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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

Author-ID : 292663

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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Material Adverse Change: An Alternative Solution to Suspension of the Debt Payment. Suwinto Johan
Humaniora Vol. 11 No. 3 (2020): Humaniora
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/humaniora.v11i3.6606

The research aimed to provide alternative solutions with Material Adverse Change (MAC) before reaching the suspension of the debt payment obligation stage. The pandemic situation had caused many companies to experience difficulties in fulfilling their obligations, including payment obligations or debts to suppliers and creditors. If there were circumstances where the company could not fulfill its obligations, then the creditor would be able to collect through debt-restructuring to bankruptcy. The restructuring was carried out through the suspension of the debt payment obligation (Penundaan Kewajiban Pembayaran Utang/PKPU). The research used normative juridical methods. It focused on credit and financing transactions between companies and creditors, both banking or finance companies. The research concludes that before the suspension of a debt payment obligation, companies and creditors should negotiate based on MAC before reaching a lawsuit. In the MAC, there is an explicit clause, and it is agreed by both parties, then the creditor should acknowledge the company’s actual condition.

Sanctions in Financial Services: Developing a Conducive Culture in Financial Industry in Indonesia Suwinto Johan
Humaniora Vol. 13 No. 1 (2022): Humaniora
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/humaniora.v13i1.7309

The research proposed adjustments to sanctions for criminal acts in the financial services industry in accordance with Law No. 21/2011. Based on the Law of the Republic of Indonesia No. 21/2011, the Indonesian Financial Services Authority (FSA) had the authority to regulate the financial industry in Indonesia. FSA had enormous capacity, including the authority to impose criminal sanctions in the financial services industry. However, criminals in the financial sector still recurred after establishing the OJK. One of financial services industry crimes began with Bank Indonesia Liquidity Assistance due to the 1998 Asian crisis, and the crisis due to the COVID-19 pandemic had resulted in several criminal acts in the financial industry such as the Bank Bukopin case and several cases of insurance companies such as Jiwasraya insurance. The research applied a normative juridical method. It concludes that criminal sanctions in the financial services industry can be imposed on individuals and/or corporations. This criminal sanction is imposed if someone deliberately ignores, does not fulfill, or hinders the exercise of the FSA's authority or deliberately ignores and/or does not carry out the FSA's written orders. A person's definition needs to be clarified in his/her position at a financial service institution to be subject to a criminal offense.

Credit Limit of Unsecured Consumer Lending: Evidence from Micro Data Suwinto Johan; Calista Endrina Dewi
Economics and Finance in Indonesia Volume 67, Number 1, June 2021
Publisher : Institute for Economic and Social Research

As credit card debts have increased in Indonesia over the past ten years, concerns over the impulsive buying behavior of Indonesian credit card holders have emerged. Therefore, more attention must be paid to credit risk management of banks as it plays an important role in analyzing the possibility of losses due to the inability of prospective borrowers to repay debts. This study provides empirical evidence about the prudence of commercial banks in Greater Jakarta in offering credit card limits. Using primary micro-data collected from credit card applications submitted to the largest foreign private bank providing retail credit in the Greater Jakarta area in 2019, this study employed multiple regression model to analyze the determinants of credit card limits in the Greater Jakarta. Our empirical findings suggest that age, home location, income, type of industry, and office location of prospective borrowers significantly influence credit card limits. Commercial banks in the Greater Jakarta, thus, have been prudent in offering credit card limits.

Users’ acceptance of financial technology in an emerging market (An empirical study in Indonesia) Suwinto Johan
Jurnal Ekonomi dan Bisnis Vol 23 No 1 (2020)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Tujuan utama penelitian ini adalah untuk mengetahui determinan pemakaian teknologi keuangan oleh konsumen untuk memenuhi kebutuhan keuangannya di pasar negara berkembang. Teknologi keuangan meliputi gerbang pembayaran, pinjaman online, penawaran produk online, literasi keuangan. Penelitian ini menganalisis lima faktor terkait konsumen yakni demografi, psikografi, literasi perbankan, kesadaran teknologi dan kepercayaan terhadap regulator. Dari kelima variabel tersebut dicerminkan ke dalam 15 pengukuran. Dari ke-15 variabel ini akan menjelaskan variabel yang mempengaruhi seseorang dalam menggunakan teknologi keuangan. Penelitian ini mempergunakan binary logit test. Dalam model binary logit test, konsumen yang menggunakan teknologi dan yang tidak menggunakan teknologi akan diukur dengan variabel dummy. Penelitan menggunakan sampel dengan 298 responden. Responden terdiri dari generasi milenial terbesar yakni 56 persen, lulusan perguruan tinggi 75 persen, pendapatan kelas A dan B sebesar 67 persen, memiliki rekening bank sebanyak 95 persen dan memiliki sosial media sebanyak 99 persen. Hasil penelitian menunjukkan bahwa konsumen dari generasi milenial dengan pendapatan kelas A dan B menjadi kelompok penerimaan atau pengunaan teknologi keuangan tertinggi. Jenis kelamin juga memiliki implikasi terhadap penerimaan teknologi. Semua variabel diuji dengan tingkat  <5 persen.

