Largest Spending Allocation of Indonesia’s Middle Class for Daily Needs

The second edition of the Katadata Indonesia Middle Class Insight (KIMCI) survey report from the Katadata Insight Center (KIC) shows that more than 40.5% of Indonesian middle-class respondents allocate their monthly income to consumption or daily needs.

The KIC research team assesses that the high proportion of this choice indicates financial pressure.

"The spending structure also shows significant financial pressure, reflected in the large allocation for daily consumption," KIC wrote in its report.

The next expenditure is allocated to savings, chosen by 21.8% of respondents. Then for installment payments 16.4%, entertainment 11.5%, and self-development 9.9%.

"The continued allocation for competency development shows the long-term awareness of the middle class to improve their economic capacity amid existing constraints," KIC wrote.

Due to high living costs, the survey also found that 63.6% of middle-class respondents have experienced a situation where "their debts exceed their assets".

The KIMCI report was launched at the IDE Katadata Future Forum 2026 event at the Ballroom Djakarta Theater, Jakarta, Wednesday (April 15, 2026).

The survey results generally reveal the conditions, behaviors, and perceptions of the middle class, which can serve as a basis for formulating strategies and policies to strengthen resilience, promote growth, and support economic and social development in Indonesia.

A total of 1,000 respondents aged 18-60 were involved, consisting of 61.6% men and 38.4% women. The majority or 59.3% come from Java Island, followed by Sumatra (19.6%), Bali-Nusa (5.9%), Kalimantan (7.6%), Sulawesi (5.7%), and Maluku-Papua (1.9%).

The data collection was conducted from the fourth quarter of 2025 to the first quarter of 2026 online using non-probability sampling methods. The survey's margin of error is approximately 3.16%.

The full results of the KIC survey titled "Middle Class at the Crossroads of the Future" can be accessed via the following link.