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Laporan Tahunan | Annual Report 2024
1
PT Federal International Finance
Laporan Tahunan 2024 Annual Report
Page 2
2024
Laporan Tahunan
Annual Report
Leaping Together Into
The Future
Penjelasan Tema Laporan Tahunan 2024
Theme Explanation of 2024 Annual Report
Perjalanan panjang Perseroan menuju keberlanjutan usaha The Company's long journey towards business sustainability
membutuhkan kesabaran, ketekunan, dan kemauan dari requires patience, perseverance, and the willingness of all
segenap insan karyawan untuk menginvestasikan waktu, employees to invest time, thoughts, and energy as a solid
pikiran dan tenaga sebagai satu tim yang solid. Proses ini team. This process inevitably involves continuous learning,
tentunya melibatkan pembelajaran yang berkelanjutan, adaptation, and a shared commitment from all FIFGROUP
adaptasi, serta kemauan dari seluruh insan FIFGROUP personnel to leap together towards the same goal. With the
untuk bersama-sama melompat ke arah tujuan yang sama. spirit of “Leaping Together into the Future,” the Company
Dengan semangat “Leaping Together into the Future”, strives to foster collaboration and encourage each individual
Perseroan terus berusaha membangun kolaborasi dan to contribute more significantly to its progress. Through
mendorong setiap individu untuk berkontribusi lebih besar these efforts, the Company aims to reap the rewards and
bagi kemajuan Perseroan agar dapat memetik hasil yang embrace greater growth, both today and in the future.
manis dan merangkul pertumbuhan yang lebih baik di hari
ini ataupun di masa depan.
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Keberlanjutan Tema
Theme Continuity
2023
Level Up The Race Empower Collaboration
For Sustainable Business Excellence
Tahun 2023 menghadirkan beragam tantangan yang menjadi katalis bagi FIFGROUP
untuk semakin level up dalam implementasi setiap strategi bisnis dan nilai kompetitif
yang dimiliki. Strategi untuk menjalin kolaborasi strategis dengan berbagai pihak serta
pemanfaatan teknologi yang mumpuni terus didorong sebagai kunci utama sehingga
mampu meningkatkan kinerja keuangan dan operasional sekaligus memberikan nilai
tambah bagi konsumen. Dengan fokus pada efisiensi, inovasi, dan tata kelola, Perseroan
menjadi entitas yang lebih agile sehingga mampu melaju menegaskan keunggulan dan
mewujudkan kinerja berkelanjutan bersama seluruh pemangku kepentingan.
The year 2023 brought forth diverse challenges that served as catalysts for FIFGROUP to
PT FEDERAL INTERNATIONAL FINANCE further level up its business strategy implementation and its competitive edge. Strategic
LEVEL UP THE RACE
EMPOWER COLLABORATION collaboration with qualified partners and state-of-the-art technology utilization were key
FOR SUSTAINABLE BUSINESS EXCELLENCE factors to enhance financial and operational performance while providing added value to
customers. Through the focus on efficiency, innovation, and governance, the Company
2023 LAPORAN TAHUNAN
became a more agile entity, capable of advancing excellence and achieving business
ANNUAL REPORT
sustainability alongside all stakeholders.
2022
Tinjauan Pendukung Bisnis Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan
Embracing Resilient Collaboration
Business Support Review Management Discussion and Analysis Good Corporate Governance
Embracing Resilient Collaboration
Strive for Sustainability
Laporan Tahunan 2022 Annual Report
Strive for Sustainability
PT Federal International Finance
Portofolio bisnis Perseroan yang tetap tumbuh di tengah tantangan ekonomi pada industri
pembiayaan di sepanjang tahun 2022 didorong oleh kolaborasi strategis dengan berbagai
pihak serta pemanfaatan teknologi yang mumpuni sehingga mampu meningkatkan kinerja
keuangan dan operasional sekaligus memberikan nilai tambah bagi konsumen. Faktor
kunci keberhasilan tersebut menjadi fondasi yang kuat bagi Perseroan untuk melakukan
ekspansi bisnis pembiayaan sehingga tercapai pertumbuhan bisnis dan profitabilitas yang
berkelanjutan dengan kualitas aset produktif yang terjaga dengan baik.
The Company’s business portfolio continued to grow amidst rising economic challenges
in the financing industry throughout 2022, which is boosted by strategic collaboration
with various partners and technology utilization to enhance financial and operational
performance while providing added value to customers. These key success factors had
become a strong foundation for the Company to expand its financing business to achieve
sustainable business and profitability growth with wellmaintained productive asset quality.
PT Federal International Finance Laporan Tahunan 2022 Annual Report 1
2021
Riding The Storm Break Comfort Zone with Strong Agility,
Seize the Opportunities!
Sebagai salah satu penyedia solusi pembiayaan terdepan di Indonesia, FIFGROUP berupaya
menjawab segala tantangan yang hadir pada tahun 2021 dengan berbagai strategi dan
inisiatif, yaitu mempercepat dan memperkuat kolaborasi di internal Perseroan serta dengan
Astra Value Chain, mengoptimalkan sistem dan infrastruktur untuk mempercepat digitalisasi,
mengintegrasikan online dan offline channel, memastikan pengendalian atas operasi
bisnis di seluruh network, serta memastikan konsistensi dalam melakukan kontrol atas
cost efficiency. Secara keseluruhan, program kerja di tahun 2021, juga harus didukung
dengan pengembangan organisasi guna membawa FIFGROUP untuk terus “Riding The
Storm Break, Comfort Zone with Strong Agility, Seize the Opportunities!”
Riding The Storm
Break Comfort Zone As one of the leading financing solutions providers in Indonesia, FIFGROUP strived to answer
with Strong Agility
all the challenges in 2021 with various strategies and initiatives, such as accelerating and
Seize the Opportunities!
strengthening collaboration within the Company and with Astra Value Chain, optimizing
systems and infrastructure to accelerate digitalization, integrating online and offline channels,
PT Federal International Finance
Annual Report 2021
ensuring control over business operations across the network, as well as ensuring consistency
in controlling cost efficiency. Overall, the activities program in 2021 was also supported by
organizational development to bring FIFGROUP “Riding The Storm, Break Comfort Zone
with Strong Agility, Seize the Opportunities!"
Laporan Tahunan | Annual Report 2024
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PT Federal International Finance
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Daftar Isi
Table of Contents
Penjelasan Tema Laporan
Tahunan 2024
Theme Explanation of 2024
2
03 Profil Perusahaan
Company Profile
Daftar Entitas Anak dan/atau
Perusahaan Asosiasi
List of Subsidiaries and/or
115
Annual Report Associated Companies
Informasi Umum dan Identitas 62
Keberlanjutan Tema 3 Perseroan Struktur Grup Perusahaan 116
Theme Continuity General Information and Company Group Structure
Company Identity
Daftar Isi 4 Kronologis Pencatatan Saham 117
Table of Contents Riwayat Perseroan 64 Shares Listing Chronology
Brief History of the Company
Kronologis Pencatatan Obligasi 118
01 Performance Highlights
Ikhtisar Kinerja Logo Perusahaan
The Company’s Logo
67 atau Efek Lainnya
Chronology of Bond or other
Securities Listing
Jejak Langkah Perusahaan 68
Ikhtisar Keuangan 8 Milestones Informasi Penggunaan Jasa 125
Financial Highlights Akuntan Publik (AP) dan Kantor
Visi, Misi, dan Budaya 72
Akuntan Publik (KAP)
Ikhtisar Operasional 12 Perusahaan
Information on the Use of Public
Operational Highlights Vision, Mission, and Corporate
Accountant Services (AP) and
Culture
Ikhtisar Saham 14 Public Accounting Firm (KAP)
Shares Highlights Tata Nilai 72
Lembaga dan/atau Profesi 126
Corporate Values
Ikhtisar Obligasi 15 Penunjang
Bonds Highlights Kegiatan Usaha 74 Supporting Institutions and/or
Business Activities Profession
Peringkat Perusahaan 18
Corporate Ratings Wilayah Operasional 76 Informasi pada Situs Web 128
Operational Area Perseroan
Penghargaan dan Sertifikasi 19 Information on the Company's
Awards and Certifications Struktur Organisasi 90 Website
Organizational Structure
Peristiwa Penting Tahun 2024 29
04 Tinjauan
Important Events in 2024 Daftar Keanggotaan Asosiasi 92
List of Association Membership Pendukung Bisnis
02 Laporan Manajemen
Management Report
Informasi Perubahan Komposisi
Direksi Tahun 2024
Information on Changes in the
93 Business Support Review
Sumber Daya Manusia 132
Laporan Dewan Komisaris 39 Composition of the Board of Human Capital
Board of Commissioners’ Report Directors in 2024
Teknologi Informasi 154
Laporan Direksi 49 Profil Direksi 94 Information Technology
Board of Directors' Report Board of Directors Profile
05 Analisa dan
Surat Pernyataan Anggota 58 Informasi Perubahan Komposisi 101
Dewan Komisaris tentang Dewan Komisaris Tahun 2024 Pembahasan Manajemen
Information on Changes in the
Tanggung Jawab atas Laporan
Composition of the Board of Management Discussion
Tahunan 2024
Commissioners in 2024 and Analysis
PT Federal International Finance
Board of Commissioners Profil Dewan Komisaris 102 Perkembangan Ekonomi Global 160
Statements on the Responsibility Board of Commissioners Profile Global Economic Development
for PT Federal International
Finance Annual Report Year Pernyataan Independensi 110 Perekonomian Nasional 164
2024 Komisaris Independen dan Perkembangan Industri
Statement of Independence of Pembiayaan
Surat Pernyataan Anggota 59 Independent Commissioners National Economy and the
Direksi tentang Tanggung Jawab Development of the Financing
atas Laporan Tahunan 2024 Demografi Karyawan 111
Employee Demographics Industry
PT Federal International Finance
Board of Directors Statements on Struktur dan Komposisi 113 Tinjauan Operasi Per Segmen 168
the Responsibility for Pemegang Saham Usaha dan Informasi Segmen
PT Federal International Finance Shareholders Structure and Usaha
Annual Report Year 2024 Composition Operations Review by Business
Segment and Business Segment
Informasi Pemegang Saham 114 Information
Utama dan/atau Pengendali
Information on Majority and/or Tinjauan Keuangan 172
Controlling Shareholders Financial Review
Informasi Keuangan Material 182
Lainnya
Other Material Financial Information
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06 Tata Kelola Perusahaan
Good Corporate Governance
Komite-Komite Pendukung di
Bawah Dewan Komisaris
Supporting Committees Under
268 Akses Informasi dan Data
Perseroan
Access to Company Information
332
the Board of Commissioners and Data
Komitmen Manajemen terhadap 204
Penerapan GCG Komite Audit 268 Transparansi dan Kondisi 342
Management Commitment to Audit Committee Keuangan dan Non-Keuangan
GCG Implementation Transparency and Financial & Non-
Komite Pemantau Risiko 277 Financial Conditions
Dasar Hukum atau Landasan 205 Risk Monitoring Committee
Penerapan GCG Transparansi Produk dan 343
Legal Basis or Foundation for the Komite Nominasi dan 285 Penggunaan Data Debitur
Implementation of GCG Remunerasi Product Transparency and Use of
Nomination and Remuneration Debtors’ Data
Prinsip-Prinsip Dasar GCG 207 Committee
Basic Principles of GCG Kode Etik dan Budaya Perseroan 345
Komite-Komite Pendukung di 292 Company Code of Conduct and
Bawah Direksi Culture
Roadmap Penerapan GCG 210
Supporting Committees Under
Roadmap for GCG
the Board of Directors Sistem Pelaporan Pelanggaran 348
Implementation
Whistleblowing System
Komite Manajemen Risiko 292
Keterkaitan Penerapan Tata 212
Risk Management Committee Kebijakan Anti-Korupsi dan 352
Kelola Perusahaan dengan
Penyuapan
Kinerja Perseroan Komite Pengarah Teknologi 293 Anti-Corruption and Bribery Policy
The Relationship Between the Informasi
Implementation of Corporate Information Technology Penyediaan Dana untuk Kegiatan 356
Governance and Steering Committee Sosial dan Kegiatan Politik
the Company's Performance Provision of Funds for Social and
Sekretaris Perusahaan 295 Political Activities
Struktur dan Mekanisme GCG 213 Corporate Secretary
GCG Structure and Mechanism Kebijakan Penanganan Keluhan 357
Unit Audit Internal 300 Konsumen
Penilaian GCG Tahun 2024 214 Internal Audit Unit Policy of Consumer Complaint
GCG Assessment in 2024
Audit Eksternal 308 Handling
Rapat Umum Pemegang Saham 218 External Audit Integritas Pelaporan dan Sistem 361
(“RUPS”)
Sistem Pengendalian Internal 310 Teknologi Informasi
General Meeting of Shareholders
(SPI) Integrity of Reporting and
("GMS")
Internal Control System (SPI) Information Technology Systems
Dewan Komisaris 228
Manajemen Risiko 314 Program Kepemilikan Saham oleh 361
Board of Commissioners
Risk Management Karyawan dan/atau Manajemen
Komisaris Independen 242 Employee and/or Management
Independent Commissioner Fungsi Kepatuhan 323 Share Ownership Program
Compliance Function
Direksi 244 Kebijakan Pengungkapan Saham 362
Board of Directors Program Anti Pencucian 326 Anggota Direksi dan Dewan
Uang dan Pencegahan Komisaris
Dewan Pengawas Syariah 254 Pendanaan Terorisme (APU Disclosure Policy on Share
Sharia Supervisory Board PPT) & Pencegahan Pendanaan Ownership by Members of the
Proliferasi Senjata Pemusnah Board of Directors and
Kebijakan Keberagaman 262
Massal (PPPSPM) Board of Commissioners
Komposisi Dewan Komisaris dan
Anti Money Laundering and
Direksi Praktik Bad Governance 362
Counter-Terrorism Financing
Diversity Policy Composition of Bad Governance Practice
Program (AML CTF) & Counter
the Board of Commissioners and
Proliferation Financing of Pedoman Peraturan 362
Directors
Weapons of Mass Destruction Perdagangan Efek
Pengungkapan Hubungan Afiliasi 266 (CPF Program) Securities Dealing Rules Policies
Anggota Dewan Komisaris,
Perkara Hukum 330
Direksi, dan Pemegang Saham
Legal Cases
Utama Laporan Keberlanjutan 364
Disclosure of Affiliation Sanksi Administratif 331 Sustainability Report
Relationships of Members of Administrative Sanctions
the Board of Commissioners,
Kerangka Governansi, 331
07 Laporan
Directors, and Majority
Shareholders Pengelolaan dan Pengendalian Keuangan
Aspek Perpajakan Financial Statements
Governance Framework,
Management and Control of
Taxation Aspects
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Ikhtisar
Kinerja
Performance
Highlights
01
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Ikhtisar Keuangan
Financial Highlights
Laporan Posisi Keuangan
Statements of Financial Position
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Uraian 2024 2023 2022 2021* 2020** Description
Kas dan setara kas 304.180 612.439 618.239 901.183 1.723.654 Cash and cash equivalents
Piutang pembiayaan 39.902.300 33.793.190 31.271.743 30.254.167 29.217.131 Consumer financing
konsumen-setelah dikurangi receivables-net of allowance
penyisihan kerugian for impairment losses
penurunan nilai
Aset yang diperoleh untuk 3.681.599 3.064.456 885.550 210.102 312.999 Asset acquired for
ijarah-setelah dikurangi ijarah-net of accumulated
akumulasi penyusutan depreciation
Piutang lain-lain-setelah 350.611 192.181 119.387 89.245 70.662 Other receivables-net of
dikurangi penyisihan kerugian allowance for impairment
penurunan nilai losses
Beban dibayar dimuka 131.342 147.498 68.564 103.819 86.929 Prepayments
Klaim atas restitusi pajak 11.844 55.178 65.623 71.932 96.666 Claim for tax refund
Aset derivatif 197.590 195.833 403.703 9.014 3.163 Derivative assets
Investasi pada entitas asosiasi 37.257 57.559 78.120 25.154 - Investment in associate
Aset pajak tangguhan-bersih 208.939 297.040 343.804 351.339 384.880 Deferred tax assets-net
Aset tetap-setelah dikurangi 855.549 753.520 687.723 635.383 689.643 Fixed assets-net of
akumulasi penyusutan accumulated depreciation
JUMLAH ASET 45.681.211 39.168.894 34.542.456 32.651.338 32.585.727 TOTAL ASSETS
Catatan | Note:
* Tidak dikonsolidasi sejak tanggal 1 Juli 2021 | Not consolidated since July 1, 2021
** Angka konsolidasian | Consolidated figures
Jumlah Aset Piutang Pembiayaan Konsumen - Bersih
Total Assets Consumer Financing Receivables - Net
disajikan dalam jutaan Rupiah | expressed in millions of Rupiah disajikan dalam jutaan Rupiah | expressed in millions of Rupiah
2024 45.681.211 2024 39.902.300
2023 39.168.894 2023 33.793.190
2022 34.542.456 2022 31.271.743
2021 32.651.338 2021 30.254.167
2020 32.585.727 2020 29.217.131
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Ikhtisar Kinerja
Performance Highlights
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Uraian 2024 2023 2022 2021* 2020** Description
Utang penyalur kendaraan 170.339 409.575 512.275 584.125 409.424 Dealer payables
Utang premi asuransi 505.821 533.460 554.609 571.965 527.035 Insurance premium payables
Akrual 533.044 636.123 979.874 1.108.704 939.993 Accruals
Utang pajak 409.028 453.575 434.747 392.947 405.202 Taxes payable
Utang lain-lain 212.083 177.196 179.375 197.375 281.812 Other payables
Liabilitas derivatif 6.398 13.717 14.393 245.093 472.032 Derivative liabilities
Pinjaman 22.736.202 17.171.913 15.039.391 13.359.544 11.115.722 Borrowings
Surat berharga yang 8.620.483 8.215.088 5.459.273 6.666.870 10.603.869 Securities issued:
diterbitkan:
- Obligasi - Bonds
Liabilitas imbalan kerja 312.100 267.191 247.002 273.050 335.288 Employee benefit obligations
JUMLAH LIABILITAS 33.505.498 27.877.838 23.420.939 23.399.673 25.090.377 TOTAL LIABILITIES
JUMLAH EKUITAS 12.175.713 11.291.056 11.121.517 9.251.665 7.495.350 TOTAL EQUITY
JUMLAH LIABILITAS DAN 45.681.211 39.168.894 34.542.456 32.651.338 32.585.727 TOTAL LIABILITIES
EKUITAS AND EQUITY
Catatan | Note:
* Tidak dikonsolidasi sejak tanggal 1 Juli 2021 | Not consolidated since July 1, 2021
** Angka konsolidasian | Consolidated figures
Jumlah Liabilitas Jumlah Ekuitas
Total Liabilities Total Equity
disajikan dalam jutaan Rupiah | expressed in millions of Rupiah disajikan dalam jutaan Rupiah | expressed in millions of Rupiah
2024 33.505.498 2024 12.175.713
2023 27.877.838 2023 11.291.056
2022 23.420.939 2022 11.121.517
2021 23.399.673 2021 9.251.665
2020 25.090.377 2020 7.495.350
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Laporan Laba Rugi dan Penghasilan Komprehensif Lain
Statements of Profit or Loss and Other Comprehensive Income
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Uraian 2024 2023 2022 2021* 2020** Description
Jumlah Penghasilan 12.153.904 10.416.484 8.963.160 8.840.422 9.579.043 Total income
Beban usaha (2.945.353) (2.496.902) (2.325.992) (2.370.868) (2.466.400) Operating expenses
Beban bunga dan keuangan (2.095.510) (1.579.495) (1.245.696) (1.717.934) (2.166.304) Interest and financing
charges
Penyisihan kerugian (1.058.091) (810.138) (1.116.420) (1.328.368) (2.612.331) Allowance for impairment
penurunan nilai pembiayaan losses of consumer
konsumen financing
Rugi entitas asosiasi (20.282) (20.605) (22.101) (15.969) - Loss from investment in
associate
Beban penurunan nilai lain- (363.281) (235.891) (172.842) (228.663) (402.659) Other impairment charges
lain
Jumlah beban (6.482.517) (5.143.031) (4.883.051) (5.661.802) (7.647.694) Total expenses
LABA SEBELUM PAJAK 5.671.387 5.273.453 4.080.109 3.178.620 1.931.349 PROFIT BEFORE INCOME
PENGHASILAN TAX
BEBAN PAJAK (1.255.853) (1.166.062) (906.449) (711.213) (443.281) INCOME TAX EXPENSE
PENGHASILAN
LABA BERSIH 4.415.534 4.107.391 3.173.660 2.467.407 1.488.068 NET INCOME
(KERUGIAN)/PENGHASILAN (16.317) 30.308 86.112 138.773 (125.707) OTHER COMPREHENSIVE
KOMPREHENSIF LAIN (LOSS)/INCOME FOR THE
TAHUN BERJALAN, YEAR, NET OF TAX
SETELAH PAJAK
JUMLAH PENGHASILAN 4.399.217 4.137.699 3.259.772 2.606.180 1.362.361 TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN INCOME FOR THE YEAR, NET
BERJALAN, SETELAH PAJAK OF TAX
Laba bersih yang Net income attributable to:
diatribusikan kepada:
Entitas induk 4.415.534 4.107.391 3.173.660 2.468.058 1.488.582 Parent company
Kepentingan non-pengendali - - - (651) (514) Non-controlling interest
4.415.534 4.107.391 3.173.660 2.467.407 1.488.068
Jumlah penghasilan Total comprehensive income attributable to:
komprehensif yang
diatribusikan kepada:
Entitas induk 4.399.217 4.137.699 3.259.772 2.606.831 1.362.875 Parent company
Kepentingan non- pengendali - - - (651) (514) Non-controlling interest
4.399.217 4.137.699 3.259.772 2.606.180 1.362.361
LABA BERSIH PER 15.770 14.669 11.335 8.812 5.315 BASIC EARNINGS PER SHARE
SAHAM (Rupiah penuh) (full Rupiah amount)
Catatan | Note:
* Tidak dikonsolidasi sejak tanggal 1 Juli 2021 | Not consolidated since July 1, 2021
** Angka konsolidasian | Consolidated figures
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Ikhtisar Kinerja
Performance Highlights
Jumlah Penghasilan Laba Bersih
Total Income Net Income
disajikan dalam jutaan Rupiah | expressed in millions of Rupiah disajikan dalam jutaan Rupiah | expressed in millions of Rupiah
2024 12.153.904 2024 4.415.534
2023 10.416.484 2023 4.107.391
2022 8.963.160 2022 3.173.660
2021 8.840.422 2021 2.467.407
2020 9.579.043 2020 1.488.068
Laporan Arus Kas
Statements of Cash Flows
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Uraian 2024 2023 2022 2021* 2020** Description
Arus kas bersih (digunakan (2.166.579) (650.966) 1.603.871 2.438.122 5.939.300 Net cash flows (used in)/
untuk)/diperoleh dari aktivitas provided by operating
operasi activities
Arus kas bersih digunakan (485.684) (430.055) (463.811) (387.577) (297.930) Net cash flows used in
untuk aktivitas investasi investing activities
Arus kas bersih diperoleh 2.344.712 1.075.729 (1.422.562) (2.872.864) (4.558.949) Net cash flows provided by/
dari/(digunakan untuk) (used in) financing
aktivitas pendanaan activities
(Penurunan)/kenaikan bersih (307.551) (5.292) (282.502) (822.319) 1.082.421 Net (decrease)/increase in
kas dan setara kas cash and cash equivalents
Penyesuaian atas selisih kurs (708) (508) (442) (152) (5.485) Foreign exchanges
dalam kas dan setara kas adjustment in cash and cash
equivalents
Kas dan setara kas pada awal 612.439 618.239 901.183 1.723.654 646.718 Cash and cash equivalents at
tahun beginning of year
Kas dan setara kas pada akhir 304.180 612.439 618.239 901.183 1.723.654 Cash and cash equivalents
tahun at end of year
Catatan | Note:
* Tidak dikonsolidasi sejak tanggal 1 Juli 2021 | Not consolidated since July 1, 2021
** Angka konsolidasian | Consolidated figures
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Rasio-Rasio Keuangan
Financial Ratios
Uraian 2024 2023 2022 2021* 2020** Description
Imbal Hasil Aset 12,41% 13,46% 11,81% 9,73% 5,93% Return on Assets (ROA)
Imbal Hasil Ekuitas 36,27% 36,38% 28,54% 26,67% 19,85% Return on Equity (ROE)
Jumlah liabilitas/jumlah aset 0,73x 0,71x 0,68x 0,72x 0,77x Total liabilities/total assets
Jumlah liabilitas/jumlah 2,75x 2,47x 2,11x 2,53x 3,35x Total liabilities/total equity
ekuitas
Gearing ratio 2,58x 2,25x 1,84x 2,16x 2,89x Gearing ratio
Rasio saldo piutang 87,18% 86,12% 90,40% 92,58% 89,68% Net financing receivables to
pembiayaan neto terhadap asset ratio
jumlah aset
Rasio piutang pembiayaan 1,18% 0,98% 0,90% 0,90% 1,48% Non-performing financing
bermasalah (“NPF”)-bruto ratio (“NPF”)-gross
Catatan | Note:
* Tidak dikonsolidasi sejak tanggal 1 Juli 2021 | Not consolidated since July 1, 2021
** Angka konsolidasian | Consolidated figures
Ikhtisar Operasional
Operational Highlights
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Uraian 2024 2023 2022 2021* 2020** Description
Jumlah Kontrak Aktif 4.043.974 3.853.763 3.633.476 3.812.576 4.284.192 Total Active Contracts
Jumlah Cabang 250 248 243 243 242 Total Branches
Jumlah Karyawan 14.134 13.801 13.961 14.279 15.665 Total Employees
Catatan | Note:
* Tidak dikonsolidasi sejak tanggal 1 Juli 2021 | Not consolidated since July 1, 2021
** Angka konsolidasian | Consolidated figures
Laporan Tahunan | Annual Report 2024
12
PT Federal International Finance
Page 13
Ikhtisar Kinerja
Performance Highlights
Kontrak Baru Berdasarkan Jenis Pembiayaan (Unit)
New Contract Based On Types of Financing (Unit)
Uraian 2024 2023 2022 2021 2020 Description
FIFASTRA 1.685.264 1.602.019 1.249.454 1.226.503 1.081.563 FIFASTRA
Pembiayaan Motor Baru New Motorcycle
(NMC) Financing
DANASTRA 1.422.872 1.426.122 1.363.956 1.278.048 1.297.554 DANASTRA
Pembiayaan Multiguna Multi Purpose Financing
SPEKTRA 84.632 93.481 114.040 114.264 217.682 SPEKTRA
Pembiayaan Multi Produk Multi Product Financing
FINATRA 13.534 13.453 3.258 (*) (*) FINATRA
Pembiayaan Mikro Produktif Micro Productive Financing
AMITRA 22.794 21.130 13.643 3.065 14.312 AMITRA
Pembiayaan Syariah Sharia Financing
JUMLAH 3.229.096 3.156.205 2.744.351 2.621.880 2.611.111 TOTAL
Catatan | Note:
* Diluncurkan pada tahun 2022 | Issued in 2022
Kontrak Baru Berdasarkan Jenis Pembiayaan (Rp Juta)
New Contract Based On Types of Financing (Rp Million)
Uraian 2024 2023 2022 2021 2020 Description
FIFASTRA 29.900.350 26.921.760 21.392.804 21.250.199 19.352.213 FIFASTRA
Pembiayaan Motor Baru New Motorcycle
(NMC) Financing
DANASTRA 14.118.470 13.408.988 12.412.668 9.844.690 9.508.908 DANASTRA
Pembiayaan Multiguna Multi Purpose Financing
SPEKTRA 423.197 450.875 703.556 675.550 940.395 SPEKTRA
Pembiayaan Multi Produk Multi Product Financing
FINATRA 914.743 1.049.714 309.501 (*) (*) FINATRA
Pembiayaan Mikro Produktif Micro Productive Financing
AMITRA 586.895 503.440 266.201 56.830 307.990 AMITRA
Pembiayaan Syariah Sharia Financing
JUMLAH 45.943.655 42.334.777 35.084.730 31.827.269 30.109.507 TOTAL
Catatan | Note:
* Diluncurkan pada tahun 2022 | Issued in 2022
Laporan Tahunan | Annual Report 2024
13
PT Federal International Finance
Page 14
Ikhtisar Saham
Shares Highlights
Kinerja Perdagangan Saham Stock Trading Performance
Dengan status sebagai perusahaan non-publik, Perseroan With the status as a non-public company, the Company does
tidak menyajikan informasi terkait dengan jumlah saham not present information related to the number of shares
yang beredar; kapitalisasi pasar berdasarkan harga pada outstanding; market capitalization based on the price on
Bursa Efek tempat saham dicatatkan; harga saham tertinggi, the Stock Exchange where the shares are listed; highest,
terendah, dan penutupan berdasarkan harga pada Bursa lowest, and closing share price based on the price on the
Efek tempat saham dicatatkan; dan volume perdagangan Stock Exchange where the shares are listed; and trading
pada Bursa Efek tempat saham tersebut dicatatkan. volume on the Stock Exchange where the shares are listed.
Kebijakan Suspensi dan Delisting Saham Stock Suspension and Delisting Policy
Sebagai perusahaan tertutup yang tidak pernah As a closed company that has never traded its shares on any
memperdagangkan sahamnya di bursa efek mana pun, stock exchange, the Company has never been subject to
Perseroan tidak pernah dikenakan sanksi perdagangan stock trading sanctions in the form of suspension or delisting.
saham baik berupa penghentian sementara perdagangan
saham (suspension) maupun penghapusan pencatatan
saham (delisting).
Aksi Korporasi Terkait Saham Corporate Actions Related to Shares
Perseroan tidak melakukan aksi korporasi berupa The Company does not conduct corporate actions in the
pemecahan saham (stock split), penggabungan saham form of stock splits,reverse stock combinations, as well as
(reverse stock), serta pemberian atau pengeluaran dividen the granting or issuance of stock dividends, bonus shares,
saham, saham bonus, dan tidak melakukan penurunan and no decrease in the nominal value of shares. However,
nilai nominal saham). Namun terkait pembagian dividen, in relation to dividend distribution, based on the resolution
berdasarkan hasil keputusan Rapat Umum Pemegang Saham of the General Meeting of Shareholders (GMS) dated April
(RUPS) tertanggal 19 April 2024, para pemegang saham 19, 2024, the shareholders approved the distribution of
menyetujui pembagian dividen final sejumlah Rp2.787.400 final dividend in the amount of Rp2.787.400 or Rp9.955
atau Rp9.955 (Rupiah penuh) per saham biasa dari laba (full Rupiah) per common share from the net profit of 2023
bersih tahun 2023 (2023: Rp2.648.240 atau Rp9.458 (2023: Rp2.648.240 or Rp9.458 (full Rupiah) per common
(Rupiah penuh) per saham biasa dari laba bersih tahun share from the net profit of 2022 based on the AGMS dated
2022 berdasarkan RUPS Tahunan tanggal 6 April 2023. April 6, 2023.
Laporan Tahunan | Annual Report 2024
14
PT Federal International Finance
Page 15
Ikhtisar Kinerja
Performance Highlights
Ikhtisar Obligasi
Bonds Highlights
Pada tahun 2024, Perseroan menerbitkan 2 (dua) jenis In 2024, the Company issued 2 (two) new bonds, namely
obligasi baru, yaitu Obligasi Berkelanjutan VI Federal Federal International Finance VI Shelf Registration
International Finance Dengan Tingkat Bunga Tetap Bonds with Fixed Interest Rate Phase III Year 2024 worth
Tahap III Tahun 2024 senilai Rp2.000.000.000.000 dan Rp2,000,000,000,000 and Federal International Finance VI
Obligasi Berkelanjutan VI Federal International Finance Shelf Registration Bonds with Fixed Interest Rate Phase IV
Dengan Tingkat Bunga Tetap Tahap IV Tahun 2024 senilai Year 2024 worth Rp2,500,000,000,000. Both bonds were
Rp2.500.000.000.000. Kedua obligasi tersebut diluncurkan launched in 2 (two) series, namely Series A and Series B.
dalam 2 (dua) seri, yaitu Seri A dan Seri B.
Dengan diterbitkannya kedua jenis obligasi baru tersebut, With the issuance of the two new bonds, the following is a
berikut ini adalah daftar obligasi Perseroan yang belum list of the Company’s bonds that have not yet matured until
jatuh tempo sampai dengan 31 Desember 2024: December 31, 2024:
Tanggal
Bursa
Efektif Bunga Peringkat Jangka Jatuh
Pencatatan
Jenis Obligasi Seri Penerbitan Nilai Nominal Obligasi Obligasi Waktu Tempo
Obligasi
Type of Bond Series Effective Nominal Value Bond Bond Time Maturity
Bond Listing
Date of Interest Rating Period Date
Exchange
Issuance
Obligasi B 27 Mei 806.973.000.000 5,60% idAAA 36 bulan 25 Maret Bursa Efek
Berkelanjutan 2021 Pefindo 36 months 2025 Indonesia (BEI)
V Federal May 27, dan March 25, Indonesia Stock
International 2021 AAA(idn) 2025 Exchange (IDX)
Finance Fitch
dengan
Tingkat Bunga
Tetap Tahap III
Tahun 2022
Federal
International
Finance
Continuance
Bonds V with
fixed Interest
Rate Phase III
Year 2022
Obligasi B 27 Mei 676.240.000.000 6,80% idAAA 36 bulan 28 Oktober Bursa Efek
Berkelanjutan 2021 Pefindo 36 months 2025 Indonesia (BEI)
V Federal May 27, dan October Indonesia Stock
International 2021 AAA(idn) 28, 2025 Exchange (IDX)
Finance Fitch
dengan
Tingkat Bunga
Tetap Tahap IV
Tahun 2022
Federal
International
Finance
Continuance
Bonds V with
fixed Interest
Rate Phase IV
Year 2022
Laporan Tahunan | Annual Report 2024
15
PT Federal International Finance
Page 16
Tanggal
Bursa
Efektif Bunga Peringkat Jangka Jatuh
Pencatatan
Jenis Obligasi Seri Penerbitan Nilai Nominal Obligasi Obligasi Waktu Tempo
Obligasi
Type of Bond Series Effective Nominal Value Bond Bond Time Maturity
Bond Listing
Date of Interest Rating Period Date
Exchange
Issuance
Obligasi B 27 Mei 1.964.777.000.000 6,80% idAAA 36 bulan 24 Februari Bursa Efek
Berkelanjutan 2021 Pefindo 36 months 2026 Indonesia (BEI)
V Federal May 27, dan February Indonesia Stock
International 2021 AAA(idn) 24, 2026 Exchange (IDX)
Finance Fitch
dengan
Tingkat Bunga
Tetap Tahap V
Tahun 2023
Federal
International
Finance
Continuance
Bonds V with
fixed Interest
Rate Phase V
Year 2023
Obligasi B 27 Juni 433.850.000.000 6,00% idAAA 36 bulan 11 Juli 2026 Bursa Efek
Berkelanjutan 2023 Pefindo 36 months July 11, Indonesia (BEI)
VI Federal June 27, 2026 Indonesia Stock
International 2023 Exchange (IDX)
Finance
dengan
Tingkat Bunga
Tetap Tahap I
Tahun 2023
Federal
International
Finance
Continuance
Bonds VI with
fixed Interest
Rate Phase I
Year 2023
Obligasi B 27 Juni 250.784.000.000 6,75% idAAA 36 bulan 16 Bursa Efek
Berkelanjutan 2023 Pefindo 36 months November Indonesia (BEI)
VI Federal June 27, 2026 Indonesia Stock
International 2023 November Exchange (IDX)
Finance 16, 2026
dengan
Tingkat Bunga
Tetap Tahap II
Tahun 2023
Federal
International
Finance
Continuance
Bonds VI with
fixed Interest
Rate Phase II
Year 2023
Laporan Tahunan | Annual Report 2024
16
PT Federal International Finance
Page 17
Ikhtisar Kinerja
Performance Highlights
Tanggal
Bursa
Efektif Bunga Peringkat Jangka Jatuh
Pencatatan
Jenis Obligasi Seri Penerbitan Nilai Nominal Obligasi Obligasi Waktu Tempo
Obligasi
Type of Bond Series Effective Nominal Value Bond Bond Time Maturity
Bond Listing
Date of Interest Rating Period Date
Exchange
Issuance
Obligasi A 27 Juni 1.109.437.000.000 6,40% idAAA 370 hari 12 April Bursa Efek
Berkelanjutan 2023 Pefindo 370 days 2025 Indonesia (BEI)
VI Federal June 27, April 12, Indonesia Stock
International 2023 2025 Exchange (IDX)
Finance
Dengan B 27 Juni 890.563.000.000 6,55% idAAA 36 bulan 2 April Bursa Efek
Tingkat Bunga 2023 Pefindo 36 months 2027 Indonesia (BEI)
Tetap Tahap III June 27, April 2, Indonesia Stock
Tahun 2024 2023 2027 Exchange (IDX)
Federal
International
Finance
Continuance
Bonds VI with
fixed Interest
Rate Phase III
Year 2024
Obligasi A 27 Juni 1.252.174.000.000 6,55% idAAA 370 hari 16 Bursa Efek
Berkelanjutan 2023 Pefindo 370 days September Indonesia (BEI)
VI Federal June 27, 2025 Indonesia Stock
International 2023 September Exchange (IDX)
Finance 16, 2025
Dengan
Tingkat Bunga B 27 Juni 1.247.826.000.000 6,90% idAAA 36 bulan 6 Bursa Efek
Tetap Tahap IV 2023 Pefindo 36 months September Indonesia (BEI)
Tahun 2024 June 27, 2027 Indonesia Stock
2023 September Exchange (IDX)
Federal 6, 2027
International
Finance
Continuance
Bonds VI with
fixed Interest
Rate Phase IV
Year 2024
Pada tahun 2024, Perseroan tidak menerbitkan efek-efek In 2024, the Company did not issue any other debt securities
bersifat utang lainnya di bursa mana pun selain Obligasi. on any exchange other than the Bonds.
Laporan Tahunan | Annual Report 2024
17
PT Federal International Finance
Page 18
Peringkat Perusahaan
Corporate Ratings
Perseroan mendapatkan hasil pemeringkatan dari PT The Company obtained rating results from PT Pemeringkat
Pemeringkat Efek Indonesia (Pefindo), PT Fitch Ratings Efek Indonesia (Pefindo), PT Fitch Ratings Indonesia, and
Indonesia, dan Moody’s Ratings dengan hasil pemeringkatan Moody’s Ratings with the following rating results:
sebagai berikut:
Lembaga Pemeringkat Tanggal Pemeringkatan Kriteria Pemeringkatan Peringkat
Rating Agencies Date of Rating Criteria of Rating Rating
PT Pemeringkat Efek Indonesia (Pefindo) 5 Maret 2024 Corporate Rating idAAA/Stable
March 5, 2024
5 Maret 2024 Shelf Reg. Bond VI Phase III/2024 idAAA
March 5, 2024
13 Agustus 2024 Shelf Reg. Bond VI Phase IV/2024 idAAA
August 13, 2024
PT Fitch Ratings Indonesia 5 September 2024 Peringkat nasional jangka Panjang AAA(idn)/Stable
September 5, 2024 Long-term national rating Outlook
Peringkat nasional jangka pendek F1+(idn)
Short-term national rating
Peringkat international jangka BBB/Stable Outlook
panjang
Long-term international rating
Peringkat nasional jangka Panjang AAA(idn)
untuk obligasi berkelanjutan V
Federal International Finance Tahap
II Tahun 2021
Long-term national rating for the
Federal International Finance V
Shelf-Registration Bonds Phase II
Year 2021
Peringkat nasional jangka Panjang AAA(idn)
untuk obligasi berkelanjutan V
Federal International Finance Tahap
III dan IV Tahun 2022
Long-term national rating for the
Federal International Finance V
Shelf-Registration Bonds Phase III
and IV Year 2022
Peringkat nasional jangka Panjang AAA(idn)
untuk obligasi berkelanjutan V
Federal International Finance Tahap
V Tahun 2023
Long-term national rating for the
Federal International Finance V
Shelf-Registration Bonds Phase V
Year 2023
Moody’s Ratings 17 Oktober 2024 Peringkat Perusahaan Baa2/P-2
October 17, 2024 Corporate Rating
Laporan Tahunan | Annual Report 2024
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Page 19
Ikhtisar Kinerja
Performance Highlights
Penghargaan dan Sertifikasi
Awards and Certifications
5
6 7
1 2 3 4
Penghargaan | Awards
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
1 Juara Umum Astra Communication Management Corporate Affairs 18 Februari 2024 PT Astra International Tbk.
System Astra 2023 February 18, 2024
Overall Champion Astra Communication
Management System
2 Astra Communication Management System, Corporate Affairs 18 Februari 2024 PT Astra International Tbk.
Juara 1 kategori Perusahaan Non Tbk Astra 2023 February 18, 2024
Astra Communication Management System, 1st
Place in Non Limited Liability Company Category
3 Communication Initiatives, Juara 2 sub-kategori Corporate Affairs 18 Februari 2024 PT Astra International Tbk.
Digital Public Engagement Initiatives Astra 2023 February 18, 2024
Communication Initiatives, 2nd Place in Digital
Public Engagement Initiatives Sub-category
4 Astra Friendly Company, Juara 3 sub-kategori Corporate Affairs 18 Februari 2024 PT Astra International Tbk.
Community Health and Well Being Astra 2023 February 18, 2024
Astra Friendly Company, 3rd Place in Community
Health and Well-being Sub-category
5 Penghargaan sebagai Mitra UMKM – FINATRA UMKM Summit 7 Maret 2024 Media OMG
Award as MSMEs Partner - FINATRA March 7, 2024
6 Silver Winner atas Program Digital PR PR INDONESIA 8 Maret 2024 PR INDONESIA
Cerita UMKM Binaan FIFGROUP Award 2023 March 8, 2024
Silver Winner for Digital PR Program -
FIFGROUP-Assisted MSMEs Stories
7 Silver Winner atas Program Corporate PR PR INDONESIA 8 Maret 2024 PR INDONESIA
Smart (Silaturahim Dengan Media Akrab Dan Award 2023 March 8, 2024
Ramah Tanpa Batas)
Silver Winner for Corporate PR Program - Smart
(Silaturahim Dengan Media Akrab Dan Ramah
Tanpa Batas/Building Friendly and Boundless
Connections with Media)
Laporan Tahunan | Annual Report 2024
19
PT Federal International Finance
Page 20
11 12
8 9 10
Penghargaan | Awards
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
8 Silver Winner atas Program Komunikasi CSR PR INDONESIA 8 Maret 2024 PR INDONESIA
Sustainable Business Practice - FIFGROUP Award 2023 March 8, 2024
#CareForGreenLiving
Silver Winner for CSR Communication Program
in Sustainable Business Practice - FIFGROUP
#CareForGreenLiving
9 Silver Winner atas Program Komunikasi CSR PR INDONESIA 8 Maret 2024 PR INDONESIA
Community Development - FIFGROUP Doping Award 2023 March 8, 2024
(Dorong Pengetahuan Literasi Keuangan)
Silver Winner for CSR Communication Program
in Community Development - FIFGROUP Doping
(Dorong Pengetahuan Literasi Keuangan/
Encouraging Financial Literacy)
10 Silver Winner atas Program Komunikasi CSR PR INDONESIA 8 Maret 2024 PR INDONESIA
Community Development - FIFGROUP Hijau Award 2023 March 8, 2024
(Hutan Inspiratif Jaga Alam Utuh)
Silver Winner for CSR Communication Program
in Community Development - FIFGROUP Hijau
(Hutan Inspiratif Jaga Alam Utuh/Inspirational
Forests Preserve Nature's Integrity)
11 Bronze Winner atas Program Corporate PR PR INDONESIA 8 Maret 2024 PR INDONESIA
Wealth Wisdom: Mengoptimalkan Fasilitas Award 2023 March 8, 2024
Pembiayaan Dengan Cerdas Dan Bijak
Bronze Winner for Corporate PR Program Wealth
Wisdom: Optimizing Loan Facilities Smartly and
Wisely
12 Bronze Winner atas Laporan Tahunan – PR INDONESIA 8 Maret 2024 PR INDONESIA
Sustainability Report Award 2023 March 8, 2024
Bronze Winner for Annual Report - Sustainability
Report
Laporan Tahunan | Annual Report 2024
20
PT Federal International Finance
Page 21
Ikhtisar Kinerja
Performance Highlights
18 19
20
14 17
13 15 16
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
13 The Best Human Capital for Prioritizing Indonesia Human 6 Mei 2024 Warta Ekonomi
Organizational Agility Principles in Optimizing Capital Awards May 7, 2024
Employee Competencies 2024
14 Indonesia Best CSR in Finance Sector 2024 6th Indonesia CSR 7 Mei 2024 The Iconomics
Awards 2024 May 7, 2024
15 Gold Winner Excellence in Crisis Management HR Excellence 19 Juli 2024 Lighthouse Independent
Planning Awards Indonesia July 19, 2024 Media Singapore
2024
16 Bronze Winner Excellence in Workplace Culture HR Excellence 19 Juli 2024 Lighthouse Independent
Awards Indonesia July 19, 2024 Media Singapore
2024
17 Learning & Development (L&D) and Knowledge The 15th Indonesia 25 Juli 2024 SWA Media & Lembaga
Management HR Excellence July 25, 2024 Management Fakultas
Conference & Ekonomi & Bisnis Universitas
Awarding 2024 Indonesia (LM-FEBUI)
18 Reward Management & Talent Retention The 15th Indonesia 25 Juli 2024 SWA Media & Lembaga
Strategy HR Excellence July 25, 2024 Management Fakultas
Conference & Ekonomi & Bisnis Universitas
Awarding 2024 Indonesia (LM-FEBUI)
19 Employer Branding and Talent Acquisition The 15th Indonesia 25 Juli 2024 SWA Media & Lembaga
HR Excellence July 25, 2024 Management Fakultas
Conference & Ekonomi & Bisnis Universitas
Awarding 2024 Indonesia (LM-FEBUI)
20 FIF sebagai The Excellent Performance Multinance Award 29 Juli 2024 Infobank
Multifinance Company (Asset > Rp10 trillion) 2024 July 25, 2024
FIF as The Excellent Performance Multifinance
Company (Assets > Rp10 trillion)
Laporan Tahunan | Annual Report 2024
21
PT Federal International Finance
Page 22
27
26
25
21 22 24
23
HerStory proudly honors:
PT Federal International Finance (FIFGROUP)
as
Indonesia Best Workplace for Women 2024
in Encouraging Employee Welfare and Equality
Category :
Multifinance
Friday, August 23 2024
th
Jakarta
Muhamad Ihsan
Founder & CEO
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
21 Popular Companies 2024 5th Indonesia PR 15 Agustus 2024 The Iconomics
Summit 2024 August 15, 2024
22 Popular PR Persons 2024 5th Indonesia PR 15 Agustus 2024 The Iconomics
Summit 2024 August 15, 2024
23 Indonesia Best Workspace For Women Awards Indonesia Best 27 Agustus 2024 Warta Ekonomi
2024 Workspace For August 27, 2024
Women Awards
24 Public Relations Top Leader Award 2024 Indonesia PR Top 29 Agustus 2024 Warta Ekonomi
Leader Award 2024 August 29, 2024
25 Most Popular Brand of The Year 2024 Kategori 7 Most Popular 4 September 2024 Jawa Pos
Keuangan (Multifinance) Brand of The Year September 4, 2024
Most Popular Brand of The Year 2024 in the 2024
Finance Category (Multifinance)
26 Best Performance Multifinance Kategori Aset di Bisnis Indonesia 18 September 2024 Bisnis Indonesia
Atas Rp10 Triliun Financial Award September 18, 2024
Best Performance Multifinance in Asset Category (BIFA) 2024
Above RP 10 Trillion
27 PR Program of The Year 2024, kategori ESG Indonesia PR of The 20 September 2024 Mix Marcomm - SWA
Campaign - Program FIFGROUP Dukung UMKM Year 2024 September 20,
Naik Kelas (JUDGES Review) 2024
PR Program of The Year 2024, ESG Campaign
Category - FIFGROUP Supports MSMEs to Level
Up (JUDGES' Review)
Laporan Tahunan | Annual Report 2024
22
PT Federal International Finance
Page 23
Ikhtisar Kinerja
Performance Highlights
32
31
28 29 30
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
28 PR Program of The Year 2024, kategori Creative Indonesia PR of The 20 September 2024 Mix Marcomm - SWA
Corporate Reputation - Program Wealth Wisdom Year 2024 September 20,
Mengoptimalkan Fasilitas Pembiayaan dengan 2024
Cerdas dan Bijak
PR Program of The Year 2024, Creative
Corporate Reputation Category - Wealth Wisdom
Program Optimizing Financing Facilities Smartly
and Wisely
29 PR Program of The Year 2024, kategori ESG Indonesia PR of The 20 September 2024 Mix Marcomm - SWA
Campaign - Program FIFGROUP Dukung UMKM Year 2024 September 20,
Naik Kelas (Based on Engagement Index) 2024
PR Program of The Year 2024, ESG Campaign
Category - FIFGROUP Supports MSMEs to Level
Up (Based on Engagement Index)
30 Indonesia Best Multifinance 2024 for Optimizing Best Multifinance 27 September 2024 Warta Ekonomi
Financing Service to Support Performance Awards 2024 September 27, 2024
Growth, (Category: Total Assets Above 30
Trillion)
31 Sebagai Perusahaan Kecelakaan Nihil (Zero Zero Accident - 1 Oktober 2024 Pemprov Sumatera Barat
Accident Award) Tahun 2024 Pemprov Sumbar October 1, 2024
Zero Accident Award 2024
32 Rating ESG Nusantara kategori Gold Kalimantan Rating ESG 18 Oktober 2024 The La Tofi School of Social
ESG Nusantara Rating Gold Kalimantan category Nusantara 2024 October 18, 2024 Responsibility
Laporan Tahunan | Annual Report 2024
23
PT Federal International Finance
Page 24
38 39
37
33 34
36
35
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
33 Indonesia Best Financial Award 2024 - Best Indonesia Best 19 Oktober 2024 The Iconomics
Social Contrubution Reputation in Multifinance Financial Award October 19, 2024
>20T Category 2024
34 Best Brand Platinum 2024 Kategori Kredit Indonesia Best 7 November 2024 Majalah SWA dan MARS
Kepemilikan Motor Brand Award (IBBA) November 7, 2024 Digital Indonesia &
Best Brand Platinum 2024 for Motorcycle 2024 Swanetwork
Ownership Credit Category
35 Valentina Chai - Indonesia Most Powerful Herstory - Indonesia 12 November 2024 Herstory - SWA Media
Women 2024 in Managing Loan Facility to Most Powerful November12, 2024
Increase Financing Disbursement Women Awards
2024
36 Valentina Chai sebagai Best CFO Category TOP 20 Financial 22 Oktober 2024 The Finance member of
Multifinance Institution & The October 22, 2024 Infobank Media Group
Valentina Chai as Best CFO in Multifinance Finance Awards
Category 2024
37 PT Federal International Finance sebagai Top 20 TOP 20 Financial 22 Oktober 2024 The Finance member of
Financial Institution 2024 kategori Perusahaan Institution & The October 22, 2024 Infobank Media Group
Pembiayaan Beraset Rp10 Triliun Ke Atas Finance Awards
berpredikat Sangat Bagus 2024
PT Federal International Finance as Top 20
Financial Institution 2024 in Multifinance with
Assets Above Rp10 Trillion, Rated Excellent
38 Peringkat 1 sebagai Most Reputable Companies Indonesia Most 21 November 2024 Majalah SWA dan Business
kategori Multifinance dengan predikat “Very Reputable November 21, 2024 Digest
Good” Companies 2024
Ranked 1 as Most Reputable Company in
Multifinance Category with a “Very Good” Rating
39 Outstanding Senior Leader in Sustainability, Indonesia Corporate 21 November 2024 PT Olahkarsa Inovasi
diraih oleh Direktur FIFGROUP, Esther Sri Harjati Sustainability Award November 21, 2024 Indonesia & Indonesia
Outstanding Senior Leader in Sustainability, 2024 (ICSA 2024) Business Council for
awarded to FIFGROUP Director, Esther Sri Harjati Sustainable Development
(IBCSD)
Laporan Tahunan | Annual Report 2024
24
PT Federal International Finance
Page 25
Ikhtisar Kinerja
Performance Highlights
45
40 41 42 43 44
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
40 Outstanding Leader in Sustainability, diterima Indonesia Corporate 21 November 2024 PT Olahkarsa Inovasi
oleh Environment Health Safety, Social Sustainability Award November 21, 2024 Indonesia & Indonesia
Responsibility and Sustainability Management 2024 (ICSA 2024) Business Council for
(EHSSRSM) Department Head FIFGROUP, Sustainable Development
Charles DW Simaremare (IBCSD)
Outstanding Leader in Sustainability, awarded to
FIFGROUP’s Environment Health Safety, Social
Responsibility, and Sustainability Management
(EHSSRSM) Department Head, Charles DW
Simaremare
41 Best Practice in SME’s Empowerment Indonesia Corporate 21 November 2024 PT Olahkarsa Inovasi
Sustainability Award November 21, 2024 Indonesia & Indonesia
2024 (ICSA 2024) Business Council for
Sustainable Development
(IBCSD)
42 Award Platinum pada core subject Hak Asasi Anugerah Indonesia 28 November 2024 Corporate Forum for CSR
Manusia (HAM) dengan Judul "FIFriendibility: CSR Award (ICA) November 28, 2024 Development (CFCD)
Merangkul Keselarasan” dan Indonesia SDGs
Platinum Award in the Core Subject of Human Award (ISDA) 2024
Rights with the Program “FIFriendibility:
Embracing Harmony”
43 Award Gold pada core subject Ketenagakerjaan Anugerah Indonesia 28 November 2024 Corporate Forum for CSR
dengan Judul "FIFGROUP Aman Berlalu Lintas CSR Award (ICA) November 28, 2024 Development (CFCD)
(FABL)" dan Indonesia SDGs
Gold Award in the Core Subject of Labor Award (ISDA) 2024
Practices with the Program “FIFGROUP Aman
Berlalu Lintas/Safe Traffic (FABL)”
44 Award Silver pada core subject Community Anugerah Indonesia 28 November 2024 Corporate Forum for CSR
Involvement and Development (CID) dengan CSR Award (ICA) November 28, 2024 Development (CFCD)
Judul “Secanting: Sehat Ceria Tanpa Stunting” dan Indonesia SDGs
Silver Award in the Core Subject of Community Award (ISDA) 2024
Involvement and Development with the Program
“Secanting: Sehat Ceria Tanpa Stunting/Healthy
and Happy Without Stunting”
45 Direktur FIFGROUP, Valentina Chai sebagai The Top 100 CEO dan 29 November 2024 Infobank Media Group
200 Future Leaders 2024 The 200 Future November 29, 2024
Director of FIFGROUP, Valentina Chai as The Leaders 2024
200 Future Leaders 2024
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51
48 49 50
47
46
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
46 Direktur FIFGROUP, Daniel Hartono sebagai The Top 100 CEO dan 29 November 2024 Infobank Media Group
200 Future Leaders 2024 The 200 Future November 29, 2024
Director of FIFGROUP, Daniel Hartono as The Leaders 2024
200 Future Leaders 2024
47 FIFGROUP sebagai Top 5 Graduate Employer Best Employer 3 Desember 2024 Telkom University
Award 2024 Award 2024 December 3, 2024
FIFGROUP as a Top 5 Graduate Employer Award
2024 Winner
48 FIFGROUP sebagai Indonesia Customer Indonesia Customer 5 Desember 2024 SWA & Business Digest
Experience Champion 2024 dengan predikat Experience December 5, 2024
Excellent Champion 2024
FIFGROUP as Indonesia Customer Experience
Champion 2024 with an Excellent Rating
49 FIFASTRA sebagai Indonesia Customer Indonesia Customer 5 Desember 2024 SWA & Business Digest
Experience (ICX) Award pada kategori Experience December 5, 2024
Pembiayaan Motor dengan predikat Excellent Champion 2024
FIFASTRA as Indonesia Customer Experience
(ICX) Award Winner in the Motorcycle Financing
Category with an Excellent Rating
50 SPEKTRA sebagai Indonesia Customer Indonesia Customer 5 Desember 2024 SWA & Business Digest
Experience (ICX) Award untuk kategori Experience December 5, 2024
Pembiayaan Elektronik dan Rumah Tangga Champion 2024
dengan predikat Very Good
SPEKTRA as Indonesia Customer Experience
(ICX) Award Winner in the Electronics and
Household Financing Category with a Very Good
Rating
51 Juara Pertama nominasi Maju Berkat Asosiasi Perusahaan 5 Desember 2024 APPI
Pembiayaan 2024 Pembiayaan December 5, 2024
First Winner in the Progress Through Financing Indonesia (APPI)
2024 Nomination
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Ikhtisar Kinerja
Performance Highlights
56
Warta Ekonomi proudly honors:
SISWADI
From
PT Federal International Finance (FIF Group)
as
Indonesia CEO Excellence 2024 for Empowering
Synergy with Business Excellence through
Portfolio Credibility
Category
Multifinance
Thursday, December 19 2024th
The Sultan Hotel & Residence, Jakarta
Muhamad Ihsan
CEO & Chief Editor
54 55
53
52
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
52 Beasiswa Prestasi APPI 2024 salah satu anak Asosiasi Perusahaan 5 Desember 2024 APPI
karyawan FIFGROUP Pembiayaan December 5, 2024
APPI 2024 Achievement Scholarship for a Indonesia (APPI)
FIFGROUP Employee’s Child
53 FIFGROUP sebagai Top 100 Corporate Pro Co- 100 Corporate Pro 12 Desember 2024 Media Peluang
Operative kategori Financing Partner Cooperatives Award December 12, 2024
FIFGROUP as a Top 100 Corporate Pro Co- 2024
Operative in the Financing Partner Category
54 FIFGROUP sebagai Indonesia Corporate Indonesia Corporate 18 Desember 2024 Majalah MIX Marcomm (SWA
Sustainability Initiatives 2024 : Predikat Very Sustainability December 18, 2024 Media Group)
Good pada Kategori Social Marketing, dengan Initiatives (CSI) 2024
Program MENYALA "Menyuarakan Literasi
melalui Aksi"
FIFGROUP as Indonesia Corporate Sustainability
Initiatives 2024: Very Good Rating in Social
Marketing Category, with the Program MENYALA
“Menyuarakan Literasi melalui Aksi/Promoting
Literacy Through Action”
55 FIFGROUP sebagai Indonesia Corporate Indonesia Corporate 18 Desember 2024 Majalah MIX Marcomm (SWA
Sustainability Initiatives 2024 : Predikat Good Sustainability December 18, 2024 Media Group)
pada Kategori Cause Promotion, dengan Initiatives (CSI) 2024
Program FIFGROUP Aman Berlalu Lintas (FABL)
FIFGROUP as Indonesia Corporate Sustainability
Initiatives 2024: Good Rating in Cause
Promotion Category, with the FIFGROUP Aman
Berlalu Lintas/Safe Traffic (FABL) Program
56 Pak Siswadi sebagai Indonesia CEO Excellence CEO Excellence 19 Desember 2024 Warta Ekonomi
Awards 2024 Awards 2024 December 19, 2024
Mr. Siswadi as Indonesia CEO Excellence
Awards 2024 Winner
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Sertifikasi | Certifications
Nama Sertifikat Jenis Sertifikasi
No.
Name of Certificate Type of Certificate
1 ISO 27001:2013 Sistem Manajemen Keamanan Informasi (SMKI)
Information Security Management System (ISMS)
2 ISO 37001:2016 Sistem Manajemen Anti Penyuapan (SMAP)
Anti-Bribery Management System (AMS)
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Ikhtisar Kinerja
Performance Highlights
Peristiwa Penting Tahun 2024
Important Events in 2024
16 Februari 2024
February 2024
FIFGROUP Raih Juara Umum Corporate Affairs Awards 2023
FIFGROUP Wins Overall Champion at Corporate Affairs Awards 2023
Pada ajang Astra Corporate Affairs Awards 2023, FIFGROUP At the Astra Corporate Affairs Awards 2023, FIFGROUP won
meraih juara umum Astra Communication Management System the overall champion in the Astra Communication Management
(ACMS) serta juga mendapatkan sejumlah penghargaan System (ACMS) category and also received several other awards,
lainnya, seperti Juara 1 ACMS kategori Perusahaan Non Tbk; including 1st place in the ACMS category for Non-Publicly Listed
Juara 2 kategori Communication Initiatives sub-kategori Companies, 2nd place in the Communication Initiatives category
Digital Public Engagement Initiatives; dan Juara 3 kategori under the sub-category of Digital Public Engagement Initiatives,
Astra Friendly Company sub-kategori Community Health and and 3rd place in the Astra Friendly Company category under the
Well Being. sub-category of Community Health and Well-Being.
07 Maret 2024
March 2024
FIFGROUP Borong Tujuh Kategori pada PR INDONESIA Awards 2024
FIFGROUP Wins Seven Categories at PR INDONESIA Awards 2024
FIFGROUP memenangkan tujuh penghargaan sekaligus FIFGROUP won seven awards at The 9th PR INDONESIA Awards,
di ajang The 9th PR INDONESIA Awards, antara lain Silver including Silver Winner for the Digital PR Program – FIFGROUP-
Winner atas Program Digital PR - Cerita UMKM Binaan Assisted MSMEs Stories, Silver Winner for the Corporate PR
FIFGROUP, Silver Winner atas Program Corporate PR - Smart Program - Smart (Silaturahim Dengan Media Akrab Dan Ramah
(Silaturahim Dengan Media Akrab Dan Ramah Tanpa Batas), Tanpa Batas/Building Friendly and Boundless Connections with
Program Komunikasi CSR - Sustainable Business Practice - Media), CSR Communication Program - Sustainable Business
FIFGROUP #CareForGreenLiving, Program Komunikasi CSR Practice - FIFGROUP #CareForGreenLiving, CSR Communication
- Community Development - FIFGROUP Doping (Dorong Program - Community Development - FIFGROUP Doping (Dorong
Pengetahuan Literasi Keuangan), Program Komunikasi CSR - Pengetahuan Literasi Keuangan/Encouraging Financial Literacy),
Community Development - FIFGROUP Hijau (Hutan Inspiratif CSR Communication Program - Community Development -
Jaga Alam Utuh), Bronze Winner atas Program Corporate FIFGROUP Hijau (Hutan Inspiratif Jaga Alam Utuh/Inspirational
PR - Wealth Wisdom: Mengoptimalkan Fasilitas Pembiayaan Forests Preserve Nature’s Integrity), Bronze Winner for the
Dengan Cerdas dan Bijak dan Bronze Winner atas Laporan Corporate PR Program - Wealth Wisdom: Optimizing Financing
Tahunan - Sustainability Report. Facilities Smartly and Wisely, and Bronze Winner for the Annual
Report - Sustainability Report.
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19 April 2024
April 2024
Hasil RUPS Tahunan Tahun Buku 2023 PT Federal International Finance
Results of the AGMS for the 2023 Fiscal Year of PT Federal International Finance
PT Federal International Finance menyelenggarakan Rapat PT Federal International Finance held an Annual General
Umum Pemegang Saham Tahunan (RUPST) Tahun Buku 2023 Meeting of Shareholders (AGMS) for the 2023 Fiscal Year
pada Jumat, 19 April 2024 yang dihadiri oleh para pemegang on Friday, April 19, 2024, attended by shareholders. The
saham. Pelaksanaan RUPST tersebut membuahkan hasil AGMS resulted in the approval of the Annual Report for the
berupa Persetujuan Laporan Tahunan untuk Tahun Buku 2023, 2023 fiscal year, Ratification of the Board of Commissioners’
Pengesahan Laporan Tugas Pengawasan Dewan Komisaris, Supervisory Report, Approval of the Company’s Financial
Pengesahan Laporan Keuangan Perseroan untuk Tahun Statements for the 2023 fiscal year, and the Appointment
Buku 2023 dan Pengangkatan Direksi, Dewan Komisaris dan of the Board of Directors, Board of Commissioners, and
Dewan Pengawas Syariah Perseroan. Pada RUPST 2024, Sharia Supervisory Board. During the 2024 AGMS, the Board
Direksi Perseroan memaparkan pelaksanaan tanggung jawab of Directors presented the implementation of social and
sosial dan lingkungan serta kinerja Perseroan yang sangat environmental responsibility and the Company’s excellent
baik. Hal ini sejalan dengan yang telah diungkapkan dalam performance. This is in line with what has been disclosed
Laporan Keuangan Perseroan untuk tahun buku 2023 yang in the Company’s Financial Statements for the financial
telah diaudit oleh akuntan publik Tanudiredja, Wibisana, Rintis year 2023 which have been audited by public accountants
& Rekan (anggota jaringan PricewaterhouseCoopers). Sesuai Tanudiredja, Wibisana, Rintis & Rekan (a member of the
hasil keputusan RUPST 2024, Pemegang Saham mengangkat PricewaterhouseCoopers network). According to the AGMS’
Thomas Junaidi Alim Wijaya menjadi Komisaris menggantikan resolutions, the Shareholders appointed Thomas Junaidi Alim
Johannes Loman, serta Siswadi diangkat menjadi Presiden Wijaya as Commissioner, replacing Johannes Loman, and
Direktur menggantikan Margono Tanuwijaya, yang telah Siswadi as President Director, replacing Margono Tanuwijaya,
berakhir masa jabatannya dan memasuki masa purna bakti. whose term of office ended and entered retirement. Siswadi
Siswadi sebelumnya menjabat sebagai Presiden Direktur previously served as President Director of PT Astra Sedaya
PT Astra Sedaya Finance sekaligus Chief Executive Officer Finance and CEO of Astra Credit Companies. On the same
Astra Credit Companies. Pada kesempatan yang sama, occasion, the Company also reaffirmed its commitment to
Perseroan sekaligus menegaskan komitmennya untuk terus continue realizing its noble mission: “Bringing a Better Life
mewujudkan misi mulia: “Membawa Kehidupan yang Lebih to Communities.” This commitment is demonstrated through
Baik untuk Masyarakat”. Komitmen ini diwujudnyatakan various sustainability programs focused on the implementation
melalui berbagai program keberlanjutan yang berfokus pada of Environment, Social, and Governance (ESG) principles as
penerapan Environment, Social and Governance (ESG) yang outlined in FIFGROUP’s 2030 Sustainability Aspirations.
tertuang di dalam FIFGROUP 2030 Sustainability Aspirations.
Mei 2024
3 May 2024
FIFGROUP Resmikan Kampung Berseri Astra (KBA) Binaan Pertama di Kota Depok
FIFGROUP Inaugurates the First Fostered Kampung Berseri Astra (KBA) in Depok City
PT Federal International Finance (FIFGROUP) meresmikan PT Federal International Finance (FIFGROUP) inaugurated
Kampung Berseri Astra (KBA) Binaan FIFGROUP di Kelurahan FIFGROUP's Kampung Berseri Astra (KBA) in Duren
Duren Seribu, Kecamatan Bojongsari, Kota Depok yang dihadiri Seribu Subdistrict, Bojongsari District, Depok City which
oleh Director in Charge (DIC) Corporate Communication, was attended by Director in Charge (DIC) Corporate
Enviroment Health Safety & Social Responsibility (EHSSR) Communication, Enviroment Health Safety & Social
& Sustainability FIFGROUP, Sri Harjati dan Wali Kota Depok, Responsibility (EHSSR) & Sustainability FIFGROUP, Sri Harjati
Mohammad Idris. Sebagai bagian tak terpisahkan dari and Depok Mayor, Mohammad Idris. As an integral part of
komitmen Grup Astra terhadap pembangunan komunitas, the Astra Group's commitment to community development,
Kelurahan Duren Seribu menjadi KBA pertama yang dibina Duren Seribu Subdistrict became the first KBA to be directly
secara langsung oleh FIFGROUP. KBA Binaan FIFGROUP fostered by FIFGROUP. FIFGROUP's KBA seeks to develop
berupaya mengembangkan potensi keberlanjutan dari the sustainability potential of the quality of life of the residents
kualitas hidup warga Kelurahan Duren Seribu sekaligus of Duren Seribu Subdistrict while addressing social and
mengatasi isu sosial dan lingkungan melalui inisiatif 4 (empat) environmental issues through the 4 (four) FIFGROUP Pillars
Pilar FIFGROUP. initiative.
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Ikhtisar Kinerja
Performance Highlights
FIFGROUP 35th LOCALICIOUS Dibuka, Warga Jakarta Bisa Kulineran,
Mei 2024
23 May 2024
Nonton Konser, Hingga Cari Kerja
Now Open: FIFGROUP 35th LOCALICIOUS, Jakarta Residents to Enjoy Flavorful Culinary,
Watch Concerts, and Find Jobs
Gelaran FIFGROUP 35th LOCALICIOUS merupakan puncak FIFGROUP 35th LOCALICIOUS event is the highlight of
perayaan HUT ke-35 FIFGROUP. Pada tahun 2024 ini, FIFGROUP's 35th anniversary celebration. In 2024, the
perseroan memilih tema besar perayaan HUT “Bersama Company chose the big theme of the anniversary celebration
Meraih Masa Depan Gemilang”. Kegiatan yang dipusatkan di "Together Achieving a Glorious Future". The activity located
Plaza Parkir Timur Senayan, Gelora Bung Karno, itu terbuka at Senayan East Parking Plaza, Gelora Bung Karno. Open
untuk umum secara gratis pada 23-26 Mei 2024. Tidak to the public for free on May 23-26, 2024. Not only serving
hanya menyajikan jajanan kuliner Nusantara, FIFGROUP 35th Nusantara culinary snacks, FIFGROUP 35th LOCALICIOUS
LOCALICIOUS juga menghadirkan sejumlah aktivitas menarik, also presented many interesting activities, promos,
promo, workshop edukatif, hingga lowongan pekerjaan. educational workshops, and job vacancies.
24 Juli 2024
July 2024
FIFGROUP Jelajah Kota 2024, Kembangkan Layar di Pantai Losari
FIFGROUP City Exploration 2024, Unfurling Sails at Losari Beach
Untuk kedua kalinya, FIFGROUP hadir di event F8 Makassar For the second time, FIFGROUP participated in the F8
yang digelar pada 24-28 Juli 2024, bertempat di anjungan Makassar event held on July 24-28, 2024, at the Losari Beach
Pantai Losari. Dengan membawa program FIFGROUP Jelajah pavilion. Carrying the FIFGROUP City Exploration 2024
Kota 2024, Makassar menjadi kota tujuan pertama yang program, Makassar became the first city explored. Through
dijelajahi. Melalui tagline “FIFGROUP Satu Solusi untuk the tagline “FIFGROUP: One Solution for All Financing
Semua Kebutuhan Pembiayaan”, FIFGROUP berkomitmen Needs,” FIFGROUP is committed to bringing a better life for
untuk membawa kehidupan yang lebih baik bagi masyarakat the community in line with the Company’s mission.
sesuai misi Perseroan.
24 Juli 2024
July 2024
FIFGROUP Kembali Raih Penghargaan di HR Excellence 2024
FIFGROUP Wins Another HR Excellence Award in 2024
Berkat penerapan manajemen Sumber Daya Manusia (SDM) As a result of the implementation of excellent Human Capital
yang excellent sebagai bagian dari tata kelola perusahaan, (HC) management practices as part of corporate governance,
FIFGROUP dinobatkan sebagai pemenang Learning & FIFGROUP was named the winner in the categories of
Development (L&D) and Knowledge Management, Reward Learning & Development (L&D) and Knowledge Management,
Management & Talent Retention Strategy, serta Employer Reward Management & Talent Retention Strategy, as well as
Branding and Talent Acquisition yang masing-masing Employer Branding and Talent Acquisition, each awarded the
mendapatkan Predikat “Very Good”. “Very Good” rating.
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13 Agustus 2024
August 2024
Bali, Kota ke-2 Tujuan FIFGROUP Jelajah Kota 2024
Bali, the 2nd Stop of FIFGroup City Exploration 2024
Melanjutkan rangkaian program FIFGROUP Jelajah Kota (FJK) Continuing the series of FIFGROUP City Exploration (FJK)
2024 yang sebelumnya sudah terselenggara di Makassar 2024 program, which was previously held in Makassar during
pada event F8 Makassar (24 - 28 Juli 2024), kali ini acara the F8 Makassar event (July 24-28, 2024), the program was
tersebut kembali digelar di kota tujuan kedua melalui event held again in its second destination at the Merdeka Fest 2024
Merdeka Fest 2024 selama 13 – 17 Agustus 2024, yang event from August 13-17, 2024, at Garuda Wisnu Kencana
berlokasi di Garuda Wisnu Kencana (GWK), Bali. (GWK), Bali.
20 Agustus 2024
August 2024
Optimalkan Layanan Pembiayaan, FIFGROUP Resmikan Kantor Cabang Kabupaten Bogor
Optimizing Financing Services, FIFGROUP Inaugurates New Branch Office in Bogor Regency
Pembukaan Kantor FIFGROUP Cabang Kabupaten Bogor FIFGROUP officially opened its Bogor Regency Branch
yang berlokasi di Jalan Raya Kapten Soemantri, RT.02/ Office, located at Jalan Raya Kapten Soemantri, RT.02/RW.08,
RW.08, Kampung Pojok Salak, Jonggol, Kabupaten Bogor, Kampung Pojok Salak, Jonggol, Bogor Regency, West Java.
Jawa Barat. Pada acara seremoni tersebut, FIFGROUP turut During the ceremony, FIFGROUP also held a CSR program
menyelenggarakan program CSR bagi warga sekitar berupa for the local community by distributing social assistance in the
penyaluran bantuan sosial dalam bentuk sembako senilai form of basic food packages worth more than Rp9 million.
lebih dari Rp9 juta.
18 September 2024
September 2024
FIFGROUP Ditetapkan Sebagai The Best Performance Multifinance 2024
FIFGROUP Recognized as The Best Performance Multifinance 2024
FIFGROUP kembali menerima penghargaan “Best FIFGROUP once again received the “Best Performance
Performance Multifinance Kategori Aset di Atas Rp10 Triliun Multifinance in the Asset Above Rp10 Trillion Category”
oleh Bisnis Indonesia”. Gelaran ini menjadi ajang apresiasi award from Bisnis Indonesia. This event serves as a platform
dan penganugerahan kepada para pelaku industri di sektor to appreciate and reward industry players in the financial
finansial yang telah mencatatkan kinerja unggul, serta sector who have demonstrated outstanding performance,
menunjukkan inovasi dan kontribusi signifikan terhadap innovation, and significant contributions to the national
perekonomian nasional. economy.
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Ikhtisar Kinerja
Performance Highlights
26 September 2024
September 2024
Apresiasi The Best Multifinance 2024 bagi FIFGROUP
The Best Multifinance 2024 Appreciation for FIFGROUP
Menutup akhir bulan September 2024, FIFGROUP At the end of September 2024, FIFGROUP received the
mendapatkan penghargaan “Indonesia Best Multifinance “Indonesia Best Multifinance 2024 for Optimizing Financing
2024 for Optimizing Financing Service to Support Service to Support Performance Growth Category: Total
Performance Growth Category: Total Assets Above 30 Trillion Assets Above 30 Trillion” award from Warta Ekonomi.
yang diberikan oleh Warta Ekonomi”.
16 Oktober 2024
October 2024
FIFGROUP Berhasil Raih 4 Kategori Penghargaan dalam Indonesia PR of The Year 2024
FIFGROUP Wins 4 Award Categories at Indonesia PR of The Year 2024
FIFGROUP meraih 4 (empat) kategori penghargaan dalam FIFGROUP won 4 (four) categories at the Indonesia “PR of
ajang Indonesia “PR of The Year 2024” yang digelar oleh The Year 2024” awards organized by Mix Marcomm (part of
Mix Marcomm (bagian dari SWA Media Group), antara lain SWA Media Group), including PR Program of The Year 2024
PR Program of The Year 2024, kategori ESG Campaign - in the ESG Campaign category for the FIFGROUP Supports
Program FIFGROUP Dukung UMKM Naik Kelas, PR Program MSMEs to Level Up program, PR Program of The Year 2024
of The Year 2024, kategori Creative Corporate Reputation in the Creative Corporate Reputation category for the Wealth
- Program Wealth Wisdom Mengoptimalkan Fasilitas Wisdom: Optimizing Loan Facilities Smartly and Wisely
Pembiayaan dengan Cerdas dan Bijak, PR Program of The program, PR Program of The Year 2024 in the ESG Campaign
Year 2024, kategori ESG Campaign - Program FIFGROUP category for the FIFGROUP Supports MSMEs to Level Up
Dukung UMKM Naik Kelas, serta Corporate Communications program, and Corporate Communications Officer, Rembianov,
Officer, Rembianov sebagai PR Practicioners of The Year who was recognized as PR Practitioner of The Year 2024
2024, kategori Junior PR Practitioners in Communication in the Junior PR Practitioners category for Communication
Management Officer FIFGROUP. Management Officer at FIFGROUP.
22 Oktober 2024
October 2024
Direktur Keuangan FIFGROUP Raih Gelar Best CFO 202
FIFGROUP’s Finance Director Wins Best CFO 2024 Award
FIFGROUP menerima penghargaan “Top 20 Financial FIFGROUP received the “Top 20 Financial Institution 2024
Institution 2024 kategori Perusahaan Pembiayaan Beraset in the Category of Financing Companies with Assets Above
Rp10 Triliun Ke Atas berpredikat Sangat Bagus” dari The Rp10 Trillion with Excellent Rating” award from The Finance,
Finance member of Infobank Media Group yang merupakan a member of Infobank Media Group. This recognition was
bagian dari rangkaian acara The Finance Executive Forum part of the series of events at The Finance Executive Forum
2024, serta penganugerahan “TOP 20 Financial Institution 2024 and the awarding of “TOP 20 Financial Institution &
& The Finance Awards 2024”. Di ajang yang sama, Direktur The Finance Awards 2024.” At the same event, Director of
FIFGROUP juga menerima penghargaan sebagai The Best FIFGROUP also received an award as The Best CFO 2024 in
CFO 2024 kategori Multifinance. the Multifinance category.
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25 Oktober 2024
October 2024
Kembali Menjadi Platinum Sponsor di IMOS 2024, FIFGROUP Tawarkan Potongan
Tenor dan Promo Spesial Lainnya
Back as Platinum Sponsor at IMOS 2024, FIFGROUP Offers Reduced Tenure and Other
Special Promos
FIFGROUP kembali mendukung industri otomotif roda dua FIFGROUP once again supported the two-wheeled automotive
dengan menjadi sponsor Platinum untuk keempat kalinya di industry by becoming the Platinum Sponsor for the fourth time
acara Indonesia Motorcycle Show (IMOS) 2024. Pada ajang at the Indonesia Motorcycle Show (IMOS) 2024. At this event,
ini, FIFGROUP menawarkan berbagai promo dan program FIFGROUP offered various attractive promotions and special
spesial menarik melalui 5 (lima) portofolio, yaitu FIFASTRA, programs through its 5 (five) portfolios, namely FIFASTRA,
SPEKTRA, DANASTRA, FINATRA, dan AMITRA. SPEKTRA, DANASTRA, FINATRA, and AMITRA.
01 November 2024
November 2024
FIFGROUP Gelar Talk Show Pembiayaan Bijak di Pameran IMOS 2024
FIFGROUP Hosts a Smart Financing Talk Show at IMOS 2024 Exhibition
FIFGROUP terus berupaya meningkatkan pemahaman FIFGROUP continued its efforts to improve public
masyarakat terkait pembiayaan yang bijak melalui talkshow understanding of wise financing through a talk show titled
bertajuk “Optimalisasi Pembiayaan yang Bijak untuk “Optimizing Wise Financing to Meet Your Needs” This event
Penuhi Kebutuhan”. Acara ini bertujuan untuk memberikan aimed to provide consumers with knowledge about optimizing
pengetahuan kepada konsumen terkait optimalisasi financing tailored to their specific needs.
pembiayaan yang sesuai dengan kebutuhan konsumen.
08 November 2024
November 2024
FIFGROUP Grebeg Samarinda: Hadirkan Solusi Pembiayaan Praktis untuk Semua Kebutuhan
FIFGROUP Grebeg Samarinda: Providing Practical Financing Solutions for All Needs
Sebagai perusahaan yang berfokus pada penyediaan As a company which focused on providing financing solutions
solusi pembiayaan untuk berbagai kebutuhan, FIFGROUP for various needs, FIFGROUP remains committed to bringing
berkomitmen untuk terus mendekatkan layanan keuangannya its financial services closer to the community by hosting the
kepada masyarakat dengan menggelar acara FIFGROUP FIFGROUP Grebeg Cabang event in Tepian City, Samarinda.
Grebeg Cabang di Kota Tepian, Samarinda.
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Ikhtisar Kinerja
Performance Highlights
29 November 2024
November 2024
FIFGROUP Torehkan Prestasi di Ajang Top 100 CEO dan The 200 Future Leaders 2024
FIFGROUP Achieves Recognition at the Top 100 CEOs and the 200 Future Leaders 2024
FIFGROUP kembali mencetak prestasi gemilang di ajang The FIFGROUP achieved another remarkable milestone at The
200 Future Leaders 2024 yang diselenggarakan oleh Infobank 200 Future Leaders 2024 event organized by Infobank Media
Media Group. Pada acara tersebut, Direktur FIFGROUP, yakni Group. At this event, Directors of FIFGROUP, namely Daniel
Daniel Hartono dan Valentina Chai, juga meraih penghargaan Hartono and Valentina Chai, also recognized as part of The
sebagai bagian dari The 200 Future Leaders 2024. 200 Future Leaders 2024.
03 Desember 2024
December 2024
Perluas Jaringan Layanan Pembiayaan, FIFGROUP Resmikan Kantor Cabang
Kabupaten Berau
Expanding Financing Service Network, FIFGROUP Inaugurates a Branch Office in
Berau Regency
Peresmian Kantor FIFGROUP Cabang Kabupaten Berau yang The Inauguration of FIFGROUP’s Berau Branch Office,
berlokasi di Jl. Pemuda RT 009 Kelurahan Tanjung Redeb, located at Jl. Pemuda RT 009, Tanjung Redeb Sub-district,
Kecamatan Tanjung Redeb, Kabupaten Berau, Kalimantan Tanjung Redeb District, Berau Regency, East Kalimantan, was
Timur. Bersamaan dengan seremoni tersebut, FIFGROUP accompanied by a CSR program involving the distribution
turut menjalankan program CSR berupa penyaluran bantuan of social assistance in the form of basic food packages for
sosial dalam bentuk sembako bagi masyarakat yang tinggal local residents in RT 009, Tanjung Redeb Sub-district, Tanjung
di wilayah RT 009 Kelurahan Tanjung Redeb, Kecamatan Redeb District, Berau Regency.
Tanjung Redeb, Kabupaten Berau sosial.
05 Desember 2024
December 2024
FIFGROUP Sabet 4 Penghargaan dari Asosiasi Perusahaan Pembiayaan Indonesia (APPI)
FIFGROUP Secures Four Awards from the Indonesian Financial Services Association (APPI
Atas kontribusi FIFGROUP bagi industri pembiayaan, APPI For FIFGROUP’s contribution to the financing industry, APPI
menganugerahkan 4 (empat) penghargaan sekaligus kepada awarded 4 (four) awards to FIFGROUP at the 2024 APPI
FIFGROUP di ajang Pertemuan Anggota dan Apresiasi APPI Member Meeting and Appreciation event, including 2nd
2024, antara lain Juara ke-2 Perusahaan Pembiayaan Terbaik place for APPI Best Financing Company in 2024 for the asset
APPI Tahun 2024 untuk kategori aset di atas Rp5 triliun. category above Rp5 trillion. Furthermore, Aditya Warnik,
Selain itu, Aditya Warnik, konsumen setia FIFGROUP dan a loyal FIFGROUP consumer and owner of Bakso Berkah
pemilik usaha Bakso Berkah & Mie Ayam Sak Wajan, berhasil & Mie Ayam Sak Wajan, won the Pelanggan Maju Berkat
meraih penghargaan Pelanggan Maju Berkat Pembiayaan Pembiayaan (Customers’ Progress Through Financing) 2024
2024 berkat kisah inspiratifnya dalam memanfaatkan fasilitas award for his inspiring story of utilizing FIFGROUP’s financing
pembiayaan dari FIFGROUP. Selain itu, Dewangga Amarta facilities. Additionally, Dewangga Amarta Agung, the son of
Agung, putra dari Human Capital (HC) Operation and Services Mira Kusumadewi, FIFGROUP’s Human Capital (HC) Operation
Officer FIFGROUP, Mira Kusumadewi berhasil meraih and Services Officer, won the Beasiswa Prestasi APPI 2024
Beasiswa Prestasi APPI 2024 setelah mengalahkan lebih dari (APPI Achievement Scholarship 2024) after competing with
200 pendaftar. over 200 applicants.
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Ikhtisar Kinerja
Performance Highlights
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Suparno
Djasmin
Presiden Komisaris
President Commissioner
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Laporan Dewan
Komisaris
Board of Commissioners’ Report
Dewan Komisaris menyambut baik
kepemimpinan Direksi yang berhasil dalam
mengelola FIFGROUP sehingga mencapai
kinerja top line dan bottom line yang solid
selama 2024 dengan mempertahankan
rasio-rasio keuangan yang optimal. Hal ini
tercermin dari realisasi laba bersih yang
tumbuh 7,5% dibanding tahun 2023.
The Board of Commissioners fully supports the Board of Directors'
leadership in successfully managed FIFGROUP to achieve solid top-line
and bottom-line performance during 2024 while maintaining optimal
financial ratios. This is reflected in the realization of net profit growth of
7.5 compared to 2023.
Pemegang saham yang kami hormati,
Dear esteemed shareholders,
Puji syukur kami panjatkan ke hadirat Tuhan Yang Maha Esa atas limpahan rahmat dan
karunia-Nya sehingga PT Federal International Finance (“FIFGROUP” atau “Perseroan”)
dapat menutup tahun 2024 dengan fondasi kinerja yang tetap tumbuh secara sehat, kuat,
dan berkelanjutan. Bersama dengan ini, izinkan saya mewakili Dewan Komisaris FIFGROUP
dalam menyampaikan ringkasan Laporan Tugas Pengawasan Dewan Komisaris untuk tahun
buku yang berakhir pada 31 Desember 2024.
Praise and gratitude to God Almighty for His abundant grace and blessings allowing PT Federal
International Finance (“FIFGROUP” or the “Company”) to end 2024 with a solid foundation for
continued healthy, strong, and sustainable growth. On behalf of the Board of Commissioners
of FIFGROUP, allow me to present a summary of the Supervisory Duties Report of the Board
of Commissioners for the fiscal year ending December 31, 2024.
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EKONOMI NASIONAL TETAP TUMBUH SOLID DI NATIONAL ECONOMY REMAINS SOLID AMID
TENGAH DINAMIKA MAKROEKONOMI GLOBAL GLOBAL MACROECONOMIC DYNAMICS IN 2024
TAHUN 2024
Perekonomian global pada 2024 tetap dalam posisi rentan The global economy in 2024 remained vulnerable with
dengan peningkatan sejumlah risiko utama, seperti suku an increase in several key risks, such as persistently high
bunga global yang tetap tinggi, peningkatan fragmentasi global interest rates, growing global fragmentation as a
global yang merupakan rambatan dari tensi geopolitik, spillover from geopolitical tensions, and ongoing geopolitical
dan berlanjutnya konflik geopolitik yang berlanjut. Namun, conflicts. However, the US economy was growing strongly
ekonomi Amerika Serikat tumbuh kuat dengan inflasi yang with improving inflation conditions, prompting the US Fed
membaik, mendorong The Fed AS memangkas suku bunga to cut the Federal Funds Rate (FFR) to 4.50% in December
Federal Funds Rate (FFR) menjadi 4,50% pada Desember 2024, a decrease from 5.5% in August 2024. This interest
2024, setelah sebelumnya berada di level 5,5% pada rate cut was followed by Bank Indonesia, which lowered the
Agustus 2024. Penurunan suku bunga ini diikuti oleh BI rate to 6% in September 2024, and maintained it until the
Bank Indonesia yang menurunkan BI rate ke level 6% pada end of the year, with the aim of reducing the cost of funds
September 2024, dan mempertahankannya hingga akhir in the banking and financing sectors.
tahun, dengan harapan dapat mengurangi biaya dana (cost
of fund) di sektor perbankan dan pembiayaan.
Permintaan pasar terhadap kendaraan roda dua nasional Market demand for two-wheeled vehicles in Indonesia
perlahan meningkat pada paruh kedua 2024, setelah sempat gradually rebounded in the second half of 2024 after a
tertekan di awal tahun. Data Asosiasi Industri Sepeda Motor slow start earlier in the year. Data from the Indonesian
Indonesia (AISI) menunjukkan penjualan sepeda motor Motorcycle Industry Association (AISI) indicates that
mencapai 6,33 juta unit, naik 1,54% (yoy) dibandingkan motorcycle sales reached 6.33 million units, an increase
2023 yang tercatat 6,23 juta unit. Peningkatan daya beli of 1.54% (yoy) compared to 2023, which recorded 6.23
masyarakat terhadap sepeda motor baru ini membawa million units. This increase in people's purchasing power
dampak positif bagi perusahaan pembiayaan, terutama for new motorbikes has had a positive impact on finance
dalam membukukan kenaikan penyaluran pembiayaan companies. It has led to an increase in financing for the
untuk segmen roda dua. two-wheeled vehicle segment.
Seiring dengan tren positif ini, Dewan Komisaris menilai In line with this positive trend, the Board of Commissioners
bahwa FIFGROUP mampu mengoptimalkan peluang assessed that FIFGROUP is able to optimize growth
pertumbuhan pembiayaan roda dua, meskipun menghadapi opportunities in two-wheeler financing, despite facing
kompetisi yang semakin ketat. Hal ini terbukti dengan increasingly intense competition. This is evident from the
keberhasilan Perseroan dalam mempertahankan posisi Company's success in maintaining its position as the market
sebagai market leader di segmen pembiayaan roda dua leader in the two-wheeler financing segment in Indonesia.
di Indonesia.
PENGAWASAN ATAS PERUMUSAN, PENERAPAN SUPERVISION OF THE FORMULATION AND
STRATEGI, DAN KEBIJAKAN PERSEROAN IMPLEMENTATION OF THE COMPANY’S
STRATEGIES AND POLICIES
Dewan Komisaris senantiasa melakukan pengawasan secara The Board of Commissioners continues to actively supervise
aktif dalam perumusan strategi dan kebijakan Perseroan, the formulation of the Company's strategies and policies. It
termasuk menelaah dan memberikan persetujuan atas includes reviewing and approving the 2024 Annual Business
Rencana Bisnis Tahunan (RBT) 2024 yang disusun oleh Plan (RBT) prepared by the Board of Directors. The Board of
Direksi. Dewan Komisaris juga mengawasi pengelolaan Commissioners also monitors the Company’s management
Perseroan bersama komite-komite pendukung di bawah in collaboration with supporting committees under the
kepemimpinan Direksi. leadership of the Board of Directors.
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Untuk memastikan eksekusi strategi berjalan dengan baik, To ensure the effective execution of strategies, the Board
Dewan Komisaris melakukan monitoring intensif melalui of Commissioners conducted intensive monitoring through
rapat gabungan dengan Direksi sebanyak 6 (enam) six (6) joint meetings with the Board of Directors throughout
kali sepanjang 2024. Dalam rapat ini, Dewan Komisaris 2024. During these meetings, the Board of Commissioners
mengevaluasi kinerja Perseroan dan mendiskusikan langkah evaluated the Company's performance and discussed
strategis untuk menghadapi tantangan bisnis. strategic measures to address business challenges.
Sepanjang 2024, Dewan Komisaris memberikan nasihat Throughout 2024, the Board of Commissioners provided
dan pengawasan dalam terkait ekspansi pasar Perseroan, advice and supervision regarding the Company's market
yang mengarah pada penambahan jumlah cabang dan pos expansion, which led to an increase in the number of
menjadi 253 di seluruh Indonesia. Dewan Komisaris menilai branches and outlets to 253 across Indonesia. The Board
bahwa strategi bisnis Direksi sudah mempertimbangkan of Commissioners recognizes that the Board of Directors’
berbagai faktor eksternal dan internal. Dewan Komisaris business strategies have been carefully formulated, taking
berkomitmen untuk terus mendukung pengawasan dan into account both external and internal factors. Committed
memberikan nasihat agar kinerja Perseroan tetap tumbuh to ongoing support and supervision, we continue to offer
sehat dan berkelanjutan. strategic advice to ensure the Company maintains healthy
and sustainable growth.
PENILAIAN TERHADAP KINERJA DIREKSI TAHUN ASSESSMENT OF THE BOARD OF DIRECTORS’
2024 PERFORMANCE IN 2024
Dewan Komisaris menyambut baik kepemimpinan Direksi The Board of Commissioners fully supports the Board of
yang berhasil dalam mengelola FIFGROUP sehingga Directors' leadership in successfully managed FIFGROUP
mencapai kinerja top line dan bottom line yang solid selama to achieve solid top-line and bottom-line performance
2024 dengan mempertahankan rasio-rasio keuangan yang during 2024 while maintaining optimal financial ratios. This
optimal. Hal ini tercermin dari realisasi laba bersih yang is reflected in the realization of net profit growth of 7.5%
tumbuh 7,5% dibanding tahun 2023. compared to 2023.
Sejalan dengan peningkatan profitabilitas, total pembiayaan Consistent with the increased profitability, the total financing
yang disalurkan Perseroan selama 2024 juga mengalami disbursed by the Company during 2024 also increased by
kenaikan 8,5% (yoy) menjadi Rp45,9 triliun pada posisi akhir 8.5% (yoy) to Rp45.9 trillion as of the end of December 2024.
Desember 2024. Pencapaian tersebut diikuti dengan kualitas This achievement was followed by the quality of the Non-
rasio Non-Performing Finance (NPF) yang terkendali di level Performing Finance (NPF) ratio which was controlled at 1.2%,
1,2%, jauh lebih baik dari rata-rata industry perusahaan significantly better than the industry average for financing
pembiayaan. Kami meyakini pencapaian kinerja yang companies. We believe that this strong performance will
positif ini mampu menciptakan persepsi positif investor foster a positive perception of the Company among investors.
terhadap Perseroan.
Atas berbagai pencapaian tersebut, Dewan Komisaris For these achievements, the Board of Commissioners
mengapresiasi kinerja Direksi atas keberhasilannya dalam appreciates the Board of Directors’ performance for
memimpin Perseroan sepanjang tahun 2024. successfully leading the Company throughout 2024.
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PANDANGAN ATAS PROSPEK USAHA YANG VIEWS ON BUSINESS PROSPECTS PREPARED BY
DISUSUN OLEH DIREKSI THE BOARD OF DIRECTORS
Pemulihan ekonomi global pada 2025 diperkirakan akan The global economic recovery in 2025 is expected to face
menghadapi tantangan semakin kompleks, seiring dengan increasingly complex challenges. These challenges are
risiko global yang terus berkembang, seperti eskalasi konflik in line with evolving global risks, such as the escalation of
regional yang berpotensi memengaruhi harga komoditas regional conflicts potentially affecting global commodity
dunia, serta ketidakpastian kebijakan proteksionisme prices, and uncertainties in trade protectionism policies
dagang akibat pergantian poros kepemimpinan politik di due to shifts in political leadership in various countries.
berbagai negara. Berdasarkan perkembangan ini, World Based on these developments, the World Bank projects
Bank memproyeksikan pertumbuhan ekonomi dunia pada that global economic growth in 2025 will remain stagnant
2025 akan stagnan atau mengalami penurunan bertahap. or experience a gradual decline.
Meski demikian, pemulihan ekonomi Indonesia diperkirakan Nonetheless, Indonesia's economic recovery is expected
akan terus berlanjut pada 2025 dan akan semakin to continue in 2025 and will be further accelerated under
terakselerasi di bawah kepemimpinan Presiden Prabowo the leadership of President Prabowo Subianto. Positive
Subianto. Proyeksi positif terhadap ekonomi domestik akan projections for the domestic economy will provide a strong
menjadi fondasi kuat bagi industri, termasuk otomotif dan foundation for industries, including automotive and financial
jasa keuangan, untuk melanjutkan tren pertumbuhan positif. services, to maintain their positive growth trends.
Dengan mempertimbangkan faktor eksternal dan sumber Considering external factors and the Company's internal
daya internal Perseroan, Dewan Komisaris menilai bahwa resources, we assessed that the Board of Directors has
prospek usaha yang disusun Direksi dalam RBT tahun prepared an excellent business prospects in the 2025
2025 sudah baik, sesuai harapan pemangku kepentingan, Annual Business Plan. It meets stakeholders' expectations,
dan selaras dengan aspirasi Perseroan. Dewan Komisaris and aligns with the Company's aspirations. The Board of
tetap optimis terhadap prospek pertumbuhan pembiayaan Commissioners remains optimistic about the Company's
Perseroan yang ditargetkan mencapai Rp47 triliun. financing growth prospects, targeting Rp47 trillion.
Dewan Komisaris mengamanatkan kepada Direksi untuk The Board of Commissioners mandated the Board of
selalu mengedepankan prinsip kehati-hatian dalam Directors to always prioritize the principle of prudence in
menyalurkan dan mengelola pembiayaan, serta memastikan channelling and managing financing. They also ensure
tercapainya operational excellence guna mendukung the achievement of operational excellence to support
kelancaran dan kelincahan proses bisnis. Dewan Komisaris the seamless and agile business processes. The Board
optimis prinsip ini akan memperkuat kinerja Perseroan dan of Commissioners is optimistic that this principle will
mengukuhkan posisi FIFGROUP sebagai pemimpin pasar strengthen the Company's performance and solidify
pembiayaan dengan solusi inovatif yang relevan. FIFGROUP's position as a financing market leader with
relevant innovative solutions.
PANDANGAN TERHADAP PENERAPAN TATA VIEWS ON THE IMPLEMENTATION OF GOOD
KELOLA PERUSAHAAN YANG BAIK CORPORATE GOVERNANCE
Dewan Komisaris mengapresiasi kegigihan dan komitmen The Board of Commissioners appreciates the determination
Direksi dan karyawan dalam mengintegrasikan prinsip Tata and commitment of the Board of Directors and employees
Kelola Perusahaan yang Baik (Good Corporate Governance/ in consistently integrating the principles of Good Corporate
GCG) secara konsisten di seluruh lini usaha dan organisasi. Governance (GCG) principles across all business lines and
Pengawasan terhadap aspek GCG merupakan langkah organizational levels. Supervision of GCG aspects is a
penting untuk memastikan kegiatan usaha pembiayaan crucial step to ensure that financing business activities are
berjalan transparan, beretika, dan bertanggung jawab. conducted transparently, ethically and responsibly.
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Kami menyambut baik upaya Direksi dalam memperbaiki We highly appreciate the Board of Directors' efforts
penerapan GCG, termasuk dengan melakukan penilaian in improving the implementation of GCG, including
terhadap implementasi GCG. Pada 2024, hasil self- assessing GCG implementation. In 2024, the results of the
assessment menunjukkan peringkat komposit 1, yang self-assessment showed a composite rating of 1, which
mengindikasikan bahwa mekanisme check and balance indicated that the check and balance mechanisms between
antar organ Perseroan berjalan efektif. Setiap organ the Company's governing bodies were effective. Each
menjalankan tugas dan tanggung jawabnya dengan baik, governing body performs its duties and responsibilities
serta berkontribusi pada pertumbuhan kinerja bisnis yang properly and has contributed to the positive growth of
positif. Kami juga mengapresiasi kemampuan Direksi dalam business performance. We also appreciate the Board of
mengelola manajemen risiko secara antisipatif, dengan Directors' proactive approach to risk management and the
pengawasan yang akuntabel di setiap unit bisnis. accountable supervision of each business unit.
PANDANGAN ATAS PENERAPAN VIEWS ON THE IMPLEMENTATION OF
WHISTLEBLOWING SYSTEM (WBS) WHISTLEBLOWING SYSTEM (WBS)
Dewan Komisaris mengapresiasi Direksi atas upaya The Board of Commissioners appreciates the Board of
menciptakan lingkungan kerja yang bersih, beretika, dan Directors’ efforts in creating a clean, ethical, and violation-
bebas dari pelanggaran, yang tercermin dalam pengelolaan free work environment. It is as reflected in the professional
media pelaporan pelanggaran (whistleblowing system/ and objective management of the whistleblowing system
WBS) secara profesional dan objektif untuk mencegah dan (WBS) to prevent and detect fraud in the Company.
mendeteksi fraud pada Perseroan.
Sepanjang 2024, Dewan Komisaris, dengan bantuan Komite Throughout 2024, the Board of Commissioners, with the
Audit, menjalankan pengawasan untuk memastikan laporan assistance of the Audit Committee, carried out supervision
yang masuk melalui WBS ditindaklanjuti dengan baik sesuai to ensure that reports submitted through the WBS were
prosedur internal, menghasilkan keputusan yang adil bagi properly addressed in accordance with internal procedures.
pelapor dan terlapor. Dewan Komisaris aktif memberikan This resulted in fair decisions for both the whistleblower
telaah, saran, dan masukan terkait pengelolaan WBS. and the reported party. The Board of Commissioners
actively provided reviews, suggestions, and inputs related
to WBS management.
Mengingat pentingnya peran WBS dalam meningkatkan Given the important role of WBS in promoting integrity, the
integritas, Dewan Komisaris mendorong Direksi untuk terus Board of Commissioners encourages the Board of Directors
meningkatkan kualitas penerapan WBS dan lebih intens to continue enhancing the quality of WBS implementation
menyosialisasikan kebijakan ini kepada seluruh karyawan and to intensify the dissemination of this policy among all
agar kesadaran akan budaya kepatuhan semakin kuat. employees to strengthen awareness of a compliance culture.
PENILAIAN TERHADAP KINERJA KOMITE-KOMITE ASSESSMENT OF THE PERFORMANCE
DI BAWAH DEWAN KOMISARIS OF COMMITTEES UNDER THE BOARD OF
COMMISSIONERS
Dewan Komisaris mengoptimalkan fungsi pengawasan The Board of Commissioners optimized its supervisory
melalui 3 (tiga) komite pendukung, antara lain Komite function through 3 (three) supporting committees, including
Audit, Komite Pemantau Risiko, dan Komite Remunerasi the Audit Committee, the Risk Monitoring Committee, and
dan Nominasi. Ketiga komite tersebut berperan aktif dalam the Remuneration and Nomination Committee. These
pengawasan mulai dari perumusan hingga evaluasi strategi committees actively participate in supervision from the
dan kinerja Perseroan. Setiap tahun, Dewan Komisaris formulation to the evaluation of the Company's strategies
melakukan penilaian terhadap kinerja ketiga komite dengan and performance. The Board of Commissioners assesses
mengacu pada tolok ukur yang telah disepakati bersama. the performance of these three committees every year
according to mutually agreed benchmarks.
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Berdasarkan hasil pengawasan 2024, Dewan Komisaris Based on the 2024 supervision results, the Board of
menilai bahwa seluruh komite telah melaksanakan tugasnya Commissioners assessed that all committees had performed
dengan baik dan efektif. Selain itu, menurut pandangan their duties properly and effectively. We also believe
kami setiap komite juga telah memberikan kontribusi that each committee has made significant contributions
signifikan dalam mendukung pengambilan keputusan in supporting strategic decision-making, strengthening
strategis, memperkuat fungsi pengawasan, serta mendukung the supervisory function, and supporting the Company's
keberlanjutan Perseroan. Lebih spesifik, kami memberikan sustainability. Particularly, we gave positive ratings to the
penilaian positif terhadap kinerja ketiga komite pendukung performance of the three committees supporting the Board
Dewan Komisaris dengan dasar penilaian sebagai berikut: of Commissioners based on the following assessment criteria:
Komite Audit Audit Committee
Dewan Komisaris menilai Komite Audit telah berperan The Board of Commissioners considers that the Audit
penting dalam mengawasi kualitas informasi keuangan, Committee has played an important role in supervising the
sistem pengendalian internal, dan kepatuhan terhadap quality of financial information, internal control systems, and
peraturan yang berlaku. Komite ini juga telah mengevaluasi compliance with applicable regulations. The committee has
kinerja Kantor Akuntan Publik (KAP) dan memberikan also evaluated the performance of the Public Accounting
rekomendasi terkait penunjukkan KAP untuk tahun 2024. Firm and provided recommendations regarding the
Komite Audit mengadakan 8 (delapan) rapat sepanjang appointment of the Public Accounting Firm for 2024. The
2024 dengan tingkat kehadiran anggota 100%. Audit Committee held 8 (eight) meetings throughout 2024,
with a 100% attendance rate from its member.
Komite Pemantau Risiko Risk Monitoring Committee
Dewan Komisaris mengapresiasi kinerja Komite Pemantau The Board of Commissioners appreciates the Risk Monitoring
Risiko yang telah mengawasi penerapan sistem manajemen Committee’s performance in supervising the implementation
risiko Perseroan dan memastikan pengelolaan risiko utama of the Company's risk management system and ensuring
sesuai dengan risk appetite yang telah ditetapkan. Komite the management of key risks align with the established
Pemantau Risiko mengadakan 5 (lima) rapat sepanjang 2024 risk appetite. The Risk Monitoring Committee held 5 (five)
dengan tingkat kehadiran anggota 96,67%. meetings throughout 2024, with a 96.67% attendance rate
from its members.
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Dalam pandangan kami, Komite Remunerasi dan Nominasi We believe that the Remuneration and Nomination
telah menjalankan tugas dan tanggung jawabnya dengan Committee has fulfilled its duties and responsibilities.
baik, terutama dalam mengawasi transparansi proses Especially in supervising the transparency of nomination
nominasi dan remunerasi, serta memastikan kepatuhan and remuneration processes and ensuring compliance with
terhadap regulasi yang berlaku. Komite Remunerasi dan applicable regulations. The Remuneration and Nomination
Nominasi mengadakan 3 (tiga) rapat sepanjang 2024 Committee held 3 (three) meetings throughout 2024, with
dengan tingkat kehadiran anggota 100%. a 100% attendance rate from its members.
PERUBAHAN KOMPOSISI DEWAN KOMISARIS CHANGES IN THE BOARD OF COMMISSIONERS
COMPOSITION
Pada tahun 2024, terdapat penambahan 1 (satu) orang In 2024, there was an addition of 1 (one) new Independent
Komisaris Independen baru, yaitu Bapak Gede Harja Commissioner, namely Mr. Gede Harja Wasistha, and a
Wasistha, dan perubahan Komisaris yang kini dijabat change in the Commissioner position, presently held by
oleh Bapak Thomas Junaidi Alim Wijaya. Pengangkatan Mr. Thomas Junaidi Alim Wijaya. Their appointments became
keduanya berlaku efektif setelah dinyatakan lulus uji effective upon passing the fit and proper test by the Financial
penilaian kemampuan dan kepatutan oleh Otoritas Jasa Services Authority. Thus, the composition of the Board of
Keuangan. Dengan demikian, komposisi Dewan Komisaris Commissioners as of April 19, 2024, until the closing of the
per 19 April 2024 sampai dengan penutupan RUPS Tahun 2026 Annual General Meeting of Shareholders is as follows:
2026 mendatang, adalah sebagai berikut:
1. Presiden Komisaris: Suparno Djasmin 1. President Commissioner: Suparno Djasmin
2. Komisaris Independen: R. Nunu Soetjahja Noegoroho 2. Independent Commissioner: R. Nunu Soetjahja Noegoroho
3. Komisaris Independen: Gede Harja Wasistha 3. Independent Commissioner: Gede Harja Wasistha
4. Komisaris: Thomas Junaidi Alim Wijaya 4. Commissioner: Thomas Junaidi Alim Wijaya
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APRESIASI APPRECIATION
Menutup laporan ini, kami mengucapkan terima kasih To conclude, we extend our appreciation to shareholders,
kepada para pemegang saham, nasabah, dan mitra bisnis customers, and business partners for their unwavering trust
atas kepercayaan dan dukungan yang terus menerus, yang and support. These have enabled the Company to build a
memungkinkan Perseroan membangun landasan kokoh strong foundation and record solid performance.
dan mencatatkan kinerja solid.
Apresiasi juga kami sampaikan kepada Direksi dan karyawan We also express our appreciation to the Board of Directors
atas komitmen dan dedikasi dalam mencapai operational and employees for their commitment and dedication in
excellence sepanjang 2024. Tidak lupa, kami juga berterima achieving operational excellence throughout 2024. We
kasih kepada regulator yang turut membimbing Perseroan would also like to thank the regulators for guiding the
dalam menjalankan kegiatan usaha. Company in carrying out its business activities.
Dewan Komisaris berharap perjalanan 2024 menjadi We hope that the journey of 2024 served as both a learning
pembelajaran dan motivasi bagi FIFGROUP untuk terus and motivation for FIFGROUP to continue innovating and
berinovasi, menciptakan solusi pembiayaan yang bermanfaat creating beneficial financing solutions for the community.
bagi masyarakat. Dengan doa dan kerja keras, kami yakin With prayers and hard work, we are confident that the
Perseroan akan terus merumuskan strategi yang tepat untuk Company is able to formulate the appropriate strategies
mencapai tujuan besar dan membawa Perseroan ke tingkat to achieve significant goals and elevate the Company to
yang lebih tinggi. a higher level.
Atas nama Dewan Komisaris,
On behalf of the Board of Commissioners,
Suparno Djasmin
Presiden Komisaris
President Commissioner
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Suparno Djasmin R. Nunu Soetjahja Noegroho
Presiden Komisaris Komisaris Independen
President Commissioner Independent Commissioner
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Gede Harja Wasistha Thomas Junaidi Alim Wijaya
Komisaris Independen Komisaris
Independent Commissioner Commissioner
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Siswadi
Presiden Direktur
President Director
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Laporan Direksi
Board of Directors' Report
Kenaikan penyaluran pembiayaan yang
berhasil dicatatkan Perseroan selama 2024
merupakan hasil dari kerja keras segenap
karyawan dalam mendapatkan kontrak baru
yang terus meningkat serta diwujudkan
melalui inisiatif strategi yang dilakukan
sepanjang tahun 2024.
The increase in financing disbursements recorded by the Company during
2024 was the result of the hard work of all employees in securing new
contracts that continued to increase and was realized through strategic
initiatives implemented throughout 2024.
Para Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
To Our Esteemed Shareholders and Stakeholders,
Puji syukur ke hadirat Tuhan Yang Maha Esa atas tuntunan dan rahmat-Nya yang telah
memampukan kami segenap jajaran Direksi PT Federal International Finance (“Perseroan”)
dalam merumuskan strategi bisnis yang tepat dan efektif sehingga dapat menghantarkan
Perseroan ke level pertumbuhan yang lebih baik meski tengah dihadapkan dengan beragam
pasang surut tantangan di tahun 2024.
We extend our gratitude to the Almighty for the guidance and grace that has enabled us,
the Board of Directors of PT Federal International Finance (the "Company"), to formulate an
appropriate and effective business strategies. Thus, the Company has achieved a better
level of growth despite facing various challenges throughout 2024.
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Bersama ini, perkenankanlah saya mewakili jajaran Direksi On behalf of the Board of Directors, allow me to present
lainnya menyampaikan laporan ringkasan kinerja Perseroan a summary report of the Company's performance for the
untuk tahun buku yang berakhir pada 31 Desember 2024. fiscal year ending on December 31, 2024. The submission
Penyampaian laporan ini sekaligus menjadi bentuk of this report is also a form of accountability of the Board
pertanggungjawaban Direksi kepada pemegang saham of Directors to the shareholders regarding business
terkait pengelolaan usaha selama periode pelaporan management during the 2024 reporting period.
tahun 2024.
PERKEMBANGAN EKONOMI GLOBAL DAN GLOBAL ECONOMIC DEVELOPMENT AND
INDONESIA INDONESIA
Ketidakpastian perekonomian global sepanjang tahun 2024 Global economic uncertainty throughout 2024 continues to
terus berlanjut bersamaan dengan ketegangan geopolitik persist along with geopolitical tensions in several regions.
yang belum mereda di sejumlah wilayah hingga divergensi Meanwhile, the divergence of growth between countries
pertumbuhan antar-negara pun masih terus meningkat di also continues to increase amid the soft landing trend of
tengah tren soft landing perekonomian Amerika Serikat the United States (US) economy that consistently shows
(AS) yang konsisten menunjukkan perbaikan. Dengan improvement. Considering the improving macroeconomic
mempertimbangkan kondisi makroekonomi yang terus conditions, the US Fed gradually began cutting its benchmark
membaik, The Fed AS secara gradual mulai memangkas interest rate (Fed Fund Rate/"FFR") although it remained at a
suku bunga acuannya (Fed Fund Rate/”FFR”) meskipun relatively high level (higher for longer) by the end of 2024.
masih tetap bertahan di level yang tinggi (higher for longer) Following the less aggressive US monetary tightening policy,
pada akhir 2024. Menyusul arah kebijakan pengetatan Bank Indonesia (BI) also lowered its BI rate to 6.00% after
moneter AS yang tidak terlalu agresif, Bank Indonesia (BI) having maintained it at around 6.25% for an extended period.
turut menurunkan BI rate ke level 6,00% setelah sebelumnya
sempat bertahan cukup lama di kisaran 6,25%.
Di tengah tingginya ketidakpastian global, perekonomian Amidst high global uncertainty, Indonesia's economy
Indonesia tetap menunjukkan kinerja yang baik dengan laju remained resilient with a growth rate of 5.03% (yoy) in 2024,
pertumbuhan sebesar 5,03% (yoy) pada 2024, ditopang supported by household consumption which contributes
oleh konsumsi rumah tangga yang berkontribusi signifikan significantly to 54.04% of total GDP. Throughout 2024,
hingga 54,04% terhadap total PDB. Sepanjang tahun household consumption growth reached 4.94% (year on
2024, pertumbuhan konsumsi rumah tangga mencapai year/yoy), supported by increased public mobility that
4,94% (year on year/yoy), didukung oleh meningkatnya boosted spending in the transportation, communication,
mobilitas masyarakat yang mendorong pengeluaran restaurant, and hotel sectors. Although macroeconomic
di sektor transportasi, komunikasi, restoran, dan hotel. stability and national financial security remained intact,
Meskipun secara makro ekonomi stabilitas ekonomi dan signs of weakening purchasing power were evident. This
keuangan nasional terjaga, indikasi pelemahan daya beli was reflected in the inflation rate, which only reached 1.57%,
masyarakat tetap terlihat sebagaimana tercermin dari a lower figure than in 2023 and marking the lowest level in
laju inflasi yang hanya mencapai 1,57%, angka yang lebih history, even compared to the COVID-19 pandemic period.
rendah dibandingkan tahun 2023 dan bahkan menjadi
yang terendah sepanjang sejarah, termasuk dibandingkan
dengan masa pandemi COVID-19.
Berbagai dinamika yang berkembang di dalam negeri Domestic economic dynamics posed specific challenges to
menghasilkan tantangan tersendiri terhadap industri the automotive financing industry, which contracted by 2.5%
pembiayaan otomotif yang terkontraksi 2,5% (FY 2024, (FY 2024, yoy) due to suppressed consumer purchasing
yoy) karena terimbas oleh tertekannya daya beli masyarakat, power. In contrast, financing for the two-wheeler (2W)
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berbeda dengan pembiayaan di segmen sepeda motor roda motorcycle segment continued to grow, reaching 6.1% (yoy)
dua yang tetap tumbuh sebesar 6,1% (yoy) sepanjang tahun in 2024, in line with the 1.5% (FY 2024, yoy) increase in
2024, sejalan dengan penjualan roda dua (2W) yang tumbuh motorcycle sales. This demonstrates that motorcycles are
sebesar 1,5% (FY 2024, yoy). Hal ini menunjukkan bahwa still the primary mode of transportation for Indonesians to
sepeda motor masih menjadi transportasi pilihan utama support their daily mobility.
masyarakat Indonesia untuk membantu mobilitas harian.
Dalam rangka mengoptimalkan kinerja bisnis di tengah To optimize business performance tn the mid of the global
tantangan global maupun nasional yang dihadapi, Perseroan and domestic challenges, the Company has made every
sudah berupaya semaksimal mungkin memanfaatkan effort to take advantage of the positive growth momentum
momentum pertumbuhan positif yang ditunjukkan oleh shown by the Indonesian motorcycle industry by continuing
industri sepeda motor Indonesia dengan terus mendorong to encourage the distribution of Honda motorcycle financing
penyaluran pembiayaan sepeda motor Honda meskipun despite the intensifying competition in the financing market.
kompetisi pasar pembiayaan semakin ketat.
KINERJA PERSEROAN TAHUN 2024 COMPANY PERFORMANCE IN 2024
Konsistensi kami dalam mengimplementasikan strategi Our consistency in implementing prudent and innovative
pembiayaan yang prudent dan inovatif mampu mendorong financing strategies has driven positive operational and
pencapaian kinerja operasional dan finansial yang positif financial performance amidst challenges as reflected in
di tengah tantangan sebagaimana tercermin dari realisasi the realization of several key indicators that were recorded
sejumlah indikator kunci yang dibukukan lebih tinggi higher figures compared to the previous year. The
dibandingkan tahun lalu. Keberhasilan Perseroan dalam Company's success in delivering solid performance results
memberikan hasil kinerja yang solid sampai dengan akhir until the end of 2024 is showed in new financing growth
tahun 2024 tercermin dari pertumbuhan pembiayaan baru of 8.5% (yoy) to Rp45.9 trillion, with the two-wheeler (2W)
sebesar 8,5% (yoy) sehingga dibukukan menjadi Rp45,9 financing segment as the largest contributor. The Company
triliun dengan kontributor terbesar berasal dari segmen also generated a profit of Rp4.4 trillion or growing by 7.5%
pembiayaan roda dua, dengan Laba yang dihasilkan (yoy), with a controlled risk profile at a low level as reflected
Perseroan sebesar Rp4.4 triliun atau tumbuh sebesar 7,5% by gross Non-Performing Financing (NPF) of 1.1%, a better
(yoy), dengan profil risiko yang terkendali di level rendah figure compared to the NPF in the financing industry (FY2024
sebagaimana tercermin dari Non-Performing Financing 2.7%).
(NPF) gross sebesar 1,1%, lebih baik dibandingkan dengan
NPF di industri pembiayaan (FY2024 2.7%).
Kenaikan penyaluran pembiayaan yang berhasil dicatatkan The increase in financing disbursements recorded by the
Perseroan selama 2024 merupakan hasil dari kerja keras Company during 2024 was the result of the hard work of
segenap karyawan dalam mendapatkan kontrak baru yang all employees in securing new contracts that continued
terus meningkat serta diwujudkan melalui inisiatif strategi to increase and was realized through strategic initiatives
yang dilakukan sepanjang tahun 2024. Perseroan terus implemented throughout 2024. The Company continues
mengembangkan portofolio bisnis yang ada dalam rangka to develop its existing business portfolio to maintain
mempertahankan pangsa pasar 2W Honda di tengah Honda's 2W market share amidst intensifying competition
persaingan yang semakin ketat melalui penguatan Astra by strengthening the Astra Value Chain, as well as optimally
Value Chain, serta meningkatkan kapabilitasnya secara enhancing its capabilities in response to the Government's
optimal di tengah program percepatan Pemerintah dalam acceleration program in encouraging electric vehicle
mendorong adopsi kendaraan Listrik. Perseroan juga terus adoption. The Company also pursues operational excellence
menggalakkan operational excellence, dan mendorong and portfolio diversification through the microfinancing
diversifikasi portofolio melalui bisnis microfinancing business (FINATRA).
(FINATRA).
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Dalam menyiasati berbagai tantangan yang dihadapi, In dealing with various challenges it faced, the Company
Perseroan turut mengoptimalkan pemanfaatan teknologi further optimizes the use of information technology through
informasi melalui interkoneksi dengan Astra Ekosistem interconnection with Astra Ecosystem, including Astra
termasuk Astra Financial dan juga Beyond Astra agar dapat Financial and Beyond Astra. This is done to create value-
menciptakan produk dan layanan yang bernilai tambah added products and services aimed at increasing customer
yang bertujuan untuk meningkatkan loyalitas pelanggan loyalty and expanding its reach to new consumer segments.
serta menjangkau segmen konsumen baru secara lebih In addition, strengthening data analysis is a top priority
luas. Selain itu, penguatan analisis data menjadi prioritas to enhance Customer Lifetime Value and deliver a more
utama untuk meningkatkan Customer Lifetime Value serta integrated and seamless omnichannel service experience.
menciptakan pengalaman layanan omnichannel yang lebih
terintegrasi dan seamless.
Dengan berkaca pada hasil pencapaian tahun 2024, terlihat Reflecting on the achievements of 2024, the Company has
bahwa Perseroan berhasil membuktikan ketangguhannya successfully proven its resilience in overcoming external
dalam menghadapi tantangan eksternal dan di waktu yang challenges and at the same time is also able to evaluate
sama juga mampu mengevaluasi setiap peluang yang ada every opportunity to improve the Company's business
untuk meningkatkan kinerja bisnis perusahaan. Keberhasilan performance. These accomplishments further solidify the
ini semakin memantapkan posisi Perseroan sebagai salah Company's position as one of Indonesia’s leading financing
satu perusahaan pembiayaan terkemuka di Indonesia yang companies that consistently providing the best and holistic
konsisten menyediakan solusi finansial holistik dan terbaik financial solutions for the wider community while contributing
bagi masyarakat luas serta membawa dampak positif bagi positively to national economic growth.
pertumbuhan ekonomi nasional.
KOMITMEN TERHADAP TATA KELOLA COMMITMENT TO GOOD CORPORATE
PERUSAHAAN YANG BAIK GOVERNANCE
Perseroan berkomitmen untuk menjalankan bisnis The Company is committed to operating a responsible
pembiayaan yang bertanggung jawab dengan financing business by upholding the principles of Good
mengedepankan prinsip-prinsip Good Corporate Corporate Governance (GCG) at all organization levels.
Governance (GCG) di seluruh tingkatan organisasi. Consistency in the implementation of GCG is a key
Konsistensi dalam penerapan GCG menjadi key enabler enabler in ensuring the sustainability of business growth
dalam memastikan keberlanjutan pertumbuhan usaha in the midst of evolving economic dynamics. With a strong
di tengah dinamika ekonomi yang terus berkembang. governance foundation, the Board of Directors is confident
Dengan fondasi tata kelola yang kuat, Direksi meyakini that the Company can optimize performance and maintain
bahwa Perseroan mampu mengoptimalkan kinerja dan competitiveness in a sustainable manner.
mempertahankan daya saing secara berkelanjutan.
Dalam mendukung implementasi GCG tersebut, Perseroan In supporting the implementation of GCG, the Company
memiliki komite dan organ pendukung pelaksanaan tugas has established committees and supporting governing
Direksi yakni Komite Manajemen Risiko dan Komite Pengarah bodies to assist the Board of Directors, namely the Risk
Teknologi Informasi. Sepanjang tahun 2024, komite-komite Management Committee and the Information Technology
dan organ pendukung Direksi tersebut telah menjalankan Steering Committee. Throughout 2024, these committees
perannya secara optimal. Kami mengapresiasi kontribusi and supporting governing bodies of the Board of Directors
yang diberikan oleh masing-masing komite dalam mengawal have performed their roles optimally. We appreciate their
pelaksanaan strategi bisnis serta memastikan kepatuhan contributions in overseeing the implementation of business
terhadap prinsip GCG. Kami berharap sinergi positif yang strategies and ensuring compliance with GCG principles.
terjalin dapat terus berlanjut guna menjaga efektivitas We hope that this positive synergy can continue to maintain
kinerja yang juga diharapkan dapat meningkatkan daya operational effectiveness and enhancing the Company's
saing Perseroan di tengah dinamika industri. competitiveness in the midst of industry dynamics.
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PROSPEK BISNIS TAHUN 2025 BUSINESS PROSPECTS FOR 2025
Direksi menatap optimis prospek bisnis Perseroan yang lebih The Board of Directors is optimistic about the Company's
cerah pada tahun 2025 mendatang didorong oleh pemulihan brighter business prospects in 2025, driven by the national
ekonomi nasional yang diproyeksikan tetap berjalan di jalur economic recovery which is projected to maintain a growth
yang diharapkan dengan pertumbuhan di atas 5% (yoy) rate above 5% (yoy) and the certainty of the direction of
serta diperolehnya kepastian arah perkembangan kebijakan economic, trade and political policy developments in many
ekonomi, perdagangan hingga politik di banyak negara countries including Indonesia under the leadership of the
termasuk Indonesia di bawah kepemimpinan Pemerintahan new Government post-election in 2024. However, we also
baru pasca-pemilu tahun 2024. Kendati begitu, kami juga remain cautious of several potential challenges in the future,
tetap menyadari adanya sejumlah potensi tantangan such as the possibility of rising benchmark interest rates an
yang perlu diwaspadai ke depan, seperti kemungkinan declining consumer purchasing power, which could lead to
meningkatnya tingkat suku bunga acuan, penurunan daya weaker vehicle sales.
beli masyarakat yang dapat berdampak pada bayang-
bayang masih melemahnya penjualan kendaraan.
Dengan mempertimbangkan tantangan dan peluang Considering the alternating challenges and opportunities,
yang hadir bergantian, APPI memprediksi kinerja industri the Indonesian Financial Services Association (APPI) APPI
multifinance tahun 2025 akan mengalami perlambatan predicts that the performance of the multifinance industry
pertumbuhan dengan estimasi kenaikan sebesar 7-8% (yoy), in 2025 will experience slower growth with an estimated
lebih rendah dibandingkan prediksi sebelumnya sebesar increase of 7-8% (yoy), lower than the previous prediction
8-10% (yoy). Namun, segmen pembiayaan kendaraan roda of 8-10% (yoy). Nevertheless, the two-wheeler financing
dua (2W financing) diperkirakan tetap stabil dan terus segment (2W financing) is expected to remain stable and
bertumbuh, mengingat tingginya permintaan di pasar ini continue to grow, given the high demand in this market as
sebagai kebutuhan esensial masyarakat. Kondisi tersebut an essential need for public. This condition is anticipated
diyakini akan menimbulkan persaingan yang semakin agresif to lead to more aggressive competition in the two-wheeler
di industri pembiayaan kendaraan roda dua. financing industry.
Melihat potensi pertumbuhan yang lebih menjanjikan pada Recognizing the more promising growth potential in two-
pembiayaan roda dua, Perseroan menargetkan penyaluran wheeled financing, the Company targets new financing
pembiayaan baru sebesar Rp47 triliun pada 2025, meningkat disbursements of Rp47 trillion by 2025, an increase of 2.3%
2,3% (yoy) dibandingkan tahun sebelumnya. Dari total (yoy) compared to the previous year. Of this total portfolio,
portofolio tersebut, sebanyak 95% diproyeksikan berasal approximately 95% is projected to come from the financing
dari pembiayaan kendaraan roda dua, baik baru maupun of two-wheeled vehicles, both new and used. To achieve
bekas. Untuk dapat mewujudkan target pertumbuhan kinerja higher performance growth targets in the coming year, the
yang lebih tinggi di tahun depan, Perseroan terus berinovasi Company continues to innovate and strengthen its products,
dan memperkuat produknya, agar senantiasa menjadi pilihan ensuring it remains the top choice for customers.
utama di mata pelanggan.
Sementara itu Perseroan juga senantiasa memperkuat Additionally, the Company also continues to strengthen
dan memperluas kolaborasi dengan mitra, baik dalam and expand collaborations with partners, both within and
ekosistem Astra dan di luar Astra, serta meningkatkan beyond the Astra ecosystem. It also enhances its network
kapabilitas network dengan terus menyediakan layanan capabilities by continuing to provide excellent services both
prima baik dari sisi walk in channel maupun digital channel through physical walk-in channels and digital channels to
untuk meningkatkan experience konsumen di semua titik improve consumer experience across all interaction points.
interaksi. Perseroan juga meninjau kembali model bisnis The Company is also reviewing the microfinance business
pembiayaan mikro sehingga ke depannya dapat menjadi model to establish it as a new growth engine in the future.
mesin pertumbuhan baru untuk Perseroan.
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Dengan menilik hasil kinerja bisnis yang baik di tahun 2024, Overall, we believe that the Company is in a strong position
secara keseluruhan kami percaya bahwa Perseroan berada to support the development of the national financing industry,
dalam posisi yang kuat untuk mendukung perkembangan given the strong business performance in 2024.
di industri pembiayaan nasional.
PERUBAHAN KOMPOSISI DIREKSI CHANGES IN THE BOARD OF DIRECTORS
COMPOSITION
Sebagai bagian dari dinamika bisnis, pemegang saham As part of the business dynamics, the shareholders through
melalui Rapat Umum Pemegang Saham Tahunan (RUPST) the Annual General Meeting of Shareholders (AGMS) held on
yang diselenggarakan pada 19 April 2024 telah menetapkan April 19, 2024, have approved changes in the composition
perubahan komposisi Direksi. Kami mengapresiasi of the Board of Directors. We appreciate the trust given
kepercayaan yang diberikan kepada jajaran Direksi baru to the newly appointed Board of Directors who will serve
yang akan menjalankan tugasnya hingga penutupan RUPST until the closing of the 2026 AGMS. The composition of the
Tahun 2026. Adapun susunan Direksi yang telah ditetapkan Board of Directors that has been established is as follows:
adalah sebagai berikut:
Presiden Direktur : Siswadi President Director : Siswadi
Direktur : Indra Gunawan Director : Indra Gunawan
Direktur : Setia Budi Director : Setia Budi
Direktur : Sri Harjati Director : Sri Harjati
Direktur : Valentina Chai Wei Li Director : Valentina Chai Wei Li
Direktur : Daniel Hartono Director : Daniel Hartono
Kami menyampaikan apresiasi yang sebesar-besarnya We extend our deepest gratitude to Mr. Margono Tanuwijaya
kepada Bapak Margono Tanuwijaya atas dedikasi dan for his dedication and leadership that has contributed
kepemimpinan yang telah memberikan kontribusi nyata significantly to the development of the Company. His journey
bagi perkembangan Perseroan. Perjalanan dan pencapaian and achievements during his tenure serve as an inspiration
yang telah diraih selama masa kepemimpinannya menjadi for us to continue to lead the Company towards better
inspirasi bagi kami untuk terus membawa Perseroan menuju achievements in the future.
pencapaian yang lebih baik di masa depan.
Dengan susunan Direksi yang baru, Perseroan siap With the new Board of Directors, the Company is well-
menghadapi tantangan dan peluang di tahun mendatang. prepared to face the challenges and opportunities in the
Kami akan terus memperkuat strategi bisnis, meningkatkan coming year. We will continue to strengthen our business
sinergi antar pemangku kepentingan, serta memastikan strategies, improve synergy among stakeholders, and ensure
keberlanjutan pertumbuhan Perseroan dengan the sustainability of the Company's growth by prioritizing
mengedepankan inovasi dan tata kelola yang baik. innovation and good governance.
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PENUTUP DAN APRESIASI CONCLUSION AND APPRECIATION
Izinkan kami, mewakili Direksi dan segenap Manajemen On behalf of the Board of Directors and the entire
menyampaikan terima kasih kepada seluruh pemegang Management, we would like to extend our gratitude to
saham, arahan dari Dewan Komisaris, serta kolaborasi erat all shareholders, the Board of Commissioners for their
dengan mitra bisnis dan Astra Ecosystem di sepanjang guidance, and our business partners and Astra Ecosystem
2024. Sinergi yang terjalin telah mendorong Perseroan for their close collaboration throughout 2024. The synergy
untuk terus menghadirkan solusi keuangan yang inovatif we have built has encouraged the Company to continue to
dan meningkatkan kualitas layanan guna memenuhi provide innovative financial solutions and improve service
kebutuhan pelanggan. quality to meet customer needs.
Memasuki tahun 2025, kami optimis Perseroan akan As we enter 2025, we are optimistic that the Company will
semakin adaptif dan inovatif dalam merespons perubahan be more adaptive and innovative in responding to market
pasar, mengoptimalkan peluang pertumbuhan, serta changes, optimizing growth opportunities, and further
terus memperkuat posisinya di industri pembiayaan. strengthening its position in the financing industry. With
Dengan semangat kolaborasi dan komitmen terhadap a spirit of collaboration and a commitment to excellence,
keunggulan, kami yakin Perseroan dapat terus menciptakan we believe the Company will continue to create a positive
dampak positif dan mempertahankan pertumbuhan yang impact and maintain sustainable growth in the future.
berkelanjutan di masa depan.
Atas nama Direksi,
On behalf of the Board of Directors,
Siswadi
Presiden Direktur
President Director
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Sri Harjati Setia Budi Siswadi
Direktur Direktur Presiden Direktur
Director Director President Director
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Daniel Hartono Indra Gunawan Valentina Chai Wei Li
Direktur Direktur Direktur
Director Director Director
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Surat Pernyataan Anggota Dewan Komisaris
tentang Tanggung Jawab atas Laporan Tahunan 2024
PT Federal International Finance
Board of Commissioners Statements on the Responsibility for
PT Federal International Finance Annual Report Year 2024
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned hereby declare that all the
bahwa semua informasi dalam Laporan Tahunan PT Federal information disclosed in the 2024 Annual Report of PT
International Finance tahun 2024 telah dimuat secara Federal International Finance is complete and we are fully
lengkap dan bertanggung jawab penuh atas kebenaran responsible for the accuracy of such information. This
isi Laporan Tahunan Perseroan. Demikian pernyataan ini statement is made truthfully.
dibuat dengan sebenarnya.
Jakarta, Maret 2025
Jakarta, March 2025
Dewan Komisaris
Board of Commissioners
Suparno Djasmin R. Nunu Soetjahja Gede Harja Thomas Junaidi
Noegroho Wasistha Alim Wijaya
Presiden Komisaris Komisaris Independen Komisaris Independen Komisaris
President Commissioner Independent Commissioner Independent Commissioner Commissioner
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Surat Pernyataan Anggota Direksi
tentang Tanggung Jawab atas Laporan Tahunan 2024
PT Federal International Finance
Board of Directors Statements on the Responsibility for
PT Federal International Finance Annual Report Year 2024
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned hereby declare that all the
bahwa semua informasi dalam Laporan Tahunan PT Federal information disclosed in the 2024 Annual Report of PT
International Finance tahun 2024 telah dimuat secara Federal International Finance is complete and we are fully
lengkap dan bertanggung jawab penuh atas kebenaran responsible for the accuracy of such information. This
isi Laporan Tahunan Perseroan. Demikian pernyataan ini statement is made truthfully.
dibuat dengan sebenarnya.
Jakarta, Maret 2025
Jakarta, March 2025
Direksi
Board of Directors
Siswadi Indra Gunawan Setia Budi
Presiden Direktur Direktur Direktur
President Director Director Director
Sri Harjati Valentina Chai Wei Li Daniel Hartono
Direktur Direktur Direktur
Director Director Director
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Note:
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Profil
Perusahaan
Company Profile
Property
• Laptop
03
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Informasi Umum dan Identitas Perseroan
General Information and Company Identity
Nama Perusahaan Brand Perseroan
Company Name Company Name
PT Federal International Finance FIFGROUP
Tanggal Pendirian Kegiatan Usaha
Date of Establishment Business Activities
Pertama kali didirikan dengan nama Pembiayaan
PT Mitrapusaka Artha Finance pada Financial Services
tanggal 1 Mei 1989. Selanjutnya pada
tanggal 21 Oktober 1991, PT Mitrapusaka
Artha Finance mengubah namanya
menjadi PT Federal International Finance. Jumlah Karyawan
per 31 Desember 2024
First established under the name Number of Employees
PT Mitrapusaka Artha Finance on May 1, as of December 31, 2024
1989. Subsequently, on October 21, 1991,
PT Mitrapusaka Artha Finance changed its
name to PT Federal International Finance.
14.134 orang
employees
Dasar Hukum Pendirian
Legal Basis of Establishment
PT Mitrapusaka Artha Finance didirikan PT Mitrapusaka Artha Finance was established
berdasarkan atas Surat Keputusan based on the Decree of the Ministry of Justice
Menteri Kehakiman No.C2-6728.HT01.01. No. C2-6728.HT.01.01.Th.89 dated July 27, 1989.
Th.89 tanggal 27 Juli 1989. Selanjutnya, Furthermore, the name change to PT Federal
perubahan nama menjadi PT Federal International Finance was formalized through the
International Finance didirikan atas dasar
Decree of the Ministry of Justice of the Republic
Surat Keputusan Menteri Kehakiman
Republik Indonesia No.C2-6464.HT.01.04. of Indonesia No. C2-6464.HT.01.04.Th.91 dated
Th.91 tanggal 7 November 1991. November 7, 1991.
Modal Ditempatkan dan
Modal Dasar Disetor Penuh
Authorized Share Capital Issued and Paid-Up Share Capital
Rp300.000.000.000 Rp280.000.000.000
yang terdiri 300.000.000 saham dengan nilai yang terdiri dari 280.000.000 saham dengan
nominal Rp1.000 per saham. nilai nominal Rp1.000 per saham.
comprising of 300,000,000 shares at nominal comprising of 280,000,000 shares at nominal
value of Rp1,000 per share. value of Rp1,000 per share.
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Profil Perusahaan
Company Profile
Komposisi Pemegang Tanggal Pencatatan
Saham per 31 Desember Obligasi di Bursa Efek
2024 Indonesia (BEI)
Shareholder Composition as of Bond Listing Date on the Indonesia
December 31, 2024 Stock Exchange (IDX)
PT Astra International Tbk. 27 Agustus 2002
(99,99996%) August 27, 2002
Kode Emiten
Issuer Code
PT Arya Kharisma FIFA
(0,00004%) FIFA
Alamat Kantor Pusat
Head Office Address Situs Web
Website
Menara FIF
Jl. TB. Simatupang, Kav. 15, Cilandak, www.fifgroup.co.id
Jakarta Selatan 12440, Indonesia
Telp.: +6221-769-8899
Fax.: +6221-759 055 99
Email: corpsecretary@fifgroup.astra.co.id Media Sosial
Social Media
FIF Tower
Jl. TB. Simatupang, Kav. 15, Cilandak,
South Jakarta 12440, Indonesia Facebook
Phone: +6221-769-8899 FIFCLUB
Fax: +6221-759-055-99
Email: corpsecretary@fifgroup.astra.co.id Instagram
FIFCLUB
TikTok
Jaringan Kantor FIFCLUB
Office Network
X
1 Kantor Pusat
Head Office FIFCLUB
250 Kantor Cabang
Branch Offices
YouTube
FIFCLUB
Telegram
FIFGROUPFIONA_BOT
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Riwayat Perseroan
Brief History of the Company
Sekilas Federal International Finance Federal International Finance at a Glance
PT Federal International Finance (“Perseroan”) merupakan PT Federal International Finance (“the Company”) is
anak usaha dari PT Astra International Tbk yang didirikan a subsidiary of PT Astra International Tbk which was
dengan nama PT Mitrapusaka Artha Finance pada tanggal 1 established under the name PT Mitrapusaka Artha Finance
Mei 1989. Sejarah panjang perjalanan Perseroan di industri on May 1, 1989. The long history of the Company's journey
multifinance nasional dimulai dengan melakukan kegiatan in the national multifinance industry began by conducting
usaha di bidang pembiayaan yang mencakup Sewa Guna business activities in financing which includes Leasing,
Usaha, Anjak Piutang, dan Pembiayaan Konsumen. Factoring, and Consumer Financing.
Pada tahun 1991, PT Mitrapusaka Artha Finance resmi In 1991, PT Mitrapusaka Artha Finance officially changed
berganti nama menjadi seperti sekarang, yaitu PT Federal its name to PT Federal International Finance (FIF), as it is
International Finance (FIF). Beberapa tahun berselang known today. A few years later, following the name change,
menyusul perubahan nama tersebut, tepatnya pada tahun the Company decided to shift its business focus in 1996 by
1996, Perseroan memutuskan untuk mengubah fokus focusing on financing Honda motorcycles, particularly in the
bisnisnya dengan menitikberatkan usaha pada pembiayaan retail consumer financing sector.
sepeda motor Honda, khususnya di sektor pembiayaan
konsumen retail.
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Profil Perusahaan
Company Profile
Melihat perkembangan bisnis yang semakin pesat dan Recognizing the rapid business growth and increasing
kebutuhan pendanaan yang terus meningkat untuk funding needs for expansion in 2002, the Company
melakukan ekspansi di tahun 2002, Perseroan melakukan diversified its funding sources, no longer relying solely
diversifikasi sumber pendanaan sehingga tidak hanya on banking but also issuing debt securities in the form of
mengandalkan dari perbankan melainkan melalui penerbitan corporate bonds on a continuous basis. By the end of 2024,
efek utang berupa obligasi korporasi secara berkelanjutan. the Company successfully maintained a strong track record
Sampai akhir 2024, Perseroan berhasil mempertahankan of the timeliness of payment of all its financial obligations,
rekam jejak yang baik dalam hal ketepatan waktu as reflected in its consistently highest bond rating of idAAA
pembayaran seluruh kewajiban keuangannya, sebagaimana from PEFINDO.
dapat dilihat dari peringkat obligasi Perseroan yang stabil
di posisi tertinggi: idAAA, dari PEFINDO.
Selanjutnya pada Mei 2013, Perseroan secara resmi Furthermore, in May 2013, the Company officially introduced
memperkenalkan identitas baru dengan brand “FIFGROUP”, a new identity with the brand “FIFGROUP”, which also
yang sekaligus menandakan strategi transformasi bisnis signifies the Company's business transformation strategy.
Perseroan. Dengan membawa logo dan identitas baru With this new logo and identity, FIFGROUP is committed to
tersebut, FIFGROUP berkomitmen untuk selalu hadir always be present to answer the needs of the community by
menjawab kebutuhan masyarakat dengan menawarkan offering a variety of reliable and leading financing solutions
beragam solusi pembiayaan terpercaya dan terdepan with its 5 (five) business portfolios:
bersama 5 (lima) portofolio bisnisnya:
Pembiayaan Sepeda Pembiayaan Pembiayaan Pembiayaan Pembiayaan
Motor Honda Multiguna Multi Produk Mikro Produktif Syariah
Honda Motorcycle Multipurpose Financing Multiproduct Financing Micro Productive Sharia Financing
Financing Financing
Untuk mendukung keberlanjutan usaha jangka panjang, To support long-term business sustainability, the Company
Perseroan terus berusaha melahirkan inovasi-inovasi baru continues to strive for new innovations in order to provide
agar dapat menghadirkan layanan pembiayaan yang inklusif inclusive financing services for all Indonesians. As a follow
bagi seluruh masyarakat Indonesia. Sebagai tindak lanjut up to this goal, in May 2016, the Company launched a new
atas cita-cita tersebut, pada bulan Mei 2016, Perseroan digital application called FIFGROUP Digital Form, which
meluncurkan aplikasi digital baru bernama FIFGROUP is one part of FIFGROUP Digitalization Ecosystem. The
Digital Form, yang merupakan salah satu bagian dari existence of this application is a clear proof of the Company's
FIFGROUP Digitalization Ecosystem. Keberadaan aplikasi commitment to provide excellent service for all debtors by
ini menjadi bukti nyata atas komitmen Perseroan untuk offering a faster and easier financing application process, as
memberikan layanan prima bagi seluruh debitur dengan well as showing FIFGROUP's concern for the environment.
menawarkan proses pengajuan pembiayaan yang lebih The launch of this application is also a reflection of the
cepat dan mudah, serta sekaligus menunjukkan kepedulian Company's digital innovation in supporting the achievement
FIFGROUP dalam hal lingkungan. Peluncuran aplikasi ini of the vision of “To be The Admired National Industry Leader.”
juga menjadi cerminan inovasi digital Perseroan dalam
mendukung pencapaian visi "Menjadi Pemimpin Industri
yang Dikagumi Secara Nasional."
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Berbekal pengalaman matang selama lebih dari tiga dekade With over three decades of extensive experience in the
beroperasi di bisnis layanan pembiayaan, Perseroan berhasil financing services business, the Company has successfully
mempertahankan eksistensinya di tengah persaingan pasar maintained its presence amidst increasingly fierce market
yang semakin ketat sebagai perusahaan penyedia solusi competition as a provider of financial solutions for the
finansial bagi masyarakat umum yang berkeinginan untuk general public who wish to own a Honda motorcycle and
memiliki sepeda motor Honda dan memenuhi kebutuhan fulfill other needs. To support its business activities, by the
lainnya. Untuk mendukung kegiatan bisnisnya, hingga akhir end of 2024, the Company has 250 branch offices spread
tahun 2024, Perseroan memiliki 250 kantor cabang yang across Indonesia.
tersebar di seluruh Indonesia.
Informasi Perubahan Nama dan Alasan Name Change Information and Reason for Name
Perubahan Nama Change
Perseroan didirikan pada 1 Mei 1989 di Jakarta dengan The Company was established on May 1, 1989 in Jakarta
nama awal PT Mitrapusaka Artha Finance berdasarkan Akta under the initial name of PT Mitrapusaka Artha Finance
Notaris Rukmasanti Hardjasatya, S.H., No. 1. Akta pendirian based on notarial deed No. 1 of Rukmasanti Hardjasatya,
ini kemudian diperbarui melalui Akta No. 40 tanggal 26 Juni S.H. This deed of establishment was later renewed through
1989 oleh notaris yang sama. Anggaran Dasar Perseroan deed No. 40 on June 26, 1989 by the same notary. The
disahkan oleh Menteri Kehakiman melalui Surat Keputusan Company’s Articles of Association were approved by the
No. C2-6728.HT.01.01.Th.89 pada 27 Juli 1989. Minister of Justice through Decree No. C2-6728.HT.01.01.
Th.89 on July 27, 1989.
Pada 21 Oktober 1991, dalam rangka penyesuaian bisnis, On October 21, 1991, in order to adjust the business focus,
pemegang saham melalui Rapat Umum Pemegang Saham the shareholders through the Extraordinary General
Luar Biasa (RUPSLB) menyetujui perubahan nama Perseroan Meeting of Shareholders (EGMS) approved the change of
menjadi PT Federal International Finance. Perubahan nama the Company’s name to PT Federal International Finance.
tersebut telah mendapatkan persetujuan dari Menteri The name change was approved by the Minister of Justice
Kehakiman Republik Indonesia melalui Surat Keputusan of the Republic of Indonesia through Decree No. C2-6464.
No. C2-6464.HT.01.04.Th.91 yang diterbitkan pada 7 HT.01.04.Th.91 on November 7, 1991.
November 1991.
PT Mitrapusaka Artha Finance PT Federal International FInance
1 Mei 1989 | May 1, 1989 21 Oktober 1989 | October 21, 1989
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Profil Perusahaan
Company Profile
Logo Perusahaan
The Company’s Logo
Sidik jari adalah simbol autentik yang unik dan dimiliki A fingerprint is an authentic symbol that is unique and owned
oleh setiap individu, di mana setiap sidik jari memiliki by each individual, in which each fingerprint has a different
pola yang berbeda. Visual sidik jari pada logo FIFGROUP pattern. The fingerprint visual in FIFGROUP logo represents
merepresentasikan tiga elemen utama yang menjadi three key elements that become the Company's identity:
identitas Perseroan:
1. Komitmen tinggi FIFGROUP dalam memberikan 1. FIFGROUP high commitment in providing the best
pelayanan terbaik kepada pelanggan dan mitra bisnis. service to customers and business partners.
2. Fokus FIFGROUP dalam memahami kebutuhan spesifik 2. FIFGROUP focus in understanding the specific needs
setiap pelanggan. of each customer.
3. FIFGROUP mengedepankan kustomisasi layanan dan 3. FIFGROUP prioritizes service customization and the
produk yang tepat dan sesuai bagi setiap kebutuhan provision of appropriate and suitable product based on
pelanggan. every customer’s needs.
Logo ini menjadi wujud aspirasi besar FIFGROUP dalam This logo embodies FIFGROUP's grand aspiration in carrying
menjalankan misinya untuk “Membawa Kehidupan yang out its mission to “Bring the Better Life to the Community.”
Lebih Baik.”
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Jejak Langkah Perusahaan
Milestones
1989 1991 1997 1998
Pendirian Perseroan dengan PT Mitrapusaka Artha Penerapan Sistem Perseroan tetap
nama PT Mitrapusaka Artha Finance mengganti Namanya Komputerisasi terintegrasi. aktif menyalurkan
Finance. menjadi PT Federal The implementation of an pembiayaan meski
Establishment of the International Finance. integrated Computerized dihadapkan dengan
Company under the name PT Mitrapusaka Artha System. badai krisis ekonomi
of PT Mitrapusaka Artha Finance changed its name nasional.
Finance. to PT Federal International The Company
Finance. continued to actively
provide financing
services despite the
national economic crisis.
2003 2002 1999
PEFINDO menaikkan peringkat • Perseroan melunasi (prepaid) kewajiban utang yang Sukses melakukan
obligasi Perseroan atas telah direstrukturisasi pada tahun 1999; restrukturisasi utang
Penerbitan Obligasi Amortisasi • Perseroan untuk pertama kalinya menerbitkan sampai tahun 2003
Federal International Finance Obligasi bernama Obligasi Amortisasi Federal tanpa haircut pokok
II Tahun 2003 dengan Tingkat International Finance I Tahun 2002 dengan Tingkat maupun bunga.
Bunga Tetap dari A- (Single A Bunga Tetap pada tanggal 27 Agustus 2002 yang
Minus; stable outlook) menjadi Successfully restructured
berperingkat idA- senilai Rp300 miliar. loan by 2003 without
A+ (Single A Plus; stable
outlook). • The Company prepaid its restructured loan in 1999. principal or interest
• For the first time, the Company issued the Federal haircut.
PEFINDO upgraded the rating
of Federal International Finance International Finance Amortized Bonds I Year 2002
Amortized Bonds II Year 2003 with Fixed Interest Rate on August 27, 2002, rated
with Fixed Interest Rate from A- idA-, with a value of Rp300 billion.
(Single A Minus; stable outlook)
to A+ (Single A Plus; stable
outlook).
2005 2006 2007
Perseroan berhasil melakukan Pemegang saham Pengembangan sistem
pembayaran pelunasan menyuntikkan tambahan untuk mendukung strategi
terhadap Obligasi Pertama, yaitu modal ditempatkan dan penagihan dan penanganan
Obligasi Amortisasi Federal disetor penuh dari Rp80 tagihan bermasalah.
International Finance I Tahun miliar menjadi Rp280 miliar. Development of a system
2002 yang jatuh tempo pada Shareholders injected to support the strategy for
tanggal 6 September 2005 additional issued and fully collecting and handling non
senilai Rp300 miliar. paid capital from Rp80 billion performing receivables.
The Company successfully to Rp280 billion.
made the full repayment of
its first bond, the Federal
International Finance Amortized
Bonds 1 Year 2022, which
matured on September 6, 2005,
amounting to Rp300 billion.
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Profil Perusahaan
Company Profile
2008 2009 2010
• Perolehan laba bersih sebesar Rp612 miliar Perolehan laba bersih • Laba bersih dibukukan mencapai Rp1.174
atau tumbuh 49,0% di tengah krisis global: senilai Rp812 miliar. miliar, tumbuh 45% (yoy):
• PEFINDO menaikkan peringkat atas • Penerbitan obligasi ke-10 senilai Rp1.500
Penerbitan Obligasi Amortisasi Federal Net income
achievement of Rp812 miliar dengan pembayaran penuh dan
International Finance VIII Tahun 2008
billion. amortisasi, serta peringkat idAA- dengan
dengan Tingkat Bunga Tetap yang
diterbitkan Federal International Finance dari outlook stabil.
A+ (Single A Plus; stable outlook) menjadi • Net income recorded achieved Rp1,174 billion,
AA- (Double A Minus; stable outlook). increased by 45% (yoy):
• Net income of Rp612 billion or increased • Issuance of the 10th bond worth Rp1,500 billion
49.0% during the global crisis era: with full and amortized payment, and idAA-
• PEFINDO upgraded the Federal International rating with a stable outlook.
Finance Amortized Bonds VIII Year 2008
with Fixed Interest Rate from A+ (Single A
Plus; stable outlook) to AA- (Double A Minus;
stable outlook).
2012 2011
• Mengembangkan transformasi • Perseroan mengupayakan regenerasi pemimpin-pemimpin bisnis melalui program
bisnis dan menginternalisasikan “People Readiness & Succession Planning”;
nilai-nilai perusahaan “T.E.A.M.”; • PEFINDO menaikkan peringkat obligasi atas Penerbitan Obligasi Federal
• Laba bersih dibukukan mencapai International Finance XI Tahun 2011 dengan Tingkat Bunga Tetap yang diterbitkan
Rp1.125 miliar. Federal International Finance dari AA- (Double A Minus; stable outlook) menjadi
AA+ (Double A Plus; stable outlook).
• Developed business transformation
and internalized “T.E.A.M.” corporate • The Company seeks to regenerate business leaders through the “People
values. Readiness & Succession Planning” program;
• Net income recorded reached • PEFINDO upgraded the rating of Federal International Finance Amortized Bonds
Rp1,125 billion. XI Year 2011 with Fixed Interest Rate issued by Federal International Finance from
AA+ (Double A Plus; stable outlook) to AA- (Double A Minus; stable outlook).
2013
• Perseroan menunjuk lembaga pemeringkat lainnya yaitu Fitch • The Company appointed another rating agency, Fitch Ratings
Ratings Indonesia untuk melakukan pemeringkatan terhadap Indonesia, to conduct a rating assessment of its bonds. Fitch
Obligasi Perseroan. Fitch Ratings Indonesia memberikan Ratings Indonesia assigned a AAA (idn) rating to the Federal
perangkat AAA (idn) atas Obligasi Berkelanjutan I Federal International Finance Shelf Registration Bonds I with Fixed
International Finance dengan Tingkat Bunga Tetap Tahap II tahun Interest Rate Phase II Year 2013. In addition, for the same
2013. Di sisi lain, atas obligasi yang sama Pefindo memberikan bonds, PEFINDO assigned a rating of idAA+ with a stable
peringkat idAA+ dengan outlook stabil; outlook.
• Laba bersih dibukukan mencapai Rp1.205 miliar, meningkat 7,12% • Net income recorded reached Rp1,205 billion, grew 7.12%
dari tahun sebelumnya; compared to the previous year.
• Peluncuran identitas baru FIFGROUP pada 2 Mei 2013. • The launch of FIFGROUP's new identity on May 2, 2013.
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2014 2015 2016
• Laba bersih dibukukan senilai Rp1.302 miliar, tumbuh 8,45% • Laba bersih • Laba bersih Perseroan
dari tahun sebelumnya; dibukukan sebesar tercatat sebesar Rp1.805
• PEFINDO meningkatkan peringkat Obligasi Berkelanjutan I Tahap Rp1.506 miliar; miliar;
III dari semula idAA+ menjadi idAAA sehingga penerbitan obligasi • Peluncuran • Peluncuran aplikasi
Berkelanjutan I Tahap III dengan Tingkat Bunga Tetap dan jumlah pembiayaan berbasis digital baru bernama
pokok sebesar Rp1.550 miliar, mendapat peringkat idAAA (Triple A; syariah bernama Digital Application Form.
Stable Outlook) dari PEFINDO untuk hasil pemantauan pada periode AMITRA. • The Company's net
2 Oktober 2014. Selain itu atas obligasi yang sama, Fitch Ratings • Net income recorded income was recorded at
Indonesia juga memberikan peringkat AAA (idn) dan F1+. achieved Rp1,506 Rp1,805 billion;
• Net income recorded reached Rp1,302 billion, an increase of 8.45% billion; • The launch of a new
compared to the previous year. • The launch of sharia- digital application called
• PEFINDO upgraded the rating of Shelf Registration Bonds I Phase III based financing Digital Application Form.
from idAA+ to idAAA, resulting in the issuance of Shelf Registration named AMITRA.
Bonds I Phase III with Fixed Interest Rate and a principal amount of
Rp1,550 billion receiving an idAAA (Triple A; Stable Outlook) rating
from PEFINDO in its monitoring results for the period of October 2,
2014. Additionally, for the same bonds, Fitch Ratings Indonesia also
assigned a rating of AAA (idn) and F1+.
2018 2017
• Laba bersih dibukukan senilai Rp2.315 miliar; • Laba bersih tercatat senilai Rp1.995
• Soft Launching FIFADA; miliar;
• Perseroan untuk pertama kalinya • Peluncuran FIFGROUP E-Card;
menerbitkan Euro Medium Term Notes senilai • Peluncuran DANASTRA.
USD300.000.000 yang jatuh tempo pada
• Net income was recorded at Rp1,995
tanggal 10 Mei 2021.
billion;
• Net profit recorded reached Rp2,315 billion; • The launch of FIFGROUP E-Card;
• FIFADA Soft Launching; • The launch of DANASTRA.
• The Company, for the first time, issued
Euro Medium Term Notes amounting to
USD300,000,000, which matured on May 10,
2021.
2019 2020
• Laba bersih dibukukan sebesar Rp2.568 milliar; • Di tengah tantangan pandemi COVID-19,
• Pembentukan Anti-Fraud Management System; Perseroan tetap mampu mencetak laba bersih
• Penerbitan Euro Medium Term Notes senilai sebesar Rp1.488 miliar;
JPY3.000.000.000 yang jatuh tempo tanggal • Di masa pandemi COVID-19, Perseroan juga
30 September 2022. berhasil menerbitkan Obligasi Berkelanjutan IV
• Net income recorded reached Rp2,568 billion; Tahap II dengan Tingkat Bunga Tetap dan jumlah
• Establishment of Anti-Fraud Management System; pokok sebesar Rp1.500 miliar;
• Issuance of Euro Medium Term Notes worth • Inisiasi Aksi Keuangan Berkelanjutan.
JPY3,000,000,000 that matured on • Amid the challenges of the COVID-19 pandemic,
September 30, 2022. the Company was still able to record a net income
of Rp1,488 billion;
• During the COVID-19 pandemic, the Company also
successfully issued Shelf Registration Bonds IV
Phase II with Fixed Interest Rate and a principal
amount of Rp1,500 billion;
• Initiation of Sustainable Finance Initiative.
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Profil Perusahaan
Company Profile
2021 2022 2023
• Pada ajang Astra Awards 2021, Perseroan • Perseroan membentuk lini usaha baru • Perolehan laba bersih
terpilih sebagai perusahaan terbaik di masa bernama Finatra; senilai Rp4,10 triliun.
pandemi yang dibuktikan melalui perolehan • Konsisten melakukan ekspansi bisnis
• Recorded net profit of
laba bersih sebesar Rp2.467 miliar; pembiayaan di tengah momentum
Rp4.10 trillion.
• Perseroan berhasil melakukan pembayaran perbaikan ekonomi nasional dan berhasil
pelunasan atas Euro Medium Term Notes mencatatkan laba bersih senilai Rp3,17
senilai USD300.000.000 pada tanggal 10 Mei triliun;
2021. • Perseroan berhasil melakukan pembayaran
• At the 2021 Astra Awards, the Company pelunasan atas Euro Medium Term Notes
was selected as the best company during senilai JPY3.000.000.000 yang jatuh tempo
the pandemic, as shown by the net profit of tanggal 30 September 2022.
Rp2,467 billion; • The Company established a new business
• The Company successfully made the full line called Finatra;
repayment of Euro Medium Term Notes worth • Consistent expansion of the financing
USD300,000,000 on May 10, 2021. business amid the national economic
recovery momentum and successfully
recorded a net profit of Rp3.17 trillion;
• The Company successfully made the full
repayment of Euro Medium Term Notes
worth JPY3,000,000,000, which matured on
September 30, 2022.
• Perseroan untuk pertama kalinya menerima fasilitas kredit berbasis ESG yaitu Sustainability Loan
2024 sebesar US$60.000.000 (enam puluh juta Dolar Amerika Serikat) pada tanggal 18 April 2024.
• Total alokasi pendanaan dari Sustainability Loan adalah sebesar Rp974.150.000.000
• The Company, for the first time, received an ESG-based credit facility, namely a Sustainability Loan
of US$60,000,000 (sixty million United States Dollars) on April 18, 2024.
• The total funding allocation of the Sustainability Loan is Rp974,150,000,000.
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Visi, Misi, dan Budaya Perusahaan
Vision, Mission, and Corporate Culture
Visi Menjadi Pemimpin Industri yang
Dikagumi Secara Nasional.
Vision To be The Admired National Industry Leader.
Peninjauan Visi dan Misi oleh Dewan Komisaris dan Direksi
Dewan Komisaris dan Direksi secara berkala melakukan peninjauan terhadap visi dan misi Perseroan untuk memastikan keselarasannya
dengan perkembangan bisnis dan pencapaian tujuan strategis.
Pada Tanggal 12 November 2024, Dewan Komisaris dan Direksi telah melakukan peninjauan ulang terhadap visi dan misi Perseroan dan
menilai bahwa visi dan misi Perseroan masih relevan dengan arah strategis yang telah ditetapkan sehingga tidak diperlukan perubahan.
Tata Nilai
Corporate Values
Nilai “TEAM” sebagai budaya perusahaan telah tertuang dalam The “TEAM” as corporate values have been set out in the
Pedoman Tata Kelola Perusahaan dan telah disetujui oleh Direksi Corporate Governance Guidelines and approved by the Board
dan Dewan Komisaris tanggal 20 Desember 2017. of Directors and Board of Commissioners on December 20, 2017.
Kerja sama sinergis secara profesional antar individu atau kelompok berlandaskan
T
saling menghargai dan saling percaya dengan semangat kebersamaan untuk
Team Work mencapai tujuan Perseroan.
Professional synergy among individuals or groups based on mutual respect and
trust, with a spirit of unity to achieve corporate objectives.
Proaktif meningkatkan kualitas layanan dan produk melalui optimalisasi sumber
daya dan perbaikan proses berkesinambungan untuk menghasilkan nilai tambah
E
bagi stakeholder.
Excellence
Proactively enhancing service and product quality through resource optimization
and continuous process improvement to generate added value for the stakeholder.
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Profil Perusahaan
Company Profile
Misi Membawa Kehidupan yang Lebih
Baik untuk Masyarakat.
Mission Bring the Better Life to the Community.
Review of Vision and Mission by the Board of Commissioners and Directors
The Board of Commissioners and Board of Directors periodically review the Company's vision and mission to ensure their alignment with
business development and the achievement of strategic objectives.
On November 12, 2024, the Board of Commissioners and Directors have reviewed the Company's vision and mission and assessed that
the Company's vision and mission are still relevant to the strategic direction that has been set so that no changes are needed.
Berkomitmen menghasilkan inovasi-inovasi berlandaskan integritas, semangat
A
pemenang dan pantang menyerah untuk mencapai prestasi terbaik.
Achieving
Committed to producing innovations rooted in integrity, a winning spirit, and
perseverance to achieve the highest accomplishments.
Berwawasan luas dan berpandangan jauh ke depan dalam menemukan dan
menciptakan peluang untuk mencapai pertumbuhan berkelanjutan.
M Moving
Forward Having broad vision and foresight in identifying and creating opportunities to
achieve sustainable growth.
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Kegiatan Usaha
Business Activities
Sepanjang tahun 2024, Perseroan menjalankan seluruh kegiatan
usaha utama ataupun penunjang, sesuai dengan bidang usaha yang
tercantum pada Anggaran Dasar terakhirnya.
Throughout 2024, the Company conducted all primary or supporting business
activities in accordance with the line of business in its latest
Articles of Association.
Kegiatan Usaha sesuai Anggaran Dasar Terakhir Business Activities as of the Latest Articles of
Association
Sebagaimana diatur pada Pasal 3 Anggaran Dasar Perseroan As stipulated in Article 3 of the Company's Articles of
yang telah dituangkan dalam Akta No. 13 tanggal 4 Agustus Association, as set forth in Deed No. 13 dated August 4, 2015,
2015 dan mengacu pada POJK No. 35 /POJK.05/2018 tentang and referring to POJK No. 35/POJK.05/2018 concerning the
Penyelenggaraan Usaha Perusahaan Pembiayaan, adapun Implementation of the Financing Company Business, the
bidang usaha Perseroan adalah sebagai berikut: Company's lines of business are as follows:
1. Pembiayaan investasi; 1. Investment financing;
2. Pembiayaan modal kerja; 2. Working capital financing;
3. Pembiayaan multiguna; 3. Multipurpose financing;
4. Sewa operasi (operating lease) dan/atau kegiatan 4. Operating lease and/or fee-based activity;
berbasis fee;
5. Pembiayaan syariah, meliputi pembiayaan jual beli, 5. Sharia financing includes financing of sale and purchase,
pembiayaan investasi, dan/atau pembiayaan jasa yang financing of investment, and/or financing of services
dilakukan dengan menggunakan akad berdasarkan performed using a contract based on sharia principles;
prinsip syariah; dan and
6. Pembiayaan lain berdasarkan persetujuan Otoritas 6. Other financing under the approval of the Financial
Jasa Keuangan. Services Authority.
Kegiatan Usaha yang Dijalankan Tahun 2024 Business Activities Conducted in 2024
Sepanjang tahun 2024, Perseroan menjalankan seluruh Throughout 2024, the Company conducted all primary or
kegiatan usaha utama ataupun penunjang, sesuai supporting business activities in accordance with the line
dengan bidang usaha yang tercantum pada Anggaran of business in its latest Articles of Association.
Dasar terakhirnya.
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Profil Perusahaan
Company Profile
Produk dan/atau Jasa yang Dihasilkan Products and/or Services Produced
Dalam menjalankan bisnisnya, saat ini Perseroan telah In running its business, the Company currently has products
memiliki produk dan jasa yang dapat diklasifikasikan and services that can be classified as follows:
sebagai berikut:
FIFASTRA DANASTRA SPEKTRA
Fasilitas Pembiayaan Sepeda Motor Fasilitas Pembiayaan Multiguna Fasilitas Pembiayaan Multi Produk
Motorcycle Financing Facility Multipurpose Financing Facility Multiproduct Financing Facility
Merupakan komposisi terbesar Fasilitas pembiayaan multiguna Brand pembiayaan multiproduk
dalam portofolio bisnis FIFGROUP dengan jaminan collateral yang yang menyediakan layanan kredit
yang bergerak di bidang bergerak di bidang kredit mikro. untuk pembelian elektronik,
pembiayaan sepeda motor Honda peralatan rumah tangga, furniture,
baru. A multipurpose financing facility gadget, dan produk lifestyle.
with collateral guarantees operating
The most significant composition in microcredit. A multiproduct financing brand that
in FIFGROUP's business portfolio provides credit services for the
engaged in financing new Honda purchase of electronic products,
motorcycles. household appliances, furniture,
gadgets, and lifestyle products.
FINATRA AMITRA
Fasilitas Pembiayaan Mikro Produktif Fasilitas Pembiayaan Syariah
Micro Productive Financing Facility Sharia Financing Facility
Layanan pembiayaan Fasilitas pembiayaan syariah yang
produktif untuk mendukung menawarkan produk-produk seperti
para pelaku UMKM agar mampu pembiayaan perjalanan religi (haji
berkembang dan naik kelas dalam dan umrah).
mengembangkan usahanya.
A Sharia financing facility that offers
A micro productive financing facility products such as financing for
to support MSME entrepreneurs religious trip (Hajj and Umrah).
in developing and upgrading their
businesses.
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Wilayah Operasional
Operational Area
Kantor Pusat | Head Office
Menara FIF
Jalan TB. Simatupang, Kav. 15, Cilandak,
Jakarta Selatan | South Jakarta
12440, Indonesia
Telp.: +6221-769-8899
Fax.: +6221-759 055 99
Email: corpsecretary@fifgroup.astra.co.id
Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
1. Semarang KEP.169/KM.13/1991 8 Juli 1991 Jl. Pamularsih Raya No. 71, Kecamatan
July 8, 1991 Semarang Barat, Kota Semarang
2. Surabaya KEP.169/KM.13/1991 8 Juli 1991 Komplek Ruko Rajawali, Jl. Rajawali No.
July 8, 1991 68 A-B, Kelurahan Krembangan Selatan,
Kecamatan Krembangan, Kota Surabaya
3. Medan KEP-024/KM.13/1992 27 Januari 1992 Jl. Kapten Muslim No. 60 DEF, Kelurahan Sei
January 27, 1992 Sikambing, Kecamatan Medan Helvetia, Kota
Medan
4. Denpasar KEP-024/KM.13/1992 27 Januari 1992 Jl. Mahendradata No. 701, Kelurahan
January 27, 1992 Pemecutan Kaja, Kecamatan Denpasar Utara,
Kota Denpasar
5. Malang KEP-080/KM.13/1992 30 Maret 1992 Jl. Buring No. 1 Kav. 3-5, RT/RW 009/008,
March 30, 1992 Kelurahan Oro-Oro Dowo, Kecamatan Klojen,
Kota Malang
6. Palembang KEP-080/KM.13/1992 30 Maret 1992 Jl. Basuki Rahmat No. 56 C,D,E, Palembang,
March 30, 1992 Kecamatan Kemuning, Kota Palembang
7. Yogyakarta KEP-139/KM.17/1995 30 Mei 1995 Jl. HOS Cokroaminoto No. 163, Yogyakarta
May 30, 1995
8. Pekanbaru KEP-139/KM.17/1995 30 Mei 1995 Jl. Soekarno Hatta, Kel. Labuh Batu Barat,
May 30, 1995 Pekanbaru, Kecamatan Payung Sekaki, Kota
Pekanbaru
9. Bandung I KEP-139/KM.17/1995 30 Mei 1995 Jl. Rajawali Timur No. 132, Bandung,
May 30, 1995 Kecamatan Andir, Kota Bandung
10. Bekasi KEP-139/KM.17/1995 30 Mei 1995 Komplek Mitra Bekasi Blok E No. 17-18, Jl. Ir.
May 30, 1995 HH. Juanda No. 151, Bekasi, Kecamatan Bekasi
Timur, Kota Bekasi
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Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
11. Makassar KEP-422/KM.17/1995 11 Desember 1995 Jl. Cendrawasih No. 123-123A, Makassar,
December 11, 1995 Kecamatan Mariso, Kota Makassar
12. Kudus KEP-422/KM.17/1995 11 Desember 1995 Jl. Achmad Yani, Ruko Panjunan Blok A No.
December 11, 1995 3-4 Kel. Panjunan, Kecamatan Kota Kudus,
Kota Kudus
13. Depok KEP-086/KM.17/1996 16 Februari 1996 Jl. Kartini Nomor 12, Kelurahan Depok,
February 16, 1996 Kecamatan Pancoran Mas, Kota Depok,
Provinsi Jawa Barat
14. Gianyar KEP-086/KM.17/1996 16 Februari 1996 Jl. Dharma Giri No. 101, Kel. Buruan, Gianyar,
February 16, 1996 Kecamatan Gianyar, Kabupaten Gianyar
15. Klungkung KEP-086/KM.17/1996 16 Februari 1996 Jalan Brigjen Ngurah Rai No. 17, Klungkung,
February 16, 1996 Kecamatan Klungkung, Kabupaten/Kabupaten
Klungkung
16. Tegal KEP-086/KM.17/1996 16 Februari 1996 Jl Laksda Yos Sudarso Kav.20 Komplek
February 16, 1996 Ruko Nirmala Estate No.23 & 24, Kelurahan
Mintaragen, Kecamatan Tegal Timur, Kota
Tegal, Provinsi Jawa Tengah
17. Purwokerto KEP-251/KM.17/1996 8 Juli 1996 Jl. Suparjo Rustam No. 8, Purwokerto,
July 8, 1996 Kecamatan Purwokerto Selatan, Kabupaten
Banyumas
18. Sidoarjo KEP-251/KM.17/1996 8 Juli 1996 Pondok Mutiara, Jl. Pahlawan No. 9 dan
July 8, 1996 9A, Desa Jati dan Lemahputro, Sidoarjo,
Kecamatan Sidoarjo, Kabupaten Sidoarjo
19. Gresik KEP-279/KM.17/1996 14 Agustus 1996 Kartini Building, Jl. RA Kartini Blok B3 No.
August 14, 1996 236 Gresik, Kecamatan Kebomas, Kabupaten
Gresik
20. Kediri KEP-279/KM.17/1996 14 Agustus 1996 Jalan Mayor Bismo Nomor 74 C-D, Kelurahan
August 14, 1996 Semampir, Kecamatan Kota, Kabupaten Kediri
21. Pekalongan KEP-279/KM.17/1996 14 Agustus 1996 Jl. Jend Sudirman No. 157, Kel. Sapuro
August 14, 1996 Kebulen, Kecamatan Pekalongan Barat, Kota
Pekalongan
22. Karawang KEP-044/KM.17/1997 23 Januari 1997 Jl. Achmad Yani, No. 84, Karawang, Kecamatan
January 23, 1997 Karawang Barat, Kota Karawang
23. Tasikmalaya KEP-044/KM.17/1997 23 Januari 1997 JL. RE Martadinata No. 262, Kel Panyingkiran,
January 23, 1997 Tasikmalaya, Kecamatan Indihiang, Kota
Tasikmalaya
24. Mojokerto KEP-044/KM.17/1997 23 Januari 1997 Jl. Gajah Mada No. 140 D-E Mojokerto,
January 23, 1997 Kecamatan Magersari, Kota Mojokerto
25. Tangerang KEP-044/KM.17/1997 23 Januari 1997 Jl. Perintis Kemerdekaan Ruko Business Park
January 23, 1997 Tangerang City Blok E Nomor 27 Kel. Babakan,
Kecamatan Tangerang, Kota Tangerang
26. Bogor KEP-044/KM.17/1997 23 Januari 1997 Ruko Pajajaran Baru No. 28 F, Jl. Raya
January 23, 1997 Pajajaran, Bantarjati, Kecamatan Bogor Utara,
Kota Bogor
27. Pinrang Kep-044/KM.17/1997 23 Januari 1997 Jl. Jenderal Sudirman No. 162, Kel.
January 23, 1997 Maccorawalie, Pinrang
28. Tabanan KEP-052/KM.17/1997 6 Februari 1997 Jl. A. Yani no. 48, Tabanan, Kecamatan Kediri,
February 6, 1997 Kabupaten Tabanan
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Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
29. Banjarmasin KEP-052/KM.17/1997 6 Februari 1997 Jl. Gatot Subroto No.106 Rt.20 Rw.02 Kel.
February 6, 1997 Kebun Bunga, Kec. Banjarmasin Timur, Kota
Banjarmasin, Provinsi Kalimantan Selatan,
70235
30. Samarinda KEP-052/KM.17/1997 6 Februari 1997 Jl. MT Haryono Rt X, Air Putih, Kecamatan
February 6, 1997 Samarinda Ulu, Kota Samarinda
31. Balikpapan KEP-052/KM.17/1997 6 Februari 1997 Jl. Jend. Ahmad Yani N. 1 RT. 08, Kel. Gunung
February 6, 1997 Sari Ulu, Kecamatan Balikpapan Tengah, Kota
Balikpapan
32. Sukoharjo KEP-071/KM.17/1997 17 Maret 1997 Jl. Raya Solo Baru Blok AA No. 15, Solo Baru,
March 17, 1997 Sukoharjo, Kecamatan Grogol, Kabupaten
Sukoharo
33. Cilacap KEP-071/KM.17/1997 17 Maret 1997 Jl. Gatot Subroto No. 8, Cilacap, Kecamatan
March 17, 1997 Cilacap Tengah, Kabupaten Cilacap
34. Probolinggo KEP-071/KM.17/1997 17 Maret 1997 Jl. Raya Panglima Sudirman No. 229,
March 17, 1997 Kecamatan Kulon Mayangan, Kota Probolinggo
35. Binjai KEP-071/KM.17/1997 17 Maret 1997 Jl. Veteran Nomor 13 – 14 B, Kelurahan Tangsi,
March 17, 1997 Kecamatan Binjai Kota, Kota Binjai
36. Klaten Kep-071/KM.17/1997 17 Maret 1997 Jl. Cokroaminoto No. 61, Klaten
March 17, 1997
37. Madiun KEP-173/KM.17/1997 9 Mei 1997 Jalan MH Thamrin Nomor 85 C-D 87 A-B
May 9, 1997 RT 10 RW 03 Kelurahan Klegen, Kecamatan
Kartoharjo, Kota Madiun
38. Tuban KEP-173/KM.17/1997 9 Mei 1997 Jl. Veteran No. 28, Kutorejo, Kecamatan
May 9, 1997 Tuban, Kabupaten Tuban
39. Jember KEP-173/KM.17/1997 9 Mei 1997 Jl. Diponegoro No. 37 (Komplek pertokoan
May 9, 1997 Mutiara Plaza), Kecamatan Kaliwates,
Kabupaten Jember
40. Cirebon KEP-173/KM.17/1997 9 Mei 1997 Jl. Evakuasi No. 7 Sunyaragi, Kecamatan
May 9, 1997 Kesambi, Kota Cirebon
41. Blitar Kep-173/KM.17/1997 9 Mei 1997 Jl. Kalimantan No 102A RT 03/02, Kel. Karang
May 9, 1997 Tengah, Kecamatan Sananwetan, Kota Blitar
42. Tulungagung Kep-173/KM.17/1997 9 Mei 1997 Jl.Dr.sutomo No.15 kel.tertek, Kecamatan
May 9, 1997 Tulung Agung, Kabupaten Tulung Agung
43. Martapura KEP-376/KM.17/1997 15 Juli 1997 Jl. Jenderal A. Yani KM 36, Martapura,
July 15, 1997 Kecamatan Martapura, Kota Banjar
44. Serang (Cilegon) KEP-376/KM.17/1997 15 Juli 1997 Jl. Trip Jamaksari No. 1 A-B, Rt 001/ 015,
July 15, 1997 Kecamatan Serang, Kota Serang
45. Palangkaraya KEP-376/KM.17/1997 15 Juli 1997 Jl. RTA Milono KM 2,5 Palangkaraya,
July 15, 1997 Kecamatan Pahandut, Kota Palangkaraya
46. Sampit KEP-376/KM.17/1997 15 Juli 1997 Jl. MT.Haryono No.83, Kel. Mentawa Baru Hulu
July 15, 1997 Ketapang, Kec. Ketapang, Kab. Kotawaringin
Timur, Kalimantan Tengah, 74322
47. Sukabumi KEP-376/KM.17/1997 15 Juli 1997 Jl. Bhayangkara No. 37 D-E, Kecamatan
July 15, 1997 Gunung Puyuh, Kota Sukabumi
48. Singaraja KEP-376/KM.17/1997 15 Juli 1997 Jl. Jenderal A. Yani No. 99 D-E, Singaraja,
July 15, 1997 Kecamatan Buleleng, Kabupaten Buleleng
49. Kadipaten KEP-548/KM.17/1997 15 Oktober 1997 Jl. KH Abdul Halim No. 05 RT.001 RW.001, Kel.
October 15, 1997 Munjul , Kecamatan Majalengka, Kabupaten
Majalengka
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Company Profile
Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
50. Jatibarang KEP-548/KM.17/1997 15 Oktober 1997 Jl. Bypass Widasari rt.001 rw.003 Kel. Widasari,
October 15, 1997 Kecamatan Widasari, Kabupaten Indramayu
51. Banjar Kep-548/KM.17/1997 15 Oktober 1997 Jl. Mayjen Didi Kartasasmita Kel Banjar Kec
October 15, 1997 Banjar Kota Banjar
52. Lampung KEP-559/KM.17/1997 30 Oktober 1997 Jl. Teuku Umar No. 67, Kecamatan Kedaton,
October 30, 1997 Kota Bandar Lampung
53. Bengkulu KEP-559/KM.17/1997 30 Oktober 1997 Jl. S. Parman No 39, Kel. Padang Jati,
October 30, 1997 Kecamatan Gading Cempaka, Kota Bengkulu
54. Mataram KEP-559/KM.17/1997 30 Oktober 1997 Jl. Sriwijaya No. 138 C-F, Mataram, Kecamatan
October 30, 1997 Mataram, Kota Mataram
55. Jepara KEP-559/KM.17/1997 30 Oktober 1997 Jl. MT Haryono No. 57, Jepara, Kecamatan
October 30, 1997 Jepara, Kabupaten Jepara
56. Magelang KEP-559/KM.17/1997 30 Oktober 1997 Ruko Metro Square Blok C 7-9, Jl. Mayjen
October 30, 1997 Bambang Soegeng, Magelang, Kecamatan
Mertoyudan, Kabupaten Magelang
57. Blora KEP-559/KM.17/1997 30 Oktober 1997 Jl. Gatot Subroto No. 39, Blora, Kecamatan
October 30, 1997 Blora, Kabupaten Blora
58. Brebes Kep-052/KM.17/1998 18 Februari 1998 Jl. Raya Jatibarang Lor, Rt 08/03 Desa
February 18, 1998 Jatibarang Lor, Kecamatan Jatibarang,
Kabupaten Brebes
59. Purworejo Kep-052/KM.17/1998 18 Februari 1998 Jl. Brigjen Katamso No 153 A RT 1 RW 5,
February 18, 1998 Pangenrejo, Kec. Purworejo, Kabupaten
Purworejo
60. Sragen Kep-052/KM.17/1998 18 Februari 1998 Jl. RA Kartini 157 Candi Baru RT 35,
February 18, 1998 Plumbungan, Sragen
61. Banyuwangi KEP-190/KM.6/2001 24 September 2001 Jl. Achmad Yani No. 61, Banyuwangi,
September 24, 2001 Kecamatan Banyuwangi, Kabupaten
Banyuwangi
62. Lamongan KEP-190/KM.6/2001 24 September 2001 Jl. Basuki Rachmad No. 72, Lamongan,
September 24, 2001 Kecamatan Lamongan, Kabupaten Lamongan
63. Padang KEP-190/KM.6/2001 24 September 2001 Jl. Agus Salim No. 18, Padang, Kecamatan
September 24, 2001 Padang Timur, Kota Padang
64. Batam KEP-190/KM.6/2001 24 September 2001 Komplek Rafflesia Business Centre Blok A No.
September 24, 2001 11-12, Batam, Kecamatan Batam, Kota Batam
65. Jambi KEP-190/KM.6/2001 24 September 2001 Jl. Hayam Wuruk No. 136, Kelurahan Cempaka
September 24, 2001 Putih, Kecamatan Jelutung, Kota Jambi -
36124.
66. Pontianak KEP-190/KM.6/2001 24 September 2001 Jalan M. Sohor No. 17 A, Pontianak, Kecamatan
September 24, 2001 Pontianak Selatan, Kota Pontianak
67. Pare-Pare KEP-190/KM.6/2001 24 September 2001 Jl. Bau Massepe Ruko Patung pemuda, Kel.
September 24, 2001 Cappa Galung
68. Palu KEP-190/KM.6/2001 24 September 2001 Jl. Prof. Moh. Yamin Rukan D’Vatulemo Blok D
September 24, 2001 No.11/12 Kel. Lolu Utara, Kecamatan Palu Timur,
Kota Kota Palu
69. Manado KEP-190/KM.6/2001 24 September 2001 Jl. Sam Ratulangi, Wanea, Kecamatan Wanea,
September 24, 2001 Kota Manado
70. Subang KEP-190/KM.6/2001 24 September 2001 Jl. DI Panjaitan No. 79, Subang, Kecamatan
September 24, 2001 Subang, Kabupaten Subang
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Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
71. Purwodadi KEP-190/KM.6/2001 24 September 2001 Jl. R. Suprapto No. 39, Kel. Purwodadi,
September 24, 2001 Kecamatan Purwodadi, Kabupaten Grobogan
72. Payakumbuh Kep-190/KM.6/2001 24 September 2001 Jl. A. Yani No. 136, Payakumbuh
September 24, 2001
73. Jakarta KEP-270/KM.6/2002 8 November 2002 Jakarta Garden City Ruko New East No. 9, Kel.
November 8, 2002 Cakung Timur, Kec. Cakung, Jakarta Timur
74. Singkawang KEP-270/KM.6/2002 8 November 2002 JL Alianyang NO.62 A RT.059 RW.001
November 8, 2002 Kelurahan Pasiran, Kecamatan Singkawang
Barat, Kota Singkawang
75. Lumajang KEP-270/KM.6/2002 8 November 2002 Jl. Brigjen Slamet Riyadi No. 78A, Kel.
November 8, 2002 Tompokersan, Kecamatan Lumajang,
Kabupaten Lumajang
76. Selong KEP-270/KM.6/2002 8 November 2002 Jl. Prof. Mohammad Yamin No. 28, Selong,
November 8, 2002 Kecamatan Selong, Kabupaten Lombok
77. Pematang Siantar KEP-270/KM.6/2002 8 November 2002 Kompleks Megaland, Jalan Sangnawaluh
November 8, 2002 No 60-61 Kelurahan Siopat Suhu Kecamatan
Siantar Timur Kota Pematang Siantar 21139
78. Kendari KEP-270/KM.6/2002 8 November 2002 Jl. A Yani No. 62-64, Kel. Anaiwoi, Kecamatan
November 8, 2002 Kadia, Kota Kendari
79. Bojonegoro KEP-270/KM.6/2002 8 November 2002 Ruko Diponegoro Kav 4, Jl. Diponegoro
November 8, 2002 No. 1, Bojonegoro, Kecamatan bojonegoro,
Kabupaten Bojonegoro
80. Ketapang KEP-270/KM.6/2002 8 November 2002 Jalan D.I Panjaitan No. 137 Kel. Sampit,
November 8, 2002 Kecamatan Delta Pawan, Kabupaten Ketapang
81. Tanjung Pinang Kep-270/KM.6/2002 8 November 2002 Jl. DI Panjaitan KM 9 No. 16-17, Kel. Batu
November 8, 2002 Sembilan
82. Sumedang Kep-270/KM.6/2002 8 November 2002 Jl. Abdurrahman No. 154, Kel. KotaKaler
November 8, 2002
83. Kisaran KEP-482/KM.5/2004 7 Desember 2004 Jl. Prof M. Yamin No.83 A-B Kel.Kisaran Naga
December 7, 2004 Kec.Kota Kisaran Timur, Kab. Asahan
84. Kupang KEP-482/KM.5/2004 7 Desember 2004 Jl. Sudirman No. 38 C, Kupang, Kecamatan
December 7, 2004 Kota Raja, Kota Kupang
85. Jayapura KEP-482/KM.5/2004 7 Desember 2004 Gedung PT Astra International Tbk - Honda,
December 7, 2004 Jl. Raya Kelapa Dua No. 11, Entrop, Jayapura,
Kecamatan Jayapura Selatan, Kota Jayapura
86. Jakarta Barat KEP-482/KM.5/2004 7 Desember 2004 Jalan Raya Meruya Ilir No. 1 E-F, Rt 001/006,
December 7, 2004 Ruko Meruya Utara, Jakarta Barat, Kecamatan
Kembangan, Kota Jakarta Barat
87. Muara Bungo KEP-482/KM.5/2004 7 Desember 2004 Jl. Jend Sudirman No. 90-91, Pasir Putih,
December 7, 2004 Kecamatan Rimbo Tengah, Kabupaten Bungo
88. Bima KEP-482/KM.5/2004 7 Desember 2004 Jl. Kamboja No.12 A-B, Kelurahan Paruga
December 7, 2004 Kecamatan Rasanae Barat, Kota Bima, Provinsi
Nusa Tenggara Barat
89. Bukittinggi KEP-482/KM.5/2004 7 Desember 2004 Jl By Pass Aur Kuning RT/RW 02/04 Kel Aur
December 7, 2004 Kuning Bukittinggi, Kecamatan Aur Birugo Tiga
Baleh, Kota Bukittinggi
90. Rengat KEP-482/KM.5/2004 7 Desember 2004 Jl. Narasinga No. 28 B, Rengat, Kecamatan
December 7, 2004 Rengat, Kabupaten Indragiri Hulu
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91. Rantau Prapat KEP-482/KM.5/2004 7 Desember 2004 Jl. Sisingamangaraja No. 992-993, Kelurahan
December 7, 2004 Bakaran Batu, Kecamatan Rantau Selatan,
Kabupaten Labuhan Batu, Provinsi Sumatera
Utara, 21415
92. Cikarang KEP-482/KM.5/2004 7 Desember 2004 Jl. Raya Industri Jababeka No. 2 E-F, Cikarang,
December 7, 2004 Kecamatan Cikarang Utara, Kabupaten Bekasi
93. Pangkal Pinang KEP-482/KM.5/2004 7 Desember 2004 Jl. Jend. Sudirman No. 8, Pangkal Pinang,
December 7, 2004 Kecamatan Gabek Pangkal Pinang, Kota
Pangkal Pinang
94. Bandung Ii KEP-482/KM.5/2004 7 Desember 2004 Jl. Soekarno Hatta No. 681B, Kel. Jatisari,
December 7, 2004 Kecamatan Buah Batu, Kota Bandung
95. Cileungsi KEP-054/KM.5/2006 20 Februari 2006 Ruko Cileungsi Hijau Blok C No. 1 - 2, Jalan
February 20, 2006 Raya Narogong, Cileungsi, Kecamatan
Cileungsi, Kabupaten Bogor
96. Bandar Jaya KEP-054/KM.5/2006 20 Februari 2006 Jl. Proklamator Raya Komplek Ruko BBC No.
February 20, 2006 7, 8 dan 9, Bandar Jaya, Kecamatan Terbanggi
Besar, Kabupaten Lampung Tengah
97. Dumai KEP-054/KM.5/2006 20 Februari 2006 Jl. Jend. Sudirman No. 155/157, Dumai,
February 20, 2006 Kecamatan Dumai Kota, Kota Dumai
98. Banda Aceh KEP-054/KM.5/2006 20 Februari 2006 Jl T.M. Hasan No. 3-4, Kelurahan Blang Cut,
February 20, 2006 Kecamatan Lueng Bata, Kota Banda Aceh,
Provinsi Aceh, Kode Pos: 23244
99. Baturaja KEP-054/KM.5/2006 20 Februari 2006 Jl. Urip Sumoharjo No. 3A-B, Baturaja,
February 20, 2006 Kecamatan Pasar Baru, Kabupaten Baturaja
Timur
100. Lubuk Linggau KEP-054/KM.5/2006 20 Februari 2006 Jl. Yos Sudarso No. 17 - 18, Lubuk Linggau,
February 20, 2006 Kecamatan Lubuk Linggau Timur II, Kota Lubuk
Linggau
101. Bangko KEP-054/KM.5/2006 20 Februari 2006 Jln. Jend. Sudirman Km 3 Rt. 27 / Rw. 006
February 20, 2006 Kel. Pematang Kandis, Kec. Bangko, Kab.
Merangin, Prov Jambi, 37314.
