In 2025, Indonesia has made notable strides in enhancing its financial literacy and inclusion, as evidenced by the latest data from the National Survey on Financial Literacy and Inclusion (SNLIK) conducted by the Financial Services Authority (OJK) and the Central Statistics Agency (BPS). The survey reveals that the financial literacy index has risen to 66.46%, while the financial inclusion index stands at 80.51%, marking significant improvements from previous years.

Progress in Financial Literacy and Inclusion

The upward trend in Indonesia's financial literacy index reflects the effectiveness of ongoing educational initiatives and policies aimed at improving financial awareness among citizens. The increase from 65.43% in 2024 to 66.46% in 2025 indicates a growing understanding of financial concepts and products among the population.

Similarly, the financial inclusion index has seen a rise from 75.02% in 2024 to 80.51% in 2025, suggesting that more Indonesians are gaining access to financial services. This progress aligns with the government's target of achieving a 90% financial inclusion rate by 2025.

Demographic Insights

The SNLIK 2025 provides detailed insights into financial literacy and inclusion across different demographics:

• Urban vs. Rural Areas: Urban residents exhibit higher financial literacy and inclusion rates (70.89% and 83.61%, respectively) compared to rural inhabitants (59.60% and 75.70%).
• Age Groups: Individuals aged 26-35 years show the highest financial literacy at 74%, followed closely by the 18-25 and 36-50 age groups. Conversely, the 15-17 and 51-79 age brackets have lower literacy rates, at 51.68% and 54.55%, respectively.

These findings highlight the need for targeted financial education programs to address gaps among specific age groups and rural communities.

Challenges and Future Directions

Despite the positive trends, challenges remain. The gap between financial literacy and inclusion suggests that while more people have access to financial services, not all possess the necessary knowledge to use them effectively. This disparity can lead to issues such as susceptibility to financial fraud or mismanagement of resources.

To address these challenges, the government and financial institutions are focusing on:

• Enhanced Financial Education: Implementing comprehensive financial literacy programs, especially in schools and rural areas, to build a strong foundation from an early age.
• Leveraging Technology: Utilizing fintech solutions to provide accessible and user-friendly financial services, thereby bridging the gap between literacy and inclusion.
• Policy Reforms: Developing policies that promote transparency and protect consumers, ensuring that increased access to financial services translates into positive outcomes.

These strategies aim to create a more financially informed and inclusive society, contributing to the broader goal of economic development and stability.