SUMMARY RECORD

OECD-BANK INDONESIA REGIONAL ASIAN SEMINAR ON FINANCIAL LITERACY:

TOWARDS A NATIONAL STRATEGY ON FINANCIAL EDUCATION

27 JUNE 2011
JAKARTA, INDONESIA
 INTRODUCTION AND BACKGROUND

The OECD-Bank Indonesia Regional Asian Seminar on Financial Literacy: Towards a National
Strategy on Financial Education was held in Jakarta on 27 June 2011. It was co-organised by the
Organisation for Economic Co-operation and Development (OECD) and Bank Indonesia (BI) with the
support of the Government of Japan. The event was held at Bank Indonesia premises in downtown
Jakarta.

An international audience of high-level governmental officials and experts from public bodies,
regulatory and supervisory authorities attended the conference along with senior decision makers
and academics from OECD countries and non-OECD members’ economies. Participation from
Indonesia was very high, due notably to the imminent launching of the Indonesian national strategy
for financial education and inclusion and to these being a key priority selected by Indonesia in its
forthcoming role of ASEAN President. Around 202 participants coming from 15 member and non-
member economies (including 2 additional Enhanced Engagement countries: India and South Africa)
attended the event – see attached list of participants -.

The programme of the seminar allowed the discussion of the priorities identified by Indonesia
within its national strategy and the dissemination of international good practices and instruments
developed by the INFE/OECD:
 Special address: Complementarities between financial inclusion, financial consumer
protection and financial education
 PANEL I - Importance of Coordinated Financial Education Strategy to Improve Financial
Inclusion: Asian Experience
 Special address: Next steps in the financial education agenda: the UK Experience
 PANEL II - Measurement of Financial Literacy: a First Important Step for the Development
of National Coordinated Programmes
 PANEL III - Empowering Future Generations: Financial Education for Young People and in
Schools
Presentations and speeches are available on the seminar dedicated website.

Opening remarks

Deputy Secretary General Richard Boucher, OECD, expressed the pleasure for the OECD to
organize with Bank Indonesia a second international meeting on financial education after the
success of the first one in October 2008. He conveyed his strong satisfaction for the deepening of the
relations between Indonesia and the OECD and thanked the audience and the authorities attending
the seminar, whose presence was a testimony to their political determination and commitment to
better financial education and inclusion. DSG Boucher explained the need for a three-pronged,
demand-side approach to financial markets involving enhanced financial inclusion, appropriate

2
consumer protection and improved financial awareness and literacy. He concluded offering the
OECD full support to this endeavour, in accordance with the OECD-BI Memoranda of Understanding,
stressing the need to empower future generations and enhance the well-being of individuals, family,
and ultimately of the whole economy.

Deputy Governor Muliaman Hadad, Bank Indonesia, welcomed the more than 200 participants
and international speakers and thanked them for attending the OECD-BI Seminar in Jakarta, in a day
of celebrations marking the 484th anniversary of the city foundation. In his opening speech he
explained the mutually complementing relationship between financial education and inclusion. He
noted how higher levels of financial literacy are an essential gateway to better living standards for
South-East Asian households. He also addressed the need for thorough methodologies and tools for
effective financial education policies and concluded praising the role played by financial literacy and
inclusion in preserving financial stability.

Special address: Complementarities between financial inclusion, financial consumer protection

and financial education

The special address was delivered by Mr. Hidehiko Sogano, Vice-Chair of the OECD Committee
on Financial Markets (CMF) and Deputy Director General, Bank of Japan.

Mr. Sogano gave an overview of the post-crisis context noting in particular the increasing
complexity of saving and investment products and the transfer of risk to individuals. Such
developments call for a redefinition of financial market efficiency that includes financial consumer
protection as a cornerstone within a tripartite approach seeking to protect consumers, empower
them through financial education and provide them with access to affordable and appropriate
financial products. Mr Sogano also explained how each of these components should be designed and
implemented, notably in the framework of the specificities of Asian countries. He then described the
role of the OECD in defining good practices in the field.

In particular he stressed the important contribution of the countries that are members of the
OECD International Network on Financial Education (INFE). Their knowledge and experience assist
the OECD Secretariat in developing guidelines, disseminating best practice, setting standards on
instruments and frameworks to enhance financial education and consumer protection. Mr Sogano
concluded his intervention mentioning the stock taking exercise on financial consumer protection
regulatory regimes undertaken by the OECD and the creation of the Financial Consumer Protection
Task Force in the framework of the G20 call on options to strengthen consumer protection in the
area of financial services.

PANEL I - IMPORTANCE OF COORDINATED FINANCIAL EDUCATION STRATEGY TO IMPROVE

FINANCIAL INCLUSION: ASIAN EXPERIENCE

The session, moderated by Deputy Governor Muliaman Hadad, Bank Indonesia, addressed the
advantages of developing financial inclusion programmes combined with financial literacy strategies,
the instruments and tools designed by the OECD on financial literacy and education and the
challenges and solutions relating in particular to the Asian experience.

