Analisis Pengaruh Penggunaan Uang Elektronik (E-Money) Terhadap Permintaan Uang Kartal di Indonesia
Lampiran 1
Jumlah Uang Kartal Beredar, Transaksi APMK, Transaksi Kliring, Suku
Bunga Tabungan
Uang
OBS.
Kartal
APMK
Kliring
Bunga
2010M01 211,811.00
57,243,995.00
10,436,980.00
6.50%
2010M02 211,708.00
57,555,243.00
8,678,972.00
6.50%
2010M03 205,083.00
58,396,289.00
9,264,960.00
6.50%
2010M04 211,390.00
59,070,631.00
9,262,079.00
6.50%
2010M05 214,695.00
59,688,516.00
8,766,067.00
6.50%
2010M06 222,828.00
60,526,532.00
9,074,686.00
6.50%
2010M07 228,239.00
61,307,117.00
9,185,770.00
6.50%
2010M08 241,166.00
62,989,583.00
8,459,241.00
6.50%
2010M09 229,825.00
63,732,425.00
8,894,575.00
6.50%
2010M10 235,709.00
64,082,708.00
8,392,959.00
6.50%
2010M11 238,500.00
65,200,167.00
8,287,064.00
6.50%
2010M12 260,227.00
65,213,838.00
8,176,571.00
6.50%
2011M01 247,481.00
67,298,181.00
10,013,207.00
6.50%
2011M02 245,327.00
68,255,935.00
8,690,959.00
6.75%
2011M03 241,618.00
69,574,816.00
9,046,902.00
6.75%
2011M04 252,013.00
70,352,969.00
8,604,511.00
6.75%
2011M05 254,066.00
71,401,663.00
7,441,003.00
6.75%
2011M06 261,504.00
72,569,316.00
9,165,106.00
6.75%
88
Universitas Sumatera Utara
2011M07 275,437.00
72,575,544.00
7,765,599.00
6.75%
2011M08 324,725.00
73,657,289.00
7,798,818.00
6.75%
2011M09 279,224.00
74,137,547.00
8,984,454.00
6.75%
2011M10 281,341.00
75,250,703.00
7,859,164.00
6.50%
2011M11 279,066.00
76,275,601.00
7,768,430.00
6.00%
2011M12 307,760.00
78,170,692.00
8,432,659.00
6.00%
2012M01 286,242.00
78,142,043.00
9,540,838.00
6.00%
2012M02 280,103.00
79,216,918.00
9,020,276.00
5.75%
2012M03 287,046.00
80,611,958.00
9,632,170.00
5.75%
2012M04 290,861.00
81,912,823.00
8,241,212.00
5.75%
2012M05 294,768.00
83,307,867.00
8,794,513.00
5.75%
2012M06 314,670.00
84,771,378.00
9,637,891.00
5.75%
2012M07 315,375.00
86,706,895.00
9,093,312.00
5.75%
2012M08 327,059.00
88,017,982.00
9,056,866.00
5.75%
2012M09 325,566.00
89,847,631.00
8,719,914.00
5.75%
2012M10 326,119.00
90,990,586.00
8,509,416.00
5.75%
2012M11 327,069.00
91,606,089.00
7,917,477.00
5.75%
2012M12 361,967.00
92,569,720.00
7,934,083.00
5.75%
2013M01 326,829.00
93,361,649.00
10,112,904.00
5.75%
2013M02 321,483.00
94,309,821.00
8,550,967.00
5.75%
2013M03 331,179.00
95,155,740.00
8,286,140.00
5.75%
89
Universitas Sumatera Utara
2013M04 324,333.00
95,740,287.00
8,058,604.00
5.75%
2013M05 334,033.00
97,047,248.00
8,705,493.00
5.75%
2013M06 347,146.00
97,709,457.00
8,667,885.00
6.00%
2013M07 383,932.00
99,695,295.00
7,610,259.00
7.00%
2013M08 359,417.00
100,020,122.00
8,084,160.00
7.25%
2013M09 360,079.00
101,890,673.00
6,935,983.00
7.25%
2013M10 363,797.00
103,403,804.00
7,379,689.00
7.50%
2013M11 375,823.00
104,553,973.00
8,968,272.00
7.50%
2013M12 380,074.00
104,553,973.00
8,176,571.00
7.50%
2014M01 367,651.00
105,719,938.00
8,287,064.00
7.50%
2014M02 377,433.00
106,786,872.00
8,392,959.00
7.50%
2014M03 372,334.00
102,118,929.00
8,459,241.00
7.50%
2014M04 380,472.00
103,117,838.00
8,678,972.00
7.50%
2014M05 381,644.00
105,921,250.00
8,766,067.00
7.50%
2014M06 452,769.00
109,084,641.00
8,894,575.00
7.50%
2014M07 399,272.00
112,120,831.00
9,074,686.00
7.50%
2014M08 395,234.00
115,558,251.00
9,185,770.00
7.50%
2014M09 396,114.00
116,856,106.00
9,262,079.00
7.50%
2014M10 405,706.00
120,291,253.00
9,264,960.00
7.75%
2014M11 419,185.00
121,871,551.00
10,436,980.00
7.75%
90
Universitas Sumatera Utara
Lampiran 2
Dependent Variable: U_KARTAL
Method: Least Squares
Date: 08/26/16 Time: 23:08
