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Safrilia Ayu Nani
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Contemporary Studies in Economic, Finance and Banking (CSEFB)
Published by Universitas Brawijaya
ISSN : -     EISSN : 29633303     DOI : 10.21776/ub.csefb
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Publish all forms of quantitative and qualitative research articles as well as other scientific studies related to the fields of Economics, Finance, and Banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol. 1 No. 1 (2022)" : 15 Documents clear
PENGARUH PROFITABILITAS DAN VALUASI HARGA SAHAM TERHADAP RETURN SAHAM (Studi Kasus pada Perusahaan Konsumer Non-siklikal PT. Indofood CBP Sukses Makmur, Tbk Q1 2011 – Q4 2021) Perwira, Deghar Rajendra; Devia , Vietha
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.2022.01.1.15

Abstract

The existence of the stock exchange is widely known by the public, as reflected in the SID which shows a significant increase from 2017 to 2021. One popular stock exchange investment instrument is stocks, with the highest probability of return but accompanied by great risk. Specifically, non-cyclical consumer companies can provide investment security because of stable profit growth in the long term, making it attractive for investors with long investment timeframes. However, efforts to achieve optimal returns require an analytical process, involving financial statements as a fundamental aspect. There are important ratios, one of which is profitability shown through Net Profit Margin and Return On Equity. In addition, the rational analysis process can be strengthened by evaluating stock prices. This research aims to determine the impact of profitability and stock price valuation on stock returns of PT. Indofood CBP Sukses Makmur, Tbk (ICBP). One of the reasons why ICBP was chosen as the object of research is because as a leading company in the non-cyclical consumer sector with good profitability, however, ICBP's stock price tends to decline at this time. This research uses a quantitative method with multiple linear regression through Eviews 12. The results of the research prove that there is a significant and positive impact of Return On Equity and stock price valuation on stock returns. Meanwhile, Net Profit Margin does not have a significant impact on stock returns.
ANALISIS INKLUSI KEUANGAN MELALUI ELEKTRONIK WARUNG GOTONG ROYONG (E-WARONG) PADA MASA PANDEMI Hermeindito, Andreas; Susilo
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.2022.01.1.08

Abstract

The low financial inclusion index in Indonesia compared to ASEAN countries needs to be improved through BSNT.This research aims to determine the understanding, experience, form of service and the tendency of non-cash transactions of BSNT recipients in Kediri City & Regency.This research uses a descriptive quantitative method with a percentage descriptive analysis technique. Data are obtained through interviews, documentation and observation. Respondents to the study were BSNT recipients and owners of E-Warong.Research sampling using purposive sampling. The results of this study show that most of the BSNT recipients understand and are ready to use cashless transaction services in BSNT distribution.However, BSNT recipients still do not optimize and do not know the type of electronic money service.Respondents who own E-warong provide various types of payments and financial service facilities.The trend of non-cash transactions has increased after being equipped with cashless payment facilities on E-Warong.Efforts to increase financial inclusion through E-Warong in BSNT distribution are able to bring BSNT recipients in Kediri City and Regency to get to know and use financial services
PERBANDINGAN KINERJA PERBANKAN MELALUI RASIO KEUANGAN BERDASARKAN ASPEK RISK PROFILE, EARNINGS, DAN CAPITAL SEBELUM DAN SELAMA PANDEMI COVID-19 (Studi Pada Bank BUMN Konvensional) Wibowo, Dimas Hary; Galuh, Ajeng Kartika
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.2022.01.1.09

Abstract

Financial ratios as an indicator of bank performance, in conventional state-owned banks show differences in performance between before and during the Covid-19 pandemic. This study aims to see whether there are conventional state-owned banks that have significant differences in performance between before and during the Covid-19 pandemic, as seen through the financial ratios. Financial ratios Non Performing Loan (NPL) and Loan to Deposit Ratios (LDR) as a projection from the Risk Profile aspect, Return on Asset (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) as a projection from the Earnings aspect, as well as the Capital Adequacy Ratio (CAR) as a projection from the Capital aspect. The data analysis method is a different test used Paired Sample t-Test and Wilcoxon Signed Ranks Test. The study results indicate a decrease in performance based on aspects of Risk Profile, Earnings, and Capital in conventional state-owned banks. From the results of data analysis, it was also found that bank Mandiri showed significant differences in NPL, LDR, ROA, ROE, NIM, and CAR, bank BRI showed significant differences in NPL, LDR, ROA, and ROE, bank BNI showed significant differences in NPL, LDR, ROA, ROE, and NIM, as well as at bank BTN showed significant differences in LDR, ROA, and CAR.
ANALISIS PENGARUH FINTECH ADOPTION TERHADAP PROFITABILITAS BANK UMUM KONVENSIONAL DI INDONESIA Fuadi, Ahmad Melky; Munawar, Munawar
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.2022.01.1.02

Abstract

Covid-19 pandemic that occurred in Indonesia had a serious impact on all sectors, one of which was the financial and banking sectors. This phenomenon requires the banking sector to overcome it through the application of financial technology. This study aims to determine the effect of Fintech adoption on the financial performance of conventional commercial banks in Indonesia in terms of the Return on Assets ratio during the period 2013 - 2021. This study uses the Error Correction Term analysis method to see the effect of the independent variable on the dependent variable in the long term. short and long term. The independent variables in this study include mobile banking, internet banking, and phone banking and the dependent variable is the ratio of ROA. In addition, this study includes control variables consisting of bank size and total credit as well as a dummy variable, namely the covid-19 pandemic. This study results that mobile banking has a positive and significant effect on ROA in the short and long term, internet banking has a negative effect. and significant to ROA in the short and long term, phone banking has a positive but not significant effect on ROA in the short and long term.
ANALISIS PERBANDINGAN KINERJA KEUANGAN SEBELUM DAN SESUDAH PENERAPAN MOBILE BANKING Siagian, Kevin Adriel; Manzilati, Asfi
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.2022.01.1.10

Abstract

The purpose of this study is to identify financial performance differences of Bank Negara Indonesia before and after the application of Mobile Banking. This research period is six years before (2010 – 2015) and six years after (2016 – 2021) implementation of Mobile Banking. Financial performance was analyzed from the aspects of capital (CAR), productive assets (NPL), profitability (ROA), efficiency cost (OER), and liquidity (LDR). Normality test showed that CAR and NPL was tested using Paired sample t-test. Meanwhile ROA, BOPO, and LDR were tested using Wilcoxon signed-rank test. SPSS 25 was used for data processing. This study finds that OER does not show difference in financial performance before and after application of Mobile Banking. In NPL, there’s a slightly decreased after Mobile Banking application, considered as insignificant. CAR and LDR indicate an increase in financial performance. ROA significantly decreased after the application, which caused by high cost of application development and short period of the research. This study recommends banking companies, particularly Bank Negara Indonesia, to promote activation of Mobile Banking. Furthermore, security issues are crucial for both public and banks. Implementing proactive cybersecurity, policy harmonization, and increasing people awareness concerning cyberattack can serve protection for both banks and customers.

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