Blog

Assessment of the implementation and usage of QRIS among small and micro-merchants in Indonesia

Posted on by MSC

Quick Response Code Indonesian Standard (QRIS) is one of Bank Indonesia’s (BI) initiatives to overcome some challenges in the digital era. QRIS is a key initiative of BI’s Indonesia Payment Systems Blueprint 2025 to strengthen the retail payment system.

QRIS was launched in August, 2019. Two years after its launch, it provides a cost-effective and efficient payment option to small- and micro-merchants. MSC conducted a study to analyze the implementation status, report the challenges, and identify the opportunities to increase QRIS usage in Indonesia.

Potential impact of PM Kisan on the agricultural outcomes

Posted on by MSC

This strategic insight deck maps how beneficiary farmers use the PM Kisan benefit amount in various agriculture activities. It also highlights the potential long-term impact of such usage patterns on agricultural outcomes.

PM Kisan: Benefit amount withdrawal

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It intends to support the country’s farmers through a transfer of 25 USD every four months in their bank accounts, amounting to INR 75 USD annually since the PM Kisan program started in 2018. The study also covered the beneficiaries’ experience in withdrawing and using the benefit. This compilation illustrates which withdrawal points the beneficiaries prefer and what factors push them to choose one point over others.

Insights note, edition 2: Supply chains of informal enterprises

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The second of this series of notes, the Insights note, edition 2, covers insights into the supply chains of informal enterprises. The frequency of transactions with suppliers is a major determinant in defining the type of supply chains for informal enterprises. The note discusses examples from the Financial Diaries research on the informal enterprises in each kind of supply chain. The insight note focuses on the supply chains of grocery shops with the maximum scope of intervention and provides recommendations. It also delves into other aspects of supply chains critical for IEs, such as modes of payment, credit periods availed from suppliers, and how IEs try to maximize their margins with suppliers.

PM Kisan: Scheme inclusion and targeting

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This strategic insights deck discusses the program targeting and examines how it included farmers from varied backgrounds and categories. It also highlights practices from several states to minimize the wrongful inclusion of ineligible beneficiaries.

Building state capacity

Posted on by MSC

India has come a long way since independence but lags on some key indicators in social sectors and infrastructure. India’s ability to ensure more favorable outcomes is hindered severely by underlying capacity issues that cut across domains, such as finance, process, and people.

MSC works with various governments and sectors to improve state capacity by deploying digital tools. Watch this video to learn more about MSC’s work in building state capacity.