Indonesia Financial Services Authority (OJK) and Statistics Indonesia recently jointly conducted the country's national survey of financial literacy and inclusion (SNLIK) 2025 in all provinces.
This marks the second collaboration between OJK and Statistics Indonesia after the SNLIK 2024. The preparation, data, and calculation of SNLIK in 2025 are seen to have maintained better quality and accuracy to arrive at index scores that illustrate the current extent of public financial literacy and inclusion in Indonesia.
OJK's CEO overseeing market conduct supervision, education and consumer protection Friderica Widyasari Dewi said, “In the development and strengthening of the financial sector law, financial services business actors are required to educate and hold literacy events, in which the survey results may evaluate whether OJK and financial services business actors have acted effectively in accordance with OJK programme targets.”
Ms Friderica said SNLIK2025 essentially measures five aspects: knowledge, skills, beliefs, attitude and the behaviour of the public relating to financial products and services. She said, based on a study conducted by OECD, the literacy rate in a country positively relates to the nation's level of prosperity.
The 2025 SNLIK survey was conducted between 22 January and 11 February 2025, in 34 provinces in Indonesia including 120 cities/regencies, and eight OJK Office areas.
The SNLIK survey data collection and processing was conducted by OJK Regional Offices and Statistics Indonesia? bureaux in each province to ensure the quality of data processing.
A total of 375 field data officers and 121 field inspection officers collected the data in the field, using computer assisted personal interviewing. Each field data officer was responsible for two to three census block areas and was assisted by a field inspection officer.
The 2025 SNLIK results, when arrived at, will shed light on the degree of financial literacy and inclusion among the public for the year 2024. Referring to the presidential decree number 114 of 2020 on the National Strategy of Inclusive Finances of Indonesia, the financial inclusion target in 2024 is expected to reach 90%.
To achieve this target, OJK has been holding financial literacy and inclusion programmes throughout the country and collaborated with stakeholders in banking, capital market, insurance, pension fund, financing, and associations.
Moreover, OJK and the regional governments have prepared and implemented financial inclusion programmes through the regional financial access acceleration teams. Overall, the objective of these programmes is to create a literate, educated, and protected community in Indonesia.