Ms. Flore-Anne Messy, Principal Administrator, Financial Education, OECD, began by underlining
the importance of an international approach to address financial exclusion especially thanks to the
momentum provided by the attention of global policymakers to these issues determined by the
development of the G20 principles for innovative financial inclusion. She then presented the
international perspective, notably the instruments developed by the OECD and its INFE in relation to

3
national strategies and coordinated approaches, and explained the importance of the financial
education component of effective financial inclusion. Ms Messy noted how the demand side of
financial inclusion has not been sufficiently addressed and how this is a crucial step to improve
qualitatively financial inclusion and empower consumers.

Dr. Deepali Pant Joshi, Chief General Manager-In-Charge, Reserve Bank of India, underlined the
twin aspects of financial inclusion, outlining the key components of the demand and supply side, and
how they both aim at the same objectives in a continuous process. She then described the main
initiatives of RBI, and addressed the importance of acting on financial literacy and through what she
identified as its key elements, namely personal financial management, provision of information and
operational knowledge. She concluded her intervention presenting some interesting data about
increasing banking services penetration in India and stressing the importance of collaboration
among various institutions in her country.

Dr. Johnny Noe E. Ravalo, Managing Director, Central Bank of the Philippines, presented the
case for financial inclusion in the Philippines beginning with a detailed overview of the demographic
and geographical features of the archipelago and addressing the role of overseas workers and the
level of penetration of bank branches in the country. Dr. Ravalo explained how market forces alone
won’t resolve financial exclusion, as social gains are obvious but economic ones are not. This is why,
he stressed, there needs to be a definition of new banking regulations tailor made to allow this
sector to flourish. Dr Ravalo concluded presenting the details of such regulations and the initiatives
of the central bank to favour microfinance and their impact.

Special address: Next steps in the financial education agenda: the UK Experience

Mr Gerard Lemos, Chairman, the Money Advice Service, UK, explained the change of approach
to financial education decided by the UK, motivated by the long-term financial risk shifting from
states to citizens and the need to ensure that customers know whether the products they are sold
are fit for purpose. In presence of increasing cases of mis-selling by financial institutions and of
clients of financial products overwhelmed by more and more complex information, the UK decided
to complement the existing elements of regulation and education with a free and universal money
advice service. He explained in detail how such service works (in particular the “ financial health
check”) to benefit citizens and concluded stressing the need to have political and industry support
but also to be perceived as fully independent.

PANEL II - MEASUREMENT OF FINANCIAL LITERACY: A FIRST IMPORTANT STEP FOR THE

DEVELOPMENT OF NATIONAL COORDINATED PROGRAMMES

The panel, chaired by Mr. Hidehiko Sogano, Vice-Chair of the OECD Committee on Financial
Markets and Deputy Director General, Financial Markets and International Department, Bank of
Japan, analysed the importance of assessing needs and gaps in financial literacy and inclusion and
the main challenges in the development of an appropriate methodology and its implementation. The
panel allowed for the opportunity to discuss the OECD/INFE good practices, tools and ongoing pilot
exercise.

Dr. Adele Atkinson, Policy Analyst, Financial Education, OECD, explained the importance of
measurement in obtaining hard evidence of the state of financial literacy levels and the most
vulnerable groups, providing policymakers with the tools to identify priorities and set targets against
a baseline. Dr Atkinson explained the challenges linked to the creation of a robust measure, such as
the need for adequate resources, clear definitions, appropriate questions and analytical capabilities
to process data. She described the survey developed by the OECD and its INFE to meet this needs.

4
This measurement instrument is cost effective, widely applicable and analysed in a standard way.
She concluded by presenting the scope and content of the INFE OECD measurement pilot, currently
implemented by 13 countries (including Malaysia).

Ms. Koid Swee Lian, Director, Consumer and Market Conduct Department, Bank Negara
Malaysia, analysed the Malaysian experience in using the OECD survey to measure the financial
literacy of its population. She began by an introduction to the parameters of the OECD pilot survey,
and explained how it was integrated with specific supplementary questions to gauge certain
specificities of the Malaysian market. At the same time, she stressed the importance of keeping the
objectives clear and coherent. Ms Lian gave an overview of the sampling methodology and of quality
controls built-in the survey and finally addressed the findings of the pilot and its policy implications.
Ms Lian underlined in particular the need to start financial education at an early age and the
importance of empowering young consumers with the skills needed to manage finances with
confidence.

Mr. Wimboh Santoso, Director Banking Research and Regulation, Bank Indonesia, began with a
snapshot of the levels of financial access in Indonesia and the role played by financial institutions in
fostering economic growth. Mr. Santoso explained that in order to increase financial inclusion and
literacy, Bank Indonesia engaged in a financial literacy measurement exercise covering both urban
and rural communities and in a survey of the levels of confidence in the banking industry. He
concluded his intervention with an analysis of the important policy conclusions resulting from the
measurement: from the identification of the institutions better placed to educate consumers to the
five pillars of inclusive finance as envisaged by BI.

PANEL III - EMPOWERING FUTURE GENERATIONS: FINANCIAL EDUCATION FOR YOUNG PEOPLE
AND IN SCHOOLS

The panel, chaired by Prof. Dr. Ir. Muhammad Nuh, Vice Minister of National Education of
Indonesia, addressed how to increase the level of financial literacy of the young populations and the
benefits that this would determine. The panel discussed the main challenges to the integration of
financial education in school programmes, the tools available and the involvement of stakeholders.

