Gali Perkembangan Indeks Literasi dan Inklusi Keuangan
Otoritas Jasa Keuangan (OJK) dan Badan Pusat Statistik (BPS) merilis hasil survei nasional literasi dan inklusi keuangan tahun 2024. Hasil survei menunjukkan indeks literasi keuangan masyarakat Indonesia mencapai 65,43% sedangkan indeks inklusi keuangan diangka 75,02%.
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00:00IDX First Session Closing
00:05Back with us in IDX First Session Closing
00:08The Financial Services Authority and the Central Statistical Body
00:11released the results of the National Financial Literacy and Inclusion Survey in 2024
00:16The survey shows that the Indonesian Financial Literacy Index reached 65.43%
00:22while the Financial Inclusion Index reached 75.02%
00:27IDX First Session Closing
00:29The Financial Services Authority and the Central Statistical Body
00:32released the results of the National Financial Literacy and Inclusion Survey in 2024
00:37In the PERS-PELT Conference, Head of the BPS Amalia Adiningar was announced
00:41Based on the results of the 2024 survey, the Indonesian Financial Literacy Index reached 65.43%
00:48while the Financial Inclusion Index was recorded at 75.02%
00:53To put it simply, the results of the survey show that 65.43% of the Indonesian population
00:58have met the criteria for financial literacy
01:01and 75.02% of the population have access to financial products and services
01:06The Financial Literacy and Financial Inclusion Index for 2023
01:13based on the results of the 2024 survey
01:17shows that the Financial Literacy Index reached 65.43%
01:26while the Financial Inclusion Index reached 75.02%
01:33So, 65.43% of the Indonesian population have met the criteria for financial literacy
01:42and 75.02% of the Indonesian population have access to financial products and services
01:56The Financial Literacy and Financial Inclusion Index for 2023
02:00is higher than the Financial Services Authority
02:02For example, the Financial Literacy and Financial Inclusion Index is 65.08% and 73.55%
02:11while the Financial Literacy and Financial Inclusion Index is 39.11% and 12.88%
02:26The National Financial Literacy and Financial Inclusion Survey for 2024
02:30shows that the Indonesian Financial Literacy Index reached 65.43%
02:36while the Financial Inclusion Index reached 75.02%
02:40as stated by the OJK and BPS
02:45The National Financial Literacy and Financial Inclusion Survey for 2024
02:49uses financial literacy parameters
02:53based on knowledge, skills, confidence, attitude, and behavior
02:58while the Financial Inclusion Index
03:00uses usage parameters for financial products and services
03:05This usage parameter is called according to the indicator used in OECD
03:10or INFE, International Survey of Financial Literacy
03:15The results of the National Financial Literacy and Financial Inclusion Survey for 2024
03:18based on the classification mentioned by the OJK and BPS
03:21where the Financial Literacy and Financial Inclusion Index in urban areas
03:26is higher than in rural areas
03:29where the Financial Literacy and Financial Inclusion Index in urban areas is 69.71%
03:35and the Financial Literacy and Financial Inclusion Index in rural areas is 59.25%
03:40Based on gender, the survey shows that
03:44the Financial Literacy and Financial Inclusion Index in women is higher
03:47than the Financial Literacy and Financial Inclusion Index in men
03:50which is 66.75% and 64.14%
03:57On the other hand, the Financial Literacy and Financial Inclusion Index in women is higher
04:02than the Financial Literacy and Financial Inclusion Index in men
04:04which is 76.08% and 73.97%
04:10The Financial Literacy and Financial Inclusion Index by the OJK
04:13shows that various factors affect access to financial services
04:19such as education, public welfare, and infrastructure
04:24Meanwhile, the government continues to pursue the financial inclusion target of 90%
04:30which can be achieved in 2024 with various efforts
04:35So, what are the government's efforts in this matter?
