As Indonesia continues its innovative and large-scale economic inclusion initiatives, MasterCard has put names and faces on the roles people play in that journey. The most important constituents of the ecosystem that makes for progressive economic inclusion in the developing world are Connectors. These individuals are those who provide ideation, sustenance, support and maintenance for those seeking to attain a greater degree of economic inclusion for themselves and their families. MasterCard has identified five global Connector archetypes that can fill this role in the journey to economic inclusion so many in the developing world are contemplating or engaged in. Our research included both quantitative and in-depth personal interviews in four countries: Mexico, Egypt, Indonesia, and India. Among our findings: The Connectors that provide the dynamics of economic journeys are: The Mentor, The Introducer, The Migrator, The Role Model and The Business Influencer:

Let’s define the Indonesian economic landscape and some of the barriers people deal with as they consider the formal economic system:

THE CONNECTORS PROJECT: ENGAGINGECONOMIC INCLUSION ROLES IN INDONESIA

Indonesian Economic

Landscape

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Executive Summary

The Connectors Project

TELECOMMUNICATIONSHighly mobile, but few online• 15% using the internet• 100% using mobile phones

BANKINGRoom for growth in formal banking• 9.6 commercial bank branches per 100,000 adults• 20% of the population has a bank account• Private sector receiving credit from domestic banks at an amount equal to 34% of the GDP• Received personal remittances at an amount equal to 0.8% of the GDP

EDUCATIONNearly all youths receiving education• 99% youth literacy rate (ages 15-24)

PUBLIC WORKSInconsistent public infrastructure

• 57% of roads are paved• 85% of people have access to improved water source

THE MENTOR THE INTRODUCER THE MIGRATOR THE ROLE MODEL THE BUSINESS INFLUENCER

“[How confident are you in the

economy?] If you’re asking whether I’m confident or

not, I am confident. But again it will be

up to the leaders of the country

whether they will bring Indonesia to a

better state or not...”

—Yana Mulyana

MasterCard’s Connectors Project research indicated Indonesians’ enthusiasm and optimism for the future of their country, most evident in the high ranking of Quality of Life. But the same individuals are also aware of the barriers that are keeping economic opportunity elusive for a large number of Indonesians. Fifty five percent of respondents indicated that it is difficult for them to get access to credit and loans, and access to savings got a similar response. In addition 69 percent of respondents worry about money they owe to others and the same percentage of people are concerned about their future prospects.

The quantitative survey responses from The Connectors Project study rank quality of life in Indonesia higher on the scale than any other countries included in the study (Mexico, Egypt, India) and the difference in Quality of Life ratings between high- and low-income respondents is the smallest compared with other countries.

Seventy four percent of respondents in Indonesia indicated that quality of life is Good and Very Good compared to the Surveyed Country Average of 53 percent.

When asked to choose the issues that were important to them, Indonesians selected:

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The Connectors Project

44%My personal health or the

health of family members

29%Religious

discrimination or persecution

29%Disruption and

violence from war or conflict

24%Racial or ethnic discrimination or

persecution

23%Finding or keeping agood job

SOURCES:

World Bank, UNICEF, MercyCorps, ITU, MasterCard research

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