Profile

https://scholar.googleusercontent.com/citations?view_op=view_photo&user=bQ6SNwkAAAAJ&citpid=4

Selamet Riyadi

Kebendaharaan Negara/Anggaran - 1991
Strata 3 -
Universitas Budi Luhur
Semua Sejak 2020
Dokumen 100 64
Sitasi 2476 1339
indeks-h 16 14
indeks-i10 23 21
Tahun Sitasi
2009 18
2010 13
2011 34
2012 45
2013 61
2014 87
2015 91
2016 133
2017 164
2018 242
2019 194
2020 206
2021 256
2022 259
2023 232
2024 214
2025 18
Judul Sitasi Tahun
Banking assets and liability management
S Riyadi
Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia, 2003
1733 2003
Strategi pengelolaan non performing loan (NPL) bank umum yang go public
S Riyadi, M Iqbal, N Lauren
JDM (Jurnal Dinamika Manajemen) 6 (1), 2015
68 2015
Analisis Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa (Studi Kasus Mahasiswa Perbanas Intsitute Fakultas Ekonomi dan Bisnis)
C Arsanti, S Riyadi
Perbanas Review 3 (2), 2018
64 2018
Potensi finansial teknologi syariah dalam menjangkau pembiayaan non-bank
FB Prestama, M Iqbal, S Riyadi
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan 4 (2), 147-158, 2019
51 2019
Manajemen perbankan indonesia teori, praktek dan studi kasus
S Riyadi
Rajawali Pers, 2017
48 2017
Pengaruh CAR, LDR, KAP Dan NPL Terhadap ROA Bank Go Public Yang Terdaftar Di BEI
N Grilseda, S Riyadi
Jurnal Ilmu Manajemen 11 (1), 53-68, 2021
42 2021
Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Bi Rate, Dan Financing To Deposit Ratio Terhadap Pembiayaan Murabahah Pada Bank Syariah Di Indonesia
S Riyadi, RM Rafii
Perbanas Review 3 (2), 2018
39 2018
Financial performance efficiency of Indonesia government banks in improving profitability
S Riyadi
International Journal of Financial Innovation in Banking 1 (3-4), 239-252, 2017
27 2017
Banking Assets and Liability Management, Edisi Keempat
S Riyadi
Depok: Lembaga Penerbit Fakultas Ekonomi & Bisnis, Uiniversitas Indonesia, 2016
27 2016
Optimization of Profit-Sharing Financing at Islamic Banking in Indonesia
S Riyadi, M Iqbal, AA Pangastuti, A Muditomo
Jurnal Keuangan Dan Perbankan 25 (2), 260-279, 2021
26 2021
Influence between banking service quality and brand image against customer relationship and loyalty in sharia bank
S Riyadi
University of Piraeus. International Strategic Management Association, 2019
24 2019
Pemetaan tingkat kesulitan keuangan bank syariah di Indonesia
M Iqbal, S Riyadi, P Sabrianti, AN Afidah
FE Universitas Negeri Yogyakarta, 2018
22 2018
Pengaruh Intellectual Capital dan Good Corporate Governance terhadap Profitabilitas Bank BUMN
EP Mahardika, S Riyadi
Perbanas Review 3 (1), 2018
19 2018
Analisis Pengaruh Kinerja Keuangan, BI Rate dan Earning Per Share Terhadap Harga Saham Bank BUMN di Bursa Efek Indonesia (Periode 2008-2013)
S Riyadi
Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi 17 (2), 85-96, 2014
19 2014
Analisis dampak stock split terhadap harga, volume dan keputusan investasi pada saham
