Financial Education

The results of the National Survey of Financial Literacy and Inclusion (SNLIK) which was held by the Financial Services Authority (OJK) in 2022 showed that the financial literacy index of Indonesian society was 49.68 percent, an increase compared to 2019, which was 38.03 percent. Meanwhile, the financial inclusion index reached 85.10 percent, an increase compared to the previous period in 2019, namely 76.19 percent. This shows that the Indonesian people in general do not properly understand the characteristics of using financial products and services.


Financial literacy itself is an important skill in the context of community empowerment, individual welfare, consumer protection, and increasing financial inclusion. To realize an inclusive financial system.

Bank BTPN is committed to implementing its vision and mission in order to improve the quality of life of the Indonesian people, which is realized through activities to increase financial literacy for customers and the community. In 2021, the Financial Services Authority (OJK) also launched the National Strategy for Indonesian Financial Literacy (SNLKI) 2021 – 2025. The SNLKI will be a guide for implementing financial literacy activities for the next 5 year period.


The 2021-2025 SNLKI was also prepared to encourage the 2024 financial inclusion target of 90 percent, and is based on Presidential Regulation number 114 of 2020 concerning the national inclusive financial strategy, as well as the second pillar of the Indonesian Financial Services sector master plan.

Bank BTPN believes that customers not only need access to finance and financing, but also to increase their personal capacity so they can grow and have a more meaningful life. To support customers, Bank BTPN designed a comprehensive empowerment program, including activities to increase financial literacy for customers and the community which aims to:

  • improving the quality of individual financial decision making; And

  • changes in individual attitudes and behavior in financial management for the better, so that they are able to determine and utilize institutions, products and financial services that suit the needs and abilities of consumers and/or society in order to achieve prosperity

Regarding financial literacy, financial service institutions are invited to play a role and support efforts to achieve the Sustainable Development Goals/SDGs (Sustainable Development Goals). In an effort to achieve the SDGs, Bank BTPN takes responsibility for educating the public through activities to increase financial literacy. The Sustainable Development Goals targets that are expected to be achieved by implementing activities to increase financial literacy are specifically number 4 (Quality Education), 8 (Decent Work and Economic Growth), 10 (Reducing Inequality), 17 (Partnerships for Achieving goals).

Until the end of 2022, the number of participants in activities to increase financial literacy was 558,185 people with a total of 161 activities.

The types of activities to increase financial literacy that have been carried out are in the form of:

  1. Seminar/ workshop/ talk show/ Financial Class (Jenius Co.create)

  2. Education through articles on the Daya.id website and www.jenius.com

  3. Education via social media (Instagram, Twitter, TikTok, Facebook, Youtube)

So far Bank BTPN has carried out activities to increase financial literacy which discuss the following topics:

  • Product and/or service characteristics include: description, benefits, risks, costs, rights and obligations, how to access

  • Financial management; And

  • Taxation related to products and/or services

  • And other financial topics