102. Gorontalo KEP-054/KM.5/2006 20 Februari 2006 Jl. Nani Wartobone, Kelurahan Limba UI,
February 20, 2006 Kecamatan Kota Selatan, Kota Gorontalo,
Provinsi Gorontalo
103. Rangkasbitung KEP-111/KM.12/2006 4 Oktober 2006 Jl. Sunan Kalijaga No. 260, Rangkasbitung,
October 4, 2006 Kecamatan Rangkasbitung, Kabupaten Lebak
104. Pringsewu KEP-111/KM.12/2006 4 Oktober 2006 Jl. Ahmad Yani No. 60, Pringsewu, Kecamatan
October 4, 2006 Pringsewu, Kabupaten Pringsewu
105. Metro KEP-111/KM.12/2006 4 Oktober 2006 Jl. AH Nasution No. 95, Metro, Kecamatan
October 4, 2006 Metro Timur, Kabupaten Metro
106. Kotabumi KEP-111/KM.12/2006 4 Oktober 2006 Jl. Alamsyah Ratu Perwira Negara No. 402,
October 4, 2006 Kotabumi, Kecamatan Kotabumi, Kabupaten
Lampung Utara
107. Solok KEP-111/KM.12/2006 4 Oktober 2006 Jl. M. Yamin No. 381, Pandan Ujung, Solok,
October 4, 2006 Sumatera Barat, Kecamatan Tanjung Harapan,
Kota Solok
108. Kabupaten KEP.111/KM.12/2006 4 Oktober 2006 Jalan Kawitan 1 RT 17, Kelurahan Sidorejo,
Kotawaringin Barat October 4, 2006 Kecamatan Arut Selatan, Kabupaten
(Pangkalan Bun) Kotawaringin Barat, Pangkalanbun, Provinsi
Kalimantan Tengah
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109. Sanggau KEP-111/KM.12/2006 4 Oktober 2006 Jalan Jendral A Yani Kel. Tanjung Sekayam,
October 4, 2006 Kecamatan Kapuas, Kabupaten Sanggau
110. Tanjung KEP-111/KM.12/2006 4 Oktober 2006 Jl. Ir. Pangeran Haji Muhammad (PHM) Noor
October 4, 2006 No. 119 B, Tanjung,Kecamatan Murung Pudak,
Kabupaten Tabalong
111. Palopo KEP-111/KM.12/2006 4 Oktober 2006 Jl. Andi Djemma No. 3, Palopo, Kecamatan
October 4, 2006 Wara, Kota Palopo
112. Sumbawa KEP-111/KM.12/2006 4 Oktober 2006 Jl. Wahidin Nomor 20, Kelurahan Seketeng,
October 4, 2006 Kecamatan Sumbawa, Kabupaten Sumbawa,
Provinsi Nusa Tenggara Barat
113. Kabupaten Sikka KEP-111/KM.12/2006 4 Oktober 2006 Jalan El Tari RT 003 RW 003 Kelurahan
October 4, 2006 Madawat, Kecamatan Alok, Kabupaten Sikka,
Provinsi Nusa Tenggara Timur, Kecamatan
Alok , Kabupaten Sikka
114. Pasar Minggu KEP-199/KM.10/2007 8 Oktober 2007 Ruko Griya Pasar Minggu, Jl. Raya Pasar
October 8, 2007 Minggu No. 6, Blok C-E, Pasar Minggu,
Kecamatan Pasar Minggu, Kota Jakarta
Selatan
115. Pamulang KEP-199/KM.10/2007 8 Oktober 2007 JL. RE Martadinata, Kel. Pondok Cabe Udik,
October 8, 2007 Pamulang, Kecamatan Pamulang, Kota
Tangerang Selatan
116. Prabumulih KEP-199/KM.10/2007 8 Oktober 2007 Jl. Jend. Sudirman No. 2 B-C, Prabumulih,
October 8, 2007 Kecamatan Prabumulih Timur, Kota Prabumulih
117. Meulaboh KEP-199/KM.10/2007 8 Oktober 2007 JL. Manekro No. 36A-36B Kel. Kuta Padang,
October 8, 2007 Kecamatan Johan Pahlawan, Kabupaten
Meulaboh
118. Rimbo Bujang KEP-199/KM.10/2007 8 Oktober 2007 Jl. Pahlawan, Rimbo Bujang, Kecamatan Rimbo
October 8, 2007 Bujang, Kabupaten Tebo
119. Padang KEP-199/KM.10/2007 8 Oktober 2007 Jalan Sisingamangaraja No. 79, Padang
Sidempuan October 8, 2007 Sidimpuan, Kecamatan Padangsidimpuan
Selatan, Kota Padang sidimpuan
120. Tenggarong KEP-199/KM.10/2007 8 Oktober 2007 Jl. Patin No. 80, Tenggarong, Kecamatan
October 8, 2007 Tenggarong, Kabupaten Kutai
121. Ambon KEP-199/KM.10/2007 8 Oktober 2007 Jl. Dr. Soetomo, Kelurahan Honipopu,
October 8, 2007 Kecamatan Sirimau, Kota Ambon, Provinsi
Maluku
122. Ujung Batu KEP-134/KM.10/2008 24 Juli 2008 Jalan Jenderal Sudirman No. 11, Kelurahan
July 24, 2008 Ujung Batu, Kec. Ujung Batu, Kab Rokan Hulu,
Prov Riau
123. Lhokseumawe KEP-134/KM.10/2008 24 Juli 2008 Jl. Samudera Baru No. 170 A-B, Lhokseumawe,
July 24, 2008 Kecamatan Banda Sakti, Kota Lhokseumawe
124. Sarolangun KEP.134/KM.10/2008 24 Juli 2008 Jl. Lintas Sumatera KM I, Simpang Raya,
July 24, 2008 Sarolangun, Kecamatan Sarolangun,
Kabupaten Sarolangun
125. Luwuk KEP.134/KM.10/2008 24 Juli 2008 Jl Moh Hatta no A2 Ruko Boulevard,
July 24, 2008 Kelurahan Maahas, Kecamatan Luwuk Selatan,
Kabupaten Banggai, Prov. Sulawesi tengah
126. Cianjur KEP-52/KM.10/2009 2 April 2009 Jl. KH Abdullah Bin Nuh No. 6, Kel. Sawah
April 2, 2009 Gede, Kecamatan Cianjur, Kabupaten Cianjur
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127. Garut KEP-50/KM.10/2009 2 April 2009 Ruko Intan Bisnis Centre (IBC ) Blok A 1 dan
April 2, 2009 Blok A 2, Jl. Guntur, Garut, Kecamatan Garut
Kota, Kabupaten Garut
128. Kalianda KEP-57/KM.10/2009 2 April 2009 Jl. Raden Intan Kota Baru Nomor 24 RT. 002
April 2, 2009 RW. 001, Way Urang Kalianda, Kecamatan
Kalianda, Kabupaten Lampung Selatan
129. Lubuk Pakam KEP-55/KM.10/2009 2 April 2009 Jl. P. Diponegoro No. 103, Lubuk Pakam,
April 2, 2009 Kecamatan Lubuk Pakam, Kabupaten Deli
Serdang
130. Muara Bulian KEP-54/KM.10/2009 2 April 2009 Jl. Gajah Mada RT 07, Muara Bulian,
April 2, 2009 Kecamatan Muara Bulian, Kabupaten
batanghari
131. Purwakarta KEP-53/KM.10/2009 2 April 2009 Jl. KK Singawinata Nomor 2, Nagritengah,
April 2, 2009 Kecamatan Purwakarta, Kabupaten Purwakarta
132. Kabupaten KEP-51/KM.10/2009 2 April 2009 Jalan Lintas Palembang-Jambi KM 67 RT
Banyuasin April 2, 2009 028 RW 008, Kelurahan Betung, Kecamatan
(Sekayu) Betung, Kabupaten Banyuasin, Provinsi
Sumatera Selatan
133. Soreang KEP-56/KM.10/2009 2 April 2009 Jalan Pasir Kerenceng RT 004 RW 04
April 2, 2009 Pamekaran, Kecamatan Soreang, Kabupaten
Bandung
134. Serang KEP-552/KM.10/2011 19 Juli 2011 Jl. Trip Jamaksari No. 1 A-B, Rt 001/ 015,
July 19, 2011 Serang, Kecamatan Serang, Kabupaten
Serang
135. Batulicin KEP-553/KM.10/2011 19 Juli 2011 Jalan Raya Batulicin, Batulicin, Kecamatan
July 19, 2011 Batulicin, Kabupaten Tanah Bumbu
136. Pamekasan KEP-554/KM.10/2011 19 Juli 2011 Jalan P.Trunojoyo Nomor 121 RT 004 RW001,
July 19, 2011 Kelurahan Patemon, Kecamatan Pamekasan,
Kabupaten Pamekasan
137. Pandeglang KEP-555/KM.10/2011 19 Juli 2011 Jl. Raya Labuan KM 6, No. 4, Kp. Tajur
July 19, 2011 Kadulisung, Kecamatan Kaduhejo, Kelurahan
Palurahan, Kabupaten Pandeglang, Provinsi
Banten
138. Tulang Bawang KEP-556/KM.10/2011 19 Juli 2011 Pertokoan Banjar Agung Unit 2, Jl. Raya Lintas
July 19, 2011 Timur Unit 2, Tulang Bawang, Kecamatan
Banjar Agung, Kabupaten Tulang Bawang
139. Salatiga KEP-557/KM.10/2011 19 Juli 2011 Jl. Fatmawati, No. 188 Blok N-O, Kel.
July 19, 2011 Blotongan, Kecamatan Sidorejo, Kota Salatiga
140. Cikupa KEP-558/KM.10/2011 19 Juli 2011 Ruko Grand Boulevard Blok T 01A No. 155
July 19, 2011 - 157 Citraraya, Desa Ciakar, Kecamatan
Panongan, Kabupaten Tangerang
141. Ciledug KEP-559/KM.10/2011 19 Juli 2011 Jl. Hos Cokroaminoto No. 5 A-B, Kecamatan
July 19, 2011 Ciledug, Kota Tangerang
142. Sorong KEP-560/KM.10/2011 19 Juli 2011 Jalan Basuki Rahmat KM.10 Kelurahan
July 19, 2011 Sawagumu, Kecamatan Sorong Utara, Kota
Sorong
143. Pondok Gede KEP-561/KM.10/2011 19 Juli 2011 Jl. Raya Jati Makmur (Bukit Kencana), Kel.
July 19, 2011 Jati Makmur, Kecamatan Pondok Gede, Kota
Bekasi
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144. Gowa KEP-562/KM.10/2011 19 Juli 2011 Jl. Tumanurung Raya, Ruko Yasmin Square No.
July 19, 2011 10-11 Sungguminasa, Kel. Pandang-pandang,
Kec. Somba Opu, Kab. Gowa, Prov. Sulawesi
Selatan.
145. Rungkut KEP-563/KM.10/2011 19 Juli 2011 Jl. Jemursari Nomor 32 RT:002/RW:008,
July 19, 2011 Kecamatan Wonocolo, Kota Surabaya
146. Bungur KEP-564/KM.10/2011 19 Juli 2011 Jalan Kartini Raya Nomor 9 Kelurahan Pasar
July 19, 2011 Baru, Kecamatan Sawah Besar, Kota Jakarta
Pusat
147. Taman Palem KEP-565/KM.10/2011 19 Juli 2011 Mutiara Taman Palem Blok A2 No. 1, Jakarta
July 19, 2011 Barat, Kecamatan Cengkareng, Kota Jakarta
Barat
148. Bangkalan KEP-566/KM.10/2011 19 Juli 2011 Ruko Graha Metro No. 5-6, Jl. Pemuda Kaffa,
July 19, 2011 Bangkalan, Kecamatan Burneh, Kabupaten
Bangkalan
149. Tarakan KEP-859/KM.10/2011 30 Nopember 2011 Jl. Mulawarman No. 89,Kel. Karanganyar,
November 30, 2011 Kecamatan Tarakan Barat, Kota Tarakan
150. Kepanjen KEP-860/KM.10/2011 30 Nopember 2011 Jl. Kawi No. 10 B, Ruko Kepanjen City,
November 30, 2011 Kepanjen, Kecamatan Kepanjen, Kabupaten
Malang
151. Praya KEP-861/KM.10/2011 30 Nopember 2011 Jl. Diponegoro No 5 Kauman Praya,
November 30, 2011 Kecamatan Praya, Kelurahan Praya, Kabupaten
Lombok Tengah, Provinsi Nusa Tenggara
Barat, Kode Pos 83511
152. Kuta KEP-862/KM.10/2011 30 Nopember 2011 Jl. Raya Kuta No. 29A, Kuta, Kecamatan Kuta,
November 30, 2011 Kabupaten Badung
153. Cibinong KEP-863/KM.10/2011 30 Nopember 2011 Rukan Cibinong City Centre Blok F Nomor
November 30, 2011 33-35, Jl. Tegar Beriman No. 1, Cibinong,
Kecamatan Cibinong, Kabupaten Bogor
154. Tembung KEP-864/KM.10/2011 30 Nopember 2011 Jl. Besar Tembung Komplek Mega City, Blok
November 30, 2011 B/7-8 Dusun III Desa Tembung, Kecamatan
Percut Sei Tuan, Kabupaten Deli Serdang
155. Muara Enim KEP-865/KM.10/2011 30 Nopember 2011 Jl. Sultan Mahmud Badarrudin II, Muara Enim,
November 30, 2011 Kecamatan Muara Enim, Kabupaten Muara
Enim
156. Padalarang KEP-866/KM.10/2011 30 Nopember 2011 Jalan Raya Ciburuy No. 105, Padalarang,
November 30, 2011 Kecamatan Padalarang, Kabupaten Bandung
Barat
157. Pemalang KEP-867/KM.10/2011 30 Nopember 2011 Jl. Jenderal Sudirman Timur No. 77B,
November 30, 2011 Pemalang, Kecamatan Taman, Kabupaten
Pemalang
158. Kendal KEP-868/KM.10/2011 30 Nopember 2011 Jl. Pemuda Timur Nomor 21 RT. 20 RW. 05,
November 30, 2011 Kecamatan Kendal, Kabupaten Kendal
159. Kota Pasuruan KEP-869/KM.10/2011 30 Nopember 2011 Jalan Soekarno Hatta No. 55-57, Kelurahan
November 30, 2011 Trajeng, Kecamatan Panggungrejo, Kota
Pasuruan
160. Poso KEP-16/KM.10/2012 17 Januari 2012 Jl. Pulau Bali No. 4, Poso, Kecamatan Poso
January 17, 2012 Kota, Kabupaten Poso
161. Simpang Empat KEP-17/KM.10/2012 17 Januari 2012 Batang Toman Simpang Gardu, Simpang
January 17, 2012 Empat Selatan, Kelurahan Nagari Lingkuang
Aua, Kecamatan Pasaman, Kabupaten
Pasaman Barat, Sumatera Barat 26566.
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License Number License Date
162. Palur KEP-18/KM.10/2012 17 Januari 2012 Jl. Raya Palur KM 0,5 No. 46A, Palur,
January 17, 2012 Kecamatan Jaten, Kabupaten Karanganyar
163. Cikampek KEP-19/KM.10/2012 17 Januari 2012 Jl. Ir. H. Juanda No. 9, Cikampek, Kecamatan
January 17, 2012 Kotabaru, Kabupaten Karawang
164. Sintang KEP-309/NB.11/2013 20 Desember 2013 Jalan MT Haryono No. 1, Sintang, Kecamatan
December 20, 2013 Sintang, Kabupaten Sintang
165. Sibolga KEP-310/NB.11/2013 20 Desember 2013 Jl. Lintas Padangsidempuan, Komplek Suko
December 20, 2013 Sibuluan Center No. A7-A8, Kelurahan
Sibuluan Raya, Kecamatan Pandan, Kabupaten
Tapanuli Tengah
166. Mempawah KEP-311/NB.11/2013 20 Desember 2013 Jl Jurusan Pontianak No 188d Rt.005 Rw.003,
December 20, 2013 Kelurahan Sungai Pinyuh Kecamatan Sungai
Pinyuh Kabupaten Mempawah Kode Pos
78353
167. Sidoarjo 2 KEP-312/NB.11/2013 20 Desember 2013 Jl. Raya By Pass Krian, Ruko By Pass, Desa
December 20, 2013 Sidomulyo, Kecamatan Krian, Kabupaten
Sidoarjo
168. Jatiuwung KEP-313/NB.11/2013 20 Desember 2013 Jl. Otista Raya Ruko Otista No. 5 D-E,
December 20, 2013 Jatiuwung, Kecamatan Karawaci, Kota
Tangerang
169. Jakarta Utara Kep-232/NB.111/2015 30 Juli 2015 Komplek Perkantoran Royal Sunter, Jl. Danau
July 30, 2015 Sunter Selatan Blok A no. 5-6, Kel. Sunter
Jaya, Kecamatan Tanjung Priok, Kota Jakarta
Utara
170. Serang II Kep-233/NB.111/2015 30 Juli 2015 Ruko Kawasan Industri Modern Blok A No. 6-7,
July 30, 2015 Serang, Kecamatan Kibin, Kabupaten Serang
171. Depok II Kep-234/NB.111/2015 30 Juli 2015 Jl. Alternatif Cibubur - Cileungsi Komp.
July 30, 2015 Harapan Permai No. 9A, Depok, Kecamatan
Cimanggis, Kota Depok
172. Muko-Muko Kep-235/NB.111/2015 30 Juli 2015 Jl. Fatmawati, Muko-Muko, Kecamatan Kota
July 30, 2015 Muko Muko, Kota Muko Muko
173. Palembang II Kep-302/NB.111/2015 25 September 2015 Jl. Ahmad Yani Rt 31/01 Kel. Tangga Takat,
September 25, 2015 Kecamatan Sebrang Ulu II, Kota Palembang
174. Kebumen Kep-303/NB.111/2015 26 September 2015 JL HM SARBINI RT 07 RW 02 BUMIREJO,
September 26, 2015 Kecamatan Kebumen, Kabupaten Kebumen
175. Bandung Barat Kep-305/NB.111/2015 2 oktober 2015 Jl. Grand Hotel kavling 9 RT/RW 003/002 Kel
October 2, 2015 Lembang, Kecamatan Lembang, Kabupaten
Bandung Barat
176. Langsa Kep-316/NB.111/2015 26 Oktober 2015 Jl. Ahmad Yani No. 88, Langsa, Kecamatan
October 26, 2015 Langsa Barat, Kota Langsa
177. Kuantan Singingi Kep-317/NB.111/2015 26 Oktober 2015 Jl. Proklamasi No. 30, Kuantan Singingi,
October 26, 2015 Kecamatan Kuantan Tengah, Kabupaten
Kuantan Sengingi
178. Depok III Kep-315/NB.111/2015 jo Kep- 26 Oktober 2015 Jalan Raya Swangan RT 05/03, Kelurahan
360/NB.111/2015 October 26, 2015 Rangkapan Jaya Baru, Kecamatan Pancoran
Mas, Kota Depok
179. Rokan Hilir Kep-356/NB.111/2015 20 Oktober 2015 Jl. Jenderal Sudirman KM. 1, Kel. Bagan Batu,
October 20, 2015 Kecamatan Bagan Sinembah, Kabupaten
Rokan Hilir
180. Pati Kep-366/NB.111/2015 15 Desember 2015 Ruko Joyo Kusumo, No. 1-2, Desa Winong,
December 15, 2015 Kecamatan Pati, Kabupaten Pati
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181. Ponorogo Kep-367/NB.111/2015 15 Desember 2015 Jl. Ir. Juanda No. 8-9, Ponorogo, Kecamatan
December 15, 2015 Ponorogo, Kabupaten Ponorogo
182. Banjarnegara Kep-370/NB.111/2015 17 Desember 2015 Jl. Mayjend Sutoyo Nomor 40, Banjarnegara,
December 17, 2015 Kecamatan Banjarnegara, Kabupaten
Banjarnegara
183. Medan II Kep-52/NB.11/2016 11 Februari 2016 Jln. Marelan Raya, Komp. Ruko Griya Niaga
February 11, 2016 B6/B7 No 40 F-G, Marelan, Kecamatan Medan
Marelan, Kota Medan
184. Sleman Kep-53/NB.11/2016 11 Februari 2016 Jl. Affandi CT 10 No 35, Karang Gayam, Catur
February 11, 2016 Tunggal, Kec. Depok Kab. Sleman, Provinsi
Daerah Istimewa Yogyakarta, Kecamatan
Depok, Kabupaten Sleman
185. Pelalawan Kep-54/NB.11/2016 11 Februari 2016 Jalan Lintas Timur, Pelalawan, Kecamatan
February 11, 2016 Pangkalan Kerinci Kota, Kabupaten Pelalawan
186. Subang II Kep-26/NB.111/2016 17 Maret 2016 Jalan Ion Martasasmita Dusun Pangadangan
March 17, 2016 RT 013 RW 05 Ds Rancasari Kec Pamanukan
Kab Subang, Kecamatan Pamanukan,
Kabupaten Subang
187. Maros Kep-27/NB.111/2016 17 Maret 2016 Jalan Poros Maros Makassar KM 7-8 Kel.
March 17, 2016 Bontoa, Kecamatan Mandai, Kabupaten Maros
188. Bekasi II Kep-28/NB.111/2016 17 Maret 2016 Jalan Jenderal Sudirman Nomor 99, Kelurahan
March 17, 2016 Kranji, Jawa Barat, Kecamatan Bekasi
Barat,Kota Bekasi
189. Denpasar II Kep-29/NB.111/2016 17 Maret 2016 Jl. Tukad Batanghari No 37 Kel Panjer, Kec
March 17, 2016 Denpasar Selatan, Kota Denpasar
190. Jombang Kep-30/NB.111/2016 17 Maret 2016 Jalan Soekarno Hatta, Ruko Cempaka Mas
March 17, 2016 Blok A1-A2, Desa Babatan Kepuhkembeng,
Kecamatan Peterongan, Kabupaten Jombang
191. Surabaya 2 Kep-150/NB.111/2016 2 Agustus 2016 Jalan Dharmahusada Indah 75-B RT 003
August 2, 2016 RW 09 Kelurahan Mulyorejo, Kecamatan
Mulyorejo, Kota Surabaya
192. Surabaya 3 Kep-179/NB.111/2016 8 September 2016 Jalan Raya Satelit Indah Utara Nomor 52-52A
September 8, 2016 RT.006 RW.003 Kelurahan Tanjung Sari,
Kecamatan Sukomanunggal, Kota Surabaya
193. Sukabumi II Kep-180/NB.111/2016 8 September 2016 Jl Cangehgar RT02 RW02 Kelurahan
September 8, 2016 Palabuhanratu, Kecamatan Pelabuhan Ratu,
Kabupaten Sukabumi
194. Jakarta Pusat 2 Kep-73/NB.111/2017 24 Mei 2017 Jl. Pramuka No. 12 Rt 012/005, Kel. Rawasari,
May 24, 2017 Kecamatan Cempaka Putih, Kota Jakarta Pusat
195. Sleman II Kep-181/NB.111/2017 8 September 2017 Jl. Raya Magelang Km 4, Kel. Padukuhan
September 8, 2017 Rogoyudan, Desa Sinduadi, Kecamatan Melati,
Kabupaten Sleman
196. Jakarta Utara II Kep-112/NB.111/2018 23 Januari 2018 Ruko Permata Kota Blok L No. 5, Jl.
January 23, 2018 Tubagus No. 170, Kel. Pejagalan, Kecamatan
Penjaringan, Kota Jakarta Utara
197. Gresik II Kep-113/NB.111/2018 23 Januari 2018 Ruko Gading Mutiara Permai Blok AB No. 5
January 23, 2018 Desa Kepatihan , Kecamatan Menganti, Kota
Gresik
198. Situbondo Kep-114/NB.111/2018 23 Januari 2018 Jl. Wijaya Kusuma Kel. Dawuhan, Kecamatan
January 23, 2018 Situbondo, Kabupaten Situbondo
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Company Profile
Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
199. Jakarta Selatan II Kep-115/NB.111/2018 23 Januari 2018 RS. Fatmawati Blok A No. 1E-1F, Ruko Graha
January 23, 2018 Fatmawati, Kel. Cilandak Barat, Kecamatan
Cilandak, Kota Jakarta Selatan
200. Tangerang V Kep-111/NB.111/2018 23 Januari 2018 Ruko The Icon Busiess Park Blok A No. 1-2
January 23, 2018 BSD City, Desa Sampora, Kecamatan Cisauk,
Kabupaten Tangerang
201. Bekasi III Kep-305/NB.111/2018 23 Agustus 2018 Jalan Teuku Umar Nomor 20, Kel. Telaga Asih,
August 23, 2018 Jawa Barat, Kecamatan Cibitung, Kabupaten
Bekasi
202. Bogor II Kep-306/NB.111/2018 23 Agustus 2018 Ruko Pusri, Jalan Raya Cemplang Galuga
August 23, 2018 Km.18, Jawa Barat, Kecamatan Cibungbulang,
Kabupaten Bogor
203. Karawang II Kep-351/NB.111/2018 17 September 2018 Jalan Proklamasi Jati Ilir, Kelurahan
September 17, 2018 Tunggakjati, Jawa Barat, Kecamatan Karawang
Barat, Kabupaten Karawang
204. Temanggung Kep-352/NB.111/2018 17 September 2018 Jalan Jendral Sudirman, Ruko Yudha nomor
September 17, 2018 01-02 Kel. Cublikan Kowangan, Kecamatan
Temanggung , Kabupaten Temanggung
205. Kabupaten Kep-472/NB.111/2018 20 Desember 2018 Ruko Riviera Perumahan Palem Semi, Jl. Palem
Tangerang VI December 20, 2018 Raja Raya Selatan No 28, Kel. Bencongan,
Kecamatan Kelapa Dua, Kabupaten Tangerang
206. Kabupaten Kep-80/NB.111/2019 29 Mei 2019 jalan Bhayangkara No. 251 Desa Jenang,
Cilacap II May 29, 2019 Kecamatan Majenang, Kabupaten Cilacap
207. Kota Pontianak II Kep-81/NB.111/2019 29 Mei 2019 Jl. Tanjung Raya 2, Kelurahan Banjar Serasan,
May 29, 2019 Kecamatan Pontianak Timur, Kota Pontianak,
Kalimantan Barat, 78233
208. Kabupaten Kep-82/NB.111/2019 29 Mei 2019 Ruko The Orchard Blok I 1 No. 3,5,6 Taman
Pasuruan II May 29, 2019 Dayu, Kelurahan Karang Jati Kecamatan
Pandaan Kabupaten Pasuruan
209. Kabupaten Kep-91/NB.111/2019 24 Juni 2019 Jl. Batang Tuaka, Desa Tembilahan Kota, Prov
Indragiri Hilir June 24, 2019 Riau, Kecamatan Tembilahan, Kabupaten
Indragiri Hilir
210. Kota Bogor III Kep-92/NB.111/2019 24 Juni 2019 Jl. Raya Ciawi Sukabumi KM. 2, Warung
June 24, 2019 Nangka No. 10-11, Kel. Harjasari, Kecamatan
Bogor Selatan, Kota Bogor
211. Kota Semarang II Kep-93/NB.111/2019 24 Juni 2019 Jl. Sriwijaya No. 43A Rt. 001/013, Kel Tegalsari,
June 24, 2019 Kecamatan Candisari, Kota Semarang
212. Kabupaten Kep-94/NB.111/2019 24 Juni 2019 Cikarang Central City, Jl. Raya Cibarusah,
Bekasi IV June 24, 2019 Desa Ciantra, Kecamatan Cikarang Selatan,
Kabupaten Bekasi
213. Kota Batang Kep-95/NB.111/2019 24 Juni 2019 Jl. Pemuda Ruko Villa Mutiara, Kel. Kauman,
June 24, 2019 Kecamatan Batang, Kota Batang
214. Kabupaten Kep-88/NB.111/2019 25 Juni 2019 Jl. MT Haryono Nomor 03, Kelurahan Api-
Bontang June 25, 2019 Api, Kecamatan Bontang Utara, Kabupaten
Bontang
215. Kota Pemalang II Kep-105/NB.111/2019 12 Juli 2019 Jalan Jenderal Sudirman Timur, RT.050,
July 12, 2019 RW.005, Desa Randudongkal, Jawa Tengah,
Kecamatan Randudongkal, Kota Pemalang
216. Kabupaten Ngawi Kep-106/NB.111/2019 12 Juli 2019 Jalan Panglima Sudirman No. 73A, Kelurahan
July 12, 2019 Margomulyo, Jawa Timur, Kecamatan Ngawi,
Kabupaten Ngawi
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Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
217. Kota Bandung III Kep-107/NB.111/2019 12 Juli 2019 Jalan Kopo 436A, Kelurahan Babakan Ciparay,
July 12, 2019 Jawa Barat, Kecamatan Babakan Ciparay, kota
Bandung
218. Kota Cimahi Kep-108/NB.111/2019 12 Juli 2019 Jalan HMS Mintaredja Komplek Town Place
July 12, 2019 A - 11, kelurahan Baros, Jawa Barat, Kecamatan
Cimahi Tengah, Kota Cimahi
219. Kabupaten Kep-109/NB.111/2019 12 Juli 2019 Jalan Diponegoro 258, desa Jatisawit, Jawa
Brebes II July 12, 2019 Tengah, Kecamatan Bumiayu, Kabupaten
Brebes
220. Kabupaten Kep-166/NB.111/2019 11 Oktober 2019 Jaln Raya Singosari Regency Blok A1-A2, Kel.
Malang II October 11, 2019 Pagentan, Jawa Timur, Kecamatan Singosari,
Kabupaten Malang
221. Kabupaten Kep-167/NB.111/2019 11 Oktober 2019 Jalan Lurah Surodarmo No. 1, Desa Bogo,
Nganjuk October 11, 2019 Jawa Timur, Kecamatan Nganjuk, Kabupaten
Nganjuk
222. Kabupaten Kep-168/NB.111/2019 11 Oktober 2019 Jalan KH. Agus Salim, No. 114, Ledoksari,
Gunung Kidul October 11, 2019 Kelurahan Kepek, DIY, Kecamatan Wonosari,
Kabupaten Gunung Kidul
223. Kabupaten Tanjung Kep-169/NB.111/2019 11 Oktober 2019 Jalan Prof Dr Sri Soedewi, kel Tungkal
Jabung Barat October 11, 2019 Harapan, Prov. Jambi, Kecamatan Tungkal Ilir,
Kabupaten Tanjung Jabung
224. kabupaten Kep-181/NB.111/2019 24 Oktober 2019 Jl. Hang Tuah No. 100-101 Duri Rt.03 Rw.06
Bengkalis October 24, 2019 Kelurahan Air Jamban, Kecamatan Mandau,
Kabupaten Bengkalis Duri Riau
225. Kabupaten Kep-193/NB.111/2019 4 November 2019 Jl. MT Haryono No. 19, Kel. Kandanggampang,
Purbalingga November 4, 2019 Prov Jawa Tengah, Kecamatan Purbalingga,
Kabupaten/ Purbalingga
226. Kota Batu Kep-194/NB.111/2019 4 November 2019 Jl. Semeru No. 20, Kel. Sisir, Prov Jawa Timur,
November 4, 2019 Kecamatan Batu, Kota Batu
227. Kota Bitung Kep-195/NB.111/2019 4 November 2019 Jalan Piere Tendean, Desa Manembo-Nembo,
November 4, 2019 Prov. Sulawesi Utara, Kecamatan Matuari, Kota
Bitung
228. Kabupaten Kep-196/NB.111/2019 4 November 2019 Jalan Raya Tebel 146 RT 003 RW 002, Desa
Sidoarjo III November 4, 2019 Tebel, Kec Gedangan, Kab Sidoarjo , Jawa
Timur, Kecamatan Gedangan, Kabupaten
Sidoarjo
229. Kabupaten Kep-201/NB.111/2019 7 November 2019 Jalan Raya Serang KM 24, Ruko Balaraja,
Tangerang VII November 7, 2019 Kp. Telaga, Desa Telagasari, Prov. Banten,
Kecamatan Balaraja, Kabupaten Tangerang
230. Kabupaten Paser Kep-267/NB.111/2019 4 Desember 2019 Jalan RM. Noto Sunardi RT 007/005, Kel.
December 4, 2019 Tanah Grogot, Prov. Kalimantan Timur,
Kecamatan Tanah Grogot, Kabupaten Paser
231. Kabupaten Karo Kep-268/NB.111/2019 4 Desember 2019 Jl. Veteran no 59A, Kel. Kampung Dalam,
December 4, 2019 Prov. Sumatera Utara, Kecamatan Kabanjahe,
Kabupaten Karo
232. Kabupaten Aceh Kep-269/NB.111/2019 4 Desember 2019 Jalan Medan-Banda Aceh No. 3A, Desa Tanoh
Timur December 4, 2019 Anou, Prov. Aceh, Kecamatan Idi Rayeuk,
Kabupaten Aceh Timur
233. Kabupaten Kep-270/NB.111/2019 4 Desember 2019 Jalan Pahlawan No. 30, Desa Arjawinangun,
Cirebon II December 4, 2019 Prov. Jawa Barat, Kecamatan Arjawinangun,
Kabupaten Cirebon
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Profil Perusahaan
Company Profile
Nomor Izin Tanggal Izin
Kantor Cabang Kantor Cabang Kantor Cabang Alamat Lengkap Kantor Cabang
No.
Branch Office Branch Office Branch Office Branch Office Address
License Number License Date
234. Kabupaten Mimika Kep-44/NB.111/2020 11 Februari 2020 Jl. Budi Utomo Mimika Baru, Kabupaten
February 11, 2020 Mimika, Papua
235. Kabupaten Bangka Kep-45/NB.111/2020 11 Februari 2020 Ruko Permata Indah Blok B No 3-5, Jalan
February 11, 2020 Jenderal Sudirman, Kelurahan Sungai Liat,
Kepulauan Bangka Belitung, Kecamatan
Sungai Liat, Kabupaten Bangka
236. Semarang III Kep-46/NB.111/2020 11 Februari 2020 Jalan Arteri Soekarno Hatta No. 74,
February 11, 2020 Kelurahan Palebon, Jawa Tengah, Kecamatan
Pedurungan,s Kota Semarang
237. Padang II Kep-47/NB.111/2020 14 Februari 2020 Jalan Adinegoro Nomor 27, RT.002, RW. 004,
February 14, 2020 Kelurahan Bungo Pasang, Sumatera Barat,
Kecamatan Koto Tangah, Kota Padang
238. Mamuju Kep-48/NB.111/2020 14 Februari 2020 Jalan Jend. Sudirman, Desa Simboro, Sulawesi
February 14, 2020 Barat, Kecamatan Simboro dan Kepulauan,
Kabupaten Mamuju
239. Bandung IV Kep-49/NB.111/2020 14 Februari 2020 Jl Raya Tagog No. 295 Rt 003/002, Desa
February 14, 2020 Cimekar, Kecamatan Cileunyi, Kabupaten
Bandung, Provinsi Jawa Barat
240. Grobogan Kep-50/NB.111/2020 14 Februari 2020 Jalan A. Yani Nomor 31 Ruko Blok F, Kelurahan
February 14, 2020 Gubug, Jawa Tengah, Kecamatan Gubug,
Kabupaten Grobogan
241. Lombok Barat Kep-51/NB.111/2020 14 Februari 2020 Jl Raya Dr Sutomo, Desa Beleka, Kecamatan
February 14, 2020 Gerung, Kabupaten Lombok Barat
242. Bogor IV Kep-310/NB.111/2021 17 Nopember 2021 Jl Raya Parung Bogor Kp. Jati Parung RT002
February 14, 2020 RW006 Desa Parung, Kecamatan Parung ,
Kabupaten Bogor
243. Kota Kotamobagu Kep-311/NB.111/2021 17 Nopember 2021 Jl. Datoe Binangkang (Depan Dealer Hasrat
November 17, 2021 Abadi) Kelurahan Kotamobagu Kecamatan
Kotamobagu Barat Kota Kotamobagu 95711
244. Kota Batam 2 KEP-51/PL.021/2023 13 Oktober 2023 Ruko Villa Muka Kuning Blok A1 Nomor 14,
October 13, 2023 Jalan Letjend Soeprapto, Kelurahan Tembesi,
Kecamatan Sagulung, Kota Batam, Prov
Kepulauan Riau
245. Kota Pekanbaru 2 KEP-52/PL.021/2023 13 Oktober 2023 Jalan HR Soebrantas Nomor 92, Tampan Kota
October 13, 2023 Pekanbaru
246. Kota Subulussalam KEP-85 PL.021 2023 14 Nopember 2023 Jalan T Umar DS. Penangkalan Samping
November 14, 2023 Swalayan Sejahtera, Kota Subulussalam, Prov
Aceh
247. Kota Ternate KEP-96 PL.021 2023 24 Nopember 2023 Jalan Merdeka, Gamalama, Kecamatan
November 24, 2023 Ternate Tengah, Kota Ternate, Prov Maluku
Utara
248. Kota Palembang III KEP-97 PL.021 2023 24 Nopember 2023 Jalan Sultan Mahmud Badaruddin II Nomor 16,
November 24, 2023 Sukodadi, Kecamatan Alang-Alang Lebar, Kota
Palembang, Sumatera Selatan
249. Kabupaten Berau KEP-74/PL.021/2024 24 Juni 2024 Jalan Pramuka 58-54, kelurahan lamokato,
June 24, 2024 Kecamatan Kolaka, Kab Kolaka, Sulawesi
Tenggara
250. Kabupaten Kolaka KEP-86/PL.021/2024 11 Juli 2024 Jalan Pemuda, Kelurahan Tanjung Redeb , Kec
July 11, 2024 tanjung Redeb
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Struktur Organisasi
Organizational Structure
Proses penyesuaian struktur organisasi pada lingkup Perseroan dilakukan secara berkala dengan tujuan untuk menjaga
relevansi organisasi dengan tujuan strategis, kebijakan usaha, serta menyesuaikan ukuran, kompleksitas, dan kapasitas yang
dimiliki. Selain itu, langkah ini juga dilakukan sebagai salah satu upaya untuk mematuhi ketentuan regulasi yang berlaku serta
merespons dinamika industri pembiayaan. Dengan melakukan penyesuaian atau refreshment pada struktur organisasi secara
berkala, Perseroan dapat mempertahankan sistem kerja top-down yang efektif dan menjalankan proses bisnis yang efisien.
Berdasarkan Surat Keputusan Direksi No. 023/FIF/SK-DIR/HOD/X/2024, Perseroan menetapkan struktur organisasi terbaru
yang berlaku per 31 Desember 2024 sebagaimana dijelaskan pada bagan berikut ini:
Dewan Sharia | Sharia Supervisory Board Komisaris | Board of Commissioners
Anggota | Member : Aminudin Yakub President Commissioner : Suparno Djasmin
Commissioner : Thomas Junaidi Alim Wijaya
Independent Commissioner : R. Nunu Soetjahja Noegroho
Independent Commissioner : Gede Harja Wasistha
Direksi | Board of Directors
President Director : Siswadi
Director : Indra Gunawan
Director : Setia Budi
Director : Sri Harjati
Director : Valentina Chai Wei Li
Director : Daniel Hartono
President Director
Director in Charge Director in Charge Director in Charge
New Motorcycle (NMC) Credit, Collateral, Insurance, and Fiducia Human
Financing Regional I Division Management Division Capital Division
New Motorcycle (NMC) Collection, Remedial & General Support, Security &
Financing Regional II Division Recovery Management Division Building Management Division
Network & Inventory Corcomm, EHSSR &
Management Division Sustainability Management Division
Regional I Multi Purposed Financing (MPF)
Management Division Marketing Division
Regional II
Management Division
Used Motorcycle
Financing (UFI) Division
Microfinancing
Division
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Profil Perusahaan
Company Profile
The process of adjusting the organizational structure within the Company is carried out periodically to maintain the relevance
of the organization to strategic objectives, business policies, and to adapt to its size, complexity, and capacity. Furthermore,
this measure is also taken as an effort to comply with applicable regulatory requirements and respond to the dynamics of
the financing industry. By regularly making adjustments or refreshments to the organizational structure, the Company can
maintain an effective top-down workflow system and ensure efficient business processes.
Based on the Decree of the Board of Directors No. 023/FIF/SK-DIR/HOD/X/2024, the Company established the latest
organizational structure effective as of December 31, 2024, as illustrated in the chart below:
Komite Audit | Audit Committee
Ketua | Chairman : Gede Harja Wasistha
Anggota | Member : Hardi Montana
Anggota | Member : Juliani Eliza Syaftari
Komite Pemantau Risiko | Risk Monitoring Committee
Ketua | Chairman : R. Nunu Soetjahja Noegroho
Anggota | Member : Hardi Montana
Anggota | Member : Juliani Eliza Syaftari
Komite Remunerasi & Nominasi | Remuneration & Nomination Committee
Ketua | Chairman : R. Nunu Soetjahja Noegroho
Anggota | Member : Suparno Djasmin
Anggota | Member : Arlien Virginia Jonathan
Director in Charge Director in Charge Corporate Functions
• Compliance, Standardization & Anti Fraud
Management
• Internal Audit Division
Finance & Information
• Corporate Secretary, Legal & Litigation
Treasury Division Technology Division
Division
Budget, Accounting & Business Development &
Tax Division Corporate Planning Division
Customer Relationship Management &
Digital Division
Risk Management
Division
Sharia Financing
Marketing Division
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Daftar Keanggotaan Asosiasi
List of Association Membership
Dalam rangka memperluas jaringan bisnis dan kemitraan, To expand its business network and partnerships, the
Perseroan secara aktif terlibat di berbagai asosiasi Company is actively involved in various professional
profesional dan organisasi yang relevan dengan bidang associations and organizations relevant to the financing
usaha pembiayaan. Keterlibatan tersebut memungkinkan business. Such involvement allows the Company to explore
Perseroan untuk mengeksplorasi peluang kolaborasi dengan collaboration opportunities with stakeholders from diverse
para pemangku kepentingan dari berbagai latar belakang backgrounds to foster a healthy and sustainably growing
untuk mewujudkan hadirnya industri multifinance yang sehat multifinance industry.
dan tumbuh berkelanjutan.
Hingga akhir 2024, FIFGROUP tercatat sebagai anggota Until the end of 2024, FIFGROUP is listed as an active
aktif di sejumlah asosiasi dan organisasi berikut ini: member in the following associations and organizations:
Nama Organisasi Status Anggota
Name of Organization Membership Status
Asosiasi Perusahaan Pembiayaan (APPI) Aktif
Indonesia Finance Services Association Active
PT Rapi Utama Indonesia (Rapindo) Aktif
Active
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK) Aktif
Alternative Dispute Resolution Agencies in Financial Services Sector (LAPS SJK) Active
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Profil Perusahaan
Company Profile
Informasi Perubahan Komposisi Direksi Tahun 2024
Information on Changes in the Composition of the Board of Directors in 2024
Pada tahun 2024, komposisi Direksi mengalami perubahan In 2024, the composition of the Board of Directors changed
setelah pemegang saham mengangkat Presiden Direktur after the shareholders appointed a new President Director
baru dan menunjuk serta mengangkat kembali anggota and appointed and reappointed members of the Board
Direksi yang masa jabatannya telah berakhir. Pengangkatan of Directors whose terms of office had ended. The
tersebut ditetapkan melalui keputusan Rapat Umum appointments were made through a resolution of the Annual
Pemegang Saham Tahunan (RUPST) yang diselenggarakan General Meeting of Shareholders (AGMS) held on April 19,
pada tanggal 19 April 2024. Informasi detail mengenai 2024. Detailed information regarding these changes is
perubahan ini dapat dilihat pada tabel berikut: shown in the following table:
Komposisi Direksi 1 Januari 2024 – 19 April 2024
Board of Directors Composition in January 1, 2024 – April 19, 2024
Nama Jabatan Dasar Pengangkatan
Name Position Legal Basis of Appointment
Margono Tanuwijaya Presiden Direktur Akta Pernyataan Keputusan Para Pemegang Saham
President Director No. 41 tanggal 26 April 2022.
Shareholders Resolutions Deed No. 41 dated April 26, 2022.
Indra Gunawan Direktur
Director
Setia Budi Direktur
Director
Sri Harjati Direktur
Director
Valentina Chai Wei Li Direktur Akta Pernyataan Keputusan Rapat No. 31 tanggal 13 April 2023.
Director Shareholders Resolutions Deed No. 31 dated April 13, 2023.
Daniel Hartono Direktur
Director
Komposisi Direksi 19 April 2024 – 31 Desember 2024
Board of Directors Composition in April 19, 2024 – December 31, 2024
Nama Jabatan Dasar Pengangkatan
Name Position Legal Basis of Appointment
Siswadi Presiden Direktur Akta Pernyataan Keputusan Para Pemegang Saham
President Director No. 01 tanggal 2 Mei 2024.
Shareholders Resolutions Deed No. 01 dated May 2, 2024.
Indra Gunawan Direktur
Director
Setia Budi Direktur
Director
Sri Harjati Direktur
Director
Valentina Chai Wei Li Direktur
Director
Daniel Hartono Direktur
Director
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Profil Direksi
Board of Directors Profile
SISWADI
Presiden Direktur | President Director
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
53 tahun | years Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024.
Gelar Pendidikan Educational Degree
Sarjana Ekonomi dari Universitas Brawijaya (1994) Bachelor of Economics from Brawijaya University (1994)
Magister Hukum dari Universitas Padjajaran (2004) Master of Law from Padjajaran University (2004)
Sertifikasi Keahlian Professional Certification
• Sertifikasi Ahli Pembiayaan dari SPPI (2015) • Financing Expert Certification from SPPI (2015)
• Sertifikasi Ahli Pembiayaan dari SPPI (2024) • Financing Expert Certification from SPPI (2024)
Perjalanan Karier Career History
• Senior Internal Auditor di PT Tigaraksa Satria Tbk (1994-1997) • Senior Internal Auditor at PT Tigaraksa Satria Tbk (1994-1997)
• Corporate Secretary di PT Astra Sedaya Finance (1997-1998) • Corporate Secretary at PT Astra Sedaya Finance (1997-1998)
• Corporate Internal Audit Head di PT Astra Sedaya Finance • Corporate Internal Audit Head at PT Astra Sedaya Finance
(1998-1999) (1998-1999)
• Risk Management Head di PT Astra Sedaya Finance (1999- • Risk Management Head at PT Astra Sedaya Finance (1999-
2000) 2000)
• Financial Planning & Analysis Head di PT Astra Sedaya Finance • Financial Planning & Analysis Head at PT Astra Sedaya
(2000-2001) Finance (2000-2001)
• Operational Risk Head di PT Astra Sedaya Finance (2001- • Operational Risk Head at PT Astra Sedaya Finance (2001-
2002) 2002)
• Branch Manager Bogor di PT Astra Sedaya Finance (2002- • Branch Manager Bogor at PT Astra Sedaya Finance (2002-
2004) 2004)
• National Service Head di PT Astra Sedaya Finance (2004- • National Service Head at PT Astra Sedaya Finance (2004-
2005) 2005)
• National Remarketing Head di PT Astra Sedaya Finance (2005- • National Remarketing Head at PT Astra Sedaya Finance (2005-
2006) 2006)
• Special Asset Management Head di PT Astra Sedaya Finance • Special Asset Management Head at PT Astra Sedaya Finance
(2006-2007) (2006-2007)
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Profil Perusahaan
Company Profile
• Presiden Direktur di PT Astra Multi Finance (2007-2008) • President Director at PT Astra Multi Finance (2007-2008)
• Commercial Business Division Head di PT Astra Sedaya • Commercial Business Division Head at PT Astra Sedaya
Finance (2007-2012) Finance (2007-2012)
• Komisaris di PT Astra Auto Finance (2007-2013) • Commissioner at PT Astra Auto Finance (2007-2013)
• Presiden Direktur di PT Swadharma Bhakti Sedaya Finance • President Director at PT Swadharma Bhakti Sedaya Finance
(2008-2013) (2008-2013)
• Direktur di PT Astra Sedaya Finance (2013-2018) • Director at PT Astra Sedaya Finance (2013-2018)
• Direktur (Chief HR, IT & Commercial Fleet Officer) di PT Astra • Director (Chief HR, IT & Commercial Fleet Officer) at PT Astra
Sedaya Finance (2013-2014) Sedaya Finance (2013-2014)
• Direktur (Chief Human Capital & GA Officer) di PT Astra Sedaya • Director (Chief Human Capital & GA Officer) at PT Astra Sedaya
Finance (2014-2017) Finance (2014-2017)
• Direktur (Deputy Chief Executive Officer) di PT Astra Sedaya • Director (Deputy Chief Executive Officer) at PT Astra Sedaya
Finance (2017-2018) Finance (2017-2018)
• Komisaris di PT Sedaya Pratama (2013-2024) • Commissioner at PT Sedaya Pratama (2013-2024)
• Komisaris di PT Stacomitra Graha (2013-2024) • Commissioner at PT Stacomitra Graha (2013-2024)
• Presiden Komisaris di PT Astra Auto Finance (2013-2024) • President Commissioner at PT Astra Auto Finance (2013-2024)
• Komisaris di PT Garda Era Sedaya (2018-2024) • Commissioner at PT Garda Era Sedaya (2018-2024)
• Presiden Direktur di PT Astra Sedaya Finance (2018-2024) • President Director at PT Astra Sedaya Finance (2018-2024)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Tidak merangkap jabatan di Perseroan No concurrent position in the Company
Di Perusahaan Lain: In Other Companies:
• Presiden Komisaris di PT Astra Digital Arta (2024-sekarang) • President Commissioner of PT Astra Digital Arta
• Presiden Komisaris di PT Astra Kreasi Digital (2024-sekarang) (2024-present)
• Komisaris di PT Matra Graha Sarana (2024-sekarang) • President Commissioner of PT Astra Kreasi Digital
• Presiden Komisaris di PT Astra Welab Digital Arta (2024-present)
(2024-sekarang) • Commissioner at PT Matra Graha Sarana (2024-present)
• President Commissioner of PT Astra Welab Digital Arta (2024
-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Has no affiliation with other Directors, Board of
Komisaris dan pemegang saham. Commissioners, and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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SRI HARJATI
Direktur | Director
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
55 tahun | years old Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024.
Gelar Pendidikan Educational Degree
Sarjana Akuntansi dari Universitas Tarumanagara (1991) Bachelor of Accounting from University of Tarumanagara (1991)
Sertifikasi Keahlian Professional Certification
• Sertifikasi Ahli Pembiayaan dari SPPI (2017) • Financing Expert Certification from SPPI (2017)
• Sertifikasi Manajemen Risiko dari SPPI (2023) • Risk Management Certification from SPPI (2023)
Perjalanan Karier Career History
• Accounting & Tax Officer di PT Federal International Finance • Accounting & Tax Officer at PT Federal International Finance
(1992-2002) (1992-2002)
• Accounting & Tax Department Head di PT Federal International • Head of Accounting & Tax Department at PT Federal
Finance (2002-2010) International Finance (2002-2010)
• Corporate Accounting & Budget Division Head di PT Federal • Head of Corporate Accounting & Budget Division at PT Federal
International Finance (2010-2014) International Finance (2010-2014)
• Corporate Budget, Accounting & Tax Division Head di PT • Head of Corporate Budget, Accounting & Tax Division at PT
Federal International Finance (2014-2019) Federal International Finance (2014-2019)
• Direktur di PT Astra Multi Finance (2017-2020) • Director at PT Astra Multi Finance (2017-2020)
• Human Capital Division Head di PT Federal International • Head of Human Capital Division at PT Federal International
Finance (2019-2020) Finance (2019-2020)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Tidak merangkap jabatan di Perseroan No concurrent position in the Company
Di Perusahaan Lain: In Other Companies:
• Presiden Komisaris di PT Astra Multi Finance (2021-sekarang) • President Commissioner at PT Astra Multi Finance
(2021-present)
• Anggota Komite Nominasi dan Remunerasi di PT Astra Multi • Member of the Nomination and Remuneration Committee at
Finance (2021-sekarang) PT Astra Multi Finance (2021-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Has no affiliation with other Directors, Board of
Komisaris dan pemegang saham. Commissioners, and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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Profil Perusahaan
Company Profile
INDRA GUNAWAN
Direktur | Director
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
50 tahun | years old Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024.
Gelar Pendidikan Educational Degree
Sarjana Ekonomi (Accounting) dari Universitas Atma Jaya Bachelor of Economics (Accounting) from Atma Jaya
Yogyakarta (1996). University Yogyakarta (1996).
Sertifikasi Keahlian Professional Certification
• Sertifikasi Ahli Pembiayaan dari SPPI (2015) • Financing Expert Certification from SPPI (2015)
• Sertifikasi Manajemen Risiko dari BSMR (2017) • Risk Management Certification from BSMR (2017)
• Sertifikasi Manajemen Risiko dari SPPI (2023) • Risk Management Certification from SPPI (2023)
Perjalanan Karier Career History
• Officer di PT Federal International Finance (1997-2000) • Officer at PT Federal International Finance (1997-2000)
• Branch Head Cilacap di PT Federal International Finance • Cilacap Branch Manager at PT Federal International Finance
(2000-2001) (2000-2001)
• Branch Head Balikpapan di PT Federal International Finance • Balikpapan Branch Manager at PT Federal International
(2001-2002) Finance (2001-2002)
• Branch Head Medan di PT Federal International Finance • Medan Branch Manager at PT Federal International Finance
(2003-2005) (2003-2005)
• Department Head Marketing di PT Federal International • Head of Marketing Department at PT Federal International
Finance (2005-2006) Finance (2005-2006)
• Department Head Repossession and Inventory di PT Federal • Head of Repossession and Inventory Department at PT
International Finance (2006-2010) Federal International Finance (2006-2010)
• Division Head Branch Management di PT Federal International • Head of Branch Management Division at PT Federal
Finance (2010-2011) International Finance (2010-2011)
• Chief of Risk Management & Business Development di PT • Chief of Risk Management & Business Development at PT
Federal International Finance (2011-2012) Federal International Finance (2011-2012)
• Chief of Business Development & Corporate Planning di PT • Chief of Business Development & Corporate Planning at PT
Federal International Finance (2013-2014) Federal International Finance (2013-2014)
• Presiden Komisaris di PT Astra Digital Arta (2018-2020) • President Commissioner at PT Astra Digital Arta (2018-2020)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
• Ketua Komite Pengarah Teknologi Informasi • Chairman of the Information Technology Steering Committee
• Ketua Komite Manajemen Risiko • Chairman of the Risk Management Committee
Di Perusahaan Lain: In Other Companies:
• Presiden Komisaris di PT Sharia Multifinance Astra • President Commissioner at PT Sharia Multifinance Astra
(2016-sekarang) (2016-present)
• Komisaris di PT Astra WeLab Digital Arta (2018-sekarang) • Commissioner at PT Astra WeLab Digital Arta (2018-present)
• Komisaris di PT Astra Digital Arta (2020-sekarang) • Commissioner at PT Astra Digital Arta (2020-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Has no affiliation with other Directors, Board of
Komisaris dan pemegang saham. Commissioners, and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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SETIA BUDI
Direktur | Director
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
55 tahun | years old Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024.
Gelar Pendidikan Educational Degree
Sarjana Akuntansi dari Universitas Sumatera Utara (1996) Bachelor of Accounting from University of Sumatera Utara
(1996)
Sertifikasi Keahlian Professional Certification
• Sertifikasi Manajemen Risiko dari BSMR (2019) • Risk Management Certification from BSMR (2019)
• Sertifikasi Ahli Pembiayaan dari SPPI (2019) • Financing Expert Certification from SPPI (2019)
• Sertifikasi Manajemen Risiko dari SPPI (2023) • Risk Management Certification from SPPI (2023)
Perjalanan Karier Career History
• Pekanbaru Branch Head di PT Federal International Finance • Pekanbaru Branch Head at PT Federal International Finance
(1997-2004) (1997-2004)
• Surabaya Branch Head di PT Federal International Finance • Surabaya Branch Head at PT Federal International Finance
(2004-2005) (2004-2005)
• Kepala Departemen Human Resource di PT Federal • Head of Human Resource Department at PT Federal
International Finance (2005-2011) International Finance (2005-2011)
• Kepala Divisi Human Capital & General Services di PT Federal • Head of Human Capital & General Services Divison at PT
International Finance (2011-2012) Federal International Finance (2011-2012)
• Chief of Human Capital di PT Federal International Finance • Chief of Human Capital at PT Federal International Finance
(2012-2016) (2012-2016)
• Chief of Operation Management di PT Federal International • Chief of Operation Management at PT Federal International
Finance (2017-2019) Finance (2017-2019)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Anggota Komite Manajemen Risiko Member of the Risk Management Committee
Di Perusahaan Lain: In Other Companies:
Komisaris di PT Astra Multi Finance (2012-sekarang) Commissioner at PT Astra Multi Finance (2012-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Has no affiliation with other Directors, Board of
Komisaris dan pemegang saham. Commissioners and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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Profil Perusahaan
Company Profile
VALENTINA CHAI WEI LI
Direktur | Director
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
43 tahun | years old Malaysia | Malaysian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024.
Gelar Pendidikan Educational Degree
Sarjana dari Fakultas Statistika, Program Studi Ilmu Aktuaria, Bachelor of Actuarial Science from the Faculty of Statistics,
London School of Economics and Political Science (2004). London School of Economics and Political Science (2004).
Sertifikasi Keahlian Professional Certification
• Sertifikasi Ahli Pembiayaan dari SPPI (2023) • Financing Expert Certification from SPPI (2023)
• Sertifikasi Manajemen Risiko dari SPPI (2024) • Risk Management Certification from SPPI (2024)
Perjalanan Karier Career History
• Associate Director, Chemicals, Global Banking and Market di • Associate Director, Chemicals, Global Banking and Market at
HSBC, London (2007-2014) HSBC, London (2007-2014)
• Corporate Finance Manager di Jardine Cycle and Carriage, • Corporate Finance Manager at Jardine Cycle and Carriage,
Singapura (2014-2016) Singapore (2014-2016)
• Head of Corporate Development Division di PT Astra • Head of Corporate Development Division at PT Astra
International Tbk (2016-2019) International Tbk (2016-2019)
• Anggota Komite Investasi di PT Asuransi Astra Buana (2019- • Member of Investment Committee at PT Asuransi Astra Buana
2023) (2019-2023)
• Wakil Ketua dan Anggota Dewan di British Chambers of • Vice Chairman of the British Chamber of Commerce (BritCham)
Commerce (BritCham) Indonesia, Jakarta (2019-sekarang) in Indonesia (2019-present)
• Anggota Komite Investasi di Dana Pensiun Astra Dua (2019- • Member of Investment Committee at Astra Dua Pension Fund
2023) (2019-2023)
• Anggota Komite Investasi di Dana Pensiun Astra Satu (2019- • Member of Investment Committee at Astra Satu Pension Fund
2023) (2019-2023)
• Chief of Group Treasury di PT Astra International Tbk (2019- • Chief of Group Treasury at PT Astra International Tbk (2019-
2023) 2023)
• Subject Matter Expert dalam Komite Investasi di PT Asuransi • Subject Matter Expert in Investment Committee at PT Asuransi
Jiwa Astra (2020-2023) Jiwa Astra (2020-2023)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Anggota Komite Manajemen Risiko Member of the Risk Management Committee
Di Perusahaan Lain: In Other Companies:
Tidak merangkap jabatan di perusahaan lain. No concurrent position in the Company and other companies .
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Has no affiliation with other Directors, Board of
Komisaris dan pemegang saham. Commissioners and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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DANIEL HARTONO
Direktur | Director
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
39 tahun | years old Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024.
Gelar Pendidikan Educational Degree
Sarjana Manajemen dari Universitas Bina Nusantara (2007) Bachelor of Management from University of Bina Nusantara
(2007).
Sertifikasi Keahlian Professional Certification
Sertifikasi Ahli Pembiayaan dari SPPI (2023) Financing Expert Certification from SPPI (2023)
Perjalanan Karier Career History
• Electronic Financing Officer di PT Federal International Finance • Electronic Financing Officer at PT Federal International Finance
(2007-2010) (2007-2010)
• NMC Financing Marketing Area 2 Officer di PT Federal • NMC Financing Marketing Area 2 Officer at PT Federal
International Finance (2010-2011) International Finance (2010-2011)
• Marketing Intelligence and PPDCA Sub Dept. Head di PT • Head of Marketing Intelligence and PDCA Sub Dept. at PT
Federal International Finance (2011-2014) Federal International Finance (2011-2014)
• Marketing Intelligence & PPDCA Department Head di PT • Head of Marketing Intelligence & PDCA Department at PT
Federal International Finance (2014-2017) Federal International Finance (2014-2017)
• NMC Financing Marketing Region II Deputy Division Head di • Head of NMC Financing Marketing Region II Deputy Division at
PT Federal International Finance (2017-2018) PT Federal International Finance (2017-2018)
• Marketing Director di PT Astra WeLab Digital Arta (2018-2021) • Marketing Director (CMO) at PT Astra WeLab Digital Arta (2018-
2021)
• Division Head Business Development & Digital Branding di PT • Head of Business Development & Digital Branding Division di
Sedaya Multi Investama (2021-2022) PT Sedaya Multi Investama (2021-2022)
• Presiden Direktur di PT Astra Kreasi Digital (2021-2023) • President Director at PT Astra Kreasi Digital (2021-2023)
Rangkap Jabatan Concurrent Position
Tidak merangkap jabatan di Perseroan dan perusahaan lain. No concurrent position in the Company and other companies.
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Has no affiliation with other Directors, Board of
Komisaris dan pemegang saham. Commissioners and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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Profil Perusahaan
Company Profile
Informasi Perubahan Komposisi Dewan Komisaris
Tahun 2024
Information on Changes in the Composition of the Board of Commissioners in 2024
Pada tahun 2024, masa jabatan seluruh anggota Dewan In 2024, the terms of office of all members of the Company's
Komisaris Perseroan telah berakhir. Sesuai dengan Board of Commissioners will end. In accordance with the
keputusan RUPST tanggal 19 April 2024, pemegang resolution of the AGMS dated April 19, 2024, the shareholders
saham memutuskan untuk mengangkat kembali Presiden decided to reappoint the President Commissioner and
Komisaris dan satu orang Komisaris Independen yang masa one Independent Commissioner whose term of office has
jabatannya telah berakhir. Selain itu, pemegang saham juga expired. Additionally, the shareholders appointed two new
mengangkat dua orang anggota Dewan Komisaris baru, yang members to the Board of Commissioners, one of whom is
salah satunya merupakan Komisaris Independen. Dengan an Independent Commissioner. As a result, following the
demikian, pada periode setelah perubahan komposisi changes in the composition of the Board of Commissioners,
Dewan Komisaris, Perseroan memiliki dua orang Komisaris the Company now has two Independent Commissioners.
Independen. Jumlah Komisaris Independen telah mencapai The number of Independent Commissioners has reached
50% dari jumlah seluruh anggota Dewan Komisaris. 50% of the total members of the Board of Commissioners.
Informasi detail mengenai perubahan ini dapat dilihat pada Detailed information regarding these changes can be found
tabel berikut: in the following table:
Komposisi Dewan Komisaris 1 Januari 2024-19 April 2024
Board of Directors Composition January 1, 2024-April 19, 2024
Nama Jabatan Dasar Pengangkatan
Name Position Legal Basis of Appointment
Suparno Djasmin Presiden Komisaris Akta Pernyataan Keputusan Para Pemegang
President Commissioner Saham No. 41 tanggal 26 April 2022
Shareholders Resolutions Deed No. 41 dated 26
R. Nunu Soetjahja Noegoroho Komisaris Independen April 2022
Independent Commissioner
Johannes Loman Komisaris
Commissioner
Komposisi Dewan Komisaris 19 April 2024-31 Desember 2024
Board of Directors Composition April 19, 2024-December 31, 2024
Nama Jabatan Dasar Pengangkatan
Name Position Legal Basis of Appointment
Suparno Djasmin Presiden Komisaris Akta Pernyataan Keputusan Para Pemegang
President Commissioner Saham No. 01 tanggal 2 Mei 2024
Shareholders Resolutions Deed No. 01 dated May
R. Nunu Soetjahja Noegoroho Komisaris Independen 2, 2024
Independent Commissioner
Gede Harja Wasistha* Komisaris Independen
Independent Commissioner
Thomas Junaidi Alim Wijaya* Komisaris
Commissioner
* Pengangkatan beliau berlaku efektif setelah dinyatakan lulus uji penilaian kemampuan dan kepatutan dari Otoritas Jasa Keuangan
His appointment is effective after declared passing fit and proper test by Financial Service Authority
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Profil Dewan Komisaris
Board of Commissioners Profile
SUPARNO DJASMIN
Presiden Komisaris | President Commissioner
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
63 tahun | years Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 02 Mei 2024
Gelar Pendidikan Educational Degree
Sarjana Teknologi Pangan dari Institut Pertanian Bogor (1986) Bachelor of Food Technology from IPB University (1986)
Sertifikasi Keahlian Professional Certification
Sertifikasi Dasar Komisaris dari SPPI (2016) Basic Commissioner Certification from SPPI (2016)
Perjalanan Karier Career History
• Corporate HR Division Staff di PT Astra International Tbk • Corporate HR Division Staff at PT Astra International Tbk (1987-
(1987-1990) 1990)
• Marketing Research & Development Manager di PT Astra • Marketing Research & Development Manager at PT Astra
Sedaya Finance (1990-1992) Sedaya Finance (1990-1992)
• Director of Sales & Marketing di PT Astra CMG Life (1992-2001) • Director of Sales & Marketing at PT Astra CMG Life (1992-2001)
• Chief Executive Officer di PT Astra International Tbk - Isuzu • Chief Executive Officer at PT Astra International Tbk - Isuzu
Sales Operation (2001-2007) Sales Operation (2001-2007)
• Marketing Director di PT Astra Daihatsu Motor (2007-2008) • Marketing Director at PT Astra Daihatsu Motor (2007-2008)
• Chief Executive Officer di PT Astra International Tbk - • Chief Executive Officer at PT Astra International Tbk -
Daihatsu Sales Operation (2007-2013) Daihatsu Sales Operation (2007-2013)
• Deputy Director in Charge Astra Motor III (Non Toyota) di PT • Deputy Director in Charge of Astra Motor III (Non-Toyota) at PT
Astra International Tbk (2010-2013) Astra International Tbk (2010-2013)
• Deputy Director in Charge Toyota Sales Operation dan Astra • Deputy Director in Charge of Toyota Sales Operation and Astra
World Sales Operation di PT Astra International Tbk (2013- World Sales Operation at PT Astra International Tbk (2013-
2014) 2014)
• Chief Executive Officer di PT Astra International Tbk – Toyota • Chief Executive Officer at PT Astra International Tbk - Toyota
Sales Operation (2013-2015) Sales Operation (2013-2015)
• Komisaris di PT Astra Sedaya Finance (2013-2016) • Commissioner at PT Astra Sedaya Finance (2013-2016)
• Wakil Presiden Direktur di PT Toyota Astra Motor (2014-2015) • Vice President Director at PT Toyota Astra Motor (2014-2015)
• Direktur di PT Toyota Motor Manufacturing Indonesia (2014- • Director at PT Toyota Motor Manufacturing Indonesia (2014-
2015) 2015)
• Komisaris di PT Toyota Astra Financial Services (2014-2015) • Commissioner at PT Toyota Astra Financial Services (2014-2015)
• Direktur di PT Toyofuji Serasi Indonesia (2014-2016) • Director at PT Toyofuji Serasi Indonesia (2014-2016)
• Komisaris di PT Serasi Autoraya (2014-2017) • Commissioner at PT Serasi Autoraya (2014-2017)
• Komisaris di PT Menara Astra (2015-2016) • Commissioner at PT Menara Astra (2015-2016)
• Komisaris di PT Asuransi Astra Buana (2016-2017) • Commissioner at PT Asuransi Astra Buana (2016-2017)
• Wakil Presiden Komisaris di PT Astra Sedaya Finance (2016- • Vice President Commissioner at PT Astra Sedaya Finance
2017) (2016-2017)
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Profil Perusahaan
Company Profile
• Komisaris PT Astra Mitra Ventura (2016-2017) • Commissioner at PT Astra Mitra Ventura (2016-2017)
• Wakil Presiden Komisaris di PT Astra Aviva Life (2016-2020) • Vice President Commissioner at PT Astra Aviva Life (2016-
2020)
• Presiden Komisaris di PT Sedaya Pratama (2016-2023) • President Commissioner at PT Sedaya Pratama (2016-2023)
• Presiden Komisaris di PT Garda Era Sedaya (2016-2023) • President Commissioner at PT Garda Era Sedaya (2016-2023)
• Ketua Dewan Pengawas di Dana Pensiun Astra Satu (2016- • Chairman of the Supervisory Board at Dana Pensiun Astra Satu
2024) (2016-2024)
• Ketua Dewan Pengawas di Dana Pensiun Astra Dua (2016- • Chairman of the Supervisory Board at Dana Pensiun Astra Dua
2024) (2016-2024)
• Wakil Presiden Komisaris di PT Bank Permata Tbk (2017- • Vice President Commissioner at PT Bank Permata Tbk (2017-
2020) 2020)
• Presiden Komisaris di PT Astra Mitra Ventura (2017-2020) • President Commissioner at PT Astra Mitra Ventura (2017-2020)
• Presiden Komisaris di PT Astra Sedaya Finance (2017-2023) • President Commissioner at PT Astra Sedaya Finance (2017-
2023)
• Presiden Komisaris di PT Serasi Autoraya (2020-2022) • President Commissioner at PT Serasi Autoraya (2020-2022)
• Wakil Presiden Komisaris di PT Toyota Astra Financial • Vice President Commissioner at PT Toyota Astra Financial
Services (2020-2023) Services (2020-2023)
• Komisaris di PT Astra Honda Motor (2020-2023) • Commissioner at PT Astra Honda Motor (2020-2023)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Anggota Komite Nominasi dan Remunerasi Member of the Nomination and Remuneration Committee
Di Perusahaan Lain: In Other Companies:
• Direktur di PT Astra International Tbk (2014-sekarang) • Director at PT Astra International Tbk (2014-present)
• Presiden Direktur di PT Sedaya Multi Investama • President Director at PT Sedaya Multi Investama
(2016-sekarang) (2016-present)
• Presiden Komisaris di PT Asuransi Astra Buana • President Commissioner at PT Asuransi Astra Buana
(2017-sekarang) (2017-present)
• Presiden Komisaris di PT Matra Graha Sarana • President Commissioner at PT Matra Graha Sarana
(2019-sekarang) (2019-present)
• Presiden Komisaris di PT Asuransi Jiwa Astra • President Commissioner at PT Asuransi Jiwa Astra
(2021-sekarang) (2021-present)
• Presiden Komisaris di PT Astra Integrasi Digital • President Commissioner at PT Astra Integrasi Digital
(2021-sekarang) (2021-present)
• Presiden Komisaris di PT Astra Auto Digital (2021-sekarang) • President Commissioner at PT Astra Auto Digital
(2021-present)
• Presiden Komisaris di PT Bank Jasa Jakarta (2022-sekarang) • President Commissioner at PT Bank Jasa Jakarta
(2022-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Dewan Komisaris lain, Has no affiliation with other Board of Commissioners,
Direksi, dan pemegang saham. Directors, and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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R. NUNU SOETJAHJA
NOEGOROHO
Komisaris Independen | Independent Commissioner
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
62 tahun | years old Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024
Gelar Pendidikan Educational Degree
Sarjana Psikologi dari Universitas Indonesia (1987) Bachelor of Psychology from University of Indonesia (1987)
Sertifikasi Keahlian Professional Certification
Sertifikasi Dasar Komisaris dari SPPI (2018) Basic Commissioner Certification from SPPI (2018)
Perjalanan Karier Career History
• HRD Staff di PT Astra International Tbk (1987-1990) • HRD Staff at PT Astra International Tbk (1987-1990)
• HRD Staff di PT Astra Sedaya Finance (1990-1991) • HRD Staff at PT Astra Sedaya Finance (1990-1991)
• Department Head HRD di PT Astra Sedaya Finance (1991-1993) • Head of HRD Department at PT Astra Sedaya Finance (1991-
1993)
• Department Head Marketing di PT Astra Sedaya Finance (1993- • Head of Marketing Department at PT Astra Sedaya Finance
1995) (1993-1995)
• Team Leader BPR Project di PT Astra Sedaya Finance (1994- • Team Leader BPR Project at PT Astra Sedaya Finance (1994-
1995) 1995)
• Department Head Corporate Internal Audit Quality & • Head of Corporate Internal Audit Quality & Standardization
Standardization di PT Astra Sedaya Finance (1995-1997) Department at PT Astra Sedaya Finance (1995-1997)
• Department Head Corporate Organization & Business • Head of Corporate Organization & Business Development
Development di PT Astra Sedaya Finance (1998-2000) Department at PT Astra Sedaya Finance (1998-2000)
• Division Head E-Commerce di PT Astra Sedaya Finance (2001- • Head of E-Commerce Division at PT Astra Sedaya Finance
2022) (2001-2022)
• Division Head CRM di PT Astra Sedaya Finance (2002-2004) • Head of CRM Division at PT Astra Sedaya Finance (2002-
2004)
• Division Head National Service (Operation) di PT Astra Sedaya • Head of National Service (Operation) Division at PT Astra
Finance (2004-2005) Sedaya Finance (2004-2005)
• Division Head General Affairs di PT Astra Sedaya Finance • Head of General Affairs Division at PT Astra Sedaya Finance
(2005-2007) (2005-2007)
• Division Head Corporate Audit and Compliance di PT Astra • Head of Corporate Audit and Compliance Division at PT Astra
Sedaya Finance (2005-2007) Sedaya Finance (2005-2007)
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Profil Perusahaan
Company Profile
• Division Head National Operation di PT Astra Sedaya Finance • Head of National Operation Division at PT Astra Sedaya
(2007-2008) Finance (2007-2008)
• Presiden Direktur di PT Staco Estika Sedaya Finance (2007- • President Director at PT Staco Estika Sedaya Finance (2007-
2012) 2012)
• Division Head Human Resources di PT Astra Sedaya Finance • Head of Human Resources Division at PT Astra Sedaya
(2008-2012) Finance (2008-2012)
• Chairman Anti Fraud Committee di PT Astra Sedaya Finance • Chairman Anti Fraud Committee at PT Astra Sedaya Finance
(2008-2012) (2008-2012)
• Presiden Direktur di PT Stacomitra Graha (2008-2012) • President Director at PT Stacomitra Graha (2008-2012)
• Direktur di PT Matra Graha Sarana (2013-2014) • Director at PT Matra Graha Sarana (2013-2014)
• Presiden Direktur di PT Matra Graha Sarana (2014-2016) • President Director at PT Matra Graha Sarana (2014-2016)
• Direktur di PT Federal International Finance (2012-2020) • Director at PT Federal International Finance (2012-2020)
• Komisaris di PT Sharia Multifinance Astra (2016-2021) • Commissioner at PT Sharia Multifinance Astra (2016-2021)
• Ketua Komite Audit di PT Federal International Finance (2021- • Chairman of the Audit Committee at PT Federal International
2024) Finance (2021-2024)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Ketua Komite Pemantau Risiko Chairman of the Risk Monitoring Committee
Ketua Komite Nominasi dan Remunerasi Chairman of the Nomination and Remuneration Committee
Di Perusahaan lain: In Other Companies:
• Anggota Komite Pemantau Risiko di PT Toyota Astra Financial • Member of the Risk Monitoring Committee at PT Toyota Astra
Services (2024-sekarang) Financial Services (2024-present)
• Anggota Komite Audit di PT Toyota Astra Financial Services • Member of the Audit Committee at PT Toyota Astra Financial
(2024-sekarang) Services (2024-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Dewan Komisaris lain, Has no affiliation with other Board of Commissioners,
Direksi, dan pemegang saham. Directors, and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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GEDE HARJA WASISTHA
Komisaris Independen | Independent Commissioner
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
53 tahun | years old Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024.
Gelar Pendidikan Educational Degree
• Sarjana Ekonomi (Akuntansi) dari Fakultas Ekonomi dan • Bachelor of Economics (Accounting) from the Faculty of
Bisnis, Universitas Indonesia (1995) Economics and Business, Universitas Indonesia (1995)
• Doktor Manajemen Keuangan dari Fakultas Ekonomi dan • Doctorate in Financial Management from the Faculty of
Bisnis, Universitas Indonesia (2006) Economics and Business, Universitas Indonesia (2006)
Sertifikasi Keahlian Professional Certification
• Sertifikasi Dasar Komisaris dari SPPI (2021) • Basic Certification of Commissioner from SPPI (2021)
Perjalanan Karier Career History
• Assistant Supervisor of Treasury Division di PT Surveyor • Assistant Supervisor of Treasury Division at PT Surveyor
Indonesia (1995-1997) Indonesia (1995-1997)
• Asisten Dosen di Fakultas Ekonomi dan Bisnis Universitas • Assistant Lecturer at the Faculty of Economics and Business,
Indonesia (1995-2000) Universitas Indonesia (1995-2000)
• Manajer Keuangan dan Administrasi di Magister Manajemen di • Finance and Administration Manager at the Master of
Fakultas Ekonomi dan Bisnis, Universitas Indonesia (2006- Management, Faculty of Economics and Business, Universitas
2009) Indonesia (2006-2009)
• Sekretaris Program Studi di Magister Akuntansi dan Pendidikan • Secretary of the Study Program at the Master of Accounting
Profesi Akuntan (PPAk) Fakultas Ekonomi dan Bisnis, and Professional Accountant Education (PPAk), Faculty of
Universitas Indonesia (2009-2014) Economics and Business, Universitas Indonesia (2009-2014)
• Anggota Komite Audit di PT Astragraphia Tbk (2012-2014) • Member of the Audit Committee at PT Astragraphia Tbk (2012-
2014)
• Anggota Komite Audit di PT Pertamina Hulu Energi (2012-2017) • Member of the Audit Committee at PT Pertamina Hulu Energi
(2012-2017)
• Anggota Komite Audit di PT Astra Sedaya Finance (2013-2014) • Member of the Audit Committee at PT Astra Sedaya Finance
(2013-2014)
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Profil Perusahaan
Company Profile
• Ketua Program Studi di Magister Akuntansi dan Pendidikan • Head of the Study Program at the Master of Accounting
Profesi Akuntan (PPAk) Fakultas Ekonomi dan Bisnis, and Professional Accountant Education (PPAk), Faculty of
Universitas Indonesia (2014-2020) Economics and Business, Universitas Indonesia (2014-2020)
• Anggota Komite Audit dan Komite Pemantau Risiko di PT • Member of the Audit Committee and Risk Monitoring
Federal International Finance (2016-2020) Committee at PT Federal International Finance (2016-2020)
• Anggota Komite Audit di PT Serasi Autoraya (2016-2020) • Member of the Audit Committee at PT Serasi Autoraya
(2016-2020)
• Anggota Komite Pemantau Risiko di PT Swadharma Bhakti • Member of the Risk Monitoring Committee at PT Swadharma
Sedaya Finance (2017-2018) Bhakti Sedaya Finance (2017-2018)
• Anggota Komite Audit dan Komite Pemantau Risiko di PT Astra • Member of the Audit Committee and Risk Monitoring
Auto Finance (2018-2022) Committee at PT Astra Auto Finance (2018-2022)
• Wakil Dekan bidang Sumber Daya, Ventura, dan Administrasi • Vice Dean for Resources, Ventures, and General
Umum di Fakultas Ekonomi dan Bisnis, Universitas Indonesia Administration at the Faculty of Economics and Business,
(2020-2022) Universitas Indonesia (2020-2022)
• Anggota Komite Audit di PT Astragraphia Tbk (2020-2024) • Member of the Audit Committee at PT Astragraphia Tbk (2020-
2024)
• Anggota Komite Audit dan Komite Pemantau Risiko di PT • Member of the Audit Committee and Risk Monitoring
Toyota Astra Finance (2020-2024) Committee at PT Toyota Astra Finance (2020-2024)
• Anggota Komite Audit dan Komite Pemantau Risiko di PT Astra • Member of the Audit Committee and Risk Monitoring
Sedaya Finance (2022-2024) Committee at PT Astra Sedaya Finance (2022-2024)
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Ketua Komite Audit di PT Federal International Finance Chairman of the Audit Committee at PT Federal International
(2024-sekarang) Finance (2024-present)
Di Perusahaan Lain: In Other Companies:
• Anggota Komite Audit dan Komite Pemantau Risiko di PT • Member of the Audit Committee and Risk Monitoring
Asuransi Astra Buana (2018-sekarang) Committee at PT Asuransi Astra Buana (2018-present)
• Anggota Komite Audit dan Komite Pemantau Risiko di PT Indo • Member of the Audit Committee and Risk Monitoring
Tambangraya Megah Tbk (2019-sekarang) Committee at PT Indo Tambangraya Megah Tbk (2019-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Dewan Komisaris lain, Has no affiliation with other Board of Commissioners,
Direksi, dan pemegang saham. Directors, and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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THOMAS JUNAIDI
ALIM WIJAYA
Komisaris | Commissioner
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
45 tahun | years old Indonesia | Indonesian Indonesia
Dasar Pengangkatan Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No. 01 Shareholders Resolutions Deed No. 01 dated May 2, 2024.
tanggal 2 Mei 2024
Gelar Pendidikan Educational Degree
• Sarjana Teknik Industri dari Universitas Trisakti (2002) • Bachelor of Industrial Engineering from Trisakti University
(2002)
• Magister Administrasi Bisnis dari NTU Berkeley – Wharton • Master of Business Administration from NTU Berkeley –
University (2016) Wharton University (2016)
Sertifikasi Keahlian Professional Certification
Sertifikasi Dasar Komisaris dari SPPI (2024) Basic Certification of Commissioner from SPPI (2024)
Perjalanan Karier Career History
• Sales & Logistic Department Head di PT Astra Honda Motor • Head of Sales & Logistics Department at PT Astra Honda
(2007-2009) Motor (2007-2009)
• Sales Region Department Head di PT Astra Honda Motor • Head of Sales Region Department at PT Astra Honda Motor
(2009-2012) (2009-2012)
• Deputy Sales Division Head di PT Astra Honda Motor (2012- • Deputy Head of Sales Division at PT Astra Honda Motor (2012-
2014) 2014)
• Sales Division Head di PT Astra Honda Motor (2014-2017) • Head of Sales Division at PT Astra Honda Motor (2014-2017)
• Marketing Director di PT Astra Honda Motor (2017-2023) • Marketing Director at PT Astra Honda Motor (2017-2023)
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Profil Perusahaan
Company Profile
Rangkap Jabatan Concurrent Position
Di Perseroan: In the Company:
Tidak merangkap jabatan di Perseroan No concurrent position in the Company
Di Perusahaan Lain: In Other Companies:
• Komisaris di PT Astra Digital Arta (2020-sekarang) • Commissioner at PT Astra Digital Arta (2020-present)
• Komisaris di PT Musashi Auto Parts Indonesia (2023-sekarang) • Commissioner at PT Musashi Auto Parts Indonesia
(2023-present)
• Komisaris di PT Hitachi Astemo Bekasi Manufacturing • Commissioner at PT Hitachi Astemo Bekasi Manufacturing
(2023-sekarang) (2023-present)
• Presiden Komisaris di PT Suryaraya Rubberindo Industries • President Commissioner at PT Suryaraya Rubberindo
(2023-sekarang) Industries (2023-present)
• Executive Vice President Director di PT Astra Honda Motor • Executive Vice President Director at PT Astra Honda Motor
(2023-sekarang) (2023-present)
• Komisaris di PT Astra Auto Digital (2024-sekarang) • Commissioner at PT Astra Auto Digital (2024-present)
• Komisaris di PT Astra Integrasi Digital (2024-sekarang) • Commissioner at PT Astra Integrasi Digital (2024-present)
• Komisaris di PT Astra Otoparts Tbk (2024-sekarang) • Commissioner at PT Astra Otoparts Tbk (2024-present)
• Direktur di PT Astra International Tbk (2024-sekarang) • Director at PT Astra International Tbk (2024-present)
Hubungan Afiliasi Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Dewan Komisaris lain, Has no affiliation with other Board of Commissioners,
Direksi, dan pemegang saham. Directors, and shareholders.
Kepemilikan Saham di Perseroan Share Ownership in the Company
Tidak memiliki saham Perseroan baik secara langsung Does not own the Company’s shares either directly or
maupun tidak langsung. indirectly.
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Pernyataan Independensi Komisaris Independen
Statement of Independence of Independent Commissioners
Pada tahun 2024, seluruh Komisaris Independen yang In 2024, all serving Independent Commissioners have
menjabat telah memenuhi persyaratan dan kriteria met the requirements and criteria for independence in
independensi sesuai ketentuan Otoritas Jasa Keuangan accordance with the provisions of the Financial Services
serta tidak ada yang menjabat lebih dari dua periode. Authority and none have served more than two terms.
Per 31 Desember 2024, R. Nunu Soetjahja Noegoroho As of December 31, 2024, R. Nunu Soetjahja Noegoroho
memasuki periode jabatan ketiga sebagai Komisaris is entering his third term as Independent Commissioner,
Independen dan Gede Harja Wasistha baru menjalani while Gede Harja Wasistha is serving his first term as an
periode pertama sebagai Komisaris Independen. Independent Commissioner.
Komisaris Independen Perseroan yakni Bapak R. Nunu The Independent Commissioners of the Company, Mr. R.
Soetjahja Noegroho dan Bapak Gede Harja Wasistha Nunu Soetjahja Noegroho and Mr. Gede Harja Wasistha,
menyatakan bahwa tidak mempunyai hubungan afiliasi declared that they have no affiliations with members of the
dengan anggota Direksi, anggota Dewan Komisaris, anggota Board of Directors, members of the Board of Commissioners,
Dewan Pengawas Syariah atau pemegang saham Perseroan members of the Sharia Supervisory Board, or the Company’s
serta tidak pernah menjadi anggota Direksi, anggota shareholders. Furthermore, they have never served as
Dewan Komisaris, anggota Dewan Pengawas Syariah atau members of the Board of Directors, members of the Board
menduduki 1 (satu) tingkat di bawah Direksi pada Perseroan of Commissioners, members of the Sharia Supervisory Board,
atau perusahaan lain yang memiliki hubungan afiliasi dengan or held positions one level below the Board of Directors
Perseroan dalam kurun waktu sesuai dengan perundang- in the Company or any affiliated entity within the period
undangan yang berlaku. stipulated by the applicable laws and regulations.
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Profil Perusahaan
Company Profile
Demografi Karyawan
Employee Demographics
Pada 31 Desember 2024, total karyawan FIFGROUP tercatat As of December 31, 2024, FIFGROUP recorded a total of
sebanyak 14.134 orang. Angka ini menunjukkan peningkatan 14,134 employees. This number shows an increase compared
dibandingkan jumlah karyawan pada 31 Desember 2023 to the number of employees on December 31, 2023 which
yang berjumlah 13.801 orang. Perubahan tersebut telah amounted to 13,801 people. This change has been adjusted
disesuaikan dengan kebutuhan organisasi. to align with the organization’s needs.
Jumlah Karyawan Berdasarkan Gender
Number of Employees Based on Gender
Jumlah Karyawan
Number of Employees
Keterangan Tahun 2023 Tahun 2024
Description in 2023 in 2024
(orang) (orang)
(%) (%)
(persons) (persons)
Pria 11.618 84,18 11.552 81,73
Male
Wanita 2.183 15,82 2.582 18,27
Female
Total 13.801 100 14.134 100
Jumlah Karyawan Berdasarkan Status Kepegawaian
Number of Employees Based on Employment Status
Jumlah Karyawan
Number of Employees
Keterangan Tahun 2023 Tahun 2024
Description in 2023 in 2024
(orang) (orang)
(%) (%)
(persons) (persons)
Tetap 13.801 100 14.134 100
Permanent
Tidak Tetap 0 0 0 0
Non- Permanent
Total 13.801 100 14.134 100
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Jumlah Karyawan Berdasarkan Tingkat Pendidikan
Number of Employees Based on Education Level
Jumlah Karyawan
Number of Employees
Keterangan Tahun 2023 Tahun 2024
Description in 2023 in 2024
(orang) (orang)
(%) (%)
(persons) (persons)
Magister 47 0,34 57 0,40
Post Graduate
Sarjana 5.120 37,10 5.775 40,86
Bachelor’s
Diploma 1.292 9,36 1.273 9,01
Diploma
SMU 7.317 53,02 7.026 49,71
Senior High School
SMP/SD 25 0,18 3 0,02
Junior High School/ Elementary School
Total 13.801 100,00 14.134 100,00
Jumlah Karyawan Berdasarkan Level Jabatan
Number of Employees Based on Position Level
Jumlah Karyawan
Number of Employees
Keterangan Tahun 2023 Tahun 2024
Description in 2023 in 2024
(orang) (orang)
(%) (%)
(persons) (persons)
Direksi 6 0,04 6 0,04
Board of Directors
General Manager 18 0,13 16 0,11
Manager (Dept. Head, Sub Dept. Head) 52 0,38 51 0,36
Supervisor (Area Head, BM/MM, Rep Head) 810 5,87 809 5,72
Pelaksana 12.915 93,58 13.252 93,76
Staffs
Total 13.801 100,00 14.134 100,00
Jumlah Karyawan Berdasarkan Usia
Number of Employees Based on Age
Jumlah Karyawan
Number of Employees
Keterangan Tahun 2023 Tahun 2024
Description in 2023 in 2024
(orang) (orang)
(%) (%)
(persons) (persons)
>55 1 0,01 0 0,00
46-55 552 4,00 614 4,34
36-45 3.688 26,72 3.763 26,62
26-35 7.248 52,52 7.409 52,42
18-25 2.312 16,75 2.348 16,61
Total 13.801 100,00 14.134 100,00
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Profil Perusahaan
Company Profile
Struktur dan Komposisi Pemegang Saham
Shareholders Structure and Composition
PT Arya Kharisma PT Astra International Tbk.
(0,00004%) (99,99996%)
1 Januari 2024 31 Desember 2024
Nama Pemegang January 1, 2024 December 31, 2024
Saham Jumlah Modal Ditempatkan
Name of Persentase Jumlah Saham
Saham dan Disetor Penuh
Shareholders Kepemilikan (%) (Lembar) Nilai Saham (Rp) Persentase (%)
(Lembar) (Rp juta)
Ownership Number of Share Value (Rp) Percentage (%)
Number of Issued and Fully Paid
Percentage (%) Shares (share)
Shares (share) Capital (Rp million)
Kepemilikan Saham Lebih dari 5%
Share Ownership of More than 5%
PT Astra 279.999.900 279.999.900.000 99,99996 279.999.900 279.999.900.000 99,99996
International Tbk
PT Arya Kharisma 100 100.000 0,00004 100 100.000 0,00004
Kepemilikan Saham oleh Masyarakat Kurang dari 5%
Share Ownership of Less than 5%
Masyarakat - - - - - -
(masing-masing
di bawah 5%)
Public (each
below 5%)
Jumlah 280.000.000 280.000.000.000 100,00000 280.000.000 280.000.000.000 100,00000
Total
Kepemilikan Saham oleh Masyarakat yang Kurang Ownership of Public Shares Less Than 5%
Dari 5%
Sampai dengan 31 Desember 2024, Perseroan belum pernah As of December 31, 2024, the Company has never conducted
melakukan aksi Penawaran Umum Perdana Saham (Initial an Initial Public Offering on any stock exchange; therefore,
Public Offerring) di bursa efek manapun sehingga seluruh all of the Company's shares are not traded publicly. As a
saham Perseroan tidak diperjualbelikan kepada publik. private company, the Company is not obliged to disclose
Sebagai perusahaan tertutup, Perseroan tidak berkewajiban information regarding public share ownership in the 2024
untuk mengungkapkan informasi terkait kepemilikan Annual Report, including no need to discuss the Company's
saham oleh masyarakat di dalam Laporan Tahunan 2024, share ownership by local institutions, foreign institutions,
termasuk juga tidak perlu melakukan pembahasan tentang local individuals, or foreign individuals.
kepemilikan saham Perseroan oleh institusi lokal, institusi
asing, individu lokal, ataupun individu asing.
Kepemilikan Saham Direksi dan Dewan Komisaris Share Ownership of the Board of Directors and
Board of Commissioners
Hingga akhir 2024, tidak ada satu pun anggota Direksi As of the end of 2024, none of the members of the Board
maupun Dewan Komisaris yang tercatat sebagai pemegang of Directors or Board of Commissioners are registered as
saham Perseroan, baik secara langsung maupun shareholders of the Company, either directly or indirectly.
tidak langsung.
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Informasi Pemegang Saham Utama dan/atau
Pengendali
Information on Majority and/or Controlling Shareholders
99,99996% 0,00004%
PT Astra International Tbk. PT Arya Kharisma
PT Federal International FInance
PT Astra International Tbk (“Astra”) bertindak sebagai PT Astra International Tbk ("Astra") serves as the majority
pemegang saham utama dan pengendali Perseroan dengan and controlling shareholder of the Company with a
porsi kepemilikan saham mencapai 99,99996% dari total share ownership of 99.99996% from the total shares of
keseluruhan saham Perseroan. the Company.
PT Astra International Tbk (“Astra”) PT Astra International Tbk (“Astra”)
Astra merupakan salah satu perusahaan publik terbesar di Astra is one of the largest public companies in Indonesia
Indonesia yang bergerak di berbagai sektor, seperti otomotif, engaged in various sectors, such as automotive, mining,
pertambangan, konstruksi, dan agrobisnis. Astra merupakan construction, and agribusiness. Astra is the parent company
induk perusahaan Grup Astra yang didirikan pada tahun of Astra Group, founded in 1957 by William Soeryadjaya and
1957 oleh William Soeryadjaya dan saudaranya Drs. Tjia his brother Drs. Tjia Kian Tie. Astra operates a business model
Kian Tie. Astra menjalankan model bisnis berbasis sinergi based on synergy and diversification that covers 7 (seven)
dan diversifikasi yang mencakup 7 (tujuh) segmen usaha, business segments: Automotive; Financial Services; Heavy
yaitu Otomotif; Jasa Keuangan; Alat Berat, Pertambangan, Equipment, Mining, Construction and Energy; Agribusiness;
Konstruksi, dan Energi; Agribisnis; Infrastruktur dan Logistik; Infrastructure and Logistics; Information Technology; and
Teknologi Informasi; serta Properti. Hingga akhir 2024, Astra Property. As of the end of 2024, Astra was recorded to have
tercatat telah memiliki lebih dari 200 anak perusahaan, more than 200 subsidiaries, joint ventures, and associated
ventura bersama, dan entitas asosiasi yang operasionalnya entities with operations spread throughout Indonesia.
tersebar luas di seluruh Indonesia.
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Profil Perusahaan
Company Profile
Daftar Entitas Anak dan/atau Perusahaan Asosiasi
List of Subsidiaries and/or Associated Companies
Entitas Anak Subsidiaries
Per 31 Desember 2024, FIFGROUP tidak memiliki As of December 31, 2024, FIFGROUP does not have
Entitas Anak. any Subsidiaries.
Entitas Asosiasi Associated Entities
Per 31 Desember 2024, FIFGROUP memiliki 1 (satu) Entitas As of December 31, 2024, FIFGROUP has 1 (one) Associated
Asosiasi, yaitu PT Astra Digital Arta (ADA). Informasi lebih Entity, namely PT Astra Digital Arta (ADA). More detailed
rinci diuraikan pada tabel berikut ini: information is described in the following table:
PT Astra Digital Arta (“ADA”)
Bidang Usaha Perusahaan teknologi keuangan
Line of Business Financial technology company
Status Operasi Beroperasi penuh dalam menjalankan kegiatan usaha sebagai penerbit uang elektronik sesuai izin
Operational Status yang dimilikinya
Fully operational in carrying out business activities as an electronic money issuer in accordance with
its license
Pemegang Saham PT Federal International Finance: 25%
Shareholders PT Sedaya Multi Investama: 72,75%
KOPFIF 2000: 2,25%
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Struktur Grup Perusahaan
Company Group Structure
Otomotif Jasa Keuangan Alat Berat, Agribisnis
Automotive Financial Services Pertambangan, Agrobusiness
Konstruksi
dan Energi
Heavy Equipment, Mining,
Kendaraan Roda Empat Pembiayaan Mobil Construction and Energy Perkebunan Kelapa Sawit
Four-wheeler Car Financing Palm Oil Plantation
• PT Astra Daihatsu Motor • PT Astra Sedaya Finance PT Astra Agro Lestari Tbk*
• PT Isuzu Astra Motor Indonesia • PT Toyota Astra Financial
• PT Toyota-Astra Motor Services Pabrik Pengolahan Minyak Sawit
Mesin Konstruksi Palm Oil Refinery
Kendaraan Roda Dua Pembiayaan Sepeda Motor Construction Machinery • PT Tanjung Sarana Lestari
Two-wheeler Motorcycle Financing • PT Traktor Nusantara • PT Kreasijaya Adhikarya
• PT Astra Honda Motor PT Federal International Finance* • PT United Tractors Tbk
Perdagangan Komoditi
Komponen Pembiayaan Alat Berat Kontraktor Penambangan Comodity Trading
Component Heavy Equipment Financing Mining Contractor Astra-KLK Pte. Ltd.
• PT Astra Otoparts Tbk • PT Komatsu Astra Finance • PT Kalimantan Prima Persada
• PT Surya Artha Nusantara • PT Pamapersada Nusantara
Produk & Jasa Lain-lain Terkait
Pertambangan Batu Bara
Otomotif Asuransi Umum Coal Mining
Other Automotive Related General Insurance PT Tuah Turangga Agung
Products & Services PT Asuransi Astra Buana
• PT Astra Digital Internasional Pertambangan Mineral
• PT Mobilitas Digital Indonesia Asuransi Jiwa Mineral Mining
• PT Serasi Mitra Mobil Life Insurance • PT Anugerah Surya Pacific
PT Asuransi Jiwa Astra Resources
• PT Stargate Pasific Resources
Fintek Pinjaman Mobile • PT Stargate Mineral Asia
Mobile Lending Fintech
PT Astra WeLab Digital Arta Pertambangan Emas
Gold Mining
Uang Elektronik PT Agincourt Resources
Electronic Money PT Sumbawa Jutaraya
PT Astra Digital Arta
Industri Konstruksi
Perbankan Construction Industry
Banking PT Acset Indonusa Tbk
PT Bank Jasa Jakarta
Energi
Energy
• PT Energia Prima Nusantara
• PT Unitra Persada Energia
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Profil Perusahaan
Company Profile
Infrastruktur dan Logistik Teknologi Informasi Properti
Infrastructure and Logistics Information Technology Property
Komersial
Infrastruktur Umum Solusi Dokumen
Commercial
General Infrastructure Document Solution
• PT Menara Astra
• PT Astra Nusa Perdana PT Astra Graphia Tbk
• PT Samadista Karya
• PT Astra Tol Nusantara
• PT Astari Marga Sarana
Solusi Layanan Kantor
Logistik Office Services Solution Residensial
Logistics PT Astragraphia Xprins Residential
PT Serasi Autoraya Indonesia • PT Astra Land Indonesia
• PT Asya Mandira Land
Jalan Tol Solusi Teknologi Informasi & • PT Bhumi Prama Arjasa
Toll Roads Komunikasi Information & • PT Brahmayasa Bahtera
• PT Jasamarga Pandaan Malang Communication Technology • PT Award Global Infinity
• PT Jasamarga Surabaya Solution • PT Lazuli Karya Sarana
Mojokerto PT Astra Graphia Information
• PT Lintas Marga Sedaya Technology
• PT Marga Harjaya Infrastruktur
• PT Marga Lingkar Jakarta
• PT Marga Mandalasakti
• PT Marga Trans Nusantara
• PT Trans Marga Jateng
Pelabuhan
Ports
PT Pelabuhan Penajam Banua Taka
Solusi Infrastruktur
Infrastructure Solutions
ASTRA Infra Solutions
Kronologis Pencatatan Saham
Shares Listing Chronology
Sampai dengan 31 Desember 2024, Perseroan tidak menjual As of December 31, 2024, the Company has not sold
sahamnya kepada publik. Dengan demikian, informasi its shares to the public. Thus, information related to the
terkait kronologis pencatatan saham seperti jumlah saham, chronology of the listing of shares, such as the number
nilai nominal, dan harga penawaran dari awal pencatatan of shares, nominal value, offering price from the initial
hingga akhir tahun buku serta nama bursa efek di mana listing to the end of the fiscal year, and the name of the
saham dicatatkan, termasuk pemecahan saham (stock split), stock exchange in which the shares are listed, including
penggabungan saham (reverse stock), dividen saham, saham stock splits, reverse stock, stock dividends, bonus shares,
bonus, dan perubahan nilai nominal saham, pelaksanaan changes in nominal share value, implementation of securities
efek konversi, pelaksanaan penambahan dan pengurangan conversion, and capital addition or substractions, is irrelevant
modal menjadi tidak relevan untuk diuraikan pada Laporan to be described in the 2024 Annual Report.
Tahunan 2024.
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Kronologis Pencatatan Obligasi atau Efek Lainnya
Chronology of Bond or other Securities Listing
FIFGROUP memulai langkah strategis dalam pembiayaan FIFGROUP started a strategic initiative in long-term financing
jangka panjang serta peningkatan nilai korporasi melalui and corporate value enhancement through its Initial Public
Penawaran Umum Perdana untuk penerbitan ‘Obligasi Offering of the ‘Federal International Finance Amortization
Amortisasi Federal International Finance I Tahun 2002 Bonds I Year 2002 with Fixed Interest Rate’ on August 27,
dengan Tingkat Bunga Tetap’ pada 27 Agustus 2002. 2002. These bonds were rated IdA- and were fully matured
Obligasi tersebut memiliki Peringkat IdA- dan telah jatuh and repaid on September 6, 2005.
tempo serta dilunasi sepenuhnya pada 6 September 2005.
Sejak penerbitan Obligasi I Tahun 2002, FIFGROUP secara Since the issuance of Bonds I in 2002, FIFGROUP has
konsisten melaksanakan penerbitan obligasi korporasi setiap consistently issued corporate bonds annually. The
tahun. Kredibilitas dan keandalan Perseroan tercermin Company's credibility and reliability are reflected through
melalui peningkatan peringkat kredit secara bertahap the gradual improvement of its credit rating and commitment
dan komitmen untuk melunasi pembayaran sesuai jadwal to timely repayment according to maturity schedules.
jatuh tempo.
Informasi detail mengenai Kronologi Penerbitan Obligasi Detailed information regarding FIFGROUP's Bond Issuance
FIFGROUP sejak 2002 dapat dilihat pada tabel berikut: Chronology since 2002 can be found in the following table:
Pencatatan Obligasi Sebelum Tahun 2024
Bond Listing Prior to 2024
Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
1. Obligasi Amortisasi Federal A 75.000 idA- 18,50% 27 Agustus 2002 6 September
International Finance I Tahun August 27, 2002 2005
2002 dengan Tingkat Bunga B 150.000 September 6,
Tetap 2005
Federal International Finance C 75.000
Amortized Bonds I Year 2002
with Fixed Interest Rate
Sub Total 300.000
2. Obligasi Amortisasi Federal A 150.000 idA+ 12,375% 25 Juli 2003 9 Agustus 2004
International Finance II Tahun July 25, 2003 August 9, 2004
2003 dengan Tingkat Bunga
Tetap B 100.000 12,875% 5 Agustus 2005
Federal International Finance August 5, 2005
Amortized Bonds II Year
2003 with Fixed Interest Rate C 250.000 13,1875% 5 Agustus 2006
August 5, 2006
D 250.000 13,50% 5 Agustus 2007
August 5, 2007
Sub Total 750.000
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Profil Perusahaan
Company Profile
Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
3. Obligasi Federal International A 200.000 idA+ 10,50% 19 Maret 2004 12 April 2005
Finance III Tahun 2004 March 19, 2004 April 12, 2005
dengan Tingkat Bunga Tetap
Federal International Finance B 100.000 12,00% 2 April 2006
Bonds III Year 2004 with April 2, 2006
Fixed Interest Rate
C 200.000 12,75% 2 April 2007
April 2, 2007
Sub Total 500.000
4. Obligasi Federal International A 200.000 idA+ 9,625% 1 September 20 Sep 2005
Finance IV Tahun 2004 2004 September 20,
dengan Tingkat Bunga Tetap September 1, 2005
Federal International Finance 2024
Bonds IV Year 2004 with B 100.000 10,75% 15 Sep 2006
Fixed Interest Rate September 15,
2006
C 200.000 11,75% 15 Sep 2007
September 15,
2007
Sub Total 500.000
5. Obligasi Federal International A 300.000 idA+ 8,375% 31 Desember 13 Januari 2006
Finance V Tahun 2005 2004 January 13, 2006
dengan Tingkat Bunga Tetap December 31,
Federal International Finance B 100.000 9,375% 2004 12 Juli 2006
Bonds V Year 2005 with July 12, 2006
Fixed Interest Rate
C 200.000 10,00% 12 Januari 2007
January 12, 2007
D 100.000 10,375% 2 Juli 2007
July 2, 2007
E 300.000 10,75% 12 Januari 2008
January 12, 2008
Sub Total 1.000.000
6. Obligasi Federal International A 200.000 idA+ 13,75% 7 April 2006 26 April 2007
Finance VI Tahun 2006 April 7, 2006 April 26, 2007
dengan Tingkat Bunga Tetap
Federal International Finance B 100.000 14,50% 21 April 2008
Bonds VI Year 2006 with April 21, 2008
Fixed Interest Rate
C 300.000 14,75% 21 April 2009
April 21, 2009
Sub Total 600.000
7. Obligasi Federal International A 275.000 idA+ 9,75% 20 April 2007 7 Mei 2008
Finance VII Tahun 2007 April 20, 2007 May 7, 2008
dengan Tingkat Bunga Tetap
Federal International Finance B 75.000 10,00% 2 Mei 2009
Bonds VII Year 2007 with May 2, 2009
Fixed Interest Rate
C 300.000 10,50% 2 Mei 2010
May 2, 2010
D 350.000 10,75% 2 Mei 2011
May 2, 2011
Sub Total 1.000.000
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Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
8. Obligasi Federal International A 600.000 idAA- 11,125% 30 April 2008 18 Mei 2009
Finance VIII Tahun 2008 April 30, 2008 May 18, 2009
dengan Tingkat Bunga Tetap
Federal International Finance B 190.000 12,125% 13 Mei 2010
Bonds VIII Year 2008 with May 13, 2010
Fixed Interest Rate
C 360.000 12,625% 13 Mei 2011
May 13, 2011
Sub Total 1.150.000
9. Obligasi Federal International A 365.000 idAA- 12,55% 22 April 2009 4 Mei 2010
Finance IX Tahun 2009 April 22, 2009 May 4, 2010
dengan Tingkat Bunga Tetap
Federal International Finance B 93.000 13,55% 29 April 2011
Bonds IX Year 2009 with April 29, 2011
Fixed Interest Rate
C 542.000 14,60% 29 April 2012
April 29, 2012
Sub Total 1.000.000
10. Obligasi Federal International A 300.000 idAA- 8,10% 21 April 2010 4 Mei 2011
Finance X Tahun 2010 April 21, 2010 May 4, 2011
dengan Tingkat Bunga Tetap
Federal International Finance B 200.000 8,75% 29 April 2012
Bonds X Year 2010 with April 29, 2012
Fixed Interest Rate
C 400.000 10,15% 29 April 2013
April 29, 2013
D 600.000 10,55% 29 April 2014
April 29, 2014
Sub Total 1.500.000
11. Obligasi Federal International A 621.500 idAA+ 7,80% 15 April 2011 1 Mei 2012
Finance XI Tahun 2011 April 15, 2011 May 1, 2012
dengan Tingkat Bunga Tetap
Federal International Finance B 480.000 8,80% 26 April 2013
Bonds XI Year 2011 with April 26, 2013
Fixed Interest Rate
C 1.898.500 9,60% 26 April 2014
April 26, 2014
Sub Total 3.000.000
12. Obligasi Berkelanjutan I A 998.000 idAA+ 6,40% 12 April 2012 25 April 2013
Federal International Finance April 12, 2012 April 25, 2013
dengan Tingkat Bunga Tetap
Tahap I Tahun 2012 B 1.367.000 7,35% 20 April 2014
Federal International Finance April 20, 2014
Shelf Registration Bonds
I with Fixed Interest Rate C 1.635.000 7,65% 20 April 2015
Phase I Year 2012 April 20, 2015
Sub Total 4.000.000
13. Obligasi Berkelanjutan I A 710.000 idAA+ 6,75% 12 April 2012 14 April 2014
Federal International Finance Pefindo April 12, 2012 April 14, 2014
dengan Tingkat Bunga Tetap AAA(idn)
Tahap II Tahun 2013 B 1.690.000 Fitch 7,75% 4 April 2016
Federal International Finance April 4, 2016
Shelf Registration Bonds
I with Fixed Interest Rate
Phase II Year 2013
Sub Total 2.400.000
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Profil Perusahaan
Company Profile
Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
14. Obligasi Berkelanjutan I A 805.000 idAAA 9,60% 12 April 2015 24 Maret 2015
Federal International Finance Pefindo April 12, 2015 March 24, 2015
dengan Tingkat Bunga Tetap AAA(idn)
Tahap III Tahun 2014 B 745.000 Fitch 10,50% 14 Maret 2017
Federal International Finance March 14, 2017
Shelf Registration Bonds
I with Fixed Interest Rate
Phase III Year 2014
Sub Total 1.550.000
15. Obligasi Berkelanjutan II A 939.000 idAAA 8,50% 15 April 2015 4 Mei 2016
Federal International Finance Pefindo April 15, 2015 May 4, 2016
dengan Tingkat Bunga Tetap AAA(idn)
Tahap I Tahun 2015 B 2.061.000 Fitch 9,25% 24 April 2018
Federal International Finance April 24, 2018
Shelf Registration Bonds
II with Fixed Interest Rate
Phase I Year 2015
Sub Total 3.000.000
16. Obligasi Berkelanjutan II A 913.000 idAAA 8,50% 15 April 2015 21 September
Federal International Finance Pefindo April 15, 2015 2016
dengan Tingkat Bunga Tetap AAA(idn) September 21,
Tahap II Tahun 2015 Fitch 2016
Federal International Finance
Shelf Registration Bonds B 587.000 9,25% 11 September
II with Fixed Interest Rate 2018
Phase II Year 2015 September 11,
2018
Sub Total 1.500.000
17. Obligasi Berkelanjutan II A 868.000 idAAA 8,50% 15 April 2015 15 April 2017
Federal International Finance Pefindo April 15, 2015 April 15, 2017
dengan Tingkat Bunga Tetap AAA(idn)
Tahap III Tahun 2016 B 2.507.000 Fitch 9,15% 5 April 2019
Federal International Finance April 5, 2019
Shelf Registration Bonds
II with Fixed Interest Rate
Phase III Year 2016
Sub Total 3.375.000
18. Obligasi Berkelanjutan II A 868.000 idAAA 7,25% 15 April 2015 7 Oktober 2017
Federal International Finance Pefindo April 15, 2015 October 7, 2017
dengan Tingkat Bunga Tetap AAA(idn)
Tahap IV Tahun 2016 B 1.257.000 Fitch 7,95% 27 September
Federal International Finance 2019
Shelf Registration Bonds September 27,
II with Fixed Interest Rate 2019
Phase IV Year 2016
Sub Total 2.125.000
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Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
19. Obligasi Berkelanjutan III A 1.424.000 idAAA 7,35% 17 April 2017 6 Mei 2018
Federal International Finance Pefindo April 17, 2017 May 6, 2018
dengan Tingkat Bunga Tetap AAA(idn)
Tahap I Tahun 2017 B 2.076.000 Fitch 8,45% 26 April 2020
Federal International Finance April 26, 2020
Shelf Registration Bonds
III with Fixed Interest Rate
Phase I Year 2017
Sub Total 3.500.000
20. Obligasi Berkelanjutan III A 1.679.000 idAAA 6,50% 17 April 2017 20 Oktober 2018
Federal International Finance Pefindo April 17, 2017 October 20, 2018
dengan Tingkat Bunga Tetap AAA(idn)
Tahap II Tahun 2017 B 971.000 Fitch 7,50% 10 Oktober 2020
Federal International Finance October 10, 2020
Shelf Registration Bonds
III with Fixed Interest Rate
Phase II Year 2017
Sub Total 2.650.000
21. Obligasi Berkelanjutan III A 1.592.000 idAAA 6,10% 17 April 2017 21 April 2019
Federal International Finance Pefindo April 17, 2017 April 21, 2019
dengan Tingkat Bunga Tetap AAA(idn)
Tahap III Tahun 2018 B 1.408.000 Fitch 7,45% 11 April 2021
Federal International Finance April 11, 2021
Shelf Registration Bonds
III with Fixed Interest Rate
Phase III Year 2018
Sub Total 3.000.000
22. Obligasi Berkelanjutan III A 639.260 idAAA 7,50% 17 April 2017 5 Oktober 2019
Federal International Finance Pefindo April 17, 2017 October 5, 2019
dengan Tingkat Bunga Tetap AAA(idn)
Tahap IV Tahun 2018 Fitch
B 661.180 8,75% 25 September
Federal International Finance
2021
Shelf Registration Bonds
September 25,
IV with Fixed Interest Rate
2021
Phase III Year 2018
Sub Total 1.300.440
23. Obligasi Berkelanjutan III A 990.851 idAAA 8,00% 17 April 2017 22 Maret 2020
Federal International Finance Pefindo April 17, 2017 March 22, 2020
dengan Tingkat Bunga Tetap AAA(idn)
Tahap V Fitch
B 1.369.472 8,80% 12 Maret 2022
Tahun 2019
March 12, 2022
Federal International Finance
Shelf Registration Bonds
III with Fixed Interest Rate
Phase V Year 2019
Sub Total 2.360.323
24. Obligasi Berkelanjutan IV A 457.674 idAAA 7,55% 17 Juni 2019 5 Juli 2020
Federal International Finance Pefindo June 17, 2019 July 5, 2020
dengan Tingkat Bunga Tetap
Tahap I Tahun 2019
B 1.042.326 8,55% 25 Juni 2022
Federal International Finance
June 25, 2022
Shelf Registration Bonds
IV with Fixed Interest Rate
Phase I Year 2019
Sub Total 1.500.000
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Profil Perusahaan
Company Profile
Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
25. Obligasi Berkelanjutan IV A 854.558 idAAA 6,25% 17 Juni 2019 17 Oktober 2021
Federal International Finance Pefindo June 17, 2019 October 17, 2021
dengan Tingkat Bunga Tetap AAA(idn)
Tahap II Tahun 2020 Fitch
B 645.442 7,25% 7 Oktober 2023
Federal International Finance
October 7, 2023
Shelf Registration Bonds
IV with Fixed Interest Rate
Phase II Year 2020
Sub Total 1.500.000
26. Obligasi Berkelanjutan V A 628.000 idAAA 4,60% 27 May 18 Juni 2022
Federal International Finance Pefindo 2021 June 18, 2022
dengan Tingkat Bunga Tetap AAA(idn) May 27, 2021
Tahap I Tahun 2021 Fitch
B 872.000 6,25% 8 Juni 2024
Federal International Finance
June 8, 2024
Shelf Registration Bonds
V with Fixed Interest Rate
Phase I Year 2021
Sub Total 1.500.000
27. Obligasi Berkelanjutan V A 975.329 idAAA 3,60% 27 May 2021 7 November
Federal International Finance Pefindo May 27, 2021 2022
dengan Tingkat Bunga Tetap AAA(idn) November 7,
Tahap II Tahun 2021 Fitch 2022
Federal International Finance
Shelf Registration Bonds B 774.671 5,30% 27 Oktober 2024
V with Fixed Interest Rate October 27, 2024
Phase II Year 2021
Sub Total 1.750.000
28. Obligasi Berkelanjutan V A 1.193.027 idAAA 3,50% 27 May 2021 5 April 2023
Federal International Finance Pefindo May 27, 2021 April 5, 2023
dengan Tingkat Bunga Tetap AAA(idn)
Tahap III Tahun 2022 Fitch
B 806.973 5,60% 25 Maret 2025
Federal International Finance
March 25, 2025
Shelf Registration Bonds
V with Fixed Interest Rate
Phase III Year 2022
Sub Total 2.000.000
29. Obligasi Berkelanjutan V A 500.760 idAAA 5,00% 27 May 2021 8 November
Federal International Finance Pefindo May 27, 2021 2023
Tingkat Bunga Tetap Tahap AAA(idn) November 8,
IV Tahun 2022 Fitch 2023
Federal International Finance
Shelf Registration Bonds B 676.240 6,80% 28 Oktober 2025
V with Fixed Interest Rate October 28,
Phase IV Year 2022 2025
Sub Total 1.177.000
30. Obligasi Berkelanjutan V A 1.035.223 idAAA 6,00% 27 May 2021 5 Maret 2024
Federal International Finance Pefindo May 27, 2021 March 5, 2024
Dengan Tingkat Bunga Tetap AAA(idn)
Tahap V Tahun 2023 Fitch
B 1.964.777 6,80% 24 Februari 2026
Federal International Finance
February 24,
Shelf Registration Bonds
2026
V with Fixed Interest Rate
Phase V Year 2023
Sub Total 3.000.000
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Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
31. Obligasi Berkelanjutan VI A 566.150 idAAA 5,50% 27 Juni 2023 21 Juli 2024
Federal International Finance Pefindo June 27, 2023 July 21, 2024
Dengan Tingkat Bunga Tetap
Tahap I Tahun 2023
B 433.850 6,00% 11 Juli 2026
Federal International Finance
July 11, 2026
Shelf Registration Bonds
VI with Fixed Interest Rate
Phase I Year 2023
Sub Total 1.000.000
32. Obligasi Berkelanjutan VI A 849.216 idAAA 6,40% 27 Juni 2023 26 November
Federal International Finance Pefindo June 27, 2023 2024
Dengan Tingkat Bunga Tetap November 26,
Tahap II Tahun 2023 2024
Federal International Finance
Shelf Registration Bonds B 250.784 6,75% 16 November
VI with Fixed Interest Rate 2026
Phase II Year 2023 November 16,
2026
Sub Total 1.100.000
Total 56.587.763
Pencatatan Obligasi Tahun 2024
Bond Listing in 2024
Nilai
Nominal Tingkat
Tanggal Jatuh
Nama Obligasi Seri (Rp Juta) Peringkat Suku
No. Efektif Tempo
Bonds Name Series Nominal Rating Bunga
Effective Date Maturity Date
Value (Rp Interest Rate
Million)
1. Obligasi Berkelanjutan VI Federal A 1.109.437 idAAA 6,40% 2 April 2024 12 April 2025
International Finance Dengan Pefindo April 2, 2024 April 12, 2025
Tingkat Bunga Tetap Tahap III
Tahun 2024
B 890.563 6,55% 2 April 2027
Federal International Finance
April 2, 2027
Shelf Registration Bonds VI with
Fixed Interest Rate Phase III Year
2024
Sub Total 2.000.000
2 Obligasi Berkelanjutan VI Federal A 1.252.174 idAAA 6,55% 6 September 16 September
International Finance Dengan Pefindo 2024 2025
Tingkat Bunga Tetap Tahap IV September 6, September 16,
Tahun 2024 2024 2025
Federal International Finance
Shelf Registration Bonds VI with B 1.247.826 6,90% 6 September
Fixed Interest Rate Phase IV Year 2027
2024 September 6,
2027
Sub Total 2.500.000
Total 4.500.000
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Profil Perusahaan
Company Profile
Informasi Penggunaan Jasa Akuntan Publik (AP)
dan Kantor Akuntan Publik (KAP)
Information on the Use of Public Accountant Services (AP) and Public Accounting Firm (KAP)
Berdasarkan usulan Dewan Komisaris Perseroan yang Based on the proposal of the Company's Board of
mempertimbangkan rekomendasi Komite Audit, pemegang Commissioners, which considered the recommendation of
saham menunjuk Kantor Akuntan Publik (KAP) Rintis, Jumadi, the Audit Committee, the shareholders appointed Public
Rianto & Rekan (dahulu bernama KAP Tanudiredja, Wibisana, Accounting Firm (KAP) Rintis, Jumadi, Rianto & Rekan (formerly
Rintis & Rekan, Anggota Jaringan PriceWaterhouseCoopers known as KAP Tanudiredja, Wibisana, Rintis & Rekan, Member
Global) yang terdaftar di Otoritas Jasa Keuangan, untuk of PriceWaterhouseCoopers Global Network) registered with
melakukan audit atas Laporan Keuangan Perseroan the Financial Services Authority, to audit the Company's
untuk tahun buku yang berakhir pada 31 Desember 2024. Financial Statements for the fiscal year ending December 31,
Penunjukan ini telah ditetapkan dalam keputusan RUPS 2024. This appointment has been stipulated in the resolution
Tahunan yang diselenggarakan pada 19 April 2024. Informasi of the Annual GMS held on April 19, 2024. More detailed
lebih rinci disajikan pada tabel berikut: information is presented in the following table:
Kantor Akuntan Publik Rintis, Jumadi, Rianto & Rekan
Public Accounting Firm Rintis, Jumadi, Rianto & Rekan
Alamat World Trade Centre Jakarta 3
Address Jl. Jenderal Sudirman Kav 29-31,
Kuningan, Karet, Setiabudi,
South Jakarta City, Jakarta 12920
Nama Akuntan Drs. M. Jusuf Wibisana, M.Ec., CPA dengan izin akuntan Publik No. AP.0222
Name of Accountant Drs. M. Jusuf Wibisana, M.Ec., CPA, with Public Accountant License No. AP.0222
Jasa yang Diberikan Audit Umum atas Laporan Keuangan Tahun Buku 2024
Services Provided General Audit of Financial Statements for Fiscal Year 2024
Periode Fiscal Year 2024
Period
Biaya Jasa Audit Rp2.319.933.805
Audit Service Fee
Biaya Jasa Non-Audit Rp45.000.000
( jika ada)
Non-Audit Service Fee (if
any)
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Lembaga dan/atau Profesi Penunjang
Supporting Institutions and/or Profession
Lembaga Pemeringkat
Rating Agencies
Nama Lembaga PT Pemeringkat Efek Indonesia (PEFINDO)
Name of Institution
Alamat Equity Tower 30th Floor
Address Sudirman Central Business District, Lot. 9
Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190
Jasa yang Diberikan Jasa pemeringkatan atas Obligasi
Service Provided Rating services for debt instrument (Bond)
Periode Tahun 2024
Period 2024
Nama Lembaga PT Fitch Ratings Indonesia
Name of Institution
Alamat DBS Bank Tower Lantai 24 | 24th Floor Suite 2403
Address Jl. Prof. Dr. Satrio Kav. 3-5, Jakarta 12940
Jasa yang Diberikan Jasa pemeringkatan atas Obligasi
Service Provided Rating services for debt instrument (Bond)
Periode Tahun 2024
Period 2024
Wali Amanat
Trustee
Nama Lembaga PT Bank Rakyat Indonesia (Persero) Tbk
Name of Institution
Alamat Gedung BRI II Lantai 6 | 6th floor
Address Jl. Jend. Sudirman Kav. 44-46,
Jakarta 10210
Jasa yang Diberikan Mewakili kepentingan Pemegang Obligasi baik di dalam maupun di luar pengadilan mengenai
Service Provided pelaksanaan hak-hak Pemegang Obligasi sesuai dengan syarat-syarat Obligasi dengan
memperhatikan ketentuan-ketentuan yang tercantum dalam Perjanjian Perwaliamanatan serta
peraturan perundang-undangan yang berlaku.
Representing the Bondholders’ interests both within and outside the court regarding the exercise of
bondholders’ rights in accordance with the bond terms, taking into account the provisions stipulated in
the Trust Deed and applicable regulations.
Periode Tahun 2024
Period 2024
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Profil Perusahaan
Company Profile
Notaris
Notary
Nama Fathiah Helmi, S.H.
Name
Alamat Graha Irama, Lantai 6 | 6th Floor, Ruang 6 C | Room 6 C
Address Jl. H.R. Rasuna Said X-1 Kav. 1 & 2,
Kuningan, Jakarta 12950
Jasa yang Diberikan Membuat akta-akta dalam rangka Penawaran Umum Berkelanjutan, sesuai dengan peraturan jabatan
Service Provided notaris dan kode etik notaris, antara lain Perjanjian Perwaliamanatan, Pengakuan Hutang, Perjanjian
Agen Pembayaran dan Perjanjian Penjaminan Emisi Obligasi serta akta-akta pengubahannya.
Drafting deeds in the context of Shelf Offering, in accordance with notarial regulations and notarial
code of ethics, including Deed of Establishment, Acknowledgement of Debt, Agency Payment
Agreement, Bond Issuance Guarantee Agreement, and their respective amendments.
Periode Tahun 2024
Period 2024
Konsultan Hukum
Legal Consultant
Nama Lembaga Thamrin & Rekan (TR&Co.)
Name of Institution
Alamat Menara Kuningan Lt. 9 dan 12 | 9th and 12th floor
Address Jl. H.R. Rasuna Said Blok X-7 Kav. 5
Jakarta 12940, Indonesia
Jasa yang Diberikan Dalam rangka Penawaran Umum Berkelanjutan, melakukan pemeriksaan dan penelitian dengan
Service Provided kemampuan terbaik yang dimilikinya atas fakta dari segi hukum yang ada mengenai Perseroan dan
keterangan lain yang berhubungan dengan itu sebagaimana disampaikan oleh Perseroan.
In the context of Shelf Offering, conducting thorough assessments and research, leveraging its utmost
capabilities, regarding the legal aspects pertaining to the Company and other relevant information
provided by the Company.
Periode Tahun 2024
Period 2024
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Informasi pada Situs Web Perseroan
Information on the Company's Website
Komitmen Perseroan dalam menjalankan bisnis pembiayaan The Company's commitment in running a responsible financing
yang bertanggung jawab ditunjukkan dengan memastikan business is demonstrated by ensuring transparent information
keterbukaan informasi yang transparan kepada para disclosure to stakeholders regarding the Company's financial
pemangku kepentingan terkait kinerja keuangan ataupun and non-financial performance. Consequently, the Company
non-keuangan Perseroan. Oleh sebab itu, Perseroan has provided various communication channels to disseminate
telah menyediakan beragam kanal komunikasi untuk the latest information about the Company, one of which is
menyebarluaskan informasi terkini mengenai Perseroan, salah through the official website, accessible at www.fifgroup.co.id.
satunya melalui situs web resmi yang dapat diakses pada The management of the Company's website is performed in
tautan www.fifgroup.co.id. Pengelolaan situs web Perseroan accordance with the provisions of POJK No. 8/POJK.04/2015
dilakukan sesuai ketentuan POJK No. 8/POJK.04/2015 (“POJK (“POJK 8/2015”) concerning Issuers’ or Public Companies’
8/2015”) tentang Situs Web Emiten atau Perusahaan Publik. Websites.
Seluruh informasi yang tersaji pada laman web Perseroan All information presented on the Company's website is
ditampilkan dalam 2 (dua) bahasa, yaitu Bahasa Indonesia available in 2 (two) languages, namely Indonesian and
dan Bahasa Inggris. Berikut ini adalah sejumlah informasi English. Below are some of the types of information that
yang dapat diakses pada situs web Perseroan: can be accessed on the Company’s website:
Beranda | Homepage www.fifgroup.co.id
Menyajikan informasi utama mengenai layanan pembiayaan Provides key information about the financing services offered,
yang ditawarkan, termasuk pembiayaan motor baru, multi including new motorcycle financing, multi-product, multipurpose,
produk, multiguna, usaha mikro, serta haji dan umroh. micro business, as well as Hajj and Umrah financing.
Layanan Kami | Our Services www.fifgroup.co.id/services
Menampilkan berbagai produk dan layanan pembiayaan, Displays various financing products and services, such as:
seperti:
• FIFASTRA • FIFASTRA
https://fifgroup.co.id/fifastra https://fifgroup.co.id/fifastra
Menyajikan informasi mengenai pembiayaan sepeda Provides information on Honda motorcycles financing.
motor Honda.
• DANASTRA • DANASTRA
https://fifgroup.co.id/danastra https://fifgroup.co.id/danastra
Menyajikan informasi mengenai pembiayaan multiguna Provides information on multipurpose financing for
untuk berbagai kebutuhan konsumen. various consumer needs.
• SPEKTRA • SPEKTRA
https://fifgroup.co.id/spektra https://fifgroup.co.id/spektra
Menyajikan informasi mengenai pembiayaan untuk produk Provides information on financing for electronic products,
elektronik, perabot rumah tangga, dan kebutuhan lainnya. household appliances, and other necessities.
• FINATRA • FINATRA
https://fifgroup.co.id/finatra https://fifgroup.co.id/finatra
Menyajikan informasi mengenai pembiayaan produktif Provides information on productive financing for micro,
bagi pelaku usaha mikro, kecil, dan menengah (UMKM). small, and medium enterprises (MSMEs).
• AMITRA • AMITRA
https://fifgroup.co.id/amitra https://fifgroup.co.id/amitra
Menyajikan informasi mengenai pembiayaan syariah Provides information on sharia financing for Hajj, Umrah,
untuk haji, umroh, dan produk lainnya. and other products.
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Profil Perusahaan
Company Profile
Informasi Perusahaan | Company Information https://fifgroup.co.id/informasi-perusahaan
Halaman ini menyediakan berbagai informasi mengenai This page provides various information about PT Federal
PT Federal International Finance (FIFGROUP), termasuk: International Finance (FIFGROUP), including:
• Profil Perusahaan • Company Profile
https://fifgroup.co.id/informasi-perusahaan/informasi-umum https://fifgroup.co.id/informasi-perusahaan/informasi-umum
Menyajikan informasi mengenai profil perusahaan, visi Provides information about the company profile, vision
dan misi, serta sejarah singkat FIFGROUP. and mission, and a brief history of FIFGROUP.
• Hubungan Investor • Investor Relations
https://fifgroup.co.id/informasi-perusahaan/hubungan-investor https://fifgroup.co.id/informasi-perusahaan/hubungan-investor
Menyajikan informasi mengenai laporan keuangan, Provides information on financial reports, annual reports,
laporan tahunan, laporan keberlanjutan, dan sustainability reports, and prospectus documents.
dokumen prospektus.
• Informasi Tata Kelola • Governance Information
https://fifgroup.co.id/informasi-perusahaan/informasi-tata-kelola https://fifgroup.co.id/informasi-perusahaan/informasi-tata-kelola
Menyajikan informasi mengenai tata kelola perusahaan, Provides information on corporate governance, including
termasuk struktur organisasi, profil direksi dan dewan organizational structure, profiles of the board of directors
komisaris, serta kebijakan manajemen risiko. and board of commissioners, and risk management policies.
Berita Korporasi | Corporate News www.fifgroup.co.id/news
Halaman ini menampilkan berbagai informasi terkini This page displays various updates regarding FIFGROUP’s
mengenai aktivitas dan pencapaian FIFGROUP, meliputi: activities and achievements, including:
• Berita CSR • CSR News
https://fifgroup.co.id/berita/csr https://fifgroup.co.id/berita/csr
Menyajikan informasi mengenai kegiatan Corporate Provides information on Corporate Social Responsibility
Social Responsibility yang dilakukan oleh FIFGROUP. activities conducted by FIFGROUP.
• Siaran Pers • Press Releases
https://fifgroup.co.id/berita/siaran-pers https://fifgroup.co.id/berita/siaran-pers
Menyajikan informasi mengenai rilis resmi Perseroan Provides official releases from the Company
terkait berbagai kegiatan, pencapaian, dan informasi regarding various activities, achievements, and other
penting lainnya. important information.
• Artikel • Articles
https://fifgroup.co.id/berita/artikel https://fifgroup.co.id/berita/artikel
Menyajikan artikel yang membahas berbagai topik terkait Provides articles discussing various topics related
industri pembiayaan, inovasi, dan perkembangan terbaru to the financing industry, innovation, and the latest
di FIFGROUP. developments at FIFGROUP.
Karier | Career https://karir-rise.fifgroup.co.id
Menyajikan informasi mengenai peluang karier dan Menyajikan informasi mengenai peluang karier dan
lowongan pekerjaan di FIFGROUP. lowongan pekerjaan di FIFGROUP.
Kontak Kami | Contact Us https://fifgroup.co.id/kontak-kami
Menyediakan informasi kontak, termasuk alamat kantor Provides contact information, including head office address,
pusat, nomor telepon, dan email untuk keperluan komunikasi. phone number, and email for communication purposes.
Pameran Virtual | Virtual Exhibition https://virtual.fifgroup.co.id/
Melalui tautan ini, pengunjung dapat mengakses pameran Through this link, visitors can access a virtual exhibition
virtual yang menampilkan produk dan layanan FIFGROUP that displays FIFGROUP products and services interactively.
secara interaktif.
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Tinjauan Fungsi Pendukung
Supporting Function Overview
Tinjauan
Fungsi
Pendukung
Supporting Function
Overview
04
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Sumber Daya Manusia
Human Capital
Persaingan pasar global yang semakin dinamis mendorong transformasi di seluruh level
dan unit bisnis. Perseroan menjawab tantangan ini dengan menekankan pentingnya
profesionalisme dalam pengambilan keputusan dan inovasi berkelanjutan.
The increasingly dynamic global market competition drives transformation at all levels and
business units. The Company responds to this challenge by emphasizing the importance of
professionalism in decision-making and continuous innovation.
Perseroan menempatkan aspek SDM sebagai faktor penting The Company places the Human Capital (HC) aspect
yang mendukung pencapaian kinerja usaha perusahaan as an important factor that supports the achievement
secara berkesinambungan. Hal ini dilakukan untuk of the Company's business performance on an ongoing
menghadapi perkembangan industri multifinance yang basis. This is done to address the massive development
begitu masif dari waktu ke waktu, sehingga Perseroan dapat of the multifinance industry over time, allowing the
beradaptasi dan melakukan inovasi berkelanjutan guna Company to adapt and innovate continuously to maintain
mempertahankan daya saing yang kuat dan memberikan strong competitiveness and deliver the best outputs for
output terbaik bagi para pemangku kepentingan. stakeholders.
Perseroan menerapkan prinsip “Organization Agility” The Company applies the principle of “Organization Agility”
untuk mendorong ketangkasan karyawan dalam to encourage employee's agility in actualizing the best
mengaktualisasikan performa terbaik sesuai kapasitas performance according to their capacities and functions.
dan fungsinya. Pendekatan ini memastikan SDM mampu This approach ensures that human capital is able to deal
menghadapi dinamika industri yang terus berkembang. with the evolving dynamics of the industry.
Di tahun 2024, Perseroan melanjutkan komitmen In 2024, the Company continues its commitment to HC
pengembangan SDM melalui program FIFGROUP Young development through the FIFGROUP Young Leader (FYL)
Leader (FYL) 2024, yang mencakup pelatihan komprehensif 2024 program, which includes comprehensive training and
serta memberikan kesempatan magang dengan prospek offers internship opportunities with career development
pengembangan karier di Perseroan. prospects in the Company.
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Supporting Function Overview
KEBIJAKAN PENGELOLAAN SDM DI PERSEROAN THE COMPANY'S HC MANAGEMENT POLICY
Perseroan berkomitmen untuk terus berinvestasi pada SDM The Company is committed to continuously investing in
melalui inisiatif pengelolaan dan pengembangan kompetensi HC through comprehensive competency management and
yang komprehensif, sebagai langkah strategis dalam development initiatives as a strategic step to support the
mendukung keberlanjutan kinerja usaha. Selain itu, upaya sustainability of business performance. Additionally, efforts to
mempertahankan eksistensi di tengah industri diwujudkan maintain its presence in the industry are realized by building
dengan membangun fondasi organisasi yang solid melalui a solid organizational foundation through the implementation
penerapan tata kelola yang baik serta strategi pengelolaan of good governance and adaptive, flexible, and measurable
SDM yang adaptif, fleksibel, dan terukur, sebagai respons HC management strategies in response to the dynamically
terhadap lanskap bisnis yang terus berubah secara dinamis. changing business landscape.
Perseroan menerapkan kebijakan pengelolaan Sumber The Company implements a Human Capital (HC)
Daya Manusia (SDM) yang berlandaskan semangat TEAM: management policy based on the TEAM spirit: Teamwork,
Teamwork, Excellence, Achieving, dan Moving Forward. Excellence, Achieving, and Moving Forward. This policy
Kebijakan ini menjadi pedoman dalam perencanaan serves as a guideline in placement planning, assignment of
penempatan, penetapan tugas dan tanggung jawab, serta duties and responsibilities, and development of HR quality
pengembangan kualitas SDM dirancang secara efektif untuk designed effectively to support the Company's vision,
mendukung visi, misi, dan strategi Perseroan di tingkat mission, and strategies at both national and global levels.
nasional maupun global.
Pengelolaan SDM di Perseroan didasarkan pada People HC management in the Company is based on People
Strategy yang mencakup: Strategy which includes:
1. Organization Readiness 1. Organization Readiness
Mencakup upaya-upaya untuk memastikan organisasi Including the efforts to ensure the Company’s organization
Perseroan siap untuk mengakomodasi perkembangan is ready to accommodate future business developments.
usahanya ke depan.
2. People & Leadership Readiness 2. People & Leadership Readiness
Mencakup berbagai program perekrutan, pengembangan Including various recruitment, development, and
dan pengelolaan kinerja serta langkah-langkah performance management programs.
pengembangan sumber daya untuk posisi-posisi strategis.
3. Support & System Readiness 3. Support & System Readiness
Mengoptimalkan penggunaan teknologi untuk Optimizing the use of technology to support the
mendukung digitalisasi fungsi Human Capital, termasuk digitalization of Human Capital functions, including the
implementasi sistem informasi SDM yang terintegrasi. implementation of an integrated HC information system
4. Industrial Relations Readiness 4. Industrial Relations Readiness
Mengupayakan terciptanya suasana organisasi yang Striving to create a harmonious organizational
harmonis sehingga menciptakan kenyamanan dalam atmosphere for a comfortable daily work life.
kehidupan kerja sehari-hari.
Pada tahun 2024, Perseroan terus menunjukkan In 2024, the Company continues to demonstrate its
komitmennya dalam pengembangan SDM melalui berbagai commitment to HC development through various strategic
inisiatif strategis untuk mendorong pertumbuhan kinerja initiatives to drive performance growth and support long-
dan mendukung keberlanjutan bisnis secara berkelanjutan. term business sustainability.
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STRUKTUR ORGANISASI PENGELOLA SDM ORGANIZATIONAL STRUCTURE OF HUMAN
CAPITAL MANAGEMENT
Pengelolaan Sumber Daya Manusia (SDM) di Perseroan The management of Human Capital (HC) in the Company
berada di bawah tanggung jawab Divisi Human Capital, is the responsibility of the Human Capital Division, led by
yang dipimpin oleh Kepala Divisi Human Capital. Divisi ini the Head of the Human Capital Division. This division is
didukung oleh Departemen Human Capital Organization supported by the Department of Human Capital Organization
Development (HCOD), Human Capital Recruitment Talent Development (HCOD), Department of Human Capital
and Career Management (HCRTCM), Human Capital Recruitment Talent and Career Management (HCRTCM),
Learning and People Development (HCLPD), Human Capital Department of Human Capital Learning and People
Performance Reward and Operation Support (HCPROS), Development (HCLPD), Department of Human Capital
Human Capital Industrial Relation (HCIR), dan Human Performance Reward and Operation Support (HCPROS),
Capital Corporate Culture Employer Branding and Digital Department of Human Capital Industrial Relation (HCIR), and
Management (HCCBD). Department of Human Capital Corporate Culture Employer
Branding and Digital Management (HCCBD).
Struktur organisasi Divisi Human Capital per 31 Desember The organizational structure of the Human Capital Division as
2024 diuraikan pada bagan berikut: of December 31, 2024, is outlined in the following diagram:
Bagan Struktur Organisasi Divisi Human Capital
Organizational Structure Chart of Human Capital Division
Board of Directors
Prresident Director : Siswadi
Director : Indra Gunawan
Director : Setia Budi
Director : Sri Harjati
Director : Valentina Chai Wei Li
Director : Daniel Hartono
President Director
Director in Charge
Human Capital Division
HC Corporate
HC Performance,
HC Recruitment, HC Learning Culture, Employer
HC Organization Reward, HC Industrial
Talent, and Career and People Branding
Development Operation Relation
Management Development and Digital
Department and Services Department
Department Department Management
Department
Department
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PROFIL KEPALA DIVISI HUMAN CAPITAL HEAD OF HUMAN CAPITAL DIVISION PROFILE
ARLIEN VIRGINIA JONATHAN
Kepala Divisi Human Capital | Head of Human Capital Division
Usia | Age Kewarganegaraan | Citizenship
45 tahun | years Indonesia
Dasar Pengangkatan Surat Keputusan Direksi No. 020/PROMO/SK-HC/V/2020 Tanggal 1 Juni 2020
Legal Basis of Appointment Decree of the Board of Directors No. 020/PROMO/SK-HC/V/2020 dated
June 1, 2020
Riwayat Pendidikan Sarjana Psikologi dari Universitas Atmajaya (2001)
Educational Background Bachelor of Psychology from Atmajaya University (2001)
Riwayat Pekerjaan • Human Capital Organization Development Dept Head
Career History • Recruitment, Talent, & Reward Dept Head
• Recruitment & Talent Sub Dept Head
• Human Resources Officer
PENGEMBANGAN DAN KESIAPAN ORGANISASI ORGANIZATION DEVELOPMENT AND READINESS
Pengembangan Organisasi Organization Development
Persaingan pasar global yang semakin dinamis mendorong The increasingly dynamic global market competition
transformasi di seluruh level dan unit bisnis. Perseroan drives transformation at all levels and business units. The
menjawab tantangan ini dengan menekankan pentingnya Company responds to this challenge by emphasizing the
profesionalisme dalam pengambilan keputusan dan importance of professionalism in decision-making and
inovasi berkelanjutan. Sebagai bagian dari upaya adaptasi, continuous innovation. As part of the adaptation effort, the
Perseroan secara konsisten mengevaluasi struktur organisasi Company consistently evaluates its organizational structure
untuk memastikan efisiensi alur kerja dan relevansi terhadap to ensure workflow efficiency and relevance to evolving
kebutuhan bisnis yang terus berkembang. business needs.
Untuk itu, Perseroan menciptakan alur kerja yang lebih Therefore, the Company has established a more responsive
responsif dan efektif, memungkinkan setiap fungsi kerja untuk and effective workflow, allowing each functional unit to
memberikan kontribusi optimal. Evaluasi dan penyesuaian contribute optimally. These evaluations and adjustments
ini dilakukan dengan mengacu pada framework terintegrasi are made with reference to an integrated framework that
yang mendukung pertumbuhan dan keberlanjutan bisnis. supports business growth and sustainability. The framework
Framework tersebut dapat dilihat pada bagan berikut: can be summarized in the following chart:
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Framework Pengembangan Organisasi FIFGROUP
FIFGROUP Organization Development Framework
• Business Process Mapping • Work Analysis
• Job Analysis • Productivity Standard
• Job Evaluation • Productivity Report
• Structure Organization
Organization Productivity
Design Measurement
Change Competency
Management Management
• Organization Change Initiatives • Job Competency
• Socialization of Change • Model Development (Soft &
• Change Implementation Technical Competencies)
Kesiapan Kepemimpinan dan Regenerasi Leadership Readiness and Regeneration
Perseroan terus berkomitmen untuk memastikan The Company remains committed to ensuring leadership
keberlanjutan kepemimpinan melalui program Talent sustainability through the Talent Management program,
Management yang telah diterapkan sejak 2009. Program which has been implemented since 2009. This program
ini dirancang untuk mengidentifikasi karyawan berpotensi is designed to identify high-potential employees and
tinggi dan mempersiapkannya sebagai calon pemimpin masa prepare them as future leaders. Through performance and
depan. Melalui pemetaan kinerja dan kompetensi, Perseroan competency mapping, the Company ensures that leadership
memastikan regenerasi kepemimpinan berlangsung secara regeneration is planned and aligned with the Company's
terencana dan sesuai dengan kebutuhan strategis Perseroan. strategic needs.
Talent Management Framework menjadi pedoman utama The Talent Management Framework serves as the primary
dalam mengelola siklus hidup karyawan, mulai dari proses guide for managing the employee lifecycle, from recruitment,
rekrutmen, pengembangan, hingga retensi. Framework development, to retention. This framework is designed
ini dirancang agar selaras dengan tujuan jangka panjang to align with the Company’s long-term objectives and
Perseroan, serta dapat membentuk pemimpin yang mampu to cultivate leaders who can address modern business
menjawab tantangan bisnis modern dengan kompetensi challenges with relevant competencies.
yang relevan.
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Supporting Function Overview
Sebagai bagian dari implementasi, Perseroan menyiapkan As part of its implementation, the Company has established
jalur karier khusus bagi karyawan yang terpilih sebagai a dedicated career path for employees identified as talents,
talent di Kantor Pusat maupun Cabang. Proses ini dilakukan both at the Head Office and Branch Offices. This process
melalui komite tahunan yang bertugas menentukan kandidat is carried out through an annual committee responsible for
pengganti untuk jabatan strategis, mulai dari Department determining successor candidates for strategic positions,
Head hingga Direksi. Setiap jabatan diproyeksikan memiliki ranging from Department Heads to Board of Directors.
setidaknya tiga kandidat pengganti, yang dikategorikan Each position is projected to have at least three successor
ke dalam kandidat jangka pendek (Short-Term Candidate candidates, categorized into short-term (Short-Term
– STC), menengah (Medium-Term Candidate – MTC), dan Candidate – STC), medium-term (Medium-Term Candidate
panjang (Long-Term Candidate – LTC). Hanya karyawan – MTC), and long-term (Long-Term Candidate – LTC). Only
yang telah diidentifikasi sebagai talent yang dapat employees identified as Talent can be considered as Short-
dipertimbangkan sebagai kandidat Short-Term. Term candidates.
Penjabaran lebih lanjut mengenai Talent Management Further details regarding the Talent Management Framework
Framework dapat dilihat pada bagan berikut: can be seen in the following chart:
Succession
Planning RTC
Talent Talent Talent
Mapping Development Retention
Human Asset Individual Compensation &
Value (HAV) Development Benefit Package
Plan (IDP)
Career & Talent Infomation System (CATIS)
FOKUS PENGELOLAAN SDM TAHUN 2024 HC MANAGEMENT FOCUS IN 2024
Pengelolaan Sumber Daya Manusia (SDM) pada tahun 2024 Human Capital (HC) management in 2024 is the Company's
menjadi prioritas Perseroan dalam menghadapi perubahan priority in facing industry changes and ensuring business
industri dan memastikan keberlanjutan bisnis. Strategi sustainability. The HC management strategy is designed
pengelolaan SDM dirancang untuk mendukung pertumbuhan to support the professional growth of employees, aligning
karyawan secara profesional, selaras dengan tujuan strategis with the Company's strategic objectives. Various initiatives
Perseroan. Berbagai inisiatif difokuskan pada pengembangan are focused on developing competencies, improving
kompetensi, peningkatan efisiensi, dan penciptaan lingkungan efficiency, and creating a conducive work environment to
kerja yang kondusif untuk mendorong produktivitas. drive productivity.
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Perseroan menerapkan prinsip pengelolaan SDM yang The Company applies HC management principles that
mengutamakan kesetaraan dan sikap non-diskriminatif. prioritize equality and non-discrimination. Every employee
Setiap karyawan memiliki hak yang sama untuk mengikuti has equal rights to career development opportunities,
pengembangan karier, memperoleh penilaian kinerja yang transparent performance assessments, and the right to
transparan, dan berserikat tanpa membedakan gender, suku, organize without distinguishing gender, ethnicity, race,
ras, agama, maupun golongan. Seluruh hak diberikan secara religion, or social group. All rights are granted fairly and
adil dan objektif, menciptakan lingkungan kerja yang inklusif objectively, creating an inclusive and conducive work
dan kondusif bagi seluruh insan Perseroan. environment for all employees.
Perseroan menyelaraskan pengelolaan SDM dengan The Company aligns HC management with short-term and
strategi jangka pendek dan jangka panjang berdasarkan long-term strategies based on a comprehensive analysis of
analisis komprehensif terhadap aspek krusial dalam crucial aspects in employees' career journeys. These aspects
perjalanan karier karyawan. Aspek ini meliputi peningkatan include competency enhancement, succession planning,
kompetensi, perencanaan suksesi, pendidikan, kepuasan education, job satisfaction, well-being, and retirement
kerja, kesejahteraan, hingga dukungan pada masa pensiun. support. This approach aims to build an adaptive mentality,
Pendekatan ini bertujuan membangun mentalitas adaptif, agile ability to seize opportunities, and sustainable growth
kemampuan tangkas dalam menangkap peluang, serta for employees and the Company.
menciptakan pertumbuhan berkelanjutan bagi karyawan
dan Perseroan.
Pada tahun 2024, Pengelolaan SDM tersebut diwujudkan In 2024, HC Management is realized through several main
melalui beberapa fokus utama dalam pengelolaan SDM, focuses in HC management, including:
yaitu:
1. Mempertahankan Produktivitas dan Inovasi sebagai 1. Sustaining Productivity and Innovation as Growth Enablers;
Pendorong Pertumbuhan;
2. Mengelola Ekosistem Talenta untuk Menjamin 2. Managing Talent Ecosystem to Ensure Leadership
Keberlanjutan Kepemimpinan; Succession;
3. Mendorong Lingkungan Kerja Dinamis dan Aspirasi 3. Promoting Dynamic Workplace and Sustainability
Keberlanjutan; dan Aspiration; and
4. Mengoptimalkan Transformasi Digital. 4. Optimizing Digital Transformation.
Untuk memastikan pengelolaan SDM tahun 2024 berjalan To ensure that HC management in 2024 is implemented
optimal, Perseroan melakukan kontrol dan analisis optimally, the Company has conducted comprehensive
produktivitas karyawan secara menyeluruh, khususnya control and analysis of employee productivity, specifically
pada beberapa fungsi utama berikut: in the following main functions:
1. Produktivitas pada fungsi pemasaran di setiap Line 1. Productivity in the marketing function per Line
of Business; of Business;
2. Produktivitas pada fungsi akuisisi kredit; dan 2. Productivity in the credit acquisition function; and
3. Produktivitas pada fungsi collection dan remedial. 3. Productivity in the collection and remedial functions.
Langkah ini dilakukan untuk memastikan efektivitas dan This step was taken to ensure the effectiveness and
efisiensi kerja di setiap fungsi, mendukung pencapaian target efficiency of work in each function, support the achievement
operasional, serta meningkatkan daya saing Perseroan of operational targets, and improve the Company's
secara keseluruhan. overall competitiveness.
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REKRUTMEN DAN SELEKSI SDM RECRUITMENT AND SELECTION OF HC
Strategi dan Inovasi dalam Proses Rekrutmen Strategies and Innovations in the Recruitment
Process
Perseroan memandang proses rekrutmen sebagai langkah process as a strategic step to create a superior and
strategis untuk menciptakan ekosistem Sumber Daya competitive Human Capital (HC) ecosystem. To meet the
Manusia (SDM) yang unggul dan kompetitif. Dalam rangka demand for high-quality HC, the Company has developed
memenuhi kebutuhan akan SDM berkualitas, Perseroan a comprehensive and procedural recruitment process
mengembangkan proses rekrutmen yang komprehensif, designed to attract competent talents that aligns with the
sistematis, dan berbasis teknologi. Proses ini dirancang requirements of each position. This process also aims to
untuk menjaring talenta terbaik yang sesuai dengan strengthen the talent pool as a strategic resource for the
kebutuhan setiap jabatan, sekaligus memperkuat talent Company's business sustainability.
pool sebagai sumber daya strategis yang mendukung
keberlanjutan bisnis Perseroan.
Melalui penerapan teknologi digital, Perseroan telah Through the implementation of digital technology, the
mengintegrasikan sistem e-recruitment yang mencakup Company has integrated an e-recruitment system covering
berbagai tahapan. Sistem ini dirancang untuk meningkatkan various stages. This system is designed to enhance the
efisiensi proses rekrutmen serta memastikan transparansi efficiency of the recruitment process while ensuring
dan akuntabilitas di setiap tahapannya. Dengan digitalisasi transparency and accountability at every stage. With
yang berkelanjutan, Perseroan mampu menyederhanakan sustainable digitalization, the Company is able to simplify
proses rekrutmen sekaligus memberikan pengalaman yang the recruitment process while providing a better experience
lebih baik bagi kandidat. for candidates.
Pada tahap awal, kandidat memulai proses dengan In the initial stage, candidates begin the process with
Pendaftaran (Register) dan dilanjutkan dengan Prescreening Registration and followed by Prescreening to assess
untuk menilai kelayakan awal. Selanjutnya, kandidat preliminary eligibility. After that, candidates take an Online
mengikuti Online Test yang dapat dilakukan di mana saja, Test, which can be completed from anywhere, and proceed
dilanjutkan dengan pengisian Application Form (Formulir to fill out the Application Form. The subsequent stage
Lamaran). Tahapan berikutnya adalah Wawancara (User & involves Interviews (User & HC Interview). This is followed
HC Interview), yang kemudian dilanjutkan dengan tahap by the Board of Directors (BoD) Interview, performed through
Wawancara Direksi (BoD Interview) menggunakan metode video conferencing. Candidates who successfully pass
wawancara video konferensi. Kandidat yang lolos akan these stages will receive a Job Offering, undergo a Medical
menerima Penawaran Kerja (Job Offering), menjalani Check-Up, and complete the recruitment process with an
Pemeriksaan Kesehatan (Medical Check-Up), dan proses online Contract Signing.
rekrutmen diakhiri dengan Penandatanganan Kontrak
(Contract Signing) secara online.
Alur proses e-recruitment yang dilaksanakan Perseroan The flow of the e-recruitment process implemented by the
dapat dilihat pada bagan berikut ini: Company is illustrated in the diagram below:
Application User & HC
Register Prescreening Online Test
Form Interview
Contract Signing Board of Director
Medical Job Interview
Online Offering
All Benefit, Active Check Up Offering (Video Conference
Duration 1 Day Interview)
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Realisasi Proses Rekrutmen Tahun 2024 Recruitment Process Realization in 2024
Pada tahun 2024, melalui alur proses rekrutmen yang In 2024, through a structured and digital-based recruitment
terstruktur dan berbasis digital, Perseroan berhasil merekrut process, the Company successfully recruited a total of 2,906
sebanyak 2.906 karyawan baru. Rekrutmen ini dilakukan new employees. This recruitment was carried out to fill
untuk mengisi berbagai posisi di tingkat jabatan strategis various positions at both strategic and operational levels, in
maupun operasional, sesuai dengan kebutuhan organisasi accordance with organizational needs to support business
dalam mendukung pertumbuhan dan pengembangan bisnis. growth and development.
KEBIJAKAN PENILAIAN KINERJA KARYAWAN EMPLOYEE PERFORMANCE ASSESSMENT POLICY
Proses Penilaian Kinerja Performance Assessment Process
Perseroan berkomitmen untuk mendorong kinerja terbaik Performance Assessment Process The Company is
setiap karyawan melalui sistem penilaian yang objektif, committed to encouraging the optimal performance of
transparan, dan berkeadilan. Penilaian ini mencakup each employee through an objective, transparent, and fair
evaluasi atas integritas, tanggung jawab, sikap, performa, assessment system. This assessment includes evaluation of
dan produktivitas individu. Hasil dari penilaian digunakan integrity, responsibility, attitude, performance, and individual
untuk menentukan arah karier karyawan, seperti pemberian productivity. The results of the assessment are used to
penghargaan, promosi jabatan, pengelolaan talenta melalui determine the direction of the employee's career, such as
Talent Management, hingga pertimbangan pemberian sanksi awards, promotions, talent management through Talent
jika diperlukan. Management Program, and consideration of sanctions
if necessary.
Proses penilaian dimulai dengan penyusunan Individual The assessment process begins with the preparation of the
Activity Plan (IAP), Individual Performance Plan (IPP), dan Individual Activity Plan (IAP), Individual Performance Plan
Individual Development Plan (IDP) oleh karyawan bersama (IPP), and Individual Development Plan (IDP) by employees
atasannya di awal tahun. IAP berfungsi sebagai rencana and their supervisors at the beginning of the year. IAP serves
kerja, IPP sebagai indikator penilaian kinerja, dan IDP as a work plan, IPP as a performance assessment indicator,
sebagai peta pengembangan kompetensi. Evaluasi dilakukan and IDP as a competency development map. Assessment
melalui mekanisme review bulanan dan sesi Performance is performed through a monthly review mechanism and
& Development Feedback (PDF) dua kali dalam setahun, twice-yearly Performance & Development Feedback (PDF)
yang mencakup coaching & counseling untuk memastikan sessions, which include coaching & counseling to ensure
karyawan tetap berada di jalur pengembangan optimal. employees remain on the optimal development path.
Di akhir tahun, proses penilaian dilakukan melalui mekanisme At the end of the year, the assessment process is completed
Self-Appraisal, dilanjutkan dengan komite penilaian through a Self-Appraisal mechanism, followed by a
berjenjang. Proses ini mengevaluasi hasil pencapaian Key hierarchical committee assessment. This process evaluates
Performance Indicators (KPI), proses kerja, serta penerapan the achievement of Key Performance Indicators (KPIs), work
core values Perseroan dalam keseharian karyawan. Melalui processes, as well as the application of the Company's
penilaian ini, Perseroan terus berupaya mendorong core values in employees' daily activities. Through this
karyawan untuk memberikan kontribusi terbaiknya sejalan assessment, the Company continues to encourage
dengan tujuan strategis Perseroan. employees to deliver their best contribution in line with
the Company's strategic objectives.
Realisasi Penilaian Kinerja Tahun 2024 Performance Assessment Realization in 2024
Hingga 31 Desember 2024, sebanyak 9852 karyawan telah As of December 31, 2024, a total of 9852 employees have
menjalani proses penilaian kinerja. Penilaian ini dilakukan undergone the performance assessment process. This
berdasarkan sistem yang terintegrasi dan mencakup seluruh assessment is done based on an integrated system and
elemen penting dalam pengelolaan kinerja, mulai dari covers all critical elements of performance management,
pemantauan KPI hingga evaluasi soft skill dan kompetensi from KPI monitoring to the evaluation of soft skills and
teknis melalui IDP. technical competencies through IDP.
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Tinjauan Fungsi Pendukung
Supporting Function Overview
KEBIJAKAN REMUNERASI DAN PAKET REMUNERATION POLICY AND EMPLOYEE
KESEJAHTERAAN KARYAWAN WELFARE PACKAGE
Kebijakan Remunerasi Berbasis Prinsip 3P Remuneration Policy Based on 3P Principles
Perseroan berkomitmen untuk menciptakan lingkungan The Company is committed to creating a work environment
kerja yang memperhatikan kesejahteraan karyawan sebagai that prioritizes employee well-being as part of its strategy
bagian dari strategi untuk meningkatkan moral, produktivitas, to enhance morale, productivity and dedication. By
dan dedikasi. Dengan memahami kebutuhan karyawan, understanding employees’ needs, the Company ensures
Perseroan memastikan setiap individu merasa dihargai, that each individual feels valued and is able to give his/her
sehingga mampu memberikan kontribusi terbaiknya. Untuk best contribution. To support this, the Company regularly
mendukung hal ini, Perseroan secara rutin melakukan conducts salary surveys and benchmark studies against
survei upah dan studi tolak ukur daya saing pasar guna market competitiveness to offer attractive and competitive
menawarkan paket remunerasi dan benefit yang menarik remuneration and benefit packages.
dan kompetitif.
Dalam penerapan kebijakan remunerasi, Perseroan In implementing the remuneration policy, the Company
menunjukkan apresiasi kepada karyawan melalui konsep extends its appreciation to employees through a balanced
kompensasi yang berimbang, sesuai dengan peraturan concept of compensation, in accordance with the prevailing
perundang-undangan dan regulasi pengupahan yang laws and wage regulations in each of respective operational
berlaku di masing-masing wilayah kerja. Sistem remunerasi regions. This remuneration system adopts the 3P principles
ini mengadopsi prinsip 3P dari Astra International, yaitu: of Astra International, as follows:
1. Pay for Position 1. Pay for Position
Karyawan dihargai sesuai dengan jabatannya yang Employees are rewarded based on their positions in
sesuai dengan struktur remunerasi Astra Group dan accordance with the remuneration structure of the Astra
kompetitif dengan pasar. Group and competitive with the market.
2. Pay for People 2. Pay for People
Karyawan dihargai sesuai dengan kompetensinya yang Employees are rewarded based on their competence
diperoleh melalui posisinya di dalam kotak Human obtained through their position in the Human Asset
Asset Value. Value grid.
3. Pay for Performance 3. Pay for Performance
Karyawan dihargai sesuai dengan hasil kinerjanya yang Employees are rewarded based on results of
diperoleh melalui Performance Appraisal setiap tahun. their performance achieved through the annual
Performance Appraisal.
Pendekatan 3P ini memastikan keseimbangan antara This 3P approach ensures a balance between internal equity
keadilan internal dan daya saing eksternal, memberikan and external competitiveness, providing a clear foundation
landasan yang jelas dalam menentukan kompensasi for determining employee compensation. This concept is
karyawan. Konsep ini dapat diilustrasikan pada bagan berikut: illustrated in the following diagram:
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PAY FOR POSITION PAY FOR PERSON PAY FOR
PERFORMANCE
Company
Business Process
Strategy
Company KPI &
Target
Organization
Structure
Industrial KPI &
Target
Job Description
Competence Talent Performance
Model Management Evaluation
Job Value Job Grading Individual
Job Competence People Value
Performance
Internal Equity
FIF Salary Individual Salary Performance
Structure Review Reward
External Competitiveness
Astra Compensation
Salary Survey
• Finser Industry
• Cost of Living
• Governance
Regulation
Dari ketiga prinsip remunerasi, konsep Pay for People Of the three remuneration principles, the Pay for People
diterapkan secara khusus untuk karyawan golongan 4-6 concept is exclusively applied to employees in grade levels
yang telah memiliki posisi dalam kerangka Human Asset 4–6 who hold positions within the Human Asset Value
Value. Konsep ini menjadi dasar perhitungan remunerasi framework. This concept is the basis for remuneration
yang dirancang untuk menghargai kompetensi individu calculation designed to fairly reward individual competencies.
secara adil. Perseroan memastikan bahwa penerapan Pay for The Company ensures that the implementation of Pay for
People dilakukan secara transparan dengan sosialisasi yang People is carried out transparently with open communication
terbuka kepada seluruh karyawan, sehingga menciptakan to all employees, thus creating a clear understanding and
pemahaman yang jelas dan mendukung budaya kerja supporting an inclusive work culture.
yang inklusif.
Fasilitas dan Jaminan Kesejahteraan Karyawan Employee Facilities and Welfare Benefits
Selain memberikan upah yang kompetitif, Perseroan In addition to providing competitive wages, the Company
memastikan kesejahteraan karyawan melalui berbagai ensures employee welfare through various facilities and
fasilitas dan jaminan yang dirancang secara adil, berdasarkan benefits that are designed equitably, based on individual
kontribusi dan nilai pekerjaan masing-masing. Komponen contributions and job value. The components of benefits
tunjangan dan jaminan kesejahteraan yang diterima and welfare guarantees received by employees include:
karyawan mencakup:
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Tinjauan Fungsi Pendukung
Supporting Function Overview
1. Tunjangan Hari Raya; 1. Holiday Allowance;
2. Tunjangan Pendukung Kerja (transportasi, makan, 2. Work Support Allowances (transportation, meal
operasional, komunikasi); allowance, operational allowance, job allowance,
communication allowance);
3. Dana Pensiun; 3. Pension Funds;
4. Fasilitas Pengobatan (rawat jalan); 4. Medical Care (outpatient);
5. Asuransi Kesehatan (rawat inap dan persalinan); 5. Health Insurance (inpatient and childbirth);
6. Asuransi Jiwa dan Asuransi Kecelakaan; 6. Life Insurance and Accident Insurance;
7. Penghargaan Masa Kerja; 7. Years of Service Reward;
8. Hadiah Kinerja. 8. Performance Rewards.
Untuk meningkatkan motivasi dan partisipasi karyawan, To boost employee motivation and participation, the
Perseroan juga menerapkan sistem Reward Point yang Company also applies Reward Points known as Value
dikenal sebagai Value Internalization Point (VIP). Program ini Internalization Point (VIP). This program provides points
memberikan poin kepada karyawan yang mengikuti aktivitas to employees participating in development activities such
pengembangan seperti pelatihan, sharing knowledge, as training, knowledge sharing, FIFGROUP Innovation
FIFGROUP Innovation Award, mengajar, dan aktivitas Award, teaching, and other activities. The accumulated
lainnya. Poin yang terkumpul dapat ditukarkan dengan points can be exchanged for enticing rewards tailored to
hadiah menarik sesuai dengan kebutuhan dan preferensi each employee’s needs and preferences. This VIP program
karyawan. Program VIP ini menjadi salah satu langkah is one of the Company's strategic steps in encouraging
strategis Perseroan dalam mendorong pengembangan competency development while simultaneously increasing
kompetensi sekaligus meningkatkan kepuasan karyawan. employee satisfaction.
TURNOVER KARYAWAN EMPLOYEE TURNOVER
Turnover karyawan menjadi indikator penting dalam Employee turnover is an important indicator in HC
pengelolaan SDM. Berbagai faktor dapat memengaruhi management, as various factors can influence its rate.
tingkat turnover. Analisis faktor-faktor yang melatarbelakangi Analyzing the underlying causes of increased turnover is
peningkatan turnover diperlukan untuk menyusun strategi necessary to formulate HC management strategies and
dan kebijakan manajemen SDM yang dapat meningkatkan policies that can improve employee retention.
retensi karyawan.
Perseroan secara aktif melakukan analisis dan benchmarking The Company actively performs market analysis and
di pasar, khususnya untuk posisi-posisi kunci, sebagai benchmarking, particularly for key positions, as a strategic
langkah strategis untuk memastikan daya saing dalam step to ensure competitiveness in attracting and retaining
menarik dan mempertahankan talenta terbaik. Selain itu, the best talent. In addition, efforts to enhance employee
upaya untuk meningkatkan engagement level karyawan engagement levels are continuously carried out through
terus dilakukan melalui berbagai program yang dirancang various programs designed to maintain their morale, loyalty,
untuk menjaga semangat kerja, loyalitas, dan keberlanjutan and sustainability of their contributions in the long term.
kontribusi mereka dalam jangka panjang.
Penerapan strategi retensi ini menjadi bagian penting dalam The implementation of this retention strategy is an essential
pengelolaan SDM, karena berperan dalam memitigasi part of HC management, as it plays a role in mitigating
potensi risiko yang dapat memengaruhi pelaksanaan potential risks that could affect the implementation of the
rencana bisnis tahunan serta pencapaian target dan sasaran annual business plan and the optimal achievement of short-
jangka pendek secara optimal. term targets and objectives.
Pada tahun 2024, tingkat turnover karyawan di Perseroan As of 2024, the Company recorded an employee turnover
tercatat sebesar 18,42%, atau setara dengan 2.573 karyawan. rate of 18.42%, equivalent to 2,573 employees. The following
Tabel berikut ini menjelaskan lebih rinci tingkat turnover table provides detailed information on the turnover rates for
seluruh karyawan dan karyawan kunci (key people) yang all employees and key personnel over the past five years:
terjadi di Perseroan selama lima tahun terakhir:
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Tahun Turnover Seluruh Karyawan Turnover Karyawan Kunci
Year Turnover for All Employees Turnover for Key People
2024 18,42% 5,02%
2023 15,50% 3,58%
2022 15,07% 8,92%
2021 18,92% 8,20%
2020 17,46% 6,14%
PROGRAM PENGEMBANGAN KOMPETENSI EMPLOYEE COMPETENCY DEVELOPMENT
KARYAWAN TAHUN 2024 DAN REALISASI PROGRAM IN 2024 AND COST REALIZATION
BIAYANYA
Program Pengembangan Kompetensi Competency Development Program
Keunggulan kompetitif menjadi elemen strategis bagi Competitive advantage serves a strategic element for the
Perseroan dalam mewujudkan tujuan Perseroan. Company in realizing its objectives. This is achieved through
Hal ini dicapai melalui kesiapan yang matang dalam meticulous preparation in developing and preparing high-
mengembangkan dan mempersiapkan sumber daya quality human capital. The focus of development is directed
manusia yang berkualitas. Fokus pengembangan diarahkan at strengthening talent with high competency standards in
pada penguatan bakat dengan standar kompetensi tinggi di their respective fields, accompanied by the formation of
bidangnya masing-masing, disertai pembentukan karakter strong character to compete effectively at both national
yang tangguh untuk bersaing secara efektif di tingkat and global levels.
nasional maupun global.
Perseroan berkomitmen mendukung pengembangan The Company is committed to supporting employee
karyawan melalui berbagai program pelatihan, pendidikan development through various training programs, advanced
lanjutan, sertifikasi, dan inhouse training yang terintegrasi education, certifications, and in-house training integrated
dalam FIFGROUP Academy. Didirikan pada tahun 2016, in FIFGROUP Academy. Established in 2016, FIFGROUP
FIFGROUP Academy menjadi pusat pelatihan dan Academy serves as the platform for training and development
pengembangan SDM Perseroan yang dirancang untuk of the Company’s human capital, designed to support
mendukung pengembangan SDM secara berkelanjutan dan sustainable HC development in line with the Company's
sejalan dengan tujuan Perseroan. Program-program yang objectives. The programs offered are structured based
diselenggarakan dirancang secara terstruktur berdasarkan on a curriculum that is categorized into three main areas:
kurikulum yang terbagi dalam tiga kategori utama:
1. Regular Training 1. Regular Training
Regular Training merupakan pelatihan yang Regular Training is training held regularly by the
diselenggarakan secara rutin oleh Perseroan, terdiri Company, consisting of Training Development Program
dari Training Development Program yang dilaksanakan held by the Head Office and Regular Training by Branch
oleh Kantor Pusat dan Training Reguler oleh Kantor Offices. The training schedule is predetermined and
Cabang. Jadwal pelatihan telah ditetapkan sebelumnya listed in the Training Catalog or Calendar.
dan tercantum dalam Katalog atau Kalender Pelatihan.
2. Irregular Training 2. Irregular Training
Irregular Training merupakan pelatihan publik Irregular Training is a public training or program that
atau program yang berada di luar Development is outside the Head Office Development Program
Program Kantor Pusat maupun pelatihan di Kantor and training at Branch Offices. It is organized by the
Cabang. Penyelenggaraannya dilakukan oleh Company, either internally or in collaboration with
Perseroan, baik secara internal maupun bekerja sama external parties, in accordance with the requirements
dengan pihak eksternal, sesuai dengan kebutuhan of the development program.
program pengembangan.
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Tinjauan Fungsi Pendukung
Supporting Function Overview
3. Knowledge Sharing Forum 3. Knowledge Sharing Forum
Knowledge Sharing Forum adalah program bulanan Knowledge Sharing Forum is a monthly program
yang diselenggarakan oleh Perseroan untuk mendukung organized by the Company to support employee
pengembangan karyawan melalui pertukaran wawasan development through the exchange of insights and
dan pengalaman. Program ini menjadi wadah bagi experiences. This program serves as a platform
karyawan untuk memperluas pengetahuan dan for employees to expand their knowledge and
perspektif secara kolaboratif. perspectives collaboratively.
Perseroan secara konsisten berupaya mereduksi The Company consistently strives to reduce the
kesenjangan kompetensi pada SDM melalui program competency gap in human capital through structured and
pengembangan yang terstruktur dan berkelanjutan. sustainable development programs. This step is taken
Langkah ini dilakukan untuk memastikan seluruh to ensure that all employees can synergize effectively in
karyawan dapat bersinergi secara efektif dalam supporting the achievement of the Company's long-term
mendukung pencapaian target jangka panjang targets, while creating human capital that are competent,
Perseroan, sekaligus menciptakan SDM yang kompeten, adaptive, and ready to face future challenges.
adaptif, dan siap menghadapi tantangan di masa depan.
Sepanjang tahun 2024, Perseroan telah memfasilitasi Throughout 2024, the Company has facilitated
karyawan untuk mengikuti berbagai program pelatihan employees to participate in various training and
dan pengembangan sebagaimana diuraikan berikut ini: development programs as described below:
Regular Training
Nama Pelatihan Jadwal Total Peserta Institusi Jenis Pelatihan
Training Title Schedule Participants Institution Type of Training
Management Trainee Future Jan-Des 2024 16 PT Federal International Finance Development Program
Jan-Dec 2024
Management Trainee Data & IT Jan-Des 2024 28 PT Federal International Finance Development Program
Jan-Dec 2024
Branch Leader Development Jan-Des 2024 67 PT Federal International Finance Development Program
Program Jan-Dec 2024
Representative Head Jan-Des 2024 117 PT Federal International Finance Development Program
Development Program Jan-Dec 2024
Junior Officer Development Jan-Des 2024 117 PT Federal International Finance Development Program
Program Jan-Dec 2024
Section Head Development Jan-Des 2024 300 PT Federal International Finance Development Program
Program Jan-Dec 2024
Marketing Officer Development Jan-Des 2024 64 PT Federal International Finance Development Program
Program Jan-Dec 2024
Frontline Marketing Jan-Des 2024 504 PT Federal International Finance Development Program
Development Program Jan-Dec 2024
Microfinancing Account Officer Jan-Des 2024 782 PT Federal International Finance Development Program
Development Program Jan-Dec 2024
Microfinancing Partnership Jan-Des 2024 151 PT Federal International Finance Development Program
Account Officer Development Jan-Dec 2024
Program
Operation Coordinator Jan-Des 2024 98 PT Federal International Finance Development Program
Development Program Jan-Dec 2024
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Pelatihan bagi level Key People difokuskan di Kantor Training for Key People level is focused at the Head Office
Pusat untuk memastikan penguatan kompetensi strategis. to ensure the strengthening of strategic competencies.
Sementara itu, pelatihan bagi level Non-Key People di Kantor Meanwhile, training for Non-Key People level at Branch and
Cabang dan Pos mencakup pengembangan technical skill Post Offices includes the development of both technical
dan soft skill yang diselenggarakan oleh Area Instructor. and soft skills organized by Area Instructors. The program
Program ini dirancang untuk mendukung peningkatan is designed to support capacity building in accordance
kemampuan sesuai dengan kebutuhan operasional di with the operational needs of each area. The details of the
setiap area. Rincian pelaksanaan program tersebut adalah program implementation are as follows:
sebagai berikut:
Pelatihan Teknis Materi Level Jabatan Jadwal Pelatihan
Technical Training Material Position Level Training Schedule
Credit Management Field Credit Management Field Jan-Des 2024
Verifier Jan-Dec 2024
Collection and Remedial Collection and Remedial Field Jan-Des 2024
Management Management Jan-Dec 2024
Negotiation For Field Basic Negotiation Field Jan-Des 2024
Jan-Dec 2024
UFI Management Used Financing Basic MCE Jan-Des 2024
Jan-Dec 2024
Basic Selling Skill Basic Selling Skill MCE Jan-Des 2024
Jan-Dec 2024
Service Mudah Basic Service Mudah Field, MCE, Processor Jan-Des 2024
Easy Service Basic Easy Service Jan-Dec 2024
Credit Collateral Management Collateral Management Processor Juni, Juli 2024
June, July 2024
Microsoft Excel Microsoft Excel Processor Juni, Agustus, Oktober,
November 2024
June, August, October,
November 2024
Five Step of SS SS Innovation Coordinator Juni, Juli, Agustus 2024
June, July, August 2024
Basic Leadership Basic Leadership Coordinator Juni, Agustus, September 2024
June, August, September 2024
Credit Management for CA Credit Management for CA Coordinator Juni, Oktober, November 2024
June, October, November 2024
Collection Ultimate for CRC Collection and remedial Coordinator Juli, Oktober, November 2024
management for Coordinator June, October, November 2024
DMAIC DMAIC Innovation Section Head Juli 2024
July 2024
Intermediate Leadership Intermediate Leadership Section head September 2024
September 2024
Service mudah Key People Service Mudah Section Head Agustus, Oktober 2024
Easy Service for Key People Easy Service August, October 2024
Training for Trainer Teknik cara mengajar Section Head Juni, Agustus, 2024
Teaching Techniques June, August 2024
Litigasi Management Litigasi dan pengkasusan Section Head Mei, Juni, Juli 2024
Litigation Management Litigation and Legal Case May, June, July 2024
Handling
New Motorcycle for MR New Motorcycle Management MCE September 2024
September 2024
Complain Handling Training Complain Handling Processor, MCE, Coordinator April, Mei, Juni 2024
April, May, June 2024
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Supporting Function Overview
Irregular Training
Jenis
Nama Pelatihan Jadwal Total Peserta Institusi Pelatihan
Training Title Schedule Participants Institution Type of
Training
Behavior Based Interview 15-17 Mei, 23-25 Juli, 10-13 40 FIDES Technical
September, 8-10 Oktober 2024
May 15-17, July 23-25, September
10-13, October 8-10, 2024
Building Effective Interpersonal 15 Oktober dan 20 November 2024 3 PPM Manajemen Behavior
Skills October 15 and November 20, 2024
Community Development in CSR 29 Juli 2024 1 Shared Value Indonesia Technical
July 29, 2024
Competency Development and 18 Oktober 2024 3 GML Consulting Technical
Assessment October 18, 2024
Data Storytelling for HC 29 Juli 2024 2 Astra International Technical
Practitioner July 29, 2024
Design Thinking 7 November dan 18 Desember 2024 1 PPM Manajemen Technical
November 7 and December 18,
2024
Designing & Development Training 7 November 2024 1 Qubisa Technical
Material November 7, 2024
Designing Management 2 Oktober 2024 1 PPM Manajemen Technical
Development Program October 2, 2024
DMAIC Black Belt 10 September 2024 1 PQM Technical
September 10, 2024
DMAIC White Belt 1 Juni, 1 Juli dan 1 September 2024 239 FIFGROUP Technical
June 1, July 1, and September 1,
2024
Effective Communication 1 Agustus 2024 71 FIFGROUP Behavior
August 1, 2024
Effective Supervisory Management 24 September 2024 4 PPM Manajemen Technical
September 24, 2024
English Course 1 Juni 2024 1 Wall Street English Technical
June 1, 2024
Environment Sustainability Goals 27 Juni 2024 1 Shared Value Indonesia Technical
for Sustainable Business June 27, 2024
Financial for Non Finance 25 Mei 2024 1 Technical
May 25, 2024
Indonesia Internal Audit 4 November 2024 1 IIA Technical
Professional November 4, 2024
Klaster Pelaksanaan Survey 15 Januari 2024 1 Technical
Lapangan January 15, 2024
Field Survey Implementation
Cluster
Klaster Pengelolaan Piutang 15 Januari 2024 1 Technical
Pembiayaan January 15, 2024
Financing Receivables
Management Cluster
Leader As Coach 31 Juli dan 27 November 2024 2 PP Manajemen Behavior
July 31 and November 27, 2024
Litigasi Management 1 September 2024 22 FIFGROUP Technical
Litigation Management September 1, 2024
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Irregular Training
Jenis
Nama Pelatihan Jadwal Total Peserta Institusi Pelatihan
Training Title Schedule Participants Institution Type of
Training
Managing Data Analytics for Better 22 Desember 2024 22 PPM Manajemen Technical
Decision Making December 22, 2024
Pelatihan K3 Operator pesawat 25 November 2024 1 Arpindo Technical
Tenaga dan Produksi (Operator November 25, 2024
Motor Diesel)
Occupational Safety and Health
(K3) Training for Diesel Engine
Operators
Strategic Business Analyst 16-17 Desember 2024 15 PPM Manajemen Technical
December 16-17, 2024
Successful Managing Task 1 Agustus 2024 83 FIFGROUP Behavior
August 1, 2024
Training Digital CX Blueprint 3 Oktober 2024 1 Technical
October 3, 2024
Training for Trainers 1 Januari 2024 45 MMI Behavior
January 1, 2024
Training FX Bootcamp on FX 24 Oktober 2024 1 Citi Indonesia Corporate Technical
Markets & Risk Management October 24, 2024 Sales and Solution
Solutions
Training Learning & Development 26 November 2024 1 Freshminds Technical
Strategy November 26, 2024
Training Merancang Modul 1 Qubisa Technical
E-Learning Lengkap & Efektif
Designing Complete and Effective
E-Learning Modules Training
Training Need Analysis 1 Qubisa Technical
Training Pembuatan Konten & 14 Agustus 2024 1 Qubisa Technical
Manajemen Sosial Media August 14, 2024
Content Creation & Social Media
Management Training
Training Sistem Layanan Informasi 25 September 2024 3 Internal Technical
Keuangan (SLIK) OJK September 25, 2024
Financial Services Information
System (SLIK) FSA Training
Workload Analysis 16 Oktober 2024 1 HRDSPOT Technical
October 16, 2024
HC Officer Development Program 8 Oktober 2024 24 Internal Technical
October 8, 2024
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Knowledge Sharing Forum
Nama Pelatihan Jadwal Total Peserta Institusi Jenis Pelatihan
Training Title Schedule Participants Institution Type of Training
MOBIC: Embracing 2024 with Leap 23 Januari 2024 721 Prof. Rhenald Kasali Benchmark
as One Spirit January 23, 2024
MOBIC: Revive Strong Leadership 8 Maret 2024 330 Edward Tirtanata Benchmark
with New Spirit March 8, 2024
MOBIC: Google Culture & Gen AI 30 April 2024 474 Adir Ginting Benchmark
to Improve Productivity April 30, 2024
MOBIC: Live Podcast: Laugh and 28 Mei 2024 1.906 Ernest Prakasa Benchmark
Lessons with Ernest Prakasa May 28, 2024
MOBIC HC x Corplan: Pre-Event 24 Juni 2024 832 Haryanto Tiara Budiman Benchmark
Planning Cycle June 24, 2024
MOBIC: Emerging Digitalization for 24 Juli 2024 963 Roy Nugroho Benchmark
Business Sustainability July 24, 2024
MOBIC: Embracing the Fighting 26 Agustus 2024 1142 Dedy Budiman Benchmark
Spirit August 26, 2024
MOBIC: Service Synergy to Create 26 September 2024 695 Sigit Djokosoetono Benchmark
Delight Customer September 26, 2024
MOBIC: It’s Okay to Not be Okay 25 Oktober 2024 617 Prof. Hora Tjitra Benchmark
MOBIC: Reflection in Gratitude 16 Desember 2024 1547 Daniel Mananta Benchmark
Realisasi Anggaran Pelatihan dan Pengembangan Budget Realization of Training and Development
SDM Tahun 2024 in 2024
Sepanjang tahun 2024, FIFGROUP Academy telah berhasil Throughout 2024, FIFGROUP Academy has successfully
merealisasikan anggaran pelatihan dan pengembangan realized a training and development budget of
SDM sebesar Rp26.429.211.002 atau setara dengan 243,24% Rp26,429,211,002 or equivalent to 243.24% of the total
dari total rencana anggaran yang telah ditetapkan sebesar budget plan set at Rp10,865,568,570.
Rp10.865.568.570.
SERTIFIKASI KOMPETENSI KARYAWAN EMPLOYEE COMPETENCY CERTIFICATION
Perseroan terus mendorong peningkatan kompetensi The Company continues to encourage the improvement of
karyawan melalui program sertifikasi yang relevan dengan employee competencies through certification programs that
kebutuhan bisnis. Pada tahun 2024, program sertifikasi are relevant to business needs. In 2024, the certification
difokuskan pada pengembangan kemampuan teknis dan program is focused on developing technical and professional
profesional, sesuai dengan standar industri dan regulasi skills, in line with industry standards and applicable
yang berlaku. Karyawan dari berbagai tingkatan dan regulations. Employees from various levels and divisions are
divisi diberikan kesempatan untuk mengikuti program ini, given the opportunity to participate in this program, which
yang bertujuan meningkatkan keahlian, kredibilitas, serta aims to improve their expertise, credibility, and contribution
kontribusi terhadap pencapaian tujuan strategis Perseroan. to achieving the Company's strategic objectives.
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Daftar sertifikasi karyawan hingga akhir tahun 2024 diuraikan The list of employee certifications until the end of 2024 is
pada tabel berikut: outlined in the following table:
Total
Jenis Sertifikasi Lembaga Sertifikasi Jadwal
Peserta
Certification Type Certification Institution Schedule
Participants
Sertifikasi Penagihan Lembaga Sertifikasi Pembiayaan Januari-Desember 2024 1.365
Debt Collection Certification profesi (LSPPI) January-December 2024
Professional Financing
Certification Institution (LSPPI)
Sertifikasi Managerial Lembaga Sertifikasi Pembiayaan Januari-Desember 2024 274
Managerial Certification profesi (LSPPI) January-December 2024
Professional Financing
Certification Institution (LSPPI)
Certified Risk Management Professional PT RAP Indonesia 8 Juli 2024 3
(CRMP) July 8, 2024
Certified Compliance Professional (CCP) PPM Management 16 Juli 2024 3
July 16, 2024
Sertifikasi Auditor Hukum Indonesia Jimly School of Law and 22 Juli 2024 1
Indonesian Legal Auditor Certification Government July 22, 2024
Certified Risk Management Officer PT RAP Indonesia 12 Agustus 2024 1
August 12, 2024
Sertifikasi Mediator Pusat Pengembangan 19 Agustus 2024 1
Mediator Certification Pendayagunaan Mediasi August 19, 2024
Center for Mediation Development
and Utilization
Certified Data Protection Asosiasi Profesional Privasi Data 20 Agustus 2024 2
Indonesia August 20, 2024
Indonesian Data Privacy
Professionals Association
Sertifikasi Garda Utama PT Elite Sinergi Service 25 Agustus 2024 1
Garda Utama Certification August 25, 2024
Certified Black Belt Six Sigma PQM Consultant 10 September 2024 1
September 10, 2024
GRI Certified Training Course with GRI Karisman Consulting 29 Oktober 2024 2
Standard 2021 October 29, 2024
Sertifikasi IIAP Indonesia Internal Audit 4 November 2024 1
IIAP Certification Practitioner November 4, 2024
REWARD AND PUNISHMENT REWARD AND PUNISHMENT
Perseroan menerapkan sistem reward and punishment The Company implements a reward and punishment system
sebagai bagian dari pengelolaan kinerja untuk menciptakan as part of its performance management framework to create
lingkungan kerja yang produktif dan berintegritas. Mekanisme a productive and integrity-driven work environment. The
penghargaan (reward) diberikan kepada karyawan yang reward mechanism is given to employees who achieve
berhasil mencapai kinerja unggul, memenuhi target yang superior performance, meet established targets, or make a
ditetapkan, atau memberikan kontribusi signifikan terhadap significant contribution to the achievement of the Company's
pencapaian tujuan Perseroan. Penghargaan ini dapat berupa objectives. These rewards may take the form of financial
insentif finansial, apresiasi non-material, atau peluang incentives, non-material appreciation, or better career
pengembangan karier yang lebih baik. development opportunities.
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Sebaliknya, mekanisme sanksi (punishment) diterapkan On the other hand, the punishment mechanism is applied
secara adil kepada karyawan yang tidak memenuhi Standard fairly to employees who fail to comply with the Standard
Operation Procedure (SOP) dan/atau melanggar kebijakan/ Operation Procedure (SOP) and/or violate Company policies/
peraturan perusahaan, dan Kode Etik Perseroan. Langkah regulations, and the Company's Code of Conduct. This step
tersebut bertujuan untuk memberikan efek jera dan upaya aims to provide a deterrent effect and corrective efforts
korektif sekaligus meningkatkan kedisiplinan, dengan tetap while improving discipline, adhering to the principles of
berpedoman pada prinsip keadilan dan transparansi. Melalui fairness and transparency. Through the implementation of
penerapan sistem reward and punishment yang terstruktur, a structured reward and punishment system, the Company
Perseroan berupaya menjaga kualitas serta produktivitas strives to maintain the quality and productivity of human
sumber daya manusia dalam mendukung pencapaian visi capital in supporting the achievement of the Company's
dan misi Perseroan. vision and mission.
KEBIJAKAN PROGRAM PENSIUN RETIREMENT PROGRAM POLICY
Perseroan berkomitmen mempersiapkan masa pensiun The Company is committed to preparing employees'
karyawan secara terencana dan menyeluruh untuk retirement in a planned and comprehensive manner to
memastikan kesejahteraan di masa mendatang. Seluruh ensure future prosperity. All employees are enrolled in the
karyawan didaftarkan dalam program Jaminan Hari Tua Jaminan Hari Tua (JHT) and Jaminan Pensiun Karyawan
(JHT) dan Jaminan Pensiun yang dikelola oleh BPJS programs managed by BPJS Ketenagakerjaan as a form of
Ketenagakerjaan sebagai bentuk perlindungan keuangan long-term financial protection. Policies related to retirement
jangka panjang. Kebijakan terkait masa pensiun ini are regulated in Decree of the Board of Directors No.
diatur dalam Surat Keputusan Direksi No. 014/FIF/SK- 014/FIF/SK-DIR/HIR/X/2021 concerning the Compilation
DIR/HIR/X/2021 tentang Kompilasi Peraturan-Peraturan of Employment Termination Regulations and Decree
Pengakhiran Hubungan Kerja dan Surat Keputusan No. No. 009/FIF/SK-DIR/HC/IV/2019 concerning Retirement
009/FIF/SK-DIR/HC/IV/2019 tentang Masa Persiapan Pensiun. Preparation Period.
Untuk melengkapi kebijakan tersebut, Perseroan To complement the policy, the Company presents FIFPreneur
menghadirkan Program FIFPreneur sebagai upaya Program as an effort to support employees' readiness to
mendukung kesiapan karyawan memasuki masa pensiun. enter the retirement phase. This program includes training
Program ini mencakup pelatihan dan pendampingan, yang and mentoring, which helps prepare mentally and skills, as
membantu mempersiapkan mental dan keterampilan, serta well as build the ability to run an independent business.
membangun kemampuan untuk menjalankan usaha mandiri. Through this program, employees are expected to remain
Melalui program ini, karyawan diharapkan tetap produktif productive and prosperous in the retirement phase, creating
dan sejahtera di masa pensiun, menciptakan transisi yang a smooth and meaningful transition.
mulus dan penuh makna.
SISTEM PENGADUAN MASALAH EMPLOYMENT ISSUES REPORTING SYSTEM
KETENAGAKERJAAN
Perseroan berupaya menciptakan lingkungan kerja yang The Company strives to create a conducive and comfortable
kondusif dan nyaman dengan melibatkan partisipasi working environment by involving the active participation
aktif seluruh karyawan. Setiap karyawan yang memiliki of all employees. Any employee with concerns, critiques, or
keluhan, kritik, atau saran terkait pelaksanaan nilai-nilai suggestions regarding the implementation of employment
ketenagakerjaan dapat menyampaikan pengaduannya values can submit their reports through the system
melalui sistem yang telah disediakan. Sistem pengaduan provided. This reporting system is managed by the Human
ini dikelola oleh Divisi Human Capital dengan berpedoman Capital Division based on the principles of fairness and
pada prinsip keadilan dan tanggung jawab, bertujuan untuk responsibility, aiming to detect and resolve employment
mendeteksi dan menyelesaikan masalah ketenagakerjaan issues in a timely manner.
secara tepat waktu.
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Masalah ketenagakerjaan yang timbul dapat diselesaikan Employment issues that arise can be resolved through
melalui mekanisme yang telah disediakan untuk the mechanism provided to facilitate the submission and
mempermudah proses penyampaian dan penanganannya. handling process. Employees can submit reports through:
Karyawan dapat menyampaikan pengaduan melalui:
1. Atasan Langsung; 1. Direct Supervisors;
2. Divisi Human Capital; 2. Human Capital Division;
3. Forum Synergy Club; 3. Synergy Club Forum;
4. Forum Bipartit; 4. Bipartite Forum;
5. Forum Tripartit. 5. Tripartite Forum.
Pada tahun 2024, Divisi Human Capital telah menerbitkan In 2024, the Human Capital Division issued 17,378 warning
sebanyak 17.378 surat peringatan kepada karyawan letters to the Company’s employees, consolidated with
Perseroan, secara konsolidasi dengan entitas lain dalam other entities within FIFGROUP. These warning letters are
FIFGROUP. Surat peringatan tersebut merupakan salah a form of sanction for disciplinary violations. This step is
satu bentuk sanksi atas pelanggaran disiplin. Langkah taken to maintain order, ensure compliance with applicable
ini dilakukan untuk menjaga keteraturan, memastikan regulations, and support the creation of a professional and
kepatuhan terhadap regulasi yang berlaku, dan mendukung productive work environment.
terciptanya lingkungan kerja yang profesional dan produktif.
HUBUNGAN INDUSTRIAL INDUSTRIAL RELATIONS
Perseroan memahami bahwa karyawan adalah aset The Company understands that employees are strategic
strategis yang berperan penting dalam keberlanjutan dan assets that play a pivotal role in the sustainability and
pertumbuhan Perseroan. Oleh karena itu, membangun growth of the Company. Therefore, fostering harmonious
hubungan industrial yang harmonis antara manajemen dan industrial relations between management and employees
karyawan menjadi fokus utama. Komunikasi yang terbuka is the main focus. Open and effective communication is the
dan efektif menjadi fondasi dalam menciptakan hubungan foundation in creating a healthy and mutually supportive
kerja yang sehat dan saling mendukung. working relationship.
Untuk mewujudkan hubungan industrial yang harmonis, To achieve harmonious industrial relations, the Company
Perseroan memastikan kelancaran komunikasi dua arah ensures smooth and effective two-way communication
yang efektif serta memanfaatkan teknologi sebagai and utilizes technology to strengthen interaction between
sarana untuk memperkuat interaksi antara manajemen management and employees. In addition, the Company also
dan karyawan. Selain itu, Perseroan juga aktif merangkul actively embraces the employee community to increase
komunitas karyawan guna meningkatkan keterlibatannya its involvement in various initiatives. These measures are
dalam berbagai inisiatif. Langkah-langkah ini diharapkan expected to build employee loyalty to the Company while
mampu membangun loyalitas karyawan terhadap Perseroan creating a conducive and productive work environment.
sekaligus menciptakan lingkungan kerja yang kondusif
dan produktif.
Selain itu, Perseroan menjalin sinergi yang erat dengan Furthermore, the Company maintains close synergy with
beberapa perusahaan di bawah naungan Astra Group, several companies under the Astra Group, especially Astra
khususnya Astra Financial Services (AFS) Group, melalui Financial Services (AFS) Group, through various collaborative
berbagai kegiatan kolaborasi. Dengan langkah ini, Perseroan initiatives. This step helps the Company ensure that
memastikan hubungan industrial yang harmonis tetap harmonious industrial relations are maintained, supports
terjaga, mendukung produktivitas karyawan, dan mendorong employee productivity, and encourages sustainable growth.
pertumbuhan berkelanjutan.
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REALISASI PROGRAM KERJA SDM TAHUN 2024 HUMAN CAPITAL PROGRAM REALIZATION IN
2024
Pada tahun 2024, Divisi Human Capital telah merealisasikan In 2024, the Human Capital Division successfully
sejumlah program kerja SDM yang dirancang untuk implemented various HC programs designed to support
mendukung pengelolaan dan pengembangan sumber daya the sustainable management and development of human
manusia secara berkelanjutan. Program-program tersebut, capital. These programs include:
antara lain:
1. Menerapkan Organisasi yang Tangguh dan Produktif; 1. Implementing Resilient and Productive Organization;
2. Memperkuat Employer Branding dan Mengoptimalkan 2. Strengthening Employer Branding and Optimize Shaping
Program Pengembangan (Growing at FIFGROUP, Program (Growing at FIFGROUP, FIFGROUP Goes to
FIFGROUP Goes to Campus, FIFGROUP Young Leader, Campus, FIFGROUP Young Leader, FIFriendibility);
FIFriendibility);
3. Transformasi Strategi Rekrutmen (RISE); 3. Transforming Recruitment Strategy (RISE);
4. Merancang FIFGROUP Academy Menjadi Corporate 4. Designing FIFGROUP Academy to Corporate University;
University;
5. Meningkatkan Kesejahteraan Karyawan (Emosional, 5. Improving Employee Well-being (Emotional, Physical,
Fisik, Material); dan Material); and
6. Mendorong Keberagaman, Kesetaraan, dan Inklusi 6. Promoting DEI (Diversity, Equity, and Inclusion).
(Diversity, Equity, and Inclusion).
