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Laporan Keberlanjutan | Sustainability Report 2024
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PT Federal International Finance
Laporan Keberlanjutan 2024 Sustainability Report
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2024
Laporan Keberlanjutan
Sustainability Report
Penjelasan Tema
Theme Explanation
Di tengah dinamika industri pembiayaan yang terus Amid the ever-evolving dynamics of the financing industry,
berkembang, PT Federal International Finance (FIFGROUP) PT Federal International Finance (FIFGROUP) is committed
berkomitmen untuk melangkah maju secara berkelanjutan to moving forward sustainably with a spirit of collaboration
dengan semangat kolaborasi dan inovasi. Tema “Leaping and innovation. The theme “Leaping Together Into The
Together Into The Future” mencerminkan komitmen dan Future” reflects the Company’s commitment and efforts
upaya Perseroan dalam mempercepat pertumbuhan to accelerate sustainable growth by prioritizing inclusivity,
yang berkelanjutan dengan mengedepankan inklusivitas, technology, and sustainability as its main pillars.
teknologi, dan keberlanjutan sebagai pilar utama.
Melalui sinergi antara pemangku kepentingan, FIFGROUP Through synergy with stakeholders, FIFGROUP continues to
terus memperkuat perannya dalam menyediakan strengthen its role in providing responsible financial services,
layanan keuangan yang bertanggung jawab, mendukung supporting inclusive economic growth, and promoting
pertumbuhan ekonomi inklusif, serta mendorong social and environmental well-being. By leveraging digital
kesejahteraan sosial dan lingkungan. Dengan pemanfaatan technology and product innovation, the Company strives
teknologi digital dan inovasi produk, Perseroan berupaya to expand access to financial services, enhance business
meningkatkan akses layanan keuangan yang lebih luas, resilience, and deliver long-term value to the community
memperkuat ketahanan bisnis, dan memberikan nilai jangka and the environment.
panjang bagi masyarakat serta lingkungan.
Sejalan dengan prinsip keberlanjutan, FIFGROUP In line with sustainability principles, FIFGROUP also adopts
juga mengadopsi praktik bisnis yang berorientasi business practices focused on reducing environmental
pada pengurangan dampak lingkungan, peningkatan impact, improving employee welfare, and actively engaging
kesejahteraan karyawan, serta keterlibatan aktif dalam in social empowerment programs. With well-measured
program pemberdayaan sosial. Dengan langkah strategis strategic steps and strong collaboration, the Company is
yang terukur dan kolaborasi yang kuat, Perseroan siap ready to leap together into a brighter, more responsible,
melompat bersama menuju masa depan yang lebih cerah, and sustainable future.
bertanggung jawab, dan berkelanjutan.
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Daftar Isi
Book of Contents
Penjelasan Tema
ii Tata Kelola Keberlanjutan
Theme Explanation Sustainability Governance
Tata Kelola Keberlanjutan
64
Ikhtisar Keberlanjutan Sustainability Governance
Sustainability Highlights Struktur Tata Kelola Keberlanjutan [OJK E.1] [GRI 2-9]
66
Aspek Ekonomi [OJK B.1] Sustainability Governance Structure [OJK E.1] [GRI 2-9]
4
Economic Aspect [OJK B.1] Manajemen Risiko Lingkungan, Sosial, dan Tata Kelola
Aspek Lingkungan Hidup [OJK B.2] (LST) [OJK E.3]
5 66
Environmental Aspect [OJK B.2] Management of Environmental, Social, and Governance
Aspek Sosial [OJK B.3] Risks [OJK E.3]
7
Social Aspect [OJK B.3] Tantangan dan Permasalahan Penerapan Keuangan
Aspek Tata Kelola Berkelanjutan [OJK E.5]
7 73
Governance Aspect Challenges and Issues in Implementing Sustainable
Finance [OJK E.5]
Penghargaan dan Sertifikasi
