<![CDATA[This research aims to examine the influence of penetration, availability, and usage to the bank’s profit at 10 general conventional banks registered in BEI within 2012–2016 period. The independent variables used here are penetration, availability, and usage. The dependent variable, it’s the bank’s profit. This research used purposive sampling technique. The author used descriptive analysis and regression analysis of the panel data using fixed effect. The result of the research shown that the penetration, availability, and usage as the indicators in the financial inclusion have no significant positive influence to the bank’s profit, and this is consistent with the Ikram and Lohdi (2015) theory. The banking companies must provide a more effective financial serviceto ensure and attract customers or investors. Keywords: Financial Inclusion, penetration, availability, usage, bank’s profit ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh penetration, availability, dan usage terhadap laba bank pada 10 bank umum konvensional yang tercatat di BEI periode 2012–2016. Variabel independen yaitu penetration, availability, dan usage. Variabel dependennya yaitu laba bank. Penelitian ini menggunakan metode kuantitatif dan teknik sampling purposive. Penulis menggunakan analisis deskriptif dan analisis regresi data panel menggunakan fixed effect. Hasil penelitian menunjukkan bahwa penetration, availability, dan usage tidak berpengaruh positif terhadap laba bank, sesuai dengan hasil penelitian Ikram dan Lohdi (2015). Perusahaan perbankan sebaiknya memberikan layanan keuangan yang lebih efektif sehingga bermanfaat bagi nasabah dan menarik investor. Kata Kunci: inklusi keuangan, penetrasi, ketersediaan, penggunaan, laba bank]]>
