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All Journal Jurnal Sosial Ekonomi Pertanian Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik INTEGRITAS : Jurnal Pengabdian Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis Jurnal Abdi Insani Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Ekonomi Indonesia Jurnal Pengabdian Masyarakat Indonesia Asia Pacific Journal of Management and Education Journal of International Conference Proceedings Pena Dimas: Jurnal Pengabdian Masyarakat Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Farah Wulandari Pangestuty
Department Of Economics, Faculty Of Economics And Businesss, Brawijaya University
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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DAMPAK INKLUSI KEUANGAN TERHADAP RISIKO KREDIT PADA PERBANKAN DIGITAL DI INDONESIA PERIODE TAHUN 2015-2021 Badrani, Donny Syah; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.2.14

Abstract

One of the most significant risks for banks, including digital banks, is credit risk. Bank credit risk can be influenced by a number of things, one of which is increasing financial inclusion. Then there is the prime lending rate which is used as a variable control in this study. The purpose of this study is to identify and analyze the impact of financial inclusion on credit risk in Indonesian digital banks. This study employs panel data from four Indonesian digital banks from 2015 to 2021. Panel data regression is the regression model that was used, and the hypothesis was tested with the t test, the F test, and the coefficient of determination. Financial inclusion has a positive and insignificant effect on digital bank credit risk in Indonesia on the accessibility dimension, a negative and significant effect on the usage dimension, and for prime lending rates it has a positive and insignificant effect on digital bank credit risk in Indonesia. This indicates that digital banks in Indonesia can reduce their credit risk by utilizing financial services. So that increasing financial inclusion through the use of financial services must be further improved while still paying attention to the prudence principle.
PENGARUH PERKEMBANGAN DAN KINERJA BANK DIGITAL TERHADAP KEPUTUSAN BERINVESTASI PADA SAHAM BANK DIGITAL Ayu, Tiara Ardia Sekar; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.05

Abstract

The objective of this research is to identify the partial effects of digital banks’ growth and performance, which are proxied by Return on Assets (ROA), market capitalization, firm age, and firm issue, on the decision to invest in digital banks’ stock. This study uses the quantitative approach to identify the effects of the independent variables, i.e., Return on Asset (X1), market capitalization (X2), firm age (X3), and firm issue (X4), on the dependent variable, i.e., the decision to investin digital banks’ stock (Y). the research samples are five digital bank companies listed in the Indonesia Stock Exchange during the 2017-2021 period. the hypothesis testing was conducted using multiple linear regression analysis on the panel data. This research finds that Return on Assets (ROA), market capitalization, and firm issue do not influence the decision to invest in digital banks’ stock and that firm age positively and significantly affects the said decision. This study suggests the digital banks to enhance the effectiveness and efficiency of their managerial processes in order to increase the returns from investments made in them, which in the end can increase their performance.
PENGARUH FITUR ROBO ADVISOR DAN MINIMAL TOP UP TERHADAP MINAT INVESTASI REKSADANA (STUDI KASUS PADA APLIKASI BIBIT DAN BAREKSA) Ariyanti, Septi Dwi; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.4.7

Abstract

The capital market is a sector that has an important role in economic development because the capital market performs a dual function, namely as a medium for companies to obtain capital as well as a medium for the public to invest. It can be seen that the number of investors has increased every year. However, this increase is in contrast to the low level of financial literacy and inclusion in the capital market. This study aims to determine the effect of the robo advisor feature and minimum top up on mutual funds investing intention by the people of East Java in the Bibit and Bareksa applications. With a population of 100 users of the Bibit and Bareksa applications in East Java, a total sample of 80 people and using the logistic regression method, the results show that the robo advisor feature and minimum top up have a significant effect on mutual funds investing intention so it can be concluded that these two variables can increase opportunities and contribute to investing intention. Keywords: Bibit and Bareksa Applications; Minimum Top Up; Mutual Funds Investing Intention; Robo Advisor Feature.
PENGARUH FAKTOR INTERNAL DAN EKSTERNAL PERUSAHAAN TERHADAP HARGA SAHAM PADA BANK HIMBARA Prayodana, Hangga; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.03.1.09

Abstract

The capital market is a place for investors to channel funds in the form of shares with the aim of investing. There are various internal and external factors that can influence Himbara Bank's stock price. The aim of this research is to determine the influence of GCG, firm size and inflation on firm performance and stock prices. This research uses quantitative analysis. In this research, the data analysis technique used is panel data path analysis. The data used is secondary data, using a time series from 2013-2022. The research results found that GCG partially influences firm performance. Firm size influences firm performance. Inflation affects firm performance. Firm size influences stock prices. Inflation has no effect on stock prices. Firm performance influences stock prices. Firm performance mediates firm size on stock prices. Firm performance does not mediate inflation on stock prices.
THE MAIN FACTORS THAT ESTABLISH THE WELFARE OF CORPORATE SOCIAL RESPONSIBILITY’S BENEFICIARIES OF PERTAMINA FOUNDATION Gema, Alfatira; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.03.2.01

