Pengaruh Nilai Transaksi Uang Elektronik terhadap Jumlah Deposito dan Kredit Domestik di Indonesia
Laras Syarafina Mazaya, Muhammad Edhie Purnawan, M.A., Ph.D.
2025 | Skripsi | ILMU EKONOMI
Penelitian ini bertujuan untuk menganalisis dampak nilai
transaksi uang elektronik terhadap deposito dan kredit domestik di Indonesia.
Penelitian menggunakan data deret waktu bulanan yang terdiri dari 177 data pada
periode Januari 2010 hingga September 2024. Melalui metode Autoregressive
Distributed Lag - Error Correction Model (ARDL-ECM), hasil utama penelitian
menunjukan bahwa nilai transaksi uang elektronik berdampak positif terhadap
deposito dan kredit domestik baik dalam jangka pendek dan jangka panjang.
Sementara itu, hasil variabel kontrol makroekonomi (nilai tukar, suku bunga
deposito, suku bunga kredit, BI rate, dan M2) serta sektor perbankan (non-performing
loan dan loan-to-deposit ratio) memiliki arah pengaruh variabel yang
telah sesuai dengan teori dan literatur terdahulu. Namun, variabel dummy
periode awal dan pemulihan pandemi ditemukan tidak signifikan mempengaruhi
dampak uang elektronik terhadap deposito dan kredit domestik.
This study
aims to analyze the impact of electronic money transaction value on domestic
deposits and credit in Indonesia. The research utilizes monthly time series
data consisting of 177 observations from the period of January 2010 to
September 2024. Using the Autoregressive Distributed Lag - Error Correction
Model (ARDL-ECM), the main findings indicate that the value of electronic money
transactions has a positive effect on both domestic deposits and credit in the
short and long term. Meanwhile, the control variables related to macroeconomic
conditions (exchange rate, deposit interest rate, lending interest rate, BI
rate, and M2) and the banking sector (non-performing loans and loan-to-deposit
ratio) show effects that align with existing theories and previous literature.
However, dummy variables representing the early and recovery phases of the
pandemic were found to have no significant impact on the relationship between
electronic money and domestic deposits or credit.
Kata Kunci : kebijakan moneter, uang elektronik, deposito, kredit domestik, sistem pembayaran digital
