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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 20 Documents
 1   2 
Search results for , issue "Vol. 4 No. 4 (2025)" : 20 Documents clear
An Analysis of Factors Affecting Loan Distribution A Case of Loans For Retirees at PT Bank Mandiri Taspen in the Period of 2017-2021 Leticia, Geva; Vietha Devia SS
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.03

Abstract

Based on what is written in the Bank Mandiri Taspen 2020 Annual Report, Mandiri Taspen has strived to maintain sustainable growth and good performance even during the pandemic crisis. However, the improvement in the intermediation function of Mandiri Taspen's financial sector was not very strong, as evidenced by the credit contraction in January 2021. This research aims to determine the influence of Credit Interest Rates, Third Party Funds (DPK), and Return on Assets (ROA) on Credit Disbursement at PT. Bank Mandiri Taspen from 2017 to 2021. The data used in this study is quantitative data from secondary sources taken from Bank Mandiri Taspen's monthly financial reports. This research employs multiple linear regression analysis, classical assumption tests (Multicollinearity, Autocorrelation, Heteroskedasticity, and Normality), F-test, and T-test. Based on the regression results, the Credit Interest Rate does not have a negative and significant impact on credit disbursement, while the variables Third Party Funds (DPK) and Return on Assets (ROA) have a positive and significant impact on credit disbursement.
Comparative Analysis of Digital Banks’ Financial Performance Based on Profitability Ratios (A Case Study: Allo Bank and Bank Neo Commerce (BNC) in the 2021-2023 Period) Saswita Sianipar, Rica; Galuh, Ajeng Kartika
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.08

Abstract

The digital banking industry has become the center of attention in the era of ever-growing digitalization. In this context, financial performance analysis is crucial for understanding the effectiveness and sustainability of digital banks. This research aims to analyze and compare the economic performance of two leading digital banks in Indonesia, namely Allo Bank and Neo Commerce Bank, based on profitability ratios. By utilizing financial report data for the 2021-2023 period, this research uses a comparative descriptive analysis method to evaluate the economic performance of the two banks. Data analysis uses 2 different tests,  the Independent Sample Test and the Mann Whitney-Test using SPPS 21. The research results show that Net Profit Margin (NPM), Return On Assets, Return On Equity, and Return On Investment (ROI) are partially different. Significant between 2 digital banks Allo Bank and Bank Neo Commerce (BNC).
The Influence of Perceived Ease of Use, Security, and Trust on Generation Z's Decision to Use Bank Jago Salsabila Anggraeni; Muttaqin, Aminnullah Achmad
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.09

Abstract

The rapid growth of digital banking in Indonesia has reached Rp15.881.5 trillion in transactions during the first quarter of 2024, with Generation Z representing 60% of digital bank users. This study aims to analyze the influence of perceived ease of use, security, and trust on Generation Z's decision to use Bank Jago digital banking services. Using a quantitative approach with descriptive-explanatory design, data were collected from 130 Generation Z respondents who actively use Bank Jago services through online surveys. Principal Component Regression Analysis (PCRA) was employed to examine the relationships between variables. The results demonstrate that all three factors (perceived ease of use, security, and trust) positively and significantly influence Generation Z's decision to use Bank Jago services (t-value = 11.992, p < 0.001). Among these variables, perceived ease of use emerged as the strongest predictor, indicating that Generation Z prioritizes user-friendly interfaces and seamless digital experiences. The findings provide valuable insights for digital banking institutions to develop targeted strategies focusing on intuitive design while maintaining robust security measures to attract and retain.
The Effects of Premium, Claim, and Invesment Yield on the Earning of Islamic Insurance Companies for the 2023 – 2024 Period Febrian, Mohammad Rizky; Widiyanti, Dwi Retno
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.06

Abstract

This study aims to analyze the impact of premiums, claims, and investment returns on the profitability of Islamic insurance companies in Indonesia during the period 2023-2024. The method used is quantitative by utilizing secondary data taken from the financial statements of Islamic insurance companies registered with the Otoritas Jasa Keuangan (OJK). The analysis technique applied is panel data analysis, which combines cross-section and time series data. It is hoped that the results of this study can provide deeper insight into the factors that affect the profitability of Islamic insurance companies and provide practical implications for industry players and regulators in formulating more effective and efficient management strategies.
Determining Factors for Mobile Banking Usage Among KBMI 4 Banks: A UTAUT-3 MODEL Rihan, Raffi Syawallul; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.01

