Analisis Pengaruh Penggunaan Alat Pembayaran Menggunakan Kartu (APMK) dan Uang Elektronik Terhadap Jumlah Uang Beredar Periode 2009- 2019

Azaria Ahmad Fadillah


Advances in technology have led to changes in the payment system. With this progress, the payment system which was previously known only by using cash has begun to be replaced by a non-cash payment instrument. The payment instrument itself is an instrument that can be used for transactions. In principle, there are four policies in which non-cash payment instruments represent one of them, namely efficiency. Bank Indonesia as monetary authorities in Indonesia has a task for organize and maintain smooth and overseeing the payment system, either in cash payment system and non-cash payment system. With the non-cash payment system, it will affect the demand and the money supply in the community. This study aims to see how the short and long term effects of the non-cash payment system on the money supply in Indonesia. In this study, non-cash payment system represented by Through Card and electronic  money. This study use quantitative research methods and using Error Correction Model (ECM) with time series data. The result showed that both in the long-term and short-term variable transaction value of ATM+Debit and transaction value of electronic money effect on money supply (M1) in Indonesia.

Keywords: Non-cash Payment System, Though Card, Electronic Money, Money Supply (M1), Error Correction Model (ECM).

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