RENCANA FOKUS PENGEMBANGAN SDM HC DEVELOPMENT FOCUS PLAN 2025
TAHUN 2025
Untuk mendukung kebutuhan organisasi dan menghadapi To support organizational needs and address industry
tantangan industri, Perseroan telah menyusun rencana fokus challenges, the Company has developed an HC development
pengembangan SDM tahun 2025. Rencana ini bertujuan focus plan for 2025. This plan aims to create competent,
menciptakan SDM yang kompeten, adaptif, dan berkontribusi adaptive, and optimally contributing human capital for
optimal bagi pertumbuhan Perseroan. Fokus pengembangan the Company's growth. The focus of HC development in
SDM tahun 2025 mencakup: 2025 includes:
1. Memperkuat Nilai-Nilai dan Organisasi dengan Kinerja 1. Strengthening Values & High Performing Organization;
Tinggi;
2. Memperkaya Perjalanan Karyawan dan Kepemimpinan 2. Enriching Employee Journey & Sustainable Leadership;
yang Berkelanjutan;
3. Meningkatkan Afiliasi dan Keterlibatan Karyawan; dan 3. Enhancing Employee Affiliation & Engagement; and
4. Mengoptimalkan Digital HC Roadmap. 4. Optimizing HC Digital Roadmap.
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Teknologi Informasi
Information Technology
Pada tahun 2024, FIFGROUP telah merealisasikan investasi strategis dalam bidang
Teknologi Informasi (TI) untuk mendukung transformasi digital, meningkatkan
efisiensi operasional, dan memastikan keberlanjutan bisnis.
In 2024, FIFGROUP has realized strategic investment in Information Technology (IT)
to support digital transformation, enhance operational efficiency, and
ensure business sustainability.
Divisi Information Technology (IT) berperan strategis dalam Information Technology (IT) Division plays a strategic role in
mendukung operasional dan pertumbuhan perusahaan. supporting the company's operations and growth. In 2024,
Pada tahun 2024, fokus kami adalah pada peningkatan our focus revolved around advancing digital transformation
inisiatif transformasi digital, memperkuat langkah-langkah initiatives, strengthening cybersecurity measures, and
keamanan siber, dan mengoptimalkan praktik tata kelola optimizing IT governance practices to align with business
TI untuk selaras dengan tujuan bisnis serta kepatuhan objectives and regulatory compliance.
terhadap regulasi.
Tinjauan Pendukung Bisnis dari Sisi Teknologi Business Support Overview from the Perspective
Informasi of Information Technology
Divisi Teknologi Informasi (IT) FIFGROUP terus berkomitmen FIFGROUP’s IT Division remains committed to ensuring the
untuk mendukung keberhasilan strategi perusahaan melalui success of the company’s strategy through effective and
pengelolaan teknologi informasi yang efektif dan inovatif. innovative Information Technology management. Below are
Berikut adalah langkah-langkah strategis yang telah diambil the strategic initiatives undertaken in 2024:
pada tahun 2024:
1. Transformasi Digital 1. Digital Transformation
Pada tahun 2024 ini, perusahaan berhasil menyelesaikan In 2024, the company successfully completed several
sejumlah proyek kolaborasi Business-to-Business (B2B) Business-to-Business (B2B) collaboration projects
dengan perusahaan mitra maupun dalam lingkup Astra with partners within and beyond the Astra Ecosystem.
Ecosystem. Seluruh proyek yang dijadwalkan pada tahun All scheduled projects for 2024 were completed on
2024 telah diselesaikan sesuai dengan target dan waktu time and according to target, with additional project
yang ditetapkan dan terdapat beberapa permintaan requests received towards the end of the year, which
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proyek baru yang masuk pada akhir tahun 2024, yang are planned for completion in 2025. This collaboration
akan direncanakan untuk penyelesaian pada tahun reflects the trust of business partners in the company
2025. Kolaborasi ini mencerminkan kepercayaan and demonstrates the company's ability to maintain high
mitra bisnis terhadap perusahaan dan menunjukkan standards of cooperation.
kemampuan perusahaan dalam menjaga standar kerja
sama yang tinggi.
Beberapa inisiatif internal juga menjadi prioritas Several internal initiatives have also become priorities in
perusahaan dalam melakukan transformasi digital, salah driving digital transformation, including the development
satunya adalah mengembangkan aplikasi E Recruitment, of the E-Recruitment application, which simplifies the
yang memudahkan para recruiter dan calon karyawan recruitment process for recruiters and prospective
dalam proses recruitment. Selain itu perusahaan employees. Additionally, the company leverages online
juga memanfaatkan fitur pembelajaran online untuk learning features to enhance employees' functional and
meningkatkan pengetahuan karyawan baik secara technical knowledge.
fungsional maupun teknikal.
2. Pemanfaatan Teknologi Terkini 2. Leveraging Advanced Technologies
Divisi IT tengah melakukan riset mengenai pemanfaatan IT Division conducted research into advanced
teknologi Artificial Intelligence (AI) termasuk Robotic technologies such as Artificial Intelligence (AI), including
Process Automation (RPA), Optical Character Recognition Robotic Process Automation (RPA), Optical Character
(OCR), Augmented Reality (AR), Machine Learning Recognition (OCR), Augmented Reality (AR), and Machine
(ML), untuk meningkatkan efisiensi operasional dan Learning (ML) to improve operational efficiency and
memberikan nilai tambah bagi bisnis. create added business value.
3. Menjaga Kinerja Sistem Layanan 3. Ensuring System Performance and Service Stability
Perusahaan mampu menjaga performa sistem dengan The company successfully maintained system
baik dengan persentase Up Time mencapai 99.5% pada performance with an uptime percentage of 99.5% in
tahun 2024. Upaya preventif dan pemantauan intensif 2024. Preventive measures and intensive monitoring
dilakukan secara konsisten untuk memastikan sistem were consistently implemented to ensure system
tetap stabil. Hal ini memungkinkan proses tutup tahun stability. This proactive approach enabled a smooth
berjalan dengan lancar tanpa kendala teknis yang berarti. year-end process without any significant technical issues.
4. Pelaporan yang Transparan dan Berkelanjutan 4. Transparent and Sustainable Reporting
Divisi IT secara aktif menyampaikan pelaporan bulanan IT Division consistently delivered monthly reports to
kepada Direktur yang Bertanggung Jawab dan pelaporan the Director in Charge (DIC) and biannual performance
kinerja setahun dua kali kepada Komite Pengarah IT. reviews to the IT Steering Committee. These updates
Pembahasan kinerja ini juga dilaporkan dalam forum were also presented at Board of Commissioners (BOC)
rapat Dewan Komisaris, mencerminkan transparansi meetings, reflecting transparency and accountability in
dan akuntabilitas dalam pengelolaan TI. IT management.
5. Kebijakan Internal yang Kuat 5. Strong Internal Policies
Dalam mendukung tata kelola TI yang terarah, Perseroan To support effective IT governance, the company
telah menetapkan kebijakan internal melalui Surat has established internal policies through the Board
Keputusan Direksi No. 001/FIF/SK-DIR/ICT/III/2022. of Directors Decree No. 001/FIF/SK-DIR/ICT/III/2022.
Kebijakan ini disusun dengan mengacu pada Peraturan These policies were formulated in alignment with OJK
OJK No. 4/POJK.05/2021 tentang Penerapan Manajemen Regulation No. 4/POJK.05/2021 on the Implementation of
Risiko dalam Penggunaan Teknologi Informasi oleh Risk Management in the Use of Information Technology
Lembaga Jasa Keuangan Nonbank ("POJK 4/2021"). by Non-Bank Financial Institutions ("POJK 4/2021").
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6. Keamanan Sistem yang Unggul 6. Superior System Security
a. Sertifikasi ISO 27001 a. ISO 27001 Certification
Perusahaan telah melakukan sertifikasi ISO 27001 FIFGROUP has maintained ISO 27001 certification
tentang Sistem Manajemen Keamanan Informasi for Information Security Management Systems since
sejak tahun 2021 dan pada tahun 2024, Perusahaan 2021. In 2024, the Company upgraded its ISO 27001
telah melakukan upgrade standard ISO 27001 dari standard from ISO 27001:2013 to ISO 27001:2022,
ISO 27001:2013 menjadi ISO 27001:2022, sebagai demonstrating its commitment to information security.
bukti komitmen terhadap keamanan informasi.
b. Kepatuhan terhadap UU PDP b. Compliance with Data Protection Laws
Implementasi tata kelola data sesuai dengan The implementation of data governance in
Undang-Undang Perlindungan Data Pribadi (UU accordance with the Personal Data Protection Law
PDP) berjalan seiring dengan strategi perusahaan. aligns with the Company's strategy.
PENGELOLA TI IT MANAGEMENT
Divisi Information Technology ditunjuk oleh Perseroan The Information Technology Division is appointed by the
sebagai unit yang bertanggung jawab atas pengelolaan Company as the unit responsible for managing information
teknologi informasi. Divisi IT di FIFGROUP memiliki tanggung technology. This division plays a critical role in ensuring
jawab utama untuk mendukung operasional dan strategi information technology services are reliable, secure,
bisnis perusahaan melalui pengelolaan teknologi informasi and aligned with business needs, thus supporting the
yang terarah dan andal. achievement of the Company's objectives.
PROFIL KEPALA DIVISI INFORMATION HEAD OF INFORMATION TECHNOLOGY DIVISION
TECHNOLOGY PROFILE
AYNI HADI SANTOSO
Kepala Divisi Information Technology | Head of Information Technology Division
Usia | Age Kewarganegaraan | Citizenship
50 tahun | years Indonesia
Dasar Pengangkatan Surat Keputusan PT. FIF No. 025/PROMO/SK-HC/IX/2020 Tanggal 15
Legal Basis of Appointment September 2020
Decree of PT. FIF No. 025/PROMO/SK-HC/IX/2020 dated November 15, 2020
Riwayat Pendidikan Sarjana Teknologi Industri Pertanian dari Universitas Gadjah Mada,
Educational Background Yogyakarta (1997)
Bachelor’s degree in Agricultural Industrial Technology from Universitas
Gadjah Mada, Yogyakarta (1997)
Riwayat Pekerjaan • Management Trainee di PT Federal International Finance (1997-1998)
Career History • IT Operation Officer di PT Federal International Finance (1998-2000)
• IT Development Officer di PT Federal International Finance (2000-2007)
• Kepala Sub Departemen IT Non Core Application Development di
PT Federal International Finance (2007-2012)
• Kepala Sub Departemen IT PMO di PT Federal International Finance
(2012-2013)
• Kepala Departemen IT CORE Apps Development di PT Federal
International Finance (2013-2020)
• Kepala Divisi Information Technology di PT Federal International Finance
(2020-2025)
• Management Trainee at PT Federal International Finance (1997-1998)
• IT Operation Officer at PT Federal International Finance (1998-2000)
• IT Development Officer at PT Federal International Finance (2000-2007)
• IT Non-Core Application Development Sub-Department Head at PT
Federal International Finance (2007-2012)
• IT PMO Sub Department Head at PT Federal International Finance (2012-
2013)
• IT Core Apps Development Department Head at PT Federal International
Finance (2013-2020)
• IT Division Head at PT Federal International Finance (2020-2025)
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Tinjauan Fungsi Pendukung
Supporting Function Overview
KEBIJAKAN DISASTER RECOVERY CENTER POLICY OF DISASTER RECOVERY CENTER
Dalam rangka memastikan keberlangsungan operasional In order to ensure operational continuity and manage
dan mengelola potensi risiko, Perseroan telah potential risks, the Company has implemented a disaster
mengimplementasikan kebijakan pemulihan bencana untuk recovery policy for information technology systems. This
sistem teknologi informasi. Kebijakan ini berfungsi sebagai policy serves as a guideline in maintaining the Company's
pedoman dalam menjaga kesiapan Perseroan menghadapi readiness to face various challenges that may affect the
berbagai tantangan yang dapat memengaruhi ketersediaan availability of information technology services. The Disaster
layanan teknologi informasi. Disaster Recovery Center Recovery Center (DRC) is an essential element in the risk
(“DRC”) menjadi elemen penting dalam strategi mitigasi mitigation strategy, designed to ensure business continuity
risiko, yang dirancang untuk menjamin kelangsungan effectively, efficiently, and sustainably.
operasional bisnis secara efektif, efisien, dan berkelanjutan.
Kebijakan mengenai Disaster Recovery Center tertuang The policy concerning the Disaster Recovery Center
dalam Pedoman No. 004/FIF/PEDOMAN/ICT/VI/2024 is contained in Guideline No. 004/FIF/PEDOMAN/ICT/
yang mengatur Information Technology Disaster Recovery VI/2024 which regulates the Information Technology
Plan (IT DRP). Pedoman ini memberikan kerangka kerja Disaster Recovery Plan (IT DRP). This guideline provides
komprehensif dalam mengelola risiko operasional akibat a comprehensive framework for managing operational
gangguan sistem teknologi informasi, dengan cakupan yang risks due to information technology system disruptions,
mencakup prosedur mitigasi insiden, pemulihan infrastruktur covering incident mitigation procedures, comprehensive
secara menyeluruh, perlindungan data yang optimal, serta infrastructure recovery, optimal data protection, and
pemulihan layanan teknologi informasi guna mendukung restoration of information technology services to support
operasional Perseroan. the Company's operations.
RENCANA KERJA TI TAHUN 2025 IT STRATEGY PLAN FOR 2025
Adapun beberapa rencana kerja terkait pengembangan Looking ahead, the IT Division has outlined the following
teknologi pada tahun 2025 adalah sebagai berikut: key initiatives for 2025:
1. Modernisasi Sistem: Menyediakan aplikasi yang 1. System Modernization: Providing applications that
mendukung strategi perusahaan melalui modernisasi support the company’s strategy through system
arsitektur sistem dan adopsi teknologi baru. architecture modernization and the adoption of
new technologies.
2. Ketersediaan dan Stabilitas Sistem: Memastikan 2. System Availability and Stability: Ensuring system
ketersediaan sistem, stabilitas layanan, termasuk backup availability, service stability, including backup readiness,
dan recana pemulihan bencana (DRC). and disaster recovery planning (DRC).
3. Kesadaran Keamanan Siber: Meningkatkan keamanan 3. Cybersecurity Awareness: Enhancing cybersecurity
siber dan meningkatkan kesadaran keamanan siber measures and increasing employee awareness
terhadap karyawan. of cybersecurity.
4. Kepatuhan Terhadap Peraturan yang Berlaku: 4. Regulatory Compliance: Aligning work processes
Memastikan proses kerja di perusahaan selaras with corporate strategies and adhering to applicable
dengan strategi perusahaan dan beberapa Regulasi regulations, including UU PDP and OJK’s IT Risk
yang berlaku seperti Undang-Undang Perlindungan Management guidelines.
Data Pribadi, Peraturan OJK terkait Management Risiko
Teknologi Informasi dan beberapa peraturan lain yang
mengatur perusahaan.
5. Pengembangan Kompetensi: Menyediakan pelatihan 5. Competency Development: Providing training and
dan melakukan benchmarking untuk memastikan benchmarking to ensure personnel competencies align
kompetensi personel sejalan dengan teknologi with evolving technologies.
yang digunakan.
Kami percaya bahwa teknologi akan terus menjadi We believe technology will continue to drive innovation and
pendorong utama inovasi dan efisiensi perusahaan. Dengan efficiency within the company. With strong management
dukungan penuh manajemen dan kerja sama lintas divisi, support and cross-division collaboration, FIFGROUP
perusahaan akan siap menghadapi tantangan dan peluang is well-prepared to face future challenges and seize
di tahun mendatang. new opportunities.
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Tata Kelola Perusahaan
Corporate Governance
Analisis &
Pembahasan
Manajemen
Management
Discussion &
Analysis
05
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Perkembangan Ekonomi Global
Global Economic Development
Pasca penerapan kebijakan moneter longgar, stabilitas sektor jasa keuangan nasional tetap
terjaga dengan baik didukung oleh permodalan yang kuat, likuiditas yang memadai, cadangan
devisa yang tinggi, profil risiko yang manageable, serta kinerja sektor jasa keuangan yang
tumbuh positif.
Following the implementation of loose monetary policy, the stability of the national financial services
sector was well maintained, supported by strong capitalization, adequate liquidity, high foreign exchange
reserves, manageable risk profile, and positive growth in the financial services sector.
Menuju penghujung tahun 2024, situasi ekonomi global mulai Towards the end of 2024, the global economic situation is
menunjukkan perbaikan secara bertahap walaupun masih gradually improving. However, it is still overshadowed by
dibayangi oleh sejumlah tantangan dan risiko ketidakpastian several challenges and risks such as uncertainty related
terkait dampak perang Ukraina-Rusia yang masih terasa, to the impact of the Ukraine-Russia war, the ongoing
konflik geopolitik di Timur Tengah yang juga masih belum geopolitical conflicts in the Middle East, the development
usai, hingga berkembangnya fragmentasi geoekonomi dan of geoeconomic fragmentation, and geopolitical tensions
ketegangan geopolitik seiring dengan perubahan poros following shifts in political leadership in many countries after
kepemimpinan politik di banyak negara pasca pemilihan their presidential elections. As stated in the October 2024
umum Presiden. Sebagaimana telah disampaikan dalam edition of the IMF's World Economic Outlook report titled
laporan World Economic Outlook IMF edisi Oktober 2024 "Policy Pivot, Rising Threats", global economic growth in
yang berjudul "Policy Pivot, Rising Threats", pertumbuhan 2024 is projected to remain stable at 3.2% (yoy), in line with
ekonomi global tahun 2024 diproyeksikan tetap stabil di the economics development of the US which shows a soft
level 3,2% (yoy), sejalan dengan perkembangan ekonomi landing with a more controlled inflation rate compared to
Amerika Serikat (AS) yang menunjukkan soft landing dengan the previous year, Gross Domestic Product (GDP) improved
laju inflasi yang lebih terkendali dibandingkan tahun lalu dan by 2.8% (yoy) in 2024. Along with the improvement in
Produk Domestik Bruto (PDB) tumbuh 2,8% (yoy) selama the US economy, the IMF also projected that the global
2024. Seiring dengan membaiknya perekonomian AS, IMF economy will continue to grow despite relatively high
juga memproyeksikan ekonomi dunia akan terus tumbuh benchmark interest rates.
meskipun tingkat suku bunga acuan masih relatif tinggi.
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
Grafik Proyeksi Pertumbuhan PDB Global Grafik Proyeksi Pertumbuhan PDB
Graph of the Global GDP Growth Projections Negara/Kawasan Besar
Graph of the GDP Growth Projections for
Major Countries/Regions
Sumber | Source: IMF Sumber | Source: IMF
dalam persen (%) | in percent (%)
2023 2024 2025
7,0 (0,0)
% India
4,4 4,2 4,2 6,5 (0,0)
5
(0,0) (-0,1) 5,0 (0,0)
Indonesia
4 3,3 3,2 3,2 5,1 (0,0)
(0,0) (-0,1) Tiongkok 4,8 (-0,2)
3 China
1,8 1,8 4,5 (0,0)
1,7
(+0,1) (0,0) 2,8 (+2)
2 AS
2,2 (+0,3)
1 Kawasan Euro 0,8 (-0,1) 2024
Euro Area
1,2 (-0,3)
0 2025
Jepang 0,3 (-0,4)
Global Negara Maju Negara Japan
Developed Berkembang 6,5 1,1
Countries Developing
Countries
Keterangan : angka di dalam kurung merupakan perubahan dari proyeksi IMF pada World Economic Outlook Edisi Juli 2024.
Note : the figures in brackets are changes to the IMF projections in the July 2024 Edition of the World Economic Outlook.
Group Riset - Reasearch Digest Edisi Oktober 2024 | Group Riset - Reasearch Digest, October 2024 Edition
Berdasarkan grafik di atas terlihat bahwa divergensi Based on the graph above, it is evident that divergence
pertumbuhan ekonomi dunia melebar dipimpin pertumbuhan in global economic growth is widening, led by the improving
ekonomi AS yang mulai membaik, sementara negara- US economy, while other developed countries are still
negara maju lain masih berjuang untuk pulih. Hal itu struggling to recover. This is reflected in the realization of
tercermin dari realisasi pertumbuhan ekonomi Kawasan Eurozone economic growth, which is reported to grow only
Euro yang dilaporkan hanya tumbuh 0,7% (yoy) c. Sementara 0.7% (yoy) during 2024 as its manufacturing sector remains
dari kawasan Asia, Jepang nyaris tidak mencatatkan under pressure, affecting the growth of major economies
pertumbuhan ekonomi selama 2024 dan hanya tumbuh 0,1% such as Germany and Italy. Meanwhile, in Asia, Japan barely
(yoy). Demikian halnya Tiongkok sebagai negara dengan recorded economic growth during 2024 and only grew
perekonomian terbesar di Asia juga kehilangan momentum 0.1% (yoy). Similarly, China as Asia's largest economy has
untuk melaju lebih kuat karena masih bergulat dengan lost momentum for stronger expansion due to ongoing
tantangan gelembung real estat yang pecah dan tingginya challenges, including the burst of the real estate bubble,
utang pemerintah, aging population dan tensi perdagangan high government debt, an aging population, and escalating
dengan AS yang terus memanas. trade tensions with the US.
Dari sisi kebijakan moneter, global easing cycle diperkirakan From a monetary policy perspective, the global easing
terus berlanjut hingga tahun 2026 yang akan datang seiring cycle is expected to continue until 2026, in line with the
dengan terus menurunnya tekanan inflasi. Dari Kawasan ongoing decline in inflationary pressures. In the Eurozone,
Euro, European Central Bank (ECB) telah menurunkan suku the European Central Bank (ECB) has cut its benchmark
bunga acuan untuk ketiga kalinya di bulan September interest rate (BI Rate) for the third time in September 2024
2024 menjadi sebesar 3,25% dan People’s Bank of to 3.25%. The People's Bank of China (PBoC) also cut its BI
China (PBoC) juga memangkas suku bunga acuan untuk rate to support the domestic economy, reducing the Loan
mendukung perekonomian domestik sehingga Loan Prime Prime Rate (LPR) for both 1-year and 5-year tenors to 3.10%
Rate (LPR) baik tenor 1 tahun dan 5 tahun masing-masing and 3.60%, respectively. The US Federal Reserve (Fed),
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turun menjadi 3,10% dan 3,60%. The Federal Reserve (The which is the guide for central banks in other countries, also
Fed) AS yang menjadi kiblat bank-bank sentral di negara lain showed a less aggressive monetary economic direction by
juga menunjukkan arah perekonomian moneter yang tidak lowering the benchmark lending rate by 25 basis points in
seagresif sebelumnya dengan turut menurunkan suku bunga November 2024. Thus, it dropped to the target range of
acuan pinjaman sebesar 25 basis poin pada November 4.50%-4.75% from the previous level of 5.00% level. This
2024 sehingga turun ke kisaran target 4,50%-4,75% dari marked the first rate cut since the US Fed committed to
sebelumnya bertahan di level 5,00%. Langkah ini menandai combating post-pandemic inflationary pressures over the
penurunan bunga acuan yang pertama kali sejak The past two years. It was done by maintaining a benchmark
Fed AS menyatakan komitmen untuk memerangi tekanan interest rate that even reached its highest level since 2001.
inflasi pasca-pandemi selama dua tahun terakhir dengan The US Fed’s monetary easing policy stance indicates that
mempertahankan bunga acuan yang bahkan mencapai level the US economic recovery is progressing well despite global
tertinggi sejak 2001. Stance kebijakan pelonggaran moneter economic turbulence. It is shown from several key indicators,
yang dilakukan The Fed AS tersebut sekaligus menunjukkan including US labor market conditions that generally stabilize.
bahwa proses pemulihan ekonomi AS berjalan dengan baik Also, the inflation rate continued to slow down, approaching
di tengah gejolak ekonomi global sebagaimana terlihat dari the annual target of 2%.
beberapa indikator utama, seperti kondisi pasar tenaga kerja
AS yang secara umum mereda dan laju inflasi terus bergerak
melambat dan mendekati target inflasi tahunan sebesar 2%.
5
4
3
2024 Feb Mar Apr May Jun Jul Aug Sep Oct Nov
China Loan Prime Rate (%) Euro Area Interest Rate (%) United States Interest Rate (%)
Sumber: Tradingeconomis.com (data diolah kembali)
Source: Tradingeconomis.com (data reprocessed)
Sejalan dengan pemangkasan FFR, Bank Indonesia turut In line with the Federal Funds Rate (FFR) cut, Bank Indonesia
melonggarkan suku bunga acuan BI rate hingga menyentuh (BI) also eased its benchmark BI rate to 6.00% level at the
level 6,00% pada akhir 2024 setelah sebelumnya sempat end of 2024 after previously staying at around 6.25%.
bertahan di kisaran 6,25%. Inisiatif ini ditempuh sebagai This initiative was taken as a form of BI's response to the
bentuk respons BI terhadap perkembangan ekonomi dunia dynamic shifts in the global economy. BI is always cautious
yang cenderung bergerak dinamis. BI senantiasa berhati- in deciding the direction of its monetary policy to maintain
hati dalam memutuskan arah kebijakan moneternya demi exchange rate stability. Also, to maintain inflation within
menjaga stabilitas nilai tukar dan inflasi dalam sasaran di targets amid global uncertainties, including post-election
tengah ketidakpastian global, termasuk kebijakan AS pasca- US policies. On the other hand, to mitigate the spillover
pemilu. Sementara itu guna memitigasi dampak rambatan effects of global economic developments, BI continues to
global, BI juga tetap melanjutkan triple intervention dan implement triple intervention and optimize auctions of Bank
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
optimalisasi lelang Sekuritas Rupiah Bank Indonesia (SRBI), Indonesia Rupiah Securities (SRBI), Bank Indonesia Foreign
Sekuritas Valuta Asing Bank Indonesia (SVBI) dan Sukuk Exchange Securities (SVBI), and Bank Indonesia Foreign
Valuta Asing Bank Indonesia (SUVBI) guna menjaga stabilitas Exchange Sukuk (SUVBI) to maintain financial market stability
pasar keuangan dan menyerap aliran modal. and absorb capital flows.
Perkembangan Suku Bank Indonesia (2016-2024)
Development of Bank Indonesia Interest Rates (2016-2024)
6,5%
6,25%
6%
6% 6% 6% 6% 6% 6%
5,75% 5,75% 5,75% 5,75%
5,5%
5,5% 5,5% 5,5% 5,5%
5,25% 5,25% 5,25% 5,25%
5%
5% 5% 5%
4,75% 4,75% 4,75% 4,75% 4,75%
5,5%
4,5% 4,5% 4,5%
4,25% 4,25% 4,25% 4,25%
4%
4% 4%
3,75% 3,75%
3,5%
3,5% 3,5% 3,5% 3,5%
3%
2,5%
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
April 2016
August 2016
December 2016
Sumber | Source: Bank Indonesia
Pasca penerapan kebijakan moneter longgar, stabilitas Following the implementation of loose monetary policy, the
sektor jasa keuangan nasional tetap terjaga dengan baik stability of the national financial services sector was well
didukung oleh permodalan yang kuat, likuiditas yang maintained, supported by strong capitalization, adequate
memadai, cadangan devisa yang tinggi, profil risiko yang liquidity, high foreign exchange reserves, manageable
manageable, serta kinerja sektor jasa keuangan yang risk profile, and positive growth in the financial services
tumbuh positif. Berdasarkan data settlement BI sampai sector. According to BI’s settlement data as of December
dengan 5 Desember 2024, investor asing tercatat beli neto 5, 2024, foreign investors recorded net purchases of
sebesar Rp22,13 triliun di pasar saham, Rp32,33 triliun di Rp22.13 trillion in the stock market, Rp32.33 trillion in the
pasar SBN dan Rp175,89 triliun di SRBI. Berbagai rilis data government securities (SBN) market, and Rp175.89 trillion in
makroekonomi yang telah dipublikasikan oleh negara- SRBI. Various macroeconomic data releases that have been
negara maju dan emerging markets termasuk Indonesia, published by developed countries and emerging markets,
secara umum menunjukkan bahwa tren pemulihan ekonomi including Indonesia. It generally demonstrates that the global
global hingga penghujung tahun 2024 sudah berada di jalur economic recovery trend until the end of 2024 is on the
yang diharapkan meski masih dihadapkan pada tingginya expected path, despite ongoing high risks and uncertainties.
risiko dan ketidakpastian.
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Perekonomian Nasional dan Perkembangan
Industri Pembiayaan
National Economy and the Development of the Financing Industry
Resiliensi Ekonomi Nasional National Economic Resilience
Sepanjang tahun 2024, perekonomian Indonesia tetap Throughout 2024, Indonesia's economy continued to show
menunjukkan kinerja yang solid dan berdaya tahan dari solid performance and resilience against various global
beragam rambatan sentimen global sebagaimana tercermin sentiments, as reflected by strong economic growth of
dari pertumbuhan ekonomi yang tetap kuat sebesar 5,03% 5.03% (yoy). This was supported by increased investment
(yoy), didukung oleh peningkatan aktivitas investasi dan and manufacturing activities, as well as sustained domestic
manufaktur, serta permintaan domestik yang terjaga dan demand, and recovering global demand. Positive signals
permintaan global yang mulai pulih. Sinyal positif pemulihan of domestic economic recovery are also evident in several
ekonomi domestik juga tercermin dari sejumlah indikator economic and business indicators published by BI in
ekonomi dan bisnis yang dipublikasikan BI pada Desember December 2024, including the Consumer Confidence Index
2024, di antaranya Indeks Keyakinan Konsumen (IKK) yang (CCI) which scored 127.7, higher than the previous month'
mendapatkan skor sebesar 127,7, lebih tinggi dibandingkan s index of 125.9. The increase in the CCI score during the
dengan indeks pada bulan sebelumnya sebesar 125,9. period was driven by the Current Economic Condition Index
Peningkatan skor IKK selama periode tersebut didukung oleh (CECI) and the Consumer Expectation Index (CEC) which
Indeks Kondisi Ekonomi Saat Ini (IKE) dan Indeks Ekspektasi were recorded at 116.0 and 139.5, respectively, higher than
Konsumen (IEK) yang masing-masing tercatat sebesar 116,0 the previous month's indexes of 113.5 and 138.3.
dan 139,5, lebih tinggi dibandingkan dengan indeks bulan
sebelumnya yang tercatat sebesar 113,5 dan 138,3.
Secara spasial, seluruh wilayah di Indonesia tumbuh positif From a spatial perspective, all regions in Indonesia have
sepanjang tahun 2024 dengan kontributor utama penopang improved throughout 2024. With Java and Sumatra remains
pertumbuhan ekonomi masih dipimpin oleh wilayah as the main contributors to economic growth, at 4.92% and
Jawa dan Sumatera masing-masing sebesar 4,92% dan 4.45%, respectively. Manufacturing, trade, and infrastructure
4,45%. Sementara aktivitas manufaktur, perdagangan, dan development activities consistently support economic
pembangunan konsisten menopang pertumbuhan ekonomi growth in Java and Sumatra regions. Likewise, downstream
di wilayah Jawa dan Sumatera. Lalu aktivitas hilirisasi industrial activities boosted high economic growth in
menopang pertumbuhan tinggi di wilayah Timur Indonesia, Eastern Indonesia, with Maluku-Papua and Sulawesi regions
dimana wilayah Maluku-Papua dan Sulawesi tumbuh tinggi increased by 7.81% and 6.18%, respectively. The development
masing-masing sebesar 7,81% dan 6,18%. Pembangunan of basic and supporting infrastructure boosted construction
infrastruktur dasar dan penunjang menjadi pendorong activities in Kalimantan, resulting a growth rate of 5.52%.
aktivitas konstruksi di Kalimantan sehingga mencatatkan Meanwhile, tourism activity had a strong improvement,
pertumbuhan sebesar 5,52%. Sedangkan aktivitas pariwisata supporting economic growth in the Bali and Nusa Tenggara
tumbuh kuat sehingga mampu menopang pertumbuhan regions to increase by 5.04%.
ekonomi di wilayah Bali dan Nusa Tenggara tumbuh sebesar
5,04%.
Keberhasilan Pemerintah dalam menjaga stabilitas ekonomi The Government's success in maintaining national economic
nasional di tengah tantangan global tentu tidak lepas dari stability amid global challenges cannot be separated
kerja keras APBN sebagai shock absorber dalam menjaga from the hard work of the State Budget (APBN) as a
daya beli masyarakat. Secara keseluruhan kinerja APBN shock absorber in preserving public purchasing power.
terpantau berjalan on-track dengan realisasi defisit per 31 Overall, the State Budget performance is on-track with the
Desember 2024 ditutup sebesar 2,29% dari Produk Domestik realization of the deficit as of 31 December 2024 closed
Bruto (PDB), atau dalam nominal mencapai Rp507,8 triliun. at 2.29% of Gross Domestic Product (GDP), amounting
Realisasi defisit APBN tahun 2024 lebih rendah dari outlook to Rp507.8 trillion. This deficit is lower than the outlook
laporan sementara (lapsem) sebesar 2,70% dari PDB, namun of the interim report of 2.70% of GDP, but in line with the
sesuai dengan target dalam APBN 2024. Melalui penguatan target in the 2024 state budget. Through the strengthening
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Management Discussion & Analysis
kolaborasi yang solid antara kebijakan fiskal, moneter, of solid collaboration between fiscal, monetary, and financial
dan sektor keuangan, Pemerintah berhasil menjaga stabilitas sector policies, the Government successfully maintained
perekonomian dan pasar keuangan nasional dengan baik the stability of the national economy and financial markets.
sehingga Indonesia memiliki fondasi kuat untuk melanjutkan As a result, Indonesia has a strong foundation to continue
pembangunan ekonomi yang berkelanjutan dan inklusif sustainable and inclusive economic development towards
menuju Indonesia Emas 2045. the Indonesia Emas 2045 (2045 Golden Indonesia).
Tinjauan Industri Pembiayaan dan Sektor Overview of the Financing Industry and
Otomotif Automotive Sector
Menuju sisa tahun 2024, kinerja sektor jasa keuangan Heading towards the end of 2024, the performance of the
termasuk industri lembaga jasa keuangan non-bank (LJK financial services sector including the non-bank financial
NB) yang menjadi bagian dari ekosistem Perseroan tetap institution (NFBI) industry, which is part of the Company's
terjaga dengan baik sejalan dengan pemulihan ekonomi ecosystem is well maintained aligns with the national
nasional yang berada di jalur tepat sesuai ekspektasi economic recovery that is on the right track as expected
Pemerintah. Sesuai dengan publikasi OJK, nilai piutang by the Government. According to data published by the
pembiayaan perusahaan multifinance per 31 Desember Financial Services Authority (FSA), the total financing
2024 mengalami peningkatan sebesar 6,92% (yoy) sehingga receivables of multifinance companies as of December 31,
dibukukan menjadi Rp503,43 triliun. Dari jumlah tersebut, 2024, increased by 6.92% (yoy) to Rp503.43 trillion. Of this
segmen pembiayaan multiguna mendominasi dengan porsi amount, the multipurpose financing segment dominated
sebesar 50,42%, lalu disusul dengan pembiayaan investasi with 50.42%, followed by investment financing of 33.87%,
sebesar 33,87%, modal kerja sebesar 9,91%, pembiayaan working capital of 9.91%, other types of financing of 0.34%,
lainnya sebesar 0,34%, serta pembiayaan berdasarkan and financing based on sharia principles of 5.45%. The
prinsip syariah sebesar 5,45%. Kenaikan piutang diikuti increase in receivables was accompanied by well-maintained
dengan profil risiko pembiayaan yang tetap terjaga financing risk profiles, with the industry’s average net
dengan nilai Non Performing Financing (NPF) net rata-rata Non-Performing Financing (NPF) recorded at 0.75% and
industri tercatat sebesar 0,75% dan NPF Gross perusahaan Gross NPF for financing companies controlled at 2.70% in
pembiayaan pada Desember 2024 terkendali di level 2,70%. December 2024. Meanwhile, the gearing ratio indicator
Di sisi lain, indikator gearing ratio perusahaan pembiayaan for financing companies stood at 2.31 times, significantly
tercatat sebesar 2,31 kali, masih berada jauh di bawah below the maximum limit of 10 times set by FSA regulations.
batas maksimum 10 kali sebagaimana yang diatur dalam
ketentuan OJK.
Meskipun secara kumulatif nilai piutang perusahaan Although the cumulative value of financing company
pembiayaan mengalami pertumbuhan, akan tetapi capaian receivables has grown, this achievement is still below FSA’s
tersebut masih berada di bawah target 10-12% (yoy) yang target of 10-12% YoY for 2024. The slowdown in financing
ditetapkan OJK untuk tahun 2024. Melambatnya aktivitas disbursement activity occurred due to the uncertain supply
penyaluran pembiayaan terjadi karena rantai pasok dan chain and global economic situation that drove the instability
situasi ekonomi global yang tidak menentu mendorong of vehicle material component prices in the automotive
ketidakstabilan harga komponen material kendaraan sector, which has a strong correlation with the financing
pada sektor otomotif yang memiliki korelasi tinggi dengan industry, as well as a significant decline in consumer
industri pembiayaan, serta faktor penurunan daya beli purchasing power due to rising interest rates and inflation.
masyarakat yang signifikan sebagai akibat dari kenaikan According to data from the Association of Indonesian
suku bunga dan inflasi. Melansir data Gaikindo periode Automotive Industries (Gaikindo) for the January–December
Januari-Desember 2024, terlihat bahwa total akumulasi 2024 period, the total national wholesales (factory to dealer)
penjualan wholesales (pabrik ke dealer) mobil nasional car sales decreased by 13.9% (yoy) to 865,723 units, while
menyusut 13,9% (yoy) menjadi 865.723 unit dan penjualan retail (dealer to consumer) car sales also declined by 10.9%
ritel (dealer ke konsumen) mobil nasional juga menurun (yoy) to 889,680 units in the same period. Although these
10,9% (yoy) menjadi 889.680 unit pada periode yang sama. figures showed a decline compared to the previous year,
Meski menunjukkan penurunan apabila dibandingkan the sales achievement in 2024 exceeded Gaikindo's revised
dengan tahun lalu, namun capaian penjualan di 2024 target of 850,0000 units, which was lowered from an initial
melampaui target revisi Gaikindo sebesar 850 ribu unit, target of 1.1 million units.
dari sebelumnya dipatok du angka 1,1 juta unit.
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Sebaliknya menurut data Asosiasi Industri Sepedamotor On the contrary, according to data from the Indonesian
Indonesia (AISI), industri sepeda motor justru mencatatkan Motorcycle Industry Association (AISI), the motorcycle
tren positif setelah sukses memasarkan sebanyak 6.333.310 industry recorded a positive trend after successfully sold
unit motor sepanjang 2024, naik tipis jika dibandingkan 6,333,310 units throughout 2024. It is a slight increase
capaian penjualan tahun lalu sebanyak 6.236.992 unit. compared to the previous year’s sales of 6,236,992 units.
Ramainya penjualan sepeda motor nasional menjadi angin The booming sales of motorcycles nationwide is a breath
segar bagi sektor otomotif di tengah pelemahan daya beli of fresh air for the automotive sector amidst the weakening
masyarakat terutama menurunnya kemampuan kelas consumer purchasing power. Especially regarding the
menengah dan deflasi beruntun yang sedang melanda decline in the financial ability of the middle class, and the
Indonesia. Resiliensi segmen kendaraan roda dua semakin continuous deflation in Indonesia. The resilience of the two-
menegaskan bahwa kebutuhan masyarakat terhadap wheeler segment further confirms that the public's need for
sepeda motor sangat tinggi karena fungsinya yang bukan motorcycles is very high due to its function which is not only
hanya untuk transportasi, melainkan mendukung bisnis for transportation, but also for supporting business or other
atau melakukan kegiatan ekonomi lainnya. Alasan inilah economic activities. Consequently, the decline in purchasing
yang membuat faktor penurunan daya beli masyarakat power had minimal impact on motorcycle sales in 2024.
tidak berdampak signifikan terhadap penjualan sepeda
motor di tahun 2024.
Di tengah perkembangan sektor otomotif nasional yang In the midst of the development of the national automotive
menunjukkan tren penjualan beragam pada berbagai jenis sector, which exhibits varied sales trends across different
produk yang dipasarkan, para pelaku industri multifinance product segments, multifinance industry players including
termasuk Perseroan tetap melihat adanya sejumlah katalis the Company, still identify several catalysts that could drive
yang mampu mendorong peningkatan kinerja perusahaan the improvement of multifinance company performance.
multifinance seperti penurunan tingkat suku bunga di These include a decline in interest rates towards the end
penghujung tahun 2024 dan inflasi yang lebih terkendali, of 2024 and more controllable inflation, the continuation of
berlanjutnya pelonggaran ketentuan uang muka kredit atau the easing of down payment (DP) requirements for motor
down payment (DP) kendaraan bermotor menjadi paling vehicles to at least 0% for all types of new motor vehicles
sedikit 0% untuk semua jenis kendaraan bermotor baru effective from January 1, 2024, to December 31, 2024. There
yang berlaku mulai 1 Januari 2024 sampai 31 Desember were also emerging opportunities in electric car financing,
2024, serta terbukanya peluang untuk objek pembiayaan with demand projected to increase in 2025, alongside the
mobil listrik yang permintaannya diproyeksikan meningkat still large market for used cars and motorcycles.
pada 2025, serta pasar mobil dan sepeda motor bekas
yang masih besar.
Posisi Perseroan di Industri Pembiayaan The Company's Position in the Indonesian
Indonesia Financing Industry
Di bawah payung Astra Group, Perseroan kian memantapkan Under the scope of Astra Group, the Company continues
posisinya sebagai salah satu perusahaan pembiayaan to strengthen its position as one of the leading financing
terkemuka di Indonesia yang memiliki keunggulan kompetitif companies in Indonesia that has competitive advantages in
baik dalam hal keberagaman produk dan/atau layanan terms of the diversity of innovative financial products and/
keuangan yang inovatif dan mampu menjawab kebutuhan or services tailored to meet public needs, as well as the
masyarakat, hingga komitmen untuk membangun Sumber commitment to develop quality Human Capital (HC) which
Daya Manusia (SDM) yang berkualitas sebagai salah is one of the main pillars supporting business sustainability.
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Management Discussion & Analysis
satu pilar utama yang menopang keberlanjutan bisnis. With its unique value preposition, the Company has the
Dengan unique value preposition yang dimiliki, Perseroan opportunity to continue thriving and expanding its market
mempunyai ruang untuk terus bertumbuh dan meningkatkan share, as reflected in the following key indicators:
pangsa pasarnya sebagaimana tercermin dari sejumlah
indikator kunci berikut ini:
Grafik pangsa pasar Perseroan di industri pembiayaan Indonesia
Graph of the Company's market share in the Indonesian financing industry
Piutang Pembiayaan Total Aset
Financing Receivables Total Assets
disajikan dalam jutaan Rupiah | expressed in millions of Rupiah disajikan dalam jutaan Rupiah | expressed in millions of Rupiah
39.902.300 33.793.190 31.271.743 45.681.211 39.168.894 34.542.456
16,63%
7,32%
7,18% 7,08% 7,08%
18,08%
2024 2023 2022 2024 2023 2022
Modal Laba Bersih
Equity Net Income
disajikan dalam jutaan Rupiah | expressed in millions of Rupiah disajikan dalam jutaan Rupiah | expressed in millions of Rupiah
12.175.713 11.291.056 11.121.517 4.415.534 4.107.391 3.173.660
17,76% 15,59%
7,84%
7,48%
7,06%
7,50%
2024 2023 2022 2024 2023 2022
(Seluruh angka dalam grafik disajikan dalam juta Rp, kecuali dinyatakan lain)
(All figures in the graph are presented in million Rp, unless otherwise stated)
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Tinjauan Operasi Per Segmen Usaha dan Informasi
Segmen Usaha
Operations Review by Business Segment and Business Segment Information
Informasi yang berkaitan dengan segmen operasi Perseroan Information related to the Company's operating segments
telah diungkapkan pada Catatan atas Laporan Keuangan has been disclosed in the Notes to the Financial Statements
(CALK) No. 28 di dalam Laporan Keuangan Tahunan PT (CALK) No. 28 in the Annual Financial Report of PT Federal
Federal International Finance untuk tahun yang berakhir International Finance for the year ending December 31,
pada 31 Desember 2024. Mengacu pada rujukan tersebut, 2024. Referring to this document, the Company categorizes
Perseroan membagi kategori segmen-segmen usahanya its business segments as follows:
dengan uraian sebagai berikut:
1. FIFASTRA - Pembiayaan Motor Baru 1. FIFASTRA - New Motorcycle Financing
2. DANASTRA - Pembiayaan Multiguna 2. DANASTRA - Multipurpose Financing
3. SPEKTRA - Pembiayaan Multi Produk 3. SPEKTRA - Multi Product Financing
4. FINATRA - Pembiayaan Mikro Produktif 4. FINATRA - Micro Productive Financing
5. AMITRA - Pembiayaan Syariah 5. AMITRA - Sharia Financing
Kontribusi dari keenam segmen operasi di atas terhadap The contribution of these six operating segments to the
total piutang pembiayaan Perseroan selama 2 (dua) tahun Company's total financing receivables over the past 2 (two)
terakhir berdasarkan jumlah kontrak dalam unit dan nilai years, based on the number of contracts in units and contract
kontrak, adalah sebagai berikut: value, is as follows:
Perubahan
2024 2023
Changes
Jenis Pembiayaan
Type of Financing Jumlah Nilai Jumlah Nilai Nilai
Total Value Total Value Jumlah Value
Total
(Juta Rp) (Juta Rp) (Unit) (Juta Rp)
(Unit) (Unit)
(Million Rp) (Million Rp) (Million Rp)
FIFASTRA 1.685.264 29.900.350 1.602.019 26.921.760 5,20% 11,06%
Pembiayaan Motor
Baru (NMC)
New Motorcycle
Financing
DANASTRA 1.422.872 14.118.470 1.426.122 13.408.988 (0,23%) 5,29%
Pembiayaan
Multiguna
Multipurpose
Financing
SPEKTRA 84.632 423.197 93.481 450.875 (9,47%) (6,14%)
Pembiayaan Multi
Produk
Multi Product
Financing
FINATRA 13.534 914.743 13.453 1.049.714 0,60% (12,86%)
Pembiayaan Mikro
Produktif
Micro Productive
Financing
AMITRA 22.794 586.895 21.130 503.440 7,88% 16,58%
Pembiayaan Syariah
Sharia Financing
TOTAL 3.229.096 45.943.655 3.156.205 42.334.777 2,31% 8,52%
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Analisis & Pembahasan Manajemen
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2024 2023
Proporsi Jumlah Proporsi Nilai Proporsi Jumlah Proporsi Nilai
Kontrak Kontrak Kontrak Kontrak
Jenis Pembiayaan
Total Contract Contract Value Total Contract Contract Value
Type of Financing
Proportion Proportion Proportion Proportion
(Juta Rp) (Juta Rp)
(Unit) (Unit)
(Million Rp) (Million Rp)
FIFASTRA 52,19% 65,08% 50,76% 63,59%
Pembiayaan Motor Baru (NMC)
New Motorcycle Financing
DANASTRA 44.06% 30,73% 45,18% 31,67%
Pembiayaan Multiguna
Multipurpose Financing
SPEKTRA 2,62% 0,92% 2,96% 1,07%
Pembiayaan Multi Produk
Multi Product Financing
FINATRA 0,42% 1,99% 0,43% 2,48%
Pembiayaan Mikro Produktif
Micro Productive Financing
AMITRA 0,71% 1,28% 0,67% 1,19%
Pembiayaan Syariah
Sharia Financing
TOTAL 100,00% 100,00% 100,00% 100,00%
FIFASTRA - Pembiayaan Motor Baru FIFASTRA - New Motorcycle Financing
FIFASTRA merupakan pembiayaan resmi yang disediakan FIFASTRA is an authorized financing service provided by
Perseroan khusus untuk melayani kredit sepeda motor the Company specifically to serve new Honda motorcycle
baru merek Honda. Pada tahun 2024, New Motorcycle loans. In 2024, New Motorcycle Financing (NMC) became the
Financing (NMC) menjadi segmen operasi unggulan yang leading operating segment that contributed the most to the
memberikan kontribusi terbesar terhadap pertumbuhan Company's overall financing growth, with a total number of
pembiayaan Perseroan secara keseluruhan dengan raihan contracts reaching 1,685,264 units. The fund of motor vehicle
jumlah kontrak mencapai 1.685.264 unit, dengan porsi financing reaching Rp29,900,350 million or equivalent to
pembiayaan kendaraan bermotor mencapai Rp29.900.350 65.08% of the Company's total financing in 2024.
juta atau setara dengan 65,08% dari total pembiayaan
Perseroan tahun 2024.
DANASTRA - Pembiayaan Multiguna DANASTRA - Multipurpose Financing
Nilai pembiayaan segmen motor bekas terealisasi mencapai The financing value of the used motorcycle segment reached
Rp14.118.470 juta pada 2024, tumbuh 5,29% dibandingkan Rp14,118,470 million in 2024, increasing by 5.29% compared
tahun sebelumnya sebesar Rp13.408.988 juta. Sepanjang to the previous year of Rp13,408,988 million. Throughout
tahun 2024, pemberian fasilitas dana (DANASTRA) 2024, provision of fund facilities (DANASTRA) contributed
menyumbang sekitar 30,73% terhadap total nilai pembiayaan approximately 30.73% to the Company’s total financing value.
yang dibukukan Perseroan.
SPEKTRA - Pembiayaan Multi Produk SPEKTRA - Multi Product Financing
SPEKTRA merupakan fasilitas pembiayaan di bawah kelolaan SPEKTRA is a financing facility under FIFGROUP's
FIFGROUP yang melayani kredit elektronik & perabotan management that provides loans for electronics, home
rumah tangga, furniture, gadget, produk lifestyle, dan furnishings, furniture, gadgets, lifestyle products, and other
kebutuhan lainnya. Baik debitur perseorangan maupun needs. Both individual and corporate debtors can access
korporasi dapat mengakses pembiayaan SPEKTRA SPEKTRA financing, which offers the advantage of easy
yang memiliki keunggulan berupa kemudahan prosedur payment procedures at both its own sales outlets and partner
pembayaran baik di gerai penjualan sendiri ataupun gerai outlets. Based on the contract value, the electronics and
rekanan. Berdasarkan nilai kontrak, porsi pembiayaan home furnishing financing was recorded at Rp423,197 million
elektronik & perabotan rumah tangga dibukukan mencapai or equivalent to 0.92% of the Company's total financing
Rp423.197 atau setara dengan 0,92% dari total pembiayaan in 2024.
Perseroan tahun 2024.
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FINATRA - Pembiayaan Mikro Produktif FINATRA - Micro Productive Financing
FINATRA adalah salah satu segmen operasi Perseroan FINATRA is one of the Company's operating segments
yang berfokus menyalurkan pembiayaan produktif dengan focused on providing productive financing to MSME players,
tujuan untuk memberikan kemudahan pembiayaan kepada helping them grow and develop their businesses sustainably.
para pelaku UMKM agar mereka dapat menumbuhkan Based on contract value, FINATRA's micro productive
dan mengembangkan usahanya secara berkelanjutan. financing accounted for approximately 1.99% or equivalent
Berdasarkan nilai kontrak, porsi pembiayaan mikro produktif to Rp914,743 million.
FINATRA menyumbang sekitar 1,99% atau setara dengan
Rp 914.743 juta.
AMITRA - Pembiayaan Syariah AMITRA - Sharia Financing
AMITRA merupakan jenis pembiayaan syariah yang dikelola AMITRA is a type of sharia financing managed by FIFGROUP
FIFGROUP dan melayani pembiayaan perjalanan religi, and offers religious travel financing, such as Umrah Regular
seperti Umroh Reguler dan Umroh Plus, serta pembiayaan and Umrah Plus, as well as financing for new Honda
sepeda motor baru Honda dan sepeda motor bekas motorcycles and high-quality used motorcycles under Sharia
berkualitas secara Syariah. Pada tahun 2024, Perseroan principles. In 2024, the Company recorded AMITRA financing
mencatatkan pembiayaan AMITRA sebesar Rp586.895 of Rp586,895 million, an increase of 16.58% compared to
juta, naik 16,58% dibandingkan tahun sebelumnya senilai the previous year of Rp503,440 million. The contribution of
Rp503.440 juta . Kontribusi pembiayaan AMITRA terhadap AMITRA financing to the Company's total financing at the
total pembiayaan Perseroan di akhir Desember 2024 end of December 2024 reached 1.28%.
mencapai 1,28%.
Profitabilitas Segmen terhadap Penghasilan Segments Profitability to Company’s Income
Perseroan
Sebagaimana telah diungkapkan dalam Laporan Keuangan As disclosed in PT Federal International Finance's Annual
Tahunan PT Federal International Finance untuk tahun Financial Report for the year ended December 31, 2024, the
yang berakhir pada 31 Desember 2024, segmen operasi Company's operating segments are categorized based on
Perseroan dibagi berdasarkan produk-produk usaha yang business products, including motor vehicles, electronics,
terdiri dari kendaraan bermotor, elektronik, dan lain-lain. and others. Referring to this categorization, the profability
Mengacu pada pengkategorian tersebut, kinerja profitabilitas performance of each operating segment in relation to the
segmen operasi terhadap total penghasilan Perseroan Company's total income throughout 2024 is summarized
sepanjang tahun 2024 dapat dilihat pada tabel berikut: in the following table:
Segmen Penghasilan Segmen (Rp Juta) Kontribusi terhadap Jumlah Penghasilan
Segment Segment Income (Million Rp) Contribution on Total Income
Kendaraan bermotor 11.605.895 95,49%
Motor vehicle
Elektronik 69.110 0,57%
Electronic
Lain-lain 478.899 3,94%
Others
Tinjauan Bisnis Per Segmen Geografis Business Overview by Geographical Segment
Dalam menjalankan kegiatan usahanya, Perseroan In conducting its business activities, the Company provides
menyediakan layanan operasional fisik melalui 250 physical operational services through 250 branch offices
kantor cabang (termasuk kantor pusat) yang tersebar di (including the head office) spread across several regions
beberapa wilayah Indonesia. Segmen geografis wilayah of Indonesia. The geographical segment of the Company's
operasi Perseroan terbagi ke dalam 8 (delapan) area, operating area is divided into 8 (eight) areas, namely
yaitu Jabodetabek, Jawa Barat, Jawa Tengah, Jawa Timur, Jabodetabek, West Java, Central Java, East Java, Sumatra,
Sumatera, Kalimantan, Sulawesi, Maluku, Papua, serta Bali, Kalimantan, Sulawesi, Maluku, Papua, as well as Bali, East
NTT dan NTB. Nusa Tenggara and West Nusa Tenggara.
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Management Discussion & Analysis
Informasi yang berkaitan dengan kinerja Perseroan selama Information regarding the Company's performance over the
2 (dua) tahun terakhir berdasarkan segmen geografisnya last 2 (two) years, based on its geographical segments, is
disajikan pada tabel-tabel di bawah ini: presented in the tables below:
Kinerja per Segmen Geografis Berdasarkan Pendapatan
Geographical Segment Performance Based on Income
(Dalam Jutaan Rupiah kecuali dinyatakan lain) (in million Rupiah, unless otherwise stated)
Wilayah Pertumbuhan
2024 2023
Area Growth
Sumatera 2.721.349 2.455.340 10,83%
Jabodetabek 2.542.021 2.374.210 7,07%
Jawa Timur 1.308.742 1.183.789 10,56%
East Java
Kalimantan 1.250.687 1.067.539 17,16%
Jawa Tengah 1.267.316 1.009.211 25,57%
Central Java
Sulawesi, Maluku & Papua 1.296.074 959.921 35,02%
Jawa Barat 1.011.664 745.404 35,72%
West Java
Bali, NTB & NTT 756.051 621.070 21,73%
JUMLAH PENDAPATAN 12.153.904 10.416.484 16,68%
TOTAL INCOME
Kinerja per Segmen Geografis Berdasarkan Total Aset
Geographical Segment Performance Based on Total Asset
(Dalam Jutaan Rupiah kecuali dinyatakan lain) (in million Rupiah, unless otherwise stated)
Wilayah Pertumbuhan
2024 2023
Area Growth
Sumatera 10.002.771 9.053.891 10,48%
Jabodetabek 8.956.552 8.297.872 7,94%
Jawa Timur 5.007.630 4.524.211 10,69%
East Java
Kalimantan 4.649.999 4.090.831 13,67%
Jawa Tengah 4.943.440 4.085.094 21,01%
Central Java
Jawa Barat 4.332.021 3.466.910 24,95%
West Java
Sulawesi, Maluku & Papua 3.851.139 2.858.724 34,72%
Bali, NTB & NTT 3.139.175 2.590.561 15,18%
JUMLAH ASET 44.882.727 38.968.094 15,18%
TOTAL ASSETS
Ditambah | Add 3.681.599 3.064.456 20,14%
Aset yang diperoleh untuk ijarah – bersih
Asset acquired for ijarah - net
Dikurangi | Less (2.883.115) (2.863.656) 0,68%
Penyisihan kerugian penurunan nilai
Alllowance for impairment losses
JUMLAH ASET 45.681.211 39.168.894 16,63%
TOTAL ASSETS
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Tinjauan Keuangan
Financial Review
Diskusi dan analisis keuangan berikut ini disusun berdasarkan The following financial discussion and analysis has been
Laporan Keuangan Tahunan PT Federal International Finance prepared based on the Annual Financial Statements of PT
yang berakhir pada tanggal 31 Desember 2024 dan 2023. Federal International Finance ended December 31, 2024 and
Laporan Keuangan telah diaudit oleh Kantor Akuntan 2023. The Financial Statements have been audited by the
Publik (KAP) Rintis, Jumadi, Rianto & Rekan (dahulu KAP Public Accounting Firm (KAP) Rintis, Jumadi, Rianto & Partners
Tanudiredja, Wibisana, Rintis & Rekan dan merupakan firma (formerly KAP Tanudiredja, Wibisana, Rintis & Partners and
anggota jaringan PricewaterhouseCoopers) dan mendapat a member firm of the PricewaterhouseCoopers network)
opini wajar dalam semua hal yang material, posisi keuangan and received a fair opinion in all material aspects on the
Perseroan pada tanggal 31 Desember 2024 dan 2023, serta Company’s financial position as of December 31, 2024 and
kinerja keuangan dan arus kas untuk tahun yang berakhir 2023, as well as the financial performance and cash flows
pada tanggal tersebut, sesuai dengan Standar Akuntansi for the years then ended, in accordance with Indonesian
Keuangan di Indonesia. Laporan auditor independen kepada Financial Accounting Standards. The independent auditor's
para pemegang saham tersebut tertanggal 20 Februari 2025 report to the shareholders was dated February 20, 2025,
dan ditandatangani oleh Akuntan Drs. M. Jusuf Wibisana, and signed by Accountant Drs. M. Jusuf Wibisana, M.Ec.,
M.Ec., CPA dengan surat izin praktik akuntan publik No. CPA with a public accountant practice license No. AP.0222.
AP.0222.
Laporan Posisi Keuangan Statement of Financial Position
Perseroan membukukan kenaikan aset hingga 16.63% dari The Company recorded an increase in assets up to 16.63%
sebesar Rp39,17 triliun di akhir 2023 menjadi Rp45,68 triliun from Rp39.17 trillion at the end of 2023 to Rp45.68 trillion as
pada posisi 31 Desember 2024. Peningkatan aset selama of December 31, 2024. The asset growth during the financial
periode tahun buku utamanya disebabkan oleh pertumbuhan year period was mainly due to an increase in in consumer
piutang pembiayaan konsumen. Sejalan dengan peningkatan finance receivables. In line with asset growth, the Company
aset, Perseroan juga mencatatkan pertumbuhan liabilitas also recorded a 20.19% increase in liabilities, which reached
sebesar 20,19% sehingga dibukukan menjadi Rp33,51 triliun Rp33.51 trillion from Rp27.88 trillion in the same period of
dari senilai Rp27,88 triliun pada periode yang sama di tahun the previous year. This increase in liabilities was primarily
sebelumnya. Kenaikan liabilitas ini terutama dipengaruhi oleh influenced by the Company's funding demands. Similarly,
kebutuhan pendanaan Perseroan. Demikian pula nilai ekuitas the value of equity also increased by 7.84%, rising from
juga mengalami peningkatan 7,84% dari sebelumnya senilai Rp11.29 trillion to Rp12.18 trillion.
Rp11,29 triliun menjadi Rp12,18 triliun.
(Dalam jutaan Rp) (in million Rp)
Pertumbuhan
Uraian Growth
2024 2023
Description
Rp %
Jumlah Aset 45.681.211 39.168.894 6.512.317 16,63
Total Assets
Jumlah Liabilitas 33.505.498 27.877.838 5.627.660 20,19
Total Liabilities
Jumlah Ekuitas 12.175.713 11.291.056 884.657 7,84
Total Equity
ASET ASSETS
Pada akhir Desember 2024, Perseroan membukukan total At the end of December 2024, the Company recorded total
aset senilai Rp45,68 triliun, tumbuh 16,63% dibandingkan assets of Rp45.68 trillion, increasing by 16.63% compared
periode yang sama di tahun sebelumnya sebesar Rp39,17 to the same period of the previous year of Rp39.17 trillion.
triliun. Peningkatan tersebut utamanya dipengaruhi oleh This increase was mainly driven by the growth of consumer
pertumbuhan piutang Pembiayaan konsumen. finance receivables.
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Management Discussion & Analysis
(Dalam jutaan Rp) (in million Rp)
Perubahan
Uraian Change
2024 2023
Description
Nominal %
Kas dan setara kas 304.180 612.439 (308.259) (50,33)
Cash and cash equivalents
Piutang pembiayaan konsumen- 39.902.300 33.793.190 6.109.110 18,08
setelah dikurangi penyisihan kerugian
penurunan nilai
Consumer financing receivables-net of
allowance of impairment losses
Aset yang diperoleh untuk ijarah-setelah 3.681.599 3.064.456 617.143 20,14
dikurangi akumulasi penyusutan
Asset acquired for ijarah-net of
accumulated depreciation
Piutang lain-lain- setelah dikurangi 350.611 192.181 158.430 82,44
penyisihan kerugian penurunan nilai
Other receivables-net of allowance of
impairment losses
Beban dibayar dimuka 131.342 147.498 (16.156) (10,95)
Prepayments
Klaim atas restitusi pajak 11.844 55.178 (43.334) (78,53)
Claim for tax refund
Aset derivatif 197.590 195.833 1.757 0,90
Derivative assets
Investasi pada entitas asosiasi 37.257 57.559 (20.302) (35,27)
Investment in associate
Aset pajak tangguhan-bersih 208.939 297.040 (88.101) (29,66)
Deferred tax assets net
Aset tetap-setelah dikurangi akumulasi 855.549 753.520 102.029 13,54
penyusutan
Fixed assets-net of accumulated
depreciation
JUMLAH ASET 45.681.211 39.168.894 6.512.317 16,63
TOTAL ASSETS
Kas dan Setara Kas Cash and Cash Equivalents
Posisi kas dan setara kas di akhir Desember 2024 dibukukan Cash and cash equivalents position at the end of December
sebesar Rp304,18 miliar, turun 50,33% dibandingkan periode 2024 was recorded at Rp304.18 billion, a decrease of
yang sama pada tahun lalu senilai Rp612,44 miliar. 50.33% compared to the same period of the previous year
of Rp612.44 billion.
Piutang Pembiayaan Konsumen Consumer Financing Receivables
Perseroan mencatatkan akun piutang pembiayaan konsumen The Company records consumer financing receivables as
sebagai jumlah piutang bersih setelah dikurangi dengan net receivables, after deducting co-financed portions—
bagian pembiayaan bersama dimana risiko kredit ditanggung where the credit risk is borne by the co-financiers based
pemberi pembiayaan bersama sesuai dengan porsinya on their respective shares (without recourse)—as well as
(without recourse), penghasilan pembiayaan konsumen unrecognized consumer financing income and allowance for
yang belum diakui dan penyisihan kerugian penurunan nilai. impairment losses. The net consumer financing receivables
Porsi piutang pembiayaan konsumen-bersih terhadap jumlah to the Company's total assets at the end of 2024 and 2023
aset Perseroan di akhir periode pelaporan 2024 dan 2023 reporting periods was 87.35% and 86.28%, respectively.
masing-masing sebesar 87,35% dan 86,28%.
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Selama tahun 2024, jangka waktu pembiayaan konsumen During 2024, the term of consumer financing ranged from 6
berkisar antara 6 - 84 bulan. Piutang pembiayaan konsumen - 84 months. Consumer financing receivables to be received
yang akan diterima dalam jangka waktu 1 tahun adalah within 1 year is Rp24.95 trillion, accounting for 58.32% of
senilai Rp24,95 triliun dengan porsi dari jumlah piutang the total gross consumer financing receivables at the end
pembiayaan konsumen – bruto sebesar 58,32% di akhir of the 2024 period.
periode 2024.
Jatuh Tempo Piutang Pembiayaan Konsumen
Consumer Financing Receivables’ Maturity Date
(Dalam jutaan Rp) (in million Rp)
Uraian
2024 2023
Description
< 1 tahun 24.953.716 21.236.317
< 1 year
1-2 tahun 13.930.263 12.245.086
1-2 years
2-3 tahun 3.734.159 3.016.653
2-3 years
> 3 tahun 167.277 120.814
> 3 years
JUMLAH 42.785.415 36.618.870
TOTAL
Analisis umur piutang pembiayaan konsumen berdasarkan Analysis of the age of consumer financing receivables based
jadwal pembayarannya menunjukkan bahwa sebagian on the payment schedule shows that most of the consumer
besar piutang pembiayaan konsumen yang masih belum financing receivables that were not yet due by the end of
jatuh tempo sampai dengan akhir periode pelaporan 2024 the reporting period in 2024 reached 98.79% and 98.69%
mencapai 98,79% dan sebesar 98,69% di tahun 2023. in 2023. Information on the age of receivables is explained
Informasi mengenai umur piutang dijelaskan melalui tabel in the following table:
berikut ini:
(Dalam jutaan Rp) (in million Rp)
Uraian
2024 2023
Description
Belum jatuh tempo 42.268.255 36.138.794
Current
Lewat jatuh tempo:
Overdue
1 – 30 hari 300.685 273.726
1 – 30 days
31 – 60 hari 119.893 109.799
31 – 60 days
61 – 90 hari 52.212 53.319
61 – 90 days
> 90 hari 44.370 43.232
> 90 days
JUMLAH 42.785.415 36.618.870
TOTAL
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
Selama tahun 2024, suku bunga/marjin efektif berkisar During 2024, the effective interest rate/margin ranged from
antara 9,20% - 45,96% (2023: 10,30% - 47,93%). Sebagai 9.20% - 45.96% (2023: 10.30% - 47.93%). As collateral for
jaminan atas piutang pembiayaan konsumen untuk consumer financing receivables for motor vehicles, the
kendaraan bermotor, Perseroan menerima jaminan dari Company receives collateral in the form of Proof of Motor
konsumen berupa Bukti Pemilikan Kendaraan Bermotor Vehicle Ownership (BPKB) for motor vehicles financed by the
(“BPKB”) atas kendaraan bermotor yang dibiayai Perseroan. Company. As collateral for consumer financing receivables
Sebagai jaminan atas piutang pembiayaan konsumen untuk for business capital, the Company receives collateral in
modal usaha, Perseroan menerima jaminan dari konsumen the form of Proof of Motor Vehicle Ownership (BPKB) or
berupa Bukti Pemilikan Kendaraan Bermotor (“BPKB”) atau Certificate of Ownership (SHM) owned by the consumers.
Sertifikat Hak Milik (“SHM”) yang dimiliki oleh konsumen.
LIABILITAS LIABILITIES
Jumlah liabilitas Perseroan mengalami peningkatan 20,19% The Company's total liabilities increased by 20.19%, from
dari Rp27,88 triliun pada posisi akhir Desember 2023 Rp27.88 trillion at the end of December 2023 to Rp33.51
menjadi Rp33,51 triliun per 31 Desember 2024. Kenaikan trillion as of December 31, 2024. This increase was influenced
tersebut dipengaruhi oleh pendanaan yang diterima oleh by funding received by the Company.
Perseroan
(Dalam jutaan Rp) (in million Rp)
Perubahan
Uraian Change
2024 2023
Description
Nominal %
Utang penyalur kendaraan 170.339 409.575 (239.236) (58,41)
Dealer payables
Utang premi asuransi 505.821 533.460 (27.639) (5,18)
Insurance premium payables
Akrual 533.044 636.123 (103.079) (16,20)
Accruals
Utang pajak 409.028 453.575 (44.547) (9,82)
Taxes payable
Utang lain-lain 212.083 177.196 34.887 19,69
Others payables
Liabilitas derivatif 6.398 13.717 (7.319) (53,36)
Derivative liabilities
Pinjaman 22.736.202 17.171.913 5.564.289 32,40
Loans
Surat berharga yang diterbitkan: 8.620.483 8.215.088 405.395 4,93
Obligasi
Securities issued Bonds -
Liabilitas imbalan kerja 312.100 267.191 44.909 16,81
Employee benefit
obligations
JUMLAH LIABILITAS 33.505.498 27.877.838 5.627.660 20,19
TOTAL LIABILITIES
Pinjaman Loans
Perseroan menerapkan strategi diversifikasi pendanaan The Company implemented a funding diversification
untuk menyebarkan risiko investasi ke berbagai strategy to spread investment risk across various assets
aset dan instrumen yang berbeda. Saat ini porsi and instruments. Currently, the Company's loans come from
pinjaman Perseroan berasal dari berbagai bank lokal several leading local banks in Indonesia, overseas banks,
terkemuka di Indonesia, bank luar negeri, dan pasar and the capital market through bond issuances. Some
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modal melalui penerbitan obligasi. Beberapa bank dalam of the domestic banks providing loans to the Company
negeri yang menyediakan pinjaman kepada Perseroan, include Bank Panin, Bank BCA, Bank Mandiri, Bank CIMB
antara lain Bank Panin, Bank BCA, Bank Mandiri, Bank CIMB Niaga, Bank Muamalat, Bank Maybank, Bank Panin Syariah,
Niaga, Bank Muamalat, Bank Maybank, Bank Panin Syariah, Bank BCA Syariah, Bank BNI, and Bank SMBC Indonesia.
Bank BCA Syariah, Bank BNI, dan Bank SMBC Indonesia. Meanwhile, foreign banks that have partnered with the
Sementara itu bank asing yang menjadi mitra Perseroan Company as creditors include Standard Chartered Bank,
sebagai kreditur, di antaranya Standard Chartered Bank, MUFG Bank, Bank DBS Indonesia, Mizuho Bank Ltd, The
MUFG Bank, Bank DBS Indonesia, Mizuho Bank Ltd, The Hongkong & Shanghai Banking Corporation Limited, ANZ
Hongkong & Shanghai Banking Corporation Limited, Bank Bank Jakarta.
ANZ Jakarta.
Pada posisi 31 Desember 2024, Perseroan mencatatkan As of December 31, 2024, the Company recorded a loan
nilai pinjaman sebesar Rp22,74 triliun, meningkat 32,40% value of Rp22.74 trillion. That was a 32.40% increase
dibandingan periode yang sama di tahun sebelumnya compared to Rp17.17 trillion in the same period of the previous
senilai Rp17,17 triliun. Dari jumlah tersebut, porsi pinjaman year. Of this total, bank loans dominates up to 72.45% or
bank mendominasi hingga 72,45% atau setara Rp16,47 equivalent to Rp16.47 trillion, while the rest is in the form
triliun, sedangkan sisanya berupa pinjaman sindikasi yang of syndicated loans, which contribute 27.55% of the total
berkontribusi sekitar 27,55% terhadap total outstanding outstanding loans or worth Rp6.26 trillion.
pinjaman atau senilai Rp6,26 triliun.
Pinjaman-pinjaman tersebut di atas dikenakan suku bunga The abovementioned loans have interest rates ranging
5,20%-7,20% per tahun pada tahun 2024 untuk mata uang from 5.20%-7.20% per annum in 2024 for Rupiah currency
Rupiah (31 Desember 2023: 5,20%-7,75%), antara 5,03%- (December 31, 2023: 5.20%-7.75%), and 5.03% to 5.69% per
5,69% per tahun untuk mata uang Dolar AS (31 Desember annum for US Dollar currency (December 31, 2023: 6.07%
2023: 6,07%-6,31%). Seluruh pinjaman bank per tanggal - 6.31%). All bank loans as of December 31, 2024, are not
31 Desember 2024 tidak dijamin dengan jaminan fidusia. secured by fiduciary guarantees.
Dalam menyalurkan pembiayaan konsumen, Perseroan In disbursing consumer financing, the Company uses
menggunakan seluruh pinjaman sebagai modal kerja. all loans as working capital. The Company ensures that
Perseroan memastikan telah mematuhi pembatasan- it has complied with the restrictions required in the loan
pembatasan yang diwajibkan dalam perjanjian pinjaman, agreements, such as limitations on regulated financial ratios.
seperti batasan rasio keuangan yang diatur. Sesuai In accordance with some loan agreements, the Company
dengan beberapa perjanjian pinjaman, Perseroan memiliki has certain obligations that must be fulfilled in this regard.
kewajiban-kewajiban tertentu yang harus dipenuhi dalam
hal ini.
Surat Berharga yang Diterbitkan - Obligasi Securities Issued - Bonds
Selain mengandalkan pinjaman bank, Perseroan juga In addition to relying on bank loans, the Company also
mencari sumber pendanaan lain dari pasar modal melalui seeks other sources of funding from the capital market
penerbitan efek-efek utang berupa obligasi. Dengan through the issuance of debt securities in the form of bonds.
menerbitkan efek-efek tersebut, Perseroan memiliki tingkat By issuing these securities, the Company gains high level
fleksibilitas keuangan yang sangat tinggi untuk mendukung of financial flexibility to support the continuity of its daily
keberlangsungan aktivitas usaha setiap harinya. Secara business activities. Cummulatively, debt securities issued
kumulatif, efek utang yang diterbitkan dan belum jatuh tempo and not yet matured were recorded at Rp8.63 trillion in 2024,
dibukukan sebesar Rp8,63 triliun pada tahun 2024, lebih an increase compared to Rp8.22 trillion in the previous year.
tinggi dibandingkan tahun sebelumnya sebesar Rp8,22 The following is a description of the Company's bond debt
triliun. Berikut ini adalah gambaran komposisi utang obligasi composition based on its maturity:
Perseroan berdasarkan tenggat waktu jatuh temponya:
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
Komposisi Utang Obligasi - Jatuh Tempo
Bonds Composition - Maturity
24,77% 44,54% 32,19% 49,78%
2024 2023
30,69% 18,02%
<1 tahun 1-2 tahun 2-3 tahun <1 tahun 1-2 tahun 2-3 tahun
<1 years 1-2 tahun 2-3 tahun <1 years 1-2 tahun 2-3 tahun
Informasi lebih lengkap mengenai daftar obligasi yang telah Further information regarding the list of bonds issued by
diterbitkan oleh Perseroan dapat ditemukan pada Bab Profil the Company can be found in the Company Profile Chapter,
Perusahaan, sub-bab Kronologi Pencatatan Efek Lainnya, under the sub-chapter of Chronology of Other Securities
di dalam Laporan Tahunan ini. Listing, in this Annual Report.
EKUITAS EQUITY
(Dalam jutaan Rp) (in million Rp)
Perubahan
Uraian Change
2024 2023
Description
Nominal %
Modal ditempatkan dan disetor penuh 280.000 280.000 0 0,00
Issued and fully paid-up capital
Tambahan modal disetor-divestasi 36.020 36.020 0 0,00
entitas pengendali
Additional paid-in capital –
divestment of controlling entity
Cadangan lindung nilai arus kas (5.566) 10.383 (15.949) (153,61)
Cash flow hedges reserve
Saldo laba 11.865.259 10.964.653 900.606 8,21
Retained earnings
JUMLAH EKUITAS 12.175.713 11.291.056 884.657 7,84
TOTAL EQUITY
Posisi ekuitas Perseroan terdiri dari modal ditempatkan dan The Company's equity position consists of issued and
disetor penuh, tambahan modal disetor-divestasi entitas fully paid capital, additional paid-in capital – divestment of
pengendali, cadangan lindung nilai arus kas, serta saldo laba. controlling entity, cash flow hedges reserve, and retained
Per 31 Desember 2024, nilai ekuitas Perseroan dibukukan earnings. As of December 31, 2024, the Company's equity
sebesar Rp12,18 triliun, tumbuh 7,84% dibandingkan posisi value was recorded at Rp12.18 trillion, an improventment of
yang sama di tahun sebelumnya sebesar Rp11,29 triliun. 7.84% compared to the same position in the previous year
of Rp11.29 trillion.
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Laporan Laba (Rugi) dan Penghasilan Statement of Profit (Loss) and Other
Komprehensif Lain Comprehensive Income
Berkat penerapan strategi pertumbuhan usaha yang tepat Due to the effective growth strategy and consistent business
dan eskalasi bisnis yang terus dilakukan secara konsisten, escalation, the Company achieved a 16.68% increase in
Perseroan berhasil membukukan kenaikan penghasilan income in 2024, reaching Rp12.15 trillion, an improvement
sebesar 16,68% di tahun 2024 sehingga dibukukan from Rp10.42 trillion in 2023. In line with the positive trend
menjadi Rp12,15 triliun, dari senilai Rp10,42 triliun pada in top line performance, the Company's profitability also
2023. Sejalan dengan kinerja top line yang menunjukkan increased, as reflected in the realization of net profit of
tren positif, profitabilitas Perseroan turut mengalami Rp4.42 trillion, increasing 7.50% from last year's Rp4.11 trillion.
peningkatan sebagaimana tercermin dari realisasi laba
bersih sebesar Rp4,42 triliun, tumbuh 7,50% dari tahun lalu
senilai Rp4,11 triliun.
Sementara dari sisi kinerja pembiayaan, Perseroan Meanwhile, in terms of financing performance, the Company
berhasil membuktikan kemampuannya dalam menyalurkan succeeded in proving its ability to channel new financing
pertumbuhan pembiayaan baru dengan kualitas risiko yang growth with quality risk maintained. In line with this, the
tetap terjaga. Sejalan dengan hal itu, beban penyisihan allowance for impairment losses on consumer financing was
kerugian penurunan nilai pembiayaan konsumen dibukukan recorded at Rp1.06 trillion in 2024, an increase of 30.61%
menjadi Rp1,06 triliun pada 2024, meningkat 30,61% compared to Rp810.14 billion in the previous year previous
dibandingkan tahun sebelumnya senilai Rp810,14 miliar. year.
Sementara itu jumlah penghasilan komprehensif yang Meanwhile, the total comprehensive income attributed
diatribusikan kepada entitas induk mengalami peningkatan to the parent entity increased by 6.32%, reaching Rp4.40
6,32% sehingga dibukukan menjadi Rp4,40 triliun pada tahun trillion in 2024, higher than the previous year's realization of
2024, lebih tinggi dibandingkan realisasi tahun sebelumnya Rp4.14 trillion. In line with the increase in net profit, the basic
senilai Rp4,14 triliun. Sejalan dengan kenaikan laba bersih, earnings per share of the Company also rose to Rp15,770
maka laba bersih per saham dasar Perseroan juga meningkat per share, an increase from Rp14,669 previously.
menjadi Rp15.770 per saham dari sebelumnya sebesar
Rp14.669.
(Dalam jutaan Rp) (in million Rp)
Perubahan
Uraian Change
2024 2023
Description
Nominal %
Jumlah Penghasilan 12.153.904 10.416.484 1.737.420 16,68
Total income
Beban usaha (2.945.353) (2.496.902) 448.451 17,96
Operating expenses
Beban bunga dan keuangan (2.095.510) (1.579.495) 516.015 32,67
Interest and financing charges
Penyisihan kerugian penurunan nilai (1.058.091) (810.138) 247.953 30,61
pembiayaan konsumen
Allowance for impairment losses of
consumer financing
Rugi entitas asosiasi (20.282) (20.605) (323) (1,57)
Loss from investment in associate
Beban penurunan nilai lain-lain (363.281) (235.891) 127.390 54,00
Other impairment charges
Laba sebelum pajak penghasilan 5.671.387 5.273.453 397.934 7,55
Total other expenses
Beban pajak penghasilan (1.255.853) (1.166.062) 89.791 7,70
Profit before income tax
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
(Dalam jutaan Rp) (in million Rp)
Perubahan
Uraian Change
2024 2023
Description
Nominal %
Laba bersih 4.415.534 4.107.391 308.143 7,50
Income tax expense
(Kerugian)/Penghasilan komprehensif (16.317) 30.308 (46.625) (153,84 )
lain tahun berjalan, setelah pajak
Other comprehensive income for the
year, net of tax
Jumlah penghasilan komprehensif tahun 4.399.217 4.137.699 261.518 6,32
berjalan, setelah pajak
Total comprehensive income for the year,
net of tax
Laba bersih per saham dasar (Rupiah 15.770 14.669 1.101 7,51
penuh)
Basic earnings per share (full Rupiah
amount)
Penghasilan Income
Sejalan dengan fokus strategi Perseroan dalam melakukan Aligned with the Company's strategic focus on expanding
ekspansi penyaluran pembiayaan di tahun 2024, Perseroan financing distribution, in 2024, the Company managed to
berhasil mencatatkan kenaikan total penghasilan secara record an increase in cumulative total income of 16.68%,
kumulatif sebesar 16,68% sehingga dibukukan menjadi reaching Rp12.15 trillion, an increase from Rp10.42 trillion
Rp12,15 triliun, dari senilai Rp10,42 triliun pada 2023. in 2023. The largest contribution to this income came from
Kontribusi terbesar dari penghasilan tersebut berasal dari consumer financing, which was recorded at Rp9.50 trillion or
pembiayaan konsumen yang tercatat Rp9,50 triliun atau equivalent to 78.16% of the Company's total income in 2024.
setara 78,16% dari total penghasilan Perseroan tahun 2024. Income earned by the Company from consumer financing
Penghasilan yang diperoleh Perseroan dari pembiayaan during 2024 showed a 5.37% increase compared to the
konsumen selama 2024 menunjukkan peningkatan 5,37% previous year’s Rp9.01 trillion.
jika dibandingkan dengan tahun sebelumnya sebesar Rp9,01
triliun.
Beban Expenses
Perseroan mencatatkan beban Perseroan sebesar Rp6,48 The Company recorded expenses of Rp6.48 trillion in 2024,
triliun pada 2024, meningkat 26,04% dari sebelumnya a 26.04% increase from the previous Rp5.14 trillion. Of this
senilai Rp5,14 triliun. Dari jumlah tersebut beban usaha amount, operating expenses had the highest portion of
memiliki porsi tertinggi sebesar 45,44% atau setara dengan 45.44% or equivalent to Rp2.94 trillion. It is higher than the
Rp2,94 triliun, lebih tinggi dari tahun sebelumnya sebesar previous year of Rp2.49 trillion.
Rp2,49 triliun.
Laporan Arus Kas Cash Flow Statement
Arus kas masuk Perseroan berasal dari penerimaan angsuran The Company's cash inflow comes from the receipt of
debitur, pinjaman bank dan/atau obligasi dan penerimaan installments from debtors, bank loans and/or bonds, and
fasilitas pembiayaan bersama dengan bank. Sedangkan arus the receipt of co-financing facilities with banks. Meanwhile,
kas keluar Perseroan utamanya digunakan untuk membayar the Company's cash outflow is primarily used to pay debts
utang kepada Penyalur Kendaraan, membayar utang atas to Vehicle Dealers, as well as to pay off bank loans and/or
pinjaman bank dan/atau obligasi, baik pokok maupun bonds, including both principal and installment payments
membayar angsuran yang menjadi porsi dari pembiayaan that are part of joint financing with banks. The following are
bersama dengan bank. Berikut ini adalah rincian arus kas details of the Company's cash flows for the years ended
Perseroan untuk tahun yang berakhir pada tanggal-tanggal December 31, 2024, and 2023:
31 Desember 2024 dan 2023:
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(Dalam jutaan Rp) (in million Rp)
Pertumbuhan
Uraian Growth
2024 2023
Description
Nominal %
Arus kas bersih digunakan untuk (2.166.579) (650.966) 1.515.613 232,83
aktivitas operasi
Net cash flows used in operating
activities
Arus kas bersih digunakan untuk (485.684) (430.055) 55.629 12,94
aktivitas investasi
Net cash flows used in investing
activities
Arus kas bersih diperoleh dari aktivitas 2.344.712 1.075.729 1.268.983 117,96
pendanaan
Net cash flows provided by financing
activities
Penurunan bersih kas dan setara kas (307.551) (5.292) 302.259 5.711,62
Net decrease in cash and cash
equivalents
Penyesuaian atas selisih kurs dalam kas (708) (508) 200 39,37
dan setara kas
Foreign exchanges adjustment in cash
and cash equivalents
Kas dan setara kas pada awal tahun 612.439 618.239 (5.800) (0,94)
Cash and cash equivalents at beginning
of year
Kas dan setara kas pada akhir tahun 304.180 612.439 (308.259) (50,33)
Cash and cash equivalents at end of
year
Arus Kas Digunakan untuk Aktivitas Operasi Cash Flow Used in Operating Activities
Perseroan mencatatkan penggunaan kas bersih sebesar The Company recorded a net use of cash of Rp2.17 trillion by
Rp2,17 triliun di akhir 2024, meningkat signifikan hingga the end of 2024, a significant increase of 232.83% compared
232,83% dibandingkan dengan realisasi pada periode yang to the realization in the same period of the previous year
sama di tahun sebelumnya senilai Rp650,97 miliar. Lonjakan of Rp650.97 billion. The surge in net cash flows used in
peningkatan arus kas bersih yang digunakan untuk aktivitas operating activities was due to the Company's increased
operasi terjadi karena meningkatnya operasional bisnis business operations.
Perseroan.
Arus Kas Digunakan untuk Aktivitas Investasi Cash Flow Used in Investing Activities
Kas bersih yang digunakan Perseroan untuk melakukan The net cash used by the Company for investing activities at
kegiatan investasi di akhir 2024 tercatat sebesar Rp485,68 the end of 2024 was recorded at Rp485.68 billion, 12.94%
miliar, naik 12,94% dari tahun sebelumnya senilai Rp430,06 improved from the previous year of Rp430.06 billion. The
miliar. Kenaikan tersebut terutama dipengaruhi oleh increase was mainly due to the Company's purchase of
pembeliat asset tetap Perseroan. fixed assets.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Kas bersih yang diperoleh Perseroan dari aktivitas Net cash provided by the Company from financing activities
pendanaan tercatat sebesar Rp2,34 triliun pada akhir was recorded at Rp2.34 trillion at the end of 2024, 117.96%
tahun 2024 atau lebih tinggi 117,96% dibandingkan tahun higher than the previous year’s Rp1.08 trillion.
sebelumnya senilai Rp1,08 triliun.
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Rasio-Rasio Keuangan Utama Key Financial Ratios
Dalam menyelenggarakan kegiatan usaha pembiayaan, In conducting financing business activities, the Company
Perseroan memastikan kepatuhannya terhadap ketentuan ensures its compliance with the provisions of POJK No. IX.
POJK No. 35/POJK.05/2018 (“POJK 35/2018”) tanggal 35/POJK.05/2018 ("POJK 35/2018") dated December 31,
31 Desember 2018 tentang Penyelenggaraan Usaha 2018, concerning the Business Operations of Financing
Perusahaan Pembiayaan dan peraturan terkait lainnya. Companies, and other related regulations. By applying
Dengan menerapkan prinsip kehati-hatian dalam mengelola the precautionary principle in managing the business,
bisnis, Perseroan berhasil menjaga tingkat kesehatan the Company has maintained its financial health at a safe
keuangan di level yang aman sebagaimana tercermin dari level, as reflected in the results of the calculation of several
hasil perhitungan beberapa rasio keuangan yang bersifat financial ratios that are mandatory for financing companies,
wajib bagi perusahaan pembiayaan, antara lain: including:
Rasio keuangan wajib berdasarkan POJK 35/2018
2024 2023
Financial ratios based on POJK 35/2018
Rasio saldo piutang pembiayaan neto terhadap total aset 87,18% 86,12%
Net financing receivables to asset
ratio
Rasio saldo piutang pembiayaan neto terhadap total 127,25% 113,11%
pendanaan yang diterima
Net financing receivables to
funding ratio
Rasio saldo piutang pembiayaan neto untuk pembiayaan 13,89% 15,15%
investasi dan modal kerja dibandingkan dengan total saldo
piutang pembiayaan
Net financing receivables for investment and working capital
financing to total financing
receivables ratio
Rasio piutang pembiayaan bermasalah (”NPF”)-bruto 1,18% 0,98%
Non-performing financing ratio
(“NPF”)-gross
Rasio ekuitas terhadap modal disetor 4.381,06% 4.057,86%
Equity to paid up capital ratio
Rasio permodalan 30,14% 32,88%
Capital ratio
Rasio keuangan lainnya
2024 2023
Other financial ratios
Rasio Laba terhadap Jumlah Aset 12,41% 13,46%
Return on Assets (ROA)
Rasio Laba Terhadap Jumlah Ekuitas 36,27% 36,38%
Return on Equity (ROE)
Jumlah liabilitas/jumlah aset 0,73 x 0,71 x
Total liabilities/total assets
Jumlah liabilitas/jumlah ekuitas 2,75 x 2,47 x
Total liabilities/total equities
Gearing ratio 2,58 x 2,25 x
Gearing ratio
Komitmen dan Kontinjensi Commitments and Contingencies
Perseroan tidak memiliki liabilitas kontinjen yang signifikan The Company has no significant contingent liabilities as of
pada tanggal 31 Desember 2024 dan 2024. December 31, 2024 and 2024.
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Informasi Keuangan Material Lainnya
Other Material Financial Information
Kemampuan Membayar Utang dan Kolektibilitas Ability to Pay Debt and Receivables Collectibility
Piutang & Rasio Keuangan yang Relevan & Relevant Financial Ratios
Kemampuan Membayar Utang Ability to Pay Debt
Pengelolaan likuiditas secara hati-hati dan cermat menjadi Prudent and careful liquidity management is one of the
salah satu hal yang sangat penting bagi Perseroan karena most important aspects for the Company, as it can affect
berpotensi mempengaruhi kemampuan perusahaan the Company's ability to fulfill its short-term and long-term
dalam memenuhi kewajiban jangka pendek dan jangka obligations. From an external perspective, the Company's
panjangnya. Dari sudut pandang eksternal, kredibilitas credibility in repaying all short-term and long-term debt is
Perseroan dalam melunasi seluruh utang jangka pendek reflected in the debt ratings given by leading rating agencies
dan jangka panjang dapat dilihat dari peringkat utang yang in Indonesia, such as Pefindo and Fitch Rating Indonesia.
diberikan oleh lembaga rating terkemuka di Indonesia, Meanwhile, from the internal side, the Company's ability to
seperti Pefindo dan Fitch Rating Indonesia. Sementara dari fulfill all its obligations, both short and long term, is reflected
sisi internal, kemampuan Perseroan dalam memenuhi seluruh in the position of its liquidity ratio and solvency ratio.
kewajibannya baik jangka pendek maupun jangka panjang
tercermin dari posisi rasio likuiditas dan rasio solvabilitasnya.
Kemampuan Membayar Utang Jangka Pendek - Ability to Pay Short-Term Debt - Liquidity Ratio
Rasio Likuiditas
Dalam upaya menjaga keberlangsungan usahanya, In an effort to maintain business continuity, the Company
Perseroan memastikan telah memiliki likuiditas yang cukup ensures that it has sufficient liquidity to meet short-term
untuk memenuhi kewajiban jangka pendek yang akan jatuh obligations that will come due and has adequate funding to
tempo, serta memiliki pendanaan yang memadai untuk finance operations and short-term expansion projects. The
membiayai operasional dan proyek-proyek ekspansi jangka Company's efforts to maintain its ability to pay short-term
pendek. Upaya Perseroan dalam menjaga kemampuan obligations are carried out by prudently managing liquidity
membayar kewajiban jangka pendek dilakukan dengan risk by ensuring the adequacy of funds in a timely manner
melakukan pengelolaan risiko likuiditas secara hati-hati from various available sources, and ensuring the availability
(prudent) dengan memastikan kecukupan dana secara tepat of high-quality liquid assets.
waktu dari berbagai sumber dana yang tersedia, termasuk
memastikan ketersediaan aset likuid berkualitas tinggi.
Berikut ini adalah hasil perhitungan rasio likuiditas Perseroan The following is the calculation of the Company's liquidity
selama 2 (dua) tahun terakhir: ratio for the last 2 (two) years:
Rasio Keuangan
2024 2023
Financial Ratio
Rasio Kas 1,59% 3,68%
Cash Ratio
Rasio Lancar 125,71% 123,69%
Current ratio
Sejalan dengan peningkatan rasio-rasio likuiditas sepanjang In line with the improvement in liquidity ratios throughout
tahun 2024, maka dapat disimpulkan bahwa kemampuan 2024, it can be concluded that the Company's ability to pay
Perseroan dalam membayar atau melunasi kewajiban jangka or pay off short-term obligations due in 2024 is relatively
pendek yang jatuh tempo di tahun 2024 relatif lebih baik better than the previous year.
dibandingkan tahun sebelumnya.
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Kemampuan Membayar Utang Jangka Panjang - Ability to Pay Long-Term Debt - Solvency Ratio
Rasio Solvabilitas
Perseroan mengukur rasio solvabilitas sebagai tolok ukur The Company measures solvency ratio as an accurate
yang akurat untuk mengukur kemampuan perusahaan dalam benchmark to asses its ability to pay long-term debt. One
membayar utang jangka panjang. Salah satu pengukur measure of solvency is the ratio of interest-bearing liabilities
solvabilitas adalah rasio kewajiban yang mengandung to equity (gearing ratio) or the level of comparison of interest-
beban bunga terhadap ekuitas (gearing ratio) atau tingkat bearing liabilities to equity. In 2024, the Company's gearing
perbandingan kewajiban yang mengandung beban bunga ratio was recorded at 2.58 times, still far below the applicable
dengan ekuitas. Pada tahun 2024, nilai gearing ratio POJK 35/2018 provisions, which set the maximum ratio at
Perseroan tercatat sebesar 2,58 kali, masih jauh berada 10 times. This shows that the Company has the ability to
jauh di bawah ketentuan POJK 35/2018 yang berlaku, yaitu repay short-term and long-term loan obligations that include
maksimal 10 kali. Hal ini menunjukkan bahwa Perseroan interest expenses.
memiliki kemampuan untuk membayar kembali kewajiban
pinjaman jangka pendek maupun jangka panjang yang
mengandung beban bunga.
Kesanggupan dan kredibilitas Perseroan dalam melunasi The Company's ability and credibility in repaying long-term
kewajiban utang jangka panjang juga tercermin dari debt obligations is also reflected in the highest rating given
peringkat tertinggi yang diberikan oleh Pefindo terhadap by Pefindo to the Company or Corporate Rating with a score
Perseroan atau Corporate Rating dengan skor idAAA/Stable of idAAA/Stable, and Fitch Rating Indonesia which also
dan Fitch Rating Indonesia yang juga menetapkan Peringkat assigned a Long-Term National Rating with a score of AAA
Nasional Jangka Panjang dengan skor AAA(idn)/Stable (idn)/StableOutlook. These ratings were granted based on
Outlook. Kedua hasil pemeringkatan tersebut diberikan the Company's track record of consistently fulfilling its long-
atas dasar rekam jejak Perseroan yang selalu tepat waktu term financial commitments on time, including principal and
dalam memenuhi komitmen keuangan jangka panjang, coupon payments for bonds and MTNs. Since the beginning
termasuk pembayaran pokok serta kupon obligasi dan MTN. of the issuance of debt securities until the end of 2024, the
Sejak awal penerbitan efek-efek utang sampai dengan akhir Company has never experienced a default in fulfilling its
2024, Perseroan tidak pernah mengalami gagal bayar dalam obligations to third parties.
memenuhi kewajibannya kepada pihak ketiga.
Tingkat Kolektibilitas Piutang Receivables Collectability Level
Dalam menyalurkan pembiayaan kepada debitur, Perseroan In disbursing financing to debtors, the Company always
senantiasa mencermati perkembangan ekonomi nasional pays close attention to national economic developments,
terutama memantau pergerakan arah kebijakan BI terkait especially monitoring the movement of Bank Indonesia's
tingkat suku bunga acuan BI rate karena akan mempengaruhi policy direction related to the BI rate, as it affects the interest
suku bunga pinjaman yang diberikan kepada debitur. Selain rates on loans provided to debtors. In addition to regularly
memantau pergerakan pasar secara berkala, Perseroan juga monitoring market movements, the Company effectively
melakukan pengelolaan aset produktif secara efektif dan manages productive assets and ensures that all financing
memastikan seluruh aktivitas pembiayaan yang dijalankan activities undergo a comprehensive credit analysis stage,
telah melewati tahapan analisis kredit yang komprehensif involving various parties to obtain approval. By prioritizing
serta melibatkan berbagai pihak untuk mendapatkan the principle of prudence, the Company's quality NPF ratio
persetujuan. Dengan mengutamakan prinsip kehati-hatian, for 2024 is steady at 1.18%.
kualitas rasio NPF Perseroan untuk tahun 2024 tetap terjaga
di level 1,18%.
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Perseroan mengklasifikasikan piutang pembiayaan The Company classifies consumer financing receivables
konsumen sebagai penurunan nilai apabila telah menunggak as impaired if they are overdue more than 90 days, and
lebih dari 90 hari dan perhitungan penyisihan kerugian the calculation of allowance for impairment losses is done
akibat penurunan nilai dilakukan secara kolektif. Pada collectively. In 2024, the risk of receivables that are not yet
tahun 2024, risiko piutang usaha yang belum jatuh tempo due and have not experienced impairment is low because
dan tidak mengalami penurunan nilai adalah kecil karena customers receiving loans from the Company have a good
pelanggan yang menerima pinjaman dari Perseroan memiliki payment history. Specific provisions may be made if the
rekam jejak pembayaran yang baik. Penyisihan khusus receivables are considered uncollectible based on the
mungkin dibuat jika piutang dianggap tidak tertagih menurut Company's assessment.
penilaian Perseroan.
Struktur Modal dan Kebijakan Manajemen atas Capital Structure and Management Policy on
Struktur Modal Serta Dasar Penentuan Kebijakan Capital Structure and Basis for Policy Determination
Kebijakan Manajemen atas Struktur Permodalan Management Policy on Capital Structure
Perseroan mengelola struktur modal yang dimiliki secara The Company manages its capital structure effectively
efektif dan optimal agar dapat memberikan nilai tambah and optimally in order to provide maximum added value
yang maksimal kepada pemegang saham dan pemangku to shareholders and other stakeholders, and to reduce the
kepentingan lainnya, serta untuk mengurangi biaya cost of capital. To maintain a healthy capital structure that
modal (cost of capital). Dalam upaya memelihara struktur supports long-term business sustainability, the Company may
permodalan agar tetap berada di tingkat yang sehat untuk adjust its dividend distribution policy, modify the return of
mendukung keberlanjutan usaha jangka panjang, maka capital to shareholders, or issue new shares to reduce loans.
Perseroan diperbolehkan untuk melakukan penyesuaian
kebijakan pembagian dividen, menyesuaikan imbalan hasil
modal kepada pemegang saham, atau menerbitkan saham
baru untuk mengurangi pinjaman.
Kebijakan permodalan Perseroan pada dasarnya The Company's capital policy always considers the
senantiasa mempertimbangkan efisiensi penggunaan efficiency of capital utilization based on operating cash
modal berdasarkan arus kas operasi dan belanja modal, flow and capital expenditure, as well as looking at future
serta mencermati kebutuhan modal di masa yang akan capital requirements. In maintaining adequate capital to
datang. Dalam menjaga kecukupan modal untuk menutup cover the inherent risks of business activities, the Company
risiko bawaan pada kegiatan usaha, Perseroan mengelola manages its capital structure in accordance with applicable
struktur modalnya sesuai dengan ketentuan yang berlaku. regulations. To ensure this, the Board of Directors regularly
Untuk memastikan hal itu, Direksi secara berkala meninjau reviews the quality of the Company's capital structure, both
kualitas struktur pemodalan Perseroan baik dalam hal biaya in terms of capital costs and capital-related risks. In line with
permodalan dan risiko yang berhubungan dengan modal. POJK 35/2018 regulations, the Company also adheres to
Sesuai dengan regulasi POJK 35/2018, Perseroan juga the maximum gearing ratio set for financing companies,
memperhatikan ketentuan maksimum gearing ratio yang which should not exceed 10 times the total capital. The
ditetapkan bagi perusahaan pembiayaan, yakni tidak lebih calculation of this ratio involves dividing the net value of
dari 10 kali dari total modal. Perhitungan rasio ini melibatkan loans (including bonds and MTNs) by total capital. The source
pembagian nilai bersih pinjaman (termasuk obligasi dan of capital is taken from the equity recorded in the statement
MTN) dengan total modal. Sumber modal diambil dari ekuitas of financial position.
yang tercatat dalam laporan posisi keuangan.
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Management Discussion & Analysis
Dengan mengelola struktur permodalan secara optimal, By optimally managing the capital structure, the Company
Perseroan memastikan nilai pemegang saham tetap terjaga ensures that shareholder value is maintained without
tanpa mengurangi kecukupan modal. compromising capital adequacy.
Struktur Permodalan Capital Structure
Struktur modal Perseroan terdiri dari 2 (dua) bagian utama, The Company's capital structure consists of 2 (two) main
yaitu modal sendiri (ekuitas) dan utang (liabilitas). Pada tabel components, namely equity and liabilities. The following
berikut terlihat komparasi komposisi permodalan untuk table presents a comparison of capital composition for the
periode yang berakhir 31 Desember 2024 dan 2023: periods ending December 31, 2024, and 2023:
(Dalam jutaan Rp) (in million Rp)
Uraian
2024 2023
Description
Pinjaman 22.736.202 17.171.913
Loans
Surat berharga yang diterbitkan 8.620.483 8.215.088
Securities issued
Jumlah Pinjaman 31.356.685 25.387.001
Total Debt
Ekuitas 12.175.713 11.291.056
Equity
Jumlah Modal 43.532.398 36.678.057
Total Capital
Gearing ratio 2,58 x 2,25 x
Gearing ratio
Nilai gearing ratio Perseroan pada pelaporan yang berakhir The Company's gearing ratio for the reporting period ended
pada tanggal 31 Desember 2024 dan 31 Desember 2023 December 31, 2024 and December 31, 2023 has met the
sudah memenuhi ketentuan permodalan bagi perusahaan capital requirements for financing companies as stipulated
pembiayaan sesuai dengan yang diatur dalam regulasi in the POJK 35/2018 regulation.
POJK 35/2018.
Dasar Penentuan Kebijakan Manajemen atas Basis for Determining Management Policy on
Struktur Permodalan Capital Structure
Penyusunan rencana permodalan Perseroan senantiasa The preparation of the Company's capital plan is always
diselaraskan dengan strategi bisnis tahunan dengan tujuan aligned with the annual business strategy to ensure the
untuk memastikan ketersediaan struktur modal yang availability of an adequate capital structure to support the
memadai guna menopang strategi bisnis. Dalam menentukan business strategy. In determining the composition of its
komposisi permodalannya, Perseroan senantiasa mengacu capital, the Company consistently refers to the provisions
pada ketentuan POJK 35/2018 terutama dalam menjaga of POJK 35/2018, particularly in maintaining the gearing
batas gearing ratio agar tetap terjaga dalam rentang yang ratio limit within the range allowed by FSA.
diperbolehkan OJK.
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Ikatan Material untuk Investasi Barang Modal Material Commitment on Capital Expenditure
Pada tahun buku 2024 Perseroan tidak memiliki ikatan In the financial year 2024, the Company did not have any
material untuk investasi barang modal. Dengan demikian, material commitment of capital expenditure. Thus, the
Perseroan tidak menyajikan informasi yang berkaitan dengan Company did not disclosed information relating to this
hal tersebut, di antaranya berupa: matter, including:
1. Nama dari pihak yang melakukan ikatan; 1. The name of the parties making commitment;
2. Tujuan dari perikatan; 2. The purpose of the commitment;
3. Sumber dana yang disiapkan untuk memenuhi perikatan 3. The source of funds prepared to fulfill the commitment;
tersebut;
4. Denominasi mata uang dalam ikatan tersebut; dan 4. The currency denomination of the commitment; and
5. Langkah-langkah yang direncanakan Perseroan untuk 5. The measures planned by the Company to hedge the
melindungi risiko dari posisi mata uang asing yang terkait. risk of related foreign currency positions.
Investasi Barang Modal pada Tahun Buku 2024 Investment in Capital Expenditure in 2024
Financial Year
Pada tahun 2024, Perseroan telah merealisasikan investasi In 2024, the Company has realized an investment in capital
barang modal sebesar Rp581.770. Investasi barang modal expenditure amounting to Rp581,770. This investment in
tersebut dilakukan untuk mendukung keberlangsungan was done to support operational sustainability and improve
operasional dan meningkatkan kualitas layanan Perseroan. the quality of the Company's services. The following is a
Berikut ini adalah daftar investasi barang modal yang telah list of investments in capital expenditure made by the
dilakukan Perseroan selama periode yang berakhir pada Company during the periods ending December 31, 2024,
31 Desember 2024 dan 31 Desember 2023: and December 31, 2023:
(Dalam jutaan Rp) (in million Rp)
Jenis Belanja Modal Tujuan
2024 2023
Type of Capital Expenditure Objective
Aset kepemilikan langsung
Direct ownership assets
Tanah Mendukung kegiatan operasional - -
Land perusahaan.
Supporting the Company's operational
Tanah-pembaharuan activities. - -
Land-renewal
Bangunan 6.228 4.635
Buildings
Prasarana bangunan 58.650 35.991
Building improvements
Kendaraan 1.167 2.012
Vehicles
Peralatan kantor 262.088 251.966
Office equipment
Perabot kantor 15.368 9.162
Furniture and fixtures
Total 343.501 303.766
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Management Discussion & Analysis
Informasi dan Fakta Material yang Terjadi Setelah Material Information and Facts Subsequent to
Tanggal Laporan Akuntan Reporting Date
Pada tanggal 20 Februari 2025, Akuntan Drs. M. Jusuf On February 20, 2025, Accountants Drs. M. Jusuf Wibisana,
Wibisana, M.Ec., CPA, dengan surat izin praktik akuntan M.Ec., CPA, with a public accountant practice license No.
publik No. AP.0222, menandatangani laporan keuangan AP.0222, signed the audited financial statements of the
audited Perseroan. Laporan ini mencakup periode yang Company. This report covers the period ending December
berakhir pada tanggal 31 Desember 2024 dan telah 31, 2024, and has been audited by the Public Accounting
diaudit oleh Kantor Akuntan Publik (KAP) Rintis, Jumadi, Firm (KAP) Rintis, Jumadi, Rianto & Partners (formerly KAP
Rianto & Rekan (dahulu KAP Tanudiredja, Wibisana, Tanudiredja, Wibisana, Rintis & Partners, a member firm of
Rintis & Rekan dan merupakan firma anggota jaringan the PricewaterhouseCoopers network). The report states
PricewaterhouseCoopers). Dalam laporan tersebut, that there is no material information or facts occurring
dijelaskan bahwa tidak ada informasi atau fakta material subsequent to the accountant’s report date.
yang terjadi setelah tanggal laporan akuntan.
Perbandingan antara Target dan Realisasi Tahun Comparison between Target and Realization in
2024, serta Proyeksi Kinerja Tahun 2025 2024, and Projected Performance in 2025
Perbandingan antara Target dan Realisasi Tahun Comparison between Target and Realization in
2024 2024
Pada tahun 2024, Perseroan berhasil menunjukkan performa In 2024, the Company demonstrated impressive financial
finansial yang mengesankan dan melampaui target tahunan performance and exceeded the annual target set at the
yang telah ditetapkan di awal tahun. Pencapaian tersebut beginning of the year. This achievement serves as a
menjadi pijakan bagi Perseroan untuk menyusun proyeksi foundation for the Company to develop more optimistic and
dan target-target kinerja yang lebih optimis dan realistis di realistic projections and performance targets for 2025. The
tahun 2025 mendatang. Uraian atas perbandingan target description of the comparison of the target and realization of
dan realisasi kinerja keuangan Perseroan atas periode the Company's financial performance for the period ending
yang berakhir pada tanggal 31 Desember 2024 adalah December 31, 2024, is as follows:
sebagai berikut:
(Dalam jutaan Rp) (in million Rp)
2024 2025
Parameter
Parameter Target Realisasi Pencapaian (%) Proyeksi
Target Realization Achievement (%) Projection
Posisi Keuangan
Financial Position
Total asset 45.146.628 45.681.211 101,18% 46.811.103
Total assets
Total ekuitas 12.150.235 12.175.713 100,20% 32.333.658
Total equity
Total liabilitas 32.996.393 33.505.498 101,54% 14.477.445
Total liabilities
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(Dalam jutaan Rp) (in million Rp)
2024 2025
Parameter
Parameter Target Realisasi Pencapaian (%) Proyeksi
Target Realization Achievement (%) Projection
Laba (Rugi)
Profit (Loss)
Penghasilan 13.148.929 12.153.904 92,43% 14.123.429
Income
Beban ( 7.495.465) (6.482.517) 86,49% 8.267.922
Expenses
Laba Sebelum pajak 5.653.464 5.671.387 100,32% 5.855.507
Profit Before Tax
Beban Pajak Penghasilan (1.249.059) (1.225.853) 98,14% 1.292.778
Income Tax Expense
Laba Bersih 4.404.405 4.415.534 100,25% 4.562.729
Net Profit
Arus Kas
Cash Flow
Arus kas dari aktivitas operasi (820.779) (2.166.579) 263,97% 2.588.096
Cash flow from operating activities
Arus kas dari aktivitas investasi (314.916) (485.684) 154,23% 368.406
Cash flow from investing activities
Arus kas dari aktivitas pendanaan 1.074.166 2.344.712 218,28% 1.989.447
Cash flow from financing activities
Penurunan bersih kas dan setara kas (61.529) (307.551) 499,85 % 230.243
Net decrease in cash and cash equivalents
Penyesuaian atas selisih kurs dalam kas (451) (708) 156,98% -
dan setara kas
Adjustment for exchange rate differences
in cash and cash equivalents
Kas awal tahun 612.439 612.439 100% 550.459
Cash at the beginning of the year
Kas akhir tahun 550.459 304.180 55,26% 780.702
Cash at the end of the year
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(Dalam jutaan Rp) (in million Rp)
2024 2025
Parameter
Parameter Target Realisasi Pencapaian (%) Proyeksi
Target Realization Achievement (%) Projection
Lain-Lain - -
Others
Biaya pelatihan SDM 10.865 26.429 243,25% 51.793
Human Capital Training Costs
Kebijakan Dividen Kebijakan dividen Perseroan senantiasa mengacu pada perundang-undangan yang
Dividend Policy berlaku. Inisiatif pembagian dividen dilakukan setiap tahun melalui RUPS Tahunan
dengan tetap memperhatikan kondisi keuangan Perseroan.
The Company's dividend policy always refers to the applicable laws and regulations.
Dividend distribution initiatives are carried out annually through the General Meeting of
Shareholders (GMS), considering the financial condition of the Company.
Berdasarkan uraian di atas terlihat bahwa sebagian besar Based on the description above, it is apparent that most
target keuangan dan bisnis yang dicanangkan di awal of the financial and business targets set at the beginning
tahun telah terealisasi dengan baik di akhir 2024. Adapun of the year have been successfully realized by the end of
beberapa parameter kinerja yang belum dapat tercapai 2024. For the performance parameters that did not reach
100% realisasinya di tahun ini akan dijadikan sebagai bahan 100% realization this year, they will be used as evaluation
evaluasi bagi segenap unit-unit yang terkait agar dapat segera material for all relevant units in order to immediately take
mengambil langkah-langkah perbaikan yang diperlukan the necessary corrective actions, ensuring the Company
sehingga Perseroan dapat merumuskan strategi bisnis yang can formulate the right business strategy for 2025. In
tepat untuk 2025 mendatang. Dalam menyusun proyeksi preparing future business projections, the Company always
bisnis ke depan, Perseroan senantiasa mempertimbangkan considers external factors that develop both in terms of the
faktor-faktor eksternal yang berkembang baik dari segi national economy and the performance of the multifinance
ekonomi nasional hingga performa industri multifinance industry, and analyzes the ability of internal resources to
serta menganalisa kemampuan sumber daya internal run a healthy and responsible financing business. Overall,
dalam menjalankan bisnis pembiayaan yang sehat dan the achievement of stable and sustainable performance in
bertanggung jawab. Secara keseluruhan pencapaian kinerja 2024 also serves as the foundation for the Company to set
yang stabil dan berkelanjutan di tahun 2024 juga menjadi a more optimistic target projection for 2025.
dasar pijakan bagi Perseroan dalam menyusun proyeksi
target yang lebih optimis di tahun 2025 mendatang.
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Kebijakan Dividen dan Pembagiannya Dividend Policy and Its Distribution
Kebijakan Dividen Dividend Policy
Dalam menetapkan pembagian dividen, Perseroan In determining the distribution of dividends, the Company
senantiasa mempertimbangkan beberapa faktor yang consistenly considers several key factors, including the
menjadi determinan utama dalam pengambilan keputusan, capital position, future capital requirements projections,
antara lain posisi permodalan, proyeksi kebutuhan modal di compliance with legal regulations, targeted financial ratios,
masa depan, kepatuhan terhadap peraturan hukum, target and future business plans and prospects. These factors
rasio keuangan yang harus dipenuhi, serta rencana dan along with relevant inputs from Management, are used as
prospek usaha di masa depan. Hal-hal tersebut berikut final considerations for the General Meeting of Shareholders
masukan dari Manajemen yang relevan digunakan sebagai (GMS) in making decisions regarding the distribution of
bahan pertimbangan akhir bagi Rapat Umum Pemegang dividends to shareholders. By carefully calculating and
Saham (RUPS) dalam mengambil keputusan terkait analyzing the Company's capital structure, the dividend
pembagian dividen kepada pemegang saham. Dengan policy set by the GMS ensures that there is no negative
melakukan perhitungan dan analisa secara cermat terhadap impact on the Company's financial performance and
struktur permodalan Perseroan, maka kebijakan dividen risk profile.
yang ditetapkan oleh RUPS dipastikan tidak membawa
dampak negatif bagi kinerja keuangan maupun profil
risiko Perseroan.
Kronologis Pembagian Dividen RUPS Chronology of GMS Dividend Distribution
Berdasarkan hasil keputusan Rapat Umum Pemegang Based on the resolution of the General Meeting of
Saham (RUPS) tertanggal 19 April 2024, para pemegang Shareholders (GMS) dated April 19, 2024, the shareholders
saham menyetujui pembagian dividen final sejumlah Rp2,79 approved the distribution of a final dividend of Rp2.79 trillion
triliun atau Rp9.955 (Rupiah penuh) per saham biasa dari or Rp9,955 (full Rupiah) per ordinary share from the net profit
laba bersih tahun 2023. Penjelasan lebih rinci terkait of 2023. A more detailed explanation of dividend payments
pembayaran dividen kepada pemegang saham selama 2 to shareholders for the last 2 (two) fiscal years is as follows:
(dua) tahun buku terakhir adalah sebagai berikut:
Uraian
2024 2023
Description
Dasar hukum Akta Pernyataan Keputusan Rapat Akta Pernyataan Keputusan Rapat
Legal basis tertanggal 2 Mei 2024 tertanggal 13 April 2023
Deed of Resolution of Meeting dated Deed of Resolution of Meeting dated
May 2, 2024 April 13, 2023
Tahun buku Laporan keuangan audit tahun 2024 Laporan keuangan audit tahun 2023
Fiscal year Audited financial report for the year 2024 Audited financial report for the year 2023
Total dividen yang dibagikan • Total dividen yang dibagikan: • Total dividen yang dibagikan:
Total dividends distributed • Dividen interim: Rp1,32 triliun • Dividen interim: Rp525,56 miliar
• Dividen final: Rp2,79 triliun • Dividen final : Rp2,65 triliun
• Total dividends distributed: • Total dividends distributed:
• Interim dividend: Rp1.32 trillion • Interim dividend: Rp525.56 million
• Final dividend: Rp2.79 trillion • Final dividend: Rp2.65 trillion
Jumlah dividen per saham Rp14.669 per saham Rp11.335 per saham
Dividend per share Rp14,669 per share Rp11,335 per share
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
Uraian
2024 2023
Description
Persentase dividen yang dibagikan 100% 100%
terhadap laba bersih
Percentage of dividends distributed to net
profit
Tanggal pengumuman distribusi dividen 22 Mei 2024 12 Mei 2023
tunai May 22, 2024 May 12, 2023
Announcement date of cash dividend
distribution
Tanggal pembayaran dividen tunai • Dividen interim: 24 Oktober 2023 • Dividen interim: 24 Oktober 2022
Cash dividend payment date • Dividen final: 22 Mei 2024 • Dividen final: 12 Mei 2023
• interim dividend: October 24, 2023 • Interim dividend: October 24, 2022
• Final dividend: May 22, 2024 • Final dividend: May 12, 2023
Prospek Usaha Business Outlook
Kebijakan pelonggaran suku bunga acuan The Fed AS The US Fed's benchmark interest rate easing policy, which
yang telah dilakukan secara bertahap sejak tahun 2024 has been carried out gradually since 2024, is expected
diyakini masih akan terus berlanjut hingga 2025 mendatang to continue until 2025 and is anticipated to bring positive
dan diperkirakan akan membawa sentimen positif bagi sentiment to the Indonesian economy in general. The decline
perputaran roda perekonomian Indonesia secara umum. in the US Fed rate, followed by the BI Rate adjustment, is
Penurunan suku bunga The Fed AS yang diikuti dengan believed to have an impact on the reduction of the cost of
penyesuaian BI Rate diyakini akan berdampak pada funds for financing companies, boosting profitability and
turunnya cost of fund perusahaan pembiayaan sehingga opening up space for financing companies, including the
diharapkan dapat mendorong profitabilitas dan lebih Company, to reduce lending rates to a more competitive
membuka ruang bagi perusahaan pembiayaan termasuk level in order to accelerate loan growth.
Perseroan untuk menurunkan suku bunga pinjaman ke
tingkat yang lebihi kompetetif agar dapat mengakselerasi
pertumbuhan pinjaman.
Dengan memanfaatkan momentum meredanya tekanan di By capitalizing on the momentum of easing pressures in
pasar keuangan global yang didukung oleh pelonggaran global financial markets, supported by monetary policy
kebijakan moneter di berbagai negara, perekonomian easing in various countries, the Indonesian economy in
Indonesia pada tahun 2025 mendatang diproyeksikan 2025 is projected to record solid growth above 5%, driven
akan mampu mencatatkan pertumbuhan yang solid di atas by domestic demand and strengthening structural reforms
5%, didorong oleh permintaan domestik dan penguatan aimed at increasing productivity and strengthening the
reformasi struktural untuk meningkatkan produktivitas structure of economic growth. Furthermore, the annual
dan memperkuat struktur pertumbuhan ekonomi. Selain inflation rate is targeted to remain under control within
itu laju inflasi tahunan juga ditargetkan tetap terkendali the range of 2.5% with a deviation of 1.0%. Regarding
dalam rentang 2,5% dengan deviasi 1,0%. Dalam hal investment activities, the Government ensures the continued
aktivitas investasi, Pemerintah memastikan keberlanjutan completion of National Strategic Projects (PSN), including
penyelesaian Proyek Strategis Nasional (PSN), termasuk the development of the Capital City of the Archipelago (IKN).
pembangunan Ibu Kota Nusantara (IKN).
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Dengan berbagai perkembangan tersebut, industri With these various developments, the multifinance industry
multifinance diproyeksikan memiliki ruang untuk terus is projected to continue growing until it approaches the
bertumbuh hingga mendekati batas atas kisaran target upper limit of the 10%-12% (yoy) target range set by FSA in
10%-12% (yoy) yang ditetapkan OJK pada 2025 mendatang. 2025. In welcoming various business opportunities going
Dalam menyambut berbagai peluang bisnis ke depan, forward, the Company continues to anticipate various
Perseroan tetap mengantisipasi berbagai potensi risiko potential business risks that are increasingly diverse, while
usaha yang semakin beragam seraya tetap mencermati closely monitoring the development of global geopolitical
perkembangan kondisi geopolitik global yang mungkin conditions that may disrupt the financing business, such as
dapat mengganggu bisnis pembiayaan, seperti kemungkinan the possibility of a continued trade war between the United
berlanjutnya perang dagang antara Amerika Serikat (AS) States (US) and China, escalating conflict tensions in the
dan Tiongkok, eskalasi ketegangan konflik di Timur Tengah Middle East, depreciation of the Rupiah currency, and the
yang masih diwarnai ketidakpastian, depresiasi mata uang potential implementation of a policy to increase the VAT
Rupiah, serta kemungkinan diberlakukannya kebijakan (Value Added Tax) rate to 12%. In facing various wide-open
kenaikan tarif PPN (Pajak Pertambahan Nilai) menjadi 12%. business opportunities and increasingly challenging market
Dalam menghadapi berbagai peluang bisnis yang terbuka conditions, the Company has set several priority agendas to
lebar dan kondisi pasar yang semakin menantang ke depan, accelerate the achievement of higher performance targets
Perseroan telah menetapkan sejumlah agenda prioritas in the coming year.
yang akomodatif agar dapat mengakselerasi pencapaian
target-target kinerja yang lebih tinggi di tahun mendatang.
Aspek Pemasaran Marketing Aspects
Strategi Pemasaran Marketing Strategy
Perseroan berusaha memperkuat positioning-nya di industri The Company strives to strengthen its positioning in the
multifinance nasional dengan menghadirkan beragam national multifinance industry by presenting a variety of
pembiayaan yang inovatif dengan tagline “Satu Solusi innovative financing with the tagline "One Financing Solution"
Pembiayaan” bagi masyrakat luas seraya terus menjaga for the wider community while continuing to maintain a
reputasi dan citra yang positif di mata para pemangku positive reputation and image in the eyes of stakeholders
kepentingan untuk meningkatkan kepercayaan pelanggan, to increase customer trust, strengthen loyalty, and support
memperkuat loyalitas, dan mendukung pertumbuhan long-term growth. To achieve this, the Company synergizes
jangka panjang. Untuk mewujudkan hal itu, Perseroan marketing strategies across all business segments by
menyinergikan strategi pemasaran pada seluruh segmen considering the characteristics of each business carried
bisnis dengan mempertimbangkan karakteristik dari masing- out and taking into account the external and internal
masing usaha yang dijalankan serta memperhatikan kondisi environmental conditions of the Company both in terms of
lingkungan eksternal maupun internal perusahaan baik the availability of resources and the Company's financial
dalam hal ketersediaan sumber daya dan kemampuan capabilities.
finansial Perseroan.
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
Pada tahun 2024, strategi pemasaran Perseroan masih In 2024, the Company's marketing remains focused on
dititikberatkan pada pembangunan brand awareness atas building brand awareness of the Company's products and/
produk dan/atau layanan Perseroan serta pemeliharaan or services as well as maintaining good relationships with
hubungan yang baik dengan setiap pelanggan dan each of the Company's customers and partners. This is
mitra Perseroan. Hal ini dilakukan melalui program- done through marketing programs to attract new customers
program pemasaran untuk menarik pelanggan baru dan and increase customer loyalty. The Company's marketing
meningkatkan loyalitas pelanggan. Strategi pemasaran strategy is also based on risk assessment, in which the
Perseroan juga dilakukan berdasarkan penilaian risiko di Company prioritizes market segments with lower risk levels.
mana Perseroan memprioritaskan segmen pasar dengan In addition, the Company tightened the acquisition process
tingkat risiko yang lebih rendah. Selain itu, Perseroan juga and conducted priority area mapping, dealer segmentation,
memperketat proses akuisisi, dan melakukan pemetaan area and market potential identification.
prioritas, segmentasi dealer, dan identifikasi potensi pasar.
Aktivitas Pemasaran Tahun 2024 Marketing Activities in 2024
Perseroan telah mengeksekusi sejumlah inisiatif atau The Company has executed a number of marketing initiatives
aktivitas pemasaran sebagai bentuk implementasi dari or activities as a form of implementation of the prioritized
strategi pemasaran yang menjadi prioritas di tahun 2024, marketing strategy in 2024, among others:
antara lain:
1. HUT FIFGROUP 1. HUT FIFGROUP
2. HUT Kota Daerah 2. HUT Kota Daerah
3. Grebek Pasar 3. Grebek Pasar
4. UFI Grebek Kota 4. UFI Grebek Kota
5. IMOS 5. IMOS
6. Bulan Inklusi Keuangan 6. Financial Inclusion Month
Pangsa Pasar Market Share
Penjelasan terkait pangsa pasar Perseroan telah dijelaskan The explanation of the Company's market share has been
secara terpisah pada sub-bab tinjauan industri pembiayaan, explained separately in the sub-chapter of the financing
di dalam Laporan Tahunan ini. industry review, in this Annual Report.
Program Kepemilikan Saham oleh Karyawan dan/ Employee and/or Management Share Ownership
atau Manajemen Program
Sampai dengan akhir Desember 2024, Perseroan belum As of December 2024, the Company has not held an
pernah menyelenggarakan program kepemilikan saham employee or management share ownership program
oleh karyawan atau manajemen (ESOP/MSOP). Dengan (ESOP/MSOP). Therefore, the Company does not present
demikian, Perseroan tidak menyajikan informasi yang information related to ESOP/MSOP, such as the number of
berhubungan dengan ESOP/MSOP, seperti jumlah saham shares allocated for ESOP/MSOP and its realization; ESOP/
yang dialokasikan untuk ESOP/MSOP dan realisasinya; MSOP implementation period; requirements of employees
jangka waktu pelaksanaan ESOP/MSOP; persyaratan and/or management entitled to participate in the ESOP/
karyawan dan/atau manajemen yang berhak untuk mengikuti MSOP program; and exercise price.
program ESOP/MSOP; dan harga exercise.
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Realisasi Penggunaan Dana Hasil Penawaran Umum
Pada tanggal 8 Juli 2024, Perseroan telah menyampaikan laporan realisasi penggunaan dana hasil penawaran umum
kepada OJK sebagai bentuk kepatuhan atas regulasi POJK No. 30/POJK.04/2015 (“POJK 30/2015”) tentang Laporan Realisasi
Penggunaan Dana Hasil Penawaran Umum. Berikut ini adalah laporan realisasi penggunaan dana hasil penawaran umum
sehubungan dengan penerbitan obligasi baru di tahun 2024:
Nilai Realisasi Hasil Penawaran Umum
Jenis Penawaran Realized Proceed of Public Offering
Umum Tanggal Efektif
Types of Public Effective Date Jumlah Hasil Biaya
Hasil Bersih
Offerings Penawaran Umum Penawaran Umum
Net Proceeds
Public Offering Proceeds Public Offering Fee
Obligasi Berkelanjuta n 2 April 2024 Rp2.000.000.000.000 Rp5.082.958.667 Rp1.994.917.041.333
VI Federal International April 2, 2024
Finance Dengan Tingkat
Bunga Tetap Tahap III
Tahun 2024
Federal International
Finance Shelf
Registration Bonds VI
with Fixed Interest Rate
Phase III Year 2024
Penawaran Umum 6 September 2024 Rp2.500.000.000.000 Rp6.065.688.666 Rp2.493.934.311.334
Obligasi Berkelanjutan September 6, 2024
VI Federal International
Finance Dengan Tingkat
Bunga Tetap Tahap IV
Tahun 2024
Public Offering of
International Finance
Shelf Registration Bonds
VI with Fixed Interest
Rate Phase IV Year 2024
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Management Discussion & Analysis
Realization of Use of Proceeds from Public Offering
On July 8, 2024, the Company has submitted a report on the realization of the use of proceeds from the public offering to
FSA, in compliance with POJK regulation No. 30/POJK.04/2015 (“POJK 30/2015”) concerning the Report on the Realization
of the Use of Funds from Public Offerings. The following is the report on the actual use of proceeds from the public offering
in connection with the issuance of new bonds in 2024:
Rencana Penggunaan Dana Realisasi Penggunaan Dana
Plan of Fund Use Realization of Fund Use Sisa Dana Hasil
Penawaran Umum
Pembiayaan Kredit Pembiayaan Kredit Remaining Public
Total Total Offering Funds
Credit Financing Credit Financing
Rp1.994.917.041.333 Rp1.994.917.041.333 Rp1.994.917.041.333 Rp1.994.917.041.333 Rp0
Rp2.493.934.311.334 Rp2.493.934.311.334 Rp2.493.934.311.334 Rp2.493.934.311.334 Rp0
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Informasi Transaksi Material yang Mengandung Information on Material Transactions Containing
Benturan Kepentingan dan/atau Transaksi dengan Conflict of Interest and/or Transactions with
Pihak Afiliasi/Pihak Berelasi Affiliated Parties/Related Parties
Transaksi Material yang Mengandung Benturan Material Transactions Containing Conflict of
Kepentingan Interest
Selama tahun 2024, Perseroan tidak mencatatkan adanya During 2024, the Company did not record any transactions
transaksi yang mengandung benturan kepentingan. containing conflicts of interest.
Kewajaran, Mekanisme Review, dan Pemenuhan Fairness, Review Mechanism, and Regulatory
Peraturan Transaksi dengan Pihak Afiliasi Compliance of Transactions with Affiliated Parties
Perseroan melakukan berbagai transaksi keuangan dengan The Company conducts various financial transactions with
pihak-pihak berelasi yang bukan merupakan transaksi related parties that are not conflict of interest transactions in
benturan kepentingan dalam menjalankan aktivitas carrying out its business activities. Transactions with related
bisnisnya. Transaksi dengan pihak berelasi terutama parties are mainly related to loans and lending of funds
berhubungan dengan kegiatan pinjam-meminjam dana in the normal course of business. These transactions are
dalam kegiatan usaha normal. Transaksi dengan pihak-pihak conducted on the same terms and conditions as transactions
berelasi dilakukan dengan syarat dan kondisi yang sama with third parties, unless otherwise stated in the financial
dengan transaksi-transaksi dengan pihak ketiga, kecuali statements. Moreover, the transaction is in accordance
dinyatakan lain di dalam laporan keuangan. Selain itu, with FSA Regulation No. IX. 42/POJK.04/2020 concerning
transaksi tersebut telah sesuai dengan Peraturan OJK No. "Affiliated Transactions and Conflicts of Interest in Certain
42/POJK.04/2020 tentang “Transaksi Afiliasi dan Benturan Transactions", at the time the transactions were carried
Kepentingan Transaksi Tertentu”, pada saat transaksi- out. They are also regulated in SFAS No. 7 concerning
transaksi tersebut dilaksanakan serta diatur dalam PSAK 7 "Disclosure of Related Parties."
tentang “Pengungkapan Pihak-pihak yang Berelasi.”
Secara rinci, informasi mengenai pihak-pihak berelasi In detail, information regarding related parties with the
dengan Perseroan beserta sifat dari transaksi yang dilakukan Company and the nature of transactions carried out by
oleh Perseroan sampai dengan periode yang berakhir pada the Company until the period ending December 31, 2024,
tanggal 31 Desember 2024, adalah sebagai berikut: is as follows:
Pihak Berelasi Sifat Relasi Jenis Transaksi
Related Party Nature of Relationship Type of Transaction
PT Astra International Tbk Induk Perusahaan Pembayaran insentif, perjanjian
Parent Company Kerjasama dalam bidang jasa tenaga
ahli.
Incentive payment, cooperation agreement
in expert services
PT Asuransi Astra Buana Pihak pengendali yang sama Perjanjian Kerja Sama
The same controlling shareholder Cooperation agreement
PT Astra Multi Finance Pihak pengendali yang sama Perjanjian Kerja Sama
The same controlling shareholder Cooperation agreement
PT Matra Graha Sarana Pihak pengendali yang sama Sewa Gedung Kantor Cabang
The same controlling shareholder Branch office building rent
PT Sharia Multifinance Astra Pihak pengendali yang sama Perjanjian Kerja Sama
The same controlling shareholder Cooperation agreement
PT Serasi Autoraya Pihak pengendali yang sama Sewa Mobil Operasional
The same controlling shareholder Operational vehicle rent
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Management Discussion & Analysis
Pihak Berelasi Sifat Relasi Jenis Transaksi
Related Party Nature of Relationship Type of Transaction
Dana Pensiun Astra Pihak pengendali yang sama Beban Usaha
The same controlling shareholder Operating expenses
PT Samadista Karya Pihak pengendali yang sama Sewa Gedung Kantor
The same controlling shareholder Office building rent
PT Sedaya Multi Investama Pihak pengendali yang sama Perjanjian Kerjasama dalam Bidang
The same controlling shareholder Jasa Tenaga Ahli
Cooperation agreement in expert services
PT Astra Welab Digital Arta Pihak pengendali yang sama Perjanjian Kerja Sama dalam bidang
The same controlling shareholder Pembiayaan Bersama Roda Dua
Cooperation agreement in two-wheeled
financing
PT Astra Digital Arta Pihak pengendali yang sama Entitas Asosiasi Perseroan
The same controlling shareholder The Company’s Associate Entity
PT Arya Kharisma Pemegang Saham Perseroan Pemegang Saham Perseroan
The Company’s shareholder The Company’s shareholder
PT Bank Jasa Jakarta (BJJ) Pihak pengendali yang sama Rekening dan Perjanjian
The same controlling shareholder Pembiayaan Bersama Roda Dua
Account and cooperation agreement in
two-wheeled financing
Personel Manajemen Kunci Personel Manajemen Kunci Gaji dan tunjangan
Key Management Personnel Perseroan Salary and allowance
Key Management Personnel of the
Company
Alasan Dilakukan Transaksi Pihak Berelasi Reasons for Related Party Transactions
Transaksi dengan pihak-pihak berelasi dilakukan terutama Transactions with related parties are done mainly for the
untuk kepentingan dan keberlanjutan bisnis Perseroan benefit and sustainability of the Company's business related
yang berhubungan dengan pinjam-meminjam dana dalam to loans and lending funds in the normal course of business.
kegiatan normal usaha, menghasilkan pendapatan usaha These transactions generate business income and are
dan dijalankan secara rutin, berulang, dan/atau berkelanjutan. conducted regularly, repeatedly, and/or continuously.
Peran Direksi, Dewan Komisaris, dan Komite Audit Role of the Board of Directors, Board of
Commissioners, and Audit Committee
Perseroan memastikan seluruh tahapan atau prosedur The Company ensures that all stages or procedures
transaksi afiliasi yang dijalankan telah memenuhi prinsip of affiliated transactions comply with the arm's length
transaksi yang wajar (arm’s length principle) serta telah principle and have obtained approval from the Board of
mendapatkan persetujuan Dewan Komisaris dan/atau Commissioners and/or the Board of Directors. During
Direksi. Selama proses tersebut berlangsung, Komite Audit this process, the Audit Committee proactively performs
secara proaktif melaksanakan peran pengawasan dan its supervisory role and provides advice to the Board of
memberikan saran kepada Dewan Komisaris terkait potensi Commissioners regarding potential conflicts of interest that
benturan kepentingan yang mungkin timbul dalam rencana may arise in the Company's planned affiliated transactions
transaksi afiliasi Perseroan yang bernilai material. Selain itu, with material value. In addition, the Company always
Perseroan juga senantiasa patuh terhadap peraturan yang complies with applicable regulations related to material
berlaku terkait dengan transaksi material yang mengandung transactions containing conflicts of interest, which such
benturan kepentingan, dimana transaksi tersebut harus transactions must receive independent shareholder approval
mendapatkan persetujuan pemegang saham independen through the GMS.
melalui RUPS .
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Nilai Transaksi Pihak-Pihak Berelasi Related Party Transaction Value
Informasi mengenai pengungkapan transaksi tersebut Information regarding the disclosure of these transactions is
tertuang dalam Laporan Keuangan Catatan atas Laporan contained in the Financial Statements Notes to the Financial
Keuangan (CALK) No. 26 di dalam Laporan Keuangan Statements (CALK) No. 26 in the Annual Financial Report
Tahunan PT Federal International Finance untuk tahun yang of PT Federal International Finance for the year ending
berakhir pada 31 Desember 2024. Secara rinci, saldo dengan December 31, 2024. In detail, balances with related parties,
pihak-pihak yang berelasi yang merupakan perusahaan which are associated companies with the Company, are
asosiasi dengan Perseroan adalah sebagai berikut: as follows:
(Dalam jutaan Rp) (In million Rp)
31 Desember 2024 31 Desember 2023
Uraian December 31, 2024 December 31, 2023
Description
Total Total
Aset
Assets
Kas dan setara kas 212 10.087
Cash and cash equivalents
Piutang lain-lain 167.719 89.510
Other receivables
Beban dibayar dimuka 666 1.578
Prepayments
Investasi pada entitas asosiasi 37.257 57.559
Investment in associate entity
Aset hak-guna – net 37.540 26.592
Right-of-use assets – net
Liabilitas
Liabilities
Utang penyalur kendaraan 5.952 486
Dealer payables
Utang lain-lain 95.266 54.889
Other payables
Utang premi asuransi 505.821 533.460
Insurance premium payables
Penghasilan bunga dan denda 187 301
Interest and penalty income
Beban usaha 230.921 229.458
Operating expenses
Beban bunga dan keuangan 3.710 2.927
Interest and financial expenses
Rugi entitas asosiasi 20.282 20.605
Associate entity loss
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
Informasi Transaksi Terkait Investasi, Ekspansi, Transaction Information Related to Investment,
Divestasi, Penggabungan Usaha, Akuisisi, dan Expansion, Divestment, Business Merger,
Restrukturisasi Acquisition, and Restructuring
Sepanjang tahun 2024, Perseroan tidak melakukan aktivitas Throughout 2024, the Company did not conduct any
investasi, ekspansi, divestasi, penggabungan usaha, akuisisi, investment, expansion, divestment, merger, acquisition,
dan/atau restrukturisasi utang. and/or debt restructuring activities.
Perubahan Peraturan Perundang-Undangan yang Changes in Laws and Regulations that
Berpengaruh Signifikan Terhadap Perusahaan Significantly Affect the Company
Pada tahun 2024, tidak terdapat regulasi maupun peraturan In 2024, there were no new regulations or laws that
dan perundang-undangan baru yang berpengaruh signifikan significantly affected the Company's business activities.
terhadap kegiatan usaha Perseroan.
Perubahan Kebijakan Akuntansi dan Dampaknya Changes in Accounting Policy and Their Impacts
yang Diterapkan Di Tahun 2024 Implemented in 2024
Dewan Standar Akuntansi Keuangan (DSAK) menerbitkan The Financial Accounting Standards Board (DSAK)
sejumlah standar akuntansi keuangan baru dan interpretasi issued several new financial accounting standards and
yang mulai berlaku efektif sejak 1 Januari 2024, yaitu interpretations that became effective on January 1, 2024,
sebagai berikut: as follows:
Dampak Kuantitatif Terhadap Paparan Konsekuensi dan
Perubahan Standar Akuntansi Laporan Keuangan Perubahan yang Terjadi
Changes in Accounting Standards Quantitative Impact on the Exposure of the Consequences
Financial Statement and Adjustments Made
Kerangka Standar Pelaporan Keuangan Indonesia ("KSPKI") Perubahan tersebut tidak Implementasi dari standar-
dan perubahan nomor PSAK dan ISAK dalam Standar berdampak material terhadap standar tersebut tidak
Akuntansi Keuangan Indonesia (sebelumnya Standar Akuntansi laporan keuangan Perseroan menghasilkan perubahan
Keuangan), berlaku efektif tanggal 1 Januari 2024. KSPKI dan telah dibebankan substansial terhadap terhadap
mengatur pilar SAK yang berlaku di Indonesia, kriteria, dan pada laporan laba rugi dan kebijakan akuntansi Perseroan
perpindahan antar pilar SAK, sedangkan perubahan nomor penghasilan komprehensif lain dan tidak memiliki dampak
mengatur ketentuan penomoran PSAK dan ISAK yang mengacu tahun berjalan. yang material terhadap laporan
pada IFRS Accounting Standards, standar akuntansi lokal, dan These changes did not have keuangan konsolidasian di
standar akuntasi syariah. a material impact on the tahun berjalan atau tahun
Indonesia Financial Reporting Standard Framework ("KSPKI") Company’s f inancial statements sebelumnya.
and amendments to SFAS and IFAS number, are effective and have been charged to Implementation of the
on January 1, 2024. KSPKI regulate the SFAS pillars, criteria the current year’s statements aforementioned standards
and shifting between pillars that apply in Indonesia, while of profit or loss and other did not result in substantial
amendments to SFAS and IFAS number determine the number comprehensive income changes to the Company
for SFAS and IFAS which refering to IFRS Accounting Standards, accounting policies and had no
local accounting standards, and sharia accounting standards. material impact to the financial
statements for current year or
Amendemen PSAK 201: “Penyajian Laporan Keuangan” terkait prior financial years
klasifikasi liabilitas sebagai jangka pendek atau jangka panjang
Amendment to SFAS 201: "Presentation of Financial
Statements" related to the classification of liabilities as current
or non-current.
Amendemen PSAK 116: “Sewa” terkait liabilitas sewa pada
transaksi jual dan sewa-balik
Amendment to SFAS 116: "Leases" related to lease liabilities in
sale and leaseback transactions.
Amendemen PSAK 207 dan PSAK 107 terkait “Pengaturan
Pembiayaan Pemasok"
Amendment to SFAS 207 and SFAS 107 related to "Supplier
Financing Arrangements."
Amendemen PSAK 409: “Akuntansi Zakat, Infak, dan Sedekah”
dan PSAK 401: “Penyajian Laporan Keuangan Syariah”
Amendment to SFAS 409: "Accounting for Zakat, Infaq, and
Sadaqah" and SFAS 401: "Presentation of Sharia Financial
Statements."
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Informasi Kelangsungan Usaha Information on Business Continuity
Hal-hal yang Berpotensi Berpengaruh Signifikan Matters with Potentially Significant Effect on
terhadap Kelangsungan Usaha Business Continuity
Hasil pencapaian kinerja Perseroan yang sebagian besar The Company's performance results, which mostly showed
menunjukkan pertumbuhan positif dibandingkan tahun positive growth compared to the previous year, reflect that
sebelumnya mencerminkan bahwa bisnis Perseroan the Company's business has good resilience in facing both
memiliki resiliensi yang baik dalam menghadapi dinamika external and domestic challenges. In running the financing
tantangan eksternal dan domestik. Dalam menjalankan business throughout 2024, the Company recognizes several
bisnis pembiayaan sepanjang 2024, Perseroan menyadari challenges or obstacles that have significantly impacted its
adanya sejumlah tantangan ataupun kendala yang secara operational and financial performance. These include the
signifikan mempengaruhi kinerja operasional dan finansial BI's benchmark interest rate policy, which has remained
Perseroan, antara lain terkait kebijakan suku bunga acuan persistently high over the past year, has caused banks' cost
BI yang persisten tinggi selama setahun terakhir sehingga of funds to rise, making motor vehicle loans more expensive.
mengakibatkan cost of fund perbankan kian menanjak This condition has been further exacerbated by the decline
sehingga membuat biaya kredit kendaraan bermotor menjadi in people's purchasing power, particularly in the middle-class
lebih mahal. Kondisi tersebut kian diperparah dengan group. As a result, many individuals and businesses have
semakin tergerusnya penurunan daya beli masyarakat chosen to delay or hold off on purchasing durable goods,
khususnya pada kelompok kelas menengah sehingga including vehicles, leading to a decrease in market demand
pada gilirannya mendorong sebagian besar masyarakat for the automotive sector in 2024, with the exception of the
dan pelaku bisnis untuk menahan atau menunda konsumsi two-wheeled vehicle segment.
pembelian barang tahan lama termasuk kendaraan sehingga
berimbas pada rendahnya permintaan pasar terhadap sektor
otomotif di tahun 2024, kecuali pada segmen kendaraan
roda dua.
Penilaian (Assessment) Manajemen dalam Assessment of Management in Managing
Pengelolaan Potensi yang Berpengaruh Signifikan Potentials that Significantly Affect Business
terhadap Kelangsungan Usaha Continuity
Manajemen melakukan evaluasi berkala terhadap Management conducted periodic evaluations of the
pelaksanaan strategi bisnis Perseroan dan menilai implementation of the Company's business strategy and
kemampuan Perseroan dalam mencapai target operasional assesses the Company's ability to achieve operational
maupun bisnis. Langkah ini menjadi penting untuk and business targets. This step is essential to ensure that
memastikan bahwa upaya perbaikan berkelanjutan sudah continuous improvement efforts have been made by all
dilakukan oleh segenap pihak guna meningkatkan daya parties to enhance competitiveness and maintain long term
saing dan mempertahankan keberlangsungan bisnis pada business sustainability. All elements of the organization
jangka panjang. Seluruh elemen organisasi termasuk jajaran including the Board of Commissioners and Board of Directors
Dewan Komisaris dan Direksi Perseroan bekerja sama of the Company, work together in managing internal aspects
dalam mengelola aspek internal yang dinilai memengaruhi that could affect the sustainability of FIFGROUP's business,
keberlanjutan bisnis FIFGROUP, termasuk mengevaluasi including periodically evaluating the Company's financial
laporan keuangan Perseroan secara berkala untuk mengukur statements to assess the strategy's response to changes in
respons strategi terhadap perubahan makroekonomi dan the macroeconomy and the financing industry in Indonesia.
industri pembiayaan di Indonesia.
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Analisis & Pembahasan Manajemen
Management Discussion & Analysis
Sepanjang tahun 2024, Perseroan telah menunjukkan Throughout the year, the Company has demonstrated
konsistensi dalam merangkul pertumbuhan bisnis yang consistency in embracing positive business growth and
positif dan kembali berhasil menciptakan reputasi yang has managed to build a strong reputation through its
positif melalui keberhasilannya dalam meraih corporate success in achieving positive corporate ratings from rating
rating positif dari lembaga pemeringkat Pefindo dan Fitch agencies such as Pefindo and Fitch Ratings Indonesia.
Ratings Indonesia. Pencapaian ini tentunya dapat diraih This achievement has been made possible through the
berkat dukungan penuh dari Astra International beserta full support of Astra International and the synergy within
sinergi yang terjalin di lingkungan Astra Group. the Astra Group.
Asumsi yang Digunakan Manajemen dalam Assumptions Used by Management in
penilaian (Assessment) Assessment
Pada tahun 2024, Manajemen telah melakukan penilaian In 2024, the Management conducted a thorough assessment
secara menyeluruh terhadap kemampuan Perseroan of the Company's ability to maintain its business continuity
dalam menjaga keberlangsungan usahanya serta telah and implemented various efforts to ensure stable and high-
melakukan berbagai upaya agar Perseroan dapat merangkul quality growth. The aspect of sustainable finance was also
pertumbuhan yang stabil dan berkualitas. Aspek keuangan prioritized to harmonize the economy with environmental
berkelanjutan juga menjadi perhatian Perseroan untuk sustainability, social aspects, and good corporate
menyelaraskan ekonomi, dengan aspek keberlanjutan governance. With a solid internal foundation, from the
lingkungan, aspek sosial, dan tata kelola perusahaan yang availability of adequate resources to the implementation
baik. Dengan memiliki fondasi internal yang baik dari segi of the right business strategy, Management is confident
ketersediaan sumber daya yang memadai hingga penerapan that the Company will achieve better performance results
strategi bisnis yang tepat, Manajemen memiliki keyakinan and continue its business in the future. The Company's
bahwa Perseroan dapat memberikan hasil kinerja yang commitment to operating a sustainable and responsible
lebih baik dan melanjutkan usahanya di masa mendatang. financing business for debtors, employees, shareholders,
Komitmen Perseroan dalam menjalankan bisnis pembiayaan the environment, and community is also detailed in the
yang berkelanjutan dan bertanggung jawab kepada Sustainable Financial Action Plan (RAKB), which is prepared
debitur, karyawan, pemegang saham, lingkungan, dan annually in accordance with FSA's guidelines, and is further
masyarakat juga telah terangkum secara rinci di dalam described in the Sustainability Report.
RAKB yang disusun setiap tahun sesuai dengan arahan
yang ditetapkan oleh OJK dan pelaporannya juga diuraikan
dalam Laporan Keberlanjutan.
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Tata Kelola Perusahaan
Corporate Governance
Tata Kelola
Perusahaan
Corporate
Governance
05
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Komitmen Manajemen terhadap Penerapan GCG
Management Commitment to GCG Implementation
Penerapan GCG yang baik juga menjadi salah satu faktor yang dapat mendukung kinerja
keuangan dan aktivitas penyaluran pembiayaan yang dilakukan Perseroan selama 2024.
Good GCG implementation is also one of the factors that can support the financial performance and
financing distribution activities done by the Company during 2024.
Perseroan berkomitmen untuk menyelenggarakan kegiatan The Company is committed to conducting responsible
usaha pembiayaan yang bertanggung jawab yang salah financing business activities, one of which is realized by
satunya diwujudkan dengan menerapkan prinsip-prinsip applying the principles of Good Corporate Governance
Tata Kelola Perusahaan yang Baik (Good Corporate ("GCG") at all levels of the organization. The consistent
Governance/”GCG”) di semua tingkatan organisasi. implementation of GCG is a key enabler in running a healthy
Penerapan GCG yang konsisten menjadi key enabler dalam business so that the Company is able to maintain good
menjalankan roda bisnis yang sehat sehingga Perseroan business growth amidst various economic challenges.
mampu menjaga pertumbuhan bisnis dengan baik di tengah
berbagai tantangan ekonomi.
Dengan meletakkan GCG sebagai salah satu fondasi By putting GCG as one of the business foundations, the
bisnis, Perseroan melakukan evaluasi secara berkala Company conducts regular evaluations and continues to
dan terus melakukan perbaikan melalui berbagai inisiatif make improvements through various quality improvement
peningkatan kualitas guna memastikan kecukupan initiatives to ensure the adequacy of the governance structure
governance structure yang memadai dan mendukung and support the effectiveness of the governance process
efektivitas governance process sehingga Perseroan so that the Company can achieve governance outcomes
dapat mencapai governance outcome yang sesuai dengan in accordance with the expectations of stakeholders. Good
harapan para pemangku kepentingan. Penerapan GCG yang GCG implementation is also one of the factors that can
baik juga menjadi salah satu faktor yang dapat mendukung support the financial performance and financing distribution
kinerja keuangan dan aktivitas penyaluran pembiayaan yang activities done by the Company during 2024.
dilakukan Perseroan selama 2024.
Dengan terus memperkuat implementasi GCG dan By continuously strengthening the implementation of
menunjukkan komitmen kepatuhan yang tinggi terhadap GCG and proactively demonstrating a high commitment
regulasi yang berlaku secara proaktif, Perseroan mempunyai to compliance with applicable regulations, the Company
dasar yang kokoh untuk memberikan layanan yang terbaik has a solid foundation to provide the best and professional
dan profesional kepada seluruh debitur maupun mitra services to all debtors and business partners. The perfection
bisnis. Kesempurnaan implementasi GCG juga memberikan of GCG implementation also gives the Company confidence
kepercayaan diri kepada Perseroan dalam menghadapi in overcoming various challenges that may arise in the future,
berbagai tantangan yang mungkin muncul di masa depan, and allows the sustainability of the business by the Company
serta memungkinkan keberlanjutan pada bisnis yang to remain strong and highly competitive in the long term.
dijalankan Perseroan agar tetap berdiri kokoh dan berdaya
saing tinggi dalam jangka panjang.
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Tata Kelola Perusahaan
Corporate Governance
Dasar Hukum atau Landasan Penerapan GCG
Legal Basis or Foundation for the Implementation of GCG
Pelaksanaan GCG pada lingkup Perseroan mengacu The implementation of GCG in the scope of the Company
pada sejumlah peraturan perundang-undangan termasuk refers to a number of laws and regulations including
peraturan otoritas pasar modal dan best practice yang regulations of the capital market authority and best practices
berlaku di industri multifinance, antara lain: that apply in the multifinance industry, such as:
Dasar Hukum
Jenis Regulasi Type of Regulation
Legal Basis
Undang-Undang (UU) UU No. 40 Tahun 2007 tentang Perseroan Terbatas Law No. 40 of 2007 on Limited Liability Companies
Republik Indonesia
Law of the Republic of
Indonesia
Peraturan Otoritas Jasa Antara lain: Including:
Keuangan (POJK) 1. POJK No. 33/POJK.04/2014 tentang Direksi 1. POJK No. 33/POJK.04/2014 concerning Directors
Financial Services dan Dewan Komisaris Emiten atau Perusahaan and Board of Commissioners of Issuers or Public
Authority Regulation Publik; Companies;
(POJK) 2. POJK No. 34/POJK.04/2014 tentang Komite 2. POJK No. 34/POJK.04/2014 concerning the
Nominasi dan Remunerasi Emiten atau Perusa- Nomination and Remuneration Committee of
haan Publik; Issuers or Public Companies;
3. POJK No. 35/POJK.04/2014 tentang Sekretaris 3. POJK No. 35/POJK.04/2014 concerning Corporate
Perusahaan Emiten atau Perusahaan Publik; Secretary of Issuers or Public Companies;
4. POJK No. 55/POJK.04/2015 concerning the
4. POJK No. 55/POJK.04/2015 tentang Pembentu- Establishment and Work Guidelines of the Audit
kan dan Pedoman Kerja Komite Audit; Committee;
5. POJK No. 56/POJK.04/2015 concerning the
5. POJK No. 56/POJK.04/2015 tentang Pembentu- Establishment and Guidelines for the Preparation
kan dan Pedoman Penyusunan Piagam Unit Au- of an Internal Audit Unit Charter;
dit Internal; 6. POJK No. 29/POJK.04/2016 concerning Annual
6. POJK No. 29/POJK.04/2016 tentang Laporan Report of Issuers or Public Companies;
Tahunan Emiten atau Perusahaan Publik; 7. POJK No. 51/POJK.03/2017 concerning the
7. POJK No. 51/POJK.03/2017 tentang Penerapan Implementation of Sustainable Finance for
Keuangan Berkelanjutan Bagi Lembaga Jasa Financial Services Institutions, Issuers and Public
Keuangan, Emiten, dan Perusahaan Publik; Companies;
8. POJK No. 35/POJK.05/2018 concerning the
8. POJK No. 35/POJK.05/2018 tentang Penyeleng- Business Implementation of Financing Companies;
garaan Usaha Perusahaan Pembiayaan; POJK POJK No. 10/POJK.05/2019 concerning the
No. 10/POJK.05/2019 tentang Penyelenggaraan Business Implementation of Sharia Financing
Usaha Perusahaan Pembiayaan Syariah dan Unit Companies and Sharia Business Units of Financing
Usaha Syariah Perusahaan Pembiayaan; Companies;
9. POJK No. 24/POJK.05/2019 tentang Rencana 9. POJK No. 24/POJK.05/2019 concerning the
Bisnis Lembaga Jasa Keuangan Non-Bank; Business Plan of Non-Bank Financial Services
Institutions;
10. POJK No. 30/POJK.05/2014 jo. POJK No. 29/ 10. POJK No. 30/POJK.05/2014 in conjunction with
POJK.05/2020 tentang Tata Kelola Perusahaan POJK No. 29/POJK.05/2020 regarding Good
yang Baik Bagi Perusahaan Pembiayaan; Corporate Governance for Financing Companies;
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Dasar Hukum
Jenis Regulasi Type of Regulation
Legal Basis
11. POJK No. 44/POJK.05/2020 tentang Penerapan 11. POJK No. 44/POJK.05/2020 concerning the
Manajemen Risiko bagi Lembaga Jasa Keuangan Implementation of Risk Management for Non-
Non-Bank; Bank Financial Services Institutions;
12. POJK No. 47/POJK.05/2020 tentang Perizinan 12. POJK No. 47/POJK.05/2020 concerning
Usaha dan Kelembagaan Perusahaan Business Licensing and Institutionalization of
Pembiayaan dan Perusahaan Pembiayaan Financing Companies and Sharia Financing
Syariah; Companies;
13. POJK No. 28/POJK.05/2020 tentang Penilaian 13. POJK No. 28/POJK.05/2020 concerning Health
Tingkat Kesehatan Lembaga Jasa Keuangan Level Assessment of Non-Bank Financial
Non-Bank; Services Institutions;
14. POJK No. 64/POJK.03/2020 tentang Perubahan 14. POJK No. 64/POJK.03/2020 concerning
Atas Peraturan Otoritas Jasa Keuangan No. Amendments to Financial Services Authority
18/POJK.03/2017 tentang Pelaporan dan Regulation No. 18/POJK.03/2017 concerning
Permintaan Informasi Debitur Melalui Sistem Debtor Information Reporting and Requests
Layanan Informasi Keuangan; through the Financial Information Service
System;
15. POJK No. 8 Tahun 2023 tentang Penerapan 15. POJK No. 8 of 2023 concerning the
Program Anti Pencucian Uang, Pencegahan Implementation of Anti-Money Laundering
Pendanaan Terorisme, dan Pencegahan Programs, Counter Financing of Terrorism, and
Pendanaan Proliferasi Senjata Pemusnah Massal Counter Financing the Proliferation of Weapons
di Sektor Jasa Keuangan; of Mass Destruction in the Financial Services
Sector;
16. POJK No. 9 Tahun 2023 tentang Penggunaan 16. POJK No. 9 of 2023 concerning the Use of Public
Jasa Akuntan Publik dan Kantor Akuntan Publik Accountant Services and Public Accounting
Dalam Kegiatan Jasa Keuangan; Firms in Financial Services Activities;
17. POJK No. 22 Tahun 2023 tentang Pelindungan 17. POJK No. 22 of 2023 concerning Consumer and
Konsumen dan Masyarakat di Sektor Jasa Community Protection in the Financial Services
Keuangan; Sector;
18. POJK No. 3 Tahun 2023 tentang Peningkatan 18. POJK No. 3 of 2023 concerning Improving
Literasi dan Inklusi Keuangan di Sektor Jasa Financial Literacy and Inclusion in the Financial
Keuangan Bagi Konsumen dan Masyarakat. Services Sector for Consumers and the
Community.
Surat Edaran Otoritas Antara lain: Including:
Jasa Keuangan (SEOJK) 1. SEOJK No. 55/POJK.04/2015 tanggal 29 1. SEOJK No. 55/POJK.04/2015 dated December
Financial Services Desember 2015 tentang Pembentukan dan 29, 2015 concerning the Establishment and
Authority Circular Letter Pedoman Pelaksanaan Kerja Komite Audit; Implementation Guidelines for the Audit
(SEOJK) Committee;
2. SEOJK No. 16/SEOJK.04/2021 tanggal 29 Juni 2. SEOJK No. 16/SEOJK.04/2021 dated June 29,
2021 tentang Bentuk dan Isi Laporan Tahunan 2021 concerning the Form and Content of
Emiten atau Perusahaan Publik; Annual Reports of Issuers or Public Companies;
3. SEOJK No. 11/SEOJK.05/2020 tanggal 1 Juli 3. SEOJK No. 11/SEOJK.05/2020 dated July 1,
2020 tentang Penilaian Tingkat Kesehatan 2020 concerning Soundness Level Assessment
Perusahaan Pembiayaan dan Perusahaan of Financing Companies and Sharia Financing
Pembiayaan Syariah; Companies;
4. SEOJK No. 23/SEOJK.05/2019 tentang Rencana 4. SEOJK No. 23/SEOJK.05/2019 concerning
Bisnis Perusahaan Pembiayaan dan Perusahaan Business Plans of Financing Companies and
Pembiayaan Syariah; Sharia Financing Companies;
5. SEOJK No. 18/SEOJK.03/2023 tentang Tata 5. SEOJK No. 18/SEOJK.03/2023 concerning
Cara Penggunaan Kantor Akuntan Publik dalam Procedures for the Use of Public Accounting
Kegiatan Jasa Keuangan. Firms in Financial Services Activities.
Lain-lain Roadmap Tata Kelola Perusahaan Indonesia Menuju Indonesian Corporate Governance Roadmap
Miscellaneous Tata Kelola Emiten dan Perusahaan Publik yang Towards Better Governance of Issuers and Public
Lebih Baik yang diterbitkan oleh OJK tanggal 4 Companies issued by FSA on February 4, 2014.
Februari 2014.
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Tata Kelola Perusahaan
Corporate Governance
Prinsip-Prinsip Dasar GCG
Basic Principles of GCG
Dalam menjalankan praktik governansi yang baik pada In performing good governance practices in all aspects of
semua aspek bisnis maupun operasional, Perseroan business and operations, the Company bases its business
melandaskan pengelolaan bisnisnya pada 5 (lima) prinsip management on 5 (five) basic GCG principles as regulated
dasar GCG sesuai dengan yang diatur dalam POJK No. 30/ in POJK No. 30/POJK.05/2014 in conjunction with POJK No.
POJK.05/2014 jo. POJK No. 29/POJK.05/2020 tentang Tata 29/POJK.05/2020 concerning Good Corporate Governance
Kelola Perusahaan yang Baik bagi Perusahaan Pembiayaan. for Finance Companies. A more detailed explanation of the
Penjelasan lebih rinci tentang prinsip-prinsip GCG disajikan GCG principles is presented in the following table:
pada tabel berikut ini:
Prinsip-Prinsip Penjelasan Implementasi di Perseroan
No.
Principles Explanation Implementation in the Company
1. Transparansi Untuk menjaga objektivitas dalam 1. Publikasi dan transparansi informasi terkait
Transparency menjalankan bisnis, Perseroan berkomitmen Perseroan dapat diakses melalui situs web:
untuk memastikan keterbukaan proses https://fifgroup.co.id/;
pengambilan keputusan serta menyediakan 2. Penyampaian laporan berkala maupun
informasi yang material dan relevan baik insidental secara tepat waktu kepada regulator
terkait kondisi keuangan ataupun non- dapat diakses melalui situs web Bursa Efek
keuangan secara transparan, tepat waktu, Indonesia (BEI): www.idx.co.id dengan kode
jelas, dan akurat melalui kanal komunikasi emiten: “FIFA”;
yang mudah diakses dan dipahami oleh 3. Uraian hak dan kewajiban debitur serta
para pemangku kepentingan. Penegakan informasi penting lain secara jelas telah
prinsip transparansi bertujuan untuk dituangkan dalam perjanjian pembiayaan yang
membantu pemegang saham dan pemangku disepakati bersama;
kepentingan dalam memberikan penilaian 4. Proses pengambilan keputusan strategis terkait
kinerja dan risiko yang dihadapi oleh arah pengembangan bisnis Perseroan dilakukan
Perseroan. Implementasi prinsip ini tetap secara transparan melalui rapat internal ataupun
memperhatikan kebijakan keterbukaan melalui Rapat Umum Pemegang Saham (RUPS)
informasi perusahaan dan mematuhi untuk mengambil keputusan yang sifatnya harus
peraturan perundang-undangan yang dilakukan oleh pemegang saham.
berlaku.
1. Publications and transparency of information
To maintain objectivity in conducting related to the Company is accessible via the
business, the Company is committed to website: https://fifgroup.co.id/;
ensuring the transparency of the decision- 2. Timely submission of periodic and incidental
making process and providing material reports to the regulator can be accessed
and relevant information related to both through the Indonesia Stock Exchange (IDX)
financial and non-financial conditions in website: www.idx.co.id with the issuer code:
a transparent, timely, clear and accurate "FIFA";
manner through communication channels 3. The description of the debtor's rights and
that are easily accessible and understood obligations and other important information is
by stakeholders. The implementation of clearly stated in a mutually agreed financing
the transparency principle aims to assist agreement;
shareholders and stakeholders in assessing 4. The strategic decision-making process related
the performance and risks encountered by to the direction of the Company's business
the Company. The implementation of this development is executed transparently through
principle still pays attention to the company's internal meetings or through the General
information disclosure policy and complies Meeting of Shareholders (GMS) to make
with applicable laws and regulations. decisions that must be made by shareholders.
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Prinsip-Prinsip Penjelasan Implementasi di Perseroan
No.
Principles Explanation Implementation in the Company
2. Akuntabilitas Perseroan menetapkan pembagian dan 1. Perseroan menetapkan charter atau Piagam
Accountability kejelasan fungsi, struktur, sistem, serta yang secara jelas menguraikan pembagian
pertanggungjawaban dari masing-masing tugas dan tanggung jawab dari masing-masing
Organ GCG agar kegiatan usaha dapat Organ GCG;
berjalan efektif dan efisien. Dengan adanya 2. Pengambilan segala bentuk keputusan terkait
pemisahan tugas yang jelas, setiap Organ pengelolaan ataupun arah pengembangan
dapat bekerja secara independen dan bisnis Perseroan senantiasa dilakukan secara
terbebas dari pengaruh kepentingan objektif dan berdasarkan keputusan dari Organ
tertentu atau terbebas dari benturan yang relevan;
kepentingan dengan pihak manapun yang 3. Seluruh karyawan wajib menjalankan tugas dan
dapat mengganggu kelancaran pelaksanaan tanggung jawabnya sesuai peran dan fungsi
tugas dan tanggung jawabnya dalam masing-masing tanpa ada tekanan-tekanan
bekerja. dari pihak manapun yang tidak sesuai dengan
kepentingan Perseroan;
The Company establishes the division and 4. Dewan Komisaris dan Direksi
clarity of functions, structures, systems, mempertanggungjawabkan kinerjanya kepada
and accountability of each GCG Organ so pemegang saham melalui RUPS.
that business activities can run effectively
and efficiently. With a clear separation of 1. The Company establishes a charter that
duties, each Organ can work independently clearly outlines the division of duties and
and free from the influence of certain responsibilities of each GCG Governing Body;
interests or free from conflicts of interest 2. All decisions related to the management
with any party that can interfere with the or direction of the Company's business
smooth implementation of its duties and development are always made objectively
responsibilities at work. and based on the decisions of the relevant
governing bodies;
3. All employees must carry out their duties and
responsibilities according to their respective
roles and functions without any pressure from
any party that is not in accordance with the
interests of the Company;
4. The Board of Commissioners and Board of
Directors are accountable for their performance
to the shareholders through the GMS.
3. Tanggung Jawab Perseroan selalu berpegang pada prinsip 1. Secara aktif mengikuti perkembangan regulasi
Responsibility kehati-hatian dalam menjalankan kegiatan terkini khususnya yang relevan dengan bidang
usaha pembiayaan, serta senantiasa usaha pembiayaan ataupun lembaga jasa
mematuhi peraturan perundang-undangan keuangan non-bank;
yang berlaku dan melaksanakan tanggung 2. Mematuhi peraturan perundang-undangan yang
jawab korporasi terhadap masyarakat dan berlaku seperti dalam hal ketenagakerjaan,
lingkungan. kewajiban perpajakan, kesehatan dan
keselamatan kerja serta persaingan usaha;
The Company always adheres to the 3. Melaksanakan tanggung jawab
principle of prudence in conducting its sosial perusahaan (Corporate Social
financing business activities, and always Responsibility/”CSR”).
complies with applicable laws and
regulations and carries out corporate 1. Actively follow the latest regulatory
responsibility towards the community and developments, especially those relevant to
the environment. the financing business or non-bank financial
services institutions;
2. Comply with applicable laws and regulations
such as in terms of employment, tax obligations,
occupational health and safety and business
competition;
3. Implement corporate social responsibility
("CSR").
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Tata Kelola Perusahaan
Corporate Governance
Prinsip-Prinsip Penjelasan Implementasi di Perseroan
No.
Principles Explanation Implementation in the Company
4. Independensi Kemampuan Perseroan dalam menjalankan 1. Menjalankan kegiatan usaha sesuai dengan
Independence kegiatan usaha secara profesional dan ketentuan Anggaran Dasar dan peraturan
independen serta bebas dari benturan perundang-undangan yang berlaku;
kepentingan dan pengaruh/tekanan dari 2. Pengambilan keputusan dilakukan secara
pihak-pihak manapun yang bertentangan objektif dan berdasarkan keputusan bersama;
dengan peraturan dan perundang-undangan 3. Seluruh Organ GCG wajib melaksanakan
di bidang pembiayaan dan nilai-nilai fungsi dan tanggung jawabnya dengan
etika serta standar, prinsip, dan praktik mengutamakan independensi dan objektivitas
penyelenggaraan usaha pembiayaan yang untuk menghindari terjadinya dominasi oleh
sehat. pihak manapun, serta tidak terpengaruh oleh
kepentingan tertentu dan bebas dari benturan
The Company's ability to conduct business kepentingan sehingga keputusan yang diambil
activities professionally and independently berlandaskan pada pandangan yang objektif;
and free from conflicts of interest and 4. Pemegang saham dan Dewan Komisaris
influence/pressure from any parties that are dilarang mencampuri kegiatan operasional
contrary to the laws and regulations in the Perseroan.
field of financing and ethical values as well
as standards, principles, and practices of 1. Carry out business activities in accordance with
healthy financing business implementation. the provisions of the Articles of Association and
applicable laws and regulations;
2. Decision-making is done objectively and based
on collective decisions;
3. All GCG Governing Bodies must fulfil their
functions and responsibilities by prioritizing
independence and objectivity to avoid
domination by any party, as well as not being
influenced by certain interests and free from
conflicts of interest so that decisions made are
based on objective views;
4. Shareholders and the Board of Commissioners
are prohibited from interfering with the
operations of the Company.
5. Kewajaran Perseroan menjunjung tinggi prinsip 1. Seluruh pemegang saham baik mayoritas
Fairness kesetaraan, keseimbangan, dan keadilan maupun minoritas berhak menghadiri dan
dalam memenuhi hak-hak pemangku memberikan suara dalam RUPS sesuai dengan
kepentingan yang timbul berdasarkan ketentuan yang berlaku;
perjanjian, peraturan perundang-undangan, 2. Memberikan perlakuan yang setara, wajar, dan
nilai-nilai etika, standar, prinsip, dan praktik adil kepada semua pemangku kepentingan
penyelenggaraan usaha pembiayaan yang dalam memenuhi haknya sesuai dengan
sehat, namun tetap mempertimbangkan manfaat dan kontribusi yang diberikan kepada
peraturan yang berlaku dan Anggaran Dasar Perseroan;
Perseroan. 3. Menjunjung tinggi inklusivitas di tempat kerja
dengan memberikan kesempatan yang sama
The Company upholds the principles of dan setara kepada semua karyawan untuk
equality, balance, and fairness in fulfilling mendapatkan promosi atau mengikuti program
the rights of stakeholders arising based on pengembangan kompetensi SDM tanpa
agreements, laws and regulations, ethical membedakan suku, agama, ras, jenis kelamin.
values, standards, principles, and practices
of healthy financing business operations, at 1. All shareholders, both majority and minority,
the same time, it still considering applicable are entitled to attend and vote in the GMS in
regulations and the Company's Articles of accordance with applicable regulations;
Association. 2. Provide equal, fair and reasonable treatment
to all stakeholders in fulfilling their rights in
accordance with the benefits and contributions
made to the Company;
3. Promote inclusiveness in the workplace
by providing equal opportunities to all
employees to get promoted or participate in HR
competency development programs without
distinguishing ethnicity, religion, race, gender.
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Roadmap Penerapan GCG
Roadmap for GCG Implementation
Perseroan secara konsisten berupaya untuk terus The Company consistently strives to continuously improve
meningkatkan kualitas bisnis dengan memegang teguh business quality by upholding GCG principles in every
prinsip GCG secara berkelanjutan dalam setiap langkah operational measures. The Company's efforts to realize
operasional. Upaya Perseroan untuk mewujudkan hal itu this are shown through the preparation of a long-term
ditunjukkan melalui penyusunan roadmap penerapan GCG implementation roadmap to provide comprehensive
GCG jangka panjang guna memberikan panduan secara guidance to Management on various aspects that need to
komprehensif kepada Manajemen atas berbagai aspek be improved and enhanced.
yang perlu diperbaiki dan ditingkatkan.
Dengan adanya roadmap GCG yang jelas, Perseroan With a clear GCG roadmap, the Company and all employees
dan seluruh karyawan memiliki referensi dan dasar have a reference and basis for developing initiatives to
untuk menyusun inisiatif peningkatan kualitas penerapan improve the quality of GCG implementation to realize
GCG untuk mewujudkan praktik tata kelola yang efektif. effective governance practices. The preparation of the
Penyusunan roadmap tersebut disesuaikan dengan kondisi roadmap is adjusted to the Company's condition, the
Perseroan, peta arah Tata Kelola Perusahaan Indonesia, dan direction map of Indonesian Corporate Governance, and
standar internasional terkait praktik GCG. international standards related to GCG practices.
Berikut ini adalah perjalanan implementasi GCG pada The following is the journey of GCG implementation within
lingkup Perseroan: the Company:
Target Komitmen & Integritas GCG FIFGROUP
2013
Target FIFGROUP GCG Commitment & Integrity
Program Kerja | Work Program
1. Penyempurnaan prinsip Mengenal Nasabah (Know 1. Refinement of the Know your Customer (KYC) principle;
your Customer/”KYC”);
2. Penyusunan pedoman pemantauan risiko; 2. Development of risk monitoring guidelines;
3. Penyusunan Business & Ethic Framework; 3. Development of the Business & Ethics Framework;
4. Assessment GCG IICG dengan predikat “Terpercaya”; 4. IICG GCG Assessment with the predicate "Trusted";
5. Implementasi prinsip anti benturan kepentingan. 5. Implementation of the principle of anti-conflict of interest.
2014 Target Penyempurnaan Infrastruktur GCG FIFGROUP
-
2016 Target GCG Infrastructure Improvement in FIFGROUP
Program Kerja | Work Program
1. Penyelesaian Kode Etik FIF; 1. Completion of FIF Code of Conduct;
2. Pembentukan Komite Nominasi dan Remunerasi; 2. Establishment of Nomination and Remuneration Committee;
3. Penetapan Business & Ethic Framework. 3. Establishment of Business & Ethic Framework.
Target Penerapan GCG Excellence di FIFGROUP
2017 Target GCG Excellence Implementation in FIFGROUP
Program Kerja | Work Program
1. Penyempurnaan Business & Ethic Framework; 1. Completion of Business & Ethic Framework;
2. Penyempurnaan Organ GCG FIF; 2. Completion of FIF GCG Governing Bodies;
3. Assessment GCG secara berkala. 3. Periodic GCG Assessment.
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Tata Kelola Perusahaan
Corporate Governance
Target Penguatan GCG Excellence di FIFGROUP
2018
Target Strengthening GCG Excellence in FIFGROUP
Program Kerja | Work Program
1. Penguatan implementasi Business & Ethic; 1. Strengthening the implementation of Business & Ethic;
2. Penguatan implementasi GCG melalui proses 2. Strengthening GCG implementation through periodic
pengawasan dan evaluasi berkala oleh organ-organ monitoring and evaluation process by the Company's
Perseroan; governing bodies;
3. Assessment GCG berkala. 3. Periodic GCG Assessment.
Target Penyempurnaan GCG Excellence di FIFGROUP
2019
Target GCG Excellence Improvement in FIFGROUP
Program Kerja | Work Program
1. Penyempurnaan fungsi, organ, serta struktur 1. Improvement of functions, governing bodies, and
organisasi Perseroan; organizational structure of the Company;
2. Penyempurnaan penerapan GCG melalui 2. Improvement of GCG implementation through periodic
pengawasan, penilaian, serta evaluasi GCG secara GCG supervision, assessment, and evaluation;
berkala;
3. Penyempurnaan sistem anti fraud dan whistleblowing 3. Improvement of anti-fraud and whistleblowing system
dengan pembentukan fungsi Anti Fraud Management with the establishment of Anti-Fraud Management System
System. function.
2020 Target
- Sustainable Governance
2023 Target
Program Kerja | Work Program
1. Penguatan Risk-Based Approach di seluruh struktur 1. Strengthening the Risk-Based Approach in all GCG
dan mekanisme GCG; structures and mechanisms;
2. Memperkuat praktik GCG yang dapat melindungi 2. Strengthening GCG practices that can protect the
kepentingan seluruh stakeholders Perseroan; interests of all the Company's stakeholders;
3. Terbentuknya fungsi Koordinator Aksi Keuangan 3. Establishment of Sustainable Finance Action Coordinator
Berkelanjutan; function;
4. Penguatan Fungsi Kepatuhan. 4. Strengthening the Compliance Function.
Target Penyempurnaan GCG melalui aspek Pelindungan Data Pribadi (PDP) Strategic Improvement
2024
Target GCG improvement through Personal Data Protection (PDP) Strategic Improvement aspect
Program Kerja | Work Program
1. Melakukan pembaruan Record of Processing 1. Update Record of Processing Activities (RoPA) and Data
Activities (RoPA) dan Data Protection Impact Protection Impact Assessment (DPIA) regularly;
Assessment (DPIA) secara berkala;
2. Melakukan pembaruan terhadap kebijakan dan 2. Update internal policies and procedures and documents
prosedur internal beserta dokumen pendukung; supporting;
3. Melakukan pengembangan terhadap proses 3. Conduct development of operational processes;
operasional;
4. Penguatan terhadap infrastruktur teknologi informasi; 4. Strengthen information technology infrastructure;
5. Pemberian pemahaman (awareness) di lingkup 5. Provide awareness within Company;
Perseroan;
6. Melakukan audit internal yang bersumber dari 6. Conduct internal audits stemming from the provisions of
ketentuan UU PDP; the PDP Law;
7. Pembentukan organisasi pelindungan data pribadi 7. Establishment of a personal data protection organization
yang berada di bawah Fungsi Kepatuhan. under the Compliance Function.
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Rencana Penerapan GCG Tahun 2025 GCG Implementation Plan 2025
Pada tahun 2025 mendatang, Perseroan berencana In 2025, the Company plans to continue its efforts to
untuk kembali melanjutkan upaya peningkatan kualitas improve the quality of GCG implementation by focusing
penerapan GCG dengan menaruh fokus pada sejumlah on the following priorities:
prioritas berikut ini:
1. Memastikan kepatuhan Perseroan terhadap berbagai 1. Ensure the Company's compliance with various new
POJK baru yang akan terbit di tahun 2025, khususnya POJK that will be issued in 2025, especially POJK related
POJK terkait Tata Kelola; to Governance;
2. Menetapkan roadmap implementasi PDP untuk tahun 2. Establish the roadmap PDP implementation for 2025
2025 yakni sebagai berikut: as follows:
a. Pembaruan terhadap Record of Processing Activities a. Updates to Record of Processing Activities (RoPA) and
(RoPA) dan Data Protection Impact Assessment Data Protection Impact Assessment (DPIA) in line with
(DPIA) seiring perubahan dan improvement pada changes and improvements to business processes;
proses bisnis;
b. Penyesuaian pada proses operasional dalam b. Adjustments to operational processes in managing
pengelolaan subject data consent dalam suatu subject data consent in a centralized database and
database terpusat serta penguatan kontrol dalam strengthening controls in bidding activities;
aktivitas penawaran;
c. Dalam kaitannya dengan System & Technology, c. In relation to System & Technology, the Company
Perseroan akan melakukan penguatan atas Data Loss will strengthen Data Loss Prevention (DLP), access
Prevention (DLP), access management, dan centralized management, and centralized database for data
database atas consent/persetujuan subjek data. subject consent.
Keterkaitan Penerapan Tata Kelola Perusahaan
dengan Kinerja Perseroan
The Relationship Between the Implementation of Corporate Governance and
the Company's Performance
Berkat kesadaran penuh seluruh elemen organisasi dalam As the result of the full awareness of all elements of the
menerapkan prinsip- prinsip GCG secara konsisten dan organization in applying GCG principles consistently and
berkelanjutan pada setiap proses bisnis, Perseroan berhasil sustainably in every business process, the Company
mencatatkan GCG outcome yang positif sebagaimana managed to record a positive GCG outcome as reflected
tercermin dari pencapaian kinerja tahun 2024 yang tetap in the achievement of 2024 performance which remained
solid meski tengah dihadapkan dengan sejumlah tantangan. solid despite being confronted with several challenges.
Pertumbuhan Pembiayaan Motor Baru Pertumbuhan Laba Bersih
New Motorcycle Financing Growth Net Profit Growth
5,20% 2024
2023
Rp29.900.350
Rp26.921.760 7,50% 2024
2023
Rp4.415.534
Rp4.107.391
disajikan dalam jutaan Rupiah | expressed in millions of Rupiah disajikan dalam jutaan Rupiah | expressed in millions of Rupiah
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Tata Kelola Perusahaan
Corporate Governance
Struktur dan Mekanisme GCG
GCG Structure and Mechanism
Komitmen Perseroan terhadap GCG tercermin pada The Company's commitment to GCG is reflected in an
Kerangka Kerja Tata Kelola (Governance Framework) adequate Governance Framework as the main foundation
yang memadai sebagai landasan utama penerapan GCG for the implementation of GCG for all governing bodies of
bagi seluruh Organ Perseroan guna mewujudkan kinerja the Company to realize business performance that meets
bisnis yang memenuhi target dan dilakukan dengan tetap targets and is completed by maintaining ethics in accordance
menjaga etika sesuai ketentuan yang berlaku di Indonesia. with applicable regulations in Indonesia. The alignment of
Keselarasan aspek-aspek tersebut menghasilkan efektivitas these aspects results in a positive governance outcome in
tata kelola (governance outcome) yang positif sesuai dengan accordance with the expectations of stakeholders.
harapan para pemangku kepentingan.
Struktur Tata Kelola Governance Structure
Perseroan memiliki kecukupan Struktur Tata Kelola atau The Company has an adequate Governance Structure in
Governance Structure yang memadai sesuai ketentuan accordance with the provisions of Law No. 40 of 2007
UU No. 40 Tahun 2007 tentang Perseroan terbatas yang concerning Limited Liability Companies which has been
telah diubah menjadi Peraturan Pemerintah Pengganti amended by Government Regulation in Lieu of Law No.
Undang-Undang No. 2 Tahun 2022 tentang UU Cipta Kerja. 2 of 2022 concerning Job Creation Law. Referring to the
Mengacu pada perundang-undangan tersebut, Perseroan legislation, the Company has the main bodies in the GCG
memiliki Organ utama dalam struktur GCG yang terdiri dari structure consisting of GMS, Board of Commissioners,
RUPS, Dewan Komisaris, dan Direksi. Dalam melaksanakan and Board of Directors. In performing their duties and
tugas dan tanggung jawabnya, ketiga Organ utama tersebut responsibilities, the three main governing bodies are
dibantu oleh organ-organ pendukung lainnya. assisted by other supporting bodies.
Mekanisme Tata Kelola Governance Mechanism
Perseroan menerapkan proses atau mekanisme GCG The Company implements GCG process or mechanism as
sebagai suatu cara, prosedur, dan aturan yang jelas bagi a way, procedure, and clear rules for each governing body
masing-masing Organ dalam menerapkan prinsip-prinsip in implementing GCG principles supported by an adequate
GCG yang didukung oleh struktur GCG yang memadai GCG structure and complete GCG soft structure tools as
dan perangkat soft structure GCG yang lengkap sebagai guidelines for all employees in its daily operational activities
pedoman bagi seluruh karyawan dalam menjalankan to always be based on GCG principles.
kegiatan operasional sehari-hari agar senantiasa
berlandaskan pada prinsip-prinsip GCG.
Untuk mewujudkan penerapan GCG yang efektif, hingga To achieve the effective implementation of GCG, by the
akhir 2024, Perseroan telah memiliki perangkat soft end of 2024, the Company already has GCG soft structure
structure GCG yang meliputi Anggaran Dasar, Pedoman tools that include the Articles of Association, Corporate
Tata Kelola Perusahaan, Piagam Dewan Komisaris dan Governance Guidelines, Board of Commissioners and
Direksi, Piagam Komite-Komite, hingga pedoman teknis Directors Charters, Committee Charters, and other internal
internal lainnya. Keberadaan seluruh kebijakan dan prosedur technical guidelines. The existence of all these internal
internal tersebut bertujuan untuk membantu terlaksananya policies and procedures aims to help the implementation of
mekanisme check and balance secara efektif pada setiap check and balance mechanisms effectively in every business
aktivitas bisnis yang dilakukan Perseroan. activity carried out by the Company.
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Penilaian GCG Tahun 2024
GCG Assessment in 2024
Perseroan secara berkala melakukan evaluasi terhadap The Company periodically evaluates the implementation of
penerapan GCG untuk memperoleh hasil penilaian yang GCG to obtain an objective assessment of the effectiveness of
objektif mengenai efektivitas pelaksanaan serta kecukupan the implementation as well as the adequacy of GCG structure
struktur dan infrastruktur GCG. Pengukuran atas kualitas and infrastructure. Periodic measurement of the quality of
penerapan GCG secara periodik menunjukkan langkah GCG implementation shows the Company's concrete steps
konkret Perseroan dalam meningkatkan kualitas penerapan in improving the quality of GCG implementation from time
GCG dari waktu ke waktu. to time.
Melalui evaluasi berkala ini, Manajemen dapat memperoleh Through this periodic evaluation, Management can obtain
masukan dan rekomendasi penilaian yang konstruktif constructive feedback and assessment recommendations
sebagai landasan untuk melakukan perbaikan secara as a basis for continuous improvement so that the Company
berkesinambungan sehingga Perseroan dapat mencapai can achieve governance outcomes that meet stakeholder
governance outcome yang memenuhi harapan pemangku expectations. GCG assessment in the Company is conducted
kepentingan. Penilaian GCG di Perseroan dilakukan dengan using self-assessment method.
menggunakan metode penilaian sendiri (self-assessment).
Penilaian Mandiri (Self-Assessment) Self-Assessment
Prosedur Penilaian Assessment Procedure
Prosedur penilaian GCG secara self-assessment The GCG self-assessment procedure is conducted in a
dilakukan secara terstruktur dan komprehensif, dengan structured and comprehensive manner, by integrating
mengintegrasikan faktor-faktor penilaian ke dalam tiga the assessment factors into three aspects of governance,
aspek governance, yaitu governance structure, governance namely governance structure, governance process, and
process, dan governance outcome. Perseroan mengukur governance outcome. The Company measures the quality
kualitas pelaksanaan GCG secara komprehensif dan of GCG implementation in a comprehensive and structured
terstruktur dengan mengacu pada 3 (tiga) aspek utama, yaitu: manner with reference to 3 (three) main aspects, namely:
1. Penerapan prinsip GCG pada Perseroan; 1. Implementation of GCG principles in the Company;
2. Kecukupan tata kelola atas struktur, proses, dan hasil 2. The adequacy of governance over the structure, process,
penerapan GCG pada Perseroan; dan and results of GCG implementation in the Company; and
3. Informasi lain yang terkait dengan GCG yang 3. Other information related to GCG based on relevant
didasarkan pada data dan informasi yang relevan. data and information.
Kriteria Penilaian Assessment Criteria
Dasar penilaian GCG Perseroan dalam melakukan self- The basis for the Company's GCG assessment in conducting
assessment mengacu pada regulasi POJK No. 28/ self-assessment refers to POJK regulation No. 28/
POJK.05/2020 tentang Penilaian Tingkat Kesehatan Lembaga POJK.05/2020 concerning Health Level Assessment of
Jasa Keuangan Non-Bank, SEOJK No. 11/SEOJK.05/2020 Non-Bank Financial Services Institutions, SEOJK No. 11/
tentang Penilaian Tingkat Kesehatan Perusahaan SEOJK.05/2020 concerning Soundness Level Assessment of
Pembiayaan dan Perusahaan Pembiayaan Syariah, serta Financing Companies and Sharia Financing Companies, and
disesuaikan juga dengan pedoman GCG yang berlaku umum also adjusted to other generally accepted GCG guidelines.
lainnya. Dengan mengacu pada sejumlah regulasi yang With reference to several existing regulations, the criteria, or
ada, maka kriteria atau parameter penilaian atas penerapan parameters for assessing the implementation of GCG within
GCG pada lingkup Perseroan dikelompokkan ke dalam 12 the scope of the Company are grouped into 12 (twelve)
(dua belas) faktor, yaitu: factors, namely:
1. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 1. Implementation of duties and responsibilities of the
Board of Commissioners;
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Tata Kelola Perusahaan
Corporate Governance
2. Pelaksanaan tugas dan tanggung jawab Direksi; 2. Implementation of duties and responsibilities of the
Board of Directors;
3. Pelaksanaan tugas dan tanggung jawab Dewan 3. Implementation of duties and responsibilities of the
Pengawas Syariah; Sharia Supervisory Board ;
4. Pelaksanaan tugas dan tanggung jawab pemegang 4. Implementation of duties and responsibilities of
saham atau yang setara; shareholders or their equivalent;
5. Kelengkapan dan pelaksanaan tugas komite; 5. Comprehensiveness and implementation of
committee duties;
6. Penanganan benturan kepentingan; 6. Handling conflict of interest;
7. Penerapan fungsi kepatuhan; 7. Implementation of the compliance function;
8. Penerapan fungsi audit internal; 8. Implementation of internal audit function;
9. Penerapan fungsi audit eksternal; 9. Implementation of external audit function;
10. Penerapan manajemen risiko termasuk sistem 10. Implementation of risk management including internal
pengendalian internal; control system;
11. Transparansi kondisi keuangan dan non-keuangan, 11. Transparency of financial and non-financial conditions,
laporan pelaksanaan GCG, dan pelaporan internal; dan reports on GCG implementation, and internal reporting; and
12. Rencana strategis Perseroan. 12. The Company's strategic plan.
Pihak yang Melakukan Penilaian Party Conducting the Assessment
Penilaian GCG secara mandiri melibatkan peran GCG self-assessment involves the active supervisory role
pengawasan aktif Dewan Komisaris, Direksi, dan Pejabat of the Board of Commissioners, Board of Directors, and
Eksekutif agar dapat menghasilkan penilaian yang objektif Executive Officers in order to produce an objective and
dan komprehensif terkait efektivitas penerapan GCG. comprehensive assessment of the effectiveness of GCG
implementation.
Hasil Penilaian Assessment Results
Pada tahun 2024, Perseroan telah melakukan penilaian In 2024, the Company has conducted a self-assessment
sendiri (self-assessment) terhadap pelaksanaan GCG dengan of the implementation of GCG with a composite result of
hasil komposit 1 (satu) atau berada pada kategori “Sangat 1 (one) or in the "Very Good" category. The following is a
Baik”. Berikut ini adalah ringkasan hasil GCG assessment summary of the Company's GCG assessment results for
Perseroan untuk periode 2024: the period of 2024:
Parameter/Indikator Peringkat Bobot Risiko Keterangan
No. RxB
Parameter/Indicators Rating Risk Weight Description
1. Pelaksanaan tugas dan 1,00 8,34 0,083 Pelaksanaan Tugas dan Tanggung Jawab Direksi
tanggung jawab Direksi di Perusahaan secara umum telah berjalan dengan
Implementation of duties sangat baik.
and responsibilities of the In general, the Board of Directors Duty and
Board of Directors Responsibility implementation in the Company has
been carried out appropriately.
2. Pelaksanaan tugas dan 1,00 8,34 0,083 Pelaksanaan Tugas dan Tanggung Jawab Dewan
tanggung jawab Dewan Komisaris di Perusahaan secara umum telah
Komisaris berjalan dengan sangat baik.
Implementation of duties The implementation of the duties and
and responsibilities of the responsibilities of the Board of Commissioners in
Board of Commissioners the Company has been carried out appropriately.
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Parameter/Indikator Peringkat Bobot Risiko Keterangan
No. RxB
Parameter/Indicators Rating Risk Weight Description
3. Pelaksanaan Tugas & 1,00 8,34 0,083 Pelaksanaan Tugas dan Tanggung Jawab Dewan
Tanggung Jawab Dewan Pengawas Syariah di Perusahaan secara umum telah
Pengawas Syariah untuk berjalan dengan sangat baik.
Perusahaan Pembiayaan Implementation of the Sharia Supervisory Board
Syariah Duties and Responsibilities in the Company has been
Implementation of Duties & carried out appropriately.
Responsibilities of the Sharia
Supervisory Board
4. Pelaksanaan tugas dan 1,00 8,34 0,083 Pelaksanaan Tugas dan Tanggung Jawab Pemegang
tanggung jawab pemegang Saham di Perusahaan secara umum telah berjalan
saham atau yang setara dengan sangat baik.
Implementation of duties In general, implementation of Duties and
and responsibilities of Responsibilities of the Shareholders in the Company
shareholders or their has been carried out appropriately.
equivalent
5. Kelengkapan dan 1,00 8,33 0,083 Kelengkapan dan pelaksanaan tugas komite di
pelaksanaan tugas komite Perusahaan secara umum telah berjalan dengan
Comprehensiveness and sangat baik.
implementation of committee In general, the comprehensiveness and
duties implementation of the committee duties has been
carried out appropriately.
6. Penanganan Benturan 1,00 8,33 0,083 Penanganan Benturan Kepentingan di Perusahaan
Kepentingan secara umum telah berjalan dengan sangat baik.
Handling Conflict of Interest In general, the handling of Conflict of Interest in the
Company has been carried out appropriately.
7. Penerapan fungsi kepatuhan 1,00 8,33 0,083 Penerapan Fungsi Kepatuhan di Perusahaan secara
Implementation of the umum telah berjalan dengan sangat baik.
compliance function In general, implementation of the Compliance
Function in the Company has carried out
appropriately.
8. Penerapan fungsi audit 1,00 8,33 0,083 Penerapan Fungsi Audit Internal di Perusahaan secara
internal umum telah berjalan dengan sangat baik.
Implementation of internal In general, implementation of Internal Audit Function
audit function in the Company has been carried out appropriately.
9. Penerapan fungsi audit 1,00 8,33 0,083 Penerapan Fungsi Audit Eksternal di Perusahaan
eksternal secara umum telah berjalan dengan sangat baik.