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
BUNGA
KLIRING
APMK
C
241291.7
-0.005157
0.003291
57210.63
328116.7
0.002789
0.000121
31885.48
0.735384
-1.848879
27.10866
1.794253
0.4652
0.0699
0.0000
0.0783
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.945147
0.942155
15190.67
1.27E+10
-649.7241
315.8912
0.000000
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
309381.8
63160.10
22.16014
22.30099
22.21512
1.529807
Dependent Variable: BUNGA
Method: Least Squares
Date: 08/30/16 Time: 07:17
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
U_KARTAL
KLIRING
APMK
C
4.04E-08
-1.98E-11
2.85E-11
0.051014
5.49E-08
1.18E-09
1.88E-10
0.011518
0.735384
-0.016886
0.151669
4.429079
0.4652
0.9866
0.8800
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.203767
0.160336
0.006212
0.002123
218.1472
4.691741
0.005475
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
0.065763
0.006779
-7.259227
-7.118377
-7.204245
0.081061
91
Universitas Sumatera Utara
Dependent Variable: APMK
Method: Least Squares
Date: 08/30/16 Time: 07:08
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
U_KARTAL
BUNGA
KLIRING
C
282.6597
14651956
1.391578
-15099205
10.42692
96604733
0.821178
9395434.
27.10866
0.151669
1.694611
-1.607079
0.0000
0.8800
0.0958
0.1138
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.944067
0.941016
4451570.
1.09E+15
-984.8636
309.4383
0.000000
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
85408791
18329286
33.52080
33.66165
33.57578
1.435503
Dependent Variable: KLIRING
Method: Least Squares
Date: 08/30/16 Time: 07:13
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
U_KARTAL
BUNGA
APMK
C
-11.34748
-261176.0
0.035659
9173648.
6.137492
15467405
0.021042
915485.1
-1.848879
-0.016886
1.694611
10.02053
0.0699
0.9866
0.0958
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.062509
0.011374
712594.8
2.79E+13
-876.7698
1.222419
0.310278
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
8691339.
716682.0
29.85660
29.99745
29.91158
1.391223
92
Universitas Sumatera Utara
Hasil uji asumsi klasik
Multikolinearitas
Variance Inflation Factors
Date: 08/30/16 Time: 07:27
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Variance
Uncentered
VIF
Centered
VIF
BUNGA
KLIRING
APMK
C
1.08E+11
7.78E-06
1.47E-08
1.02E+09
120.2895
151.2461
28.74092
259.9465
1.243685
1.004261
1.244892
NA
Autokrelasi
Breusch-Godfrey Serial Correlation LM Test:
F-statistic
Obs*R-squared
1.932023
4.009188
Prob. F(2,53)
Prob. Chi-Square(2)
0.1549
0.1347
Test Equation:
Dependent Variable: RESID
Method: Least Squares
Date: 08/30/16 Time: 07:30
Sample: 2010M01 2014M11
Included observations: 59
Presample missing value lagged residuals set to zero.
Variable
Coefficient
Std. Error
t-Statistic
Prob.
BUNGA
KLIRING
APMK
C
RESID(-1)
RESID(-2)
-14485.12
-0.000899
4.08E-06
8439.278
0.266366
-0.116272
323885.1
0.002782
0.000120
31681.75
0.138085
0.139810
-0.044723
-0.322999
0.033993
0.266377
1.929007
-0.831644
0.9645
0.7480
0.9730
0.7910
0.0591
0.4093
R-squared
Adjusted R-squared
S.E. of regression
0.067952
-0.019977
14939.62
Mean dependent var
S.D. dependent var
Akaike info criterion
1.41E-11
14792.59
22.15756
93
Universitas Sumatera Utara
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
1.18E+10
-647.6482
0.772809
0.573630
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
22.36884
22.24004
2.049714
94
Universitas Sumatera Utara
Jumlah Uang Kartal Beredar, Transaksi APMK, Transaksi Kliring, Suku
Bunga Tabungan
Uang
OBS.
