Account use and borrowing

Published

November 27, 2025

Summary of Personal finances

Business owners

Households that ‘received any self employment or business income for the LAST 30 DAYS’ are more likely to save for the future.

Variables used on this page

Variables Used in the Analysis Plot 1: Banking, Mobile Money, and Credit Usage Across Household Quintiles Financial Service Access:

  • sv1: Formal bank account usage
  • sv2: Mobile money/e-wallet service usage
  • sv7: Plastic payment/bank card ownership
  • sv9: QRIS transaction usage
  • sv44: New account openings

Borrowing and Credit:

  • sv12: Loan/credit applications
  • sv19: Outstanding loans/credit
  • wb6: Borrowing for basic needs

Attitudes Toward Credit:

  • sv40: Willingness to borrow at lower interest rates
  • sv41: Trust in lenders
  • sv42: Current need for borrowing

Plot 2: Financial Behaviors by Business/Self-Employment Income Key Variables:

  • inc12: Self-employment/business income indicator
  • sv1: Formal bank account usage
  • sv2: Mobile money/e-wallet service usage
  • sv9: QRIS transaction usage
  • sv12: Loan/credit applications
  • sv19: Outstanding loans/credit
  • sv3: Ability to save for the future