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<![CDATA[ANALISIS PENGARUH KINERJA KEUANGAN PERBANKAN TERHADAP NILAI PERUSAHAAN DENGAN PROFITABILITAS SEBAGAI VARIABEL INTERVENING ]]>
<![CDATA[Hidayah, Roisatul]]>;
<![CDATA[Sakti, Rachmad Kresna]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.1.07
<![CDATA[Financial performance is an illustration of the level of success achieved by a bank in its operational activities. banking financial performance is a major factor and is very important to assess the overall banking performance by looking at the value of the company. The purpose of this study was to determine the effect of CAR, NPL, LDR and BOPO on firm value with profitability as an intervening variable in banking companies. This type of research is quantitative research. As for the sample used in this study, namely 8 bank financial reports published during the 2012-2021 period using the random sampling method. The data analysis technique used is multiple linear regression and Moderrated Regression Analysis (MRA). The results of the study state that CAR and NPL have no effect on firm value, while LDR and BOPO have a negative and significant effect on firm value. In addition, the results of this study also state that profitability is proven to be able to moderate the relationship between the influence of CAR, NPL, LDR and BOPO on firm value. It is hoped that banking management can focus more on improving the performance of the Loan to Deposit Ratio (LDR) and BOPO (Operating Costs to Operating Income), this is because during the study period these variables had a negative and significant effect on Price to Book Value (PBV). Besides that, banking companies also need to pay attention to their profitability. Because profitability is a picture of banking in obtaining profits.]]>
<![CDATA[DETERMINAN KEPUTUSAN MILLENIAL DAN GEN Z DI INDONESIA TERHADAP MINAT DALAM MENGGUNAKAN E-WALLET ]]>
<![CDATA[Uswatun Hasanah, Dinda]]>;
<![CDATA[Kaluge, David]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 4 (2022) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2022.01.4.15
<![CDATA[This study aims to determine the effect of perceived convenience, perceived usefulness, promotion and advertising on interest in using e-wallets (a case study in Mojokerto City). The research method used in this study is a quantitative research method with primary data obtained from questionnaires that are measured using a Likert scale. This research was conducted in the city of Mojokerto. The population in this study is the millennial and Gen z generations who use e-wallet services in Mojokerto City. The sampling method in this study was purposive sampling method. So obtained 136 respondents. The research data was collected using a questionnaire that was distributed online via the Google form which was then processed using the SEM-PLS method using the SmartPLS software. The results of the study show that perceived convenience, perceived usefulness and advertising promotions have a significant positive effect on interest in using e-wallets.]]>
<![CDATA[IDENTIFIKASI FAKTOR PENENTU PROFITABILITAS BPR KONVENSIONAL DI PROVINSI BALI ]]>
<![CDATA[Devy, Tripeny Rosmala]]>;
<![CDATA[Al Muizzuddin Fazaalloh]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 4 (2022) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2022.01.4.12
<![CDATA[Profitability is the bank's ability to gain profits which can show good bank performance. The purpose of this study was to determine the effect of capital adequacy, credit risk and liquidity risk on BPR profitability with a sample of 47 BPRs for the 2017-2021 period. The analysis technique in this study used multiple linear regression analysis techniques. Based on the test results that have been carried out, capital adequacy (X1) and credit risk (X2) have a negative effect on BPR profitability and liquidity risk (X2) has a positive effect on BPR profitability in the Province of Bali. The implication of this research is that BPR’s determine the appropriate lending ceiling based on capital considerations that can later have an impact on BPR profitability.]]>
<![CDATA[STUDI KOMPARASI KINERJA SAHAM UNGGUL DAN SAHAM LIKUID SEBELUM DAN SAAT PANDEMI ]]>
<![CDATA[Jayanti, Dwi Nur]]>;
<![CDATA[Manzilati, Asfi]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.2.04
<![CDATA[The pandemic Covid-19 is a pandemic that attacks public health so that it has an impact on the economy, especially the capital market. The pandemic Covid-19 resulted in a weakening of the IHSG by up to 26.96%, apart from the weakening of the IHSG there were superior and liquid stocks which were the stocks most in demand by investors because they had the best performance and had a high probability of providing high profits. The purpose of this research is to compare the performance of superior stocks and liquid stocks before and during the pandemic by using stock returns, transaction volume and stock risk. By using the Wilcoxon rank test method. The results of this study indicate that stock performance through stock returns on superior stocks does not have a significant effect and there is a decrease during a pandemicc, while liquid stock returns also do not have a significant effect but there is a slight increase during a pandemic, the transaction volume of superior stocks and liquid stocks has a significant effect and occurs an increase in transaction volume during a pandemic, the risk of superior stocks and liquid stocks also has a significant influence and there is an increase in risk during a pandemic.]]>
<![CDATA[DETERMINAN PERMINTAAN KPR FLPP PADA PT. BANK BTN KANTOR CABANG SYARIAH ]]>
<![CDATA[Stiorini, Lilis]]>;
<![CDATA[Vietha Devia SS]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 1 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.03.1.15
<![CDATA[This research aims to determine the effect of income, population, murabahah margin, mortgage interest rates at competing banks, and age on the demand for FLPP (Housing Finance Liquidity Facility) mortgages at PT. Bank BTN Syariah Malang for the 2020-2022 period using secondary data. The reason for choosing Bank BTN Syariah Malang is because Bank BTN Syariah occupies the second position in the category of the best KPR Subsidy distribution in Indonesia, which is 14,052 units. This research uses quantitative methods with multiple linear regression analysis. The results of the study prove that income variables have a positive and significant effect on the demand for FLPP home ownership loans. The variability in the number of married people and mortgage interest rates at competing banks has a negative and significant effect on the demand for FLPP home ownership loans. Meanwhile, murabahah margin and age variables do not significantly affect the demand for FLPP home ownership loans. The variables of income, population, murabahah margin, mortgage interest rates at competing banks, and age simultaneously affect the demand for home ownership loans, housing finance liquidity facilities.]]>
