Hasil Pencarian  ::  Simpan CSV :: Kembali

"Non-cash payments have been increasing significantly , followed by its substitution and efficientcy effects. Cash payments is substituted, inducing a decrease of cash holdings by economic agents, while on the other hand more money enters the banking system...."

"Skripsi ini membahas metode pembayaran mobile payment yang terdiri dari mobile banking dan mobile money terhadap kondisi hukum, ekonomi dan sosial di Indonesia dengan menitikberatkan kepada ketidakkonkruen pendekatan hukum terhadap sistem elektronik yang mengakibatkan ketidakseimbangan di antara keduanya berkaitan dengan kondisi sosial dan ekonomi dalam penerapan masyarakat non-tunai di Indonesia untuk mengetahui sejauh mana mobile payment dapat diterima menjadi sebuah intrumen pembayaran non-tunai di Indonesia agar terciptanya perdagangan secara elektronik yang lebih mudah dan nyaman serta aman.

---

This minithesis discusses the mobile payment as payment method that consists of mobile banking and mobile money for the legal, economic and social conditions in Indonesia with an emphasis on unmacthed legal approach to the electronic system which resulted in an imbalance between them relating to the social and economic conditions in the application of cash less society in Indonesia to determine the extent to which mobile payment can be accepted as a non-cash payment instruments in Indonesia for the creation of electronic commerce easier and comfortable as well as safe."

"[ABSTRAKGerakan Nasional Non Tunai (GNNT) merupakan gerakan yang mendorongdan meningkatkan penggunaan sarana pembayaran non tunai. Salah satu caraindustri perbankan mendukung program GNNT adalah dengan cara menempatkanmesin EDC pada toko atau gerai di mall untuk mempermudah masyarakat dalammelakukan transaksi pembayaran non tunai.Permasalahan yang timbul pada implementasi jaringan komunikasi mesin EDCadalah biaya transaksi yang dirasa cukup tinggi dengan menggunakan teknologiGeneral Packet Radio System (GRPS) yang dipakai oleh operator telekomunikasi.Dengan adanya pilihan teknologi koneksi mesin EDC selain menggunakanGPRS, yaitu dengan teknologi wireline (fiber optic) atau wireless (radio link)membuat biaya transaksi komunikasi mesin EDC dapat diturunkan secarasignifikan sehingga biaya transaksinya menjadi lebih rendah daripadamenggunakan teknologi yang digunakan saat ini (GPRS).Pemilihan penggunaan teknologi diatas harus disertai dengan kebijakaninvestasi dan operasi yang berbeda, untuk itu pada tesis ini telah dibuatkan sebuahpemodelannya sehingga memudahkan para pemimpin untuk mengambil keputusan.Pemodelan tersebut terdiri dari lima pilihan skenario yang dapat digunakan dalamkondisi jumlah mesin EDC dan payback periode yang berbeda.

