By my proposed definition, we must ask what forces have increased liquidity (read: confidence) in the United States over the course of the last couple of decades. I will turn, first, to two key drivers of liquidity: rapid financial innovation and strong economic performance.
Taking a closer look these large portion of the unbanked clustered around poverty line remains vulnerable. Geographic condition adds the challenge in providing access to this target group as Indonesia consist of almost 17.000 island and most of poor people live in a very remote area with 1  different culture.