Source file signed link, expires in 15 minutes
Extracted text 84
Page 1
3DJHRI
&+(&./,673(1*81*.$3$1/$325$1.(8$1*$18178.6(/858+
,1'8675,',3$6$502'$/',,1'21(6,$
3HWXQMXN3HQJLVLDQ&KHFNOLVW
6HOXUXK(PLWHQGDQ3HUXVDKDDQ3XEOLNKDUXVPHQJJXQDNDQ&KHFNOLVW3HQJXQJNDSDQ/DSRUDQ.HXDQJDQLQLNHFXDOL(PLWHQGDQ3HUXVDKDDQ3XEOLN
\DQJPHUXSDNDQ3HUXVDKDDQ(IHN6HWLDS3HUXVDKDDQ(IHNKDUXVPHQJJXQDNDQ3HGRPDQ$NXQWDQVL3HUXVDKDDQ(IHN 3HUDWXUDQ1R9,,,*
7DQGD ¥ GLLVLSDGDNRORPÄ$GDʦDSDELOD(PLWHQ3HUXVDKDDQ3XEOLNWHODKPHPHQXKLSHUV\DUDWDQSHQJXQJNDSDQ\DQJGLKDUXVNDQGDQVHODQMXWQ\D
SDGDNRORPÄ.HWHUDQJDQʦGLWDPEDKNDQFURVVUHIHUHQFHNHQRPRUFDWDWDQDWDVODSRUDQNHXDQJDQ
$SDELOD (PLWHQ3HUXVDKDDQ 3XEOLN WLGDN PHPHQXKL SHUV\DUDWDQ SHQJXQJNDSDQ \DQJ GLKDUXVNDQ PDND WDQGD ¥ GLLVL SDGD NRORP Ä7LGDN $GDʦ
GHQJDQPHQDPEDKNDQNHWHUDQJDQDODVDQQ\DSDGDNRORPNHWHUDQJDQ
$SDELOD (PLWHQ3HUXVDKDDQ 3XEOLN WLGDN PHPLOLNL SRVSRV WHUWHQWX VHKLQJJD WLGDN ZDMLE PHPHQXKL SHUV\DUDWDQ SHQJXQJNDSDQ \DQJ DGD PDND
WDQGD ¥ GLLVLSDGDNRORPÄ1$ʦ
&KHFNOLVWLQLZDMLEGLWDQGDWDQJDQLROHK'LUHNWXU\DQJPHPEDZDKLDNXQWDQVLGDQNHXDQJDQGDQ$NXQWDQ XQWXNODSRUDQNHXDQJDQDXGLWHG
'DWD8PXP
1DPD(PLWHQ3HUXVDKDDQ3XEOLN 377(55(*5$$6,$(1(5*<7EN
%LGDQJ8VDKD 3HPEDQJNLWWHQDJDOLVWULNWUDQVDNVLWHQDJDOLVWULN SHQMXDODQWHQDJD
OLVWULNVHEDJDLVXDWXNHVDWXDQXVDKD.RQVWUXNVLEDQJXQDQVLSLO
HOHNWULNDONRQVWUXNVLEDQJXQDQSUDVDUDQDVXPEHUGD\DDLU
-HQLVSHQDZDUDQ8PXP 7HUEDWDV
7DKXQ 7DKXQ
1DPD.DQWRU$NXQWDQ3XEOLN .$3,UZDQWRGDQ5HNDQ .$3,UZDQWRGDQ5HNDQ
1DPD3DUWQHU 1LQR%HUOLDQWR ,UZDQWR
2SLQL$NXQWDQ :DMDUWDQSDSHQJHFXDOLDQ :DMDUWDQSDSHQJHFXDOLDQ
&DWDWDQWHQWDQJ2SLQL MLNDDGD
GLVHVXDLNDQGHQJDQSHULRGHSHQ\DMLDQODSRUDQNHXDQJDQ
Page 2
3DJHRI
<D 7LGDN
3HPHQXKDQ3HUDWXUDQ1R9,,,*7HQWDQJ³7DQJJXQJ ¥
-DZDE'LUHNVL$WDV/DSRUDQ.HXDQJDQ´
3HPHQXKDQ3HUDWXUDQ1R9,,,$WHQWDQJ³,QGHSHQGHQVL ¥
$NXQWDQ<DQJ0HPEHULNDQ-DVD$XGLWGL3DVDU0RGDO´
'DWD.HXDQJDQ3HQWLQJ
3HULRGHODSRUDQNHXDQJDQ 7DKXQ 7DKXQ
/DED5XJL.RPSUHKHQVLI
3HQGDSDWDQ
/DEDNRWRU
5XJLXVDKDRSHUDVLRQDO
(%,7'$
/DED UXJL %HUVLKSHULRGH
EHUMDODQ
/DED UXJL NRPSUHKHQVLI
/DED3HUVDKDP GDVDU
/DED3HUVDKDP GLOXVLDQ
/DSRUDQ3RVLVLNHXDQJDQ
-XPODK$VHW
-XPODK$VHW/DQFDU
-XPODK$VHW7LGDN/DQFDU
-XPODK/LDELOLWDV
-XPODK/LDELOLWDV-DQJND
3HQGHN
-XPODK/LDELOLWDV-DQJND
3DQMDQJ
-XPODK(NXLWDV
Page 3
3DJHRI
0RGDO'LVHWRU
7DPEDKDQPRGDOGLVHWRU
6HOLVLKQLODLWUDQVDNVLGHQJDQ
SLKDNQRQSHQJHQGDOL
6HOLVLKNXUVSHQMDEDUDQ
/DEDGLWDKDQ
.HSHQWLQJDQQRQSHQJHQGDOL
5DVLR.HXDQJDQ
5DVLR/DQFDU
52$
52(
(ELWGDWKGSHQGDSDWDQ
ΎĚĂƉĂƚĚŝƐĞƐƵĂŝŬĂŶďĞƌĚĂƐĂƌŬĂŶŝŶĚƵƐƚƌŝŶLJĂ
&DWDWDQ
3HQJXQJNDSDQ\DQJGLSHUV\DUDWNDQXQWXNPDVLQJPDVLQJSRVZDMLEGLXQJNDSNDQVHOXUXKQ\DNHFXDOLSHQJXQJNDSDQWHUVHEXWWLGDNUHOHYDQ
DWDXWLGDNGDSDWGLWHUDSNDQSDGD(PLWHQDWDX3HUXVDKDDQ3XEOLN(PLWHQDWDX3HUXVDKDDQ3XEOLNZDMLEPHQ\HVXDLNDQSHQJXQJNDSDQVHVXDL
GHQJDQNDUDNWHULVWLNLQGXVWULDSDELODSHQJXQJNDSDQWHUVHEXWGLSHUV\DUDWNDQROHK6$.DWDXUHOHYDQXQWXNPHPDKDPLODSRUDQNHXDQJDQ(PLWHQ
DWDX3HUXVDKDDQ3XEOLN
(PLWHQDWDX3HUXVDKDDQ3XEOLN\DQJPHUXSDNDQ3HUXVDKDDQ(IHNWLGDNPHQJDFXSDGDFKHFNOLVWLQLQDPXQPHQJLNXWLSHUDWXUDQ%DSHSDP/.
1R9,,,*WHQWDQJ3HGRPDQ$NXQWDQVL3HUXVDKDDQ(IHN
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
/DSRUDQ.HXDQJDQ7HUGLULGDUL
/DSRUDQSRVLVLNHXDQJDQSDGDDNKLUSHULRGH ¥ +DODPDQ
/DSRUDQODEDUXJLNRPSUHKHQVLIVHODPDSHULRGH ¥ +DODPDQ
/DSRUDQSHUXEDKDQHNXLWDVVHODPDSHULRGH ¥ +DODPDQ
/DSRUDQDUXVNDVVHODPDSHULRGH ¥ +DODPDQ
/DSRUDQSRVLVLNHXDQJDQSDGDDZDOSHULRGHNRPSDUDWLI\DQJGLVDMLNDQVDDW ¥ +DODPDQ
3HUXVDKDDQPHQHUDSNDQVXDWXNHELMDNDQDNXQWDQVLVHFDUDUHWURVSHNWLIDWDX
PHPEXDWSHQ\DMLDQNHPEDOLSRVSRVODSRUDQNHXDQJDQDWDXNHWLND3HUXVDKDDQ
Page 4
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
PHUHNODVLILNDVLSRVSRVGDODPODSRUDQNHXDQJDQQ\D
&DWDWDQDWDV/DSRUDQ.HXDQJDQ ¥ +DODPDQ
<ĞƚĞŶƚƵĂŶhŵƵŵ
3HUXVDKDDQ ZDMLE PHQ\DMLNDQFDWDWDQDWDVODSRUDQNHXDQJDQGHQJDQXUXWDQVHEDJDL
EHULNXW
D JDPEDUDQXPXP3HUXVDKDDQ ¥ +DODPDQ
E GDVDUSHQ\XVXQDQODSRUDQNHXDQJDQGDQLNKWLVDUNHELMDNDQDNXQWDQVLVLJQLILNDQ\DQJ ¥
+DODPDQ
GLWHUDSNDQ
F LQIRUPDVLWDPEDKDQXQWXNSRVSRV\DQJGLVDMLNDQGDODPODSRUDQSRVLVLNHXDQJDQ
¥ +DODPDQ
ODSRUDQODEDUXJLNRPSUHKHQVLIODSRUDQSHUXEDKDQHNXLWDVGDQODSRUDQDUXVNDV
VHVXDLGHQJDQXUXWDQSHQ\DMLDQODSRUDQGDQSHQ\DMLDQPDVLQJPDVLQJSRVGDQ
G SHQJXQJNDSDQODLQQ\D\DQJDQWDUDODLQPHOLSXWL
LQIRUPDVL\DQJGLSHUV\DUDWNDQ ROHK6$.\DQJWLGDNGLVDMLNDQGLEDJLDQPDQDSXQ
¥
GDODPODSRUDQNHXDQJDQGDQ
LQIRUPDVL\DQJWLGDNGLVDMLNDQGLEDJLDQPDQDSXQGDODPODSRUDQNHXDQJDQWHWDSL
LQIRUPDVLWHUVHEXWUHOHYDQXQWXNPHPDKDPLODSRUDQNHXDQJDQ ¥
3HUXVDKDDQZDMLE PHQ\DWDNDQGDODPEHQWXNQLODLDWDXSHUVHQWDVH XQWXNPHQMHODVNDQ
DGDQ\DEDJLDQGDULVXDWXMXPODKWLGDNPHQJJXQDNDQNDWD³VHEDJLDQ´
¥ +DODPDQ
3HUXVDKDDQZDMLEPHQJXQJNDSNDQGDODPSHQMHODVDQPDVLQJPDVLQJSRVPHQJHQDL$VHW
\DQJGLMDPLQNDQQDPDSLKDN\DQJPHQHULPDMDPLQDQGDQDODVDQGLMDPLQNDQ
'DODPKDO$VHW3HUXVDKDDQGLDVXUDQVLNDQZDMLEGLXQJNDSNDQMHQLVGDQQLODLDVHW\DQJ
GLDVXUDQVLNDQQLODLSHUWDQJJXQJDQDVXUDQVLGDQULVLNR\DQJGLWXWXSVHUWDSHQGDSDW ¥
+DODPDQ
PDQDMHPHQDWDVNHFXNXSDQSHUWDQJJXQJDQDVXUDQVL DSDELOD WLGDN GLDVXUDQVLNDQ ZDMLE
GLXQJNDSNDQDODVDQQ\D
8QVXUXQVXU&DWDWDQ$WDV/DSRUDQ.HXDQJDQ
*DPEDUDQ8PXP3HUXVDKDDQ
+DOKDO\DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 3HQGLULDQSHUXVDKDDQ
5LZD\DWULQJNDVSHUXVDKDDQ ¥ +DODPDQ
1RPRUGDQWDQJJDODNWDSHQGLULDQVHUWDSHUXEDKDQWHUDNKLUSHQJHVDKDQGDULLQVWDQVL\DQJ ¥ +DODPDQ
EHUZHQDQJGDQQRPRUVHUWDWDQJJDO%HULWD1HJDUD
.HJLDWDQXVDKDVHVXDLDQJJDUDQGDVDU3HUXVDKDDQGDQ\DQJVHGDQJGLMDODQNDQSDGD ¥ +DODPDQ
Page 5
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SHULRGHSHODSRUDQ
7HPSDWNHGXGXNDQSHUXVDKDDQGDQORNDVLXWDPDNHJLDWDQXVDKD ¥ +DODPDQ
7DQJJDOPXODLEHURSHUDVLQ\DSHUXVDKDDQVHFDUDNRPHUVLDO'DODPKDOSHUXVDKDDQ ¥ +DODPDQ
PHODNXNDQHNVSDQVLDWDXSHUDPSLQJDQXVDKDVHFDUDVLJQLILNDQSDGDSHULRGHODSRUDQ\DQJ
GLVDMLNDQZDMLEGLVHEXWNDQVDDWGLPXODLQ\DRSHUDVLNRPHUVLDOGDULHNVSDQVLDWDX
SHUDPSLQJDQXVDKDGDQNDSDVLWDVSURGXNVLQ\DGDQ
1DPDHQWLWDVLQGXNGDQQDPDHQWLWDVLQGXNWHUDNKLUGDODPNHORPSRNXVDKD XOWLPDWH ¥ +DODPDQ
SDUHQWRIWKHJURXS 'DODPKDOWLGDNGDSDWGLXQJNDSNDQZDMLEGLVHEXWNDQDODVDQQ\D
.KXVXV,QGXVWUL0HGLD ¥
3HQMHODVDQULQFLWHQWDQJ3HUL]LQDQ\DQJGLPLOLNL
.KXVXV,QGXVWUL-DODQ7RO ¥
3HUDWXUDQSHUXQGDQJDQDWDXNHSXWXVDQSHPHULQWDK\DQJPHQGDVDULSHQ\HOHQJJDUDDQMDODQ
WROWHUVHEXW
.KXVXVXQWXN$VXUDQVLGDQ3HPELD\DDQ ¥
,]LQELGDQJXVDKDGDUL0HQWHUL.HXDQJDQDWDX2WRULWDV\DQJEHUZHQDQJ
.KXVXVXQWXN,QGXVWUL3HUEDQNDQ ¥
,]LQXVDKDVHEDJDLEDQNXPXPVHEDJDLEDQNGHYLVD MLNDDGD VHUWDL]LQXQWXN
PHQMDODQNDQNHJLDWDQEHUGDVDUNDQSULQVLSV\DULDK MLNDDGD
.KXVXV,QGXVWUL0LQ\DNGDQ*DV%XPLGDQ3HUWDPEDQJDQ8PXP ¥
$UHD(NVSORUDVLGDQ(NVSORLWDVL3HQJHPEDQJDQ
3HQMHODVDQPHQJHQDLDUHDHNVSORUDVLGDQHNVSORLWDVL3HUVHURDQPHOLSXWL
D $UHD(NVSORUDVLPHOLSXWL
x 1DPDORNDVL
x 1DPDSHPLOLNL]LQORNDVL
x 7DQJJDOSHUROHKDQL]LQHNSORUDVLVHUWDWDQJJDOMDWXK WHPSRQ\D
x 3HUVHQWDVLNHSHPLOLNDQVDKDP3HUVHURDQSDGDSHUXVDKDDQSHPLOLNL]LQORNDVLGDQ
x -XPODKELD\DHNVSORUDVL\DQJWHODKGLEXNXNDQVHEDJDL$VHW0LQ\DNGDQ*DV%XPL
SHUWDQJJDO/DSRUDQ3RVLVL.HXDQJDQ
E $UHD(NVSORLWDVL3HQJHPEDQJDQPHOLSXWL
x 1DPDORNDVL
x 1DPDSHPLOLNLMLQORNDVL
x 7DQJJDOSHUROHKDQLMLQHNVSORLWDVLVHUWDWDQJJDOMDWXKWHPSRQ\D
Page 6
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
x 3HUVHQWDVLNHSHPLOLNDQVDKDP3HUVHURDQSDGDSHUXVDKDDQSHPLOLNLMLQORNDVL
x -XPODK&DGDQJDQ7HUEXNWL 3 NHWHUDQJDQWHQWDQJSLKDN\DQJPHODNXNDQ
VHUWLILNDVLGDQWDQJJDOVHUWLILNDVL
x -XPODKSURGXNVLSDGDWDKXQEHUMDODQGDQ
x $NXPXODVLMXPODKSURGXNVLVHMDNDZDONHJLDWDQHNVSORLWDVLSHQJHPEDQJDQROHK
3HUVHURDQKLQJJDWDQJJDOODSRUDQSRVLVLNHXDQJDQ
.KXVXV,QGXVWUL.HKXWDQDQ ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D SHODNVDQDDQNHJLDWDQSHQJXVDKDDQKXWDQ
E ULQFLDQOXDVDUHDOVLVDKXWDQ\DQJEHOXPGLNHORODVHODPDPDVDVLVDPDQIDDW+3+GDQ
F VLVDXPXU+3+
E 3HQDZDUDQ8PXP(IHN\DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥ +DODPDQ
7DQJJDOGDQDWDXQRPRUVXUDWHIHNWLISHQDZDUDQXPXPWHUPDVXNSHQDZDUDQ(IHN\DQJ ¥ +DODPDQ
GLWHUELWNDQGLOXDU,QGRQHVLD
-HQLVGDQMXPODK(IHN\DQJGLWDZDUNDQ ¥ +DODPDQ
%XUVDWHPSDW(IHNGLFDWDWNDQGDQ ¥ +DODPDQ
7LQGDNDQSHUXVDKDDQ\DQJGDSDWPHPSHQJDUXKLMXPODK(IHN\DQJGLWHUELWNDQ FRUSRUDWH ¥
DFWLRQ VHMDNSHQDZDUDQXPXPSHUGDQDVDPSDLGHQJDQSHULRGHSHODSRUDQWHUDNKLU
F 6WUXNWXU3HUXVDKDDQHQWLWDVDQDNGDQ(QWLWDV%HUWXMXDQ.KXVXV (%. ¥ +DODPDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
1DPDHQWLWDVDQDNGDQDWDX(%.\DQJGLNHQGDOLNDQEDLNVHFDUDODQJVXQJPDXSXQWLGDN ¥ +DODPDQ
ODQJVXQJ
7HPSDWNHGXGXNDQ ¥ +DODPDQ
-HQLVXVDKD ¥ +DODPDQ
7DKXQEHURSHUDVLVHFDUDNRPHUVLDO ¥ +DODPDQ
3HUVHQWDVHNHSHPLOLNDQGDQSURSRUVLKDNVXDUD MLNDEHUEHGD ¥ +DODPDQ
7RWDO$VHWGDQ ¥ +DODPDQ
,QIRUPDVLSHQWLQJODLQQ\DDQWDUDODLQ ¥
D VLIDWKXEXQJDQDQWDUDHQWLWDVLQGXNGDQHQWLWDVDQDNDSDELODHQWLWDVLQGXNWLGDN
Page 7
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
PHPLOLNLEDLNODQJVXQJPDXSXQWLGDNODQJVXQJPHODOXLHQWLWDVDQDNOHELKGDUL
OLPDSXOXKSHUVHUDWXV KDNVXDUD\DQJVDK
E DODVDQPHQJDSDNHSHPLOLNDQEDLNODQJVXQJPDXSXQWLGDNODQJVXQJOHELKGDUL OLPD
¥
SXOXKSHUVHUDWXV KDNVXDUDDWDXKDNVXDUDSRWHQVLDODWDVLQYHVWHHWLGDNGLLNXWLGHQJDQ
SHQJHQGDOLDQ
F DNKLUSHULRGHSHODSRUDQGDULODSRUDQNHXDQJDQHQWLWDVDQDNDSDELODODSRUDQNHXDQJDQ
¥
WHUVHEXWGLJXQDNDQXQWXNPHQ\XVXQODSRUDQNHXDQJDQNRQVROLGDVLDQGDQWDQJJDODWDX
SHULRGHEHUEHGDGDULWDQJJDOODSRUDQNHXDQJDQHQWLWDVLQGXNGDQDODVDQPHQJJXQDNDQ
WDQJJDODWDXSHULRGH\DQJEHUEHGD
G VLIDWGDQOXDVVHWLDSUHVWULNVLVLJQLILNDQGDODPNHPDPSXDQHQWLWDVDQDNXQWXN
PHQWUDQVIHUGDQDNHHQWLWDVLQGXNGDODPEHQWXNGLYLGHQWXQDLDWDXSHPED\DUDQ
¥
NHPEDOLSLQMDPDQDWDXXDQJPXND
H VXDWXULQFLDQ\DQJPHQXQMXNNDQGDPSDNVHWLDSSHUXEDKDQEDJLDQNHSHPLOLNDQHQWLWDV
LQGXNSDGDHQWLWDVDQDN\DQJWLGDNPHQJDNLEDWNDQKLODQJQ\D3HQJHQGDOLDQDWDVHNXLWDV ¥
\DQJGDSDWGLDWULEXVLNDQSDGDSHPLOLNHQWLWDVLQGXNGDQ
I GDODPKDOKLODQJQ\D3HQJHQGDOLDQDWDVHQWLWDVDQDNPDNDHQWLWDVLQGXNKDUXV ¥ +DODPDQ
PHQJXQJNDSNDQ
NHXQWXQJDQDWDXNHUXJLDQ MLNDDGD \DQJGLDNXLGDULKLODQJQ\D3HQJHQGDOLDQGDQ
SRUVLGDULNHXQWXQJDQDWDXNHUXJLDQ\DQJGDSDWGLDWULEXVLNDQSDGDSHQJDNXDQ
VLVDLQYHVWDVLSDGDHQWLWDVDQDNWHUGDKXOXGHQJDQ1LODL:DMDUSDGDWDQJJDO
KLODQJQ\D3HQJHQGDOLDQ
MXPODKSHUVHQWDVHNHSHPLOLNDQ\DQJGLOHSDVNDQ
MXPODKKDUJD\DQJGLWHULPD
EDJLDQGDULKDUJD\DQJPHUXSDNDQ.DVGDQ6HWDUD.DV
MXPODK.DVGDQ6HWDUD.DVSDGDHQWLWDVDQDNDWDXELVQLVODLQQ\DGLPDQD
3HQJHQGDOLDQGLOHSDVNDQGDQ
MXPODK$VHWGDQ/LDELOLWDVVHODLQ.DVGDQ6HWDUD.DVSDGDHQWLWDVDQDNDWDXELVQLV
ODLQQ\DGLPDQD3HQJHQGDOLDQGLOHSDVNDQ\DQJGLLNKWLVDUNDQEHUGDVDUNDQNDWHJRUL
XWDPDQ\D
G .DU\DZDQGLUHNVLNRPLVDULVGDQNRPLWHDXGLW
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
1DPDGDQMDEDWDQXQWXNPDVLQJPDVLQJDQJJRWD GLUHNVLGHZDQNRPLVDULVGDQNRPLWH ¥ +DODPDQ
DXGLW
&DNXSDQPDQDMHPHQNXQFLGDQ ¥ +DODPDQ
Page 8
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
-XPODKNDU\DZDQWHWDSSDGDPDVLQJPDVLQJDNKLUSHULRGHDWDXUDWDUDWDMXPODKNDU\DZDQ ¥ +DODPDQ
WHWDSVHODPDSHULRGH\DQJEHUVDQJNXWDQVHFDUDNRQVROLGDVLXQWXN3HUXVDKDDQGDQHQWLWDV
DQDN
H 3HQHUELWDQ/DSRUDQ.HXDQJDQ
7DQJJDOODSRUDQNHXDQJDQGLRWRULVDVLXQWXNWHUELWGDQ ¥ +DODPDQ
3LKDN\DQJEHUWDQJJXQJMDZDEPHQJRWRULVDVLODSRUDQNHXDQJDQ ¥ +DODPDQ
,NKWLVDU.HELMDNDQ$NXQWDQVL6LJQLILNDQ
'DODPEDJLDQLQLKDUXVGLXQJNDSNDQKDOKDOVHEDJDLEHULNXW
D 3HUQ\DWDDQNHSDWXKDQWHUKDGDS6$. ¥ +DODPDQ
3HUQ\DWDDQLQLPHUXSDNDQSHUQ\DWDDQEDKZDODSRUDQNHXDQJDQWHODKGLVXVXQGDQGLVDMLNDQ
VHVXDLGHQJDQ6$.
E 'DVDUSHQJXNXUDQGDQSHQ\XVXQDQODSRUDQNHXDQJDQ
'DVDUSHQJXNXUDQODSRUDQNHXDQJDQ\DLWXEHUGDVDUNDQELD\DKLVWRULV KLVWRULFDOFRVW ¥ +DODPDQ±
ELD\DSHUROHKDQNLQL FXUUHQWFRVW QLODLUHDOLVDVLQHWR QHWUHDOL]DEOHYDOXH 1LODL:DMDU
IDLUYDOXH DWDXMXPODK\DQJGDSDWGLSXOLKNDQEHUGDVDUNDQ6$.\DQJEHUODNX
'DVDUSHQ\XVXQDQODSRUDQNHXDQJDQ\DLWXGDVDUDNUXDONHFXDOLXQWXNODSRUDQDUXVNDV ¥ +DODPDQ
0DWDXDQJIXQJVLRQDOGDQPDWDXDQJSHQ\DMLDQ\DQJGLJXQDNDQPHOLSXWL
D PDWDXDQJIXQJVLRQDO3HUXVDKDDQGDQHQWLWDVDQDN ¥ +DODPDQ
E IDNWDGDQDODVDQSHUXEDKDQDSDELODWHUGDSDWSHUXEDKDQPDWDXDQJIXQJVLRQDO
3HUXVDKDDQPDXSXQNHJLDWDQXVDKDDVLQJ\DQJVLJQLILNDQGDQ ¥
F DODVDQSHUXEDKDQPDWDXDQJSHQ\DMLDQ MLNDDGD ¥
$ODVDQSHUXEDKDQSHULRGHSHODSRUDQ MLNDDGD ¥
F 3HQJJXQDDQ3HUWLPEDQJDQ(VWLPDVLGDQ$VXPVL6LJQLILNDQROHK0DQDMHPHQ
3HUXVDKDDQKDUXVPHQJXQJNDSNDQGDODPLNKWLVDUNHELMDNDQDNXQWDQVLVLJQLILNDQDWDX
EDJLDQODLQGDULFDWDWDQDWDVODSRUDQNHXDQJDQSHUWLPEDQJDQ\DQJWHODKGLEXDW
PDQDMHPHQGDODPSURVHVSHQHUDSDQNHELMDNDQDNXQWDQVLGDQPHPLOLNLGDPSDN\DQJSDOLQJ
VLJQLILNDQWHUKDGDSMXPODK\DQJGLDNXLGDODPODSRUDQNHXDQJDQ
3HUXVDKDDQKDUXVPHQJXQJNDSNDQLQIRUPDVLWHQWDQJDVXPVL\DQJGLEXDWPHQJHQDLPDVD
GHSDQGDQVXPEHUXWDPDGDULHVWLPDVLNHWLGDNSDVWLDQODLQSDGDDNKLUSHULRGHSHODSRUDQ
Page 9
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
\DQJPHPLOLNLULVLNRVLJQLILNDQ\DQJPHQJDNLEDWNDQSHQ\HVXDLDQPDWHULDOWHUKDGDSMXPODK ¥
WHUFDWDW$VHWGDQ/LDELOLWDVGDODPSHULRGHSHODSRUDQEHULNXWQ\DGDQ
%HUNDLWDQGHQJDQ$VHWGDQ/LDELOLWDVVHEDJDLPDQDGLPDNVXGGDODPDQJND FDWDWDQDWDV
ODSRUDQNHXDQJDQPHPDVXNNDQULQFLDQDWDVVLIDWGDQMXPODKWHUFDWDWSDGDDNKLUSHULRGH
SHODSRUDQ
G .HELMDNDQ$NXQWDQVL7HUWHQWX
.HELMDNDQDNXQWDQVLWHUWHQWXPHUXSDNDQNHELMDNDQDNXQWDQVLODLQQ\D\DQJGLWHUDSNDQGDQ
UHOHYDQXQWXNPHPDKDPLODSRUDQNHXDQJDQ.HELMDNDQDNXQWDQVLWHUWHQWXPHOLSXWLWHWDSL
WLGDNWHUEDWDVSDGDKDOKDOVHEDJDLEHULNXW
3ULQVLSSULQVLSNRQVROLGDVL
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D UXDQJOLQJNXS /DSRUDQ .HXDQJDQ .RQVROLGDVLDQ\DQJPHOLSXWLSRVSRVHQWLWDVLQGXN ¥ +DODPDQ
GDQHQWLWDVDQDN
E GDVDUGDQNDSDQVXDWXHQWLWDVDQDNGLNRQVROLGDVLNDQNHGDODPODSRUDQNHXDQJDQ ¥ +DODPDQ
HQWLWDVLQGXN
F NHELMDNDQDNXQWDQVLVHKXEXQJDQGHQJDQSHUXEDKDQNHSHPLOLNDQWDQSDNHKLODQJDQ
¥ +DODPDQ
3HQJHQGDOLDQDWDVHQWLWDVDQDN
G NHELMDNDQDNXQWDQVLVHKXEXQJDQGHQJDQNHKLODQJDQ3HQJHQGDOLDQDWDVHQWLWDVDQDN
¥ +DODPDQ
H NHELMDNDQDNXQWDQVLVHKXEXQJDQGHQJDQSHQFDWDWDQGDQSHQ\DMLDQNHSHQWLQJDQ
QRQSHQJHQGDOLGDQ ¥ +DODPDQ
I SHUQ\DWDDQEDKZDVDOGRSRVGDQWUDQVDNVLPDWHULDODQWDUHQWLWDV\DQJGLNRQVROLGDVL ¥ +DODPDQ
WHODKGLHOLPLQDVL
.RPELQDVLELVQLV
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D PHWRGH\DQJGLJXQDNDQGDODPNRPELQDVLELVQLVWHUPDVXNPHWRGH\DQJGLJXQDNDQ ¥ +DODPDQ±
XQWXNPHQJXNXUNHSHQWLQJDQQRQSHQJHQGDOL
E SHQJDNXDQDZDOXQWXNJRRGZLOO ¥
+DODPDQ±
F SHQJXNXUDQVHWHODKSHQJDNXDQDZDOXQWXNJRRGZLOOGDQ
¥ +DODPDQ±
G NHELMDNDQODLQQ\D\DQJUHOHYDQWHUNDLWGHQJDQNRPELQDVLELVQLV\DQJDGDGL
3HUXVDKDDQDQWDUDODLQ
¥
SHPEHOLDQGHQJDQGLVNRQ
¥
DNXLVLVLVHFDUDEHUWDKDSGDQ
¥
LPEDODQNRQWLQMHQVL
Page 10
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
.DVGDQVHWDUDNDV
<DQJKDUXVGLMHODVNDQDQWDUDODLQNHELMDNDQGDODPPHQHQWXNDQNRPSRQHQNDVGDQVHWDUD ¥ +DODPDQ
NDV
,QVWUXPHQ.HXDQJDQ
D ,QVWUXPHQ.HXDQJDQVHODLQ6XNXN
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
SHQJDNXDQDZDOLQVWUXPHQNHXDQJDQVHWLDSNDWHJRULWHUPDVXNSHUODNXDQDWDV
ELD\DWUDQVDNVL ¥
SHQJXNXUDQVHWHODKSHQJDNXDQDZDOLQVWUXPHQNHXDQJDQVHWLDSNDWHJRUL
NHWHQWXDQVDOLQJKDSXVGDULLQVWUXPHQNHXDQJDQ ¥
PHWRGH\DQJGLJXQDNDQXQWXNPHQHQWXNDQ1LODL:DMDULQVWUXPHQNHXDQJDQ ¥
PHWRGHSHUKLWXQJDQ\DQJGLJXQDNDQXQWXNPHQHQWXNDQSHQXUXQDQQLODLGDULDVHW ¥
NHXDQJDQ ¥
NHWHQWXDQSHQJKHQWLDQSHQJDNXDQLQVWUXPHQNHXDQJDQ
¥
NKXVXVLQVWUXPHQNHXDQJDQGHULYDWLIGDQDNXQWDQVLOLQGXQJQLODLVHODLQ
SHQMHODVDQVHEDJDLPDQDGLPDNVXGGDODPDQJND DQJND DQJND DQJND
DQJND GDQDQJND ZDMLEGLWDPEDKNDQSHQMHODVDQPHQJHQDL
D NHWHQWXDQSHPHQXKDQNULWHULDDNXQWDQVLOLQGXQJQLODL
E NODVLILNDVLOLQGXQJQLODLXQWXNWXMXDQDNXQWDQVLOLQGXQJQLODLDWDVLQVWUXPHQ
NHXDQJDQGHULYDWLIGDQ
F SHUODNXDQDNXQWDQVLOLQGXQJQLODLXQWXNWXMXDQDNXQWDQVLOLQGXQJQLODL
E ,QYHVWDVLSDGD6XNXN
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
¥
NODVLILNDVLGDQUHNODVLILNDVLLQYHVWDVLSDGD6XNXN
¥
SHQJDNXDQDZDO6XNXN
SHQJXNXUDQVHWHODKSHQJDNXDQDZDO6XNXN
¥
3HQ\DMLDQSHQGDSDWDQVXNXNGDQ
SHQ\DMLDQDPRUWLVDVLELD\DWUDQVDNVL
F 6XNXN\DQJGLWHUELWNDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
SHQJDNXDQDZDO6XNXN
SHQJXNXUDQVHWHODKSHQJDNXDQDZDO6XNXN
¥
Page 11
3DJHRI
¥
Page 12
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
ELD\DWUDQVDNVLSHQHUELWDQ6XNXN ¥
SRVLVLSHQ\DMLDQ6XNXNGDQ
DNDGV\DULDK\DQJGLJXQDNDQ
.KXVXV,QGXVWUL3HUEDQNDQ
D *LUR:DMLE0LQLPXP
<DQJKDUXVGLMHODVNDQDQWDUDODLQNHWHQWXDQPHQJHQDLMXPODKJLURZDMLEPLQLPXP
E *LURSDGD%DQN,QGRQHVLDGDQ%DQN/DLQ ¥
<DQJKDUXVGLMHODVNDQDQWDUDODLQGDVDUSHQ\DMLDQ*LURSDGD%DQN,QGRQHVLDGDQ%DQN
/DLQ
F 3HQHPSDWDQSDGD%DQN,QGRQHVLDGDQ%DQN/DLQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQGDVDUSHQ\DMLDQ3HQHPSDWDQSDGD%DQN,QGRQHVLD
GDQ%DQN/DLQ
3LXWDQJ5HYHUVH5HSR
<DQJKDUXVGLMHODVNDQDQWDUDODLQXQVXUXQVXU3LXWDQJ5HYHUVH5HSRPHWRGHSHQFDWDWDQ ¥
GDQSHQJXNXUDQQ\D
.KXVXV,QGXVWUL3HUEDQNDQ
2EOLJDVL5HNDSLWDOLVDVL3HPHULQWDK
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D .HORPSRNREOLJDVLUHNDSLWDOLVDVL\DQJGLPLOLNL ¥
E 3HQJDNXDQQLODLSDGDLQYHVWDVLXQWXNVHWLDSNHORPSRN2EOLJDVL5HNDSLWDOLVDVL
3HPHULQWDKGDQ
F 'DVDUSHQ\DMLDQHIHNHIHNGDODPODSRUDQNHXDQJDQ
.KXVXV,QGXVWUL3HUEDQNDQ
D .UHGLW
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
3HQMHODVDQDWDVPDVLQJPDVLQJMHQLVNUHGLW\DQJGLEHULNDQ
'DVDUSHQ\DMLDQDWDVNUHGLW ¥
.HELMDNDQPDQDMHPHQGDQSHODNVDQDDQSHQJHQGDOLDQULVLNRSRUWRIROLRNUHGLW
3HUODNXDQDNXQWDQVLXQWXNNUHGLW\DQJGLEHOLGDUL%331 MLNDDGD GDQ
.HELMDNDQEDQNDNDQDJXQDQNUHGLW
