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release Discovering Financial Literacy in Indonesia

Exploring Financial Posts of Gen Z, Millennials, & Gen X: From Installments to Investments

Talking about finance can be tricky. People like to discuss buying things on credit, but not how to pay for them. However, when it comes to important things like education or retirement, many admit that money is still a problem.

Jakpat and Lintar Financial surveyed to find out the level of financial literacy. The report, which involved 1295 respondents, shows what credit they had, financial class participation, and future plans.

 

Installments, financial allocation, and future-readiness

In general, most respondents do not have credit, dominated by Gen Z (70%) and Gen X (60%). Meanwhile, 45% of Millennials have credit cards such as credit cards (CC), Non-Collateral Financing (KTA), and vehicle loans. More specifically, 3 out of 10 people have CC/KTA installments below IDR 500 thousand per month. As many as 32% of men and 14% of women have CC/KTA installments of IDR 1-1.25 million.

Meanwhile, 40% of respondents have vehicle installments of IDR 500 thousand-1 million, which are dominated by Gen Z and Gen X. Most Millennials have vehicle installments of IDR 1-1.25 million.

In addition to installments, other financial posts are also considered. As many as 63% of respondents allocate income per month to saving. Meanwhile, 27% made investments and 17% set aside money for insurance. In more detail, 4 out of 10 people save a nominal amount of less than IDR 500 thousand per month. Only 10% can save above IDR 2.5 million.

Then, as many as 70% of respondents invest below IDR 1 million per month. As many as 9% of respondents admitted to investing in an amount above IDR 5 million.

“Based on our study, Gen Z’s awareness of allocating money for investment, savings, and insurance is still lower than other groups. This may be due to lower income and lack of experience in managing finances. Moreover, they also have installments such as vehicle installments, so education about financial allocation needs to be improved,” said Jakpat Lead Researcher, Farida Hasna.

When it comes to preparing for the future, the percentage of getting married (59%) and having a family (64%) is almost double that of pursuing higher education (28%) and funding retirement (37%). This is applied to both genders.

In detail, 2 out of 3 men are ready to start a family and only a quarter of women are financially ready to pursue higher education.

 

Financial literacy

Three out of 10 people claimed to be skillful in managing their finances, meaning they can set aside funds for certain expenses. This figure is in line with participation in finance classes. Only 19% of respondents admitted to having taken finance classes. This means that there are still many Indonesian people who have not been educated about the importance of financial planning in their daily lives, which has a big impact if they are not ready to face bad financial conditions.

“One of the important financial plans is the preparation of pension funds. Although the majority of Gen Z and Millennials admit that they are not ready to retire, the fact is that as many as 56% of Generation X who are more mature also feel that they are not ready to retire. This shows the need for more intensive financial education,” said Hasna.

 

Get the details on our report here.

banner Discovering Financial Literacy in Indonesia - 2024 Jakpat Survey Report

Discovering Financial Literacy in Indonesia

Nowadays, people may casually talk about how easy it is to buy or own goods by credit, but not with repayment plans or long-term financial pledges. Ironically, when the need to manage money is put into life-stage commitments such as higher education, marriage, or pension; people shily admit that money is still a problem.

Thus, Jakpat and Lintar Financial surveyed 1295 respondents in Indonesia to capture the level of financial literacy among the public regarding used credit facilities, joining financial classes, and future planning.

Key research points:

  • To find out the used loan facilities
  • To find out financial allocations
  • To find out future planning

Here are some previews of the report:

1 Table of Contents - Discovering Financial Literacy in Indonesia - 2024 Jakpat Survey Report

2 Financial Skill - Discovering Financial Literacy in Indonesia - 2024 Jakpat Survey Report

3 Future Plan - Discovering Financial Literacy in Indonesia - 2024 Jakpat Survey Report

Complete Report Can Be Downloaded Below

Want to Run A Survey?

or Email Us at partner@jakpat.net

Canva.com/Jakpat

84% Masyarakat Sudah Mantap Dengan Pilihan Capres-Cawapres Mereka

Menjelang Pemilu 2024, masyarakat Indonesia banyak terpapar konten politik di media sosial. Mulai dari visi dan misi capres-cawapres, isu-isu politik, kampanye, hasil debat, opini public figure, hingga meme politik. Hal ini bisa menjadi tambahan referensi masyarakat dalam menilai dan mengevaluasi dari berbagai sudut pandang untuk menyakinkan pilihannya saat pemilu nanti.

