Bank Jakarta Prepares Four Strategies to Boost Financial Inclusion and Investment

Bank Jakarta is rolling out four key strategies to foster a more inclusive and connected financial system in the Indonesian capital. The initiatives focus on broadening financial inclusion, empowering small and medium-sized enterprises (SMEs), enhancing access to housing finance, and reinforcing the city's investment environment.

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Jakarta does not lack buildings, roads, or technology. What still needs strengthening is the connection between citizens and services, SMEs and markets, investors and opportunities, and government and the public.

Agus H Widodo, the President Director of Bank Jakarta, stated that the city's future challenges extend beyond infrastructure and technology, emphasizing the need to ensure equitable access to economic opportunities for all residents. "Jakarta does not lack buildings, roads, or technology. What still needs strengthening is the connection between citizens and services, SMEs and markets, investors and opportunities, and government and the public," Widodo said during a discussion at the Jakarta Future Festival 2026.

As a regional-owned enterprise, Bank Jakarta positions itself as a financial support system, aiming to connect citizens, businesses, the government, and investors. Widodo highlighted that expanding financial inclusion is a primary focus, as many residents remain excluded from formal financial services, limiting their economic prospects. "This is a major task that we must complete," he noted.

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This is a major task that we must complete.

The bank will also increase its support for SMEs through financing, digitalization, and market access initiatives, recognizing that small businesses require comprehensive assistance to grow and compete. Furthermore, Bank Jakarta plans to strengthen access to housing finance, acknowledging the difficulties many young people face in affording homes in Jakarta. "Access to housing finance must be part of the city's strategy because many young people struggle to reach housing prices in Jakarta," Widodo added.

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Access to housing finance must be part of the city's strategy because many young people struggle to reach housing prices in Jakarta.

Finally, the bank aims to bolster investor confidence in Jakarta, asserting that the development of a global city requires sustained investment beyond government budgets. Widodo reiterated the bank's role as more than just a lender, but as a crucial connector within the city's economic ecosystem.

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The role of BUMD is not just to raise funds and disburse credit, but to connect citizens, SMEs, government, and investors in one city ecosystem.