Top Financial Inclusion Score for Indonesian Retirees in 2024

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Erlina Fury Santika 27/02/2025 18:26 WIB

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Data from the Financial Services Authority (OJK), processed by Aftech, reveals varying levels of financial inclusion across different segments of society. Proportionally, the highest level is held by

Financial Inclusion Index by Respondent's Daily Occupation/Activity (2024)

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Top Financial Inclusion Score for Indonesian Retirees in 2024

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Financial Inclusion Index by Respondent's Daily Occupation/Activity (2024)

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

The financial inclusion index measures public access to financial services. This index is measured on a scale of 0-100%. The higher the score, the better the literacy rate.

Retired military/civil servants achieved the highest composite financial inclusion index score at 98.18%. Conventional finance scored 98.18% and Sharia finance 29.15%.

Employees/professionals followed with a composite score of 98.05%. Their conventional finance index was 93.99%, and Sharia finance 21.55%.

Next were entrepreneurs/self-employed individuals with a total score of 85.4%. Their conventional finance index was 84.37%, and Sharia finance 13.63%.

Housewives also showed a high level of financial inclusion, with a composite score of 77.03%. Their conventional finance index was 75.36%, and Sharia finance 13.32%.

Outside these four occupations, the composite score was below 70%. These occupations or activities include farmers/ranchers/gardeners/fishermen; students; and those unemployed or not yet working, as shown in the graph.

This index score was calculated in the 2024 National Survey of Financial Literacy and Inclusion (SNLIK) conducted by the OJK and the Central Bureau of Statistics (BPS). Indonesia's financial inclusion index was 75.02% in 2024, down from 85.10% in 2022. However, the OJK and BPS noted that there were updates to the survey methodology in 2024, resulting in potentially different achievements compared to previous years.

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

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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Top Financial Inclusion Score for Indonesian Retirees in 2024

Top Financial Inclusion Score for Indonesian Retirees in 2024

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Top Financial Inclusion Score for Indonesian Retirees in 2024

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