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<![CDATA[PENILAIAN RGEC PADA PERBANKAN YANG TIDAK MENGALAMI, BERISIKO, DAN MENGALAMI FINANCIAL DISTRESS MENURUT MODEL GROVER ]]>
<![CDATA[Sari, Fara Anjar]]>;
<![CDATA[Prasetyia, Ferry]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.03.2.04
<![CDATA[LPS has liquidated a total of 117 banks by 2021 due to financial distress and the inability to maintain their health. This study aims to analyze the health level of banks through RGEC concerning banks that do not experience, are at risk of, and experience financial distress. Using a descriptive analysis method, banks are categorized based on three levels of potential financial distress according to Grover or G-Score, then evaluated through RGEC assessments in each bank category. The results indicate that, along with the decrease in G-Score, high NPL and low LDR reflect a greater potential for financial distress. Assessment of GCG through managerial ownership, profitability through ROA is not the sole factor indicating potential financial distress. However, low NIM may reflect a high potential for financial distress. Meanwhile, CAR shows high and very healthy values for all bank categories. This suggests that banks need to improve their health through risk management and increase Grover’s value by enhancing working capital, profits, and assets returns, so that banks can not only increase Grover’s value but also strengthen their position as financial institutions.]]>
<![CDATA[ANALISIS PENGARUH INTERMEDIASI DAN INKLUSI KEUANGAN TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA ]]>
<![CDATA[Fitrayansyah, Rudi]]>;
<![CDATA[Fadli, Faishal]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.03.2.05
<![CDATA[This study aims to determine how intermediation and financial inclusion affect financial system stability. Financial system stability is an important issue for the country's economy. In this case, financial inclusion and the role of intermediation have emerged as important components that can affect stability. The method used in this study is multiple linear regression method to see how third party funds, lending, number of accounts and number of ATMs affect financial system stability. Based on the findings in this study that intermediation consisting of third party fund variables has a significant negative effect on financial system stability and credit variables have a significant positive effect on financial system stability as proxied by the financial system stability index, meaning that credit that is not accompanied by proper supervision and regulation will potentially cause instability in the financial system and financial inclusion consisting of variables number of accounts and number of ATMs has a significant negative effect on financial system stability as proxied by the financial system stability index.]]>
<![CDATA[COVID-19 IMPACT ON DEBT CHOICES OF HEALTHCARE COMPANIES: EVIDENCE FROM INDONESIA ]]>
<![CDATA[Lukman, Cecilia Jelsica]]>;
<![CDATA[Muttaqin, Aminnulah Achmad]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.03.2.03
<![CDATA[The COVID-19 pandemic, caused by the SARS-CoV-2 virus, has had a huge global impact since its emergence in December 2019. This research explores the various impacts of the pandemic on the Indonesian economy, with a particular focus on the healthcare sector from 2019 to 2022. This research aims to determine the impact of COVID-19 on debt choices in the health sector listed on the IDX. The research timeline encompasses the years 2019 through 2022, designating the period from 2019 to 2021 as the active COVID-19 timeframe, with 2022 denoted as a post-COVID-19 phase. Debt choice is represented by the debt-to-equity ratio (DER). Then, this research uses panel data, which is secondary data. This research uses Repeated Measure ANCOVA, which is regressed using the STATA 14.2 application. This research concludes that the COVID-19 pandemic affects the debt choices of healthcare companies. The findings support the idea that the pandemic has a marked impact on the debt choices of healthcare firms in Indonesia, emphasizing the need for adaptability in financial strategies during times of significant global disruption.]]>
<![CDATA[ANALISIS PENGARUH E-MONEY DAN BI7DRR TERHADAP JUMLAH UANG BEREDAR DENGAN INFLASI SEBAGAI MODERASI ]]>
<![CDATA[Nabila, Farah]]>;
<![CDATA[Munawar Ismail]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2024.03.2.17
<![CDATA[The purpose of this study is to understand the influence of e-money transaction volume and the BI7DRR on the money supply in Indonesia, using inflation as a moderating variable. The data utilized consists of time series data from January 2020 to December 2022. The research employs multiple linear regression analysis techniques, including Moderating Regressions Analysis (MRA). Based on the research findings, it is revealed that both e-money transaction volume and the BI7DRR have a significant impact on the money supply (M1) in Indonesia. Furthermore, inflation act as a moderating predictor in the interavtion relationship between e-money transaction volume and the BI7DRR on the money supply in Indonesia.]]>
<![CDATA[PENGARUH ENVIRONMENTAL, SOCIAL, & GOVERNANCE (ESG) DISCLOSURE SERTA KINERJA KREDIT TERHADAP PROFITABILITAS BANK ]]>
<![CDATA[Cahyani, Anindia Putri]]>;
<![CDATA[Moh. Athoillah]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2024.03.2.18
<![CDATA[The study aims to analyze the impact of Environmental, Social, & Governance (ESG) disclosure, as well as Loan to Deposit Ratio (LDR) and Net Interest Margin (NIM) on the Return on Assets (ROA) of 10 banks that have sustainability reports and have ESG index scores in 2018-2021. The research method used in this research is a quantitative research method with a panel data regression analysis technique. The research data used is secondary data with a purposive sampling technique. The results of this study show that social variables, governance variables and NIM have a significant impact on ROA. The findings in this study have practical implications for corporate stakeholders in evaluating policies to disclose ESG performance.]]>
<![CDATA[DEMAND FORECASTING: A CASE STUDY OF THE INDONESIAN TOBACCO INDUSTRY ]]>
