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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
ONE FIFGROUP
TO BE THE ONE
2025
Laporan Keberlanjutan
Sustainability Report
Page 2
Penjelasan
Tema
ONE FIFGROUP
TO BE THE ONE
2025
Theme
Laporan Keberlanjutan
Sustainability Report
Explanation’s
ONE FIFGROUP
TO BE THE ONE
Di tengah dinamika industri pembiayaan yang semakin Amidst the highly competitive dynamics of the financing industry
kompetitif serta tuntutan terhadap praktik bisnis yang and demands for sustainable business practices, FIFGROUP
berkelanjutan, FIFGROUP terus memperkuat langkah continues to strengthen its transformation by building alignment
transformasinya dengan membangun keselarasan visi, of vision, collaboration, and commitment across all lines of the
kolaborasi, dan komitmen di seluruh lini organisasi. Semangat organization. The spirit of ONE FIFGROUP reflects the unity of
ONE FIFGROUP mencerminkan kesatuan arah dan sinergi direction and synergy of all Company personnel in implementing
seluruh insan Perseroan dalam menjalankan strategi bisnis integrated business strategies, based on strong governance,
yang terintegrasi, berlandaskan tata kelola yang kuat, inovasi continuous innovation, and the best service for customers and
berkelanjutan, serta pelayanan terbaik bagi pelanggan dan all stakeholders.
seluruh pemangku kepentingan.
Melalui semangat kebersamaan tersebut, FIFGROUP berupaya Through this sense of unity, FIFGROUP strives to strengthen
memperkuat posisinya sebagai perusahaan pembiayaan yang its position as a leading and trusted financing company in
unggul dan tepercaya di Indonesia. Setiap inisiatif strategis Indonesia. Every strategic initiative implemented focuses not
yang dijalankan tidak hanya berfokus pada pertumbuhan only on business growth, but also on creating long-term value
bisnis, tetapi juga pada penciptaan nilai jangka panjang for the community, the environment, and the national economy.
bagi masyarakat, lingkungan, dan perekonomian nasional. By combining service innovation, strengthening the digital
Dengan memadukan inovasi layanan, penguatan ekosistem ecosystem, and applying sustainability principles in every
digital, serta penerapan prinsip keberlanjutan dalam setiap operational process, FIFGROUP continues to move forward
proses operasional, FIFGROUP terus bergerak maju untuk to deliver more robust and impactful performance.
menghadirkan kinerja yang lebih tangguh dan berdampak.
Komitmen tersebut menjadi fondasi bagi Perseroan dalam This commitment serves as the foundation for the Company
menghadapi berbagai tantangan sekaligus menangkap peluang in facing various challenges while seizing opportunities
di masa depan. Dengan semangat kolaborasi, integritas, dan in the future. With a spirit of collaboration, integrity, and
keberlanjutan yang menyatu dalam seluruh aktivitas usaha, sustainability integrated into all business activities, FIFGROUP
FIFGROUP bertekad untuk terus menjadi yang terdepan dalam is determined to continue to be at the forefront in providing
memberikan solusi pembiayaan yang inklusif, bertanggung inclusive, responsible, and sustainable financing solutions for
jawab, dan berkelanjutan bagi seluruh masyarakat Indonesia. all Indonesians.
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Daftar Isi
Table of Contents
Tata Kelola Keberlanjutan
05 Sustainability Governance
Penjelasan Tema
Theme Explanation Tata Kelola Keberlanjutan
62
Sustainable Governance
Ikhtisar Keberlanjutan Struktur Tata Kelola Keberlanjutan [OJK E.1] [GRI 2-9]
01 Sustainability Highlights Sustainability Governance Structure [OJK E.1] 64
[GRI 2-9]
Aspek Ekonomi [OJK B.1]
6 Manajemen Risiko Lingkungan, Sosial,
Economic Aspect [OJK B.1]
dan Tata Kelola (LST) [OJK E.3]
Aspek Lingkungan Hidup [OJK B.2] 65
7 Environmental, Social, and Governance
Environmental Aspect [OJK B.2]
(ESG) Risk Management [OJK E.3]
Aspek Sosial [OJK B.3]
9 Mengidentifikasi dan Menilai Risiko-
Social Aspect [OJK B.3]
Risiko Terkait Iklim
Aspek Tata Kelola 70
9 Identifying and Assessing Climate-
Governance Aspect Related Risks
Penghargaan dan Sertifikasi Tantangan dan Permasalahan Penerapan
10
Awards and Certifications Keuangan Berkelanjutan [OJK E.5]
Jejak Langkah Keberlanjutan Challenges and Issues in The 72
15
Sustainable Milestone Implementation of Sustainable Finance
[OJK E.5]
Pesan Presiden Direktur
02 Message from President Director
Etika Bisnis [GRI 3-3]
73
Business Ethics [GRI 3-3]
[OJK E.5]
Pesan Presiden Direktur [OJK D.1][GRI 2-22] Pelibatan Pemangku Kepentingan
[GRI 2-29]
Message from President Director [OJK D.1] 29 76
[GRI 2-22] Stakeholder Engagement [OJK E.5] [GRI 2-29]
Strategi Keberlanjutan Kinerja Keberlanjutan
03 06 Sustainability Performance
Sustainability Strategy
Strategi Keberlanjutan [OJK A.1] Pertumbuhan Pembiayaan Berkelanjutan
38 80
Sustainability Strategy [OJK A.1] Growth of Sustainable Financing
[GRI 2-6]
Tentang Laporan Keberlanjutan Rantai Pasokan
45 86
About The Sustainability Report Supply Chain [GRI 2-6]
Tanggapan Umpan Balik Laporan Tahun Menciptakan Karyawan Unggul
88
Sebelumnya [OJK G.3] Creating Excellent Employees
46
Previous Year Report Feedback Menjaga Layanan Berkualitas
99
Response [OJK G.3] Maintaining Quality Service
Identifikasi Topik Material dan Batasan Meningkatkan Kesejahteraan Masyarakat
[OJK F.23, F.25]
Dampak [GRI 2-14, 3-1, 3-2] 105
46
Identification of Material Topics and Improving Community Welfare [OJK F.23, F.25]
Impact Limitations [GRI 2-14, 3-1, 3-2] Menjaga Kelestarian Lingkungan
143
Preserving the Environment
Tentang Kami
04 About Us
Lain-lain
151
Others
Sekilas FIFGROUP [GRI 2-1] Lembar Umpan Balik [OJK G.2]
52 152
FIFGROUP at a Glance [GRI 2-1] Feedback Form [OJK G.2]
Visi, Misi, dan Nilai Budaya Perusahaan Tanggapan terhadap Umpan Balik Laporan
[OJK C.1] Keberlanjutan Tahun Sebelumnya [OJK G.3]
56 153
Vision, Mission, and Corporate Cultural Response to Feedback on the Previous Year’s
Values [OJK C.1] Sustainability Report [OJK G.3]
Wilayah Operasional [OJK C.3] [GRI 2-1, 2-6] Daftar Pengungkapan Sesuai POJK Nomor 51/
58 POJK.03/2017 [OJK G.4]
Operational Area [OJK C.3] [GRI 2-1, 2-6] 153
List of Disclosures According to POJK No. 51/
Skala Usaha [OJK C.3] [GRI 2-6]
59 Pojk.03/2017 [OJK G.4]
Business Scale [OJK C.3] [GRI 2-6]
[OJK C.5] [GRI 2-28]
Indeks Sustainability Accounting Standard Board
Keanggotaan Asosiasi
59 (SASB) - Sektor Keuangan
Association Membership [OJK C.5] [GRI 2-28] 156
Sustainability Accounting Standard Board (SASB)
- Financial Sector
Indeks Konten GRI
157
GRI Content Index
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Page 5
Tata Kelola Keberlanjutan Kinerja Keberlanjutan
01
Sustainability Governance Sustainability Performance
Ikhtisar
Keberlanjutan
Sustainability Highlights
Page 6
Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Ikhtisar Keberlanjutan
Sustainability Highlights
Aspek Ekonomi [OJK B.1]
Economic Aspect [OJK B.1]
"FIFGROUP memperkuat Pembiayaan Sepeda Motor Honda
komitmen terhadap Honda Motorcycle Financing
keberlanjutan melalui langkah
1.645.463
nyata yang menciptakan nilai Unit
2025
jangka panjang bagi seluruh Units
pemangku kepentingan."
2024 2023
“FIFGROUP strengthens its commitment to 1.685.264 1.601.954
sustainability through concrete steps that create
long-term value for all stakeholders.”
Pembiayaan Konsumtif Pembiayaan Multiguna
Consumer Financing Multipurpose Financing
2025 57.575 Unit
Units
2025 1.628.090 Unit
Units
2024 2023 2024 2023
84.632 93.481 1.422.872 1.426.122
Pembiayaan Syariah Pembiayaan Mikro Produktif
Sharia Financing Micro Productive Financing
2025 28.606 Unit
Units
2025 25.980 Unit
Units
2024 2023 2024 2023
22.794 21.130 13.534 13.453
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Biaya
Pendapatan Laba (Rugi) – Neto Keberlanjutan
Income Profit (Loss) - Net Sustainability Spending
2025 Rp13.514.572 million
juta
Rp4.632.629 million
juta
13.879 million
juta
2025 2025
2024 2023 2024 2023 2024 2023
Rp12.153.904 Rp10.416.484 Rp4.415.534 Rp4.107.391 Rp12.980 Rp12.210
Pelibatan Pihak Lokal
Involvement of local parties
100%
2024 2023
Pemasok Lokal
Local Suppliers 100% 100%
Aspek Lingkungan Hidup [OJK B.2]
Environmental Aspect [OJK B.2]
Penggunaan
Penggunaan Penggunaan
Energi Bahan
Energi Listrik Energi Terbarukan
Bakar Minyak
Electricity Usage Renewable Energy
Fuel Oil Energy
Usage
Usage
2025 83.986.544 MJ 2025 49.673.360 MJ 2025 23.508.423 MJ
2024 2023 2024 2023 2024 2023
83.058.260 76.370.800 48.066.150 48.322.750 17.480.400 7.059.220
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Pemasangan
Penggunaan
Solar Panel Pengambilan Air
Energi
Solar Panel Water Withdrawal
Energy Usage
Installation
262.808 Liters
Liter
2025 157.168.328 MJ 2025 454.469 kWh 2025
2024 2023 2024 2023 2024 2023
148.604.810 131.752.770 317.800 211.958 238.079 211.312
Penanaman & Pengelolaan Hutan FIFGROUP
FIFGROUP Forest Planting & Management
2025 97.000 pohon
trees
*Penurunan jumlah pohon disebabkan oleh fokus perusahaan terhadap
penanaman 25.000 pohon untuk carbon offset di Hutan FIFGROUP,
yang secara signifikan berkontribusi pada pemulihan ekosistem dan
2024 2023 penyerapan emisi karbon demi keberlanjutan jangka panjang.
*The decrease in the number of trees is due to the company's focus on
planting 25,000 trees for carbon offsets in the FIFGROUP Forest, which
25.000* 36.720 significantly contributes to ecosystem restoration and carbon emission
absorption for long-term sustainability.
Jumlah Limbah Jumlah Emisi Jumlah
Padat yang Karbon yang Penambahan
Didaur Ulang Dihasilkan (Pengurangan)
Kembali Total Carbon Emisi Karbon
(Pengurangan Emissions Total Addition
Limbah) Produced (Reduction) of
Total Recycled Carbon Emissions
Solid Waste (Waste
Reduction)
2025 14.920 kg 2025 21.966,92 tons of CO2e
ton CO2e
2025 992,34 ton CO2e
tons of CO2e
2024 2023 2024 2023 2024 2023
14.678 10.895 22.959,35 24.071,20 1.111,85 300,26
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Aspek Sosial [OJK B.3]
Social Aspect [OJK B.3]
Realisasi Dana CSR Realisasi Dana Syariah
Realization of CSR Funds Realization of Sharia Fund
2025 10.707 juta
million 2025 12.681 juta
million
2024 2023 2024 2023
9.883 8.684 10.854 7.042
Penerima Manfaat Program CSR Jumlah Jam Pelatihan
CSR Program Beneficiaries Total Training Hours
2025 57.558 orang
beneficiaries 2025 233.274 jam
hours
2024 2023 2024 2023
46.667 29.943 220.587 213.628
2025 23.327 karyawan
employees
Jumlah Karyawan yang Menerima Pelatihan 2024 2023
Total Employees Receiving Training
12.311 12.021
Aspek Tata Kelola
Governance Aspect
Jumlah Keterwakilan Perempuan dalam
Peringkat Komposit Penilaian GCG
Posisi Senior Manajemen
GCG Assessment Composite Score
Total Women Representatives in Senior
Management Positions
2025 2024 2023 2025 2024 2023
23.68% 25,33% 23,68% 1,00 1,00 1,00
(Sangat Sehat) (Sangat Sehat) (Sangat Sehat)
(Very Healthy) (Very Healthy) (Very Healthy)
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan
Awards
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
Name of Awards Award Event Date Organizer
PT Federal International Finance (FIFGROUP) dengan Warta Ekonomi Best 25 Januari 2025 Warta Ekonomi
kategori Multifinance sebagai Best Public Relations Public Relations 2025 January 25, 2025
2025 in Driving Community Awareness through
Educational Talk Shows and Events
PT Federal International Finance (FIFGROUP) in the
Multifinance category as Best Public Relations 2025
in Driving Community Awareness through Educational
Talk Shows and Events
Penghargaan untuk Komitmen Berkelanjutan dengan Astra Corporate Affairs 03 Februari 2025 PT Astra
program FIFriendibility Awards 2024 February 3, 2025 International Tbk.
Award for Sustainable Commitment with the
FIFriendibility program
Juara 3 kategori Astra Green Company (AGC) sub Astra Corporate Affairs 03 Februari 2025 PT Astra
kategori Safety and Occupational Health Awards 2024 February 3, 2025 International Tbk.
3rd place in the Astra Green Company (AGC) category,
subcategory Safety and Occupational Health
Juara 3 kategori Communication Initiatives sub Astra Corporate Affairs 03 Februari 2025 PT Astra
kategori Media Engagement Initiatives Awards 2024 February 3, 2025 International Tbk.
3rd place in the Communication Initiatives category,
subcategory Media Engagement Initiatives
Juara 3 sub kategori Digital Public Astra Corporate Affairs 03 Februari 2025 PT Astra
Engagement Initiatives. Awards 2024 February 3, 2025 International Tbk.
3rd place in subcategory Digital Public
Engagement Initiatives.
Best Women Empowerment Company 2025 in Best Women 11 Februari 2025 HerStory - Warta
Creating Safe and Inclusive Work Environments for Empowerment Company February 11, 2025 Ekonomi
Women kategori Multifinance Awards 2025
Indonesia Best Digital Awards 2025 in Multifinance Indonesia Digital 18 Februari 2025 Plus Idea Komunika dan
for the Development of User-Friendly Mobile App and Sustainability Awards February 18, 2025 JAKTV
Solid Cybersecurity 2025
FIFASTRA mendapat Gold Trophy pada kategori WOW Brand 2025 26 Februari 2025 MarkPlus, Inc. bersama
Motorcycle Leasing February 26, 2025 Marketeers dan
FIFASTRA received the Gold Trophy in the Motorcycle Indonesia Marketing
Leasing category. Association (IMA)
Indonesia Best 50 CEO Awards 2025 “Employees Indonesia 50 CEO 18 Maret 2025 The Iconomics Media
Choice 6th Anniversary Kategori Multifinance” Awards 2025 March 18, 2025 dan Axia Research
PT Federal International Finance - US$60 Million The Asset Triple A 19 Maret 2025 The Asset
Sustainability Loan - Best Sustainability Loan Indonesia Awards March 19, 2025
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
Name of Awards Award Event Date Organizer
Top Digital Corporate Brand Award 2025 Kategori Top Digital Corporate 20 Maret 2025 InfoEkonomi.ID dan TRAS
Pembiayaan Brand Award 2025 March 20, 2025 N CO Indonesia
Top Digital Corporate Brand Award 2025 Financing
Category
"Indonesia Top Financial Woman Leaders 2025 in Indonesia Top Financial 25 April 2025 HerStory - Warta
Developing Effective Communication and Capable Woman Leaders 2025 April 25, 2025 Ekonomi
Organization" untuk kategori Multifinance
Indonesia's Top Female Financial Leaders 2025 in
Developing Effective Communication and Capable
Organizations for the Multifinance category
FIFGROUP sebagai penerima penghargaan 7th 7th Indonesia CSR Brand 29 April 2025 The Iconomics
Indonesia CSR Brand Equity Awards 2025 In Multi Equity Awards 2025 April 29, 2025
Finance Category
FIFGROUP as the recipient of the 7th Indonesia
CSR Brand Equity Awards 2025 in the Multi Finance
Category
Marketeers OMNI Brands of The Year 2025 kategori Marketeers OMNI Brands 3 Juni 2025 The Marketeers
Cross-Channel Community Building of The Year 2025 June 3, 2025
Marketeers OMNI Brands of The Year 2025 with the
Category Cross-Channel Community Building
FIFGROUP is a recipient of the HR Asia Most Caring HR Asia - Best 23 Juni 2025 HR Asia
Company Awards 2025 Companies to Work For June 23, 2025
in Asia 2025
FIFGROUP is a recipient of the HR Asia Best HR Asia - Best 23 Juni 2025 HR Asia
Companies to Work for in Asia 2025 - Indonesia 2025 Companies to Work For June 23, 2025
in Asia 2025
FIFGROUP is a recipient of the HR Asia Tech HR Asia - Best 23 Juni 2025 HR Asia
Empowerment Awards 2025 Companies to Work For June 23, 2025
in Asia 2025
Indonesia Best Consumer Financing Industry for Industry Award 2025 24 Juli 2025 Warta Ekonomi dan
Optimizing Opportunity to Encourage the Growth of July 24, 2025 Industry.co.id
Financing Disbursement
The Excellent Performance Multifinance Company Apresiasi 21st Infobank 01 Agustus 2025 Infobank
Asset Class > 10 Trillion Multifinance Appreciation August 1, 2025
2025
Sri Harjati sebagai Popular PR Person kategori Indonesia PR Awards 08 Agustus 2025 The Iconomics
Multifinance 2025 August 8, 2025
Sri Harjati as Popular PR Person in the Multifinance
category
FIFGROUP sebagai 6th PR Popular Companies Awards Indonesia PR Awards 08 Agustus 2025 The Iconomics
2025 Multifinance Category 2025 August 8, 2025
FIFGROUP as 6th PR Popular Companies Awards
2025 Multifinance Category
Industry Marketing Champion 2025 Kategori Industry Marketing 8 Agustus 2025 MarkPlus, Inc.
Multifinance Champion 2025 August 8, 2025
Industry Marketing Champion 2025 Multifinance
Category
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
Name of Awards Award Event Date Organizer
Indonesia PR Program of The Year 2025 (Board of Awarding Indonesia PR 14 Agustus 2025 Mix Marcomm - SWA
Judges Assessment) of The Year 2024 August 14, 2025 Media
Kategori : MEDIA RELATIONS PROGRAM
Indonesia PR Program of The Year 2025 (Board of
Judges Assessment)
Category : MEDIA RELATIONS PROGRAM
Indonesia PR Program of The Year 2025 (Board of Awarding Indonesia PR 14 Agustus 2025 Mix Marcomm - SWA
Judges Assessment) of The Year 2024 August 14, 2025 Media
Kategori : ESG CAMPAIGN PROGRAM
Indonesia PR Program of The Year 2025 (Board of
Judges Assessment)
Category : ESG CAMPAIGN PROGRAM
Indonesia PR Program of The Year 2025 (Based on Awarding Indonesia PR 14 Agustus 2025 Mix Marcomm - SWA
Engagement Index) of The Year 2024 August 14, 2025 Media
Kategori: MEDIA RELATIONS
Indonesia PR Program of The Year 2025 (Based on
Engagement Index)
Category: MEDIA RELATIONS
Indonesia Best Multifinace 2025 for Strengthening Indonesia Best 27 Agustus 2025 Warta Ekonomi
Portfolio Performance through Interactive Marketing Multifinance Awards August 27, 2025
Strategy (Category: Total Assets Above 30 Trillion) 2025
Siswadi sebagai The Most Commited GRC Leader 2025 TOP GRC 2025 8 September 2025 TopBusiness
Siswadi as the Most Committed GRC Leader 2025 September 8, 2025
FIFGROUP sebagai TOP GRC Awards 2025 (Bintang 4) TOP GRC 2025 8 September 2025 TopBusiness
FIFGROUP won TOP GRC Awards 2025 (4 Stars) September 8, 2025
Platinum Winner of Design Thinking Continuous Improvement 21 September 2025 Productivity & Quality
Convention (CIC) 2025 September 21, 2025 Management (PQM)
Consultants
FIFASTRA sebagai Indonesia Most Reputable Indonesia Most 23 September 2025 Majalah SWA dan
Companies Award 2025 Reputable Companies September 23, 2025 Business Digest
FIFASTRA won Indonesia's Most Reputable Companies Award 2025
Award 2025
Best Social Contribution Reputation in Multifinance Indonesia Best Financial 9 Oktober 2025 The Iconomics
>40T Category Awards 2025 October 9, 2025
3rd Indonesia 20 Most Innovative CFO Awards 2025 20 Most Innovative CFO 9 Oktober 2025 The Iconomics
Awards 2025 October 9, 2025
Indonesia Corporate Sustainability Initiatives 2025 Indonesia Corporate 16 Oktober 2025 Mix Marcomm - SWA
Kategori Social Marketing (Editor Assesment) Sustainability Initiatives October 16, 2025 Media
Indonesia Corporate Sustainability Initiatives 2025 in (CSI) 2025
the Category of Social Marketing (Editor Assesment)
Multifinance Company Category with Assets Above The Best Performing 28 Oktober 2025 The Finance
Rp10 Trillion Multifinance 2025 Based October 28, 2025
on Financial Performance
2022-2024
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
Name of Awards Award Event Date Organizer
The Most Empowering Company for Business Anugerah Penggerak 29 Oktober 2025 Goodmoney.id & IPEMI
Growth Sustainability and Entrepreneurship Skills UMKM Indonesia 2025 October 29, 2025 (Ikatan Pengusaha
Development kategori Multifinance 2025 Indonesian MSME Muslimah Indonesia)
The Most Empowering Company for Business Driving Force Award
Growth Sustainability and Entrepreneurship Skills
Development in Multifinance Category
Indonesia Sustainable Synergy Awards 2025 Indonesia Sustainable 30 Oktober 2025 Plus Idea Komunika dan
for Effective Pollution Control and Livelihoods Synergy October 30, 2025 netralnews.com
Improvement Programs kategori Multifinance Awards and Top CEO
Indonesia Sustainable Synergy Awards 2025 in SDGs Changemaker
for Effective Pollution Control and Livelihoods Awards 2025
Improvement Programs in Multifinance Category
Best Chief Marketing Officer 2025 in Enhancing Indonesia Best CMO 31 Oktober 2025 Warta Ekonomi
Customer Value through Customer-Oriented Financing Awards 2025 October 31, 2025
Solutions Category Multifinance
Best Chief Marketing Officer 2025 in Enhancing
Customer Value through Customer-Oriented Financing
Solutions in Multifinance Category
Penganugerahan Penghargaan K3 Perkantoran & Peringatan Hari 10 November 2025 Walikota Surabaya
GP2SP Provinsi Jawa Timur Pahlawan November 10, 2025
Award Ceremony for Office K3 & GP2SP East Java Heroes' Day
Province Commemoration
Sri Harjati dalam Women in SDGs Action Award 2025: Women in SDGs Action 11 November 2025 Bisnis Indonesia
Perempuan dan Kemandirian Award 2025 November 11, 2025
Sri Harjati in the Women in SDGs Action Award 2025:
Women and Independence
FIFGROUP Cabang Surabaya sebagai anggota Job Fair khusus 25 November 2025 Gubernur Jawa Timur -
Forum CSR Jawa Timur yang aktif berkontribusi penyandang disabilitas November 25, 2025 Pemerintah Daerah Jawa
dalam mendukung pembangunan dan kesejahteraan yang digelar oleh Timur
masyarakat di Jawa Timur Pemerintah Kota
FIFGROUP Surabaya Branch, as a member of the East (Pemkot) Surabaya serta
Java CSR Forum, actively contributes to supporting Dinas Perindustrian dan
development and community welfare in East Java Tenaga Kerja
Job Fair specifically for
FIFGROUP Cabang Surabaya mendapat apresiasi atas people with disabilities 25 November 2025 Gubernur Jawa Timur -
partisipasi dalam kegiatan Job Fair Disabilitas Kota held by the Surabaya November 25, 2025 Pemerintah Daerah Jawa
Surabaya Tahun 2025 City Government and the Timur
FIFGROUP Surabaya Branch received appreciation for Industry and Manpower
its participation in the 2025 Surabaya City Disability Office
Job Fair
Sri Harjati meraih Outstanding Leaders in Sustainability Indonesia Corporate 28 November 2025 Corporate Forum for CSR
Sri Harjati wins Outstanding Leaders in Sustainability Sustainability Award November 28, 2025 Development (CFCD)
award 2025
Gold pada kategori Diveristy, Equity, and Inclusion Indonesia Corporate 28 November 2025 Corporate Forum for CSR
Excellence Sustainability Award November 28, 2025 Development (CFCD)
Gold in the Diversity, Equity, and Inclusion Excellence 2025
category
Silver pada kategori Sustainability Report & Indonesia Corporate 28 November 2025 Corporate Forum for CSR
Communication Excellence Sustainability Award November 28, 2025 Development (CFCD)
Silver in the Sustainability Report & Communication 2025
Excellence category
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
Name of Awards Award Event Date Organizer
Bronze pada kategori Decarbonization Excellence Indonesia Corporate 28 November 2025 Corporate Forum for CSR
Bronze in the Decarbonization Excellence category Sustainability Award November 28, 2025 Development (CFCD)
2025
Bronze pada kategori Health, Safety, & Wellbeing Indonesia Corporate 28 November 2025 Corporate Forum for CSR
Excellence Sustainability Award November 28, 2025 Development (CFCD)
Bronze in the Health, Safety, & Wellbeing Excellence 2025
category
Bronze pada kategori Best Education Development in Indonesia Corporate 28 November 2025 Corporate Forum for CSR
Local Community Sustainability Award November 28, 2025 Development (CFCD)
Bronze in the Best Education 2025
Development in Local Community category
Penganugerahan Penghargaan K3 Perkantoran & Peringatan Hari 3 December 2025 Walikota Surabaya
GP2SP Provinsi Jawa Timur Kesehatan Nasional December 3, 2025
K3 Perkantoran & GP2SP East Java Province Award National Health Day
Disway Awards 2025 - Anugerah Brand Populer Disway Awards 2025 4 December 2025 Disway
Indonesia dalam Kategori Jasa Keuangan Multifinance December 4, 2025
Disway Awards 2025 - Indonesian Popular Brand
Award in the Multifinance Financial Services Category
Siswadi sebagai CEO of the Year 2025 Infobank TOP 100 CEO 8 December 2025 Infobank Media Group
Siswadi as CEO of the Year 2025 2025 & 200 THE NEXT December 8, 2025
FUTURE LEADERS
Daniel Hartono sebagai Infobank 200 THE NEXT Infobank TOP 100 CEO 8 December 2025 Infobank Media Group
FUTURE LEADERS 2025 & 200 THE NEXT December 8, 2025
Daniel Hartono as Infobank 200 THE NEXT FUTURE FUTURE LEADERS
LEADERS
Sertifikasi
Certifications
Nama Sertifikat Jenis Sertifikasi
Name of Certificate Type of Certificate
ISO 27001:2013 Sistem Manajemen Keamanan Informasi (SMKI)
Information Security Management System (ISMS)
ISO 37001:2016 Sistem Manajemen Anti Penyuapan (SMAP)
Anti-Bribery Management System (ABMS)
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Jejak Langkah Keberlanjutan
Sustainable Milestone
Januari 2025
January 2025
FIFGROUP Dukung Pendidikan 448 Anak FIFGROUP Supports the Education of 448
Karyawan se-Indonesia Terima Beasiswa Employees’ Children Across Indonesia with
Prestasi Achievement Scholarships
FIFGROUP melalui pilar CSR FIFGROUP Pintar FIFGROUP, through its CSR pillar FIFGROUP Pintar,
menyalurkan Program Beasiswa Ceria kepada 448 anak distributed the Beasiswa Ceria Scholarship Program to
karyawan berprestasi di seluruh Indonesia. Program 448 high-achieving children of employees across Indonesia.
yang telah berjalan sejak 2013 ini mencatat lebih dari The program, which has been running since 2013, recorded
2.050 pendaftar, meningkat 23% dibandingkan tahun more than 2,050 applicants, an increase of 23% compared
sebelumnya, serta mendukung SDGs No. 4 tentang to the previous year, and supports SDG No. 4 on Quality
Quality Education. Beasiswa diberikan kepada penerima Education. The scholarships were awarded to recipients
dari jenjang SD hingga Perguruan Tinggi, dengan total ranging from elementary school to university level, with the
nilai bantuan pendidikan yang disesuaikan berdasarkan total amount of educational assistance adjusted according
jenjang pendidikan. to each level of education.
600 UMKM dari 30 Kota Antusias Ikuti 600 MSMEs from 30 Cities Enthusiastically
Program Inkubasi Sahabat FINATRA Participate in the Sahabat FINATRA
Incubation Program
FIFGROUP melalui program inkubasi Sahabat FINATRA FIFGROUP, through the Sahabat FINATRA incubation
mendukung penguatan kapasitas 600 UMKM dari 30 program, supports capacity building for 600 MSMEs from
kota di Indonesia melalui pelatihan, mentoring, dan akses 30 cities in Indonesia through training, mentoring, and
permodalan. Pada tahun 2024, program ini mencatat 1.357 access to capital. In 2024, the program recorded 1,357
pendaftar, meningkat lebih dari 2,5 kali lipat dibandingkan registrants, an increase of more than 2.5 times compared
tahun sebelumnya, serta selaras dengan Sustainable to the previous year, and is in line with Sustainable
Development Goals (SDGs) No. 8 tentang Pekerjaan Layak Development Goal (SDG) No. 8 on Decent Work and
dan Pertumbuhan Ekonomi. Economic Growth.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Februari 2025
February 2025
FIFGROUP Raih Penghargaan Best Women FIFGROUP Wins Best Women
Empowerment Company Awards 2025 Empowerment Company Awards 2025
FIFGROUP meraih Best Women Empowerment Company FIFGROUP won the Best Women Empowerment Company
Awards 2025 kategori Multifinance dari HerStory atas Awards 2025 in the Multifinance category from HerStory
komitmennya dalam menciptakan lingkungan kerja yang for its commitment to creating a safe and inclusive
aman dan inklusif bagi perempuan. Penghargaan ini work environment for women. This award was given
diberikan berdasarkan penilaian terhadap kepemimpinan, based on an assessment of leadership, gender equality
praktik kesetaraan gender, pemberdayaan ekonomi practices, women’s economic empowerment, the use
perempuan, pemanfaatan teknologi digital, serta of digital technology, as well as corporate transparency
transparansi dan pelaporan perusahaan. and reporting.
FIFGROUP Raih Penghargaan the Indonesia FIFGROUP Receives the Indonesia Digital
Digital Sustainability Awards 2025 Sustainability Awards 2025
FIFGROUP meraih Indonesia Digital Sustainability Awards FIFGROUP won the Indonesia Digital Sustainability Awards
(IDSA) 2025 kategori Multifinance atas pengembangan (IDSA) 2025 in the Multifinance category for developing a
aplikasi mobile yang ramah pengguna serta sistem user-friendly mobile application and a reliable cybersecurity
keamanan siber yang andal. Penghargaan ini diberikan system. This award was given in appreciation of the
sebagai apresiasi atas penerapan efisiensi, transparansi, consistent implementation of efficiency, transparency,
dan keberlanjutan digital yang konsisten dalam mendukung and digital sustainability in supporting long-term business
ketahanan dan pertumbuhan bisnis jangka panjang. resilience and growth.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Maret 2025
March 2025
Dukung Kesehatan Masyarakat, FIFGROUP Supporting Public Health, FIFGROUP
Resmikan Kampung Sehat Kedua di Jakarta Inaugurates the Second Kampung Sehat in
Selatan South Jakarta
FIFGROUP meresmikan Kampung Sehat FIFGROUP FIFGROUP inaugurated its second Kampung Sehat
kedua di Kelurahan Pondok Labu, Jakarta Selatan, melalui in Pondok Labu Village, South Jakarta, through the
pembangunan Instalasi Pengolahan Air Limbah (IPAL) construction of a Community Wastewater Treatment Plant
Komunal berbasis Sanitasi Total Berbasis Masyarakat (IPAL/WWTP) based on Community-Based Total Sanitation
(STBM). Program ini memberikan akses sanitasi layak bagi (STBM). This program provides access to proper sanitation
47 Kepala Keluarga (KK) serta mendukung Sustainable for 47 households and supports Sustainable Development
Development Goals (SDGs) No. 3 tentang Kehidupan Sehat Goals (SDGs) No. 3 on Good Health and Well-being and No.
dan Sejahtera dan No. 6 tentang Air Bersih dan Sanitasi 6 on Clean Water and Sanitation, as part of the Company’s
Layak, sebagai bagian dari komitmen Perseroan dalam commitment to improving the quality of urban public health.
meningkatkan kualitas kesehatan masyarakat perkotaan.
FIFGROUP Raih The Asset Triple A Awards FIFGROUP Wins The Asset Triple A Awards
Sustainable Finance 2025 Sustainable Finance 2025
FIFGROUP meraih penghargaan Best Sustainability Loan FIFGROUP won the Best Sustainability Loan Indonesia
Indonesia pada ajang The Asset Triple A Awards Sustainable award at The Asset Triple A Awards Sustainable Finance
Finance 2025 atas penerbitan pinjaman berkelanjutan 2025 for issuing a sustainable loan worth US$60 million.
senilai US$60 juta. Fasilitas pembiayaan ini dialokasikan This financing facility is allocated for green projects such
untuk proyek hijau seperti kendaraan listrik, sepeda listrik, as electric vehicles, electric bicycles, and solar panels,
dan panel surya, serta proyek sosial yang mendukung as well as social projects that support MSMEs, people
UMKM, penyandang disabilitas, dan perempuan, sebagai with disabilities, and women, as part of the Company’s
bagian dari komitmen Perseroan terhadap keuangan commitment to sustainable finance and climate
berkelanjutan dan penanganan perubahan iklim. change mitigation.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
FIFGROUP Peduli Berbagi Takjil, Tebarkan FIFGROUP Peduli: Sharing Iftar Snacks,
Kebaikan dalam di Bulan Suci Ramadan Spreading Kindness in the Holy Month of
Ramadan
FIFGROUP melalui program FIFGROUP Peduli Berbagi Takjil Through the FIFGROUP Peduli program 2025, FIFGROUP
2025 menyalurkan 14.940 paket takjil kepada masyarakat distributed 14,940 iftar snacks to communities spread across
yang tersebar di lebih dari 247 cabang dari Sabang hingga more than 247 branches from Sabang to Merauke, with a
Merauke, dengan total nilai bantuan lebih dari Rp360 juta. total value of more than Rp360 million. This activity is part
Kegiatan ini merupakan bagian dari inisiatif Corporate of the Corporate Social Responsibility (CSR) initiative as well
Social Responsibility (CSR) sekaligus peringatan HUT as the commemoration of FIFGROUP’s 36th anniversary, as
ke-36 FIFGROUP, sebagai wujud komitmen Perseroan a manifestation of the Company’s commitment to spreading
dalam menebarkan manfaat dan kepedulian sosial di bulan benefits and social care during the holy month of Ramadan.
suci Ramadan.
April 2025
April 2025
FIFGROUP Nobatkan Guru Penggerak FIFGROUP Crowns Financial Literacy
Literasi Keuangan sebagai Duta MENYALA Champion Teachers as MENYALA
di Teacher Summit 2025 Ambassadors at Teacher Summit 2025
FIFGROUP menggelar Teacher Summit 2025 dan FIFGROUP held the Teacher Summit 2025 and appointed
menobatkan 36 Guru Penggerak Literasi Keuangan sebagai 36 Financial Literacy Champion Teachers as MENYALA
Duta MENYALA, sebagai bentuk apresiasi atas kontribusi Ambassadors, as a form of appreciation for their active
aktif mereka dalam Program Menyuarakan Literasi Melalui contributions to the Menyuarakan Literasi Melalui Aksi
Aksi (MENYALA) sepanjang 2024. Hingga akhir 2024, (MENYALA) Program throughout 2024. By the end of 2024,
program CSR pilar FIFGROUP Pintar ini telah memberikan this CSR initiative under the FIFGROUP Pintar pillar had
manfaat kepada 5.056 guru dan 14.512 siswa di lebih dari benefited 5,056 teachers and 14,512 students from more
200 sekolah di seluruh Indonesia, serta mendukung SDGs than 200 schools across Indonesia, while also supporting
No. 4 (Pendidikan Berkualitas), No. 8 (Pekerjaan Layak SDGs No. 4 (Quality Education), No. 8 (Decent Work and
dan Pertumbuhan Ekonomi), dan No. 10 (Pengurangan Economic Growth), and No. 10 (Reduced Inequalities).
Ketimpangan).
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Juni 2025
June 2025
Berbagi Berkah Idul Adha, FIFGROUP Tebar Sharing the Blessings of Eid al-Adha,
4 Sapi dan 497 Kambing Hingga Pelosok FIFGROUP Distributes 4 Cows and 497
Negeri Goats Across the Country
FIFGROUP melalui program FIFGROUP Peduli Tebar Kurban Through its FIFGROUP Peduli Tebar Kurban Nusantara
Nusantara menyalurkan 501 hewan kurban yang terdiri program, FIFGROUP distributed 501 sacrificial animals,
dari 4 ekor sapi dan 497 ekor kambing, dengan total nilai consisting of 4 cows and 497 goats, with a total value of
Rp2,052 miliar, ke masyarakat di sekitar kantor pusat serta Rp2.052 billion, to communities around its head office and
251 titik cabang di seluruh Indonesia. 251 branch locations throughout Indonesia.
Juli 2025
July 2025
Perkuat Komitmen Keberlanjutan, Strengthening Its Sustainability
FIFGROUP Resmikan Kampung Berseri Commitment, FIFGROUP Inaugurates its
Astra (KBA) Binaan Kedua di Sumatera Second Assisted Kampung Berseri Astra
Barat (KBA) in West Sumatra
FIFGROUP meresmikan Kampung Berseri Astra (KBA) FIFGROUP inaugurated the FIFGROUP-Assisted Kampung
Binaan FIFGROUP Rafflesia Batang Palupuh di Kabupaten Berseri Astra (KBA) Rafflesia Batang Palupuh in Agam
Agam, Sumatera Barat, sebagai KBA binaan kedua Regency, West Sumatra, marking it as FIFGROUP’s second
FIFGROUP di Indonesia. Program ini dikembangkan melalui assisted KBA in Indonesia. The program is developed
empat pilar keberlanjutan yaitu FIFGROUP Sehat, Pintar, through FIFGROUP’s four sustainability pillars, namely
Sejahtera, dan Lestari, serta mendukung pencapaian FIFGROUP Sehat, Pintar, Sejahtera, and Lestari, and
SDGs No. 1, 2, 3, 4, dan 12. Hingga Juni 2025, Astra telah supports the achievement of SDGs No. 1, 2, 3, 4, and 12. As
membina 235 Kampung Berseri Astra di seluruh Indonesia of June 2025, the Astra has assisted 235 Kampung Berseri
sebagai bagian dari komitmen pembangunan masyarakat Astra villages across Indonesia as part of its commitment
yang berkelanjutan. to sustainable community development.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
FIFGROUP dan Asa Menuju Tempat Kerja FIFGROUP and the Aspiration for a More
Lebih Manusiawi Humane Workplace
FIFGROUP meraih tiga penghargaan pada ajang HR Asia FIFGROUP won three awards at the HR Asia Awards 2025
Awards 2025 yaitu HR Asia Best Companies to Work event, namely HR Asia Best Companies to Work for in
For in Asia 2025, HR Asia Tech Empowerment Awards Asia 2025, HR Asia Tech Empowerment Awards 2025,
2025, dan HR Asia Most Caring Company Awards 2025. and HR Asia Most Caring Company Awards 2025. These
Penghargaan ini diberikan melalui proses seleksi yang awards were given through a selection process involving
melibatkan 2,5 juta responden dan 20.000 perusahaan di 2.5 million respondents and 20,000 companies in Asia, in
Asia, sebagai pengakuan atas komitmen Perseroan dalam recognition of the Company’s commitment to building a
membangun lingkungan kerja yang aman, inklusif, peduli, safe, inclusive, caring, and sustainable work environment,
dan berkelanjutan, sejalan dengan nilai Catur Dharma Astra in line with Astra’s Catur Dharma values and the principles
dan prinsip Diversity, Equity, and Inclusion (DEI). of Diversity, Equity, and Inclusion (DEI).
FIFGROUP Dorong Pemberdayaan UMKM FIFGROUP Promotes MSME Empowerment
Lewat FIFestival Kuliner 2025 Through FIFestival Kuliner 2025
FIFGROUP melalui FIFestival Kuliner 2025 mendorong FIFGROUP, through FIFestival Kuliner 2025, promotes
pemberdayaan 25 UMKM binaan dengan menghadirkan the empowerment of 25 MSMEs under its guidance by
ruang promosi dan pengembangan usaha pada 8–10 Juli providing a space for promotion and business development
2025 di Jakarta Selatan. Inisiatif ini merupakan bagian on July 8–10, 2025, in South Jakarta. This initiative is
dari pilar CSR FIFGROUP Sejahtera yang mendukung part of FIFGROUP Sejahtera’s CSR pillar, which supports
Sustainable Development Goals (SDGs) No. 8 tentang Sustainable Development Goal (SDG) No. 8 on Decent Work
Pekerjaan Layak dan Pertumbuhan Ekonomi, sekaligus and Economic Growth, while strengthening the sustainable
memperkuat ekosistem UMKM yang berkelanjutan melalui MSME ecosystem through collaboration, financing, and
kolaborasi, pembiayaan, dan peningkatan daya saing increasing the competitiveness of local businesses.
pelaku usaha lokal.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Dorong Purnabakti Jadi Pengusaha, Encouraging Retirees to Become
FIFGROUP Gelar Inaugurasi dan Kick Off Entrepreneurs, FIFGROUP Holds
Program FIFPreneur Inauguration and Kick Off of FIFPreneur
Program
FIFGROUP menggelar Inaugurasi FIFPreneur Batch 1 FIFGROUP held the Inauguration of FIFPreneur Batch
sekaligus Kick Off FIFPreneur Batch 2 pada 29 Juli 2025 1 and Kick Off of FIFPreneur Batch 2 on July 29, 2025,
sebagai upaya pemberdayaan karyawan purnabakti untuk as an effort to empower retired employees to become
menjadi wirausahawan mandiri. Program di bawah pilar independent entrepreneurs. This program, under the
FIFGROUP Sejahtera ini telah mendampingi 19 peserta FIFGROUP Sejahtera pillar, has assisted 19 participants
Batch 1 dengan hasil peningkatan omzet hingga 50%, serta in Batch 1, resulting in a 50% increase in turnover, and
melibatkan 37 Peserta Batch 2 (naik 95%) untuk pelatihan involves 37 participants in Batch 2 (an 95% increase) for
dan pendampingan kewirausahaan, sejalan dengan SDGs entrepreneurship training and mentoring, in line with SDG
No. 8 tentang Pekerjaan Layak dan Pertumbuhan Ekonomi. No. 8 on Decent Work and Economic Growth.
Agustus 2025
August 2025
FIFGROUP Resmikan Integrasi Layanan FIFGROUP Launches Primary Care
Primer di Semarang, Dukung Transformasi Integration Program in Semarang,
Kesehatan Nasional Supporting National Health Transformation
FIFGROUP meresmikan Program Integrasi Layanan FIFGROUP launched the FIFGROUP-supported Primary Care
Primer (ILP) Binaan FIFGROUP di Puskesmas Pembantu Integration Program (ILP) at the Sendangguwo Community
Sendangguwo, Semarang, pada Agustus 2025 sebagai Health Center in Semarang in August 2025 as part of
dukungan terhadap Transformasi Kesehatan Nasional. its support for National Health Transformation. Through
Melalui pilar FIFGROUP Sehat, Perseroan berkontribusi the FIFGROUP Sehat pillar, the Company contributes to
pada penguatan layanan kesehatan primer melalui strengthening primary health services through the provision
bantuan alat kesehatan, renovasi fasilitas, pelatihan 50 of medical equipment, facility renovations, training for 50
kader posyandu, serta digitalisasi pemantauan kesehatan, posyandu cadres, and the digitization of health monitoring,
dengan target menjangkau hingga 18.000 masyarakat, with a target of reaching up to 18,000 people, in line with
sejalan dengan SDGs No. 3 tentang Kehidupan Sehat SDG No. 3 on Good Health and Well-being.
dan Sejahtera.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
September 2025
September 2025
Perluas Pengelolaan Hutan dan Expanding Forest Management
Pemberdayaan Ekonomi Berbasis and Community-Based Economic
Komunitas, FIFGROUP Tegaskan Komitmen Empowerment, FIFGROUP Affirms Its
Keberlanjutan Commitment to Sustainability
FIFGROUP memperluas Hutan FIFGROUP sekaligus FIFGROUP is expanding the FIFGROUP Forest while also
meresmikan Desa Sejahtera Astra (DSA) binaan FIFGROUP inaugurating the first Desa Sejahtera Astra (DSA) under
pertama di Garut pada September 2025 sebagai upaya FIFGROUP’s guidance in Garut in September 2025 as
pengurangan emisi karbon dan pemberdayaan ekonomi an effort to reduce carbon emissions and empower the
masyarakat. Hingga 2025, Perseroan menargetkan community economically. By 2025, the Company targets
penanaman 30.000 pohon melalui pendekatan agroforestri to plant 30,000 trees through agroforestry approaches
serta pengembangan UMKM lokal, sejalan dengan and the development of local MSMEs, in line with its
dukungan terhadap SDGs No. 8, 13, dan 15 serta Astra support for SDGs No. 8, 13, and 15 as well as Astra 2030
2030 Sustainability Aspirations. Sustainability Aspirations.
Oktober 2025
October 2025
FIFGROUP Dukung Kesehatan dan FIFGROUP Supports Health and the
Lingkungan, Bangun UKS di SDN 2 Environment, Building a School Health Unit
Bojongmenteng dan Tanam 360 Pohon di at SDN 2 Bojongmenteng and Planting 360
Lebak, Banten Trees in Lebak, Banten
FIFGROUP melalui pilar CSR FIFGROUP Peduli meresmikan FIFGROUP, through its CSR pillar FIFGROUP Peduli,
Ruang Usaha Kesehatan Sekolah (UKS) di SDN 2 inaugurated a School Health Unit (UKS) at SDN 2
Bojongmenteng, Kabupaten Lebak, serta melakukan Bojongmenteng, Lebak Regency, and planted 360 trees
penanaman 360 pohon di wilayah Desa Kanekes, in the Kanekes Village area, Banten, as a form of support
Banten, sebagai wujud dukungan terhadap kesehatan for children’s health, quality education, and environmental
anak, pendidikan berkualitas, dan pelestarian lingkungan, preservation, in line with SDGs No. 3, 4, and 13 as well as
sejalan dengan SDGs No. 3, 4, dan 13 serta Astra 2030 Astra 2030 Sustainability Aspirations.
Sustainability Aspirations.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Dampingi 423 UMKM, FIFGROUP Salurkan Supporting 423 MSMEs, FIFGROUP
Pembiayaan Tanpa Bunga Rp1,56 Miliar Distributes Rp1.56 Billion in Interest-Free
Financing
FIFGROUP melalui Program Dana Bergulir FIFGROUP Through the FIFGROUP 2025 Revolving Fund Program,
2025 menyalurkan pembiayaan tanpa bunga sebesar FIFGROUP distributed Rp1,56 billion in interest-free
Rp1,56 miliar kepada 423 UMKM di seluruh Indonesia financing to 423 MSMEs throughout Indonesia as part of the
sebagai bagian dari pilar FIFGROUP Sejahtera. Program FIFGROUP Sejahtera pillar. This program is complemented
ini dilengkapi dengan pendampingan dan pelatihan by business development assistance and training to
pengembangan usaha guna memperkuat daya saing UMKM strengthen the competitiveness of MSMEs in a sustainable
secara berkelanjutan serta mendukung pertumbuhan manner and support national economic growth.
ekonomi nasional.
FIFGROUP Raih Penghargaan dalam FIFGROUP Wins Award at Indonesia
Ajang Indonesia Corporate Sustainability Corporate Sustainability Initiatives 2025
Initiatives 2025
FIFGROUP meraih penghargaan Indonesia Corporate FIFGROUP won the Indonesia Corporate Sustainability
Sustainability Initiatives (CSI) 2025 dengan Predikat Good Initiatives (CSI) 2025 award with a Good rating in the
pada kategori Social Marketing (Editor Assessment) melalui Social Marketing (Editor Assessment) category through
program FIFestival Kuliner 2025. Penghargaan ini menjadi the FIFestival Kuliner 2025 program. This award recognizes
pengakuan atas komitmen Perseroan dalam menjalankan the Company’s commitment to implementing sustainability
inisiatif keberlanjutan berbasis pemberdayaan UMKM, yang initiatives based on MSME empowerment, which is in
sejalan dengan penerapan Environmental, Social, and line with the application of Environmental, Social, and
Governance (ESG) serta mendukung SDGs No. 8 tentang Governance (ESG) principles and supports SDG No. 8
Pekerjaan Layak dan Pertumbuhan Ekonomi dan No. 10 on Decent Work and Economic Growth and No. 10 on
tentang Pengurangan Ketimpangan. Reduced Inequalities.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
November 2025
November 2025
Direktur FIFGROUP Dianugerahi Women in FIFGROUP Director Awarded Women in
SDGs Action Award 2025 SDGs Action Award 2025
FIFGROUP kembali meraih apresiasi nasional melalui FIFGROUP has once again received national recognition
penganugerahan Women in SDGs Action Award 2025 through the Women in SDGs Action Award 2025, awarded
kepada Direktur FIFGROUP, Sri Harjati, atas kontribusinya to FIFGROUP Director Sri Harjati for her contribution
dalam menginisiasi program literasi keuangan, beasiswa, in initiating financial literacy programs, scholarships,
dan keberlanjutan perusahaan yang memperkuat akses and corporate sustainability that strengthen access to
pendidikan. Penghargaan ini mencerminkan komitmen education. This award reflects the Company’s commitment
Perseroan dalam mendukung SDGs No. 4 tentang to supporting SDG No. 4 on Quality Education through the
Pendidikan Berkualitas melalui implementasi program implementation of sustainable programs under the four
berkelanjutan di bawah empat pilar CSR FIFGROUP. pillars of FIFGROUP’s CSR.
FIFGROUP Dukung Pembangunan Rumah FIFGROUP Supports the Construction of
Ibadah Lima Agama di Bandung, Salurkan Houses of Worship for Five Religions in
Bantuan Rp216 Juta Bandung, Distributes Aid Worth Rp216
Million
FIFGROUP melalui program CSR FIFGROUP Peduli FIFGROUP, through its CSR program FIFGROUP Peduli,
menyalurkan bantuan sosial senilai Rp216 juta kepada distributed social assistance worth Rp216 million to six
6 rumah ibadah dari 5 agama di Kota Bandung sebagai houses of worship from five religions in the city of Bandung
dukungan pembangunan fasilitas ibadah yang inklusif, as support for the construction of inclusive worship
sejalan dengan SDGs No. 11 tentang Kota dan Permukiman facilities, in line with SDG No. 11 on Sustainable Cities and
yang Berkelanjutan. Communities.Reduced Inequalities.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Dukung Pertumbuhan UMKM, FIFGROUP Supporting MSME Growth, FIFGROUP
Hadirkan Kembali Program Sahabat Reintroduces the Sahabat FINATRA 2025
FINATRA 2025 Program
FIFGROUP kembali menghadirkan Program Sahabat FIFGROUP has reintroduced the Sahabat FINATRA
FINATRA 2025 sebagai upaya mendukung pertumbuhan 2025 Program in an effort to support the growth of
Usaha Mikro, Kecil, dan Menengah (UMKM) melalui inkubasi Micro, Small, and Medium Enterprises (MSMEs) through
bisnis, pelatihan pengelolaan keuangan, pendampingan business incubation, financial management training,
digital, serta akses pembiayaan produktif. Program ini digital assistance, and access to productive financing.
mencerminkan komitmen Perseroan terhadap pembiayaan This program reflects the Company’s commitment to
berkelanjutan, sejalan dengan SDGs No. 8 tentang sustainable financing, in line with SDG No. 8 on Decent
Pekerjaan Layak dan Pertumbuhan Ekonomi, serta Work and Economic Growth. It adopts the principles of
mengadopsi prinsip Gender Equality and Social Inclusion Gender Equality and Social Inclusion (GESI) to ensure
(GESI) untuk memastikan pengembangan UMKM yang inclusive and equitable MSME development.
inklusif dan berkeadilan.
Desember 2025
December 2025
FIFGROUP Kembali Gelar Program Young FIFGROUP Launches Young Leader 2025
Leader 2025, Bentuk Generasi Pemimpin Program, Shaping the Future Generation of
Masa Depan Leaders
FIFGROUP menggelar Program Beasiswa FIFGROUP FIFGROUP launched the FIFGROUP Young Leader (FYL)
Young Leader (FYL) 2025 sebagai wujud komitmen dalam 2025 Scholarship Program as part of its commitment to
membentuk generasi pemimpin masa depan melalui shaping the future generation of leaders through quality
dukungan pendidikan berkualitas dan pengembangan education and youth talent development. In 2025,
talenta muda. Pada tahun 2025, FIFGROUP menyalurkan FIFGROUP distributed scholarships worth a total of Rp324
beasiswa senilai total Rp324 juta kepada 36 mahasiswa million to 36 selected students from all over Indonesia,
terpilih dari seluruh Indonesia, yang dilengkapi dengan complemented by a one-year competency development
program pengembangan kompetensi selama satu tahun, program, in line with the FIFGROUP Pintar pillar and
sejalan dengan pilar FIFGROUP Pintar dan komitmen the Company’s commitment to supporting sustainable
Perseroan dalam mendukung pembangunan manusia human development.
yang berkelanjutan.
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Tentang Kami About Us
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
02
Sustainability Governance Sustainability Performance
Pesan
Presiden Direktur
Message from President Director
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Siswadi
Presiden Direktur
President Director
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Pesan Presiden Direktur [OJK D.1][GRI 2-22]
Message from President Director
Keberlanjutan bukan sekadar komitmen, tetapi arah strategis yang membimbing setiap
keputusan dan pertumbuhan FIFGROUP. Melalui integrasi ESG yang konsisten, kami
membangun fondasi bisnis yang tangguh dan bernilai jangka panjang.
Sustainability is not just a commitment, but a strategic direction that guides every decision and FIFGROUP’s growth.
Through consistent ESG integration, we are building a strong and long-term business foundation.
Para Pemangku Kepentingan yang Terhormat,
Dear Honorable Stakeholders,
Sebagai perusahaan pembiayaan yang tumbuh dan As a financing company that grows and develops
berkembang bersama masyarakat Indonesia, PT alongside the Indonesian people, PT Federal
Federal International Finance ("FIFGROUP" atau International Finance ("FIFGROUP" or "the Company")
"Perseroan") memandang keberlanjutan sebagai views sustainability as both a responsibility and a
tanggung jawab sekaligus peluang strategis untuk strategic opportunity to create quality and resilient
menciptakan pertumbuhan yang berkualitas dan growth. Entering 2025, the dynamics of sustainable
berdaya tahan. Memasuki tahun 2025, dinamika finance regulations, increased transparency
regulasi keuangan berkelanjutan, peningkatan standards, and stakeholder expectations for
standar transparansi, serta ekspektasi pemangku Environmental, Social, and Governance (ESG)
kepentingan terhadap praktik Environmental, practices are driving the Company to strengthen the
Social, and Governance (ESG) yang semakin tinggi integration of environmental, social, and governance
mendorong Perseroan untuk memperkuat integrasi aspects in every business decision.
aspek lingkungan, sosial, dan tata kelola dalam setiap
pengambilan keputusan bisnis.
Perubahan iklim yang semakin nyata, termasuk The increasing impacts of climate change, including
potensi risiko fisik dan risiko transisi menuju ekonomi potential physical and transition risks toward a low-
rendah karbon, turut menjadi pertimbangan strategis carbon economy, are also key strategic considerations
dalam pengelolaan portofolio pembiayaan dan in the Company’s financing portfolio and risk
manajemen risiko Perseroan. Dalam merespons management. In responding to these challenges,
berbagai tantangan tersebut, FIFGROUP secara FIFGROUP consistently aligns its business strategy
konsisten menyelaraskan strategi bisnis dengan with sustainable finance principles, strengthens
prinsip keuangan berkelanjutan, memperkuat tata governance, and develops inclusive and responsible
kelola, serta mengembangkan pembiayaan yang financing. The Company is committed to growing its
inklusif dan bertanggung jawab. Perseroan berupaya business not only in terms of financial performance,
memastikan bahwa pertumbuhan usaha tidak hanya but also in terms of creating long-term value for
berorientasi pada kinerja finansial, tetapi juga pada society, the environment, and all stakeholders.
penciptaan nilai jangka panjang bagi masyarakat,
lingkungan, dan seluruh pemangku kepentingan.
Kebijakan Merespons Tantangan: Policy in Response to Challenges:
Strategi Keberlanjutan dalam Sustainability Strategy in Addressing
Mengatasi Tantangan [OJK D.1.A] Challenges [OJK D.1.A]
Dalam merespons dinamika eksternal dan tantangan In responding to external dynamics and evolving
internal yang terus berkembang, FIFGROUP internal challenges, FIFGROUP affirms its commitment
menegaskan komitmen untuk menjadikan to making sustainability an integral part of the
keberlanjutan sebagai bagian integral dari strategi Company's business strategy and risk management
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bisnis dan sistem pengelolaan risiko Perseroan. Pendekatan ini system. This approach aims not only to achieve compliance
tidak hanya bertujuan untuk memastikan kepatuhan terhadap with sustainable finance regulations but also to strengthen the
regulasi keuangan berkelanjutan, tetapi juga untuk memperkuat resilience of the business model in the long term.
ketahanan model bisnis dalam jangka panjang.