8 Etika Bisnis [GRI 3-3]
Awards and Certifications 74
Business Ethics [GRI 3-3]
Jejak Langkah Keberlanjutan
17 Pelibatan Pemangku Kepentingan [OJK E.5] [GRI 2-29]
Sustainable Milestone 76
Stakeholder Engagement [OJK E.5] [GRI 2-29]
Penjelasan Presiden Direktur
Message from The President Director Kinerja Ekonomi
Economic Performance
Pesan Presiden Direktur [OJK D.1][GRI 2-22]
31 Pertumbuhan Pembiayaan Berkelanjutan
Message from the President Director [OJK D.1][GRI 2-22] 80
Growth of Sustainable Financing
Strategi Keberlanjutan Rantai Pasokan [GRI 2-6]
85
Sustainability Strategy Supply Chain [GRI 2-6]
Strategi Keberlanjutan [OJK A.1] [GRI 2-22, 2-23, 2-24]
42 Kinerja Keberlanjutan
Sustainability Strategy [OJK A.1] [GRI 2-22, 2-23, 2-24]
Sustainability Performance
Tentang Laporan Keberlanjutan
48 Menciptakan Karyawan Unggul
About The Sustainability Report 88
Creating Excellent Employees
Tanggapan Umpan Balik Laporan Tahun Sebelumnya
[OJK G.3] 49 Menjaga Layanan Berkualitas
100
Previous Year Report Feedback Response [OJK G.3] Maintaining Quality Service
Identifikasi Topik Material dan Batasan Dampak [GRI Meningkatkan Kesejahteraan Masyarakat [OJK F.23, F.25]
105
2-14, 3-1, 3-2] Improving Community Welfare [OJK F.23, F.25]
49
Identification of Material Topics and Impact Limitations Menjaga Kelestarian Lingkungan
113
[GRI 2-14, 3-1, 3-2] Preserving Environmental Sustainability
Lain-lain
120
Tentang Kami Others
About Us
Lembar Umpan Balik [OJK G.2]
Sekilas FIFGROUP [GRI 2-1] 121
54 Feedback Form [OJK G.2]
FIFGROUP at a Glance [GRI 2-1]
Tanggapan terhadap Umpan Balik Laporan
Visi, Misi, Nilai, dan Budaya Keberlanjutan [OJK C.1] Keberlanjutan Tahun Sebelumnya [OJK G.3]
58 122
Vision, Mission, Sustainability Values, and Culture [OJK C.1] Response to Feedback on The Previous Year’s
Nilai-Nilai Inti Perusahaan dan Budaya Keberlanjutan Sustainability Report [OJK G.3]
58
The Company’s Core Values and Sustainability Culture Daftar Pengungkapan Sesuai POJK Nomor 51/
Wilayah Operasional [OJK C.3] [GRI 2-1, 2-6] POJK.03/2017k [OJK G.4]
60 122
Operational Area [OJK C.3] [GRI 2-1, 2-6] List of Disclosures According to POJK NO. 51/
POJK.03/2017 [OJK G.4]
Skala Usaha [OJK C.3][GRI 2-6]
60 Indeks Sustainability Accounting Standard Board (SASB) -
Business Scale [OJK C.3] [GRI 2-1, 2-6]
Sektor Keuangan
Keanggotaan Asosiasi [OJK C.5] [GRI 2-28] 125
61 Sustainability Accounting Standard Board (SASB) - Finansial
Association Membership [OJK C.5] [GRI 2-28]
Sector
Indeks Konten GRI
126
GRI Content Index
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Ikhtisar
Keberlanjutan
Sustainability
Highlights
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Ikhtisar Keberlanjutan
Sustainability Highlights
Aspek Ekonomi [OJK B.1]
Economic Aspect [OJK B.1]
Pembiayaan Sepeda Motor Baru (NMC) Pembiayaan Multi Produk
New Motorcycle Financing Multiproduct Financing
2024 1.685.264 Unit|Units 2024 84.632 Unit|Units
2023 2022 2023 2022
1.601.954 1.249.074 93.481 114.040
Pembiayaan Multiguna Pembiayaan Mikro Produktif
Multipurpose Financing Micro Productive Financing
2024 1.422.872 Unit|Units 2024 13.534 Unit|Units
2023 2022 2023 2022
1.426.122 1.363.956 13.453 3.258
Pembiayaan Syariah
Sharia Financing
2024 22.794 Unit|Units
2023 2022
21.130 13.643
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Ikhtisar Keberlanjutan
Sustainability Highlights
Pendapatan Laba (Rugi) - Neto
Income Profit (Loss) - Net
2024
Rp
12.153.904 Rp Juta
Rp Million 2024
Rp
4.415.534 Rp Juta
Rp Million
2023 2022 2023 2022
10.416.484 8.963.160 4.107.391 3.173.660
Produk Ramah Lingkungan*
Environmentally-friendly Products*
2023 2022
2024
Rp
11.040 Rp Juta
Rp Million 12.120** 8.370**
*Merupakan produk yang masuk ke dalam kategori keuangan berkelanjutan