Abstract

Digital services and the latest innovations currently emphasize providing increasingly better banking services in line with technological advancements. This study aims to examine the factors driving the adoption of mobile banking and to explore the development of a more specific UTAUT-3 model to identify which factors banks need to improve in order to enhance their services based on users' perspectives. The results of the study, using Structural Equation Modeling (SEM), indicate that Hedonic Motivation, Habit, Facilitating Condition, and Personal Innovativeness are significant predictors influencing users' intention to use mobile banking. Meanwhile, Performance Expectancy, Effort Expectancy, Social Influence, and Price Value do not significantly affect users' intention. These findings can serve as considerations for policymakers in designing strategies to improve payment system services
Analysis of The Determinants of The Velocity of Money in ASEAN Countries for The Period 2013-2023 Amalia, Shafira Rosa; Girindra Mega Paksi
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.10

Abstract

This study aims to analyze the factors that influence the velocity of money circulation in ASEAN countries. The variables used are macroeconomic variables including economic growth, interest rates, inflation, and money supply. This study is quantitative and explanatory research using purposive sampling in ASEAN countries for the period 2013-2023. The analysis was carried out using panel data regression and classical assumption tests, including autocorrelation, multicollinearity, and heteroscedasticity tests. The results of the study show that economic growth and interest rates have a positive and significant effect on the velocity of money circulation. Meanwhile, inflation does not affect the velocity of money circulation, and the velocity of money circulation in Indonesia has a higher average than other ASEAN countries. This study recommends expanding the scope of data, regions, and research periods and considering other structural variables.
Analysis of Factors Influencing Fintech Service Adoption in Indonesia: A Study of DANA Digital Payment Service Maharani, Adellia Rose Maya; Dias Satria
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.02

Abstract

This study aims to analyze the factors influencing the adoption of DANA fintech services in Indonesia. A quantitative approach was applied, using an online questionnaire distributed to 385 respondents. Generation Y and Z are used ase one of the criteria for the dominant group of digital service users. Data were analyzed using (SEM-PLS). The independent variables tested include perceived ease of use, perceived usefulness, attitude, financial literacy, user innovativeness, and government support. The results show that perceived ease of use, perceived usefulness, attitude, financial literacy, and user innovativeness have a significant effect on DANA adoption. Government support has no significant influence. These findings provide insights for fintech developers and policymakers to enhance digital financial service adoption more effectively.
Analysis of the Influence of Banking Risk on Bank Financial Stability: A Case Study of KBMI 4 Banks Maulida, Rosa Arin; Munawar Ismail
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.04

Abstract

This study aims to analyze the effect of banking risks, consisting of Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR), as well as the control variables Inflation, BI Rate, and GDP, on the financial stability of banks in the KBMI 4 group during the period 2012–2023. The data used are secondary data obtained from the annual financial reports of each bank, analyzed using panel data regression. The results show that NPL, CAR, and the BI Rate have a significant effect on banking stability, while LDR, inflation, and GDP do not. These findings indicate that banking stability is more strongly influenced by internal bank factors than by macroeconomic indicators. The results of this study are expected to serve as a reference for bank management in strengthening risk management and maintaining financial system stability.
Investor Sentiment Toward Puma Stock Performance During the #Boycottpuma Campaign: A Case Study From Börsennews Lestari, Novri Ayu; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.07

Abstract

Political and ethical boycott movements increasingly influence investor sentiment in global financial markets. The #BoycottPuma campaign, targeting Puma’s ties to Israeli institutions, is a key example. This study aims to examine the impact of the campaign on investor sentiment toward Puma’s stock by analyzing user discussions on Börsennews using sentiment analysis and NLP techniques. Findings reveal that despite Puma’s stable financials, negative sentiment dominated due to reputational concerns.
The Effects of Fintech Companies on the Performance of Banks in Indonesia Al Hafidtz, Naufal Yosda; Satria, Dias
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.13

Abstract

In the development of information and communication technology in the financial sector, FinTech brings innovation in financial services based on digital technology. This study aims to analyze the impact of FinTech companies, bank-specific variables and macroeconomics on bank performance in Indonesia. This study covers banks listed on LQ45 during the period 2019 to 2023 using dynamic and static panel regression model using the Generalized Method of Moments (GMM) method. The results show that Fintech has a positive effect on ROA, ROE and NPL as bank indicators. INF has a positive effect on bank performance, while GDP has a negative effect on bank performance. CTI, DG, IIS and FC have a positive effect on bank performance. However, SIZE, CAP and LLP have a negative effect on bank performance. The results of this study can provide further insight into the relationship between FinTech and bank performance, as well as a consideration for the cooperation or adoption of FinTech in banking.

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