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All Journal Jurnal Keuangan dan Perbankan Jurnal Ekonomi Syariah Teori dan Terapan Ecces: Economics, Social, and Development Studies Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Inovasi Pengabdian dan Pemberdayaan Masyarakat Journal of Finance, Economics, and Business Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB)
Citra Rahayu Indraswari, Citra Rahayu
Airlangga University
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Public Health Social Sciences

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The Influence of P2P, TPF and Size on the Profitability of Rural Banks Rizki Amelia Cahyaningrum; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Rural Banks play a vital role in supporting the Indonesian economy by providing credit to MSMEs and rural communities. However, the emergence of financial technology, particularly peer-to-peer (P2P) lending, presents challenges to the profitability and competitiveness of BPRs. This study aims to analyze the impact of P2P lending loan volume, Third Party Funds (DPK), and bank size on the profitability of Rural Banks, as measured by net income, during the 2022–2024 period. Using an associative quantitative approach and purposive sampling, the sample includes the largest-asset ural Bank in each of Indonesia’s 34 provinces. The study employs panel data, combining time series and cross-sectional data. The results show that DPK and bank size have a positive effect on profitability, while P2P lending has no significant impact.
The Effects of Short Selling Bans on the Stock Price Volatility of LQ45 Banking Companies in Indonesia Mustapha Bayu Firdaush; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.17

Abstract

The COVID-19 pandemic has significantly impacted the stability of Indonesia's financial markets. The ensuing economic recession has led to high volatility in the stock market, particularly for banking stocks included in the LQ45 index. One of the policy implemented by regulator to mitigate market volatility was a wide ban on short selling. This study aims to analyze the impact of the short selling ban imposed by the Indonesian Stock Exchange in March 2020 on the volatility of LQ45-indexed banking stocks in Indonesia during the COVID-19 pandemic. Secondary data will be used, and the analysis will employ a panel data regression method. The results of this study indicate that the short selling bans had a statistically significant positive effect on the volatility of LQ45-indexed banking stocks in Indonesia.
Optimizing ZISWAF as a Social Safety Nets: A Lesson from COVID-19 Pandemic Paksi, Girindra Mega; Indraswari, Citra Rahayu; Kadji, Dzuliyati; Aulia, Dynda Fadhlillah
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.118

Abstract

Introduction: Safety nets are needed in the economic and non-economic sectors to overcome the adverse effects of the disaster. The past COVID-19 pandemic has shown the importance of a safety net to prevent extreme poverty due to disasters. In this case, ZISWAF assets should be used as a safety net to prevent a decline in people's welfare due to various disasters that will occur in the future. Therefore, this study aims to explore the potential of ZISWAF assets as a safety net in the future Methods: This study uses the Literature Review method, comparing various result from researches to form a comprehensive review Results: The study results show that ZISWAF assets in the past have been used to improve people's welfare. However, there seems to be a paradigm shift today where ZISWAF, particularly in Indonesia, is only used to fulfill worship purposes, not to encourage people's welfare. Several potential method is available to be used as choices to optimize ZISWAF Conclusion and suggestion: It is hoped that innovations will be made to utilize ZISWAF assets to be used as a social safety net in the future to optimize ZISWAF
Pelatihan Akses Finansial Teknologi: Akselerasi Permodalan Digital Umkm di Desa Kebobang, Kec. Wonosari, Kab. Malang Syafitri, Wildan; Indraswari, Citra Rahayu
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1.1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE
Publisher : Lembaga Dongan Dosen

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Abstract

Pelatihan fintech ini diselenggarakan di Desa Kebobang, Kecamatan Wonosari, Kabupaten Malang, dengan tujuan untuk mengakselerasi permodalan digital bagi pelaku usaha mikro, kecil, dan menengah (UMKM). Kegiatan ini bertujuan untuk meningkatkan literasi digital masyarakat desa, mendukung peningkatan ekonomi lokal, dan pengembangan UMKM di era globalisasi. Para mahasiswa dan dosen fakultas ekonomi bisnis universitas Brawijaya dalam kegiatan ini memberikan wawasan langsung mengenai manfaat dan tantangan yang dihadapi selama pelatihan serta pengalaman praktis yang relevan. Pelatihan ini mencakup berbagai topik penting, mulai dari pemahaman dasar teknologi finansial, akses dan penggunaan platform fintech untuk permodalan, hingga strategi pemasaran digital yang efektif. Para peserta belajar bagaimana menggunakan aplikasi dan perangkat digital untuk memudahkan transaksi, mengelola keuangan, dan memperluas jaringan usaha. Diharapkan hasil dari pelatihan ini dapat meningkatkan kapasitas usaha para pemangku kepentingan UMKM, memperluas akses pasar, dan meningkatkan kesejahteraan ekonomi seluruh masyarakat Desa Kebobang. Pelatihan ini diharapkan menjadi langkah strategis dalam mendukung pertumbuhan ekonomi desa melalui digitalisasi UMKM, dengan harapan desa dapat menjadi contoh sukses dalam penerapan teknologi keuangan untuk memberdayakan warga desa dalam menjalankan ekonomi kerakyatan.
Co-Authors AA Sudharmawan, AA Aghata Christy Cahya Widhi Andini Anggraeni, Puspitasari Wahyu Aulia, Dynda Fadhlillah Aurellia, Patricia Juan Dewi Regita Cahyanti Dias Satria Jayawarsa, A.A. Ketut Kadji, Dzuliyati Muhammad Nafik HR, Muhammad Mustapha Bayu Firdaush Paksi, Girindra Mega Pramadya, Dika Afrian Putra Purwanto, Muhammad Rizqy Putra Abrianto, Andika Bimantara Putri, Anastasya Azzahra Maharani Rizki Amelia Cahyaningrum Sukriyah, Sukriyah Wildan Syafitri Wu, Cherrin Nathania