{"id":31,"date":"2022-10-12T12:37:58","date_gmt":"2022-10-12T05:37:58","guid":{"rendered":"https:\/\/hmr.co.id\/?page_id=31"},"modified":"2022-10-15T09:55:39","modified_gmt":"2022-10-15T02:55:39","slug":"herman-ruslim","status":"publish","type":"page","link":"https:\/\/www.hmr.co.id\/id\/herman-ruslim\/","title":{"rendered":"Herman Ruslim"},"content":{"rendered":"<p class=\"separator\" style=\"clear: both; text-align: justify;\"><span style=\"font-size: 12pt;\"><a style=\"clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;\" href=\"https:\/\/3.bp.blogspot.com\/-POS5EkYZU2U\/WTDbcAGlQJI\/AAAAAAAAB0A\/W-F_I02GMbcrMKmRzEm93HSxubRTGQA3wCLcB\/s1600\/herman%2Bruslim.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/3.bp.blogspot.com\/-POS5EkYZU2U\/WTDbcAGlQJI\/AAAAAAAAB0A\/W-F_I02GMbcrMKmRzEm93HSxubRTGQA3wCLcB\/s200\/herman%2Bruslim.jpg\" width=\"200\" height=\"200\" border=\"0\" data-original-height=\"431\" data-original-width=\"431\" \/><\/a><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><font color=\"black\">Mengapa kita membutuhkan penilaian perusahaan, teori keagenan mengatakan bahwa ada konflik antara agen n pemegang saham atau pemangku kepentingan, juga ada konflik antara pemegang saham dan kreditur, konflik muncul karena informasi asimetri, dengan mengetahui nilai, perusahaan akan sadar, betapa pentingnya tujuan perusahaan. Karena nilai perusahaan bersifat dinamis, maka diperlukan nilai perusahaan secara berkala apakah sejalan dengan visi dan misi untuk mencapai penciptaan nilai yang unggul. Kami juga membantu perusahaan untuk menghitung ESOP, Call Price, Put Price, Hedging Price untuk risiko finansial dan risiko kredit khususnya untuk perusahaan yang tidak terdaftar, dengan Black Scholes dan Model Binomial. Penilaian Aset Tidak Berwujud seperti tenaga kerja, paten, royalti, teknologi, daftar pelanggan, nama merek, kami dan tim dapat membantu Anda menghitung aset tidak berwujud Anda dan jika terjadi merger dan akuisisi, kami membantu auditor untuk menghitung niat baik untuk alokasi harga pembelian . Yang Membutuhkan Penilaian Bisnis: Otoritas Pajak, OJK, Pemangku Kepentingan, Pemerintah, Manajemen, Komisaris, Auditor Independen, Konsultan Pajak, Pemegang Saham, Kreditur, dan Investor<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 12pt;\"><b style=\"text-align: justify;\">PENGALAMAN<\/b><\/span><\/p>\n<div><span style=\"font-size: 12pt;\"><strong><span lang=\"EN-US\">Working Period as a Trainer<\/span><\/strong><\/span><\/div>\n<ul>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">11 November 2009, <\/span><span lang=\"EN-US\">IICD (Indonesia Institute for Corporate Directorship). Occupation: Finance for Director \u2013 Pembicara. Topic: Valuation Interpreting Financial Statement and Performances;<\/span><\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">8 April 2010, <\/span><span lang=\"EN-US\">Finance for Director \u2013 Pembicara.<\/span><span lang=\"EN-US\"> Weighted Average Cost of Capital (WACC), Raising Capital;<\/span><\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">9-11 Oktober 2010, <\/span><span lang=\"EN-US\">Bandung, IICD-ASGARA \u2013 Risk Management Integration for Insurance Companies BUMN;<\/span><\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">May 2011<\/span><span lang=\"EN-US\"> Yogjakarta, IICD seminar for \u2018Board Roles, Director Duties and Liabilities\u201d;<\/span><\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">12 November 2010,<\/span><span lang=\"EN-US\"> Untar \u201cDiscussion Forum Corporate Governance and Risk Management\u201d;<\/span><\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">09 July 2011 \u2013 14 July 2012,<\/span><span lang=\"EN-US\"> Inhouse Training Basic Accounting for ODP BNI, Batch II, as an Instructor;<\/span><\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">11 Agustus 2011,<\/span><span lang=\"EN-US\"> Le Meridien Hotel, Golden Bridge Indonesia, Speaker \u201cStrategic Valuation for Leadership\u201d;<\/span><\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">15 September 2011,<\/span><span lang=\"EN-US\"> Universitas Tarumanagara, \u201cSeminar Nasional Kewirausahaan dan Inovasi Bisnis I\u201d Sebagai Moderator.<\/span><\/span><\/li>\n<\/ul>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">Periode Bekerja Sebagai Profesional<\/span><\/b><\/span><\/div>\n<ul>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">2014 &#8211; Present, KAP Herman Ruslim. Jabatan Fungsional: Pimpinan KAP;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">2013 &#8211; Present, KJPP Herman Meirizki dan Rekan. Jabatan Fungsional: Managing Partner;<\/span><span style=\"font-size: 12pt;\">\u00a0<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">2012 &#8211; Present, Kaprodi MAKSI dan PPA Untar;<\/span><\/li>\n<li><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">2010 &#8211; 2013,<\/span><b> <\/b><span lang=\"EN-US\">KAP Utoyo Widyasari dan Iwan. Jabatan Fungsional: Manager Audit. Job Responsibilities: General Audit, Agreed Upon Procedures, dan Mengawasi dan mereview kertas kerja audit;<\/span><\/span><\/li>\n<li>2009 &#8211; 2012,<span lang=\"EN-US\" style=\"font-size: 12pt;\"> KJPP Paulus Tedjalaksana. Jabatan Fungsional: Associate Managing Partner. Job Responsibilities: Business\/ Company Valuation. Including: Penilaian entitas bisnis, penyertaan, instrument surat berharga dan derivative, penilaian hak dan kewajiban perusahaan, penilaian aktiva tidak berwujud, penilaian kerugian ekonomis yang diakibatkan oleh suatu kegiatan atau peristiwa tertentu (economic damage), penilaian atas transaksi material dan\/ atau transaksi benturan kepentingan, opini kewajaran, studi kelayakan usaha.