Ms. Flore-Anne Messy, Principal Administrator, Financial Education, OECD, analysed the
importance of starting financial education early in schools and addressed the challenges and the
international guidance on the subject. She began by pointing at the increasing needs of new
generations, faced with increasing access to financial products and bearing more financial risks, as a
strong rationale for the introduction of financial education in schools. Ms. Messy explained the
advantages of this policy, such as quasi nationwide delivery and spill-over effects to the community,
and introduced the OECD/INFE framework and the policy instruments on financial education in
schools. She also provided the audience with the main findings of the INFE stock take and informed
them of the forthcoming first international benchmark on financial literacy through the OECD
Programme for International Students Assessment (PISA).

Ms. Toh Hooi Min, MoneySENSE, Singapore, presented the financial education initiatives
managed by the Monetary Authority of Singapore and its vision of a “MoneySENSE consumer” able
to determine risk appetites and investment objectives, select the appropriate service provider and
allocate financial resources among various products. In order to achieve this objective, the
introduction of financial education in schools was of key importance. Ms Min presented the
numerous initiatives developed for students of different ages together with the evaluation
conducted on such programmes and their findings.

5
 Mr. Lyndwill Clarke, Manager, Consumer Education, Financial Services Board, South Africa,
presented the activities of the FSB within the formal education system. He acknowledged the
challenges faced, such as the need to train teachers and to obtain buy-in from the education
authorities, and went through some of the interesting programmes run in the country. He concluded
with an analysis of the lessons learnt on the development of material and resources, and the need to
engage with institutions at the national and local levels.

Mr. Jared Penner, Aflatoun and Childfinance, the Netherlands, introduced Childfinance, a multi-
stakeholder movement that works to provide access to financial education to children. He explained
their vision of young generations capable of fully realising their potential as responsible economic
citizens and the programmes and activities in which the organisation is involved. He concluded with
some details on the criteria that financial institutions must meet to become involved and participate
in the Childfinance movement.

CLOSING REMARKS

Deputy Governor Muliaman Hadad, Bank Indonesia, began by underlining the importance of the
Memorandum of Understanding between Bank Indonesia and the OECD in the organisation and
success of the Seminar. He stressed the appropriate timing for convening such audience, in the year
in which Indonesia will launch its national strategy for financial inclusion and at a time in which the
country is about to take up the presidency of ASEAN. Deputy Governor Hadad noted how financial
education and inclusion would be put high on the ASEAN agenda and how Indonesia would benefit
from the discussions that occurred during the BI-OECD regional seminar.

Deputy Secretary General Richard Boucher, OECD, thanked Deputy Governor Hadad and Bank
Indonesia for their leadership in advocating for better financial education and inclusion in the region.
He highlighted some of the key outputs and areas of work of the OECD project on financial consumer
protection and education and noted how these are also at the core of Asian policymakers’ interest.
He finally agreed with Deputy Governor Hadad on the timeliness of the event, especially in light of
the OECD objective to further strengthen its engagement with Indonesia and South-East Asian
countries.

6
 EVENT EVALUATION

a. Feedback from participants

Feedback questionnaires were included in the participants’ seminar pack in order to gauge
satisfaction with the event overall and the relevance of each session. 68 attendees completed the
questionnaires (representing a rate of response of 37%1), coming mainly from government or
regulatory bodies (51%) educational/academic institutions (24%) and the corporate sector (16%).

The feedback has been overwhelmingly positive, with a total of 73% of participants rating the
conference as very good or excellent. In addition, 74% felt that the overall content was very good or
excellent and 73% felt that the organisation and facilities were either very good or excellent.

The conference is very likely to facilitate the objective of Bank Indonesia in collaborating with
the private sector and regional branches of the institution in implementing their national strategy on
financial education and inclusion and it raised the importance of these issues in the regional press.
Almost everybody felt that the conference contributed to the promotion of financial literacy in their
country or institution (99%) and that it changed their perspective in some way (99%). Furthermore,
all the participants (100%) expect to use information from the conference in their work.

Each of the sessions within the conference was seen as relevant by participants, with those
finding the relevance to be “very high” or “high” ranging between 76% and 82%. The speakers were
seen to be of a high quality, with 71% of respondents rating them as very good or excellent. 94%
appreciated the structure and format of the sessions.

The comments from the conference participants indicate that they appreciated the content of
the Seminar and they found it very timely and relevant in informing policymakers and the private
sector ahead of the launch of Indonesia’s national strategy. As it was the case for previous events,
participants appreciated the opportunity to build and strengthen their networks and valued the level
and the relevance of the presentations.

b. General assessment

The participants’ feedback shows that this was a very successful, relevant and effective
seminar. It promoted OECD’s leadership role in nurturing global and regional awareness on the
importance of financial literacy, financial inclusion and financial consumer protection. It also
reinforced the cooperation with a key G20 player and continued the fulfilment of the Memorandum
of Understanding with Bank Indonesia, paving the way for more structured collaboration not only
with this institution but also with other key countries in the region.

1
This represents a high response rate compared to similar events, where number of respondents
has usually been between 25% and 30% of participants.

