Financial Literacy Levels Across Various Community Backgrounds, Senior Officials

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Erlina Fury Santika 27/02/2025 16:50 WIB

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OJK data processed by Aftech reveals varying levels of financial literacy across different segments of the population. Proportionally, the highest level is held by employees.

Financial Literacy Index by Respondent's Occupation/Daily Activities (2024)

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Financial Literacy Levels Across Various Community Backgrounds, Senior Officials

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Financial Literacy Index by Respondent's Occupation/Daily Activities (2024)

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Data from the Indonesian Financial Services Authority (OJK), processed by the Indonesian Fintech Association (Aftech), reveals varying levels of financial literacy across different occupations and activities in 2024.

Financial literacy, measured by this index, represents the public's ability to understand, obtain, and evaluate financial information. The index is scored on a scale of 0-100%. A higher score indicates a better level of literacy.

Employees or professionals had the highest financial literacy index score. The composite score was 83.22%. Conventional finance scored 83.16%, and Sharia finance scored 61.47%.

Next, entrepreneurs or self-employed individuals scored 78.32% composite. The conventional finance literacy index was 78.26%, and Sharia finance was 51.16%.

Housewives had a composite score of 64.44%. Their conventional finance index was 63.85%, and Sharia finance was 40.19%.

Outside these three occupations, the composite score was below 60%. These occupations or activities include farmers/ranchers/gardeners/fishermen; retirees/veterans; students; and the unemployed/unemployable, as shown in the graph.

This index score is calculated from the 2024 National Survey of Financial Literacy and Inclusion (SNLIK) conducted by the OJK. The financial literacy index increased to 65.43% in 2024 from 49.68% in 2022. It should be noted that the OJK used a new methodology in 2024, so the score may differ from the previous year.

Fieldwork for the 2024 SNLIK was conducted from January 9 to February 5, 2024, across 34 provinces, covering 120 regencies/cities, including 8 OJK regional offices (1,080 census blocks). The 2024 SNLIK sample comprised 10,800 respondents aged 15 to 79 years.

"This reflects progress in public understanding of how to manage finances effectively," Aftech wrote in its report, quoted on Thursday (February 27, 2025).

(See also: [Indonesia's Financial Literacy Rate Reaches 65.43% in 2024, Inclusion 75.02%])

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."

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Financial Literacy Levels Across Various Community Backgrounds, Senior Officials

Financial Literacy Levels Across Various Community Backgrounds, Senior Officials

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