E 7DJLKDQ.HZDMLEDQ$NVHSWDVL
<DQJKDUXVGLMHODVNDQDQWDUDODLQGDVDUSHQ\DMLDQDWDVWDJLKDQNHZDMLEDQDNVHSWDVL
F $JXQDQ\DQJ'LDPELO$OLK
Page 13
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
'DVDUSHQLODLDQGDQSHQ\DMLDQ
3HUODNXDQDNXQWDQVLDWDVQLODLUHDOLVDVLSLXWDQJSHPELD\DDQ\DQJGLEHULNDQGHQJDQ ¥
VDOGRSLXWDQJSHPELD\DDQ\DQJWLGDNGDSDWGLWDJLKGDQ
3HUODNXDQDNXQWDQVLDWDVNHXQWXQJDQ NHUXJLDQ GDULUHDOLVDVLSHQMXDODQDJXQDQ
.KXVXVXQWXN,QGXVWUL3HPELD\DDQ
3LXWDQJ3HPELD\DDQ.RQVXPHQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ ¥
D 'DVDUSHQ\DMLDQSLXWDQJSHPELD\DDQNRQVXPHQGDQ
E 'DVDUSHQLODLDQDVHWMLNDSHUXVDKDDQPHQDULNNHPEDOLDVHWSHPELD\DDQNRQVXPHQGDUL
NRQVXPHQQ\D
$QMDN3LXWDQJ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D -HQLVWUDQVDNVLDQMDNSLXWDQJ GHQJDQUHFRXUVHDWDXWDQSDUHFRXUVH
E 3HQ\DMLDQWUDQVDNVLDQMDNSLXWDQJ
F 3HUODNXDQDNXQWDQVLDWDVSHUEHGDDQDQWDUDKDUJDSHQJDOLKDQGDQMXPODKEHUVLK
¥
SLXWDQJGLDOLKNDQGDQ
G 3HUODNXDQWHUKDGDSNHJDJDODQDWDVWDJLKDQDQMDNSLXWDQJ GLWDJLKNDQNHPEDOLNHNOLHQ
DWDXGLWDQJJXQJROHKSHUXVDKDDQ
6HZD
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D NHELMDNDQ SHQHQWXDQVXDWXSHUMDQMLDQPHQJDQGXQJVXDWXVHZD
¥
E NHELMDNDQ SHQHQWXDQVXDWXVHZDPHUXSDNDQVHZDSHPELD\DDQDWDXVHZDRSHUDVLGDQ
¥
F NHELMDNDQDNXQWDQVLDSDELOD3HUXVDKDDQEHUWLQGDNVHEDJDLOHVVHHGDQDWDXOHVVRU ¥
3HUVHGLDDQ
\DQJKDUXVGLMHODVNDQDQWDUDODLQPHQJHQDLNHELMDNDQDNXQWDQVL\DQJGLJXQDNDQGDQ ¥
UXPXVDQELD\D\DQJGLJXQDNDQ
D .KXVXV,QGXVWUL.HKXWDQDQ
+7,'DODP3HQJHPEDQJDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ ¥
%HEDQEHEDQ\DQJGLNDSLWDOLVDVLDQWDUDODLQNHZDMLEDQNHSDGDQHJDUDSHPHOLKDUDDQ
VDUDQDGDQSUDVDUDQD
+7,6LDS3DQHQ ¥
Page 14
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
%LD\DSHUROHKDQPXWDVLSHPEHEDQDQNHELD\DSURGXNVL
E .KXVXV,QGXVWUL3HUNHEXQDQ
7DQDPDQ3HUNHEXQDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
'DVDUNODVLILNDVLXQWXNMHQLVWDQDPDQVHEDJDLSHUVHGLDDQWDQDPDQEHOXP
PHQJKDVLONDQDWDXWDQDPDQWHODKPHQJKDVLONDQ
'DVDUSHQLODLDQGDQSHQJXNXUDQ
¥
.HELMDNDQDNXQWDQVLUHNODVLILNDVLWDQDPDQEHOXPPHQJKDVLONDQNHWDQDPDQWHODK
PHQJKDVLONDQ
0HWRGHSHQ\XVXWDQGDQPDVDPDQIDDWWDQDPDQ\DQJGLVXVXWNDQGDQ
.HELMDNDQDNXQWDQVLELD\DSLQMDPDQ
F .KXVXV,QGXVWUL3HWHUQDNDQ
+HZDQ7HUQDN
<DQJKDUXVGLMHODVNDQ DQWDUDODLQ
+HZDQWHUQDNWHODKPHQJKDVLONDQ
D 0HWRGHSHQLODLDQ
E 0HWRGHDPRUWLVDVL GHSOHVL GDQ ¥
F &DGDQJDQNHPDWLDQDWDXPHWRGHSHQJKDSXVDQODQJVXQJMLNDDGD
+HZDQWHUQDNGDODPSHUWXPEXKDQ EHOXPPHQJKDVLONDQ
D 0HWRGHSHQLODLDQGDQ
E 3HUNLUDDQZDNWX\DQJGLEXWXKNDQXQWXNGDSDWEHUSLQGDKPHQMDGL KHZDQ
WHUQDNWHODKPHQJKDVLONDQ
$VHW7HWDS
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D SHQJDNXDQDZDO$VHW7HWDS ¥ +DODPDQ
E SHQJXNXUDQVHWHODKSHQJDNXDQDZDO$VHW7HWDS +DODPDQ
¥
F SHQJHORPSRNDQ$VHW7HWDS +DODPDQ
¥
G PHWRGHSHQ\XVXWDQ\DQJGLJXQDNDQ +DODPDQ
H NDSLWDOLVDVLELD\D\DQJWHUNDLWGHQJDQ$VHW7HWDS ¥
I HVWLPDVLXPXUPDQIDDWGDQWDULISHQ\XVXWDQ +DODPDQ
¥
J SHQJKHQWLDQSHQJDNXDQ ¥
K QLODLUHVLGXGDQ
L SHUQ\DWDDQEDKZDPDQDMHPHQWHODKPHQJNDMLXODQJDWDVHVWLPDVLXPXUHNRQRPLV ¥
PHWRGHSHQ\XVXWDQGDQQLODLUHVLGXSDGDVHWLDSDNKLUSHULRGHSHODSRUDQ ¥ +DODPDQ
Page 15
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
,QYHVWDVLSDGD(QWLWDV$VRVLDVL
<DQJKDUXVGLMHODVNDQDQWDUDODLQPHWRGH\DQJGLJXQDNDQXQWXNPHQFDWDWLQYHVWDVLSDGD ¥
DVRVLDVL
%DJLDQSDUWLVLSDVLGDODP9HQWXUD%HUVDPD
<DQJKDUXVGLMHODVNDQDQWDUDODLQPHWRGH\DQJGLJXQDNDQXQWXNPHQFDWDWEDJLDQ ¥
SDUWLVLSDVLGDODP9HQWXUD%HUVDPD
3ROD.HUMDVDPD
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D .ULWHULDGDULEHQWXNNHUMDVDPD ¥
E .HELMDNDQDNXQWDQVLXQWXNVHWLDSMHQLVDVHWGDQOLDELOLWDV\DQJWLPEXOGDQ
F 6LVWHPSHPEDJLDQKDVLOMLNDDGD
$VHW7DN%HUZXMXG
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D SHQJDNXDQDZDO$VHW7DNEHUZXMXG
E SHQJXNXUDQVHWHODKSHQJDNXDQDZDO$VHW7DNEHUZXMXG
F XPXUPDQIDDWWLGDNWHUEDWDVDWDXWHUEDWDVGDQDSDELODXPXUPDQIDDWWHUEDWDV
¥ +DODPDQ
GLXQJNDSNDQ WDULI DPRUWLVDVL\DQJGLJXQDNDQGDQXPXUPDQIDDWQ\D
G VXPEHUWHUMDGLQ\D$VHW7DNEHUZXMXG
H PHWRGHDPRUWLVDVL\DQJGLJXQDNDQ
I SHQJKHQWLDQSHQJDNXDQ$VHW7DNEHUZXMXGGDQ
J ULVHWGDQSHQJHPEDQJDQ MLNDDGD
$VHWWLGDNODQFDUDWDXNHORPSRN/HSDVDQ\DQJGLPLOLNLXQWXNGLMXDO
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D NHELMDNDQ WHQWDQJ SHULVWLZDGDQNRQGLVL VXDWXDVHWWLGDNODQFDUGLNODVLILNDVLNDQ
VHEDJDLDVHW\DQJGLPLOLNLXQWXNGLMXDOGDQ ¥
E SHQJXNXUDQ DVHWWLGDNODQFDU DWDXNHORPSRNOHSDVDQ \DQJGLPLOLNLXQWXNGLMXDO
3URSHUWL,QYHVWDVL ¥
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D SHQJDNXDQDZDO3URSHUWL,QYHVWDVL
E SHQJXNXUDQVHWHODKSHQJDNXDQDZDO3URSHUWL,QYHVWDVL
F PHWRGHSHQ\XVXWDQ\DQJGLJXQDNDQNKXVXV XQWXNPRGHOELD\D
¥
G HVWLPDVLXPXUPDQIDDW GDQDWDXWDULISHQ\XVXWDQ XQWXNPRGHOELD\DGDQ
H SHQJKHQWLDQSHQJDNXDQ3URSHUWL,QYHVWDVL
Page 16
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
.KXVXV,QGXVWUL*DVGDQ0LQ\DN%XPL
$VHW0LQ\DNGDQ*DV%XPL
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D 'DVDUSHQJXNXUDQ\DQJGLJXQDNDQXQWXNPHQHQWXNDQMXPODKWHUFDWDWEUXWR
E .ULWHULDNDSLWDOLVDVLELD\DSHQXUXQDQQLODL LPSDLUPHQW GDQSHQLODLDQNHPEDOLDVHW ¥
UHYDOXDVL
F 0HWRGHSHQ\XVXWDQGDQDPRUWLVDVL\DQJGLJXQDNDQ
G 0DVDPDQIDDWDWDXWDULISHQ\XVXWDQGDQDPRUWLVDVL\DQJGLJXQDNDQGDQ
H 3HUWDQJJXQJDQ$VXUDQVL
3HQXUXQDQ1LODL$VHW1RQNHXDQJDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D NHWHQWXDQSHULVWLZDGDQNRQGLVL\DQJPHQJLQGLNDVLNDQNHPXQJNLQDQWHUMDGLQ\D ¥
SHQXUXQDQQLODLGDQ
E NHELMDNDQDNXQWDQVLSHQJDNXDQSHQXUXQDQQLODLDVHWQRQNHXDQJDQGDQSHPEDOLNDQQ\D
.KXVXV,QGXVWUL3HUEDQNDQ
/LDELOLWDV6HJHUD
<DQJKDUXVGLMHODVNDQDQWDUDODLQGDVDUSHQ\DMLDQOLDELOLWDVVHJHUD
6LPSDQDQ1DVDEDK
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D 3HQMHODVDQDWDVVLPSDQDQGDQ
E 'DVDUSHQ\DMLDQGDULPDVLQJPDVLQJNDWHJRULVLPSDQDQ
6LPSDQDQGDULEDQNODLQ
<DQJKDUXVGLMHODVNDQ DQWDUDODLQ ¥
D 3HQMHODVDQDWDVVLPSDQDQGDULEDQNODLQGDQ
E 'DVDUSHQ\DMLDQVLPSDQDQGDULEDQNODLQ
6XUDW%HUKDUJD\DQJ'LWHUELWNDQ
<DQJKDUXVGLMHODVNDQ DQWDUDODLQ
D .ULWHULDGDQMHQLVMHQLVVXUDWEHUKDUJD\DQJGLWHUELWNDQGDQ
E 3HUODNXDQDNXQWDQVLDWDVSUHPLDWDXGLVNRQWR
3URYLVL
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D NRQGLVLSURYLVL\DQJKDUXVGLDNXLGDQ ¥
Page 17
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
E GDVDUSHQHQWXDQQLODLSURYLVL
8WDQJ5HSR
<DQJKDUXVGLMHODVNDQDQWDUDODLQXQVXUXQVXU8WDQJ5HSRPHWRGHSHQFDWDWDQGDQ ¥
SHQJXNXUDQQ\D
.KXVXV,QGXVWUL*DVGDQ0LQ\DN%XPL
%LD\D3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS7DQJJXKDQ3HQ\LVLKDQ
/LDELOLWDV3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS7DQJJXKDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D 3HUODNXDQDNXQWDQVLDWDVSHPEHEDQDQELD\D3/+
E 0HWRGHDPRUWLVDVLDWDVELD\D3/+\DQJ GLWDQJJXKNDQ
¥
F 0HWRGHSHQ\XVXWDQSUDVDUDQD3/+GDQ
G 7DEHO\DQJPHPXDWSHQMHODVDQWHQWDQJ
/RNDVLSHQDPEDQJDQ
6DOGRDZDOXQWXNPDVLQJPDVLQJORNDVL
3HQDPEDKDQGDQ3HQJXUDQJDQXQWXNPDVLQJPDVLQJORNDVLSHQDPEDQJDQGDQ
6DOGRDNKLUXQWXNPDVLQJPDVLQJORNDVLSHQDPEDQJDQ
.KXVXV,QGXVWUL3HUWDPEDQJDQ8PXP
%LD\D(NVSORUDVLGDQ3HQJHPEDQJDQ7DQJJXKDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D %LD\D(NVSORUDVL\DQJ'LWDQJJXKNDQDWDVNHJLDWDQHNVSORUDVL\DQJPDVLKEHUMDODQ
GHQJDQSHQMHODVDQPHQJHQDLMDQJNDZDNWXNRQWUDNXQWXN$UHDRI,QWHUHVW\DQJ
EHUVDQJNXWDQ
E %LD\D(NVSORUDVL\DQJ'LWDQJJXKNDQDWDVNHJLDWDQHNVSORUDVL\DQJVXGDKPHQHPXNDQ
DGDQ\D&DGDQJDQ7HUEXNWLGHQJDQSHQMHODVDQEDKZDDPRUWLVDVLQ\DEDUXDNDQ
GLODNVDQDNDQSDGDVDDWGLPXODLQ\DSURGXNVL
¥
F 'DVDUSHQHQWXDQGLWDQJJXKNDQQ\DELD\DSHQJHPEDQJDQGDQNDSLWDOLVDVLELD\D
SHNHUMDDQNRQVWUXNVLGDQSUDVDUDQDGDQ
G 0HWRGHDPRUWLVDVLGDQSHQ\XVXWDQ\DQJGLSHUJXQDNDQGHQJDQSHQMHODVDQMDQJND
ZDNWXSHULMLQDQSHQDPEDQJDQWDNVLUDQXPXUHNRQRPLVWDPEDQJGDQGDVDU
SHUKLWXQJDQDPRUWLVDVL
%LD\D3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS7DQJJXKDQ3HQ\LVLKDQ
/LDELOLWDV3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS7DQJJXKDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D 3HUODNXDQDNXQWDQVLDWDVSHPEHEDQDQELD\D3/+
Page 18
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
E 0HWRGHDPRUWLVDVLDWDVELD\D3/+\DQJGLWDQJJXKNDQGDQ ¥
F 0HWRGHSHQ\XVXWDQSUDVDUDQD3/+
3HQJDNXDQ3HQGDSDWDQ
D <DQJKDUXVGLMHODVNDQ DQWDUDODLQ
NRQGLVLGDQ PHWRGHSHQJDNXDQ SHQGDSDWDQVHUWDGDVDUSHQJXNXUDQ\DQJ ¥ +DODPDQ
GLJXQDNDQEHUGDVDUNDQMHQLVSHQGDSDWDQ\DQJDGDGDQ
GDODPKDO WHUGDSDW WUDQVDNVLKXEXQJDQNHDJHQDQ NHELMDNDQSHQJDNXDQ
SHQGDSDWDQGDQSHQMXDODQGDULKXEXQJDQNHDJHQDQVHUWDEHEDQWHUNDLW ¥
E 3HQJDNXDQSHQGDSDWDQGDQ%HEDQGHQJDQPHQJJXQDNDQPHWRGHSHUVHQWDVH
SHQ\HOHVDLDQ
<DQJKDUXVGLMHODVNDQ DQWDUDODLQPHWRGH\DQJGLWHUDSNDQXQWXNPHQHQWXNDQWDKDS ¥
SHQ\HOHVDLDQVXDWXNRQWUDN
F .KXVXV,QGXVWUL$VXUDQVL
3HQJDNXDQSHQGDSDWDQSUHPL
3HQMHODVDQ\DQJKDUXVGLWDPEDKNDQDQWDUDODLQ
D 7DULI\DQJGLJXQDNDQGDODPSHUKLWXQJDQ SUHPL\DQJEHOXPPHUXSDNDQ
SHQGDSDWDQ
E .HELMDNDQDNXQWDQVLXQWXNWUDQVDNVLUHDVXUDQVLSURVSHNWLIGDQUHWURDNWLIGDQ
F 3HQ\DMLDQSHQGDSDWDQSUHPLGDODPODSRUDQODEDUXJL
%HEDQ.ODLP ¥
3HQMHODVDQ\DQJKDUXVGLWDPEDKNDQDQWDUDODLQ
D .HORPSRNEHEDQNODLPGDODPEHQWXNNODLP\DQJGLVHWXMXLNODLPGDODP
SURVHVSHQ\HOHVDLDQNODLP\DQJWHUMDGLQDPXQEHOXPGLODSRUNDQGDQEHEDQ
SHQ\HOHVDLDQNODLPGDQ
E 3HQ\DMLDQEHEDQNODLPGDODPODSRUDQODEDUXJL
G .KXVXV,QGXVWUL5HDO(VWDWH
.DSLWDOLVDVLGDQPHWRGHDORNDVLELD\DSUR\HNSHQJHPEDQJDQ5HDO(VWDW
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
8QVXUELD\D\DQJNDSLWDOLVDVLNHSUR\HNSHQJHPEDQJDQ5HDO(VWDW ¥
8QVXUELD\D\DQJGLDORNDVLNDQVHEDJDLEHEDQSUR\HN
3HQ\LVLKDQDWDVUHDOLVDVLSHQGDSDWDQSDGDPDVDPHQGDWDQJOHELKUHQGDKGDULQLODL
WHUFDWDWSUR\HN
0HWRGHDORNDVLELD\D\DQJWHODKGLNDSLWDOLVDVLNHVHWLDSXQLW5HDO(VWDW
%LD\D\DQJGLUHYLVLGDQGLUHDORNDVLDNLEDWSHUXEDKDQPHQGDVDUSDGDHVWLPDVLNLQL
Page 19
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
GDQ
8QVXUELD\D\DQJGLDNXLVHEDJDLEHEDQSDGDVDDWWHUMDGLQ\D
3URJUDP/R\DOLWDV3HODQJDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQNHELMDNDQWHUNDLWSURJUDPOR\DOLWDVSHODQJJDQ ¥
7UDQVNVLGDQ6DOGRGDODPPDWDXDQJDVLQJ
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D NHWHQWXDQGDODPSHQMDEDUDQWUDQVDNVLGDQVDOGRGDODPPDWDXDQJDVLQJ ¥ +DODPDQ
E SHUODNXDQDNXQWDQVLVHOLVLKNXUV\DQJWLPEXOGDULSHQMDEDUDQDVHWGDQOLDELOLWDV ¥ +DODPDQ
PRQHWHUGDQ
F UHIHUHQVLGDQNXUV\DQJGLJXQDNDQXQWXNPHQMDEDUNDQWUDQVDNVLGDQVDOGRGDODPPDWD ¥
XDQJDVLQJ
+DODPDQ
7UDQVDNVLGHQJDQ3LKDNSLKDN%HUHODVL
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D 'DVDUSHQHWDSDQ3LKDNSLKDNEHUHODVL ¥ +DODPDQ
E 3HQJXQJNDSDQ3LKDNSLKDNEHUHODVLGDODP/DSRUDQ.HXDQJDQGDQ ¥ +DODPDQ±
+LEDK3HPHULQWDK
<DQJKDUXVGLMHODVNDQDQWDUDODLQNHELMDNDQDNXQWDQVL WHQWDQJ PHWRGHSHQ\DMLDQGDODP ¥
ODSRUDQNHXDQJDQ
3DMDN3HQJKDVLODQ
<DQJKDUXVGLMHODVNDQ DQWDUDODLQ
D GDVDUSHQHQWXDQWDULISDMDNXQWXNPHQJXNXUSDMDNNLQLGDQSDMDNWDQJJXKDQ ¥ +DODPDQ
E NHWHQWXDQPHQJHQDLVDOLQJKDSXV ¥
F SHQJDNXDQGDQSHQJXNXUDQDVHWSDMDNWDQJJXKDQGDQ
¥ +DODPDQ
G PHWRGH\DQJGLJXQDNDQGDODPPHQLODLDVHW OLDELOLWDV SDMDNWDQJJXKDQ
¥ +DODPDQ
,PEDODQ.HUMD
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D MHQLVLPEDODQNHUMD\DQJGLEHULNDQNHSDGDNDU\DZDQ ¥ +DODPDQ
E GHVNULSVLXPXPPHQJHQDLMHQLVSURJUDPLPEDODQSDVFDNHUMD\DQJGLVHOHQJJDUDNDQ ¥ +DODPDQ
ROHK3HUXVDKDDQ
F NHELMDNDQDNXQWDQVL3HUXVDKDDQGDODPPHQJDNXLNHXQWXQJDQGDQNHUXJLDQDNWXDULDO
GDQ ¥ +DODPDQ
G SHQJDNXDQNHXQWXQJDQGDQNHUXJLDQXQWXN FXUWDLOPHQW GDQSHQ\HOHVDLDQ ¥ +DODPDQ
Page 20
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
6DKDP7UHDVXUL
<DQJKDUXVGLMHODVNDQDQWDUDODLQPHWRGHSHQJDNXDQGDQSHQJXNXUDQDWDVSHPEHOLDQ ¥
SHQMXDODQDWDXSHPEDWDODQVDKDPWUHDVXUL
3HPED\DUDQ%HUEDVLV 6DKDP
<DQJKDUXVGLMHODVNDQDQWDUDODLQNHELMDNDQDNXQWDQVLXQWXNWUDQVDNVLSHPED\DUDQEHUEDVLV ¥
VDKDP\DQJGLVHOHVDLNDQPHODOXLLQVWUXPHQHNXLWDVGDQDWDXGLVHOHVDLNDQPHODOXL.DV
WHUPDVXNSHQJXNXUDQQ\D
.XDVL5HRUJDQLVDVL
<DQJKDUXVGLMHODVNDQDQWDUDODLQ
D 'DVDUGLODNXNDQQ\DNXDVLUHRUJDQLVDVL
E 'DVDUSHQHQWXDQQLODLZDMDU$VHWGDQ/LDELOLWDVGDQ ¥
F 3HUODNXDQDNXQWDQVLXQWXNVHOLVLKKDVLOUHYDOXDVL$VHWGDQ/LDELOLWDV
&DWDWDQ%HUODNXXQWXNNXDVLUHRUJDQLVDVLVHEHOXP-DQXDUL
%LD\D3LQMDPDQ
<DQJKDUXVGLMHODVNDQDQWDUDODLQNRQGLVL\DQJPHQJKDUXVNDQELD\DSLQMDPDQ ¥
GLNDSLWDOLVDVLNDQVHEDJDLEDJLDQGDULELD\DSHUROHKDQDVHWNXDOLILNDVLDQ
6HJPHQ2SHUDVL
<DQJKDUXVGLMHODVNDQDQWDUDODLQGDVDU\DQJGLJXQDNDQROHKPDQDMHPHQXQWXN ¥ +DODPDQ
PHQJLGHQWLILNDVLNDQ6HJPHQ2SHUDVL
/DED 5XJL SHUVDKDP
<DQJKDUXVGLMHODVNDQDQWDUDODLQGDVDUSHUKLWXQJDQODED UXJL SHUVDKDPGDVDUGDQODED ¥ +DODPDQ
UXJL SHUVDKDPGLOXVLDQ
3HQJXQJNDSDQDWDV3RV3RV/DSRUDQ.HXDQJDQ
D $VHW
.DVGDQ6HWDUD.DV
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D XQVXU.DVGDQ6HWDUD.DVSDGDSLKDNEHUHODVLGDQSLKDNNHWLJD ¥ +DODPDQ
E ULQFLDQMXPODKSHQHPSDWDQGLEDQNEHUGDVDUNDQQDPDEDQNVHUWDMHQLVPDWDXDQJ ¥ +DODPDQ
DVLQJ
Page 21
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F NLVDUDQVXNXEXQJDNRQWUDNWXDOGDUL 6HWDUD.DV VHODPDSHULRGHSHODSRUDQGDQ ¥ +DODPDQ
G MXPODK VDOGR.DVGDQ6HWDUD.DV \DQJVLJQLILNDQ\DQJWLGDNGDSDWGLJXQDNDQROHK ¥ +DODPDQ
NHORPSRNXVDKDGLVHUWDLSHQGDSDWPDQDMHPHQ
.KXVXV,QGXVWUL3HUEDQNDQ
D .DV ¥
<DQJKDUXVGLXQJNDSNDQDGDODKULQFLDQMXPODKNDVEHUGDVDUNDQMHQLVPDWDXDQJ
E *LURSDGD%DQN,QGRQHVLD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQMXPODK*LURSDGD%DQN,QGRQHVLDEHUGDVDUNDQMHQLVPDWDXDQJ QLODL
GDODPPDWDXDQJRULJLQDO GDQ
.HWHQWXDQ*LUR:DMLE0LQLPXP *:0 PHQXUXW%,GDQSRVLVL*:0EDQNSDGD ¥
VDDWSHULRGHSHODSRUDQ
F *LURSDGD%DQN/DLQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQMXPODK*LURSDGD%DQN/DLQEHUGDVDUNDQMHQLVPDWDXDQJ
-XPODKSHQ\LVLKDQSHQXUXQDQQLODL
3HUXEDKDQSHQ\LVLKDQVHODPDSHULRGHEHUMDODQXQWXNPDVLQJPDVLQJJLUR ¥
5LQFLDQMXPODK*LURSDGD%DQN/DLQEHUGDVDUNDQSLKDN\DQJPHPSXQ\DL
KXEXQJDQLVWLPHZDGDQSLKDNNHWLJD
7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQGDQ
3HQGDSDWPDQDMHPHQDNDQNHFXNXSDQMXPODKSHQ\LVLKDQSHQXUXQDQQLODL
G 3HQHPSDWDQSDGD%DQN,QGRQHVLDGDQ%DQN/DLQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQMXPODKSHQHPSDWDQEHUGDVDUNDQMHQLVGDQPDWDXDQJ
5LQFLDQSHQHPSDWDQEHUGDVDUNDQ\DQJPHQJDODPLSHQXUXQDQQLODL LPSDLUHG
GDQWLGDNPHQJDODPLSHQXUXQDQQLODL XQLPSDLUHG
-DQJNDZDNWX UDWDUDWDDWDXSHUNHORPSRN
-XPODKSHQ\LVLKDQSHQXUXQDQQLODL GDQ PXWDVL VHODPDSHULRGHEHUMDODQ ¥
5LQFLDQMXPODKSHQHPSDWDQEHUGDVDUNDQSLKDN\DQJPHPSXQ\DLKXEXQJDQ
LVWLPHZDGDQSLKDNNHWLJD
Page 22
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ
-XPODKGDQD\DQJGLEORNLUGDQDODVDQQ\D
-XPODKGDQD\DQJWLGDNGDSDWGLFDLUNDQSDGDEDQNEHUPDVDODKEDQNEHNX ¥
RSHUDVLDWDXOLNXLGDVLWHUPDVXNWLQJNDWNHPXQJNLQDQGLWHULPDQ\DNHPEDOLGDQD
WHUVHEXWEHUGDVDUNDQLQIRUPDVLGDULRWRULWDV\DQJEHUZHQDQJGDQ
3HQGDSDWPDQDMHPHQDNDQNHFXNXSDQMXPODKSHQ\LVLKDQSHQXUXQDQQLODL
3LXWDQJ8VDKD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D MXPODKSLXWDQJ\DQJGLSLVDKNDQDQWDUDSLKDNNHWLJDGDQSLKDNEHUHODVL ¥ +DODPDQ
E MXPODKSLXWDQJPHQXUXWGHELWXU ¥ +DODPDQ
F MXPODKSLXWDQJPHQXUXWPDWDXDQJ ¥ +DODPDQ
G DODVDQGDQGDVDUSHPEHQWXNDQFDGDQJDQNHUXJLDQSHQXUXQDQQLODL ¥ +DODPDQ
H MXPODKFDGDQJDQNHUXJLDQSHQXUXQDQQLODLEHEDQFDGDQJDQNHUXJLDQSHQXUXQDQQLODL ¥
VHFDUDLQGLYLGXDOGDQNROHNWLIGDQSHQJKDSXVDQSLXWDQJ
I SHQGDSDWPDQDMHPHQDNDQNHFXNXSDQMXPODKFDGDQJDQDWDXNH\DNLQDQPDQDMHPHQ ¥
DWDVNHWHUWDJLKDQSLXWDQJDSDELODWLGDNGLEHQWXNFDGDQJDQ +DODPDQ
J SLXWDQJ\DQJGLMDPLQNDQQDPDSLKDN\DQJPHQHULPDMDPLQDQGDQDODVDQGLMDPLQNDQ ¥
K MXPODKGLDPRUWLVDVLGHQJDQPHQJJXQDNDQPHWRGHVXNXEXQJDHIHNWLIGDQ ¥
L LQIRUPDVLNHWHUOLEDWDQEHUNHODQMXWDQDWDVSLXWDQJ\DQJGLWUDQVIHUPHOLSXWL
MXPODK\DQJGLWUDQVIHUEHEDQEXQJDUHWHQVLMDWXKWHPSRGDQLNDWDQSHQWLQJ ¥
ODLQ\DQJGLDWXUGDODPSHUMDQMLDQGDQ
MDPLQDQ\DQJGLEHULNDQ ELODDGD ¥
.KXVXV,QGXVWUL$VXUDQVL
D 3LXWDQJ3UHPL
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ ¥
-XPODKSLXWDQJEHUGDVDUNDQWHUWDQJJXQJGDQDVXUDGXU
-XPODKSLXWDQJEHUGDVDUNDQMHQLVDVXUDQVLGDQ
-XPODKSLXWDQJSUHPL\DQJGLSHUNHQDQNDQGDODPSHUKLWXQJDQVROYDELOLWDV
E 3LXWDQJ.RDVXUDQVL ¥
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ
-XPODKEHUGDVDUNDQNRDVXUDGXU
Page 23
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
-XPODKPHQXUXWMHQLVDVXUDQVLGDQ
-XPODKSLXWDQJNRDVXUDQVL\DQJGLSHUNHQDQNDQGDODPSHUKLWXQJDQVROYDELOLWDV
F 3LXWDQJ5HDVXUDQVL ¥
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ
-XPODKSLXWDQJEHUGDVDUNDQUHDVXUDGXU
-XPODKSLXWDQJDWDXXWDQJUHDVXUDQVL\DQJGLVDOLQJKDSXVNDQGDQ
-XPODKSLXWDQJUHDVXUDQVL\DQJGLSHUNHQDQNDQGDODPSHUKLWXQJDQVROYDELOLWDV
G 3LXWDQJ+DVLO,QYHVWDVL ¥
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ
3HPLVDKDQDQWDUDSLXWDQJNHSDGDSLKDNEHUHODVLGDQSLKDNNHWLJD
-XPODKSLXWDQJPHQXUXWMHQLVLQYHVWDVL
-XPODKSLXWDQJPHQXUXWPDWDXDQJGDQ
-XPODKSLXWDQJ\DQJGLSHUNHQDQNDQGDODPSHUKLWXQJDQVROYDELOLWDV
.KXVXV,QGXVWUL3HPELD\DDQ ¥
D 3LXWDQJ3HPELD\DDQ.RQVXPHQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
-XPODKSLXWDQJPHQXUXWGDQMHQLVRE\HNSHPELD\DDQ FRQWRKNHQGDUDDQ
EHUPRWRUHOHNWURQLNUXPDKGDQODLQODLQ
5LQFLDQXPXUGDULDQJVXUDQSHPEL\DDQNRQVXPHQ
%DJLDQSLQMDPDQ\DQJGLELD\DLEDQNEDQNVHKXEXQJDQGHQJDQWUDQVDNVLNHUMD
VDPDSHPELD\DDQEHUVDPDSHQXQMXNDQVHODNXSHQJHORODSLXWDQJSHQHUXVDQ
SLQMDPDQGDQSHQJDPELODOLKDQSLXWDQJDSDELODSHUXVDKDDQPHPEDJLULVLNRWLGDN
WHUWDJLKQ\DSLXWDQJWHUVHEXWGHQJDQEDQNEDQNGDODPUDQJNDWUDQVDNVLGLDWDV