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 BI-OECD REGIONAL ASIAN SEMINAR ON FINANCIAL LITERACY
TOWARDS A NATIONAL STRATEGY ON FINANCIAL EDUCATION
Programme*
Monday 27 June 2011
OPENING SESSION
9.30 – 10.10

Opening Remarks:
 Mr. Muliaman D. Hadad, Deputy Governor, Bank Indonesia
 OECD Deputy Secretary-General Richard Boucher

Special address: Complementarities between financial inclusion, financial consumer protection

and financial education
by Mr. Hidehiko Sogano, Vice-Chair of the OECD Committee on Financial Markets
and Deputy Director General, Financial Markets and International Department,
Bank of Japan

10.10 – 10.40 NETWORKING BREAK

PANEL I: IMPORTANCE OF COORDINATED FINANCIAL EDUCATION STRATEGY

TO IMPROVE FINANCIAL INCLUSION : ASIAN EXPERIENCE
10.40 – 12.20

CHAIRPERSON: Mr. Muliaman D. Hadad, Deputy Governor, Bank Indonesia

PANELLISTS:
 Ms. Flore-Anne Messy, Principal Administrator, OECD Financial Affairs Division
 Dr. Deepali Pant Joshi (Mrs.), Chief General Manager-in-Charge, Rural Planning and Credit
Department, Reserve Bank of India
 Dr. Johnny Noe E. Ravalo, Managing Director, Supervision & Examination Sector, Central
Bank, the Philippines
This session will focus on:
 The importance of developing financial inclusion programmes combined with financial
literacy endeavors
 OECD framework for financial literacy and financial education strategies
 Specificities of Asian countries
 Challenges and solutions

Special address: Next steps in the financial education agenda: the UK Experience
by Mr. Gerard Lemos, Chairman of the Money Advice Service (MAS),
United Kingdom
12.20 – 13.00

8
13.00 – 14.30 LUNCH hosted by Bank Indonesia

PANEL II: MEASUREMENT OF FINANCIAL LITERACY : A FIRST IMPORTANT STEP

FOR THE DEVELOPMENT OF NATIONAL COORDINATED PROGRAMMES
14.30 – 15.45

CHAIRPERSON: Mr. Hidehiko Sogano, Vice-Chair of the OECD Committee on Financial Markets
and Deputy Director General, Financial Markets and International Department,
Bank of Japan

PANELLISTS:

 Dr. Adele Atkinson, Policy Analyst, Financial Education, OECD Financial Affairs Division
 Mrs. Swee Lian Koid, Director, Consumer Market Conduct Department, Bank Negara
Malaysia (BNM)
 Mr. Wimboh Santoso, Director of Banking Research and Regulation, Bank Indonesia

This session will focus on:

 Importance of assessing the needs and gaps in respect to financial literacy and inclusion
 Main challenges in the development of a related methodology and its implementation
 OECD/INFE good practices, methodologies and ongoing pilot exercise
 Results and their follow up
15.45 – 16.00 NETWORKING BREAK

9
PANEL III: EMPOWERING FUTURE GENERATIONS : FINANCIAL EDUCATION
FOR YOUNG PEOPLE AND IN SCHOOLS
16.00 – 17.30

CHAIRPERSON: Prof. Dr.Ir. Muhammad Nuh, Minister of National Education of Indonesia

PANELLISTS:
 Ms. Flore-Anne Messy, Principal Administrator, OECD Financial Affairs Division
DISCUSSANTS:
 Ms. Hooi Min Toh, Deputy Director, Consumer Issues Division, Monetary Authority of
Singapore
 Mr. Lyndwill Clarke, Manager, Consumer Education Department, Financial Services Board,
South Africa
 Mr. Jared Penner, Aflatoun and Childfinance, the Netherlands

This session will focus on:

 Level of literacy of the young population

 Importance of teaching children about personal finance at early age
 Main challenges to the integration of financial education in school programmes
 OECD/INFE Guidelines on financial education at school
 Innovative tools and involvement of various stakeholders
 Training of teachers, development of materials and adequate pedagogic tools
 Evaluation of programmes

CLOSING
17.30 – 17.45

 Mr. Muliaman D. Hadad, Deputy Governor, Financial System Stability and Banking Policies,
Bank Indonesia
 OECD Deputy Secretary-General Richard Boucher

Cocktail/Reception hosted by the OECD

END OF DAY 1

10
 DAY II MORNING SESSION FOR REPRESENTATIVES OF CENTRAL BANKS ONLY

II OECD Asian Roundtable on the Role of Central Banks in Financial Literacy and Inclusion
****************

11
 Participants list for BI-OECD Regional Asian Seminar on Financial Literacy:
Towards a National Strategy on Financial Education

