In 2001 SC Johnson launched The Greenlist™ program. The GreenlistTM is company program to evaluate and assess the ingredients of SC Johnson product.  The program has goal to continually improve products by choosing ingredients that better protect human health and the environment. However, SC Johnson using its own assessment process to claim the safety of the product and the social and environment protection and put their patented logo based on their own company assessment.  For that SC Johson faces several law suits which some have been settled out of court. The questions are Is Company owned assessment a fair method to make any safety and environment claim?; From ethical point of view, is such practice acceptable from the view of accountability, tranparancy and fairness?; Is SC Johnson doing Greenwashing marketing?

Indonesia was facing both a pandemic and an economic crisis. Saving human lives during the coronavirus outbreak was a priority, and the treatment of the nation’s economy — amid spiraling unemployment rates — would have ramifications for the country’s future. In April 2020, the coronavirus epidemic had already spread nationwide and on April 9, 2020, the governor of Jakarta announced that large scale social restrictions (PSBB) were to be held in the capital. These restrictions were later extended until 22 May 2020. These large-scale social restrictions had a massive impact on the F&B industry. No dine-in customers were allowed as citizens were told to stay at home. More than 6800 restaurants were forced to close down and over 200,000 employees in this industry had to be laid off amid the coronavirus. The Hachi Group, a restaurant chain worried that their restaurants would become a potential source of infection. Closing outlets would mean stopping sales and producing no income without knowing when this pandemic would end, therefore while risking the future of the company. On the other hand, remaining open would produce sales but at the risk of the safety of their workers and their customers. Any decision would greatly affect the company.  

The Association of Certified Fraud Examiners (2016) indicates that asset misappropriation is the most common form of occupational fraud. There are six other types of frauds such as collusion, commissions, fictitious sales, rebates, refunds, and write-offs. Asset misappropriation includes examples relating to theft of cash, misuse of inventory, and fraudulent reimbursement. The most interesting part of this case was a financial innovation product called JS Saving Plan. It was a ‘bancassurance’ insurance product, with protection for five years, but with a one-year investment period. The product was distributed through eight Indonesian banks: Bank Rakyat Indonesia, Bank Tabungan Negara, KEB Hana Bank Indonesia, DBS Indonesia, ANZ Indonesia, QNB Indonesia, Standard Chartered and Bank Victoria International. JS Saving Plan was sold with the minimum amount of IDR 100 million (USD 6890, with an exchange rate of 1USD = Rp 15,000) The scheme claim the investor would be paid on a yearly basis unless the customer requested an extension of the policy or rolled it over. After the claim was paid, the personal accident protection period would continue until the fifth year. The company tried everything to survive, but it could not weather the economic conditions and turned around the direction of the stock price as an underlying foundation for its portfolio.

The income of the premium of the life insurance industry declined during the COVID-19 pandemic and caused the industry to post losses (Exhibit 1). And Government Regulation Number 21 of 2020 on Large-Scale Social Restrictions (PSBB) to stay at home and maintain a distance so that sales agents cannot sell insurance products face-to-face directly to potential customers. The president director of Prudential Indonesia, Jens Reisch said that "the appearance of COVID-19 in Indonesia has caused activities to occur at home, one of which is the implementation of Working From Home (WFH). In this context, Prudential undertook various initiatives to continue providing services that meet customer needs." To address these issues, Prudential Indonesia and other companies that are members of the Indonesian Life Insurance Association (AAJI) applied to the financial services authority (OJK) through letter Number 087 / IA.KPI / AAJI / 2020 dated March 24. 2020 on the Proposed Changes to Various Regulations Related to Marketing and Marketing. Sale of Insurance Products to Prepare the Life Insurance Industry to Face Problems Caused by the Corona Virus and Facing the Digital Era and letter number 101 / PRI / AAJI / V / 2020 regarding May 5, 2020, PAYDI marketing applications with direct meetings in digital or electronic media. In response to this letter, on June 22, 2020, Prudential Indonesia obtained permission from the Financial Services Authority (OJK) to conduct virtual face-to-face marketing of unit-linked insurance products. The wave of digitization has affected various sectors, fields, and industries, including life insurance. Preparation for digitization in the insurance industry is ripe because many have invested in digital technology. Additionally, many insurance companies have collaborated with digital technology companies to improve customer services to be more efficient and faster. The president and director of Prudential Indonesia, Jens Reisch, said that "the appearance of COVID-19 in Indonesia has caused activities to occur at home, one of which is the implementation of Working From Home (WFH). In this context, Prudential carries out several initiatives to continue providing services that meet customer needs". In the process, Jens managed to find a solution after many discussions with his team, "We are proud to have obtained permission from OJK to market unit link products through a virtual face-to-face, and launch a digital marketing channel, called PRUCekatan. The product uses integrated end-to-end digital systems and capabilities. Prudential Indonesia's marketing strategy was developed and managed directly by Prudential Indonesia. Customers and prospects can now consult with marketers about their insurance needs and realize life insurance applications anytime, anywhere in Indonesia conveniently and most importantly, safe. "

