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Nomor Surat 054/MM-CORSEC/VII/23
Nama Emiten PT Mandala Multifinance Tbk.
Kode Emiten MFIN
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit
Perseroan dengan ini menyampaikan laporan keuangan untuk periode 6 Bulan yang berakhir pada 30/06/2023 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
Dokumen ini merupakan dokumen resmi PT Mandala Multifinance Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
PT Mandala Multifinance Tbk. bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
30 June 2023
Nama entitas PT Mandala Multifinance Tbk. Entity name
Penjelasan perubahan nama dari akhir Explanation of change in name from
periode laporan sebelumnya the end of the preceding reporting
period
Kode entitas MFIN Entity code
Nomor identifikasi entitas AA460 Entity identification number
Industri utama entitas Keuangan dan Syariah / Entity main industry
Financial and Sharia
Standar akutansi yang dipilih PSAK Selected accounting standards
Sektor G. Financials Sector
Subsektor G2. Financing Service Subsector
Industri G21. Consumer Financing Industry
Subindustri G211. Consumer Financing Subindustry
Informasi pemegang saham Controlling shareholder information
Individual WNI
pengendali
Jenis entitas Local Company - Indonesia Type of entity
Jurisdiction
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Type of listed securities
Bond
Jenis papan perdagangan tempat Type of board on which the entity is
Pengembangan / Development
entitas tercatat listed
Apakah merupakan laporan keuangan Whether the financial statements are
satu entitas atau suatu kelompok Entitas tunggal / Single entity of an individual entity or a group of
entitas entities
Periode penyampaian laporan Period of financial statements
Kuartal II / Second Quarter
keuangan submissions
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan June 30, 2023 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2022 Prior year end date
Tanggal awal periode sebelumnya January 01, 2022 Prior period start date
Tanggal akhir periode sebelumnya June 30, 2022 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2021 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan Conversion rate at reporting date if
jika mata uang penyajian selain rupiah 15,026.00000 presentation currency is other than
rupiah
Pembulatan yang digunakan dalam Level of rounding used in financial
penyajian jumlah dalam laporan Jutaan / In Million statements
keuangan
Jenis laporan atas laporan keuangan Tidak Diaudit / Unaudit Type of report on financial statements
Jenis opini auditor Type of auditor's opinion
Hal yang diungkapkan dalam paragraf Matters disclosed in
pendapat untuk penekanan atas suatu emphasis-of-matter or other-matter
masalah atau paragraf penjelasan paragraph, if any
lainnya, jika ada
Hasil penugasan review Result of review engagement
Opini Hal Audit Utama Any Key Audit Matters Opinion
Jumlah Hal Audit Utama Total Key Audit Matters
Paragraf Hal Audit Utama Key Audit Matters Paragraph
Tanggal laporan audit atau hasil Date of auditor's opinion or result of
laporan review review report
Auditor tahun berjalan Current year auditor
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Nama partner audit tahun berjalan Name of current year audit signing
partner
Lama tahun penugasan partner yang Number of years served as audit
menandatangani signing partner
Auditor tahun sebelumnya Prior year auditor
Nama partner audit tahun sebelumnya Name of prior year audit signing
partner
Kepatuhan terhadap pemenuhan Whether in compliance with OJK rules
peraturan OJK Nomor: No. 75/POJK.04/2017 concerning
Ya / Yes
75/POJK.04/2017 tentang Tanggung responsibilities of board of directors on
Jawab Direksi Atas Laporan Keuangan financial statements
Kepatuhan terhadap pemenuhan Compliance to the independency of
independensi akuntan yang Accountant that provide services in
memberikan jasa audit di pasar modal Capital Market as regulated in OJK
sesuai dengan POJK Nomor Ya / Yes rules No. 13/POJK.03/2017
13/POJK.03/2017 tentang concerning The Use of Public
Penggunaan Jasa Akuntan Publik Accountant and Auditing Firm in
dalam Kegiatan Jasa Keuangan Financial Services Activities.
