The Influence of Transaction Values on Debit Card, Credit Card and E-Money toward Gross Domestic Product in Indonesia (Period 2009-2018)

Maramis, Werren Rossalin Nathalie and Koleangan, Ch. Adrie and Turambi, Joseph J. A. (2019) The Influence of Transaction Values on Debit Card, Credit Card and E-Money toward Gross Domestic Product in Indonesia (Period 2009-2018). Skripsi thesis, UNIVERSITAS KATOLIK DE LA SALLE.

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Official URL: http://digilib.unikadelasalle.ac.id/

Abstract

Payment tools can be said to be developing very rapidly and progressively. At the beginning of the payment instrument was known, the barter system between goods traded was common in the pre-modern era. In its development, a certain unit that has the value of payment is money. Money has become a common and legitimate means of payment in Indonesian community in Indonesia from year to year. But over time with increasingly rapid technological developments, physical currency began to evolve into non-physical or non-cash money which later became a modern payment system in transactions. community in Indonesia. Directly supported by Bank Indonesia as the monetary authority continues to encourage people to become accustomed to using Less Cash Society (LCS) because the use of currency has problems in terms of efficiency and cash handling problems, also because the use of non-cash payment instruments will accelerate money circulation will encourage more goods and services that can be transacted so as to encourage the economy to become better.
Debit Cards, Credit Cards and Electronic Money are types of non-cash payment instruments as a factor to see how economic growth in Indonesia. The purpose of this study to find out the influence of transaction value on Debit Cards, Credit Cards and Electronic Money as an independent variable on Economic Growth in Indonesia which is calculated through Gross Domestic Product (GDP) on the basis of constant prices as the dependent variable. The analysis method used in this study is multiple linear regression analysis. The data in this study were processed using SPSS 22.
The results of the study, the Ttable obtained was 1,657 and Tcount from the Debit Card = 0.883, Credit Card = 6,707, and Electronic Money = 2,303. The results of the T test show that the value on the Debit Card Tcount <Ttable and on the Credit Card and E-Money Tcount>Ttable. This means that Debit Cards have no significant infuence on Gross Domestic Product in Indonesia, while Credit Cards and Electronic Money have a significant influence on Gross Domestic Product in Indonesia. From the results of the F test, it is found that Fcount (96,855)> Ftable (2.68). Then the results of the conclusions are Debit Cards, Credit Cards and Electronic Money together have a significant influence on Gross Domestic Product in Indonesia Period 2009-2018.

Keywords : Debit Card, Credit Card, E-Money, Gross Domestic Product, Economic Growth

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Thesis (Skripsi)

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