{
    "success": true,
    "data": {
        "id": 1669600,
        "msgid": "bi-survey-reveals-rising-consumption-declining-household-instalments-1775814662",
        "date": "2026-04-10 16:20:09",
        "title": "BI Survey Reveals Rising Consumption, Declining Household Instalments",
        "author": "Sakina Rakhma Diah Setiawan",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Economy",
        "summary": "Bank Indonesia's March 2026 consumer survey indicates that household finances remain stable amid optimistic economic expectations, with the average propensity to consume rising to 72.2% from 71.6% the previous month. This shift is accompanied by a reduction in the debt service ratio and stable savings at 17.6%, suggesting improved debt burdens and widespread spending increases across income groups. The trends reflect a positive adjustment in household expenditure structures, potentially bolstering economic recovery.",
        "content": "<p>JAKARTA, KOMPAS.com \u2014 Bank Indonesia\u2019s (BI) Consumer Survey for March\n2026 shows that consumer financial conditions remain stable amid\nconfidence in the economy that is still at an optimistic level.<\/p>\n<p>On the income usage side, there is a shift in composition marked by\nan increase in the share of consumption, followed by a decline in the\ninstalment payment ratio, and stable savings proportion.<\/p>\n<p>BI records that the average proportion of household income used for\nconsumption (average propensity to consume ratio) reached 72.2%. This\nfigure increased compared to the previous month at 71.6%.<\/p>\n<p>Meanwhile, the proportion of income saved (saving to income ratio)\nremained relatively stable at 17.6%, slightly down from 17.7% in the\nprevious month.<\/p>\n<p>These data indicate a tendency for households to increase consumption\nspending while maintaining savings levels and reducing instalment\nburdens.<\/p>\n<p>The consumption share continues to dominate the expenditure\nstructure, while the instalment line tends to decline and savings remain\nrelatively flat over the last few periods.<\/p>\n<p>The central bank notes that almost all groups showed an increase in\nthe consumption share of income compared to the previous month.<\/p>\n<p>This indicates that the consumption push is not limited to certain\ngroups but is widespread across various household strata.<\/p>\n<p>In other words, the spending increase occurs both in low-income\ngroups and middle to high-income groups.<\/p>\n<p>This condition reflects an improvement in household debt burdens,\neither due to a decline in instalment obligations or an increase in\nincome that makes the ratio smaller.<\/p>\n<p>Unlike consumption and instalments, the savings share tends to be\nstable. In March 2026, the saving to income ratio was at 17.6%, almost\nunchanged from the previous month.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/bi-survey-reveals-rising-consumption-declining-household-instalments-1775814662",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}