TANTANGAN DAN PELUANG KEBIJAKAN NON-TUNAI: SEBUAH STUDI LITERATUR
Fakultas Ekonomi, Universitas Gunadarma
Indonesia
Abstract
Digaungkannya Gerakan Nasional Non Tunai (GNTT) oleh Bank Indonesia adalah bentuk dari implementasi kebijakan non-tunai di Indonesia. Transaksi non-tunai diharapkan membawa dampak-dampak positif bagi sebuah perekonomian. Dengan menggunakan metode studi literatur, makalah ini menggali manfaat, tantangan dan peluang pada penerapan kebijakan non-tunai. Perkembangan penerapan uang elektronik juga dibahas untuk mengetahui bagaimana gambaran penyelenggaran uang elektronik di Indonesia. Hasil dari penelitian ini menyatakan bahwa regulasi, model bisnis dan infrastuktur penyelenggaraan uang elektronik adalah hal-hal fundamental yang harus diperhatikan guna mencapai tujuan penggunaan uang elektronik dan operasional uang elektronik yang lebih baik di masa depan.
Keywords
References
Adeniyi, A., & Olutayo, O. (2015). Cashless Policy and Customers’ Satisfaction: A Study of Commercial Banks in Ogun State, Nigeria. Research Journal of Finance and Accounting Www.Iiste.Org ISSN, 6(2), 37–48. Retrieved from www.iiste.org
Ady, E. (2016). Pengaruh Sistem Pembayaran Non-Tunai terhadap Inflasi di Indonesia tahun 2011-2015. Jurnal Ilmiah Mahasiswa FEB, 1–15.
APJII. (2019). Laporan Survey Penetrasi & Profil Perilaku Pengguna Internet Indonesia. Asosiasi Penyelenggara Jasa Internet Indonesia. Retrieved from www.apjii.or.id
Bank Indonesia. (2018). Peraturan Bank Indonesia nomor 20/6/PBI/2018 tentang Uang Elektronik, 35.
Comfort, A., & Omoare, E. O. (2015). Cashless Policy and Economic Activities in Developing Countries (A Case Study of Nigeria). American Journal of Economics, 2015(4), 417–422. https://doi.org/10.5923/j.economics.20150504.03
Dewan Syariah Nasional. (2017). Fatwa DSN-MUI Tentang Uang Elektronik Syariah, (19), 12. Retrieved from https://dsnmui.or.id/category/fatwa/
Ebeiyamba Oluchukwu J. (2014). Effect of Cashless Economy on Micro and Small Scale Businesses in Nigeria. European Journal of Business and Management, 6(1), 101–106.
Hasan, I., De Renzis, T., & Schmiedel, H. (2012). Retail Payments and Economic Growth. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.2100651
Ibrahim, S. O., & Maiwada, Y. B. (2014). An Assessment of E-Payment Infrastructures towards an Efficient Cashless Policy in Nigeria: A Case Study of Bauchi State. IOSR Journal of Economics and Finance, 5(4), 18–24. https://doi.org/10.9790/5933-0541824
Joel, A. L., Neeka, I. N. I., Kelvin, N., & George, N. (2016). Repositioning Cashless Policy in the Nigeria Economy: Policy Options for Small Scale Business Development. International Journal of Economics, Business and Management Studies, 3(2), 67–74. https://doi.org/10.20448/802.3.2.67.74
Mieseigha, E. G., & Ogbodo, U. K. (2013). An Empirical Analysis of the Benefits of Cashless Economy on Nigeria’s Economic Development. Research Journal of Finance and Accounting, 4(17), 11–16. Retrieved from www.iiste.org
Nwankwo, O., & Eze, O. R. (2012). Electronic Payment in Cashless Economy of Nigeria: Problems and Prospect. Journal of Management Research, 5(1), 138–151. https://doi.org/10.5296/jmr.v5i1.2650
Odior, E. S., & Banuso, F. B. (2012). Cashless Banking in Nigeria: Challenges, Benefits and Policy Implications. European Scientific Journal, 8(12), 289–316. https://doi.org/10.19044/esj.2012.v8n12p%p
Omotunde, M., Sunday, T., & John-Dewole, A. T. (2013). Impact of Cashless Economy in Nigeria. Greener Journal of Internet, Information and Communication Systems, 1(2), 040–043. https://doi.org/10.15580/gjiics.2013.2.020713436
Ovat, O. O. (2012). The Central Bank of Nigeria’s Cashless Policy in Nigeria: Benefits and Challenges. Issn, 3(14), 2222–1700. Retrieved from www.iiste.org
Oyewole, O. S., Gambo, J., Abba, M., & Onuh, M. E. (2013). Electronic Payment System and Economic Growth : A Review of Transition to Cashless Economy in Nigeria. International Journal of Scientific Engineering and Technology, 918(2), 913–918.
PwC. (2019). Global Consumer Insights Survey. Global Consumer Insights Survey.
Ramadani, L. (2016). Pengaruh Penggunaan Kartu Debit dan Uang Elektronik (E-Money) Terhadap Pengeluaran Konsumsi Mahasiswa. Jurnal Ekonomi Dan Ekonomi Studi Pembangunan, 8(1), 1–8. https://doi.org/10.17977/um002v8i12016p001
Rofiat, A. (2017). The Effect of Cashless Banking on the Financial Performance of Small and Medium Scale Enterprises. International Journal of Advanced Research in Public Policy, Social Development and Enterprise Studies, 2(2), 133–142.
Samsumar, L. D. (2016). Konsep Dan Tantangan Penggunaan Teknologi E-Money Sebagai Alat Pembayaran Alternatif Di Indonesia. METHODIKA: Jurnal Teknik Informatika Dan Sistem Informasi, 2(1), 102–107. Retrieved from http://www.methodika.net/index.php/jurnalmethodika/article/view/18
Susilawati, & Putri, D. Z. (2019). Analisis Pengaruh Transaksi Non Tunai Dan Suku Bunga Bi terhadap Pertumbuhan Ekonomi Di Indonesia. Kajian Ekonomi Dan Pembangunan, 1(2), 667–678.
Yaqub, J. O., Bello, H. T., Adenuga, I. A., & Ogundeji, M. O. (2013). The Cashless Policy in Nigeria : Prospects and Challenges. International Journal of Humanities and Social Science, 3(3), 200–212.
Zunaitin, E., W, R. N., P, F. W., Ekonomi, J. I., Ekonomi, F., Unej, U. J., & Kalimantan, J. (2017). Pengaruh E-money terhadap Inflasi di Indonesia ( The Effect E-money of Inflation in Indonesia ). Journal Ekuilibrium, II(1), 18–23.
