Alibaba alipay Zhang Peng/Getty Images

Mengapa Membangun Perekonomian yang Inklusif Secara Finansial?

SEATTLE – Tema dari KTT G20 yang dilaksanakan pada minggu ini di kota Hamburg, Jerman, adalah “menciptakan dunia yang saling terhubung”, dan ketika KTT dimulai, isu-isu penting  - seperti perubahan iklim, anti-terorisme dan perdagangan – akan menjadi topik pembicaraan utama. Namun penting juga untuk memberikan perhatian kepada sebuah agenda yang belum terlalu dikenal untuk menjamin kemakmuran global: yaitu inklusi finansial digital.

Saat ini, terdapat sekitar dua milyar orang dewasa yang masih kurang mendapatkan akses terhadap layanan finansial dasar. Inklusi finansial adalah perluasan akses terhadap perekonomian formal dengan menjadikan alat finansial elektronik – seperti rekening debit yang dapat diakses dari telepon seluler – terjangkau dan tersedia dalam skala besar. 

Ketika masyarakat miskin mulai menggunakan layanan tersebut maka dua hal akan terjadi. Pertama, mereka akan mengatur uang dengan lebih efektif – karena mereka mempunyai cara baru untuk menabung, melakukan pembayaran, akses terhadap kredit, atau mendapatkan asuransi. Kedua, mereka akan menghabiskan lebih sedikit waktu untuk melakukan transaksi finansial yang sederhana sehingga mereka dapat melakukan lebih banyak hal produktif atau menjalankan bisnis skala kecil mereka. Terlebih lagi, pendapatan tambahan dan tabungan meningkatkan ketahanan masyarakat miskin dalam menghadapi permasalahan finansial, misalnya saja, biaya pengobatan atau kegagalan panen. 

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