001 82% Have No Bank Accounts

Bank Indonesia is concerned that 82% of Indonesia’s rural population do not hold a bank account.  A drive to increase the number of account holders began in February, but it yielded ‘only’ 480,000 new customers whereas they were hoping to attract over a million.
It would be interesting to know exactly how rural people actually handle their finances, don’t you think?  I suppose that income flows are more steady because there are several harvests in a year, so there is not such a big need to save ahead of long periods of no income.  Perhaps they prefer different ways of saving, such as physical gold (if that’s so, they’ll be cashed up now).  Certainly, interest rates are low compared to what they have been and since so many banks failed during the Asian financial crisis, a bank deposit is not a great investment.
I’ll be doing some research on this, so please let me know if you can shed more light on it.