The role of rural banks, which was initially to satisfy the financial needs of the common people and in the past primarily meant the informal financial sector, has to be reutilized. The relationship between rural banks and the informal financial sector has to become complementary, looking for assistance and complementing each other to best serve ordinary people.
Meanwhile, as we see the BPRs develop, another issue will need to earn our attention. This is the prevalence of other forms of Micro Finance Institutions (LKMs) which behave very similar to a bank in the sense that they mobilize public funds. Examples include Savings & Loans Cooperations (KSP), Baitul Maal Tamwiil (BMT), Community Credit Institutions (BKD), and Community Funding Body (LPD).