Policy Note on Women’s Financial Inclusion in Indonesia

Indonesia continues to advance financial inclusion, with the 2025 National Survey on Financial Literacy and Inclusion (SNLIK) showing 80% of men and women now accessing formal financial services. Yet this parity masks structural gaps: women’s financial literacy stands at 65% versus 67% for men, and rates among informal workers and homemakers remain far lower.

To support Indonesia’s role in the G20 dialogue on women’s financial inclusion, the Ministry of Women’s Empowerment and Child Protection (MoWECP) appointed MSC to develop a policy note for the G20 2025 Summit. Building on the 2024 G20 shift toward financial health and well-being, the note moves beyond access to focus on outcome-driven indicators that strengthen women’s resilience and long-term stability.

This policy note presents strategic recommendations to advance women’s financial inclusion in Indonesia and improve their financial health and well-being. The note outlines Indonesia’s progress, identifies persistent inclusion gaps, and highlights avenues for international collaboration, especially within the G20 platform.