litearsi keuangan di indonesia-final

8/20/2019 Litearsi Keuangan Di Indonesia-Final

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Sumber: Kusumaningtuti S.Soetiono

Komisioner OJK


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2


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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+, -.+,


!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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+

Financial Literacy level or micro4entre&reneur5 6ic6 is re&resented by inormal or$er

Selected Key Survey Findings (2)

Financial Literacy level amongst Students


!ar$et 'nsurance

Financing

com&anies

ension

Funds an

Literacy 1-.*, 1-., 1.*, 11.*2, .2, 3.+, *.*,

0tility -3.3+, -.+, .+, *.+2, -.31, .+, +./,


!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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-

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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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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litearsi keuangan di indonesia-final

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