¹Didi Haryono, ²Gumilar Rusliwa Somantri, ³Hanif Saha Gafur, ⁴Muhammad Syaroni Rofii,⁵Muhammad Saiful Arifin

^1,2,3,4School of Strategic and Global Studies, Universitas Indonesia
⁵Library and Information Science, Universitas Indonesia

DOI : https://doi.org/10.47191/ijsshr/v7-i06-83

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ABSTRACT

Regional banks, known as Bank Pembangunan Daerah (BPD), play a vital role in regional economic development in Indonesia, particularly in supporting micro, small, and medium enterprises (UMKM) and various local development programs. This study focuses on the BPD in West Kalimantan, examining its contribution to economic development and community welfare. Utilizing a literature review methodology, we analyzed various studies and data from 2010 to 2017, highlighting the performance and impact of Bank Pembangunan Daerah Kalimantan Barat (Bank Kalbar). The findings reveal significant growth in Bank Kalbar's assets, third-party funds, and credit disbursements, reflecting its commitment to supporting UMKM. Additionally, the bank’s initiatives in sustainable finance, corporate social responsibility (CSR), and inclusive finance have enhanced local economic development and social infrastructure. Programs aimed at promoting technopreneurship, financial inclusion, and environmental sustainability have bolstered community welfare, demonstrating the bank's role in improving living standards and environmental conservation. The study underscores the importance of Bank Kalbar’s role in providing financial services and support for local communities, contributing to economic resilience and poverty alleviation in West Kalimantan. Furthermore, the research highlights challenges faced by BPDs, including the need for better regulatory support and operational efficiency. The study concludes with recommendations for optimizing the role of BPDs in sustainable development, emphasizing the importance of effective governance, risk management, and community engagement to enhance their impact on regional development and welfare.

KEYWORDS:

Regional Bank, West Kalimantan, Economic Resilience

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Volume 07 Issue 06 June 2024