Financial Literacy and Inclusion Rise in 2025, Says National Survey
Main Takeaways
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JAKARTA, investortrust.id — Public understanding and use of financial services in Indonesia have improved in 2025, according to a newly released national survey jointly conducted by the country’s financial regulatory authority and its national statistics agency.
The survey, titled the 2025 National Survey on Financial Literacy and Inclusion, showed increases in both literacy and inclusion indices across various financial services. The survey was carried out by Indonesia’s Financial Services Authority, Otoritas Jasa Keuangan (OJK), and Statistics Indonesia, Badan Pusat Statistik (BPS).
Deputy for Social Statistics at BPS Ateng Hartono reported that the national financial literacy index has risen to 66.46 percent in 2025, up from 65.43 percent in 2024. When calculated using the broader coverage defined by the National Council for Financial Inclusion (DNKI)—which includes nine financial sectors along with payment systems, social security agencies, and other financial institutions—the index rose to 66.64 percent.
“Based on the DNKI coverage, literacy increased from 65 percent last year to 66 percent this year,” said Ateng during a press conference held on Friday, May 2, 2025, at the BPS headquarters in Jakarta.
The survey also found differences between conventional and syariah financial services. For conventional services, literacy climbed from 65.08 percent in 2024 to 66.45 percent in 2025. Meanwhile, literacy in syariah services, though still significantly lower, improved from 39.11 percent to 43.42 percent year-on-year.
On the inclusion side, or public access to financial services, Indonesia saw an even stronger performance. The inclusion index jumped from 75.02 percent in 2024 to 80.51 percent in 2025, using the standard methodology. Under the DNKI framework, which includes a wider range of institutions such as BPJS (Indonesia's Social Security Agency), the index reached 92.74 percent.
“Measured under DNKI’s expanded scope, inclusion now stands at 92.74 percent,” Ateng said.
In conventional financial services alone, the inclusion index rose from 73.55 percent in 2024 to 79.71 percent in 2025, while under DNKI coverage, it hit 92.61 percent. In the syariah sector, inclusion also made gains—albeit from a low base—rising from 12.88 percent to 13.41 percent.
The “sustainability method” used in SNLIK 2025 is consistent with the one used in 2024 and includes nine sectors: banking, capital markets, insurance, financing, pensions, pawnshops, microfinance, fintech lending, and state-owned financing firm PT Permodalan Nasional Madani. The DNKI method goes further by also counting payment systems, BPJS, and other financial institutions.