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"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.

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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.

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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.

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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.

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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.

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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.

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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. "

"Penelitian ini bertujuan untuk menganalisis pengaruh perubahan cash flow terhadap perubahan cash holding, khususnya untuk melihat ada atau tidak adanya perubahan cash holding yang asymmetric pada perusahaan yang sedang menghadapi cash flow positif maupun negatif. Sampel yang digunakan adalah perusahaan non-keuangan yang tercatat di Bursa Efek Indonesia pada periode 2003-2012. Hasil penelitian menunjukkan bahwa ketika cash flow positif, maka cash holding perusahaan akan meningkat. Sedangkan ketika cash flow negatif maka cash holding perusahaan akan menurun. Sehingga tidak adanya perubahan cash holding yang asymmetric ketika cash flow positif maupun negatif.

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This research aims to analyze the impact of incremental cash flow to incremental cash holding, specifically in regards to the possible asymmetric change of cash holding in positive and negative cash flow situation. Samples are taken from nonfinancial companies listed in Indonesian Stock Exchange between 2003-2012. The result shows that when cash flow is positive there is an increase in cash holding. Moreover, in the event of negative cash flow, cash holding will decrease. Therefore, there is no asymmetric change of cash holding when cash flow positive or negative."