3HQGDSDWDQSHPELD\DDQNRQVXPHQ\DQJEHOXPGLDNXL
1LODLGDQMHQLVMDPLQDQ\DQJGLVHUDKNDQROHKSHODQJJDQDWDVSLXWDQJ
SHPELD\DDQNRQVXPHQ\DQJGLEHULNDQEHUGDVDUNDQREMHNSHPELD\DDQ
7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQGDQ
3LXWDQJSHPELD\DDQNRQVXPHQ\DQJGLDOLKNDQGDQDWDXGLJXQDNDQVHEDJDL
MDPLQDQDWDVXWDQJ
E 7DJLKDQ$QMDN3LXWDQJ ¥
Page 24
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
-XPODKWDJLKDQDQMDNSLXWDQJWDQSDUHFRXUVHGDQGHQJDQUHFRXUVHEHVHUWD
MXPODKXWDQJUHWHQVLDQMDNSLXWDQJGDQSHQGDSDWDQDQMDNSLXWDQJ WDQSD
UHFRXUVH VHUWDSHQGDSDWDQDQMDNSLXWDQJWDQJJXKDQ GHQJDQUHFRXUVH GDQ
3HQJXQJNDSDQPHQJHQDLWLQJNDWEXQJDMDWXKWHPSRGDQMXPODKSLXWDQJ\DQJ
GLSHUROHKVHUWDLNDWDQSHQWLQJ\DQJGLDWXUGDODPSHUMDQMLDQDQMDNSLXWDQJ
F 3LXWDQJ6HZD3HPELD\DDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQMXPODKEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
UHNRQVLOLDVLDQWDUDLQYHVWDVLVHZDEUXWRGDQQLODLNLQLSLXWDQJSHPED\DUDQVHZD
PLQLPXPSDGDDNKLUSHULRGHSHODSRUDQ'LVDPSLQJLWXOHVVRUPHQJXQJNDSNDQ
LQYHVWDVLVHZDEUXWRGDQQLODLNLQLSLXWDQJSHPED\DUDQVHZDPLQLPXPSDGDDNKLU
SHULRGHSHODSRUDQXQWXNVHWLDSSHULRGHEHULNXW
D NXUDQJGDULVDWXWDKXQ
E OHELKGDULVDWXWDKXQVDPSDLOLPDWDKXQ ¥
F OHELKGDULOLPDWDKXQ
SHQGDSDWDQNHXDQJDQ\DQJEHOXPGLWHULPD
QLODLUHVLGX\DQJWLGDNGLMDPLQ\DQJGLDNUXVHEDJDLPDQIDDWOHVVRU
DNXPXODVLSHQ\LVLKDQSLXWDQJWLGDNWHUWDJLKDWDVSHPED\DUDQVHZDPLQLPXP
UHQWDONRQWLQMHQ\DQJGLDNXLVHEDJDLSHQGDSDWDQGDODPSHULRGHGDQ
SHQMHODVDQXPXPLVLSHUMDQMLDQVHZDOHVVRU\DQJPDWHULDO
G 3LXWDQJ6HZD2SHUDVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
MXPODKDJUHJDWSHPED\DUDQVHZDPLQLPXPPDVDGHSDQGDODPVHZDRSHUDVL
\DQJWLGDNGDSDWGLEDWDONDQXQWXNVHWLDSSHULRGHEHULNXW
D NXUDQJGDULVDWXWDKXQ
E OHELKGDULVDWXWDKXQVDPSDLOLPDWDKXQ ¥
F OHELKGDULOLPDWDKXQ
WRWDOUHQWDONRQWLQMHQ\DQJGLDNXLVHEDJDLSHQGDSDWDQSDGDSHULRGHGDQ
SHQMHODVDQXPXPLVLSHUMDQMLDQVHZDOHVVRU
Page 25
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
.KXVXV.RQWUDN.RQVWUXNVL
3LXWDQJ5HWHQVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
D -XPODKSLXWDQJGDULPDVLQJPDVLQJNRQWUDNNRQVWUXNVLGDQ
E 3HQGDSDWPDQDMHPHQDNDQNHPXQJNLQDQWHUWDJLKQ\DSLXWDQJUHWHQVL
7DJLKDQ%UXWRNHSDGD3HODQJJDQ ¥
<DQJKDUXVGLXQJNDSNDQGDODPSRVLQLDQWDUDODLQWDJLKDQEUXWRGDULVHWLDSNRQWUDN
NRQVWUXNVL
'DODPSHQMHODVDQWDJLKDQWHUVHEXWMXJDKDUXVGLULQFLGDODPEHQWXNWDEHO\DLWX
D ELD\DNRQWUDN\DQJWHUMDGL
E ODED\DQJGLDNXL
F NHUXJLDQ\DQJWHUMDGLGDQ
G SHNHUMDDQ\DQJVXGDKGLWDJLK WHUPLQ
3LXWDQJ5HYHUVH5HSR ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 5LQFLDQPHQJHQDLMHQLVGDQMXPODK(IHN\DQJGLWUDQVDNVLNDQ
E 7DQJJDOGDQKDUJDGLODNXNDQQ\DSHPEHOLDQGDQSHQMXDODQNHPEDOL(IHN
F 1DPDSLKDNFRXQWHUSDUW\
G /RNDVL(IHNMDPLQDQ
H 7LQJNDWEXQJDSLXWDQJUHYHUVHUHSR
I &DGDQJDQNHUXJLDQSHQXUXQDQQLODL MLNDDGD GDQ
J 0XWDVLFDGDQJDQNHUXJLDQSHQXUXQDQQLODL MLNDDGD
$JXQDQ<DQJ'LDPELO$OLK ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 1LODLUHDOLVDVLEHUVLKSDGDVDDWGLDPELODOLK
E 6HOLVLKDQWDUDQLODLUHDOLVDVLEHUVLKDWDVDJXQDQ\DQJGLDPELODOLKGHQJDQVDOGRSLXWDQJ
\DQJWLGDNWHUWDJLKGDQ
Page 26
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F /DEDDWDXUXJL\DQJWLPEXOWHUPDVXNELD\DELD\D\DQJWLPEXOVHWHODKSHQJDPELODOLKDQ
DJXQDQWHUVHEXW
3LXWDQJ'LYLGHQGDQ%XQJD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMHQLVGDQMXPODKWDJLKDQGLYLGHQEXQJDGDQ ¥
GHQGDNHSDGDSLKDNODLQ
3LXWDQJ/DLQ/DLQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
¥ +DODPDQ
D 5LQFLDQMHQLVGDQMXPODKSLXWDQJ
E -XPODK&DGDQJDQ.HUXJLDQ3HQXUXQDQ1LODL &.31 GDQ ¥
F 3HQGDSDWPDQDMHPHQDWDVNHFXNXSDQMXPODKSHQ\LVLKDQ ¥
$VHW.HXDQJDQ/DLQQ\D
3HQJXQJNDSDQLQLWHODKGLWHUDSNDQXQWXNDVHWNHXDQJDQODLQQ\D\DQJEHUVLIDWODQFDU
PDXSXQWLGDNODQFDU
D 3HQJHORPSRNNDQDVHWNHXDQJDQODLQQ\DVHVXDLNODVLILNDVL\DQJGLSLVDKNDQDQWDUDSLKDN ¥
NHWLJDGDQSLKDNEHUHODVL
E <DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
QLODLWHUFDWDWDVHWNHXDQJDQXQWXNVHWLDSNHORPSRNGDQULQFLDQLQYHVWDVLQ\D
ODEDDWDXUXJLQHWRSDGDVHWLDSNHORPSRNDVHWNHXDQJDQEHUGDVDUNDQNODVLILNDVL
EDLN\DQJGLVDMLNDQSDGDSRVSHQGDSDWDQNRPSUHKHQVLIODLQQ\DPDXSXQ\DQJ
GLDNXLVHEDJDLODEDDWDXUXJLSHULRGHEHUMDODQ
WRWDOSHQGDSDWDQEXQJD\DQJGLKLWXQJPHQJJXQDNDQPHWRGHVXNXEXQJDHIHNWLI ¥
XQWXNDVHWNHXDQJDQVHODLQ\DQJGLXNXUSDGDQLODLZDMDUPHODOXLODEDUXJL
ELD\DSHUROHKDQWHUPDVXNMXPODKSUHPLXPGDQGLVNRQWR\DQJEHOXPGLDPRUWLVDVL
XQWXN(IHNGLPLOLNLKLQJJDMDWXKWHPSR
SHULQJNDW(IHNXWDQJEHULNXWQDPDSHPHULQJNDW MLNDDGD
XUDLDQWHQWDQJDODVDQGLDPELOQ\DNHSXWXVDQPHQMXDOXQWXNDVHWNHXDQJDQ\DQJ
GLNODVLILNDVLNDQGLPLOLNLKLQJJDMDWXKWHPSR
MLNDWHUGDSDWUHNODVLILNDVLDVHWNHXDQJDQPDNDZDMLEGLXQJNDSNDQ ¥
D MXPODK\DQJGLUHNODVLILNDVLNHGDQGDULVHWLDSNDWHJRUL
E DODVDQUHNODVLILNDVLGDQ
F VLVDLQYHVWDVLGDODPNHORPSRNGLPLOLNLKLQJJDMDWXKWHPSR\DQJWHODK
Page 27
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
GLUHNODVLILNDVLGDODPNHORPSRNWHUVHGLDXQWXNGLMXDO
MXPODKWHUFDWDWDVHWNHXDQJDQ\DQJGLMDPLQNDQVHEDJDLDJXQDQXQWXN/LDELOLWDV ¥
DWDXOLDELOLWDVNRQWLQMHQVLVHUWDV\DUDWGDQNRQGLVL\DQJWHUNDLWGHQJDQSHQMDPLQDQ
WHUVHEXW
MXPODKSHQXUXQDQQLODLDWDVDVHWNHXDQJDQ MLNDDGD WHUPDVXNPXWDVLQ\D ¥
GLSLVDKNDQDQWDUDDVHWNHXDQJDQ\DQJPHQJDODPLSHQXUXQDQQLODLGDQDVHW
NHXDQJDQ\DQJWLGDNPHQJDODPLSHQXUXQDQQLODLVHUWDGLSLVDKNDQDQWDUD
SHQXUXQDQQLODL\DQJGLKLWXQJVHFDUDNROHNWLIGDQLQGLYLGXDOWHUPDVXNEHEDQ
SHQXUXQDQQLODL\DQJGLDNXLGDODPODEDUXJLGDQ
MXPODKDPRUWLVDVLNHXQWXQJDQ NHUXJLDQ \DQJEHOXPGLUHDOLVDVLDWDVLQYHVWDVL ¥
\DQJWHUVHGLDXQWXNGLMXDO\DQJGLUHNODVLILNDVLPHQMDGLGLPLOLNLKLQJJDMDWXK
WHPSR
.KXVXV'HSRVLWR
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ
D QDPD EDQN GLSLVDKNDQDQWDUDSLKDNNHWLJDGDQSLKDNEHUHODVL
E NLVDUDQVXNXEXQJDNRQWUDNWXDOVHODPDSHULRGHSHODSRUDQ ¥
F MHQLVGDQMXPODKGHSRVLWRGDODPPDWDXDQJDVLQJGDQ
G KDOKDOODLQ\DQJGDSDWPHPSHQJDUXKL NXDOLWDVSHQFDLUDQGHSRVLWRWHUVHEXW
.KXVXV ,QYHVWDVLSDGD 6XNXN
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ
D ULQFLDQ6XNXNEHUGDVDUNDQQDPDSHQHUELWGDQDNDGV\DULDK
E WXMXDQPRGHOXVDKD\DQJGLJXQDNDQ ¥
F MXPODKLQYHVWDVL\DQJGLUHNODVLILNDVLNDQMLNDDGDGDQSHQ\HEDEQ\DGDQ
G 1LODL:DMDUXQWXNLQYHVWDVL\DQJGLXNXUSDGDELD\DSHUROHKDQ
.KXVXV2EOLJDVL5HNDSLWDOLVDVL3HPHULQWDK
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ
D 5LQFLDQMXPODKQRPLQDOGDQQLODLSDVDUHIHNEHUGDVDUNDQMHQLV
E 7DQJJDOMDWXKWHPSRGDQIUHNXHQVLSHPED\DUDQEXQJD ¥
F 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQGDQ
G ,QIRUPDVLSHQWLQJODLQQ\D
.KXVXV8QLW3HQ\HUWDDQ5HNVDGDQD
Page 28
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQ
D 5LQFLDQXQLWSHQ\HUWDDQUHNVDGDQDGDQ1LODL$VHW%HUVLKGDQ
E ODEDDWDXUXJLQHWREHUGDVDUNDQNODVLILNDVLEDLN\DQJGLVDMLNDQSDGDSRVSHQGDSDWDQ ¥
NRPSUHKHQVLIODLQQ\DPDXSXQ\DQJGLDNXLVHEDJDLODEDDWDXUXJLSHULRGHEHUMDODQ
.KXVXV:HVHO7DJLK ¥
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDQWDUDODLQSLKDNSHQHUELWNLVDUDQWLQJNDWEXQJD
MDWXKWHPSRMHQLVPDWDXDQJGDQXUDLDQWHQWDQJVLIDWGDQDVDOWHUMDGLQ\D GDULWUDQVDNVL
XVDKDDWDXODLQQ\D
.KXVXV,QGXVWUL$VXUDQVL ¥
7DPEDKDQSHQJXQJNDSDQPHQJHQDLDVHWDVHW\DQJPHQMDGLGDQDMDPLQDQ
3LQMDPDQ3ROLV
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQEHUGDVDUNDQ
D 6DOGRSLQMDPDQSROLVPHQXUXWMHQLVPDWDXDQJ ¥
E 7LQJNDWVXNXEXQJD
.KXVXV,QGXVWUL3HUEDQNDQ
.UHGLW
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 5LQFLDQMXPODKNUHGLWEHUGDVDUNDQMHQLVPDWDXDQJVHNWRUHNRQRPLGDQMDQJND ¥
ZDNWXVHUWDNROHNWLELOLWDV
E -XPODK FDGDQJDQNHUXJLDQ SHQXUXQDQQLODL GDQ PXWDVL VHODPDSHULRGHEHUMDODQ
F 5LQFLDQMXPODKNUHGLWEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
G 5DVLRNUHGLWXVDKDNHFLOWHUKDGDSMXPODKNUHGLW\DQJGLEHULNDQ
7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ
H
I 5LQFLDQNUHGLWEHUPDVDODKEHUGDVDUNDQVHNWRUGDQMXPODKFDGDQJDQSHQJKDSXVDQ ¥
PHQXUXWNHWHQWXDQ%DQN,QGRQHVLD
J 5DVLRNUHGLWEHUPDVDODKWHUKDGDSMXPODK$VHWNHXDQJDQGDQUDVLRMXPODK
FDGDQJDQNHUXJLDQ SHQXUXQDQQLODL$VHWNHXDQJDQ\DQJWHODKGLEHQWXNWHUKDGDS
MXPODKPLQLPXPFDGDQJDQNHUXJLDQSHQXUXQDQQLODL$VHWNHXDQJDQVHVXDL
NHWHQWXDQ%DQN,QGRQHVLD
K -XPODKNUHGLW\DQJGLUHVWUXNWXULVDVLEHUGDVDUNDQMHQLVGDQNROHNWLELOLWDV
L -XPODKGDQSHUVHQWDVHEDJLDQEDQNDWDVNUHGLWVLQGLNDVLEDLNVHODNXSLPSLQDQ
Page 29
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
DJHQDWDXDQJJRWDVLQGLNDVL
M ,NKWLVDUSHPEHOLDQNUHGLWGDUL%331EHUGDVDUNDQSHULRGHSHPEHOLDQMLNDDGD ¥
N 3HQGDSDWPDQDMHPHQDNDQNHWDDWDQEDQNWHUKDGDS%DWDV0DNVLPXP3HPEHULDQ
.UHGLW %03. \DQJGLWHWDSNDQROHK%DQN,QGRQHVLD
O 3HQGDSDWPDQDMHPHQDNDQNHFXNXSDQMXPODKFDGDQJDQNHUXJLDQSHQXUXQDQQLODL
7DJLKDQGDQ/LDELOLWDV$NVHSWDVL ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 5LQFLDQMXPODKWDJLKDQGDQOLDELOLWDVEHUGDVDUNDQSLKDNPDWDXDQJGDQMDWXKWHPSR
E 8QWXNWDJLKDQDNVHSWDVLGLXQJNDSNDQNROHNWLELOLWDVMXPODKFDGDQJDQSHQJKDSXVDQ
GDQPXWDVLVHODPDSHULRGHEHUMDODQ
F 5LQFLDQMXPODKWDJLKDQGDQOLDELOLWDVEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
G 3HQGDSDWPDQDMHPHQDNDQNHFXNXSDQMXPODKFDGDQJDQNHUXJLDQSHQXUXQDQQLODL
WDJLKDQDNVHSWDVL
3HUVHGLDDQ
D <DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
WRWDOMXPODKWHUFDWDWSHUVHGLDDQGDQMXPODKQLODLWHUFDWDWPHQXUXWNODVLILNDVL ¥
\DQJVHVXDLEDJL3HUXVDKDDQ
MXPODKWHUFDWDWSHUVHGLDDQ\DQJGLFDWDWGHQJDQ 1LODL:DMDUGLNXUDQJLELD\D ¥
XQWXNPHQMXDO
MXPODKSHUVHGLDDQ\DQJGLDNXLVHEDJDLEHEDQVHODPDSHULRGHEHUMDODQ ¥
MXPODKVHWLDSSHQXUXQDQQLODL\DQJGLDNXLVHEDJDLSHQJXUDQJMXPODKSHUVHGLDDQ ¥
\DQJGLDNXLVHEDJDLEHEDQGDODPSHULRGHEHUMDODQ
MXPODKGDULVHWLDSSHPXOLKDQGDULVHWLDSSHQXUXQDQQLODL\DQJGLDNXLVHEDJDL ¥
SHQJXUDQJMXPODKSHUVHGLDDQ\DQJGLDNXLVHEDJDLEHEDQGDODPSHULRGH
EHUMDODQ
NRQGLVLDWDXSHULVWLZDSHQ\HEDEWHUMDGLQ\DSHPXOLKDQQLODLSHUVHGLDDQ\DQJ ¥
GLWXUXQNDQ
GDODPKDO WHUGDSDWNDSLWDOLVDVLELD\DSLQMDPDQXQWXNSHUVHGLDDQ\DQJ ¥
PHPHQXKLNULWHULDDVHWNXDOLILNDVLDQPDNDGLXQJNDSNDQ
L MXPODKELD\DSLQMDPDQ\DQJGLNDSLWDOLVDVLVHODPDSHULRGHEHUMDODQGDQ
LL WDULINDSLWDOLVDVL\DQJGLJXQDNDQXQWXNPHQHQWXNDQMXPODKELD\DSLQMDPDQ
\DQJOD\DNGLNDSLWDOLVDVL
Page 30
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SHUVHGLDDQ\DQJGLMDPLQNDQQDPDSLKDN\DQJPHQHULPDMDPLQDQGDQDODVDQ ¥
GLMDPLQNDQGDQ
MHQLVGDQQLODLSHUVHGLDDQ\DQJGLDVXUDQVLNDQQLODLSHUWDQJJXQJDQDVXUDQVLGDQ ¥
ULVLNR\DQJGLWXWXSVHUWDSHQGDSDWPDQDMHPHQDWDVNHFXNXSDQSHUWDQJJXQJDQ
DVXUDQVLDSDELODWLGDNGLDVXUDQVLNDQZDMLEGLXQJNDSNDQDODVDQQ\D
E .KXVXV,QGXVWUL3HUKRWHODQ
7DPEDKDQSHQJXQJNDSDQQLODLWHUFDWDWSHUVHGLDDQPHQXUXWNODVLILNDVL\DQJKDUXV
GLXQJNDSNDQDQWDUDODLQ
0DNDQDQGDQPLQXPDQ
3HUOHQJNDSDQGDQ ¥
%DUDQJ'DJDQJDQ
F .KXVXV,QGXVWUL5HDO(VWDW ¥
7DPEDKDQSHQJXQJNDSDQDQWDUDODLQ
3HQJXQJNDSDQQLODLWHUFDWDWSHUVHGLDDQPHQXUXWNODVLILNDVL
D 7DQDK0DWDQJ
E 8QLW%DQJXQDQGDQ
F 8QLW%DQJXQDQGDODP3HQ\HOHVDLDQ
-XPODKELD\DSHUROHKDQDVHW5HDO(VWDW\DQJSHQJLNDWDQMXDOEHOLQ\DWHODK
EHUODNXQDPXQSHQMXDODQQ\DEHOXPGLDNXLWHUPDVXNMXPODKXWDQJWHUNDLW\DQJ
DNDQGLDOLKNDQELODDGD
G 7DQDKXQWXN3HQJHPEDQJDQ ¥
7DPEDKDQSHQJXQJNDSDQDQWDUDODLQ
/RNDVLOXDVWDQDKSURVHVSHUL]LQDQ
-XPODKELD\DEXQJDGDQUXJLNXUV\DQJGLNDSLWDOLVDVLNHWDQDKXQWXN
SHQJHPEDQJDQGDQ
3URSRUVLWDQDK\DQJGLMDGLNDQMDPLQDQXWDQJ
H .KXVXV,QGXVWUL0HGLD ¥
7DPEDKDQSHQJXQJNDSDQDQWDUDODLQ
0DWHULSURJUDPORNDOLPSRU PHGLDWHOHYLVL
Page 31
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
%XNXNHUWDVNRUDQEDUDQJSUDFHWDN PHGLDFHWDN
%DUDQJSURPRVLGDQEDUWHU PHGLDFHWDN GDQ
%DKDQSHUVHGLDDQODLQ\DQJVHVXDLGHQJDQLQGXVWULQ\D
I .KXVXV,QGXVWUL5XPDK6DNLW ¥
7DPEDKDQSHQJXQJNDSDQDQWDUDODLQ
2EDWREDWDQ
3HUOHQJNDSDQPHGLV GLVSRVDEOH GDQ
3HUVHGLDDQODLQQ\D
J .KXVXV,QGXVWUL3HWHUQDNDQ ¥
3HQJXQJNDSDQMXPODKWHUFDWDWGDQQLODLWHUFDWDWPHQXUXWNODVLILNDVLWHUWHQWX
VHSHUWLKHZDQWHUQDNPHQMDGL
D +HZDQ7HUQDN7HUVHGLDXQWXN'LMXDOGDQ
E +HZDQ7HUQDNGDODP3HUWXPEXKDQ
+HZDQ7HUQDN3URGXNVL%HUXPXU3HQGHN ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 7RWDOMXPODKWHUFDWDWGDQQLODLWHUFDWDWPHQXUXWNODVLILNDVLKHZDQWHUQDN
WHODKPHQJKDVLONDQGDQKHZDQWHUQDNEHOXPPHQJKDVLONDQ
E 5HNRQVLOLDVLVDOGRDZDOGDQDNKLUKHZDQWHUQDNWLDSNHORPSRNVHODPDSDOLQJ
WLGDNWDKXQWHUDNKLU
F 1LODLDPRUWLVDVL GHSOHVL DWDVKHZDQWHUQDNWHODKPHQJKDVLONDQ
G 3HQGDSDWPDQDMHPHQDWDVNHFXNXSDQMXPODKSHQ\LVLKDQDWDXSHQJKDSXVDQ ¥
SHUVHGLDDQ\DQJPDWLDWDXKLODQJ
H 1LODLKHZDQWHUQDN\DQJGLDVXUDQVLNDQQLODLSHUWDQJJXQJDQDVXUDQVLGDQ
ULVLNR\DQJGLWXWXS
I -LNDWDNDGDDVXUDQVLXQWXNZDEDKSHQ\DNLWSHUOXGLEXDWFDGDQJDQNHPDWLDQ
DWDXPHWRGHSHQJKDSXVDQODQJVXQJ
J 3HQGDSDWPDQDMHPHQDWDVNHFXNXSDQQLODLSHUWDQJJXQJDQDVXUDQVLGDQ
K 1LODLKHZDQWHUQDN\DQJGLMDPLQNDQGDQQDPDSLKDN\DQJPHQHULPD
Page 32
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
MDPLQDQ
3DMDN'LED\DU'LPXND
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
¥ +DODPDQ
D ULQFLDQPHQXUXW MHQLVGDQMXPODKPDVLQJPDVLQJSDMDNQ\DGDQ
E XUDLDQPHQJHQDLMXPODKUHVWLWXVLSDMDN\DQJGLDMXNDQGDQVWDWXVQ\D ¥
%LD\D'LED\DU'LPXND
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQPHQXUXWMHQLVGDQMXPODK ¥
$VHWWLGDNODQFDUDWDXNHORPSRNOHSDVDQ\DQJ'LPLOLNLXQWXN'LMXDO
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
XUDLDQGDULDVHW\DQJGLPLOLNLXQWXNGLMXDODWDXNHORPSRNOHSDVDQ
XUDLDQIDNWDGDQNHDGDDQGDULSHQMXDODQDWDX\DQJPHQJDUDKNHSDGDSHOHSDVDQ
\DQJGLKDUDSNDQVHUWDFDUDGDQZDNWXSHOHSDVDQ
NHUXJLDQSHQXUXQDQQLODLDWDXNHXQWXQJDQSHPXOLKDQSHQXUXQDQQLODL
GDODPKDODVHW\DQJGLPLOLNLXQWXNGLMXDOEHOXPGDSDWGLUHDOLVDVLNDQGDODPVDWX
WDKXQGLXQJNDSNDQSHULVWLZDDWDXNHDGDDQ\DQJGDSDWPHPSHUSDQMDQJSHULRGH
SHQ\HOHVDLDQSHQMXDODQPHQMDGLOHELKGDULVDWXWDKXQ
GDODPKDOGDSDWGLWHUDSNDQVHJPHQ\DQJGLODSRUNDQGDULDVHW\DQJGLPLOLNLXQWXN
GLMXDOGDQNHORPSRNOHSDVDQGLVDMLNDQVHVXDLGHQJDQ6$.\DQJEHUODNXGDQ ¥
GDODPKDODVHW\DQJGLNODVLILNDVLNDQVHEDJDLDVHW\DQJGLPLOLNLXQWXNGLMXDODWDX
NHORPSRNOHSDVDQGLKHQWLNDQSHQJNODVLILNDVLDQQ\DGLXQJNDSNDQ
D QLODLGDULDVHWWHUVHEXW\DLWXQLODL\DQJOHELKUHQGDKDQWDUD
L MXPODKWHUFDWDWDVHWWHUVHEXWVHEHOXPDVHWDWDXNHORPSRNOHSDVDQ
GLNODVLILNDVLNDQVHEDJDLGLPLOLNLXQWXNGLMXDOGLVHVXDLNDQGHQJDQ
SHQ\XVXWDQDPRUWLVDVLDWDXSHQLODLDQNHPEDOL\DQJWHODKGLDNXLDSDELODDVHW
DWDXNHORPSRNOHSDVDQWHUVHEXWWLGDNGLNODVLILNDVLNDQVHEDJDLGLPLOLNLXQWXN
GLMXDOGDQ
LL MXPODKWHUSXOLKNDQSDGDVDDWWDQJJDONHSXWXVDQXQWXNWLGDNPHQMXDO
E XUDLDQIDNWDGDQNHDGDDQ\DQJPHQJDUDKNHSDGDNHSXWXVDQWHUVHEXWGDQ
F GDPSDNQ\DWHUKDGDSKDVLORSHUDVLXQWXNSHULRGHWHUVHEXWGDQSHULRGHVDMLDQ
VHEHOXPQ\D
3LXWDQJ3LKDN%HUHODVL1RQ8VDKD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D ULQFLDQMHQLVQDPDSLKDNEHUHODVLGDQMXPODKSLXWDQJ ¥ +DODPDQ
E DODVDQGDQGDVDUSHPEHQWXNDQFDGDQJDQNHUXJLDQSHQXUXQDQQLODLVHUWDSHQMHODVDQ ¥
WHUMDGLQ\DSLXWDQJSLKDNEHUHODVLWHUVHEXW
Page 33
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F MXPODKFDGDQJDQNHUXJLDQSHQXUXQDQQLODLEHEDQFDGDQJDQNHUXJLDQSHQXUXQDQQLODL ¥
VHFDUDLQGLYLGXDOGDQNROHNWLIGDQSHQJKDSXVDQSLXWDQJ
G SHQGDSDWPDQDMHPHQDNDQNHFXNXSDQMXPODKFDGDQJDQNHUXJLDQSHQXUXQDQQLODL
GDQ ¥
H GDODPKDOSLXWDQJEHUHODVLQRQXVDKDGLVDMLNDQGDODPDVHWODQFDUKDOWHUVHEXWKDUXV ¥
GLEXNWLNDQVHUWDGLXQJNDSNDQDODVDQQ\D
,QYHVWDVLSDGD(QWLWDV$VRVLDVL
<DQJKDUXVGLXQJNDSNDQ DQWDUDODLQ ¥
D QDPDHQWLWDVDVRVLDVL
E SHUVHQWDVHNHSHPLOLNDQGDQSHQMHODVDQDGDQ\DSHQJDUXKVLJQLILNDQEHVHUWDDODVDQQ\D ¥
F QLODLWHUFDWDWGDQ 1LODL :DMDULQYHVWDVLGDODPHQWLWDVDVRVLDVL\DQJNXRWDVLKDUJDQ\D
¥
WHUVHGLD
G ULQJNDVDQLQIRUPDVLNHXDQJDQHQWLWDVDVRVLDVL WHUPDVXNMXPODKDJUHJDW$VHW ¥
/LDELOLWDVSHQGDSDWDQGDQODEDDWDXUXJL
H DODVDQWLGDNDGDQ\DSHQJDUXKVLJQLILNDQZDODXSXQ3HUXVDKDDQPHPLOLNLOHELKGDUL
GXDSXOXKSHUVHUDWXV KDNVXDUDDWDXKDNVXDUDSRWHQVLDOLQYHVWHHVHFDUDODQJVXQJ ¥
DWDXWLGDNODQJVXQJ
I DNKLUSHULRGHSHODSRUDQGDULODSRUDQNHXDQJDQHQWLWDVDVRVLDVLNHWLNDODSRUDQ
¥
NHXDQJDQWHUVHEXWGLJXQDNDQGDODPPHQHUDSNDQPHWRGHHNXLWDVGDQWDQJJDODWDX
SHULRGH\DQJEHUEHGDGHQJDQ3HUXVDKDDQGDQDODVDQPHQJJXQDNDQWDQJJDODWDX
SHULRGH\DQJEHUEHGD
J VLIDWGDQWLQJNDWDQVHWLDSSHPEDWDVDQVLJQLILNDQDWDVNHPDPSXDQHQWLWDVDVRVLDVL ¥
XQWXNPHQWUDQVIHUGDQDNHSDGD3HUXVDKDDQ
K EDJLDQUXJLHQWLWDVDVRVLDVL\DQJWLGDNGLDNXLGDQDODVDQQ\DDSDELOD3HUXVDKDDQ
PHQJKHQWLNDQSHQJDNXDQEDJLDQQ\DDWDVUXJLHQWLWDVDVRVLDVL EDLNXQWXNSHULRGH ¥
WHUMDGLQ\DNHUXJLDQWHUVHEXWPDXSXQVHFDUDNXPXODWLI
L EDJLDQDWDVOLDELOLWDVNRQWLQMHQVLHQWLWDVDVRVLDVL\DQJWHUMDGLEHUVDPDVDPDGHQJDQ
LQYHVWRUODLQ ¥
M OLDELOLWDVNRQWLQMHQVL\DQJWHUMDGLNDUHQDLQYHVWRUEHUNHZDMLEDQEHUVDPDVDPDXQWXN
VHPXDDWDXVHEDJLDQ/LDELOLWDVHQWLWDVDVRVLDVLGDQ ¥
N ULQJNDVDQLQIRUPDVLNHXDQJDQHQWLWDVDVRVLDVLVHFDUDLQGLYLGXDODWDXGDODP
NHORPSRN\DQJ WLGDNGLFDWDWGHQJDQPHQJJXQDNDQPHWRGHHNXLWDVWHUPDVXNWRWDO
$VHWWRWDO/LDELOLWDV3HQGDSDWDQGDQODEDDWDXUXJL ¥
.KXVXV,QGXVWUL.RQVWUXNVL
-DPLQDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMDPLQDQ\DQJGLEHULNDQGDQMXPODKMDPLQDQ
WHUVHEXWVHUWDNRQWUDNNRQVWUXNVL\DQJPHQV\DUDWNDQDGDQ\DMDPLQDQWHUVHEXW ¥
Page 34
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
.KXVXV,QGXVWUL.HKXWDQDQ
+7,GDQ+7,GDODPSHQJHPEDQJDQ
%HUXSDELD\D\DQJGLWDQJJXKNDQGDODPSHODNVDQDDQSHPEDQJXQDQ+7,\DQJGLVDMLNDQ
VHEDJDLEHULNXW
D 6DOGRDZDO
E 3HQ\LVLKDQSHULRGHEHUMDODQ ¥
F 5HDOLVDVL\DQJGLODNXNDQVHODPDSHULRGHEHUMDODQGDQ
G 6DOGRDNKLU
.KXVXV,QGXVWUL-DODQ7RO
+DN%DJL+DVLO7RO
,QYHVWRUWDQSDNXDVDKDNSHQ\HOHQJJDUDDQKDUXVPHQJXQJNDSNDQKDOKDOEHULNXW
D 'DVDUSHQJXNXUDQKDNEDJLKDVLOWRO ¥
