Pengaruh Kartu Debit, Kartu Kredit dan E-Money terhadap Inflasi di Indonesia

Audry Melisa Margareta Sijabat ; Etik Umiyati ; Dwi Hastuti
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 📅 2025 Vol 2, No 4 🔗 DOI: 10.61132/jieap.v2i4.1788
Abstract
This study aims to analyze the development of debit card, credit card, and e-money usage and inflation in Indonesia, while also examining the effect of these three payment instruments on inflation from January 2015 to July 2025. The method used is the Error Correction Model (ECM) with the help of Eviews 12 software, while data was obtained from Bank Indonesia (BI) and the Central Statistics Agency (BPS). The results show that in the long term, debit cards do not have a significant impact on inflation. Conversely, credit cards have a positive and significant impact, indicating that increased credit card usage can drive up inflation. On the other hand, e-money has a negative and significant effect on inflation in the long term, so that increased e-money transactions actually tend to suppress inflation. In the short term, these three payment instruments—debit cards, credit cards, and e-money—do not show a significant impact on inflation in Indonesia. These findings provide insight into the dynamics of non-cash payment instruments and provide assurance regarding price stability.
Keywords
Credit Card; Debit Card; ECM; Electronic Money; Inflation
How to Cite

Audry Melisa Margareta Sijabat, et al. (2025). Pengaruh Kartu Debit, Kartu Kredit dan E-Money terhadap Inflasi di Indonesia. Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak, 2(4). https://doi.org/10.61132/jieap.v2i4.1788

Audry Melisa Margareta Sijabat; Etik Umiyati; Dwi Hastuti, "Pengaruh Kartu Debit, Kartu Kredit dan E-Money terhadap Inflasi di Indonesia," Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak, vol. 2, no. 4, 2025.

Audry Melisa Margareta Sijabat; Etik Umiyati; Dwi Hastuti. "Pengaruh Kartu Debit, Kartu Kredit dan E-Money terhadap Inflasi di Indonesia." Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak, vol. 2, no. 4, 2025.

Audry Melisa Margareta Sijabat; Etik Umiyati; Dwi Hastuti. "Pengaruh Kartu Debit, Kartu Kredit dan E-Money terhadap Inflasi di Indonesia." Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2, no. 4 (2025).

Audry Melisa Margareta Sijabat, et al. (2025) 'Pengaruh Kartu Debit, Kartu Kredit dan E-Money terhadap Inflasi di Indonesia', Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak, 2(4). doi: 10.61132/jieap.v2i4.1788.

Audry Melisa Margareta Sijabat; Etik Umiyati; Dwi Hastuti. Pengaruh Kartu Debit, Kartu Kredit dan E-Money terhadap Inflasi di Indonesia. Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak. 2025;2(4).

Artikel Terkait

An Evaluasi Sistem Pengelolaan Kas Kecil dalam Meningkatkan Efisiensi Operasional Perusahaan di PT Anugerah Langgeng Berkat Abadi

Maya Anastasia; Siti Sundari

Membangun Bisnis Berkelanjutan: Sinergi Keuntungan Finansial, Pemberdayaan Masyarakat, dan Perlindungan Lingkungan menurut Ekonomi Islam

Rizka Fuziana Pangesti; Putra Jaya; Lisnawati

Analisis Penerapan Manajemen Strategik dan Pengaruhnya terhadap Kinerja Karyawan di PT Karya Giri Palma

Adhelia Putri Zainuri; Sari Andayani

Pengaruh Kepercayaan kepada Pemerintah, Tarif Pajak, Kesadaran Wajib Pajak, dan Kebijakan Perpajakan terhadap Kepatuhan Wajib Pajak Orang Pribadi Non Karyawan

Faradila Yuliani; Triana Anggraini

Analisis Manajemen Antrean dan Efektivitas Pelayanan pada Bank Bapas 69 Kantor Kas Rejosari

Shefta Eka Praswati; Siti Arifah

Literatur Review: Pengaruh Intensitas Modal, Keputusan Investasi, dan Agresivitas Pajak terhadap Nilai Perusahaan

Nur Laila Choiru Nisa; Chaerunnisa Andriani; Nugroho Heri Pramono
Tren Sitasi Jurnal