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All Journal Jurnal Siasat Bisnis Kertha Patrika Masalah-Masalah Hukum Jurnal Hukum Progresif JURNAL BISNIS STRATEGI Ekonomi Bisnis Jurnal Manajemen Teknologi Jurnal Keuangan dan Perbankan Kinerja JDM (Jurnal Dinamika Manajemen) Pandecta JAS (Journal of ASEAN Studies) Journal The Winners CommIT (Communication & Information Technology) FIAT JUSTISIA: Jurnal Ilmu Hukum Indonesian Journal of Business and Entrepreneurship (IJBE) Arena Hukum Jurnal Manajemen Atma Jaya Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Media Hukum Jurnal Hukum Novelty LAW REVIEW Diponegoro Law Review Acta Comitas Jurnal IUS (Kajian Hukum dan Keadilan) Binus Business Review Jurisprudence Jurnal Pariwisata Jurnal Ilmiah Hukum LEGALITY Hasanuddin Law Review Jurnal Riset Pendidikan Ekonomi Jurnal Ekonomi dan Bisnis Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Varia Justicia Journal Economics & Business Atmajaya Indonesia Nagari Law Review Jurnal Kreativitas PKM Sociological Jurisprudence Journal KERTHA WICAKSANA Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal JURNAL MERCATORIA Unes Law Review JIKA: Jurnal Ilmu Keuangan dan Perbankan Ultima Management : Jurnal Ilmu Manajemen EKUITAS (Jurnal Ekonomi dan Keuangan) Humaniora Economics and Finance in Indonesia Ekspose: Jurnal Penelitian Hukum dan Pendidikan RANDANG TANA - Jurnal Pengabdian Masyarakat Jurnal Simbur Cahaya To Maega: Jurnal Pengabdian Masyarakat Jurnal Pelayanan dan Pengabdian Masyarakat (Pamas) Jurnal Muara Ilmu Ekonomi dan Bisnis JURNAL ILMIAH ADVOKASI Jurnal Ilmiah Dunia Hukum Jurnal Manajemen Bisnis dan Kewirausahaan Journal of Law and Policy Transformation Jurnal Abdi: Media Pengabdian Kepada Masyarakat Unnes Law Journal Madaniya Borobudur Law Review Vivabio : Jurnal Pengabdian Multidisiplin YURISDIKSI : Jurnal Wacana Hukum dan Sains Jurnal Manajemen Rudence: Rural Development for Economic Resilience Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Proceeding of the International Conference on Family Business and Entrepreneurship (ICFBF) Hang Tuah Law Journal Prosiding Seri Seminar Nasional Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Jurnal Pengabdian Masyarakat - Teknologi Digital Indonesia Business and Entrepreneurial Review Jurnal Manajemen dan Pemasaran Jasa Kanun: Jurnal Ilmu Hukum Economic and Finance in Indonesia SASI
Suwinto Johan
Fakultas Hukum, Universitas Tarumanagara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Determinants of Credit Decision in Consumer Financing: An Empirical Study on Indonesia Auto Financing Suwinto Johan
Indonesian Journal of Business and Entrepreneurship (IJBE) Vol. 4 No. 3 (2018): IJBE, Vol. 4 No. 3, September 2018
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.4.3.291

Abstract

The aim of the research was to study the impacts of retail consumer’s 4 C (character, capacity, collateral and capital) on the credit quality performance of finance company. The credit quality of the consumer was analyzed using a behavior scoring system. The dependent variable was the credit quality, i.e. the non performing financing of more-than-90-day-payment due. The independent variables were the characteristics, capacity, collateral, and capital of the debtors. The samples were customers who got financing from 2013–2014 and were cut off due to delinquency by the end of 2015. Total samples were 750 customers who purchased 4 wheelers. In this research, the econometrics model was regression binary logistic model. In the model, the dependent variable was the dummy variable of customers whose delinquency was under 90-day payment due and was given 0, and the customers with delinquency more than 90-day payment due were given 1. The empirical results showed that collateral and capital had significant influence on credit quality. The collateral was represented by the title of the car ownership (title of ownership). The capital was represented by the financing tenor, at significance level = 0.05. The financing company should focus on the types of collateral, down payment, title of ownership and tenor of financing in determining credit decision.Keywords: consumer, credit, finance company, lending, logistic
DETERMINANTS OF BANKING PERFORMANCE IN INDONESIA: A HUMAN CAPITAL PERSPECTIVE Suwinto Johan; Claudia Gita Hapsari
Jurnal Manajemen Vol 17 No 2 (2020): Jurnal Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/jm.v17i2.1278

