Implementation of Officeless Financial Services Program in the Framework of Inclusive Financial (Laku Pandai) to Improve Accessibility of Financial Services to the Community in Percut Sei Tuan District

Limited access to formal financial services remains a challenge for rural communities in Percut Sei Tuan District, leading many residents to rely on informal transactions and undermining financial inclusion. To address this issue, the Financial Services Authority (OJK) implemented the Laku Pandai program, which provides access to banking services through agents without branch offices. This study aims to analyze the implementation of the Laku Pandai program in improving financial service accessibility and to identify its supporting and inhibiting factors. A qualitative approach was employed using interviews, observations, and documentation. The findings indicate that the Laku Pandai program has contributed to improved access to savings, payment services, and social assistance distribution. However, its implementation faces challenges, including low financial literacy, limited agent capacity, and insufficient supervision of illegal transactions. Overall, the program is considered effective in promoting financial inclusion, although enhanced socialization, agent training, and infrastructure support are needed to ensure its sustainability.