S Riyadi, S Andrefa
17 2013
Strategi Manajemen Bank Syariah dalam Meningkatkan Loyalitas Nasabah
S Riyadi
16 2022
Comparison and Implementation of Environmental Law Policies in Handling Climate Change in ASEAN Countries: A Comparative Study of Indonesia, Malaysia, and Thailand
SD Lestari, FM Leon, S Riyadi, Qodariah, AHPK Putra
International Journal of Energy Economics and Policy 14 (2), 687–700, 2024
14 2024
Pengaruh Non Performing Financing, Financing to Deposit Ratio, dan Capital Adequacy Ratio terhadap Tingkat Bagi Hasil Deposito Mudharabah
NR Oktaviani, S Riyadi
Jurnal Ilmu Manajemen 10 (2), 123-132, 2021
14 2021
the Impact of Financial Literacy, Consumptive Behavior and M Banking Services on Savings Management
S Riyadi, DA Pritami
International Journal of Advanced Research, 2018
14 2018
Manajemen Jasa-Jasa Perbankan Dalam dan Luar Negeri
S Riyadi, P Hadiyati
Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia, 2012
12 2012
Bank Indonesia bersama Perbankan Syariah Membantu Digitalisasi UMKM Dengan Manfaatkan Teknologi Quick Response Code Indonesia Standard QRIS
DH Raharjo, S Riyadi
Kresna: Jurnal Riset dan Pengabdian Masyarakat 3 (1), 59-66, 2023
11 2023
The Effect of Price and Ease of Use on Customer Loyalty: A Case Study of Repeat Transaction Interest Through the OVO Application
SD Lestari, S Riyadi, S Priyanto, A Suhermin
Golden Ratio of Marketing and Applied Psychology of Business 3 (1), 34-51, 2023
10 2023
CAR (Capital Adequacy Ratio)
S Riyadi
Blog Dosen, 2014
10 2014
Faktor-faktor yang mempengaruhi capital adequacy ratio pada bank listing di BEI periode 2010-2014
R Astreanto, S Riyadi
Jurnal Riset Perbankan, Manajemen, dan Akuntansi 1 (2), 90-102, 2017
9 2017
The Effect of Earnings Management, Profitability, Leverage and Transfer Pricing on Tax Avoidance in the P3 sector”(Plantation, Forestry and Mining) Empirical Study
I Imelda, S Riyadi, SD Lestari
International Journal of Social Service and Research 2 (11), 1189-1207, 2022
8 2022
Analisis pengaruh DPK, CAR, NPL, LFR, BOPO dan JIBOR terhadap penyaluran kredit modal kerja pada bank umum buku IV (Periode 2012-2017)
P Fitrianingisih, S Riyadi
Perbanas Review 5 (1), 2020
8 2020
Financial Reengineering Forward Transactions Into Islamic Forward To Incrase The Role Of Islamic Banking In Indonesia In the Global Market
S Riyadi
8 2015
Pengaruh Current Ratio, Debt To Equity Ratio, Return On Asset, dan Total Asset Turnover Terhadap Harga Saham Properti dan Real Estate di Bursa Efek Indonesia
Fathorrosi, S Priyanto, R Selamet
Jurnal Akuntansi, Ekonomi Dan Manajemen Bisnis 4 (1), 70-77, 2024
7 2024
Manajemen Transformasi & Akselerasi Perbankan Syariah
S Riyadi, H Kurniawan, M Iqbal, FF Hastiadi
7 2023
Determinants of dividend policy of manufacturing companies in indonesia
A Razak, F Fathihani, D Wana, S Riyadi, H Suparmun, A Indrasari, ...
