AWALLUNA, KHARISMA ZAHRO (2025) PENGARUH FAKTOR EKONOMI MAKRO DAN PEMBANGUNAN TEKNOLOGI INFORMASI TERHADAP PEREDARAN E-MONEY DAN BASE MONEY DI INDONESIA. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study aims to examine the impact of Information and Communication Technology (ICT) development on the circulation of e-money and base money in Indonesia between 2017 and 2022. The background of the research lies in the digital transformation of the national payment system and shifts in public behavior regarding payment methods. The method used is panel data regression, covering 34 provinces. The dependent variables are the circulation of e-money and base money, while the independent variables include BI7DRR (interest rate),Consumer Price Index (CPI), Gross Regional Domestic Product (GRDP), and the ICT Development Index (IP-TIK). The results show that ICT and GRDP have a significant positive influence on both e-money and base money. Interest rate positively affects base money but negatively affects e-money, while inflation only has a significant effect on base money. These findings confirm the important role of ICT and economic growth in enhancing both digital and traditional payment systems. However, e-money still serves as a complement rather than a substitute for base money. The study recommends improving digital financial literacy and expanding equitable ICT infrastructure to support national financial inclusion.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh pembangunan Teknologi Informasi dan Komunikasi (TIK) terhadap jumlah uang beredar dalam bentuk emoney dan base money di Indonesia selama periode 2017–2022. Studi ini dilatarbelakangi oleh transformasi digital dalam sistem pembayaran nasional dan perubahan perilaku masyarakat dalam menggunakan alat pembayaran. Metode yang digunakan adalah regresi data panel dengan cakupan 34 provinsi. Variabel dependen terdir atas JUB E-money dan Base money, sementara variabel independen meliputi BI7DRR (suku bunga acuan), Indeks Harga Konsumen (IHK), Produk Domestik Regional Bruto (PDRB), dan Indeks Pembangunan TIK (IP-TIK). Hasil penelitian menunjukkan bahwa IP-TIK dan PDRB berpengaruh positif dan signifikan terhadap peredaran e-money dan base money. Suku bunga berpengaruh positif terhadap base money namun negatif terhadap e-money, sedangkan inflasi hanya berpengaruh signifikan terhadap base money. Temuan ini menegaskan bahwa pembangunan TIK dan pertumbuhan ekonomi memiliki peran penting dalam mendorong sistem pembayaran digital maupun konvensional. Namun demikian, e-money masih bersifat pelengkap terhadap base money, bukan sebagai pengganti. Penelitian ini merekomendasikan peningkatan literasi keuangan digital dan pembangunan infrastruktur TIK yang lebih merata untuk mendukung inklusi keuangan nasional. | |||||||||
| Uncontrolled Keywords: | Information and Communication Technology, E-money, Base money, Panel Data, Payment System, Monetary Policy Teknologi Informasi dan Komunikasi, E-money, Base money, Panel Data, Sistem Pembayaran, Kebijakan Moneter | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 60201-Program Sarjana Ilmu Ekonomi Pembangunan |
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| Depositing User: | kharisma zahro awalluna | |||||||||
| Date Deposited: | 11 Aug 2025 04:00 | |||||||||
| Last Modified: | 11 Aug 2025 04:00 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/51497 |
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