ABSTRACT
Indonesia's level of financial inclusion is still far from expectations since 2016 until now. This is illustrated by the contribution of financial inclusion in 34 provinces in Indonesia, which on average is still very low. The level of financial inclusion in each province shows the disparity between the western and eastern regions of Indonesia.
Where the average level of financial inclusion in the Western region is higher than in the Eastern region of Indonesia. For this reason, this research aims to examine the causes of disparities between the West and East regions and find solutions to overcome these disparities as a finding in this literature research. This research method is a comparative study between regions with a descriptive qualitative paradigm.

The research results found that the financial inclusion gap occurred because the government was not focused on implementing financial inclusion programs that had been announced, such as the Multi year's program, etc. In addition, supervision of the implementation of programs intended for inclusive target communities is still relatively low. For this reason, overcoming this gap requires synergy between stakeholders which is maximally supervised by the government, in this case, the Financial Services Authority and other institutions that are given authority and responsibility in implementing financial inclusion programs in Indonesia.
Keywords: Gap, Financial Inclusion, Western and Eastern, Indonesia