Financial inclusion is an important component of poverty alleviation. It is about increasing access to financial services, especially for the working poor, who typically rely on irregular, low-paid work in the informal economy. In Indonesia, 36 percent of the population has a bank account and just 13 percent have borrowed from banks, compared with East Asia and the Pacific where the rate is 69 percent. Francine Pickup

Deputy country director, Indonesia, United Nations Development Program