For more than two decades, access to banks and secure means of obtaining credit has enabled poor and female Indonesians to maintain small businesses and seek further education making them a part of Indonesia’s financially included population. As a result, they are in a better position to maintain their livelihoods without relying on financial help through unsavory means (such as loan sharks) to keep their businesses afloat. Indonesia has the highest per capital income among the seven other FII countries, according to The World Bank. It is ranked 100 globally, with Nigeria the next closest at 123, and is the most literate (83%) of all the FII countries. Six in 10 Indonesian adults (62%), however—more than 100 million people—remain in poverty, living on less than $2.50/day, which means Indonesians still need to be lifted out of poverty. Access to financial services is a tool that can make it a reality. 

Financial Inclusion

Total Financially Included
Financial Inclusion Breakdown By Accounts
Account Ownership By Year
45% of Indonesians are happy with their financial situation.

Mobile Phone Ownership

Total Population
By Gender
By Poverty Level
68% of Indonesians can send and receive SMS.

Financial Behaviors

Total Population
By Youth and Women
99% of Indonesians are numerate.

True or false

Gainfully employed Indonesians are most likely to be factory employees.

False (farm workers or owners make up 25% of those employed)

Which demographic group is least likely to own a bank account?

A. Rural
B. Below the poverty line
C. Female
D. Male
A. Rural (15% have accounts)

Awareness of mobile money did not increase between 2015 and 2016.

False (awareness increased from 8% to 15%)

True or false

Digital financial inclusion decreases sharply as you move from those who live above the poverty line (more than $2.50/day) to those living in extreme poverty (less than $1.25/day).


Which demographic group is least likely to be active financial account users?

A. Rural
B. Below the poverty line
C. Female
D. Urban
B. Below the poverty line (16%)

True or false

Banks are the most widely used form of financial services, formal or informal.

False (informal savings groups are the most widely used)