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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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KAJIAN KUALITATIF PERILAKU PEMBAYARAN ONLINE PADA GENERASI Z DI KOTA MALANG Farahdisya, Naffisa Nur Zahra; Khusnul Ashar
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.2024.03.4.18

Abstract

This study was conducted to determine the opinions of the Z generation community regarding the existence of online payments, to determine the effectiveness, satisfaction, and shortcomings felt when using online payments. Through a phenomenology qualitative approach and content analysis method, this study was conducted by interviewing 10 people who are included in the Z generation group in Malang City. The results of the study showed that the majority of informants gave a positive response to the existence of online payments. With online payments, they feel helped and at the same time make it easier when making transactions. Payments when using online payments are much faster and feel more effective when compared to payments using money. However, the results of interviews with informants also found negative experiences felt when using online payments, such as sudden loss of balance, failed transactions, and errors in online payment applications. The effectiveness of online payments will be felt when transactions run properly, supported by cashless services that are available anywhere and a stable internet network. However, the use of online payments still has disadvantages, such as admin fees that can be burdensome and application features that are sometimes unclear.
ANALISIS IMPLEMENTASI KEUANGAN BERKELANJUTAN TERHADAP PROFITABILITAS BANK Fourinda, Nilna Elminah; Nurman Setiawan Fadjar
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.2024.03.3.12

Abstract

In practice, banks must maintain business continuity by paying attention to their profitability. However, in response to global issues related to sustainable development goals, banks are also obliged to direct their business towards sustainability by implementing sustainable finance. This study aims to further analyze how the implementation of sustainable finance, particularly sustainable lending and the realization of Environmental Social Responsibility (CSR) funds, can affect bank profitability. Economic sustainability theory emphasizes the importance of balance between economic, social, and environmental aspects. This study uses the panel data regression analysis method. The implementation of sustainable finance proxied by sustainable credit has a significant positive effect on bank profitability, while the realization of CSR funds has a significant negative effect on bank profitability. This research is expected to provide a more comprehensive insight into how banks can balance social responsibility and environmental sustainability with the need to maintain healthy profitability.
Analysis of the Influence of Profitability Ratio on the Capital Structure of Bank Central Asia Tbk (2009-2020) Hamdana, Alief Afriya Gardha; Faishal Fadli
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.19

Abstract

This study discusses financial performance as an indicator of a bank's success. Important factors in assessing profitability include skills, resources, and the company's capital structure. Bank Central Asia (BCA), a leading bank in Indonesia, was chosen as the focus of the study. This research examines the influence of profitability ratios, such as ROA and ROE on the capital structure through DER from 2009 to 2020. The study employs the theory of capital structure, which is used to understand the use of debt and equity in maximizing a company's value. To understand the correlation between variables, the vector error correction model method was selected to comprehend the long-term and short-term relationships among time series variables.   Abstrak Penelitian ini membahas kinerja keuangan sebagai indikator keberhasilan bank. Faktor penting dalam menilai profitabilitas adalah keterampilan, sumber daya, dan struktur modal perusahaan. Bank Central Asia (BCA), bank terkemuka di Indonesia, dipilih sebagai fokus penelitian. Penelitian ini melihat pengaruh rasio profitabilitas melalui ROA dan ROE dengan struktur modal melalui DER sejak tahun 2009 hingga 2020. Penelitian ini menggunakan teori modal sendiri di mana teori ini digunakan untuk memahami penggunaan utang dan ekuitas dalam memaksimalkan nilai perusahaan. Dalam mengetahui korelasi antar variabel dipilihnya metide model koreksi error vektor yang ditujukan untuk memahami hubungan jangka panjang dan pendek antar variabel waktu.
Factors Influencing Generation Z's Intention to Invest in The Capital Market Muhammad Klana; Muttaqin, Aminnullah Achmad
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.07