Jakarta, Indonesia

27/6/2011

Australia/Australie

Ms. Jane NASH Group Head Financial Inclusion & Capability

Group Corporate Affairs
ANZ

Cambodia/Cambodge

Mr. Sovannarith NGET Deputy Director

National Bank of Cambodia

Ms. Sokha NGUON Director General

National Bank of Cambodia

India/Inde

Mr. Tarun AGARWAL Vice President

Channel Empowerment & Management Group
(CEMG)
Fino Fintech Foundation

Mr. Binod ANAND Executive Director

Confederation of NGOs of Rural India

12
 India/Inde

Mr. Nair BIPIN Assistant General Manager

Reserve Bank of India

Ms. Sumantra PAL Deputy General Manager

Pension Fund Regulatory and Development
Authority

Ms. Deepali PANTJOSHI Chief General Manager-in-Charge

Rural Planning & Credit Department
Reserve Bank of India

Indonesia/Indonésie

Dr. Muliaman D. HADAD Deputy Governor

Bank Indonesia

Mr. Bobby Hamzar RAFINUS Deputy Assistant of Banking

The Co-ordinating Ministry for Economic Affairs

Mr. Djoko WALUYO Deputy Assistant of Capital Market, Banking, and

Non-Banking Financial Institutions
The Co-ordinating Ministry for Economic Affairs

Mr. Ngalim SAWEGA Executive Secretary, Indonesia Capital Market and

Financial Institutions Supervisory Agency (Bapepam-
LK)
Ministry of Finance

13
 Indonesia/Indonésie

Mr. Chandra KUSUMA Head of Multilateral Affairs Sub Division, Indonesia

Capital Market and Financial Institutions
Supervisory Agency (Bapepam-LK)
Ministry of Finance

Dr. DJONIERI Head of International Affairs and Public Relations

Division, Indonesia Capital Market and Financial
Institutions Supervisory Agency (Bapepam-LK)
Ministry of Finance

Dr. Etty Retno WULANDARI Head of Accounting and Disclosure Standards

Bureau, Indonesia Capital Market and Financial
Institutions Supervisory Agency (Bapepam-LK)
Ministry of Finance

Ms. Lasdini PURWANTI Head of Division, Indonesia Capital Market and

Financial Institutions Supervisory Agency (Bapepam-
LK)
Ministry of Finance

Mr. Nova EFENDI Senior Adviser for Capital Market Development,

Indonesia Capital Market and Financial Institutions
Supervisory Agency (Bapepam-LK)
Ministry of Finance

Ms. Yunita Linda SARI Senior Adviser for Capital Market Development,
Indonesia Capital Market and Financial Institutions
Supervisory Agency (Bapepam-LK)
Ministry of Finance

Mr. Adi CAHYADI Center for Climate Change and Multilateral

Financing Policy, Fiscal Policy Office
Ministry of Finance

14
 Indonesia/Indonésie

Mr. Hendrawan Tri SUSILO Center for Climate Change and Multilateral
Financing Policy, Fiscal Policy Office
Ministry of Finance

Ms. Marhaeny M. TUALAI Center for Climate Change and Multilateral

Financing Policy, Fiscal Policy Office
Ministry of Finance

Mr. Wiling BOLUNG Head of Asset Liability Management

ANZ Panin Bank

Mr. Joko CAHJONO Senior VP. & Deputy GM

Bangkok Bank PCL

Mr. Yeppy Purnama ALAM Head of Operational Headquarters

Bank Agroniaga

Mr. Witadinata SUMANTRI Compliance Director

Bank Artha Graha International

Ms. Maria ABDULKADIR Compliance Director

PT Bank BNP Paribas Indonesia

15
 Indonesia/Indonésie

Ms. Dwi ANDHAYANI Head of Consumer Development Division

Bank Bukopin

Ms. Lamira Septini PARWEDI Consumer Director

Bank Bukopin

Mr. Hendrik ATMAJA Director

Bank Bumi Artha

Mr. Nico MARDIANSYAH President Director

Bank Capital Indonesia

Mr. Joseph SHIH President Director

Bank Chinatrust Indonesia

Mr. Eric Gunawan KOSASIH SVP, Head of COE & Learning & Capablity
Development
Bank CIMB Niaga

