{
    "success": true,
    "data": {
        "id": 1671733,
        "msgid": "bi-survey-public-income-allocation-for-consumption-rises-1775919053",
        "date": "2026-04-11 20:27:00",
        "title": "BI Survey: Public Income Allocation for Consumption Rises",
        "author": "",
        "source": "TEMPO_ID_BISNIS",
        "tags": "",
        "topic": "Economy",
        "summary": "Bank Indonesia's latest consumer survey reveals a shift in income allocation, with the proportion used for consumption rising to 72.2% in March 2026 from 71.6% the previous month, while savings slightly declined to 17.6% and debt repayments fell to 10.2%. This increase in spending occurred across most expenditure groups, coinciding with major religious holidays including Nyepi, Ramadan, and Eid al-Fitr, contrasting with February's trend of reduced consumption and higher savings. The findings highlight evolving consumer behaviour that could influence economic growth and household financial stability in Indonesia.",
        "content": "<p>Bank Indonesia\u2019s (BI) latest survey records a change in consumer\nincome allocation for consumption, savings, and debt repayments. The\nproportion of income used for consumption has increased, while the share\nfor savings has slightly declined compared to the previous month.<\/p>\n<p>In March 2026, the average consumer income used for consumption, or\nthe average propensity to consume ratio, was recorded at 72.2 per cent.\n\u201cThis is higher than the proportion in the previous month, which was\n71.6 per cent,\u201d states BI\u2019s consumer survey released on Friday, 10 April\n2026.<\/p>\n<p>The share of consumer income saved, or the saving-to-income ratio, in\nMarch was relatively stable at 17.6 per cent. However, this figure\ndipped slightly compared to the previous month\u2019s proportion of 17.7 per\ncent.<\/p>\n<p>Meanwhile, the consumer income allocated to debt repayments, or the\ndebt instalment-to-income ratio, was recorded at 10.2 per cent. The\npublic\u2019s debt proportion is lower than the previous month\u2019s 10.6 per\ncent.<\/p>\n<p>The rise in the consumption-to-income ratio increased across most\nexpenditure groups. Meanwhile, the share of income for debt repayments\ndeclined across all expenditure groups.<\/p>\n<p>The central bank\u2019s survey does not explain the reasons for the rise\nin public consumption allocation. However, March coincided with holidays\nfor major religious observances, namely Nyepi, as well as Ramadan and\nEid al-Fitr.<\/p>\n<p>This consumer financial note differs from the previous month. In\nFebruary 2026, BI recorded a decline in consumption and debt repayments,\nbut an increase in public savings.<\/p>\n<p>Consumer income used for spending in February fell from 72.3 per cent\nto 71.6 per cent. The share of income for debt repayments slightly\ndecreased from 11.2 per cent to 10.6 per cent. Meanwhile, the public\u2019s\nsavings share rose to 17.7 per cent compared to the previous month\u2019s\nproportion of 16.5 per cent.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/bi-survey-public-income-allocation-for-consumption-rises-1775919053",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}