Putri, IrmaAidilia (2015) Pengaruh Perkembangan Cashless Transaction Terhadap Kebutuhan Uang Tunai (Kartal) Masyarakat (Studi Kasus Indonesia Periode 2010 – 2014. Sarjana thesis, Universitas Brawijaya.
Abstract
Seiring berjalannya waktu, perkembangan teknologi informasi dan ilmu pengetahuan yang semakin pesat telah memberikan peranan ke segala sektor, salah satunya sektor keuangan dan perbankan yang telah menghadirkan alat pembayaran non tunai (cashless). Jika dikaitkan dengan teori permintaan uang tentang opportunity cost of holding money, biaya yang hilang saat memegang uang tunai daripada non tunai adalah hilangnya keuntungan berupa diskon belanja, bunga, dan manfaat dari pembayaran non tunai. Sebagai pelaku ekonomi dalam mengalokasikan bentuk kekayaan (uang) akan mempertimbangkan keuntungan dan kerugian. Adanya keuntungan dengan memegang uang dalam bentuk non tunai akan membuat pelaku ekonomi memegang uang dalam bentuk non tunai dan mengubah perilaku masyarakat dalam hal bertransaksi. Hal tersebut akan mengurangi kebutuhan uang tunai yang pada akhirnya akan mengurangi jumlah uang tunai yang diedarkan Bank Indonesia. Dengan menggunakan metode analisis Error Correction Model akan melihat dampak dari hadirnya instrumen-instrumen cashless diantaranya kartu debet/ATM, kartu kredit, dan emoney terhadap kebutuhan uang tunai masyarakat di Indonesia dalam jangka pendek dan jangka panjang. Hasil penelitian menunjukan cashless transaction belum bisa mengurangi jumlah kebutuhan uang tunai masyarakat di Indonesia sehingga belum bisa menurunkan jumlah uang tunai yang diedarkan oleh Bank Indonesia.
English Abstract
Over time, the development of information technology and science has given the rapidly increasing role in all sectors including finance and banking sector which has presented a non -cash payment instruments (cashless). If related to the theory of demand for money on the opportunity cost of holding money, the cost of which is lost when holding cash rather than a non -cash is a loss of profits in the form of discount shopping , interests , and the benefits of non-cash payments. As economic actors in allocating forms of wealth (money) will consider the advantages and disadvantages. A gain by holding the money in the form of non-cash would make economic agents hold money in the form of non-cash and change peoples behavior in terms of the transaction. This will reduce the need for cash, which in turn will reduce the amount of cash in circulation of Bank Indonesia. By using the method of analysis Error Correction Model will see the impact of the presence of such cashless instruments debit card/ATM, credit card, and emoney against the cash needs of society in Indonesia in the short term and long term. The results showed cashless transactions have not been able to reduce the amount of the cash needs of society in Indonesia so it can not decrease the amount of cash in circulation by Bank Indonesia.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2015/156/051502572 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Budi Wahyono Wahyono |
| Date Deposited: | 02 Apr 2015 13:33 |
| Last Modified: | 28 Oct 2021 07:17 |
| URI: | http://repository.ub.ac.id/id/eprint/107727 |
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