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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
 1   2 
Search results for , issue "Vol. 2 No. 1 (2023)" : 15 Documents clear
KONDISI BANK BUMN PERIODE SEBELUM DAN SESUDAH PENGUMUMAN PROGRAM PENEMPATAN UANG NEGARA Bhaktiyana, Arif Kiyat; Fadli, Faishal
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.11

Abstract

This study aims to analyze the impact of the State Money Placement Program on company value, stock prices, and stock abnormal returns at state-owned banks, which is based on the various effects of PEN policies on the economy. The method in this study is the Event Study and also performs a T-test to see the differences in the variables before and after the event period. The variables used are firm value from Tobin's Q calculations, daily closing stock prices, and daily stock abnormal returns. This study found that there was an impact of the State Money Placement program on company value, stock prices, and abnormal returns on shares of BUMN Banks. Where the impact resulted in differences in company value and stock prices in the period before and after. However, there is no difference in abnormal returns, this is due to significant daily abnormal returns that recur before the day of the event, which indicates that investors have responded and rated it as a good signal before the day of the event. This investor response was made possible due to the news that has been circulating regarding government policies to overcome the economic crisis due to the Covid-19 pandemic.
REAKSI INVESTOR TERHADAP INFORMASI PENINGKATAN KASUS HARIAN COVID-19 PADA EMITEN PENYEDIA JASA KESEHATAN BEI Fathoni, Imam; Fadli, Faishal
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.13

Abstract

COVID-19 pandemic have impact on the economy, We can see from the IDX stock market crash, that can be observed from january 2020 untill march 2020. When COVID-19 pandemic occur, there was an increase demand for health product. That can be showed by how the company revenue increased on health service company, then how the investor respond to that?. This study aims to observe the investor reactions, on increasing COVID-19 cases to returns, abnormal returns and trading volume activity of Health Service Providers based company,  with a period of 10 days before and after the announcement of the event. This study uses an Event Study approach. The result of this study is that there are significant differences in the before and after period on return and abnormal return, and not significant on trading volume activity variables. There are three implications obtained from this study, the first is that this research confirms that information affects stock prices. The second implication is that the significant increase in returns and abnormal returns does not mean that trading volume activity has also increased significantly. The final implication of this research is that the alleged inclination of investors irrationality.
ANALISIS PENGARUH INKLUSI KEUANGAN TERHADAP KEMISKINAN DI INDONESIA Prakarsa, Daffa Yudha; Bintoro, Nugroho Suryo
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.03

Abstract

Poverty still a major problem in developing countries, including Indonesia. Various efforts have been made to alleviate poverty, one of which is through financial inclusion. This research attempts to identify and analyze the effect of financial inclusion on poverty in Indonesia. This research uses panel data from 34 provinces in Indonesia during 2018-2021. The regression model used is panel data regression. Testing the hypothesis with t test and F test. The results showed that the financial inclusion dimension of accessibility has a negative and significant effect, the financial inclusion dimension of availability has a negative and insignificant effect, and GRDP per capita has a negative effect although not significant on poverty in 34 provinces in Indonesia. Meanwhile, the financial inclusion dimension of use has a positive and significant effect on poverty in 34 provinces in Indonesia. This indicates that the use of financial services can actually increase poverty in 34 provinces in Indonesia. Financial inclusion dimensions of the use of financial services are still minimal for the poor. So that increasing the use of financial services must pay attention to the poor. The government also needs to pay attention to increasing financial inclusion which is more evenly distributed between provinces.
ANALISIS PENGARUH RISIKO KREDIT DAN PERMODALAN TERHADAP PROFITABILITAS MELALUI PERTUMBUHAN KREDIT Manurung, Wanda Valeria; Bintoro, Nugroho Suryo
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.15

Abstract

Along with the deceleration of global and domestic economy, the profitability of banks is also decreasing. Such degradation must receive sufficient attention as it can reduce people’s trust and bank’s business sustainability if not addressed properly. The objective of this research is to assess the effects of credit risk and capital on profitability both directly and indirectly through the mediation of credit growth. Using purposive sampling technique, banks member of HIMBARA (Association of State-Owned Banks) from the first quarter of 2012 to the fourth quarter of 2021 were selected as the sample. The data was processed using panel data regression and path analysis. This study finds that NPL and CAR negatively and significantly influence credit growth, that NPL negatively and significantly affects ROA, that CAR and credit growth have no effect on ROA, and that credit growth does not mediate the effects of NPL and CAR on profitability.
ANALISIS PENGARUH FAKTOR EKSTERNAL DAN FAKTOR INTERNAL BANK TERHADAP NON PERFORMING FINANCING Salsabilla, Annisa; Devia SS, Vietha
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.10

