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All Journal Jurnal Keuangan dan Perbankan Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics International Journal of Local Economic Governance The International Journal of Accounting and Business Society Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ilmu Ekonomi dan Pembangunan Journal of Information Technology and Computer Science Journal of Innovation in Business and Economics J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Journal of Economics and Business Aseanomics Jurnal Pengabdian kepada Masyarakat Nusantara International Journal of Community Service International Journal of Accounting & Finance in Asia Pasific Journal of International Conference Proceedings Contemporary Studies in Economic, Finance and Banking (CSEFB)
Ghozali Maski
Fakultas Ekonomi Dan Bisnis Universitas Brawijaya
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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MACROECONOMIC STRESS TESTING PADA PROBABILITY OF DEFAULT PERBANKAN DI INDONESIA Ramadhani, Novilia; Maski, Ghozali
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2022.01.1.11

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 JUMLAH UANG BEREDAR, SUKU BUNGA DAN NILAI TUKAR TERHADAP TINGKAT INFLASI DI INDONESIA MENGGUNAKAN PENDEKATAN ANALISIS JALUR PERIODE 2010Q1 – 2020Q4 Herania, Elisabeth; Maski, Ghozali
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2022.01.2.05

Abstract

Monetary policy is one of the important components in an economic system whose conditions are always uncertain. One of the most important objectives of monetary policy is to maintain price stability for goods and services. Price volatility, which is manifested as inflation, can have a bad long-term impact on the national economy if it is not controlled properly. Therefore, it is important to control inflation to maintain a healthy economic climate. A low and stable inflation rate is important for long-term economic growth. Monetary policy instruments that can maintain price stability include the money supply, interest rates and exchange rates. Therefore, this study aims to analyze the effect of JUB, interest rates and exchange rates on the inflation rate through path analysis method. Path analysis method is used to see the direct and indirect effect of the money supply on inflation through interest rates and exchange rates as intervening variables. The results showed that the money supply and exchange rate directly did not have a significant effect on the inflation rate. Meanwhile, interest rates have a significant direct effect on inflation. Indirectly, only interest rates have a role in mediating the relationship between the money supply and the inflation rate. Keywords: monetary policy; inflation; money supply; interest rate; exchange rate; path analysis
PENG ARUH VARIABEL MONETER DAN HARGA MIN YAK DOMESTIK TERHADAP INFLASI DI INDONESIA PERIODE 2009 2019 Nur Shomita Hidayati; Maski, Ghozali
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 3 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2022.01.3.01

Abstract

Inflation is one of the references that can be used as a tool to measure or see the economic stability of a country. To maintain stability from inflation, it is necessary to implement monetary policy. This study intends to determine the effect of variables that can affect inflation in Indonesia in 2009-2019. The main variables used in this study are the money supply, interest rates, exchange rates and domestic oil prices due to the finding of gaps between factual data and theory in these variables. The method used is the Partial Adjustment Model (PAM). The results of this study indicate that the money supply, exchange rate, and domestic oil prices have no significant effect on inflation in Indonesia in 2009-2019. Meanwhile, interest rates have a positive and significant impact on inflation in Indonesia in 2009-2019.
ANALISIS MODEL PREDIKSI FINANCIAL DISTRESS PERUSAHAAN BANK KONVENSIONAL MELALUI KOMPONEN RGEC Edvandry, Mohammad Reynaldy Amareza; Maski, Ghozali
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.2023.02.3.09

Abstract

Banking companies are engaged in the financial sector which tend to pose a high risk in their operational activities than other companies in different sectors. If the risks arising from the operational activities of bank companies are not managed properly, then this can lead to bank failure problems that can threaten the country's monetary stability. In this paper, the authors aim to formulate a financial distress prediction model to identifying and predicting conventional bank companies that will experience financial distress problems. To achieve this goal, the authors use the discriminant analysis method by using 8 independent variables that represent each RGEC component such as NPL, Cash Ratio, Managerial Ownership, Institutional Ownership, Proportion of Independent Commissioners, ROA, NIM and CAR to the financial distress as the dependent variable with a nominal scale. Based on the test results, the authors found that there were 4 independent variables that were able to predict financial distress like NPL, Cash Ratio, ROA and NIM with an accuracy of 95.83%, where this value met the validation requirements in discriminant analysis and could be used to predict financial distress in other conventional bank companies.
ANALISIS PENGARUH KINERJA KEUANGAN TERHADAP HARGA SAHAM BPD BERDASARKAN KRITERIA BENJAMIN GRAHAM Widarto, Farah Ashila Oktavianda; Maski, Ghozali
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.2024.03.3.13

