M. Rizki Yusrial, Jakarta – Coordinating Minister for Economic Affairs Airlangga Hartarto said around 11 percent of Indonesians lack access to banking services. According to him, the government, in its attempt to achieve financial inclusion, is intensifying efforts to improve public access to formal financial services.

Airlangga claimed that banking account ownership and usage as well as financial literacy in Indonesia mark a positive trend thus far, with over 89 percent of Indonesians enjoy banking services. "Several regions are doing well in terms of spatial aspects, except for areas like North Maluku and Halmahera," said Airlangga in an official statement quoted on Monday, March 24, 2025.

By 2023, the percentage of adults with formal financial accounts reached 76.3 percent. Meanwhile, the percentage of adults using formal financial accounts reached 88.7 percent. In the National Medium-Term Development Plan or RPJMN, the government aims to achieve an account usage rate of 91 percent by 2025 and 93 percent by 2029.

Financial literacy, however, only amounted to 65.4 percent, albeit an increase from the previous year's 49.7 percent.

"There are still some socio-economic groups that have yet to substantially access formal financial services. There is a significant gap between the level of financial inclusion in urban communities at 91.5 percent and rural communities at 84.8 percent. Nevertheless, there are no significant differences based on gender and age demographics," said Airlangga.

The former chair of the Golkar Party explained that the government has a National Strategy for Financial Inclusion (SNKI) as a comprehensive framework in efforts to boost public access to financial services, stimulate economic growth, and reduce disparities. Going forward, Airlangga stated that the government will continue to promote financial inclusion so that the public can utilize bank accounts and understand investment risks.

One of the target groups for financial inclusion is low-income communities. In addition, the targets also include micro, small, and medium-sized businesses (MSMEs), as well as cross-community groups such as students, university students, Islamic boarding school students, and youths. Furthermore, financial inclusion will also target migrant workers, social welfare problem groups, ex-convicts, neglected children, people with disabilities, communities in 3T areas, and women's groups.

Source: https://en.tempo.co/read/1990022/minister-says-11-of-indonesians-lack-access-to-banking-service