INDONESIA. QUICKSIGHTS REPORT FII TRACKER SURVEY Conducted August-November January 2015
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1 QUICKSIGHTS REPORT FII TRACKER SURVEY Cnducted August-Nvember 2014 January 2015
2 THE INDONESIA FII TRACKER SURVEY - DETAILS Survey summary Data cllected Annual, natinally representative survey (N=6,000) f Indnesian individuals aged 15+ Face-t-face interviews lasting n average, upwards f 75 minutes First survey (year 1) cnducted frm 8/3/2014 t 11/12/2014 Prvides baseline measurements; subsequent annual surveys will measure trends and track market develpments in DFS Basic demgraphics Pverty measurement (Grameen Prgress Out f Pverty Index) Access/use f mbile devices Access/use f mbile mney Access/use f frmal financial services (e.g., bank accunts) Access/use f semi-frmal and infrmal financial services (e.g., arisans (ROSCAs), cperatives) Financial literacy and preparedness Technical literacy
3 Survey demgraphics Demgraphic % f Survey (N=6,000) Male 49% Female 51% Urban 53% Rural 47% Abve the $2.50/day pverty line 36% Belw the $2.50/day pverty line 64% Ages % Ages % Ages % Ages % Ages % Figures are weighted t reflect natinal census data demgraphics. Surce: InterMedia Indnesia FII Tracker survey (N=6, ) August-Nvember 2014.
4 NOTABLE STATISTICS Indnesians use sme cmbinatin f banks and nnbank financial institutins (NBFIs) as a means t accessing financial services. They d nt use mbile mney. Nearly half (49%) f Indnesian adults have accessed financial services thrugh either a bank r NBFI. Seventeen percent have exclusively used banks, 20% have used NBFIs, and 12% have used bth. A cmbined 29% have used banks and clse t ne in fur (22%) are accunt hlders. One in five (19%) are active bank accunt hlders. Five percent f Indnesians have accunts with NBFIs such as rural credit banks and cperatives r venturas. Arisans are the mst widely used NBFI at 22%, but are nt an accunt-ffering medium fr accessing financial services. Bank, NBFI and cmbined users vary by gender, regin and incme levels. Thse wh have nly ever used banks are predminantly male, urban dwellers and thse living abve the pverty line. The demgraphics f NBFI-nly users are the ppsite f bank-nly users. They are predminantly female, rural dwellers and thse living belw the pverty line. Individuals having accessed bth banks and NBFIs are predminantly female, urban dwellers and thse living abve the pverty line. The NBFI-nly subgrup has the smallest gap between urban and rural use.
5 NOTABLE STATISTICS Financial activities f bank and arisan users are mstly basic uses. Mre than half f either grup had purchased grceries, paid bills, r made persn-t-persn transfers in the prir mnth. Active bank users were mre likely (9%) t have received gvernment benefits in the last mnth than were arisan users (7%). Indnesians are largely unaware f the cncept f mbile mney, and prviders. Only 3% knw what the cncept f mbile mney is. Just 6% f adult Indnesians have heard f at least ne mbile mney prvider, and mst f thse nly knw f ne f the marketplace prviders. Virtually n ne (<1%) is aware f mre than tw f the marketplace prviders. Amng thse aware, XL Tunai (38%) and T-Cash (37%) are the mst widely knwn prviders f mbile mney. E-Cash and Dmpetku are third and furth, respectively. Mass media, wrd-f-muth, and prvider-led targeted cmmunicatins are the primary drivers f mbile mney awareness. Nearly ne-quarter f the adult ppulatin has digital access t financial services; it is almst entirely thrugh banks. Ninety-six percent f thse with digital access t financial services nly have it thrugh banks. The majrity f active digital bank accunt hlders have access t ATMs and can transfer mney digitally. Frty-five percent can access their bank accunts thrugh mbile phnes r the internet.
