Thekabarnews.com—Financial pressure among Indonesian employees is no longer a personal issue. In fact, it is increasingly becoming a major business risk for companies.

According to a recent survey by the personal financial management platform FINETIKS, 56 percent of professional employees do not have enough emergency cash. Additionally, 72 percent of them said that their financial status negatively affects their work.

The results indicate that companies increasingly need to treat employees’ financial well-being as a core business strategy. This is more important than considering it a peripheral workplace perk.

Researchers carried out the cross-industry poll of tech, education, digital media, creative industries, and fintech workers between December 2025 and March 2026. Researchers in those industries have observed steady trends in financial stress.

“Given the giant impact on operations, employee financial wellness is no longer a private problem that organizations can afford to ignore,” said FINETIKS CEO Cameron Goh.

Cameron said that employee financial well-being is often considered a personal issue. However, businesses feel the effects strongly in their day-to-day operations, from productivity to the quality of decision-making.

“Financial health is becoming a silent business risk with big potential impact,” Cameron stated.

The survey shows that for many professionals, financial worries are part of everyday life. In fact, 58 percent of respondents said they had to delay major demands because of cash flow problems. Moreover, 51 percent still have consumer debt to pay off, including Buy Now Pay Later services, credit cards, and online loans.

At the same time there is a lot of knowledge about the issue. And 93 percent of respondents said they want financial wellness programs at their workplaces.

Money worries make it difficult to concentrate, make decisions, and work well with others, say experts. Often it also results in ‘presenteeism’—being at work but not working.

Such problems may cause higher long-run turnover rates. In addition, they lead to hidden costs to productivity that are not immediately visible in firm performance statistics.

The poll also found huge differences from one industry to another. The creative industry reported that all respondents had experienced financial impacts. Meanwhile, the education industry recorded the highest consumer debt at 69 percent.

Seventy-four percent of digital media workers said they felt “a lot of pressure.” Even in the fintech industry, which has a higher level of financial literacy, there was still a lot of financial stress. This indicates that knowledge is not enough without the existence of strong financial systems and habits.

Almost half of all tech workers have active consumer debt, particularly Millennials. The findings underscore the need for organizations to provide more holistic solutions, beyond the basics of financial education.

FINETIKS promotes programs that will lead to long-term behavioral changes such as improved cash flow management. They also encourage emergency fund planning, automatic savings systems, and continuous financial mentorship.

The company is tackling this challenge with its “MONEY BOSS: Employee Financial Wellness Program,” a program that educates employees on financial concepts. In addition, it helps them to put into practice real-life financial skills.

“Companies that embed financial wellness into their human capital strategy will see increases in productivity, employee loyalty, and a healthier workplace culture,” Cameron said.

Cameron said that those who are including financial wellness in their human capital strategy are going to see significant productivity gains. In addition, there will be better retention of employees.

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