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Utusan Khusus Presiden Hashim Djojohadikusumo mengungkapkan rencana pemerintah membagikan HP dan rekening digital gratis demi menjangkau warga unbanked.

Liputan6.com, Jakarta - Pemerintah berencana menyediakan telepon seluler (HP) dan rekening bank digital bagi masyarakat yang belum memiliki akses perbankan (unbanked).

Utusan Khusus Presiden Republik Indonesia Bidang Iklim dan Energi Hashim Djojohadikusumo mengatakan, program ini menyasar sekitar 30 persen penduduk yang belum memiliki rekening. Langkah tersebut sekaligus dilakukan untuk mendorong penyaluran bantuan sosial (bansos) secara digital dan meningkatkan penerimaan negara.

“Setiap warga akan memperoleh akses terhadap telepon seluler dan rekening digital sehingga dana bantuan dapat dikirim langsung ke rekening masing-masing,” ujar Hashim dalam acara Prasasti Indonesia Policy Forum 2026 di Jakarta, Selasa (13/10/2026).

Hashim menyampaikan, pemerintah menugaskan PT Bank Syariah Indonesia Tbk (BSI) dan PT Bank Rakyat Indonesia (Persero) Tbk (BRI) untuk memfasilitasi pembukaan rekening masyarakat. Pemerintah juga akan menghapus biaya pembukaan rekening sebesar Rp 50.000 agar masyarakat dapat mengakses layanan perbankan tanpa biaya awal.

“Pemerintah ingin mengubah perekonomian yang bergantung pada transaksi tunai menjadi perekonomian digital,” kata Hashim.

 

Rasio Penerimaan Negara

Menurutnya, digitalisasi transaksi dapat membantu pemerintah menjangkau aktivitas ekonomi yang selama ini tidak tercatat atau masuk dalam gray economy. Pemerintah berharap langkah tersebut mampu memperluas basis penerimaan negara sekaligus meningkatkan transparansi penyaluran bantuan sosial.

Hashim menyebut rasio penerimaan negara Indonesia saat ini masih berada di kisaran 12 persen. Angka tersebut lebih rendah dibandingkan Kamboja yang mencapai 18 persen dan Vietnam sebesar 23 persen.

Pemerintah menargetkan rasio penerimaan negara dapat mencapai 18 persen dalam dua hingga tiga tahun ke depan, mengingat potensi aktivitas ekonomi informal diperkirakan mencapai 35 persen hingga 45 persen.

Kendati demikian, Hashim belum merinci jadwal pasti pelaksanaan program, jumlah HP yang akan dibagikan, maupun alokasi anggaran yang disiapkan oleh pemerintah.

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