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Contemporary Studies in Economic, Finance and Banking (CSEFB)
Published by Universitas Brawijaya
ISSN : -     EISSN : 29633303     DOI : 10.21776/ub.csefb
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Publish all forms of quantitative and qualitative research articles as well as other scientific studies related to the fields of Economics, Finance, and Banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 141 Documents
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ANALISIS PENGARUH PEMBATASAN SOSIAL BERSKALA BESAR TERHADAP RESPON PASAR MODAL DILIHAT DARI HARGA SAHAM SEKTOR PROPERTI DAN REAL ESTATE YANG ADA DI BEI TAHUN 2020-2021 Laras Laksita Respati; Bahtiar Fitanto
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study aims to analyze the reaction of the capital market to before and after the implementation of the PSBB policy seen from the value of the abnormal return, stock return and trading volume activity variables. This research is a quantitative research, with property and real estate on the Stock Exchange as the population and takes 60 companies as samples with purposive sampling technique. The results of this study indicate that the three variables are significantly affected by the announcement of the implementation of the PSBB policy by showing a decrease in the value of the variable after the policy is implemente.
MACROECONOMIC STRESS TESTING PADA PROBABILITY OF DEFAULT PERBANKAN DI INDONESIA Novilia Ramadhani; Ghozali Maski
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The objective of this research is to identify and analyze the magnitude of probability of default in Indonesian banks in the period of 2007-2021 using macroeconomic stress testing based on the severely adverse scenario simulation coming from macroeconomic variable shocks. This quantitative deductive research use multiple linear regression. The independent variables are real GDP growth, inflation, interest rate, and world oil price, while the dependent variable is probability of default that is proxied by net NPL. The stress test used in this study includes sensitivity testing amd hypothetical scenario testing. Using Bank BRI, Bank Mandiri, and Bank BCA as the sample, this research produces different effects and magnitudes in the probability of default of BUKU IV banks, in which the said probability in the overall shows sensitive results in the event of macroeconomics variable shocks. In addition, the results of the study show that the real GDP variable and world oil prices have a negative and significant effect on the probability of default of Bank BRI, Bank Mandiri, and Bank BCA, then the exchange rate variable has a positive and significant effect on the probability of default of Bank BRI, Bank Mandiri. , and Bank BCA. While the inflation variable has a positive and insignificant effect on the probability of default of Bank BRI, Bank Mandiri, and Bank BCA. The last variable, namely interest rates, has a positive and insignificant effect on Bank BRI and Bank BCA, but has a significant effect on Bank Mandiri.
PENGARUH SUKU BUNGA KREDIT, INFLASI, DAN NILAI TUKAR TERHADAP JENIS PENYALURAN KREDIT Merry Eltania
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

One of the ways to handle the impact of the Covid-19 pandemic on the economic sector is by increasing credit distribution, which is considered capable of encouraging an increase in a country's economic activity. This quantitative study aims to identify the effect of credit interest rate, inflation, and exchange rate on the types of commercial banks’ credit distribution in Indonesia using multiple linear regression. This research uses secondary. Information about interest rate was obtained from Statistics Indonesia, while data about inflation, exchange rate, and the three types of credit distribution channel was acquired form Bank Indonesia. The types of credit are consumptive, investment, and working capital credit. This study finds that interest rate has a significant and negative effect on the three types of credit distribution channel and that inflation positively and significantly affects the three types of credit distribution channel. However, the effect of inflation on the credit channel is different from the theory and the researcher’s presumption, similar to the effect of exchange rate. Exchange rate positively and significantly affects investment credit, but it does not significantly influence consumptive and working capital credit.
PENGARUH PERTUMBUHAN PERUSAHAAN FINANCIAL TECHNOLOGY TERHADAP KINERJA PERBANKAN Riesti Mauline; Dias Satria
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The purpose of this study was to determine the effect of the growth of fintech companies on bank performance. The researcher expands the analysis by looking at the difference in influence between State-Owned Commercial Banks (BUMN) and Regional Development Banks (BPD) in this relationship and uses a sample of 17 banks that are included in the list of Conventional Banks in Indonesia in the 2011–2020 period. The researcher found a negative and significant relationship between the growth of FinTech firms and bank performance for both groups of banks. In addition, the researcher tested the hypothesis through several additional tests and robustness tests, such as the GMM. The findings of this study may be relevant for banks, policy makers and academic research.
PENGARUH KREDIT UMKM, TENAGA KERJA DAN ENERGI LISTRIK TERHADAP PDRB TAHUN 2016-2018 Tania Tungga Dewi
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Economic growth describes how the economic condition of the people. The process of economic growth is closely related to the process of producing goods and services. Indonesia as a country with 34 provinces certainly has different resources. This difference becomes a challenge to create a smooth flow in the production process to produce optimal economic growth. So this research is here to find out how the interaction between production factors that are used to produce output in goods and services. The research variables used are MSME credit, manpower, electrical energy, and gross regional domestic product. This study uses a quantitative approach. The analytical method used is unbalanced panel data with a time series for the 2016-2018 period and a cross-section of 34 provinces. The logarithmic regression method was used with the feasible generalized least square method. The regression analysis results show that partially MSME credit, manpower, and electrical energy have a positive and significant impact on gross regional domestic product. In addition, the independent variables (MSME credit, manpower, and electrical energy) in the model explain 0.999961 or 99% of the dependent variable (GRDP) while the rest is explained by other variables outside the model.
ANALISIS PENGARUH STABILITAS INSTITUSI KEUANGAN TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA Indah Dian Permata; Farah Wulandari Pangestuty
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The stability of financial institutions can be seen from the sound banking conditions and the functioning of the banking intermediation function in mobilizing public deposits so that they can be channeled in the form of credit and other financing to the business world. Financial institutions have an impact on the ecThe stability of financial institutions can be seen from the sound banking conditions and the functioning of the banking intermediation function in mobilizing public deposits so that they can be channeled in the form of credit and other financing to the business world. Financial institutions have an impact on the economy because banks can improve the national economy by increasing the efficiency of the use of funds and assisting the traffic of funds through payment services. This study aims to determine the influence of financial institutions on economic growth in Indonesia. The variables used in this study are NPL, LDR, CAR and JIBOR as indicators of financial institutions, while economic growth is reflected by GDP. The research model used is the Error Correction Model (ECM) with a significance level of 5%. The results show that in the short term NPL has a significant and different relationship with the movement of economic growth while the other variables have no significant or small relationship to the movement of Indonesia's economic growth, in the long term the JIBOR and CAR variables have no significant or significant relationship. small to the movement of the Indonesian economy then other macroeconomic variables in this study, namely NPL, LDR and DKG are known to have a significant and different relationship with the movement of economic growth.
ANALISIS RETURN SAHAM DAN TVA PADA SEKTOR KESEHATAN SEBELUM DAN SELAMA PANDEMIK COVID-19 Qurrota Aini Fissholah; Tyas Danarti Hascaryani
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The existence of the COVID-19 pandemic at the end of 2019 greatly affected various sectors, one of which affected the conditions on the capital market sector in Indonesia. This research aims to determine and analyze comparisonal in stock return and Trading volume activity (TVA) between before and during the covid-19 pandemic in Indonesia. The research was carried healthcare sector issuers listed on the Indonesia Stock Exchange (IDX). This research is a comparative quantitative. The members of the sample have been selected using purposive sampling and obtained 15 companies as samples. Data were analyzed using Wilcoxon Rank Test. The result shows that there is significant difference in stock return between before and during the covid-19 pandemic, this is supported by an increase in the profits of healthcare sector companies during the pandemic, meanwhile the TVA variable there is also a significant difference between before and during the covid-19 pandemic, this can be seen from the increase in transaction volume which shows investor interest in health-sector stock.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI GEN-Z DALAM PENGGUNAAN QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) SEBAGAI TEKNOLOGI PEMBAYARAN DIGITAL Meitry Adinda
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