---

ABSTRACTNational Movement of Non-Cash (GNNT) is a movement that encouragesand increases the non-cash payment. One way the industry supports GNNTprogram is a way to put Electronic Data Capture (EDC) machine at the store orstores in the mall to facilitate the public in non-cash payment transactions.The problems that arise in the implementation of the communicationnetwork EDC machine is transaction costs are considered high by using technologyGeneral Packet Radio System (GRPS) which is used by telecom operators.With the choice of connection technology EDC machine in addition to usingGPRS, ie with technology of wireline (fiber optic) or wireless (radio link) makingcommunication EDC transaction costs can be significantly reduced so that the costof the transaction to be lower than using a technology that is used today (GPRS ).Selection of use of the above technologies should be accompanied byinvestment policy and different operations, for it was on this thesis has made amodeling making it easier for leaders to take a decision. The modeling scenarioconsisted of five options that can be used in a number of EDC conditions andpayback periods are different.;National Movement of Non-Cash (GNNT) is a movement that encouragesand increases the non-cash payment. One way the industry supports GNNTprogram is a way to put Electronic Data Capture (EDC) machine at the store orstores in the mall to facilitate the public in non-cash payment transactions.The problems that arise in the implementation of the communicationnetwork EDC machine is transaction costs are considered high by using technologyGeneral Packet Radio System (GRPS) which is used by telecom operators.With the choice of connection technology EDC machine in addition to usingGPRS, ie with technology of wireline (fiber optic) or wireless (radio link) makingcommunication EDC transaction costs can be significantly reduced so that the costof the transaction to be lower than using a technology that is used today (GPRS ).Selection of use of the above technologies should be accompanied byinvestment policy and different operations, for it was on this thesis has made amodeling making it easier for leaders to take a decision. The modeling scenarioconsisted of five options that can be used in a number of EDC conditions andpayback periods are different.;National Movement of Non-Cash (GNNT) is a movement that encouragesand increases the non-cash payment. One way the industry supports GNNTprogram is a way to put Electronic Data Capture (EDC) machine at the store orstores in the mall to facilitate the public in non-cash payment transactions.The problems that arise in the implementation of the communicationnetwork EDC machine is transaction costs are considered high by using technologyGeneral Packet Radio System (GRPS) which is used by telecom operators.With the choice of connection technology EDC machine in addition to usingGPRS, ie with technology of wireline (fiber optic) or wireless (radio link) makingcommunication EDC transaction costs can be significantly reduced so that the costof the transaction to be lower than using a technology that is used today (GPRS ).Selection of use of the above technologies should be accompanied byinvestment policy and different operations, for it was on this thesis has made amodeling making it easier for leaders to take a decision. The modeling scenarioconsisted of five options that can be used in a number of EDC conditions andpayback periods are different.;National Movement of Non-Cash (GNNT) is a movement that encouragesand increases the non-cash payment. One way the industry supports GNNTprogram is a way to put Electronic Data Capture (EDC) machine at the store orstores in the mall to facilitate the public in non-cash payment transactions.The problems that arise in the implementation of the communicationnetwork EDC machine is transaction costs are considered high by using technologyGeneral Packet Radio System (GRPS) which is used by telecom operators.With the choice of connection technology EDC machine in addition to usingGPRS, ie with technology of wireline (fiber optic) or wireless (radio link) makingcommunication EDC transaction costs can be significantly reduced so that the costof the transaction to be lower than using a technology that is used today (GPRS ).Selection of use of the above technologies should be accompanied byinvestment policy and different operations, for it was on this thesis has made amodeling making it easier for leaders to take a decision. The modeling scenarioconsisted of five options that can be used in a number of EDC conditions andpayback periods are different., National Movement of Non-Cash (GNNT) is a movement that encouragesand increases the non-cash payment. One way the industry supports GNNTprogram is a way to put Electronic Data Capture (EDC) machine at the store orstores in the mall to facilitate the public in non-cash payment transactions.The problems that arise in the implementation of the communicationnetwork EDC machine is transaction costs are considered high by using technologyGeneral Packet Radio System (GRPS) which is used by telecom operators.With the choice of connection technology EDC machine in addition to usingGPRS, ie with technology of wireline (fiber optic) or wireless (radio link) makingcommunication EDC transaction costs can be significantly reduced so that the costof the transaction to be lower than using a technology that is used today (GPRS ).Selection of use of the above technologies should be accompanied byinvestment policy and different operations, for it was on this thesis has made amodeling making it easier for leaders to take a decision. The modeling scenarioconsisted of five options that can be used in a number of EDC conditions andpayback periods are different.]"

