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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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An Analysis of the Influence of Financial Literacy and Financial Inclusion on the Decision to Use QRIS (Case Study on Brawijaya University Students) Pinem, Angie Aurea Gustika; Maski, Ghozali
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.2025.04.1.12

Abstract

In this rapid technological development era, students need to adapt to technology. Quick Response Code Indonesian Standard (QRIS) is a form of innovation in the payment system that has been recognized as effective. Financial literacy is a good provision in using financial inclusion optimally so that people can experience optimal benefits from using financial products, which in this case is QRIS. This research aims to examine the effect of financial literacy and financial inclusion on decisions to use QRIS. The data in this research uses primary data and was obtained by distributing questionnaires to 100 respondents. This research used quantitative analysis methods and was processed using the Smartpls 4.0 tool. The testing in this research used the Structural Equation Modeling analysis method with Partial Least Square (SEM-PLS) with results showing that financial literacy and financial inclusion had a positive and significant effect on the decision to use QRIS.
The Effects of CAR, LDR, NPL and OER on the Profitability of Digital Banks Listed on the Financial Services Authorities Elisa Fitri; Ajeng Kartika Galuh
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.2025.04.1.09

Abstract

This research was conducted with the aim of determining the influence and relationship of the financial ratios CAR, LDR, NPL, and OER on the profitability of digital banks registered with the Financial Services Authority for the period 2018-2023. There are 15 digital banks that constitute the population in this study. The purposive sampling method was used as the sampling technique, so the sample used in this study consists of 7 digital banks with the largest assets. The type of research used is associative quantitative research with descriptive statistical methods. In this study, secondary data were used, obtained through financial reports downloaded from the official websites of each bank. This study provides results that CAR, LDR, NPL, and OER simultaneously affect the profitability of digital banks, but in partial tests, CAR, LDR, and NPL do not affect profitability, while OER has a negative and significant impact on the profitability of digital banks.
The Effects of Digital Financial Literacy and Perceived Risks on the Decision to Use Digital Banks (A Case Study of Gen Z In Malang City) Simanjuntak, Lusiana Br; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.18

Abstract

The high public decision to use Digital Bank shows the public's acceptance of Digital Bank. Digital Banks are present to attract people's attention by offering interest rates that exceed the guarantee limit by LPS, so Digital Financial Literacy and Risk Perception are important before making a decision. This study aims to analyze how the influence of Digital Financial Literacy and Risk Perception on the Decision to Use Digital Banks among Gen Z in Malang City. This research is a survey-based quantitative method with primary data sources, namely questionnaires. Purposive sampling is a technique in sampling, where in this study, the Lemeshow formula was used so that 100 respondents were obtained. Binary Logistic Regression Analysis method is used in this study so that it is found that digital financial literacy has a positive effect on the decision to use digital banks and risk perception has a negative effect on the decision to use digital banks.
Correlation Between Global Stock Market And Cryptocurrency With Jci In Indonesia: A Time-Series Analysis Approach Agiel, Agiel Muhammad Azri; Dias Satria
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.07

Abstract

The ease of global investment by the WTO and the rise of world investment trends have begun to attract investors with the recovery period from the economic downfall due to Covid-19 and the Work From Home (WFH) trend which has made investment activities both in domestic, global and cryptocurrency stock markets increasingly in demand in recent years. This study aims to determine the relationship between the domestic stock market (JCI) or Indonesia from the global stock market (DJAI & Nikkei 225) and cryptocurrencies (Bitcoin and USDT) during 2018 to 2022, whether these variables have a correlation with each other. This research uses the Error Correction Model (ECM) method to process data. The findings obtained that DJAI and USDT have a correlation with JCI while Nikkei 225 has a significant correlation in the long term with JCI, but Bitcoin has no correlation with the JCI work path
The Influence of Internal and External Factors on the Composite Stock Price Index Antonius Nugroho Adi; Kaluge, David
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.10

Abstract

This study aims to analyze the effect of Fundamental Ratios consisting of Return on Equity (ROE), Price to Book Value (PBV), Total Asset Turnover (TATO), Return on Asset (ROA), Return on Investment (ROI), Net Profit Margin (NPM) Firm Size and external factors consisting of inflation, interest rates, exchange rates and coal prices on stock prices in Blue Chip issuers in the energy sector. This research methodology uses a quantitative approach through purposive sampling with 10 Blue Chip issuers in the energy sector in 2017-2022. The data collected will be processed with regression analysis method using tools (E-Views) to determine the extent to which the Fundamental Ratio, Firm Size, and Factors of the Blue Chip issuers in the energy sector in 2017-2022. Fundamental Ratios, Firm Size, and External Factors affect the Share Price Share Price. The results of this study indicate that Return on Equity and Price to Book Value, Return on Invested, Net Profit Margin, Interest Rates and Coal Prices have no effect on stock prices. Total Asset Turnover, Firm Size, Return on Asset, Inflation, and Exchange Rate have a significant effect on stock pric.
The Effects of Financial Inclusion on Non-Performing Bank Loans in Indonesian (The Period of 2013-2024) Ramadhany, Diwa Artha Ramadhany; Kaluge, David
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.06