Arah kebijakan keberlanjutan Perseroan dituangkan dalam The Company's sustainability policy direction is outlined in the
FIFGROUP 2030 Sustainability Framework & Initiatives, FIFGROUP 2030 Sustainability Framework & Initiatives, which
yang menjadi peta jalan strategis dalam mengintegrasikan serves as a strategic roadmap for integrating ESG principles
prinsip ESG ke dalam seluruh lini operasional. Kerangka ini into all lines of operation. This framework is built on a triple-P
dibangun di atas strategi triple-P: Portfolio, People, dan Public strategy: Portfolio, People, and Public Contribution, which
Contribution, yang memastikan bahwa keberlanjutan dikelola assures that sustainability is managed comprehensively, in
secara menyeluruh, baik dari sisi portofolio pembiayaan, terms of financing portfolio, human capital management, and
pengelolaan sumber daya manusia, maupun kontribusi sosial social contribution to the community.
kepada masyarakat.
Pada aspek Portfolio, Perseroan memperkuat kebijakan In terms of Portfolio, the Company reinforces its sustainable
pembiayaan berkelanjutan dengan mengembangkan produk financing policy by developing products that support a low-
yang mendukung ekonomi rendah karbon dan inklusif, termasuk carbon and inclusive economy, including financing for electric
pembiayaan kendaraan listrik, panel surya, pembiayaan vehicles, solar panels, productive microfinance for MSMEs, and
mikro produktif bagi UMKM, serta akses pembiayaan bagi access to financing for people with disabilities. This policy is
penyandang disabilitas. Kebijakan ini juga disertai dengan also accompanied by the strengthening of the due diligence
penguatan proses due diligence dan integrasi pertimbangan process and the integration of ESG considerations in financing
ESG dalam analisis pembiayaan, sehingga risiko lingkungan analysis, so that environmental and social risks, including
dan sosial, termasuk risiko terkait iklim, mulai dipertimbangkan climate-related risks, are taken into account in the Company's
dalam kerangka manajemen risiko Perseroan. risk management framework.
Pada aspek People, kebijakan keberlanjutan diarahkan pada In terms of People, the sustainability policy is directed at
pembangunan sumber daya manusia yang tangguh, inklusif, dan developing human capital that is resilient, inclusive, and adaptive
adaptif terhadap transformasi industri. Perseroan memperkuat to industrial transformation. The Company strengthens its culture
budaya keselamatan dan kesehatan kerja, mendorong of occupational safety and health, promotes equal opportunities,
kesetaraan kesempatan, serta meningkatkan kompetensi and improves employee competencies through structured
karyawan melalui program pengembangan terstruktur di development programs under the FIFGROUP Academy. This
bawah FIFGROUP Academy. Langkah ini menjadi fondasi step serves as a foundation in facing regulatory changes and
dalam menghadapi perubahan regulasi dan meningkatnya the increasing complexity of sustainability risk management.
kompleksitas pengelolaan risiko keberlanjutan.
Sementara itu, pada aspek Public Contribution, kebijakan Regarding Public Contribution, social responsibility policies
tanggung jawab sosial dijalankan secara terarah melalui empat are implemented in a targeted manner through four main
pilar utama yaitu FIFGROUP Sehat, Pintar, Sejahtera, dan Lestari- pillars, namely FIFGROUP Sehat, Pintar, Sejahtera, and Lestari,
yang diperkuat dengan program filantropi FIFGROUP Peduli. which are reinforced by the FIFGROUP Peduli philanthropy
Seluruh program dirancang untuk memberikan dampak sosial program. All programs are designed to provide measurable
yang terukur, selaras dengan kebutuhan masyarakat, serta social impact, align with community needs, and support the
mendukung agenda pembangunan berkelanjutan nasional. national sustainable development agenda.
Dalam rangka memastikan efektivitas implementasi, Perseroan To obtain effective implementation, the Company also conducts a
juga menjalankan proses identifikasi risiko keberlanjutan dan process of identifying sustainability and climate risks in accordance
risiko iklim yang mengacu pada IFRS S2 Climate-related with IFRS S2 Climate-related Disclosures, conducts materiality
Disclosures, melakukan penilaian materialitas, serta menetapkan assessments, and sets action priorities and periodic monitoring
prioritas aksi dan pemantauan berkala melalui Sustainability through the Sustainability Index. Through this approach, sustainability
Index. Dengan pendekatan ini, kebijakan keberlanjutan tidak policies are systematically embedded into the Company’s governance,
berdiri sendiri, melainkan terintegrasi dalam sistem tata kelola, internal control, and performance evaluation frameworks, ensuring
pengendalian internal, dan evaluasi kinerja perusahaan. alignment across organizational practices.
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Melalui strategi yang terstruktur, terukur, dan berorientasi By implementing a structured, measurable, and long-term
jangka panjang, FIFGROUP memastikan bahwa setiap respons strategy, FIFGROUP ensures that responses to external and
terhadap tantangan eksternal dan internal tidak hanya bersifat internal challenges are not merely reactive but serve as drivers
reaktif, tetapi menjadi bagian dari transformasi berkelanjutan of sustainable transformation toward a more resilient, inclusive,
menuju perusahaan pembiayaan yang lebih resilien, inklusif, and responsible financing company.
dan bertanggung jawab.
Penerapan Keuangan Berkelanjutan: Implementation of Sustainable Finance: 2025
Pencapaian Kinerja Keberlanjutan Tahun 2025 Sustainability Performance Achievements
[OJK D.1.B] [OJK D.1.B]
Implementasi strategi keberlanjutan sepanjang tahun 2025 The implementation of sustainability strategies throughout 2025
menunjukkan hasil yang terukur dan progresif. Perseroan secara showed measurable and progressive results. The Company
konsisten memantau kinerja melalui Sustainability Index yang consistently monitors performance through a Sustainability
mencakup enam indikator utama, yaitu emisi gas rumah kaca, Index that covers six key indicators, namely greenhouse gas
bauran energi terbarukan, pengelolaan air, pengelolaan limbah emissions, renewable energy mix, water management, solid
padat, tingkat kecelakaan kerja (Lost Time Injury/LTI Rate), serta waste management, Lost Time Injury (LTI) Rate, and the number
jumlah penerima manfaat program pengembangan masyarakat. of beneficiaries of community development programs.
Pada aspek pengelolaan emisi gas rumah kaca, realisasi emisi In terms of greenhouse gas emissions management, the
operasional Perseroan tercatat sebesar 21.966 ton CO₂eq, Company's operational emissions were recorded at 21,966
lebih rendah dari target 23.132 ton CO₂eq dan menunjukkan tons of CO₂eq, lower than the target of 23,132 tons of
penurunan dibandingkan tahun sebelumnya. Capaian ini CO₂eq and showing a decrease compared to the previous
mencerminkan efektivitas berbagai inisiatif efisiensi energi year. This achievement reflects the effectiveness of various
dan pengelolaan operasional yang lebih terukur. Upaya energy efficiency initiatives and more measurable operational
pengendalian emisi terus diarahkan pada optimalisasi management. Efforts to control emissions are continuously
penggunaan energi, peningkatan kesadaran internal, serta focused on optimizing energy use, raising internal awareness,
penguatan sistem pemantauan berbasis data. and strengthening data-based monitoring systems.
Dalam mendukung transisi energi, bauran energi terbarukan In supporting the energy transition, the renewable energy
meningkat signifikan menjadi 14,96%, jauh melampaui mix increased significantly to 14.96%, far exceeding the set
target yang ditetapkan dan menunjukkan tren peningkatan target and showing an upward trend compared to 2024. This
dibandingkan tahun 2024. Pencapaian ini menegaskan achievement reaffirms the Company's commitment to reducing
komitmen Perseroan dalam mengurangi ketergantungan pada dependence on conventional energy and expanding the use
energi konvensional serta memperluas pemanfaatan sumber of more environmentally friendly energy sources at operational
energi yang lebih ramah lingkungan pada lokasi operasional locations where possible.
yang memungkinkan.
Dari sisi efisiensi sumber daya, pengelolaan air mencatatkan In terms of resource efficiency, water management recorded
rasio 17,43 m³ per miliar rupiah pendapatan, lebih baik dari a ratio of 17.43 m³ per billion rupiah of revenue, which was
target dan mengalami perbaikan dibandingkan periode better than the target and an improvement compared to the
sebelumnya. Sementara itu, tingkat pengelolaan limbah padat previous period. Meanwhile, the solid waste management rate
(waste diverted) mencapai 39,23%, melampaui target dan (waste diverted) reached 39.23%, exceeding the target and
meningkat dibandingkan tahun 2024. Hasil ini menunjukkan increasing compared to 2024. These results demonstrate the
penguatan budaya reduce-reuse-recycle di lingkungan reinforcement of the reduce-reuse-recycle culture in the work
kerja serta peningkatan efektivitas sistem pemilahan dan environment and the increased effectiveness of the waste
pengelolaan limbah. sorting and management system.
Pada aspek keselamatan dan kesehatan kerja, Perseroan As for occupational safety and health, the Company successfully
berhasil mempertahankan LTI Rate pada angka 0,00. maintained its LTI Rate at 0.00. This consistency reflects
Konsistensi ini mencerminkan efektivitas penerapan standar the effectiveness of the implementation of OHS standards,
K3, pengawasan operasional, serta peningkatan kesadaran operational supervision, and increased employee awareness
karyawan terhadap pentingnya budaya keselamatan kerja. of the importance of a culture of occupational safety.
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Di sisi sosial, jumlah penerima manfaat program pengembangan In social aspect, the number of beneficiaries of community
masyarakat mencapai 57.558 orang, meningkat signifikan development programs reached 57,558 people, a significant
dibandingkan tahun sebelumnya dan jauh melampaui target increase compared to the previous year and far exceeding the
yang ditetapkan. Peningkatan ini menunjukkan perluasan set target. This increase shows the expansion of social impact
dampak sosial melalui pelaksanaan program pada empat pilar through the implementation of programs in the four main pillars
utama tanggung jawab sosial Perseroan yang semakin terarah of the Company's social responsibility, which are increasingly
dan berbasis kebutuhan masyarakat. focused and based on community needs.
Secara keseluruhan, pencapaian tahun 2025 menunjukkan Overall, the achievements in 2025 show that the integration
bahwa integrasi prinsip keuangan berkelanjutan dalam of sustainable finance principles into business operations
operasional dan strategi bisnis telah memberikan hasil and strategies has yielded concrete results. This success is
yang konkret. Keberhasilan ini tidak hanya tercermin dari reflected not only in the achievement of quantitative targets
pencapaian target kuantitatif, tetapi juga dari penguatan tata but also in the strengthening of governance, increased internal
kelola, peningkatan kesadaran internal, serta konsistensi awareness, and consistency in managing environmental and
dalam mengelola dampak lingkungan dan sosial secara social impacts responsibly.
bertanggung jawab.
Strategi Pencapaian Target: Peluang ke Depan Target Achievement Strategy: Future
dan Fokus Strategi [OJK D.1.C] Opportunities and Strategic Focus [OJK D.1.C]
Meskipun capaian kinerja keberlanjutan tahun 2025 Although the 2025 sustainability performance achievements
menunjukkan hasil yang positif, Perseroan memandang showed positive results, the Company views sustainability as
keberlanjutan sebagai proses yang dinamis dan memerlukan a dynamic process that requires continuous strengthening.
penguatan berkelanjutan. Kompleksitas regulasi, percepatan Regulatory complexity, the acceleration of the transition
transisi menuju ekonomi rendah karbon, serta perubahan to a low-carbon economy, and changing stakeholder
ekspektasi pemangku kepentingan menuntut kesiapan expectations demand a more adaptive and integrated
organisasi yang lebih adaptif dan terintegrasi. organizational readiness.
Ke depan, FIFGROUP akan memfokuskan strategi pada As we advance, FIFGROUP will focus its strategy on reinforcing
penguatan integrasi aspek ESG ke dalam proses bisnis inti, the integration of ESG aspects into its core business processes,
khususnya dalam analisis pembiayaan dan pengelolaan risiko. particularly in financing analysis and risk management.
Parameter lingkungan dan sosial akan semakin dipertimbangkan Environmental and social parameters will be increasingly
dalam proses pengambilan keputusan, sehingga kualitas considered in the decision-making process, so that portfolio
portofolio tidak hanya dinilai dari aspek finansial, tetapi juga quality is not only assessed from a financial perspective, but
dari ketahanan terhadap risiko keberlanjutan, termasuk risiko also in terms of resilience to sustainability risks, including
terkait iklim. climate-related risks.
Perseroan juga melihat peluang pertumbuhan pada The Company also identifies growth opportunities in developing
pengembangan portofolio pembiayaan berkelanjutan dan a sustainable and inclusive financing portfolio, particularly in
inklusif, khususnya pada sektor yang mendukung transisi sectors that support energy transition and empower MSMEs
energi serta pemberdayaan UMKM dan masyarakat yang and underserved communities. Improving sustainable financial
belum terlayani secara optimal. Peningkatan literasi keuangan literacy among consumers and partners is part of the strategy
berkelanjutan di tingkat konsumen dan mitra menjadi bagian to expand demand for sustainability-based products.
dari strategi untuk memperluas permintaan terhadap produk
berbasis keberlanjutan.
Di sisi operasional, optimalisasi efisiensi energi, pengelolaan From an operational perspective, the Company will continue to
sumber daya, serta pemanfaatan teknologi dan digitalisasi akan advance energy efficiency optimization, resource management,
terus diperkuat. Transformasi digital tidak hanya meningkatkan and digital transformation initiatives. Digital transformation
produktivitas dan efektivitas biaya, tetapi juga mendukung not only enhances productivity and cost efficiency but also
transparansi, akurasi pelaporan, serta pengelolaan data supports greater transparency, reporting accuracy, and more
keberlanjutan yang lebih komprehensif. comprehensive sustainability data management.
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Penguatan kapasitas sumber daya manusia juga menjadi Strengthening human capital capacity is also a strategic priority.
prioritas strategis. Perseroan akan meningkatkan kompetensi The Company will improve internal competencies in sustainable
internal dalam bidang keuangan berkelanjutan, manajemen finance, ESG risk management, and understanding of global
risiko ESG, serta pemahaman terhadap standar pelaporan reporting standards. With a more prepared workforce, the
global. Dengan SDM yang lebih siap, implementasi strategi implementation of sustainability strategies can be carried
keberlanjutan dapat berjalan secara lebih konsisten dan terukur out more consistently and measurably across all lines of
di seluruh lini organisasi. the organization.
Selain itu, kolaborasi dengan regulator, holding dan Moreover, collaboration with regulators, holding and subholding
subholding, mitra bisnis, serta pemangku kepentingan lainnya companies, business partners, and other stakeholders will
akan terus dikembangkan untuk memperluas dampak dan continue to be developed to expand impact and create synergies
menciptakan sinergi dalam mendukung agenda pembangunan in supporting the national sustainable development agenda.
berkelanjutan nasional.
Melalui pendekatan yang terstruktur, terukur, dan berbasis Through a structured, measurable, and periodic evaluation-
evaluasi berkala, FIFGROUP optimis dapat memperkuat based approach, FIFGROUP is optimistic that it can strengthen
ketahanan bisnis sekaligus meningkatkan kontribusi terhadap business resilience while increasing its contribution to inclusive
pembangunan ekonomi yang inklusif dan rendah karbon. and low-carbon economic development. This strategy is the
Strategi ini menjadi fondasi dalam memastikan bahwa foundation for ensuring that the Company's future growth is
pertumbuhan Perseroan ke depan berjalan secara seimbang balanced between financial performance and the creation of
antara pencapaian kinerja finansial dan penciptaan nilai jangka long-term value for society and the environment.
panjang bagi masyarakat dan lingkungan.
Apresiasi Appreciation
Seluruh capaian dan arah strategis di sepanjang tahun 2025 All achievements and strategic directions throughout 2025
mencerminkan komitmen bersama dalam memperkuat fondasi reflect a shared commitment to strengthening the Company's
keberlanjutan Perseroan secara konsisten dan terukur. Kami sustainability foundation consistently and measurably. We
menyampaikan apresiasi yang setinggi-tingginya kepada express our highest appreciation to the entire FIFGROUP
seluruh insan FIFGROUP atas dedikasi, integritas, dan employees for their dedication, integrity, and collaborative
semangat kolaboratif dalam mengimplementasikan prinsip spirit in implementing sustainability principles in every line
keberlanjutan di setiap lini operasional. Penghargaan juga of operation. We also extend our gratitude to shareholders,
kami sampaikan kepada pemegang saham, regulator, mitra regulators, business partners, creditors, and all stakeholders
bisnis, kreditur, serta seluruh pemangku kepentingan atas for their trust, support, and continued synergy. FIFGROUP is
kepercayaan, dukungan, dan sinergi yang terus terjalin dengan optimistic that it can continue its transformation into a more
baik. FIFGROUP optimis dapat melanjutkan transformasi menuju resilient, inclusive, and responsible financing company, while
perusahaan pembiayaan yang lebih tangguh, inklusif, dan creating sustainable long-term value for society and the nation.
bertanggung jawab, sekaligus menciptakan nilai jangka panjang
yang berkelanjutan bagi masyarakat dan bangsa.
Atas nama Direksi,
On behalf of the Board of Directors,
Siswadi
Presiden Direktur
President Director
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
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Sri Harjati Setia Budi Siswadi
Direktur Direktur Presiden Direktur
Director Director President Director
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Daniel Hartono Indra Gunawan Valentina Chai Wei Li
Direktur Direktur Direktur
Director Director Director
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Tentang Kami About Us
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
03
Sustainability Governance Sustainability Performance
Strategi
Keberlanjutan
Sustainability Strategy
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Strategi Keberlanjutan [OJK A.1]
Sustainability Strategy
Penerapan strategi keberlanjutan FIFGROUP melibatkan integrasi tiga pilar utama,
yaitu Portfolio, People, dan Public Contribution, yang saling mendukung untuk
menciptakan nilai jangka panjang bagi semua pemangku kepentingan. Selain
itu, Perseroan mengutamakan prinsip Good Corporate Governance (GCG) untuk
memastikan bahwa setiap kebijakan dan tindakan yang diambil sejalan dengan
prinsip transparansi dan akuntabilitas.
The implementation of FIFGROUP’s sustainability strategy involves the integration of three main
pillars, namely Portfolio, People, and Public Contribution, which support each other to create long-
term value for all stakeholders. The Company also prioritizes the principles of Good Corporate
Governance (GCG) to ensure that every policy and action taken is in line with the principles of
transparency and accountability.
Di tengah dinamika industri jasa keuangan dan meningkatnya Amidst the dynamics of the financial services industry and
ekspektasi publik terhadap praktik bisnis yang bertanggung increasing public expectations for responsible business
jawab, FIFGROUP menegaskan kembali arah keberlanjutan practices, FIFGROUP reaffirms its commitment to a more
yang lebih terstruktur, terukur, dan berorientasi jangka panjang. structured, measurable, and long-term sustainability direction.
Strategi keberlanjutan Perseroan bukan sekadar kerangka The Company's sustainability strategy is not merely a framework,
kerja, tetapi merupakan fondasi untuk memastikan bahwa but a foundation to guarantee that every business step brings
setiap langkah bisnis membawa manfaat bagi masyarakat, balanced benefits to society, the environment, and the economy.
lingkungan, dan ekonomi secara berimbang. Komitmen ini This commitment is realized through the FIFGROUP 2030
diwujudkan melalui FIFGROUP 2030 Sustainability Aspirations Sustainability Aspirations Framework & Initiatives, a strategic
Framework & Initiatives, sebuah peta jalan strategis yang roadmap that guides all lines of the company in consistently
menuntun seluruh lini perusahaan dalam menjalankan prinsip implementing sustainability principles.
keberlanjutan secara konsisten.
Sebagai lembaga jasa keuangan, FIFGROUP menjadikan Prinsip As a financial services institution, FIFGROUP has made the
Keuangan Berkelanjutan sebagai pedoman utama termasuk Principles for Sustainable Finance its main guideline, including
pemenuhan POJK 51/POJK.03/2017, arahan ASTRA 2030 compliance with POJK 51/POJK.03/2017, the ASTRA 2030
Sustainability Aspirations, serta dukungan langsung terhadap Sustainability Aspirations directive, and direct support for
Tujuan Pembangunan Berkelanjutan (TPB). Melalui komitmen the Sustainable Development Goals (SDGs). Through this
tersebut, Perseroan memastikan bahwa strategi keberlanjutan commitment, the Company ensures that its sustainability
terintegrasi ke dalam visi besar perusahaan, yakni menjadi strategy is integrated into its grand vision of becoming a
pemimpin industri yang dikagumi secara nasional, seraya nationally respected industry leader, while improving the quality
meningkatkan kualitas hidup masyarakat melalui pelayanan of life of the community through inclusive and responsible
pembiayaan yang inklusif dan bertanggung jawab. financing services.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
FIFGROUP 2030 Sustainability Framework & Initiatives
Komitmen Keberlanjutan dan Kebijakan Sustainability Commitment and Policy
[GRI 2-22, 2-23] [GRI 2-22, 2-23]
Dalam pelaksanaannya, FIFGROUP menerapkan kebijakan In its implementation, FIFGROUP applies sustainability policies
keberlanjutan yang mencakup aspek lingkungan, sosial, dan that cover environmental, social, and governance aspects,
tata kelola, termasuk kebijakan etika, anti-korupsi, pengelolaan including ethical policies, anti-corruption, environmental
lingkungan, perlindungan konsumen, hingga tata kelola management, consumer protection, and supply chain
rantai pasok. Kebijakan ini disosialisasikan melalui berbagai governance. These policies are disseminated through various
kanal internal, mulai dari pelatihan, modul edukasi, hingga internal channels, ranging from training, educational modules,
kampanye komunikasi berkelanjutan seperti #CARE (Create to ongoing communication campaigns such as #CARE (Create
Action, Rescue Earth) dan kompetisi keberlanjutan melalui Action, Rescue Earth) and sustainability competitions through
FIFGROUP Sustainability Award (FSA). Struktur tata kelola the FIFGROUP Sustainability Award (FSA). The sustainability
keberlanjutan dilaksanakan di bawah arahan dan tanggung governance structure is implemented under the direction and
jawab Direksi, serta diawasi secara strategis oleh Dewan responsibility of the Board of Directors and is strategically
Komisaris guna memastikan setiap keputusan selaras dengan supervised by the Board of Commissioners to ensure that
prinsip transparansi, akuntabilitas, dan kehati-hatian. every decision is in line with the principles of transparency,
accountability, and prudence.
Pendekatan Pengelolaan Dampak [GRI 2-24] Impact Management Approach [GRI 2-24]
Untuk mengelola dampak positif dan potensi dampak negatif, To manage positive impacts and potential negative impacts,
Perseroan menjalankan proses due diligence yang meliputi the Company implements a due diligence process that
identifikasi risiko keberlanjutan, penilaian materialitas, includes identifying sustainability risks, assessing materiality,
penetapan prioritas aksi, serta pemantauan dan evaluasi setting action priorities, and conducting regular monitoring
rutin. Setiap temuan signifikan ditindaklanjuti melalui rencana and evaluation. Any significant findings are followed up with
perbaikan dan dilaporkan kepada manajemen puncak. improvement plans and reported to top management. This
Pendekatan ini mencakup pengelolaan risiko lingkungan seperti approach covers environmental risk management such as
emisi dan penggunaan energi, risiko sosial seperti keselamatan emissions and energy use, social risks such as occupational
kerja dan hak asasi manusia, serta risiko tata kelola termasuk safety and human rights, and governance risks including
integritas bisnis dan perlindungan konsumen. business integrity and consumer protection.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Sustainability Framework Melalui Strategi Sustainability Framework Through the Triple-P
Triple-P Roadmap Roadmap Strategy
Pencapaian 2025
2025 Achievements
Portfolio
2025 Achievements
Pembiayaan Berkelanjutan Sustainable Financing
• Pembiayaan Produk Kategori Kegiatan Usaha Berkelanjutan (KKUB): • Financing for Sustainable Business Activity Category (KKUB)
Rp747,701 juta Products: Rp747,701 million
• Penerbitan ESG Loan: USD50 Juta bekerja sama dengan Oversea- • ESG Loan Issuance: USD50 million in collaboration with
Chinese Banking Corporation Limited (OCBC) Oversea-Chinese Banking Corporation Limited (OCBC)
Pengelolaan Emisi Gas Rumah Kaca dan Bauran Energi Terbarukan Greenhouse Gas Emissions Management and Renewable Energy Mix
• Instalasi solar panel kapasitas 10.8 kWp: 12 cabang dengan total • Installation of 10.8 kWp solar panels: 12 branches with a total energy
energi yang dihasilkan sebesar 205,52 GJ generated of 205.52 GJ
• Program Carbon Offset: penanaman 30.000 bibit pohon pada 26 • Carbon Offset Program: planting 30,000 tree seedlings on 26
ha lahan di Hutan FIFGROUP Jayamekar, Garut dan pengelolaan hectares of land in the FIFGROUP Jayamekar Forest, Garut, and
lahan perhutanan seluas 100 ha di Hutan FIFGROUP Karacak managing 100 hectares of forest land in the FIFGROUP Karacak
Valley, Garut Valley Forest, Garut
• Penggunaan B40: menghasilkan energi sebesar 1.009,3 GJ • Use of B40: generating 1,009.3 GJ of energy
• Pelaksanaan walthrough audit Astra Green Energi (AGEn) • Implementation of Astra Green Energy (AGEn) walthrough audit
• Program Employee Commuting Program (FIFAct): melibatkan • Employee Commuting Program (FIFAct): involving 100 head
100 karyawan head office dalam program pengurangan emisi office employees in a program to reduce Scope 3 category 7
GRK Scope 3 category 7 melalui inisiatif mulai dari carpooling GHG emissions through initiatives ranging from carpooling to
hingga penggunaan transportas umum. Menghasilkan penurunan the use of public transportation. This resulted in an average
emisi rata-rata dari 1,95 kgCO2/orang/hari menjadi 1.09 kgCO2/ reduction in emissions from 1.95 kgCO2/person/day to 1.09
orang/hari (total penurunan sebesar 86,86 kgCO2/hari) kgCO2/person/day (a total reduction of 86.86 kgCO2/day)
Pengelolaan Air dan Limbah Padat Water and Solid Waste Management
• Mendorong efisiensi penggunaan air • Promoting water use efficiency
• Kolaborasi dengan Bank Sampah: 63 cabang FIFGROUP • Collaboration with Waste Banks: 63 FIFGROUP branches
• Program Eco Enzyme: Melibatkan 10 cabang di wilayah Bali dalam • Eco Enzyme Program: Involving 10 branches in the Bali region
inisiasi program pembuatan dan pemanfaatan eco enzyme sebagai in initiating a program to produce and utilize eco enzymes as an
alternatif ramah lingkungan pengganti cairan pembersih berbahan environmentally friendly alternative to chemical cleaning fluids
kimia
People
Kesehatan dan Keselamatan Kerja (K3) Occupational Health and Safety (OHS)
• FIFGROUP Aman Berlalu Lintas (FABL): inspeksi safety • FIFGROUP Safe Traffic/ FIFGROUP Aman Berlalu Lintas (FABL):
riding pada 330 cabang, pelaksanaan training safety riding safety riding inspections at 330 branch offices, implementation of
di 6 wilayah FIFGROUP dan edukasi FABL pada FIFestival safety riding training in 6 FIFGROUP regions, and FABL education
at FIFestival
• Sistem Manajemen K3: Pelaksanaan advisory safety mandatory • OHS Management System: Implementation of mandatory key action
key action (MKA), self assessment Astra Occupational Health (MKA) safety advisory, Astra Occupational Health Management
Management System (AOHMS), corporate assessment AGC di 3 System (AOHMS) self-assessment, AGC corporate assessment in
cabang FIFGROUP dengan pencapaian emas 3 FIFGROUP branches with gold achievement
• Peralatan keselamatan Gedung & Tanggap Darurat: pemenuhan • Building Safety Equipment & Emergency Response: fulfillment of
kotak P3K dan rambu K3, pengadaan kotak sampah dan disaster first aid kits and OHS signs, procurement of trash bins and disaster
awareness program awareness programs
• Kesiapsiagaan Tanggap Darurat (KTD): simulasi KTD di 7 cabang, • Emergency Response Readiness (KTD): KTD simulations in 7
pelatihan APAR di 85 cabang, pelatihan K3 Kebakaran di 36 cabang branches, fire extinguisher training in 85 branches, fire safety
training in 36 branches
• Pelatihan Pertolongan pertama pada Kecelakaan (P3K): 208 • First Aid Training for Accidents (P3K): 208 participants, 4 regions
peserta, 4 wilayah
• Pengukuran Iklim Kerja dan Pest Control • Workplace Climate Measurement and Pest Control
• Employee Wellness Program (FIFirstep): 7,237 peserta melalui • Employee Wellness Program (FIFirstep): 7,237 participants through
program walking, running, dan cycling walking, running, and cycling programs
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Pencapaian 2025
2025 Achievements
Keberagaman, Kesetaraan & Inklusivitas Diversity, Equity & Inclusion
• Perempuan Berperan: 920 peserta dalam berbagai kegiatan • Women in Action: 920 participants in various activities including
diantaranya mobic kartini day, talkshow kanker payudara Kartini Day’s Mobic, breast and cervical cancer talkshows,
dan serviks, workshop Gerakan Pekerja Perempuan Sehat workshops on the Healthy and Productive Women Workers
Produktif (GP2SP), workshop UMKM perempuan dan campaign Movement (GP2SP), workshops on women-owned MSMEs, and
perempuan berperan di culture day dan sosial media campaigns highlighting women‘s roles during Culture Day and
on social media
• FIFriendibility: 234 karyawan disabilitas • FIFriendibility: 234 employees with disabilities
Public Contribution
FIFGROUP Sehat FIFGROUP Sehat
• Donor Darah: 24.027 kantong darah, 88 titik lokasi • Blood Donation: 24,027 units of blood, 88 collection sites
• Sehat Ceria Tanpa Stunting (Secanting): 459 anak stunting, 75 ibu • Healthy, Happy, and Stunting-Free/ Sehat Ceria Tanpa Stunting
hamil, 5 titik lokasi (Secanting): 459 children with stunting, 75 pregnant women, 5
locations
• Pembinaan Posyandu: 2.503 anak, 40 titik lokasi • Posyandu Program: 2,503 children, 40 locations
• Integrasi Layanan Primer (ILP): Instalasi ILP dan Penguatan Kader • Primary Care Integration (ILP): ILP Installation and Strengthening
Gizi Tangguh di Wilayah Semarang of Resilient Nutrition Cadres in the Semarang Region
FIFGROUP Pintar FIFGROUP Pintar
• Menyuarakan Literasi melalui Aksi (MENYALA): 5.405 guru, 31.746 • Promoting Literacy Through Action/Menyuarakan Literasi melalui
siswa SMK, 2.000 sekolah Aksi (MENYALA): 5,405 teachers, 31,746 vocational school students,
2,000 schools
• FIFGROUP Young Leader (FYL): 36 mahasiswa, 19 universitas. • FIFGROUP Young Leader (FYL): 36 students, 19 universities.
• PAUD Binaan FIFGROUP: 40 siswa, 2 PAUD Binaan FIFGROUP • FIFGROUP-assisted Early Childhood Education (PAUD): 40 students,
2 FIFGROUP-assisted Early Childhood Educations
FIFGROUP Sejahtera FIFGROUP Sejahtera
• UMKM Binaan FIFGROUP • FIFGROUP-assisted MSMEs
• Dana Bergulir: 423 UMKM dengan total dana bergulir Rp1,56 miliar • Revolving Fund: 423 MSMEs, total revolving fund Rp1.56 billion
• Workshop UMKM: 380 UMKM, 3 kegiatan workshop • MSME Workshops: 380 MSMEs, 3 workshop activities
• FIFestival: 2.006 pengunjung, 33 UMKM • FIFestival: 2,006 visitors, 33 MSMEs
• Desa Sejahtera Astra (DSA) Binaan FIFGROUP: DSA Binaan • FIFGROUP-Assisted Desa Sejahtera Astra (DSA): FIFGROUP-
FIFGROUP Karacak Valley, Garut dan DSA Binaan FIFGROUP Assisted DSA in Karacak Valley, Garut and FIFGROUP-Assisted
Bukit Sinyonya, Pandeglang DSA in Bukit Sinyonya, Pandeglang
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Pencapaian 2025
2025 Achievements
FIFGROUP Lestari FIFGROUP Lestari
• Hutan FIFGROUP: 30.000 bibit pohon pada 26 ha lahan di Hutan • Hutan FIFGROUP: 30,000 tree seedlings on 26 hectares of land
FIFGROUP Jayamekar, Garut serta pengelolaan lahan perhutanan in the FIFGROUP Jayamekar Forest, Garut, and management
seluas 100 ha di Hutan FIFGROUP Karacak Valley, Garut of 100 hectares of forest land in the FIFGROUP Karacak Valley
Forest, Garut
• IPAL Komunal: 2 Instalasi • Communal Wastewater Treatment Plant: 2 installations
• Program Biodiversity: Kukang Jawa dan Tanaman Rafflesia • Biodiversity Program: Javanese Slow Loris and Rafflesia Plants
• Rumah Pembibitan: 38 titik cabang • Nurseries: 38 branches
• Kampung Berseri Astra (KBA) Binaan FIFGROUP: KBA Binaan • FIFGROUP-Assisted Kampung Berseri Astra (KBA): FIFGROUP-
FIFGROUP Rafflesia, Bukittinggi dan KBA Binaan FIFGROUP Assisted KBA in Rafflesia, Bukittinggi and FIFGROUP-Assisted
Bojongsari, Depok KBA in Bojongsari, Depok
FIFGROUP Peduli FIFGROUP Peduli
Bantuan Keagamaan Religious Assistance
• Tebar Alkitab: 1.000 alkitab (50 komunitas kristen dan 50 sekolah • Bible Distribution: 1,000 Bibles (50 Christian communities and 50
kristen di Sumatera Utara) Christian schools in North Sumatra)
• Tebar Kurban Nusantara: Rp2,05 miliar (4 ekor sapi, 497 • Tebar Kurban Nusantara: Rp2.05 billion (4 cows, 497 goats)
ekor kambing)
• Tebar Takjil Ramadhan: Rp360 juta melalui 14.880 paket takjil untuk • Ramadan Takjil Distribution: Rp360 million through 14,880 takjil
247 titik cabang dan 1 head office packages for 247 branch locations and 1 head office
Bantuan Sosial & Kebencanaan Social & Disaster Relief Assistance
• Tebar Syukur: Rp360 juta untuk 36 panti asuhan, Rp36 juta untuk • Tebar Syukur: Rp360 million for 36 orphanages, Rp36 million for
operasional vihara, Rp250 juta untuk pemberian kaki palsu, Rp216 temple operations, Rp250 million for prosthetic limb provision,
juta pada operasional 6 rumah ibadah Rp216 million for the operations of 6 places of worship
• Peduli Bencana: Rp417 juta untuk 2,835 KK yang terdampak • Disaster Relief: Rp417 million for 2,835 households affected by
bencana disasters
Bus Sosial FIFGROUP Bus Sosial FIFGROUP
• Jumlah Bus Sosial FIFGROUP: 8 • Number of FIFGROUP Social Buses// Bus Sosial: 8
• Jumlah Trip: 1.560 trip • Number of Trips: 1,560 trips
• Jumlah Penumpang: 37.440 orang • Number of Passengers: 37,440 people
Portfolio: Memperkuat Pembiayaan Portfolio: Strengthening Sustainable Financing
Berkelanjutan dan Pengelolaan Lingkungan and Environmental Management
FIFGROUP memandang portofolio pembiayaan sebagai FIFGROUP views its financing portfolio as a key instrument
instrumen penting untuk mendorong transformasi ekonomi for driving low-carbon and inclusive economic transformation.
rendah karbon dan inklusif. Penerapan strategi portfolio The implementation of a sustainable portfolio strategy focuses
berkelanjutan difokuskan pada pengembangan produk on developing financial products that support the green and
keuangan yang mendukung sektor hijau dan sosial, termasuk: social sectors, including:
1. Pembiayaan motor listrik 1. Electric motorcycle financing
2. Pembiayaan sepeda listrik 2. Electric bicycle financing
3. Pembiayaan panel surya 3. Solar panel financing
4. Pembiayaan UMKM (micro-productive financing) 4. MSME financing (micro-productive financing)
5. Pembiayaan untuk penyandang disabilitas 5. Financing for people with disabilities
Selain mengembangkan produk-produk pembiayaan hijau, In addition to developing green financing products, FIFGROUP
FIFGROUP juga mulai memperluas akses pendanaan melalui has also begun to expand access to funding through sustainable
instrumen berkelanjutan seperti ESG Loan, memperkuat instruments such as ESG Loans, strengthening the company's
kesiapan perusahaan dalam mendukung agenda transisi energi readiness to support the national energy transition and climate
dan ketahanan iklim nasional. resilience agenda.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Dalam aspek pengelolaan lingkungan, FIFGROUP berkomitmen In terms of environmental management, FIFGROUP is committed
terhadap penurunan emisi gas rumah kaca yang dihasilkan, to reducing greenhouse gas emissions, increasing the use of
peningkatan bauran energi terbarukan, serta pengelolaan air renewable energy, and managing water and solid waste.
dan limbah padat.
People: Mengembangkan SDM Tangguh dan People: Developing Resilient and Inclusive
Inklusif Human Capital
Manusia adalah inti dari keberlanjutan FIFGROUP. Melalui People are at the core of FIFGROUP's sustainability. Through
strategi people, Perseroan memastikan terwujudnya lingkungan its people strategy, the Company ensures a safe, equitable,
kerja yang aman, setara, dan mendukung perkembangan karier. and career-supportive work environment. The main focus of
Fokus utama strategi ini mencakup: this strategy includes:
1. Kesehatan dan keselamatan kerja (K3) 1. Occupational health and safety (OHS)
2. Kesetaraan kesempatan kerja dan keberagaman 2. Equal employment opportunities and diversity
3. Rekrutmen dan pelatihan untuk penyandang disabilitas 3. Recruitment and training for people with disabilities through
melalui program FIFriendibility the FIFriendibility program
4. Pemberdayaan perempuan di berbagai level organisasi 4. Empowering women at all levels of the organization
5. Peningkatan kompetensi melalui pelatihan terpadu berbasis 5. Enhancing competencies through integrated training based
FIFGROUP Academy on the FIFGROUP Academy
Pendekatan ini mendukung terciptanya tenaga kerja This approach supports the creation of a productive workforce
yang produktif dan siap menghadapi transformasi industri that is ready to face the increasingly digital transformation of
pembiayaan yang kian digital. the financing industry.
Public Contribution: Memberdayakan Public Contribution: Empowering the
Masyarakat Community
Sebagai perusahaan yang tumbuh bersama masyarakat, As a company that grows alongside the community, FIFGROUP
FIFGROUP menjalankan kontribusi sosial melalui kegiatan carries out social contributions through corporate social
corporate social responsibility (CSR) dengan 4 pilar utama responsibility (CSR) activities with 4 main pillars and 1 supporting
dan 1 pilar pendukung pillar
• FIFGROUP Sehat – mendukung kesehatan masyarakat, • FIFGROUP Sehat – supporting community health through
melalui kegiatan donor darah, sehat ceria tanpa stunting blood donation activities, Healthy, Happy, and Stunting-Free/
(secanting), pembinaan posyandu, dan penyediaan fasilitas Sehat Ceria Tanpa Stunting (SeCanting), posyandu coaching,
Integrasi Layanan Primer and the provision of Primary Service Integration facilities
• FIFGROUP Pintar – meningkatkan kualitas pendidikan • FIFGROUP Pintar – improving the quality of education
dan literasi keuangan, melalui kegiatan seperti and financial literacy through activities such as FIFGROUP
FIFGROUP Menyala (Menyuarakan Literasi melalui Aksi), Menyala (Menyuarakan Literasi melalui Aksi/ Promoting
FIFGROUP Young Leader, dan PAUD Binaan FIFGROUP Literacy Through Action), FIFGROUP Young Leader and
FIFGROUP-assisted early childhood education centers
• FIFGROUP Sejahtera – pemberdayaan UMKM dan ekonomi • FIFGROUP Sejahtera – empowering MSMEs and the
masyarakat melalui dana bergulir dan workshop UMKM, community economy through revolving funds and
Festival UMKM Binaan (FIFestival), dan Desa Sejahtera MSME workshops, the FIFestival MSME Festival, and the
Astra (DSA) Binaan FIFGROUP FIFGROUP-assisted Desa Sejahtera Astra (DSA)
• FIFGROUP Lestari – konservasi lingkungan melalui • FIFGROUP Lestari – environmental conservation through
penanaman pohon (Hutan FIFGROUP), rumah pembibitan, tree planting (Hutan FIFGROUP), nurseries, and kampung
dan kampung sehat FIFGROUP sehat FIFGROUP.
• Seluruh inisiatif ini diperkuat oleh FIFGROUP Peduli, • All these initiatives are supported by FIFGROUP Peduli,
program filantrofi yang berfokus pada bantuan sosial dan a philanthropic program focused on social and religious
keagamaan assistance
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Pengawasan, Evaluasi, dan Peningkatan Monitoring, Evaluation, and Continuous
Berkelanjutan Improvement
Untuk memastikan keberlanjutan berjalan secara efektif, To achieve effective sustainability, FIFGROUP sets measurable
FIFGROUP menetapkan target terukur dalam Sustainability targets in the Sustainability Aspirations Framework and conducts
Aspirations Framework dan melakukan pemantauan performa regular performance monitoring. Evaluations are carried out
secara berkala. Evaluasi dilakukan melalui mekanisme audit through internal audit mechanisms, sustainability reports, and
internal, laporan keberlanjutan, hingga pemantauan indikator ESG indicator monitoring. Each year, the evaluation results
ESG. Setiap tahun, hasil evaluasi menjadi dasar pembaruan form the basis for policy updates, program improvements, and
kebijakan, penyempurnaan program, dan penguatan tata strengthening of sustainability governance.
kelola keberlanjutan.
Melalui strategi yang semakin matang, integratif, dan Through a strategy that is increasingly mature, integrative, and
berorientasi jangka panjang, FIFGROUP memastikan bahwa long-term oriented, FIFGROUP ensures that sustainability is
keberlanjutan bukan hanya sebuah komitmen, tetapi menjadi not only a commitment, but also a corporate culture that drives
budaya perusahaan yang menggerakkan setiap inovasi dan every innovation and business step towards a better future.
langkah bisnis menuju masa depan yang lebih baik.
Integrasi RAKB, HAM, dan Kepatuhan sebagai Integration of Sustainable Finance Action
Fondasi Keberlanjutan Plan, Human Rights, and Compliance as the
Foundation of Sustainability
Pendekatan pembiayaan berkelanjutan FIFGROUP tidak berdiri FIFGROUP’s sustainable financing approach does not stand
sendiri, melainkan terintegrasi dalam Rencana Aksi Keuangan alone, but is integrated into the Sustainable Finance Action
Berkelanjutan (RAKB) yang memastikan setiap keputusan bisnis Plan (RAKB) which ensures that every business decision is
berlandaskan praktik keuangan yang bertanggung jawab. based on responsible financial practices. The implementation
Penerapan RAKB ini selaras dengan agenda global SDGs, of RAKB is in line with the global SDGs agenda, strengthening
memperkuat kontribusi Perseroan terhadap pembangunan the Company’s contribution to inclusive and environmentally
ekonomi yang inklusif dan ramah lingkungan. friendly economic development.
Dalam menjalankan kerangka keberlanjutan tersebut, In implementing this sustainability framework, FIFGROUP
FIFGROUP menerapkan prinsip kehati-hatian, kepatuhan pada applies the principles of prudence, compliance with Indonesian
peraturan Indonesia, serta penghormatan penuh terhadap Hak regulations, and full respect for human rights. Commitment to
Asasi Manusia (HAM). Komitmen terhadap keberagaman dan diversity and inclusiveness is also integrated into operational
inklusivitas turut diintegrasikan ke dalam kebijakan operasional, policies, acknowledging that every policy reflects social justice.
memastikan setiap kebijakan mencerminkan keadilan sosial. On the other hand, customer issues are managed through
Di sisi lain, isu-isu pelanggan dikelola melalui pendekatan an approach that prioritizes consumer rights protection and
yang mengutamakan perlindungan hak dan kepuasan satisfaction. In all partnerships, FIFGROUP adheres to the
konsumen. Dalam seluruh hubungan kemitraan, FIFGROUP principles of transparency, fair cooperation, and long-term
berpegang pada prinsip transparansi, kerja sama yang adil, sustainability to obtain maximum benefits for all parties.
dan keberlanjutan jangka panjang untuk memastikan manfaat
maksimal bagi seluruh pihak.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Tentang Laporan Keberlanjutan
About The Sustainability Report
Laporan Keberlanjutan PT Federal International Finance The 2025 Sustainability Report of PT Federal International
(FIFGROUP) Tahun 2025 disusun untuk memberikan gambaran Finance (FIFGROUP) was prepared to provide a comprehensive
menyeluruh mengenai kinerja keberlanjutan Perseroan overview of the Company's sustainability performance for
sepanjang periode 1 Januari–31 Desember 2025. Laporan the period of January 1 to December 31, 2025. The report is
diterbitkan setiap tahun, dengan publikasi sebelumnya pada published annually, with the previous publication on March 9,
9 Maret 2025, dan mencakup seluruh kegiatan operasional 2025, and encompasses all operational activities at the head
di kantor pusat serta seluruh jaringan kantor cabang. Seluruh office and throughout the branch office network. All entities
entitas yang termasuk dalam laporan keuangan konsolidasian included in the consolidated financial statements are also
juga tercakup dalam laporan ini, dan tidak ada entitas yang included in this report, and no entities are excluded from the
dikecualikan dari batasan pelaporan. [GRI 2-2, 2-3] reporting scope. [GRI 2-2, 2-3]
Penyusunan laporan merujuk pada Standar Global Reporting The report is prepared in accordance with the Global Reporting
Initiative (GRI) 2021 “in accordance”, SEOJK No.16/ Initiative (GRI) 2021 Standards, SEOJK No.16/SEOJK.04/2021
SEOJK.04/2021 sebagai acuan pengungkapan keberlanjutan as a reference for sustainability disclosure in POJK 51/2017,
dalam POJK 51/2017, IFRS S2 - Climate-related Disclosures, IFRS S2 - Climate-related Disclosures, SASB, and ACGS. In
SASB, serta ACGS. Pada tahun pelaporan, terdapat perubahan the reporting year, there were changes in the list of material
dalam daftar topik material sejalan dengan FIFGROUP 2030 topics in line with FIFGROUP 2030 Sustainability Framework
Sustainability Framework & Initiatives, yang turut mengubah & Initiatives, which also changed the focus of disclosure in
fokus pengungkapan pada beberapa area dampak. [GRI 2-3] several impact areas. [GRI 2-3]
Dalam laporan ini tidak terdapat restatement atas informasi This report does not contain any restatement of information
yang disajikan dari laporan tahun sebelumnya. [GRI 2-4] presented in the previous year’s report. [GRI 2-4]
Pada periode ini, Perseroan belum menunjuk pihak independen During this period, the Company has not appointed an
untuk melakukan assurance eksternal. Meski demikian, seluruh independent party to conduct external assurance. However,
data menjalani proses verifikasi internal melalui mekanisme all data underwent an internal verification process through a
pengendalian kualitas oleh unit ESR & Sustainability serta quality control mechanism by the ESR & Sustainability unit and
ditelaah oleh Direksi sebelum dipublikasikan. FIFGROUP juga was reviewed by the Board of Directors before publication.
sedang mengevaluasi kemungkinan penerapan assurance FIFGROUP is also evaluating the possibility of implementing
eksternal pada periode pelaporan mendatang untuk external assurance in future reporting periods to enhance the
meningkatkan kredibilitas laporan. [OJK G.1][GRI 2-5] credibility of the report. [OJK G.1][GRI 2-5]
Untuk pertanyaan atau masukan terkait laporan, pemangku For questions or feedback regarding the report, stakeholders
kepentingan dapat menghubungi: [GRI 2-3] may contact: [GRI 2-3]
PT Federal International Finance (FIF)
Sujono
ESR & Sustainability Department Head
Menara FIF
Jl. TB Simatupang, Kav. 15,
Cilandak, Jakarta Selatan, Indonesia 12440
Email : corpsecretary@fifgroup.astra.co.id
Website : www.fifgroup.co.id
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Tanggapan Umpan Balik Laporan Tahun
Sebelumnya [OJK G.3]
Previous Year Report Feedback Response
Sepanjang tahun 2025, FIFGROUP tidak menerima masukan Throughout 2025, FIFGROUP did not receive any feedback
atau tanggapan dari pembaca terkait Laporan Keberlanjutan or responses from readers regarding the 2024 Sustainability
2024. Meski demikian, Perseroan terus berkomitmen Report. Nevertheless, the Company is committed to improving
meningkatkan kualitas penyajian informasi setiap tahunnya the quality of information presentation each year by providing
dengan menghadirkan laporan yang lebih relevan, reports that are more relevant, comprehensive, and easy
komprehensif, dan mudah dipahami. to understand.
Sebagai bagian dari prinsip keterbukaan, FIFGROUP As part of its principle of transparency, FIFGROUP invites
mengundang para pemangku kepentingan untuk memberikan stakeholders to provide suggestions, criticism, or feedback
saran, kritik, atau umpan balik atas Laporan Keberlanjutan 2025 on the 2025 Sustainability Report through the feedback form
melalui lembar umpan balik yang tersedia pada halaman akhir available at the end of this report. All feedback will be used as a
laporan ini. Setiap masukan akan menjadi dasar bagi Perseroan basis for the Company to improve the quality of its disclosures
untuk memperbaiki kualitas pengungkapan di tahun berikutnya. in the following year.
Identifikasi Topik Material
dan Batasan Dampak [GRI 2-14, 3-1, 3-2]
Identification of Material Topics and Impact Limitations
Dalam menyusun topik material tahun 2025, FIFGROUP In compiling material topics for 2025, FIFGROUP implemented
menerapkan proses penilaian materialitas yang komprehensif a comprehensive materiality assessment process in accordance
sesuai dengan pedoman Global Reporting Initiative (GRI). Proses with Global Reporting Initiative (GRI) guidelines. This process
ini mencakup identifikasi isu keberlanjutan, analisis risiko dan included identifying sustainability issues, analyzing risks and
peluang, serta peninjauan ekspektasi pemangku kepentingan. opportunities, and reviewing stakeholder expectations. All
Seluruh tahapan berada di bawah arahan Direksi sebagai stages are under the direction of the Board of Directors as
penanggung jawab implementasi keberlanjutan, dengan the party responsible for sustainability implementation, with
pengawasan strategis oleh Dewan Komisaris. Direksi melakukan strategic oversight by the Board of Commissioners. The Board
evaluasi dan persetujuan atas daftar topik prioritas yang telah of Directors evaluates and approves the list of priority topics
diselaraskan dengan strategi bisnis, regulasi yang berlaku, that have been aligned with the business strategy, applicable
serta komitmen Perseroan terhadap Tujuan Pembangunan regulations, and the Company’s commitment to the Sustainable
Berkelanjutan (TPB). Development Goals (SDGs).
Diskusi manajemen dan konsultasi dengan tim ahli memastikan Management discussions and consultations with teams of
bahwa setiap isu material dinilai berdasarkan tingkat signifikansi experts ensure that each material issue is assessed based
dampaknya, baik positif maupun negatif, yang timbul dari on the level of significance of its impact, both positive and
kegiatan operasional maupun sepanjang rantai nilai Perseroan. negative, arising from the Company’s operational activities
and throughout its value chain.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Seiring dengan perkembangan praktik pelaporan keberlanjutan In line with the development of global sustainability reporting
global, pendekatan penilaian materialitas juga mengalami practices, the materiality assessment approach has also evolved.
evolusi. Dalam beberapa tahun terakhir, FIFGROUP bertransisi In recent years, FIFGROUP has transitioned from a single
dari pendekatan single materiality menuju double materiality. materiality approach to double materiality. Whereas previously
Jika sebelumnya penilaian berfokus pada dampak isu the assessment focused on the impact of sustainability issues
keberlanjutan terhadap aspek ekonomi, lingkungan, dan on economic, environmental, and social aspects, the Company
sosial, kini Perseroan juga mempertimbangkan bagaimana now also considers how sustainability issues can affect the
isu keberlanjutan dapat memengaruhi kinerja keuangan, company’s financial, operational, and reputational performance.
operasional, dan reputasi perusahaan.
Perubahan pendekatan ini dilakukan untuk menyelaraskan This change in approach was made to align FIFGROUP’s
Laporan Keberlanjutan FIFGROUP dengan praktik terbaik global, Sustainability Report with global best practices, particularly
khususnya konsep double materiality sebagaimana diatur dalam the concept of double materiality as stipulated in the European
European Sustainability Reporting Standards (ESRS). Selain Sustainability Reporting Standards (ESRS). In addition, this
itu, pendekatan ini memungkinkan Perseroan memahami isu approach allows the Company to understand sustainability
keberlanjutan secara lebih menyeluruh, baik dari perspektif issues more comprehensively, both from the perspective of
dampak eksternal yang ditimbulkan perusahaan maupun dari the external impacts caused by the company’s and from the
sisi risiko dan peluang terhadap keberlanjutan bisnis. perspective of risks and opportunities for business sustainability.
Melalui pendekatan double materiality, FIFGROUP Through the double materiality approach, FIFGROUP integrates
mengintegrasikan dua perspektif utama, yaitu: two main perspectives, namely:
1. Financial Materiality, yaitu analisis dampak isu keberlanjutan 1. Financial Materiality, which is an analysis of the impact
terhadap operasional, reputasi, dan kinerja keuangan of sustainability issues on the Company’s operations,
Perseroan, termasuk risiko akibat perubahan regulasi, reputation, and financial performance, including risks
dinamika pasar, serta ekspektasi pemangku kepentingan. arising from regulatory changes, market dynamics, and
stakeholder expectations.
2. Impact Materiality, yaitu analisis dampak kegiatan 2. Impact Materiality, which is an analysis of the impact of
operasional Perseroan terhadap lingkungan dan masyarakat, the Company’s operational activities on the environment
baik dampak positif seperti peningkatan kualitas hidup and society, including positive impacts such as improved
maupun potensi dampak negatif terhadap sumber daya quality of life and potential negative impacts on resources
dan ekosistem. and ecosystems.
Pendekatan ini memperkuat transparansi dan akuntabilitas This approach strengthens the Company’s transparency and
Perseroan dalam mengelola isu keberlanjutan, serta mendukung accountability in managing sustainability issues and supports
pencapaian FIFGROUP 2030 Sustainability Framework & the achievement of the FIFGROUP 2030 Sustainability
Initiatives. Framework & Initiatives.
Dalam proses penilaian topik materialitas ini, FIFGROUP In the process of assessing these materiality topics, FIFGROUP
melibatkan pemangku kepentingan internal dan eksternal, involved internal and external stakeholders, including holding
antara lain holding, subholding, kreditur dalam penerbitan companies, subholding companies, creditors in loan issuance,
pinjaman (loan), praktisi dari universitas, serta karyawan practitioners from universities, and FIFGROUP employees,
FIFGROUP melalui survei materialitas. through a materiality survey.
Hasil survei tersebut menjadi masukan strategis dalam The survey results serve as strategic input in determining
menentukan arah dan langkah keberlanjutan FIFGROUP ke the direction and steps for FIFGROUP’s sustainability going
depan. Penilaian materialitas ini menghasilkan topik-topik forward. This materiality assessment resulted in priority topics
prioritas yang ditetapkan berdasarkan tingkat perhatian, being determined based on the level of attention, urgency,
urgensi, dan relevansi pada tahun 2025. and relevance in 2025.
Berikut disajikan matriks dan daftar topik material untuk The following is a matrix and list of material topics for 2025 and
tahun 2025 beserta relevansinya dengan FIFGROUP 2030 their relevance to the FIFGROUP 2030 Sustainability Framework
Sustainability Framework & Initiatives. & Initiatives.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Legenda I Legend :
Materiality Matrix
higher
Pilar Pilar Pilar Public
Portfolio People Contribution
Portfolio People Public Contribution
1 Pillars Pillars Pillar
2 Topik Material I Material Topics :
3 Produk Pembiayaan Keamanan Informasi 13 Air
Impact Materiality
5 4 1
Berkelanjutan
7
Information Security Water
6 Sustainable Financing 8 Kesehatan dan 14 Energi
Products Keselamatan Kerja Energy
Kontribusi Sosial Occupational Health 15 Pendidikan dan
9 8 7 2
Social Contribution and Safety Pelatihan
3 Perlindungan Data 9 Praktik Pengadaan Education and
11 10 Pribadi Procurement Practices Training
13 12 Personal Data 10 Ketenagakerjaan yang 16 Limbah
Protection Setara dan Inklusif Waste
15 14 Kinerja Ekonomi Equal and Inclusive
4 17 Tata Kelola dan Etika
dan Model Bisnis Employment Perusahaan
16
17 Berkelanjutan 11 Manajemen Risiko Corporate Governance
Economic dan Krisis and Code of Conduct
Performance and Risk and Crisis
Sustainable Business Management
Model Products 12 Emisi
5 Hubungan Pelanggan Emissions
Financial Materiality Customer Relations
higher Perubahan Iklim
6
Climate Change
Hasil survei materialitas tahun 2025 menunjukkan bahwa The 2025 materiality survey results show that the FIFGROUP
FIFGROUP 2030 Sustainability Framework & Initiatives tetap 2030 Sustainability Framework & Initiatives are still in line with
sejalan dengan ekspektasi para pemangku kepentingan. Berikut stakeholder expectations. The following is an explanation of
adalah penjelasan mengenai 3 (tiga) topik material teratas FIFGROUP's top 3 (three) material topics in 2025:
FIFGROUP pada tahun 2025:
1. Produk Pembiayaan Berkelanjutan 1. Sustainable Financing Products
Topik Produk Pembiayaan Berkelanjutan mencerminkan The topic of Sustainable Financing Products reflects
fokus FIFGROUP dalam memperkuat peran bisnis FIFGROUP's focus on strengthening its role as an enabler of
sebagai enabler pembangunan berkelanjutan melalui sustainable development through its Portfolio strategy. As a
strategi Portfolio. Sebagai perusahaan pembiayaan, arah financing company, product development direction is key to
pengembangan produk menjadi kunci dalam menciptakan creating long-term value while maintaining competitiveness
nilai jangka panjang sekaligus menjaga daya saing di in the financing industry.
industri pembiayaan.
