PUTRI LATHIFAH AZ-ZAHRA, NIM. 17108010015 (2021) PERAN INSTRUMEN PEMBAYARAN NON TUNAI TERHADAP PERTUMBUHAN KREDIT UMKM DI INDONESIA. Skripsi thesis, FAKULTAS EKONOMI DAN BISNIS.
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Text (PERAN INSTRUMEN PEMBAYARAN NON TUNAI TERHADAP PERTUMBUHAN KREDIT UMKM DI INDONESIA)
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Abstract
This study aims to describe the characteristics of ATM/debit cards, credit cards, e-money, and MSME loans in Indonesia. And to analyze the effect of the variable volume of ATM/debit card transactions, credit cards, and e-money on the growth of MSME credit in Indonesia. This research can help to see how the long-term and short-term effects of non-cash payment instruments on MSME loans in Indonesia. The method used in this study is the Vector Error Correction Model (VECM) using time series data from January 2010 to July 2020. The results show that the variables of ATM/debit card transaction volume and credit card transaction volume have a significant positive effect in the long term on lending to MSMEs. Meanwhile, in the short term, the volume of ATM/debit card transactions and the volume of credit card transactions have no effect on lending to MSMEs. Then the variable volume of e-money transactions does not have a long-term or short-term effect on lending to MSMEs.
| Item Type: | Thesis (Skripsi) |
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| Additional Information: | LAILATIS SYARIFAH, LC., M.A. |
| Uncontrolled Keywords: | ATM/debit Card, Credit Card, , E-Money, Credit MSMEs, Vector Error Correction Model (VECM) |
| Subjects: | Ekonomi Syariah |
| Divisions: | Fakultas Ekonomi dan Bisnis Islam > Ekonomi Syariah (S1) |
| Depositing User: | Drs. Mochammad Tantowi, M.Si. |
| Date Deposited: | 26 Aug 2021 22:52 |
| Last Modified: | 26 Aug 2021 22:52 |
| URI: | http://digilib.uin-suka.ac.id/id/eprint/43506 |
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