litearsi keuangan di indonesia-final
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8/20/2019 Litearsi Keuangan Di Indonesia-Final
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Sumber: Kusumaningtuti S.Soetiono
Komisioner OJK
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INDONESIAFINANCIALSERVICESAUTHORITY
3
Selected Key Survey Findings
(1)Financial Literacy level amongst omen
Financial Literacy Level amongst !en
"ggregate #an$ %a&ital
!ar$et
'nsurance Financing
com&anies
ension
Funds
an
Literacy 1*.*+, 1*.*+, 2.**, 1-.-2, .1-, -./*, 12.1,
0tility -.-, -+.2, .1, /.*, 3.*, 1.1+, -.+,
"ggregate #an$ %a&ital
!ar$et
'nsurance Financing
com&anies
ension
Funds
an
Literacy 2+.*, 2+.*, +.1, 2.1/, 12.+/, *.2*, 1.2,
0tility 2.*, -/.*, .13, 13.*, /.2, 1./1, -.+,
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INDONESIAFINANCIALSERVICESAUTHORITY
+
Financial Literacy level or micro4entre&reneur5 6ic6 is re&resented by inormal or$er
Selected Key Survey Findings (2)
Financial Literacy level amongst Students
"ggregate #an$ %a&ital
!ar$et 'nsurance
Financing
com&anies
ension
Funds an
Literacy 1-.*, 1-., 1.*, 11.*2, .2, 3.+, *.*,
0tility -3.3+, -.+, .+, *.+2, -.31, .+, +./,
"ggregate #an$ %a&ital
!ar$et 'nsurance Financing
com&anies
ension
Funds an
Literacy 2*.2*, 2*.2*, 3.1*, 22.2*, *.1, -.2, 1-./2,
0tility ++.1, +3.+-, , +.+/, 1.*, , .-,
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INDONESIAFINANCIALSERVICESAUTHORITY
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Financial Literacy amongst 7etirees
Selected Key Survey Findings (3)
Financial Literacy in 7ural vs %ity areas
"ggregat e #an$ %a&ital
!ar$et
'nsurance Financing
com&anies
ension
Funds
an
Literacy 3-.-+, 3-.-+, /./, 33.**, 1.-3, 33.**, 23./,
0tility *.1, +.3*, 32.2, 23.1+, 1.-, +.11, ,
7egion "ggregate #an$ %a&ital
!ar$et
'nsurance Financing
com&anies
ension
Funds
an
7ural Literacy 1., 1.2, 1.+1, 12.3+, -./*, 3.1, 1.,
0tility -+.-/, -2./1, , *., -.-, 1., +.2-,
%ity Literacy 2., 2.+, -./, 22.2, 13.1/, 1.+, 1*.+,
0tility +.31, 1.1-, .21, 1+.-1, .-, 1./3, -.3,
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INDONESIAFINANCIALSERVICESAUTHORITY
Financial Literacy based on e8&enditure level
A ≥ US$145.83
B US$104.17 – US$
145.83 C US$50 –104.17
D US$33.33 –US$50 E ≤US$33.33
Selected Key Survey Findings (+)
98&enditure Level "ggregate #an$ %a&ital
!ar$et
'nsurance Financing
com&anies
ension
Funds
an
" Literacy +.3-, +.3-, 1*.*2, +3.-3, 2/.1*, 2.12, 3./+,
0tility *.2/, *.-/, 1.1*, 3/.-3, 2.1, .*2, /.-,
# Literacy 3-.-*, 3-.-*, /.2, 31., 1/.*2, 1-.3, 2./+,0tility .2, +.-/, .13, 2-.1, 12.-*, 2./2, *.,
% Literacy 23.3, 22./-, 3.++, 1*.*, 1.33, .2, 1-.1/,
0tility /.-/, .+1, ./, 12.*-, ./, 1.+*, .2,
Literacy 1-.1, 1-.1, 1.1, 11.3, +./+, 3.1, /.+,
0tility -.3, +./+, , -.3+, 1./3, ., 3.+,
9 Literacy 13./, 13./, .3, /., 3., 1./, ./,
0tility 3.1+, 2*.-3, , 2.1/, .-/, .++, 1.2+,
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TheIn!"#% 1 &'('#' C)*+)",#e Ine-&CI/
8
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TheIn!"#%
2 C)*+. #) Re,)n'In,2e"
3 O2#)e
013
GDP 2012: USD 749,26
Billion
3C)*+',")n #)6D
Figures in BillionUSD
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TheIn!"#%
+ F)e,n Ne#In9):
- L,"#eC)*+'n,e"