Abstract

The increase in the number of capital market investors from year to year is dominated by generation Z. The number of generation Z is more than 50% of the total number of capital market investors. This study aims to identify the factors that influence the interest of generation Z in Malang City in investing in the capital market. This research is an exploratory quantitative research with survey method through online questionnaire then using Exploratory Factor Analysis (EFA) for data analysis. The results showed that there are 6 (six) factors that cause students' interest in investing in the capital market, including social media influence factors, investment motivation factors, investment capital factors, investment convenience factors, investment risk factors, and investment return factors. The six factors as a whole have variance that can explain the factors that cause generation Z's interest in Malang City to invest in the Capital Market with a total variance of 67.066%. While the remaining 32.934% is caused by other variables not included in the study.   Abstrak Peningkatan jumlah investor pasar modal dari tahun ke tahun didominasi oleh generasi Z. Jumlah generasi Z lebih dari 50% dari total jumlah investor pasar modal. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi minat generasi Z di Kota Malang dalam berinvestasi di pasar modal. Penelitian ini merupakan penelitian kuantitatif eksploratori dengan metode survei melalui kuesioner online kemudian menggunakan Eksploratory Factor Analysis (EFA) untuk analisis data. Hasil penelitian menunjukkan bahwa terdapat 6 (enam) faktor yang menyebabkan minat mahasiswa dalam berinvestasi di pasar modal meliputi faktor pengaruh media sosial, faktor motivasi investasi, faktor modal investasi, faktor kemudahan investasi, faktor risiko investasi, dan faktor return investasi. Keenam faktor tersebut secara keseluruhan mempunyai variansi yang dapat menjelaskan faktor-faktor penyebab minat generasi Z di Kota Malang untuk berinvestasi di Pasar Modal dengan total variansi 67,066%. Sedangkan sisanya sebesar 32,934% disebabkan oleh variabel lain yang tidak termasuk dalam penelitian.
The Effects of Credit Risk, Liquidity Risk, And Capital on Profitability in State-Owned Bank Association with Credit Restructuring as The Moderator Aghata Christy Cahya Widhi Andini; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.05

Abstract

Credit restructuring is an important things for managing credit risk and improving bank financial stability. However, the effect on profitability varies depending on the context and how this process affects credit risk, liquidity risk, and capital adequacy. This research aims to determine how the new policy of Indonesian Financial Accounting Standard 71 (PSAK 71) which regulates Allowance for Impairment Losses (CKPN) helps in supporting optimal credit restructuring, so that the variables analyzed include NPL, LDR, and CAR which affect ROA with credit restructuring as a moderation. The data analysis technique used is Moderated Regression Analysis (MRA). The data used is secondary data from Himbara's financial reports covering data from 2016 to 2023 on a quarterly basis. The research results found that partially NPL and CAR had an effect on ROA while LDR had no effect on ROA. While credit restructuring weakens the influence of NPL and CAR on ROA, credit restructuring strengthens the influence of LDR on ROA. In this research, credit restructuring acts as a pure moderator.   Abstrak Restrukturisasi kredit adalah alat penting untuk mengelola risiko kredit dan meningkatkan stabilitas keuangan bank. Namun, efeknya terhadap profitabilitas bervariasi tergantung pada konteks dan bagaimana proses ini mempengaruhi resiko kredit, resiko likuiditas, dan kecukupan modal. Penelitian ini bertujuan untuk mengetahui bagaimana kebijakan baru Standar Akuntansi Keuangan Indonesia 71 (PSAK 71) yang mengatur tentang Cadangan Kerugian Penurunan Nilai (CKPN) membantu dalam mendukung restrukturisasi kredit yang optimal, sehingga variabel yang dianalisis meliputi NPL, LDR, dan CAR yang mempengaruhi ROA dengan restrukturisasi kredit sebagai moderasi. Teknik analisis data yang digunakan adalah Moderated Regression Analysis (MRA). Data yang digunakan adalah data sekunder laporan keuangan Himbara mencakup data dari tahun 2016 hingga 2023 secara triwulan. Hasil penelitian menemukan bahwa secara parsial NPL dan CAR berpengaruh terhadap ROA sedangkan LDR tidak berpengaruh terhadap ROA. Serta restrukturisasi kredit memperlemah pengaruh NPL dan CAR terhadap ROA, namun restrukturisasi kredit memperkuat pengaruh LDR terhadap ROA. Dalam penelitian ini restrukturisasi kredit berperan sebagai moderator murni.
The Effects of Mobile Banking Service Quality on The Satisfaction of The Customers of Bank Central Asia (BCA) Nuraini, Karina Ayu; Ashar, Khusnul
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.16