Dari perspektif financial materiality, pengembangan From a financial materiality perspective, the development
produk pembiayaan berkelanjutan berkontribusi terhadap of sustainable financing products contributes to portfolio
diversifikasi portofolio, peningkatan daya tarik bagi diversification, increased appeal to consumers who are
konsumen yang semakin sadar lingkungan dan sosial, becoming more environmentally and socially conscious, and
serta mitigasi risiko transisi terkait perubahan regulasi dan mitigation of transition risks related to regulatory changes
ekspektasi pasar. Sebaliknya, kurangnya inovasi dalam and market expectations. On the other hand, a lack of
pembiayaan berkelanjutan berpotensi menyebabkan innovation in sustainable financing has the potential to
kehilangan pangsa pasar, meningkatnya risiko reputasi, cause loss of market share, increased reputational risk, and
dan terbatasnya akses terhadap sumber pendanaan yang limited access to funding sources that consider ESG aspects.
mempertimbangkan aspek ESG.
Sementara itu, dari sisi impact materiality, pembiayaan From an impact materiality perspective, sustainable
berkelanjutan memberikan dampak langsung terhadap financing has a direct impact on accelerating a low-carbon
percepatan ekonomi rendah karbon dan inklusif, misalnya and inclusive economy, for example, through financing more
melalui pembiayaan kendaraan yang lebih ramah environmentally friendly vehicles, supporting MSMEs, and
lingkungan, dukungan terhadap UMKM, serta skema financing schemes that encourage responsible business
pembiayaan yang mendorong praktik usaha bertanggung practices. FIFGROUP continues to strengthen its sustainable
jawab. FIFGROUP terus memperkuat kebijakan pembiayaan financing policies, integrate ESG aspects into its business
berkelanjutan, integrasi aspek ESG dalam proses bisnis, processes, and develop initiatives that support the transition
serta pengembangan inisiatif yang mendukung transisi to a greener and more inclusive economy.
menuju ekonomi yang lebih hijau dan inklusif.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
2. Kontribusi Sosial 2. Social Contribution
Topik Kontribusi Sosial mencerminkan komitmen FIFGROUP The topic of Social Contribution reflects FIFGROUP's
dalam menjalankan tanggung jawab sosial perusahaan yang commitment to fulfilling its corporate social responsibility
selaras dengan pilar Public Contribution pada FIFGROUP in line with the Public Contribution pillar of the FIFGROUP
2030 Sustainability Framework & Initiatives. Sebagai bagian 2030 Sustainability Framework & Initiatives. As part of the
dari ekosistem Astra dan entitas yang beroperasi di berbagai Astra ecosystem and an entity operating in various regions
wilayah Indonesia, kontribusi sosial menjadi aspek penting of Indonesia, social contribution is an important aspect
dalam menjaga hubungan harmonis dengan masyarakat. in maintaining harmonious relations with the community.
Dari perspektif financial materiality, program kontribusi From a financial materiality perspective, targeted and
sosial yang terarah dan berdampak positif berperan positively impactful social contribution programs play a
dalam memperkuat reputasi perusahaan, meningkatkan role in strengthening the company's reputation, increasing
loyalitas pelanggan, serta menjaga social license to operate. customer loyalty, and maintaining its social license to
Sebaliknya, kontribusi sosial yang tidak terkelola dengan operate. In contrast, social contributions that are not well
baik atau dianggap minim dapat memunculkan risiko managed or considered minimal can give rise to reputational
reputasi, menurunkan tingkat kepercayaan pemangku risks, reduce stakeholder trust, and potentially affect long-
kepentingan, serta berpotensi memengaruhi keberlanjutan term operational sustainability.
operasional jangka panjang.
Dari sisi impact materiality, kontribusi sosial FIFGROUP From the perspective of impact materiality, FIFGROUP's
memberikan dampak nyata terhadap peningkatan kualitas social contributions have a tangible impact on improving the
hidup masyarakat melalui program kesehatan, pendidikan, quality of life of the community through health, education,
pemberdayaan ekonomi, dan lingkungan, serta kegiatan economic empowerment, and environmental programs,
sosial lainnya yang selaras dengan Tujuan Pembangunan as well as other social activities that are in line with the
Berkelanjutan (TPB). FIFGROUP terus memastikan bahwa Sustainable Development Goals (SDGs). FIFGROUP
setiap program CSR dirancang secara terukur, berbasis continues to ensure that every CSR program is designed to
kebutuhan masyarakat, serta dievaluasi secara berkala be measurable, based on community needs, and evaluated
untuk memastikan kebermanfaatan dan kesinambungannya. periodically to ensure its usefulness and sustainability.
3. Perlindungan Data Pribadi 3. Personal Data Protection
Topik Perlindungan Data Pribadi mencerminkan fokus The topic of Personal Data Protection reflects FIFGROUP's
FIFGROUP dalam memperkuat tata kelola dan kepercayaan focus on strengthening governance and customer trust as
pelanggan sebagai bagian dari pilar People, mengingat part of the People pillar, given that the financing business
bisnis pembiayaan sangat bergantung pada pengelolaan is highly dependent on the management of sensitive
data konsumen yang sensitif. consumer data.
Dari perspektif financial materiality, perlindungan data From a financial materiality perspective, strong personal data
pribadi yang kuat berperan dalam memitigasi risiko denda protection plays a role in mitigating the risk of regulatory
regulasi, litigasi, gangguan operasional, serta kerusakan fines, litigation, operational disruptions, and reputational
reputasi akibat kebocoran atau penyalahgunaan data. damage due to data leaks or misuse. With increasingly
Dengan semakin ketatnya regulasi terkait perlindungan data strict regulations related to personal data protection and
pribadi dan meningkatnya risiko serangan siber, penguatan the rising risk of cyber-attacks, strengthening information
sistem keamanan informasi dan tata kelola data menjadi security systems and data governance are crucial factors
faktor krusial dalam menjaga keberlanjutan bisnis. in maintaining business sustainability.
Sementara itu, dari sisi impact materiality, pengelolaan In terms of impact materiality, responsible data management
data yang bertanggung jawab memberikan dampak has a positive impact on protecting customer privacy rights
positif terhadap perlindungan hak privasi pelanggan dan and increasing public trust in FIFGROUP's digital services.
peningkatan kepercayaan publik terhadap layanan digital FIFGROUP is committed to applying the principles of
FIFGROUP. FIFGROUP berkomitmen untuk menerapkan transparency, accountability, and security in every data
prinsip transparansi, akuntabilitas, dan keamanan dalam management process by strengthening internal policies,
setiap proses pengelolaan data, melalui penguatan improving information security system capabilities, and
kebijakan internal, peningkatan kapabilitas sistem keamanan providing ongoing education to employees on data
informasi, serta edukasi berkelanjutan kepada karyawan protection and cybersecurity.
terkait perlindungan data dan keamanan siber.
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Page 51
04
Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Tentang
Kami
About Us
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Sekilas FIFGROUP [GRI 2-1]
FIFGROUP at a Glance
“Sebagai perusahaan pembiayaan, FIFGROUP hadir dengan
semangat melayani dan memberdayakan guna memberikan nilai
tambah bagi masyarakat Indonesia”
“As a financing company, FIFGROUP is dedicated to serving and
empowering to bring added value to the Indonesian people.”
Selama lebih dari tiga dekade, PT Federal International Finance For more than three decades, PT Federal International Finance
(FIFGROUP) telah menjadi bagian penting dari perjalanan (FIFGROUP) has been an important part of the financing industry
industri pembiayaan di Indonesia. Berdiri pada 1 Mei 1989 di in Indonesia. Established on May 1, 1989, in Jakarta under the
Jakarta dengan nama awal PT Mitrapusaka Artha Finance, name PT Mitrapusaka Artha Finance, the Company began by
Perseroan memulai langkahnya dengan menyediakan layanan providing financing services to people who needed easier and
pembiayaan bagi masyarakat yang membutuhkan akses more reliable access to finance.
keuangan yang lebih mudah dan terpercaya.
Seiring dengan perkembangan industri dan meningkatnya As the industry developed and public demand for affordable
kebutuhan masyarakat akan layanan pembiayaan yang financing services increased, in 1991, the Company officially
terjangkau, pada tahun 1991 Perseroan resmi berganti nama changed its name to PT Federal International Finance
menjadi PT Federal International Finance dan memfokuskan and focused its business activities on financing Honda
kegiatan usahanya pada pembiayaan sepeda motor motorcycles. This strategic move was an important milestone
Honda. Langkah strategis ini menjadi tonggak penting yang that strengthened FIFGROUP's position as a leading financing
memperkuat posisi FIFGROUP sebagai mitra pembiayaan utama partner for retail consumers throughout Indonesia.
bagi konsumen ritel di seluruh Indonesia.
Melihat potensi pasar yang terus tumbuh, pada tahun 1996 Recognizing the growing market potential, in 1996, FIFGROUP
FIFGROUP mulai memperluas portofolio bisnisnya secara lebih began to expand its business portfolio more aggressively by
agresif dengan menghadirkan beragam produk dan layanan introducing a variety of innovative financing products and
pembiayaan yang inovatif. Komitmen untuk terus beradaptasi services. This commitment to continuous adaptation and
dan berinovasi ini menjadikan FIFGROUP sebagai salah satu innovation has made FIFGROUP one of the pioneers in the
pelopor dalam industri pembiayaan nasional. national financing industry.
Transformasi besar terjadi pada Mei 2013, ketika Perseroan A major transformation took place in May 2013, when the
memperkenalkan merek FIFGROUP sebagai identitas korporasi Company introduced the FIFGROUP brand as its corporate
yang mencerminkan semangat baru yang lebih dinamis, identity, reflecting a new spirit that is more dynamic, modern, and
modern, dan berorientasi pada pelayanan yang unggul. oriented towards superior service. Through this transformation,
Melalui transformasi ini, FIFGROUP menegaskan visinya untuk FIFGROUP affirmed its vision to become a financing company
menjadi perusahaan pembiayaan yang tidak hanya berfokus that not only focuses on business growth, but also plays an
pada pertumbuhan bisnis, tetapi juga berperan aktif dalam active role in improving the welfare of society.
meningkatkan kesejahteraan masyarakat.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Sebagai perusahaan yang tunduk pada regulasi Otoritas As a company subject to the regulations of the Financial
Jasa Keuangan (OJK), khususnya POJK No. 35/POJK.05/2018 Services Authority (OJK), specifically POJK No. 35/POJK.05/2018
tentang Penyelenggaraan Usaha Perusahaan Pembiayaan, concerning the Operation of Financing Companies,
FIFGROUP senantiasa mengedepankan tata kelola yang baik, FIFGROUP always prioritizes good governance, service
inovasi layanan, serta keberlanjutan dalam setiap langkahnya. innovation, and sustainability in every step of its operations.
Hingga kini, FIFGROUP terus berkomitmen memberikan solusi Today, FIFGROUP remains committed to providing relevant,
pembiayaan yang relevan, mudah diakses, dan berdaya guna accessible, and effective financing solutions through various
melalui berbagai lini bisnis yang dikembangkan dengan merek- business lines developed under the following flagship brands:
merek unggulan sebagai berikut: [OJK C.4] [GRI 2-6] [OJK C.4] [GRI 2-6]
Fasilitas Pembiayaan Sepeda Motor Honda
Honda Motorcycle Financing Facility
FIFASTRA merupakan lini bisnis utama FIFGROUP yang berfokus pada pembiayaan
sepeda motor Honda baru dan menjadi kontributor terbesar dalam portofolio
usaha Perseroan.
FIFASTRA is FIFGROUP's main business line, focusing on financing new Honda
motorcycles, and is the largest contributor to the Company's business portfolio.
Fasilitas Pembiayaan Konsumtif
Consumer Financing Facility
Melalui SPEKTRA, FIFGROUP mengembangkan layanan consumer financing yang
menyasar kebutuhan konsumsi rumah tangga dan produk lifestyle. Dengan portofolio
pembiayaan multiproduk—mulai dari elektronik, peralatan rumah tangga, furnitur,
hingga gadget dan produk lifestyle—SPEKTRA memperluas akses pembiayaan yang
relevan dengan kebutuhan dan preferensi konsumen.
Through SPEKTRA, FIFGROUP has developed consumer financing services that
target household consumption and lifestyle products. With a multi-product financing
portfolio—ranging from electronics, household appliances, furniture, to gadgets and
lifestyle products—SPEKTRA expands access to financing that is relevant to consumer
needs and preferences.
Fasilitas Pembiayaan Multiguna
Multi-purpose Financing Facility
Fasilitas pembiayaan ini memberikan layanan kredit multiguna berbasis jaminan
collateral, yang ditujukan untuk mendukung sektor usaha mikro.
This financing facility provides collateral-based multipurpose credit services, aimed
at supporting the micro business sector.
Fasilitas Pembiayaan Mikro Produktif
Micro Productive Financing Facility
Layanan pembiayaan produktif bagi pelaku UMKM guna mendorong pengembangan
dan peningkatan skala usahanya.
Productive financing services for MSME entrepreneurs to encourage business
development and scale-up.
Fasilitas Pembiayaan Syariah
Sharia Financing Facility
Fasilitas pembiayaan berbasis syariah yang menyediakan layanan untuk berbagai
kebutuhan, termasuk pembiayaan perjalanan religi, seperti Haji dan Umrah.
Sharia-based financing facilities that provide services for various needs, including
financing for religious travel, such as Hajj and Umrah.
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Nama Perusahaan [GRI 2-1] Bentuk Legal [GRI 2-1]
Company Name Legal Form
PT Federal International Finance Perseroan Terbatas
Limited Liability Company
Tahun Berdiri
Establishment Date Landasan Hukum [GRI 2-1]
Legal Basis
1 Mei 1989
May 1, 1989 Akta Notaris Rukmasanti Hardjasatya,
S.H., No. 1 yang kemudian diubah dengan
akta No.40 tanggal 26 Juni 1989, dengan
persetujuan Surat Keputusan Menteri
Pemegang Saham [OJK C.3] Kehakiman No. C2-6728.HT.01.01.Th.89
Establishment Date tanggal 27 Juli 1989.
Deed of Notary Rukmasanti Hardjasatya, S.H.,
99,99996% 0,00004% No. 1, which has been amended by Deed No.
40 dated June 26, 1989, approved by the
PT Astra PT Arya Decree of the Minister of Justice No. C2 -
International Kharisma 6728.HT.01.01.Th.89 dated July 27, 1989.
Tbk.
Bidang Usaha [OJK C.4] [GRI 2-6]
Establishment Date
Pembiayaan Investasi, Pembiayaan Modal Kerja, Pembiayaan Multiguna, Pembiayaan Sewa Operasi (Operating
Lease) dan/atau Kegiatan Berbasis Fee, Pembiayaan Syariah mencakup Pembiayaan Jual Beli, Pembiayaan
Investasi, dan/atau Pembiayaan Jasa dengan menggunakan akad prinsip syariah; serta Pembiayaan Lain.
Seluruhnya telah mendapatkan persetujuan Otoritas Jasa Keuangan dan memenuhi ketentuan Peraturan
Otoritas Jasa Keuangan No. 35/POJK.05/2018 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan.
Investment Financing, Working Capital Financing, Multi-purpose Financing, Operating Lease Financing,
and/ or Fee-Based Activities. Sharia Financing, which includes Sale and Purchase Financing, Investment
Financing, and/or Service Financing using Sharia principle contracts, and Other Financing. All of which have
received approval from the Financial Services Authority and fulfill the provisions of Financial Services Authority
Regulation No. 35/POJK.05/2018 concerning the Business Operation of Financing Companies.
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Perubahan Signifikan di Tahun 2025 [OJK C.6]
Significant Changes in 2024
Sepanjang tahun 2025, FIFGROUP menjalankan kegiatan operasionalnya secara stabil tanpa adanya
perubahan yang berdampak material terhadap keberlanjutan usaha. Model bisnis, rantai pasok, jaringan
cabang, maupun struktur kepemilikan Perseroan tetap konsisten dan tidak mengalami perubahan signifikan
yang dapat memengaruhi kinerja maupun arah strategi keberlanjutan Perseroan.
Throughout 2025, FIFGROUP conducted its operations consistently without any material changes that could
impact business continuity. The Company’s business model, supply chain, branch network, and ownership
structure remained consistent and experienced no significant changes that could affect the Company’s
performance or the direction of its sustainability strategy.
Alamat Kantor Pusat [OJK C.2] [GRI 2-1] Media Sosial
Head Office Address Social Media
Facebook: FIFCLUB
Menara FIF
Instagram: FIFCLUB
Jl. TB. Simatupang,
TikTok: FIFCLUB
Kav. 15, Cilandak,
X: FIFCLUB
Jakarta Selatan 12440, Indonesia
Youtube: FIFCLUB
Telp +6221-769 8899
Fax +6221-759 055 99
E-mail corpsecretary@fifgroup.astra.co.id
FIF Tower
Jl. TB. Simatupang,
Kav. 15, Cilandak,
South Jakarta 12440, Indonesia
Phone +6221-769 8899
Fax +6221-759 055 99
E-mail corpsecretary@fifgroup.astra.co.id
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Visi, Misi, dan Nilai Budaya
Perusahaan [OJK C.1]
Vision, Mission, and
Corporate Cultural Values
Menjadi Pemimpin
VISI
Industri yang Dikagumi
Secara Nasional.
To be The Admired National
VISION Industry Leader.
Membawa Kehidupan
MISI
yang Lebih Baik
untuk Masyarakat.
Bring the Better Life to
MISSION the Community.
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Nilai-Nilai Budaya Perusahaan [OJK F.1]
Company Cultural Values
Team Work
Kerja sama sinergis secara profesional antar individu atau kelompok
berlandaskan saling menghargai dan saling percaya dengan
semangat kebersamaan untuk mencapai tujuan perusahaan.
T Professional synergy between individuals or groups based on mutual respect
and trust, with a spirit of togetherness to achieve company goals.
Excellence
Proaktif meningkatkan kualitas layanan dan produk melalui
optimalisasi sumber daya dan perbaikan proses berkesinambungan
untuk menghasilkan nilai tambah bagi stakeholder.
E Proactively improving service and product quality
through resource optimization and continuous process
improvement to generate added value for stakeholders.
Achieving
Berkomitmen menghasilkan inovasi-inovasi berlandaskan
integritas, semangat pemenang dan pantang
menyerah untuk mencapai prestasi terbaik.
A Committed to producing innovations based on integrity, a winning
spirit, and perseverance to achieve the highest achievements.
Moving Forward
Berwawasan luas dan berpandangan jauh ke depan dalam menemukan
dan menciptakan peluang untuk mencapai pertumbuhan berkelanjutan.
Having broad vision and foresight in identifying and
creating opportunities to achieve sustainable growth
M
Dalam mewujudkan visi “Menjadi Pemimpin Industri In fulfilling its vision of “Become a Nationally Admired Industry
yang Dikagumi Secara Nasional,” FIFGROUP senantiasa Leader,” FIFGROUP continues to foster a culture of innovation
menumbuhkan budaya inovasi di seluruh lini bisnisnya. Salah across all of its business lines. One of the important steps in
satu langkah penting dalam perjalanan transformasi digital the Company’s digital transformation journey was the launch of
Perseroan adalah peluncuran FIFGROUP Digital Form pada Mei FIFGROUP Digital Form in May 2016, which became an integral
2016, yang menjadi bagian integral dari FIFGROUP Digitalization part of the FIFGROUP Digitalization Ecosystem. This initiative
Ecosystem. Inisiatif ini dirancang untuk menghadirkan proses was designed to provide a faster, more efficient, and more
pembiayaan yang lebih cepat, efisien, dan mudah diakses oleh accessible financing process for customers, while strengthening
pelanggan, sekaligus memperkuat pengalaman layanan yang a modern and reliable service experience.
modern dan tepercaya.
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Selain berfokus pada inovasi digital, FIFGROUP juga Beyond focusing on digital innovation, FIFGROUP also instills
menanamkan nilai-nilai inti dan budaya keberlanjutan kepada core values and a culture of sustainability in all its employees
seluruh karyawannya sebagai panduan dalam menjalankan as a guide for conducting business activities. These values
aktivitas bisnis. Nilai-nilai tersebut menjadi landasan dalam form the foundation for building harmonious relationships
membangun hubungan yang harmonis dengan para pemangku with stakeholders and encourage integrity, professionalism,
kepentingan, serta mendorong terciptanya integritas, and service excellence in every interaction with customers.
profesionalisme, dan keunggulan layanan di setiap interaksi
dengan pelanggan.
Wilayah Operasional [OJK C.3] [GRI 2-1, 2-6]
Operational Area
Jangkauan operasional FIFGROUP tersebar di seluruh wilayah FIFGROUP's operational reach spans across Indonesia, with
Indonesia, dengan total 262 kantor cabang di berbagai pulau a total of 262 branch offices on various major islands such
besar seperti Sumatra, Jawa, Bali, Kalimantan, Sulawesi, Nusa as Sumatra, Java, Bali, Kalimantan, Sulawesi, Nusa Tenggara,
Tenggara, Maluku, hingga Papua. Keberadaan jaringan yang Maluku, and Papua. This extensive network allows the
luas ini memungkinkan Perseroan untuk menjangkau lebih Company to reach more people and provide easily accessible
banyak masyarakat dan menghadirkan layanan pembiayaan financing services in various regions. With the support of this
yang mudah diakses di berbagai daerah. Dengan dukungan network, FIFGROUP has successfully solidified its position as
jaringan tersebut, FIFGROUP berhasil meneguhkan posisinya one of the largest and most trusted financing companies in
sebagai salah satu perusahaan pembiayaan terbesar dan Indonesia. Detailed information regarding the distribution of
terpercaya di Indonesia. Informasi terperinci mengenai sebaran the Company's operational areas is available in the FIFGROUP
wilayah operasional Perseroan dapat ditemukan dalam Laporan 2025 Annual Report.
Tahunan FIFGROUP 2025.
262
Kantor Cabang
Branch Office
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Skala Usaha [OJK C.3] [GRI 2-6]
Business Scale
Uraian Satuan
2025 2024 2023
Description Unit
Jumlah Karyawan* Orang 14.411 14.134 13.801
Total Employee People
Total Pendapatan Bersih 13.513 12.153 10.416
Total Net Income Rp miliar
Laba (Rugi) Rp billion 4.632 4.415 4.107
Profit (Loss)
Total Kapitalisasi
Total Capitalization
Jumlah Liabilitas 37.440 33.505 27.877
Total Liability
Jumlah Ekuitas Rp miliar 14.438 12.176 11.291
Total Equity Rp billion
Jumlah Aset 51.878 45.681 39.168
Total Asset
*Informasi demografi karyawan secara rinci berdasarkan jenis kelamin, jabatan, usia, status ketenagakerjaan, dan pendidikan disajikan pada bab Kinerja Sosial dalam laporan ini.
*Detailed demographic information on employees based on gender, position, age, employment status, and education is presented in the Social Performance chapter of this report.
Keanggotaan Asosiasi [OJK C.5] [GRI 2-28]
Association Membership
FIFGROUP berperan aktif dalam berbagai asosiasi profesional FIFGROUP actively participates in various professional
dan organisasi industri sebagai bentuk komitmen untuk terus associations and industry organizations as part of its
berkontribusi pada pengembangan sektor pembiayaan di commitment to continuously contribute to the development
Indonesia. Melalui keanggotaan ini, Perseroan memperoleh of the financing sector in Indonesia. These memberships
akses terhadap pertukaran informasi, pembaruan kebijakan, provide the Company with access to information exchange,
serta kolaborasi strategis yang mendukung peningkatan policy updates, and strategic collaborations that support
kompetensi dan kualitas layanan. Selain itu, partisipasi aktif improvements in competence and service quality. In addition,
dalam berbagai forum juga memungkinkan FIFGROUP untuk active participation in various forums enables FIFGROUP to
berperan dalam penyusunan kebijakan dan praktik terbaik di contribute to the formulation of policies and best practices in
industri pembiayaan nasional. the national financing industry.
Adapun asosiasi dan organisasi yang diikuti oleh FIFGROUP The associations and organizations that FIFGROUP participates
antara lain Asosiasi Perusahaan Pembiayaan Indonesia (APPI), in include the Indonesian Financial Services Association (IFSA/
PT Rapi Utama Indonesia (Rapindo), serta Lembaga Alternatif APPI), PT Rapi Utama Indonesia (Rapindo), and the Alternative
Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK). Dispute Resolution Agencies in Financial Services Sector
(LAPS SJK).
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Tentang Kami About Us
Page 61
Tata Kelola Keberlanjutan Kinerja Keberlanjutan
05
Sustainability Governance Sustainability Performance
Tata Kelola
Keberlanjutan
Sustainability Governance
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Tata Kelola Keberlanjutan
Sustainable Governance
“Tata kelola yang baik menjadi
fondasi utama dalam perjalanan
keberlanjutan FIFGROUP. Melalui
penerapan prinsip transparansi,
akuntabilitas, dan integritas,
Perseroan memastikan bahwa
setiap keputusan dan kegiatan
usaha dilakukan dengan
memperhatikan kepentingan
ekonomi, sosial, dan lingkungan
secara seimbang.”
“Good governance is the main foundation of
FIFGROUP’s sustainability journey. Through
the application of transparency, accountability,
and integrity, the Company ensures that every
decision and business activity is carried out
with due consideration to economic, social, and
environmental interests in a balanced manner.”
Selama lebih dari tiga dekade perjalanan bisnisnya, FIFGROUP For more than three decades of its business journey, FIFGROUP
terus mempertahankan kepercayaan yang diberikan oleh has continued to maintain the trust given by all stakeholders
seluruh pemangku kepentingan melalui penerapan tata kelola through the implementation of transparent, accountable, and
perusahaan yang transparan, akuntabel, dan berintegritas. ethical corporate governance. This trust has become the main
Kepercayaan tersebut menjadi fondasi utama dalam foundation in building business sustainability and encouraging
membangun keberlanjutan bisnis dan mendorong Perseroan the Company to continue innovating and strengthening its
untuk terus berinovasi serta memperkuat perannya sebagai role as one of the leading financing companies in Indonesia.
salah satu perusahaan pembiayaan terkemuka di Indonesia.
Komitmen terhadap Tata Kelola Perusahaan yang Baik Commitment to Good Corporate Governance (GCG) is realized
(Good Corporate Governance/GCG) diwujudkan melalui through the application of principles of ethical behavior,
penerapan prinsip-prinsip perilaku beretika, transparansi, transparency, accountability, and sustainability at every level
akuntabilitas, dan keberlanjutan di setiap tingkatan organisasi. of the organization. The implementation of GCG not only
Penerapan GCG bukan hanya mendukung kinerja operasional supports the Company's operational performance and long-
dan keberlanjutan jangka panjang Perseroan, tetapi juga term sustainability, but also serves as a guideline for FIFGROUP
menjadi pedoman bagi FIFGROUP dalam menjaga kepercayaan in maintaining public trust, increasing the Company's value,
publik, meningkatkan nilai Perseroan, serta memastikan and making sure that every business policy is implemented
setiap kebijakan bisnis dijalankan secara beretika dan ethically and responsibly.
bertanggung jawab.
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Untuk memastikan implementasi GCG berjalan secara To achieve effective implementation of GCG, FIFGROUP always
efektif, FIFGROUP senantiasa mengacu pada POJK No. 48 refers to POJK No. 48 of 2024 concerning Good Governance for
Tahun 2024 tentang Tata Kelola yang Baik Bagi Lembaga Financing Institutions, Venture Capital Companies, Microfinance
Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Institutions, and Other Financial Services Institutions, Law No. 40
Mikro, dan Lembaga Jasa Keuang an Lainnya, Undang-Undang of 2007 concerning Limited Liability Companies, other relevant
No. 40 Tahun 2007 tentang Perseroan Terbatas, peraturan laws and regulations, as well as various strategic decisions
perundang-undangan lain yang terkait, serta berbagai made through the General Meeting of Shareholders (GMS).
keputusan strategis yang ditetapkan melalui Rapat Umum The Company's governance structure consists of a Board of
Pemegang Saham (RUPS). Struktur tata kelola Perseroan antara Commissioners that plays a supervisory role, and a Board of
lain terdiri atas Dewan Komisaris yang berperan dalam fungsi Directors that is responsible for managing and implementing
pengawasan, serta Direksi yang bertanggung jawab terhadap business strategies. Detailed information regarding the
pengelolaan dan pelaksanaan strategi bisnis. Informasi composition, diversity, nomination, and remuneration
rinci terkait komposisi, keberagaman, proses nominasi dan processes, as well as the responsibilities of each governing
remunerasi, serta tanggung jawab masing-masing organ body, is described in the FIFGROUP 2025 Annual Report.
telah diuraikan dalam Laporan Tahunan FIFGROUP 2025. [GRI 2-10, 2-11, 2-16, 2-19, 2-20, 2-21, 202-1, 405-1]
[GRI 2-10, 2-11, 2-16, 2-19, 2-20, 2-21, 202-1, 405-1]
Sebagai bagian dari penguatan tata kelola keberlanjutan, As part of strengthening sustainability governance, FIFGROUP
FIFGROUP secara rutin mengidentifikasi topik-topik ESG regularly identifies ESG topics that are material to the
yang material bagi strategi bisnis Perseroan, termasuk Company's business strategy, including climate change issues.
isu perubahan iklim. Perseroan juga mengadopsi The Company also adopts international reporting frameworks
kerangka pelaporan internasional seperti GRI dan IFRS such as GRI and IFRS to ensure consistency, comparability,
untuk memastikan konsistensi, keterbandingan, dan and reliability of sustainability information disclosure.
keandalan pengungkapan informasi keberlanjutan. [ACGS C.1.1, C.1.2, C.1.3]
[ACGS C.1.1, C.1.2, C.1.3]
FIFGROUP memastikan bahwa setiap pengambilan keputusan FIFGROUP acknowledges that every decision is made with
dilakukan dengan memperhatikan prinsip kehati-hatian, due consideration of the principles of prudence, compliance
kepatuhan terhadap peraturan perundang-undangan, with laws and regulations, and business ethics. GCG practices
serta nilai-nilai etika bisnis. Praktik GCG diterapkan secara are implemented comprehensively, from management
menyeluruh, mulai dari tingkat manajemen hingga karyawan, to employees, to prevent conflicts of interest and ensure
guna mencegah terjadinya konflik kepentingan dan menjamin performance accountability. During the 2025 reporting
akuntabilitas kinerja. Selama periode pelaporan tahun 2025, period, the Company did not receive any material legal or
Perseroan tidak menerima sanksi hukum atau administratif yang administrative sanctions from the competent authorities,
bersifat material dari otoritas berwenang, yang menunjukkan demonstrating FIFGROUP's consistency in maintaining integrity
konsistensi FIFGROUP dalam menjaga integritas dan kepatuhan and compliance with applicable regulations. [GRI 2-15, 2-27]
terhadap regulasi yang berlaku. [GRI 2-15, 2-27]
Sebagai bagian dari komitmen keberlanjutan, FIFGROUP As part of its commitment to sustainability, FIFGROUP also
juga mengintegrasikan aspek Lingkungan, Sosial, dan Tata integrates Environmental, Social, and Governance (ESG)
Kelola (LST) ke dalam sistem pengelolaan Perseroan. Untuk aspects into the Company’s management system. To ensure
memastikan koordinasi dan efektivitas pelaksanaan, Perseroan coordination and effectiveness of implementation, the Company
membentuk Koordinator Aksi Keuangan Berkelanjutan yang has established a Sustainable Finance Action Coordinator
terdiri dari fungsi Corporate Secretary, Legal & Litigation, consisting of the Corporate Secretary, Legal & Litigation,
Corporate Planning & Communication, dan GS, Building, ESR Corporate Planning & Communication, and GS, Building, ESR &
& Sustainability. Tim ini bertanggung jawab dalam memantau Sustainability functions. This team is responsible for monitoring
risiko keberlanjutan, mengidentifikasi peluang peningkatan sustainability risks, identifying opportunities to improve ESG
kinerja ESG, serta memastikan setiap inisiatif keberlanjutan performance, and ensuring that every sustainability initiative is
sejalan dengan strategi bisnis jangka panjang Perseroan. in line with the Company’s long-term business strategy.
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Selain itu, Perseroan juga memiliki Komite Keberlanjutan In addition, the Company also has a Sustainability Committee
yang bertugas mengawasi, mengevaluasi, dan memberikan tasked with overseeing, evaluating, and providing
rekomendasi atas pelaksanaan program-program keberlanjutan recommendations on the implementation of sustainability
di seluruh unit kerja. Komite ini berperan penting dalam programs across all work units. This committee plays an important
penyusunan dan pelaporan Rencana Aksi Keuangan role in the preparation and reporting of the Sustainable Finance
Berkelanjutan (RAKB) serta dalam memastikan keterlibatan Action Plan (RAKB) and in ensuring the active involvement of
aktif Dewan Komisaris dan Direksi dalam proses peninjauan dan the Board of Commissioners and Directors in the process of
persetujuan laporan kinerja keberlanjutan. Melalui sinergi lintas reviewing and approving sustainability performance reports.
fungsi ini, FIFGROUP berkomitmen untuk terus meningkatkan Through this cross-functional synergy, FIFGROUP is committed
efektivitas tata kelola keberlanjutan dan memperkuat perannya to continuously improving the effectiveness of its sustainability
sebagai perusahaan pembiayaan yang bertanggung jawab dan governance and strengthening its role as a responsible and
berdaya saing tinggi. [GRI 2-12, 2-13, 2-14, 2-18] highly competitive financing company. [GRI 2-12, 2-13, 2-14, 2-18]
Perseroan menetapkan target kinerja keberlanjutan yang The Company sets measurable sustainability performance
terukur serta melaporkan capaian tahunannya dibandingkan targets and reports its annual achievements against those
target tersebut. Seluruh pengungkapan keberlanjutan, termasuk targets. All sustainability disclosures, including ESG objectives,
tujuan, strategi, risiko, dan kinerja ESG, ditinjau dan disetujui strategies, risks, and performance, are reviewed and approved
oleh Direksi dan Dewan Komisaris melalui mekanisme Komite by the Board of Directors and Board of Commissioners
Keberlanjutan. [ACGS C.1.4, C.1.5, C.1.6] through the Sustainability Committee mechanism.
[ACGS C.1.4, C.1.5, C.1.6]
Struktur Tata Kelola Keberlanjutan [OJK E.1] [GRI 2-9]
Sustainability Governance Structure
Tim Koordinator Keuangan
Mengembangkan produk dan/ Berkelanjutan
Bertanggung jawab kepada Direksi atau jasa keuangan berkelanjutan, Sustainable Finance Coordination
Responsible to the Board of meningkatkan kapasitas intern, Team
Directors menyesuaikan organisasi,
manajemen risiko, tata kelola, dan/ 1. Corporate Secretary, Legal &
atau SOP Litigation Division
Developing sustainable financial 2. Corporate Planning &
products and/or services, improving Communication Division
internal capacity, adjusting the 3. General Services, Building, ESR
organization, risk management, & Sustainability Division
governance, and/or SOP
Bertanggung jawab kepada Dewan
Melakukan pengawasan kegiatan
Komite Keberlanjutan Komisaris
berbasis LST
Sustainability Committee Responsible to the Board of
Supervising LST-based activities
Directors
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
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Manajemen Risiko Lingkungan, Sosial,
dan Tata Kelola (LST) [OJK E.3]
Environmental, Social, and Governance (ESG) Risk Management
Di bawah koordinasi Divisi Manajemen Risiko, FIFGROUP secara Under the coordination of the Risk Management Division,
konsisten menerapkan pendekatan yang terstruktur dalam FIFGROUP consistently implements a structured approach in
mengidentifikasi, menganalisis, dan memitigasi berbagai potensi identifying, analyzing, and mitigating various potential risks that
risiko yang dapat memengaruhi keberlanjutan usaha. Proses ini may affect business sustainability. This process is designed
dirancang untuk memastikan bahwa setiap risiko dikelola secara to ensure that every risk is managed effectively, so that the
efektif, sehingga Perseroan dapat menjaga stabilitas bisnis Company can maintain business stability while strengthening
sekaligus memperkuat strategi jangka panjangnya. FIFGROUP its long-term strategy. FIFGROUP is also committed to fostering
juga berkomitmen untuk menumbuhkan budaya manajemen a strong risk management culture across all lines of the
risiko yang kuat di seluruh lini organisasi, selaras dengan prinsip organization, in line with GCG principles and compliance with
GCG dan kepatuhan terhadap ketentuan regulator. regulatory requirements.
Dalam penerapannya, manajemen risiko diintegrasikan In its implementation, risk management is integrated into all
ke dalam seluruh proses operasional dan pengambilan operational processes and decision-making, so that it functions
keputusan, sehingga berfungsi tidak hanya sebagai mekanisme not only as a control mechanism, but also as an early warning
pengendalian, tetapi juga sebagai sistem peringatan dini (early system that helps the Company identify potential threats and
warning system) yang membantu Perseroan dalam mengenali opportunities more quickly. With this approach, FIFGROUP can
potensi ancaman dan peluang secara lebih cepat. Dengan respond proactively to market dynamics, strengthen business
pendekatan ini, FIFGROUP dapat merespons dinamika pasar resilience, and obtain sustainable performance.
secara proaktif, memperkuat ketahanan bisnis, dan memastikan
keberlangsungan kinerja yang berkelanjutan.
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Upaya manajemen risiko Perseroan dapat dijabarkan pada The Company's risk management efforts are outlined in the risk
bagan risk management framework based berdasarkan ISO management framework based on ISO 31000:2018 as follows:
31000:2018 sebagai berikut:
Struktur Tata Kelola Risiko
Risk Management Structure
Lingkup, Konteks, Kriteria
Scope, Context, Criteria
Penilaian Risiko | Risk Assessment
Identifikasi Risiko
Risk Identification
Lingkup, Konteks, Kriteria
Lingkup, Konteks, Kriteria
Scope, Context, Criteria
Scope, Context, Criteria
Analisa Risiko
Risk Analysis
Likelihood
Consequence
Compute Level of Risk
Evaluasi Risiko
Risk Evaluation
Perlakukan Risiko
Risk Treatment
Pencatatan dan Pelaporan
Recording and Reporting
Berdasarkan bagan di atas, FIFGROUP menerapkan tiga Based on the chart above, FIFGROUP implements three main
tahapan utama dalam proses manajemen risiko, yang saling stages in the risk management process, which are integrated
terintegrasi dan berfungsi untuk memastikan setiap potensi and serve to ensure that every potential risk can be identified,
risiko dapat diidentifikasi, dianalisis, serta dikelola secara efektif. analyzed, and managed effectively.
• Penetapan konteks dilakukan untuk memahami secara • Context setting is carried out to thoroughly understand
menyeluruh tujuan, ruang lingkup, dan lingkungan bisnis the objectives, scope, and business environment of the
Perseroan sebagai dasar dalam melakukan risk assessment Company as a basis for conducting risk assessments that are
yang sesuai dengan karakteristik dan kebutuhan organisasi. in line with the characteristics and needs of the organization.
• Penilaian risiko mencakup proses identifikasi terhadap • Risk assessment includes the process of identifying
potensi risiko yang berpengaruh pada pencapaian tujuan potential risks that affect the achievement of the Company's
Perseroan, pengukuran tingkat dampak dan kemungkinan objectives, measuring the level of impact and likelihood of
terjadinya, serta evaluasi secara berkala yang melibatkan occurrence, and conducting periodic evaluations involving
seluruh Risk Control Owner di setiap unit kerja. all Risk Control Owners in each work unit.
• Penanganan risiko dilakukan dengan merumuskan • Risk management is implemented by formulating appropriate
strategi mitigasi yang tepat, menentukan sumber daya mitigation strategies, determining the necessary resources,
yang dibutuhkan, serta melakukan benchmarking terhadap and benchmarking against best practices to assure the
praktik terbaik untuk memastikan efektivitas langkah effectiveness of risk control measures.
pengendalian risiko.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Ketiga tahapan utama tersebut diperkuat oleh dua elemen These three main stages are reinforced by two supporting
pendukung, yaitu komunikasi dan konsultasi, serta pemantauan elements, namely communication and consultation, as well as
dan peninjauan ulang (review). Kedua elemen ini memastikan monitoring and review. These two elements encourage that
bahwa penerapan manajemen risiko dilakukan secara risk management is implemented in a transparent, participatory,
transparan, partisipatif, dan inklusif, melibatkan seluruh and inclusive manner, involving all parts of the organization and
bagian organisasi serta mempertimbangkan kepentingan para taking into account the interests of stakeholders.
pemangku kepentingan (stakeholders).
Dalam praktiknya, FIFGROUP secara rutin melaksanakan proses In practice, FIFGROUP routinely carries out the process of
identifikasi, penilaian, pemantauan, dan pengendalian risiko identifying, assessing, monitoring, and controlling risks in
terhadap 9 (sembilan) kategori utama risiko Lembaga Jasa nine (9) main categories of Non-Bank Financial Services
Keuangan Non-Bank (LJKNB), yang meliputi risiko strategis, Institutions (LJKNB), which include strategic, operational,
operasional, kredit, pasar, likuiditas, hukum, kepatuhan, reputasi, credit, market, liquidity, legal, compliance, reputation, and
dan transaksi intra-grup. Seluruh proses ini dijalankan dalam intra-group transaction risks. This entire process is done within
kerangka manajemen risiko terintegrasi sebagai bagian dari the framework of integrated risk management as part of the
Konglomerasi Keuangan Astra, bersama entitas jasa keuangan Astra Financial Conglomerate, together with other financial
lain di bawah Grup Astra, baik di sektor perbankan maupun service entities under the Astra Group, both in the banking
non-bank, guna memastikan efektivitas pengendalian risiko and non-banking sectors, to ensure the overall effectiveness
secara menyeluruh di tingkat grup. of risk control at the group level.
Berikut adalah proses identifikasi, penilaian, pemantauan, dan The following are the processes of risk identification,
pengendalian risiko yang dilakukan untuk setiap risiko: assessment, monitoring, and control for each risk:
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Types of Risk Cause Impact Mitigation Plan
Risiko Strategis Risiko akibat ketidaktepatan dalam Kegagalan dalam mengantisipasi Identifikasi risiko strategis dilakukan
Strategic Risk pengambilan dan/atau pelaksanaan perubahan lingkungan bisnis. terhadap kesesuaian strategi bisnis
suatu keputusan strategis. Failure to anticipate changes in the dengan kondisi lingkungan usaha,
Risks arising from inaccuracies in the business environment. pilihan strategi (strategi berisiko
formulation and/or execution of a tinggi dan strategi berisiko rendah),
strategic decision. posisi strategis Perusahaan di
industri, dan pencapaian realisasi
bisnis Perusahaan.
Strategic risk identification is
done to align business strategy
with the business environment,
strategic choices (high-risk and
low-risk strategies), the Company’s
strategic position in the industry,
and the Company’s business
performance realization.
Risiko Operasional Risiko akibat ketidakcukupan Kerugian potensial Perusahaan Identifikasi dan pengukuran risiko
Operational Risk dan/atau tidak berfungsinya baik dari segi financial maupun operasional dilakukan terhadap
proses internal, kesalahan opportunity untuk memperoleh kompleksitas organisasi dan
manusia, kegagalan sistem, keuntungan kehilangan kesempatan. kegiatan usaha, sumber daya
dan/atau adanya kejadian Potential losses to the Company manusia, sistem teknologi dan
eksternal yang memengaruhi in terms of both financial and informasi, risiko kecurangan (fraud),
operasional Perusahaan. opportunity costs. gangguan terhadap bisnis dan
Risks arising from inadequacies or organisasi, serta tingkat interaksi dan
malfunctioning of internal processes, ketergantungan Perusahaan.
human errors, system failures, and/ Identification and measurement
or external events impacting the of operational risks are done
Company’s operations. concerning organizational complexity
and business activities, human
capital, technology and information
systems, fraud risk, business and
organizational disruptions, as well
as the level of interaction and
dependency of the Company.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Types of Risk Cause Impact Mitigation Plan
Risiko Kredit Risiko akibat kegagalan pihak Kehilangan kesempatan Identifikasi dan pengukuran risiko
Credit Risk lain dalam memenuhi kewajiban Perusahaan untuk mendapat kredit dilakukan terhadap strategi
kepada Perusahaan. bunga, yang berakibat pada penyaluran pembiayaan, komposisi
Risks arising from the failure of other penurunan pendapatan. portofolio piutang pembiayaan
parties to fulfill their obligations to The missed opportunity for the dan tingkat konsentrasi, kualitas
the Company. Company to accrue interest, resulting piutang pembiayaan dan kecukupan
in a decline in revenue. pencadangan, dan faktor eksternal.
Identification and measurement of
credit risk are carried out in relation
to financing distribution strategies,
the composition of the financing
receivables portfolio and the level of
concentration, the quality of financing
receivables and the adequacy of
provisions, and external factors.
RIsiko Pasar Risiko akibat perubahan secara Perubahan posisi aset, liabilitas, Identifikasi dan pengukuran risiko
Market Risk keseluruhan dari kondisi pasar. ekuitas, dan/atau rekening pasar dilakukan terhadap strategi
Risks arising from overall changes in administratif termasuk transaksi dan kebijakan bisnis terkait dengan
market conditions. derivative Perusahaan. risiko pasar; volume dan komposisi
Changes in the position of portofolio aset yang terekspos risiko
assets, liabilities, equity, and/or pasar; serta volume dan komposisi
administrative accounts, including the portofolio liabilitas yang terekspos
Company's derivative transactions. risiko pasar.
Identification and measurement of
market risk are done in relation to
business strategies and policies
related to market risk; the volume
and composition of asset portfolios
exposed to market risk; and the
volume and composition of liability
portfolios exposed to market risk.
Risiko Likuiditas Risiko akibat ketidakmampuan Kerugian potensial Perusahaan Identifikasi dan pengukuran risiko
Liquidity Risk Perusahaan untuk memenuhi baik dari segi financial likuiditas dilakukan terhadap
liabilitas yang jatuh tempo dari maupun opportunity untuk komposisi aset dan liabilitas jangka
sumber pendanaan arus kas dan/atau memperoleh keuntungan. pendek termasuk transaksi rekening
dari aset likuid yang dapat dengan Potential losses to the Company administratif, pengelolaan arus
mudah dikonversi menjadi kas, tanpa in terms of both financial and kas, kerentanan pada kebutuhan
mengganggu aktivitas dan kondisi opportunity to earn profits. pendanaan, dan akses pada
keuangan Perusahaan. sumber pendanaan.
Risks due to the Company's inability Identification and measurement
to meet maturing liabilities from of liquidity risk are done on the
cash flow funding sources and/ composition of short-term assets and
or from liquid assets that can be liabilities, including administrative
easily converted into cash, without account transactions, cash flow
disrupting the Company's activities management, vulnerability to
and financial condition. funding needs, and access to
funding sources.
Risiko Hukum Risiko akibat tuntutan hukum dan/ Perusahaan dikenai sanksi Identifikasi dan pengukuran
Legal Risk atau kelemahan aspek hukum. administratif, baik denda, surat risiko hukum dilakukan terhadap
Risks arising from legal claims and/or peringatan, pemberhentian kegiatan ketiadaan atau perubahan peraturan
legal vulnerabilities. usaha, pembekuan usaha, hingga perundang-undangan, kelemahan
pencabutan usaha. dalam perikatan atau kerja sama, dan
The company is subject to proses penyelesaian sengketa.
administrative sanctions, including Identification and measurement of
fines, warning letters, suspension legal risks are carried out in relation
of business activities, freezing of to the absence or change of laws
business operations, and revocation and regulations, weaknesses in
of business licenses. agreements or cooperation, and
dispute resolution processes.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Types of Risk Cause Impact Mitigation Plan
Risiko Kepatuhan Risiko akibat Perusahaan Menurunnya reputasi atau citra Identifikasi dan pengukuran risiko
Compliance Risk tidak mematuhi dan/atau tidak Perusahaan di mata masyarakat kepatuhan dilakukan terhadap jenis
melaksanakan peraturan perundang- atau konsumen. dan signifikansi pelanggaran yang
undangan dan ketentuan. A decline in the Company's dilakukan, frekuensi pelanggaran
Risks arising from the Company’s reputation or image in the eyes of the (termasuk sanksi) atau track
non-compliance and/or failure to public or consumers. record kepatuhan Perusahaan dan
adhere to statutory regulations pelanggaran terhadap ketentuan
and provisions. peraturan perundang-undangan atau
standar bisnis yang berlaku umum,
dan tindak lanjut atas pelanggaran.
Identification and measurement of
compliance risk are performed in
relation to the type and significance
of violations committed, the
frequency of violations (including
sanctions) or the Company's
compliance track record and
violations of applicable laws and
regulations or generally accepted
business standards, and follow-up
on violations.
Risiko Reputasi Risiko akibat menurunnya tingkat Menimbulkan persepsi negatif dari Identifikasi dan pengukuran risiko
Reputation Risk kepercayaan pemangku kepentingan masyarakat dan konsumen terhadap dilakukan terhadap pengaruh
yang bersumber dari persepsi negatif bisnis Perusahaan. reputasi pengurus, pemilik, dan
terhadap Perusahaan. Causing negative perceptions from grup; pelanggaran etika bisnis;
Risks resulting from a decline in the public and consumers towards kompleksitas produk dan kerja sama
stakeholder confidence stemming the Company's business. bisnis; frekuensi, materialitas, dan
from negative perceptions of eksposur pemberitaan negatif; serta
the Company. frekuensi dan materialitas keluhan
debitur atau konsumen.
Risk identification and measurement
are conducted on the influence
of the reputation of management,
owners, and groups; business ethics
violations; product complexity and
business cooperation; frequency,
materiality, and exposure to negative
publicity; as well as the frequency
and materiality of debtor or
consumer complaints.
Risiko Transaksi Risiko akibat ketergantungan Pengaruh terhadap pemenuhan Pemantauan dan pengendalian
Intra-group suatu entitas baik secara langsung kewajiban perjanjian tertulis maupun risiko dilakukan dengan memperkuat
Intra-group maupun tidak langsung terhadap perjanjian tidak tertulis baik yang koordinasi antar intra-group dengan
Transaction Risk entitas lainnya dalam satu diikuti perpindahan dana dan/atau menginformasikan masingmasing
Konglomerasi Keuangan. tidak diikuti perpindahan dana. eksposure secara berkala sesuai
Risks arising from the direct Impact on the fulfillment of written dengan kondisinya dengan
or indirect dependence of an and/or unwritten agreements, mempertimbangkan antara lain
entity on other entities within a whether or not they involve the kondisi keuangan dan sumber
Financial Conglomerate. transfer of funds. daya manusia, sehingga dampak
negatif ataupun ketergantungan
yang disebabkan oleh transaksi ini
dapat diminimalisasi.
Risk monitoring and control are
done by strengthening intra-group
coordination by regularly informing
each other of their respective
exposures in accordance with their
conditions, taking into account
financial conditions and human
capital, so that the negative impact
or dependence caused by these
transactions can be minimized.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Mengidentifikasi dan Menilai
Risiko-Risiko Terkait Iklim
Identifying and Assessing Climate-Related Risks
Pada tahun 2025, FIFGROUP telah melakukan pemetaan In 2025, FIFGROUP conducted mapping and analysis of
dan analisis terhadap berbagai risiko yang berkaitan dengan various risks related to climate change, with reference to
perubahan iklim, dengan mengacu pada International Financial International Financial Reporting Standard (IFRS) S2 - Climate-
Reporting Standard (IFRS) S2 - Climate-related Disclosures. related Disclosures. This process was conducted as part of the
Proses ini dilakukan sebagai bagian dari upaya Perseroan Company’s efforts to strengthen business resilience to climate
untuk memperkuat ketahanan bisnis terhadap dampak iklim impacts and ensure readiness in facing future environmental
serta memastikan kesiapan dalam menghadapi tantangan challenges. Based on the results of this study, the Company
lingkungan di masa mendatang. Berdasarkan hasil kajian has formulated relevant mitigation and adaptation strategies to
tersebut, Perseroan telah merumuskan strategi mitigasi dan reduce the potential impacts. Details of the identified climate
adaptasi yang relevan untuk mengurangi potensi dampak risks is summarized in the following table:
yang ditimbulkan. Rincian mengenai risiko iklim yang telah
diidentifikasi dapat dilihat pada tabel berikut:
Risk Input dan/atau Risk Event Potensi Peluang Internal/Eksternal Driven
No IFRS S2
Risk Input and/or Risk Event Potential Opportunities Internal/External Driven
Risiko Operasional
Risiko Operasional
1.1 Fisik Akut 1. Meningkatnya angka kerusakan dan gangguan Memastikan karyawan Eksternal
Acute Physical operasional akibat cuaca dan suhu ekstrem. memahami prinsip-prinsip External
Increased damage and operational disruptions due dasar penanggulangan
to extreme weather and temperature. bencana.
Ensuring employees
understand basic disaster
management principles.
Bangunan yang tahan Eksternal
dampak lingkungan. External
Environmentally resilient
buildings.
1.2 Fisik Akut dan 2. Meningkatnya masalah kesehatan dan keselamatan Mengembangkan budaya K3 Internal
Kronis karyawan akibat perubahan cuaca ekstrim. ke karyawan. Internal
Acute and Increased employee health and safety issues due to Developing an occupational
Chronic extreme weather changes. health and safety (OHS)
Physical culture among employees.
1.3 Fisik Akut 3. Meningkatnya premi asuransi atas aset yang Menjaga lingkungan sekitar. Internal
Acute Physical potensial untuk terdampak. Protecting the surrounding Internal
Increased insurance premiums for assets at potential environment.
risk.
1.4 Fisik Akut 4. Meningkatnya pemutusan atau penundaan Kegiatan usaha perusahaan Eksternal
Acute Physical pembayaran dari pelanggan yang terkena dampak lebih resilient dengan External
ekonomi akibat banjir atau gelombang panas. mengintegrasikan aspek
Increased delays or defaults on payments from ESG.
customers affected by economic impacts of floods or Enhancing business
heatwaves. resilience by integrating
ESG aspects.
1.5 Fisik Kronis 5. Meningkatnya kebutuhan energi untuk pendinginan. Efisiensi Biaya. Internal
Chronic Physical Increased energy demand for cooling. Cost efficiency. Internal
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Risk Input dan/atau Risk Event Potensi Peluang Internal/Eksternal Driven
No IFRS S2
Risk Input and/or Risk Event Potential Opportunities Internal/External Driven
1.6 Fisik Kronis 6. Meningkatnya kerusakan infrastruktur yang terletak Bangunan yang tahan Eksternal
Chronic Physical di dekat pantai atau daerah rawan banjir akibat dampak lingkungan. External
kenaikan permukaan air laut. Environmentally resilient
Increased infrastructure damage in coastal or flood- buildings.
prone areas due to rising sea levels.
1.7 Transisi 7. Meningkatnya biaya administratif dan operasional Perusahaan terlibat dalam Internal
(Kebijakan dan untuk memastikan kepatuhan perusahaan leasing pilot project. Internal
Hukum) terhadap regulasi dan standar yang berubah secara Company participation in
Transition dinamis untuk mendorong net-zero emissions. pilot projects.
(Policy and Increased administrative and operational costs
Legal) to ensure leasing company compliance with
dynamically changing regulations and standards for
net-zero emissions.
Risiko Pasar
Market Risk
2.1 Transisi 1. Penurunan daya saing di pasar jika biaya karbon Diversifikasi jenis. Eksternal
(Kebijakan dan dikenakan membuat harga kendaraan lebih tinggi kendaraan yang dibiayai External
Hukum) dibandingkan dengan pesaing yang tidak terkena Diversifying the types of
Transition dampak serupa/skema carbon tax. financed vehicles.
(Policy and Decreased market competitiveness if carbon costs
Legal) are imposed, making vehicle prices higher than
those of competitors unaffected by similar carbon tax
schemes.
2.2 Transisi 2. Penurunan permintaan untuk kendaraan dengan Meningkatkan pendapatan Eksternal
(Kebijakan dan emisi karbon tinggi. di segmen kendaraan External
Hukum) Decreased demand for high-carbon-emission listrik.
Transition vehicles. Increasing revenue in the
(Policy and electric vehicle segment.
Legal)
Risiko Reputasi
Risiko Reputasi
3.1 Transisi 1. Meningkatnya tekanan dari pemangku kepentingan 1. Meningkatkan reputasi Eksternal
(Kebijakan dan untuk mengurangi jejak karbon perusahaan. perusahaan. External
Hukum) Increased pressure from stakeholders to reduce the 2. Mendapatkan
Transition Company’s carbon footprint penghargaan.
(Policy and 1. Enhancing the
Legal) Company’s reputation.
2. Gaining awards.
3.2 Transisi 2. Menurunnya reputasi jika perusahaan tidak Menunjukan kepatuhan dan Eksternal
(Reputasi) melakukan inisiatif terkait perubahan iklim atau dukungan pada rencana External
Transition dianggap melakukan greenwashing. pengurangan emisi
(Reputation) Declining reputation if the Company fails to berdasarkan kontribusi
take climate change initiatives or is accused of yang ditetapkan secara
greenwashing. nasional (NDC).
Demonstrating compliance
and support for emission
reduction plans based on
Nationally Determined
Contributions (NDC).
