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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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ANALISIS PENGARUH RISIKO KREDIT DAN PERMODALAN TERHADAP PROFITABILITAS MELALUI PERTUMBUHAN KREDIT Manurung, Wanda Valeria; Bintoro, Nugroho Suryo
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.15

Abstract

Along with the deceleration of global and domestic economy, the profitability of banks is also decreasing. Such degradation must receive sufficient attention as it can reduce people’s trust and bank’s business sustainability if not addressed properly. The objective of this research is to assess the effects of credit risk and capital on profitability both directly and indirectly through the mediation of credit growth. Using purposive sampling technique, banks member of HIMBARA (Association of State-Owned Banks) from the first quarter of 2012 to the fourth quarter of 2021 were selected as the sample. The data was processed using panel data regression and path analysis. This study finds that NPL and CAR negatively and significantly influence credit growth, that NPL negatively and significantly affects ROA, that CAR and credit growth have no effect on ROA, and that credit growth does not mediate the effects of NPL and CAR on profitability.
ANALISIS PENGARUH FAKTOR EKSTERNAL DAN FAKTOR INTERNAL BANK TERHADAP NON PERFORMING FINANCING Salsabilla, Annisa; Devia SS, Vietha
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.10

Abstract

Non Performing Financing (NPF) is a ratio that shows the amount of financing problem on Islamic Bank. And increase in the NPF ratio of Islamic Bank will cause the bank’s health level and liquidity to decrease. This study aims to find out how external factors such as inflation and GDP, as well as bank internal factors such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and Third Party Funds can affect changes in the ratio NPF. Islamic Bank can use this information as a reference for making regulations in anticipating an increase in the NPF ratio. This research focuses on Bank Muamalat Indonesia using the 2011-2020 quarter time period. This study uses a quantitative approach by conducting time series regression analysis to see the simultaneous and partial effects of the independent variables on the dependent variable. The results of this study indicate that inflation, GDP, CAR, FDR, BOPO, and Third Party Funds simultaneously have a significant effect on Bank Muamalat's NPF. Partially, inflation and BOPO have a significant positive effect, GDP and Third Party Funds have a significant negative effect, while CAR and FDR have no effect on Bank Muamalat's NPF
ANALISIS PENGARUH INKLUSI EKONOMI DIGITAL TERHADAP PERTUMBUHAN EKONOMI DAN DISTRIBUSI PENDAPATAN DI INDONESIA Ku, Feky; Kaluge, David Kaluge
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.09

Abstract

With the use of technology increasing so rapidly as time goes by, the government must facilitate the use of technology and also invest more in technology so that the effects of using this technology can be felt by all levels of society. This study aims to analyze how there is an effect of the use of digital technology on economic growth and income distribution. The variables used in this study are economic growth and income distribution as the dependent variable, while digital technology is the independent variable. The research model used is the convergence model, which has a significant level of less than 0.05. The result of this study is that all digital technology variables have a significant effect on economic growth and income distribution.
ANALISIS MEKANISME PEMBIAYAAN MIKRO KEPADA KELOMPOK UMKM Sari, Amila Aulia; Muttaqin, Aminullah Achmad
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.06

Abstract

The objective of this research is to identify the mechanism of financing for micro, small, and medium-sized enterprises (MSME). The identification can help people distinguish financing mechanisms applied in Islamic and conventional banks based on the law of the contracts and the requirements made by the bank. Furthermore, MSME can choose easily which type of financing benefit them most. In brief, Islamic banks use Murabaha, while their counterparts use interest system. Hence, people can be more aware about banking in Indonesia especially in terms of the offered financing products.keyword: banking, the low of the contracts,system
PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), NET INTEREST MARGIN (NIM), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PENYALURAN KREDIT Sudimoro Family, Syafira Tauhida Qulby
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.12

Abstract

Banking is an important part that plays a role in the economic development of a country. Banking also functions as an intermediary institutions whose job is to collect funds from the public and channel them back to the community in the form of credit. In extending credit, there are internal factors that must be considered, namely the activities of banks collecting public funds are indicated by the amount of DPK, from the capital side it is indicated by CAR, the level of collectibility is indicated by NPL, the level of bank operational efficiency is indicated by NIM, and from a banking liquidity perspective indicated by LDR. This study aims to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) on bank lending listed on the Stock Exchange. Indonesian securities for the 2012-2021 period using the purposive sampling method. The analytical method uses panel data regression. The results showed that DPK, CAR, NIM, and LDR had a positive and significant effect on lending. Meanwhile, NPL has a significant negative effect on lending. Keywords: Lending, DPK, CAR, NPL, NIM, LDR
STRATEGI BERTAHAN UMKM PADA MASA PANDEMI COVID-19 PADA PEMBIAYAAN BANK THITIL UNTUK PARA PEDAGANG fatimah evanggalista wijayanti; Badriyah, Nurul
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.04