Jakpat melakukan survei untuk mengetahui pandangan responden terhadap kampanye politik saat ini, khususnya mengenai konten politik di media sosial, mengidentifikasi konten hoaks, visi dan misi kandidat, hingga keputusan memilih. Survei yang melibatkan 1099 responden ini juga bertujuan untuk mengetahui preferensi politik responden secara netral tanpa memiliki asosiasi atau mendukung partai politik tertentu.

Hasil survei menunjukkan 58% responden mengutarakan pendapatnya mengenai pilihan capres dan cawapres secara langsung atau offline, seperti diskusi dengan teman sebaya, rekan kerja, atau keluarga. Selain itu, 27% responden juga menyampaikan pendapat melalui media daring, terutama bagi Gen Z (29%).

Sedangkan, 30% yang tidak mengutarakan pendapatnya baik secara online maupun offline berpendapat jika masalah privasi (72%) menjadi alasan utama mereka tidak mau membahas mengenai capres dan cawapres pilihannya.

Mengidentifikasi Konten Hoaks

Konten hoaks merupakan informasi palsu atau bohong dalam upaya memutarbalikkan fakta yang dibuat dengan sengaja, dalam hal ini mengarah pada berita negatif. Jika dilihat dari frekuensinya, 37% responden jarang menjumpai konten hoaks. Meskipun begitu, 19% responden lainnya merasa sangat sering mendapatkan konten tersebut.

Tiktok menjadi platform yang paling banyak ditemukannya konten hoaks menurut Gen Z (75%) dan Milenial (58%), sedangkan bagi Gen X biasanya menemukan konten tersebut di Facebook (57%).

Kemampuan dalam mengidentifikasi konten hoaks, membuat responden tidak terpengaruh dalam menentukan pilihannya.Karena itu, 57% memilih tidak menghiraukannya atau skip konten/akun yang dianggap hoaks.

Mempelajari Visi & Misi Kandidat

Visi dan misi yang diusung kandidat (71%) menjadi faktor utama yang memengaruhi penilaian responden dalam menentukan pilihan capres dan cawapres. Selain itu, kualitas diri juga menjadi faktor teratas penilaian, seperti rekam jejak positif (61%), latar belakang kandidat (58%), dan mampu dalam memimpin (51%).

Tampaknya visi dan misi kandidat capres-cawapres lebih menarik perhatian responden daripada visi dan misi yang dibawa oleh calon legislatif. Hal ini ditunjukkan dengan hanya 44% yang mempelajari visi dan misi caleg, dibandingkan dengan mempelajari visi dan misi capres-cawapres (63%).

“Awareness untuk menggunakan hak pilih dalam pemilu sebenarnya tetap tinggi, hanya saja terlihat masih ada ketimpangan awareness antara pemilu presiden dan pemilu legislatif. Untuk pemilu presiden memang masih ada 19% yang tidak mempelajari visi misi capres, tetapi untuk pemilu legislatif, justru ada 56% yang tidak mempelajari visi misi caleg. Jadi sepertinya perhatian masyarakat lebih banyak terpusat pada capres,” jelas Head of Research Jakpat, Aska Primardi.

Aska melanjutkan padahal nantinya saat pemilu, masyarakat juga diminta memilih caleg mulai dari DPR, DPRD tingkat 1, DPRD tingkat 2, dan DPD. Selain itu opsi pilihan di surat suara legislatif akan jauh lebih banyak dan rumit dibandingkan surat suara capres. Edukasi tentang pemilu legislatif ini yang perlu ditingkatkan, supaya masyarakat bisa lebih mengenal caleg dan visi misinya.

Keputusan Memilih 

Mayoritas responden sudah menentukan pilihan capres-cawapresnya. Terlebih 84% responden juga mengakui jika mereka sudah mantap dan tidak ada rencana untuk mengganti pilihannya.

Partisipasi yang tinggi pada pemilu mendatang ini terlihat dari setiap generasi, status ekonomi sosial, dan wilayah, seperti 97% dari Jabodetabek, 95% dari Jawa, dan 97% dari luar Jawa yang akan berkontribusi.

Dapatkan informasi lengkapnya pada report kami di sini 

Memilih Kandidat Politik & Bersosial Media

Memilih Kandidat Politik & Bersosial Media

Menjelang pemilu 2024, masyarakat Indonesia menjumpai berbagai konten politik yang tersebar di media sosial. Konten-konten tersebut dapat menjadi referensi untuk menilai program para kandidat politik, dan membantu masyarakat dalam menentukan pilihan pada saat pemilu nanti.

