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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 262 Documents
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PENGARUH FAKTOR SPESIFIK BANK TERHADAP RISIKO KREDIT PERBANKAN PADA MASA PANDEMI COVID-19 Amani Alhaura, Annisa; Al Muizzuddin Fazaalloh
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.08

Abstract

The impact of the spread of the Covid-19 virus has affected the Indonesian banking sector, one of which is increasing credit risk. Therefore, this study aims to determine the effect of Income Diversification (DIV), Capital Adequacy Ratio (CAR), BOPO and Bank Size (SIZE) on Credit Risk (NPL) during the Covid-19 pandemic. The method of data analysis in this study uses the panel data regression method. The subjects in this study are banks that are included in the KBMI 4 category. The research data is sourced from the quarterly published reports of each bank from 2020:1 to 2022:3. The results of this study indicate that all independent variables can explain the dependent variable by 75.86% while the rest are influenced by other variables. Partially, income diversification has a negative effect on NPL. Capital Adequacy Ratio (CAR), and BOPO have a positive effect on NPL. Meanwhile bank size (SIZE) has no effect on NPL.
PENGARUH STOCK SPLIT TERHADAP ABNORMAL RETURN & LIKUIDITAS SAHAM BLUE CHIP Pasaribu, Dedy Than
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.12

Abstract

Stock split is a corporate action intended to raise stock liquidity. When stock prices are high, the shares become inaccessible to all capital market investors. The impact of stock splits on abnormal returns and stock liquidity should be re-evaluated due to the discrepancies in prior studies. This research evaluates the influence of stock splits on liquidity and abnormal stock returns. This research utilized a sample of 27 blue-chip companies listed on the IDX that underwent stock splits from 2010 to 2022. Blue chip stocks are often the market leaders for each sector and subsector of stocks in the capital market. Variations in blue chip stocks can certainly have an impact on other common stocks in each sector and subsector. The Wilcoxon signed-rank test was used to assess differences. The study period spanned ten days, with five days before and five days after the stock split. This research discovered disparities in the abnormal returns and liquidity of the company shares that were part of blue-chip stocks before and after the stock split. This conclusion is based on the assumption that the abnormal returns and liquidity of stocks were consistent throughout the observation period (ceteris paribus).
PENGARUH PERKEMBANGAN DAN KINERJA BANK DIGITAL TERHADAP KEPUTUSAN BERINVESTASI PADA SAHAM BANK DIGITAL Ayu, Tiara Ardia Sekar; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.05

Abstract

The objective of this research is to identify the partial effects of digital banks’ growth and performance, which are proxied by Return on Assets (ROA), market capitalization, firm age, and firm issue, on the decision to invest in digital banks’ stock. This study uses the quantitative approach to identify the effects of the independent variables, i.e., Return on Asset (X1), market capitalization (X2), firm age (X3), and firm issue (X4), on the dependent variable, i.e., the decision to investin digital banks’ stock (Y). the research samples are five digital bank companies listed in the Indonesia Stock Exchange during the 2017-2021 period. the hypothesis testing was conducted using multiple linear regression analysis on the panel data. This research finds that Return on Assets (ROA), market capitalization, and firm issue do not influence the decision to invest in digital banks’ stock and that firm age positively and significantly affects the said decision. This study suggests the digital banks to enhance the effectiveness and efficiency of their managerial processes in order to increase the returns from investments made in them, which in the end can increase their performance.
ANALISIS KEPUTUSAN BERINVESTASI DI UMKM MELALUI SECURITIES CROWDFUNDING: PENDEKATAN THEORY OF PLANNED BEHAVIOR Muhammad Adil
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.10

Abstract

Since its introduction in 2018, Securities Crowdfunding (SCF) has experienced annual growth in terms of organizers, issuers, investors, and the amount of funds raised. However, starting in 2021, there has been a decrease in the growth rate, indicating a slowing market in crowdfunding investments. This study aims to analyze the influence of Attitude, Subjective Norm, and Financial Efficacy on Intention and Investment Decision in SCF by collecting data from 100 respondents who have already invested or plan to invest in SMEs through SCF, gathered through a Google Forms survey. The measurement of these variables will be analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) research method. The results of the study indicate that Attitude and Subjective Norm have a positive correlation with investment intention, while investment intention has a positive correlation with investment decisions in SMEs through SCF. However, Financial Efficacy has a negative correlation with investment intention in SMEs through SCF. The findings of this study indicate that intention is a factor influencing investment decisions in SMEs through SCF, as indicated by the positive correlation. Attitude and Subjective Norm have a positive correlation that forms Intention. Meanwhile, Financial Efficacy has a negative correlation with Intention, indicating that Financial Efficacy does not provide strong evidence in shaping the intention to invest in SMEs through SCF. The implications of these findings are to provide understanding to investors and SCF platforms regarding the factors influencing investment decisions in SMEs through SCF. This research can also serve as a basis for the development of literature on SCF and provide recommendations to the government and SCF platforms to enhance investor participation in investing in SMEs through SCF.
PENGARUH KINERJA KEUANGAN, KEBIJAKAN MONETER DAN PANDEMI PADA PEMBIAYAAN UMKM BANK UMUM Al Wafi, Ali Daffa; Hascayani, Tyas Danarti
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.2.12