Implementation of external In general, implementation of the External Audit
audit function Function in the Company has been carried out
appropriately.
10. Penerapan manajemen 1,00 8,33 0,083 Penerapan Manajemen Risiko di Perusahaan secara
risiko termasuk sistem umum telah berjalan dengan sangat baik.
pengendalian internal In general, implementation of Risk Management in the
Implementation of risk Company has been carried out appropriately.
management including
internal control system
11. Transparansi kondisi 1,00 8,33 0,083 Transparansi Kondisi Keuangan dan Non Keuangan,
keuangan dan non-keuangan, Laporan pelaksanaan Tata Kelola yang Baik dan
laporan pelaksanaan GCG, Pelaporan Internal di Perusahaan secara umum telah
dan pelaporan internal berjalan dengan sangat baik.
Transparency of financial Transparency of Financial and Non-Financial
and non-financial Conditions, Good Corporate Governance
conditions, reports on GCG Implementation Reports and Internal Reporting
implementation, and internal in the Company have generally been carried out
reporting appropriately.
12. Rencana strategis Perseroan 1,00 8,33 0,083 Penyusunan, Penyampaian, Penerapan, dan
The Company's strategic plan Pengawasan Rencana Bisnis Tahunan di Perusahaan
secara umum telah berjalan dengan sangat baik.
In general, preparation, submission, implementation
and supervision of the Company’s Annual Business
Plan has been carried out appropriately.
Peringkat Komposit 1,00 100
Composite Ranking
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Tata Kelola Perusahaan
Corporate Governance
Kesimpulan Penilaian GCG Tahun 2024 dan Conclusion of GCG Assessment Year 2024 and
Rekomendasi Perbaikannya Recommendations for Improvement
Perseroan melakukan analisis yang komprehensif dan The Company conducted a comprehensive and structured
terstruktur dalam memberikan penilaian terhadap peringkat analysis in providing an assessment of the GCG factor ratings
faktor GCG sebagaimana yang diuraikan pada tabel di atas. as described in the table above. Based on the results of
Berdasarkan hasil penilaian GCG secara self-assessment the GCG self-assessment throughout 2024, the Company
sepanjang 2024, Perseroan mendapatkan rekomendasi received recommendations for areas of improvement and
area perbaikan dan berkomitmen untuk menindaklanjutinya is committed to following up by involving all Company
dengan melibatkan seluruh Organ perusahaan, yaitu governing bodies, as follows:
sebagai berikut:
1. Governance Structure 1. Governance Structure
a. Kekuatan aspek governance structure Perusahaan a. The strength of the Company's governance
adalah lengkapnya infrastruktur dalam struktur structure aspect is the complete infrastructure
organisasi Perusahaan, pedoman kerja, fasilitas in the Company's organizational structure, work
pengembangan kompetensi, serta kebijakan lain yang guidelines, competency development facilities,
mendukung jalannya tata kelola yang baik. Selain and other policies that support the Company's good
itu, sistem pengendalian internal telah dilaksanakan governance. Furthermore, the internal control system
oleh departemen terpisah (Kepatuhan, Audit Internal, has been implemented by separate departments
dan Manajemen Risiko) dan independen terhadap (Compliance, Internal Audit, and Risk Management)
satuan kerja operasional Perusahaan. and is independent of the Company's operational
work units.
b. Kelemahan aspek governance structure Perusahaan b. Weaknesses in the governance structure aspect of
secara umum tidak ada, karena struktur tata Kelola the Company in general do not exist, because the
Perusahaan sudah terpenuhi dengan baik. governance structure of the Company has been
properly fulfilled.
2. Governance Process 2. Governance Process
a. Kekuatan aspek proses tata kelola (governance a. The strength of the Company's governance
process) Perusahaan adalah pelaksanaan tugas process aspect is the implementation of duties
dan tanggung jawab dari seluruh organ Perusahaan and responsibilities of all governing bodies of the
yang sesuai dengan pedoman kerja dan peraturan Company in accordance with work guidelines and
perundang-undangan serta dilaksanakannya laws and regulations as well as the implementation
pengurusan dari Direksi dan pengawasan efektif of management from the Board of Directors
dari Dewan Komisaris atas operasional Perusahaan. and effective supervision from the Board of
Commissioners over the Company's operations.
b. Kelemahan aspek proses tata kelola (governance b. The weaknesses of the Company's governance
process) Perusahaan secara umum tidak ada, karena process aspects generally do not exist,
Perusahaan telah menerapkan tata kelola yang baik because the Company has implemented good
dengan efektif. governance effectively.
3. Governance Outcome 3. Governance Outcome
a. Kekuatan aspek hasil penerapan tata kelola a. The strength of the governance outcome aspect of
(governance outcome) Perusahaan adalah adanya the Company is the existence of clear output from
output yang jelas dari pelaksanaan tugas dan the implementation of the duties and responsibilities
tanggung jawab organ Perusahaan sehingga of the Company's governing bodies to support the
mampu mendukung tercapainya praktek bisnis dan achievement of sound business practices and work
lingkungan kerja yang sehat sehingga mendukung environment to support the achievement of good
pencapaian kinerja perusahaan yang baik. company performance.
b. Kelemahan aspek hasil penerapan tata kelola b. The weakness of the governance outcome aspect of
(governance outcome) Perusahaan secara umum the Company in general does not exist, because the
tidak ada, karena tata kelola Perusahaan telah Company's governance has been well implemented.
dilaksanakan dengan baik.
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Rapat Umum Pemegang Saham (“RUPS”)
General Meeting of Shareholders ("GMS")
Rapat Umum Pemegang Saham (RUPS) merupakan Organ The General Meeting of Shareholders (GMS) is the main
utama dalam struktur GCG Perseroan yang memiliki segala body in the Company's GCG structure that has all authority
kewenangan yang tidak dapat didelegasikan kepada that cannot be delegated to the Board of Directors or the
Direksi ataupun Dewan Komisaris, sesuai dalam batas yang Board of Commissioners, within the limits set forth in the
ditentukan dalam Undang-Undang atau Anggaran Dasar. Law or Articles of Association. However, without prejudice
Meskipun demikian, tanpa mengurangi kewenangannya, to its authority, the GMS or shareholders cannot intervene in
RUPS ataupun pemegang saham tidak dapat mengintervensi the implementation of the duties, functions and authorities
pelaksanaan tugas, fungsi dan wewenang Dewan Komisaris of the Board of Commissioners and Board of Directors.
dan Direksi.
RUPS juga menjadi forum resmi yang menjadi wadah bagi The GMS is also an official forum for shareholders to
pemegang saham untuk mengambil keputusan strategis make strategic decisions regarding the management of
terkait pengelolaan perusahaan. Proses pengambilan the company. The decision-making process in the GMS is
keputusan di dalam RUPS dilakukan secara musyawarah, conducted in a deliberative, fair and transparent manner.
wajar, dan transparan. Setelah keputusan diambil dan After the decision is made and stipulated, the GMS hands
ditetapkan, RUPS menyerahkan segala kewenangan over all supervisory authority and implementation of the
pengawasan dan pelaksanaan atas keputusan tersebut decision to the Board of Commissioners and the Board
kepada Dewan Komisaris dan Direksi, dengan tidak of Directors, without reducing the authority of the GMS in
mengurangi kewenangan RUPS sesuai dengan ketentuan accordance with the provisions of the Company's Articles
Anggaran Dasar Perseroan dan peraturan perundang- of Association and applicable laws and regulations.
undangan yang berlaku.
Informasi Pemegang Saham Utama dan Information on Majority and Controlling
Pengendali Shareholders
Pemegang saham utama adalah pihak yang baik secara Majority shareholders are parties that either directly or
langsung atau tidak langsung, memiliki paling sedikit indirectly, own at least 20% (twenty percent) of the voting
20% (dua puluh persen) hak suara dari seluruh saham rights of all shares with voting rights issued by a company
yang mempunyai hak suara yang dikeluarkan oleh or a smaller amount than that as determined by FSA.
suatu perusahaan atau jumlah yang lebih kecil dari itu Meanwhile, a controlling shareholder is a party that directly
sebagaimana ditetapkan oleh OJK. Sedangkan pemegang or indirectly owns more than 50% (fifty percent) of all shares
saham pengendali adalah pihak yang baik langsung maupun with voting rights that have been fully paid up and/or has
tidak langsung memiliki saham perusahaan hingga lebih the ability to determine, either directly or indirectly, in any
dari 50% (lima puluh persen) dari seluruh saham dengan way matters related to the management and/or policies of
hak suara yang telah disetor penuh dan/atau mempunyai the company.
kemampuan untuk menentukan, baik langsung maupun tidak
langsung, dengan cara apa pun hal-hal terkait pengelolaan
dan/atau kebijakan perusahaan.
Dengan mengacu pada ketentuan tersebut, pihak yang With reference to these provisions, the party acting as the
bertindak sebagai pemegang saham utama dan pengendali majority and controlling shareholder of the Company is PT
Perseroan adalah PT Astra International Tbk dengan Astra International Tbk with share ownership of the Company
kepemilikan saham atas Perseroan mencapai 99,99996% reaching 99.99996% and PT Arya Kharisma acting as a non-
dan PT Arya Kharisma bertindak sebagai pemegang saham controlling shareholder with share ownership of 0.00004%.
non pengendali dengan kepemilikan saham sebesar
0,00004%.
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Tata Kelola Perusahaan
Corporate Governance
Akses Informasi Kepada Pemegang Saham Access to Information to Shareholders
Perseroan berkewajiban untuk memberikan akses informasi The Company is obliged to provide access to transparent
yang transparan kepada seluruh pemegang saham termasuk information to all shareholders including non-controlling
pemegang saham non-pengendali guna mencegah terjadinya shareholders to prevent asymmetric information that is
asymmetric information yang tersebar luas di kalangan widely spread among shareholders. The following are
pemegang saham. Berikut ini adalah kanal komunikasi yang the communication channels used by the Company to
digunakan Perseroan untuk menyebarluaskan informasi disseminate information to shareholders in a timely manner:
kepada pemegang saham secara tepat waktu:
Tabel Akses Informasi kepada Pemegang Saham
Table of Information Access to Shareholders
Keterangan
Media
Description
RUPS Media penyampaian laporan dan informasi yang memungkinkan pemegang saham dapat
GMS berpartisipasi dalam pengambilan keputusan.
A medium for the delivery of reports and information that enables shareholders to participate in
decision-making.
Situs Web Perseroan: https://fifgroup.co.id/
Website IDX: www.idx.co.id (emiten code: FIFA)
Company: https://fifgroup.co.id/
IDX: www.idx.co.id (issuer code: FIFA)
Media Cetak Media cetak berupa surat kabar atau koran berskala nasional.
Print Media Print media in form of national newspapers or newspapers.
Komitmen Perseroan dalam menjaga kualitas transparansi The Company's commitment in maintaining the quality
dan akuntabilitas kepada pemegang saham diharapkan of transparency and accountability to shareholders is
dapat meminimalisir kemungkinan terjadinya tindakan yang expected to minimize the possibility of abusive actions
bersifat merugikan (abusive) baik yang disebabkan oleh caused by management and/or the group of majority and
manajemen dan/atau kelompok pemegang saham utama controlling shareholders.
dan pengendali.
Ketentuan Umum dan Tata Cara Penyelenggaraan General Provisions and Procedures for Organizing
RUPS GMS
Perseroan menyelenggarakan 2 (dua) jenis RUPS yaitu: The Company organizes 2 (two) types of GMS, namely:
1. RUPS Tahunan (RUPST): Rapat yang wajib diadakan 1. Annual General Meeting of Shareholders (AGMS): A
dalam jangka waktu paling lambat 6 (enam) bulan setelah meeting that must be held no later than 6 (six) months
tahun buku berakhir. after the fiscal year ends.
2. RUPS Luar Biasa (RUPSLB): Rapat yang dapat diadakan 2. Extraordinary GMS (EGMS): Meetings that can be held at
setiap waktu jika dipandang perlu oleh Direksi, Dewan any time if deemed necessary by the Board of Directors,
Komisaris, atau Pemegang Saham untuk menetapkan Board of Commissioners, or Shareholders to determine
hal-hal yang tidak dilakukan dalam RUPS Tahunan. matters that are not done in the Annual GMS.
Tata cara penyelenggaraan kedua jenis RUPS tersebut The procedure for organizing both types of GMS refers to the
mengacu pada ketentuan UU No. 40 Tahun 2007 tentang provisions of Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas, POJK No. 30/POJK.05/2014 jo. POJK Companies, POJK No. 30/POJK.05/2014 in conjunction
29/POJK.05/2020 tentang Tata Kelola Perusahaan yang with POJK 29/POJK.05/2020 concerning Good Corporate
Baik bagi Perusahaan Pembiayaan dan Anggaran Dasar Governance for Financing Companies and the Company's
Perseroan. Dengan berpedoman pada regulasi tersebut, Articles of Association. By referring to these regulations, the
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Perseroan memastikan seluruh tahapan penyelenggaraan Company ensures that all stages of organizing the Annual
RUPS Tahunan (RUPST) tahun 2024 telah memenuhi GMS (AGMS) in 2024 have fulfilled the provisions of the GMS
ketentuan prosedur Pemberitahuan, Pengumuman, dan Notification, Announcement, and Invitation procedures, with
Pemanggilan RUPS, dengan keterangan sebagai berikut: the following information:
RUPS Pemberitahuan Waktu dan tempat Publikasi Hasil dan Keputusan RUPST Tahun 2024
GMS Notice Time and Place Publication of 2024 GMS Results and Resolutions
RUPS Tahunan Penyampaian 19 April 2024 di Menara FIF, Jl. TB Hasil Keputusan RUPST Tahun 2024
(RUPST) Tahun 2023 Laporan Tahunan Simatupang Kav.15, Lebak Bulus, dipublikasikan melalui situs web Perseroan:
Annual General periode 2023 Jakarta Selatan https://fifgroup.co.id/informasi-perusahaan/
Meeting of Submission of hubungan-investor#rapat-umum-pemegang-
Shareholders (AGMS) Annual Report saham
in 2023 2023 The resolutions of the AGMS of 2024 is published
through the Company's website: https://www.
fifgroup.co.id/informasi-perusahaan/hubungan-
investor#rapat-umum-pemegang-saham
Agenda dan Keputusan RUPS Tahunan 2024 (Tahun Buku 2023) dan Realisasi
Agenda and Resolutions of the 2024 Annual GMS (Fiscal Year 2023) and its Realization
Mata Acara Rapat Persetujuan Laporan Tahunan Perseroan untuk Tahun Buku 2023, termasuk Pengesahan Laporan Tugas
Pertama Pengawasan Dewan Komisaris, dan Pengesahan Laporan Keuangan Perseroan untuk Tahun Buku 2023.
First Meeting Agenda Approval of the Company's Annual Report for the Fiscal Year 2023, including Ratification of the Board of
Commissioners Supervisory Report, and Ratification of the Company's Financial Statements for the Fiscal Year
2023.
Keputusan 1. Menyetujui laporan kegiatan usaha Perseroan, hasil yang dicapai, pelaksanaan tanggung jawab sosial
Resolution(s) dan lingkungan, serta rincian masalah yang timbul selama tahun buku 2023 yang mempengaruhi
kegiatan usaha Perseroan sebagaimana diuraikan dalam Laporan Tahunan Perseroan untuk tahun buku
2023 (“Laporan Tahunan 2023”), termasuk mengesahkan Laporan Tugas Pengawasan Dewan Komisaris
Perseroan yang tercantum dalam Laporan Tahunan 2023; dan
2. Mengesahkan Laporan Keuangan Perseroan untuk tahun buku 2023 yang terdiri dari laporan posisi
keuangan akhir tahun buku 2023 dalam perbandingan dengan tahun buku 2022, laporan arus kas dan
perubahan ekuitas serta penjelasan atas laporan tersebut yang telah diaudit oleh kantor akuntan publik
Tanudiredja, Wibisana, Rintis & Rekan, sebagaimana dimuat dalam laporan mereka tanggal 20 Februari
2024 dengan pendapat wajar dalam semua hal yang material (“Laporan Keuangan 2023”).
1. To approve the report on the Company's business activities, results achieved, implementation of social
and environmental responsibilities, as well as details of issues arising during the fiscal year 2023 affecting
the Company's business activities as described in the Company's Annual Report for the fiscal year 2023
("2023 Annual Report"), including ratifying the Report on the Supervisory Duties of the Company's Board of
Commissioners contained in the 2023 Annual Report; and
2. To ratify the Company's Financial Statements for the 2023 Fiscal Year consisting of the statement
of financial position at the end of the 2023 Fiscal Year in comparison with the 2022 Fiscal Year, the
statements of cash flows and changes in equity as well as explanations to those statements which have
been audited by the public accounting firm Tanudiredja, Wibisana, Rintis & Partners, as contained in their
report dated February 20, 2024 with a fair opinion in all material respects ("2023 Financial Statements").
Hasil Pemungutan Setuju: 100%
Suara Agree: 100%
Voting Results
Abstain: -
Abstain: -
Tidak setuju: -
Disagree : -
Tahun Realisasi Telah direalisasikan pada tahun 2024 sesuai Akta Pernyataan Keputusan Rapat No. 02 tanggal 02 Mei 2024
Year of Realization Has been realized in 2024 in accordance with Deed of Meeting Resolution No. 02 dated May 02, 2024.
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Tata Kelola Perusahaan
Corporate Governance
Mata Acara Rapat Penetapan Penggunaan Laba Bersih Perseroan Penetapan Penggunaan Laba Bersih Perseroan Tahun Buku 2023.
Kedua Determination of the Use of the Company's Net Income for the Fiscal Year 2023.
Second Meeting
Agenda
Keputusan Menetapkan penggunaan laba bersih dan laba ditahan Perseroan untuk tahun buku 2023 (dua ribu dua puluh
Resolution(s) tiga) sebesar Rp4.107.391.095.583,00 (empat triliun seratus tujuh miliar tiga ratus sembilan puluh satu juta sembilan
puluh lima ribu lima ratus delapan puluh tiga Rupiah) dan saldo laba ditahan Perseroan yang belum ditentukan
penggunaannya sampai dengan tahun 2023 (dua ribu dua puluh tiga) sebesar Rp928.904.417,00 (sembilan ratus
dua puluh delapan juta sembilan ratus empat ribu empat ratus tujuh belas Rupiah), sebagai berikut:
1. Menyisihkan sebesar Rp1.000.000.000,00 (satu miliar Rupiah) dari laba bersih sebagai dana cadangan
Perseroan;
2. Membagikan dividen tunai untuk Tahun Buku 2023 (dua ribu dua puluh tiga), setelah dikurangi penyisihan untuk
cadangan, senilai Rp4.107.320.000.000,00 (empat triliun seratus tujuh miliar tiga ratus dua puluh juta Rupiah)
kepada para pemegang saham Perseroan dengan rincian sebagai berikut:
a. Sebesar Rp1.319.920.000.000,00 (satu triliun tiga ratus sembilan belas miliar sembilan ratus dua puluh
juta Rupiah) telah dibagikan sebagai dividen interim pada tanggal 24 (dua puluh empat) Oktober 2023
(dua ribu dua puluh tiga) berdasarkan Keputusan Direksi PT Federal International Finance Nomor KepDir-
FIF/001/X/2023 tanggal 11 (sebelas) Oktober 2023 (dua ribu dua puluh tiga) dan telah memperoleh
Persetujuan Dewan Komisaris Perseroan berdasarkan Keputusan Sirkuler Dewan Komisaris PT Federal
International Finance Nomor L.Leg/SPDK-015/FIF/2023 tanggal 11 (sebelas) Oktober 2023 (dua ribu dua
puluh tiga), dengan rincian sebagai berikut:
• PT Astra International Tbk sebesar Rp1.319.919.528.600,00 (satu triliun tiga ratus sembilan belas miliar
sembilan ratus sembilan belas juta lima ratus dua puluh delapan ribu enam ratus Rupiah);
• PT Arya Kharisma sebesar Rp471.400,00 (empat ratus tujuh puluh satu ribu empat ratus Rupiah)
b. Sebesar Rp2.787.400.000.000,00 (dua triliun tujuh ratus delapan puluh tujuh miliar empat ratus juta Rupiah)
dibagikan sebagai dividen final kepada para pemegang saham Perseroan dengan rincian sebagai berikut:
• PT Astra International Tbk sebesar Rp2.787.399.004.500,00 (dua triliun tujuh ratus delapan puluh tujuh
miliar tiga ratus sembilan puluh sembilan juta empat ribu lima ratus Rupiah);
• PT Arya Kharisma sebesar Rp995.500,00 (sembilan ratus sembilan puluh lima ribu lima ratus Rupiah).
yang akan dibayarkan oleh Perseroan melalui transfer ke rekening bank kepada masing-masing Pemegang
Saham selambat-lambatnya pada tanggal 22 (dua puluh dua) Mei 2024 (dua ribu dua puluh empat) dengan
memperhatikan ketentuan perpajakan yang berlaku; dan
c. Memberikan wewenang kepada Direksi Perseroan untuk melaksanakan pembagian dividen final tersebut
dan untuk melakukan semua tindakan yang diperlukan. Pembayaran dividen akan dilakukan dengan
memperhatikan ketentuan perpajakan yang berlaku.
To determine the use of the Company's net profit and retained earnings for the fiscal year 2023 (two thousand
twenty-three) amounting to Rp4,107,391,095,583.00 (four trillion one hundred seven billion three hundred ninety-one
million ninety-five thousand five hundred eighty-three Rupiah) and the balance of earnings the Company's retained
that have not been determined until 2023 (two thousand twenty-three) amounting to Rp928,904,417.00 (nine
hundred twenty-eight million nine hundred four thousand four hundred seventeen Rupiah), as follows:
1. To set aside Rp1,000,000,000.00 (one billion Rupiah) of the net profit as the Company's reserve fund;
2. To distribute cash dividends for 2023 (two thousand twenty-three) Fiscal Year, net of allowance for reserves,
amounting to Rp4,107,320,000,000.00 (four trillion one hundred seven billion three hundred twenty million
Rupiah) to the shareholders of the Company with the following details:
a. An amount of Rp1,319,920,000,000.00 (one trillion three hundred nineteen billion nine hundred twenty
million Rupiah) has been distributed as interim dividend on October 24 (twenty-four), 2023 (two thousand
twenty-three) based on the Decree of the Board of Directors of PT Federal International Finance Number
KepDir-FIF/001/X/2023 dated October 11 (eleven), 2023 (two thousand twenty-three) and has obtained
the Approval of the Company's Board of Commissioners based on the Circular Decree of the Board of
Commissioners of PT Federal International Finance Number L. Leg/SPDK-015/FIF/2023 dated October 11
(eleven), 2023 (two thousand twenty-three), with details as follows:
• PT Astra International Tbk amounting to Rp1,319,919,528,600.00 (one trillion three hundred nineteen
billion nine hundred nineteen million five hundred twenty-eight thousand six hundred Rupiah);
• PT Arya Kharisma amounting to Rp471,400.00 (four hundred seventy-one thousand four hundred
Rupiah)
b. The amount of Rp2.787.400.000.000,00 (two trillion seven hundred eighty-seven billion four hundred million
Rupiah) was distributed as final dividend to the shareholders of the Company with the following details:
• PT Astra International Tbk amounting to Rp2,787,399,004,500.00 (two trillion seven hundred eighty-
seven billion three hundred ninety-nine million four thousand five hundred Rupiah);
• PT Arya Kharisma amounting to Rp995,500.00 (nine hundred ninety-five thousand five hundred
Rupiah).
which will be paid by the Company through transfer to the bank account of each Shareholder no later
than May 22 (twenty-two), 2024 (two thousand twenty-four) with due observance of applicable taxation
provisions; and
c. To authorize the Board of Directors of the Company to implement the final dividend distribution and to
take all necessary actions. Payment of dividends will be made with due observance of applicable taxation
provisions.
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Hasil Pemungutan Setuju: 100%
Suara Agree: 100 %
Voting Results
Abstain: -
Abstain: -
Tidak setuju: -
Disagree: -
Tahun Realisasi Telah direalisasikan pada tahun 2024 sesuai Akta Pernyataan Keputusan Rapat No. 02 tanggal 02 Mei 2024
Year of Realization Has been realized in 2024 in accordance with Deed of Meeting Resolution No. 02 dated May 02, 2024.
Mata Acara Rapat Pengangkatan Anggota Direksi dan Dewan Komisaris Perseroan, Pemberian Wewenang dan Kuasa kepada
Ketiga Presiden Direktur Perseroan untuk Menetapkan Pembagian Tugas dan Wewenang Anggota Direksi Perseroan,
Third Meeting Penetapan Gaji dan Tunjangan Anggota Direksi Perseroan dan Gaji atau Honorarium dan Tunjangan Anggota
Agenda Dewan Komisaris Perseroan, dan Pengangkatan Anggota Dewan Pengawas Syariah Perseroan.
Appointment of Members of the Board of Directors and Board of Commissioners of the Company, Delegation
of Authority to the President Director of the Company to Determine the Division of Duties and Authority of
Members of the Board of Directors of the Company, Determination of Salaries and Benefits of Members of
the Board of Directors of the Company and Salaries or Honorarium and Benefits of Members of the Board
of Commissioners of the Company, and Appointment of Members of the Sharia Supervisory Board of the
Company.
Keputusan 1. Mengangkat :
Resolution(s) a. Bapak Suparno Djasmin sebagai Presiden Komisaris
b. Bapak Thomas Junaidi Alim Wijaya sebagai Komisaris
c. Bapak R. Nunu Soetjahja Noegroho sebagai Komisaris Independen
d. Bapak Gede Harja Wasistha sebagai Komisaris Independen
e. Bapak Siswadi sebagai Presiden Direktur
f. Bapak Setia Budi sebagai Direktur
g. Bapak Daniel Hartono sebagai Direktur
h. Bapak Indra Gunawan sebagai Direktur
i. Ibu Sri Harjati sebagai Direktur
j. Ibu Valentina Chai Wei Li sebagai Direktur
Untuk masa jabatan terhitung sejak ditutupnya Rapat ini sampai dengan penutupan Rapat Umum
Pemegang Saham tahunan Perseroan tahun 2026, dengan catatan bahwa segala fungsi, tugas dan
wewenang Bapak Thomas Junaidi Alim Wijaya, Bapak Gede Harja Wasistha dan Bapak Siswadi baru akan
menjadi efektif terhitung sejak tanggal surat pernyataan lulus uji penilaian kemampuan dan kepatutan dari
Otoritas Jasa Keuangan.
2. Memberikan wewenang dan kuasa kepada Presiden Direktur Perseroan untuk menetapkan pembagian
tugas dan wewenang anggota Direksi Perseroan.
3. Memberikan kuasa kepada Presiden Komisaris Perseroan untuk menetapkan: (i) Gaji dan tunjangan
anggota Direksi Perseroan; dan (ii) Gaji atau honorarium dan tunjangan anggota Dewan Komisaris
Perseroan.
4. Mengangkat Bapak Aminudin Yakub sebagai anggota Dewan Pengawas Syariah Perseroan, untuk
masa jabatan terhitung sejak ditutupnya Rapat ini sampai dengan penutupan Rapat Umum Pemegang
Saham Tahunan tahun 2026, dengan mengindahkan ketentuan hukum yang berlaku serta dengan tidak
mengurangi hak RUPS untuk memberhentikan beliau sewaktu-waktu sesuai dengan ketentuan peraturan
perundang-undangan yang berlaku.
1. Appointing:
a. Mr. Suparno Djasmin as President Commissioner
b. Mr. Thomas Junaidi Alim Wijaya as Commissioner
c. Mr. R. Nunu Soetjahja Noegroho as Independent Commissioner
d. Mr. Gede Harja Wasistha as Independent Commissioner
e. Mr. Siswadi as President Director
f. Mr. Setia Budi as Director
g. Mr. Daniel Hartono as Director
h. Mr. Indra Gunawan as Director
i. Mrs. Sri Harjati as Director
j. Mrs. Valentina Chai Wei Li as Director
For the term of office commencing from the closing of this Meeting until the closing of the annual General
Meeting of Shareholders of the Company in 2026, with a note that all functions, duties and authorities of
Mr. Thomas Junaidi Alim Wijaya, Mr. Gede Harja Wasistha and Mr. Siswadi will only become effective as of
the date of the statement of passing the fit and proper test from the Financial Services Authority.
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Tata Kelola Perusahaan
Corporate Governance
2. To authorize the President Director of the Company to determine the distribution of duties and authorities
of the members of the Board of Directors of the Company.
3. To authorize the President Commissioner of the Company to determine: (i) Salaries and benefits of
members of the Company's Board of Directors; and (ii) Salaries or honorarium and benefits of members of
the Company's Board of Commissioners.
4. To appoint Mr. Aminudin Yakub as a member of the Sharia Supervisory Board of the Company, for the term
of office commencing from the closing of this Meeting until the closing of the Annual General Meeting of
Shareholders in 2026, subject to the prevailing laws and regulations and without prejudice to the right of
the GMS to dismiss him at any time in accordance with the prevailing laws and regulations.
Hasil Pemungutan Setuju: 100%
Suara Agree: 100 %
Voting Results
Abstain: -
Abstain: -
Tidak setuju: -
Disagree: -
Tahun Realisasi Telah direalisasikan pada tahun 2024 sesuai Akta Pernyataan Keputusan Rapat No. 01 tanggal 02 Mei 2024
Year of Realization dan Akta Pernyataan Keputusan Rapat No. 02 tanggal 02 Mei 2024.
Has been realized in 2024 in accordance with Deed of Meeting Resolution No. 01 dated May 02, 2024 and
Deed of Meeting Resolution No. 02 dated May 02, 2024.
Mata Acara Rapat Penunjukan Kantor Akuntan Publik untuk Melakukan Audit Laporan Keuangan Perseroan untuk Tahun Buku
Keempat 2024.
Fourth Meeting Appointment of a Public Accountant Firm to Audit the Company's Financial Statements for the Fiscal Year 2024.
Agenda
Keputusan 1. Dengan mempertimbangkan usulan Dewan Komisaris Perseroan yang memperhatikan rekomendasi
Resolution(s) Komite Audit Perseroan, menunjuk kantor akuntan publik Tanudiredja, Wibisana, Rintis & Rekan, anggota
jaringan PricewaterhouseCoopers, yang merupakan kantor akuntan publik yang terdaftar di Otoritas Jasa
Keuangan, untuk melakukan audit Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada
tanggal 31 Desember 2024; dan
2. Memberikan wewenang kepada Direksi Perseroan untuk menetapkan jumlah honorarium dan persyaratan
lainnya sehubungan dengan penunjukan kantor akuntan publik tersebut sesuai dengan ketentuan yang
berlaku.
1. To consider the proposal of the Company's Board of Commissioners and take into account the
recommendation of the Company's Audit Committee, to appoint a public accounting firm Tanudiredja,
Wibisana, Rintis & Rekan, a member of the PriceWaterhouseCoopers network, which is a public accounting
firm registered with the Financial Services Authority, to audit the Company's Financial Statements for the
fiscal year ending December 31, 2024; and
2. To authorize the Board of Directors of the Company to determine the amount of honorarium and other
requirements related to the appointment of the public accounting firm in accordance with applicable
regulations.
Hasil Pemungutan Setuju: 100%
Suara Agree: 100 %
Voting Results
Abstain: -
Abstain: -
Tidak setuju: -
Disagree: -
Tahun Realisasi Telah direalisasikan pada tahun 2024 sesuai Akta Pernyataan Keputusan Rapat No. 01 tanggal 02 Mei 2024
Year of Realization Has been realized in 2024 in accordance with Deed of Meeting Resolution No. 01 dated May 02, 2024.
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Informasi tentang Hasil Keputusan RUPS Tahunan Information on the Resolutions of the 2023
2023 (Tahun Buku 2022) dan Tindak Lanjutnya Annual GMS (Fiscal Year 2022) and Follow-Up
Pada tahun 2023, Perseroan melaksanakan 1 (satu) kali In 2023, the Company conducted 1 (one) AGMS held on
RUPST yang diselenggarakan tanggal 6 April 2023, April 6, 2023, at St. Regis Hotel, Jalan HR. Rasuna Said
bertempat di The St. Regis Hotel, Jalan HR. Rasuna Said Kav. B/4 Setiabudi, South Jakarta. The 2023 AGMS was
Kav. B/4 Setiabudi, Jakarta Selatan. Pelaksanaan RUPST attended by the Board of Commissioners, Board of Directors
tahun 2023 dihadiri oleh Dewan Komisaris, Direksi dan and Shareholders of the Company serving until the AGMS
Pemegang Saham Perseroan yang menjabat sampai pada took place.
RUPST tersebut berlangsung.
Seluruh keputusan RUPST Tahun 2023 telah direalisasikan All resolutions of the 2023 AGM have been realized and
dan ditindaklanjuti oleh Manajemen di tahun 2023, followed up by the Management in 2023, as listed below:
sebagaimana tercantum di bawah ini:
Mata Acara
Rapat Keputusan Realisasi
Meeting Resolutions Realization
Agenda
I 1. Menyetujui laporan kegiatan usaha Perseroan, hasil yang dicapai, pelaksanaan Telah direalisasikan sesuai Akta
tanggung jawab sosial dan lingkungan, serta rlncian masalah yang timbul selama Pernyataan Keputusan Rapat
Tahun Buku 2022 yang mempengaruhi kegiatan usaha Perseroan sebagaimana No. 32 tanggal 13 April tahun
diuraikan dalam Laporan Tahunan Perseroan untuk Tahun Buku 2022 (“Laporan 2023.
Tahunan 2022”) termasuk mengesahkan Laporan Tugas Pengawasan Dewan Has been realized in
Komisaris Perseroan yang tercantum dalam Laporan Tahunan 2022. accordance with the Deed of
2. Mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2022 yang Meeting Resolution No. 32
terdiri dari laporan posisi keuangan akhir Tahun Buku 2022 dalam perbandingan dated April 13, 2023.
dengan tahun buku 2021, laporan arus kas dan perubahan ekuitas serta
penjelasan atas laporan tersebut yang telah diaudit oleh Kantor Akuntan Publik
Tanudiredja, Wibisana, Rintis & Rekan sebagaimana dimuat dalam laporan mereka
tanggal 20 Februari 2023 dengan pendapat wajar dalam semua hal yang material
(“Laporan Keuangan 2022”).
3. Dan dengan disetujuinya Laporan Tahunan 2022 dan disahkannya Laporan Tugas
Pengawasan Dewan Komisaris Perseroan serta Laporan Keuangan 2022, Para
Pemegang saham dengan ini memberikan pelunasan dan pembebasan tanggung
jawab sepenuhnya (acquit et de charge) kepada seluruh anggota Direksi
Perseroan atas tindakan pengurusan dan anggota Dewan Komisaris Perseroan
atas tindakan pengawasan yang mereka lakukan selama Tahun Buku 2022,
sejauh tindakan-tindakan tersebut tercermin dalam Laporan Tahunan 2022 dan
Laporan Keuangan 2022.
1. To approve the report on the Company's business activities, results achieved,
implementation of social and environmental responsibilities, as well as a list of
issues arising during the 2022 Fiscal Year that affect the Company's business
activities as described in the Company's Annual Report for the 2022 Fiscal Year
("2022 Annual Report") including ratifying the Report on the Supervisory Duties of
the Company's Board of Commissioners contained in the 2022 Annual Report.
2. To ratify the Company's Financial Statements for the Fiscal Year 2022 consisting
of the statement of financial position at the end of the Fiscal Year 2022 in
comparison with the Fiscal Year 2021, the statements of cash flows and changes
in equity as well as explanations to those statements which have been audited
by the Public Accounting Firm Tanudiredja, Wibisana, Rintis & Rekan as contained
in their report dated February 20, 2023 with a fair opinion in all material respects
("2022 Financial Statements").
3. And with the approval of the 2022 Annual Report and the ratification of the Board
of Commissioners' Supervisory Report and the 2022 Financial Statements, the
Shareholders hereby grant full release and discharge (acquit et de charge) to all
members of the Company's Board of Directors for their management actions and
members of the Company's Board of Commissioners for their supervisory actions
during the 2022 Fiscal Year, to the extent that such actions are reflected in the
2022 Annual Report and 2022 Financial Statements.
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Tata Kelola Perusahaan
Corporate Governance
Mata Acara
Rapat Keputusan Realisasi
Meeting Resolutions Realization
Agenda
II Menetapkan penggunaan Laba bersih dan laba ditahan Perseroan untuk Tahun Telah direalisasikan sesuai Akta
Buku 2022 yaitu laba bersih tahun 2022 Rp3.173.660.734.638,00 (tiga triliun seratus Pernyataan Keputusan Rapat
tujuh puluh tiga miliar enam ratus enam puluh juta tujuh ratus tiga puluh empat ribu No. 32 tanggal 13 April tahun
enam ratus tiga puluh delapan Rupiah) dan saldo laba ditahan Perseroan yang belum 2023.
ditentukan penggunaannya sampai dengan tahun 2022 sebesar Rp1.139.255.362,00 Has been realized in
(satu miliar seratus tiga puluh sembilan juta dua ratus lima puluh lima ribu tiga ratus accordance with the Deed of
enam puluh dua Rupiah), sebagai berikut: Meeting Resolution No. 32
1. Menyisihkan sebesar Rp1.000.000.000,00 (satu miliar Rupiah) dari laba bersih dated April 13, 2023.
sebagai dana cadangan Perseroan;
2. Membagikan dividen tunai untuk Tahun Buku 2022, setelah dikurangi penyisihan
untuk cadangan senilai Rp3.173.800.000.000,00 (tiga triliun seratus tujuh puluh
tiga miliar delapan ratus juta Rupiah) kepada pada pemegang saham Perseroan
dengan rincian sebagai berikut:
a. sebesar Rp525.560.000.000,00 (lima ratus dua puluh lima miliar lima ratus
enam puluh juta Rupiah) telah dibagikan sebagai dividen interim pada tanggal
24 Oktober 2022 (24-10-2022) berdasarkan Keputusan Direksi PT Federal
International Finance No.: KepDirFIF/001/X/2022 tanggal 18 Oktober 2022
(18- 10-2022) dan telah memperoleh Persetujuan Dewan Komisaris Perseroan
berdasarkan Keputusan Sirkuler Dewan Komisaris PT Federal International
Finance No.:L.Leg/SPDK-010/ FIF/2022 tanggal 18 Oktober 2022 (18-10-2022),
dengan rincian sebagai berikut:
• PT Astra International Tbk sebesar Rp525.559.812.300,00 (lima ratus dua
puluh lima miliar lima ratus lima puluh sembilan juta delapan ratus dua
belas ribu tiga ratus Rupiah);
• PT Arya Kharisma sebesar Rp187.700,00 (seratus delapan puluh tujuh ribu
tujuh ratus Rupiah).
b. sebesar Rp2.648.240.000.000,00 (dua triliun enam ratus empat puluh
delapan miliar dua ratus empat puluh juta Rupiah) dibagikan sebagai dividen
final kepada Para Pemegang Saham Perseroan dengan rincian sebagai
berikut:
• PT Astra International Tbk sebesar Rp2.648.239.054.200,00 (dua triliun
enam ratus empat puluh delapan miliar dua ratus tiga puluh sembilan juta
lima puluh empat ribu dua ratus Rupiah);
• PT Arya Kharisma sebesar Rp945.800,00 (sembilan ratus empat puluh
lima ribu delapan ratus Rupiah).
Yang akan dibayarkan Perseroan melalui transfer ke rekening bank kepada
masing-masing Pemegang Saham selambat-lambatnya pada tanggal 12 Mei
2023 dengan memperhatikan ketentuan perpajakan yang berlaku.
3. Memberikan wewenang kepada Direksi Perseroan untuk melaksanakan pembagian
dividen final tersebut untuk melakukan semua tindakan yang diperlukan. Pembayaran
dividen akan dilakukan dengan memperhatikan ketentuan perpajakan yang berlaku.
To determine the use of the Company's net profit and retained earnings for the 2022
Fiscal Year, namely net profit in 2022 of Rp3,173,660,734,638.00 (three trillion one
hundred seventy-three billion six hundred sixty million seven hundred thirty-four
thousand six hundred thirty-eight Rupiah) and the balance of the Company's retained
earnings that have not been determined for use until 2022 of Rp1,139,255,362.00
(one billion one hundred thirty-nine million two hundred fifty-five thousand three
hundred sixty-two Rupiah), as follows:
1. To set aside Rp1,000,000,000.00 (one billion Rupiah) of the net profit as the
Company's reserve fund;
2. To distribute cash dividends for Fiscal Year 2022, after deducting allowance
for reserves amounting to Rp3,173,800,000,000.00 (three trillion one hundred
seventy-three billion eight hundred million Rupiah) to the shareholders of the
Company with the following details:
a. amounting to Rp525,560,000,000.00 (five hundred twenty-five billion five
hundred sixty million Rupiah) was distributed as interim dividend on October
24, 2022 (24-10-2022) based on the Decree of the Board of Directors of PT
Federal International Finance No.: KepDirFIF/001/X/2022 dated October 18,
2022 (18-10-2022) with details as follows:
• PT Astra International Tbk amounting to Rp525,559,812,300.00 (five
hundred twenty five billion five hundred fifty nine million eight hundred
twelve thousand three hundred Rupiah);
• PT Arya Kharisma amounting to Rp187,700.00 (one hundred eighty seven
thousand seven hundred Rupiah).
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Mata Acara
Rapat Keputusan Realisasi
Meeting Resolutions Realization
Agenda
b. The total amount of Rp2,648,240,000,000.00 (two trillion six hundred forty-
eight billion two hundred forty million Rupiah) was distributed as final dividend
to the Shareholders of the Company with the following details:
• PT Astra International Tbk amounting to Rp2,648,239,054,200.00 (two
trillion six hundred forty-eight billion two hundred thirty-nine million fifty-
four thousand two hundred Rupiah);
• PT Arya Kharisma amounting to Rp945,800.00 (nine hundred forty-five
thousand eight hundred Rupiah).
Which will be paid by the Company through transfer to the bank account
of each Shareholder no later than May 12, 2023 with due observance of
applicable taxation provisions.
3. To authorize the Board of Directors of the Company to implement the final
dividend distribution and to take all necessary actions. Payment of dividends will
be made with due observance of applicable taxation provisions.
III Memberikan kuasa kepada Presiden Komisaris Perseroan untuk menetapkan: Telah direalisasikan sesuai Akta
1. Gaji dan tunjangan anggota Direksi Perseroan; dan Pernyataan Keputusan Rapat
2. Gaji atau honorarium dan tunjangan anggota Dewan Komisaris Perseroan yang No. 32 tanggal 13 April tahun
berlaku terhitung sejak ditutupnya Rapat ini hingga penutupan Rapat Umum 2023.
Pemegang Saham Tahunan Perseroan tahun 2024. Has been realized in
accordance with the Deed of
To authorize the President Commissioner of the Company to determine: Meeting Resolution No. 32
1. Salaries and allowances of members of the Board of Directors of the Company; dated April 13, 2023.
and
2. Salary or honorarium and benefits of the members of the Board of Commissioners
of the Company effective as of the closing of this Meeting until the closing of the
Annual General Meeting of Shareholders of the Company in 2024.
IV 1. Sehubungan dengan surat pengunduran diri tertanggal 1 Maret 2023 masing- Telah direalisasikan sesuai Akta
masing dari tuan Hugeng Gozali dan tuan Antony Sastro Jopoetro, maka Pernyataan Keputusan Rapat
menerima pengunduran diri tuan Hugeng Gozali dan tuan Antony Sastro No. 32 tanggal 13 April tahun
Jopoetro dari jabatan mereka masing-masing selaku Direktur Perseroan terhitung 2023.
sejak ditutupnya Rapat tersebut; Has been realized in
2. Sehubungan dengan surat Usulan Perubahan Susunan Anggota Direksi accordance with the Deed of
Perseroan tertanggal 16 Maret 2023 Nomor Leg/SRT-106/AI/2023 dari PT Astra Meeting Resolution No. 32
International Tbk, yang mengusulkan pengangkatan nyonya Valentina Chai dated April 13, 2023.
Wei Li dan tuan Daniel Hartono masing-masing sebagai Direktur Perseroan,
maka mengangkat nyonya Valentina Chai Wei LI dan tuan Daniel Hartono
masing-masing selaku Direktur Perseroan untuk sisa masa jabatan Direksi yang
digantikannya terhitung sejak ditutupnya Rapat tersebut sampai dengan Rapat
Umum Pemegang Saham Tahunan di tahun 2024.
Sehingga susunan anggota Dewan Komisaris dan Direksi Perseroan selengkapnya
menjadi sebagai berikut:
Dewan Komisaris
Presiden Komisaris : Suparno Djasmin
Komisaris Independen : R. Nunu Soetjahja Noegroho
Komisaris : Johannes Loman
Direksi
Presiden Direktur : Margono Tanuwijaya
Direktur : Valentina Chai Wei Li
Direktur : Sri Harjati
Direktur : Indra Gunawan
Direktur : Daniel Hartono
Direktur : Setia Budi
Terhitung sejak ditutupnya Rapat tersebut sampai dengan Rapat Umum Pemegang
Saham Tahunan di tahun 2024 dengan ketentuan bahwa segala fungsi, tugas
dan wewenang nyonya Valentina Chai Wei Li dan tuan Daniel Hartono masing-
masing selaku Direktur Perseroan baru akan menjadi efektif terhitung sejak tanggal
surat pernyataan lulus uji penilaian kemampuan dan kepatutan dari Otoritas Jasa
Keuangan.
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Tata Kelola Perusahaan
Corporate Governance
Mata Acara
Rapat Keputusan Realisasi
Meeting Resolutions Realization
Agenda
1. In connection with the resignation letter dated March 1, 2023 from Mr. Hugeng
Gozali and Mr. Antony Sastro Jopoetro, respectively, to accept the resignation of
Mr. Hugeng Gozali and Mr. Antony Sastro Jopoetro from their respective positions
as Directors of the Company effective as of the close of the Meeting;
2. In connection with the letter of Proposed Amendment to the Composition of the
Board of Directors of the Company dated March 16, 2023 Number Leg/SRT-106/
AI/2023 from PT Astra International Tbk, which proposed the appointment of Mrs.
Valentina Chai Wei Li and Mr. Daniel Hartono as Directors of the Company, then
appointed Mrs. Valentina Chai Wei Li and Mr. Daniel Hartono as Directors of the
Company for the remaining term of office of the Directors they replaced as of the
closing of the Meeting until the Annual General Meeting of Shareholders in 2024.
Therefore, the composition of the Company's Board of Commissioners and Board of
Directors is as follows:
Board of Commissioners
President Commissioner : Suparno Djasmin
Independent Commissioner : R. Nunu Soetjahja Noegroho
Commissioner : Johannes Loman
Board of Directors
President Director : Margono Tanuwijaya
Director : Valentina Chai Wei Li
Director : Sri Harjati
Director : Indra Gunawan
Director : Daniel Hartono
Director : Setia Budi
As of the closing of the Meeting until the Annual General Meeting of Shareholders in
2024 with the provision that all functions, duties and authorities of Mrs. Valentina Chai
Wei Li and Mr. Daniel Hartono as Directors of the Company will become effective as of
the date of the statement of passing the fit and proper test from the Financial Services
Authority.
V 1. Dengan mempertimbangkan usulan Dewan Komisaris Perseroan yang Telah direalisasikan sesuai Akta
memperhatikan rekomendasi Komite Audit Perseroan, menunjuk kantor Pernyataan Keputusan Rapat
akuntan publik Tanudiredja, Wibisana, Rintis & Rekan, anggota jaringan No. 31 tanggal 13 April tahun
PricewaterhouseCoopers, yang merupakan kantor akuntan publik yang terdaftar 2023.
di Otoritas Jasa Keuangan, untuk melakukan audit Laporan Keuangan Perseroan Has been realized in
untuk tahun buku yang berakhir pada tanggal 31 Desember 2023; dan accordance with the Deed
2. Memberikan wewenang kepada Direksi Perseroan untuk menetapkan jumlah of Meeting Resolution No. 31
honorarium dan persyaratan lainnya sehubungan dengan penunjukan kantor dated April 13, 2023.
akuntan publik tersebut sesuai dengan ketentuan yang berlaku.
1. Taking into account the proposal of the Company's Board of Commissioners
and the recommendation of the Company's Audit Committee, to appoint a
public accounting firm Tanudiredja, Wibisana, Rintis & Rekan, a member of the
PricewaterhouseCoopers network, which is a public accounting firm registered
with the Financial Services Authority, to audit the Company's Financial Statements
for the fiscal year ending December 31, 2023; and
2. To authorize the Board of Directors of the Company to determine the amount
of honorarium and other requirements related to the appointment of the public
accounting firm in accordance with applicable regulations.
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Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan Organ utama dalam struktur The Board of Commissioners is the main bodies in
GCG Perseroan yang bekerja secara kolegial dalam the Company's GCG structure that works collegially in
menjalankan fungsi pengawasan secara umum dan/atau carrying out general and/or special supervisory functions
khusus sesuai dengan ketentuan Anggaran Dasar Perseroan. in accordance with the provisions of the Company's Articles
Dewan Komisaris juga memiliki kewenangan untuk of Association. The Board of Commissioners also has
memberikan nasihat kepada Direksi terkait pengelolaan the authority to provide advice to the Board of Directors
dan kepengurusan Perseroan, serta bertugas memastikan regarding the management and management of the
terlaksananya prinsip-prinsip GCG dalam semua kegiatan Company, and is tasked with ensuring the implementation
bisnis di seluruh jenjang organisasi. of GCG principles in all business activities at all levels of
the organization.
Pedoman Dewan Komisaris Guidelines For the Board of Commissioners
Perseroan memiliki Pedoman Dewan Komisaris sebagaimana The Company has a Board of Commissioners Charter as
telah diubah dengan perubahan terakhir yang dilakukan amended by the latest amendment made on December
pada tanggal 20 Desember 2017. Pedoman tersebut 20, 2017. The Charter is a guide and working basis for all
merupakan panduan dan landasan bekerja bagi seluruh members of the Board of Commissioners in improving
anggota Dewan Komisaris dalam meningkatkan efektivitas the effectiveness of the implementation of its supervisory
pelaksanaan fungsi pengawasannya. Pedoman Dewan function. The BOC Charter is prepared based on the
Komisaris disusun berdasarkan ketentuan Anggaran provisions of the Articles of Association, the Limited Liability
Dasar, Undang-Undang Perseroan Terbatas, dan peraturan Company Law, and other relevant regulations.
terkait lainnya.
Tugas, Wewenang, dan Tanggung Jawab Duties, Authorities, and Responsibilities
Tugas Dewan Komisaris Duties of the Board of Commissioners
Ruang lingkup tugas Dewan Komisaris Perseroan The scope of duties of the Board of Commissioners of
sebagaimana tertuang dalam Pedoman Dewan Komisaris, the Company as set out in the Board of Commissioners
adalah sebagai berikut: Guidelines, are as follows:
1. Memberikan masukan dan rekomendasi atas rencana 1. Provide input and recommendations on the Company's
strategis Perseroan (termasuk rencana kerja tahunan) strategic plan (including the annual work plan) proposed
yang diajukan Direksi; by the Board of Directors;
2. Mengawasi pelaksanaan prinsip-prinsip Tata Kelola 2. Oversee the implementation of Good Corporate
Perusahaan yang Baik dalam aktivitas bisnis Perseroan; Governance principles in the Company's business
activities;
3. Mengawasi dan menasihati Direksi Perseroan mengenai 3. Supervise and advise the Board of Directors on business
risiko bisnis dan upaya manajemen atas pengendalian risks and management's efforts on internal control;
internal;
4. Memberikan pertimbangan setiap keputusan Direksi 4. Give consideration to any decision of the Board of
yang membutuhkan persetujuan Dewan Komisaris Directors that requires the approval of the Board of
berdasarkan ketentuan Anggaran Dasar; Commissioners based on the provisions of the Articles
of Association;
5. Memberikan laporan tugas pengawasan pada Laporan 5. To report on supervisory duties in the Annual Report
Tahunan (termasuk Laporan Tata Kelola Perusahaan (including the Good Corporate Governance Report) and
yang Baik) dan untuk menilai serta menyetujui Laporan to assess and approve the Annual Report;
Tahunan;
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6. Untuk memberikan persetujuan dalam hal Dewan 6. To provide approval in the event that the Sharia
Pengawas Syariah memerlukan bantuan anggota komite Supervisory Board requires the assistance of committee
yang struktur organisasinya berada di bawah Dewan members whose organizational structure is under the
Komisaris; dan Board of Commissioners; and
7. Memastikan bahwa Direksi Perseroan telah 7. Ensure that the Board of Directors of the Company
menindaklanjuti temuan audit dan memberikan has followed up on audit findings and provided
rekomendasi kepada satuan kerja audit internal recommendations to the Company's internal audit
Perseroan, auditor eksternal, hasil pengawasan OJK unit, external auditors, FSA supervision results and/or
dan/atau hasil pengawasan otoritas lain. supervision results of other authorities.
Dalam menjalankan seluruh tugasnya, Dewan Komisaris In performing all its duties, the Board of Commissioners is
dilarang ikut serta dalam pembuatan keputusan-keputusan prohibited from participating in making operational decisions
operasional karena hal itu menjadi bagian dari tanggung as this is part of the responsibility of the Board of Directors.
jawab Direksi. Pelaksanaan fungsi pengawasan Dewan The implementation of the Board of Commissioners'
Komisaris harus dilakukan dengan itikad baik, penuh supervisory function must be carried out in good faith,
tanggung jawab, dan bijaksana demi tercapainya responsibly and wisely for the achievement of the Company's
kepentingan Perseroan dan mempertimbangkan interests and considering the interests of stakeholders.
kepentingan para pemangku kepentingan.
Wewenang Dewan Komisaris Authorities of the Board of Commissioners
Untuk mendukung kelancaran pelaksanaan tugas To support the smooth implementation of supervisory and
pengawasan dan pemberian nasihat kepada Direksi, Dewan advisory duties to the Board of Directors, the Board of
Komisaris juga diberikan sejumlah kewenangan untuk: Commissioners is also granted a number of authorities to:
1. Memeriksa catatan pembukuan dan dokumen-dokumen 1. Examine accounting records and other documents
lain termasuk aset Perseroan; including the Company's assets;
2. Meminta dan menerima informasi terkait Perseroan dari 2. Request and receive information related to the Company
Direksi; from the Board of Directors;
3. Memberikan persetujuan atas pengajuan tindakan 3. To approve the proposal of corporate actions submitted
korporasi yang diajukan Direksi; dan by the Board of Directors; and
4. Memberhentikan sementara anggota Direksi yang 4. Temporarily suspend members of the Board of Directors
bertindak bertentangan dengan Anggaran Dasar dan/ who act contrary to the Articles of Association and/or
atau peraturan perundang-undangan yang berlaku. prevailing laws and regulations.
Tanggung Jawab Dewan Komisaris Responsibilities Board of Commissioners
Dalam menjalankan peran dan fungsinya, Dewan Komisaris In carrying out its roles and functions, the Board of
memiliki tanggung jawab, untuk: Commissioners has responsibilities, for:
1. Meninjau dan memberikan persetujuan atas Laporan 1. Review and approve the Annual Report prepared by the
Tahunan yang disiapkan oleh Direksi sebelum Laporan Board of Directors before the Annual Report is published;
Tahunan tersebut dipublikasikan;
2. Menyediakan laporan kegiatan pengawasannya pada 2. Provide a report of its supervisory activities for the year.
tahun tersebut. Laporan tersebut akan dimasukkan The report will be included in the Company's Annual
dalam Laporan Tahunan Perseroan; Report;
3. Komisaris Independen Perseroan Wajib melaporkan 3. The Independent Commissioner of the Company must
kepada Otoritas Jasa Keuangan (OJK) selambat- report to the Financial Services Authority (OJK) no later
lambatnya 10 (sepuluh) hari kalender sejak ditemukannya: than 10 (ten) calendar days from the discovery:
a. Pelanggaran peraturan perundang-undangan di a. Violation of laws and regulations in the field of
bidang pembiayaan; dan/atau financing; and/or
b. Keadaan atau perkiraan keadaan yang dapat b. Circumstances or estimates of circumstances that
membayakan kelangsungan usaha Perseroan. may jeopardize the Company's business continuity.
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Masa Jabatan, Prosedur Penunjukan, dan Term of Office, Appointment Procedures, and
Pengangkatan Dewan Komisaris Appointment of the Board of Commissioners
Masa jabatan Dewan Komisaris Perseroan berlaku efektif The term of office of the Company's Board of Commissioners
sejak keputusan RUPS atas penunjukan dirinya hingga is effective from the GMS resolution on his/her appointment
penutupan RUPS Tahunan yang kedua sejak tanggal until the closing of the second Annual GMS since the date
pengangkatan tersebut. Sebelum efektif menjabat, setiap of appointment. Prior to taking office, each member of the
anggota Dewan Komisaris Perseroan wajib lulus uji Company's Board of Commissioners must pass the fit and
kemampuan dan kepatutan sesuai Peraturan OJK. proper test in accordance with FSA Regulations.
Sebagaimana tercantum dalam Anggaran dasar Perseoran, As stated in the Articles of Association of the Company, the
masa jabatan anggota Dewan Komisaris dapat berakhir, term of office of a member of the Board of Commissioners
apabila terjadi hal-hal sebagai berikut: may expire, if the following occurs:
1. Kehilangan Kewarganegaraan Indonesia; 1. Loses Indonesian Citizenship;
2. Mengajukan permohonan pengunduran diri; 2. Submits resignation proposal;
3. Tidak lagi memenuhi persyaratan perundang-undangan 3. No longer fulfill the requirements according to laws;
yang berlaku;
4. Meninggal dunia; dan/atau 4. Passed away; and/or;
5. Diberhentikan berdasarkan keputusan RUPS. 5. Dismissed pursuant to GMS resolutions.
Namun demikian, RUPS tetap memiliki kewenangan untuk However, the GMS still has the authority to dismiss a member
memberhentikan anggota Dewan Komisaris sewaktu-waktu of the Board of Commissioners at any time by stating the
dengan menyebutkan alasannya, setelah Komisaris yang reasons, after the Commissioner concerned has been
bersangkutan diberi tahu dan diberikan kesempatan untuk informed and given the opportunity to defend him/herself
membela dirinya dalam RUPS tersebut. Anggota Dewan in the GMS. Members of the Board of Commissioners whose
Komisaris yang masa jabatannya telah berakhir dapat term of office has expired may be reappointed in accordance
diangkat kembali sesuai ketentuan yang berlaku. with applicable regulations.
Susunan, Jumlah, dan Komposisi Anggota Dewan Structure, Number, and Composition of Board of
Komisaris Tahun 2024 Commissioners Members in 2024
Sepanjang tahun 2024, telah terjadi perubahan pada susunan Throughout 2024, there have been changes to the composition
Dewan Komisaris Perseroan sesuai dengan keputusan of the Company's Board of Commissioners in accordance
pemegang saham dalam RUPST Tahun 2024. Informasi with the resolution of the shareholders in the 2024 AGMS.
terkait kronologis perubahan komposisi keanggotaan Dewan Information related to the chronological changes in the
Komisaris, periode, dan dasar pengangkatan dapat dilihat composition of the Board of Commissioners membership,
pada tabel di bawah ini: period, and basis of appointment is presented in the table below:
1 Januari 2024-19 April 2024
January 1, 2024- April 19, 2024
Nama Jabatan Dasar Pengangkatan Periode Jabatan
Name Position Basis of Appointment Period
Suparno Djasmin Presiden Komisaris Akta Pernyataan Keputusan Para Pemegang 7 April 2022-RUPST 2024 (Ke-4)
President Commissioner Saham No. 41 tanggal 26 April 2022 April 7, 2022- 2024 AGMS (4th)
Deed of Shareholders' Resolution No. 41
dated April 26, 2022
R. Nunu Soetjahja Komisaris Independen Akta Pernyataan Keputusan Para Pemegang 7 April 2022-RUPST 2024 (Ke-2)
Noegroho Independent Commissioner Saham No. 41 tanggal 26 April 2022 April 7, 2022- 2024 AGMS (2nd)
Deed of Shareholders' Resolution No. 41
dated April 26, 2022
Johannes Loman Komisaris Akta Pernyataan Keputusan Para Pemegang 7 April 2022-RUPST 2024 (Ke-9)
Commissioner Saham No. 41 tanggal 26 April 2022 April 7, 2022- 2024 AGMS (9th)
Deed of Shareholders' Resolution No. 41
dated April 26, 2022
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19 April 2024-31 Desember 2024
April 19, 2024-December 31, 2024
Nama Jabatan Dasar Pengangkatan Periode Jabatan
Name Position Basis of Appointment Period
Suparno Djasmin Presiden Komisaris Akta Pernyataan Keputusan Para Pemegang 19 April 2024-RUPST
President Commissioner Saham No. 01 tanggal 2 Mei 2024 2026 (Ke-5)
Deed of Resolutions of Shareholders No. 01 April 19, 2024- 2026
dated May 2, 2024 AGMS (5th)
R. Nunu Soetjahja Komisaris Independen Akta Pernyataan Keputusan Para Pemegang 19 April 2024-RUPST
Noegroho Independent Commissioner Saham No. 01 tanggal 2 Mei 2024 2026 (Ke-3)
Deed of Resolutions of Shareholders No. 01 April 19, 2024- 2026
dated May 2, 2024 AGMS (3rd)
Gede Harja Wasistha Komisaris Independen Akta Pernyataan KeputusanPara Pemegang 19 April 2024-
Independent Commissioner Saham No. 01 tanggal 2 Mei 2024 RUPST 2026 (Ke-1)
Deed of Resolutions of Shareholders No. 01 April 19, 2024- 2026
dated May 2, 2024 AGMS (1st)
Thomas Junaidi Alim Komisaris Akta Pernyataan Keputusan Para Pemegang 19 April 2024-
Wijaya Commissioner Saham No. 01 tanggal 2 Mei 2024 RUPST 2026 (Ke-1)
Deed of Resolutions of Shareholders No. 01 April 19, 2024- 2026
dated May 2, 2024 AGMS (1st)
Penilaian Uji Kemampuan dan Kepatutan Dewan Fit and Proper Test Assessment of the Board of
Komisaris Commissioners
Sebagai perusahaan pembiayaan yang menjalankan As a finance company that conducts business activities in
kegiatan usaha di sektor industri keuangan, Perseroan the financial industry sector, the Company ensures that all
memastikan seluruh anggota Dewan Komisaris yang members of the Board of Commissioners have met all the
menjabat telah memenuhi seluruh persyaratan dan telah requirements and have passed the fit and proper test held
lulus uji kemampuan dan kepatutan (fit and proper test) yang by FSA, as a prerequisite for formal management positions.
diselenggarakan oleh OJK, sebagai prasyarat berlakunya
jabatan kepengurusan secara formal.
Penunjukan Dewan Komisaris Perseroan telah dilakukan The appointment of the Company's Board of Commissioners
sesuai dengan POJK No. 33/POJK.04/2014 tentang Direksi has been conducted in accordance with POJK No. 33/
dan Komisaris Emiten atau Perusahaan Publik, dan Peraturan POJK.04/2014 concerning Directors and Commissioners
OJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan of Issuers or Public Companies, and FSA Regulation No.
dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan. 27/POJK.03/2016 concerning Fit and Proper Assessment
for Main Parties of Financial Services Institutions.
Berikut ini adalah keterangan terkait penilaian kemampuan The following is information regarding the fit and proper
dan kepatutan (fit and proper test) Dewan Komisaris Perseroan: test of the Company's Board of Commissioners:
Nama Jabatan Tanggal Persetujuan dari OJK
Name Position Date of Approval from FSA
Suparno Djasmin Presiden Komisaris 27 April 2016
President Commissioner April 27, 2016
R. Nunu Soetjahja Noegroho Komisaris Independen 23 Desember 2021
Independent Commissioner December 23, 2021
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Nama Jabatan Tanggal Persetujuan dari OJK
Name Position Date of Approval from FSA
Gede Harja Wasistha Komisaris Independen 23 September 2024
Independent Commissioner September 23, 2024
Thomas Junaidi Alim Wijaya Komisaris 26 September 2024
Commissioner September 26, 2024
Rangkap Jabatan Dewan Komisaris Concurrent Position of the Board of Commissioners
Dalam rangka mengoptimalkan peran Dewan Komisaris To optimize the role of the Board of Commissioners as
sebagai organ pengawas kerja Direksi yang krusial dalam a supervisory governing body of the Board of Directors
proses pencapaian target dan tujuan perusahaan, maka that is crucial in the process of achieving the company's
Perseroan telah mengatur secara jelas ketentuan rangkap targets and objectives, the Company has clearly regulated
jabatan bagi anggota Dewan Komisaris agar tercipta the provisions of concurrent positions for members of
komposisi Dewan Komisaris yang ideal untuk menjalankan the Board of Commissioners in order to create an ideal
fungsi check and balance. Mengacu pada Piagam Dewan composition of the Board of Commissioners to carry out
Komisaris, ketentuan rangkap jabatan Dewan Komisaris the check and balance function. Referring to the Board of
Perseroan pada Emiten atau Perusahaan Publik adalah Commissioners Charter, the provisions concurrent positions
sebagai berikut: of the Company's Board of Commissioners in Issuers or
Public Company is as follows:
1. Komisaris hanya dapat menjabat sebagai Direktur 1. Commissioners may only serve as Director in a maximum
sebanyak-banyaknya pada 2 (dua) Emiten dan/atau of 2 (two) Issuers and/or other Public Companies.
Perusahaan Publik lain.
2. Komisaris hanya dapat menjabat sebagai Komisaris 2. Commissioners may only serve as Commissioners
sebanyak-banyaknya pada 2 (dua) Emiten dan/atau in a maximum of 2 (two) Issuers and/or other Public
Perusahaan Publik lain (selain Perseroan). Companies (other than the Company).
Dalam hal Komisaris Perseroan tidak memiliki rangkap In the event that the Commissioner of the Company does not
jabatan sebagai Direktur pada Emiten dan/atau Perusahaan hold concurrent positions as Director in other Issuers and/or
Publik lain, maka Komisaris yang bersangkutan dapat Public Companies, the Commissioner concerned may hold
merangkap jabatan sebanyak-banyaknya pada 4 (empat) up to 4 (four) concurrent positions in Issuers and/or Public
Emiten dan/atau Perusahaan Publik (selain jabatannya pada Companies (in addition to his/her position in the Company).
Perseroan).
Anggota Dewan Komisaris dapat menjabat sebagai anggota Members of the Board of Commissioners may serve as
Komite sebanyak-banyaknya pada 5 (lima) Emiten dan/atau Committee members in a maximum of 5 (five) Issuers and/or
Perusahaan Publik (termasuk jabatannya pada Perseroan). Public Companies (including their positions in the Company).
Kebijakan mengenai rangkap jabatan Dewan Komisaris The policy regarding concurrent positions of the Company's
Perseroan juga telah diselaraskan dengan ketentuan POJK Board of Commissioners has also been harmonized with
No. 30/POJK.05/2014 jo. POJK No. 29/POJK.05/2020 the provisions of POJK No. 30/POJK.05/2014 in conjunction
tentang Tata Kelola Perusahaan yang Baik Bagi Perusahaan with POJK No. 29/POJK.05/2020 regarding Good Corporate
Pembiayaan, yaitu sebagai berikut: Governance for Financing Companies, as follows:
1. Anggota Dewan Komisaris dilarang melakukan rangkap 1. Members of the Board of Commissioners are prohibited
jabatan sebagai Anggota Dewan Komisaris pada lebih from holding concurrent positions as Members of the
dari 3 (perusahaan pembiayaan yang lain). Board of Commissioners in more than 3 (other finance
companies).
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2. Tidak termasuk rangkap jabatan jika: 2. It does not include concurrent positions if:
a. Anggota Dewan Komisaris non-independen a. Non-independent members of the Board of
menjalankan tugas fungsional dari pemegang saham; Commissioners perform functional duties from
dan/atau shareholders; and/or
b. Anggota Dewan Komisaris menduduki jabatan pada b. Members of the Board of Commissioners hold
organisasi atau Lembaga nirlaba. Sepanjang yang positions in non-profit organizations or institutions.
bersangkutan tidak mengabaikan pelaksanaan It is allowed, as long as the person concerned
tugas dan tanggung jawab sebagai anggota Dewan does not neglect the implementation of duties
Komisaris di Perseroan. and responsibilities as a member of the Board of
Commissioners in the Company.
Informasi mengenai rangkap jabatan Dewan Komisaris Information regarding concurrent positions of the Company's
Perseroan per 31 Desember 2024, adalah sebagai berikut: Board of Commissioners as of December 31, 2024, is
as follows:
Nama Jabatan Rangkap Jabatan Nama Perusahaan Bidang Usaha
Name Position Concurrent Position Company Name Line of Business
Suparno Djasmin Presiden Komisaris Direktur PT Astra International Tbk Holding Company (Astra
President Director Group)
Commissioners
Presiden Direktur PT Sedaya Multi Investama Perusahaan Perdagangan
President Director Trading Company
Presiden Komisaris PT Asuransi Astra Buana Perusahaan Asuransi
President Commissioners Insurance Company
Presiden Komisaris PT Matra Graha Sarana Perusahaan Real Estat
President Commissioners Real Estate Company
Presiden Komisaris PT Asuransi Jiwa Astra Perusahaan Asuransi
President Commissioners Insurance Company
Presiden Komisaris PT Astra Integrasi Digital Perusahaan Jasa Informasi
President Commissioners Information Services
Company
Presiden Komisaris PT Astra Auto Digital Perusahaan Jasa Informasi
President Commissioners Information Services
Company
Presiden Komisaris PT Bank Jasa Jakarta Perbankan
President Commissioners Banking
Anggota Komite Nominasi PT Federal International Perusahaan Pembiayaan
dan Remunerasi Finance Finance Company
Member of Nomination and
Remuneration Committee
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Nama Jabatan Rangkap Jabatan Nama Perusahaan Bidang Usaha
Name Position Concurrent Position Company Name Line of Business
R. Nunu Soetjahja Komisaris Ketua Komite Pemantau PT Federal International Perusahaan Pembiayaan
Noegroho Independen Risiko Finance Finance Company
Independent Chairperson of the Risk
Commissioners Monitoring Committee
Ketua Komite Nominasi PT Federal International Perusahaan Pembiayaan
dan Remunerasi Finance Finance Company
Chairperson of Nomination
and Remuneration
Committee
Anggota Komite Audit PT Toyota Astra Financial Perusahaan Pembiayaan
Member of the Audit Services Finance Company
Committee
Anggota Komite Pemantau PT Toyota Astra Financial Perusahaan Pembiayaan
Risiko Services Finance Company
Member of the Risk
Monitoring Committee
Gede Harja Wasistha Komisaris Ketua Komite Audit PT Federal International Perusahaan Pembiayaan
Independen Chairperson of the Audit Finance Finance Company
Independent Committee
Commissioners
Anggota Komite Audit dan PT Indo Tambangraya Perusahaan
Komite Pemantau Risiko Megah Tbk Pertambangan
Member of the Risk Mining Company
Monitoring Committee
Anggota Komite Audit dan PT Asuransi Astra Buana Perusahaan Asuransi
Komite Pemantau Risiko Umum
Member of the Risk General Insurance
Monitoring Committee Company
Thomas Junaidi Alim Komisaris Komisaris PT Astra Digital Arta Perusahaan Uang
Wijaya Commissioners Commissioners Elektronik
Electronic Money
Company
Komisaris PT Musashi Auto Parts Perusahaan Manufaktur
Commissioners Indonesia Manufacturing Company
Komisaris PT Hitachi Astemo Bekasi Perusahaan Otomotif
Commissioners Manufacturing Automotive Company
Presiden Komisaris PT Suryaraya Rubberindo Perusahaan Otomotif
President Commissioners Industries Automotive Company
Executive Vice President PT Astra Honda Motor Perusahaan Otomotif
Director Automotive Company
Komisaris PT Astra Auto Digital Perusahaan Jasa Informasi
Commissioners Information Services
Company
Komisaris PT Astra Integrasi Digital Perusahaan Jasa Informasi
Commissioners Information Services
Company
Komisaris PT Astra Otoparts Tbk Perusahaan Komponen
Commissioners Otomotif
Automotive Parts
Company
Direktur PT Astra International Tbk Holding Company (Astra
Director Group)
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Transparansi Kepemilikan Saham Dewan Komisaris Board of Commissioners Share Ownership
Transparency
Dewan Komisaris berkewajiban untuk mengungkapkan The Board of Commissioners is obliged to disclose
informasi terkait kepemilikan sahamnya di Perseroan dan information related to its share ownership in the Company
melaporkannya dalam laporan penerapan GCG, dengan and report it in the GCG implementation report, with the
ketentuan sebagai berikut: following provisions:
1. Kepemilikan saham yang mencapai 50% (lima puluh 1. Share ownership that reaches 50% (fifty percent) or
persen) atau lebih pada Perseroan atau pada perusahaan more in the Company or in other companies domiciled
lain yang berkedudukan di dalam dan di luar negeri; at home and abroad;
2. Hubungan keuangan dan hubungan keluarga dengan 2. Financial and family relationships with other members
anggota Dewan Komisaris lain, anggota Direksi, of the Board of Commissioners, members of the Board
anggota Dewan Pengawas Syariah dan/atau pemegang of Directors, members of the Sharia Supervisory Board
saham Perseroan. and/or shareholders of the Company.
Berikut ini adalah pengungkapan informasi terkait The following is the disclosure of information related to the
kepemilikan saham masing-masing Dewan Komisaris baik share ownership of each Board of Commissioners both in
di Perseroan maupun di perusahaan lainnya sebagaimana the Company and in other companies as presented in the
dapat dilihat pada tabel di bawah ini: table below:
Kepemilikan Saham
Nama Jabatan Share Ownership
Name Position Perseroan
Company
Suparno Djasmin Presiden Komisaris Tidak ada
President Commissioner None
R. Nunu Soetjahja Noegroho Komisaris Independen Tidak ada
Independent Commissioner None
Gede Harja Wasistha Komisaris Independen Tidak ada
Independent Commissioner None
Thomas Junaidi Alim Wijaya Komisaris Tidak ada
Commissioner None
Kebijakan Pemberian Pinjaman bagi Dewan Lending Policy for the Board of Commissioners
Komisaris
Perseroan memiliki kebijakan pemberian pinjaman bagi The Company has a lending policy for the Board of
Dewan Komisaris yang implementasinya dilandaskan pada Commissioners, the implementation of which is based on
prinsip arm’s length basis. Dengan mengedepankan prinsip the arm's length basis principle. By prioritizing the principle of
kesetaraan bagi semua pemangku kepentingan, Perseroan equality for all stakeholders, the Company ensures that the
memastikan prosedur pemberian pinjaman kepada Dewan procedure for granting loans to the Board of Commissioners
Komisaris dilakukan sesuai dengan kebijakan harga dan is carried out in accordance with normal pricing policies
syarat normal, sebagaimana yang diberlakukan terhadap and terms, as applied to other parties that are not related
pihak lain yang tidak berelasi dengan Perseroan. to the Company.
Independensi Dewan Komisaris Independence of the Board of Commissioners
Dalam melaksanakan tugas dan tanggung jawabnya, seluruh In performing their duties and responsibilities, all members
anggota Dewan Komisaris senantiasa bertindak secara of the Board of Commissioners always act independently
independen dan terbebas dari segala bentuk benturan and are free from any form of conflict of interest that may
kepentingan yang dapat mengganggu objektivitas dalam interfere with objectivity in providing views or supervision
memberikan pandangan atau pengawasan serta pemberian and providing advice to the Board of Directors.
nasihat kepada Direksi.
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Rapat Dewan Komisaris Board of Commissioners Meeting
Kebijakan Rapat Meeting Policy
Pelaksanaan rapat Dewan Komisaris dilakukan secara The implementation of the Board of Commissioners meeting
periodik sekurang-kurangnya 1 (satu) kali setiap is done periodically at least 1 (one) time every 2 (two) months.
2 (dua) bulan. Dalam kondisi tertentu, rapat Dewan Komisaris However, the Board of Commissioners meeting can still be
tetap dapat dilaksanakan sewaktu-waktu apabila memenuhi held at any time if it meets the following conditions:
ketentuan sebagai berikut:
1. Setiap saat kapanpun dirasa perlu oleh 1 (satu) atau lebih 1. At any time whenever deemed necessary by 1 (one) or
anggota Dewan Komisaris; more members of the Board of Commissioners
2. Berdasarkan permintaan tertulis dari 1 (satu) atau lebih 2. Based on the written request of 1 (one) or more members
anggota Direksi atau berdasarkan permintaan 1 (satu) of the Board of Directors or based on the request of 1
pemegang saham atau lebih yang mewakili sekurang- (one) or more shareholders representing at least 1/10
kurangnya 1/10 (satu per sepuluh) jumlah seluruh saham (one-tenth) of the total shares with voting rights together;
dengan hak suara bersama-sama; dan and
3. Setiap anggota Dewan Komisaris wajib hadir dalam 3. Each member of the Board of Commissioners must
rapat sekurang-kurangnya 75% (tujuh puluh lima persen) attend at least 75% (seventy-five percent) of all internal
dari jumlah seluruh rapat internal dalam jangka waktu meetings within 1 (one) year.
1 (satu) tahun.
Tingkat Kehadiran Anggota Dewan Komisaris Attendance Rate of Members of the Board of
dalam Rapat Commissioners in Meetings
Per 31 Desember 2024, Dewan Komisaris telah As of December 31, 2024, the Board of Commissioners has
menyelenggarakan 6 (enam) kali rapat yang turut held 6 (six) meetings which also invited the of the Board
mengundang kehadiran Direksi dengan rincian agenda of Directors attendance with details of the agenda and
dan tingkat kehadiran sebagai berikut: attendance rate as follows:
Nama Jabatan Jumlah Pertemuan Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Attendance Attendance Rate (%)
Suparno Djasmin Presiden Komisaris 6 6 100%
President Commissioner
R. Nunu Soetjahja Komisaris Independen 6 6 100%
Noegroho Independent Commissioner
Gede Harja Wasistha** Komisaris Independen 2 2 100%
Independent Commissioner
Thomas Junaidi Alim Komisaris 2 2 100%
Wijaya* Commissioner
*) Diangkat sebagai anggota Dewan Komisaris Perseroan pada 19 April 2024 dan efektif menjabat setelah dinyatakan lulus uji penilaian kemampuan dan kepatutan dari OJK per
26 September 2024.
**) Diangkat sebagai anggota Dewan Komisaris Perseroan pada 19 April 2024 dan efektif menjabat setelah dinyatakan lulus uji penilaian kemampuan dan kepatutan dari OJK per
23 September 2024.
*) Appointed as a member of the Board of Commissioners of the Company on April 19, 2024 and effectively served after passing the fit and proper test from FSA as of
September 26, 2024.
**) Appointed as a member of the Board of Commissioners of the Company on April 19, 2024 and effectively served after passing the fit and proper test from FSA as of
September 23, 2024.
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Tata Kelola Perusahaan
Corporate Governance
Agenda Rapat Dewan Komisaris Board of Commissioners Meeting Agenda
Berikut ini adalah topik-topik prioritas yang menjadi agenda The following are the priority topics on the agenda for the
pembahasan dalam Rapat Dewan Komisaris selama 2024: Board of Commissioners Meeting during 2024:
Tanggal Agenda
Date Agenda
16 Februari 2024 Pembahasan kinerja dan pemantauan atas pelaksanaan manajemen risiko, tata kelola, dan tingkat
February 16, 2024 kesehatan periode Kuartal 4-Semester 2 2023.
Discussion of performance and monitoring of the implementation of risk management, governance,
and soundness for the period Quarter 4-Semester 2 2023.
29 April 2024 Pembahasan kinerja periode Kuartal 1 2024.
April 29, 2024 Discussion of performance for the first quarter of 2024.
26 Juni 2024 Pembahasan Implementasi GCG Semester 1 2024, pemantauan atas pelaksanaan APU PPT dan
June 26, 2024 PPPSPM, Internal Audit, Anti Fraud, dan Perlindungan Konsumen.
Discussion of GCG Implementation Semester 1 2024, monitoring the implementation of AML/CFT and
CPF, Internal Audit, Anti Fraud, and Consumer Protection.
31 Juli 2024 Pembahasan kinerja periode Kuartal 2 2024.
July 31, 2024 Discussion of performance for Quarter 2 2024.
28 Oktober 2024 Pembahasan kinerja periode Kuartal 3 2024.
October 28, 2024 Discussion of performance for Quarter 3 period 2024.
18 Desember 2024 Pembahasan Rencana Kinerja Tahun 2025 serta pemantauan atas pelaksanaan APU PPT dan
December 18, 2024 PPPSPM, Internal Audit, Anti Fraud dan Perlindungan Konsumen Semester 2 2024.
Discussion of the 2025 Performance Plan and monitoring of the implementation of AML/CFT and CPF,
Internal Audit, Anti Fraud and Consumer Protection Semester 2 2024.
Rapat Gabungan Dewan Komisaris dan Direksi Board of Commissioners and Board of Directors
Joint Meetings
Kebijakan Rapat Meeting Policy
Dalam rangka memperkuat koordinasi kerja antara To enhance coordination of work between the Board of
Dewan Komisaris dan Direksi, Dewan Komisaris secara Commissioners and the Board of Directors, the Board of
berkala menyelenggarakan rapat bersama Direksi paling Commissioners periodically holds joint meetings with the
kurang 1 (satu) kali setiap 4 (empat) bulan. Pelaksanaan Board of Directors at least once every four months. The
rapat gabungan ini bertujuan untuk memastikan bahwa implementation of these joint meetings aims to ensure
mekanisme check and balance di Perseroan telah berjalan that the check and balance mechanism in the Company
dengan baik sesuai fungsi masing-masing organ. is functioning properly according to the functions of each
governing body.
Tingkat Kehadiran Anggota Dewan Komisaris dan Board of Commissioners and Board of Directors
Direksi dalam Rapat Joint Meeting Attendance
Pada tahun 2024, Perseroan telah melaksanakan 6 (enam) In 2024, the Company has held 6 (six) joint meetings of the
kali rapat gabungan Dewan Komisaris dan Direksi dengan Board of Commissioners and Directors with the following
uraian tingkat kehadiran sebagai berikut: attendance details:
Nama Jabatan Jumlah Pertemuan Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Attendance Attendance Rate (%)
Suparno Djasmin Presiden Komisaris 6 6 100%
President Commissioner
R. Nunu Soetjahja Komisaris Independen 6 6 100%
Noegroho Independent Commissioner
Gede Harja Wasistha** Komisaris Independen 2 2 100%
Independent Commissioner
Thomas Junaidi Alim Komisaris 2 2 100%
Wijaya*** Commissioner
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Nama Jabatan Jumlah Pertemuan Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Attendance Attendance Rate (%)
Siswadi* Presiden Direktur 3 3 100%
President Drector
Indra Gunawan Direktur 6 6 100%
Director
Setia Budi Direktur 6 6 100%
Director
Sri Harjati Direktur 6 6 100%
Director
Valentina Chai Wei Li Direktur 6 6 100%
Director
Daniel Hartono Direktur 6 6 100%
Director
*) Beliau diangkat sebagai anggota Dewan Komisaris Perseroan pada 19 April 2024 dan efektif menjabat setelah dinyatakan lulus uji penilaian kemampuan dan kepatutan dari
OJK per 19 Juli 2024 (Bpk Siswadi).
**) Beliau diangkat sebagai anggota Dewan Komisaris Perseroan pada 19 April 2024 dan efektif menjabat setelah dinyatakan lulus uji penilaian kemampuan dan kepatutan dari
OJK per 23 September 2024 (Bpk Gede Harja Wasistha).
***) Beliau diangkat sebagai anggota Dewan Komisaris Perseroan pada 19 April 2024 dan efektif menjabat setelah dinyatakan lulus uji penilaian kemampuan dan kepatutan dari
OJK per 26 September 2024 (Bpk Thomas Junaidi Alim Wijaya).
*) He was appointed as a member of the Company's Board of Commissioners on April 19, 2024, and effectively served after passing the fit and proper test by the FSA on
July 19, 2024 (Mr. Siswadi).
**) He was appointed as a member of the Company's Board of Commissioners on April 19, 2024, and effectively served after passing the fit and proper test by the FSA on
September 23, 2024 (Mr. Gede Harja Wasistha).
***) He was appointed as a member of the Company's Board of Commissioners on April 19, 2024, and effectively served after passing the fit and proper test by the FSA on
September 26, 2024 (Mr. Thomas Junaidi Alim Wijaya).
Program Pelatihan dan Peningkatan Kompetensi Board of Commissioners’ Training and
Dewan Komisaris Tahun 2024 Competency Improvement Program in 2024
Dalam rangka meningkatkan efektivitas pelaksanaan To improve the effectiveness of the work of the Board
kerja Dewan Komisaris, Perseroan mendorong partisipasi of Commissioners, the Company encourages the active
aktif setiap Komisaris untuk menyelenggarakan program participation of each Commissioner to organize competency
pengembangan kompetensi dalam berbagai jenis pelatihan/ development programs in various types of training/seminars/
seminar/workshop, baik yang diselenggarakan oleh internal workshops, whether organized by the Company internally
perusahaan atau yang diselenggarakan oleh pihak eksternal. or by external parties.
Sepanjang tahun 2024, anggota Dewan Komisaris Perseroan Throughout 2024, members of the Company's Board of
telah mengikuti program pelatihan dan pengembangan Commissioners have participated in the following training
kompetensi sebagai berikut: and competency development programs:
Nama Jabatan Jenis Pelatihan Tanggal Pelaksanaan Penyelenggara
Name Position Type of Training Date of Implementation Organizer
Suparno Djasmin Presiden Komisaris Seminar Nasional "Tantangan 30 Januari 2024 APPI
President Commissioner Pembiayaan Tahun 2024" January 30, 2024
National Seminar entitled
“Financing Challenges in 2024”
R. Nunu Soetjahja Komisaris Independen Seminar Nasional "Tantangan 30 Januari 2024 APPI
Noegroho Independent Pembiayaan Tahun 2024" January 30, 2024
Commissioner National Seminar entitled
“Financing Challenges in 2024”
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Tata Kelola Perusahaan
Corporate Governance
Nama Jabatan Jenis Pelatihan Tanggal Pelaksanaan Penyelenggara
Name Position Type of Training Date of Implementation Organizer
Gede Harja Wasistha* Komisaris Independen - - -
Independent
Commissioner
Thomas Junaidi Alim Komisaris - - -
Wijaya* Commissioner
*) Mulai diwajibkan pada tahun berikutnya setelah dinyatakan lulus uji kelayakan dan kepatutan dari Otoritas Jasa Keuangan.
*) Will become mandatory in the following year after passing the fit and proper test from the Financial Services Authority.
Sertifikasi Tingkat Dasar di Bidang Pembiayaan Basic Level Certification in Financing for the
bagi Dewan Komisaris Board of Commissioners
Selain mengikuti program pengembangan kompetensi In addition to participating in sustainable competency
yang berkelanjutan, seluruh anggota Dewan Komisaris development programs, all members of the Company’s
Perseroan juga mengikuti program sertifikasi profesi Board of Commissioners also undertake professional
sebagaimana dimuat pada POJK No. 35/POJK.05/2018 certification programs as stipulated in POJK No. 35/
tentang Penyelenggaraan Usaha Perusahaan Pembiayaan. POJK.05/2018 concerning the Implementation of Financing
Terkait hal ini, Perseroan menyampaikan bahwa seluruh Company Business Activities. In this regard, the Company
anggota Dewan Komisaris telah memiliki sertifikat tingkat confirms that all members of the Board of Commissioners
dasar di bidang pembiayaan dari lembaga yang ditunjuk have obtained a basic-level certification in financing
oleh asosiasi, dengan uraian sebagai berikut: from institutions appointed by the association, with the
following details:
Nama Jabatan Sertifikasi Penyelenggara
Name Position Certification Organizer
Suparno Djasmin Presiden Komisaris 27 Juli 2016 SPPI
President Commissioner July 27, 2016
R. Nunu Soetjahja Noegroho Komisaris Independen 24 Oktober 2018 SPPI
Independent Commissioner October 24, 2018
Gede Harja Wasistha Komisaris Independen 25 Juni 2021 SPPI
Independent Commissioner June 25, 2021
Thomas Junaidi Alim Wijaya Komisaris 4 Juli 2024 SPPI
Commissioner July 4, 2024
Laporan Pelaksanaan Tugas Dewan Komisaris Report on the Implementation of Board of
Tahun 2024 Commissioners Duties in 2024
Sepanjang tahun 2024, Dewan Komisaris telah Throughout 2024, the Board of Commissioners has
melaksanakan tugas dan tanggung jawabnya dengan uraian completed its duties and responsibilities as described below:
sebagai berikut:
1. Memberikan masukan dan rekomendasi atas rencana 1. Providing input and recommendations on the Company's
strategis Perseroan (termasuk rencana kerja tahunan) strategic plans (including annual work plans) submitted
yang diajukan Direksi; by the Board of Directors;
2. Mengawasi pelaksanaan prinsip-prinsip Tata Kelola 2. O v e r s e e i n g t h e i m p l e m e n t a t i o n o f G o o d
Perusahaan yang Baik dalam aktivitas bisnis Perseroan; Corporate Governance principles in the Company's
business activities;
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3. Mengawasi dan menasehati Direksi Perseroan 3. Monitoring and advising the Company's Board of
mengenai risiko bisnis dan upaya manajemen atas Directors on business risks and management efforts
pengendalian internal; for internal control;
4. Memberikan pertimbangan setiap keputusan Direksi 4. Considering any decisions by the Board of Directors
yang membutuhkan persetujuan Dewan Komisaris requiring the Board of Commissioners’ approval based
berdasarkan ketentuan Anggaran Dasar; on the provisions of the Articles of Association;
5. Memberikan laporan tugas pengawasan pada Laporan 5. Providing oversight task reports in the Annual Report
Tahunan (termasuk Laporan Tata Kelola Perusahaan (including the Good Corporate Governance Report) and
yang Baik) dan untuk menilai serta menyetujui assessing and approving the Annual Report;
Laporan Tahunan;
6. Untuk memberikan persetujuan dalam hal Dewan 6. Granting approval when the Sharia Supervisory Board
Pengawas Syariah memerlukan bantuan anggota komite requires assistance from committee members whose
yang struktur organisasinya berada di bawah Dewan organizational structure falls under the Board of
Komisaris; dan Commissioners; and
7. Memastikan bahwa Direksi Perseroan telah 7. Ensuring that the Company's Board of Directors
menindaklanjuti temuan audit dan memberikan has followed up on audit findings and providing
rekomendasi kepada satuan kerja audit internal recommendations to the Company's internal audit work
Perseroan, auditor eksternal, hasil pengawasan OJK unit, external auditors, FSA oversight results, and/or
dan/atau hasil pengawasan otoritas lain. results of other authorities’ oversight.
Penilaian Kinerja Komite di Bawah Dewan Performance Assessment of the Committee Under
Komisaris Tahun 2024 the Board of Commissioners in 2024
Hasil Penilaian Results of the Assessment
1. Komite Audit 1. Audit Committee
Selama tahun 2024, Komite Audit telah secara aktif During 2024, the Audit Committee has actively assisted
membantu Dewan Komisaris dalam menjalankan the Board of Commissioners in carrying out its monitoring
fungsi pengawasan dan memberikan rekomendasi function and providing useful recommendations on
yang bermanfaat atas setiap temuan audit internal each internal audit finding and problem faced by the
dan permasalahan yang dihadapi Perseroan, baik Company, both in terms of compliance with regulations in
dari sisi kepatuhan terhadap regulasi di bidang usaha the financing business sector and operational problems
pembiayaan ataupun permasalahan operasional di in the field.
lapangan.
Dewan Komisaris juga menilai Komite Audit telah The Board of Commissioners also considers that
berkontribusi dalam memberikan masukan perbaikan the Audit Committee has contributed to providing
terkait dengan pengungkapan informasi keuangan, improvement input related to the disclosure of
sistem pengendalian internal, serta efektivitas financial information, internal control systems, and the
pemeriksaan oleh internal dan auditor eksternal. Selain effectiveness of internal and external audits. In addition,
itu, Dewan Komisaris juga berpendapat seluruh anggota the Board of Commissioners is also of the opinion that
Komite Audit telah menunjukkan partisipasi aktif dalam all members of the Audit Committee have shown active
mengikuti semua rapat yang telah diagendakan termasuk participation in attending all meetings that have been
rapat bersama Dewan Komisaris di tahun 2024. scheduled, including the joint meeting with the Board
of Commissioners in 2024.
Uraian lengkap mengenai pelaksanaan rapat Komite A full description of the Audit Committee meetings and a
Audit dan laporan singkat pelaksanaan tugas serta brief report on the duties and responsibilities carried out
tanggung jawab yang telah dilakukan selama tahun during the 2024 reporting year are presented separately
pelaporan 2024 disampaikan terpisah di dalam Laporan in this Annual Report.
Tahunan ini.
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Tata Kelola Perusahaan
Corporate Governance
2. Komite Nominasi dan Remunerasi 2. Nomination and Remuneration Committee
Sepanjang tahun 2024, Komite Nominasi dan Throughout 2024, the Nomination and Remuneration
Remunerasi telah membantu Dewan Komisaris dalam Committee has assisted the Board of Commissioners in
memberikan rekomendasi terkait penentuan kandidat providing recommendations regarding the determination
calon anggota Dewan Komisaris dan Direksi yang baru, of candidates for the new Board of Commissioners
serta membantu merumuskan besaran remunerasi atau and Directors, as well as helping to formulate the
honorarium yang sesuai bagi Dewan Komisaris dan appropriate amount of remuneration or honorarium for
Direksi. Dewan Komisaris juga mengapresiasi komitmen the Board of Commissioners and Directors. The Board
anggota Komite Nominasi dan Remunerasi yang telah of Commissioners also appreciates the commitment
menunjukkan partisipasi aktif dalam mengikuti semua of the members of the Nomination and Remuneration
rapat yang telah diagendakan termasuk rapat bersama Committee who have shown active participation in
Dewan Komisaris di tahun 2024. attending meetings that have been scheduled, including
joint meetings with the Board of Commissioners in 2024.
Uraian lengkap mengenai pelaksanaan rapat Komite A full description of the Nomination and Remuneration
Nominasi dan Remunerasi dan laporan singkat Committee meetings and a brief report on the duties and
pelaksanaan tugas serta tanggung jawab yang telah responsibilities carried out during the 2024 reporting
dilakukan selama tahun pelaporan 2024 disampaikan year are presented separately in this Annual Report.
terpisah di dalam Laporan Tahunan ini.
3. Komite Pemantau Risiko 3. Risk Monitoring Committee
Sepanjang tahun 2024, Komite Pemantau Risiko Throughout 2024, the Risk Monitoring Committee has
telah membantu Dewan Komisaris dalam mengawasi been assisting the Board of Commissioners in overseeing
implementasi fungsi manajemen risiko di Perseroan the implementation of the risk management function in
khususnya dalam memastikan terselenggaranya prinsip the Company, especially in ensuring the implementation
GCG pada semua aspek bisnis dan tersedianya sistem of GCG principles in all aspects of the business and the
manajemen risiko yang memadai. Disamping itu, Komite availability of an adequate risk management system. In
Pemantau Risiko juga telah menunjukkan partisipasi aktif addition, the Risk Monitoring Committee has also shown
dalam mengikuti semua rapat yang telah diagendakan active participation in attending all scheduled meetings
termasuk rapat bersama Dewan Komisaris di tahun 2024. including meetings with the Board of Commissioners
in 2024.
Uraian lengkap mengenai pelaksanaan rapat Komite A full description of the Risk Monitoring Committee's
Pemantau Risiko dan laporan singkat pelaksanaan tugas meetings and a brief report on the duties and
serta tanggung jawab yang telah dilakukan selama tahun responsibilities completed during the 2024 reporting
pelaporan 2024 disampaikan terpisah di dalam Laporan year are presented separately in this Annual Report.
Tahunan ini.
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Komisaris Independen
Independent Commissioner
Komposisi dan Jumlah Komisaris Independen Composition and Number of Independent
Commissioners
Komisaris Independen adalah anggota Dewan Komisaris An Independent Commissioner is a member of the Board
yang tidak memiliki hubungan keuangan, kepengurusan, of Commissioners who has no financial, managerial, share
kepemilikan saham dan/atau hubungan keluarga dengan ownership and/or familial ties with shareholders, members
pemegang saham, anggota Direksi, anggota Dewan of the Board of Directors, other members of the Board of
Komisaris lainnya dan/atau anggota Dewan Pengawas Commissioners and/or members of the Sharia Supervisory
Syariah (DPS). Dengan mengacu pada penjelasan tersebut, Board (DPS). Based on this explanation, the Company
Perseroan memastikan bahwa seluruh Komisaris Independen ensures that all current Independent Commissioners are
yang menjabat saat ini merupakan pihak eksternal yang external parties with the capability to work professionally and
memiliki kemampuan untuk bekerja secara profesional have declared their commitment to performing supervisory
dan menyatakan kesanggupan untuk menjalankan fungsi functions objectively, professionally, and independently, free
pengawasan secara objektif, profesional, dan independen, from any intervention that may create conflicts of interest.
serta terbebas dari intervensi pihak manapun yang
menimbulkan benturan kepentingan.
Per 31 Desember 2024, Perseroan memiliki 2 (dua) As of December 31, 2024, the Company has 2 (two)
orang Komisaris Independen atau sekitar 50% dari total Independent Commissioners, or around 50% of the total
anggota Dewan Komisaris yang berjumlah 4 (empat) members of the Board of Commissioners, which consists
orang. Dengan jumlah tersebut, maka komposisi Komisaris of 4 (four) people. Thus, the composition of the Company's
Independen Perseroan telah memenuhi jumlah minimal Independent Commissioners has met the minimum
Komisaris Independen yang diatur dalam ASEAN Corporate requirement for Independent Commissioners as stipulated
Governance Scorecard, yakni minimal berjumlah 50% dari in the ASEAN Corporate Governance Scorecard, which is
jumlah seluruh anggota Dewan Komisaris. a minimum of 50% of the total number of members of the
Board of Commissioners.
Berikut ini adalah komposisi Komisaris Independen The following is the composition of the Company’s
Perseroan yang menjabat di akhir 2024: Independent Commissioners as of the end of 2024:
Nama Jabatan Dasar Pengangkatan Periode Jabatan
No.
Name Position Legal Basis of Appointment Term of Office
1. R. Nunu Soetjahja Noegroho Komisaris Independen 19 April 2024-RUPST 2026 Ke-3
Independent Commissioner April 19, 2024-AGMS 2026 3rd
2. Gede Harja Wasistha Komisaris Independen 19 April 2024-RUPST 2026 Ke-1
Independent Commissioner April 19, 2024-AGMS 2026 1st
Penunjukan Komisaris Independen Perseroan telah dilakukan The appointment of the Company's Independent
sesuai dengan ketentuan POJK No. 30/POJK.05/2014 jo. Commissioner has been carried out in accordance with the
POJK No. 29/POJK.05/2020 tentang Tata Kelola Perseroan provisions of POJK No. 30/POJK.05/2014 in conjunction with
yang Baik bagi Perusahaan Pembiayaan dan POJK No. 33/ POJK No. 29/POJK.05/2020 concerning Good Corporate
POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten Governance for Financing Companies and POJK No. 33/
atau Perusahaan Publik. POJK.04/2014 concerning the Board of Directors and Board
of Commissioners of Issuers or Public Companies.
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Tata Kelola Perusahaan
Corporate Governance
Masa Jabatan Term of Office
Sesuai dengan ketentuan Piagam Dewan Komisaris, periode According to the provisions of the Board of Commissioners Charter,
menjabat Komisaris Independen Perseroan maksimal adalah the maximum term of office for the Company's Independent
9 (sembilan) tahun atau 2 (dua) periode masa jabatan. Commissioner is 9 (nine) years or 2 (two) terms of office.
Kriteria Penentuan Komisaris Independen Criteria for Determining Independent Commissioners
Komisaris Independen Perseroan telah memenuhi kriteria The Company's Independent Commissioners have met the
atau kualifikasi individual sebagaimana ditentukan di dalam individual criteria or qualifications as stipulated in POJK No. 33/
POJK No. 33/POJK.04/2014 tentang Direksi dan Dewan POJK.04/2014 concerning the Board of Directors and Board
Komisaris Emiten atau Perusahaan Publik, sebagai berikut: of Commissioners of Issuers or Public Companies, as follows:
Komisaris Independen
Kriteria Independensi Independent Commissioner
No.
Indepedency Criteria
R. Nunu Soetjahja Noegroho Gede Harja Wasistha
1. Bukan merupakan orang yang bekerja atau mempunyai
wewenang dan tanggung jawab untuk merencanakan,
memimpin, mengendalikan, atau mengawasi kegiatan Emiten
atau Perusahaan Publik tersebut dalam waktu 6 (enam)
bulan terakhir, kecuali untuk pengangkatan kembali sebagai
Komisaris Independen Emiten atau Perusahaan Publik pada
periode berikutnya.
Not being an individual engaged in or vested with the
authority and responsibility to plan, lead, oversee, or
supervise the activities of the said Issuer or Public Company
within the past 6 (six) months, except for reappointment as
an Independent Commissioner of the said Issuer or Public
Company in the subsequent period.
2. Tidak mempunyai saham baik langsung maupun tidak
langsung pada Emiten atau Perusahaan Publik tersebut.
Not having any direct or indirect shares in the
aforementioned Issuer or Public Company.
3. Tidak mempunyai hubungan afiliasi dengan Emiten atau
Perusahaan Publik, anggota Dewan Komisaris, anggota
Direksi, atau pemegang saham utama Emiten atau
Perusahaan Publik tersebut.
Not affiliated with the Issuer or Public Company, the Board
of Commissioners, Board of Directors members, or majority
shareholders of the Issuer or Public Company.
4. Tidak mempunyai hubungan usaha baik langsung maupun
tidak langsung yang berkaitan dengan kegiatan usaha
Emiten atau Perusahaan Publik tersebut.
The entity in question has no direct or indirect business
relationships associated with the operations of the
aforementioned Issuer or Public Company.
Pernyataan Independensi Komisaris Independen Independence Declaration of Independent
Commissioners
Komisaris Independen Perseroan yakni Bapak R. Nunu The Company's Independent Commissioners, namely Mr.
Soetjahja Noegroho dan Bapak Gede Harja Wasistha R. Nunu Soetjahja Noegroho and Mr. Gede Harja Wasistha,
menyatakan bahwa keduanya tidak mempunyai hubungan declare that they have no affiliation with members of the
afiliasi dengan anggota Direksi, anggota Dewan Komisaris, Board of Directors, members of the Board of Commissioners,
anggota Dewan Pengawas Syariah (DPS) atau pemegang members of the Sharia Supervisory Board (DPS) or shareholders
saham Perseroan serta tidak pernah menjadi anggota of the Company and have never been members of the Board of
Direksi, anggota Dewan Komisaris, anggota DPS atau Directors, members of the Board of Commissioners, member of
menduduki 1 (satu) tingkat di bawah Direksi pada Perseroan the DPS or occupied 1 (one) level below the Board of Directors
atau perusahaan lain yang memiliki hubungan afiliasi dengan at the Company or other companies that have an affiliate
Perseroan dalam kurun waktu sesuai dengan perundang- relationship with the Company within a period according to
undangan yang berlaku. the applicable laws and regulations.
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Direksi
Board of Directors
Direksi adalah organ utama dalam struktur GCG Perseroan The Board of Directors is the main governing body in the
yang bertanggung jawab penuh atas pengelolaan dan Company's GCG structure which is fully responsible for the
pengurusan Perseroan demi tercapainya kepentingan management and administration of the Company in order to
Perseroan, sesuai dengan maksud dan tujuan Perseroan. achieve the Company's interests, in line with the Company's
Direksi juga berperan sebagai pihak yang berwenang intentions and objectives. The Board of Directors also acts
untuk mewakili Perseroan, baik di dalam maupun di luar as the authorized representative of the Company, both in
pengadilan, sesuai dengan ketentuan Anggaran Dasar. and out of court, in accordance with the provisions of the
Articles of Association.
Pedoman Kerja Direksi Board of Directors’ Charter
Dalam menjalankan tugas dan tanggung jawabnya, seluruh In performing their duties and responsibilities, all members
anggota Direksi wajib mengacu pada Piagam Direksi of the Board of Directors must refer to the Board of Directors
tanggal 20 Desember 2017. Penyusunan piagam ini telah Work Guidelines December 20, 2017. The preparation of
disesuaikan dengan ketentuan Anggaran Dasar, Undang- these guidelines has been adjusted to the provisions of the
Undang Perseroan Terbatas, dan peraturan terkait lainnya. Articles of Association, the Limited Liability Company Law,
and other related regulations.
Tugas, Wewenang, dan Tanggung Jawab Duties, Authorities, and Responsibilities
Tugas Direksi Board of Directors Duties
Setiap anggota Direksi wajib melakukan pengurusan Each member of the Board of Directors is obliged to manage
Perseroan dengan penuh itikad baik, bertanggung the Company in good faith, responsibly and prudently in the
jawab dan bijaksana untuk kepentingan Perseroan interests of the Company and to consider the interests of
dan mempertimbangkan kepentingan para pemangku stakeholders. As stipulated in the Board of Directors Work
kepentingan. Sebagaimana ditetapkan dalam Piagam Guidelines and the Company's Articles of Association, the
Direksi dan Anggaran Dasar Perseroan, ruang lingkup scope of the duties and responsibilities of the Board of
tugas dan tanggung jawab Direksi secara kolegial, adalah Directors collegially, are as follows:
sebagai berikut:
1. Menyusun visi, misi, dan nilai Perseroan serta rencana 1. Compiling the Company's vision, mission, and values as
strategis dalam bentuk rencana korporasi (corporate well as strategic plans in the form of a corporate plan
plan) dan rencana bisnis (business plan); and a business plan;
2. Menetapkan struktur organisasi Perseroan (termasuk 2. Determining the Company's organizational structure
fungsi kepatuhan), lengkap dengan rincian tugas setiap (including the compliance function), complete with details
divisi dan unit usaha; of the duties of each division and business unit;
3. Mengendalikan dan mengembangkan sumber daya yang 3. Controlling and developing the Company's resources
dimiliki Perseroan secara efektif dan efisien; effectively and efficiently;
4. Membentuk sistem pengendalian internal dan 4. Establishing the Company's internal control and risk
manajemen risiko Perseroan; management systems;
5. Melaksanakan tanggung jawab sosial dan lingkungan 5. Completing the Company's social and environmental
Perseroan; responsibilities;
6. Memelihara daftar pemegang saham dan daftar 6. Maintaining the Company's list of shareholders and list
pemegang saham khusus Perseroan; of special shareholders;
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Tata Kelola Perusahaan
Corporate Governance
7. Menyusun dan menyediakan laporan keuangan dan 7. Preparing and providing the Company's financial reports
laporan tahunan Perseroan; and annual reports;
8. Menyelenggarakan RUPS Tahunan dan Luar Biasa sesuai 8. Organizing Annual and Extraordinary GMS in accordance
ketentuan Anggaran Dasar; with the provisions of the Articles of Association;
9. Mematuhi seluruh peraturan yang berlaku, Anggaran 9. Complying with all applicable regulations, the Articles of
Dasar, dan kebijakan internal Perseroan lainnya yang Association, and other internal policies of the Company
terkait dengan tugasnya; dan related to their duties; and
10. Mengelola Perseroan sesuai wewenang dan 10. Managing the Company according to its authorities
tanggung jawabnya. and responsibilities.
Wewenang Direksi Board of Directors Authorities
Direksi memiliki sejumlah kewenangan untuk mengambil The Board of Directors has several authorities to take
tindakan pengurusan atas Perseroan sesuai ketentuan management actions for the Company in line with the
Anggaran Dasar, antara lain sebagai berikut: provisions of the Articles of Association, including
the following:
1. Mewakili dan mengikat Perseroan dengan pihak lain; 1. Represent and bind the Company with other parties;
2. Menunjuk satu atau lebih orang sebagai wakil atau kuasa 2. Appoint one or more persons as representatives or
untuk melakukan tindakan tertentu berdasarkan surat proxies to perform certain actions pursuant to power
kuasa; dan of attorney; and
3. Mengatur dan mengembangkan sumber daya manusia 3. Manage and develop human capital including the
termasuk pengangkatan dan pemberhentian karyawan, appointment and dismissal of employees, determination
penetapan gaji, pensiun atau jaminan hari tua dan of salaries, pensions or retirement benefits and other
remunerasi lain bagi karyawan Perseron berdasarkan remuneration for Company employees based on
peraturan perundang-undangan yang berlaku dan/atau applicable laws and regulations and/or GMS resolutions.
keputusan RUPS.
Tanggung Jawab Direksi Board of Directors Responsibilities
Direksi wajib menyampaikan rencana kerja tahunan The Board of Directors must present the Company's annual
Perseroan bersamaan dengan rencana keuangan tahunan work plan together with the annual financial plan for the
untuk tahun buku yang akan datang kepada Dewan upcoming fiscal year to the Board of Commissioners before
Komisaris sebelum berakhirnya tahun buku yang berjalan, the end of the current fiscal year for review and approval.
untuk diperiksa dan disetujui oleh Dewan Komisaris. Di In addition, the Board of Directors is required to furnish the
samping itu, Direksi juga berkewajiban untuk menyediakan Company's annual report, which has been approved by the
laporan tahunan Perseroan yang telah disetujui Dewan Board of Commissioners, to the Annual GMS no later than
Komisaris kepada RUPS Tahunan selambat-lambatnya dalam 6 (six) months after the end of the fiscal year.
jangka waktu 6 (enam) bulan setelah berakhirnya tahun buku.
Pembagian Tugas dan Tanggung Jawab Masing- Distribution of Duties and Responsibilities of Each
masing Direksi Board of Directors
Direksi bertugas dan bertanggung jawab secara tanggung The Board of Directors has joint and several duties and
renteng, dimana setiap anggota Direksi melakukan tugasnya responsibilities, where each member of the Board of
masing-masing sesuai dengan bidang keahlian dan Directors performs their respective duties in accordance
pengalaman profesional masing-masing agar pengelolaan with their respective fields of expertise and professional
Perseroan dapat berjalan lebih efektif dan efisien. experience, thus the management of the Company can run
more effectively and efficiently.
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Informasi lebih rinci tentang pembagian tugas masing- More detailed information about the division of duties of
masing Direksi diuraikan pada tabel berikut ini: each Board of Directors is outlined in the following table:
Nama Jabatan Ruang Lingkup dan Tanggung Jawab
Name Position Scope and Responsibilities
Siswadi Presiden Direktur • Anti Fraud Management
President Director • Compliance & Standardization
• Internal Audit
• Corporate Secretary, Legal & Litigation
Indra Gunawan Direktur Information Technology, Business • Information Technology
Development, Corporate Planning, Risk, Customer • Business Development and Corporate Planning
Relation Management, dan Digital • Customer Relationship Management & Digital
Information Technology, Business Development, • Risk Management
Corporate Planning, Risk, Customer Relation • Sharia Financing Marketing
Management, and Digital Director
Setia Budi Direktur Operation • Credit, Insurance & Collateral Management
Operation Director • Collection, Remedial, & Recovery Management
• Network & Inventory Management
• Regional Management
• Used Motorcycle Financing Marketing
• Microfinancing
Sri Harjati Direktur Human Capital, General Support, • Human Capital
Corporate Communication, EHSSR & Sustainability • General Support, Security & Building Management
Human Capital, General Support, Corporate • Corporate Communication, EHSSR & Sustainability
Communication, EHSSR & Sustainability Director • Multi Purposed Financing
Valentina Chai Wei Li Direktur Finance • Finance and Treasury
Finance Director • Budget, Accounting and Tax
Daniel Hartono Direktur Marketing New Motorcycle Marketing New Motorcycle
New Motorcycle Marketing Director
Susunan, Jumlah, dan Komposisi Anggota Direksi Structure, Number, and Composition of Board of
Tahun 2024 Directors Members in 2024
Sepanjang tahun 2024, susunan Direksi Perseroan Throughout 2024, the composition of the Company's Board
mengalami perubahan sesuai dengan keputusan pemegang of Directors has changed according to the decision of the
saham dalam RUPST Tahun 2024. Informasi terkait shareholders at the 2024 AGMS. Information regarding the
kronologis perubahan komposisi keanggotaan Direksi, chronology of changes in the composition of the Board of
periode, dan dasar pengangkatan dapat dilihat pada tabel Directors, the period, and the basis of appointment can be
di bawah ini: seen in the table below:
1 Januari 2024-19 April 2024
January 1, 2024-April 19, 2024
Nama Jabatan Dasar Pengangkatan Periode Jabatan
Name Position Legal Basis of Appointment Term of Office
Margono Tanuwijaya Presiden Direktur Akta Pernyataan Keputusan Rapat Nomor 41 7 April 2022-RUPST 2024 (Ke-4)
President Director Tanggal 26 April 2022 April 7, 2022-AGMS 2024 (4th)
Shareholders Resolutions Deed No. 41 dated
April 26, 2022
Indra Gunawan Direktur Akta Pernyataan Keputusan Rapat Nomor 41 7 April 2022-RUPST 2024 (Ke-5)
Director Tanggal 26 April 2022 April 7, 2022-AGMS 2024 (5th)
Shareholders Resolutions Deed No. 41 dated
April 26, 2022
Setia Budi Direktur Akta Pernyataan Keputusan Rapat Nomor 41 7April 2022-RUPST 2024 (Ke-3)
Director Tanggal 26 April 2022 April 7, 2022-AGMS 2024 (3rd)
Shareholders Resolutions Deed No. 41 dated
April 26, 2022
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Tata Kelola Perusahaan
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Nama Jabatan Dasar Pengangkatan Periode Jabatan
Name Position Legal Basis of Appointment Term of Office
Sri Harjati Direktur Akta Pernyataan Keputusan Rapat Nomor 41 7 April 2022-RUPST 2024 (Ke-2)
Director Tanggal 26 April 2022 April 7, 2022-AGMS 2024 (2nd)
Shareholders Resolutions Deed No. 41 dated
April 26, 2022
Valentina Chai Wei Li Direktur Akta Pernyataan Keputusan Rapat Nomor 31 6 April 2023-RUPST 2024 (Ke-1)
Director Tanggal 13 April 2022 April 6, 2023-AGMS 2024 (1st)
Shareholders Resolutions Deed No. 31 dated
April 13, 2022
Daniel Hartono Direktur Akta Pernyataan Keputusan Rapat Nomor 31 6 April 2023-RUPST 2024 (Ke-1)
Director Tanggal 13 April 2022 April 6, 2023-AGMS 2024 (1st)
Shareholders Resolutions Deed No. 31 dated
April 13, 2022
19 April 2024-31 Desember 2024
April 19, 2024-December 31, 2024
Nama Jabatan Dasar Pengangkatan Periode Jabatan
Name Position Legal Basis of Appointment Term of Office
Siswadi Presiden Direktur Akta Pernyataan Keputusan Rapat Nomor 01 19 April 2024-RUPST 2026 (Ke-1)
President Director Tanggal 02 Mei 2024 April 19, 2024-AGMS 2026 (1st)
Shareholders Resolutions Deed No. 1 dated
May 2, 2024
Setia Budi Direktur Akta Pernyataan Keputusan Rapat Nomor 01 19 April 2024-RUPST 2026 (Ke-4)
Director Tanggal 02 Mei 2024 April 19, 2024-AGMS 2026 (4th)
Shareholders Resolutions Deed No. 1 dated
May 2, 2024
Daniel Hartono Direktur Akta Pernyataan Keputusan Rapat Nomor 01 19 April 2024-RUPST 2026 (Ke-2)
Director Tanggal 02 Mei 2024 April 19, 2024-AGMS 2026 (2nd)
Shareholders Resolutions Deed No. 1 dated
May 2, 2024
Indra Gunawan Direktur Akta Pernyataan Keputusan Rapat Nomor 01 19 April 2024-RUPST 2026 (Ke-6)
Director Tanggal 02 Mei 2024 April 19, 2024-AGMS 2026 (6th)
Shareholders Resolutions Deed No. 1 dated
May 2, 2024
Sri Harjati Direktur Akta Pernyataan Keputusan Rapat Nomor 01 19 April 2024-RUPST 2026 (Ke-3)
Director Tanggal 02 Mei 2024 April 19, 2024-AGMS 2026 (3rd)
Shareholders Resolutions Deed No. 1 dated
May 2, 2024
Valentina Chai Wei Li Direktur Akta Pernyataan Keputusan Rapat Nomor 01 19 April 2024-RUPST 2026 (Ke-2)
Director Tanggal 02 Mei 2024 April 19, 2024-AGMS 2026 (2nd)
Shareholders Resolutions Deed No. 1 dated
May 2, 2024
Penilaian Uji Kemampuan dan Kepatutan Direksi Fit and Proper Test Assessment of the Board of
Directors
Perseroan memastikan seluruh anggota Direksi yang The Company ensures that all members of the Board of
menjabat telah memenuhi seluruh persyaratan dan lulus Directors in office have met all the requirements and passed
uji kemampuan dan kepatutan (fit and proper test) yang the fit and proper test conducted by the FSA, as stipulated in
diselenggarakan oleh OJK, sebagaimana yang ditentukan POJK No. 33/POJK.04/2014 concerning Boards of Directors
dalam POJK No. 33/POJK.04/2014 tentang Direksi dan and Commissioners of Issuers or Public Companies, and
Dewan Komisaris Emiten atau Perusahaan Publik, dan FSA Regulation No. 27/POJK.03/2016 concerning Fit and
Peraturan OJK No. 27/POJK.03/2016 tentang Penilaian Proper Test for Key Parties of Financial Services Institutions.
Kemampuan dan Kepatutan bagi Pihak Utama Lembaga
Jasa Keuangan.
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Berikut ini adalah keterangan terkait penilaian kemampuan The following is information related to the fit and proper
dan kepatutan (fit and proper test) Direksi Perseroan: test of the Company's Board of Directors:
Nama Jabatan Tanggal Keputusan dari OJK
Name Position Decision Date from FSA
Siswadi Presiden Direktur 19 Juli 2024
President Director July 19, 2024
Setia Budi Direktur 5 Juli 2019
Director July 5, 2019
Daniel Hartono Direktur 8 September 2023
Director September 8, 2023
Indra Gunawan Direktur 28 Mei 2014
Director May 28, 2014
Sri Harjati Direktur 3 Agustus 2020
Director August 3, 2020
Valentina Chai Wei Li Direktur 8 September 2023
Director September 8, 2023
Rangkap Jabatan Direksi Concurrent Position of Board of Directors
Piagam Direksi secara jelas mengatur ketentuan larangan The Board of Directors' Charter clearly regulates the
rangkap jabatan bagi anggota Direksi baik di Emiten/ prohibition of concurrent positions for members of the Board
Perusahaan Publik/Perusahaan lain, dengan uraian of Directors in Issuers/Public Companies/other Companies,
sebagai berikut: with the following descriptions:
1. Anggota Direksi hanya dapat menjabat sebagai 1. Members of the Board of Directors can only serve as
Komisaris sebanyak-banyaknya pada 3 (tiga) Emiten Commissioners in a maximum of 3 (three) Issuers and/
dan/atau Perusahaan lain yang bergerak pada usaha or other Companies engaged in financing businesses.
di bidang pembiayaan.
2. Tidak termasuk rangkap jabatan apabila anggota Direksi 2. Not including concurrent positions if a member of
bertanggung jawab pada pengawasan atas penyertaan the Board of Directors is responsible for supervising
pada anak perusahaan yang memiliki usaha di bidang participation in a subsidiary that has a business in the
pembiayaan, menjalankan tugas fungsional menjadi financing sector, carrying out functional duties as a
anggota Dewan Komisaris pada anak perusahaan yang member of the Board of Commissioners in a subsidiary
dikendalikan Perseroan. controlled by the Company.
3. Anggota Direksi hanya diperbolehkan untuk menjabat 3. Members of the Board of Directors are only allowed to
sebagai anggota Komite yang dibentuk Dewan Komisaris serve as members of a Committee formed by the Board
sebanyak-banyaknya pada 5 (lima) Emiten dan/atau of Commissioners for a maximum of 5 (five) Issuers and/or
Perusahaan Publik (termasuk jabatannya pada Perseroan). Public Companies (including their position in the Company).
Kebijakan mengenai rangkap jabatan Direksi Perseroan The policy regarding multiple positions of the Company's
disusun dengan memperhatikan regulasi POJK 33/ Board of Directors is formulated by taking into account the
POJK.04/2014 tentang Direksi dan Dewan Komisaris regulations of Companies POJK 33/POJK.04/2014 concerning
Emiten atau Perusahaan Publik. Sesuai dengan peraturan the Board of Directors and Board of Commissioners of
tersebut, anggota Direksi Perseroan dapat merangkap Issuers or Public Companies. In accordance with these
jabatan sebagai: regulations, members of the Company's Board of Directors
may concurrently hold positions as:
1. Anggota Direksi paling banyak pada 1 (satu) Emiten atau 1. Members of the Board of Directors in 1 (one) other Issuer
Perusahaan Publik lain; or Public Company;
2. Anggota Dewan Komisaris paling banyak pada 3 (tiga) 2. Members of the Board of Commissioners in 3 (three)
Emiten atau Perusahaan Publik lain; dan/atau other Issuers or Public Companies; and/or
3. Anggota komite paling banyak pada 5 (lima) komite 3. Committee members in 5 (five) committees in Issuers or
di Emiten atau Perusahaan Publik dimana yang Public Companies in which they also serve as members
bersangkutan juga menjabat sebagai anggota Direksi of the Board of Directors or the Board of Commissioners.
atau anggota Dewan Komisaris.
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Tata Kelola Perusahaan
Corporate Governance
Informasi mengenai rangkap jabatan Direksi Perseroan per Information on the concurrent positions of the Company's
31 Desember 2024, adalah sebagai berikut: Board of Directors as of December 31, 2024, is as follows:
Nama Jabatan Rangkap Jabatan Nama Perusahaan Bidang Usaha
Name Position Concurrent Position Name of Company Line of Business
Siswadi Presiden Direktur Presiden Komisaris PT Astra Welab Digital Arta Perusahaan Pinjam
President Director President Commissioner Meminjam
Lending Company
Komisaris PT Matra Graha Sarana Perusahaan Real Estate
Commissioner Real Estate Company
Presiden Komisaris PT Astra Kreasi Digital Perusahaan Teknologi
President Commissioner Informasi
Information Technology
Company
Presiden Komisaris PT Astra Digital Arta Perusahaan Uang
President Commissioner Elektronik
Electronic Money
Company
Setia Budi Direktur Komisaris PT Astra Multi Finance Perusahaan
Director Commissioner Pembiayaan
Financing Company
Daniel Hartono Direktur - - -
Director
Indra Gunawan Direktur Presiden Komisaris PT Sharia Multifinance Perusahaan
Director President Commissioner Astra Pembiayaan Syariah
Sharia Financing
Company
Komisaris PT Astra WeLab Digital Perusahaan Pinjam
Commissioner Arta Meminjam
Lending Company
Komisaris PT Astra Digital Arta Perusahaan Uang
Commissioner Elektronik
Electronic Money
Company
Sri Harjati Direktur Presiden Komisaris PT Astra Multi Finance Perusahaan
Director President Commissioner Pembiayaan
Financing Company
Anggota Komite PT Astra Multi Finance Perusahaan
Nominasi dan Pembiayaan
Remunerasi Financing Company
Member of the
Nomination and
Remuneration
Committee
Valentina Chai Wei Li Direktur - - -
Director
Transparansi Kepemilikan Saham Direksi Board of Directors Share Ownership Transparency
Direksi berkewajiban untuk mengungkapkan informasi yang The Board of Directors is obliged to disclose transparent
transparan terkait kepemilikan sahamnya di Perseroan dan information regarding its share ownership in the Company
melaporkannya dalam laporan penerapan GCG, dengan and report it in the GCG implementation report, with the
ketentuan sebagai berikut: following provisions:
1. Kepemilikan sahamnya yang mencapai 50% (lima puluh 1. Share ownership of 50% (fifty percent) or more in the
persen) atau lebih pada Perseroan atau pada perusahaan Company or in other companies domiciled at home
lain yang berkedudukan di dalam dan di luar negeri; dan and abroad; and
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2. Hubungan keuangan dan hubungan keluarga dengan 2. Financial and family affiliations with other members of
anggota Dewan Komisaris lain, anggota Direksi, the Board of Commissioners, members of the Board of
anggota Dewan Pengawas Syariah dan/atau pemegang Directors, members of the Sharia Supervisory Board
saham Perseroan. and/or shareholders of the Company.
Setiap kepemilikan saham Perseroan oleh anggota Direksi Any ownership of the Company's shares by members of
harus bertujuan untuk investasi jangka panjang. Anggota the Board of Directors must be for long-term investment
Direksi terikat pada Securities Dealing Rules yang diatur purposes. Members of the Board of Directors are bound by
dalam Kode Etik FIFGROUP. Dokumen tersebut terus the Securities Dealing Rules as stipulated in the FIFGROUP
dimutakhirkan dari waktu ke waktu dan telah dipublikasikan Code of Conduct. This document is continuously updated
pada laman web Perseroan. Kebijakan Perseroan terkait from time to time and has been published on the Company's
pengungkapan kepemilikan saham Direksi sudah website. The Company's policy regarding the disclosure of
disesuaikan dengan peraturan perundang-undangan yang share ownership of the Board of Directors has been adjusted
berlaku mengenai kepemilikan dan transaksi saham. to the prevailing laws and regulations on share ownership
and transactions.
Berikut ini adalah pengungkapan informasi terkait The following is a disclosure of information regarding the
kepemilikan saham masing-masing Direksi baik di Perseroan share ownership of each member of the Board of Directors,
maupun di perusahaan lainnya: both in the Company and in other companies:
Nama Jabatan Kepemilikan Saham
Name Position Share Ownership
Siswadi Presiden Direktur Tidak Ada
President Director None
Indra Gunawan Direktur Tidak Ada
Director None
Setia Budi Direktur Tidak Ada
Director None
Sri Harjati Direktur Tidak Ada
Director None
Valentina Chai Wei Li Direktur Tidak Ada
Director None
Daniel Hartono Direktur Tidak Ada
Director None
Rapat Direksi Board of Directors Meeting
Kebijakan Rapat Meeting Policy
Sebagaimana dinyatakan di dalam Anggaran Dasar dan As stated in the Company’s Articles of Association and
Pedoman GCG Perseroan, Direksi wajib menyelenggarakan the GCG Code, the Board of Directors is required to hold
rapat rutin sekurang-kurangnya satu kali setiap 1 bulan. regular meetings at least once every 1 month. In addition,
Sebagai tambahan, Direksi dapat menyelenggarakan rapat the Board of Directors may hold meetings (i) at any time
(i) setiap saat kapanpun dirasa perlu oleh 1 (satu) atau lebih whenever deemed necessary by 1 (one) or more Board of
anggota Direksi; (ii) atas permintaan tertulis dari seorang Directors members; (ii) upon written request from one or
anggota Dewan Komisaris atau lebih; atau (iii) berdasarkan more members of the Board of Commissioners; or (iii) at
permintaan 1 (satu) orang pemegang saham atau lebih yang the request of 1 (one) or more shareholders who together
bersama-sama mewakili 1/10 (satu per sepuluh) bagian atau represent 1/10 (one tenth) or more of the total shares with
lebih dari jumlah seluruh saham dengan hak suara yang valid voting rights. Each member of the Board of Directors
sah. Setiap anggota Direksi wajib hadir dalam rapat rutin shall attend the regular meeting minimum 50% (fifty percent)
sekurang-kurangnya 50% (lima puluh persen) dari jumlah of the total regular meetings within a period of 1 (one) year.
seluruh rapat rutin dalam jangka waktu 1 (satu) tahun.
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Tata Kelola Perusahaan
Corporate Governance
Tingkat Kehadiran Anggota Direksi dalam Rapat Board of Directors Members Meeting Attendance Rate
Per 31 Desember 2024, Direksi telah menyelenggarakan As of December 31, 2024, the Board of Directors had held
12 (dua belas) kali rapat dengan rincian agenda dan tingkat 12, (twelve) meetings with the following agenda details and
kehadiran sebagai berikut: attendance rates:
Nama Jabatan Jumlah Pertemuan Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Attendance Attendance Rate (%)
Siswadi* Presiden Direktur 6 6 100
President Director
Indra Gunawan Direktur 12 12 100
Director
Setia Budi Direktur 12 12 100
Director
Sri Harjati Direktur 12 12 100
Director
Valentina Chai Wei Li Direktur 12 12 100
Director
Daniel Hartono Direktur 12 12 100
Director
*) Beliau diangkat sebagai anggota Direksi Perseroan pada 19 April 2024 dan efektif menjabat setelah dinyatakan lulus uji penilaian
kemampuan dan kepatutan dari OJK per 19 Juli 2024.
*) He was appointed as a member of the Company's Board of Directors on April 19, 2024, and effectively served after passing the fit
and proper test by the FSA on July, 2024.
Agenda Rapat Direksi Board of Directors Meeting Agenda
Agenda rapat Direksi selama 2024 membahas berbagai The agenda of the Board of Directors' meetings during 2024
topik, di antaranya: covers various topics, including:
Tanggal
Agenda
Date
19 Januari 2024 Overall Company Performance Review as of December 2023
January 19, 2024
13 Februari 2024 Overall Company Performance Review as of January 2024
February 13, 2024
18 Maret 2024 Overall Company Performance Review as of February 2024
March 18, 2024
22 April 2024 Overall Company Performance Review as of March 2024
April 22, 2024
17 Mei 2024 Overall Company Performance Review as of April 2024
May 17, 2024
10 Juni 2024 Overall Company Performance Review as of May 2024
June 10, 2024
11 Juli 2024 Overall Company Performance Review as of June 2024
July 11, 2024
15 Agustus 2024 Overall Company Performance Review as of July 2024
August 15, 2024
23 September 2024 Overall Company Performance Review as of August 2024
September 23, 2024
14 Oktober 2024 Overall Company Performance Review as of September 2024
October 14, 2024
18 November 2024 Overall Company Performance Review as of October 2024
November 18, 2024
16 Desember 2024 Overall Company Performance Review as of November 2024
December 16, 2024
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Program Pelatihan dan Peningkatan Kompetensi Board of Directors’ Training and Competency
Direksi Tahun 2024 Improvement Program in 2024
Pelatihan dan Pengembangan Kompetensi Direksi Training and Competency Development of the
Tahun 2024 Board of Directors in 2024
Untuk mendukung kelancaran pelaksanaan tugas dan To support the smooth implementation of the duties and
tanggung jawab Direksi baik secara kolegial maupun responsibilities of the Board of Directors both collegially
individual, Perseroan mendorong setiap anggota Direksi and individually, the Company encourages each member
untuk terus mengembangkan kompetensi dan meningkatkan of the Board of Directors to continue developing their
pengetahuan atau wawasan yang dimiliki dengan mengikuti competencies and improving their knowledge or insights
program pengembangan kompetensi dalam bentuk by participating in competency development programs in
pelatihan/seminar/workshop, baik yang diselenggarakan the form of training/seminars/workshops, whether organized
oleh internal perusahaan atau yang diselenggarakan oleh by the company internally or by external parties.
pihak eksternal.
Sepanjang tahun 2024, anggota Direksi Perseroan Throughout 2024, members of the Company's Board of
telah mengikuti sejumlah pelatihan dan pengembangan Directors have participated in a number of training and
kompetensi, yaitu sebagai berikut: competency development programs, as follows:
Nama Jabatan Jenis Pelatihan Tanggal Pelaksanaan Penyelenggara
Name Position Type of Training Date of Implementation Organizer
Siswadi Presiden Direktur Webinar OJK Institute "Strategi 29 Februari 2024 OJK Institute
President Mencegah Serangan Siber" February 29, 2024 FSA Institute
Director FSA Institute Webinar "Strategies
to Prevent Cyber Attacks"
Webinar OJK Institute "Artificial 7 Maret 2024 OJK Institute
Intelligence Changes The Face March 7, 2024 FSA Institute
of The Financial Sector"
FSA Institute Webinar
"Artificial Intelligence Changes
The Face of The Financial
Sector"
Indra Gunawan Direktur Seminar Nasional "Tantangan 30 Januari 2024 APPI
Director Pembiayaan Tahun 2024" January 30, 2024
National Seminar “Financing
Challenges in 2024”
Webinar OJK Institute "Outlook 22 Februari 2024 OJK Institute
Ekonomi dan Keuangan di Tahun February 22, 2024 FSA Institute
2024"
FSA Institute Webinar “Economic
and Financial Outlook in 2024”
Setia Budi Direktur Webinar OJK Institute 11 Januari 2024 OJK Institute
Director "Connecting The Dots" January 11, 2024 FSA Institute
FSA Institute Webinar
“Connecting The Dots”
Seminar Nasional "Tantangan 30 Januari 2024 APPI
Pembiayaan Tahun 2024" January 30, 2024
National Seminar “Financing
Challenges in 2024”
Sri Harjati Direktur Webinar OJK Institute 11 Januari 2024 OJK Institute
Director "Connecting The Dots" January 11, 2024 FSA Institute
FSA Institute Webinar
“Connecting The Dots”
Seminar Nasional "Tantangan 30 Januari 2024 APPI
Pembiayaan Tahun 2024" January 30, 2024
National Seminar “Financing
Challenges in 2024”
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Tata Kelola Perusahaan
Corporate Governance
Nama Jabatan Jenis Pelatihan Tanggal Pelaksanaan Penyelenggara
Name Position Type of Training Date of Implementation Organizer
Valentina Chai Wei Li Direktur Webinar OJK Institute 11 Januari 2024 OJK Institute
Director "Connecting The Dots" January 11, 2024 FSA Institute
FSA Institute Webinar
“Connecting The Dots”
Webinar OJK Institute "Outlook 22 Februari 2024 OJK Institute
Ekonomi dan Keuangan di Tahun February 22, 2024 FSA Institute
2024"
FSA Institute Webinar “Economic
and Financial Outlook in 2024”
Daniel Hartono Direktur Webinar OJK Institute 11 Januari 2024 OJK Institute
Director "Connecting The Dots" January 11, 2024 FSA Institute
FSA Institute Webinar
“Connecting The Dots”
Seminar Nasional "Tantangan 30 Januari 2024 APPI
Pembiayaan Tahun 2024" January 30, 2024
National Seminar “Financing
Challenges in 2024”
Sertifikasi Keahlian di Bidang Pembiayaan Bagi Certification of Expertise in Financing for the
Direksi Board of Directors
Sebagai bagian dari upaya untuk mempertahankan kualitas As part of the effort to maintain the quality of management
kompetensi Manajemen, Perseroan memastikan seluruh competence, the Company ensures that all members of
anggota Direksi telah memenuhi persyaratan sertifikasi the Board of Directors have met the requirements for
profesi di bidang pembiayaan dari lembaga yang ditunjuk professional certification in the field of finance from an
oleh asosiasi sebagaimana yang diwajibkan POJK No. 35/ institution appointed by the association as required by POJK
POJK.05/2018 tentang Penyelenggaraan Usaha Perusahaan No. 35/POJK.05/2018 concerning the Business Operations
Pembiayaan. Berikut ini adalah daftar sertifikasi yang dimiliki of Finance Companies. The following is a list of certifications
oleh Direksi per 31 Desember 2024: held by the Board of Directors as of December 31, 2024:
Nama Jabatan Sertifikasi Penyelenggara
Name Position Certification Organizer
Siswadi Presiden Direktur 18 Agustus 2015 SPPI
President Director August 18, 2015
Indra Gunawan Direktur 19 Agustus 2015 SPPI
Director August 19, 2015
Setia Budi Direktur 22 April 2019 SPPI
Director April 22, 2019
Sri Harjati Direktur 27 Juli 2017 SPPI
Director July 27, 2017
Valentina Chai Wei Li Direktur 31 Maret 2023 SPPI
Director March 31, 2023
Daniel Hartono Direktur 31 Maret 2023 SPPI
Director March 31, 2023
Laporan Pelaksanaan Tugas Direksi Tahun 2024 Report on the Implementation of Board of
Commissioners Duties in 2024
Pada tahun 2024, penilaian kinerja Direksi telah dilakukan In 2024, the performance evaluation of the Board of Directors
dan seluruh jajaran Direksi dinilai telah menunjukkan has been completed and the entire Board of Directors is
performa unggul serta melaksanakan tanggung jawabnya considered to have shown outstanding performance and
dengan optimal. carried out their responsibilities optimally.
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Dewan Pengawas Syariah
Sharia Supervisory Board
Dalam menjalankan kegiatan usaha pembiayaan, Perseroan In performing financing business activities, the Company also
turut menawarkan berbagai jenis produk pembiayaan syariah offers various types of sharia financing products designed
yang dirancang sesuai rekomendasi Dewan Syariah Nasional in accordance with the recommendations of the National
Majelis Ulama Indonesia (DSN MUI), yaitu AMITRA. Produk ini Sharia Council of the Indonesian Ulema Council (DSN MUI),
menyediakan pembiayaan syariah untuk Porsi Haji Regular, namely AMITRA. This product provides sharia financing
Porsi Haji Khusus, Keberangkatan Haji Regular, Umrah for Regular Hajj Portion, Special Hajj Portion, Regular Hajj
Regular, dan Umrah Plus. Seluruh kontrak dalam pembiayaan Departure, Regular Umrah, and Umrah Plus. All of in AMITRA
AMITRA dibuat dalam akad berbasis syariah dan telah sesuai financing are made in a sharia-based contract and comply
dengan ketentuan yang berlaku. with applicable regulations.
Perseroan membentuk Dewan Pengawas Syariah (DPS) Company formed a Sharia Supervisory Board (DPS) to
untuk mengawasi jalannya aktivitas bisnis yang berlandaskan supervise the course of business activities based on
pada prinsip-prinsip syariah sebagaimana diatur dalam sharia principles as regulated in the applicable laws and
ketentuan peraturan dan perundang-undangan yang regulations. The establishment of the Sharia Supervisory
berlaku. Pembentukan Organ Dewan Pengawas Syariah Board (DPS) in the Company refers to POJK regulation
(DPS) Perseroan mengacu pada regulasi POJK No. 30/ No. 30/POJK.05/2014 in conjunction with POJK No. 29/
POJK.05/2014 jo. POJK No. 29/POJK.05/2020. POJK.05/2020.
Pedoman Kerja Dewan Pengawas Syariah Sharia Supervisory Board Charter
Perseroan memiliki Pedoman Kerja Dewan Pengawas Syariah The Company has Sharia Supervisory Board Charter,
yang telah ditetapkan pada tanggal 8 Januari 2018 dan which were established on January 8, 2018, and renewed
diperbarui pada 1 Agustus 2023. Pedoman tertulis ini menjadi on August 1, 2023. These written guidelines serve as a
acuan bekerja yang wajib dipatuhi oleh DPS agar dapat working reference that must be followed by the Sharia
melaksanakan tugasnya secara efektif, efisien, transparan, Supervisory Board to ensure it carries out its duties
independen, dan bertanggung jawab. Penyusunan pedoman effectively, efficiently, transparently, independently, and
ini telah disesuaikan dengan kodifikasi pelaksanaan tugas responsibly. The preparation of these guidelines has been
dan fungsi DPS sesuai ketentuan peraturan perundang- aligned with the codification of the implementation of the
undangan yang berlaku. duties and functions of the Sharia Supervisory Board in
accordance with applicable laws and regulations.
Tugas dan Tanggung Jawab Duties and Responsibilities
Mengacu pada Pedoman yang dimiliki, DPS memiliki With reference to the Charter, the Sharia Supervisory Board
tugas dan tanggung jawab untuk memberikan nasihat dan is tasked with providing advice and recommendations to
saran kepada Direksi, mengawasi aspek syariah kegiatan the Board of Directors, overseeing the Sharia aspects of
operasional Perseroan atau Unit Usaha Syariah (UUS), dan the Company’s operational activities or Sharia Business
sebagai wakil Perseroan atau UUS pada Dewan Syariah Units (UUS), and acting as representatives of the Company
Nasional Majelis Ulama Indonesia. Dalam menyelenggarakan or UUS on the National Sharia Council of the Indonesian
tugas dan wewenangnya, DPS memiliki prosedur sebagai Ulema Council. In doing its duties and authorities, the Sharia
berikut: Supervisory Board adheres to the following procedures:
1. DPS Perseroan Pembiayaan Syariah dan UUS wajib 1. The Sharia Supervisory Board of the Sharia Financing
menjamin pengambilan keputusan yang efektif, tepat, Company and UUS must ensure effective, accurate, and
dan cepat serta dapat bertindak secara independen, prompt decision-making and be able to act independently,
tidak mempunyai kepentingan yang dapat mengganggu free from any interests that may compromise its ability to
kemampuannya untuk melaksanakan tugas secara perform duties objectively and independently;
mandiri dan objektif;
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Tata Kelola Perusahaan
Corporate Governance
2. DPS wajib melaksanakan tugas pengawasan dan 2. The Sharia Supervisory Board is obligated to
pemberian nasihat serta saran kepada Direksi agar do supervision duties and provide advice and
kegiatan Perusahaan Pembiayaan Syariah atau UUS recommendations to the Board of Directors to ensure
sesuai dengan Prinsip Syariah; that the activities of the Sharia Financing Company or
3. Pelaksanaan tugas pengawasan dan pemberian nasihat UUS comply with Sharia Principles;
dan saran yang dilakukan DPS sebagaimana dimaksud 3. The execution of supervision duties and provision of
pada poin 2 dilakukan terhadap: advice and recommendations as stipulated in point 2
a. Kegiatan Pembiayaan Syariah; are conducted towards:
b. Akad Pembiayaan Syariah yang dipasarkan oleh a. Sharia Financing Activities;
Perseroan Pembiayaan Syariah dan UUS; dan b. Sharia Financing Contracts marketed by the Sharia
c. Praktik pemasaran Pembiayaan Syariah yang Financing Company and UUS; and
dilakukan oleh Perseroan Pembiayaan Syariah c. Marketing practices of Sharia Financing conducted
dan UUS. by the Sharia Financing Company and UUS.
4. Dalam melaksanakan tugas pengawasan dan pemberian 4. In executing the supervision duties and providing advice
nasihat serta saran sebagaimana dimaksud pada poin 3, and recommendations as mentioned in point 3, the
DPS dapat dibantu oleh anggota komite dan/atau Sharia Supervisory Board may be assisted by committee
pegawai yang struktur organisasinya berada di bawah members and/or employees whose organizational
Dewan Komisaris dan/atau Direksi; dan structure falls under the Board of Commissioners and/
or the Board of Directors; and
5. Anggota DPS berhak memperoleh informasi dari Direksi 5. Members of the Sharia Supervisory Board are entitled
mengenai Perseroan Pembiayaan Syariah dan UUS to receive comprehensive and timely information from
secara lengkap dan tepat waktu. the Board of Directors regarding the Sharia Financing
Company and UUS.
Susunan, Jumlah, dan Komposisi Anggota Dewan Structure, Number, and Composition of Board of
Pengawas Syariah Tahun 2024 Directors Members in 2024
Berdasarkan hasil keputusan RUPST Tahun 2024 yang Based on the resolution of the 2024 Annual General
juga telah dituangkan dalam Akta Pernyataan Keputusan Meeting of Shareholders, which has also been stated in
Rapat Nomor 01 tanggal 2 Mei 2024, adapun susunan DPS the Shareholders Resolution Deed No. 01 dated May 2,
Perseroan yang, adalah sebagai berikut: 2024, the composition of the Company's Sharia Supervisory
Board as follows:
Nama Jabatan Dasar Pengangkatan Periode Jabatan
Name Position Legal Basis of Appointment Term of Office
Aminudin Yakub Dewan Pengawas Syariah Akta Pernyataan Keputusan Para Pemegang 7 April 2024-RUPST
Sharia Supervisory Board Saham No. 01 tanggal 2 Mei 2024. 2026 (K e-9)
Shareholders Resolution Deed No. 01 dated April 7, 2024-AGMS
May 2, 2024. 2026 (9th)
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Profil Dewan Pengawas Syariah Sharia Supervisory Board Profile
AMINUDIN YAKUB
Dewan Pengawas Syariah | Sharia Supervisory Board
Usia | Age Kewarganegaraan | Citizenship
54 tahun | years old Indonesia
Dasar Pengangkatan Akta Pernyataan Keputusan Para Pemegang Saham No. 01 tanggal 2 Mei 2024.
Legal Basis of Appointment Deed of Statement of Shareholders' Resolutions No. 01 dated May 2, 2024.
Riwayat Pendidikan • S1 dari Fakultas Tarbiyah UIN Syarif Hidayatullah (1994)
Educational Background • S2 Islamic Studies di UIN Syarif Hidayatullah (1997)
• S3 Islamic Studies di SPS UIN Syarif Hidayatullah (2017)
• Program Doktor Ilmu Hukum Universitas Islam Sultan Agung Semarang (2021)
• Undergraduate degree from Tarbiyah Faculty of UIN Syarif Hidayatullah (1994)
• Master’s degree in Islamic Studies at UIN Syarif Hidayatullah (1997)
• Doctoral Program in Islamic Studies at UIN Syarif Hidayatullah (2017)
• Doctoral Program in Law, Islamic University of Sultan Agung Semarang (2021)
Riwayat Pekerjaan Beliau mulai bergabung dengan Astra Group sebagai Dewan Pengawas
Career History Syariah PT Federal International Finance (Perseroan) sejak tahun 2006 hingga
saat ini. Saat ini beliau menjabat sebagai Dosen di UIN Syarif Hidayatullah,
Wakil Sekretaris/Anggota Komisi Fatwa Majelis Ulama Indonesia (MUI) Pusat,
Pengurus BPH DSN MUI, Sharia Consultant di Citibank Indonesia Jasa Kastodi
Syariah, Ketua Yayasan Pendidikan Islam “Baitul Muttaqin” Bekasi, Sharia
Consultant pada PT Pinnacle Persada Investama, Direktur Utama LSP MUI,
dan Pengurus Dewan Halal Nasional MUI. Saat ini Beliau juga merupakan
Dewan Pengawas Syariah di perusahaan berikut: PT Asuransi Tripakarta
Syariah, Bank Panin Dubai Syariah, PT Astra Sedaya Finance, dan PT Panin
Asset Management.
He joined the Astra Group as the Sharia Supervisory Board of PT Federal
International Finance (Company) from 2006 to the present day. Currently, he
serves as a lecturer at UIN Syarif Hidayatullah, Deputy Secretary/Member
of the Fatwa Commission of the Indonesian Ulema Council (MUI) Central,
Executive Board Member of the National Sharia Board (DSN) MUI, Sharia
Consultant at Citibank Indonesia Sharia Custody Services, Chairman of the
“Baitul Muttaqin” Islamic Education Foundation in Bekasi, Sharia Consultant at
PT Pinnacle Persada Investama, President Director of LSP MUI, and Executive
Board Member of the MUI National Halal Council. Additionally, he is a Sharia
Supervisory Board member at the following companies: PT Asuransi Tripakarta
Syariah, Bank Panin Dubai Syariah, PT Astra Sedaya Finance, and PT Panin
Asset Management.
Rangkap Jabatan di Dewan Pengawas Syariah di sejumlah perusahaan, antara lain:
Perusahaan Lain • PT Asuransi Tripakarta Syariah
Concurrent Positions in • Bank Panin Dubai Syariah
Other Companies • PT Astra Sedaya Finance
• PT Panin Asset Management.
Member of Sharia Supervisory Board in several companies, including:
• PT Asuransi Tripakarta Syariah
• Bank Panin Dubai Syariah
• PT Astra Sedaya Finance
• PT Panin Asset Management.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Komisaris, Direksi, dan
Affiliated Relationship pemegang saham.
Has no affiliate relationship with members of the Board of Commissioners,
members of the Board of Directors, and shareholders.
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Rangkap Jabatan Dewan Pengawas Syariah Concurrent Positions of the Sharia Supervisory
Board
Sebagaimana diatur dalam Pedoman Kerja DPS, Perseroan As regulated in the Sharia Supervisory Board Work
memastikan bahwa kebijakan rangkap jabatan DPS telah Guidelines, the Company ensures that the Sharia Supervisory
memperhatikan dan tunduk pada ketentuan terkait rangkap Board's concurrent position policy has taken into account
jabatan DPS sesuai POJK No. 30/POJK.05/2014 tentang Tata and complied with the provisions related to concurrent
Kelola Perusahaan yang Baik Bagi Perusahaan Pembiayaan positions of the Sharia Supervisory Board in accordance with
dan perubahannya sebagaimana tercantum pada POJK No. POJK No. 30/POJK.05/2014 concerning Good Corporate
30/POJK.05/2014 jo. POJK No. 29/POJK.05/2020. Governance for Financing Companies and its amendments
as stated in POJK No. 30/POJK.05/2014 in conjunction with
POJK No. 29/POJK.05/2020.
Informasi mengenai rangkap jabatan DPS Perseroan per 31 Information regarding the concurrent positions of the
Desember 2024, adalah sebagai berikut: Company's Sharia Supervisory Board as of December 31,
2024, is as follows:
Nama Jabatan Rangkap Jabatan Nama Perusahaan Bidang Usaha
Name Position Concurrent Position Name of Company Line of Business
Aminudin Yakub Dewan Pengawas Dewan Pengawas PT Astra Sedaya Finance Perusahaan Pembiayaan
Syariah Syariah Financing Company
Sharia Supervisory Sharia Supervisory Board
Board PT Asuransi Tripakatra Perusahaan Asuransi
Syariah Insurance Company
Bank Panin Dubai Perbankan
Syariah (PDSB) Banking
PT Panin Asset Perusahaan Manajemen
Management Aset
Asset Management
Company
Independensi Dewan Pengawas Syariah Independence of the Sharia Supervisory Board
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the Company's
DPS Perseroan senantiasa menjunjung tinggi prinsip Sharia Supervisory Board (DPS) always upholds the principle
independensi dan mengutamakan kepentingan Perseroan of independence and prioritizes the Company's interests
di atas kepentingan sendiri. Independensi DPS dibuktikan over its own. The independence of the DPS is evidenced by
dengan tidak adanya hubungan keluarga ataupun hubungan the absence of family or financial relationships with members
keuangan yang terjalin dengan anggota Direksi dan of the Board of Directors and members of the Board of
anggota Dewan Komisaris serta pemegang saham utama Commissioners as well as the Company's main shareholders
maupun pemegang saham pengendali Perseroan. Selain and controlling shareholders. In addition, the Company also
itu, Perseroan juga secara tegas melarang anggota DPS expressly prohibits DPS members from holding concurrent
untuk memiliki rangkap jabatan sebagai anggota Direksi positions as members of the Board of Directors or Board
atau Dewan Komisaris di Perseroan. Commissioners in the Company.
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Rapat Dewan Pengawas Syariah Sharia Supervisory Board Meeting
Kebijakan pelaksanaan rapat DPS mulai dari tata tertib The policy for conducting Sharia Supervisory Board
acara hingga mekanisme pengambilan keputusan dalam meetings, from meeting procedures to the decision-making
rapat mengacu pada prosedur yang ditetapkan dalam mechanisms, refers to the procedures stipulated in POJK
POJK No. 30/POJK.05/2014 jo. POJK No. 29/POJK.05/2020 No. 30/POJK.05/2014 in conjunction with POJK No. 29/
tentang Tata Kelola Perusahaan Pembiayaan yang Baik Bagi POJK.05/2020 concerning Good Corporate Governance
Perusahaan Pembiayaan. Selama tahun 2024, DPS telah for Finance Companies. Throughout 2024, the Sharia
menyelenggarakan 6 (enam) rapat untuk membahas agenda Supervisory Board has held 6 (six) meetings to discuss
terkait pengawasan penerapan prinsip syariah di Perseroan. agendas related to overseeing the implementation of sharia
principles in the Company.
Program Pelatihan dan Peningkatan Kompetensi Sharia Supervisory Board Training and
Dewan Pengawas Syariah Tahun 2024 Competency Improvement Program in 2024
Perseroan memahami peran DPS dalam mengawasi The Company understand the role of Sharia Supervisory
implementasi prinsip syariah di sektor industri pembiayaan. Board in overseeing the implementation of the sharia
Oleh karena itu, Perseroan memfasilitasi DPS dengan principles in the financing industry sector. Therefore, the
pelatihan dan pendidikan untuk meningkatkan kompetensi Company facilitates DPS with training and education to
dan adaptivitas dalam dinamika industri syariah. improve competence and adaptivity in the dynamics of
the sharia industry.
Program pengembangan kompetensi yang diikuti DPS The competency development program that Sharia
selama tahun 2024 adalah sebagai berikut: Supervisory Board participated in during 2024 is as follows:
Tanggal
Jenis Pelatihan Penyelenggara
Nama Jabatan Pelaksanaan
Type of Training Organizer
Name Position Date of
Implementation
Aminudin Yakub Dewan Pengawas Syariah Seminar Nasional "Tantangan 30 Januari 2024 APPI
Sharia Supervisory Board Pembiayaan Tahun 2024" January 30, 2024
National Seminar "Challenges in
Financing for 2024"
Workshop Pra-Ijtima’ Sanawi Dewan 11 September 2024 DSN MUI
Pengawas Syariah IX Tahun 2024 September 11, 2024
Pre-Ijtima’ Sanawi Workshop for the
Sharia Supervisory Board IX 2024
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Tata Kelola Perusahaan
Corporate Governance
Laporan Pelaksanaan Tugas Dewan Pengawas Report on the Implementation of Board Sharia
Syariah Tahun 2024 Supervisory Board Duties in 2024
Sepanjang tahun 2024, DPS telah melaksanakan tugas dan Throughout 2024, the DPS has completed its duties and
tanggung jawabnya dengan uraian singkat sebagai berikut: responsibilities with a brief description as follows:
1. Pelaksanaan Rapat Dewan Pengawas Syariah 1. Implementation of the Sharia Supervisory Board Meeting
Dewan Pengawas Syariah telah melaksanakan rapat The Sharia Supervisory Board has held meetings with
dengan manajemen sebanyak 6 (enam) kali dengan management 6 (six) times with the following details:
rincian sebagai berikut:
a. 26 Februari 2024 a. February 26, 2024
b. 22 Mei 2024 b. May 22, 2024
c. 9 Agustus 2024 c. August 9, 2024
d. 25 September 2024 d. September 25, 2024
e. 31 Oktober 2024 e. October 31, 2024
f. 20 Desember 2024 f. December 20, 2024
2. Penerapan Evaluasi DPS atas Pemenuhan Prinsip Syariah 2. Implementation of DPS Evaluation on Fulfillment of Sharia
Dewan Pengawas Syariah. Principles of the Sharia Supervisory Board.
Sepanjang tahun 2024, Dewan Pengawas Syariah telah Throughout 2024, the Sharia Supervisory Board of the
melakukan evaluasi atas pemenuhan prinsip syariah dengan Company has evaluated the fulfillment of sharia principles
keterangan sebagai berikut: with the following information:
Perihal Bentuk Evaluasi
No.
About Form of Evaluation
1. Kegiatan Pendanaan dan Pembiayaan Syariah Diterapkan melalui pembahasan hal-hal berikut saat rapat dengan
Sharia Funding and Financing Activity manajemen:
1. Pembahasan penggunaan akad dan pembahasan penyusunan
PPS untuk Akad Musyarakah Mutanaqishah (MMQ).
2. Pembahasan pengembangan akad pembiayaan syariah Akad
Musyarakah Mutanaqishah (MMQ).
3. Pembahasan sumber pendanaan yang berasal dari Bank
Muamalat dan Bank Panin Dubai Syariah.
4. Pemaparan kinerja pembiayaan syariah perusahaan.
Implemented through discussion of the following matters during
meetings with management:
1. Discussion of the use of contracts and discussion of the
preparation of PPS for Musyarakah Mutanaqishah (MMQ)
Contracts.
2. Discussion of the development of sharia financing contracts for
Musyarakah Mutanaqishah (MMQ) Contracts.
3. Discussion of sources of funding from Bank Muamalat and Bank
Panin Dubai Syariah.
4. Dissemination of the company's sharia financing performance.
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Perihal Bentuk Evaluasi
No.
About Form of Evaluation
2. Evaluasi Prosedur Diterapkan melalui pembahasan ulasan SOP pembiayaan syariah saat
Procedure Evaluation rapat dengan manajemen.
Implemented through discussion on sharia financing SOP of the
Company in the meetings with management.
3. Praktik Pemasaran Pembiayaan Syariah yang Diterapkan melalui pembahasan kerjasama dengan partner/channel
Dilakukan oleh Perusahaan Syariah distribution saat rapat dengan manajemen.
Sharia Financing Marketing Practice Implemented by Implemented through discussion of cooperation with partner/channel
Sharia Company distribution during meeting with management.
4. Penerapan Akuntansi Diterapkan melalui pembahasan penerapan akuntasi pada akad-akad
Accounting Implementation saat rapat dengan manajemen.
Diterapkan melalui pembahasan Penerapan Akuntasi pada Akad
Akad saat rapat dengan manajemen.
5. Pengawasan atas Penerapan Manajemen Risiko 1. Terkait Kewajiban penerapan manajemen risiko terintegrasi
Supervision on Risk Management Implementation bagi konglomerasi keuangan, telah dilakukan penilaian dan
penyusunan profil risiko terintegrasi per semester.
2. Penilaian profil risiko terintegrasi dilakukan terhadap risiko
kredit, risiko stratejik, risiko kepatuhan, risiko reputasi, dan risiko
transaksi inta-group.
3. Hasil penilaian profil risiko Perusahaan ada pada peringkat low di
semester 1 dan 2 2023.
1. Regarding the obligation to implement integrated risk
management for financial conglomerates, an assessment and
preparation of an integrated risk profile has been carried out per
semester.
2. An integrated risk profile assessment is performed on credit risk,
strategic risk, compliance risk, reputation risk, and intra-group
transaction risk.
3. The results of the Company's risk profile assessment are ranked
low (in Semesters 1 and 2 of 2023).
Kebijakan dan Prosedur Penetapan Remunerasi Kebijakan dan Prosedur Penetapan Remunerasi
Bagi Dewan Komisaris dan Direksi Bagi Dewan Komisaris dan Direksi
Sesuai dengan keputusan RUPS tahun buku 2024, Rapat In accordance with the resolution of the GMS for the
memberikan kuasa kepada Presiden Komisaris Perseroan 2024 fiscal year, the meeting authorized the President
untuk menetapkan gaji dan tunjangan anggota Direksi Commissioner to determine the salaries and allowances of
Perseroan serta honorarium dan tunjangan anggota the Company's Board of Directors, as well as the honoraria
Dewan Komisaris Perseroan yang berlaku sejak tanggal and allowances of the Board of Commissioners, effective
keputusan Pemegang Saham hingga penutupan RUPS from the date of the Shareholders' resolution until the closing
Tahunan Perseroan tahun 2025. of the Company's Annual GMS in 2025.
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Tata Kelola Perusahaan
Corporate Governance
Struktur dan Besaran Remunerasi Dewan Structure and Amount of Remuneration for the
Komisaris Tahun 2024 Board of Commissioners in 2024
Sebagaimana diatur dalam Pedoman Tata Kelola Perseroan As stipulated in the Company's Governance Guidelines dated
tertanggal 13 Februari 2023 dan Pedoman Komite Nominasi February 13, 2023 and the Nomination and Remuneration
dan Remunerasi tertanggal 7 April 2022, pengawasan atas Committee Guidelines dated April 7, 2022, supervision of the
kebijakan remunerasi bagi anggota Direksi dan anggota remuneration policy for members of the Board of Directors
Dewan Komisaris dilaksanakan oleh Dewan Komisaris and members of the Board of Commissioners is completed
dengan dibantu oleh Komite Nominasi dan Remunerasi. by the Board of Commissioners with the assistance of the
Dalam menjalankan fungsi remunerasi, Komite Nominasi Nomination and Remuneration Committee. In carrying out the
dan Remunerasi bertanggung jawab untuk memberikan remuneration function, the Nomination and Remuneration
rekomendasi dan/atau membantu Dewan Komisaris dalam Committee is responsible for providing recommendations
menetapkan: and/or assisting the Board of Commissioners in determining:
1. Struktur remunerasi anggota Direksi dan anggota Dewan 1. The remuneration structure for members of the Board
Komisaris; of Directors and the Board of Commissioners;
2. Kebijakan atas remunerasi anggota Direksi dan anggota 2. Policies on the remuneration of members of the Board
Dewan Komisaris; dan of Directors and the Board of Commissioners; and
3. Besaran atas remunerasi anggota Direksi dan anggota 3. The amount of remuneration for members of the Board
Dewan Komisaris. of Directors and the Board of Commissioners.
Remunerasi Dewan Komisaris dan Direksi Board of Commissioners and Directors’ Remuneration
Pada tahun 2024, total remunerasi untuk anggota Direksi, In 2024, the total remuneration for members of the Board of
Dewan Komisaris, dan Personil Manajemen Kunci tercatat Directors, Board of Commissioners, and Key Management
sebesar Rp140.063 miliar. Personnel amounted to Rp140,063 billion.
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Kebijakan Keberagaman Komposisi Dewan
Komisaris dan Direksi
Diversity Policy Composition of the Board of Commissioners and Directors
Penetapan komposisi Dewan Komisaris dan Direksi Perseroan dilakukan dengan mempertimbangkan kebutuhan dan
kompleksitas bisnis yang dijalani. Dalam prosesnya, Perseroan senantiasa mengedepankan aspek keberagaman, keahlian,
pengetahuan, dan pengalaman dalam memilih sumber daya manusianya. Melalui keberagaman komposisi Dewan Komisaris
dan Direksi yang beragam, masing-masing individu dapat menciptakan organisasi yang kaya akan perspektif sehingga akan
tercermin pada aspek operasional dan bisnis yang semakin berkembang dan inovatif. Melalui keberagaman pada posisi top
management, Perseroan juga berupaya untuk mempertajam objektivitas dalam proses pengambilan keputusan sehingga
dapat meningkatkan performa Perseroan secara keseluruhan.
Pada tahun 2024, keberagaman komposisi Dewan Komisaris dan Direksi Perseroan tercermin pada beberapa aspek
sebagaimana dapat dilihat pada tabel di bawah ini:
Tabel Keberagaman Komposisi Anggota Dewan Komisaris
Jenis Kelamin Usia (Tahun) Latar Belakang Pendidikan
Nama Jabatan Gender Age (Years Old) Educational Background
Name Position Pria Wanita Sarjana Magister Doktoral
40-49 50-59 60-70 >70
Male Female Undergraduate Master Doctoral
Dewan Komisaris
Board of Commissioners
Suparno Presiden
Djasmin Komisaris
President
Commissioner
R. Nunu Komisaris
Soetjahja Independen
Noegroho Independent
Commissioner
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Tata Kelola Perusahaan
Corporate Governance
The composition of the Company's Board of Commissioners and Directors is determined by considering the needs and
complexity of the business. In the process, the Company always prioritizes diversity, expertise, knowledge, and experience
in selecting its human capital. Through the diverse composition of the Board of Commissioners and Directors, each individual
can create an organization that is rich in perspective, which will be reflected in increasingly developed and innovative
operational and business aspects. Through diversity in top management positions, the Company also strives to sharpen
objectivity in the decision-making process so as to improve the Company's overall performance.
In 2024, the diversity of the composition of the Company's Board of Commissioners and Board of Directors is reflected in
several aspects as can be seen in the table below:
Pengalaman
Experience
• Chief Executive Officer at PT Astra International Tbk-Isuzu Sales Operation
• Marketing Director PT Astra Daihatsu Motor
• Chief Executive Officer at PT Astra International Tbk-Daihatsu Sales Operation
• Deputy Director in Charge Astra Motor III (Non Toyota)-Sales Operation, PT Astra International Tbk
• Deputy of Director for Toyota Sales Operation and Astra World Sales Operation at PT Astra International Tbk
• CEO of PT Astra International Tbk-Toyota Sales Operation
• Vice President Director at PT Toyota Astra Motor
• Director at PT Toyota Motor Manufacturing Indonesia
• Director at PT ToyoFuji Serasi Indonesia
• Commissioner at PT Astra Sedaya Finance
• Commissioner at PT Menara Astra
• Commissioner at PT Serasi Auto Raya
• Commissioner at PT Asuransi Astra Buana
• Commissioner PT Toyota Astra Financial Services
• Vice President Commissioner at PT Astra Sedaya Finance
• Vice President Commissioner at Astra Aviva Life
• Vice President Commissioner Astra Aviva Life at Bank Permata
• Vice President Director PT Toyota Astra Motor
• President Commissioner at PT Astra Mitra Ventura
• President Commissioner at PT Serasi Autoraya
• Division Head E-Commerce PT Astra Sedaya Finance
• Division Head CRM PT Astra Sedaya Finance
• Division Head National Service (Operation) PT Astra
• Sedaya Finance Division Head General Affair PT Astra Sedaya Finance
• Division Head Corporate Compliance & Audit PT Astra Sedaya Finance
• Division Head National Operation PT Astra Sedaya Finance
• Presiden Direktur PT Staco Estika Sedaya Finance
• Division Head Human Capital PT Astra Sedaya Finance
• Presiden Direktur PT Stacomitra Graha
• Direktur PT Federal International Finance
• Komisaris PT Sharia Multifinance Astra.
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Jenis Kelamin Usia (Tahun) Latar Belakang Pendidikan
Nama Jabatan Gender Age (Years Old) Educational Background
Name Position Pria Wanita Sarjana Magister Doktoral
40-49 50-59 60-70 >70
Male Female Undergraduate Master Doctoral
Gede Harja Komisaris
Wasistha Independen
Independent
Commissioner
Thomas Junaidi Komisaris
Alim Wijaya Commissioner
Direksi
Board of Directors
Siswadi Presiden Direktur
President Director
Indra Gunawan Direktur
Director
Setia Budi Direktur
Director
Sri Harjati Direktur
Director
Valentina Chai Direktur
Wei Li Director
Daniel Hartono Direktur
Director
Informasi lebih lengkap mengenai keberagaman komposisi Dewan Komisaris dan Direksi Perseroan dapat dilihat pada
profil masing-masing anggota Dewan Komisaris dan Direksi yang pengungkapannya sudah dilakukan pada Bab Profil
Perusahaan, dalam Laporan Tahunan ini.
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Tata Kelola Perusahaan
Corporate Governance
Pengalaman
Experience
• Asisten Dosen di Fakultas Ekonomi dan Bisnis Universitas Indonesia
• Manajer Keuangan dan Administrasi di Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Indonesia
• Sekretaris Program Studi di Magister Akuntansi dan Program Pendidikan Profesi Akuntan (PPAk) Fakultas Ekonomi dan Bisnis
Universitas Indonesia
• Anggota Komite Audit di PT Astragraphia Tbk
• Anggota Komite Audit di PT Pertamina Hulu Energi
• Anggota Komite Audit di PT Astra Sedaya Finance
• Ketua Program Studi di Magister Akuntansi dan Program Pendidikan Profesi Akuntan (PPAk) Fakultas Ekonomi dan Bisnis
Universitas Indonesia
• Anggota Komite Audit dan Komite Pemantau Risiko di PT Federal International Finance
• Anggota Komite Audit di PT Serasi Autoraya
• Anggota Komite Pemantau Risiko di PT Swadharma Bhakti Sedaya Finance
• Anggota Komite Audit dan Komite Pemantau Risiko di PT Astra Auto Finance
• Wakil Dekan Bidang Sumberdaya, Ventura, dan Administrasi Umum di Fakultas Ekonomi dan Bisnis Universitas Indonesia
• Anggota Komite Audit di PT Astragraphia Tbk
• Anggota Komite Audit dan Komite Pemantau Risiko di PT Toyota Astra Finance
• Anggota Komite Audit dan Komite Pemantau Risiko di PT Astra Sedaya Finance
• Sales & Logistic Department Head PT Astra Honda Motor
• Sales Region Department Head PT Astra Honda Motor
• Deputy Sales Division Head PT Astra Honda Motor
• Sales Division Head PT Astra Honda Motor
• Marketing Director PT Astra Honda Motor
• Branch Head Cilacap FIFGROUP
• Branch Head Balikpapan FIFGROUP
• Branch Head Medan FIFGROUP
• Marketing Department Head FIFGROUP
• Department Head Repossession and Inventory FIFGROUP
• Branch Management Division Head FIFGROUP
• Chief of Risk Management & Business Development FIFGROUP
• Chief of Business Development & Corporate Planning FIFGROUP
• President Commissioner of PT Astra Digital Arta
• Head of Pekanbaru Branch Office FIFGROUP
• Head of Surabaya Branch Office FIFGROUP
• Human Capital Department Head FIFGROUP
• Human Capital & General Services Division Head FIFGROUP
• Chief of Human Capital FIFGROUP
• Chief of Operation Management FIFGROUP
• Head of Accounting & Tax Department FIFGROUP
• Head of Corporate Accounting & Budget Division FIFGROUP
• Head of Corporate Budget, Accounting & Tax Division FIFGROUP
• Director of PT Astra Multi Finance
• Head of Human Capital Division FIFGROUP
• Head of Corporate Development Division and Chief of Group Treasury PT Astra International Tbk
• Associate Director, Chemicals, Global Banking and Markets HSBC, London
• Corporate Finance Manager of Jardine Cycle & Carriage, Singapore
• Electronic Financing Officer FIFGROUP
• NMC Financing Marketing Area 2 Officer FIFGROUP
• Marketing Intelligence and PDCA Sub Dept. Head FIFGROUP
• Marketing Intelligence & PDCA Department Head FIFGROUP
• NMC Financing Marketing Region II Deputy Division Head FIFGROUP
• Chief Marketing Officer (CMO) of PT Astra WeLab Digital Arta
• President Director (CEO) of PT Astra Kreasi Digital
More detailed information regarding the diversity of the composition of the Company's Board of Commissioners and Directors
can be seen in the profiles of each member of the Board of Commissioners and Directors, which have been disclosed in
the Company Profile Chapter of this Annual Report.
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Pengungkapan Hubungan Afiliasi Anggota Dewan
Komisaris, Direksi, dan Pemegang Saham Utama
Disclosure of Affiliation Relationships of Members of the Board of Commissioners, Directors,
and Majority Shareholders
Pengungkapan mengenai hubungan afiliasi keuangan dan The disclosure regarding financial and family affiliations
keluarga antara anggota Direksi dan Dewan Komisaris, serta between members of the Board of Directors and Board of
pemegang saham utama dan/atau pengendali Perseroan Commissioners, as well as the Company's majority and/or
mengacu pada ketentuan POJK No. 30/POJK.05/2014 controlling shareholders, refers to the provisions of POJK
jo. POJK No. 29/POJK.05/2020 tentang Tata Kelola No. 30/POJK.05/2014 in conjunction wtih POJK No. 29/
Perusahaan yang Baik Bagi Perusahaan Pembiayaan. POJK.05/2020 concerning Good Corporate Governance
Dengan berpedoman pada regulasi tersebut, maka for Financing Companies. Guided by these regulations, the
kriteria hubungan afiliasi yang wajib diungkapkan untuk criteria for affiliate relationships that must be disclosed to
mengukur independensi Dewan Komisaris dan Direksi, measure the independence of the Board of Commissioners
adalah sebagai berikut: and Board of Directors are as follows:
1. Hubungan keluarga karena perkawinan atau keturunan 1. Family affiliation by marriage or descent to the second
sampai derajat kedua, baik secara horizontal maupun degree, either horizontally or vertically with employees,
vertikal dengan pegawai, anggota Direksi, anggota members of the Board of Directors, members of the
Dewan Komisaris, anggota DPS dan/atau pemegang Board of Commissioners, members of DPS and/or
saham; shareholders;
2. Hubungan dengan Perseroan karena adanya kesamaan 2. Affiliation with the Company due to the similarity of one
satu atau lebih anggota Direksi atau Dewan Komisaris; or more members of the Board of Directors or the Board
of Commissioners;
3. Hubungan pengendalian dengan Perseroan baik 3. Controlling affiliation with the Company, either directly
langsung maupun tidak langsung; or indirectly;
4. Hubungan kepemilikan saham dalam Perseroan sebesar 4. Shares ownership affiliation in the Company of 20% or
20% atau lebih; dan/atau more; and/or
5. Hubungan antara 2 (dua) perusahaan yang dikendalikan, 5. Affiliation between 2 (two) companies that are controlled,
baik langsung maupun tidak langsung, oleh pihak either directly or indirectly, by the same party.
yang sama.
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Tata Kelola Perusahaan
Corporate Governance
Informasi lebih rinci tentang hubungan afiliasi Dewan More detailed information on the Board of Commissioners
Komisaris dan Direksi dijelaskan pada tabel di bawah ini: and Board of Directors' affiliations is described in the
table below:
Tabel Hubungan Afiliasi Dewan Komisaris, Direksi, dan Pemegang Saham Utama
Table of Affiliation Relationships Among the Board of Commissioners, Board of Directors, and Majority Shareholders
Hubungan Keuangan Dengan Hubungan Afiliasi Dengan
Financial Relationship With Affiliated With
Dewan Pemegang Dewan Pemegang
Direksi Direksi
Nama Komisaris Saham Utama Komisaris Saham Utama
Board of Board of
Name Board of Majority Board of Majority
Directors Directors
Commissioners Shareholders Commissioners Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Suparno Djasmin - - - - - -
R. Nunu Soetjahja - - - - - -
Noegroho
Gede Harja Wasistha - - - - - -
Thomas Junaidi Alim - - - - - -
Wijaya
Siswadi - - - - - -
Indra Gunawan
Setia Budi - - - - - -
Sri Harjati - - - - - -
Valentina Chai Wei Li - - - - - -
Daniel Hartono - - - - - -
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Komite-Komite Pendukung di Bawah
Dewan Komisaris
Supporting Committees Under the Board of Commissioners
KOMITE AUDIT
AUDIT COMMITTEE
Komite Audit merupakan Organ yang dibentuk oleh The Audit Committee is a governing body formed by the
Perseroan untuk menunjang pelaksanaan fungsi pengawasan Company's to support the implementation of the Board of
Dewan Komisaris terhadap aktivitas perencanaan hingga Commissioners' supervisory function over planning activities
pelaksanaan audit termasuk memantau tindak lanjut hasil up to the implementation of audits, including monitoring the
audit guna menilai kecukupan pengendalian internal, follow-up of audit results to assess the adequacy of internal
termasuk kecukupan proses pelaporan keuangan. Komite controls, including the adequacy of the financial reporting
Audit juga bertugas memastikan kesesuaian praktik process. The Audit Committee is also tasked with ensuring
operasional dan bisnis Perseroan terhadap prinsip-prinsip that the Company's operational and business practices are
GCG dan peraturan perundang-undangan yang berlaku in accordance with GCG principles and applicable laws
khususnya yang relevan dengan bidang usaha pembiayaan. and regulations, especially those relevant to the financing
Dalam menjalankan tugas dan tanggung jawabnya, Komite business sector. In doing its duties and responsibilities, the
Audit juga menjalankan fungsi pengawasan berdasarkan Audit Committee also carries out a supervisory function
informasi yang dipersiapkan oleh Direksi, Internal Audit, based on information prepared by the Board of Directors,
Auditor Eksternal, Corporate Secretary, Accounting, dan Internal Audit, External Auditor, Corporate Secretary,
CRM (Customer Relationship Management). Accounting, and CRM (Customer Relationship Management).
Pembentukan Komite Audit mengacu pada ketentuan POJK The establishment of the Audit Committee refers to the
No. 30/POJK.05/2014 jo. POJK No. 29/POJK.05/2020 provisions of POJK No. 30/POJK.05/2014 in conjunction with
tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan POJK No. 29/POJK.05/2020 concerning the Good Corporate
Pembiayaan. Sebagaimana tertera pada ketentuan Governance for Financing Companies. As stipulated in its
pembentukannya, Komite Audit senantiasa memastikan formation provisions, the Audit Committee consistently
bahwa seluruh kegiatan bisnis dan operasional Perseroan ensures that all Company business and operational activities
telah berjalan sesuai dengan praktik bisnis yang sehat sesuai are performed in accordance with sound business practices,
dengan ketentuan perundang-undangan dan prinsip-prinsip as prescribed by laws and regulations, and the applicable
GCG yang berlaku di Perseroan. principles of GCG within the Company.
Pedoman Komite Audit Audit Committee Charter
Dalam menjalankan tugas dan tanggung jawab pengawasan, In carrying out their supervisory duties and responsibilities,
seluruh anggota Komie Audit wajib berpedoman pada Pedoman all members of the Audit Committee are required to adhere
Komite Audit. Dengan adanya Pedoman ini diharapkan to the Audit Committee Charter. With this Charter, it is
Komite Audit dapat menjalankan tugas dan fungsinya secara hoped that the Audit Committee can carry out its duties
transparan, objektif dan independen, sehingga laporan and functions transparently, objectively and independently,
pelaksanaan tugasnya dapat dipertanggungjawabkan dan so that reports on the implementation of its duties can be
diterima oleh semua pihak yang berkepentingan. accounted for and accepted by all interested parties.
Isi Pedoman Komite Audit Perseroan, secara umum meliputi: The contents of the Company's Audit Committee Charter
generally include:
1. Maksud & tujuan umum; 1. General aims & objectives;
2. Peran dan tanggung jawab; 2. Roles and responsibilities;
3. Wewenang; 3. Authorities;
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Tata Kelola Perusahaan
Corporate Governance
4. Ketentuan mengenai penanganan pengaduan atau 4. Provisions regarding the handling of complaints or
pelaporan sehubungan dugaan pelanggaran terkait reports regarding alleged violations related to financial
pelaporan keuangan; reporting;
5. Organisasi: keanggotaan & rapat; 5. Organization: membership & meetings;
6. Perubahan terhadap piagam dan kinerja Komite Audit; 6. Amendments to the charter and performance of the
dan Audit Committee; and
7. Lain-lain. 7. Others.
Penyusunan Pedoman Komite Audit Perseroan telah The preparation of the Company's Audit Committee Charter
diselaraskan dengan peraturan yang berlaku seperti POJK has been aligned with applicable regulations such as POJK
No. 30/POJK.05/2014 jo. POJK No. 29/POJK.05/2020 No. 30/POJK.05/2014 in conjunction with POJK No. 29/
tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan POJK.05/2020 concerning Good Corporate Governance for
Pembiayaan, serta POJK No. 55/POJK.04/2015 tentang Financing Companies, as well as POJK No. 55/POJK.04/2015
Pembentukan dan Pelaksanaan Kerja Komite Audit. concerning the Establishment and Implementation of the
Work of the Audit Committee.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
Uraian tugas dan tanggung jawab Komite Audit sesuai The description of the duties and responsibilities of the
dengan yang tercantum dalam Pedoman Komite Audit, Audit Committee as stated in the Audit Committee Charter
adalah sebagai berikut: are as follows:
1. Melakukan pengawasan terhadap: 1. Supervise:
a. Laporan Keuangan a. Financial Reports
Kredibilitas dan objektivitas laporan keuangan The credibility and objectivity of the Company's
Perseroan yang akan diberikan kepada pihak financial reports to be provided to external parties
eksternal dan regulator, termasuk penindaklanjutan and regulators, including follow-up on complaints
keluhan dan/atau catatan ketidakwajaran terhadap and/or reports of irregularities during the Audit
laporan selama periode pengkajian Komite Audit; Committee's review period;
b. Pengendalian Internal b. Internal Control
Kecukupan proses untuk mengidentifikasi dan The adequacy of processes to identify and mitigate
memitigasi risiko keuangan dan bisnis; financial and business risks;
c. Kegiatan Assurance c. Assurance Activities
Rencana dan hasil kegiatan yang dilakukan oleh Plans and results of activities carried out by Internal
Audit Internal, Auditor Eksternal, dan penyedia jasa Audit, External Auditors, and other insurance
asuransi lainnya untuk menilai apakah risiko-risiko service providers to assess whether key risks have
utama telah tercakup dan dievaluasi secara memadai been adequately covered and evaluated in the
di dalam pelaksanaan tugas mereka; performance of their duties;
d. Objektivitas dan Independensi d. Objectivity and Independence
Ojektivitas dan independensi Auditor Internal dan Objectivity and independence of Internal and
Eksternal; External Auditors;
e. Aspek Hukum e. Legal Aspects
Proses dan pelaporan kasus hukum signifikan yang Process and reporting of significant legal cases in
ada di lingkungan Perseroan; dan the Company's environment; and
f. Kepatuhan f. Compliance
Kepatuhan dengan hukum dan undang-undang Compliance with relevant laws and regulations and
terkait serta Kode Etik Perseroan. the Company's Code of Conduct.
2. Melaksanakan tanggung jawab pelaporan yang 2. Carry out reporting responsibilities which include:
mencakup:
a. Laporan tertulis kepada Dewan Komisaris sekurang a. A written report to the Board of Commissioners at
- kurangnya satu kali per kuartal yang berisi rincian least once every quarter containing details of the
kegiatan Komite Audit, menyediakan rekomendasi Audit Committee's activities, providing follow-up
tindak lanjut, dan paparan hal-hal signifikan yang recommendations, and outlining significant matters
perlu diketahui oleh Dewan Komisaris; that the Board of Commissioners needs to be aware of;
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b. Memberi rekomendasi kepada Dewan Komisaris b. Make recommendations to the Board of
mengenai penunjukan Audit Eksternal dengan Commissioners regarding the appointment of an
m e m p e r t i m b a n g k a n c a k u p a n p e ke r j a a n , External Auditor, taking into account the scope of
independensi, dan kewajaran biaya jasa Audit work, independence, and reasonableness of the
Eksternal; External Auditor's service fees;
c. Memastikan bahwa Direksi telah mengambil langkah- c. Ensuring that the Board of Directors has taken
langkah yang tepat mengenai hal-hal yang dirujuk appropriate steps regarding matters referred to in
oleh laporan Komite Audit sebelumnya, serta the previous Audit Committee report, and reporting
melaporkan ketidaksesuaian signifikan dari pihak significant non-compliance by the relevant party to
yang bersangkutan untuk menindaklanjuti tindakan the Board of Commissioners to follow up on such
tersebut kepada Dewan Komisaris; actions;
d. Menyiapkan laporan untuk disertakan ke dalam d. Preparing a report to be included in the Annual
Laporan Tahunan berisi rincian kegiatan Komite Report containing details of the Audit Committee's
Audit yang mengungkap antara lain: activities, which disclose, among others:
• Pelanggaran signifikan dari hukum dan peraturan • Significant violations of applicable laws and
yang berlaku; regulations;
• Kesalahan signifikan atau pengungkapan laporan • Significant or improper disclosure of financial
keuangan yang tidak layak; statements;
• Kurangnya sistem pengendalian internal; • Lack of internal control systems;
• Kurang memadainya independensi Auditor • Lack adequate level of independence of the -
Eksternal atau Auditor Internal; External Auditor or Internal Auditor;
• Perbedaan pendapat yang signifikan antara • Significant differences of opinion between
Manajemen dan Auditor Eksternal; Management and the External Auditor;
• Setiap hal yang berpotensi menjadi konflik • Any matter with the potential to become a
kepentingan yang signifikan diidentifikasikan significant conflict of interest identified by the
oleh Komite Audit selama periode pengkajiannya; Audit Committee during its review period; and
dan
• Penyediaan pelaporan khusus kepada Dewan • Provision of special reports to the Board of
Komisaris sebagaimana diperlukan. Commissioners as needed.
Masa Jabatan Komite Audit Term of Office of the Audit Committee
Setiap pengangkatan dari Komite Audit akan berlaku selama Each appointment to the Audit Committee will be valid for 2
2 tahun dan setiap anggota Komite Audit dapat menjabat years and each member of the Audit Committee can serve
paling lama 2 (dua) periode berturut-turut. a maximum of 2 (two) consecutive terms.
Struktur dan Keanggotaan Komite Audit Structure and Membership of the Audit Committee
Susunan keanggotaan Komite Audit Perseroan terdiri The membership of the Company's Audit Committee consists
dari 1 (satu) orang Komisaris Independen yang bertindak of 1 (one) Independent Commissioner who acts as chairman,
sebagai ketua, serta 2 (dua) anggota lainnya berasal dari and 2 (two) other members who are from external parties
pihak eksternal yang independen dan memiliki kompetensi who are independent and have competent competence in
mumpuni di bidang audit, keuangan, dan/atau akuntansi. the fields of audit, finance, and/or accounting. Members of
Anggota Komite Audit adalah tenaga ahli yang bukan the Audit Committee are experts who are not employees
merupakan karyawan Perseroan dan tidak mempunyai of the Company and have no financial relationship with
keterkaitan finansial dengan Perseroan. the Company.
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Tata Kelola Perusahaan
Corporate Governance
Sepanjang tahun 2024, komposisi Komite Audit Perseroan Throughout 2024, the composition of the Company's Audit
mengalami perubahan dengan kronologis sebagai berikut: Committee has changed as follows:
1 Januari – 19 April 2024
January 1 – April 19, 2024
Rangkap Jabatan
Nama Jabatan di Perseroan Dasar Pengangkatan Masa Jabatan
No.
Name Position Concurrent Position Legal Basis of Appointment Term of Office
in the Company
1. R. Nunu Soetjahja Ketua Komite Audit Komisaris Surat Keputusan Sirkuler RUPS Tahunan
Noegroho Chairman of the Audit Independen Dewan Komisaris Sebagai tanggal 7 April 2022-
Committee Independent Pengganti Rapat Dewan RUPS Tahunan tahun
Commissioner Komisaris Perseroan No. L.Leg/ 2024
SPDK-003/FIF/2022 tanggal 7 AGMS dated April 7,
April 2022 2022-AGMS in 2024
Circular Decree of the Board of
Commissioners as a Substitute
of the Company’s Board of
Commissioners Meeting No.
L.Leg/SPDK- 003/FIF/2022
dated April 7, 2022
2. Lindawati Gani Anggota Komite Audit Anggota Komite Surat Keputusan Sirkuler RUPS Tahunan
Member of the Audit Pemantau Risiko Dewan Komisaris Sebagai tanggal 7 April 2022-
Committee Member of the Pengganti Rapat Dewan RUPS Tahunan tahun
Risk Monitoring Komisaris Perseroan No. L.Leg/ 2024
Committee SPDK-003/FIF/2022 tanggal 7 AGMS dated April 7,
April 2022 2022-AGMS in 2024
Circular Decree of the Board of
Commissioners as a Substitute
of the Company’s Board of
Commissioners Meeting No.
L.Leg/SPDK- 003/FIF/2022
dated April 7, 2022
3. Regina Okthory Anggota Komite Audit Anggota Komite Surat Keputusan Sirkuler RUPS Tahunan
Member of the Audit Pemantau Risiko Dewan Komisaris Sebagai tanggal 7 April 2022-
Committee Member of the Pengganti Rapat Dewan RUPS Tahunan tahun
Risk Monitoring Komisaris Perseroan No. L.Leg/ 2024
Committee SPDK-003/FIF/2022 tanggal 7 AGMS dated April 7,
April 2022 2022-AGMS in 2024
Circular Decree of the Board of
Commissioners as a Substitute
of the Company’s Board of
Commissioners Meeting No.
L.Leg/SPDK- 003/FIF/2022
dated April 7, 2022
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19 April – 31 Desember 2024
April 19 – December 31, 2024
Rangkap Jabatan di
Nama Jabatan Perseroan Dasar Pengangkatan Masa Jabatan
No.
Name Position Concurrent Position Legal Basis of Appointment Term of Office
in the Company
1. Gede Harja Ketua Komite Audit Komisaris Surat Keputusan Sirkuler RUPS Tahunan
Wasistha Chairman of the Independen Dewan Komisaris Sebagai tanggal 19 April 2024-
Audit Committee Perseroan Pengganti Rapat Dewan RUPS Tahunan tahun
Independent Komisaris Perseroan No. L.Leg/ 2026
Commissioner of the SPDK-004/FIF/2024 AGMS dated April 19,
Company Circular Decree of the Board of 2024-AGMS in 2026
Commissioners as a Substitute
of the Company’s Board of
Commissioners Meeting No.
L.Leg/SPDK- 004/FIF/2024
2. Hardi Montana Anggota Komite Anggota Komite Surat Keputusan Sirkuler RUPS Tahunan
Audit Pemantau Risiko Dewan Komisaris Sebagai tanggal 19 April 2024-
Member of the Audit Member of the Pengganti Rapat Dewan RUPS Tahunan tahun
Committee Risk Monitoring Komisaris Perseroan No. L.Leg/ 2026
Committee SPDK-004/FIF/2024 AGMS dated April 19,
Circular Decree of the Board of 2024-AGMS in 2026
Commissioners as a Substitute
of the Company’s Board of
Commissioners Meeting No.
L.Leg/SPDK- 004/FIF/2024
3. Juliani Eliza Anggota Komite Anggota Komite Surat Keputusan Sirkuler RUPS Tahunan
Syaftari Audit Pemantau Risiko Dewan Komisaris Sebagai tanggal 19 April 2024-
Member of the Audit Member of the Pengganti Rapat Dewan RUPS Tahunan tahun
Committee Risk Monitoring Komisaris Perseroan No. L.Leg/ 2026
Committee SPDK-004/FIF/2024 AGMS dated April 19,
Circular Decree of the Board of 2024-AGMS in 2026
Commissioners as a Substitute
of the Company’s Board of
Commissioners Meeting No.
L.Leg/SPDK- 004/FIF/2024
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Tata Kelola Perusahaan
Corporate Governance
Profil Keanggotaan Komite Audit Audit Committee Membership Profile
Profil Ketua Komite Audit Chairman of the Audit Committee Profile
GEDE HARJA WASISTHA
Ketua Komite Audit | Chairman of the Audit Committee
Usia | Age Kewarganegaraan | Citizenship
53 tahun | years old Indonesia
Sertifikasi Profesi • Certified Professional Management Accountant (CPMA) dari The
Professional Certification • Indonesia Institute of Management Accountant (IAMI) (2018)
• Chartered Accountant dari Indonesian Institute of Accountant (IAI) (2013)
• Investment Manager Representatives (WMI) dari Committee for Capital
• Market Professional Standars (PSPPM) (2002)
• Certified Management Accountant (CMA) dari The Institute of Certified
Management Accountants (ICMA) (2001)
• Certificate of P1 & P2 dari Indonesian Society of Appraisers (1996)
• Registered Accountant (Ak) dari Ministry of Finance, Republic of Indonesia
(1995)
• Certified Professional Management Accountant (CPMA) from The
Indonesia Institute of Management Accountants (IAMI) (2018)
• Chartered Accountant from the Indonesian Institute of Accountants (IAI)
(2013)
• Investment Manager Representatives (WMI) from the Committee for
Capital Market Professional Standards (PSPPM) (2002)
• Certified Management Accountant (CMA) from The Institute of Certified
Management Accountants (ICMA) (2001)
• Certificate of P1 & P2 from the Indonesian Society of Appraisers (1996)
• Registered Accountant (Ak) from the Ministry of Finance, Republic of
Indonesia (1995)
Rangkap Jabatan • Komisaris Independen PT Federal International Finance
Concurrent Position • Anggota Komite Audit dan Komite Pemantau Risiko PT Indo Tambangraya
Megah Tbk
• Anggota Komite Audit dan Komite Pemantau Risiko PT Asuransi Astra
Buana
• Independent Commissioner of PT Federal International Finance
• Member of the Audit Committee and Risk Monitoring Committee of PT
Indo Tambangraya Megah Tbk
• Member of the Audit Committee and Risk Monitoring Committee of PT
Asuransi Astra Buana
Profil lengkap Bapak Gede Harja Wasistha selaku Ketua Komite Audit yang juga merangkap jabatan sebagai Komisaris Independen Perseroan telah diuraikan dengan rinci
pada Bab Profil Perusahaan, Sub-bab Profil Dewan Komisaris, halaman 106.
The complete profile of Mr. Gede Harja Wasistha as Chairman of the Audit Committee who also concurrently serves as an Independent Commissioner of the Company has
been described in detail in the Company Profile Chapter, Board of Commissioners Profile Sub-chapter, page 106.
