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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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The Impact of NPL and LLP on Profitability of Digital and Conventional Banks Ronauli, Amelia Akiko; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Profitability is the most important aspect of conventional and digital banks in Indonesia. This has also been emphasized and expected by regulators so that banking profitability in Indonesia continues to increase. In addition, NPL and LLP as part of credit risk in conventional and digital banks in Indonesia experienced fluctuating trends and tended to increase in the previous few years, so this could affect the profitability of each bank. The study continued with the aim of re-identifying the effect of NPL and LLP on the profitability of digital banks and conventional banks in Indonesia using the panel data regression estimation method. Researchers used digital banks and conventional banks in Indonesia according to predetermined criteria. The results found that, NPL and LLP in conventional banks were found to have a significant negative impact on profitability. While in digital banks in Indonesia, NPL was found to have no impact on profitability and LLP had a significant negative impact. Thus, these findings are expected to help the banking industry and other regulators in evaluating and making policies related to increasing profitability in the Indonesian banking industry.
The Effect of Qris Implementation in Digital Banking Service on Bank Probality Indonesia Ahmad Kamal Assarif; Bintoro, Nugroho Suryo
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Research objectives for determine the effect of Qris implementation on Digital Banking services on banking profitability in Indonesia, taking into account BOPO, M-Banking, and Fee Based Income as independent variables. The method used is panel data regression with secondary data obtained from bank annual reports during the 2020-2023 period and BI statistical data. This study found that the variables Qris, BOPO, M-Banking have a negative and significant influence on bank profitability. Meanwhile, the fee-based income variable has a positive but insignificant effect on bank profitability. However, when tested together, the variables Qris, BOPO, M-Banking. Fee Based Income has a positive and significant influence on bank profitability (ROA).
Determination of Bank Financial Stability in Indonesia: An Analysis of Liquidity Creation, Profitability, and Credit Risk Sukarianto, Nanda Arifah; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The resilience of the banking system is a fundamental prerequisite for maintaining financial system stability, especially amid increasing global pressures in the wake of the pandemic and geopolitical conflicts. This study aims to examine the factors influencing bank financial stability in Indonesia, highlighting the roles of liquidity creation (LC), profitability measured by return on equity (ROE), and credit risk, proxied by the non-performing loan (NPL) ratio. Bank financial stability in this study is measured using the Z-Score, based on quarterly panel data from four KBMI IV banks from 2020 to 2024. The analysis method used is panel data regression with a fixed-effects model approach. The results of the analysis indicate that ROE has a significant positive impact on stability, while LC and NPL have a significant negative impact. These findings confirm that increased liquidity creation without adequate risk management has the potential to cause financial instability. This study contributes to post-crisis empirical literature and offers policy recommendations to strengthen the resilience of the national banking sector.
The Influence of P2P, TPF and Size on the Profitability of Rural Banks Rizki Amelia Cahyaningrum; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Rural Banks play a vital role in supporting the Indonesian economy by providing credit to MSMEs and rural communities. However, the emergence of financial technology, particularly peer-to-peer (P2P) lending, presents challenges to the profitability and competitiveness of BPRs. This study aims to analyze the impact of P2P lending loan volume, Third Party Funds (DPK), and bank size on the profitability of Rural Banks, as measured by net income, during the 2022–2024 period. Using an associative quantitative approach and purposive sampling, the sample includes the largest-asset ural Bank in each of Indonesia’s 34 provinces. The study employs panel data, combining time series and cross-sectional data. The results show that DPK and bank size have a positive effect on profitability, while P2P lending has no significant impact.
Monetary Policy and MSME Credit in the Perspective of ECM Nabila, Shofiya; Devia, Vietha
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a strategic sector in the national economy, but the stability of their financing is influenced by macroeconomic conditions and monetary policy. Studies on the relationship between monetary policy and MSME credit financing are still relatively limited. This study aims to analyze the effect of the benchmark interest rate, money supply, and inflation on MSME credit financing. Using monthly data from 2014 to 2024 and the Error Correction Model (ECM) approach, this study examines the short-term and long-term relationships between variables. The results show that the benchmark interest rate does not have a significant impact in the short term but has a significant positive impact in the long term. The money supply has a significant positive impact in both the short and long term, while inflation has a significant negative impact on both time horizons. These findings provide empirical evidence of the effectiveness of monetary policy in influencing SME financing. The implications of the study emphasize that the formulation of monetary policy needs to consider the differences in short-term and long-term dynamics to better align with the sustainable financing needs of SMEs.
The Influence of Macroeconomic Factors and Bank Health Ratios on Non-Performing Loan (A Case Study: Bank Rakyat Indonesia) Kurnia Firmansyah, M Rizky Indra; `Fadli, Faishal
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This research seeks to examine the factors that influence the NPL level BRI, considering the NPL trend BRI has improved relatively compared to other KBMI IV Banks and has a large focus on lending to the UMKM sector which inherently has higher credit risk. The variables used in this research are inflation, GDP, CAR, LDR, NIM, & BOPO to the NPL level BRI uses a quantitative approach with models Error Correction Model (ECM). The research results show that in the short term inflation, LDR, and NIM has a significant effect on NPL, while GDP, CAR, and BOPO have no significant effect. However, in the long term inflation, CAR and NIM have a significant effect on NPL, while GDP, LDR, and BOPO are not significant. Thus, the implication of this research is that banks can focus on managing credit risk and debtors can understand the factors that can influence their ability to pay, thereby supporting better decision making for both parties.
Analysis of the Effects of Profitability Ratio and Macroeconomic Variables on the Stock Prices of Banking Companies Listed on the Indonesia Stock Exchange for the 2016-2023 Period Pratama, Alfito Dias; Indraswari, Citra
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study aims to analyze the effects of profitability variables and macroeconomic variables on stock prices in banking sector companies listed on the Indonesia Stock Exchange for the period 2016-2023. The data used is secondary data with the panel data regression analysis method. The results indicate that ROA has a positive impact on stock prices, NIM has a positive impact on stock prices, inflation has a negative impact on stock prices, and interest rates have a negative impact on stock prices in banking sector companies. While ROE has no effect on stock prices in banking sub-sector companies.
The Effects of Short Selling Bans on the Stock Price Volatility of LQ45 Banking Companies in Indonesia Mustapha Bayu Firdaush; Indraswari, Citra Rahayu
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.2025.04.2.17

