Economics & Macro

Lite

Financial Products Commonly Owned by Indonesia’s Middle Class in 2026

Nabilah Muhamad 17/04/2026 13:58 WIB

Bagikan URL has been copied

Memuat...

The KIC survey shows that savings have become a financial product widely owned by the middle class in Indonesia. This was stated by 67.8% of the respondents.

Share of Indonesian Middle-Class Respondents by Financial Products Owned (Q4 2025–Q1 2026)

A Font Kecil
A Font Sedang
A Font Besar

Access single data

Financial Products Commonly Owned by Indonesia’s Middle Class in 2026

Want to get more access to Data Stories with a more affordable price? Subscribe.

By subscribing, you join us in presenting quality data.

Get:

Premium Data Stories access
Comfortable reading without ads
Download data in XLS, PDF, and image format
Access to data source information

Basic

~~Rp100.000~~

Rp50.000/month

Professional

~~Rp100.000~~

Rp150.000/month

Institutional For organizations

We accept the following payments:

Some payment methods are still in the process of being activated.

Share of Indonesian Middle-Class Respondents by Financial Products Owned (Q4 2025–Q1 2026)

Download

Source

A Small
A Medium
A Bigger

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

The KIMCI report reveals 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 research findings in the report relates to the ownership of financial products among the middle class. Savings are the most commonly owned instrument, with a proportion of 67.8%.

In addition, many respondents also own liquid financial products, such as stocks, mutual funds, cryptocurrencies, and others.

"Amid inflationary pressures and economic uncertainty, investing is seen as an increasingly relevant strategy to maintain purchasing power, not just to increase wealth," KIC wrote in its report.

Here is a list of financial products owned by the middle class in Indonesia, according to KIC's survey:

Savings: 67.8%
Digital wallets: 43%
Credit cards: 19.8%
Stocks: 19.2%
Insurance: 17.6%
Mutual funds: 15.6%
Retirement savings products: 15.2%
Deposit products: 13.9%
Homeownership loans (KPR): 11.3%
Cryptocurrencies: 10.3%
Car/motorcycle loans: 9.2%
Bank loans with collateral: 7.8%
Bank loans without collateral: 7.4%
Bonds: 6.1%
Microcredit: 1.9%
Current accounts: 1.8%
None of the above: 7%

KIC conducted this survey in the fourth quarter of 2025-first quarter of 2026 on 1,000 middle-class respondents.

The respondents were aged between 18-60 years with an expenditure 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 Katadata Indonesia Middle Class Insight (KIMCI) from KIC can be downloaded via this link.

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."

Related Data

Regional Expenditure Realization of Kubu Raya Regency Government as of April 2026

10 Securities Companies on the IDX with the Largest Trading Value Q1 2026

Most retail investors in Indonesia come from workers, not entrepreneurs.

10 Issuers with the Largest Market Capitalization on the IDX Q1 2026

15 Listed Companies with the Highest Stock Trading Frequency on the Indonesia Stock Exchange (IDX) in Q1 2026

Realization of Regional Original Revenue (PAD) of West Nias Regency as of End of 2025

Latest Data Stories

Average Per Capita Monthly Expenditure in South Kalimantan 2015 - 2024 Consumer Services & Health 17/04/2026, 15:57 WIB

Construction Cost Index of North Bengkulu Regency, Bengkulu 2025 Property 17/04/2026, 15:43 WIB

Price of Local Refined Sugar in Traditional Markets for the Period April 2025-2026 Economics & Macro 17/04/2026, 15:28 WIB

Population of Slaughterable Male Beef Cattle for the Period 2013-2025 Demographics 17/04/2026, 15:26 WIB

US Soybeans Two-Month Contract Price - US Soybeans Futures Traded at US$1.161.75/Bushel in the Afternoon (Friday, April 17, 2026) Economics & Macro 17/04/2026, 14:43 WIB

Global Oil Price Drops to US$98.76 per Barrel (Friday, April 17, 2026) Market 17/04/2026, 14:43 WIB

Download

Source

Financial Products Commonly Owned by Indonesia’s Middle Class in 2026

Financial Products Commonly Owned by Indonesia’s Middle Class in 2026

Tags

Related Data

Regional Expenditure Realization of Kubu Raya Regency Government as of April 2026

10 Securities Companies on the IDX with the Largest Trading Value Q1 2026

Most retail investors in Indonesia come from workers, not entrepreneurs.

10 Issuers with the Largest Market Capitalization on the IDX Q1 2026

15 Listed Companies with the Highest Stock Trading Frequency on the Indonesia Stock Exchange (IDX) in Q1 2026

Realization of Regional Original Revenue (PAD) of West Nias Regency as of End of 2025

Latest Data Stories

Popular Data

Financial Products Commonly Owned by Indonesia’s Middle Class in 2026

Financial Products Commonly Owned by Indonesia’s Middle Class in 2026

Tags

Related Data

Regional Expenditure Realization of Kubu Raya Regency Government as of April 2026

10 Securities Companies on the IDX with the Largest Trading Value Q1 2026

Most retail investors in Indonesia come from workers, not entrepreneurs.

10 Issuers with the Largest Market Capitalization on the IDX Q1 2026

15 Listed Companies with the Highest Stock Trading Frequency on the Indonesia Stock Exchange (IDX) in Q1 2026

Realization of Regional Original Revenue (PAD) of West Nias Regency as of End of 2025

Latest Data Stories

Trending Topics

Popular Data