February 10, 2026 | 01:37 pm
TEMPO.CO, Jakarta - Bank Indonesia (BI) has recorded a shift in how consumers allocate their income for consumption, savings, and debt repayments. According to the latest survey by the central bank, the proportion of income dedicated to savings and debt has increased, while the share allocated for consumption has declined.
In January 2026, the average propensity to consume ratio was recorded at 72.3 percent. "This is lower than the proportion in the previous month, which stood at 74.3 percent," BI stated in its consumer survey released on Monday, February 9, 2026.
Meanwhile, the saving-to-income ratio in January was recorded at 16.5 percent, marking an increase from the 14.9 percent seen in December 2025.
The decrease in the consumption share of income occurred across several expenditure groups, particularly among those with incomes between Rp 1–4 million and those earning above Rp5 million. The allocation for consumer savings rose in several groups, with the most significant increase found among individuals with expenditures ranging from Rp1–2 million.
On the other hand, the debt-to-income ratio in January 2026 was recorded at 11.2 percent, up from 10.8 percent the previous month. This trend differs from the preceding period; in December 2025, BI noted a slight increase in consumption and savings alongside a decrease in the portion dedicated to debt payments.
Consumer income used for shopping in December last year decreased slightly from 74.6 percent to 74.3 percent. Meanwhile, the portion of income saved in December 2025 rose from 14.4 percent to 14.9 percent, while the share for loan repayments dipped slightly from 11 percent to 10.8 percent.
Read: BI Survey: Indonesians Increasingly Optimistic About Job Availability
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