ANALISIS PENGARUH FINANCIAL TECHNOLOGY DAN VARIABEL MAKROEKONOMI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA

MUSTIKA, NANDA and Andaiyani, Sri (2024) ANALISIS PENGARUH FINANCIAL TECHNOLOGY DAN VARIABEL MAKROEKONOMI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA. Undergraduate thesis, Sriwijaya University.

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Abstract

This study aims to determine the effect of financial technology and macroeconomic variables on financial system stability in Indonesia. The data used in this study are secondary data for the period January 2020 to September 2023. Data is sourced from Bank Indonesia and the Financial Services Authority. Quantitative analysis was conducted using multiple linear regression or Ordinary Least Square. The results showed that fintech payment, fintech lending, and interest rates have a positive and significant effect on financial system stability, indicating that their development increases access to financial services, stimulates economic growth and strengthens financial system stability. While inflation has a negative and significant effect on financial system stability, and exchange rates have a negative but insignificant effect on financial system stability indicating when inflation and exchange rates are out of control and cause various economic issues and disrupt financial system stability. In this finding, it is suggested that the Indonesian government needs to encourage the development of regulations that support the advancement of financial technology and the application of monetary policy by the government and Bank Indonesia in overcoming economic issues, which does not only depend on monetary instruments alone.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Fintech Payment, Fintech Lending, Inflasi, Nilai Tukar, Suku Bunga, Stabilitas Sistem Keuangan
Subjects:	B Philosophy. Psychology. Religion > BQ Buddhism > BQ96-99 Financial institutions. Trusts
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Nanda Mustika
Date Deposited:	29 Apr 2024 03:29
Last Modified:	29 Apr 2024 03:29
URI:	http://repository.unsri.ac.id/id/eprint/143496

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