<\/span><\/li>\n<li>February 2004 \u2013 Present, Konsultan Keuangan Herman &amp; Rekan\u00a0<span lang=\"EN-US\" style=\"font-size: 12pt;\">Job Responsibility as Managing Partner\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Company Valuation, Restructuring, Spin off, Reorganization, Financing; Business Plan\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Risk Management Banking;\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Good Corporate Governances Banking;\u00a0<\/span><span lang=\"IT\" style=\"font-size: 12pt;\">Merger &amp; Acquisition (M&amp;A), IPO &amp; Investment\u00a0<\/span><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Risk Management, Valuation and Fundamental Analysis Activities\u00a0<\/span><\/span><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Restructuring, Valuation and Business Plan Activities.<\/span><\/span><\/li>\n<\/ul>\n<div><strong>PENILAIAN<\/strong><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Valuation PT. <\/span><span lang=\"IT\">Sarana Mitra Lestari (Optimizing Company);<\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"SV\">Valuation PT. Lautan Berlian Utama Motor (Mitsubishi Group);<\/span><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Business Plan Indomobile Group (Suzuki);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Business Plan Proton Group (Proton);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Trias Inti Saputra (Panel Company);<\/span><\/div>\n<div><span lang=\"SV\" style=\"font-size: 12pt;\">Valuation PT. Alam Makmur Semesta (AMS);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Surveyor Carbon Consulting Indonesia (SCCI);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Database Management Systems (DAMASA);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Restructuring PT. Mitra (Pesan Delivery);<\/span><\/div>\n<div><span lang=\"FI\" style=\"font-size: 12pt;\">Valuation PT. Sarana Maju Lestari (IT);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Merger and Acquisition of PT. Beta Raya (Farm);<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Restructuring and Valuation of PT. <\/span><span lang=\"PT-BR\">Panganmas Inti Persada (Flour Company);<\/span><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Fundamental Analysis Bank Bukopin;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Fundamental Analysis Bank Central Asia;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Fundamental Analysis Bank BRI;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Fundamental Analysis Bank Mandiri;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">GCG Charter HD Finance;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Taspen Risk Management Manual;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Value at Risk Bank Bukopin;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation of Bank Permata;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Merger and Acqusitions of Bank;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Others<\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">August 98 \u2013 February 2004<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"SV\">Badan Penyehatan Perbankan Nasional (BPPN)\u00a0<\/span><\/b><\/span><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">Job Responsibility as Shareholders Settlement (2001 \u2013 2004);<\/span><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Handling Account Bank Mashill, Bank Lautan Berlian, Bank Bira and Bank Sanho;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Doing Risk Management analysis each of the account and maximizing recovery rate for the IBRA;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Value at Risk (Bad debt Risk and Bank Risk);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Financial Advisory;<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Restructuring each of the obligor ; asset swaps, equity swap and settlements;<\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Doing Company Valuation, business plan and bad debt analysis with 5 C\u2019s and Altman Z Scores;<\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><strong><u><span lang=\"EN-US\">Job Responsibility as Team Leader (1998-2001)<\/span><\/u><span lang=\"EN-US\">:<\/span><\/strong><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Restructuring bad debt company; Asset Swap, Equity Swap and Modify Terms and Conditions<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Prepare financial model and credit analysis with 5 C\u2019s;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Risk Management Analysis (IAATMC Model);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Implement Good Corporate Governances with OECD Policy;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Prepare Offering Letter;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Review Draft Restructuring Agreement\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation of May Bank (Bank);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Restructuring and spin off PT. Polyfin Canggih (Textiles);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Restructuring and Spin off PT. Raja Besi (Steel Company)<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation Gajah Tunggal Group;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation Kiani Kertas Group;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Nirwana Bakrie Hotel (Bali);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Pangansari (Freeport Catering);<\/span><\/div>\n<div><span lang=\"IT\" style=\"font-size: 12pt;\">Valuation PT. Dwimitra Nusantara (Hotel Bali);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Rama Multifinance (Finance