6 Indnesian financial access is driven by traditinal banks and NBFIs, nt mbile mney Bank, mbile mney (MM) and nnbank financial institutin (NBFI)* access and use (Shwn: Percentage f Indnesian adults wh fall int each categry, N=6,000) Banks Mbile mney NBFIs 49% 29% 22% 19% 32% 27% 0.1% 0.1% 0.1% Ttal Access (ever used) Ever used a Bank accunt bank accunt hlders Active bank accunt hlders Ever used Registered mbile mney MM accunt hlders Active registered MM accunt hlders Ever used an NBFI Active use f NBFI *We recgnize that in the Indnesian cntext, less frmalized mdes f financial access (arisans, mney guards) are viewed as distinct frm mre frmalized institutins (pst ffices, pawn shps), and rural credit banks are yet anther categry, ften included in banks. Hwever, in this reprt these have all been included in the NBFI subgrup.
7 There are three streams f financial services cnsumers: bank, NBFI, and bth Thse wh have ever used banks, nnbank financial institutins, r bth (Percentage f Indnesian adults, N=6,000) Bank Only Bth NBFI Only Neither 17% 12% 20% 51% Urban 69% 70% 45% Rural 31% 30% 55% Male 59% 46% 42% Female Abve Pverty 41% 58% 54% 60% 58% 29% Belw Pverty 42% 40% 71%
8 Clse t ne in five Indnesian adults have active digital stred-value accunts; rural females and thse belw the pverty line lag Main FSP Indicatr % Base n Base Definitin Adults (15+) wh have active digital stred-value accunts 18 6,000 All adults Pr adults (15+) wh have active digital stred-value accunts 9 3,761 All pr Rural wmen (15+ ) wh have active digital stred-value accunts 8 1,712 All rural females Adults (15+) wh have active digital stred-value accunts and use them t access ther financial services (beynd basic wallet, P2P, and bill pay) Pr adults (15+) wh have active digital stred-value accunts and use them t access ther financial services (beynd basic wallet, P2P, and bill pay) Rural wmen (15+) wh have active digital stred-value accunts and use them t access ther financial services (beynd basic wallet, P2P, and bill pay) 11 6,000 All adults 5 3,761 All pr 4 1,712 All rural females
9 Awareness f mbile mney as a cncept is especially lw, driven by prvider knwledge Cncept awareness (Recgnize cncept f mbile mney) (Shwn: Percentage f Indnesian adults, N=6,000) Brand awareness (Recgnize at least ne mbile mney prvider) (Shwn: Percentage f Indnesian adults, N=6,000) 97% 3% Amng thse aware 100% are aware f at least ne mbile mney prvider 2% have used mbile mney 2% have registered mbile mney accunts 94% 6% Amng thse aware 48% are aware f the cncept f mbile mney 1% have used mbile mney 1% have registered mbile mney accunts Aware Unaware Aware Unaware Categries are nt mutually exclusive.
10 Urban and abve pverty individuals are mst likely t have heard f a mbile mney prvider Demgraphics f mbile-mney prvider awareness (Shwn: Percentage f Indnesian adults wh fall int each categry, N=6,000) 10% 8% 6% 6% 6% 3% 3% Ttal Ppulatin (N=6,000) Male (n=2,367) Female (n=3,633) Urban (n=3,160) Rural (n=2,840) Abve pverty line (n=2,239) Belw pverty line (n=3,761)
11 Mbile mney awareness cmes frm a cllectin f surces, including mass media, targeted cmmunicatins and wrd-f-muth Frm which surce f infrmatin did yu first learn abut this mbile mney service? Rank Tp 4 initial surces (% f individuals aware f a mbile mney prvider) % (n=309) 1 Televisin 31 2 Family and/r friends 21 3 Billbards 19 4 SMS alerts frm prviders 10 Questin allwed multiple respnses.
12 Cnsumer awareness des nt extend beynd ne prvider fr mst, even thugh multiple prviders exist in the marketplace Mbile-mney prvider awareness (Shwn: Percentage f Indnesians aware f at least ne mbile mney prvider, n=309) XL Tunai 38% T-Cash 37% E Cash Dmpetku M Cash 10% 24% 29% 71% f this grup is aware f just ne prvider. 19% are aware f tw. 10% are aware f mre than tw. G Cash 6% Other 2% Questin allwed multiple respnses.