3.3 Transisi 3. Kesulitan akses modal apabila perusahaan tidak Mendapatkan pembiayaan/ Eksternal
(Reputasi) memperhatikan isu perubahan iklim. Investasi berbasis ESG. External
Transition Difficulty in accessing capital if the Company does Securing ESG-based
(Reputation) not consider climate change issues. financing/investment.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Tantangan dan Permasalahan
Penerapan Keuangan Berkelanjutan [OJK E.5]
Challenges and Issues in The Implementation of Sustainable Finance
Kegiatan usaha Perseroan dihadapkan pada beragam dinamika, The Company’s business activities encounter various dynamics,
termasuk dalam implementasi keuangan berkelanjutan. including in the implementation of sustainable finance. These
Berbagai tantangan tersebut muncul baik dari aspek operasional challenges arise from both internal operational aspects and
internal maupun faktor eksternal yang berada di luar kendali external factors beyond the Company’s control. The following
Perseroan. Adapun beberapa tantangan dan isu utama yang are some of the main challenges and issues that need to
perlu menjadi perhatian adalah sebagai berikut: be addressed:
Tantangan dan Permasalahan Upaya yang Dilakukan
Challenges and Issues Efforts Made
Permintaan pasar terhadap produk berbasis • Melakukan penyempurnaan fitur, skema, dan nilai tambah produk agar lebih sesuai
keberlanjutan masih terbatas dengan kecenderungan pasar
Market demand for sustainability-based • Melakukan edukasi pasar melalui kampanye literasi keuangan berkelanjutan kepada
products is still limited konsumen dan mitra bisnis
• Refine product features, schemes, and added value to better suit market trends
• Educate the market through sustainable finance literacy campaigns for consumers
and business partners
Dinamika ekspektasi pasar terhadap aspek • Memperkuat kolaborasi strategis dengan mitra, termasuk dalam ekosistem Grup
LST yang berubah dengan cepat Astra
The dynamics of market expectations • Memantau tren dan standar internasional (GRI, IFRS S2, ACGS) untuk menyelaraskan
regarding LST aspects are changing rapidly langkah Perseroan
• Strengthen strategic collaboration with partners, including within the Astra Group
ecosystem
• Monitor international trends and standards (GRI, IFRS S2, ACGS) to align the
Company's actions
Perubahan regulasi dari pemerintah dan otoritas • Melakukan pembaruan berkala pada sistem manajemen risiko berbasis regulasi
yang berpotensi memengaruhi kebijakan internal terbaru
Regulatory changes from the government and • Conduct periodic updates to the risk management system based on the latest
authorities that could potentially affect internal regulations
policies
Tantangan dalam mengimplementasikan • Mengembangkan manajemen risiko yang mempertimbangkan risiko transisi dan fisik
pembiayaan yang mendukung transisi menuju terkait iklim
ekonomi rendah karbon • Memperluas portofolio pembiayaan yang mendukung aktivitas dengan emisi rendah
Challenges in implementing financing that atau nol karbon
supports the transition to a low-carbon • Develop risk management that considers transition and physical risks related to
economy climate
• Expand the financing portfolio that supports activities with low or zero carbon
emissions
Kapasitas Sumber Daya Manusia (SDM) terkait • Melakukan benchmarking terhadap pengembangan produk dan kebijakan keuangan
pemahaman keuangan berkelanjutan masih berkelanjutan dari industri sejenis
perlu ditingkatkan • Menyelenggarakan pelatihan eksternal dan sertifikasi terkait keuangan berkelanjutan
Human Capital capacity related to • Menggelar kampanye internal melalui poster, video, dan webinar yang melibatkan
understanding sustainable finance still needs seluruh karyawan dan manajemen
to be improved. • Conduct benchmarking on product development and sustainable finance policies of
similar industries
• Organize external training and certification related to sustainable finance
• Launch internal campaigns through posters, videos, and webinars involving all
employees and management
Rendahnya literasi keberlanjutan di tingkat • Menyelenggarakan kegiatan literasi dan edukasi keberlanjutan bagi mitra dealer atau
konsumen dan mitra toko
Low sustainability literacy among consumers • Integrasi pesan keberlanjutan dalam aktivitas pemasaran dan komunikasi public
and partners • Conduct sustainability literacy and education activities for dealer or store partners
• Integrate sustainability messages into marketing and public communication activities
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Etika Bisnis [GRI 3-3]
Business Ethics
FIFGROUP menempatkan etika bisnis sebagai landasan dalam FIFGROUP considers business ethics as the foundation for
menciptakan pertumbuhan yang berkelanjutan. Praktik bisnis creating sustainable growth. Unethical business practices such
yang tidak etis seperti penyuapan, gratifikasi illegal, pembayaran as bribery, illegal gratification, kickbacks, extortion, conflicts of
komisi pada penerima suap, pemerasan, benturan kepentingan interest, and payment facilitating can have a negative impact
dan pembayaran fasilitas yang dapat menimbulkan dampak on services, reputation, and stakeholder rights. At the same
negatif terhadap layanan, reputasi, dan hak-hak pemangku time, strong integrity provides positive values in the form of
kepentingan; sedangkan integritas yang kuat memberikan nilai increased trust, a safe working environment, and healthier
positif berupa meningkatnya kepercayaan, lingkungan kerja business relationships.
yang aman, serta hubungan bisnis yang lebih sehat.
Untuk menjaga integritas, Perseroan menerapkan Kode Etik, To maintain integrity, the Company implements a Code
Kebijakan antikorupsi dan anti-penyuapan yang mengacu pada of Conduct, Anti-Corruption and Anti-Bribery Policy that
POJK No. 48 Tahun 2024, Undang-Undang No. 20 Tahun 2001 refers to POJK No. 48 of 2024, Law No. 20 of 2001 and
serta ISO 37001 Sistem Manajemen Anti Penyuapan (SMAP). ISO 37001 Anti-Bribery Management System (SMAP). This
Kebijakan ini menjadi pedoman bagi seluruh karyawan dan policy serves as a guideline for all employees and business
mitra bisnis dalam menjalankan kegiatan usaha dan memastikan partners in conducting business activities and ensuring
tidak ada keterlibatan Perseroan dalam dampak negatif, baik that the Company is not involved in any negative impacts,
melalui aktivitas internal maupun hubungan bisnis. either through internal activities or business relationships.
Prinsip SAY YES TO 6 DON’TS memperkuat komitmen ini The SAY YES TO 6 DON’TS principle reinforces this commitment
melalui larangan terhadap pemerasan, kickbacks, penyuapan, by prohibiting extortion, kickbacks, bribery, conflicts of interest,
benturan kepentingan, gratifikasi ilegal, dan payment facilitating. illegal gratification, and payment facilitating.
Say Yes To 6 don’ts
(Pembayaran (Benturan (Gratifikasi (Pembayaran
(Pemerasan) Komisi pada (Penyuapan) Kepentingan) Ilegal) Fasilitas)
(Extortion) penerima suap) (Bribery) (Conflict (Illegal (Payment
(Kickbacks) of Interest Gratification) Facilitating)
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Untuk mengelola risiko, FIFGROUP telah melakukan To manage risk, FIFGROUP has identified potential fraud
identifikasi kerawanan potensi fraud pada seluruh kegiatan vulnerabilities in all business activities, strengthened internal
usaha, memperkuat pengendalian internal, serta melakukan controls, and conducted due diligence on business partners.
due diligence terhadap mitra usaha. Sepanjang tahun 2025, Throughout 2025, the Company's ethical policies and
kebijakan dan prosedur etika Perseroan telah disosialisasikan procedures were disseminated and trained to all employees
dan dilatihkan kepada seluruh karyawan melalui 22 (dua puluh through 22 (twenty-two) training sessions, as well as
dua) sesi pelatihan, sekaligus dikomunikasikan kepada seluruh communicated to all members of the governance body and
anggota organ tata kelola dan mitra usaha. [GRI 205-2] business partners. [GRI 205-2]
Sebagai bagian dari mekanisme komunikasi dan pencegahan, As part of its communication and prevention mechanisms,
Perseroan menyediakan Whistleblowing System (FIFTrust) the Company provides a Whistleblowing System (FIFTrust) as
sebagai sarana untuk melaporkan dugaan pelanggaran. a means to report suspected violations. This mechanism can
Mekanisme ini dapat diakses melalui: be accessed via:
WhatsApp: 0811 1098 696, WhatsApp: 0811 1098 696,
Email: Pengaduan@fiftrust.id, Email: Pengaduan@fiftrust.id,
Microsoft Form: https://bit.ly/pengaduanfiftrust Microsoft Form: https://bit.ly/pengaduanfiftrust
Pada tahun 2025, Perseroan menerima 4 laporan pengaduan In 2025, the Company received 4 complaints through the WBS,
melalui WBS, dan seluruhnya (100%) telah ditindaklanjuti sesuai and all (100%) were followed up in accordance with applicable
ketentuan yang berlaku. [GRI 2-16, 2-26] [ACGS C.5.1] regulations. [GRI 2-16, 2-26] [ACGS C.5.1]
Perseroan menjamin kerahasiaan identitas serta data diri The Company guarantees the confidentiality of the identity and
Pelapor dan memberikan perlindungan hukum sepenuhnya personal data of the Reporter and provides full legal protection.
Berdasarkan Kebijakan Internal Perusahaan tentang Based on the Company’s Internal Policy on Confidentiality and
Kerahasiaan dan Perlindungan Pelapor Whistleblowing System Protection of Whistleblowing System (WBS) Whistleblowers,
(WBS), Perseroan berkomitmen untuk memberikan perlindungan the Company is committed to providing full protection to
penuh kepada Pelapor maupun keluarga Pelapor di antaranya: Whistleblowers and their families, including:
1. Perlindungan Fisik yang meliputi ancaman fisik dan non fisik, 1. Physical Protection, which includes physical and non-
pelecehan serta perbuatan tidak menyenangkan lainnya; physical threats, harassment, and other unpleasant acts;
2. Perlindungan Administratif yang meliputi mutasi dengan 2. Administrative Protection, including transfers to the nearest
pertimbangan area/cabang terdekat; area/branch;
3. Perlindungan Hukum yang meliputi proses hukum di 3. Legal protection, including legal proceedings in the District
Pengadilan Negeri serta biayanya; Court and related costs;
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Selain memastikan perlindungan penuh dari berbagai potensi In addition to ensuring full protection from various potential
tindakan yang dapat membahayakan atau merugikan di actions that could be harmful or detrimental in the future,
kemudian hari, pihak Pelapor juga berhak memperoleh informasi whistleblowers are also entitled to receive information on the
atas perkembangan laporan serta menyampaikan aduan apabila progress of their reports and to submit complaints if they face
menghadapi tekanan atau ancaman. Perlindungan ini diberikan pressure or threats. This protection is provided as long as the
sepanjang Pelapor tidak terlibat dalam tindakan pelanggaran whistleblower is not involved in the violation they reported.
yang dilaporkannya. [ACGS C.7.1-C.7.2] [ACGS C.7.1-C.7.2]
Efektivitas implementasi etika bisnis dipantau melalui audit The effectiveness of business ethics implementation is
kepatuhan, evaluasi tindak lanjut pelaporan, dan monitoring monitored through compliance audits, follow-up evaluation
pengendalian internal. Hasil evaluasi digunakan untuk of reports, and internal control monitoring. The results of the
memperbarui kebijakan, meningkatkan desain sistem, serta evaluation are used to update policies, improve system design,
memperkuat edukasi karyawan dan mitra usaha. Melalui and strengthen employee and business partner education.
pendekatan ini, FIFGROUP memastikan bahwa etika bisnis tidak Through this approach, FIFGROUP acknowledges that business
hanya menjadi kebijakan, tetapi juga budaya yang membentuk ethics are not only a policy, but also a culture that shapes
perilaku dan keputusan di seluruh organisasi. behavior and decisions throughout the organization.
Jumlah Kasus
Status Pengaduan
Number of Cases
Complaint Status
2025 2024 2023
Selesai 4 12 8
Resolved
Telah melalui proses hukum 0 0 0
Have undergone legal process
Dalam proses 0 0 0
On process
Belum selesai 0 0 0
Unresolved
Jumlah Fraud 4 12 8
Total Fraud
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Pelibatan Pemangku
Kepentingan [OJK E.5] [GRI 2-29]
Stakeholder Engagement
Kerangka tata kelola FIFGROUP memastikan adanya ruang FIFGROUP's governance framework ensures that there is
dialog dengan pemangku kepentingan internal dan eksternal room for dialogue with internal and external stakeholders to
untuk bertukar pandangan mengenai isu-isu keberlanjutan exchange views on material sustainability issues. Input from
yang material. Masukan dari pemangku kepentingan ini menjadi these stakeholders forms the basis for the formulation of
dasar dalam penyusunan strategi, kebijakan, serta penguatan strategies, policies, and the strengthening of the Company's
kinerja keberlanjutan Perseroan. [ACGS C.2.1, C.2.2] sustainability performance. [ACGS C.2.1, C.2.2]
FIFGROUP memetakan pemangku kepentingannya dengan FIFGROUP maps its stakeholders by considering their level of
mempertimbangkan tingkat kepentingan dan pengaruh masing- interest and influence on the Company's business activities.
masing terhadap kegiatan usaha Perseroan. Berdasarkan Based on this mapping, FIFGROUP consistently strengthens
pemetaan tersebut, FIFGROUP secara konsisten memperkuat its engagement approach through various communication
pendekatan pelibatan melalui berbagai metode komunikasi and interaction methods tailored to the characteristics of each
dan interaksi yang disesuaikan dengan karakteristik setiap stakeholder group as follows:
kelompok pemangku kepentingan sebagai berikut:
Mitra|Partners
1. Pemasok|Suppliers
Media Massa 2. Penyalur|Distributors
Mass Media 3. Prinsipal|Principal
Masyarakat Pesaing
Society Competitor
Perseroan
Company
Penyelenggara Negara Calon Investor
State Official Potential Investor
Perusahaan Afiliasi Pemegang Saham
Affiliated Company Shareholders
Pelanggan Karyawan
Customer Employee
Metode Pelibatan Frekuensi Pertemuan Topik
Engagement Methods Meeting Frequency Topics
Pemegang Saham
Shareholders
• Rapat Umum Pemegang Saham • Minimal satu kali per tahun • Pemantauan dan evaluasi kinerja Perusahaan
(RUPS) • Minimal tiga kali setahun • Pembayaran deviden
• Corporate Review • Minimal satu kali per tahun • Akurasi Laporan Keuangan Perusahaan
• Management Walkthrough • At least once a year • Kinerja Keberlanjutan
• General Meeting of Shareholders • At least three times a year • Monitoring and evaluation of Company
(GMS) • At least once a year performance
• Corporate Review • Dividend payments
• Management Walkthrough • Accuracy of Company Financial Reports
• Sustainability performance
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Metode Pelibatan Frekuensi Pertemuan Topik
Engagement Methods Meeting Frequency Topics
Regulator
Regulators
• Rapat Koordinasi • Sesuai Kebutuhan • Perkembangan aspek regulasi dalam sektor
• Kegiatan Sosialisasi • Sesuai Kebutuhan pembiayaan di Indonesia
• Penyampaian RAKB kepada OJK • Minimal satu kali per tahun • Kepatuhan kepada peraturan dan
• Pelaporan lainnya sesuai dengan • Sesuai Kebutuhan perundangundangan
ketentuan yang berlaku kepada • As Needed • Keuangan Berkelanjutan
regulator • As needed • Regulatory developments in Indonesia's financing
• Coordination Meetings • At least once a year sector
• Dissemination Activities • As needed • Compliance with regulations and legislation
• Submission of RAKB to OJK • Sustainable finance
• Other reporting in accordance with
applicable regulations to regulator
Karyawan
Employees
• Pembentukan Ikatan Karyawan • Sesuai Kebutuhan • Informasi hak-hak normatif
FIFGROUP (IKAFIF) • As Needed • Penyelesaian keluh kesah karyawan
• Pertemuan dengan manajemen • Jaminan peningkatan happiness index karyawan
• Management walk through • Information on normative rights
• Establishment of the FIFGROUP • Resolution of employee complaints
Employee Association (IKAFIF) • Guarantee of increased employee happiness
• Meetings with management index
• Management walk through
Pelanggan
Customers
• Pertemuan dengan Pelanggan • Minimal satu kali per tahun • Sosialisasi program dan kegiatan marketing
• Survei Kepuasan Pelanggan • Minimal satu kali per tahun • Pengukuran kepuasan pelanggan atas layanan
• Layanan Pembiayaan • Sesuai kebutuhan pelanggan dan Perseroan
• Meetings with Customers ketentuan Perseroan • Layanan pembiayaan sesuai kebutuhan
• Customer Satisfaction Surveys • At least once a year pelanggan dan ketentuan Perseroan
• Financing Services • At least once a year • Program and marketing activity dissemination
• As needed by customers and • Measuring customer satisfaction with the
Company’s regulation Company's services
• Financing services according to customer needs
and Company regulations
Mitra Kerja
Business partners
• Pelaksanaan proses procurement • Sesuai kebutuhan mitra kerja dan • Perolehan kontrak dan pembayaran tepat waktu
• Pertemuan dengan mitra kerja ketentuan Perseroan • Kerjasama yang baik dan berkelanjutan
• Implementation of the procurement • As needed by customers and • Contract acquisition and timely payments
process Company’s regulation • Good and sustainable cooperation
• Meetings with business partners
Masyarakat
Society
• Pelaksanaan program Tanggung • Sesuai kebutuhan • Program TJSL yang direncanakan dan
Jawab Sosial & Lingkungan (TJSL) • As needed dilaksanakan
• Implementation of Social & • Pelaksanaan Program Jam Sosial Mengajar untuk
Environmental Responsibility (TJSL) literasi dan inklusi keuangan
programs • Penyediaan kesempatan kerja sesuai kebutuhan
• Planned and implemented TJSL programs
• Implementation of the Social Teaching Program
for financial literacy and inclusion
• Provision of employment opportunities as
needed
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Tentang Kami About Us
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
06
Sustainability Governance Sustainability Performance
Kinerja
Keberlanjutan
Sustainability Performance
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Pertumbuhan Pembiayaan Berkelanjutan
Growth of Sustainable Financing
Pertumbuhan pembiayaan berkelanjutan
di tahun 2025 bukan sekadar indikator
bisnis, tetapi cerita tentang bagaimana
FIFGROUP menjangkau lebih banyak
keluarga, pelaku usaha, dan masyarakat
di seluruh Indonesia. Melalui inovasi,
teknologi, dan komitmen pada
keberlanjutan, Perseroan terus membuka
peluang baru yang membawa dampak
positif jangka panjang. Inilah langkah
kami dalam memastikan pertumbuhan
yang memberi manfaat bagi semua.”
“Sustainable financing growth in 2025 is not
just a business indicator, but a story of how
FIFGROUP reaches more families, businesses,
and communities throughout Indonesia. Through
innovation, technology, and a commitment to
sustainability, the Company continues to unlock
new opportunities that bring long-term positive
impacts. These are our steps in ensuring growth
that benefits everyone.”
Tahun 2025 menjadi babak penting bagi FIFGROUP dalam The year 2025 is an important milestone for FIFGROUP in
mempertegas langkahnya menuju pembiayaan berkelanjutan. reinforcing its steps towards sustainable financing. Amidst
Di tengah dinamika ekonomi global, Perseroan berhasil global economic dynamics, the Company managed to
menjaga momentum pertumbuhan dengan mencatatkan maintain its growth momentum by recording a total financing
total pembiayaan sebesar Rp49.454.268 juta, meningkat of Rp49,454,268 million, an increase of 7.64% compared to the
7,64% dibandingkan tahun sebelumnya. Laba bersih previous year. Net income reached Rp4,632,629 million, an
mencapai Rp4.632.629 juta, tumbuh 4,69% (yoy), didukung increase of 4.69% (yoy), supported by improved efficiency and
oleh peningkatan efisiensi dan strategi bisnis yang adaptif. adaptive business strategies. From an operational perspective,
Dari sisi operasional, jumlah pemesanan (booking unit) juga the booking unit also recorded positive growth of 3,385,714
mencatatkan pertumbuhan positif sebanyak 3.385.714 unit, units, or 4.85% increase compared to 2024, an achievement
atau naik 4,85% dibandingkan tahun 2024, sebuah capaian that reflects the Company's competitiveness and resilience
yang mencerminkan daya saing dan ketahanan Perseroan di amid market changes .
tengah perubahan pasar.
Pertumbuhan tersebut tak lepas dari diversifikasi portofolio This growth is inseparable from the diversification of the
pembiayaan yang menjadi tulang punggung bisnis FIFGROUP. financing portfolio, which is the backbone of FIFGROUP's
Melalui lima lini utama yaitu FIFASTRA (Fasilitas Pembiayaan business. Through its five main lines, namely FIFASTRA (Honda
Sepeda Motor Honda), SPEKTRA (Fasilitas Pembiayaan Motorcycle Financing Facility), SPEKTRA (Consumer Financing
Konsumtif), DANASTRA (Fasilitas Pembiayaan Multiguna), Facility), DANASTRA (Multi-purpose Financing Facility), FINATRA
FINATRA (Fasilitas Pembiayaan Mikro Produktif), AMITRA (Micro Productive Financing Facility), AMITRA (Sharia Financing
(Fasilitas Pembiayaan Syariah), FIFGROUP menjangkau Facility), FIFGROUP reaches various segments of society. These
beragam segmen masyarakat. Kelima lini ini bukan hanya five lines not only support business growth but also provide
menopang pertumbuhan bisnis, tetapi juga menghadirkan inclusive financing solutions, bridging the consumptive and
solusi pembiayaan yang inklusif, menjembatani kebutuhan productive needs of communities throughout Indonesia.
konsumtif sekaligus produktif masyarakat di seluruh Indonesia.
Selaras dengan semangat keberlanjutan, FIFGROUP In line with the spirit of sustainability, FIFGROUP strengthens
memperkuat transformasi digital untuk menghadirkan layanan its digital transformation to provide more efficient, faster, and
yang lebih efisien, cepat, dan ramah lingkungan. Melalui environmentally friendly services. Through the development
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pengembangan ekosistem digital pembiayaan, termasuk of a digital financing ecosystem, including applications based
aplikasi berbasis teknologi dan proses tanpa kertas (paperless on technology and paperless processes, the Company is
process), Perseroan mampu memperluas jangkauan ke segmen able to expand its reach to the micro, small, and medium
usaha mikro, kecil, dan menengah (UMKM) yang menjadi motor enterprise (MSME) segment, which is the driving force of the
penggerak ekonomi nasional. national economy.
Lebih dari sekadar bisnis, strategi pembiayaan FIFGROUP More than just a business, FIFGROUP's financing strategy
berakar pada nilai kemanusiaan dan keberlanjutan. Melalui is rooted in humanity and sustainability. Through innovative
program promosi yang inovatif, pendekatan customer-centric, promotional programs, a customer-centric approach, and
serta kolaborasi dengan berbagai mitra strategis di ekosistem collaboration with various strategic partners in the Astra Group
Grup Astra, FIFGROUP memperkuat posisinya sebagai mitra ecosystem, FIFGROUP has strengthened its position as a trusted
pembiayaan terpercaya bagi jutaan pelanggan di Indonesia. financing partner for millions of customers in Indonesia.
Dengan langkah yang terukur dan visi yang berkelanjutan, With measured steps and a sustainable vision, FIFGROUP not
FIFGROUP tidak hanya mencatatkan pertumbuhan finansial, only records financial growth but also makes a tangible impact
tetapi juga memberikan dampak nyata bagi masyarakat dan on society and the environment, contributing to the realization
lingkungan, berkontribusi pada terwujudnya ekonomi nasional of an inclusive and green competitive national economy.
yang inklusif dan berdaya saing hijau.
Perbandingan Target Kinerja Ekonomi dan Comparison of Economic Performance Targets
Realisasi [OJK F.2] and Realizations [OJK F.2]
2025 2024 2023
Uraian Satuan
Description Unit Target Realisasi Target Realisasi Target Realisasi
Target Realization Target Realization Target Realization
Pendapatan Rp juta 12.521.744 13.514.572 11.302.260 12.153.904 9.456.283 10.416.484
Income Rp million
Laba Bersih Rp juta 4.562.729 4.632.629 4.309.009 4.415.534 3.278.935 4.107.391
Net Income Rp million
Nilai Ekonomi Langsung yang Dihasilkan dan Direct Economic Value Generated and
Didistribusikan [GRI 201-1] Distributed [GRI 201-1]
Disajikan dalam jutaan Rupiah
Presented in millions of Rupiah
Uraian
2025 2024 2023
Description
Nilai Ekonomi Dihasilkan
Economic Value Generated
Pendapatan Bunga 13.492.705 12.130.636 10.399.842
Interest Income
Pendapatan Operasional Lainnya 21.867 23.268 16.642
Other Operating Income
Total Pendapatan 13.514.572 12.153.904 10.416.484
Total Income
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Disajikan dalam jutaan Rupiah
Presented in millions of Rupiah
Uraian
2025 2024 2023
Description
Nilai Ekonomi Didistribusikan
Distributed Economic Value
Biaya Operasional 898.463 823.791 714.358
Operating Costs
Gaji Karyawan dan Tunjangan 1.815.209 1.614.192 1.343.819
Employee Salaries and Benefits
Pembayaran kepada Penyandang Dana 4.717.428 5.610.070 5.547.655
Payments to Funders
Pembayaran kepada Pemerintah 1.657.217 1.414.406 1.315.097
Payments to the Government
Investasi untuk Komunitas (TJSL) 23.388 20.737 15.726
Investment for the Community (CSR)
Total Distribusi Nilai Ekonomi 10.004.347 9.483.196 8.936.655
Total Economic Value Distributed
Nilai Ekonomi Ditahan
(Jumlah Nilai Ekonomi Dihasilkan – Jumlah Nilai Ekonomi Didistribusikan)
Economic Value Retained (Total Economic Value Generated – Total Economic Distributed)
Jumlah Ekonomi Nilai Ditahan 3.510.225 2.670.708 1.479.829
Total Economic Value Retained
Perbandingan Target dan Kinerja Portofolio, Comparison of Targets and Performance of
Target Pembiayaan, atau Investasi pada Portfolios, Financing Targets, or Investments
Instrumen Keuangan atau Proyek yang Sejalan in Financial Instruments or Projects in Line with
Sustainable Finance [OJK F.3]
dengan Keuangan Berkelanjutan [OJK F.3]
FIFGROUP terus memperluas perannya dalam keuangan FIFGROUP continues to expand its role in sustainable finance
berkelanjutan dengan memastikan bahwa setiap langkah bisnis by ensuring that every business step not only drives growth but
tidak hanya mendorong pertumbuhan, tetapi juga membawa also brings benefits to society and the environment. Through
manfaat bagi masyarakat dan lingkungan. Melalui pengelolaan integrated financing portfolio management, including Credit or
portofolio pembiayaan yang terintegrasi, termasuk Kredit atau Financing that Supports Sustainable Business Activities (KKUB)
Pembiayaan yang Mendukung Kegiatan Usaha Berkelanjutan and the implementation of the Sustainable Finance Action Plan
(KKUB) dan implementasi Rencana Aksi Keuangan Berkelanjutan (RAKB), the Company is building a more mature framework to
(RAKB), Perseroan membangun kerangka kerja yang lebih provide responsible and impactful financing.
matang untuk menghadirkan pembiayaan yang bertanggung
jawab dan berdampak.
Untuk memastikan produk keuangan berkelanjutan dirancang To confirm that sustainable financial products are designed
dengan tepat, FIFGROUP mengembangkan proses yang appropriately, FIFGROUP has developed a comprehensive
komprehensif, mulai dari feasibility study, penyusunan process, starting from feasibility studies, blueprint preparation,
blueprint, perancangan produk, hingga menetapkan rencana product design, to establishing sales plans and operational
penjualan dan SOP operasional. Tahapan ini memastikan SOPs. These stages assure every KKUB initiative is not only
setiap inisiatif KKUB tidak hanya relevan dengan kebutuhan relevant to market needs but also in line with the Company's
pasar, tetapi juga selaras dengan strategi keberlanjutan jangka long-term sustainability strategy.
panjang Perseroan.
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Sepanjang 2025, pembiayaan berkelanjutan FIFGROUP Throughout 2025, FIFGROUP's sustainable financing showed
menunjukkan fokus yang kuat pada pemberdayaan sektor a strong focus on empowering the MSME sector as the
UMKM sebagai kategori terbesar dalam portofolio KKUB, largest category in the KKUB portfolio, with total financing
dengan total pembiayaan mencapai Rp717,207 juta. Langkah reaching Rp717,207 million. This step reaffirms the Company's
ini menegaskan komitmen Perseroan dalam memperluas akses commitment to expanding financial access, strengthening
keuangan, memperkuat ketahanan usaha kecil dan menengah, the resilience of small and medium-sized businesses, and
serta mendukung pertumbuhan ekonomi yang lebih inklusif. supporting more inclusive economic growth.
Dedikasi FIFGROUP dalam membangun ekosistem pembiayaan FIFGROUP's dedication to building a sustainable financing
berkelanjutan mendapat pengakuan internasional. Pada tahun ecosystem has received international recognition. In 2025,
2025, The Asset Triple A Awards menobatkan FIFGROUP The Asset Triple A Awards named FIFGROUP as the Best
sebagai Best Sustainability Loan Indonesia, sebuah Sustainability Loan Indonesia, an achievement that reflects
pencapaian yang mencerminkan keseriusan Perseroan dalam the Company's seriousness in integrating sustainability into
mengintegrasikan keberlanjutan ke dalam bisnis inti. Bekerja its core business. In collaboration with Mizuho Bank Ltd,
sama bersama Mizuho Bank Ltd, MUFG, dan SMBC, FIFGROUP MUFG, and SMBC, FIFGROUP manages a US$60 million
mengelola US$60 juta Sustainability Loan. Pembiayaan ini Sustainability Loan. This financing supports environmentally
mendukung proyek-proyek ramah lingkungan seperti motor friendly projects such as electric motorcycles, electric bicycles,
listrik, sepeda listrik, dan panel surya, serta proyek sosial melalui and solar panels, as well as social projects through MSME
pembiayaan UMKM (FINATRA), pembiayaan sepeda motor financing (FINATRA), motorcycle financing for 3U (unbanked,
untuk perempuan 3U (unbanked, underserved, uneducated), underserved, uneducated) women, and SPEKTRA multiproduct
serta pembiayaan multiproduk SPEKTRA untuk perempuan 3U financing for 3U women and people with disabilities .
dan penyandang disabilitas .
Pada September 2025, FIFGROUP kembali menerbitkan In September 2025, FIFGROUP issued another sustainability
sustainability loan senilai US$50 juta bekerja sama dengan loan worth US$50 million in collaboration with Oversea-Chinese
Oversea-Chinese Banking Corporation Limited Banking Corporation Limited.
Inisiatif ini tidak hanya memperkuat kontribusi FIFGROUP This initiative not only strengthens FIFGROUP's contribution to
terhadap pengurangan emisi dan pemberdayaan sosial, emission reduction and social empowerment, but also aligns
tetapi juga sejalan dengan Sustainable Finance Roadmap with the OJK's Sustainable Finance Roadmap, Sustainable
OJK, Taksonomi Keuangan Berkelanjutan, Tujuan Finance Taxonomy, Sustainable Development Goals (SDGs)
Pembangunan Berkelanjutan (SDGs) 13, serta Astra 2030 13, and Astra 2030 Sustainability Aspirations.
Sustainability Aspirations.
Hingga akhir tahun 2025, FIFGROUP belum menetapkan Until the end of 2025, FIFGROUP has not set annual quantitative
target kuantitatif tahunan terkait portofolio kegiatan usaha targets related to its sustainable business portfolio, as its focus
berkelanjutan, seiring fokus yang masih diarahkan pada remains on developing a green and social business foundation.
pengembangan fondasi bisnis hijau dan sosial. Portofolio The Company's KKUB portfolio is still largely concentrated on
KKUB Perseroan sebagian besar masih terkonsentrasi pada environmentally friendly transportation financing and MSME
pembiayaan transportasi ramah lingkungan dan pemberdayaan empowerment. Going forward, the Company will continue
UMKM. Ke depan, Perseroan akan terus memperluas cakupan to gradually expand the scope of its sustainability portfolio,
portofolio keberlanjutan secara bertahap, memastikan bahwa ensuring that every development step not only supports
setiap langkah pembangunan tidak hanya mendukung business growth but also brings broader benefits to society
pertumbuhan usaha tetapi juga membawa manfaat bagi and the environment.
masyarakat dan lingkungan secara lebih luas.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Portofolio Kriteria Kegiatan Usaha Portfolio of Sustainable Business Activity
Berkelanjutan Criteria
Disajikan dalam jutaan Rupiah
Presented in millions of Rupiah
Uraian
2025 2024 2023
Description
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets for Sustainable Business Activities
Total Pembiayaan Kegiatan Usaha Berkelanjutan 747.701 952.945 1.080.437
Total Financing for Sustainable Business Activities
Total Pembiayaan 49.454.268 45.943.655 42.334.777
Total Financing
Persentase total pembiayaan kegiatan usaha berkelanjutan terhadap total pembiayaan (%) 1,51% 2,07% 2,55%
Percentage of total financing for sustainable business activities to total financing (%)
Jumlah dan kualitas pembiayaan berdasarkan Kategori Kegiatan Usaha Berkelanjutan (KKUB)
Amount and quality of financing based on the Sustainable Business Activity Category (KKUB)
Energi terbarukan 0 0 0
Renewable energy
Efisiensi Energi 0 0 0
Energy Efficiency
Pencegahan dan pengendalian polusi 0 0 0
Pollution prevention and control
Pengelolaan sumber daya alam hayati dan penggunaan lahan yang berkelanjutan 0 0 0
Management of natural resources and sustainable land use
Konservasi keanekaragaman hayati darat dan air 0 0 0
Conservation of terrestrial and aquatic biodiversity
Transportasi ramah lingkungan 30.494 38.202 30.723
Environmentally friendly transportation
Pengelolaan air dan air limbah yang berkelanjutan 0 0 0
Sustainable water and wastewater management
Adaptasi perubahan iklim 0 0 0
Climate change adaptation
Produk yang dapat mengurangi penggunaan sumber daya dan menghasilkan lebih 0 0 0
sedikit polusi (Eco-efficient)
Products that reduce resource use and generate less pollution (Eco-efficient)
Bangunan berwawasan lingkungan yang memenuhi standar atau sertifikasi yang diakui 0 0 0
secara nasional, regional, atau internasional
Environmentally conscious buildings that meet nationally, regionally, or internationally
recognized standards or certifications
Kegiatan usaha dan/atau kegiatan lain yang berwawasan lingkungan lainnya 0 0 0
Other environmentally friendly business activities and/or other activities
Kegiatan UMKM 717.207 914.743 1.049.714
MSME activities
Kegiatan UMKM (Syariah) 0 0 0
MSME Activities (Sharia)
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Pada tahun 2025, FIFGROUP memperkuat penerapan keuangan In 2025, FIFGROUP strengthened the implementation of
berkelanjutan dengan mengintegrasikan pertimbangan sustainable finance by integrating environmental, social, and
lingkungan, sosial, dan tata kelola (LST) ke dalam strategi bisnis governance (ESG) considerations into its business strategy
serta pengelolaan portofolio pembiayaan. Upaya ini dimulai and financing portfolio management. This effort begins with
dengan pemetaan portofolio yang selaras dengan Kategori mapping the portfolio in line with the Sustainable Business
Kegiatan Usaha Berkelanjutan (KKUB) dan penyesuaian Activity Categories (KKUB) and adjusting internal policies to
kebijakan internal agar mendukung pertumbuhan pembiayaan support green and inclusive financing growth. This approach
hijau dan inklusif. Pendekatan ini memastikan bahwa setiap ensures that every financing decision considers the potential
keputusan pembiayaan mempertimbangkan potensi dampak positive and negative impacts on society and the environment
positif dan negatif terhadap masyarakat dan lingkungan serta and provides a basis for evaluating its effectiveness over time.
menyediakan dasar bagi evaluasi efektivitasnya dari waktu
ke waktu.
Sebagai bagian dari manajemen risiko, FIFGROUP melakukan As part of risk management, FIFGROUP conducts climate
penilaian risiko terkait perubahan iklim pada seluruh portofolio. change risk assessments across its entire portfolio. This analysis
Analisis ini mencakup identifikasi risiko fisik dan transisi, includes the identification of physical and transition risks, their
dampaknya terhadap perilaku konsumen dan biaya operasional, impact on consumer behavior and operating costs, as well as
serta implikasi finansial sebelum dan sesudah tindakan mitigasi the financial implications before and after mitigation measures
dilakukan. Sepanjang 2025, hasil penilaian menunjukkan are taken. Throughout 2025, the assessment results show
bahwa perubahan iklim tidak menimbulkan dampak kerugian that climate change does not cause material losses to the
material terhadap operasional maupun pendapatan Perseroan, Company's operations or revenue, confirming the resilience
menegaskan ketahanan strategi risiko yang telah diterapkan. of the risk strategy that has been implemented. [GRI 201-2]
[GRI 201-2]
Untuk memastikan transparansi dan akuntabilitas, FIFGROUP To obtain transparency and accountability, FIFGROUP submits
menyampaikan laporan keuangan triwulanan kepada mitra quarterly financial reports to its financial institution partners
lembaga keuangan, serta mempublikasikan laporan tahunan and publishes audited annual reports. All tax obligations are
yang telah diaudit. Seluruh kewajiban perpajakan dipenuhi fulfilled on time, including Non-Tax State Revenue (PNBP). The
tepat waktu, termasuk Penerimaan Negara Bukan Pajak Company's tax policy is reviewed periodically by the Finance
(PNBP). Kebijakan perpajakan Perseroan ditinjau secara berkala Director, who is responsible for regulatory compliance, tax
oleh Direktur Keuangan, yang bertanggung jawab terhadap risk management, and relations with tax authorities. This
kepatuhan regulasi, pengelolaan risiko perpajakan, serta approach ensures that tax policy remains aligned with the
hubungan dengan otoritas pajak. Pendekatan ini memastikan Company’s sustainability strategy and business objectives.
bahwa kebijakan perpajakan tetap sejalan dengan strategi FIFGROUP also implements an internal control system that
keberlanjutan dan tujuan bisnis Perseroan. FIFGROUP juga includes risk identification, monitoring of regulatory changes,
menerapkan sistem pengawasan internal yang mencakup and compliance evaluation. Mechanisms for consultation and
identifikasi risiko, pemantauan perubahan regulasi, hingga reporting of concerns related to tax integrity are also channeled
evaluasi kepatuhan. Mekanisme konsultasi dan penyampaian through the Whistleblowing System (FIFTrust), which allows
kekhawatiran terkait integritas pajak juga disalurkan melalui stakeholders to ask questions or report potential violations
Whistleblowing System (FIFTrust), yang memungkinkan confidentially and securely. [GRI 2-26, 207-1, 207-2]
pemangku kepentingan bertanya atau melaporkan potensi
pelanggaran secara rahasia dan aman. [GRI 2-26, 207-1, 207-2]
FIFGROUP juga memelihara komunikasi aktif dengan otoritas FIFGROUP also maintains active communication with tax
pajak dan pemangku kepentingan lain terkait isu perpajakan authorities and other stakeholders on tax issues through regular
melalui konsultasi berkala dan penyediaan saluran untuk consultations and the provision of channels for submitting
menyampaikan pertanyaan atau kekhawatiran. Pendekatan questions or concerns. This approach taken so that stakeholder
ini memastikan bahwa perspektif pemangku kepentingan perspectives are taken into account in tax management and
dipertimbangkan dalam pengelolaan pajak dan membantu helps improve the Company’s compliance quality. Throughout
meningkatkan kualitas kepatuhan Perseroan. Sepanjang 2025, 2025, the Company did not receive any financial assistance
Perseroan tidak menerima bantuan finansial dalam bentuk apa from the government, demonstrating its strong financial
pun dari pemerintah, menunjukkan kemandirian dan stabilitas independence and stability. [GRI 201-4, 207-3]
finansial yang kuat. [GRI 201-4, 207-3]
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Sebagai perusahaan yang beroperasi dan terdaftar secara As a company operating and legally registered in Indonesia,
hukum di Indonesia, seluruh entitas yang termasuk dalam all entities included in FIFGROUP’s consolidated financial
laporan keuangan konsolidasian FIFGROUP memiliki kewajiban statements have tax obligations in the Indonesian jurisdiction. All
pajak di yurisdiksi Indonesia. Seluruh aktivitas usaha, jumlah business activities, number of employees, income, profit before
karyawan, pendapatan, laba sebelum pajak, serta pembayaran tax, and tax payments, both cash and accrual, are reported
pajak, baik yang bersifat kas maupun akrual, dilaporkan secara consistently in accordance with applicable tax regulations.
konsisten sesuai ketentuan perpajakan yang berlaku. FIFGROUP FIFGROUP has no entities, operations, or ownership structures
tidak memiliki entitas, operasi, atau struktur kepemilikan di luar outside Indonesia, so tax reporting is carried out centrally
negeri, sehingga pelaporan pajak dilakukan secara terpusat di in Indonesia without any cross-jurisdictional transactions.
Indonesia tanpa adanya transaksi lintas yurisdiksi. [GRI 207-4] [GRI 207-4]
Melalui tata kelola risiko yang kokoh, kepatuhan terhadap Through robust risk management, regulatory compliance, and
regulasi, dan integrasi keberlanjutan dalam kebijakan bisnis the integration of sustainability into business and tax policies,
dan perpajakan, FIFGROUP membangun fondasi yang FIFGROUP builds a strong foundation to maintain long-term
kuat untuk mempertahankan pertumbuhan jangka panjang growth while making a positive contribution to society and the
sekaligus memberikan kontribusi positif bagi masyarakat dan environment. Further information on the Company’s financial
lingkungan. Informasi lebih lanjut mengenai kinerja keuangan and sustainability performance can be found in the 2025
dan keberlanjutan Perseroan dapat ditemukan dalam Laporan Annual Report.
Tahunan 2025.
Rantai Pasokan [GRI 2-6]
Supply Chain
Sebagai perusahaan pembiayaan dengan jangkauan nasional, As a national financing company, FIFGROUP has built a supply
FIFGROUP membangun rantai pasok yang berfungsi sebagai chain that serves as the backbone of its operations, ranging
tulang punggung operasional, mulai dari pengadaan barang, from procurement of goods and support services to systems
layanan pendukung, hingga sistem pendukung aktivitas that support office activities and branch networks. All of these
kantor dan jaringan cabang. Seluruh kegiatan ini dijalankan activities are performed in collaboration with supplier partners
bersama mitra pemasok yang tersebar di berbagai wilayah spread across various operational areas and selected through a
operasional dan dipilih melalui prosedur pengadaan yang transparent, standardized procurement procedure that ensures
transparan, terstandarisasi, dan memastikan bahwa pemasok suppliers understand and implement sustainability principles
memahami serta menerapkan prinsip keberlanjutan, baik dari in terms of the environment, society, and governance. There
sisi lingkungan, sosial, maupun tata kelola. Tidak terdapat were no significant changes in the scope of activities or the
perubahan signifikan dalam cakupan aktivitas atau model rantai Company's value chain model during the reporting year.
nilai Perseroan di tahun pelaporan. [GRI 2-6] [GRI 2-6]
FIFGROUP mendefinisikan pemasok lokal sebagai mitra FIFGROUP defines local suppliers as business partners
usaha yang beroperasi di wilayah yang sama dengan lokasi operating in the same region as the Company's operational
operasional Perseroan. Pada tahun 2025, 100% dari pemasok locations. By 2025, 100% of suppliers working with FIFGROUP
yang bekerja sama dengan FIFGROUP merupakan pemasok were local suppliers, reflecting a commitment to empowering
lokal, mencerminkan komitmen untuk memberdayakan ekonomi the domestic economy and creating value for businesses in
domestik dan menciptakan nilai bagi pelaku usaha di daerah. the region. The percentage of procurement spending on local
Persentase belanja pengadaan kepada pemasok lokal juga suppliers also consistently constitutes the largest component
konsisten menjadi komponen terbesar dari total pengeluaran of total supply chain expenditure in key operating locations.
rantai pasok di lokasi operasi utama. [GRI 204-1] [GRI 204-1]
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Untuk memastikan kualitas rantai pasok, seluruh pemasok baru To achieve supply chain quality, all new suppliers are required
diwajibkan melalui proses seleksi yang menilai pemenuhan to undergo a selection process that assesses their fulfillment of
kriteria lingkungan dan sosial, termasuk legalitas operasional, environmental and social criteria, including operational legality,
kepatuhan peraturan, praktik ketenagakerjaan, kesehatan dan regulatory compliance, labor practices, occupational health
keselamatan kerja, serta keberlanjutan lingkungan. Hal ini and safety, and environmental sustainability. This is part of the
menjadi bagian dari sistem screening pemasok yang diterapkan supplier screening system that has been implemented since
sejak awal kerja sama. [GRI 308-1, 414-1] the beginning of the collaboration. [GRI 308-1, 414-1]
Sepanjang tahun pelaporan, FIFGROUP melakukan penilaian Throughout the reporting year, FIFGROUP conducted
terhadap pemasok terkait potensi dampak lingkungan assessments of suppliers regarding potential environmental
dan sosial, termasuk risiko polusi, penggunaan energi, and social impacts, including pollution risks, energy use,
ketidakpatuhan lingkungan, risiko pekerja anak, serta environmental non-compliance, child labor risks, and forced
pekerja paksa. Hasil penilaian tidak menemukan adanya labor. The assessment results did not find any suppliers with
pemasok dengan dampak signifikan ataupun pelanggaran significant impacts or serious violations that required termination
serius yang memerlukan penghentian hubungan kerja sama. of the cooperation. All suppliers assessed as having minor risk
Seluruh pemasok yang dinilai memiliki potensi risiko minor potential were given recommendations for improvement and
diberikan rekomendasi perbaikan dan pendampingan, dan guidance, and all of them have completed the follow-up as
seluruhnya telah menyelesaikan tindak lanjut sesuai jadwal. scheduled. [GRI 308-2, 408-1, 409-1, 414-2]
[GRI 308-2, 408-1, 409-1, 414-2]
Seluruh proses pengadaan dijalankan melalui prosedur yang The entire procurement process is carried out through
terdokumentasi-mulai dari permintaan penawaran, evaluasi documented procedures—from request for proposals,
teknis dan komersial, due diligence, hingga evaluasi kinerja technical and commercial evaluation, due diligence, to periodic
berkala-yang memastikan pemasok dipilih berdasarkan aspek performance evaluation—which ensure that suppliers are
kualitas, etika, legalitas, serta keberlanjutan. FIFGROUP juga selected based on quality, ethics, legality, and sustainability
memastikan bahwa nilai-nilai keberlanjutan diterapkan di aspects. FIFGROUP also figures that sustainability values are
seluruh rantai nilai, termasuk penggunaan produk yang lebih applied throughout the value chain, including the use of more
efisien sumber daya, layanan yang mendukung pengurangan resource-efficient products, services that support emission
emisi, serta praktik kerja sama yang etis dan bertanggung reduction, and ethical and responsible cooperation practices.
jawab. [ACGS C.4.2, ACGS C.4.3] [ACGS C.4.2, ACGS C.4.3]
Melalui pendekatan ini, FIFGROUP tidak hanya menjaga Through this approach, FIFGROUP not only maintains
kelancaran operasional, tetapi juga membangun rantai pasok operational efficiency but also builds a supply chain that
yang berkontribusi terhadap keberlanjutan ekonomi lokal, contributes to local economic sustainability, labor protection,
perlindungan tenaga kerja, dan pengelolaan lingkungan yang and more responsible environmental management.
lebih bertanggung jawab.
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Menciptakan Karyawan Unggul
Creating Excellent Employees
“Bagi FIFGROUP, keberhasilan Perseroan bermula dari kualitas manusianya.
Karena itu, kami berkomitmen menciptakan lingkungan yang memungkinkan
setiap karyawan berkembang, berkarya, dan melampaui potensinya. Melalui
investasi berkelanjutan pada kompetensi dan kesejahteraan, kami membentuk
talenta unggul yang siap menghadapi tantangan masa depan.”
“For FIFGROUP, the Company’s success begins with the quality of its people. Therefore, we are
committed to creating an environment that allows every employee to grow, work, and exceed
their potential. Through continuous investment in competence and welfare, we develop excellent
talent who are ready to tackle future challenges.”
Mengenal Karyawan Kami [GRI 2-7, 2-8] Getting to Know Our Employees [GRI 2-7, 2-8]
Sumber daya manusia merupakan fondasi utama keberlanjutan Human capital are the main foundation of FIFGROUP's
bisnis FIFGROUP. Komposisi dan demografi karyawan dikelola business sustainability. The composition and demographics
secara strategis agar selaras dengan kebutuhan operasional of employees are managed strategically to align with the
dan arah pertumbuhan Perseroan. Hingga 31 Desember 2025, Company's operational needs and growth direction. As of
FIFGROUP memiliki 14.411 karyawan, berubah sebesar 1,96% December 31, 2025, FIFGROUP had 14,411 employees, a change
dibandingkan tahun sebelumnya. Perubahan ini merefleksikan of 1.96% compared to the previous year. This change reflects
penyesuaian organisasi terhadap dinamika bisnis dan organizational adjustments to business dynamics and workforce
kebutuhan optimalisasi tenaga kerja. optimization needs.
Sepanjang 2025, Perseroan merekrut 2.869 karyawan baru, Throughout 2025, the Company recruited 2,869 new
terdiri dari 2.122 laki-laki dan 747 perempuan, dari berbagai employees, consisting of 2,122 male employees and 747 female
kelompok usia dan wilayah operasional. Langkah ini tidak hanya employees, from various age groups and operational regions.
memperkuat kapasitas perusahaan tetapi juga menegaskan This step not only strengthens the company's capacity but also
komitmen terhadap keberagaman dan kesempatan kerja affirms its commitment to diversity and equal employment
yang setara . Pada periode yang sama, tingkat perputaran opportunities. During the same period, the employee turnover
karyawan tercatat sebesar 18,15%, dengan 2.592 karyawan rate was recorded at 18.15%, with 2,592 employees leaving the
meninggalkan perusahaan karena pensiun, alasan kesehatan, company due to retirement, health reasons, family reasons, or
keputusan keluarga, atau melanjutkan pengembangan karier to pursue further career development outside the Company.
di luar Perseroan. [GRI 401-1] [GRI 401-1]
Dengan pendekatan pengelolaan SDM yang adaptif, FIFGROUP With an adaptive HC management approach, FIFGROUP
terus memastikan kecukupan talenta, menjaga kesinambungan continues to ensure sufficient talent, maintain workforce
tenaga kerja, dan menghadirkan lingkungan kerja yang inklusif continuity, and provide an inclusive and productive work
serta produktif untuk mendukung pertumbuhan jangka panjang. environment to support long-term growth.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Jumlah Karyawan Menurut Jenis Kelamin Number of Employees by Gender
Jenis Kelamin
2025 2024 2023
Gender
Laki-laki 11.529 11.552 11.618
Male
Perempuan 2.882 2.582 2.183
Female
Jumlah 14.411 14.134 13.801
Total
Jumlah Karyawan Menurut Jabatan Number of Employees by Position
2025 2024 2023
Jabatan Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
Managerial* 58 18 76 54 19 75 58 18 76
Non- 11.471 2.864 14.335 11.498 2.563 14.061 11.560 2.165 13.725
Managerial
Jumlah 11.529 2.882 14.411 11.552 2.582 14.134 11.618 2.183 13.801
Total
* Managerial terdiri dari Direksi, Division Head, dan Department Head. Sebanyak 98,68% dari total karyawan managerial adalah masyarakat lokal yakni berasal dari wilayah operasional
Perseroan. [GRI 202-2]
* Management consists of the Board of Directors, Division Heads, and Department Heads. 98.68% of total management employees are residents from the Company’s operational areas.
[GRI 202-2]
Jumlah Karyawan Menurut Usia Number of Employees by Age
2025 2024 2023
Usia
Age Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
>55 1 1 2 0 0 0 1 0 1
46-55 611 139 750 495 119 614 444 108 552
36-45 3.379 566 3.945 3.239 524 3.763 3.186 502 3.688
26-35 5.967 1.573 7.540 6.037 1.372 7.409 6.030 1.218 7.248
18-25 1.571 603 2.174 1.781 567 2.348 1.957 355 2.312
Jumlah 11.529 2.882 14.411 11.552 2.582 14.134 11.618 2.183 13.801
Total
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Jumlah Karyawan Menurut Pendidikan Number of Employees by Education
2025 2024 2023
Pendidikan
Education Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
Magister 53 28 81 35 22 57 30 17 47
Post Graduate
Sarjana 4732 1664 6396 4.371 1.404 5.775 4.015 1.105 5.120
Bachelor’s
Diploma 916 330 1246 946 327 1.273 976 316 1.292
Diploma
SMU 5825 860 6685 6.197 829 7.026 6.576 741 7.317
Senior High
School
SMP/SD Junior 3 3 3 0 3 21 4 25
High School/
Elementary
School
Jumlah 11529 2882 14411 11.552 2.582 14.134 11.618 2.183 13.801
Total
Komposisi Karyawan Baru Berdasarkan Composition of New Employees by Region and
Wilayah dan Jenis Kelamin [GRI 401-1] Gender [GRI 401-1]
2025 2024 2023
Wilayah
Region Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
Jakarta 189 93 282 324 125 449 227 24 251
Luar Jakarta 1.933 654 2.587 1.746 711 2.457 1.187 553 1.740
Outside Jakarta
Jumlah 2.122 747 2.869 2.070 836 2.906 1.414 577 1.991
Total
Tingkat Perputaran (Turnover) Karyawan Employee Turnover Rate [GRI 401-1]
[GRI 401-1]
Uraian
2025 2024 2023
Description
Karyawan Masuk 2.869 2.906 1.991
New Hires
Karyawan Keluar 2.592 2.573 2.151
Employees leaving
Rasio Perputaran Karyawan 18,15% 18,42% 15,50%
Employee Turnover Ratio
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Kesejahteraan dan Kesetaraan Karyawan Employee Welfare and Equality [GRI 3-3] [OJK F.18]
[GRI 3-3] [OJK F.18]
Di FIFGROUP, karyawan bukan sekadar tenaga kerja, At FIFGROUP, employees are not merely workers, but the main
melainkan penggerak utama di balik performa bisnis, inovasi drivers behind the Company's business performance, service
layanan, dan keberhasilan strategi keberlanjutan Perseroan. innovation, and sustainability strategy success. Therefore,
Karena itu, perhatian terhadap kesejahteraan, perlindungan attention to the welfare, protection of rights, and development
hak, dan pengembangan potensi setiap individu selalu of each individual's potential is always a priority. The Company
ditempatkan sebagai prioritas. Perseroan memastikan seluruh ensures that all human capital management policies are aligned
kebijakan pengelolaan SDM diselaraskan dengan regulasi with national labor regulations and the 2023-2025 Company
ketenagakerjaan nasional serta Peraturan Perusahaan 2023- Regulations, which form the foundation for fair, safe, and
2025, yang menjadi fondasi bagi praktik hubungan industrial dignified industrial relations practices. All areas of operation
yang adil, aman, dan menghormati martabat manusia. are free from forced labor and child labor, and throughout
Seluruh wilayah operasi bebas dari praktik kerja paksa 2025, there were no strikes or lockouts in the Company's work
maupun pekerja anak, dan sepanjang 2025 tidak terdapat environment. [OJK F.19, GRI 408-1, 409-1]
pemogokan atau lockout di lingkungan kerja Perseroan.
[OJK F.19, GRI 408-1, 409-1]
Prinsip diversity, equality, and inclusion diterapkan sejak proses The principles of diversity, equality, and inclusion are applied
rekrutmen hingga evaluasi kinerja. Setiap orang dihargai from the recruitment process to performance evaluations.
berdasarkan kompetensi, bukan latar belakang pribadi. Jika Everyone is valued based on their competence, not their
terdapat dugaan diskriminasi atau pelecehan, Perseroan personal background. If there are allegations of discrimination
menerapkan mekanisme penanganan yang tegas dan terukur. or harassment, the Company implements strict and measurable
Tahun 2025 ditutup tanpa laporan insiden diskriminasi, handling mechanisms. The year 2025 ended without any
sekaligus menunjukkan efektivitas sistem perlindungan dan reports of discrimination, demonstrating the effectiveness
budaya kerja yang menghargai perbedaan . Melalui program of the protection system and a work culture that respects
FIFriendibility, FIFGROUP juga memperluas kesempatan bagi differences. Through the FIFriendibility program, FIFGROUP
penyandang disabilitas untuk berkarya melalui pelatihan dan also expands opportunities for people with disabilities to work
penempatan di berbagai fungsi operasional. [GRI 406-1] through training and placement in various operational functions.
[GRI 406-1]
Komitmen Perseroan terhadap penghormatan HAM terus The Company's commitment to respecting human rights is
diperkuat, termasuk melalui pelatihan wajib bagi seluruh tenaga continuously strengthened, including through mandatory
keamanan untuk memastikan mereka memahami standar HAM training for all security personnel to ensure they understand
dan berperan menjaga lingkungan kerja yang aman dan inklusif. human rights standards and play a role in maintaining a
Selama tahun pelaporan, tidak terdapat kasus pelanggaran safe and inclusive work environment. During the reporting
kebebasan berserikat maupun isu persaingan tidak sehat year, there were no cases of violations of freedom of
yang melibatkan Perseroan. Meskipun belum memiliki serikat association or issues of unfair competition involving the
pekerja, FIFGROUP membuka ruang dialog dan menjamin Company. Although it does not yet have a labor union,
kebebasan karyawan untuk berserikat apabila diinginkan. FIFGROUP is willing to engage in dialogue and guarantees
[GRI 2-30, 206-1, 407-1, 410-1, SASB FN-CF-270a.1] employees the freedom to form a union if they so desire.
[GRI 2-30, 206-1, 407-1, 410-1, SASB FN-CF-270a.1]
Untuk menjaga kesejahteraan finansial karyawan, FIFGROUP To maintain the financial well-being of its employees, FIFGROUP
menerapkan pendekatan remunerasi berstandar Astra Group implements the Astra Group's standard remuneration approach
yang dikenal sebagai 3P yaitu Pay for Position, Pay for People, known as 3P, which stands for Pay for Position, Pay for People,
dan Pay for Performance. and Pay for Performance.
1. Pay for Position memastikan setiap posisi diberikan struktur 1. Pay for Position affirms that each position is given a
remunerasi yang kompetitif berdasarkan nilai jabatan dan competitive remuneration structure based on job value
standar pasar. and market standards.
2. Pay for People diberikan untuk mengapresiasi kompetensi 2. Pay for People is given to recognize individual competencies,
individu, terutama bagi karyawan dalam kategori Human especially for employees in the Human Asset Value (HAV)
Asset Value (HAV) pada golongan 4–6, sehingga peningkatan category in groups 4–6, so that improved skills are followed
keahlian diikuti oleh peningkatan kesejahteraan. by improved welfare.
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3. Pay for Performance menjamin bahwa kontribusi nyata 3. Pay for Performance guarantees that tangible contributions
dan pencapaian target terukur dihargai secara adil melalui and measurable target achievements are fairly rewarded
insentif dan bonus kinerja. through incentives and performance bonuses.
