15.3 Million Working-Age Citizens Lack Bank Accounts, Social Aid Distribution at Risk of Disruption
JAKARTA, KOMPAS.com - The Deposit Insurance Corporation (LPS) records that many people aged 15-69 years still do not have bank accounts. This could potentially hinder the distribution of social assistance (bansos) from the government.
LPS Commissioner Council Chairman Anggito Abimanyu stated that up to 2025, there are still 49.7 million Indonesians without accounts, of which 15.3 million are in the working-age group.
“What we are focusing on is the working-age group who should already have their own accounts. There are 15.3 million residents without accounts, which will be our target together with OJK,” he said during a working meeting with Commission XI in Jakarta on Thursday (9/4/2026).
He explained that account ownership for working-age individuals is crucial because it can affect the smooth receipt of social aid. Without an account, government assistance risks not being received directly by the recipients and must go through intermediaries.
“In line with the directive from the President, Indonesian residents should have access to accounts so that government programmes, including assistance programmes, can be received directly, without going through second or third parties,” he clarified.
President Prabowo Subianto has instructed that every Indonesian citizen should have a personal account within the next three years.
Efforts are being made through various outreach activities and coordination with the banking industry to more actively reach people without accounts.
LPS targets a 5 percent annual growth in working-age accounts during 2026-2030. This target is higher than the realised growth in the number of accounts from 2023-2025, which was 2-4 percent.
Anggito revealed that over the past three years, the number of Indonesians without accounts has continuously decreased, from 59.8 million in 2023, to 53.2 million in 2024, and to 49.7 million in 2025.
“We are always working together with OJK to ensure that more can be achieved each year. So last year, there were 3 million additional accounts opened by banks,” he said.