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1st Int. Transborder Conf. of the Timor Island: Timor %u2013 Science without borderDili, 7-8 May 202579Strategies and Policies To Increase Financial Inclusion In Indonesia%u2013Timor-Leste Border Region Using Penta-helix ApproachFrans Gana*, Yohanes L. Praing, Fredrik L. Benu and Laurensius SayraniFaculty of social and Political Science, Universitas Nusa Cendana, Indonesia.*Corresponding author: frans.gana@staf.undana.ac.idAbstractA 2020 survey conducted by the National Council for Financial Inclusion Secretariat revealed that 81.4% of the population uses products or services offered by formal financial institutions. Despite this, poverty remains a significant issue in regional areas. Efforts to address inequality and poverty within the framework of inclusive economic development have not been widely implemented, particularly at the regional level in Indonesia. This study explores strategies and policies to enhance financial inclusion in the Indonesia%u2013Timor Leste border regions using the pentahelix approach. Employing a qualitative research method, the study emphasizes the involvement of five key stakeholders%u2014government, academia, businesses, media, and civil society%u2014in promoting financial inclusion. The findings indicate that the Government of the Republic of Indonesia, in collaboration with various stakeholders in the RI-RDTL (Republic of Indonesia%u2013Democratic Republic of Timor Leste) border area, has implemented initiatives such as providing incentives to financial institutions, micro, small, and medium enterprises (MSMEs), and educational institutions. However, several challenges persist, including limited internet connectivity, low levels of financial literacy, and suboptimal coordination among stakeholders. To address these issues, enhancing human resource capacity through integrated education and technology programs is crucial. The government is encouraged to consider the study%u2019s recommendations to strengthen financial inclusion in the RI-RDTL border region, ultimately contributing to its socioeconomic development.Keywords: Strategy, Policy, Financial Inclusion, Pentahelix, Indonesia Border Region.