EXPLORING THE IMPACT OF ABCG COLLABORATION ON COMMUNITY-BASED FINANCIAL INCLUSION AND MSMEs PERFORMANCE IN INDONESIAN
Financial inclusion is the key to driving economic growth, poverty alleviation, and inequality. In Indonesia, one implementation of financial inclusion that has been carried out and developed is in Micro, Small, and Medium Enterprises (MSMEs). However, it was realized that the implementation of financial inclusion for MSMEs experienced many obstacles. Both formal (banking) and informal financial institutions with a variety of strategies continue to strive so that Financial Inclusion can be implemented at MSMEs. Daya is a program run by BTPN by integrating community-based quadruple helix ABCG (Academics, Business, Community, and Government) collaboration. This study aimed to describe and explore the ABCG collaboration model that supports the effectiveness of Financial Inclusion and measure its impact in improving the performance of MSMEs and Financial Inclusion in Indonesia. This research used qualitative and quantitative methods. The former used Focus Group Discussion, in-depth interviews, and observation while the latter used a Likert scale through surveys to the respondents. The results showed that the role of the actors involved has facilitated financial inclusion, and the ABCG collaboration model has a positive impact in achieving community goals, business independence, solving operational problems, increasing income, opening market access, and increasing the skills and knowledge of MSMEs.
Financial Inclusion, Collaboration, BTPN, University, Community, MSMEs