PENGARUH PEMBAYARAN NON TUNAI TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA TAHUN 2011-2021

Abstract

Abstract. This study aims to examine the effect of non-cash payments on economic
growth in Indonesia in the most recent period. The independent variables in this study
are debit/ATM cards, credit cards and e-money. The data in this study is secondary data
obtained directly from the Central Bureau of Statistics and Bank Indonesia from 2011 to
2021. In this study, Eviews 9 was used. The results of this study indicate that debit/ATM
cards, credit cards and e-money have a significant effect on economic growth. in
Indonesia. Debit/ATM cards have a significant effect on economic growth, credit cards
have a significant effect on economic growth, E-money does not have a significant effect
on economic growth where the JB prob Normality test results test is calculated at
0.556338 > 0.05, meaning that normality has been fulfilled, multicollinearity test Using
the correlation matrix, multicollinearity did not occur. The results of the
Heteroscedasticity test calculated the prob-f value of 0.2520 > 0.05, meaning that there
was no heteroscedasticity. The results of the multiple linear regression test were used to
observe a relationship between the x and y variables. the results of the t test show that
x1 has a significant effect x2 has a significant effect while x3 has no significant effect, F
test 0.013857 <f table means H4 is accepted.
Keywords: Non-Cash Transactions, Debit/ATM Cards, Credit Cards, E-Money,
Economic Growt