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Profil Anggota Komite Audit Member of the Audit Committee Profile
Semua anggota Komite Audit Perseroan berstatus Warga All members of the Company's Audit Committee are
Negara Indonesia (WNI). Berikut uraian profil lengkap Indonesian citizens. The following is a complete profile
anggota Komite Audit Perseroan: description of the Company's Audit Committee members:
HARDI MONTANA
Anggota Komite Audit | Audit Committee Profile
Usia | Age Kewarganegaraan | Citizenship
69 tahun | years old Indonesia
Riwayat Pendidikan • Risk & Insurance dari Glasgow Caledonian University (1986)
Educational History • Sarjana Akuntansi dari Universitas Indonesia (1983)
• Risk & Insurance from Glasgow Caledonian University (1986)
• Bachelor's degree in Accounting from Universitas Indonesia (1983)
Sertifikasi Profesi • Sertifikasi Dasar Pembiayaan dari SPPI (2017)
Professional Certification • Chartered Insurer dari Chartered Insurance Institute, UK (1995)
• Ahli Asuransi Indonesia – Kerugian (A2I-K) dari Ahli Manajemen Asuransi
Indonesia (AAMAI) (1990)
• Associateship of the Chartered Insurance Institute (ACII) dari Chartered
Insurance Institute, UK (1987)
• Basic Financing Certification from SPPI (2017)
• Chartered Insurer from the Chartered Insurance Institute, UK (1995)
• Indonesian Insurance Expert – General Insurance (A2I-K) from the
Indonesian Insurance Management Experts Association (AAMAI) (1990)
• Associateship of the Chartered Insurance Institute (ACII) from the
Chartered Insurance Institute, UK (1987)
Riwayat Pekerjaan • Anggota Komite Audit di PT Surya Artha Nusantara Finance (2018-2022)
Career History • Komisaris Independen di PT Astra Auto Finance (2017-2018)
• Ketua Komite Audit di PT Astra Auto Finance (2017-2018)
• Ketua Komite Pemantau Risiko di PT Astra Auto Finance (2017-2018)
• Anggota Komite Audit di PT Tunas Ridean (2016-2023)
• Komisaris Independen di PT Surya Artha Nusantara Finance (2015-2022)
• Ketua Komite Pemantau Risiko di PT Surya Artha Nusantara Finance
(2015-2022)
• Ketua Komite Nominasi dan Remunerasi di PT Surya Artha Nusantara
Finance (2015-2022)
• Komisaris di PT Astra Aviva Life (2014-2015)
• Presiden Direktur di PT Asuransi Astra Buana (2010-2014)
• Komisaris di PT Samadista Karya (2008-2015)
• Wakil Presiden Direktur di PT Asuransi Astra Buana (1995-2014)
• Presiden Direktur di PT Astra Jardine CMG Life (1992-1994)
• Presiden Direktur di PT Asuransi Jiwa Astra (1991-1992)
• Member of the Audit Committee at PT Surya Artha Nusantara Finance
(2018-2022)
• Independent Commissioner at PT Astra Auto Finance (2017-2018)
• Chairman of the Audit Committee at PT Astra Auto Finance (2017-2018)
• Chairman of the Risk Monitoring Committee at PT Astra Auto Finance
(2017-2018)
• Member of the Audit Committee at PT Tunas Ridean (2016-2023)
• Independent Commissioner at PT Surya Artha Nusantara Finance (2015-
2022)
• Chairman of the Risk Monitoring Committee at PT Surya Artha Nusantara
Finance (2015-2022)
• Chairman of the Nomination and Remuneration Committee at PT Surya
Artha Nusantara Finance (2015-2022)
• Commissioner at PT Astra Aviva Life (2014-2015)
• President Director at PT Asuransi Astra Buana (2010-2014)
• Commissioner at PT Samadista Karya (2008-2015)
• Deputy President Director at PT Asuransi Astra Buana (1995-2014)
• President Director at PT Astra Jardine CMG Life (1992-1994)
• President Director at PT Asuransi Jiwa Astra (1991-1992)
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Tata Kelola Perusahaan
Corporate Governance
Rangkap Jabatan di • Komisaris Independen di PT Swadharma Bhakti Sedaya Finance
Perusahaan Lain (2018-sekarang)
Concurrent Positions in • Ketua Komite Audit di PT Swadharma Bhakti Sedaya Finance
Other Companies (2018-sekarang)
• Ketua Komite Pemantau Risiko di PT Swadharma Bhakti Sedaya Finance
(2018-sekarang)
• Ketua Komite Nominasi dan Remunerasi di PT Swadharma Bhakti Sedaya
Finance (2018-sekarang)
• Anggota Komite Audit di PT Asuransi Jiwa Astra (2015-sekarang)
• Anggota Komite Pemantau Risiko di PT Asuransi Jiwa Astra
(2015-sekarang)
• Independent Commissioner at PT Swadharma Bhakti Sedaya Finance
(2018–present)
• Chairman of the Audit Committee at PT Swadharma Bhakti Sedaya
Finance (2018–present)
• Chairman of the Risk Monitoring Committee at PT Swadharma Bhakti
Sedaya Finance (2018–present)
• Chairman of the Nomination and Remuneration Committee at PT
Swadharma Bhakti Sedaya Finance (2018–present)
• Member of the Audit Committee at PT Asuransi Jiwa Astra (2015–present)
• Member of the Risk Monitoring Committee at PT Asuransi Jiwa Astra
(2015–present)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Komisaris dan
Affiliated Relationship pemegang saham.
Has no affiliate relationship with other members of the Board of Directors,
members of the Board of Commissioners, and Shareholders
JULIANI ELIZA SYAFTARI
Anggota Komite Audit | Audit Committee Profile
Usia | Age Kewarganegaraan | Citizenship
68 tahun | years old Indonesia
Riwayat Pendidikan Bachelor of Arts in Accounting dari University of Canberra (1981)
Educational History Bachelor of Arts in Accounting from University of Canberra (1981)
Sertifikasi Profesi Ahli Manajemen Risiko Perasuransian (AMRP) dari Lembaga Sertifikasi Profesi
Professional Certification Aplikasi Asuransi dan Manajemen Asuransi Indonesia (AAMAI) (2015)
Insurance Risk Management Expert (AMRP) from the Indonesian Insurance
Application and Management Certification Institute (AAMAI) (2015)
Riwayat Pekerjaan • Komisaris Independen di PT Serasi Auto Raya (2020-2024)
Career History • Ketua Komite Audit di PT Serasi Auto Raya (2020-2024)
• Anggota Komite Audit di PT Toyota Astra Financial Services (2020-2024)
• Anggota Komite Pemantau Risiko di PT Toyota Astra Financial Services
(2020-2024)
• Anggota Komite Audit di PT Federal International Finance (2016-2020)
• Anggota Komite Pemantau Risiko di PT Federal International Finance
(2016-2020)
• Anggota Komite Audit di PT Astra Agro Lestari Tbk (2015-2019)
• Anggota Komite Audit di PT Asuransi Astra Buana (2013-2015)
• Anggota Komite Pemantau Risiko di PT Asuransi Astra Buana (2013-2015)
• Direktur di PT Nusa Prima Motor (2012-2014)
• Independent Commissioner at PT Serasi Auto Raya (2020–2024)
• Chairman of the Audit Committee at PT Serasi Auto Raya (2020–2024)
• Member of the Audit Committee at PT Toyota Astra Financial Services
(2020–2024)
• Member of the Risk Monitoring Committee at PT Toyota Astra Financial
Services (2020–2024)
• Member of the Audit Committee at PT Federal International Finance
(2016–2020)
• Member of the Risk Monitoring Committee at PT Federal International
Finance (2016–2020)
• Member of the Audit Committee at PT Astra Agro Lestari Tbk (2015–2019)
• Member of the Audit Committee at PT Asuransi Astra Buana (2013–2015)
• Member of the Risk Monitoring Committee at PT Asuransi Astra Buana
(2013–2015)
• Director at PT Nusa Prima Motor (2012–2014)
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Rangkap Jabatan di • Anggota Komite Audit di PT Astra Sedaya Finance (2024-sekarang)
Perusahaan Lain • Anggota Komite Pemantau Risiko di PT Astra Sedaya Finance
Concurrent Positions in (2024-sekarang)
Other Companies • Anggota Komite Audit di PT Asuransi Astra Buana (2024-sekarang)
• Anggota Komite Audit di PT Astra Agro Lestari Tbk (2023-sekarang)
• Ketua Komite Pemantau Risiko di PT Asuransi Astra Buana
(2018-sekarang)
• Komisaris Independen di PT Asuransi Astra Buana (2015-sekarang)
• Member of the Audit Committee at PT Astra Sedaya Finance (2024–
present)
• Member of the Risk Monitoring Committee at PT Astra Sedaya Finance
(2024–present)
• Member of the Audit Committee at PT Asuransi Astra Buana (2024–
present)
• Member of the Audit Committee at PT Astra Agro Lestari Tbk (2023–
present)
• Chairman of the Risk Monitoring Committee at PT Asuransi Astra Buana
(2018–present)
• Independent Commissioner at PT Asuransi Astra Buana (2015–present)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan Direksi lain, Dewan Komisaris dan
Affiliated Relationship pemegang saham.
Has no affiliate relationship with other members of the Board of Directors,
members of the Board of Commissioners, and Shareholders
Independensi Komite Audit Independence of the Audit Committee
Seluruh anggota Komite Audit yang menjabat saat ini All current members of the Audit Committee are professionals
merupakan para profesional di bidangnya dan dipilih in their respective fields and have been selected based on
berdasarkan integritas, kemampuan, pengetahuan, their integrity, competence, knowledge, and experience
pengalaman sesuai dengan bidang pekerjaannya. relevant to their areas of work.
Seluruh anggota Komite Audit Perseroan dipastikan telah All members of the Company’s Audit Committee meet the
memenuhi persyaratan independensi yang dibuktikan independence requirements, as evidenced by the absence
dengan tidak adanya hubungan afiliasi keuangan, of any financial, managerial, share ownership, and/or family
kepengurusan, kepemilikan saham dan/atau hubungan affiliations with members of the Board of Commissioners,
keluarga dengan anggota Dewan Komisaris, anggota Direksi, Board of Directors, and/or shareholders. They also have
dan/atau pemegang saham atau memiliki hubungan usaha no business relationships with the Company that could
dengan Perseroan yang dapat memengaruhi kemampuannya affect their ability to act and make decisions objectively
untuk bertindak dan mengambil keputusan secara objektif and independently.
dan independen.
Upaya Perseroan dalam menjaga integritas dan independensi The Company’s commitment to maintaining the integrity
Komite Audit ditunjukan melalui struktur keanggotaan Komite and independence of the Audit Committee is reflected in its
Audit yang terdiri dari 1 (satu) orang Ketua yang merupakan membership structure, which consists of one (1) Chairman,
Komisaris Independen, dan 2 (dua) orang Anggota yang who is an Independent Commissioner, and two (2) Members,
merupakan Pihak Independen. who are Independent Parties.
Rapat Komite Audit Audit Committee Meetings
Kebijakan Rapat Meeting Policy
Rapat Komite Audit wajib dilaksanakan sekurang-kurangnya The Audit Committee meeting must be held at least once
1 (satu) kali setiap 3 (tiga) bulan. Pelaksanaan rapat dipimpin every three (3) months. Meetings are led by the Chairman
oleh Ketua Komite Audit atau dalam hal Ketua Komite of the Audit Committee, or in the event the Chairman
berhalangan hadir, maka rapat dipimpin oleh anggota Komite is unavailable, by a committee member appointed by
Audit yang disetujui oleh anggota Komite Audit lainnya yang the attending members. Decisions are made based on
hadir. Keputusan rapat diambil berdasarkan musyawarah deliberation and consensus and are documented in the
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Tata Kelola Perusahaan
Corporate Governance
untuk mufakat dan dituangkan dalam risalah rapat termasuk meeting minutes, including any differing opinions. The
apabila terdapat perbedaan pendapat, yang ditandatangani minutes are signed by all attending committee members
oleh seluruh anggota Komite Audit yang hadir dalam rapat and submitted to the Board of Commissioners.
dan disampaikan kepada Dewan Komisaris.
Frekuensi dan Tingkat Kehadiran Frequency and Attendance Rate
Pada tahun 2024, Komite Audit Perseroan telah In 2024, the Company’s Audit Committee has organized
melaksanakan 8 (delapan) rapat internal dengan informasi eight (8) internal meetings, with the following details:
sebagai berikut:
Nama Jabatan Jumlah Pertemuan Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Attendance Attendance Rate (%)
Gede Harja Wasistha* Ketua Komite Audit 3 3 100%
Chairman of the Audit Committee
Hardi Montana** Anggota Komite Audit 6 6 100%
Member of the Audit Committee
Juliani Eliza Syaftari** Anggota Komite Audit 6 6 100%
Member of the Audit Committee
*) Kehadiran Beliau dalam rapat Komite Audit dihitung sejak Beliau dinyatakan lulus uji kemampuan dan kepatutan sebagai Komisaris Independen yaitu pada 23 September 2024.
**) Kehadiran Beliau dihitung sejak pengangkatan Beliau sebagai anggota komite audit yaitu 19 April 2024.
*) His attendance at the Audit Committee meeting is calculated from the time he is declared to have passed the fit and proper test as an Independent Commissioner on September 23, 2024.
**) His presence is calculated from his appointment as a member of the audit committee on April 19, 2024.
Agenda Rapat Komite Audit Audit Committee Meeting Agenda
Sepanjang tahun 2024, rapat Komite Audit membahas hal- Throughout 2024, the Audit Committee meetings covered
hal berikut ini: the following topics:
1. Pembahasan Kinerja Periode Kuartal 4 2023 tanggal 7 1. Discussion on Q4 2023 Performance – February 7, 2024
Februari 2024
2. Pembahasan Laporan Keuangan dengan Kantor Akuntan 2. Discussion on Financial Statements with the Public
Publik tanggal 16 Februari 2024 Accounting Firm – February 16, 2024
3. Pembahasan Kinerja Periode Kuartal 1 2024 tanggal 3. Discussion on Q1 2024 Performance – April 22, 2024
22 April 2024
4. Pembahasan Kinerja Periode Kuartal 2 2024 tanggal 4. Discussion on Q2 2024 Performance – July 22, 2024
22 Juli 2024
5. Pembahasan Laporan Keuangan dengan Kantor Akuntan 5. Discussion on Financial Statements with the Public
Publik tanggal 13 Agustus 2024 Accounting Firm – August 13, 2024
6. Pembahasan Kinerja Periode Kuartal 3 2024 tanggal 6. Discussion on Q3 2024 Performance – October 21, 2024
21 Oktober 2024
7. Pembahasan Rencana Kinerja Tahun 2025 tanggal 22 7. Discussion on 2025 Performance Plan – November
November 2024 22, 2024
8. Pembahasan Laporan Keuangan dengan Kantor Akuntan 8. Discussion on Financial Statements with the Public
Publik tanggal 25 November 2024 Accounting Firm – November 25, 2024
KOMITE PEMANTAU RISIKO
RISK MONITORING COMMITTEE
Komite Pemantau Risiko merupakan Organ pendukung The Risk Monitoring Committee is a supporting governing
Dewan Komisaris yang bertugas melakukan pengawasan body of the Board of Commissioners whose duty is to
aktif atas metodologi hingga penerapan manajemen actively supervise the methodology and implementation
risiko Perseroan, serta memberikan penilaian terhadap of the Company's risk management, and to assess the
efektivitas sistem manajemen risiko termasuk menilai effectiveness of the risk management system, including
toleransi risiko Perseroan. Dalam melaksanakan tugas assessing the Company's risk tolerance. In carrying out its
dan tanggung jawabnya Komite Pemantau Risiko bekerja duties and responsibilities, the Risk Monitoring Committee
secara independen dan bertanggung jawab langsung works independently and reports directly to the Board of
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kepada Dewan Komisaris namun dapat menjalin kerja sama Commissioners, but can establish conducive cooperation
kondusif dengan Audit Internal, Komite Manajemen Risiko, with Internal Audit, the Risk Management Committee,
Eksternal Auditor, Fungsi Manajemen Risiko, dan fungsi External Auditors, the Risk Management Function, and other
manajemen lainnya. management functions.
Pedoman Komite Pemantau Risiko Risk Monitoring Committee Charter
Dalam melaksanakan tugas dan tanggung jawabnya, seluruh In carrying out its duties and responsibilities, all members
anggota Komite Pemantau Risiko harus berpedoman pada of the Risk Monitoring Committee must adhere to the Risk
Pedoman Komite Pemantau Risiko. Pedoman ini mengatur Monitoring Committee Charter. This charter governs the
hal-hal mengenai: following matters:
1. Maksud & tujuan umum; 1. General aims & objectives;
2. Tugas dan tanggung jawab; 2. Duties and responsibilities;
3. Kewenangan; 3. Authorities;
4. Organisasi: keanggotaan & rapat; 4. Organization: membership & meetings;
5. Amandemen Piagam dan Kinerja KPR; dan 5. Charter amendments and Risk Monitoring Committee
performance; and
6. Lain-lain. 6. Others.
Tugas dan Tanggung Jawab Komite Pemantau Duties and and Responsibilities of Risk
Risiko Monitoring Committee
Uraian tugas dan tanggung jawab Komite Pemantau Risiko The description of the duties and responsibilities of the
sesuai dengan yang tercantum dalam Pedoman Komite Risk Monitoring Committee as stated in the Risk Monitoring
Pemantau Risiko. Komite Pemantau Risiko melakukan Committee Charter. The Risk Monitoring Committee is
evaluasi dan pengawasan atas: responsible for carrying out key tasks, including evaluating
and monitoring:
1. Kebijakan manajemen risiko, prosedur, ruang lingkup, 1. Risk management policies, procedures, scope, tools, and
alat, dan pedoman (Kerangka Manajemen Risiko) dan guidelines (Risk Management Framework) and providing
memberikan rekomendasi atas kebutuhan perubahan recommendations for necessary changes proposed by
yang diajukan oleh Komite Manajemen Risiko. the Risk Management Monitoring Committee.
2. Kecukupan proses untuk mengidentifikasi dan 2. The adequacy of processes for identifying and
memitigasi risiko keuangan dan bisnis melalui efektivitas mitigating financial and business risks through effective
manajemen risiko. risk management.
3. Kesesuaian antara kebijakan manajemen risiko dengan 3. The alignment between risk management policies and
pelaksanaan kebijakan Perseroan. the Company's policy implementation.
4. Pelaksanaan tugas Komite Manajemen Risiko dan satuan 4. The execution of duties by the Risk Monitoring
kerja manajemen risiko. Committee, the Risk Management Committee, and the
risk management unit.
Sementara itu, kewajiban pelaporan Komite Pemantau Risiko Meanwhile, Risk Monitoring Committee's reporting
terdiri dari: obligations include:
1. Laporan tertulis sekurang-kurangnya 1 kali setiap 3 1. A written report at least once every three (3) months,
bulan, termasuk laporan atasan rincian kegiatan Komite including details of the committee's activities,
Pemantau Risiko, rekomendasi atas tindak lanjut dan recommendations for follow-up actions, and key issues
detail dari hal penting yang perlu menjadi perhatian requiring the Board of Commissioners' attention; and
Dewan Komisaris; dan
2. Setiap tindakan yang telah diambil oleh Direksi terkait hal- 2. Any actions taken by the Board of Directors
hal yang telah dilaporkan oleh Komite Pemantau Risiko. concerning matters previously reported by the Risk
Monitoring Committee.
Masa Jabatan Komite Pemantau Risiko Term of Office of the Risk Monitoring Committee
Masa tugas anggota Komite Pemantau Risiko yang turut The term of office for members of the Risk Monitoring
menjabat sebagai Dewan Komisaris adalah 2 (dua) tahun Committee who also serve as members of the Board
terhitung sejak tanggal pengangkatannya. of Commissioners is 2 (two) years from the date of
their appointment.
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Tata Kelola Perusahaan
Corporate Governance
Struktur dan Keanggotaan Komite Pemantau Structure and Membership of the Risk Monitoring
Risiko Committee
Susunan keanggotaan Komite Pemantau Risiko Perseroan The membership structure of the Company's Risk
terdiri dari 1 (satu) orang Ketua yang merupakan Komisaris Monitoring Committee consists of 1 (one) Chairman who
Independen, 1 (satu) orang anggota yang merupakan is an Independent Commissioner, 1 (one) member who is
Komisaris, dan 1 (satu) Pihak Independen yang memiliki a Commissioner, and 1 (one) Independent Party who has
keahlian di bidang manajemen risiko dan keuangan. expertise in risk and financial management.
Sepanjang tahun 2024, komposisi Komite Pemantau Risiko Throughout 2024, the composition of the Company's
Perseroan mengalami perubahan dengan kronologis Risk Monitoring Committee has changed with the
sebagai berikut: following chronology:
1 Januari – 19 April 2024
January 1 – April 19, 2024
Rangkap Jabatan di
Nama Jabatan Perseroan Dasar Pengangkatan Masa Jabatan
No.
Name Position Concurrent Position Legal Basis of Appointment Term of Office
in the Company
1. R. Nunu Soetjahja Noegroho Ketua Komite Komisaris Surat Keputusan Sirkuler RUPS Tahunan
Pemantau Independen Dewan Komisaris Sebagai tanggal 7 April 2022-
Risiko Independent Pengganti Rapat Dewan RUPS Tahunan tahun
Chairman of the Commissioner Komisaris Perseroan No. 2024
Risk Monitoring L.Leg/SPDK-003/FIF/2022 AGMS dated April 7,
Committee tanggal 7 April 2022 2022-AGMS in 2024
Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
003/FIF/2022 dated April 7,
2022
2. Lindawati Gani Anggota Komite Anggota Komite Surat Keputusan Sirkuler RUPS Tahunan
Pemantau Audit Dewan Komisaris Sebagai tanggal 7 April 2022-
Risiko Audit Committee Pengganti Rapat Dewan RUPS Tahunan tahun
Member of the Members Komisaris Perseroan No. 2024
Risk Monitoring L.Leg/SPDK-003/FIF/2022 AGMS dated April 7,
Committee tanggal 7 April 2022 2022-AGMS in 2024
Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
003/FIF/2022 dated April 7,
2022
3. Regina Okthory Anggota Komite Anggota Komite Surat Keputusan Sirkuler RUPS Tahunan
Pemantau Audit Dewan Komisaris Sebagai tanggal 7 April 2022-
Risiko Audit Committee Pengganti Rapat Dewan RUPS Tahunan tahun
Member of the Members Komisaris Perseroan No. 2024
Risk Monitoring L.Leg/SPDK-003/FIF/2022 AGMS dated April 7,
Committee tanggal 7 April 2022 2022-AGMS in 2024
Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
003/FIF/2022 dated April 7,
2022
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19 April – 31 Desember 2024
April 19 – December 31, 2024
Rangkap Jabatan di
Nama Jabatan Perseroan Dasar Pengangkatan Masa Jabatan
No.
Name Position Concurrent Position Legl Basis of Appointment Term of Office
in the Company
1. R. Nunu Soetjahja Noegroho Ketua Komite Komisaris Surat Keputusan Dewan RUPS Tahunan
Pemantau Independen Komisaris Sebagai Pengganti tanggal 19 April 2024-
Risiko Independent Rapat Dewan Komisaris RUPS Tahunan tahun
Chairman of the Commissioner Perseroan No. L.Leg/SPDK- 2026
Risk Monitoring 005/FIF/2024 tanggal 19 April AGMS dated April 19,
Committee 2024 2024-AGMS in 2026
Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
005/FIF/2024 dated April 19,
2024
2. Hardi Montana Anggota Komite Anggota Komite Surat Keputusan Dewan RUPS Tahunan
Pemantau Audit Komisaris Sebagai Pengganti tanggal 19 April 2024-
Risiko Audit Committee Rapat Dewan Komisaris RUPS Tahunan tahun
Member of the Members Perseroan No. L.Leg/SPDK- 2026
Risk Monitoring 005/FIF/2024 tanggal 19 April AGMS dated April 19,
Committee 2024 2024-AGMS in 2026
Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
005/FIF/2024 dated April 19,
2024
3. Juliani Eliza Syaftari Anggota Komite Anggota Komite Surat Keputusan Dewan RUPS Tahunan
Pemantau Audit Komisaris Sebagai Pengganti tanggal 19 April 2024-
Risiko Audit Committee Rapat Dewan Komisaris RUPS Tahunan tahun
Member of the Members Perseroan No. L.Leg/SPDK- 2026
Risk Monitoring 005/FIF/2024 tanggal 19 April AGMS dated April 19,
Committee 2024 2024-AGMS in 2026
Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
005/FIF/2024 dated April 19,
2024
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Tata Kelola Perusahaan
Corporate Governance
Profil Keanggotaan Komite Pemantau Risiko Risk Monitoring Committee Membership Profile
Profil Ketua Komite Pemantau Risiko Chairman of the Risk Monitoring Committee Profile
R. NUNU SOETJAHJA NOEGROHO
Ketua Komite Pemantau Risiko | Chairman of the Risk Monitoring Committee
Usia | Age Kewarganegaraan | Citizenship
62 tahun | years old Indonesia
Sertifikasi Profesi Sertifikasi Dasar Komisaris (SPPI)
Professional Certification Basic Commissioner Certification (SPPI)
Rangkap Jabatan Anggota Komite Audit PT Toyota Astra Financial Services, Anggota Komite
Concurrent Position Pemantau Risiko PT Toyota Astra Financial Services, Komisaris Independen PT
Federal international Finance, dan Ketua Komite Nominasi dan Remunerasi.
Member of the Audit Committee at PT Toyota Astra Financial Services,
Member of the Risk Monitoring Committee at PT Toyota Astra Financial
Services, Independent Commissioner at PT Federal International Finance, and
Chairman of the Nomination and Remuneration Committee.
Profil lengkap Bapak R. Nunu Soetjahja Noegroho selaku Ketua Komite Pemantau Risiko yang juga merangkap jabatan sebagai Komisaris Independen Perseroan telah
diuraikan dengan rinci pada Bab Profil Perusahaan, Sub-bab Profil Dewan Komisaris, halaman 104.
The complete profile of Mr. R. Nunu Soetjahja Noegroho as Chairman of the Risk Monitoring Committee who also concurrently serves as an Independent Commissioner of the
Company has been described in detail in the Company Profile Chapter, Board of Commissioners Profile Sub-chapter, page 104.
Profil Anggota Komite Pemantau Risiko Member of the Risk Monitoring Committee Profile
Seluruh anggota Komite Pemantau Risiko Perseroan All members of the Company's Risk Monitoring Committee
berstatus Warga Negara Indonesia (WNI). Berikut uraian are Indonesian citizens. The following is a complete
profil lengkap anggota Komite Pemantau Risiko Perseroan: profile description of the members of the Company's Risk
Monitoring Committee:
HARDI MONTANA
Anggota Komite Pemantau Risiko | Member of the Risk Monitoring Committee
Usia | Age Kewarganegaraan | Citizenship
69 tahun | years old Indonesia
Sertifikasi Profesi Warga Negara Indonesia, berusia 69 tahun, berdomisili di Indonesia. Profil
Professional Certification beliau telah disebutkan pada Bab Komite Audit, subbab Profil Anggota Komite
Audit.
Indonesian citizen, 69 years old, domiciled in Indonesia. His profile has been
mentioned in the Audit Committee Chapter, Audit Committee Member Profiles
subchapter.
Rangkap Jabatan Informasi perihal rangkap jabatan sudah disampaikan pada Bab Komite Audit,
Concurrent Position subbab Profil Anggota Komite Audit.
Information regarding concurrent positions has been provided in the Audit
Committee Chapter, subchapter Audit Committee Member Profiles.
Profil lengkap Bapak Hardi Montana selaku anggota Komite Pemantau Risiko yang juga merangkap jabatan sebagai Komite Audit Perseroan telah diuraikan dengan rinci pada
subbab Profil Anggota Komite Audit, halaman 274.
The complete profile of Mr. Hardi Montana as a member of the Risk Monitoring Committee and who also concurrently serves as the Company's Audit Committee has been
described in detail in the Company Profile Chapter, the Profile of Audit Committee Members subchapter, page 274.
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JULIANI ELIZA SYAFTARI
Anggota Komite Pemantau Risiko | Member of the Risk Monitoring Committee
Usia | Age Kewarganegaraan | Citizenship
68 tahun | years old Indonesia
Sertifikasi Profesi Warga Negara Indonesia, berusia 68 tahun, berdomisili di Indonesia. Profil
Professional Certification beliau telah disebutkan pada Bab Komite Audit, subbab Profil Anggota Komite
Audit.
Indonesian citizen, 68 years old, domiciled in Indonesia. Her profile has been
mentioned in the Audit Committee Chapter, subchapter Audit Committee
Member Profiles.
Rangkap Jabatan Informasi perihal rangkap jabatan sudah disampaikan pada Bab Komite Audit,
Concurrent Position subbab Profil Anggota Komite Audit.
Information regarding concurrent positions has been provided in the Audit
Committee Chapter, subchapter Audit Committee Member Profiles.
Profil lengkap Ibu Juliani Eliza Syaftari selaku anggota Komite Pemantau Risiko yang juga merangkap jabatan sebagai Komite Audit Perseroan telah diuraikan dengan rinci
pada subbab Profil Anggota Komite Audit, halaman 275.
The complete profile of Ms. Juliani Eliza Syaftari as a member of the Risk Monitoring Committee who also concurrently serves as the Company's Audit Committee has been
described in detail in the Profile of Audit Committee Members subchapter, page 275.
Independensi Komite Pemantau Risiko Independence of the Risk Monitoring Committee
Perseroan memastikan komposisi, kualifikasi, dan The Company ensures that the composition, qualifications,
independensi anggota Komite Pemantau Risiko telah and independence of the Risk Monitoring Committee
memenuhi ketentuan yang berlaku. Dalam upaya menjaga members comply with applicable regulations. To maintain
integritas dan independensi seluruh anggota komite dalam the integrity and independence of all committee members
melaksanakan tugas dan tanggung jawabnya, Perseroan in carrying out their duties and responsibilities, the Company
menempatkan Komisaris Independen sebagai ketua komite. appoints an Independent Commissioner as the committee
Seluruh anggota Komite Pemantau Risiko juga adalah chairman. Additionally, all members of the Risk Monitoring
para profesional yang tidak memiliki hubungan keuangan, Committee are professionals with no financial, managerial,
kepengurusan, kepemilikan, dan hubungan keluarga ownership, or familial ties to members of the Board of
dengan anggota Dewan Komisaris, anggota Direksi, dan/ Commissioners, Board of Directors, and/or the Company’s
atau pemegang saham utama dan pengendali. majority and controlling shareholders.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings
Kebijakan Rapat Meeting Policy
Komite Pemantau Risiko wajib melakukan rapat secara The Risk Monitoring Committee is required to hold regular
rutin minimal 1 kali dalam 3 (tiga) bulan. Pelaksanaan rapat meetings at least once every 3 (three) months or four (4)
dipimpin oleh Ketua Komite Pemantau Risiko atau dalam times a year. Meetings are chaired by the Chairman of the
hal Ketua Komite berhalangan hadir, maka rapat dipimpin Risk Monitoring Committee or, in the event of their absence,
oleh anggota Komite Pemantau Risiko yang disetujui by a committee member approved by the other attending
oleh anggota Komite Pemantau Risiko lainnya yang hadir. members. Decisions are made based on deliberation to
Keputusan rapat diambil berdasarkan musyawarah untuk reach a consensus, and if consensus is not achieved,
mufakat dan apabila mufakat tidak tercapai, pengambilan decisions are made by majority vote.
keputusan dilakukan berdasarkan suara terbanyak.
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Tata Kelola Perusahaan
Corporate Governance
Frekuensi dan Tingkat Kehadiran Frequency and Attendance Rate
Sepanjang tahun 2024, rapat Komite Pemantau Risiko telah Throughout 2024, the Risk Monitoring Committee has held
diselenggarakan sebanyak 5 (lima) kali dengan informasi five (5) meetings, with details as follows:
sebagai berikut:
Nama Jabatan Jumlah Pertemuan Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Attendance Attendance Rate (%)
R. Nunu Soetjahja Ketua Komite Pemantau Risiko 5 4 80%
Noegroho Chairman of the Risk Monitoring
Committee
Hardi Montana* Anggota Komite Pemantau Risiko 4 4 100%
Member of the Risk Monitoring
Committee
Juliani Eliza Syaftari* Anggota Komite Pemantau Risiko 4 4 100%
Member of the Risk Monitoring
Committee
*)Beliau diangkat sebagai anggota Komite Pemantau Risiko Perseroan pada 19 April 2024
*) He was appointed as a member of the Company's Risk Monitoring Committee on April 19, 2024
Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting Agenda
Sepanjang tahun 2024, rapat Komite Pemantau Risiko Throughout 2024, the Risk Monitoring Committee meetings
membahas hal-hal berikut ini: covered the following topics:
1. Pembahasan kinerja periode Kuartal 4 2023 1. Review of Q4 2023 Performance – February 7, 2024
(7 Februari 2024)
2. Pembahasan kinerja periode Kuartal 1 2024 2. Review of Q1 2024 Performance – April 22, 2024
(22 April 2024)
3. Pembahasan kinerja periode Kuartal 2 2024 3. Review of Q2 2024 Performance – July 22, 2024
(22 Juli 2024)
4. Pembahasan kinerja periode Kuartal 3 2024 4. Review of Q3 2024 Performance – October 21, 2024
(21 Oktober 2024)
5. Pe m b a h a s a n r e n c a n a k i n e r j a t a h u n 2 0 2 5 5. Discussion on 2025 Performance Plan – November
(22 November 2024) 22, 2024
Laporan Program Kerja dan Realisasi Pelaksanaan Report on the Work Program and Implementation of
Tugas Komite Pemantau Risiko Tahun 2024 the Risk Monitoring Committee's Duties in 2024
Komite Pemantau Risiko secara khusus melakukan The Risk Monitoring Committee is specifically responsible
pengawasan untuk memastikan kecukupan proses untuk for overseeing and ensuring the adequacy of processes
mengidentifikasi dan memitigasi risiko keuangan dan bisnis for identifying and mitigating financial and business risks
melalui efektivitas risk management. through effective risk management.
Sepanjang tahun 2024, Komite Pemantau Risiko telah Throughout 2024, the Risk Monitoring Committee has done
menjalankan tugas dan tanggung jawabnya secara its duties and responsibilities independently and effectively
independen dan efektif sebagai organ di bawah Dewan as a governing body under the Board of Commissioners,
Komisaris yang melakukan pengawasan terhadap supervising risk management methodologies and processes
metodologi dan proses manajemen risiko sesuai ketentuan in accordance with applicable laws and regulations.
peraturan perundang-undangan yang berlaku.
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Program Pendidikan dan/atau Pengembangan Education and/or Competency Development
Kompetensi Komite Audit dan Komite Pemantau Program for the Audit Committee and Risk
Risiko Tahun 2024 Monitoring Committee in 2024
Sepanjang tahun 2024, seluruh anggota Komite Audit dan Throughout 2024, all members of the Audit Committee and
Komite Pemantau Risiko telah berpartisipasi mengikuti Risk Monitoring Committee have actively participated in a
serangkaian kegiatan pelatihan, baik yang diselenggarakan series of training programs, organized by both internal and
oleh pihak internal maupun pihak eksternal, antara lain external parties. These programs include:
sebagai berikut:
Tanggal
Nama Jabatan Jenis Pelatihan Pelaksanaan Penyelenggara
Name Position Type of Training Date of Organizer
Implementation
Gede Harja Ketua Komite Audit Telah diungkapkan pada subbab Pengembangan Kompetensi Dewan Komisaris
Wasistha Chairman of the Audit Has been disclosed within the subchapter on Board of Commissioners
Committee Competency Development.
R. Nunu Ketua Komite Pemantau Telah diungkapkan pada subbab Pengembangan Kompetensi Dewan Komisaris
Soetjahja Risiko Has been disclosed within the subchapter on Board of Commissioners
Noegroho Chairman of the Risk Competency Development.
Monitoring Committee
Hardi Montana Anggota Komite Audit dan Webinar “Strategi Mencegah 29 Februari 2024 OJK
Komite Pemantau Risiko Serangan Siber” February 29, 2024 FSA
Member of the Audit Webinar "Strategies to Prevent
Committee and the Risk Cyber Attacks"
Monitoring Committee
Seminar Nasional “Tantangan 4 Juni 2024 APPI
Pembiayaan di Tengah June 4, 2024
Perubahan Geopolitik dan
Ekonomi”
National Seminar "Financing
Challenges Amid Geopolitical
and Economic Changes"
Juliani Eliza Anggota Komite Audit dan ESG Value Creation through 26 April 2024 PWC
Syaftari Komite Pemantau Risiko Biodiversity Conservation in the April 26, 2024
Member of the Audit Plantation and Forestry Sectors
Committee and the Risk
Monitoring Committee Peran Transformasi Digital 3 September 2024 AAMAI
dalam Mendukung Investasi September 3, 2024
Lingkungan Sosial & Tata
Kelola Perusahaan di Industri
Perasuransian
The Role of Digital
Transformation in Supporting
Environmental, Social &
Corporate Governance
Investments in the Industry
Peraturan OJK no 12/2024 : 2 Oktober 2024 CRMS, ICoPI
Transformasi Strategi Anti-Fraud October 2, 2024
di Lembaga Jasa Keuangan
FSA Regulation No. 12/2024:
Transforming Anti-Fraud
Strategies in Financial Institution
Astra Audit Committee & Risk 1 November 2024 GANRA Astra
Management Forum November 1, 2024
Data-Driven Resilience : Shaping 6 November 2024 ERMA / IRMAPA
the Future of Enterprise Risk November 6, 2024
Management
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Tata Kelola Perusahaan
Corporate Governance
KOMITE NOMINASI DAN REMUNERASI
NOMINATION AND REMUNERATION COMMITTEE
Dewan Komisaris membentuk Komite Nominasi dan The Board of Commissioners establishes a Nomination and
Remunerasi untuk membantu pelaksanaan fungsi dan tugas Remuneration Committee to aid in the implementation of
Dewan Komisaris terkait perumusan kebijakan remunerasi the functions and duties of the Board of Commissioners
dan nominasi terhadap anggota Direksi dan Dewan regarding the formulation of remuneration policies and
Komisaris Perseroan. Keberadaan Komite Nominasi dan nominations for members of the Company's Board of
Remunerasi telah sesuai dengan ketentuan POJK No. 34/ Directors and Board of Commissioners. The existence of the
POJK.04/2014 (“POJK 34/2014”) tentang Komite Nominasi Nomination and Remuneration Committee is in accordance
dan Remunerasi Emiten atau Perusahaan Publik. with the provisions of POJK No. 34/POJK.04/2014 (“POJK
34/2014”) concerning the Nomination and Remuneration
Committee of Issuers or Public Companies.
Piagam Komite Nominasi dan Remunerasi Nomination and Remuneration Committee Charter
Piagam Komite Nominasi dan Remunerasi Perseroan telah The Board of Commissioners has approved the Company's
disetujui Dewan Komisaris pada tanggal 7 April 2022. Piagam Nomination and Remuneration Committee Charter on April
terbaru Komite Nominasi dan Remunerasi mengatur tentang: 7, 2022. This latest audit committee charter contains:
1. Pengantar; 1. Overall purpose & objectives;
2. Tugas dan Tanggung Jawab; 2. Duties and responsibilities;
3. Komposisi dan Struktur Keanggotaan; 3. Composition and membership structure;
4. Pengangkatan; 4. Appointments;
5. Tata Cara dan Prosedur Kerja; 5. Working procedures;
6. Rapat; dan 6. Meetings; and
7. Pelaporan. 7. Reporting.
Tugas dan Tanggung Jawab Komite Nominasi dan Duties and Responsibilities of Nomination and
Remunerasi Remuneration Committee
Ruang lingkup tugas dan tanggung jawab Komite Nominasi The scope of the assignment and responsibilities of the
dan Remunerasi, sebagaimana ditetapkan dalam Pedoman Nomination and Remuneration Committee, as stipulated
Komite Nominasi dan Remunerasi, adalah sebagai berikut: in the Nomination and Remuneration Committee Charter,
are as follows:
Fungsi Nominasi Nomination Function
1. Memberikan rekomendasi dan/atau membantu Dewan 1. Providing recommendations and/or assisting the Board
Komisaris mengenai: of Commissioners regarding:
a. Komposisi jabatan Direksi dan Dewan Komisaris; a. The composition of positions in the Board of Directors
and the Board of Commissioners;
b. Kebijakan dan kriteria yang dibutuhkan dalam proses b. Policies and criteria required in the nomination
nominasi anggota Direksi dan Dewan Komisaris; process for members of the Board of Directors and
the Board of Commissioners;
c. Kebijakan evaluasi kinerja bagi anggota Direksi dan c. Performance evaluation policies for members of the
anggota Dewan Komisaris; dan Board of Directors and the Board of Commissioners; and
d. Program pengembangan untuk anggota Direksi dan d. Development programs for members of the Board
anggota Dewan Komisaris. of Directors and the Board of Commissioners.
2. Membantu Dewan Komisaris melakukan penilaian 2. Assisting the Board of Commissioners in assessing
kinerja anggota Direksi dan anggota Dewan Komisaris the performance of members of the Board of Directors
berdasarkan kriteria yang telah ditetapkan; and the Board of Commissioners based on the
established criteria.
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3. Memberikan usulan calon yang memenuhi syarat 3. Proposing qualified candidates for members of the Board
sebagai anggota Direksi dan anggota Dewan Komisaris of Directors and the Board of Commissioners to the
kepada Dewan Komisaris untuk disampaikan kepada Board of Commissioners to be submitted to the General
RUPS untuk mendapatkan persetujuan. Meeting of Shareholders (GMS) for approval.
Fungsi Remunerasi Remuneration Function
1. Memberikan rekomendasi kepada dan/atau membantu 1. Providing recommendations to and/or assisting the
Dewan Komisaris mengenai: Board of Commissioners regarding:
a. Struktur remunerasi anggota Direksi dan anggota a. The remuneration structure for members of the Board
Dewan Komisaris; of Directors and the Board of Commissioners;
b. Kebijakan atas remunerasi anggota Direksi dan b. Policies on the remuneration of members of the Board
anggota Dewan Komisaris; dan of Directors and the Board of Commissioners; and
c. Besaran atas remunerasi anggota Direksi dan c. The amount of remuneration for members of the
anggota Dewan Komisaris. Board of Directors and the Board of Commissioners.
2. Membantu Dewan Komisaris dalam melakukan penilaian 2. Assisting the Board of Commissioners in assessing the
kesesuaian remunerasi yang diterima masing-masing appropriateness of the remuneration received by each
anggota Direksi dan anggota Dewan Komisaris terkait member of the Board of Directors and the Board of
dengan kinerja mereka. Commissioners in relation to their performance.
Masa Jabatan Komite Nominasi dan Remunerasi Term of Office of Nomination and Remuneration
Committee
Anggota KNR diangkat untuk masa jabatan terhitung sejak Members of the Nomination and Remuneration Committee
tanggal sebagaimana ditentukan oleh Dewan Komisaris are appointed for a term commencing from the date
sampai dengan penutupan RUPS Tahunan yang kedua determined by the Board of Commissioners until the closing
sejak tanggal tersebut dan dapat diangkat kembali dengan of the second Annual General Meeting of Shareholders from
memperhatikan ketentuan perundang-undangan yang that date and may be reappointed in accordance with the
berlaku. applicable laws and regulations.
Struktur dan Keanggotaan Komite Nominasi dan Structure and Membership of the Nomination and
Remunerasi Remuneration Committee
Susunan keanggotaan Komite Nominasi dan Remunerasi The composition of the Company's Nomination and
Perseroan terdiri dari 1 (satu) orang Komisaris Independen Remuneration Committee consists of one (1) Independent
yang bertindak sebagai ketua, 1 (satu) Komisaris sebagai Commissioner serving as the chairperson, one (1)
anggota, dan 1 (satu) orang lainnya merupakan pejabat di Commissioner as a member, and one (1) other member
bawah Direksi yang bertanggung jawab atas pengelolaan who is an officer under the Board of Directors responsible
SDM Perseroan. for the Company's human resource management.
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Tata Kelola Perusahaan
Corporate Governance
Pada tahun 2024, komposisi Komite Nominasi dan In 2024, the composition of the Nomination and
Remunerasi tidak mengalami perubahan dari tahun Remuneration Committee remained unchanged from the
sebelumnya sehingga tetap sebagai berikut: previous year, as follows:
Rangkap Jabatan di
Nama Jabatan
Perseroan Dasar Pengangkatan Masa Jabatan
No. Name Position
Concurrent Position Legal Basis of Appoinment Term of Office
in te Company
1. R. Nunu Soetjahja Noegroho Ketua Komite Komisaris Surat Keputusan Sirkuler RUPS Tahunan
Nominasi dan Independen Dewan Komisaris Sebagai tanggal 7 April 2024-
Remunerasi Independent Pengganti Rapat Dewan RUPS Tahunan tahun
Chairman of the Commissioner Komisaris Perseroan No. 2026
Nomination and L.Leg/SPDK-006/FIF/2024 AGMS dated April 7,
Remuneration tanggal 19 April 2024 2024-AGMS in 2026
Committee Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
006/FIF/2024 dated April 19,
2024
2. Suparno Djasmin Anggota Komite Presiden Komisaris Surat Keputusan Sirkuler RUPS Tahunan
Nominasi dan President Dewan Komisaris Sebagai tanggal 7 April 2024-
Remunerasi Commissioner Pengganti Rapat Dewan RUPS Tahunan tahun
Member of the Komisaris Perseroan No. 2026
Nomination and L.Leg/SPDK-006/FIF/2024 AGMS dated April 7,
Remuneration tanggal 19 April 2024 2024-AGMS in 2026
Committee Circular Decree of the Board
of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
006/FIF/2024 dated April 19,
2024
3. Arlien Virginia Jonathan Anggota Komite Human Capital Surat Keputusan Sirkuler RUPS Tahunan
Nominasi dan Division Head Dewan Komisaris Sebagai tanggal 7 April 2024-
Remunerasi Pengganti Rapat Dewan RUPS Tahunan tahun
Member Komisaris Perseroan No. 2026
of of the L.Leg/SPDK-006/FIF/2024 AGMS dated April 7,
Nomination and tanggal 19 April 2024 2024-AGMS in 2026
Remuneration Circular Decree of the Board
Committee of Commissioners as a
Substitute of the Company’s
Board of Commissioners
Meeting No. L.Leg/SPDK-
006/FIF/2024 dated April 19,
2024
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Profil Keanggotaan Komite Nominasi dan Nomination and Remuneration Committee
Remunerasi Membership Profile
Profil Ketua Komite Nominasi dan Remunerasi Chairman of the Nomination and Remuneration
Committee Profile
R. NUNU SOETJAHJA NOEGROHO
Chairman of the Nomination and Remuneration Committee Profile
Chairman of the Nomination and Remuneration Committee Profile
Usia | Age Kewarganegaraan | Citizenship
62 tahun | years old Indonesia
Sertifikasi Profesi Telah diungkapkan pada Bab Profil Perusahaan subbab Profil Dewan Komisaris
Professional Certification Has been disclosed in the Company Profile chapter, subchapter Board of
Commissioners Profile
Rangkap Jabatan • Anggota Komite Audit (PT Toyota Astra Financial Services)
Concurrent Position • Anggota Komite Pemantau Risiko (PT Toyota Astra Financial Services)
• Komisaris Independen (PT Federal International Finance)
• Ketua Komite Pemantau Risiko (PT Federal International Finance)
• Member of the Audit Committee (PT Toyota Astra Financial Services)
• Member of the Risk Monitoring Committee (PT Toyota Astra Financial
Services)
• Independent Commissioner (PT Federal International Finance)
• Chairman of the Risk Monitoring Committee (PT Federal International
Finance)
Profil lengkap Bapak R. Nunu Soetjahja Noegroho selaku Ketua Komite Nominasi dan Remunerasi yang juga merangkap jabatan sebagai Komisaris Independen Perseroan
telah diuraikan dengan rinci pada Bab Profil Perusahaan, Sub-bab Profil Dewan Komisaris, halaman xxx.
The complete profile of Mr. R. Nunu Soetjahja Noegroho as Chairman of the Nomination and Remuneration Committee who also concurrently serves as an Independent
Commissioner of the Company has been described in detail in the Company Profile Chapter, Board of Commissioners Profile Sub-chapter, page xxx.
Profil Anggota Komite Nominasi dan Remunerasi Member of the Nomination and Remuneration
Committee Profile
Semua anggota Komite Nominasi dan Remunerasi All members of the Company's Nomination and
Perseroan berstatus Warga Negara Indonesia (WNI). Remuneration Committee are Indonesian citizens. The
Berikut uraian profil lengkap anggota Komite Nominasi following is a complete profile description of the members
dan Remunerasi Perseroan: of the Company's Nomination and Remuneration Committee:
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Tata Kelola Perusahaan
Corporate Governance
SUPARNO DJASMIN
Anggota Komite Nominasi dan Remunerasi | Member of the Nomination and Remuneration Committee
Usia | Age Kewarganegaraan | Citizenship
63 tahun | years old Indonesia
Sertifikasi Profesi Telah diungkapkan pada Bab Profil Perusahaan subbab Profil Dewan Komisaris
Professional Certification Has been disclosed in the Company Profile chapter, subchapter Board of
Commissioners Profile
Rangkap Jabatan Beliau menjabat sebagai Presiden Komisaris PT Bank Jasa Jakarta, Presiden
Concurrent Position Komisaris PT Astra Auto Digital, Presiden Komisaris PT Astra Integrasi Digital,
Presiden Komisaris PT Asuransi Jiwa Astra, Presiden Komisaris PT Matra
Graha Sarana, Presiden Komisaris PT Asuransi Astra Buana, Presiden Direktur
PT Sedaya Multi Investama, Presiden Komisaris PT Federal International
Finance, dan Direktur PT Astra International Tbk
He serves as President Commissioner at PT Bank Jasa Jakarta, President
Commissioner at PT Astra Auto Digital, President Commissioner at PT Astra
Integrasi Digital, President Commissioner at PT Asuransi Jiwa Astra, President
Commissioner at PT Matra Graha Sarana, President Commissioner at PT
Asuransi Astra Buana, President Director at PT Sedaya Multi Investama,
President Commissioner at PT Federal International Finance, and Director at
PT Astra International Tbk.
Profil lengkap Bapak Suparno Djasmin selaku anggota Komite Nominasi dan Remunerasi yang juga merangkap jabatan sebagai Presiden Komisaris Perseroan telah diuraikan
dengan rinci pada Bab Profil Perusahaan, Sub-bab Profil Dewan Komisaris, halaman xxx.
The complete profile of Mr. Suparno Djasmin as Member of the Nomination and Remuneration Committee who also concurrently serves as a President Commissioner of the
Company has been described in detail in the Company Profile Chapter, Board of Commissioners Profile Sub-chapter, page xxx.
ARLIEN VIRGINIA JONATHAN
Anggota Komite Nominasi dan Remunerasi | Member of the Nomination and Remuneration Committee
Usia | Age Kewarganegaraan | Citizenship
45 tahun | years old Indonesia
Riwayat Pendidikan Fakultas Psikologi, Universitas Katolik Atma Jaya (tahun 2001)
Educational History Faculty of Psychology, Atma Jaya Catholic University(2001)
Sertifikasi Profesi Sertifikasi Dasar Manajerial dari LSPPI (2022)
Professional Certification Basic Managerial Certification from LSPPI (2022)
Riwayat Pekerjaan Beliau mengawali kariernya di Astra International Group sejak tahun 2003
Career History dan dipercaya mengisi sejumlah posisi strategis. Beliau memiliki pengalaman
profesional matang di bidang pengelolaan SDM, seperti Recruitment and
Talent Sub Department Head Perseroan, Recruitment, Talent, and Reward
Department Head Perseroan, Human Capital Organization Development
Department Head, dan Human Capital Division Head Perseroan.
She began his career at Astra International Group in 2003 and has been
entrusted with several strategic positions. She has extensive professional
experience in human capital management, including serving as Recruitment
and Talent Sub Department Head of the Company, Recruitment, Talent, and
Reward Department Head of the Company, Human Capital Organization
Development Department Head, and Human Capital Division Head of the
Company.
Rangkap Jabatan di -
Perusahaan Lain
Concurrent Positions in
Other Companies
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Komisaris, Direksi, dan
Affiliated Relationship pemegang saham.
Has no affiliate relationship with members of the Board of Commissioners,
members of the Board of Directors, and shareholders.
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Independensi Komite Nominasi dan Remunerasi Independence of Nomination and Remuneration
Committee
Komite Nominasi dan Remunerasi senantiasa menjalankan The Nomination and Remuneration Committee consistently
tugas dan tanggung jawabnya secara profesional dan carries out its duties and responsibilities professionally and
menjunjung tinggi integritas agar dapat memberikan upholds integrity to provide objective opinions and/or views
pendapat dan/atau pandangan yang objektif kepada to the Board of Commissioners regarding the implementation
Dewan Komisaris terkait pelaksanaan fungsi nominasi dan of the nomination and remuneration functions.
remunerasi.
Seluruh anggota Komite Nominasi dan Remunerasi All members of the Company's Nomination and Remuneration
Perseroan telah memenuhi persyaratan independensi yang Committee have met the independence requirements,
dibuktikan dengan tidak adanya hubungan afiliasi keuangan, as evidenced by the absence of financial, management,
kepengurusan, kepemilikan saham dan/atau hubungan share ownership, and/or family affiliations with members
keluarga dengan anggota Dewan Komisaris, anggota of the Board of Commissioners, Board of Directors, and/
Direksi, dan/atau pemegang saham atau memiliki hubungan or shareholders or any business relationships with the
usaha dengan Perseroan yang dapat mempengaruhi Company that could affect their ability to act and make
kemampuannya untuk bertindak dan mengambil keputusan decisions objectively and independently.
secara objektif dan independen.
Rapat Komite Nominasi dan Remunerasi Nomination and Remuneration Committee Meetings
Kebijakan Rapat Meeting Policy
Rapat Komite Nominasi dan Remunerasi wajib The Nomination and Remuneration Committee meeting must
diselenggarakan sekurang-kurangnya 1 (satu) kali setiap be held at least once every 4 (four) months. The meeting
4 (empat) bulan. Pelaksanaan rapat harus dihadiri oleh must be attended by the majority of the committee members,
mayoritas dari jumlah anggota komite, termasuk Ketua including the Chair of the Nomination and Remuneration
Komite Nominasi dan Remunerasi. Mekanisme pengambilan Committee. The decision-making mechanism in the meeting
keputusan di dalam rapat tersebut dilakukan berdasarkan is based on deliberation to reach a consensus and if a
musyawarah untuk mufakat dan apabila mufakat tidak consensus is not reached, decision-making is based on a
tercapai, pengambilan keputusan dilakukan berdasarkan majority vote.
suara terbanyak.
Frekuensi dan Tingkat Kehadiran Frequency and Attendance Rate
Sepanjang tahun 2024, rapat Komite Nominasi dan Throughout 2024, the Nomination and Remuneration
Remunerasi telah diselenggarakan sebanyak 3 (tiga) kali Committee meetings have been held three (3) with the
dengan informasi sebagai berikut: following information:
Nama Jabatan Jumlah Pertemuan Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Attendance Attendance Rate (%)
R. Nunu Soetjahja Ketua Komite Nominasi dan 3 3 100%
Noegroho Remunerasi
Chairman of the Nomination and
Remuneration Committee
Suparno Djasmin Anggota Komite Nominasi dan 3 3 100%
Remunerasi
Member of the Nomination and
Remuneration Committee
Arlien Virginia Jonathan Anggota Komite Nominasi dan 3 3 100%
Remunerasi
Member of the Nomination and
Remuneration Committee
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Tata Kelola Perusahaan
Corporate Governance
Agenda Rapat Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
Meeting Agenda
Sepanjang tahun 2024, rapat Komite Nominasi dan Throughout 2024, the Nomination and Remuneration
Remunerasi membahas hal-hal berikut ini: Committee meetings discussed the following matters:
1. Update susunan BOD & BOC baru; 29 April 2024 1. Update on the new composition of the Board of Directors
& Board of Commissioners; April 29, 2024
2. Laporan Pengembangan Kompetensi Direksi dan Dewan 2. Report on the Competency Development of the Board
Komisaris; 31 Juli 2024 of Directors and Board of Commissioners; July 31, 2024
3. Persetujuan Pembayaran Bonus; 18 Desember 2024 3. Approval of Bonus Payments; December 18, 2024
Program Pendidikan dan/atau Pengembangan Education and/or Competency Development
Kompetensi Komite Nominasi dan Remunerasi Program for the Nomination and Remuneration
Tahun 2024 Committee in 2024
Perseroan mendorong Komite Nominasi dan Remunerasi The Company encourages the Nomination and Remuneration
untuk mengikuti program pendidikan dan/atau Committee to participate in educational and/or competency
pengembangan kompetensi guna meningkatkan wawasan development programs to improve the knowledge and
dan pengetahuan setiap anggota terkait praktik pengelolaan insights of each member regarding HC management
SDM sesuai dengan perundang-undangan dan regulasi practices in accordance with the laws and employment
ketenagakerjaan yang berlaku bagi industri multifinance. regulations applicable to the multifinance industry.
Sepanjang tahun 2024, Komite Nominasi dan Remunerasi Throughout 2024, the Nomination and Remuneration
telah mengikuti sejumlah pelatihan, yaitu sebagai berikut: Committee has attended several training programs,
as follows:
Nama Jabatan Jenis Pelatihan Tanggal Pelaksanaan Penyelenggara
Name Position Type of Training Date of Implementation Organizer
R. Nunu Ketua Komite Nominasi dan Telah diungkapkan pada subbab Program Pelatihan dan Peningkatan Kompetensi
Soetjahja Remunerasi Direksi Tahun 2024
Noegroho Chairman of the Has been disclosed in the 2024 Board of Directors Training and Competency
Nomination and Improvement Program subchapter
Remuneration Committee
Suparno Anggota Komite Nominasi Telah diungkapkan pada subbab Program Pelatihan dan Peningkatan Kompetensi
Djasmin dan Remunerasi Dewan Komisaris Tahun 2024
Member of the Nomination Has been disclosed in the 2024 Board of Commissioners Training and Competency
and Remuneration Improvement Program subchapter
Committee
Arlien Virginia Anggota Komite Nominasi Design Thinking – Bootcamp 3 – 5 Juni 2024 Productivity Quality
Jonathan dan Remunerasi i-TEAM 2024 June 3-5, 2024 Management
Member of the Nomination
and Remuneration Behavioral Based Interview (BBI) 23 – 25 Juli 2024 Fides Leadership
Committee July 23-25, 2024
Astra Young Woman Network 30 September 2024 Astra International
2024 September 30, 2024
Laporan Program Kerja dan Realisasi Pelaksanaan Report on the Work Program and Implementation
Tugas Komite Nominasi dan Remunerasi Tahun of the Nomination and Remuneration Committee's
2024 Duties in 2024
Komite Nominasi dan Remunerasi telah menjalankan The Nomination and Remuneration Committee has optimally
tugas dan tanggung jawabnya secara optimal dalam conducted its duties and responsibilities in assisting the
membantu Dewan Komisaris melakukan proses nominasi Board of Commissioners in the nomination and remuneration
dan remunerasi sesuai ketentuan peraturan perundang- process in accordance with applicable laws and regulations.
undangan yang berlaku. Komite Nominasi dan Remunerasi The Nomination and Remuneration Committee specifically
secara khusus melakukan pengawasan untuk memastikan supervises to ensure a balanced process in determining
proses yang berimbang dalam menentukan SDM terbaik the best human capital to lead the Company as well as a
yang akan memimpin Perseroan serta komposisi remunerasi balanced composition of remuneration and benefit packages.
dan benefit yang berimbang.
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Komite-Komite Pendukung di Bawah Direksi
Supporting Committees Under the Board of Directors
KOMITE MANAJEMEN RISIKO
RISK MANAGEMENT COMMITTEE
Dalam menjalankan pengurusan dan pengelolaan bisnis In carrying out daily business management and operations,
sehari-hari, Direksi dibantu oleh Komite Manajemen Risiko the Board of Directors is supported by the Risk Management
yang bertugas meningkatkan kemampuan Perseroan dalam Committee, which is responsible for enhancing the Company's
mengidentifikasi, mengukur, memantau, dan mengendalikan ability to identify, measure, monitor, and control material
faktor-faktor risiko material dengan tujuan untuk melindungi risk factors. The objective is to safeguard the Company
Perseroan melalui pengelolaan risiko yang mungkin timbul by managing potential risks arising from its activities and
dari aktivitasnya serta menjaga tingkat risiko agar sesuai maintaining risk levels in line with the established directives.
dengan arahan yang telah ditetapkan. Pembentukan Komite The establishment of the Risk Management Committee
Manajemen Risiko Perseroan mengacu pada POJK No. 44/ within the Company refers to POJK No. 44/POJK.05/2020,
POJK.05/2020 tentang Penerapan Manajemen Risiko bagi concerning the Implementation of Risk Management for
Lembaga Jasa Keuangan Non-Bank. Non-Bank Financial Institutions.
Pedoman Kerja Komite Manajemen Risiko Risk Management Committee Charter
Komite Manajemen Risiko melaksanakan tugas dan tanggung The Risk Management Committee carries out its duties
jawabnya berdasarkan ketentuan-ketentuan yang telah and responsibilities based on the provisions stipulated in
diatur dan ditetapkan dalam Surat Keputusan (SK) Direksi No. the Decree of the Board of Directors No. 025/FIF/SK-DIR/
025/FIF/SK-DIR/HOD/XI/2023 tentang Perubahan Susunan HOD/XI/2023 concerning the Change in the Composition
Komite Manajemen Risiko yang disahkan pada tanggal 30 of the Risk Management Committee which was ratified on
November 2023. November 30, 2023.
Tugas dan Tanggung Jawab Komite Manajemen Duties and Responsibilities of Risk Management
Risiko Committee
Sebagaimana telah diatur dalam Pedoman Manajemen As stipulated in the Risk Management Charter, the duties
Risiko, tugas dan tanggung jawab Komite Manajemen Risiko, and responsibilities of the Risk Management Committee
adalah sebagai berikut: are as follows:
1. Penyusunan kebijakan, strategi, dan pedoman 1. Formulating policies, strategies, and guidelines for the
penerapan Manajemen Risiko; implementation of Risk Management;
2. Perbaikan atau penyesuaian pelaksanaan Manajemen 2. Improving or adjusting the execution of Risk Management
Risiko berdasarkan hasil evaluasi pelaksanaan based on the evaluation results of Risk Management
Manajemen Risiko; dan implementation; and
3. Penetapan hal-hal yang terkait dengan keputusan bisnis 3. Determining matters related to business decisions that
yang menyimpang dari prosedur normal. deviate from normal procedures.
Struktur dan Keanggotaan Komite Manajemen Structure and Membership of the Risk
Risiko Management Committee
Komite Manajemen Risiko dibentuk berdasarkan Surat The Risk Management Committee was established based on
Keputusan Direksi PT Federal International Finance Nomor: the Decree of the Board of Directors of PT Federal International
025/FIF/SK-DIR/HOD/XI/2023 tanggal 30 November 2023. Finance No. 025/FIF/SK-DIR/HOD/XI/2023 dated November
Per 31 Desember 2024, komposisi Komite Manajemen Risiko 30, 2023. As of December 31, 2024, the composition of the
Perseroan terdiri dari: Company's Risk Management Committee consists of:
1. Direktur 1. Director
2. Direktur 2. Director
3. Direktur 3. Director
4. Risk Management Division Head 4. Risk Management Division Head
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Tata Kelola Perusahaan
Corporate Governance
Laporan Program Kerja dan Realisasi Pelaksanaan Report on the Work Program and Implementation of
Tugas Komite Manajemen Risiko Tahun 2024 the Risk Monitoring Committee's Duties in 2024
Komite Manajemen Risiko telah menjalankan tugas dan The Risk Management Committee has optimally performed
tanggung jawabnya secara optimal dalam membantu Direksi its duties and responsibilities in assisting the Board of
mengimplementasikan sistem manajemen risiko yang efektif Directors in implementing an effective risk management
sesuai kebutuhan Perseroan. system in accordance with the Company's needs.
KOMITE PENGARAH TEKNOLOGI INFORMASI
INFORMATION TECHNOLOGY STEERING COMMITTEE
Perkembangan teknologi informasi yang begitu masif di The massive development of information technology in
industri multifinance mendorong Perseroan untuk terus the multifinance industry encourages the Company to
berinvestasi pada state-the-art teknologi informasi terkini continue investing in the latest state-of-the-art information
agar proses bisnis dan pemberian layanan kepada debitur technology so that business processes and the provision
dapat berjalan efektif. Oleh karena itu, Direksi membentuk of services to debtors can run effectively. Therefore, the
Komite Pengarah Teknologi Informasi untuk membantu Board of Directors formed the Information Technology
memastikan bahwa rencana strategis teknologi informasi Steering Committee to help ensure that the Company's
Perseroan telah terlaksana secara berkelanjutan dan sejalan strategic information technology plan has been implemented
dengan rencana strategis Perseroan. Pembentukan Komite sustainably and the is in line with the Company's strategic
Pengarah Teknologi Informasi sudah sejalan dengan POJK plan. The establishment of the Information Technology
No. 4/POJK.05/2021 tentang Penerapan Manajemen Risiko Steering Committee is in line with POJK No. 4/POJK.05/2021
dalam Penggunaan Teknologi Informasi oleh Lembaga Jasa concerning the Implementation of Risk Management in
Keuangan Non-Bank. the Use of Information Technology by Non-Bank Financial
Services Institutions.
Pedoman Kerja Komite Pengarah Teknologi Information Technology Steering Committee
Informasi Charter
Komite Pengarah Teknologi Informasi melaksanakan tugas The Information Technology Steering Committee implements
dan tanggung jawabnya berdasarkan ketentuan-ketentuan its duties and responsibilities based on the provisions
yang telah diatur dan ditetapkan dalam Surat Keputusan (SK) stipulated in Decree of the Board of Directors No. 022/FIF-
Direksi No. 022/FIF-SK-DRT/HOD/VI/2024 tanggal 15 Juni SK-DRT/HOD/VI/2024 dated June 15, 2024. concerning the
2024. tentang Pembentukan dan Susunan Keanggotaan Formation and Membership of the Information Technology
Komite Pengarah Teknologi Informasi yang disahkan pada Steering Committee, ratified on June 15, 2024.
tanggal 15 Juni 2024.
Tugas dan Tanggung Jawab Komite Pengarah Duties and Responsibilities of Information
Teknologi Informasi Technology Steering Committee
Komite Pengarah Teknologi Informasi bertanggung jawab The Information Technology Steering Committee is
memberikan rekomendasi kepada Direksi paling sedikit responsible for providing recommendations to the Board
terkait dengan: of Directors on at least the following matters:
1. Rencana pengembangan Teknologi lnformasi yang 1. Strategic plans for Information Technology development
sejalan dengan rencana strategis kegiatan usaha aligned with the Company's business strategic plans.
Perseroan;
2. Perumusan kebijakan, standar, dan prosedur Teknologi 2. Formulation of key Information Technology policies,
lnformasi; standards, and procedures.
3. Kesesuaian antara proyek Teknologi lnformasi yang 3. Alignment between approved Information Technology
disetujui dengan Rencana Strategis Teknologi lnformasi; projects and the Information Technology Strategic Plan.
4. Kesesuaian antara pelaksanaan proyek Teknologi 4. Compliance between the implementation of Information
lnformasi dengan rencana proyek yang disepakati Technology projects and the agreed project plan (project
(project charter); charter).
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5. Kesesuaian antara Teknologi lnforrnasi dengan 5. Compatibility of Information Technology with the
kebutuhan sistem informasi manajemen serta kebutuhan management information system needs and the
kegiatan usaha Perseroan. Company's business activities.
6. Efektivitas langkah-langkah dalam meminimalkan risiko 6. Effectiveness of measures to minimize risks
atas investasi Perseroan pada sektor Teknologi lnformasi associated with the Company's investments in the
agar investasi Perseroan pada sektor Teknologi Informasi Information Technology sector to ensure that such
memberikan kontribusi terhadap pencapaian tujuan investments contribute to achieving the Company's
bisnis Perseroan; business objectives.
7. Pemantauan atas kinerja Teknologi lnformasi dan upaya 7. Monitoring the performance of Information Technology
peningkatan kinerja Teknologi lnformasi; and efforts to improve its efficiency.
8. Upaya penyelesaian berbagai masalah terkait Teknologi 8. Resolution of various Information Technology-related
lnformasi yang tidak dapat diselesaikan oleh satuan issues that cannot be effectively, efficiently, and promptly
kerja pengguna dan penyelenggara Teknologi lnformasi resolved by the user and Information Technology
secara efektif, efisien, dan tepat waktu; dan operating units.
9. Kecukupan dan alokasi sumber daya yang dimiliki 9. Adequacy and allocation of the Company's resources.
Perseroan.
Struktur dan Keanggotaan Komite Pengarah Structure and Membership of the Information
Teknologi Informasi Technology Steering Committee
Komite Pengarah Teknologi Informasi dibentuk berdasarkan The Information Technology Steering Committee was
Surat Keputusan Direksi PT Federal International Finance established based on the Decree of the Board of Directors of
No. 022/FIF-SK-DRT/HOD/VI/2024 tanggal 15 Juni 2024. PT Federal International Finance No. 022/FIF-SK-DRT/HOD/
dengan susunan keanggotaan sebagai berikut: VI/2024 dated June 15, 2024, with the following composition:
1. Direktur 1. Director
2. Information Technology Division Head 2. Information Technology Division Head
3. Risk Management Division Head 3. Risk Management Division Head
4. Compliance and Standardization Deputy Division Head 4. Compliance and Standardization Deputy Division Head
5. Budget, Accounting & Tax Division Head 5. Budget, Accounting & Tax Division Head
Laporan Program Kerja dan Realisasi Pelaksanaan Report on the Work Program and Implementation
Tugas Komite Pengarah Teknologi Informasi of the Information Technology Steering
Tahun 2024 Committee's Duties in 2024
Komite Pengarah Teknologi Informasi telah menjalankan The Committee has optimally conducted its duties and
tugas dan tanggung jawabnya secara optimal dalam responsibilities in assisting the Board of Directors in
membantu Direksi mengimplementasikan sistem teknologi implementing an effective information technology system
informasi yang efektif sesuai kebutuhan Perseroan. in line with the Company's needs.
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Tata Kelola Perusahaan
Corporate Governance
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan merupakan organ pendukung di The Corporate Secretary is a supporting governing body
bawah Direksi yang berperan penting dalam memfasilitasi under the Board of Directors that plays an important role
komunikasi antar Organ Perseroan dan bertugas in facilitating communication between the Company's
membangun fungsi komunikasi yang efektif agar senantiasa governing bodies to establish an effective communication
terjalin hubungan yang harmonis antara Perseroan dengan function, hence a harmonious relationship is always
para pemangku kepentingan termasuk pemegang saham, established between the Company and its stakeholders
regulator, media, dan masyarakat. Sekretaris Perusahaan including shareholders, regulators, media, and the community.
juga turut terlibat dalam proses penyusunan kebijakan, The Corporate Secretary is also involved in the process of
perencanaan, serta memastikan efektivitas dan transparansi policy making, planning, and ensuring the effectiveness
komunikasi perusahaan, hubungan kelembagaan, hubungan and transparency of corporate communications, institutional
investor, dan pelaku pasar modal lainnya, dengan tetap relations, investor relations, and other capital market players,
memperhatikan prinsip standar etika perusahaan dan nilai while paying attention to the principles of corporate ethics
serta budaya perusahaan. standards and corporate values and culture.
Keberadaan organ Sekretaris Perusahaan dapat memastikan The existence of the Corporate Secretary can ensure
kepatuhan dan administrasi pengambilan keputusan that compliance and administrative decision-making done
terlaksana sesuai dengan ketentuan perundang-undangan according to the applicable laws and regulations.
yang berlaku.
Dasar Hukum Pembentukan Sekretaris Perusahaan Legal Basis of Corporate Secretary Establishment
Pelaksanaan fungsi, tugas, dan tanggung jawab, serta The implementation of the functions, duties, and
penunjukan Sekretaris Perusahaan berpedoman pada responsibilities, as well as the appointment of the Corporate
POJK No. 35/POJK.04/2014 tentang Sekretaris Perusahaan Secretary are guided by the POJK No. 35/POJK.04/2014
Emiten atau Perusahaan Publik. Sebagai organ pendukung concerning the Corporate Secretary of Issuers or Public
di bawah Direksi, Sekretaris Perusahaan bertanggung jawab Companies. As a supporting governing body under the
langsung kepada Direksi serta diangkat dan diberhentikan Board of Directors, the Corporate Secretary is directly
berdasarkan Keputusan Direksi atas persetujuan responsible to the Board of Directors and is appointed and
Dewan Komisaris. dismissed based on the Decree of the Board of Directors
with the approval of the Board of Commissioners.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of Corporate
Perusahaan Secretary
Pelaksanaan tugas dan tanggung jawab Sekretaris The execution of the duties and responsibilities of the
Perusahaan telah diatur dalam Pedoman Sekretaris Corporate Secretary is regulated in the Corporate Secretary
Perusahaan yang menjadi bagian dari Pedoman Tata Kelola Guidelines, which form part of the Corporate Governance
Perusahaan yang terakhir ditetapkan pada tanggal 20 Guidelines, last established on December 20, 2017. The
Desember 2017. Berikut adalah uraian tugas dan tanggung following outlines the duties and responsibilities of the
jawab Sekretaris Perusahaan: Corporate Secretary:
1. Sebagai penghubung atau contact person antara 1. Acting as a liaison or contact person between the
Perseroan, Otoritas Jasa Keuangan, dan bursa efek Company, the Financial Services Authority, the stock
dimana efek Perseroan tercatat dan publik. exchange where the Company's securities are listed,
and the public.
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2. Memastikan dan mendokumentasikan rapat Direksi 2. Ensuring and documenting Board of Directors and Board
dan rapat Dewan Komisaris berjalan dengan baik dan of Commissioners meetings, ensuring they run smoothly
sesuai jadwal, dan dibuatkan risalahnya dan disimpan according to schedule, preparing meeting minutes, and
dengan baik. storing them properly.
3. Memastikan dan mendokumentasikan terlaksananya 3. Ensuring and documenting the implementation of
Rapat Umum Pemegang Saham Perseroan dengan baik General Meetings of Shareholders appropriately
dan teratur. and regularly.
4. Melakukan sinergi dengan divisi-divisi terkait untuk 4. Maintaining the synergy within related divisions for
sosialisasi, implementasi, monitoring, dan penelaahan the Company's Code of Conduct dissemination,
pelaksanaan Code of Conduct Perseroan. implementation, monitoring and implementation review.
5. Memberikan masukan terhadap Strategic Corporate 5. Providing input on the Company’s Strategic
Planning Perseroan. Corporate Planning.
6. Memastikan dijalankannya administrasi, pendaftaran, 6. Ensuring proper and timely administration, registration,
pelaporan kepada Otoritas Jasa Keuangan dan bursa and reporting to the Financial Services Authority and
efek di mana efek Perseroan tercatat dengan baik dan the stock exchange where the Company’s securities
tepat waktu. are listed.
7. Menyiapkan dan/atau mengkomunikasikan informasi 7. Preparing and/or communicating material information
material dengan akurat dan lengkap kepada masyarakat, accurately and comprehensively to the public and the
pasar modal, termasuk mengenai kinerja dan aksi capital market, including information regarding the
korporasi (corporate action) Perseroan. Company's performance and corporate actions.
8. Menjalin hubungan baik dengan pemangku kepentingan 8. Maintaining good relationships with stakeholders to
untuk menumbuhkan kepercayaan yang luas atas build broad trust in the management’s ability to run the
kemampuan manajemen dalam mengelola Perseroan Company and create long-term value for stakeholders.
dan membangun nilai jangka panjang bagi pemangku
kepentingan.
9. Mendukung sosialisasi dan implementasi corporate 9. Supporting the dissemination and implementation of
philosophy, corporate value, sistem, dan budaya corporate philosophy, corporate values, systems, and
Perseroan. corporate culture.
10. Mengikuti perkembangan Pasar Modal, khususnya 10. Monitoring the developments in the capital market,
peraturan-peraturan yang berlaku serta praktik-praktik particularly applicable regulations and international best
internasional, berkaitan dengan Good Corporate practices related to Good Corporate Governance, and
Governance serta memberikan masukan kepada Direksi providing recommendation to the Board of Directors
dan Dewan Komisaris mengenai ketentuan peraturan and Board of Commissioners regarding capital market
perundang-undangan di bidang Pasar Modal. laws and regulations.
11. Melaksanakan program orientasi bagi anggota Direksi 11. Conducting orientation programs for newly appointed
dan/atau Dewan Komisaris yang baru menjabat. members of the Board of Directors and/or Board
of Commissioners.
12. Menjaga kerahasiaan dokumen, data dan informasi yang 12. Maintaining the confidentiality of confidential documents,
bersifat rahasia. data and information.
13. Memberikan masukan kepada Direksi dan Dewan 13. Providing recommendation to the Board of Directors and
Komisaris Perseroan untuk mematuhi ketentuan Board of Commissioners to comply with Capital Market
peraturan perundang-undangan di bidang Pasar Modal. laws and regulations.
14. Membantu pelaksanaan keterbukaan informasi kepada 14. Assisting in the implementation of information disclosure
masyarakat, termasuk ketersediaan informasi pada situs to the public, including ensuring the availability of
web Perseroan. information on the Company's website.
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Tata Kelola Perusahaan
Corporate Governance
Profil Sekretaris Perusahaan Corporate Secretary Profile
Per 31 Desember 2024, Sekretaris Perusahaan dijabat oleh As of December 31, 2024, the position of Corporate
Bapak Theodorus Indra Surya Putra dengan profil lengkap Secretary is held by Mr. Theodorus Indra Surya Putra with
sebagai berikut: the following complete profile:
THEODORUS INDRA SURYA PUTRA
Sekretaris Perusahaan | Corporate Secretary
Usia | Age Kewarganegaraan | Citizenship
41 tahun | years old Indonesia
Riwayat Pendidikan Sarjana Hukum dari Fakultas Hukum Universitas Padjadjaran, Bandung (2005).
Educational History Bachelor of Law from Padjadjaran University, Bandung (2005).
Sertifikasi Profesi Sertifikasi Dasar Manajerial dari LSPPI (2022)
Professional Certification Basic Managerial Certification from LSPPI (2022)
Riwayat Pekerjaan Beliau mulai bergabung dengan Astra Group sejak tahun 2007 hingga
Career History kemudian diangkat sebagai Corporate Secretary, Legal dan Litigation Deputy
Division Head PT Federal International Finance (Perseroan) pada tahun
2020. Berkat kemampuan dan kompetensi yang dimiliki, beliau dipromosikan
sebagai Corporate Secretary, Legal dan Litigation Division Head pada tahun
2021. Sebelum bergabung dengan Perseroan, beliau memiliki pengalaman
kerja sebagai National Litigation Area Coordinator di PT Astra Sedaya Finance
(2007-2012) dan Intellectual Property Rights & Litigation Department Head
pada PT Astra Honda Motor (2014-2019).
He joined Astra Group in 2007 and was later appointed as the Corporate
Secretary, Legal, and Litigation Deputy Division Head at PT Federal
International Finance (the Company) in 2020. Due to his skills and
competencies, he was promoted to Corporate Secretary, Legal, and
Litigation Division Head in 2021. Before joining the Company, he gained
work experience as National Litigation Area Coordinator at PT Astra Sedaya
Finance (2007–2012) and as Intellectual Property Rights & Litigation
Department Head at PT Astra Honda Motor (2014–2019).
Rangkap Jabatan Tidak memiliki rangkap jabatan baik di internal maupun eksternal Perseroan.
Concurrent Position Does not hold any concurrent positions, either internally or externally within
the Company.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Komisaris, Direksi, dan
Affiliated Relationship pemegang saham.
Has no affiliate relationship with members of the Board of Commissioners,
members of the Board of Directors, and Shareholders.
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Liaison Officer Liaison Officer
Dalam menjalankan fungsi sebagai Liaison Officer, Sekretaris In performing its function as a Liaison Officer, the Corporate
Perusahaan melakukan korespondensi dengan regulator Secretary corresponds with regulators and various
dan sejumlah institusi seperti OJK, Asosiasi Perusahaan institutions such as the Financial Services Authority (FSA),
Pembiayaan Indonesia (APPI) dan Bursa Efek Indonesia the Indonesian Financial Services Association (APPI), and
(BEI). Pada tahun 2024, Sekretaris Perusahaan menerima the Indonesia Stock Exchange (BEI). In 2024, the Corporate
sejumlah surat dari regulator dan asosisasi serta telah Secretary received several letters from regulators and
melaporkannya kepada Direksi dan mendiskusikannya associations, reported them to the Board of Directors, and
dengan unit kerja terkait agar dapat diberikan penjelasan discussed them with relevant work units to provide the
tertulis yang diperlukan sebagai bentuk transparansi dan necessary written explanations as a form of transparency
keterbukaan informasi terhadap pemangku kepentingan. and information disclosure to stakeholders.
Untuk mencegah terjadinya penyebarluasan informasi To prevent the dissemination of incorrect or invalid
yang keliru atau tidak valid yang berpotensi merusak information that could potentially harm the Company's
reputasi Perseroan, maka Sekretaris Perusahaan secara reputation, the Corporate Secretary regularly holds meetings,
rutin mengadakan pertemuan, kunjungan konferensi dan visits, conferences, and roadshows to maintain harmonious
roadshow dalam rangka menjalin hubungan yang harmonis relationships with the investor and analyst communities, as
dengan komunitas investor dan analis, serta secara proaktif well as proactively communicating the Company's business
menyampaikan perkembangan bisnis dan kinerja Perseroan developments and performance through information
melalui pelaporan keterbukaan informasi pada situs web. disclosure reporting in the websites.
Program Pendidikan/Pelatihan Sekretaris Corporate Secretary Training and Education
Perusahaan Tahun 2024 Program in 2024
Pada tahun 2024, Sekretaris Perusahaan telah mengikuti In 2024, the Corporate Secretary participated in several
sejumlah kegiatan pelatihan dan pendidikan guna training and educational programs to enhance competencies
meningkatkan kompetensi dan pengetahuan terkait and knowledge regarding the latest regulations in the
perkembangan regulasi terkini di industri multifinance, multifinance industry, as presented in the following table:
sebagaimana disajikan pada tabel berikut:
Jenis Pelatihan Tanggal Penyelenggara
Type of Training Date Organizer
Webinar OJK Insitute “Connecting The Dots” 11 Januari 2024 Otoritas Jasa Keuangan
FSA Institute Webinar “Connecting The Dots January 11, 2024 Financial Services
Authority
Converge Security 2024 5 Maret 2024 Deloitte with AWS
March 5, 2024
Peluncuran Roadmap Pengembangan dan Penguatan Perusahaan 5 Maret 2024 Otoritas Jasa
Pembiayaan 2024-2028 March 5, 2024 Keuangan dan
Launch of the 2024-2028 Roadmap for Financing Company Development Asosiasi Perusahaan
and Reinforcement Pembiayaan Indonesia
Financial Services
Authority and
Indonesian Financial
Services Association
Seminar Nasional “Bertumbuh Dalam Pengaturan UU P2SK” 8 Maret 2024 Asosiasi Perusahaan
National Seminar “Growing Under the Regulation of the Financial Sector March 8, 2024 Pembiayaan Indonesia
Development and Reinforcement Law (UU P2SK)” Indonesian Financial
Services Association
Webinar OJK Insitute “How to Prevent Greenwashing in Sustainable 16 Mei 2024 Otoritas Jasa Keuangan
Finance” May 16, 2024 Financial Services
FSA Institute Webinar “How to Prevent Greenwashing in Sustainable Authority
Finance”
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Tata Kelola Perusahaan
Corporate Governance
Jenis Pelatihan Tanggal Penyelenggara
Type of Training Date Organizer
Hukumonline Subscribers Meet Up : Peran Data Protection Officer 20 Mei 2024 Hukum Online
Menjelang Pemberlakuan UU PDP May 20, 2024
Hukumonline Subscribers Meet-Up: The Role of Data Protection Officers
Ahead of the Implementation of the Personal Data Protection Law (UU PDP)
Seminar Data Protection : Legal & Information System 3 Juni 2024 Bursa Efek Indonesia
Data Protection Seminar: Legal & Information System June 3, 2024 Indonesia Stock
Exchange
Workshop “Implementasi dan Pendalaman Undang-Undang No. 27 Tahun 10 Juli 2024 Indonesia Corporate
2022 Tentang Pelindungan Data Pribadi” July 10, 2024 Secretary Association
Workshop “Implementation and In-Depth Study of Law No. 27 of 2022 on
Personal Data Protection”
IAP Onboarding Session 10 Juli 2024 Indonesia Corporate
July 10, 2024 Secretary Association
Seminar “Navigating People Management As Legal Professionals, 23 Agustus 2024 Indonesia Corporate
Empowering Your Team with Impactful Leadership” August 23, 2024 Secretary Association
Webinar and Online Workshop “Transforming Business with ESG – Unlock 23 Agustus 2024 IDX - GRI & STACS
Insights, Regulations, and Tools!” August 23, 2024 ESGpedia
Laporan Pelaksanaan Kegiatan Sekretaris Corporate Secretary Duty Implementation Report
Perusahaan Tahun 2024 in 2024
Sepanjang tahun 2024, Sekretaris Perusahaan telah Throughout 2024, the Corporate Secretary diligently
melaksanakan tugasnya sesuai amanat POJK No. 35/ executed their duties in accordance with POJK No. 35/
POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau POJK.04/2014 concerning the Corporate Secretary of Issuers
Perusahaan Publik, tugas Sekretaris Perusahaan antara or Public Companies. These duties encompassed ensuring
lain (i) memastikan kepatuhan hukum Perseroan terhadap the Company’s legal compliance with prevailing regulations,
peraturan perundang-undangan yang berlaku, khususnya particularly those within the Capital Market sector, assisting
peraturan perundang-undangan di bidang Pasar Modal; (ii) the Board of Directors and Board of Commissioners in
membantu Direksi dan Dewan Komisaris dalam pelaksanaan corporate governance, and acting as the liaison between
tata kelola perusahaan; serta (iii) bertindak sebagai the Company, shareholders, the Financial Services Authority,
penghubung antara Perseroan dengan pemegang saham, and other stakeholders.
Otoritas Jasa Keuangan dan pemangku kepentingan lainnya.
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Unit Audit Internal
Internal Audit Unit
Unit Audit Internal (UAI) merupakan organ pendukung di The Internal Audit Unit (UAI) is a supporting governing body
bawah Direksi yang berperan sebagai mitra strategis bagi under the Board of Directors that serves as a strategic partner
Manajemen untuk memberikan keyakinan dan konsultasi to Management by providing independent and objective
secara independen dan objektif terhadap unit-unit kerja assurance and consultation to the Company's operational
di Perseroan. Sebagai unit kerja yang bertanggung jawab units. As a working unit directly responsible to the President
langsung kepada Presiden Direktur, UAI menjalankan Director, UAI carries out internal audit activities to evaluate
aktivitas audit internal untuk mengevaluasi dan meningkatkan and improve the effectiveness of risk management, internal
efektivitas manajemen risiko, pengendalian internal, dan control, and governance of the Company. Overall, internal
tata kelola Perseroan. Secara keseluruhan, aktivitas audit audit activities within the scope of the Company refer to the
internal pada lingkup Perseroan mengacu pada ketentuan provisions of POJK No. 56/POJK.04/2015 concerning the
POJK No. 56/POJK.04/2015 tentang Pembentukan dan Establishment and Guidelines for the Preparation of Internal
Pedoman Penyusunan Piagam Unit Audit Internal, serta Audit Unit Charter, as well as guided by international best
berpedoman pada best practice internasional, yaitu practices, namely the International Professional Practices
International Professional Practices Framework (IPPF) yang Framework (IPPF) developed by the Institute of Internal
dikembangkan oleh Institute of Internal Auditors (IIA). Auditors (IIA).
Ruang Lingkup Aktivitas Audit Internal di Internal Audit Scope of Activities in the Company
Perseroan
Perseroan senantiasa bertumbuh dan berkembang The Company continues to grow and develop as a sound
sebagai perusahaan pembiayaan yang sehat dengan financing company by paying attention to and prioritizing
memperhatikan dan mengedepankan prinsip kehati-hatian prudential principles in performing its business. To ensure
dalam menjalankan bisnisnya. Untuk memastikan hal itu, UAI this, UAI performs a comprehensive internal audit function
menjalankan fungsi audit internal secara menyeluruh yang that covers activities at the Head Office level to the
mencakup kegiatan di tingkat Kantor Pusat sampai tingkat Operational Network implementation level.
implementasi Jaringan Operasional.
Dalam menjalankan fungsinya, aktivitas Audit Internal In conducting its function, Internal Audit activities are
dilakukan dengan pendekatan yang sistematis, objektif, completed with a systematic, objective, independent and
independen, dan berbasis risiko. risk-based approach.
Sejalan dengan perkembangan dan tantangan industri In line with the development and challenges of the
multifinance yang semakin kompleks serta pemutakhiran increasingly complex multifinance industry and the latest
teknologi terkini, UAI mengembangkan mekanisme technology updates, UAI developed a Continuous Auditing
Continuous Auditing untuk melakukan pengujian secara mechanism to perform continuous and periodic testing of key
berkelanjutan dan periodik terhadap transaksi proses process transactions. In accordance with the development
kunci. Sesuai dengan perkembangan Model Tiga Lini yang of the Three-Line Model that emphasizes collaboration
menekankan kolaborasi dan komunikasi dalam memastikan and communication in ensuring strong governance and
tata kelola dan manajemen risiko yang kuat, UAI bekerja risk management, UAI works with the 1st and 2nd Lines by
sama dengan lini pertama (1st lines) dan 2nd Lines dengan implementing Collaborative Continuous Monitoring (CCM)
mengimplementasikan aktivitas Collaborative Continuous activities so that follow-up on key process deviations can
Monitoring (CCM) sehingga pelaksanaan tindak lanjut atas be done as early as possible.
penyimpangan proses kunci dapat dilakukan sedini mungkin.
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Tata Kelola Perusahaan
Corporate Governance
Piagam Audit Internal Internal Audit Charter
Dalam melaksanakan peran, tugas, dan tanggung jawabnya, In implementing their roles, duties, and responsibilities, all
seluruh personel auditor internal Perseroan senantiasa internal auditor personnel of the Company are always adhere
berpedoman pada Piagam Audit Internal No. 001/FIF/PAI/ to the Internal Audit Charter No. 001/FIF/PAI/IAD/IV/2022
IAD/IV/2022 yang telah ditetapkan oleh Presiden Direktur which has been established by the President Director on
tanggal 7 April 2022 dan sudah mendapat persetujuan April 7, 2022 and has been approved by the Chairman of
Ketua Komite Audit. Penyusunan Piagam Audit Internal the Audit Committee. The preparation of the Internal Audit
sudah disesuaikan dengan POJK No. 56/POJK.04/2015 Charter has been adjusted to POJK No. 56/POJK.04/2015
tanggal 23 Desember 2015 tentang Pembentukan dan dated December 23, 2015 concerning the Establishment
Pedoman Penyusunan Piagam Unit Audit Internal serta and Guideline for the Preparation of Internal Audit Unit
berlandaskan pada standar internasional yang dikeluarkan Charter and based on international standards issued by
oleh The Institute of Internal Auditors (IIA). The Institute of Internal Auditors (IIA).
Visi dan Misi Vision and Mission
Visi: Vision:
Menjadi mitra strategis bagi manajemen dalam mencapai To be management’s strategic partner in achieving company
tujuan perusahaan serta mewujudkan praktik tata kelola goals and realizing good corporate governance practices
perusahaan yang baik dengan berpedoman pada standar based on generally accepted professional standards.
profesi yang berlaku umum.
Misi: Mission:
1. Menjalankan kegiatan assurance serta konsultasi dalam 1. Conduct assurance and consulting activities to provide
upaya memberikan nilai tambah serta meningkatkan added value and improve effectiveness and efficiency.
efektivitas dan efisiensi secara independen.
2. Membantu perusahaan dalam upaya pencapaian 2. Support the Company in achieving its goals through
tujuannya dengan menggunakan pendekatan sistematis a systematic approach to evaluate and improve risk
untuk mengevaluasi serta meningkatkan efektivitas management, control, and corporate governance
dari aktivitas manajemen risiko, pengendalian, dan tata activities effectiveness.
kelola perusahaan.
3. Mendorong kesadaran organisasi untuk menjalankan 3. Promote organizational awareness to effectively
pengendalian internal serta pengelolaan risiko implement internal control and risk management.
secara efektif.
Tugas, Tanggung Jawab, dan Kewenangan Unit Internal Audit Unit Duties, Responsibilities, and
Audit Internal Authorities
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab UAI, adalah sebagai berikut: The duties and responsibilities of UAI are as follows:
1. Menyusun dan melaksanakan rencana Audit Internal 1. Prepare and execute the annual Internal Audit plans that
tahunan yang disetujui oleh Presiden Direktur, meliputi approved by the President Director, covering financial,
bidang keuangan, akuntansi, operasional, sumber daya accounting, operational, human capital, marketing,
manusia, pemasaran, teknologi informasi, dan aktivitas information technology, and other relevant activities
lainnya yang relevan baik di kantor pusat maupun both in Head Office and Operational Network;
jaringan operasionalnya;
2. Menguji dan mengevaluasi pelaksanaan pengendalian 2. Verify and evaluate internal control and risk management
internal dan sistem manajemen risiko sesuai dengan system implementation according to Company’s policy;
kebijakan perusahaan;
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3. Melakukan pemeriksaan dan penilaian atas kepatuhan, 3. Review and assess compliance, efficiency, and
efisiensi, dan efektivitas baik dari proses bisnis utama effectiveness from core business process and supporting
maupun proses bisnis pendukung; business process;
4. Memberikan saran perbaikan dan informasi yang objektif 4. Provide recommendations for improvement and
tentang kegiatan yang diperiksa pada semua tingkat objective information regarding the audited activities
manajemen; at all management levels;
5. Membuat laporan hasil audit dan menyampaikan laporan 5. Prepare an audit report and submit the report to the
tersebut kepada Presiden Direktur dan Dewan Komisaris; President Director and the Board of Commissioners;
6. Memantau, menganalisis, dan melaporkan pelaksanaan 6. M o n i t o r, a n a l y z e, a n d r e p o r t f o l l o w - u p o f
tindak lanjut perbaikan yang telah disarankan; improvement recommendation;
7. Bekerja sama dengan Komite Audit; 7. Collaborate with the Audit Committee;
8. Menyusun program untuk mengevaluasi mutu kegiatan 8. Develop a program to evaluate the quality of Internal
(Quality Assurance) Audit Internal yang dilakukannya; Audit activities (Quality Assurance) conducted;
9. Berkoordinasi secara internal dan eksternal dengan 9. Coordinate internally and externally with the relevant
fungsi terkait seperti: Risk dan fungsi lainnya untuk function such as Risk Management and process owner
menghindari duplikasi tugas; dan to avoid any duplication of duties; and
10. Melakukan pemeriksaan khusus (special assignment) 10. Perform a special assignment based on the Board
atas permintaan Direksi, Senior Manajemen, dan/atau of Directors, Senior Management, and/or the Audit
Komite Audit yang relevan dengan ruang lingkup tugas Committee request relevant to its scope of work and
Audit Internal dan tidak mengganggu independensi. does not violate its independency.
Kewenangan Authority
UAI memiliki sejumlah kewenangan untuk mendukung UAI has a number of authorities to support the smooth
kelancaran pelaksanaan tugas dan tanggung jawabnya implementation of its duties and responsibilities within the
sesuai dalam batasan yang diatur dalam Piagam Audit limits set forth in the Internal Audit Charter, as follows:
Internal, yaitu sebagai berikut:
1. Presiden Direktur memberikan wewenang kepada 1. President Director authorizes Internal Audit to access all
Audit Internal untuk mengakses seluruh dokumen dan relevant documents and information about the Company
informasi yang relevan tentang Perseroan terkait dengan related to its duty and function;
tugas dan fungsinya;
2. Melakukan komunikasi secara langsung dengan Direksi, 2. Directly communicate with the Board of Directors, Board
Dewan Komisaris, dan/atau Komite Audit; of Commissioners, and/or Audit Committee;
3. Mengadakan rapat secara berkala dan insidentil dengan 3. Hold periodic and incidental meetings with the Board
Direksi, Dewan Komisaris, dan/atau Komite Audit; dan of Directors, Board of Commissioners, and/or Audit
Committee; and
4. Melakukan koordinasi kegiatannya dengan kegiatan 4. Coordinate its activities with External Auditor’s activities.
Auditor Eksternal.
Struktur dan Kedudukan Unit Audit Internal Internal Audit Unit Structure and Position
Penjelasan mengenai struktur dan kedudukan UAI di An explanation of the structure and position of UAI in the
Perseroan, adalah sebagai berikut: Company is as follows:
1. UAI dipimpin oleh seorang Kepala Unit Audit Internal; 1. UAI is led by a Head of Internal Audit Unit;
2. Kepala UAI bertanggung jawab kepada Presiden 2. The Head of UAI is responsible to the President Director;
Direktur;
3. Kepala UAI diangkat dan diberhentikan oleh Presiden 3. The Head of UAI is appointed and dismissed by the
Direktur atas persetujuan Dewan Komisaris; President Director with the Board of Commissioners’
approval;
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4. Presiden Direktur dapat memberhentikan Kepala UAI 4. The President Director may dismiss the Head of UAI at
sewaktu-waktu, setelah mendapatkan persetujuan any time, after receiving the Board of Commissioners’
Dewan Komisaris, jika Kepala UAI tidak dapat memenuhi approval, if the Head of UAI cannot meet the requirements
persyaratan sebagaimana diatur dalam Piagam Audit stipulated in the Internal Audit Charter and/or fails to
Internal dan/atau gagal atau tidak cakap dalam perform or is not proficient in completing their duties;
menjalankan tugas;
5. Kepala UAI dan anggota Audit Internal tidak merangkap 5. The Head of UAI and Internal Audit members do not
tugas dan/atau fungsi operasional perusahaan secara concurrently perform duties and/or direct operational
langsung; functions of the Company;
6. Anggota Unit Audit Internal bertanggung jawab secara 6. Internal Auditors in the Internal Audit organization are
langsung kepada Kepala UAI; directly responsible to the Internal Audit Head;
7. UAI memiliki sumber daya yang memadai; dan 7. UAI has adequate resources; and
8. Sejalan dengan Visi dan Misi UAI, organisasi UAI memiliki 8. In line with UAI's Vision and Mission, the UAI organization
4 sub bagian yaitu: has 4 sub-sections, namely:
a. Corporate Audit; a. Corporate Audit;
b. Information Technology Audit; b. Information Technology Audit;
c. Operational Network Audit; dan c. Operational Network Audit; and
d. Audit Quality Assurance & Development. d. Audit Quality Assurance & Development.
Struktur organisasi UAI dan kedudukannya dalam Perseroan The organizational structure of UAI and its position in the
dijelaskan pada bagan berikut ini: Company is explained in the following chart:
President Director
Head of Internal Audit
Corporate Information Operational Audit Quality Assurance
Audit Technology Audit Network Audit & Development
Sepanjang tahun 2024, UAI Perseroan didukung oleh Throughout 2024, the Company's UAI was supported by a
sebanyak 38 personel, terdiri dari 1 (satu) orang Kepala total of 38 personnel, consisting of 1 (one) Head of UAI and
UAI dan 37 (tiga puluh tujuh) anggota UAI. 37 (thirty seven) UAI members.
Pelaporan Hasil Audit Internal Audit Report Submission
UAI melaporkan seluruh hasil dari aktivitas audit internal UAI reports all results of internal audit activities to
kepada Manajemen, Direksi, Dewan Komisaris dan Management, the Board of Directors, the Board of
seluruh anggotanya. Dalam Laporan Hasil Audit (LHA), UAI Commissioners and all its members. In the Audit Results
mengungkapkan temuan audit, rekomendasi, tanggapan Report (LHA), UAI discloses audit findings, recommendations,
manajemen, komitmen auditee, dan perkembangan tindak management responses, auditee commitments, and the
lanjut atas saran perbaikan yang telah disampaikan UAI progress of follow-up actions on improvement suggestions
kepada unit-unit kerja. previously provided by UAI to the respective operational units.
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Persyaratan Auditor Internal Internal Auditor Requirements
Perseroan menetapkan standar auditor internal dengan The Company establishes internal auditor standards by
mempertimbangkan kompetensi, keahlian, pengetahuan, considering competence, expertise, knowledge, and
serta pengalaman profesional dalam melakukan audit di professional experience in conducting audits within the
bidang operasional perusahaan pembiayaan. Ketentuan financing company’s operational field. Provisions regarding
mengenai persyaratan auditor internal yang berlaku di the requirements of internal auditors applicable in the
Perseroan, antara lain: Company, among others:
1. Memiliki integritas, dan perilaku yang profesional, 1. Have integrity, professionalism, independence, honesty,
independen, jujur, dan objektif dalam pelaksanaan and objectivity in conducting duties;
tugasnya;
2. Memiliki pengetahuan dan pengalaman relevan 2. Have knowledge and experience on audit techniques
mengenai teknis audit dan disiplin ilmu lain yang relevan and other disciplines of knowledge that are relevant
dengan bidang tugasnya; with their duties;
3. Memiliki pengetahuan tentang peraturan perundang- 3. Have knowledge on statutory regulations in Capital
undangan di bidang Pasar Modal dan peraturan Market and other relevant laws and regulations;
perundang-undangan terkait lainnya;
4. Memiliki kecakapan untuk berinteraksi dan 4. Have verbal and written skills to communicate effectively;
berkomunikasi baik lisan maupun tertulis secara efektif;
5. Memahami proses bisnis dan prinsip pengelolaan risiko; 5. Understand business processes and risk management
principles;
Kode Etik Audit Internal Internal Audit Code of Conduct
Dalam menjalankan tugasnya, auditor internal harus In performing their duties, internal auditors must perform
melakukan pekerjaan dengan jujur, tekun, dan penuh work honestly, diligently, and responsibly, and are required
tanggung jawab, serta wajib menegakkan prinsip- to uphold the basic principles outlined in the professional
prinsip dasar yang diatur dalam Kode Etik profesi, yaitu Code of Conduct, which are as follows:
sebagai berikut:
1. Integritas 1. Integrity
Auditor Internal harus menunjukkan loyalitas terhadap Internal Auditor must demonstrate loyalty to his/her
organisasinya, tidak boleh secara sadar terlibat organization, shall not be consciously involved in any
dalam kasus yang melanggar hukum, dan tidak boleh illegal cases, and shall not receive any gratification
menerima sesuatu dalam bentuk apapun dari auditee from the auditee and external party that affects his/her
dan pihak eksternal yang mempengaruhi pertimbangan professional judgment.
profesionalnya.
2. Objektivitas 2. Objectivity
Auditor Internal dapat melihat segala sesuatunya yang Internal Auditor has the ability to objectively and
menyangkut dengan pekerjaan audit secara objektif dan professionally analyze any aspect regarding the audit
profesional serta menghindari keberpihakan. project and avoid any partiality.
3. Kerahasiaan 3. Confidentiality
Auditor Internal menghargai nilai dan kepemilikan Internal Auditor respects the value and ownership of any
informasi yang mereka terima dan tidak memaparkan information and does not share any information without
informasi tersebut tanpa persetujuan yang berwenang, authorized approval, except under legal or professional
kecuali apabila diwajibkan melakukan itu berdasarkan order.
tuntutan hukum atau profesi.
4. Kompetensi 4. Competence
Auditor internal harus senantiasa menerapkan dan Internal Auditor must apply and improve knowledge, skill,
meningkatkan pengetahuan, keahlian, dan pengalaman and experience needed in Internal Audit implementation.
yang diperlukan dalam pelaksanaan Audit Internal.
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Profil Kepala Unit Audit Internal
Profile of Head of Internal Audit Unit
HELLY KOESDIANTO
Kepala Unit Audit Internal | Head of Internal Audit
Usia | Age Kewarganegaraan | Citizenship Domisili | Domicile
54 tahun | years Indonesia Jakarta
Dasar Pengangkatan Surat Keputusan Direksi Nomor 015/PROMO/SK-HRD/VIII/2016
Legal Basis of Appointment Decree of the Board of Directors No. 015/PROMO/SK-HRD/VIII/2016
Riwayat Pendidikan Sarjana Akuntansi dari Universitas Brawijaya, Malang (tahun 1994)
Educational Background Bachelor of Accounting from Brawijaya University, Malang (1994)
Sertifikasi Profesi -
Professional Certification
Riwayat Pekerjaan Beliau memulai kariernya sebagai Auditor Internal di Perseroan sejak tahun
Career History 1995. Selama berkarier beliau telah memiliki pengalaman panjang bertugas
sebagai Kepala Cabang dan Kepala Wilayah di beberapa wilayah operasional
Perseroan sebelum akhirnya menjabat sebagai Kepala UAI Perseroan.
He started his career as an Internal Auditor in the Company since 1995.
Throughout his career, he has gained extensive experience serving as Branch
Head and Regional Head in several of the Company's operational areas
before ultimately being appointed as the Head of UAI.
Rangkap Jabatan -
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Komisaris, Direksi, dan
Affiliated Relationship pemegang saham.
Has no affiliation with members of the Board of Commissioners, the Board of
Directors, and shareholders.
Pengangkatan Bapak Helly Koesdianto sebagai Kepala The appointment of Mr. Helly Koesdianto as the Head of
UAI Perseroan telah dilaporkan ke OJK melalui Surat UAI of the Company has been reported to FSA through the
Keputusan Direksi No. 015/PROMO/SK-HRD/VIII/2016 Board of Decree of the Board of Directors No. 015/PROMO/
tanggal 1 Agustus 2016. SK-HRD/VIII/2016 dated August 1, 2016.
Pengangkatan dan Pemberhentian Kepala Unit Appointment and Dismissal of Head of Internal
Audit Internal Audit Unit
Kepala UAI diangkat dan diberhentikan oleh Presiden Appointment and Dismissal of Head of Internal Audit Unit
Direktur atas persetujuan Dewan Komisaris dengan The Head of UAI is appointed and dismissed by the President
mempertimbangkan rekomendasi Komite Audit, serta Director with the approval of the Board of Commissioners by
dilaporkan kepada OJK. considering the recommendation of the Audit Committee,
and is reported to FSA.
Sertifikasi Profesi Audit Internal Internal Audit Professional Certification
Perseroan mendorong seluruh personel UAI untuk The Company encourages all UAI personnel to participate in
mengikuti program sertifikasi guna mengembangkan dan certification programs to develop and enhance competencies
meningkatkan kompetensi secara terus-menerus agar tetap continuously to remain relevant to the latest advancements
relevan dengan perkembangan ilmu audit terkini. Rincian in auditing. Details of the number of the Company's internal
jumlah auditor internal Perseroan yang telah memperoleh auditors who have obtained certification in internal audit and
sertifikasi di bidang audit internal dan manajemen risiko risk management until December 31, 2024, are as follows:
sampai dengan 31 Desember 2024 adalah sebagai berikut:
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Jenis Sertifikasi Jumlah Auditor Internal
Type of Certification Number of Internal Auditor
Indonesia Internal Audit Practitioner (IIAP) 1
ISO 27001:2013 1
ISO 37001:2016 2
ISO 27001:2022 2
Qualified Internal Auditor (QIA) 1
Independensi dan Objektivitas Auditor Internal Independence and Objectivity of Internal Auditor
Seluruh auditor internal Perseroan merupakan para All of the Company's internal auditors are professionals who
profesional yang senantiasa bekerja secara independen consistently work independently and objectively, and always
dan objektif, serta selalu menjunjung tinggi integritas upholding integrity in performing audits. The independence
dalam melakukan pemeriksaan audit. Independensi of UAI in carrying out its duties and responsibilities is outlined
UAI dalam menjalankan tugas dan tanggung jawabnya in the Integrity Pact which must be signed by all internal
tertuang dalam Pakta Integritas yang wajib ditandatangani auditors. UAI is required to plan, implement, report, and
oleh seluruh auditor internal. UAI wajib merencanakan, monitor audit activities independently and objectively,
melaksanakan, melaporkan, dan memantau aktivitas without being influenced by any interest and free from any
audit secara independen dan objektif, tanpa dipengaruhi form of conflict of interest, and uphold the professional code
kepentingan mana pun dan terbebas dari segala bentuk of conduct for internal auditors.
benturan kepentingan, serta memegang teguh kode etik
profesi auditor internal.
Rapat Unit Audit Internal Internal Audit Unit Meeting
Dalam melaksanakan tugasnya, UAI secara rutin mengadakan In conducting its duties, UAI routinely holds coordination
rapat koordinasi dengan Direksi dan Komite Audit sesuai meetings with the Board of Directors and the Audit
dengan agenda yang disepakati bersama. Pada tahun 2024, Committee according to a mutually agreed agenda. In 2024,
UAI telah mengadakan pertemuan dengan Presiden Direktur UAI has held monthly meetings with the President Director,
setiap bulan, 8 (delapan) kali rapat bersama Komite Audit, 8 (eight) meetings with the Audit Committee, and 2 (two)
dan 2 (dua) kali pertemuan dengan Dewan Komisaris. meetings with the Board of Commissioners.
Pelatihan dan/atau Peningkatan Kompetensi Unit Internal Audit Unit Training and/or Competency
Audit Internal Tahun 2024 Improvement in 2024
UAI secara aktif mengikuti sejumlah kegiatan pendidikan UAI actively participates in various educational and/or
dan/atau pelatihan yang relevan dengan profesi audit training activities relevant to the internal audit profession
internal guna meningkatkan wawasan serta memperdalam to broaden insights and deepen each internal auditor's
pemahaman setiap auditor internal tentang perkembangan understanding of the development of best practices in
best practice audit internal dan standar mutu audit bagi internal auditing and quality audit standards for financing
perusahaan pembiayaan. Dalam rangka meningkatkan companies. To enhance their competencies, in 2024, the
kompetensinya, pada tahun 2024, auditor internal Perseroan Company's internal auditors have attended the following
telah mengikuti kegiatan pelatihan, seminar atau workshop training sessions, seminars, or workshops:
sebagai berikut:
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Tanggal
Jenis Pelatihan Peserta Penyelenggara
Pelaksanaan
Type of Training Participants Organizer
Date of Implementation
Communication Skill 2 15 Februari 2024 Group Audit and Risk Advisory (GANRA)
February 15, 2024 – PT Astra International Tbk
Basic Legal 1 26 Maret 2024 Group Audit and Risk Advisory (GANRA)
March 26, 2024 – PT Astra International Tbk
Managing Difficult Client 3 21 - 22 Mei 2024 Group Audit and Risk Advisory (GANRA)
May 21-22, 2024 – PT Astra International Tbk
Interview and Presentation Techniques 6 25 - 26 Juni 2024 Group Audit and Risk Advisory (GANRA)
June 25-26, 2024 – PT Astra International Tbk
CISA Review Course 2 12 - 16 Agustus 2024 Group Audit and Risk Advisory (GANRA)
August 12-16, 2024 – PT Astra International Tbk
Workshop Cyber Security 1 12 – 14 Agustus 2024 Otoritas Jasa Keuangan (OJK)
August 12-14, 2024 Financial Services Authority (FSA)
CIA Review Course 1 4 - 17 November 2024 Institute of Internal Auditors (IIA)
November 4-17, 2024
Indonesia Internal Audit Practitioner (IIAP) 1 3 – 21 Juni 2024 Institute of Internal Auditors (IIA)
June 3-21, 2024
Risk and Governance Summit 2 26 November 2024 Otoritas Jasa Keuangan (OJK)
November 26, 2024 Financial Services Authority (FSA)
High Impact Reporting 1 28 November 2024 Group Audit and Risk Advisory (GANRA)
November 28, 2024 – PT Astra International Tbk
Analyzing and Improving Business Process 2 19 - 20 Desember 2024 Group Audit and Risk Advisory (GANRA)
December 19-20, 2024 – PT Astra International Tbk
Threat Intelligence 1 16 - 18 Desember 2024 Group Audit and Risk Advisory (GANRA)
December 16-18, 2024 – PT Astra International Tbk
Laporan Pelaksanaan Tugas Unit Audit Internal Internal Audit Unit Duty Implementation Report
Tahun 2024 2024
Sepanjang tahun 2024, UAI telah melaksanakan kegiatan Throughout 2024, UAI has completed assurance and
assurance dan konsultasi sesuai dengan rencana audit consulting activities in accordance with the annual audit
tahunan dengan pencapaian sebesar 101%. plan, achieving a completion rate of 101%.
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Audit Eksternal
External Audit
Mekanisme Penunjukan Kantor Akuntan Publik Public Accounting Firm Appointment Mechanism
(KAP)
Sesuai dengan ketentuan Pasal 13 ayat (1) POJK No. 13/ In accordance with the provisions of Article 13 paragraph (1)
POJK.03/2017 (“POJK 13/2017”) tentang Penggunaan of POJK No. 13/POJK. 03/2017 (“POJK 13/2017”) concerning
Jasa Akuntan Publik dan Kantor Akuntan Publik dalam the Use of Public Accountants and Public Accounting Firms
Kegiatan Jasa Keuangan, maka proses penunjukan in Financial Services Activities, the process of appointing a
Akuntan Publik (AP) dan/atau Kantor Auntan Publik (KAP) Public Accountant (PA) and/or Public Accounting Firm (PAF)
pada lingkup penugasan di Perseroan, serta penetapan within the scope of the assignment in the Company, as well
biaya/honorariumnya dilakukan melalui mekanisme RUPS as determining the fees/honorariums, is carried out through
dengan mempertimbangkan usulan Dewan Komisaris dan the GMS mechanism by considering the proposals of the
Komite Audit. Pelaksanaan Audit Eksternal diperlukan Board of Commissioners and the Audit Committee. External
untuk memastikan penyajian laporan keuangan Perseroan Audit is necessary to ensure that the Company's financial
telah sesuai dengan Standar Akuntansi Keuangan (SAK) statements are presented in accordance with Financial
yang berlaku di Indonesia. Dalam hal ini, auditor eksternal Accounting Standards (SAK) applicable in Indonesia. In this
bertanggung jawab dalam menyampaikan pernyataan case, the external auditor is responsible for submitting a
mengenai apakah laporan keuangan telah disajikan secara statement as to whether the financial statements are fairly
wajar, dalam semua hal yang material, posisi keuangan, hasil presented, in all material respects, the financial position,
usaha, serta arus kas. Sedangkan, Manajemen Perseroan operating results, and cash flows. Meanwhile, the Company's
bertanggung jawab dalam hal penyajian laporan keuangan Management is responsible for the presentation of the
Perseroan dan aspek kepatuhannya terhadap SAK yang Company's financial statements and their compliance with
berlaku di Indonesia sebagaimana telah ditetapkan oleh the prevailing Indonesian Financial Accounting Standards
Ikatan Akuntan Indonesia (IAI) dan Otoritas Jasa Keuangan (SAK) as stipulated by the Indonesian Institute of Accountants
(OJK). (IAI) and the Financial Services Authority (FSA).
Komunikasi Komite Audit dan Auditor Eksternal Communication Between the Audit Committee
and External Auditor
Selama proses audit eksternal berlangsung, Komite During the external audit process, the Audit Committee
Audit menjalin komunikasi dengan Akuntan Publik serta maintains communication with the Public Accountant and
menjalankan peran pengawasan untuk memastikan proses performs a supervisory role to ensure that the external audit
audit eksternal sudah berjalan sesuai dengan Standar process adheres to Professional Accountant Standards and
Profesional Akuntan serta tunduk pada perjanjian kerja complies with the agreed-upon work arrangements and audit
sama dan ruang lingkup audit yang telah ditetapkan agar scope. This is done to ensure the audit is completed on time
dapat selesai tepat waktu sesuai dengan tenggat waktu yang as per the mutually agreed deadline. To facilitate a smooth
telah disepakati bersama. Guna mendukung kelancaran external audit process, the Company provides external
proses audit eksternal, Perseroan memberikan akses yang auditors with adequate access to records, documentation,
memadai kepada auditor eksternal untuk mendapatkan and other necessary information.
catatan, dokumentasi, dan informasi lain yang diperlukan.
Sebagai bagian dari pelaksanaan fungsi monitoring, Komite As part of its monitoring function, the Audit Committee
Audit secara berkala melakukan pertemuan rutin dengan periodically holds routine meetings with external auditors
auditor eksternal untuk membahas beberapa permasalahan to discuss several significant issues to minimize risk and
penting yang signifikan guna meminimalkan risiko dan ensure that the corrective measures taken by Management
memastikan bahwa langkah-langkah perbaikan yang diambil are in accordance with Company policy and applicable
Manajemen telah sesuai dengan kebijakan Perseroan dan regulations. All audit results and findings obtained during
peraturan yang berlaku. Seluruh hasil audit dan temuan the external audit process will be submitted by the Public
yang didapatkan selama proses audit eksternal berlangsung Accountant through a management letter to the Board of
akan disampaikan oleh Akuntan Publik melalui management Directors and the follow-up discussion will be discussed
letter kepada Direksi dan pembahasan mengenai tindak together with the Audit Committee.
lanjutnya didiskusikan bersama-sama dengan Komite Audit.
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Daftar Kantor Akuntan Publik dan Akuntan Publik List of Public Accounting Firms and Public
selama Lima Tahun Terakhir Accountants for the Last Five Years
Berdasarkan hasil keputusan RUPS Tahunan tanggal 19 Based on the results of the Annual GMS decision dated April
April 2024, pemegang saham menyetujui pemberian kuasa 19, 2024, the shareholders approved the granting of power
dan wewenang kepada KAP Tanudiredja, Wibisana, Rintis & and authority to Tanudiredja, Wibisana, Rintis & Rekan (a
Rekan (anggota jaringan PricewaterhouseCoopers global) member of the global PricewaterhouseCoopers network)
atau yang sekarang sudah mengubah namanya menjadi KAP Public Accounting Firm or which has now changed its name
Rintis, Jumadi, Rianto & Rekan sebagai auditor eksternal to Rintis, Jumadi, Rianto & Partners Public Accounting Firm as
untuk memeriksa Laporan Keuangan Tahunan yang berakhir external auditors to examine the Annual Financial Statements
pada tanggal 31 Desember 2024. ending on December 31, 2024.
Berikut ini adalah daftar Auditor Eksternal Perseroan selama The following is a list of the Company's External Auditors
5 (lima) tahun terakhir: for the last 5 (five) years:
Jasa Non-
Ruang Lingkup
Tahun Nama Kantor Nama Audit yang
Jasa Audit yang
Buku Akuntan Publik Akuntan Publik Opini Audit Diberikan Biaya
Diberikan
Financial Name of Public Name of Public Audit Opinion Non-Audit Fee
Scope of Audit
Year Accounting Firm Accountant Services
Services Provided
Provided
2024 Rintis, Jumadi, Rianto & Muhammad Jasa Audit Wajar, dalam Ada Rp2.319.933.805
Rekan* Jusuf Wibisana Laporan Keuangan semua hal Available
(anggota PwC Global) Tahunan yang material
Rintis, Jumadi, Rianto Annual Financial Fair, in all
& Partners* (member of Statement Audit material
PwC Global) Services respects
2023 Tanudiredja, Wibisana, Muhammad Jasa Audit Wajar, dalam Ada Rp2.127.386.083
Rintis & Rekan (anggota Jusuf Wibisana Laporan Keuangan semua hal Available
PwC Global) Tahunan yang material
Tanudiredja, Wibisana, Annual Financial Fair, in all
Rintis & Partners Statement Audit material
(member of PwC Global) Services respects
2022 Tanudiredja, Wibisana, Lucy Luciana Jasa Audit Wajar, dalam Tidak Ada Rp2.150.727.725
Rintis & Rekan (anggota Suhenda, S.E., Laporan Keuangan semua hal None
PwC Global) Ak., CPA Tahunan yang material
Tanudiredja, Wibisana, Annual Financial Fair, in all
Rintis & Partners Statement Audit material
(member of PwC Global) Services respects
2021 Tanudiredja, Wibisana, Lucy Luciana Jasa Audit Wajar, dalam Tidak Ada Rp1.896.555.000
Rintis & Rekan (anggota Suhenda, S.E., Laporan Keuangan semua hal None
PwC Global) Ak., CPA Tahunan yang material
Tanudiredja, Wibisana, Annual Financial Fair, in all
Rintis & Partners Statement Audit material
(member of PwC Global) Services respects
2020 Tanudiredja, Wibisana, Jimmy Jasa Audit Wajar, dalam Tidak Ada Rp1.537.160.000
Rintis & Rekan (anggota Pangestu, S.E., Laporan Keuangan semua hal None
PwC Global) Tahunan yang material
Tanudiredja, Wibisana, Annual Financial Fair, in all
Rintis & Partners Statement Audit material
(member of PwC Global) Services respects
* Per 27 Mei 2024 KAP Tanudiredja, Wibisana, Rintis & Rekan mengalami perubahan nama menjadi Rintis, Jumadi, Rianto & Rekan.
As of May 27, 2024, Tanudiredja, Wibisana, Rintis & Partners has changed its name to Rintis, Jumadi, Rianto & Partners.
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Sistem Pengendalian Internal (SPI)
Internal Control System (SPI)
Kesesuaian Sistem Pengendalian Internal dengan Alignment of the Internal Control System with the
COSO Internal Control Framework COSO Internal Control Framework
Kerangka SPI Perseroan dikembangkan sesuai regulasi The Company's SPI framework is developed in accordance
yang berlaku di Indonesia serta mengacu pada standar with applicable regulations in Indonesia and refers to
internasional, yaitu COSO (Committee of the Sponsoring international standards, namely COSO (Committee of the
Organizations of the Treadway Commission) - Internal Sponsoring Organizations of the Treadway Commission) -
Control Integrated Framework. Parameter yang digunakan Internal Control Integrated Framework. The parameters used
Perseroan dalam mengevaluasi efektivitas SPI sesuai standar by the Company to evaluate the effectiveness of SPI, in line
COSO meliputi 5 (lima) komponen utama, yaitu: with COSO standards, encompass 5 (five) main components:
1. Lingkungan Pengendalian 1. Control Environment
Aspek ini mencakup nilai etis dan kompetensi dari This aspect includes the ethical values and competencies
Dewan Komisaris, Direksi, dan seluruh karyawan of the Board of Commissioners, Board of Directors, and
Perseroan, filosofi dan gaya kepemimpinan Manajemen all employees of the Company, as well as the philosophy
dalam menjunjung tinggi integritas termasuk cara and leadership style of the Management in upholding
yang ditempuh dalam melaksanakan kewenangan integrity, including the approaches taken in executing
dan tanggung jawabnya, pengorganisasian dan authority and responsibilities, organizing, and developing
pengembangan SDM. Dalam rangka membangun human capital. To build a robust control environment,
lingkungan pengendalian yang robust, Dewan Komisaris the Board of Commissioners takes part in overseeing
turut andil dalam melakukan pengawasan terhadap the evaluation of internal control implementation carried
evaluasi pelaksanaan pengendalian internal yang out by Internal Audit and External Audit to ensure the
dijalankan oleh Audit Internal dan Audit Eksternal dengan follow-up improvements are made on various findings
tujuan memastikan terlaksananya tindak lanjut perbaikan and issues faced by the Company.
atas berbagai temuan dan permasalahan yang dihadapi
Perseroan.
2. Manajemen Risiko 2. Risk Management
Aspek ini mencakup proses identifikasi, penilaian, This aspect covers the processes of identifying,
analisa, evaluasi, perlakuan, pelaporan, pengawasan assessing, analyzing, evaluating, treating, reporting,
serta komunikasi dan konsultasi atas risiko-risiko dengan monitoring, as well as communicating and consulting on
tujuan untuk memberikan keyakinan memadai bahwa risks, with the aim of providing reasonable assurance that
risiko-risiko utama yang dihadapi serta relevan terhadap the key risks faced by the Company, which are relevant
bisnis dan operasional Perseroan telah dikelola sesuai to its business and operations, have been managed
dalam batasan dan toleransi risiko (risk appetite and within the risk appetite and risk tolerance limits set
risk tolerance) yang sudah ditetapkan Manajemen. by Management.
3. Aktivitas Pengendalian 3. Control Activities
Aspek ini mencakup pengembangan kebijakan dan This aspect includes the development of policies and
prosedur sebagai bentuk implementasi pengendalian procedures as part of internal control implementation
internal untuk mendukung efektivitas penerapan to support the effectiveness of risk management and
manajemen risiko dan tata kelola Perseroan dalam corporate governance in achieving the objectives set by
mencapai sasaran yang telah ditetapkan oleh the Management. The control activities applied at every
Manajemen. Bentuk aktivitas pengendalian yang level of the Company's organizational structure include,
diterapkan pada setiap tingkat pada struktur organisasi among others: Authority, Authorization, Verification, and
Perseroan, mencakup antara lain: Kewenangan, Reconciliation, Performance Evaluation, Segregation of
Otorisasi, Verifikasi, dan Rekonsiliasi, Penilaian atas Duties, and Safeguarding of Company Assets.
Prestasi Kerja; Pembagian Tugas, serta Keamanan
terhadap Aset Perseroan.
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Tata Kelola Perusahaan
Corporate Governance
4. Sistem Informasi dan Komunikasi 4. Information and Communication Systems
Aspek ini mencakup berbagai upaya yang dilakukan This aspect covers various efforts made by the Company
Perseroan dalam membangun jalur komunikasi yang to establish effective communication channels that
efektif yang memungkinkan pendistribusian informasi enable the distribution of information and communication
dan komunikasi dilakukan secara cepat dan akurat to be implemented quickly and accurately to support the
guna mendukung pemahaman dan pelaksanaan tujuan understanding and implementation of internal control
pengendalian internal, proses dan tanggung jawab yang objectives, processes and responsibilities involving
melibatkan Dewan Komisaris, manajemen, serta seluruh the Board of Commissioners, management, and all
karyawan di unit-unit kerja terkait. employees in relevant work units.
5. Monitoring 5. Monitoring
Aspek ini mencakup proses penilaian terhadap kualitas This aspect involves the process of assessing the
sistem pengendalian internal pada setiap aktivitas quality of the internal control system across all Company
Perseroan, termasuk pengawasan secara independen activities, including independent supervision by the
oleh fungsi Audit internal, sehingga pemantauan kualitas internal Audit function, ensuring that monitoring of
sistem pengendalian internal dapat dilaksanakan internal control system’s quality is performed effectively
secara efektif dan efisien. Kualitas dan ketidakefektifan and efficiently. The quality and inefficiencies in internal
pengendalian internal yang terjadi, dilaporkan secara control are reported in stages to the Board of Directors,
berjenjang kepada Dewan Direksi, Dewan Komisaris, Board of Commissioners, with copies submitted to the
dan tembusannya disampaikan kepada Komite Audit. Audit Committee.
Dengan menerapkan kontrol internal yang berpedoman By implementing internal controls based on the COSO
pada kerangka COSO, Perseroan menaruh fokus dan framework, the Company focuses on the following matters:
perhatian pada hal-hal berikut ini:
1. Perseroan melaksanakan sistem pengendalian internal 1. The Company effectively conduct an internal control
secara efektif dalam penerapan Manajemen Risiko system in the implementation of the Company's Risk
Perseroan dengan mengacu pada kebijakan dan Management by referring to the established policies
prosedur yang telah ditetapkan. and procedures.
2. Sistem pengendalian internal dalam penerapan 2. The internal control system in the implementation of
Manajemen Risiko paling sedikit mencakup: Risk Management at a minimum includes:
a. Kesesuaian antara sistem pengendalian intern a. Consistency between internal control system and
dengan jenis dan tingkat risiko yang melekat pada inherent risk type and level in every business activity
kegiatan usaha Perseroan; of the Company;
b. Penetapan wewenang dan tanggung jawab untuk b. Establishment of authority and responsibility to
pemantauan kepatuhan kebijakan, prosedur, dan compliance monitor with policy, procedure and limit;
limit;
c. Penetapan jalur pelaporan dan pemisahan fungsi c. Establishment of clear reporting scheme and
yang jelas dari satuan kerja operasional kepada segregation of function in the operational working
satuan kerja yang melaksanakan fungsi pengendalian unit to the officer of the internal control function;
intern;
d. Struktur organisasi yang menggambarkan secara d. Organization structure which clearly illustrates
jelas tugas dan tanggung jawab masing-masing duties and responsibilities of every working unit
satuan kerja dan individu; and individual;
e. Pelaporan keuangan dan kegiatan operasional yang e. Accurate and timely financial and operational
akurat dan tepat waktu; reporting activity;
f. Kecukupan prosedur untuk memastikan kepatuhan f. Sufficiency of procedure to ensure Company’s
Perseroan terhadap ketentuan dan perundang- compliance to prevailing laws and regulations;
undangan yang berlaku;
g. Kaji ulang yang efektif, independen, dan objektif g. Effective, independent and objective review on
terhadap kebijakan, kerangka dan prosedur the Company’s operational policy, framework
operasional Perseroan; and procedure;
h. Pengujian dan kaji ulang yang memadai terhadap h. Sufficient evaluation and review on management
sistem informasi manajemen; information system;
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i. Dokumentasi secara lengkap dan memadai terhadap i. Complete and sufficient documentation on audit
cakupan, prosedur operasional, temuan audit, serta scope, operational procedure and audit finding as
tanggapan pengurus Perseroan berdasarkan hasil well as response from the Company’s Management
audit; dan based on audit report; and
j. Verifikasi dan kaji ulang secara berkala dan j. Periodic and continuous verification and review on
berkesinambungan terhadap penanganan the Company’s material weakness and initiative of
kelemahan Perseroan yang bersifat material dan the Company’s management to fixed occurred fraud.
tindakan pengurus Perseroan untuk memperbaiki
penyimpangan yang terjadi.
Kaji ulang oleh pihak independen, misalnya, antara lain Review by independent party, such as internal audit unit,
mencakup: including:
1. Keandalan kerangka Manajemen Risiko, yang mencakup 1. Reliability of Risk Management framework including
kebijakan, struktur organisasi, alokasi sumber daya, policy, organization structure, resources allocation, Risk
desain proses Manajemen Risiko, sistem informasi, dan Management process design, information system and
pelaporan Risiko Perseroan; dan Corporate Risk reporting; and
2. Penerapan Manajemen Risiko oleh satuan kerja bisnis 2. Risk Management implementation by Company’s
Perseroan/aktivitas pendukung, termasuk kaji ulang business/supporting unit including review on the
terhadap pelaksanaan pemantauan oleh satuan kerja implementation of monitoring by responsible unit in
yang melakukan fungsi Manajemen Risiko. Risk Management function.
Pengendalian Keuangan Financial Control
Perseroan memiliki komitmen untuk menyajikan informasi The Company is committed to presenting financial
keuangan yang sesuai dengan regulasi yang berlaku information in accordance with applicable regulations to
kepada para pemangku kepentingan. Untuk itu, Perseroan stakeholders. As a result, the Company consistently ensures
senantiasa memastikan bahwa terdapat pengendalian the implementation of internal controls over financial
internal terhadap aktivitas pengelolaan keuangan. management activities.
Pengendalian Operasional Operational Control
Perseroan menerapkan sistem pengendalian pada aspek The Company implements a control system in the operational
operasional dengan tujuan untuk memastikan bahwa seluruh aspect to ensure that all business and operational activities
aktivitas bisnis dan operasional yang dijalankan Manajemen carried out by Management both at the head office and
baik di kantor pusat maupun di kantor-kantor cabang telah in branch offices have been running in accordance with
berjalan sesuai dengan kebijakan dan prosedur internal, internal policies and procedures, as well as complying with
serta patuh terhadap ketentuan perundang-undangan applicable laws and regulations. All policies, procedures,
dan regulasi yang berlaku. Seluruh kebijakan, prosedur, operational instructions are updated regularly to reflect
instruksi operasional diperbaharui secara berkala agar dapat current operations.
menggambarkan kegiatan operasional terkini.
Selain berfokus untuk menjaga kepatuhan penyelenggaraan Moreover, to focus on maintaining business compliance
bisnis serta memastikan bahwa setiap risiko yang melekat and ensuring that any risks inherent in new products and
pada produk dan layanan baru sudah diidentifikasi, services have been identified, assessed, and mitigated
dinilai, serta telah dibuatkan rencana tindakan untuk through action plans to minimize potential risks that could
meminimalisasi dampak dan kemungkinan terjadinya potensi harm the Company or its debtors in the future. Other
risiko di kemudian hari yang bisa merugikan Perseroan efforts made by the Company to reduce operational risk
ataupun debitur. Upaya lain yang dilakukan Perseroan untuk are also shown through the implementation of the Business
mengurangi risiko operasional juga ditunjukkan melalui Continuity Plan (BCP), which serves as a foundation to ensure
implementasi Business Continuity Plan (BCP) yang digunakan the continuity of healthy and secure operational activities,
sebagai landasan untuk memastikan terlaksananya kegiatan even during disruptions or crises.
operasional yang sehat dan aman, bahkan saat terjadi
gangguan atau krisis.
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Tata Kelola Perusahaan
Corporate Governance
Kepatuhan Terhadap Perundang-Undangan Compliance with Laws and Regulations
Dalam rangka mengurangi risiko hukum dan risiko kepatuhan, In order to mitigate legal and compliance risks, the Company
Perseroan secara proaktif mengikuti perkembangan terkini proactively monitors the latest developments in laws and
atas peraturan perundang-undangan, khususnya regulasi regulations, particularly those relevant to its business
yang relevan dengan kegiatan usaha Perseroan di bidang activities in the financing sector.
pembiayaan.
Evaluasi atas Efektivitas Pengawasan dan Evaluation of the Effectiveness of Internal
Pengendalian Internal Tahun 2024 Supervision and Control in 2024
Berdasarkan hasil pemeriksaan audit berbasis risiko selama Based on the results of the risk-based audit throughout 2024,
tahun 2024, dapat disimpulkan bahwa Perseroan telah it can be concluded that the Company has implemented
mengimplementasikan aktivitas pengendalian internal effective internal control activities embedded at every
yang efektif serta melekat di setiap jenjang organisasi. organization level. This is evidenced by the absence of
Hal ini dibuktikan dengan tidak adanya temuan-temuan material or significant findings. The results of the internal
yang bersifat material atau signifikan. Atas hasil review audit review, along with corrective measures to enhance
Audit internal serta langkah-langkah perbaikan untuk governance effectiveness, risk management, and internal
meningkatkan efektivitas tata kelola, manajemen risiko, controls, have been submitted to the Board of Directors and
serta pengendalian internal, telah disampaikan kepada the Board of Commissioners for further action to support
Direksi dan Dewan Komisaris agar dapat ditindaklanjuti the achievement of the Company's objectives.
untuk mendukung pencapaian sasaran Perseroan.
Pernyataan Dewan Komisaris dan/atau Komite Statement by the Board of Commissioners and/or
Audit atas Kecukupan Sistem Pengendalian Audit Committee Regarding the Adequacy of the
Internal Internal Control System
Dewan Komisaris dan/atau Komite Audit senantiasa The Board of Commissioners and/or the Audit Committee
memastikan bahwa kerangka Sistem Pengendalian Internal always ensure that the Internal Control System framework
yang diimplementasikan Perseroan memadai. Perseroan implemented by the Company is adequate. The Company
telah mengimplementasikan aktivitas pengendalian secara has comprehensively implemented control activities to
komprehensif untuk mendukung efektivitas penerapan support the effectiveness of the implementation of risk
manajemen risiko dan tata kelola Perseroan dalam mencapai management and corporate governance in achieving
sasaran. Perseoran juga telah memastikan berjalannya its goals. The Company has also ensured independent
aktivitas pengawasan secara independen oleh fungsi audit monitoring activities by the Internal Audit function, enabling
internal, sehingga pemantauan kualitas sistem pengendalian the monitoring of the internal control system’s quality to be
internal dapat dilaksanakan secara efektif dan efisien. conducted effectively and efficiently.
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Manajemen Risiko
Risk Management
Komitmen Penerapan Kebijakan Risiko di Commitment to Implementing Risk Policy in the
Perseroan Company
Dalam menjalankan bisnsinya, Perseroan memahami In conducting its business, the Company acknowledges that
bahwa sejumlah risiko telah menjadi bagian dari kegiatan various risks are inherent to its operations as a financing
usaha yang dijalankan sebagai perusahaan pembiayaan company; thus, they cannot be avoided but can be managed
sehingga tidak dapat dihindari melainkan dapat dikelola optimally within the established limits of risk tolerance and
pada tingkat yang optimal, sesuai dalam batasan risk risk appetite. Recognizing that risk management activities are
tolerance dan risk appetite yang telah ditetapkan. Menyadari an integral part of every business process and operational
bahwa aktivitas pengelolaan risiko menjadi bagian yang activity, the Company consistently strives to foster a risk-
tidak terpisahkan dalam setiap proses bisnis dan kegiatan aware culture within the organization in order to encourage
operasional yang dijalankan, maka Perseroan terus berusaha employees to always conduct business in a legal and
menumbuhkembangkan budaya sadar risiko di tengah ethical manner.
organisasi agar setiap karyawan terdorong untuk selalu
menjalankan bisnis dengan cara legal dan etis.
Untuk itu, Perseroan secara proaktif mengelola risiko-risiko As a result, the Company proactively manages key risks with
utama dengan penuh hati-hati dan memastikan terlaksananya due care and ensures the implementation of effective risk
proses manajemen risiko yang efektif dalam memberikan management processes to guarantee the achievement of
jaminan terhadap pencapaian tujuan organisasi. Komitmen organizational objectives. This commitment is accompanied
tersebut diikuti dengan langkah konkret Perseroan dalam by concrete steps taken by the Company to design and
merancang dan menjalankan kerangka manajemen risiko implement an adequate risk management framework, as
yang memadai sebagaimana tercermin melalui kecukupan reflected in the adequacy of its policies, procedures, risk
kebijakan, prosedur, perangkat manajemen risiko, penetapan management tools, limit setting, and the authority of its
limit, dan kewenangan Organ. governing bodies.
Dalam menghadapi persaingan pasar yang semakin In facing the increasingly competitive market conditions and
kompetitif dan tantangan perubahan lanskap usaha the dynamic challenges of the financing business landscape,
pembiayaan yang dinamis, Perseroan berkomitmen untuk the Company remains committed to continuously improving
terus meningkatkan kualitas pengelolaan risiko sesuai the quality of risk management as mandated in Regulation
dengan yang diamanahkan dalam regulasi POJK No. 44/ of the Financial Services Authority No. 44/POJK.05/2020
POJK.05/2020 tentang Penerapan Manajemen Risiko Bagi concerning the Implementation of Risk Management for
Lembaga Jasa Keuangan Non-Bank. Selain mengacu pada Non-Bank Financial Institutions. In addition to adhering to
regulasi tersebut, aktivitas pengendalian risiko Perseroan this regulation, the Company's risk control activities are
juga terintegrasi dengan PT Astra International Tbk selaku integrated with PT Astra International Tbk as the Parent
Entitas Induk sehingga proses pengelolaan risiko Perseroan Entity. Consequently, the Company's risk management
tunduk pada Konglomerasi Keuangan Astra bersama processes align with the Astra Financial Conglomerate with
lembaga jasa keuangan lainnya di Astra Group baik yang other financial service institutions in the Astra Group, both
berstatus sebagai bank maupun non-bank. bank and non-bank entities.
Sebagai wujud komitmen Perseroan dalam menjalankan As part of the Company's commitment to implementing
GCG terutama dalam hal pengelolaan risiko, Perseron GCG, particularly in risk management, the Company has
telah menyusun dan menetapkan Kebijakan dan Prosedur developed and established the Basic Risk Management
Kebijakan Dasar Manajemen Risiko yang sudah disetujui Policy and Procedure, which was approved by the Board
oleh Direksi dan Dewan Komisaris pada tanggal 2 Agustus of Directors and the Board of Commissioners on August 2,
2021. Melalui pengelolaan risiko yang tepat dan efektif, 2021. Through precise and effective risk management, the
Perseroan mampu meminimalisasi dampak dari setiap Company can minimize the impact of potential risks, allowing
risiko yang ada sehingga segala bentuk ketidakpastian it to address uncertainties that may disrupt the process of
yang berpotensi mengganggu proses pencapaian target achieving the Company's targets and objectives at an early
dan tujuan Perseroan dapat ditangani lebih dini. Dengan stage. In doing so, the Company has the opportunity to
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Tata Kelola Perusahaan
Corporate Governance
begitu, Perseroan memiliki peluang untuk memaksimalkan optimize performance, promote business sustainability, and
kinerja dan mendorong keberlanjutan bisnis, serta dapat create added value for all of the Company's stakeholders.
menciptakan nilai tambah bagi seluruh pemangku
kepentingan Perseroan.
Kerangka dan Sistem Manajemen Risiko The Company's Risk Management Framework and
Perseroan System
Perseroan terus berusaha mengantisipasi munculnya risiko The Company continues to anticipate the emergence of
baru pada kegiatan usaha pembiayaan dengan menerapkan new risks in financing business activities by implementing
manajemen risiko yang memadai, efektif, dan terukur. adequate, effective, and measurable risk management.
Sebagai perusahaan pembiayaan, maka seluruh proses As a financing company, the Company's entire risk
manajemen risiko Perseroan mengacu pada ketentuan management process refers to the provisions of POJK
POJK NO. 44/POJK.05/2020 tertanggal 28 Agustus 2020 NO. 44/POJK.05/2020 dated August 28, 2020 concerning
tentang Penerapan Manajemen Risiko bagi Lembaga the Implementation of Risk Management for Non-Bank
Jasa Keuangan Non-Bank. Berdasarkan regulasi tersebut, Financial Institutions. Based on this regulation, the Company
Perseroan mengimplementasikan sistem manajemen risiko implements a risk management system that is supported
yang ditopang oleh 4 (empat) pilar penting, yaitu: by 4 (four) key pillars, namely:
1. Pengawasan aktif Direksi, Dewan Komisaris, dan Dewan 1. Implementing active supervision by the Board of Directors,
Pengawas Syariah; Board of Commissioners, and Sharia Supervisory Board;
2. Memastikan kecukupan kebijakan dan prosedur 2. Ensuring the adequacy of Risk Management policies
Manajemen Risiko serta penetapan limit Risiko; and procedures, as well as setting Risk limits;
3. Memastikan kecukupan proses identifikasi, pengukuran, 3. Ensuring the sufficiency of Risk identification,
pengendalian, dan pemantauan Risiko, serta sistem measurement, control, and monitoring processes, along
informasi Manajemen Risiko; dan with Risk Management information systems; and
4. Menerapkan sistem pengendalian internal yang 4. Implementing comprehensive internal control systems.
menyeluruh.
Selain wajib berpedoman pada regulasi yang berlaku, In addition to adhering to the prevailing regulations, the
penerapan sistem manajemen risiko di Perseroan juga implementation of risk management system in the Company
mengacu kepada COSO Enterprise Risk Management dan also refers to COSO Enterprise Risk Management and Risk
Pedoman Kerja Manajemen Risiko ISO 31000:2018, yang Management Guidelines ISO 31000:2018, as illustrated in
digambarkan pada bagan berikut: the following chart:
Struktur Tata Kelola Risiko
Risk Management Structure
Lingkup, Konteks, Kriteria | Scope, Context, Criteria
Penilaian Risiko | Risk Assessment
Identifikasi Risiko | Risk Identification
Communication & Consultation
Komunikasi & Konsultasi
Pengawasan & Review
Monitoring & Review
Analisa Risiko | Risk Analysis
Kemungkinan | Likelihood
Dampak | Impact
Tingkat Risiko (Hasil dari Penilaian atas Kemungkinan
dan Dampak Risiko) | Risk Level (Assessment Result
from Likelihood and Risk Impact)
Evaluasi Risiko | Risk Evaluation
Perlakukan Risiko | Risk Treatment
Pencatatan dan Pelaporan | Recording and Reporting
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Dengan melibatkan seluruh fungsi dan unit kerja serta By involving all functions and work units, as well as
kesadaran penuh karyawan akan risiko-risiko yang employees’ full awareness of the risks inherent to their
melekat dengan tugas dan tanggung jawabnya, Perseroan duties and responsibilities, the Company ensures that the
memastikan penerapan manajemen risiko telah terintegrasi implementation of risk management has been integrated into
ke dalam proses bisnis dan operasional secara komprehensif business processes and operations comprehensively so that
sehingga dapat menjadi early warning system yang efektif it can be an effective early warning system to detect potential
untuk mendeteksi potensi risiko secara cepat dan akurat. risks quickly and accurately. Considering the complexity
Dengan mempertimbangkan kompleksitas bisnis dan of the business and the variety of risk scales faced, the
variasi skala risiko yang dihadapi, maka Perseroan telah Company has established three (3) primary processes that
menetapkan 3 (tiga) proses utama yang wajib diterapkan must be implemented within its risk management system,
dalam sistem manajemen risiko, yaitu: namely:
1. Penerapan konteks untuk memberikan gambaran secara 1. Context application to provide a clear picture of the
jelas terkait tujuan proses bisnis organisasi sebagai objectives of the organization’s business processes as
landasan dalam melakukan risk assessment yang sesuai a basis to perform risk assessments in accordance with
dengan konteks organisasi. the organizational context.
2. Penilaian risiko mencakup mengidentifikasi risiko yang 2. Risk assessment includes identifying risks affecting
berpengaruh pada Perseroan, menghitung dampak dan the Company, calculating their impact and frequency
frekuensi serta pengaruhnya kepada tujuan Perseroan, and impact on the Company’s objectives, as well as
serta melakukan evaluasi secara berkala bersama conducting periodic evaluations together with all Risk
dengan seluruh Risk Control Owner. Control Owners.
3. Penanganan risiko dengan menerapkan strategi baru 3. Risk management by implementing a new strategy by
dengan menentukan resources yang diperlukan dan determining the resources needed and benchmarking
melakukan benchmarking serta melakukan rencana and carrying out a plan for handling the risks that arise.
penanganan risiko yang timbul.
Ketiga proses utama tersebut didukung oleh dua proses These three main processes are supported by two additional
lainnya yaitu komunikasi dan konsultasi, serta pengawasan processes, namely communication and consultation, as
dan review. Aspek ini menjadi hal penting yang tidak boleh well as monitoring and review. These aspects are critical
terlewatkan dalam proses pengelolaan risiko mengingat and cannot be overlooked in the risk management process
prinsip manajemen risiko menuntut pengelolaan risiko yang considering the principle of risk management requires
transparan dan inklusif, sehingga seluruh elemen organisasi transparent and inclusive risk management, so that all
harus dilibatkan dalam membangun sistem manajemen risiko elements of the organization must be involved in building
yang efektif seraya tetap memperhitungkan kepentingan an effective risk management system while still taking into
dari seluruh stakeholders organisasi. account the interests of all organizational stakeholders.
Pelaksanaan kegiatan komunikasi dan konsultasi juga The implementation of communication and consultation
diharapkan dapat memberikan dukungan yang memadai activities is also expected to provide adequate support for
pada seluruh rangkaian proses manajemen risiko sehingga the entire risk management process thereby making risk
membuat kegiatan manajemen risiko menjadi lebih tepat management activities more targeted. This is essential to
sasaran. Hal ini diperlukan untuk memastikan bahwa ensure that the implementation of risk management aligns
implementasi manajemen risiko telah berjalan sesuai dengan with the plans in place. Meanwhile, the results of monitoring
perencanaan yang dilakukan. Sementara itu hasil monitoring and review serve as input for the Board of Directors to
dan review digunakan sebagai bahan pertimbangan bagi improve the risk management process.
Direksi untuk melakukan perbaikan terhadap proses
manajemen risiko.
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Tata Kelola Perusahaan
Corporate Governance
Pengelolaan Risiko dengan Konsep Three Lines of Risk Management with Three Lines of Defense
Defense Concept
Perseroan mengadopsi prinsip tiga lapis pertahanan (three The Company adopts the three lines of defense (3LD) risk
lines of defence/”3LD”) manajemen risiko dalam mengelola management principle in managing its risks. By applying
risiko-risiko yang dihadapi. Dengan menerapkan model the 3LD model, the Company delineates organizational
3LD, Perseroan membagi fungsi-fungsi di dalam organisasi functions involved in risk management by distinguishing
yang terlibat di dalam manajemen risiko Perseroan dengan between business functions as risk owners and functions
membedakan antara fungsi-fungsi bisnis sebagai pemilik responsible for managing risks, and between functions
risiko (risk owner) terhadap fungsi-fungsi yang menangani overseeing risks and functions providing independent
risiko (managing risks), dan antara fungsi yang mengawasi assurance. The 3LD model approach in the context of the
risiko (overseeing risks) dengan fungsi yang menyediakan Company’s risk management can be presented as follows:
pemastian independen (independent assurance).
Pendekatan model 3LD dalam konteks manajemen risiko
Perseroan dapat disampaikan sebagai berikut:
ORGAN PENGURUS Akuntabilitas terhadap pemangku kepentingan atas pengawasan organisasi
GOVERNING BODY Accountability to stakeholders for organizational oversight
Peran Organ Pengurus: integritas, kepemimpinan, dan transparansi
Governing Body Roles: integrity, leadership, and tranparency
EXTERNAL ASSURANCE PROVIDERS
PENYEDIA ASURANS EKSTERNAL
MANAJEMEN Tindakan (termasuk pengelolaan risiko) AUDIT INTERNAL
MANAGEMENT untuk mencapai tujuan-tujuan organisasi INTERNAL AUDIT
Actions (include managing risk) Asuransi yang Independen
to archieve organizational objectives Independent Assurance
Peran lini pertama: Peran lini kedua: Peran lini ketiga:
Penyediaan produk/jasa kepada Ekspertis, bantuan, pemantauan, Asurans dan advis yang
klien; mengelola risiko dan tantangan atas hal-hal yang independen dan objektif atas
terkait dengan risiko segala hal yang terkait dengan
First line roles: pencapaian tujuan
Provision of products/services to Second line roles:
clients; managing risk Expertise, support, monitoring Thrid line roles:
and challenge on risk-related Independent and objective
matters assurance and advice on
all matters related to the
achievement of objectives
Akuntabilitas, Pelaporan Delegasi, Mengarahkan, Menyediakan Keselarasan, Komunikasi, Koordinasi, dan
Accountability, Reporting Sumber Daya, dan Pengawasan Kolaborasi
Delegation, Direction, Resources, Alignment, Communication, Coordination,
Oversight and Collaboration
Pada first line of defense, setiap pemimpin di masing- At the first line of defense, each leader in each work unit is
masing unit kerja bertanggung jawab dan mengontrol responsible for controlling and managing risk at the level of
serta mengelola risiko pada tingkat aktivitas kesehariannya. their daily activities. This responsibility includes the process
Tanggung jawab tersebut mencakup proses identifikasi, of identifying, measuring, controlling and mitigating risks
pengukuran, kontrol dan mitigasi risiko serta memastikan as well as ensuring that all operational procedures are
bahwa semua prosedur operasional sudah dijalankan dan completed and in accordance with company objectives.
sesuai dengan tujuan perusahaan.
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Sementara second line of defense dalam menjalankan At the same time, the second line of defense performed
fungsinya sebagai pertahanan lapis kedua dalam sistem its function as the second line of defense in the Company's
manajemen risiko Perseroan bertugas mengembangkan risk management system. It is tasked with developing and
dan memantau implementasi manajemen risiko secara monitoring the implementation of risk management as a
keseluruhan, melakukan pengawasan dan fungsi advisory whole, performing supervision and advisory functions to
terhadap fungsi bisnis, serta memantau dan melaporkan business functions, as well as monitoring and reporting on
risiko-risiko Perseroan secara menyeluruh. the Company's overall risks.
Selanjutnya fungsi-fungsi yang berada pada third line of Furthermore, the functions in the third line of defense are
defense bertugas menyediakan jaminan secara independen to provide independent assurance on the effectiveness of
atas efektivitas pelaksanaan tata kelola manajemen risiko the implementation of risk management governance carried
yang dilakukan oleh first and second line of defense. out by the first and second line of defense.
Identifikasi dan Upaya Mitigasi Risiko Risk Identification and Mitigation Efforts
Pada tahun 2024, Perseroan telah melaksanakan In 2024, the Company has implemented all stages of risk
seluruh tahapan identifikasi, penilaian, pemantauan, dan identification, assessment, monitoring, and control of the
pengendalian terhadap risiko-risiko utama yang secara key risks that materially impact the Company's business
material memengaruhi kegiatan usaha Perseroan, yaitu activities, as follows:
sebagai berikut:
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Tyoe of Risk Causes Impact Mitigation Plan
Risiko Kredit Risiko akibat kegagalan Perseroan kehilangan Untuk menghadapi risiko kredit, Perseroan melakukan
Credit Risk pihak lain dalam kesempatan untuk identifikasi dan pengukuran risiko terhadap strategi
memenuhi kewajiban mendapat bunga yang penyaluran pembiayaan, komposisi portofolio piutang
kepada Perseroan. berakibat pada penurunan pembiayaan dan tingkat konsentrasi, kualitas piutang
The risk arising from the pendapatan. pembiayaan dan kecukupan pencadangan, serta faktor
failure of third parties to The Company missed eksternal agar sesuai dengan appetite Perseroan.
fulfill their obligations to the opportunity to earn To mitigate credit risk, the Company identifies and
the Company. interest resulted in a measures the risk of the financing distribution strategy,
decrease in revenue. the composition of the financing receivables portfolio and
the level of concentration. Also, the quality of financing
receivables and the adequacy of reserves, as well as
external factors in accordance with the Company's
appetite.
Risiko Pasar Risiko akibat perubahan Perubahan posisi aset, Untuk menghadapi risiko pasar, Perseroan melakukan
Market Risk secara keseluruhan dari liabilitas, ekuitas, dan/ proses identifikasi dan pengukuran risiko yang dilakukan
kondisi pasar. atau rekening administratif terhadap komposisi aset dan liabilitas jangka pendek
The risk arising from termasuk transaksi termasuk transaksi rekening administratif, pengelolaan
overall market condition derivative Perseroan. arus kas, kerentanan pada kebutuhan pendanaan, dan
changes. Changes in asset akses pada sumber pendanaan.
positions, liabilities, equity, To mitigate market risk, the Company conducts a
and/or administrative risk identification and measurement process on
accounts, including the composition of short-term assets and liabilities
derivative transactions of including administrative account transactions, cash flow
the Company. management, vulnerability to funding needs, and access
to funding sources.
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Tata Kelola Perusahaan
Corporate Governance
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Tyoe of Risk Causes Impact Mitigation Plan
Risiko Risiko akibat Kerugian potensial Untuk menghadapi risiko likuiditas, Perseroan melakukan
Likuiditas ketidakmampuan Perseroan baik dari diversifikasi sumber pendanaan yang berasal dari
Liquidity Risk Perusahaan untuk segi finansial maupun pinjaman bank, surat utang, dan angsuran konsumen.
memenuhi liabilitas yang kehilangan peluang untuk To mitigate liquidity risk, the Company diversifies its
jatuh tempo dari sumber memperoleh keuntungan. funding sources from bank loans, debt securities, and
pendanaan arus kas dan/ The potential losses to the consumer installments.
atau dari aset likuid yang Company, both in financial
dapat dengan mudah terms and in missed
dikonversi menjadi kas, opportunities to gain profit.
tanpa mengganggu
aktivitas dan kondisi
keuangan Perseroan.
The risk arising from the
Company’s inability to
meet maturing liabilities
from cash flow funding
sources and/or readily
convertible liquid assets,
without disrupting the
Company’s activities and
financial condition.
Risiko Risiko akibat Kerugian potensial Untuk menghadapi risiko operasional, Perseroan
Operasional ketidakcukupan dan/ Perseroan baik dari senantiasa melakukan identifikasi dan pengukuran risiko
Operational atau tidak berfungsinya segi finansial maupun operasional agar tetap terjaga kompleksitas organisasi
Risk proses internal, kesalahan kehilangan kesempatan dan kegiatan usaha, sumber daya manusia, sistem
manusia, kegagalan untuk memperoleh teknologi dan informasi, risiko kecurangan (fraud),
sistem, dan/atau adanya keuntungan. gangguan terhadap bisnis dan organisasi, dan tingkat
kejadian eksternal yang The potential losses to interaksi dan ketergantungan Perseroan sesuai dengan
memengaruhi operasional the Company, both in appetite Perseroan.
Perseroan. financial terms impact and To mitigate operational risk, the Company always
The risk arising from in missed opportunities to identifies and measures operational risk in order to
inadequacies or gain profit. maintain the complexity of the organization and business
malfunctioning of internal activities, human capital, technology and information
processes, human errors, systems, fraud risk, disruption to business and
system failures, and/or organization, and the level of interaction and dependency
external events impacting of the Company in accordance with the Company's
the Company’s operations. appetite.
Risiko Hukum Risiko akibat tuntutan Perusahaan dikenai Untuk menghadapi risiko hukum, Perseroan perlu
Legal Risk hukum dan/atau sanksi administratif, baik mencermati peraturan perundang-undangan yang terkait
kelemahan aspek hukum. denda, surat peringatan, dengan kegiatan usaha Perseroan, menuangkannya
The risk arising from pemberhentian kegiatan sebagai pedoman dalam regulasi internal sebagai
legal claims and/or legal usaha, pembekuan usaha, panduan operasional Perseroan. Penerapan manajemen
vulnerabilities. hingga pencabutan usaha. risiko hukum dapat dijangkau melalui proses identifikasi,
The Company may face pengukuran, pemantauan, dan pengendalian risiko baik
various administrative eksternal maupun internal.
sanctions, including fines, To mitigate legal risk, the Company needs to carefully
warnings, suspension consider the laws and regulations related to the
of operations, business Company's business activities, incorporating them as
closure, or revocation of its guidelines in internal regulations as a guide for the
operating license. Company's operations. The implementation of legal
risk management is achieved through the process of
identifying, measuring, monitoring, and controlling both
external and internal risks.
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Jenis Risiko Penyebab Akibat Rencana Mitigasi
Tyoe of Risk Causes Impact Mitigation Plan
Risiko Risiko akibat Kegagalan dalam Untuk menghadapi risiko strategis, Perseroan melakukan
Strategis ketidaktepatan dalam mengantisipasi perubahan identifikasi terhadap risiko strategi yang dilakukan agar
Strategic Risk pengambilan dan/atau lingkungan bisnis. sesuai dengan strategi bisnis, kondisi lingkungan usaha,
pelaksanaan suatu Failure to anticipate pilihan strategi: strategi berisiko tinggi dan strategi
keputusan strategis. changes in the business berisiko rendah, posisi strategis Perseroran di industri,
The risk arising from environment. dan pencapaian realisasi bisnis Perseroan.
inaccuracies in the To mitigate strategic risks, the Company identifies the
formulation and/or strategic risks conducted to be in accordance with
execution of a strategic business strategy, business environment conditions,
decision. strategy choices. It includes high-risk strategies and low-
risk strategies, the Company's strategic position in the
industry, and the achievement of the Company's business
realization.
Risiko Risiko akibat Perseroan Menurunnya reputasi Untuk menghadapi risiko kepatuhan, Perseroan
Kepatuhan tidak mematuhi dan/ atau citra Perseroan di melakukan penilaian kepatuhan terhadap regulator dan
Compliance atau tidak melaksanakan mata masyarakat atau senantiasa memperbaharui kebijakan dasar penerapan
Risk peraturan perundang- konsumen manajemen risiko dan SOP untuk setiap fungsi sebagai
undangan dan ketentuan. The decline in the panduan setiap owner dari fungsi dalam melaksanakan
The risk arising from Company’s reputation or tata kelola yang baik.
the Company’s non- image in the eyes of the To mitigate strategic risks, the Company identifies the
compliance and/or failure public or consumers. strategic risks conducted to be in accordance with
to adhere to statutory business strategy, business environment conditions,
regulations and provisions. strategy choices. It includes high-risk strategies and low-
risk strategies, the Company's strategic position in the
industry, and the achievement of the Company's business
realization.
Risiko Risiko akibat menurunnya Menimbulkan persepsi Untuk menghadapi risiko reputasi, proses manajemen
Reputasi tingkat kepercayaan negatif dari masyarakat risiko untuk risiko ini dilakukan terhadap pengaruh
Reputation pemangku kepentingan dan konsumen terhadap reputasi pengurus, pemilik, dan grup; pelanggaran etika
Risk yang bersumber dari bisnis Perseroan. bisnis; kompleksitas produk dan kerja sama bisnis;
persepsi negatif terhadap Eliciting negative frekuensi, materialitas, dan eksposur pemberitaan negatif,
Perseroan. perceptions from both serta frekuensi dan materialitas keluhan debitur atau
The risk arising from the the public and consumers konsumen.
decline in stakeholder regarding the Company’s To mitigate reputation risk, the risk management process
trust levels stemming from business. evaluates factors such as the influence of management,
negative perceptions of owners, and the group’s reputation; adherence to
the Company poses a risk. business ethics; product complexity and business
partnerships; the frequency, severity, and exposure to
negative publicity; and the volume and significance of
debtor or consumer complaints.
Risiko Risiko akibat Pengaruh terhadap Untuk menghadapi risiko transaksi intra-group, proses
Transaksi ketergantungan suatu pemenuhan kewajiban manajemen risiko untuk risiko ini dilakukan dengan
Intragrup entitas baik secara perjanjian tertulis memperkuat koordinasi antar intra-group serta
Intragroup langsung maupun tidak maupun perjanjian mempertimbangkan beberapa aspek seperti kondisi
Transaction langsung terhadap tidak tertulis baik yang keuangan dan sumber daya manusia, sehingga dampak
Risk entitas lainnya dalam satu diikuti perpindahan dana negatif ataupun ketergantungan yang disebabkan oleh
Konglomerasi Keuangan. dan/atau tidak diikuti transaksi ini dapat diminimalisir.
The risk arising from an perpindahan dana. To mitigate intra-group transaction risk, the risk
entity’s dependency, The impact on fulfilling management process focuses on strengthening
whether direct or indirect, obligations under both intra-group coordination while considering key factors
on other entities within a written and unwritten such as financial conditions and human capital. This
Financial Conglomeration. agreements, whether approach helps minimize potential negative impacts and
accompanied by fund dependencies arising from such transactions.
transfers or not
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Tata Kelola Perusahaan
Corporate Governance
Penilaian Penerapan Manajemen Risiko Risk Management Implementation Assessment
Perseroan melakukan penilaian terhadap sistem manajemen The Company performs an assessment of the risk
risiko untuk memastikan bahwa penerapannya efektif dan management system to ensure that its implementation is
mendukung pencapaian tujuan organisasi. Pengukuran effective and supports the achievement of organizational
risiko dimaksudkan agar Perseroan mampu mengkalkulasi goals. Risk measurement is intended to enable the
eksposur risiko yang melekat pada kegiatan usaha Company to calculate the exposure to risks inherent in
Perseroan sehingga dapat diperkirakan dampaknya. business activities, allowing the potential impacts to be
Mekanisme penilaian profil risiko dilakukan sesuai dengan estimated. The risk profile assessment mechanism is
ketentuan SEOJK No. 11/SEOJK.05/2020 tentang Penilaian conducted in accordance with the provisions of SEOJK
Tingkat Kesehatan Perusahaan Pembiayaan dan Perusahaan No. 11/SEOJK.05/2020 concerning the Assessment of
Pembiayaan Syariah. the Soundness Level of Financing Companies and Sharia
Financing Companies.
Agar hasil penilaian manajemen risiko senantiasa terjaga To maintain the risk management assessment results at a low
di tingkat yang rendah, Perseroan terus berupaya level, the Company continues to enhance the effectiveness
meningkatkan efektivitas manajemen risiko dengan of risk management by evaluating its implementation and
mengevaluasi pelaksanaannya dan melakukan sejumlah conducting several initiatives as follows:
inisiatif sebagai berikut:
1. Memperbaharui Kebijakan Dasar Penerapan Manajemen 1. Updating the Basic Risk Management Policy and Risk
Risiko dan Standard Operating Procedure (SOP) Management SOP as guidance for every Risk Control
Penerapan Manajemen Risiko sebagai panduan setiap Owner as per the requirements in conducting risk
Risk Control Owner sesuai dengan kebutuhan dalam management processes.
melakukan proses manajemen risiko.
2. Mengembangkan infrastruktur teknologi informasi 2. Developing a sustainable information technology
yang berkesinambungan yang mampu mendukung dan infrastructure capable of supporting and accommodating
mengakomodasi aktivitas pengelolan manajemen risiko. risk management activities.
3. Pemberdayaan dan pembangunan sumber daya manusia 3. Empowering and developing human capital at various
di berbagai lapisan dalam aspek kompetensi untuk dapat levels in terms of competence to identify, analyze, and
mengidentifikasi, menganalisis, dan menyusun langkah- devise risk mitigation and prevention measures.
langkah penanggulangan dan pencegahan risiko.
4. Melakukan antisipasi dan respon terhadap kondisi yang 4. Anticipating and responding to unforeseen conditions
tidak terduga (disaster) atau kondisi usaha yang tidak (disasters) or non-conducive business conditions by
kondusif, dengan menerapkan Business Continuity Plan implementing business continuity plans (BCP) and
(BCP) dan bersinergi dengan Perseroan Perseroan di synergizing with other companies within the Astra Group.
Astra Group.
5. Pengeloaan Perseroan tunduk dan mengikuti aturan- 5. Ensuring that the Company’s management complies
aturan yang telah ditetapkan oleh instansi berwenang. with established by the relevant authorities.
Evaluasi Efektivitas Implementasi Manajemen Evaluation of Risk Management Implementation
Risiko Tahun 2024 Effectiveness in 2024
Perseroan melakukan penilaian berkala terhadap profil The Company conducts periodic assessments of the inherent
risiko inheren yang bersifat material dan melekat dengan risk profile that is material and closely tied to the daily
kegiatan usaha sehari-hari sebagai perusahaan pembiayaan. business activities as a financing company. A comprehensive
Evaluasi menyeluruh pada seluruh tahapan pengelolaan evaluation of all stages of the Company's risk management,
risiko Perseroan mulai dari proses identifikasi, penilaian, from identification, assessment, monitoring, to control
pemantauan hingga aktivitas pengendalian sudah dilakukan activities, has been completed by the relevant work units
oleh unit-unit kerja terkait, di bawah pengawasan aktif under the active supervision of the Board of Commissioners
Dewan Komisaris dan Direksi. and the Board of Directors.
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Sepanjang tahun 2024, Direksi dengan dibantu oleh Komite Throughout 2024, the Board of Directors, assisted by the
Manajemen Risiko telah secara intens memberikan arahan, Risk Management Committee, has intensely provided
melakukan pengawasan, melakukan mitigasi secara aktif direction, conducted supervision, conducted active and
dan efektif serta secara berkesinambungan meningkatkan effective mitigation, and continuously improved and
dan mengembangkan budaya manajemen risiko. Demikian developed the risk management culture. Similarly, the
halnya, Dewan Komisaris dengan dibantu oleh Komite Board of Commissioners, supported by the Risk Monitoring
Pemantau Risiko juga sudah melakukan fungsi pengawasan Committee, has done the function of supervision and
dan evaluasi terhadap kebijakan dan implementasi evaluation of risk management policies and implementation
manajemen risiko yang dilaksanakan oleh Direksi. by the Board of Directors.
Dengan terciptanya mekanisme check and balance antar- With the establishment of an inter-governing body check and
Organ tersebut maka Perseroan dapat mengevaluasi balance mechanism, the Company is able to evaluate the
kecukupan infrastruktur manajemen risiko dan sumber daya adequacy of risk management infrastructure and available
yang tersedia sehingga mampu mengidentifikasi risiko-risiko resources, enabling it to identify existing risks or new risks
eksisting ataupun risiko baru yang memiliki potensi untuk with the potential to develop, so they can be managed
berkembang sehingga dapat segera dikelola secara cermat promptly and prudently. Furthermore, the implementation
dan hati-hati. Selain itu, implementasi tata kelola manajemen of governance based on international standards—"Three
risiko yang mengadopsi standar internasional - “Three Lines Lines Model (3LD)"—has also allowed the Company to
Model (3LD)” juga memungkinkan Perseroan untuk dapat identify key risks earlier in each work unit so that overall risk
mengidentifikasi risiko kunci lebih dini di masing-masing unit control and management activities are always implemented
kerja sehingga aktivitas pengendalian dan pengelolaan risiko more optimally.
secara keseluruhan senantiasa berlangsung lebih optimal.
Berdasarkan hasil penilaian risiko usaha yang telah dilakukan Based on the results of the risk assessment conducted in
di tahun 2024 dapat disimpulkan bahwa implementasi 2024, it can be concluded that the implementation of the
sistem manajemen risiko Perseroan sudah berjalan efektif Company's risk management system has been running
sehingga dapat mendukung pengembangan bisnis lebih effectively which can support further business development.
lanjut. Pencapaian ini tentu tidak lepas dari penerapan 3LD This achievement is undoubtedly inseparable to the well-
yang matang sehingga Perseroan mampu meningkatkan implemented of 3LD, thus the Company is able to increase
daya tahan organisasi dalam menghadapi risiko-risiko yang the resilience of the organization in facing the risks faced
dihadapi dalam mencapai tujuan dan sasaran perusahaan. in achieving the company's goals and objectives.
Pernyataan Direksi dan/atau Dewan Komisaris Statement of the Board of Directors and/or Board
atau Komite Audit atas Kecukupan Manajemen of Commissioners or Audit Committee on the
Risiko Adequacy of Risk Management
Dewan Komisaris dan Direksi berpandangan bahwa The Board of Commissioners and the Board of Directors
Perseroan telah menerapkan sistem manajemen risiko believe that the Company has implemented an adequate
yang memadai sebagaimana dapat dilihat dari kecukupan risk management system, as evidenced by the adequacy of
perangkat kebijakan internal yang lengkap terkait dengan comprehensive internal policies related to risk management.
manajemen risiko serta tidak ditemukan adanya deviasi atau No significant deviations or findings were identified in the
temuan yang signifikan dalam implementasi manajemen implementation of risk management, both at the head
risiko, baik di kantor pusat maupun di kantor-kantor cabang. office and branch offices. As a results of the effective
Berkat implementasi sistem manajemen risiko yang efektif, implementation of the risk management system, the Board
Dewan Komisaris dan Direksi menilai Perseroan telah berhasil of Commissioners and the Board of Directors assess that the
mengelola dengan baik seluruh risiko utama yang melekat Company has successfully managed all main risks inherent
pada aktivitas bisnis sehingga Perseroan tetap mampu in business activities, so that the Company manages to
bertahan di pasar dan tumbuh secara signifikan. survive in the market and grow significantly.
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Tata Kelola Perusahaan
Corporate Governance
Fungsi Kepatuhan
Compliance Function
Perseroan melihat adanya tantangan dan eksposur The Company recognizes the growing and diverse
risiko kepatuhan yang semakin besar dan beragam bagi challenges and exposure to compliance risks faced by
perusahaan pembiayaan, sehingga Perseroan berkomitmen financing companies; therefore, the Company is committed
untuk senantiasa melaksanakan kepatuhan sesuai dengan to always implementing compliance in accordance with the
ketentuan Peraturan Perundang-undangan yang berlaku. provisions of the prevailing laws and regulations. To support
Dalam rangka mendukung pelaksanaan kepatuhan maka the implementation of compliance, a compliance function is
dibentuk fungsi kepatuhan yang diwujudkan melalui established which is realized through the implementation,
penerapan, pengelolaan, dan peningkatan sistem management, and improvement of the compliance
manajemen kepatuhan. Perseroan menjadikan fungsi management system. The Company sets the compliance
kepatuhan sebagai guardian dalam mengelola kepatuhan function as the guardian in managing compliance in the
pada ekosistem organisasi, sehingga melahirkan Budaya organizational ecosystem, thus fostering a Compliance
Kepatuhan (Compliance Culture) dalam bentuk values, Culture encompassing values, behaviors, and actions carried
perilaku, dan tindakan yang dijalankan oleh seluruh lini out by all levels of the Company, based on the principles
Perseroan dengan berlandaskan pada prinsip-prinsip GCG of Good Corporate Governance (GCG) and in accordance
serta berpedoman pada Peraturan Perundang-Undangan with prevailing laws and regulations.
yang berlaku.
Keberadaan Fungsi Kepatuhan di Perseroan juga sekaligus The existence of the Compliance Function also reflects
menjadi cerminan kepatuhan Perseroan sebagai perusahaan the Company's compliance as a financing company with
pembiayaan terhadap ketentuan POJK No. 30/POJK.05/2014 the provisions of POJK No. 30/POJK.05/2014 concerning
tentang Tata Kelola Perusahaan yang Baik Bagi Perusahaan Good Corporate Governance for Financing Companies, as
Pembiayaan sebagaimana diubah dengan POJK No. 29/ amended by POJK No. 29/POJK.05/2020.
POJK.05/2020.
Dengan adanya Fungsi Kepatuhan, Perseroan memiliki With the Compliance Function in place, the Company
kontrol yang kuat untuk memastikan implementasi seluruh has a strong control to ensure that the implementation
kebijakan, ketentuan, sistem, dan prosedur atas seluruh of all policies, regulations, systems, and procedures for
kegiatan usaha telah berjalan sesuai dengan ketentuan business activities is in accordance with the provisions
Peraturan Perundang-undangan yang relevan. Selain itu, unit of relevant laws and regulations. Additionally, this work
kerja ini melaksanakan serangkaian tindakan pencegahan unit has done a series of preventive actions and provided
dan juga memberikan rekomendasi perbaikan proses atas recommendations for process improvements in response
ketidaksesuaian pelaksanaan kepatuhan. to any non-compliance issues.
Penerapan Tata Kelola Kelola Terintegrasi berdasarkan The implementation of Integrated Governance based on
POJK Nomor 18/POJK.03/2014 tentang Penerapan Tata POJK No. 18/POJK.03/2014 concerning the Implementation
Kelola Terintegrasi Bagi Konglomerasi Keuangan. Perseroan of Integrated Governance for Financial Conglomerates. The
berperan sebagai anggota Satuan Kerja Kepatuhan Company acts as a member of the Integrated Compliance
Terintegrasi bagi Konglomerasi Keuangan Astra, yang Working Unit for the Astra Financial Conglomerate, which
merupakan gabungan dari beberapa Perseroan di Sektor is a group of several companies in the Astra Group's
Jasa Keuangan dalam Astra Group yang dalam hal ini financial services sector, and thus the Company contributes
Perseroan ikut berperan dalam implementasi Kepatuhan to the implementation of Compliance within the Astra
di Konglomerasi Keuangan Astra. Financial Conglomerate.
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Direktur yang Membawahi Fungsi Kepatuhan Director in Charge of Compliance Function
Perseroan menunjuk Bapak Siswadi yang berkedudukan The Company appointed Mr. Siswadi, serving as the President
sebagai Presiden Direktur yang secara khusus bertanggung Director, to specifically responsible for the implementation of
jawab atas pelaksanaan Fungsi Kepatuhan. Penunjukan the Compliance Function. The appointment of the Director
Direktur yang secara langsung mengawasi pelaksanaan directly supervising the Company's Compliance Function is
Fungsi Kepatuhan Perseroan dipastikan telah memenuhi ensured to have met the competencies and qualifications
kompetensi dan kualifikasi individual yang diperlukan untuk required for the position and has met the independence
mengisi jabatan tersebut serta sudah memenuhi kriteria criteria required by FSA. These criteria include the absence
independensi yang diwajibkan OJK, seperti tidak memiliki of financial, managerial, share ownership, and familial
hubungan keuangan, hubungan kepengurusan, hubungan relationships with the Head of the Compliance Unit, members
kepemilikan saham dan keluarga dengan Kepala Satuan of the Board of Commissioners, members of the Board
Kerja Kepatuhan/anggota Dewan Komisaris/anggota Direksi/ of Directors/Sharia Supervisory Board and among the
DPS dan antar-anggota Direksi serta dengan pemegang members of the Board of Directors, as well as with majority
saham utama dan pengendali. and controlling shareholders.
Struktur Organisasi Fungsi Kepatuhan Organizational Structure of Compliance Function
Dalam Struktur organisasi Perseroan, Fungsi Kepatuhan In the Company's organizational structure, the Compliance
dikelola oleh Compliance & Standardization Division Function is managed by the Compliance & Standardization
yang secara kepemimpinan berada langsung di bawah Division, which is directly under the President Director.
Presiden Direktur. Unit kerja ini bekerja secara independen This work unit works independently and is responsible for
dan bertugas menetapkan, menerapkan, memelihara, dan establishing, implementing, maintaining, and enhancing
meningkatkan sistem manajemen kepatuhan, termasuk the compliance management system, including ensuring
memastikan terlaksananya proses yang diperlukan dan the execution of required processes and interactions in
interaksi dalam aktivitas kepatuhan Perseroan, sesuai the Company's compliance activities, in accordance with
dengan regulasi dan manajemen kepatuhan. Selain itu regulations and compliance management standards.
Unit Kerja ini juga bertanggung jawab atas pelaksanaan Additionally, this Work Unit is also responsible for the
Penerapan Program Anti Pencucian Uang dan Pencegahan implementation of Anti-Money Laundering and Counter-
Pendanaan Terorisme (APU PPT) & Pencegahan Pendanaan Terrorism Financing (AML CFT) & Counter-Proliferation
Proliferasi Senjata Pemusnah Massal (PPPSPM). Financing of Weapons of Mass Destruction (CPF) Program.
Tugas dan Tanggung Jawab Fungsi Kepatuhan Duties and Responsibilities of the Compliance
Function
Fungsi Kepatuhan memiliki tugas dan tanggung jawab The Compliance Function has the following duties
sebagi berikut: and responsibilities:
1. Mewujudkan terlaksananya Budaya Kepatuhan pada 1. Establishing a culture of compliance across all
semua tingkatan organisasi dan kegiatan usaha; organizational levels and business activities;
2. Melakukan awareness terkait Kepatuhan pada semua 2. C o n d u c t i n g c o m p l i a n c e a w a r e n e s s a t a l l
tingkatan organisasi; organizational levels;
3. Mengelola fungsi kepatuhan Perseroan termasuk 3. Managing the compliance function of the Company,
melakukan identifikasi kewajiban kepatuhan; including identifying compliance obligations;
4. Menetapkan dan memantau dokumentasi pelaksanaan 4. Setting and monitoring compliance implementation
kepatuhan; documentation;
5. Menyelaraskan sistem manajemen kepatuhan dengan 5. Aligning compliance management systems with
sasaran kepatuhan; compliance objectives;
6. Menetapkan standard dan melakukan quality assurance 6. Establishing standards and conducting quality assurance
terhadap Regulasi Internal; on Internal Regulations;
7. Melakukan pengawasan atas kegiatan usaha Perseroan 7. Supervise the Company's business activities as well as
serta implementasi regulasi internal perusahaan agar the implementation of the Company's internal regulations
sesuai dengan ketentuan Peraturan Perundang- to comply with the provisions of the prevailing laws
Undangan yang berlaku; and regulations;
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8. Menganalisis dan mengevaluasi kinerja sistem 8. Analyzing and evaluating compliance management
manajemen kepatuhan untuk mengidentifikasi system performance to identify corrective action needs;
kebutuhan akan tindakan korektif;
9. Memberikan rekomendasi perbaikan proses salah 9. Providing recommendations for process improvements,
satunya sebagai bentuk langkah pencegahan atas including preventive measures to address
ketidaksesuaian antara proses/implementasi dengan discrepancies between processes/implementation and
ketentuan yang berlaku; applicable regulations;
10. Memonitoring komitmen Perseroan dalam mematuhi 10. Monitoring the Company’s commitment to complying
ketentuan yang disusun oleh otoritas yang berwenang; with regulations set by relevant authorities;
dan
11. Memantau dan mengukur kinerja kepatuhan yang 11. Monitoring and measuring compliance performance
dilakukan oleh seluruh lini Perusahaan; across all Company lines;
12. Mendokumentasikan risiko kepatuhan yang terjadi 12. Documenting compliance risks occurring within
di Perusahaan; the Company;
13. Melaporkan progress dan issues terkait pelaksanaan 13. Reporting progress and compliance implementation
kepatuhan kepada jajaran Direksi. issues to the Board of Directors.
Fungsi Kepatuhan juga bertanggung jawab atas Penerapan The Compliance Function is also responsible for the
Program APU PPT & PPPSPM yang dalam implementasinya Implementation of AML CFT & CPF Program which in its
telah memenuhi persyaratan: implementation has met the following requirements:
1. Independensi organisasi; dan 1. Organizational independence; and
2. Menguasai substansi dari ketentuan peraturan 2. Mastering the substance of prevailing laws
perundang-undangan yang berlaku. and regulations.
Pelaporan yang Dilaksanakan Fungsi Kepatuhan Reporting Carried Out by Compliance Function
Sepanjang tahun buku 2024, Fungsi Kepatuhan Perseroan Throughout the 2024 fiscal year, the Company’s Compliance
telah melaksanakan Pelaporan kepada Stakeholder dengan Function has carried out Reporting to Stakeholders as
uraian sebagai berikut: described below:
1. Laporan Konglomerasi Keuangan Astra Tahun 2024; 1. Astra Financial Conglomeration Report for 2024;
2. Laporan Tingkat Kesehatan Keuangan Perusahaan 2. Financial Health Rating of the Company for 2024;
Pembiayaan Perseroan tahun 2024;
3. Laporan Tingkat Kesehatan Keuangan Perusahaan 3. Financial Health Rating of the Company's Sharia Business
Pembiayaan UUS Perseroan tahun 2024; Unit (UUS) Financing Company Report for 2024;
4. Laporan Kepada Governing Body & Top Management. 4. Reports to the Governing Body & Top Management.
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Program Anti Pencucian Uang dan Pencegahan
Pendanaan Terorisme (APU PPT) & Pencegahan
Pendanaan Proliferasi Senjata Pemusnah Massal
(PPPSPM)
Anti Money Laundering and Counter-Terrorism Financing Program (AML CTF) & Counter
Proliferation Financing of Weapons of Mass Destruction (CPF Program)
Perkembangan inovasi dan teknologi informasi yang cepat The rapid and dynamic development of innovation and
dan dinamis di sektor jasa keuangan mendorong Perseroan information technology in the financial services sector
untuk menjalankan bisnis dengan memperhatikan prinsip encourages the Company to perform its business with
kehatian-hatian dalam rangka memastikan kepatuhan prudence, ensuring compliance in activities such as
Perusahaan termasuk dalam menyalurkan pembiayaan extending financing to both new and existing debtors. This is
kepada calon debitur baru ataupun debitur eksisting guna done to prevent or mitigate the risks of Money Laundering,
mencegah terjadinya atau memitigasi risiko Pencucian Terrorism Financing, and the Proliferation of Weapons of
Uang, Pendanaan Terorisme, dan Proliferasi Senjata Mass Destruction. As part of the implementation of the
Pemusnah Massal. Sebagai bentuk implementasi atas prinsip international principles set by the FATF and to fulfill regulatory
internasional FATF dan pemenuhan kewajiban kepada obligations, the Company has established the Guidelines for
Regulator, Perseroan telah memiliki Pedoman Penerapan the Implementation of AML CFT & CPF Programs, which are
Program APU PPT & PPPSPM, yang disusun berlandaskan based on the Financial Services Authority Regulation (POJK)
pada regulasi POJK Nomor 8 Tahun 2023 tentang Penerapan No. 8 of 2023 concerning the Implementation of Anti-Money
Program Anti Pencucian Uang, Pencegahan Pendanaan Laundering, Counter-Terrorism Financing, and Counter-
Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata Proliferation Financing of Weapons of Mass Destruction
Pemusnah Massal di Sektor Jasa Keuangan. Programs in the Financial Services Sector.
Penerapan Program APU PPT & PPPSPM tersebut The application of the AML CFT & CPF Program is done
dilaksanakan melalui implementasi 5 (Lima) Pilar APU PPT through the implementation of the Five Pillars of AML CFT
dan PPPSPM yaitu: and CPF, namely:
1. Pengawasan Aktif Direksi dan Dewan Komisaris 1. Active Supervision by the Board of Directors and Board
of Commissioners
Direksi dan Dewan komisaris berperan aktif untuk The Board of Directors and Board of Commissioners play
memastikan Program APU PPT & PPPSPM di Perseroan an active role in ensuring the AML CFT & CPF Program at
telah berjalan sesuai ketentuan peraturan perundang- PT Federal International Finance complies with applicable
undangan yang berlaku. Selain itu, Direksi dan Dewan regulations. In addition, the Board of Directors and Board
Komisaris juga berperan aktif dalam melakukan of Commissioners actively participate in endorsing
pengesahan Pedoman APU PPT & PPPSPM, menetapkan the AML CFT & CPF Program Guidelines, appointing
penanggungjawab APU PPT & PPPSPM serta melakukan responsible persons, and overseeing implementation
pengawasan pelaksanaan melalui review yang dilakukan through periodic reviews conducted via Board of
secara berkala di dalam rapat Direksi dan Dewan Komisaris. Directors and Board of Commissioners meetings.
2. Kebijakan dan Prosedur 2. Policies and Procedures
Dalam menjalankan Program APU PPT & PPPSPM, In implementing the AML CFT & CPF Program,
Perseroan menyadari perlu adanya suatu aturan internal the Company recognizes the necessity of internal
yang digunakan sebagai panduan implementasi oleh regulations to serve as a guideline for related parties.
pihak-pihak terkait. Aturan tersebut dituangkan dalam These regulations are outlined in the Guidelines for
bentuk Pedoman Penerapan Program APU PPT & the Implementation of the AML CFT & CPF Program,
PPPSPM yang dijabarkan detailnya melalui Regulasi which are further detailed in internal regulations,
Internal lainnya yakni melalui Surat Keputusan, Standard including Decrees, Standard Operating Procedures,
Operating Procedure, dan Working Instruction Penerapan and Working Instructions.
Program APU PPT & PPPSPM.
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Corporate Governance
3. Sistem Informasi Manajemen 3. Management Information System
Dalam mendukung efektivitas pemantauan profil calon To support the effective monitoring of debtor profiles
debitur serta karakteristik transaksi debitur, Perseroan and transaction characteristics, the Company implements
menerapkan penggunaan sistem informasi manajemen the use of management information system to facilitate
untuk membantu proses identifikasi, analisa, dan the process of identifying, analyzing, and monitoring
pemantauan transaksi. Perseroan juga memiliki sistem transactions. The Company also employs a system for
cleansing Daftar Terduga Teroris dan Organisasi Teroris cleansing the List of Suspected Terrorists and Terrorist
(DTTOT), Daftar Pendanaan Proliferasi Senjata Pemusnah Organizations (DTTOT), the List of Financing for the
Massal (DPPSPM) dan Judi Online. Proliferation of Weapons of Mass Destruction (DPPSPM),
and Online Gambling activities.
4. Pengendalian Internal 4. Internal Controls
Aktivitas pengendalian internal pada lingkup Perseroan The internal control activities within the Company aim to
bertujuan untuk memastikan pelaksanaan Pedoman ensure the effective implementation of the Guidelines
Penerapan Program APU PPT & PPPSPM telah berjalan for the Implementation of the AML CFT & CPF Program
dengan efektif melalui Regulasi Internal APU PPT & through internal regulations and internal audits related
PPPSPM dan pelaksanaan Audit Internal APU PPT & to the AML CFT & CPF Program.
PPPSPM.
5. Sumber Daya Manusia dan Pelatihan 5. Human Capital and Training
Perseroan menyadari bahwa efektivitas penerapan The Company understands that the effectiveness of the
program APU PPT & PPPSPM sangat bergantung pada AML CFT & CPF Program depends significantly on the
integritas dan kompetensi pejabat/karyawan. Oleh integrity and competence of its officials/ employees.
sebab itu, Perseroan menerapkan prosedur seleksi yang Therefore, the Company enforces a rigorous selection
ketat dalam menjaring karyawan baru dan melakukan procedure for recruiting new employees and conducts
aktivitas pemantauan terhadap seluruh karyawan. monitoring activities for all personnel. In addition to
Selain mengadakan proses rekrutmen, Perseroan juga recruitment processes, the Company organizes AML CFT
menyelenggarakan program pelatihan APU PPT & & CPF training programs for employees at least once
PPPSPM bagi karyawan setidaknya 1 (satu) kali dalam a year, which is evaluated through exams in a series of
1 (satu) tahun yang dievaluasi melalui ujian dalam development programs.
rangkaian development program.
Selain kelima pilar di atas, Perseroan juga telah melakukan In addition to the five pillars mentioned above, the Company
sejumlah inisiatif berikut untuk memperkuat pelaksanaan has performed the following initiatives to further strengthen
APU PPT & PPPSPM secara optimal: the optimal implementation of the AML CFT & CPF Program:
1. Customer Due Diligence (CDD) & Enhanced Due 1. Customer Due Diligence (CDD) & Enhanced Due
Diligence (EDD) Diligence (EDD)
Uji Tuntas dengan aktivitas melakukan Identifikasi dan Conducting due diligence activities by identifying and
verifikasi atas Calon Customer & melakukan Analisa verifying potential customers, and conducting further
Lanjutan terhadap High Risk Customer. analysis on High-Risk Customers.
2. Report Fulfillment 2. Report Fulfillment
Kewajiban pelaporan dilakukan terhadap Regulator, Reporting obligations are carried out to regulators,
Konglomerasi Keuangan Astra, serta internal Perseroan. Astra Financial Conglomeration, and internally within
the Company.
3. Pencegahan Pendanaan Terorisme & Proliferasi Senjata 3. Counter-Terrorism Financing & Proliferation of
Pemusnah Massal Weapons of Mass Destruction
Pelaksanaan screening DTTOT/DPPPSPM & Judi Online, Implementing screening activities for the List of
blacklist dan penolakan transaksi atas customer terkait. Suspected Terrorists and Terrorist Organizations
(DTTOT), the List of Proliferation Financing of Weapons
of Mass Destruction (DPPSPM), and online gambling
activities, along with rejecting transactions related to
such customers.
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Struktur Organisasi dan Penanggung Jawab Organizational Structure and Responsible Parties
Program APU, PPT & PPPSPM for AML CFT & CPF Program
Pelaksanaan Program APU PPT & PPPSPM di Perseroan The implementation of the AML CFT & CPF Program in the
tidak hanya berlaku untuk kantor pusat saja melainkan juga Company is not limited to the head office but is also applied
diterapkan di kantor-kantor cabang. Penerapan program APU across branch offices. The implementation of AML/CFT &
PPT & PPPSPM di Head Office dilaksanakan oleh Division CPF program at the Head Office is done by the Division
Head selaku Penanggungjawab Head Office dan di Cabang Head as the Responsible Party for the Head Office and at
dilaksanakan oleh Branch Head selaku Penanggungjawab the Branch Offices, the program is completed by the Branch
Cabang. Fungsi APU PPT & PPPSPM dilaksanakan di bawah Head as the Responsible Party for the branch offices.
Presiden Direktur yang membawahkan Fungsi Kepatuhan. The AML CFT & CPF functions is implemented under the
President Director that oversees the Compliance Function.
Pelaksanaan Program APU, PPT, & PPPSPM Implementation of the AML CFT & CPF Program
Tahun 2024 in 2024
Penerapan Program APU PPT & PPPSPM tersebut AML/CFT & CPF Program is completed through the
dilaksanakan melalui implementasi 5 (lima) Pilar APU PPT implementation of 5 (five) Pillars of AML/CFT and CPF,
dan PPPSPM yaitu: namely:
1. Pengawasan Aktif Direksi dan Dewan Komisaris 1. Active Supervision by the Board of Directors and Board
of Commissioners
Perseroan telah melaksanakan mekanisme pengawasan The Company has implemented supervisory mechanisms
penerapan program APU PPT & PPPSPM melalui for the AML CFT & CPF Program through the ratification of
pengesahan Pedoman APU PPT & PPPSPM Tahun 2024 the 2024 AML CFT & CPF Guidelines and has discussed
dan telah dilakukan pembahasan APU PPT & PPPSPM the AML CFT & CPF Program at 2 (two) meetings of the
pada rapat Direksi dan Dewan Komisaris sebanyak 2 Board of Directors and the Board of Commissioners.
(dua) kali.
2. Kebijakan dan Prosedur 2. Policies and Procedures
Perseroan telah membuat suatu regulasi internal yang The Company has established internal regulations
mengatur keseluruhan pelaksanaan APU PPT & PPPSPM that regulates the overall implementation of the AML
berupa Pedoman Penerapan Program APU PPT & CFT & CPF Program, including the Guidelines for the
PPPSPM, serta Regulasi Internal turunan di antaranya Implementation of the AML CFT & CPF Program, as
2 Surat Keputusan dan 3 Standard Operating Procedure well as derivative internal regulations comprising two
Penerapan Program APU PPT & PPPSPM. Decrees and three Standard Operating Procedures for
AML CFT & CPF Program Implementation.
3. Sistem Informasi Manajemen 3. Management Information System
Perseroan memiliki sistem internal APU PPT & PPPSPM The Company has an internal AML CFT & CPF system
untuk mengidentifikasi dan melakukan analisa High to identify and analyze high-risk customers. Monthly
Risk Customer APU PPT & PPPSPM. Di mana atas analyses were performed for customers flagged by
Customer yang terjaring di dalam sistem, Perusahaan the system based on AML CFT & CPF indications. The
telah dilakukan analisa bulanan terkait indikasi APU PPT Company’s system is also used for screening DTTOT,
& PPPSPM. Sistem Perseroan juga digunakan untuk DPPSPM, and Online Gambling, in which prospective
screening DTTOT, DPPSPM dan Judi Online, di mana are rejected at the beginning, and employees will not
terhadap calon customer dilakukan Reject (penolakan) continue the recruitment process if there is an indication
di awal, serta terhadap karyawan tidak akan dilanjutkan of a match for DTTOT, DPPSPM, and Online Gambling.
proses rekrutmen jika terindikasi match atas DTTOT,
DPPSPM, dan Judi Online.
4. Pengendalian Internal 4. Internal Control
Mekanisme pengawasan dan control pelaksanaan APU The supervision and control mechanisms for the AML
PPT & PPPSPM di Perseroan juga dilakukan melalui CFT & CPF Program were completed through the
proses Audit Internal APU PPT & PPPSPM Perseroan. Company’s AML CFT & CPF internal audit processes.
Pada tahun ini telah dilaksanakan Audit Internal terhadap This year, the Company organized one internal audit of
pelaksanaan APU PPT & PPPSPM sebanyak 1 (satu) kali. the implementation of the AML CFT & CPF Program.
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Corporate Governance
5. Sumber Daya Manusia dan Pelatihan 5. Human Capital and Training
Untuk senantiasa meningkatkan knowledge dan To continuously enhance employees' knowledge and
kompetensi karyawan terhadap APU PPT & PPPSPM, competencies on AML CFT & CPF, the Company has
Perseroan telah melaksanakan pelatihan APU PPT & organized one training session for employees for all
PPPSPM (berupa Training) bagi karyawan sebanyak responsible parties of AML CFT & CPF Program at the
1 (satu) kali terhadap seluruh Penanggungjawab Head Office and branch offices, which is evaluated
APU PPT & PPPSPM Head Office & Cabang, yang through pre-tests and post-tests. The Company
dievaluasi melalui pre-test dan post-test. Perseroan also provides training related to AML CFT & CPF
juga memberikan pelatihan terkait APU PPT & PPPSPM through the Company's development program and
melalui rangkaian development program Perseroan dan E-Learning module.
modul E-Learning.
