Perkembangan Uang sebagai Alat Pembayaran dan Peran Bank Berdasarkan Regulasi di Indonesia: Tinjauan Pustaka

Development of Money as a Payment Instrument and the Role of Banks Based on Regulations in Indonesia: A Literature Review

Abstract

Introduction: The development of money as a payment instrument and the role of banks are crucial aspects in Indonesia's economic system. Money has replaced the barter system and serves as a medium of exchange and payment. Banks, especially commercial banks, form the core of the financial system, providing various services and acting as intermediaries for funds.

Methods: This study adopts a literature review method, a theoretical approach that references relevant sources related to values, culture, and norms within the studied society. The method does not involve field data collection but rather analyzes scholarly literature such as books, journals, and other documents. The keywords "sejarah uang di dunia" dan "fungsi bank di Indonesia" were used to search for sources on Google Scholar, serving as references for defining money and banks.

Results: The history of money shows its evolution from commodity money to paper and digital money. Money functions as a medium of exchange in the economy, facilitating the exchange of goods and services. Commercial banks play a complex role, including creating digital money and acting as financial intermediaries for society. Commercial banks have the primary functions of collecting and channeling public funds, providing various facilities and services to the public. They also play a role in facilitating international transactions and safeguarding valuable items. The future of money and banks will face challenges in technology, financial security, regulations, as well as opportunities for financial inclusion and innovation. Banks need to innovate, improve services, and maintain integrity to create an inclusive, secure, and sustainable future.

Conclusion: The development and evolution of money as a payment instrument and the role of banks in Indonesia have been significant. Commercial banks have complex functions within the financial system and society. The future of money and banks requires adjustments to address existing challenges and opportunities, aiming for a better future.