🏦 Banks
How banks work in Indonesia, what protects your money (LPS deposit insurance, up to Rp 2 billion per bank) and how to choose where to keep your account without paying too much in fees.
What is the Indonesia Deposit Insurance Corporation and what does it protect?
LPS guarantees your bank deposits — up to Rp 2 billion per depositor, per bank — if the bank fails. How it works, and how much is covered.
Read the article →Commercial bank, BPR or cooperative: where should you keep your money?
Commercial banks have the widest product range and app; BPR (rural banks) often pay more on deposits; savings-and-loan cooperatives are member-owned but not LPS-guaranteed. How to weigh the trade-offs.
Read the article →How to choose your first bank account in Indonesia
Your everyday account is the hub of your money. How to compare fees, the debit card, the app, QRIS, minimum balances and online banking — and avoid the costs that slip past.
Read the article →What is a credit report and SLIK in Indonesia?
When you apply for a loan, credit card, KPR or pinjol, a credit check is done. How SLIK (run by the OJK) works, what stays on your file, how the old BI Checking blacklist changed, and how to pull your own report for free.
Read the article →