Abstract

The paper aims to study the determinants of banking performance from the human capital perspective. Banking is a service industry that heavily depends on human capital. Therefore, the research will focus on human capital quality in determining banking financial performance. This research analyses 5 ratios: Education Ratio, Average Age Ratio, Gender Composition, number of employees and number of branches. The dependent variable will be the profitability ratio represented by the return on asset (ROA). Linear regression is used to investigate the effect of human capital on banking performance. The software is the Statistical Program for Social Science (SPSS) software to test the research model. The samples are 11 banks which are categorized as Book 4 and Book 3 by the regulation of Bank Indonesia (the central bank of Indonesia). The data and financial performance are obtained from 2015-2018. The empirical results show that the human capital, particularly the total employees and total branch, has a significant influence on banking per-formance. All variables are significant at a <5%.
DETERMINAN FDI INDUSTRI HULU MIGAS DI INDONESIA SERTA DAMPAKNYA PERIODE TAHUN 2003–2013 Yudi Iskandar; Bambang Juanda; Suwinto Johan
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 2 No. 1 (2016): JABM Vol. 2 No. 1, Januari 2016
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.2.1.53

Abstract

The inclusion of Indonesia as a net importer of oil, gas and high energy expenditure compared with oil and gas revenues is because of the lack of investment in upstream oil and gas in Indonesia. Indonesian oil and gas potential is relatively large, especially within eastern Indonesia. Taking into the account of the financial condition, risk and technological capabilities, the state still needs FDI to increase the upstream oil and gas operations in Indonesia. This study examined the FDI determinants by using panel data regression from 2003 until 2013 with a cross section of 82 mining areas. In addition, this study also analyzed the impact of FDI on energy security (proxy production) and state revenues, then compared them with domestic direct investment (DDI) represented by the state. Based on the data regression panel results, the variables which have positive influences on FDI were infrastructure, technology, education, corruption free index, raw oil price, oil and gas reservation, and BPMIGAS dispersion. Meanwhile, variables which hold negative influences were the market size, inflation, and economical openness. FDI holds positive impact on the state production and revenue level, nevertheless, from the production side, DDI gave bigger impact compared to FDI.Keywords: determinants, impact, FDI upstream oil and gas industry, and panel data
Determinant of Financial Company Profitablity Suwinto Johan
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 6 No. 2 (2020): JABM Vol. 6 No. 2, Mei 2020
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.6.2.447

Abstract

The purpose of the paper is to study the determinants of finance companies profitability. The finance company industry is one of main contributors of Indonesia economic growth during the last 15 years. Total asset of the industry is more than IDR 500 Trillion in 2018. The industry also considered as one the fastest growing industries during the last 15 year. We have analyzed the five main financial ratios and alliance impact as determinants of finance companies’ profitability. The profitability is measured by profit size, return on asset and return on equity. The financial ratios are firm size, efficiency ratio, leverage ratio, asset allocation ratio, and profitability ratio. We use data panel. The empirical results show that the determinants of finance companies’ profitability are leverage ratio, firm size, and efficiency ratio. However, the determinants of return on asset are net profit margin and efficiency ratio. On the contrary, the determinants of return on equity are firm size and equity size. Firm size has negative influence on return on equity. All determinants are significant at less than 1%, only efficiency ratio on profitability has significant at less than 10%. Keywords: financial ratio, financial institution, profitability, return on assets, return on equity
The strategic rationale of financial institutions acquisition Suwinto Johan
Jurnal Siasat Bisnis Vol 23, No 2 (2019)
Publisher : Management Development Centre (MDC) Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jsb.vol23.iss2.art2