FINANCIAL REPORTING OBLIGATION IN ACCORDANCE WITH CAPITAL MARKET LAW: AN ACCOUNTANT DILEMMA Suwinto Johan; Richard Chandra Adam
Law Review Volume XXII, No. 1 - July 2022
Publisher : Faculty of Law, Universitas Pelita Harapan | Lippo Village, Tangerang 15811 - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/lr.v0i1.5419

According to article 68 of the Capital Market Law (CM Law) states that accountants registered with the Financial Services Authority (FSA) who examine the financial statements of issuers and other parties carrying out activities in the capital market are required to submit a confidential notification to the FSA within three days at the latest. The things that may be reported are violations committed against the provisions of the CM Law or its implementing regulations; or things that could endanger the financial condition of the institution or the interests of its customers. When performing audit actions, the auditor that supports the stock market faces a conundrum. the conflict between society’s interests and the company’s objectives. This study aims to examine how accountants can report financial reports that are suspected of violating applicable laws and regulations and the accountant’s dilemma between regulators or the public interest and issuers as the party paying accountants according to the agency theory. This research uses normative juridical method. This study concludes that accountants can report to regulators after obtaining written explanations from the directors so that reporting cannot be done as soon as possible. Accountants in providing an opinion have a dilemma. The originality of this study highlights the need for professionalism and independence in those who support the capital market. In the event of a violation, capital market support specialists, including auditors, are required to notify the authorities. The appropriate authorities should be informed of the audit’s preliminary findings.

Definisi Perseroan Terbuka atau Publik Menurut Peraturan Perundang-undangan Indonesia Suwinto Johan
JURNAL MERCATORIA Vol 14, No 1 (2021): JURNAL MERCATORIA JUNI
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/mercatoria.v14i1.4429

Dalam masyarakat, kita sering mendengarkan perusahaan terbuka. Perusahaan terbuka seakan-akan menjadi dua suku kata memperoleh penghargaan untuk sebuah perusahaan dalam memperoleh kepercayaan. Banyak masyarakat menginginkan usahanya menjadi perusahaan terbuka. Perusahaan terbuka akan dengan mudah memperoleh dana dari umum. Perusahaan terbuka menurut masyarakat adalah perusahaan yang menawarkan sahamnya di bursa efek. Definisi ini berbeda dengan definisi pada Undang-undang Nomor 8 Tahun 1995 tentang Pasar Modal (UU PM). Perbedaan definisi mengakibatkan timbulnya kebingungan di masyarakat. Penelitian ini bertujuan untuk menganalisis definisi Perseroan Terbatas, Perseroan Terbatas Terbuka berdasarkan UU PT dan UU PM. Penelitian ini mempergunakan metode yuridis normatif. Penelitian ini menyimpulkan bahwa berdasarkan Undang-undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas (UU PT), perseroan terbuka adalah perseroan yang melakukan penawaran umum, sedangkan berdasarkan UU PM, perusahaan publik adalah perseroan yang sahamnya telah dimiliki sekurang-kurangnya oleh 300 (tiga ratus) pemegang saham dan memiliki modal disetor sekurang-kurangnya Rp.3.000.000.000,00 (tiga miliar rupiah) atau suatu jumlah pemegang saham dan modal disetor yang ditetapkan dengan peraturan pemerintah. Definisi penawaran umum terdapat pada UU PM, yakni kegiatan penawaran Efek yang dilakukan oleh emiten untuk menjual efek kepada masyarakat berdasarkan tata cara yang diatur dalam UU PM dan peraturan pelaksanaannya. Dengan adanya Undang-undang Cipta Kerja telah dilakukan sinkronisasi definisi perseroan terbuka dan perseroan publik di UU PM dan UU PT.

Capital Budgeting Analysis in Coal Hauling Subscription Business Model Ignatius Indrawan Sumawinata; Okia Verda Suryani; Suwinto Johan
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 6, No 3 (2022): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v6i3.11681