"ABSTRAKPenelitian ini bertujuan untuk menganalisis apakah ada pengaruh transaksi pembayaran non tunai berupa kartu kredit, kartu debet/ATM dan e-money terhadap pertumbuhan jumlah uang beredar baik M1 maupun M2, efek pengganda uang money multiplier dan velositas uang velocity of money . Dengan menggunakan pendekatan regresi berganda dengan metode ordinary least square OLS dan Error Correction Mechanism ECM , diperoleh hasil bahwa kartu kredit dan e-money terkointegrasi dan berpengaruh positif terhadap M1, sementara untuk M2 hanya kartu kredit yang terkointegrasi dan signifikan berpengaruh positif. Terhadap faktor pengganda uang pada M1, ketiga jenis kartu berpengaruh negatif, demikian pula terhadap faktor velositas uang M1, ketiga jenis kartu berpengaruh negatif. Pengaruh kartu kredit dan e-money terhadap M1, angka pengganda dan velositas uang diduga terkait dengan kedekatannya sebagai pengganti uang kartal dalam bertransaksi dimana uang kartal merupakan komponen dari M1. Berdasarkan hasil yang positif berpengaruh terhadap peningkatan uang beredar, upaya peningkatan dan perluasan penggunaan e-money perlu terus ditingkatkan. Selain itu dimasa mendatang e-money dapat dipertimbangkan untuk dimasukkan ke dalam perhitungan statistik jumlah uang beredar M1 agar kebijakan operasi moneter tidak menjadi bias mengingat cepatnya angka pertumbuhan e-money yang didukung oleh Bank Indonesia, Pemerintah dan OJK.

---

ABSTRACTThis study aimed to identify whether any effect of electronic transactions of non cash payments in the form of credit card, debit card ATM and e money against the growth of the money supply both M1 and M2 including money multiplier effect and the velocity of money. By using a multiple regression approach with ordinary least square OLS and Error Correction Mechanism ECM , the results showed that the credit card and e money is cointegrated and has positive influence on the M1. While for M2, only e money has positive influence and cointegrated. Against the M1 money multiplier factor and the velocity of money factor, the three types of cards have negative effect. These evidences related to the function of credit cards and e money, which is probably close to as substitute of paper and coin money. Based on the analysis, using e money should be improved further and in the future might be considered to put into the statistical calculation in the money supply M1 to avoid biased on monetary policy operations given the rapid growth of e money, which is supported, by Bank Indonesia, the Government and the FSA."

"ABSTRAKSkripsi ini membahas tentang analisa pelaksanaan transaski non tunai berdasarkan prinsip Good Governance di Pemerintah Provinsi DKI Jakarta. Prinsip Good Governance yang dibahas yaitu akuntabilitas, transparasi dan berlandaskan hukum dan hasil Penelitian ini menunjukkan bahwa proses implementasi non tunai di Pemerintah Provinsi DKI Jakarta dimulai secara penuh di tahun 2016 meliputi penerimaan dan pengeluaran APBD. Pelaksanaan mekanisme non tunai yang dilakukan sudah berdasarkan good governance tetapi belum sempurna karena yang dilakukan oleh Pemerintah Provisi DKI Jakarta masih dalam tahap pengembangan sehingga tetap masih perlunya dukungan pihak-pihak yang membantu Pemprov DKI tidak hanya dari sektor perbankan melainkan dari stakeholder/vendor/pihak ketiga serta masyarakat turut mensukseskan keberhasilan dalam implementasi non tunai ini. Teori 7S Mc Kinsey dipergunakan untuk membuktikan bahwa berbagai aspek seperti strategi, struktur, sistem, skill staffing serta style shared value kesemuanya berperan penting dalam keberhasilan implementasi program mekanisme non tunai ini.

---

ABSTRAKThis thesis discusses the analysis of non cash transactions based on Good Governance principles in DKI Jakarta Provincial Government. The principles of Good Governance discussed are accountability, transparency and law based and the results of this study indicate that the process of non cash implementation in Jakarta Capital City Government begins in full in 2016 includes revenue and expenditure of APBD. Implementation of non cash mechanism that is done is based on good governance but not yet perfect because that done by Provincial Government of DKI Jakarta still in development stage so that still need support from parties that assist city government not only from banking sector but from stakeholder vendor third party And the community also succeeded in the success of this non cash implementation. McKinsey 39 s 7S theory is used to prove that various aspects such as strategy, structure, system, skill staffing and style shared value all play an important role in the successful implementation of this non cash mechanism program."

