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Rural Microfinance Banking Viability and Outreach: A Case of Bank Rakyat Indonesia

In: Microfinance in Asia

Author

Listed:
  • Mohamad D. Revindo
  • Christopher Gan

Abstract

Bank Rakyat Indonesia (BRI) provides an example of large-scale rural microfinance banking services that are financially sustainable due to its commercial banking and capital self-sufficiency principles. BRI is also exceptional in the outreach of its microfinance services, with its 8.539 microoutlets in almost all sub-districts throughout Indonesia providing simple and flexible microfinance banking products that in 2015 served 43 million microsavers and 7.85 million microborrowers nationwide. This chapter gives a historical overview of BRI and its successful transformation from government-reliant towards commercial and capital self-sufficiency microfinance banking without overlooking its main mission in catering the rural poor population. The chapter shows how a well-managed microfinance banking system can weather economic crises and help the rural poor cope with economic shocks. The chapter also highlights some implications for the microfinance institutions, BRI in particular, as well as the government as the policy maker.

Suggested Citation

  • Mohamad D. Revindo & Christopher Gan, 2017. "Rural Microfinance Banking Viability and Outreach: A Case of Bank Rakyat Indonesia," World Scientific Book Chapters, in: Microfinance in Asia, chapter 11, pages 337-356, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9789813147959_0011
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    Citations

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    Cited by:

    1. Jiguang Wang & Bing Ran, 2019. "Balancing Paradoxical Missions: How Does Microfinance Rebuild a Sustainable Path in Poverty Alleviation?," SAGE Open, , vol. 9(2), pages 21582440198, June.
    2. Rashesh Shrestha & Ian Coxhead, 2018. "Can Indonesia Secure a Development Dividend from Its Resource Export Boom?," Bulletin of Indonesian Economic Studies, Taylor & Francis Journals, vol. 54(1), pages 1-24, January.
    3. Krzeminska, Anna & Lundmark, Erik & Härtel, Charmine E.J., 2021. "Legitimation of a heterogeneous market category through covert prototype differentiation," Journal of Business Venturing, Elsevier, vol. 36(2).

    More about this item

    Keywords

    Microfinance; Poverty Alleviation; Rural Credit; Asia; Grameen Bank;
    All these keywords.

    JEL classification:

    • F30 - International Economics - - International Finance - - - General

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