<![CDATA[PENGARUH STOCK SPLIT TERHADAP KINERJA SAHAM (STUDI PADA PERUSAHAAN YANG TERDAFTAR DI BEI TAHUN 2017 – 2021) ]]>
<![CDATA[Nurlia, Nada Fathina Putri]]>;
<![CDATA[Hascayani, Tyas Danarti]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.2.10
<![CDATA[A stock split is an activity of splitting a number of outstanding shares of a company to make stocks more liquid so that they can increase transactions from market. The purpose of this study to determine that is any differences between return and trading volume before and after stock splitting. This study uses secondary data that accorded by Investing.com with a research period of 2017 – 2021. The population in this study are companies that performs stock split in the research year determined, that is 64 companies. The sample selection uses a purposive sampling method, so the sample from this research is 61 companies. The result of this study using the Wilcoxon signed rank test, the results is all sectors did not have an increase in stock returns and trading volume after stock splits because investors prioritized company fundamentals rather than stock split announcements. So for companies that want to do a stock split, should improve the company's fundamentals and pay attention to the economic conditions at that time first. This is because investors have other factors to consider in making transactions, one of which is fundamental factors and economic conditions.]]>
<![CDATA[PENGARUH COVID 19 TERHADAP KREDIT BERMASALAH DI INDONESIA (Studi Kasus pada Bank BUKU I di Indonesia) ]]>
<![CDATA[Kisti Yunia Indasari]]>;
<![CDATA[Bintoro, Nugroho Suryo]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.2.07
<![CDATA[This study aim to examine the influence of COVID in the form of new COVID cases, cumulative COVID cases, and COVID deaths. As well as capital ratios in the form of Regulatory Capital Ratio (CAR), Tier 1 Capital Ratio, and Equity Ratio with bank performance level control variables in the form of ROA, LDR, and Bank size. Also macroeconomic controls in the form of GDP, BI Rate, and Unemployment on Bad Perfoming Loans. This study used quantitative data analysis techniques using Panel Data (REM) methods. This research concludes that even though there has been a decrease in the rate of new COVID cases, the ratio of bad loans has increased significantly. Banks with larger equity ratios were able to increase the non-perfoming loan ratio at BUKU I baks during COVID crisis.]]>
<![CDATA[PENGARUH PENGGUNAAN QRIS, PENDAPATAN, TABUNGAN dan GAYA HIDUP TERHADAP PERILAKU KONSUMTIF ]]>
<![CDATA[Yudiana, Alifah Arum]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 4 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.4.15
<![CDATA[Needs are things that must be fulfilled in life. Humans cannot be separated from consumption activities to meet their daily needs. Humans also not only fulfill their basic needs but also their desire to get satisfaction. This gives rise to consumptive behavior. In addition, the development of an increasingly easy payment system also makes it easier for someone to consume. Income, savings and lifestyle also play a role in a person's consumption activity. This study aims to find out how the influence of the use of QRIS, income, savings and lifestyle on consumptive behavior so that later it is expected to be able to find out the factors that influence broader consumptive behavior. This research uses multiple linear regression method. The results of this study indicate that the use of QRIS, income and savings have no effect on consumptive behavior and lifestyle has a significant effect on consumptive behavior.]]>
<![CDATA[VALUASI SAHAM UNTUK MENENTUKAN FAIR PRICE DALAM PENGAMBILAN KEPUTUSAN INVESTASI ]]>
<![CDATA[Safitri, Dina Aulia]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.2.03
<![CDATA[Valuation means measuring or identifying the value of the benefits of asset is the root of the stock valuation. Stock valuation is important in making investment decisions because it provides a deep understanding of the intrinsic value of a stock. Through stock valuation research, investors can identify whether a company’s current stock price is below, equal or of above its intrinsic value. By knowing the fair value or fair price of a stock, investors can make more informed decisions about when to buy and sell the stock. This research focuses on PT Bank Negara Indonesia (Persero) Tbk. using the 2016-2021 time period. This study uses a quantitative approach to the methods used in calculating stock valuations, namely Capital Asset Pricing Model (CAPM), Discounted Cash Flow (DCF), and Dividend Discount Model (DDM). The result of the study show that the fair value of shares at BBNI based on calculations is Rp.7.506. Individual Return (Ri) of 0,92183 is greater than the Expected Return (E(Ri)) of 0,5368 which means that BBNI shares are in an undervalued position.]]>
<![CDATA[PENGARUH INFLASI DAN HARGA EMAS DUNIA TERHADAP IDX FINANCIALS DI BEI 2018-2022 ]]>
<![CDATA[Markus, Morencia]]>;
<![CDATA[Kaluge, David]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 3 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
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DOI: 10.21776/csefb.2023.02.3.02
<![CDATA[This study aims to analyze the influence of inflation and world gold prices on IDX Sector Financials during the period of 2018-2022 in Indonesia. Different patterns and varied impacts on stock prices during economic crises in Indonesia were found. Monthly secondary data in the form of time series for the period of 2018-2022 were used in this study. The data analysis method employed was the Autoregressive Distributed Lag (ARDL) model. The research findings indicate that in the short term, inflation has a negative and significant effect on IDX Sector Financials, while world gold prices have a positive and significant influence. In the long term, inflation does not have an impact on IDX Sector Financials, and world gold prices also have a positive and significant effect. However, this study has limitations, and further research is recommended to expand the observation period and consider additional independent variables and other relevant factors related to IDX Sector Financials. This would provide clearer results and allow for broader generalization within a more extensive scope.]]>
