摘要：This study sought to determine a financial inclusion development strategy and to reveal a financial inclusion model that can accelerate the provision of financial access for embroidery MSMEs in rural areas. This study employed an exploratory- descriptive method which attempted to provide an overview in the form of data and arguments concerning financial inclusion in the embroidery centre in rural areas of Pariaman, West Sumatera. The data were analysed using descriptive analysis, SWOT and triangulation. The results explained that the strengths and weaknesses as well as the opportunities and threats of implementing financial inclusion based on the results of internal environmental (Internal Factor Analysis Summary (IFAS)) analysis was in a strong position and based on external environment (EFAS) analysis was in a moderate position. These positions indicated that the level of financial inclusion in the embroidery MSMEs in rural areas is in the state of expanding. The strategy for developing financial inclusion is the Strength-Opportunity (SO) strategy. The financial inclusion model can be formulated in two stages. The first stage is to build the trust of entrepreneurs to have access to various financial services. The next step is to create reassurance in the service and integrated and sustainable guidance. Consequently, synergy and collaboration are essential amongst the government, financial institutions, financial technology companies, cooperatives, market managers and related parties in order to create competitive embroidery MSMEs in rural areas.