Volatile coal business conditions have become a challenge for coal mining business practitioners, PT ABC is one of them. PT ABC is a market leader for coal mining hauling equipment in Indonesia. Considering this company is owned by a listed mining company, the company name is covered up. One possible solution is to solidify the revenue by adopting the subscription business model. This study aims to assess investment feasibility by providing a capital budgeting analysis to develop the “Subscription Business Model in Coal Mining Business Sector”. The parameter to verify this project will apply IRR calculation, Net Present Value, Payback Period, ROE, and ROI. The result shows that the IRR value is 28,3%, the Net Present Value is IDR 198,8 Bio, the Payback period is 3,4 years, ROE is 509,1%, and ROI is 50,9%. Through this analysis, it is found that the results indicate the business plan is feasible to implement taking into account all required parameters. Kondisi bisnis batubara yang fluktuatif menjadi tantangan tersendiri bagi para pelaku bisnis pertambangan batubara, salah satunya PT ABC. Perusahaan ini merupakan pemimpin pasar untuk peralatan pengangkutan pertambangan batubara di Indonesia. Sehubungan dengan perusahaan ini dimiliki oleh emiten pertambangan, maka nama perusahaan disamarkan. Dalam rangka memperkuat pendapatan, salah satu solusi yang mungkin dilakukan adalah dengan mengadopsi model bisnis berlangganan. Studi ini bertujuan untuk menilai kelayakan investasi dengan memberikan analisis penganggaran modal untuk mengembangkan “Model Bisnis Berlangganan di Bidang Usaha Pertambangan Batubara”. Parameter untuk memverifikasi proyek ini akan menggunakan perhitungan IRR, Net Present Value, Payback Period, ROE, dan ROI. Hasil penelitian menunjukkan nilai IRR sebesar 28,3%, Net Present Value sebesar Rp. 198,8 Bio, Payback Period 3,4 tahun, ROE 509,1% dan ROI 50,9%. Hasil dari penelitian menunjukkan bahwa seluruh aspek penganggaran modal memenuhi parameter yang disyaratkan sehingga rencana bisnis ini layak untuk dilaksanakan.

Potential Systemic Risk Effects Of Credit Relaxation In The Financial Industry As The Effect The COVID-19 Suwinto Johan
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 4, No 4 (2020): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v4i4.8661

The granting of credit relaxation has caused polemics in the early days of the spread of COVID-19 in Indonesia. As a result of the spread of COVID-19, several industrial sectors have experienced unworkable conditions. Companies in this industry are not able to pay off their financial obligations to the Banking or Financing Company. The government asked financial industry players to provide credit relaxation. This was conveyed by the government, however, without being included with fixed procedures and direct communication with business players. In addition to this relaxation, there is a systemic risk. This research is in the form of qualitative research. This research focuses on the effect of credit relaxation on the finance and banking industries. This research proposes that the government determines the overall policy. Businesses, finance companies, and banks focus on the implementation procedures controlled by the Financial Services Authority. The government needs to take a more aggressive and comprehensive policy towards relaxation policies so that this relaxation policy can be carried out correctly to support the economy of small and medium enterprises again. If this policy is not comprehensive, it is feared that it will create higher new risks to the financial sector and the national economy.

The Structure Of Consumer Finance Industry In Emerging Market (Empirical Evidence : Indonesia 2000-2015) Suwinto Johan
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 1, No 2 (2017): Jurnal Manajemen Bisnis Dan Kewirausahaan
Publisher : Universitas Tarumanagara

The aim of this paper is to study the structure of the Indonesia Finance Company Industry over the periode 2001-2015. The finance company industry is growing rapidly from Rp37 trillion in 2001 to Rp. 425 trillion in 2015 with a compounded annual growth rate (CAGR) of 18%. At the same time, the number company in the industry has reduced from 245 in 2001 to 203 in 2015. We use the Concentration Ratio (CR) and Herfindahl–Hirschman Index (HHI) to measure the structure of the industry. Our sample consists of 97 companies in 2001 to 125 companies to 2015. The empirical results show that Indonesia finance company industry is not highly concentrated. The HHI has reached 451 in 2015 from 313 in 2010. In fact, there is a significant increase in the concentration ratio since 2000 to 2015, especially the concentration in CR 4, CR8 and CR12. The CR4 has reached 34,12%, CR8 has reached 51,15%, CR12 61,72% and CR20 by 76,57%. The CR4 means that the top 4 finance companies has controlled 34,12% over the total productive asset of the financing industry by 2015. The CR4 has almost reached the oligopoly category. However, there is a potential of higher concentration if we group the companies by the shareholders’ ownership, due to the controlling issue of the shareholders.

The Relationship Between Economic Value Added, Market Value Added And Return On Cost Of Capital In Measuring Corporate Performance Suwinto Johan
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 2, No 1 (2018): Jurnal Manajemen Bisnis Dan Kewirausahaan
Publisher : Universitas Tarumanagara

The aim of the paper is to assess the relationship between Economic Value Added (EVA), Market Value Added (MVA) and the traditional financial ratio in measuring investment performance by a holding company. The sample is PT. Astra International, Tbk in Indonesia. Astra is one of the largest conglomerate in Indonesia with diversify business from automotive, financial service, agro, infrastructure and technology. All of the investments are consolidated under single company, which is PT. Astra International, Tbk. The research assessed the financial performance from 2009 – 2016. The research will use Economic Value Added (EVA), Market Value Added (MVA) and Return on Weighted Average Cost of Capital (ROC) as financial measurement tools. The research found that there was a direct relationship between ROC and EVA. Negative EVA and negative ROC did not reflect the MVA on company performance. Negative EVA and ROC, could have positive Market Value Added (MVA). However negative MVA value will also reflect on negative EVA and ROC.

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'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

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