<![CDATA[Bagaskara, Hilman]]>;
<![CDATA[Fajri ananda, Candra]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2024.03.2.16
<![CDATA[The tobacco industry, as one of the major industries in Indonesia, has experienced consistent growth. Despite being burdened by stringent regulations; tobacco products still maintain high demand among consumers. Forecasting serves as a crucial tool for every industry, aiding in decision-making and planning. ARIMA is one of the reliable forecasting methods, yet it remains open for further development. This study aims to compare ARIMA and SARIMAX, which incorporates seasonal aspects and external variables, namely weighted tariffs and affordability, to determine which of these forecasting models is more accurate. Through the execution of the equations, this research has demonstrated that SARIMAX outperforms ARIMA with a lower Mean Absolute Percentage Error (MAPE) score of 7.63 compared to ARIMA's more accurate MAPE score of 10.8. These findings indicate that SARIMAX is more accurate, as evidenced by its lower MAPE score of 7.63.]]>
<![CDATA[ANALISIS SUKU BUNGA, PAJAK, DAN INVESTASI TERHADAP PENYALURAN KREDIT DOMESTIK PADA NEGARA ASEAN 5 ]]>
<![CDATA[Aprilia, Yuyun Fahira]]>;
<![CDATA[Silvi Asna Prestianawati]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2024.03.2.15
<![CDATA[The purpose of this research is to analyse the effect of interest rates, taxes, and investment on domestic credit distribution lendin in ASEAN 5 countries. This research is classified as descriptive quantitative using secondary data from the World Bank website from 2013 to 2022 by taking a sample of ASEAN 5 countries namely Indonesia, Singapore, Malaysia, the Philippines, and Thailand. The analysis used is panel data regression. This research is expected to contribute positively to government policy in an effort to improve credit quality in Indonesia, Singapore, Malaysia, the Philippines, and Thailand. The results of this research show that interest rates and the number of new businesses registered have a significant positive result on domestic credit distribution in ASEAN 5 countries, meaning that the higher the interest rate and the number of new businesses registered will cause domestic credit distribution in ASEAN 5 countries to also increase. increase. Meanwhile, taxes show a significant negative result on domestic credit distribution in ASEAN 5 countries, meaning that lower taxes cause domestic credit distribution in ASEAN 5 countries to increase.]]>
<![CDATA[EFFICIENCY ANALYSIS OF JAVA'S REGIONAL BANKS IN LENDING ALLOCATION ]]>
<![CDATA[Pratama, Agung Yuda]]>;
<![CDATA[Setyo Tri Wahyudi]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2024.03.2.14
<![CDATA[This research examines the efficiency of lending distribution by Regional Development Banks (RDBs) in Java, Indonesia, using Data Envelopment Analysis (DEA) and panel regression analysis. It analyzes financial data from 2015-2022 to identify factors affecting lending distribution efficiency. Key variables include Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Operating Expenses to Operating Income (OER), and regional government funds percentage (LGFR). the study identifies that among the variables examined, only LDR significantly impacts the lending efficiency of RDBs. This finding underscores the critical role of effective deposit to loan conversion in enhancing RDB operational performance, while other factors such as CAR, NPL, OER, and LGFR do not show a statistically significant effect. This research contributes to the banking efficiency literature by highlighting the importance of optimizing LDR to improve the operational efficiency of RDBs. It offers new insights into the operations of regional banks and their role in regional economic growth, especially in Java.]]>
<![CDATA[ANALISIS FLYPAPER EFFECT PADA PEMERINTAH KABUPATEN/KOTA BERDASAR KELOMPOK INDEKS PEMBERDAYAAN GENDER ]]>
<![CDATA[Maulana, Al Abidha Dinda]]>;
<![CDATA[Maryunani]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2024.03.2.19
<![CDATA[Over the past two decades, fiscal decentralization in Indonesia has been predominantly focused on the expenditure side. East Java has a higher average regional expenditure realization compared to DKI Jakarta and DI Yogyakarta, but not with the average economic growth rate, thus raising the possibility of expenditure deviation in the form of the flypaper effect phenomenon. On the other hand, gender equality has become one of the urgencies in development and correlates with economic growth. Therefore, a quantitative study was conducted using panel data regression techniques (regional expenditure, PAD, and DAU) from all regencies/cities in East Java during 2018 to 2022, differentiated based on the Gender Development Index (GDI) value. This research aims to identify the existence of the flypaper effect, which can provide a general overview of the preferences in the use of regional expenditure funding sources. The results of this study found no flypaper effect in either high-GDI or low-GDI regencies/cities because the influence of PAD is more significant compared to DAU.]]>
<![CDATA[ANALISIS FAKTOR YANG MEMPENGARUHI SUKU BUNGA KREDIT INVESTASI DI INDONESIA ]]>
<![CDATA[Syahputra, Reisnanda Afkary]]>;
<![CDATA[Santoso, Dwi Budi]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2024.03.2.20
<![CDATA[This study aims to find out determinants of investment credit interest rates in Indonesia. This study uses a quantitative approach with the VAR analysis method. The data used in this study is secondary data in the form of a time series with quarterly time periods from Q1 2011 to Q4 2022. The study found that BI Rate increases investment credit interest rates. Then gross domestic product can increase investment credit interest rates, but will reduce investment credit interest rates in the longer period. The money supply has an indirect effect on investment credit interest rates through gross domestic product. These results recommend policies to maintain the BI Rate and the economy to remain stable so that it can provide convenience for business actors, the public and banks to encourage credit development.]]>
