Analisis Pengaruh Transaksi Alat Pembayaran Dengan Menggunakan Kartu (APMK) Terhadap Perputaran Uang di Indonesia

LAMPIRAN
Lampiran 1. Jumlah nilai transaksi kartu ATM-Debit di Indonesia dari
kuartal 1 2003 hingga kuarta 4 2014 (jutaan rupiah)
2003

Nominal
ATM-Debit

2007

Nominal
ATM-Debit

2011

Nominal
ATM-Debit

Kuartal 1

50289952

Kuartal 1

335037113

Kuartal 1

563712334

Kuartal 2

52601723

Kuartal 2

402726106

Kuartal 2

589853762

Kuartal 3

58950347

Kuartal 3

452722763

Kuartal 3

648175421

Kuartal 4

63580748

Kuartal 4

488913128

Kuartal 4

675299933

2004

Nominal
ATM-Debit

2008

Nominal
ATM-Debit

2012

Nominal
ATM-Debit

Kuartal 1

112812177

Kuartal 1

484644855

Kuartal 1

696503540

Kuartal 2

125871429

Kuartal 2

533839015

Kuartal 2

744799026

Kuartal 3

146714594

Kuartal 3

563957401

Kuartal 3

804533169

Kuartal 4

159609226

Kuartal 4

473707152

Kuartal 4

819244307

2005

Nominal
ATM-Debit

2009

Nominal
ATM-Debit

2013

Nominal
ATM-Debit

Kuartal 1

186436955

Kuartal 1

622020600

Kuartal 1

866341345

Kuartal 2

199647661

Kuartal 2

444501305

Kuartal 2

934381706

Kuartal 3

212452035

Kuartal 3

448646477

Kuartal 3

982364103

Kuartal 4

255074529

Kuartal 4

465276683

Kuartal 4

1014283283

2006

Nominal
ATM-Debit

2010

Nominal
ATM-Debit

2014

Nominal
ATM-Debit

Kuartal 1

266542830

Kuartal 1

455021540

Kuartal 1

1039972605

Kuartal 2

288177258

Kuartal 2

479975149

Kuartal 2

1094870221

Kuartal 3

304389473

Kuartal 3

518603057

Kuartal 3

1150418008

Kuartal 4

324068270

Kuartal 4

548253456

Kuartal 4

1179317244

48

Lampiran 2. Jumlah nilai transaksi kartu kredit di Indonesia dari kuartal 1
2003 hingga kuarta 4 2014 (jutaan rupiah)
2003
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2004
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2005
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2006
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

Nominal
Kartu
Kredit
6274000
6603000
7553294
8269578
Nominal
Kartu
Kredit
8154667
8773218
9799745
10387414
Nominal
Kartu
Kredit
10668938
10943548
11884647
12898918
Nominal
Kartu
Kredit
13363614
13870422
15136678
15990296

2007
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2008
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2009
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2010
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

Nominal
Kartu
Kredit
15795948
17250638
19052785
20504835
Nominal
Kartu
Kredit
23869089
25335156
28753707
29311569
Nominal
Kartu
Kredit
40590817
33457818
35841189
37805138
Nominal
Kartu
Kredit
37311589
39565601
42009441
44321861

2011
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2012
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2013
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2014
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

Nominal
Kartu
Kredit
42944627
45066160
46825037
47766507
Nominal
Kartu
Kredit
47410864
50238959
51719282
52471630
Nominal
Kartu
Kredit
51436680
55230768
57084755
59617377
Nominal
Kartu
Kredit
53922549
63646096
65110371
69446479

49

Lampiran 3. Velocity of Money di Indonesia dari Kuartal 1 2003 hingga
kuartal 4 2014
2003
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2004
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2004
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2005
Kuartal 1
Kuartal 2
Kuartal 3
PDB/M1

Velocity of
Money
(PDB/M1)
2.31
2.22
2.14
2.34
Velocity of
Money
(PDB/M1)
2.53
2.45
2.49
2.36
Velocity of
Money
(PDB/M1)
2.55
2.47
2.59
2.61
Velocity of
Money
(PDB/M1)
2.76
2.57
2.56
2.42

2007
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2008
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2009
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2010
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

Velocity of
Money
(PDB/M1)
2.69
2.51
2.49
2.37
Velocity of
Money
(PDB/M1)
2.64
2.62
2.70
2.77
Velocity of
Money
(PDB/M1)
2.87
2.87
2.97
2.80
Velocity of
Money
(PDB/M1)
3.05
2.91
3.04
2.78

2011
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2012
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2013
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2014
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

Velocity
of Money
(PDB/M1)
3.01
2.86
2.94
2.65
Velocity
of Money
(PDB/M1)
2.76
2.63
2.66
2.49
Velocity
of Money
(PDB/M1)
2.65
2.58
2.72
2.67
Velocity
of Money
(PDB/M1)
2.80
2.62
2.76
2.77

