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Ringkasan Sistem Pembayaran

Payment System Overview

Ringkasan indikator utama sistem pembayaran nasional, mencakup key metrics UYD, transaksi non-tunai, dan infrastruktur pasar keuangan.

1 Tabel
20 Indikator
+2 Baru

Daftar Tabel

A.1

Indikator Utama Sistem Pembayaran

SIMPLIFY

Key Payment System Indicators

20
indikator

Justifikasi

Tabel 1 saat ini berisi 23 indikator campuran. Disederhanakan menjadi 20 indikator inti yang fokus pada key metrics sistem pembayaran. Menambahkan Digital Payment Ratio dan Fast Payment Share sesuai CPMI Red Book.

Sumber Tabel: 1
Benchmark: CPMI-BIS Red Book Table 1 (Comparative tables - Key figures on payment system)
+2 indikator baru

Daftar Lengkap Indikator A.1 — 14 Indikator Inti (+ 11 Baru)

currency_circulation

9 indikator

2

Uang Beredar dalam Arti Sempit (M1)/ PDB Harga Berlaku1)

ADD

Currency in Circulation · currency_circulation

%

Total value and volume of banknotes and coins in circulation issued by the central bank

Total value and volume of banknotes and coins in circulation issued by the central bank

Detail tersedia di halaman indikator
Detail Lengkap
3

UYD terhadap PDB Harga Berlaku

ADD

Currency in Circulation · currency_circulation

%

Total value and volume of banknotes and coins in circulation issued by the central bank

Total value and volume of banknotes and coins in circulation issued by the central bank

Detail tersedia di halaman indikator
Detail Lengkap
4

UYD terhadap Konsumsi Rumah Tangga Harga Berlaku

KEEP

Banknotes & Coins · currency_circulation

%

Total value and volume of banknotes and coins in circulation issued by the central bank

Total value and volume of banknotes and coins in circulation issued by the central bank

Detail tersedia di halaman indikator
Detail Lengkap
18

Kredit

ADD

Kredit · currency_circulation

%

%

Detail tersedia di halaman indikator
Detail Lengkap
20

1. Cek

ADD

1. Cek · currency_circulation

%

%

Detail tersedia di halaman indikator
Detail Lengkap
21

2. Bilyet Giro

ADD

2. Bilyet Giro · currency_circulation

%

%

Detail tersedia di halaman indikator
Detail Lengkap
22

3. Lainnya

ADD

3. Lainnya · currency_circulation

%

%

Detail tersedia di halaman indikator
Detail Lengkap
27

Jumlah Surat Berharga yang Ditatausahakan di CSD

ADD

Jumlah Surat Berharga yang Ditatausahakan di CSD · currency_circulation

Ribu/ Thousand

Ribu/ Thousand

Detail tersedia di halaman indikator
Detail Lengkap
28

Nilai Surat Berharga yang Ditatausahakan di CSD

ADD

Nilai Surat Berharga yang Ditatausahakan di CSD · currency_circulation

Rp Miliar/ Billions of Rp

Rp Miliar/ Billions of Rp

Detail tersedia di halaman indikator
Detail Lengkap

macro_context

2 indikator

5

Uang Kartal yang Beredar di Masyarakat terhadap DPK Rupiah

ADD

Jumlah Bank Umum · macro_context

%

Macroeconomic context indicators providing background for payment statistics interpretation

Macroeconomic context indicators providing background for payment statistics interpretation

Detail tersedia di halaman indikator
Detail Lengkap
7

Jumlah Bank Umum

KEEP

Volume transaksi · macro_context

Bank

Macroeconomic context indicators providing background for payment statistics interpretation

Macroeconomic context indicators providing background for payment statistics interpretation

Detail tersedia di halaman indikator
Detail Lengkap

retail_clearing

1 indikator

10

Dana Float terhadap Jumlah Instrumen Uang Elektronik

KEEP

1. Cek · retail_clearing

Rp/ Unit

Retail payment clearing systems including automated clearing houses, cheque clearing, and bilateral netting

Retail payment clearing systems including automated clearing houses, cheque clearing, and bilateral netting

Detail tersedia di halaman indikator
Detail Lengkap

securities_infra

2 indikator

13

Volume transaksi

ADD

Jumlah Kontrak dan Transaksi yang diterima oleh CCP · securities_infra

Ribu Transaksi/ Thousand Transaction

Securities clearing, settlement, and depository infrastructure including CCP (KPEI) and CSD (KSEI)