Selain kelima pilar di atas, untuk mendukung pelaksanaan In addition to the five pillars above, the following steps have
APU PPT & PPPSPM dilakukan juga hal-hal sebagai berikut: been implemented to support the AML CFT & CPF Program:
1. Customer Due Diligence (CDD) & Enhanced Due 1. Customer Due Diligence (CDD) & Enhanced Due
Diligence (EDD) Diligence (EDD)
Perusahaan telah melaksanakan CDD melalui identifikasi CDD was performed by identifying customer identities
identitas & dokumen calon customer pada setiap proses and documents during each order process. EDD was
order. Adapun proses EDD dilakukan secara rutin melalui routinely performed through the preparation of monthly
pembuatan laporan analisa bulanan terhadap customer analysis reports for customers flagged under the High-
yang terjaring Parameter High Risk APU PPT & PPPSPM. Risk Parameters of the AML CFT & CPF Program.
2. Report Fulfillment 2. Report Fulfillment
Kewajiban pelaporan terhadap Regulator, Konglomerasi The Company fulfilled reporting obligations to Regulators,
Keuangan Astra, serta internal Perseroan, di antaranya: Astra Financial Conglomeration, and internally within the
Company, including:
a. Penilaian Risiko APU PPT (APOLO); a. AML CFT Risk Assessment (APOLO);
b. Dokumen Penilaian Risiko (Individual Risk b. Individual Risk Assessment documents;
Assessment);
c. SIGAP; c. SIGAP;
d. Pengkinian Data Nasabah; d. Customer Data Updates;
e. Laporan Transaksi Keuangan Mencurigakan; e. Suspicious Financial Transaction Reports;
f. SIPESAT; f. SIPESAT;
g. SIPENDAR; g. SIPENDAR;
h. Financial Integrity Rating Report. h. Financial Integrity Rating Reports.
3. Pencegahan Pendanaan Terorisme & Proliferasi Senjata 3. Counter-Terrorism Financing & Proliferation of
Pemusnah Massal Weapons of Mass Destruction
Perusahaan telah melaksanakan inject data DTTOT, The Company injected DTTOT, DPPSPM, and online
DPPSPM, dan Judi Online ke dalam sistem internal untuk gambling data into its internal system for screening
dilakukan screening & blacklist terhadap calon customer and blacklisting prospective customers and employees
dan calon karyawan yang match dengan data tersebut. matching these datasets.
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Perkara Hukum
Legal Cases
Perkara Penting yang Dihadapi Perseroan Tahun Significant Legal Cases Faced by the Company in
2024 2024
Pada tahun 2024, tidak terdapat kasus hukum perdata In 2024, there were no civil or criminal legal cases that had
maupun pidana yang berdampak material terhadap Perseroan. a material impact on the Company.
Perkara Hukum yang Dihadapi oleh Anggota Dewan Legal Cases Involving Members of the Board of
Komisaris dan Direksi Perseroan Commissioners and Directors
Sepanjang tahun 2024, Seluruh anggota Dewan Komisaris Throughout 2024, all members of the Board of
dan Direksi tidak terlibat dalam kasus hukum apapun, baik Commissioners and Directors were not involved in any
yang bersifat perdata maupun pidana, yang memiliki dampak legal cases, whether civil or criminal, that had a material
material bagi Perseroan. impact on the Company.
Dampak Permasalahan Hukum terhadap Perseroan Impact of Legal Issues on the Company
Segala bentuk permasalahan hukum yang dihadapi All legal issues faced by the Company in 2024 did not have a
Perseroan di tahun 2024 tidak berdampak signifikan significant impact on its status, position, or business continuity.
terhadap status, kedudukan, maupun kelangsungan
usaha Perseroan.
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Corporate Governance
Sanksi Administratif
Administrative Sanctions
Pada tahun 2024, tidak terdapat sanksi administratif yang In 2024, there were no material administrative sanctions
berdampak material dari pihak regulator terhadap Perseroan. imposed by regulators on the Company.
Kerangka Governansi, Pengelolaan dan
Pengendalian Aspek Perpajakan
Governance Framework, Management and Control of Taxation Aspects
Dalam menjalankan bisnis pembiayaan, Perseroan selalu In conducting financing business, the Company consistently
patuh pada regulasi yang berlaku termasuk memastikan complies with applicable regulations including ensuring the
pemenuhan aspek perpajakan sudah sesuai dengan fulfillment of taxation aspects in accordance with applicable
peraturan perpajakan yang berlaku di Indonesia. Kepatuhan tax regulations in Indonesia. The Company's compliance with
Perseroan terhadap perpajakan merupakan salah satu taxation is one of its contributions in developing the country.
bentuk kontribusi Perseroan dalam membangun negara. As of December 31, 2024, the Company has not received
Hingga 31 Desember 2024, Perseroan tidak mendapat any reprimands or notices regarding non-compliance in
teguran yang bersifat ketidakpatuhan dalam pemenuhan fulfilling tax obligations.
kewajiban perpajakan.
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Akses Informasi dan Data Perseroan
Access to Company Information and Data
Perseroan menjalankan keterbukaan informasi sebagai The Company upholds information transparency as part
bagian dari penerapan GCG agar seluruh pemegang saham of its Good Corporate Governance (GCG) implementation,
dan pemangku kepentingan lainnya mendapatkan akses ensuring that all shareholders and other stakeholders have
data dan informasi yang valid dan akurat mengenai kinerja access to valid and accurate data regarding the Company’s
Perseroan ataupun informasi umum lainnya melalui berbagai performance and general information through various media
media atau saluran komunikasi eksternal yang tersedia. or external communication channels. Timely dissemination
Penyampaian informasi secara tepat waktu juga merupakan of information is also a key effort in establishing effective
bagian dari upaya menciptakan komunikasi yang efektif and equitable communication between the Company and
dan merata antara Perseroan dengan seluruh pemangku all stakeholders.
kepentingan.
Berikut ini adalah sejumlah kanal komunikasi eksternal Below are the external communication channels managed
yang dikelola dan dimanfatkaan Perseroan untuk and utilized by the Company to disseminate information
menyebarluaskan informasi kepada publik: to the public:
Situs Web Website
Perseroan memanfaatkan situs web resmi (www.fifgroup. The Company utilizes its official website (www.fifgroup.
co.id) untuk menyebarluaskan informasi secara tepat waktu, co.id) to disseminate information in a timely, relevant,
relevan, memadai, jelas, akurat, dan mudah diakses oleh para adequate, clear, accurate, and easily accessible manner for
pemangku kepentingan. Seluruh informasi yang disajikan stakeholders. All information presented on the Company's
pada laman web Perseroan ditinjau secara berkala dan website is reviewed periodically and is available in two
disajikan dalam 2 (dua) bahasa, yakni Bahasa Indonesia dan languages, Indonesian and English. The website is
Bahasa Inggris. Pengelolaan situs web Perseroan dilakukan professionally managed in compliance with POJK No. 8/
secara profesional dengan mengacu pada ketentuan POJK POJK.04/2015 concerning Websites of Issuers and/or Public
No. 8/POJK.04/2015 tentang Situs Web Emiten dan/atau Companies. Additionally, its management aligns with the
Perusahaan Publik, serta juga memperhatikan kebijakan Company's communication policies, particularly regarding
komunikasi perusahaan terutama terkait pengungkapan the disclosure of confidential information.
informasi yang bersifat rahasia.
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Tata Kelola Perusahaan
Corporate Governance
Bursa Efek Indonesia Indonesia Stock Exchange
Sebagai Emiten yang menerbitkan obligasi di Bursa As an Issuer that issues bonds on the Indonesia Stock
Efek Indonesia (BEI), Perseroan berkewajiban untuk Exchange (IDX), the Company is required to submit periodic
menyampaikan laporan berkala sebagai bagian dari praktik reports as part of its information disclosure practices, in
keterbukaan informasi, sesuai dengan peraturan yang accordance with capital market regulations set by FSA and
berlaku di bidang pasar modal kepada OJK dan BEI. Para IDX. Stakeholders can easily access detailed information
pemangku kepentingan dapat dengan mudah mendapatkan regarding management changes, bond repayment capacity,
informasi lebih rinci terkait perubahan pengurus dan and other material information related to the Company by
kemampuan pembayaran obligasi ataupun informasi material visiting the IDX website at www.idx.co.id and entering the
lainnya terkait Perseroan dengan mengakses situs web issuer code: "FIFA".
BEI: www.idx.co.id dan memasukkan kode emiten: “FIFA”.
Kantor Pusat Head Office
Bagi para pemangku kepentingan termasuk debitur dan For stakeholders, including debtors and the public, who wish
masyarakat yang ingin mendapatkan atau membutuhkan to obtain more detailed information about the Company,
informasi lebih rinci terkait Perseroan dapat langsung they may directly visit the head office at:
mendatangi kantor pusat yang beralamat di:
Sekretaris Perusahaan
Corporate Secretary
MENARA FIF FIF TOWER
Jl. T.B. Simatupang, Kav. 15 Jl. T.B. Simatupang, Kav. 15
RT.4/RW.1, Lebak Bulus, Cilandak RT.4/RW.1, Lebak Bulus, Cilandak
Kota Jakarta Selatan, South Jakarta City,
DKI Jakarta 12440 Jakarta Special Region 12440, Indonesia
Media Sosial Social Media
Sejalan dengan perkembangan teknologi informasi di era In line with the development of information technology
digital sekarang ini, Perseroan menempatkan media sosial in the current digital era, the Company positions social
sebagai platform yang efektif untuk menyebarluaskan media as an effective platform for disseminating news and
berita atau informasi. Saat ini, Perseroan memiliki 4 (empat) information. At present, the Company manages four (4)
akun media sosial yang dikelola secara profesional dan social media accounts professionally, presenting them with
ditampilkan dengan visual menarik agar dapat meningkatkan visually appealing content to enhance audience engagement
audiens sehingga proses distribusi informasi dapat berjalan to ensure the information distribution process runs swiftly
dengan cepat tanpa dibatasi oleh wilayah geografis. without geographical limitations.
Facebook Instagram X
FIFCLUB FIFCLUB FIFCLUB
Youtube TikTok Telegram
FIFCLUB FIFCLUB FIFGROUPFIONA_BOT
Perseroan mengoptimalkan penggunaan keempat The Company optimizes the use of these four social media
akun media sosial di atas dengan sebaik-baiknya untuk accounts to establish effective communication with the
membangun jalinan komunikasi yang efektif dengan broader public and as part of its reputation management
masyarakat luas dan sebagai bagian dari upaya manajemen efforts. Moreover, the Company utilizes social media
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reputasi. Tidak hanya itu, Perseroan juga memanfaatkan as a platform to provide financial literacy education to
media sosial sebagai sarana untuk memberikan edukasi digital citizens.
literasi keuangan kepada warga digital.
Korespondensi dan Pelaporan Berkala Kepada Correspondence and Periodic Reporting to
Regulator Regulators
Sebagai Emiten, Perseroan memastikan kepatuhannya dalam As an Issuer, the Company ensures its compliance in fulfilling
menjalankan kewajiban pelaporan berkala kepada regulator periodic reporting obligations to regulators in a transparent
secara transparan dan tepat waktu. Sepanjang tahun 2024, and timely manner. Throughout 2024, the Company has
Perseroan telah menyampaikan sejumlah laporan berkala submitted several periodic and incidental reports to
dan insidental kepada pihak regulator antara lain: regulators, including:
1. Laporan Tahunan 1. Annual Report
2. Laporan Keberlanjutan 2. Sustainability Report
3. Laporan Keuangan Tahunan 3. Annual Financial Statements
4. Laporan Keuangan Tengah Tahunan 4. Semi-Annual Financial Statements
5. Laporan terkait RUPS 5. Reports related to the General Meeting of Shareholders
(GMS)
6. Laporan kepemilikan saham Direksi dan 6. Reports on Share Ownership by the Board of Directors
7. Laporan terkait Obligasi dan/atau Sukuk 7. Reports related to Bonds and/or Sukuk
8. Laporan Hasil Evaluasi Komite Audit terhadap 8. Audit Committee’s Evaluation Report on the
Pelaksanaan Pemberian Jasa Audit oleh Kantor Akuntan Implementation of Audit Services by Public Accounting
Publik Firms
9. Penunjukan Akuntan Publik 9. Appointment of Public Accountant
Siaran Pers Press Releases
Sebagai salah satu bentuk keterbukaan informasi kepada As a form of information transparency to the public, the
publik, Perseroan menerbitkan siaran pers sehubungan Company issues press releases related to the dissemination
dengan penyampaian informasi yang bersifat penting dan of important information that needs to be known by the
perlu diketahui oleh publik. Berikut ini adalah siaran pers public. The following are the press releases issued by the
yang diterbitkan oleh Perseroan sepanjang tahun 2024: Company throughout 2024:
Judul Press Release Tanggal Publikasi
No
Title of Press Release Date of Publication
1. FIFGROUP Berbagi Kasih Natal dan Tahun Baru Lewat Bantuan Sosial untuk 34 Panti Asuhan 7 Januari 2024
FIFGROUP Spreads Love on Christmas and New Year Through Social Assistance to 34 Orphanages January 7, 2024
2. FIFGROUP Bagikan Beasiswa kepada 428 Anak Karyawan Terpilih 13 Januari 2024
FIFGROUP Awards Scholarships to 428 Selected Employees' Children January 13, 2024
3. Gelar Penghargaan Program Sahabat FINATRA, UMKM : “Rangkaian Program Bantu Usaha Naik Kelas” 18 Januari 2024
Sahabat FINATRA Program Awards for MSMEs: "A Series of Programs to Help MSMEs Elevate Their January 18, 2024
Businesses"
4. Prof Rhenald Kasali: Militansi Pemimpin Jadi Modal Besar Hadapi Disrupsi Zaman 25 Januari 2024
Prof. Rhenald Kasali: Leadership Militancy is a Major Asset in Facing Disruption Era January 25, 2024
5. Ajukan Kredit Sepeda Motor Listrik Honda di FIFGROUP, Mudah, Cepat, dan Rate Kompetitif 1 Februari 2024
Apply for a Honda Electric Motorcycle Loan at FIFGROUP: Easy, Fast, and with Competitive Rates February 1, 2024
6. FIFGROUP Raih Juara Umum Corporate Affairs Awards 2023 16 Februari 2024
FIFGROUP Wins Overall Champion at Corporate Affairs Awards 2023 February 16, 2024
7. Lomba Desain Logo HUT 35th FIFGROUP 24 Februari 2024
Logo Design Contest for FIFGROUP’s 35th Anniversary February 24, 2024
8. Semarakkan HUT Astra ke-67, FIFGROUP Gelar Kegiatan Donor Darah 23 Februari 2024
Celebrating Astra’s 67th Anniversary, FIFGROUP Organizes Blood Donation Activity February 23, 2024
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Tata Kelola Perusahaan
Corporate Governance
Judul Press Release Tanggal Publikasi
No
Title of Press Release Date of Publication
9 Waktunya Upgrade Telepon Pintar Terbaru, SPEKTRA FAIR Tawarkan Program Menguntungkan 24 Februari 2024
Time to Upgrade Your Smartphone: SPEKTRA FAIR Offers Beneficial Programs February 24, 2024
10 Cetak Rekor Baru, Laba Bersih FIF Naik 29,4% Capai Rp4,1 Triliun 27 Februari 2024
Sets a New Record, FIF's Net Profit Rises 29.4% to Reach Rp4.1 Trillion February 27, 2024
11 FIFGROUP Borong Tujuh Kategori pada PR INDONESIA Awards 2024 7 Maret 2024
FIFGROUP Wins Seven Categories at PR INDONESIA Awards 2024 March 7, 2024
12 FIFGROUP Raih Penghargaan Mitra UMKM dalam UMKM Summit 2024 7 Maret 2024
FIFGROUP Receives MSMEs Partner Award at UMKM Summit 2024 March 7, 2024
13 Peringati Hari Raya Nyepi, FIFGROUP Salurkan Bantuan Sosial di Berbagai Daerah di Indonesia 17 Maret 2024
Celebrating Nyepi Day, FIFGROUP Provides Social Assistance Across Indonesia March 17, 2024
14 Berbagi Kebahagiaan di Bulan Suci Ramadhan, FIFGROUP Gelar Program CSR ”Tumbuh-kan Kebaikan” 23 Maret 2024
di Kota Balikpapan March 23, 2024
Sharing Joy During Ramadan, FIFGROUP Conducts CSR Program “Growing Kindness” in Balikpapan City
15 FIFGROUP Grebeg Pasar Hadir di Kota Surabaya Targetkan Penyaluran Pembiayaan Senilai Rp3,6 Miliar 30 Maret 2024
FIFGROUP Grebeg Pasar in Surabaya Targets Rp3.6 Billion in Financing Distribution March 30, 2024
16 Lanjutkan Inisiatif Keberlanjutan, FIFGROUP Pasang Solar Panel di Kota Serang 3 April 2024
Continuing Sustainability Initiatives, FIFGROUP Installs Solar Panels in Serang City April 3, 2024
17 Sambut Idul Fitri 2024, FIFGROUP Salurkan Bingkisan dan Bantuan Lebaran bagi Masyarakat Sekitar 5 April 2024
Welcoming Eid 2024, FIFGROUP Distributes Packages and Aid to Local Communities April 5, 2024
18 Lanjutkan Tradisi Kebaikan, FIFGROUP Peduli Berbagi Takjil Menjelang Akhir Bulan Suci Ramadan 7 April 2024
Continuing the Tradition of Kindness, FIFGROUP Shares Free Takjil (Iftar Snacks) During Ramadan April 7, 2024
19 FIFGROUP Hadir di Festival Foodies Palembang 2024 14 April 2024
FIFGROUP Participates in Palembang Foodies Festival 2024 April 14, 2024
20 Mulai dari Potongan Angsuran, Special Prize Sepeda Listrik, Persembahan FIFGROUP di Festival Foodies 15 April 2024
Palembang 2024 April 15, 2024
From Instalment Discounts to Electric Bike Special Prizes, FIFGROUP's Offerings at the Palembang
Foodies Festival 2024
21 Semarak Halal bi Halal FIFGROUP, 35 Panti Asuhan Berbagi Kebahagiaan Bersama Ustadz Maulana 18 April 2024
Joyful Halal bi Halal with FIFGROUP, 35 Orphanages Share Happiness with Ustadz Maulana April 18, 2024
22 Yuk! Ikuti Lomba Photo & Video Reels Road to 35th FIFGROUP Localicious (Jutaan Rupiah Menanti 19 April 2024
Bersama FIFGROUP - Road to 35th FIFGROUP Localicious! Mau tau Caranya?) April 19, 2024
Join the Road to 35th FIFGROUP Localicious Photo & Video Reels Contest (Millions of Rupiah in Prizes
Await with FIFGROUP – Road to 35th FIFGROUP Localicious! Curious to learn more?)
23 Hasil RUPS Tahunan Tahun Buku 2023 PT Federal International Finance 19 April 2024
Results of the Annual GMS for the 2023 Fiscal Year of PT Federal International Finance April 19, 2024
24 Kisah Kuyung, 10 Tahun Menjadi UMKM Binaan FIFGROUP 21 April 2024
The Story of Kuyung, 10 Years as an MSME Partner of FIFGROUP April 21, 2024
25 FIFGROUP Wujudkan Visi Keberlanjutan, Solar Panel ke-20 Terpasang di Cabang Cikarang 26 April 2024
FIFGROUP Achieves Sustainability Vision with the 20th Solar Panel Installation in Cikarang April 26, 2024
26 Sambut HUT ke-35, FIFGROUP Jadi Sponsor Utama Kuliner Lampung Festival 2024 26 April 2024
Welcoming 35th Anniversary, FIFGROUP Becomes the Main Sponsor Lampung Culinary Festival 2024 April 26, 2024
27 Berwisata Kuliner Sambil Penuhi Semua Kebutuhan, Untung di Booth FIFGROUP 28 April 2024
Enjoy Culinary Tourism While Fulfilling All Your Needs, Win Big at FIFGROUP's Booth April 28, 2024
28 Raih Beragam Keuntungan Sambil Berwisata Kuliner FIFGROUP di Festival Foodies Palembang 2024 20 April 24
Enjoy Various Benefits While Exploring Culinary Tourism at FIFGROUP's Booth at the Palembang Foodies April 20, 2024
Festival 2024
29 FIF Terima Fasilitas Pinjaman Berkelanjutan Senilai US$60 Juta 30 April 24
FIF Secures a Sustainable Loan Facility Worth US$60 Million April 30, 2024
30 PT FIF Raup Laba Bersih Rp1,1 Triliun, Naik 16,5% di Kuartal I 2024 2 Mei 2024
PT FIF Achieves Rp1.1 Trillion in Net Profit, Growing 16.5% in Q1 of 2024 May 2, 2024
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Judul Press Release Tanggal Publikasi
No
Title of Press Release Date of Publication
31 FIFGROUP Resmikan Kampung Berseri Astra (KBA) Binaan Pertama di Kota Depok 3 Mei 2024
FIFGROUP Inaugurates the First Assisted Kampung Berseri Astra (KBA) in Depok City May 3, 2024
32 Konsisten Mengimplementasikan Inisiatif Keberlanjutan, FIFGROUP Peroleh The Best CSR in Finance 7 Mei 2024
Sector 2024 May 7, 2024
Consistently Implementing Sustainability Initiatives, FIFGROUP Wins The Best CSR in the Finance Sector
2024
33 Anjungan Road to FIFGROUP 35th LOCALICIOUS Wisata Kuliner dan Penuh Untung di Mal Ciputra 10 Mei 2024
Cibubur May 10, 2024
Anjungan Road to FIFGROUP 35th LOCALICIOUS Culinary Tourism and Big Wins at Ciputra Mall Cibubur
34 Habiskan Libur Panjang Berkuliner di FIFGROUP LOCALICIOUS 2024 15 Mei 2024
Spend the Long Holiday Enjoying Culinary Delights at FIFGROUP LOCALICIOUS 2024 May 15, 2024
35 Pulau Pramuka Tanpa Sampah, FIFGROUP bersama Masyarakat Bersihkan Pantai 18 Mei 2024
Pramuka Island Free of Trash, FIFGROUP and the Community Clean the Beach May 18, 2024
36 AMITRA Langsa & Kuala Simpang Tumbuh, Bersamaan HUT Ke-35 Lakukan Kegiatan Berbagi 21 Mei 2024
AMITRA Langsa & Kuala Simpang Grow Together, Alongside the 35th Anniversary Celebration with May 21, 2024
Charity Activities
37 Tidak Hanya Kuliner Legendaris, Ada Lowongan Kerja Menanti di FIFGROUP 35th LOCALICIOUS 23 Mei 2024
Not Only Legendary Cuisine, But Job Vacancies Await at FIFGROUP 35th LOCALICIOUS May 23, 2024
38 FIFGROUP 35th LOCALICIOUS Dibuka, Warga Jakarta Bisa Kulineran, Nonton Konser, Hingga Cari Kerja 23 Mei 2024
FIFGROUP 35th LOCALICIOUS Opens, Jakarta Residents Can Enjoy Culinary Delights, Concerts, and Job May 23, 2024
Opportunities
39 Maliq Sukses Bikin Romantis di Localicious Parkir Timur Senayan, GBK 24 Mei 2024
Maliq Creates a Romantic Atmosphere at Localicious, East Parking Lot Senayan, GBK May 24, 2024
40 “Istimewa,” Festival Kuliner di FIFGROUP 35th LOCALICIOUS 24 Mei 2024
“Exceptional,” A Culinary Festival at FIFGROUP 35th LOCALICIOUS May 24, 2024
41 Malam Minggu, Kahitna Senandungkan Nostalgia di FIFGROUP 35th LOCALICIOUS 25 Mei 2024
Saturday Night, Kahitna Brings Nostalgia to FIFGROUP 35th LOCALICIOUS May 25, 2024
42 Merajut Kenangan, Euforia Kahitna Memukau Panggung FIFGROUP 35th LOCALICIOUS 26 Mei 2024
Weaving Memories, Kahitna’s Euphoria Stuns the Stage at FIFGROUP 35th LOCALICIOUS May 26, 2024
43 FIFGROUP 35 Tahun, Flash Promo Honda Beat, Diskon Lebih 80% 26 Mei 2024
FIFGROUP 35 Years, Flash Promo Honda Beat, Discounts Over 80% May 26, 2024
44 Aksi “Pecah” Kotak Band Tutup Gelaran FIFGROUP 35th LOCALICIOUS 27 Mei 2024
Kotak Band's “Spectacular” Action Closes FIFGROUP 35th LOCALICIOUS May 27, 2024
45 Tingkatkan Pemahaman Keselamatan Berkendara Lewat Cara Asyik 28 Mei 2024
Enhance Road Safety Awareness in a Fun Way May 28, 2024
46 Rangkaian HUT ke-35, FIFGROUP Salurkan Rp3,5 Miliar Dana Bergulir Bagi 800 UMKM 6 Juni 2024
As Part of Its 35th Anniversary, FIFGROUP Distributes Rp3.5 Billion in Revolving Funds to 800 MSMEs June 6, 2024
47 FIFGROUP di Semesta Berpesta Tasikmalaya, Nikmati Festival Musik Sembari Penuhi Segala Kebutuhan 8 Juni 2024
Pembiayaan June 8, 2024
FIFGROUP at Semesta Berpesta Tasikmalaya, Enjoy the Music Festival While Fulfilling All Your Financing
Needs
48 Berbagi Berkah Idul Adha: FIFGROUP Tebar 3 Sapi dan 453 Kambing ke Berbagai Penjuru Negeri 18 Juni 2024
Sharing the Blessings of Eid al-Adha: FIFGROUP Distributes 3 Cows and 453 Goats Across the Nation June 18, 2024
49 Ajak Jurnalis Seluruh Indonesia, FIFGROUP Kembali Gelar National Media Competition 2024 29 Juni 2024
Inviting Journalists Throughout Indonesia, FIFGROUP Hosts National Media Competition 2024 June 29, 2024
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Tata Kelola Perusahaan
Corporate Governance
Judul Press Release Tanggal Publikasi
No
Title of Press Release Date of Publication
50 FIFGROUP Gandeng YKPI Edukasi Deteksi Dini Kanker Payudara 10 Juli 2024
FIFGROUP Partners with YKPI to Provide Breast Cancer Early Detection Education July 10, 2024
51 Sajikan Hidangan Nusantara UMKM Binaan FIFGROUP 11 Juli 2024
Serving Local Culinary Delights by FIFGROUP-Assisted MSMEs July 10, 2024
52 Peringati Hari Raya Waisak 2568 BE, FIFGROUP Salurkan Bantuan Sosial di Berbagai Daerah di 13 Juli 2024
Indonesia July 13, 2024
Celebrating Vesak Day 2568 BE, FIFGROUP Distributes Social Assistance in Various Regions in
Indonesia
53 Acara FIFestival Street Food 2024: Transaksi UMKM FIFGROUP Meroket 58,42% 15 Juli 2024
FIFestival Street Food 2024: MSMEs Transactions Skyrocketed 58.42% July 15, 2024
54 FIFGROUP Resmikan Pemasangan Solar Panel ke-3 di 2024, Sebagai Misi Keberlanjutan Perusahaan 16 Juli 2024
FIFGROUP Installs Its 3rd Solar Panel of 2024, as the Company's Sustainability Mission July 16, 2024
55 Siap Sambut Pengunjung GIIAS 2024, Astra Financial Hadirkan Layanan Keuangan One Stop Solution 17 Juli 2024
Ready to Welcome Visitors at GIIAS 2024, Astra Financial Offers One-Stop Financial Solutions July 17, 2024
56 Tingkatkan Kesadaran Kanker, FIFGROUP Gelar Edukasi dan Deteksi Dini 12 Juli 2024
Raising Cancer Awareness, FIFGROUP Holds Education and Early Detection Program July 12, 2024
57 FIFGROUP Raih Juara Umum Gelaran Pekan Olahraga APPI 2024 20 Juli 2024
FIFGROUP Wins Overall Champion Title at APPI Sports Week 2024 July 20, 2024
58 Astra Financial Talk GIIAS 2024: Tingkatkan Inklusi Keuangan Lewat Aneka Produk Digital 23 Juli 2024
Astra Financial Talks at GIIAS 2024: Boosting Financial Inclusion Through Various Digital Products July 23, 2024
59 Memperingati Hari Anak Nasional ke-40: Astra Financial Berkolaborasi dengan IbuKardus untuk 23 Juli 2024
Kreativitas Anak July 23, 2024
Celebrating the 40th National Children’s Day: Astra Financial Collaborates with IbuKardus to Spark
Children’s Creativity
60 FIFGROUP Kembali Hadir Dukung Event F8 Makassar dengan Beragam Promo Menarik 24 Juli 2024
FIFGROUP Comes Back to Support F8 Makassar Event with a Range of Exciting Promos July 24, 2024
61 Astra Financial Talks GIIAS 2024: Miliki Motor Impian Tanpa Rasa Khawatir 24 Juli 2024
Astra Financial Talks at GIIAS 2024: Own Your Dream Motorcycle Worry-Free July 24, 2024
62 FIFGROUP Jelajah Kota 2024, Kembangkan Layar di Pantai Losari 24 Juli 2024
FIFGROUP’s 2024 City Tour, Unfurling Sails at Losari Beach July 24, 2024
63 Astra Financial Raih Respon Positif di GIIAS 2024, Capaian Transaksi Rp917,491 Miliar Selama 5 Hari 24 Juli 2024
Pertama July 24, 2024
Astra Financial Achieves Positive Response at GIIAS 2024, Rp917.491 Billion in Transactions During the
First Five Days
64 FIFGROUP Kembali Raih Penghargaan di HR Excellence 2024 25 Juli 2024
FIFGROUP Wins Another HR Excellence Award in 2024 July 25, 2024
65 Program I Care I Share Astra Financial di GIIAS 2024: Ajak Pengunjung Dukung Pendidikan Indonesia 26 Juli 2024
I Care I Share Program by Astra Financial at GIIAS 2024: Encouraging Visitors to Support Education in July 26, 2024
Indonesia
66 Implementasi Misi Keberlanjutan, FIFGROUP Pasang Solar Panel Ke-22 di Palu 26 Juli 2024
Implementation of Sustainability Mission: FIFGROUP Installs 22nd Solar Panel in Palu July 26, 2024
67 Lagi, FIFGROUP Menjadi The Excellent Performance Multifinance Company 2024 29 Juli 2024
Once Again, FIFGROUP Earns the Title of The Excellent Performance Multifinance Company 2024 July 29, 2024
68 SPEKTRA Meriah Balikpapan Tawarkan Cicilan Mulai 0% untuk Produk Elektronik dan Gadget 30 Juli 2024
SPEKTRA Meriah Balikpapan Offers 0% Installments Starting at 0% for Electronics and Gadgets July 30, 2024
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Judul Press Release Tanggal Publikasi
No
Title of Press Release Date of Publication
69 FIFGROUP Dorong UMKM Lewat Workshop Media Sosial 31 Juli 2024
FIFGROUP Empowers MSMEs Through Social Media Workshops July 31, 2024
70 Cari Bakat Videografi Mahasiswa Terbaik, FIFGROUP Kembali Gelar Video Youth Competition 2024 31 Juli 2024
Searching for the Best College Student Videography Talent, FIFGROUP Hosts Video Youth Competition July 31, 2024
2024
71 Masuk Pertengahan Tahun 2024, Laba Bersih FIF Tumbuh 11,7% 31 Juli 2024
Entering Mid-Year 2024, FIF Net Profit Grows by 11.7% July 31, 2024
72 Astra Financial Tutup GIIAS 2024 Tangerang dengan Kinerja Positif 1 Agustus 2024
Astra Financial Closes GIIAS 2024 Tangerang with Positive Performance August 1, 2024
73 Dorong Komitmen Keberlanjutan, Pemasangan Panel Surya FIFGROUP ke-23 Berlanjut di Kota Lampung 6 Agustus 2024
Advancing Sustainability Commitment, FIFGROUP Continues Installation of 23rd Solar Panel in Lampung August 6, 2024
74 Jejakkan Kaki di Desa Sejahtera Astra, Bawa Pulang Pengalaman Pedesaan Bersama FIFGROUP 8 Agustus 2024
Step into Desa Sejahtera Astra, Take Home Rural Experience with FIFGROUP August 8, 2024
75 Inovasi Berkelanjutan: FIFGROUP Sukses Pasang Solar Panel ke-24 di Sorong 8 Agustus 2024
Sustainable Innovation: FIFGROUP Successfully Installs 24th Solar Panel in Sorong August 8, 2024
76 FIFGROUP Sabet Dua Penghargaan Dalam Ajang 5th Indonesia Public Relations (PR) Summit 2024 10 Agustus 2024
FIFGROUP Wins Two Awards at the 5th Indonesia Public Relations (PR) Summit 2024 August 10, 2024
77 Pentingnya Keseimbangan Upaya Penagihan dan Perlindungan Konsumen Asosiasi Advokat Konstitusi 9 Agustus 2024
Selenggarakan Forum Grup Discussion August 9, 2024
The Importance of Balancing Collection Efforts and Consumer Protection Constitutional Lawyers
Association Holds Focus Group Discussion
78 Siap-Siap Warga Bali, FIFGROUP Jelajah Kota 2024 Hadir di GWK! 11 Agustus 2024
Get Ready, Bali Residents, FIFGROUP's 2024 City Tour is Coming to GWK! August 11, 2024
79 Melanjutkan Kesuksesan di GIIAS Tangerang, Astra Financial Hadirkan Penawaran Menarik di GIIAS 13 Agustus 2024
Surabaya 2024 August 13, 2024
Continuing the Success in GIIAS Tangerang, Astra Financial Presents Exciting Offers at GIIAS Surabaya
2024
80 Bangun Karier Bersama FIFGROUP: Bergabunglah di Program Young Leader 2024 20 Agustus 2024
Build Your Career with FIFGROUP: Join the 2024 Young Leader Program August 20, 2024
81 Optimalkan Layanan Pembiayaan, FIFGROUP Resmikan Kantor Cabang Kabupaten Bogor 20 Agustus 2024
Optimizing Financing Services, FIFGROUP Inaugurates New Branch Office in Bogor Regency August 20, 2024
82 Bali, Kota ke-2 Tujuan FIFGROUP Jelajah Kota 2024 14 Agustus 2024
Bali, the 2nd Stop of FIFGROUP’s 2024 City Tour August 14, 2024
83 Aksi FIFGROUP untuk Anak Sehat, Educlean di Kampung Berseri Astra (KBA) Bojongsari 23 Agustus 2024
FIFGROUP’s Actions for Healthy Children, Educlean at Kampung Berseri Astra (KBA) Bojongsari August 23, 2024
84 FIFGROUP Gelar Customer Gathering di Yogyakarta: Berikan Apresiasi dan Edukasi Literasi Keuangan 25 Agustus 2024
untuk konsumen Setia August 25, 2024
FIFGROUP Hosts Customer Gathering in Yogyakarta: Providing Appreciation and Financial Literacy
Education for Loyal Consumers
85 FIFGROUP Raih Penghargaan Indonesia Best Workplace for Women 2024 23 Agustus 2024
FIFGROUP Wins Indonesia Best Workplace for Women 2024 August 23, 2024
86 Hadir di Yogyakarta, FIFGROUP Grebeg Cabang Tawarkan Solusi Pembiayaan Mudah, Aman dan Cepat 23 Agustus 2024
Coming to Yogyakarta, FIFGROUP Grebeg Cabang Offers Easy, Safe and Fast Financing Solutions August 23, 2024
87 Teruskan Inovasi Berkelanjutan: FIFGROUP Resmikan Solar Panel ke-25 di Pontianak 1 27 Agustus 2024
Continuing Sustainable Innovation: FIFGROUP Inaugurates 25th Solar Panel in Pontianak August 27, 2024
88 Dorong Komitmen Keberlanjutan, Pemasangan Panel Surya FIFGROUP ke-26 Berlanjut di Kota Batam 28 Agustus 2024
Advancing Sustainability Commitment, FIFGROUP Continues Installation of 26th Solar Panel in Batam August 28, 2024
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Tata Kelola Perusahaan
Corporate Governance
Judul Press Release Tanggal Publikasi
No
Title of Press Release Date of Publication
89 Booth Astra Financial Resmi Dibuka di GIIAS Surabaya 2024, Hadirkan Beragam Produk dan Layanan 28 Agustus 2024
Keuangan Bagi Konsumen August 28, 2024
Astra Financial Booth Officially Opens at GIIAS Surabaya 2024, Presenting a Variety of Financial Products
and Services for Consumers
90 Hajatan FIFGROUP Spesial Road to Hari Pelanggan: Bentuk Apresiasi Konsumen Setia di Surabaya 29 Agustus 2024
FIFGROUP Special Event Road to Customer Day: Appreciating Loyal Customers in Surabaya August 29, 2024
91 Coach Shin Tae Yong Dorong Atlet Kelola Keuangan Secara Cermat 3 September 2024
Coach Shin Tae Yong Encourages Athletes to Manage Finances Wisely September 3, 2024
92 Astra Financial Catatkan Transaksi Positif di GIIAS Jakarta dan Surabaya 2024 4 September 2024
Astra Financial Records Positive Transactions at GIIAS Jakarta and Surabaya 2024 September 3, 2024
93 FIFGROUP Padang II Raih Penghargaan dari Pemprov Sumatera Barat 24 September 2024
FIFGROUP Padang II Wins Award from West Sumatra Provincial Government September 24, 2024
94 FIFGROUP Ditetapkan Sebagai The Best Performance Multifinance 2024 18 September 2024
FIFGROUP Recognized as The Best Performance Multifinance 2024 September 18, 2024
95 FIFGROUP dan Asuransi Astra Resmikan Masjid di Lombok Pasca Gempa 27 September 2024
FIFGROUP and Astra Insurance Inaugurate Mosque in Lombok After the Earthquake September 27, 2024
96 Apresiasi The Best Multifinance 2024 bagi FIFGROUP 27 September 2024
The Best Multifinance 2024 Appreciation for FIFGROUP September 27, 2024
97 Tingkatkan Keselamatan Berkendara, FIFGROUP Berkolaborasi Bersama AHM Selenggarakan Training 3 Oktober 2024
Safety Riding October 3, 2024
Improving Road Safety, FIFGROUP Collaborates with AHM to Conduct Safety Riding Training
98 Dorong Bisnis Mitra UMKM, FIFGROUP Resmikan Pojok FINATRA 10 Oktober 2024
Supporting MSME Partner Businesses, FIFGROUP Inaugurates FINATRA Corner October 10, 2024
99 FIFGROUP Berhasil Raih 4 Kategori Penghargaan dalam Indonesia PR of The Year 2024 19 Oktober 2024
FIFGROUP Wins 4 Award Categories at Indonesia PR of The Year 2024 October 19, 2024
100 FIFGROUP Raih Penghargaan GOLD Rating ESG NUSANTARA 2024: Wujud Komitmen pada 20 Oktober 2024
Keberlanjutan October 20, 2024
FIFGROUP Receives GOLD Rating Award at ESG NUSANTARA 2024: A Commitment to Sustainability
101 Direktur Keuangan FIFGROUP Raih Gelar Best CFO 2024 22 Oktober 2024
FIFGROUP's Finance Director Wins Best CFO 2024 Award October 22, 2024
102 Tutup Kuartal-III 2024, Laba Bersih PT Federal International Finance Naik 8,8% 22 Oktober 2024
Closing Q3 2024, PT Federal International Finance's Net Profit Increases by 8.8% October 22, 2024
103 Hutan FIFGROUP Dorong Pengurangan Emisi dan Penguatan Ekonomi Lokal 23 Oktober 2024
FIFGROUP Forest Supports Emission Reduction and Strengthens Local Economy October 23, 2024
104 FIFGROUP Dukung Pink Walk 2024 - Sadari Sejak Dini untuk Cegah Kanker Payudara, Sebuah Langkah 27 Oktober 2024
Kecil Berkelanjutan October 27, 2024
FIFGROUP Promotes Pink Walk 2024 - Raising Early Awareness to Prevent Breast Cancer, A Sustainable
Small Step
105 FIFGROUP Gelar Kembali Program Sahabat FINATRA Untuk Mendukung UMKM Indonesia 24 Oktober 2024
FIFGROUP Launches the Sahabat FINATRA Program Again to Support Indonesian MSMEs October 24, 2024
106 Kembali Menjadi Platinum Sponsor di IMOS 2024, FIFGROUP Tawarkan Potongan Tenor dan Promo 25 Oktober 2024
Spesial Lainnya October 25, 2024
Back as Platinum Sponsor at IMOS 2024, FIFGROUP Offers Reduced Tenure and Other Special Promos
107 Booth FIFGROUP di IMOS 2024 Resmi Hadir dengan Beragam Keuntungan untuk Pengunjung Selama 5 30 Oktober 2024
Hari October 30, 2024
FIFGROUP’s Booth at IMOS 2024 Officially Opens with Various Benefits for Visitors Over 5 Days
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Title of Press Release Date of Publication
108 FIFGROUP Berkolaborasi dengan Astra Honda Motor Selenggarakan Workshop Keselamatan 31 Oktober 2024
Berkendara di IMOS October 31, 2024
FIFGROUP Collaborates with Astra Honda Motor to Hold a Road Safety Workshop at IMOS
109 FIFGROUP Gelar Talk Show Pembiayaan Bijak di Pameran IMOS 2024 31 Oktober 2024
FIFGROUP Hosts a Smart Financing Talk Show at IMOS 2024 Exhibition October 31, 2024
110 Program Keberlanjutan IMOS 2024: FIFGROUP Gelar Workshop Waste Crafting dan Berikan Bantuan 1 November 2024
Renovasi Sekolah November 1, 2024
IMOS 2024 Sustainability Program: FIFGROUP Conducts Waste Crafting Workshop and Provides School
Renovation Assistance
111 Booth FIFGROUP di IMOS 2024 Gelar FIFGROUP X TIMNAS GARUDA 2 November 2024
FIFGROUP’s Booth at IMOS 2024 Holds FIFGROUP X GARUDA National Football Team Event November 2, 2024
112 FIFGROUP Ladies Bawa Gaya dan Pesona Berbeda Setiap Hari di IMOS 2024 3 November 2024
FIFGROUP Ladies Bring Different Style and Charm Every Day at IMOS 2024 November 3, 2024
113 40 Jam Pegang Motor, Maurice Bawa Pulang PCX Lewat “FIFGROUP Pegang Asyik” di IMOS 2024 5 November 2024
40 Hours Holding Motorcycle, Maurice Bring Home PCX Through “FIFGROUP Pegang Asyik” at IMOS November 5, 2024
2024
114 FIFGROUP Grebeg Samarinda: Hadirkan Solusi Pembiayaan Praktis untuk Semua Kebutuhan 8 November 2024
FIFGROUP Grebeg Samarinda: Providing Practical Financing Solutions for All Needs November 8, 2024
115 FIFGROUP di IMOS 2024 Capai Target Transaksi Rp6,8 Miliar 9 November 2024
FIFGROUP at IMOS 2024 Achieves Transaction Target of Rp6.8 Billion November 9, 2024
116 Dukung Pembangunan Rumah Ibadah dari Lima Agama, FIFGROUP Serahkan Bantuan Sosial Senilai 11 November 2024
Rp210 Juta di Kota Denpasar November 11, 2024
Supporting the Construction of Five Religions’ Houses of Worship, FIFGROUP Gives Social Assistance
Worth Rp210 Million in Denpasar City
117 Tingkatkan Keselamatan Berkendara, FIFGROUP Berkolaborasi Bersama Astra Motor Yogyakarta 13 November 2024
Selenggarakan Training Safety Riding November 13, 2024
Enhancing Road Safety, FIFGROUP Collaborates with Astra Motor Yogyakarta to Organize Safety Riding
Training
118 35 Mahasiswa Terpilih, Siap Jalani Rangkaian Pembekalan Kompetensi melalui Beasiswa FIFGROUP 18 November 2024
Young Leader 2024 November 18, 2024
35 Selected Students Ready to Follow a Series of Competency Training Through FIFGROUP Young
Leader 2024 Scholarship Program
119 FIFGROUP Raih Most Reputable Companies Award 2024 19 November 2024
FIFGROUP Achieves Most Reputable Companies Award 2024 November 19, 2024
120 FIFGROUP Borong Tiga Penghargaan dalam Indonesia Corporate Sustainability Award 2024 22 November 2024
FIFGROUP Sweeps Three Awards at the Indonesia Corporate Sustainability Award 2024 November 22, 2024
121 FIFestival Street Food 2024: 25 UMKM Tawarkan Cita Rasa Khas Indonesia 28 November 2024
FIFestival Street Food 2024: 25 MSMEs Offer Unique Indonesian Flavors November 28, 2024
122 Raih Penghargaan Indonesia CSR Awards 2024, FIFGROUP Buktikan Komitmen Implementasi Misi 28 November 2024
Perusahaan November 28, 2024
Winning Indonesia CSR Awards 2024, FIFGROUP Proves Commitment to Implement the Company's
Mission
123 FIFGROUP Torehkan Prestasi di Ajang Top 100 CEO dan The 200 Future Leaders 2024 29 November 2024
FIFGROUP Achieves Recognition at the Top 100 CEOs and the 200 Future Leaders 2024 November 29, 2024
124 FIFGROUP Berbagi Kasih Natal dan Tahun Baru untuk 35 Panti Asuhan 3 Desember 2024
FIFGROUP Spreads Love on Christmas and New Year to 35 Orphanages December 3, 2024
125 FIFGROUP dan MPM Honda Jatim Gelar Pelatihan Safety Riding untuk Tingkatkan Keselamatan 3 Desember 2024
Berkendara December 3, 2024
FIFGROUP and MPM Honda Jatim Conduct Safety Riding Training to Enhance Road Safety
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Tata Kelola Perusahaan
Corporate Governance
Judul Press Release Tanggal Publikasi
No
Title of Press Release Date of Publication
126 Perluas Jaringan Layanan Pembiayaan, FIFGROUP Resmikan Kantor Cabang Kabupaten Berau 4 Desember 2024
Expanding Financing Service Network, FIFGROUP Inaugurates a Branch Office in Berau Regency December 4, 2024
127 FIFGROUP Terpilih Menjadi Top 5 Graduate Employer Award 2024 4 Desember 2024
FIFGROUP Selected as a Top 5 Graduate Employer Award 2024 December 4, 2024
128 Sukses Berikan Layanan Prima, FIFGROUP Raih Tiga Penghargaan dalam Indonesia Customer 5 Desember 2024
Experience Award 2024 December 5, 2024
Successfully Providing Excellent Service, FIFGROUP Earns Three Awards at the Indonesia Customer
Experience Award 2024
129 FIFGROUP Sabet 4 Penghargaan dari Asosiasi Perusahaan Pembiayaan Indonesia (APPI) 5 Desember 2024
FIFGROUP Secures Four Awards from the Indonesian Financial Services Association (APPI) December 5, 2024
130 Meriah! FIFGROUP Grebeg Cabang Hadir di Batam, Tawarkan Solusi Pembiayaan Mudah, Aman dan 6 Desember 2024
Cepat December 6, 2024
Exciting News! FIFGROUP Grebeg Cabang Comes to Batam, Offering Easy, Safe, and Fast Financing
Solutions
131 FIFGROUP Libatkan Total Lebih dari 19.500 Guru dan Siswa dalam Program MENYALA untuk Tingkatkan 9 Desember 2024
Literasi Keuangan di Indonesia December 9, 2024
FIFGROUP Engages Over 19,500 Teachers and Students in the MENYALA Program to Enhance Financial
Literacy in Indonesia
132 Mantapkan Langkah Keberlanjutan, Panel Surya ke-27 FIFGROUP Hadir di Pangkal Pinang 11 Desember 2024
Strengthening Sustainability Efforts, FIFGROUP's 27th Solar Panel Installed in Pangkal Pinang December 11, 2024
133 Sambut Natal 2024, FIFGROUP Bagikan 880 Alkitab di Delapan Gereja 11 Desember 2024
Welcoming Christmas 2024, FIFGROUP Distributes 880 Bibles in Eight Churches December 11, 2024
134 FIFGROUP Raih Penghargaan Indonesia CEO Excellence Awards 2024 19 Desember 2024
FIFGROUP Achieves Indonesia CEO Excellence Awards 2024 December 19, 2024
135 Penghujung Tahun, FIFGROUP Raih 2 Penghargaan dalam Ajang Indonesia Corporate Sustainability 19 Desember 2024
Initiatives 2024 December 19, 2024
Closing the Year, FIFGROUP Wins 2 Awards at the Indonesia Corporate Sustainability Initiatives 2024
Media Komunikasi Internal Internal Communication Media
Komunikasi yang efektif diyakini memegang peranan penting Effective communication is believed to play a crucial role in
dalam membantu keberhasilan berbagai program dan supporting the success of the Company’s various programs
aktivitas Perseroan. Untuk memastikan seluruh informasi and activities. To ensure that all information is well-distributed
terdistribusi dengan baik kepada seluruh karyawan, to all employees, the Company has provided internal
Perseroan telah menyediakan media komunikasi internal communication media accessible to all employees, both in
yang dapat diakses oleh seluruh karyawan baik dalam the form of print and electronic media, such as WhatsApp,
bentuk media cetak dan media elektronik, seperti WhatsApp, e-mail, and company magazines.
e-mail, dan majalah perusahaan.
Dalam prosesnya, Perseroan memiliki bagian komunikasi In the process, the Company has established a corporate
korporasi dengan menunjuk level jabatan Kepala Cabang communication department by appointing the Branch
sebagai Corporate Guardian Cabang dan perwakilan level Head position level to serve as Corporate Guardians for
jabatan Officer di masing-masing divisi sebagai Corporate the branches and representatives at the Officer position
Guardian Head Office yang memiliki tugas dan tanggung level in each division to serve as Corporate Guardians
jawab untuk memastikan setiap informasi tersampaikan for the Head Office. These individuals have the duty and
hingga ke seluruh karyawan internal di masing-masing titik responsibility to ensure that all information is delivered to
network dan divisi. all internal employees at each network point and division.
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Transparansi dan Kondisi Keuangan dan
Non-Keuangan
Transparency and Financial & Non-Financial Conditions
Perseroan memastikan telah melaksanakan kewajiban The Company ensures compliance with information
keterbukaan informasi. Penerapan transparansi dan disclosure obligations. The implementation of transparency
keterbukaan informasi dilakukan melalui penyediaan and information disclosure is carried out by providing timely,
informasi kuantitatif dan kualitatif yang tepat waktu, accurate, relevant, and adequate quantitative and qualitative
akurat, relevan, dan memadai bagi seluruh stakeholder. information for all stakeholders. Regarding the disclosure
Sehubungan dengan pengungkapan kondisi keuangan dan of financial and non-financial conditions, the following is a
non-keuangan. Berikut ini adalah daftar publikasi berkala list of periodic publications issued by the Company through
yang dilakukan Perseroan baik melalui media cetak ataupun both print media and its website:
situs web, yaitu:
1. Laporan Publikasi yang sekurangnya berisi Keuangan 1. Publication Reports, which include at a minimum
Bulanan, Kinerja Keuangan, dan informasi lain yang Monthly Financial Reports, Financial Performance,
disajikan dalam mata uang rupiah secara berkala sesuai and other relevant information presented in Rupiah
dengan ketentuan yang berlaku; currency, published periodically in accordance with
applicable regulations.
2. Laporan Informasi Non Keuangan yang mencakup 2. Non-Financial Information Reports, covering the
kepengurusan dan kepemilikan Perseroan, Company’s management and ownership structure,
perkembangan usaha, kelompok usaha, strategi dan business developments, corporate group, management
kebijakan manajemen, laporan manajemen, serta strategies and policies, management reports, and other
informasi material lainnya; material information.
3. Informasi Produk dan Layanan Perseroan beserta Jaringan 3. Product and Service Information, including details of
Kantor yang tersebar luas sehingga memudahkan para the Company's extensive office network, ensuring easy
debitur dan investor untuk mengakses informasi tersebut; access to information for debtors and investors.
4. Informasi yang bertujuan untuk mengedukasi nasabah 4. Customer Education Information, such as debtor
seperti mekanisme pengaduan debitur, aktivitas literasi complaint mechanisms and financial literacy activities,
keuangan yang telah disajikan dalam Laporan Tahunan which are published in the Annual Report or available
atau dapat diunduh melalui situs web Perseroan. for download on the Company's website.
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Tata Kelola Perusahaan
Corporate Governance
Transparansi Produk dan Penggunaan Data Debitur
Product Transparency and Use of Debtors’ Data
Perseroan menerapkan kebijakan transparansi informasi The Company implements a policy of information
mengenai produk dan penggunaan data pribadi debitur, transparency regarding products and the use of debtors'
sebagaimana tertuang dalam Perjanjian Pembiayaan dan personal data, as stipulated in the Financing Agreement
lampiran-lampirannya (Ringkasan Informasi Pembiayaan). and its appendices (Financing Information Summary). In
Dalam menjalankan kegiatan usaha di bidang pembiayaan, completing business activities in financing, the Company with
Perseroan dengan kesadaran penuh senantiasa memberikan full awareness always provides comprehensive and clear
informasi tertulis dan edukasi lisan yang lengkap dan jelas written information and verbal education to prospective and
kepada calon debitur maupun eksisting debitur mengenai existing debtors about the characteristics of the products
karakteristik produk dan/atau jasa yang ditawarkan, termasuk and/or services offered, including explaining the benefits,
menjelaskan informasi manfaat, risiko, dan biaya-biaya yang risks, and costs associated with the Company’s products.
melekat pada produk Perseroan.
Komitmen Perseroan untuk menyampaikan informasi The Company's commitment to delivering accurate, honest,
mengenai produk dan/atau layanan yang akurat, jujur, clear, and non-misleading information about products and/
jelas dan tidak menyesatkan telah dinyatakan secara tegas or services has been explicitly stated in documents or other
dalam dokumen atau sarana lain yang dapat digunakan media that can be used as evidence in Indonesian. The
sebagai alat bukti dalam Bahasa Indonesia. Informasi yang information provided is real-time and easily accessible
disampaikan tersebut bersifat real time dan mudah diakses to debtors.
oleh debitur.
Selain memastikan keterbukaan informasi atas produk dan/ In addition to ensuring transparency of information on
atau layanan, Perseroan juga sangat menjunjung tinggi products and/or services, the Company highly respects
privasi, akurasi, dan aksesibilitas data pribadi debitur. the privacy, accuracy, and accessibility of debtors' personal
Untuk memastikan hal ini, Perseroan telah berinvestasi data. To ensure this, the Company has invested in the latest
pada teknologi informasi terkini yang relevan dengan information technology relevant to financing business
kegiatan usaha pembiayaan guna menjaga keamanan data activities to protect debtors' personal data from potential
pribadi debitur dari potensi kebocoran data pribadi. Sebagai data breaches. As proof of its commitment to information
bukti komitmen atas perlindungan keamanan informasi, security, the Company has adopted international best
Perseroan telah mengadopsi standar best practice practice standards in information security to protect the
internasional mengenai keamanan informasi dalam rangka processing of the Company's information assets by obtaining
menjaga keamanan pengolahan aset informasi perusahaan ISO 27001:2013 certification for the Information Security
melalui perolehan sertifikasi ISO27001:2013 tentang Sistem Management System (ISMS).
Manajemen Keamanan Informasi (SMKI).
Dengan terus berusaha menjaga kualitas transparansi By continuously maintaining the quality of transparency
informasi produk dan/atau layanan yang diikuti juga dengan of product and/or service information, as well as a strong
dan komitmen serius dalam melindungi data pribadi debitur, commitment to protect debtors' personal data, the Company
maka Perseroan turut berkontribusi dalam membangun contributes to building a healthy multifinance industry
ekosistem industri multifinance yang sehat dan berlandaskan ecosystem based on the GCG principles.
pada prinsip-prinsip GCG.
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Perlindungan Informasi Debitur Debtor Information Protection
Perseroan secara tegas melarang penyebarluasan informasi The Company strictly prohibits the dissemination of debtors'
data pribadi debitur kepada pihak ketiga, kecuali yang personal data information to third parties, unless when
bersangkutan telah memberikan persetujuan tertulis the debtor has provided written and/or verbal consent
dan/atau lisan (voicemail, telepon, atau video call yang (voicemail, phone call, or recorded video call) that can serve
direkam) yang dapat digunakan sebagai alat bukti yang as evidence as required by laws and regulations. In cases
diwajibkan oleh peraturan perundang-undangan. Dalam that the Company obtains personal data and/or information
hal Perseroan memperoleh data dan/atau informasi pribadi of individuals and/or groups from other parties and intends
perseorangan dan/atau sekelompok orang dari pihak lain to use such data and/or information to perform its activities,
dan akan menggunakan data dan/atau informasi tersebut the Company is also required to have a written and/or verbal
untuk melaksanakan kegiatannya, maka Perseroan juga statement (voicemail, phone call, or recorded video call) that
wajib memiliki pernyataan tertulis dan/atau lisan (voicemail, can serve as evidence confirming that the data provider has
telepon, atau video call yang direkam) yang dapat digunakan obtained the necessary consent.
sebagai alat bukti bahwa pihak pemberi data informasi telah
memperoleh persetujuan.
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Tata Kelola Perusahaan
Corporate Governance
Kode Etik dan Budaya Perseroan
Company Code of Conduct and Culture
Perseroan menyadari bahwa terbentuknya citra dan The Company recognizes that building a positive image,
reputasi positif serta kepercayaan publik merupakan kunci reputation, and public trust is the key to sustaining its business
keberhasilan dalam menjaga keberlangsungan usaha sampai continuity to this day. Therefore, the Company consistently
dengan hari ini. Oleh karena itulah, Perseroan senantiasa conducts business ethically and responsibly, in accordance
menjalankan bisnis secara etis dan bertanggung jawab with the Business Ethics and Work Ethics Guidelines, as
sesuai dengan Pedoman Etika Bisnis dan Etika Kerja yang outlined in the Code of Conduct, which is an integral part
telah diatur dalam dokumen Kode Etik yang menjadi bagian of the Company’s Corporate Governance Guidelines.
dari Pedoman Tata Kelola Perseroan.
Kode Etik Perseroan berfungsi sebagai pedoman standar The Company’s Code of Conduct serves as a behavioral
berperilaku yang wajib dipatuhi oleh seluruh insan FIF standard that must be adhered to by all FIF personnel, both in
baik dalam bekerja maupun saat berinteraksi dengan their work and interactions with debtors, business partners,
para debitur, mitra bisnis atau rekan kerja. Pedoman ini or colleagues. This guideline provides explanations and
memberikan penjelasan dan arahan tentang komitmen directives on the commitment to ethical business practices
berbisnis secara etis sesuai dengan norma-norma yang in line with prevailing norms, outlining employee rights and
berlaku, menguraikan kewajiban dan hak karyawan, obligations, defining violations, the corresponding sanctions,
termasuk menetapkan tindakan pelanggaran beserta sanksi and the officials authorized to impose them.
yang diberikan dan pejabat yang memiliki wewenang dalam
memberikan sanksi.
Penyusunan Kode Etik Perseroan mengacu pada ketentuan The Company’s Code of Conduct is formulated based on
POJK No. 30/POJK.05/2014 jo. POJK No. 29/POJK.05/2020 POJK No. 30/POJK.05/2014 in conjunction with POJK No.
tentang Tata Kelola Perusahaan yang Baik bagi Pembiayaan. 29/POJK.05/2020 concerning Good Corporate Governance
Pedoman ini tidak bersifat statis sehingga dapat diperbaharui for Financing Companies. This guideline is not static and
secara berkala agar dapat mengakomodasi perubahan can be periodically updated to accommodate changes
dalam praktik profesional, teknologi baru, atau ekspektasi in professional practices, new technologies, or evolving
para pemangku kepentingan yang berubah. Pemutakhiran stakeholder expectations. The latest update to the
terakhir terhadap dokumen Kode Etik Perseroan telah Company’s Code of Conduct was made on February 13,
dilakukan pada 13 Februari 2023. 2023.
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Ruang lingkup penerapan Kode Etik Perseroan adalah The scope of implementation of the Company’s Code of
sebagai berikut: Conduct is as follows:
Mitra | Partners
1. Pemasok | Supplier
Media Massa 2. Penyalur | Distributor
Mass Media 3. Prinsipal | Principal
Masyarakat Pesaing
Society Competitor
Perseroan
Company
Penyelenggara Negara Calon Investor
State Official Potential Investor
Perusahaan Afiliasi Pemegang Saham
Affiliated Company Shareholders
Pelanggan Karyawan
Customer Employee
Dengan adanya Pedoman Kode Etik diharapkan setiap With the Code of Conduct Guidelines, every employee is
karyawan memiliki kesadaran penuh untuk menjalankan expected to have full awareness in conducting their duties
tugas dan tanggung jawab dengan memegang tinggi asas and responsibilities by upholding the principles of honesty,
kejujuran, integritas dan profesional, serta berlandaskan integrity, and professionalism, while being guided by the
pada nilai-nilai budaya perusahaan. Company’s cultural values.
Pokok-Pokok Kode Etik Key Points of the Code of Conduct
Pokok-pokok yang diatur dalam Kode Etik Perseroan adalah The key points regulated in the Company's Code of Conduct
sebagai berikut: are as follows:
1. Pengantar 1. Introduction
2. Ruang Lingkup 2. Scope
3. Etika Bisnis, meliputi etika terhadap: 3. Business Ethics, covering ethics towards:
• Pelanggan • Customers
• Mitra Usaha • Business Partners
• Pesaing • Competitors
• Karyawan • Employees
• Pemegang Saham • Shareholders
• Calon Investor • Potential Investors
• Perusahaan Afiliasi • Affiliated Companies
• Penyelenggara Negara • Government Officials
• Masyarakat • Public
• Media Massa • Mass Media
4. Etika Kerja, meliputi pedoman mengenai: 4. Work Ethics, including guidelines on:
• Sikap karyawan dalam Perseroan • Employees’ attitude within the Company
• Sikap karyawan dalam menggunakan wewenang • Employees’ attitude in exercising authority and
dan jabatan di Perseroan position within the Company
• Sikap karyawan berkaitan dengan informasi rahasia • Employees’ attitude regarding the Company's
Perseroan confidential information
• Hubungan karyawan sebagai atasan/bawahan di • Employees relations as superiors/subordinates within
Perseroan the Company
• Hubungan sesama karyawan • Relations among employees
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Tata Kelola Perusahaan
Corporate Governance
Pernyataan Kode Etik Berlaku Bagi Seluruh Level Statement on the Applicability of the Code of
Manajemen Conduct Across All Management Levels
Kode Etik menjelaskan prinsip-prinsip dasar perilaku pribadi The Code of Conduct outlines fundamental principles of
dan profesional yang bersifat mengikat bagi seluruh insan personal and professional behavior that are binding for
Perseroan mulai dari jajaran Dewan Komisaris, Direksi, all individuals within the Company, including the Board of
Kepala Divisi hingga seluruh karyawan baik yang bertugas Commissioners, Directors, Division Heads, and all employees,
di kantor pusat maupun kantor cabang. whether stationed at the head office or branch offices.
Sosialisasi Kode Etik dan Upaya Penegakannya Dissemination and Enforcement of the Code of
Conduct
Seluruh manajemen Perseroan bertanggung jawab untuk All Company management is responsible for ensuring that
memastikan bahwa standar etika Perseroan telah dipahami the Company's ethical standards are well understood by
dengan baik oleh seluruh karyawan. Oleh karena itu Kode all employees. Therefore, the Code of Conduct, which is
Etik yang menjadi satu kesatuan dengan Pedoman Tata integrated into the Corporate Governance Guidelines, is
Kelola dapat diakses dengan mudah oleh seluruh karyawan easily accessible to all employees through the Company’s
pada pada platform digital Perseroan yakni Document digital platform, namely Document Center or the
Center ataupun di situs web Perseroan. Company’s website.
Pengungkapan Mengenai Budaya Perusahaan Disclosure Regarding Corporate Culture
Uraian lebih lanjut mengenai Nilai-Nilai Budaya Perusahaan Further details on the Company’s Cultural Values
telah diungkapkan pada Bab Profil Perusahaan, dalam are disclosed in the Company Profile chapter of this
Laporan Tahunan ini. Annual Report.
Sanksi atas Pelanggaran dan Jumlah Pelanggaran Sanctions for Violations and the Number of Code
Kode Etik Tahun 2024 of Conduct Violations in 2024
Perseroan memberikan sanksi tegas kepada karyawan The Company imposes strict sanctions on employees
yang terbukti tidak melaksanakan kewajibannya dan/ proven to have failed to fulfill their duties and/or violated
atau melakukan pelanggaran terhadap kebijakan internal/ internal policies, Company regulations, or applicable laws
ketentuan Perseroan, Peraturan Perusahaan dan peraturan and regulations as stipulated in the Corporate Governance
perundangan yang berlaku sebagaimana yang tertuang Guidelines which include provisions regarding business
dalam Pedoman Tata Kelola Perusahaan yang mencakup ethics and work ethics guidelines. All violations are processed
ketentuan mengenai ketentuan pedoman etika bisnis dan and addressed in accordance with legal provisions and
etika kerja. Seluruh pelanggaran diproses dan ditindaklanjuti the Company's Articles of Association. Violators may face
sesuai dengan ketentuan perundang-undangan dan graduated sanctions, including:
Anggaran Dasar Perseroan. Sanksi yang dikenakan
kepada pelanggar diterapkan secara berjenjang, yaitu
sebagai berikut:
1. Surat Peringatan Pertama; 1. First Warning Letter;
2. Surat Peringatan Kedua; 2. Second Warning Letter;
3. Surat Peringatan Ketiga; dan 3. Third Warning Letter; and
4. Pemutusan Hubungan Kerja (PHK). 4. Termination of Employment (PHK).
Sepanjang tahun 2024, terdapat 9 pelanggaran Peraturan Throughout 2024, there were 9 violations of Company
Perusahaan yang dilakukan oleh karyawan dan seluruhnya Regulations committed by employees, all of which were
telah diselesaikan sesuai dengan prosedur yang berlaku. promptly resolved in accordance with applicable procedures.
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Sistem Pelaporan Pelanggaran
Whistleblowing System
Perseroan mendemonstrasikan praktik tata kelola yang baik The Company demonstrates good governance practices by
dengan membangun dan menjalankan sistem pelaporan establishing and running a Whistleblowing System (WBS)
pelanggaran atau Whistleblowing System (WBS) yang that enables every party to be involved in the prevention
memungkinkan setiap pihak untuk terlibat dalam upaya early detection of irregularities or fraud at the Head Office,
pencegahan dan pendeteksian dini terhadap tindakan branch offices, and other Company units. The Company’s
penyimpangan atau kecurangan (fraud) baik di kantor pusat, WBS system is implemented securely and effectively through
cabang, hingga unit kerja Perseroan. Sistem WBS Perseroan FIFGROUP Integrity for Sustainability (FIFTrust) as means
diterapkan secara aman dan efektif melalui FIFGROUP to report any suspicious activity, fraud, and violations of
Integrity for Sustainability (FIFTrust) sebagai sarana untuk laws, Articles of Association, Company Regulations, Code
melaporkan segala kegiatan yang mencurigakan, tindakan of Conduct, as well as conflicts of interests that may harm
kecurangan, dan pelanggaran terhadap hukum, Anggaran the Company.
Dasar, Peraturan Perusahaan, Kode Etik serta benturan
kepentingan yang dapat merugikan Perseroan.
Melalui penerapan WBS yang efektif dan optimal, Perseroan By implementing an effective and optimal WBS, the
dapat menutup segala celah yang memungkinkan terjadinya Company can eliminate any possibility for violations in
tindakan pelanggaran di lingkungan kerja. Keberadaan WBS the work environment. The existence of the WBS is also
juga diharapkan dapat meningkatkan kepedulian karyawan expected to increase employees’ concern to participate
untuk turut serta menjaga unit kerjanya dari potensi kerugian in protecting their work units from potential losses due to
akibat fraud serta rasa ikut memiliki (sense of belonging) fraud and employees' sense of belonging to the Company
karyawan terhadap Perseroan menjadi lebih tinggi dengan becomes higher with the aim of creating good governance
tujuan untuk menciptakan tata kelola yang baik demi to promote the Company's sustainable growth.
meningkatkan pertumbuhan berkelanjutan Perseroan.
Tujuan Whistleblowing System Whistleblowing System Purpose
Penerapan WBS di lingkungan Perseroan bertujuan untuk The implementation of the WBS within the Company aims
membangun sistem pengendalian internal yang kuat to build a strong internal control system as regulated in
sebagaimana telah diatur di dalam Peraturan Perundang- the prevailing laws and regulations which are derived into
undangan yang berlaku yang diturunkan kedalam bentuk the form of internal regulations including Guidelines, Pacts
regulasi internal berupa Pedoman, Pakta dan SOP. and SOPs. The existence of WBS is expected to serve as
Keberadaan WBS diharapkan dapat menjadi sarana an effective reporting platform for submitting complaints
pelaporan yang efektif untuk menyampaikan pengaduan or reports regarding suspected fraud, violations of laws,
atau pelaporan atas tindakan dugaan kecurangan company regulations, code of conduct, as well as conflicts
(fraud) ataupun pelanggaran terhadap hukum, peraturan of interests.
perusahaan, kode etik serta benturan kepentingan.
Prosedur Pelaporan Pelanggaran Whistleblowing Procedure
Perseroan mendorong semua pihak baik internal The Company encourages all parties, both internal and
maupun eksternal untuk tidak ragu melaporkan segala external, to always report any suspected violations occurring
bentuk dugaan pelanggaran yang terjadi di Perseroan in the Company by submitting initial evidence that can be
dengan menyampaikan bukti-bukti awal yang dapat accounted for and good intentions for the benefit of the
dipertanggungjawabkan serta niat baik untuk kepentingan Company. Any forms of reporting on violations or suspected
Perseroan. Segala bentuk pelaporan atas pelanggaran atau violations committed by employees can be submitted
dugaan adanya pelanggaran yang dilakukan oleh karyawan through the following channels:
dapat disampaikan melalui media berikut ini:
08111098696 (WhatsApp) pengaduan@fiftrust.id (email) https://bit.ly/pengaduanfiftrust (Ms. Form)
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Tata Kelola Perusahaan
Corporate Governance
Semua laporan pengaduan yang disampaikan oleh Pelapor All reports submitted through those WBS channels will
melalui media WBS di atas akan diteruskan kepada pihak be forwarded to the complaint management team to be
pengelola aduan untuk diselidiki dan ditindaklanjuti sesuai investigated and followed up in accordance with applicable
dengan prosedur internal yang berlaku. internal procedures.
Pihak Pengelola Laporan dan Proses Penanganan Whistleblowing Officer and Complaint Handling
Pengaduan Process
Setiap dokumen pelaporan, data pendukung, dan bukti Every reporting document, supporting data, and initial
awal yang masuk ke dalam WBS Perseroan akan diproses evidence submitted to the Company’s WBS will be processed
secara independen dan objektif, serta ditelusuri kebenaran independently and objectively, with the accuracy of the
informasinya oleh pihak pengelola atau unit kerja terkait information thoroughly verified by the manager or relevant
dengan selalu mengedepankan asas praduga tidak bersalah. work unit by always prioritizing the presumption of innocence
Dalam hal ini, Direksi memberikan kewenangan kepada principle. In this case, the Board of Directors authorizes
Fraud Oversight Comittee (FOC) dan fungsi Anti Fraud the Fraud Oversight Committee (FOC) and the Anti-Fraud
Management untuk menindaklanjuti seluruh laporan Management function to follow up on all incoming reports.
pengaduan yang masuk.
Mekanisme atau prosedur umum terkait penanganan The general mechanism or procedure for handling reports
pelaporan melalui WBS di lingkungan Perseroan telah diatur through the WBS within the Company is regulated under
dalam regulasi 002/FIF/SOP/AFM/IX/2024, yang diuraikan 002/FIF/SOP/AFM/IX/2024 and detailed as follows:
sebagai berikut:
1. Sumber informasi pelaporan akan dilakukan pooling dan 1. Source of reporting information will be pooled
rekapitulasi oleh Anti Fraud Management Department, and recapitulated by the Anti-Fraud Management
untuk selanjutnya dilakukan proses Preliminary Analysis Department, and the Preliminary Analysis process will
yang akan disampaikan secara internal. be carried out internally.
2. Dalam berjalannya proses investigasi, pelaksanaan 2. In the course of investigation process, the implementation
dilakukan oleh Tim Investigator Anti Fraud Management is performed by the Anti Fraud Management Investigator
dan dimungkinkan terdapat pihak lain yang telah ditunjuk Team and it is possible for other parties to have been
melalui Surat Keputusan Direksi yaitu Tim Ad Hoc appointed through the Directors’ Decree namely the Ad
(special condition). Hoc Team (special condition).
3. Hasil investigation report akan dilaporkan kepada 3. Results of the investigation report will be reported to
Fraud Oversight Committee (FOC) untuk kemudian Fraud Oversight Committee (FOC) for a final settlement
mendapatkan keputusan final settlement oleh decision by the President Director.
Presiden Direktur.
4. Settlement Follow Up atas keputusan Presiden Direktur 4. Settlement Follow Up on the President Director’s decision
akan dilaksanakan dengan melibatkan Organisasi terkait will be implemented by involving related organizations
yang terdiri dari Litigation Department, Human Capital consisting of Litigation Department, Human Capital
Industrial Relationship Department, dan Corporate Legal Industrial Relationship Department, and Corporate Legal
( jika diperlukan). (if needed).
5. Anti Fraud Management Department secara rutin akan 5. Anti-Fraud Management Department will routinely
melaksanakan Consolidation Report sebagai bentuk conduct Consolidation Report as a form of reconciliation
rekonsiliasi penanganan kasus dengan Final Settlement of case handling with Final Settlement of each case.
setiap kasus.
Selama proses penanganan pengaduan berlangsung, During the complaint handling process, the Company
Perseroan menjamin kerahasiaan dokumen pengaduan guarantees the confidentiality of all reports and evidence
dan bukti-bukti yang disampaikan oleh pihak Pelapor. submitted by the Whistleblower.
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Perlindungan Bagi Pelapor Protection to Whistleblower
Dalam rangka memberikan rasa aman kepada pihak In order to provide a sense of security to the Whistleblowers,
Pelapor, Perseroan memberikan jaminan perlindungan the Company guarantees protection by maintaining the
terhadap Pelapor dengan menjaga kerahasiaan identitas confidentiality of their identities and is committed to
yang bersangkutan dan berkomitmen untuk melindungi protecting them from any form of retaliation that can
Pelapor dari segala bentuk tindakan pembalasan yang dapat be done by the Reported Parties. This commitment has
dilakukan oleh Terlapor. Komitmen tersebut telah diatur been stipulated in policy No. 005/FIF/SOP/AFM/XII/2024
dalam kebijakan No. 005/FIF/SOP/AFM/XII/2024 tentang concerning Confidentiality and Whistleblower Protection
Kerahasiaan dan Perlindungan Pelapor Whistleblowing in the Whistleblowing System (WBS).
System (WBS).
Para Pelapor berhak untuk mendapatkan update informasi Whistleblowers are entitled to receive updates regarding
mengenai tindak lanjut atas laporannya, serta juga the follow-up on their reports and are also allowed to submit
diperkenankan untuk menyampaikan informasi aduan additional information if they experience pressure, threats,
apabila mendapatkan tekanan, ancaman atau tindakan or harmful actions perpetrated by the reported parties. The
yang merugikan yang dilakukan oleh pihak Terlapor. Company provides protection to whistleblowers, on the
Perseroan memberikan perlindungan kepada Pelapor atas possibility of the following matters:
kemungkinan dilakukannya hal-hal sebagai berikut:
1. Pemecatan; 1. Termination;
2. Penurunan jabatan atau pangkat; 2. Demotion of position or rank;
3. Pelecehan atau diskriminasi dalam segala bentuknya; 3. Harassment or discrimination in any form;
4. Catatan yang merugikan dalam file data pribadinya 4. Detrimental personal file record.
(personal file record).
Seluruh jaminan perlindungan kepada Pelapor diberikan All protections for whistleblowers are fully provided by the
sepenuhnya oleh Perseroan sepanjang pihak Pelapor Company as long as the whistleblower is proven to be
terbukti bersih dari segala keterlibatan aktivitas fraud atas clean from any involvement of fraudulent activities on the
laporan pengaduan yang disampaikan. reported complaint.
Hasil Penanganan Pengaduan Tahun 2024 Results of Complaint Handling in 2024
Sepanjang tahun 2024, Perseroan telah menerima sebanyak Throughout 2024, the Company received a total of 12
12 (dua belas) laporan pengaduan melalui WBS. Dengan (twelve) complaints through the WBS, with the following
hasil tindak lanjut pengaduan pelanggaran sebagai berikut: outcomes of the violation reports:
Jenis Sanksi Jumlah Orang
Type of Sanctions Number of Suspect
Surat Peringatan Pertama 0
First Warning Letter
Surat Peringatan Kedua 0
Second Warning Letter
Surat Peringatan Ketiga 1
Third Warning Letter
Pemutusan Hubungan Kerja (PHK) 6
Termination of Employment (PHK)
Sanksi Pidana 0
Criminal Sanctions
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Tata Kelola Perusahaan
Corporate Governance
Evaluasi Terhadap Peningkatan Efektivitas dan Evaluation to Increase Effectiveness and Improve
Perbaikan Penerapan WBS WBS Implementation
Sepanjang tahun 2024, Perseroan telah melakukan Throughout 2024, the Company has conducted periodic
evaluasi berkala terhadap pengelolaan operasional WBS evaluations of the WBS operational management to enhance
untuk mendukung langkah-langkah pengawasan agar the effectiveness of supervisory measures, thereby fraud
dapat berjalan lebih efektif sehingga praktek fraud atau practices or other internal irregularities can be suppressed.
penyimpangan internal lainnya dapat ditekan. Untuk To accommodate these needs, the Company also reviewed
mengakomodasi kebutuhan tersebut, Perseroan juga policies and guidelines related to the WBS to remain relevant
meninjau kebijakan dan pedoman terkait WBS agar tetap in accordance with the dynamics of business that develop
relevan sesuai dengan dinamika bisnis yang berkembang in the financial services sector, especially in the multi-
di sektor jasa keuangan khususnya industri multifinance. finance industry. As an integral part of efforts to improve the
Sebagai bagian yang tidak terpisahkan dalam upaya effectiveness of WBS management, the Company regularly
peningkatan efektivitas pengelolaan WBS, Perseroan organized WBS dissemination programs for employees at
juga secara rutin melakukan sosialisasi WBS baik kepada both the head office and branch offices.
karyawan yang bertugas di kantor pusat ataupun di cabang-
cabang.
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Kebijakan Anti-Korupsi dan Penyuapan
Anti-Corruption and Bribery Policy
Perseroan memiliki komitmen tinggi untuk menjalankan The Company has a strong commitment to running a
bisnis pembiayaan yang bersih dari praktik korupsi dan financing business free from corruption and is responsible in
bertanggung jawab sesuai dengan hukum dan peraturan compliance with applicable laws and regulations, particularly
perundang-undangan yang berlaku khususnya dalam adhering to Law No. 20 of 2001 concerning the Eradication
mematuhi UU No. 20 Tahun 2001 tentang Pemberantasan of Corruption Crimes. This commitment aligns with the
Tindak Pidana Korupsi. Hal ini juga sejalan dengan Nilai- Company's Values that prioritize integrity and always act
Nilai Perusahaan yang mengedepankan sikap integritas dan in accordance with prevailing ethical standards.
selalu bertindak sesuai dengan standar etika yang berlaku.
Upaya Perseroan dalam menutup ruang atau celah yang The Company's efforts to eliminate space or gaps that allow
memungkinkan terjadinya tindakan atau transaksi yang actions or transactions that lead to Corruption, Collusion and
mengarah pada Korupsi, Kolusi, dan Nepotisme (KKN) Nepotism (KKN) are reflected in the implementation of the
ditunjukan melalui implementasi Sistem Manajemen Anti internationally recognized Anti-Bribery Management System
Penyuapan (SMAP) berstandar internasional - ISO 37001, (SMAP) - ISO 37001 standards, which includes programs
yang meliputi program dan prosedur untuk mengatasi and procedures to address corruption, kickbacks, fraud,
praktik korupsi, balas jasa (kickbacks), fraud, suap dan/ bribery, and/or gratuities. The implementation of Anti-Bribery
atau gratifikasi. Pelaksanaan SMAP di lingkup Perseroan Management System within the Company is based on the
berlandaskan pada prinsip “SAY YES TO 6 NO'S”, principle of “SAY YES TO 6 NO'S”, as illustrated in the
sebagaimana digambarkan pada bagan berikut: following diagram:
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Tata Kelola Perusahaan
Corporate Governance
Pembentukan Satuan Tugas Sistem Manajemen Establishment of Anti-Bribery Management
Anti-Penyuapan (SMAP) Sebagai Implementasi System (SMAP) Task Force as Implementation of
dari ISO 37001:2016 ISO 37001:2016
Dalam rangka mencegah terjadinya tindak pidana korupsi In order to prevent corruption and bribery practices that
dan suap yang bertentangan dengan prinsip korporasi sehat, contradict the principles of sound corporate governance,
Perseroan membentuk Fungsi Kepatuhan Anti Penyuapan the Company established an Anti-Bribery Compliance
(FKAP) untuk menjalankan Sistem Manajemen Anti- Function (ABCF) to do the Anti-Bribery Management System
Penyuapan (SMAP) berdasarkan Surat Keputusan Direksi (SMAP), based on the Decree of the Board of Directors
No. 013/FIF/SK-DIR/HOD/VII/2024 Unit kerja ini memiliki No. 013/FIF/SK-DIR/HOD/VII/2024. This work unit has the
tugas dan tanggung jawab sebagai berikut: following duties and responsibilities:
1. Kemampuan untuk memimpin, merencanakan dan 1. The ability to lead, plan and evaluate the activities of the
mengevaluasi kegiatan penerapan Sistem Manajemen implementation of the Anti-Bribery Management System
Anti Penyuapan agar berjalan secara efektif dan efisien to effectively and efficiently according to organizational
sesuai kebutuhan organisasi dan standar yang berlaku. needs and applicable standards.
2. Kemampuan untuk mengidentifikasi dan mengevaluasi 2. The ability to identify and evaluate risks as well as to
resiko dari dan untuk mencegah, mendeteksi, dan prevent, detect, and respond to bribery activities.
menanggapi terhadap penyuapan.
Program dan Prosedur Mengatasi Praktik Korupsi Programs and Procedures to Address Corruption
dan Penyuapan and Bribery Practices
Komitmen Perseroan dalam memberantas praktik KKN dan The Company's commitment to eradicating Corruption,
penyuapan diwujudkan melalui penyusunan program dan Collusion, and Nepotism and bribery practices is realized
prosedur internal yang ditetapkan bagi setiap unit kerja through the drafting of internal programs and procedures
serta telah disesuaikan dengan bidang kerja masing-masing, that are set for each work unit and have been adjusted to
di antaranya: their respective work fields, including:
1. Pedoman Penerapan Strategi Anti Fraud 1. Anti-Fraud Strategy Implementation Guidelines
2. Pakta Integritas 2. Integrity Pact
3. Pakta Anti Fraud 3. Anti-Fraud Pact
4. Implementasi Awareness 4. Awareness Implementation
5. Edukasi/Pelatihan 5. Education/Training
Perseroan juga meminta pernyataan komitmen dari semua The Company also requests a statement of commitment from
karyawan untuk tidak melakukan praktik korupsi dan all employees not to engage in corruption or bribery practices
penyuapan serta tidak melakukan pelanggaran terhadap and not to violate the company's internal regulations.
peraturan internal perusahaan.
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Pelatihan atau Sosialisasi Anti Korupsi dan Anti-Corruption and Anti-Bribery Training
Anti Penyuapan Kepada Internal & Eksternal or Dissemination to Internal and External
Perusahaan Tahun 2024 Stakeholders of the Company in 2024
Pada tahun 2024, Perseroan telah melaksanakan sejumlah In 2024, the Company has organized a number of training
kegiatan pelatihan dan/atau sosialisasi yang bertujuan untuk and/or dissemination aimed at enhancing employees'
meningkatkan pemahaman karyawan mengenai program understanding of anti-corruption and anti-bribery programs,
anti-korupsi dan penyuapan, antara lain: including:
Topik Pelatihan atau Sosialisasi Kategori Peserta Penyelenggara Tanggal Pelaksanaan
Topic of Training or Dissemination Category of Participant Organizer Date of Implementation
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 26 Januari 2024
Penyuapan untuk BJODP 54 Internal Employees Management January 26, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for BJODP 54 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 28 Februari 2024
Penyuapan untuk CRSHDP Batch 1 Internal Employees Management February 28, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for CRSHDP Batch 1 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 1 Maret 2024
Penyuapan untuk SHDP Support Batch 1 Internal Employees Management March 1, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for SHDP Support Batch 1 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 7 Maret 2024
Penyuapan untuk MODP Batch 3 Internal Employees Management March 7, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for MODP Batch 3 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 19 Maret 2024
Penyuapan untuk MFSHDP Batch 4 Internal Employees Management March 19, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for MFSHDP Batch 4 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 21 Maret 2024
Penyuapan untuk BLDP Batch 1 Internal Employees Management March 21, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for BLDP Batch 1 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 21 Maret 2024
Penyuapan untuk RHDP 1 Internal Employees Management March 21, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for RHDP 1 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 1 April 2024
Penyuapan “LAPORKAN GRATIFIKASI” Internal Employees Management April 1, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery “REPORT GRATIFICATION” Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 5 April 2024
Penyuapan “LAPORKAN GRATIFIKASI” Internal Employees Management April 5, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery “REPORT GRATIFICATION” Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 20 April 2024
Penyuapan untuk Management Trainee (MT) Internal Employees Management April 20, 2024
Head Office Batch 3 Anti-Fraud Management
Training & Dissemination on Anti-Corruption Department
and Anti-Bribery for Management Trainee (MT)
Head Office Batch 3
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Tata Kelola Perusahaan
Corporate Governance
Topik Pelatihan atau Sosialisasi Kategori Peserta Penyelenggara Tanggal Pelaksanaan
Topic of Training or Dissemination Category of Participant Organizer Date of Implementation
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 26 April 2024
Penyuapan untuk SHDP CRD Internal Employees Management April 26, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for SHDP CRD Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 29 April 2024
Penyuapan untuk MODP 7 Internal Employees Management April 29, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for MODP 7 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 14 Mei 2024
Penyuapan untuk BJODP 55 Internal Employees Management May 14, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for BJODP 55 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 17 Mei 2024
Penyuapan untuk RHDP 2 Internal Employees Management May 17, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for RHDP 2 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 20 Mei 2024
Penyuapan untuk BLDP Batch 2 Internal Employees Management May 20, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for BLDP Batch 2 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 5 Juni 2024
Penyuapan untuk MODP Internal Batch 2 Internal Employees Management June 5, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for MODP Internal Batch 2 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 7 Juni 2024
Penyuapan untuk SHDP Support Batch 2 Internal Employees Management June 7, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for SHDP Support Batch 2 Department
Sosialisasi SMAP untuk Vendor & Mitra Kerja Eksternal Vendor & Mitra Departemen Anti Fraud 11 Juni 2024
Dissemination of SMAP for Vendors & Kerja Management June 11, 2024
Business Partners External Vendors & Anti-Fraud Management
Business Partners Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 4 Agustus 2024
Penyuapan untuk SHDP Batch 4 Internal Employees Management August 4, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for SHDP Batch 4 Department
Sosialisasi Pengenalan Anti Fraud, Korupsi, & Eksternal Vendor & Mitra Departemen Anti Fraud 7 Oktober 2024
SMAP dilingkungan sejak dini sekolah Kerja Management October 7, 2024
Dissemination on Introduction to Anti-Fraud, External Vendors & Anti-Fraud Management
Corruption, & SMAP in Schools Business Partners Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 21 Oktober 2024
Penyuapan untuk MODP Batch 17 Internal Employees Management October 21, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for MODP Batch 17 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 19 November 2024
Penyuapan untuk BLDP 31 Internal Employees Management November 19, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for BLDP 31 Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 26 November 2024
Penyuapan untuk SHDP FINATRA Internal Employees Management November 26, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for SHDP FINATRA Department
Training & Sosialisasi Anti Korupsi dan Anti Internal Karyawan Departemen Anti Fraud 3 Desember 2024
Penyuapan untuk BJODP 58 Internal Employees Management December 3, 2024
Training & Dissemination on Anti-Corruption Anti-Fraud Management
and Anti-Bribery for BJODP 58 Department
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Penyediaan Dana untuk Kegiatan Sosial dan
Kegiatan Politik
Provision of Funds for Social and Political Activities
Perseroan memiliki kebijakan tertulis yang secara tegas The Company has a written policy that strictly prohibits
melarang keterlibatan individu atas nama Perseroan individuals from engaging in political activities on behalf of
dalam kegiatan politik, termasuk memberikan donasi the Company, including making political donations. However,
untuk kepentingan politik. Di luar konteks kampanye outside the context of political campaigns, the Company
politik, Perseroan tetap menjalankan segala bentuk continues to organize Corporate Social Responsibility (CSR)
aktivitas Tanggung Jawab Sosial Perusahaan (Corporate activities as a means of sustainable contribution and positive
Social Responsibility/”CSR”) sebagai wujud kontribusi impact for stakeholders.
berkelanjutan dan pemberian dampak positif bagi para
pemangku kepentingan.
Melalui Program FIF Peduli, Perseroan membagikan Through the FIF Peduli Program, the Company distributes
donasi sebagai salah satu bentuk kegiatan CSR baik donations as part of its CSR initiatives, either at the
atas inisiatif Perseroan sendiri ataupun atas permintaan Company’s own initiative or at the request of joint programs.
pihak program bersama dan diberikan khususnya kepada Donations are primarily allocated to communities around
masyarakat sekitar Perseroan, organisasi, lembaga, atau the Company, organizations, institutions, or other relevant
pihak lainnya. Pemberian donasi kepada pihak penerima parties. The selection of donation recipients is based
manfaat ditentukan berdasarkan skala prioritas yang dibagi on priority levels, categorized as high, medium, low, or
ke dalam kategori tinggi, sedang, rendah, dan tidak masuk non-priority. The following factors are considered by the
prioritas. Beberapa faktor yang menjadi dasar pertimbangan Company when providing donations:
bagi Perseroan dalam memberikan donasi, antara lain:
1. Memperhatikan aspek keberlanjutan yang sesuai dengan 1. Alignment with sustainability aspects in accordance with
Sustainable Development Goals (SDGs); the Sustainable Development Goals (SDGs);
2. Tepat sasaran dan sesuai kebutuhan; 2. Targeted and needs-based approach;
3. Dikoordinasikan dan dikomunikasikan dengan afiliasi 3. Coordination and communication with Company affiliates
Perseroan agar tidak ada duplikasi; to avoid duplication;
4. Selektif dan dievaluasi dengan memperhatikan tujuan 4. Selective evaluation, taking into account the purpose
dan reputasi pihak atau organisasi/lembaga yang and reputation of the requesting party/organization, in
mengajukan proposal, berdasarkan ketentuan ISO accordance with ISO 37001, as follows:
37001, sebagai berikut:
a. Nilai bantuan dibagi menjadi dua, nilai bantuan < a. Donation values are divided into two categories:
Rp25 juta dan >Rp25 juta. less than Rp25 million and more than Rp25 million.
b. Dilakukan survey ke lokasi pemberi proposal untuk b. On-site surveys are organized to validate needs.
melihat langsung kebutuhannya dan validasi.
c. Jika bantuan yang diberikan >Rp25 juta, perlu dilakukan c. For donations exceeding Rp25 million, an Integrity
pengisian Formulir Integrity Due Diligence (IDD). Due Diligence (IDD) Form must be completed.
d. Memastikan bahwa perusahaan serta pemilik dan/ d. Ensuring that the company, its owners, and/
atau pengurusnya tidak termasuk dalam daftar or management are not listed on any domestic
negatif list yang diterbitkan oleh lembagalembaga or international sanction lists issued by
yang berwenang baik dalam skala domestik maupun authorized institutions.
internasional.
e. Konsultasi kepada Fungsi Kepatuhan Anti Penyuapan d. Consultation with the Anti-Bribery Compliance Function.
(FKAP).
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5. Ketersediaan dana (sesuai budget). 5. Availability of funds (as per the budget).
a. Pada tahun 2024, Perseroan telah mendistribusikan a. In 2024, the Company has distributed a total donation
donasi sebesar Rp20.737.742.416 yang terdiri of Rp20,737,742,416, consisting of Rp9,883,332,768
dari Rp9.883.332.768 dana konvensional dan in conventional funds and Rp10,854,409,648 in
Rp10.854.409.648 dana sosial syariah. Semangat sharia social funds. The Company’s commitment
Perseroan untuk terus memberikan dampak to creating a positive impact on society, the
positif kepada masyarakat, lingkungan dan environment, and debtors is further detailed in the
debitur dijelaskan lebih lanjut pada Bab Laporan 2024 Sustainability Report.
Keberlanjutan Tahun 2024.
Kebijakan Penanganan Keluhan Konsumen
Policy of Consumer Complaint Handling
Komitmen Pemberian Layanan Prima Kepada Commitment to Providing Excellent Service to
Konsumen Consumers
Perseroan berkomitmen untuk terus meningkatkan kualitas The Company is committed to continuously improving the
layanan prima kepada seluruh konsumen, baik secara quality of service to all consumers, both conventionally at
konvensional di kantor-kantor cabang maupun digital, branch offices and digitally, by offering convenience and
dengan menawarkan kenyamanan dan keamanan dalam security in transactions. Various efforts that have been made
bertransaksi. Berbagai upaya yang telah dilakukan Perseroan by the Company consistently in providing the best service to
secara konsisten dalam memberikan pelayanan terbaik consumers in every business activity are an embodiment of
kepada konsumen pada setiap kegiatan bisnisnya the spirit of TEAM culture (Teamwork, Excellence, Achieving,
merupakan pengejawantahan dari semangat budaya TEAM and Moving Forward), which in this context emphasizes the
(Teamwork, Excellence, Achieving, and Moving Forward), value of “Excellence”.
yang dalam konteks ini ditekankan pada nilai “Excellence”.
Dengan memberikan pelayanan prima, Perseroan berupaya By providing excellent service, the Company aims to achieve
untuk mencapai kepuasan konsumen dalam bertransaksi high levels of consumer satisfaction in transactions which
yang tinggi dimana hal ini diyakini sebagai kunci sukses yang is believed to be the key to success that drives business
mendorong keberlangsungan bisnis pada jangka panjang. sustainability in the long term. Therefore, the Company
Oleh karena itu, Perseroan terus berupaya menjaga loyalitas continues to strive to maintain consumer loyalty by providing
konsumen dengan menyediakan layanan yang profesional professional and responsive services through FIFGROUP
dan cepat tanggap melalui aplikasi FIFGROUP Mobile Mobile Customer (FMC) application and Fiona-Virtual
Customer (FMC) dan Fiona-Virtual Customer Service chatbot, Customer Service chatbot, accessible via multichannel
yang dapat diakses dari aplikasi multichannel, seperti platforms, such as WhatsApp, Facebook Messenger,
WhatsApp, Facebook Messenger, Telegram, Instagram dan Telegram, Instagram and the Company's official website
laman web resmi perseroan (https://fifgroup.co.id). FMC dan (https://fifgroup.co.id). FMC and Fiona virtual customer
virtual customer service Fiona siap melayani konsumen service are ready to serve consumers for 24 hours every
selama 24 jam setiap harinya. Selain itu, Perseroan juga day. In addition, the Company provides several other service
menyediakan beberapa kontak poin layanan lain yang contact points that are easily accessible to consumers,
mudah diakses oleh konsumen, seperti: including:
• Contact Center HALOFIF: 1500-343(FIF) • HALOFIF Contact Center: 1500-343 (FIF)
• Email: halofif@fifgroup.astra.co.id • Email: halofif@fifgroup.astra.co.id
• Akun media sosial FIFCLUB yang dapat diakses melalui • FIFCLUB social media accounts that can be accessed
Facebook, Instagram, X, TikTok, dan YouTube. through Facebook, Instagram, X, TikTok, and YouTube.
• Layanan HALOFIF dan media sosial FIFCLUB tersedia • HALOFIF services and FIFCLUB social media accounts
pada hari Senin-Minggu pukul 08.00-21.00 WIB. are available Monday to Sunday from 08:00 to 21:00 WIB.
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Selain mengoptimalkan kanal pengaduan di atas, Konsumen Apart from optimizing these complaint channels, Consumers
juga dapat secara langsung menyampaikan pengaduan di can also directly submit complaints at the Company’s branch
kantor cabang Perseroan, di mana pengaduan akan diterima offices, in which the complaints will be handled by the
oleh Customer Relation Executive (CRE). Apabila Konsumen Customer Relation Executive (CRE). If the service provided
menganggap pelayanan dari kantor cabang tidak sesuai by the branch office does not meet the agreed-upon solution,
dengan solusi yang disepakati kedua belah pihak, Konsumen Consumers may submit their complaints to the Company’s
dapat menyampaikan pengaduan ke kantor pusat Perseroan head office through the Integrated Self Service (ISS) at
melalui Integrated Self Service (ISS) yang ada di kantor the branch office. The Company also accepts complaints
cabang. Perseroan juga menerima pengaduan keluhan submitted through mass media (both print and electronic),
yang disampaikan melalui media massa (baik cetak maupun the FSA Consumer Protection Portal Application (APPK), or
elektronik), Aplikasi Portal Perlindungan Konsumen (APPK) letters addressed to either the Company’s branch offices
OJK, ataupun surat yang dialamatkan ke kantor cabang or head office.
maupun kantor pusat Perseroan.
Selain berfokus pada kualitas penanganan pengaduan, In addition to focusing on complaint handling quality, the
Perseroan juga terus berusaha menciptakan pengalaman Company strives to create the best consumer experience
terbaik kepada konsumen dengan mengatur customer by organizing customer journey management, in which
journey management, di mana Perseroan telah menerapkan the Company has implemented policies at branch offices
kebijakan di kantor cabang yang mendorong pemberian that encourage effective and efficient service through the
layanan secara efektif dan efisien melalui penerapan ISS ISS System, allowing a separation of reservation and non-
System, dengan ISS, Perseroan dapat menerapkan sistem reservation queues, as well as special queues for the elderly
pemisahan antrian reservasi dan non-reservasi, maupun and people with disabilities. The ISS System also provides a
antrian khusus lansia dan penyandang disabilitas. ISS juga queue booking service that can be done through the FMC
menyediakan layanan pemesanan antrian yang dapat application to shorten consumer waiting time at branch
dilakukan melalui aplikasi FMC guna mempersingkat waktu offices. Meanwhile, to ease the buildup of queues at branch
tunggu konsumen di kantor cabang. Sementara itu, untuk offices, non-reservation consumers are directed to scan the
mengurangi penumpukan antrian di kantor cabang, para ISS QR code to obtain a queue number.
konsumen non-reservasi juga diarahkan untuk memindai
QR code dari ISS untuk mengambil nomor antrian.
Komitmen untuk memberikan pelayanan terbaik kepada The commitment to provide the best service to all consumers
seluruh konsumen sekaligus mencerminkan kepatuhan also reflects the Company's compliance with consumer
Perseroan terhadap regulasi perlindungan konsumen, yaitu protection regulations, including POJK No. 22 Year 2022
POJK No. 22 Tahun 2022 tentang Pelindungan Konsumen on Consumer and Community Protection in the Financial
dan Masyarakat di Sektor Jasa Keuangan dan POJK No. 18/ Services Sector and POJK No. 18/POJK.07/2018 on Consumer
POJK.07/2018 tentang Layanan Pengaduan Konsumen di Complaint Services in the Financial Services Sector.
Sektor Jasa Keuangan.
Prosedur Penanganan Pengaduan Konsumen Procedure of Consumers Complaint Handling
Solusi penyelesaian pengaduan konsumen pada lingkup The settlement of consumer complaints within the Company
Perseroan dilakukan sesuai dengan Service Level is completed in accordance with the established Service
Agreement (SLA) yang telah ditetapkan. Prosedur dan Level Agreement (SLA). The procedures and standards for
standar penanganan pengaduan dipastikan telah disusun complaint handling have been designed based on POJK
dengan mengacu kepada POJK No. 22 Tahun 2023 tentang No. 22 Tahun 2023 concerning Consumer and Community
Pelindungan Konsumen dan Masyarakat di Sektor Jasa Protection in the Financial Services Sector, as follows:
Keuangan, yaitu sebagai berikut:
1. Konsumen menyampaikan pengaduan melalui media 1. Consumers submit complaints through channels
yang disediakan Perseroan. provided by the Company.
2. Perseroan akan melakukan verifikasi atas kesesuaian 2. The Company verifies the consumer’s information.
data konsumen/pelapor.
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3. Perseroan akan menginformasikan kekurangan dokumen 3. The Company notifies any lack of complaint documents
pengaduan (jika ada), dan konsumen akan mendapatkan (if any), allowing consumers 20 (twenty) working days
waktu selama 10 (sepuluh) hari kerja untuk melengkapi to complete them.
kekurangan dokumen.
4. Perseroan akan mencatatkan pengaduan konsumen jika 4. The Company records consumer complaints if all
seluruh dokumen dan pengaduan konsumen memenuhi documents meet requirements. Consumers will receive
persyaratan dan konsumen akan mendapatkan notifikasi a notification containing the complaint receipt date
tanggal penerimaan pengaduan dan nomor registrasi and a complaint registration number (if documents are
pengaduan ( jika terdapat kekurangan dokumen) dan incomplete) or complaint ticket number (if all documents
nomor tiket pengaduan ( jika semua dokumen lengkap). are complete).
5. Perseroan akan menindaklanjuti dan menyelesaikan 5. The Company follows up and resolves complaints within
pengaduan konsumen dalam jangka waktu 5 (lima) hari 5 (five) working days (for verbal complaints) or 20 (twenty)
kerja (untuk pengaduan yang disampaikan secara lisan) working days (for written complaints).
atau 10 (sepuluh) hari kerja (untuk pengaduan yang
disampaikan secara tertulis).
6. Apabila tidak terdapat kesepakatan dalam penyelesaian 6. If no agreement is reached, consumers may escalate
pengaduan, konsumen dapat melanjutkan pelaporan the complaint to the Alternative Dispute Resolution
pengaduan ke Lembaga Alternatif Penyelesaian Institution for Financial Services Sector (LAPS SJK) for
Sengketa Sektor Jasa Keuangan (LAPS SJK) untuk mediation, arbitration, or binding opinions, in accordance
mendapatkan mediasi, arbitrase maupun pendapat with applicable regulations.
mengikat sesuai ketentuan yang berlaku.
Informasi dan Dokumen yang Dibutuhkan untuk Information and Documents Required for
Menyampaikan Pengaduan Submitting a Complaint
Berikut ini adalah informasi dan dokumen yang wajib The following are the information and documents that
disampaikan oleh konsumen ketika menyampaikan consumers are required to submit when submitting
pengaduan: a complaint:
1. Data identitas konsumen/pelapor (terdiri dari Nama, NIK/ 1. Consumer/reporter identity data (Name, ID/ID Card
No KTP, Tempat dan Tanggal Lahir) Number, Place and Date of Birth).
2. Nomor handphone konsumen/pelapor 2. Consumer/reporter’s phone number.
3. Nomor kontrak konsumen 3. Consumer contract number.
4. Kronologis permasalahan yang diadukan 4. Chronology of the reported issue.
5. Jika pengaduan disampaikan oleh perwakilan konsumen/ 5. If the complaint is submitted by a Consumer/
pelapor maka ditambahkan: reporter representative:
a. Data identitas perwakilan konsumen/pelapor (terdiri a. Consumer representative’s identity data (Name, ID/
dari Nama, NIK/No KTP, Tempat dan Tanggal Lahir, ID Card Number, Place and Date of Birth, relationship
hubungan dengan konsumen/ pelapor); to consumer/reporter);
b. Data identitas konsumen/pelapor yang diwakilkan b. Consumer/reporter’s identity data being represented
(terdiri dari Nama, NIK/No KTP, Tempat dan Tanggal (Name, ID/ID Card Number, Place and Date of Birth);
Lahir); dan and
c. Surat Kuasa dari konsumen/pelapor. c. Power of Attorney from the consumer/reporter.
6. Nomor handphone perwakilan konsumen/pelapor ( jika 6. Consumer representative’s phone number (if the
pengaduan dibatalkan) complaint is canceled)
Dokumen yang dibutuhkan: Required Documents:
1. KTP Konsumen/Pelapor 1. Consumer/Reporter ID Card
2. KTP Perwakilan Konsumen/Pelapor ( jika diwakilkan) 2. Consumer representative’s ID Card (if applicable)
3. Dokumen pendukung yang berkaitan dengan 3. Supporting documents related to the complaint.
pengaduan.
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Berdasarkan POJK 22 Tahun 2023 tentang Pelindungan According to POJK 22 of 2023 on Consumer and Community
Konsumen dan Masyarakat di Sektor Jasa Keuangan, Protection in the Financial Services Sector, complaints may
Pengaduan dapat ditolak apabila: be rejected if:
1. Konsumen dan/atau Perwakilan Konsumen tidak 1. Consumers and/or Consumer representatives fail to
melengkapi persyaratan dokumen sesuai dengan jangka complete document requirements within the specified
waktu yang telah ditetapkan (10 hari kerja). timeframe (10 working days).
2. Pengaduan sebelumnya telah diselesaikan oleh 2. Previous complaints have been resolved by the
Perseroan sesuai dengan Peraturan Otoritas Jasa Company according to Financial Services Authority
Keuangan (OJK). (FSA) regulations.
3. Pengaduan tidak terkait dengan kerugian dan/atau 3. Complaints are not related to reasonable, direct material
potensi kerugian materiil, wajar, dan secara langsung losses or potential losses as stated in the agreement
sebagaimana tercantum dalam perjanjian dan/atau and/or documents related to the use of the product and/
dokumen pemanfaatan produk dan/atau layanan. or service.
4. Pengaduan tidak terkait dengan pemanfaatan produk 4. Complaints are not related to the use of products and/
dan/atau layanan yang dikeluarkan oleh Perseroan. or services issued by the Company.
5. Pengaduan sedang dalam proses atau telah diputus 5. Complaints are currently under legal proceedings or
oleh lembaga peradilan secara perdata. has been adjudicated by the court in a civil case.
Publikasi Penanganan Pengaduan Publication of Complaint Handling
Perseroan berkomitmen untuk terus melakukan perbaikan The Company is committed to continuously improving
berkesinambungan atas setiap pengaduan terkait produk in response to any complaints or grievances related to
dan/atau jasa yang ditawarkan kepada konsumen dengan the products and/or services offered to consumers by
menginisiasi beberapa inisiatif perbaikan. Sepanjang initiating several improvement initiatives. Throughout the
tahun pelaporan 2024, Perseroan menerima sebanyak 2024 reporting year, the Company received a total of 417
417 pengaduan pelanggan, dengan rincian sebagai berikut: consumer complaints, detailed as follows:
Selesai Dalam Proses Tidak Selesai Jumlah
Jenis Transaksi Keuangan Completed On Progress Not Completed Pengaduan
No.
Type of Financial Transactions Jumlah Persentase Jumlah Persentase Jumlah Persentase Total
Total Percentage Total Percentage Total Percentage Complaints
1 Pembiayaan Muttiguna berupa 311 78,3% 13 65% 0 0% 324
Pembelian dengan Pembayaran
secara angsuran
Multipurpose Financing in
the form of purchases with
installment payments
2 Pembiayaan lainnya yang 48 12,1% 1 5% 0 0% 49
disetujui OJK
Other financing approved by
FSA
3 Pembiayaan Modal Kerja berupa 27 6,8% 6 30% 0 0% 33
Fasilitas Modal Usaha
Working Capital financing in the
form of Business Capital Facility
4 Pembiayaan investasi berupa 11 2,8% 0 0% 0 0% 11
Pembelian dengan pembayaran
secara angsuran
Investment Financing in the form
of Purchases with installment
payments
Jumlah Pengaduan
Total Complaints 397 20 0 417
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Corporate Governance
Integritas Pelaporan dan Sistem Teknologi
Informasi
Integrity of Reporting and Information Technology Systems
Integritas pelaporan dan keamanan sistem teknologi The integrity of reporting and the security of information
informasi menjadi salah satu fondasi yang menentukan technology systems are one of the foundations that
efektivitas pelaksanaan kegiatan operasional dan bisnis determine the effectiveness of the implementation of
sehari-hari. Oleh karena itu, Perseroan telah merancang daily operational and business activities. Therefore, the
dan menerapkan tata kelola teknologi informasi sesuai Company has designed and implemented information
dengan kaidah best practice serta juga mengacu pada technology governance in accordance with best practice
ketentuan POJK No. 4/POJK.05/2021 tentang Penerapan principles and in compliance with the provisions of POJK
Manajemen Risiko Dalam Penggunaan Teknologi Informasi No. 4/POJK.05/2021 concerning the Implementation of
Oleh Lembaga Jasa Keuangan Non-Bank. Risk Management in the Use of Information Technology by
Non-Bank Financial Institutions.
Implementasi manajemen TI yang memadai menjadi salah The implementation of adequate IT is one of the supports
satu pendukung dalam ketersediaan dan kecukupan in the availability and adequacy of reporting on financial
pelaporan atas kinerja keuangan dan non-keuangan and non-financial performance accurately, completely
secara akurat, lengkap, dan transparan kepada regulator. and transparently to regulators. The Company’s efforts
Upaya Perseroan dalam menjaga integritas pelaporan juga to maintain the integrity of reporting are also believed to
dipercaya dapat meningkatkan kepercayaan para pemangku enhance stakeholders' trust. Furthermore, the availability
kepentingan. Ketersediaan pelaporan internal yang memadai of adequate internal reporting contributes to improving the
juga berkontribusi pada peningkatan kualitas pengambilan quality of decision-making and more effective supervision.
keputusan dan pengawasan yang lebih efektif.
Program Kepemilikan Saham oleh Karyawan dan/
atau Manajemen
Employee and/or Management Share Ownership Program
Sampai dengan akhir tahun 2024, Perseroan belum As of the end of 2024, the Company has not yet
memiliki program kepemilikan saham oleh karyawan dan/ implemented a share ownership program for employees
atau manajemen. and/or management.
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Kebijakan Pengungkapan Saham Anggota Direksi
dan Dewan Komisaris
Disclosure Policy on Share Ownership by Members of the Board of Directors and
Board of Commissioners
Perseroan mewajibkan seluruh anggota Direksi dan Dewan The Company requires all members of the Board of Directors
Komisaris untuk mengungkapkan transparansi informasi and Board of Commissioners to disclose transparent
terkait kepemilikan saham dan status hubungan afiliasi information regarding share ownership and affiliation
sebagaimana yang diatur pada Pasal 43 POJK No. 29 Tahun status, as regulated under Article 43 of POJK No. 29/2020,
2020, yaitu: which includes:
1. Kepemilikan saham yang mencapai 50% (lima puluh 1. Share ownership of 50% (fifty percent) or more in a
persen) atau lebih di perusahaan tempat anggota Direksi company where the respective Director holds a
dimaksud menjabat dan/atau pada perusahaan lain yang position and/or in other companies located domestically
berkedudukan di dalam dan di luar negeri. or internationally.
2. Hubungan keuangan dan hubungan keluarga dengan 2. Financial and familial relationships with other members of
anggota Direksi lain, anggota Dewan Komisaris, dan/ the Board of Directors, the Board of Commissioners, and/
atau Pemegang Saham Perusahaan tempat anggota or Shareholders of the company where the respective
Direksi dimaksud menjabat. Director holds a position.
Sebagai perusahaan yang tidak memperdagangkan As the Company does not trade its shares publicly, no
sahamnya kepada publik, maka tidak terdapat anggota members of the Board of Commissioners and Board of
Dewan Komisaris dan Direksi yang tercatat sebagai Directors are registered as shareholders of the Company.
pemegang saham Perseroan.
Praktik Bad Governance
Bad Governance Practice
Sepanjang tahun 2024, tidak terdapat kegiatan atau indikasi Throughout 2024, there were no activities or indications
yang mengarah pada praktik bad corporate governance leading to bad corporate governance practices within the
di lingkungan Perseroan yang dinilai dapat mengganggu Company that could disrupt the implementation of GCG or
sistem penerapan GCG dan menimbulkan risiko reputasi pose reputational or other risks to the Company.
ataupun risiko lainnya bagi Perseroan.
Pedoman Peraturan Perdagangan Efek
Securities Dealing Rules Policies
Dalam menjalankan usahanya, Perseroan tunduk pada In conducting its business, the Company adheres to Astra
kebijakan Astra Group dan juga mematuhi regulasi Group policies and complies with binding regulations
yang bersifat mengikat bagi Emiten, seperti Securities for Issuers, such as the Securities Dealing Rules, which
Dealing Rules (Peraturan Perdagangan Efek) yang khusus specifically apply to the Company’s Commissioners,
diberlakukan bagi Komisaris, Direktur, Karyawan Perseroan. Directors, and Employees. The formulation of this policy
Penyusunan kebijakan tersebut telahs disesuaikan aligns with capital market regulations and considers the
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dengan ketentuan pasar modal dan memperhatikan protection of employees and Astra from potential violations
aspek perlindungan bagi karyawan dan Astra dari of applicable laws as well as possible claims or allegations
potensi pelanggaran atas ketentuan perundangan yang of misconduct.
berlaku dan juga dari kemungkinan munculnya klaim atau
tuntutan pelanggaran.
Pedoman Securities Dealing Rules ini secara jelas The Securities Dealing Rules explicitly regulate the prohibited
mengatur pihak yang dilarang dan pihak terkait yang tidak parties and their related persons that are not allowed from
diperkenankan melakukan dealing selama periode tertutup; dealing during a black out period and/or when in possession
dan/atau ketika memiliki informasi orang dalam. Pihak yang of inside information. Prohibited parties and their related
dilarang dan pihak terkait hendaknya melakukan dealing parties are encouraged to engage in long-term dealings
jangka panjang dan tidak melakukan dealing jangka pendek. and refrain from short-term dealings.
Definisi informasi orang dalam pada Pedoman Securities Definition of inside information under the Securities
Dealing Rules adalah informasi yang: Dealing Rules:
• Tidak tersedia untuk umum; • Not available to the public;
• Berhubungan, langsung atau tidak langsung, dengan • Directly or indirectly related to the Company and/or one
Perseroan dan/atau satu atau lebih Perusahaan or more Controlled Companies; and
Terkendali; dan
• Dapat mempengaruhi harga efek Emiten Grup Astra. • Can affect the price of securities of Astra Group Issuers.
Sementara itu, definisi Orang Dalam pada Pedoman Definition of an Insider under the Securities Dealing Rules:
Securities Dealing Rules adalah:
a. Komisaris, direktur, atau karyawan Emiten atau a. Commissioners, Directors, or Employees of the Issuer
Perusahaan Publik; or Public Company;
b. Pemegang saham utama Emiten atau Perusahaan Publik; b. Majority shareholders of the Issuer or Public Company;
c. Orang perorangan yang karena kedudukan atau c. Individuals who, due to their position, profession, or
profesinya atau karena hubungan usahanya dengan business relationship with the Issuer or Public Company,
Emiten atau Perusahaan Publik memungkinkan orang have access to inside information; or
tersebut memperoleh informasi orang dalam; atau
d. Pihak yang dalam waktu 6 (enam) bulan terakhir tidak d. Parties who, within the last six (6) months, no longer
lagi menjadi Pihak sebagaimana dimaksud dalam huruf hold the status mentioned in points a-c.
a-c) di atas.
Penjelasan mengenai periode tertutup di dalam pada Definition of the black out period under the Securities
Pedoman Securities Dealing Rules adalah: Dealing Rules:
• Dalam waktu 60 (enam puluh) hari sebelum pengumuman • Within sixty (60) days prior to the announcement of the
laporan keuangan tahunan oleh Emiten Grup Astra; annual financial report by Astra Group Issuers;
• Dalam waktu 30 (tiga puluh) hari sebelum pengumuman • Within thirty (30) days prior to the announcement of the
laporan keuangan kuartalan oleh Emiten Grup Astra. quarterly financial report by Astra Group Issuers.
Jangka pendek adalah jangka waktu 12 (dua belas) bulan Short-term is a period of 12 (twelve) months or less.
atau kurang sedangkan definisi pihak terkait terdiri dari: Meanwhile, the definition of related persons includes:
• Suami/istri Direktur, Komisaris, dan Karyawan; • Spouses of Directors, Commissioners, and Employees;
• Anak direktur, Komisaris, dan Karyawan; • Children of Directors, Commissioners, and Employees;
• Setiap individu atau badan hukum yang dikendalikan • Any individual or legal entity controlled by Directors,
oleh Direktur, Komisaris dan Karyawan, baik yang dimiliki Commissioners, and Employees, either individually or
oleh mereka sendiri maupun bersama-sama dengan jointly with their spouses.
suami/istri mereka.
Sedangkan definisi pihak yang dilarang adalah Direktur, The prohibited parties refer to Directors, Commissioners,
Komisaris dan karyawan. and Employees.
Laporan Tahunan | Annual Report 2024
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PT Federal International Finance
Page 364
LAPORAN KEBERLANJUTAN
SUSTAINABILITY REPORT
Untuk mematuhi ketentuan POJK No. In adherence to OJK Regulation No. 51/
51/POJK.03/2017 tentang Penerapan POJK.03/2017 on Sustainable Finance
Keuangan Berkelanjutan Bagi Lembaga Jasa Implementation for Financial Institutions,
Keuangan, Emiten, dan Perusahaan Publik Issuers, and Public Companies, as updated
sebagaimana telah diperbaharui melalui by SEOJK No. 16/SEOJK.04/2021 on the
SEOJK No. 16/SEOJK.04/2021 tentang Form and Content of Annual Reports, a
Bentuk dan Isi Laporan Tahunan, ulasan comprehensive review of CSR programs
lengkap mengenai program dan kegiatan and activities, along with other sustainability
CSR serta aspek keberlanjutan lainnya yang aspects actualized by FIFGROUP, is available
diaktualisasikan oleh FIFGROUP dapat dilihat in the 2024 Sustainability Report. This report
pada Laporan Keberlanjutan 2024. Laporan is an integral part of the Annual Report.
Keberlanjutan merupakan satu kesatuan dan Stakeholders can access and download the
tak terpisahkan dari Laporan Tahunan ini. Company’s Annual Report and Sustainability
Pemangku Kepentingan dapat mengakses Report, available in both languages, via the
dan mengunduh Laporan Tahunan dan Investor Relations page on the website www.
Laporan Keberlanjutan Perseroan yang fifgroup.co.id.
tersedia dalam 2 (dua) bahasa melalui laman
Hubungan Investor pada situs web www.
fifgroup.co.id.
Laporan Tahunan | Annual Report 2024
364
PT Federal International Finance
Page 365
Tata Kelola Perusahaan
Corporate Governance
Laporan Tahunan | Annual Report 2024
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PT Federal International Finance
Page 366
Laporan Tahunan | Annual Report 2024
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PT Federal International Finance
Page 367
Tata Kelola Perusahaan
Corporate Governance
Laporan
Keuangan
Audit
Audited Financial
Statements
07
Laporan Tahunan | Annual Report 2024
PT Federal International Finance
367
Page 368
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PT FEDERAL INTERNATIONAL FINANCE LAPORAN KEUANGAN/ FINANCIAL STATEMENTS 31 DESEMBER 2024 DAN 2023/ 31 DECEMBER 2024 AND 2023
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PT FEDERAL INTERNATIONAL FINANCE
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
ASET ASSETS
Kas dan setara kas: Cash and cash equivalents:
- Pihak ketiga 2d,2e,4 303,968 602,352 Third parties -
- Pihak berelasi 2v,4,26 212 10,087 Related parties -
304,180 612,439
Piutang pembiayaan konsumen - Consumer financing receivables -
setelah dikurangi penyisihan kerugian net of allowance for impairment
penurunan nilai sebesar Rp 2.883.115 2d,2f, losses of Rp 2,883,115
(2023: Rp 2.825.680) 2g,2i,5 39,902,300 33,793,190 (2023: Rp 2,825,680)
Aset yang diperoleh untuk ijarah - Asset acquired for ijarah -
setelah dikurangi akumulasi penyusutan net of accumulated
sebesar Rp 8.617.329 depreciation of Rp 8,617,329
(2023: Rp 2.904.745) 2i,7 3,681,599 3,064,456 (2023: Rp 2,904,745)
Piutang lain-lain - setelah dikurangi Other receivables - net of
penyisihan kerugian penurunan allowance for impairment
nilai sebesar Rp 44.770 losses of Rp 44,770
(2023: Rp 37.975): (2023: Rp 37,975):
- Pihak ketiga 2d,2g,2k,6 182,892 102,671 Third parties -
- Pihak berelasi 2v,6,26 167,719 89,510 Related parties -
350,611 192,181
Beban dibayar dimuka: Prepayments:
- Pihak ketiga 2j,8 130,676 145,920 Third parties -
- Pihak berelasi 2v,8,26 666 1,578 Related parties -
131,342 147,498
Klaim atas restitusi pajak 2s,12a 11,844 55,178 Claim for tax refund
Aset derivatif 2d,2r,16 197,590 195,833 Derivative assets
Investasi pada entitas asosiasi 2c,10,26 37,257 57,559 Investment in associate
Aset pajak tangguhan - bersih 2s,12d 208,939 297,040 Deferred tax assets - net
Aset tetap - setelah dikurangi Fixed assets - net of
akumulasi penyusutan accumulated depreciation
sebesar Rp 2.271.072 of Rp 2,271,072
(2023: Rp 2.020.545) 2l,2x,9,26 855,549 753,520 (2023: Rp 2,020,545)
JUMLAH ASET 45,681,211 39,168,894 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Utang penyalur kendaraan: Dealer payables:
- Pihak ketiga 2d,27b 164,387 409,089 Third parties -
- Pihak berelasi 2v,26 5,952 486 Related parties -
170,339 409,575
Utang premi asuransi: 2d,2v Insurance premium payables:
- Pihak berelasi 26,27c 505,821 533,460 Related party -
Akrual 2d,11 533,044 636,123 Accruals
Utang pajak: Taxes payable:
- Pajak penghasilan badan 2s,12b 335,051 371,975 Corporate income taxes -
- Pajak lain-lain 12b 73,977 81,600 Other taxes -
409,028 453,575
Utang lain-lain: Other payables:
- Pihak ketiga 2d,13 116,817 122,307 Third parties -
- Pihak berelasi 2v,13,26 95,266 54,889 Related parties -
212,083 177,196
Liabilitas derivatif 2d,2r,16 6,398 13,717 Derivative liabilities
Pinjaman 2d,2w,14 22,736,202 17,171,913 Borrowings
Surat berharga yang diterbitkan: 2d,2t Securities issued:
- Obligasi 15 8,620,483 8,215,088 Bonds -
Liabilitas imbalan kerja 2m,25 312,100 267,191 Employee benefit obligations
JUMLAH LIABILITAS 33,505,498 27,877,838 TOTAL LIABILITIES
Catatan atas laporan keuangan merupakan bagian yang tidak The accompanying notes form an integral part of these
terpisahkan dari laporan keuangan. financial statements.
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PT FEDERAL INTERNATIONAL FINANCE
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
EKUITAS EQUITY
Modal saham - nilai nominal Share capital with par value
Rp 1.000 per saham Rp 1,000 per share
(Rupiah penuh) (full Rupiah amount)
Modal dasar - 300.000.000 saham Authorised - 300,000,000 shares
Modal ditempatkan dan disetor Issued and fully paid
penuh - 280.000.000 saham 17 280,000 280,000 - 280,000,000 shares
Tambahan modal disetor - Additional paid in capital -
divestasi entitas pengendali 17 36,020 36,020 divestment under common control
Cadangan lindung nilai arus kas 2r,16 (5,566) 10,383 Cash flow hedges reserve
Saldo laba: Retained earnings:
- Sudah ditentukan
penggunaannya 18 12,100 11,100 Appropriated -
- Belum ditentukan
penggunaannya 11,853,159 10,953,553 Unappropriated -
JUMLAH EKUITAS 12,175,713 11,291,056 TOTAL EQUITY
JUMLAH LIABILITAS TOTAL LIABILITIES
DAN EKUITAS 45,681,211 39,168,894 AND EQUITY
Catatan atas laporan keuangan merupakan bagian yang tidak The accompanying notes form an integral part of these
terpisahkan dari laporan keuangan. financial statements.
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PT FEDERAL INTERNATIONAL FINANCE
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
PENGHASILAN INCOME
Penghasilan pembiayaan konsumen 2f, 2i,2o,19 9,499,097 9,014,722 Consumer financing income
Penghasilan dari ijarah - bersih 2o,22 2,449,745 1,188,823 Income from ijarah - net
Penghasilan bunga dan denda 2o,20,26 181,794 196,297 Interest and penalty income
Penghasilan lain-lain 21 23,268 16,642 Other income
Jumlah penghasilan 12,153,904 10,416,484 Total income
BEBAN EXPENSES
Beban usaha 2o,2v,23,26 (2,945,353) (2,496,902) Operating expenses
Beban bunga dan keuangan 2o,24,26 (2,095,510) (1,579,495) Interest and financing charges
Penyisihan kerugian penurunan Allowance for impairment
nilai pembiayaan konsumen 2g,5 (1,058,091) (810,138) losses of consumer financing
Rugi entitas asosiasi 10,26 (20,282) (20,605) Loss from investment in associate
Beban penurunan nilai lain-lain 2g,6 (363,281) (235,891) Other impairment charges
Jumlah beban (6,482,517) (5,143,031) Total expenses
LABA SEBELUM PAJAK PENGHASILAN 5,671,387 5,273,453 PROFIT BEFORE INCOME TAX
BEBAN PAJAK PENGHASILAN 2s,12c (1,255,853) (1,166,062) INCOME TAX EXPENSE
LABA BERSIH 4,415,534 4,107,391 NET INCOME
(KERUGIAN)/PENGHASILAN OTHER COMPREHENSIVE
KOMPREHENSIF LAIN: (LOSS)/INCOME:
Pos-pos yang tidak akan direklasifikasi Items that will not be reclassified
ke laba rugi to profit or loss
Pengukuran kembali atas liabilitas Remeasurements from
imbalan kerja 25 (446) 3,816 employee benefit obligations
Pajak penghasilan terkait 12d 98 (839) Related income tax
Pengukuran kembali atas liabilitas Remeasurements from employee
imbalan kerja - entitas asosiasi (26) 57 benefit obligations - associate
Pajak penghasilan terkait - entitas asosiasi 6 (13) Related income tax- associate
Pos-pos yang akan direklasifikasi Items that will be reclassified
ke laba rugi to profit or loss
Cadangan lindung nilai arus kas 2r (20,448) 34,983 Cash flow hedge reserve
Pajak penghasilan terkait 12d 4,499 (7,696) Related income tax
(KERUGIAN)/PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE (LOSS)/
LAIN TAHUN BERJALAN, INCOME FOR THE YEAR,
SETELAH PAJAK (16,317) 30,308 NET OF TAX
JUMLAH PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN BERJALAN, INCOME FOR THE YEAR,
SETELAH PAJAK 4,399,217 4,137,699 NET OF TAX
LABA BERSIH PER SAHAM DASAR BASIC EARNINGS PER SHARE
(Rupiah penuh) 2u,29 15,770 14,669 (full Rupiah amount)
Catatan atas laporan keuangan merupakan bagian yang tidak The accompanying notes form an integral part of these
terpisahkan dari laporan keuangan. financial statements.
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PT FEDERAL INTERNATIONAL FINANCE
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Modal Tambahan modal
ditempatkan disetor – Divestasi
dan disetor entitas pengendali/ Cadangan Saldo laba yang Saldo laba yang
penuh/ Additional Paid In lindung nilai sudah ditentukan belum ditentukan
Issued and Capital - Divestment arus kas/ penggunaannya/ penggunaannya/
Catatan/ fully paid Under Common Cash flow Appropriated Unappropriated Jumlah/
Notes share capital Control hedges reserve retained earnings retained earnings Total
Saldo 1 Januari 2023 280,000 36,020 (16,904) 10,100 10,812,301 11,121,517 Balance as at 1 January 2023
Jumlah penghasilan komprehensif Total comprehensive income
tahun berjalan, setelah pajak for the year, net of tax
- Laba tahun berjalan - - - - 4,107,391 4,107,391 Profit for the year -
- Penghasilan komprehensif lain: Other comprehensive income: -
- Cadangan lindung nilai Cash flow hedge -
arus kas - - 27,287 - - 27,287 reserve
- Pengukuran kembali atas Remeasurements from -
liabilitas imbalan kerja - - - - 3,021 3,021 employment benefit obligations
- - 27,287 - 4,110,412 4,137,699
Penyisihan untuk cadangan wajib 18 - - - 1,000 (1,000) - Appropriation for statutory reserves
Dividen final 2022 2n,17 - - - - (2,648,240) (2,648,240) 2022 final dividend
Dividen interim 2023 2n,17 - - - - (1,319,920) (1,319,920) 2023 interim dividend
Saldo 31 Desember 2023 280,000 36,020 10,383 11,100 10,953,553 11,291,056 Balance as at 31 December 2023
Jumlah penghasilan komprehensif Total comprehensive income
tahun berjalan, setelah pajak for the year, net of tax
- Laba tahun berjalan - - - - 4,415,534 4,415,534 Profit for the year -
- Penghasilan komprehensif lain: Other comprehensive income: -
- Cadangan lindung nilai Cash flow hedge -
arus kas setelah pajak - - (15,949) - - (15,949) reserve, net of tax
- Pengukuran kembali atas Remeasurements from -
liabilitas imbalan kerja - - - - (368) (368) employment benefit obligations
- - (15,949) - 4,415,166 4,399,217
Penyisihan untuk cadangan wajib 18 - - - 1,000 (1,000) - Appropriation for statutory reserves
Dividen final 2023 2n,17 - - - - (2,787,400) (2,787,400) 2023 final dividend
Dividen interim 2024 2n,17 - - - - (727,160) (727,160) 2024 interim dividend
Saldo 31 Desember 2024 280,000 36,020 (5,566) 12,100 11,853,159 12,175,713 Balance as at 31 December 2024
Catatan atas laporan keuangan merupakan bagian yang tidak terpisahkan dari laporan keuangan. The accompanying notes form an integral part of these financial statements.
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PT FEDERAL INTERNATIONAL FINANCE
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
OPERASI OPERATING ACTIVITIES
Penerimaan kas dari: Cash received from:
Konsumen 56,371,571 52,019,698 Consumers
Pembiayaan bersama Joint financing
without recourse 356,222 629,484 without recourse
Pendapatan bunga 19,000 22,145 Interest income
Pinjaman karyawan 18,465 14,455 Employee loans
Lain-lain 178,618 95,545 Others
56,943,876 52,781,327
Pengeluaran kas untuk: Cash disbursements for:
Pembayaran kepada penyalur
kendaraan (45,773,267) (41,925,202) Payments to dealers
Pembayaran pembiayaan bersama Payments of joint financing
without recourse (623,333) (1,064,230) without recourse
Pembayaran premi asuransi Payment of customer
konsumen (835,509) (745,964) insurance premium
Operating expenses and
Beban usaha dan biaya penerbitan related cost for initiation
pembiayaan konsumen (8,415,957) (6,796,493) of consumer financing
Beban bunga dan keuangan (2,051,599) (1,600,728) Interest and finance charge
Pinjaman karyawan (26,104) (16,968) Employee loans
Lain-lain (184,608) (180,755) Others
(57,910,377) (52,330,340)
Pembayaran pajak penghasilan badan (1,200,078) (1,101,953) Payments of corporate income taxes
Arus kas bersih digunakan untuk Net cash flows used in
aktivitas operasi (2,166,579) (650,966) operating activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
INVESTASI INVESTING ACTIVITIES
Proceeds from
Hasil dari penjualan aset tetap 9 2,422 536 sale of fixed assets
Pembayaran aset hak-guna 9 (144,605) (126,825) Payment of right-of-use assets
Pembelian aset tetap 9 (343,501) (303,766) Purchase of fixed assets
Arus kas bersih digunakan untuk Net cash flows used in
aktivitas investasi (485,684) (430,055) investing activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
PENDANAAN FINANCING ACTIVITIES
Penerimaan pinjaman bank 158,139,575 67,730,068 Proceeds from bank loans
Pelunasan pinjaman bank (152,598,547) (65,362,435) Repayment of bank loans
Hasil penerbitan surat berharga 15 4,500,000 5,100,000 Proceeds from issuance of securities
Pelunasan utang surat berharga (4,097,260) (2,339,229) Repayment of securities
Pembayaran biaya penerbitan Payment of securities
surat berharga (10,999) (16,862) issuance costs
Pembayaran sewa 31 (73,497) (67,653) Payment of lease
Pembayaran dividen kas 17 (3,514,560) (3,968,160) Payment of cash dividend
Arus kas bersih diperoleh dari Net cash flows provided by
aktivitas pendanaan 2,344,712 1,075,729 financing activities
Catatan atas laporan keuangan merupakan bagian yang tidak The accompanying notes form an integral part of these
terpisahkan dari laporan keuangan. financial statements.
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PT FEDERAL INTERNATIONAL FINANCE
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
Penurunan bersih Net decrease in
kas dan setara kas (307,551) (5,292) cash and cash equivalents
Penyesuaian atas selisih Foreign exchanges
kurs dalam kas dan adjustment in cash
setara kas 24 (708) (508) and cash equivalents
Kas dan setara kas Cash and cash equivalents
pada awal tahun 612,439 618,239 at beginning of year
Kas dan setara kas Cash and cash equivalents
pada akhir tahun 4 304,180 612,439 at end of year
Kas dan setara kas terdiri dari: Cash and cash equivalents consist of:
Kas 4 70,648 53,034 Cash on hand
Bank Cash in bank
- Pihak ketiga 4 233,320 549,318 Third parties -
- Pihak berelasi 26 212 10,087 Related parties -
Jumlah kas dan setara kas 304,180 612,439 Total cash and cash equivalents
Catatan atas laporan keuangan merupakan bagian yang tidak The accompanying notes form an integral part of these
terpisahkan dari laporan keuangan. financial statements.
Halaman - 4/2 - Page
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
Pendirian dan Informasi Umum Establishment and General Information
PT Federal International Finance (“Perseroan”) PT Federal International Finance (the “Company")
didirikan di Jakarta pada tanggal 1 Mei 1989 dengan was incorporated in Jakarta on 1 May 1989 as
nama PT Mitrapusaka Artha Finance berdasarkan PT Mitrapusaka Artha Finance based on notarial
akta notaris Rukmasanti Hardjasatya, S.H., No. 1, deed No. 1 of Rukmasanti Hardjasatya, S.H., which
yang kemudian diubah dengan akta No. 40 tanggal was subsequently amended by notarial deed No. 40
26 Juni 1989 oleh notaris yang sama. dated 26 June 1989 of the same notary.
Anggaran Dasar Perseroan disetujui oleh The Articles of Association were approved by the
Menteri Kehakiman dalam Surat Keputusan Ministry of Justice in its decision letter
No. C2-6728.HT.01.01.Th.89 tanggal 27 Juli 1989. No. C2-6728.HT.01.01.Th.89 dated 27 July 1989.
Selanjutnya, Rapat Umum Pemegang Saham Luar Subsequently, the Company’s Extraordinary Annual
Biasa Perseroan tanggal 21 Oktober 1991 telah General Shareholders Meeting dated 21 October
menyetujui perubahan nama Perseroan menjadi 1991 approved the amendment of the Company’s
PT Federal International Finance. Perubahan nama name to PT Federal International Finance. This
ini disetujui oleh Menteri Kehakiman amendment was approved by the Ministry of Justice
Republik Indonesia dalam Surat Keputusan of the Republic of Indonesia in its decision letter
No. C2-6464.HT.01.04.Th.91 tanggal 7 November No. C2-6464.HT.01.04.Th.91 dated 7 November
1991. Anggaran Dasar Perseroan telah beberapa 1991. The Company’s Articles of Association have
kali mengalami perubahan, termasuk dengan been amended several times, including amendment
keputusan Rapat Umum Pemegang Saham Luar by the result of the Extraordinary General Meeting of
Biasa tertanggal 6 Juli 2015 yang berita acaranya Shareholders on 6 July 2015 which was notarised by
diaktakan dengan akta notaris No. 13 tanggal notaris Linda Herawati, S.H., in notarial deed No. 13
4 Agustus 2015 dari notaris Linda Herawati, S.H., dated 4 August 2015, whereby the shareholders
pemegang saham juga melakukan perubahan decided to amend the Article of Association to align it
anggaran dasar guna menyesuaikan dengan with Otoritas Jasa Keuangan Regulation (“POJK”)
ketentuan dalam Peraturan Otoritas Jasa Keuangan No. 29/POJK.05/2014 concerning The
(“POJK”) No. 29/POJK.05/2014 tentang Implementation of Finance Companies and
Penyelenggaraan Usaha Perusahaan Pembiayaan POJK No. 30/POJK.05/2014 concerning Good
dan POJK No. 30/POJK.05/2014 tentang Tata Kelola Corporate Governance for Finance Companies. This
Perusahaan yang Baik bagi Perusahaan change has caused amendment of the Articles of
Pembiayaan. Perubahan ini menyebabkan Association. The amendment of this Articles of
perubahan Anggaran Dasar Perseroan. Perubahan Association was approved by the Minister of Law and
Anggaran Dasar ini telah disetujui oleh Menteri Human Rights of the Republic of Indonesia through
Hukum dan Hak Asasi Manusia its letter No. AHU-0940641.AH.01.02.TAHUN 2015
Republik Indonesia melalui surat keputusan dated 14 August 2015. Furthermore, the Company
No. AHU-0940641.AH.01.02.TAHUN 2015 tanggal also made amendment to the provisions of Article 12
14 Agustus 2015. Selanjutnya Perseroan juga of the Articles of Association based on the
melakukan perubahan ketentuan Pasal 12 anggaran Extraordinary General Meeting of Shareholders
dasar dengan keputusan Rapat Umum Pemegang resolution dated 24 February 2017, which was
Saham Luar Biasa tertanggal 24 Februari 2017 yang notarised in notarial deed of Linda Herawati, S.H.,
berita acaranya diaktakan dengan akta notaris Linda No. 76 dated 22 March 2017. The amendment has
Herawati, S.H., No. 76 tanggal 22 Maret 2017. been received and recorded by the Legal Entity
Perubahan tersebut telah diterima dan dicatat Sistem Administration System of the Minister of Law and
Administrasi Badan Hukum Kementerian Hukum dan Human Rights of the Republic of Indonesia through a
Hak Asasi Manusia Republik Indonesia melalui surat letter of receipt of notification of amendment to the
penerimaan pemberitahuan perubahan anggaran articles of association No. AHU-AH.01.03-0122914
dasar No. AHU-AH.01.03-0122914 tanggal 31 Maret dated 31 March 2017.
2017.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Pendirian dan Informasi Umum (lanjutan) Establishment and General Information
(continued)
Sesuai dengan Anggaran Dasar Perseroan, maksud Based on the Company’s Articles of Association, the
dan tujuan Perseroan adalah menjalankan kegiatan Company’s purpose and objectives are to engage as a
usaha dalam bidang Lembaga Pembiayaan dan Finance Company in providing general consumer
Pembiayaan berdasarkan prinsip Syariah, dengan financing and financing based on Sharia principles,
ruang lingkup kegiatan yang meliputi: with the scope of activities which includes the following:
1. Menjalankan kegiatan usaha pembiayaan 1. To provide investment financing;
investasi;
2. Menjalankan kegiatan usaha pembiayaan modal 2. To provide working capital financing;
kerja;
3. Menjalankan kegiatan usaha pembiayaan 3. To provide multi-purpose financing;
multiguna;
4. Menjalankan kegiatan usaha sewa operasi 4. To provide financing for operating lease and/or
(operating lease) dan/atau kegiatan berbasis fee; fee based activity;
5. Menjalankan kegiatan usaha pembiayaan 5. To provide sharia financing contract which cover
syariah meliputi pembiayaan jual beli, trade financing, investment financing, and service
pembiayaan investasi, dan/atau pembiayaan financing based on sharia principle; and
jasa yang dilakukan dengan menggunakan akad
berdasarkan prinsip syariah; dan
6. Menjalankan kegiatan usaha pembiayaan lain 6. To provide other financing facilities subject to
berdasarkan persetujuan Otoritas Jasa Financial Services Authority’s (“OJK”) approval.
Keuangan (“OJK”).
Perseroan memperoleh izin usaha sebagai The Company obtained its license as a finance
perusahaan pembiayaan berdasarkan Surat company based on the decision letters
Keputusan Menteri Keuangan No. 1151/KMK.013/ No. 1151/KMK.013/1989 of the Ministry of Finance
1989 tanggal 17 Oktober 1989 dan dated 17 October 1989 and No. 1004/KMK.013/1990
No. 1004/KMK.013/1990 tanggal 30 Agustus 1990 dated 30 August 1990 and started its commercial
dan memulai operasi komersialnya pada tahun 1989. operations in 1989. Currently, the Company is mainly
Saat ini, Perseroan terutama bergerak dalam bidang engaged in consumer financing activities.
pembiayaan konsumen.
Kantor pusat Perseroan berlokasi di Menara FIF, The Company’s head office is located at Menara FIF,
Jalan TB Simatupang Kav.15, Cilandak, Jakarta Jalan TB Simatupang Kav.15, Cilandak, Jakarta
12440, Indonesia dan pada tanggal 31 Desember 12440, Indonesia and as at 31 December 2024 has
2024 memiliki 250 kantor cabang (2023: 248 kantor 250 branch offices (2023: 248 branch offices)
cabang) (tidak diaudit) yang berlokasi, antara lain, di (unaudited) and which are located, among others, in
Makassar, Banjarmasin, Medan, Palembang, Makassar, Banjarmasin, Medan, Palembang,
Semarang, Yogyakarta, Surabaya, Denpasar, Kediri, Semarang, Yogyakarta, Surabaya, Denpasar, Kediri,
Jember, Bandung dan lain-lain. Jember, Bandung and others.
Entitas induk langsung Perseroan adalah PT Astra The Company’s immediate parent Company is
International Tbk, perusahaan yang berdomisili di PT Astra International Tbk, a company incorporated
Indonesia, sedangkan entitas induk utama Perseroan in Indonesia and its ultimate parent company is
adalah Jardine Matheson Holdings Limited, Jardine Matheson Holdings Limited, a company
perusahaan yang berdomisili di Bermuda. incorporated in Bermuda.
PT Astra International Tbk merupakan pemegang PT Astra International Tbk is the controlling
saham utama dari Perseroan. shareholder of the Company.
Pada tanggal 31 Desember 2024, Perseroan As at 31 December 2024, the Company has a total of
memiliki 14.134 karyawan (2023: 13.801 karyawan) 14,134 employees (2023: 13,801 employees)
(tidak diaudit). (unaudited).
Halaman - 5/2 - Page
Page 385
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Surat berharga yang diterbitkan Securities issued
a. Obligasi a. Bonds
Selama beberapa tahun, Perseroan telah Throughout the years, the Company has issued
menerbitkan surat berharga dan pada tanggal securities and as at 31 December 2024 and
31 Desember 2024 dan 2023, surat berharga 2023, securities issued that are still outstanding
yang diterbitkan yang masih terutang adalah are as follows:
sebagai berikut:
Tanggal
pencatatan di
Jumlah yang Bursa Efek
diterbitkan/ Indonesia/
Amount Listing date on
Obligasi/ issued Tanggal efektif/ the Indonesia Perjanjian Perwaliamanatan/
Bonds (Rp) Effective date Stock Exchange Trusteeship Agreements
Obligasi Berkelanjutan Tahap I/ 27 Mei/ Tahap I/ Tahap I: No. 14 tanggal 17 Mei 2021/
V/ Phase I: May 2021 Phase I: Phase I: No. 14 dated 17 May 2021
Continuance Bonds V 1,500,000 (No. S-70/D.04/2021) 9 Juni/
June 2021
Tahap II/ Tahap II/ Tahap II: No. 06 tanggal 8 Oktober 2021/
Phase II: Phase II: Phase II: No. 06 dated 8 October 2021
1,750,000 28 Oktober/
October 2021
Tahap III/ Tahap III/ Tahap III: No. 10 tanggal 9 Maret 2022/
Phase III: Phase III: Phase III: No. 10 dated 9 March 2022
2,000,000 28 Maret/
March 2022
Tahap IV/ Tahap IV/ Tahap IV: No. 01 tanggal 12 Oktober 2022/
Phase IV: Phase IV: Phase IV: No. 01 dated 12 October 2022
1,177,000 31 Oktober/
October 2022
Tahap V/ Tahap V/ Tahap V: No. 01 tanggal 08 Februari 2023 /
Phase V: Phase V: Phase V: No. 01 dated 08 February 2023
3,000,000 27 Februari/
February 2023
Obligasi Berkelanjutan Tahap I/ 27 Juni/ Tahap I/ Tahap I: No. 57 tanggal 23 Juni 2023/
VI/ Phase I: June 2023 Phase I: Phase I: No. 57 dated 23 June 2023
Continuance Bonds VI 1,000,000 (No. S-163/D.04/2023) 12 Juli/
July 2023
Tahap II/ Tahap II/ Tahap II: No. 15 tanggal 27 Oktober 2023/
Phase II: Phase II: Phase II: No. 15 dated 27 October 2023
1,100,000 17 November
2023
Tahap III/ Tahap III/ Tahap III: No. 15 tanggal 13 Maret 2024/
Phase III: Phase III: Phase III: No. 15 dated 13 March 2024
2,000,000 3 April 2024
Tahap IV/ Tahap IV/ Tahap IV: No. 11 tanggal 20 Agustus 2024/
Phase IV: Phase IV: Phase IV: No. 11 dated 20 August 2024
2,500,000 9 September 2024
Hasil penerbitan, Obligasi Berkelanjutan V The proceeds, Continuance Bonds V Phase I
Tahap I Tahun 2021, Obligasi Berkelanjutan V Year 2021, Continuance Bonds V Phase II Year
Tahap II Tahun 2021, Obligasi Berkelanjutan V 2021, Continuance Bonds V Phase III Year
Tahap III Tahun 2022, Obligasi Berkelanjutan V 2022, Continuance Bonds V Phase IV Year
Tahap IV Tahun 2022, Obligasi Berkelanjutan V 2022, Continuance Bonds V Phase V Year 2023,
Tahap V Tahun 2023, Obligasi Berkelanjutan VI Continuance Bonds VI Phase I Year 2023,
Tahap I Tahun 2023, Obligasi Berkelanjutan VI Continuance Bonds VI Phase II Year 2023,
Tahap II Tahun 2023, Obligasi Berkelanjutan VI Continuance Bonds VI Phase III Year 2024, and
Tahap III Tahun 2024, dan Obligasi Continuance Bonds VI Phase IV Year 2024 net
Berkelanjutan VI Tahap IV Tahun 2024 tersebut of issuance costs were used by the Company for
di atas setelah dikurangi dengan biaya-biaya working capital (consumer financing).
emisi dipergunakan oleh Perseroan sebagai
modal kerja (pembiayaan konsumen).
Halaman - 5/3 - Page
Page 386
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Surat berharga yang diterbitkan (lanjutan) Securities issued (continued)
a. Obligasi (lanjutan) a. Bonds (continued)
Obligasi Berkelanjutan V Tahap I Tahun 2021, Continuance Bonds V Phase I Year 2021,
Obligasi Berkelanjutan V Tahap II Tahun 2021, Continuance Bonds V Phase II Year 2021,
Obligasi Berkelanjutan V Tahap III Tahun 2022, Continuance Bonds V Phase III Year 2022,
Obligasi Berkelanjutan V Tahap IV Tahun 2022, Continuance Bonds V Phase IV Year 2022,
Obligasi Berkelanjutan V Tahap V Tahun 2023, Continuance Bonds V Phase V Year 2023,
Obligasi Berkelanjutan VI Tahap I Tahun 2023, Continuance Bonds VI Phase I Year 2023,
Obligasi Berkelanjutan VI Tahap II Tahun 2023, Continuance Bonds VI Phase II Year 2023,
Obligasi Berkelanjutan VI Tahap III Tahun 2024, Continuance Bonds VI Phase III Year 2024, and
dan Obligasi Berkelanjutan VI Tahap IV Tahun Continuance Bonds VI Phase IV Year 2024 were
2024 ditawarkan dengan harga nominal pada offered at par value in the primary market.
pasar perdana.
Lihat Catatan 15 untuk rincian surat berharga Refer to Note 15 for details of the securities
yang diterbitkan, termasuk saldo dan informasi issued, including outstanding balance and
jatuh tempo. maturity date.
Entitas Asosiasi Associate
Perseroan dan Koperasi Federal International The Company and Koperasi Federal International
Finance 2000 telah mendirikan anak perusahaan Finance 2000 has established a subsidiary, with the
yang bernama PT Astra Digital Arta (“ADA”) name PT Astra Digital Arta (“ADA”) based on notarial
berdasarkan akta notaris Mahendra Adinegara, S.H., deed of Mahendra Adinegara, S.H., M.Kn, No. 06
M.Kn, No. 06 tanggal 5 Juni 2018. Akta pendirian ini dated 5 June 2018. The establishment has been
telah disetujui oleh Menteri Hukum dan Hak Asasi approved by the Minister of Law and Human Rights
Manusia Republik Indonesia melalui Surat of the Republic Indonesia through its Decision Letter
Keputusan No. AHU-0028921.AH.01.01.TAHUN No. AHU-0028921.AH.01.01.TAHUN 2018 dated
2018 tanggal 7 Juni 2018. Anggaran Dasar ADA 7 June 2018. ADA’s Articles of Association have
telah beberapa kali mengalami perubahan, antara been amended several times, such as the
lain perubahan ketentuan Pasal 1 terkait nama dan amendment to the provisions of Article 1 regarding
tempat kedudukan ADA, sebagaimana tertuang the name and domicile of ADA, based on the notarial
dalam Akta dari notaris Sudiono Abady, S.H., No. 6 deed of Sudiono Abady, S.H., No. 6 dated
tanggal 25 Januari 2021. Perubahan Anggaran 25 January 2021. The amendment of this Articles of
Dasar ini telah disetujui oleh Menteri Hukum dan Hak Association was approved by the Minister of Law and
Asasi Manusia Republik Indonesia melalui surat Human Rights of the Republic of Indonesia through
keputusan No. AHU-0005231.AH.01.02.TAHUN letter No. AHU-0005231.AH.01.02.TAHUN 2021
2021 tanggal 27 Januari 2021. Setelah itu ADA dated 27 January 2021. Furthermore ADA has made
melakukan perubahan ketentuan Pasal 4 ayat 2 amendment to the provisions of Article 4 paragraph 2
Anggaran Dasar sebagaimana tertuang dalam Akta of the Articles of Association based on the notarial
dari notaris Gibson Thomasyadi, S.H., No. 18 tanggal deed of Gibson Thomasyadi, S.H., No. 18 dated
28 Juni 2021. Perubahan Anggaran Dasar ini telah 28 June 2021. The amendment of this Articles of
dicatat oleh Menteri Hukum dan Hak Asasi Manusia Association was registered by the Minister of Law
Republik Indonesia melalui surat No. AHU-AH.01.03- and Human Rights of the Republic of Indonesia
0402234 dan AHU-AH.01.03-0402237 tanggal through letter No. AHU-AH.01.03-0402234 and AHU-
28 Juni 2021. Kemudian, ADA melakukan perubahan AH.01.03-0402237 dated 28 June 2021. Then, ADA
ketentuan Pasal 4 ayat 1 dan 2 Anggaran Dasar made amendment to the provisions of Article 4
terkait perubahan modal dasar Perseroan, paragraph 1 and 2 of the Articles of Association
sebagaimana tertuang dalam Akta dari notaris related to changes in the authorised capital of the
Gibson Thomasyadi, S.H., No. 20 tanggal 30 Juni Company, based on the notarial deed of Gibson
2021. Thomasyadi, S.H., No. 20 dated 30 June 2021.
Halaman - 5/4 - Page
Page 387
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Entitas Asosiasi (lanjutan) Associate (continued)
Perubahan Anggaran Dasar ini telah disetujui oleh The amendment of this Articles of Association was
Menteri Hukum dan Hak Asasi Manusia Republik approved by the Minister of Law and Human Rights
Indonesia melalui surat keputusan No. AHU- of the Republic of Indonesia through letter No. AHU-
0037216.AH.01.02.TAHUN 2021 tanggal 30 Juni 0037216.AH.01.02. TAHUN 2021 dated 30 June
2021. Kemudian ADA melakukan perubahan 2021. Then, ADA made amendment to the provisions
ketentuan Pasal 11 ayat 1 dan 12 ayat 2 Anggaran of Article 11 paragraph 1 and Article 12 paragraph 2
of the Articles of Association based on the notarial
Dasar sebagaimana tertuang dalam Akta dari notaris deed of Gibson Thomasyadi, S.H., No. 17 dated
Gibson Thomasyadi, S.H., No. 17 tanggal 26 November 2021. The amendment of this Articles
26 November 2021. Perubahan Anggaran Dasar ini of Association was notified to the Minister of Law and
telah diberitahukan kepada Menteri Hukum dan Hak Human Rights of the Republic of Indonesia as stated
Asasi Manusia Republik Indonesia sebagaimana on letter No. AHU-AH.01.03-0478785 dated
tertuang dalam surat keputusan No. AHU-AH.01.03- 29 November 2021.
0478785 tanggal 29 November 2021.
Berdasarkan perubahan anggaran dasar tertanggal Based on the amendment to the Articles of
30 Juni 2021, Perseroan melakukan penambahan Association dated 30 June 2021, the Company
modal di ADA sebesar Rp 50.088, dan terjadi subscribed additional capital in ADA amounted to
perubahan komposisi pemegang saham ADA, Rp 50,088, and the Composition of ADA’s
dimana saham ADA dimiliki oleh Perseroan, Koperasi shareholders has changed which ADA’s shares are
Federal International Finance 2000, dan PT Sedaya owned by the Company, Koperasi Federal
International Finance 2000, and PT Sedaya Multi
Multi Investama (”SMI”), masing-masing sebesar Investama (“SMI”) at 25.00%, 2.25%, and 72.75%,
25,00%, 2,25%, dan 72,75%. Pada tanggal respectively. As at 31 December 2021, the Company,
31 Desember 2021, Perseroan, Koperasi Federal Koperasi Federal International Finance 2000, and
International Finance 2000, dan SMI telah melakukan SMI have capital injection amounted to Rp 53,500,
setoran modal masing-masing sebesar Rp 53.500, Rp 4,815, and Rp 155,685, respectively.
Rp 4.815, dan Rp 155.685.
Dengan perubahan anggaran dasar tersebut, maka With the latest amendment of the Articles of
sejak 1 Juli 2021 pengendalian Perseroan terhadap Association, since 1 July 2021 the Company’s control
ADA telah berakhir dan oleh karena itu tidak of ADA has ended and therefore there is no
dilakukan konsolidasi atas laporan keuangan ADA consolidation of the financial statements of ADA as at
pada dan untuk tahun yang berakhir tanggal and for the year ended 31 December 2021, except
31 Desember 2021, kecuali laporan laba rugi dan for statements of profit or loss and other
penghasilan komprehensif lain dan laporan arus kas comprehensive income and statements of cash flows
untuk periode enam bulan dari 1 Januari 2021 for the six-months period from 1 January 2021 to
sampai dengan 30 Juni 2021. 30 June 2021.
Transaksi divestasi penyertaan saham di ADA This divestment transaction of equity participation in
merupakan reorganisasi entitas sepengendali karena ADA is a reorganisation of entity under common
pemegang saham pengendali Perseroan dan SMI control because the controlling shareholder of the
adalah PT Astra International Tbk. Oleh karena itu, Company and SMI is PT Astra International Tbk.
transaksi divestasi ini diperlakukan berdasarkan Therefore, this divestment transaction is treated
metode penyatuan kepemilikan sesuai Pernyataan based on the pooling of ownership method in
Standar Akuntansi Keuangan (“PSAK”) 228 - accordance with Statements of Financial Accounting
“Investasi pada entitas asosiasi dan ventura Standards (“SFAS 228”) - “Investments in Associates
bersama”. Nilai tercatat aset bersih ADA pada and Joint Ventures”. Carrying value of the net assets
tanggal 30 Juni 2021 adalah sebesar Rp 5.059 of ADA as at 30 June 2021 is Rp 5,059 while its fair
sedangkan nilai wajar investasi pada ADA sebesar value is Rp 41,079. The difference between carrying
Rp 41.079. Selisih antara nilai buku dan nilai wajar value and fair value investment as at 30 June 2021 of
pada tanggal 30 Juni 2021 sebesar Rp 36.020 Rp 36,020 is recorded as additional paid in capital
dicatat sebagai tambahan modal disetor (lihat (refer to Note 17).
Catatan 17).
Halaman - 5/5 - Page
Page 388
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Entitas Asosiasi (lanjutan) Associate (continued)
Sejak 1 Juli 2021, penyertaan Perseroan terhadap Since 1 July 2021, the Company's investment in ADA
ADA dianggap sebagai penyertaan pada perusahaan is considered as investment in associate with
asosiasi dengan pengaruh signifikan, yang dicatat significant influence which is recorded using the
menggunakan metode ekuitas. equity method.
Susunan Dewan Komisaris, Direksi, Komite Composition of the Board of Commissioners,
Audit, Komite Pemantau Risiko dan Dewan Board of Directors, Audit Committee, Risk
Pengawas Syariah Monitoring Committee and Sharia Supervisory
Board
Pada tanggal 31 Desember 2024 dan 2023 susunan As at 31 December 2024 and 2023 the members of
Dewan Komisaris, Direksi, Komite Audit, Komite the Company’s Board of Commissioners, Board of
Pemantau Risiko dan Dewan Pengawas Syariah Directors, Audit Committee, Risk Monitoring
Perseroan adalah sebagai berikut: Committee and Sharia Supervisory Board are as
follows:
2024 2023
Dewan Komisaris: Board of Commissioners:
Presiden Komisaris Suparno Djasmin Suparno Djasmin President Commissioner
Komisaris Thomas Junaidi Alim Wijaya a) Johannes Loman Commissioner
Komisaris Independen R. Nunu Soetjahja Noegroho R. Nunu Soetjahja Noegroho Independent Commissioner
Komisaris Independen Gede Harja Wasistha b) - Independent Commissioner
Direksi: Board of Directors:
Presiden Direktur Siswadi c) Margono Tanuwijaya President Director
Direktur Pengembangan Sumber Daya Human Capital and
Manusia dan Pelayanan Umum Sri Harjati Sri Harjati General Services Director
Direktur Keuangan Valentina Chai Wei Li Valentina Chai Wei Li Finance Director
Direktur Operasi Setia Budi Setia Budi Operation Director
Direktur Pemasaran Daniel Hartono Daniel Hartono Marketing Director
Direktur Teknologi Informasi, Information Technology,
Pengembangan Bisnis, Business Development,
Perencanaan Perusahaan, dan Corporate Planning, and
Manajemen Risiko Indra Gunawan Indra Gunawan Risk Management Director
Komite Audit: Audit Committee:
Ketua Gede Harja Wasistha d) R. Nunu Soetjahja Noegroho Chairman
Anggota Hardi Montana e) Lindawati Gani Member
Anggota Juliani Eliza Syaftari e) Regina Okthory Sucianto Member
Komite Pemantau Risiko: Risk Monitoring Committee:
Ketua R. Nunu Soetjahja Noegroho R. Nunu Soetjahja Noegroho Chairman
Anggota Hardi Montana e) Lindawati Gani Member
Anggota Juliani Eliza Syaftari e) Regina Okthory Sucianto Member
Dewan Pengawas Syariah: Sharia Supervisory Board:
Anggota Aminudin Yakub Aminudin Yakub Member
a) Efektif setelah mendapat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Effective after obtaining the decision letter from Board of Commissioner of a)
(“OJK”) tentang hasil penilaian kemampuan dan kepatutan tanggal 26 September 2024 Financial Services Authority (“OJK”) dated 26 September 2024
b) Efektif setelah mendapat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Effective after obtaining the decision letter from Board of Commissioner of b)
(“OJK”) tentang hasil penilaian kemampuan dan kepatutan tanggal 23 September 2024 Financial Services Authority (“OJK”) dated 23 September 2024
c) Efektif setelah mendapat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Effective after obtaining the decision letter from Board of Commissioner of c)
(“OJK”) tentang hasil penilaian kemampuan dan kepatutan tanggal 19 Juli 2024 Financial Services Authority (“OJK”) dated 19 July 2024
d) Efektif terhitung sejak tanggal jabatan sebagai Komisaris Independen berlaku efektif Effective starting from the date the position as independent commissioner d)
becomes effective
e) Efektif diangkat berdasarkan Surat Keputusan Dewan Komisaris tanggal 19 April 2024 Effective appointed based on the decision letter from Board of Commissioners e)
dated 19 April 2024
Pembentukan Komite Audit Perseroan telah sesuai The establishment of the Company’s Audit
dengan POJK No. 30/POJK.05/2014 tanggal Committee is in compliance with POJK
19 November 2014 Jo. POJK No. 29/POJK.05/2020 No. 30/POJK.05/2014 dated 19 November 2014 Jo.
tanggal 29 April 2020. POJK No. 29/POJK.05/2020 dated 29 April 2020.
Halaman - 5/6 - Page
Page 389
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Susunan Dewan Komisaris, Direksi, Komite Composition of the Board of Commissioners,
Audit, Komite Pemantau Risiko dan Dewan Board of Directors, Audit Committee, Risk
Pengawas Syariah (lanjutan) Monitoring Committee and Sharia Supervisory
Board (continued)
Pembentukan Komite Pemantau Risiko telah sesuai The establishment of the Risk Monitoring Committee
dengan POJK No. 29/POJK.05/2020 tanggal 29 April is in compliance with POJK No. 29/POJK.05/2020
2020. dated 29 April 2020.
Berdasarkan Surat Keputusan Direksi No. Based on the Board of Directors’ Decision Letter No.
032/PROMO/SK-HC/XII/2022 tentang Pengangkatan 032/PROMO/SK-HC/XII/2022 regarding Appointment
Kepala Internal Audit Perseroan tanggal of Internal Audit Department Head dated
30 Desember 2022, Helly Koesdianto diangkat 30 December 2022, Helly Koesdianto is appointed as
sebagai Kepala Internal Audit Perseroan sejak the Head of Internal Audit since 1 May 2007 until
tanggal 1 Mei 2007 sampai dengan saat ini. now.
Berdasarkan Surat Keputusan Direksi No. 001/ Based on the Board of Directors’ Decision Letter
PROMO/SK-HRD/VI/2021 tentang Pengangkatan No. 001/PROMO/SK-HRD/VI/2021 regarding
Sekretaris Perusahaan tanggal 1 Juni 2021, Appointment of Corporate Secretary dated 1 June
Theodorus Indra Surya Putra diangkat sebagai 2021, Theodorus Indra Surya Putra is appointed as
Sekretaris Perseroan sejak 1 Juni 2021 sampai the Corporate Secretary since 1 June 2021 until now.
dengan saat ini.
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
INFORMATION
Laporan keuangan PT Federal International Finance The financial statements of PT Federal International
diselesaikan dan diotorisasi untuk terbit oleh Direksi Finance were completed and authorised for issuance
pada tanggal 20 Februari 2025. by the Board of Directors on 20 February 2025.
Kebijakan akuntansi material yang diterapkan dalam The material accounting policies adopted in preparing
penyusunan laporan keuangan Perseroan adalah the financial statements of the Company are set out
seperti dijabarkan di bawah ini. below.
a. Dasar penyajian laporan keuangan a. Basis of preparation of financial statements
Laporan keuangan ini telah disusun dan These financial statements have been prepared
disajikan sesuai dengan Standar Akuntansi and presented in accordance with Indonesian
Keuangan di Indonesia yang mencakup Financial Accounting Standards which comprise
Pernyataan Standar Akuntansi Keuangan of Statements of Financial Accounting Standards
("PSAK") dan Interpretasi Standar Akuntansi ("SFAS") and Interpretation of Financial
Keuangan ("ISAK") yang dikeluarkan oleh Accounting Standards (“ISFAS”) issued by the
Dewan Standar Akuntansi Keuangan Ikatan Financial Accounting Standards Board of
Akuntan Indonesia ("DSAK-IAI") dan Keputusan Indonesian Institute of Accountant (“DSAK-IAI”)
Ketua Badan Pengawas Pasar Modal dan and the Decree of Capital Market and Financial
Lembaga Keuangan (“Bapepam-LK”) (efektif Institution Supervisory Agency (“Bapepam-LK”)
1 Januari 2013, OJK telah mengambil alih fungsi (effective 1 January 2013, OJK takes over the
dari Bapepam-LK) No. KEP-347/BL/2012 function of Bapepam-LK) No. KEP-347/BL/2012
tanggal 25 Juni 2012 yang merupakan dated 25 June 2012 which is the latest change of
perubahan terakhir atas Keputusan Ketua the Decree of the Bapepam-LK No. KEP-
Bapepam-LK No. KEP-554/BL/2010 tanggal 554/BL/2010 dated 30 December 2010 and the
30 Desember 2010 dan Keputusan Ketua Decree of the Bapepam-LK No. KEP-
Bapepam-LK No. KEP-06/PM/2000 tanggal 06/PM/2000 dated 13 March 2000 on Regulation
13 Maret 2000 yaitu Peraturan No. VIII.G.7 No. VIII.G.7 regarding “Financial Statements
tentang “Pedoman Penyajian Laporan Presentation Guidelines”.
Keuangan”.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
a. Dasar penyajian laporan keuangan (lanjutan) a. Basis of preparation of financial statements
(continued)
Laporan keuangan disusun berdasarkan konsep The financial statements have been prepared
harga perolehan, kecuali untuk instrumen under the historical cost, except for derivative
derivatif yang diukur berdasarkan nilai wajar. instrument which have been measured at fair
Laporan keuangan disusun berdasarkan value. The financial statements are prepared
akuntansi berbasis akrual, kecuali laporan arus under the accrual basis of accounting, except for
kas. the statements of cash flows.
Laporan arus kas disusun dengan menggunakan The statements of cash flows are prepared
metode langsung dengan mengelompokkan arus based on the direct method by classifying cash
kas ke dalam kegiatan operasi, investasi dan flows as operating, investing and financing
pendanaan. Untuk tujuan laporan arus kas, kas activities. For the purpose of the statements of
dan setara kas mencakup kas dan kas di bank cash flows, cash and cash equivalents include
yang tidak dibatasi penggunaannya dan tidak cash on hand and cash in banks which are not
digunakan sebagai jaminan atas pinjaman. restricted and pledged as collateral for any
borrowings.
Seluruh angka dalam laporan keuangan ini All figures in the financial statements are
dibulatkan dan disajikan dalam jutaan Rupiah rounded and stated to the nearest in millions of
(“Rp”) yang terdekat, kecuali dinyatakan lain. Rupiah (“Rp”), unless otherwise specified. Refer
Lihat Catatan 2q untuk informasi mata uang to Note 2q for the information on the functional
fungsional. currency.
Untuk memberikan pemahaman yang lebih baik In order to provide further understanding of the
atas kinerja keuangan Perseroan, karena sifat financial performance of the Company, due to
dan jumlahnya yang material, beberapa item the material of their nature or amount, several
pendapatan dan beban telah disajikan secara items of income or expense have been shown
terpisah. separately.
Penyusunan laporan keuangan sesuai dengan The preparation of financial statements in
Standar Akuntansi Keuangan di Indonesia conformity with Indonesian Financial Accounting
mengharuskan penggunaan estimasi dan Standards requires the use of certain critical
asumsi. Hal tersebut juga mengharuskan accounting estimates and assumptions. It also
manajemen untuk membuat pertimbangan requires management to exercise its judgement
dalam proses penerapan kebijakan akuntansi in the process of applying the Company’s
Perseroan. Area yang kompleks atau accounting policies. The areas involving a higher
memerlukan tingkat pertimbangan yang lebih degree of judgement or complexity, or areas
tinggi atau area dimana asumsi dan estimasi where assumptions and estimates are material
dapat berdampak material terhadap laporan to the financial statements are disclosed in
keuangan diungkapkan di Catatan 3. Note 3.
Halaman - 5/8 - Page
Page 391
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
b. Perubahan pada pernyataan standar b. Changes to the statements of financial
akuntansi keuangan dan interpretasi accounting standards and interpretations of
pernyataan standar akuntansi keuangan financial accounting standards
Berikut ini adalah standar akuntansi keuangan, The followings are financial accounting
perubahan dan interpretasi standar akuntansi standards, amendments and interpretation of
keuangan yang berlaku efektif sejak 1 Januari financial accounting standards which become
2024. effective starting 1 January 2024.
- Kerangka Standar Pelaporan Keuangan - Indonesia Financial Reporting Standard
Indonesia ("KSPKI") dan perubahan Framework ("KSPKI") and amendments to
nomor PSAK dan ISAK dalam Standar SFAS and IFAS number, are effective on
Akuntansi Keuangan Indonesia 1 January 2024. KSPKI regulate the SFAS
(sebelumnya Standar Akuntansi pillars, criteria and shifting between pillars
Keuangan), berlaku efektif tanggal that apply in Indonesia, while amendments
1 Januari 2024. KSPKI mengatur pilar to SFAS and IFAS number determine the
SAK yang berlaku di Indonesia, kriteria, number for SFAS and IFAS which refering
dan perpindahan antar pilar SAK, to IFRS Accounting Standards, local
sedangkan perubahan nomor mengatur accounting standards, and sharia
ketentuan penomoran PSAK dan ISAK accounting standards;
yang mengacu pada IFRS Accounting
Standards, standar akuntansi lokal, dan
standar akuntasi syariah;
- Amendemen PSAK 201: “Penyajian - Amendments of SFAS 201 “Presentation of
Laporan Keuangan” terkait klasifikasi Financial Statements” regarding
liabilitas sebagai jangka pendek atau classification of liabilities as current or
jangka panjang; non-current;
- Amendemen PSAK 116: “Sewa” terkait - Amendments of SFAS 116 “Leases”
liabilitas sewa pada transaksi jual dan regarding lease liabilities in sale-and-lease
sewa-balik; back transactions;
- Amendemen PSAK 207 dan PSAK 107 - Amendments of SFAS 207 and SFAS 107
terkait “Pengaturan Pembiayaan “Supplier Finance Arrangements”; and
Pemasok”; dan
- Amendemen PSAK 409: “Akuntansi - Amendments of SFAS 409 “Accounting of
Zakat, Infak, dan Sedekah” dan PSAK Zakat, Infak, and Sedekah” and SFAS 401
401: “Penyajian Laporan Keuangan “Sharia Financial Statement”.
Syariah”.
Implementasi dari standar-standar tersebut tidak The implementation of the above standards did
menghasilkan perubahan substansial terhadap not result in substantial changes to the
kebijakan akuntansi Perseroan dan tidak Company's accounting policies and had no
memiliki dampak yang material terhadap laporan material impact to the financial statements for
keuangan di tahun berjalan atau tahun current or prior financial years.
sebelumnya.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
c. Prinsip - prinsip metode ekuitas c. Principles of equity method
Entitas Asosiasi Associate
Entitas asosiasi adalah seluruh entitas Associate is all entities over which the
dimana Perseroan memiliki pengaruh Company has significant influence but not
signifikan namun bukan pengendalian, control, generally accompanying a
biasanya melalui kepemilikan hak suara shareholding of between 20% and 50% of the
antara 20% dan 50%. Investasi pada entitas voting rights. Investment in associate are
asosiasi dicatat dengan metode ekuitas, accounted for using the equity method, after
setelah pada awalnya diakui pada nilai initially being recognised at cost less
perolehan dikurangi kerugian penurunan impairment losses, if any.
nilai, jika ada.
Investasi pada entitas asosiasi pada awalnya Investment in an associate is initially
diakui sebesar biaya perolehan. Biaya recognised at cost. The cost of an acquisition
perolehan diukur berdasarkan nilai wajar aset is measured at the fair value of the assets
yang diserahkan, instrumen ekuitas yang transferred, equity instruments issued or
diterbitkan atau liabilitas yang timbul atau liabilities incurred or assumed as at the date
diambil alih pada tanggal akuisisi, ditambah of exchange, plus costs directly attributable to
biaya yang berhubungan langsung dengan the acquisition. The difference between the
akuisisi. Selisih antara biaya perolehan acquisition cost and the carrying amount of
tersebut dan nilai tercatat investasi yang the disposed investment in subsidiary is
dilepas disajikan dalam pos tambahan modal presented as additional paid in capital in
disetor sesuai dengan PSAK 228 - “Investasi accordance with SFAS 228 - “Investments in
Pada Entitas Asosiasi dan Ventura Bersama”. Associates and Joint Ventures”.
Goodwill pada akuisisi entitas asosiasi Goodwill on acquisition of an associate
merupakan selisih lebih antara biaya represents the excess of the cost of
perolehan investasi pada entitas asosiasi acquisition of the associate over the
dengan bagian Perseroan atas nilai wajar Company’s share of the fair value of the
neto aset teridentifikasi dari entitas asosiasi identifiable net assets of the associate and is
dan dimasukkan dalam jumlah tercatat included in the carrying amount of the
investasi. investment.
Dalam menerapkan metode ekuitas, bagian In applying the equity method of accounting,
Perseroan atas laba rugi entitas asosiasi the Company’s share of its associate’s post-
setelah perolehan diakui dalam laporan laba acquisition profit or loss is recognised in
rugi dan penghasilan komprehensif lainnya, statements of profit or loss and other
dan bagian Perseroan atas penghasilan comprehensive income and its share of post-
komprehensif lain setelah tanggal perolehan acquisition other comprehensive income is
diakui dalam penghasilan komprehensif lain. recognised in other comprehensive income.
Perubahan dan penerimaan distribusi dari These post-acquisition movements and
entitas asosiasi setelah tanggal perolehan distributions received from an associate are
disesuaikan terhadap nilai tercatat investasi. adjusted against the carrying amounts of the
investment.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI 2. MATERIAL ACCOUNTING POLICY
MATERIAL (lanjutan) INFORMATION (continued)
c. Prinsip - prinsip metode ekuitas (lanjutan) c. Principles of equity method (continued)
Entitas Asosiasi (lanjutan) Associates (continued)
Jika bagian Perseroan atas rugi entitas When the Company’s share of the losses of
asosiasi sama dengan atau melebihi an associate equals or exceeds its interest in
kepentingannya pada entitas asosiasi, the associate, including any other unsecured
termasuk piutang tidak lancar tanpa jaminan, non-current receivables, the Company does
maka Perseroan menghentikan pengakuan not recognise further losses, unless it has
bagiannya atas rugi lebih lanjut, kecuali obligations to make or has made payments on
Perseroan memiliki kewajiban untuk behalf of the associate.
melakukan pembayaran atau telah
melakukan pembayaran atas nama entitas
asosiasi.
Keuntungan yang belum direalisasi atas Unrealised gains on transactions between the
transaksi antara Perseroan dengan entitas Company and its associate are eliminated to the
asosiasi dieliminasi sebesar bagian extent of the Company’s interest in the
Perseroan dalam entitas asosiasi tersebut. associate. Unrealised losses are also eliminated
Kerugian yang belum direalisasi juga unless the transaction provides evidence of
dieliminasi kecuali transaksi tersebut impairment of the asset being transferred. The
memberikan bukti penurunan nilai atas aset accounting policies of the associate have been
yang ditransfer. Kebijakan akuntansi entitas changed where necessary to ensure consistency
asosiasi akan disesuaikan, apabila with the accounting policies adopted by the
diperlukan, agar konsisten dengan kebijakan Company.
akuntansi Perseroan.
Dividen yang akan diterima dari entitas Dividend receivables from an associate are
asosiasi diakui sebagai pengurang jumlah recognised as reductions in the carrying
tercatat investasi. amounts of the investment.
Pada setiap tanggal pelaporan, Perseroan The Company determines at each reporting date
menentukan apakah terdapat bukti objektif whether there is any objective evidence that the
bahwa telah terjadi penurunan nilai atas investment in an associate is impaired. If any
investasi pada entitas asosiasi. Jika bukti such evidence exists, the Company calculates
tersebut ada, maka Perseroan menghitung the amount of impairment as the difference
besarnya penurunan nilai sebagai selisih between the recoverable amount of the
antara jumlah yang terpulihkan dan nilai associate and its carrying value and recognises
tercatat atas investasi pada entitas asosiasi the amount in profit or loss.
dan mengakui selisih tersebut pada laba rugi.
Selanjutnya, investasi pada entitas asosiasi Subsequently, the investment in associate is
dinyatakan sebesar biaya perolehannya dan recognised at its carrying value and adjusted for
ditambah atau dikurangi dengan bagian increased or decreased by the Company’s share
Perseroan atas laba/(rugi) bersih dan in the net income/(losses) and accumulated
akumulasi penghasilan/(rugi) komprehensif other comprehensive income/(losses) of the
lainnya perusahaan asosiasi sesuai dengan associate Company in accordance with its
jumlah persentase kepemilikan dan dikurangi percentage of ownership from the date of
dividen yang diterima sejak tanggal acquisition, less cash dividend received (if any)
perolehan (jika ada) sesuai dengan PSAK in accordance with PSAK No. 228 “Investments
No. 228 “Investasi Pada Entitas Asosiasi dan in Associates and Joint Ventures”
Ventura Bersama”.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan d. Financial instruments
Perseroan mengklasifikasikan instrumen The Company classify its financial instruments
keuangan dalam bentuk aset keuangan dan into financial assets and financial liabilities.
liabilitas keuangan.
Aset keuangan Financial assets
Aset keuangan diukur pada biaya perolehan Financial assets are measured at amortised
diamortisasi jika memenuhi kondisi sebagai cost if they meet the following conditions:
berikut:
- Aset keuangan dikelola dalam model bisnis - Financial assets are managed in a business
yang bertujuan untuk memiliki aset model that aims to have financial assets in
keuangan dalam rangka mendapatkan arus order to obtain contractual cash flow; and
kas kontraktual; dan
- Persyaratan kontraktual dari aset keuangan - The contractual terms of the financial
tersebut memberikan hak pada tanggal assets provide rights on a certain date for
tertentu atas arus kas yang diperoleh semata cash flow obtained solely from payment of
dari pembayaran pokok dan bunga (SPPI) principal and interest (SPPI) on the principal
dari jumlah pokok terutang. amount owed.
Aset keuangan diukur pada nilai wajar melalui Financial assets are measured at fair value
penghasilan komprehensif lain jika memenuhi through other comprehensive income if they
kondisi sebagai berikut: meet the following conditions:
- Aset keuangan dikelola dalam model bisnis - Financial assets are managed in a business
yang bertujuan untuk mendapatkan arus kas model that aims to obtain contractual cash
kontraktual dan menjual aset keuangan; dan flow and sell financial assets; and
- Persyaratan kontraktual dari aset keuangan - The contractual requirements of the
tersebut memenuhi kriteria SPPI. financial assets meet the SPPI criteria.
Pada saat pengakuan awal, Perseroan dapat At initial recognition, the Company may make an
membuat pilihan yang tidak dapat dibatalkan irrevocable choice to present equity instruments
untuk menyajikan instrumen ekuitas yang bukan that are not held for trading at fair value through
dimiliki untuk diperdagangkan pada nilai wajar other comprehensive income.
melalui penghasilan komprehensif lain.
Aset keuangan lainnya yang tidak memenuhi Other financial assets that do not meet the
persyaratan untuk diklasifikasikan sebagai aset requirements to be classified as financial assets
keuangan diukur pada biaya perolehan measured at amortised cost or fair value
diamortisasi atau nilai wajar melalui penghasilan through other comprehensive income, are
komprehensif lain, diklasifikasikan sebagai diukur classified as measured at fair value through
pada nilai wajar melalui laba rugi. profit or loss.
Saat pengakuan awal Perseroan dapat membuat At initial recognition, the Company can make an
penetapan yang tidak dapat dibatalkan untuk irrevocable determination to measure assets
mengukur aset yang memenuhi persyaratan that meet the requirements to be measured at
untuk diukur pada biaya perolehan diamortisasi amortised cost or fair value through other
atau nilai wajar melalui penghasilan comprehensive income at fair value through
komprehensif lain pada nilai wajar melalui laba profit or loss, if the determination eliminates or
rugi, apabila penetapan tersebut mengeliminasi significantly reduces the measurement or
atau secara signifikan mengurangi inkonsistensi recognition inconsistencies (sometimes referred
pengukuran atau pengakuan (terkadang disebut to as "accounting mismatch").
sebagai “accounting mismatch”).
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
Tingkat suku bunga efektif adalah suku bunga The effective interest rate is the interest rate that
yang secara tepat mendiskontokan estimasi arus exactly discounts the estimated future cash
kas di masa datang selama perkiraan umur dari flows through the expected life of the financial
aset keuangan atau liabilitas keuangan (atau jika assets or financial liability (or, where appropriate
lebih tepat, digunakan periode lebih singkat) use the shorter period) to the net carrying
untuk memperoleh nilai tercatat bersih pada saat amount at initial recognition. When calculating
pengakuan awal. Pada saat menghitung tingkat the effective interest rate, the Company
suku bunga efektif, Perseroan mengestimasi arus estimate future cash flows considering all
kas di masa datang dengan mempertimbangkan contractual terms of the financial instrument, but
seluruh persyaratan kontraktual dalam instrumen does not consider any future credit losses.
keuangan tersebut, namun tidak
mempertimbangkan kerugian kredit di masa
mendatang.
Pendapatan bunga dari aset keuangan yang Interest income from financial assets measured
diukur pada biaya perolehan diamortisasi dicatat at amortised cost is recorded in the statements
dalam laporan laba rugi dan penghasilan of profit or loss and other comprehensive
komprehensif lainnya dan diakui sebagai income and is recognised as “Interest income”.
“Pendapatan bunga”.
Ketika penurunan nilai terjadi, kerugian When an impairment occurs, an impairment
penurunan nilai diakui sebagai pengurang dari loss is recognised as a deduction from the
nilai tercatat aset keuangan dan diakui di dalam carrying value of financial assets and is
laporan laporan laba rugi dan penghasilan recognised in the statements of profit or loss
komprehensif lainnya sebagai “Penyisihan and other comprehensive income as “Allowance
kerugian penurunan nilai”. for impairment losses”.
(i) Pengakuan (i) Recognition
Perseroan menggunakan akuntansi tanggal The Company use trade date accounting
perdagangan untuk mencatat seluruh for regular way contracts when recording
transaksi aset keuangan yang lazim financial assets transactions. Financial
(reguler). Aset keuangan yang dialihkan assets that are transferred to a third party
kepada pihak ketiga tetapi tidak memenuhi but do not qualify for derecognition are
syarat penghentian pengakuan disajikan di presented in the statements of financial
dalam laporan posisi keuangan sebagai position as “Pledged assets”, if the
“Aset yang dijaminkan”, jika pihak penerima transferee has the right to sell or repledge
memiliki hak untuk menjual atau dijaminkan them.
kembali.
(ii) Penilaian pembayaran pokok dan bunga (ii) Solely payments of principal and interest
semata (“SPPI”) (“SPPI”) assessment
Untuk tujuan penilaian ini, 'pokok' For the purposes of this assessment,
didefinisikan sebagai nilai wajar dari aset ‘principal’ is defined as the fair value of the
keuangan pada pengakuan awal. 'Bunga' financial asset on initial recognition.
didefinisikan sebagai imbalan untuk nilai ‘Interest’ is defined as consideration for the
waktu atas uang dan untuk risiko kredit yang time value of money and for the credit risk
terkait dengan jumlah pokok yang terutang associated with the principal amount
selama periode waktu tertentu dan untuk outstanding during a particular period of
risiko dan biaya pinjaman dasar lainnya time and for other basic lending risks and
(misalnya risiko likuiditas dan biaya costs (e.g. liquidity risk and administrative
administrasi), serta marjin keuntungan. costs), as well as profit margin.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
(ii) Penilaian pembayaran pokok dan bunga (ii) Solely payments of principal and interest
semata (“SPPI”) (lanjutan) (“SPPI”) assessment (continued)
Dalam menilai apakah arus kas kontraktual In assessing whether the contractual cash
adalah SPPI, Perseroan flows are SPPI, the Company consider the
mempertimbangkan ketentuan kontraktual contractual terms of the instrument. This
instrumen tersebut. Hal ini termasuk menilai includes assessing whether the financial
apakah aset keuangan mengandung asset contains a contractual term that could
ketentuan kontraktual yang dapat mengubah change the timing or amount of contractual
waktu atau jumlah arus kas kontraktual cash flows such that it would not meet this
sehingga tidak memenuhi kondisi ini. Dalam condition. In making the assessment, the
melakukan penilaian, Perseroan Company consider:
mempertimbangkan:
- Kejadian kontinjensi yang akan - Contingent events that would change the
mengubah jumlah dan waktu arus kas; amount and timing of cash flows;
- Fitur leverage; - Leverage features;
- Persyaratan pelunasan dipercepat dan - Prepayments and extension terms;
perpanjangan fasilitas;
- Ketentuan yang membatasi klaim - Terms that limit the Company claim to
Perseroan atas arus kas dari aset cash flows from specified assets (e.g.
tertentu (seperti pinjaman non-recourse); non-recourse loans); and
dan
- Fitur yang memodifikasi imbalan dari nilai - Features that modify consideration of the
waktu atas uang (seperti penetapan time value of money (e.g. periodical reset
ulang suku bunga berkala). of interest rates).
(iii) Penilaian model bisnis (iii) Business model assessment
Model bisnis mengacu pada bagaimana Business model refers to how financial
aset keuangan dikelola bersama untuk assets are managed together to generate
menghasilkan arus kas untuk Perseroan. cash flows for the Company. This may be
Arus kas mungkin dihasilkan dengan collecting contractual cash flows, selling
menerima arus kas kontraktual, menjual aset financial assets or both. Business models
keuangan atau keduanya. Model bisnis are determined at a level of aggregation
ditentukan pada tingkat agregasi di mana where groups of assets are managed
kelompok aset dikelola bersama untuk together to achieve a particular objective
mencapai tujuan tertentu dan tidak and do not depend on management’s
bergantung pada niat manajemen pada intentions for individual instruments.
instrumen individual.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
(iii) Penilaian model bisnis (lanjutan) (iii) Business model assessment (continued)
Penentuan model bisnis dilakukan dengan Business model determinations are made
mempertimbangkan semua bukti relevan considering all relevant evidence that is
yang tersedia pada tanggal penilaian. Ini available at the date of the assessment.
termasuk, tetapi tidak terbatas pada: This includes, but not limited to:
- Bagaimana kinerja bisnis dan aset - How the performance of the business
keuangan yang ada di dalam unit bisnis and the financial assets held within that
itu dievaluasi dan dilaporkan kepada business unit are evaluated and reported
manajemen. Tingkat pemisahan yang to management. The level of segregation
diidentifikasi untuk klasifikasi PSAK 109 identified for SFAS 109 “Financial
“Instrumen Keuangan” harus konsisten Instrument” classification should be
dengan bagaimana portofolio aset consistent with how asset portfolios are
dipisahkan dan dilaporkan kepada segregated and reported to senior
manajemen senior; management;
- Risiko yang mempengaruhi kinerja unit - The risks that affect the performance of
bisnis dan aset keuangan yang dimiliki the business unit and the financial assets
dalam unit bisnis itu dan khususnya held within that business unit and in
bagaimana risiko itu dikelola; dan particular the way those risks are
managed; and
- Bagaimana manajer unit bisnis - How managers of the business unit are
dikompensasi (berdasarkan pada nilai compensated (based on the fair value of
wajar dari aset yang dikelola atau pada the assets managed or on the contractual
arus kas kontraktual yang dikumpulkan). cash flows collected).
Perseroan dapat mereklasifikasikan seluruh The Company can reclassify all of its
aset keuangan jika dan hanya jika, model financial assets when and only, its business
bisnis untuk pengelolaan aset keuangan model for managing those financial assets
berubah. changes.
Penentuan model bisnis dilakukan Business model determinations are made
berdasarkan skenario yang diperkirakan on the basis of scenarios that the Company
akan terjadi oleh Perseroan dan tidak dalam reasonably expect to occur and not under
kondisi sangat tertekan atau 'kondisi highly stressed or 'worst case' conditions.
terburuk'. Jika aset dijual dalam kondisi yang Where assets are disposed of under
tidak diharapkan oleh Perseroan untuk conditions that the Company did not
berlaku ketika aset diakui, klasifikasi aset reasonably expect to prevail when the
keuangan yang ada dalam portofolio tidak assets were recognised, the classification of
disajikan secara tidak akurat, tetapi kondisi existing financial assets in the portfolio are
tersebut harus dipertimbangkan untuk aset not rendered inaccurate, but the conditions
yang diperoleh di masa mendatang. in question should be considered for any
assets acquired going forward.
Pemilihan model operasi dalam PSAK 109 The targeting operating model for SFAS 109
dirancang sedemikian rupa sehingga is designed such that accounting for
akuntansi untuk instrumen di FVPL adalah instruments at FVPL is a conscious choice.
pilihan yang tepat/conscious.
Halaman - 5/15 - Page
Page 398
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
(iii) Penilaian model bisnis (lanjutan) (iii) Business model assessment (continued)
Perubahan pada model bisnis atau Changes to business models or the
pengenalan model bisnis baru ditentukan introduction of new business models are
melalui proses persetujuan unit bisnis baru. determined through the new business unit
approval process.
(iv) Penurunan nilai dari aset keuangan (iv) Impairment of financial assets
Perseroan menetapkan penyisihan kerugian The Company determines the allowance for
penurunan nilai untuk piutang pembiayaan impairment losses for consumer financing
konsumen melalui evaluasi secara kolektif. receivables through collective evaluation.
PSAK 109 mengharuskan cadangan SFAS 109 requires a loss allowance to be
kerugian diakui sebesar kerugian kredit recognised at an amount equal to either
ekspektasian (“ECL”) 12 bulan atau kerugian 12-months expected credit losses (“ECL”)
kredit ekspektasian sepanjang umur aset or lifetime ECL. Lifetime ECL are the ECL
keuangan (lifetime ECL). Lifetime ECL that result from all possible default events
adalah kerugian kredit ekspektasian yang over the expected life of a financial
berasal dari semua kemungkinan kejadian instrument, whereas 12-months ECL are
gagal bayar sepanjang umur ekspektasian the portion of ECL that result from default
suatu instrumen keuangan, sedangkan ECL events that are possible within the
12 bulan adalah porsi dari kerugian kredit 12-months after reporting date.
ekspektasian yang berasal dari
kemungkinan kejadian gagal bayar dalam 12
bulan setelah tanggal pelaporan.
ECL diakui untuk seluruh instrumen utang ECL are recognised for all financial debt
keuangan, komitmen pinjaman dan jaminan instruments, loan commitments and
keuangan yang diklasifikasikan sebagai hold financial guarantees that are classified as
to collect/hold to collect and sell dan memiliki hold to collect/hold to collect and sell and
arus kas SPPI. have cash flows that are SPPI.
ECL akan mencerminkan rata-rata The ECL will reflect weighted average of
tertimbang dari skenario berdasarkan the scenarios based on the probability of
probabilitas dari skenario yang relevan untuk the relevant scenario to occur. The loss
terjadi. Cadangan kerugian penurunan nilai provisions held represent the difference
merupakan selisih antara nilai sekarang dari between the present value of the cash flows
arus kas yang diperkirakan akan dipulihkan, expected to be recovered, discounted at the
didiskontokan pada suku bunga efektif awal, instrument’s original effective interest rate,
dan nilai tercatat bruto instrumen sebelum and the gross carrying value of the
penurunan nilai kredit. instrument prior to any credit impairment.
Periode diperhitungkan ketika mengukur The period considered when measuring
ECL adalah periode lebih pendek antara ECL is the shorter of the expected life and
umur ekspektasian dan periode kontrak aset the contractual term of the financial asset.
keuangan. Umur ekspektasian dapat The expected life may be impacted by
dipengaruhi oleh pembayaran dimuka dan prepayments and the maximum contractual
periode kontrak maksimum melalui opsi term by extension options.
perpanjangan kontrak.
Halaman - 5/16 - Page
Page 399
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
(iv) Penurunan nilai dari aset keuangan (iv) Impairment of financial assets (continued)
(lanjutan)
Perseroan menggunakan model yang The Company primarily uses the matrix
menggunakan matriks Probability of Default models of the Probability of Default (“PD”),
(“PD”), Loss Given Default (“LGD”) dan Loss Given Default (“LGD”) and Exposure
Exposure at Default (“EAD”), yang at Default (“EAD”), discounted using the
didiskontokan menggunakan suku bunga effective interest rate.
efektif.
a. Probability of Default (“PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over
dikalibrasikan sampai dengan periode up to 12-months from the reporting
12 bulan dari tanggal laporan (Stage 1) date (Stage 1) or over the lifetime of the
atau sepanjang umur (Stage 2 dan 3) product (Stage 2 and 3) and
dan digabungkan pada dampak asumsi incorporating the impact of forward-
ekonomi masa depan yang memiliki looking economic assumptions that
risiko kredit. PD diestimasikan pada have an effect on credit risk. PD is
point in time dimana hal ini berfluktuasi estimated at a point in time that means
sejalan dengan siklus ekonomi. it will fluctuate in line with the economic
cycle.