**Penyajian Kembali
*Products that fall into the category of sustainable finance
**restatement
Aspek Lingkungan Hidup [OJK B.2]
Environmental Aspect [OJK B.2]
Penggunaan Energi Bahan
Penggunaan Energi Listrik Bakar Minyak
Electricity Usage Fuel Oil Energy Usage
2024 83.058.260 MJ|MJ 2024 48.066.150 MJ|MJ
2023 2022 2023 2022
76.370.800 72.226.260 48.322.750 45.211.470
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Penggunaan Energi Terbarukan Penggunaan Energi
Renewable Energy Usage Energy Usage
2024 17.480.400 MJ|MJ 2024 148.604.810 MJ|MJ
2023 2022 2023 2022
7.059.220 6.239.440 131.752.770 123.677.170
Pemasangan Solar Panel Pengambilan Air
Solar Panel Installation Water Withdrawal
2024 317.800 kWh| kWh 2024 238.079 liter|liters
2023 2022 2023 2022
211.968,51 86.160,65 211.312 193.436
Penanaman Pohon (Program Jumlah Limbah Padat yang Didaur
Keanekaragaman Hayati) Ulang Kembali (Pengurangan Limbah)
Tree Planting (Biodiversity Program) Total Recycled Solid Waste (Waste Reduction)
2024 25.000* pohon| trees 2024 14.678 kg|kg
2023 2022 2023 2022
36.720 44.277 10.895,00 9.776,37
*Penurunan jumlah pohon disebabkan oleh fokus perusahaan terhadap
penanaman 25.000 pohon untuk carbon offset di Hutan FIFGROUP, yang secara
signifikan berkontribusi pada pemulihan ekosistem dan penyerapan emisi karbon
demi keberlanjutan jangka panjang.
*The decrease in the number of trees is due to the company’s focus on planting
25,000 trees for carbon offset in FIFGROUP Forest, which significantly contributes
to ecosystem restoration and carbon emission absorption for long-term
sustainability.
Jumlah Emisi Karbon yang Jumlah Penambahan (Pengurangan)
Dihasilkan Emisi Karbon
Total Carbon Emissions Produced Total Addition (Reduction) of Carbon Emissions
ton CO2e
2024 22.959,35 ton CO e 2
2024 (1.111,85) ton CO e
ton CO e
2
2
2023 2022 2023 2022
24.071,20 23.906,80 300,26 315,87
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Ikhtisar Keberlanjutan
Sustainability Highlights
Aspek Sosial [OJK B.3]
Social Aspect [OJK B.3]
Realisasi Dana CSR Realisasi Dana Syariah
Realization of CSR Funds Realization of Sharia Fund
2024
Rp
9.883 Rp Juta
Rp Million 2024
Rp
10.854 Rp Juta
Rp Million
2023 2022 2023 2022
8.684 6.348 7.042 7.105
Penerima Manfaat Program CSR Jumlah Jam Pelatihan
Beneficiaries of CSR Programs Total Training Hours
2024 46.667 Penerima Manfaat
Beneficiaries 2024 220.587 jam|hours
2023 2022 2023 2022
29.943 46.416 213.628 196.194
Jumlah Karyawan yang Menerima Pelatihan
Total Employees Receiving Training
2023 2022
2024 12.311 karyawan
employees 12.021 12.160
Aspek Tata Kelola
Governance Aspect
Jumlah Keterwakilan Perempuan dalam Posisi Senior Manajemen
Total Women Representatives in Senior Management Positions
2023 2022
2024 25,33 % 23,68 24,05
Nilai Komposit Penilaian GCG
GCG Assessment Composite Score
2023 2022
2024 1,00 Sangat Sehat
Very Healthy 1,00 (Sangat Sehat | Very Healthy) 1,00 (Sangat Sehat | Very Healthy)
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Penghargaan dan Sertifikasi
Awards and Certifications
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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)
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Ikhtisar Keberlanjutan
Sustainability Highlights
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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 - Laporan PR INDONESIA 8 Maret 2024 PR INDONESIA
Keberlanjutan Award 2023 March 8, 2024
Bronze Winner for Annual Report - Sustainability
Report
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Penghargaan | Awards
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 6, 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 > Rp10trillion) 2024 July 29, 2024