Kartal
APMK
Kliring
Bunga
2010M01 211,811.00
57,243,995.00
10,436,980.00
6.50%
2010M02 211,708.00
57,555,243.00
8,678,972.00
6.50%
2010M03 205,083.00
58,396,289.00
9,264,960.00
6.50%
2010M04 211,390.00
59,070,631.00
9,262,079.00
6.50%
2010M05 214,695.00
59,688,516.00
8,766,067.00
6.50%
2010M06 222,828.00
60,526,532.00
9,074,686.00
6.50%
2010M07 228,239.00
61,307,117.00
9,185,770.00
6.50%
2010M08 241,166.00
62,989,583.00
8,459,241.00
6.50%
2010M09 229,825.00
63,732,425.00
8,894,575.00
6.50%
2010M10 235,709.00
64,082,708.00
8,392,959.00
6.50%
2010M11 238,500.00
65,200,167.00
8,287,064.00
6.50%
2010M12 260,227.00
65,213,838.00
8,176,571.00
6.50%
2011M01 247,481.00
67,298,181.00
10,013,207.00
6.50%
2011M02 245,327.00
68,255,935.00
8,690,959.00
6.75%
2011M03 241,618.00
69,574,816.00
9,046,902.00
6.75%
2011M04 252,013.00
70,352,969.00
8,604,511.00
6.75%
2011M05 254,066.00
71,401,663.00
7,441,003.00
6.75%
2011M06 261,504.00
72,569,316.00
9,165,106.00
6.75%
88
Universitas Sumatera Utara
2011M07 275,437.00
72,575,544.00
7,765,599.00
6.75%
2011M08 324,725.00
73,657,289.00
7,798,818.00
6.75%
2011M09 279,224.00
74,137,547.00
8,984,454.00
6.75%
2011M10 281,341.00
75,250,703.00
7,859,164.00
6.50%
2011M11 279,066.00
76,275,601.00
7,768,430.00
6.00%
2011M12 307,760.00
78,170,692.00
8,432,659.00
6.00%
2012M01 286,242.00
78,142,043.00
9,540,838.00
6.00%
2012M02 280,103.00
79,216,918.00
9,020,276.00
5.75%
2012M03 287,046.00
80,611,958.00
9,632,170.00
5.75%
2012M04 290,861.00
81,912,823.00
8,241,212.00
5.75%
2012M05 294,768.00
83,307,867.00
8,794,513.00
5.75%
2012M06 314,670.00
84,771,378.00
9,637,891.00
5.75%
2012M07 315,375.00
86,706,895.00
9,093,312.00
5.75%
2012M08 327,059.00
88,017,982.00
9,056,866.00
5.75%
2012M09 325,566.00
89,847,631.00
8,719,914.00
5.75%
2012M10 326,119.00
90,990,586.00
8,509,416.00
5.75%
2012M11 327,069.00
91,606,089.00
7,917,477.00
5.75%
2012M12 361,967.00
92,569,720.00
7,934,083.00
5.75%
2013M01 326,829.00
93,361,649.00
10,112,904.00
5.75%
2013M02 321,483.00
94,309,821.00
8,550,967.00
5.75%
2013M03 331,179.00
95,155,740.00
8,286,140.00
5.75%
89
Universitas Sumatera Utara
2013M04 324,333.00
95,740,287.00
8,058,604.00
5.75%
2013M05 334,033.00
97,047,248.00
8,705,493.00
5.75%
2013M06 347,146.00
97,709,457.00
8,667,885.00
6.00%
2013M07 383,932.00
99,695,295.00
7,610,259.00
7.00%
2013M08 359,417.00
100,020,122.00
8,084,160.00
7.25%
2013M09 360,079.00
101,890,673.00
6,935,983.00
7.25%
2013M10 363,797.00
103,403,804.00
7,379,689.00
7.50%
2013M11 375,823.00
104,553,973.00
8,968,272.00
7.50%
2013M12 380,074.00
104,553,973.00
8,176,571.00
7.50%
2014M01 367,651.00
105,719,938.00
8,287,064.00
7.50%
2014M02 377,433.00
106,786,872.00
8,392,959.00
7.50%
2014M03 372,334.00
102,118,929.00
8,459,241.00
7.50%
2014M04 380,472.00
103,117,838.00
8,678,972.00
7.50%
2014M05 381,644.00
105,921,250.00
8,766,067.00
7.50%
2014M06 452,769.00
109,084,641.00
8,894,575.00
7.50%
2014M07 399,272.00
112,120,831.00
9,074,686.00
7.50%
2014M08 395,234.00
115,558,251.00
9,185,770.00
7.50%
2014M09 396,114.00
116,856,106.00
9,262,079.00
7.50%
2014M10 405,706.00
120,291,253.00
9,264,960.00
7.75%
2014M11 419,185.00
121,871,551.00
10,436,980.00
7.75%
90
Universitas Sumatera Utara
Lampiran 2
Dependent Variable: U_KARTAL
Method: Least Squares
Date: 08/26/16 Time: 23:08
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
BUNGA
KLIRING
