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Prima, Resti
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Economics, Econometrics & Finance Social Sciences

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The Effect of Inflation and Interest Rate Levels on Consumer Credit with Global Economic Policy Uncertainty as Moderating Variable in Indonesia Nugroho, Dwi Alam; Prima, Resti; Usman, Osly
Golden Ratio of Data in Summary Vol. 6 No. 1 (2026): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i1.1402

Abstract

This study aims to analyze the influence of inflation and interest rates (BI Rate) on consumption credit in Indonesia, with global economic policy uncertainty as a moderating variable. This study uses secondary data in the form of monthly time series data from June 2015 to March 2025 published by the Financial Services Authority (OJK), Bank Indonesia, and the Economic Policy Uncertainty Index. Multiple regression analysis was applied to estimate the relationship of each variable, accompanied by normality, multicollinearity, and heteroscedasticity tests, so that it met the requirements for a valid and robust regression. The results of the study show that inflation has a negative and significant influence on consumption credit, while interest rates also have a negative but insignificant influence. Global economic policy uncertainty has proven to be able to moderate the negative influence of inflation on consumer credit, so that the negative impact is weaker when uncertainty is greater. Meanwhile, the role of the moderation of global economic policy uncertainty on the relationship between interest rates and consumption credit does not appear significant. Regression analysis also showed that models that included moderation variables were better able to explain the variation in consumption credit distribution, which reached 51.3%.
Positive Attitude of Users in Mediating the Impact of Perceived Benefits and Convenience on the Interest in Using QRIS Regularly in Daily Life Prima, Resti; Suryadi, S.; Usman, Osly
Golden Ratio of Data in Summary Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i2.1410

Abstract

Digital transformation in the financial sector encourages the use of payment systems rather than cash methods, such as QRIS (Quick Response Code Indonesian Standard). However, behavioral intentions to use QRIS routinely still face challenges, particularly regarding user perceptions and attitudes. This study aims to analyze the influence of perceived usefulness and perceived ease of use of QRIS (perceived ease of use) on the intention to use QRIS regularly (behavioral intention to use), with a positive attitude toward QRIS's benefits and ease (attitude toward using) as a mediating variable. A quantitative approach was used through a survey of 160 respondents who lived in one of the apartments in Tebet, South Jakarta, who were actively using QRIS. The analysis was carried out using SmartPLS software version 4.1.1.2 with the Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis method. The results showed that the benefits obtained and the ease of use of QRIS had a significant effect on positive attitudes and intentions to use QRIS regularly, and that positive attitudes mediated the relationship between the two. These findings reinforce the relevance of the Technology Acceptance Model (TAM) for cashless payments in urban areas.
Co-Authors Nugroho, Dwi Alam Osly Usman Suryadi, S.