POTENSI PENGEMBANGAN TRANSAKSI NON TUNAI DI INDONESIA

Abstract

Indonesia is a emerging country in Southeast Asia which has very low non-cash payment rates. The number of non-cash transactions in Indonesia only reached 0.6%, while other countries such as Thailand have reached 2.8%, Malaysia 7.7% and Singapore reached 44.5%. Bank Indonesia's strategy to accelerate GNNT (Non-Cash National Movement) in the form of: (1) Establishment of Non-Cash Areas in Campus Environment, (2) Non-Cash Payment Instruments for Government Financial Services, and (3) Distribution of Government Social Assistance, has not yet given an optimal contribution to the growth of non-cash transactions in Indonesia. Therefore it is necessary research that aims to explore the potential carrying capacity that is able to maximize the Non-Cash National Movement in Indonesia. Research respondents are banking managers, experts or employees involved in the implementation of non-cash transaction instrumentation. Method of collecting data through structured interview. Based on this research, it is found that the implementation of non-cash movement can be improved by taking into account the potential of carrying capacity : (1) Speed, (2) Security, (3) Efficiency / Practice, (4) Value of money, and (5) Government program to formulate Strategy. Keywords : emerging country, non-cash transactions, carrying capacity, strategy