Academy of Accounting and Financial Studies Journal 26 (1), 1-11, 2022
6 2022
Peran Struktur Modal dalam Memediasi Pengaruh Firm Size dan Profitabilitas terhadap Nilai Perusahaan Sub Sektor Makanan dan Minuman
S Priyanto, S Riyadi
Jurnal Ilmu Manajemen 13 (1), 71-78, 2023
5 2023
Pengaruh Literasi Keuangan dan Faktor Demografi terhadap Minat Masyarakat Berinvestasi Di Pasar Modal (Studi Kasus Pada Masyarakat usia 21-35 Tahun di DKI Jakarta)
VY Anggarini, S Riyadi
Jurnal Ilmu Manajemen 11 (2), 139-148, 2022
5 2022
Pengaruh Dana Pihak Ketiga, Inflasi, Modal Bank, dan Suku Bunga Dasar Kredit terhadap Penyaluran Kredit
MI Eklesia, S Riyadi
Jurnal Ilmu Manajemen 10 (2), 101-110, 2021
5 2021
Pengaruh Dana Pihak Ketiga, Biaya Operasional Pendapatan Operasional, Capital Adequacy Ratio dan Jakarta Interbank Offered Rate terhadap Penyaluran Kredit pada Bank Buku 4 …
Y Olivia, S Riyadi
Perbanas Review 3 (2), 2018
5 2018
ANALYSIS THE EFFECT OF PERFORMANCE EXPECTANCY, EFFORT EXPECTANCY, SOCIAL INFLUENCE, FACILITATING CONDITION AND PERCEIVED TRUST ON THE INTEREST USER OF BANK'S ELECTRONIC MONEY …
RA Hidayat, S Riyadi
Perbanas Review 3 (1), 2018
5 2018
Pengaruh macro dan micro prudential terhadap tingkat bagi hasil deposito mudharabah bank syariah di indonesia
TI Yuwono, S Riyadi
Perbanas Review 3 (1), 2018
5 2018
Green Corporate Performance Management: A Strategic Approach to Environmental and Organizational Sustainability
A Kusnawan, S Riyadi, SD Lestari, S Mudjijah
Primanomics: Jurnal Ekonomi & Bisnis 23 (1), 256-272, 2025
4 2025
The Influence of Digital Leadership on Employee Performance with Digital Culture as A Moderating Variable
H Nugroho, S Riyadi, S Mudjijah, P Maulana, R Safitra
Maneggio 1 (6), 45-55, 2024
4 2024
Portfolio Optimization: Application and Comparison of Markowitz Model and Single Index Model on LQ45 Stocks in Indonesia Stock Exchange
BO Yusan, S Riyadi
International Journal of Management Science and Application 3 (1), 57-85, 2024
4 2024
Pengaruh LDR, BOPO, NPL dan Mobile Banking terhadap Profitabilitas
MB Pasaribu, S Riyadi
Jurnal Ilmu Manajemen 11 (2), 115-128, 2022
4 2022
Analisis Pengaruh Kinerja Keuangan dan Eps Terhadap Harga Saham Bank Kategori Buku 4 (Periode 2013-2017)
S Riyadi, AF Setyawan
Perbanas Review 3 (1), 2018
4 2018
Pengaruh rasio keuangan terhadap harga saham perbankan
S Riyadi, M Iqbal
Jurnal Ilmu Manajemen 14 (1), 27-38, 2024
3 2024
Analisis Pengaruh Profitability, Leverage dan Capital Intensity Ratio terhadap Effective Tax Rate (Studi Kasus pada Perusahaan Manufaktur yang Terdaftar di BEI Periode 2017-2021)
E Kristanti
Syntax Idea 6 (4), 1648-1654, 2024
3 2024
Analisis Dampak Penambahan Modal Negara dan Investasi Pemerintah Terhadap Kinerja Keuangan
AK Sutrisno, S Riyadi
Co-Value Jurnal Ekonomi Koperasi dan kewirausahaan 14 (8), 1133-1150, 2024
3 2024
Prevention Of Incontinence-Associated Dermatitis Of Immobility Patients Using Aloe Verra Skin Barrier And Olive Oil
M Tajarudin, S Riyadi, CK Negara
Jurnal EduHealth 13 (01), 255-263, 2022
3 2022
Pengaruh Kesadaran Wajib Pajak, Pelayanan Fiskus, Sanksi Pajak dan E-Filing terhadap Kepatuhan Wajib Pajak Orang Pribadi
H Hardison, S Riyadi
Syntax Idea 4 (2), 350-357, 2022
3 2022
Wirausaha Kelompok Wanita Tani “Dahlia” Dengan Budi Daya Lele -Sistim Bioflok
