Maharani, Farizqi Dwi and Vietha Devia, SS, SE., ME., Ph.D. (2023) Volume Transaksi Non Tunai Di Indonesia: Bagaimana Digitalisasi Dan Variabel Makroekonomi Mempengaruhinya. Sarjana thesis, Universitas Brawijaya.
Abstract
Perkembangan teknologi berdampak pada sistem pembayaran di indonesia yang semula pembayaran banyak dilakukan menggunakan uang tunai, kini bertransformasi menggunakan uang elektronik. Dengan adanya perubahan pola transaksi masyarakat membuat volume transaksi non tunai di indonesia dari tahun ke tahun mengalami peningkatan. Selain adanya perkembangan teknologi, diduga adanya pengaruh makro ekonomi juga menjadi faktor meningkatnya volume transaksi non tunai. Penelitian ini dilakukan untuk mengetahui pengaruh digitalisasi dan variabel makroekonomi terhadap volume transaksi non tunai di Indonesia pada tahun 2012 – 2021. Alat analisis data yang digunakan adalah analisis regresi linear berganda. Tujuan menggunakan analisis regresi linear berganda adalah mengetahui seberapa besar pengaruh variabel independent terhadap variabel dependent. Hasil penelitian ini secara parsial menunjukkan bahwa E-Money berpengaruh positif dan signifikan terhadap volume transaksi non tunai, jumlah penduduk berpengaruh negative dan tidak signifikan terhadap volume transaksi non tunai, PDB berpengaruh positif dan signifikan terhadap volume transaksi non tunai di indonesia tahun 2012 2021. Sedangkan secara simultan menunjukkan bahwa E-Money, Jumlah Penduduk, dan PDB bersama-sama berpengaruh signifikan terhada volume transaksi non tunai di indonesia tahun 2012 2021.
English Abstract
Technological developments have had an impact on the payment system in Indonesia, where previously most payments were made using cash, but now they are made using electronic money. With changes in public transaction patterns, the volume of non-cash transactions in Indonesia has increased from year to year. In addition to technological developments, it is suspected that macroeconomic influences are also a factor in the increase in the volume of non-cash transactions. This research was conducted to determine the effect of digitization and macroeconomic variables on the volume of non-cash transactions in Indonesia in 2012–2021. The data analysis tool used is multiple linear regression analysis. The purpose of using multiple linear regression analysis is to find out how the independent variable on the dependent variable. The results of this study partially show that E-Money has a positive and significant effect on the volume of non-cash transactions, the population has a negative and insignificant effect on the volume of non-cash transactions, and the GDP has a positive and significant effect on the volume of non-cash transactions in Indonesia in 2012–2021. While simultaneously showing that E-money, population, and GDP together have a significant effect on the volume of non-cash transactions in Indonesia in 2012–2021
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020231 |
| Uncontrolled Keywords: | Volume Transaksi Non Tunai, E-Money, Jumlah Penduduk, PDB |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 07 Dec 2023 02:26 |
| Last Modified: | 07 Dec 2023 02:26 |
| URI: | http://repository.ub.ac.id/id/eprint/205007 |
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Text (DALAM MASA EMBARGO)
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