Personal Savings, the Main Source of Capital for Indonesians to Start Business

Akbar Ridwan 30/03/2026 10:38 WIB

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According to a Jakpat survey in February 2026, the majority of Indonesians' capital sources for running businesses come from personal savings.

Source of Capital for Indonesian Citizens to Run a Business (February 5-6, 2026)

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Source of Capital for Indonesian Citizens to Run a Business (February 5-6, 2026)

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According to a Jakpat survey conducted in February 2026, the majority of Indonesian citizens' sources of capital for running a business come from personal savings.

Those surveyed included people who already own a business/entrepreneurs and respondents who do not yet own a business/aspiring entrepreneurs.

The proportion of respondents who use personal savings as a source of capital to run a business reached 72%.

"Seven out of 10 people use personal savings as business capital," Jakpat said in its report.

The following are the sources of capital used by aspiring and existing entrepreneurs in Indonesia to run their businesses, according to the Jakpat survey as of February 2026:

Personal savings: 72%
Loans from family/friends (interest-free): 17%
Bootstrapping: 14%
Bank loans: 14%
Selling assets (vehicles, land, gold, etc.): 11%.

According to Jakpat, the majority of respondents who plan to or have already started a business admitted to beginning with limited capital.

"Women prefer micro capital of under IDR 10 million, while men more often secure funding in the range of IDR 10–50 million," Jakpat explained.

Jakpat conducted this survey online on February 5–6, 2026, involving 1,258 respondents from among aspiring and existing entrepreneurs. Respondents were aged between 17–50 years, came from various regions across Indonesia, with a margin of error below 5%.

Editor : Erlina Fury Santika

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."