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Improving zakat management with QRIS A system thinking approach to boost financial literacy and inclusion
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May 27, 2025
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June 26, 2025
Published
June 28, 2025
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Abstract

Introduction
Zakat management in Indonesia faces operational inefficiencies, low digital adoption, and limited financial inclusion, especially in underserved areas. The introduction of QRIS (Quick Response Code Indonesian Standard) as a digital payment system presents an opportunity to improve zakat collection, transparency, and accessibility. However, systemic barriers such as low zakat literacy, limited trust, infrastructure gaps, and regulatory challenges hinder optimal adoption.
Objectives
This study aims to analyze the systemic factors influencing QRIS adoption in zakat management. It investigates how variables such as zakat literacy, digital literacy, user trust, infrastructure, and policies interact to affect digital zakat ecosystems in Indonesia.
Method
The research employs a System Thinking approach, utilizing qualitative methods including expert interviews, document analysis, and literature triangulation. A Causal Loop Diagram (CLD) is developed to map feedback loops among macro, micro, interface, and policy-level factors, enabling identification of leverage points for strategic interventions.
Results
Findings reveal that increasing zakat and digital literacy significantly enhances user trust and QRIS adoption, forming a reinforcing feedback loop. However, high transaction costs and inadequate infrastructure create balancing loops that impede adoption. Comparative insights from Malaysia, Pakistan, and Gulf countries support the importance of Shariah compliance and regulatory clarity in building trust.
Implications
This study highlights the need for integrated strategies combining financial and digital literacy programs, regulatory reforms, and infrastructure investments to promote equitable and sustainable digital zakat systems in Indonesia. It offers actionable insights for policymakers, Islamic financial institutions, and zakat organizations.
Originality/Novelty
This study contributes to the limited literature on digital zakat management by applying a System Thinking approach—an analytical method rarely used in Islamic finance. Using a Causal Loop Diagram (CLD), it visualizes dynamic interconnections and feedback loops between trust, cost, infrastructure, and Shariah legitimacy. This feedback-based framework offers a more holistic view than conventional linear models such as TAM or UTAUT, providing practical insights for improving Sharia-compliant financial inclusion.

Keywords

digital zakat financial inclusion financial literacy policy alignment QRIS adoption Sharia-compliant innovation system thinking

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Copyright (c) 2025 Vita Sarasi, Denny Sidharta, Afrizal Fadillah, Sulthonul Aulia, Joval Ifghaniyafi Farrasc, Muhammad Fahri Setiono

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How to Cite
Sarasi, V. ., Nugraha, D. S. ., Fadillah, A., Aulia, S. ., Farras, J. I. ., & Fahri Setiono, M. . (2025). Improving zakat management with QRIS: A system thinking approach to boost financial literacy and inclusion. Journal of Islamic Economics Lariba, 11(1), 333–356. https://doi.org/10.20885/jielariba.vol11.iss1.art13
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