KAJIAN PRODUK FINANSIAL UNTUK PEKERJA MIGRAN INDONESIA DI HONG KONG DALAM RANGKA MENINGKATKAN MARKET SHARE BRI GLOBAL FINANCIAL

Azharul Fikri

doi:10.31539/jhq9jc54

Authors

Azharul Fikri Universitas Airlangga

DOI:

https://doi.org/10.31539/jhq9jc54

Keywords:

Engagement Nasabah, Hong Kong, Market Share, Pekerja Migran Indonesia, Produk Finansial.

Abstract

Pekerja Migran Indonesia (PMI) di Hong Kong merupakan salah satu segmen diaspora Indonesia terbesar yang memiliki kontribusi signifikan terhadap aliran remitansi dan perekonomian nasional. Namun demikian, tingkat pemanfaatan layanan keuangan oleh PMI masih menghadapi berbagai kendala, antara lain keterbatasan akses, rendahnya literasi keuangan, serta dominasi penyedia layanan keuangan nonformal. Penelitian ini bertujuan untuk mengidentifikasi produk finansial yang dapat meningkatkan engagement PMI di Hong Kong serta menganalisis implikasinya terhadap peningkatan market share BRI Global Financial. Penelitian menggunakan pendekatan kualitatif berbasis kajian literatur dan analisis strategis terhadap kebutuhan nasabah PMI di Hong Kong. Hasil kajian menunjukkan bahwa produk remitansi digital, tabungan PMI, investasi emas digital, serta layanan digital banking berbasis mobile memiliki potensi terbesar dalam meningkatkan keterikatan nasabah. Selain itu, faktor kemudahan akses, personalisasi layanan, edukasi keuangan, dan integrasi layanan lintas negara menjadi faktor utama yang mendorong peningkatan engagement nasabah. Peningkatan engagement tersebut berpotensi memberikan dampak positif terhadap loyalitas nasabah, frekuensi penggunaan layanan, cross-selling produk, dan pertumbuhan market share pada segmen pekerja migran Indonesia.

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