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<![CDATA[PENGARUH PENGGUNAAN QRIS, PENDAPATAN, TABUNGAN dan GAYA HIDUP TERHADAP PERILAKU KONSUMTIF ]]>
<![CDATA[Yudiana, Alifah Arum]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.15
<![CDATA[Needs are things that must be fulfilled in life. Humans cannot be separated from consumption activities to meet their daily needs. Humans also not only fulfill their basic needs but also their desire to get satisfaction. This gives rise to consumptive behavior. In addition, the development of an increasingly easy payment system also makes it easier for someone to consume. Income, savings and lifestyle also play a role in a person's consumption activity. This study aims to find out how the influence of the use of QRIS, income, savings and lifestyle on consumptive behavior so that later it is expected to be able to find out the factors that influence broader consumptive behavior. This research uses multiple linear regression method. The results of this study indicate that the use of QRIS, income and savings have no effect on consumptive behavior and lifestyle has a significant effect on consumptive behavior.]]>
<![CDATA[PENGARUH FITUR ROBO ADVISOR DAN MINIMAL TOP UP TERHADAP MINAT INVESTASI REKSADANA (STUDI KASUS PADA APLIKASI BIBIT DAN BAREKSA) ]]>
<![CDATA[Ariyanti, Septi Dwi]]>;
<![CDATA[Pangestuty, Farah Wulandari]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.7
<![CDATA[The capital market is a sector that has an important role in economic development because the capital market performs a dual function, namely as a medium for companies to obtain capital as well as a medium for the public to invest. It can be seen that the number of investors has increased every year. However, this increase is in contrast to the low level of financial literacy and inclusion in the capital market. This study aims to determine the effect of the robo advisor feature and minimum top up on mutual funds investing intention by the people of East Java in the Bibit and Bareksa applications. With a population of 100 users of the Bibit and Bareksa applications in East Java, a total sample of 80 people and using the logistic regression method, the results show that the robo advisor feature and minimum top up have a significant effect on mutual funds investing intention so it can be concluded that these two variables can increase opportunities and contribute to investing intention. Keywords: Bibit and Bareksa Applications; Minimum Top Up; Mutual Funds Investing Intention; Robo Advisor Feature.]]>
<![CDATA[ANALISIS VOLUME PERDAGANGAN DAN RETURN SAHAM SEBELUM DAN SELAMA PANDEMI COVID-19 ]]>
<![CDATA[Lukman, Putri Rismawati]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.11
<![CDATA[The Covid-19 pandemic has impacted the Indonesian capital market significantly. This research aims to identify and analyze the disparities in trading volume and stock returns prior to and during the pandemic within stocks of differing market capitalizations, blue chip and non-blue chip stocks. The sample for this study comprised 20 IDX30 shares and 32 IDX SMC-LIQ shares. The validation of hypotheses was accomplished using the Wilcoxon signed-rank test. The research findings revealed significant differences in trading volume and stock returns before and during the Covid-19 pandemic. The trading volume of both blue chip and non-blue chip stocks experienced an increase, indicating an augmented interest in stock market investment amid the pandemic. The returns on blue chip and non-blue chip stocks exhibited an upswing due to governmental policies engendered a positive sentiment among investors.]]>
<![CDATA[ANALISIS FAKTOR YANG MEMPENGARUHI KEPUTUSAN UMKM MENGGUNAKAN QRIS DAN PENGARUHNYA TERHADAP PENGHASILAN UMKM DI PASAR RAKYAT KOTA MALANG ]]>
<![CDATA[Micke Theresa Bella Alfira]]>;
<![CDATA[Susilo]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.1
<![CDATA[The massive payment using electronic money which can now be used in almost all transactions including shopping centers, thus encouraging Bank Indonesia to establish QRIS (Quick Response Code Indonesian Standard) as the payment QR code standard, where to expand the implementation of QRIS, Bank Indonesia issued the SIAP Markets and Shopping Center program (Healthy, Innovative, Safe to Use) QRIS. This study discusses the influence of technological, organizational, and environmental factors on the decision of MSMEs to use QRIS and their impact on MSME income in the Malang City market. 96 samples were used with a sample size following the Cochran formula and purposive sampling technique and the PLS-SEM method as the analysis with SmartPLS. The findings indicate that technology, organization and the environment have a positive and significant influence on MSME’s decisions to use QRIS and the use of QRIS has a positive and significant influence on MSME income.]]>
<![CDATA[ANALISIS DAMPAK DIGITALISASI SISTEM KEUANGAN INDONESIA TERHADAP PERMINTAAN UANG KARTAL ]]>
<![CDATA[Virnanda, Yohana]]>;
<![CDATA[Suman, Agus]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.14
<![CDATA[The growth of technology that has an impact on the financial world causes people's responses to change so, research about the effect of digitization of the Indonesian financial system on the demand for cash with a research period from 2018 to 2022 using the Autoregressive Distributed Lag (ARDL) method by secondary data is carried out. The results showed that in the short term, the previous period of cash, credit cards, electronic money in 2022 and 2020 also inflation negatively affected the demand for cash. While in the long run, only the transaction value of ATM/Debit cards and credit cards have a negative effect on changes in Y. Increased use of non-cash payment instruments that are able to reduce the composition of cash for daily transactions must be accompanied by improved payment system policies, the legalization of digital rupiah and support for improving public financial literacy.]]>
<![CDATA[PENGARUH PERFORMA LAPORAN KEUANGAN DAN MAKROEKONOMI TERHADAP HARGA SAHAM PERUSAHAAN TEKNOLOGI ]]>
<![CDATA[Ravaes, Maulana Wafi]]>;
<![CDATA[Silvi Asna Prestianawati]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.5
