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Analysis of Factors Affecting Electronic Money Transactions in Indonesia

Economics Development Analysis Journal · Vol. 12 No. 1 (2023) · hlm. 114–128

DOI
10.15294/edaj.v12i1.61372
ISSN
2252-6560
Terbit
2023-03-14
Penerbit
Economics Development Department, Universitas Negeri Semarang, Indonesia
Bahasa
eng

Abstrak

Electronic money is money that is a new and attractive way of payment system in Indonesia. However, cashless transactions in Indonesia still lag behind other countries in the Southeast Asian region. Currently, the increase in electronic money transactions in Indonesia has not been accompanied by a decrease in banknotes. This study aims to analyze and determine the effect of destroyed banknotes / money unfit for circulation, economic growth, the amount of time deposits, credit interest rates, and the Consumer Price Index (CPI) on electronic money transactions in Indonesia. This study uses Autoregressive Distributed Lag analysis using time series data. The results show that destroyed banknotes / money unfit for circulation has a negative and significant effect to electronic money transactions in the short run and in the long run. Economic growth has a positive effect in the short run and in the long run. The amount of time deposits has an effect in the short run and in the long run. Credit interest rates have no effect in the short run but have a negative and significant effect in the long run. And the CPI does not have a significant effect both in the short and long run.

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  • State University of Semarang
  • Universitas Media Nusantara Citra
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Rusdarti RusdartiAfiliasi tidak diketahui3
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Shanty OktaviliaAfiliasi tidak diketahui1
Dwi Tri Mega RahayuAfiliasi tidak diketahui1
Sucihatiningsih Dian Wisika PrajantiState University of Semarang1
Dini Mellinda KrisnawatiAfiliasi tidak diketahui1
Ahmad Syahrul FauziAfiliasi tidak diketahui1
Luthfi Ibnu TsaniAfiliasi tidak diketahui1
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Achyarnis Lilik AndrietyaAfiliasi tidak diketahui1
Sucihatiningsih Dian Wisika PrajantiAfiliasi tidak diketahui1
Sami Saeeid MohammadAfiliasi tidak diketahui1
Arief YuliantoUniversitas Media Nusantara Citra1
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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/edaj/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 5 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Analysis of Factors Affecting Electronic Money Transactions in Indonesia</dc:title>
	<dc:creator>Setyadharma, Andryan</dc:creator>
	<dc:creator>Iskandar, Muhammad Roy Joni</dc:creator>
	<dc:description xml:lang="en-US">Electronic money is money that is a new and attractive way of payment system in Indonesia. However, cashless transactions in Indonesia still lag behind other countries in the Southeast Asian region. Currently, the increase in electronic money transactions in Indonesia has not been accompanied by a decrease in banknotes. This study aims to analyze and determine the effect of destroyed banknotes / money unfit for circulation, economic growth, the amount of time deposits, credit interest rates, and the Consumer Price Index (CPI) on electronic money transactions in Indonesia. This study uses Autoregressive Distributed Lag analysis using time series data. The results show that destroyed banknotes / money unfit for circulation has a negative and significant effect to electronic money transactions in the short run and in the long run. Economic growth has a positive effect in the short run and in the long run. The amount of time deposits has an effect in the short run and in the long run. Credit interest rates have no effect in the short run but have a negative and significant effect in the long run. And the CPI does not have a significant effect both in the short and long run.</dc:description>
	<dc:publisher xml:lang="en-US">Economics Development Department, Universitas Negeri Semarang, Indonesia</dc:publisher>
	<dc:date>2023-03-14</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/edaj/article/view/61372</dc:identifier>
	<dc:identifier>10.15294/edaj.v12i1.61372</dc:identifier>
	<dc:source xml:lang="en-US">Economics Development Analysis Journal; Vol 12 No 1 (2023): Economics Development Analysis Journal; 114-128</dc:source>
	<dc:source>2252-6560</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/edaj/article/view/61372/23926</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2023 Economics Development Analysis Journal</dc:rights>
</oai_dc:dc>