04:38Let's take a look at the information
04:43In the opening of the Indonesian Digital Finance and Creative Arts Economic Festival
04:48the Minister of Finance and Finance Coordinator of the Ministry of Finance and Finance
04:51has ensured that the government will continue to cooperate with various components
04:55in launching various programs to achieve the target of 90% financial inclusion in 2024
05:01One of the programs that continues to be strengthened is the Malucuris digital financing program
05:07The government continues to increase financial inclusion such as QR code
05:13which is supported by the National Institute of Financial Inclusion
05:17and collaboration with third parties such as Strive with Mastercard
05:22Promise to Impact with ILO
05:25and various programs that will be delivered later by Governor PI
05:29who cooperates with the OJK and the industry
05:33Indonesia itself is of course no stranger to Curis
05:36where Curis is a QR code standard
05:39which is used by all payment system providers in Indonesia
05:43Curis itself aims to facilitate transactions
05:46both for sellers or merchants and consumers
05:49Curis is a store or merchant that receives transaction payments using QR code
05:54only need to install one QR code to accept transaction payments
05:58while the consumer does not need to bother to make payments
06:02because it is enough by only moving Curis which is already available in the store or related merchant
06:07covered by IDX
06:13It turns out that Curis itself is also a support tool
06:16to pursue financial inclusion targets in Indonesia
06:19where Indonesia itself continues to accelerate the transformation of the payment system
06:24in line with the growth of digital payment
06:27which reached 123% in the last five years
06:32One of the digital payments initiated by BI
06:35namely Curis or Quick Response Code Indonesian Standard
06:39which is now a popular payment technology in Indonesia
06:42I'm sure you're not a stranger or have been using Curis every day
06:47Proven with the presence of Curis as a digital payment
06:50Indonesia Bank notes that per June 2024
06:53Curis users have reached 50.5 million users
06:57and is targeted to reach 55 million users this year
07:02Currently, the number of merchants using Curis has reached 32.7 million
07:07where 95% of Curis merchants are MSMEs
07:10Indonesia Bank further explains
07:12Curis was originally a payment facility
07:14but unknowingly, Curis has been used as a financial inclusion tool in Indonesia
07:21Meanwhile, the most recent business, Quick Response Code Indonesian Standard or Curis
07:26now has a new variation
07:28that is by using technology based on Tap Near Field Communication or TAP NFC
07:34This NFC technology has been found in electronic cards or e-money
07:39However, Curis TAP NFC is still in the early stages
07:43so we still can't use it
07:45to just tap without moving from your mobile phone or gadget
07:50to be able to directly make payments
07:52Nevertheless, this indicates that there will be other major innovations
07:56in the payment system in Indonesia
08:00In an effort to achieve an inclusive and high target of financial literacy index in Indonesia
08:06OJK reveals the irony that happens in the middle of society
08:09especially with the people trapped in illegal financial activities
08:13And to be more clear about this, let's see the complete information
08:21The Financial Services Authority says
08:23although the Indonesian Financial Literacy Index is high
08:26unfortunately, the practice of illegal financial entities is still active
08:30Because of its high literacy, it turns out to be defeated by greedy or surrogate actors
08:35and instant actors in society
08:38There is also the results of the National Literacy and Financial Inclusion Survey 2024 shown
08:43The financial literacy index reached 65.43%
08:47and the financial inclusion index was 75.02%
08:52Even so, the level of understanding about finance is still defeated by instant or greedy actors
08:59Therefore, OJK states that the effort to eradicate illegal financial entities must be done in a collaborative way
09:05Not only the strengthening of literacy or financial understanding
09:08but also the strengthening of legal regulation and enforcement
09:12But the level of understanding of the people is actually quite high
09:16it is often defeated by the behavior caused by greed
09:24and instant or surrogate actors
09:27For example, if you are taught to invest slowly and slowly
09:32but for the future
09:34it is often defeated by the behavior of people who want it fast, instant
09:39and also want it bigger and bigger and so on
09:43Therefore, what we do, of course, cannot only strengthen literacy and financial security
09:52which is very important and we must do it
09:54but it must also be combined with the strengthening of legal regulation and enforcement
09:59and must be done in a collaborative way by all parties
10:04According to the OJK report in January to July 31, 2024
10:0910,104 complaints of illegal entities were reported
10:139,596 complaints of illegal online loans
10:17and 508 complaints of illegal investment
10:21while the number of illegal entities that have been stopped or blocked
10:25as many as 149 illegal investments and 1,591 illegal loans
10:31covered by IDXU
10:41Yes, of course, this is a pity
10:43in the middle of the high literacy in Indonesia
10:46there are many of us who are still trapped in illegal financial activities
10:52because the OJK itself says that we can be literate digitally
10:58but not financially literate
11:01so the information or facilities offered out there
11:06cannot be filtered or filtered
11:08so in the end we have to be trapped in illegal financial activities
11:12Meanwhile, related to the OJK's efforts to improve the quality of financial literacy in Indonesia
11:17the OJK reported that it has implemented more than 1,700 financial education activities
11:22which reach more than 3 million people in Indonesia
11:25This is supported by the massive publication of financial education on minisites
11:29and application of Sikap Uangmu and access module learning management
11:35The OJK continues to increase in financial literacy
11:38This is supported by the strengthening of the financial inclusion program
11:41through synergy with various parties
11:43with the Regional Access Acceleration Team or TPAKD
11:48The number of TPAKD in July 2024 is 530
11:52or about 96% of the total area in Indonesia
11:57This year's OJK held financial literacy and inclusion activities
12:01among others, socialization and education to elementary and high school students
12:06the Desaku Cakap Keuangan program
12:08financial education to fishermen in East Belitung regency
12:12This effort is part of the OJK's efforts to improve people's understanding
12:15related to financial products and services
12:17through subsidies to village organizations and the surrounding communities
12:23Of course, we have to appreciate and be grateful
12:26if the level of literacy and financial inclusion in Indonesia is already quite high
12:31However, we have to pay attention to the quality of literate people
12:36and people who are already inclusive in the financial sector
12:40whether this can be improved further
12:42so that everyone can understand well including the consequences of the law
12:47if in the end there are things that are violated
12:50especially for financial services providers
12:52or from the people themselves
12:54who may already know but still need to be done
12:57to access financial services
13:01And that's all the information in this segment
13:03Make sure you are still with us in IDX First Session Closing