Melalui report ini, Jakpat melakukan riset untuk mengetahui pandangan responden terhadap kampanye politik yang tengah berlangsung. Riset ini melibatkan 1099 responden, dan pengumpulan data survei dilakukan pada tanggal 22-24 Januari 2024.

Poin utama riset:

  • Konten politik di media sosial
  • Mengidentifikasi konten hoaks
  • Visi & misi kandidat politik
  • Keputusan memilih responden untuk pemilu mendatang

Jakpat sebagai lembaga riset pasar independen dan institusi survei online, bersikap netral dan tidak memihak pada individu atau partai politik tertentu. Survei ini bertujuan untuk mengetahui preferensi politik responden secara netral.

Berikut beberapa pratinjau report:

preview pict 1-1

preview pict 1-2preview pict 1-3

Complete Report Can Be Downloaded Below

Want to Run A Survey?

or Email Us at partner@jakpat.net

 

The Installation of Billboards is The Type of Campaign Most Disliked by The Public

The Installation of Billboards is The Type of Campaign Most Disliked by The Public

Currently, Indonesian is faced with various campaign activities in various places and media ahead of the upcoming elections. Starting from the election of President and Vice President, members of the House of Representatives, members of district/city Legislative Councils, and members of regional representative councils.

Jakpat surveyed 1276 respondents to find out people’s perspectives on current political campaign activities. In addition, this survey also to find out the political preferences of respondents neutrally without having associations or supporting certain political parties.

The survey results showed that 74% of respondents claimed to follow the progress of the current political campaign. Then, the majority of respondents also expressed interest in ongoing political campaigns, with 68% of Gen Z, 65% of Millennials, and 61% of Gen X showing interest.

Furthermore, 70% of respondents chose to know the quality of the candidates as the first reason for their interest in the current political campaign, followed by 55% who wanted to get insights/references/views to convince the choice, and 53% of respondents who chose as a real action in supporting the growth of the Indonesian nation.

For those who are not interested in campaigns, 41% of respondents choose if they don’t want to bother themselves, then 39% do not like things related to political issues, and 30% of respondents admit that a lot of negative information or news involving government elements is the reason for their disinterest in current political campaigns.

Types of Campaigns Respondents Like and Dislike

Social activities are the first type of campaign preferred by respondents (61%), then the type of direct campaign, which is when candidates are present in front of the public (55%). In addition, conducting debates with other candidates (40%), campaigns with digital publications such as TV, radio, podcasts, YouTube, and others (33%), to candidates having limited discussions with a group of people (24%).

Meanwhile, for the type of campaign they disliked, respondents chose the installation of billboards and banners unofficially to be the type of campaign they disliked the most (66%). Then the installation of party flags in neighborhoods, parks, or streets (44%), marches carrying campaign attributes (38%), going to community leaders to ask for support (25%), to distributing campaign attributes such as t-shirts, hats, stickers, and others (24%).

Resources & Choosing Decisions

Respondents get information about ongoing campaign activities from different sources. TV and radio (53%) are the most preferred sources by Gen X, while for Gen Z and Millennials who use digital media and social media the most, information comes from Instagram and TikTok.

Head of Research Jakpat, Aska Primardi explained that the current campaign situation is assessed differently by each group of voters. For Gen Z, this 2024 election is their first experience of being involved and exercising their right to vote, so, naturally, the majority of Gen Z does not yet have a final say on who to vote for. What’s more, the majority of Gen Z prefer TikTok (51%) as a means of getting to know presidential candidates and legislative candidates, where there are many debates they pay attention to. This is why the majority of them are still confused in making their choices.

“Unlike the case with Gen X, the majority of whom have decided who to choose, because indeed Gen X has learned from previous experience and knowledge about presidential candidates or legislative candidates. The majority of Gen X prefer conventional media such as TV and radio as sources of campaign information, and they consider that the current campaign situation is still peaceful and conducive. Thus, it is natural that Gen Z is the main target of candidates and political parties because in addition to the proportion in the population being one of the largest after Gen Y, the majority of Gen Z is also still very open to all choices, and may still change until the last moment before entering the voting booth on election day,” continued Aska.

Regarding the decision to choose, this is indicated by 52% of respondents considering the possibility of changing their mind or changing choices after the campaign or ahead of the election, especially for Gen Z with 61%, followed by Millennials 54%, and Gen X 41%.

Get the details on our report here.