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[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
30 June 2023 31 December 2022
Aset Assets
Kas 65,803 53,280 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
1,527,539 1,358,648
ketiga other banks third parties
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak Derivative receivables
0 2,041
ketiga third parties
Piutang murabahah Murabahah receivables
Piutang murabahah pihak Murabahah receivables
2,193,575 2,010,446
ketiga third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 109,915 ) ( 95,606 ) losses for murabahah
piutang murabahah receivables
Piutang pembiayaan Consumer financing
konsumen receivables
Piutang pembiayaan Consumer financing
3,006,751 2,995,555
konsumen pihak ketiga receivables third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for consumer
( 168,738 ) ( 167,736 )
piutang pembiayaan financing receivables
konsumen
Piutang lainnya Other receivables
Piutang lainnya pihak Other receivables third
65,672 48,113
ketiga parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 11,864 ) ( 9,760 ) losses for other
piutang lainnya receivables
Uang muka 20,343 29,124 Advances
Biaya dibayar dimuka 21,418 13,641 Prepaid expenses
Aset pajak tangguhan 35,396 35,008 Deferred tax assets
Aset takberwujud selain Intangible assets other than
35,975 19,919
goodwill goodwill
Aset tetap Property, plant, and
198,887 175,704
equipment
Agunan yang diambil alih 0 0 Foreclosed assets
Jumlah aset 7,256,625 6,568,387 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak Derivative payables
19,500 3,371
ketiga third parties
Utang usaha 7,839 7,100 Accounts payable
Utang dealer 57,574 43,039 Dealer payables
Pinjaman yang diterima Borrowings
Pinjaman yang Borrowings third
2,108,912 1,872,260
diterima pihak ketiga parties
Efek yang diterbitkan Securities issued
Sukuk 1,145,319 647,037 Sukuk
Page 5
Beban akrual 65,516 57,249 Accrued expenses
Utang pajak 4,903 79,399 Taxes payable
Liabilitas lainnya 70,161 58,011 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
50,901 51,976
kerja obligations
Jumlah liabilitas 4,044,135 3,332,443 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 132,500 132,500 Common stocks
Tambahan modal Additional paid-in
27,329 27,329
disetor capital
Cadangan pengukuran Reserve of
kembali program ( 82,657 ) ( 82,657 ) remeasurements of
imbalan pasti defined benefit plans
Saldo laba Retained earnings
(akumulasi kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan General and
26,500 26,500
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 3,108,818 3,132,272 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,212,490 3,235,944
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,212,490 3,235,944 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 7,256,625 6,568,387 syirkah funds and equity
ekuitas
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[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
30 June 2023 30 June 2022
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 29,318 6,219 Interest income
Beban bunga ( 158,880 ) ( 118,475 ) Interest expenses
Pendapatan dari Financing income
pembiayaan
Pendapatan dari Revenue from consumer
1,042,786 1,023,316
pembiayaan konsumen financing
Pendapatan operasional Other operating income
lainnya
Keuntungan (kerugian) Realised gains (losses)
yang telah direalisasi atas ( 6,034 ) from derivative
instrumen derivatif instruments
Penerimaan kembali aset Revenue from recovery of
yang telah 13,832 13,023 written-off assets
dihapusbukukan
Keuntungan (kerugian) Gains (losses) on changes
selisih kurs mata uang ( 8,593 ) 3 in foreign exchange rates
asing
Keuntungan (kerugian) Gains (losses) on disposal
1,442 776
pelepasan aset tetap of property and equipment
Keuntungan (kerugian) Gains (losses) on disposal
pelepasan agunan yang ( 35,162 ) ( 29,385 ) of foreclosed assets
diambil alih
Pendapatan operasional Other operating income
8,190 8,757
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 168,828 ) ( 123,202 ) losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 402,271 ) ( 364,606 )