50

Lampiran 4. Jumlah Uang Beredar di Indonesia dari Kuartal 1 2003 hingga
kuartal 4 2014 (milliar rupiah)
2003
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2004
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2005
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2006
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

M1
181,239
195,219
207,587
223,799
M1
218,998
234,726
240,911
253,818
M1
250,492
267,635
273,954
281,905
M1
277,293
313,153
333,905
361,073

2007
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2008
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2009
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2010
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

M1
341,833
381,376
411,281
460,842
M1
419,746
466,708
491,729
466,379
M1
458,581
482,621
490,502
515,824
M1
494,461
545,405
549,528
605,378

2011
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2012
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2013
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2014
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

M1
580,601
636,204
656,096
722,991
M1
714,258
779,416
795,518
841,722
M1
810,112
858,557
867,721
887,064
M1
853,494
945,784
949,173
942,144

51

Lampiran 5. PDB di Indonesia dari Kuartal 1 2003 hingga kuartal 4 2014
(milliar rupiah)
2003
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2004
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2005
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2006
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

PDB
nominal
419200
433300
444800
524200
PDB
nominal
553200
574000
599000
600000
PDB
nominal
639700
660000
708600
736800
PDB
nominal
765400
803400
854600
873300

2007
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2008
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2009
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2010
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

PDB
nominal
919300
958600
1023800
1093700
PDB
nominal
1110032,3
1220605,9
1327509,6
1290540,6
PDB
nominal
1317409,4
1383350,6
1456421,8
1446689,4
PDB
nominal
1505857
1588847,7
1670567,1
1681580,1

2011
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2012
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2013
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4
2014
Kuartal 1
Kuartal 2
Kuartal 3
Kuartal 4

PDB
nominal
1749386,9
1822473,3
1929006,2
1918320,7
PDB
nominal
1972890,8
2047705,9
2116302,1
2094027,1
PDB
nominal
2143260,1
2212148,1
2359100,3
2372768
PDB
nominal
2387055,8
2478081,7
2622612,6
2607178,8

52

Lampiran 6. Hasil Uji Multikolinierlitas
VOM

ATMDEBIT

KREDIT

VOM

1.000000

0.463598

0.584206

ATMDEBIT

0.463598

1.000000

0.955229

KREDIT

0.584206

0.955229

1.000000

Lampiran 7. Hasil Uji Multikolinieritas Setelah melakukan Transformasi
First Difference
DVOM

DKREDIT

DATMDEBIT

DVOM

1.000000

-0.173459

-0.052787

DKREDIT

-0.173459

1.000000

0.642810

DATMDEBIT

-0.052787

0.642810

1.000000

53

Lampiran 8. Hasil Regresi Dengan Metode Estimasi Menggunakan OLS
Dependent Variable: D(VOM)
Method: Least Squares
Date: 10/04/15 Time: 17:47
Sample (adjusted): 2003Q2 2014Q4
Included observations: 47 after adjustments

Variable

Coefficient

Std. Error

t-Statistic

Prob.

C

0.018474

0.025054

0.737343

0.4648

D(KREDIT)

-1.26E-08

1.03E-08

-1.230532

0.2250

D(ATMDEBIT)

3.41E-10

6.58E-10

0.517817

0.6072

R-squared

0.035963

Mean dependent var

0.009666

-0.007857

S.D. dependent var

0.147703

S.E. of regression

0.148282

Akaike info criterion

-0.917701

Sum squared resid

0.967451

Schwarz criterion

-0.799607

Log likelihood

24.56598

Hannan-Quinn criter.

-0.873262

F-statistic

0.820694

Durbin-Watson stat

Prob(F-statistic)

0.446750

Adjusted R-squared

3.073703

54

Lampiran 9. Hasil Regresi Setelah Melakukan Prosedur Ocharane-Orcutt.
Dependent Variable: DVOM
Method: Least Squares
Date: 10/04/15 Time: 07:20
Sample (adjusted): 2003Q3 2014Q4
Included observations: 46 after adjustments
Convergence achieved after 14 iterations

Variable

Coefficient

Std. Error

t-Statistic

Prob.

C

0.022042

0.015720

1.402207

0.1682

DKREDIT

3.82E-09

8.16E-09

0.468666

0.6417

DATMDEBIT

-6.62E-10

4.78E-10

-1.383246

0.1739

AR(1)

-0.639962

0.117757

-5.434574

0.0000

R-squared

0.398733

Mean dependent var

0.011907

Adjusted R-squared

0.355785

S.D. dependent var

0.148525

S.E. of regression

0.119211

Akaike info criterion

-1.332909

Sum squared resid

0.596869

Schwarz criterion

-1.173896

Log likelihood

34.65690

Hannan-Quinn criter.

-1.273342

F-statistic

9.284162

Durbin-Watson stat

Prob(F-statistic)

0.000079

Inverted AR Roots

1.724115

-.64

55