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Contact Name
Safrilia Ayu Nani
Contact Email
bpjfeb@ub.ac.id
Phone
+6285708508515
Journal Mail Official
csefb@ub.ac.id
Editorial Address
Jl. MT Haryono No 165 Malang Fakultas Ekonomi dan Bisnis Universitas Brawijaya
Location
Kota malang,
Jawa timur
INDONESIA
Contemporary Studies in Economic, Finance and Banking (CSEFB)
Published by Universitas Brawijaya
ISSN : -     EISSN : 29633303     DOI : 10.21776/ub.csefb
Core Subject : Economy, Social,
Publish all forms of quantitative and qualitative research articles as well as other scientific studies related to the fields of Economics, Finance, and Banking.
Articles 302 Documents
Analysis of the Influence of Digital Technology on the Profitability of KBMI IV Banks In Indonesia Salsabilla, Andien Febia; Kaluge, David
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Digital transformation has become a strategic urgency for KBMI IV banks in improving efficiency, competitiveness, and performance stability amid increasingly competitive and technology-based banking industry competition. This study aims to analyze the effect of mobile banking, internet banking, and ATMs on the profitability of KBMI IV banks in Indonesia for the period 2012–2023. The study uses a quantitative approach with the Fixed Effect Model panel data regression method. Profitability is measured using Net Profit Margin (NPM), with control variables in the form of size, Loan to Deposit Ratio (LDR), and BI Rate. The results show that mobile banking and internet banking have a significant positive effect on NPM, while ATMs have no significant effect. The variables of size and BI Rate have a significant positive effect, while LDR is not significant. These findings indicate that digitization can increase profitability when integrated with optimal fund collection and distribution strategies. Therefore, targeted, measurable digital transformation management that is aligned with core banking activities is needed to support long-term performance sustainability.
The Impact of Boycott Issues and Gold Price Volatility on PT X Stock Price santoso, feby indrawan; Fazaalloh, Al Muizzuddin
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The long-standing political and military conflict between Israel and Palestine has had an impact on Indonesia’s economy. The conflict triggered large-scale boycott policies against several well-known brands. One of the affected companies was the products of PT X, resulting in declining sales which also led to a decrease in share value. This study aims to examine the effect of gold prices and boycott policies on the share price of PT X and to test whether there is a difference in the share price trend of X before and after the Boycott Issue of Israeli products. The researchers applied a quantitative approach through multiple linear regression testing and a difference test. The results show that the boycott issue has a significant negative effect on X’s share price. Meanwhile, gold prices have a significant positive effect on X’s share price. Furthermore, a difference was found in X’s share price before and after the boycott issue.