Evaluation of QRIS Effectiveness in Promoting Financial Inclusion and Achieving Sustainability Development Goals (SDGs)
DOI:
https://doi.org/10.30983/gic.v3i1.861Kata Kunci:
Effectiveness, QRIS, Financial Inclusion, SDGsAbstrak
This study evaluates the effectiveness of QRIS in increasing financial inclusion and supporting the achievement of Sustainable Development Goals (SDGs) in Indonesia. The method used in this research is a literature study, by reviewing literature from various sources such as scientific journals, survey reports, government policies and official data from OJK and Bank Indonesia. The results show that QRIS has had a positive impact on increasing the national financial inclusion index, which reached 75.02% in 2024 and increased to 80.51% in 2025. In addition, the implementation of QRIS is also considered to support the achievement of a number of SDGs targets, such as poverty reduction, inclusive economic growth, and gap reduction. Nevertheless, there are still challenges such as low digital literacy and limited infrastructure in remote areas. Therefore, strengthening financial education and equal access to technology are important aspects in optimizing this policy going forward.
Referensi
Afandi, A., Rukmana, L., & R, W. W. (2022). Effectiveness and Efficiency of the Quick Response Indonesian Standard (QRIS) Non-Cash Payment System in Influencing Student Financial Inclusion. BanKu: Journal of Banking and Finance, 3(2), 73-83. https://doi.org/10.37058/banku.v3i2.5823
Almuzizah Hia, Delipiter Lase, Berkat Notatema Zendato, A. B. N. (2025). Analysis of the Role of Quick Response Code Indonesian Standard in Promoting Financial Inclusion in Rural Areas. Journal of Business Management and Economics, 2(1), 12-22.
Arliyanti, S. P., & Astuti, R. F. (2024). Sustainable Economic Development: Application of Fintech to Financial Inclusion in the Digital Economy Era. 4(3), 561-571.
Aulia, T. Z., Sudarmanto, E., Susilo, P., Campus, A., Perintis, J., No, K. I., Rw, R. T., Tangerang, K., & Tangerang, K. (2025). Introduction and Implementation of Digital Payment through QRIS for MSME Players in Suka Asih Village, Tangerang City to Realize Green Economy as part of Sustainable Indonesian Development. 3.
Akhyar, M., Hanani, S., & Gusli, R. A. (2024). Relevansi Positivisme Auguste Comte Dalam Kemajuan Sistem Pendidikan Islam Modern. QATHRUNÂ, 11(2), 84–96.
Bintang Wahyudi, Simon Andreson, Tengku Resti Erika Yusman, Tiara Fauziah, Halisya Rahmawati Anwar, W. B. (2024). Empowerment of MSMEs through Digitalization with the Application of Qris in Umban Sari Village, Pekanbaru, Riau. Abdi Masyarakat Journal
Indonesia (JAMSI), 4(6), 1563-1570.
Carroll, C. O. (2025). Digital Finance and Financial Inclusion: A Bibliometric Review of Contributions Toward Achieving the SDGs. 4.
Danladi, S., Prasad, M. S. V., Modibbo, U. M., Ahmadi, S. A., & Ghasemi, P. (2023). Attaining Sustainable Development Goals through Financial Inclusion: Exploring Collaborative Approaches to Fintech Adoption in Developing Economies. Sustainability (Switzerland), 15(17), 1-14. https://doi.org/10.3390/su151713039
Elliv Hidayatul Lailiyah, M. B. F. (2024). Optimizing Digital Financial Inclusion to Achieve SDGs through Accelerating Womenpreneurs as Economic Empowerment. Management and Economics Journal, 8(3), 351-362.
Fajar, D. A., Tinggi, S., Ekonomi, I., Falah, D., Fauziah, F. N., Tinggi, S., Ekonomi, I., Falah, D., Tinggi, S., Ekonomi, I., & Falah, D. (2023). Evaluation of the Effectiveness of Sdgs- Based Environmental Economy Implementation in Improving Community Welfare and Saving Natural Resources in Indonesia. EI-Idaarah: Journal of Management, 3(1), 7-16.