Abstract

The rapid advancement of technology creates the need for agencies to increase innovation in accordance with the needs of the times. One of the innovations made by banks is by launching mobile banking applications. With mobile banking, it is expected to increase customer satisfaction. This study aims to analyze the effect of mobile banking service quality on the satisfaction of the customer of Bank Central Asia (BCA). Mobile banking service quality is measured through four variables, namely speed (X1), security (X2), accuracy (X3) and trust (X4). The theory used in this research is the Technology Acceptance Model (TAM) theory. The results showed that two variables of mobile banking service quality, namely accuracy and trust, had a positive effect on BCA bank customer satisfaction. This indicates that customers highly value the accuracy of information and transactions, and have high trust in BCA bank mobile banking services, which will increase customer satisfaction.
Analysis of the Effects of Internal and External Factors on Bank Profitability: Comparison of State-Owned Banks and Regional Development Banks (BPD) ASIFAH, NIRA; KRESNA SAKTI, RACHMAD
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.18

Abstract

This study aims to determine the effect of several internal variables (NPL, LDR, & Operation Cost Ratio to Operating Income) and external variables (GDP/GRDP) on the profitability of state-owned banks (BUMN) and Regional Development Bank (BPD) by looking at the ROA value for the period 2011 - 2020. In addition to looking at the effect of these independent variables, a comparison of the two government-owned banks was also carried out. The analysis method used is panel data model regression analysis. The approach used in this study is a type of associative and comparative quantitative approach. This study is compiled based on data in the form of figures from the financial statements of state-owned banks (BUMN) and Regional Development Banks (BPD), so that it is said to be quantitative research. This study shows that the independent variables have different effects on profitability (ROA) between state-owned banks (BUMN) and Regional Development Banks (BPD). This difference is because the two types of banks have different characteristics, including the amount of asset value owned and market reach or operational area which will affect customer diversity.
The Effects of Profitability, Liquidity, Leverage, and Firm Size on Dividend Policy in Financial Companies in the Sub-Sector of Banking in the Indonesia Stock Exchange During the 2018-2022 Period Sitinjak, Rizky; Hascaryani , Tyas Danarti
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.03

Abstract

Dividend policy is a decision made by company management regarding the amount of profits that will be given to shareholders. Each company's dividend policy varies according to the company's financial condition, company management can distribute dividends or not provide dividends or retain profits. The aim of this research is to test and analyze the variables profitability, liquidity, leverage, and company size on dividend policy in financial companies in the banking subsector during 2018-2022. This research uses quantitative research and the data used in this research is secondary data. The sample in this study consisted of 11 companies. The analytical method used in this research is multiple regression analysis using panel data via Stata software. The results of this study indicate that profitability ratios, proxied by Return on Equity (ROE), and liquidity, proxied by the Current Ratio (CR), do not affect dividend policy. Leverage, proxied by the Debt to Equity Ratio (DER), has a negative effect, while company size, proxied by the natural logarithm of total assets, has a positive effect on dividend policy.   Abstrak Tujuan penelitian ini adalah untuk menguji dan menganalisis variabel profitabilitas, likuiditas, leverage, dan ukuran perusahaan terhadap kebijakan dividen pada perusahaan keuangan subsektor perbankan selama tahun 2018-2022. Penelitian ini menggunakan penelitian kuantitatif dan data yang digunakan dalam penelitian ini yaitu data sekunder. Sampel pada penelitian ini berjumlah 11 perusahaan. Metode analisis yang digunakan pada penelitian ini adalah analisis regresi berganda dengan menggunakan data panel melalui software Stata. Hasil penelitian ini menunjukkan bahwa rasio profitabilitas yang diproksikan dengan Return on Equity (ROE), likuiditas yang diproksikan dengan Current Ratio (CR) tidak berpengaruh terhadap kebijakan dividen. leverage yang diproksikan dengan Debt to Equity (DER) berpengaruh negatif, serta ukuran perusahaan yang diproksikan dengan logaritma natural total aset berpengaruh positif terhadap kebijakan dividen.
The Effects of Interest Income, Fee-Based Income And E-Banking Transactions on Earnings Changes at Bank Jatim Salsabiela Istikmal; Wahyudi, Setyo Tri
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.08