administrasi administrative expenses
Beban sewa, Rent, maintenance and
pemeliharaan, dan ( 6,076 ) ( 6,776 ) improvement expenses
perbaikan
Beban operasional Other operating
( 7,617 ) ( 7,240 )
lainnya expenses
Jumlah laba operasional 302,107 402,410 Total profit from operation
Jumlah laba (rugi) sebelum Total profit (loss) before tax
302,107 402,410
pajak penghasilan
Pendapatan (beban) pajak ( 60,561 ) ( 87,558 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
241,546 314,852
yang dilanjutkan continuing operations
Jumlah laba (rugi) 241,546 314,852 Total profit (loss)
Jumlah laba rugi komprehensif 241,546 314,852 Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
241,546 314,852
diatribusikan ke entitas induk parent entity
Page 7
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan attributable to
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan ke entitas 241,546 314,852 attributable to parent entity
induk
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar Basic earnings per share
diatribusikan kepada attributable to equity
pemilik entitas induk owners of the parent entity
Laba (rugi) per saham Basic earnings (loss) per
dasar dari operasi yang 91 119 share from continuing
dilanjutkan operations
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year
30 June 2023
Laporan perubahan ekuitas Statement of changes in equity
Saldo laba yang telah
Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
Tambahan modal ditentukan
Saham biasa kembali program ditentukan diatribusikan kepada Ekuitas
disetor penggunaannya-cadangan
imbalan pasti penggunaannya entitas induk
umum dan wajib
Reserve of Appropriated retained
Additional paid-in Unappropriated retained Equity attributable to
Common stocks remeasurements of earnings-general and legal Equity
capital earnings parent entity
defined benefit plans reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 132,500 27,329 ( 82,657 ) 26,500 3,132,272 3,235,944 3,235,944 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 132,500 27,329 ( 82,657 ) 26,500 3,132,272 3,235,944 3,235,944 Equity position, beginning of the period
Laba (rugi) 241,546 241,546 241,546 Profit (loss)
Distribusi dividen kas ( 265,000 ) ( 265,000 ) ( 265,000 ) Distributions of cash dividends
Posisi ekuitas, akhir periode 132,500 27,329 ( 82,657 ) 26,500 3,108,818 3,212,490 3,212,490 Equity position, end of the period
Page 9
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
30 June 2022
Laporan perubahan ekuitas Statement of changes in equity
Saldo laba yang telah
Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
Tambahan modal ditentukan
Saham biasa kembali program ditentukan diatribusikan kepada Ekuitas
disetor penggunaannya-cadangan
imbalan pasti penggunaannya entitas induk
umum dan wajib
Reserve of Appropriated retained
Additional paid-in Unappropriated retained Equity attributable to
Common stocks remeasurements of earnings-general and legal Equity
capital earnings parent entity
defined benefit plans reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 132,500 27,329 ( 90,588 ) 26,500 2,667,208 2,762,949 2,762,949 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 132,500 27,329 ( 90,588 ) 26,500 2,667,208 2,762,949 2,762,949 Equity position, beginning of the period
Laba (rugi) 314,852 314,852 314,852 Profit (loss)
Distribusi dividen kas ( 193,450 ) ( 193,450 ) ( 193,450 ) Distributions of cash dividends
Posisi ekuitas, akhir periode 132,500 27,329 ( 90,588 ) 26,500 2,788,610 2,884,351 2,884,351 Equity position, end of the period
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[4510000] Statement of cash flows, direct method - Financial and Sharia
Industry
Laporan arus kas Statement of cash flows
30 June 2023 30 June 2022
Arus kas dari aktivitas operasi Cash flows from operating
activities
Arus kas sebelum Cash flows before changes
perubahan dalam aset dan in operating assets and
liabilitas operasi liabilities
Penerimaan dari Receipts from (payments
(pembayaran kepada) 3,274,615 3,067,589 to) customers
nasabah
