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The Evaluation of TabunganKu (Basic Bank Account) Provision for Bank Customers (Existing and Potential Customers), and Bank Providers



The Bank Indonesia’s survey on households’ balance sheet in 2010, indicates roughly 34,72% of the Indonesian households do not have any saving account (financially excluded in terms of saving). Of the total low-income households interviewed during the survey, there is an only 12.19% household with saving accounts in banks.

Bank Indonesia has been designing various policies to improve the financial inclusion in Indonesia. In particular, Bank Indonesia has developed the National Strategy for Financial Inclusion (NSFI) to provide better and integrated financial inclusion programs and initiatives, one of which is through TabunganKu program.

TabunganKu has a great potential to reach the untapped market segments and brought the unbanked into financial folds due to its simplicity in administrative procedures. TabunganKu is a follow-up program of “Ayo ke Bank” which aims to encourage people to use banking financial services.

In particular, the objectives of TabunganKu impact assessment are: 1) to gather the perception and the experience with the rollout of TabunganKu; 2) to assess whether TabunganKu has been success in promoting wider access to financial services and banking in particular; and 3) to measure the profitability of TabunganKu product which highly related to its sustainability.

DEFINIT is appointed by the World Bank and Bank Indonesia to carry out a survey in 8 (eight) provinces, i.e (1) East Java, (2) Central Java, (3) West Sumatera, (4) North Sumatera, (5) West Nusa Tenggara, (6) East Kalimantan, (7) South Sulawesi, and (8) North Sulawesi.

The survey is conducted by direct interview as well as telephone interview. The telephone interview is administered for sample of the current customers of TabunganKu (active and passive customers) who have been agreed to participate in the survey. The objective of the phone interview is to capture the behavior of TabunganKu customers in using TabunganKu account.

While the current customers will be interviewed via phone, the potential customers will be interviewed face to face. The potential customers in this context are the unbanked households who live the radius of 10 km from each selected bank branch location. The objective of the face-to-face interview is to measure the real demand for TabunganKu.

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