Jemovic, M., Markovic, I., Ljajic, A., & Marinkovic, S. (2025). Network Readiness, Financial Inclusion, and Sustainable Development Goals: Insights from a Clustering Approach. Borsa Istanbul Review. https://doi.org/10.1016/j.bir.2025.05.013
Hadi, A., & Hanani, S. (2023). Analisis Pemikiran Ibnu Khaldun Terhadap Konsep Pendidikan Islam Perspektif Modern. Dewantara: Jurnal Pendidikan Sosial Humaniora, 2(4), 154–162.
Irfanda, H., Hanani, S., & Sesmiarni, Z. (2025). Teaching and Learning Process From The Perspective of The Quran-Hadith. Diniyyah Jurnal, 12(1), 1–11.
Lavanya, R., & Thavva, V. L. (2025). International Journal of Research Publications and Reviews Digital Financial Inclusion for Sustainable Development: Bridging the Gap in Emerging Economies. 6(4), 16699-16704.
Marza, B., Bratu, R., Serbu, R., Stan, S., & Oprean-Stan, C. (2021). Applying AHP and Fuzzy AHP Management Methods to Assess the Level of Financial and Digital Inclusion. Economic Computation and Economic Cybernetics Studies and Research, 55(4), 165-.
https://doi.org/10.24818/18423264/55.4.21.11
Muniarty, P., Dwiriansyah, M. S., Wulandari, W., Rimawan, M., & Ovriyadin, O. (2023). Effectiveness of QRIS Use as a Digital Transaction Tool in Bima City. Owner, 7(3), 2731- 2739. https://doi.org/10.33395/owner.v7i3.1766
Muninggar, R. A., Rahardiansah, T., Magister, S., Hukum, I., Trisakti, U., Hukum, F., & Trisakti,
U. (2024). Legal Empowerment of Digital Payment through the Use of Standardized Indonesian Quick Response Code Technology in Society. 6.
Ntaukira, J., Maliwichi, P., & Kamwachale Khomba, J. (2021). Factors That Determine Continuous Intention To Use Mobile Payments in Malawi. Proceedings of the 1St Virtual Conference on Implications of Information and Digital Technologies for Devvelopment, 669-684.
Putri Darwiyani, A., Ahda Mahira, A., & Maharani, M. (2023). The Phenomenon of QRIS Use in Creative Economy Development Towards Indonesia Emas 2045. Proceedings of the National Seminar on Independent Student Exchange, 1(1), 10-18.
Putri Handayani Leksono, N. (2023). Optimization of the Quick Response Code Indonesian Standard (QRIS) Payment System in Realizing Financial Inclusion. Nuance Journal: Publication of Management Science and Sharia Economics, 1(3), 362-370.
https://journal.arimbi.or.id/index.php/Nuansa/article/view/752%0Ahttps://journa l.arimbi.or.id/index.php/Nuansa/article/download/752/713
Putu Ria Astria. (2024). Evaluation of the Implementation of Qris-Based Economic Digitalization, Case Study of Banyuasri Traditional Market in Buleleng Regency. JIMAT (Scientific Journal of Accounting Students), 15 (03), 768-774.