Pendapatan dari transaksi Income from other
37,508 13,014
operasional lainnya operating transactions
Penerimaan kembali aset Recoveries of written off
yang telah 13,832 13,023 assets
dihapusbukukan
Pembayaran atas beban Payments of finance costs
keuangan dan beban ( 166,014 ) ( 101,920 ) and bank administration
administrasi bank charges
Pembayaran gaji dan Payments for salaries and
( 250,828 ) ( 221,972 )
tunjangan allowances
Pembayaran pajak Payments for corporate
( 94,200 ) ( 99,103 )
penghasilan badan income tax
Pembayaran beban umum Payments for general and
( 136,259 ) ( 141,025 )
dan administrasi administrative expense
Pembayaran beban Payments for other
( 2,602,719 ) ( 2,668,617 )
operasional lainnya operating expenses
Penerimaan Other cash inflows
(pengeluaran) kas lainnya ( 11,865 ) 0 (outflows) from operating
dari aktivitas operasi activities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
64,070 ( 139,011 )
(digunakan untuk) aktivitas operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap ( 54,386 ) ( 30,250 ) (acquisition) of property and
equipment
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset takberwujud ( 22,413 ) ( 3,338 ) (acquisition) of intangible
selain goodwill assets other than goodwill
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 76,799 ) ( 33,588 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Penerbitan sukuk Issuance of mudharabah
500,000
mudharabah sukuk
Penerimaan pinjaman yang Proceeds from borrowings
866,357 981,432
diterima
Pembayaran pinjaman yang Payments for borrowings
( 616,814 ) ( 437,610 )
diterima
Pembayaran dividen dari Dividends paid from financing
( 265,000 ) ( 193,450 )
aktivitas pendanaan activities
Page 11
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari 484,543 350,372 received from (used in)
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
471,814 177,773
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
1,511,938 627,398
awal periode flows, beginning of the period
Efek perubahan nilai kurs pada Effect of exchange rate changes
( 14,627 ) (3)
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents
1,969,125 805,168
akhir periode cash flows, end of the period
Page 12
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Page 13
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Current Year
30 June 2023
Aset tetap Property, plant, and equipment
Aset tetap, akhir
Aset tetap, awal periode Penambahan aset tetap Pengurangan aset tetap
periode
Property, plant, and
Addition in property, plant, Disposals in property, Property, plant, and
equipment, beginning
and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 59,065 59,065 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
122,441 122,441
dimiliki langsung improvement, directly owned
Perabot dan peralatan Furniture and office
160,105 9,886 ( 930 ) 169,061
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
43,745 16,931 ( 5,052 ) 55,624
langsung owned
Dimiliki langsung 385,356 26,817 ( 5,982 ) 406,191 Directly owned
Bangunan, aset hak guna 47,903 12,421 ( 11,374 ) 48,950 Building, right of use assets
Aset hak guna 47,903 12,421 ( 11,374 ) 48,950 Right of use assets
Bangunan, dalam Building, assets under
5,181 5,181
penyelesaian construction
Aset dalam penyelesaian 0 5,181 5,181 Assets under construction
Aset tetap Property, plant, and
433,259 44,419 ( 17,356 ) 460,322
equipment
Akumulasi depresiasi Bangunan dan fasilitasnya, Building and leasehold Carrying amount,
60,529 2,997 63,526
dimiliki langsung improvement, directly owned accumulated depreciation
Perabot dan peralatan Furniture and office
139,663 4,958 ( 908 ) 143,713
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
30,421 4,342 ( 5,049 ) 29,714
langsung owned
Dimiliki langsung 230,613 12,297 ( 5,957 ) 236,953 Directly owned
Bangunan, aset hak guna 26,942 8,914 ( 11,374 ) 24,482 Building, right of use assets
Aset hak guna 26,942 8,914 ( 11,374 ) 24,482 Right of use assets
Aset tetap Property, plant, and
257,555 21,211 ( 17,331 ) 261,435
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
175,704 198,887