Abstract

The aim of the paper is to study the determinants of finance companies takeover in Indonesia. The finance company industry is one of the fastest growing industries during the last fifteen years with compounded annual growth rate of 122%. The banking industry which provides majority of the funding, has made finance companies as takeover targets. The automotive manufacturers and dealers which provide the products of financing, have the similar strategy. We analyzed seven micro key financial ratios (profitability, efficiency, growth, firm size, risk, liquidity and solvency) and business portfolio determinants of finance companies take over by examining the relationship between backward integration with banks and forward integration with automotive manufacturers and dealers. We use the binary Logit regression technique. The empirical results show that the determinants of finance companies that were targeted for all types of takeover are the size of the assets and return on equity ratio. The probability of being targeted as a takeover candidate by banking industry (backward integration), is larger for finance companies with higher asset size and diversified portfolio. On the contrary, the probability of being targeted as a takeover candidate by automotive manufacturers and dealers (forward integration), is larger for finance companies with higher profitability, provisioning, leverage, asset size and earning ratios.
SANKSI ADMINISTRATIF DENDA PENDEKATAN LAPORAN KEUANGAN ATAS PELANGGARAN PERSAINGAN USAHA TIDAK SEHAT Suwinto Johan
Masalah-Masalah Hukum Vol 51, No 1 (2022): MASALAH-MASALAH HUKUM
Publisher : Faculty of Law, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/mmh.51.1.2022.20-28

Abstract

Pengenaan sanksi denda terhadap praktik monopoli dan pelanggaran persaingan usaha tidak sehat telah diatur dalam Undang Undang Cipta Kerja (UU CK). Pengenaan denda kepada pelaku usaha berdasarkan nilai penjualan. Penelitian ini bertujuan untuk membahas mengenai efektivitas pendekatan pengenaan denda berdasarkan laporan keuangan sesuai dengan Peraturan Komisi Pengawas Persaingan Usaha (KPPU). Penelitian ini mempergunakan metode penelitian kualitatif dengan legal normatif. Penelitian ini melakukan telaah literature dan norma-norma yang berlaku. Penelitian ini menyimpulkan bahwa denda yang dikenakan berdasarkan pendekatan laporan keuangan secara akuntasi memiliki hambatan teknis dalam pelaksanaanya. Sanksi administratif berupa denda tidak akan membuat pelaku usaha dirugikan. Denda dikenakan pada sebagian keuntungan yang diperoleh pada Pasar Bersangkutan. Pelaku usaha tetap memperoleh keuntungan. Sanksi atau denda tidak dapat dikenakan pada semua pelanggaran larangan praktik monopoli.
KETERBUKAAN INFORMASI UU PASAR MODAL MENCIPTAKAN ASYMMETRIC INFORMATION DAN SEMI STRONG FORM Suwinto Johan; Ariawan Ariawan
Masalah-Masalah Hukum Vol 50, No 1 (2021): MASALAH-MASALAH HUKUM
Publisher : Faculty of Law, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/mmh.50.1.2021.106-118

Abstract

Sebuah pasar modal digolongkan sebagai pasar yang efisien atau akurat jika informasi yang ada di bursa tersebut terbuka dan diketahui oleh semua pelaku secara merata. Undang Undang No. 8 Tahun 1995 mewajibkan keterbukaan informasi material dengan jangka waktu maksimal 2 hari kerja setelah adanya informasi yang material. Penelitian ini bertujuan untuk meneliti keterkaitan antara kewajiban keterbukaan informasi material dengan mewujudkan pasar modal yang efisien berdasarkan Efficient Market Hypothesis. Penelitian ini menggunakan metode yuridis normatif. Penelitian ini menemukan bahwa kewajiban pelaporan maksimal 2 hari kerja akan mengakibatkan keterlambatan informasi bagi pelaku pasar modal. Pasar modal yang tidak efisien tidak akan membuat pengembalian yang optimal. Pengaturan mengenai pelaporan informasi yang material perlu dirubah.
Determinants of the Credit Quality Decision on Retail Consumer Suwinto Johan
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (183.372 KB) | DOI: 10.26905/jkdp.v21i4.1581

Abstract

The aim of this study was to study the retail customers’ 4C (character, capacity, collateral, and capital) that affected credit quality on finance companies. This study focused on the financing of used motorcycles from 2013-2014 with the position of balance of the book per December 2015. This study used an artificial intelligence concept with the scoring system. The dependent variable was the customer credit quality that was overdue 90 days, and the independent variables were a character, capacity, collateral, and capital of the customers. This study took samples of 67,500 customers using a logistic regression test model. The empirical results showed that 4C had a significant effect on credit quality. There were 12 out of 13 variables that showed significant influence namely sex, age, length of stay, home ownership, marital status, employment status, cost ratio, motor guarantee brand, ownership status, down payment, and tenor. This significance was tested with a 5 percent confidence level. Income did not have a significant effect.DOI: https://doi.org/10.26905/jkdp.v21i4.1581
Macroeconomic Determinants of Auto Sales in ASEAN: An Empirical Study in Five Major ASEAN Countries Suwinto Johan
JAS (Journal of ASEAN Studies) Vol. 8 No. 2 (2020): Journal of ASEAN Studies
Publisher : Centre for Business and Diplomatic Studies (CBDS) Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/jas.v8i2.6621