13 Nearly tw-thirds f active bank accunt hlders have used their accunts t cnduct at least ne f a variety f advanced uses Basic Uses Advanced Uses Tp uses fr Active Bank accunts (n=1,100) Withdraw mney 91 Depsit mney 66 P2P transfers 32 Buy airtime 7 Save/set aside mney 36 Receive wages 32 Make Bank2Bank / Bank2FI/ Bank t MM transfer 23 Bill pay 10 Pay fr gds at a stre/shp 10 Lan activity 8 Insurance activity 6 Receive G2P payments 6 % 98% have used at least ne basic functin. 70% have used tw r mre. 64% have used at least ne basic functin. 37% have used tw r mre. Questin allwed multiple respnses.
14 Nearly ne-quarter f Indnesians can access a bank accunt digitally; the majrity are active accunt users Digital bank accunt access* (Ttal ppulatin, N=6,000) Methd f access (Shwn: Active digital bank accunt hlders, n=1,050) Have ATM/ debit card r credit card 99% 71% 24% Active digital accunt hlders (18%) use a variety f methds Can transfer mney digitally 60% 5% Can access bank via internet r mbile 45% *Questin allwed fr multiple respnses. * Digital bank accunts ffer at least ne f the fllwing ptins: debit/atm r credit cards, internet r mbile access, r a digital mney transfer capability.
15 Digital access t bank accunts is prevalent even in rural areas and amng belw-pverty ppulatins thrugh ATMs Demgraphics f active bank accunt hlders with digital access (Shwn: Percentage f active bank accunt hlders by demgraphic) 96% 90% 95% 93% 96% 91% 62% 57% 58% 62% 44% 44% 38% 44% 41% 46% 47% 35% Urban (n=813) Rural (n=237) Male (n=505) Female (n=545) Abve pverty (n=744) Belw pverty (n=306) ATM/Credit Card Digital Transfers Mbile/Internet
16 Arisans are the mst cmmnly used nnbank financial institutin; digital access is limited amng NBFIs Use f infrmal and nnbank financial institutins (Shwn: Percentage f Indnesian adults, N=6,000) Arisan r ther infrmal saving netwrk 22% Cperative (BMT, Credit Unin, KSP)/ Ventura Pawnshp 4% 6% Mney guard Pst ffice bank Rural credit bank Other 3% 3% 2% 2% 32% f adult Indnesians have used a nnbank financial institutin. 15% f individuals wh use institutins with ptential fr digital access f financial services (n=812) reprt having digital access. Mney lender Digital r recharge card (i.e. flazz, tll) unattached t a bank r MFI accunt 2% 0.3%
17 Bank accunt hlders wh als use NBFIs are mre apt t use digitally accessible NBFIs Use f infrmal and nnbank financial institutins (Shwn: Percentage f Indnesian adults t have ever used, n=2,055) Arisan 69% Frm f NBFI use by thse wh have ever used bth a bank and an NBFI (n=748) Arisan 63% Cperative / Ventura Pawn shp Mney guard 9% 12% 18% Cperative/Ventura Pawn shp Rural credit bank 16% 14% 21% Offer digital access t accunts Pst ffice bank 9% Other 8% Rural credit bank 7% Mney guard 8% Other 6% Pst ffice bank 7% Mney lender 5% Mney lender 5% Digital card (i.e. flazz, tll) unattached t a bank, MFI accunt 1.0% Digital card unattached t bank, MFI 2%
18 Arisan users financial behavirs resemble thse f bank accunt users and are fcused n basic services 15% are active arisan users but nt active bank accunt users 5% actively use bth 16% are active bank accunt users but nt active arisan users Five mst cmmn financial behavirs f active arisan, bank accunt users (Shwn: Percentage f active arisan users r bank accunt hlders t have engaged in a financial activity in the mnth prir t being interviewed) Rank Active Arisan Users (n=1,352) % Active Bank Accunt Users (n=1,289) % 1 Pay bills 91 Purchase grceries 83 2 Purchase grceries 83 Pay bills 80 3 Receive wages frm jb(s) 58 Purchase airtime 79 4 Make persn-t-persn (P2P) transfers 57 Withdraw mney frm an accunt 71 5 Purchase airtime 57 Receive wages 61 56% f active bank accunt users made P2P transfers in the previus mnth.