FIF as The Excellent Performance Multifinance
Company (Assets > Rp 10trillion)
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Ikhtisar Keberlanjutan
Sustainability Highlights
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26
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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
Penghargaan | Awards
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 Rp10 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)
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Penghargaan | Awards
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
33 Indonesia Best Financial Award 2024 - Best Indonesia Best 19 Oktober 2024 The Iconomics
Social Contribution Reputation in Multifinance Financial Award October 19, 2024
>20T Category 2024
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Ikhtisar Keberlanjutan
Sustainability Highlights
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37
33 34
36
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Penghargaan | Awards
Nama Penghargaan Ajang Penghargaan Tanggal Penyelenggara
No.
Name of Awards Award Event Date Organizer
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 November 12, 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)
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40 41 42 43 44
Penghargaan | Awards
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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Sustainability Highlights
51
48 49 50
47
46
Penghargaan | Awards
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 Pembiayaan Asosiasi Perusahaan 5 Desember 2024 APPI
2024 Pembiayaan December 5, 2024
First Winner in the Progress Through Financing Indonesia (APPI)
2024 Nomination
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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
Penghargaan | Awards
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 Good Sustainability December 18, 2024 Media Group)
pada Kategori Social Marketing, dengan Program Initiatives (CSI) 2024
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
Sertifikasi | Certifications
Sertifikasi Masa Berlaku
No.
Certification Validity Period
1. ISO 37001:2016 Sistem Manajemen Anti Penyuapan 15 September 2027
ISO 37001:2016 Anti-Bribery Management System September 15, 2027
2. ISO 27001:2013 Sistem Manajemen Keamanan Informasi
2025
ISO 27001:2013 Information Security Management System
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Ikhtisar Keberlanjutan
Sustainability Highlights
Jejak Langkah Keberlanjutan
Sustainable Milestone
12 Januari 2024 FIFGROUP Bagikan Beasiswa kepada 428 Anak Karyawan Terpilih
January 12, 2024 FIFGROUP Awards Scholarships to 428 Selected Employees’ Children
Dalam upaya mewujudkan aspirasi FIFGROUP “Membawa Kehidupan yang In an effort to realize FIFGROUP’s aspiration of “Bringing a Better Life to
Lebih Baik untuk Masyarakat”, FIFGROUP kembali menyelenggarakan Communities,” FIFGROUP has once again organized the annual program
program tahunan “Beasiswa Ceria” di tahun 2024 melalui kegiatan “Beasiswa Ceria/Cheerful Scholarship” in 2024 by distributing scholarships
penyaluran bantuan beasiswa kepada 428 anak yang bersekolah mulai to 428 students from elementary, junior high, and senior high school levels,
dari tingkat Sekolah Dasar, Sekolah Menengah Pertama setingkat, Sekolah as well as university students. This program has been implemented since
Menengah Atas Setingkat, dan Universitas. Pelaksanaan kegiatan tersebut 2013 and aligns with the 4th Sustainable Development Goal (SDG), namely
sudah dilakukan sejak tahun 2013 dan implementasinya sejalan dengan Quality Education.
Sustainable Development Goals (SDGs) ke-4, yaitu Pendidikan Berkualitas.