"ABSTRAKLaporan magang ini membahas mengenai siklus pembelian Material di suatuperusahaan konstruksi dengan menggunakan salah satu fasilitas kredit non-tunai dariBank. Secara lebih rinci, laporan ini membahas mengenai prosedur pengadaan materialdi PT HKA, dan pembayaran material tersebut menggunakan fasilitas kredit non-tunaiyaitu Surat Kredit Berdokumen Dalam Negeri. Prosedur pengadaan material ini akandiuji kesesuaiannya dengan peraturan dari Menteri BUMN. Surat Kredit Berdokumendalam Negeri yang digunakan oleh PT HKA dibagi menjadi dua jenis yaitu SuratKredit Berdokumen Dalam Negeri Reguler dan Kontrak Payung. Di dalam laporanmagang ini akan dijelaskan tahapan masing-masing jenis SKBDN tersebut sehinggadapat diketahui perbedaan antar jenisnya dan bagaimana manfaatnya terhadap PTHKA. Secara keseluruhan, siklus pembelian barang yang mencakup pengadaan barangdan pembayaran menggunakan fasilitas SKBDN telah berjalan dengan baik dan tidakada kendala yang material.

---

ABSTRACT

This report explains about the procurement cycle of material in a constructioncompany using one of the non cash loan facility provided by commercial Bank. Inmore detail, this report explains about procurement cycle of material, and the paymentusing non cash loan facility, domestic letter of credit. The compliance of procurementcycle in PT HKA towards State Minister for State Owned Enterprises decree checkedin this report. Domestic letter of credit used by PT HKA classified into two type, whichis reguler domestic letter of credit and framework contract domestic letter of credit.The differences such as the function, and the stages between reguler domestic letter ofcredit and framework contract domestic letter of credit will be explained in this report.Overall, the procurement cycle of material including purchasing of material andpayment of material using domestic letter of credit facility can be categorized as goodand there are no material problem happened."

"ABSTRAKPerkembangan sistem pembayaran nontunai di Indonesia tidak didukung dengan infrastruktur yang efisien dan memadai. Hal ini tercermin dari keterbatasan interkoneksi dan interoperabilitas antar instrumen dan kanal pembayaran serta adanya pemrosesan transaksi domestik yang dilakukan di luar negeri sehingga berpotensi meningkatkan risiko keamanan. Maka dari itu, Bank Indonesia meluncurkan kebijakan Gerbang Pembayaran Nasional bertujuan untuk mengoptimalkan infrastruktur yang telah ada dan mengatur mekanisme teknis, bisnis dan kelembagaan yang menjadi landasan interkoneksi dan interoperabilitas industri sistem pembayaran ritel domestik. Penelitian ini menggunakan metode yuridis normatif yaitu dengan menekankan pada penggunaan norma-norma hukum tertulis yang didukung dengan hasil wawancara narasumber. Hasil dari penelitian ini menunjukkan bahwa Gerbang Pembayaran Nasional memberikan implikasi positif bagi sistem pembayaran dan perekonomian nasional serta pihak terkait dalam sistem pembayaran ritel domestik, kecuali prinsipal internasional yang justru berpotensi mengalami kerugian.

---

ABSTRACTThe development of non cash payment system in Indonesia is not supported by efficient and adequate infrastructure. This conditions are reflected by the limitations of interconnection and interoperability between instruments and channels of payment. Furthermore, the presence of domestic transaction processing which conducted abroad potentially increases security risk. So, Bank Indonesia releases Gerbang Pembayaran Nasional National Payment Gateway to optimize existing infrastructures and regulate the techincal, business and institutional mechanisms underlying the interconnection and interoperability of the domestic retail payment industry.This research uses normative juridical method which emphasizes the use of written legal norms and it supported by the interviews with interviewees.The result of the study indicate that Gerbang Pembayaran Nasional National Payment Gateway has positive implications for the payment system and the national economic as well as the related parties in the domestic payment system, except for the global players that are potentially loss. "

