Evaluation of QRIS Effectiveness in Promoting Financial Inclusion and Achieving Sustainability Development Goals (SDGs)

Ferdi Prayoga; Eli Febriani; Mutia Febrina Sari

Authors

Ferdi Prayoga UIN Sjech M.Djamil Djambek Bukittiggi
Eli Febriani UIN Sjech M.Djamil Djambek Bukittiggi
Mutia Febrina Sari UIN Sjech M.Djamil Djambek Bukittiggi

Keywords:

Effectiveness, QRIS, Financial Inclusion, SDGs

Abstract

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.

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