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Journal : Jurnal Natapraja : Kajian Ilmu Administrasi Negara

The Theoretical Framework of Cashless Payment Systems in Indonesia: Analyzing Condition in Different Era’s Septiningrum, Lutfia; Agustanta, Nainta; Ahdiyana, Marita; Wahyu Widianto, Hardian; Pambudi, Argo
Natapraja Vol. 12 No. 1 (2024): Policy Issues
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/natapraja.v12i1.85298

Abstract

This study explores the influence of government policies and initiatives across different presidential eras in Indonesia on the development and adoption of cashless payment systems, with a particular focus on the implementation of QRIS (Quick Response Code Indonesian Standard). It examines how these policies, including digital literacy programs and regulatory frameworks, have shaped public perceptions and acceptance of digital payment solutions. The research also investigates the social, economic, and technological factors that contribute to the increasing acceptance of cashless payments and their impact on financial inclusion and economic behaviors. The findings indicate that government efforts, such as promoting QRIS and enhancing financial regulations, have significantly accelerated the transition from cash-based to digital transactions, especially during the COVID-19 pandemic. However, challenges remain, particularly concerning low digital financial literacy (around 25%) and security threats such as fraud and fake QR codes. Overall, the rapid growth in QRIS users—reaching over 48 million consumers and 32 million merchants as of 2024—demonstrates a positive trajectory toward Indonesia’s goal of a more inclusive, efficient, and secure cashless economy. The study underscores the importance of continued policy support, public education, and technological innovations to overcome existing barriers and sustain the momentum of Indonesia’s digital payment transformation
CRISIS-RESPONSIVE SOCIAL PROTECTION: COUNTERFACTUAL EVIDENCE ON POVERTY REDUCTION FROM INDONESIA'S RESPONSE TO COVID-19 Haryaningsih, Sri; Andriani, Farah Devi; Pambudi, Argo; Seran, Silverius Tey; Sihaloho, Nahot Tua Parlindungan
Natapraja Vol. 12 No. 1 (2024): Policy Issues
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/natapraja.v12i1.88630

Abstract

This article assesses the crisis-response performance of Indonesia's social protection in reducing poverty amidst the COVID-19 pandemic. Based on a quasi-experiment framework and counterfactual method, we take advantage of the staggered rollout and varying intensity of emergency assistance to infer poverty results under a counterfactual situation of no program intervention. Based on nationally representative household surveys matched with administrative records, our estimates indicate that the swift growth of cash and food assistance programs saved the country from an extra four percentage point rise in the national poverty rate, thereby keeping nearly 11 million individuals from descending into poverty. The effects were the largest for the poorest families, where social assistance accounted for as much as 22 percent of expenditures on a monthly basis. Robustness checks using other poverty lines and placebo tests validate the robustness of these findings. Yet, targeting accuracy and coverage of informal sector workers remain concerns. The findings underscore the essential importance of administrative preparedness and unified data systems for an effective crisis response, and provide policy implications for enhancing the resilience of social protection institutions in developing nations.