23 Februari 2024 Semarak HUT Astra ke-67, FIFGROUP Gelar Kegiatan Donor Darah
February 23, 2024 Celebrating Astra’s 67th Anniversary, FIFGROUP Organizes Blood Donation Activity
Sebagai salah satu anak perusahaan Astra, FIFGROUP turut memeriahkan As one of Astra’s subsidiaries, FIFGROUP also participated in celebrating
HUT ke-67 Astra dengan menggelar kegiatan Corporate Social Astra’s 67th anniversary by organizing a Corporate Social Responsibility
Responsibility (CSR) berupa program donor darah yang bertajuk “Setetes (CSR) activity in the form of a blood donation program titled “A Drop of Blood,
Darah Sejuta Cinta”. Pelaksanaan kegiatan donor darah kali ini terselenggara a Million Loves.” The blood donation event was held in collaboration with
melalui kerja sama dengan Unit Donor Darah (UDD) Palang Merah Indonesia the with the Blood Donation Unit (UDD) of the Indonesian Red Cross (PMI)
(PMI) Jakarta Selatan dan berhasil mengumpulkan 167 kantong darah dari South Jakarta and successfully collected 167 bags of blood from internal
pendonor karyawan internal. employees.
3 April 2024 Lanjutkan Inisiatif Keberlanjutan, FIFGROUP Pasang Solar Panel di Kota Serang
April 3, 2024 Continuing Sustainability Initiatives, FIFGROUP Installs Solar Panels in Serang City
Memasuki tahun 2024, FIFGROUP sebagai salah satu anak perusahaan dari Entering 2024, FIFGROUP, as one of the subsidiaries of PT Astra
PT Astra International Tbk melanjutkan komitmen penuh dan serangkaian International Tbk, continued its full commitment and a series of efforts to
upaya untuk menurunkan emisi gas rumah kaca melalui pemanfaatan reduce greenhouse gas emissions through the use of New Renewable
Energi Baru Terbarukan (EBT). Langkah konkret tersebut diwujudkan melalui Energy (NRE). This concrete step was implemented through the inauguration
peresmian instalasi solar panel kapasitas 10,8 kWp, berlokasi di Kantor of a 10.8 kWp solar panel installation at FIFGROUP Serang Branch Office.
FIFGROUP Cabang Serang.
5 April 2024 Sambut Idul Fitri 2024, FIFGROUP Salurkan Bingkisan dan Bantuan Lebaran bagi Masyarakat Sekitar
April 5, 2024 Welcoming Eid 2024, FIFGROUP Distributes Packages and Asisstance to Local Communities
Menyambut Hari Raya Idul Fitri 1 Syawal 1445 Hijriah, FIFGROUP kembali Welcoming Eid al-Fitr 1 Shawwal 1445 Hijri, FIFGROUP once again showed
menunjukkan kepeduliannya terhadap sesama dengan menyalurkan its solidarity with others by providing gifts and assistance to foundations,
bingkisan dan bantuan kepada yayasan, masyarakat sekitar, serta mitra surrounding communities, and company partners. Under the umbrella of
perusahaan. Di bawah payung program “FIFGROUP Peduli”, pada tahun “FIFGROUP Peduli” program, in 2024, FIFGROUP distributed 482 Eid gifts
2024, FIFGROUP melakukan pembagian sebanyak 482 bingkisan lebaran worth Rp135 million to the local community around the head office and
senilai Rp135 juta kepada masyarakat di sekitar kantor pusat dan mitra company partners, including office boys (OB), drivers, maintenance staff,
perusahaan antara lain Office Boy (OB), driver, petugas maintenance, receptionists, and security personnel.
receptionist hingga personil keamanan.
6 April 2024 Lanjutkan Tradisi Kebaikan, FIFGROUP Peduli Berbagi Takjil Menjelang Akhir Bulan Suci Ramadan
April 6, 2024 Continuing the Tradition of Kindness, FIFGROUP Peduli Shares Free Takjil (Iftar Snacks) During Ramadan
Dalam rangka menebarkan kebahagiaan dan berkah kepada masyarakat To spread happiness and blessings to the surrounding community,
sekitar, FIFGROUP telah mengalokasikan dana lebih dari Rp350 juta untuk FIFGROUP allocated more than Rp350 million to organize CSR activities
mengadakan kegiatan CSR bertajuk “FIFGROUP Peduli Berbagi Takjil” titled “FIFGROUP Peduli Shares Free Takjil,” distributing 14,580 takjil (iftar
berupa pembagian 14.580 takjil di lebih dari 243 kantor cabang yang snacks) at over 243 branch offices across Indonesia, including the head
tersebar di seluruh Indonesia termasuk kantor pusat. Pelaksanaan kegiatan office. This CSR activity also became part of FIFGROUP’s 35th anniversary
CSR ini juga menjadi bagian dari perayaan HUT FIFGROUP ke-35. celebration.