Pendekatan ini tidak hanya menciptakan kompensasi yang This approach not only creates balanced compensation but
berimbang, tetapi juga membangun budaya kerja berbasis also builds a work culture based on meritocracy, motivation,
meritokrasi, motivasi, dan produktivitas. FIFGROUP turut and productivity. FIFGROUP also provides various supporting
menyediakan berbagai fasilitas pendukung, survei upah rutin, facilities, regular wage surveys, and industry benchmarking so
dan benchmarking sektor industri untuk memastikan daya that remuneration competitiveness is maintained. For marketing
saing remunerasi tetap terjaga. Untuk tenaga pemasar, skema personnel, a special incentive scheme is provided as a reward
insentif khusus diberikan sebagai penghargaan atas kontribusi for their direct contribution to sales and business growth. By
langsung mereka terhadap penjualan dan pertumbuhan bisnis. 2025, all salaries for the lowest-paid employees across all
Pada tahun 2025, seluruh gaji karyawan golongan terendah di operational regions have met the Regional Minimum Wage
seluruh wilayah operasi telah memenuhi standar Upah Minimum standard. [OJK F.20]
Regional. [OJK F.20]
Dengan menggabungkan prinsip penghormatan HAM, By combining the principles of respect for human rights,
kesetaraan kesempatan, dan skema remunerasi yang progresif, equal opportunities, and a progressive remuneration scheme,
FIFGROUP menciptakan ekosistem kerja yang tidak hanya FIFGROUP creates a work ecosystem that is not only productive
produktif, tetapi juga manusiawi, sebagai tempat setiap orang but also humane, where everyone can develop, be appreciated,
dapat berkembang, dihargai, dan berperan dalam membangun and play a role in building a sustainable future for the Company.
masa depan Perseroan yang berkelanjutan.
Sebagai wujud apresiasi terhadap kontribusi karyawan, As a token of appreciation for employee contributions,
FIFGROUP menyediakan berbagai fasilitas kesejahteraan FIFGROUP provides various welfare facilities designed fairly and
yang dirancang secara adil dan setara sesuai nilai pekerjaan equitably according to the value of each individual's work and
serta tanggung jawab masing-masing individu. Fasilitas ini responsibilities. These facilities are provided to all permanent
diberikan kepada seluruh karyawan tetap tanpa diskriminasi employees without discrimination and are intended to improve
dan ditujukan untuk meningkatkan kenyamanan, perlindungan, their comfort, protection, and quality of life. The welfare facilities
dan kualitas hidup mereka. Adapun fasilitas kesejahteraan provided include:
yang diberikan meliputi:
1. Tunjangan Hari Raya bagi seluruh karyawan sebagai bagian 1. Holiday Allowance for all employees as part of their
dari hak normatif. normative rights.
2. Tunjangan Pendukung Kerja, seperti transportasi, makan, 2. Work Support Allowances, such as transportation, meals,
komunikasi, dan operasional. communication, and operational allowances.
3. Program Dana Pensiun untuk mempersiapkan masa 3. Pension Fund Program to prepare for a more
purnabakti yang lebih terjamin. secure retirement.
4. Fasilitas Kesehatan yang mencakup rawat jalan, rawat inap, 4. Healthcare facilities covering outpatient care, inpatient
persalinan, dan manfaat kesehatan tambahan. care, childbirth, and additional health benefits.
5. Asuransi Jiwa dan Kecelakaan Kerja sebagai perlindungan 5. Life and Work Accident Insurance as protection against
atas risiko yang mungkin terjadi. potential risks.
6. Penghargaan Masa Kerja untuk mendorong loyalitas dan 6. Length of Service Awards to encourage employee loyalty
retensi karyawan. and retention.
7. Program Hadiah Kinerja sebagai bentuk apresiasi bagi 7. Performance Reward Program as a form of appreciation for
karyawan yang mencapai atau melampaui target. employees who achieve or exceed targets.
Untuk meningkatkan motivasi dan engagement, FIFGROUP juga To increase motivation and engagement, FIFGROUP also
menjalankan program Value Internalization Point (VIP), di mana organizes a Value Internalization Point (VIP) program, where
karyawan memperoleh poin dari partisipasi dalam kepanitiaan, employees earn points for participating in committees,
knowledge sharing, inovasi, dan kegiatan pengembangan knowledge sharing, innovation, and other development
lainnya. Poin tersebut dapat ditukarkan dengan berbagai activities. These points can be exchanged for various
hadiah, mendukung terciptanya budaya kerja yang dinamis gifts, supporting the creation of a dynamic and innovative
dan inovatif. work culture.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
FIFGROUP memastikan pemenuhan hak bagi karyawan yang FIFGROUP ensures that the rights of employees who are
menjadi orang tua, termasuk cuti melahirkan dan cuti khusus. parents are fulfilled, including maternity leave and special
Karyawan perempuan berhak atas 1,5 bulan cuti sebelum leave. Female employees are entitled to 1.5 months of leave
melahirkan dan 1,5 bulan setelah melahirkan, sementara before giving birth and 1.5 months after giving birth, while male
karyawan laki-laki memperoleh cuti pendampingan selama employees are entitled to 2 days of paternity leave.
2 hari.
Sepanjang tahun 2025: Throughout 2025:
• 150 karyawan perempuan memanfaatkan hak • 150 female employees took maternity leaves
cuti melahirkan.
• 418 karyawan laki-laki menggunakan cuti khusus untuk • 418 male employees used special leave to accompany
mendampingi pasangan. their partners.
• Tingkat kembali bekerja (return-to-work rate) dan retensi • The return-to-work rate and post-leave retention rate
pasca-cuti mencapai 100%, mencerminkan komitmen reached 100%, reflecting the Company's commitment to
Perseroan dalam menciptakan lingkungan kerja yang creating a work environment that supports work-life balance.
mendukung keseimbangan kehidupan kerja dan keluarga. [GRI 401-3]
[GRI 401-3]
Untuk memastikan kesiapan finansial dan psikologis karyawan To obtain the financial and psychological readiness of employees
menjelang masa purnabakti, FIFGROUP menyediakan program approaching retirement, FIFGROUP provides a pension program
pensiun yang dikelola secara bertanggung jawab dan sesuai that is managed responsibly and in accordance with regulations.
ketentuan. Seluruh karyawan diikutsertakan dalam Jaminan All employees are enrolled in the Old Age Benefit (JHT) and
Hari Tua (JHT) dan Jaminan Pensiun (JP) melalui BPJS Pension Benefit (JP) programs through the Employment Social
Ketenagakerjaan, dengan komposisi iuran yang dibayarkan Security Agency (BPJS Ketenagakerjaan), with the following
bersama: 3,7% oleh Perseroan dan 2% oleh karyawan untuk JHT, contribution composition: 3.7% from the Company and 2% from
serta 2% oleh Perseroan dan 1% oleh karyawan untuk JP. Skema employees for JHT, and 2% from the Company and 1% from
ini memastikan bahwa setiap karyawan memiliki perlindungan employees for JP. This scheme ensures that every employee
pendapatan jangka panjang yang memadai. [GRI 201-3] has adequate long-term income protection. [GRI 201-3]
Sebagai langkah transisi, Perseroan juga menyediakan As a transitional measure, the Company also provides special
pelatihan khusus untuk karyawan yang mendekati masa training for employees approaching retirement through the
pensiun melalui program FIFPRENEUR, yaitu pelatihan FIFPRENEUR program, which is entrepreneurship training that
kewirausahaan yang membantu karyawan membangun usaha helps employees build their own businesses after retirement.
sendiri setelah purnabakti. Pelatihan ini meliputi pengelolaan This training covers business management, financial planning,
bisnis, perencanaan keuangan, hingga pendampingan praktis and practical guidance that can improve their readiness to
yang dapat meningkatkan kesiapan mereka memasuki fase enter a new phase of working life. Throughout 2025, there
baru kehidupan kerja. Sepanjang tahun 2025, terdapat 37 were 37 employees who entered retirement, and all of them
karyawan yang memasuki masa pensiun dan seluruhnya participated in the pre-retirement briefing series as part of
mengikuti rangkaian pembekalan pra-pensiun tersebut sebagai career transition support. [GRI 404-2]
bagian dari dukungan transisi karier. [GRI 404-2]
Melalui program pensiun dan pelatihan pengembangan Through this retirement program and skills development
keterampilan ini, FIFGROUP memastikan bahwa setiap training, FIFGROUP ensures that every employee receives
karyawan mendapatkan dukungan menyeluruh untuk memasuki comprehensive support to enter retirement more prepared,
masa purnabakti secara lebih siap, mandiri, dan sejahtera. independent, and prosperous.
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Menjaga Lingkungan Kerja yang Layak dan Maintaining a Decent and Safe Working
Aman [OJK F.21][GRI 3-3][ACGS C.6.1] Environment [OJK F.21][GRI 3-3][ACGS C.6.1]
FIFGROUP menempatkan keselamatan dan kesehatan kerja FIFGROUP places occupational safety and health as an
sebagai bagian penting dari keberlanjutan operasionalnya. important part of its operational sustainability. The Company
Perseroan memastikan bahwa setiap karyawan bekerja di ensures that every employee works in a safe, healthy, and
lingkungan yang aman, sehat, dan layak melalui pemenuhan decent environment by complying with various national
terhadap berbagai regulasi nasional, mulai dari UU Keselamatan regulations, ranging from the Occupational Safety Law to the
Kerja hingga PP SMK3, serta keselarasan dengan aspirasi SMK3 Government Regulation, as well as aligning with the
keberlanjutan Grup Astra dan Tujuan Pembangunan sustainability aspirations of the Astra Group and the Sustainable
Berkelanjutan. Pendekatan ini menjadi fondasi untuk Development Goals. This approach forms the foundation for
menciptakan tempat kerja yang produktif dan bebas risiko. creating a productive and risk-free workplace.
Untuk memastikan risiko K3 terkelola dengan baik, tim ESR & To confirm that occupational safety and health risks are well
Sustainability Department melakukan identifikasi risiko secara managed, the ESR & Sustainability Department team conducts
berkala dan memastikan seluruh jaringan kerja FIFGROUP patuh regular risk identification and ensures that the entire FIFGROUP
terhadap standar keselamatan. Upaya-upaya ini dirancang network complies with safety standards. These efforts are
tidak hanya untuk memenuhi regulasi, tetapi juga membangun designed not only to comply with regulations but also to build
budaya K3 yang kuat di seluruh organisasi. a strong occupational safety and health culture throughout
the organization.
1. Pengelolaan Lingkungan Perkantoran 1. Office Environmental Management
• Pengelolaan sampah melalui kerja sama dengan bank • Waste management through collaboration with waste
sampah dan program pengurangan sampah plastik. banks and plastic waste reduction programs.
• Monitoring perizinan lingkungan, pengelolaan • Monitoring of environmental permits, management of
limbah B3/non-B3, dan pengukuran iklim kerja. hazardous/non-hazardous waste, and measurement of
the working climate.
• Implementasi 5R untuk menjaga lingkungan kerja tetap • Implementation of the 5R principle to maintain a clean
bersih dan tertata. and organized work environment.
• Kampanye AKSI (Ayo Kurangi Sampah Indonesia) • AKSI (Ayo Kurangi Sampah Indonesia/ Let's Reduce
melalui kegiatan seperti hike and heal, budidaya Waste in Indonesia) campaign through activities such
maggot, pembatasan botol plastik sekali pakai, dan as hike and heal, maggot farming, restrictions on single-
penandatanganan komitmen di seluruh jaringan. use plastic bottles, and signing of commitments across
the network.
2. Ergonomi dan Produktivitas Kerja 2. Ergonomics and Work Productivity
• Penyediaan meja dan kursi ergonomis untuk mendukung • Providing ergonomic desks and chairs to support
kenyamanan kerja. work comfort.
• Pengaturan jam kerja yang seimbang agar produktivitas • Balancing work hours to maintain productivity.
tetap terjaga.
3. Kesehatan dan Kebugaran Karyawan 3. Employee Health and Wellness
• Program yang menunjang kesehatan karyawan seperti • Employee wellness programs such as FIFirstep,
FIFirstep, stretching, drinking time, serta edukasi gaya stretching, drinking time, and healthy lifestyle education.
hidup sehat.
• Pemeriksaan kesehatan pra-kerja dan pemeriksaan • Pre-employment health checks and regular health
berkala (MCU). screenings (MCU).
4. Keselamatan Kerja dan Tanggap Darurat 4. Work Safety and Emergency Response
• Penyediaan APAR, detektor asap, alarm kebakaran, • Providing fire extinguishers, smoke detectors, fire
kotak P3K, dan rambu K3. alarms, first aid kits, and safety signage.
• Pelatihan Kesiapsiagaan Tanggap Darurat diantaranya: • Emergency Preparedness Training includes: disaster
simulasi bencana, pelatihan floor warden, dan simulations, floor warden training, and first aid.
pertolongan pertama.
• Implementasi EHS Golden Rules (PEKA, PASTI, PATUH) • Implementation of EHS Golden Rules (PEKA, PASTI,
dan peluncuran maskot “Bung Aman”. PATUH/ Environment, Health, Safety) and launch of the
"Bung Aman" mascot.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
• Program FIFGROUP Aman Berlalu Lintas (safety riding), • FIFGROUP Safe Riding Program, including training,
termasuk pelatihan, inspeksi, kompetisi video, kampanye inspections, video competitions, public campaigns,
publik, fit to work checking. fit-to-work checks.
• EHS Patrol untuk mengevaluasi kondisi sarana dan • EHS Patrol to evaluate the condition of safety facilities
prasarana keselamatan. and infrastructure.
5. Penilaian dan Peningkatan K3 5. Occupational Safety and Health (OSH) Assessment and
Improvement
• Pemenuhan standar Astra Green Company (AGC), • Compliance with Astra Green Company (AGC) standards,
mencakup penilaian sistem manajemen, critical points, including management system assessment, critical
serta kepatuhan hukum. Tahun 2025, corporate points, and legal compliance. In 2025, The AGC
assessment AGC dilaksanakan pada 2 cabang dan corporate assessment was conducted at two branches
memperoleh predikat Emas. and received a Gold rating.
Berkat implementasi yang komprehensif ini, tidak terdapat Due to this comprehensive implementation, there were no
kecelakaan kerja fatal maupun penyakit akibat kerja (PAK) fatal work accidents or occupational diseases (PAK) throughout
sepanjang 2025, memperlihatkan efektivitas penerapan K3 2025, demonstrating the effectiveness of K3 implementation
dan komitmen Perseroan dalam menjaga keselamatan seluruh and the Company's commitment to managing the safety of all
karyawan. [GRI 403-9, 403-10] employees. [GRI 403-9, 403-10]
FIFGROUP akan terus memperkuat praktik keselamatan dan FIFGROUP will continue to strengthen occupational safety and
kesehatan kerja sebagai bagian dari agenda keberlanjutan health practices as part of its sustainability agenda to achieve
untuk memastikan tenaga kerja yang sehat, produktif, dan a healthy, productive, and highly competitive workforce.
berdaya saing tinggi.
Pelatihan dan Pendidikan Karyawan Employee Training and Education
[OJK E.2, F.22][GRI 3-3][ACGS C.6.2] [OJK E.2, F.22][GRI 3-3][ACGS C.6.2]
Perseroan berkomitmen untuk terus meningkatkan kapabilitas The Company is committed to continuously improving the
dan kompetensi setiap karyawan agar mampu bersaing secara capabilities and competencies of each employee so that they
profesional serta adaptif terhadap dinamika industri pembiayaan. are able to compete professionally and adapt to the dynamics
Langkah konkret Perseroan akan hal ini diwujudkan melalui of the financing industry. The Company’s concrete steps in this
pelaksanaan berbagai program pengembangan kompetensi regard are achieved through the implementation of various
SDM mulai dari development journey untuk sarana reskilling human capital competency development programs, ranging
serta development program untuk sarana upskilling yang from development journeys for reskilling to development
seluruhnya tercatat dalam Individual Development Plan (IDP) programs for upskilling, all of which are recorded in the
karyawan . employees’ Individual Development Plans (IDPs).
Learning & People Development Department telah berperan The Learning & People Development Department has served
sebagai pusat pelatihan dan pengembangan SDM di Perseroan as the center for training and human capital development within
yang diperuntukan khusus untuk mendukung pengembangan the Company, specifically designed to support the continuous
karyawan secara berkelanjutan serta sejalan dengan tujuan development of employees in line with the Company’s strategic
strategis Perseroan. Program-program unggulan yang objectives. The flagship programs are organized in a structured
diselenggarakan secara terstruktur berdasarkan 3 (tiga) manner based on three main categories:
kategori utama:
1. Development Program 1. Development Program
Program Pelatihan yang bertujuan untuk sarana upskilling Training programs aimed at upskilling employees. Based on
karyawan. Berdasarkan source trainee, terbagi menjadi the source of trainees, these are divided into two categories:
2 yaitu:
a. Internal: source berasal dari karyawan existing dengan a. Internal: sources from existing employees with the aim
tujuan untuk promosi dan standarisasi kompetensi of promotion and competency standardization
b. External: source berasal dari external atau non karyawan b. External: sources from external or non-employees (new
(new hire) dengan tujuan untuk mencetak leader baru hires) to create new leaders
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2. Development Journey 2. Development Journey
Program pelatihan yang diselenggarakan oleh FIFGROUP A training program organized by FIFGROUP for employees
untuk karyawan berdasarkan learning path jabatan dan area based on job learning paths and development areas
pengembangan berdasarkan Astra Leadership Competency according to Astra Leadership Competency (ALC) to
(ALC) dengan tujuan untuk pengembangan kompetensi develop employees' competencies. Based on the source
karyawan. Berdasarkan source peserta, terbagi menjadi of participants, it is divided into two categories:
2 yaitu:
a. Key People: Karyawan yang tercatat dalam data a. Key People: Employees listed in the employee database
karyawan sebagai key people as key people
b. Non-Key People: Karyawan yang tercatat dalam data b. Non-Key People: Employees who are registered in the
karyawan sebagai non-key people employee database as non-key people
3. Knowledge Management Activity 3. Knowledge Management Activity
Program setiap bulan yang diselenggarakan Perseroan A monthly program organized by the Company to support
untuk mendukung pengembangan karyawan melalui employee development through the exchange of insights
pertukaran wawasan dan pengalaman baik dari narasumber and experiences from both internal and external speakers.
internal dan external. Program ini menjadi wadah bagi This program provides a platform for employees to expand
karyawan untuk memperluas pengetahuan dan perspektif their knowledge and perspectives collaboratively.
secara kolaboratif.
Melalui pelaksanaan berbagai program pengembangan Through the implementation of various competency
kompetensi ini, Perseroan meyakini setiap karyawan dapat development programs, the Company believes that every
terus tumbuh dan berkontribusi secara maksimal, sehingga employee can continuously improve and contribute optimally,
tercipta sinergi yang kuat dalam mencapai tujuan jangka thereby creating strong synergy in achieving the Company's
panjang Perseroan. Upaya ini sekaligus memperkuat kapabilitas long-term goals. This effort also strengthens human capital
SDM agar kompeten, adaptif, dan siap menghadapi tantangan capabilities to be competent, adaptive, and ready to tackle the
industri pembiayaan di masa depan. challenges of the financing industry in the future.
Pada tahun 2025, total anggaran pengembangan SDM yang In 2025, the total realized HC development budget reached
terealisasi mencapai Rp 55,910,159,140 atau 107.95 % dari Rp55,910,159,140 or 107.95% of the plan. Through this
rencana. Melalui alokasi ini, FIFGROUP menyelenggarakan allocation, FIFGROUP organized 3 categories of training,
3 kategori pelatihan yang mencakup development program, such as development programs, development journeys, and
development journey dan knowledge management activity knowledge management activities, which included topics
yang didalanya mencakup topik yang berkaitan dengan related to sustainability. Overall, FIFGROUP employees
keberlanjutan. Secara keseluruhan, karyawan FIFGROUP recorded 233,274 training hours, with an average of 17.85
mencatat 233.274, jam pelatihan, dengan rata-rata 17,85 jam training hours per employee, demonstrating the Company’s
pelatihan per karyawan, menunjukkan komitmen kuat Perseroan strong commitment to providing equal skill development
dalam menyediakan kesempatan pengembangan keterampilan opportunities for all employees.
yang setara bagi seluruh karyawan.
Untuk mendukung agenda keberlanjutan Perseroan, FIFGROUP To support the Company’s sustainability agenda, FIFGROUP
juga melaksanakan pelatihan keuangan berkelanjutan yang also conducts sustainable finance training designed to improve
dirancang untuk meningkatkan pemahaman karyawan employees’ understanding of ESG (Environmental, Social,
terhadap isu-isu LST (Lingkungan, Sosial, dan Tata Kelola). and Governance) issues. Through this training, employees
Melalui pelatihan ini, karyawan dibekali kemampuan untuk are equipped with the ability to integrate a sustainability
mengintegrasikan perspektif keberlanjutan ke dalam kegiatan perspective into their respective operational activities and
operasional dan proses bisnis masing-masing. business processes.
Dengan pendekatan pengembangan SDM yang menyeluruh With a comprehensive and needs-based approach to human
dan berbasis kebutuhan, FIFGROUP memastikan bahwa capital development, FIFGROUP ensures that every employee
setiap karyawan tidak hanya memiliki kompetensi sesuai not only has the competencies required for their respective
peran masing-masing, tetapi juga siap berkontribusi pada roles, but is also ready to contribute to the Company’s
visi Pertumbuhan Berkelanjutan Perseroan. Pendekatan ini Sustainable Growth vision. This approach strengthens the
memperkuat daya saing perusahaan sekaligus membangun company’s competitiveness while building an inclusive and
budaya belajar yang inklusif dan berkesinambungan. sustainable learning culture.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Rata-rata Jam Pelatihan Per Tahun Per Average Training Hours Per Year Per Employee
Karyawan [GRI 404-1] [GRI 404-1]
2025 2024 2023
Jumlah Jumlah Jumlah
Karyawan Karyawan Karyawan
Jumlah Jumlah Jumlah
yang yang yang
Uraian Jam Rata-rata Jam Rata-rata Jam Rata-rata
Menerima Menerima Menerima
Description Pelatihan Jam Pelatihan Jam Pelatihan Jam
Pelatihan Pelatihan Pelatihan
Number Average Number Average Number Average
Number of Number of Number of
of Training Hours of Training Hours of Training Hours
Employees Employees Employees
Hours Hours Hours
Receiving Receiving Receiving
Training Training Training
Keseluruhan 233.274 23.327 17,85 220.587 12.311 17,92 213.628 12.021 14,10
Overall
Berdasarkan Jenis Kelamin
By Gender
Laki-laki 187.429 18.743 17,846 173.172 9.674 17,90 167.709 9.437 17,8
Male
Perempuan 45.846 4.585 17,847 47.415 2.637 17,94 45.919 2.584 17,8
Female
Berdasarkan Level Jabatan
By Position Level
Managerial* 25.577 984 29,048 21.849 861 25,37 21.160 841 25,17
Non- 223.437 22.344 15,789 198.891 11.450 17,37 192.616 11.180 17,23
Managerial
Penilaian Kinerja Karyawan [GRI 404-3] Employee Performance Appraisal [GRI 404-3]
Penilaian kinerja merupakan fondasi penting dalam memastikan Performance appraisal is an important foundation in ensuring
setiap karyawan FIFGROUP berkembang sesuai kapasitasnya that every FIFGROUP employee develops according to
dan memberikan kontribusi terbaik bagi organisasi. Sistem their capacity and contributes their best to the organization.
evaluasi yang digunakan dirancang berbasis keadilan, The evaluation system used is designed based on fairness,
transparansi, dan objektivitas, mencakup aspek integritas, transparency, and objectivity, covering aspects of integrity,
profesionalisme, pencapaian target, serta perilaku sehari-hari professionalism, target achievement, and daily behavior
di tempat kerja. Hasil penilaian ini menjadi dasar bagi berbagai in the workplace. The results of this assessment form the
keputusan strategis, termasuk promosi, manajemen talenta, basis for various strategic decisions, including promotions,
penghargaan kinerja, hingga intervensi pengembangan melalui talent management, performance awards, and development
coaching dan konseling. interventions through coaching and counseling.
Tahapan dan Metode Penilaian Kinerja Stages and Methods of Performance Appraisal
Sistem penilaian kinerja di FIFGROUP dilakukan secara The performance appraisal system at FIFGROUP is conducted
terstruktur sepanjang tahun melalui tiga komponen utama: in a structured manner throughout the year through three
main components:
1. Individual Activity Plan (IAP) 1. Individual Activity Plan (IAP)
Rencana aktivitas individu yang ditetapkan di awal tahun An individual activity plan is set at the beginning of the
sebagai acuan target kerja. IAP memastikan setiap karyawan year as a reference for work targets. The IAP affirms that
memahami prioritas aktivitas dan kontribusinya terhadap every employee understands their activity priorities and
tujuan unit dan perusahaan. their contribution to the goals of the unit and the company.
2. Individual Performance Plan (IPP) 2. Individual Performance Plan (IPP)
Parameter pengukuran keberhasilan kerja yang memuat A parameter for measuring work success that includes
indikator kinerja utama (KPI). IPP memberikan tolok ukur key performance indicators (KPIs). The IPP provides clear
yang jelas dan terukur untuk menilai output pekerjaan. and measurable benchmarks for assessing work output.
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
3. Individual Development Plan (IDP) 3. Individual Development Plan (IDP)
Rencana pengembangan kompetensi setiap individu, baik A plan for developing each individual's competencies, both
soft skills maupun technical skills, disusun berdasarkan soft skills and technical skills, based on job requirements
kebutuhan pekerjaan dan potensi karier. and career potential.
Proses Pemantauan dan Umpan Balik Kinerja Performance Monitoring and Feedback Process
Untuk memastikan konsistensi pelaksanaan rencana To achieve consistency in the implementation of work plans,
kerja, FIFGROUP menerapkan mekanisme pemantauan FIFGROUP implements a continuous monitoring mechanism:
yang berkelanjutan:
1. Review Bulanan 1. Monthly Review
Evaluasi berkala terhadap progres IAP dan IPP, termasuk Periodic evaluation of IAP and IPP progress, including the
penyusunan Problem Identification Corrective Action (PICA) preparation of Problem Identification Corrective Action
dan pemantauan KPI untuk memastikan setiap isu dapat (PICA) and KPI monitoring to ensure that every issue can
segera ditangani. be addressed immediately.
2. Performance & Development Feedback (PDF) 2. Performance & Development Feedback (PDF)
Dilakukan dua kali setahun, sesi PDF merupakan forum Conducted twice a year, PDF sessions are a forum for
dialog antara atasan dan karyawan untuk membahas dialogue between supervisors and employees to discuss
pencapaian, hambatan, dan rencana pengembangan achievements, obstacles, and future development plans.
selanjutnya. Proses ini diperkuat dengan coaching This process is reinforced with coaching and counseling.
dan counseling.
Penilaian Akhir dan Komite Evaluasi Final Assessment and Evaluation Committee
Pada akhir tahun, FIFGROUP mengadakan evaluasi At the end of the year, FIFGROUP conducts a comprehensive
komprehensif untuk menentukan hasil kinerja tahunan: evaluation to determine annual performance results:
1. Self-Appraisal 1. Self-Appraisal
Karyawan melakukan penilaian diri berdasarkan pencapaian Employees conduct self-assessments based on KPI
KPI, kualitas kerja, dan penerapan nilai-nilai perusahaan. achievements, work quality, and the application of
company values.
2. Komite Penilaian Berjenjang 2. Tiered Assessment Committee
Hasil self-appraisal kemudian diverifikasi melalui komite An Assessment committee then verifies the results of the
penilaian untuk memastikan obyektivitas, akurasi, dan self-appraisal to ensure objectivity, accuracy, and alignment
keselarasan dengan standar perusahaan. Komite ini with company standards. This committee plays an important
memainkan peran penting dalam memutuskan hasil akhir role in determining the final results, promotions, and further
penilaian, promosi, dan program pengembangan lanjutan. development programs.
Penilaian ini memberikan dasar yang jelas dan terukur untuk This assessment provides a clear and measurable basis for
pengambilan keputusan terkait pengembangan karier, decision-making related to career development, performance
pengelolaan kinerja, dan pemberian apresiasi kepada karyawan management, and recognition of high-performing employees.
yang berprestasi.
Cakupan Evaluasi Kinerja Scope of Performance Evaluation
Hingga 31 Desember 2025, sebanyak 12.787 karyawan atau As of December 31, 2025, 12,787 employees, or 88.73% of the
88.73% dari total karyawan telah mengikuti proses penilaian total workforce, have participated in the annual performance
kinerja tahunan. Cakupan yang luas ini memastikan bahwa appraisal process. This broad scope ensures that the evaluation
sistem evaluasi tidak hanya menjadi alat penilaian, tetapi juga system is not only an assessment tool but also a means of
sarana pengembangan berkelanjutan bagi setiap individu. continuous development for each individual.
Dengan sistem penilaian kinerja yang menyeluruh dan With a comprehensive and development-oriented performance
berorientasi pada pengembangan, FIFGROUP memastikan appraisal system, FIFGROUP ensures that every employee has
bahwa setiap karyawan memiliki kesempatan untuk tumbuh, the opportunity to improve, develop, and contribute maximally
berkembang, serta memberikan kontribusi maksimal terhadap to the company's success and sustainability. This system also
keberhasilan dan keberlanjutan perusahaan. Sistem ini strengthens the organization’s competitiveness and creates a
sekaligus memperkuat daya saing organisasi dan menciptakan high-achieving work culture.
budaya kerja yang berprestasi tinggi.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Menjaga Layanan Berkualitas
Maintaining Quality Service
FIFGROUP senantiasa menjaga kualitas layanan dengan menghadirkan solusi
responsif terhadap kebutuhan pelanggan melalui saluran komunikasi yang
mudah diakses dan melakukan evaluasi berkala terhadap sistem pelayanan serta
menindaklanjuti setiap masukan untuk memastikan kepuasan pelanggan tetap
terjaga di tingkat optimal.
FIFGROUP consistently maintains service quality by providing responsive solutions to customer
needs through easily accessible communication channels, conducting periodic evaluations of its
service systems, and following up on all feedback to ensure that customer satisfaction remains at
an optimal level.
Melindungi Keamanan Data dan Privasi Protecting Data Security and Customer Privacy
Pelanggan [OJK F.28][GRI 3-3] [OJK F.28][GRI 3-3]
FIFGROUP memastikan kesejahteraan pelanggan melalui FIFGROUP ensures customer welfare through a comprehensive
rangkaian kebijakan perlindungan konsumen yang set of consumer protection policies, ranging from providing
komprehensif, mulai dari penyediaan layanan yang aman, akses secure services and transparent access to information to easily
informasi yang transparan, hingga mekanisme pengaduan accessible complaint mechanisms. The Company consistently
yang mudah diakses. Perseroan secara konsisten memantau monitors service quality through satisfaction surveys, follows
kualitas layanan melalui survei kepuasan, menindaklanjuti setiap up on every input, and improves its service system based
masukan, serta memperbaiki sistem pelayanan berdasarkan on customer feedback. This approach ensures a customer
umpan balik pelanggan. Pendekatan ini memastikan experience that is oriented towards security, comfort, and
pengalaman pelanggan yang berorientasi pada keamanan, service certainty. [ACGS C.4.1]
kenyamanan, dan kepastian layanan. [ACGS C.4.1]
Dalam industri pembiayaan yang semakin terdigitalisasi, In an increasingly digitized financing industry, customer
keamanan informasi pelanggan menjadi prioritas fundamental information security is a fundamental priority for FIFGROUP.
bagi FIFGROUP. Perseroan memastikan setiap data pribadi The Company assures that all personal data and customer
dan transaksi pelanggan diproses secara aman, akurat, dan transactions are processed securely, accurately, and only for
hanya untuk tujuan yang telah disetujui. Pengelolaan privasi approved purposes. Privacy management is carried out in
dilakukan dengan mematuhi peraturan yang berlaku, termasuk compliance with applicable regulations, including POJK No.
POJK No. 6/POJK.07/2022 tentang Perlindungan Konsumen 6/POJK.07/2022 concerning Consumer Protection and POJK
dan POJK No. 4/POJK.05/2021 tentang Manajemen Risiko TI. No. 4/POJK.05/2021 concerning IT Risk Management.
Untuk meningkatkan ketahanan keamanan informasi, FIFGROUP To improve information security resilience, FIFGROUP operates a
mengoperasikan infrastruktur keamanan yang diperkuat melalui security infrastructure that is reinforced through ISO 27001:2013,
ISO 27001:2013, penggunaan Multi-Factor Authentication (MFA), the use of Multi-Factor Authentication (MFA), and regular system
dan pembaruan sistem secara berkala. Pelatihan kesadaran updates. Cyber security awareness training is provided to all
keamanan siber diberikan kepada seluruh karyawan agar employees so that they understand how to manage devices,
mereka memahami cara mengelola perangkat, menghindari avoid digital fraud, and maintain information confidentiality. The
penipuan digital, dan menjaga kerahasiaan informasi. Perseroan Company also communicates its privacy policy to customers
juga menyampaikan kebijakan privasi kepada pelanggan secara transparently through digital channels, including its official
transparan melalui kanal digital, termasuk situs resmi: https:// website: https://www.fifgroup.co.id/kebijakan-privasi.
www.fifgroup.co.id/kebijakan-privasi.
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Sepanjang tahun 2025, Perseroan tidak menggunakan data Throughout 2025, the Company did not use customer data
pelanggan untuk tujuan sekunder, termasuk tidak menjual atau for secondary purposes, including selling or sharing data with
membagikan data kepada pihak ketiga untuk kepentingan third parties for commercial purposes. If certain data is used,
komersial. Apabila terdapat pemanfaatan data tertentu, such information is only used based on the explicit consent
informasi tersebut hanya dilakukan berdasarkan persetujuan (opt-in) of the customer, and not as a mandatory requirement
eksplisit (opt-in) pelanggan, dan bukan sebagai syarat wajib for using the service.
dalam penggunaan layanan.
Kebijakan penggunaan data sekunder dijelaskan secara The policy on secondary data use is explained transparently
terbuka kepada pelanggan pada saat pengisian formulir atau to customers when filling out forms or using digital services.
penggunaan layanan digital. [SASB FN-CF-220a.1] [SASB FN-CF-220a.1]
Perseroan tidak mengalami kerugian finansial akibat tidak ada The Company did not suffer any financial losses due to legal
proses hukum yang terkait penggunaan data pelanggan pada proceedings related to the use of customer data during the
tahun berjalan. [SASB FN-CF-220a.2] current year. [SASB FN-CF-220a.2]
Keamanan Sistem dan Pencegahan System Security and Data Breach Prevention
Pelanggaran Data
FIFGROUP menerapkan pendekatan komprehensif dalam FIFGROUP implements a comprehensive approach to detecting,
mendeteksi, mencegah, dan menangani risiko keamanan siber. preventing, and addressing cybersecurity risks. Monitoring is
Pemantauan dilakukan 24/7 melalui mekanisme keamanan conducted 24/7 through multi-layered security mechanisms,
berlapis, termasuk deteksi anomali, penetrasi berkala, serta including anomaly detection, periodic penetration testing, and
evaluasi kerentanan sistem. system vulnerability assessments.
Pada tahun 2025: In 2025:
Jumlah pelanggaran data: 0 kejadian Number of data breaches: 0 incidents
Persentase pelanggaran data pribadi: 0% Percentage of personal data breaches: 0%
Jumlah pelanggan yang terdampak: 0 Number of affected customers: 0
[SASB FN-CF-230a.1] [SASB FN-CF-230a.1]
Pendekatan pengelolaan risiko TI terus ditingkatkan dengan The IT risk management approach continues to be improved
menyesuaikan perkembangan ancaman, termasuk serangan by adapting to developments in threats, including attacks
melalui mobile banking, malware, phishing, ransomware, dan via mobile banking, malware, phishing, ransomware, and
social engineering. social engineering.
Penanganan Pengaduan dan Kepatuhan Privasi > POV IT terkait Complaint Handling and Privacy Compliance > IT POV regarding
pelanggaran privasi, kebocoran data, atau kehilangan data privacy violations, data leaks, or customer data loss not from
pelanggan bukan dari Pengaduan konsumen consumer complaints
Selama tahun 2025, FIFGROUP tidak menerima pengaduan During 2025, FIFGROUP did not receive any proven complaints
yang terbukti terkait pelanggaran privasi, kebocoran data, related to privacy violations, data leaks, or customer data loss
atau kehilangan data pelanggan dari regulator maupun pihak from regulators or external parties. [GRI 418-1]
eksternal. [GRI 418-1]
Selain itu, seluruh proses pengaduan terkait layanan dan privasi In addition, all complaints related to services and privacy
ditangani mengikuti standar pelayanan konsumen, termasuk are handled in accordance with customer service standards,
melalui FIFGROUP Contact Center dan kanal resmi Perseroan. including through the FIFGROUP Contact Center and the
Company's official channels.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Kepatuhan dan Evaluasi Keamanan TI IT Security Compliance and Evaluation
Seluruh kejadian yang terkait keamanan data dicatat dan All incidents related to data security are recorded and reported
dilaporkan melalui mekanisme kepatuhan internal. Hingga through internal compliance mechanisms. As of the end of
akhir 2025, tidak terdapat tindakan hukum atau sanksi regulator 2025, there have been no legal actions or regulatory sanctions
terkait keamanan informasi atau privasi pelanggan. Proses audit related to information security or customer privacy. Internal IT
keamanan TI internal dilakukan secara berkala. security audits are conducted on a regular basis.
Inovasi dan Pengembangan Produk dan/atau Innovation and Development of Sustainable
Jasa Keuangan Berkelanjutan [OJK F.26] Financial Products and/or Services[OJK F.26]
Di tengah percepatan transformasi digital, FIFGROUP terus Amidst the acceleration of digital transformation, FIFGROUP
memperluas kapabilitas teknologinya untuk menghadirkan continues to expand its technological capabilities to provide
layanan pembiayaan yang lebih cerdas, cepat, dan smarter, faster, and more sustainable financing services. In
berkelanjutan. Pada tahun 2025, FIFGROUP meluncurkan 2025, FIFGROUP launched its latest digital application, FIFGO,
aplikasi digital terbaru, FIFGO, sebagai bagian dari komitmen as part of the company’s commitment to strengthening digital
perusahaan dalam memperkuat transformasi digital dan transformation and improving service quality for customers.
meningkatkan kualitas layanan kepada pelanggan. FIFGO FIFGO is an upgrade from the previous application, FIFGROUP
merupakan pengembangan dari aplikasi sebelumnya, Mobile Customer (FMC), which has been downloaded more than
FIFGROUP Mobile Customer (FMC), yang telah diunduh lebih 5.1 million times. With the tagline “All FIFGROUP Services in One
dari 5,1 juta kali. Dengan mengusung tagline “Semua Layanan Hand,” FIFGO provides faster, more practical, and integrated
FIFGROUP dalam Satu Genggaman”, FIFGO menghadirkan financing services, including credit simulations, application
layanan pembiayaan yang lebih cepat, praktis, dan terintegrasi, tracking, installment payments, and real-time customer
termasuk simulasi kredit, pelacakan pengajuan, pembayaran complaint services.
angsuran, serta layanan pengaduan konsumen secara real-time.
Integrasi dengan AstraPay dan fitur AstraPoints memberikan Integration with AstraPay and the AstraPoints feature adds value
nilai tambah melalui kemudahan transaksi nontunai serta sistem through the convenience of cashless transactions and a points-
loyalitas berbasis poin. Selain itu, melalui fitur FIFGROUP SOLUSI based loyalty system. Additionally, through the FIFGROUP
(Sistem Online Layanan Pengaduan Terintegrasi), pelanggan SOLUSI (Integrated Online Complaint Service System) feature,
dapat menyampaikan aspirasi dan memantau penyelesaian customers can submit their concerns and monitor the resolution
pengaduan secara transparan, sehingga memperkuat of complaints transparently, thereby strengthening consumer
perlindungan konsumen dan praktik tata kelola yang akuntabel. protection and accountable governance practices.
FIFGROUP juga melakukan pembaruan menyeluruh pada FIFGROUP has also conducted a comprehensive update of
situs resmi perusahaan guna memastikan akses layanan yang its official website to ensure inclusive and flexible access
inklusif dan fleksibel, baik melalui perangkat mobile maupun to services, both via mobile and desktop devices. This
desktop. Digitalisasi ini turut mendukung efisiensi operasional digitalization also supports operational efficiency and reduces
dan pengurangan penggunaan dokumen fisik sebagai bagian the use of physical documents as part of more sustainable
dari upaya operasional yang lebih berkelanjutan. operational efforts.
Rangkaian inovasi ini menegaskan komitmen FIFGROUP This series of innovations reaffirms FIFGROUP's commitment
untuk menghadirkan layanan pembiayaan yang inklusif dan to providing inclusive and sustainability-oriented financing
berorientasi pada keberlanjutan. Dengan memadukan teknologi services. By combining digital technology and sustainable
digital dan prinsip keuangan berkelanjutan, FIFGROUP terus finance principles, FIFGROUP continues to build a service
membangun ekosistem layanan yang adaptif terhadap ecosystem that is adaptive to the needs of the society while
kebutuhan masyarakat sekaligus mendukung pertumbuhan supporting responsible business growth.
bisnis yang bertanggung jawab.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Tanggung Jawab Produk dan Layanan [OJK F.17] Product and Service Responsibility [OJK F.17]
FIFGROUP memastikan bahwa setiap produk dan layanan yang FIFGROUP ensures that every product and service offered to
ditawarkan kepada konsumen memenuhi standar keamanan, consumers meets safety, suitability, and regulatory compliance
kelayakan, dan kepatuhan regulasi. Seluruh portofolio produk standards. The entire product portfolio (100%) has undergone
(100%) telah melalui proses penilaian dampak kesehatan dan a health and safety impact assessment process prior to
keselamatan sebelum dipasarkan, termasuk telaah risiko, marketing, including risk analysis, product feature evaluation,
evaluasi fitur produk, serta kepatuhan terhadap ketentuan and compliance with applicable regulatory requirements. The
regulator yang berlaku. Perseroan mengacu pada Peraturan Company refers to Financial Services Authority Regulation
Otoritas Jasa Keuangan No. 22 Tahun 2023 mengenai No. 22 of 2023 concerning Consumer Protection as the main
Perlindungan Konsumen sebagai landasan utama dalam basis for ensuring service safety. There were no findings of
memastikan keamanan layanan. Tidak terdapat temuan violations or products withdrawn from circulation during the
pelanggaran atau produk yang ditarik dari peredaran sepanjang reporting period. [OJK F.29][GRI 416-1, 417-3]
periode pelaporan. [OJK F.29][GRI 416-1, 417-3]
Untuk menjamin transparansi, FIFGROUP menyediakan To achieve transparency, FIFGROUP provides complete
informasi produk secara lengkap melalui berbagai kanal-mulai product information through various channels, ranging from
dari situs resmi, aplikasi digital, media sosial, materi cetak, its official website, digital applications, social media, printed
hingga edukasi langsung oleh petugas di cabang. Seluruh materials, to direct education by officers at its branches. All
komunikasi pemasaran menjalani proses verifikasi internal marketing communications undergo an internal verification
untuk memastikan tidak ada klaim menyesatkan dan seluruh process to ensure that there are no misleading claims and that
syarat layanan disampaikan dengan jelas kepada konsumen. all terms of service are clearly communicated to consumers.
Sepanjang tahun pelaporan, tidak ditemukan insiden terkait Throughout the reporting year, there were no incidents related
komunikasi pemasaran, pelabelan yang tidak sesuai, maupun to marketing communications, inappropriate labeling, or non-
ketidakpatuhan terhadap persyaratan penyediaan informasi compliance with product information provision requirements.
produk. [GRI 2-27, 417-1, 417-2] [GRI 2-27, 417-1, 417-2]
Persetujuan pelanggan selalu menjadi tahap wajib sebelum Customer approval is always a mandatory step before a
kontrak pembiayaan disetujui. Proses ini dilakukan melalui financing contract is approved. This process is conducted
formulir fisik maupun digital dengan prinsip informed consent, through physical and digital forms based on the principle of
memastikan pelanggan memahami hak dan kewajiban, biaya, informed consent, enabling customers to understand their
risiko, serta fitur produk yang dipilih. Perseroan juga memastikan rights and obligations, costs, risks, and features of the selected
seluruh keluhan terkait kualitas produk, informasi pemasaran, product. The Company also ensures that all complaints related
atau risiko kesehatan dan keselamatan tercatat, dianalisis, to product quality, marketing information, or health and safety
dan ditindaklanjuti melalui sistem pengaduan resmi. Hingga risks are recorded, analyzed, and followed up through an
akhir 2025, tidak terdapat keluhan signifikan terkait dampak official complaint system. Until the end of 2025, there were no
kesehatan dan keselamatan akibat produk atau layanan significant complaints related to the health and safety impacts
FIFGROUP. [OJK F.27][GRI 416-2] of FIFGROUP’s products or services. [OJK F.27][GRI 416-2]
Melalui langkah ini, FIFGROUP menegaskan komitmennya Through this step, FIFGROUP affirms its commitment as a
sebagai penyedia layanan pembiayaan yang bertanggung responsible, transparent, and consumer-oriented financing
jawab, transparan, dan berorientasi pada perlindungan service provider to create a safe and reliable experience.
konsumen untuk menciptakan pengalaman yang aman
dan terpercaya.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
FIFGROUP menjaga hak-hak kreditur melalui penerapan prinsip FIFGROUP protects the rights of creditors by applying the
kehati-hatian, transparansi informasi, dan tata kelola yang principles of prudence, information transparency, and
sesuai dengan ketentuan regulator. Perseroan memastikan governance in accordance with regulatory requirements. The
setiap perjanjian pembiayaan memiliki persetujuan yang sah Company ensures that every financing agreement has valid
(informed consent), penyampaian informasi biaya dan risiko consent (informed consent), complete disclosure of costs and
secara lengkap, serta pengelolaan kontrak yang akuntabel. risks, and accountable contract management. In addition,
Selain itu, FIFGROUP menyediakan berbagai kanal layanan, FIFGROUP provides various service channels, including
termasuk pengaduan, klarifikasi kontrak, dan akses informasi complaints, contract clarification, and digital information access,
digital, untuk memastikan kreditur mendapatkan perlindungan so that creditors receive protection and legal certainty regarding
dan kepastian hukum atas hak-haknya. [ACGS. C.4.6] their rights. [ACGS. C.4.6]
Survei Kepuasan Konsumen [OJK F.30] Consumer Satisfaction Survey [OJK F.30]
FIFGROUP secara konsisten melaksanakan Survei Kepuasan FIFGROUP consistently conducts Consumer Satisfaction
Konsumen sebagai upaya menjaga kualitas layanan Surveys in an effort to maintain service quality and achieve
serta memastikan kepuasan konsumen. Hasil survei ini customer satisfaction. The results of these surveys also identify
juga mengidentifikasi area perbaikan yang perlu segera areas for improvement that need to be addressed immediately,
ditindaklanjuti, sehingga mendorong peningkatan kualitas thereby encouraging continuous improvement in service quality.
pelayanan secara berkelanjutan.
Pengukuran dilakukan melalui real-time feedback melalui mesin Measurements are conducted through real-time feedback
antrian pintar (FIONA-SIAP) dengan skala 1-5 pada cabang-cabang collected via the smart queue system (FIONA-SIAP) across
FIFGROUP. Hasil Survei Kepuasan Konsumen FIFGROUP tahun FIFGROUP branches, using a satisfaction scale of 1 to 5. The
2025 yaitu sebesar 4,93, menunjukan bahwa tingkat kepuasan 2025 FIFGROUP Consumer Satisfaction Survey recorded a
konsumen FIFGROUP dalam kategori sangat memuaskan (very score of 4.93, indicating that overall consumer satisfaction was
satisfied). Jumlah responden yang berpartisipasi dalam memberikan rated in the very satisfied category. A total of 710,595 consumers
rating sebanyak 710.595 konsumen, menunjukan adanya peningkatan participated in the survey, representing a 27% increase
jumlah responden sebesar 27% jika dibandingkan tahun 2024 yang compared to 2024, which recorded 558,855 respondents.
mencatat sebanyak 558.855 responden.
Melalui Survei Kepuasan Konsumen ini, FIFGROUP terus Through this Customer Satisfaction Survey, FIFGROUP
memperkuat komitmennya dalam menghadirkan pengalaman continues to strengthen its commitment to delivering superior
layanan yang unggul sesuai kebutuhan pelanggan. service experiences tailored to customer needs.
Uraian
2025 2024 2023
Description
Hasil Survei 4,93 4,93 4,91
Survey Results
% Pencapaian Hasil Survei terhadap Target 140,86 140,72 140,36
% Achievement of Survey Results Against Target
Mekanisme Pengelolaan Pengaduan Grievance Management Mechanism
[OJK F.16, F.24][GRI 2-25] [OJK F.16, F.24][GRI 2-25]
FIFGROUP senantiasa berkomitmen untuk meningkatkan FIFGROUP is committed to improving service quality by
kualitas layanan dengan menyediakan berbagai saluran resmi providing various official channels for customers and the
bagi pelanggan dan masyarakat umum dalam menyampaikan general public to submit requests for information, suggestions
permintaan informasi, saran atau masukan, serta pengaduan. or feedback, as well as complaints/grievance. All complaint
Seluruh kanal pengaduan-baik melalui media cetak, media channels—whether through print media, electronic media, the
elektronik, Aplikasi Portal Perlindungan Konsumen OJK (APPK), OJK Consumer Protection Portal Application (APPK), or direct
maupun pengajuan secara langsung melalui kantor cabang submissions through branch offices and head office. [OJK F.16]
dan kantor pusat. [OJK F.16]
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Selain pengaduan terkait layanan keuangan, FIFGROUP juga In addition to complaints related to financial services, FIFGROUP
membuka akses pelaporan bagi masyarakat atas pelaksanaan also provides access for the public to report on the implementation
program Tanggung Jawab Sosial dan Lingkungan (TJSL) serta of its Social and Environmental Responsibility (TJSL) programs and
isu lingkungan hidup untuk memastikan transparansi dan environmental issues to ensure transparency and accountability
akuntabilitas kegiatan sosial perusahaan. [OJK F.24] in the company's social activities. [OJK F.24]
Seluruh laporan pengaduan yang disampaikan melalui kantor All complaints submitted through branch offices are received
cabang diterima oleh Customer Relation Executive (CRE), yang by the Customer Relations Executive (CRE), who is responsible
bertanggung jawab melakukan verifikasi, serta menyampaikan for verifying them and providing follow-up information to the
informasi hasil tindak lanjut sesuai prosedur kepada pelapor. complainant in accordance with procedures. Throughout 2025,
Sepanjang tahun 2025, FIFGROUP mencatatkan tidak ada FIFGROUP recorded no complaints related to TJSL programs or
pengaduan terkait program TJSL maupun isu lingkungan, serta environmental issues, and no financial losses related to legal
tidak ada kerugian finansial yang berkaitan dengan proses proceedings concerning product sales and services. [GRI 2-25]
hukum atas penjualan dan layanan produk. [GRI 2-25]
Pada tahun 2025, FIFGROUP tidak menerima pengaduan pelanggan In 2025, FIFGROUP did not receive any customer complaints
terkait program TJSL maupun isu lingkungan yang berujung pada related to TJSL programs or environmental issues that resulted
pemberian ganti rugi baik dalam bentuk moneter maupun non- in compensation in either monetary or non-monetary form,
moneter sesuai kategori yang diatur dalam standar SASB. Hal ini as categorized in the SASB standards. This reflects the
mencerminkan efektivitas proses penyelesaian dan kualitas layanan effectiveness of the resolution process and the quality of
yang diberikan oleh Perseroan. [SASB FN-CF-270a.4] services provided by the Company. [SASB FN-CF-270a.4]
Selain itu, tidak terdapat kerugian keuangan akibat proses Moreover, there were no financial losses resulting from legal
hukum yang berkaitan dengan kegiatan pemasaran proceedings related to marketing activities or product services
maupun layanan produk selama periode pelaporan. during the reporting period. [SASB FN-CF-270a.5]
[SASB FN-CF-270a.5]
Kontak pengaduan pelanggan
Customer complaint contact :
Call Center : HaloFIF 1500-343
Virtual Customer Service (Fiona) di webchat
WhatsApp & SMS : (0895-21500-343)
E-mail : halofif@fifgroup.astra.co.id
Media sosial : FIFCLUB
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Meningkatkan Kesejahteraan
Masyarakat [OJK F.23, F.25]
Improving Community Welfare
Melalui program CSR yang berlandaskan empat pilar utama, yaitu FIFGROUP
Sehat, FIFGROUP Pintar, FIFGROUP Sejahtera, dan FIFGROUP Lestari, serta
didukung oleh pilar pendukung FIFGROUP Peduli, Perseroan terus menanamkan
nilai kemanfaatan bagi masyarakat dan lingkungan. Setiap program dirancang
untuk menghadirkan perubahan yang lebih bermakna dan memastikan manfaat
yang berkelanjutan dapat dirasakan oleh berbagai lapisan masyarakat.
Through CSR programs based on four main pillars, namely FIFGROUP Sehat, FIFGROUP Pintar,
FIFGROUP Sejahtera, and FIFGROUP Lestari, and supported by the supporting pillar of FIFGROUP
Peduli, the Company continues to instill values of benefit for the community and the environment.
Each program is designed to create meaningful impact and ensure that sustainable benefits are
experienced across diverse segments of society.
Bagi FIFGROUP, keberlanjutan bukan hanya tentang For FIFGROUP, sustainability is not only about business growth,
pertumbuhan bisnis, tetapi juga tentang bagaimana kehadiran but also about how the Company’s presence adds value to
Perseroan memberi nilai tambah bagi masyarakat di sekitarnya. the surrounding community. Every year, various social and
Setiap tahun, berbagai program tanggung jawab sosial dan environmental responsibility programs are designed to address
lingkungan dirancang untuk menjawab kebutuhan nyata the real needs of the community while mitigating the potential
masyarakat sekaligus memitigasi potensi dampak negatif negative impacts of business activities. This approach makes
dari aktivitas usaha. Pendekatan ini membuat inisiatif sosial FIFGROUP’s social initiatives more than just philanthropic
FIFGROUP tidak sekadar kegiatan filantropi, tetapi bagian dari activities, but part of a joint journey with the community towards
perjalanan bersama masyarakat menuju kesejahteraan yang more equitable and sustainable prosperity.
lebih merata dan berkelanjutan.
Untuk memastikan setiap program berjalan secara terarah To have each program runs in a focused and impactful manner,
dan berdampak, FIFGROUP berpegang pada pedoman FIFGROUP adheres to comprehensive and integrated guidelines
yang komprehensif dan terintegrasi mulai dari kerangka ranging from international frameworks to internal policies.
internasional hingga kebijakan internal. Pedoman tersebut These guidelines include the Sustainable Development Goals
mencakup Sustainable Development Goals (SDGs) sebagai (SDGs) as a global reference, ISO 26000 on social responsibility,
acuan global, ISO 26000 tentang tanggung jawab sosial, national regulations such as Law No. 40 of 2007 on Limited
peraturan nasional seperti UU No. 40 Tahun 2007 tentang Liability Companies and Government Regulation No. 47 of 2012
Perseroan Terbatas dan PP No. 47 Tahun 2012 tentang on Social and Environmental Responsibility, POJK No. 51/2017
Tanggung Jawab Sosial dan Lingkungan, POJK No. 51/2017 concerning the Implementation of Sustainable Finance in the
tentang Penerapan Keuangan Berkelanjutan di sektor jasa financial services sector, as well as corporate sustainability
keuangan, serta aspirasi keberlanjutan korporasi melalui Astra aspirations through Astra 2030 Sustainability Aspirations. All
2030 Sustainability Aspirations. Keseluruhan rujukan ini menjadi of these references form the foundation that maintains the
fondasi yang menjaga relevansi, tata kelola, dan kontribusi relevance, governance, and contribution of the program to
program terhadap pembangunan berkelanjutan baik di tingkat sustainable development at both the national and global levels.
nasional maupun global.
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Pelaksanaan program CSR Perseroan dibagi menjadi empat The implementation of the Company’s TJSL program is divided
(4) pilar utama dan didukung oleh program filantropi/donasi: into four (4) main pillars and supported by philanthropy/
donation programs:
Berfokus kepada Berfokus kepada Berfokus kepada Berfokus kepada lingkungan
peningkatan kesehatan peningkatan pendidikan peningkatan perekonomian hidup dan iklim di Indonesia.
di Indonesia. Pilar ini di Indonesia. Pilar ini dan kesejahteraan Pilar ini bertujuan untuk
bertujuan untuk mendukung bertujuan untuk mendukung masyarakat di Indonesia. mendukung SDGs berikut:
• 1 (No Poverty)
SDGs berikut: SDGs berikut: Pilar ini bertujuan untuk
• 4 (Quality Education
• 1 (No Poverty) • 4 (Quality Education) mendukung SDGs berikut: • 6 (Clean Water &
• 2 (Zero hunger) • 17 (Partnership for • 1 (No Poverty) Sanitation)
• 3 (Good Health & The Goal) • 8 (Decent work & • 13 (Climate Action)
Well Being) Focuses on improving Economic Growth) • 15 (Life on Land)
• 11 (Sustainable Cities & education in Indonesia. This • 17 (Partnership for • 17 (Partnership for
Communities) pillar aims to support the The Goal) The Goal)
Focuses on improving following SDGs: Focuses on improving the Focuses on the environment
health in Indonesia. This • 4 (Quality Education) economy and welfare of the and climate in Indonesia.
This pillar aims to support
pillar aims to support the • 17 (Partnership for the people in Indonesia. This
the following SDGs:
following SDGs: Goals pillar aims to support the • 1 (No Poverty)
• 1 (No Poverty) following SDGs: • 4 (Quality Education)
• 2 (Zero Hunger) • 1 (No Poverty) • 6 (Clean Water &
• 3 (Good Health & Well- • 8 (Decent Work and Sanitation)
being) Economic Growth) • 13 (Climate Action)
• 11 (Sustainable Cities & • 17 (Partnership for • 15 (Life on Land)
Communities) the Goals) • 17 (Partnership for
the Goals)
Kegiatan yang mendukung dan mempromosikan kesejahteraan sosial atau kemanusiaan melalui
sumbangan dana, bantuan, atau program yang memiliki dampak positif.
Activities that support and promote social or humanitarian welfare through financial contributions,
assistance, or programs that have a positive impact.