In the midst of increasing growth in financial technology companies that act as Payment System Service Providers (PJSP) in Indonesia continue to innovate, the presence of the Quick Response Code Indonesian Standard (QRIS) acts as a solution to perfect innovation in the payment system offered by the fintech company. One of the user groups who are the main targets are Generation Z or Gen-Z because they have characteristics that are more active and literate with technological developments, and tend to be consumptive. So, this research aims to analyze the effects of Financial Literacy, Perceived Usefulness, Perceived Ease of Use, and Promotion and Advertising on Gen-Z's decision to use QRIS. This type of research is a quantitative research using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) data analysis. The data were obtained by distributing questionnaires to 250 respondents born in 1997-2004 who were students at the university in Malang Region. The results indicate that Financial Literacy, Perceived Usefulness, Perceived Ease of Use, and Promotion and Advertising significantly on Gen-Z's decision to use QRIS.
ANALISIS PENGARUH PROGRAM PELATIHAN DAN EDUKASI ONBOARDING KANTOR PERWAKILAN BANK INDONESIA KEDIRI TERHADAP PENDAPATAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) DI WILAYAH KEDIRI Andri Rahmawan; Puspitasari Wahyu Anggraeni
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Bank Indonesia as the Central Bank plays a role in the development of the Micro, Small and Medium Enterprises (MSME) sector, which is one form of Bank Indonesia's support for Micro, Small and Medium Enterprises (MSMEs) by providing technical assistance to MSMEs through training and education programs. Micro, Small and Medium Enterprises (MSMEs). This study aims to determine the influence of onboarding training and education programs at the Bank Indonesia Kediri Representative Office on the revenue of Micro, Small and Medium Enterprises (MSMEs) in the Kediri region. This research is a quantitative research, with the research subjects are 40 Micro, Small and Medium Enterprises (MSMEs) in the Kediri region who take part in the onboarding training and education program at the Kediri Bank Indonesia Representative Office. The data collection technique of this research used a questionnaire. The data analysis of this research used multiple linear regression analysis. The results of this study indicate that the onboarding training and education program for the Bank Indonesia Representative Office Kediri has a positive and significant influence on the revenue of Micro, Small and Medium Enterprises (MSMEs) in the Kediri region.
PENGARUH DIVERSIFIKASI PENDAPATAN, BOPO DAN CARTERHADAP PROFITABILITAS PERBANKAN SELAMA PANDEMI COVID-19 Reni Sofianingsih; Bahtiar Fitanto
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The Covid-19 pandemic has disrupted the pace of Indonesia's economic growth. The policy of lowering interest rates in the context of the national economic recovery as well as slowing credit disbursement resulted in a decline in the NIM of the banking system. Therefore, banks are trying to find new sources of income other than interest income sources, namely through diversification. In addition to income diversification, operational efficiency and management of capital aspects are also very important factors that can affect bank conditions during the Covid-19 pandemic. This study aims to analyze the effect of income diversification (DIVPEN), operational efficiency (BOPO) and capital adequacy ratio (CAR) on banking profitability proxied by ROA during the Covid-19 pandemic at KBMI bank 4. Data analysis method used in this study namely panel data regression analysis with the best model results, namely FEM (Fixed Effect Model). The results show that income diversification has a positive and significant effect on ROA, BOPO has a negative and significant effect on ROA and CAR has no effect on bank profitability proxied by RPA during the Covid-19 pandemic.

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