Abstract

One of the sectors most affected by the policies issued by the goverment due to the Covid-19 pandemic is the MSME sector. whereas in fact, MSMEs are the main actors in economic activities in Indonesia. MSMEs are also the largest provider of employement. The decline in people's purchasing power has an effect on the decline in the income of the MSME sector so that the MSME sector is required to have a strategy on how their business can survive or they can still obtain capital to produce further. This study uses field research or field research where researchs conduct research and collect data directly and see the actual phenomenon. The results showed that the traders' survival strategy was to do financing in the informal sector of Bank Thitil because it was considered an easy process and fast time. Compared to other formal or informal sectors. Bank Thitil is the easiest solution because there is no need for collateral as loan collateral. The diffulty experienced by traders is that the interest rates given are too high, so to cover loans in one sector the traders make loans to other sectors so as to multiply the loans they have and bear very high interest rates.
DIGITALISASI DAN PENGANGGURAN DI PEDESAAN JAWA TIMUR PADA MASA PANDEMI COVID-19 (STUDI KASUS PADA SEKTOR INFORMAL) Mawarni, Sherina Indah; Syafitri, Wildan
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.14

Abstract

The COVID-19 pandemic has caused unemployment  increase, but COVID-19 has also provided a digital acceleration boost. In 2020 East Java has highest rate of digital literacy. Using SAKERNAS 2020 data, This study employs logistic regression to determine how East Java's unemployment is affected by digitalization. This study indicated that East Java's unemployment rate was significantly and negatively impacted by digitization. Workers who can master information technology through use of the internet will have an impact on have a smaller tendency to become unemployed than those who cannot use the internet. In addition, other factors such as area of residence, employment sector, gender, training, pre-employment card ownership, education and migration also affect the tendency of the workforce to become unemployed.
FIRM SPESIFIC FACTORS SEBAGAI DETERMINAN NILAI PERUSAHAAN SEBELUM DAN SELAMA PANDEMI COVID-19 Putri, Dewi Santika; Hascaryani, Tyas Danarti
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.08

Abstract

The Covid-19 pandemic has affected investors' judgments in determining indicators to make investment decisions. This study analyzes firm specific factors that affect firm value before and during the Covid-19 pandemic in LQ-45 companies on 2018-2021. Firm specific factors are measured by leverage, profitability, liquidity, and company size. Meanwhile, firm value is measured by Price Earning Ratio (PER). The analytical method used is Panel Data Regression Analysis with the Covid-19 Pandemic as a Dummy variable. The results of this study indicate that company size and liquidity have a significant positive effect on firm value, the profitability and leverage variables show a significant negative effect on firm value before the Covid-19 pandemic. Meanwhile, during the Covid-19 pandemic, different results were obtained on the profitability variable, which had a significant positive effect and company size had no effect on firm value. And the Covid-19 pandemic variable has a significant negative effect on company value. This research becomes a reference for investors in determining indicators to make investment decisions and becomes the basis for companies to improve company performance.
PENGARUH PENGETAHUAN INVESTASI DAN PERSEPSI RISIKO TERHADAP MINAT MAHASISWA DALAM INVESTASI SAHAM DI PASAR MODAL Verdiana, Ninda Eka; Ashar, Khusnul
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.01

Abstract

Stock investment is the most interested investment in Indonesia, which is dominated by generation Z or millennials. However, millennials are synonymous with having a hedonistic lifestyle and a higher level of consumption so they must be wise in managing finances and require qualified knowledge and risk perception if they want to enter the capital market. The purpose of this study is to find out how influential investment knowledge and risk perception are on students' interest in investing in stocks in the capital market. This study used a non probability sampling technique with purposive sampling to determine the minimum respondents with the help of the Slovin formula with an error precision of 5%. The method used is a quantitative approach with the Partial Least Square – Structural Equational Modeling data analysis technique with the help of SmartPLS software. The results of the test hypothesis indicate that the investment knowledge variable (X1) has an influence with a significant T-Statistical result of 8,651 on the buying interest variable (Y) with a p-value of 0.000 meaning that increasing students' knowledge of investment is one way to arouse their interest in investing. Then the second hypothesis of the test results indicates that the risk perception variable (X2) has an influence with a significant T-Statistical result of 3,596 on the buying interest variable (Y) with a p-value of 0.000.
PERAN ENVIRONMENTAL, SOCIAL, AND GOVERNANCE (ESG) TERHADAP PROFITABILITAS DI SEKTOR PERBANKAN INDONESIA Nurhalida, Salma; Shofwan
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.02

Abstract

Environmental issues have encouraged various parties to carry out efforts to reduce the negative impacts that can arise from these issues that have the potential to hinder environmental sustainability. Business practices that focus on sustainability by incorporating environmental, social and governance aspects are becoming increasingly popular among companies, especially banks. This study aims to analyze the effects of ESG implementation proxied by Green Credit, Corporate Social Responsibility Fund, and Deposit Insurance Premium on bank profitability as measured by ROA (Return on Assets) in 2017-2021 using Bank Size proxied by Total Assets as a control variable. This study uses a quantitative approach by conducting panel data regression analysis to determine the simultaneous effect and partial effect of the independent variables on the dependent variable of the study. The results show that simultaneously all independent variables have a significant impact on bank profitability. Partially, the three ESG proxies have no significant effect on bank profitability, but the Bank Size has a positive impact on bank profitability.

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