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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 262 Documents
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ANALISIS FLYPAPER EFFECT PADA PEMERINTAH KABUPATEN/KOTA BERDASAR KELOMPOK INDEKS PEMBERDAYAAN GENDER Maulana, Al Abidha Dinda; Maryunani
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.2.19

Abstract

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.
ANALISIS FAKTOR YANG MEMPENGARUHI SUKU BUNGA KREDIT INVESTASI DI INDONESIA Syahputra, Reisnanda Afkary; Santoso, Dwi Budi
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.2.20

Abstract

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.
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
PENGARUH EFISIENSI PASAR SAHAM TERHADAP KEPUTUSAN TRANSAKSI SAHAM: PENDEKATAN CAPITAL ASSET PRICING MODEL Asadyawan Putra; Agus Suman
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.3.14

Abstract

This research journal explains the effect of stock market efficiency as an observation in investors' decisions to carry out IPO transactions for PT issuers. GOTO Gojek Tokopedia LockUp and Post LockUp period. The research begins in April 2022 to August 2023, using the concept of the Capital Asset Pricing Models approach which consists of calculating Company Beta (β), Risk Free Rate, and Risk Premium. The data used is in panel form with secondary characteristics originating from PT IPO price data. GOTO, historical stock prices, historical IHSG data, and BI-7DRR. This journal obtained two results, first, stock return (Ri) had a significant positive effect on expected return in the LockUp period, but stock return (Ri) had a significant negative effect on expected return in the Post LockUp period. It can be concluded that investors have greater return expectations during the LockUp period. Second, the Post LockUp period reversed to the LockUp period, where stock returns had a positive value, while expected returns had a negative value.
PENGARUH VARIABEL MAKROEKONOMI TERHADAP DANA PIHAK KETIGA PADA BANK KONVENSIONAL DI INDONESIA Prisilla, Nadila; Munawar
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.3.18

Abstract

This study aims to determine the effect of macroeconomic variables on the collection of third party funds at conventional banks in Indonesia. The data used is monthly time series data from January 2017 to December 2022. The method used in this study is the Vector Autoregression (VAR)/Vector Error Correction Model (VECM) method. However, in choosing between the two methods, stationarity test must be done first. The variables used include inflation, BI rate, crude oil price, and gold price. The results of the study show that the inflation variable has a positive influence, while the BI rate, crude oil price, and gold price variables have a negative influence on third party funds of conventional banks in Indonesia. This research is expected to be applied to banking policy makers with the aim of being insightful to be able to adjust policies when there is instability in macroeconomic variables and for economic policy regulators in determining policies that can stabilize the banking system. In addition, it is used as knowledge for customers to make better decisions regarding investment portfolios with the aim of identifying risks based on macroeconomic conditions.
ANALISIS PENGARUH DAMPAK MAKROEKONOMI, KEBIJAKAN PEMERINTAH, DAN KINERJA PERUSAHAAN TERHADAP RETURN SAHAM SEKTOR INFRASTRUKTUR Achmad Usman Maulana; David Kaluge
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.3.17

Abstract

Infrastructure sector stocks experienced a stable and upward trend, even sharply at the end of quarter 2023. In line with the government budget in infrastructure development that continues to increase, supported by the increase in this sector, one of which will contribute to increasing economic growth in Indonesia, therefore the purpose of this research is to analyze the effect of macroeconomic impacts, government policies, and company performance on infrastructure sector stock returns. Inferential quantitative research with panel data regression analysis techniques is included in this research. With purposive sample method, ten companies were selected, out of 62 companies in the whole population. The type of secondary data is quarterly for the period 2016-2022. The implications of this research as material for investors to invest. Common Effect Model (CEM) is the selected model, the findings prove that partially interest rates, capital expenditures, CR, TATO, ROE, PER, DER, ROA, EPS, NPM, DPR, and DPS have no effect on stock returns. PBV has a significant positive effect on stock returns. Exchange rate, inflation, and DY variables have a significant negative effect on stock returns. Simultaneously, exchange rate, inflation, interest rate, capital expenditure, CR, TATO, ROE, PER, DER, ROA, EPS, PBV, NPM, DPR, DPS, and DY all affect stock returns.
ANALISIS PENGARUH VARIABEL FUNDAMENTAL TERHADAP HARGA SAHAM SEKTOR INFRASTRUKTUR DAN SEKTOR ENERGI Salsabil, Yafie Irsyad; Vietha Devia
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.3.19

Abstract

The aim of this research is to provide evidence regarding the influence of fundamental factors, namely: Return on Equity, Debt to Equity Ratio, Current Ratio, Total Assets Turn Over, and Earning Per Share on stock prices both partially and simultaneously. This research was conducted on 6 infrastructure sector and energy sector companies listed on the Indonesia Stock Exchange in 2019-2023. The sampling technique is through the purposive sampling method. The statistical test tool used is a panel data regression model with partial t test output and simultaneous f test. The results of this research partially show that Debt to Equity Ratio and Earning Per Share have a significant effect on stock prices, while Return on Equity, Current Ratio and Total Assets Turn Over do not have a significant effect on stock prices. In simultaneous testing, all variables studied including Return on Equity, Debt to Equity Ratio, Current Ratio, Total Assets Turn Over, Earning Per Share have a significant effect on stock prices.  
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.

Page 18 of 27 | Total Record : 262

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