equipment
Page 14
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Prior Year
31 December 2022
Aset tetap Property, plant, and equipment
Aset tetap, akhir
Aset tetap, awal periode Penambahan aset tetap Pengurangan aset tetap
periode
Property, plant, and
Addition in property, plant, Disposals in property, Property, plant, and
equipment, beginning
and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 59,065 59,065 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
122,441 122,441
dimiliki langsung improvement, directly owned
Perabot dan peralatan Furniture and office
148,050 15,593 ( 3,538 ) 160,105
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
38,947 9,328 ( 4,530 ) 43,745
langsung owned
Dimiliki langsung 368,503 24,921 ( 8,068 ) 385,356 Directly owned
Bangunan, aset hak guna 45,050 14,545 ( 11,692 ) 47,903 Building, right of use assets
Aset hak guna 45,050 14,545 ( 11,692 ) 47,903 Right of use assets
Aset dalam penyelesaian 0 Assets under construction
Aset tetap Property, plant, and
413,553 39,466 ( 19,760 ) 433,259
equipment
Akumulasi depresiasi Bangunan dan fasilitasnya, Building and leasehold Carrying amount,
54,597 5,932 60,529
dimiliki langsung improvement, directly owned accumulated depreciation
Perabot dan peralatan Furniture and office
136,539 6,631 ( 3,507 ) 139,663
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
28,263 6,261 ( 4,103 ) 30,421
langsung owned
Dimiliki langsung 219,399 18,824 ( 7,610 ) 230,613 Directly owned
Bangunan, aset hak guna 20,811 17,375 ( 11,244 ) 26,942 Building, right of use assets
Aset hak guna 20,811 17,375 ( 11,244 ) 26,942 Right of use assets
Aset tetap Property, plant, and
240,210 36,199 ( 18,854 ) 257,555
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
173,343 175,704
equipment
Page 15
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 16
[4612200a] Notes to the financial statements - Sharia receivables/financing - by type - Financial and Sharia Industry
30 June 2023
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Total piutang syariah, kotor
Total sharia receivables, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Konsumen 1,953,154 211,252 12,084 17,015 70 2,193,575 Consumer Rupiah
Subtotal Pinjaman Subtotal Loans by
1,953,154 211,252 12,084 17,015 70 2,193,575
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
1,953,154 211,252 12,084 17,015 70 2,193,575
Mata Uang berdasarkan tipe type Currencies
30 June 2023
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total piutang syariah, kotor Total sharia receivables,
1,953,154 211,252 12,084 17,015 70 2,193,575
gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada piutang ( 52,798 ) ( 47,202 ) ( 4,127 ) ( 5,766 ) ( 22 ) ( 109,915 ) losses for murabahah
murabahah receivables
Total piutang syariah, bersih 1,900,356 164,050 7,957 11,249 48 2,083,660 Total sharia receivables, net
31 December 2022
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Total piutang syariah, kotor
Total sharia receivables, gross
Page 17
Current Special mention Substandard Doubtful Loss Total Loans by
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Konsumen 1,839,755 146,640 9,560 14,491 0 2,010,446 Consumer Rupiah
Subtotal Pinjaman Subtotal Loans by
1,839,755 146,640 9,560 14,491 0 2,010,446
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
1,839,755 146,640 9,560 14,491 0 2,010,446
Mata Uang berdasarkan tipe type Currencies
31 December 2022
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total piutang syariah, kotor Total sharia receivables,
1,839,755 146,640 9,560 14,491 0 2,010,446
gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada piutang ( 52,484 ) ( 35,084 ) ( 3,229 ) ( 4,809 ) (0) ( 95,606 ) losses for murabahah
murabahah receivables
Total piutang syariah, bersih 1,787,271 111,556 6,331 9,682 0 1,914,840 Total sharia receivables, net
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[4614210] Disclosure of Notes to the financial statements - Loans Sharia receivables/financing - Financial and Sharia Industry
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