Abstract

This research examines the determinants of car sales in ASEAN countries. The research concentrates on five macroeconomic variables (consumer price index, gross domestic product (GDP) per capita, changes in gross domestic product per capita, foreign exchange rate, and interest rate). The total sample is 12 years of automobile sales in five ASEAN countries from 2005 – 2016. The five ASEAN countries are Indonesia, Thailand, Malaysia, Singapore, and Vietnam. This paper used the multilinear regression method with Statistical Package for the Social Sciences (SPSS) software to test the research model. For interest-rate variables, we used a lag of one year. The empirical results show that the previous period for inflation, gross domestic product per capita, interest rate, and the foreign exchange rate significantly influenced on car sales in five ASEAN countries. The growth of GDP per capita does not influence car sales.
Implementation Fiduciary Registration According to Finance Ministry, Police, and Financial Services Authority (OJK) Suwinto Johan
The Winners Vol. 22 No. 2 (2021): The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v22i2.7064

Abstract

The research aimed to research fiduciary guarantees registration from a legal perspective, especially the executive or administrative regulations. The research examined the existing regulations and laws by analysing primary and secondary data using normative juridical methods. There were three legal material inventory, namely primary legal materials, secondary legal materials, and tertiary legal materials. The research concludes that the fiduciary registration obligations stipulated in the Regulation of Minister of Finance (PMK) Number 130/PMK.010/2012 are not in synchronic with the Financial Services Authority Regulation (POJK) Number 29/POJK.05/2014, which was replaced by the Financial Services Authority Regulation Number 35/POJK.05/2018. Revocation of Regulation of Minister of Finance Number 130/PMK.010/ 2012 by Regulation of the Minister of Finance Number 23/PMK.010/2017 is not accompanied by amendments to the Regulation of the Republic of Indonesia National Police Number 8 of 2011. The loan agreement remains valid if it fulfills the principles of the agreement. It is suggested that relevant institutions, particularly the Financial Services Authority (OJK) as the financial industry supervisor, take initiatives to synchronize all regulations for the implementation of fiduciary registration.
Co-Authors Adhi Setyo Santoso Alicya Pingkan Elizabeth Watung Amad Sudiro Amad sudiro Amad Sudiro Amad Sudiro Andy Andy Anton Wachidin Widjaja Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Gunadi Ariawan Gunadi Ariawan Gunadi Ariawan, Ariawan Bambang Juanda Cakranegara, Pandu Adi Calista Endrina Dewi Chandra Setiawan Chesy Conysia Fitri Safa&#039;at Chesy Conysia Fitri Safa’at Chuadrey, A. Letizia M. Citra Rahayu Claudia Gita Hapsari Cyntia Fallen Dativa Averina Santie dedi kurniawan Dedi Kurniawan Dewi, Calista Endrina Eko Ganiarto Erika Victoria Faradiba Utari Kuswardani Ferdy Mahendra Fitri Amalia Rahman Gunard LIe Gunardi Lie Hendrik Aprilyanto Herbani, Laura Hermanto Siregar Hidayat, Agus Sofian Eka Hiqmatus Sholichah Ida Kurnia Ignatius Indrawan Sumawinata Indah Siti Aprilia Jovanka Andira Sarwoto Kezia Telambanua Khuzaimah, Zein Luo Yuan Yuan Luo Yuan Yuan Markoni Markoni Muslih Abdillah Muslih Abdillah Nelly Then Ng, Marella Novia Clarista Mulyanto Okia Verda Suryani Perdana Wahyu Santoso Rayhan Mohmad Athallah Hafiz S. Richard Chandra Adam Russel Ryan Sarah Novalina Sipayung Sarah Novalina Sipayung Selly Angelina Sony Priya Elita Manurung Sugiarto Sugiarto Tubagus Nur Ahmad Maulana Veronika Angel Siregar Victoria, Erika Wahyuni Rusliyana Sari Wira Wijaya Gea Wisnu Purnama Sidhi Yuan, Lou Yudi Iskandar