SR Sugeng Priyanto, Dicky Arisudhana, Syaiful Anwar,M N Farid Thoha
Jurnal Pendidikan dan Pengabdian Masyarakat 5 (Vol. 5 No. 2 (2022): Mei …, 2022
3 2022
Rasio Profitabilitas Bank (ROA dan ROE)
S Riyadi
Blog Dosen, 2016
3 2016
The effect of change management on organizational adaptability in the age of technology
S Riyadi, Y Anggoro
Maneggio 1 (5), 85-97, 2024
2 2024
Menguatkan Kebudiluhuran dan Pekerti Luhur dalam Kehidupan Masyarakat Modern: Tantangan dan Peluang
A Kusnawan, S Riyadi
EMaBi: Ekonomi Dan Manajemen Bisnis 3 (2), 2024
2 2024
Analisis penerapan biaya volume laba terhadap perencanaan laba perusahaan (Studi kasus pada Franchise C'bezt Fried Chicken Gedangan, Sidiarjo)
DOS Agustono, M Rizqi, MYR Pandi, S Riyadi
Journal of Management and Bussiness 6 (3), 1057-1066, 2024
2 2024
The Determinant Effect Of Financial Performance On Return On Assets (ROA) In Full-Fledged Islamic Banks In Indonesia For The 2015-2019 Period
EY Sari, S Riyadi
International Journal Of Management And Economics Invention 8 (7), 2507-2514., 2022
2 2022
Pengaruh Non Performing Financing (NPF), Financing To Deposit Ratio (FDR), Dan Biaya Operasional Dan Pendapatan Operasional (BOPO) Terhadap Return On Asset (ROA) Pada Bank …
K Hasanah, S Riyadi
Jurnal Ilmiah Akuntansi Rahmaniyah 4 (2), 126-140, 2021
2 2021
The influence from financial performance on earning per share (eps) with soundness level of banks as intervening variable at buku iv banks category in Indonesia
R Thomas, S Riyadi, Z Abidin, M Iqbal
Dinasti International Journal of Education Management and Social Science 2 …, 2020
2 2020
THE IMPACT OF PRODUCT, PROMOTION AND CONSUMER BEHAVIOR DIFFERENTIATION TOWARD T-CASH CUSTOMER SATISFACTION (CASE STUDY AT CELLULAR TELECOMMUNICATION COMPANY IN INDONESIA).
S Riyadi, Z Abidin, Zulmi
International Journal of Advanced Research (IJAR) 7 (8), 1111-1115, 2019
2 2019
Mapping of Islamic Bank Financial Distress in Indonesia
M Iqbal, S Riyadi, P Sabrianti, AN Afidah
Jurnal Economia 14 (2), 138-157, 2018
2 2018
Evaluasi pengaruh BI rate (SBIR), Cost of Loanable Fund (COLF), Overhead Cost (OHC) dan Spread (SPR) terhadap tingkat suku Bunga Kredit (SBK) perbankan Tahun 2012
S Riyadi, R Rushadi, I Siswanti, P Hadiyati
Fakultas Ekonomi, Universitas Tanjungpura, 2014
2 2014
Leadership Strategies to Achieve Organization with Superior Performance
D David, S Riyadi, SD Lestari, A Saputro, E Muhdaliha
Maneggio 2 (1), 57-68, 2025
1 2025
Usaha Maggot (Larva Hermetia Illucens) Oleh Ibu Rumah Tangga Dalam Upaya Meningkatkan Pendapatan Keluarga Di Posbindu Dahlia Rw 001 Petukangan Selatan
D Kurniawan, S Anwar, S Riyadi, MHM Nugraha
Jurnal Padamu Negeri 2 (1), 64-72, 2025
1 2025
Implementation of Pricing Strategies to Increase Sales in The Digitalization Era
DN Faiqoh, S Riyadi, SD Lestari, S Mudjijah
Maneggio 1 (6), 109-119, 2024
1 2024
Sikap Berbudi Luhur dalam Kehidupan Lingkungan Organisasi Pendidikan
H Nugroho, S Riyadi
Prosiding: Ekonomi Dan Bisnis 4 (2), 2024
1 2024
Perancangan Sekolah Menengah Pertama Negeri di Desa Tempur Jepara Dengan Pendekatan Sustainable Architecture
S Riyadi
Journal of Islamic Art and Architecture (JIAA), 2023
1 2023
Kloning gen penyandi antigen HbsAg100 dalam rangka produksi protein rekombinan sebagai model imunogen untuk menghasilkan antibodi
S Riyadi, RRA Maheswari, M Sudarwanto, F RZ, M Ali
