Pengaruh Pengeluaran Konsumsi Rumah Tangga Terhadap Tingkat Penggunaan E-money di Indonesia
Keywords:
Consumption Expenditure, Household Consumption, E-money
Abstract
Payment technology has experienced quite rapid development in the world of transactions and consumption. The innovative payment technology allows users to make payments via their mobile phones without physically carrying payment instruments by entering the information required for transaction authentication in one channel. This research aims to examine and analyze the effect of household consumption expenditure on the level of e-money use in Indonesia. This study uses quantitative research as the method with explanatory research which explains the influence of the independent variable on the dependent variable. The results of this study indicate that there is a positive relationship between household consumption expenditure on the level of use of e-money in Indonesia
References
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Estel, A. (2023). Household welfare in the digital age: Assessing the effect of mobile money on household consumption volatility in developing countries. World Development, 161, 106110. https://doi.org/10.1016/j.worlddev.2022.106110
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Li, J., Luo, S., & Zhou, G. (2023). Electronic payment, natural environment and household consumption: Evidence from China household finance survey. International Review of Financial Analysis, 85(November 2022), 102472. https://doi.org/10.1016/j.irfa.2022.102472
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Tshukudu, M. K. (2018). The Relationship Between Electronic-Money Penetration and Household Consumption: VECM Granger Causality Analysis. The Global Diamond Industry: Economics and Development, 2, 251–290. https://doi.org/10.1057/9781137537614_11
Zhang, L. (2020). How Does Mobile Payment Technology Affect Consumer Payment Behavior? SSRN Electronic Journal, June 2020. https://doi.org/10.2139/ssrn.3593981
Zhao, C., Wu, Y., & Guo, J. (2022). China Economic Review. China Economic Review, 71 (October 2021), 101719. https://doi.org/10.1016/j.chieco.2021.101719
Bank Indonesia. Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP) : Volume Transaksi Uang Elektronik, 2011-2022. Indonesia: BI
Dewi, L. G. K., Herawati, N. T., & Adiputra, I. M. P. (2021). Penggunaan E-Money Terhadap Perilaku Konsumtif Mahasiswa Yang Dimediasi Kontrol Diri. EKUITAS (Jurnal Ekonomi Dan Keuangan), 5(1), 1–19. https://doi.org/10.24034/j25485024.y2021.v5.i1.4669
DEWI, S. (2021). Pengaruh Penggunaan E-Money Dan Kedisiplinan Pembayaran Pada Tingkat Konsumsi Santri (Studi Kasus Pondok Pesantren Al-Amien Prenduan, Sumenep) Eprints.Walisongo.Ac.Id. https://eprints.walisongo.ac.id/13574/1/SKRIPSI_1705026093_SAFINA_DEWI.pdf
E-wallets, O., & Widjojo, R. (2020). The Development of Digital Payment Systems in Indonesia: a Review of Go-Pay and Ovo E-Wallets. Economic Alternatives, 3, 384–395. https://doi.org/10.37075/ea.2020.3.03
Estel, A. (2023). Household welfare in the digital age: Assessing the effect of mobile money on household consumption volatility in developing countries. World Development, 161, 106110. https://doi.org/10.1016/j.worlddev.2022.106110
Khan, D., Varshney, P., & Qadeer, M. A. (2011). E-commerce: From shopping carts to credit cards. 2011 IEEE 3rd International Conference on Communication Software and Networks, ICCSN 2011, 81–85. https://doi.org/10.1109/ICCSN.2011.6014394
Kim, C., Tao, W., Shin, N., & Kim, K. S. (2010). An empirical study of customers’ perceptions of security and trust in e-payment systems. Electronic Commerce Research and Applications, 9(1), 84–95. https://doi.org/10.1016/j.elerap.2009.04.014
Li, J., Luo, S., & Zhou, G. (2023). Electronic payment, natural environment and household consumption: Evidence from China household finance survey. International Review of Financial Analysis, 85(November 2022), 102472. https://doi.org/10.1016/j.irfa.2022.102472
Munyegera, G. K., & Matsumoto, T. (2016). Mobile Money, Remittances, and Household Welfare: Panel Evidence from Rural Uganda. WORLD DEVELOPMENT, 79(25101002), 127–137. https://doi.org/10.1016/j.worlddev.2015.11.006
Paper, C. (2023). Wholesale Rupiah Digital Cash Ledger.
Peraturan Bank Indonesia (PBI) No. 11/12/PBI/2009 tentang Uang Elektronik.
Puspitasari, N. 2021. ANALISIS PENGARUH PENGGUNAAN ELECTRONIC MONEY TERHADAP KONSUMSI MASYARAKAT DI INDONESIA. Skripsi. Fakultas Bisnis Dan Ekonomika Universitas Islam Indonesia. Yogyakarta
Indonesia, B. (2018). Peraturan Bank Indonesia tentang Uang Elektronik.
Ramadani, L. (2016). Pengaruh Penggunaan Kartu Debit dan Uang Elektronik (E-Money) Terhadap Pengeluaran Konsumsi Mahasiswa. 8(1), 1–8.
Pahlevi, R. 2022, Metode Pembayaran yang Paling Sering Digunakan untuk E-Commerce. https://databoks.katadata.co.id/datapublish/2022/06/03/kic-e-wallet-paling-sering-digunakan-untuk-transaksi-e-commerce. Diakses tanggal 5 Oktober 2022
Suhartono. (2009). Peran Bank Sentral Dalam Stabilitas Sistem Keuangan (Ssk) Dan Implementasi Jaring Pengaman Sektor Keuangan (Jpsk). Jurnal Keuangan Dan Perbankan, 13(3), 115996. https://doi.org/10.26905/JKDP.V13I3.1098
Suwandi, M. A., & Azis, E. (2018). Faktor-Faktor yang Mempengaruhi Penggunaan E-Money pada Generasi Millenials. E-Proceeding of Management, 5(3), 3104–3111.
Teoh, W. M. Y., Chong, S. C., Lin, B., & Chua, J. W. (2013). Factors affecting consumers’ perception of electronic payment: An empirical analysis. Internet Research, 23(4), 465–485.
Tshukudu, M. K. (2018). The Relationship Between Electronic-Money Penetration and Household Consumption: VECM Granger Causality Analysis. The Global Diamond Industry: Economics and Development, 2, 251–290. https://doi.org/10.1057/9781137537614_11
Zhang, L. (2020). How Does Mobile Payment Technology Affect Consumer Payment Behavior? SSRN Electronic Journal, June 2020. https://doi.org/10.2139/ssrn.3593981
Zhao, C., Wu, Y., & Guo, J. (2022). China Economic Review. China Economic Review, 71 (October 2021), 101719. https://doi.org/10.1016/j.chieco.2021.101719
Published
2023-04-30
How to Cite
Pratama, A., & Cahyono, H. (2023). Pengaruh Pengeluaran Konsumsi Rumah Tangga Terhadap Tingkat Penggunaan E-money di Indonesia. Independent: Journal of Economics, 3(1), 1-10. https://doi.org/10.26740/independent.v3n1.p1-10
Section
Article
Copyright (c) 2023 Abima Yunka Pratama, Hendry Cahyono
This work is licensed under a Creative Commons Attribution 4.0 International License.
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