Pengaruh Regulasi Digital Cryptocurrency Model Bitcoin Terhadap Sistem Pembayaran Pada UMKM

@is The Best : Accounting Information Systems and Information Technology Business Enterprise

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Title Pengaruh Regulasi Digital Cryptocurrency Model Bitcoin Terhadap Sistem Pembayaran Pada UMKM
Pengaruh Regulasi Digital Cryptocurrency Model Bitcoin Terhadap Sistem Pembayaran Pada UMKM
 
Creator Manurung, Ria
Paath, David Kristian
 
Description Transaksi pembayaran secara online tak hanya menggunakan nominal sejumlah uang, tetapi menggunakan alternatif metode pembayaran dengan menggunakan uang virtual atau disebut dengan bitcoin. Tujuan penelitian untuk menganalisis dan mengetahui pengaruh regulasi digital Cryptocurrency terhadap sistem pembayaran pada Usaha Mikro Kecil dan Menengah (UMKM), mengetahui seberapa banyak UMKM yang pernah menggunakan bitcoin, sejauh mana perkembangan dari bitcoin tersebut. Penelitian menggunakan metode kualitatif dengan data primer diperoleh dari penyebaran kuisioner dan data sekunder yang terkait dengan penelitian melalui buku, jurnal, data kementerian keuangan dan Bank Indonesia. Penelitian  dilakukan di Kabupaten Banyumas dengan menggunakan sampel sebanyak 250 responden yang terdiri dari masyarakat pengguna mata uang virtual bitcoin baik UMKM maupun non UMKM. Pemilihan sampel melalui metode non probability sampling yaitu metode purposive sampling serta data dianalisis menggunakan analisis regresi linear berganda dengan alat bantu aplikasi SPSS. Variabel yang digunakan pada penelitian  yaitu ketetapan Bank Indonesia, keamanan sistem, dan peraturan otoritas jasa keuangan sebagai variabel X sedangkan variabel Y adalah sistem pembayaran pada UMKM. Hasil analisis masing-masing koefisien regresi yakni b1 = -0,021; b2 = 0,043; b3 = 0,10. Kesimpulan penelitian yaitu regulasi penggunaan digital cryptocurrency memiliki pengaruh signifikansi yang relatif kecil terhadap sistem pembayaran pada UMKM di kota Purwokerto. Penggunaan bitcoin mengalami peningkatan walaupun belum ada aturan yang berlaku di Indonesia khususnya daerah Banyumas.
Online payment transactions not only use a nominal amount of money, but also use an alternative payment method using virtual money or known as bitcoin. The research objective is to analyze and determine the effect of digital cryptocurrency regulations on the payment system for Micro, Small and Medium Enterprises (MSMEs), to find out how many MSMEs have used bitcoin, the extent of the development of bitcoin. This research uses qualitative methods with primary data obtained from distributing questionnaires and secondary data related to research through books, journals, data from the Ministry of Finance and Bank Indonesia. The research was conducted in Banyumas Regency using a sample of 250 respondents consisting of the MSMEs and non MSMEs virtual currency users. The sample selection was done through non-probability sampling method, namely purposive sampling method and the data were analyzed using multiple linear regression analysis with SPSS application tools. The variables used in this study are Bank Indonesia regulations, system security, and financial service authority regulations as variable X while variable Y is the payment system for MSMEs. The results of the analysis of each regression coefficient are b1 = -0.021; b2 = 0.043; b3 = 0.10. The conclusion of the study is that the regulation of the use of digital cryptocurrency has a relatively small significance effect on the payment system for MSMEs in the city of Purwokerto. The use of bitcoin has increased even though there are no applicable regulations in Indonesia, especially the Banyumas area.
 
Publisher Labkat Press KA FTIK UNIKOM
 
Date 2020-12-27
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://ojs.unikom.ac.id/index.php/aisthebest/article/view/4017
10.34010/aisthebest.v5i2.4017
 
Source @is The Best : Accounting Information Systems and Information Technology Business Enterprise; Vol 5 No 2 (2020): @is The Best : Accounting Information Systems and Information Technology Business Enterprise; 151-165
@is The Best : Accounting Information Systems and Information Technology Business Enterprise; Vol 5 No 2 (2020): @is The Best : Accounting Information Systems and Information Technology Business Enterprise; 151-165
2656-808X
2252-9853
10.34010/aisthebest.v5i2
 
Language eng
 
Relation https://ojs.unikom.ac.id/index.php/aisthebest/article/view/4017/2190
 
Rights Copyright (c) 2020 @is The Best : Accounting Information Systems and Information Technology Business Enterprise
http://creativecommons.org/licenses/by-nc-sa/4.0
 

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