Abstract

Non Performing Financing (NPF) is a ratio that shows the amount of financing problem on Islamic Bank. And increase in the NPF ratio of Islamic Bank will cause the bank’s health level and liquidity to decrease. This study aims to find out how external factors such as inflation and GDP, as well as bank internal factors such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and Third Party Funds can affect changes in the ratio NPF. Islamic Bank can use this information as a reference for making regulations in anticipating an increase in the NPF ratio. This research focuses on Bank Muamalat Indonesia using the 2011-2020 quarter time period. This study uses a quantitative approach by conducting time series regression analysis to see the simultaneous and partial effects of the independent variables on the dependent variable. The results of this study indicate that inflation, GDP, CAR, FDR, BOPO, and Third Party Funds simultaneously have a significant effect on Bank Muamalat's NPF. Partially, inflation and BOPO have a significant positive effect, GDP and Third Party Funds have a significant negative effect, while CAR and FDR have no effect on Bank Muamalat's NPF
ANALISIS PENGARUH INKLUSI EKONOMI DIGITAL TERHADAP PERTUMBUHAN EKONOMI DAN DISTRIBUSI PENDAPATAN DI INDONESIA Ku, Feky; Kaluge, David Kaluge
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.09

Abstract

With the use of technology increasing so rapidly as time goes by, the government must facilitate the use of technology and also invest more in technology so that the effects of using this technology can be felt by all levels of society. This study aims to analyze how there is an effect of the use of digital technology on economic growth and income distribution. The variables used in this study are economic growth and income distribution as the dependent variable, while digital technology is the independent variable. The research model used is the convergence model, which has a significant level of less than 0.05. The result of this study is that all digital technology variables have a significant effect on economic growth and income distribution.
ANALISIS MEKANISME PEMBIAYAAN MIKRO KEPADA KELOMPOK UMKM Sari, Amila Aulia; Muttaqin, Aminullah Achmad
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.06

Abstract

The objective of this research is to identify the mechanism of financing for micro, small, and medium-sized enterprises (MSME). The identification can help people distinguish financing mechanisms applied in Islamic and conventional banks based on the law of the contracts and the requirements made by the bank. Furthermore, MSME can choose easily which type of financing benefit them most. In brief, Islamic banks use Murabaha, while their counterparts use interest system. Hence, people can be more aware about banking in Indonesia especially in terms of the offered financing products.keyword: banking, the low of the contracts,system
PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), NET INTEREST MARGIN (NIM), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PENYALURAN KREDIT Sudimoro Family, Syafira Tauhida Qulby
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.12

Abstract

Banking is an important part that plays a role in the economic development of a country. Banking also functions as an intermediary institutions whose job is to collect funds from the public and channel them back to the community in the form of credit. In extending credit, there are internal factors that must be considered, namely the activities of banks collecting public funds are indicated by the amount of DPK, from the capital side it is indicated by CAR, the level of collectibility is indicated by NPL, the level of bank operational efficiency is indicated by NIM, and from a banking liquidity perspective indicated by LDR. This study aims to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) on bank lending listed on the Stock Exchange. Indonesian securities for the 2012-2021 period using the purposive sampling method. The analytical method uses panel data regression. The results showed that DPK, CAR, NIM, and LDR had a positive and significant effect on lending. Meanwhile, NPL has a significant negative effect on lending. Keywords: Lending, DPK, CAR, NPL, NIM, LDR
STRATEGI BERTAHAN UMKM PADA MASA PANDEMI COVID-19 PADA PEMBIAYAAN BANK THITIL UNTUK PARA PEDAGANG fatimah evanggalista wijayanti; Badriyah, Nurul
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.04

Abstract

One of the sectors most affected by the policies issued by the goverment due to the Covid-19 pandemic is the MSME sector. whereas in fact, MSMEs are the main actors in economic activities in Indonesia. MSMEs are also the largest provider of employement. The decline in people's purchasing power has an effect on the decline in the income of the MSME sector so that the MSME sector is required to have a strategy on how their business can survive or they can still obtain capital to produce further. This study uses field research or field research where researchs conduct research and collect data directly and see the actual phenomenon. The results showed that the traders' survival strategy was to do financing in the informal sector of Bank Thitil because it was considered an easy process and fast time. Compared to other formal or informal sectors. Bank Thitil is the easiest solution because there is no need for collateral as loan collateral. The diffulty experienced by traders is that the interest rates given are too high, so to cover loans in one sector the traders make loans to other sectors so as to multiply the loans they have and bear very high interest rates.
DIGITALISASI DAN PENGANGGURAN DI PEDESAAN JAWA TIMUR PADA MASA PANDEMI COVID-19 (STUDI KASUS PADA SEKTOR INFORMAL) Mawarni, Sherina Indah; Syafitri, Wildan
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.14

Abstract

The COVID-19 pandemic has caused unemployment  increase, but COVID-19 has also provided a digital acceleration boost. In 2020 East Java has highest rate of digital literacy. Using SAKERNAS 2020 data, This study employs logistic regression to determine how East Java's unemployment is affected by digitalization. This study indicated that East Java's unemployment rate was significantly and negatively impacted by digitization. Workers who can master information technology through use of the internet will have an impact on have a smaller tendency to become unemployed than those who cannot use the internet. In addition, other factors such as area of residence, employment sector, gender, training, pre-employment card ownership, education and migration also affect the tendency of the workforce to become unemployed.

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