DAMPAK IMPLEMENTASI DIGITAL BANKING TERHADAP INKLUSI KEUANGAN DI INDONESIA

SIHALOHO, REGINA GRESHANIA and Gustriani, Gustriani (2024) DAMPAK IMPLEMENTASI DIGITAL BANKING TERHADAP INKLUSI KEUANGAN DI INDONESIA. Undergraduate thesis, Sriwijaya University.

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Abstract

This study aims to determine the effect of digital banking on financial inclusion in Indonesia using the Error Correction Model (ECM) method. The secondary data used in this study were obtained from Bank Indonesia (BI) publications. By using monthly data for the period 2020–2023. The results of this study reveal that in the short term, digital banking variables, namely ATMs, mobile banking, internet banking, EDC, and e-money, have no significant effect on financial inclusion indicators, namely deposits and bank loans. In the long term, digital banking variables have a significant effect on bank deposits. Digital banking variables, namely ATMs, mobile banking, internet banking, and EDC, do not have a significant effect on bank credit, but e-money has a significant effect on bank credit. Keywords : ATM, Mobile Banking, Internet Banking, EDC, E-money DPK, Credit

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	ATM, Mobile Banking, Internet Banking, EDC, E-money, DPK, Kredit.
Subjects:	H Social Sciences > HD Industries. Land use. Labor > HD72-88 Economic growth, development, planning
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Regina Greshania Sihaloho
Date Deposited:	18 Jul 2024 01:33
Last Modified:	18 Jul 2024 01:33
URI:	http://repository.unsri.ac.id/id/eprint/151375

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