Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) KINDAI : Kumpulan Informasi dan Artikel Ilmiah Manajamen dan Akuntansi
Fakhry Ilyas
Universitas Sultan Ageng Tirtayasa
Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Nilai Transaksi Internet Banking dan Rata-Rata DPK Rumah Tangga di Indonesia: Analisis Jangka Panjang dan Jangka Pendek Ahmad Ilham Abtasuni; Muhamad Abdul Jabbar; Fakhry Ilyas
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 2 (2026): April 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i2.6037

Abstract

This This study analyzes the effect of banking digitalization on household savings in Indonesia. Digitalization is measured through the value of internet banking transactions, taking into account economic growth, policy interest rates, and consumer confidence indices as control variables. This study aims to analyze the effect of banking digitalization, proxied by the value of internet banking transactions, on household savings in Indonesia. The method used is a quantitative approach with an Autoregressive Distributed Lag (ARDL) model using quarterly data from the 2015–2024 period. The results show a long-term relationship between digitalization and household savings. Internet banking transaction values have a negative effect on the average household Third Party Funds (DPK), while economic growth and policy interest rates have a significant positive effect. Meanwhile, consumer confidence has a negative effect because increased economic optimism encourages consumption. These findings indicate that banking digitalization accelerates transaction efficiency but can suppress the accumulation of conventional savings. Therefore, banking digital strategies need to be directed to maintain a balance between technological innovation and the function of financial intermediation.  
STABILITAS PERMINTAAN UANG DI INDONESIA: PERAN TRANSAKSI DIGITAL DAN KETIDAKPASTIAN KEBIJAKAN EKONOMI GLOBAL Fakhry Ilyas; Mutia Lilian Oktaviyani; Satria Nurtias; Deswita Herlina
KINDAI Vol 22 No 2 (2026): KINDAI
Publisher : JURNAL KINDAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/kindai.v22i2.2635

Abstract

Penelitian ini menganalisis stabilitas permintaan uang di Indonesia periode 2015–2024 menggunakan Vector Error Correction Model (VECM) dengan mengintegrasikan variabel Indeks Produksi Industri (IPI), inflasi, transaksi uang elektronik (e-money), dan Indeks Ketidakpastian Kebijakan Ekonomi Global (EPU). Hasil uji kointegrasi Johansen mengkonfirmasi adanya hubungan keseimbangan jangka panjang. IPI berpengaruh positif signifikan, inflasi dan EPU berpengaruh negatif signifikan, sementara e-money terbukti mensubstitusi uang fisik. Uji CUSUM mengkonfirmasi stabilitas struktural fungsi permintaan uang, meskipun terdapat gangguan varians pada 2019–2020 akibat pandemi Covid-19. Temuan ini menegaskan relevansi kebijakan moneter berbasis agregat moneter di Indonesia. Kata Kunci: ketidakpastian kebijakan ekonomi; permintaan uang; stabilitas moneter; uang elektronik; VECM
Co-Authors Ahmad Ilham Abtasuni Deswita Herlina Muhamad Abdul Jabbar Mutia Lilian Oktaviyani Satria Nurtias