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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 21 Documents
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Search results for , issue "Vol. 3 No. 4 (2024)" : 21 Documents clear
PENGARUH IMPLEMENTASI PROGRAM SUSTAINABLE FINANCE TERHADAP OPERATING EFFICIENCY RATIO BANK TAHUN 2017-2022 Julian Felix Armando; Setyo Tri Wahyudi
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.2024.03.4.15

Abstract

This research is aimed for examining the impact of the implementation of sustainable finance program policies that projected by the sustainability report, Ethernet Channel, and Green Credit which are examine for it’s influene on the Operational Efficiency Ratio  of banks that listed on the IDX that projected by BOPO in 2017-2022. Through the results of research on 6 banks that are observed by purposive sampling, it shows that ethernet channel product with digital innovation encourage customer efficiency which supports bank operational efficiency. Contrary to the Sustainability Report and Green Credit which actually creates additional costs and risks as well as the characteristics of each program that encourages inefficiency in the observed banks.
PENGARUH KEBIJAKAN BIAYA MERCHANT DISCOUNT RATE QRIS TERHADAP OMZET DI KANTIN Fiktyana, Grania; Muttaqin, Aminnullah Achmad
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.2024.03.4.02

Abstract

Financial Technology (Fintech) has changed the way business actors access financial services, manage finances, and interact with potential buyers. The presence of the Quick Response Code Indonesian Standard (QRIS) makes it easy to carry out non-cash payment transactions. However, unfortunately, using QRIS costs a Merchant Discount Rate (MDR) with the policy set by Bank Indonesia regarding MDR fees of 0.3% for every transaction > IDR 100,000 with QRIS payments as a payment channel for micro businesses. Micro business actors in the Brawijaya University Malang canteen must be prepared to face adjustments to the amount of MDR fees in the QRIS payment system. This researcher aims to determine the effect of MDR costs on turnover in the Brawijaya University Malang canteen. This research is quantitative research using simple linear regression analysis techniques for cross section data with a sample of 50 canteens at Brawijaya University, Malang. This research resulted in the conclusion that QRIS Merchant Discount Rate fees have no influence on turnover in the Brawijaya University Malang canteen. Keywords: Financial Technology, Merchant Discount Rate, Quick Response Code Indonesian Standard, Micro Business
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI OMZET UMK KULINER DI KOTA MALANG Putri, Chika Avianda; Muhammad Dandy Alif Wildana
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.2024.03.4.16

Abstract

Micro, Small and Medium Enterprises (MSMEs) have contributed greatly to the Indonesian economy through GDP and employment. The development of MSMEs is caused by supporting factors, such as capital, labor, length of business, working hours, and technology. Quick Response Code Indonesian Standard (QRIS) is a new payment instrument issued by BI to support a more efficient non-cash payment system. This study aims to determine the effect of QRIS, capital, labor, length of business, and working hours on the turnover of culinary MSEs in Malang City. This study uses primary data in the form of questionnaires distributed directly to 75 respondents. The method used in this research is multiple linear regression to test the influence between variables. The results of this study indicate that the effect of QRIS use, length of business, and working hours has no significant effect on MSE turnover in Malang City, while capital and labor have a significant effect on MSE turnover in Malang City. However, all independent variables jointly affect the dependent variable of MSE turnover in Malang City.
DETERMINAN NIAT GENERASI Z MENGGUNAKAN BANK DIGITAL PENGADOPSI ARTIFICIAL INTELLIGENCE Wangsadireja, Bagia; Satria, Dias
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.2024.03.4.05

Abstract

In the continuously evolving digital era, which drives societal mobility, banks in Indonesia are experiencing a transformation from traditional to modern or digital payment methods. This research aims to examine the influence of awareness, attitude, subjective norm, perceived risk, perceived usefulness, and knowledge on the intention to open a Digital Account in digital banks implementing Artificial Intelligence. The study adopts a quantitative approach, and the sampling method involves 111 students from University of Brawijaya, Malang City. Data collection is carried out through questionnaire distribution. Logistic regression analysis is employed for data analysis. The findings of this study are expected to convince the public and serve as a consideration for banks regarding the importance of Artificial Intelligence in the digitalization era.
ANALISIS PENGARUH PEMBIAYAAN KREDIT PERBANKAN, LAMA USAHA, DAN MEDIA PEMASARAN DIGITAL TERHADAP KEBERLANGSUNGAN USAHA MIKRO (STUDI KASUS USAHA MAKANAN DAN MINUMAN DI KOTA MALANG) Evita Safitri; Farah Wulandari Pangestuty
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.2024.03.4.07

Abstract

This research aims to analyze the influence of banking loan financing , business age, and digital marketing media on micro-sized enterprises income in Malang City. This research uses quantitative research methods with linear regression analysis. The data used in this research uses primary data in the form of a questionnaire distributed to 99 respondents who are micro-sized enterprises in Malang City. This research found that the results of banking loan financing had a significant positive effect on the income of Food and Beverage enterprises  in Malang City, Business age had no significant effect on the income of food and Beverage enterprises in Malang City, and Digital marketing had a significant positive effect on the income of Food and Beverage enterprises in Malang City.
PENGARUH KURS,SUKU BUNGA,INFLASI DAN JUMLAH UANG BEREDAR TERHADAP INDEKS HARGA SAHAM GABUNGAN DI BURSA EFEK INDONESIA TAHUN 2014-2022 Mohammad Farhan; Ghozali Maski
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.2024.03.4.08