"Pembangunan infrastruktur jalan raya di Indonesia dalam beberapa tahun terakhir ini mengalami peningkatan yang sangat signifikan, namun dalam implementasinya permasalahan pembebasan tanah dan keterbatasan pendanaan menjadi masalah utama dalam mewujudkan pembangunan tersebut. Pembangunan proyek Jalan Layang merupakan salah satu upaya dalam meminimalisasi permasalahan pembebasan tanah, selain itu melakukan Kerjasama Operasi (KSO) dan menerapkan pembiayaan berbasis Non Cash Loan (NCL) berupa Supply Chain Financing (SCF) pada proyek diharapkan mampu memberikan kinerja proyek menjadi baik, yang dapat tercermin pada Project Cash Flow (PCF) atau arus keuangan proyek positif sehingga dapat menjawab masalah keterbatasan pendanaan proyek. Supply Chain Financing (SCF) adalah instrument keuangan yang dikeluarkan oleh lembaga keuangan dengan berbagai syarat dan ketentuan berlaku kedalam sebuah rantai pasok yang terjadi antara pembeli dan penjual, yang bertujuan sebagai optimasi manajemen modal kerja dan likuiditas perusahaan. Namun pemilihan skema pembiayaan SCF ini juga memiliki kelemahan dimana ada cost of money (diskonto) yang terjadi pada pelaksanaannya. Tujuan penelitian ini untuk mengetahui Cost Structure NCL SCF dan mengevaluasi implementasi penggunaan fasilitas SCF terhadap kinerja proyek jalan layang dengan studi kasus proyek KSO pada PT.X. Metodologi penelitian menggunakan metode survey dan metode studi kasus, sedangkan untuk mengetahui cost structure yang terjadi menggunakan analisa statistik deskriptif. Penelitian ini menghasilkan sebuah tabel cost  structure atau komponen biaya utama berupa Bahan, Alat dan Sub Kontraktor yang bisa diimplementasikan dalam proses NCL SCF, serta prosedur implementasi pengadaan SCF sampai dengan penagihannya.

---

Indonesia infrastructure road development in recent years has experienced a very significant increase, but in its implementation the issue of land acquisition and limited funding are the main problem in realizing this development. Elevated Road Project is one of the way to minimize the effect land acquisition, and also Joint operation (JO) and applying Non Cash Loan (NCL) at the form Supply Chain Financing (SCF) in project can have good performance effect that can be see positif Project Cash Flow (PCF). Supply Chain Financing (SCF) is a financial instrument issued by financial institutions with various terms and conditions applicable to a supply chain that occurs between buyers and sellers, which aims to optimize the management of working capital and company liquidity. However, the selection of the SCF financing scheme also has a weakness where there is a cost of money that must be spent in the process. The purpose of this study was to determine the NCF SCF Cost Structure and evaluate the implementation of the use of SCF facilities on the elevated road project performance with a JO project case study at PT.X. Research metodology using survey and project cases study, while for the conducted to determine cost structure using statistical descriptive analysis. This study produce cost structure table which is majority for material, equipment, and sub contractor can be implemented using NCL SCF, also implementation procurement procedure using SCF until invoicing.

"