<![CDATA[Stock price is one of the benchmarks of company performance, including technology companies. Various macro and micro factors can affect the stock price of technology companies, some of these factors are profitability, liquidity, solvency, inflation, and exchange rates. This study seeks to determine and analyse the effect of financial statement performance and macroeconomics on the stock prices of technology companies in Indonesia. This study uses panel data with 9 technology companies in Indonesia included in the IDXTECHNO industry classification during 2019-2021. The regression model used is panel data regression with hypothesis testing using t test, F test and coefficient of determination. The results showed that the performance of financial statements in the profitability dimension had a positive and significant effect, the liquidity dimension had a negative and insignificant effect, the solvency dimension had a positive and insignificant effect. and for macroeconomics in the exchange rate dimension had a negative and significant effect, the inflation dimension had a negative and insignificant effect. This indicates that the use of profitability and exchange rates can increase the share price of technology companies in Indonesia. Therefore, improving the performance of financial statements and economic stability should be further enhanced.]]>
<![CDATA[ANALISIS VARIABEL YANG MEMENGARUHI PEMILIHAN PRODUK TABUNGAN BRITAMA PERIODE TAHUN 2023 ]]>
<![CDATA[Wimardu, Dessylla Duarthe]]>;
<![CDATA[Susilo]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.2
<![CDATA[The purpose of this study was to determine the effect of initial deposit variables, monthly administration fees, labor force perceptions of their work, income, and promotions on prospective customers' decisions in choosing BritAma savings products compared to other savings products at PT. BRI (Persero), Tbk Kepanjen Branch Office and find out what factors have the most dominant influence on the decision. The author uses the Logistic Regression method or Logistics Model Analysis (LOGIT) to analyze qualitative data that reflects the choice between two alternatives. The results show that the initial deposit and income variables have a positive and significant effect, while the monthly administration fee variable has a negative and significant effect on customer decisions. Meanwhile, the labor force's perception of their work and promotions does not have a significant effect on customer decisions. The results of this study can be used as a benchmark for banking, especially PT. BRI (Persero), Tbk to improve its work efficiency in order to gain the trust of the public to save their funds in the bank.]]>
<![CDATA[PENGARUH MAKROEKONOMI DAN KINERJA KEUANGAN TERHADAP NILAI PERUSAHAAN BANK DIGITAL SELAMA PANDEMI COVID-19 ]]>
<![CDATA[Utami, Aulia Putri]]>;
<![CDATA[Hascayani, Tyas Danarti]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.10
<![CDATA[The increase in stock prices is considered to be an indicator of increasing firm value. During the pandemic, there was a contradiction between stock price movements and the fundamental conditions of digital banking companies. This research was conducted to determine the effect of macroeconomics as reflected by gross domestic product (GDP), interest rates (R), exchange rates (NT), inflation (INF), and the effect of financial performance as reflected by return on assets (ROA) and loan to deposit ratio (LDR) to firm value (MBV) of digital banks during the Covid-19 pandemic. 48 samples from 6 companies with 8 time periods moving quarterly from 2020-2021 were analyzed using multiple linear regression panel data with the selected common effect model (CEM). The results of this study are PDB and R have a positive and significant effect on MBV, while NT, INF, LDR have a negative and significant effect on MBV. And only ROA has a positive and insignificant effect on MBV. However, simultaneously all the dependent variabels have a significant effect on MBV.]]>
<![CDATA[ANALISIS PERILAKU KONSUMEN PADA REPEAT PURCHASE DECISION DALAM TRANSAKSI DI E-COMMERCE (STUDI PADA KONSUMEN TOKOPEDIA) ]]>
<![CDATA[Erwin Timoty Parluhutan Purba]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.16
<![CDATA[This research explores the behavior and decision-making process of consumers when they make purchases in the E-commerce industry. The primary objective of this thesis is to focus on understanding the underlying reasons why consumers buy certain products, how much they are willing to pay for them as well as the impact of content marketing on consumer engagement, customer loyalty and what factors influence their purchasing decisions In Tokopedia, one of Indonesia's top e-commerce platforms through a quantitative survey of Tokopedia users. The research methodology involved a quantitative approach, with a survey distributed to 100 Tokopedia customers who have experienced content marketing activities with a Likert scale of 1-4. The research contributes to the understanding of content marketing effectiveness in the e-commerce industry and provides insights for practitioners to develop effective marketing strategies. According to the research, content marketing boosts repeat purchase behavior by favorably influencing consumer engagement and loyalty. The study also gives a framework for evaluating the efficacy of content marketing and determines the content kinds that Tokopedia's users respond to the best.]]>
<![CDATA[DETERMINAN CAPITAL BUFFER: KAJIAN EMPIRIK INDUSTRI PERBANKAN DI INDONESIA ]]>
<![CDATA[Estika, Winda Febi]]>;
<![CDATA[Wahyudi, Setyo Tri]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.13
<![CDATA[A high capital buffer can increase stakeholder confidence in the sustainability and stability of the bank, but causes the bank to lose the opportunity to maximize profits from business operations that should be carried out using a capital buffer. On the other hand, a low capital buffer can reduce stakeholder confidence in banks, because banks are considered to have a high risk if the economy contracts in the future. The purpose of this research is to identify and analyze the effect of bank size, liquidity risk, credit risk, operational risk, and profitability on capital buffer in KBMI 3 and 4 bank categories during 2018-2022. Using panel data regression, this study finds that partially the variables SIZE, LDR, BOPO, and ROE had a negative and significant effect on the Capital Buffer. Meanwhile, NPL has no significant effect on the Capital Buffer.]]>
