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The Effect of Financial Literature and Financial Inclusion on Family Welfare

Lack of access to services and a basic understanding of finance is a widespread problem throughout the world, including Indonesia. According to data, only 36 percent of Indonesian adults, or approximately 90 million people, have bank accounts (World Bank Data, 2017). This statistic is significantly lower than Malaysia's 81 percent, China's 79 percent, and India's percent (Global Findex, 2017). The following study will examine poverty and welfare conditions in Indonesia, followed by an examination of the impact of financial literacy and inclusion on family welfare. This study employs a descriptive method to sift through the available literature on welfare and issues relating to Financial Literacy and Inclusion in Indonesia. Financial literacy has the potential to have a detrimental effect on family welfare. Financial inclusion has the potential to provide numerous benefits to the community, regulators, government, and private sector, ultimately resulting in poverty reduction. In practice, this research can be used to help increase household financial literacy and inclusion in Indonesia, where these indicators remain low.