Abstract

One of the measures of a company's performance is the change in profit. Banks as a type of organisation whose orientation is profit, in order to increase the amount of profit, they need to increase their income. This study aims to analyse the effect of interest income, fee income and e-banking transactions on the change of profit in Bank Jatim. The multiple linear regression analysis method is used to trace the relationship between the independent variables and the dependent variable using quarterly time series data for the period 2012-2023.  The results of the analysis show that the variables of interest income and e-banking transactions do not affect earnings changes, while the variable of fee-based income shows an influence on earningsearnings changes. At the same time, the independent variables have an impact on the dependent variable, as the F-test shows that the significance value is 0.000049, which is greater than the value α = 0.05.   Abstrak Salah satu tolak ukur penilaian kinerja suatu perusahaan ialah pada perubahan laba. Bank sebagai jenis organisasi yang orientasinya adalah profit, untuk menaikkan jumlah laba, mereka harus menaikkan pendapatannya. Penelitian ini bertujuan untuk menganalisis pengaruh interest income, fee-based income, dan transaksi e-banking terhadap perubahan laba pada bank jatim. Metode analisis regresi linier berganda digunakan untuk menelusuri hubungan antara variabel-variabel bebas terhadap variabel terikat dengan menggunakan data time series triwulanan periode 2012-2023.  Hasil analisis menunjukkan bahwa variabel interest income dan transaksi e-banking tidak mempengaruhi perubahan laba, sedangkan variabel fee-based income menunjukkan adanya pengaruh pada perubahan laba. Variabel-variabel bebas secara bersamaan memberikan pengaruh terhadap variabel terikat karena berdasarkan uji F dinyatakan bahwa nilai signifikansi berada pada angka 0,000049 dimana lebih besar dari nilai α = 0,05.
The Effect of Fundamental Factors on The Stock Prices of Digital Banks in Indonesia Ananta, Damar; Wulandari Pangestuty, Farah
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.15

Abstract

The share price of Indonesia's digital banks declined and even stagnated in 2023 because their fundamentals were not as competitive as those of large banking companies. Investors eventually chose to sell these shares and prefer to invest in companies with more attractive fundamentals. The purpose of this research is to study how return on assets (ROA), return on equity (ROE), earning per share (EPS), price book value (PBV), and debt equity ratio (DER) impact the stock prices of several digital bank companies listed on the Indonesia Stock Exchange from 2021 to 2023. This study uses a quantitative approach and panel data regression analysis as the analysis method used in this study. The results of the analysis show that return on assets and debt equity ratio have no influence and are significant to the stock price of digital banks, while earning per share, and price book value have a positive and significant influence on the stock price of digital banks. In addition, the variable return on equity has no influence and is insignificant to the stock price of digital banks. All variables used in this study have a simultaneous influence on the share price of digital banks.   Abstrak Harga saham bank digital Indonesia mengalami penurunan bahkan stagnan pada tahun 2023 karena fundamentalnya yang tidak kompetitif dibandingkan perusahaan perbankan besar. Investor akhirnya memilih menjual saham tersebut dan lebih memilih berinvestasi pada perusahaan yang fundamentalnya lebih menarik. Tujuan dari penelitian ini adalah untuk mempelajari bagaimana return on assets (ROA), return on equity (ROE), earnings per share (EPS), price book value (PBV), dan debt equity ratio (DER) berdampak terhadap harga saham beberapa perusahaan. perusahaan bank digital yang terdaftar di Bursa Efek Indonesia pada tahun 2021 hingga 2023. Penelitian ini menggunakan pendekatan kuantitatif dan analisis regresi data panel sebagai metode analisis yang digunakan dalam penelitian ini. Hasil analisis menunjukkan bahwa Return on Assets dan Debt Equity Ratio tidak mempunyai pengaruh dan signifikan terhadap harga saham bank digital, sedangkan Earning Per Share dan Price Book Value mempunyai pengaruh positif dan signifikan terhadap harga saham bank digital.  Selain itu, variabel return on equity tidak mempunyai pengaruh dan tidak signifikan terhadap harga saham bank digital. Seluruh variabel yang digunakan dalam penelitian ini mempunyai pengaruh secara simultan terhadap harga saham bank digital.

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