Abstract

Social welfare has grown to be a crucial component of national development policies. At the same time, important to aware that less prosperous communities, including the homeless, street children, child labourers, and migrant workers, are the primary recipients of social assistance. Social welfare is a condition of human life created when various social problems can be managed properly. This understanding places social welfare as the goal of development activities. Corporate social responsibility is one of the programs considered as one that can contribute to the welfare of society. This research aims to analyse, confirm, and then conduct research to gather facts and conclusions regarding the main factors that establish the welfare of corporate social responsibility beneficiaries of the Pertamina Foundation. This quantitative research using surveys through google form to Pertamina Foundation's beneficiaries using a Likert scale. This research also uses SEM methods with LISREL as a tool. The result shows that CSR- Economic Aspect (X1), CSR-Social Aspect (X2) and CSR-Environmental Aspect (X3) positively and significantly influences the welfare of Pertamina Foundation’s beneficiaries.
PENGARUH CASHLESS PAYMENT TERHADAP PERTUMBUHAN EKONOMI: STUDI KOMPARASI NEGARA MAJU DAN BERKEMBANG ANGGOTA G20 Sitanggang, Maria Septiani; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.3.06

Abstract

The purpose of this study is to analyze the impact of cashless payments on economic growth in G20 countries. Additionally, a comparison of the impact of cashless payments in developed and developing countries is also analyzed. In this study, economic growth is used as the dependent variable, and transaction amounts of debit cards, credit cards, and electronic money are used as the independent variables. Data were collected from various databases for the period 2013-2021 covering a total of 19 countries divided into 10 developed countries and 9 developing countries that are members of the G20. The test results using the Generalized Method of Moments (GMM) dynamic panel found that all three variables have a significant effect in both developed and developing G20 member countries. Furthermore, the study found that the biggest influence of non-cash payments in developed countries is transactions using debit cards while in developing countries it is transactions using credit cards and electronic money. From these results, it was concluded that cashless payments have an impact on economic growth. It is hoped that these findings will provide new insights into cashless payments and their impact on economic growth.
ANALISIS FAKTOR YANG MEMPENGARUHI STABILITAS PERBANKAN SYARIAH DAN KONVENSIONAL DI INDONESIA PERIODE 2008-2022 Rizma Novita Sari; Farah Wulandari Pangestuty
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.15

Abstract

This study aims to analyze the effects of Liquidity Risk, Credit Risk, Control of Corruption, Inflation, and Economic Growth on the stability of Islamic and Conventional banks in Indonesia. The population in this study consists of Islamic and Conventional banks registered with the OJK during the period 2008-2022. The sampling technique employed is purposive sampling, resulting in a total sample of 11 banking companies. The data used in this study are secondary data obtained from the financial statements of each bank. Bank stability is measured using the Z-score proxy. The study utilizes panel data regression with a Fixed Effect Model.The research findings indicate that Liquidity Risk, measured by the F/LDR ratio, has a negative impact on Shariah banks, while it does not affect conventional banks. Control of Corruption has a positive impact on the stability of both Shariah and conventional banks. Economic growth does not have a significant impact on either type of bank, whether Shariah or conventional. Inflation does not influence the stability of either Shariah or conventional banks.
ANALISIS PENGARUH PEMBIAYAAN KREDIT PERBANKAN, LAMA USAHA, DAN MEDIA PEMASARAN DIGITAL TERHADAP KEBERLANGSUNGAN USAHA MIKRO (STUDI KASUS USAHA MAKANAN DAN MINUMAN DI KOTA MALANG) Evita Safitri; Farah Wulandari Pangestuty
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.4.07

Abstract

This research aims to analyze the influence of banking loan financing , business age, and digital marketing media on micro-sized enterprises income in Malang City. This research uses quantitative research methods with linear regression analysis. The data used in this research uses primary data in the form of a questionnaire distributed to 99 respondents who are micro-sized enterprises in Malang City. This research found that the results of banking loan financing had a significant positive effect on the income of Food and Beverage enterprises  in Malang City, Business age had no significant effect on the income of food and Beverage enterprises in Malang City, and Digital marketing had a significant positive effect on the income of Food and Beverage enterprises in Malang City.
Determinan Wirausaha Perempuan Pengguna Transaksi Digital Selama Pandemi Covid-19 Di Indonesia Asrofi, Dien Amalina Nur; Pratomo, Devanto Shasta; Pangestuty, Farah Wulandari
Jurnal Ikatan Sarjana Ekonomi Indonesia Vol 11 No 2 (2022): August
Publisher : Jurnal Ekonomi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52813/jei.v11i2.235