Setiap program CSR yang dijalankan oleh FIFGROUP melalui Every CSR program organized by FIFGROUP goes through
serangkaian tahapan yang terstruktur. Kami memulai dengan a series of structured stages. We begin by conducting social
melakukan pemetaan sosial untuk mengidentifikasi potensi, mapping to identify the potential, challenges, and specific needs
tantangan, serta kebutuhan spesifik dari komunitas yang of the communities we focus on. The information obtained
menjadi fokus kami. Informasi yang diperoleh dari proses from this mapping process will serve as the main foundation
pemetaan ini akan menjadi landasan utama dalam merancang for designing and implementing appropriate and impactful CSR
dan melaksanakan program CSR yang sesuai dan berdampak programs. With an approach based on a deep understanding of
positif. Dengan pendekatan yang berbasis pada pemahaman community conditions, FIFGROUP is committed to get
mendalam terhadap kondisi masyarakat, FIFGROUP every program implemented provides appropriate and
berkomitmen untuk memastikan bahwa setiap program yang relevant solutions.
dijalankan dapat memberikan solusi yang tepat dan relevan.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Rangkaian langkah yang ditempuh untuk mengimplementasikan The series of steps taken to implement CSR activities include:
kegiatan CSR meliputi:
1. External Analysis, untuk membaca dinamika sosial, 1. External Analysis, to understand the social dynamics,
lingkungan, dan kebutuhan komunitas: Macro environment; environment, and community needs: Macro environment;
Industry attractiveness; Product/market segments Industry attractiveness; Product/market segments
2. Internal Analysis, guna memastikan kesiapan organisasi 2. Internal Analysis, to ensure the organization’s readiness
dalam menjalankan program yang berdampak: Company to implement impactful programs: Company Performance;
Performance; Business system; Capability & resources Business system; Capability & resources
3. Forming Strategic Vision, menyelaraskan arah program 3. Forming Strategic Vision, aligning the direction of the
dengan nilai dan aspirasi jangka panjang Perseroan: program with the Company’s long-term values and
Setting objective; Formulating how to achieve the desired aspirations: Setting objectives; Formulating how to achieve
the desired
4. Strategy Formulation, merancang program yang tepat 4. Strategy Formulation, designing targeted and relevant
sasaran dan relevan: Creating Calendar of Event (CoE) programs: Creating Calendar of Events (CoE)
5. Strategy Implementation, mengeksekusi kegiatan sosial 5. Strategy Implementation, executing social activities with
bersama masyarakat dan pemangku kepentingan: Program the community and stakeholders: Program Implementation
Implementation
6. Strategy Evaluation, mengevaluasi dampak serta ruang 6. Strategy Evaluation, evaluating the impact and areas for
perbaikan pada setiap program: Monitoring & Evaluation improvement in each program: Monitoring & Evaluation
of the program of the program
Seluruh hasil pemantauan dan evaluasi ini dilaporkan kembali All monitoring and evaluation results are reported back to
kepada manajemen sebagai dasar penyempurnaan program di management as a basis for program improvement in the
tahun berikutnya. Dengan proses yang terus berputar seperti following year. With a continuous learning cycle process,
siklus pembelajaran, FIFGROUP dapat memastikan bahwa FIFGROUP believes that each CSR program is not only
setiap program CSR bukan hanya terlaksana, tetapi juga implemented but also increasingly effective, inclusive, and
semakin efektif, inklusif, dan memberikan manfaat yang lebih provides broader benefits over time.
luas dari waktu ke waktu.
FIFGROUP SEHAT [GRI 203-1]
Aspek kesehatan berdampak pada produktivitas dan Health aspects have an impact on the productivity and
kesejahteraan kehidupan masyarakat. Pemerintah welfare of the community. The Indonesian government has
Indonesia menjadikan aspek kesehatan sebagai salah made health one of the priorities in its national development
satu prioritas dalam program pembangunan bangsa menuju program towards Indonesia Emas 2045. Therefore, we
Indonesia Emas 2045. Oleh karena itu, kami berkolaborasi collaborate with various stakeholders in an effort to improve
dengan berbagai pemangku kepentingan dalam upaya the health of the community through the FIFGROUP Sehat
peningkatan derajat kesehatan masyarakat melalui pilar pillar. This is done through various health programs that
FIFGROUP Sehat. Melalui berbagai program kesehatan target a wide range of beneficiaries.
yang menyasar beragam penerima manfaat.
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Program Posyandu
Posyandu Program
Posyandu merupakan salah satu bentuk Upaya Kesehatan Posyandu is a form of Human Capital-Based Health Efforts
Bersumber Daya Manusia (UKBM) yang dikelola dan (UKBM) that is managed and organized with the involvement
diselenggarakan dengan melibatkan masyarakat dalam of the community in independent health development
upaya penyelenggara pembangunan kesehatan secara efforts. Posyandu provides access and facilities for the
mandiri. Posyandu memberikan akses dan fasilitas bagi community in the provision of basic health services.
masyarakat dalam pemberian pelayanan kesehatan dasar. Especially in efforts to reduce the Maternal Mortality Rate
Terutama dalam upaya penurunan Angka Kematian Ibu (MMR) and Infant Mortality Rate (IMR).
(AKI) dan Angka Kematian Bayi (AKB).
Sasaran kegiatan Posyandu adalah seluruh masyarakat. The target of Posyandu activities is the entire community,
Terutama masyarakat kelompok rentan yaitu bayi, anak especially vulnerable groups such as infants, toddlers,
balita, ibu hamil, ibu melahirkan, ibu nifas, ibu menyusui, pregnant women, postpartum women, breastfeeding
dan pasangan usia subur. mothers, and couples of reproductive age.
Posyandu berperan penting dalam membangun dan Posyandu plays an important role in developing and
memberikan pelayanan kesehatan dasar bagi masyarakat, providing basic health services for the community,
terutama bagi anak balita maupun ibu hamil. Posyandu especially for toddlers and pregnant women. Posyandu
telah dilaksanakan pada tingkat kelurahan/desa. Namun, has been implemented at the village/sub-district level.
sarana dan prasarana yang belum memadai menjadi However, inadequate facilities and infrastructure pose
tantangan yang dihadapi Posyandu. challenges for Posyandu.
Hal ini tentu dapat menghambat pelaksanaan kegiatan This can certainly hinder the implementation of health
pemeriksaan kesehatan anak, balita, maupun ibu hamil. check-ups for children, toddlers, and pregnant women. In
Sejalan dengan misi FIFGROUP, yaitu membawa kehidupan line with FIFGROUP’s mission, which is Bringing a Better
yang lebih baik bagi masyarakat, kami memberikan Life to Society, we provide assistance and support for
bantuan dan dukungan terhadap pelaksanaan posyandu the operation of Posyandu around our branches. Support
di sekitar cabang. Dukungan yang diberikan FIFGROUP provided by FIFGROUP through Posyandu activities is the
melalui kegiatan Posyandu adalah pemberian imunisasi provision of free immunizations through cooperation with
gratis melalui kerja sama dengan Puskesmas setempat. local health centers. This free immunization is also in line
Pemberian imunisasi gratis ini juga sejalan dengan with government programs.
program pemerintah.
Imunisasi wajib pada balita hingga anak usia sekolah Mandatory immunizations for toddlers to school-age
dapat mencegah penyakit yang dapat dicegah dengan children can prevent diseases that can be prevented by
imunisasi atau PD3I. Kegiatan yang dilakukan di Posyandu immunization or PD3I. Activities carried out at the Posyandu
diantaranya adalah pemberian bantuan berupa peralatan include providing assistance in the form of health equipment
kesehatan, seperti timbangan, alat pengukur tensi, serta such as scales, blood pressure monitors, and Personal
Alat Pelindung Diri (APD). Selain bantuan sarana dan Protective Equipment (PPE). In addition to providing facilities
prasarana, kami juga menyediakan makanan kepada ibu and infrastructure assistance, we also provide food to
dan balita saat kegiatan imunisasi berlangsung. Serta mothers and toddlers during immunization activities that
kami juga memberikan dukungan finansial untuk berbagai are taking place. We also provide financial support for
kegiatan tertentu yang dilakukan oleh kader Posyandu. various specific activities carried out by Posyandu cadres.
Pada tahun 2025, program Posyandu telah dilaksanakan By 2025, the Posyandu program were implemented
di 40 titik lokasi di seluruh Indonesia. Adapun jumlah at 40 locations throughout Indonesia. The number of
penerima manfaat dari program posyandu adalah sejumlah beneficiaries of the Posyandu program is 2,503. The
2.503. Dengan kegiatan yang dilaksanakan meliputi activities include the provision of facilities and infrastructure,
pemberian bantuan sarana dan prasarana, kegiatan immunization activities, and the provision of food during
imunisasi, dan pemberian makanan selama pelaksanaan immunization activities.
kegiatan imunisasi.
Kami berharap seluruh dukungan yang diberikan dapat We hope that all the support provided can improve the
meningkatkan kualitas pelaksanaan kegiatan Posyandu, quality of Posyandu activities, reach more beneficiaries, and
menjangkau lebih banyak penerima manfaat, dan improve the nutritional and health status of the community,
meningkatan status gizi dan kesehatan masyarakat especially mothers and infants.
terutama ibu dan balita.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Pemangku Kepentingan Program Posyandu
Posyandu Program Stakeholders
Puskesmas Dinas Kesehatan
Posyandu Community Health Center Health Office
Dampak Program
Program Impact
Jumlah Penerima Manfaat Hasil Perhitungan CSI Pelaksana Program Posyandu
Community Health Center CSI Calculation Results Posyandu Program Implementers
2.503 anak
children 3,83/4,00 40 lokasi
locations
Lokasi Pelaksanaan Posyandu
Posyandu Implementation Locations
Nama Cabang Tempat
Branch Name Location
Bekasi III Posyandu Sari Pesona 1
Bungur Posyandu Cempaka
Cirebon Puskesmas Majasem
Denpasar II Posyandu Tegalsari
Padang Posyandu Sawahan
Banyuwangi Posyandu Rambutan
Kadipaten Posyandu Cijati
Kota Pontianak II Posyandu Ananda
Malang Posyandu RW 9 Lowokwaru
Pamulang Posyandu Apel
Bandung IV Posyandu Dusun Tagog
Garut Posyandu Garut
Jakarta Pusat 2 Posyandu RW 14 Cipinang
Central Jakarta 2
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Nama Cabang Tempat
Branch Name Location
Kebumen Posyandu Sari Asih
Kepanjen Posyandu RW 2 Kepanjen
Kabupaten Cirebon II Posyandu Betet Arjawinangun
Cirebon Regency II
Karawang II Posyandu Meka Asih 8
Probolinggo Posyandu Mawar RW 01
Subang II Posyandu Kenanga 1
Surabaya 3 Posyandu Tanjungsari
Cileungsi Posyandu Kenanga 18
Lumajang Posyandu Cempaka RW 02
Padalarang Posyandu Melati RW 05
Semarang Posyandu Sartika
Surabaya Posyandu RW 14
Kabupaten Brebes II Posyandu Teratai dan Kenanga
Brebes Regency II
Medan II Posyandu Melati A
Pangkal Pinang Posyandu Camar II
Poso Posyandu Teratai
Rimbo Bujang Posyandu Melati
Kabupaten Malang II Posyandu Melati 1
Malang Regency II
Kabupaten Sidoarjo Posyandu Sidoarjo
Sidoarjo Regency
Kota Cimahi Posyandu Melati
Cimahi City
Kota Semarang II Posyandu Seruni
Semarang City II
Purwokerto Posyandu Karangduren
Bandung I Posyandu Bunga Tanjung
Banjar Posyandu Flamboyan 2
Jakarta Posyandu Cakung Timur
Martapura Posyandu Mawar II
Medan Posyandu Medan
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Sehat Ceria Tanpa Stunting (SECANTING)
Stunting masih menjadi salah satu tantangan kesehatan Stunting remains one of the biggest health challenges in
terbesar di Indonesia, sebuah kondisi kekurangan gizi Indonesia, a condition of chronic malnutrition that hinders
kronis yang menghambat pertumbuhan fisik sekaligus both physical growth and cognitive development in children.
perkembangan kognitif anak. Dampaknya tak hanya Its effects are not only evident in height that is far below the
terlihat pada tinggi badan yang berada jauh di bawah age standard, but also in learning ability, physical resilience,
standar usia, tetapi juga pada kemampuan belajar, daya and future opportunities for children. Recognizing this
tahan tubuh, hingga peluang masa depan anak. Berangkat urgency, FIFGROUP launched the SeCanting Program, a
dari urgensi tersebut, FIFGROUP menghadirkan Program nutrition support initiative designed to help break the cycle
SeCanting, inisiatif pendampingan gizi yang dirancang of stunting from an early age.
untuk membantu memutus rantai stunting sejak dini.
Mengacu pada data Survei Status Gizi Indonesia (SSGI), According to data from the Indonesian Nutrition Status
prevalensi stunting nasional berada di angka 17,8% pada Survey (SSGI), the national stunting prevalence stood at
2023 dan menunjukkan penurunan signifikan menjadi 17.8% in 2023 and showed a significant decline to 25% in
25% pada 2025. Melalui SeCanting, FIFGROUP berupaya 2025. Through SeCanting, FIFGROUP aims to accelerate
mempercepat penurunan angka tersebut dengan this decline through a structured six-month approach,
pendekatan terstruktur selama enam bulan, bekerja collaborating with community health centers (Puskesmas)
sama dengan Puskesmas di lokasi sasaran. Program ini in target locations. The program encompasses three
mencakup tiga pilar utama: main pillars:
1. Dukungan gizi anak, berupa makanan sehat, vitamin, 1. Nutritional support for children, including healthy food,
serta pemantauan pertumbuhan berkala. vitamins, and regular growth monitoring.
2. Pendampingan ibu hamil, melalui USG gratis, edukasi 2. Support for pregnant women, including free ultrasounds,
gizi, dan bantuan makanan bernutrisi. nutrition education, and nutritious food assistance.
3. Penguatan fasilitas Posyandu, seperti penyediaan 3. Strengthening Posyandu facilities, such as providing
timbangan bayi dan sarana pendukung baby scales and health examination support equipment.
pemeriksaan kesehatan.
Daerah Penerima Manfaat
Beneficiary Areas
Jumlah Kota/Kabupaten
Number of Cities/Regencies 5 kota
cities
Pada tahun 2025, SeCanting hadir di 5 lokasi dengan By 2025, SeCanting organized in 5 locations, benefiting
total penerima manfaat mencapai 459 anak dari keluarga a total of 459 children from low-income families and
pra sejahtera dan 75 ibu hamil. Setiap dua bulan, tim 75 pregnant women. Every two months, the FIFGROUP
cabang FIFGROUP bersama kader Puskesmas melakukan branch team collaborates with Puskesmas cadres to
pemantauan tinggi dan berat badan untuk memastikan monitor children’s height and weight, ensuring optimal
perkembangan anak berjalan optimal. Di beberapa growth and development. In some areas, positive
titik, perubahan positif mulai terlihat dimana anak-anak changes are beginning to emerge, with children showing
menunjukkan kenaikan berat dan tinggi badan, meski ada increases in weight and height, though some still require
pula yang masih memerlukan pendampingan lanjutan. ongoing support.
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Selain bantuan gizi, FIFGROUP juga menyelenggarakan In addition to nutritional assistance, FIFGROUP also conducts
edukasi pencegahan stunting bagi orang tua dan masyarakat stunting prevention education for parents and the surrounding
sekitar, menekankan pentingnya nutrisi sejak masa kehamilan community, emphasizing the importance of nutrition from
hingga fase golden age anak. Dengan kombinasi dukungan pregnancy to the golden age of childhood. With a combination
gizi, pemeriksaan kesehatan, dan edukasi keluarga, program of nutritional support, health checks, and family education,
SeCanting dirancang bukan hanya sebagai bantuan jangka the SeCanting program is designed not only as short-term
pendek, tetapi sebagai fondasi bagi tumbuh kembang anak assistance but as a foundation for healthier growth and
Indonesia yang lebih sehat di masa depan. development of Indonesian children in the future.
Pemangku Kepentingan Program FIFGROUP Peduli Stunting
Stakeholders of FIFGROUP Peduli Stunting Program
Posyandu Puskesmas
Pemerintah Setempat Dinas Kesehatan
Integrated Health Community Health
Local Government Health Department
Service Post Center
Dampak Program
Program Impact
Pelaksana Program di
Pulau Jawa dan di Luar
Mengalami Penurunan
Jumlah Penerima Jumlah Penerima Pulau Jawa
Manfaat Stunting
Manfaat Program
Number of Beneficiaries Experienced a
Number of Beneficiaries Implementation on Java
Decrease in Stunting
Island and Outside Java
Island
459 anak
children 75 ibu hamil
pregnant women
46 anak / 25%
46 children / 25% 5 lokasi
locations
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Donor Darah
Blood Donation
Ketersediaan darah menjadi salah satu penopang utama Blood availability is one of the main pillars of national health
layanan kesehatan nasional. Dengan kebutuhan minimal services. With a minimum requirement of around 2% of
sekitar 2% dari total populasi, Indonesia memerlukan the total population, Indonesia needs millions of blood
jutaan kantong darah setiap tahun, jumlah yang terus bags every year, a number that continues to grow along
bertambah seiring pertumbuhan penduduk. Namun, with the population. However, the Indonesian Red Cross’s
kemampuan produksi darah di PMI belum sepenuhnya blood production capacity is not yet able to fully meet
mampu memenuhi kebutuhan tersebut, sehingga partisipasi this demand, making public and business participation
publik dan dunia usaha menjadi sangat penting. very important.
Melihat urgensi ini, FIFGROUP kembali menghadirkan Recognizing this urgency, FIFGROUP once again presented
program Donor Darah 2025 sebagai wujud kepedulian the 2025 Blood Donation program as a form of concern
terhadap kesehatan masyarakat. Melalui kampanye bertajuk for public health. Through a campaign titled “A Drop of
“Setetes Darahmu, Selamatkan Sejuta Jiwa”, kegiatan ini Your Blood, Save a Million Lives,” this activity was held
digelar serentak di 88 titik lokasi di seluruh Indonesia. simultaneously at 88 locations throughout Indonesia. The
Target awalnya adalah menghimpun 22.000 kantong darah, initial target was to collect 22,000 units of blood, but the
namun antusiasme masyarakat dan karyawan mendorong enthusiasm of the public and employees drove a higher
capaian yang lebih besar, dengan total realisasi mencapai achievement, with a total of 24,047 units of blood collected.
24.047 kantong darah.
Lokasi Pelaksanaan Donor Darah
Blood Donation Locations
Jumlah Kota/Kabupaten
Blood Donation Locations 88 Lokasi
Locations
Untuk menjangkau lebih banyak pendonor, FIFGROUP To reach more donors, FIFGROUP packaged this program
mengemas program ini secara inklusif dan engaging: in an inclusive and engaging manner: from massive
mulai dari publikasi masif melalui kanal internal dan publicity through internal and external channels, intensive
eksternal, koordinasi intensif dengan PMI setempat, hingga coordination with local PMI, to providing souvenirs and
penyediaan suvenir dan snack sebagai bentuk apresiasi snacks as a token of appreciation for the participants. This
bagi para peserta. Pendekatan yang lebih personal dan more personal and humanistic approach also encouraged
humanis ini turut mendorong kehadiran sukarelawan dari the participation of volunteers from various backgrounds.
berbagai kalangan.
Dari ruang kantor hingga balai warga, kegiatan donor darah From office spaces to community halls, FIFGROUP’s blood
FIFGROUP menjadi ruang kolaborasi yang mempertemukan donation activities became a space for collaboration that
semangat kepedulian dan solidaritas. Lebih dari sekadar brought together a spirit of care and solidarity. More than
program sosial tahunan, inisiatif ini membawa dampak nyata just an annual social program, this initiative had a real
dalam memperkuat cadangan darah nasional, memberikan impact in strengthening the national blood supply, giving life
peluang hidup bagi mereka yang membutuhkan, sekaligus to those in need, and instilling a culture of blood donation
menanamkan budaya donor darah sebagai aksi kecil yang as a small action that saves many lives.
menyelamatkan banyak nyawa.
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Pemangku Kepentingan Program Donor Darah
Stakeholders of the Blood Donation Program
Palang Merah Indonesia (PMI)
Indonesian Red Cross (PMI)
Dampak Program
Program Impact
Jumlah Kantong Darah Terkumpul Hasil Perhitungan CSI Jumlah Kantong Darah Terkumpul
Number of Blood Bags Collected CSI Calculation Results Number of Blood Bags Collected
24.047
kantong darah
3,85 / 4,00 88lokasi
blood bags locations
Rumah singgah
Rumah Singgah (Accomodation)
Di tengah kompleksitas proses pengobatan, tempat singgah Amidst the complexity of the treatment process, a
yang nyaman sering kali menjadi kebutuhan mendesak comfortable accomodation is often an urgent need for
bagi keluarga pasien, terutama mereka yang datang dari patients’ families, especially those who come from out
luar kota dan harus menjalani perawatan intensif. Menyadari of town and must undergo intensive care. Therefore,
hal tersebut, FIFGROUP menghadirkan Rumah Singgah, FIFGROUP presents Rumah Singgah, a peaceful space
sebuah ruang teduh yang dirancang untuk memberi designed to provide tranquility, accessibility, and support
ketenangan, aksesibilitas, dan dukungan bagi masyarakat for those in need during medical treatment.
yang membutuhkan selama masa perawatan medis.
Pada tahun 2025, FIFGROUP bekerja sama dengan RSU In 2025, FIFGROUP collaborated with RSU Hermina Depok,
Hermina Depok, salah satu rumah sakit rujukan BPJS, one of BPJS’s referral hospitals, to provide temporary
untuk menyediakan rumah singgah bagi keluarga pasien accommodation for underprivileged patients’ families who
kurang mampu yang membutuhkan tempat tinggal need temporary accommodation. Its location near the
sementara. Lokasinya yang berdekatan dengan rumah hospital makes mobility easier, allowing patients’ families
sakit membuat mobilitas lebih mudah, memungkinkan to accompany their loved ones without the burden of
keluarga pasien mendampingi anggota keluarganya tanpa accommodation costs.
beban biaya akomodasi.
Rumah singgah ini memiliki kapasitas hingga 2 orang, The accommodation has a capacity of up to 2 people and
lengkap dengan fasilitas dasar yang dibutuhkan untuk is equipped with basic facilities needed for daily care,
menjalani hari-hari perawatan antara lain tempat tidur including proper beds, a simple kitchen, bathrooms,
yang layak, dapur sederhana, kamar mandi, air minum, drinking water, staple foods, and a caretaker to ensure the
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makanan pokok, hingga penjaga rumah untuk memastikan safety and comfort of the residents. All these elements are
keamanan dan kenyamanan penghuni. Semua elemen designed so that families can focus on the recovery of their
ini dirancang agar keluarga dapat fokus pada pemulihan loved ones without having to worry about additional costs.
orang tercinta tanpa harus memikirkan biaya tambahan
yang membebani.
Untuk mengakses fasilitas ini, keluarga dapat mendaftar To access these facilities, families can register through
melalui PIC CSR Head Office, sementara RSU Hermina the PIC CSR Head Office, while RSU Hermina Depok can
Depok juga dapat memberikan rekomendasi bagi keluarga also provide recommendations for families of patients
pasien yang paling membutuhkan selama ketersediaan who are most in need, as long as there is sufficient
tempat masih mencukupi. Sepanjang tahun 2024, rumah availability. Throughout 2024, Rumah Singgah FIFGROUP
singgah FIFGROUP telah digunakan oleh 16 keluarga, (Accommodation) has been used by 16 families, with an
dengan rata-rata masa tinggal selama 7 hari. average stay of 7 days.
Melalui rumah singgah ini, FIFGROUP berharap dapat Through this accommodation, FIFGROUP aims to provide
memberikan ruang istirahat yang menenangkan, sekaligus a peaceful resting space while alleviating the financial
meringankan beban finansial dan emosional bagi keluarga and emotional burdens on patients’ families, as a tangible
pasien, sebagai wujud nyata dukungan perusahaan expression of the company’s support for public health
terhadap kesehatan dan kesejahteraan masyarakat. and well-being.
Pemangku Kepentingan Program Rumah Singgah
Stakeholders of Rumah Singgah Program
RSU Hermina Depok
Dampak Program
Program Impact
Total Tinggal di Rumah Singgah Jumlah Penghuni/Penerima Manfaat Hasil Perhitungan CSI
Total Days Stayed at the Number of Residents/Beneficiaries CSI Calculation Results
accommodation
112 hari
days 16 keluarga
families 3,80 / 4,00
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FIFGROUP PINTAR [GRI 203-2]
Melalui pilar FIFGROUP Pintar, Perseroan berfokus Through the FIFGROUP Pintar pillar, the Company focuses
mendukung peningkatan kualitas pendidikan Indonesia on supporting the improvement of education quality in
dengan pendekatan yang lebih relevan terhadap kebutuhan Indonesia with an approach that is more relevant to the
zaman. Program ini dirancang untuk membuka akses needs of the times. This program is designed to open up
pengetahuan bagi pelajar dan guru agar mereka mampu access to knowledge for students and teachers, so that
mengelola keuangan secara bijak di tengah pesatnya they are able to manage their finances wisely amid the
perkembangan teknologi dan layanan finansial. rapid development of technology and financial services.
Dengan format pelatihan fleksibel baik offline maupun With flexible training formats, both offline and online,
online, FIFGROUP Pintar berupaya menciptakan generasi FIFGROUP Pintar strives to create a generation that is not
yang tidak hanya cakap secara akademis, tetapi juga only academically competent but also has practical skills
memiliki kecakapan praktis yang dapat diterapkan dalam that can be applied in everyday life and the world of work.
kehidupan sehari-hari dan dunia kerja.
Program Menyarakan Literasi Melalui Aksi (Menyala)
Menyarakan Literasi Melalui Aksi (Menyala) Program
Dalam lanskap pendidikan Indonesia yang masih berjuang In the Indonesian education landscape, which is still
mengejar kualitas global, tantangan seperti rendahnya struggling to catch up with global quality, challenges such
skor PISA, tingginya pengangguran lulusan vokasi, serta as low PISA scores, high unemployment among vocational
maraknya penyalahgunaan teknologi dan pinjaman ilegal graduates, and rampant misuse of technology and illegal
menuntut perhatian serius. Pada saat yang sama, literasi loans demand serious attention. At the same time, financial
keuangan terus menjadi fondasi penting bagi generasi literacy continues to be an important foundation for the
muda agar mampu membuat keputusan cerdas di tengah younger generation to be able to make smart decisions
derasnya arus digitalisasi keuangan. amid the rapid flow of financial digitalization.
FIFGROUP mengambil peran strategis melalui Program FIFGROUP has taken on a strategic role through the
MENYALA (Menyuarakan Literasi Melalui Aksi), sebuah MENYALA (Promoting Literacy Through Action) Program,
inisiatif CSR di bawah pilar FIFGROUP Pintar yang a CSR initiative under the FIFGROUP Pintar pillar that
menghadirkan pendekatan komprehensif untuk presents a comprehensive approach to strengthening
memperkuat literasi dan kapasitas pendidikan. Dirancang literacy and educational capacity. Designed as a
sebagai program berkelanjutan yang menyentuh ekosistem sustainable program that touches the school ecosystem,
sekolah, mulai dari guru hingga siswa, MENYALA menjadi from teachers to students, MENYALA has become a space
ruang kolaborasi pendidikan vokasi dan keuangan, sejalan for vocational and financial education collaboration, in line
dengan Perpres 68/2022 dan POJK 76/2016 tentang inklusi with Presidential Regulation 68/2022 and POJK 76/2016
dan edukasi keuangan. on financial inclusion and education.
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Program ini menjadi jawaban atas berbagai kondisi This program is a response to various conditions in the
lapangan, mulai dari rendahnya pemahaman finansial, field, ranging from low financial understanding, high
tingginya risiko pinjol ilegal, hingga maraknya paparan risks of illegal online lending, to the rampant exposure
teknologi yang tidak terkendali. Dengan fokus literasi to uncontrolled technology. With financial literacy as the
keuangan sebagai tema utama 2025, MENYALA mengajak main theme for 2025, MENYALA invites vocational schools,
sekolah vokasi, universitas, dan guru di berbagai daerah universities, and teachers in various regions to participate
untuk terlibat dalam rangkaian kegiatan yang inspiratif in a series of inspiring and applicable activities.
dan aplikatif.
MENYALA terdiri dari lima komponen inti yang MENYALA consists of five interconnected core components:
saling terhubung:
1. Pelatihan Guru Literasi Keuangan 1. Financial Literacy Teacher Training
2. Jam Sosial Mengajar (Jamsos) 2. Social Teaching Hours (Jamsos)
3. Teacher Summit 3. Teacher Summit
4. Talent Pool 4. Talent Pool
5. Teacher Community 5. Teacher Community
Pelatihan Guru dilaksanakan melalui metode training-of- Teacher Training is conducted through the training-of-
trainer (ToT), menghadirkan pembelajaran aktif secara trainer (ToT) method, providing active online learning. This
daring. Program ini membina total sebanyak 5.405 Guru. program has trained a total of 5,405 teachers.
Selanjutnya, para guru yang sudah mengikuti Pelatihan Moreover, teachers who have participated in Teacher
Guru, selanjutnya akan mengajar secara langsung kepada Training will then teach directly to students in their
siswa-siswi di masing-masing sekolah. Kegiatan ini bertajuk respective schools. This activity is called FIFGROUP’s Social
Jam Sosial Mengajar (Jamsos) FIFGROUP. Pada 2025, Teaching Hours (Jamsos). In 2025, Jamsos was attended
Jamsos sudah diikuti oleh 31.746 siswa dari 209 Sekolah. by 31,746 students from 209 schools.
Berdasarkan hasil pelaksanakaan Jam Sosial Mengajar, Based on the results of the Social Teaching Hour, 37 of the
37 guru terbaik akan dipilih untuk melaju ke Teacher best teachers will be selected to advance to the Teacher
Summit, sebuah ajang penghargaan dari FIFGROUP Summit, an award event from FIFGROUP that celebrates
yang merayakan kreativitas, dedikasi, dan dampak their creativity, dedication, and educational impact.
edukatif mereka.
Melalui MENYALA, FIFGROUP berharap dapat membuka Through MENYALA, FIFGROUP hopes to open new
jalan baru bagi ekosistem pendidikan vokasi dimana avenues for the vocational education ecosystem where
guru menjadi fasilitator pembelajaran keuangan yang teachers become facilitators of more relevant financial
lebih relevan, siswa tumbuh sebagai generasi yang learning, students grow as a financially literate generation,
melek finansial, dan sekolah memperoleh model and schools obtain a stronger learning model. This program
pembelajaran yang lebih kuat. Program ini tidak sekadar is not merely a CSR activity, but a literacy movement that
hadir sebagai kegiatan CSR, tetapi sebagai pergerakan ignites opportunities, strengthens competencies, and
literasi yang menyalakan peluang, memperkuat brings hope for the future of education in Indonesia.
kompetensi, dan menghadirkan harapan bagi masa depan
pendidikan Indonesia.
Hasil pengukuran Success Rate kelulusan pre-test dan post- test seluruh peserta
program Jam Sosial Mengajar tahun 2025 adalah 100%
The success rate of pre-test and post-test graduation for all participants in the 2025 Social
Teaching Program is 100%.
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Pemangku Kepentingan Program MENYALA
MENYALA Program Stakeholders
Otoritas Jasa
Kemendikdasmen
Keuangan (OJK) ABB Learning Centre
Ministry of Education and Culture
Financial Services Authority (OJK)
Dampak Pelatihan Guru Literasi Keuangan
Impact of Financial Literacy Teacher Training
Indeks Literasi
Jumlah Penerima Manfaat Jumlah Sekolah Hasil Perhitungan CSI Keuangan Guru
Number of Beneficiaries Number of Schools CSI Calculation Results Teacher Financial
Literacy Index
5.405 1.791 3,88 / 4,00 3,46 / 4,00
guru Sekolah
teachers schools
Dampak Jam Sosial Mengajar Literasi Keuangan
Impact of Social Teaching Hours on Financial Literacy
Jumlah Penerima Manfaat Wilayah Penerima Manfaat Hasil Perhitungan CSI
Number of Beneficiaries Beneficiary Areas CSI Calculation Results
31.746 siswa
students 209 sekolah
schools 3,87/ 4,00
Jumlah Universitas Asal FYL Jumlah Provinsi Asal Universitas Jumlah Penerima Beasiswa
Number of Universities Number of Provinces of Origin for Number of Scholarship Recipients
Represented in FYL Universities
19 Universitas
Universities 9 Provinsi
Provinces 36 mahasiswa
students
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Program Beasiswa
Scholarship Program
Beasiswa FIFGROUP Young Leader (FYL) 2025 adalah The FIFGROUP Young Leader (FYL) Scholarship 2025 is a
wujud komitmen FIFGROUP dalam mendukung pemerataan manifestation of FIFGROUP’s commitment to supporting
akses pendidikan berkualitas di Indonesia, sejalan dengan equal access to quality education in Indonesia, in line with
tujuan pembangunan berkelanjutan di bidang pendidikan. Sustainable Development Goals in education. Through
Melalui program ini, FIFGROUP menjaring 2.477 pendaftar this program, FIFGROUP recruited 2,477 applicants from
dari berbagai wilayah dan memilih 36 mahasiswa/i terbaik various regions and selected 36 of the best students
sebagai penerima beasiswa, dengan total nilai bantuan as scholarship recipients, with a total assistance value
sebesar Rp324.000.000, di mana masing-masing peserta of Rp324,000,000, where each participant received a
menerima beasiswa senilai Rp9.000.000 yang disalurkan scholarship worth Rp9,000,000, which was distributed
secara bertahap. in stages.
Lebih dari sekadar bantuan finansial, FYL 2025 dirancang More than just financial assistance, FYL 2025 is designed as
sebagai Development Journey selama satu tahun a one-year Development Journey that hones the academic,
yang mengasah kompetensi akademis, karakter, dan character, and leadership competencies of Young Leaders.
kepemimpinan para Young Leader. Rangkaian program The series of programs began with an opening ceremony
dimulai dari seremoni pembukaan pada 1 Desember on December 1, 2025, followed by an Overview and In-
2025, dilanjutkan dengan Overview dan In Class Training Class Training for 5 days at Menara FIF Jakarta and 5
selama 5 hari di Menara FIF Jakarta dan 5 hari di Cabang days at FIFGROUP branches. This series aims to introduce
FIFGROUP. Rangkaian ini bertujuan untuk mengajak peserta participants to business processes and corporate culture,
mengenal proses bisnis, budaya perusahaan, sekaligus while honing their design thinking, leadership, creativity,
mengasah design thinking, kepemimpinan, kreativitas, and soft skills through the Seven Habits concept. The
hingga soft skills melalui konsep Seven Habits. Sesi ini session concludes with Team Building to strengthen
ditutup dengan Team Building untuk memperkuat kerja cooperation and interpersonal skills.
sama dan keterampilan interpersonal.
Setelah kembali ke daerah masing-masing, para After returning to their respective regions, the Young
Young Leader dibagi ke dalam beberapa kelompok Leaders are divided into several groups and receive six
dan selama enam bulan mendapatkan bimbingan months of mentoring to develop a Business Plan focused on
mentor untuk menyusun Business Plan yang berfokus the operational business development of FIFGROUP’s “ ,”
pada pengembangan operasional bisnis FIFGROUP, which is then presented in a Business Plan Competition with
yang kemudian dipresentasikan dalam Business Plan prizes totaling Rp45,000,000 for the three winning groups.
Competition dengan hadiah mencapai Rp45.000.000
untuk 3 kelompok pemenang.
Pada lima bulan terakhir, peserta mengikuti program In the final five months, participants joined an internship
magang di cabang FIFGROUP sebagai ajang belajar program at FIFGROUP branches as a professional learning
profesional sekaligus berperan sebagai Brand Ambassador. opportunity while also serving as Brand Ambassadors.
Usai menjalani perjalanan selama satu tahun penuh, para After completing the full-year journey, the Young Leaders
Young Leader masuk ke dalam talent pool FIFGROUP dan entered FIFGROUP’s talent pool and had the opportunity
berpeluang menjadi pegawai tetap, sekaligus generasi to become permanent employees, as well as the new
baru pemimpin muda yang siap menjawab tantangan dunia generation of young leaders ready to tackle the challenges
kerja masa depan. of the future workplace.
Overview FIFGROUP Young Leader (FYL) 2025
Overview of FIFGROUP Young Leader (FYL) 2025
Jumlah Universitas Asal FYL Jumlah Provinsi Asal Universitas Jumlah Penerima Beasiswa
Number of Universities Number of Provinces of Origin for Number of Scholarship Recipients
Represented in FYL Universities
19 Universitas
Universities 9 Provinsi
Provinces 36 mahasiswa
students
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FIFGROUP SEJAHTERA [GRI 203-2]
FIFGROUP Sejahtera hadir sebagai pilar pemberdayaan FIFGROUP Sejahtera serves as a pillar of community
masyarakat yang berfokus pada peningkatan kesejahteraan empowerment focused on improving social and economic
sosial dan ekonomi melalui dukungan nyata bagi pelaku well-being through tangible support for MSME actors.
UMKM. Melalui Program Dana Bergulir dan berbagai inisiatif Through the Revolving Fund Program and various other
tanpa bunga lainnya, FIFGROUP membantu pelaku usaha interest-free initiatives, FIFGROUP helps business actors
memperluas skala bisnis, meningkatkan daya saing, dan expand their business scale, increase competitiveness,
memperkuat fondasi ekonomi keluarga. Program ini tidak and strengthen the economic foundation of families.
hanya menyediakan akses permodalan yang lebih inklusif, This program not only provides more inclusive access to
tetapi juga membuka jalan bagi masyarakat di berbagai capital but also paves the way for communities in various
daerah untuk naik kelas secara berkelanjutan. Dengan regions to achieve sustainable upward mobility. With
komitmen tersebut, FIFGROUP berupaya menjadi mitra this commitment, FIFGROUP strives to be a partner that
yang mendorong perubahan positif dan memperbaiki drives positive change and improves the quality of life for
kualitas hidup masyarakat Indonesia, mulai dari usaha the Indonesian people, from small businesses and local
kecil, komunitas lokal, hingga ekosistem ekonomi yang communities to the broader economic ecosystem.
lebih luas.
Program Dana Bergulir
Revolving Fund Program
UMKM terus menjadi tulang punggung ekonomi Indonesia, MSMEs continue to be the backbone of Indonesia’s
baik dari sisi jumlah unit usaha maupun kontribusinya economy, both in terms of the number of business units
terhadap perekonomian nasional. Pada tahun 2025, and their contribution to the national economy. In 2025,
Indonesia memiliki 65 juta UMKM, mewakili 99% dari total Indonesia had 65 million MSMEs, representing 99% of
unit usaha, serta berkontribusi sekitar 61% terhadap PDB, total business units and contributing around 61% to GDP,
menjadikannya salah satu yang tertinggi dibanding negara making it one of the highest compared to other countries.
lain. Lebih dari itu, UMKM menyerap hingga 97% tenaga Moreover, MSMEs absorb up to 97% of the national
kerja nasional, mempertegas perannya sebagai penopang workforce, reinforcing their role as an economic pillar that
ekonomi yang memungkinkan Indonesia bertahan dalam has enabled Indonesia to survive various periods of crisis.
berbagai periode krisis.
Pemerintah juga merespons peran strategis ini melalui The government has also responded to this strategic role
berbagai intervensi, mulai dari Program Pemulihan Ekonomi through various interventions, ranging from the National
Nasional (PEN), fasilitas Kredit Usaha Rakyat (KUR), Kredit Economic Recovery Program (PEN), People’s Business
Usaha Mikro (KUM), hingga insentif fiskal yang dirancang Credit (KUR) facilities, Micro Business Credit (KUM), to fiscal
untuk memperkuat arus permodalan UMKM. Namun, incentives designed to strengthen MSME capital flows.
percepatan pertumbuhan sektor ini tidak bisa hanya However, accelerating the growth of this sector cannot
mengandalkan pemerintah, dibutuhkan kolaborasi seluruh rely solely on the government; collaboration among all
pemangku kepentingan untuk memastikan UMKM tidak stakeholders is needed to assure that MSMEs not only
hanya bertahan, tetapi juga naik kelas. survive but also move up the ladder.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Melihat urgensi tersebut, FIFGROUP menghadirkan Recognizing this urgency, FIFGROUP has launched the
Program Dana Bergulir di bawah payung FIFGROUP Revolving Fund Program under the umbrella of FIFGROUP
Sejahtera untuk membantu pelaku UMKM memenuhi Sejahtera to help MSME players meet their business
kebutuhan modal usaha secara lebih inklusif. Program capital needs in a more inclusive manner. This program is
ini dirancang sebagai dukungan nyata bagi UMKM agar designed as tangible support for MSMEs to remain healthy,
tetap sehat, produktif, dan mampu berkembang di tengah productive, and capable of growing amid the dynamics of
dinamika perekonomian nasional. Didukung oleh kolaborasi the national economy. Backed by strategic collaboration
strategis dengan berbagai pihak, Dana Bergulir menjadi with various parties, the Revolving Fund serves as a catalyst
katalis yang memperkuat fondasi UMKM, sektor yang setiap to strengthen the foundation of MSMEs, a sector that drives
hari menggerakkan roda ekonomi Indonesia. Indonesia’s economy every day.
Kerja Sama Pelaksanaan Program Dana Bergulir
Cooperation in the Implementation of the Revolving Fund Program
Program Dana Bergulir ini dilaksanakan bekerja sama dengan The Revolving Fund Program is implemented in collaboration
yayasan ASTRA dan non ASTRA. with ASTRA and non-ASTRA foundations.
1. Yayasan ASTRA: Yayasan Dharma Bakti Astra (YDBA), 1. ASTRA Foundations: Dharma Bakti Astra Foundation (YDBA),
Yayasan Pendidikan Astra – Michael D. Ruslim (YPA-MDR), Astra Education Foundation – Michael D. Ruslim (YPA-MDR),
Yayasan Astra Honda Motor (YAHM), dan Yayasan Amaliah Astra Honda Motor Foundation (YAHM), and Amaliah Astra
Astra (YAA). Foundation (YAA).
2. Yayasan Non ASTRA: Kominfo, Yayasan Visi Maha Karya, 2. Non-ASTRA Foundations: Kominfo, Visi Maha Karya
Himpunan Wanita Disabilitas Indonesia (HWDI), Kecamatan Foundation, Indonesian Association of Women with
Cilandak, Kecamatan Bojongsari, Suku Dinas Sosial Jakarta Disabilities (HWDI), Cilandak Subdistrict, Bojongsari
Selatan, Balai Cibinong. Subdistrict, South Jakarta Social Services Agency, Cibinong
Hall.
Kriteria Penerima Program Bergulir
Criteria for Recipients of the Revolving Fund Program
1. FIFGROUP menghadirkan Program Dana Bergulir, sebuah 1. FIFGROUP presents the Revolving Fund Program, an
pembiayaan tanpa bunga senilai Rp2–25 juta yang interest-free financing program worth Rp2–25 million
dirancang untuk membantu pelaku usaha memperluas designed to help entrepreneurs expand their capacity
kapasitas sekaligus menjaga keberlanjutan usahanya. while maintaining the sustainability of their businesses.
Program ini menyasar wirausaha yang benar-benar siap This program targets entrepreneurs who are truly ready to
tumbuh-mereka yang telah menjalankan bisnis minimal grow—those who have been running a business for at least
satu tahun, memiliki tempat usaha yang jelas (milik sendiri one year, have a clear place of business (owned or rented),
atau sewa), mampu menunjukkan pembukuan sederhana are able to show simple and healthy bookkeeping, and have
yang sehat, serta memiliki rasio pendapatan yang cukup a sufficient income ratio to meet their installment obligations.
untuk memenuhi kewajiban angsuran. Sebelum pinjaman Before the loan is granted, each prospective recipient
diberikan, setiap calon penerima menjalani proses seleksi undergoes a selection process based on verification and
berbasis verifikasi dan survei lapangan, didukung oleh field surveys, supported by the Income Generating Activity
Income Generating Activity (IGA) System yang memastikan (IGA) System, which ensures accurate data collection on
pendataan UMKM berlangsung akurat dan memudahkan MSMEs and facilitates payment monitoring.
pemantauan pembayaran.
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Sejarah Program Dana Bergulir UMKM
History of the MSME Revolving Fund Program
2016 26 UMKM Rp26.000.000
26 MSMEs
2017 35 UMKM Rp124.500.000
35 MSMEs
2018 67 UMKM Rp152.500.000
67 MSMEs
2019 97 UMKM Rp298.000.000
97 MSMEs
2020 54 UMKM Rp206.500.000
54 MSMEs
2021 524 UMKM Rp1.467.000.000
524 MSMEs
2022 600 UMKM Rp2.009.000.000
600 MSMEs
2023 734 UMKM Rp2.681.500.000
734 MSMEs
2024 735 UMKM Rp2.760.000.000
735 MSMEs
2025 423 UMKM Rp1.561.000.000
423 MSMEs
Dana Bergulir FIFGROUP
FIFGROUP Revolving Fund
Sejak tahun 2016–2025, CID FIFGROUP dengan program From 2016 to 2025, CID FIFGROUP, through its Revolving
Dana Bergulir telah berhasil membantu 3.295 UMKM. Fund program, has successfully assisted 3,295 MSMEs. In
Pada tahun 2025, dibagi dalam 3 (tiga) tahap pencarian, 2025, divided into 3 (three) search stages, namely May,
yaitu bulan Mei, Agustus, dan November dengan total August, and November, with a total of Rp6,725,000,000
dana manfaat yang sudah disalurkan ke UMKM sebesar in funds distributed to MSMEs throughout 2016-2025.
Rp6.725.000.000 Miliar sepanjang 2016-2025
Kegiatan Lanjutan
Follow-up activities
Di luar penyaluran pinjaman tanpa bunga, FIFGROUP Beyond providing interest-free loans, FIFGROUP ensures
memastikan pelaku UMKM tidak berjalan sendiri. Melalui that MSME players are not left to fend for themselves.
rangkaian Development Journey, para penerima Program Through a series of Development Journeys, recipients of
Dana Bergulir dibekali berbagai pelatihan praktis yang the Revolving Fund Program are equipped with a range
dirancang untuk membantu mereka mengelola usaha of practical training designed to help them manage their
secara lebih modern dan berdaya saing. Materinya businesses in a more modern and competitive manner. The
mencakup strategi pemasaran digital, adopsi teknologi, material covers digital marketing strategies, technology
peningkatan kualitas usaha kuliner, dasar pembukuan adoption, improving the quality of culinary businesses,
keuangan, hingga pemanfaatan dompet digital untuk financial accounting basics, and the use of digital wallets
memperlancar transaksi. Seluruh pelatihan ini bertujuan to facilitate transactions. All these training sessions aim
membuka peluang baru, memperluas jangkauan to gain new opportunities, expand market reach, and
pasar, dan pada akhirnya mendorong peningkatan ultimately drive increased income so that their businesses
pendapatan sehingga usaha mereka dapat berkembang can grow sustainably.
secara berkelanjutan.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Program Pendukung Umkm Development Journey
MSME Development Journey Support Program
Workshop UMKM E-katalog FIFestival Konten Cerita UMKM
MSME Workshop E-catalog FIFestival MSME Story Content
Aktivitas: Memberikan pelatihan Aktivitas: Membuat e-katalog Aktivitas: Event Bazaar UMKM Aktivitas: Pembuatan konten
intensif baik secara online yang berisis tentang informasi yang diadakan bagi UMKM media sosial atas produk dan
maupun offline tentang serba usaha UMKM binaan, yang binaan terpilih sebagai wadah kegiatan usaha UMKM binaan
serbi dan fundamental terkait nantinya akan menjadi media acara pemasaran yang dapat untuk mendukung peningkatan
wirausaha dan literasi bisnis. pemasaran baik untuk internal membantu pemiliki UMKM branding dan exposure produk
atau eksternal. mempromosikan produk atau UMKM.
Target: Melaksanakan 3 (tiga) layanan mereka. Kegiatan
workshop UMKM melalui Target: Membuat e-katalog yang FIFestival menjadi kesempatan Target: Membuat 3 konten cerita
webinar di tahun 2025 dengan dapat diakses oleh internal branding dan perluasan pasar UMKM, terkait pelaksanaan
topik yang beragam. Mulai FIFGROUP dalam aplikasi UMKM dengan mempertemukan program UMKM dan UMKM
dari pendaftaran bisnis UMKM internal e-library. UMKM dalam acara yang binaan, di platform YouTube,
di platform digital, packaging terbuka untuk masyarakat umum dan Instagram perusahaan yang
dan branding. Activities: Creating an e-catalog dan untuk karyawan internal menyoroti UMKM di wilayah
containing information about perusahaan. Jabodetabek.
Activities: Providing intensive supported MSME businesses,
training, both online and which will serve as a marketing Target: Melaksanakan acara Activities: Creating social media
offline, on various aspects tool for both internal and bazar UMKM FIFestival yang content on the products and
and fundamentals related to external use. diadakan dengan melibatkan business activities of MSMEs
entrepreneurship and business 25 UMKM binaan di wilayah under guidance to support
literacy. Target: To create an e-catalog Jabodetabek. increased branding and
accessible to internal FIFGROUP exposure of MSME products.
Target: To conduct 3 (three) members via the internal Activities: MSME Bazaar event
MSME workshops via webinars e-library application. held for selected MSMEs as a Target: To create 3 MSME
in 2025 on various topics. marketing event that can help story contents related to the
Starting from MSME business MSME owners promote their implementation of MSME
registration on digital platforms, products or services. FIFestival programs and MSMEs under
packaging, and branding. activities provide branding and guidance on the company's
market expansion opportunities YouTube and Instagram
for MSMEs by bringing MSMEs platforms, highlighting MSMEs in
together in events that are the Greater Jakarta area.
open to the public and internal
company employees.
Target: To hold the FIFestival
MSME bazaar event involving 25
Assisted MSMEs in the Greater
Jakarta area.
Tahun ini juga menjadi momentum penting melalui keikutsertaan This year also marks an important milestone with the
25 UMKM binaan dalam FIFestival, yang digelar pada tanggal participation of 25 assisted MSMEs in the FIFestival, held on July
8-10 Juli 2025. Ajang ini membuka ruang bagi para pelaku 8-10, 2025. This event provides a platform for entrepreneurs
usaha untuk memamerkan produk unggulan, membangun to showcase their flagship products, build business networks,
jejaring bisnis, dan meningkatkan pendapatan secara and increase their income directly. FIFGROUP even provides
langsung. FIFGROUP bahkan memberi ruang khusus bagi a special space for MSMEs with disabilities to participate,
UMKM disabilitas untuk ikut serta, menegaskan komitmen affirming its commitment to economic inclusion. From this
terhadap inklusi ekonomi. Dari kegiatan ini, transaksi di area activity, transactions at the bazaar reached Rp343,079,000
bazar mencapai Rp343.079.000 dengan jumlah pengunjung with 2,006 visitors, an achievement that demonstrates public
mencapai 2.006 orang, sebuah pencapaian yang menunjukkan enthusiasm for local products under its guidance.
antusiasme publik terhadap produk lokal binaan.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Pemangku Kepentingan Program Dana Bergulir UMKM
Stakeholders of the Msme Revolving Fund Program
PT Astra International Tbk (ESR Astra) PT Astra International Tbk (ESR Astra)
Yayasan Dharma Bakti Astra (YDBA) Astra Dharma Bakti Foundation (YDBA)
Yayasan Pendidikan Astra–Michael D. Ruslim (YPA-MDR) Astra Education Foundation–Michael D. Ruslim (YPA-MDR)
Yayasan Astra Honda Motor (YAHM) Astra Honda Motor Foundation (YAHM)
Yayasan Amaliah Astra (YAA) Astra Amaliah Foundation (YAA)
Kominfo Ministry of Communication and Information Technology
Dinsos Jakarta Selatan South Jakarta Social Services Agency
Kecamatan Cilandak Cilandak Subdistrict
Kecamatan Bojongsari Bojongsari Subdistrict
Balai Cibinong Cibinong Hall
Himpunan Wanita Disabilitas Indonesia (HWDI) Indonesian Association of Women with Disabilities (HWDI)
Yayasan Visi Maha Karya Visi Maha Karya Foundation
Kinerja Penyaluran Dana dan Kinerja Umkm Binaan
Performance of Fund Disbursement and Performance of Assisted Msmes
UMKM Non-Disabilitas UMKM Disabilitas
Non-Disability-Owned/Empowered MSMEs Disability-Owned/Empowered MSMEs
411 UMKM
MSMEs 9 UMKM
MSMEs
Total Realisasi Pembiayaan 2025: 423 UMKM
dengan dana disalurkan sejumlah Rp1.561.000.000 miliar
Total Financing Realization 2025: 423 MSMEs with funds
disbursed amounting to Rp1,561,000,000 billion
Kelancaran pengembalian dana
Seamless Repayment of Funds
96%
Adapun rata-rata kelancaran pengembalian dana sepanjang awal The average repayment of Funds from the start of the program
program sampai dengan bulan Desember 2025 adalah 96%. until December 2025 is 96%.
Pelaku UMKM yang disiplin dalam angsuran dan selalu tepat MSME players who are disciplined in their installments and
waktu memiliki kesempatan untuk mendapatkan pinjaman always pay on time have the opportunity to obtain loans again in
kembali pada periode berikutnya. Kesempatan ini terbuka the next period. This opportunity is wide open for those who are
lebar bagi mereka yang bersemangat untuk maju dan eager to move forward and develop their businesses. Through
mengembangkan usahanya. Melalui dana bergulir ini, banyak this revolving fund, many MSMEs feel helped in purchasing
UMKM merasa terbantu dalam membeli bahan pokok usaha basic business materials and developing their businesses to
dan mengembangkan usahanya menjadi lebih besar. become bigger.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Testimoni UMKM
MSMe Testimonial
Perjalanan Kedai Makan Enak bermula pada tahun 2017 dengan The journey of Kedai Makan Enak began in 2017 with a simple
langkah sederhana dengan melayani katering harian untuk step of providing daily catering services for schools around
sekolah-sekolah di sekitar rumah. Berawal dari kecintaan sang the neighborhood. It all started from the love of the owner,
pemilik yakni Bu Komisah dan Suaminya Pak Isnu terhadap Mrs. Komisah, and her husband, Mr. Isnu, for the culinary world
dunia kuliner dan keinginan menyalurkan hobi sembari mencari and their desire to pursue their hobby while earning additional
pendapatan tambahan, usaha ini perlahan menemukan income. This business gradually found its footing. Signature
pijakannya. Menu-menu andalan yang kaya rasa, mulai dari dishes rich in flavor, ranging from Nasi Kebuli, Katsu, to Satay,
Nasi Kebuli, Katsu, hingga Sate, menjadi ciri khas yang memikat became the signature dishes that captivated customers' palates.
lidah pelanggan.
Titik balik pertumbuhan usaha ini terjadi pada tahun 2018, A turning point in the business's growth occurred in 2018 when
ketika Kedai Makan Enak mendapatkan kesempatan emas Kedai Makan Enak secured a golden opportunity to become
untuk menjadi salah satu tenant di Menara FIF. Pintu kolaborasi one of the tenants at FIF Tower. Collaboration opportunities
semakin terbuka lebar saat Kedai Makan Enak mendaftarkan diri expanded further when Kedai Makan Enak registered for the
dalam ajang FIFestival dan menjadi UMKM Binaan FIFGROUP, FIFestival event and became an FIFGROUP-supported MSME,
sebuah inisiatif FIFGROUP yang menjembatani UMKM potensial an initiative by FIFGROUP to connect promising MSMEs with
dengan pasar yang lebih luas. broader markets.
Sejak resmi menjadi UMKM Binaan FIFGROUP, dampak positif Since officially becoming a FIFGROUP-assisted MSME, Kedai
dirasakan secara signifikan oleh Kedai Makan Enak. Dukungan Makan Enak has experienced a significant positive impact. The
yang diberikan tidak hanya berupa akses tempat usaha, support provided is not only in the form of access to business
tetapi juga pelibatan aktif dalam berbagai event kuliner yang premises, but also active involvement in various culinary events
diselenggarakan FIFGROUP. Lebih dari itu, loyalitas pelanggan organized by FIFGROUP. More than that, customer loyalty has
pun terbangun; pesanan katering kini rutin datang dari kantor also been built; catering orders now regularly come from branch
cabang hingga Head Office (HO) FIFGROUP. offices to the FIFGROUP Head Office (HO).
Ekosistem pendukung ini secara langsung memperluas This supportive ecosystem has directly expanded Kedai Makan
jangkauan pasar Kedai Makan Enak jauh melampaui target Enak's market reach far beyond their initial targets.
awal mereka.
Tentu saja, perjalanan bisnis tidak luput dari tantangan. Di tengah Surely, the business journey is not without challenges. Amidst
ketatnya persaingan industri kuliner yang menjamur, Kedai the fierce competition in the booming culinary industry, Kedai
Makan Enak menyadari bahwa kualitas rasa saja tidak cukup. Makan Enak realizes that taste alone is not enough. The
Kunci keberhasilan mereka untuk bertahan dan bertumbuh key to their success in surviving and growing is continuous
adalah inovasi berkelanjutan dan kreativitas dalam menciptakan innovation and creativity in creating new menus that appeal
menu-menu baru yang menarik selera pasar yang dinamis. to the dynamic market.
Kisah Kedai Makan Enak adalah bukti nyata ketangguhan UMKM The story of Kedai Makan Enak is clear evidence of the resilience
Indonesia. Kepada sesama rekan UMKM, Bu Komisah dan of Indonesian MSMEs. To their fellow MSME colleagues, Mrs.
Pak Isnu menitipkan pesan optimisme: agar terus menjaga Komisah and Mr. Isnu convey a message of optimism: stay
semangat, berani berinovasi, dan menjadikan setiap tantangan motivated, dare to innovate, and turn every challenge of
perubahan sebagai momentum untuk naik kelas. Melalui change into an opportunity to improve. Through synergistic
kolaborasi yang sinergis antara korporasi dan pelaku usaha collaboration between corporations and small businesses,
kecil, keberlanjutan ekonomi bukan lagi sekadar wacana, economic sustainability is no longer just a concept, but a
melainkan aksi nyata yang berdampak. tangible action that has a real impact.
