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Credit Restructuring During the Covid-19 Pandemic : Is it Consistent with Predictions ? Agung Anggoro Seto; Deny Susanto; Miftahorrozi Miftahorrozi; Tienni Mariana Simanjorang; Irwan Moridu; Nurcahya Hartaty Posumah
Enrichment : Journal of Management Vol. 12 No. 4 (2022): October: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (551.159 KB) | DOI: 10.35335/enrichment.v12i4.705

Abstract

Restructuring credit is one of the government's measures to anticipate the impact of the COVID-19 pandemic on the banking industry. This study aimed to determine whether the implementation of credit restructuring meets the predicted expectations. This research was a comparative type. This study employed three variables; Non-Performing Financing (NPF), Financial Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR). The data was utilised quantitative, and the source was secondary information in the form of financial statements. The data was collected using documentation and literature review methods. This study's population consisted of all Islamic commercial banks in Indonesia, comprising 15 banks. The sampling technique employed purposive sampling with a total sample of 10 Islamic commercial banks. The findings revealed that the NPF and CAR values differed before and after credit restructuring. Meanwhile, FDR discovered the inverse outcome, with no difference in FDR before and after credit restructuring. The research result demonstrated that the credit restructuring that has been taking place throughout the COVID-19 pandemic had matched the predicted expectations, with the NFP of Islamic commercial banks decreasing and CAR increasing. On the other hand, credit restructuring has not been able to give a positive boost and can only stabilise the FDR of Islamic commercial banks in Indonesia.
URGENSI PENGATURAN DATA DIGITAL/ ELEKTRONIK PRIBADI Deny Susanto
Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Vol. 2 No. 3 (2022): Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/bureau.v2i3.110

Abstract

Regulation of Personal Data is a type of legal protection for individual citizens that is urgently required in Indonesia right now. This protection is needed in all spheres of community life, including business activities and other fields of life, where data processing relating to individuals concerning identity, whether confidential or not, is involved. In order to understand the urgency and effective management of personal data protection in Indonesia, this research uses normative legal research to review regulatory rules related to data protection. It is hoped that this research will result in the formulation of a comprehensive regulation on protection arrangements and private information in Indonesia
Belt Road Initiative (BRI) Dan Kerangka Kebijakan Hukum Ekonomi Indonesia Deny Susanto
JUEB : Jurnal Ekonomi dan Bisnis Vol. 1 No. 3 (2022): JUEB: Jurnal Ekonomi dan Bisnis
Publisher : Yayasan Jompa Research and Development

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55784/jueb.v1i3.272

Abstract

Belt Road Initiative (BRI) adalah suatu inisiasi program ekonomi yang memfokuskan pada pembentukan jaringan yang memungkinkan aliran perdagangan bebas yang lebih efisien dan produktif serta integrasi lebih lanjut di pasar internasional, baik secara fisik maupun digital. Berbagai institusi regional tersebut memperlihatkan, bahwa kedekatan geografis merupakan salah satu unsur penting dalam menjalin kerja sama di tinkat regional. Institusi-institusi regional tersebut memudahkan aktivitas perdagangan, meminimalisir hambatan tariff dan nontarif, mengurangi biaya perdagangan, dan lebih mudah untuk memproyeksikan kekuatan militer di Kawasan. Metode penelitian yang digunakan adalah penelitian normative yang berfokus pada kebijakan-kebijakan yang menjadi suatu landasan aturan serta penggunaan bahan sekunder berupa kajian ilmiah yang relevan. Diharapkan dalam penelitian ini program BRI dapat digunakan sebagai jembatan untuk menjalin kerja sama dengan berbagai negara di tingkat internasional terutama pertumbuhan ekonomi di Indonesia.
PENDEKATAN BUDAYA HUKUM SEBAGAI SUBSISTEM HUKUM DALAM PEMBENTUKAN UNDANG-UNDANG CIPTA KERJA Deny Susanto
KOLONI Vol. 1 No. 2 (2022): JUNI 2022
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (365.075 KB) | DOI: 10.31004/koloni.v1i2.210