Company);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Asuransi Prima Perkasa Int\u2019l (Insurance Company);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Aspac Uppindo Securities (Securities Company);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Mitra Investama Securities (Securities Company);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Batu Penggal Chemical Industry;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Lacosta Indah;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation of May Bank (Bank);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Kino Consumer Philippines<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Kino Consumer Malaysia;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Jembo Cable;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Natural Resources;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Sejahtera Eka Graha;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Valuation PT. Hotel Holiday Inn, Cikarang;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Audit PT. Continental Pratama;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Audit PT. MHB Indonesia<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Audit PT. DSL Indonesia<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Audit PT. Arna Semesta;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Audit PT. Gracia Globalindo<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">AUP IKAXA<\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">July 97 \u2013 August 98<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">Bank Umum Nasional BBO<\/span><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Job Responsibility as Relationship Manager.\u00a0<\/span><\/div>\n<ul>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Maintain relationship with corporate customer;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Doing credit analysis wtih 5 C\u2019s;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Asset Sales Valuation; <\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Risk Management Analysis;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Monitoring the existing corporate credit;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Report the progress of corporate customers and problems if any;<\/span><\/li>\n<li><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Prepare Offering Letter and Review draft Agreement.<\/span><\/span><\/li>\n<\/ul>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">June 92 \u2013 July 97<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">Indover Bank<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Job Responsibility as Relationship Manager<\/span><b><u><\/u><\/b><\/span><\/div>\n<ul>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Maintain relationship with corporate customers;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Doing credit analysis with 5 C\u2019s;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Asset Sales Valuation; <\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Credit Supervision and action plan each of the account;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Corporate credit Scoring each of the account;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Manage Corporate customers and problems shooters;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Manage the credit accounts and staffs as well<\/span><\/li>\n<\/ul>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Feb 88 \u2013 June 92<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Public Accountant Joseph Susilo &amp; Co <\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Job Responsibility as Auditor<\/span><\/span><\/div>\n<ul>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Doing compliance test and substantive test;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Prepare working papers;<\/span><\/li>\n<li><span lang=\"EN-US\" style=\"font-size: 12pt;\">Review draft audit.<\/span><\/li>\n<\/ul>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">PENDIDIKAN<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">June 2013. Certified Public Accountant<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">December 2011. <\/span><\/b><span lang=\"EN-US\">MAPPI (Cert), Pass Certified Appraisal<\/span> <span lang=\"EN-US\">Indonesia<\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">Jan 05 \u2013 July 09. <\/span><\/b><span lang=\"EN-US\">PHD Degree in University of Padjadjaran (UNPAD), Majoring in Financial Management, (Yusidium: Very Satisfaction). <\/span><span lang=\"EN-US\">Dissertation: The effect of stock return and Firm characteristic to dynamic capital structure for non-financial companies listed at Bursa Efek Indonesia (BEI) <\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Jan 05 \u2013 February 06. Ak (Accountant) Degree at PPAK of Universitas Indonesia <\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Sept 89 \u2013 Sept 91. Master of Business Administration (S2), Majoring in Finance, GS Fame Institute of Business an affiliated with Philippines Business Administration, Jakarta. <\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">June 84 \u2013 June 89. Bachelor Degree (S1), Majoring in Accounting,University of Trisakti, Jakarta <\/span><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">April 81 \u2013 April 84. High School, SMA Bunda Hati Kudus, Jakarta<\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">PELATIHAN<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Sept 93 \u2013 Oct 93. <\/span><span lang=\"EN-US\">Institute Bankir Indonesia<\/span><span lang=\"EN-US\"> \u2013 Credit Analyst and Marketing, including Principles, Credit<br \/>Approach, Project Financing Evaluation, Credit Analyst, Syndication, Loan Supervision, Monitoring and Credit Management.