E 0DVDKDNEDJLKDVLOWROGDQDPRUWLVDVLQ\D
F 3HUXEDKDQKDNEDJLKDVLOWROVHODPDSHULRGHEHUMDODQGDQ
G 5HNODVLILNDVLSUR\HNNHUMDVDPDRSHUDVLGDODPSHODNVDQDDQNHKDNEDJLKDVLOWRO
.KXVXV,QGXVWUL3HUNHEXQDQ
7DQDPDQ3HUNHEXQDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 8QWXNWDQDPDQWHODKPHQJKDVLONDQ
5LQFLDQQLODLWHUFDWDWGDQDNXPXODVLSHQ\XVXWDQPHQXUXWMHQLVWDQDPDQ
5HNRQVLOLDVLQLODLWHUFDWDWDZDOWDKXQGDQDNKLUWDKXQWDQDPDQXQWXNVHWLDS
NHORPSRNVHODPDSDOLQJVHGLNLWWDKXQWHUDNKLU
6WDWXVWDQDK\DQJGLJXQDNDQXQWXNPHQDQDP
1LODLWDQDPDQWHODKPHQJKDVLONDQEHUGDVDUNDQDUHDORNDVLSHQDQDPDQ ¥
3HUEDQGLQJDQVDOGRWDQDPDQEHOXPPHQJKDVLONDQVHODPDSDOLQJVHGLNLWWDKXQ
GDQ
7DQDPDQ\DQJGLMDPLQNDQ
E 8QWXNWDQDPDQEHOXPPHQJKDVLONDQ
0XWDVLWDQDPDQEHOXPPHQJKDVLONDQVHEDJDLEHULNXW
D 6DOGRDZDO
L 7DPEDKDQWDKXQEHUMDODQ
LL %LD\DODQJVXQJ
E -XPODKNDSLWDOLVDVLELD\DSLQMDPDQGDQUXJLNXUVGDODPKDOWHUMDGLGHSUHVLDVL
OXDUELDVD
Page 35
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
L 3HQJXUDQJDQWDKXQEHUMDODQ ¥
LL -XPODK\DQJGLUHNODVLILNDVLNHWDQDPDQWHODKPHQJKDVLONDQ
F 3HQJXUDQJDQODLQQ\D
G 6DOGRDNKLU
1LODLWDQDPDQGDODP3HUNHEXQDQ,QWL5DN\DW3HUNHEXQDQ,QWL3ODVPD\DQJ
PHQMDGLPLOLNSHUXVDKDDQ LQWL GDQWDQDPDQ\DQJEXNDQPLOLNSHUXVDKDDQ
SHUNHEXQDQUDN\DWSHUNHEXQDQSODVPD GDQ
&DGDQJDQNHUXJLDQ\DQJPXQJNLQWLPEXOSDGDSODVPD
.KXVXV,QGXVWUL3HWHUQDNDQ
+HZDQ7HUQDN3URGXNVL±%HUXPXU3DQMDQJ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 3HQJHORPSRNDQKHZDQWHUQDNGDODPSHUWXPEXKDQ EHOXPPHQJKDVLONDQ GDQKHZDQ
WHUQDNWHODKPHQJKDVLONDQ
E 5HNRQVLOLDVLVDOGRDZDOGDQDNKLUKHZDQWHUQDNWLDSNHORPSRNVHODPDSDOLQJWLGDN
WDKXQWHUDNKLU
F 1LODLDPRUWLVDVL GHSOHVL DWDVKHZDQWHUQDNWHODKPHQJKDVLONDQ
G 1LODLKHZDQWHUQDNWLDSNHORPSRNEHUGDVDUNDQORNDVLDUHDSHWHUQDNDQ
H .RQGLVLKHZDQWHUQDN
¥
I 3HUVHQWDVHNHPDWLDQVHODPDWLJDWDKXQWHUDNKLU
J 1LODLKHZDQWHUQDN\DQJGLDVXUDQVLNDQQLODLSHUWDQJJXQJDQDVXUDQVLGDQULVLNR\DQJ
GLWXWXS
K -LNDWDNDGDDVXUDQVLXQWXNZDEDKSHQ\DNLWSHUOXGLEXDWFDGDQJDQNHPDWLDQDWDX
PHWRGHSHQJKDSXVDQODQJVXQJ
L 1LODLFDGDQJDQNHPDWLDQDWDXPHWRGHSHQJKDSXVDQODQJVXQJMLNDDGD
M 3HQGDSDWPDQDMHPHQDWDVNHFXNXSDQQLODLFDGDQJDQNHPDWLDQMLNDDGDGDQ
N 1LODLKHZDQWHUQDN\DQJGLMDPLQNDQGDQQDPDSLKDN\DQJPHQHULPDMDPLQDQ
3URSHUWL,QYHVWDVL
D <DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
PRGHOSHQJXNXUDQVHWHODKSHQJDNXDQDZDO\DQJGLJXQDNDQPRGHO1LODL:DMDU ¥
DWDXPRGHOELD\D
PHWRGHGDQDVXPVLVLJQLILNDQ\DQJGLWHUDSNDQGDODPPHQHQWXNDQ1LODL:DMDU
GDUL3URSHUWL,QYHVWDVL
SHUQ\DWDDQ EDKZD SHQHQWXDQ 1LODL :DMDUGLGXNXQJROHKEXNWLSDVDUDWDX
OHELKEDQ\DNEHUGDVDUNDQIDNWRUODLQNDUHQDVLIDWSURSHUWLWHUVHEXWGDQ
NHWHUEDWDVDQGDWDSDVDU\DQJGDSDWGLSHUEDQGLQJNDQ
QDPD3HQLODL WDQJJDO SHQLODLDQ GDQWDQJJDOODSRUDQSHQLODLDQWHUDNKLU
MXPODK\DQJGLDNXLGDODPODEDUXJLXQWXN
Page 36
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
D SHQJKDVLODQVHZDGDUL3URSHUWL,QYHVWDVL
E EHEDQRSHUDVLODQJVXQJ\DQJWHUMDGLEDLNGDUL3URSHUWL,QYHVWDVL\DQJ
PHQJKDVLONDQPDXSXQ\DQJWLGDNPHQJKDVLONDQSHQJKDVLODQVHZDVHODPD
SHULRGHWHUVHEXWGDQ
F SHUXEDKDQNXPXODWLIGDODP 1LODL:DMDU \DQJGLDNXLGDODPODEDUXJLDWDV
SHQMXDODQ3URSHUWL,QYHVWDVLGDULVHNHORPSRNDVHW\DQJPHQJJXQDNDQ
PRGHOELD\DNHNHORPSRNDVHW\DQJPHQJJXQDNDQPRGHO1LODL:DMDU
NHEHUDGDDQGDQMXPODKSHPEDWDVDQDWDVUHDOLVDVLGDUL3URSHUWL,QYHVWDVL DWDX ¥
SHPED\DUDQSHQJKDVLODQGDQKDVLOSHOHSDVDQGDQ
NHZDMLEDQNRQWUDNWXDOXQWXNPHPEHOLPHPEDQJXQDWDXPHQJHPEDQJNDQ
3URSHUWL,QYHVWDVL DWDXXQWXNSHUEDLNDQSHPHOLKDUDDQDWDXSHQLQJNDWDQ
E .KXVXVXQWXN3URSHUWL,QYHVWDVL\DQJPHQJJXQDNDQPRGHO1LODL:DMDUVHODLQ
SHQJXQJNDSDQVHEDJDLPDQDGLPDNVXGGDODPKXUXI D GLWDPEDKNDQSHQJXQJNDSDQ
DQWDUDODLQ
UHNRQVLOLDVLDQWDUDMXPODKWHUFDWDW3URSHUWL,QYHVWDVLSDGDDZDOGDQDNKLU
SHULRGHGHQJDQPHQXQMXNNDQSHQDPEDKDQSHQJXUDQJDQGDQUHNODVLILNDVL
VDDWVXDWXSHQLODLDQWHUKDGDS3URSHUWL,QYHVWDVLGLVHVXDLNDQVHFDUDVLJQLILNDQ
XQWXNWXMXDQSHODSRUDQNHXDQJDQPDND3HUXVDKDDQKDUXVPHQJXQJNDSNDQ
UHNRQVLOLDVLDQWDUDSHQLODLDQWHUVHEXWGDQSHQLODLDQ\DQJWHODKGLVHVXDLNDQ\DQJ
GLODSRUNDQGDODPODSRUDQNHXDQJDQGHQJDQPHQXQMXNNDQVHFDUDWHUSLVDK
D MXPODKDJUHJDWGDULSHQJDNXDQNHZDMLEDQVHZD\DQJWHODKGLWDPEDKNDQ
NHPEDOLGDQ
E SHQ\HVXDLDQVLJQLILNDQODLQ
F .KXVXVXQWXN3URSHUWL,QYHVWDVL\DQJPHQJJXQDNDQPRGHOELD\DVHODLQ
SHQJXQJNDSDQVHEDJDLPDQDGLPDNVXGGDODPKXUXID GLWDPEDKNDQSHQJXQJNDSDQ
DQWDUDODLQ
XPXUPDQIDDW
UHNRQVLOLDVLMXPODKWHUFDWDWEUXWRGDQDNXPXODVLSHQ\XVXWDQ3URSHUWL,QYHVWDVL
SDGDDZDOGDQDNKLUSHULRGHGHQJDQPHQXQMXNNDQSHQDPEDKDQSHQJXUDQJDQ
GDQUHNODVLILNDVL
MXPODKSHQ\XVXWDQXQWXNPDVLQJPDVLQJSHULRGHSHQ\DMLDQGDQDORNDVLEHEDQ
SHQ\XVXWDQ
MXPODKUXJLSHQXUXQDQQLODL\DQJGLDNXLGDQMXPODKSHPXOLKDQUXJLSHQXUXQDQ
QLODLVHODPDVDWXSHULRGHVHVXDL6$.\DQJEHUODNX
WUDQVIHUNHGDQGDULSHUVHGLDDQGDQSURSHUWL\DQJGLJXQDNDQVHQGLULGDQ
1LODL:DMDU3URSHUWL,QYHVWDVL
G .KXVXVXQWXN3URSHUWL,QYHVWDVLGDODPSURVHVSHPEDQJXQDQGDQSHQJHPEDQJDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
ULQFLDQ3URSHUWL,QYHVWDVLGDODPSURVHVSHPEDQJXQDQGDQSHQJHPEDQJDQ
SHUVHQWDVHMXPODKWHUFDWDWWHUKDGDSQLODLNRQWUDN
Page 37
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
HVWLPDVLVDDWSHQ\HOHVDLDQ
KDPEDWDQNHODQMXWDQSHQ\HOHVDLDQ
¥
MXPODKSHQJHOXDUDQ\DQJGLDNXLGDODPMXPODKWHUFDWDW3URSHUWL,QYHVWDVL
GDODPSURVHVSHPEDQJXQDQGDQSHQJHPEDQJDQGDQ
GDODPKDO WHUGDSDWNDSLWDOLVDVLELD\DSLQMDPDQXQWXNSURSHUWLLQYHVWDVL \DQJ
PHPHQXKLNULWHULDDVHWNXDOLILNDVLDQPDNDZDMLEGLXQJNDSNDQ
D MXPODKELD\DSLQMDPDQ\DQJGLNDSLWDOLVDVLVHODPDSHULRGHEHUMDODQGDQ
E WDULINDSLWDOLVDVL\DQJGLJXQDNDQXQWXNPHQHQWXNDQMXPODKELD\DSLQMDPDQ
\DQJOD\DNGLNDSLWDOLVDVL
$VHW7HWDS
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D VHWLDSNHORPSRN$VHW7HWDSZDMLEGLXQJNDSNDQVHFDUDWHUSLVDKEHUGDVDUNDQ ¥ +DODPDQ
NHSHPLOLNDQDVHW\DLWXDVHWSHPLOLNDQODQJVXQJGDQDWDXDVHWVHZDSHPELD\DDQ
E UHNRQVLOLDVLMXPODKWHUFDWDWEUXWRGDQDNXPXODVLSHQ\XVXWDQ$VHW7HWDSSDGDDZDO
GDQDNKLUSHULRGHGHQJDQPHQXQMXNNDQSHQDPEDKDQSHQJXUDQJDQGDQUHNODVLILNDVL ¥ +DODPDQ
F MXPODKSHQ\XVXWDQXQWXNPDVLQJPDVLQJSHULRGHSHQ\DMLDQGDQDORNDVLEHEDQ
¥
SHQ\XVXWDQ +DODPDQ
G UXJLSHQXUXQDQQLODLGDQ MXPODK \DQJGLMXUQDOEDOLN\DQJGLDNXLGDODPODEDUXJLGDQ ¥
HNXLWDV MLNDDGD
H MXPODKNRPLWPHQNRQWUDNWXDOGDODPSHUROHKDQ$VHW7HWDS
¥
I MXPODKNRPSHQVDVLGDULSLKDNNHWLJDXQWXN $VHW7HWDS\DQJPHQJDODPLSHQXUXQDQ
QLODLKLODQJDWDXGLKHQWLNDQ\DQJGLPDVXNNDQGDODPODEDUXJLDSDELODWLGDN
¥
GLXQJNDSNDQVHFDUDWHUSLVDKSDGDODSRUDQODEDUXJLNRPSUHKHQVLI
J 'DODPKDO$VHW7HWDS GLVDMLNDQSDGDMXPODKUHYDOXDVLDQ\DQJKDUXVGLXQJNDSNDQ
¥
WDQJJDOHIHNWLIUHYDOXDVL 7DQJJDO3HQLODLDQ
WDQJJDOHIHNWLISHUVHWXMXDQGDUL'LUHNWRUDW-HQGHUDO3DMDN '-3 DSDELOD$VHW7HWDS ¥
XQWXNSHUKLWXQJDQSDMDNPHQJJXQDNDQMXPODKUHYDOXDVLDQ
¥
QDPD3HQLODLGDQWDQJJDOODSRUDQSHQLODLDQWHUDNKLU
PHWRGHGDQDVXPVLVLJQLILNDQ\DQJGLJXQDNDQGDODPPHQJHVWLPDVL1LODL:DMDU ¥
DVHW ¥
MXPODKWHUFDWDWXQWXNVHWLDS$VHW7HWDSVHDQGDLQ\DDVHWWHUVHEXWGLFDWDWGHQJDQ
¥
PRGHOELD\DGDQ
VXUSOXVUHYDOXDVLDWDXUXJLSHQXUXQDQQLODL\DQJPHQXQMXNNDQSUXEDKDQVHODPD
¥
SHULRGHGDQSHPEDWDVDQSHPEDWDVDQGLVWULEXVLVDOGRVXUSOXVNHSDGDSDUD
SHPHJDQJVDKDP
K .KXVXVXQWXN$VHW7HWDSGDODPSURVHVSHPEDQJXQDQ\DQJKDUXVGLXQJNDSNDQDQWDUD
ODLQ ¥
ULQFLDQ$VHW7HWDS\DQJVHGDQJGDODPSHPEDQJXQDQ +DODPDQ
Page 38
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SHUVHQWDVHMXPODKWHUFDWDWWHUKDGDSQLODLNRQWUDN ¥
HVWLPDVLVDDWSHQ\HOHVDLDQ ¥ +DODPDQ
KDPEDWDQNHODQMXWDQSHQ\HOHVDLDQ MLNDDGD
¥
MXPODKSHQJHOXDUDQ\DQJGLDNXLGDODPMXPODKWHUFDWDWDVHWWHWDSGDODP
+DODPDQ
SHPEDQJXQDQGDQ ¥
GDODPKDO WHUGDSDWNDSLWDOLVDVLELD\DSLQMDPDQXQWXNDVHW\DQJPHPHQXKLNULWHULD
DVHWNXDOLILNDVLDQPDNDZDMLEGLXQJNDSNDQ
D MXPODKELD\DSLQMDPDQ\DQJGLNDSLWDOLVDVLVHODPDSHULRGHEHUMDODQGDQ
E WDULINDSLWDOLVDVL\DQJGLJXQDNDQXQWXNPHQHQWXNDQMXPODKELD\DSLQMDPDQ ¥
\DQJOD\DNGLNDSLWDOLVDVL
¥
L 3HQJXQJNDSDQODLQQ\DDQWDUDODLQ
MXPODKWHUFDWDW $VHW7HWDS \DQJWLGDNGLSDNDLVHPHQWDUD
MXPODKWHUFDWDWEUXWRGDULVHWLDS$VHW7HWDS\DQJWHODKGLVXVXWNDQSHQXKGDQ ¥
PDVLKGLJXQDNDQ ¥
MXPODKWHUFDWDW $VHW7HWDS \DQJGLKHQWLNDQGDULSHQJJXQDDQDNWLIGDQWLGDN
GLNODVLILNDVLNDQVHEDJDLWHUVHGLDXQWXNGLMXDO ¥
GDODPKDO PRGHOELD\DGLJXQDNDQ 1LODL:DMDU $VHW7HWDS DSDELODEHUEHGDVHFDUD
PDWHULDOGDULMXPODKWHUFDWDW
¥
QLODLEXNXKDVLOSHQMXDODQQHWRNHXQWXQJDQ NHUXJLDQ GDUL $VHW7HWDS \DQJ
+DODPDQ
GLKHQWLNDQSHQJDNXDQQ\D ¥
GDODPKDOWHUGDSDW$VHW7HWDS\DQJEHUDVDOGDULKLEDKDJDUGLXQJNDSNDQMHQLV
¥
$VHWQLODLWHUFDWDWGDQWDQJJDOSHUROHKDQ
SHUXEDKDQHVWLPDVLPDVDJXQDGDQDWDXPHWRGHSHQ\XVXWDQPHQXUXWMHQLV$VHW
7HWDS
¥
.RQGLVLDWDXSHULVWLZD\DQJPHQ\HEDENDQWHUMDGLQ\DSHQXUXQDQQLODLDWDX
SHPXOLKDQSHQXUXQDQQLODL ¥
-XPODKDVHWWHWDS\DQJGLMDGLNDQMDPLQDQQDPDSLKDN\DQJPHQHULPDMDPLQDQGDQ
DODVDQSHQMDPLQDQGDQ ¥ +DODPDQ
-HQLVGDQQLODLDVHWWHWDS\DQJGLDVXUDQVLNDQQLODLSHUWDQJJXQJDQDVXUDQVLGDQ
ULVLNR\DQJGLWXWXSVHUWDSHQGDSDWPDQDMHPHQDWDVNHFXNXSDQSHUWDQJJXQJDQ ¥ +DODPDQ
DVXUDQVLDSDELODWLGDNGLDVXUDQVLNDQDJDUGLXQJNDSNDQDODVDQQ\D
.KXVXV,QGXVWUL0LQ\DNGDQ*DV%XPL
$VHW0LQ\DNGDQ*DV%XPL
NKXVXVXQWXNSHUXVDKDDQ\DQJPHPLOLNLNHJLDWDQKXOXPLQ\DNGDQJDVEXPL ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQDVHWPHQXUXWMHQLVQ\DVHSHUWLRSHUDWHGDFUHDJHXQRSHUDWHGDFUHDJHVXPXU
GDQSHUDODWDQVHUWDIDVLOLWDV\DQJEHUKXEXQJDQSHUDODWDQNDQWRUNHQGDUDDQVXPXU
Page 39
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
GDQSHUDODWDQVHUWDIDVLOLWDVGDODPSHQJHUMDDQ
7DEHO\DQJPHPXDWSHQMHODVDQWHQWDQJ
D /RNDVLSHQDPEDQJDQ ¥
E 6DOGRDZDOXQWXNPDVLQJPDVLQJORNDVL
F 3HQDPEDKDQGDQ3HQJXUDQJDQXQWXNPDVLQJPDVLQJORNDVLSHQDPEDQJDQGDQ
G 6DOGRDNKLUXQWXNPDVLQJPDVLQJORNDVLSHQDPEDQJDQ
'DODPKDOVDOGRDVHW0LQ\DNGDQ*DV%XPLWHUVHEXWPHQJDQGXQJKDNWDJLKNHSDGD
5HJXODWRUWHUNDLWSHUOXSHQMHODVDQNROHNWDELOLWDVWDJLKDQWHUVHEXWGDODPEHQWXNWDEHO
DQDOLVDXPXUWDJLKDQ
$VHW7DN%HUZXMXG
<DQJKDUXVGLXQJNDSNDQXQWXNVHWLDS MHQLV$VHW7DNEHUZXMXGDQWDUDODLQ
D MXPODKWHUFDWDWEUXWRGDQDNXPXODVLDPRUWLVDVL +DODPDQ
¥
E DORNDVLMXPODKDPRUWLVDVL$VHW7DNEHUZXMXGNHGDODPSRVODSRUDQODEDUXJL ¥ +DODPDQ
NRPSUHKHQVLI
F UHNRQVLOLDVLMXPODKWHUFDWDWEUXWRGDQDNXPXODVLDPRUWLVDVL$VHW7DNEHUZXMXG SDGD
DZDOGDQDNKLUSHULRGHGHQJDQPHQXQMXNNDQSHQDPEDKDQSHQJXUDQJDQGDQ ¥
UHNODVLILNDVL
G GDODPKDO WHUGDSDWNDSLWDOLVDVLELD\DSLQMDPDQXQWXNDVHW\DQJPHPHQXKLNULWHULDDVHW
NXDOLILNDVLDQPDNDKDUXVGLXQJNDSNDQ
MXPODKELD\DSLQMDPDQ\DQJGLNDSLWDOLVDVLVHODPDSHULRGHEHUMDODQGDQ
WDULINDSLWDOLVDVL\DQJGLJXQDNDQXQWXNPHQHQWXNDQMXPODKELD\DSLQMDPDQ\DQJ
OD\DNGLNDSLWDOLVDVL
H MXPODKWHUFDWDW$VHWGDQIDNWRUVLJQLILNDQ\DQJPHQGXNXQJSHQHQWXDQGDQ
SHQLODLDQQ\DXQWXN $VHW7DNEHUZXMXG \DQJGLQLODLGHQJDQXPXUPDQIDDWWLGDN ¥
WHUEDWDV
I SHQMHODVDQDWDVMXPODKWHUFDWDWGDQVLVDSHULRGHDPRUWLVDVLGDULVHWLDS $VHW
7DNEHUZXMXG \DQJPDWHULDOWHUKDGDSODSRUDQNHXDQJDQ3HUXVDKDDQ ¥
J $VHW7DNEHUZXMXG\DQJGLSHUROHKPHODOXL+LEDK3HPHULQWDKGDQDZDOQ\DGLDNXLSDGD ¥
1LODL:DMDUVHVXDL6$.\DQJEHUODNXGLXQJNDSNDQ
1LODL:DMDU SDGDSHQJDNXDQDZDODWDVDVHWDVHWWHUVHEXW
MXPODKWHUFDWDWQ\DGDQ
$VHW WHUVHEXWGLXNXUVHWHODKSHQJDNXDQDZDOGHQJDQPRGHOELD\DDWDXPRGHO
UHYDOXDVL
K NHEHUDGDDQGDQMXPODKWHUFDWDW $VHW7DNEHUZXMXG \DQJNHSHPLOLNDQQ\DGLEDWDVLGDQ ¥
MXPODKWHUFDWDW $VHW7DNEHUZXMXG\DQJPHQMDGLMDPLQDQXQWXN/LDELOLWDV
¥
L QLODLNRPLWPHQNRQWUDNWXDOXQWXNDNXLVLVL$VHW7DNEHUZXMXG
M $VHW7DNEHUZXMXG GLVDMLNDQSDGDMXPODKUHYDOXDVLDQGLXQJNDSNDQ ¥
WDQJJDOHIHNWLIUHYDOXDVL 7DQJJDO3HQLODLDQ
Page 40
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
QDPD3HQLODLGDQWDQJJDOODSRUDQSHQLODLDQWHUDNKLU
MXPODKWHUFDWDW$VHW7DNEHUZXMXG\DQJGLUHYDOXDVL
PHWRGHGDQDVXPVLVLJQLILNDQ\DQJGLJXQDNDQGDODPPHQJHVWLPDVL1LODL:DMDU
DVHW
MXPODKWHUFDWDW XQWXNVHWLDS $VHW7DNEHUZXMXGVHDQGDLQ\D$VHWWHUVHEXWGLFDWDW
GHQJDQPRGHOELD\DGDQ
VXUSOXVUHYDOXDVLDWDXUXJLSHQXUXQDQQLODL\DQJPHQXQMXNNDQSHUXEDKDQVHODPD
SHULRGHGDQSHPEDWDVDQSHPEDWDVDQGLVWULEXVLVDOGRVXUSOXVNHSDGDSDUD
SHPHJDQJVDKDP
.KXVXV,QGXVWUL*DVGDQ0LQ\DN%XPLGDQ3HUWDPEDQJDQXPXP
D %LD\D3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS7DQJJXKDQ3HQ\LVLKDQ
/LDELOLWDV3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS7DQJJXKDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQWDEHO\DQJPHPXDWSHQMHODVDQWHQWDQJ
6DOGRDZDO ¥
3HQDPEDKDQGDQSHQJXUDQJDQ
6DOGRDNKLU
E $VHW(NVSORUDVLGDQ(YDOXDVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
ULQFLDQELD\DSHUROHKDQDVHWHNVSORUDVLGDQHYDOXDVLSHUDUHDRILQWHUHVW\DQJ ¥
PHQFDNXSVDOGRDZDOSHQDPEDKDQGDQSHQJXUDQJDQGDQVDOGRDNKLUGDQ
-XPODKDVHWOLDELOLWDVSHQJKDVLODQGDQEHEDQDUXVNDVRSHUDVLGDQDUXVNDV
LQYHVWDVL\DQJWLPEXOGDULHNVSORUDVLGDQHYDOXDVLSHUWDPEDQJDQ
F %DJLDQGDUL%LD\D(NVSORUDVL7DQJJXKDQSHQJXSDVDQWDQDKWDPEDQJ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
¥
.HELMDNDQDNXQWDQVLVHKXEXQJDQGHQJDQ
D 0HWRGHSHPEHEDQDQELD\DSHQJXSDVDQWDQDKGDQ
E 0HWRGHSHUKLWXQJDQ5DVLR5DWD5DWD7DQDK3HQXWXS
-XPODK%LD\D3HQJXSDVDQ7DQDK\DQJ'LWDQJJXKNDQ\DQJWHUGLULGDUL ELD\D
SHQJXSDVDQDZDO ELD\DSHQJXSDVDQODQMXWDQGHQJDQSHQMHODVDQPHQJHQDL
SHUEHGDDQDQWDUDUDVLRDNWXDOWDQDKPHQXWXSWHUKDGDSUDVLRUDWDUDWDQ\D
3HUXEDKDQDWDV5DVLR5DWD5DWD7DQDK3HQXWXS ELODDGD
%LD\D3HQJXSDVDQ7DQDK\DQJ'LWDQJJXKNDQGLPDQDWHUMDGLSHQXQGDDQPDVD
SURGXNVLPHOLSXWLSHQMHODVDQ
D $ODVDQWHUMDGLQ\DSHQXQGDDQ ¥
E $PRUWLVDVLEHOXPGLSHUKLWXQJNDQNDUHQDEHOXPGLPXODLQ\DSURGXNVLGDQ
F -XPODKSHQXUXQDQ ZULWHGRZQ DNLEDWGLODNXNDQQ\DHYDOXDVL MLNDDGD
Page 41
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
WHUKDGDSELD\D\DQJGLWDQJJXKNDQWHUVHEXWVHUWDPHWRGHGDQDVXPVL
XWDPD\DQJGLSHUJXQDNDQGDODPPHQJKLWXQJSHQXUXQDQQLODLWHUVHEXW
G %LD\D3HQJHPEDQJDQ7DQJJXKDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
0XWDVL%LD\D(NVSORUDVLGDQ3HQJHPEDQJDQ7DQJJXKDQVHODPDWDKXQEHUMDODQ
GHQJDQPHQXQMXNNDQ
D /RNDVLHNVSORUDVLGDQSHQJHPEDQJDQ
E 6DOGRDZDO ¥
F 3HQDPEDKDQSHQJXUDQJDQ
G $PRUWLVDVLGDQ
H 6DOGRDNKLU
%LD\DSHQJHPEDQJDQ\DQJGLWDQJJXKNDQDWDVNHJLDWDQSHQJHPEDQJDQ\DQJ
PDVLKEHUMDODQ ¥
3HQMHODVDQDSDELODWHUMDGLSHQJKDSXVDQELD\DHNVSORUDVLGDQSHQJHPEDQJDQ
WDQJJXKDQ\DQJPHQXUXWSHQHODDKDQPDQDMHPHQWLGDNGDSDWGLSXOLKNDQ
-XPODKELD\DHNVSORUDVLGDQSHQJHPEDQJDQ\DQJGLWDQJJXKNDQGLPDQDWHUMDGL
SHQXQGDDQPDVDSURGXNVLPHOLSXWLSHQMHODVDQ
D $ODVDQWHUMDGLQ\DSHQXQGDDQ
E $PRUWLVDVLEHOXPGLSHUKLWXQJNDQNDUHQDEHOXPGLQLODLQ\DSURGXNVLGDQ
F -XPODKSHQXUXQDQ ZULWHGRZQ DNLEDWGLODNXNDQQ\DHYDOXDVLELODDGD
WHUKDGDSELD\D\DQJGLWDQJJXKNDQWHUVHEXWVHUWDPHWRGHGDQDVXPVLXWDPD
\DQJGLSHUJXQDNDQGDODPPHQJKLWXQJSHQXUXQDQQLODLWHUVHEXW
$SDELODWHUGDSDWOHELKGDULVDWX$UHDRI,QWHUHVWPDNDKDUXVGLXQJNDSNDQULQFLDQ
GDUL%LD\D(NVSORUDVL\DQJ'LWDQJJXKNDQXQWXNWLDSWLDS$UHDRI,QWHUHVW
E /LDELOLWDV
8WDQJ8VDKD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D MXPODKXWDQJXVDKD \DQJ GLSLVDKNDQDQWDUDSLKDNNHWLJDGDQSLKDNEHUHODVL ¥ +DODPDQ
E MXPODKXWDQJXVDKDPHQXUXWPDWDXDQJGDQ
¥ +DODPDQ
F MDPLQDQ\DQJGLEHULNDQROHK3HUXVDKDDQGHQJDQPHQXQMXNSRVSRV\DQJEHUKXEXQJDQ
¥
3URYLVL
D 3HQJXQJNDSDQXQWXNSURYLVLEHUODNXXQWXNSURYLVLMDQJNDSHQGHNGDQSURYLVLMDQJND ¥
SDQMDQJ
Page 42
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
E <DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
QLODLWHUFDWDWSDGDDZDOGDQDNKLUSHULRGH
SURYLVLWDPEDKDQGDODPSHULRGHEHUVDQJNXWDQ
MXPODK\DQJWHUMDGLGDQGLEHEDQNDQSDGDSURYLVLVHODPDSHULRGHEHUVDQJNXWDQ
MXPODK\DQJGLEDWDONDQVHODPDSHULRGHEHUVDQJNXWDQDWDVMXPODK\DQJEHOXP ¥
GLJXQDNDQ
SHQLQJNDWDQ VHODPDSHULRGH\DQJEHUVDQJNXWDQGDODPQLODLNLQL\DQJWHUMDGL
NDUHQDEHUODOXQ\DZDNWXGDQGDPSDNGDULVHWLDSSHUXEDKDQWLQJNDWGLVNRQWR
XUDLDQPHQJHQDLNDUDNWHULVWLNNHZDMLEDQGDQSHUNLUDDQVDDW WHUMDGLQ\D DUXV
NHOXDUVXPEHUGD\DHNRQRPL
LQGLNDVL NHWLGDNSDVWLDQZDNWXDWDXMXPODKDUXVNHOXDUVHEDJDLPDQDGLPDNVXG
GDODPDQJND 'DODPKDOGLSHUOXNDQ3HUXVDKDDQPHQJXQJNDSNDQDVXPVL
XWDPD\DQJPHQGDVDULSUDNLUDDQSHULVWLZDPDVDGHSDQGDQ
MXPODKHVWLPDVLSHQJJDQWLDQ\DQJDNDQGLWHULPDGHQJDQPHQ\HEXWNDQMXPODK
$VHW\DQJWHODKGLDNXLXQWXNHVWLPDVLSHQJJDQWLDQWHUVHEXW
%HEDQDNUXDO
<DQJ ZDMLEGLXQJNDSNDQDQWDUDODLQMHQLVGDQMXPODKGDULXQVXUXWDPDEHEDQ\DQJEHOXP ¥ +DODPDQ
MDWXKWHPSR
.KXVXV,QGXVWUL3HUEDQNDQ
/LDELOLWDV6HJHUD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
D 5LQFLDQEHUGDVDUNDQMHQLVGDQPDWDXDQJGDQ
E 8UDLDQPHQJHQDLVLIDWPDVLQJPDVLQJNHZDMLEDQ
8WDQJ5HSR
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 5LQFLDQPHQJHQDLMHQLVGDQMXPODK(IHN\DQJGLMXDO3HUXVDKDDQSDGDWUDQVDNVLUHSR ¥
E 7DQJJDOGDQKDUJDGLODNXNDQQ\DSHPEHOLDQGDQSHQMXDODQNHPEDOL(IHN
.KXVXV.RQWUDN.RQVWUXNVL
8WDQJ%UXWRNHSDGD3HODQJJDQ
<DQJKDUXVGLXQJNDSNDQGDODPSRVLQLDQWDUDODLQOLDELOLWDVEUXWRGDULVHWLDSNRQWUDN
NRQVWUXNVL'DODPSHQMHODVDQWDJLKDQWHUVHEXWMXJDKDUXVGLULQFLGDODPEHQWXNWDEHO
\DLWX
D ELD\DNRQWUDN\DQJWHUMDGL ¥
E ODED\DQJGLDNXL
Page 43
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F NHUXJLDQ\DQJGLDODPLGDQ
G SHNHUMDDQ\DQJVXGDKGLWDJLK WHUPLQ
.KXVXV,QGXVWUL3HUEDQNDQ
D 6LPSDQDQ1DVDEDK
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQWLDSMHQLVVLPSDQDQ\DQJPHQJXQJNDSNDQ
¥
5LQFLDQEHUGDVDUNDQPDWDXDQJGDQMDQJNDZDNWX
5LQFLDQMXPODKVLPSDQDQEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ
-XPODKDPRUWLVDVLSDGDWDKXQEHUMDODQXQWXNVHUWLILNDWGHSRVLWR
5LQFLDQVLPSDQDQEHUPDVDODKEHUGDVDUNDQVWDWXVQ\DPLVDOQ\DGLEORNLUDWDX
GLMDPLQNDQGDQ
3HPEHULDQIDVLOLWDVLVWLPHZDNHSDGDSHPLOLNUHNHQLQJJLUR
E 6LPSDQDQGDUL%DQN/DLQ ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQEHUGDVDUNDQMHQLVPDWDXDQJGDQMDQJNDZDNWX
5LQFLDQMXPODKVLPSDQDQEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ
-XPODKDPRUWLVDVLSDGDWDKXQEHUMDODQXQWXNVHUWLILNDWGHSRVLWRGDQ
5LQFLDQVLPSDQDQEHUPDVDODKEHUGDVDUNDQMHQLVGDQVWDWXVQ\DPLVDOQ\DGLEORNLU
DWDXGLMDPLQNDQ
.KXVXV,QGXVWUL$VXUDQVL.HUXJLDQGDQ-LZD
D .HZDMLEDQ0DQIDDW3ROLV0DVD'HSDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQEHUGDVDUNDQSURJUDPDVXUDQVL
5LQFLDQEHUGDVDUNDQMHQLVSHUWDQJJXQJDQ ¥
5LQFLDQEHUGDVDUNDQPDWDXDQJ
'DVDUSHUKLWXQJDQGDQDVXPVLDNWXDULVGDQ
5HNRQVLOLDVLMXPODKSDGDDZDOGDQDNKLUSHULRGH\DQJPHPSHUOLKDWNDQ
SHQDPEDKDQGDQSHQJXUDQJDQ
E 8WDQJ.ODLP
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
3HPLVDKDQDQWDUDXWDQJNODLPNHSDGDSLKDNEHUHODVLGDQSLKDNNHWLJD ¥
-XPODKXWDQJNODLPEHUGDVDUNDQWHUWDQJJXQJ
-XPODKXWDQJNODLPPHQXUXWMHQLVDVXUDQVLGDQ
Page 44
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
-XPODKXWDQJPHQXUXWPDWDXDQJ
F (VWLPDVL.ODLP5HWHQVL6HQGLUL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
-XPODKPHQXUXWMHQLVDVXUDQVL ¥
-XPODKPHQXUXWWHUWDQJJXQJ
-XPODKPHQXUXWPDWDXDQJGDQ
-XPODKHVWLPDVLNODLP\DQJVXGDKWHUMDGLQDPXQEHOXPGLODSRUNDQ
G 3UHPL\DQJEHOXPPHUXSDNDQ3HQGDSDWDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
-XPODKPHQXUXWSURJUDPDVXUDQVL
-XPODKPHQXUXWMHQLVSHUWDQJJXQJDQ ¥
3HPLVDKDQDQWDUDSUHPL\DQJEHOXPPHUXSDNDQSHQGDSDWDQNHSDGDSLKDN
EHUHODVLGDQSLKDNNHWLJD
0HWRGHSHUKLWXQJDQ\DQJGLJXQDNDQGDQ
5HNRQVLOLDVLMXPODKSDGDDZDOGDQDNKLUSHULRGH\DQJPHPSHUOLKDWNDQ
SHQDPEDKDQGDQSHQJXUDQJDQ
H 8WDQJ.RDVXUDQVL UHZULWH
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
3HPLVDKDQDQWDUDXWDQJNODLPNHSDGDSLKDNEHUHODVLGDQSLKDNNHWLJD ¥
-XPODKEHUGDVDUNDQNRDVXUDGXU
-XPODKPHQXUXWMHQLVPDWDXDQJGDQ
-XPODKPHQXUXWXPXUXWDQJ
I 8WDQJ5HDVXUDQVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
3HPLVDKDQDQWDUDXWDQJNODLPNHSDGDSLKDNEHUHODVLGDQSLKDNNHWLJD ¥
-XPODKEHUGDVDUNDQUHDVXUDGXU
-XPODKPHQXUXWMHQLVPDWDXDQJ
-XPODKPHQXUXWXPXUXWDQJGDQ
-XPODKXWDQJDWDXSLXWDQJUHDVXUDQVL\DQJGLVDOLQJKDSXVNDQ
J 8WDQJ.RPLVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
-XPODKEHUGDVDUNDQWHUWDQJJXQJGDQDVXUDGXU ¥
-XPODKPHQXUXWMHQLVPDWDXDQJGDQ
Page 45
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
-XPODKPHQXUXWMHQLVDVXUDQVL
K 7LWLSDQ3UHPL ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQPHQXUXWMHQLVDVXUDQVL
L +DN/DED3HPHJDQJ3ROLV<DQJ%HOXP'LEDJLNDQ
<DQJKDUXVGLXQJNDSNDQ
7DQJJDOGDQKDVLONHSXWXVDQUDSDWSHPHJDQJVDKDP ¥
'DVDUSHUKLWXQJDQGDQ
6DOGRPHQXUXWXVLD
/LDELOLWDV,PEDODQ.HUMD-DQJND3HQGHN ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQMHQLVGDQMXPODKQ\D
8WDQJ3DMDN
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
¥ +DODPDQ
D MHQLVGDQMXPODKQ\DGDQ
E LQIRUPDVLPHQJHQDLNHWHWDSDQSDMDN
¥
.KXVXV,QGXVWUL3HPELD\DDQ
.HZDMLEDQ$QMDN3LXWDQJ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
D -XPODKOLDELOLWDVDQMDNSLXWDQJGDODPUDQJNDDQMDNSLXWDQJGHQJDQUHFRXUVHGDQ
E -XPODKEHEDQWDQJJXKDQSLXWDQJUHWHQVLDQMDNSLXWDQJGDQMDWXKWHPSRVHUWDLNDWDQ
SHQWLQJODLQQ\D\DQJGLDWXUGDODPSHUMDQMLDQDQMDNSLXWDQJ
.KXVXV.RQWUDN.RQVWUXNVL
8DQJ0XND.RQWUDN ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQMXPODKXDQJPXNDNRQWUDN\DQJGLWHULPD
%DJLDQ/DQFDUDWDV/LDELOLWDV-DQJND3DQMDQJ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQEDJLDQODQFDUDWDVOLDELOLWDVMDQJNDSDQMDQJVHVXDL ¥ +DODPDQ
GHQJDQSHQJXQJNDSDQXWDQJEDQNGDQOHPEDJDNHXDQJDQMDQJNDSDQMDQJVHEDJDLPDQD
GLDWXUGDODP&KHFNOLVWLQL
/LDELOLWDV.HXDQJDQ/DLQQ\D
D <DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
3HQJXQJNDSDQ XQWXN OLDELOLWDV NHXDQJDQODLQQ\DEHUODNXXQWXN OLDELOLWDV ¥
NHXDQJDQODLQQ\D\DQJEHUVLIDW MDQJNDSHQGHNGDQMDQJNDSDQMDQJ
Page 46
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
3HUXVDKDDQZDMLE PHQJHORPSRNNDQVHVXDLNODVLILNDVL\DQJGLSLVDKNDQDQWDUD
SLKDNNHWLJDGDQSLKDNEHUHODVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D QLODLWHUFDWDWOLDELOLWDVNHXDQJDQXQWXNVHWLDSNDWHJRUL
E ODEDDWDXUXJLQHWRSDGDVHWLDSOLDELOLWDVNHXDQJDQGDQ ¥
F NHMDGLDQSHQWLQJODLQQ\DDQWDUDODLQNHSDWXKDQ3HUXVDKDDQGDODP
PHPHQXKLSHUV\DUDWDQGDQNRQGLVLXWDQJ PLVDOQ\DUHVWUXNWXULVDVLXWDQJ
GDQNRQGLVLGHIDXOW
E 'DODPKDOWHUGDSDWUHVWUXNWXULVDVL8WDQJ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
3HQMHODVDQWHQWDQJSRNRNSRNRNSHUXEDKDQSHUV\DUDWDQGDQSHQ\HOHVDLDQ
XWDQJ ¥
-XPODKNHXQWXQJDQDWDVUHVWUXNWXULVDVLXWDQJGDQGDPSDNSDMDNSHQJKDVLODQ
\DQJWHUNDLW
¥
-XPODKNHXQWXQJDQDWDXNHUXJLDQEHUVLKDWDVSHQJDOLKDQDVHW\DQJGLDNXL
VHODPDSHULRGHWHUVHEXWGDQ ¥
-XPODKXWDQJNRQWLQMHQ\DQJGLPDVXNNDQGDODPQLODLWHUFDWDWXWDQJ\DQJWHODK ¥
GLUHVWUXNWXULVDVL
.KXVXV,QGXVWUL*DVGDQ0LQ\DN%XPL
%DJLDQ/LDELOLWDV3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS\DQJ-DWXK7HPSR
GDODP6DWX7DKXQ ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMHQLVGDQMXPODKQ\D
.KXVXV,QGXVWUL3HUWDPEDQJDQ8PXP
%DJLDQ3HQ\LVLKDQXQWXN3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS\DQJ ¥
-DWXK7HPSRGDODP6DWX7DKXQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMHQLVGDQMXPODKQ\D
/LDELOLWDV WHUNDLWDVHW DWDXNHORPSRNOHSDVDQ\DQJGLPLOLNLXQWXNGLMXDO
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQOLDELOLWDVWHUNDLWDVHWDWDXNHORPSRNOHSDVDQ\DQJ ¥
GLPLOLNLXQWXNGLMXDOVHVXDLGHQJDQGDQGDSDWGLJDEXQJGHQJDQSHQJXQJNDSDQDVHWWLGDN
ODQFDUDWDXNHORPSRNOHSDVDQ\DQJGLNODVLILNDVLNDQVHEDJDLGLPLOLNLXQWXNGLMXDO
/LDELOLWDV-DQJND3DQMDQJ
8WDQJ3LKDN%HUHODVL1RQ8VDKD
<DQJ+DUXVGLXQJNDSNDQ DQWDUDODLQ
D ULQFLDQQDPDSLKDNEHUHODVLMHQLVGDQMXPODKXWDQJ ¥ +DODPDQ
E MXPODKXWDQJPHQXUXWPDWDXDQJGDQ
Page 47
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F MDPLQDQ\DQJGLEHULNDQGHQJDQPHQXQMXNSRVSRV\DQJEHUKXEXQJDQ ¥
¥
8WDQJ%DQNGDQ/HPEDJD.HXDQJDQ-DQJND3DQMDQJ
<DQJ+DUXVGLXQJNDSNDQ DQWDUDODLQ
D ULQFLDQMXPODKXWDQJEHUGDVDUNDQQDPDEDQNOHPEDJDNHXDQJDQGDQMHQLVPDWD ¥ +DODPDQ
XDQJ
E NLVDUDQVXNXEXQJDNRQWUDNWXDOVHODPDSHULRGHSHODSRUDQ ¥ +DODPDQ
F WDQJJDOMDWXKWHPSR ¥ +DODPDQ
G MXPODKEDJLDQ\DQJDNDQMDWXKWHPSRGDODPZDNWX GXDEHODV EXODQ ¥ +DODPDQ
H SHQMHODVDQWHQWDQJIDVLOLWDVSLQMDPDQ\DQJGLSHUROHKWHUPDVXNMXPODKGDQWXMXDQ
SHUROHKDQQ\D
I SHPED\DUDQ\DQJGLODNXNDQSDGDSHULRGHEHUMDODQXQWXNPDVLQJPDVLQJIDVLOLWDV ¥ +DODPDQ
SLQMDPDQ
J NHMDGLDQSHQWLQJODLQQ\DDQWDUDODLQNHSDWXKDQ3HUXVDKDDQGDODPPHPHQXKL
SHUV\DUDWDQGDQNRQGLVLXWDQJ PLVDOQ\DUHVWUXNWXULVDVLXWDQJGDQNRQGLVLGHIDXOW ¥ +DODPDQ
K MDPLQDQ\DQJGLEHULNDQGHQJDQPHQXQMXNSRVSRV\DQJEHUKXEXQJDQ ¥ +DODPDQ
L SHUV\DUDWDQODLQ\DQJSHQWLQJVHSHUWLDGDQ\DSHPEDWDVDQSHPEDJLDQGLYLGHQ ¥ +DODPDQ
SHPEDWDVDQUDVLRWHUWHQWX GDQDWDXSHPEDWDVDQSHUROHKDQXWDQJEDUXGDQ
M SHQJXQJNDSDQLQIRUPDVLVHKXEXQJDQGHQJDQOLDELOLWDVEHUEXQJDMDQJNDSDQMDQJ\DQJ
DNDQMDWXKWHPSRGDODPMDQJNDZDNWX GXDEHODV EXODQVHMDNWDQJJDOODSRUDQ ¥ +DODPDQ
SRVLVLNHXDQJDQWHWDSLWHWDSGLNODVLILNDVLNDQVHEDJDLOLDELOLWDVMDQJNDSDQMDQJDQWDUD
ODLQDGDODK
QDPDEDQNOHPEDJDNHXDQJDQGDQMXPODKQ\DGDQ
ULQJNDVDQSHUMDQMLDQODPDGDQEDUX\DQJPHOLSXWLWDQJJDONHVHSDNDWDQMDQJND
ZDNWXSLQMDPDQWDQJJDOMDWXKWHPSRGDQSHUV\DUDWDQSHQWLQJ
8WDQJ6HZD3HPELD\DDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D MXPODKQHWRQLODLWHUFDWDWXQWXNVHWLDSNHORPSRN DVHW GDQSHPEHULVHZD OHVVRU ¥
SDGDWDQJJDOODSRUDQSRVLVLNHXDQJDQ
E UHNRQVLOLDVLDQWDUDWRWDOSHPED\DUDQVHZDPLQLPXPGLPDVDGHSDQSDGDWDQJJDO
ODSRUDQSRVLVLNHXDQJDQGHQJDQQLODLNLQLQ\D6HODLQLWXZDMLEPHQJXQJNDSNDQWRWDO ¥
SHPED\DUDQVHZDPLQLPXPGLPDVDGHSDQSDGDWDQJJDOODSRUDQSRVLVLNHXDQJDQ
GDQQLODLNLQLQ\DXQWXNVHWLDSSHULRGHEHULNXW
VDPSDLGHQJDQVDWXWDKXQ
OHELKGDULVDWXWDKXQVDPSDL OLPD WDKXQGDQ
OHELKGDUL OLPD WDKXQ
Page 48
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F SHPED\DUDQ VHZD NRQWLQMHQ\DQJGLDNXLVHEDJDLEHEDQSDGDSHULRGHWHUVHEXW
G WRWDOSHPED\DUDQPLQLPXPVHZDODQMXW VXEOHDVH PDVDGHSDQ\DQJGLSHUNLUDNDQ
DNDQGLWHULPDGDULNRQWUDNVHZDODQMXW\DQJWLGDNGDSDWGLEDWDONDQ QRQFDQFHOODEOH
VXEOHDVH SDGDWDQJJDOODSRUDQSRVLVLNHXDQJDQ ¥
H NHXQWXQJDQDWDXNHUXJLDQ\DQJGLWDQJJXKNDQEHVHUWDDPRUWLVDVLQ\DVHKXEXQJDQ
GHQJDQWUDQVDNVLSHQMXDODQGDQSHQ\HZDDQNHPEDOL VDOHDQGOHDVHEDFN GDQ
I SHQMHODVDQXPXPLVLSHUMDQMLDQVHZD\DQJPDWHULDODQWDUDODLQ
GDVDUSHQHQWXDQXWDQJVHZDNRQWLQMHQ
DGDWLGDNQ\DNODXVXONODXVXO\DQJEHUNDLWDQGHQJDQRSVLSHUSDQMDQJDQDWDX
SHPEHOLDQGDQHVNDODVLEHVHUWDV\DUDWV\DUDWQ\DGDQ
SHPEDWDVDQSHPEDWDVDQ\DQJGLWHWDSNDQGDODPSHUMDQMLDQVHZD
.KXVXV,QGXVWUL3HUEDQNDQ
D 6XUDW%HUKDUJD\DQJ'LWHUELWNDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQEHUGDVDUNDQMHQLVPDWDXDQJGDQMDQJNDZDNWX
5LQFLDQMXPODKEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ
5LQFLDQEHUGDVDUNDQSHULQJNDWHIHNGDQSHUXVDKDDQSHPHULQJNDW ¥
-XPODKDPRUWLVDVLSDGDWDKXQEHUMDODQ
5LQJNDVDQSHUMDQMLDQ\DQJPHOLSXWLWDQJJDONHVHSDNDWDQMDQJNDZDNWX
SHUMDQMLDQWDQJJDOMDWXKWHPSRNHZDMLEDQ\DQJKDUXVGLSHQXKLGDQ
SHUV\DUDWDQSHQWLQJODLQQ\D 'HEW&RYHQDQFH
3HQGDSDWPDQDMHPHQWHQWDQJSHPHQXKDQ'HEW&RYHQDQFHDWDVVXUDWEHUKDUJD
\DQJGLWHUELWNDQ
E 3LQMDPDQ'LWHULPD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQEHUGDVDUNDQSLKDNMHQLVGDQPDWDXDQJ
5LQFLDQMXPODKEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
5LQJNDVDQSHUMDQMLDQ\DQJPHOLSXWLWDQJJDONHVHSDNDWDQMDQJNDZDNWX
SHUMDQMLDQWLQJNDWEXQJDWDQJJDOMDWXKWHPSRQLODL$VHWEDQN\DQJGLMDPLQNDQ
GDQSHUV\DUDWDQSHQWLQJODLQQ\D GHEWFRYHQDQFH
3HQGDSDWPDQDMHPHQWHUNDLWSHPHQXKDQGHEWFRYHQDQFH
$SDELODEDQNPHQHULPDGDQDDWDXIDVLOLWDVSLQMDPDQGDULSHPHULQWDKDWDXSLKDN
ODLQGHQJDQWLQJNDWLPEDODQ\DQJOHELKUHQGDKGDULWLQJNDWEXQJDSDVDUPDND
PDQDMHPHQPHQJXQJNDSNDQPHQJHQDLIDVLOLWDVWHUVHEXWGDQGDPSDNQ\D
WHUKDGDSODEDEHUVLK
Page 49
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F (VWLPDVL.HUXJLDQ.RPLWPHQGDQ.RQWLQMHQVL ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQEHUGDVDUNDQMHQLVPDWDXDQJGDQNROHNWLELOLWDV
5LQFLDQMXPODKEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
-XPODKSHQ\LVLKDQSHQXUXQDQQLODLGDQPXWDVLVHODPDSHULRGHEHUMDODQ
.HWHQWXDQPLQLPXPSHQ\LVLKDQSHQXUXQDQQLODLNRPLWPHQGDQNRQWLQMHQVL
PHQXUXW%,GDQSRVLVLSHQ\LVLKDQSHQJKDSXVDQEDQNSDGDVDDWSHULRGH
¥
SHODSRUDQGDQ
3HQGDSDWPDQDMHPHQDNDQNHFXNXSDQMXPODKSHQ\LVLKDQSHQXUXQDQQLODL
NRPLWPHQGDQNRQWLQMHQVL
.KXVXV,QGXVWUL*DVGDQ0LQ\DN%XPL
/LDELOLWDV3HQJHORODDQGDQ5HNODPDVL/LQJNXQJDQ+LGXS7DQJJXKDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 0XWDVLWDNVLUDQSURYLVL3/+VHODPDWDKXQEHUMDODQGHQJDQPHQXQMXNNDQ
6DOGRDZDO
3HQ\LVLKDQ\DQJGLEHQWXN ¥
3HQJHOXDUDQ\DQJWHUMDGLGDQ
6DOGRDNKLU
E .HJLDWDQ3/+\DQJWHODKGLODNVDQDNDQGDQ\DQJVHGDQJEHUMDODQ
F /LDELOLWDVEHUV\DUDWVHKXEXQJDQGHQJDQ3/+GDQOLDELOLWDVEHUV\DUDWODLQQ\D
VHEDJDLPDQDGLDWXUGDODPVWDQGDUDNXQWDQVLNHXDQJDQ
G $SDELODGDODPSRVLQLWHUGDSDWNRPSRQHQELD\D\DQJVLIDWQ\DPDWHULDOPLVDOQ\DEHEDQ
SHQXWXSDQWDPEDQJPDNDSHUXVDKDDQGDSDWPHQ\DMLNDQQ\DGDODPSRV\DQJ
WHUSLVDK
H 7DEHO\DQJPHPXDWSHQMHODVDQWHQWDQJ
6DOGRDZDO
3HQDPEDKDQGDQ3HQJXUDQJDQ
6DOGRDNKLU
/LDELOLWDV,PEDODQ.HUMD-DQJND3DQMDQJ
D LPEDODQ3DVWL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
JDPEDUDQXPXPPHQJHQDLMHQLVSURJUDP
¥ +DODPDQ
UHNRQVLOLDVLVDOGRDZDOGDQDNKLUGDULQLODLNLQLNHZDMLEDQLPEDODQSDVWL\DQJ
PHQXQMXNNDQVHFDUDWHUSLVDKSHQJDUXKQ\DVHODPDSHULRGHEHUMDODQ\DQJGDSDW
GLDWULEXVLNDQNHGDODP
D ELD\DMDVDNLQL ¥ +DODPDQ
Page 50
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
E ELD\DEXQJD ¥
F LXUDQROHKSHVHUWDSURJUDP +DODPDQ
¥
G NHXQWXQJDQGDQNHUXJLDQDNWXDULDO +DODPDQ
¥
H SHUXEDKDQNXUV PDWDXDQJ DVLQJSDGDSURJUDP\DQJGLXNXUGHQJDQPDWD
XDQJ\DQJEHUEHGDGHQJDQPDWDXDQJSHQ\DMLDQ ¥
I LPEDODQ\DQJGLED\DUNDQ
¥
J ELD\DMDVDODOX
K NRPELQDVLELVQLV ¥
¥ +DODPDQ
L FXUWDLOPHQWGDQ
+DODPDQ
M SHQ\HOHVDLDQ ¥
DQDOLVLVNHZDMLEDQLPEDODQSDVWLWHUKDGDSMXPODK\DQJGLKDVLONDQGDULSURJUDP
\DQJVHOXUXKQ\DWLGDNGLGDQDLGDQMXPODK\DQJGLKDVLONDQGDULSURJUDP\DQJ
VHOXUXKQ\DDWDXVHEDJLDQGLGDQDL ¥
UHNRQVLOLDVLVDOGRDZDOGDQDNKLUGDUL1LODL:DMDUDVHWSURJUDPVHUWDVDOGRDZDO
GDQDNKLUGDULVHWLDSKDNSHQJJDQWLDQ\DQJGLDNXLVHEDJDL$VHWVHVXDLGHQJDQ
6$.PHQXQMXNNDQVHFDUDWHUSLVDKGDPSDNVHODPDSHULRGH\DQJGDSDW
GLDWULEXVLNDQSDGDVHWLDS
D KDVLO\DQJGLKDUDSNDQGDULDVHWSURJUDP
E NHXQWXQJDQGDQNHUXJLDQDNWXDULDO
F SHUXEDKDQ NXUV PDWD XDQJ DVLQJSDGDSURJUDP\DQJGLXNXUGHQJDQPDWD
XDQJ\DQJEHUEHGDGHQJDQPDWDXDQJSHQ\DMLDQ
¥
G LXUDQROHKSHPEHULSHNHUMD
H LXUDQROHKSHVHUWDSURJUDP
I LPEDODQ\DQJGLED\DUNDQ
J NRPELQDVLELVQLVGDQ
K SHQ\HOHVDLDQ
UHNRQVLOLDVL QLODLNLQLNHZDMLEDQLPEDODQSDVWLVHEDJDLPDQDGLPDNVXGGDODPEXWLU
GDQ1LODL:DMDUDVHWSURJUDPVHEDJDLPDQD GLPDNVXGGDODPEXWLU DWDV
$VHW GDQ /LDELOLWDV \DQJ GLDNXL GDODP ODSRUDQ SRVLVL NHXDQJDQ SDOLQJ NXUDQJ
PHQJXQJNDSNDQ
D NHXQWXQJDQGDQNHUXJLDQDNWXDULDOQHWR\DQJWLGDNGLDNXLGDODPODSRUDQ
SRVLVLNHXDQJDQ
E ELD\DMDVDODOX\DQJWLGDNGLDNXLGDODPODSRUDQSRVLVLNHXDQJDQ
F VHWLDSMXPODK\DQJWLGDNGLDNXLVHEDJDL$VHWGLNDUHQDNDQROHKEDWDVDQ
GDODP6$.
G 1LODL:DMDU SDGDDNKLUSHULRGHSHODSRUDQGDULVHWLDSKDNSHQJJDQWLDQ\DQJ ¥
GLDNXLVHEDJDL$VHWVHVXDLGHQJDQ6$.GDQ
H MXPODKODLQQ\D\DQJGLDNXLGDODPODSRUDQSRVLVLNHXDQJDQ
Page 51
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
WRWDOEHEDQ\DQJGLDNXLGLODEDUXJLXQWXNVHWLDSKDOKDOEHULNXWGDQQDPDSRV
GLPDQDKDOWHUVHEXWWHUPDVXN
D ELD\DMDVDNLQL ¥ +DODPDQ
+DODPDQ
E ELD\DEXQJD ¥
F KDVLO\DQJGLKDUDSNDQGDULDVHWSURJUDP
G KDVLO\DQJGLKDUDSNDQGDULVHWLDSKDNSHQJJDQWLDQ\DQJGLDNXLVHEDJDL$VHW ¥
VHVXDLGHQJDQ6$.
¥
H NHXQWXQJDQGDQNHUXJLDQDNWXDULDOMLND3HUXVDKDDQPHPLOLKPHWRGH NRULGRU
VHSXOXKSHUVHUDWXV
¥
I ELD\DMDVDODOX +DODPDQ
¥ +DODPDQ
J GDPSDNGDUL FXUWDLOPHQW WHUXWDPDWHUNDLWGHQJDQSHQ\HOHVDLDQQ\DGDQ
¥
K GDPSDNGDULEDWDVDQGDODP6$.
MXPODKWRWDO\DQJGLDNXLGDODPSHQGDSDWDQNRPSUHKHQVLIODLQ\DQJDNDQGLDNXL +DODPDQ
VHJHUDGDODPVDOGRODEDPHOLSXWL ¥
D NHXQWXQJDQGDQNHUXJLDQDNWXDULDOGDQ
E GDPSDNGDULEDWDVDQGDODP6$.
MXPODKNXPXODWLIGDULNHXQWXQJDQGDQNHUXJLDQDNWXDULDO\DQJGLDNXLSDGD
SHQGDSDWDQNRPSUHKHQVLIODLQGDODPKDO 3HUXVDKDDQPHQJDNXLNHXQWXQJDQGDQ
NHUXJLDQGDODPSHQGDSDWDQNRPSUHKHQVLIODLQVHVXDLGHQJDQ6$. ¥
SHUVHQWDVHDWDXMXPODKVHWLDSNDWHJRULXWDPD\DQJPHUXSDNDQ 1LODL:DMDU WRWDO
DVHWSURJUDPXQWXNVHWLDSNDWHJRULXWDPDGDULDVHWSURJUDP\DQJPHQFDNXS
QDPXQWLGDNWHUEDWDVSDGDLQVWUXPHQHNXLWDVLQVWUXPHQXWDQJSURSHUWLGDQ
¥
VHOXUXKDVHWODLQ
MXPODK \DQJPHQFDNXS 1LODL :DMDUDVHWSURJUDPXQWXN
D VHWLDSNDWHJRULLQVWUXPHQNHXDQJDQPLOLN3HUXVDKDDQGDQ
E VHWLDSSURSHUWLDWDX$VHWODLQ\DQJGLJXQDNDQROHK3HUXVDKDDQ ¥
SHQMHODVDQDWDVGDVDU\DQJGLJXQDNDQXQWXNPHQHQWXNDQWLQJNDWSHQJHPEDOLDQ
\DQJGLKDUDSNDQDWDV$VHWVHFDUDNHVHOXUXKDQWHUPDVXNGDPSDNNDWHJRUL
XWDPDGDULDVHWSURJUDP
¥
LPEDOKDVLODNWXDODWDVDVHWSURJUDPVHUWDLPEDOKDVLODNWXDODWDVVHWLDSKDN
SHQJJDQWLDQ\DQJGLDNXLVHEDJDL$VHW ¥
$VXPVLDNWXDULDOXWDPD\DQJGLJXQDNDQVDPSDLSDGDDNKLUSHULRGHSHODSRUDQ
GDQGLXQJNDSNDQGDODPXNXUDQ\DQJDEVROXWGDQWLGDNKDQ\DVHEDJDLPDUMLQ +DODPDQ
¥
DQWDUDSHUVHQWDVHGDQYDULDEHOODLQQ\DWHUPDVXN
D WLQJNDWGLVNRQWR
¥ +DODPDQ
E WLQJNDWLPEDOKDVLO\DQJGLKDUDSNDQDWDVVHWLDSDVHWSURJUDPXQWXNSHULRGH
¥
\DQJGLVDMLNDQGDODPODSRUDQNHXDQJDQ
F WLQJNDWLPEDOKDVLO\DQJGLKDUDSNDQXQWXNSHULRGH\DQJGLVDMLNDQGDODP ¥
ODSRUDQNHXDQJDQSDGDVHWLDSKDNSHQJJDQWLDQ\DQJGLDNXLVHEDJDL$VHW
Page 52
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
G WLQJNDWNHQDLNDQJDML\DQJGLKDUDSNDQ GDQSHUXEDKDQGDODPLQGHNVDWDX ¥ +DODPDQ
YDULDEHOWHUWHQWXODLQQ\DGDODPPDVDSURJUDPIRUPDODWDXNRQVWUXNWLI
VHEDJDLGDVDUXQWXNNHQDLNDQLPEDODQPDVDGHSDQ
¥
H WLQJNDWWUHQELD\DNHVHKDWDQGDQ
I DVXPVLPDWHULDOODLQ\DQJGLJXQDNDQGDODPDNWXDULD ¥
GDPSDNNHQDLNDQ DWDXSHQXUXQDQ VDWXDQJNDSHUVHQWDVHGDODPWLQJNDWWUHQ
ELD\DNHVHKDWDQ\DQJGLDVXPVLNDQSDGD
D ELD\DMDVDNLQLDJUHJDWGDQNRPSRQHQELD\DEXQJDGDULELD\DNHVHKDWDQ
SDVFDNHUMDSHULRGLNQHWRGDQ ¥
E DNXPXODVLNHZDMLEDQLPEDODQSDVFDNHUMDXQWXNELD\DNHVHKDWDQ
F 'DODPKDOSURJUDPGLRSHUDVLNDQGDODPOLQJNXQJDQLQIODVL\DQJWLQJJL
ZDMLEGLXQJNDSNDQ GDPSDNSHUVHQWDVHNHQDLNDQDWDXSHQXUXQDQWLQJNDW
WUHQELD\DNHVHKDWDQ\DQJGLDVXPVLNDQGDULPDNQD\DQJVHUXSDGHQJDQVDWX
DQJNDSHUVHQWDVHGDODPOLQJNXQJDQLQIODVL\DQJUHQGDK
-XPODK SHULRGH WDKXQDQVDDWLQLGDQSHULRGHHPSDWWDKXQVHEHOXPQ\DGDUL
D QLODLNLQLNHZDMLEDQLPEDODQSDVWL1LODL:DMDUDVHWSURJUDPGDQVXUSOXVDWDX
GHILVLWSDGDSURJUDPGDQ
E SHQ\HVXDLDQ\DQJWLPEXOSDGD ¥
L OLDELOLWDVSURJUDPGLQ\DWDNDQVHEDJDLMXPODKDWDXSHUVHQWDVHGDUL
OLDELOLWDVSURJUDPSDGDDNKLUSHULRGHSHODSRUDQGDQ
LL DVHWSURJUDPGLQ\DWDNDQVHEDJDLMXPODKDWDXSHUVHQWDVHGDULDVHW
SURJUDPSDGDDNKLUSHULRGHSHODSRUDQ
HVWLPDVLWHUEDLNSHPEHULNHUMDVHJHUDVHWHODKGDSDWGLWHQWXNDQVHFDUDDQGDOGDUL
LXUDQ\DQJGLKDUDSNDQDNDQGLED\DUGDODPSURJUDPVHODPDSHULRGHWDKXQDQ
GLPXODLVHWHODKSHULRGHSHODSRUDQ ¥
NKXVXVXQWXNSURJUDPLPEDODQSDVWL\DQJPHPEDJLULVLNRDQWDUHQWLWDV
VHSHQJHQGDOL ZDMLEGLXQJNDSNDQVHEDJDLEHULNXW
D SHUMDQMLDQNRQWUDNWXDODWDXNHELMDNDQWHUWXOLVXQWXNSHPEHEDQDQELD\D
LPEDODQSDVWLQHWRDWDXEXNWLEDKZDWLGDNDGDNHELMDNDQVHSHUWLLWX
E GDODPKDO3HUXVDKDDQPHQFDWDWDORNDVLELD\DLPEDODQSDVWLQHWRVHVXDL6$.
PDND3HUXVDKDDQPHQJXQJNDSNDQ ¥
L LQIRUPDVL\DQJPHPXQJNLQNDQSHQJJXQDODSRUDQNHXDQJDQXQWXN
PHQJHYDOXDVLVLIDWSURJUDPLPEDODQSDVWLGDQGDPSDNNHXDQJDQDWDV
SHUXEDKDQSURJUDPVHODPDSHULRGHWHUVHEXW
LL SHQJXQJNDSDQJDPEDUDQXPXPMHQLVSURJUDPVHVXDL GHQJDQ KXUXID
EXWLU PHQFDNXSSHQMHODVDQSUDNWLNLQIRUPDO\DQJPHQLPEXONDQ
NHZDMLEDQNRQVWUXNWLIWHUPDVXNGDODPSHQJXNXUDQNHZDMLEDQLPEDODQ
SDVWLGDQ
LLL MLND3HUXVDKDDQPHQFDWDWLXUDQ\DQJWHUXWDQJXQWXNSHULRGHVHVXDL6$.
