Indonesia

Despite a reverse gender gap in financial account ownership in Indonesia, the number of women who actively use their financial accounts decreased, and mobile account ownership remains low for men and women.

Gap in Financial
Account Ownership
(%)

The gap between men and women owning financial accounts in this income quintile has slightly decreased from 2014 to 2017. 37% of women owned a financial account compared to 40% of men in 2017, resulting in a 3% gap.

Financial Account
Active (%)

Borrowing Activity (%)
In 2017, 17% of women in this income quintile actively use their financial account, a decrease from the 24% of women in 2014.

Financial Account
Inactive (%)

Borrowing Activity (%)
The number of women in this income quintile who did not use their financial account in the preceding 12 months significantly increased from 2014 (2%) to 2017 (19%). 13% of these women did not access formal or informal loans.

No Financial Account
(%)

Borrowing Activity (%)
In 2011, 85% of women did not have access to a financial account, in 2017 that number has decreased to 63%. 39% of these women did not access formal or informal loans, and 20% accessed informal loans.

Gap in Mobile
Phone Ownership
(%)

There was a reverse gender gap (-3%) in mobile phone ownership in 2017. 72% of men in this income quintile owned a mobile phone compared to 75% of women.

Total
Population
(MM)

The Indonesia population has increased since 2011, with a total of 265MM in 2017. 50% of the population are women, 50% are men.

Gap in Financial
Account Ownership
(%)

There was a reverse gender gap (-5%) in financial account ownership in 2017. 51% of this share of women owned financial accounts compared to 46% of the share of men.

Financial Account
Active (%)

Borrowing Activity (%)
Despite the reverse gender gap in financial account ownership, the number of women who actively use their financial accounts decreased from 2014 (32%) to 2017 (28%). 12% of the share of women have not accessed formal or informal loans, and 13% have accessed informal loans.

Financial Account
Inactive (%)

Borrowing Activity (%)
The share of women who have not used their financial accounts in the preceding 12 months significantly increased from 2014 (5%) to 2017 (23%). 11% have not accessed formal or informal loans, and 10% accessed informal loans.

No Financial Account
(%)

Borrowing Activity (%)
The share of women who have no access to a financial account decreased significantly from 2011 (81%) to 2017 (49%). Even though they do not have access to financial accounts, 18% have made use of informal loans.

Gap in Mobile
Phone Ownership
(%)

There is a small reverse gender gap in mobile phone ownership in 2017, with 77% of women owning a phone compared to 76% of men.

Gap in Mobile
Account Usage
(%)

Mobile account usage remained low for both men (0.23%) and women (0.66%) in 2017.