Abstract

MSMEs, one of the crucial sectors of the economy in Indonesia, are experiencing a downturn due to a decrease in the financing needed to deal with a pandemic. This research aims to find the relationship between banking financial performance, monetary policy, and the pandemic on MSME financing. Financial performance is described using the ratio of return on assets, operating expenses to operating income, and third-party funds while monetary policy uses BIrate as the variable and then for a pandemic uses a dummy variable starting from the date the pandemic status was established in Indonesia. The research method used is the multiple regression method with monthly time series data types from January 2018 to April 2022. This research shows results in the form of bank financial performance which strongly influences MSME financing. However, the pandemic did not have much impact on MSME financing, this could happen due to the resilience of MSMEs. As for the BIrate, it shows an anomaly where the decrease in the BIrate is followed by a reduction in MSME financing.
DAMPAK KEBIJAKAN MONETER PEMULIHAN EKONOMI NASIONAL TERHADAP KINERJA PERBANKAN DI INDONESIA Candra Asih, Putri Galuh; Syafitri, Wildan
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.2.05

Abstract

This study aims to describe how the monetary policy of national economic recovery affects the performance of banks that mediate the running of that policy. This research data uses secondary data in the form of a combination of crossection and time series data also limited by the research time starting from the first quarter of 2020 to the fourth quarter of 2022. The data taken are ROA, BI-7DRR, lending, and credit restructuring. The analysis method used is panel data regression where the model used is random effect. The findings of this study indicate that the monetary policy of national economic recovery is effective in minimizing the impact of COVID-19 on banking performance. After this policy is implemented, changes in the value of lending, credit restructuring, and BI-7DRR minimize the decline in bank profitability in the face of the COVID-19 pandemic. However, when viewed individually, the BI-7DRR instrument shows a negative influence on bank profitability where the decline in BI-7DRR makes bank profitability increase.
ANALISIS PENGARUH LAYANAN I-BANKING, M-BANKING, DAN FASILITAS ATM TERHADAP KEPUASAN NASABAH (STUDI KASUS NASABAH BANK BTN KCP TULUNGAGUNG) Eryaningtyas, Nadia Salsabela; Fitanto, Bahtiar
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.2.08

Abstract

The pattern of human’s behavior in using electronic services to acquire various kinds of information is affected by the rapid technological advancement. This is beneficial for, particularly banking, industries, as evidenced by the fact that banks nowadays come up with cutting-edge services such as internet banking and mobile banking. The sample of this quantitative descriptive research was selected using non-probability sampling, while the data was examined using factor analysis in SPSS version 15.0 of 2023. The result of the F test (simultaneous) is 56.554, which is greater than the F table of 2.699, and therefore H0 is rejected, and H1 is accepted. As the significance value of 0.000 is smaller than 0.05, internet banking, mobile banking, and ATM facilities simultaneously have a significant effect on the satisfaction of customers at the sub-branch office of Bank BTN in Tulungagung. Despite the positive and significant effect of the three variables, mobile banking is more preferable for some customer groups. In addition to its practicality, the service is helpful when they are in a difficult condition. In the future, the bank will develop a service where facilities in the internet banking will be integrated into its mobile banking application for greater customer benefit and ease
ANALISIS PERILAKU HERDING PADA SAHAM SEKTOR BANK DIGITAL YANG TERDAFTAR DI BEI PERIODE 2021 Priscillia, Anita; Vietha Devia SS
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.01

Abstract

This research was conducted to detect and identify herding behavior that might occur in digital bank sector stocks in the 2021 period. The 2021 period is used for the market when market conditions are stressful and high returns. The approach method of Chang et al. (2000), namely CSAD-Cross Sectional Absolute Deviation to calculate return dispersion values ​​and use quantile regression analysis to detect herding behavior. The data used is secondary data, in the form of monthly stock return data and market returns for digital bank stocks. The results of this study indicate that digital bank stocks in 2021 have no indication of herding behavior. This means that Indonesian investors acted rationally during the COVID-19 pandemic.
PENGARUH LAYANAN DIGITAL PERBANKAN,TINGKAT KOMPETISI, DAN EFISIENSI TERHADAP PROFITABILITAS PERBANKAN Ayu Panrita Ramadhanty
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.14

Abstract

This study aims to find out how mobile banking, internet banking, the level of competition, and efficiency affect banking profitability based on the fluctuation of ROA in 2015-2021 and the increase in the number of digital banking service transactions in 205-2021. This study uses panel data regression to see the effect of the independent variables on the dependent variable. The dependent variable in this study is Return on Assets (ROA), with independent variables Mobile Banking (X1), Internet Banking (X2), Competition (X3) which is proxied by the Lerner index, and Efficiency (X4). This research shows that there is a positive impact on Competition (X3) and a negative impact on Efficiency (X4) on ROA (Y), and the Mobile Banking (X1) and Internet Banking (X2) variables have no impact on ROA(Y).
DETERMINAN NPL BANK UMUM DI INDONESIA ERA PANDEMI COVID-19 Tandiari, Salsabila Putri
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.3.04

Abstract

During the Covid-19 pandemic, the NPL level for commercial banks in Indonesia has shown an increasing trend for two years. This indicates that defaults by debtors during the Covid-19 pandemic are increasing considering The number of individuals who have experienced job loss and the decreased income earned by companies. Therefore, the objective of this study is to examine the impact of inflation, interest rates, NIM, LDR and Covid-19 Pandemic on NPLs of commercial banks in Indonesia during 2017-2022. The panel data regression method is employed in this research with the research sample consisting of 4 state-owned commercial banks. The results of the study stated that inflation, interest rates and NIM had a significant negative effect on NPL, while LDR and the Covid-19 Pandemic had a significant positive effect on NPL.

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