Jakpat

The Public’s Perspectives On Political Campaigns

Currently, the Indonesians public is faced with various campaign activities in preparation for the upcoming 2024 democratic celebration. Through this report, Jakpat surveyed 1276 respondents to capture their perspectives on the current political campaigns.

These results are based on a survey conducted on 23rd-25th of December 2023.

Key research points:

  • Respond to the interests of the respondents on the current political campaigns
  • Identify the types of the current political campaigns the respondents like and dislike
  • Respondents’ expectations from the current political campaigns

Jakpat as an independent market research and online survey institution, remains neutral and doesn’t take sides or affiliate with any individual or specific political party. The survey is intended to neutrally identify the political preferences of respondents.

Here are some previews of the report:

Jakpat Survei - Image 1Jakpat Survei - Image 2Jakpat Survei - Image 3

Complete Report Can Be Downloaded Below

Want to Run A Survey?

or Email Us at partner@jakpat.net

78 of Gen Z and Millennials Are Interested in Implementing the Zero Waste Movement

78% of Gen Z and Millennials Are Interested in Implementing the Zero Waste Movement

According to the Director General of Waste, Garbage, and Hazardous Toxic Material Management (PSLB3), Rosa Vivien Ratnawati, the young generation has a strategic role in achieving zero waste and zero emission targets. Moreover, Indonesia currently has 70.72% of its population in the productive age range, which is expected to help Indonesia reach a golden age by 2045.

Zero waste is a concept that invites us to use single-use products more wisely to reduce the amount and negative effects of waste. Meanwhile, zero emissions or zero carbon emissions refer to a condition where the amount of carbon emissions released into the atmosphere does not exceed the amount that can be absorbed by the Earth.

Jakpat conducted a survey involving 990 young generations to explore their perspectives on and implementation of the zero waste movement. The survey, comprising 40% Gen Z and 60% Millennials, reveals their understanding of the concept of zero waste, the reasons for applying it, the benefits they experience, and the difficulties they face in integrating it into their daily lives.

The survey results state that 78% of the young generation are interested in adopting the zero waste movement, with 16% of the respondents having already implemented it. Less than 1 year is the most common duration for those interested and already applying for it. Moreover, the duration of 3-5 years is dominated by men at 13% and women at 8%.

The Reasons Why the Young Generation is Interested in the Zero Waste Movement

Gen Z and Millennials seem to realise the importance of protecting the earth so they are interested in implementing zero waste movement. This is shown by 94% who choose the reason to help protect and preserve the earth by reducing waste, followed by the reason to save the earth and the provision of future generations by 48%.

In addition, being interested in eco-friendly products (22%), society implementation (14%), exposure to environmental news (11%), and inspiration from influencers (6%) are reasons why the younger generation is interested in implementing zero waste.

Based on the results of the survey, Head of Research Jakpat, Aska Primardi assessed that the majority of the younger generation is actually aware of the importance of this zero waste issue. Unfortunately, only a small percentage of them has implemented this activity. Learning from a group of young people who have implemented it, it can be seen that one of the popular reasons is the trend of the surrounding environment that has implemented it, and also the initiative to follow what friends do.

Therefore, this movement is actually not enough just to disseminate information about the importance of zero waste, but must also be followed by programs from related parties to facilitate their zero waste activities, or the most extreme is penalties or fines if they cannot do this,” explained Aska.

Implementation of Zero Waste Movement

Using tote bags when shopping (55%), then using tumblers (55%), and reducing plastic use (54%) are the top three as part of their zero waste implementation.

In addition, the application also includes shopping as needed only (49%), using your own place to eat when buying food (46%), to the use of eco-friendly products (15%).

When viewed in terms of Socioeconomic Status (SES), the use of eco-friendly products is most widely carried out by the upper (21%), followed by the middle (13%), and lower (10%).

The Difficulties in Implementing the Zero Waste Movement

The most challenging aspect is finding the nearest waste bank. A waste bank is a facility or program where someone can deposit recycled waste such as paper, plastic, glass, and other items in exchange for rewards.

In addition, families or environments that do not support the implementation of zero waste are the second reason perceived by the younger generation as difficult, this seems to be influenced by most of those who still live with their parents.

What are the benefits that the younger generation feels when they implement zero waste? Where do they find further information to support their implementation? What are the factors for those who are not interested in applying?

Get the details in our report here.

 

Young Generation and Zero Waste Movement

Young Generation and Zero Waste Movement

The young generations are already familiar with the zero waste movement, and some people have already applied in their lives. In addition, adopting the zero waste movement is based on some factors. In this report, Jakpat will share insights about perspectives from Gen Z and Millennials on zero waste movement.