For the sake of promoting the ambitious project, Lippo has poured more than Rp 1.5 trillion in marketing funds. The massive Meikarta advertisements have been seen since the beginning of 2017. Almost all promotional media such as television, radio, newspapers, billboards, and social media are full of Meikarta advertisements, which offer classy metropolitan residences in the east of Jakarta. The buyers' interest was so high that the order for apartments in Meikarta had reached 16,800 units and these sales got the MURI record as the most apartment unit sales in one day until it was discovered that the Meikarta Project did not have an Environmental Impact Analysis (Amdal) and Building Permit (IMB) permit. The Consumer Protection Act prohibits businesses from offering, promoting, and advertising goods or services that are not yet available. The Flats Act states that the developer must at least have a permit to construct flats if they market before construction. The government should strictly prohibit the sale of property that is not accompanied by a full license. Buying and selling an unfinished apartment needs to be stopped because it may be hazardous for the buyer. Apartment consumers are always in a weak position if the project is stalled or the developer goes bankrupt.

NET TV is one of the private television stations in Indonesia. This television station claims to be different from other television stations in Indonesia. The most interesting aspect is the different form of programs offered by this television station to the public. For example, if other television stations broadcast soap operas, comedies that have violence, or gossip news shows, NET TV claims it will not broadcast these common programs. On the contrary, NET TV offers programs which according to the company will increase the usefulness of public knowledge.

Fintech’s business in Indonesia is growing rapidly nowadays, proven by the existence of many Fintech-based startup companies in the last few years. Fintech startup itself is starting to occupy a large part of the Indonesian startup industries. Fintech helps people to access financial products, facilitate transactions and improve their financial literacy easier. Fintech became highlight in September 2015 when Indonesia’s Fintech Association established. The goal is to set a trusted and reliable partner to build up Indonesia’s Fintech ecosystem. It come up from Indonesia enterprises and for Indonesians. Up to now, there are at least 140 Fintech players in Indonesia, with 55 of them joining the organization as full members.

 

In 2016, the Indonesia Financial Service Institution (POJK) issued new regulations and policies about fintech on off balance sheet (marketplace) lending and by Central Bank (BI) on Payment Transaction Processing. The growth of Fintech players has been skyrocketing, from only 7% in 2006/2007 to 78% a decade later. The number of the players are recorded around 135-140 companies. 43% of them play in the payment sector, such as mobile payment as well as payment gateway startups from various sectors, ranging from payment startups, lending, financial planning (personal finance), retail investment, crowdfunding, remittances, financial research, and others. Fintech reaches the younger generation who are more familiar with the internet and make use of the internet for all their needs. Fintech can also make things simpler and more efficient. Fintech uses technology, software and big data, it also uses social media data from its users that Fintech uses in conducting risk analysis.

The owner of Artotel group comes from the family who own the Marriott Surabaya. Wishing to expand to another market, Artotel was established with the idea of making art available to everyone. The hotel was aimed at marrying the concept of a boutique hotel decorated with art works produced by local artists, resulting in a comfortable and memorable place to stay. Artotel has undergone several changes in its strategic direction. Being an entrepreneurial company, it sees expansion to other businesses and types of accommodation as a way to survive in the turbulent environment. Artotel realizes that its main strength is its ability to have a ‘breathing brand DNA’, i. e. a brand that keeps on evolving depending on its market environment. This case will discuss the different methods that Arotel has employed to gain more market share and maintain its brand DNA.

The film industry in Indonesia began around 1950 marked by the production of the first film in Indonesia entitled Darah & Doa on March 30, 1950, and now celebrated as National Film Day. In the 1950s and 1960s cinemas began to appear in big cities like Jakarta, and the Indonesian cinema business community was formed, called the Indonesian Cinema Association (GABSI). From 1965 to 1970, the film industry experienced a difficult period due to the G30SPKI incident, which caused massive inflation and a decline in consumer purchasing power. In the 1980s videotape piracy began to emerge due to the limited number of cinemas. After going through difficult times, the Indonesian film industry began to rise with the emergence of the extensive Studio 21 cinema network in 1987 and began taking the small cinema market. In the 1990s, the film industry experienced a decline due to the irregular regulation of film registration in Indonesia so that the data on films produced became unclear. The emergence of VCD and DVD technology also caused interest in watching in the cinema decreased. Entering the 2000s, the film industry in Indonesia rose again with the emergence of several best-selling films in the market such as Petualangan Sherina, Ada Apa dengan Cinta, Eiffel I'm in Love, and Gie, which attracted the attention of various groups of people to watch in theatres.

 

It was one bright afternoon in the month of April 2019. It was just one week ago that Franciscus Xaverius Laksana Kesuma was appointed as the Chief Executive Officer of PT United Tractors Tbk. The bright afternoon, did not seem to be quite bright just yet, as the price of coal continues to fall and the dream of making a comeback for one of the leading company in heavy equipment in Indonesia might only be just a dream. The eerily look on the future of Indonesia mining industry which heavily related to the main business of PT United Tractors who delve in heavy equipment business somehow painted a bit darker grey of the bright afternoon. As Franciscus gazed in the afternoon shades and wonder if the storm would pass?