<\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">June 96 \u2013 October 96. Indover Asia Limited, Hongkong \u2013 Syndication Loan and Project Financing Loan. (Hongkong);<\/span><b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Jan 05 \u2013 November 05. Indonesia Property Institute of Technology in Association with Pusat Studi Properti<br \/>Indonesia (PSPI) has completed Certified Property Analyst (CPA) Program;<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">29 May 06 \u2013 11 June 06. <\/span><span lang=\"FI\">Ikatan Akuntan Indonesia \u2013 \u201cUSAP REVIEW 2006\u201d;<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">5 Jan 08. <\/span><span lang=\"SV\">Level dan Pemetaan Disertasi Bidang Kajian Keuangan \u2013 UNPAD;<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"SV\">21 Februari 09<\/span> <span lang=\"EN-US\">Outlook Bisnis Indonesia Pasca Krisis Keuangan Global &#8211; UNPAD<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">27 Oct 09 \u2013 29 Oct 09. Professional Director Program \u2013 IICD (Indonesia Institute Corporate Directorship)<\/span><b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">December 2, 2009. Half Day International Seminar on Corporate Social Responsibility \u201cGlobal Economy<br \/>Challenge, Opportunity and Recovery;<b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">29 Oktober 2010. <\/span><span lang=\"FI\">Kuliah Umum Akuntansi Manajamen \u201cManajemen Lingkungan untuk Memperbaiki Laba Perusahaan\u201d;<\/span><b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">1-4 November, 2010.<br \/>Training of Trainers Corporate Governance Board Leadership Program for the Banking Sector Ayodya Resort, Bali,<br \/>Indonesia;<b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">19 November 2010. Kuliah umum Akuntansi Keuangan PSAK 13: Propreti Investasi berbasis IFRS;<b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">30 Desember 2010. Seminar Tentang Otoritas Jasa Keuangan;<b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">4 Maret 2011. <\/span><span lang=\"SV\">Teknik Matematika Ekonomi dan Keuangan;<\/span><b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">29 April 2011. Corporate Governance, Corporate Social Responsibility, Synergy, Dean The La Salle University of Philippines, Prof Dr. Wilfreida;<b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">23-26 May 2011. Bali,Towards One Global Standard, The Challenges and Opportunities of IFRS Adoption in the<br \/>Asia Ocean Region organized by Ikatan Akuntan Indonesia (IAI);<b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">27 June 2011\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">BI-OECD Regional Asian Seminar on Financial Literacy: Towards a National Strategy on Financial<br \/>Education;<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">23 Maret 2014. PenerapanPSAK 46 (R2014) dan Pelaporan Keuangan Terkait Ketidakpastian Perpajakan;<\/span><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">25 Oktober 2015. Workshop Audit Working Paper;\u00a0<\/span><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">15 Desember 2015. Critical Accounting dan Audit Issues PSAK 4, PSAK 15, PSAK 65, PSAK 66 dan PSAK 67<br \/>Terkait Implementasinya Pada Industri Minerba dan Oil &amp; Gas\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Workshop Critical Overview SPAP Baru Berbasis International Standards on Auditing (ISA);<\/span><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">28 Juni 2016. Workshop Critical Overview SPAP Baru Berbasis International Standards on Auditing (ISA);<\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">Aktifitas Mengajar<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">2009 &#8211; present<\/span><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">University<\/span><\/b><b><span lang=\"EN-US\"> of Tarumanagara<\/span><\/b><b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Occupation:\u00a0<\/span><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Finance Lecturer\u00a0<\/span><\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Portfolio Theory and Security Analysis (Master Degree),\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Akuntansi dan Pelaporan Keuangan (Master) dan PPA Degree\u00a0<\/span><span lang=\"SV\" style=\"font-size: 12pt;\">Pengetahuan Pasar Modal (Master Degree)\/ PPAK (Ak)\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Seminar Akuntansi Manajemen Lanjutan, Master Degree\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Introduction to Business (Bachelor Degree)\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Invesment Management (Bachelor Degree),\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Financial Management (Bachelor Degree),\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Risk Management (Bachelor Degree),\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Organisation Behaviour (Bachelor Degree),\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Financial Accounting Theory (Master Degree),\u00a0<\/span><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Management Accounting (Master Degree).