Indonesia’s Financial Literacy, Inclusion Exceed 2026 Targets

RRI.CO.ID, Jakarta - Financial literacy and inclusion in Indonesia showed positive results in 2026, with both indicators surpassing the government’s targets set in the 2025–2029 National Medium‑Term Development Plan (RPJMN).

Findings from the 2026 National Survey on Financial Literacy and Inclusion (SNLIK) show that the financial literacy index reached 69.57 percent, while the financial inclusion index stood at 93.61 percent. These figures are higher than the RPJMN targets of 69.35 percent and 93 percent, respectively.

Chairperson of the Financial Services Authority (OJK) Board of Commissioners, Friderica Widyasari Dewi, said Indonesia’s achievements place the country at a relatively high level compared with OECD standards.

“If we look at OECD countries, the financial literacy index is clearly around 63 percent -- a figure from the previous year that is not yet the most recent,” Friderica said during a press conference on the 2026 SNLIK results in Jakarta on Monday, August 10, as quoted by Antara.

She added that the national results indicate that the RPJMN targets for financial literacy and inclusion have been exceeded. The 2026 survey involved 75,000 respondents across 38 provinces and 514 regencies/cities.

Data collection was conducted from January 26 to February 18 using the Computer‑Assisted Personal Interviewing (CAPI) method through the FASIH Mobile app. The survey was carried out in collaboration with the OJK, the Central Bureau of Statistics (BPS), and the Deposit Insurance Corporation (LPS).

By region, financial literacy among urban residents reached 72.54 percent, higher than the 64.42 percent recorded in rural areas. A similar pattern was seen in financial inclusion, with urban areas reaching 95.47 percent and rural areas 90.39 percent.

BPS Head Amalia Adininggar Widyasanti said financial inclusion increased in both areas compared with the previous year. “The 2026 financial inclusion index in both urban and rural areas rose from last year, with urban areas increasing by 0.99 basis points (bps) and rural areas by 0.36 bps,” she said.

By gender, financial literacy among men reached 69.61 percent, slightly higher than the 69.54 percent recorded among women. For financial inclusion, the index for men stood at 93.73 percent, while the index for women reached 93.49 percent.

In the financial services sector, the conventional financial literacy index stood at 69.57 percent, while sharia financial literacy remained lower at 43.07 percent. ***