Ilomata International Journal of Tax & Accounting P-ISSN: 2714-9838; E-ISSN: 2714-9846 Volume 2, Issue 4 October 2021 Page No. 255-261 255 | Ilomata International Journal of Tax & Accounting https://www.ilomata.org/index.php/ijtc Financial Literacy and Inclusion Analysis of The Community of Pulau Seribu (A Case Study on The Limitations of Banking Financial Services in The Pulau Seribu) Erni Prasetiyani 1 , Ai Nety Sumidartini 2 , Achmad Barlian 3 Institut Ilmu Sosial dan Manajemen STIAMI 1 Correspondent: erni@stiami.ac.id Received : August 08, 2021 Accepted : August 25, 2021 Published : October 31, 2021 Citation: Prasetiyani, E., Sumidartini, A.N, Barlian, A. (2021). Financial Literacy And Inclusion Analysis Of The Community Of Pulau Seribu (A Case Study On The Limitations Of Banking Financial Services In The Pulau Seribu). Ilomata International Journal of Tax & Accounting 2(4),255-261. https://doi.org/10.52728/ijtc.v2i4.373 ABSTRACT: The progress of a region can be measured by the level of financial literacy of its population and financial inclusion. DKI Jakarta is in the top financial ranking for literacy and inclusion, but it is inversely proportional to the Pulau Seribu region. This research is a qualitative research with the technique of obtaining data through in-depth interviews with residents in the Pulau Seribu. The results are processed with a Strength Weakness Opportunity Threat (SWOT) analysis to produce a map of the strengths, weaknesses, opportunities and threats that exist in the Pulau Seribu region. With the SWOT condition in the region, it is hoped that the policy makers, namely the Otoritas Jasa Keuangan (OJK), the DKI Jakarta Regional Government and the community themselves are able to synergize in formulating strategies to accelerate the backwardness of the Pulau Seribu with DKI Jakarta. Keywords: Financial Literacy, Financial Inclusion, Strength Weakness Opportunity Threat (SWOT) and the Otoritas Jasa Keuangan(OJK) Publisher’s Note: Ilomata International Journal stays neutral with regard to jurisdictional claims in published maps and institutional affiliations. Copyright: © 2021 by the authors. Licensee Ilomata International Journal, Indonesia. This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license (https://creativecommons.org/licenses/by/4.0/). INTRODUCTION Financial literacy in the industrial era has become a hot issue for a country's economic progress. Some countries experienced a significant increase while others experienced stagnation and even did not experience significant changes. Countries with the highest acceleration of financial literacy are China and India which occupy a financial literacy level of 87% while Indonesia is only at 34%, Russia and Africa are at the level of 82% (Shandy, 2021). In a study about financial literacy in South Africa showed those gender, age, language, race and income levels do have an impact on the level of financial literacy (de Clercq & Venter, 2009). In other study for Muslim community in USA, even religion have an impact on the level of financial literacy (Zinser, 2019). The newest study in Portugal, shows that the financial literacy scale presents a tri-factor structure with adequate validity and reliability levels. The three obtained factors are designated 1-2-year financial planning and goals, long-term saving and taste for numeric calculations (Santos et al., 2021). Lack of literacy and lack of information can affect the ability to