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 (95%) of all the FII countries. Six in 10 Indonesian adults (60%), 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
40% of Indonesians are happy with their financial situation.

Mobile Phone Ownership

Total Population
By Gender
By Poverty Level
69% of Indonesians can send and receive SMS.

Financial Behaviors

Total Population
By Youth and Women
98% of Indonesians are numerate.

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

A. Rural
B. Below-poverty-line
C. Female
D. Urban
Below poverty line - (12%)

Mobile phone ownership is highest among which demographic group?

A. Urban
B. Male
C. Above poverty
D. Youth
Youth - (78%)

True or false

Gainfully employed Indonesians are most likely to be factory employees

False - (Farm workers or owners make up 26% of employed vs. 8% factory employees.)

Which mobile money brand is most well-known in Indonesia?

A. XL Tunai
B. T-Cash
C. BBM Money
D. Dompektu
E. Rekening Ponsel
XL Tunai

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

A. Rural
B. Below poverty line
C. Female
D. Male
Rural or Below poverty line - (Just 13% of both the Rural and Below poverty line groups have accounts.)

What percentage of adults are housewives or students?

A. 22%
B. 34%
C. 40%
D. 13%