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Title: | Dampak Uang Elektronik terhadap Inklusi Keuangan di Indonesia: Implikasi pada Central Bank Digital Currency |
Other Titles: | The Impact of Electronic Money on Financial Inclusion in Indonesia: Implication for Central Bank Digital Currency |
Authors: | Juanda, Bambang Ahmad, Fahmi Salam Setyowawan, Dwi |
Issue Date: | 2023 |
Publisher: | IPB University |
Abstract: | Tren digitalisasi transaksi pembayaran dalam satu dekade terakhir telah merevolusi perilaku pelaku ekonomi. Perilaku konsumsi belanja masyarakat semakin beralih secara online bersamaan dengan kemudahan sistem pembayaran yang serba mobile, cepat, dan pada saat yang sama tetap aman. Hal ini meningkatkan penggunaan uang elektronik sebagai alat pembayaran di Indonesia. Dampak penggunaan uang elektronik memungkinkan meningkatkan inklusi keuangan karena kemudahan akses layanan keuangan digital dapat meningkatkan partisipasi kelompok masyarakat yang tidak dapat dijangkau oleh layanan keuangan tradisional. Penelitian ini bertujuan untuk menganalisis dampak uang elektronik terhadap inklusi keuangan di Indonesia dan implikasinya pada Central Bank Digital Currency. Metode yang digunakan adalah analisis deskriptif dan regresi data panel dengan variabel dummy. Objek yang diteliti adalah provinsi-provinsi di Indonesia pada periode tahun 2017-2021. Hasil penelitian ini menunjukkan bahwa variabel uang elektronik, Indeks Pembangunan Teknologi Informasi dan Komunikasi, dummy Pulau Jawa, PDRB per kapita, dan Pengeluaran Pemerintah Daerah berpengaruh positif signifikan terhadap inklusi keuangan. Sedangkan variabel dummy COVID-19 berpengaruh negatif signifikan terhadap inklusi keuangan. The trend of digitizing payment transactions over the last decade has revolutionized the behavior of economic actors. People's consumption behavior has been gradually shifting towards online shopping, along with the change in payment systems that are more mobile, fast, while at the same time maintain its security. This has increased the use of electronic money as a means of payment in Indonesia. The impact of the use of electronic money allows increasing financial inclusion because the ease of access to digital financial services can increase the participation of community groups that cannot be reached by traditional financial services. This study aims to analyze the impact of electronic money on financial inclusion in Indonesia and its implications for Central Bank Digital Currency. The methods used are descriptive analysis and panel data regression with dummy variables. The objects studied were provinces in Indonesia from the 2017–2021 period. The results of this study indicate that the variables of electronic money, Information and Communication Technology Development Index, Java Island dummy, GRDP per capita, and Local Government Expenditure have a significant positive effect on financial inclusion. Meanwhile, the COVID-19 dummy variable has a significant negative effect on financial inclusion. |
URI: | http://repository.ipb.ac.id/handle/123456789/121187 |
Appears in Collections: | UT - Economics and Development Studies |
Files in This Item:
File | Description | Size | Format | |
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Cover, Lembar Pengesahan, Prakata, Daftar Isi.pdf Restricted Access | Cover | 289.19 kB | Adobe PDF | View/Open |
H14190047_Dwi Setyowawan.pdf Restricted Access | Fullteks | 1.2 MB | Adobe PDF | View/Open |
Lampiran.pdf Restricted Access | Lampiran | 339.75 kB | Adobe PDF | View/Open |
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