APMK
C
241291.7
-0.005157
0.003291
57210.63
328116.7
0.002789
0.000121
31885.48
0.735384
-1.848879
27.10866
1.794253
0.4652
0.0699
0.0000
0.0783
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.945147
0.942155
15190.67
1.27E+10
-649.7241
315.8912
0.000000
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
309381.8
63160.10
22.16014
22.30099
22.21512
1.529807
Dependent Variable: BUNGA
Method: Least Squares
Date: 08/30/16 Time: 07:17
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
U_KARTAL
KLIRING
APMK
C
4.04E-08
-1.98E-11
2.85E-11
0.051014
5.49E-08
1.18E-09
1.88E-10
0.011518
0.735384
-0.016886
0.151669
4.429079
0.4652
0.9866
0.8800
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.203767
0.160336
0.006212
0.002123
218.1472
4.691741
0.005475
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
0.065763
0.006779
-7.259227
-7.118377
-7.204245
0.081061
91
Universitas Sumatera Utara
Dependent Variable: APMK
Method: Least Squares
Date: 08/30/16 Time: 07:08
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
U_KARTAL
BUNGA
KLIRING
C
282.6597
14651956
1.391578
-15099205
10.42692
96604733
0.821178
9395434.
27.10866
0.151669
1.694611
-1.607079
0.0000
0.8800
0.0958
0.1138
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.944067
0.941016
4451570.
1.09E+15
-984.8636
309.4383
0.000000
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
85408791
18329286
33.52080
33.66165
33.57578
1.435503
Dependent Variable: KLIRING
Method: Least Squares
Date: 08/30/16 Time: 07:13
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Std. Error
t-Statistic
Prob.
U_KARTAL
BUNGA
APMK
C
-11.34748
-261176.0
0.035659
9173648.
6.137492
15467405
0.021042
915485.1
-1.848879
-0.016886
1.694611
10.02053
0.0699
0.9866
0.0958
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.062509
0.011374
712594.8
2.79E+13
-876.7698
1.222419
0.310278
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
8691339.
716682.0
29.85660
29.99745
29.91158
1.391223
92
Universitas Sumatera Utara
Hasil uji asumsi klasik
Multikolinearitas
Variance Inflation Factors
Date: 08/30/16 Time: 07:27
Sample: 2010M01 2014M11
Included observations: 59
Variable
Coefficient
Variance
Uncentered
VIF
Centered
VIF
BUNGA
KLIRING
APMK
C
1.08E+11
7.78E-06
1.47E-08
1.02E+09
120.2895
151.2461
28.74092
259.9465
1.243685
1.004261
1.244892
NA
Autokrelasi
Breusch-Godfrey Serial Correlation LM Test:
F-statistic
Obs*R-squared
1.932023
4.009188
Prob. F(2,53)
Prob. Chi-Square(2)
0.1549
0.1347
Test Equation:
Dependent Variable: RESID
Method: Least Squares
Date: 08/30/16 Time: 07:30
Sample: 2010M01 2014M11
Included observations: 59
Presample missing value lagged residuals set to zero.
Variable
Coefficient
Std. Error
t-Statistic
Prob.
BUNGA
KLIRING
APMK
C
RESID(-1)
RESID(-2)
-14485.12
-0.000899
4.08E-06
8439.278
0.266366
-0.116272
323885.1
0.002782
0.000120
31681.75
0.138085
0.139810
-0.044723
-0.322999
0.033993
0.266377
1.929007
-0.831644
0.9645
0.7480
0.9730
0.7910
0.0591
0.4093
R-squared
Adjusted R-squared
S.E. of regression
0.067952
-0.019977
14939.62
Mean dependent var
S.D. dependent var
Akaike info criterion
1.41E-11
14792.59
22.15756
93
Universitas Sumatera Utara
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
1.18E+10
-647.6482
0.772809
0.573630
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
22.36884
22.24004
2.049714
94
Universitas Sumatera Utara