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All Journal Jurnal Ilmiah Mahasiswa FEB Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi
Hanum Salsabilla
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Economics, Econometrics & Finance Education

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THE EFFECT OF NON-CASH TRANSACTIONS ON COMMERCIAL BANK CREDIT CHANNELING AND ITS IMPLICATIONS ON ECONOMIC GROWTH Hanum Salsabilla
Jurnal Ilmiah Mahasiswa FEB Vol 5, No 2: Semester Genap 2016/2017
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (550.313 KB)

Abstract

This study is based on the start of the evolution of payment system that is driven by technology development, which can be seen in recent change of the use of cash transaction to be non-cash transaction in Indonesia. The purpose of this paper is to test the impact non-cash transaction on credit channeling and how it stimulates the economy. This study represents the transaction number of credit card, debit card, e-money, clearing, and Real Time Gross Settlement. By using multiple linear regression, the impact of these representatives on commercial bank lending are tested. The result confirms that only credit card, debit card, and Real Time Gross Settlement affect the credit channeled. However, all transactions affect altogether on credit channeling. Previous studies examine the direct source of fund for banks, which will be released in the form of lending for the society, but ignores the payment system evolution that changes the source’s behavior. This paper contributes to the literature by examining and representing the impact of technology development on payment system, society’s behavior, government’s response, and shows their effects on bank’s intermediary function in the form of credit, which further stimulates the economy.Keywords: credit channeling, non-cas transaction, money multipiler, payment system evolution
PENGARUH INDEKS PEMBANGUNAN MANUSIA DAN TINGKAT PENGANGGURAN TERBUKA TERHADAP KEMISKINAN DI PROVINSI JAWA TIMUR 2010-2024 Elvira Dinda Kurniasari; Hanum Salsabilla; Fransiska Clarita Saputri Rani; I Made Suparta
Widya Balina Vol. 11 No. 1 (2026): Widya Balina - Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/wb.v11i1.976

Abstract

Kemiskinan masih menjadi permasalahan yang dihadapi oleh Provinsi Jawa Timur. Kondisi ini dipengaruhi oleh berbagai faktor, diantaranya Indeks Pembangunan Manusia (IPM) dan Tingkat Pengangguran Terbuka (TPT). Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder berbentuk deret waktu (time series) periode 2010–2024 yang diperoleh dari Badan Pusat Statistik (BPS) Provinsi Jawa Timur. Teknik analisis yang digunakan adalah regresi linier berganda dengan bantuan program EViews. Hasil penelitian menunjukkan bahwa secara parsial IPM memiliki pengaruh negatif dan signifikan terhadap kemiskinan di Provinsi Jawa Timur, sedangkan TPT berpengaruh positif namun tidak signifikan. Secara simultan, IPM dan TPT berpengaruh signifikan terhadap tingkat kemiskinan di Provinsi Jawa Timur. Temuan ini menunjukkan bahwa peningkatan kualitas pembangunan manusia melalui aspek pendidikan, kesehatan, dan standar hidup yang layak dapat menjadi salah satu strategi dalam menurunkan tingkat kemiskinan di Provinsi Jawa Timur.
Co-Authors Elvira Dinda Kurniasari Fransiska Clarita Saputri Rani I Made Suparta