<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">1993 \u2013 2010<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">Trisakti<\/span><\/b><b><span lang=\"EN-US\"> School\u00a0<\/span><\/b><b><span lang=\"EN-US\">Management<\/span><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Intermediate Accounting,\u00a0<\/span><span lang=\"EN-US\" style=\"font-size: 12pt;\">Advanced Accounting,\u00a0<\/span><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Principles Accounting<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">2009 \u2013 Present<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">University<\/span><\/b><b><span lang=\"EN-US\"> of Pancasila<\/span><\/b><b><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Teori Portfolio and Security Analysis- Master Degree,<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Seminar Akuntansi,<br \/>Perpajakan \u2013 Master Degree.<\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">2010 &#8211; Present<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">University of Maranatha<\/span><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Risk Management (MM Degree);<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Institute Depository Lembaga Keuangan (Financial Institution) (MM Degree)<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">2009 \u2013 Present<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">UKRIDA<\/span><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Managerial Finance\u00a0(Master Degree)<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Seminar Akuntansi Manajemen (Master Degree)<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Financial Engineering and Restructuring (Master Degree)<\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">2012- Present <\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Kaprodi Magister<br \/>Akuntansi dan Pendidikan Profesi Akuntan Untar<\/span><b><\/b><\/span><\/div>\n<div><span style=\"font-size: 12pt;\">\u00a0<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">PENELITIAN DAN KARYA ILMIAH\u00a0<\/span><\/b><\/span><span style=\"font-size: 12pt;\"><b><span lang=\"EN-US\">YANG DILAKUKAN OLEH DR. HERMAN<br \/>RUSLIM SE., AK., MM<\/span><\/b><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Dampak Imbal Hasil Saham Terhadap Struktur Modal Dinamis; (University of Tarumanagara);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Pengujian Teori <i>Pecking Order\u00a0<\/i>vs <i>Tradeoff Theory<\/i>; (University of Tarumanagara);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Akuntansi Restrukturisasi (University of Tarumanagara);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Bank, Credit, Risk dan Permasalahannya (University of Ukrida);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Pengujian CAPM Theory; (UKRIDA);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Pengujian Struktur Modal (<i>Pecking Order Theory<\/i>): Analisa Empiris Perusahaan di LQ 45; (<i>Trisakti School of Management<\/i>);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Faktor-faktor yang mempengaruhi Struktur Modal (<i>Trade-off Theory<\/i>): Analisa Empiris Perusahaan di LQ 45;<br \/>(Universitas Multimedia Nusantara);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Faktor-faktor yang Mempengaruhi Initial Return Pada IPO di BEI; (University of Pancasila)<\/span><\/div>\n<div><span style=\"font-size: 12pt;\"><span lang=\"EN-US\">Struktur Modal di <\/span><span lang=\"EN-US\">LQ 45: Analisis Empiris Menggunakan Data Panel (Nilai Pasar vs Nilai Buku); (University of Maranatha);<\/span><\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Implementasi Merger, Akuisisi dan Restrukturisasi Pada Perusahaan-Perusahaan di Indonesia<br \/>(Ukrida);\u00a0<\/span><span lang=\"FI\" style=\"font-size: 12pt;\">Implementasi Manajmen Risiko Perusahaan Asuransi (Ukrida);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Anomali Initial Public Offering (Ukrida);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Mengapa Struktur Modal Bersifat Dinamis (University of Tarumanagara);<\/span><\/div>\n<div><span lang=\"EN-US\" style=\"font-size: 12pt;\">Pengaruh Volatilitas Harga Saham, Volume Transaksi, dan Frekwensi Transaksi Terhadap Prilaku Investor; (Finance Behaviour Approach);<\/span><\/div>\n<div><span style=\"font-size: 12pt;\">Pengaruh Makroekonomi terhadap IHSG, Studi Kasus di BEI.<\/font><\/span><\/div>\n<p><!-- [if gte mso 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List\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Outline List 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Outline List 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Outline List 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Simple 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Simple 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Simple 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Classic 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Classic 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Classic 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Classic 4\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Colorful 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Colorful 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Colorful 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Columns 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Columns 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Columns 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Columns 4\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Columns 5\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 4\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 5\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 6\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 7\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Grid 8\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 4\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 5\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 6\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 