OJK: Pembukaan Rekening Massal Strategis untuk Perkuat Inklusi Keuangan

Sabtu, 12 September 2026, 13:05 WIB Sumber: Republika Dibaca 1 kali

Ukuran:

OJK menilai program pembukaan rekening massal bagi masyarakat, khususnya generasi muda berusia 17 tahun dan penerima bansos, memiliki nilai strategis untuk memperluas inklusi keuangan dan membangun kebiasaan finansial sejak dini. Meski mendukung program tersebut, OJK mengingatkan perbankan tetap wajib menerapkan prinsip kehati-hatian melalui know your customer (KYC) serta dapat mengoptimalkan integrasi data kependudukan secara digital. Koordinasi antara Pemerintah, BI, OJK, dan industri perbankan diperlukan untuk memastikan pelaksanaan berjalan lancar tanpa kendala operasional.

Poin-Poin Utama

Dian Ediana Rae serves as Head of Executive for Banking Supervision at OJK.
Account ownership in Indonesia continues to increase and remains high.
OJK views mass account opening for those aged 17 and social assistance recipients as strategically important.
Age 17 serves as a critical entry point for developing financial habits among young people.
The program aligns with national agenda to expand financial inclusion.
Social assistance distribution will be streamlined through direct-to-account mechanisms.
OJK reminds banks to uphold prudential banking principles during account opening.
Banks must perform KYC procedures in accordance with applicable regulations.
Digital population data integration (Dukcapil/e-KTP) can optimize the account opening process.
Coordination between Government, BI, OJK, and banking industry is necessary for regulatory framework.
Indonesia recorded 701.48 million savings accounts as of July 2026.
Savings account growth reached 8.9 percent year-to-date as of July 2026.