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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 Jurnal Ekonomi dan Pembangunan Indonesia 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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Determinants of Generation X’s Interest in Using QRIS as a Digital Payment Method in Jakarta: English Azahra, Annisa; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The development of the national digital payment system through QRIS has boosted transaction efficiency in Indonesia. However, its adoption rate among Generation X remains relatively low compared to younger generations, requiring an understanding of the factors that influence its use. This study aims to analyze the influence of perceived ease of use, perceived usefulness, trust, social influence, and financial literacy on Generation X's interest in using QRIS as a digital payment tool in DKI Jakarta. The research sample consisted of 160 respondents using a quantitative approach and the PLS-SEM method. The results showed that perceived ease of use had a significant negative effect on interest in using QRIS, but had a significant positive effect on perceived usefulness and had an indirect impact on interest in using QRIS through the mediating variable. Meanwhile, perceived usefulness and financial literacy have a significant positive effect on interest in using QRIS, while trust and social influence have no significant impact. These findings indicate that Generation X is more influenced by perceived benefits, financial literacy levels, and perceptions of usefulness based on ease of use in adopting QRIS, rather than by trust or social pressure. This study contributes theoretically by expanding the application of TAM in the context of national payment systems, as well as practically for governments and digital financial service providers in strengthening literacy and education on the benefits of QRIS for Generation X.
Investment Preference of Generation Z Between Physical and Digital Gold Based on Factors of Trust, Risk Perception, and Social Influence Putri, Chindi Oktafiani; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

As digital natives, Generation Z has great potential in adopting digital-based investment instruments. However, the tendency to choose physical gold persists amid the growing popularity of digital gold investments, highlighting the need for an analysis of the factors influencing gold investment preferences among Generation Z. This study aims to analyze the effects of trust, risk perception, and social influence on Generation Z's probability of choosing digital gold investments over physical gold. The study uses a quantitative approach with a survey method through questionnaires targeting Generation Z individuals who have an interest or experience in gold investment. The sample was determined using purposive sampling, and the data were analyzed using binary logistic regression. The results of the study indicate that trust and social influence act as driving factors for digital gold investment preferences, while risk perception acts as an inhibiting factor. These findings confirm that Generation Z's gold investment preferences are influenced by psychological and social factors, and have implications for the development of digital gold investment services and educational strategies.
Analysis of the Determinants for Credit Distribution in Conventional and Digital Banks Listed in the Indonesian Stock Exchange Asyrafi, Muhammad Mirza; Farah Wulandari Pangestuty
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This research analyzes the factors that drive credit distribution in conventional and digital banking in Indonesia. Amidst the digital transformation era, this research specifically tests the credit policy determinants for both business models. Using separate panel data regres-sions on 26 banks during the 2020-2023 period, it was found that Third-Party Funds (DPK) is a main driver for both groups, confirming the basic intermediation function. However, a fundamental strategic difference was also identified: digital banks' credit distribution is significantly spurred by capital strength (CAR). Meanwhile, for conventional banks, the primary significant driver is the availability of customer funds (DPK), while the profitability incentive (NIM) was found to be insignificant. This finding implies that the strategy of digi-tal banks focuses on aggressive capital-based expansion, while conventional banks oper-ate more conservatively and traditionally.
Determination of Income Inequality: The Influence of Financial Inclusion, Economic Growth, And Human Capital Nabilla, Anisa Ayu; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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This study aims to analyze the factors affecting income inequality (Gini Index), highlighting the roles of Financial Inclusion, Economic Growth (proxied by GRDP per capita), and Human Capital (proxied by the Human Development Index and the Open Unemployment Rate). The analytical method employed is panel data regression using a Fixed Effect Model (FEM). Based on the analysis of quarterly panel data from 6 cities in DKI Jakarta Province for the 2020-2022 period, the research yields the following results. The Financial Inclusion Index and the Human Development Index have a negative and significant effect on income inequality. Conversely, GRDP per capita has a positive and significant effect. However, the Open Unemployment Rate was found to have no significant impact on income inequality. These findings suggest that improvements in financial inclusion, economic growth, and human capital do not automatically guarantee equity in the DKI Jakarta Province. This study contributes to the empirical literature and offers policy recommendations for tackling the issue of income inequality in the DKI Jakarta Province.
The Effects of Market Capitalization, Trade Volume, and Profitability Ratio on the Stock Returns of Companies Listed on the IDX30 Linggi, Elsy Taruk; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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This study evaluates how market capitalization, stock trading activity, and profitability levels contribute to the movement of stock returns of issuers included in the IDX30 index. This research was conducted because previous findings showed inconsistent results due to differences in periods and limitations in the sectors studied. The independent variables used include market capitalization, trading volume, profitability ratio (ROE), and dummy variables for the Covid-19 and post-Covid-19 periods. This study uses a quantitative approach by processing panel data, which is a combination of time series and cross-section data. Based on the selection of the best model, data analysis was performed using the Common Effect Model (CEM). The results of this study explain that trading volume has a positive and significant effect on stock returns, while market capitalization and profitability ratio do not have a significant effect. In addition, the Covid-19 and post-Covid-19 period variables also have a significant effect on stock returns, indicating that changes in macroeconomic conditions also determine the movement of large companies' stock returns. These findings imply that investors need to pay attention to trading activities trading and macroeconomic conditions in investment decision-making on IDX30 stocks.
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 Asyrafi, Muhammad Mirza Aulia Ratuningtyas Aulia, Dynda Fadhlillah Ayu, Tiara Ardia Sekar Azahra, Annisa 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 Fauzul Azim Muhajir Ferry Prasetya Ferry Prasetyia Fina Nidaul Mahalli Fuadi, Hamdan Gema, Alfatira Ghozali Maski Hani Puspitasari Hartsa Kusuma Nagara Hidayat, Andhy Ide Wahyu Safitri Kadji, Dzuliyati Katon Prasetyo Wibowo Laila Hikmatul Khoiroh Lathifaniya, Palestin Tara Linggi, Elsy Taruk Moh. Khusaini Nabilla, Anisa Ayu Nur Asrofi, Dien Amalina Nurul Khoiriyah Permata, Indah Dian Prayodana, Hangga Putri, Chindi Oktafiani Reynara, Ignatius Ri Setia Hutama Rihan, Raffi Syawallul 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 Tyas Danarti Hascaryani Wahyudianti, Muthia Alvi Aulia Wijaya, Anorti Ika Wijaya, Asyadia Haq Zahra Winata, Supriyadi Ramdan Zuhaifah Zuhaifah