Figures in MillionUSD
1
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Chnges in !n"o#e
!n"rese in $i%e&'(e")n"*
1
2
+ Co#(le'i)* o% Finn"ilProu")s
4 -he &'is)en"e o% n !llegl!n.es)#en)
1
- $o/ $e.el o% Finn"il$i)er"*
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Chnges in!n"o#e
1
1oune )o )he neres) .e #illion2Consu#ing "lss ene s ini.iuls /i)h n nnul ne) in"o#e o% 3o.e +5600 ) 200 (ur"hsing (o/er (ri)* PPP+Bse on nnul GDP gro/)h o% 3e)/een 8n 68
Source: McKinsey Global Institute, September 2012
n es)i#)e 90 Million
!nonesins "oul oin )he"onsu#ing "lss 3* 20+0
u#( o% 90 Million"onsu#ers /oul 3e )helrges) in"rese e'(e")e in
n* "oun)r* in )he /orl(r) %ro# Chin n !ni
1
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!n"rese in $i%e&'(e")n"*
2
!n !nonesi, li%e
e'(e")n"* ) 3ir)hin"rese %ro# +7*ers in 190 )o 69*ers in 2010, n ise'(e")e )o rise )o 7;*ers 3* 2005
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-he Co#(le'i)* o% Finn"ilProu")s
3
1
Cor(or)e
BonCll3leBon
Bons
Go.er#en)
BonCon.er)i3leBon
2
Pri.)e
&=ui)*sse) B">eSe"
Mu)ulFun
Pro)e")eFun&! -s
&-F
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-he &'is)en"e o% n !llegl!n.es)#en)
+
)n;, S2he*e
“non-sustainable
business model thatinvolves theechan!e o" money primarily "or enrollin!other people into thescheme, usually#ithout any productor service bein!delivered$
?n @ ug 201+;9 !llegl !ns)i)u)ions+0 Aues)Co#(lin)s
regring !llegl!n.es)#en) 1
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$o/ $e.el o% Finn"il$i)er"*
-
=HY .....
C'+,#' >'(e#
T)) C)*+,2'#e? 78@
H,h +)#en#,' ) '!? 70@
>!#!' F!n"
D)n# (n): en)!h ')!# ,# ?78@
T)) C)*+,2'#e?
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B'"e,ne F,n'n2,'
L,#e'2% S!e%C'+,#' >'(e#
U)ili)s
0,118
)ull report #ill be launched 1*+ovember 201
1
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V,",)n
Su((or) )he reli)ion o% /ell li)er)e so"ie)* nin"rese )he use o% nn"il (rou")s )o i#(ro.e )he/el%re o% )he "o##uni)*5
1.INCLUSIVE
. SYSTE>ATICAND>EASURABLE
3. EASYACCESS
4.COLLABORATION
!n"luellseg#en)
s o%so"ie)*
Deli.ere in (rogr##e, es*
)o uners)n,si#(le, n "n3e #esure5
!n.ol.ells)>eholers
ies(re)hroughou)
!nonesi n""essi3le5
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Not /
Less
Literate
Society
Well
Literate
Society
Current
ConditionGoal
C)')'#,)n :,#hS#'(eh)e"
The B!e
,n#
1"#,'
n,'
3,'
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1
2
!n"rese )he /reness,>no/lege n s>ills 3ou)nn"il (rou")s n ser.i"es
Chnging )he #inse) n3eh.ior o% nn"il ")i.i)ies
3 !n"rese )he usge o% nn"il(rou")s n ser.i"es
6OALS
&u")ion n E)ionlC#(ign
1st illar
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1
2
S)reng)hen n su((or) )heeu")ion nn)ionl "#(ign
&'(n n %"ili))e ""ess )o
nn"ilin%or#)ion
3 &nsure )he sus)in3ili)* o%nn"il li)er"* (rogr#
6OALS
S)reng)hening )he!n%rs)u")ure
2nd illar
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1
2
&n"ourge Finn"il !ns)i)u)ions
)o e.elo( (rou")s n ser.i"es)h) 3es) sui) )he nees o% )he"o##uni)*&n"ourge Finn"il !ns)i)u)ions
)o i#(ro.e)he =uli)* o% ser.i"es
3 &n"ourge Finn"il !ns)i)u)ions)o e'(n )he nn"il ser.i"es
re5
6OALS
De.elo(#en) o% Finn"il Prou")sn Ser.i"es
3rd illar
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