Analisis Penerapan Sistem Transaksi Non Tunai Dalam Pengelolaan Keuangan Daerah Pada Badan Keuangan Dan Aset Daerah Kabupaten Dairi

This study aims to determine, analyze and factor constraints in the application of non-cash transaction systems in regional financial management at the Regional Finance and Assets Agency of Dairi Regency. This study uses a descriptive method with a qualitative approach, namely taking data related to the problems to be studied so that it can be described descriptively, qualitatively and comprehensively, which describes the prevailing reality and discusses the problems raised related to the Application of the Non-Cash Transaction System. In Regional Financial Management at the Regional Finance and Assets Agency of Dairi Regency. The results showed that the Regional Finance and Assets Agency of Dairi Regency has not been able to fully implement non-cash financial transactions on revenue receipts and expenditures as stipulated in Perbup Dairi No. 43 of 2020. The obstacles faced in implementing or implementing transactions have not been overcome, because there are indeed many field conditions that are not in accordance with the implementation of non-cash transactions. Employees are still not able to handle non-cash transaction processing, while the training program is inadequate because the available equipment, especially for practicing, is very limited.

Cash-Management in Times of Covid-19

The incidence of COVID-19 has systematically decreased households’ use of cash as means of payment as well as the average size and frequency of cash withdrawals. We argue that the structure of Baumol–Tobin type inventory theoretical models and their extensions can be used to separate the confounding factors, such as the desired level of consumption and the choice of the fraction of consumption paid in cash, from the cash management behavior, i.e. the size and frequency of cash withdrawals. Using this insight we argue that the observed cash management is consistent with COVID-19 increasing the fixed cost of withdrawing cash. We use detailed data on ATM cash disbursements in Argentina, Chile, and the US to estimate how much the pandemic has changed the transaction cost of using cash. This estimation shows that if the intensity of the virus doubles in a county, cash transaction cost increases by approximately 2%. The results from Argentina, Chile, and the US are remarkably similar and robust to several forms of measurement error and endogeneity.

The Impact of Transformation of Social Assistance on Financial Inclusion and Welfare of Beneficiary Families

This study is based on the transformation of the distribution of cash social assistance into non-cash in the City of Tegal. The non-cash distribution is by using a banking account that has a combo card facility, which is a multi-function card that can be used as an ATM card as well as disbursement of social assistance. There is a slice of the objectives of the non-cash transaction referred to as an alternative to accelerate the increase in financial inclusion of the Indonesian population as stated in the National Strategy for Financial Inclusion with the financial inclusion index indicator. This study aims to determine the impact of the transformation of the distribution of social assistance on financial inclusion in Tegal City and the welfare of beneficiary families (KPM). Primary data were collected from questionnaires that have been filled in by KPM and secondary data were obtained from the Central Bureau of Statistics and the Representative Office of Bank Indonesia Tegal. The analytical tool used is a quantitative approach to KPM's response to the distribution of non-cash social assistance. As supporting data, in the problem of financial inclusion, analysis tools are used by qualitatively comparing financial inclusion that is generated as a result of the implementation of the distribution of non-cash social assistance to existing financial inclusion. The analysis shows that the acceptance and perception of KPM supports the transformation of non-cash social assistance distribution, this is supported by KPM's interest in using combo cards as a means of saving. On the other hand, the transformation of the distribution of social assistance to non-cash contributes to financial inclusion in the city of Tegal, namely the Agent Laku Pandai (LKD) contributing 75.20% to banking financial services in Tegal City. From the 4 Welfare Indicator Classifications, it is found that the welfare of KPM has experienced changes in welfare after receiving non-cash social assistance and has improved the welfare of the beneficiary community (KPM).Keywords : Non-Cash Social Assistance, PKH, BPNT

Non-Cash Transaction Implementation In Local Government

This research is aimed to analyze the implementation of Non-Cash Transactions (NCT) in Local Government A and Local Government B by using four dimensions of public policy implementation model, namely communication, resources, disposition, and bureaucracy structure. Moreover, this research also identifies the factors which cause the low implementation of NCT in Local Government A when compared to Local Government B. This research uses the qualitative approach with multiple case studies. Researchers hope to see the comparison of NCT implementation in two different local governments to get more comprehensive picture of the effectiveness of NCT implementation in those local governments. Data collection was carried out through in-depth interviews using a semi-structured interview type and reviews on documents related to the implementation of NCT. The research data were analyzed using a thematic analysis and cross case analysis. The result of this study shows that the implementation of NCT in Local Government A was worse when compared to Local Government B. The factors that led to the low implementation of NCT in Local Government A were the lack NCT socialization to the community, limited facilities and infrastructure, weak commitment of the leader, and the absence of reward and punishment mechanisms.