Mr. Harsya Denny SURYO VIP, Corporate Affairs Head

Bank CIMB Niaga

16
 Indonesia/Indonésie

Ms. Susanti Tjandra SANUSI SVP - Head of Business Partner

Bank CIMB Niaga

Mr. Andriaan LAOH Vice President Director

Bank Commenwealth

Mr. Birman PRABOWO Director

Bank DBS Indonesia

Mr. Rafael Tjoeng RAYMOND G.M. Marketing

Bank Dipo Internasional

Ms. Helena SURYAWANI Chief Finance Officer

Bank Ekonomi Raharja

Mr. Abdul Salam SALEH President Director

Bank Ganesha

Mr. WIYONO Head of Division of Micro, Small, and Medium Loans

Bank Ganesha

17
 Indonesia/Indonésie

Mr. Yose PARLINTA Vice President

Bank ICB Bumiputera

Mr. Marcellinus ADRIANTO Director

Bank Harda International

Mr. Charlie PAULUS President Director

Bank Index Selindo

Ms. LISAWATI Vice President Director

Bank Jasa Jakarta

Mr. Efdinal ALAMSYAH Compliance Director

Bank KEB Indonesia

Mr. Gatot SISWOYO President Director

Bank Kesawan

Mr. Agus KUSNADI General Manager

Bank Liman

18
 Indonesia/Indonésie

Ms. Nila Mayta Dwi RIHANDJANI Assistant VP

Bank mandiri

Mr. Hariyono TJAHJARIJADI President Director BMI

Bank Mayapada

Mr. Baharudin Abd. MAJID President Director

Bank Maybank Syariah Indonesia

Mr. Irfanto OEIJ President Director

Bank Mayora

Maryamah NURANI Reporting Service Department Head

Bank Mega

Mr. Beny WITJAKSONO President Director

Bank Mega Syariah

Mr. Harry KUSUMA Credit Director

Bank Metro Express

19
 Indonesia/Indonésie

Mr. Leonard Wilson LAY Director of Risk Management

Bank Mizuho Indonesia

Mr. Afrid WIBISONO Head of International Banking Division

Bank Muamalat Indonesia

Mr. Budi Afandi WINOTO Bank Multiarta Sentosa

Ms. Yuliawati CHANDRA Head of Internal Audit

Bank of China, Ltd-Jakarta Branch

Mr. Ghufron HALIM Deputy General Manager

Bank of Tokyo-Mitsubishi UFJ, Ltd

Mr. Wataru TANAKA General Manager

Bank of Tokyo-Mitsubishi UFJ, Ltd

Mr. Jasman GINTING Corporate Secretary

Bank Panin

20
 Indonesia/Indonésie

Mr. Antonius KETUT D. Compliance & Risk Management Director

Bank Panin

Mr. MARYONO President Director

Bank Permata

Mr. Steven Augustino YUDIYANTHO Head of Organization & People Development

Bank Permata

Mr. Akihiro MIYAMOTO President Director

Bank Resona Perdania

Mr. Freenyan LIWANG President Director, Board of Management

Bank Sinarmas

Mr. SHUJIFUJIKAWA President Director

Bank Sumitomo Mitsui

Mr. TAMUNAN Compliance Director

Bank Victoria

21
 Indonesia/Indonésie

Ms. Viola Riana RASSAT Head of Operational Headquarters

Bank Victoria Syariah

Mr. Donny PRADONO Director

Bank Windu Kentjana International

Mr. F.X. Christophorus WILLY Director

Bank Woori Indonesia

Mr. Hadrianus DJEDOMA Manager

BCA

Mr. John KOSASIH Director

BCA Syariah

Mr. Wahyu AVIANTO Head of the Division of Strategic Planning &

Performance
BNI Syariah

Mr. Imam Teguh SAPTONO Compliance Director

BNI Syariah

22
 Indonesia/Indonésie

Mr. Edi SETIJAWAN Group Head Corporate planning

BRI Syariah

Mr. Evi FIRMANSYAH Vice President Director

BTN

Mr. Ainul YAQIN Bank BTPN

Mr. Rico TASMAYA Director

Citibank

Ms. Ditta AMAHORSEYA Director

Citibank

Mr. Hotman SIMBOLON President Customer Care

Citibank

Mr. Choi Chang SIK CEO Hanabank

Hanabank Indonesia

23
 Indonesia/Indonésie

Mr. Felix I HARTADI Compliance Director

HSBC

Ms. ERAWATI Compliance Director

ICBC Indonesia

Mr. Danny HARTONO Vice President Director

Rabobank

Mr. Louis SJAHLIM President Director

Royal Bank

Mr. Soehadie TANSOL Compliance Director

UOB Buana

Mr. Eko BUDIWIYONO President Director

DKI

Mr. Agus RUSWENDI CEO

Bank Jabar

24
 Indonesia/Indonésie

Mr. ERZON President Director

Bank Riau Kepulauan Riau

Mr. ISLAMUDDIN President Director

BPD Aceh

Mr. I Wayan SUDJA President Director

BPD Bali

Mr. SUPRIYATNO President Director

BPD DIY

Mr. SULISTYONO Head of Fund & Domestic Service Sub Division

BPD Jawa Tengah

Mr. Djoko LESMONO Director of Bisnis, Middle dan Corporation

BPD Jawa Timur

Mr. Sudirman HMY President Director

BPD Kalimantan Barat

25
 Indonesia/Indonésie

Mr. H. Juni RIF'AT President Director

BPD Kalimantan Selatan

Mr. Michael P. LANGKAH Head of Treasury Division

BPD Kalimantan Tengah

Mr. Muhammad YAMIN Branch Manager Jakarta

BPD Kalimantan Timur

Mr. Ellong TJANDRA President Director

BPD Sulawesi Barat

Mr. Syaiful BAHRI Compliance Director

BPD Sumatera Barat

Mr. ZENILHAR Director of Marketing and Sharia

BPD Sumatera Utara