These results are based on a survey conducted on 16-17th of November 2023.

Key research points:

  • Reasons for interested in implementing zero waste
  • Implementations have already adopted zero waste by the young generation
  • The struggle of implementing zero waste

Here are some previews of the report:

1. Young Generation and Zero Waste Movement

2

Young Genereation and  Zero Waste Monvement - image 3


Complete Report Can Be Downloaded Below

Want to Run A Survey?

or Email Us at partner@jakpat.net

childfree - pexels-ксения-11686456

Gen Z and Millennials Views About Having Kids on Family

The presence of children in the family has become an exciting conversation on social media some time ago. Influencer Gita Savitri said not having children is natural anti-aging. Pros and cons regarding childfree also emerged. On the other hand, apart from the presence of children, the younger generation realizes that building a family is not easy.

Jakpat conducted a survey to find out how the younger generation views in preparing the household. The report, which involved 1,216 respondents, shows the considerations for stepping into a more serious level with their partner and the meaning of having kids in a family.

The survey result showed that 97% of single respondents, whether they have children or not, wanted or planned to get married. More than half of respondents said they wanted to get married because they wanted to have a mate (65%) and because of religious teachings (57%). In addition, 48% of them reasoned that they had found the right person, wanted to have children, and felt that getting married was indeed a phase of life that must be passed. As many as 52% of respondents targeted to get married at the age of 25-29 years.

“Among Gen Z and Millennials who are currently unmarried, they both want to get married in the future. The difference is Millennials want to get married in the near future, while Gen Z does not in the near future. This can be caused by the perception that the Millennials segment has now entered the upper limit of the ideal age in marriage,” said Head of Research Jakpat, Aska Primardi.

Meanwhile, the top three reasons respondents do not want to get married are not a priority, aware of being financially inadequate, and wanting to focus on a career with a percentage of 33% each.

 

What needs to be prepared in building a family?

Jakpat grouped six types of abilities that need to be prepared in a household. First, mental preparation, meaning adaptation to life in pairs and families. Followed by financial preparation (such as the cost of daily needs and the cost of raising children) and property (such as owning a place to live and/or a vehicle). Then, physical preparation (physically health) and emotional preparation (being able to control actions). The last one, intellectual preparation, which means finding information about marriage and family.

As many as 91% of respondents rated mental preparation as the main thing in marriage. Then followed by financial preparation (87%) and emotion (78%). However, on the other hand, they are also aware that mental preparation is also the most difficult preparation to achieve (43%).

 

Young people’s views on having children in a family 

More than half of the respondents, consisting of Gen Z and Millennials, rated the presence of children as very important. While 16% thought the presence of a baby is normal and less than 1% felt it is unimportant.

This certainly affects the decision of those who want to have children. As many as 67% of respondents wanted to have children as soon as possible after marriage. Meanwhile, 22% decided to postpone children after marriage and some others thought about adoption options.

Jakpat survey also shows that the group that wants to have children as soon as possible is dominated by the Millennial segment, while most Gen Z choose to postpone children after marriage.

“So although both of them wanted to get married, they had different plans about having children. When we explore the reason, we found that fewer Gen Z than Millennials agree with the opinion that “children are the door to sustenance” or “children who will take care of us in old age”. So it seems that there has been a shift in these values in the Gen Z segment,” said Aska.

This, he added, is in line with the projection data of the Central Statistics Agency (BPS) which stated that the population of children under five years old (toddlers) will decrease, in line with the downward trend in the birth rate in Indonesia.

On the other hand, there are various reasons to have children in a household. A total of 75% of respondents admitted that they really wanted to have offspring. The presence of the baby is also considered as a complement (69%) and an enhancer of happiness (68%) in the family.

 

Get the details on our report here.

survei jakpat childfree

Talking About Having Kids or Childfree Among Gen Z and Millennials – JAKPAT Survey Report 2023

Having children in the family became an interesting topic to talk about some time ago. It was triggered by an influencer, who declared herself as childfree, said not having kids is indeed a natural anti-aging. Her comments brought up various pro and con opinions about “baby on board” in family these days.

On the one hand, building a family is not as easy as it seems. Young generation realizes that there are many things that must be prepared to build a family. Starting from financial, emotional, and other things. Thus, in this report, JAKPAT will present the result of the survey to 1.216 respondents nationwide about what people think about creating a family, especially having children on it.

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For more detailed data, please download the PDF file down below.

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