Dr. Ir. Yosman Bustaman, M.Buss.


  • Widely experienced in Banking and Finance Industry before becoming a Lecturer in SGU.

Education Background

  • Doctor in Banking and Finance from Graduate Business School Faculty Economics and Business Universitas Indonesia( 2012-2015)
  • Master of Business in Accounting and Finance, Victoria University, Melbourne 2004
  • Civil Engineer, Institut Teknologi Bandung, 1984-1989

Knowledge Field

  • Finance
  • Financial Risk Management
  • Banking and Financial Services Industry
  • Capital Market

Research Interest:

  • Banking Performance and Risk
  • Liquidity Creation and Digitalization in Banking Industry
  • Market Micro Structure in the Capital Market
  • Corporate Governance
  • Dividend and Firm Value

Teaching Area:

  • Corporate Finance
  • International Finance
  • Business Research Method
  • Risk Management in Finance
  • Banking Management and Finance Industry


  • Impact of Interest Margin, Market Power and Diversification Strategy on Banking Stability: Evidence from ASEAN-4
  • Impact of Loan Portfolio Diversification and Income Diversification on Interest Margin in ASEAN Banking Market (2016)
  • Firm Profitability, Ownership Structure, and Dividend Policy on the Indonesian Manufacturing Companies
  • Re-Examining Dividend Payout, Proportion Of Ownership And Firm’s Value In Indonesia (2020)
  • Monetary Shock, Banking Risk, and Bank Lending Channel: Evidence from Indonesian Banking Industry
  • Ownership concentration, corporate liquidity, and dividend payment policy: evidence from Indonesian financial industries
  • Liquidity Using Corwin and Schultz Approach and Stock Returns in the Indonesian Capital Market
  • CEO Characteristics on Cash Holdings & Overinvestment: Evidence from Indonesian Firms
  • Impact of Liquidity, Ownership, Global Financial Crisis, and Capital Adequacy Ratio on Indonesian Banking Profitability Period 2007-2016
  • Foreign Bank Entry and Credit Allocation to SMEs: Evidence from ASEAN Countries

Professional Certifications:

  • Bank Development Officer Program
  • Certified Advisor for UMKM Business


Alam Sutera Campus:
The Prominence Tower Alam Sutera, Jl. Jalur Sutera Barat. No. 15, RT.003/RW.006, Panunggangan Tim., Kec. Pinang, Kota Tangerang, Banten 15143

Phone: +6221 2977 9596/9597
Fax +6221 2977 9598


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