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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
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Corporate Governance Principles in Sovereign Wealth Fund: The Case of Indonesia Sovereign Wealth Fund Suwinto Johan
The Winners Vol. 23 No. 1 (2022): The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v23i1.7293

Abstract

The research aimed to determine the application of corporate governance principles for the Indonesian Sovereign Wealth Fund (ISWF) consisting of the Supervisory Board and the Board of Directors which had different functions. The research applied a normative juridical research method. The research concludes that the government needs to review the implementation of the principles of institutional corporate governance in the ISWF. The principles of corporate governance need to be rearranged, mainly the functions and powers of the Supervisory Board and the definition of the authority of the Board of Directors. It is considered that the research has its particular limitation as the discussion is based only on two laws and one corporate governance manual. It is suggested that further research have more development by comparing corporate governance in other countries.
Enhanced Financial Business Competitiveness by Leveraging Technology and Innovation Suwinto Johan
CommIT (Communication and Information Technology) Journal Vol. 15 No. 2 (2021): CommIT Journal
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/commit.v15i2.6968

Abstract

The financial industry has developed rapidly with the emergence of financial technology companies. Moreover, the use of technology in the financial industry has developed rapidly. However, conventional financial companies face tough challenges in doing business. They have to adopt the technology to survive. The adoption of technology will increase the competitiveness of established financial companies against financial technology companies. The research aims to analyze the impact of technology on improving the work process of established financial companies. It examines the business model of established financial companies and financial technology companies. The work process is almost identical for all companies. The research applies a qualitative method. The chosen companies are multi-purpose financing for the purchase of two-wheeled and four-wheeled motorized vehicles. The total number of companies involved in the research is four companies. The result concludes that conventional consumer finance companies need to adopt technology into the work process to compete with financial technology companies. Technologies that can be used are Artificial Intelligence (AI), automation job allocation, chatbot, and face recognition. The work process is reviewed by digitizing, eliminating, and moving. Then, technology adoption will require a large investment. Hence, consumer finance companies can collaborate with technology companies, including financial technology companies.
KNOWING COMPANY SECRETS THROUGH EMPLOYEE POSTS ON SOCIAL MEDIA Suwinto Johan
Diponegoro Law Review Vol 6, No 2 (2021): Diponegoro Law Review October 2021
Publisher : Fakultas Hukum, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (873.96 KB) | DOI: 10.14710/dilrev.6.2.2021.203-216

Abstract

In today's digital era, many young employees like to upload their activities every day. Uploads in the form of activities, feelings to the outpour of the heart. Company activities include meeting activities, company announcements, to computer screens that display reports that are being made. In addition to company activities, employees also like to upload complaints about work, colleagues, superiors, companies, business partners to customers. There are also employees wearing company uniforms but uploading an activity that does not represent the company but is personal. These posts may leak company secrets or defame the company and coworkers. These posts create legal events. This research uses normative judicial. This study aims to determine whether uploads of company activities or uploads regarding company information can be subject to applicable legal sanctions? This study concludes that uploads that offend personally can be subject to sanctions if any offended party makes a report. Employees upload company secrets, trade secrets, or material company information. Companies can impose sanctions in the form of warning letters to termination of employment. The company's relationship with employees is based on work agreements and company regulations.
Pertanggungjawaban Direksi Setelah Pemberian Acquit and Discharge Suwinto Johan; Ariawan Ariawan
Acta Comitas Vol 5 No 3 (2020)
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/AC.2020.v05.i03.p13

Abstract

This research paper objectives to discuss the acquit and discharge of the managing role by directors and supervising role by board of commissioners of the corporation. The research used a sample of the annual general meeting of shareholders of 32 public listed companies and 1 district court decision against the directors of a finance company on charges of falsifying company documents. This research uses judicial normative research method combined empirical data. The results show that the absence of acquit and discharge of directors and board of commissioners regulated in the limited company law, acquit and discharge are not entirely an agenda at the general meeting of shareholders and directors or board of commissioners can still be held for accountable, even though acquit and discharge have been given at the annual general meeting of shareholders.
Does Material Adverse Change (MAC) Fulfill the Principles of an Agreement? Suwinto Johan; Markoni Markoni
Jurnal IUS Kajian Hukum dan Keadilan Vol 9, No 1: April 2021 : Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Fakultas Hukum Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v9i1.813

Abstract

Material Adverse Change (MAC) clause is rarely discussed in contract law because it is an agreement between the two parties. This clause has quite extensive effects, especially at the time of the Covid-19 Pandemic. This article is generally found in company mergers and acquisitions agreements and credit or financing agreements. MAC Clause will be needed when there is a significant changes in business. This research wants to test whether the Material Adverse Change clause meets the principles’ requirements in a contract or agreement. The research is normative juridical research. This research will refer to the principles in agreement and relating to the definition of Material Adverse Change/Effect (MAC/E). This research concludes that Material Adverse Change is a clause which fulfills the principles in an agreement, especially the principle of the Freedom of Contract, the Principle of Good Balance, the Principle of Consensuality (Agreement/Consensualism), the Principle of Legal Certainty (Facta Sunt Servanda), the Principle of Good Faith, and the Principle of Personality. The MAC should be effective under the Pandemic’s condition.
Macroeconomic Determinants of Automobile Sales in Indonesia: An Empirical Study in 1986-2016 Suwinto Johan
Binus Business Review Vol. 10 No. 3 (2019): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v10i3.5712