Securities clearing, settlement, and depository infrastructure including CCP (KPEI) and CSD (KSEI)

Detail tersedia di halaman indikator
Detail Lengkap
14

Nilai transaksi

ADD

Nilai Kontrak dan Transaksi yang Diterima oleh CCP · securities_infra

Rp Miliar/ Billions of Rp

Securities clearing, settlement, and depository infrastructure including CCP (KPEI) and CSD (KSEI)

Securities clearing, settlement, and depository infrastructure including CCP (KPEI) and CSD (KSEI)

Detail tersedia di halaman indikator
Detail Lengkap

Daftar Indikator Deep Dive(14 indikator)

Total:14
14 KEEP0 ADD
A1-002KEEP

Uang Beredar dalam Arti Sempit (M1)/ PDB Harga Berlaku1)

Uang Beredar dalam Arti Sempit (M1)/ PDB Harga Berlaku1)

-

YoY
A1-003KEEP

UYD terhadap PDB Harga Berlaku

UYD terhadap PDB Harga Berlaku

-

YoY
A1-004KEEP

UYD terhadap Konsumsi Rumah Tangga Harga Berlaku

UYD terhadap Konsumsi Rumah Tangga Harga Berlaku

-

YoY
A1-005KEEP

Uang Kartal yang Beredar di Masyarakat terhadap DPK Rupiah

Uang Kartal yang Beredar di Masyarakat terhadap DPK Rupiah

-

YoY
A1-007KEEP

Jumlah Bank Umum

Jumlah Bank Umum

-

YoY
A1-010KEEP

Dana Float terhadap Jumlah Instrumen Uang Elektronik

Dana Float terhadap Jumlah Instrumen Uang Elektronik

-

YoY
A1-013KEEP

Volume transaksi

Volume transaksi

819,12 Ribu

-4.9%YoY
A1-014KEEP

Nilai transaksi

Nilai transaksi

Rp 15.510.900,62 Miliar

-0.89%YoY
A1-018KEEP

Kredit

Kredit

93.12%

-0.13%YoY
A1-020KEEP

1. Cek

1. Cek

1.36%

-1.05%YoY
A1-021KEEP

2. Bilyet Giro

2. Bilyet Giro

5.52%

+2.43%YoY
A1-022KEEP

3. Lainnya

3. Lainnya

0.00%

+49.05%YoY
A1-027KEEP

Jumlah Surat Berharga yang Ditatausahakan di CSD

Jumlah Surat Berharga yang Ditatausahakan di CSD

-

YoY
A1-028KEEP

Nilai Surat Berharga yang Ditatausahakan di CSD

Nilai Surat Berharga yang Ditatausahakan di CSD

-

YoY

Detail Indikator (10 Sections)

Pilih indikator untuk melihat detail lengkap: Definisi, Interpretasi, Sejarah, Metodologi, Sumber Data, Snapshot, Benchmark, Referensi, dan Metadata.

PILIH INDIKATOR

A1-002KEEP

Uang Beredar dalam Arti Sempit (M1)/ PDB Harga Berlaku1)

Uang Beredar dalam Arti Sempit (M1)/ PDB Harga Berlaku1)

%
Unit
Kategori: Uang Yang Beredar
Bab: Bab A

Formal

Indikator sistem pembayaran dari Tabel 1 SPIP Juli 2026 Bank Indonesia.

Bahasa Mudah

Data statistik sistem pembayaran Indonesia dari sumber resmi BI.

Fungsi

  • Monitoring stabilitas sistem pembayaran
  • Parameter kebijakan moneter dan sistem keuangan
  • Dasar pelaporan ke standar internasional (CPMI-BIS)

Signifikansi Ekonomi

Data ini digunakan untuk analisis stabilitas sistem keuangan, pelaporan internasional ke CPMI-BIS, dan formulasi kebijakan sistem pembayaran.