19 On average, Indnesians cnduct 10 financial activities a mnth; buying grceries, retail gds and bill pay are mst cmmn Indnesians financial activities in the previus mnth (Shwn: Percentage f Indnesian adults, N=6,000) Buy grceries Pay bills 81% 81% Purchase airtime 60% P2P 56% Receive wages frm primary r secndary jb Make a purchase at a retail stre Withdraw mney frm an accunt Depsit mney int an accunt Lan activities Receive benefits frm the gvernment (G2P) Insurance activities Make large acquisitins 13% 7% 3% 1% 24% 23% 42% 53% Persns reprting receiving gvernment benefits in the past mnth are predminantly rural (56%); age and gender are nt factrs. All have engaged in at least ne f these activities. 89% have engaged in three r mre. 71% have engaged in fur r mre. Questin allwed multiple respnses.
20 Twelve percent f adults receive gvernment benefits Recipients f gvernment benefits* (Shwn: Percentage f Indnesian adults, N=6,000) Gvernment benefits received by prgram* (Shwn: Percentage f adults receiving gvernment benefits, n=755) BLT 42% BSM 18% 12% BPJS Other 10% 9% 88% PKH PNPM Fertilizer subsidies 4% 7% 8% Nn-G2P recipients G2P recipients *Recipients may nt have picked up their benefits in the previus mnth explaining discrepancies between this and the previus slide. Questin allwed fr multiple respnses BLT: Bantuan Langsung Tunai BSM: Bantuan Siswa Miskin BPJS: Badan Penyenggara Jaminan Saial PKH: Prgram Keluarga Harapan PNPM: Prgram Nasinal Pemberdayaan Mandiri *Depending n the prgram, either an entire husehld r an individual is the beneficiary.
21 GLOSSARY OF TERMS Access - Access t a bank accunt r mbile mney accunt means a respndent can use bank/mbile mney services either via their wn accunt r via an accunt f anther persn. Active accunt hlder An individual wh has a registered DFS accunt and has used it in the last 90 days. Active user An individual wh has used any DFS fr any type f transactin in the past 90 days via his/her wn accunt r smebdy else s accunt. Adults with DFS Access Adults wh either wn a DFS accunt r have access t smene else s accunt. Arisan A rtating savings and credit assciatin (similar t a ROSCA). This is an infrmal structure whse members meet regularly. Each member cntributes the same amunt f mney when they meet and ne member takes the entire pt f mney, n a rtating basis. Belw the Pverty Line - In this particular study, adults living n less than $2.50 per day, as classified by the Grameen PPI. Digital financial services (DFS) Financial services that are prvided thrugh an electrnic platfrm (mbile phnes, electrnic cards, the internet, etc.). Fr this particular study, digital financial services include bank services and mbile mney services. Digital stred-value accunt (DSVA) An accunt in which funds r a mnetary value are represented in a digital electrnic frmat and can be retrieved/transferred by the wner f the accunt remtely. Fr this particular study, DSVAs include a bank card (debit r credit) and a mbile mney accunt. Financial inclusin Fr the purpses f this study, thse with a bank, nnbank financial institutin r registered mbile mney accunt that ffer a range f financial services beynd credit are cnsidered financially included. Grameen Prgress ut f Pverty Index (PPI) A pverty measurement tl frm the Grameen Fundatin wherein a set f cuntry-specific questins are used t cmpute the likelihd that a husehld is living belw the pverty line. Mbile mney (MM) A service in which a mbile phne is used t access financial services. Registered active user A persn with a registered DFS accunt that has used it in the last 90 days. Urban/rural Urban and rural persns are defined accrding t their residence in urban r rural areas as prescribed by the natinal bureau f statistics.
22 Fr mre infrmatin, cntact: Nat Kretchun, FII Asia Lead Caldwell Bishp, FII Prgram Assistant
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