I write this topic to help BI learners to get a better understanding about these personal pronouns, when and to whom they should be used.
Let's start
1. ANDA
Normally people don't use Anda in daily conversation. It's very formal. You'll likely hear it spoken by TV presenters, formal speech, advertisement.
For examples:
a. Radio advertisement:
Bagi Anda yang tertarik, silahkan hubungi kami di 555-555-555.
For those of you who are interested, please call us at 555-555-555
b. Bank brochures
Serahkan masalah keuangan Anda pada kami
Let us handle your financial problem.
Even when talking to your boss or someone you respect, most people don't use Anda. Instead use "Bapak" for a man or "Ibu" for a woman.
For example:
Maaf Pak, tadi ada telepon dari Pak Andy untuk Bapak.
Excuse me Sir, there was a phone call from Mr. Andy for you.
The same situation applies when you are talking to your customers, clients, suppliers and other business collegues.
Baik Bu, saya akan mengirimkan fax daftar harga untuk Ibu segera mungkin.
OK mam, I will fax you the price list as soon as possible.
For a less formal situation (talking to a bank teller, a waiter, asking for direction from a stranger), you have two options: use Bapak and Ibu as mentioned above or you can use MAS for a man and MBAK for a woman AND only when they are about your age or younger. It's considered more polite than using KAMU or (even worse) ENGKAU.
Note: MAS (which means brother), and MBAK (sister) are actually words derived from Javanese. Use it when you live in cities in Java island (Jakarta, Bandung, Surabaya, Yogyakarta, etc). Outside Java (Bali, Lombok, Medan, Makasar, etc), I’d recommend to use Bapak and Ibu instead.
2. KAMU
“Kamu” is an informal form of “you”. Use it in these situations:
a. Talking to someone who is much younger (your kids, for example).
Mama kan sudah bilang sama kamu, jangan nakal!
Mom has told you before, don’t be naughty!
b. Talking to your subordinates or your employees
Amad, tolong kamu antar surat ini ke Ibu Yenni
Amad, please deliver this letter to Mrs. Yenni
Now, what should you use when you are talking to an old street beggar or your employee who is 20 years older than you? Well, that would depend on the situation.
Pak, ini ada sedikit uang untuk Bapak
Sir, here is some money for you.
Pergi! Kamu mengemis saja kerjanya tiap hari!
Get lost! You do nothing but beg for money everyday!
Pak Ujang, ini bonus akhir tahun buat Bapak merayakan Lebaran
Mr. Ujang, here’s the year-end bonus for you to celebrate Lebaran
Ujang! Kamu saya pecat!
Ujang! You’re fired!
c. Talking to your friend
Yanto, kemarin aku ada telpon kamu tapi kamu tidak di rumah.
Yanto, yesterday I called you but you weren’t at home.
3. ENGKAU or KAU
Nobody use ENGKAU in conversation (well, people from certain ethnic does, but we won't discuss it here). It’s rude and it only makes you sounds weird. Nevertheless, you will still see ENGKAU used in poetry, prayer, song lyrics (in general, literature). For an unknown reason, people use ENGKAU (and only ENGKAU or KAU) when talking to God.
Ya Tuhan, terima kasih atas makanan yang telah Engkau berikan ini.
Dear Lord, thank you for the food that You have given to us.
Jennifer, engkau adalah sinar matahari bagi hidupku
Jennifer, you are the sunshine of my life.
Never use ANDA to refer to God!
4. LU, LO, ELU, ELOE
These four words are originally derived from local Chinese dialects, LU. It was absorbed by the Betawi people (Jakarta’s native) and since then become a widely used slang. Only use it when talking to your close friends or persons who you considered don’t need to be well respected.
Note: Though understood, I’d recommend to refrain from using this LU word if you are not in Jakarta.
I hope this helps BI learners to better understand the usage of these 2nd personal pronouns.
Comments are appreciated

I've printed your post to add it to my notes.