Many Indonesian Middle Class Worry About Declining Health in Retirement

Katadata Insight Center (KIC) released the Katadata Indonesia Middle Class Insight (KIMCI) report at the IDE Katadata Future Forum 2026 event at the Ballroom of the Djakarta Theater, Jakarta, Wednesday (15/4/2026).

The KIMCI report contains research findings on the conditions, behaviors, and perceptions of the middle class, which can serve as a basis for formulating strategies and policies to strengthen resilience, drive growth, and support economic and social development in Indonesia.

One of the topics studied is the middle class's concerns about retirement. KIC found that the most commonly cited concerns are declining health conditions, followed by decreasing income.

"These two issues reflect a growing awareness that retirement is not just about stopping work, but also about maintaining quality of life amid potential income declines and increasing needs," KIC said in its report.

Here are the details of the concerns of the Indonesian middle class when they retire, according to a KIC survey:

1. Deteriorating health: 62.3% of respondents
2. Lack of income: 47.1%
3. Increasing medical and care costs: 45.1%
4. Inflation and rising living costs: 44.2%
5. Lack of savings to meet living needs: 43.3%
6. Decreased mobility: 40.6%
7. Dependence on family and government: 24.5%
8. Loss of social interaction and feeling lonely: 24.4%
9. Lack of activities and entertainment: 21.9%
10. Change in roles in the family or society: 20.4%
11. Digital divide: 19.6%
12. Technology dependence that can affect health: 19.3%
13. Security and privacy oversight: 17.1%
14. Loss of purpose and meaning in life: 15.4%
15. Changes in people's behavior in using transportation: 13.6%
16. Loss of identity: 8.8%
17. Others: 0.6%

KIC conducted this survey in the fourth quarter of 2025-first quarter of 2026 on 1,000 middle-class respondents, then narrowed it down to 884 respondents who were thinking about retirement.

The respondents were aged between 18 and 60 years old with a spending range of Rp2 million to Rp10 million per capita per month, referring to the definition of the middle class from the Central Statistics Agency (BPS).

The full report of the Katadata Indonesia Middle Class Insight (KIMCI) from KIC can be downloaded at this link.