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
FIFGROUP LESTARI
FIFGROUP Lestari menjadi wujud komitmen Perseroan FIFGROUP Lestari embodies the Company’s commitment
dalam menjaga keberlanjutan lingkungan melalui to maintaining environmental sustainability through various
berbagai aksi nyata yang dirancang untuk menumbuhkan concrete actions designed to foster collective awareness of
kesadaran kolektif akan pentingnya keseimbangan alam. the importance of ecological balance. Through collaboration
Melalui kolaborasi dengan pemangku kepentingan di with stakeholders in various regions, this program
berbagai daerah, program ini berfokus pada penanaman focuses on tree planting, green space revitalization, and
pohon, revitalisasi ruang hijau, serta inisiatif perawatan other environmental care initiatives that directly benefit
lingkungan lainnya yang memberikan manfaat langsung communities in the surrounding operational areas. With an
bagi masyarakat di sekitar wilayah operasional. Dengan adaptive and sustainable approach, FIFGROUP Lestari is
pendekatan yang adaptif dan berkelanjutan, FIFGROUP not only a greening program, but also part of the Company’s
Lestari hadir bukan hanya sebagai program penghijauan, contribution to the national development agenda, reducing
tetapi sebagai bagian dari kontribusi Perseroan terhadap the impact of climate change, and improving the quality of
agenda pembangunan nasional, pengurangan dampak life for current and future generations.
perubahan iklim, dan peningkatan kualitas hidup generasi
kini dan mendatang.
Hutan & Biodiversity FIFGROUP
Perubahan iklim dan deforestasi terus menjadi ancaman Climate change and deforestation continue to pose a real
nyata bagi keberlanjutan bumi. Hilangnya tutupan threat to the sustainability of the earth. The loss of forest
hutan mengurangi kemampuan alam menyerap karbon, cover reduces nature’s ability to absorb carbon, accelerates
mempercepat pemanasan global, dan memicu cuaca global warming, and triggers extreme weather. In line with
ekstrem. Sejalan dengan dorongan global yang ditekankan global efforts emphasized in various COP meetings, as well
dalam berbagai pertemuan COP, serta kebijakan nasional as national policies such as Law No. 32/2009, Presidential
seperti UU No. 32/2009, Perpres No. 61/2011, dan regulasi Regulation No. 61/2011, and social forestry regulations,
perhutanan sosial, FIFGROUP menghadirkan inisiatif FIFGROUP presents Hutan FIFGROUP (FIFGroup Forest)
Hutan FIFGROUP sebagai kontribusi nyata terhadap initiative as a tangible contribution to ecosystem restoration.
pemulihan ekosistem.
Pada tahun 2025, program ini mengusung pendekatan In 2025, this program adopted an agroforestry approach,
agroforestry, mengombinasikan tanaman kehutanan, combining forestry plants, endemic species, and highly
spesies endemik, dan tanaman produktif bernilai ekonomi economically valuable productive plants—with the largest
tinggi-dengan komposisi terbesar berupa tanaman composition being productive plants such as avocados,
produktif seperti alpukat, kopi, dan durian. Berbeda coffee, and durians. Unlike previous years, planting is
dari tahun sebelumnya, penanaman dilakukan secara carried out centrally in Jayamekar Village, Garut Regency,
tersentralisasi di Desa Jayamekar, Kabupaten Garut, agar to enable more accurate carbon calculations and deliver
perhitungan karbon dapat dilakukan lebih akurat dan more targeted economic benefits to local communities.
manfaat ekonominya lebih terarah bagi masyarakat sekitar.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
FIFGROUP menggandeng Institut Pertanian Bogor (IPB) FIFGROUP collaborated with the Bogor Agricultural
sebagai mitra teknis, serta bekerja sama dengan Koperasi University (IPB) as a technical partner, as well as
Al-Bayyinah dan SMKN 4 Garut dalam persemaian dan cooperating with the Al-Bayyinah Cooperative and SMKN
pemeliharaan bibit. Proses persiapan dilakukan secara 4 Garut in seedling cultivation and maintenance. The
menyeluruh-mulai dari observasi lapangan menggunakan preparation process was carried out thoroughly—from
GPS, drone, dan pemetaan ArcGIS, hingga pemasangan field observations using GPS, drones, and ArcGIS mapping,
ajir sebelum penanaman. Dari target 30.000 pohon, to the installation of stakes prior to planting. Of the target
sebanyak 30.000 pohon berhasil ditanam pada tahun of 30,000 trees, 30,000 trees were successfully planted
2025, memperkuat perjalanan panjang program yang sejak in 2025, strengthening the long journey of the program,
2011 telah menanam 175.000 pohon hingga akhir 2024. which has planted 175,000 trees since 2011 until the end
of 2024.
Dalam jangka panjang, Hutan FIFGROUP dirancang In the long term, Hutan FIFGROUP is designed to develop
berkembang menjadi destinasi ecotourism, menghadirkan into an ecotourism destination, offering nature-based
pengalaman wisata alam yang melibatkan masyarakat- tourism experiences that involve the community—from
mulai dari tur panen kopi, proses pengolahan pascapanen. coffee harvesting tours to post-harvest processing. Through
Melalui langkah berkelanjutan ini, FIFGROUP berharap these sustainable initiatives, FIFGROUP aims to restore
ekosistem dapat pulih, ekonomi lokal tumbuh, dan generasi ecosystems, boost local economies, and ensure future
mendatang mewarisi lingkungan yang jauh lebih sehat. generations inherit a significantly healthier environment.
Pada tahun 2025, FIFGROUP melakukan Konservasi In 2025, FIFGROUP conducted Biodiversity Conservation
Biodiversitas sebagai upaya untuk melestarikan makhluk as an effort to preserve living creatures in the Hutan
hidup di area Hutan FIFGROUP. Berdasarkan IUCN Red List, FIFGROUP area. Based on the IUCN Red List, the Javan
Kukang Jawa (Nycticebus Javanicus) merupakan spesies Slow Loris (Nycticebus Javanicus) is a species with a
dengan status Critically Endangered (CR) atau terancam Critically Endangered (CR) status. The Garut Forest area
punah. Area Hutan Garut merupakan habitat asli dari is the natural habitat of the Javan Slow Loris. Therefore,
Kukang Jawa. Oleh karena itu, FIFGROUP berkomitmen FIFGROUP is committed to preserving biodiversity in
untuk menjaga keanekaragaman hayati di area Hutan Hutan FIFGROUP area, especially the Javan Slow Loris.
FIFGROUP khususnya Kukang Jawa.
FIFGROUP berkolaborasi dengan SMKN 4 Garut dalam FIFGROUP collaborated with SMKN 4 Garut in conducting
melakukan survei biodiversitas di Area Hutan Karacak, a biodiversity survey in the Karacak Forest Area, Garut
Kabupaten Garut. Survei Biodiversitas dilakukan untuk Regency. The Biodiversity Survey was conducted to map
memetakan kondisi dari Kukang Jawa beserta habitat the condition of the Javan Slow Loris and its habitat.
Kukang Jawa.
Pada 2025, luas area konservasi Biodiversitas mencapai By 2025, the biodiversity conservation area will cover 50
50 Hektar yang terbagi dalam 5 transek. Hingga hectares, divided into 5 transects. As of December 2025,
Desember 2025, terdapat 5 Kukang Jawa yang berhasil 5 Javan slow lorises have been successfully identified.
diidentifikasi. Selanjutnya, FIFGROUP dan SMKN 4 Garut Furthermore, FIFGROUP and SMKN 4 Garut will conduct
akan melaksanakan edukasi kepada siswa-siswi di sekolah educational programs for students in schools located in
yang berada di Kabupaten Garut. Garut Regency.
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Pemangku Kepentingan Program Penanaman Pohon
Stakeholders of the Tree Planting Program
SMKN 4 Garut SMKN 4 Garut
Institut Pertanian Bogor (IPB) Bogor Agricultural University (IPB)
Pemerintah Kabupaten Garut Garut Regency Government
Kementerian Lingkungan Hidup dan Kehutanan (KLHK) Ministry of Environment and Forestry (KLHK)
Balai Konservasi Sumber Daya Alam (BKSDA) Kabupaten Garut Garut Regency Natural Resources Conservation Agency (BKSDA)
Koperasi Al Bayyinah Al Bayyinah Cooperative
Dinas Lingkungan Hidup (DLH) Kabupaten Garut Garut Regency Environment Agency (DLH)
Dampak Program
Program Impact
Jumlah Bibit Pohon Ditanam & Dikelola Jenis Pohon yang Ditanam Titik Lokasi Penanaman Pohon
Tree Planting and Management Location Types of Trees Planted Tree Planting Locations
4 jenis pohon (Pohon Produktif, Pohon
97.000 2
pohon Kehutanan, Pohon Endemik, Kopi) lokasi
4 types of trees (Productive Trees,
trees Forestry Trees, Endemic Trees, location
Coffee Trees)
Luas Area Penanaman
& Pengelolaan Luas Area Biodiversitas
Planting Area & Management Biodiversity Area Size
126 hektar
hectares 50 hektar
hectares
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Sustainability Governance Sustainability Performance
Rumah Pembibitan
Melalui Rumah Pembibitan, FIFGROUP mengajak para Through Rumah Pembibitan, FIFGROUP invites students
siswa dari jenjang SD hingga SMA/SMK untuk mengenal from elementary to high school/vocational school levels
pertanian hidroponik dan pemanfaatan Green House to learn about hydroponic farming and the use of Green
secara langsung. Sebuah upaya FIFGROUP untuk Houses firsthand. This is FIFGROUP’s effort to cultivate a
menumbuhkan generasi yang lebih peduli pada ketahanan generation that is more concerned about food security
pangan dan masa depan lingkungan. Program ini tidak and the future of the environment. This program not only
hanya menghadirkan fasilitas rumah pembibitan/Green provides nursery/greenhouse facilities in schools around
House di sekolah-sekolah sekitar cabang FIFGROUP, tetapi FIFGROUP branches, but also offers practical learning
juga menghadirkan pengalaman belajar yang aplikatif experiences through hydroponic workshops. Teachers
melalui workshop hidroponik. Guru-guru yang telah dibekali who have been equipped with basic knowledge of
pengetahuan dasar mengenai teknik tanam modern ini modern planting techniques become the main mentors,
menjadi mentor utama, sementara para siswa diajak turun while students are invited to directly plant, care for, and
langsung menanam, merawat, dan memahami siklus hidup understand the life cycle of plants in the nursery that they
tanaman di rumah pembibitan yang mereka kelola sendiri. manage themselves.
Pada tahun 2025, program ini ditargetkan menjangkau By 2025, the program is targeted to reach 38 branches,
38 cabang, dengan partisipan pelatihan Urban Farming with approximately 40 students per branch participating
Hidroponik sekitar 40 siswa per cabang, dengan total 2.035 in the Urban Hydroponic Farming training, totaling 2,035
peserta sepanjang tahun. Melalui inisiatif ini, FIFGROUP participants throughout the year. Through this initiative,
tidak hanya memperkenalkan teknologi pertanian modern FIFGROUP not only introduces modern agricultural
kepada generasi muda, tetapi juga menanamkan kesadaran technology to the younger generation but also instills
akan pentingnya inovasi hijau, selaras dengan tujuan SDGs awareness of the importance of green innovation, aligning
4: Pendidikan Berkualitas. with SDG 4: Quality Education.
Dampak Program
Program Impact
Jumlah Siswa dan Siswi Jumlah Lokasi Hasil Perhitungan CSI
Number of Students Number of Locations CSI Calculation Results
2.035 siswa
students 38 sekolah
schools 3,86/4,00
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Daftar Sekolah
School List
Nama Cabang FIFGROUP Nama Sekolah
No
FIFGROUP Branch Name School Name
1 Manado SMK PPN Kalasey
2 Cikampek SMKN 1 Cikampek
3 Sukoharjo SMAN 1 Sukoharjo
4 Kendari SMKN 5 KENDARI
5 Selong SMKN 1 Sakra
6 Jayapura SMK Negeri Agribisnis dan Agroteknologi Papua
7 Sanggau SMK PDN Desa Penyeladi
8 Tanjung SMKN 1 Banua Lawas
9 Sintang SMKN 1 Sepauk
10 Banda Aceh SMKN Sare Aceh Besar
11 Kabupaten Paser SMKN 6 Sepaku
Paser Regency
12 Binjai SMK PABA Binjai
13 Pati SMKN 2 Pati
14 Blora SMK Nurul Huda
15 Rengat SMKN 1 Rengat
16 Tangerang SMKN 2 Tangerang
17 Solok SMKN 1 Gunung Talang
18 Depok II SMAN 51 Jakarta
19 Sekayu SMK Pertanian Babat 1 Supat
20 Kota Bogor III SMK Amaliah Ciawi Bogor
Bogor City III
21 Rantau Prapat SMKN Rantau Utara
22 Jombang Smk Sehat Insan Perjuangan
23 Jember SMKN 5 Jember
24 Sleman II SMAN 11 Yogyakarta
25 Pekanbaru SMKN Pertanian Terpadu
26 Brebes SMK N 2 Songgom
27 Karawang SMKN 1 Rengasdengklok
28 Rangkasbitung SMKN 1 Curugbitung
29 Pandeglang SMKN 7 Pandeglang
30 Jepara SMK Negeri 1 Batealit, Jepara
31 Bandung Barat SMK 45 Lembang
West Bandung
32 Kabupaten Cilacap II SMKN Karangpucung
Cilacap Regency II
33 Ponorogo SMKN 1 Mlarak Ponorogo
34 Kabupaten Tanjung Jabung Barat MAN 2 Tanjung Jabung Barat
Tanjung Jabung Barat Regency
35 Mamuju SMK-PP Negeri Rea Timur Polman
36 Kabupaten Pasuruan II SMK Porwosari
Pasuruan Regency II
37 Pamekasan SMAN 5 Pamekasan
38 Batulicin SMKN 1 Simpang Empat
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Sustainability Governance Sustainability Performance
IPAL Komunal
Communal Wastewater Treatment Plant
FIFGROUP selalu berkomitmen untuk mendukung program FIFGROUP is always committed to supporting government
pemerintah. Untuk mencapai Sanitasi Total Berbasis programs. To achieve Community-Based Total Sanitation,
Masyarakat, salah satu pilar yang harus dipenuhi adalah one of the pillars that must be fulfilled is to realize Stop
mewujudkan Stop Buang Air Besar Sembarangan (BABS). Buang Air Besar Sembarangan / Stop Open Defecation
Hal ini untuk mendukung terwujudnya lingkungan yang (BABS). This is to support the creation of a clean and healthy
bersih dan sehat demi meningkatkan kualitas hidup environment in order to improve the quality of life of the
masyarakat. community.
Perilaku buang air besar sembarangan akan mempengaruhi Open defecation behavior can affect the health of infants.
kesehatan balita. Oleh karena itu, perilaku BABS dapat Therefore, open defecation can lead to stunting in infants.
menyebabkan stunting pada balita.
FIFGROUP mendukung tercapainya wilayah yang bebas FIFGROUP supports the achievement of areas free from
buang air besar sembarangan dengan membangun open defecation by building Communal Wastewater
Instalasi Pengolahan Air Limbah (IPAL) Komunal di tingkat Treatment Plants (IPAL) at the sub-district level in South
kelurahan di Jakarta Selatan. Sejak 2020 hingga 2024, Jakarta. From 2020 to 2024, FIFGROUP has built 6
FIFGROUP telah membangun 6 titik IPAL Komunal di 2 communal IPAL sites in 2 neighborhoods, namely Lebak
Kelurahan. Yaitu Kelurahan Lebak Bulus dam Kelurahan Bulus and Pondok Labu. These 6 communal IPAL sites can
Pondok Labu. 6 titik IPAL Komunal ini dapat diakses oleh be accessed by 674 people or 361 households.
674 jiwa atau 361 rumah.
Pada 2025, FIFGROUP membangun 4 titik IPAL Komunal. 2 In 2025, FIFGROUP built 4 communal IPAL sites. Two
Titik di Kelurahan Gandaria Selatan dan 2 titik di Kelurahan sites are in Gandaria Selatan Village, and the other two
Ciganjur. Dengan total 452 jiwa atau 158 rumah yang dapat sites are in Ciganjur Village. A total of 452 people, or 158
memiliki akses ke IPAL Komunal FIFGROUP. households, will have access to FIFGROUP's communal
IPAL.
Melalui IPAL Komunal, FIFGROUP juga mendukung Through the communal wastewater treatment plant,
terwujudnya Kampung Sehat FIFGROUP. Dengan harapan FIFGROUP also supports the realization of the Kampung
masyarakat dapat terpacu dan berdaya dalam mewujudkan Sehat FIFGROUP/FIFGROUP Healthy Village. With the hope
lingkungan yang sehat dan mencapai STBM. that the community will be motivated and empowered to
create a healthy environment and achieve STBM.
Dampak Program
Program Impact
Jumlah Penerima Manfaat Jumlah Titik IPAL Komunal
Number of Beneficiaries Number of Community Wastewater Treatment Plant Locations
452
4 Titik IPAL Komunal (2 Kelurahan)
jiwa 4 Community Wastewater Treatment Plants
people
(2 Neighborhoods)
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FIFGROUP PEDULI [GRI 203-1]
Di tengah keberagaman yang menjadi kekuatan bangsa, Amidst the diversity that strengthens the nation, FIFGROUP
FIFGROUP terus menegaskan komitmennya untuk continues to affirm its commitment to supporting the
mendukung kehidupan spiritual masyarakat lintas agama. spiritual life of people across religions. Through the
Melalui program Peduli Spiritualitas, Perseroan hadir bukan Peduli Spiritualitas program, the Company is present not
hanya sebagai pelaku usaha, tetapi sebagai mitra yang only as a business actor, but also as an active partner
aktif merawat harmoni sosial dan memperkuat ikatan in maintaining social harmony and strengthening bonds
antarumat beragama. between religious communities.
Setiap tahun, berbagai inisiatif dijalankan, mulai dari Every year, various initiatives are carried out, ranging
pembangunan dan revitalisasi rumah ibadah, distribusi from the construction and revitalization of houses of
kitab suci, hingga dukungan pada perayaan hari besar worship, the distribution of holy books, to support for
keagamaan seperti kegiatan Tebar Takjil dan Tebar Kurban. religious celebrations such as Tebar Takjil and Tebar
Berbagai bantuan ini diberikan baik secara langsung Kurban activities. These various forms of assistance are
maupun berkolaborasi dengan komunitas lokal, memastikan provided both directly and in collaboration with local
manfaatnya dapat dirasakan oleh masyarakat luas. communities, ensuring that the benefits can be felt by
the wider community.
Bagi FIFGROUP, keberagaman keyakinan adalah fondasi For FIFGROUP, diversity of beliefs is the foundation of a
kehidupan sosial yang sehat. Karena itu, program ini tidak healthy social life. Therefore, this program is not only a
sekadar menjadi bentuk tanggung jawab sosial, tetapi form of social responsibility but also a manifestation of
juga wujud penghormatan terhadap nilai-nilai spiritual respect for the spiritual values embraced by people from
yang dianut masyarakat dari berbagai latar belakang. various backgrounds. By continuing to support religious
Dengan terus mendampingi kegiatan keagamaan di seluruh activities across Indonesia, FIFGROUP hopes to strengthen
penjuru Indonesia, FIFGROUP berharap dapat memperkuat tolerance, foster closer ties, and create a more comfortable
toleransi, mempererat silaturahmi, serta menciptakan ruang and inclusive space for worship for all.
ibadah yang lebih nyaman dan inklusif bagi semua.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Tebar Kurban
Every Eid al-Adha, the spirit of sharing has always been part Setiap datangnya Hari Raya Idul Adha, semangat berbagi
of FIFGROUP’s social journey. In 1445 H/2025, the Tebar selalu menjadi bagian dari perjalanan sosial FIFGROUP.
Kurban tradition was held again as a form of concern for Pada 1445 H/2025, tradisi Tebar Kurban kembali digelar
the community and support for Muslims in performing their sebagai wujud kepedulian terhadap masyarakat sekaligus
religious duties. Through this activity, sacrificial animals dukungan bagi umat Muslim dalam menjalankan ibadah.
were distributed to various operational areas so that the Melalui kegiatan ini, hewan kurban didistribusikan ke
benefits could reach more recipients. berbagai wilayah operasional agar manfaatnya menjangkau
lebih banyak penerima.
In 2025, FIFGROUP distributed 4 cows and 497 goats to Tahun 2025, FIFGROUP menyalurkan 4 ekor sapi dan
251 FIFGROUP branches throughout Indonesia. All cows 497 ekor kambing ke 251 cabang FIFGROUP di seluruh
were handed over centrally through the Head Office to the Indonesia. Seluruh sapi diserahkan terpusat melalui Head
Cilandak Subdistrict, Al Ikhsan Mosque, while the goats Office kepada Kecamatan Cilandak, Masjid Al Ikhsan,
were distributed to 251 FIFGROUP branches. The total sementara pembagian kambing dilakukan ke 251 Cabang
funds allocated for this activity reached Rp2.052 billion, FIFGROUP. Total dana yang dialokasikan untuk kegiatan
an increase from the previous year’s allocation (2024: ini mencapai Rp2,052 miliar, meningkat dari alokasi tahun
Rp1.825 billion). One of this year’s sacrificial cows, named sebelumnya (2024: Rp1,825 miliar). Salah satu sapi kurban
Bagaskara, became the center of attention because of its tahun ini yang dinamakan Bagaskara menjadi sorotan,
weight of 1,120 kg, making it the largest in recent years. karena bobotnya yang mencapai 1.120 kg, menjadikannya
yang terbesar dalam beberapa tahun terakhir.
The entire process, from the handover to the slaughter Seluruh proses penyerahan hingga pemotongan hewan
of the sacrificial animals, was conducted with attention to kurban dilakukan dengan memperhatikan aspek kesehatan
health and safety aspects. FIFGROUP hopes that the Tebar dan keamanan. FIFGROUP berharap kegiatan Tebar Kurban
Kurban activity will not only strengthen social bonds in the bukan hanya memperkuat ikatan sosial di sekitar wilayah
surrounding operational areas but also serve as a bridge operasional, tetapi juga menjadi jembatan kebaikan yang
of kindness that brings tangible benefits to the community. membawa manfaat nyata bagi masyarakat.
Berat Sapi
Weight of the Cow
2022 Hercules 1.050 kg
2023 Bima 1.080 kg
2024 Rizqi 1.100 kg
2025 Bagaskara 1.120 kg
Sebaran Sapi dan Kambing Kurban
Distribution of Sacrificial Cows and Goats
3 sapi 363 kambing
2022 2022
3 cows 363 goats
3 sapi 399 kambing
2023 2023
3 cows 399 goats
3 sapi 453 kambing
2024 2024
3 cows 453 goats
4 sapi 497 kambing
2025 2025
4 cows 497 goats
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Tebar Takjil
Setiap Ramadan, suasana kebersamaan terasa makin Every Ramadan, the spirit of togetherness grows stronger
kuat di seluruh jaringan FIFGROUP. Melalui program across the entire FIFGROUP network. Through the Tebar
Tebar Takjil, Perseroan menyapa masyarakat dengan Takjil program, the Company reaches out to the community
cara paling sederhana namun hangat: berbagi hidangan in the simplest yet warmest way: by sharing iftar meals with
pembuka puasa kepada warga sekitar cabang-cabang residents near FIFGROUP branches. This initiative not only
FIFGROUP. Kegiatan ini tidak hanya menjadi momen untuk celebrates the holy month but also strengthens ties with
memeriahkan bulan suci, tetapi juga mempererat hubungan the community that is an integral part of the Company’s
dengan komunitas yang setiap hari menjadi bagian dari journey every day.
perjalanan Perseroan.
Pada tahun 2025, sebanyak 14.940 takjil dibagikan di In 2025, 14,940 takjil (iftar snacks) packages were
247 cabang FIFGROUP, termasuk Kantor Pusat, dengan distributed across 247 FIFGROUP branches, including the
nilai lebih dari Rp360.000.000 juta. Paket takjil berisi Head Office, with a total value of more than Rp360,000,000
kudapan, kurma, dan minuman, disiapkan untuk membantu million. The takjil package contains snacks, dates, and
masyarakat yang sedang menjalankan ibadah puasa drinks, prepared just before breaking the fast to help
mendapatkan energi pertama menjelang waktu berbuka. people who are fasting get their first energy boost.
Melalui Tebar Takjil, FIFGROUP ingin menjaga kedekatan, Through Tebar Takjil, FIFGROUP aims to maintain a sense
membangun ruang perjumpaan yang ringan, penuh of community, create a lighthearted, caring, and meaningful
kepedulian, dan tetap bermakna di tengah kesibukan space for people to come together amid the hustle and
masyarakat urban maupun daerah. bustle of urban and regional communities.
Lokasi kegiatan Total dana
Event Locations Total funds
Rp360
247 Titik Cabang dan 1 Head Office
Juta
247 Branch Locations and 1 Head Office Million
Tebar Alkitab
Sebagai bagian dari implementasi pilar sosial dan komitmen As part of the implementation of its social pillar and the
perusahaan terhadap keberagaman, FIFGROUP kembali company’s commitment to diversity, FIFGROUP once again
menghadirkan inisiatif “Tebar Alkitab” dalam rangka presented the “Bible Distribution” initiative in celebration
menyambut Hari Raya Natal. Program ini dirancang sebagai of Christmas. This program was designed as a tangible
wujud nyata kepedulian perusahaan dalam mendukung expression of the company’s corporate social responsibility
kebutuhan spiritual komunitas Kristiani, khususnya di in supporting the spiritual needs of the Christian community,
wilayah Sumatera Utara. particularly in North Sumatra.
Pada tahun ini, FIFGROUP menyalurkan bantuan This year, FIFGROUP distributed 1,000 copies of the
sebanyak 1.000 eksemplar Alkitab. Bantuan ini Bible. This assistance was strategically distributed to 50
didistribusikan secara strategis kepada 50 Komunitas Christian communities and 50 Christian schools spread
Kristen dan 50 Sekolah Kristen yang tersebar di across various areas in North Sumatra, reaching a total of
berbagai area di Sumatera Utara, menjangkau total 1.000 1,000 beneficiaries.
penerima manfaat.
Realisasi program ini menunjukkan tren positif The realization of this program shows a positive trend in
dalam kontribusi sosial perusahaan. Jumlah Alkitab the company’s social contribution. The number of Bibles
yang didistribusikan mengalami peningkatan distributed increased by 13.6% compared to 2024, which
sebesar 13,6% dibandingkan tahun 2024 yang tercatat recorded 880 copies. Through this initiative, FIFGROUP
sebanyak 880 eksemplar. Melalui inisiatif ini, FIFGROUP hopes to facilitate congregations and students to gain a
berharap dapat memfasilitasi jemaat dan siswa untuk deeper spiritual understanding, while strengthening social
memperdalam pemahaman spiritual mereka, sekaligus harmony in the community
memperkuat harmoni sosial di tengah masyarakat.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Jumlah Alkitab yang dibagikan Jumlah penerima
Number of Bibles distributed Number of recipients
1.000 orang (50 Komunitas Kristen & 50 Sekolah
1.000 eksemplar
copies
Kristen di Sumatera Utara)
1,000 people (50 Christian communities & 50
Christian schools in North Sumatra)
Lokasi
No
Location
1 Labuhan Batu
2 Labuhan Batu Utara
North Labuhan Batu
3 Sitahuis Tapanuli Tengah
Sitahuis Central Tapanuli
4 Kota Medan
Medan City
5` Kota Sibolga
Sibolga City
FIFGROUP Berbagi Kepedulian
Merayakan perjalanan 36 tahun penuh dedikasi, FIFGROUP Celebrating 36 years of dedication, FIFGROUP reaffirms
kembali menegaskan komitmennya untuk berbagi kebaikan its commitment to sharing kindness through the Tebar
melalui program Tebar Syukur. Pada momentum istimewa Syukur program. On this special occasion, FIFGROUP
ini, FIFGROUP menyalurkan bantuan kepada 46 Yayasan distributed aid to 46 orphanages from five religions in
Yatim Piatu dari lima agama di berbagai wilayah Indonesia, various regions of Indonesia, as a form of respect for
sebagai wujud penghormatan terhadap keberagaman diversity and social awareness, which have become part
dan kepedulian sosial yang telah menjadi bagian dari of the company’s values.
nilai perusahaan.
Total bantuan yang diberikan mencapai Rp693.000.000. The total amount of aid provided reached Rp693,000,000.
Bantuan ini tidak hanya menjadi bentuk rasa syukur atas This aid is not only a form of gratitude for FIFGROUP’s long
perjalanan panjang FIFGROUP, tetapi juga harapan agar journey, but also a hope that more people can experience
lebih banyak orang dapat merasakan kesempatan yang better opportunities through continuous support. The
lebih balk melalui dukungan yang berkelanjutan. Daftar complete list of foundations receiving aid is presented in
lengkap yayasan penerima bantuan disampaikan pada the following table.
tabel berikut.
Sebagai wujud nyata komitmen kepedulian sosial yang As a tangible manifestation of its commitment to inclusive
inklusif, FIFGROUP menyalurkan bantuan total lebih dari social care, FIFGROUP distributed a total of more than
Rp360 juta kepada 36 panti asuhan di seluruh Indonesia Rp360 million to 36 orphanages throughout Indonesia in
dalam rangka Halal Bihalal Idul Fitri 1446 H dan Bakti the context of Halal Bihalal Eid al-Fitr 1446 H and Christmas
Sosial Natal, yang disalurkan melalui sinergi tim Kantor Social Service, which was distributed through the synergy
Pusat dan 33 kantor cabang. Semangat berbagi ini juga of the Head Office team and 33 branch offices. This spirit
diperluas melalui bantuan peringatan Hari Raya Waisak of sharing was also extended through assistance for the
dengan menyalurkan donasi sebesar Rp36 juta untuk Vesak Day celebration by distributing donations amounting
mendukung operasional dan fasilitas di 5 Vihara yang to Rp36 million to support the operations and facilities of
tersebar di lima titik strategis di Indonesia. Melengkapi 5 Buddhist temples located in five strategic locations in
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aksi kemanusiaan tersebut, melalui program FIFGROUP Indonesia. Complementing these humanitarian actions,
Peduli, perusahaan juga memberikan kontribusi bagi through the FIFGROUP Peduli program, the company
penyandang disabilitas dengan menyerahkan 10 kaki also contributed to people with disabilities by donating
palsu senilai Rp250 juta melalui Yayasan Visi Maha Karya, 10 prosthetic legs worth Rp250 million through the Visi
sebuah langkah komprehensif untuk memastikan kehadiran Maha Karya Foundation, a comprehensive step to ensure
FIFGROUP membawa manfaat dan harapan bagi seluruh that FIFGROUP’s presence brings benefits and hope to all
lapisan masyarakat tanpa memandang perbedaan. levels of society, regardless of differences.
Nama Yayasan/Panti Asuhan Kegiatan Nominal Bantuan
No
Foundation/Orphanage Name Activity Amount of Donation
1 Asrama Panti Yatim Indonesia Heulang Halal Bi Halal Idul Fitri 1446 H
Rp4.000.000
Indonesia Heulang Orphanage Dormitory Halal Bi Halal Eid al-Fitr 1446 H
2 Yayasan Panti Asuhan Anak Yatim Rosnaniah Halal Bi Halal Idul Fitri 1446 H
Rp4.000.000
Rosnaniah Orphanage Foundation Halal Bi Halal Eid al-Fitr 1446 H
3 Panti Asuhan Haqqul Yakin Halal Bi Halal Idul Fitri 1446 H
Rp4.000.000
Haqqul Yakin Orphanage Halal Bi Halal Eid al-Fitr 1446 H
4 Yayasan Alma’Arif Qosyasyiyah Machmud Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Alma'Arif Qosyasyiyah Machmud Foundation Halal Bi Halal Eid al-Fitr 1446 H
5 Panti Asuhan Hati Bangsa Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Hati Bangsa Orphanage Halal Bi Halal Eid al-Fitr 1446 H
6 Pondok Yatim Nuraini Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Nuraini Orphanage Halal Bi Halal Eid al-Fitr 1446 H
7 Panti Asurahan Putri Muhammadiyah Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Asurahan Putri Muhammadiyah Orphanage Halal Bi Halal Eid al-Fitr 1446 H
8 Yayasan Yatim Piatu Nadwah Abul Yatama Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Nadwah Abul Yatama Orphan Foundation Halal Bi Halal Eid al-Fitr 1446 H
9 Panti Asuhan Aisyiyah Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Aisyiyah Orphanage Halal Bi Halal Eid al-Fitr 1446 H
10 Yayasan Panti Asuhan Yatim Piatu Nahdlatul Ulama Moga Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Nahdlatul Ulama Moga Orphanage Foundation Halal Bi Halal Eid al-Fitr 1446 H
11 Panti Asuhan Ybmi Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Ybmi Orphanage Halal Bi Halal Eid al-Fitr 1446 H
12 Panti Asuhan Bina Insan Kamil Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Bina Insan Kamil Orphanage Halal Bi Halal Eid al-Fitr 1446 H
13 Panti Asuhan Kasih Ibu Batulicin Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Kasih Ibu Batulicin Orphanage Halal Bi Halal Eid al-Fitr 1446 H
14 Panti Asuhan Aisyiyah Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Aisyiyah Orphanage Halal Bi Halal Eid al-Fitr 1446 H
15 Panti Asuhan Baitussalam Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Baitussalam Orphanage Halal Bi Halal Eid al-Fitr 1446 H
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Nama Yayasan/Panti Asuhan Kegiatan Nominal Bantuan
No
Foundation/Orphanage Name Activity Amount of Donation
16 Rumah Yatim & Dhua'afa Baiturrosul Halal Bi Halal Idul Fitri 1446 H
Rp6.500.000
Baiturrosul Orphanage and the Underprivileged Home Halal Bi Halal Eid al-Fitr 1446 H
17 Yayasan Rumah Anak Nusantara Halal Bi Halal Idul Fitri 1446 H
Rp9.000.000
Rumah Anak Nusantara Foundation Halal Bi Halal Eid al-Fitr 1446 H
18 Yayasan Yatim Piaty Al-Barokah Lemburbalong Halal Bi Halal Idul Fitri 1446 H
Rp9.000.000
Al-Barokah Lemburbalong Orphanage Foundation Halal Bi Halal Eid al-Fitr 1446 H
19 Panti Asuhan Asal Adam Mulajati Halal Bi Halal Idul Fitri 1446 H
Rp9.000.000
Asal Adam Mulajati Orphanage Halal Bi Halal Eid al-Fitr 1446 H
20 Panti Asuhan Al Hidayah Halal Bi Halal Idul Fitri 1446 H
Rp9.000.000
Al Hidayah Orphanage Halal Bi Halal Eid al-Fitr 1446 H
21 Yayasan Panti Asuhan Ittaqollah Halal Bi Halal Idul Fitri 1446 H
Rp9.000.000
Ittaqollah Orphanage Foundation Halal Bi Halal Eid al-Fitr 1446 H
22 Yayasan Panti Asuhan Kasih Ibu Halal Bi Halal Idul Fitri 1446 H
Rp9.000.000
Kasih Ibu Orphanage Foundation Halal Bi Halal Eid al-Fitr 1446 H
23 Panti Asuhan Al-Arif Kasemen Halal Bi Halal Idul Fitri 1446 H
Rp12.000.000
Al-Arif Kasemen Orphanage Halal Bi Halal Eid al-Fitr 1446 H
24 Yayasan Pesantren Mini Cimahi Halal Bi Halal Idul Fitri 1446 H
Rp12.000.000
Cimahi Mini Islamic Boarding School Foundation Halal Bi Halal Eid al-Fitr 1446 H
25 Panti Asuhan Fajar Dua Halal Bi Halal Idul Fitri 1446 H
Rp12.000.000
Fajar Dua Orphanage Halal Bi Halal Eid al-Fitr 1446 H
26 Panti Asuhan Al Mu’Thi 1 Halal Bi Halal Idul Fitri 1446 H
Rp12.000.000
Al Mu’Thi 1 Orphanage Halal Bi Halal Eid al-Fitr 1446 H
27 Panti Asuhan Yatim Piatu & Dhuafa Anni’Mah Halal Bi Halal Idul Fitri 1446 H
Rp14.500.000
Anni’Mah Orphanage for Orphans and the Needy Halal Bi Halal Eid al-Fitr 1446 H
28 Panti Asuhana Alpurbanta Halal Bi Halal Idul Fitri 1446 H
Rp14.500.000
Alpurbanta Orphanage Halal Bi Halal Eid al-Fitr 1446 H
29 Panti Asuhan Al Fallah Halal Bi Halal Idul Fitri 1446 H
Rp14.500.000
Al Fallah Orphanage Halal Bi Halal Eid al-Fitr 1446 H
30 Yayasan Ar-Rahman Halal Bi Halal Idul Fitri 1446 H
Rp14.500.000
Ar-Rahman Foundation Halal Bi Halal Eid al-Fitr 1446 H
31 Yayasan Panti Asuhan As-Salam Halal Bi Halal Idul Fitri 1446 H
Rp14.500.000
As-Salam Orphanage Foundation Halal Bi Halal Eid al-Fitr 1446 H
32 Yayasan Al-Kahfi Halal Bi Halal Idul Fitri 1446 H
Rp15.000.000
Al-Kahfi Foundation Halal Bi Halal Eid al-Fitr 1446 H
33 Pondok Pesantren & Panti Asuhan Hijratul Khoir Halal Bi Halal Idul Fitri 1446 H
Rp18.000.000
Hijratul Khoir Islamic Boarding School & Orphanage Halal Bi Halal Eid al-Fitr 1446 H
34 Yayasan Iqro Bahrul Ulum Halal Bi Halal Idul Fitri 1446 H
Rp18.000.000
Iqro Bahrul Ulum Foundation Halal Bi Halal Eid al-Fitr 1446 H
35 Yayasan Al-Mahfudz Halal Bi Halal Idul Fitri 1446 H
Rp18.000.000
Al-Mahfudz Foundation Halal Bi Halal Eid al-Fitr 1446 H
36 Yayasan Pembinaan Anak Cacat Jakarta Halal Bi Halal Idul Fitri 1446 H
Jakarta Foundation for the Development of Children with Halal Bi Halal Eid al-Fitr 1446 H Rp20.000.000
Disabilities
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Nama Yayasan/Panti Asuhan Kegiatan Nominal Bantuan
No
Foundation/Orphanage Name Activity Amount of Donation
37 Welas Asih Indonesia Waras Minstry Bakti Sosial Natal 2025
Rp5.000.000
Welas Asih Indonesia Waras Ministry Christmas Social Service 2025
38 Yayasan Pelaksana Kasih Allah Bakti Sosial Natal 2025
Pelaksana Kasih Allah Christmas Social Service 2025 Rp5.000.000
Foundation
39 Panti Asuhan Hati Bangsa Bakti Sosial Natal 2025
Rp7.000.000
Hati Bangsa Orphanage Christmas Social Service 2025
40 Yayasan Sosial Tangan Kasih Bakti Sosial Natal 2025
Rp30.000.000
Tangan Kasih Social Foundation Christmas Social Service 2025
41 Panti Asuhan LPA Guna Nanda Hari Raya Waisak 2025
Rp10.000.000
LPA Guna Nanda Orphanage Waisak Festival 2025
42 Vihara Dhamma Rajasa Hari Raya Waisak 2025
Rp4.500.000
Dhamma Rajasa Temple Vesak Day 2025
43 Vihara & Panti Jompo Fo Shi An Hari Raya Waisak 2025
Rp8.500.000
Fo Shi An Temple & Nursing Home Vesak Day 2025
44 Vihara Buddha Praba Hari Raya Waisak 2025
Rp7.500.000
Buddha Praba Temple Waisak Festival 2025
45 Vihara Dhamma Saggara Hari Raya Waisak 2025
Rp5.500.000
Dhamma Saggara Buddhist Temple Vesak Day 2025
46 Yayasan Visi Mahakarya Bantuan 10 Kaki Palsu
Rp250.000.000
Visi Mahakarya Foundation Assistance for 10 Prosthetic Legs
Total
Rp693.000.000
Total
Tebar Syukur dalam Rapat Pimpinan (Rapim) FIFGROUP 2025
Tebar Syukur at the FIFGROUP 2025 Leadership Meeting (Rapim)
Setiap tahun, momen Rapat Pimpinan (Rapim) tidak hanya Every year, the Leadership Meeting (Rapim) is not only a strategic
menjadi ajang konsolidasi strategis bagi FIFGROUP, tetapi consolidation event for FIFGROUP, but also an opportunity to
juga ruang untuk menyalurkan rasa syukur melalui aksi nyata. express gratitude through concrete actions. At the 2025 Rapim,
Pada Rapim 2025, Perseroan kembali meneguhkan komitmen the Company reaffirmed its social commitment by providing
sosialnya dengan memberikan dukungan kepada enam rumah support to six houses of worship from five religions in the city of
ibadah dari lima agama yang berdiri di Kota Bandung. Bantuan Bandung. The assistance provided, each worth Rp36 million with
yang diberikan, masing-masing senilai Rp36 juta dengan total a total contribution of Rp216 million, was intended to support
kontribusi Rp216 juta-ditujukan untuk mendukung kelancaran the smooth running of religious activities while accelerating
kegiatan keagamaan sekaligus mempercepat proses renovasi the renovation and construction of worship facilities.
dan pembangunan fasilitas ibadah.
Diserahkan langsung pada tanggal 13 Desember 2025 di Presented directly on December 13, 2025, at the FIFGROUP
FIFGROUP Cabang Bandung 2, inisiatif tahunan ini tidak hanya Bandung 2 Branch, this annual initiative not only reflects the
mencerminkan semangat keberagaman, tetapi juga kedekatan spirit of diversity but also the company's emotional closeness to
emosional perusahaan dengan masyarakat sekitar. Melalui the surrounding community. Through this small but meaningful
langkah kecil namun bermakna ini, FIFGROUP berharap tempat step, FIFGROUP hopes that places of worship can continue
ibadah dapat terus menjadi ruang yang aman, nyaman, dan to be safe, comfortable, and inspiring spaces for people to
inspiratif bagi umat dalam menjalankan keyakinannya masing- practice their respective beliefs.
masing.
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Total dana Jumlah sebaran
Total funds Number of distributions
Rp216 Juta
Million 6 rumah ibadah
places of worship
Agama Rumah Ibadah
Religion Places of worship
Islam Masjid Jami Nur Al-Ghifari & Masjid Nurul Hidayah
Jami Nur Al-Ghifari Mosque & Nurul Hidayah Mosque
Kristen Gereja Batak Karo Protestan
Christianity Batak Karo Protestant Church
Katolik Gereja Katolik Paroki Salib Suci
Catholicism Salib Suci Catholic Parish Church
Hindu Pura Wira Satya Dharma
Hinduism Wira Satya Dharma Temple
Budha Vihara Vimala Dharma
Buddhism Vimala Dharma Buddhist Temple
Peduli Bencana
Disaster Relief
Penerima
Erupsi Gunung Banjir Tanah Longsor & Banjir manfaat program
Volcanic Eruption Flood Landslides & Floods Program beneficiaries
1 24 2 2.835 households
KK
Ketika bencana melanda, kehadiran yang sigap dan empatik When disaster strikes, a swift and empathetic response
sering kali menjadi harapan pertama bagi masyarakat. is often the first hope for the community. Throughout
Sepanjang 2025, Indonesia kembali diuji oleh rentetan 2025, Indonesia was once again tested by a series of
musibah, mulai dari erupsi Gunung Lewotobi dan Gunung disasters, ranging from the eruptions of Mount Lewotobi
Ruang yang memaksa lebih dari 6.000 warga mengungsi, and Mount Ruang, which forced more than 6,000 residents
hingga banjir, tanah longsor, dan kebakaran yang merusak to evacuate, to floods, landslides, and fires that damaged
rumah maupun infrastruktur vital. Di tengah kepanikan homes and vital infrastructure. Amidst the panic and loss,
dan kehilangan, FIFGROUP hadir sebagai tangan yang FIFGROUP stepped in to help, ensuring that the basic
membantu, memastikan kebutuhan dasar para penyintas needs of survivors were met.
tetap terpenuhi.
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Melalui program tanggap darurat CID, FIFGROUP Through its CID emergency response program, FIFGROUP
menyalurkan bantuan sembako untuk korban bencana distributed basic food supplies to disaster victims
sepanjang 2025 dengan total nilai Rp417.205.000, throughout 2025 with a total value of Rp417,205,000,
menjangkau 2.835 KK yang terdampak. Bantuan ini tidak reaching 2,835 affected households. This assistance not
sekadar memenuhi kebutuhan mendesak, tetapi juga only meets urgent needs but also serves as a symbol of
menjadi simbol dukungan moral bagi masyarakat yang moral support for communities rebuilding their lives. With a
sedang membangun kembali kehidupan mereka. Dengan spirit of collaboration and compassion, FIFGROUP remains
semangat kolaborasi dan kepedulian, FIFGROUP terus committed to being present in the community, not just as
berkomitmen hadir di tengah masyarakat, bukan hanya a financial institution but as a partner ready to act when
sebagai lembaga keuangan, tetapi sebagai mitra yang disasters strike without warning.
sigap ketika bencana datang tanpa peringatan.
Titik Lokasi Jumlah Penerima Bantuan (KK) Bencana Nilai Bantuan
Location Number of Assistance Recipients (Households) Disaster Aid Value
Lumajang 170 KK Erupsi Gunung Rp24.990.000
170 households Volcanic Eruption
Padang Sidempuan 100 KK Banjir Rp15.000.000
100 households Flood
Padang Sidempuan 100 KK Banjir Rp15.000.000
100 households Flood
Sibolga 50 KK Banjir dan Tanah Longsor Rp7.500.000
50 households Flood and landslide
Padang 73 KK Banjir Rp18.287.500
73 households Flood
Padang 52 KK Banjir Rp10.000.000
52 households Flood
Solok 90 KK Banjir Rp10.992.500
90 households Flood
Bukittinggi 50 KK Banjir Rp10.000.000
50 households Flood
Simpang Empat 50 KK Banjir
50 households Flood
Rp19.200.000
Simpang Empat 50 KK Banjir
50 households Flood
Simpang Empat 50 KK Banjir Rp8.685.000
50 households Flood
Subulussalam 100 KK Banjir Rp16.000.000
100 households Flood
Sibolga 350 KK Banjir dan Tanah Longsor Rp52.500.000
350 households Flood and landslide
Medan 100 KK Banjir Rp10.000.000
100 households Flood
Binjai 100 KK Banjir Rp10.000.000
100 households Flood
Central Medan 100 KK Banjir Rp10.000.000
100 households Flood
Lubuk Pakam 100 KK Banjir Rp10.000.000
100 households Flood
Tembung 100 KK Banjir Rp10.000.000
100 households Flood
Medan II 100 KK Banjir Rp10.000.000
100 households Flood
Medan III 100 KK Banjir Rp10.000.000
100 households Flood
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Titik Lokasi Jumlah Penerima Bantuan (KK) Bencana Nilai Bantuan
Location Number of Assistance Recipients (Households) Disaster Aid Value
Sibolga 250 KK Banjir Rp37.500.000
250 households Flood
Meulaboh 100 KK Banjir Rp21.550.000
100 households Flood
Banda Aceh 100 KK Banjir Rp16.000.000
100 households Flood
Langsa 100 KK Banjir Rp16.000.000
100 households Flood
Aceh Timur 100 KK Banjir Rp16.000.000
100 households Flood
Lhokseumawe 100 KK Banjir Rp16.000.000
100 households Flood
Aceh Tengah 100 KK Banjir Rp16.000.000
100 households Flood
Bus Sosial FIFGROUP
Sebagai wujud kepedulian yang nyata, FIFGROUP As a tangible expression of its commitment to community
menghadirkan Bus Sosial, layanan transportasi gratis yang welfare, FIFGROUP has introduced Bus Sosial, a free
dapat digunakan masyarakat untuk berbagai kebutuhan transportation service available to the public for various
komunal, mulai dari kegiatan keagamaan, acara sekolah, communal needs, including religious activities, school
hingga urusan duka cita. Program ini lahir dari kebutuhan events, and funeral arrangements. This program was
masyarakat akan sarana transportasi yang aman, layak, dan developed in response to the community’s need for safe,
mudah diakses tanpa membebani biaya perjalanan mereka. reliable, and easily accessible transportation without
incurring additional travel costs.
Bus berkapasitas 24 penumpang ini dilengkapi fasilitas This 24-passenger bus is equipped with complete
lengkap seperti sound system, dispenser, laci penyimpanan, facilities such as a sound system, dispenser, storage
hingga pintu darurat, memastikan kenyamanan dalam setiap compartments, and emergency doors, ensuring comfort on
perjalanan. Hingga 2025, FIFGROUP mengoperasikan 8 every journey. By 2025, FIFGROUP will operate 8 Buses,
unit Bus Sosial yang tersebar di Head Office sebanyak with 2 units at the Head Office and several branches,
2 unit dan beberapa cabang yakni 1 unit di Yogyakarta, 1 namely 1 unit in Yogyakarta, 1 unit in Surabaya, 1 unit in
Unit di Surabaya, 1 Unit di Manado, 1 Unit di Medan, hingga Manado, 1 unit in Medan, and 1 unit in Denpasar, which
1 Unit di Denpasar, yang sepenuhnya dapat digunakan can be used by the community by following the applicable
masyarakat dengan mengikuti prosedur peminjaman borrowing procedures.
yang berlaku.
Program ini tidak hanya menghadirkan kemudahan This program not only provides mobility convenience
mobilitas, tetapi juga membantu masyarakat mengalihkan but also helps the community redirect travel budgets to
anggaran perjalanan ke kebutuhan prioritas lainnya. other priority needs. Throughout 2025, Bus Sosial has
Sepanjang 2025, Bus Sosial telah dimanfaatkan dalam 1.560 been utilized in 1,560 trips, carrying a total of 37,440
perjalanan/Trip, membawa total 37.440 penumpang yang passengers who enjoyed free transportation. With its
menikmati kemudahan transportasi tanpa biaya. Dengan expanding contribution, FIFGROUP’s Bus Sosial has
kontribusi yang semakin meluas, Bus Sosial FIFGROUP become a bridge of solidarity that supports social activities
menjadi jembatan solidaritas yang mendukung aktivitas and strengthens relationships with communities in the
sosial dan mempererat hubungan dengan komunitas di company’s operational areas.
sekitar wilayah operasional perusahaan.
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Penggunaan Bus Sosial Tahun 2025 (Total 8 Bus)
Bus Sosial Usage in 2025 (Total 8 Buses)
Bulan Total Jumlah Trip Total Penumpang
Month Total Number of Trips Total Passengers
Januari 126 3.024
January
Februari 132 3.168
February
Maret 116 2.784
March
April 141 3.384
April
Mei 146 3.504
May
Juni 137 3.288
June
Juli 130 3.120
July
Agustus 112 2.688
August
September 104 2.496
September
Oktober 142 3.408
October
November 145 3.480
November
Desember 129 3.096
December
YTD Desember 2025 1.560 37.440
YTD December 2025
Rekapitulasi Kinerja Program CSR FIFGROUP
CSR FIFGROUP Program Performance Recap
Keberhasilan pelaksanaan program-program CID FIFGROUP The success of the implementation of CID FIFGROUP programs
kami evaluasi menggunakan beberapa perhitungan indeks is evaluated using several specific criteria index calculations,
kriteria spesifik, seperti disampaikan pada tabel berikut: as presented in the following table:
Kriteria Penilaian Pilar CID Nilai
Program
Evaluation Criteria CID Pillars Score
Customer Satisfacion Index FIFGROUP Sehat Program Posyandu 3,87/ 4,00
(CSI)-Skala 4,00 Posyandu Program
Customer Satisfaction Index Program stunting 3,88/ 4,00
(CSI) - Scale 4.00 Stunting Program
Donor darah 3,86/ 4,00
Blood Donation
Rumah singgah 3,88/ 4,00
FIFGROUP Pintar Program jam sosial mengajar 3,86/ 4,00
Social teaching program
Pelatihan guru 3,86/ 4,00
Teacher Training
Success Rate FIFGROUP Pintar Jam Sosial Mengajar 100%
Social Teaching Hours
Kelancaran Pengembalian Dana FIFGROUP Sejahtera Program dana bergulir 96%
Seamless Repayment of Funds Revolving Fund Program
Customer Satisfacion Index FIFGROUP Lestari Rumah Pembibitan 3,87/ 4,00
(CSI)-Skala 4,00
Customer Satisfaction Index
(CSI) - Scale 4.00
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Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Menjaga Kelestarian Lingkungan
Preserving the Environment
“Dalam menghadapi realitas perubahan iklim yang semakin nyata, FIFGROUP
menempatkan pelestarian lingkungan sebagai bagian tak terpisahkan dari
identitas dan tanggung jawab sosialnya. Komitmen ini bukan sekadar program,
tetapi sebuah perjalanan panjang untuk meninggalkan jejak positif bagi bumi dan
generasi yang akan datang. Melalui berbagai inisiatif ramah lingkungan, Perseroan
berupaya mengelola dampak operasional secara lebih bijak, mengurangi emisi,
serta mendorong budaya keberlanjutan di seluruh lini bisnis.
Sejalan dengan visi menuju net zero emission Scope 1 dan 2 pada tahun 2050,
FIFGROUP terus memperkuat transisi energi bersih, mengoptimalkan efisiensi
energi, dan mengadopsi teknologi rendah karbon yang lebih inovatif. Upaya ini
tidak hanya mencerminkan dukungan terhadap agenda dekarbonisasi global,
tetapi juga menjadi langkah nyata Perseroan dalam membangun operasi yang
lebih hijau, resilien, dan berkelanjutan, hari ini dan di masa depan.”
“In addressing increasingly evident climate change, FIFGROUP places environmental sustainability
as an integral part of its identity and social responsibility. This commitment is not merely a program,
but a long journey to leave a positive mark on the earth and future generations. Through various
environmentally friendly initiatives, the Company strives to manage its operational impact more
wisely, reduce emissions, and promote a culture of sustainability across all lines of business.
In line with its vision of achieving net-zero Scope 1 and 2 emissions by 2050, FIFGROUP continues
to strengthen its clean energy transition, optimize energy efficiency, and adopt more innovative
low-carbon technologies. These efforts not only reflect the Company’s support for the global
decarbonization agenda but also serve as concrete steps toward building greener, more resilient,
and sustainable operations, both today and in the future.
Inisiatif Green Lifestyle [OJK F.5]
1. Mengurangi emisi gas rumah kaca sebesar 20,47% disbanding baseline tahun 2019 dan melakukan penanaman dan pengelolaan
terhadap total 122.000 pohon yang tersebar di Hutan FIFGROUP Jayamekar, Garut dan Hutan FIFGROUP Karacak Valley, Garut
sebagai strategi carbon offset perusahaan
Reducing greenhouse gas emissions by 20.47% compared to the 2019 baseline and planting and managing a total of 122,000 trees
spread across the FIFGROUP Jayamekar Forest, Garut and the FIFGROUP Karacak Valley Forest, Garut as part of the company’s
carbon offset strategy
2. Meningkatkan penggunaan energi baru terbarukan melalui program pemasangan solar panel dengan total di 42 cabang
Increasing the use of renewable energy through a solar panel installation program across 42 office branches
3. Menggunakan produk ramah lingkungan, yakni lampu Light Emitting Diode (LED) di seluruh jaringan Perusahaan
Using environmentally friendly products, namely Light Emitting Diode (LED) lights throughout the company's network.
4. Mendorong pengurangan intensitas pengambilan air permukaan dan air tanah dan meningkatkan pengelolaan daur ulang air
Encouraging a reduction in the intensity of surface water and groundwater extraction and improving water recycling management.
5. Mengelola limbah padat
Managing solid waste
6. Menjalankan sistem digital signing dan approval untuk menghemat kertas
Implementing a digital signing and approval system to save paper.
7. Melaksanakan kegiatan edukasi untuk meningkatkan kesadaran karyawan dalam mendukung green lifestyle melalui campaign
komunikasi media sosial dan membangun budaya kerja green lifestyle
Conducting educational activities to raise employee awareness in supporting a green lifestyle through social media communication
campaigns and building a green lifestyle work culture
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Dalam menghadapi tantangan perubahan iklim, FIFGROUP In overcoming the challenges of climate change, FIFGROUP
terus memperluas aksi lingkungan yang terintegrasi ke seluruh continues to expand its integrated environmental actions across
operasionalnya. Setiap langkah dirancang untuk menekan emisi, all its operations. Every step is designed to reduce emissions,
meningkatkan efisiensi penggunaan energi, serta mengurangi increase energy efficiency, and reduce waste. Small actions
timbulan limbah. Gerakan kecil yang dilakukan karyawan-mulai taken by employees, from saving electricity in the office, using
dari penghematan listrik di kantor, pemanfaatan air secara lebih water more wisely, to applying the principles of reduce, reuse,
bijak, hingga penerapan prinsip reduce,reuse, dan recycle and recycle, form the foundation of the company’s green culture.
menjadi fondasi budaya hijau perusahaan.
FIFGROUP juga mendorong transformasi energi bersih melalui FIFGROUP also encourages clean energy transformation
pemasangan panel surya di beberapa fasilitas, penggunaan through the installation of solar panels in several facilities, the
kendaraan listrik operasional, optimalisasi B40, dan penerangan use of electric vehicles for operations, B40 optimization, and
berbasis LED. Selain itu, perusahaan terus memperkuat transisi LED-based lighting. Furthermore, the company continues to
menuju ekonomi rendah karbon melalui program penanaman strengthen the transition to a low-carbon economy through
pohon, pengelolaan limbah plastik, serta pembelian Renewable tree planting programs, plastic waste management, and the
Energy Certificate (REC) sebagai bentuk dukungan terhadap purchase of Renewable Energy Certificates (REC) as a form of
pemanfaatan energi terbarukan. support for the use of renewable energy.
Selama tahun 2025, total biaya terkait keberlanjutan/ During 2025, total sustainability spending reached Rp13.879
sustainability spending mencapai Rp13,879 miliar, mencakup billion, including green energy initiatives, waste management,
inisiatif energi hijau, pengelolaan limbah, konservasi, dan conservation, and other environmentally friendly technologies.
teknologi ramah lingkungan lainnya. Seluruh upaya ini dijalankan All of these efforts are carried out with the principles of
dengan prinsip kehati-hatian dan kepatuhan pada regulasi, prudence and regulatory compliance, and no environmental
serta tidak terdapat pengaduan lingkungan yang diterima complaints were received during the reporting period. Through
dalam periode pelaporan. Melalui komitmen berkelanjutan this ongoing commitment, FIFGROUP hopes to inspire more
ini, FIFGROUP berharap dapat menginspirasi lebih banyak parties to adopt a more responsible lifestyle towards the earth.
pihak untuk mengadopsi gaya hidup yang lebih bertanggung
jawab terhadap bumi.