Perseroan menggunakan migration The Company uses migration analysis
analysis method untuk penilaian method for financial assets impairment
penurunan nilai aset keuangan secara which collectively assessed, using at
kolektif dengan menggunakan data the 3 (three) years historical data.
historis 3 (tiga) tahun.
Pada migration analysis method, In migration analysis method,
manajemen menentukan estimasi management determines the estimated
periode antara terjadinya peristiwa dan and identification period between a loss
teridentifikasinya kerugian untuk setiap occurring for each identified portfolio,
portofolio yang diidentifikasi, yaitu which is 12-months.
12 bulan.
b. Loss Given Default (“LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul The loss that is expected to arise on
dari debitur yang mengalami gagal defaulted debtors, incorporating the
bayar dengan menggabungkan dampak impact of relevant forward looking
dari asumsi ekonomi masa depan yang economic assumptions (if any), which
relevan (jika ada) dimana hal ini represents the difference between the
mewakili perbedaan antara arus kas contractual cash flows due and those
kontraktual yang akan jatuh tempo that the Company expects to receive.
dengan arus kas yang diharapkan untuk The Company estimates LGD based
diterima. Perseroan mengestimasikan on the historical recovery rates and
LGD berdasarkan data historis dari considers the recovery of any collateral
tingkat pemulihan dan that is integral to the financial assets,
memperhitungkan pemulihan yang taking into account forward looking
berasal dari jaminan terhadap aset economic assumptions if relevant.
keuangan dengan mempertimbangkan
asumsi ekonomi di masa depan jika
relevan.
Halaman - 5/17 - Page
Page 400
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
(iv) Penurunan nilai dari aset keuangan (iv) Impairment of financial assets (continued)
(lanjutan)
c. Exposure at Default (“EAD”) c. Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada The expected balance sheet exposure
saat gagal bayar dengan at the time of default, taking into
mempertimbangkan bahwa perubahan account that expected change in
ekspektasi yang diharapkan selama exposure over the lifetime of the
masa eksposur. Hal ini menggabungkan exposure. This incorporates the impact
dampak pembayaran pokok dan bunga, of repayments of principal and interest,
amortisasi dan pembayaran dipercepat, amortisation and prepayments, together
bersama dengan dampak asumsi with the impact of forward looking
ekonomi masa depan jika relevan. economic assumptions where relevant.
Kerugian kredit ekspektasian (“ECL”) 12-months expected credit losses
12 bulan (Stage 1) (Stage 1)
ECL diakui pada saat pengakuan ECL are recognised at the time of initial
awal instrumen keuangan dan recognition of a financial instrument and
merepresentasikan kekurangan kas represent the lifetime cash shortfalls arising
sepanjang umur aset yang timbul dari from possible default events up to twelve
kemungkinan gagal bayar di masa yang months into the future from the reporting
akan datang dalam kurun waktu dua belas date. ECL continue to be determined on this
bulan sejak tanggal pelaporan. ECL terus basis until there is either a significant
ditentukan oleh dasar ini sampai timbul increase in the credit risk of an instrument or
peningkatan risiko kredit yang signifikan the instrument becomes credit impaired. If
pada instrumen tersebut atau instrumen an instrument is no longer considered to
tersebut telah mengalami penurunan nilai exhibit a significant increase in credit risk,
kredit. Jika suatu instrumen tidak lagi ECL will revert to being determined on a
dianggap menunjukkan peningkatan risiko 12-months basis. Financial assets that
kredit yang signifikan, maka ECL dihitung historically not overdue are considered as
kembali berdasarkan basis 12 bulan. Aset stage 1.
keuangan yang tidak pernah mengalami
tunggakan dikategorikan sebagai stage 1.
Peningkatan risiko kredit yang signifikan Significant increase in credit risk
(Stage 2) (Stage 2)
Jika aset keuangan mengalami Peningkatan If a financial asset experiences a Significant
Risiko Kredit yang Signifikan (“SICR”) sejak Increase in Credit Risk (“SICR”) since initial
pengakuan awal, kerugian kredit recognition, an expected credit loss
ekspektasian diakui atas kejadian gagal provision is recognised for default events
bayar yang mungkin terjadi sepanjang umur that may occur over the lifetime of the asset.
aset. Peningkatan signifikan dalam risiko Significant increase in credit risk is
kredit dinilai dengan membandingkan risiko assessed by comparing the risk of default of
gagal bayar atas eksposur pada tanggal an exposure at the reporting date to the risk
pelaporan dengan risiko gagal bayar saat of default at origination (after taking into
pengakuan awal (setelah memperhitungkan account the passage of time). Whether a
perjalanan waktu dari akun tersebut). change in the risk of default is significant or
Perubahan atas risiko gagal bayar dinilai not is assessed using a number of
signifikan atau tidak, dinilai menggunakan quantitative and qualitative factors, the
sejumlah faktor kuantitatif dan kualitatif, weight of which depends on the type of
yang bobotnya bergantung pada tipe produk product and counterparty. Financial assets
dan pihak lawan. Aset keuangan yang that are historically overdue and financial
pernah mengalami tunggakan dan aset assets that are overdue at the end of period
keuangan yang menunggak antara 1-90 hari is between 1-90 days will always be
sebelum tanggal pelaporan akan selalu considered to have experienced a
dianggap telah mengalami peningkatan significant increase in credit risk.
risiko kredit yang signifikan.
Halaman - 5/18 - Page
Page 401
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
(iv) Penurunan nilai dari aset keuangan (iv) Impairment of financial assets (continued)
(lanjutan)
Peningkatan risiko kredit yang signifikan Significant increase in credit risk
(Stage 2) (lanjutan) (Stage 2) (continued)
Perseroan menggunakan berbagai The Company uses a number of qualitative
pengukuran kualitatif dan kuantitatif dalam and quantitative measures in assessing
menilai SICR seperti berikut: SICR as follows:
1. Akun-akun yang pernah mengalami 1. Accounts that are historically overdue;
tunggakan; dan and
2. Akun-akun yang menunggak 2. Accounts overdue at the end of period
antara 1-90 hari sebelum tanggal is between 1-90 days.
pelaporan.
Eksposur yang mengalami penurunan Credit impaired or default exposures
nilai kredit atau gagal bayar (Stage 3) (Stage 3)
Aset hanya akan dianggap mengalami An asset is only considered credit impaired
penurunan nilai dan ECL sepanjang and lifetime ECL recognised, if there is
umurnya diakui, jika terdapat bukti objektif observed objective evidence of impairment.
penurunan nilai yang dapat diobservasi. These factors are similar to the indicators of
Faktor-faktor yang diobservasi ini serupa objective evidence of impairment under
dengan indikator bukti objektif penurunan SFAS 239 “Financial Instrument:
nilai pada PSAK 239 “Instrumen Keuangan: Recognition and Measurement”, this
Pengakuan dan Pengukuran”, termasuk includes, amongst other factors, assets in
antara lain aset gagal bayar atau mengalami default or experiencing significant financial
kesulitan keuangan yang signifikan atau difficulty, or experiencing forbearance on
mengalami forbearance atas kredit yang impaired credit (mentioned as ‘Stage 3
mengalami penurunan nilai (disebut sebagai asset’). The measurement of ECL across
‘aset Stage 3’). Pengukuran ECL di seluruh all stages is required to reflect an unbiased
tahapan aset diperlukan untuk and probability weighted amount that is
mencerminkan jumlah yang tidak bias dan determined by evaluating a range of
rata-rata probabilitas tertimbang yang reasonably possible outcomes using
ditentukan dengan mengevaluasi reasonable and supportable information
serangkaian kemungkinan yang dapat terjadi about past events, current conditions and
menggunakan informasi yang wajar dan forecasts of future economic conditions.
dapat didukung dengan peristiwa di masa
lampau, kondisi saat ini dan proyeksi terkait
dengan kondisi ekonomis di masa depan.
Aset keuangan yang mengalami penurunan Financial assets that are credit impaired (or
nilai (atau gagal bayar) merupakan aset in default) represent those that are at least
yang setidaknya telah memiliki tunggakan 90 days past due in respect of principal
lebih dari 90 hari atas pokok dan/atau bunga. and/or interest. Financial assets are also
Aset keuangan juga dianggap mengalami considered to be credit impaired where the
penurunan nilai kredit dimana debitur debtors are unlikely to pay on the
kemungkinan besar tidak akan membayar occurrence of one or more observable
dengan terjadinya satu atau lebih kejadian events that have a detrimental impact on
yang teramati yang memiliki dampak the estimated future cash flows of the
menurunkan jumlah estimasi arus kas masa financial asset.
depan dari aset keuangan tersebut.
Untuk aset yang diukur pada biaya For assets measured at amortised cost, the
perolehan diamortisasi, saldo di neraca balance sheet amount reflects the gross
mencerminkan aset bruto dikurangi ECL. asset less the ECL.
Halaman - 5/19 - Page
Page 402
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan (lanjutan) Financial assets (continued)
(iv) Penurunan nilai dari aset keuangan (iv) Impairment of financial assets (continued)
(lanjutan)
Eksposur yang mengalami penurunan Credit impaired or default exposures
nilai kredit atau gagal bayar (Stage 3) (Stage 3) (continued)
(lanjutan)
Ketika pembiayaan konsumen tidak tertagih, When a consumer financing is uncollectible,
kredit tersebut dihapus buku dengan it is written-off against the related allowance
menjurnal balik penyisihan kerugian for loan impairment. Such loans are written-
penurunan nilai. Kredit tersebut dapat off after all the necessary procedures have
dihapus buku setelah semua prosedur yang been completed and the amount of the loss
diperlukan telah dilakukan dan jumlah has been determined. Impairment charges
kerugian telah ditentukan. Beban penurunan relating to financial assets category as
nilai yang terkait dengan aset keuangan amortised cost are classified in “Allowance
dengan kategori biaya perolehan for impairment losses”.
diamortisasi diklasifikasikan ke dalam
“Penyisihan kerugian penurunan nilai”.
Jika pada tahun berikutnya, jumlah kerugian If in a subsequent year, the amount of the
penurunan nilai berkurang dan pengurangan impairment loss decreases and the
tersebut dapat dikaitkan secara obyektif decrease can be related objectively to an
pada peristiwa yang terjadi setelah event occurring after the impairment was
penurunan nilai diakui (seperti meningkatnya recognised (such as an improvement in the
peringkat kredit debitur), maka kerugian debtor’s credit rating), the previously
penurunan nilai yang sebelumnya diakui recognised impairment loss is reversed by
harus dipulihkan, dengan menyesuaikan adjusting the allowance account. The
akun penyisihan. Jumlah pembalikan aset amount of the reversal is recognised in the
keuangan diakui pada laporan laba rugi dan statements of profit or loss and other
penghasilan komprehensif lainnya. comprehensive income.
Penerimaan kemudian atas pembiayaan Subsequent recoveries of consumer
konsumen yang telah dihapusbukukan financing written-off are credited to the
dikreditkan dengan menyesuaikan akun allowance for impairment losses account.
penyisihan kerugian penurunan nilai.
Liabilitas keuangan Financial liabilities
Perseroan mengklasifikasikan liabilitas The Company classifies its financial liabilities in
keuangannya dalam kategori (a) liabilitas categories (a) financial liabilities measured at
keuangan yang diukur dengan biaya perolehan amortised cost (b) financial liabilities at fair value
diamortisasi dan (b) liabilitas keuangan yang through profit or loss. The Company have
diukur pada nilai wajar melalui laba rugi. hedging instruments in cash flow hedges (refer
Perseroan memiliki instrumen lindung nilai atas to Note 2r).
arus kas (lihat Catatan 2r).
Liabilitas keuangan yang diukur dengan biaya Financial liabilities measured at amortised cost
perolehan diamortisasi
Pada saat pengakuan awal, liabilitas keuangan Financial liabilities measured at amortised cost
yang diukur dengan biaya perolehan yang are initially recognised at fair value plus
diamortisasi diukur pada nilai wajar ditambah transaction cost (if any) that are directly
biaya transaksi (jika ada) yang dapat attributable to the financial liabilities and
diatribusikan secara langsung dengan liabilitas subsequently measured at amortised cost using
keuangan tersebut dan selanjutnya diukur pada effective interest rate. Effective interest rate
biaya perolehan diamortisasi dengan amortization is recognised in the statements of
menggunakan metode suku bunga efektif. profit or loss and other comprehensive income
Amortisasi suku bunga efektif diakui di dalam as “Interest and financing charges”.
laporan laba rugi dan penghasilan komprehensif
lainnya sebagai “Beban bunga dan keuangan”.
Halaman - 5/20 - Page
Page 403
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI 2. MATERIAL ACCOUNTING POLICY
MATERIAL (lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Liabilitas keuangan (lanjutan) Financial liabilities (continued)
Liabilitas keuangan yang diukur pada nilai wajar Financial liabilities measured at fair value
melalui laba rugi through profit or loss
Liabilitas keuangan diklasifikasikan sebagai nilai A financial liability is classified as fair value
wajar melalui laba rugi, jika diperoleh atau dimiliki through profit or loss, if it is acquired or incurred
terutama untuk tujuan dijual atau dibeli kembali principally for the purpose of selling or
dalam waktu dekat atau jika merupakan bagian repurchasing it in the near term or if it is part of a
dari portofolio instrumen keuangan tertentu yang portfolio of identified financial instruments that
dikelola bersama dan untuk yang terdapat bukti are managed together and for which there is
adanya pola aksi ambil untung jangka pendek evidence of a recent actual pattern of short-term
yang terjadi. profit-taking.
Keuntungan dan kerugian yang timbul dari Gains and losses arising from changes in fair
perubahan nilai wajar liabilitas keuangan yang value of financial liabilities classified as fair value
diklasifikasikan sebagai nilai wajar melalui laba through profit or loss are included in the
rugi dimasukkan dalam laporan laba rugi dan statement of profit or loss and other
penghasilan komprehensif lain sebagai comprehensive income as gain/loss from fair
keuntungan/kerugian dari nilai wajar melalui laba value through profit or loss. Interest expense
rugi. Beban bunga dari liabilitas keuangan dicatat from financial liability are recorded as “Other
sebagai ”Penghasilan/(beban) lain-lain”. income/(expense)”.
Penentuan nilai wajar Determination of fair value
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be received to
untuk menjual suatu aset atau harga yang akan sell an asset or paid to transfer a liability in an
dibayar untuk mengalihkan suatu liabilitas dalam orderly transaction between market participants
transaksi teratur (orderly transaction) antara at the measurement date in the principal market
pelaku pasar (market participants) pada tanggal or, in its absence, the most advantageous
pengukuran di pasar utama atau, jika tidak market to which the Company have access at
terdapat pasar utama, di pasar yang paling that date. The fair value of a liability reflects its
menguntungkan dimana Perseroan memiliki non-performance risk.
akses pada tanggal tersebut. Nilai wajar liabilitas
mencerminkan risiko wanprestasinya.
Jika tersedia, Perseroan mengukur nilai wajar When available, the Company measure the fair
instrumen keuangan dengan menggunakan value of a financial instrument using the quoted
harga kuotasian di pasar aktif untuk instrumen price in an active market for that instrument.
tersebut.
Nilai wajar untuk instrumen keuangan yang The fair value of financial instruments traded in
diperdagangkan di pasar aktif ditentukan active markets is determined based on quoted
berdasarkan nilai pasar yang berlaku pada market prices at the statements of financial
tanggal laporan posisi keuangan menggunakan position date from credible sources such quoted
harga yang dipublikasikan secara rutin dan market prices or broker’s quoted price from
berasal dari sumber yang terpercaya, seperti Bloomberg and Reuters - third party.
quoted market price atau broker’s quoted price
dari Bloomberg dan Reuters - pihak ketiga.
Instrumen keuangan dianggap memiliki kuotasi A financial instrument is regarded as quoted in
di pasar aktif, jika harga kuotasi tersedia an active market if quoted prices are readily and
sewaktu-waktu dan dapat diperoleh secara rutin regularly available from an exchange, dealer,
dari bursa, pedagang efek (dealer), perantara broker, industry group, pricing service or
efek (broker), kelompok industri, badan regulatory agency, and those prices represent
pengawas (pricing service or regulatory agency), actual and regularly occurring market
dan harga tersebut mencerminkan transaksi transactions on an arm’s length basis. If the
pasar yang aktual dan rutin dalam suatu above criterias are not met, the market is
transaksi yang wajar. Jika kriteria di atas tidak regarded as being inactive. Indications that a
terpenuhi, maka pasar aktif dinyatakan tidak market is inactive are when there is a wide bid-
tersedia. Indikasi-indikasi dari pasar tidak aktif offer spread or significant increase in the bid-
adalah terdapat selisih yang besar antara harga offer spread or there are few recent transactions.
penawaran dan permintaan atau kenaikan
signifikan dalam selisih harga penawaran dan
permintaan dan hanya terdapat beberapa
transaksi terkini.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI 2. MATERIAL ACCOUNTING POLICY
MATERIAL (lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penentuan nilai wajar (lanjutan) Determination of fair value (continued)
Untuk instrumen keuangan yang tidak For financial instruments with no quoted market
mempunyai harga pasar, estimasi atas nilai price, a reasonable estimate of the fair value is
wajar efek-efek ditetapkan dengan mengacu determined by reference to the current market
pada nilai wajar instrumen lain yang value of another instrument which substantially
substansinya sama atau dihitung berdasarkan have the same characteristic or calculated based
arus kas yang didiskonto dengan tingkat suku on the expected cash flows discounted by the
bunga pasar yang relevan. relevant market rates.
Bukti terbaik dari nilai wajar pada saat The best evidence of fair value at initial
pengakuan awal adalah harga transaksinya recognition is the transaction price (that is, the
(yaitu nilai wajar pembayaran yang diserahkan fair value of the consideration given or received),
atau diterima), kecuali nilai wajar dari instrumen unless the fair value of that instrument is
tersebut dapat dibuktikan dengan perbandingan evidenced by comparison with other observable
transaksi untuk instrumen yang sama di pasar current market transactions in the same
terkini yang dapat diobservasi (yaitu yang tanpa instrument (that is, without modification or re-
modifikasi atau re-packaging) atau berdasarkan packaging) or based on a valuation technique
teknik penilaian dimana variabelnya hanya data whose variables include only data from
dari pasar yang dapat diobservasi. observable markets.
Untuk instrumen keuangan yang diukur For financial instruments that measured at fair
menggunakan nilai wajar, Perseroan value, the Company use the fair value hierarchy
menggunakan hierarki nilai wajar yang which reflect the significance of input used in the
mencerminkan signifikansi input yang digunakan measurement (level 1, 2 and 3) as explained in
dalam melakukan pengukuran (tingkat 1, 2, dan Note 30 (v).
3) seperti dijelaskan pada Catatan 30 (v).
Penghentian pengakuan Derecognition
Penghentian pengakuan aset keuangan Financial assets are derecognised when the
dilakukan ketika hak kontraktual atas arus kas ▪ contractual rights to receive the cash flows from
yang berasal dari aset keuangan tersebut these assets have ceased to exist or the assets
berakhir, atau ketika aset keuangan tersebut have been transferred and substantially all the
telah ditransfer dan secara substansial seluruh risks and rewards of ownership of the assets are
risiko dan manfaat atas kepemilikan aset also transferred (if substantially all risks and
tersebut telah ditransfer (jika secara substansial rewards have not been transferred, the
seluruh risiko dan manfaat tidak ditransfer, maka Company test control to ensure that continuing
Perseroan melakukan evaluasi untuk involvement on the basis of any retained powers
memastikan keterlibatan berkelanjutan atas of control does not prevent derecognition).
kendali yang masih dimiliki tidak mencegah Financial liabilities are derecognised when they
penghentian pengakuan). Liabilitas keuangan have been redeemed or otherwise extinguished.
dihentikan pengakuannya ketika liabilitas telah
dilepaskan atau dibatalkan atau kedaluwarsa.
Penghentian pengakuan piutang pembiayaan Consumer financing receivables are
konsumen yang mengalami penurunan nilai, ▪ derecognised when the receivables have been
akan dilakukan ketika piutang tersebut telah written-off or when they are overdue more than
dihapusbukukan atau menunggak lebih dari 150 150 days or determined to be not collectible.
hari atau pada saat piutang tersebut diputuskan When collateral assets have been repossessed,
tidak dapat tertagih. Ketika jaminan kendaraan consumer financing receivables are classified
ditarik, piutang pembiayaan konsumen into consumer financing receivables with special
diklasifikasikan ke dalam piutang pembiayaan mention.
dalam perhatian khusus.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI 2. MATERIAL ACCOUNTING POLICY
MATERIAL (lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Saling hapus ▪ Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and the
disalinghapuskan dan jumlah netonya dilaporkan net amount is reported in the statements of
pada laporan posisi keuangan ketika terdapat financial position when there is a legally
hak yang berkekuatan hukum untuk melakukan enforceable right to offset the recognised
saling hapus atas jumlah yang telah diakui amounts and there is an intention to settle on a
tersebut dan adanya niat untuk menyelesaikan net basis, or realise the asset and settle the
secara neto, atau untuk merealisasikan aset dan liability simultaneously.
menyelesaikan liabilitas secara bersamaan.
Hak saling hapus tidak kontinjen atas peristiwa di The legally enforceable right must not be
masa depan dan dapat dipaksakan secara contingent on future events and must be
hukum dalam situasi bisnis yang normal dan enforceable in the normal course of business
dalam peristiwa gagal bayar, atau peristiwa and in the event of default, insolvency or
kepailitan atau kebangkrutan Perseroan atau bankruptcy of the Company or counterparty.
pihak lawan.
Reklasifikasi aset keuangan ▪ Reclassification of financial assets
Perseroan diperkenankan untuk melakukan The Company is permitted to reclassify its
reklasifikasi atas aset keuangan yang dimiliki jika financial assets if the Company change its
Perseroan mengubah model bisnis untuk business model for managing financial assets
pengelolaan aset keuangan sedangkan while reclassification for financial liabilities is not
reklasifikasi untuk liabilitas keuangan tidak permitted.
diperkenankan.
Perseroan dapat mereklasifikasi seluruh aset s The Company can reclassify all of its financial
keuangan yang terpengaruh jika dan hanya jika, e assets when and only, its business model for
model bisnis untuk pengelolaan aset keuangan l managing those financial assets changes.
berubah. u
Yang bukan merupakan perubahan model bisnis The followings are not a change in business
adalah: model:
- perubahan intensi berkaitan dengan aset - changes in intention relating to certain
keuangan tertentu (bahkan dalam situasi financial assets (even in situations significant
perubahan signifikan dalam kondisi pasar); changes in market conditions);
- hilangnya sementara pasar tertentu untuk - temporary loss of certain markets for financial
aset keuangan; dan assets; and
- pengalihan aset keuangan antara bagian - transfer of financial assets between parts of
dari Perseroan dengan model bisnis the Company with different business models.
berbeda.
Perseroan menerapkan reklasifikasi secara The Company applies a prospective
prospektif dari tanggal reklasifikasi. Perseroan reclassification of the date of the reclassification.
tidak menyajikan kembali keuntungan, kerugian The Company does not restate profits, losses
(termasuk keuntungan atau kerugian penurunan (including impairment of profit or loss), or interest
nilai), atau bunga yang diakui sebelumnya. recognised earlier.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI 2. MATERIAL ACCOUNTING POLICY
MATERIAL (lanjutan) INFORMATION (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Klasifikasi instrumen keuangan ▪ Classification on financial instruments
▪
Perseroan mengklasifikasikan instrumen ▪ The Company classify the financial instruments
keuangan ke dalam klasifikasi tertentu yang into classes that reflects the nature of information
mencerminkan sifat dari informasi dan and take into account the characteristic of those
mempertimbangkan karakteristik dari instrumen financial instruments. The classification can be
keuangan tersebut. Klasifikasi ini dapat dilihat seen in the table below:
pada tabel berikut:
Kategori yang didefinisikan oleh PSAK 109/
Golongan/Classes Sub-golongan/Sub-classes
Category as defined by SFAS 109
Aset keuangan/Financial assets
Kas dan setara kas/Cash and cash
Kas di bank/Cash in banks
equivalents
Piutang pembiayaan konsumen/Consumer financing receivables
Aset keuangan yang diukur pada biaya perolehan Klaim asuransi, penyelesaian
diamortisasi/Financial assets measured at amortised cost pembayaran konsumen melalui
payment channel dan pinjaman
Piutang lain-lain/Other receivables karyawan/Insurance claims,
settlement of debtors’ payment
through payment channel and
employee loans.
Lindung nilai atas arus Aset derivatif - lindung nilai atas arus
Aset keuangan yang diukur pada nilai wajar melalui laba rugi/
kas/Hedging instruments in cash kas/Derivative assets - Hedging
Financial assets measured at fair value through profit or loss
flow hedges instruments in cash flow hedges
Liabilitas keuangan/Financial liabilities
Utang penyalur kendaraan/Dealer payables
Utang lain-lain/Other payables
Liabilitas keuangan yang diukur dengan biaya perolehan Utang premi asuransi/Insurance premium payables
diamortisasi/Financial liabilities at amortised cost Akrual/Accruals
Pinjaman/Borrowings
Surat berharga yang diterbitkan/Securities issued
Liabilitas derivatif - lindung nilai atas
Liabilitas keuangan yang diukur pada nilai wajar melalui laba Lindung nilai atas arus
arus kas/Derivative liabilities -
rugi/Financial liabilities measured at fair value through profit kas/Hedging instruments in cash
Hedging instruments in cash flow
or loss flow hedges
hedges
e. Kas dan setara kas e. Cash and cash equivalents
Kas dan setara kas mencakup kas dan kas di Cash and cash equivalents include cash on
bank yang tidak dibatasi penggunaannya dan hand and cash in banks which are not restricted
tidak digunakan sebagai jaminan atas pinjaman. and pledged as collateral for any borrowing.
f. Piutang pembiayaan konsumen f. Consumer financing receivables
Piutang pembiayaan konsumen merupakan Consumer financing receivables are stated at
jumlah piutang bersih setelah dikurangi dengan their outstanding balance less the portion of joint
bagian pembiayaan bersama dimana risiko financing where the credit risk is assumed by
kredit ditanggung pemberi pembiayaan bersama joint financing providers in accordance with the
sesuai dengan porsinya (without recourse), financing portion (without recourse), unearned
penghasilan pembiayaan konsumen yang belum consumer financing income and the allowance
diakui dan penyisihan kerugian penurunan nilai. for impairment losses.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
f. Piutang pembiayaan konsumen (lanjutan) f. Consumer financing receivables (continued)
Penghasilan pembiayaan konsumen yang belum Unearned consumer financing income is the
diakui merupakan selisih antara jumlah difference between total installments to be
keseluruhan pembayaran angsuran yang akan received from customers and total financing
diterima dari konsumen dengan jumlah pokok added or deducted with transaction costs which
pembiayaan ditambah atau dikurangi biaya will be recognised as consumer financing income
transaksi, yang akan diakui sebagai penghasilan over the term of the contract using effective
pembiayaan konsumen selama jangka waktu interest rate method.
kontrak, menggunakan metode suku bunga
efektif.
Penghasilan yang diterima oleh Perseroan Income received by the Company related to the
sehubungan dengan perolehan aset keuangan acquisition of financial asset and its related
dan beban usaha yang terkait diamortisasi operating expenses are effectively amortised
menggunakan metode suku bunga efektif. using the effective interest rate method.
Pembiayaan bersama Joint financing
Piutang pembiayaan konsumen yang dibiayai Joint financing receivables where the Company
bersama pihak-pihak lain dimana masing- and joint financing providers bear credit risk in
masing pihak menanggung risiko kredit sesuai accordance with their portion (without recourse)
dengan porsinya (without recourse) disajikan di are presented on a net basis in the statements of
laporan posisi keuangan secara bersih. financial position. Consumer financing income
Penghasilan pembiayaan konsumen dan beban and interest expenses related to joint financing
bunga yang terkait dengan pembiayaan without recourse are also presented on a net
bersama without recourse disajikan secara basis in the statements of profit or loss and other
bersih di laporan laba rugi dan penghasilan comprehensive income.
komprehensif lainnya.
Dalam pembiayaan bersama without recourse, For joint financing without recourse, the
Perseroan berhak menentukan tingkat bunga Company has the right to set higher interest
yang lebih tinggi kepada konsumen dari tingkat rates to customers than those as stated in the
bunga yang ditetapkan dalam perjanjian dengan joint financing agreements with joint financing
pemberi pembiayaan bersama. Selisihnya, providers. The difference is recognised as part of
diakui sebagai pendapatan pembiayaan unearned consumer financing income and
konsumen yang belum diakui dan diakui sebagai recognised as income over the term of the
pendapatan sesuai dengan jangka waktu contract using effective interest method.
kontrak dengan menggunakan metode suku
bunga efektif.
g. Penyisihan kerugian penurunan nilai g. Allowance for impairment losses
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policy of
penurunan nilai dari aset keuangan. impairment of financial assets.
h. Penyisihan kerugian aset produktif h. Allowance for impairment losses on earning
assets
Aset produktif terdiri dari giro pada bank syariah, Earning assets consist of current accounts with
piutang ijarah dan aset yang diperoleh untuk sharia banks, ijarah receivables and asset
ijarah. acquired for ijarah.
Penyisihan kerugian aset produktif dan aset non- Allowance for impairment losses on earning
produktif Pembiayaan Syariah Perseroan dan assets and non-earning assets for Business
Unit Usaha Pembiayaan Syariah yang Operation of Sharia Financing Company and
melaksanakan kegiatan berdasarkan prinsip Sharia Financing Business Unit conducting
syariah diatur dalam POJK business based on sharia principles are
No. 10/POJK.05/2019 tertanggal 26 Februari stipulated in the POJK No. 10/POJK.05/2019
2019. dated 26 February 2019.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
h. Penyisihan kerugian aset produktif (lanjutan) h. Allowance for impairment losses on earning
assets (continued)
Pedoman pembentukan penyisihan kerugian The guidelines for establishment of allowance for
aset produktif berdasarkan POJK tersebut impairment losses on earning assets based on
adalah sebagai berikut: POJK are as follows:
a) Cadangan umum, sekurang-kurangnya a) General reserve shall be no less than 1% of
sebesar 1% dari aset produktif yang total earning assets classified as current.
digolongkan lancar.
b) Cadangan khusus, sekurang-kurangnya b) Special reserve shall be at least:
sebesar:
1) 5% dari aset produktif yang 1) 5% of earning assets classified as
digolongkan Dalam Perhatian Khusus Special Mention after deducted by
setelah dikurangi agunan. collateral value.
2) 15% dari aset produktif yang 2) 15% of earning assets classified as
digolongkan Kurang Lancar setelah Substandard after deducted by
dikurangi agunan. collateral value.
3) 50% dari aset produktif yang 3) 50% of earning assets classified as
digolongkan Diragukan setelah Doubtful after deducted by collateral
dikurangi agunan. value.
4) 100% dari aset produktif yang 4) 100% of earning assets classified as
digolongkan Macet setelah dikurangi Loss after deducted by collateral value.
agunan.
Apabila manajemen berpendapat bahwa suatu If management believes that certain earning
aset produktif sudah tidak dapat ditagih kembali, assets are not recoverable, then those assets
maka aset tersebut harus dihapusbukukan should be written-off by deducting the balance of
dengan cara saldo aset produktif dikurangkan earning assets from their respective allowances.
dari penyisihan kerugian. Penerimaan kembali Recoveries of earning assets that have been
aset produktif yang telah dihapusbukukan dicatat written-off are recorded as additional allowance
sebagai penambahan penyisihan kerugian tahun for impairment losses in the current year.
berjalan.
i. Pembiayaan syariah i. Sharia financing
Piutang pembiayaan syariah timbul dari Sharia financing arise from sharia agreement
perjanjian kerjasama secara syariah based on Murabahah and ijarah financing
berdasarkan akad Murabahah dan ijarah. contract.
Piutang Murabahah Murabahah receivables
Piutang Murabahah merupakan jumlah piutang Murabahah receivables are stated net of joint
setelah dikurangi dengan bagian pembiayaan financing receivables where joint financing
bersama dimana risiko kredit ditanggung oleh provides bear credit risk in accordance with its
pemberi pembiayaan bersama sesuai dengan portion (without recourse), deferred margin
porsinya (without recourse), penghasilan marjin income and the allowance for impairment losses.
ditangguhkan dan penyisihan kerugian
penurunan nilai.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
i. Pembiayaan syariah (lanjutan) i. Sharia financing (continued)
Piutang Murabahah (lanjutan) Murabahah receivables (continued)
Piutang Murabahah yang dibiayai bersama pihak Murabahah receivables where the Company and
lain, dimana masing-masing pihak menanggung joint financing providers bear credit risk in
risiko kredit sesuai dengan porsinya (without accordance with their portion (without recourse)
recourse) disajikan di laporan posisi keuangan are presented on a net basis in the statements of
secara bersih. Pendapatan margin dan beban financial position. Murabahah margin income
marjin Murabahah yang terkait dengan and margin expenses related to Murabahah joint
pembiayaan bersama Murabahah without financing without recourse are also presented in
recourse disajikan secara bersih di laporan laba a net basis in the statements of profit or loss and
rugi dan penghasilan komprehensif lainnya. other comprehensive income.
Dalam pembiayaan bersama without recourse, For joint financing without recourse, the
Perseroan berhak menentukan tingkat marjin Company has the right to set higher margin rates
yang lebih tinggi kepada konsumen dari tingkat to customers than those stated in the joint
marjin yang ditetapkan dalam perjanjian dengan financing agreements with joint financing
pemberi pembiayaan bersama. Selisihnya, providers. The difference is recognised as part of
diakui sebagai pendapatan marjin Murabahah unearned Murabahah financing income and
yang belum diakui dan diakui sebagai recognised as Murabahah margin income over
pendapatan marjin sesuai dengan jangka waktu the term of the contract using effective rate of
kontrak dengan menggunakan metode tingkat return.
pengembalian efektif.
Penghasilan marjin Murabahah yang belum Murabahah margin unearned income is the
diakui merupakan selisih antara jumlah difference between total installments to be
keseluruhan pembayaran angsuran yang akan received from customers and the total financing
diterima dari konsumen dengan jumlah pokok which is recognised as income over the term of
pembiayaan yang akan diakui sebagai the contract using annuity method.
penghasilan sesuai dengan jangka waktu
kontrak dengan menggunakan metode anuitas.
Piutang Murabahah diklasifikasikan sebagai aset Murabahah receivables are classified as financial
keuangan yang diukur pada biaya perolehan assets measured at amortised cost. Refer to
diamortisasi. Lihat Catatan 2d untuk perlakuan Note 2d for the accounting policy of financial
akuntansi aset keuangan yang diukur pada assets measured at amortised cost.
biaya perolehan diamortisasi.
Piutang ijarah Ijarah receivables
Piutang ijarah adalah tagihan yang timbul dari Ijarah receivables represent claims arising from
pembiayaan berdasarkan akad ijarah. financing based on Ijarah contract
Akad ijarah adalah akad penyediaan dana Ijarah contract is a contract on provision of fund
dalam rangka memindahkan hak-guna atau in relation to transferring of right to use or benefit
manfaat dari suatu barang atau jasa of the good or service based on the rental
berdasarkan transaksi sewa, tanpa diikuti transaction without transferring the ownership of
dengan pemindahan kepemilikan barang the goods to the lessee.
tersebut kepada penyewa.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
i. Pembiayaan syariah (lanjutan) i. Sharia financing (continued)
Piutang ijarah (lanjutan) Ijarah receivables (continued)
Piutang ijarah terdiri dari piutang ijarah multijasa Ijarah receivables consist of multi-services ijarah
dan aset yang diperoleh untuk ijarah yang telah receivables and overdue assets acquired for
jatuh tempo. Piutang ijarah multijasa adalah ijarah. Multi-services ijarah receivables are the
porsi pokok atas pendapatan sewa yang belum principal portion of unpaid rent income at
dibayar sampai dengan jatuh tempo, sedangkan maturity, meanwhile overdue assets acquired for
aset yang diperoleh untuk ijarah yang telah jatuh ijarah are the portion of rent income that is
tempo adalah pendapatan sewa yang telah jatuh already due and not yet been paid by customer.
tempo dan belum dibayar. Cadangan kerugian Allowance for impairment losses accounts on
penurunan nilai atas piutang ijarah disajikan ijarah receivables are presented as a contra
sebagai pos lawan piutang ijarah. Perseroan account of ijarah receivables. The Company
mencatat ujrah ijarah atas aset yang akan records ujrah receivables of ijarah of assets and
diterima dan ijarah multijasa yang akan diterima multiservices ijarah as other assets.
sebagai aset lainnya.
Aset yang diperoleh untuk ijarah Assets acquired for ijarah
Aset yang diperoleh untuk ijarah merupakan The assets acquired for ijarah represent a lease
sewa menyewa aset untuk mempertukarkan of assets to exchange benefits and ujrah
manfaat dan ujrah tanpa perpindahan (compensation) without transferring ownership of
kepemilikan aset dengan atau tanpa wa’d untuk the assets, with or without a promise (wa’d) to
memindahkan kepemilikan dari pemilik (mu’jir) transfer ownership from the owner (mu’jir) to the
kepada penyewa (musta’jir) pada saat tertentu. lessee (musta’jir) at a specific time.
Ijarah muntahiyah bittamlik adalah sewa Ijarah muntahiyah bittamlik is a lease transaction
menyewa antara pemilik objek sewa dan between the lessor and lessee to obtain fee from
penyewa untuk mendapatkan imbalan atas objek the object leased with the option of transferring
sewa yang disewakan dengan opsi perpindahan the title through purchase or grant after the akad
hak milik objek sewa baik dengan jual beli atau ijarah has been completed or ended.
pemberian (hibah) setelah selesai atau
diakhirinya akad ijarah.
Aset yang diperoleh untuk ijarah merupakan aset Assets acquired for ijarah represent object of
yang menjadi objek transaksi sewa atas aset leased assets and are recorded in the statement
dan dicatat di laporan posisi keuangan sebesar of financial position at the acquisition cost, net of
harga perolehan dikurangi akumulasi accumulated depreciation.
penyusutan.
Objek sewa dalam transaksi ijarah atas aset Leased object in ijarah of assets transaction is
disusutkan sesuai kebijakan penyusutan aset depreciated based on the depreciation policy for
sejenis, sedangkan objek sewa dalam ijarah similar assets, while leased object in ijarah
muntahiyah bittamlik disusutkan sesuai masa muntahiyah bittamlik transaction is depreciated
sewa. based on leased term.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI 2. MATERIAL ACCOUNTING POLICY
MATERIAL (lanjutan) INFORMATION (continued)
i. Pembiayaan syariah (lanjutan) i. Sharia financing (continued)
Aset yang diperoleh untuk ijarah (lanjutan) Assets acquired for ijarah (continued)
Perpindahan hak milik objek sewa kepada The transfer of ownership right on the leased
penyewa dalam ijarah muntahiyah bittamlik object to the lessee in ijarah muntahiyah bittamlik
dapat dilakukan dengan cara: can be conducted through:
(i) hibah; atau (i) a grant; or
(ii) penjualan. (ii) sales.
Nilai tercatat aset segera diturunkan sebesar The carrying value of asset is immediately
jumlah yang dapat dipulihkan jika nilai tercatat impaired to its recoverable amount if the asset's
aset lebih besar dari estimasi jumlah yang dapat carrying amount is greater than the estimated
dipulihkan. recoverable amount.
Ijarah atas jasa (multijasa) adalah ijarah atas Ijarah of services (multi-service) is ijarah for the
manfaat dari jasa. Ijarah multijasa secara tidak benefits of services. Indirect multi-service ijarah is
langsung yaitu ijarah atas jasa yang mana an ijarah for services where another entity
entitas lain yang memberikan jasa kepada provides services to the lessee. Indirect multi-
penyewa. Ijarah multijasa tidak langsung tidak service ijarah does not recognise assets acquired
mengakui aset yang diperoleh untuk ijarah. for ijarah. The Company recognise the unpaid
Perseroan mengakui saldo pokok ijarah principal balance of the multi-service ijarah as
multijasa yang belum dibayar sebagai piutang multi-service ijarah receivable.
ijarah multijasa.
Sumber dan penyaluran dana kebajikan Sources and uses of qardhul hasan funds
Sanksi diberikan kepada nasabah yang mampu Sanctions were charged to debtors who are able
membayar, tetapi menunda pembayaran dengan to pay, but deliberately delay payments.The
sengaja dikenakan sanksi berupa sejumlah uang amount of sanctions are not determined on the
yang besarnya tidak ditentukan atas dasar basis of an agreement and not made when the
kesepakatan dan tidak dibuat saat akad contract is signed. The funds from sanctions will
ditandatangani. Dana yang berasal dari sanksi be used for charity/qardhul hasan funds.
diperuntukkan untuk dana sosial/kebajikan.
j. Beban dibayar dimuka j. Prepayments
Beban dibayar dimuka diamortisasi dan Prepayments are amortised and charged as an
dibebankan selama masa manfaat masing- expense over the period of benefit using the
masing biaya dengan menggunakan metode straight-line method.
garis lurus.
Ketika jaminan kendaraan ditarik karena When collateral assets are repossessed
konsumen tidak dapat memenuhi kewajibannya, because customers cannot fulfill their
piutang pembiayaan konsumen obligations, consumer financing receivables are
direklasifikasikan menjadi piutang pembiayaan reclassified as consumer financing receivables
dalam perhatian khusus. Piutang pembiayaan with special mention. Consumer financing
dalam perhatian khusus dinyatakan sebesar nilai receivables with special mention are stated at
tercatat piutang pembiayaan konsumen terkait carrying value of related consumer financing
dikurangi penyisihan kerugian penurunan nilai. receivables’ deducted with allowance for
impairment losses.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI 2. MATERIAL ACCOUNTING POLICY
MATERIAL (lanjutan) INFORMATION (continued)
k. Piutang pembiayaan dalam perhatian khusus k. Consumer financing receivables with special
mention
Konsumen memberi kuasa kepada Perseroan In case of default, customers give the right to the
untuk menjual kendaraan ataupun melakukan Company to sell the vehicles or take any other
tindakan lainnya dalam upaya penyelesaian actions to settle the outstanding receivables.
piutang bila terjadi wanprestasi terhadap Differences between the proceeds from
perjanjian pembiayaan. Selisih lebih antara hasil settlement of consumer financing receivables
penyelesaian piutang bersih konsumen with special mention and the outstanding
merupakan hak dari konsumen. Sedangkan receivables if positive are refunded to customers.
selisih kurang akan dibebankan sebagai If negative, they are charged to write off other
penghapusan piutang lain-lain. receivables.
l. Aset tetap l. Fixed assets
Aset tetap, kecuali tanah, diakui sebesar harga Fixed assets, except land, are stated at cost less
perolehan setelah dikurangi akumulasi accumulated depreciation in accordance with
penyusutan sesuai dengan PSAK 216: “Aset SFAS 216: “Fixed Assets”.
Tetap”.
Harga perolehan mencakup pengeluaran yang Acquisition cost includes expenditure that is
terkait secara langsung dengan perolehan aset directly attributable to the acquisition of the fixed
tetap. assets.
Biaya legal awal untuk mendapatkan hak legal Initial legal costs incurred to obtain legal rights
diakui sebagai bagian biaya akuisisi tanah, dan are recognised as part of the acquisition cost of
biaya-biaya tersebut tidak didepresiasikan. the land, and these costs are not depreciated.
Tanah tidak disusutkan. Land is not depreciated.
Penyusutan aset tetap dihitung dengan Depreciation on fixed assets is calculated on the
menggunakan metode garis lurus sepanjang straight-line method over their estimated useful
estimasi masa manfaat, sampai dengan nilai lives, to their residual values, as follows:
residunya, sebagai berikut:
Tahun/Years Tarif/Rates
Bangunan 20 5% Buildings
Prasarana bangunan 3 33% Building improvements
Kendaraan 4 25% Vehicles
Peralatan kantor 3-4 25% - 33% Office equipment
Perabot kantor 3 33% Furniture and fixtures
Biaya pemeliharaan dan perbaikan diakui Maintenance and repairs are charged as an
sebagai beban pada saat terjadinya. expense as incurred. Expenditure which extends
Pengeluaran yang memperpanjang masa the future life of assets or provides further
manfaat aset atau yang memberikan tambahan economic benefits is capitalised to the related
manfaat ekonomis dikapitalisasi pada aset yang assets and depreciated.
bersangkutan dan disusutkan.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
l. Aset tetap (lanjutan) l. Fixed assets (continued)
Perseroan menganalisa fakta dan keadaan The Company analyses the facts and
untuk masing-masing jenis hak atas tanah dalam circumstances for each type of land rights in
menentukan akuntansi untuk masing-masing determining the accounting for each of these
hak atas tanah tersebut sehingga dapat land rights so that it can accurately represent an
merepresentasikan dengan tepat suatu kejadian underlying economic event or transaction. If the
atau transaksi ekonomi yang mendasarinya. Jika land rights do not transfer control of the
hak atas tanah tersebut tidak mengalihkan underlying assets to the Company, but gives the
pengendalian atas aset pendasar kepada rights to use the underlying assets, the Company
Perseroan, melainkan mengalihkan hak untuk applies the accounting treatment of these
menggunakan aset pendasar, Perseroan transactions as leases under SFAS 116:
menerapkan perlakuan akuntansi atas transaksi “Lease”, except if land rights substantially similar
tersebut sebagai sewa berdasarkan PSAK 116: to land purchases, the Company applies SFAS
“Sewa”, kecuali jika hak atas tanah secara 216: “Fixed Assets”.
substansi menyerupai pembelian tanah, maka
Perseroan menerapkan PSAK 216: “Aset
Tetap”.
Apabila nilai tercatat aset tetap lebih besar dari When the carrying amount of a fixed assets is
nilai yang dapat diperoleh kembali, nilai tercatat greater than its estimated recoverable amount, it
aset tersebut diturunkan menjadi sebesar nilai is written down immediately to its recoverable
yang dapat diperoleh kembali, yang ditentukan amount, which is determined based on the
berdasarkan nilai tertinggi antara nilai wajar higher of fair value less cost to sell and value in
dikurangi biaya untuk menjual dan nilai pakai. use.
Jumlah tercatat aset tetap dihentikan Fixed assets are derecognised upon disposal or
pengakuannya pada saat dilepaskan atau saat when no future economic benefits are expected
tidak ada manfaat ekonomis masa depan yang from their use or disposal. Any gain or loss
diharapkan dari penggunaan atau arising from derecognition of the asset
pelepasannya. Laba atau rugi yang timbul dari (calculated as the difference between the net
penghentian pengakuan aset tetap (dihitung disposal proceeds and the carrying amount of
sebagai perbedaan antara jumlah neto hasil the asset) is included in statements of profit or
pelepasan dan jumlah tercatat dari aset tetap) loss and other comprehensive income in the
dimasukkan dalam laporan laba rugi dan year the asset is derecognised.
penghasilan komprehensif lainnya pada periode
berjalan aset tetap tersebut dihentikan
pengakuannya.
Sesuai dengan PSAK 216, Perseroan memilih Under SFAS 216, the Company have chosen
untuk menggunakan metode biaya. the cost method.
Metode amortisasi, estimasi masa manfaat dan Amortisation method, useful lives and residual
nilai residual ditelaah pada setiap akhir periode values are reviewed at each financial period end
atau tahun pelaporan dan disesuaikan jika or year end and adjusted if appropriate.
dianggap tepat.
m. Liabilitas imbalan kerja m. Employee benefit obligations
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek diakui pada saat Short-term employee benefits are recognised
terutang kepada karyawan. when they accrue to the employees.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
m. Liabilitas imbalan kerja (lanjutan) m. Employee benefit obligations (continued)
Imbalan pensiun dan imbalan pascakerja Pension benefits and other post-employment
lainnya benefits
Perseroan memiliki program pensiun imbalan The Company have defined benefit and defined
pasti dan iuran pasti. contribution pension plans.
Program pensiun imbalan pasti adalah program A defined benefit pension plan is a pension plan
pensiun yang menetapkan jumlah imbalan that defines an amount of pension that will be
pensiun yang akan diterima oleh karyawan pada received by the employee on becoming entitled
saat pensiun, yang biasanya tergantung pada to a pension, which usually depends on one or
satu faktor atau lebih, seperti umur, masa kerja more factors such as age, years of service and
dan jumlah kompensasi (Dana Pensiun Astra 1). compensation (Astra Pension Fund 1).
Program pensiun iuran pasti adalah program A defined contribution plan is a pension plan
pensiun dimana Perseroan akan membayar under which the Company pay fixed
iuran tetap kepada sebuah entitas yang terpisah contributions into a separate entity (pension
(dana pensiun) (Dana Pensiun Astra 2). fund) (Astra Pension Fund 2).
Perseroan diharuskan menyediakan imbalan The Company is required to provide a minimum
pensiun minimum yang diatur dalam UU Cipta pension benefit as stipulated in the Job Creation
Kerja No. 11/2020, PP 35/2021 dan peraturan Act No. 11/2020, PP 35/2021 and Company
perusahaan tentang imbalan pascakerja (“IPK“), Regulations regarding Post-Employment
yang merupakan liabilitas imbalan pasti. Benefits ("IPK"), which represents an underlying
defined benefit obligation.
Liabilitas imbalan pensiun merupakan nilai kini The pension benefit obligation is the present
liabilitas imbalan pasti pada akhir periode value of the defined benefit obligation at end of
pelaporan dikurangi dengan nilai wajar aset the reporting period less the fair value of plan
program. Liabilitas imbalan pasti dihitung setiap assets. The defined benefit obligation is
tahun oleh aktuaris independen dengan calculated annually by an independent actuary
menggunakan metode projected unit credit. using the projected unit credit method.
Nilai kini liabilitas imbalan pasti ditentukan The present value of the defined benefit
dengan mendiskontokan estimasi arus kas di obligation is determined by discounting the
masa depan dengan menggunakan tingkat estimated future cash outflows using the yield at
bunga obligasi pemerintah jangka panjang pada end of the reporting period of long-term
akhir periode pelaporan dalam mata uang government bonds denominated in Rupiah in
Rupiah sesuai dengan mata uang di mana which the benefits will be paid and that have
imbalan tersebut akan dibayarkan dan yang terms to maturity similar to the related pension
memiliki jangka waktu yang sesuai dengan obligation.
liabilitas imbalan pensiun yang bersangkutan.
Pengukuran kembali yang timbul dari Remeasurements arising from experience
penyesuaian pengalaman dan perubahan dalam adjustments and changes in actuarial
asumsi-asumsi aktuarial langsung diakui assumptions are directly recognised in other
seluruhnya melalui penghasilan komprehensif comprehensive income. Accumulated
lainnya. Akumulasi pengukuran kembali remeasurements are reported in retained
dilaporkan di saldo laba. earnings.
Biaya jasa lalu diakui segera dalam laporan laba Past-service cost are recognised immediately in
rugi dan penghasilan komprehensif lainnya. the statements of profit or loss and other
comprehensive income.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
m. Liabilitas imbalan kerja (lanjutan) m. Employee benefit obligations (continued)
Imbalan pensiun dan imbalan pascakerja Pension benefits and other post-employment
lainnya (lanjutan) benefits (continued)
Keuntungan atau kerugian dari kurtailmen atau Gains or losses on the curtailment or settlement
penyelesaian program manfaat pasti diakui di of a defined benefit plan are recognised in profit
laba rugi ketika kurtailmen atau penyelesaian or loss when the curtailment or settlement
tersebut terjadi. occurs.
Perseroan memberikan imbalan pascakerja The Company also provide other post-
lainnya, seperti uang pisah, cuti masa persiapan employment benefits, such as separation pay,
pensiun dan uang penghargaan. Imbalan berupa retirement preparation leave and service pay.
uang pisah, dibayarkan kepada karyawan yang The separation pay benefit is paid to employees
mengundurkan diri secara sukarela, setelah who voluntarily resign, subject to a minimum
memenuhi minimal masa kerja tertentu. Cuti number of years of service. Entitlement to
masa persiapan pensiun umumnya diberikan retirement preparation leave vests typically three
tiga atau enam bulan sebelum memasuki usia or six months before retirement. The service pay
pensiun. Imbalan berupa uang penghargaan benefit vests when the employees reach their
diberikan apabila karyawan bekerja hingga retirement age. These benefits are accounted for
mencapai usia pensiun. Imbalan ini dihitung using the same methodology as for the defined
dengan menggunakan metodologi yang sama benefit pension plan.
dengan metodologi yang digunakan dalam
perhitungan program pensiun imbalan pasti.
Imbalan jangka panjang lainnya Other long-term benefits
Imbalan jangka panjang lainnya seperti cuti Other long-term employee benefits such as long
berimbalan jangka panjang dan penghargaan service leave and jubilee awards are calculated
jubilee dihitung dengan menggunakan metode using the projected unit credit method and
projected unit credit dan didiskontokan ke nilai discounted to present value. These benefits are
kini. Imbalan ini dihitung dengan menggunakan accounted for using the same methodology as
metodologi yang sama dengan metodologi yang for the defined benefit pension plan, except for
digunakan dalam perhitungan program pensiun remeasurements which are recognised in profit
imbalan pasti, kecuali untuk pengukuran kembali or loss.
yang diakui pada laba rugi.
n. Dividen n. Dividends
Pembagian dividen kepada para pemegang Dividend distribution to the Company’s
saham Perseroan diakui sebagai liabilitas dalam shareholders is recognised as a liability in the
laporan keuangan pada saat dividen tersebut financial statements when the dividends are
disetujui oleh para pemegang saham Perseroan. approved by the Company’s shareholders.
Pembagian dividen interim diakui sebagai Interim dividend distributions are recognised as a
liabilitas ketika dividen disetujui berdasarkan liability when the dividends are approved based
keputusan rapat Direksi sesuai dengan on a Board of Directors’ resolution in accordance
Anggaran Dasar Perseroan. with the Company’s Articles of Association.
o. Pengakuan pendapatan dan beban o. Revenue and expenses recognition
Penghasilan dan beban bunga untuk semua Interest income and expense for all interest
instrumen keuangan dengan interest bearing, bearing financial instruments are recognised
masing-masing dicatat dalam “penghasilan within “consumer financing income and interest
pembiayaan konsumen dan penghasilan bunga” income” and “interest expense” respectively in
serta “beban bunga” di dalam laporan laba rugi the statements of profit or loss and other
dan penghasilan komprehensif lainnya comprehensive income using the effective
menggunakan metode suku bunga efektif. interest rate method.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
o. Pengakuan pendapatan dan beban (lanjutan) o. Revenue and expenses recognition
(continued)
Metode suku bunga efektif adalah metode yang The effective interest method is a method of
digunakan untuk menghitung biaya perolehan calculating the amortised cost of a financial asset
diamortisasi dari aset keuangan atau liabilitas or a financial liability and of allocating the interest
keuangan dan metode untuk mengalokasikan income or interest expense over the relevant
penghasilan bunga atau beban bunga selama period. The effective interest rate is the rate that
tahun-tahun relevan. Suku bunga efektif adalah precisely discounts estimated future cash
suku bunga yang secara tepat mendiskontokan payments or receipts through the expected life of
estimasi pembayaran atau penerimaan kas di the financial instrument or, when appropriate,
masa datang selama perkiraan umur dari use a shorter period to the net carrying amount
instrumen keuangan, atau jika lebih tepat, of the financial asset or financial liability. When
digunakan tahun-tahun lebih singkat untuk calculating the effective interest rate, the
memperoleh nilai tercatat bersih dari aset Company estimates cash flows considering all
keuangan atau liabilitas keuangan. Pada saat contractual terms of the financial instrument but
menghitung suku bunga efektif, Perseroan does not consider future credit losses. These
mengestimasi arus kas dengan calculations include transaction costs.
mempertimbangkan seluruh persyaratan
kontraktual dalam instrumen keuangan tersebut,
namun tidak mempertimbangkan kerugian kredit
di masa datang. Perhitungan ini mencakup biaya
transaksi.
Penghasilan margin pembiayaan Murabahah Margin income from Murabahah financing is
diakui berdasarkan metode effective rate of recognised based on the effective rate of return
return selama jangka waktu tertentu. method during the period of contract.
Denda keterlambatan pembayaran diakui pada Late payment penalties are recognised when the
saat penerimaan dapat dipastikan. realisation is certain.
Penghasilan dan beban lainnya diakui pada saat Other income and expenses are recognised as
terjadinya, menggunakan dasar akrual. incurred on an accrual basis.
Pendapatan dan beban dicatat antara lain Income and expense are recorded amongst
sesuai dengan PSAK 115 - ”Pendapatan dari others in accordance with SFAS 115 - “Revenue
Kontrak dengan Pelanggan” dan PSAK 109 - from Contracts with Customers” and SFAS 109 -
“Instrumen Keuangan”. “Financial Instrument”.
p. Pendapatan pengelolaan dana oleh p. Income from fund management by the
Perseroan sebagai Mudharib Company as Mudharib
Pendapatan pengelolaan dana oleh Perseroan Income from fund management by the Company
sebagai mudharib terdiri atas pendapatan as mudharib consists of income from ijarah
pembiayaan dengan akad ijarah (sewa). (leasing).
Pendapatan ijarah muntahiyah bittamlik (“IMBT”) Income from ijarah muntahiyah bittamlik (“IMBT”)
diakui selama masa akad secara merata sejak is recognised over the contract period evenly
aset tersedia sampai akhir akad. Perseroan from the time the assets become available until
mengakui pendapatan ijarah multijasa porsi the end of the contract. The Company
pokok sejak konsumen menerima jasa dari recognises the principal portion of income from
pihak penyedia jasa berdasarkan kemajuan jasa multi-services ijarah from the time the customer
yang diberikan dan sejumlah biaya jasa yang receives services from the service provider
harus dibayarkan Perseroan kepada pihak based on the progress of the services provided
penyedia jasa. Perseroan mengakui pendapatan and the amount of service fees that must be paid
margin ijarah multijasa secara merata setelah by the Company to the service provider. The
selesainya pemberia jasa oleh pihak penyedia Company recognises income from multi-services
jasa selama masa akad ijarah antara Perseroan ijarah margin evenly after the completion of
dan konsumen. Penghasilan IMBT dan ijarah service by the service provide during the period
multijasa disajikan secara neto setelah dikurangi of the ijarah contract between the Company and
beban terkait di laba rugi. the customer. Income from IMBT and multi-
services ijarah are presented on a net basis after
deducting the related expenses profit or loss.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
p. Pendapatan pengelolaan dana oleh p. Income from fund management by the
Perseroan sebagai Mudharib (lanjutan) Company as Mudharib (continued)
Untuk transaksi ijarah, setoran dari debitur For ijarah transaction, repayment from debtor
dengan kualitas non-performing diperlakukan with non-performing quality is treated as
sebagai pelunasan piutang sewa. repayment of rent receivable.
q. Penjabaran mata uang asing q. Foreign currency translation
Mata uang pelaporan Reporting currency
Laporan keuangan disajikan dalam mata uang The financial statements are presented in
Rupiah, yang merupakan mata uang Rupiah, which is the functional currency of the
fungsional Perseroan. Company.
Transaksi dan saldo Transactions and balances
Transaksi dalam mata uang asing dijabarkan Transactions denominated in foreign
ke dalam mata uang Rupiah dengan currencies are translated into Rupiah at the
menggunakan kurs yang berlaku pada tanggal exchange rates prevailing at the transaction
transaksi. Pada tanggal laporan posisi date. At statements of financial position date,
keuangan, aset dan liabilitas moneter dalam monetary assets and liabilities denominated in
mata uang asing dijabarkan dengan kurs yang foreign currencies are translated at the
berlaku pada tanggal laporan posisi keuangan. exchange rates prevailing at financial position
date.
Keuntungan dan kerugian selisih kurs yang Exchange gains and losses arising on
timbul dari transaksi dalam mata uang asing dan transactions in foreign currencies and on the
penjabaran aset dan liabilitas moneter dalam translation of foreign currency monetary assets
mata uang asing diakui pada laba rugi. and liabilities are recognised in the profit or loss.
Pada tanggal 31 Desember 2024 dan 2023, kurs As of 31 December 2024 and 2023, the foreign
nilai tukar yang digunakan adalah kurs tengah currency exchange rates used for translation of
Bank Indonesia yang digunakan untuk foreign currencies to Rupiah are the Bank
penjabaran mata uang asing terhadap Rupiah Indonesia middle rates, as follows (full Rupiah
adalah sebagai berikut (Rupiah penuh): amount):
2024 2023
Dolar AS 16,162 15,416 US Dollar
r. Instrumen keuangan derivatif dan akuntansi r. Derivative financial instruments and hedge
lindung nilai accounting
Derivatif pada awalnya diakui sebesar nilai wajar Derivative are initially recognised at fair value on
pada tanggal kontrak derivatif disepakati dan the date a derivative contract is entered into and
selanjutnya diukur kembali sebesar nilai are subsequently remeasured at their fair values.
wajarnya. Metode untuk mengakui keuntungan The method of recognising the resulting gain or
atau kerugian yang dihasilkan tergantung loss depends on whether the derivative is
apakah derivatif ditetapkan sebagai instrumen designated as a hedging instrument, and if so,
lindung nilai, dan jika demikian, sifat item yang the nature of the item being hedged. The
dilindung nilai. Perseroan menetapkan derivatif Company designates certain derivative as either:
tertentu sebagai:
(a) lindung nilai atas nilai wajar aset atau (a) hedges of the fair value of recognised
liabilitas yang diakui atau komitmen pasti assets or liabilities or unrecognised firm
yang belum diakui (lindung nilai wajar); atau commitment (fair value hedge); or
(b) lindung nilai risiko tertentu yang terkait (b) hedges of a particular risk associated with a
dengan aset atau liabilitas atau transaksi recognised asset or liability or a highly
yang diperkirakan kemungkinan besar probable forecast transaction (cash flow
terjadi (lindung nilai arus kas). hedge).
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
r. Instrumen keuangan derivatif dan akuntansi r. Derivative financial instruments and hedge
lindung nilai (lanjutan) accounting (continued)
Pada awal hubungan lindung nilai, Perseroan At the inception of the hedge relationship, the
mendokumentasikan hubungan antara Company documents the economic relationship
instrumen lindung nilai dengan item yang between hedging instruments and hedged items,
dilindung nilai, beserta tujuan manajemen risiko as well as its risk management objectives and
dan strategi pelaksanaan transaksi lindung nilai. strategy for undertaking various hedging
Perseroan juga mendokumentasikan transactions. The Company also documents its
penilaiannya, pada saat dimulainya lindung nilai assessment, both at hedge inception and on an
dan secara berkesinambungan, apakah derivatif ongoing basis, of whether the derivative that are
yang digunakan dalam transaksi lindung nilai used in hedging transactions are highly effective
sangat efektif dalam menghapus dampak in offsetting changes in fair values or cash flows
perubahan nilai wajar atau arus kas item yang of hedged items.
dilindung nilai.
Nilai wajar penuh derivatif lindung nilai The full fair value of a hedging derivative is
diklasifikasikan sebagai aset tidak lancar atau classified as a non-current asset or liability when
liabilitas jangka panjang jika jatuh tempo yang the remaining maturity of hedged item is more
tersisa untuk item yang dilindung nilai melebihi than 12-months, and as a current asset or liability
12 bulan, dan sebagai aset lancar atau liabilitas when the remaining maturity of the hedged item
jangka pendek jika jatuh tempo yang tersisa is less than 12-months. Trading derivative are
kurang dari 12 bulan. Derivatif yang classified as a current asset or liability.
diperdagangkan diklasifikasikan sebagai aset
lancar atau liabilitas jangka pendek.
Lindung nilai arus kas Cash flow hedge
Bagian efektif atas perubahan nilai wajar derivatif The effective portion of changes in the fair value
yang ditetapkan dan memenuhi kriteria sebagai of derivative that are designated and qualify as a
lindung nilai arus kas diakui pada pendapatan cash flow hedge is recognised in other
komprehensif lain. Keuntungan dan kerugian comprehensive income. The gain or loss relating
terkait dengan bagian tidak efektif diakui to the ineffective portion is recognised
langsung pada laporan laba rugi di dalam immediately in the statements of profit or loss
“Beban bunga dan keuan gan”. within “Interest and financing charges”.
Jumlah yang terakumulasi pada ekuitas Amounts accumulated in equity are recycled to
direklasifikasi ke dalam laporan laba rugi dan laporan laba rugi dan penghasilan komprehensif
penghasilan komprehensif lainnya pada periode lainnya in the periods when the hedged item
sama dimana item yang dilindung nilai affects profit or loss (for example, when the
mempengaruhi laba rugi (misalnya, ketika forecast sale that is hedged takes place). The
prakiraan penjualan yang dilakukan lindung nilai gain or loss relating to the effective portion of
terjadi). Keuntungan dan kerugian yang interest rate swaps hedging floating rate
berhubungan dengan bagian efektif swap tingkat borrowings is recognised in the profit or loss
bunga sebagai instrumen lindung nilai pinjaman within “Interest and financing charges”.
dengan suku bunga bervariasi diakui dalam
laporan laba rugi pada “Beban bunga dan
keuangan”.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
r. Instrumen keuangan derivatif dan akuntansi r. Derivative financial instruments and hedge
lindung nilai (lanjutan) accounting (continued)
Lindung nilai arus kas (lanjutan) Cash flow hedge (continued)
Ketika instrumen lindung nilai telah kedaluwarsa When a hedging instrument expires or is sold, or
atau dijual, atau ketika lindung nilai tidak lagi when a hedge no longer meets the criteria for
memenuhi kriteria akuntansi lindung nilai, hedge accounting, any cumulative gain or loss
keuntungan atau kerugian kumulatif yang masih existing in equity at that time remains in equity
ada di dalam ekuitas pada saat itu tetap berada and is recognised when the forecast transaction
pada ekuitas dan diakui ketika prakiraan transaksi is ultimately recognised in the profit or loss.
pada akhirnya diakui pada laporan laba rugi. When a forecast transaction is no longer
Ketika prakiraan transaksi tidak lagi diharapkan expected to occur, the cumulative gain or loss
terjadi, keuntungan atau kerugian kumulatif yang that was reported in equity is immediately
telah dilaporkan pada ekuitas segera ditransfer transferred to the profit or loss within “Interest
pada laporan laba rugi dalam “Beban bunga dan and financing charges”.
keuangan”.
s. Perpajakan s. Taxation
Beban pajak terdiri dari pajak kini dan pajak The tax expense comprises current and
tangguhan. Pajak diakui laba rugi, kecuali jika deferred tax. Tax is recognised in the profit or
pajak tersebut terkait dengan transaksi atau loss, except to the extent that it relates to items
kejadian yang diakui pendapatan komprehensif recognised in other comprehensive income or
lain atau langsung diakui ke ekuitas. Dalam hal directly in equity. In this case, the tax is also
ini, pajak tersebut masing-masing diakui dalam recognised in other comprehensive income or
pendapatan komprehensif lain atau ekuitas. directly in equity, respectively.
Beban pajak kini dihitung berdasarkan peraturan The current income tax charge is calculated on
perpajakan yang berlaku atau yang secara the basis of the tax laws enacted or
substantif berlaku pada akhir periode pelaporan, substantively enacted at the end of the reporting
di negara dimana Perseroan beroperasi dan period in the countries where the Company
menghasilkan pendapatan kena pajak. operate and generate taxable income.
Manajemen secara periodik mengevaluasi posisi Management periodically evaluates positions
yang dilaporkan di Surat Pemberitahuan taken in tax returns with respect to situations in
Tahunan (“SPT”) sehubungan dengan situasi di which applicable tax regulation is subject to
mana aturan pajak yang berlaku membutuhkan interpretation. It establishes provisions where
interpretasi. Jika perlu, manajemen menentukan appropriate on the basis of amounts expected to
provisi berdasarkan jumlah yang diharapkan be paid to the tax authorities.
akan dibayar kepada otoritas pajak.
Pajak penghasilan tangguhan diakui Deferred income tax is provided in full, using the
sepenuhnya, dengan menggunakan metode liability method, on temporary differences which
liabilitas untuk semua perbedaan temporer yang arise from the difference between the tax bases
berasal dari selisih antara dasar pengenaan of assets and liabilities and their carrying
pajak aset dan liabilitas dengan nilai tercatatnya amounts in the financial statements. However,
pada laporan keuangan. Namun, liabilitas pajak deferred tax liabilities are not recognised if they
penghasilan tangguhan tidak diakui jika berasal arise from the initial recognition of goodwill.
dari pengakuan awal goodwill. Pajak Deferred income tax is also not accounted for if it
penghasilan tangguhan juga tidak arises from initial recognition of an asset or
diperhitungkan jika pajak penghasilan tangguhan liability in a transaction other than a business
tersebut timbul dari pengakuan awal aset atau combination that at the time of the transaction
pengakuan awal liabilitas dalam transaksi yang affects neither accounting nor taxable profit or
bukan kombinasi bisnis yang pada saat transaksi loss.
tidak mempengaruhi laba akuntansi atau laba
kena pajak/rugi pajak.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
s. Perpajakan (lanjutan) s. Taxation (continued)
Pajak penghasilan tangguhan diukur dengan Deferred income tax is determined using tax
menggunakan tarif pajak yang sudah rates that have been enacted or substantially
diberlakukan atau secara substantif berlaku pada enacted by the end of the reporting period and
akhir periode pelaporan dan diekspektasi akan are expected to apply when the related deferred
digunakan ketika aset pajak tangguhan yang income tax asset is realised or the deferred
berhubungan direalisasi atau liabilitas pajak income tax liability is settled.
tangguhan diselesaikan.
Aset pajak tangguhan diakui hanya jika Deferred tax assets are recognised only if it is
kemungkinan jumlah penghasilan kena pajak di probable that future taxable amounts will be
masa depan akan memadai untuk dikompensasi available to utilise those temporary differences
dengan perbedaan temporer yang masih dapat and losses.
dimanfaatkan.
Aset dan liabilitas pajak penghasilan tangguhan Deferred tax assets and liabilities are offset when
dapat saling hapus apabila terdapat hak yang there is a legally enforceable right to offset
berkekuatan hukum untuk melakukan saling current tax assets and liabilities and when the
hapus antara aset pajak kini dengan liabilitas deferred tax balances relate to the same taxation
pajak kini dan apabila aset dan liabilitas pajak authority. Current tax assets and tax liabilities are
penghasilan tangguhan dikenakan oleh otoritas offset where the entity has a legally enforceable
perpajakan yang sama. Aset pajak kini dan right to offset and intends either to settle on a net
liabilitas pajak kini akan saling hapus ketika basis, or to realise the asset and settle the
entitas memiliki hak yang berkekuatan hukum liability simultaneously.
untuk melakukan saling hapus dan adanya niat
untuk melakukan penyelesaian saldo-saldo
tersebut secara neto atau untuk merealisasikan
dan menyelesaikan liabilitas secara bersamaan.
Manajemen juga dapat membentuk Management can also provide provision for
pencadangan terhadap liabilitas pajak di masa future tax liability at the amount that will be paid
depan sebesar jumlah yang diestimasikan akan to tax authorities on the probable exposure
dibayarkan ke kantor pajak jika berdasarkan based on assessment as at statements of
evaluasi pada tanggal laporan posisi keuangan financial position. Assumption and estimation
terdapat risiko pajak yang kemungkinan terjadi. used may involve element of uncertainty.
Asumsi dan estimasi yang digunakan dalam
perhitungan cadangan tersebut memiliki unsur
ketidakpastian.
Pajak final Final tax
Peraturan perpajakan di Indonesia mengatur Tax regulation in Indonesia determined that
beberapa jenis penghasilan dikenakan pajak certain taxable income is subject to final tax.
yang bersifat final. Pajak final yang dikenakan Final tax applied to the gross value of
atas nilai bruto transaksi tetap dikenakan transactions is applied even when the parties
walaupun atas transaksi tersebut pelaku carrying the transaction incur losses.
transaksi mengalami kerugian.
Mengacu pada PSAK 212 - “Pajak Penghasilan”, Refer to SFAS 212 - “Income Taxes”, final tax is
pajak final tidak termasuk dalam ruang no longer governed. The Company decided to
lingkupnya. Perseroan memutuskan menyajikan present final tax arising from interest income
beban pajak final sehubungan dengan from current accounts in “operating expense”.
pendapatan bunga dan rekening giro dalam
“beban usaha”.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
t. Surat berharga yang diterbitkan t. Securities issued
Surat berharga yang diterbitkan berupa obligasi. Securities issued consist of bonds.
Surat berharga yang diterbitkan diklasifikasikan Securities issued are classified as financial
sebagai liabilitas keuangan yang diukur dengan liabilities at amortised cost. Incremental cost
biaya perolehan diamortisasi. Biaya tambahan directly attributable to the issuance of securities
yang dapat diatribusikan secara langsung are deducted from the amount of securities
dengan penerbitan surat berharga dikurangkan issued and amortised using effective interest rate
dari jumlah surat berharga yang diterbitkan dan method. Refer to Note 2d for accounting policy of
diamortisasi menggunakan suku bunga efektif. financial liabilities at amortised cost.
Lihat Catatan 2d untuk kebijakan akuntansi atas
liabilitas keuangan yang diukur dengan biaya
perolehan diamortisasi.
Bunga atas surat berharga yang diterbitkan Interest on securities issued are recorded as
diakui sebagai “Beban bunga dan keuangan” “Interest and financing charges” using accrual
berdasarkan basis akrual. basis.
u. Laba bersih per saham dasar u. Basic earnings per share
Laba bersih per saham dihitung dengan Earnings per share are calculated by dividing net
membagi laba bersih dengan jumlah rata-rata income by the weighted average number of
tertimbang saham biasa yang beredar pada ordinary shares outstanding during the period.
periode bersangkutan.
Laba bersih per saham dilusian adalah sama Diluted earnings per share is the same with
dengan laba per saham dasar dikarenakan basic earnings per share as the Company do not
Perseroan tidak memiliki saham dilusian. have diluted shares.
v. Transaksi dengan pihak berelasi v. Transaction with related parties
Perseroan melakukan transaksi dengan pihak The Company have transactions with related
berelasi. Sesuai dengan PSAK 224 parties. In accordance with SFAS 224 “Related
“Pengungkapan Pihak-pihak Berelasi”, yang Party Disclosure”, the meaning of a related party
dimaksud dengan pihak yang berelasi adalah is a person or entity that is related to a reporting
orang atau entitas yang berelasi dengan entitas entity as follow:
pelapor sebagai berikut:
a. Orang atau anggota keluarga terdekatnya a. A person or a close member of that
berelasi dengan entitas pelapor jika orang person’s family is related to a reporting
tersebut: entity if that person:
i. memiliki pengendalian atau i. has control or joint control over the
pengendalian bersama terhadap entitas reporting entity;
pelapor;
ii. memiliki pengaruh signifikan terhadap ii. has significant influence over the
entitas pelapor; atau reporting entity; or
iii. personal manajemen kunci entitas iii. is member of the key management
pelapor atau entitas induk pelapor. personnel of the reporting entity or parent
of the reporting entity.
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CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
v. Transaksi dengan pihak berelasi (lanjutan) v. Transaction with related parties (continued)
Perseroan melakukan transaksi dengan pihak The Company have transactions with related
berelasi. Sesuai dengan PSAK 224 parties. In accordance with SFAS 224 “Related
“Pengungkapan Pihak-pihak Berelasi”, yang Party Disclosure”, the meaning of a related party
dimaksud dengan pihak yang berelasi adalah is a person or entity that is related to a reporting
orang atau entitas yang berelasi dengan entitas entity as follow: (continued)
pelapor sebagai berikut: (lanjutan)
b. Suatu entitas berelasi dengan entitas b. An entity is related to a reporting entity if any
pelapor jika memenuhi hal-hal sebagai of the following conditions applies:
berikut:
i. entitas dan entitas pelapor adalah i. the entity and the reporting entity are
anggota dari kelompok usaha yang members of the same the Company
sama (artinya entitas induk, entitas anak (which means that each parent,
dan entitas anak berikutnya terkait subsidiary and fellow subsidiary is
dengan entitas lain); related to the others);
ii. suatu entitas adalah entitas asosiasi ii. one entity is an associate or joint venture
atau ventura bersama bagi entitas lain of the other entity (or an associate or
(atau entitas asosiasi atau ventura joint venture of member of a Company of
bersama yang merupakan anggota which the other entity is a member);
suatu kelompok usaha, dimana entitas
lain tersebut adalah anggotanya);
iii. kedua entitas tersebut adalah ventura iii. both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
iv. suatu entitas adalah ventura bersama iv. one entity is a joint venture of a third
dari entitas ketiga dan entitas yang lain entity and the other entity is an associate
adalah entitas asosiasi dari entitas of the third entity;
ketiga;
v. entitas tersebut adalah suatu program v. the entity is a post-employment benefit
imbalan pascakerja untuk imbalan kerja plan for the benefit of employees of
dari suatu entitas pelapor atau entitas either the reporting entity or an entity
yang terkait dengan entitas pelapor; related to the reporting entity;
vi. entitas yang dikendalikan atau vi. the entity controlled or jointly controlled
dikendalikan bersama oleh orang yang by a person identified in (a);
diidentifikasi dalam butir (a);
vii. orang yang diidentifikasi, dalam butir (a) vii. a person identified in (a) (i) has
(i) memiliki pengaruh signifikan terhadap significant influence over the entity or is a
entitas atau anggota manajemen kunci member of the key management
entitas (atau entitas induk dari entitas). personnel of the entity (or of a parent of
the entity).
Jenis transaksi dan saldo dengan pihak berelasi, The nature of transactions and balances of
diungkapkan dalam Catatan 26. accounts with related parties are disclosed in
Note 26.
w. Pinjaman w. Borrowings
Pada saat pengakuan awal, pinjaman diakui Borrowings are initially recognised at fair value,
sebesar nilai wajar, dikurangi dengan biaya- net of transaction costs incurred. Subsequently,
biaya transaksi yang terjadi. Selanjutnya, borrowings are stated at amortised cost using
pinjaman diukur pada biaya perolehan the effective interest method.
diamortisasi dengan menggunakan metode suku
bunga efektif.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
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(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
w. Pinjaman (lanjutan) w. Borrowings (continued)
Bunga pinjaman diakui sebagai “Beban bunga Interest on borrowings are recorded as “Interest
dan keuangan” berdasarkan basis akrual. and financing charges” using accrual basis.
Pinjaman disajikan sebesar biaya perolehan Borrowings are stated at the amortised cost.
yang diamortisasi. Lihat Catatan 2d untuk Refer to Note 2d for the accounting policy for
kebijakan akuntansi atas kewajiban keuangan financial liabilities at amortised cost.
yang diukur dengan biaya perolehan
diamortisasi.
x. Sewa x. Leases
Pada tanggal permulaan kontrak, Perseroan At the inception of a contract, the Company
menilai apakah kontrak merupakan atau assess whether the contract is or contains a
mengandung sewa. Suatu kontrak merupakan lease. A contract is or contains a leases if the
atau mengandung sewa jika kontrak tersebut contract conveys the right to control the use of
memberikan hak untuk mengendalikan an identified assets for a period of time in
penggunaan aset identifikasian selama suatu exchange for consideration. The Company can
jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use assets
imbalan. Perseroan dapat memilih untuk tidak and lease liabilities for:
mengakui aset hak-guna dan liabilitas sewa
untuk:
- Sewa dengan jangka waktu kurang atau - Leases with a term of less or equal to
sama dengan 12 bulan dan tidak terdapat 12-months and there is no call option;
opsi beli;
- Sewa atas aset dengan nilai rendah. - Leases of low value asset.
Untuk menilai apakah kontrak memberikan hak To assess whether a contract conveys the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Perseroan harus menilai apakah: Company shall assess whether:
- Perseroan memiliki hak untuk - The Company has the right to obtain
mendapatkan secara substansial seluruh substantially all the economic benefit from
manfaat ekonomi dari penggunaan aset use of the asset throughout the period of
identifikasian; dan use; and
- Perseroan memiliki hak untuk - The Company has the right to direct the
mengarahkan penggunaan aset use of the asset. The Company has
identifikasian. Perseroan memiliki hak ini described when it has a decision-making
ketika Perseroan memiliki hak untuk rights that are the most relevant to change
pengambilan keputusan yang relevan how and for what purpose the asset is used
tentang bagaimana dan untuk tujuan apa are predetermined:
aset digunakan telah ditentukan
sebelumnya:
1. Perseroan memiliki hak untuk 1. The Company has the right to operate
mengoperasikan aset; dan the asset; and
2. Perseroan telah mendesain aset 2. The Company has designed the asset
dengan cara menetapkan in a way that predetermine how and
sebelumnya bagaimana dan untuk for what purpose it will be used.
tujuan apa aset akan digunakan
selama periode penggunaan.
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31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
x. Sewa (lanjutan) x. Leases (continued)
Pada tanggal permulaan sewa, Perseroan The Company recognise a right-of-use assets
mengakui aset hak-guna dan liabilitas sewa. and a leases liability at the leases
Aset hak-guna diukur pada biaya perolehan, commencement date. The right-of-use assets is
dimana meliputi jumlah pengukuran awal initially measured at cost, which comprises the
liabilitas sewa yang disesuaikan dengan initial amount of the leases liability adjusted for
pembayaran sewa yang dilakukan pada atau any leases payment made at or before the
sebelum tanggal permulaan, ditambah dengan commencement date, plus any initial direct cost
biaya langsung awal yang dikeluarkan. Aset hak- incurred. The right-of-use assets is amortised
guna diamortisasi dengan menggunakan over the straight-line method throughout the
metode garis lurus sepanjang jangka waktu lease term.
sewa.
Liabilitas sewa diukur pada nilai kini pembayaran The lease liability is initially measured at the
sewa yang belum dibayar pada tanggal present value of the lease payments that are not
permulaan, didiskontokan dengan menggunakan paid at the commencement date, discounted
suku bunga implisit dalam sewa atau jika suku using the implicit interest rate in the lease or, if
bunga tersebut tidak dapat ditentukan, maka that right cannot be readily determined, using
menggunakan suku bunga pinjaman incremental borrowing rate. Generally, the
inkremental. Pada umumnya, Perseroan Company uses incremental borrowing rate as a
menggunakan suku bunga pinjaman inkremental discount rate.
sebagai tingkat bunga diskonto.
Pembayaran sewa dialokasikan menjadi bagian Each leases payment is allocated between the
pokok dan biaya keuangan. Biaya keuangan liability and finance cost. The finance cost is
dibebankan pada laba rugi selama periode sewa charged to profit or loss over the leases period
sehingga menghasilkan tingkat suku bunga so as to produce a constant periodic rate of
periodik yang konstan atas saldo liabilitas untuk interest on the remaining balance of the liability
setiap periode. for each period.
Perseroan menyajikan aset hak-guna sebagai The Company presents right-of-use assets as
bagian dari “Aset tetap” dan liabilitas sewa part of “Fixed assets” and leases liabilities as
sebagai bagian dari “Utang lain-lain” di dalam part of “Other payables” in the statements of
laporan posisi keuangan. financial position.
Jika sewa mengalihkan kepemilikan aset If the leases transfers ownership of the
pendasar kepada Perseroan pada akhir masa underlying asset to the Company by the end of
sewa atau jika biaya perolehan aset hak-guna the leases term or if the cost of the right-of-use
merefleksikan Perseroan akan mengeksekusi assets reflects that the Company will exercise a
opsi beli, maka Perseroan menyusutkan aset purchase option, the Company depreciate the
hak-guna dari tanggal permulaan hingga akhir right-of-use assets from the commencement
umur manfaat aset pendasar. Jika tidak, maka date to the end of the useful life of the underlying
Perseroan menyusutkan aset hak-guna dari asset. Otherwise, the Company depreciate the
tanggal permulaan hingga tanggal yang lebih right-of-use assets from the commencement
awal antara akhir umur manfaat aset hak-guna date to the earlier of the end of the useful life of
atau akhir masa sewa. the right-of-use assets or the end of the leases
term.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. MATERIAL ACCOUNTING POLICY
(lanjutan) INFORMATION (continued)
y. Informasi segmen y. Segment information
Segmen operasi adalah suatu komponen dari An operating segment is a component of entity
entitas: which:
i. yang terlihat dalam aktivitas bisnis yang i. involves with business activities to generate
memperoleh penghasilan dan menimbulkan income and expenses (include income and
beban (termasuk penghasilan dan beban expenses relating to the transactions with
yang terkait dengan transaksi dengan other components with the same entity);
komponen lain dari entitas yang sama);
ii. hasil operasinya dikaji ulang secara berkala ii. whose operations result is reviewed
oleh kepala operasional untuk pembuatan regularly by the entity’s chief decision maker
keputusan tentang sumber daya yang to make decisions regarding the allocation of
dialokasikan pada segmen tersebut dan resources and to access its performance;
menilai kinerjanya; dan and
iii. tersedia informasi keuangan yang dapat iii. for which a separate financial information is
dipisahkan. available.
Perseroan menyajikan segmen operasi The Company presents operating segments
berdasarkan informasi yang disiapkan secara based on the information that provided internally
internal untuk pengambil keputusan operasional. to the chief operating decision maker. The
Pengambil keputusan operasional Perseroan Company’s chief operating decision maker are
adalah Direksi. Board of Directors.
Segmen operasi Perseroan disajikan The Company discloses operating segments
berdasarkan segmen produk usaha yang terdiri based on business product segment that
dari: kendaraan bermotor, elektronik dan lain- consists of motor vehicle, electronic and others.
lain. Segmen geografis Perseroan berdasarkan Geographical segments of the Company based
lokasi operasi Perseroan yang terdiri dari on location where the Company operates which
Jabodetabek, Jawa Barat, Jawa Tengah, Jawa consist of Jabotabek, West Java, Central Java,
Timur, Sumatera, Kalimantan, Sulawesi, Maluku East Java, Sumatera, Kalimantan, Sulawesi,
serta Papua, Bali, NTT dan NTB (lihat Catatan Maluku as well as Papua, Bali, NTT and NTB
28). (refer to Note 28).
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. CRITICAL ACCOUNTING ESTIMATES AND
YANG PENTING JUDGEMENTS
Beberapa estimasi, pertimbangan, dan asumsi dibuat Certain estimates, judgements, and assumptions are
dalam rangka penyusunan laporan keuangan dimana made in the preparation of the financial statements
dibutuhkan pertimbangan manajemen dalam and these require management’s judgement in
menentukan metodologi yang tepat untuk penilaian determining the appropriate methodology for
aset dan liabilitas. valuation of assets and liabilities.
Manajemen membuat estimasi dan asumsi yang Management makes estimates and assumptions that
berimplikasi pada pelaporan nilai aset dan liabilitas affect the reported amounts of assets and liabilities
atas tahun keuangan satu tahun kedepan. Semua within the next financial year. All estimates and
estimasi dan asumsi yang diharuskan oleh PSAK assumptions required in conformity with SFAS are
adalah estimasi terbaik berdasarkan standar yang best estimates undertaken in accordance with the
berlaku. Estimasi dan pertimbangan dievaluasi applicable standards. Estimates and judgements are
secara terus menerus dan berdasarkan pengalaman evaluated on a continuous basis, and are based on
masa lalu dan faktor-faktor lain termasuk harapan past experience and other factors, including
atas kejadian yang akan datang. expectations with regard to future events.
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Page 426
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. CRITICAL ACCOUNTING ESTIMATES AND
YANG PENTING (lanjutan) JUDGEMENTS (continued)
Walaupun estimasi dan asumsi ini dibuat Although these estimates and assumption are based
berdasarkan pengetahuan terbaik manajemen atas on management’s best knowledge of current events
kejadian dan tindakan saat ini, hasil yang timbul and activities, actual result may differ from those
mungkin berbeda dengan estimasi dan asumsi estimates and assumption.
semula.
Sumber utama ketidakpastian estimasi: Key sources of estimation uncertainty:
a. Nilai wajar dari instrumen keuangan a. Fair value of financial instruments
Dalam menentukan nilai wajar aset keuangan In determining the fair value for financial assets
dan liabilitas yang tidak mempunyai harga pasar, and financial liabilities for which there is no
Perseroan menggunakan teknik penilaian seperti observable market price, the Company use the
yang dijelaskan dalam Catatan 2d. Untuk valuation techniques as described in Note 2d.
instrumen keuangan yang jarang For financial instruments that are traded
diperdagangkan dan memiliki informasi harga infrequently and a lack of price transparency, fair
yang terbatas, nilai wajarnya kurang objektif dan value is less objective and requires varying
membutuhkan beberapa pertimbangan terkait degrees of judgement depending on liquidity,
dengan faktor-faktor pada likuiditas, konsentrasi, concentration, uncertainty of market factors,
ketidakpastian pasar, asumsi harga dan risiko pricing assumptions and other risks affecting the
lainnya yang mempengaruhi instrumen spesifik specific instrument.
tersebut.
b. Penyisihan kerugian penurunan nilai b. Allowance for impairment losses
Perseroan melakukan tinjauan atas piutang yang The Company review its receivables at reporting
diberikan pada setiap tanggal laporan untuk date to evaluate the allowance for impairment
melakukan penilaian atas penyisihan kerugian losses. Management’s judgement is applied in
penurunan nilai yang telah dicatat. Pertimbangan the estimation when determining the level of
manajemen diperlukan dalam menentukan allowance required.
tingkat cadangan yang dibutuhkan.
Perseroan menetapkan penyisihan kerugian The Company determines the allowance for
penurunan nilai untuk piutang pembiayaan impairment losses for consumer financing
konsumen melalui evaluasi secara kolektif. receivables through collective evaluation.
Evaluasi cadangan kerugian penurunan nilai Evaluation on collective impairment allowance
secara kolektif mencakup kerugian kredit yang covers credit losses inherent in portfolios of
melekat pada portofolio piutang pembiayaan consumer financing receivables with similar
konsumen dengan karakteristik serupa characteristics based on expected credit loss of
berdasarkan kerugian kredit ekspektasian receivables portfolio. In assessing the need for
portofolio piutang. Dalam menilai kebutuhan allowance for impairment losses, management
penyisihan kerugian penurunan nilai, manajemen uses assumption on the key areas of judgement,
menggunakan asumsi atas pertimbangan utama, including the segmentation of the portfolio of
termasuk segmentasi portofolio piutang consumer financing receivables, the period of
pembiayaan konsumen, periode data kerugian historical loss data used, estimated recovery and
historis yang digunakan, estimasi pemulihan dan identification of the most relevant
identifikasi faktor makroekonomi paling relevan macroeconomic factors affecting the settlement
yang mempengaruhi pelunasan piutang of the amounts due from consumer financing
pembiayaan konsumen. receivables.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. CRITICAL ACCOUNTING ESTIMATES AND
YANG PENTING (lanjutan) JUDGEMENTS (continued)
c. Liabilitas imbalan pascakerja c. Post-employment benefits
Nilai kini liabilitas imbalan pascakerja tergantung The present value of the post-employment
pada beberapa faktor yang ditentukan dengan benefits depends on a number of factors that are
dasar aktuarial berdasarkan beberapa asumsi. determined on an actuarial basis using a number
Asumsi yang digunakan untuk menentukan of assumptions. The assumptions used in
biaya/(penghasilan) liabilitas imbalan pascakerja determining the net cost/(income) for post-
neto mencakup tingkat diskonto dan kenaikan employment benefits include the discount rate
gaji dimasa datang. Adanya perubahan pada and future salary increase. Any changes in these
asumsi ini akan mempengaruhi jumlah tercatat assumptions will have an impact on the carrying
liabilitas imbalan pascakerja. amount of post-employment benefit obligations.
Perseroan menentukan tingkat diskonto dan The Company determine the appropriate
kenaikan gaji masa datang yang sesuai pada discount rate and future salary increase at the
akhir periode pelaporan. Tingkat diskonto adalah end of each reporting period. The discount rate
tingkat suku bunga yang harus digunakan untuk is interest rate that should be used to determine
menentukan nilai kini atas estimasi arus kas the present value of estimated future cash
keluar masa depan yang diharapkan untuk outflows expected to be required to settle the
menyelesaikan liabilitas imbalan pascakerja. post-employment benefits. In determining the
Dalam menentukan tingkat suku bunga yang appropriate discount rate, the Company consider
sesuai, Perseroan mempertimbangkan tingkat the interest rates of government bonds that are
suku bunga obligasi pemerintah yang denominated in the currency in which the
didenominasikan dalam mata uang imbalan benefits will be paid and that have terms to
akan dibayar dan memiliki jangka waktu yang maturity approximating the terms of the related
serupa dengan jangka waktu liabilitas imbalan post-employment benefits.
pascakerja yang terkait.
Untuk tingkat kenaikan gaji masa datang, For the rate of future salary increases, the
Perseroan mengumpulkan data historis Company collect all historical data relating to
mengenai perubahan gaji dasar pekerja dan changes in base salaries and adjusts it for future
menyesuaikannya dengan perencanaan bisnis business plans.
masa datang.
Asumsi kunci kewajiban pensiun lainnya Other key assumptions for pension obligations
sebagian ditentukan berdasarkan kondisi pasar are based in part on current market conditions.
saat ini. Informasi tambahan diungkapkan pada Additional information is disclosed in Note 25.
Catatan 25.
d. Perpajakan d. Taxation
Pertimbangan signifikan diperlukan dalam Significant judgement is required in determining
menentukan provisi perpajakan. the provision for taxes.
Perseroan menentukan provisi perpajakan The Company provide for tax provision based on
berdasarkan estimasi atas kemungkinan adanya estimates whether the additional taxes will be
tambahan beban pajak. Jika hasil akhir dari hal due. Where the final tax outcome of these
ini berbeda dengan jumlah yang dicatat semula, matters is different from the amounts that were
maka perbedaan tersebut akan berdampak pada initially recorded, such differences will impact the
laba dan rugi. profit and loss.
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Page 428
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
4. KAS DAN SETARA KAS 4. CASH AND CASH EQUIVALENTS
2024 2023
Kas 70,648 53,034 Cash on hand
Bank – Pihak ketiga Cash in banks – Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 69,010 18,961 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia (Persero) Tbk 48,548 195,760 PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Permata Tbk 42,062 166,118 PT Bank Permata Tbk
PT Bank BCA Syariah 25,072 5,006 PT Bank BCA Syariah
PT Bank Negara Indonesia (Persero) Tbk 11,449 18,437 PT Bank Negara Indonesia (Persero) Tbk
PT Bank CIMB Niaga Tbk 8,426 6,192 PT Bank CIMB Niaga Tbk
PT Bank Mandiri (Persero) Tbk 6,574 116,813 PT Bank Mandiri (Persero) Tbk
PT Bank Sinarmas Tbk 4,733 1,573 PT Bank Sinarmas Tbk
PT Bank Maybank Indonesia Tbk 4,398 796 PT Bank Maybank Indonesia Tbk
PT Bank Tabungan Negara (Persero) Tbk 3,946 6,553 PT Bank Tabungan Negara (Persero) Tbk
PT Bank Danamon Indonesia Tbk 3,873 7,041 PT Bank Danamon Indonesia Tbk
PT Bank Syariah Indonesia Tbk 2,299 2,471 PT Bank Syariah Indonesia Tbk
PT Bank UOB Indonesia 645 249 PT Bank UOB Indonesia
PT Bank BNP Paribas Indonesia 425 58 PT Bank BNP Paribas Indonesia
PT Bank HSBC Indonesia 379 379 PT Bank HSBC Indonesia
PT Bank Mega Tbk 275 890 PT Bank Mega Tbk
PT Bank DBS Indonesia 258 338 PT Bank DBS Indonesia
PT Bank Shinhan Indonesia 182 185 PT Bank Shinhan Indonesia
PT Bank Panin Dubai Syariah Tbk 136 190 PT Bank Panin Dubai Syariah Tbk
PT Bank Pan Indonesia Tbk 113 53 PT Bank Pan Indonesia Tbk
PT Bank OCBC NISP Tbk 95 44 PT Bank OCBC NISP Tbk
Standard Chartered Indonesia 76 214 Standard Chartered Indonesia
PT Bank Mizuho Indonesia 69 68 PT Bank Mizuho Indonesia
PT Bank Muamalat Indonesia Tbk 42 188 PT Bank Muamalat Indonesia Tbk
Deutsche Bank AG. 28 28 Deutsche Bank AG.
PT Bank ANZ Indonesia 17 141 PT Bank ANZ Indonesia
JPMorgan Chase Bank, N.A 12 11 JPMorgan Chase Bank, N.A
MUFG Bank, Ltd. 11 41 MUFG Bank, Ltd.
PT Bank BTPN Syariah Tbk 8 6 PT Bank BTPN Syariah Tbk
PT Bank Maybank Indonesia Tbk - PT Bank Maybank Indonesia Tbk -
Unit Usaha Syariah 6 302 Sharia Business Unit
Sumitomo Mitsui Banking Corporation 5 51 Sumitomo Mitsui Banking Corporation
233,172 549,157
Bank – Pihak ketiga Cash in banks – Third parties
Dolar AS US Dollar
Sumitomo Mitsui Banking Corporation 68 66 Sumitomo Mitsui Banking Corporation
PT Bank Central Asia Tbk 27 27 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 15 18 PT Bank Mandiri (Persero) Tbk
PT Bank Maybank Indonesia Tbk 11 11 PT Bank Maybank Indonesia Tbk
PT Bank Permata Tbk 9 10 PT Bank Permata Tbk
PT Bank CIMB Niaga Tbk 8 15 PT Bank CIMB Niaga Tbk
PT Bank DBS Indonesia 4 1 PT Bank DBS Indonesia
PT Bank Mizuho Indonesia 3 3 PT Bank Mizuho Indonesia
PT Bank UOB Indonesia 2 9 PT Bank UOB Indonesia
Lain-lain (masing-masing di bawah Rp 1) 1 1 Others (each below Rp 1)
148 161
233,320 549,318
Bank – Pihak berelasi Cash in banks – Related party
Rupiah Rupiah
PT Bank Jasa Jakarta 212 10,087 PT Bank Jasa Jakarta
212 10,087
304,180 612,439
Halaman - 5/46 - Page
Page 429
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
4. KAS DAN SETARA KAS (lanjutan) 4. CASH AND CASH EQUIVALENTS (continued)
Saldo kas dan setara kas dalam mata uang asing As at 31 December 2024, the balance of cash and
pada tanggal 31 Desember 2024 adalah sebesar cash equivalents in foreign currency was
Dolar AS 9.153 (nilai penuh) (2023: US Dollar 9,153 (full amount) (2023: US Dollar
Dolar AS 10.374 (nilai penuh)). 10,374 (full amount)).
Suku bunga rekening bank selama tahun berjalan Bank accounts interest rates during the year ranged
berkisar antara 0,00% - 8,30% pada 31 Desember between 0.00% - 8.30% as at 31 December 2024 for
2024 untuk mata uang Rupiah (2023: 0,00% - Rupiah balances (2023: 0.00% - 6.00%) and 0.00% -
6,00%) dan 0,00% - 3,44% pada 31 Desember 2024 3.44% as at 31 December 2024 for US Dollar
untuk mata uang Dolar AS (2023: 0,00% - 0,35%). balances (2023: 0.00% - 0.35%).
Pada tanggal 31 Desember 2024 dan 2023, As at 31 December 2024 and 2023, Management
Manajemen berkeyakinan bahwa tidak terdapat believes that there are no restriction of cash and cash
saldo kas dan setara kas yang dibatasi equivalents.
penggunaannya.
Seluruh kas dan setara kas merupakan aset All cash and cash equivalents are financial assets in
keuangan dalam stage 1. stage 1.
5. PIUTANG PEMBIAYAAN KONSUMEN – BERSIH 5. CONSUMER FINANCING RECEIVABLES – NET
2024 2023
Piutang pembiayaan konsumen - Consumer financing receivables -
bruto gross
Pembiayaan sendiri: Direct financing:
- Pihak ketiga 55,589,856 47,442,183 Third parties -
Pembiayaan yang dibiayai
bersama pihak lain without recourse Joint financing without recourse
- Pihak ketiga 98,305 212,333 Third parties -
55,688,161 47,654,516
Dikurangi: Less:
Penghasilan pembiayaan konsumen Unearned income on consumer
yang belum diakui financing
Pembiayaan sendiri: Direct financing:
- Pihak ketiga (12,844,082) (10,947,790) Third parties -
Pembiayaan yang dibiayai bersama
pihak lain without recourse Joint financing without recourse
- Pihak ketiga (58,664) (87,856) Third parties -
(12,902,746) (11,035,646)
42,785,415 36,618,870
Penyisihan kerugian penurunan nilai (2,883,115) (2,825,680) Allowance for impairment losses
Bersih 39,902,300 33,793,190 Net
Selama tahun 2024 dan 2023, jangka waktu During 2024 and 2023, period of consumer financing
pembiayaan konsumen berkisar antara 6 - 84 bulan. ranged from 6 - 84 months.
Halaman - 5/47 - Page
Page 430
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
5. PIUTANG PEMBIAYAAN KONSUMEN – BERSIH 5. CONSUMER FINANCING RECEIVABLES – NET
(lanjutan) (continued)
Piutang pembiayaan konsumen yang akan diterima Consumer financing receivables to be received
sesuai dengan tanggal jatuh temponya sebagai according to the maturity date are as follows:
berikut:
2024 2023
< 1 tahun 24,953,716 21,236,317 < 1 year
1 - 2 tahun 13,930,263 12,245,086 1 - 2 years
2 - 3 tahun 3,734,159 3,016,653 2 - 3 years
> 3 tahun 167,277 120,814 > 3 years
42,785,415 36,618,870
Analisis umur piutang pembiayaan konsumen Aging analysis of the consumer financing receivables
berdasarkan jadwal pembayaran adalah sebagai based on installment schedule is as follows:
berikut:
2024 2023
Belum jatuh tempo 42,268,255 36,138,794 Current
Lewat jatuh tempo: Overdue:
1 - 30 hari 300,685 273,726 1 - 30 days
31 - 60 hari 119,893 109,799 31 - 60 days
61 - 90 hari 52,212 53,319 61 - 90 days
> 90 hari 44,370 43,232 > 90 days
42,785,415 36,618,870
Menurut Stage By Stage
Berikut adalah perubahan jumlah piutang Below is movement of consumer financing
pembiayaan konsumen yang diberikan berdasarkan receivables based on stages during the years ended
stage selama tahun-tahun berakhir 31 Desember 31 December 2024 and 2023:
2024 dan 2023:
31 Desember/December 2024
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 20,746,167 15,513,870 358,833 36,618,870 Beginning balance
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) (11,487,337) 11,766,116 (278,779) - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) (225,870) (379,148) 605,018 - impaired (Stage 3)
Transfer ke kerugian kredit Transfer to 12 months
ekspektasian 12 bulan expected credit
(Stage 1) 1,498,147 (1,498,147) - - losses (Stage 1)
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali*) 11,991,743 (4,499,366) 30,285 7,522,662 and remeasurement*)
Penghapusan - (1,143,497) (212,620) (1,356,117) Written-off
Saldo akhir 22,522,850 19,759,828 502,737 42,785,415 Ending balance
*) Termasuk dalam perubahan bersih pada eksposur dan pengukuran *) Include the net change in exposure and remeasurements are
kembali adalah penambahan eksposur tahun berjalan serta additional exposure during the year including its changes/transfer
perubahan/transfer sepanjang tahun dan pembayaran. during the year and repayment.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
5. PIUTANG PEMBIAYAAN KONSUMEN – BERSIH 5. CONSUMER FINANCING RECEIVABLES – NET
(lanjutan) (continued)
Menurut Stage (lanjutan) By Stage (continued)
Berikut adalah perubahan jumlah piutang Below is movement of consumer financing
pembiayaan konsumen yang diberikan berdasarkan receivables based on stages during the years ended
stage selama tahun-tahun berakhir 31 Desember 31 December 2024 and 2023: (continued)
2024 dan 2023: (lanjutan)
31 Desember/December 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 18,395,428 15,513,549 306,777 34,215,754 Beginning balance
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) (836,191) 957,693 (121,502) - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) (1,043) (379,919) 380,962 - impaired (Stage 3)
Transfer ke kerugian kredit Transfer to 12-months
ekspektasian 12 bulan expected credit
(Stage 1) 14,031,852 (14,031,852) - - losses (Stage 1)
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali*) (10,843,879) 14,536,750 (29,042) 3,663,829 and remeasurement*)
Penghapusan - (1,082,351) (178,362) (1,260,713) Written-off
Saldo akhir 20,746,167 15,513,870 358,833 36,618,870 Ending balance
Perubahan pada penyisihan kerugian penurunan Movements of the allowance for impairment losses
nilai adalah sebagai berikut: are as follows:
2024 2023
Saldo awal 2,825,680 2,944,011 Beginning balance
Penambahan 1,058,091 810,138 Additions
Penghapusan piutang (1,356,117) (1,260,713) Written-off receivables
Penerimaan penghapusan piutang 355,461 332,244 Recovery from written-off receivables
Saldo akhir 2,883,115 2,825,680 Ending balance
31 Desember/December 2024
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 914,339 1,560,404 350,937 2,825,680 Beginning balance
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) (573,830) 687,719 (113,889) - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) (164,662) (375,095) 539,757 - impaired (Stage 3)
Transfer ke kerugian kredit Transfer to 12 months
ekspektasian 12 bulan expected credit
(Stage 1) 40,426 (40,426) - - losses (Stage 1)
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali*) 460,772 755,645 (158,326) 1,058,091 and remeasurement*)
Penghapusan - (1,143,497) (212,620) (1,356,117) Written-off
Pendapatan atas pemulihan - 268,084 87,377 355,461 Recovery income
Saldo akhir 677,045 1,712,834 493,236 2,883,115 Ending balance
*) Termasuk dalam perubahan bersih pada eksposur dan pengukuran *) Include the net change in exposure and remeasurements are
kembali adalah penambahan eksposur tahun berjalan serta additional exposure during the year including its changes/transfer
perubahan/transfer sepanjang tahun dan pembayaran. during the year and repayment.
Halaman - 5/49 - Page
Page 432
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
5. PIUTANG PEMBIAYAAN KONSUMEN – BERSIH 5. CONSUMER FINANCING RECEIVABLES – NET
(lanjutan) (continued)
Menurut Stage (lanjutan) By Stage (continued)
Perubahan pada penyisihan kerugian penurunan Movements of the allowance for impairment losses
nilai adalah sebagai berikut: (lanjutan) are as follows: (continued)
31 Desember/December 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 999,946 1,645,393 298,672 2,944,011 Beginning balance
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) (159,334) 212,364 (53,030) - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) (1,015) (369,179) 370,194 - impaired (Stage 3)
Transfer ke kerugian kredit Transfer to 12-months
ekspektasian 12 bulan expected credit
(Stage 1) 744,263 (744,263) - - losses (Stage 1)
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali*) (669,521) 1,647,310 (167,651) 810,138 and remeasurement*)
Penghapusan - (1,082,351) (178,362) (1,260,713) Written-off
Pendapatan atas pemulihan - 251,130 81,114 332,244 Recovery income
Saldo akhir 914,339 1,560,404 350,937 2,825,680 Ending balance
*) Termasuk dalam perubahan bersih pada eksposur dan pengukuran *) Include the net change in exposure and remeasurements are
kembali adalah penambahan eksposur tahun berjalan serta additional exposure during the year including its changes/transfer
perubahan/transfer sepanjang tahun dan pembayaran. during the year and repayment.
Selama tahun 2024, suku bunga/marjin efektif During 2024, effective interest/margin rates ranged
berkisar antara 9,20% - 45,96% (2023: 10,30% - from 9.20% - 45.96% (2023: 10.30% - 47.93%).
47,93%).
Sebagai jaminan atas piutang pembiayaan As collateral of consumer financing receivables for
konsumen untuk kendaraan bermotor, Perseroan vehicle financing, the Company obtained collateral
menerima jaminan dari konsumen berupa Bukti from customers in the form of the Certificate of
Pemilikan Kendaraan Bermotor (“BPKB”) atas Ownership (“BPKB”) of the vehicle financed by the
kendaraan bermotor yang dibiayai Perseroan. Company.
Sebagai jaminan atas piutang pembiayaan As collateral of consumer financing receivables for
konsumen untuk modal usaha, Perseroan menerima working capital, the Company obtained collateral
jaminan dari konsumen berupa Bukti Pemilikan from customers in the form of the Certificate of
Kendaraan Bermotor (“BPKB”) atau Sertifikat Hak Ownership (“BPKB”) or Freehold title (“SHM”) owned
Milik (“SHM”) yang dimiliki oleh konsumen. by the customer.
Pada 31 Desember 2024 dan 2023, tidak terdapat As at 31 December 2024 and 2023, there are no
piutang pembiayaan konsumen yang digunakan consumer financing receivables used as collateral in
sebagai jaminan sehubungan dengan fasilitas connection with the borrowing facility and securities
pinjaman dan surat berharga yang diterbitkan seperti issued as disclosed in Notes 14 and 15.
diungkapkan dalam Catatan 14 dan 15.
Manajemen berpendapat bahwa jumlah penyisihan Management believes that the existing allowance for
kerugian penurunan nilai yang dibentuk adalah impairment losses is adequate to cover possible
cukup untuk menutup kerugian yang mungkin timbul losses from uncollectible consumer financing
akibat tidak tertagihnya piutang pembiayaan receivables.
konsumen.
Halaman - 5/50 - Page
Page 433
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
5. PIUTANG PEMBIAYAAN KONSUMEN – BERSIH 5. CONSUMER FINANCING RECEIVABLES – NET
(lanjutan) (continued)
2024 2023
Piutang pembiayaan konsumen: Consumer financing receivables:
- Konvensional 39,837,808 34,415,931 Conventional -
- Syariah 2,947,607 2,202,939 Sharia -
42,785,415 36,618,870
Penyisihan kerugian penurunan nilai: Allowance for impairment losses:
- Konvensional (2,663,605) (2,663,557) Conventional -
- Syariah (219,510) (162,123) Sharia -
(2,883,115) (2,825,680)
Piutang pembiayaan konsumen - bersih 39,902,300 33,793,190 Consumer financing receivables - net
Piutang pembiayaan konsumen – Konvensional Consumer financing receivables – Conventional
Semua piutang pembiayaan konsumen – All of Company’s consumer financing receivables –
Konvensional Perseroan adalah dalam mata uang Conventional are in Rupiah currency, with details as
Rupiah, dengan rincian sebagai berikut: follow:
2024 2023
Piutang pembiayaan konsumen – Consumer financing receivables –
bruto: gross:
Pembiayaan sendiri: Direct financing:
- Pihak ketiga 52,051,707 44,727,952 Third parties -
Pembiayaan yang dibiayai
bersama pihak lain without recourse: Joint financing without recourse:
- Pihak ketiga 98,300 212,328 Third parties -
52,150,007 44,940,280
Dikurangi: Less:
Penghasilan pembiayaan konsumen Unearned income on consumer
yang belum diakui: financing:
Pembiayaan sendiri: Direct financing:
- Pihak ketiga (12,253,536) (10,436,494) Third parties -
Pembiayaan yang dibiayai bersama
pihak lain without recourse: Joint financing without recourse:
- Pihak ketiga (58,663) (87,855) Third parties -
(12,312,199) (10,524,349)
39,837,808 34,415,931
Penyisihan kerugian penurunan nilai (2,663,605) (2,663,557) Allowance for impairment losses
Bersih 37,174,203 31,752,374 Net
Halaman - 5/51 - Page
Page 434
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
5. PIUTANG PEMBIAYAAN KONSUMEN – BERSIH 5. CONSUMER FINANCING RECEIVABLES – NET
(lanjutan) (continued)
Piutang pembiayaan konsumen – Syariah Consumer financing receivables – Sharia
Semua piutang pembiayaan konsumen - Syariah All of Company’s consumer financing receivables –
Perseroan adalah dalam mata uang Rupiah, dengan Sharia are in Rupiah currency, with details as follow:
rincian sebagai berikut:
2024 2023
Piutang pembiayaan konsumen - Consumer financing receivables -
bruto: gross:
Pembiayaan sendiri: Direct financing:
- Pihak ketiga 3,538,149 2,714,231 Third parties -
Pembiayaan yang dibiayai
bersama pihak lain
without recourse: Joint financing without recourse:
- Pihak ketiga 5 5 Third parties -
3,538,154 2,714,236
Dikurangi: Less:
Penghasilan pembiayaan konsumen Unearned income on consumer
yang belum diakui: financing:
Pembiayaan sendiri: Direct financing:
- Pihak ketiga (590,546) (511,296) Third parties -
Pembiayaan yang dibiayai
bersama pihak lain
without recourse: Joint financing without recourse:
- Pihak ketiga (1) (1) Third parties -
(590,547) (511,297)
2,947,607 2,202,939
Penyisihan kerugian penurunan nilai (219,510) (162,123) Allowance for impairment losses
Bersih 2,728,097 2,040,816 Net
6. PIUTANG LAIN-LAIN – BERSIH 6. OTHER RECEIVABLES – NET
2024 2023
Pihak ketiga Third parties
- Pinjaman karyawan 23,000 16,361 Employee loans -
- Lain-lain 16,334 4,822 Others -
39,334 21,183
Piutang pembiayaan dalam Consumer financing receivables
perhatian khusus: with special mention:
- Kendaraan 93,898 89,378 Vehicles -
- Non kendaraan 94,430 30,085 Non vehicles -
188,328 119,463
Dikurangi: Less:
Penyisihan kerugian penurunan nilai (44,770) (37,975) Allowance for impairment losses
143,558 81,488
Pihak berelasi Related parties
- Piutang asuransi kredit 81,832 42,710 Credit insurance receivable -
- Pembayaran konsumen Settlement of debtor’s payment -
melalui payment channel 78,939 40,148 through payment channel
- Pinjaman manajemen kunci 6,948 5,738 Key management loans -
- Lain-lain - 914 Others -
167,719 89,510
350,611 192,181
Akun lain-lain terdiri pembayaran di muka untuk Others consist of advance payment for employee and
karyawan dan piutang atas kerja sama di lingkup receivables in respect of operational cooperation
operasional. agreement.
Halaman - 5/52 - Page
Page 435
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
6. PIUTANG LAIN-LAIN - BERSIH (lanjutan) 6. OTHER RECEIVABLES - NET (continued)
Perubahan pada penyisihan kerugian penurunan Movements of the allowance for impairment losses
nilai adalah sebagai berikut: are as follows:
2024 2023
Saldo awal 37,975 29,198 Beginning balance
Penambahan 363,281 235,891 Additions
Penghapusan piutang (356,486) (227,114) Written-off receivables
Saldo akhir 44,770 37,975 Ending balance
Manajemen berpendapat bahwa jumlah penyisihan Management believes that the allowance for
penurunan nilai untuk piutang pembiayaan dalam impairment losses for consumer financing
perhatian khusus adalah cukup untuk menutup receivables with special mention is adequate to cover
kerugian yang mungkin timbul akibat tidak possible losses from uncollectible consumer financing
tertagihnya piutang pembiayaan dalam perhatian receivables with special mention.
khusus.
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
7. ASET YANG DIPEROLEH UNTUK IJARAH – 7. ASSET ACQUIRED FOR IJARAH – NET
BERSIH
2024 2023
Pihak ketiga 12,298,928 5,969,201 Third parties
Akumulasi penyusutan (8,617,329) (2,904,745) Accumulated depreciation
Bersih 3,681,599 3,064,456 Net
8. BEBAN DIBAYAR DIMUKA 8. PREPAYMENTS
2024 2023
Pihak ketiga Third parties
- Sewa 92,023 37,646 Rent -
- Pemeliharaan hardware dan software 23,170 53,252 Maintenance hardware and software -
- Beban komitmen pinjaman 2,058 29,856 Borrowing commitment fees -
- Lain-lain 13,425 25,166 Others -
130,676 145,920
Pihak berelasi Related parties
- Asuransi 666 1,505 Insurance -
- Sewa - 73 Rent -
666 1,578
131,342 147,498
Akun sewa dibayar dimuka terdiri dari beban dibayar Prepayments for rental consist of prepayment for low
dimuka atas sewa kantor dan perangkat komputer value office rental and computer hardware. The
yang bernilai rendah. Jangka waktu untuk kontrak period of office rental and computer hardware rental
sewa kantor dan sewa perangkat komputer berkisar ranged between 1 - 24 months (2023: 12 - 36
antara 1 - 24 bulan (2023: 12 - 36 bulan). months).
Akun beban komitmen pinjaman merupakan biaya Borrowing commitment fees represents unamortised
yang belum diamortisasi sehubungan dengan fees in respect of borrowing not yet drawdown by the
pinjaman yang belum ditarik oleh Perseroan. Company.
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
Halaman - 5/53 - Page
Page 436
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
9. ASET TETAP 9. FIXED ASSETS
Aset tetap terdiri dari: Fixed assets consist of the following:
2024 2023
Aset kepemilikan langsung 567,479 507,684 Direct ownership assets
Aset hak-guna 288,070 245,836 Right-of-use assets
Bersih 855,549 753,520 Net
2024
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Additions Deductions Ending balance
Aset kepemilikan Direct ownership
langsung: assets:
Harga perolehan Acquisition cost
Tanah 49,957 - (24) 49,933 Land
Tanah - pembaruan 189 - - 189 Land - renewal
Bangunan 135,970 6,228 (350) 141,848 Buildings
Prasarana bangunan 162,366 58,650 (3,621) 217,395 Building improvements
Kendaraan 3,765 1,167 (75) 4,857 Vehicles
Peralatan kantor 1,863,362 262,088 (28,632) 2,096,818 Office equipment
Perabot kantor 105,011 15,368 (2,572) 117,807 Furniture and fixtures
2,320,620 343,501 (35,274) 2,628,847
Akumulasi penyusutan Accumulated depreciation
Tanah - pembaruan 102 9 - 111 Land - renewal
Bangunan 90,960 5,656 (340) 96,276 Buildings
Prasarana bangunan 116,364 39,524 (3,512) 152,376 Building improvements
Kendaraan 1,980 575 (75) 2,480 Vehicles
Peralatan kantor 1,516,990 228,889 (28,621) 1,717,258 Office equipment
Perabot kantor 86,540 8,816 (2,489) 92,867 Furniture and fixtures
1,812,936 283,469 (35,037) 2,061,368
Nilai buku bersih 507,684 567,479 Net book value
2024
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Additions Deductions Ending balance
Aset hak-guna Right-of-use assets
Harga perolehan Acquisition cost
Bangunan 217,809 144,605 (123,290) 239,124 Buildings
Kendaraan 235,636 93,664 (70,650) 258,650 Vehicles
453,445 238,269 (193,940) 497,774
Akumulasi penyusutan Accumulated depreciation
Bangunan 69,540 135,196 (123,290) 81,446 Buildings
Kendaraan 138,069 60,839 (70,650) 128,258 Vehicles
207,609 196,035 (193,940) 209,704
Nilai buku bersih 245,836 288,070 Net book value
Halaman - 5/54 - Page
Page 437
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
9. ASET TETAP (lanjutan) 9. FIXED ASSETS (continued)
Aset tetap terdiri dari: (lanjutan) Fixed assets consist of the following: (continued)
2023
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Additions Deductions Ending balance
Aset kepemilikan Direct ownership
langsung: assets:
Harga perolehan Acquisition cost
Tanah 49,957 - - 49,957 Land
Tanah - pembaruan 189 - - 189 Land - renewal
Bangunan 131,355 4,635 (20) 135,970 Buildings
Prasarana bangunan 127,673 35,991 (1,298) 162,366 Building improvements
Kendaraan 1,785 2,012 (32) 3,765 Vehicles
Peralatan kantor 1,626,581 251,966 (15,185) 1,863,362 Office equipment
Perabot kantor 98,407 9,162 (2,558) 105,011 Furniture and fixtures
2,035,947 303,766 (19,093) 2,320,620
Akumulasi penyusutan Accumulated depreciation
Tanah - pembaruan 93 9 - 102 Land - renewal
Bangunan 85,301 5,671 (12) 90,960 Buildings
Prasarana bangunan 102,399 15,250 (1,285) 116,364 Building improvements
Kendaraan 1,784 228 (32) 1,980 Vehicles
Peralatan kantor 1,324,009 208,164 (15,183) 1,516,990 Office equipment
Perabot kantor 82,110 6,946 (2,516) 86,540 Furniture and fixtures
1,595,696 236,268 (19,028) 1,812,936
Nilai buku bersih 440,251 507,684 Net book value
2023
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Additions Deductions Ending balance
Aset hak-guna Right-of-use assets
Harga perolehan Acquisition cost
Bangunan 768,319 126,825 (677,335) 217,809 Buildings
Kendaraan 405,057 50,950 (220,371) 235,636 Vehicles
Peralatan kantor 2,412 - (2,412) - Office equipment
1,175,788 177,775 (900,118) 453,445
Akumulasi penyusutan Accumulated depreciation
Bangunan 622,957 123,918 (677,335) 69,540 Buildings
Kendaraan 302,947 55,493 (220,371) 138,069 Vehicles
Peralatan kantor 2,412 - (2,412) - Office equipment
928,316 179,411 (900,118) 207,609
Nilai buku bersih 247,472 245,836 Net book value
Pada tanggal 31 Desember 2024, semua tanah yang As at 31 December 2024, all land owned by the
dimiliki Perseroan telah bersertifikat Hak Guna Company has certificates of Building Right to Use
Bangunan (”HGB”) dan masa penggunaannya akan Titles (“HGB”) and the useful lives are between the
berakhir antara tahun 2025 - 2052 (2023: 2024 - year 2025 - 2052 (2023: 2024 - 2050). Management
2050). Manajemen berpendapat tidak terdapat believes that there will be no difficulty in the extension
masalah dengan perpanjangan hak atas tanah, of the land rights, as all the land was acquired legally
karena seluruh tanah diperoleh secara sah dan and is supported by sufficient evidence of ownership.
didukung oleh bukti kepemilikan yang memadai.
Aset tetap, kecuali tanah, telah diasuransikan kepada Fixed assets, except land, are insured to PT Asuransi
PT Asuransi Astra Buana (pihak berelasi) terhadap Astra Buana (related party) for potential losses arising
kemungkinan terjadinya kerugian yang ditimbulkan from fire and other risks with a total coverage amount
dari kebakaran dan risiko lainnya dengan nilai of Rp 467,373 as at 31 December 2024 (2023:
pertanggungan sejumlah Rp 467.373 pada tanggal Rp 449,832). Management believes that the
31 Desember 2024 (2023: Rp 449.832). Manajemen insurance coverage is adequate.
berpendapat bahwa nilai pertanggungan tersebut
adalah cukup.
Halaman - 5/55 - Page
Page 438
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
9. ASET TETAP (lanjutan) 9. FIXED ASSETS (continued)
Tidak terdapat aset tetap yang dijaminkan sebagai There are no fixed assets pledged as security
jaminan sehubungan dengan fasilitas pinjaman yang collateral for the Company’s borrowing facilities.
diperoleh Perseroan.
Perhitungan keuntungan dari penjualan aset tetap The calculation of gain on sale of fixed assets are as
adalah sebagai berikut: follows:
2024 2023
Harga perolehan 35,274 19,093 Cost
Akumulasi penyusutan (35,037) (19,028) Accumulated depreciation
Nilai tercatat aset tetap yang terjual 237 65 Carrying value fixed assets sold
Proceeds from sale of
Hasil dari penjualan aset tetap 2,422 536 fixed assets
Keuntungan dari penjualan aset Gain on sales of fixed assets
tetap (lihat Catatan 21) 2,185 471 (refer to Note 21)
Berdasarkan laporan tertanggal 31 Desember 2024 Based on the report dated 31 December 2024 and
dan 2023, penilaian atas nilai wajar tanah dan 2023, valuation to determine the fair values of the
bangunan yang dimiliki Perseroan di tahun 2024 dan Company’s land and buildings in 2024 and 2023 was
2023 dilakukan oleh Kantor Jasa Penilai Publik Hari performed by Kantor Jasa Penilai Publik Hari Utomo
Utomo dan Rekan, penilai independen yang telah dan Rekan, an independent valuer registered with
teregistrasi pada OJK. Penilaian, yang dilakukan OJK. The valuation, which was conducted in
sesuai dengan Standar Penilaian Internasional, accordance with International Valuation Standards,
ditentukan berdasarkan transaksi pasar terkini yang was determined with reference to recent market
dilakukan dalam ketentuan-ketentuan yang wajar. transactions conducted at arm’s length terms. The
Metode penilaian yang digunakan adalah Metode appraisal method used is Market Data Approach
Pendekatan Data Pasar dan Pendekatan Biaya. Method and Cost Approach. As at 31 December
Pada tanggal 31 Desember 2024, nilai wajar (hierarki 2024, fair values (fair value hierarchy level 2) of the
nilai wajar level 2) tanah dan bangunan yang dimiliki Company’s land and buildings was Rp 356,150
Perseroan bernilai Rp 356.150 (2023: Rp 353.857). (2023: Rp 353,857).
Untuk aset tetap selain tanah dan bangunan, tidak For fixed assets other than land and building, there is
ada perbedaan yang signifikan antara nilai wajar no significant difference between the fair values and
dengan nilai tercatatnya. carrying values.
Manajemen berkeyakinan bahwa tidak terdapat Management believes that there is no permanent
penurunan nilai yang permanen atas aset tetap. diminution in fixed assets.
Pada tanggal 31 Desember 2024 dan 2023, As at 31 December 2024 and 2023, the Company
Perseroan melakukan peninjauan kembali atas masa performed a review on useful life, depreciation
manfaat, metode penyusutan, dan nilai residu aset method, and residual value of fixed assets and
tetap dan menyimpulkan bahwa tidak terdapat concluded that there was no change in those
perubahan atas metode dan asumsi tersebut. methodology and assumptions.
Seluruh aset tetap yang ada pada tanggal pelaporan All of the fixed assets as at the reporting date are fully
digunakan untuk menunjang aktivitas operasi used to support the Company’s operation activities.
Perseroan. Pada tanggal 31 Desember 2024, As at 31 December 2024, there is fully depreciated
terdapat aset tetap yang telah disusutkan penuh assets amounted to Rp 1,583,366 (2023:
sebesar Rp 1.583.366 (2023: Rp 1.423.110). Rp 1,423,110).
Halaman - 5/56 - Page
Page 439
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
9. ASET TETAP (lanjutan) 9. FIXED ASSETS (continued)
Aset hak-guna Right-of-use assets
Jumlah pengeluaran kas untuk sewa selama tahun The total cash outflow for leases for the year ended
berakhir pada tanggal 31 Desember 2024 dan 2023 31 December 2024 and 2023 was Rp 144,605 and
masing-masing adalah Rp 144.605 dan Rp 126.825. Rp 126,825, respectively.
Laporan laba rugi menyajikan saldo berikut berkaitan Statements of profit or loss shows the following
dengan sewa: amounts related to leases:
2024 2023
Depreciation expense
Beban penyusutan aset hak-guna: of right-of-use assets:
- Bangunan 135,196 123,918 Buildings -
- Kendaraan 60,839 55,493 Vehicles -
196,035 179,411
Beban bunga (lihat Catatan 24) 13,246 10,979 Interest expense (refer to Note 24)
209,281 190,390
Beban berkaitan dengan sewa jangka Expense relating to short term lease
pendek (kurang dari 12 bulan) dan (less than 12-months) and
aset bernilai rendah (lihat Catatan 23) 26,353 24,043 low value assets (refer to Note 23)
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
10. INVESTASI PADA ENTITAS ASOSIASI 10. INVESTMENT IN ASSOCIATE
Pada tanggal 1 Juli 2021, Perseroan melakukan On 1 July 2021, the Company divested its investment
divestasi penyertaan pada ADA dengan nilai wajar in ADA with the total fair value of investment of
investasi sebesar Rp 41.079 dengan persentase Rp 41,079 with an ownership percentage of 25%
kepemilikan sebesar 25% (lihat Catatan 1). (refer to Note 1).
Pada tanggal 14 Februari 2022, Perseroan On 14 February 2022, the Company injected paid up
menambah setoran modal pada entitas asosiasi, capital in associate, amounted to Rp 75,000, and
sejumlah Rp 75.000, dan tidak terdapat perubahan there is no changes in the Company’s percentage of
persentase kepemilikan Perseroan di ADA. ownership in ADA.
Entitas asosiasi yang dimiliki oleh Perseroan pada The associated entity which is owned by the
tanggal 31 Desember 2024 dan 2023 adalah sebagai Company as at 31 December 2024 and 2023 is as
berikut: follow:
Persentase Kepemilikan/
Percentage of Ownership
Kegiatan Usaha/ 31 Desember/ Nilai tercatat/
Nama Perusahaan Business Activity December 2024 Carrying Value Company Name
Teknologi keuangan/
PT Astra Digital Arta ("ADA") Financial Technology 25.00% 37,257 PT Astra Digital Arta ("ADA")
Persentase Kepemilikan/
Percentage of Ownership
Kegiatan Usaha/ 31 Desember/ Nilai tercatat/
Nama Perusahaan Business Activity December 2023 Carrying Value Company Name
Teknologi keuangan/ 25.00% 57,559
PT Astra Digital Arta ("ADA") Financial Technology PT Astra Digital Arta ("ADA")
Halaman - 5/57 - Page
Page 440
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
10. INVESTASI PADA ENTITAS ASOSIASI (lanjutan) 10. INVESTMENT IN ASSOCIATE (continued)
Ringkasan laporan keuangan ADA pada tanggal Summarised statements of financial position of ADA
31 Desember 2024 dan 2023 dan untuk tahun yang as at 31 December 2024 and 2023 and for the years
berakhir pada tanggal-tanggal tersebut adalah ended are as follows:
sebagai berikut:
2024 2023
Aset 501,687 664,926 Assets
Liabilitas 352,659 434,690 Liabilities
Aset bersih 149,028 230,236 Net assets
Pendapatan 62,358 56,147 Revenue
Rugi bersih (81,127) (82,422) Net loss
Penghasilan komprehensif lain, Other comprehensive income,
setelah pajak (81) 177 after tax
Jumlah rugi komprehensif Total comprehensive loss
tahun berjalan (81,208) (82,245) for the year
Jumlah bagian Perseroan atas rugi komprehensif Total Company’s share of comprehensive loss and
dan jumlah tercatat pada entitas asosiasi adalah carrying value of associate are as follows:
sebagai berikut:
2024 2023
Saldo awal 57,559 78,120 Beginning balance
Bagian atas rugi bersih (20,282) (20,605) Share of net loss
Bagian atas penghasilan komprehensif lain (20) 44 Share of other comprehensive income
Jumlah bagian atas rugi komprehensif (20,302) (20,561) Total share of comprehensive loss
Jumlah tercatat 37,257 57,559 Carrying value
Rekonsiliasi atas ringkasan informasi keuangan yang Reconciliation of the summarised financial
disajikan terhadap nilai buku dari kepentingan information presented to the carrying amount of the
Perseroan pada entitas asosiasi adalah sebagai Company interest in associate are as follows:
berikut:
2024 2023
Pengakuan awal aset bersih 230,236 312,481 Net asset initial recognition
Rugi bersih (81,127) (82,422) Net loss
Penghasilan komprehensif lain Other comprehensive income
setelah pajak (81) 177 after tax
149,028 230,236
Persentase kepemilikan efektif 25% 25% Percentage of effective ownership
Nilai tercatat 37,257 57,559 Carrying value
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
Halaman - 5/58 - Page
Page 441
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. AKRUAL 11. ACCRUALS
2024 2023
Pihak ketiga Third parties
- Insentif dan promosi 323,363 424,682 Incentives and promotions -
- Bunga pinjaman 99,831 72,714 Interest on borrowings -
- Tunjangan karyawan lainnya 49,735 41,480 Other employee benefits -
- Bunga dari surat berharga Interest on -
yang diterbitkan 38,400 55,540 securities issued
- Jasa tenaga ahli 13,702 22,006 Professional fee -
- Perbaikan dan utilitas 3,047 4,993 Utility and repairs -
- Perjalanan dinas 1,108 1,760 Business trips -
- Pelatihan 1,105 1,936 Training -
- Perlengkapan kantor 630 633 Office supplies -
- Sewa 346 3,000 Rent -
- Lain-lain 1,777 7,379 Others -
533,044 636,123
Akun lain-lain terdiri dari akrual untuk kesejahteraan Others consist of accruals for employee welfare,
karyawan, perekrutan karyawan, upah, jamuan dan employee recruitment, wages, entertainment and
sumbangan. donations.
12. PERPAJAKAN 12. TAXATION
a. Klaim atas restitusi pajak a. Claim for tax refund
2024 2023
Klaim atas restitusi pajak 11,844 55,178 Claim for tax refund
b. Utang pajak b. Taxes payable
2024 2023
Pajak penghasilan badan: Corporate income taxes:
- Pasal 29 230,233 270,838 Article 29 -
- Pasal 25 104,818 101,137 Article 25 -
335,051 371,975
Pajak lain-lain: Other taxes:
- Pasal 21 54,720 57,417 Article 21 -
- Pasal 23 dan 26 13,461 16,347 Articles 23 and 26 -
- Pasal 4 (2) 5,796 7,836 Article 4 (2) -
73,977 81,600
409,028 453,575
c. Beban pajak penghasilan c. Income tax expense
2024 2023
Pajak kini 1,163,154 1,127,833 Current tax
Beban pajak tangguhan 92,699 38,229 Deferred tax expense
1,255,853 1,166,062
Halaman - 5/59 - Page
Page 442
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PERPAJAKAN (lanjutan) 12. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Rekonsiliasi antara beban pajak penghasilan The reconciliation between income tax expense
dengan hasil perkalian laba akuntansi sebelum and the theoretical tax amount on the
pajak penghasilan dan tarif pajak yang berlaku Company’s profit before income tax and the
adalah sebagai berikut: applied tax rate are as follows:
2024 2023
Laba sebelum pajak penghasilan 5,671,387 5,273,453 Profit before income tax
Pajak dihitung dengan tarif Tax calculated at applicable
pajak yang berlaku 22% 1,247,705 1,160,159 tax rates 22%
Dampak pajak penghasilan pada: Tax effects of:
Rugi entitas asosiasi 4,462 4,533 Loss from investment in associate
Penghasilan kena pajak final (4,686) (5,101) Income subject to final tax
Beban yang tidak dapat dikurangkan 8,372 6,471 Non deductible expense
Beban pajak penghasilan 1,255,853 1,166,062 Income tax expense
Rekonsiliasi antara laba sebelum pajak The reconciliation between profit before income
penghasilan menurut laporan laba rugi dan tax as shown in the statements of profit or loss
penghasilan komprehensif lain dan taksiran and other comprehensive income and estimated
penghasilan kena pajak adalah sebagai berikut: taxable income is as follows:
2024 2023
Laba sebelum pajak penghasilan 5,671,387 5,273,453 Profit before income tax
Ditambah: Add:
Rugi dari entitas asosiasi 20,282 20,605 Loss from investment in associate
Laba sebelum pajak Profit before income tax
penghasilan Perseroan 5,691,669 5,294,058 of the Company
Perbedaan waktu: Timing differences:
- Penyisihan kerugian Allowance for -
penurunan nilai, penyisihan impairment losses, allowance
kerugian penurunan nilai atas for impairment losses for
piutang pembiayaan dalam consumer financing receivables
perhatian khusus, dan with special mention and
hapus buku (458,212) (199,504) write-off
- Beban penyusutan (8,196) (5,836) Depreciation expense -
- Beban penyisihan imbalan
kerja 44,463 24,004 Employees’ benefit expenses -
- Aset hak guna dan liabilitas sewa 588 7,574 Right-of-use assets and lease liabilities -
(421,357) (173,762)
Perbedaan tetap: Permanent differences:
- Pendapatan bunga yang Interest income -
telah dikenakan pajak final (21,302) (23,188) subject to final tax
- Beban yang tidak dapat
dikurangkan 38,055 29,407 Non deductible expenses -
16,753 6,219
(404,604) (167,543)
Taksiran penghasilan
kena pajak 5,287,065 5,126,515 Estimated taxable income
Estimasi beban pajak
penghasilan 1,163,154 1,127,833 Estimated income tax expense
Dikurangi: Less:
- Pajak dibayar dimuka (828,103) (755,858) Prepaid taxes -
Utang pajak penghasilan 335,051 371,975 Income taxes payable
Perhitungan pajak penghasilan badan untuk The calculation of income tax for the years
tahun-tahun berakhir pada 31 Desember 2024 di ended 31 December 2024 is a preliminary
atas adalah suatu perhitungan sementara yang estimate made for accounting purposes and is
dibuat untuk tujuan akuntansi dan dapat berubah subject to change at the time the Company
pada waktu Perseroan menyampaikan Surat submits its Annual Tax Return (“SPT”).
Pemberitahuan Pajak (”SPT”) tahunannya.
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Page 443
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PERPAJAKAN (lanjutan) 12. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Perhitungan pajak penghasilan badan untuk The calculations of income tax for the year
tahun yang berakhir tanggal 31 Desember 2023 ended 31 December 2023 conform to the
adalah sesuai dengan SPT Tahunan Perseroan. Company’s Annual Tax Return.
Peraturan Menteri Keuangan No. PMK-136 The MOF Regulation no. PMK-136 Year 2024
Tahun 2024 (PMK-136) telah disahkan di (PMK-136) was enacted in Indonesia, the
Indonesia, yurisdiksi di mana perusahaan jurisdiction in which the company is incorporated,
didirikan, dan akan berlaku mulai 1 Januari and will come into effect from 1 January 2025.
2025. Karena PMK-136 belum efektif pada Since the PMK-136 was not effective at the
tanggal pelaporan, Perseroan masih melakukan reporting date, the Company is still assessing its
penilaian eksposur pajak. Perseroan tax exposure. The Company applies the
menerapkan pengecualian untuk mengakui dan exception to recognising and disclosing
mengungkapkan informasi tentang aset dan information about deferred tax assets and
kewajiban pajak tangguhan yang terkait dengan liabilities related to Pillar Two income taxes, as
pajak penghasilan Pilar Dua, sebagaimana provided in the amendments to PSAK 212
diatur dalam amendemen PSAK 212 yang issued in December 2023.
diterbitkan pada bulan Desember 2023.
Perseroan sedang dalam proses menilai apakah The Company is in the process of assessing
Perseroan termasuk dalam cakupan model Pilar whether the Company is within the scope of
Dua dan apakah ada eksposur terhadap Pillar Two model and if there is any exposure to
PMK-136 ketika peraturan tersebut mulai the PMK-136 for when it comes into effect. Due
berlaku. Karena kompleksitas dalam to the complexities in applying the PMK-136 and
menerapkan PMK-136 dan menghitung calculating GloBE income, the quantitative
pendapatan GloBE, dampak kuantitatif dari impact of the enacted PMK-136 is not yet
PMK-136 yang disahkan belum dapat reasonably estimable.
diperkirakan secara wajar.
d. Aset pajak tangguhan - bersih d. Deferred tax assets - net
Rincian dari aset pajak tangguhan adalah Details of deferred tax assets of the Company
sebagai berikut: are as follows:
31 Desember/December 2024
(Dibebankan)/
dikreditkan
ke laporan
laba rugi/ Dibebankan
(Charged)/ ke ekuitas/
1 Januari/ credited to profit Charged to 31 Desember/
January or loss equity December
Aset pajak tangguhan: Deferred tax assets:
Penyisihan kerugian
penurunan nilai atas Allowance for impairment
piutang pembiayaan losses of consumer financing
konsumen dan piutang receivables and consumer
pembiayaan dalam financing receivables
perhatian khusus 239,366 (100,806) - 138,560 with special mention
Penyisihan imbalan Provision for employee
kerja 58,783 9,782 98 68,663 benefits
Selisih penyusutan Difference in depreciation
aset tetap antara of fixed assets between
fiskal dan komersial 153 (153) - - fiscal and commercial
Liabilitas sewa 23,131 7,351 - 30,482 Lease liabilities
Cadangan lindung Cash flow
nilai arus kas - - 1,571 1,571 hedges reserve
321,433 (83,826) 1,669 239,276
Liabilitas pajak tangguhan: Deferred tax liabilities:
Aset hak guna (21,465) (7,222) - (28,687) Right-of-use assets
Selisih penyusutan Difference in depreciation
aset tetap antara of fixed assets between
fiskal dan komersial - (1,650) - (1,650) fiscal and commercial
Cadangan lindung Cash flow
nilai arus kas (2,928) - 2,928 - hedges reserve
(24,393) (8,872) 2,928 (30,337)
Jumlah aset pajak Total deferred tax
tangguhan - bersih 297,040 (92,698) 4,597 208,939 assets – net
Halaman - 5/61 - Page
Page 444
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PERPAJAKAN (lanjutan) 12. TAXATION (continued)
d. Aset pajak tangguhan - bersih (lanjutan) d. Deferred tax assets - net (continued)
31 Desember/December 2023
(Dibebankan)/
dikreditkan
ke laporan
laba rugi/ Dibebankan
(Charged)/ ke ekuitas/
1 Januari/ credited to profit Charged to 31 Desember/
January or loss equity December
Aset pajak tangguhan: Deferred tax assets:
Penyisihan kerugian
penurunan nilai atas Allowance for impairment
piutang pembiayaan losses of consumer financing
konsumen dan piutang receivables and consumer
pembiayaan dalam financing receivables
perhatian khusus 283,257 (43,891) - 239,366 with special mention
Penyisihan imbalan Provision for employee
kerja 54,341 5,281 (839) 58,783 benefits
Selisih penyusutan Difference in depreciation
aset tetap antara of fixed assets between
fiskal dan komersial 1,438 (1,285) - 153 fiscal and commercial
Liabilitas sewa - 23,131 - 23,131 Lease liabilities
Cadangan lindung Cash flow
nilai arus kas 4,768 - (4,768) - hedges reserve
343,804 (16,764) (5,607) 321,433
Liabilitas pajak tangguhan: Deferred tax liabilities:
Aset hak guna - (21,465) - (21,465) Right-of-use assets
Cadangan lindung Cash flow
nilai arus kas - - (2,928) (2,928) hedges reserve
- (21,465) (2,928) (24,393)
Jumlah aset pajak Total deferred tax
tangguhan – bersih 343,804 (38,229) (8,535) 297,040 assets - net
Manajemen berpendapat bahwa nilai aset pajak Management believes that the deferred tax
tangguhan di atas dapat dipulihkan. assets balances above can be recovered.
Sesuai dengan ketentuan peralihan dalam Based on the transitional provisions in the
Peraturan Menteri Keuangan Republik Regulation of the Minister of Finance of the
Indonesia Nomor 74 Tahun 2024, Perseroan Republic of Indonesia Number 74 of 2024, the
telah melaksanakan perhitungan nilai tercatat Company has calculated the carrying value of
cadangan piutang tak tertagih untuk awal tahun the allowance for doubtful accounts for the
fiskal 2024 dan selisih lebih diakui sebagai biaya beginning of the fiscal year 2024, and the excess
yang dibebankan seluruhnya untuk tahun fiskal is recognised as an expense fully charged to the
2024. fiscal year 2024.
e. Pemeriksaan pajak e. Tax assessments
Tahun fiskal 2019 Fiscal year 2019
Pada tanggal 1 November 2023, Perseroan On 1 November 2023, the Company received a
menerima surat dari Direktorat Jenderal Pajak letter from Directorate General of Tax (“DJP”)
(“DJP”) perihal Pemberitahuan Pemeriksaan regarding the Notification of Field Audit for the
Audit tahun fiskal 2019. fiscal year 2019.
Halaman - 5/62 - Page
Page 445
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PERPAJAKAN (lanjutan) 12. TAXATION (continued)
e. Pemeriksaan pajak (lanjutan) e. Tax assessments (continued)
Tahun fiskal 2019 (lanjutan) Fiscal year 2019 (continued)
Pada tanggal 20 September 2024, Perseroan On 20 September 2024, the Company received
telah menerima Surat Ketetapan Pajak (“SKP”). a Tax Assessment Letter (“SKP”) to confirmed
SKP tersebut menetapkan kurang bayar atas underpayment of value added tax (“VAT”),
Pajak Pertambahan Nilai, Pajak Penghasilan current income tax (“CIT”), income tax article 21,
Badan, PPh 21, PPh 23 dan PPh Pasal 4 (2) income tax article 23, and income tax article 4 (2)
dengan jumlah keseluruhan sebesar Rp 2.303 with total amount Rp 2,303 (including penalty).
(termasuk denda).
Pada tanggal 16 Oktober 2024, kurang bayar ini On 16 October 2024, this underpayment has
telah dibayar sebesar Rp 2.303. been paid amounting Rp 2,303.
Tahun fiskal 2018 Fiscal year 2018
Pada tanggal 23 Agustus 2021, Perseroan On 23 August 2021, the Company received a
menerima surat dari Direktorat Jenderal Pajak letter from Directorate General of Tax (“DJP”)
(“DJP”) perihal Pemberitahuan Pemeriksaan regarding the Notification of Field Audit for the
Audit tahun fiskal 2018. fiscal year 2018.
Pada tanggal 8 Desember 2022, Perseroan On 8 December 2022, the Company received a
telah menerima Surat Ketetapan Pajak (“SKP”). Tax Assessment Letter (“SKP”) to confirmed
SKP tersebut menetapkan kurang bayar atas underpayment of value added tax (“VAT”),
pajak pertambahan nilai, pajak penghasilan current income tax (“CIT”), income tax article 21,
badan, PPh 21, PPh 23 dan PPh Pasal 4 (2) income tax article 23, and income tax article 4 (2)
dengan jumlah keseluruhan sebesar Rp 7.997 with total amount Rp 7,997 (including penalty).
(termasuk denda).
Kurang bayar ini telah dibayar pada tanggal The underpayment has been paid on 19 January
19 Januari 2023 dan sebagian telah dibukukan 2023 and a portion has been booked in claim for
pada klaim atas restitusi pajak. tax refund.
Perseroan telah mengajukan keberatan pada The Company has filed an objection on
tanggal 14 Maret 2023 atas SKP terkait dengan 14 March 2023 related to the underpayment of
kurang bayar atas pajak pertambahan nilai value added tax amounting Rp 2,101 and overall
sebesar Rp 2.101 dan ditolak oleh Kantor Pajak has been rejected by Tax Office on 27 February
pada tanggal 27 Februari 2024. 2024.
Perseroan telah mengajukan banding pada The Company has filed an appeal On 19 April
tanggal 19 April 2024 terkait dengan kekurangan 2024 related to the underpayment of VAT and up
pembayaran PPN dan hingga tanggal laporan to the date of this financial statements, the
keuangan ini, banding tersebut masih dalam appeal is still being reviewed by tax court.
peninjauan oleh pengadilan pajak.
Tahun fiskal 2017 Fiscal year 2017
Pada tanggal 3 September 2020, Perseroan On 3 September 2020, the Company received
menerima Surat Ketetapan Pajak (“SKP”) untuk Tax Assessment Letter (“SKP”) for the fiscal year
tahun fiskal 2017. SKP tersebut menetapkan 2017. The assessment confirmed underpayment
kurang bayar atas pajak pertambahan nilai, of value added tax, corporate income tax,
pajak penghasilan badan, PPh 21, PPh 23 dan income tax article 21, income tax article 23 and
PPh 4 (2) dengan jumlah keseluruhan sebesar income tax article 4 (2) with total amount
Rp 61.474 (termasuk denda). Rp 61,474 (including penalty).
Halaman - 5/63 - Page
Page 446
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PERPAJAKAN (lanjutan) 12. TAXATION (continued)
e. Pemeriksaan pajak (lanjutan) e. Tax assessments (continued)
Tahun fiskal 2017 (lanjutan) Fiscal year 2017 (continued)
Kurang bayar ini telah dibayar pada tanggal This underpayment has been paid on
24 September 2020 dan sebagian telah 24 September 2020 and a portion has been
dibukukan pada klaim atas restitusi pajak. booked in claim for tax refund. The Company
Perseroan telah mengajukan keberatan atas has filed an objection related to the
SKP terkait dengan kurang bayar atas pajak underpayment of value added tax and corporate
pertambahan nilai dan pajak penghasilan badan income tax amounting Rp 58,644 on
sebesar Rp 58.644 pada tanggal 20 November 20 November 2020.
2020.
Pada tanggal 18 Oktober 2021, Perseroan On 18 October 2021, the Company received
menerima Surat Keputusan Keberatan atas Objection Decision Letter on VAT and CIT
Surat Ketetapan Pajak PPh Badan dan Pajak assessment letter. On that objection decision,
Pertambahan Nilai (“PPN”). Dalam surat Tax Office only agreed on CIT objection request
keputusan keberatan tersebut, Kantor Pajak amounting to Rp 8,890. On 14 January 2022, the
hanya menyetujui permohonan keberatan pajak Company submitted the request for appeal on
PPh Badan sebesar Rp 8.890. Pada tanggal above objection that have not been granted to
14 Januari 2022, Perseroan telah mengajukan the tax court.
permohonan banding atas keberatan yang
belum dikabulkan ke pengadilan pajak.
Pada tanggal 16 Februari 2024, Perseroan On 16 February 2024, the Company received
menerima surat keputusan hasil banding dari the decision letter confirming the result of the
pengadilan pajak yang mengabulkan sebagian appeal from tax court that only approved the
dari permohonan Perseroan atas Pajak Company’s underpayment of value added tax for
Pertambahan Nilai untuk pajak tahun 2017 fiscal year 2017 amounting to Rp 48,585 from
sebesar Rp 48.585 dari yang diklaim the amount originally claimed by the Company.
sebelumnya oleh Perseroan.
Pada tanggal 18 April 2024, Perseroan On 18 April 2024, the Company submitted for
mengajukan peninjauan kembali ke Mahkamah judicial review to the Supreme Court related to
Agung terkait dengan PPN senilai Rp 1.168. the underpayment of VAT amounting to 1,168.
Sampai dengan tanggal laporan keuangan ini Up to the date of this financial statements, the
Perseroan masih menunggu hasil formal dari request is still being reviewed by the Supreme
Mahkamah Agung. Court.
Pada tanggal 3 Mei 2024, DJP juga mengajukan On 3 May 2024, the tax office has filed a judicial
peninjauan kembali ke Mahkamah Agung terkait review against the decision of this appeal related
dengan hasil banding yang dikabulkan oleh Tax Appeal approve by tax court amounting to
pengadilan pajak sebesar Rp 48.585. Sampai Rp 48,585. Up to the date of this financial
dengan tanggal laporan keuangan ini, statements, the Company is still waiting the
Perseroan masih menunggu hasil formal dari formal results from the Supreme Court.
Mahkamah Agung.
Tahun fiskal 2016 Fiscal year 2016
Pada tanggal 6 Desember 2018, Perseroan On 6 December 2018, the Company received tax
menerima Surat Ketetapan Pajak (“SKP”) untuk assessment letter for the fiscal year 2016. The
tahun fiskal 2016. SKP tersebut menetapkan assessment confirmed underpayment of value
kurang bayar atas pajak pertambahan nilai, added tax, corporate income tax, income tax
pajak penghasilan badan, PPh 21, PPh 23, PPh article 21, income tax article 23, income tax
26 dan PPh 4 (2) dengan jumlah keseluruhan article 26 and income tax article 4 (2) with total
sebesar Rp 52.410 (termasuk denda). amount Rp 52,410 (including penalty).
Halaman - 5/64 - Page
Page 447
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PERPAJAKAN (lanjutan) 12. TAXATION (continued)
e. Pemeriksaan pajak (lanjutan) e. Tax assessments (continued)
Tahun fiskal 2016 (lanjutan) Fiscal year 2016 (continued)
Kurang bayar ini telah dibayar pada tanggal This underpayment has been paid on
19 Desember 2018 dan sebagian telah 19 December 2018 and a portion has been
dibukukan pada klaim atas restitusi pajak. booked in claim for tax refund. The Company has
Perseroan telah mengajukan keberatan atas filed an objection related to the underpayment of
SKP terkait dengan kurang bayar atas pajak value added tax amounting Rp 38,022 and
pertambahan nilai sebesar Rp 38.022 dan overall has been rejected by Tax Office on
ditolak oleh Kantor Pajak pada tanggal 8 November 2019 and 10 December 2019. On
8 November 2019 dan 10 Desember 2019. Pada 5 February 2020, the Company submitted the
tanggal 5 Februari 2020, Perseroan telah request for appeal on the above objection that
mengajukan permohonan banding keberatan have not been granted to the tax Court.
yang belum dikabulkan ke pengadilan pajak.
Pada tanggal 15 Oktober 2021, Perseroan On 15 October 2021, the Company received the
menerima surat keputusan hasil banding dari decision letter confirming the result of the appeal
pengadilan pajak yang mengabulkan sebagian from tax court that only approved the Company’s
dari permohonan Perseroan atas pajak underpayment of value added tax for fiscal year
pertambahan nilai untuk pajak tahun 2016 2016 amounting to Rp 17,512 from the amount
sebesar Rp 17.512 dari yang diklaim originally claimed by the Company.
sebelumnya oleh Perseroan.
Pada tanggal 12 Januari 2022, Perseroan On 12 January 2022, the Company submitted for
mengajukan peninjauan kembali ke Mahkamah judicial review to the Supreme Court. Judicial
Agung. Permohonan Peninjauan Kembali review request has been partially issued by the
sebagian telah dikeluarkan oleh Mahkamah Supreme Court, where the total judicial review
Agung, dimana total permohonan Peninjauan request won by the Company amounting to
Kembali dimenangkan oleh Perseroan sebesar Rp 15,573 and rejected by the Supreme Court
Rp 15.573 dan ditolak oleh Mahkamah Agung amounted to Rp 1,345. Up to the date of this
sebesar Rp 1.345. Sampai dengan tanggal financial statements, for the remaining judicial
laporan keuangan ini, atas sisa permohonan review request amounting to Rp 1,534, the
peninjauan kembali sebesar Rp 1.534, Company is still waiting for the formal result from
Perseroan masih menunggu hasil formal dari Supreme Court.
Mahkamah Agung.
13. UTANG LAIN-LAIN 13. OTHER PAYABLES
2024 2023
Pihak ketiga Third parties
- Liabilitas sewa 98,745 76,688 Lease liability -
- Dana sosial 10,988 8,920 Social fund -
- Titipan premi asuransi konsumen 2,927 15,808 Insurance premium payment from customer -
- Kliring konsumen 2,117 11,393 Customer clearing accounts -
- Uang muka dari konsumen 1,324 1,348 Advances payment from customers -
- Uang muka perpanjangan Advances payment for renewal of -
surat tanda kendaraan bermotor 425 1,085 motor vehicles ownership certificates
- Klaim asuransi konsumen 291 7,065 Customer insurance claim -
116,817 122,307
Pihak berelasi Related parties
- Liabilitas sewa 39,811 28,455 Lease liability -
- Kliring konsumen 55,455 26,434 Customer clearing accounts -
95,266 54,889
212,083 177,196
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
Halaman - 5/65 - Page
Page 448
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN 14. BORROWINGS
2024 2023
Pihak ketiga Third parties
Pinjaman bank Bank loans
Rupiah Rupiah
PT Bank Mandiri (Persero) Tbk 4,856,297 2,345,136 PT Bank Mandiri (Persero) Tbk
PT Bank Pan Indonesia Tbk 3,693,668 3,352,132 PT Bank Pan Indonesia Tbk
PT Bank Central Asia Tbk 3,034,444 3,174,464 PT Bank Central Asia Tbk
Standard Chartered Indonesia 1,819,876 2,095,997 Standard Chartered Indonesia
MUFG Bank Ltd, Cabang Jakarta 1,140,000 100,000 MUFG Bank Ltd, Jakarta Branch
PT Bank SMBC Indonesia Tbk 775,000 - PT Bank SMBC Indonesia Tbk
PT Bank Negara Indonesia (Persero) Tbk 458,323 - PT Bank Negara Indonesia (Persero) Tbk
PT Bank Maybank Indonesia Tbk 249,832 416,232 PT Bank Maybank Indonesia Tbk
PT Bank BCA Syariah 177,580 - PT Bank BCA Syariah
PT Bank Panin Dubai Syariah Tbk 156,802 235,505 PT Bank Panin Dubai Syariah Tbk
PT Bank Muamalat Indonesia Tbk 110,918 177,303 PT Bank Muamalat Indonesia Tbk
PT Bank Shinhan Indonesia - 20,824 PT Bank Shinhan Indonesia
PT Bank CIMB Niaga Tbk - 750,000 PT Bank CIMB Niaga Tbk
16,472,740 12,667,593
Pinjaman sindikasi Syndicated loans
Dolar AS US Dollar
PT Bank HSBC Indonesia 5,523,785 1,685,920 PT Bank HSBC Indonesia
PT Bank DBS Indonesia 739,677 2,239,307 PT Bank DBS Indonesia
Mizuho Bank Ltd., Cabang Singapura - 579,093 Mizuho Bank Ltd., Singapore Branch
6,263,462 4,504,320
22,736,202 17,171,913
Berikut adalah nilai tercatat atas jumlah pinjaman Below is the carrying amount of the borrowings
Perseroan dan beban bunga yang masih harus owned by the Company and accrued interest
dibayar: expense:
2024 2023
Pinjaman 22,736,202 17,171,913 Borrowings
Beban bunga yang masih harus dibayar Accrued interest expense
(lihat Catatan 11) 99,831 72,714 (refer to Note 11)
22,836,033 17,244,627
Angsuran pinjaman sesuai dengan tanggal jatuh Borrowings have the following settlement aging
temponya: profile:
2024 2023
< 1 tahun 13,586,090 10,386,208 < 1 year
1 - 2 tahun 6,341,275 4,891,381 1 - 2 years
2 - 3 tahun 2,808,837 1,894,324 2 - 3 years
22,736,202 17,171,913
Pada tanggal 31 Desember 2024, pinjaman - As at 31 December 2024, the above borrowings bear
pinjaman tersebut di atas dikenakan suku bunga interest rates ranging between 5.20% - 7.20% per
5,20% - 7,20% per tahun untuk mata uang Rupiah annum for Rupiah currency (2023: 5.20% - 7.75%),
(2023: 5,20% - 7,75%), antara 5,03% - 5,69% per between 5.03% - 5.69% per annum for US Dollar
tahun untuk mata uang Dolar AS (2023: 6,07% - currency (2023: 6.07% - 6.31%). All borrowings as of
6,31%). Seluruh pinjaman bank per tanggal 31 December 2024 and 2023 are not secured with
31 Desember 2024 dan 2023 tidak dijamin dengan fiduciary (refer to Note 5).
jaminan fidusia (lihat Catatan 5).
Seluruh pinjaman Perseroan digunakan sebagai All of the Company’s borrowings are used for working
modal kerja dan pembiayaan konsumen. capital and consumer financing.
Halaman - 5/66 - Page
Page 449
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
Pembayaran bunga dan pokok pinjaman telah Interest and principal loan payments have been paid
dibayarkan oleh Perseroan sesuai dengan jadwal. by the Company on schedule.
Sesuai dengan beberapa perjanjian pinjaman, As specified by the loan agreements, the borrowers
debitur diwajibkan memenuhi kewajiban-kewajiban are required to comply with certain covenants, such
tertentu seperti batasan rasio keuangan. as financial ratio covenants.
Beberapa fasilitas pinjaman sindikasi di atas Some syndicated loan facilities above require the
mensyaratkan Perseroan untuk memberikan Company to provide written notice in respect of
pemberitahuan tertulis dalam hal pembagian dividen, dividend payments, changes of capital and
perubahan modal dan pemegang saham, perubahan shareholders, changes of directors and
susunan direksi dan komisaris dan perubahan bisnis commissioners and changes of main business.
utama. Dalam perjanjian pinjaman tersebut, Under the loan agreement, the Company is obliged
Perseroan diwajibkan untuk menjaga rasio jumlah to maintain debt to equity ratio at the maximum 10:1
pinjaman terhadap ekuitas tidak melebihi rasio 10:1 and other reporting obligations.
dan kewajiban penyampaian laporan lainnya.
Perseroan telah memenuhi pembatasan- The Company has fulfilled the debt covenants
pembatasan yang diwajibkan dalam perjanjian requirements outlined in loan agreements.
pinjaman.
PT Bank Mandiri (Persero) Tbk PT Bank Mandiri (Persero) Tbk
Pada tanggal 4 November 2015, Perseroan telah On 4 November 2015, the Company obtained a short
menerima fasilitas pinjaman jangka pendek dari PT term loan facility from PT Bank Mandiri (Persero) Tbk
Bank Mandiri (Persero) Tbk sebesar Rp 500.000. amounting to Rp 500,000. This facility has been
Fasilitas ini telah diperpanjang hingga 20 Desember extended until 20 December 2025.
2025.
Pada tanggal 3 April 2020, Perseroan telah On 3 April 2020, the Company obtained a long term
menerima fasilitas jangka panjang dari PT Bank credit facility from PT Bank Mandiri (Persero) Tbk
Mandiri (Persero) Tbk sebesar Rp 1.500.000. amounted to Rp 1,500,000. The Company has fully
Perseroan telah menggunakan seluruh fasilitas ini utilised this facility through drawdown on 19 May
melalui penarikan pada tanggal 19 Mei 2020, 2020, 31 March 2021, and 1 April 2021, where each
31 Maret 2021, dan 1 April 2021, masing-masing drawdown amounted to Rp 900,000, Rp 100,000,
sebesar Rp 900.000, Rp 100.000, dan Rp 500.000. and Rp 500,000, respectively. This facility will mature
Fasilitas ini memiliki jatuh tempo 3 tahun setelah 3 years after the drawdown date, namely on 19 May
tanggal penarikan yaitu pada tanggal 19 Mei 2023 2023 for the first drawdown, and 23 March 2024 for
untuk penarikan pertama, dan masing-masing the second and third drawdown, respectively with
23 Maret 2024 untuk penarikan kedua dan ketiga monthly repayment commenced 1 month after each
dengan cicilan pembayaran pokok pinjaman yang drawdown date.
dimulai 1 bulan sejak setiap tanggal penarikan.
Pada tanggal 27 Mei 2021, Perseroan telah On 27 May 2021, the Company obtained a long term
menerima fasilitas jangka panjang dari PT Bank credit facility from PT Bank Mandiri (Persero) Tbk
Mandiri (Persero) Tbk sebesar Rp 1.500.000. amounted to Rp 1,500,000. The Company has fully
Perseroan telah menggunakan seluruh fasilitas ini utilised this facility through drawdown on 28 July
melalui penarikan pada tanggal 28 Juli 2021, 2021, 30 September 2021, 30 December 2021,
30 September 2021, 30 Desember 2021,
28 January 2022, 24 February 2022, and
28 Januari 2022, 24 Februari 2022, dan 28 April
2022 masing-masing sebesar Rp 300.000, 28 April 2022 where each drawdown amounted to
Rp 50.000, Rp 350.000, Rp 300.000, Rp 300,000, Rp 50,000, Rp 350,000,
Rp 300.000, dan Rp 200.000. Fasilitas ini memiliki Rp 300,000, Rp 300,000, and Rp 200.000,
jatuh tempo 3 tahun setelah tanggal penarikan yaitu respectively. This facility will mature 3 years after the
masing-masing pada tanggal 23 Juli 2024, drawdown date, respectively on 23 July 2024,
23 September 2024, 23 December 2024, 23 September 2024, 23 December 2024, 23 January
23 Januari 2025, 23 Februari 2025, dan 23 April 2025, 23 February 2025, and 23 April 2025 with
2025 dengan cicilan pembayaran pokok pinjaman monthly principal repayment commenced 1 month
yang dimulai 1 bulan sejak setiap tanggal penarikan. after each drawdown date.
Halaman - 5/67 - Page
Page 450
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Mandiri (Persero) Tbk (lanjutan) PT Bank Mandiri (Persero) Tbk (continued)
Pada tanggal 14 Desember 2022, Perseroan telah On 14 December 2022, the Company obtained a
menerima fasilitas jangka panjang dari PT Bank long-term credit facility from PT Bank Mandiri
Mandiri (Persero) Tbk sebesar Rp 1.500.000. (Persero) Tbk amounted to Rp 1,500,000. The
Perseroan telah menggunakan seluruh fasilitas ini Company has fully utilised this facility through
melalui penarikan pada tanggal 16 Desember 2022, drawdown on 16 December 2022, 19 December
19 Desember 2022, 20 Desember 2022, dan 2022, 20 December 2022, and 29 December 2022
29 Desember 2022 masing-masing sebesar where each drawdown amounted to Rp 300,000, Rp
Rp 300.000, Rp 300.000, Rp 450.000, dan 300,000, Rp 450,000, and Rp 450,000, respectively.
Rp 450.000. Fasilitas ini memiliki jatuh tempo 3 tahun This facility will mature 3 years after drawdown which
setelah tanggal penarikan yaitu pada tanggal 23 is 23 December 2025 for all drawdowns, with
Desember 2025 untuk semua penarikan, dengan quarterly principal repayment commenced 3 months
cicilan pembayaran pokok pinjaman triwulan dimulai after each drawdown date.
3 bulan sejak setiap tanggal penarikan.
Pada tanggal 30 Juni 2023, Perseroan telah On 30 June 2023, the Company obtained a long term
menerima fasilitas jangka panjang dari PT Bank credit facility from PT Bank Mandiri (Persero) Tbk
Mandiri (Persero) Tbk sebesar Rp 1.500.000. amounted to Rp 1,500,000. The Company has fully-
Perseroan telah menggunakan seluruh fasilitas ini utilised this facility through drawdown on 14 July
melalui penarikan pada tanggal 14 Juli 2023, 2023, 8 August 2023, and 23 April 2024 where each
8 Agustus 2023, dan 23 April 2024 masing-masing drawdown amounted to Rp 500,000, Rp 150,000,
sebesar Rp 500.000, Rp 150.000, dan Rp 850.000. and Rp 850,000, respectively. This facility will mature
Fasilitas ini memiliki jatuh tempo 3 years after drawdown date, respectively on 14 July
3 tahun setelah tanggal penarikan yaitu masing- 2026, 8 August 2026, and 23 April 2027 with
masing pada tanggal 14 Juli 2026, 8 Agustus 2026, quarterly principal repayment commenced 3 months
dan 23 April 2027 dengan cicilan pembayaran pokok after each drawdown date.
pinjaman triwulan dimulai 3 bulan sejak setiap
tanggal penarikan.
Pada tanggal 30 Juli 2024, Perseroan telah On 30 July 2024, the Company obtained a long term
menerima fasilitas jangka panjang dari PT Bank credit facility from PT Bank Mandiri (Persero) Tbk
Mandiri (Persero) Tbk sebesar Rp 3.000.000. amounted to Rp 3,000,000. The Company has
Perseroan telah menggunakan fasilitas ini sebesar utilised this facility amounted to Rp 2,850,000
Rp 2.850.000 melalui penarikan pada tanggal 31 Juli through drawdown on 31 July 2024, 29 November
2024, 29 November 2024, 2 Desember 2024, 19 2024, 2 December 2024, 19 December 2024, and 30
Desember 2024, dan 30 Desember 2024 masing- December 2024 where each drawdown amounted to
masing sebesar Rp 1.500.000, Rp 200.000, Rp 1,500,000, Rp 200,000, Rp 500,000, Rp 500,000,
Rp 500.000, Rp 500.000, dan Rp 150.000. Fasilitas and Rp 150,000, respectively. This facility will mature
ini memiliki jatuh tempo 3 tahun setelah tanggal 3 years after the drawdown date, namely on 23 July
penarikan yaitu pada tanggal 23 Juli 2027 untuk 2027 for the first drawdown, 23 November 2027 for
penarikan pertama, masing-masing 23 November the second, third, and fourth drawdown, respectively,
2027 untuk penarikan kedua, ketiga, dan keempat and 23 December 2027 for fifth drawdown with
dan 23 Desember 2027 untuk penarikan kelima quarterly with quarterly principal repayment
dengan cicilan pembayaran pokok pinjaman triwulan commenced 3 months after each drawdown date.
dimulai 3 bulan sejak setiap tanggal penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Mandiri (Persero) Tbk amounted to
Mandiri (Persero) Tbk sebesar Rp 1.487.500 Rp 1,487,500 (2023: Rp 1,379,167).
(2023: Rp 1.379.167).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, total saldo As at 31 December 2024, total outstanding balance
terutang atas pinjaman terhadap PT Bank Mandiri from PT Bank Mandiri (Persero) Tbk amounted to
(Persero) Tbk sebesar Rp 4.856.297 (2023: Rp 4,856,297 (2023: Rp 2,345,136).
Rp 2.345.136).
Halaman - 5/68 - Page
Page 451
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Pan Indonesia Tbk PT Bank Pan Indonesia Tbk
Pada tanggal 31 Mei 2021, Perseroan telah On 31 May 2021, the Company obtained a long term
menerima fasilitas jangka panjang dari PT Bank Pan credit facility from PT Bank Pan Indonesia Tbk
Indonesia Tbk sebesar Rp 1.000.000. Perseroan amounted to Rp 1,000,000. The Company has fully
telah menggunakan seluruh fasilitas ini melalui utilised this facility amounted through drawdown on
penarikan pada tanggal 31 Agustus 2021, 30 31 August 2021, 30 December 2021, 29 June 2022,
Desember 2021, 29 Juni 2022, dan 4 Juli 2022 and 4 July 2022 where each drawdown is amounted
masing-masing sejumlah Rp 100.000, Rp 300.000, to Rp 100,000, Rp 300,000, Rp 300,000, and,
Rp 300.000, dan Rp 300.000. Fasilitas ini memiliki Rp 300,000, respectively. This facility will mature
jatuh tempo 3 tahun setelah tanggal penarikan yaitu 3 years after the drawdown date, respectively on
masing-masing pada tanggal 31 Agustus 2024, 30 31 August 2024, 30 December 2024, 29 June 2025,
Desember 2024, 29 Juni 2025, dan 4 Juli 2025 and 4 July 2025 with quarterly repayment
dengan cicilan pembayaran pokok pinjaman triwulan commenced 3 months after each drawdown date.
yang dimulai 3 bulan sejak setiap tanggal penarikan.
Pada tanggal 6 September 2022, Perseroan telah On 6 September 2022, the Company obtained a long
menerima fasilitas jangka panjang dari PT Bank Pan term credit facility from PT Bank Pan Indonesia Tbk
Indonesia Tbk sebesar Rp 1.000.000. Perseroan amounted to Rp 1,000,000. The Company has fully
telah menggunakan seluruh fasilitas ini sebesar utilised this facility amounted at Rp 1,000,000
Rp 1.000.000 melalui penarikan pada tanggal through drawdown on 30 September 2022,
30 September 2022, 20 Oktober 2022, dan 20 October 2022, and 12 December 2022 where
12 Desember 2022 masing-masing sebesar each drawdown is amounted to Rp 100,000, Rp
Rp 100.000, Rp 500.000, dan Rp 400.000. Fasilitas 500,000, and Rp 400,000, respectively. This facility
ini memiliki jatuh tempo 3 tahun setelah tanggal will mature 3 years after the drawdown date,
penarikan yaitu pada tanggal 30 September 2025, respectively on 30 September 2025, 20 October
20 Oktober 2025, dan 12 Desember 2025 dengan 2025, and 12 December 2025 with quarterly
cicilan pembayaran pokok pinjaman triwulan yang repayment commenced 3 months after each
dimulai 3 bulan sejak setiap tanggal penarikan. drawdown date.
Pada tanggal 29 Maret 2023, perseroan telah On 29 March 2023, the Company obtanied a long
menerima fasilitas jangka panjang dari PT Bank Pan term credit facility from PT Bank Pan Indonesia Tbk
Indonesia Tbk sebesar Rp 1.500.000. Perseroan amounted to Rp 1,500,000. The company has fully
telah menggunakan seluruh fasilitas ini melalui utilised this facility through drawdown on 13 April
penarikan pada tanggal 13 April 2023 dan 10 Mei 2023 and 10 May 2023 each amounted to Rp
2023 masing- masing sebesar Rp 600.000 dan Rp 600,000 and Rp 900,000, respectively. This facility
900.000. Fasilitas ini memiliki jatuh tempo 3 tahun will mature 3 years after the drawdown date,
setelah tanggal penarikan yaitu pada tanggal 13 April respectively on 13 April 2026 and 8 May 2026 with
2026 dan 8 Mei 2026 dengan cicilan pembayaran quarterly repayment commenced 3 months after
pokok pinjaman triwulan yang dimulai 3 bulan sejak each drawdown date.
setiap tanggal penarikan.
Pada tanggal 13 Oktober 2023, Perseroan telah On 13 October 2023, the Company obtained a long
menerima fasilitas jangka panjang dari PT Bank Pan term credit facility from PT Bank Pan Indonesia Tbk
Indonesia Tbk sebesar Rp 1.000.000. Perseroan amounted to Rp 1,000,000. The Company has fully
telah menggunakan seluruh fasilitas ini melalui utilised this facility through a drawdown on 20
penarikan pada tanggal 20 Oktober 2023 sebesar October 2023 amounted to Rp 1,000,000. This
Rp 1.000.000. Fasilitas ini memiliki jatuh tempo facility will mature 3 years after the drawdown date,
3 tahun setelah tanggal penarikan yaitu pada tanggal on 20 October 2026 with quarterly repayment
20 Oktober 2026 dengan cicilan pembayaran pokok commenced 3 months after each drawdown date.
pinjaman triwulan yang dimulai 3 bulan sejak setiap
tanggal penarikan.
Pada tanggal 6 Mei 2024, Perseroan telah On 6 May 2024, the Company obtained a long term
memperoleh fasilitas jangka panjang dari PT Bank credit facility from PT Bank Pan Indonesia Tbk
Pan Indonesia Tbk sebesar Rp 1.000.000. amounted to Rp 1,000,000. The Company has fully
Perseroan telah menggunakan seluruh fasilitas ini utilised this facility through a drawdown on 20 May
melalui penarikan pada tanggal 20 Mei 2024 sebesar 2024 amounted to Rp 1,000,000. This facility will
Rp 1.000.000. Fasilitas ini memiliki jatuh tempo mature 3 years after the drawdown date, on 20 May
3 tahun setelah tanggal penarikan yaitu pada tanggal 2027, with quarterly repayment commenced 3
20 Mei 2027 dengan cicilan pembayaran pokok months after each drawdown date.
pinjaman triwulan yang dimulai 3 bulan sejak setiap
tanggal penarikan.
Halaman - 5/69 - Page
Page 452
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Pan Indonesia Tbk (lanjutan) PT Bank Pan Indonesia Tbk (continued)
Pada tanggal 19 Desember 2024, Perseroan telah On 19 December 2024, the Company obtained a
memperoleh fasilitas jangka panjang dari PT Bank long-term credit facility from PT Bank Pan Indonesia
Pan Indonesia Tbk sebesar Rp 1.000.000. Tbk amounted to Rp 1,000,000. The Company has
Perseroan telah menggunakan seluruh fasilitas ini fully utilised this facility through a drawdown on
melalui penarikan pada tanggal 20 Desember 2024 20 December 2024 amounted to Rp 1,000,000. This
sebesar Rp 1.000.000. Fasilitas ini memiliki jatuh facility will mature 3 years after the drawdown date,
tempo 3 tahun setelah tanggal penarikan yaitu pada on 20 December 2027, with quarterly repayment
tanggal 20 Desember 2027 dengan cicilan commenced 3 months after each drawdown date.
pembayaran pokok pinjaman triwulan yang dimulai
3 bulan sejak setiap tanggal penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, The Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Pan Indonesia Tbk amounted to
Pan Indonesia Tbk sebesar Rp 1.658.333 Rp 1,658,333 (2023: Rp 916,667)
(2023: Rp 916.667).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, saldo terutang As at 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank Pan Indonesia Tbk from PT Bank Pan Indonesia Tbk amounted to Rp
sebesar Rp 3.693.668 (2023: Rp 3.352.132). 3,693,668 (2023: Rp 3,352,132).
PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Pada tanggal 26 November 2012, Perseroan telah On 26 November 2012, the Company obtained a
menerima fasilitas jangka pendek revolving short term revolving Uncommitted Money Market
Uncommitted Money Market Line dari PT Bank Line facility from PT Bank Central Asia Tbk with a
Central Asia Tbk dengan batas maksimum kredit maximum facility amounted to Rp 500,000. This
sebesar Rp 500.000. Fasilitas ini telah berubah facility was changed to Rp 241,000 on 7 April 2014.
menjadi Rp 241.000 pada tanggal 7 April 2014. Pada On 31 March 2015, the facility was changed to
tanggal 31 Maret 2015, fasilitas ini telah berubah Rp 500,000. The facility has matured on 14 July
menjadi Rp 500.000. Fasilitas ini telah jatuh tempo 2014 and has been extended until 14 November
pada tanggal 14 Juli 2014 dan telah diperpanjang 2015. This facility was changed to Rp 1,000,000 on
hingga 14 November 2015. Fasilitas ini telah 18 December 2015 and has matured on 14 July
berubah menjadi Rp 1.000.000 pada tanggal 2016. This facility was changed to Rp 1,200,000 on
18 Desember 2015 dan telah berakhir pada tanggal 13 September 2016. This facility has been extended
14 Juli 2016. Fasilitas ini telah berubah menjadi until 14 July 2025.
Rp 1.200.000 pada tanggal 13 September 2016.
Fasilitas ini telah diperpanjang hingga 14 Juli 2025.
Pada tanggal 12 Oktober 2020, Perseroan telah On 12 October 2020, the Company obtained a long
menerima fasilitas jangka panjang dari PT Bank term credit facility from PT Bank Central Asia Tbk
Central Asia Tbk sebesar Rp 1.000.000. Perseroan amounted to Rp 1,000,000. The Company has fully
telah menggunakan seluruh fasilitas ini melalui utilised this facility through drawdown on 30 April
penarikan pada tanggal 30 April 2021 dan 5 Mei 2021 and 5 May 2021, where each drawdown is
2021, masing-masing sebesar Rp 100.000 dan Rp 100,000 and Rp 900,000, respectively. This
Rp 900.000. Fasilitas ini memiliki jatuh tempo 3 tahun facility will mature 3 years after the drawdown date,
setelah tanggal penarikan yaitu pada 30 April 2024 respectively on 30 April 2024 and 3 May 2024 with
dan 3 Mei 2024 dengan cicilan pembayaran pokok quarterly repayment commenced 3 months after
pinjaman triwulan yang dimulai 3 bulan sejak setiap each drawdown date. This facility had been repaid at
tanggal penarikan. Fasilitas ini telah dilunasi pada maturity date and was not renewed.
saat jatuh tempo dan tidak diperpanjang.
Halaman - 5/70 - Page
Page 453
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Central Asia Tbk (lanjutan) PT Bank Central Asia Tbk (continued)
Pada tanggal 24 Juni 2021, Perseroan telah On 24 June 2021, the Company obtained a long term
menerima fasilitas jangka panjang dari PT Bank credit facility from PT Bank Central Asia Tbk
Central Asia Tbk sebesar Rp 1.500.000. Perseroan amounted to Rp 1,500,000. The Company has fully
telah menggunakan seluruh fasilitas ini melalui utilised this facility through drawdown on 31 August
penarikan pada tanggal 31 Agustus 2021, 2021, 30 September 2021, 24 February 2022, and
30 September 2021, 24 Februari 2022, dan 29 November 2022 where each drawdown amounted
29 November 2022 masing-masing sebesar to Rp 100,000, Rp 200,000, Rp 100,000, and
Rp 100.000, Rp 200.000, Rp 100.000, dan Rp 1,100,000, respectively. This facility will mature
Rp 1.100.000. Fasilitas ini memiliki jatuh tempo 3 years after the drawdown date, respectively on
3 tahun setelah tanggal penarikan yaitu pada 31 August 2024, 30 September 2024, 24 February
31 Agustus 2024, 30 September 2024, 24 Februari 2025, and 29 November 2025 with quarterly
2025, dan 29 November 2025 dengan cicilan repayment commenced 3 months after each
pembayaran pokok pinjaman triwulan yang dimulai drawdown date.
3 bulan sejak setiap tanggal penarikan.
Pada tanggal 20 Maret 2023, Perseroan telah On 20 March 2023, the Company obtained a long
menerima fasilitas jangka panjang dari PT Bank term credit facility PT Bank Central Asia Tbk
Central Asia Tbk sebesar Rp 1.500.000. amounted to Rp 1,500,000. The Company has
Perseroan telah menggunakan seluruh fasilitas ini fully utilised this facility through drawdown on
melalui penarikan pada tanggal 18 April 2023, 18 April 2023, 10 May 2023, and 25 May 2023,
10 Mei 2023, dan 25 Mei 2023, masing-masing where each drawdown amounted to Rp 300,000,
sebesar Rp 300.000, Rp 700.000, dan Rp 700,000, and Rp 500,000, respectively. This
Rp 500.000. Fasilitas ini memiliki jatuh tempo facility will mature 3 years after the drawdown
3 tahun setelah tanggal penarikan yaitu pada 18 date, respectively on 18 April 2026, 10 May 2026,
April 2026, 10 Mei 2026, dan 25 Mei 2026 dengan and 25 May 2026 with quarterly repayment
cicilan pembayaran pokok pinjaman triwulan yang commenced 3 months after each drawdown date.
dimulai 3 bulan sejak tanggal tanggal penarikan.
Pada tanggal 20 September 2023, Perseroan On 20 September 2023, the Company obtained a
telah menerima fasilitas jangka panjang dari long term credit facility PT Bank Central Asia Tbk
PT Bank Central Asia Tbk sebesar Rp 1.500.000. amounted to Rp 1,500,000. The Company has
Perseroan telah menggunakan seluruh fasilitas ini fully utilised this facility through drawdown on
melalui melalui penarikan pada tanggal 21 September 2023 and 1 April 2024,
21 September 2023 dan 1 April 2024, masing- respectively, where each drawdown amounted to
masing sebesar Rp 1.000.000 dan Rp 500.000. Rp 1,000,000 and Rp 500,000, respectively. This
Fasilitas ini memiliki jatuh tempo 3 tahun setelah facility will mature 3 years after the drawdown
tanggal penarikan yaitu pada 21 September 2026 date, respectively on 21 September 2026 and 1
dan 1 April 2027 dengan cicilan pembayaran April 2027 with quarterly repayment commenced
pokok pinjaman triwulan yang dimulai 3 bulan 3 months after each drawdown date.
sejak tanggal penarikan.
Pada tanggal 6 Mei 2024, Perseroan telah On 6 May 2024, the Company obtained a long
menerima fasilitas jangka panjang dari PT Bank term credit facility from PT Bank Central Asia Tbk
Central Asia Tbk sebesar Rp 1.500.000. amounted to Rp 1,500,000. The Company has
Perseroan telah menggunakan fasilitas ini sebesar utilised this facility amounted to Rp 1,000,000
Rp 1.000.000 melalui penarikan pada tanggal 1 through a drawdown on 1 August 2024. This
Agustus 2024. Fasilitas ini memiliki jatuh tempo 3 facility will mature 3 years after the drawdown
tahun setelah tanggal penarikan yaitu pada date, on 1 August 2027, with quarterly repayment
tanggal 1 Agustus 2027 dengan cicilan commenced 3 months after each drawdown date.
pembayaran pokok pinjaman triwulan yang
dimulai 3 bulan sejak setiap tanggal penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Central Asia Tbk amounted to
Central Asia Tbk sebesar Rp 1.641.667 Rp 1,641,667 (2023: Rp 1,395,833).
(2023: Rp 1.395.833)
Pembayaran bunga dan pokok pinjaman telah Interest and principal has been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, saldo terutang As at 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank Central Asia Tbk from PT Bank Central Asia Tbk amounted to
sebesar Rp 3.034.444 (2023: Rp 3.174.464) Rp 3,034,444 (2023: Rp 3,174,464).
Halaman - 5/71 - Page
Page 454
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
Standard Chartered Indonesia Standard Chartered Indonesia
Pada tanggal 12 Desember 2023, Perseroan On 12 December 2023 the Company has obtained a
menerima fasilitas pinjaman dari Standard term loan facility from Standard Chartered Indonesia
Chartered Indonesia sebesar Rp 2.100.000. amounted to Rp 2,100,000. The Company has fully
Perseroan telah menggunakan seluruh fasilitas ini utilised this facility through drawdown on
melalui penarikan pada tanggal 18 Desember 2023 18 December 2023 and 21 December 2023, where
dan 21 Desember 2023, dengan masing-masing each drawdown amounted to Rp 1,000,000 and Rp
penarikan sebesar Rp 1.000.000 dan Rp 1.100.000. 1,100,000. This facility will mature 12 months since
Fasilitas ini memiliki masa jatuh tempo 12 bulan the drawdown date, respectively on 18 December
sejak tanggal penarikan yaitu masing-masing pada 2024 and 21 December 2024 with full (bullet)
tanggal 18 Desember 2024 dan 21 Desember 2024 repayment commenced on each drawdown maturity
dengan pembayaran pokok secara penuh pada date. This facility had been repaid at maturity date
tanggal jatuh tempo penarikan pinjaman. Fasilitas ini and was not renewed.
telah dilunasi pada saat jatuh tempo dan tidak
diperpanjang.
Pada tanggal 28 Agustus 2024, Perseroan On 28 August 2024 the Company has obtained a
memperoleh fasilitas pinjaman dari Standard term loan facility from Standard Chartered Bank,
Chartered Bank, Cabang Jakarta sebesar Jakarta Branch amounted to Rp 2,100,000. The
Rp 2.100.000. Perseroan telah menggunakan Company has fully utilised this facility through
seluruh fasilitas ini melalui penarikan pada tanggal drawdown on 19 September 2024 and 1 October
19 September 2024 dan 1 Oktober 2024, dengan 2024, where each drawdown amounted to
masing-masing penarikan sebesar Rp 1.100.000 dan Rp 1,100,000 and Rp 1,000,000, respectively. This
Rp 1.000.000. Fasilitas ini memiliki masa jatuh facility will mature 12 months since the drawdown
tempo 12 bulan sejak tanggal penarikan yaitu date, respectively on 19 September 2024 and
masing-masing pada tanggal 19 September 2025 1 October 2024 with quarterly repayment
dan 1 Oktober 2025 dengan cicilan pembayaran commenced 3 months after each drawdown date.
pokok pinjaman triwulan yang dimulai 3 bulan sejak
setiap tanggal penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari Standard from Standard Chartered Indonesia amounted to
Chartered Indonesia sebesar Rp 2.375.000 Rp 2,375,000 (2023: Rp 1,400,000).
(2023: Rp 1.400.000).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, total saldo As at 31 December 2024, total outstanding balance
terutang atas pinjaman terhadap Standard Chartered from Standard Chartered Indonesia amounted to
Indonesia sebesar Rp 1.819.876 Rp 1,819,876 (2023: Rp 2,095,997).
(2023: Rp 2.095.997).
MUFG Bank Ltd, Cabang Jakarta MUFG Bank Ltd, Jakarta Branch
Pada tanggal 27 Mei 2016, Perseroan menerima On 27 May 2016, the Company obtained
fasilitas pinjaman jangka pendek bersifat a multi-currency short term credit facility from MUFG
multi-currency dari MUFG Bank, Ltd, Cabang Jakarta Bank, Ltd, Jakarta Branch amounted to US Dollar
sebesar Dolar AS 25.000.000 (nilai penuh). Pada 25,000,000 (full amount). On 27 May 2017, the
tanggal 27 Mei 2017, fasilitas ini telah berubah facility was changed to US Dollar 30,000,000 (full
menjadi sebesar Dolar AS 30.000.000 (nilai penuh). amount). On 31 October 2023, the facility was
Pada tanggal 31 Oktober 2023, fasilitas ini telah changed to US Dollar 50,000,000 (full amount). On 3
berubah menjadi sebesar Dolar AS 50.000.000 (nilai December 2024, the facility was changed to US
penuh). Pada tanggal 3 Desember 2024, fasilitas ini Dollar 75,000,000 (full amount). The facility has been
telah berubah menjadi sebesar Dolar AS 75.000.000 extended until 3 December 2025
(nilai penuh). Fasilitas ini telah di perpanjang hingga
3 Desember 2025.
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, total saldo As at 31 December 2024, total outstanding balance
terutang atas pinjaman terhadap MUFG Bank Ltd, from MUFG Bank Ltd, Jakarta Branch amounted to
Cabang Jakarta Tbk sebesar Rp 1.140.000 (2023: Rp 1,140,000 (2023: Rp 100,000).
Rp 100.000)
Halaman - 5/72 - Page
Page 455
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank SMBC Indonesia Tbk PT Bank SMBC Indonesia Tbk
Pada tanggal 17 April 2012, Perseroan telah On 17 April 2012, the Company obtained an
mendapatkan fasilitas Uncommitted Money Market Uncommitted Money Market Line facility from
Line dari PT Bank SMBC Indonesia Tbk dengan PT Bank SMBC Indonesia Tbk amounted to
total Rp 400.000. Fasilitas ini telah diubah beberapa Rp 400,000. This facility has been amended several
kali, yang terakhir menjadi Rp 375.000 pada tanggal times, the latest up to Rp 375,000 on 4 January
4 Januari 2017. Pada tanggal 16 April 2018, 2017. On 16 April 2018, the Company has signed
Perseroan telah menandatangani perjanjian baru new agreement and changed this facility to ‘Pinjaman
dan memperbaharui jenis fasilitas ini menjadi Non-Bank’ which will matured on 23 November 2018.
‘Pinjaman Non-Bank’ yang telah jatuh tempo pada On 2 February 2021, this facility was changed to a
tanggal 23 November 2018. Pada tanggal 2 Februari multi-currency facility and has matured on 31 January
2021, fasilitas ini berubah menjadi bersifat 2022. On 19 November 2024 the loan facility has
multi-currency dan telah jatuh tempo pada tanggal been increased by Rp 400,000, hence the total facility
31 Januari 2022. Pada tanggal 19 November 2024 is Rp 775,000. This Facility has been extended and
telah dilakukan penambahan fasilitas sebesar will mature on 30 May 2025.
Rp 400.000, sehingga jumlah pokok menjadi
Rp 775.000. Fasilitas ini telah diperpanjang dan
akan jatuh tempo pada tanggal 30 Mei 2025.
Pada tanggal 31 Oktober 2022, Perseroan telah On 31 October 2022, the Company obtained a long
mendapatkan fasilitas jangka panjang dari PT Bank term credit facility from PT Bank SMBC Indonesia
SMBC Indonesia Tbk sebesar Rp 400.000. Tbk amounted to Rp 400,000. The Company has not
Perseroan belum melakukan penarikan terhadap utilised this facility. This facility has matured on
fasilitas ini. Fasilitas ini telah jatuh tempo pada 31 October 2024 and was not renewed.
31 Oktober 2024 dan tidak diperpanjang.
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, saldo terutang As of 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank SMBC Indonesia from PT Bank SMBC Indonesia Tbk amounted to
Tbk sebesar Rp 775.000 (2023: Rp nihil). Rp 775,000 (2023: Rp nil).
PT Bank Negara Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk
Pada tanggal 30 Agustus 2024, Perseroan telah On 30 August 2024, the Company obtained a long
mendapatkan fasilitas jangka panjang dari PT Bank term credit facility from PT Bank Negara Indonesia
Negara Indonesia (Persero) Tbk sebesar (Persero) Tbk amounted to Rp 500,000. The
Rp 500.000. Perseroan telah menggunakan seluruh Company has fully utilised this facility through
fasilitas ini melalui penarikan pada tanggal drawdown on 27 September 2024 amounted to
27 September 2024 sebesar Rp 500.000. Fasilitas ini Rp 500,000. This facility will mature 3 years after the
memiliki jatuh tempo 3 tahun setelah tanggal drawdown date, on 27 September 2027, with
penarikan yaitu pada tanggal 27 September 2027 monthly repayment commenced 1 month after
dengan cicilan pembayaran pokok pinjaman yang drawdown date.
dimulai 1 bulan sejak setiap tanggal penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, The Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Negara Indonesia (Persero) Tbk.
Negara Indonesia (Persero) Tbk sebesar Rp 41.667 amounted to Rp 41,667 (2023: Rp nil)
(2023: Rp nihil).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Halaman - 5/73 - Page
Page 456
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Negara Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk
(lanjutan) (continued)
Pada tanggal 31 Desember 2024, total saldo terutang As at 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank Negara Indonesia from PT Bank Negara Indonesia (Persero) Tbk
(Persero) Tbk sebesar Rp 458.323 (31 Desember amounted to Rp 458,323 (31 December 2023:
2023: Rp nihil). Rp nil).
PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
Pada tanggal 21 Desember 2022, Perseroan telah On 21 December 2022, the Company obtained a
mendapatkan fasilitas jangka panjang dari PT Bank long term credit facility from PT Bank Maybank
Maybank Indonesia Tbk sebesar Rp 500.000. Indonesia Tbk amounted to Rp 500,000.
Perseroan telah menggunakan seluruh fasilitas ini The Company has fully utilised this facility through
melalui penarikan pada tanggal 25 Mei 2023 dan drawdown on 25 May 2023 and 22 June 2023,
22 Juni 2023 masing-masing sebesar Rp 100.000 where each drawdown amounted to Rp 100,000 and
dan Rp 400.000. Fasilitas ini memiliki akan jatuh Rp 400,000, respectively. This facility will mature 3
tempo 3 tahun sejak tanggal penarikan yaitu pada years after the drawdown date, respectively on 25
tanggal 25 Mei 2026 dan 22 Juni 2026 dengan cicilan May 2026 and 22 June 2026 with monthly
pembayaran pokok bulanan yang dimulai 3 bulan repayment commenced 3 months after each
sejak setiap tanggal penarikan. drawdown date.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Maybank Indonesia Tbk amounted to
Maybank Indonesia Tbk sebesar Rp 166.667 Rp 166,667 (2023: Rp 83,333).
