Financial Literacy in Capital Market
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1 Financial Literacy in Capital Market Indonesia Experience Dr. Kusumaningtuti S. Soetiono, SH, LLM Member of Board of Commissioners in charge of Financial Education and Consumer Protection, Indonesia Financial Services Authorithy India, 28 October 2013
2 Presentation Index Indonesian Capital Market The Industry The Strategy Why It Is Important Financial Survey The National Strategy 2
3 Indonesian Capital Market The Industry 1 Jakarta Composite Index (JCI) 3
4 Indonesian Capital Market The Industry Comparison to GDP 3 2 Comp. to Regional Indices Figures in Billion USD * 23 October 2013 GDP 2012: USD 749,26 Billion 4
5 Indonesian Capital Market The Industry 4 Foreign Net Inflow 5 Listed Companies Figures in Million USD 5
6 Indonesian Capital Market The Strategy FOCUS ON CAPITAL MARKET DEVELOPMENT Capital Market Deepening Market Integrity Enhancement Law Enforcement Improvement 6
7 Indonesian Capital Market 7 7
8 Indonesian Capital Market 8
9 Presentation Index Indonesian Capital Market Why It Is Important Financial Survey The National Strategy 9
10 Why It Is Important 1 2 Changes in Income Increase in Life Expectancy 3 Complexity of Financial Products 4 The Existence of an Illegal Investment 5 Low Level of Financial Literacy 10
11 Why It Is Important 1 Changes in Income An estimated 90 Million Indonesians could join the consuming class by 2030 A jump of 90 Million consumers would be the largest increase expected in any country in the world apart from China and India 1) Rounded to the nearest five million 2) Consuming class defined as individuals with an annual net income of above $3.600 at 2005 purchasing power parity (PPP) 3) Based on annual GDP growth of between 5 %and 6% Source: McKinsey Global Institute, September
12 Why It Is Important 2 Increase in Life Expectancy In Indonesia, life expectancy at birth increased from 37 years in 1950 to 69 years in 2010, and is expected to rise to 78 years by Hence, financial education, helping people to plan for an adequate income in retirement, is becoming even more vital 12
13 Why It Is Important 3 The Complexity of Financial Products For Example 1 Bonds Corporate Bond Callable Bond Goverment Bond Convertible Bond Private Equity Protected Fund 2 Mutual Fund Asset Backed Sec REITs ETF Hedge Fund 13
14 Why It Is Important 4 The Existence of an Illegal Investment Ponzi Scheme non-sustainable business model that involves the exchange of money primarily for enrolling other people into the scheme, usually without any product or service being delivered Jan - Aug Illegal Institutions 350 Quest/Complaints regarding Illegal Investment 14
15 Why It Is Important 5 Low Level of Financial Literacy WHY... Capital Market Too Complicated: 78% High potential for fraud: 70% Mutual Funds Dont know enough about it : 78% Too Complicated: 65% Source: SEADI Research, April
16 Presentation Index Indonesian Capital Market Why It Is Important Financial Survey The National Strategy 16
17 Key Success Factors Financial Literacy Survey Periodically National Financial Literacy Blueprint National Financial Literacy Board and Task Force Content and Delivery National Commitment 17
18 Baseline Financial Literacy Survey Goals Mapping Literacy Index Input for Regulator Input for Financial Institution Survey sample areas covering 20 provinces With 8000 respondents, or 400 respondents per province Financial Sectors Area Banking Capital Market Insurance Multifinance Pension Fund Pawnshop 18
19 Baseline Financial Literacy Survey Sampling Cluster (1) Gender (2) Age (3) Education Level (4) Employment Status (5) Urban/ Rural (6) Wealth Man Woman University High Sch. Elementary Not Formal Informal Housewife Retired Students Not Working Rural Urban Class A Class B Class C Class D Class E 19
20 Baseline Financial Literacy Survey Questionnaire Basic Information Knowledge Skills and Confidence Usage Respondent Profile Institutions, Product and Services Feature, Benefit, Risk, Rights and Obligation Calculate Interest, Return, Fee and Penalties Confidence Level and the Reason Usage of Products and Services 5 Dissatisfaction Experience dissatisfactions Where to go for help 20
21 Baseline Financial Literacy Survey 4 Financial Literacy Level Well Literate Suff. Literate Less Literate Not Literate Have the knowledge, skills and confidence about financial institutions and its products and services Have the knowledge and skills about financial institutions and its products and services Have the knowledge about financial institutions and its products and services Doesn t have the knowledge, skills and confidence about financial institutions and its products and services 21
22 Baseline Financial Literacy Survey Capital Market Utilitas 0,11% Full report will be launched 19 November
23 Presentation Index Indonesian Capital Market Why It Is Important Financial Survey The National Strategy 23
24 The National Strategy Vision Support the realization of well literate society and increase the use of financial products to improve the welfare of the community. 1. INCLUSIVE 2. SYSTEMATIC AND MEASURABLE 3. EASY ACCESS 4. COLLABORATION Include all segments of society Delivered in a programmed, easy to understand, simple, and can be measured. Widespread throughout Indonesia and accessible. Involve all stakeholders 24
25 The National Strategy The Blue Print Current Condition Goal 1st Pillar 2nd Pillar 3rd Pillar Not / Less Literate Society Collaboration with Stakeholders Well Literate Society 25
26 The National Strategy 1st Pillar Education and National Campaign GOALS Increase the awareness, knowledge and skills about financial products and services Changing the mindset and behavior of financial activities Increase the usage of financial products and services 26
27 The National Strategy 2nd Pillar Strengthening the Infrastucture GOALS Strengthen and support the education and national campaign Expand and facilitate access to financial information Ensure the sustainability of financial literacy program 27
28 The National Strategy 3rd Pillar GOALS Development of Financial Products and Services Encourage Financial Institutions to develop products and services that best suit the needs of the community Encourage Financial Institutions to improve the quality of services Encourage Financial Institutions to expand the financial services area. 28
29 THANK YOU Indonesia Financial Services Authority Sumitro Djojohadikusumo Building Jl. Lapangan Banteng Timur No. 2-4 Jakarta Telp : Fax : Web :
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