Analisis Kesiapan Bank Perkreditan Rakyat (BPR) Menghadapi Era Industri 4.0

Hasan Ashari, Trinandari Prasetyo Nugrahanti


This paper aims to find out which BPRs have readiness in facing the industrial era 4.0, especially among them is readiness to deal with the changing business environment. In facing the industrial era 4.0, the banking and financial sector needs to adapt to the challenges posed by Fintech in this matter including BPR as one of the players in the financial sector. This research is a quantitative study using descriptive methods. The main data source in this study was obtained through a questionnaire. The population in this study was 1596 rural banks and 167 Islamic rural banks throughout Indonesia with a sample of 97 rural banks consisting of 85 rural banks and 12 Islamic rural banks. Based on this research it can be concluded that there are no BPRs that have readiness that meets “good” category, the maximum achieved is “enough”. BPRs that have sufficient readiness to face the industrial era 4.0 are BPR Book 3 domiciled in urban Java, and BPR Book 3 domiciled in districts on the island of Java. The BPR with the lowest readiness to face the industrial era 4.0 is BPR Book 1 which is domiciled in regencies both outside of Java and in Java.

Abstrak. Tulisan ini bertujuan untuk mengetahui BPR mana yang memiliki kesiapan dalam menghadapi era industri 4.0 terutama di antaranya adalah kesiapan untuk menghadapi lingkungan bisnis yang berubah. Dalam menghadapi era industri 4.0, sektor perbankan dan keuangan perlu beradaptasi dengan adanya tantangan yang ditimbulkan oleh Fintech dalam hal ini termasuk BPR sebagai salah satu pemain di sektor keuangan. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan metode deskriptif. Sumber data utama dalam penelitian ini diperoleh melalui kuesioner. Populasi dalam penelitian ini adalah 1596 BPR dan 167 BPRS di seluruh Indonesia dengan jumlah sampel 97 BPR yang terdiri dari 85 BPR dan 12 BPRS. Berdasarkan penelitian ini  dapat disimpulkan bahwa tidak ada BPR yang memiliki kesiapan yang memenuhi kategori “baik”, maksimal yang dicapai adalah “cukup”. BPR yang memiliki kesiapan yang cukup menghadapi era industri 4.0 adalah BPR Buku 3 yang berdomisili di perkotaan pulau Jawa, dan BPR Buku 3 yang berdomisili di kabupaten di pulau Jawa. BPR yang paling rendah kesiapannya menghadapi era industri 4.0 adalah BPR Buku 1 yang berdomisili di kabupaten  baik di luar Jawa maupun di Jawa.


Era industri 4.0; Bank Perkreditan Rakyat; Kesiapan Bank Perkreditan Rakyat

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