Page 53
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
LQIRUPDVLWHQWDQJSURJUDPVHFDUDNHVHOXUXKDQGLV\DUDWNDQVHVXDLGHQJDQ
EXWLU EXWLU EXWLU EXWLU EXWLU EXWLU EXWLU GDQ
EXWLU VHUWDEXWLULL
E ,XUDQ3DVWL
3HUXVDKDDQ\DQJPHQ\HOHQJJDUDNDQSURJUDPLXUDQSDVWLKDUXVPHQJXQJNDSNDQ ¥
MXPODK\DQJGLDNXLVHEDJDLEHEDQXQWXNSURJUDPLXUDQSDVWL
F ,PEDODQ.HUMD-DQJND3DQMDQJ/DLQQ\D
<DQJKDUXVGLXQJNDSNDQSDOLQJNXUDQJMHQLVGDQMXPODKLPEDODQNHUMDMDQJND ¥
SDQMDQJODLQQ\D
G 3HVDQJRQ3HPXWXVDQ.RQWUDN.HUMD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
LXUDQSURJUDPGDQMXPODKSHVDQJRQSHPXWXVDQNRQWUDNNHUMDGDQ
SHQMHODVDQPHQJHQDLOLDELOLWDVNRQWLQMHQ MLNDDGD
8WDQJ2EOLJDVL
<DQJKDUXVGLXQJNDSNDQ DQWDUDODLQ
D ULQFLDQPHQJHQDLMHQLVQLODLQRPLQDOGDQQLODLWHUFDWDWGDODPUXSLDKGDQPDWDXDQJ ¥
DVLQJWDQJJDOMDWXKWHPSRMDGZDOSHPED\DUDQEXQJDVXNXEXQJDEXUVDWHPSDW
REOLJDVLGLFDWDWNDQGDQWXMXDQSHQHUELWDQQ\D
E SHULQJNDWGDQQDPD3HUXVDKDDQ3HPHULQJNDW(IHN ¥
F MXPODKEDJLDQ\DQJDNDQMDWXKWHPSRGDODPZDNWX GXDEHODV EXODQ ¥
G QDPD:DOL$PDQDWGDQNHWHUNDLWDQXVDKDGHQJDQ3HUXVDKDDQ ¥
H MDPLQDQVHUWDSHPEHQWXNDQGDQDXQWXNSHOXQDVDQXWDQJSRNRNREOLJDVLGHQJDQ ¥
PHQXQMXNSRVSRV\DQJEHUKXEXQJDQMLNDDGD
I SHPEDWDVDQ\DQJGLSHUV\DUDWNDQGDODP .RQWUDN3HUZDOLDPDQDWDQ ¥
J NHMDGLDQSHQWLQJODLQQ\DDQWDUDODLQNHSDWXKDQ3HUXVDKDDQGDODPPHPHQXKL
SHUV\DUDWDQGDQNRQGLVLXWDQJ PLVDOQ\DUHVWUXNWXULVDVLXWDQJGDQNRQGLVLGHIDXOW ¥
GDQ
K SHUV\DUDWDQSHQWLQJODLQQ\D ¥
6XNXN
¥
D 3HUXVDKDDQZDMLEPHQJHORPSRNNDQ6XNXNEHUGDVDUNDQDNDGV\DULDK\DQJGLJXQDNDQ
E 3HUXVDKDDQ KDUXVPHQJXQJNDSNDQDQWDUDODLQ
XUDLDQWHQWDQJSHUV\DUDWDQXWDPDGDODPSHQHUELWDQ6XNXNWHUPDVXN
Page 54
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
D ULQJNDVDQDNDGV\DULDKGDQVNHPDWUDQVDNVLV\DULDK\DQJGLJXQDNDQ
E $VHWPDQIDDWDWDXDNWLYLWDV\DQJPHQGDVDUL
F QLODLQRPLQDO
G EHVDUDQLPEDODQ XQWXN6XNXNLMDUDK
H SULQVLSSHPEDJLDQKDVLOXVDKDGDVDUEDJLKDVLOGDQEHVDUDQQLVEDKEDJL
KDVLO XQWXN6XNXNPXGKDUDEDK ¥
I UHQFDQDMDGZDOGDQWDWDFDUDSHPEDJLDQ GDQDWDXSHPED\DUDQLPEDODQ
DWDXEDJLKDVLO
J MDQJNDZDNWX
K WXMXDQSHQHUELWDQQ\DGDQ
L SHUV\DUDWDQSHQWLQJODLQ
SHULQJNDWGDQQDPD3HUXVDKDDQ3HPHULQJNDW(IHN
EXUVDWHPSDW6XNXNGLFDWDWNDQ
MXPODKEDJLDQ\DQJDNDQMDWXKWHPSRGDODPZDNWX GXDEHODV EXODQ
QDPD:DOL$PDQDWGDQNHWHUNDLWDQXVDKDGHQJDQ3HUXVDKDDQ
MDPLQDQ GHQJDQPHQXQMXNSRVSRV\DQJEHUKXEXQJDQ MLNDDGD ¥
SHPEDWDVDQ\DQJGLSHUV\DUDWNDQGDODP .RQWUDN3HUZDOLDPDQDWDQGDQ
NHMDGLDQSHQWLQJODLQQ\DDQWDUDODLQNHSDWXKDQ(PLWHQDWDX3HUXVDKDDQ3XEOLN
GDODPPHPHQXKL SHUV\DUDWDQGDQNRQGLVL 6XNXN PLVDOQ\DUHVWUXNWXULVDVL6XNXN
GDQNRQGLVLGHIDXOW
8WDQJ6XERUGLQDVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D QDPDNUHGLWXUVLIDWLNDWDQMDQJNDZDNWXMHQLVPDWDXDQJGDQNLVDUDQVXNXEXQJD
NRQWUDNWXDOVHODPDSHULRGHSHODSRUDQ ¥
E WXMXDQSHUROHKDQQ\D
¥
F SHUV\DUDWDQWHUNDLWGHQJDQSHOXQDVDQXWDQJVXERUGLQDVL
¥
G NHMDGLDQSHQWLQJODLQQ\DDQWDUDODLQNHSDWXKDQ3HUXVDKDDQGDODPPHPHQXKL
SHUV\DUDWDQGDQNRQGLVLXWDQJ PLVDOQ\DUHVWUXNWXULVDVLXWDQJGDQNRQGLVLGHIDXOW ¥
H SHPEDWDVDQ\DQJGLSHUV\DUDWNDQGDODP .RQWUDN3HUZDOLDPDQDWDQGDQ ¥
I SHUV\DUDWDQSHQWLQJODLQQ\D
¥
2EOLJDVL.RQYHUVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
¥
D ULQFLDQPHQJHQDLMHQLVQLODLQRPLQDOGDQQLODLWHUFDWDWWDQJJDOMDWXKWHPSRMDGZDO
SHPED\DUDQEXQJDVXNXEXQJDEXUVDWHPSDWREOLJDVLNRQYHUVLGLFDWDWNDQGDQ
WXMXDQSHQHUELWDQQ\D
Page 55
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
E SHULRGHNRQYHUVLGDQSHUV\DUDWDQNRQYHUVLDQWDUDODLQPHOLSXWLUDVLRNRQYHUVLKDUJD ¥
SHODNVDQDDQKDNNRQYHUVLVHEHOXPMDWXKWHPSRVHUWDSHUV\DUDWDQQ\DGDQSHQDOWL
F GDPSDN GLOXVL DSDELOD VHOXUXKREOLJDVLGLNRQYHUVLNDQGHQJDQPHPSHUKDWLNDQ
¥
WLQJNDWNRQYHUVLDWDXKDUJDSHODNVDQDDQ H[HUFLVHSULFH \DQJSDOLQJPHQJXQWXQJNDQ
GDULVXGXWSDQGDQJSHPHJDQJREOLJDVLNRQYHUVL
G MXPODKREOLJDVL\DQJWHODKGLNRQYHUVLNDQGDQ GDPSDNGLOXVLQ\D ¥
H SHULQJNDWGDQQDPD3HUXVDKDDQ3HPHULQJNDW(IHN ¥
I MXPODKEDJLDQ\DQJDNDQMDWXKWHPSRGDODPZDNWX GXDEHODV EXODQ
¥
J QDPD:DOL$PDQDWGDQNHWHUNDLWDQXVDKDGHQJDQ3HUXVDKDDQ
K MDPLQDQVHUWDSHPEHQWXNDQGDQDXQWXNSHOXQDVDQXWDQJSRNRNREOLJDVLGHQJDQ ¥
PHQXQMXNSRVSRV\DQJEHUKXEXQJDQ MLNDDGD ¥
L NHMDGLDQSHQWLQJODLQQ\DDQWDUDODLQNHSDWXKDQ3HUXVDKDDQGDODPPHPHQXKL
¥
SHUV\DUDWDQGDQNRQGLVLXWDQJ PLVDOQ\DUHVWUXNWXULVDVLXWDQJGDQNRQGLVLGHIDXOW
M GDODPKDO3HUXVDKDDQPHQHUELWNDQREOLJDVLNRQYHUVLWDQSDPHODOXLSHQDZDUDQXPXP ¥
ZDMLEGLXQJNDSNDQWXMXDQSHQHUELWDQGDQQDPDSHPEHOL
¥
N NRPSRQHQ/LDELOLWDVGDULREOLJDVLNRQYHUVL
¥
O NHEHUDGDDQILWXUGHULYDWLIPHOHNDWGDQ
P SHUV\DUDWDQSHQWLQJODLQQ\D ¥
F (NXLWDV
(NXLWDV\DQJGDSDWGLDWULEXVLNDQNHSDGDSHPLOLNHQWLWDVLQGXN
0RGDO6DKDP
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D %DJLVHWLDSMHQLVVDKDPDQWDUDODLQ
5HNRQVLOLDVLMXPODKVDKDPEHUHGDUSDGDDZDOGDQDNKLUSHULRGH ¥ +DODPDQ
+DNNHLVWLPHZDDQGDQSHPEDWDVDQ\DQJPHOHNDWSDGDVHWLDSMHQLVVDKDP
WHUPDVXNSHPEDWDVDQDWDVGLYLGHQGDQSHPED\DUDQNHPEDOLDWDVPRGDOGDQ
6DKDP\DQJGLFDGDQJNDQXQWXNSHQHUELWDQGHQJDQKDNRSVLGDQNRQWUDN
SHQMXDODQVDKDPWHUPDVXNMXPODKGDQSHUV\DUDWDQ
E 3HQMHODVDQPHQJHQDLVLIDWGDQWXMXDQVHWLDSSRVFDGDQJDQGDODPHNXLWDV
¥
F 6XVXQDQSHPHJDQJVDKDP GHQJDQPHQJXQJNDSNDQMXPODKOHPEDUVDKDPGDQ
SHUVHQWDVHNHSHPLOLNDQ\DLWX
3HPHJDQJVDKDP\DQJPHPLOLNL OLPDSHUVHUDWXV DWDXOHELK
1DPDGLUHNWXUGDQNRPLVDULV\DQJPHPLOLNLVDKDPGDQ ¥
+DODPDQ
3HPHJDQJVDKDPODLQQ\D ¥
+DODPDQ
G 'DODPKDO WHUMDGLSHUXEDKDQPRGDOVDKDPGDODPSHULRGHEHUMDODQ
Page 56
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
.HSXWXVDQ\DQJEHUKXEXQJDQGHQJDQ SHUXEDKDQPRGDOVDKDPWHUVHEXW ¥ +DODPDQ
VHSHUWLSHQJHVDKDQ0HQWHUL+XNXPGDQ+DN$VDVL0DQXVLDSHUVHWXMXDQ ¥
GDQDWDXSHPEHULWDKXDQ0HQWHULWHUNDLWGDQNHSXWXVDQ5DSDW8PXP
3HPHJDQJ6DKDP 5836
6XPEHUSHQLQJNDWDQPRGDOVDKDPDQWDUDODLQGDULNDSLWDOLVDVLDJLR VDOGRODED
SHQHUELWDQVDKDPEDUXGDUL3HQDZDUDQ8PXPGHQJDQGDQDWDXWDQSD+DN
0HPHVDQ(IHN7HUOHELK'DKXOX ULJKWLVVXHGDQSULYDWHSODFHPHQW SHODNVDQDDQ ¥
ZDUDQVHUWDNRQYHUVLREOLJDVLGDQ
7XMXDQSHUXEDKDQPRGDOVDKDPDQWDUDODLQGDODPUDQJNDHNVSDQVL
SHQ\HOHVDLDQSLQMDPDQDWDXSHPHQXKDQNHFXNXSDQPRGDO
H 'DODPKDOKDQ\DVHEDJLDQVDKDP3HUXVDKDDQ\DQJGLFDWDWNDQGL%XUVD(IHNDJDU ¥
GLVHEXWNDQMXPODKVDKDP\DQJGLFDWDWNDQGDQ\DQJWLGDNGLFDWDWNDQSDGD%XUVD
¥
(IHN
7DPEDKDQ0RGDO'LVHWRU $GGLWLRQDO3DLGLQ&DSLWDO
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 5LQFLDQMXPODKWDPEDKDQPRGDOGLVHWRU ¥ +DODPDQ
E 8UDLDQVXPEHUDJLRVDKDP ¥ +DODPDQ
F 5LQFLDQELD\DHPLVL(IHNHNXLWDVEHUGDVDUNDQSHQHUELWDQ(IHNHNXLWDV +DODPDQ
¥
G 8UDLDQPHQJHQDL VLIDWGDQ DVDO VHOLVLKNXUVDWDVPRGDOGLVHWRU
H 8UDLDQPHQJHQDL VLIDWGDQDVDO WDPEDKDQPRGDOGLVHWRUODLQQ\D ¥
I 3HQJXQJNDSDQXQWXNVHOLVLKQLODL WUDQVDNVLGHQJDQHQWLWDVVHSHQJHQGDOLDQWDUDODLQ ¥
1DPDGDQSHQMHODVDQ WHQWDQJ HQWLWDVDWDXELVQLV\DQJEHUNRPELQDVL
3HQMHODVDQPHQJHQDLKXEXQJDQ VHSHQJHQGDOL GDULHQWLWDVHQWLWDV\DQJ
EHUWUDQVDNVLGDQEDKZDKXEXQJDQWHUVHEXWWLGDNEHUVLIDWVHPHQWDUD
7DQJJDOHIHNWLIWUDQVDNVL
2SHUDVLDWDXNHJLDWDQELVQLV\DQJWHODKGLSXWXVNDQXQWXNGLMXDODWDXGLKHQWLNDQ
DNLEDW NRPELQDVL ELVQLVWHUVHEXW
.HSHPLOLNDQHQWLWDVDWDXELVQLV\DQJ GLDOLKNDQ VHUWDMHQLVGDQMXPODKLPEDODQ
\DQJWHUMDGL
1LODLWHUFDWDWELVQLV\DQJ GLNRPELQDVLNDQDWDXGLDOLKNDQ VHUWDVHOLVLKDQWDUDQLODL
WHUFDWDW WHUVHEXWGHQJDQMXPODKLPEDODQ\DQJ GLVHUDKNDQDWDXGLWHULPDGDQ
3HQ\DMLDQNHPEDOLODSRUDQNHXDQJDQ\DQJPHPEHULNDQLQIRUPDVLDQWDUDODLQ ¥
D ,NKWLVDUDQJNDDQJNDODSRUDQNHXDQJDQ\DQJWHODKGLODSRUNDQVHEHOXPQ\D
XQWXNSHULRGH\DQJGLVDMLNDQNHPEDOL
E ,NKWLVDUMXPODK WHUFDWDW$VHWGDQ/LDELOLWDV HQWLWDVDWDXELVQLV\DQJ
GLNRPELQDVLNDQ
Page 57
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F 'DPSDNSHQ\HVXDLDQNHELMDNDQDNXQWDQVLGDQ ¥
G ,NKWLVDUDQJNDDQJNDODSRUDQNHXDQJDQVHWHODKGLVDMLNDQNHPEDOL
6HOLVLK7UDQVDNVLGHQJDQ3LKDN1RQSHQJHQGDOL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 8UDLDQWUDQVDNVLSHUXEDKDQNHSHPLOLNDQWDQSDKLODQJQ\D3HQJHQGDOLDQ\DQJPHOLSXWL ¥ +DODPDQ
-HQLVWUDQVDNVLGDQSHUXEDKDQSHUVHQWDVHNHSHPLOLNDQ
1DPDHQWLWDVDQDNGDQ ¥
1DPDSLKDN\DQJEHUWUDQVDNVL
¥
E 3HUKLWXQJDQVHOLVLKWUDQVDNVLSHUXEDKDQNHSHPLOLNDQWDQSDKLODQJQ\D3HQJHQGDOLDQ +DODPDQ
GDQ
F -XPODK\DQJGLUHDOLVDVLNHODEDUXJLDWDVSHOHSDVDQLQYHVWDVLSDGDVDDWKLODQJQ\D
3HQJHQGDOLDQ ¥
6DKDP7UHDVXUL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
D /DWDU EHODNDQJSHPEHOLDQNHPEDOLVDKDPSHOHSDVDQ DWDXSHQJXUDQJDQPRGDO
GLVHWRU
E 7DQJJDODWDXSHULRGHSHUROHKDQVHUWDMXPODKOHPEDUGDQQLODLVDKDPWUHDVXUL\DQJ
GLSHUROHK
F 7DQJJDOGDQMXPODKVDKDPWUHDVXUL\DQJGLJXQDNDQVHEDJDLSHQJXUDQJDQPRGDO
GLVHWRU
G 7DQJJDOGDQMXPODKVDKDPWUHDVXUL\DQJGLOHSDVNDQNHPEDOLVHUWDVHOLVLKDQWDUD
KDUJDSHUROHKDQGHQJDQKDUJDSHOHSDVDQVDKDPWUHDVXULGDQ
H $NXPXODVLMXPODKOHPEDUGDQQLODLVDKDPWUHDVXUL
6DOGR/DED
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D $ODVDQGDQMXPODKSHQ\HVXDLDQSHULRGH\DQJODOX MLNDDGD ¥
E 3HUXEDKDQVDOGRODEDSDGDSHULRGHEHUVDQJNXWDQGDQSHUVHWXMXDQ5836\DQJWHUNDLW ¥
GDQ
F 6DOGRODED\DQJGLWHQWXNDQSHQJJXQDDQQ\DVLIDW GDQWXMXDQVHWLDSSRVFDGDQJDQ ¥
:DUDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
D MHQLVZDUDQGDQKDUJDSHODNVDQDDQGDULPDVLQJPDVLQJZDUDQ
E GDVDUSHQHQWXDQ1LODL:DMDUZDUDQ
F QLODLZDUDQ\DQJEHOXPGDQWLGDNGLODNVDQDNDQ NDGDOXZDUVD
Page 58
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
G MXPODKZDUDQ\DQJGLWHUELWNDQGDQEHUHGDUVHUWDGDPSDNGLOXVLQ\DGDQ
H LNDWDQLNDWDQ\DQJWHUNDLWGHQJDQSHQHUELWDQZDUDQ
3HQGDSDWDQ.RPSUHKHQVLI/DLQQ\D
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQNHWHUDQJDQPHQJHQDLSHUXEDKDQPDVLQJPDVLQJ ¥ +DODPDQ
NRPSRQHQSHQGDSDWDQNRPSUHKHQVLIODLQQ\D
.HSHQWLQJDQ1RQSHQJHQGDOL ¥ +DODPDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQEDJLDQSHPHJDQJVDKDPQRQSHQJHQGDOLDWDV
HNXLWDVPDVLQJPDVLQJHQWLWDVDQDN\DQJWLGDNGDSDWGLDWULEXVLNDQVHFDUDODQJVXQJDWDX
WLGDNODQJVXQJSDGDHQWLWDVLQGXN
G /DED5XJL.RPSUHKHQVLI
3HQGDSDWDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D -XPODKVHWLDSNDWHJRUL VLJQLILNDQGDULSHQGDSDWDQ\DQJGLDNXLVHODPDSHULRGH
WHUPDVXNSHQGDSDWDQ\DQJEHUDVDOGDUL
3HQMXDODQEDUDQJ ¥
3HQMXDODQMDVD
¥ +DODPDQ
%XQJD ¥
5R\DOWLGDQDWDX ¥
+DODPDQ
'LYLGHQ
¥
GLXQJNDSNDQVHFDUDWHUSLVDKEHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
E 5LQFLDQMXPODKGDULNHORPSRNSURGXNMDVDXWDPD ¥ +DODPDQ
F 1DPDSLKDNSHPEHOLGDQMXPODKQLODLSHQMXDODQ\DQJPHOHELKL VHSXOXK ¥
+DODPDQ
SHUVHUDWXV GDULSHQGDSDWDQ
G -XPODKSHQGDSDWDQ\DQJEHUDVDOGDULSHUWXNDUDQEDUDQJDWDXMDVD\DQJWHUFDNXS
GDODPVHWLDSNDWHJRULVLJQLILNDQGDULSHQGDSDWDQ MLNDDGD \DQJGLXQJNDSNDQWHUSLVDK ¥
EHUGDVDUNDQSLKDNEHUHODVLGDQSLKDNNHWLJD
H .KXVXVXQWXNNRQWUDNNRQVWUXNVLGLXQJNDSNDQDQWDUDODLQ
3HQGDSDWDQNRQWUDNNRQVWUXNVL
¥
D -XPODKSHQGDSDWDQNRQWUDN\DQJGLDNXLVHEDJDLSHQGDSDWDQGDODPSHULRGH
EHUMDODQ
E 0HWRGH\DQJGLJXQDNDQXQWXNPHQHQWXNDQSHQGDSDWDQNRQWUDN\DQJGLDNXL
GDODPSHULRGHEHUMDODQGDQ
Page 59
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F 0HWRGH\DQJGLJXQDNDQXQWXNPHQHQWXNDQWDKDSSHQ\HOHVDLDQNRQWUDN
3HNHUMDDQ GDODP SURVHVSHQ\HOHVDLDQSDGDWDQJJDODNKLUSHULRGHSHODSRUDQ
D -XPODKDJUHJDWELD\D\DQJWHUMDGLGDQODEDUXJL \DQJGLDNXLVDPSDLWDQJJDO ¥
SHODSRUDQ
E -XPODKXDQJPXND\DQJGLWHULPDGDQ
F -XPODKUHWHQVL
¥
-XPODKWDJLKDQGDQXWDQJEUXWRNHSDGDSHPEHULNHUMDPDVLQJPDVLQJVHEDJDL
$VHWGDQ/LDELOLWDV
I 'DODPKDO 3HUXVDKDDQPHPLOLNLWUDQVDNVLKXEXQJDQNHDJHQDQGLXQJNDSNDQVHFDUD
WHUSLVDKDQWDUDODLQ ¥
3HQMXDODQELDVDGDQSHQMXDODQGDULKXEXQJDQNHDJHQDQ
3HQGDSDWDQNRPLVL\DQJGLSHUROHK3HUXVDKDDQVHEDJDLDJHQGDULWUDQVDNVL
NHDJHQDQGHQJDQSHQGDSDWDQODLQQ\DGDQ
3HULQFLDQGDULNRPSRQHQSHQGDSDWDQQHWR \DQJGLSHUROHK3HUXVDKDDQVHEDJDL ¥
SULQVLSDOGDULWUDQVDNVLNHDJHQDQ\DQJDQWDUDODLQWHUGLULGDUL
D 3HQGDSDWDQEUXWR
E 5HWXUUDEDWGLVNRQWHUNDLWGDQ
F 7RWDOSHQGDSDWDQQHWR
.KXVXV,QGXVWUL\DQJ7DULIQ\D'LDWXUROHK5HJXODWRU
.HWHQWXDQ7DULI
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
D 'DVDUNHWHQWXDQWDULI
E 2EMHNDWDXDNWLYLWDV\DQJGLNHQDNDQWDULI
F 0DVDEHUODNXWDULI
G %HVDUDQWDULIGDQ
H 3HUMDQMLDQODLQ\DQJWHUNDLW
.KXVXV,QGXVWULSHPELD\DDQ
¥
5LQFLDQMXPODKEHUGDVDUNDQNHORPSRNSURGXNMDVDXWDPDDQWDUDODLQ
D 3HQGDSDWDQSHPELD\DDQNRQVXPHQ
E 3HQGDSDWDQDQMDNSLXWDQJGDQ
F 3HQGDSDWDQVHZD
.KXVXV,QGXVWUL5XPDK6DNLW
¥
7HUGLULGDUL
-DVDSHOD\DQDQPHGLVMDVDSHQXQMDQJODLQQ\DMDVDGRNWHUUDZDWLQDSUDZDWMDODQGDQ
Page 60
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SHQXQMDQJPHGLV
5LQFLDQSHQJXUDQJSHQGDSDWDQDQWDUDODLQ
D 5HVWLWXVL
E 6XEVLGLWLGDNPDPSXGDQ
F 6HOLVLKSHUKLWXQJDQNODLP
.KXVXV,QGXVWUL7UDQVSRUWDVL
5LQFLDQMXPODKGDULNHORPSRNSURGXNMDVDXWDPDDQWDUDODLQ
D 5LQFLDQSHQGDSDWDQEHUVLKMDVDWUDQVSRUWDVL ¥
E 5LQFLDQSHQGDSDWDQXVDKDGDULMDVDSHQ\HZDDQDODWWUDQVSRUWDVL
F 5LQFLDQSHQGDSDWDQXVDKDGDULMDVDHNVSHGLVL
G 5LQFLDQSHQGDSDWDQXVDKDGDULNHDJHQDQGDQ
H 5LQFLDQSHQGDSDWDQGLSLVDKNDQVHVXDLGHQJDQMHQLVQ\DDUPDGD EXVWDNVLIHULWDQNHU
GDQSHVDZDWXGDUD GHQJDQNHWHQWXDQPHPLVDKNDQDWDVGDVDUNHSHPLOLNDQDUPDGD
WHUVHEXW
.KXVXV,QGXVWUL7HOHNRPXQLNDVL
5LQFLDQSHQGDSDWDQXVDKDDQWDUDODLQSHQGDSDWDQXVDKDMDVDLQWHUNRQHNVLMDVD ¥
WHOHNRPXQLNDVLVHQGLULMDVDWHOHNRPXQLNDVL\DQJGLODNVDQDNDQPHODOXLNHUMDVDPDGHQJDQ
SLKDNODLQ
.KXVXV,QGXVWUL$VXUDQVL
3HQGDSDWDQ3UHPL ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQGDQMXPODKEHUGDVDUNDQNHORPSRNSUHPLEUXWR
SUHPLUHDVXUDQVLGDQSHQXUXQDQ NHQDLNDQ SUHPL\DQJEHOXPPHUXSDNDQSHQGDSDWDQ
XQWXNVHWLDSMHQLVDVXUDQVL
&DWDWDQPHQ\HVXDLNDQGHQJDQ36$.\DQJEHUODNX 36$.GDQ
.KXVXV,QGXVWUL-DODQ7RO
¥
3HQGDSDWDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 3HQMXDODQPHOLSXWLULQFLDQSHQGDSDWDQMDVDWROVHQGLULULQFLDQSHQGDSDWDQMDVDODLQ
GDQULQFLDQSHQGDSDWDQNHUMDVDPDRSHUDVL
E -LNDSHUXVDKDDQPHPLOLNLKDNSHQ\HOHQJJDUDDQVHMXPODKUXDVMDODQWROPDND
SHQGDSDWDQXVDKDXQWXNVHWLDSUXDVMDODQWROWHUVHEXWKDUXVGLXQJNDSNDQ
.KXVXV,QGXVWUL3HUEDQNDQ ¥
Page 61
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
3HQGDSDWDQ%XQJD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
3HQGDSDWDQEXQJD\DQJGDSDWWHUGLULGDULGDQWLGDNWHUEDWDVSDGD
D 2EOLJDVL3HPHULQWDK ¥
E .UHGLWGHQJDQSHQJXQJNDSDQWDPEDKDQXQWXNSURYLVLGDQNRPLVL\DQJGLDNXL
¥
F (IHNHIHNGDQ
G 3HQHPSDWDQSDGD%DQN,QGRQHVLDGDQ%DQNODLQ ¥
%HEDQ3RNRN3HQMXDODQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 8QWXNSHUXVDKDDQPDQXIDNWXUGLXQJNDSNDQEHEDQSRNRNSURGXNVL\DQJGLULQFL ¥
%LD\DEDKDQEDNX
%LD\DWHQDJDNHUMDGDQ
%LD\DRYHUKHDG
GLWDPEDKGDQGLNXUDQJLVDOGRDZDOGDQDNKLUSHUVHGLDDQ
E 1DPDSLKDNSHQMXDOGDQQLODLSHPEHOLDQ\DQJPHOHELKL VHSXOXKSHUVHUDWXV GDUL
¥
SHQGDSDWDQGDQ
F 8QWXNLQGXVWULMDVDGLXQJNDSNDQEHEDQSRNRNEHUGDVDUNDQSDGDMDVD\DQJGLMXDO ¥
.KXVXV,QGXVWUL5XPDK6DNLW
%HEDQ'HSDUWHPHQWDOLVDVL%HEDQ2SHUDVLRQDO ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQEHEDQGHSDUWHPHQWDOLVDVL
D %HEDQEDKDQ
E %HEDQMDVDSHOD\DQDQ
F %HEDQSHJDZDL
G %HEDQSHQ\XVXWDQVDUDQDPHGLV
H %HEDQSHPHOLKDUDDQVDUDQD
I %HEDQDVXUDQVL
J %HEDQODQJJDQDQGD\DGDQMDVD
K %HEDQGHSUHVLDVL
.KXVXV,QGXVWUL$VXUDQVL
¥
D %HEDQ.ODLP$VXUDQVL.HUXJLDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQGDQMXPODKEHUGDVDUNDQNHORPSRNNODLP
EUXWRNODLPUHDVXUDQVLGDQNHQDLNDQ SHQXUXQDQ HVWLPDVLNODLPUHWHQVLVHQGLULXQWXN
Page 62
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
VHWLDSMHQLVDVXUDQVL
E %HEDQ.ODLP$VXUDQVL-LZD ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQGDQMXPODKEHEDQPHQXUXWMHQLVNODLPGDQPDQIDDWGLDQWDUDQ\DNODLPMDWXK
WHPSRNODLPQLODLWXQDLGDQNODLPNHPDWLDQ
F .RPLVL1HWR ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQGDQMXPODKEHUGDVDUNDQNHORPSRN
SHQGDSDWDQNRPLVLGDQEHEDQNRPLVLXQWXNVHWLDSMHQLVDVXUDQVL
G +DVLO,QYHVWDVL ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQGDQMXPODKPHQXUXWMHQLVLQYHVWDVL
.KXVXV,QGXVWUL3HUKRWHODQ
¥
%HEDQ'HSDUWHPHQWDOLVDVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 5LQFLDQMXPODKXQVXUXQVXUEHEDQGHSDUWHPHQWDOLVDVL
E *DMLGDQEHEDQSHJDZDLODLQQ\DGDQ
F 5LQFLDQMXPODKXQVXUXQVXUEHEDQGHSDUWHPHQODLQQ\D
%HEDQ8VDKD
<DQJKDUXVGLXQJNDSNDQ ULQFLDQVLIDWEHEDQEHUGDVDUNDQNDWHJRULIXQJVLQ\D\DLWXDQWDUD
ODLQ
¥
D %HEDQSHQMXDODQ
¥
E %HEDQGLVWULEXVLGDQ
F %HEDQXPXPGDQDGPLQLVWUDVL ¥ +DODPDQ
.KXVXV,QGXVWUL3HUEDQNDQ ¥
D %HEDQ%XQJD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMXPODKEHEDQEXQJDEHUGDVDUNDQNHORPSRN
SURGXNMDVDXWDPD
E %HEDQ3URYLVLGDQ.RPLVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMXPODKEHEDQEHEDQSURYLVLGDQNRPLVL
EHUGDVDUNDQNHORPSRNSURGXNMDVDXWDPD
.KXVXV,QGXVWUL3HPELD\DDQ ¥
%HEDQ.HUXJLDQ3HQXUXQDQ1LODL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQMXPODKEHEDQNHUXJLDQSHQXUXQDQQLODLXQWXNPDVLQJ
Page 63
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
PDVLQJDNXQ3LXWDQJ3HPELD\DDQ.RQVXPHQ7DJLKDQ$QMDN3LXWDQJGDQ3LXWDQJ6HZD
3HPELD\DDQ
3HQGDSDWDQGDQ%HEDQ/DLQQ\D
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D ULQFLDQGDQMXPODK3HQGDSDWDQODLQQ\D ¥
+DODPDQ
¥ +DODPDQ
E ULQFLDQGDQMXPODK%HEDQODLQQ\D ¥
¥
F 8QWXN%LD\D.HXDQJDQPHOLSXWL
ELD\DSLQMDPDQPHOLSXWL
D EHEDQNHXDQJDQ\DQJGLKLWXQJGHQJDQPHQJJXQDNDQPHWRGHVXNXEXQJD ¥ +DODPDQ
HIHNWLI
E EHEDQNHXDQJDQGDODPVHZDSHPELD\DDQ\DQJGLDNXLVHVXDL6$.\DQJ ¥ +DODPDQ
EHUODNXGDQ
F VHOLVLKNXUV\DQJEHUDVDOGDULSLQMDPDQGDODPPDWDXDQJDVLQJVHSDQMDQJ
¥
VHOLVLKNXUVWHUVHEXWGLSHUODNXNDQVHEDJDLSHQ\HVXDLDQWHUKDGDSEXQJD +DODPDQ
ELD\DNHXDQJDQODLQQ\D\DQJ WHUMDGLGDULWUDQVDNVLLQVWUXPHQNHXDQJDQPHOLSXWL
D UXJLSHQXUXQDQQLODLGDULNXRWDVLDWDVLQYHVWDVLWHUVHGLDXQWXNGLMXDO
¥
E UXJLQHWRGDULLQVWUXPHQNHXDQJDQ\DQJGLDNXLSDGD1LODL:DMDUPHODOXLODED
UXJLGDQ ¥
F DPRUWLVDVLSUHPLGLVNRQWRNRQWUDNEHUMDQJND\DQJEHUWXMXDQXQWXNOLQGXQJ
QLODL
¥
G 8QWXN%DJLDQ/DED5XJLGDUL(QWLWDV$VRVLDVLGDQDWDX9HQWXUD%HUVDPDPHOLSXWL
EDJLDQODEDUXJLGDULPDVLQJPDVLQJHQWLWDVDVRVLDVLGDQDWDX9HQWXUD%HUVDPD
\DQJGLFDWDWGHQJDQPHQJJXQDNDQPHWRGHHNXLWDVGDQ ¥
EDJLDQODEDUXJLGDULHQWLWDVDVRVLDVLGDULRSHUDVL\DQJGLKHQWLNDQ\DQJ
GLXQJNDSNDQVHFDUDWHUSLVDK
¥
.KXVXV,QGXVWUL3HUEDQNDQ
D %HEDQ3HQ\LVLKDQ3HQXUXQDQ1LODLDWDV$VHW.HXDQJDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMXPODKEHUGDVDUNDQMHQLVDVHWNHXDQJDQ ¥
E .HXQWXQJDQ .HUXJLDQ GDULNHQDLNDQ SHQXUXQDQ QLODLVXUDWVXUDWEHUKDUJD
¥
GDQ2EOLJDVL5HNDSLWDOLVDVL3HPHULQWDK
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMXPODKEHUGDVDUNDQMHQLV
¥
F .HXQWXQJDQ .HUXJLDQ 3HQMXDODQ6XUDWVXUDW%HUKDUJDGDQ2EOLJDVL5HNDSLWDOLVDVL
3HPHULQWDK
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQULQFLDQMXPODKEHUGDVDUNDQMHQLV
Page 64
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
3HQGDSDWDQ.RPSUHKHQVLI/DLQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D SHUXEDKDQGDODPVXUSOXVUHYDOXDVL$VHW7HWDSPDXSXQ $VHW7DNEHUZXMXG
¥
¥ +DODPDQ
E NHXQWXQJDQGDQNHUXJLDQDNWXDULDODWDVSURJUDPPDQIDDWSDVWL
F VHOLVLKNXUVNDUHQDSHQMDEDUDQODSRUDQNHXDQJDQ ¥
¥
G NHXQWXQJDQ NHUXJLDQ GDULDVHWNHXDQJDQWHUVHGLDXQWXNGLMXDO