"Penelitian tesis ini menganalisis faktor-faktor yang mempengaruhi intensi calon jemaah haji DKI Jakarta dan Jawa Barat untuk menggunakan layanan transaksi nontunai syariah di Arab Saudi. Kerangka penelitian disusun dengan memodifikasi model UTAUT (Unified Theory of Acceptance and Use of Technology) dengan menambahkan konstruk perceived risk dan perceived trust. Penelitian ini juga melibatkan variabel moderator yaitu gender, usia, dan tingkat pendidikan. Penelitian ini dilakukan dengan metode survei melalui kuesioner dan melibatkan 290 responden penelitian. Analisis data dalam penelitian ini menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa variabel performance expectancy, effort expectancy, social influence, dan perceived trust berpengaruh signifikan dengan hubungan positif terhadap intensi calon jemaah haji DKI Jakarta dan Jawa Barat untuk menggunakan layanan transaksi nontunai syariah. Sedangkan variabel perceived risk dan usia berpengaruh signifikan dengan hubungan negatif terhadap intensi calon jemaah haji DKI Jakarta dan Jawa Barat untuk menggunakan layanan transaksi nontunai syariah. Hasil penelitian juga membuktikan bahwa calon jemaah haji DKI Jakarta memiliki peluang lebih tinggi untuk menggunakan layanan transaksi nontunai syariah dibandingkan calon jemaah haji Jawa Barat.

---

This study discusses the factors that influence the intention of Hajj pilgrim candidates in Jakarta and West Java to use Islamic non-cash transaction services in Saudi Arabia. The research framework arranged by modifying the UTAUT (Unified Theory of Acceptance and Use of Technology) model with adding perceived risk and perceived trust to the model to suit the context of the use of Islamic non-cash transaction services. This research also involves moderator variables such as gender, age, and educational level. This research conducted using a survey method through a questionnaire and 290 respondents. Data analysis used in this study is Partial Least Squares Structural Equation Modeling (PLSSEM) that had previously tested for validity and reliability. The results showed that the variable performance expectancy, effort expectancy, social influence, and perceived trust had a significant effect and positive relationship with the intention of Hajj pilgrim candidates in Jakarta and West Java to use Islamic non-cash transaction services. Meanwhile, the variable perceived risk and age had a significant effect and negative relationship with the intention of Hajj pilgrim candidates in Jakarta and West Java to use Islamic non-cash transaction services. The results also prove that Hajj pilgrim candidates in Jakarta have a higher chance of using Islamic non-cash transaction services than Hajj pilgrim candidates in West Java."

"Kebijakan Transaksi Non Tunai (TNT) bertujuan mendorong kinerja pengelolaan keuangan daerah dan menekan pemborosan belanja fiskal daerah sehingga tercapai tujuan kebijakan desentralisasi fiskal. Penelitian ini bertujuan untuk menganalisis pengaruh kebijakan TNT terhadap rasio kinerja belanja Pemerintah Daerah (Pemda). Analisis menggunakan data panel selama periode 2012 – 2019 di lingkungan Satuan Kerja Perangkat Daerah (SKPD) dan Kecamatan Wilayah Provinsi DKI Jakarta. Data yang digunakan mencakup data laporan keuangan dan data organisasi Pemprov DKI Jakarta serta data pendukung tingkat Kecamatan yang dipublikasi oleh Badan Pusat Statistik (BPS) Provinsi DKI Jakarta. Variabel kontrol yang turut mempengaruhi rasio efisiensi yaitu kebijakan penetapan pagu uang persediaan dan jumlah pegawai pada level SKPD. Sedangkan, variabel kontrol berupa program kerja hanya mempengaruhi kinerja rasio efektifitas belanja di SKPD dan variabel kontrol jumlah SDM dan populasi penduduk untuk tingkat Kecamatan.

---

The Non-Cash Transaction Policy (TNT) has purposed for boosting the performance of regional financial management and reduce waste of regional fiscal spending so that the objectives of the fiscal decentralization policy can be achieved. This study aims to analyze the effect of TNT's policy on the performance ratio of local government spending (Pemda). The analysis uses panel data during the period 2012 - 2019 in the Regional Work Units (SKPD) and the DKI Jakarta Provincial District. The data includes financial report and organizational data of DKI Jakarta Provincial Government and District’s data published by the Central Statistics Agency (BPS) of DKI Jakarta Province. The control variables that significantly affect to the efficiency ratio are the policy to set a limit of petty cash and the number of employees at the SKPD level. Meanwhile, the number of program only affects the performance of the expenditure effectiveness ratio at SKPD and the number of employees and population at the District level"