Ms. Dewi KUNTARI Lecturer

STEPKI

26
 Indonesia/Indonésie

Mr. EFENDRI Lecturer

STEKPI

Dr. HERMIYETTI Lecturer

STEKPI

Mr. Abdul Hamid CEBBA Head of Internal Control

UIN

Mr. Yusar ASEP Lecturer of Accounting Departement of Economics

and Bussiness
UIN

Mr. Gondang SUNGKAWA Director of Finance and Human Resources

University of Muhammadiyah Jakarta

Dr. Syafruddin KARIMI Dean of Economics Faculty

University of Andalas

Mr. Yopi FETRIAN Lecturer

University of Andalas

27
 Indonesia/Indonésie

Mr. SUHARTONO Lecturer

University of Balikpapan

Dr. Dedy Takdir SYAIFUDDIN Lecturer

University of Haluoleo

Dr. Muh. Yunus ZAIN Lecturer

University of Hasanuddin

Ms. Rofikoh ROHIM Lecturer

University of Indonesia

Mr. Ahmad YUNANI Lecturer

University of Lambung Mangkurat

Mr. M. Rusmin NURYADIN Lecturer

University of Lambung Mangkurat

Mr. Ryan J. ANWARD Lecturer

University of Lambung Mangkurat

28
 Indonesia/Indonésie

Mr. Arif BUSTAMAN Secretary of Research Unit - Faculty of Economic

University of Padjadjaran

Dr. Badia PARIZADE Rector

University of Sriwijaya

Ms. Ami DILHAM Deputy Dean III

University of Sumatera Utara

Mr. Haroni Doli RITONGA Lecturer

University of Sumatera Utara

Mr. John Tafbu RITONGA Dean of Economics Faculty

University of Sumatera Utara

Mr. Wahyu Ario PRATOMO Head of Economic Development Department -

Faculty of Economics
University of Sumatera Utara

Dr. Apollo DAITO Lecturer

University of Tarumanegara

29
 Indonesia/Indonésie

Ms. Herlina BUDIONO Lecturer

University of Tarumanegara

Dr. Herman RUSLIM Lecturer

University of Tarumanegara

Dr. Ishak RAMLI Lecturer

University of Tarumanegara

Dr. I Wayan RAMANTHA Dean of Economics Faculty Monetary Policy

University of Tarumanegara

Ms. Tri WAHYU R. Lecturer

Semarang

Dr. Haryono SUYONO Chairman of Indonesian National Council on Social

Welfare
Indonesian National Council on Social Welfare

Ms. Yoko DOI Financial Specialist

The World Bank

30
 Indonesia/Indonésie

Mr. P. S. SRINIVAS Senior Financial Economist

The World Bank

Mr. Ari A. PERDANA Evaluation Specialist

Office of the Vice President

Mr. Imam PRASODJO Chairman of Nurani Dunia Foundation

Nurani Dunia Foundation

Mr. Albert W. PATERSON President Director

Sun Life Financial Indonesia

Mr. Jeremy STRINGER Unit manager, Rural Development

Australian Agency for International Development

Ms. Lulu WARDHANI Australian Agency for International Development

Mr./Ms. Kenichi TAMAGAKI Japan International Cooperation Agency

31
 Indonesia/Indonésie

Mr. Taku ITO Japan International Cooperation Agency

Mr. Hiroshi TAHARA Japan International Cooperation Agency

Mr. Ronald WAAS Director, Directorate of Accounting and Payment

System
Bank Indonesia

Mr. DONANTO Director, Directorate of Accounting and Payment

System
Bank Indonesia

Mr. Dody Budi WALUYO Head of Bureau, International Directorate

Bank Indonesia

Dr. Juda AGUNG Advisor, Directorate of Economic Research and

Monetary Policy
Bank Indonesia

Mr. SUHAEDI Advisor, Directorate of Banking Research and

Regulation
Bank Indonesia

32
 Indonesia/Indonésie

Dr. Pungky Purnomo WIBOWO Executive Researcher, Directorate of Banking

Research and Regulation
Bank Indonesia

Mr. Endang Kurnia SAPUTRA Executive Researcher, Directorate of Banking

Research and Regulation
Bank Indonesia

Mr. Dudy ISKANDAR Head of Bureau, Directorate of Human Resources

Bank Indonesia

Ms. Dewi NORMAWATI Directorate of Economic and Monetary Statistics

Bank Indonesia

Mr. Budiman KOSTAMAN Senior Advisor, Centre of Education and Central

Bank Studies
Bank Indonesia

Mr. Zainal ABIDIN Senior Advisor, Centre of Education and Central

Bank Studies
Bank Indonesia

Mr. Dwi PRANOTO Director, Special Unit for Information Managements

Bank Indonesia

33
 Indonesia/Indonésie

Mr. Imaduddin SAHABAT Special Unit for Information Management

Bank Indonesia

Mr. Tony Noor TJAHJONO Special Unit for Information Management

Bank Indonesia

Mr. Tutuk S.H. CAHYONO Head of BI Regional Office - Balikpapan

Bank Indonesia

Mr. Aldy PRADANA Junior Economic Researcher of BI Regional Office -

Balikpapan
Bank Indonesia

Mr. Lucky FATHUL A.H. Head of BI Regional Office - Bandung

Bank Indonesia

Mr. Harry S. BASKORO Senior Analyst of BI Regional Office - Bandung

Bank Indonesia

Mr. Khairil ANWAR Head of BI Regional Office - Banjarmasin

Bank Indonesia

34
 Indonesia/Indonésie

