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All Journal International Journal of Public Health Science (IJPHS) Jurnal Ekonomi Pembangunan Signifikan : Jurnal Ilmu Ekonomi Wacana, Jurnal Sosial dan Humaniora Jurnal Ilmu Ekonomi dan Pembangunan Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Faishal Fadli, Faishal
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence of Car and Size on Intermediation Through Digital Transformation Efficiency in State-Owned Banks and Regional Development Banks for the 2010-2024 Period Nur Fitri, Alvira; Fadli, Faishal
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study analyzes the effect of Capital Adequacy Ratio (CAR), bank size (SIZE), and digital transformation efficiency on banking intermediation, as well as the role of digital efficiency as a mediator in state-owned banks and regional development banks in Indonesia. Annual financial report data from 2010 to 2024 were analyzed using panel data regression (CEM) and Sobel's test. Intermediation is measured by LDR, while digital efficiency is measured by the ratio of IT costs to total operating costs. The results show that in regional banks, CAR and SIZE have a significant positive effect on intermediation, and digital efficiency mediates this relationship (z = 2.07; p = 0.038; z = 2.42; p = 0.015). Meanwhile, in state-owned banks, digital efficiency only has a direct effect on intermediation without a mediating effect, and NPL is not a distinguishing factor in the intermediation mechanism. These findings emphasize the importance of efficient digital capabilities to drive intermediation, especially in regional development banks.
Impact of Non-Cash Transactions on Household Consumption: Inflation Mediation Zikri, Adios Amigo; Fadli, Faishal
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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This research examines the influence of non-cash payment instruments on household consumption patterns in Indonesia, while accounting for inflation as an intervening factor. The study employs monthly time-series data covering the period from 2015 to 2024. The analytical framework combines the Autoregressive Distributed Lag–Error Correction Model (ARDL–ECM) to capture both short-run dynamics and long-run relationships, alongside Structural Equation Modeling (SEM) to evaluate the mediating effect. The long-run estimation indicates that transactions conducted through e-money and ATM/debit instruments have a positive and statistically significant impact on household consumption. In contrast, credit card transactions and interest rates do not exhibit significant effects. Inflation is found to significantly influence consumption in the long run and exerts a positive effect in the short run. The ECM results further confirm the presence of a stable adjustment process that restores the system toward long-run equilibrium. Nevertheless, the mediation analysis reveals that inflation does not function as an effective intermediary in the relationship between non-cash payment instruments and household consumption. Overall, the findings suggest that non-cash payment systems affect household consumption predominantly through direct channels rather than indirectly via inflation.
The Influence of Environmental, Social, and Governance on the Financial Performance of Banking Companies Listed on the Indonesia Stock Exchange in the 2019-2024 Period Theresa Echa Rianti; Fadli, Faishal
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study aims to examine the effect of Environmental, Social, and Governance (ESG) scores on the financial performance of banking companies measured by Return on Assets (ROA). The sample consists of banks listed on the Indonesia Stock Exchange during the 2019–2024 period. The study employs a quantitative approach using secondary data obtained from Bloomberg Terminal and annual reports. The analysis technique applied is dynamic panel regression using the System Generalized Method of Moments (System GMM), with bank size and BOPO as control variables. The results indicate that the Environmental variable has a positive and significant effect on ROA in the short term. The Governance variable has a negative and significant effect, suggesting the presence of compliance costs that may reduce short-term profitability. Meanwhile, the Social variable does not show a significant effect on ROA. Simultaneously, ESG variables influence financial performance, although the effects differ across variables. These findings imply that ESG implementation in the banking sector requires a balanced and efficient strategy to enhance sustainable performance.
Adakah Pengaruh Pertumbuhan Ekonomi terhadap Pendapatan Asli Daerah? Fadli, Faishal
Jurnal Ilmu Ekonomi dan Pembangunan Vol 16, No 2 (2016): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (113.901 KB) | DOI: 10.20961/jiep.v16i2.2312

Abstract

The implementation of regional autonomy resulted in each region to be able to manage their finances independently. This is one way the central government to remove the dependency of local governments to the central government. Thus requiring local governments to explore the sources of local revenue in order to finance regional development. In an effort to increase local revenues derived from the PAD is determined by economic factors or economic potential which has the prospect to be developed for each area. While the economic progress of a region heavily dependent on the development efforts undertaken by the government in providing public facilities to support economic activity. so it needs to be studied further economic growth in East Java, which increased from year to year, is also accompanied by an increase in revenue (PAD) as one source of income in financing regional development. The result indicates the role of the revenue (PAD) in the Regional Budget (APBD) of East Java Province indicates that there is still very small, with an average of 15.47% of the total revenue budget. This means that the level of dependence of local governments on the central government is still high. Although the results of regional revenue projections indicate that component has been great in their contribution of the reception area, which amounted to 69.52%. Using the ordinary least squre method, the result of regression correlation are insignificant. This means that the regional gross domestic product does not have an effect on revenue of East Java Province. If an increase or decrease in regional gross domestic product will not increase or decrease revenue amount. This means that there is no significant relationship between economic growths towards the reception of the revenue. Keywords: economic growth, revenues (PAD), Regional Budget (APBD), Gross Domestic Product (GDP).
Co-Authors Ahmad Syaifullah Annisa, Raihan Cahya Bhaktiyana, Arif Kiyat Candra Fajri Ananda Fitrayansyah, Rudi Herdiwiguna, Randi Imam Fathoni Kristhiofan, Karen Laleno, Farazdaq Maharani, Syifa Nadhira Moh. Khusaini Nafisah, Silmy Maulan Nur Fitri, Alvira Oktaviana, Yulis Purnamasari, Natasya Yunior Putra, Aditia Dwi Roro Rahajeng Kusumaningtyas Sagita S, Vietha Devia Serdiliyani, Rochmanida Hana Sumantri, Vietha Devia Sagita Taufik Hidayat Theresa Echa Rianti Zikri, Adios Amigo