Abstract

This study aims to examine the factors that influence women entrepreneurs to use digital transactions for their business ventures during the COVID-19 pandemic in Indonesia. The data used in this study is individual data sourced from the 2020 National Labor Force Survey (Sakernas). Sakernas is a labor force survey conducted by the Central Statistics Agency (BPS) on individual socio-demographic information, education, and employment. Binary logistic regression model was used to answer the research objectives. The results showed that the variables of age, college education, high school / vocational education, living in urban areas, having experience, and training and business fields in the trade sector had a positive effect on the tendency of women entrepreneurs to use digital transactions. Meanwhile, age, marital status and number of household members have a negative effect on the opportunities for women entrepreneurs to use digital transactions. By using digital transactions, it is hoped that it will further facilitate and expand the access of women entrepreneurs in maintaining their businesses, especially during the Covid-19 pandemic in Indonesia.
Teknik Prediksi Pembangunan Ekonomi Berbasis Ekonomi Hijau Pada Perencanaan Daerah Santoso, Dwi Budi; Pangestuty, Farah Wulandari; Saraswati, Erwin; Fuadi, Hamdan
Jurnal Pengabdian Masyarakat Indonesia Vol 5 No 1 (2025): JPMI - February 2025
Publisher : CV Infinite Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jpmi.3264

Abstract

Teknik prediksi pembangunan ekonomi berbasis ekonomi hijau pada perencanaan daerah  di latar belakangi oleh keterbatasan kemampuan  SDM Bappeda Kabupaten Malang melakukan analisis teknik prediksi secara optimal, seperti pengelompokan indikator pilar pembangunan ekonomi hijau, menetapkan target pilar utama kesejahteraan sosial. Hambatan ini menunjukkan perlunya dukungan tambahan, baik dari pemerintah untuk memastikan keberlanjutan dan efektivitas program pengabdian ini. Kegiatan pengabdian kepada masyarakat dalam rangka pelatihan teknik prediksi pembangunan ekonomi berbasis ekonomi hijau telah sukses dilaksanakan pada Rabu, 10 Oktober 2024. Kegiatan ini berlangsung di Aula Gedung Dekanat Lama Fakultas Ekonomi dan Bisnis Universitas Brawijaya dan diikuti oleh 30 anggota BAPPEDA Kota Malang. Pelatihan tersebut mencakup pendalaman konsep ekonomi hijau serta praktik teknis dalam memprediksi indikator pembangunan yang berbasis pada pilar ekonomi, sosial, dan lingkungan. Partisipasi aktif dari para anggota BAPPEDA menunjukkan antusiasme tinggi dalam memahami dan mengimplementasikan konsep ini dalam dokumen perencanaan daerah. Dengan suasana yang mendukung dan fasilitas yang memadai, kegiatan ini berhasil memberikan pemahaman yang mendalam serta meningkatkan kompetensi peserta, yang diharapkan dapat mendukung upaya penyusunan perencanaan pembangunan daerah yang berkelanjutan.
Co-Authors Abdul Manap Pulungan Agus Dian Ristanto Alessandro, Andreas Amri, Muh Arif Andhika P. Herlambang Andhika Paratama Herlambang ARFIYANSYAH, SINTONG Ariyanti, Septi Dwi Asrofi, Dien Amalina Nur Aulia Ratuningtyas Aulia, Dynda Fadhlillah Ayu, Tiara Ardia Sekar Badrani, Donny Syah Budi Santoso, Dwi Candra Fajri Ananda Daffa At Thariq Devanto Shasta Pratomo Dias Satria Dwi Budi Santoso Dwi Budi Santoso Ermita Yusida Erwin Saraswati Evita Safitri Fatimah Hidayati Fauza Dwi Annisa Ferry Prasetya Ferry Prasetyia Fina Nidaul Mahalli Fuadi, Hamdan Gema, Alfatira Ghozali Maski Hani Puspitasari Hartsa Kusuma Nagara Hidayat, Andhy Kadji, Dzuliyati Katon Prasetyo Wibowo Laila Hikmatul Khoiroh Lathifaniya, Palestin Tara Moh. Khusaini Nur Asrofi, Dien Amalina Nurul Khoiriyah Permata, Indah Dian Prayodana, Hangga Reynara, Ignatius Ri Setia Hutama Riza Waljianah Rizma Novita Sari Ronauli, Amelia Akiko Ronny Ersya Novianto Putra Sari, Silvia Ayu Elvira Simanjuntak, Lusiana Br Sitanggang, Maria Septiani Sukarianto, Nanda Arifah Tegar Setifandy Wahyudianti, Muthia Alvi Aulia Wijaya, Anorti Ika Wijaya, Asyadia Haq Zahra Winata, Supriyadi Ramdan Zuhaifah Zuhaifah