Ms. Yunie WIJAYANTI Junior Bank Supervisor of BI Regional Office -

Banjarmasin
Bank Indonesia

Mr. Jeffry KAIRUPAN Head of BI Regional Office - Denpasar

Bank Indonesia

Ms. Diana YALESPERDANI Senior Bank Supervisor of BI Regional Office -

Denpasar
Bank Indonesia

Mr. Hario Kartiko PAMUNGKAS Bank Supervisor of BI Regional Office - Kendari

Bank Indonesia

Mr. SABIL Deputy Head of BI Regional Office - Kendari

Bank Indonesia

Mr. Lambok Antonius SIAHAAN Head of BI Regional Office - Makassar

Bank Indonesia

Mr. Bambang KUSMIARSO Deputy Head of BI Regional Office - Makassar

Bank Indonesia

35
 Indonesia/Indonésie

Mr. Nasser ATORF Head of BI Regional Office - Medan

Bank Indonesia

Mr. Mega WILASTOMO Analyst of BI Regional Office - Medan

Bank Indonesia

Mr. Mahirsyah Emil AKBAR Deputy Head of BI Regional Office - Padang

Bank Indonesia

Mr. Dwi Tugas WALUYANTO Senior Analyst of BI Regional Office - Padang

Bank Indonesia

Mr. Didy Laksmono RAHADI Head of BI Regional Office - Palembang

Bank Indonesia

Ms. Adela Putri RIZKIA Junior Economic Researcher of BI Regional Office -

Palembang
Bank Indonesia

Mr. H. YUNNOKUSUMO Deputy Head of BI Regional Office – Semarang

Bank Indonesia

36
 Indonesia/Indonésie

Mr. Rakyan Gilar GIFARULA Junior Bank Supervisor of BI Regional Office –

Semarang
Bank Indonesia

Mr. SARWANTO Deputy Head of BI Regional Office - Surabaya

Bank Indonesia

Japan/Japon

Ms. Ryouko OKAZAKI Director

Head of Promotion of Financial Education Group
Public Relations Department
Bank of Japan

Mr. Hidehiko SOGANO Deputy Director-General

Financial Markets and International Department
Bank of Japan

Korea/Corée

Mr. Kyoung LIM Director, Economic Education Division

Economic Education Division
Bank of Korea (BOK)

Malaysia/Malaisie

Mr. Nizam IBRAHIM Senior Executive

Consumer and Market Conduct Department
Bank Negara Malaysia

Ms. Jariah MASUD Senior Researcher Fellow

Institute of Gerontology
Universiti Putra Malaysia

37
 Malaysia/Malaisie

Ms. Koid SWEE LIAN Director

Consumer and Market Conduct Department
Bank Negara Malaysia

Netherlands/Pays-Bas

Mr. Jared Penner Child Savings International

Aflatoun & Childfinance

Philippines

Mr. Zeno Ronald R ABENOJA Director of the Economic and Financial Learning
Center (EFLC)
Bangko Sentral Ng Pilipinas

Ms. Dottie BERNAS Bank Officer IV

Financial Consumer Affairs Group
Bangko Sentral Ng Pilipinas

Dr. Johny Noe RAVALO Managing Director

Supervision and Examination Sector
Bangko Sentral Ng Pilipinas

Singapore/Singapour

Ms. Hooi Min TOH Deputy Director

Consumer Issues Division
Monetary Authority of Singapore (MAS)

38
 South Africa/Afrique du Sud

Mr. Lyndwill CLARKE Manager, Consumer Education Department

Financial Services Board

Tanzania/Tanzanie

Mr. Agapiti E. KOBELLO Director

Directorate Banking Supervision
Bank of Tanzania

Mr. Emmanuel M. MUNGONGO Assistant Manager, Governors office

Monitoring, Financial Stability Department
Bank of Tanzania

Mr. Thomas N. NCHIMANI Principal Economist, Real Sector &

Microfinance Dept.
Directorate of Economic Policy
Bank of Tanzania

Mr. Victor C. TARIMU Assistant Manager, Operations and Policy Review

Directorate Banking Supervision
Bank of Tanzania

Thailand/Thaïlande

Ms. Wipanuch ARDRUGSA Analyst, Prudential Policy Department

Financial Institutions Policy Group
Bank of Thailand

Ms. Ubolsri BOONYARUTTAPUNTH Division Executive

Credit Information Supervision Division
Bank of Thailand

39
 Thailand/Thaïlande

Mr. Parisanti PHADUNGCHEEWIT Officer on Special Assignment

Financial Institution Monitoring and Analysis Dept
Bank of Thailand

Miss Siritida PANOMWON NA AYUDHYA Bank of Thailand

Mr. Boripun SINGHSILARAK Bank of Thailand

United Kingdom/Royaume-Uni

Mr. Gerard LEMOS Chairman

Money Advice Service

40
 OECD/OCDE

Mrs. Adele ATKINSON Policy Analyst, Financial Education

Directorate for Financial and Enterprise Affairs /
Financial Affairs Division
OECD

Mr. Richard BOUCHER Deputy Secretary-General

General Secreriat
OECD

Mr. Andrea GRIFONI Junior Policy Analyst, Financial Education

Directorate for Financial and Enterprise Affairs /
Financial Affairs Division
OECD

Ms. Flore-Anne MESSY Principal Administrator

Directorate for Financial and Enterprise Affairs /
Financial Affairs Division
OECD

Alliance for Financial Inclusion (AFI)

Mr. Simone DI CASTRI Policy & Grant Manager

Policy & Grant
Alliance for Financial Inclusion (AFI)

41