(2023: Rp 83.333).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, total saldo terutang As at 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank Maybank Indonesia from PT Bank Maybank Indonesia Tbk amounted to
Tbk sebesar Rp 249.832 (2023: Rp 416.232). Rp 249,832 (2023: Rp 416,232).
PT Bank BCA Syariah PT Bank BCA Syariah
Pada tanggal 29 Mei 2024, Perseroan telah On 29 May 2024, the Company obtained a long term
menerima fasilitas jangka panjang dari PT Bank BCA credit facility PT Bank BCA Syariah amounted to Rp
Syariah sebesar Rp 200.000. Perseroan telah 200,000. The Company has fully utilised this facility
menggunakan seluruh fasilitas ini melalui penarikan through drawdown on 26 August 2024 amounted to
pada tanggal 26 Agustus 2024 sebesar Rp 200.000. Rp 200,000. This facility will mature 3 years after the
Fasilitas ini memiliki jatuh tempo 3 tahun setelah drawdown date, on 15 August 2027, with monthly
tanggal penarikan yaitu pada tanggal 15 Agustus principal repayment commenced 1 month after each
2027 dengan cicilan pembayaran pokok pinjaman drawdown date.
yang dimulai 1 bulan sejak setiap tanggal penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank BCA Syariah amounted to Rp 22,222
BCA Syariah sebesar Rp 22.222 (2023: Rp nihil). (2023: Rp nil).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, saldo terutang atas As at 31 Desember 2024, total outstanding balance
pinjaman terhadap PT Bank BCA Syariah sebesar from PT Bank BCA Syariah amounted to Rp 177,580
Rp 177.580 (2023: Rp nihil). (2023: Rp nil).
Halaman - 5/74 - Page
Page 457
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Panin Dubai Syariah Tbk PT Bank Panin Dubai Syariah Tbk
Pada tanggal 30 Agustus 2023, perseroan telah On 30 August 2023, the Company obtained a long
menerima fasilitas jangka panjang dari PT Bank term credit facility from PT Bank Panin Dubai Syariah
Panin Dubai Syariah Tbk sebesar Rp 250.000. Tbk amounted to Rp 250,000. The Company has
Perseroan telah menggunakan seluruh fasilitas ini fully utilised this facility through drawdown on
melalui penarikan pada tanggal 25 September 2023 25 September 2023 and 20 October 2023 each
dan 20 Oktober 2023 masing-masing sebesar amounted to Rp 50,000 and Rp 200,000,
Rp 50.000 dan Rp 200.000. Fasilitas ini memiliki jatuh respectively. This facility will mature 3 years after the
tempo 3 tahun setelah tanggal penarikan yaitu pada drawdown date, respectively on 25 September 2026
tanggal 25 September 2026 dan 20 Oktober 2026 and 20 October 2026 with monthly repayment
dengan cicilan pembayaran pokok pinjaman yang commenced 1 month after each drawdown date.
dimulai 1 bulan sejak setiap tanggal penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, The Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Panin Dubai Syariah Tbk amounted to
Panin Dubai Syariah Tbk sebesar Rp 79.008 Rp 79,008 (31 December 2023: Rp 13,948).
(31 Desember 2023: Rp 13.948).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, total saldo terutang As at 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank Panin Dubai from PT Bank Panin Dubai Syariah Tbk amounted to
Syariah Tbk sebesar Rp 156.802 (2023: Rp 235.505). Rp 156,802 (2023: Rp 235,505).
PT Bank Muamalat Indonesia Tbk PT Bank Muamalat Indonesia Tbk
Pada tanggal 18 Agustus 2023, Perseroan telah On 18 August 2023, the Company obtained a long
mendapatkan fasilitas jangka panjang dari PT Bank term credit facility from PT Bank Muamalat Indonesia
Muamalat Indonesia Tbk sebesar Rp 500.000. Tbk amounted to Rp 500,000. The Company has
Perseroan telah menggunakan fasilitas ini sebesar utilised this facility amounted to Rp 200,000 through
Rp 200.000 melalui penarikan pada tanggal drawdown on 25 August 2023. This facility will
25 Agustus 2023. Fasilitas ini memiliki jatuh tempo mature 3 years after the drawdown date, on 25
3 tahun setelah tanggal penarikan yaitu pada tanggal August 2026, with monthly repayment commenced 1
25 Agustus 2026 dengan cicilan pembayaran pokok month after drawdown date.
pinjaman yang dimulai 1 bulan sejak setiap tanggal
penarikan.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Muamalat Indonesia Tbk amounted to
Muamalat Indonesia Tbk sebesar Rp 66.667 (2023: Rp 66,667 (2023: Rp 22,222).
Rp 22.222).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, total saldo As at 31 December 2024, total outstanding balance
terutang atas pinjaman terhadap PT Bank Muamalat from PT Bank Muamalat Indonesia Tbk amounted to
Indonesia Tbk sebesar Rp 110.918 (2023: Rp 110,918 (2023: Rp 177,303).
Rp 177.303).
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Page 458
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Shinhan Indonesia PT Bank Shinhan Indonesia
Pada tanggal 11 Januari 2021, Perseroan menerima On 11 January 2021, the Company obtained a term
fasilitas pinjaman dari PT Bank Shinhan Indonesia loan facility from PT Bank Shinhan Indonesia
sebesar Rp 125.000. Perseroan telah menggunakan amounted to Rp 125,000. The Company has fully
seluruh fasilitas ini melalui penarikan pada tanggal 5 utilised this facility through drawdown on 5 May 2021
Mei 2021 dengan penarikan sebesar Rp 125.000. amounted at Rp 125,000. This Facility will mature
Fasilitas ini memiliki akan jatuh tempo 3 years since the drawdown date on 3 May 2024
3 tahun sejak tanggal penarikan yaitu pada tanggal with quarterly repayment commenced 3 months after
3 Mei 2024 dengan cicilan pembayaran pokok each drawdown date. This facility had been repaid at
triwulan yang dimulai 3 bulan sejak setiap tanggal maturity date and was not renewed.
penarikan. Fasilitas ini telah dilunasi pada saat jatuh
tempo dan tidak diperpanjang.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank Shinhan Indonesia amounted to
Shinhan Indonesia sebesar Rp 20.833 (2023: Rp 20,833 (2023: Rp 41,667).
Rp 41.667).
Pada tanggal 31 Desember 2024, saldo terutang atas As of 31 December 2024, total outstanding balance
pinjaman terhadap PT Bank Shinhan Indonesia from PT Bank Shinhan Indonesia amounted to
sebesar Rp nihil. (2023: Rp 20.824). Rp nil. (2023: Rp 20,824).
PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk
Pada tanggal 9 November 2012, Perseroan telah On 9 November 2012, the Company has obtained a
menerima fasilitas Money Market dari PT Bank CIMB Money Market Facility from PT Bank CIMB Niaga
Niaga Tbk sebesar Rp 100.000. Fasilitas ini Tbk amounted at Rp 100,000. The Facility has
mengalami beberapa perubahan. Pada tanggal 29 undergone several changes. On 29 January 2014,
Januari 2014 fasilitas ini berubah menjadi the facility amount changed to Rp 300,000 and to
Rp 300.000 dan pada 18 Juni 2015 menjadi Rp 500,000 on 18 June 2015. The Facility was
Rp 500.000. Pada tanggal 9 Februari 2017, fasilitas changed to a multi-currency facility called ‘PTK
ini kembali mengalami perubahan menjadi bersifat Ekstra’ on 9 February 2017. On 17 April 2018, the
multi-currency yang disebut dengan ‘PTK Ekstra’. facility amount changed to Rp 750,000 and will be
Pada tanggal 17 April 2018, Fasilitas ini berubah matured on 31 January 2019. This facility has been
menjadi Rp 750.000 dan akan jatuh tempo pada extended several times and will be matured on
tanggal 31 Januari 2019. Fasilitas ini telah 30 June 2025.
diperpanjang beberapa kali dan akan jatuh tempo
pada tanggal 30 Juni 2025.
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, saldo terutang As of 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank CIMB Niaga Tbk from PT Bank CIMB Niaga Tbk amounted to Rp nil
sebesar Rp nihil (2023: Rp 750.000). (2023: Rp 750,000).
PT Bank ANZ Indonesia PT Bank ANZ Indonesia
Pada tanggal 23 Februari 2023 Perseroan telah On 23 February 2023, the Company obtained a
menerima fasilitas pinjaman jangka pendek bersifat multi-currency short term credit facility from PT Bank
multi-currency dari PT Bank ANZ Indonesia sebesar ANZ Indonesia amounted to US Dollar 15,000,000
Dolar AS 15.000.000 (nilai penuh). Fasilitas ini telah (full amount). This facility has been extended and will
diperpanjang dan akan jatuh tempo pada tanggal 30 mature on 30 June 2025.
Juni 2025.
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, Perseroan tidak As of 31 December 2024, the Company has no
memiliki saldo terutang atas fasilitas ini. outstanding balance for this facility.
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Page 459
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
Pada tanggal 18 November 2010, Perseroan On 18 November 2010, the Company has obtained a
memiliki fasilitas pinjaman dari PT Bank Danamon loan facility amounted to Rp 100,000 from PT Bank
Indonesia Tbk sebesar Rp 100.000. Fasilitas ini telah Danamon Indonesia Tbk. This facility has been
diperpanjang sebanyak beberapa kali, terakhir extended several times and recently the Facility has
Fasilitas ini telah diperpanjang hingga been extended until 30 August 2025.
30 Agustus 2025.
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, Perseroan tidak As of 31 December 2024, the Company has no
memiliki saldo terutang atas fasilitas ini. outstanding balance for this facility.
PT Bank Permata Tbk PT Bank Permata Tbk
Pada tanggal 28 Maret 2024, Perseroan On 28 March 2024, the Company has obtained a
mendapatkan fasilitas pinjaman jangka pendek dari short term loan facility amounted to Rp 300,000 from
PT Bank Permata Tbk sebesar Rp 300.000. Fasilitas PT Bank Permata Tbk. This facility will mature on 30
ini akan jatuh tempo pada tanggal 30 September September 2025.
2025.
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, Perseroan tidak As of 31 December 2024, the Company has no
memiliki saldo terutang atas fasilitas ini. outstanding balance for this facility.
Deutsche Bank AG Deutsche Bank AG
Pada tanggal 30 November 2012, Perseroan telah On 30 November 2012, the Company obtained an
mendapatkan fasilitas cerukan dari Deutsche Bank overdraft facility from Deutsche Bank AG amounted
AG dengan total Rp 95.000. Fasilitas ini berakhir to Rp 95,000. This facility has matured on
pada tanggal 1 Desember 2015 dan telah 1 December 2015 and has been extended until
diperpanjang hingga tanggal 1 Desember 2016. 1 December 2016.
Pada tanggal 16 Mei 2016, fasilitas ini telah berubah As at 16 May 2016, this facility was changed to short
menjadi fasilitas jangka pendek sebesar Rp 95.000 term facility amounted to Rp 95,000 and has maturity
dan berakhir pada tanggal 16 Mei 2017. Pada on 16 May 2017. On 9 March 2017 the loan facility
tanggal 9 Maret 2017 telah dilakukan penambahan increased by Rp 155,000, hence the total facility is
fasilitas sebesar Rp 155.000 sehingga jumlah pokok Rp 250,000. This facility has maturity on 9 March
menjadi Rp 250.000. Fasilitas ini berakhir pada 2018. On 7 December 2017 this facility has changed
tanggal 9 Maret 2018. Pada tanggal 7 Desember to Financing Against Receivable. On 22 February
2017 fasilitas ini telah berubah menjadi fasilitas 2019, this facility has extended for 3 years until
Financing Against Receivable. Pada tanggal 22 February 2022. On 29 November 2024 the loan
22 Februari 2019, fasilitas ini telah diperpanjang facility has been increased by Rp 250,000, hence the
selama 3 tahun sampai dengan 22 Februari 2022. total facility is Rp 500,000. This Facility has been
Pada tanggal 29 November 2024 telah dilakukan extended and will mature on 28 February 2025.
penambahan fasilitas sebesar Rp 250.000, sehingga
jumlah pokok menjadi Rp 500.000. Fasilitas ini telah
diperpanjang dan akan jatuh tempo pada tanggal 28
Februari 2025.
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, Perseroan tidak As of 31 December 2024, the Company has no
memiliki saldo terutang atas fasilitas ini. outstanding balance for this facility.
Halaman - 5/77 - Page
Page 460
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
Pinjaman sindikasi dengan PT Bank HSBC Syndicated loans with PT Bank HSBC Indonesia
Indonesia sebagai agen fasilitas as facility agent
Pada tanggal 26 Mei 2023, Perseroan telah On 26 May 2023, the Company has obtained a
menerima fasilitas kredit melalui utang Sindikasi syndicated loan facility amounted to US Dollar
dengan nilai sebesar Dolar AS 390.000.000 (nilai 390,000,000 (full amount), with PT Bank HSBC
penuh), dengan PT Bank HSBC Indonesia sebagai Indonesia as a facility agent. The availability period of
agen fasilitas. Jangka waktu penarikan fasilitas ini this facility is 12 months since the loan signing date.
adalah 12 bulan sejak ditandatanganinya perjanjian
pinjaman.
Pinjaman sindikasi tersebut diperoleh dari: The syndicated loans were received from:
Fasilitas maksimum (nilai penuh)/
Maximum facilities (full amount)
PT Bank KEB Hana Indonesia US Dollar 55,000,000 PT Bank KEB Hana Indonesia
MUFG Bank,Ltd., Cabang Singapura US Dollar 50,000,000 MUFG Bank,Ltd., Singapore Branch
Oversea-Chinese Banking Corporation Limited US Dollar 50,000,000 Oversea-Chinese Banking Corporation Limited
RHB Bank Berhad US Dollar 30,000,000 RHB Bank Berhad
PT Bank DBS Indonesia US Dollar 30,000,000 PT Bank DBS Indonesia
Taipei Fubon Commercial Bank Co., Ltd., Cabang Singapura US Dollar 25,000,000 Taipei Fubon Commercial Bank Co., Ltd., Singapore Branch
PT Bank ANZ Indonesia US Dollar 25,000,000 PT Bank ANZ Indonesia
Citibank, N.A., Cabang Jakarta US Dollar 25,000,000 Citibank, N.A., Jakarta Branch
The Hongkong and Shanghai Banking Corporation Limited US Dollar 25,000,000 The Hongkong and Shanghai Banking Corporation Limited
PT Bank UOB Indonesia US Dollar 25,000,000 PT Bank UOB Indonesia
PT Bank CTBC Indonesia US Dollar 25,000,000 PT Bank CTBC Indonesia
Bank of China (Hong Kong) Limited US Dollar 12,500,000 Bank of China (Hong Kong) Limited
Bank of China (Hong Kong) Limited, Jakarta Branch US Dollar 12,500,000 Bank of China (Hong Kong) Limited, Jakarta Branch
Total US Dollar 390,000,000 Total
Perseroan telah menggunakan fasilitas ini sebesar The Company has utilised this facility amounted to
Dolar AS 390.000.000 (nilai penuh) pada tanggal US Dollar 390,000,000 (full amount) on 26 June
26 Juni 2023, 11 Agustus 2023, 8 November 2023, 2023, 11 August 2023, 8 November 2023,
11 Desember 2023, 16 Januari 2024, 22 Januari 11 December 2023, 16 January 2024, 22 January
2024, 26 Februari 2024, 27 Maret 2024, 13 May 2024, 26 February 2024, 27 Maret 2024, 13 May
2024, 14 May 2024, 20 May 2024, 19 Agustus 2024, 2024, 14 May 2024, 20 May 2024, 19 August 2024,
20 September 2024, dan 26 November 2024, 20 September 2024, and 26 November 2024 where
masing-masing sejumlah Dolar AS 50.000.000, Dolar each drawdown amounted to US Dollar 50,000,000,
AS 20.000.000, Dolar AS 25.000.000, Dolar AS US Dollar 20,000,000, US Dollar 25,000,000 and US
25.000.000, Dolar AS 25.000.000, Dolar AS Dollar 25,000,000, US Dollar 25,000,000, US Dollar
25.000.000, Dolar AS 25.000.000, Dolar AS 25,000,000, US Dollar 25,000,000, US Dollar
30.000.000, Dolar AS 25.000.000, Dolar AS 30,000,000, US Dollar 25,000,000, US Dollar
25.000.000, Dolar AS 50.000.000, Dolar AS 25,000,000, US Dollar 50,000,000, US Dollar
25.000.000, Dolar AS 20.000.00, dan Dolar AS 25,000,000, US Dollar 20,000,000, and US Dollar
20.000.000 (nilai penuh) dengan pembayaran cicilan 20,000,000 (full amount), respectively, with quarterly
pokok triwulan yang dimulai 3 bulan sejak tanggal repayment commenced 3 months after the drawdown
penarikan. date.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank HSBC Indonesia amounted to US
HSBC Indonesia sebesar Dolar AS 86.666.667 (nilai Dollar 86,666,667 (full amount) or equivalent to
penuh) atau ekuivalen Rp 1.378.665 (2023: Dolar AS Rp 1,378,665 (2023: US Dollar 10,000,000 (full
10.000.000 (nilai penuh) atau ekuivalen Rp 154.123). amount) or equivalent to Rp 154,123).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 18 April 2024, Perseroan menerima On 18 April 2024, the Company has obtained a
fasilitas kredit melalui utang Sindikasi dengan nilai syndicated loan facility amounted to US Dollar
sebesar Dolar AS 60.000.000 (nilai penuh), dengan 60,000,000 (full amount), with PT Bank HSBC
PT Bank HSBC Indonesia sebagai agen fasilitas. Indonesia as a facility agent. The availability period of
Jangka waktu penarikan fasilitas ini adalah 12 bulan this facility is 12 months since the loan signing date.
sejak ditandatanganinya perjanjian pinjaman.
Halaman - 5/78 - Page
Page 461
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
Pinjaman sindikasi dengan PT Bank HSBC Syndicated loans with PT Bank HSBC Indonesia
Indonesia sebagai agen fasilitas (lanjutan) as facility agent (continued)
Pinjaman sindikasi tersebut diperoleh dari: The syndicated loans were received from:
Fasilitas maksimum (nilai penuh)/
Maximum facilities (full amount)
PT Bank Mizuho Indonesia US Dollar 25,000,000 PT Bank Mizuho Indonesia
MUFG Bank,Ltd., Cabang Singapura US Dollar 25,000,000 MUFG Bank,Ltd., Singapore Branch
Sumitomo Mitsui Banking Corporation Cabang Singapura US Dollar 25,000,000 Sumitomo Mitsui Banking Corporation Singapore Branch
Jumlah US Dollar 60,000,000 Total
Perseroan telah menggunakan fasilitas ini sebesar The Company has utilised this facility amounted to
Dolar AS 60,000,000 (nilai penuh) pada tanggal US Dollar 60,000,000 (full amount) on 28 May 2024,
28 Mei 2024, 10 Juni 2024 dan 27 Juni 2024 masing- 10 June 2024 and 27 June 2024 where each
masing sejumlah Dolar AS 15.000.000, Dolar AS drawdown amounted to US Dollar 15,000,000, US
20.000.000 dan Dolar AS 25.000.000 (nilai penuh) Dollar 20,000,000 dan US Dollar 25,000,000 (full
dengan pembayaran cicilan pokok triwulan yang amount), respectively, with quarterly repayment
dimulai 3 bulan sejak tanggal penarikan. commenced 3 months after the drawdown date.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank HSBC Indonesia amounted to US
HSBC Indonesia sebesar Dolar AS 10.000.000 (nilai Dollar 10,000,000 (full amount) or equivalent to
penuh) atau ekuivalen Rp 157.339 (2023: Rp nihil). Rp 157,339 (2023: Rp nil).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, saldo terutang As at 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank HSBC Indonesia from PT Bank HSBC Indonesia amounted to
sebesar Dolar AS 341.776.055 (nilai penuh) atau US Dollar 341,776,055 (full amount) or equivalent to
ekuivalen Rp 5.523.785 (2023: Dolar AS Rp 5,523,785 (2023: US Dollar 109,361,673 (full
109.361.673 (nilai penuh) atau ekuivalen amount) or equivalent to Rp 1,685,920).
Rp 1.685.920).
Pinjaman sindikasi dengan PT Bank DBS Syndicated loans with PT Bank DBS Indonesia as
Indonesia sebagai agen fasilitas facility agent
Pada tanggal 15 Juli 2021, Perseroan menerima On 15 July 2021, the Company has obtained a
fasilitas kredit melalui utang sindikasi dengan nilai syndicated loan facility amounted to US Dollar
sebesar Dolar AS 300.000.000 (nilai penuh), dengan 300,000,000 (full amount), with PT Bank DBS
PT Bank DBS Indonesia sebagai agen fasilitas. Indonesia as a facility agent. The availability period of
Jangka waktu penarikan fasilitas ini adalah 12 bulan this Facility is 12 months since the loan signing date
sejak ditandatanganinya perjanjian pinjaman.
Pinjaman sindikasi tersebut diperoleh dari: The syndicated loans were received from:
Fasilitas maksimum (nilai penuh)/
Maximum facilities (full amount)
Australia New Zealand Banking Group, Australia New Zealand Banking Group,
Singapore Branch US Dollar 25,000,000 Singapore Branch
DBS Bank, Ltd US Dollar 25,000,000 DBS Bank, Ltd
PT Bank Mizuho Indonesia US Dollar 25,000,000 PT Bank Mizuho Indonesia
MUFG Bank, Ltd, Jakarta Branch US Dollar 25,000,000 MUFG Bank, Ltd, Jakarta Branch
Oversea-Chinese Banking Corporation Limited US Dollar 25,000,000 Oversea-Chinese Banking Corporation Limited
Sumitomo Mitsui Banking Corporation, Sumitomo Mitsui Banking Corporation,
Singapore Branch US Dollar 25,000,000 Singapore Branch
BNP Paribas Indonesia US Dollar 20,000,000 BNP Paribas Indonesia
Shinsei Bank Limited US Dollar 20,000,000 Shinshei Bank Limited
Taipei Fubon Commercial Bank Co. Ltd US Dollar 20,000,000 Taipei Fubon Commercial Bank Co. Ltd
The Hongkong and Shanghai Banking The Hongkong and Shanghai Banking
Corporation, Ltd US Dollar 20,000,000 Corporation, Ltd
The Korea Development Bank, Singapore Branch US Dollar 20,000,000 The Korea Development Bank, Singapore Branch
Bank of China, Hongkong Branch US Dollar 12,500,000 Bank of China, Hongkong Branch
Bank of China, Jakarta Branch US Dollar 12,500,000 Bank of China, Jakarta Branch
Cathay United Bank US Dollar 10,000,000 Cathay United Bank
PT Bank UOB Indonesia US Dollar 7,500,000 PT Bank UOB Indonesia
United Overseas Bank Limited US Dollar 7,500,000 United Overseas Bank Limited
Total US Dollar 300,000,000 Total
Halaman - 5/79 - Page
Page 462
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
Pinjaman sindikasi dengan PT Bank DBS Syndicated loans with PT Bank DBS Indonesia as
Indonesia sebagai agen fasilitas (lanjutan) facility agent (continued)
Perseroan telah menggunakan fasilitas ini sebesar The Company has utilised total amount US Dollar
Dolar AS 300.000.000 (nilai penuh) pada tanggal 300,000,000 (full amount) of this facility through
22 November 2021, 6 Desember 2021, 11 April drawdown on 22 November 2021, 6 December 2021,
2022, 14 April 2022, 27 Mei 2022, 2 Juni 2022, 11 April 2022, 14 April 2022, 27 May 2022, 2 June
23 Juni 2022, 12 Juli 2022, dan 14 Juli 2022 masing- 2022, 23 June 2022, 12 July 2022, and 14 July 2022
masing sejumlah Dolar AS 30.000.000, Dolar AS where each drawdown amounted to US Dollar
20.000.000, Dollar AS 40.000.000, Dollar AS 30,000,000, US Dollar 20,000,000, US Dollar
60.000.000, Dollar AS 30.000.000, Dollar AS 40,000,000, US Dollar 60,000,000, US Dollar
30.000.000, Dollar AS 40.000.000, Dollar AS 30,000,000, US Dollar 30,000,000, US Dollar
30.000.000, dan Dollar AS 20.000.000 (nilai Penuh) 40,000,000, US Dollar 30,000,000, and US Dollar
dengan pembayaran cicilan pokok triwulan yang 20,000,000 (full amount), respectively with quarterly
dimulai 3 bulan sejak tanggal penarikan. repayment commenced 3 months after the drawdown
date.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari PT Bank from PT Bank DBS Indonesia amounted to US Dollar
DBS Indonesia sebesar Dolar AS 100.000.000 (nilai 100,000,000 (full amount) or equivalent to
penuh) atau ekuivalen Rp 1.579.828 (2023: Dolar AS Rp 1,579,828 (2023: US Dollar 100,000,000 (full
100.000.000 (nilai penuh) atau ekuivalen amount) or equivalent to Rp 1,526,953).
Rp 1.526.953).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, saldo terutang As at 31 December 2024, total outstanding balance
atas pinjaman terhadap PT Bank DBS Indonesia from PT Bank DBS Indonesia amounted to US Dollar
sebesar Dolar AS 45.766.427 (nilai penuh) atau 45,766,427 (full amount) or equivalent to Rp 739,677
ekuivalen Rp 739.677 (2023: Dolar AS 145.258.627 (2023: US Dollar 145,258,627 (full amount) or
(nilai penuh) atau ekuivalen Rp 2.239.307). equivalent to Rp 2,239,307).
Pinjaman sindikasi dengan Mizuho Bank Ltd., Syndicated loans with Mizuho Bank Ltd.,
Cabang Singapura sebagai agen fasilitas Singapore Branch as facility agent
Pada tanggal 17 November 2020, Perseroan On 17 November 2020, the Company has obtained a
menerima fasilitas kredit melalui utang Sindikasi syndicated loan facility amounted to US Dollar
dengan nilai sebesar Dolar AS 138.000.000 (nilai 138,000,000 (full amount), with Mizuho Bank, Ltd.,
penuh), dengan Mizuho Bank, Ltd., Cabang Singapore Branch as a facility agent. The availability
Singapura sebagai agen fasilitas. Jangka waktu period of this facility is 12 months since the loan
penarikan fasilitas ini adalah 12 bulan sejak signing date.
ditandatanganinya perjanjian pinjaman.
Pinjaman sindikasi tersebut diperoleh dari: The syndicated loans were received from:
Fasilitas maksimum (nilai penuh)/
Maximum facilities (full amount)
Intesa Sanpaolo S.p.A, Cabang Singapura US Dollar 30,000,000 Intesa Sanpaolo S.p.A, Singapore Branch
RHB Bank Berhad US Dollar 20,000,000 RHB Bank Berhad
Sumitomo Mitsui Trust Bank, Limited, Cabang Singapura US Dollar 20,000,000 Sumitomo Mitsui Trust Bank, Limited, Singapore Branch
Mizuho Bank, Ltd., Cabang Singapura US Dollar 15,000,000 Mizuho Bank, Ltd., Singapore Branch
First Commercial Bank, Offshore Banking Branch US Dollar 10,000,000 First Commercial Bank, Offshore Banking Branch
Hua Nan Commercial Bank, Ltd., Offshore Hua Nan Commercial Bank, Ltd., Offshore
Banking Branch US Dollar 10,000,000 Banking Branch
Mega International Commercial Bank Co., Ltd., Mega International Commercial Bank Co., Ltd.,
Cabang Singapura US Dollar 10,000,000 Singapore Branch
CTBC Bank, Co., Ltd. US Dollar 8,000,000 CTBC Bank, Co., Ltd.
Chang Hwa Commercial Bank, Ltd., Offshore Chang Hwa Commercial Bank, Ltd. Offshore
Banking Branch US Dollar 5,000,000 Banking Branch
Taiwan Business Bank, Ltd., Offshore Banking Branch US Dollar 5,000,000 Taiwan Business Bank, Ltd., Offshore Banking Branch
Taiwan Cooperative Bank, Offshore Banking Branch US Dollar 5,000,000 Taiwan Cooperative Bank, Offshore Banking Branch
Jumlah US Dollar 138,000,000 Total
Halaman - 5/80 - Page
Page 463
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
Pinjaman sindikasi dengan Mizuho Bank Ltd., Syndicated loans with Mizuho Bank Ltd.,
Cabang Singapura sebagai agen fasilitas Singapore Branch as facility agent (continued)
(lanjutan)
Perseroan telah menggunakan fasilitas ini sebesar The Company has utilised this facility amounted to
Dolar AS 138.000.000 (nilai penuh) pada tanggal US Dollar 138,000,000 (full amount) on 21 July 2021,
21 Juli 2021, 13 Agustus 2021, 22 September 2021 13 August 2021, 22 September 2021, and
dan 15 Oktober 2021 masing-masing sejumlah Dolar 15 October 2021 where each drawdown is
AS 40.000.000, Dolar AS 30.000.000, US Dollar 40,000,000, US Dollar 30,000,000,
Dolar AS 30.000.000, dan Dolar AS 38.000.000 (nilai US Dollar 30,000,000, and US Dollar 38,000,000 (full
penuh) dengan pembayaran cicilan pokok triwulan amount), respectively with quarterly repayment
yang dimulai 3 bulan sejak tanggal penarikan. commenced 3 months after the drawdown date.
Selama tahun 2024, Perseroan telah melakukan During 2024, the Company has paid loan facilities
pembayaran atas fasilitas pinjaman dari Mizuho from Mizuho Bank, Ltd. Singapore Branch amounted
Bank, Ltd, Cabang Singapura sebesar Dolar AS to US Dollar 37,666,667 (full amount) or equivalent to
37,666,667 (nilai penuh) atau ekuivalen Rp 597.172 Rp 597,172 (2023: US Dollar 46,000,000 (full
(2023: Dolar AS 46.000.000 (nilai penuh) atau amount) or equivalent to Rp 702,730).
ekuivalen Rp 702.730).
Pembayaran bunga dan pokok pinjaman telah Interest and principal have been paid by the
dibayarkan oleh Perseroan sesuai dengan jadwal. Company on schedule.
Pada tanggal 31 Desember 2024, tidak terdapat As of 31 December 2024, there is no outstanding
saldo terutang atas pinjaman terhadap Mizuho Bank, balance from Mizuho Bank, Ltd. Singapore Branch
Ltd, Cabang Singapura (2023: Dolar AS 37.564.414 amounted to Rp nil. (2023: US Dollar 37,564,414 (full
(nilai penuh) atau ekuivalen Rp 579.093). amount) or equivalent to Rp 579,093).
Pinjaman sindikasi dengan Bank of China (Hong Syndicated loans with Bank of China (Hong
Kong) Limited, Cabang Jakarta sebagai agen Kong) Limited, Jakarta Branch as facility agent
fasilitas
Pada tanggal 29 November 2024, Perseroan On 29 November 2024, the Company has obtained a
menerima fasilitas kredit melalui utang Sindikasi syndicated loan facility amounted to US Dollar
dengan nilai sebesar Dolar AS 150.000.000 (nilai 150,000,000 (full amount), with Bank of China (Hong
penuh), dengan Bank of China (Hong Kong) Limited, Kong) Limited, Jakarta Branch as a facility agent. The
Cabang Jakarta sebagai agen fasilitas. Jangka waktu availability period of this facility is 12 months since the
penarikan fasilitas ini adalah 12 bulan sejak loan signing date.
ditandatanganinya perjanjian pinjaman.
Pinjaman sindikasi tersebut diperoleh dari: The syndicated loans were received from:
Fasilitas maksimum (nilai penuh)/
Maximum facilities (full amount)
Bank of China (Hong Kong) Limited US Dollar 100,000,000 Bank of China (Hong Kong) Limited
Bank of China (Hong Kong) Limited, Cabang Jakarta US Dollar 50,000,000 Bank of China (Hong Kong) Limited Jakarta Branch
Jumlah US Dollar 150,000,000 Total
Selama tahun 2024, Perseroan belum menggunakan During 2024, the Company has not yet utilised loan
fasilitas pinjaman dari Bank of China (Hong Kong) facilities from Bank of China (Hong Kong) Limited,
Limited, Cabang Jakarta. Jakarta Branch.
Pinjaman sindikasi dengan CTBC Bank Co., Ltd Syndicated loans with CTBC Bank Co., Ltd as
sebagai agen fasilitas facility agent
Pada tanggal 18 Desember 2024, Perseroan On 18 December 2024, the Company has obtained a
menerima fasilitas kredit melalui utang Sindikasi syndicated loan facility amounted to US Dollar
dengan nilai sebesar Dolar AS 200.000.000 (nilai 200,000,000 (full amount), with CTBC Bank Co., Ltd
penuh), dengan CTBC Bank Co., Ltd sebagai agen as a facility agent. The availability period of this facility
fasilitas. Jangka waktu penarikan fasilitas ini adalah is 12 months since the loan signing date.
12 bulan sejak ditandatanganinya perjanjian
pinjaman.
Halaman - 5/81 - Page
Page 464
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. PINJAMAN (lanjutan) 14. BORROWINGS (continued)
Pinjaman sindikasi dengan CTBC Bank Co., Ltd Syndicated loans with CTBC Bank Co., Ltd as
sebagai agen fasilitas (lanjutan) facility agent (continued)
Pinjaman sindikasi tersebut diperoleh dari: The syndicated loans were received from:
Fasilitas maksimum (nilai penuh)/
Maximum facilities (full amount)
Citibank, N.A., Cabang Jakarta US Dollar 35,000,000 Citibank, N.A., Jakarta Branch
The Korea Development Bank, Cabang Singapura US Dollar 35,000,000 The Korea Development Bank, Singapore Branch
CTBC Bank Co., Ltd., Cabang Singapura US Dollar 35,000,000 CTBC Bank Co., Ltd., Singapore Branch
Taipei Fubon Commercial Bank Co., Ltd., Cabang Singapura US Dollar 35,000,000 Taipei Fubon Commercial Bank Co., Ltd., Singapore Branch
The Shanghai Commercial & Savings Bank, Ltd. The Shanghai Commercial & Savings Bank, Ltd.
Offshore Banking Branch US Dollar 20,000,000 Offshore Banking Branch
Taishin International Bank Co., Ltd US Dollar 20,000,000 Taishin International Bank Co., Ltd
Mega International Commercial Bank Co., Ltd., Mega International Commercial Bank Co., Ltd.,
Cabang Singapura US Dollar 10,000,000 Singapore Branch
Taiwan Cooperative Bank, Offshore Banking Branch US Dollar 10,000,000 Taiwan Cooperative Bank, Offshore Banking Branch
Jumlah US Dollar 200,000,000 Total
Selama tahun 2024, Perseroan belum menggunakan During 2024, the Company has not yet utilised loan
fasilitas pinjaman dari CTBC Bank Co., Ltd. facilities from CTBC Bank Co., Ltd.
15. SURAT BERHARGA YANG DITERBITKAN 15. SECURITIES ISSUED
2024 2023
Rupiah Rupiah
Nilai nominal: Nominal value:
- Obligasi Berkelanjutan V Continuance Bonds V -
Tahap I Tahun 2021 - 872,000 Phase I Year 2021
- Obligasi Berkelanjutan V Continuance Bonds V -
Tahap II Tahun 2021 - 774,671 Phase II Year 2021
- Obligasi Berkelanjutan V Continuance Bonds V -
Tahap III Tahun 2022 806,973 806,973 Phase III Year 2022
- Obligasi Berkelanjutan V Continuance Bonds V -
Tahap IV Tahun 2022 676,240 676,240 Phase IV Year 2022
- Obligasi Berkelanjutan V Continuance Bonds V -
Tahap V Tahun 2023 1,964,777 3,000,000 Phase V Year 2023
- Obligasi Berkelanjutan VI Continuance Bonds VI -
Tahap I Tahun 2023 433,850 1,000,000 Phase I Year 2023
- Obligasi Berkelanjutan VI Continuance Bonds VI -
Tahap II Tahun 2023 250,784 1,100,000 Phase II Year 2023
- Obligasi Berkelanjutan VI Continuance Bonds VI -
Tahap III Tahun 2024 2,000,000 - Phase III Year 2024
- Obligasi Berkelanjutan VI Continuance Bonds VI -
Tahap IV Tahun 2024 2,500,000 - Phase IV Year 2024
8,632,624 8,229,884
Dikurangi: Less:
Biaya emisi belum diamortisasi (12,141) (14,796) Unamortised bond issuance costs
Bersih 8,620,483 8,215,088 Net
Amortisasi biaya emisi obligasi Amortisation of bonds
(lihat Catatan 24) 13,654 11,906 issuance cost (refer to Note 24)
Utang obligasi sesuai dengan Bonds have the followings
jatuh temponya: maturity:
- < 1 tahun 3,844,824 4,097,260 < 1 year -
- 1 – 2 tahun 2,649,411 1,483,213 1 – 2 years -
- 2 – 3 tahun 2,138,389 2,649,411 2 – 3 years -
8,632,624 8,229,884
Halaman - 5/82 - Page
Page 465
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
15. SURAT BERHARGA YANG DITERBITKAN 15. SECURITIES ISSUED (continued)
(lanjutan)
Berikut adalah nilai tercatat atas jumlah obligasi dan Below are the carrying amount of the bonds and the
beban bunga yang masih harus dibayar: accrued interest expense:
2024 2023
Obligasi 8,632,624 8,229,884 Bonds
Beban bunga yang masih harus dibayar Accrued interest expense
(lihat Catatan 11) 38,400 55,540 (refer to Note 11)
8,671,024 8,285,424
Obligasi Berkelanjutan V Tahap I Tahun 2021 Continuance Bonds V Phase I Year 2021
Cicilan pokok Obligasi/
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Bonds principal
Bonds Nominal value Fixed interest rate Due date installment
Seri/Serie A 628,000 4.60% 18 Juni/ Pembayaran penuh pada saat
June 2022 jatuh tempo/Bullet payment on
due date
Seri/Serie B 872,000 6.25% 8 Juni/ Pembayaran penuh pada saat
June 2024 jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan V Tahap I Tahun 2021 Interest on Continuance Bonds V Phase I Year 2021
akan dibayarkan setiap triwulanan. will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan V Tahap I Tahun 2021 Interest of Continuance Bonds V Phase I Year 2021
telah dibayarkan oleh Perseroan sesuai dengan have been paid by the Company on schedule.
jadwal.
Pada tanggal 31 Desember 2024 dan 2023, As at 31 December 2024 and 2023, the rating of
peringkat Obligasi Berkelanjutan V Tahap I Tahun Continuance Bonds V Phase I Year 2021 Serie B
2021 Seri B ini menurut Pefindo adalah idAAA (triple based on Pefindo was idAAA (triple A, stable outlook)
A, stable outlook) dan Fitch Ratings AAA (idn). and Fitch Ratings was AAA (idn).
Perseroan telah melunasi Obligasi Berkelanjutan V The Company has fully repaid Continuance Bonds V
Tahap I Tahun 2021 Seri A pada tanggal 18 Juni Phase I Year 2021 Serie A on 18 June 2022 and
2022 dan Obligasi Berkelanjutan V Tahap I Tahun Continuance Bonds V Phase I Year 2021 Serie B on
2021 Seri B pada tanggal 8 Juni 2024. 8 June 2024.
Obligasi Berkelanjutan V Tahap II Tahun 2021 Continuance Bonds V Phase II Year 2021
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 975,329 3.60% 7 November 2022 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Seri/Serie B 774,671 5.30% 27 Oktober/ Pembayaran penuh pada saat
October 2024 jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan V Tahap II Tahun Interest on Continuance Bonds V Phase II Year 2021
2021 akan dibayarkan setiap triwulanan. will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan V Tahap II Tahun Interest of Continuance Bonds V Phase II Year 2021
2021 telah dibayarkan oleh Perseroan sesuai have been paid by the Company on schedule.
dengan jadwal.
Pada tanggal 31 Desember 2024 dan 2023, As at 31 December 2024 and 2023, the rating of
peringkat Obligasi Berkelanjutan V Tahap II Tahun Continuance Bonds V Phase II Year 2021 Serie B
2021 Seri B ini menurut Pefindo adalah idAAA (triple based on Pefindo was idAAA (triple A, stable outlook)
A, stable outlook) dan Fitch Ratings AAA (idn). and Fitch Ratings was AAA (idn).
Perseroan telah melunasi Obligasi Berkelanjutan V The Company has fully repaid Continuance Bonds V
Tahap II Tahun 2021 Seri A pada tanggal 7 Phase II Year 2021 Serie A on 7 November 2022 and
November 2022 dan Obligasi Berkelanjutan V Tahap Continuance Bonds V Phase II Year 2021 Serie B on
II Tahun 2021 Seri B pada tanggal 27 Oktober 2024. 27 October 2024.
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Page 466
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
15. SURAT BERHARGA YANG DITERBITKAN 15. SECURITIES ISSUED (continued)
(lanjutan)
Obligasi Berkelanjutan V Tahap III Tahun 2022 Continuance Bonds V Phase III Year 2022
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 1,193,027 3.50% 5 April 2023 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Seri/Serie B 806,973 5.60% 25 Maret/ Pembayaran penuh pada saat
March 2025 jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan V Tahap III Tahun Interest on Continuance Bonds V Phase III Year
2022 akan dibayarkan setiap triwulanan. 2022 will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan V Tahap III Tahun Interest of Continuance Bonds V Phase III Year 2022
2022 telah dibayarkan oleh Perseroan sesuai have been paid by the Company on schedule.
dengan jadwal.
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the rating of
peringkat Obligasi Berkelanjutan V Tahap III Tahun Continuance Bonds V Phase III Year 2022 Serie B
2022 Seri B ini menurut Pefindo adalah idAAA (triple based Pefindo was idAAA (triple A, stable outlook)
A, stable outlook) dan Fitch Ratings AAA (idn). and Fitch Ratings was AAA (idn).
Perseroan telah melunasi Obligasi Berkelanjutan V The Company has fully repaid Continuance Bonds V
Tahap III Tahun 2022 Seri A pada tanggal 5 April Phase II Year 2022 Serie A on 5 April 2023.
2023.
Obligasi Berkelanjutan V Tahap IV Tahun 2022 Continuance Bonds V Phase IV Year 2022
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 500,760 5.00% 8 November 2023 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Seri/Serie B 676,240 6.80% 28 Oktober/ Pembayaran penuh pada saat
October 2025 jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan V Tahap IV Tahun Interest on Continuance Bonds V Phase IV Year
2022 akan dibayarkan setiap triwulanan. 2022 will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan V Tahap IV Tahun Interest and principal of Continuance Bonds V Phase
2022 telah dibayarkan oleh Perseroan sesuai IV Year 2022 have been paid by the Company on
dengan jadwal. schedule.
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the rating of
peringkat Obligasi Berkelanjutan V Tahap IV Tahun Continuance Bonds V Phase IV Year 2022 Serie B
2022 Seri B ini menurut Pefindo adalah idAAA (triple based on Pefindo was idAAA (triple A, stable outlook)
A, stable outlook) dan Fitch Ratings AAA (idn). and Fitch Ratings was AAA (idn).
Perseroan telah melunasi Obligasi Berkelanjutan V The Company has fully repaid Continuance Bonds V
Tahap IV Tahun 2022 Seri A pada tanggal 8 Phase IV Year 2022 Serie A on 8 November 2023.
November 2023.
Obligasi Berkelanjutan V Tahap V Tahun 2023 Continuance Bonds V Phase V Year 2023
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 1,035,223 6.00% 5 Maret/ Pembayaran penuh pada saat
March 2024 jatuh tempo/Bullet payment on
due date
Seri/Serie B 1,964,777 6.80% 24 Februari/ Pembayaran penuh pada saat
February 2026 jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan V Tahap V Tahun Interest on Continuance Bonds V Phase V Year 2023
2023 akan dibayarkan setiap triwulanan. will be paid on a quarterly basis.
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Page 467
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
15. SURAT BERHARGA YANG DITERBITKAN 15. SECURITIES ISSUED (continued)
(lanjutan)
Obligasi Berkelanjutan V Tahap V Tahun 2023 Continuance Bonds V Phase V Year 2023
(lanjutan) (continued)
Bunga Obligasi Berkelanjutan V Tahap V Tahun Interest of Continuance Bonds V Phase V Year 2023
2023 telah dibayarkan oleh Perseroan sesuai have been paid by the Company on schedule.
dengan jadwal.
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the rating of
peringkat Obligasi Berkelanjutan V Tahap V Tahun Continuance Bonds V Phase V Year 2023 Serie A
2023 Seri A dan Seri B ini menurut Pefindo adalah and Serie B based on Pefindo was idAAA (triple A,
idAAA (triple A, stable outlook) dan Fitch Ratings stable outlook) and Fitch Ratings was AAA (idn).
AAA (idn).
Perseroan telah melunasi Obligasi Berkelanjutan V The Company has fully repaid Continuance Bonds V
Tahap V Tahun 2023 Seri A pada tanggal 5 Maret Phase V Year 2023 Serie A on 5 March 2024.
2024.
Obligasi Berkelanjutan VI Tahap I Tahun 2023 Continuance Bonds VI Phase I Year 2023
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 566,150 5.50% 21 Juli/ Pembayaran penuh pada saat
July 2024 jatuh tempo/Bullet payment on
due date
Seri/Serie B 433,850 6.00% 11 Juli/ Pembayaran penuh pada saat
July 2026 jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan VI Tahap I Tahun Interest on Continuance Bonds VI Phase I Year 2023
2023 akan dibayarkan setiap triwulanan. will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan VI Tahap I Tahun Interest of Continuance Bonds VI Phase I Year 2023
2023 telah dibayarkan oleh Perseroan sesuai have been paid by the Company on schedule.
dengan jadwal.
Perseroan telah melunasi Obligasi Berkelanjutan VI The Company has fully repaid Continuance Bonds VI
Tahap I Tahun 2023 Seri A pada tanggal 21 Juli Phase I Year 2023 Serie A on 21 July 2024.
2024.
As of 31 December 2024 and 2023, the rating of
Pada tanggal 31 Desember 2024 dan 2023,
Continuance Bonds VI Phase I Year 2023 Serie A
peringkat Obligasi Berkelanjutan VI Tahap I Tahun
and Serie B based on Pefindo was idAAA (triple A,
2023 Seri A dan Seri B ini menurut Pefindo adalah
stable outlook).
idAAA (triple A, stable outlook).
Obligasi Berkelanjutan VI Tahap II Tahun 2023 Continuance Bonds VI Phase II Year 2023
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 849,216 6.40% 26 November 2024 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Seri/Serie B 250,784 6.75% 16 November 2026 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan VI Tahap II Tahun Interest on Continuance Bonds VI Phase II Year
2023 akan dibayarkan setiap triwulanan. 2023 will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan VI Tahap II Tahun Interest of Continuance Bonds VI Phase II Year 2023
2023 telah dibayarkan oleh Perseroan sesuai have been paid by the Company on schedule.
dengan jadwal.
Pada tanggal 31 Desember 2024 dan 2023, As of 31 December 2024 and 2023, the rating of
peringkat Obligasi Berkelanjutan VI Tahap II Tahun Continuance Bonds VI Phase II Year 2023 Serie A
2023 Seri A dan Seri B ini menurut Pefindo adalah and Serie B based on Pefindo was idAAA (triple A,
idAAA (triple A, stable outlook). stable outlook).
Perseroan telah melunasi Obligasi Berkelanjutan VI The Company has fully repaid Continuance Bonds VI
Tahap II Tahun 2023 Seri A pada tanggal 26 Phase II Year 2023 Serie A on 26 November 2024.
November 2024.
Halaman - 5/85 - Page
Page 468
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
15. SURAT BERHARGA YANG DITERBITKAN 15. SECURITIES ISSUED (continued)
(lanjutan)
Obligasi Berkelanjutan VI Tahap III Tahun 2024 Continuance Bonds VI Phase III Year 2024
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 1,109,437 6.40% 12 April 2025 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Seri/Serie B 890,563 6.55% 2 April 2027 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan VI Tahap III Tahun Interest on Continuance Bonds VI Phase III Year
2024 akan dibayarkan setiap triwulanan. 2024 will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan VI Tahap III Tahun Interest of Continuance Bonds VI Phase III Year
2024 telah dibayarkan oleh Perseroan sesuai 2024 have been paid by the Company on schedule.
dengan jadwal.
Pada tanggal 31 Desember 2024, peringkat Obligasi As of 31 December 2024, the rating of Continuance
Berkelanjutan VI Tahap III Tahun 2024 Seri A dan Bonds VI Phase III Year 2024 Serie A and Serie B
Seri B ini menurut Pefindo adalah idAAA (triple A, based on Pefindo was idAAA (triple A, stable
stable outlook). outlook).
Obligasi Berkelanjutan VI Tahap IV Tahun 2024 Continuance Bonds VI Phase IV Year 2024
Obligasi/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok Obligasi/
Bonds Nominal value Fixed interest rate Due date Bonds principal installment
Seri/Serie A 1,252,174 6.55% 16 September 2025 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Seri/Serie B 1,247,826 6.90% 6 September 2027 Pembayaran penuh pada saat
jatuh tempo/Bullet payment on
due date
Bunga Obligasi Berkelanjutan VI Tahap IV Tahun Interest on Continuance Bonds VI Phase IV Year
2024 akan dibayarkan setiap triwulanan. 2024 will be paid on a quarterly basis.
Bunga Obligasi Berkelanjutan VI Tahap IV Tahun Interest of Continuance Bonds VI Phase IV Year
2024 telah dibayarkan oleh Perseroan sesuai 2024 have been paid by the Company on schedule.
dengan jadwal.
As of 31 December 2024, the rating of Continuance
Pada tanggal 31 Desember 2024, peringkat Obligasi Bonds VI Phase IV Year 2024 Serie A and Serie B
Berkelanjutan VI Tahap IV Tahun 2024 Seri A dan based on Pefindo was idAAA (triple A, stable
Seri B ini menurut Pefindo adalah idAAA (triple A, outlook).
stable outlook).
Perjanjian perwaliamanatan untuk Obligasi The trustee agreements for Continuance Bonds V
Berkelanjutan V Tahap I Tahun 2021, Obligasi Phase I Year 2021, Continuance Bonds V Phase II
Berkelanjutan V Tahap II Tahun 2021, Obligasi Year 2021, Continuance Bonds V Phase III Year
Berkelanjutan V Tahap III Tahun 2022, Obligasi 2022, Continuance Bonds V Phase IV Year 2022,
Berkelanjutan V Tahap IV Tahun 2022, Obligasi Continuance Bonds V Phase V Year 2023,
Berkelanjutan V Tahap V Tahun 2023, Obligasi Continuance Bonds VI Phase I Year 2023 and
Berkelanjutan VI Tahap I Tahun 2023, dan Obligasi Continuance Bonds VI Phase II Year 2023,
Berkelanjutan VI Tahap II Tahun 2023, Obligasi Continuance Bonds VI Phase III Year 2024, and
Berkelanjutan VI Tahap III Tahun 2024, dan Obligasi Continuance Bonds VI Phase IV Year 2024 provide
Berkelanjutan VI Tahap IV Tahun 2024 mengatur several negative covenants to the Company, among
beberapa pembatasan yang harus dipenuhi oleh others, debt to equity ratio at the maximum of 10:1.
Perseroan antara lain rasio jumlah pinjaman
terhadap ekuitas tidak melebihi rasio 10:1.
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Page 469
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
16. ASET DAN LIABILITAS DERIVATIF 16. DERIVATIVE ASSETS AND LIABILITIES
Pada tanggal 31 Desember 2024, Perseroan As at 31 December 2024, the Company has several
mempunyai beberapa kontrak cross currency swap outstanding cross currency swap contracts and
dan interest rate swap dengan pihak ketiga yang interest rate swap with third parties which are
belum jatuh tempo dengan PT Bank CIMB Niaga PT Bank CIMB Niaga Tbk, PT Bank BNP Paribas
Tbk, PT Bank BNP Paribas Indonesia, PT Bank UOB Indonesia, PT Bank UOB Indonesia, PT Bank DBS
Indonesia, PT Bank DBS Indonesia, PT Bank Mandiri Indonesia, PT Bank Mandiri (Persero) Tbk, PT Bank
(Persero) Tbk, PT Bank Maybank Indonesia Tbk, dan Maybank Indonesia Tbk, dan PT Bank Permata Tbk.
PT Bank Permata Tbk.
Pada tanggal 31 Desember 2023, Perseroan As at 31 December 2023, the Company has several
mempunyai beberapa kontrak cross currency swap outstanding cross currency swap contracts and
dan interest rate swap dengan pihak ketiga yang interest rate swap with third parties which are
belum jatuh tempo dengan PT Bank CIMB Niaga PT Bank CIMB Niaga Tbk, MUFG Bank, Ltd., Jakarta
Tbk, MUFG Bank, Ltd., Cabang Jakarta, PT Bank Branch, PT Bank BNP Paribas Indonesia, PT Bank
BNP Paribas Indonesia, PT Bank UOB Indonesia, UOB Indonesia, PT Bank DBS Indonesia, PT Bank
PT Bank DBS Indonesia, PT Bank Mandiri (Persero) Mandiri (Persero) Tbk, PT Bank Mizuho Indonesia,
Tbk, PT Bank Mizuho Indonesia, PT Bank Maybank PT Bank Maybank Indonesia Tbk, dan PT Bank
Indonesia Tbk, dan PT Bank Permata Tbk. Permata Tbk.
Perseroan melakukan kontrak cross currency swap The Company entered into cross currency swap and
dan interest rate swap dalam rangka mengantisipasi interest rate swap contracts in order to mitigate the
risiko fluktuasi tingkat bunga dan nilai tukar atas risk of fluctuations in interest rates and exchange
pinjaman bank dan surat berharga yang diterbitkan rates from bank loans and securities issued in foreign
dalam mata uang asing. currency.
Perubahan atas nilai wajar dari kontrak cross Changes in the fair value of the cross currency swaps
currency swap dan interest rate swap yang and interest rate swap designated hedging
ditetapkan sebagai instrumen lindung nilai, yang instruments that effectively offset the variability of
secara efektif menghapus variabilitas arus kas dari cash flows associated with the borrowings are
pinjaman terkait, dicatat di ekuitas. Nilai ini kemudian recorded in equity. The amounts subsequently are
diakui dalam laporan laba rugi dan penghasilan recognised to the statements of profit or loss and
komprehensif lainnya sebagai penyesuaian atas laba other comprehensive income as adjustments of the
atau rugi selisih kurs dan beban bunga pinjaman exchange rate differences and interest payments
terkait yang dilindungi nilai pada periode sama related to the hedged borrowings in the same period
dimana selisih kurs dan beban bunga tersebut diakui in which the related exchange rate differences and
pada perkiraan laba rugi. interest affects profit or loss.
Nilai wajar bersih dari aset dan liabilitas derivatif, The net fair value of derivative assets and liabilities,
pada tanggal 31 Desember 2024 sejumlah as at 31 December 2024 amounted to
Rp 5.566 - debit (2023: Rp 10.383 - kredit) dicatat Rp 5,566 - debet (2023: Rp 10,383 - credit) is
sebagai “Cadangan lindung nilai arus kas” pada recorded as “Cash flow hedges reserve” in the
Ekuitas. Equity.
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2024, the total
31 Desember 2024, jumlah sebesar Rp 180.326 amount of Rp 180,326 (debit) has been reclassified
(debit) telah direklasifikasikan dari ekuitas ke laporan from equity to the current year profit and loss (2023:
laba rugi tahun berjalan (2023: Rp 267.810 (kredit)). Rp 267,810 (credit). The amount consists of
Jumlah tersebut terdiri dari Rp 173.083 yang Rp 173,083 credited to gain on foreign exchange -
dikreditkan pada laba selisih kurs - bersih dan net and Rp 7,243 debited to interest and financing
Rp 7.243 yang didebit pada beban bunga dan charges in profit and loss (2023: Rp 356,780 (debit)
keuangan di laba rugi (2023: masing-masing Rp and Rp 88,970 (credit), respectively). The foreign
356.780 (debit) dan Rp 88.970 (kredit)). Jumlah laba exchange gain or loss reclassified from equity is
rugi selisih kurs yang direklasifikasi dari ekuitas offset against the foreign exchange gain or loss from
dikompensasikan di laporan laba rugi dan related hedged borrowings and securities issued in
penghasilan komprehensif lainnya terhadap laba rugi the statements of profit or loss and other
selisih kurs dari pinjaman dan surat berharga yang comprehensive income. The interest and financing
diterbitkan, yang terkait dengan lindung nilai. Beban charges reclassified from equity represent swap cost
bunga dan keuangan yang direklasifikasi dari ekuitas to convert the floating-rate interest into fixed-rate
adalah swap cost untuk mengubah bunga interest financing charges.
mengambang menjadi bunga tetap.
Halaman - 5/87 - Page
Page 470
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
16. ASET DAN LIABILITAS DERIVATIF (lanjutan) 16. DERIVATIVE ASSETS AND LIABILITIES
(continued)
31 Desember/December 2024
Nilai wajar/Fair values
Aset Liabilitas
Jumlah nosional/ Tanggal Tanggal jatuh derivatif/ derivatif/
Instrumen/ Notional amount Perjanjian/ tempo/ Derivative Derivative
Instruments (“000”) Agreement date Maturity date assets liabilities
Dolar AS/ 13 Mei/ 20 Mei/ -
PT Bank CIMB Niaga Tbk 21,100 - 1,645
US Dollar May 2024 May 2027 -
Dolar AS/ 13 Mei/ 20 Mei/
PT Bank CIMB Niaga Tbk 20,566 - 1,608
US Dollar May 2024 May 2027
Dolar AS/ 20 Juni/ 27 Juni/
PT Bank CIMB Niaga Tbk 13,889 5,080 -
US Dollar June 2024 June 2027
Dolar AS/ 14 Agustus/ 19 Agustus/
PT Bank CIMB Niaga Tbk 11,605 4,299 -
US Dollar August 2024 August 2027
Dolar AS/ 22 Maret/ 26 Februari/ 3
PT Bank Maybank Indonesia Tbk 11,394 3,829 -
US Dollar March 2024 February 2027 9
Dolar AS/ 14 Agustus/ 19 Agustus/
PT Bank CIMB Niaga Tbk 11,311 4,182 -
US Dollar August 2024 August 2027
Dolar AS/ 04 Juni/ 10 Juni/
PT Bank CIMB Niaga Tbk 11,111 1,610 -
US Dollar June 2024 June 2027
Dolar AS/ 22 Maret/ 26 Februari/
PT Bank Maybank Indonesia Tbk 11,106 3,727 -
US Dollar March 2024 February 2027
Dolar AS/ 03 Mei/ 13 Mei/
PT Bank DBS Indonesia 10,550 - - 1,210
U US Dollar May 2024 May 2027
Dolar AS/ 07 Mei/ 14 Mei/
PT Bank CIMB Niaga Tbk 10,550 - 380
US Dollar May 2024 May 2027
Dolar AS/ 07 Mei/ 14 Mei/
PT Bank CIMB Niaga Tbk 10,284 - 373
US Dollar May 2024 May 2027
Dolar AS/ 03 Mei/ 13 Mei/
PT Bank DBS Indonesia 10,283 - - 1,182
US Dollar May 2024 May 2027
Dolar AS/
PT Bank CIMB Niaga Tbk 10,128 21 November 2024 26 November 2027 736 -
US Dollar
Dolar AS/
PT Bank CIMB Niaga Tbk 9,872 21 November 2024 26 November 2027 712 -
US Dollar
Dolar AS/ 15 Januari/ 22 Januari/
PT Bank Maybank Indonesia Tbk 9,495 5,595 -
US Dollar January 2024 January 2027
Dolar AS/ 11 Januari/ 16 Januari/
PT Bank CIMB Niaga Tbk 9,495 5,191 -
US Dollar January 2024 January 2027
Dolar AS/ 21 Februari/ 26 Februari/
PT Bank BNP Paribas Indonesia 9,495 5,033 -
US Dollar February 2024 February 2027
Dolar AS/ 17 September 23 September
PT Bank BNP Paribas Indonesia 9,284 8,391 -
US Dollar 2024 2027
Dolar AS/ 15 Januari/ 22 Januari/
PT Bank Maybank Indonesia Tbk 9,255 5,448 -
US Dollar January 2024 January 2027
Dolar AS/ 11 Januari/ 16 Januari/
PT Bank CIMB Niaga Tbk 9,255 5,054 -
US Dollar January 2024 January 2027
Dolar AS/ 21 Februari/ 26 Februari/
PT Bank BNP Paribas Indonesia 9,255 5,170 -
US Dollar February 2024 February 2027
Dolar AS/ 17 September 23 September
PT Bank BNP Paribas Indonesia 9,047 8,168 -
US Dollar 2024 2027
Dolar AS/ 02 November 08 November
PT Bank Permata Tbk 8,440 1,639 -
US Dollar 2023 2026
Dolar AS/ 05 Desember/ 11 Desember/
PT Bank Maybank Indonesia Tbk 8,440 5,412 -
US Dollar December 2023 December 2026
Dolar AS/ 20 Mei/ 28 Mei/
PT Bank Maybank Indonesia Tbk 8,333 368 -
US Dollar May 2024 May 2027
Dolar AS/ 05 Desember/ 11 Desember/ -
PT Bank Maybank Indonesia Tbk 8,227 5,270 -
US Dollar December 2023 December 2026 -
Dolar AS/
PT Bank Permata Tbk 8,226 02 November 2023 08 November 2026 1,595 -
US Dollar
Dolar AS/ 20 Juni/ 27 Juni/ -
PT Bank CIMB Niaga Tbk 6,944 2,540
US Dollar June 2024 June 2027
Dolar AS/ 20 Juni/ 27 Juni/
PT Bank Mandiri (Persero) Tbk 6,330 8,001 -
US Dollar June 2023 June 2026
Dolar AS/ 20 Juni/ 27 Juni/ -
PT Bank CIMB Niaga Tbk 6,330 7,001
US Dollar June 2023 June 2026
Dolar AS/ 20 Juni/ 27 Juni/
PT Bank Mandiri (Persero) Tbk 6,170 7,793 -
US Dollar June 2023 June 2026
Dolar AS/ 20 Juni/ 27 Juni/ -
PT Bank CIMB Niaga Tbk 6,170 6,819
US Dollar June 2023 June 2026
Dolar AS/ 07 Agustus/ 11 Agustus/ -
PT Bank CIMB Niaga Tbk 5,908 5,378
US Dollar August 2023 August 2026
Dolar AS/ 07 Agustus/ 11 Agustus/ -
PT Bank CIMB Niaga Tbk 5,759 5,237
US Dollar August 2023 August 2026
Dolar AS/ 04 Juni/ 10 Juni/ -
PT Bank CIMB Niaga Tbk 5,556 804
US Dollar June 2024 June 2027
Dolar AS/ 05 Juli/ 14 Juli/
PT Bank DBS Indonesia 4,750 5,272 -
US Dollar July 2022 July 2025
Halaman - 5/88 - Page
Page 471
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
16. ASET DAN LIABILITAS DERIVATIF (lanjutan) 16. DERIVATIVE ASSETS AND LIABILITIES
(continued)
31 Desember/December 2024
Nilai wajar/Fair values
Aset Liabilitas
Jumlah nosional/ Tanggal Tanggal jatuh derivatif/ derivatif/
Instrumen/ Notional amount Perjanjian/ tempo/ Derivative Derivative
Instruments (“000”) Agreement date Maturity date assets liabilities
Dolar AS/ -
PT Bank CIMB Niaga Tbk 4,222 04 April 2022 11 April 2025 7,514
US Dollar
Dolar AS/ 20 Mei/ 28 Mei/
PT Bank Maybank Indonesia, Tbk 4,167 185 -
US Dollar May 2024 May 2027
Dolar AS/ 20 Juni/ 23 Juni/
PT Bank UOB Indonesia 3,167 4,365 -
US Dollar June 2022 June 2025
Dolar AS/ 07 Juli/ 14 Juli/
PT Bank UOB Indonesia 3,167 3,567 -
US Dollar July 2022 July 2025
PT Bank DBS Indonesia Dolar AS/ -
3,167 11 April 2022 14 April 2025 5,596
US Dollar
PT Bank DBS Indonesia Dolar AS/ 27 Mei/ 02 Juni/ -
3,167 4,899
US Dollar May 2022 June 2025
PT Bank CIMB Niaga Tbk Dolar AS/ -
3,167 11 April 2022 14 April 2025 5,619
US Dollar
PT Bank CIMB Niaga Tbk Dolar AS/ 23 Mei/ 27 Mei/ -
3,167 4,450
US Dollar May 2022 May 2025
Dolar AS/ 05 Juli/ 14 Juli/ -
PT Bank DBS Indonesia 2,750 3,053
US Dollar July 2022 July 2025
Dolar AS/ -
PT Bank CIMB Niaga Tbk 2,444 04 April 2022 11 April 2025 4,351
US Dollar
Dolar AS/ 20 Juni/ 23 Juni/ -
PT Bank UOB Indonesia 1,833 2,528
US Dollar June 2022 June 2025
Dolar AS/ 07 Juli/ 14 Juli/ -
PT Bank UOB Indonesia 1,833 2,066
US Dollar July 2022 July 2025
PT Bank DBS Indonesia Dolar AS/ -
1,833 11 April 2022 14 April 2025 3,241
US Dollar
PT Bank DBS Indonesia Dolar AS/ 27 Mei/ 02 Juni/ -
1,833 2,837
US Dollar May 2022 June 2025
PT Bank CIMB Niaga Tbk Dolar AS/ -
1,833 11 April 2022 14 April 2025 3,254
US Dollar
PT Bank CIMB Niaga Tbk Dolar AS/ 23 Mei/ 27 Mei/ -
1,833 2,577
US Dollar May 2022 May 2025
Dolar AS/ 20 Juni/ 23 Juni/ -
PT Bank DBS Indonesia 1,056 1,351
US Dollar June 2022 June 2025
Dolar AS/ 20 Juni/ 23 Juni/ -
PT Bank DBS Indonesia 611 783
US Dollar June 2022 June 2025
Dolar AS/
US Dollar 389,163 197,590 6,398
Total 389,163 197,590 6,398
31 Desember/December 2023
Nilai wajar/Fair values
Aset Liabilitas
Jumlah nosional/ Tanggal Tanggal jatuh derivatif/ derivatif/
Instrumen/ Notional amount Perjanjian/ tempo/ Derivative Derivative
Instruments (“000”) Agreement date Maturity date assets liabilities
Cross Currency Swap
Dolar AS/ 8 Oktober/ 15 Oktober/
MUFG Bank, Ltd., Cabang Jakarta 12,667 16,436 -
US Dollar October 2021 October 2024
Dolar AS/
PT Bank CIMB Niaga Tbk 12,667 4 April 2022 11 April 2025 14,573 -
US Dollar
Dolar AS/ 5 Desember/ 11 Desember/
PT Bank Maybank Indonesia Tbk 12,660 1,169 -
US Dollar December 2023 December 2026
Dolar AS/
PT Bank Permata Tbk 12,660 2 November 2023 8 November 2026 - 6,948
US Dollar
Dolar AS/ 5 Desember/ 11 Desember/
PT Bank Maybank Indonesia Tbk 12,340 1,141 -
US Dollar December 2023 December 2026
Dolar AS/
PT Bank Permata Tbk 12,340 2 November 2023 8 November 2026 - 6,769
US Dollar
Dolar AS/ 5 Juli/ 14 Juli/
PT Bank DBS Indonesia 11,083 5,020 -
US Dollar July 2022 July 2025
Dolar AS/ 20 Juni/ 27 Juni/
PT Bank Mandiri (Persero) Tbk 10,550 5,951 -
US Dollar June 2023 June 2026
Dolar AS/ 20 Juni/ 27 Juni/
PT Bank CIMB Niaga Tbk 10,550 3,501 -
US Dollar June 2023 June 2026
Dolar AS/ 20 Juni/ 27 Juni/
PT Bank Mandiri (Persero) Tbk 10,283 5,794 -
U US Dollar June 2023 June 2026
Halaman - 5/89 - Page
Page 472
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
16. ASET DAN LIABILITAS DERIVATIF (lanjutan) 16. DERIVATIVE ASSETS AND LIABILITIES
(continued)
31 Desember/December 2023
Nilai wajar/Fair values
Aset Liabilitas
Jumlah nosional/ Tanggal Tanggal jatuh derivatif/ derivatif/
Instrumen/ Notional amount Perjanjian/ tempo/ Derivative Derivative
Instruments (“000”) Agreement date Maturity date assets Liabilities
Dolar AS/ 20 Juni/ 27 Juni/
PT Bank CIMB Niaga Tbk 10,283 6,516 -
US Dollar June 2023 June 2026
Dolar AS/ 20 Juni/ 23 Juni/
PT Bank UOB Indonesia 9,500 3,675 -
US Dollar June 2022 June 2025
Dolar AS/
PT Bank DBS Indonesia 9,500 11 April 2022 14 April 2025 10,894 -
US Dollar
Dolar AS/ 27 Mei/ 2 Juni/
PT Bank DBS Indonesia 9,500 8,410 -
US Dollar May 2022 June 2025
Dolar AS/
PT Bank CIMB Niaga Tbk 9,500 11 April 2022 14 April 2025 10,793 -
US Dollar
Dolar AS/ 23 Mei/ 27 Mei/
PT Bank CIMB Niaga Tbk 9,500 3,408 -
US Dollar May 2022 May 2025
Dolar AS/ 7 Agustus/ 13 Agustus/
PT Bank CIMB Niaga Tbk 9,284 1,319 -
US Dollar August 2023 August 2026
Dolar AS/ 7 Agustus/ 13 Agustus/
PT Bank CIMB Niaga Tbk 9,049 1,282 -
US Dollar August 2023 August 2026
Dolar AS/ 5 Agustus/ 13 Agustus/
PT Bank BNP Paribas Indonesia 7,500 8,798 -
US Dollar August 2021 August 2024
Dolar AS/ 14 September 22 September
PT Bank BNP Paribas Indonesia 7,500 9,303 -
US Dollar 2021 2024
Dolar AS/ 7 Juli/ 14 Juli/
PT Bank UOB Indonesia 7,389 3,264 -
US Dollar July 2022 July 2025
Dolar AS/
PT Bank CIMB Niaga Tbk 7,333 4 April 2022 11 April 2025 8,443 -
US Dollar
Dolar AS/ 5 Juli/ 14 Juli/
PT Bank DBS Indonesia 6,417 2,909 -
US Dollar July 2022 July 2025
Dolar AS/ 20 Juni/ 23 Juni/
PT Bank UOB Indonesia 5,500 6,343 -
US Dollar June 2022 June 2025
Dolar AS/
PT Bank DBS Indonesia 5,500 11 April 2022 14 April 2025 6,311 -
US Dollar
Dolar AS/ 27 Mei/ 2 Juni/
PT Bank DBS Indonesia 5,500 4,872 -
US Dollar May 2022 June 2025
Dolar AS/
PT Bank CIMB Niaga Tbk 5,500 11 April 2022 14 April 2025 6,253 -
US Dollar
Dolar AS/ 23 Mei/ 27 Mei/
PT Bank CIMB Niaga Tbk 5,500 3,775 -
US Dollar May 2022 May 2025
Dolar AS/ 13 Juli/ 21 Juli/
PT Bank Mizuho Indonesia 5,000 5,342 -
US Dollar July 2021 July 2024
Dolar AS/ 13 Juli/ 21 Juli/ -
PT Bank BNP Paribas Indonesia 5,000 5,039
US Dollar July 2021 July 2024
Dolar AS/ 7 Juli/ 14 Juli/ -
PT Bank UOB Indonesia 4,278 1,891
US Dollar July 2022 July 2025
Dolar AS/ 6 Desember/ -
PT Bank UOB Indonesia 4,222 30 November 2021 4,862
US Dollar December 2024
Dolar AS/ -
PT Bank UOB Indonesia 3,167 16 November 2021 22 November 2024 4,038
US Dollar
Dolar AS/ -
PT Bank BNP Paribas Indonesia 3,167 16 November 2021 22 November 2024 4,027
US Dollar
Dolar AS/ 20 Juni/ 23 Juni/ -
PT Bank DBS Indonesia 3,167 1,895
US Dollar June 2022 June 2025
Dolar AS/ 6 Desember/ -
PT Bank UOB Indonesia 2,445 30 November 2021 2,816
US Dollar December 2024
Dolar AS/ 20 Juni/ 23 Juni/ -
PT Bank DBS Indonesia 1,833 1,098
US Dollar June 2022 June 2025
Dolar AS/ -
PT Bank UOB Indonesia 1,833 16 November 2021 22 November 2024 2,339
US Dollar
Dolar AS/ -
PT Bank BNP Paribas Indonesia 1,833 16 November 2021 22 November 2024 2,333
US Dollar
Dolar AS/
US Dollar 293,5000 195,833 13,717
Total 293,5000 195,833 13,717
Halaman - 5/90 - Page
Page 473
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
17. MODAL SAHAM DAN TAMBAHAN MODAL 17. SHARE CAPITAL AND ADDITIONAL PAID IN
DISETOR CAPITAL
Modal Saham Share Capital
Pemegang saham Perseroan pada tanggal The Company’s shareholders as at 31 December
31 Desember 2024 dan 2023 adalah sebagai 2024 and 2023 are as follows:
berikut:
Modal ditempatkan dan
disetor penuh (nilai Persentase Jumlah/
penuh)/ kepemilikan/ Amount
Pemegang saham/ Issued and fully paid (full Percentage of (nilai penuh/full
Shareholders amount) ownership amount)
PT Astra International Tbk 279,999,900 99.99996% 279,999,900,000
PT Arya Kharisma 100 0.00004% 100,000
280,000,000 100% 280,000,000,000
Berdasarkan Rapat Umum Pemegang Saham Based on General Meeting of Shareholders dated
tertanggal 19 April 2024, para pemegang saham on 19 April 2024, the shareholders approved final
menyetujui pembagian dividen final sejumlah dividend of Rp 2,787,400 atau Rp 9,955 (full
Rp 2.787.400 atau Rp 9.955 (Rupiah penuh) per Rupiah amount) per ordinary share to be paid from
saham biasa dari laba bersih tahun 2023 (2023: 2023 net income (2023: Rp 2,648,240 or Rp 9,458
Rp 2.648.240 atau Rp 9.458 (Rupiah penuh) per (full Rupiah amount) per ordinary share to be paid
saham biasa dari laba bersih tahun 2022 from 2022 net income based on the Annual General
berdasarkan Rapat Umum Pemegang Saham Meeting of Shareholders on 6 April 2023).
Tahunan tanggal 6 April 2023).
Berdasarkan surat keputusan Direksi Perseroan No. Based on Board of Directors’ decision letter No.
KepDir-FIF/006/IX/2024 tanggal 9 Oktober 2024 dan KepDir-FIF/006/IX/2024 tanggal 9 October 2024 and
keputusan Dewan Komisaris No. L.Leg/SPDK- Board of Commissioners’ decision No. L.Leg/SPDK-
016/FIF/2024 tanggal 9 Oktober 2024, Dewan 016/FIF/2024 tanggal 9 October 2024, Board of
Komisaris dan Direksi menyetujui pembagian dividen Commissioners and Board of Directors approved
interim sejumlah Rp 727.160 atau Rp 2.597 (Rupiah interim dividend of Rp 727,160 atau
penuh) per saham biasa dari laba bersih tahun 2024 Rp 2,597 (full Rupiah amount) per ordinary share to
(2023: Rp 1.319.920 atau Rp 4.714 (Rupiah penuh) be paid from 2024 net income (2023: Rp 1,319,920
per saham biasa dari laba bersih tahun 2023 or Rp 4,714 (full Rupiah amount) per ordinary share
berdasarkan surat keputusan Direksi Perseroan No. to be paid from 2023 net income based Board of
KepDir-FIF/001/X/2023 tanggal 11 Oktober 2023 dan Directors’ decision letter No. KepDir-FIF/001/X/2023
keputusan Dewan Komisaris No. L.Leg/SPDK- dated 11 October 2023 and Board of
015/FIF/2023 tanggal 11 Oktober 2023). Commissioners’ decision No. L.Leg/SPDK-
015/FIF/2023 dated 11 October 2023).
Tambahan Modal Disetor Additional Paid in Capital
Perubahan tambahan modal disetor adalah sebagai The movements in additional paid in capital are as
berikut: follows:
2024 2023
Saldo awal 36,020 36,020 Beginning balance
Tambahan modal disetor Additional paid in capital
akibat pelepasan due to disposal of
entitas anak (lihat Catatan 1) - - subsidiary (refer to Note 1)
Saldo akhir 36,020 36,020 Ending balance
Halaman - 5/91 - Page
Page 474
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
18. SALDO LABA YANG SUDAH DITENTUKAN 18. APPROPRIATED RETAINED EARNINGS
PENGGUNAANNYA
Pada tanggal 31 Desember 2024, Perseroan telah As of 31 December 2024, the Company has set up
membentuk penyisihan cadangan wajib sebesar statutory reserves of Rp 1,000 (2023: Rp 1,000),
Rp 1.000 (2023: Rp 1.000), berdasarkan penetapan based on the statement of the Annual General
Rapat Umum Pemegang Saham (“RUPS”) Tahunan Meeting of Shareholders (“GMS”) of PT Federal
PT Federal International Finance tentang penetapan International Finance regarding the stipulation of the
penggunaan laba bersih Perseroan tahun buku 2023 use of the Company’s net income for the 2023
tanggal 2 Mei 2024, yang dinyatakan dalam akta No. financial year dated on 2 May 2024, which was
02 dengan notaris Esther Pascalia Ery Jovina, S.H., notarised under deed No. 02 of Esther Pascalia Ery
M.Kn., dimana pemegang saham menyetujui untuk Jovina, S.H., M.Kn., which the shareholder approved
menggunakan laba bersih tahun 2023 sebagai the 2023 appropriation of net income as capital
cadangan modal sebesar Rp 1.000 dan sisanya reserves amounting Rp 1,000 and the remaining as
sebagai laba ditahan. retained earnings.
Hal ini telah sesuai dengan Undang-Undang This is in accordance with the Indonesian Limited
No. 40/2007 mengenai Perseroan Terbatas, yang Company Law No. 40/2007, which requires
mengharuskan perusahaan-perusahaan untuk companies to set up a statutory reserve until the
membuat penyisihan cadangan wajib sampai reserve reach at least 20% of the issued and paid up
cadangan mencapai sekurang-kurangnya 20% dari share capital. There is no set period of time over
jumlah modal yang ditempatkan dan disetor penuh. which this amount should be provided.
Undang-Undang tersebut tidak mengatur jangka
waktu untuk penyisihan tersebut.
19. PENGHASILAN PEMBIAYAAN KONSUMEN 19. CONSUMER FINANCING INCOME
2024 2023
Penghasilan pembiayaan konsumen Consumer financing income
- Pihak ketiga 9,003,624 7,211,457 Third parties -
Penghasilan dari pembiayaan Income from sharia
konsumen syariah consumer financing
- Pihak ketiga 389,568 1,569,882 Third parties -
Penghasilan dari pembiayaan bersama Income from joint financing
without recourse without recourse
- Pihak ketiga 105,885 233,301 Third parties -
Penghasilan dari pembiayaan bersama Income from sharia joint financing
without recourse syariah without recourse
- Pihak ketiga 20 82 Third parties -
9,499,097 9,014,722
20. PENGHASILAN BUNGA DAN DENDA 20. INTEREST AND PENALTY INCOME
2024 2023
Pihak ketiga Third parties
Denda atas keterlambatan pembayaran 156,815 167,313 Penalty income
Bunga bank 24,792 28,683 Interest from bank
181,607 195,996
Pihak berelasi Related parties
Bunga bank 187 301 Interest from bank
187 301
181,794 196,297
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
21. PENGHASILAN LAIN-LAIN 21. OTHER INCOME
2024 2023
Selisih lebih penerimaan
pembayaran dari konsumen 16,430 13,004 Excess receipts from customers
Keuntungan dari penjualan Gain on sale of fixed assets
aset tetap (lihat Catatan 9) 2,185 471 (refer to Note 9)
Lain-lain 4,653 3,167 Others
23,268 16,642
Halaman - 5/92 - Page
Page 475
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
22. PENGHASILAN DARI IJARAH - BERSIH 22. INCOME FROM IJARAH - NET
Pada tanggal 31 Desember 2024, penghasilan dari As at 31 December 2024, income from ijarah - net
ijarah - bersih terdiri dari ijarah muntahiyah bittamlik are comprised of ijarah muntahiyah bittamlik (“IMBT”)
(“IMBT”) dan ijarah multijasa sebesar Rp 2.449.745 and multi-services ijarah amounting to Rp 2,449,745
(2023: Rp 1.188.823). (2023: Rp 1,188,823).
Pendapatan IMBT - bersih merupakan pendapatan Income from IMBT - net represents the principal and
pokok dan margin IMBT setelah dikurangi beban margin income from IMBT after deducting
penyusutan, amortisasi, dan penurunan nilai aset depreciation, amortisation expenses and impairment
ijarah. Pendapatan ijarah multijasa - bersih of ijarah assets. Multiservices ijarah income - net
merupakan pendapatan ijarah tidak langsung atas represents indirect ijarah income from the principal
margin dan pokok ijarah multijasa setelah dikurangi and margin of multi-services ijarah after deducting
biaya yang dibayarkan kepada pemberi jasa awal. fees paid to the initial service provider.
23. BEBAN USAHA 23. OPERATING EXPENSES
2024 2023
Pihak ketiga Third parties
Gaji, upah dan kesejahteraan 1,476,293 1,200,812 Salaries, wages and allowance
Penyusutan (lihat Catatan 9) 283,469 236,268 Depreciation (refer to Note 9)
Perbaikan dan pemeliharaan 220,420 185,439 Repairs and maintenance
Jasa tenaga ahli 212,777 162,051 Professional fees
Penyusutan aset hak-guna (lihat Catatan 9) 130,051 120,034 Right-of-use assets depreciation (refer to Note 9)
Komunikasi 89,733 92,306 Communications
Pajak dan perijinan 61,267 57,098 Taxes and licenses
Perjalanan 54,466 51,017 Travelling
Iklan dan promosi 48,141 46,815 Advertising and promotion
Perlengkapan kantor 40,731 35,277 Office supplies
Listrik, air dan gas 34,090 31,129 Electricity, water and gas
Pelatihan 26,429 14,852 Training
Sewa (lihat Catatan 9) 19,224 16,723 Rent (refer to Note 9)
Sumbangan dan kontribusi 8,016 8,246 Donations and contributions
Beban pajak final 4,996 5,797 Final tax expense
Lain-lain 4,329 3,580 Others
2,714,432 2,267,444
Pihak berelasi Related parties
Gaji, upah dan kesejahteraan 137,899 143,007 Salary, wages and allowances
Penyusutan aset hak-guna (lihat Catatan 9) 65,984 59,377 Right-of-use assets depreciation (refer to Note 9)
Jasa tenaga ahli 12,832 12,575 Professional fee
Sewa (lihat Catatan 9) 7,129 7,320 Rent (refer to Note 9)
Asuransi 7,077 7,179 Insurance
230,921 229,458
2,945,353 2,496,902
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
24. BEBAN BUNGA DAN KEUANGAN 24. INTEREST AND FINANCING CHARGES
2024 2023
Pihak ketiga Third parties
Bunga pinjaman bank 1,320,229 896,124 Interest on bank loans
Bunga obligasi 553,364 456,117 Interest on bonds
Beban provisi dan administrasi bank 194,309 203,861 Provision and bank charges
Amortisasi biaya emisi Amortisation of bonds
obligasi (lihat Catatan 15) 13,654 11,906 issuance cost (refer to Note 15)
Beban bunga liabilitas sewa 9,536 8,052 Interest expense on lease liabilities
Kerugian transaksi derivatif Loss on derivative transaction
dan selisih kurs - bersih 708 508 and foreign exchange - net
2,091,800 1,576,568
Pihak berelasi Related parties
Beban bunga liabilitas sewa 3,710 2,927 Interest expense on lease liabilities
2,095,510 1,579,495
Lihat Catatan 26 untuk rincian saldo dan transaksi Refer to Note 26 for details of related parties
dengan pihak berelasi. balances and transactions.
Halaman - 5/93 - Page
Page 476
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. LIABILITAS IMBALAN KERJA 25. EMPLOYEE BENEFIT OBLIGATIONS
2024 2023
Imbalan pensiun dan Pension benefits and
pascakerja lainnya 106,093 93,389 other post-employment benefit
Imbalan jangka panjang lainnya 206,007 173,802 Other long-term benefits
312,100 267,191
Liabilitas imbalan kerja untuk tahun-tahun berakhir Employee benefit obligations for the years ended
pada tanggal 31 Desember 2024 dan 2023 dihitung 31 December 2024 and 2023 is calculated by an
oleh aktuaris independen Kantor Konsultan Aktuaria independent actuary Kantor Konsultan Aktuaria
Halim dan Rekan dengan menggunakan metode Halim dan Rekan which used the projected unit credit
projected unit credit. Berikut ini adalah hal-hal method. The following are significant matters
penting yang diungkapkan dalam laporan aktuaria disclosed in the actuarial report dated 10 January
masing-masing tertanggal 10 Januari 2025 dan 2025 and 11 January 2024, respectively.
11 Januari 2024.
Asumsi aktuarial pokok yang digunakan adalah The principal actuarial assumptions used are as
sebagai berikut: follows:
2024 2023
Asumsi ekonomi: Economic assumptions:
- Tingkat diskonto 6.3% - 6.5% 6.8% - 7.0% Discount rate -
- Kenaikan gaji di masa datang 6.5% 6.5% Future salary increases -
Asumsi lainnya: Other assumptions:
- Tingkat kematian TMI (Tabel Mortalitas Indonesia) IV 2019/ Table of mortality -
Indonesian Mortality Table IV 2019
- Tingkat cacat 5% dari tingkat mortalitas/ Disability rate -
5% from mortality rate
- Tingkat pengunduran 15% per tahun pada usia sampai dengan 25 tahun Withdrawal rate -
peserta dan berkurang hingga 1% pada usia 45 tahun dan
setelahnya/15% per annum up to age 25
and reducing linearly to 1% for age 45 and thereafter
- Usia pensiun normal 55 tahun/55 years Normal retirement age -
Imbalan pensiun dan pascakerja lainnya Pension and other post-employment benefits
Sebelum tanggal 6 September 2005, Perseroan Prior to 6 September 2005, the Company had a
menyelenggarakan program pensiun imbalan pasti defined benefit pension plan covering all permanent
untuk seluruh karyawan tetapnya yang dikelola oleh employees which has managed by “Dana Pensiun
”Dana Pensiun Astra”. Sejak tanggal 6 September Astra”. From 6 September 2005, the Company’s
2005, Perseroan memiliki dua jenis program pensiun, pension arrangements were reorganised to include
yaitu program pensiun imbalan pasti dan program both a defined benefit pension plan and defined
pensiun iuran pasti. contribution pension plan.
Sejak tanggal 6 September 2005, Dana Pensiun Effective from 6 September 2005, Dana Pensiun
Astra dilanjutkan menjadi Dana Pensiun Astra Satu Astra was continued under a new scheme called
(”DPA 1”), yang khusus menangani program pensiun Dana Pensiun Astra Satu (“DPA 1”), specifically
imbalan pasti, yang ditujukan untuk semua karyawan designed for the defined benefit pension plan, which
yang telah menjadi peserta Dana Pensiun Astra is designated for all employees who became member
sebelum atau pada tanggal 20 April 1992. of Dana Pensiun Astra on or before 20 April 1992.
Sedangkan program pensiun iuran pasti dikelola oleh The defined contribution pension plan is managed by
Dana Pensiun Astra Dua (“DPA 2”) ditujukan untuk “Dana Pensiun Astra Dua (“DPA 2”) and is
karyawan yang menjadi peserta Dana Pensiun Astra designated for employees who became members of
sesudah tanggal 20 April 1992. Dana Pensiun Astra after 20 April 1992.
Pada tanggal 31 Desember 2024, jumlah peserta As at 31 December 2024, DPA 1 and DPA 2 have
DPA 1 dan DPA 2 masing-masing adalah 3 peserta 3 participants and 12,176 participants, respectively
dan 12.176 orang (2023: 4 peserta dan 11.665 (2023: 4 participants and 11,665 participants)
orang) (tidak diaudit). (unaudited).
Halaman - 5/94 - Page
Page 477
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. LIABILITAS IMBALAN KERJA (lanjutan) 25. EMPLOYEE BENEFIT OBLIGATIONS (continued)
Imbalan pensiun dan pascakerja lainnya (lanjutan) Pension and other post-employment benefits
(continued)
Liabilitas imbalan pascakerja yang diakui di laporan The post-employment benefit obligations recognised
posisi keuangan adalah sebagai berikut: in the statements of financial position are as follows:
2024 2023
Nilai kini kewajiban 107,835 95,602 Present value of obligations
Nilai wajar aset program (1,742) (2,213) Fair value of plan assets
Liabilitas imbalan pascakerja neto 106,093 93,389 Net post-employment benefit liabilities
Mutasi liabilitas imbalan pascakerja neto adalah The movements of net post-employment benefit
sebagai berikut: liabilities are as follows:
31 Desember/December 2024
Nilai kini Nilai wajar aset Liabilitas imbalan
kewajiban/ program/ pascakerja/
Present value of Fair value of plan Post-employment
obligations assets benefit obligations
Pada awal tahun 95,602 (2,213) 93,389 At beginning of year
Biaya jasa kini 15,803 - 15,803 Current service cost
Beban/(penghasilan) bunga 6,301 (131) 6,170 Interest expense/(income)
Pengukuran kembali: Remeasurements:
- Imbal hasil atas aset Return on plan assets, -
program, tidak termasuk excluding amounts
jumlah dalam beban included in interest
bunga - 49 49 expense
- Perubahan dalam asumsi Change in financial -
keuangan 9,854 - 9,854 assumptions
- Penyesuaian pengalaman Experience adjustment -
kewajiban (9,457) - (9,457) on obligation
Iuran pemberi pekerja - (68) (68) Employer’s contributions
Iuran pekerja 13 (13) - Employee’s contributions
Imbalan yang dibayar (10,281) 634 (9,647) Benefits paid
Pada akhir tahun 107,835 (1,742) 106,093 At end of year
31 Desember/December 2023
Nilai kini Nilai wajar aset Liabilitas imbalan
kewajiban/ program/ pascakerja/
Present value of Fair value of plan Post-employment
obligations assets benefit obligations
Pada awal tahun 91,662 (3,126) 88,536 At beginning of year
Biaya jasa kini 12,633 - 12,633 Current service cost
Beban/(penghasilan) bunga 6,386 (183) 6,203 Interest expense/(income)
Pengukuran kembali: Remeasurements:
- Imbal hasil atas aset Return on plan assets, -
program, tidak termasuk excluding amounts
jumlah dalam beban included in interest
bunga - 68 68 expense
- Perubahan dalam asumsi Change in financial -
keuangan (848) - (848) assumptions
- Penyesuaian pengalaman Experience adjustment -
kewajiban (3,036) - (3,036) on obligation
Iuran pemberi pekerja - (62) (62) Employer’s contributions
Iuran pekerja 18 (18) - Employee’s contributions
Imbalan yang dibayar (11,213) 1,108 (10,105) Benefits paid
Pada akhir tahun 95,602 (2,213) 93,389 At end of year
Halaman - 5/95 - Page
Page 478
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. LIABILITAS IMBALAN KERJA (lanjutan) 25. EMPLOYEE BENEFIT OBLIGATIONS (continued)
Imbalan pensiun dan pascakerja lainnya (lanjutan) Pension and other post-employment benefits
(continued)
Durasi rata-rata tertimbang dari liabilitas program The weighted average duration of the defined benefit
pensiun imbalan pasti pada tanggal 31 Desember pension obligation at 31 December 2024 is 16 years
2024 adalah 16 tahun (2023: 16 tahun). (2023: 16 years).
Analisis jatuh tempo yang diharapkan dari manfaat Expected maturity analysis of undiscounted pension
pensiun tidak didiskontokan adalah sebagai berikut: benefits are as follows:
2024 2023
Kurang dari satu tahun 6,826 10,021 Less than a year
Antara satu dan dua tahun 8,056 7,176 Between one and two years
Antara dua dan lima tahun 36,374 29,660 Between two and five years
Lebih dari lima tahun 1,967,242 1,794,201 Beyond five years
Sensitivitas liabilitas pensiun imbalan pasti untuk The sensitivity of the defined benefit pension
perubahan asumsi aktuarial pokok adalah sebagai obligation to changes in the principal actuarial
berikut: assumptions are as follows:
31 Desember/December 2024
Dampak pada (penurunan)/kenaikan kewajiban
imbalan pasti/
Impact on (decrease)/increase in defined
benefit obligation
Perubahan
asumsi/ Kenaikan asumsi/ Penurunan asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Tingkat diskonto 1% (18,156) 25,199 Discount rate
Kenaikan gaji di masa datang 1% 27,196 (20,151) Future salary increase
31 Desember/December 2023
Dampak pada (penurunan)/kenaikan kewajiban
imbalan pasti/
Impact on (decrease)/increase in defined
benefit obligation
Perubahan
asumsi/ Kenaikan asumsi/ Penurunan asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Tingkat diskonto 1% (14,407) 20,476 Discount rate
Kenaikan gaji di masa datang 1% 22,932 (16,141) Future salary increase
Analisis sensitivitas di atas didasarkan pada The above sensitivity analysis is based on a change
perubahan atas satu asumsi aktuarial dimana semua in an assumption while holding all other assumptions
asumsi lainnya dianggap konstan. Dalam constant. In practice, this is unlikely to occur and
prakteknya, hal ini jarang terjadi dan perubahan changes in some of the assumptions may be
beberapa asumsi mungkin saling berkorelasi. Dalam correlated. When calculating the sensitivity of the
perhitungan sensitivitas liabilitas pensiun imbalan defined benefit pension obligation to significant
pasti atas asumsi aktuarial utama, metode yang actuarial assumptions, the same method (present
sama (perhitungan nilai kini liabilitas pensiun imbalan value of the defined benefit pension obligation
pasti dengan menggunakan metode projected unit calculated with the projected unit credit method at the
credit pada akhir periode pelaporan) telah diterapkan end of the reporting period) has been applied when
seperti dalam perhitungan liabilitas pensiun yang calculating the pension liability recognised within the
diakui dalam laporan posisi keuangan. statements of financial position.
Halaman - 5/96 - Page
Page 479
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. LIABILITAS IMBALAN KERJA (lanjutan) 25. EMPLOYEE BENEFIT OBLIGATIONS (continued)
Imbalan pensiun dan pascakerja lainnya (lanjutan) Pension and other post-employment benefits
(continued)
Aset program terdiri dari: Plan assets comprise the following:
2024 2023
Instrumen ekuitas 10% 24% Equity instruments
Obligasi (termasuk Obligasi Pemerintah) 82% 71% Bonds (including Government Bonds)
Lain-lain 9% 5% Others
100% 100%
Melalui program pensiun imbalan pasti, Perseroan Through its defined benefits pension plans, the
terekspos beberapa risiko seperti volatilitas aset dan Company is exposed to a number of risk such as
perubahan imbal hasil obligasi, sebagai berikut: assets volatility and changes in bonds yields, as
follows:
Volatilitas aset Asset volatility
Liabilitas program dihitung menggunakan tingkat The plan liabilities are calculated using a discount
diskonto yang merujuk kepada tingkat imbal hasil rate set with reference to government bond yields, if
obligasi pemerintah, jika imbal hasil aset program plan assets underperform this yield, this will create a
lebih rendah, maka akan menghasilkan defisit deficit. The Company’s defined benefit pension plans
program. Program pensiun imbalan pasti Perseroan hold a significant proportion of equities, which are
memiliki porsi ekuitas yang signifikan, yang expected to outperform Government Bonds and
diharapkan untuk menghasilkan imbal hasil yang corporate bonds in the long-term while providing
lebih tinggi dibandingkan Obligasi Pemerintah dan volatility and risk in the short-term.
perusahaan jangka panjang sementara memberikan
volatilitas dan risiko dalam jangka pendek.
Perubahan imbal hasil obligasi Changes in bond yields
Penurunan imbal hasil Obligasi Pemerintah akan A decrease in Government Bonds yields will increase
meningkatkan liabilitas program, walaupun hal ini plan liabilities, although this will be partially offset by
akan saling hapus secara sebagian dengan kenaikan an increase in the value of the plan’s bond holdings.
dari nilai obligasi program yang dimiliki.
PT Astra International Tbk (Grup) memastikan PT Astra International Tbk (Group)’s ensures
bahwa posisi investasi telah diatur dalam kerangka that the investment positions are managed
asset-liability matching (“ALM”) yang telah dibentuk within an asset-liability matching (“ALM”)
untuk mencapai hasil jangka panjang yang sejalan framework that is developed to achieve
dengan liabilitas pada program pensiun imbalan long-term returns that are in line with the obligation in
pasti. Dalam kerangka ALM, tujuan Perseroan defined benefit pension plans. Within this ALM
adalah untuk menyesuaikan aset-aset dan liabilitas framework, the Company’s objective is to match
pensiun dengan berinvestasi pada portofolio yang assets and the pension obligations by investing
terdiversifikasi dengan baik dalam menghasilkan in a well-diversified portfolio the generates
tingkat pengembalian yang cukup, disesuaikan sufficient risk-adjusted returns the match the
dengan risiko yang ada, untuk disesuaikan dengan benefit payments. The Company also actively
pembayaran imbalan. Perseroan juga secara aktif monitors the duration and the expected yield
memantau durasi dan imbal hasil investasi yang of the investments to ensure it matches the
diharapkan untuk memastikan bahwa telah sesuai expected cash outflows arising from the pension
dengan arus kas keluar yang diharapkan timbul dari obligations.
kewajiban pensiun.
Investasi pada program telah terdiversifikasi dengan Investment across the plans are well diversified, such
baik, sehingga kinerja buruk satu investasi tidak akan that the failure of any single investment would not
memberikan dampak material bagi seluruh kelompok have a material impact on the overall level of assets.
aset.
Jumlah kontribusi yang diharapkan untuk program Expected contributions to defined benefit pension
pensiun imbalan pasti dalam satu tahun ke depan plan for the next year are Rp 47,765 (2023:
adalah sebesar Rp 47.765 (2023: Rp 44.594). Rp 44,594).
Halaman - 5/97 - Page
Page 480
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. LIABILITAS IMBALAN KERJA (lanjutan) 25. EMPLOYEE BENEFIT OBLIGATIONS (continued)
Imbalan kerja jangka panjang lainnya Other long-term employee benefits
Mutasi liabilitas imbalan kerja jangka panjang lainnya The movements of other long-term employee benefit
yang diakui pada laporan posisi keuangan adalah liabilities recognised in the statements of financial
sebagai berikut: position are as follows:
2024 2023
Awal tahun 173,802 158,466 Beginning of the year
Jumlah yang dibebankan pada Total expense charged in the
laporan laba rugi 45,728 43,100 profit or loss
Kerugian/(keuntungan) bersih Net actuarial loss/(gain)
aktuarial yang diakui 11,161 (5,427) recognised
Imbalan yang dibayarkan (24,684) (22,337) Benefits paid
Saldo akhir 206,007 173,802 Ending balance
Jumlah yang diakui pada laba rugi adalah sebagai The amounts recognised in profit or loss are as
berikut: follows:
2024 2023
Biaya jasa kini 34,620 32,789 Current service cost
Biaya bunga 11,108 10,311 Interest cost
Keuntungan bersih aktuarial Net actuarial
yang diakui 11,161 (5,427) gain recognised
56,889 37,673
Manajemen berkeyakinan bahwa estimasi liabilitas Management believes that the estimated post-
atas imbalan pascakerja per 31 Desember 2024 dan employment benefit obligations as at
2023 telah memenuhi persyaratan minimum UU 31 December 2024 and 2023 have fulfilled the
Cipta Kerja No. 11/2020, PP 35/2021 dan Peraturan minimum requirement of Job Creation Act
Perseroan tentang Imbalan PascaKerja (“IPK“). No.11/2020, PP 35/2021 and Company Regulations
regarding post-employment benefits (“IPK”).
26. TRANSAKSI PIHAK BERELASI 26. RELATED PARTY TRANSACTIONS
Saldo dan transaksi dengan pihak berelasi adalah Balances and transactions with related parties are as
sebagai berikut: follows:
PT Astra International Tbk (AI) PT Astra International Tbk (AI)
Perseroan dikendalikan oleh induk perusahaan The Company is controlled by its immediate Parent
terdekatnya PT Astra International Tbk, sebuah Company PT Astra International Tbk, a Company
perusahaan yang berkedudukan di Indonesia. incorporated in Indonesia. PT Astra International
Pemegang saham terbesar PT Astra International Tbk's largest shareholder is Jardine Cycle & Carriage,
Tbk adalah Jardine Cycle & Carriage, sebuah a Company incorporated in Singapore. Jardine Cycle
perusahaan berkedudukan di Singapura. Jardine and Carriage is a Subsidiary of Jardine Matheson
Cycle & Carriage merupakan anak perusahaan dari Holdings Limited, a Company incorporated in
Jardine Matheson Holdings Limited, sebuah Bermuda.
perusahaan yang berkedudukan di Bermuda.
Perseroan membayarkan insentif pada Honda Sales The Company pays incentives to Honda Sales
Operation yang merupakan salah satu Divisi yang Operation which is one of AI Divisions and has
dimiliki AI dan mengadakan perjanjian kerjasama entered into agreement for professional fee services
dalam bidang jasa tenaga ahli dengan Astraworld with Astraworld which is one of AI’s business unit.
yang merupakan salah satu unit bisnis yang dimiliki
AI.
Halaman - 5/98 - Page
Page 481
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. TRANSAKSI PIHAK BERELASI (lanjutan) 26. RELATED PARTY TRANSACTIONS (continued)
PT Asuransi Astra Buana (AAB) PT Asuransi Astra Buana (AAB)
AI merupakan pihak pengendali tidak langsung dari AI is the indirect controlling shareholder of AAB.
AAB.
Perseroan mengadakan perjanjian kerjasama The Company has entered into cooperation
dengan AAB dalam rangka penyediaan asuransi agreements with AAB to provide credit shield and
perlindungan kredit dan penutupan asuransi insurance coverage of financed vehicles. The
kendaraan bermotor yang dibiayai. Perseroan Company insures vehicles for the interest of the
melakukan penutupan asuransi atas kendaraan Company in its capacity as financing provider.
bermotor demi kepentingan Perseroan dalam Insurance premium payments received from
kapasitasnya sebagai penyedia pembiayaan. customers that have not yet been paid to insurance
Pembayaran premi asuransi yang telah diterima dari companies are recorded as insurance premium
konsumen namun belum dibayarkan kepada payable. The Company also insures its fixed assets
perusahaan asuransi dicatat sebagai utang premi with AAB.
asuransi. Perseroan juga mengasuransikan aset
tetap pada AAB.
PT Astra Multi Finance (AMF) PT Astra Multi Finance (AMF)
AI merupakan pemegang saham utama dari AMF. AI is the ultimate controlling shareholder of AMF.
Sejak pertengahan tahun 2008, Perseroan bekerja Since mid of 2008, the Company cooperated with
sama dengan AMF dalam pembiayaan berbasis AMF on sharia and electronic financing activities.
syariah dan pembiayaan elektronik.
Perseroan melakukan kerja sama sinergis dengan The Company entered into synergic cooperation
AMF di lingkup operasional dalam pembiayaan agreement with AMF on the scope of operations in
konsumen elektronik. electronics consumer financing.
Perseroan mengadakan perjanjian kerjasama The Company has entered into cooperation with
dengan AMF dalam rangka pembiayaan bersama AMF to provide joint financing for motorcycles.
kendaraan bermotor roda dua.
PT Matra Graha Sarana (MGS) PT Matra Graha Sarana (MGS)
AI merupakan pemegang saham utama dari MGS. AI is the ultimate controlling shareholder of MGS.
Perseroan mengadakan perjanjian penyewaan untuk The Company has entered into renting agreement for
gedung kantor cabang dengan MGS. its branch office building with MGS.
PT Sharia Multifinance Astra (SMA) PT Sharia Multifinance Astra (SMA)
AI merupakan pemegang saham utama dari SMA. AI is the ultimate controlling shareholder of SMA. The
Perseroan bekerja sama dengan SMA dalam Company cooperated with SMA on sharia financing
pembiayaan berbasis syariah. activities.
PT Serasi Autoraya (SERA) PT Serasi Autoraya (SERA)
AI merupakan pemegang saham utama dari SERA. AI is the ultimate controlling shareholder of SERA.
Perseroan mengadakan perjanjian penyewaan untuk The Company has entered into renting agreement for
mobil operasional dengan SERA. its operational car with SERA.
Halaman - 5/99 - Page
Page 482
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. TRANSAKSI PIHAK BERELASI (lanjutan) 26. RELATED PARTY TRANSACTIONS (continued)
Dana Pensiun Astra (DPA) Dana Pensiun Astra (DPA)
Dana Pensiun Astra didirikan oleh PT Astra Dana Pensiun Astra is established by PT Astra
International Tbk untuk menyelenggarakan program International Tbk to facilitate defined benefit pension
pensiun manfaat pasti (DPA 1) dan iuran pasti plan (DPA 1) and defined contribution pension plan
(DPA 2). (DPA 2).
PT Samadista Karya (SK) PT Samadista Karya (SK)
AI merupakan pihak pengendali tidak langsung dari AI is the indirect controlling shareholder of AAB. AAB
AAB. AAB merupakan pemegang saham utama dari is the ultimate controlling shareholder of SK. The
SK. Perseroan mengadakan perjanjian penyewaan Company has in turn entered into renting agreement
untuk gedung kantor dengan SK. for its office building with SK.
PT Sedaya Multi Investama (SMI) PT Sedaya Multi Investama (SMI)
AI merupakan pihak pengendali tidak langsung dari AI is the indirect controlling shareholder of SMI.
SMI. Perseroan mengadakan perjanjian kerjasama The Company has in turn entered into agreement for
dalam bidang jasa tenaga ahli. professional fee services.
PT Astra Digital Arta (ADA) PT Astra Digital Arta (ADA)
Sejak tanggal 1 Juli 2021, ADA merupakan entitas Since 1 July 2021, ADA is an associate entity of the
asosiasi Perseroan. Perseroan memiliki 25% saham Company. The Company owns a 25% share in ADA.
di ADA.
PT Arya Kharisma (AK) PT Arya Kharisma (AK)
PT Astra International Tbk merupakan pemegang PT Astra International Tbk is the ultimate controlling
saham utama dari AK. AK merupakan pemegang shareholder of AK. AK is the shareholder of the
saham dari Perseroan. Company.
PT Bank Jasa Jakarta (BJJ) PT Bank Jasa Jakarta (BJJ)
AI merupakan pengendali tidak langsung dari BJJ. AI is the indirect controlling shareholder of BJJ. The
Perseroan memiliki rekening bank dan perjanjian Company has bank account in Bank Jasa Jakarta
pembiayaan bersama roda dua. and cooperated on two wheel motorcycle financing.
PT Astra Welab Digital Arta (AWDA) PT Astra Welab Digital Arta (AWDA)
PT Sedaya Multi Investama merupakan pihak PT Sedaya Multi Investama is the indirect controlling
pengendali tidak langsung dari AWDA. Perseroan shareholder of AWDA. The Company has in turn
mengadakan perjanjian kerjasama dalam bidang entered into agreement for two wheel motorcycle
pembiayaan bersama roda dua. financing.
Personel manajemen kunci Key management personnel
Personel manajemen kunci adalah orang-orang yang Key management personnel are those people whom
mempunyai wewenang dan tanggung jawab untuk have the authority and responsibility to plan, lead,
merencanakan, memimpin dan mengendalikan and control activities of the Company, directly or
aktivitas Perseroan, secara langsung atau tidak indirectly. Key management personnel are the Board
langsung. Personel manajemen kunci adalah Dewan of Commissioners, Board of Directors and Division
Komisaris, Direksi dan Kepala Divisi dari Perseroan. Heads of the Company.
Halaman - 5/100 - Page
Page 483
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. TRANSAKSI PIHAK BERELASI (lanjutan) 26. RELATED PARTY TRANSACTIONS (continued)
Saldo dan transaksi dengan pihak berelasi adalah Balances and transactions with related parties are as
sebagai berikut: follows:
2024 2023
Aset Assets
Kas dan setara kas Cash and cash equivalents
- PT Bank Jasa Jakarta 212 10,087 PT Bank Jasa Jakarta -
Persentase terhadap jumlah aset 0.00% 0.03% Percentage of total assets
Piutang lain-lain Other receivables
- Piutang asuransi kredit Credit insurance receivable -
PT Asuransi Astra Buana 81,832 42,710 PT Asuransi Astra Buana
- Pembayaran konsumen Settlement of debtor’s payment -
melalui payment channel through payment channel
PT Astra Digital Arta 78,939 40,148 PT Astra Digital Arta
- Pinjaman manajemen kunci 6,948 5,738 Key management loans -
- Lain-lain Others -
PT Sharia Multifinance Astra - 910 PT Sharia Multifinance Astra
PT Matra Graha Sarana - 4 PT Matra Graha Sarana
167,719 89,510
Persentase terhadap jumlah aset 0.36% 0.23% Percentage of total assets
Beban dibayar dimuka Prepayments
- Asuransi Insurance -
PT Asuransi Astra Buana 666 1,505 PT Asuransi Astra Buana
- Sewa Rent -
PT Samadista Karya - 44 PT Samadista Karya
PT Matra Graha Sarana - 29 PT Matra Graha Sarana
666 1,578
Persentase terhadap jumlah aset 0.00% 0.00% Percentage of total assets
Investasi pada entitas asosiasi Investment in associate
PT Astra Digital Arta 37,257 57,559 PT Astra Digital Arta
Persentase terhadap jumlah aset 0.08% 0.15% Percentage of total assets
Aset hak-guna - net Right-of-use asset - net
PT Serasi Autoraya 37,540 26,592 PT Serasi Autoraya
Persentase terhadap jumlah aset 0.08% 0.07% Percentage of total assets
Liabilitas Liabilities
Utang penyalur kendaraan Dealer payables
PT Astra International Tbk 5,952 486 PT Astra International Tbk
Persentase terhadap jumlah liabilitas 0.02% 0.00% Percentage of total liabilities
Utang lain-lain Other payables
- Liabilitas sewa Lease liabilities -
PT Serasi Autoraya 39,811 28,455 PT Serasi Autoraya
- Kliring konsumen Customer clearing accounts -
PT Astra Multi Finance 53,389 26,434 PT Astra Multi Finance
PT Sharia Multifinance Astra 2,066 - PT Sharia Multifinance Astra
95,266 54,889
Persentase terhadap jumlah liabilitas 0.28% 0.20% Percentage of total liabilities
Utang premi asuransi Insurance premium payables
PT Asuransi Astra Buana 505,821 533,460 PT Asuransi Astra Buana
Persentase terhadap jumlah liabilitas 1.51% 1.91% Percentage of total liabilities
Penghasilan bunga dan denda Interest and penalty income
Bunga bank Interest from bank
PT Bank Jasa Jakarta 187 301 PT Bank Jasa Jakarta
Persentase terhadap jumlah penghasilan Percentage of total interest and
bunga dan denda 0.10% 0.15% penalty income
Halaman - 5/101 - Page
Page 484
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. TRANSAKSI PIHAK BERELASI (lanjutan) 26. RELATED PARTY TRANSACTIONS (continued)
Saldo dan transaksi dengan pihak berelasi adalah Balances and transactions with related parties are as
sebagai berikut: (lanjutan) follows: (continued)
2024 2023
Beban usaha Operating expenses
- Gaji, upah dan kesejahteraan Salary, wages and allowances -
Direksi dan manajemen kunci 94,513 101,572 Board of Directors and key management
Dana Pensiun Astra 43,386 41,435 Dana Pensiun Astra
- Jasa tenaga ahli Professional fee -
PT Sedaya Multi Investama 12,304 12,000 PT Sedaya Multi Investama
PT Serasi Autoraya 528 575 PT Serasi Autoraya
- Penyusutan atas aset hak-guna Depreciation of right-of-use assets -
PT Samadista Karya 25,654 22,296 PT Samadista Karya
PT Matra Graha Sarana 24,683 22,636 PT Matra Graha Sarana
PT Serasi Autoraya 15,647 14,445 PT Serasi Autoraya
- Sewa Rent -
PT Serasi Autoraya 6,845 7,112 PT Serasi Autoraya
PT Samadista Karya 255 160 PT Samadista Karya
PT Matra Graha Sarana 29 48 PT Matra Graha Sarana
- Jasa tenaga ahli Professional fee -
PT Sedaya Multi Investama 12,304 12,000 PT Sedaya Multi Investama
PT Serasi Autoraya 528 575 PT Serasi Autoraya
- Asuransi Insurance -
PT Asuransi Astra Buana 7,077 7,179 PT Asuransi Astra Buana
230,921 229,458
Persentase terhadap jumlah Percentage of total
beban usaha 7.84% 9.19% operating expenses
Beban bunga dan keuangan Interest and financing charges
Beban bunga liabilitas sewa Interest expense on lease liabilities
PT Serasi Autoraya 3,710 2,927 PT Serasi Autoraya
Persentase terhadap jumlah beban Percentage of total interest and
bunga dan keuangan 0.18% 0.19% financing charges
Rugi entitas asosiasi Loss from investment in associate
PT Astra Digital Arta 20,282 20,605
Persentase terhadap Percentage of
jumlah beban 0.31% 0.40% total expenses
Kompensasi manajemen kunci Key management compensation
Kompensasi yang dibayar atau terutang pada The compensation paid or payable to key
manajemen kunci atas jasa kepegawaian adalah management for employee services is shown below:
sebagai berikut:
Dewan Komisaris, Direksi dan
Personil Manajemen Kunci/
Board of Commissioners,
Board of Directors and
Key Management Personnel
2024 2023
Gaji dan imbalan kerja Salaries and other short-term
jangka pendek lainnya 94,513 101,572 employment benefits
Imbalan pascakerja dan
imbalan jangka panjang Post-employment benefits and
lainnya 2,049 40 other long-term benefits
Jumlah 96,562 101,612 Total
Halaman - 5/102 - Page
Page 485
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERJANJIAN KERJASAMA YANG SIGNIFIKAN 27. SIGNIFICANT COOPERATION AGREEMENTS
a. Pembiayaan bersama a. Joint financing
Pembiayaan bersama without recourse Joint financing without recourse
Perseroan mempunyai perjanjian kerjasama The Company enters into joint financing
dengan beberapa bank dalam pemberian agreements with several banks where the
pembiayaan bersama dimana Perseroan Company bears credit risk in accordance with its
menanggung risiko kredit sesuai dengan portion (without recourse). The maximum joint
porsinya (without recourse). Fasilitas maksimum financing facility for each joint financing providers
pembiayaan bersama untuk setiap pemberi as at 31 December 2024 and 2023 as follows:
pembiayaan bersama pada 31 Desember 2024
dan 2023 sebagai berikut:
31 Desember/December 2024 31 Desember/December 2023
Fasilitas Fasilitas
maksimum maksimum
pembiayaan/ pembiayaan/
Pemberi pembiayaan bersama/ Maximum Periode/ Maximum Periode/
Joint financing provider financing facility Period financing facility Period
PT Toyota Astra Financial Services Tidak 2 Januari/January 2014 – Tidak terbatas 2 Januari/January 2014 –
terbatas/ Automatic renewal /Unlimited 2 Januari/January 2024
Unlimited
PT Bank Permata Tbk Rp 6,100,000 19 Desember/ Rp 6,100,000 19 Desember/
December 2014 – December 2014 –
Tidak terbatas/Unlimited Tidak terbatas/Unlimited
PT Bank CIMB Niaga Tbk (dapat Rp 2,000,000 26 September 2014 – Rp 2,000,000 26 September 2014 –
ditukar dengan Syariah/ 30 Juni/June 2025 30 Juni/June 2024
interchangeable with Sharia)
PT Bank OCBC NISP Tbk Rp 1,000,000 31 Juli/July 2023 – - -
30 Oktober/October 2026
PT Bank Commonwealth - - Rp 1,000,000 31 Juli/July 2023 –
30 Oktober/October 2026
PT Astra Welab Digital Arta Rp 1,000,000 7 Juli/July 2020 – Rp 1,000,000 7 Juli/July 2020 –
Automatic renewal 7 Juli/July 2024
PT Bank Jasa Jakarta Rp 500,000 13 Desember/ Rp 500,000 13 Desember/
December 2023 – December 2023 –
13 Desember/ 13 Desember/
December 2026 December 2024
PT Astra Sedaya Finance Rp 300,000 2 Januari/January 2013 – Rp 300,000 2 Januari/January 2013 –
Automatic renewal 2 Januari/January 2024
PT Astra Multi Finance Rp 300,000 29 September 2020 – Rp 300,000 29 September 2020 –
Automatic renewal 29 September 2025
Dalam perjanjian kerjasama pembiayaan In these joint financing without recourse
bersama without recourse tersebut, porsi fasilitas arrangements, the portion of each parties in 2024
pembiayaan yang akan diberikan untuk and 2023 range from 1% - 10% from the
konsumen pada tahun 2024 dan 2023 adalah Company and 90% - 99% from the co-financing
berkisar 1% - 10% dari Perseroan dan 90% - parties.
99% dari pemberi pembiayaan bersama.
Dalam hal pembiayaan bersama without In these joint financing arrangements without
recourse, Perseroan akan bertindak sebagai recourse, the Company will act as credit provider
pemberi kredit kepada konsumen yang extend credit to customers who meet certain
memenuhi kriteria tertentu yang tertera dalam criteria as set out in the agreements. The
perjanjian. Perseroan bertanggung jawab untuk Company is responsible for maintaining the
mengelola dokumentasi dan administrasi setiap customers’ documentation and loan
konsumen. administration.
Dalam pembiayaan bersama without recourse, In joint financing arrangements without recourse,
Perseroan tidak memiliki kewajiban untuk the Company is not obliged to pay installments
membayar atau menyetor angsuran pokok including interest to joint financing providers in the
termasuk bunga kepada pemberi pembiayaan event customers fail to meet their installment
bersama jika konsumen gagal melakukan obligation to the Company.
pembayaran angsurannya kepada Perseroan.
Pembiayaan syariah Sharia financing
Perseroan mengadakan perjanjian pembiayaan The Company has entered into sharia joint
bersama secara syariah dengan PT Bank financing agreements with PT Bank Permata Tbk
Permata Tbk (unit usaha syariah) dan PT Bank (sharia business unit) and PT Bank CIMB Niaga
CIMB Niaga Tbk (unit usaha syariah). Tbk (sharia business unit).
Halaman - 5/103 - Page
Page 486
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERJANJIAN KERJASAMA YANG SIGNIFIKAN 27. SIGNIFICANT COOPERATION AGREEMENTS
(lanjutan) (continued)
a. Pembiayaan bersama (lanjutan) a. Joint financing (continued)
Pembiayaan syariah (lanjutan) Sharia financing (continued)
Dalam hal secara syariah di mana Perseroan In sharia where the Company acts as the
bertindak sebagai manajer PT Bank Permata manager of PT Bank Permata Tbk (sharia
Tbk (unit usaha syariah) dan PT Bank CIMB business unit) and PT Bank CIMB Niaga Tbk
Niaga Tbk (unit usaha syariah) untuk proses (sharia business unit) to underwrite, approve,
aplikasi, persetujuan, penagihan dan collect and maintain administration matters on
pengurusan dokumen administrasi pembiayaan sharia consumer financing. The Company bears
syariah dengan konsumen. Perseroan tidak no credit risks if customers fail to meet their
menanggung risiko kredit jika konsumen gagal installment obligation to the Company. From this
melakukan pembayaran angsuran utangnya. service, the Company earns the excess of margin
Atas jasa ini, Perseroan menerima selisih margin between the margin received from customers and
antara margin yang dibebankan kepada paid to PT Bank Permata Tbk (sharia business
konsumen dengan margin yang dibayarkan unit) and PT Bank CIMB Niaga Tbk (sharia
kepada PT Bank Permata Tbk (unit usaha business unit).
syariah) dan PT Bank CIMB Niaga Tbk (unit
usaha syariah).
Di samping itu, dalam perjanjian pembiayaan In addition, in sharia joint financing without
bersama secara Syariah dengan PT Bank recourse arrangements with PT Bank Permata
Permata Tbk (unit usaha syariah) dan PT Bank Tbk (sharia business unit) Syariah and PT Bank
CIMB Niaga Tbk (unit usaha syariah) porsi CIMB Niaga Tbk (sharia business unit) the
fasilitas pembiayaan yang diberikan untuk portion of each party ranges from 1% - 10% from
konsumen adalah berkisar 1% - 10% dari the Company and 90% - 99% from the co-
Perseroan dan 90% - 99% dari pemberi financing parties. In these sharia joint financing
pembiayaan bersama. Dalam hal ini, Perseroan without recourse, the Company will grant credit
akan bertindak sebagai pemberi fasilitas to customers who meet certain criteria as set out
pembiayaan kepada konsumen yang memenuhi in the agreements and responsible for
kriteria tertentu yang tertera dalam perjanjian dan maintaining the customers’ documentation and
bertanggung jawab untuk mengelola loan administration.
dokumentasi dan administrasi setiap konsumen.
Perseroan tidak memiliki kewajiban untuk The Company is not obliged to pay installments
membayar atau menyetor angsuran pokok including margin to joint financing providers in
termasuk bunga kepada pemberi pembiayaan the event customers fail to meet their installment
bersama jika konsumen gagal melakukan obligation to the Company.
pembayaran angsurannya kepada Perseroan.
31 Desember/December 2024 31 Desember/December 2023
Fasilitas Fasilitas
maksimum maksimum
pembiayaan/ pembiayaan/
Pemberi pembiayaan bersama/ Maximum Periode/ Maximum Periode/
Joint financing provider financing facility Period financing facility Period
PT Bank Permata Tbk (unit usaha 19 September 2018 - 19 September 2018 -
syariah/sharia business unit) Rp 3,000,000 Tidak terbatas/Unlimited Rp 3,000,000 Tidak terbatas/Unlimited
Pada tanggal 31 Desember 2024, saldo piutang As at 31 December 2024, the outstanding sharia
pembiayaan syariah yang dikelola oleh financing receivables managed by the Company
Perseroan adalah Rp 2.947.607 (2023: is Rp 2,947,607 (2023: Rp 2,202,939).
Rp 2.202.939).
b. Penyalur kendaraan b. Dealers
Perseroan mengadakan perjanjian kerjasama The Company has entered into cooperation
dengan beberapa penyalur kendaraan. agreements with dealers of vehicles. Approved
Pembiayaan konsumen yang telah disetujui consumer financing that has not yet been paid to
namun belum dibayarkan kepada penyalur various dealers are recorded as dealer payables.
kendaraan dicatat sebagai utang kepada
penyalur kendaraan.
Halaman - 5/104 - Page
Page 487
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERJANJIAN KERJASAMA YANG SIGNIFIKAN 27. SIGNIFICANT COOPERATION AGREEMENTS
(lanjutan) (continued)
c. Asuransi c. Insurance
Perseroan mengadakan perjanjian kerjasama The Company has entered into cooperation
dengan PT Asuransi Astra Buana dalam rangka agreement with PT Asuransi Astra Buana to
penyediaan asuransi perlindungan kredit dan provide credit shield and insurance coverage of
penutupan asuransi kendaraan bermotor yang financed vehicles. The Company insures
dibiayai. Perseroan melakukan penutupan vehicles for the interest of the Company in its
asuransi atas kendaraan bermotor demi capacity as financing provider. Insurance
kepentingan Perseroan dalam kapasitasnya premium payments received from customers that
sebagai penyedia pembiayaan. Pembayaran have not yet been paid to insurance Company is
premi asuransi yang telah diterima dari recorded as insurance premium payable.
konsumen namun belum dibayarkan kepada
perusahaan asuransi dicatat sebagai utang
premi asuransi.
28. INFORMASI SEGMEN 28. SEGMENT INFORMATION
Segmen operasi Perseroan dibagi berdasarkan The Company operating segments are divided based
produk usaha, sebagai berikut: kendaraan bermotor, on the business product, as follows: motor vehicle,
elektronik dan lain-lain. electronic and others.
Ringkasan berikut menjelaskan operasi masing- The following summary describes the operations in
masing segmen dalam pelaporan segmen each of the Company's reportable segments:
Perseroan:
• Kendaraan bermotor • Motor vehicle
Termasuk dalam pelaporan segmen kendaraan Included in the motor vehicle segment reporting
bermotor adalah seluruh indikator penilaian are all operating segments assessment
segmen operasi yang secara nyata dapat indicators that can be attributed as a part of
diatribusikan sebagai bagian dari pembiayaan motorcycle and car financing.
sepeda motor dan mobil.
• Elektronik • Electronic
Termasuk dalam pelaporan segmen elektronik Included in the electronic segment reporting are
adalah seluruh indikator penilaian segmen all operating segments assessment indicators
operasi yang secara nyata dapat diatribusikan that can be attributed as a part of electronic
sebagai bagian dari pembiayaan elektronik. financing.
• Lain-lain • Others
Termasuk dalam pelaporan segmen lain-lain Included in the other segment reporting are
adalah informasi pelaporan segmen operasi operating segment reporting information
terkait dengan aktivitas treasuri yang terpusat di associated with centralised treasury operations
kantor pusat dalam bentuk pinjaman, surat in the form of borrowings, securities issued and
berharga yang diterbitkan dan juga aktivitas also head office activities such as operating
kantor pusat seperti beban usaha, penyusutan expenses, depreciation expense, income tax
aset tetap, beban pajak penghasilan yang tidak expense that can not be allocated.
dapat dialokasikan.
Informasi mengenai hasil dari masing-masing bisnis Information regarding the results of each reportable
segmen disajikan di bawah ini. Kinerja diukur segment is presented below. Performance is
berdasarkan beberapa indikator, seperti piutang, measured based on several indicators, such as
pendapatan dan beban usaha yang dihasilkan oleh receivables, revenue and expenditures generated
segmen-segmen tersebut sebagaimana dilaporkan incurred by those segments as included in the
dalam laporan internal manajemen yang direviu oleh internal management reports that are reviewed by the
Manajemen Perseroan. Manajemen berkeyakinan Company's Management. Management believes that
bahwa informasi tersebut paling relevan dalam such information is most relevant in evaluating the
mengevaluasi kinerja segmen tersebut relatif performance of those segments relative to other
terhadap entitas lain yang beroperasi dalam industri entities that operate within this industry.
tersebut.
Halaman - 5/105 - Page
Page 488
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
28. INFORMASI SEGMEN (lanjutan) 28. SEGMENT INFORMATION (continued)
Bentuk pelaporan - berdasarkan segmen operasi Reporting format - operating segments
31 Desember/December 2024
Kendaraan
bermotor/ Elektronik/ Lain-lain/ Jumlah/
Motor vehicle Electronic Others Total
Penghasilan Income
Pembiayaan konsumen 9,139,975 64,770 294,352 9,499,097 Consumer financing
Penghasilan dari ijarah 2,303,656 - 146,089 2,449,745 Income from ijarah
Bunga dan denda 149,552 1,671 30,571 181,794 Interest and penalty
Penghasilan lain-lain 12,712 2,669 7,887 23,268 Other income
Jumlah penghasilan 11,605,895 69,110 478,899 12,153,904 Total income
Beban Expenses
Beban usaha - - (2,945,353) (2,945,353) Operating expenses
Interest and
Beban bunga dan keuangan - - (2,095,510) (2,095,510) financing charges
Penyisihan kerugian Allowance for
penurunan nilai (842,331) (9,043) (206,717) (1,058,091) impairment losses
Loss from investment in
Rugi entitas asosiasi - - (20,282) (20,282) associate
Beban penurunan nilai
lain-lain (350,828) (6,306) (6,147) (363,281) Other impairment charges
Jumlah beban (1,193,159) (15,349) (5,274,009) (6,482,517) Total expenses
LABA SEBELUM PAJAK PROFIT BEFORE
PENGHASILAN 10,412,736 53,761 (4,795,110) 5,671,387 INCOME TAX
BEBAN PAJAK
PENGHASILAN - - (1,255,853) (1,225,853) INCOME TAX EXPENSE
LABA BERSIH 10,412,736 53,761 (6,050,963) 4,415,534 NET INCOME
JUMLAH ASET 41,434,521 210,781 4,035,909 45,681,211 TOTAL ASSETS
JUMLAH LIABILITAS - - 33,505,498 33,505,498 TOTAL LIABILITIES
31 Desember/December 2023
Kendaraan
bermotor/ Elektronik/ Lain-lain/ Jumlah/
Motor vehicle Electronic Others Total
PENGHASILAN INCOME
Penghasilan pembiayaan
konsumen 8,719,614 140,594 154,514 9,014,722 Consumer financing income
Penghasilan dari ijarah - bersih 1,097,340 - 91,483 1,188,823 Income from ijarah - net
Penghasilan bunga dan denda 161,582 2,774 31,941 196,297 Interest and penalty income
Penghasilan lain-lain 10,634 1,637 4,371 16,642 Other income
Jumlah penghasilan 9,989,170 145,005 282,309 10,416,484 Total income
BEBAN EXPENSES
Beban usaha - - (2,496,902) (2,496,902) Operating expenses
Interest and
Beban bunga dan keuangan - - (1,579,495) (1,579,495) financing charges
Penyisihan kerugian penurunan Allowance for impairment
nilai pembiayaan konsumen (732,418) (13,497) (64,223) (810,138) losses of consumer financing
Loss from investment in
Rugi entitas asosiasi - - (20,605) (20,605) associate
Beban penurunan nilai
lain-lain (219,873) (12,751) (3,267) (235,891) Other impairment charges
Jumlah beban (952,291) (26,248) (4,164,492) (5,143,031) Total expenses
LABA SEBELUM PAJAK PROFIT BEFORE
PENGHASILAN 9,036,879 118,757 (3,882,183) 5,273,453 INCOME TAX
BEBAN PAJAK
PENGHASILAN - - (1,166,062) (1,166,062) INCOME TAX EXPENSE
LABA BERSIH 9,036,879 118,757 (5,048,245) 4,107,391 NET INCOME
JUMLAH ASET 35,179,842 222,942 3,766,110 39,168,894 TOTAL ASSETS
JUMLAH LIABILITAS - - 27,877,838 27,877,838 TOTAL LIABILITIES
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
28. INFORMASI SEGMEN (lanjutan) 28. SEGMENT INFORMATION (continued)
Bentuk pelaporan - berdasarkan segmen Reporting format - geographical segments
geografis
Segmen berdasarkan geografis terdiri dari Geographical segment consists of 250 branches
250 cabang (2023: 248 kantor cabang) (tidak diaudit) (2023: 248 branches) (unaudited) that are located
yang terbagi menjadi 8 area yaitu Jabodetabek, into 8 areas, namely Jabodetabek, West Java,
Jawa Barat, Jawa Tengah, Jawa Timur, Sumatera, Central Java, East Java, Sumatera, Kalimantan,
Kalimantan, Sulawesi, Maluku, Papua, serta Bali, Sulawesi, Maluku, Papua, as well as Bali, NTT and
NTT dan NTB. NTB.
Informasi berdasarkan segmen geografis adalah Information concerning geographical segments are
sebagai berikut: as follows:
2024 2023
Jumlah Penghasilan Total Income
- Area Sumatera 2,721,349 2,455,340 Sumatera area -
- Area Jabodetabek 2,542,021 2,374,210 Jabodetabek area -
- Area Jawa Timur 1,308,742 1,183,789 East Java area -
- Area Kalimantan 1,250,687 1,067,539 Kalimantan area -
- Area Jawa Tengah 1,267,316 1,009,211 Central Java area -
- Area Sulawesi, Maluku dan Papua 1,296,074 959,921 Sulawesi, Maluku and Papua area -
- Area Jawa Barat 1,011,664 745,404 West Java area -
- Area Bali, NTT dan NTB 756,051 621,070 Bali, NTT and NTB area -
Jumlah penghasilan 12,153,904 10,416,484 Total income
2024 2023
Jumlah Aset Assets
- Area Sumatera 10,002,771 9,053,891 Sumatera area -
- Area Jabodetabek 8,956,552 8,297,872 Jabodetabek area -
- Area Jawa Timur 5,007,630 4,524,211 East Java area -
- Area Kalimantan 4,649,999 4,090,831 Kalimantan area -
- Area Jawa Tengah 4,943,440 4,085,094 Central Java area -
- Area Jawa Barat 4,332,021 3,466,910 West Java area -
- Area Sulawesi, Maluku, dan Papua 3,851,139 2,858,724 Sulawesi, Maluku and Papua area -
- Area Bali, NTT dan NTB 3,139,175 2,590,561 Bali, NTT and NTB area -
Jumlah aset 44,882,727 38,968,094 Total assets
Ditambah: Addition:
Aset yang diperoleh untuk ijarah - bersih 3,681,599 3,064,456 Asset acquired for ijarah - net
Dikurangi: Less:
Penyisihan kerugian penurunan nilai (2,883,115) (2,863,656) Allowance for impairment losses
Jumlah aset 45,681,211 39,168,894 Total assets
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
29. LABA PER SAHAM DASAR 29. BASIC EARNING PER SHARE
Laba bersih per saham dasar dihitung dengan Basic earnings per share is calculated by dividing the
membagi laba bersih yang tersedia bagi pemegang net income attributable to shareholders by the
saham dengan rata-rata tertimbang jumlah saham weighted average number of ordinary shares
biasa yang beredar pada tahun bersangkutan: outstanding during the year:
2024 2023
Laba bersih 4,415,534 4,107,391 Net income
Jumlah rata-rata tertimbang Weighted average number of
saham biasa yang beredar ordinary shares outstanding
(dalam jutaan lembar) 280 280 (in million shares)
Laba bersih per saham Basic earnings
dasar (Rupiah penuh) 15,770 14,669 per share (full Rupiah amount)
Perseroan tidak memiliki instrumen yang The Company does not have instrument that gives
memberikan dampak efek dilusi pada laba per impact of dilution effect on basic earning per share.
saham dasar.
30. MANAJEMEN RISIKO KEUANGAN 30. FINANCIAL RISK MANAGEMENT
Aktivitas Perseroan mengandung berbagai macam The Company activities are exposed to several
risiko keuangan seperti risiko nilai tukar mata uang financial risks such as foreign exchange risk, credit
asing, risiko kredit, risiko tingkat bunga dan risiko risk, interest rate risk and liquidity risk. The Company
likuiditas. Secara keseluruhan, program manajemen overall risk management program focuses to mitigate
risiko keuangan Perseroan terfokus untuk the volatility of financial markets and to minimise
menghadapi ketidakpastian pasar uang dan potential adverse effects on the Company financial
meminimalisasi potensi kerugian yang berdampak performance.
pada kinerja keuangan Perseroan.
Manajemen risiko merupakan tanggung jawab Risk management is the responsibility of the Board of
Direksi yang bertugas menentukan prinsip dasar Directors to determine the basic principles of the
kebijakan manajemen risiko secara keseluruhan. overall risk management policy.
(i) Risiko nilai tukar mata uang asing (i) Foreign exchange risk
Perseroan menyadari adanya risiko nilai tukar The Company is aware of foreign exchange risk
mata uang asing yang terjadi akibat fluktuasi due to fluctuation of Rupiah against US Dollar
mata uang Rupiah terhadap Dolar AS serta and interest rate fluctuation hence the Company
fluktuasi suku bunga sehingga Perseroan entered into cross currency swap to hedge the
melakukan transaksi cross currency swap foreign exchange Loans’ principles and interest
dengan tujuan melakukan aktivitas lindung nilai from foreign exchange floating rate to Rupiah
atas ketidakpastian suku bunga dan mata uang fixed rate.
asing yang timbul dari arus kas pokok dan
bunga pinjaman.
31 Desember/December 2024 31 Desember/December 2023
Rupiah Rupiah
Mata uang asing/ ekuivalen/ Mata uang asing/ ekuivalen/
Foreign currencies Equivalent Foreign currencies Equivalent
(nilai penuh/ (dalam jutaan/ (nilai penuh/ (dalam jutaan/
full amount) In millions) full amount) In millions)
Aset Assets
Dolar AS/ Dolar AS/
Kas dan setara kas US Dollar 9,153 148 US Dollar 10,374 161 Cash and cash equivalents
Liabilitas Liabilities
Dolar AS/ Dolar AS/
Pinjaman US Dollar (389,166,667) (6,289,712) US Dollar (293,500,000) (4,524,596) Borrowings
Dikurangi: Less:
Dolar AS/ Dolar AS/
Lindung nilai US Dollar 389,166,667 6,289,712 US Dollar 293,500,000 4,524,596 Hedging
Aset bersih 9,153 148 10,374 161 Net asset
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(i) Risiko nilai tukar mata uang asing (lanjutan) (i) Foreign exchange risk (continued)
Pada tanggal 31 Desember 2024, Perseroan As at 31 December 2024, the Company has
telah melakukan lindung nilai terhadap liabilitas hedged all of its liabilities denominated in foreign
dalam mata uang asing (nilai penuh) sebesar currency (full amount) of US Dollar 389,166,667
Dolar AS 389.166.667 (2023: Dolar AS (2023: US Dollar 293,500,000) (refer to Note
293.500.000) (lihat Catatan 16). 16).
Manajemen berpendapat bahwa dampak Management is in the opinion that the impact
terhadap risiko mata uang asing tidak signifikan due to foreign exchange rates fluctuation is not
dikarenakan seluruh liabilitas dalam mata uang significant since all of the liabilities denominated
asing telah dilakukan lindung nilai. in foreign currency are already hedged.
(ii) Risiko kredit (ii) Credit risk
Perseroan menghadapi risiko kredit, yaitu The Company is exposed to credit risk from the
ketidakmampuan konsumen untuk membayar. defaulting consumers. The Company applies
Perseroan menerapkan kebijakan pemberian prudent financing policies, performs ongoing
pembiayaan berdasarkan prinsip kehati-hatian, credit portfolio monitoring as well as manages
melakukan pengawasan portofolio kredit secara the collection of consumer financing receivables
berkesinambungan dan melakukan pengelolaan in order to minimise credit risk exposure.
atas penagihan angsuran untuk meminimalisasi
risiko kredit.
Sebagai jaminan atas piutang pembiayaan As collateral of consumer financing receivables,
konsumen, Perseroan menerima jaminan dari the Company obtained collateral from customers
konsumen berupa Bukti Pemilikan Kendaraan in the form of the Certificate of Ownership
Bermotor (“BPKB”) atas kendaraan bermotor (“BPKB”) of the vehicle financed by the
yang dibiayai Perseroan. Company.
Sebagai jaminan atas piutang pembiayaan As collateral of consumer financing receivables
konsumen untuk modal usaha, Perseroan for working capital, the Company obtained
menerima jaminan dari konsumen berupa Bukti collateral from customers in the form of the
Pemilikan Kendaraan Bermotor (“BPKB”) atau Certificate of Ownership (“BPKB”) or Freehold
Sertifikat Hak Milik (“SHM”) yang dimiliki oleh Title (“SHM”) owned by the customer.
konsumen.
Manajemen yakin akan kemampuan Perseroan Management is confident in its ability to control
untuk mengendalikan dan memelihara eksposur and sustain minimal exposure of credit risk to the
risiko kredit pada tingkat yang minimum Company based on the following:
berdasarkan hal-hal sebagai berikut:
- Perseroan telah membentuk penyisihan - The Company has set sufficient allowance for
kerugian penurunan nilai untuk menutupi impairment losses to cover incurred losses
kemungkinan kerugian atas tidak tertagihnya arising from uncollectible receivables based
piutang tersebut berdasarkan kerugian kredit on expected credit loss.
ekspektasian.
- Piutang pembiayaan konsumen dan piutang - Consumer financing receivables and other
lain-lain, yang merupakan portofolio terbesar, receivables, which represent the largest
dilindungi dengan jaminan. portfolio, are secured by collaterals.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(ii) Risiko kredit (lanjutan) (ii) Credit risk (continued)
Dalam hal terdapat keraguan terhadap Where there is doubt on the ability of the
kemampuan nasabah untuk melakukan borrowers to meet contractual payments when
pembayaran kontraktual pada saat jatuh tempo, due, the terms of the receivables might be
persyaratan piutang dapat dinegosiasikan renegotiated based on mutual agreement
kembali berdasarkan kesepakatan antara between the Company and the customers.
Perseroan dan konsumen.
Asumsi dan pertimbangan utama dalam Key assumptions and judgements in
menentukan kerugian kredit ekspektasian determining expected credit loss
Lifetime Lifetime
Kerugian kredit ekspektasian diestimasikan Expected credit loss is estimated based on the
berdasarkan periode dimana Perseroan period over which the Company is exposed to
terpapar pada risiko kredit dimana hal ini sama credit risk of which this equates to the
dengan periode kontrak. contractual period.
Variabel Makroekonomi (“MEV”) Macroeconomic Variable (“MEV”)
Lingkungan ekonomi yang berkembang adalah The developing economic environment is the
penentu utama dari kemampuan nasabah untuk key determinant of the ability of customer to
memenuhi kewajiban mereka saat jatuh tempo. meet their obligations as they fall due. It is a
Ini adalah prinsip dasar PSAK 109 bahwa fundamental principle of SFAS 109 that the
potensi kerugian kredit di masa depan harus potential future credit losses should depend not
bergantung tidak hanya pada kesehatan just on the health of the economy today, but
ekonomi saat ini, tetapi juga harus should also take into account potential changes
memperhitungkan kemungkinan perubahan to the economic environment. For example, if
pada lingkungan ekonomi. Misalnya, jika the Company was to anticipate a sharp
Perseroan mengantisipasi perlambatan tajam slowdown in the world economy, Company
dalam ekonomi dunia, Perseroan harus should make more provisions today to absorb
membentuk lebih banyak cadangan hari ini the credit losses likely to occur in the near
untuk menyerap kerugian kredit yang future.
kemungkinan akan terjadi dalam waktu dekat.
Untuk menangkap efek perubahan pada To capture the effect of changes to the
lingkungan ekonomi, model PD digunakan untuk economic environment, PD model is used to
menghitung kerugian kredit ekspektasian, calculate expected credit loss, by incorporating
dengan memasukkan informasi forward looking forward looking information in the form of
dalam bentuk perkiraan nilai-nilai variabel forecasts of the values of economic variables
ekonomi yang kemungkinan akan berdampak that are likely to have an effect on the
pada kemampuan pembayaran kembali repayment ability of the customer.
konsumen.
Berbagai MEV digunakan untuk setiap model Various of MEVs are used for each PD model,
PD, tergantung pada hasil analisis statistik depending on the statistical analysis result of
kesesuaian MEV dengan PD serta konsensus appropriateness of the MEV with PD as well as
dari pakar kredit. Dalam menghitung kerugian consensus from credit expert. In calculating
kredit ekspektasian, Perseroan menggunakan expected credit loss, the Company uses MEV of
MEV indeks ketersediaan lapangan kerja dan job availability index and current economic
indeks kondisi ekonomi saat ini (2023: tingkat condition index (2023: unemployment rate and
pengangguran dan indeks pembelian barang durable goods purchasing index).
tahan lama).
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(ii) Risiko kredit (lanjutan) (ii) Credit risk (continued)
Sensitivitas MEV terhadap ECL Sensitivity of MEV to ECL
Perhitungan cadangan kerugian penurunan nilai The Expected Credit Loss (“ECL”) calculation
(“ECL”) bergantung pada beberapa variabel dan relies on multiple variables and is inherently
pada dasarnya tidak linier dan tergantung pada non-linear and portfolio-dependent, which
portofolio, yang menyiratkan bahwa tidak ada implies that no single analysis can fully
analisis tunggal yang dapat sepenuhnya demonstrate the sensitivity of the expected
menunjukkan sensitivitas kerugian kredit credit loss to changes in the MEVs. The
ekspektasian terhadap perubahan dalam MEV. Company believes that sensitivity should be
Perseroan berkeyakinan bahwa sensitivitas performed to all variables, instead of single
harus dilakukan terhadap seluruh variabel, variable, as this aligns with the multi-variable
bukan hanya variabel tunggal, karena hal ini nature of the ECL calculation.
sejalan dengan sifat multi-variabel dari
perhitungan ECL.
Eksposur maksimum risiko kredit Maximum exposure to credit risk
Eksposur maksimum risiko kredit terhadap aset Credit risk exposures relating to assets
pada laporan posisi keuangan (bersih setelah in statements of financial position’s (net after
penyisihan kerugian penurunan nilai), tanpa allowance for impairment losses), without
memperhitungkan agunan, pada tanggal considering collateral, as of 31 December 2024
31 Desember 2024 dan 2023 adalah sebagai and 2023 are as follows:
berikut:
Eksposur maksimum/
Maximum exposure
2024 2023
Laporan posisi keuangan: Statements of financial position:
Bank 233,532 559,405 Cash in banks
Piutang pembiayaan Consumer financing
konsumen - bersih 39,902,300 33,793,190 receivables - net
Piutang lain-lain - bersih*) 207,053 110,693 Other receivables – net *)
Jumlah 40,342,885 34,463,288 Total
*) Terdiri dari piutang asuransi kredit, pembayaran konsumen Consists of credit insurance receivable, settlement of debtors’ payment*)
melalui payment channel, pinjaman karyawan dan manajemen kunci, through payment channel, employee and key management loans,
dan lain-lain. and others.
Tabel di atas merupakan eksposur maksimum The above table represents a maximum credit
atas risiko kredit bagi Perseroan pada tanggal risk exposure to the Company as at
31 Desember 2024 dan 2023 tanpa 31 December 2024 and 2023 without taking into
memperhitungkan jaminan yang dikuasai oleh account the collaterals held. The exposures set
Perseroan terhadap aset tersebut. Eksposur di out above are based on net carrying amounts
atas berdasarkan nilai tercatat bersih sebelum before allowance for impairment losses and
penyisihan kerugian penurunan nilai dan other impairment losses as reported in the
penyisihan nilai lainnya sebagaimana dilaporkan statements of financial position.
di laporan posisi keuangan.
Seperti yang telah dijelaskan di atas, jumlah As outlined above, the total maximum exposure
eksposur maksimum berasal dari piutang is derived from consumer financing receivables.
pembiayaan konsumen.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(ii) Risiko kredit (lanjutan) (ii) Credit risk (continued)
Eksposur maksimum risiko kredit (lanjutan) Maximum exposure to credit risk (continued)
Manajemen yakin akan kemampuan Perseroan Management is confident in its ability to control
untuk mengendalikan dan memelihara eksposur and sustain minimal exposure of credit risk to the
risiko kredit pada tingkat yang minimum Company based on the following:
berdasarkan hal-hal sebagai berikut:
- Perseroan telah membentuk penyisihan - The Company have set sufficient allowance
kerugian penurunan nilai untuk menutupi for impairment losses to cover incurred
kemungkinan kerugian atas tidak tertagihnya losses arising from uncollectible receivables
piutang tersebut berdasarkan data historis based on historical loss.
kerugian yang ada.
- Piutang pembiayaan konsumen - bersih, - Consumer financing receivables - net, which
yang merupakan portofolio terbesar, represent the biggest portfolio, are secured
dilindungi dengan jaminan. by collaterals.
Kualitas kredit dari aset keuangan Credit quality of financial assets
Pada tanggal 31 Desember 2024 dan 2023, As at 31 December 2024 and 2023, credit quality
kualitas kredit atas aset keuangan terbagi atas: of financial assets are divided as follows:
31 Desember/December 2024
Jumlah/
Stage 1 Stage 2 Stage 3 Total
ASET ASSETS
Bank 233,532 - - 233,532 Cash in banks
Piutang pembiayaan Consumer financing
konsumen 22,522,850 19,759,828 502,737 42,785,415 receivables
Piutang lain-lain*) 207,053 - - 207,053 Other receivables*)
Jumlah aset 22,963,435 19,759,828 502,737 43,226,000 Total assets
Dikurangi: Less:
Penyisihan kerugian Allowance for
Penurunan nilai (2,883,115) impairment losses
40,342,885
31 Desember/December 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
ASET ASSETS
Bank 559,405 - - 559,405 Cash in banks
Piutang pembiayaan Consumer financing
konsumen 20,746,167 15,513,870 358,833 36,618,870 receivables
Piutang lain-lain*) 110,693 - - 110,693 Other receivables*)
Jumlah aset 21,416,265 15,513,870 358,833 37,288,968 Total assets
Dikurangi: Less:
Penyisihan kerugian Allowance for
Penurunan nilai (2,825,680) impairment losses
34,463,288
*) Terdiri dari piutang asuransi kredit, pembayaran konsumen Consists of credit insurance receivable, settlement of debtors’ payment *)
melalui payment channel, pinjaman karyawan dan manajemen kunci, through payment channel, employee and key management loans,
dan lain-lain. and others.
Perseroan mengklasifikasikan piutang The Company classified consumer financing
pembiayaan konsumen sebagai mengalami receivables as impaired when they are overdue
penurunan nilai ketika piutang tersebut telah more than 90 days. The calculation of allowance
menunggak lebih dari 90 hari. Perhitungan for impairment losses is reformed collectively.
penyisihan kerugian penurunan nilai dilakukan
secara kolektif.
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(ii) Risiko kredit (lanjutan) (ii) Credit risk (continued)
Kualitas kredit dari aset keuangan (lanjutan) Credit quality of financial assets (continued)
Pada tanggal 31 Desember 2024 dan 2023 The quality of consumer financing receivables
rincian kualitas piutang pembiayaan konsumen that are stage 1 and “neither past due nor
yang diberikan stage 1 dan ”yang belum jatuh impaired” as at 31 December 2024 and 2023 can
tempo atau tidak mengalami penurunan nilai” be assessed based on internal monitoring as
berdasarkan pengelolaan internal sebagai follows:
berikut:
31 Desember/December 2024
Pernah
mengalami
keterlambatan
pembayaran/
Baik/ Has an overdue Jumlah/
Good history Total
Kendaraan bermotor baru 19,405,045 - 19,405,045 New motor vehicle
Kendaraan bermotor bekas 2,978,557 - 2,978,557 Used motor vehicle
Elektronik 139,245 - 139,245 Electronic
22,522,847 - 22,522,847
31 Desember/December 2023
Pernah
mengalami
keterlambatan
pembayaran/
Baik/ Has an overdue Jumlah/
Good history Total
Kendaraan bermotor baru 15,463,719 1,037,351 16,501,070 New motor vehicle
Kendaraan bermotor bekas 3,320,369 524,538 3,844,907 Used motor vehicle
Elektronik 372,973 27,217 400,190 Electronic
19,157,061 1,589,106 20,746,167
Penjelasan pembagian rincian kualitas piutang Details for credit quality of consumer financing
pembiayaan konsumen yang belum jatuh tempo receivables “neither past due nor impaired” are
atau tidak mengalami penurunan nilai adalah: as follows:
- Baik - Good
Kategori ini dianggap memiliki kemampuan This category is considered as having strong
yang kuat untuk membayar bunga dan capacity to pay interest and principal of
pokok piutang pembiayaan konsumen consumer financing receivables to the
kepada Perseroan. Company.
- Pernah mengalami keterlambatan - Has an overdue history
pembayaran
Kategori ini dianggap memiliki kemampuan This category is considered to have adequate
yang memadai untuk membayar bunga dan capacity to pay interest and principal of
pokok piutang pembiayaan konsumen consumer financing receivables to the
kepada Perseroan. Namun, terdapat Company. However, there are considerations
pertimbangan terkait dengan kemampuan related to the customer's ability to make
nasabah dalam melakukan pembayaran payments at maturity due to having
pada saat jatuh tempo dikarenakan pernah experienced late payments.
mengalami keterlambatan pembayaran.
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Page 496
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(ii) Risiko kredit (lanjutan) (ii) Credit risk (continued)
Kualitas kredit dari aset keuangan (lanjutan) Credit quality of financial assets (continued)
Selain piutang pembiayaan konsumen, kualitas Quality of financial assets other than consumer
kredit atas aset keuangan lainnya dikategorikan financing receivables is categorised as good.
sebagai baik.
Analisis umur piutang pembiayaan (porsi pokok) An aging (principal portion) analysis of consumer
konsumen yang diberikan pada stage 2 dan financing receivables that are on stage 2 and
“yang telah jatuh tempo tetapi tidak mengalami “past due but not impaired” on 31 December
penurunan nilai” pada tanggal 31 Desember 2024 and 2023 is set out below:
2024 dan 2023 adalah sebagai berikut:
31 Desember/December 2024
Motor Baru/ Motor Bekas/ Elektronik/
New Motorcycles Used Motorcycles Electronic Jumlah/Total
0 - 30 hari 15,251,010 3,182,149 84,610 18,517,769 0 - 30 days
31 - 60 hari 725,292 153,602 9,614 888,508 31 - 60 days
61 - 90 hari 288,399 58,598 6,555 353,552 61 - 90 days
16,264,701 3,394,349 100,779 19,759,829
31 Desember/December 2023
Motor Baru/ Motor Bekas/ Elektronik/
New Motorcycles Used Motorcycles Electronic Jumlah/Total
0 - 30 hari 9,477,953 4,712,116 349,898 14,539,967 0 - 30 days
31 - 60 hari 457,699 228,676 18,006 704,381 31 - 60 days
61 - 90 hari 195,178 67,531 6,813 269,522 61 - 90 days
10,130,831 5,008,324 374,718 15,513,870
Perubahan pada penyisihan kerugian Movements of the allowance for impairment
penurunan nilai adalah sebagai berikut: losses are as follows:
31 Desember/December 2024
Kendaraan Kendaraan
Bermotor Baru/ Bermotor Bekas Elektronik/
New Motor vehicle Used Motor Vehicle Electronic Jumlah/Total
Saldo awal 2,223,461 437,411 164,808 2,825,680 Beginning balance
Penambahan 664,732 177,629 215,729 1,058,090 Additions
Penghapusan piutang (864,677) (293,721) (197,719) (1,356,117) Written-off
Penerimaan penghapusan Recovery from
piutang 186,002 150,977 18,484 355,463 written-off receivables
Saldo akhir 2,209,518 472,296 201,302 2,883,116 Ending balance
31 Desember/December 2023
Kendaraan Kendaraan
Bermotor Baru/ Bermotor Bekas Elektronik/
New Motor vehicle Used Motor Vehicle Electronic Jumlah/Total
Saldo awal 2,425,216 421,519 97,276 2,944,011 Beginning balance
Penambahan 530,593 213,736 65,809 810,138 Additions
Penghapusan piutang (919,376) (335,576) (5,762) (1,260,714) Written-off
Penerimaan penghapusan Recovery from
piutang 187,028 137,732 7,485 332,245 written-off receivables
Saldo akhir 2,223,461 437,411 164,808 2,825,680 Ending balance
Debitur-debitur dipantau dan dianalisis Debtors are monitored and analised based on
berdasarkan hari tunggakan (days past due) days past due and qualitative criteria as
dan kriteria kualitatif sebagaimana dijelaskan explained in Note 2d(iv).
pada Catatan 2d(iv).
Halaman - 5/114 - Page
Page 497
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(iii) Risiko tingkat bunga (iii) Interest rate risk
Perseroan terekspos risiko tingkat suku bunga The Company is exposed to interest rate risk
yang berasal dari perubahan tingkat bunga atas through the impact of rate changes on interest
aset dan liabilitas yang dikenakan bunga. Risiko bearing assets and liabilities. These exposures
ini dikelola pada umumnya dengan are managed mainly through the use of cross
menggunakan cross currency swaps untuk currency swaps, which have the economic effect
mengonversi pinjaman dalam mata uang asing of converting borrowings in foreign currency from
dengan tingkat bunga mengambang menjadi floating to fixed interest rate. The Company
tetap. Perseroan umumnya memberikan provide financing predominantly at a fixed rate.
pembiayaan dengan tingkat suku bunga tetap. The borrowings expose the Company to fair
Pinjaman ini menyebabkan Perseroan terekspos value interest rate risk, which are offset by
terhadap risiko tingkat bunga atas nilai wajar, financing receivables held at a fixed rate.
dimana risiko ini disaling hapus dengan piutang The borrowings are generally has a same tenor
pembiayaan dengan suku bunga tetap. with the financing receivables.
Pinjaman ini umumnya memiliki tenor yang
sama dengan piutang pembiayaannya.
Tabel di bawah ini menyajikan aset dan liabilitas The table below summarises the Company’s
keuangan berbunga Perseroan pada nilai interest earning assets and interest bearing
tercatat, yang dikategorikan menurut mana yang liabilities at carrying amounts, categorised by the
terlebih dahulu antara tanggal perubahan bunga earlier of contractual repricing interest or maturity
secara kontraktual atau tanggal jatuh tempo: dates:
31 Desember/December 2024
Bunga tetap/
Variabel/Variable Fixed interest rate
Kurang Lebih Kurang Lebih
dari dari dari dari
satu tahun/ 3 tahun/ satu tahun/ 3 tahun/ Tidak dikenakan
Less 1-2 2-3 Over Less 1-2 2-3 Over bunga/
than tahun/ tahun/ than than tahun/ tahun/ than Non Jumlah/
one year years years 3 years one year years years 3 years interest bearing Total
ASET ASSETS
Cash and cash
Kas dan setara kas 304,180 - - - - - - - - 304,180 equivalents
Piutang pembiayaan Consumer financing
konsumen - - - - 24,953,716 13,930,263 3,734,160 167,276 - 42,785,415 receivables
Piutang lain-lain*) - - - - - - - - 207,053 207,053 Other receivables*)
Aset derivatif - - - - - - - - 197,590 197,590 Derivative assets
Jumlah aset
keuangan 304,180 - - - 24,953,716 13,930,263 3,734,160 167,276 404,643 43,494,238 Total financial assets
Penyisihan kerugian Allowance for impairment
penurunan nilai (2,883,115) losses
Jumlah 40,611,123 Total
LIABILITAS LIABILITIES
Utang penyalur
kendaraan - - - - - - - - 170,339 170,339 Dealer payable
Utang lain-lain - - - - - - - - 212,083 212,083 Others payables
Utang Insurance
premi asuransi - - - - - - - - 505,821 505,821 premium payable
Akrual - - - - - - - - 533,044 533,044 Accruals
Pinjaman Borrowings
- Rupiah - - - - 10,432,872 4,078,595 1,961,273 - - 16,472,740 Rupiah -
- Dolar AS 3,153,218 2,262,680 847,564 - - - - - - 6,263,462 US Dollar -
Surat berharga
yang diterbitkan - - - - 3,841,096 2,645,430 2,133,957 - - 8,620,483 Securities issued
Liabilitas derivatif - - - - - - - - 6,398 6,398 Derivative liabilities
Jumlah liabilitas Total financial
keuangan 3,153,218 2,262,680 847,564 - 14,273,968 6,724,025 4,095,230 - 1,427,685 32,784,370 liabilities
(2,849,038) (2,262,680) (847,564) - 10,679,748 7,206,238 (361,070) 167,276 (1,023,042) 10,709,868
Derivatif 3,153,218 2,262,680 847,564 - (3,153,218) (2,262,680) (847,564) - - - Derivative
Jumlah gap Total interest
repricing bunga 304,180 - - - 7,526,530 4,943,558 (1,208,634) 167,276 (1,023,042) 10,709,868 repricing gap
Posisi neto setelah Net position, net of
penyisihan kerugian allowance for
penurunan nilai 7,826,754 impairment losses
*) Terdiri dari klaim asuransi, penyelesaian pembayaran konsumen Consists of insurance claims, settlement of debtors’ payment *)
melalui payment channel dan pinjaman karyawan. through payment channel and employee loans.
Halaman - 5/115 - Page
Page 498
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(iii) Risiko tingkat bunga (lanjutan) (iii) Interest rate risk (continued)
31 Desember/December 2023
Bunga tetap/
Variabel/Variable Fixed interest rate
Kurang Lebih Kurang Lebih
dari dari dari dari
satu tahun/ 3 tahun/ satu tahun/ 3 tahun/ Tidak dikenakan
Less 1-2 2-3 Over Less 1-2 2-3 Over bunga/
than tahun/ tahun/ than than tahun/ tahun/ than Non Jumlah/
one year years years 3 years one year years years 3 years interest bearing Total
ASET ASSETS
Bank 559,405 - - - 559,405 Cash in banks
Piutang pembiayaan Consumer financing
konsumen - - - - 21,236,317 12,245,086 3,016,653 120,814 - 36,618,870 receivables
Piutang lain-lain*) - - - - - - - - 110,693 110,693 Other receivables*)
Aset derivatif - - - - - - - - 195,833 195,833 Derivative assets
Jumlah aset
keuangan 559,405 - - - 21,236,317 12,245,086 3,016,653 120,814 306,526 37,484,801 Total financial assets
Penyisihan kerugian Allowance for impairment
penurunan nilai (2,825,680) losses
Jumlah 34,659,121 Total
LIABILITAS LIABILITIES
Utang penyalur
kendaraan - - - - - - - - 409,575 409,575 Dealer Payables
Utang lain-lain - - - - - - - - 177,196 177,196 Others payables
Utang Insurance
premi asuransi - - - - - - - - 533,460 533,460 premium payable
Akrual - - - - - - - - 636,123 636,123 Accruals
Pinjaman Borrowings
- Rupiah - - - - 7,658,419 3,571,055 1,438,118 - - 12,667,593 Rupiah -
- Dolar AS 2,727,789 1,320,326 456,205 - - - - - - 4,504,320 US Dollar -
Surat berharga
yang diterbitkan 4,091,394 1,481,033 2,642,661 - - 8,215,088 Securities issued
Liabilitas derivatif - - - - - - - - 13,717 13,717 Derivative liabilities
Jumlah liabilitas Total financial
keuangan 2,727,789 1,320,326 456,205 - 11,749,813 5,052,088 4,080,779 - 1,770,071 27,157,072 liabilities
(2,115,350) (1,320,326) (456,205) - 9,486,504 7,192,998 (1,064,126) 120,814 (2,076,594) 10,327,729
Derivatif 2,727,789 1,320,326 456,205 - (2,727,789) (1,320,326) (456,205) - - - Derivative
Jumlah gap Total interest
repricing bunga 612,439 - - - 6,758,715 5,872,672 (1,520,331) 120,814 (2,076,594) 10,327,729 repricing gap
Posisi neto setelah Net position, net of
penyisihan kerugian allowance for
penurunan nilai 7,502,049 impairment losses
*) Terdiri dari pinjaman karyawan, pinjaman manajemen kunci dan lain-lain Consists of employee loans, key management loans and others *)
Sensitivitas terhadap laba bersih Sensitivity to net income
Aset keuangan utama Perseroan menggunakan The Company's financial assets use fixed
suku bunga tetap. Perseroan memiliki beberapa interest rate. The Company has several bank
pinjaman bank yang dikenakan suku bunga loans which bear floating interest rate however
mengambang akan tetapi pinjaman-pinjaman ini these loans have been economically hedged by
telah dilakukan lindung nilai secara ekonomis using interest rate swap contracts and thus have
dengan kontrak swap suku bunga sehingga been changed to become fixed interest rate
berubah menjadi liabilitas dengan suku bunga liabilities. Therefore, the Company’s net income
tetap. Oleh karena itu laba bersih Perseroan are not significantly affected by changes in
tidak terpengaruh signifikan oleh perubahan interest rate that was reasonably possible at that
suku bunga yang mungkin terjadi pada tanggal date.
tersebut.
(iv) Risiko likuiditas (iv) Liquidity risk
Risiko likuiditas timbul jika Perseroan mengalami Liquidity risk arises in situations where the
kesulitan dalam mendapatkan sumber Company has difficulties in obtaining funding.
pendanaan. Risiko likuiditas dapat juga timbul Liquidity risk also arises from situations in which
akibat ketidaksesuaian atas jangka waktu the Company has a mismatch between the
sumber dana yang dimiliki dengan jangka waktu maturity of its fundings and the maturity of its
pembiayaan. consumer financing receivables.
Halaman - 5/116 - Page
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(iv) Risiko likuiditas (lanjutan) (iv) Liquidity risk (continued)
Manajemen yakin akan kemampuan Perseroan Management is confident in the Company’s
untuk mengendalikan dan memelihara eksposur ability to continue to control and sustain minimal
risiko likuiditas berdasarkan hal-hal sebagai exposure of liquidity risk to the Company based
berikut: on the following:
- Menyelaraskan sumber pendanaan yang - Source of fund alignment to the financing
sesuai dengan jangka waktu pembiayaan. period.
- Perseroan menelaah struktur laporan posisi - The Company evaluates and reviews its
keuangan dan melakukan analisis serta statements of financial position structure, by
pengukuran risiko likuiditas secara berkala periodically analysing and measuring liquidity
berdasarkan Pedoman Pengendalian Intern risk based on its Internal Control Manual and
Perusahaan dan Pedoman Pengelolaan Aset Assets Liabilities Management Guideline
dan Liabilitas dari pemegang saham. from shareholders.
Tabel jatuh tempo berikut ini menyajikan The maturity tables below provide information
informasi mengenai perkiraan jatuh tempo dari about maturities on contractual undiscounted
liabilitas sesuai arus kas kontraktual yang tidak cash flows of liabilities on 31 December 2024 and
didiskontokan pada tanggal 31 Desember 2024 2023:
dan 2023:
31 Desember/December 2024
Tidak mempunyai
Kurang dari 1 Lebih dari kontrak jatuh
tahun/ 3 tahun/ tempo/No
Jumlah/ Less than 1 - 2 tahun/ 2 - 3 tahun/ Over than contractual
Total 1 year years years 3 years maturity
LIABILITAS LIABILITIES
Utang penyalur kendaraan 170,339 170,339 - - - - Dealers payable
Utang lain-lain 212,083 212,083 - - - - Other payables
Insurance premium
Utang premi asuransi 505,821 421,313 82,615 1,797 96 - payable
Akrual 533,044 533,044 - - - - Accruals
Pinjaman 22,736,202 13,586,090 6,341,275 2,808,837 - - Borrowings
Surat berharga yang
diterbitkan Securities issued
- Obligasi 8,620,483 3,841,096 2,645,430 2,133,957 - - Bonds -
Jumlah liabilitas 32,777,972 18,763,965 9,069,320 4,944,591 96 - Total liabilities
Derivatif Derivative
Arus masuk 6,289,711 3,165,058 2,262,680 861,973 - - In flow
Arus keluar (6,091,384) (3,032,515) (2,210,392) (848,477) - - Out flow
Derivatif - bersih 198,327 132,543 52,288 13,496 - - Derivative - net
31 Desember/December 2023
Tidak mempunyai
Kurang dari 1 Lebih dari kontrak jatuh
tahun/ 3 tahun/ tempo/No
Jumlah/ Less than 1 - 2 tahun/ 2 - 3 tahun/ Over than contractual
Total 1 year years years 3 years maturity
LIABILITAS LIABILITIES
Utang penyalur kendaraan 409,575 409,575 - - - - Dealers payable
Utang lain-lain 131,577 131,577 - - - - Other payables
Insurance premium
Utang premi asuransi 533,460 436,566 95,906 970 18 - payable
Akrual 636,123 636,123 - - - - Accruals
Pinjaman 17,171,913 10,386,208 4,891,381 1,894,324 - - Borrowings
Surat berharga yang
diterbitkan Securities issued
- Obligasi 8,215,088 4,091,394 1,481,033 2,642,661 - - Bonds -
Jumlah liabilitas 27,097,736 16,091,443 6,468,320 4,537,955 18 - Total liabilities
Derivatif Derivative
Arus masuk 4,524,596 2,738,909 1,323,207 462,480 - - In flow
Arus keluar (4,355,793) (2,608,585) (1,284,665) (462,542) - - Out flow
Derivatif - bersih 168,803 130,224 38,542 62 - - Derivative - net
Halaman - 5/117 - Page
Page 500
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(v) Nilai wajar aset dan liabilitas keuangan (v) Fair value of financial assets and liabilities
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be received to
untuk menjual suatu aset atau harga yang akan sell an asset or paid to transfer a liability in an
dibayar untuk mengalihkan suatu liabilitas dalam orderly transaction between market participants
transaksi teratur antara pelaku pasar pada at the measurement date in the principal market.
tanggal pengukuran di pasar utama.
Untuk aset dan liabilitas keuangan yang diukur For financial assets and liabilities measured at
menggunakan nilai wajar, berikut ini adalah fair value, the following are the hierarchy of the
hierarki nilai wajar: fair values:
a. Tingkat 1 a. Level 1
Harga kuotasian (tidak disesuaikan) dalam Quoted prices (unadjusted) in active markets
pasar aktif untuk aset atau liabilitas yang for identical assets or liabilities;
identik;
b. Tingkat 2 b. Level 2
Input selain harga kuotasian yang termasuk Inputs other than quoted prices included
dalam tingkat 1 yang dapat diobservasi untuk within level 1 that are observable for the
aset atau liabilitas, baik secara langsung assets or liabilities, either directly (that is, as
(misalnya harga) maupun tidak langsung prices) or indirectly (that is, derived from
(misalnya derivasi harga); dan prices); and
c. Tingkat 3 c. Level 3
Input untuk aset atau liabilitas yang bukan Inputs for the assets or liabilities that are not
berdasarkan data pasar yang dapat based on observable market data
diobservasi (input yang tidak dapat (unobservable inputs).
diobservasi).
Tabel berikut menyajikan informasi aset dan The table below shows the Company’s asset and
liabilitas yang diukur sebesar nilai wajarnya pada liability that are measured at fair value as at
tanggal 31 Desember 2024 dan 2023 31 December 2024 and 2023 based on fair value
berdasarkan hierarki nilai wajar: hierarchy:
31 Desember/December 2024
Nilai tercatat/
Carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Nilai wajar/
Value Level1 Level 2 Level 3 Fair value
Aset Assets
Aset derivatif 197,590 - 197,590 - 197,590 Derivative assets
Liabilitas Liabilities
Liabilitas derivatif 6,389 - 6,389 - 6,389 Derivative liabilities
31 Desember/December 2023
Nilai tercatat/
Carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Nilai wajar/
Value Level1 Level 2 Level 3 Fair value
Aset Assets
Aset derivatif 195,833 - 195,833 - 195,833 Derivative assets
Liabilitas Liabilities
Liabilitas derivatif 13,717 - 13,717 - 13,717 Derivative liabilities
Halaman - 5/118 - Page
Page 501
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(v) Nilai wajar aset dan liabilitas keuangan (v) Fair value of financial assets and liabilities
(lanjutan) (continued)
Tabel di bawah ini menggambarkan nilai tercatat The table below sets out the carrying amounts
dan nilai wajar dari aset dan liabilitas keuangan and fair value of those financial assets and
yang tidak disajikan pada nilai wajarnya di liabilities not presented at their fair value in the
laporan posisi keuangan Perseroan: Company’s statements of financial position:
31 Desember/December 2024
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan: Financial assets:
Kas dan setara kas 304,180 304,180 Cash and cash equivalent
Piutang pembiayaan Consumer financing
konsumen 39,902,300 38,592,925 receivables
Piutang lain-lain*) 207,053 189,848 Other receivables*)
40,413,533 39,086,953
Liabilitas keuangan: Financial liabilities:
Utang penyalur kendaraan 170,339 170,339 Dealers payable
Utang lain-lain 212,083 212,083 Other payables
Utang premi asuransi 505,821 498,874 Insurance premium payables
Akrual 533,044 533,044 Accruals
Liabilitas sewa 138,556 138,556
Pinjaman 22,736,202 19,033,812 Borrowings
Surat berharga yang diterbitkan Securities issued
- Obligasi - bersih 8,620,483 8,584,155 Bonds - net -
32,916,528 29,170,863
31 Desember/December 2023
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan: Financial assets:
Kas dan setara kas 612,439 612,439 Cash and cash equivalent
Piutang pembiayaan Consumer financing
konsumen 33,793,190 29,384,839 receivables
Piutang lain-lain*) 110,693 103,534 Other receivables*)
34,516,322 30,100,812
Liabilitas keuangan: Financial liabilities:
Utang penyalur kendaraan 409,575 409,575 Dealers payable
Utang lain-lain 177,196 177,196 Other payables
Utang premi asuransi 533,460 526,367 Insurance premium payables
Akrual 636,123 636,123 Accruals
Liabilitas sewa 105,143 105,143 Lease liabilities
Pinjaman 17,171,913 15,555,909 Borrowings
Surat berharga yang diterbitkan Securities issued
- Obligasi - bersih 8,215,088 8,213,919 Bonds - net -
27,248,498 25,624,232
*) Terdiri dari klaim asuransi, penyelesaian pembayaran konsumen Consists of insurance claims, settlement of debtors’ payment *)
melalui payment channel dan pinjaman karyawan. through payment channel and employee loans.
Halaman - 5/119 - Page
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PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(v) Nilai wajar aset dan liabilitas keuangan (v) Fair value of financial assets and liabilities
(lanjutan) (continued)
a) Kas dan setara kas a) Cash and cash equivalents
Estimasi nilai wajar dari kas dan setara kas The carrying amount of cash and cash
adalah perkiraan jumlah nilai tercatatnya equivalents are approximate of the
dikarenakan sisa jatuh temponya di bawah respective carrying amounts since the
satu tahun sehingga nilai tercatat ini maturity period are below one year
merupakan perkiraan yang layak atas nilai therefore the carrying amount is a
wajar. reasonable of fair value.
b) Piutang pembiayaan konsumen dan piutang b) Consumer financing receivables and other
lain-lain receivables
Portofolio kredit Perseroan secara umum Generally, the Company’s portfolio consists
terdiri dari piutang pembiayaan konsumen of consumer financing receivables and net
dan piutang lain-lain. Piutang pembiayaan investment in finance lease. Consumer
konsumen dan piutang lain-lain dinyatakan financing receivables and other receivables
berdasarkan amortised cost. are stated at amortised cost.
Nilai wajar dari piutang pembiayaan The fair value of consumer financing
konsumen - bersih dan piutang lain-lain receivables - net and other receivables are
diestimasi menggunakan diskonto arus kas, estimated by using discounted cash flows
dengan mengacu pada rata-rata tertimbang applying weighted average market rates
dari tingkat suku bunga pasar yang offered by the Company at statements of
diberikan Perseroan untuk aset keuangan financial position date for financial assets
yang memiliki karakteristik yang sama
that have similar characteristics with the
dengan aset keuangan tersebut pada
tanggal laporan posisi keuangan (tingkat 3 - above mentioned financial assets (level 3 -
hierarki nilai wajar). fair value hierarchy).
c) Pinjaman c) Borrowing
Nilai wajar dari pinjaman dinilai The fair value of borrowing are estimated by
menggunakan diskonto arus kas using discounted cash flows applying the
berdasarkan tingkat suku bunga efektif yang effective interest rate charged by the
dikenakan pada pemakaian terakhir dalam lenders for the last utilisation in each
mata uang masing-masing pinjaman currency borrowings (level 2 - fair value
(tingkat 2 - hierarki nilai wajar). hierarchy).
d) Surat berharga yang diterbitkan d) Securities issued
Nilai wajar obligasi diestimasi menggunakan The fair value of bonds are estimated by
nilai kuotasi pasar terakhir (tingkat 2 - using the last quoted market price (level 2 -
hierarki nilai wajar). fair value hierarchy).
e) Utang penyalur kendaraan, utang lain-lain e) Dealer payables, other payables and
dan akrual accruals
Estimasi nilai wajar utang penyalur For estimated fair value of dealers payables,
kendaraan, utang lain-lain dan akrual other payables and accruals, since the
dikarenakan jatuh temponya di bawah satu maturity is below one year, the carrying
tahun, nilai tercatat merupakan perkiraan value is a reasonable approximation of fair
yang layak atas nilai wajarnya. value.
f) Utang premi asuransi f) Insurance premium payables
Nilai wajar dari utang premi asuransi dinilai Fair value of insurance premium payables
menggunakan diskonto arus kas (tingkat 2 - are estimated by using discounted cash flow
hierarki nilai wajar). (level 2 - fair value hierarchy).
Halaman - 5/120 - Page
Page 503
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
(vi) Manajemen Risiko Permodalan (vi) Capital Risk Management
Tujuan Perseroan dalam mengelola The Company’s objectives when managing
permodalannya adalah menjaga kelangsungan capital are to safeguard the Company’s ability to
usaha Perseroan untuk dapat memberikan hasil continue as a going concern in order to provide
kepada pemegang saham dan manfaat kepada returns for shareholders and benefits for other
pemangku kepentingan lainnya, dan memelihara stakeholders and to maintain an optimal capital
optimalisasi struktur permodalan untuk structure to reduce the cost of capital.
mengurangi biaya modal (cost of capital).
Dalam rangka memelihara atau menyesuaikan In order to maintain or adjust the capital structure,
struktur permodalan, Perseroan dapat the Company may adjust the amount of
menyesuaikan jumlah dividen yang dibayarkan dividends paid to shareholders, return capital to
kepada pemegang saham, imbalan hasil modal shareholders or issue new shares to reduce debt.
kepada pemegang saham atau menerbitkan
saham baru untuk mengurangi pinjaman.
Konsisten dengan pelaku industri lainnya, Consistent with others in the industry, the
Perseroan memonitor permodalan berdasarkan Company monitors capital on the basis of the
gearing ratio. Rasio ini dihitung dari nilai bersih gearing ratio. This ratio is calculated as net debt
pinjaman (termasuk obligasi dan medium term (including bonds payable and medium term
notes) dibagi dengan jumlah modal. Jumlah notes) divided by total capital. Total capital
modal diambil dari ekuitas yang tercantum consist of equity as shown in the statements of
dalam laporan posisi keuangan. Berdasarkan financial position. Based on the prevailing
peraturan yang berlaku, jumlah maksimum regulation, the maximum gearing ratio is 10 times
gearing ratio adalah sebesar 10 kali dari total from total capital.
modal.
31. REKONSILIASI AKTIVITAS PENDANAAN 31. NET FINANCING ACTIVITIES RECONCILIATION
BERSIH
Rekonsiliasi dari aktivitas pendanaan adalah sebagai Reconciliation from financing activities are as follows:
berikut:
31 Desember/December 2024
Perubahan non kas/
Non-cash changes
Pergerakan
Valuta asing/
Saldo awal/ Movement of
Beginning Arus kas/ foreign Lain-lain/ Saldo akhir/
balance Cashflow exchange *) Others Ending balance
Pinjaman 17,171,913 5,541,028 29,524 (6,263) 22,736,202 Borrowings
Liabilitas sewa 105,143 73,497 - (40,084) 138,556 Lease liability
Surat berharga
yang diterbitkan 8,215,088 391,741 10,999 2,655 8,620,483 Securities issued
Jumlah liabilitas dari Total liabilities from
aktivitas pendanaan 25,492,144 6,006,266 40,523 (43,692) 31,495,241 financing activities
31 Desember/December 2023
Perubahan non kas/
Non-cash changes
Pergerakan
Valuta asing/
Saldo awal/ Movement of
Beginning Arus kas/ foreign Lain-lain/ Saldo akhir/
balance Cash flow exchange *) Others Ending balance
Pinjaman 15,039,391 2,367,633 (228,045) (7,066) 17,171,913 Borrowings
Liabilitas sewa 110,867 67,653 - (73,377) 105,143 Lease liabilities
Surat berharga
yang diterbitkan 5,459,273 2,724,235 26,624 4,956 8,215,088 Securities issued
Jumlah liabilitas dari Total liabilities from
aktivitas pendanaan 20,609,531 5,159,521 (201,421) (75,487) 25,492,144 financing activities
*) Perseroan telah menerapkan kebijakan lindung nilai untuk pinjaman *) The Company have applied hedging policy to borrowings
yang diterima dalam mata uang asing dan memiliki tingkat suku denominated in foreign currencies with floating interest rates (see
bunga mengambang (lihat Catatan 16). Note 16).
Halaman - 5/121 - Page
Page 504
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
32. SALING HAPUS 32. OFFSETTING
Pada tanggal 31 Desember 2024 dan 2023, tidak As at 31 December 2024 and 2023, there is no
terdapat aset dan liabilitas keuangan yang saling financial assets and liabilities that are subject to
hapus pada laporan posisi keuangan. offsetting in the statements of financial position.
Perseroan memiliki aset dan liabilitas keuangan The Company has derivative assets and liabilities
derivatif yang tunduk pada perjanjian induk untuk that are subject to enforceable master netting
menyelesaikan secara neto, dimana perjanjian arrangements whereas the agreement between the
antara Perseroan dan pihak counterparty Company and the counterparty allows for net
memperbolehkan penyelesaian neto atas aset dan settlement of the relevant financial assets and
liabilitas keuangan tersebut ketika kedua pihak liabilities when both elect to settle on a net basis.
memilih untuk menyelesaikan dengan dasar neto. Otherwise, financial assets and liabilities will be
Ketika kedua pihak tidak memilih untuk settled on a gross basis. However, each party to the
menyelesaikan secara neto, aset dan liabilitas master netting agreement will have the option to
keuangan diselesaikan dengan dasar bruto, akan settle such amount on a net basis in the event of
tetapi masing-masing pihak dalam perjanjian induk default of the other party.
mempunyai opsi untuk menyelesaikan jumlah-jumlah
tersebut dengan dasar neto pada peristiwa di mana
terjadi gagal bayar salah satu pihak.
33. STANDAR AKUNTANSI BARU YANG TELAH 33. ACCOUNTING STANDARD ISSUED BUT NOT
DISAHKAN NAMUN BELUM BERLAKU EFEKTIF YET EFFECTIVE
Dewan Standar Akuntansi Keuangan Ikatan Akuntan Financial Accounting Standard Board of Indonesian
Indonesia (“DSAK-IAI”) telah menerbitkan standar Institute of Accountants (“DSAK-IAI”) has issued the
baru, amendemen dan interpretasi berikut, namun following new standards, amendments and
belum berlaku efektif untuk tahun buku yang dimulai interpretations, but not yet effective for the financial
pada 1 Januari 2024 sebagai berikut: year beginning 1 January 2024 as follows:
- PSAK 117: “Kontrak Asuransi”; - SFAS 117: “Insurance Contract”;
- Amendemen PSAK 117: “Kontrak Asuransi” - Amendment of SFAS 117: “Insurance Contract”
terkait Penerapan Awal PSAK 117 dan PSAK regarding Initial Application of SFAS 117 and
109 - Informasi Komparatif; dan SFAS 109 - Comparative Information; and
- Amendemen PSAK 221: “Pengaruh Perubahan - Amendment of SFAS 221: “The Effect of
Kurs Valuta Asing” terkait kondisi ketika suatu Changes in Foreign Exchange Rates” regarding
mata uang tidak tertukarkan. to conditions when a currency is not
exchangeable.
Standar tersebut akan berlaku efektif pada 1 Januari The above standards will be effective on 1 January
2025. 2025.
Pada saat penerbitan laporan keuangan, Perseroan As at the authorisation date of these financial
masih mengevaluasi dampak yang mungkin timbul statements, the Company is still evaluating the
dari penerapan standar baru tersebut serta potential impact from the implementation of these
pengaruhnya pada laporan keuangan Perseroan. new standards and the effect on the Company’s
financial statements.
Halaman - 5/122 - Page
Page 505
PT FEDERAL INTERNATIONAL FINANCE
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 DESEMBER 2024 DAN 2023 31 DECEMBER 2024 AND 2023
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
34. RASIO KEUANGAN BERDASARKAN 34. FINANCIAL RATIOS BASED ON OJK
PERATURAN OJK REGULATION
Berdasarkan POJK No. 35/POJK.35/2018 tanggal Based on POJK No. 35/POJK.35/2018 dated
31 Desember 2018 tentang Penyelenggaraan Usaha 31 December 2018 regarding the Organisation of
Perusahaan Pembiayaan, Perseroan diharuskan Financial Company Business, the Company is
untuk memenuhi sejumlah rasio keuangan tertentu. required to comply with several financial ratios. These
Rasio keuangan tersebut dihitung berdasarkan POJK financial ratios are calculated based on POJK
No. 35/POJK.35/2018 dan mungkin tidak sesuai No. 35/POJK.35/2018 and may not be consistent with
dengan Standar Akuntansi Keuangan di Indonesia. Indonesian Financial Accounting Standards. The
Berikut ini adalah beberapa rasio keuangan following are some of the financial ratios based on
berdasarkan Peraturan OJK: (tidak diaudit) OJK Regulation: (unaudited)
2024 2023
Rasio saldo piutang pembiayaan neto
terhadap total aset 87.18% 86.12% Net financing receivables to asset ratio
Rasio saldo piutang pembiayaan neto
terhadap total pendanaan yang diterima 127.25% 113.11% Net financing receivables to funding ratio
Rasio saldo piutang pembiayaan neto Net financing receivables for
untuk pembiayaan investasi dan investment and
modal kerja dibandingkan dengan working capital financing to
total saldo piutang pembiayaan 13.89% 15.15% total financing receivables ratio
Rasio piutang pembiayaan bermasalah (”NPF”)
- bruto 1.18% 0.98% Non-performing financing ratio (“NPF”) - gross
Rasio ekuitas terhadap modal disetor 4,381.06% 4,057.86% Equity to paid up capital ratio
Rasio permodalan 30.14% 32.88% Capital ratio
Rasio utang terhadap modal Perseroan pada tanggal The Company’s gearing ratio as of 31 December
31 Desember 2024 dan 2023 adalah masing-masing 2024 and 2023 was 2.56 times and 2.25 times,
sebesar 2,56 kali dan 2,25 kali (tidak diaudit). respectively (unaudited). The Company has complied
Perseroan telah memenuhi semua ketentuan modal with all externally imposed capital requirements
eksternal sepanjang tahun. throughout the year.
2024 2023
Pinjaman Debt
- Pinjaman yang diterima 22,736,202 17,171,913 Borrowings -
- Surat berharga
yang diterbitkan 8,620,483 8,215,088 Securities issued -
Jumlah pinjaman 31,356,685 25,387,001 Total Debt
Jumlah modal 12,175,713 11,291,056 Total Capital
Rasio utang terhadap modal 2.58 2.25 Gearing ratio
Halaman - 5/123 - Page
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Halaman ini sengaja dikosongkan. This page is intentionally left blank.
Page 507
Page 508
2024
Laporan Tahunan
Annual Report
Menara FIF
Jl. T.B Simatupang Kav. 15
Cilandak, Jakarta Selatan
12440 Indonesia
+62 21 7698899
halofif@fifgroup.astra.co.id
www.fifgroup.co.id
Names mentioned 143 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Federal International Finance Portofolio
p.3
unresolved
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PT Federal International Finance Annual
p.3
unresolved
org
PT Federal International Finance Board
p.4 ×4
unresolved
org
PT Federal International Finance Annual Report Year
p.4 ×3
unresolved
org
Federal | 6, 2027
International
Finance
p.17
unresolved
org
PT Pemeringkat Pemeringkat Efek Indonesia
p.18
unresolved
org
PT Fitch Ratings
p.18
unresolved
org
PT Fitch Ratings Indonesia
p.18 ×2
unresolved
org
PT Pemeringkat Efek Indonesia
p.18
unresolved
org
Perusahaan Non Tbk
p.19 ×2
unresolved
org
PT Olahkarsa Inovasi
p.24 ×2
unresolved
org
PT Olahkarsa Inovasi Sustainability Award
p.25
unresolved
org
PT Federal International Finance Results
p.30
unresolved
org
Rintis & Rekan
p.30 ×3
unresolved
—
Wijaya
· Commissioner
p.30
unresolved
org
PT Astra Sedaya
p.30 ×7
unresolved
org
Finance Awards
· Direktur
p.33
unresolved
org
Bank Indonesia
p.40 ×4
unresolved
person
DI BAWAH
· KOMISARIS
p.43
unresolved
person
Thomas Junaidi Alim Wijaya. Pengangkatan
· Komisaris
p.44 ×11
unresolved
person
Thomas Junaidi Alim Wijaya. Their
p.44
unresolved
person
R. Nunu Soetjahja Noegoroho
· Komisaris Independen
p.44 ×6
unresolved
org
PT Federal
p.58 ×11
unresolved
org
PT Mitrapusaka Artha Finance
p.62 ×12
unresolved
org
Ministry of Justice Menteri Kehakiman
p.62
unresolved
org
Ministry of Justice
p.62
unresolved
org
Menteri Kehakiman Republik Indonesia
p.62
unresolved
org
PT Arya Kharisma
p.63 ×4
unresolved
org
PT Mitrapusaka Artha Finance Notaris Rukmasanti Hardjasatya
p.66
unresolved
org
Menteri Kehakiman
p.66
unresolved
org
Minister of Justice
p.66
unresolved
org
Minister of Justice Kehakiman Republik Indonesia
p.66
unresolved
org
PT Mitrapusaka Artha
p.68 ×4
unresolved
org
PT Federal International
p.68 ×9
unresolved
—
menyuntikkan tambahan
p.68
unresolved
—
disetor penuh dari Rp80
p.68
unresolved
—
miliar menjadi Rp280 miliar.
p.68
unresolved
—
Shareholders injected
p.68
unresolved
org
paid capital from Rp80 billion
p.68
unresolved
person
KH Abdul Halim
p.78
unresolved
person
Prof. Moh. Yamin Rukan D’Vatulemo
p.79 ×2
unresolved
person
Ir. Pangeran Haji Muhammad
p.82
unresolved
person
KH Abdullah Bin Nuh
p.82
unresolved
person
Ir. H. Juanda
p.85 ×2
unresolved
person
Sharia Supervisory
· Komisaris
p.90
unresolved
person
Aminudin Yakub
· Member
p.90
unresolved
org
PT Rapi Utama Indonesia
p.92
unresolved
org
Astra Sedaya
(2000-2001) | Finance
p.94
unresolved
org
PT Astra Multi Finance
p.95 ×9
unresolved
org
PT Astra Auto Finance
p.95 ×5
unresolved
org
PT Swadharma Bhakti Sedaya Finance
p.95 ×2
unresolved
org
PT Astra
p.95 ×6
unresolved
—
Deputy Chief Executive
· Direktur
p.95 ×2
unresolved
org
PT Sedaya Pratama
p.95 ×4
unresolved
org
PT Stacomitra Graha
p.95 ×4
unresolved
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PT Garda Era Sedaya
p.95 ×4
unresolved
org
PT Astra Digital Arta
p.95 ×9
unresolved
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PT Astra Kreasi Digital
p.95 ×4
unresolved
org
PT Matra Graha Sarana
p.95 ×8
unresolved
org
PT Astra Welab Digital Arta
p.95 ×7
unresolved
org
PT Federal Finance
p.96 ×2
unresolved
org
PT Astra Multi
p.96
unresolved
org
Federal International
(2001-2002) | Finance
p.97
unresolved
org
PT Sharia Multifinance Astra
p.97 ×4
unresolved
org
Departemen Human Resource
p.98
unresolved
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PT Asuransi Astra Buana
p.99 ×7
unresolved
org
Dana Pensiun Astra Dua
p.99 ×3
unresolved
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Dana Pensiun Astra Satu
p.99 ×3
unresolved
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PT Asuransi Jiwa Astra
p.99 ×3
unresolved
—
CMO
· Director
p.100
unresolved
org
PT Sedaya Multi Investama
p.100 ×4
unresolved
person
Sertifikasi Dasar
· Komisaris
p.102
unresolved
org
PT Astra CMG Life
p.102 ×2
unresolved
org
PT Astra Daihatsu Motor
p.102 ×2
unresolved
org
PT Toyota Astra Motor
p.102 ×2
unresolved
org
PT Toyota Motor Manufacturing Indonesia
p.102 ×2
unresolved
org
PT Toyota Astra Financial Services
p.102 ×4
unresolved
org
PT Toyofuji Serasi Indonesia
p.102 ×2
unresolved
org
PT Menara Astra
p.102 ×2
unresolved
org
PT Astra Mitra Ventura
p.103 ×4
unresolved
org
PT Astra Aviva Life
p.103 ×2
unresolved
org
PT Toyota Astra Financial
p.103 ×3
unresolved
org
PT Astra Honda Motor
p.103 ×4
unresolved
org
PT Astra Integrasi Digital
p.103 ×4
unresolved
org
PT Astra Auto Digital
p.103 ×4
unresolved
org
Astra Sedaya
(2007-2008) | Finance
p.105
unresolved
org
PT Staco Estika Sedaya Finance
p.105 ×2
unresolved
org
Astra Sedaya
(2008-2012) | Finance
p.105
unresolved
org
Federal International
2024) | Finance
p.105
unresolved
org
PT Toyota Astra Services
p.105
unresolved
org
PT Swadharma Bhakti
p.107
unresolved
org
PT Swadharma Sedaya Finance
p.107
unresolved
org
Astragraphia Tbk
p.107 ×4
unresolved
org
PT Toyota Astra Finance
p.107
unresolved
org
PT Indo
p.107
unresolved
org
Risk Monitoring Tambangraya Megah Tbk
p.107
unresolved
org
PT Musashi Auto Parts Indonesia
p.109 ×2
unresolved
org
PT Hitachi Astemo Bekasi Manufacturing
p.109 ×2
unresolved
org
PT Suryaraya Rubberindo Industries
p.109
unresolved
org
PT Suryaraya Rubberindo
p.109
unresolved
person
Independensi
· Komisaris Independen
p.110
unresolved
person
R. Soetjahja Noegroho
p.110
unresolved
org
Public Rianto & Rekan
p.125
unresolved
org
Tanudiredja
p.125 ×2
unresolved
org
Rianto & Rekan
p.125 ×3
unresolved
org
Financial Services Authority
p.125
unresolved
org
Kantor Akuntan Publik Rintis
p.125
unresolved
org
Bank Financial Institutions
p.155
unresolved
org
Dana Pensiun Astra
p.197
unresolved
org
PT Samadista Karya
p.197
unresolved
org
Bank Financial Services Institutions
p.205
unresolved
person
Tabel Keberagaman Komposisi
· Komisaris
p.262
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