Peluang Dompet Digital Menjadi Pendamping Kartu Kredit Pemerintah

HABEAHAN, HISQIA GAPRIAN (2022) Peluang Dompet Digital Menjadi Pendamping Kartu Kredit Pemerintah. KTTA thesis, Politeknik Keuangan Negara STAN.

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Abstract

Penggunaan KKP telah menginjak tahun ketiga sejak resmi digunakan. Seiring berjalannya waktu penggunaan KKP sudah mengalami banyak dinamika. Lain dari pada itu, zaman juga berubah dimana dompet digital menjadi teknologi baru yang marak digunakan belakangan ini. Hal ini yang melatarbelakangi gagasan menjadikan dompet digital sebagai pendamping KKP. Tujuan penelitian ini adalah mengetahui dinamika pengunaan Kartu Kredit Pemerintah di KPPN Jakarta II dan beberapa satker dibawahnya, memperdalam pengetahuan dan pemahaman penulis, secara teori maupun praktik terkait kelegal-an keberadaan dompet digital di Indonesia dan mengetahui kemungkinan digunakannya dompet digital sebagai pendamping KKP. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan dan Studi lapangan. Sumber data yang diolah berasal dari buku perkuliahan, undang-undang dan PMK yang terkait. Berdasarkan penelitian yang dilakukan, diperoleh kesimpulan bahwa penggunaan KKP di satker KPPN Jakarta II, KPPN Khusus Investasi dan KPPN Khusus Penerimaan sudah berjalan baik dan sangat membantu. Selain itu terdapat beberapa kendala berupa sosalisasi yang perlu ditingkatkan. Simpulan selanjutnya eksistensi dompet digital di Indonesia sudah terjamin legalitasnya melalui Peraturan Bank Indonesia. Menurut 2 dari 3 narasumber, dompet digital belum dirasa perlu untuk menjadi pendamping KKP./ The use of Government Credit Card (GCC) has entered its third year since it was officially used. Over time, the use of GCCs has experienced many dynamics. Apart from that, times have also changed where e-wallets have become a new technology that is widely used in recent times. This is the background of the idea of making a digital wallet as a companion to the GCC. The purpose of this research is to find out the dynamics of using Government Credit Cards at KPPN Jakarta II and several satkers below it, to deepen the author's knowledge and understanding, both theoretically and practically related to the legality of e-wallets in Indonesia and to find out the possibility of using digital wallets as a companion to the GCC. This research uses a qualitative approach with a literature study method and field studies. Sources of processed data come from lecture books, laws and related PMK. Based on the research conducted, it was concluded that the use of GCC in the satker KPPN Jakarta II, KPPN Khusus Investasi and KPPN Khusus Penerimaan has been running well and very helpful. In addition, there are several obstacles in the form of socialization that need to be improved. The next conclusion is that the existence of e-wallets in Indonesia has been guaranteed legality through Bank Indonesia Regulations. According to 2 out of 3 sources, digital wallets are not deemed necessary to be a companion to the GCC.

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