Sharia Financial Inclusion in Indonesia Trails Literacy, Bank Aladin Strengthens Digital Access

Despite a growing understanding of Sharia finance in Indonesia, a significant gap persists between literacy and actual inclusion, with only 13.24% of the population actively using Sharia financial products. Bank Aladin Syariah is actively working to bridge this divide by enhancing digital access and leveraging its extensive network.

Koko Rachmadi, President Director of Bank Aladin Syariah, emphasized the critical need for expanding access alongside education. "Collaboration among stakeholders is increasingly important, as the challenge of developing Sharia finance today lies not only in increasing public understanding but also in encouraging the actual utilization of products," he stated.

“

Collaboration among stakeholders is increasingly important, as the challenge of developing Sharia finance today lies not only in increasing public understanding but also in encouraging the actual utilization of products.

Bank Aladin Syariah is strategically using its digital banking services and its partnership with Alfa Group, which boasts over 25,000 minimarket outlets nationwide, to reach more Indonesians. This extensive network provides a convenient channel for customers to access Sharia banking services integrated into their daily routines.

The bank's commitment extends to participating in events like the Sharia Financial Expo and Seminar (EKSiS) 2026, where it introduced its digital Sharia banking products and offered attractive profit-sharing rates. As of the second quarter of 2026, Bank Aladin Syariah reported a net profit of Rp38.3 billion and total assets of Rp15.1 trillion, serving over 3.9 million registered customers.

“

We believe that good literacy needs to be accompanied by easy access to Sharia financial services that are relevant to daily needs. As a digital Sharia bank, Bank Aladin Syariah is committed to providing a banking experience that is simple, inclusive, and provides real benefits, while also supporting OJK's efforts to expand Sharia financial inclusion in Indonesia.