7\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table List 8\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table 3D effects 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table 3D effects 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table 3D effects 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Contemporary\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Elegant\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Professional\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Subtle 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Subtle 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Web 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Web 2\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Web 3\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Balloon Text\"\/>\n<w:LsdException Locked=\"false\" Priority=\"39\" Name=\"Table Grid\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Table Theme\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" Name=\"Placeholder Text\"\/>\n<w:LsdException Locked=\"false\" Priority=\"1\" QFormat=\"true\" Name=\"No Spacing\"\/>\n<w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading\"\/>\n<w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List\"\/>\n<w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid\"\/>\n<w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List\"\/>\n<w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading\"\/>\n<w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List\"\/>\n<w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid\"\/>\n<w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 1\"\/>\n<w:LsdException Locked=\"false\" SemiHidden=\"true\" Name=\"Revision\"\/>\n<w:LsdException Locked=\"false\" Priority=\"34\" QFormat=\"true\" Name=\"List Paragraph\"\/>\n<w:LsdException Locked=\"false\" Priority=\"29\" QFormat=\"true\" Name=\"Quote\"\/>\n<w:LsdException Locked=\"false\" Priority=\"30\" QFormat=\"true\" Name=\"Intense Quote\"\/>\n<w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"19\" QFormat=\"true\" Name=\"Subtle Emphasis\"\/>\n<w:LsdException Locked=\"false\" Priority=\"21\" QFormat=\"true\" Name=\"Intense Emphasis\"\/>\n<w:LsdException Locked=\"false\" Priority=\"31\" QFormat=\"true\" Name=\"Subtle Reference\"\/>\n<w:LsdException Locked=\"false\" Priority=\"32\" QFormat=\"true\" Name=\"Intense Reference\"\/>\n<w:LsdException Locked=\"false\" Priority=\"33\" QFormat=\"true\" Name=\"Book Title\"\/>\n<w:LsdException Locked=\"false\" Priority=\"37\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" Name=\"Bibliography\"\/>\n<w:LsdException Locked=\"false\" Priority=\"39\" SemiHidden=\"true\" UnhideWhenUsed=\"true\" QFormat=\"true\" Name=\"TOC Heading\"\/>\n<w:LsdException Locked=\"false\" Priority=\"41\" Name=\"Plain Table 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"42\" Name=\"Plain Table 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"43\" Name=\"Plain Table 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"44\" Name=\"Plain Table 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"45\" Name=\"Plain Table 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"40\" Name=\"Grid Table Light\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful Accent 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful Accent 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful Accent 5\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful Accent 6\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"List Table 1 Light\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"List Table 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"List Table 3\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"List Table 4\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"List Table 5 Dark\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"List Table 6 Colorful\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"List Table 7 Colorful\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"List Table 1 Light Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"List Table 2 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"List Table 3 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"List Table 4 Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"List Table 5 Dark Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"List Table 6 Colorful Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"52\" Name=\"List Table 7 Colorful Accent 1\"\/>\n<w:LsdException Locked=\"false\" Priority=\"46\" Name=\"List Table 1 Light Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"47\" Name=\"List Table 2 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"48\" Name=\"List Table 3 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"49\" Name=\"List Table 4 Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"50\" Name=\"List Table 5 Dark Accent 2\"\/>\n<w:LsdException Locked=\"false\" Priority=\"51\" Name=\"List Table 6 Colorful Accent 2\"\/>\n<w:LsdException 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Since the company value<\/p>\n<div><a class=\"btn-filled btn\" href=\"https:\/\/www.hmr.co.id\/id\/herman-ruslim\/\" title=\"Herman Ruslim\">Read More<\/a><\/div>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-31","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/pages\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":3,"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/pages\/31\/revisions"}],"predecessor-version":[{"id":191,"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/pages\/31\/revisions\/191"}],"wp:attachment":[{"href":"https:\/\/www.hmr.co.id\/id\/wp-json\/wp\/v2\/media?parent=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}