Medan — The 2026 National Survey on Financial Literacy and Inclusion (SNLIK) found that Indonesia’s financial literacy index reached 69.57 percent, while the financial inclusion index stood at 93.61 percent. The results were announced in August 2026 through a collaboration between the Financial Services Authority (OJK), the Indonesia Deposit Insurance Corporation (LPS), and Statistics Indonesia (BPS).
Compared with the 2025 survey, the financial literacy index increased from 66.64 percent to 69.57 percent. The financial inclusion index also rose, from 92.74 percent to 93.61 percent. The 2026 results exceeded the 2029 targets set in the 2025–2029 National Medium-Term Development Plan: 69.35 percent for literacy and 93 percent for inclusion.
The gap between the literacy and inclusion indices indicates that access to financial products and services is broader than people’s understanding of them. Therefore, expanding access should go hand in hand with education about benefits, costs, risks, consumer rights, and responsible use of financial services.

For university students and young people, financial literacy is essential to managing income, preparing budgets, understanding financial products, and recognizing fraud risks and poor financial decisions. Higher education institutions can contribute through teaching, research, and educational initiatives that encourage informed financial choices.
The 2026 survey findings provide material for academic discussion on the quality of financial inclusion in Indonesia, the effectiveness of financial education, and strategies to expand safe financial services that meet people’s needs.
This topic supports SDG 4 (Quality Education) by strengthening financial knowledge and skills, SDG 8 (Decent Work and Economic Growth) by improving people’s ability to manage economic resources, and SDG 10 (Reduced Inequalities) by highlighting more inclusive access to financial services.
Badan Pusat Statistik, hasil SNLIK 2026, 22 Agustus 2026: https://www.bps.go.id/id/news/2026/08/22/936/indeks-literasi-dan-inklusi-keuangan-masyarakat-meningkat--ojk--lps--dan-bps-umumkan--hasil-survei-nasional-literasi-dan-inklusi-keuangan--snlik--tahun-2026.html