Abstract

The Job Creation Act's ratification offers the most recent rules for labor laws in Indonesia. These guidelines are part of regulatory norms that adapt to legal culture, particularly those pertaining to the community's legal interests, which are covered by the labor law sector. The study methodology employed is normative research, which involves keeping an eye on the Employment Creation Act's regulations, related employment discussions, and labor laws before they are changed. This study aims to evaluate the applicability of taking legal cultural factors into account when creating relevant laws and regulations. The results of this study indicate that the consideration of legal cultural issues has not been ideal in the development of connected legislation, and as a result. Keywords: Cipta Kerja Act, Culture Law, Labour
Protection of Personal Data in Business: An Overview of the Perspective of Business Ethics and Its Implications for Regulatory Compliance Deny Susanto
Indonesian Journal of Contemporary Multidisciplinary Research Vol. 2 No. 2 (2023): March 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/modern.v2i2.3459

Abstract

This paper aims to provide a comprehensive analysis of the protection of personal data in the business sector from the perspective of business ethics. With the increasing use of technology and the internet, the use of personal data have become prevalent in the business world. However, the misuse of personal data has also become a significant concern for individuals and regulators alike. In this study the ethical considerations surrounding the use and disclosure of personal data by businesses. Businesses have a moral obligation to protect the personal data of their customers and stakeholders and that adherence to ethical principles is essential for long-term sustainability. This paper highlights the importance of ethical standards in the use of personal data in business
Sharia-Based Legal Formula For Personal Data Protection In The Financial Services Industry Post-Covid-19 Pandemic Deny Susanto
BULLET : Jurnal Multidisiplin Ilmu Vol. 1 No. 04 (2022): BULLET : Jurnal Multidisiplin Ilmu ( Agustus-September)
Publisher : CV. Multi Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

As a country with a substantial Muslim population, Indonesia provides a market for sharia-based financial firms. Corporate organizations, minimal liability companies, seek the most effective way to promote business growth. One objective is to develop its digital ecosystem for the financial services industry, including banking, insurance, capital markets, and non-bank financing organizations. The most crucial factor is the corporation's attempts to deliver effective and efficient services in response to the community's demands as the number of Covid-19 cases continues to fall and the economy begins to improve. This study aims to examine the perspectives on formulating the right and applicable law for the protection of personal data in the management conducted by corporations in the sharia-based financial services sector in Indonesia during the Covid-19 pandemic as post-pandemic expectations. Covid-19 examines law enforcement for potential personal data violations on technology users by businesses. Finding an appropriate and effective legal formulation that can be fundamentally applied in the form of fair regulations and in accordance with sharia values in parallel is the result of the research, and it can be concluded that the formulation of legal rules can rapidly provide regulatory solutions to achieve an equilibrium of rights. and justice for businesses based on sharia law.
Establishment Of The Asset Confiscation Law To Minimize Corruption In Indonesia Hudjolly Hudjolly; Rabith Madah Khulaili Harsya; Fatima Suatrat; Kalijunjung Hasibuan; Deny Susanto
As-Syar'i: Jurnal Bimbingan & Konseling Keluarga Vol 6 No 2 (2024): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Fakultas Syariah IAIN Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/as.v6i2.6569

Abstract

This research is qualitative research with a descriptive approach, namely describing a number of things that are closely related to confiscation of assets in criminal law, criminal acts of corruption, and other things. The data used in this research is secondary data in the form of the Criminal Code, Civil Code, statutory regulations, the official website of the House of Representatives, other credible websites, and so on. The researchers analyzed the data using grammatical and systematic legal analysis techniques, namely interpreting every word in the legislation and connecting it with other secondary data or other related legislation. The result in this article show there are three major urgencies for the presence of the Law on Asset Confiscation in Indonesia, namely to provide instruments that are stricter than the current regulations because in the Criminal Code, asset confiscation is only an additional crime and not the main crime, providing a deterrent effect for corruptors and potential corruptors, and of course minimizing corruption cases in Indonesia. Under existing legal structures, state losses resulting from criminal acts of corruption cannot be recovered. Recovering state losses takes years and may not even be returned at all. What is meant to provide a deterrent effect in this research is to impoverish corruptors, change the nomenclature of words whose nature is emphasized from facultative to imperative, and change its status not only to become an additional crime, but also to become a principal crime. On this basis, researchers are of the opinion that the presence of asset confiscation laws in Indonesia can be effective in minimizing the occurrence of corruption in Indonesia.