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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 322 Documents
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Credit Sensitivity and Banks Profitability Hardianto, Ari Nanda; Syafitri, Wildan
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Credit sensitivity and profitability linkage among Indonesia Himpunan Bank Milik Negara (Himbara), consisting of Bank Mandiri, Bank Rakyat Indonesia (BRI), and Bank Negara Indonesia (BNI), is examined following the government’s IDR 200 trillion liquidity injection policy during the 2015–2024 period. This study uses panel data regression with 160 quarterly observations. The Common Effect Model is applied to Return on Assets (ROA), while the Fixed Effect Model with Least Square Dummy Variable and robust standard errors is used for Return on Equity (ROE) and Net Interest Margin (NIM). The results show that microcredit expansion positively affects ROA and ROE but reduces NIM. In addition, increases in the Micro Base Lending Rate consistently improve all profitability indicators. Non-Performing Loans (NPLs) are found to have the strongest negative effect on ROA and ROE, indicating that asset quality remains an important factor in banking profitability. The findings also suggest that liquidity stimulus alone is not sufficient to improve bank performance without effective credit risk management and operational efficiency. Excess liquidity may become counterproductive if it is not supported by stronger risk governance and selective lending practices.
The Influence of Internal Factors and Sustainable Investment Banking on ESG-Based Banking Profitability Putri, Irmadanti Ananda; Susilo
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study aims to determine and analyze the influence of operational efficiency, management quality, liabilities, and Sustainable Investment Banking on the profitability of banks implementing Environmental, Social, and Governance (ESG) principles in Indonesia. The application of sustainability principles in the banking sector is increasingly important with increasing attention to responsible financial activities. This study uses a quantitative approach with secondary data obtained from the annual reports and sustainability reports of four major banks listed on the Indonesia Stock Exchange: Bank Mandiri, Bank Rakyat Indonesia, Bank Central Asia, and Bank Negara Indonesia for the period 2010–2024. The analytical method used is panel panel unbalanced data regression to examine the relationship between the research variables. The results show that operational efficiency, management quality, liabilities, and Sustainable Investment Banking have a significant influence on bank profitability. These findings suggest that efficient operational management and the implementation of sustainable investment activities can support improved banking performance in the long term.

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