Penerapan Algoritma C4.5 Dalam Memprediksi Ketersediaan Uang Pada Mesin ATM

This study aims to provide an evaluation of the availability of money in ATM machines using data mining. Data mining with the C4.5 algorithm is used to predict cash demand or total cash withdrawals at ATMs. To determine the need for ATM cash based on cash transaction data. It is hoped that this forecasting can help the monitoring department in making decisions about the money requirements that must be allocated to each ATM machine. The results of this study are expected to assist the ATM management unit in optimizing and monitoring the availability of money at an ATM machine for cash needs, so that it can provide optimal service to customers. Algortima C4.5 is an algorithm that is able to form a decision tree, where the decision tree will then generate new knowledge. The results of the test matched the data on the availability of money at the ATM machine. The results of implementing the C4.5 method on the availability of money at the ATM machine are seen from the travel time to the ATM location and also the remaining balance in the machine. The resulting decision tree model is to make the balance variable as the root, then the travel time as a branch at Level 1 with the variables fast, medium, long, and the bank becomes a branch at the last level (Level 2). Then the C4.5 algorithm was tested using the K-Fold Cross validation method with the value of fold = 10, it can be seen that the accuracy rate is 85%, the Precision value is 80% and the Recall value is 66.67%. While the AUC (Area Under Curve) value is 0.833, this shows that if the AUC value approaches the value 1, the accuracy level is getting better

E-MONEY ANALYSIS OF THE NEED FOR BANKNOTES IN BATAM COMMUNITIES

This study discusses the Analysis of Cashless Development of Cash Needs. This study aims to see the extent of the readiness of the people in Batam for the use of non-cash transactions (debit / credit cards, emoney, etc.), as well as see whether the community is ready to no longer use paper-based money. This research method is qualitative (primary) or by distributing questionnaires with a total of 400 respondents in Batam and some data from information obtained from news and Bank Indonesia. The results of this study are people in Batam are still not ready yet to no longer use paper money due to internet facility factors that have not reached every region, not to mention because people are accustomed to using paper money, and public knowledge is still minimal in the use of non-cash transactions. The people of Batam prefer to reduce the production of paper based money by Bank Indonesia but do not eliminate the paper-based money because not all regions or transactions can use non-cash transaction facilities.

Quantitative parameters of anti-money laundering regulation

Subject. As financial institutions carry out a huge number of transactions, the financial sector definitely needs to automate some control procedures, including anti-money laundering ones. The effectiveness of automated control measures directly depends on how adequately tasks for the software are written. The article examines the impact of macroeconomic indicators, such as GDP per capita, average wage, and the scale of the shadow economy in the G20 countries and in two of the CIS countries (Belarus and Tajikistan) on thresholds of the fixed limit of transaction (FLT), which is regulated with the anti-money laundering legislation, including the fixed limit of cash transaction (FLCT). Objectives. I investigate approaches to setting FLT (FLCT) in different countries and formulate my opinion on this issue. Methods. The methodological basis of the study was made up of empirical and logical constructions, statistical analysis, synthesis, systems approach. Results. I identified why FLT (FLCT) are denied. This happens due to lawmakers’ confidence in the effectively controlled financial sector, or the corruption pressure. The countries with FLT (FLCT) introduce and use them formally. The article presents the risk-based approach to measuring the FLCT based on the macroeconomic indicators (average annual wages, savings per capita). Conclusions and Relevance. The case of Russia shows that the inflation undermines the barrier function of FLT (FLCT), while the analytical division of financial intelligence has to handle more issues. The proposed approach will help reduce costs the financial system incurs to process financial information in order to counter money laundering.

Implementasi Kebijakan Transaksi Non Tunai Pemerintah Daerah di Indonesia

Non cash transactions are a new paradigm in the management of government finance. Non cash transactions are implemented in line with the issuance of the Minister of Home Affairs circular No. 910/1866 in 2017 concerning the implementation of non cash transactions in local governments. This is in accordance with the provisions of Presidential Instruction No. 10 in 2016. The purpose of this study is to investigate the application of non cash transactions by local governments in Indonesia. The results showed that the implementation varies across local governments in Indonesia in terms of when local governments under studied began to implement the system, minimum amount or threshold for the cash transactions allowed by the local governments under studied and types of transactions that have been done under non-cash transactions. The implementation of the non cash system is carried out in accordance with the principles of good governance. This non cash transaction system provides several benefits and constraints in implementing it in local governments

Non-Cash transaction behavior of people Yogyakarta City: a case from Indonesia

The changes in information technology have also changed community behavior in doing transaction payments from cash to non-cash. This study aims to discover the effect of easiness, trust, life-style, and risk factors on people of Yogyakarta city interest to do a non-cash transaction. The research data were primary data obtained through interviews and questionnaires to 100 respondents in Malioboro shopping center which is the icon of Yogyakarta city, Indonesia. The data then estimated through multiple linear regression models using SPSS 16 statistical program. The result of the study empirically showed that easiness, trust, and life-style had positive and significant effects on the community’s choice to have non-cash transactions. Meanwhile, risk had a negative and significant effect on the interest of people in doing non-cash transactions. In general, non-cash payment promoted the intensity and capacity of a payment transaction because the payment is easier and cheaper. This study recommends increasing community awareness about the benefits and risks of a non-cash payment transaction. Moreover, law enforcement of customer protection from the misuse of non-cash payment facilities should be enhanced.

Design of Four Scenarios of Land Transaction in Blockchain Technology

In view of the frequent occurrence of false contracts and sales in land transactions in Southeast Asia, it is urgent to establish a way of land sales based on mutual trust. Is proposed based on (a) the buyer and the seller fingerprint proof law, (b) based on the smart contract registration to pay tax, (c) cash transaction registration law, (d) based on the wisdom to distinguish successor law, smart contract is proved as an application of Blockchain using proposed solutions follow the principle of fair and open, eliminate the false, false sales contract, Decentralized, no one can change the information after the transaction, beneficial land transaction efficient and accurate, promote economic development.