Jurnal Peternakan Indonesia (Indonesian Journal of Animal Science) 13 (3 …, 2011
1 2011
Fostering Innovation Through Business Digitalization to Support Business Sustainability
A Saputro, S Riyadi, DN Faiqoh, S Mudjijah, H Kuswanto
vol, 0
1
Internalization of Noble Values in Consumer Behavior (A Study on the Phenomenon of Online Shopping among Millennials)
APW Nugroho, S Riyadi
LITERACY: International Scientific Journals of Social, Education, Humanities …, 2025
0 2025
The Impact of Business Ethics Implementation on Customer Trust in Product and Service Innovation
ERP Daya, S Riyadi
Interdisciplinary Social Studies 4 (4), 732-745, 2025
0 2025
Integration of Innovation in Green Human Resources Management: A Systematic Review of Compensation and Reward for Organizational Sustainability: Integration of Innovation in …
A Kusnawan, S Riyadi, E Muhdaliha, A Saputro, J Jemmy
Primanomics: Jurnal Ekonomi & Bisnis 23 (3), 145-164, 2025
0 2025
The Role of Industry 5.0 in ESG-Based Talent Management Transformation at National Energy Companies
H Kuswanto, S Riyadi, H Iswati, H Nugroho, A Kusnawan
Maneggio 2 (4), 165-174, 2025
0 2025
Orchestrating Strategic Innovation for Educational Institution Resilience: A Dynamic Capabilities-Based Framework
J Jemmy, S Riyadi, SD Lestari, DN Faiqoh, D Sugiarto
Oikonomia: Journal of Management Economics and Accounting 2 (4), 1-11, 2025
0 2025
Analysis of Marketing Strategy of PT Sucofindo (Persero) Tbk in Increasing the Market Share of Calibration Services in Indonesia
S Sosidah, A Tarmizi, ACURP Saragih, S Riyadi, A Rojikun
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) 4 (06), 427-437, 2025
0 2025
Strategic Marketing Analysis of IndiHome as a Leading Provider of Telecommunications and Multimedia Services in Jakarta
S Sosidah, A Rojikun, A Tarmizi, A Rohman, S Riyadi
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) 4 (06), 414-426, 2025
0 2025
Transformasi Kepemimpinan Dalam Era Digital Untuk Mendorong Inovasi Dan Meningkatkan Kinerja Organisasi
D David, S Riyadi, SD Lestari, E Muhdaliha, A Saputro
YUME: Journal of Management 8 (2), 1179-1185, 2025
0 2025
IMPLEMENTING RISK MANAGEMENT IN EDUCATIONAL INSTITUTIONS: APPROACHES AND BEST PRACTICES
J Jemmy, S Riyadi
International Journal of Teaching and Learning 3 (5), 638-655, 2025
0 2025
PENGARUH IKLAN DI MEDIA SOSIAL DAN ELECTRONIC WORD OF MOUTH TERHADAP BRAND IMAGE DALAM KEPUTUSAN PEMBELIAN (STUDI KASUS RS. BSH BOGOR)
F Rahmah, S Riyadi
Journal of Innovation Research and Knowledge 4 (10), 7835-7852, 2025
0 2025
Leveraging Proptech Management for Improved Organizational Performance in the Property Sector
D Sugiarto, S Riyadi, J Jemmy, E Muhdaliha, RS Hidayat
Maneggio 2 (1), 69-79, 2025
0 2025
Innovative Leadership in Driving Organizational Innovation and Performance A Systematic Literature Review
H Nugroho, S Riyadi, SD Lestari, S Mudjijah
eCo-Fin 7 (1), 230-246, 2025
0 2025
The Implementation of Digital Technology to Enhance Energy Business Sustainability Through Operational Performance Improvement
A Saputro, S Riyadi, SD Lestari, E Muhdaliha, D David
Maneggio 1 (6), 33-44, 2024
0 2024
Kewirausahaan dan Teknologi Di Era Generasi Z
A Aziz, S Riyadi, D Kurniawan, RA Wilis, D Wimpertiwi
0 2024
Financial Performance Analysis Before And After Acquisition and its Impact on Sustainable Growth Rate in the Pharmaceutical Industry