Abstract

This research aims to analyze the effect of Earning per Share (EPS), Price Earning Ratio (PER), Dividend Yield (DY), Price to Book Value (PBV), and Current Ratio (CR) on the stock prices of Regional Development Bank based on the criteria of Benjamin Graham. The type of research used is quantitative research. The population in this study is the Regional Development Bank conducted in the third quarter of 2013 to the second quarter of 2023. This study uses secondary data sources with sample selection using purposive sampling method. The data analysis method uses panel data regression analysis. The results of this study indicate that the variables Earning per Share (EPS), Price Earning Ratio (PER), Dividend Yield (DY), Price to Book Value (PBV), and Current Ratio (CR) simultaneously have a significant influence on the stock prices variable. While partially, Price Earning Ratio (PER) and Dividend Yield (DY) variables have a negative and significant influence on stock prices. Price to Book Value (PBV) and Current Ratio (CR) variables have a positive and significant influence on stock prices. Meanwhile, Earning per Share (EPS) variable has a positive and insignificant effect on stock prices.
Celebrity Endorsement’s Impact on Female College Student Behavior: Investigating Bandwagon Effect, Hedonic, and Utilitarian Value Harafah, Wa Ode Uswatun Miladina Putri; Maski, Ghozali; Prasetyia, Ferry
Jurnal Aplikasi Manajemen Vol. 22 No. 4 (2024)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2024.022.04.19

Abstract

The rapid advancement of technology has transformed consumer behavior, leading to an increase in impulsive buying, particularly among the younger generation. This study explores the role of celebrity endorsements in driving impulsive online purchasing among female university students, focusing on how the bandwagon effect, hedonic value, and utilitarian value influence the urge to buy cosmetics impulsively. This study employed explanatory research utilizing a quantitative approach, focusing on 190 female students who actively engage with social media and follow internet celebrities. Data were collected through an online questionnaire distributed via social media. Structural Equation Modelling (SEM) was applied for data analysis. The findings reveal that the bandwagon effect directly enhances the urge to buy impulsively and strengthens the influence of both hedonic and utilitarian values on impulsive purchasing behavior. Additionally, hedonic and utilitarian values positively affect the bandwagon effect and the urge to buy impulsively. The emotional connection with celebrities and the perceived credibility of endorsed products are key drivers of impulsive purchases. This research contributes a deeper understanding of the psychological and social factors influencing impulsive buying in the digital age.
Inflation Rate Prediction in Indonesia using Optimized Support Vector Regression Model Oktanisa, Irvi; Mahmudy, Wayan Firdaus; Maski, Ghozali
Journal of Information Technology and Computer Science Vol. 5 No. 1: April 2020
Publisher : Faculty of Computer Science (FILKOM) Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1184.108 KB) | DOI: 10.25126/jitecs.202051173

Abstract

Inflation is a indicator which illustrated the economics condition of a country. This moneter phenomenom is signed with the increase of price in entire case. It can cause an effect for political sector which impact to economic stability in a nation. The importance of inflation control is very important due to the high and unstable of inflation will cause negative impact  to economic and social in society.  One of the solutions to control the inflation rate is predicting the inflation rate. This research using SVR as machine learning that is being optimized by GA as evolutionary agorithm as predicting method. SVR can solve nonlinear regression problems to linear regression using Kernel function that easy to implement. But, in SVR there is no general rule to set the parameters of SVR. Therefore, this research proposed to use GA to optimize the parameters of SVR. GA can solve the optimization problems in various research of economics prediction problem. Based on the testing that has been conducted, GA-SVR generate the MSE value is 0.03767, lower than SVR basic method is 0.053158. It proves that GA-SVR method can be utilized for predicting.
An Analysis of the Influence of Financial Literacy and Financial Inclusion on the Decision to Use QRIS (Case Study on Brawijaya University Students) Pinem, Angie Aurea Gustika; Maski, Ghozali
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.12

Abstract

In this rapid technological development era, students need to adapt to technology. Quick Response Code Indonesian Standard (QRIS) is a form of innovation in the payment system that has been recognized as effective. Financial literacy is a good provision in using financial inclusion optimally so that people can experience optimal benefits from using financial products, which in this case is QRIS. This research aims to examine the effect of financial literacy and financial inclusion on decisions to use QRIS. The data in this research uses primary data and was obtained by distributing questionnaires to 100 respondents. This research used quantitative analysis methods and was processed using the Smartpls 4.0 tool. The testing in this research used the Structural Equation Modeling analysis method with Partial Least Square (SEM-PLS) with results showing that financial literacy and financial inclusion had a positive and significant effect on the decision to use QRIS.
The Implementation of Sustainable Finance: A Case Study in Bank Performance Alessandro, Andreas; Maski, Ghozali; Wulandari Pangestuty, Farah
International Journal of Accounting & Finance in Asia Pasific (IJAFAP) Vol 6, No 1 (2023): February 2023
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v6i1.2074