H EDJLDQHIHNWLIGDULNHXQWXQJDQGDQNHUXJLDQLQVWUXPHQOLQGXQJQLODLGDODPUDQJND
OLQGXQJQLODLDUXVNDVGDQ ¥
EDJLDQ SHQGDSDWDQNRPSUHKHQVLIODLQGDULHQWLWDVDVRVLDVLGDQDWDX9HQWXUD%HUVDPD
3DMDN3HQJKDVLODQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D NRPSRQHQEHEDQ SHQJKDVLODQ SDMDN\DQJWHUGLULGDUL
EHEDQ SHQJKDVLODQ SDMDNNLQL ¥ +DODPDQ
¥
SHQ\HVXDLDQ\DQJGLDNXLSDGDSHULRGHDWDVSDMDNNLQL\DQJEHUDVDOGDULSHULRGH
ODOX
MXPODKEHEDQ SHQJKDVLODQ SDMDNWDQJJXKDQ\DQJEHUDVDOGDULSHUEHGDDQ ¥ +DODPDQ
WHPSRUHUGDQSHPEDOLNDQQ\D
MXPODKEHEDQ SHQJKDVLODQ SDMDNWDQJJXKDQWHUNDLWGHQJDQSHUXEDKDQWDULI
¥ +DODPDQ
SDMDNDWDXSHQHUDSDQSHUDWXUDQSHUSDMDNDQ\DQJEDUX
MXPODKPDQIDDW\DQJEHUDVDO GDULUXJLSDMDN\DQJWLGDNGLDNXLVHEHOXPQ\D ¥
DWDXSHUEHGDDQWHPSRUHUVXDWXSHULRGHODOX\DQJGLJXQDNDQXQWXNPHQJXUDQJL
EHEDQSDMDNNLQLGDQEHEDQSDMDNWDQJJXKDQ
EHEDQSDMDNWDQJJXKDQ\DQJGLVHEDENDQROHKSHQXUXQDQDWDXSHPEDOLNDQ
¥
SHQXUXQDQVHEHOXPQ\DDWDVDVHWSDMDNWDQJJXKDQGDQ
MXPODKEHEDQ SHQJKDVLODQ WHUNDLWGHQJDQSHUXEDKDQNHELMDNDQDNXQWDQVLGDQ
¥
NHVDODKDQ\DQJGLSHUKLWXQJNDQGDODPODSRUDQODEDUXJLNRPSUHKHQVLI
GLNDUHQDNDQWLGDNGDSDWGLSHUODNXNDQVHFDUDUHWURVSHNWLI
E DJUHJDWSDMDNNLQLGDQSDMDNWDQJJXKDQWHUNDLWGHQJDQWUDQVDNVL\DQJGLEHEDQNDQ ¥
DWDXGLNUHGLWNDQODQJVXQJNHHNXLWDV
F MXPODKSDMDNSHQJKDVLODQWHUNDLWGHQJDQVHWLDSNRPSRQHQSHQGDSDWDQNRPSUHKHQVLI
ODLQNHFXDOLXQWXNEDJLDQSHQGDSDWDQNRPSUHKHQVLIODLQGDULHQWLWDVDVRVLDVL ¥
GDQDWDX9HQWXUD%HUVDPD
G SHQMHODVDQKXEXQJDQDQWDUDEHEDQ SHQJKDVLODQ SDMDNGDQODEDDNXQWDQVLGDODP
VDWXDWDXNHGXDEHQWXNEHULNXWLQL
Page 65
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
UHNRQVLOLDVLDQWDUDEHEDQ SHQJKDVLODQ SDMDNGDQKDVLOSHUNDOLDQODEDDNXQWDQVL ¥
GHQJDQWDULISDMDN\DQJEHUODNXGHQJDQPHQJXQJNDSNDQGDVDUSHUKLWXQJDQ
WDULISDMDN\DQJEHUODNXDWDX
¥
UHNRQVLOLDVLDQWDUDWDULISDMDNHIHNWLIUDWDUDWDGDQWDULISDMDN\DQJEHUODNX
GHQJDQPHQJXQJNDSNDQGDVDUSHUKLWXQJDQWDULISDMDN\DQJEHUODNX
H SHQMHODVDQPHQJHQDLSHUXEDKDQWDULISDMDN\DQJEHUODNXGDQSHUEDQGLQJDQGHQJDQ ¥
WDULISDMDN\DQJEHUODNXSDGDSHULRGHDNXQWDQVLVHEHOXPQ\D
¥
I MXPODK GDQEDWDVZDNWXSHQJJXQDDQMLNDDGD SHUEHGDDQWHPSRUHU\DQJGDSDW
GLNXUDQJNDQGDQUXJLSDMDNEHOXPGLNRPSHQVDVL\DQJWLGDNGLDNXLVHEDJDLDVHWSDMDN
WDQJJXKDQGDODPODSRUDQNHXDQJDQ
J MXPODKDJUHJDWSHUEHGDDQWHPSRUHU\DQJWHUNDLWGHQJDQLQYHVWDVLSDGDHQWLWDVDQDN
¥
FDEDQJHQWLWDVDVRVLDVLGDQEDJLDQSDUWLVLSDVLGDODP9HQWXUD%HUVDPDDWDVOLDELOLWDV
SDMDNWDQJJXKDQ\DQJEHOXPGLDNXL
K UHNRQVLOLDVLILVNDOGDQSHUKLWXQJDQEHEDQSDMDNNLQLGHQJDQFDUDVHEDJDLEHULNXW
ODEDVHEHOXPSDMDNPHQXUXWDNXQWDQVL
GLWDPEDKGLNXUDQJLNRUHNVLSRVLWLIDWDXQHJDWLI GLULQFL GDQ +DODPDQ
ODEDNHQDSDMDN
L SHUKLWXQJDQEHEDQGDQOLDELOLWDVSDMDNNLQLGHQJDQPHQHUDSNDQWDULISDMDNVHVXDL ¥ +DODPDQ
GHQJDQNHWHQWXDQSHUXQGDQJXQGDQJDQSDMDN\DQJEHUODNX
M SHUQ\DWDDQEDKZD ODEDNHQDSDMDN KDVLOUHNRQVLOLDVLPHQMDGLGDVDUGDODPSHQJLVLDQ
¥
6377DKXQDQ33K%DGDQ
N VHWLDSMHQLVSHUEHGDDQWHPSRUHUGDQVHWLDSMHQLVUXJLSDMDN\DQJEHOXP
¥ +DODPDQ
GLNRPSHQVDVL
MXPODKDVHWGDQOLDELOLWDVSDMDNWDQJJXKDQ\DQJGLDNXLSDGDODSRUDQSRVLVL
¥ +DODPDQ
NHXDQJDQXQWXNSHULRGHVDMLDQGDQ
MXPODKEHEDQ SHQJKDVLODQ SDMDNWDQJJXKDQ\DQJGLDNXLGDODPODEDUXJL
DSDELOD MXPODKWHUVHEXWWLGDNWHUOLKDWGDULSHUXEDKDQMXPODKDVHWDWDXOLDELOLWDV
SDMDNWDQJJXKDQ\DQJGLDNXLGDODPODSRUDQSRVLVLNHXDQJDQ ¥
+DODPDQ
O EHEDQSDMDNWHUNDLWGHQJDQRSHUDVL\DQJGLKHQWLNDQ ¥
NHXQWXQJDQDWDXNHUXJLDQDWDVSHQJKHQWLDQGDQ
ODEDUXJLGDUL NHJLDWDQQRUPDODWDVRSHUDVL\DQJGLKHQWLNDQVHODPDSHULRGH
EHUVDPDGHQJDQMXPODK WHUNDLWXQWXNVHWLDSSHULRGHVDMLDQ
P MXPODKNRQVHNXHQVLSDMDNSHQJKDVLODQDWDVGLYLGHQNHSDGDSHPHJDQJVDKDP ¥
3HUXVDKDDQ\DQJGLXVXONDQDWDXGLXPXPNDQVHEHOXP /DSRUDQ.HXDQJDQ'LRWRULVDVL
XQWXN7HUELWQDPXQWLGDNGLDNXLVHEDJDL /LDELOLWDVGDODPODSRUDQNHXDQJDQ ¥
¥
Q XUDLDQMXPODKSHUXEDKDQSDGDMXPODKSHQJDNXDQXQWXNDVHWSDMDNWDQJJXKDQ
Page 66
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SUDDNXLVLVL DSDELOD 3HUXVDKDDQDGDODKSLKDNSHQJDNXLVLVLGDODPVXDWXNRPELQDVL
ELVQLV
¥
R SHULVWLZDDWDXSHUXEDKDQNHDGDDQ\DQJPHQ\HEDENDQPDQIDDWSDMDNWDQJJXKDQ
ZDMLE GLDNXL DSDELODPDQIDDWSDMDNWDQJJXKDQ\DQJGLSHUROHKGDUL NRPELQDVLELVQLV
WLGDNGLDNXLSDGDWDQJJDODNXLVLVLWHWDSLGLDNXLVHWHODKWDQJJDODNXLVLVLGDQ
¥
S MXPODKDVHWSDMDNWDQJJXKDQGDQDODVDQDWDXEXNWL\DQJPHQGXNXQJSHQJDNXDQDWDV
DVHWSDMDNWDQJJXKDQDSDELOD ¥
+DODPDQ
SHQJJXQDDQDVHWSDMDNWDQJJXKDQEHUJDQWXQJSDGDNRQGLVLODEDNHQDSDMDN
PHQGDWDQJ OHELKEHVDUGDUL ODEDSHPEDOLNDQSHUEHGDDQWHPSRUHUNHQDSDMDN ¥
\DQJWHODKDGDGDQ
HQWLWDVPHQJDODPLNHUXJLDQSDGDSHULRGHNLQLDWDXSHULRGHVHEHOXPQ\D\DQJ
PHQJDNLEDWNDQGLDNXLQ\DDVHWSDMDNWDQJJXKDQ WHUNDLW
/DED 5XJL SHU6DKDP'DVDUGDQ'LOXVLDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D MXPODK\DQJGLJXQDNDQVHEDJDLSHPELODQJGDODPSHQJKLWXQJDQODEDSHUVDKDPGDVDU
GDQGLOXVLDQGDQUHNRQVLOLDVLMXPODKWHUVHEXWWHUKDGDSODEDDWDXUXJL\DQJGDSDW ¥ +DODPDQ
GLDWULEXVLNDQNHSDGDHQWLWDVLQGXNXQWXNSHULRGHWHUVHEXW5HNRQVLOLDVLWHUVHEXW
PHQFDNXSGDPSDNLQGLYLGXDOGDULVHWLDS MHQLV LQVWUXPHQ\DQJPHPSHQJDUXKLODEDSHU
VDKDP
¥ +DODPDQ
E MXPODKUDWDUDWDWHUWLPEDQJVDKDPELDVD\DQJGLJXQDNDQVHEDJDLSHQ\HEXWGDODP
SHQJKLWXQJDQODEDSHUVDKDPGDVDUGDQGLOXVLDQGDQUHNRQVLOLDVLSHQ\HEXWWHUVHEXW
5HNRQVLOLDVLWHUVHEXWPHQFDNXSGDPSDNLQGLYLGXDOGDULVHWLDSMHQLVLQVWUXPHQ\DQJ
PHPSHQJDUXKLODEDSHUVDKDP
F LQVWUXPHQ WHUPDVXNVDKDP\DQJGDSDWGLWHUELWNDQVHFDUDNRQWLQMHQ \DQJEHUSRWHQVL
¥
PHQGLOXVLODEDSHUVDKDPGDVDUGLPDVDGHSDQQDPXQWLGDNGLPDVXNNDQGDODP
SHQJKLWXQJDQODEDSHUVDKDPGLOXVLDQNDUHQDLQVWUXPHQWHUVHEXWEHUVLIDWDQWLGLOXWLI
XQWXNSHULRGHVDMLDQ
G SHQMHODVDQWUDQVDNVLVDKDPELDVDDWDXWUDQVDNVLLQVWUXPHQEHUSRWHQVLVDKDPELDVD
VHODLQ\DQJGLKLWXQJVHVXDLGHQJDQ6$.\DQJEHUODNX\DQJWHUMDGLVHWHODKSHULRGH ¥
SHODSRUDQGDQDNDQVHFDUDVLJQLILNDQPHQJXEDKMXPODKVDKDPELDVDDWDXLQVWUXPHQ
EHUSRWHQVLVDKDPELDVD\DQJEHUHGDUSDGDDNKLUSHULRGHWHUVHEXWVHDQGDLQ\DWUDQVDNVL
GLPDNVXGWHUMDGLVHEHOXPDNKLUSHULRGHSHODSRUDQGDQ
H ODEDSHUVDKDPGDVDUGDQGLOXVLDQXQWXNRSHUDVL\DQJGLKHQWLNDQ
¥
7UDQVDNVL3LKDN%HUHODVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D 3HQJXQJNDSDQPHQJHQDLWUDQVDNVLDWDXVDOGRGHQJDQSLKDNEHUHODVL\DQJ
Page 67
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
MXPODKQ\D
OHELKGDUL5S VDWXPLOLDUUXSLDK XQWXNWUDQVDNVLGHQJDQ ¥ +DODPDQ
RUDQJDWDXDQJJRWDNHOXDUJDWHUGHNDWGDQDWDX
OHELKGDUL QRONRPDOLPDSHUVHUDWXV GDULPRGDOGLVHWRUXQWXNWUDQVDNVL
¥ +DODPDQ
GHQJDQHQWLWDVEHUHODVL
E WHUNDLWGHQJDQWUDQVDNVLGHQJDQRUDQJDWDXDQJJRWDNHOXDUJDWHUGHNDWPHOLSXWL
¥
QDPDVLIDWGDQKXEXQJDQGHQJDQSLKDNEHUHODVLVHUWDLQIRUPDVLWHQWDQJWUDQVDNVL
GDQVDOGRGHQJDQSLKDNGLPDNVXG
F WHUNDLWGHQJDQWUDQVDNVLGHQJDQHQWLWDVEHUHODVLPHOLSXWLVLIDWGDQKXEXQJDQGHQJDQ ¥
SLKDNSLKDNEHUHODVLVHUWDLQIRUPDVLPHQJHQDLWUDQVDNVLGDQVDOGRWHUPDVXN
NRPLWPHQ\DQJGLSHUOXNDQXQWXNPHPDKDPLSRWHQVLGDPSDNKXEXQJDQWHUVHEXW
GDODPODSRUDQNHXDQJDQSDOLQJNXUDQJ
MXPODKWUDQVDNVLEHVHUWDSHUVHQWDVHQ\DWHUKDGDSWRWDOSHQGDSDWDQGDQEHEDQ
WHUNDLW
¥
MXPODKVDOGREHVHUWDSHUVHQWDVHQ\DWHUKDGDSWRWDO $VHWDWDX/LDELOLWDV
WHUPDVXNNRPLWPHQGDQ ¥
D SHUV\DUDWDQGDQNHWHQWXDQQ\DWHUPDVXNDSDNDKWHUGDSDWMDPLQDQGDQ +DODPDQ
VLIDWLPEDODQ\DQJDNDQGLEHULNDQXQWXNSHQ\HOHVDLDQGDQ
E ULQFLDQJDUDQVL\DQJGLEHULNDQDWDXGLWHULPD
MXPODKFDGDQJDQNHUXJLDQSHQXUXQDQQLODLEHEDQFDGDQJDQNHUXJLDQ
SHQXUXQDQQLODLVHFDUDLQGLYLGXDOGDQNROHNWLIGDQSHQJKDSXVDQSLXWDQJWHUNDLW ¥
GHQJDQMXPODKVDOGRSLXWDQJXVDKDGDQSLXWDQJSLKDNEHUHODVLQRQXVDKDGDQ
DODVDQGDQGDVDUSHPEHQWXNDQFDGDQJDQNHUXJLDQSHQXUXQDQQLODLMLND
GLODNXNDQSHPEHQWXNDQ ¥
G SHQJXQJNDSDQ \DQJGLV\DUDWNDQ VHEDJDLPDQDGLPDNVXGGDODPKXUXID GDQ E
GLODNXNDQ VHFDUDWHUSLVDKXQWXNPDVLQJPDVLQJNDWHJRULEHULNXW
HQWLWDVLQGXN ¥
¥
HQWLWDVGHQJDQSHQJHQGDOLDQEHUVDPDDWDX 3HQJDUXK6LJQLILNDQWHUKDGDS
HQWLWDV
HQWLWDVDQDN ¥
HQWLWDVDVRVLDVL
¥
9HQWXUD%HUVDPDGLPDQDHQWLWDVPHUXSDNDQYHQWXUHU
¥
SHUVRQLOPDQDMHPHQNXQFLGDULHQWLWDVSHODSRUDWDXHQWLWDVLQGXNQ\DGDQ
¥
SLKDNSLKDNEHUHODVLODLQQ\D
H VHOXUXKNRPSHQVDVL\DQJGLEHULNDQNHSDGDPDVLQJPDVLQJDQJJRWDDWDXNHORPSRN
Page 68
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
GLUHNVLNRPLVDULVSHPHJDQJVDKDPXWDPD\DQJMXJDVHEDJDLNDU\DZDQGDQ
PDQDMHPHQNXQFLODLQQ\DXQWXNPDVLQJPDVLQJNDWHJRULEHULNXW
¥
LPEDODQNHUMDMDQJNDSHQGHN +DODPDQ
LPEDODQSDVFDNHUMD ¥
LPEDODQNHUMDMDQJNDSDQMDQJODLQQ\D ¥
SHVDQJRQSHPXWXVDQNRQWUDNNHUMDGDQ ¥
SHPED\DUDQEHUEDVLVVDKDP ¥
I XQWXNHQWLWDVEHUHODVLGHQJDQSHPHULQWDK ¥
QDPD HQWLWDV EHUHODVLGHQJDQ SHPHULQWDKGDQVLIDWKXEXQJDQQ\DGHQJDQ
3HUXVDKDDQ
VLIDWGDQMXPODKVHWLDSWUDQVDNVL\DQJVHFDUDLQGLYLGXDOVLJQLILNDQGDQ
XQWXNWUDQVDNVLODLQQ\D\DQJVHFDUDNROHNWLIWHWDSLWLGDNVHFDUDLQGLYLGXDO
VLJQLILNDQLQGLNDVLVHFDUDNXDQWLWDWLIDWDXNXDOLWDWLIDWDVOXDVQ\DWUDQVDNVL
WHUVHEXW
$VHWGDQ/LDELOLWDVGDODP0DWD8DQJ$VLQJ
D 0DWDXDQJDVLQJ\DQJGLPDNVXGDGDODKPDWDXDQJVHODLQPDWDXDQJIXQJVLRQDO
+DODPDQ
E <DQJKDUXVGLXQJNDSNDQ DQWDUDODLQ
ULQFLDQDVHWGDQOLDELOLWDVPRQHWHUGDODPPDWDXDQJDVLQJVHUWDHNXLYDOHQQ\D ¥ +DODPDQ
¥
GDODPPDWDXDQJIXQJVLRQDO
SRVLVLQHWRGDULDVHWGDQOLDELOLWDVPRQHWHUGDODPPDWDXDQJDVLQJ
ULQFLDQNRQWUDNYDOXWDEHUMDQJNDGDQHNXLYDOHQGDODPPDWDXDQJIXQJVLRQDO
MXPODKVHOLVLKNXUV\DQJGLDNXLGDODPODEDUXJLNHFXDOLXQWXNVHOLVLKNXUV\DQJ
WLPEXOSDGDLQVWUXPHQNHXDQJDQ\DQJGLXNXUSDGDQLODLZDMDUPHODOXLODEDUXJL
GDQ
VHOLVLKNXUVQHWRGLDNXLGDODPSHQGDSDWDQNRPSUHKHQVLIODLQGDQGLDNXPXODVLNDQ
GDODPNRPSRQHQHNXLWDV\DQJWHUSLVDKVHUWDUHNRQVLOLDVLVHOLVLKNXUVWHUVHEXW
SDGDDZDOGDQDNKLUSHULRGH
3HQXUXQDQ1LODL$VHW1RQNHXDQJDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D XQWXNVHWLDSUXJLSHQXUXQDQQLODL\DQJGLDNXLDWDXGLEDOLNVHODPDSHULRGHWHUWHQWX ¥
XQWXNVXDWXDVHWLQGLYLGXDOWHUPDVXNJRRGZLOODWDXVXDWXXQLWSHQJKDVLONDV
SHULVWLZDGDQNRQGLVL\DQJPHQJLQGLNDVLNDQSHQJDNXDQDWDXSHPEDOLNDQUXJL
SHQXUXQDQQLODL
MXPODKUXJLSHQXUXQDQQLODL\DQJGLDNXLGDODPODEDUXJLVHODPDSHULRGHWHUVHEXW
GDQXQVXUODSRUDQODEDUXJLNRPSUHKHQVLI\DQJGLGDODPQ\DWHUFDNXSUXJL
Page 69
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SHQXUXQDQQLODL
MXPODKSHPEDOLNDQUXJLSHQXUXQDQQLODL\DQJGLDNXLGDODPODEDUXJLVHODPD ¥
SHULRGHWHUVHEXWGDQXQVXUODSRUDQODEDUXJLNRPSUHKHQVLI\DQJGL GDODPQ\D
WHUFDNXSUXJLSHQXUXQDQQLODL\DQJGLEDOLN
JRRGZLOO\DQJWHODKGLDNXLUXJLSHQXUXQDQQLODLQ\D
MXPODKUXJLSHQXUXQDQQLODLDWDVDVHWUHYDOXDVLDQ\DQJGLDNXLGDODPSHQGDSDWDQ
NRPSUHKHQVLIODLQVHODPDSHULRGHWHUVHEXWGDQ
MXPODKSHPEDOLNDQUXJLSHQXUXQDQQLODLDWDVDVHWUHYDOXDVLDQ\DQJGLDNXLGDODP
SHQGDSDWDQNRPSUHKHQVLIODLQVHODPDSHULRGHWHUVHEXW
E 3HQJXQJNDSDQVHEDJDLPDQDGLPDNVXGGDODPDQJND GLODNXNDQXQWXNVHWLDS
¥
NHORPSRNDVHW
3HUXEDKDQ(VWLPDVL$NXQWDQVL3HUXEDKDQ.HELMDNDQ$NXQWDQVLGDQ.HVDODKDQ
3HULRGH/DOX
D 3HUXEDKDQ(VWLPDVL$NXQWDQVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
VLIDWGDQDODVDQSHUXEDKDQHVWLPDVLDNXQWDQVL
MXPODKSHUXEDKDQHVWLPDVL\DQJEHUGDPSDNSDGDSHULRGHEHUMDODQGDQ
SHUNLUDDQGDPSDNHVWLPDVLSDGDSHULRGHPHQGDWDQJ 'DODPKDO MXPODK
GDPSDNSDGDSHULRGHPHQGDWDQJWLGDNSUDNWLVIDNWDWHUVHEXWKDUXV
GLXQJNDSNDQ
E 3HUXEDKDQ.HELMDNDQ$NXQWDQVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
VLIDWGDULSHUXEDKDQNHELMDNDQDNXQWDQVL
DODVDQSHQHUDSDQNHELMDNDQDNXQWDQVLEDUXPHPEHULNDQLQIRUPDVL\DQJDQGDO
GDQUHOHYDQ
MXPODKSHQ\HVXDLDQXQWXNSHULRGHEHUMDODQGDQVHWLDSSHULRGHODOXVDMLDQ
D VHWLDSSRVODSRUDQNHXDQJDQ\DQJWHUSHQJDUXKGDQ
E ODEDSHUVDKDPGDVDUGDQGLOXVLDQ
MXPODKSHQ\HVXDLDQ\DQJWHUNDLWGHQJDQSHULRGHSHULRGHVHEHOXPSHULRGH\DQJ
GLVDMLNDQ'DODPKDO WLGDNSUDNWLVGLODNXNDQPDNDGLXQJNDSNDQDODVDQQ\D
GDQ
NHDGDDQ\DQJPHPEXDWSHQHUDSDQUHWURVSHNWLIWLGDNSUDNWLVXQWXNVXDWX
SHULRGHWHUWHQWXDWDXXQWXNSHULRGHSHULRGHVHEHOXPSHULRGHSHULRGHWHUVHEXW
GLVDMLNDQGDQWDQJJDOGLPXODLQ\DSHUXEDKDQNHELMDNDQDNXQWDQVL
Page 70
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
F .HVDODKDQ3HULRGH/DOX ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
VLIDWGDULNHVDODKDQSHULRGHODOX
MXPODKNRUHNVLXQWXNVHWLDSSHULRGHVDMLDQ
D EDJLVHWLDSSRVODSRUDQNHXDQJDQGDQ
E ODEDSHUVDKDPGDVDUGDQGLOXVLDQ
MXPODKNRUHNVLSDGDDZDOSHULRGHVDMLDQSDOLQJDZDOGDQ
NHDGDDQ\DQJPHPEXDWSHQHUDSDQUHWURVSNHWLIWLGDNSUDNWLVGLODNXNDQGDQ
SHQMHODVDQPHQJHQDLFDUDGDQZDNWXGLODNXNDQQ\DNRUHNVL DSDELODSHQ\DMLDQ
NHPEDOLUHWURVSHNWLIWLGDNSUDNWLV
.RPELQDVL%LVQLV
D 3HUXVDKDDQKDUXVPHQJXQJNDSNDQKDOKDOVHEDJDLEHULNXWXQWXNVHWLDSNRPELQDVL
ELVQLV\DQJWHUMDGLVHODPDSHULRGHSHODSRUDQ\DLWX
QDPDGDQSHQMHODVDQWHQWDQJSLKDN\DQJGLDNXLVLVL ¥ +DODPDQ
WDQJJDODNXLVLVL ¥ +DODPDQ
ELD\DWHUNDLWDNXLVLVLGLOXDUELD\DSHQHUELWDQ(IHNXWDQJGDQ(IHNHNXLWDV
+DODPDQ
¥
SHULRGHEHUMDODQGDQDNXPXODVLQ\DXQWXNPDVLQJPDVLQJNRPELQDVLELVQLV
SHUVHQWDVHNHSHQWLQJDQHNXLWDVEHUKDNVXDUD\DQJGLSHUROHK
¥
DODVDQXWDPDXQWXNNRPELQDVLELVQLVGDQSHQMHODVDQWHQWDQJFDUDSLKDN +DODPDQ
SHQJDNXLVLVLPHPSHUROHK3HQJHQGDOLDQDWDVSLKDN\DQJGLDNXLVLVL ¥
SHQMHODVDQNXDOLWDWLIWHQWDQJIDNWRU\DQJPHPEHQWXNJRRGZLOO\DQJGLDNXL ¥ +DODPDQ
1LODL:DMDUSDGDVDDWWDQJJDODNXLVLVLDWDVWRWDOLPEDODQ\DQJGLDOLKNDQGDQ1LODL
:DMDUWDQJJDODNXLVLVLXQWXNVHWLDSNHORPSRNXWDPDLPEDODQ ¥ +DODPDQ
NHVHSDNDWDQLPEDODQNRQWLQMHQVLGDQDVHWLQGHPQLILNDVL
D MXPODK\DQJGLDNXLSDGDWDQJJDODNXLVLVL
E SHQMHODVDQWHQWDQJNHVHSDNDWDQGDQGDVDUSHQHQWXDQMXPODKSHPED\DUDQ ¥
GDQ
F HVWLPDVLNLVDUDQKDVLO WLGDNGLGLVNRQWR DWDXMLNDDSDELODNLVDUDQWLGDN
GDSDWGLHVWLPDVLNDQPDNDIDNWDGDQDODVDQPHQJDSDNLVDUDQWHUVHEXWWLGDN
GDSDWGLHVWLPDVLNDQ'DODPKDOMXPODKPDNVLPXPSHPED\DUDQWLGDN
WHUEDWDVPDNDSLKDNSHQJDNXLVLVLPHQJXQJNDSNDQIDNWDWHUVHEXW
¥
3HUXVDKDDQKDUXVPHQJXQJNDSNDQSLXWDQJ\DQJGLSHUROHKEHUGDVDUNDQ
NHORPSRNXWDPDSLXWDQJPLVDOQ\DSLQMDPDQ\DQJGLEHULNDQVHZDSHPELD\DDQ
ODQJVXQJGDQNHORPSRNSLXWDQJODLQ\DLWXVHEDJDLEHULNXW
Page 71
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
D 1LODL:DMDUSLXWDQJ
E MXPODKSLXWDQJEUXWRNRQWUDNWXDOGDQ
F HVWLPDVLWHUEDLNSDGDWDQJJDODNXLVLVLDWDVMXPODKDUXVNDVNRQWUDNWXDO
\DQJGLSHUNLUDNDQWLGDNWHUWDJLK
MXPODK\DQJGLDNXLSDGDWDQJJDODNXLVLVLXQWXNVHWLDSNHORPSRNXWDPD $VHW
\DQJGLSHUROHKGDQ /LDELOLWDV\DQJGLDPELODOLK ¥ +DODPDQ
VHWLDSOLDELOLWDVNRQWLQMHQVL\DQJ GLDNXLSDGD1LODL:DMDU ¥
D XUDLDQPHQJHQDLNDUDNWHULVWLNNHZDMLEDQGDQSHUNLUDDQVDDWDUXVNHOXDU
VXPEHUGD\DHNRQRPLWHUMDGL
E LQGLNDVLNHWLGDNSDVWLDQVDDWDWDXMXPODKDUXVNHOXDUWHUVHEXW'DODPKDO
GLSHUOXNDQ3HUXVDKDDQKDUXVPHQJXQJNDSNDQDVXPVLXWDPD\DQJ
PHQGDVDULSUDNLUDDQSHULVWLZDPDVDGHSDQGDQ
F MXPODKHVWLPDVLSHQJJDQWLDQ\DQJDNDQGLWHULPDGHQJDQPHQ\HEXWNDQ
MXPODK$VHW\DQJWHODKGLDNXLXQWXNHVWLPDVLSHQJJDQWLDQWHUVHEXW
¥
GDODPKDO OLDELOLWDVNRQWLQMHQVLWLGDNGLDNXLNDUHQD 1LODL:DMDUQ\DWLGDNGDSDW
GLXNXUVHFDUDDQGDOPDNDSLKDNSHQJDNXLVLVLPHQJXQJNDSNDQ
D LQIRUPDVLVHEDJDLPDQDGLPDNVXGGDODPDQJNDKXUXIE DQJND
WHUNDLWSHULNDWDQGDQNRQWLMHQVLGDQ
E DODVDQ/LDELOLWDVWLGDNGDSDWGLXNXUVHFDUDDQGDO
¥
GDODPKDOSHPEHOLDQGHQJDQGLVNRQ
D MXPODKNHXQWXQJDQ\DQJGLDNXLGDQSRVGDODPODSRUDQODEDUXJL
NRPSUHKHQVLIGLPDQDNHXQWXQJDQWHUVHEXWGLDNXLGDQ
E SHQMHODVDQWHQWDQJDODVDQWUDQVDNVLWHUVHEXWPHQJKDVLONDQNHXQWXQJDQ
VHWLDSNRPELQDVLELVQLVGLPDQDSLKDNSHQJDNXLVLVLPHPLOLNLNXUDQJGDUL ¥
VHUDWXVSHUVHUDWXV GDULNHSHQWLQJDQHNXLWDVSLKDN\DQJGLDNXLVLVLSDGD
WDQJJDODNXLVLVL
D MXPODKGDULNHSHQWLQJDQQRQSHQJHQGDOLSDGDSLKDN\DQJGLDNXLVLVL\DQJ
GLDNXLSDGDWDQJJDODNXLVLVLGDQGDVDUSHQJXNXUDQQ\DGDQ
E WHNQLNSHQLODLDQGDQLQSXWPRGHOXWDPD\DQJGLJXQDNDQGDODPSHQHQWXDQ
QLODLWHUVHEXWXQWXNVHWLDSNHSHQWLQJDQQRQSHQJHQGDOLSDGDSLKDN\DQJ
GLDNXLVLVL\DQJGLXNXUSDGD1LODL:DMDU ¥
GDODP KDO VXDWX NRPELQDVLELVQLV\DQJGLODNXNDQVHFDUDEHUWDKDS
D 1LODL:DMDUSDGDWDQJJDODNXLVLVLDWDVNHSHQWLQJDQHNXLWDVSLKDN\DQJ
GLDNXLVLVL\DQJGLPLOLNLROHKSLKDNSHQJDNXLVLVLVHJHUDVHEHOXPWDQJJDO
DNXLVLVLGDQ
Page 72
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
E MXPODKNHXQWXQJDQDWDXNHUXJLDQ\DQJGLDNXLVHEDJDLKDVLOGDUL
SHQJXNXUDQNHPEDOL1LODL:DMDUGDULNHSHQWLQJDQHNXLWDVSDGDSLKDN
\DQJGLDNXLVLVL\DQJGLPLOLNLROHKSLKDNSHQJDNXLVLVLVHEHOXPNRPELQDVL
ELVQLVGDQSRVGDODPODSRUDQODEDUXJLNRPSUHKHQVLIXQWXNPHQJDNXL
NHXQWXQJDQDWDXNHUXJLDQWHUVHEXW
,QIRUPDVLVHEDJDLEHULNXW
D MXPODKSHQGDSDWDQGDQODEDDWDXUXJLGDULSLKDN\DQJGLDNXLVLVLVHMDN
WDQJJDODNXLVLVL\DQJGLPDVXNNDQGDODPODSRUDQODEDUXJLNRPSUHKHQVLI
SDGDSHULRGHSHODSRUDQGDQ ¥
E SHQGDSDWDQGDQODEDDWDXUXJLGDULHQWLWDVKDVLOSHQJJDEXQJDQXQWXN
SHULRGHSHODSRUDQEHUMDODQVHRODKRODKWDQJJDODNXLVLVLXQWXNVHPXD
NRPELQDVLELVQLV\DQJWHUMDGLVHODPDWDKXQEHUMDODQWHODKGLSHUKLWXQJNDQ
VHMDNDZDOSHULRGHSHODSRUDQ
E 7HUKDGDSNRPELQDVLELVQLV\DQJWHUMDGLSDGDSHULRGHVHNDUDQJGDQSHULRGH
VHEHOXPQ\D3HUXVDKDDQ\DQJPHQMDGLSLKDNSHQJDNXLVLVL ZDMLE PHQJXQJNDSNDQ
LQIRUPDVLEHULNXWXQWXNVHWLDSNRPELQDVLELVQLV\DQJPDWHULDODWDXVHFDUDNROHNWLI
PDWHULDO
GDODPKDODNXQWDQVLDZDOXQWXNNRPELQDVLELVQLVEHOXPVHOHVDLXQWXN$VHW
/LDELOLWDVNHSHQWLQJDQQRQSHQJHQGDOLWHUWHQWXDWDXMHQLVLPEDODQGDQMXPODK
\DQJGLDNXLGDODPODSRUDQNHXDQJDQNRPELQDVLELVQLVVHKLQJJDGLWHQWXNDQ ¥
KDQ\DEHUVLIDWSHQ\LVLKDQPDNDGLXQJNDSNDQ
D DODVDQDNXQWDQVLDZDOXQWXNNRPELQDVLELVQLVEHOXPVHOHVDL
E $VHW/LDELOLWDVNHSHQWLQJDQHNXLWDVDWDXMHQLVLPEDODQ\DQJDNXQWDQVL
DZDOQ\DEHOXPVHOHVDLGDQ
F VLIDWGDQMXPODKGDULVHWLDSSHQ\HVXDLDQSHULRGHSHQJXNXUDQ\DQJGLDNXL
VHODPDSHULRGHSHODSRUDQ
VHWLDSSHULRGHSHODSRUDQVHWHODKWDQJJDODNXLVLVLVDPSDLGHQJDQ3HUXVDKDDQ
PHQGDSDWNDQPHQMXDODWDXNHKLODQJDQKDNDWDVDVHWLPEDODQNRQWLQMHQVLDWDX
VDPSDLGHQJDQ3HUXVDKDDQPHQ\HOHVDLNDQOLDELOLWDVLPEDODQNRQWLQMHQVLDWDX
OLDELOLWDVWHUVHEXWGLEDWDONDQDWDXOHZDWZDNWXPDNDGLXQJNDSNDQ
¥
D VHWLDSSHUXEDKDQGDODPMXPODK\DQJGLDNXLWHUPDVXNVHWLDSSHUEHGDDQ
\DQJWLPEXOVHODPDSHQ\HOHVDLDQ
E VHWLDSSHUXEDKDQGDODPNLVDUDQKDVLO WLGDNGLGLVNRQWR GDQDODVDQ
SHUXEDKDQWHUVHEXWGDQ
F WHNQLNSHQLODLDQGDQLQSXWPRGHOXWDPD\DQJGLJXQDNDQXQWXNPHQJXNXU
LPEDODQNRQWLQMHQVL
Page 73
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
OLDELOLWDVNRQWLQMHQVL\DQJGLDNXLGDODPNRPELQDVLELVQLVMLNDDGD ¥
UHNRQVLOLDVLDWDVQLODLWHUFDWDW JRRGZLOO SDGDDZDOGDQDNKLUSHULRGHSHODSRUDQ
¥
MXPODKGDQSHQMHODVDQGDULVHWLDSNHXQWXQJDQDWDXNHUXJLDQ\DQJGLDNXLSDGD
SHULRGHSHODSRUDQ\DQJ ¥
D WHUNDLWGHQJDQDVHWWHULGHQWLILNDVL\DQJGLSHUROHKDWDXOLDELOLWDV\DQJ
GLDPELODOLKGDODPNRPELQDVLELVQLVSDGDSHULRGHSHODSRUDQEHUMDODQDWDX
SHULRGHSHODSRUDQVHEHOXPQ\DGDQ
E XNXUDQVLIDWDWDXNHMDGLDQUHOHYDQ\DQJ GLXQJNDSNDQXQWXNPHPDKDPL
ODSRUDQNHXDQJDQ3HUXVDKDDQKDVLOSHQJJDEXQJDQ
F SHUQ\DWDDQNHVHVXDLDQGHQJDQSHUDWXUDQ%DSHSDPGDQ/.GDODPSHODNVDQDDQ
WUDQVDNVLNRPELQDVLELVQLVGDQ
G 3HUXVDKDDQKDUXVPHQJXQJNDSNDQKDOKDOEHULNXWVHFDUDNHVHOXUXKDQVHKXEXQJDQ
GHQJDQSHUROHKDQDWDVHQWLWDVDQDNGDQXQLWELVQLVODLQQ\DVHODPDVXDWXSHULRGH
MXPODKKDUJD\DQJGLED\DUNDQ ¥ +DODPDQ
¥ +DODPDQ
EDJLDQGDULKDUJD\DQJPHUXSDNDQ.DVGDQ6HWDUD.DV
MXPODK .DVGDQ6HWDUD.DV SDGDHQWLWDVDQDNDWDXELVQLVODLQQ\DDSDELOD ¥ +DODPDQ
3HQJHQGDOLDQGLSHUROHKGDQ
MXPODKDVHWGDQOLDELOLWDVVHODLQ .DVGDQ6HWDUD.DV SDGDHQWLWDVDQDNDWDX ¥ +DODPDQ
ELVQLVODLQQ\DDSDELOD3HQJHQGDOLDQGLSHUROHKGLLNKWLVDUNDQEHUGDVDUNDQ
NDWHJRULXWDPDQ\D
6HJPHQ2SHUDVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D SHQJXQJNDSDQSDGDOHYHOVHJPHQ