[OJK F.4]
Uraian
2025 2024 2023
Description
Biaya Keberlanjutan (Rp juta) 13.879 12.980 12.120
Sustainability Spending (Rp million)
Perseroan telah menetapkan target untuk mengelola kinerja The Company has set targets for managing sustainability
keberlanjutan terkait aksi perubahan iklim. Pengukuran yang performance related to climate change action. The
digunakan terkait konsumsi emisi, energi, air, limbah, dan upaya measurements used in relation to emissions, energy, water,
pelestarian lingkungan dijabarkan sebagai berikut. waste, and environmental conservation efforts are described
as follows.
Emisi Gas Rumah Kaca dan Bauran Energi Baru Greenhouse Gas Emissions and Renewable
Terbarukan [OJK F.7, F.12][GRI 3-3] Energy Mix [OJK F.7, F.12][GRI 3-3]
Selaras dengan komitmen ASTRA 2030 Sustainability In line with ASTRA's 2030 Sustainability Aspirations, FIFGROUP
Aspirations, FIFGROUP terus memperkuat langkah continues to strengthen its decarbonization efforts through
dekarbonisasi melalui efisiensi energi dan adopsi sumber energy efficiency and the adoption of renewable energy sources
energi terbarukan sebagai bagian dari strategi adaptasi dan as part of its climate change adaptation and mitigation strategy.
mitigasi perubahan iklim. Energi menjadi komponen penting Energy is an important component in the Company’s operations,
dalam operasional Perseroan-mulai dari listrik untuk fasilitas ranging from electricity for office facilities to the use of fuel for
kantor hingga penggunaan bahan bakar untuk aktivitas operational activities. Throughout 2025, FIFGROUP’s electricity
operasional. Sepanjang 2025, konsumsi listrik FIFGROUP consumption reached 23,330,582.97 kWh, an increase of 1.12%
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Sustainability Governance Sustainability Performance
tercatat mencapai 23.330.582,97 kWh, meningkat 1,12% compared to 2024 usage of 23,072,715.97 kWh. Meanwhile,
dibandingkan penggunaan tahun 2024 sebesar 23.072.715,97 total energy from fuel for stationary and operational vehicle
kWh. Sementara itu, total energi dari bahan bakar untuk needs reached 49,673,361 megajoules, up 3.34% from the
kebutuhan stationer maupun kendaraan operasional mencapai 2024 realization of 48,066,150 megajoules. The increase in
49.673.361 megajoule, naik 3,34% dari realisasi tahun 2024 consumption occurred in line with business activity growth
sebesar 48.066.150 megajoule. Peningkatan konsumsi terjadi and service network expansion that drove productivity. During
seiring pertumbuhan aktivitas bisnis dan ekspansi jaringan the same period, energy intensity was recorded at 0.49 GJ per
layanan yang mendorong produktivitas. Pada periode yang employee per month, reflecting energy requirements relevant
sama, intensitas energi tercatat sebesar 0,49 GJ per karyawan to the scale of operations that continue to grow. [GRI 302-1]
per bulan, mencerminkan kebutuhan energi yang relevan
dengan skala operasional yang terus berkembang. [GRI 302-1]
Konsumsi Energi Berdasarkan Sumber (Mj) Energy Consumption by Source (Mj)
[OJK F.6][GRI 302-1] [OJK F.6][GRI 302-1]
Sumber Energi
2025 2024 2023
Energy Source
Energi tidak terbarukan
Non-renewable energy
Pembakaran Bahan Bakar Stasioner 1.680.393 2.158.100 2.134.070
Stationary Fuel Combustion
Pembakaran Bahan Bakar Mobile 47.992.967 45.908.050 46.188.680
Mobile Fuel Combustion
Jumlah Konsumsi Energi tidak 49.673.361 48.066.150 48.322.750
Terbarukan
Total Non-Renewable Energy
Consumption
Energi Baru Terbarukan
Renewable Energy
Biofuels (Bahan Bakar Stasioner) 1.009.334 833.320 824.040*
Biofuel (Stationary Fuel)
Pembangkit Listrik Terbarukan 1.636.089 1.144.080 763.050
(Solar PV)
Renewable Power Plants (Solar PV)
Pembelian REC 20.863.000 15.503.000 5.472.130
REC Purchase
Jumlah Konsumsi Energi Terbarukan 23.508.423 17.480.400 7.059.220
Total Renewable Energy Consumption
Energi Tidak Terbarukan yang dibeli
Non-Renewable Energy Purchased
Listrik PLN 83.986.544 83.058.260 76.370.800
PLN Electricity
Jumlah Konsumsi Energi (MJ) 157.168.328 148.604.810 131.752.770
Total Energy Consumption (MJ)
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Intensitas Penggunaan Energi [OJK F.6][GRI 302-3] Energy Intensity [OJK F.6][GRI 302-3]
Uraian Satuan
2025 2024 2023
Description Unit
Volume Penggunaan Listrik kWh 23.330.582,91 23.072.715,97 21.215.009,63
Electricity Usage Volume
GJ 83.986,54 83.058,26 76.370,80
Intensitas Penggunaan Listrik kWh per karyawan per bulan 134,91 136,04 128,10
Electricity Usage Intensity kWh per employee per month
GJ per karyawan per bulan 0,49 0,50 0,46
GJ per employee per month
Penggunaan energi listrik dan bahan bakar juga berdampak The use of electricity and fuel also has an impact on the amount
pada jumlah emisi yang dihasilkan. Untuk itu, Perseroan of emissions produced. Therefore, the Company supports
mendukung upaya mitigasi dan adaptasi perubahan iklim climate change mitigation and adaptation efforts by calculating
dengan menghitung emisi Gas Rumah Kaca (GRK) cakupan Scope 1 & 2 greenhouse gas (GHG) emissions. To date, the
1 & 2. Hingga saat ini Perseroan sedang mengembangkan Company is developing Scope 3 GHG emissions calculations.
perhitungan emisi GRK cakupan 3. Pada tahun 2025, jumlah In 2025, FIFGROUP’s emissions amounted to 21,966.92 tons
emisi yang dihasilkan FIFGROUP yaitu sebesar 21.966,92 of CO2 eq. [GRI 305-3]
tonCO2 eq. [GRI 305-3]
Jumlah Emisi Cakupan 1 & 2 (Ton Co2 Eq) Total Scope 1 & 2 Emissions (Tons Co2 Eq)
[OJK F.11][GRI 305-1, 305-2] [OJK F.11][GRI 305-1, 305-2]
Cakupan Emisi GRK
2025 2024 2023
Scope of GHG Emissions
Cakupan 1
Scope 1
Pembakaran Bahan Bakar 6.711,42 6.632,81 6.936,63
Fugitif (Refrigerant & Fire Suppresion)
Fuel Combustion
Fugitive (Refrigerant & Fire Suppression)
Cakupan 2
Scope 2
Listrik dan Energi yang dibeli 20.297,61 20.073,26 18.457,06
Electricity and Purchased Energy
Total Emisi GRK 27.009,02 26.706,07 25.393,69
Total GHG Emissions
Pembelian REC 5.042,11 3.746,72 1.322,49
REC Purchase
Total Emisi GRK setelah Pembelian REC 21.966,92 22.959,35 24.071,20
Total GHG Emissions after REC Purchase
Keterangan:
1. Referensi perhitungan pelaporan emisi gas rumah kaca (GRK) mengacu pada Greenhouse Gas Protocol Corporate Standard (2004), World Resource Institute, World Business Council
for Sustainable Development dan standar pelaporan Global Reporting Standards.
2. Adapun faktor emisi dan konversi lainnya diperoleh dari sumber baik nasional maupun internasional yang umum digunakan.
3. Data berasal dari seluruh jaringan FIFGROUP
Note:
1. The reference for greenhouse gas (GHG) emissions reporting calculations refers to the Greenhouse Gas Protocol Corporate Standard (2004), World Resource Institute, World Business
Council for Sustainable Development, and Global Reporting Standards.
2. Other emission and conversion factors are obtained from commonly used national and international sources.
3. Data is sourced from the entire FIFGROUP network
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Intensitas Emisi [OJK F.11][GRI 305-4] Emissions Intensity [OJK F.11][GRI 305-4]
Uraian Satuan
2025 2024 2023
Description Unit
Jumlah Emisi GRK Ton CO2 eq 21.966,92 22.959,35 24.071,20
(Cakupan 1 dan 2)
Total GHG Emissions
(Scope 1 and 2)
Pendapatan Operasional Rp miliar 15.079 13.350 10.416
Operating Income Rp billion
Intensitas Emisi Ton CO2 eq/Rp miliar 1,46 1,72 2,31
Emissions Intensity Tons of CO2 eq/Rp billion
* Penyajian Kembali
* Restatement
FIFGROUP terus memperkuat komitmennya terhadap mitigasi FIFGROUP continues to strengthen its commitment to climate
perubahan iklim melalui berbagai langkah nyata yang menekan change mitigation through various concrete measures that
konsumsi energi dan menurunkan emisi gas rumah kaca. reduce energy consumption and greenhouse gas emissions.
Sepanjang 2025, beberapa inisiatif efisiensi energi dijalankan Throughout 2025, several energy efficiency initiatives were
secara lebih terarah, mulai dari penghematan penggunaan listrik implemented in a more focused manner, ranging from
pada Air Conditioner (AC), optimalisasi lampu Light Emitting saving electricity usage in air conditioners (AC), optimizing
Diode (LED) di seluruh jaringan kantor, pembelian Renewable Light Emitting Diode (LED) lighting throughout the office
Energy Certificate (REC) sejumlah 20.863,00 GJ, hingga network, purchasing 20,863.00 GJ of Renewable Energy
pemasangan panel surya berkapasitas 10,8 kWp di 12 kantor Certificates (REC), to the installation of 10.8 kWp solar panels
cabang sebagai bagian dari penerapan energi baru terbarukan. in 12 branch offices as part of the implementation of new and
Seluruh langkah ini berkontribusi langsung terhadap penurunan renewable energy. All of these measures contribute directly
emisi GRK dari operasional Perseroan. [OJK F.7][GRI 305-5] to reducing GHG emissions from the Company's operations.
[OJK F.7][GRI 305-5]
Selain berfokus pada efisiensi energi, Perseroan juga Not only focusing on energy efficiency but the Company
memperhatikan pengelolaan limbah agar tidak menciptakan also pays attention to waste management so as not to create
beban lingkungan tambahan. Salah satu langkah yang additional environmental burdens. One of the steps taken is
dilakukan adalah meningkatkan upaya pemulihan limbah to increase efforts to recover non-hazardous waste through
non-B3 melalui kegiatan daur ulang dan kerja sama dengan recycling activities and cooperation with authorized parties to
pihak berizin untuk memastikan limbah diproses dengan aman ensure that waste is processed safely and responsibly. These
dan bertanggung jawab. Upaya ini mencerminkan komitmen efforts reflect FIFGROUP's commitment to promoting a more
FIFGROUP dalam mendorong sistem pengelolaan limbah yang sustainable waste management system. [GRI 306-5]
lebih berkelanjutan. [GRI 306-5]
Sebagai bagian dari kontribusi terhadap pelestarian As part of its contribution to biodiversity conservation, FIFGROUP
keanekaragaman hayati, FIFGROUP menjalankan program has been organizing a tree planting program since 2018. All
penanaman pohon yang telah berlangsung sejak 2018. Seluruh activities are aimed at improving environmental quality, even
kegiatan ditujukan untuk memperbaiki kualitas lingkungan, though none of the head offices or branch networks are located
meskipun tidak satu pun kantor pusat maupun jaringan cabang in or near protected areas, so that the Company's operations do
berlokasi di dalam atau dekat kawasan lindung, sehingga not have a negative impact on ecosystems of high conservation
operasional Perseroan tidak menimbulkan dampak negatif value. The tree planting program was carried out in collaboration
terhadap ekosistem bernilai konservasi tinggi. Program with the Agricultural Vocational School, namely SMKN 04 Garut.
penanaman pohon dilakukan melalui kolaborasi dengan including activities ranging from introducing local species and
SMK Pertanian yaitu SMKN 04 Garut, mencakup kegiatan seedling cultivation to planting in areas in need of rehabilitation.
pengenalan spesies lokal, pembibitan, hingga penanaman By 2025, a total of 3,000 trees have been planted as part
pada area yang membutuhkan rehabilitasi. Pada tahun of efforts to restore habitats and improve landscape quality.
2025, total 3.000 pohon berhasil ditanam sebagai bagian [OJK F.12][GRI 304-1, 304-2, 304-3, 304-4]
dari upaya restorasi habitat dan perbaikan kualitas lanskap.
[OJK F.12][GRI 304-1, 304-2, 304-3, 304-4]
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Melalui rangkaian upaya ini, FIFGROUP tidak hanya Through this series of efforts, FIFGROUP not only contributes
berkontribusi pada penurunan emisi dan efisiensi energi, tetapi to reducing emissions and improving energy efficiency but
juga memperkuat peran aktifnya dalam menjaga keragaman also strengthens its active role in preserving biodiversity and
hayati dan mengurangi potensi degradasi lingkungan melalui reducing the potential for environmental degradation through
tindakan pemulihan yang berkelanjutan. Program-program sustainable restoration measures. These programs are an
tersebut menjadi landasan penting bagi FIFGROUP dalam important foundation for FIFGROUP in supporting climate
mendukung ketahanan iklim dan mempercepat transisi menuju resilience and accelerating the transition to environmentally
operasional yang ramah lingkungan. friendly operations.
Pengelolaan Air [OJK F.8] Water Management [OJK F.8]
FIFGROUP melihat air sebagai sumber daya penting yang FIFGROUP views water as an important resource that
mendukung kenyamanan kerja, operasional kantor, serta supports work comfort, office operations, and environmental
pemeliharaan lingkungan. Karena itu, Perseroan mengelola maintenance. Therefore, the Company manages water usage in
penggunaan air secara terukur dan bertanggung jawab sebagai a measured and responsible manner as part of its sustainability
bagian dari komitmen keberlanjutan. Perseroan memantau commitment. The Company monitors water requirements
kebutuhan air di seluruh jaringan kantor dan cabang untuk across its entire network of offices and branches to affirm all
memastikan bahwa setiap aktivitas operasional tetap efisien operational activities remain efficient and do not place excessive
dan tidak memberi tekanan berlebih pada ketersediaan air pressure on local water availability. These management efforts
setempat. Upaya pengelolaan ini juga termasuk pemantauan also include risk monitoring, strategy setting, and periodic
risiko, penetapan strategi, serta evaluasi berkala sebagai bagian evaluation as part of the material topic management process.
dari proses manajemen topik material. [GRI 3-3] [GRI 3-3]
Sepanjang tahun 2025, pemenuhan kebutuhan air FIFGROUP Throughout 2025, FIFGROUP’s water needs were sourced
berasal dari PDAM dan digunakan untuk keperluan domestik, from PDAM and used for domestic, sanitation, and facility
sanitasi, serta perawatan fasilitas. Total konsumsi mencapai maintenance purposes. Total consumption reached 262,808
262.808 m³, meningkat 10,39% dari tahun 2024 sebesar m³, an increase of 10.39% from 238,079 m³ in 2024. This
238.079 m³. Kenaikan ini selaras dengan bertambahnya jumlah increase is in line with the addition of branch offices in line
kantor cabang seiring ekspansi bisnis dan peningkatan aktivitas with business expansion and increased operational activities.
operasional. [GRI 303-1, 303-3] [GRI 303-1, 303-3]
Untuk menjaga keberlanjutan, FIFGROUP memperkuat berbagai To maintain sustainability, FIFGROUP has strengthened various
inisiatif efisiensi air di kantor pusat dan cabang. Program water efficiency initiatives at its head office and branch offices.
yang dijalankan meliputi optimalisasi perawatan fasilitas air, The programs implemented include optimizing water facility
hingga kampanye penghematan yang melibatkan seluruh maintenance and conducting water conservation campaigns
karyawan. Perseroan juga berupaya mengurangi intensitas involving all employees. The company also strives to reduce
pengambilan air sekaligus mendorong penggunaan kembali water withdrawal intensity while encouraging water reuse
air melalui praktik pemeliharaan lingkungan yang lebih baik. through better environmental maintenance practices. These
Inisiatif ini diharapkan dapat menekan konsumsi air per kapita initiatives are expected to reduce per capita water consumption
dan mendukung tujuan efisiensi jangka panjang. [GRI 303-5] and support long-term efficiency goals. [GRI 303-5]
Sumber Air
2025 2024 2023
Water Source
Air PDAM (M3) 262.808 238.079 211.312
PDAM Water (M³)
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Pengelolaan Sampah [GRI 3-3] Waste Management [GRI 3-3]
Sebagai bagian dari pengelolaan dampak lingkungan, As part of its environmental impact management, FIFGROUP
FIFGROUP mengidentifikasi limbah padat domestik non- identifies non-plastic domestic solid waste and plastic waste
plastik dan limbah plastik sebagai sumber utama emisi dan as the main sources of emissions and pollution that need to
pencemaran yang perlu dikendalikan dari kegiatan operasional be controlled from the operations of its head office and branch
kantor pusat dan jaringan cabang. Sepanjang tahun 2025, total network. Throughout 2025, the total amount of non-plastic
timbulan limbah padat domestik non-plastik mencapai 29.600 domestic solid waste reached 29,600 kg and plastic waste
kg dan limbah plastik 8.420kg, yang berpotensi menambah reached 8,420 kg, which could potentially increase the load
beban TPA dan menurunkan kualitas lingkungan bila tidak on landfills and reduce environmental quality if not managed
dikelola dengan baik. properly.
Untuk memitigasi dampak tersebut, Perseroan membangun To mitigate these impacts, the Company has established a
sistem pengelolaan sampah terstruktur dengan menggandeng structured waste management system by partnering with waste
bank sampah di 63 titik jaringan FIFGROUP sebagai mitra banks at 63 points in the FIFGROUP network as its main partners.
utama. Melalui kerja sama ini, sebanyak 10.960 kg atau 28,83% Through this collaboration, 10,960 kg or 28.83% of non-plastic
limbah padat domestik non-plastik dan 3.960 kg atau 10,42% domestic solid waste and 3,960 kg or 10.42% of plastic waste
limbah plastik berhasil dikumpulkan, dipilah, dan dialirkan ke were successfully collected, sorted, and channelled to more
jalur pengolahan yang lebih bertanggung jawab, seperti daur responsible processing channels, such as recycling and reuse.
ulang dan pemanfaatan kembali. Pada tahun 2025, tidak terjadi By 2025, there were no incidents of waste spills or significant
insiden tumpahan limbah atau pelanggaran signifikan terkait violations related to waste management.
pengelolaan sampah.
Untuk memastikan pengelolaan sampah berjalan konsisten To achieve consistent waste management across the entire
di seluruh jaringan, FIFGROUP mengintegrasikan kebijakan network, FIFGROUP integrated waste reduction and sorting
pengurangan dan pemilahan limbah ke dalam prosedur policies into its operational procedures, involving employees,
operasional, melibatkan karyawan, bank sampah, dan komunitas waste banks, and surrounding communities as key partners
sekitar sebagai mitra utama perubahan perilaku. in behavioral change.
Untuk memudahkan implementasi di lapangan dan mendorong To facilitate implementation in the field and encourage
partisipasi karyawan, inisiatif pengelolaan sampah dikemas employee participation, the waste management initiative is
dalam program Ayo Kurangi Sampah Indonesia (AKSI) dengan packaged in the Ayo Kurangi Sampah Indonesia (AKSI) program
rangkaian langkah berikut: with the following steps:
1. Komitmen AKSI di cabang – Penandatanganan Komitmen 1. AKSI Commitment at Branches – Signing of the AKSI
AKSI oleh Kepala Cabang FIFGROUP sebagai pernyataan Commitment by Branch Heads FIFGROUP as a formal
formal untuk menjalankan pengurangan dan pemilahan statement to implement waste reduction and sorting in
sampah di unit kerja masing-masing. their respective work units.
2. Kegiatan Bersih-Bersih Sampah (Hike and Heal) – Pada 2. Clean-up Activity (Hike and Heal) – On the anniversary
peringatan HUT FIFGROUP 2025, program FIFGROUP of FIFGROUP 2025, the FIFGROUP Hike and Heal
Hike and Heal berhasil mengumpulkan 230 kg sampah program successfully collected 230 kg of waste from the
dari partisipasi 70 volunteer karyawan, yang kemudian participation of 70 employee volunteers, which was then
disalurkan ke bank sampah/mitra daur ulang. Selain itu, distributed to waste banks/recycling partners. In addition,
dilaksanakan program penanaman 360 bibit pohon dan a program to plant 360 tree seedlings and build 4 trash
pembangunan 4 bak sampah bins was implemented.
3. Pemilahan limbah di kantor pusat dan cabang - Penerapan 3. Waste sorting at the head office and branches -
pemilahan antara limbah padat domestik non-plastik dan Implementation of sorting between non-plastic domestic
limbah plastik di seluruh area kerja, dilengkapi tempat solid waste and plastic waste in all work areas, equipped
sampah terpilah dan panduan visual untuk karyawan. with separate trash bins and visual guides for employees.
4. Digitalisasi dokumen - Pengurangan limbah kertas melalui 4. Document digitization - Reduction of paper waste through
penerapan sistem digital signing dan approval, sehingga the implementation of a digital signing and approval system,
kebutuhan cetak dokumen dapat ditekan dan beban limbah thereby reducing the need for document printing and and
kertas berkurang secara bertahap. paper waste loads are gradually reduced.
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Seluruh kegiatan ini dimonitor secara berkala melalui pencatatan All of these activities are monitored regularly by recording the
volume timbulan dan limbah yang berhasil dikelola, serta volume of waste generated and waste successfully managed,
dievaluasi untuk penyempurnaan program di tahun berikutnya, and are evaluated for program improvement in the following
dengan hasil evaluasi dilaporkan kepada manajemen sebagai year, with the evaluation results reported to management as
bagian dari kinerja lingkungan Perseroan. part of the Company’s environmental performance.
Jumlah Limbah Padat yang Dihasilkan (Kg) Total Solid Waste Generated (Kg)
[OJK F.13][GRI 306-3, 306-4, 306-5] [OJK F.13][GRI 306-3, 306-4, 306-5]
2025 2024 2023
Uraian Pihak Pihak Pihak
Daur Daur Daur
Description ketiga Jumlah ketiga Jumlah ketiga Jumlah
ulang ulang ulang
Third Total Third Total Third Total
Recycle Recycle Recycle
parties parties parties
Limbah Padat Domestik 18.640 10.960 29.600 14.014 10.225 24.239 16.752,00 7.838,00 24.590,00
Non Plastik
Non-plastic domestic solid
waste
Limbah Padat Plastik 4.460 3.960 8.420 3.473 4.453 7.926 3.331,00 3.057,00 6.388,00
Plastic Solid Waste
Jumlah 23.100 14.920 38.020 17.487 14.678 32.165 20.083,00 10.895,00 30.978,00
Total
Mekanisme pengolahan limbah padat yang dihasilkan The mechanism for processing solid waste generated is to
yaitu menunjuk pihak ketiga yang memiliki sertifikasi untuk appoint a third party with certification to dispose of waste at a
membuang limbah ke Tempat Pembuangan Sampah Sementara, Temporary Waste Disposal Site, where it is sorted before being
untuk selanjutnya disortir sebelum diangkut ke Tempat transported to a Final Disposal Site. [OJK F.14, F.15]
Pembuangan Akhir. [OJK F.14, F.15]
Upaya Pelestarian Lingkungan [OJK F.9, F.10] Environmental Conservation Efforts [OJK F.9, F.10]
FIFGROUP terus memperkuat komitmennya menjaga FIFGROUP continues to strengthen its commitment to
keberlanjutan lingkungan melalui peluncuran Hutan FIFGROUP, environmental sustainability through the launch of Hutan
sebuah inisiatif penanaman pohon berskala besar yang FIFGROUP (FIFGROUP Forest), a large-scale tree planting
dipusatkan di kawasan Perhutanan Sosial Desa Jayamekar, initiative centered in the Jayamekar Village Social Forestry area,
Kabupaten Garut, Jawa Barat. Hingga tahun 2025, FIFGROUP Garut Regency, West Java. By 2025, FIFGROUP has planted
telah melakukan penanaman pohon sebanyak 55.000 bibit pada 55,000 seedlings in an area of 46 hectares in the FIFGROUP
area seluas 46 ha di kawasan Hutan FIFGROUP Jayamekar, Jayamekar Forest, Garut. FIFGROUP has also expanded its
Garut. FIFGROUP juga melakukan peningkatan program melalui program by managing 42,000 trees in an area covering 100
pengelolaan 42.000 pohon pada area seluas 100 ha di kawasan hectares in the FIFGROUP Karacak Valley Forest, Garut.
Hutan FIFGROUP Karacak Valley, Garut.
Sebagai bagian dari Pilar FIFGROUP Lestari, program ini As part of the FIFGROUP Lestari Pillar, this program is designed
dirancang untuk menjawab tantangan perubahan iklim dan to address the challenges of climate change and environmental
penurunan kualitas lingkungan, sekaligus sejalan dengan Paris degradation, while aligning with the Paris Agreement, SDG
Agreement, SDGs 13 (Penanganan Perubahan Iklim) dan SDGs 13 (Climate Action) and SDG 15 (Life on Land). To ensure
15 (Ekosistem Daratan). Untuk memastikan program berjalan the program is effective and science-based, FIFGROUP is
efektif dan berbasis sains, FIFGROUP menggandeng IPB collaborating with IPB University in the development of design,
University dalam pengembangan desain, monitoring, hingga monitoring, and periodic evaluation.
evaluasi berkala.
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Hutan FIFGROUP mengadopsi konsep agroforestry, Hutan FIFGROUP adopts the concept of agroforestry, combining
mengombinasikan tanaman kehutanan, spesies endemik, forestry plants, endemic species, and productive plants such as
hingga tanaman produktif seperti alpukat, kopi, dan durian. avocados, coffee, and durians. This approach not only increases
Pendekatan ini bukan hanya menambah tutupan hijau dan green cover and enriches biodiversity but also opens up
memperkaya biodiversitas, tetapi juga membuka peluang economic opportunities for the community through the potential
ekonomi bagi masyarakat melalui potensi hasil panen for sustainable harvests. With a planting structure designed for
berkelanjutan. Dengan struktur penanaman yang dirancang the long term, this area is expected to become a model for
untuk jangka panjang, kawasan ini diharapkan menjadi model environmental restoration that provides both ecological and
pemulihan lingkungan yang memberikan manfaat ekologis socio-economic benefits.
sekaligus sosial-ekonomi.
Program ini juga berfungsi sebagai instrumen carbon offset, This program also serves as a carbon offset instrument, helping
membantu menurunkan jejak emisi FIFGROUP dan mendukung to reduce FIFGROUP's emission footprint and supporting the
target lingkungan perusahaan di masa depan. Seluruh company's future environmental targets. All of the Company's
operasional Perseroan tidak berada di kawasan lindung maupun operations are located outside of protected areas and areas
area dengan keanekaragaman hayati tinggi, sehingga Hutan with high biodiversity, making Hutan FIFGROUP a proactive step
FIFGROUP menjadi langkah proaktif untuk menambah nilai to increase conservation value outside of operational areas.
konservasi di luar area operasional.
Selain itu, dalam mendukung pelestarian terhadap Furthermore, in supporting the preservation of biodiversity,
keanekaragaman hayati, FIFGROUP melakukan survei habitat FIFGROUP conducted a habitat survey and observation of
dan pengamatan spesies Kukang Jawa pada kawasan Hutan Javan slow loris species in the FIFGROUP Karacak Valley Forest
FIFGROUP Karacak Valley dan telah menemukan 8 ekor Kukang area and found 8 Javan slow loris. Furthermore, FIFGROUP
Jawa. Selain itu, FIFGROUP turut mendukung pelestarian also supports the conservation of Rafflesia Arnoldii plants in
tanaman Rafflesia Arnoldii pada kawasan Kampung Berseri the FIFGROUP-assisted Kampung Berseri Astra (KBA) Rafflesia
Astra (KBA) Binaan FIFGROUP Rafflesia Bukittinggi melalui Bukittinggi area through access improvements and community
perbaikan akses dan pemberdayaan komunitas pariwisata empowerment in tourism.
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen Written Verification by an Independent Party
[OJK G.1] [OJK G.1]
Meskipun penggunaan external assurance oleh pihak ketiga The use of external assurance by an independent third party can
yang independen dapat memastikan kualitas dan kehandalan ensure the quality and reliability of the information presented in
informasi yang disampaikan dalam laporan ini. Namun, atas this report. However, due to certain management considerations,
pertimbangan tertentu dari manajemen, saat ini Perseroan the Company has not yet conducted a written verification by
belum melakukan verifikasi tertulis dari pihak ketiga yang an independent third party, as it is not a requirement to be “in
independen dikarenakan hal tersebut bukan merupakan accordance” with the Guidelines. Even so, we assure that all
persyaratan agar dapat “sesuai” dengan Pedoman. Namun information disclosed in this report is true, accurate, and factual.
demikian, kami menjamin bahwa seluruh informasi yang
diungkapkan di dalam laporan ini adalah benar, akurat,
dan faktual.
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Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Lembar Umpan Balik [OJK G.2]
Feedback Form
Terima kasih kepada Bapak/Ibu/Saudara yang telah berkenan Thank you to our esteemed readers for taking the time to read
membaca Laporan Keberlanjutan 2025 PT Federal Indonesia the 2025 Sustainability Report of PT Federal Indonesia Finance.
Finance. Guna meningkatkan isi Laporan Tahunan Terintegrasi To improve the content of our Integrated Annual Report in the
pada tahun-tahun mendatang, kami berharap Bapak/Ibu/ coming years, we would greatly appreciate your participation in
Saudara bersedia untuk mengisi Lembar Umpan Balik ini completing this Feedback Form by circling one of the provided
dengan melingkari salah satu jawaban dan mengisi titik-titik answers and filling out the form. Kindly return the completed
yang tersedia, kemudian mengirimkannya kepada kami. form to us.
1 Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai kinerja ekonomi, sosial dan lingkungan Perseroan:
This Sustainability Report has provided clear information on the Company's economic, social, and environmental performance:
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
2 Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai pemenuhan tanggung jawab sosial dan lingkungan Perseroan:
This Sustainability Report has provided clear information on the Company's fulfillment of social and environmental responsibilities:
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
3 Materi dan data dalam Laporan Tahunan Keberlanjutan ini mudah dimengerti dan dipahami:
The materials and data in this Sustainability Report are easy to understand and comprehend:
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
4 Materi dan data dalam Laporan Tahunan Keberlanjutan ini sudah cukup lengkap:
The materials and data in this Sustainability Report are sufficiently comprehensive:
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
5 Apakah desain, tata letak, grafis dan foto-foto dalam Laporan Keberlanjutan ini sudah bagus?
Are the design, layout, graphics, and photos in this Sustainability Report appealing?
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
6 Informasi apa yang paling bermanfaat dari Laporan Keberlanjutan ini?
What information in this Sustainability Report do you find most useful?
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
7 Informasi apa yang paling bermanfaat dari Laporan Keberlanjutan ini?
What information in this Sustainability Report do you find most useful?
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
8 Informasi apa yang dinilai masih kurang dari Laporan Keberlanjutan ini dan perlu ditambahkan pada Laporan Keberlanjutan mendatang?
What information do you think is lacking in this Sustainability Report and should be added in the next report?
Setuju Tidak Setuju Tidak tahu
Agree Disagree Not sure
Identifikasi menurut kategori pemangku kepentingan:
Identification according to stakeholder category:
Nasabah dan Klien Investor Regulator (OJK/BI) Komunitas Masyarakat
Customer and Client Investor Regulator (FSA/BI Community
Media Karyawan Lain-lain, mohon disebutkan:….
Media Employee Others, please specify:…
Identitas Pengirim Mohon formulir ini dikirimkan kembali ke :
Sender Identity Please return this form to :
Menara FIF | FIF Tower
Nama Jl. TB. Simatupang, Kav. 15, Cilandak,
Name Jakarta Selatan | South Jakarta 12440, Indonesia
Telp | Phone : +6221-769 8899
Faks. | Fax : +6221-759 055 99
Surel
Email : corpsecretary@fifgroup.astra.co.id
Email Website : www.fifgroup.co.id
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Tanggapan terhadap Umpan Balik Laporan
Keberlanjutan Tahun Sebelumnya [OJK G.3]
Response to Feedback on the Previous Year’s Sustainability Report
Selama tahun 2025, Perseroan tidak menerima tanggapan Throughout 2025, the Company did not receive specific
spesifik terkait Laporan Keberlanjutan Tahun 2024 untuk feedback regarding the 2024 Sustainability Report for
perbaikan laporan tahun berikutnya. Namun demikian, improvements in the following year’s report. Nevertheless, the
Perseroan telah berupaya melakukan berbagai penyempurnaan Company has made various enhancements and refinements
dan perbaikan agar laporan ini memenuhi ketentuan POJK to ensure this report complies with the provisions of POJK No.
No.51/POJK.03/2017 dan No.16/SEOJK.04/2021 yang menjadi 51/POJK.03/2017 and No. 16/SEOJK.04/2021, which serve as
rujukan penulisan laporan ini. Kami berharap laporan ini the reference for preparing this report. We hope this report
dapat menjadi sumber informasi yang berguna bagi para can be a valuable source of information for all stakeholders.
pemangku kepentingan.
Daftar Pengungkapan Sesuai POJK
Nomor 51/POJK.03/2017 [OJK G.4]
List of Disclosures According to POJK No. 51/Pojk.03/2017
Nama Indeks Halaman
No.
Index Name Page
A. Strategi Keberlanjutan
Sustainability Strategy
A.1. Penjelasan Strategi Keberlanjutan
38
Explanation of Sustainability Strategy
B. Ikhtisar Kinerja Aspek Keberlanjutan
Performance Highlights of Sustainability Aspects
B.1. Aspek Ekonomi
6
Economic Aspect
B.2. Aspek Lingkungan Hidup
7
Environmental Aspect
B.3. Aspek Sosial
9
Social Aspect
C. Profil Perusahaan
Company Profile
C.1. Visi, Misi, dan Nilai Keberlanjutan
56
Vision, Mission and Sustainability Values
C.2. Alamat Perusahaan
55
Company Address
C.3. Skala Usaha
58, 59
Business Scale
C.4. Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
53
Products, Services and Business Activities Carried Out
C.5. Keanggotaan pada Asosiasi
59
Association Membership
C.6. Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan
55
Significant Changes of Issuer and Public Company
D. Penjelasan Direksi
Explanation from the Board of Directors
D.1. Penjelasan Direksi
29
Explanation from the Board of Directors
E. Tata Kelola Keberlanjutan
Sustainability Governance
E.1. Penanggung Jawab Penerapan Keuangan Berkelanjutan
64
Party in Charge of Sustainable Finance Implementation
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Nama Indeks Halaman
No.
Index Name Page
E.2. Pengembangan Kompetensi Terkait Keuangan Berkelanjutan 95
Competency Development Related to Sustainable Finance
E.3. Penilaian Risiko Atas Penerapan Keuangan Berkelanjutan Risk 65
Risk Assessment on Sustainable Finance Implementation
E.4. Hubungan Dengan Pemangku Kepentingan 72
Relationship with Stakeholders
E.5. Permasalahan Terhadap Penerapan Keuangan Berkelanjutan 76
Problems on Sustainable Finance Implementation
F. Kinerja Keberlanjutan
Sustainability Performance
F.1. Kegiatan Membangun Budaya Keberlanjutan 57
Activity in Building Sustainability Culture
Kinerja Ekonomi
Economy Performance
F.2. Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan 81
dan Laba Rugi
Comparison of Target and Production Performance, Portfolio, Financing Target, or Investment, Income
and Profit or Loss
F.3. Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen 82
Keuangan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
Comparison of Target and Portfolio Performance, Financing Target, or Investment in Financial
Instruments or Projects in Line with the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspect
F.4. Biaya Lingkungan Hidup 144
Environmental Cost
Aspek Material
Material Aspect
F.5. Penggunaan Material yang Ramah Lingkungan 143
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
F.6. Jumlah dan Intensitas Energi yang Digunakan 145
Amount and Intensity of Energy Used
F.7. Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 144
Efforts and Achievements of Energy Efficiency by Using Renewable Energy
Aspek Air
Water Aspect
F.8. Penggunaan Air 148
Use of Water
Aspek Keanekaragaman Hayati
Biodiversity Aspect
F.9. Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki 150
Keanekaragaman Hayati
Impact of Operational Areas that are Near or in a Conservation Area or Have Biodiversity
F.10. Usaha Konservasi Keanekaragaman Hayati 150
Efforts to Conserve Biodiversity
Aspek Emisi
Emission Aspect
F.11. Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 146
Amount and Intensity of Emissions Produced Based on Types
F.12. Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 144
Efforts and Achievement of Emission Reductions Carried Out
Aspek Limbah dan Efluen
Waste and Effluent Aspect
F.13. Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis 150
Amount of Waste and Effluent Produced Based on Types
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No.
Index Name Page
F.14. Mekanisme Pengelolaan Limbah dan Efluen 150
Mechanism of Waste and Effluent Management
F.15. Tumpahan yang terjadi 150
Spills Occurred
Aspek Pengaduan Terkait Lingkungan Hidup
Complaints Related to the Environment Aspect
F.16. Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 103
Number and Subject of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
F.17. Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen 102
Commitment to Providing Equal Services for Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspect
F.18. Kesetaraan Kesempatan Bekerja 91
Equal Employment Opportunity
F.19. Tenaga Kerja Anak dan Tenaga Kerja Paksa 91
Child Labor and Forced Labor
F.20. Upah Minimum Regional 92
Regional Minimum Wage
F.21. Lingkungan Bekerja yang Layak dan Aman 94
Decent and Safe Working Environment
F.22. Pelatihan dan Pengembangan Kemampuan Pegawai 95
Training and Development of Employees’ Capabilities
Aspek Masyarakat
Community Aspect
F.23. Dampak Operasi Terhadap Masyarakat Sekitar 105
Impact of Operations on the Surrounding Community
F.24. Pengaduan Masyarakat 103
Community Complaint
F.25. Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 105
Corporate Social Responsibility (CSR) Activities
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
Corporate Social Responsibility (CSR) Activities
F.26. Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 101
Corporate Social Responsibility (CSR) Activities
F.27. Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan 102
Products/Services That Have Been Evaluated for Safety for Customers
F.28. Dampak Produk/Jasa 99
Impact of Product/Service
F.29. Jumlah Produk yang Ditarik Kembali 102
Number of Products Recalled
F.30. Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 103
Customer Satisfaction Survey of the Sustainable Finance Products and/or Services
G. Lain-lain
Others
G.1. Verifikasi Tertulis dari Pihak Independen ( jika ada) 151
Written Verification by an Independent Party (If any)
G.2. Lembar Umpan Balik 152
Feedback Form
G.3. Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 153
Response to Feedback on the Previous Year's Sustainability Report
G.4. Daftar Pengungkapan POJK Nomor 51/POJK.03/2017 153
List of Disclosures According to POJK No. 51/POJK.03/2017
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Indeks Sustainability Accounting Standard
Board (SASB) – Sektor Keuangan
Sustainability Accounting Standard Board (SASB) – Financial Sector
Kode Pengungkapan Halaman
Code Disclosure Page
Privasi Pelanggan
Customer Privacy
FN-CF-220a.1 Jumlah pemegang rekening yang informasinya digunakan untuk tujuan sekunder 100
Number of account holders whose information is used for secondary purposes
FN-CF-220a.2 Jumlah total kerugian moneter sebagai akibat dari proses hukum yang terkait dengan privasi nasabah 100
Total amount of monetary losses as a result of legal proceedings associated with customer privacy
Keamanan Data
Data Security
FN-CF-230a.1 (1) Jumlah pelanggaran data, (2) persentase pelanggaran data pribadi, (3) jumlah pemegang rekening 100
yang terkena dampak
(1) Number of data breaches, (2) percentage that are personal data breaches, (3) number of account
holders affected
FN-CF-230a.2 Kerugian penipuan terkait kartu dari (1) penipuan yang tidak menggunakan kartu dan (2) penipuan yang N/A
menggunakan kartu dan penipuan lainnya
Card-related fraud losses from (1) cardnot-present fraud and (2) card-present and other fraud
FN-CF-230a.3 Deskripsi pendekatan untuk mengidentifikasi dan menangani risiko keamanan data N/A
Description of approach to identifying and addressing data security risks
Praktik Penjualan
Selling Practices
FN-CF-270a.1 Persentase total remunerasi untuk karyawan yang tercakup yang bersifat variabel dan terkait dengan 91
jumlah produk dan jasa yang terjual
Percentage of total remuneration for covered employees that is variable and linked to the amount of
products and services sold
FN-CF-270a.2 Tingkat persetujuan untuk (1) produk kredit dan (2) produk prabayar untuk pemohon N/A
Approval rate for (1) credit and (2) prepaid products for applicants
FN-CF-270a.3 (1) Rata-rata biaya dari produk tambahan, (2) rata-rata APR produk kredit, (3) rata-rata usia produk kredit, N/A
(4) rata-rata jumlah rekening kredit, dan (5) rata-rata biaya tahunan untuk produk prabayar
(1) Average fees from add-on products, (2) average APR of credit products, (3) average age of credit
products, (4) average number of credit accounts, and (5) average annual fees for pre-paid products
FN-CF-270a.4 (1) Jumlah pengaduan nasabah yang diajukan, (2) persentase yang mendapatkan penyelesaian secara 104
moneter atau nonmoneter
(1) Number of customer complaints filed, (2) percentage with monetary or nonmonetary relief
FN-CF-270a.5 Jumlah total kerugian moneter sebagai akibat dari proses hukum yang terkait dengan penjualan dan 104
pelayanan produk
Total amount of monetary losses as a result of legal proceedings associated with selling and servicing of
products
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Indeks Konten GRI
GRI Content Index
Pernyataan Penggunaan PT Federal International Finance telah melaporkan informasi yang dikutip pada indeks konten GRI untuk
Statement of Use periode 1 Januari hingga 31 Desember 2025 dengan merujuk kepada Standar GRI.
PT Federal International Finance has reported the information cited in this GRI content index for the period
January 1 to December 31, 2025 with reference to the GRI Standards.
GRI 1 Digunakan GRI 1: Landasan 2021
GRI 1 Used GRI 1: Foundation 2021
Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
Pengungkapan Umum | General Disclosures
GRI 2: Pengungkapan Detail Organisasi
2-1 52
Umum 2021 Organizational details
GRI 2: General Entitas Yang Disertakan
2-2 29
Disclosures 2021 Entities Included in The Organization’s Sustainability Reporting
Periode Pelaporan, Frekuensi, dan Kontak
2-3 45
Reporting Period, Frequency, and Contact Point
Pengungkapan Kembali Informasi
2-4 45
Restatements of Information
Jaminan (Assurance) Eksternal
2-5 45
External Assurance
Aktivitas, Rantai Nilai, dan Hubungan Bisnis Lainnya
2-6 53
Activities, Value Chain, and Other Business Relationships
Karyawan
2-7 88
Employees
Pekerja Bukan Karyawan
2-8 88
Workers Who Are Not Employees
Struktur dan Komposisi Tata Kelola
2-9 64
Governance Structure and Composition
Nominasi dan Seleksi Badan Tata Kelola Tertinggi
2-10 63
Nomination and Selection of The Highest Governance Body
Kepala Badan Tata kelola Tertinggi
2-11 63
Chair of The Highest Governance Body
Peran Badan Kelola Tertinggi dalam Mengawasi Dampak Manajemen
2-12 64
Role of The Highest Governance Body in Overseeing The Management of Impacts
Delegasi Tanggung Jawab untuk Pengelolaan Dampak
2-13 64
Delegation of Responsibility for Managing Impacts
Peran Badan Tata Kelola Tertinggi dalam Pelaporan Keberlanjutan
2-14 46
Role of The Highest Governance Body in Sustainability Reporting
Konflik Kepentingan
2-15 63
Conflicts of Interes
Penyampaian Kekhawatiran yang Penting
2-16 63
Communication of Critical Concerns
Pengetahuan Kolektif Badan Tata Kelola Tertinggi
2-17 N/A
Collective Knowledge of The Highest Governance Body
Evaluasi Kinerja Badan Tata Kelola Tertinggi
2-18 64
Evaluation of The Performance of The Highest Governance Body
Kebijakan remunerasi
2-19 63
Remuneration Policies
Proses Penetapan Remunerasi
2-20 63
Process to Determine Remuneration
Rasio Total Kompensasi Tahunan
2-21 63
Annual Total Compensation Ratio
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Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
GRI 2: Pengungkapan Pernyataan Strategi Pengembangan Keberlanjutan
2-22 29,39
Umum 2021 Statement on Sustainable Development Strategy
GRI 2: General Komitmen Kebijakan
2-23 39
Disclosures 2021 Policy Commitments
Penanaman Komitmen Kebijakan
2-24 39
Embedding Policy Commitments
Proses Pemulihan Dampak Negatif
2-25 103, 104,
Processes to Remediate Negative Impacts 121
Mekanisme Pencarian Saran dan Penyampaian Kekhawatiran
2-26 74, 85
Mechanisms for Seeking Advice and Raising Concerns
Kepatuhan pada Hukum dan Regulasi
2-27 63, 102
Compliance with Laws and Regulations
Keanggotaan dalam Asosiasi
2-28 59
Membership Associations
Pelibatan Pemangku Kepentingan
2-29 76
Approach to Stakeholder Engagemen
Perjanjian Perundingan Bersama
2-30 91
Collective Bargaining Agreements
Topik Material | Material Topics
GRI 3: Topik Material Proses Penentuan Topik Material
3-1 46
2021 Process to Determine Material Topics
GRI 3: Material Topics Daftar Topik Material
3-2 46
2021 List of Material Topics
Pengelolaan Topik Material
3-3 73, 91,
Management of Material Topics 94, 95,
99, 144,
148, 149
Standar Topik Spesifik | Specific Topics Standards
GRI 201: Kinerja Nilai Ekonomi Langsung yang Dihasilkan dan Didistribusikan
201-1 81
Ekonomi 2016 Direct Economic Value Generated and Distributed
GRI 201: Economic Implikasi Finansial Akibat Perubahan Iklim
201-2 85
Performance 2016 Financial Implications due to Climate Change
Kewajiban program pensiun manfaat pasti dan program pension lainnya
201-3 93
Defined Benefit Plan Obligations and Other Retirement Plans
GRI 202: Keberadaan Rasio standar upah karyawan pemula berdasarkan jenis kelamin terhadap upah minimum
202-1 63
Pasar 2016 regional
GRI 202: Market Ratios of Standard Entry Level Wage by Gender Compared to Local Minimum Wage
Presence 2016 Proporsi Manajemen Senior yang Berasal dari Masyarakat
202-2 89
Proportion of Senior Management Hired from The Local Community
GRI 203: Dampak Investasi infrastruktur dan dukungan layanan
203-1 107
Ekonomi Tidak Infrastructure Investments and Services Supported
Langsung 2016 Dampak ekonomi tidak langsung yang signifikan
203-2 116, 120
GRI 203: Indirect Significant Indirect Economic Impacts
Economic Impacts
2016
GRI 205: Antikorupsi Penilaian terhadap Kegiatan yang Berisiko terjadi Korupsi
205-1 N/A
2016 Operations Assessed for Risks Related to Corruption
GRI 205: Komunikasi dan Pelatihan tentang Kebijakan dan Prosedur Antikorupsi
205-2 74
Anticorruption Communication and Training about Anti-Corruption Policies and Procedures
2016
GRI 206: Perilaku Anti Langkah-langkah Hukum untuk Perilaku Anti Persaingan, Praktik Antipakat dan Monopoli
206-1 91
persaingan 2016 Legal Actions for Anti-Competitive Behavior, Anti-Trust, and Monopoly Practices
GRI 206:
Anticompetitive
Behavior 2016
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Page 159
Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
GRI 207: Pajak 2019 Pendekatan terhadap Pajak
207-1 85
GRI 207: Tax 2019 Approach to Tax
Tata Kelola, Pengontrolan, dan Manajemen Risiko Pajak
207-2 85
Tax Governance, Control, and Risk Management
Keterlibatan Pemangku Kepentingan dan Pengelolaan Kepedulian yang Berkaitan dengan
207-3 85
Pajak
Stakeholder Engagement and Management of Concerns Related to Tax
GRI 302: Energi 2016 Konsumsi Energi dalam Organisasi
302-1 145
GRI 302: Energy 2016 Energy Consumption in The Organization
Intensitas Energi
302-3 146
Energy Intensity
Pengurangan Konsumsi Energi
302-4 147
Reduction of Energy Consumption
GRI 303: Air dan Interaksi dengan Air sebagai Sumber Daya Bersama
303-1 148
Efluen 2018 Interactions with Water as A Shared Resource
GRI 303: Water and Pengelolaan Dampak terkait Pembuangan Air
303-2 148
Effluents 2018 Management of Impacts Related to Water Discharge
Pengambilan Air
303-3 148
Water Withdrawal
GRI 304: Lahan Operasi Berdekatan dengan Kawasan Lindung dan Memiliki Nilai Keanekaragaman
304-1 147
Keanekaragaman Hayati Tinggi
Hayati 2016 Operation Sites Adjacent to Protected Areas and areas of High Biodiversity Value
GRI 302: Biodiversity Dampak signifikan aktivitas, produk, dan jasa terhadap keanekaragaman hayati
304-2 147
2016 Significant Impacts of Activities, Products and Services on Biodiversity
Habitat yang Dilindungi atau Direstorasi
304-3 147
Habitats Protected or Restored
Spesies Daftar Merah IUCN dan Spesies Daftar Konservasi Nasional dengan Habitat dalam
304-4 147
Wilayah yang Terkena Efek Operasi
IUCN Red List Species and National Conservation List Species with Habitats In Areas
Affected by Operations
GRI 305: Emisi 2016 Emisi GRK (Cakupan 1) Langsung
305-1 146
GRI 305: Emission Direct (Scope 1) GHG Emissions
2016 Emisi Energi GRK (Cakupan 2) Tidak Langsung
305-2 146
Energy Indirect (Scope 2) GHG Emissions
Emisi GRK (Cakupan 3) tidak langsung lainnya
305-3 146
Other Indirect (Scope 3) GHG Emissions
Intensitas Emisi GRK
305-4 147
GHG Emissions Intensity
Pengurangan emisi GRK
305-5 147
Reduction of GHG emissions
GRI 306: Limbah Timbulan limbah dan dampak signifikan terkait limbah
306-1 149
2020 Waste Generation and Significant Waste-Related Impacts
GRI 306: Waste 2020 Manajemen Dampak Signifikan Terkait Limbah
306-2 149
Management of Significant Waste Related Impacts
Timbulan limbah
306-3 150
Waste Generated
Limbah yang Dialihkan dari Pembuangan Akhir
306-4 150
Waste Diverted from Disposal
Limbah yang Dikirimkan ke Pembuangan Akhir
306-5 147
Waste Directed to Disposal
GRI 308: Penilaian Seleksi pemasok baru dengan menggunakan kriteria lingkungan
308-1 87
Lingkungan Pemasok New Suppliers That Were Screened Using Environmental Criteria
2016 Dampak Lingkungan Negatif dalam Rantai Pasokan dan Tindakan yang Telah Diambil
308-2 87
GRI 308: Supplier Negative Environmental Impacts in The Supply Chain and Actions Taken
Environmental
Assessment 2016
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Page 160
Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan Tentang Kami
Sustainability Highlights Message from The President Director Sustainability Strategy About Us
Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
GRI 401: Perekrutan Karyawan Baru dan Pergantian Karyawan
401-1 88, 90
Kepegawaian 2016 New Employee Hires and Employee Turnover
GRI 401: Employment Tunjangan yang Diberikan kepada Karyawan Purnawaktu yang Tidak Diberikan kepada
401-2 92
2016 Karyawan pada Kurun Waktu Tertentu atau Paruh Waktu
Benefits Provided to Full-Time Employees That Are Not Provided to Temporary or Part-Time
Employee
Cuti Melahirkan
401-3 93
Parental Leave
GRI 403: Kesehatan Sistem Manajemen Kesehatan dan Keselamatan Kerja
403-1 95
dan Keselamatan Occupational Health and Safety Management System
Kerja 2018 Pengidentifikasian bahaya, penilaian risiko, dan investigasi insiden
403-2 N/A
GRI 403: Hazard Identification, Risk Assessment, and Incident Investigation
Occupational Health Layanan Kesehatan Kerja
403-3 N/A
and Safety 2018 Occupational Health Services
Partisipasi, Konsultasi, dan Komunikasi Pekerja Tentang Kesehatan dan Keselamatan Kerja
403-4 N/A
Worker Participation, Consultation, and Communication on Occupational Health and Safety
Pelatihan Pekerja mengenai Kesehatan dan Keselamatan
403-5 40
Worker Training on Occupational Health and Safety
Peningkatan Kualitas Kesehatan Pekerja
403-6 94
Promotion of Worker Health
Pencegahan dan Mitigasi Dampak-dampak Kesehatan dan
403-7 N/A
Keselamatan Kerja yang Secara Langsung Terkait Hubungan Bisnis
Prevention and Mitigation of Occupational Health and Safety
Impacts Directly Linked by Business Relationships
Pekerja yang tercakup dalam sistem manajemen kesehatan dan keselamatan kerja
403-8 N/A
Workers Covered by An Occupational Health and Safety Management System
Kecelakaan Kerja
403-9 95
Work-Related Injuries
Penyakit Akibat Kerja
403-10 95
Work-Related Ill Health
GRI 404: Pelatihan Rata-rata Jam Pelatihan per Tahun per Karyawan
404-1 97
dan Pendidikan 2016 Average Hours of Training per Year per Employee
GRI 404: Training and Program untuk Meningkatkan Keterampilan Karyawan dan Program Bantuan Peralihan
404-2 93
Education 2016 Programs for Upgrading Employee Skills and Transition Assistance Programs
Persentase Karyawan yang Menerima Tinjauan Rutin terhadap Kinerja dan Pengembangan
404-3 97
Karir
Percentage of Employees Receiving Regular Performance and Career Development
Reviews
GRI 405: Keanekaragaman Badan Tata Kelola dan Karyawan
405-1 63
Keanekaragaman dan Diversity of Governance Bodies and Employee
Peluang Setara 2016
GRI 405: Diversity
and Equal
Opportunity 2016
GRI 406: Insiden Diskriminasi dan Tindakan Perbaikan yang Dilakukan
406-1 91
Nondiskriminasi 2016 Incidents of Discrimination and Corrective Actions Taken
GRI 406:
Nondiscrimination
2016
GRI 407: Kebebasan Operasi dan Pemasok di Mana Hak atas Kebebasan Berserikat dan Perundingan Kolektif
407-1 91
Berserikat dan Mungkin Berisiko
Perundingan Kolektif Operations and Suppliers in Which the Right to Freedom of Association and Collective
2016 Bargaining May Be at Risk
GRI 407: Freedom
of Association and
Collective Bargaining
2016
160 LAPORAN KEBERLANJUTAN | SUSTAINABILITY REPORT 2025
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Page 161
Tata Kelola Keberlanjutan Kinerja Keberlanjutan
Sustainability Governance Sustainability Performance
Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
GRI 408: Pekerja Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden Pekerja Anak
408-1 87, 91
Anak 2016 Operations and Suppliers at Significant Risk for Incidents of Child Labor
GRI 408: Child Labor
2016
GRI 409: Kerja Paksa Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden Kerja Paksa atau Wajib
409-1 87, 91
atau Wajib Kerja 2016 Kerja
GRI 409: Forced or Operations and Suppliers at Significant Risk for Incidents of Forced or Compulsory Labor
Compulsory Labor
2016
GRI 410: Praktik Petugas keamanan yang dilatih mengenai kebijakan atau prosedur hak asasi manusia
410-1 91
Keamanan 2016 Security Personnel Trained in Human Rights Policies or Procedures
GRI 410: Security
Practices 2016
GRI 413: Masyarakat Operasi dengan Pelibatan Masyarakat Sekitar, Penilaian Dampak, dan Program
413-1 105
Lokal 2016 Pengembangan
GRI 413: Local Operations with Local Community Engagement, Impact Assessments, and Development
Communities 2016 Programs
GRI 308: Penilaian Seleksi Pemasok Baru dengan Menggunakan Kriteria Sosial
414-1 87
Lingkungan Pemasok New Suppliers That Were Screened Using Social Criteria
2016 Dampak Sosial Negatif dalam Rantai Pasokan dan Tindakan yang Telah Diambil
414-2 87
GRI 308: Supplier Negative Social Impacts in The Supply Chain and Actions Taken
Environmental
Assessment 2016
GRI 416: Kesehatan Penilaian Dampak Kesehatan dan Keselamatan dari Berbagai Kategori Produk dan Jasa
416-1 102
dan Keselamatan Assessment of The Health and Safety Impacts of Product and Service Categorie
Pelanggan 2016 Insiden Ketidakpatuhan Sehubungan dengan Dampak Kesehatan dan Keselamatan dari
416-2 102
GRI 416: Customer Produk dan Jasa
Health and Safety Incidents of Non-Compliance Concerning The Health and Safety Impacts of Products and
2016 Services
GRI 417: Pemasaran Persyaratan Untuk Informasi dan Labeling Produk dan Layanan
417-1 102
dan Pelabelan 2016 Requirements For Product And Service Information and Labeling
GRI 417: Marketing Insiden Ketidakpatuhan Terkait Informasi dan Labeling Produk dan Layanan
417-2 102
and Labeling 2016 Incidents Of Non-Compliance Concerning Product and Service Information and Labeling
Insiden Ketidakpatuhan Terkait Komunikasi Pemasaran
417-3 102
Incidents of Non-Compliance Concerning Marketing Communications
GRI 418: Privasi Pengaduan yang Berdasar mengenai Pelanggaran terhadap Privasi Pelanggan dan
418-1 100
Pelanggan 2016 Hilangnya Data Pelanggan
GRI 418: Customer Substantiated Complaints Concerning Breaches of Customer Privacy and Losses of
Privacy 2016 Customer Data
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PT Astra
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Pemerintah Kota FIFGROUP Surabaya Branch
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org
Chinese Banking Corporation Limited
p.40
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PT Federal International
p.45
unresolved
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PT Mitrapusaka Artha Finance
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Akta Notaris Rukmasanti Hardjasatya
p.54
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Menteri Pemegang Saham
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Notary Rukmasanti Hardjasatya
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PT Arya
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Minister of Justice No. C
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Banking Corporation Limited
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