Abstract

This study aims to investigate the influence of exchange rates, interest rates, inflation, and money supply on the Composite Stock Price Index (IHSG) at the Indonesia Stock Exchange during the period 2014-2022 using multiple linear regression analysis. The study utilizes secondary data obtained from Bank Indonesia, the Indonesia Stock Exchange, and the Central Statistics Agency. The analysis reveals that among the four independent variables examined, only the exchange rate significantly influences the IHSG. Specifically, changes in the exchange rate have a significant impact on the movement of the IHSG in the Indonesian capital market. Meanwhile, interest rates, inflation, and money supply do not show significant effects on the IHSG during the studied period. These findings provide valuable insights for investors and policymakers to understand the factors influencing the IHSG movements in the Indonesian stock market. The practical implication of this research underscores the importance of considering exchange rate factors in formulating investment strategies in the Indonesian stock market.
ANALISIS RETURN SAHAM PADA PERUSAHAAN GO PUBLIC SEBELUM MERGER DAN AKUISISI DAN FAKTOR DETERMINAN Febrian, Febby; Galuh, Ajeng Kartika
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.2024.03.4.17

Abstract

The major changes that occur as a result of the merger and acquisition phenomenon have the potential to have a significant influence on stock returns. This research aims to determine the influence of determinant factors on stock returns before mergers and acquisitions, determine the influence of determinant factors on stock returns after mergers and acquisitions, and analyze differences in stock returns before and after mergers and acquisitions. This research is included in quantitative research and the type of data used in the research is secondary data from financial reports 2 years before and 2 years after mergers and acquisitions. The sample in this research consisted of 21 companies. The data analysis method used is the panel data regression analysis method and the paired sample t-test. The results of this research are that determinant factors have no effect on stock returns before mergers and acquisitions, determinant factors have an effect on stock returns after mergers and acquisitions and there are differences in stock returns before and after mergers and acquisitions.
PENGARUH EARNING PER SHARE, RETURN ON ASSET, NET PROFIT MARGIN, DAN DIVIDEND PAYOUT RATIO TERHADAP HARGA SAHAM PERUSAHAAN SEKTOR MANUFAKTUR YANG TERDAFTAR DI BEI PERIODE 2017 - 2023 Putri, Anastasya Azzahra Maharani; Indraswari, Citra Rahayu
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.2024.03.4.10

Abstract

Manufacturing is one sector of the Indonesian economy that is quite important and that draws a lot of interest from investors. Before buying or selling shares, investors should keep an eye on the company's performance to minimize potential risks. The purpose of this study is to ascertain how EPS, ROA, NPM, and DPR affect the share price of manufacturing sector businesses that are listed on the IDX between 2017 and 2023. Previous research yielded varying outcomes since it focused on a single manufacturing subsector. The quantitative research approach is panel data regression analysis. The study's conclusions indicate that whereas EPS and ROA have a considerable impact on stock prices, NPM and DPR do not. The combination of EPS, ROA, NPM, and DPR significantly affects stock price. With these results, it is expected that companies can focus on strategies to increase EPS and ROA to increase investor attractiveness and stock prices.
ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI PENYALURAN KREDIT DOMESTIK PADA ASEAN COUNTRIES Nurhalizah, Imelda Indri; Prestianawati, Silvi Asna
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.2024.03.4.06

Abstract

This research aims to analyze the determinants of interest rates, profit tax, total debt service, gross domestic product (GDP), and time to resolve insolvency on domestic credit by banks in ASEAN countries. This research is descriptive quantitative research using secondary data obtained from the World Bank website in 2013-2022 by taking a sample of ASEAN countries namely Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand, Vietnam, and Brunei Darussalam. The analysis used in this research is the panel data regression method. This research is expected to contribute to government policy, namely improving credit quality in Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand, Vietnam, and Brunei Darussalam. The result show that time to resolve insolvency is significant to domestic credit to private sector by banks, while nominal interest rates, profit tax, total debt service, and gross domestic product have no significant effect.
ANALISIS PENGARUH HARGA SAHAM, VOLATILITAS HARGA SAHAM,DAN VOLUME PERDAGANGAN SAHAM TERHADAP BID-ASK SPREAD PERUSAHAAN LQ - 45 (PERIODE 2018 – 2022) Hernanda, Bima; David Kaluge
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.2024.03.4.20

Abstract

The researcher aims to identify the impact caused by several factors such as trading volume, stock price volatility, and stock prices on the bid-ask spread in several companies on the LQ-45 index list. A quantitative approach is used as a research method and uses panel data regression analysis. The data used is a time series and cross sectional in the time period 2018 to 2022. Based on the research results, it was found that there was a negative and significant influence between stock prices on the bid-ask spread. Apart from that, it was found that there was a positive and significant influence on the price volatility variable and stock trading volume on the bid-ask spread variable. Overall the bid-ask spread is simultaneously influenced by stock price variables, stock price volatility variables and stock trading volume variables.

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