S Riyadi, I Suhardiah, DR Damayanti
International Journal of Management and Economics Invention 9 (2023), 3135 …, 2023
0 2023
Analysis of Financial Variables on Conventional BPR Performance
Ferdiansyah, DS Wijaya, S Riyadi
International Journal of Social Service and Research 3 (2023), 1679-1686, 2023
0 2023
ANALISIS DAMPAK PENAMBAHAN MODAL NEGARA DAN INVESTASI PEMERINTAH TERHADAP KINERJA KEUANGAN
AK Sutrisno, S Riyadi
JRMA (Jurnal Riset Manajemen dan Akuntansi) 11 (3), 2-2, 2023
0 2023
Analysis of Differences in Long-Term Financial Performance Before and After Stock Split in Companies Listed on the Indonesia Stock Exchange in 2015-2020
H Hidayat, S Riyadi
International Journal of Social Service and Research 2 (2022), 1167-1188, 2022
0 2022
The Role of the Board of Commissioners: Determinants in Predicting Bankruptcy Financing Company
NYK Sugiato, SD Lestari, S Soekotjo, S Riyadi, A Azhar
International Journal of Business and Management Invention (IJBMI) 11 (7), 33-38, 2022
0 2022
The Influence of Good Corporate Governance on Company Failure (Case Study of PT Rabobank International Indonesia)
AMS Hartati, S Riyadi, AD Marsono
International Journal Of Management And Economics Invention 8 (7), 2495-2506, 2022
0 2022
Pengantar Manajemen Keuangan Internasional
S Riyadi
0 2022
The Role of Experience, Knowledge, Time Pressure and Risk on Sampling Method in Audit
SD Lestari, FM Leon, S Riyadi, HK Reza, Y Yuwono
ATESTASI: Jurnal Ilmiah Akuntansi 4 (2), 315-324, 2021
0 2021
Pengantar Manajemen Keuangan Internasional
S Riyadi
0 2021
Financing Funding Strategy Professionalism of Indonesian Migrant Workers As the Current Account Deficit Solution
RF Kaban, S Riyadi
Gorontalo Development Review 3 (2), 88-101, 2020
0 2020
Sistem Peringatan Dini Ketahanan Perbankan Terhadap Guncangan Internal dan Eksternal Dengan Model Artifical Neural Network
M Iqbal, A Ulfah, S Riyadi
Target: Jurnal Manajemen Bisnis 2 (1), 107-116, 2020
0 2020
ANALYSIS OF THE INFLUENCE OF MOBILE BANKING SERVICES, INTERNET BANKING AND SMS BANKING ON CUSTOMER SATISFACTION IN PT BANK MANDIRI (PERSERO) Tbk OFFICE OF JAKARTA TIMUR BRANCH …
T Silalahi, R Abdulah, S Riyadi
Perbanas Review 5 (1), 2020
0 2020
FX AND DERIVATIVES PRODUCT DEVELOPMENT PLANNING STRATEGY IN ORDER TO INCREASE FEE BASED INCOME ON NATIONAL BANK-X
SR Singalaga, S Riyadi
Journal of Seybold Report 15 (10), 396, 2020
0 2020
STRATEGY MODEL FOR IMPROVING PRIORITY CUSTOMERS LOYALTY IN SHARIA BANK
S Riyadi
Journal of Seybold Report 15 (9), 3853-3866, 2020
0 2020
LITERACY, CONSUMPTIVE
S Riyadi
0 2018
Analisis Pendirian Perusahaan Penjaminan Ulang Kredit Guna Meningkatkan Kemampuan Menjamin UMKM
S Riyadi
Perbanas Review 2 (1), 2016
0 2016
CARA MENGHITUNG AKTIVA TERTIMBANG MENURUT RISIKO (ATMR)
S Riyadi
Blog Dosen, 2016
0 2016
Reserve Requirement (RR)
S Riyadi
0 2015
Pembangunan website Muhammadiyah Antapani Primary Secondary School
D Permana, P Pitria, S Riyadi
Universitas Komputer Indonesia, 2014
0 2014
Editorial da Edição 06
C Pennaforte, JA da Silva
Revista Intellector-ISSN 1807-1260-[CENEGRI] 3 (06), i-i, 2007
0 2007
Laporan Keuangan Bank Umum VS. Bank Indonesia
S Riyadi
Kopertis Wilayah III, 2003
0 2003
Financial Reenginering dalam Pembiayaan Ekspor dengan Cara Forfaiting
S Riyadi
Yayasan Widya Utama, 2002
0 2002