Serrao, M., Sequeira, A., & Varambally, K. V. M. (2021). Impact of Financial Inclusion on the Socio-Economic Status of Rural and Urban Households of Vulnerable Sections in Karnataka. 1-28. http://arxiv.org/abs/2105.11716
Tay, L. Y., Tai, H. T., & Tan, G. S. (2022). Digital Financial Inclusion: A Gateway to Sustainable Development. Heliyon, 8(6), 1-10 https://doi.org/10.1016/j.heliyon. 2022.e09766
Widyastuti, U., Respati, D. K., Dewi, V. I., & Soma, A. M. (2024). The Nexus of Digital Financial Inclusion, Digital Financial Literacy and Demographic Factors: Lessons from Indonesia. Cogent Business and Management, 11(1), 1–9. https://doi.org/10.1080/23311975.2024.2322778
Suharti, S., Putri, S. R., Nizamudin, N., & Mulhimmah, B. R. (2025). The Dynamics of Legal Protection in Indonesia Against the Role of the Second Wife. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 1–16. https://doi.org/10.30983/al-hurriyah.v10i1.8953
Dewi, E., Nur, S., Hasibuan, B., & Ichsan, M. (2025). Gender Discourse in Islamic Family Law Between Text and Context. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 17–33. https://doi.org/10.30983/al-hurriyah.v10i1.8815
Pramudya Nawangsari, R., & S, C. W. (2025). Evolution of SEMA 2002 to PERMA 2016: Mediation and its Function in Family Problem Solving. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 34–54. https://doi.org/10.30983/al-hurriyah.v10i1.9248
Wibowo, E., & Humaidi, H. (2025). Analysis of Law No. 11 of 2012 on the Protection of the Rights of Children Who Commit Crimes from a Legal Sociology Perspective. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 55–66. https://doi.org/10.30983/al-hurriyah.v10i1.9209
Rafik Patrajaya, Aris Sunandar Suradilaga, & Anas Maulana. (2024). Sexuality and Gender Neutral for Men in the Perspective of Maqashid Al-Shari’ah. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 67–81. https://doi.org/10.30983/al-hurriyah.v10i1.9450
Fitri, A. R., Zufriani, Z., & Iskandar, N. (2025). Suku Duo Piak: Representation of Solidarity in the Wedding Feast Tradition in the Village of Semerah . Al-Hurriyah: Jurnal Hukum Islam, 10(1), 82–97. https://doi.org/10.30983/al-hurriyah.v10i1.9341
Muhammad-Lawal, A. A., Azizi Nik Abdullah, N. M. S., Efendi, F., & Januaris, F. (2025). Analysis of U.S. Geopolitical Impact on Taiwan’s Semiconductor Market through Sharia Principles. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 98–116. https://doi.org/10.30983/al-hurriyah.v10i1.9253
Abdul Majid, I., Ngardi, V., Wardi, U., Alom Harahap, S. S., & Afdhal, N. (2025). Dynamics of Agency and Ideological Dominance: Constructing Female Identity in Radical Networks in Indonesia. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 117–136. https://doi.org/10.30983/al-hurriyah.v10i1.7860
Edo Rahman, M., Syahriani, F., & Jampa, W. (2024). Islamic Law in the Digital Era: Artificial Intelligence as A Revolutionary Legal Tool in The 21st Century . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 102–115. https://doi.org/10.30983/al-hurriyah.v9i2.8545
Abdulsiddik, Y., & Afifah, S. (2024). Catha Edulis Consumption and its Effects on Economic and Social Well-Being in Yemen . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 116–131. https://doi.org/10.30983/al-hurriyah.v9i2.8581
Mayang Sari, M., Zufriani, Z., & Iskandar, N. (2024). Tradition Mulao Cucu Ayae After Marriage Contract in Sungai Liuk Village: Urf and Interactionism Approach. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 132–142. https://doi.org/10.30983/al-hurriyah.v9i2.8613
Rahmi, Y. R., Rozi, S., & Helfi, H. (2024). The Qaul Qadim and Qaul Jadid: A Sociological Review of The Evolution of Islamic Law. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 143–158. https://doi.org/10.30983/al-hurriyah.v9i2.8637
Alfarisi, S., & Arwani, M. K. (2025). The Influence of Modernization on the Phenomenon of Sirri Marriage Among Libyan Students from the Perspective of Islamic Family Law. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 159–170. https://doi.org/10.30983/al-hurriyah.v9i2.8549