Abstract

The idea of sustainability was risen according to climate change since the beginning of industrialization in the 18th century. As consequence, the effect will be physical disasters that lead to disadvantages for businesses. The role of banking as an intermediary makes it an agent of trust. Thus, the proper business conduct of its practice is an obligation. Attempts for green finance can be seen by the SRI KEHATI index which has the 25 most favorable issuers that mostly apply ESG criteria. This study conducts an analysis of KBMI 4 banks and then analyze the relation of ESG score compared to the financial performance, i.e NPM, ROA, and ROE from the 2017 to 2021 periods. The result shows that there is a correlation between the performance indicated by the ESG score to the financial performance of each issuer. The results showed that ESG and NPM, ROA, and ROE do not have significant relation. It was because there was no direct correlation between the ESG and the independent variables. Both, ESG and independent variables are indicators of a company’s performance. Needs further study to connect those two to find how strong the scoring is affecting a company’s performance, especially in the profitability ratio.  
Bimbingan Teknis Fotografi untuk Meningkatkan Usaha UMKM di Desa Gunungrejo, Provinsi Jawa Timur Maski, Ghozali; Devia SS, Vietha
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1.1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Universitas Brawijaya memiliki tugas dalam melaksanakan Tri Dharma Perguruan Tinggi yang meliputi kegiatan pendidikan dan pengajaran, penelitian serta pengabdian kepada masyarakat. Kegiatan Pengabdian Kepada Masyarakat (PKM) yang dilakukan oleh kelompok 1 dengan titik lokasi di Desa Gunungrejo Kecamatan Singosari Kabupaten Malang Provinsi Jawa Timur. Desa Gunungrejo merupakan salah satu desa dari 17 desa yang ada di Kecamatan Singosari, Kabupaten Malang. Tujuan Kegiatan diantaranya (1) Memberikan pelatihan untuk pemanfaatan fotografi bagi UMKM masyarakat desa Gunungrejo; (2) Memberikan pengajaran dalam melakukan teknik fotografi yang baik dan tepat untuk produk UMKM; (3) Mengedukasi masyarakat mengenai pemanfaatan internet, sosial media, dan online shop untuk melakukan promosi produk UMKM; (4) Membantu warga desa dalam meningkatkan produk UMKM melalui teknik fotografi yang baik; (5) Serta mengedukasi masyarakat dalam pemanfaatan online shop sebagai media penjualan produk UMKM. Ketika pelaksanaannya, program pengabdian masyarakat ini terdiri dari beberapa tahapan, diantaranya (1) Tahap Survei; (2) Tahap Persiapan; (3) Tahap Pelatihan; (4) Tahap Pendampingan; (5) Serta tahap Pelaporan. Pelatihan ini diselenggarakan sebanyak dua tahapan dengan melakukan evaluasi awal melalui pre-test dalam bentuk kuesioner sebanyak 5 pertanyaan untuk mengukur pemahaman pelaku UMKM terhadap fotografi produk. Selanjutnya adalah sesi pemaparan materi yang dijelaskan oleh Ibu Vietha Devia SS, S.E., M.E., Ph.D. Melalui pelatihan ini, peserta mendapatkan pemahaman mengenai teknis fotografi produk mulai dari pemilihan angle yang tepat, pencahayaan, hingga pengeditan teknis dasar fotografi. Dalam hal ini, pelaku UMKM diberikan gambaran mengenai pentingnya fotografi untuk menciptakan gambar menarik. Pelatihan ini menekankan bahwa foto produk perlu dirancang dengan cermat untuk menciptakan kesan menarik bagi konsumen
Co-Authors Agustina Lastri Pangulu Alessandro, Andreas Amalia Rahmawati Amri, Muh Arif Arinda, Nila Asfi Manzilati Aulia Fuad Rahman Azriana, Fariza Hanum Bambang Subroto Beny Hendrawan Wahyuaji Berto Muharman Della Hardyati Prabowo Devanto Shasta Pratomo Devia SS, Vietha Dona Nove Lasmarohana Duyufur Rohman, Ghifary Dwi Budi Santoso Dyan Ari Iswanto Edvandry, Mohammad Reynaldy Amareza Eki Syafruddin Esha Najitama Farah Wulandari Pangestuty Ferry Prasetyia Galih Pratama Putra Halim Burhani Harafah, Wa Ode Uswatun Miladina Putri Herania, Elisabeth Irsyad Sirajuddin Bintar Madya Iswan Noor Karisma, Kautsari Anggun Karyadi, Hari Khusnul Ashar Kormitasari, Yenny Kresna Sakti, Rachmad Mochamad Fajar Hidayat Nur Shomita Hidayati Nurul Badriyah Oktanisa, Irvi Pinem, Angie Aurea Gustika Putri, Habibatuz Akbaricha Ramadhani, Novilia Regina Mayo Sofa, Rulia Sri Muljaningsih Umi Salamah Vietha Devia Wayan Firdaus Mahmudy Widarto, Farah Ashila Oktavianda Wijaya, Anorti Ika Wulandari Pangestuty, Farah Yogi Pasca Pratama, Yogi Pasca