Abstract

The COVID-19 pandemic has significantly impacted the stability of Indonesia's financial markets. The ensuing economic recession has led to high volatility in the stock market, particularly for banking stocks included in the LQ45 index. One of the policy implemented by regulator to mitigate market volatility was a wide ban on short selling. This study aims to analyze the impact of the short selling ban imposed by the Indonesian Stock Exchange in March 2020 on the volatility of LQ45-indexed banking stocks in Indonesia during the COVID-19 pandemic. Secondary data will be used, and the analysis will employ a panel data regression method. The results of this study indicate that the short selling bans had a statistically significant positive effect on the volatility of LQ45-indexed banking stocks in Indonesia.
The Effects of Macroeconomic Factors and Malaysian and Vietnamese Stock Indices on the Jakarta Composite Index Athaya, Mahadiva Frylia; 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.2025.04.2.20

Abstract

This study aims to examine the influence of macroeconomic factors (inflation, interest rates, and exchange rates), as well as regional stock indices KLCI (Malaysia) and VNI (Vietnam) on the movement of the Composite Stock Price Index (IHSG) in Indonesia. The background of this research stems from the limitations of previous studies, which tended to focus on domestic factors without considering stock market integration within the ASEAN region. This research adopts a quantitative approach using monthly secondary data from 2020 to 2023, analyzed through the Error Correction Model (ECM) to identify both short-term and long-term effects. The results show that in the long run, inflation, interest rates, and VNI have a positive and significant influence on the IHSG dynamics, with varying degrees of influence depending on the time horizon. The implications of this research highlight the importance of considering regional economic integration in investment strategies and policy making in Indonesia’s capital market.
Analysis of the Effects of Financial Technologies on Income Improvements of Culinary MSMEs Dian Nuke Saraswati
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Micro, Small and Medium Enterprises (MSMEs) have a very important role in the Indonesian economy. From a macroeconomic perspective, MSEMs are seen as increasing people's income, reducing poverty levels and opening up job vacancies. However, MSMEs find it difficult to find capital because banking institutions and the government often consider MSMEs not bankable and feasible to finance. This makes MSMEs choose financing from informal institutions. One of the financing models used to support MSMEs is Financial Technology, the type of fintech with the most users, namely Peer to Peer Lending and Digital Payment. The research uses Disruption Theory, Financial Intermediation Theory and Endogenous Growth Theory. The data analysis technique in this study uses the Structural Equation Modeling (SEM) approach, which includes Measurement Model Testing and Structural Modeling Testing. The results of the analysis show that peer-to-peer lending and digital payments have a positive and significant influence on increasing MSME income. This is incited by the t-statistics values ​​of 6.111 and 4.874, specifically, which exceeds the t-table value of 1.96. in addition, the p-value for both variables is 0.000, indicating that both hypotheses in this study are statistically accepted.

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