Ahmidi, A., A.S. Pelu, I. E., & Noor Ihsan, R. (2025). The Role of Central Kalimantan Indonesian Ulama Council (MUI) in Encouraging Muslim Participation in Regional Elections: Perspective of Fatwa on Prohibition of Abstention . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 171–182. https://doi.org/10.30983/al-hurriyah.v9i2.8672
Rahmi, L., Ridha, S., Rahmi, R., Naali, B., & Andriyaldi, A. (2025). A Review of Urf on the Distribution of Dapua Coupons During Eid Al-Adha. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 183–193. https://doi.org/10.30983/al-hurriyah.v9i2.8075
Musarrofa, I., & Muttaqin, H. (2024). Maqasid Sharia Jasser Auda Theory: Systems Approach to Islamic Family Law in the Digital Era . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 194–208. https://doi.org/10.30983/al-hurriyah.v9i2.8979
Akhiroh, M. (2024). Exploring Weton Calculation for Wedding Dates: Insights From Javanese Culture and Islamic Perspectives . Al-Hurriyah: Jurnal Hukum Islam, 9(1), 1–12. https://doi.org/10.30983/alhurriyah.v9i1.8150
Qowiyul Iman, R., & Joni, J. (2024). Divorce and Its Practices Before A Religious Court; A Perspective Analysis of Islamic Legal. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 13–26. https://doi.org/10.30983/alhurriyah.v9i1.8066
Jannah, S., & Hairus Saleh. (2023). Deconstructing Sharia: A Critical Study of Abdullah Al-Naim’s Thought on Naskh. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 27–39. https://doi.org/10.30983/alhurriyah.v9i1.7973
Budiman, B., Rahmawati, R., Fikri, F., Aris, A., & Akhsan, M. (2023). The Urgency of Understanding Underage Marriage Law Due to Out of Wedlock Pregnancy for Students. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 40–53. https://doi.org/10.30983/alhurriyah.v9i1.8095
Hamdani, H., Yanto, F., & Afiza, F. N. (2024). Nikah Bacindua in The Perspective of Mashlahah Mursalah in South Batipuh District, Tanah Datar Regency, West Sumatra. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 54–66. https://doi.org/10.30983/alhurriyah.v9i1.8201
Sukiati, S., Yazid, I., & Irfan, M. (2024). Analysis of Sigli Syariah Court Judges’ Opinion On Ex-Husband’s Marriage During Their Ex-Wife’s Iddah Period. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 67–76. https://doi.org/10.30983/alhurriyah.v9i1.7771
Salleh, A. D. (2024). Confiscated Asset Management According to The Islamic Perspective. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 77–89. https://doi.org/10.30983/alhurriyah.v9i1.8465
Parut, W., Yufriadi, F., Ngardi, V., & Anggraini Rizki, M. (2024). Discrimination in the Registration of Marriages of Different Religions: Regulation and Practice in Southeast Asia. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 90–101. https://doi.org/10.30983/alhurriyah.v9i1.8544
Zaidah, Y., Ramadhan, S., & Hafidzi, A. (2023). Bitcoin as A Wedding Dowry : A Case of Marriage With A Dowry Whose Currency is Not Clear. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 83–92. https://doi.org/10.30983/al hurriyah.v8i2.5683
Arief, H., Al Hakim, M. A., & Fahmi, M. D. (2023). Family Portrait of Sakinah and Maslahah in the Modern Era (Perspectives of M. Quraish Shihab and Imam Al-Syatibi). Al-Hurriyah: Jurnal Hukum Islam, 8(2), 93–100. https://doi.org/10.30983/al hurriyah.v8i2.7527
Fitri, D. R., Miswardi, M., Yufriadi, F., Refliandi, I., & B, S. (2023). The Dynamics of Identity Politics In Indonesia: A Study of Nurcholish Madjid’s. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 101–114. https://doi.org/10.30983/al hurriyah.v8i2.6751
Fauzi, A. R., & Sulaeman, D. (2024). Ethics of Public Advertising: The Effectiveness of Amar Ma’ruf Nahi Munkar (Islamic Legal Perspective). Al-Hurriyah: Jurnal Hukum Islam, 8(2), 115–123. https://doi.org/10.30983/al hurriyah.v8i2.6334
Pratama, J. (2023). Restorative Justice in Resolving Criminal Cases of Child Abuse From an Islamic Legal Perspective. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 124–133. https://doi.org/10.30983/al hurriyah.v8i2.7307
Rohman, M. F. (2023). The Practice and Prohibition of Customary Marriage in Nglawak Indigenous Peoples, Nganjuk Islamic Legal Perspective. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 134–148. https://doi.org/10.30983/al hurriyah.v8i2.6152