Nilai Terakhir (2025-12)

0 %

-

Time Series (24 data point)

PeriodeNilai
2020-0384,954
2020-0691,134
2020-0991,221
2020-1295,207
2021-0392,305
2021-0692,512
2021-0991,344
2021-1298,119
2022-0396,528
2022-0692,015
2022-0988,566
2022-1294,523
2023-0389,948
2023-0689,65
2023-0988,216
2023-1293,078
2024-0393,077
2024-0690,46
2024-0988,556
2024-1292,054
2025-0393,066
2025-0690,932
2025-0991,237
2025-1296,888

Indikator Baru

NEW-1

Digital Payment Ratio

CRITICAL

Digital Payment Ratio

Metodologi: Total transaksi digital (E-Money + Mobile Banking + Internet Banking + QRIS) / Total transaksi pembayaran non-tunai x 100%
Justifikasi: Indikator utama transformasi digital pembayaran. Digunakan oleh CPMI-BIS untuk mengukur kemajuan digitalisasi. G20 Roadmap for Enhancing Cross-border Payments juga menekankan indikator ini.
Sumber: Bank Indonesia
NEW-2

Fast Payment Share

CRITICAL

Fast Payment Transaction Share

Metodologi: Volume transaksi BI-FAST / Total volume transaksi ritel non-tunai x 100%
Justifikasi: BI-FAST diluncurkan Desember 2021 sebagai sistem pembayaran ritel real-time. CPMI-BIS Red Book 2024 menambahkan fast payment sebagai kategori baru. 65+ negara sudah memiliki fast payment system.
Sumber: Bank Indonesia - BI-FAST

Benchmark Internasional

1-1

Uang Yang Beredar

Currency in Circulation

100%

Total uang kartal yang diedarkan oleh Bank Indonesia (uang kertas + uang logam).

Red Book: Table 4 - Banknotes and coins

Ekuivalen Internasional

BIS/CPMI—Total value of banknotes and coins in circulation
Annual
United States—Currency in Circulation
Weekly
ECB—Euro banknotes in circulation
Monthly
Japan—Banknotes in Circulation
Monthly
1-2

M1/PDB Harga Berlaku

Narrow Money (M1) / GDP at Current Price

95%

Rasio uang beredar dalam arti sempit (M1) terhadap PDB harga berlaku.

Red Book: Table 1 - Key figures

Ekuivalen Internasional

IMF—Broad Money to GDP
Annual
World Bank—Money and quasi money (M2) as % of GDP
Annual
1-3

UYD terhadap PDB

Currency in Circulation to GDP

100%

Rasio uang kartal yang diedarkan terhadap PDB harga berlaku.

Red Book: Table 1 - Key figures (Cash/GDP ratio)

Ekuivalen Internasional

BIS/CPMI—Currency in circulation as % of GDP
Annual
ECB—Cash/GDP ratio
Annual
1-13

Volume Transaksi RTGS

RTGS Transaction Volume

100%

Jumlah transaksi yang diproses melalui sistem BI-RTGS.

Red Book: Table 11 - Large-value payment systems

Ekuivalen Internasional

BIS/CPMI—LVPS - Number of transactions
Annual
United States—Fedwire Funds Service - Volume
Annual
ECB—TARGET - Number of transactions
Annual
Japan—BOJ-NET Funds Transfer Volume
Annual
1-14

Nilai Transaksi RTGS

RTGS Transaction Value

100%

Total nilai transaksi yang diproses melalui sistem BI-RTGS.

Red Book: Table 11 - Large-value payment systems

Ekuivalen Internasional

BIS/CPMI—LVPS - Value of transactions
Annual
United States—Fedwire Funds Service - Value
Annual
NEW-1

Digital Payment Ratio

Digital Payment Ratio

75%

Total transaksi digital / Total transaksi non-tunai x 100%.

Red Book: Table 9 - Innovative payment services

Ekuivalen Internasional

BIS/CPMI—Fast payments as share of retail payments
Annual
India—UPI Share of Digital Transactions
Monthly
China—Mobile Payment Ratio
Quarterly
Sweden—Electronic payments share
Annual
NEW-2

Fast Payment Share

Fast Payment Transaction Share

65%

BI-FAST volume / Total retail non-cash volume x 100%.

Red Book: Table 9 - Innovative payment services (Fast payments)

Ekuivalen Internasional

India—UPI Transaction Volume
Monthly
Thailand—PromptPay Volume
Monthly
Australia—NPP Transaction Volume
Monthly
United Kingdom—Faster Payments Volume
Monthly
Brazil—PIX Transaction Volume
Monthly
Bab B: Uang Beredar dan Uang Kartal