Abstract

The aim of this research was to study the determinants of automobile sales in Indonesia. The automobile sales were the sales of car and motorcycle during 1986-2016. The research focused on five macroeconomics variables (exchange rate, Gross Domestic Product (GDP), growth of GDP, inflation, and interest rate). The total sample was 30 years of automobile sales in Indonesia. The researcher used the regression method with Statistical Package for the Social Sciences (SPSS) to test the research model. For a few variables, lag t-1 was used. The empirical results show that GDP and the growth of GDP have a significant influence on both car and motorcycle sales in Indonesia. The growth of GDP reaches a significant level at α < 1%. However, the exchange rate of USD to IDR, inflation, and interest rate do not influence automobile sales in Indonesia.
Who is the Real Consumer in a Credit Purchase Transaction? Suwinto Johan
Jurnal Jurisprudence Vol 11, No 1 (2021): Vol. 11, No.1, Juni 2021
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jurisprudence.v11i1.15019

Abstract

Purpose of the study: This study aims to determine who the actual consumers are in financing purchase transactions according to the law and regulations.Methodology:The study employed a normative judicial method. Juridical methods are the research with the library data sources.Results:Consumers are end-users, not consumers who make payments or own the goods. This definition is derived from the Consumer Protection Act. This definition of the consumer must be refined in light of its practical application in society. The differences between the buyer, owner, and user of goods necessitate a comprehensive understanding.Application of this study :Consumers have the option of paying with cash or credit. They can purchase the goods with money by paying in full and taking full ownership and usage. Consumers can also purchase goods on credit or with financing. They can apply for credit to the financing institution. The goods purchased serve as collateral for funding. If the consumer fails to make a payment, the goods purchased will be withdrawn as collateral. The financing institution will determine the type of goods that can be used as collateral. The financing company will also decide on the type of financing.Novelty / Originality of this study:The definition of consumer in a credit purchase transaction.
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 | Full PDF (329.154 KB) | 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%.
Implementasi Strategi Bisnis dan Korporasi Melalui Merger dan Akuisisi Suwinto Johan
Ultima Management : Jurnal Ilmu Manajemen Vol 3 No 1 (2011): ULTIMA MANAGEMENT
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1813.432 KB) | DOI: 10.31937/manajemen.v3i1.176

Abstract

Setiap manusia selalu ingin bertumbuh dan berkembang ke arah yang lebih baik dari waktu ke waktu. Manusia bisa bertumbuh secara pribadi dengan meraih kehidupan yang lebih baik melalui berkarya dan belajar, Sebagai makluk sosial, manusia berkembang biak melalui pertemanan dan interaksi dengan lingkungannya, hingga menghasilkan turunannya. Begitu juga dengan sebuah organisasi yang merupakan kumpulan dari manusia-manusia yang berinteraksi guna mencapai sebuah tujuan. Menurut Stephen P Robbins (1990) organization is a consciously coordinted social entity, with a relatively identifiable boundary, that functions on relatively continous basis to achieve a common goal or set of goals. Common goal or set of goals di dunia bisnis atau tujuan sebuah perusahaan adalah memaksimunkan nilai perusahaan dengan salah satunya adalah untuk memperoleh keuntungan yang maksimun dalam menjalankan usahanya. Selain bertumbuh secara organik, perusahaan juga akan bertumbuh secara non-organik atau yang dikenal dengan melalui merger dan akuisisi seperti manusia melalui perkawinan. Akan tetapi, sama seperti manusia, organisasi juga tidak terlepas dari lingkungannya. Selama abad 20, perubahan lingkungan telah menjadi semakin kompleks dan yang belum dikenal sebelumnya baik dari segi jumlah perubahan yang terjadi maupun tingkat kecepatan perubahan itu sendiri (Ansoff, 1990).
DETERMINANTS OF BANKING INDUSTRY PROFITABILITY: AN EMPIRICAL RESEARCH OF INDONESIA FINANCIAL INSTITUTIONS Suwinto Johan
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 5 No 2 (2021)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (345.685 KB) | DOI: 10.24034/j25485024.y2021.v5.i2.4666

Abstract

ABSTRAK   Penelitian ini bertujuan untuk mempelajari determinan profitabilitas perbankan di Indonesia. Penelitian difokuskan pada 19 bank yang dikategorikan sebagai bank book 3 dan 4 sesuai ketentuan bank sentral. Tujuh rasio keuangan utama, yaitu dampak pemegang saham (bank swasta versus bank milik negara), dan status dampak bank (bank milik lokal versus bank milik asing) dianalisis sebagai penentu profitabilitas bank. Kami menggunakan data panel seimbang dan menguji statistik model dengan pooled least square, model efek tetap, atau model efek acak dengan menggunakan program E-views. Sampelnya adalah 19 bank yang mempublikasikan laporan tahunannya dari tahun 2016-2018. Hasil empiris menunjukkan bahwa determinan utama profitabilitas perbankan adalah kredit macet. Pinjaman bermasalah yang lebih tinggi akan membutuhkan persyaratan cadangan yang lebih tinggi. Persyaratan cadangan yang lebih tinggi akan berdampak pada profitabilitas bank. Selain itu, penentu utama pengembalian ekuitas adalah status kepemilikan bank (kepemilikan lokal versus kepemilikan asing). Pemegang saham lokal menunjukkan lebih banyak dukungan untuk profitabilitas perbankan daripada pemegang saham asing. Variabel signifikan kurang dari 1%, dan hanya status pengaruh bank terhadap return on equity yang signifikan pada kurang dari 10%.