LQIRUPDVLXPXP\DQJWHUGLULGDUL
D IDNWRUIDNWRU\DQJGLJXQDNDQROHKPDQDMHPHQXQWXNPHQJLGHQWLILNDVL
VHJPHQGLODSRUNDQGDQ ¥ +DODPDQ
E MHQLVSURGXNGDQMDVD\DQJPHQJKDVLONDQSHQGDSDWDQGDULVHWLDSVHJPHQ
GLODSRUNDQ
LQIRUPDVLPHQJHQDLODEDDWDXUXJLVHJPHQWHUPDVXNSHQGDSDWDQGDQEHEDQ
WHUWHQWXDVHWVHJPHQGDQOLDELOLWDVVHJPHQGDULVHJPHQGLODSRUNDQVHUWDGDVDU ¥ +DODPDQ
SHQJXNXUDQQ\D
UHNRQVLOLDVLGDULWRWDOSHQGDSDWDQVHJPHQXNXUDQODEDDWDXUXJLVHJPHQ +DODPDQ
GLODSRUNDQDVHWVHJPHQOLDELOLWDVVHJPHQGDQXQVXUVHJPHQPDWHULDOODLQQ\D ¥
WHUKDGDSMXPODK\DQJWHUNDLWGDODPODSRUDQNHXDQJDQ3HUXVDKDDQ
Page 74
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
E SHQJXQJNDSDQSDGDOHYHOHQWLWDV
,QIRUPDVLSURGXNGDQMDVD
¥
3HQGDSDWDQGDULSHODQJJDQHNVWHUQDOXQWXNVHWLDSSURGXNGDQMDVDDWDXVHWLDS +DODPDQ
NHORPSRNSURGXNGDQMDVD\DQJVHUXSD
,QIRUPDVLZLOD\DKJHRJUDILV
D 3HQGDSDWDQGDULSHODQJJDQHNVWHUQDO\DQJGLDWULEXVLNDQNHSDGD ¥
L QHJDUDGRPLVLOL3HUXVDKDDQGDQ
LL VHPXDQHJDUDDVLQJVHFDUDWRWDOGLPDQD3HUXVDKDDQPHPSHUROHK
SHQGDSDWDQ'DODPKDOSHQGDSDWDQGDULVXDWXQHJDUDDVLQJVHFDUD
LQGLYLGXDO MXPODKQ\DPDWHULDOSHQGDSDWDQWHUVHEXWGLXQJNDSNDQVHFDUD
WHUSLVDKWHUPDVXNGDVDUSHQJDWULEXVLDQSHQGDSDWDQQ\DNHSDGDQHJDUD
WHUVHEXWVHFDUDLQGLYLGXDO
¥
E $VHWWLGDNODQFDUVHODLQLQVWUXPHQNHXDQJDQDVHWSDMDN\DQJGLWDQJJXKNDQ
DVHWLPEDODQSDVFDNHUMDGDQKDN\DQJWHUMDGLDNLEDWNRQWUDNDVXUDQVL\DQJ
EHUORNDVLGL
L QHJDUDGRPLVLOL3HUXVDKDDQGDQ
LL VHPXDQHJDUDDVLQJVHFDUDWRWDOGLPDQD3HUXVDKDDQPHPLOLNLDVHW
'DODPKDODVHWGDULVXDWXQHJDUDDVLQJVHFDUDLQGLYLGXDO MXPODKQ\D
PDWHULDO PDNDDVHWWHUVHEXWGLXQJNDSNDQVHFDUDWHUSLVDK
,QIRUPDVLSHODQJJDQXWDPD
'DODPKDOSHQGDSDWDQGDULWUDQVDNVLGHQJDQSHODQJJDQHNVWHUQDOWXQJJDO
PHQFDSDL VHSXOXKSHUVHUDWXV DWDXOHELKGDULSHQGDSDWDQNRQVROLGDVL
3HUXVDKDDQKDUXVPHQJXQJNDSNDQ
¥
D IDNWD
E WRWDOSHQGDSDWDQGDULVHWLDSSHODQJJDQGDQ
F LGHQWLWDVVHJPHQ\DQJPHODSRUNDQSHQGDSDWDQWHUVHEXW
2SHUDVL\DQJ'LKHQWLNDQ
D <DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
XUDLDQWHQWDQJDODVDQRSHUDVLGLKHQWLNDQ
XUDLDQIDNWDGDQNHDGDDQGDULSHQMXDODQDWDX\DQJPHQJDUDKNHSDGDSHOHSDVDQ
\DQJGLKDUDSNDQFDUD GDQZDNWXSHOHSDVDQGDULDVHWGDQOLDELOLWDVRSHUDVL
\DQJGLKHQWLNDQGDQ
SHQJDUXK GDULRSHUDVL\DQJGLKHQWLNDQWHUKDGDSVHJPHQ\DQJGLODSRUNDQGDUL
DVHWWLGDNODQFDUDWDXNHORPSRNOHSDVDQGLVDMLNDQVHVXDL6$.\DQJEHUODNX
E <DQJKDUXVGLXQJNDSNDQDWDVLQIRUPDVLWHUNDLWGHQJDQODED UXJL RSHUDVL\DQJ ¥
Page 75
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
GLKHQWLNDQDQWDUDODLQ
DQDOLVDDWDVMXPODKWXQJJDO\DQJGLVDMLNDQGDODPODSRUDQODEDUXJL
NRPSUHKHQVLIPHOLSXWL
D SHQGDSDWDQEHEDQGDQODEDDWDXUXJLVHEHOXPSDMDNGDULRSHUDVL\DQJ
GLKHQWLNDQGDQEHEDQSDMDNSHQJKDVLODQ\DQJWHUNDLWGDQ
E ODEDDWDXUXJL\DQJGLDNXLGDODPSHQJXNXUDQNH1LODL:DMDUVHWHODK
GLNXUDQJLELD\DXQWXNPHQMXDODWDXSHOHSDVDQDVHWDWDXNHORPSRNOHSDVDQ
\DQJ WHUNDLWGHQJDQRSHUDVL\DQJGLKHQWLNDQGDQEHEDQSDMDNSHQJKDVLODQ
\DQJWHUNDLW
DUXVNDVQHWR\DQJGDSDWGLDWULEXVLNDQSDGDDNWLYLWDVRSHUDVLLQYHVWDVLGDQ
SHQGDQDDQGDULRSHUDVL\DQJGLKHQWLNDQGDQ
MXPODKSHQJKDVLODQGDULRSHUDVL\DQJGLODQMXWNDQGDQRSHUDVL\DQJGLKHQWLNDQ
\DQJGDSDWGLDWULEXVLNDQSDGDSHPLOLNHQWLWDVLQGXN
,QVWUXPHQ'HULYDWLIVHODLQ'HULYDWLI0HOHNDW
D 3HUXVDKDDQZDMLEPHQJHORPSRNNDQLQVWUXPHQGHULYDWLIVHVXDLGHQJDQWXMXDQQ\D ¥
\DLWXXQWXNOLQGXQJQLODLDWDXWXMXDQODLQQ\D QRQOLQGXQJQLODL VHSHUWLXQWXNWXMXDQ
VSHNXODVL
E 3HUXVDKDDQ\DQJPHPLOLNLDWDXPHQHUELWNDQLQVWUXPHQGHULYDWLIZDMLE ¥
PHQJXQJNDSNDQXQWXN VHWLDSNRQWUDNLQVWUXPHQGHULYDWLIGDODPNHORPSRNNODVLILNDVL
OLQGXQJQLODLGDQNHORPSRNQRQOLQGXQJQLODL
KDNLNDWGDQVLIDWGDULWUDQVDNVLEHUXSDWUDQVDNVLEHUMDQJNDGDODPEHQWXN
YDOXWDEXQJDNRPRGLWDVDWDXODLQODLQ
SLKDNODZDQWUDQVDNVL FRXQWHUSDUWLHV
WDQJJDOMDWXKWHPSR
QLODLNHVHOXUXKDQNRQWUDNGDQ 1LODL:DMDU SDGDWDQJJDOODSRUDQSRVLVL
NHXDQJDQ
EHEDQDWDX3HQGDSDWDQSDGDSHULRGHSHODSRUDQ
SRV$VHWGDQDWDX/LDELOLWDV\DQJGLOLQGXQJQLODLGDQ
SHUV\DUDWDQSHQWLQJODLQQ\D
F <DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
+DOKDO\DQJGLSHUOXNDQXQWXNPHPDKDPLWXMXDQWUDQVDNVLGHULYDWLIGDQVWUDWHJL ¥
XQWXNPHQFDSDLWXMXDQWHUVHEXW
.HELMDNDQPDQDMHPHQULVLNRXQWXNVHWLDSNODVLILNDVLOLQGXQJQLODLWHUPDVXN
SHQMHODVDQPHQJHQDL$VHWGDQDWDX/LDELOLWDVGDQMHQLVWUDQVDNVL\DQJGLOLQGXQJ
QLODLGDQ
%DJLLQVWUXPHQ\DQJWLGDNGLPDNVXGNDQVHEDJDLVXDWXOLQGXQJQLODLGLVHEXWNDQ
WXMXDQQ\D
1LODL:DMDU,QVWUXPHQ.HXDQJDQ
<DQJKDUXVGLXQJNDSNDQXQWXNVHWLDSNHORPSRNDVHWNHXDQJDQGDQOLDELOLWDVNHXDQJDQ
Page 76
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
DQWDUDODLQ
D 1LODL:DMDUVHWLDSNHORPSRN$VHWGDQ/LDELOLWDVWHUVHEXWGHQJDQFDUD\DQJ
PHPXQJNLQNDQXQWXNGDSDWGLSHUEDQGLQJNDQGHQJDQQLODLWHUFDWDWGDODPODSRUDQSRVLVL ¥
NHXDQJDQGDQ
E KLHUDUNLPHWRGHGDQDVXPVLVLJQLILNDQ\DQJGLJXQDNDQGDODPPHQHQWXNDQ1LODL:DMDU
DVHWNHXDQJDQGDQOLDELOLWDVNHXDQJDQ
¥
'LYLGHQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D MXPODKGLYLGHQGDQGLYLGHQSHUVDKDP\DQJWHODKGLGHNODUDVLNDQGDQGLED\DUNDQ
VHEDJDLGLVWULEXVLNHSDGDSHPLOLNSDGDSHULRGHSHODSRUDQ ¥
E MXPODKXWDQJGLYLGHQXQWXN
¥
SHULRGHSHODSRUDQGDQ
SHULRGHVHEHOXPQ\D
F MXPODKGLYLGHQGDQGLYLGHQSHUVDKDP\DQJGLXVXONDQDWDXGLGHNODUDVLNDQVHWHODK
¥
SHULRGHSHODSRUDQWHWDSLVHEHOXPWDQJJDOSHQ\HOHVDLDQODSRUDQNHXDQJDQGDQWLGDN
GLDNXLVHEDJDL/LDELOLWDVNHSDGDSHPLOLNSDGDDNKLUSHULRGHSHODSRUDQGDQ
G MXPODKGLYLGHQSUHIHUHQNXPXODWLI\DQJWLGDNGLDNXL ¥
%DJLDQ3DUWLVLSDVLGDODP9HQWXUD%HUVDPD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D MXPODKDJUHJDWGDULOLDELOLWDVNRQWLQMHQVLGHQJDQMXPODKOLDELOLWDVNRQWLQMHQVLODLQQ\D
VHFDUDWHUSLVDK ¥
E MXPODKDJUHJDWGDULNRPLWPHQPRGDOWHUNDLWGHQJDQEDJLDQSDUWLVLSDVLQ\DGDODP ¥
9HQWXUD %HUVDPDVHFDUDWHUSLVDKGDULNRPLWPHQODLQQ\D
F GDIWDUGDQSHQMHODVDQEDJLDQSDUWLVLSDVLGDODP9HQWXUD%HUVDPD\DQJVLJQLILNDQGDQ
¥
EDJLDQSDUWLVLSDVLNHSHPLOLNDQGDODPSHQJHQGDOLDQEHUVDPDHQWLWDVGDQ
G GDODPKDO9HQWXUD%HUVDPDGLDNXLGDODPSHQJHQGDOLDQEHUVDPDHQWLWDVDJDU
GLWDPEDKNDQSHQJXQJNDSDQWDPEDKDQWHQWDQJ ¥
PHWRGH\DQJGLJXQDNDQXQWXNPHQJDNXLEDJLDQSDUWLVLSDVLQ\DGDQ
MXPODKDJUHJDWVHWLDSDVHWODQFDUDVHWWLGDNODQFDUOLDELOLWDVMDQJNDSHQGHN
OLDELOLWDVMDQJNDSDQMDQJSHQJKDVLODQGDQEHEDQ\DQJWHUNDLWGHQJDQEDJLDQ
SDUWLVLSDVLQ\DGDODP9HQWXUD%HUVDPD
3HULNDWDQGDQ.RQWLQMHQVL
D 3HULNDWDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
Page 77
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SHULNDWDQ\DQJPHOLSXWL
D SHUMDQMLDQVHZDNHDJHQDQGDQGLVWULEXVLEDQWXDQPDQDMHPHQGDQ WHNQLV
UR\DOWLGDQOLVHQVLGLXQJNDSNDQ ¥
L SLKDNSLKDN\DQJWHUNDLWGDODPSHUMDQMLDQ
LL SHULRGHEHUODNXQ\DSHULNDWDQ
LLL GDVDUSHQHQWXDQNRPSHQVDVLGDQGHQGD
LY MXPODKEHEDQDWDXSHQGDSDWDQSDGDSHULRGHSHODSRUDQGDQ
Y SHPEDWDVDQSHPEDWDVDQODLQQ\D
E NRQWUDNDWDXSHUMDQMLDQ\DQJPHPHUOXNDQSHQJJXQDDQGDQDGLPDVD\DQJ +DODPDQ
¥
DNDQGDWDQJVHSHUWLSHPEDQJXQDQSDEULNSHUMDQMLDQSHPEHOLDQLNDWDQ
XQWXNLQYHVWDVLGLXQJNDSNDQ
L SLKDNSLKDN\DQJWHUNDLWGDODPSHUMDQMLDQ
LL SHULRGHEHUODNXQ\DSHULNDWDQ
LLL QLODLNHVHOXUXKDQPDWDXDQJGDQEDJLDQ\DQJWHODKGLUHDOLVDVLGDQ
LY VDQNVLVDQNVL
SHPEHULDQMDPLQDQDWDXJDUDQVLGLXQJNDSNDQ ¥
D SLKDNSLKDN\DQJGLMDPLQGDQ\DQJPHQHULPDMDPLQDQ\DQJGLSLVDKNDQ
DQWDUDSLKDNEHUHODVLGDQSLKDNNHWLJDXQWXNSLKDN\DQJGLMDPLQ ¥
¥
E ODWDUEHODNDQJGLNHOXDUNDQQ\DMDPLQDQ
¥
F SHULRGHEHUODNXQ\DMDPLQDQGDQ
¥
G QLODLMDPLQDQ
IDVLOLWDVNUHGLW\DQJEHOXPGLJXQDNDQPLVDOQ\D IDVLOLWDV/&FHUXNDQEDQNGDQ
¥
XUDLDQPHQJHQDLVLIDWMHQLVMXPODKGDQEDWDVDQEDWDVDQQ\D
¥
E .RQWLQMHQVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
SHUNDUDDWDXVHQJNHWDKXNXP
GLXQJNDSNDQ ¥
D SLKDNSLKDN\DQJWHUNDLW
E MXPODK\DQJGLSHUNDUDNDQ
F ODWDUEHODNDQJLVLGDQVWDWXVSHUNDUDGDQSHQGDSDWKXNXP OHJDORSLQLRQ
GDQ
G GDPSDNNHXDQJDQ
3HUDWXUDQ3HPHULQWDK\DQJEHUGDPSDNWHUKDGDS3HUXVDKDDQ PLVDOQ\D PDVDODK ¥
Page 78
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
OLQJNXQJDQKLGXSGLXQJNDSNDQXUDLDQVLQJNDWWHQWDQJSHUDWXUDQGDQHVWLPDVL
GDPSDNNHXDQJDQQ\D
NHPXQJNLQDQOLDELOLWDVSDMDNWDPEDKDQ ¥
D MHQLVNHWHWDSDQDWDX WDJLKDQSDMDNMHQLVSDMDNWDKXQSDMDNVHUWDMXPODK
SRNRNGDQGHQGDDWDXEXQJDQ\DGDQ
E VLNDS3HUXVDKDDQWHUKDGDSNHWHWDSDQDWDXWDJLKDQSDMDN NHEHUDWDQDWDX
EDQGLQJ
SHULVWLZDNRQWLQMHQVLODLQQ\D\DQJGLXQJNDSNDQDQWDUDODLQ
¥
D NDUDNWHULVWLNDVHWDWDXOLDELOLWDVNRQWLQMHQVL
E HVWLPDVLGDULGDPSDNNHXDQJDQQ\D
F LQGLNDVLWHQWDQJNHWLGDNSDVWLDQ\DQJWHUNDLWGHQJDQMXPODKDWDXZDNWXDUXV
NHOXDUVXPEHUGD\DGDQ
G NHPXQJNLQDQSHQJJDQWLDQROHKSLKDNNHWLJD
.KXVXV,QGXVWUL3HUNHEXQDQ
3HUNHEXQDQ,QWL5DN\DWGDQ3ODVPD
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
¥
D ,VLSHUMDQMLDQNHUMDVDPD,53ODVPD
¥
E 3LKDNSLKDN\DQJWHUNDLWGDODPNHUMDVDPD ¥
F /RNDVLDVHWGDQMDQJNDZDNWXSHQJHORODDQ
¥
G +DNGDQOLDELOLWDVGDULPDVLQJPDVLQJSLKDNGDODPNHUMDVDPD
H .HWHQWXDQWHQWDQJSHUEDKDQSHUMDQMLDQNHUMDVDPDGDQ ¥
I ,VLSHUXEDKDQSHUMDQMLDQMLNDDGD ¥
0DQDMHPHQ5LVLNR.HXDQJDQ
D 3HUXVDKDDQKDUXVPHQJXQJNDSNDQLQIRUPDVL\DQJPHPXQJNLQNDQSDUDSHQJJXQD
ODSRUDQNHXDQJDQXQWXNPHQJHYDOXDVLVLIDWGDQOXDVULVLNR\DQJWLPEXOGDULLQVWUXPHQ
NHXDQJDQVHUWDNHELMDNDQGDODPSHQJHORODDQULVLNRWHUPDVXNQDPXQWLGDNWHUEDWDV
SDGDULVLNRVHEDJDLEHULNXW
ULVLNRNUHGLWDQWDUDODLQLNKWLVDUDQDOLVLVXPXUDVHWNHXDQJDQ\DQJEHOXPMDWXK
WHPSRDWDXWLGDNPHQJDODPLSHQXUXQDQQLODLGDQ\DQJOHZDWMDWXKWHPSRSDGD ¥ +DODPDQ
DNKLUSHULRGHSHODSRUDQWHWDSLWLGDNPHQJDODPLSHQXUXQDQQLODL
ULVLNROLNXLGLWDVDQWDUDODLQ
D DQDOLVLVMDWXKWHPSRXQWXNOLDELOLWDVNHXDQJDQGHULYDWLIGDQQRQGHULYDWLI\DQJ ¥
PHQXQMXNNDQVLVDMDWXKWHPSRNRQWUDNWXDO\DQJEHUWXMXDQXQWXN +DODPDQ
SHPDKDPDQWHUKDGDSSHULRGHDUXVNDVGDQ
E GHVNULSVLPHQJHQDL FDUD 3HUXVDKDDQPHQJHORODULVLNROLNXLGLWDV
Page 79
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
ULVLNRSDVDUDQWDUDODLQDQDOLVLVVHQVLWLYLWDVXQWXNVHWLDSMHQLVULVLNRSDVDUGLPDQD ¥ +DODPDQ
HQWLWDVWHUGDPSDNSDGDDNKLUSHULRGHSHODSRUDQ\DQJPHQXQMXNNDQGDPSDN
SHUXEDKDQSDGDYDULDEHOULVLNR\DQJUHOHYDQSDGDWDQJJDOWHUVHEXWWHUKDGDSODED
UXJLGDQHNXLWDVGDQ
ULVLNRODLQQ\D\DQJGLPLOLNLROHK3HUXVDKDDQ ¥
E 3HQJXQJNDSDQ VHEDJDLPDQDGLPDNVXGGDODPKXUXID WHUGLULGDULSHQJXQJNDSDQ
NXDOLWDWLIGDQSHQJXQJNDSDQNXDQWLWDWLIXQWXNVHWLDSMHQLVULVLNR\DQJWLPEXOGDUL ¥
LQVWUXPHQNHXDQJDQ
.KXVXV,QGXVWUL3HUEDQNDQ
¥
D 5DVLR.HFXNXSDQ0RGDO &DSLWDO$GHTXDF\5DWLR
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQSHUKLWXQJDQGDQMXPODKUDVLRNHFXNXSDQPRGDOSDGDWDQJJDOODSRUDQ
SRVLVLNHXDQJDQ
3RVLVL&$5PLQLPXPEHUGDVDUNDQSHUDWXUDQ%DQN,QGRQHVLDGDQ
$VSHNNKXVXV\DQJPHQGDVDULSHUKLWXQJDQ&$5
E 3RVLVL'HYLVD1HWR ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
5LQFLDQSHUKLWXQJDQGDQSRVLVLGHYLVDQHWRPHQXUXWMHQLVPDWDXDQJSDGDWDQJJDO
ODSRUDQSRVLVLNHXDQJDQ
3RVLVLGHYLVDQHWRPDNVLPXPEHUGDVDUNDQSHUDWXUDQ%DQN,QGRQHVLD
$VSHNNKXVXV\DQJPHQGDVDULSHUKLWXQJDQSRVLVLGHYLVDQHWR
F -DPLQDQ3HPHULQWDKWHUKDGDS/LDELOLWDV3HPED\DUDQ%DQN8PXP ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQGDVDUKXNXP\DQJPHODQGDVLMDPLQDQDWDVGDQD
SLKDNNHWLJDGLEDQN
G $NWLYLWDV)LGXFLDU\ ¥
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQXUDLDQPDVLQJPDVLQJDNWLYLWDVILGXFLDU\\DQJ
PHOLSXWLMDVDNXVWRGLDQZDOLDPDQDWSHQJHORODDQLQYHVWDVLGDQUHNVDGDQD
.XDVL5HRUJDQLVDVL
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQXUDLDQPHQJHQDLNHJLDWDQNXDVLUHRUJDQLVDVL\DQJ
PHOLSXWL
D -XPODKVDOGRQHJDWLI\DQJGLHOLPLQDVLGDODPODSRUDQSRVLVLNHXDQJDQGDQMXPODK
¥
WHUVHEXWGLVDMLNDQVHODPDWLJDWDKXQEHUXUXWDQVHMDNNXDVLUHRUJDQLVDVL
E 6WDWXVJRLQJFRQFHUQSHUXVDKDDQGDQUHQFDQDPDQDMHPHQGDQSHPHJDQJVDKDP ¥
Page 80
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
VHWHODKNXDVLUHRUJDQLVDVL\DQJPHQJJDPEDUNDQSURVSHNXVDKDGL PDVDPHQGDWDQJ
¥
F 3HQ\DMLDQODSRUDQSRVLVLNHXDQJDQVHEHOXPSDGDVDDWGDQVHVXGDKNXDVL
UHRUJDQLVDVL
G 5LQFLDQGDULMXPODK\DQJPHPEHQWXNDNXQVHOLVLKSHQLODLDQ$VHWGDQOLDELOLWDVVHEHOXP ¥
GLJXQDNDQXQWXNPHQJHOLPLQDVLGHILVLWGDQ
H .HWHUDQJDQWHQWDQJWDQJJDOWHUMDGLQ\DNXDVLUHRUJDQLVDVLSDGDDNXQVDOGRODEDGDODP
ODSRUDQSRVLVLNHXDQJDQXQWXNMDQJNDZDNWXWDKXQNHGHSDQVHMDNNXDVL ¥
UHRUJDQLVDVL
3HQJHORODDQ0RGDO
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D LQIRUPDVLNXDOLWDWLIWHQWDQJWXMXDQNHELMDNDQGDQSURVHV3HUXVDKDDQGDODPPHQJHOROD
SHUPRGDODQQ\DWHUPDVXN ¥
GHVNULSVLWHQWDQJEDJLDQ\DQJGLNHORODVHEDJDLPRGDO
VLIDWSHUV\DUDWDQGDQLPSOHPHQWDVLQ\DGDODPKDO3HUXVDKDDQGLKDUXVNDQXQWXN
PHPHQXKLSHUV\DUDWDQSHUPRGDODQ\DQJGLV\DUDWNDQROHKSLKDNHNVWHUQDOGDQ
FDUD 3HUXVDKDDQPHPHQXKLWXMXDQQ\DGDODPPHQJHORODSHUPRGDODQQ\D
E ULQJNDVDQGDWDNXDQWLWDWLIWHQWDQJ EDJLDQ \DQJGLNHORODVHEDJDLPRGDO ¥
F VHWLDSSHUXEDKDQSDGDDQJNDD GDQDQJNDE GDULSHULRGHVHEHOXPQ\D ¥
G SHUQ\DWDDQDWDVNHSDWXKDQWHUKDGDSVHWLDSSHUV\DUDWDQSHUPRGDODQGDULSLKDN
¥
HNVWHUQDO MLNDDGD GDQ
H NRQVHNXHQVLGDULNHWLGDNSDWXKDQSHUV\DUDWDQSHUPRGDODQGDULSLKDNHNVWHUQDODSDELOD ¥
WHUMDGLNHWLGDNSDWXKDQ
7UDQVDNVL1RQNDV ¥ +DODPDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
7UDQVDNVLSDGDDNWLYLWDVLQYHVWDVLGDQSHQGDQDDQ\DQJWLGDNPHPHUOXNDQSHQJJXQDDQ.DV
GDQ6HWDUD.DV\DQJWLGDNWHUPDVXNGDODPODSRUDQDUXVNDV
7UDQVDNVLWHUVHEXWDQWDUDODLQEHUXSDSHUROHKDQ$VHWVHFDUDNUHGLWDWDXVHZDSHPELD\DDQ
DNXLVLVLPHODOXLSHQHUELWDQVDKDPGDQNRQYHUVLXWDQJPHQMDGLPRGDO
3HPED\DUDQ%HUEDVLV6DKDP
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D ULQFLDQMXPODK /LDELOLWDVDWDVSHPED\DUDQEHUEDVLVVDKDPEDLNXQWXNMDQJNDSHQGHN ¥
DWDXSXQMDQJNDSDQMDQJ
¥
E SHQMHODVDQPHQJHQDLVHWLDSMHQLVSHUMDQMLDQSHPED\DUDQEHUEDVLVVDKDP\DQJDGD
Page 81
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
SDGDVXDWXSHULRGHWHUPDVXNV\DUDWGDQNHWHQWXDQXPXPVHWLDSSHUMDQMLDQVHSHUWL
NRQGLVLYHVWLQJMDQJNDZDNWXPDNVLPXPDWDVRSVL\DQJGLEHULNDQGDQPHWRGH
SHQ\HOHVDLDQ
F MXPODKGDQUDWDUDWDWHUWLPEDQJKDUJDHNVHNXVLRSVLVDKDPXQWXNVHWLDSNHORPSRN ¥
RSVLVDKDP
¥
G XQWXNRSVLVDKDP\DQJGLHNVHNXVLVHODPDSHULRGHUDWDUDWDWHUWLPEDQJKDUJDVDKDP
SDGDWDQJJDOHNVHNXVLDWDXVHODPDSHULRGHSHODSRUDQ
H NLVDUDQKDUJDHNVHNXVLGDQUDWDUDWDWHUWLPEDQJVLVDXPXUNRQWUDNXQWXNRSVLVDKDP ¥
\DQJEHUHGDUSDGDDNKLUSHULRGH
I SHQHQWXDQ1LODL:DMDUGHQJDQPHQJXQJNDSNDQSDOLQJNXUDQJKDOKDOVHEDJDL
EHULNXW ¥
RSVL\DQJGLEHULNDQVHODPDVXDWXSHULRGHUDWDUDWDWHUWLPEDQJ 1LODL:DMDU
RSVLWHUVHEXWSDGDWDQJJDOSHQJXNXUDQGDQLQIRUPDVLWHQWDQJEDJDLPDQD 1LODL
:DMDUWHUVHEXWGLXNXUGDQ
MXPODKGDQUDWDUDWDWHUWLPEDQJQLODLZDMDULQVWUXPHQHNXLWDVWHUVHEXWSDGD
WDQJJDOSHQJXNXUDQGDQLQIRUPDVLWHQWDQJSHQJXNXUDQ1LODL:DMDUWHUVHEXW
XQWXNLQVWUXPHQHNXLWDVODLQ\DQJGLEHULNDQVHODPDVXDWXSHULRGH \DLWXVHODLQ
RSVLVDKDP
J GDPSDNWUDQVDNVLSHPED\DUDQEHUEDVLVVDKDPWHUKDGDSODEDUXJL3HUXVDKDDQGDODP ¥
VXDWXSHULRGHGDQWHUKDGDSSRVLVLNHXDQJDQQ\D
.KXVXV,QGXVWUL$VXUDQVL
D $QDOLVLVNHND\DDQGDQ3HUKLWXQJDQ%DWDV7LQJNDW6ROYDELOLWDV
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ ¥
$QDOLVLV.HND\DDQ
3HUKLWXQJDQEDWDVWLQJNDWVROYDELOLWDV
%DWDVWLQJNDWVROYDELOLWDV\DQJKDUXVGLSHQXKL
7LQJNDWVROYDELOLWDV\DQJGLFDSDLSHUXVDKDDQSHUWDQJJDOSHODSRUDQGDQ
-XPODKLQYHVWDVL\DQJGLSHUNHQDQNDQGDODPSHUKLWXQJDQVROYDELOLWDV
$VHW/LDELOLWDVGDQ+DVLO8VDKD3URJUDP$VXUDQVL6\DULDK
+DOKDO\DQJKDUXVGLXQJNDSNDQ
D ,MLQ0HQWHUL.HXDQJDQDWDVSHQGLULDQXQLW$VXUDQVL6\DULDK ¥
E -HQLV$NDG$VXUDQVL6\DULDK ¥
¥
F 5LQFLDQ$VHW/LDELOLWDV3HQGDSDWDQ%HEDQGDQ/DED8VDKD8QLW$VXUDQVL6\DULDK
GDQ
Page 82
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
G =DNDW
,QIRUPDVL3HQWLQJ/DLQQ\D
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQVLIDWMHQLVMXPODKGDQGDPSDNGDUL
¥
D .RQWUDNUHDVXUDQVL
E 3HUMDQMLDQSHQWLQJGDQLNDWDQODLQQ\D ¥ +DODPDQ
F 5DVLRNHXDQJDQSHQWLQJ
¥
G 3HQGDSDWDQEHEDQGDQKDVLOXQGHUZULWLQJGDQ
¥
H 3HULVWLZDDWDXNHDGDDQ\DQJPHPSHQJDUXKLNLQHUMDDWDXNHODQJVXQJDQKLGXS ¥
SHUXVDKDDQ
.KXVXV,QGXVWUL.HKXWDQDQ
D 5LQFLDQYROXPHSHQMXDODQND\XEXODW MHQLVND\X
E 3HPHQXKDQOLDELOLWDVWHUKDGDSQHJDUDVHSHUWL'5,++%33++,+3+GDQLXUDQZDMLE
ODLQQ\D ¥
F 5HDOLVDVLNHJLDWDQGDQELD\D\DQJEHUKXEXQJDQGHQJDQSHODNVDQDDQSHQDQDPDQ ¥
NHPEDOLKXWDQDODP 737,SHPELQDDQGDQSHUOLQGXQJDQKXWDQSHQDQDPDQWDQDK
NRVRQJGDQXVDKDODLQQ\DXQWXNNHOHVWDULDQDODP
¥
G 5HDOLVDVLMHQLVNHJLDWDQVHKXEXQJDQSHODNVDQDDQ%LQDGHVDKXWDQGDQELD\DQ\D
H .KXVXV+7,GLXQJNDSNDQUHDOLVDVLDQJJDUDQGDQSHQDQDPDQSDGDSHULRGHEHUMDODQ
GDQDNXPXODVLQ\DGDQ ¥
I 6HKXEXQJDQGHQJDQSHPEDQJXQDQVDUDQDGDQSUDVDUDQD ¥
5HDOLVDVLSHPEDQJXQDQMDODQGDQMHPEDWDQ VHUWDSHPHOLKDUDDQQ\DGDQ
-HQLVMDODQ\DQJGLEDQJXQSDGDSHULRGHEHUMDODQGDQDNXPXODVLQ\D
3HULVWLZD6HWHODK3HULRGH3HODSRUDQ
<DQJKDUXVGLXQJNDSNDQDQWDUDODLQ
D GDODPKDO3HUXVDKDDQPHQHULPDLQIRUPDVLVHWHODKSHULRGHSHODSRUDQWHQWDQJNRQGLVL
\DQJDGDSDGDDNKLUSHULRGHSHODSRUDQPDND3HUXVDKDDQPHPXWDNKLUNDQ
SHQJXQJNDSDQNRQGLVLWHUVHEXWVHVXDLGHQJDQLQIRUPDVLWHUNLQLGDQ ¥
FRQWRKSHULVWLZDVHWHODKSHULRGHSHODSRUDQ\DQJPHQV\DUDWNDQHQWLWDVXQWXN
PHQ\HVXDLNDQMXPODK\DQJGLDNXLGDODPODSRUDQNHXDQJDQQ\DDWDXXQWXNPHQJDNXL
SHULVWLZD\DQJVHEHOXPQ\DWLGDNGLDNXL
E GDODPKDOWHUGDSDWSHULVWLZDQRQSHQ\HVXDL\DQJPDWHULDOVHWHODKSHULRGHSHODSRUDQ
PDND3HUXVDKDDQPHQJXQJNDSNDQXUDLDQSHULVWLZDPLVDOQ\D
¥
WDQJJDOWHUMDGLQ\D
Page 83
3DJHRI
1R .HWHUDQJDQ $GD 7LGDN 1$ .HWHUDQJDQ
VLIDWSHULVWLZDGDQ
HVWLPDVLDWDVGDPSDNNHXDQJDQDWDXSHUQ\DWDDQGDQDODVDQEDKZDHVWLPDVL
WHUVHEXWWLGDNGDSDWGLEXDW
3HUNHPEDQJDQ7HUDNKLU6WDQGDU$NXQWDQVL.HXDQJDQGDQ3HUDWXUDQ\DQJ7HUNDLW
GHQJDQ$NWLYLWDV3HUXVDKDDQ
'DODPKDO3HUXVDKDDQEHOXPPHQHUDSNDQVXDWX6$.GDQDWDXSHUDWXUDQ\DQJWHUNDLW
GHQJDQDNWLYLWDV3HUXVDKDDQ\DQJWHODKGLWHUELWNDQWHWDSLEHOXPHIHNWLIEHUODNX<DQJ
KDUXVGLXQJNDSNDQDQWDUDODLQ
D MXGXO6$.GDQMHQLVSHUDWXUDQEDUXWHUVHEXW ¥ +DODPDQ
E VLIDWGDULSHUXEDKDQ\DQJEHOXPEHUODNXHIHNWLIDWDXSHUXEDKDQNHELMDNDQDNXQWDQVL ¥ +DODPDQ
F WDQJJDOSHQHUDSDQ6$.GDQSHUDWXUDQEDUXWHUVHEXWGLV\DUDWNDQGDQ
¥
+DODPDQ
G SHPEDKDVDQPHQJHQDLGDPSDNSHQHUDSDQDZDO6$.GDQSHUDWXUDQEDUXDWDVODSRUDQ
NHXDQJDQDWDXSHUQ\DWDDQPDQDMHPHQEDKZDGDPSDNWHUVHEXWWLGDNGDSDWGLNHWDKXL ¥ +DODPDQ
DWDXGLHVWLPDVLVHFDUDZDMDU
5HNODVLILNDVL
D 'DODPKDO3HUXVDKDDQPHQJXEDKSHQ\DMLDQDWDXSHQJNODVLILNDVLDQSRVSRVGDODP
ODSRUDQNHXDQJDQPDND3HUXVDKDDQKDUXVPHQJXQJNDSNDQDQWDUDODLQ
¥
VLIDWUHNODVLILNDVL +DODPDQ
MXPODKPDVLQJPDVLQJSRVDWDXJDEXQJDQEHEHUDSDSRV\DQJGLUHNODVLILNDVL
GDQ
DODVDQUHNODVLILNDVL
E 'DODPKDO UHNODVLILNDVLMXPODKNRPSDUDWLIWLGDNSUDNWLVXQWXNGLODNXNDQPDND
3HUXVDKDDQKDUXVPHQJXQJNDSNDQ
¥
DODVDQWLGDNPHUHNODVLILNDVLMXPODKWHUVHEXWGDQ
VLIDWSHQ\HVXDLDQ\DQJDNDQGLODNXNDQMLNDMXPODKWHUVHEXWGLUHNODVLILNDVL
+LEDK3HPHULQWDK
6HWLDS+LEDK3HPHULQWDK\DQJGLWHULPD3HUXVDKDDQKDUXVPHQJXQJNDSNDQKDOKDOVHEDJDL
EHULNXW
D VLIDWGDQOXDV +LEDK3HPHULQWDK \DQJGLDNXLGDODPODSRUDQNHXDQJDQGDQLQGLNDVL
¥
EHQWXNODLQGDULEDQWXDQSHPHULQWDKGDQ
E NRQGLVL\DQJEHOXP WHUSHQXKLGDQNRQWLQMHQVLODLQ\DQJPHOHNDWDWDVEDQWXDQ
SHPHULQWDK\DQJWHODKGLDNXL ¥
5HNRQVLOLDVLDQWDUD6$.GHQJDQ6WDQGDU$NXQWDQVLGL1HJDUD/DLQ ¥
Page 84
Names mentioned 0 people and organisations named in the text · linked when the evidence is strong
The name pass has not read this document yet.
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.