Indonesia - Enhancing formal financial services that can be utilized by all groups of society is an absolute necessity for Indonesia. Through the National Medium Term Plan (2015-2019), an inclusive and equitable development framework targets access to weak economic groups and small micro businesses towards formal financial services. Beside People Business Credit program, the government requires the contribution of BUMN companies through a program known as the Partnership and Community Development Program through Law No. 19 of 2003 concerning BUMN and the Minister of SOE Regulation Number PER-09 MBU / 07/2015.

This study specifically wants to find out whether the principles of inclusive finance are implemented in the provision of business credit and further explore the impact of business credit which provided by BNI Bank on the development of creative industry MSMEs in Lasem, Rembang, Central Java.

The study found that financial services performed by BNI were still very limited. From the government regulations, BNI does not fulfill all obligations in the SOE ministerial regulation. Some of the efforts made by BNI to meet the requirements and obligations are vague on the boundary line. Although the Partnership Program's practice can significantly improve the quality of small and medium micro enterprises in Indonesia among the unbankable groups, uncertainty about government’s direction causes the contribution, dedication and commitment of Bank National Company become not optimal. In addition, if measuring the financial inclusion services provided by BNI with the FFGI indicator, BNI fulfills most of these indicators, but at a level that only meets the government's requirements. In this case, a very important role is returned to the government and policy tools that regulate the banking sector.

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