Of 1,000 adult residents, only 74 have UMKM credit.

Although banking services have reached even remote areas, access to Indonesian banking credit remains low. Bank Indonesia data shows that only 224 out of every 1,000 adult Indonesians had a bank credit account in August 2017. This means that less than a quarter of the adult population has a bank credit account.

Furthermore, access to credit for Micro, Small, and Medium Enterprises (MSMEs) is still very limited. Only 74 out of every 1,000 adults (7.4 percent) have an MSME credit account. High interest rates on MSME loans and numerous requirements deter many people from dealing with banks. They prefer borrowing capital from family/close acquaintances or using their own savings. This low level of banking access means that the untapped financial market share for fintech (financial technology) in Indonesia remains substantial, particularly for Peer-to-Peer (P2P) lending.

As of August 2017, the number of Third-Party Funds (TPF) accounts in banks reached 233.12 million. Meanwhile, the number of bank credit accounts totaled 42.8 million, and the number of MSME credit accounts was only 14.21 million.