Abstract

Financial inclusion in Indonesia has significantly increased, reaching 85.1% in 2022. However, only 51% of the population accesses formal financial services, with the majority of unbanked people engaged in the MSME sector. While MSMEs are the backbone of the economy, integrating unbanked people into the formal financial system may escalate credit risks reflected in Non-Performing Loans (NPL). This study analyzes the impact of financial inclusion on NPL across Indonesia's provinces from 2013 to 2024 using robust regression with Least Trimmed Squares (LTS) estimation to address outliers. The results show that financial service branch office (Access) and MSME credit (Usage) contribute positively to NPL. Macroeconomic factors such as GRDP and unemployment are also significant while inflation does not significantly affect NPL. This study provides insights to enhance financial literacy and manage credit risks, supporting sustainable financial inclusion growth.  
The Effects of the Growth of Peer-to-Peer (P2P) Lending Financial Technology Companies on the Performance of Conventional Liability Company Banks in Indonesia Ariyanti, Bertha Zalfitri; Munawar
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.01

Abstract

Previous research tends to show different results regarding the impact of fintech on banking performance. Therefore, the aim of this research is to examine the impact of fintech peer to peer (P2P) landing as a competitor on banking performance in Indonesia within the scope of conventional Persero banking. This research uses the ECM (Error Correction Model) regression test method where the research object used is conventional state-owned banks in Indonesia for the 2018-2022 period. The dependent variable is banking performance using ROA, LDR and BOPO, while the independent variable is peer to peer lending which uses the number of borrower accounts and loan amount, and there are control variables namely bank size (size) and CAP. The research results show that P2P Lending is not yet disruptive and cannot become competition that threatens the performance of state-owned banks in Indonesia.
Capital Adequacy Ratio, Third-Party Funds and Interest Rates Impact on Profitability Muhammad Ja'far Shiddiq; Fazaalloh, Al Muizzuddin
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.04

Abstract

The profitability of banks in the KBMI IV group, which dominates nearly half of Indonesia's banking assets, plays a crucial role in the stability and performance of the national financial system. This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Third-Party Funds (DPK), and Interest Rates on the profitability of KBMI IV banks in Indonesia using Return on Assets (ROA) as the profitability proxy. Employing a quantitative approach with panel data regression analysis from 2012 to 2022, the study used the Fixed Effect Model (FEM) as the optimal estimation technique. The findings show that CAR has no significant effect on ROA, DPK has a negative and significant effect, while Interest Rate positively and significantly affects ROA. Simultaneously, all three variables jointly influence profitability. These results suggest that having a large capital base or deposit fund alone is not sufficient to enhance bank performance unless accompanied by strategic allocation and efficient management. The implication is that banks need integrated financial strategies that balance risk, optimize capital use, and respond effectively to interest rate movements to ensure long-term profitability and financial resilience.
The Effects of The Fed’s Interest Rate, US Obligation Yield, DJIA, Inflation, Exchange Rate, and Stock Trading Volume on Idx Composite in Indonesia During the 2021-2024 Period Susanti, Ratna Puji; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.12

Abstract

The global economic crisis was triggered by an increase in global inflation due to the rise in demand for goods and an increase in commodity prices due to the geopolitical turmoil in Russia and Ukraine. It affects the macroeconomics of various countries, especially the United States which has a major influence on global markets by responding to changes in the American macroeconomy it affects the Indonesian macroeconomy and has an impact on the Indonesian capital market because Indonesia has a dependence on foreign capital flows. The purpose of this study is to determine how the influence of the Fed Interest Rate, Dow Jones Industrial Average (DJIA), US Bond Yield, Inflation, Exchange Rate, and stock trading volume on the IDX Composite in Indonesia. The research method in this study used multiple linear regression analysis. The findings of this study indicate that the Fed Interest Rate has a significant negative effect on the IDX Composite, US Bond Yield, DJIA, Inflation and Stock Trading Volume have a significant positive effect on the IDX Composite. However, the findings of the Exchange Rate do not affect the IDX Composite.
Analysis the Effects Maroprudential Policies Through Macroeconomic Variables on Housing Credit Growth Indrayanti, Shinta Hervi; Kornitasari, Yenny
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The increase in population without accompanied development and provision of affordable housing will become a major problem due to the unfulfilled need for housing. The increasing demand causes a surge in housing prices. With this problem, banks as intermediary institutions develop their activities by providing facilities to meet housing needs through Home Ownership Credit (KPR) products. This study aims to determine the effect of macroprudential policy through macroeconomic variables (JUB, IHPR, Inflation, and Economic Growth) on housing credit growth in Indonesia from 2005-2023. The method used is Multiple Linear Regression Analysis, with interest rates as a control variable. There is a need to control credit growth to prevent a surge in housing asset prices and maintain inflation to remain under control, thus creating financial system stability. The results of this study indicate that the first objective of macroprudential policy has a significant effect on credit growth. In addition, the second objective of the macroprudential policy through variables such as JUB, Inflation, Economic Growth, and Interest Rates has a significant effect on housing credit growth. Meanwhile, through the IHPR variable, it does not affect credit growth.

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