Yenny Kornitasari
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PENGARUH MAKRO EKONOMI TERHADAP RETURN SAHAM PERBANKAN Muhammad Alfin Syaichul Farich; Yenny Kornitasari
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.2023.03.1.13

Abstract

This study aims to see the effect of economic variables and world oil prices on banking stock returns. The method used in this study is a panel data regression analysis technique using quarterly data and the period from 2020 to 2022. The results of the research show that inflation and interest rates have a significant positive effect on banking stock returns, an increase in inflation causes people to reduce consumption and prefer to invest their money in the capital market, an increase in interest rates can result in an increase in income which has an impact on banking profits and performance, this is interesting investors' interest in investing in banking shares. Meanwhile, the exchange rate has a significant negative effect on banking stock returns, an increase or depreciation of the Rupiah exchange rate causes an increase in production costs and company expenses which can reduce company performance. so that investors become less interested in investing in the stock market. Meanwhile, world oil prices have no effect on banking stock returns
ANALISIS PENGARUH NET OPERATING MARGIN, NON-PERFORMING FINANCING, CAPITAL ADEQUACY RATIO DAN KUALITAS AKTIVA PRODUKTIF TERHADAP PROFITABILITAS BANK UMUM SYARIAH Rahma Agis Fabiolla; Yenny Kornitasari
Islamic Economics and finance in Focus 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/ieff. 2024.03.03.01

Abstract

The role of banks in generating profits has a high impact on the growth and development of sharia inclusion. The low profitability of Islamic banks compared to conventional banks indicates that the bank’s performance is poor. This study aims to analyze the influence of Net Operating Margin (NOM), Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), and Productive Asset Quality affect on the profitability of Islamic banks in Indonesia (ROA). Using secondary time series data from OJK financial reports for January 2018 to April 2023, researchers used multiple linear regression analysis with SPSS24 software. Results indicate that NOM and NPF have a partially positive impact on ROA, while CAR and KAP shows no significant partial effect.   Kata kunci: Profitabilitas; Bank umum syariah; ROA; NOM; NPF; CAR; KAP
PENGARUH KOMPETISI BANK TERHADAP STABILITAS SISTEM KEUANGAN PERBANKAN (STUDI KASUS PADA KBMI IV TAHUN 2019-2022) Febryianti, Elvira; Yenny Kornitasari
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.2024.03.3.20

Abstract

The emergence of banking as an intermediary institution plays a very important role in the economy because it is the heart that must pump "money" and distribute it to all organs that need the money. Therefore, it is very important to maintain the stability of the banking financial system. The development of the banking system can trigger competition in the banking industry which can affect banking stability. This research was conducted to determine the effect of bank competition on the stability of the banking financial system. This research focuses on KBMI 4 data which is a large bank HHI index, market share and Loan to Deposit Ratio (LDR) used as a proxy for competition and Non-Performing Loans (NPL) as a proxy for banking financial stability. The analysis technique used is Panel Data Regression with KBMI 4th ​​quarter data for 2019-2022. Of these three variables, the HHI index and Loan to Deposit Ratio (LDR) variables have a significant effect on Non-Performing Loans (NPL). Meanwhile, the market share variable has no significant effect on Non-Performing Loans (NPL).
ANALISIS FAKTOR - FAKTOR INOVASI KEUANGAN TERHADAP PENGUATAN FUNGSI INTERMEDIASI BRANCHLESS BANKING DI INDONESIA (STUDI KASUS BANK BUKU-4) Lestari, Tantiana Anggi; Yenny Kornitasari
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.2024.03.4.11

Abstract

Financial innovation was created to make it easier for banks to carry out their intermediation functions. There are many forms of financial innovation that exist today, but in this research the author focuses more on his analysis of strengthening the banking intermediation function through the Branchless Banking system with a sample of BUKU 4 banks (Business Group 4 Commercial Banks). In this research the author used primary data obtained through the results of distributing questionnaires online. From this research it can be concluded that the existence of Branchless Banking really helps banking institutions in carrying out their function as public financial distribution institutions and the existence of this system still does not shift the main role of banking institutions in carrying out their function as financial mediators in society.
The Effects of Environmental, Social, and Governance (ESG) on Market Structure: A Study of Commercial Banks in Indonesia Hilda, Wimvi; Yenny Kornitasari
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.2025.04.2.13

Abstract

Banks play an important role in the economy and demonstrate their commitment to sustainable economic development through Corporate Social Responsibility (CSR) by highlighting social, economic and environmental aspects. The purpose of this study is to analyze the influence of environmental, social, and governance aspects as dependent variables on market structure as measured by the Lerner Index as an independent variable. Four commercial banks in Indonesia were selected as samples and panel data regression methods were used in the analysis. The results show that environmental aspects have a positive and significant influence on the market structure of monopolistic competition. In contrast, the social aspect does not show significant influence, and the governance aspect is influential but with a negative direction towards the monopolistic market structure. Therefore, these results suggest that banks consider these aspects in their operations and policies to create a healthier and more competitive market.
The Influence of Islamic Business Ethics Implementation on Traditional Traders in Pamekasan, Madura Akbar, Farid; Yenny Kornitasari
Islamic Economics and finance in Focus 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/ieff.2025.04.2.10

Abstract

The market has a role as a place to mingle and carry out buying and selling transactions for various products for all levels of society. The increasingly rapid economy currently requires various parties to improve their performance and business in order to be able to compete with other parties, including business owners trading in traditional markets. The 17 August Market in Pamekasan Regency is one of the largest traditional markets in Pamekasan Regency, which is located in East Java Province with the highest level of market development in Indonesia. Increasing demands encourage traders to use transaction methods that are less in accordance with Islamic law. For example, neglecting prayers, committing fraud such as reducing scales, unclear expiration dates for goods sold, traders being unfriendly to buyers, and treating buyers differently. So in this research an analysis was carried out of the influence of the variables Tauhid (X1), Balance (X2), Balance (X3), Responsibility (X4), and Ihsan (X5) on Trader Behavior (Y). Based on the calculation of multiple linear regression analysis, the five variables play a significant role in the Trader Behavior variable, with the Tauhid variable (X1) having the most dominant influence.