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Mekanisme Lalu Lintas Pembayaran Luar Negeri dalam Kegiatan Ekspor Dea Dellia; Dwi Ananda; Lilis Apriyaningsih; Windi Aulia; Dwita Sakuntala
Jurnal Penelitian Ekonomi Manajemen dan Bisnis Vol. 4 No. 1 (2025): Jurnal Penelitian Ekonomi Manajemen dan Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jekombis.v4i1.4785

Abstract

This study aims to discuss the foreign payment traffic mechanism in export and import activities, which is an important aspect of international trade. In the current context of globalization, trade transactions cannot be carried out only by relying on direct relations between exporters and importers. It requires oversight from multilateral institutions, such as the World Trade Organization (WTO), to ensure smoothness and fairness in such transactions. An effective payment mechanism is essential to ensure that payments are made on time and in accordance with the agreement, thus increasing trust between the parties involved. This research uses a qualitative approach with data collection through literature study, document analysis, and interviews with experts in the field of international trade and banking.
Peranan dan Strategi Bank Sentral dalam Menjaga Stabilitas Sistem Keuangan Dea Dellia; Dwi Ananda; Lilis Apriyaningsih; Windi Aulia; Dwita Sakuntala
Journal Economic Excellence Ibnu Sina Vol. 3 No. 1 (2025): Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v3i1.2308

Abstract

The article discusses the role and strategies of the Central Bank and the Government in maintaining financial system stability, which is crucial for the effective functioning of market economies. A stable financial system is essential for rational decision-making regarding resource allocation and enhancing the investment climate. Historical experiences, particularly Indonesia's financial crisis in 1998 and the global financial crisis in 2008, highlight the high costs associated with financial instability and the importance of implementing both microprudential and macroprudential policies to prevent such crises. The Central Bank of Indonesia (Bank Indonesia) plays a vital role in this regard by regulating monetary policy, overseeing financial institutions, and ensuring a robust payment system. It employs various indicators to measure financial stability, including capital adequacy ratios and economic growth metrics. The article emphasizes that stability in the financial system not only fosters investor confidence but also supports efficient financial intermediation, ultimately contributing to sustainable economic growth.
Analysis of Payment System Digitalization in Achieving Rupiah Stability and Financial System Stability in Indonesia Dea Dellia; Lia Nazliana Nasution; Wahyu Indah Sari
International Journal of Economics, Commerce, and Management Vol. 2 No. 3 (2025): July : International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v2i3.813

Abstract

The purpose of this study is to examine how the growth of digital payment systems has affected Indonesia's financial system and rupiah stability. More people are using digital payment methods like e-money, credit cards, debit cards, RTGS, and QRIS as a result of technical advancements. Additionally, Bank Indonesia still encourages the adoption of digital payment methods to speed up, secure, and streamline transactions. The Two Stage Least Squares (TSLS) method is used in this study's simultaneous regression model, which employs secondary data from 2020 to 2024. The findings indicate that while inflation has a positive but negligible impact on the exchange rate, the use of credit cards and RTGS has a considerable positive impact. In the meantime, debit cards and e-money significantly reduce inflation. Inflation is significantly reduced by QRIS and the exchange rate. In order to maintain Indonesia's economic stability, it is crucial to keep enhancing literacy and security when using digital payment methods.