What are the Financial Habits of Indonesia's Middle Class?

Findings from the Katadata Insight Center (KIC) show that a significant number of Indonesian middle-class individuals engage in various financial habits, both for themselves and their families.

The most prevalent financial habit among Indonesia's middle class is planning expenses and income, chosen by 69.9% of respondents in a survey conducted in early 2025.

Next is differentiating funds for monthly bills from daily needs, selected by 53.6%.

Then, there's recording expenses, at 42.2%. This is followed by recording upcoming monthly bills, at 33.1% of respondents.

Other habits include setting up automatic payments or auto-debit for routine expenses and using money management tools for bill scheduling.

However, outside of this list, some respondents reported not engaging in any financial habits.

Here's a complete list of the financial habits of the Indonesian middle class based on the KIC survey:

* Planning expenses and income: 69.9%
* Differentiating funds for monthly bills from daily needs: 53.6%
* Recording expenses: 42.2%
* Recording upcoming monthly bills: 33.1%
* Setting up automatic payments or auto-debit for routine expenses: 15.5%
* Using money management tools for bill scheduling: 15%
* None: 4.9%

This KIC survey involved 472 respondents aged 17–59, comprising 60% male and 40% female. Respondents were spread across 10 major Indonesian cities: Bandung, Medan, Surabaya, Jayapura, Jakarta, Semarang, Banjarmasin, Yogyakarta, Denpasar, and Makassar.

Data collection was conducted online from January 6–9, 2025, using a non-probability sampling method. The survey's margin of error is 4.6%.

The complete KIC survey report, titled "Indonesia's Middle Class Amidst Economic Uncertainty," can be accessed via this link.

(See also: Many Middle-Class Citizens Set Aside Savings for Emergency Funds)