17 April 2024 Semarak Halal bi Halal FIFGROUP, 35 Panti Asuhan Berbagi Kebahagiaan Bersama Ustadz Maulana
April 17, 2024 Joyful Halal bi Halal with FIFGROUP, 35 Orphanages Share Happiness with Ustadz Maulana
Setelah perayaan Hari Raya Idul Fitri 1445 Hijriah, FIFGROUP melanjutkan After the Eid al-Fitr 1445 Hijri celebrations, FIFGROUP continued its
komitmennya untuk membagikan dampak positif kepada masyarakat sekitar commitment to making a positive impact on the surrounding community
melalui pelaksanaan kegiatan CSR berupa distribusi bantuan sosial senilai through CSR activities in the form of social assistance distribution worth over
lebih dari Rp350 juta kepada 35 Panti Asuhan yang tersebar di seluruh Rp350 million to 35 orphanages across Indonesia. This CSR initiative utilized
Indonesia. Pelaksanaan kegiatan CSR mengunakan Dana Sosial Syariah FIFGROUP’s Sharia Social Fund and was part of FIFGROUP’s 35th anniversary
FIFGROUP dan menjadi bagian dari rangkaian perayaan HUT FIFGROUP celebration.
ke-35.
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26 April 2024 FIFGROUP Wujudkan Visi Keberlanjutan, Solar Panel ke-20 Terpasang di Cabang Cikarang
April 26, 2024 FIFGROUP Achieves Sustainability Vision with the 20th Solar Panel Installation in Cikarang
FIFGROUP meresmikan pemasangan solar panel di Kantor Cabang FIFGROUP inaugurated the installation of solar panels at the Cikarang Branch
Cikarang, Jawa Barat, sebagai salah satu program keberlanjutan yang Office in West Java as part of its sustainability program aimed at supporting
bertujuan untuk mendukung kelestarian dan keberlanjutan lingkungan the preservation and sustainability of the environment through emission
hidup melalui inisiatif pengurangan emisi pada operasional bisnis sehari-hari. reduction initiatives in daily business operations. This follows the installation
Kegiatan ini menyusul pemasangan instalasi solar panel yang sebelumnya of solar panels in ten branch offices in 2023, seven branch offices in 2022,
telah dilakukan di sepuluh kantor cabang pada tahun 2023, tujuh cabang di and one branch office in 2019. Thus, as of April 26, 2024, FIFGROUP has
tahun 2022 dan satu cabang di tahun 2019. Dengan demikian, FIFGROUP inaugurated 20 solar panel installations spread across various regions in
sudah memiliki 20 solar panel yang sudah diresmikan sampai dengan Indonesia.
26 April 2024 dan tersebar di berbagai wilayah Indonesia.
26 April 2024 Sambut HUT ke-35, FIFGROUP Jadi Sponsor Utama Kuliner Lampung Festival 2024
April 26, 2024 Welcoming 35th Anniversary, FIFGROUP Becomes the Main Sponsor of Lampung Culinary Festival 2024
Sebagai bagian dari rangkaian menyambut HUT ke-35, FIFGROUP didapuk As part of the 35th anniversary celebration, FIFGROUP was named the main
menjadi sponsor utama untuk acara Kuliner Lampung Festival (KLF) sponsor of the Kuliner Lampung Festival (KLF) 2024. By becoming the main
2024. Dengan menjadi sponsor utama untuk acara tersebut, FIFGROUP sponsor for this event, FIFGROUP shows full support for the preservation
menunjukkan dukungan penuh terhadap upaya pelestarian kuliner dan of Indonesian cuisine and culinary snacks, which are believed to positively
jajanan Indonesia yang diyakini memberikan sejumlah dampak positif bagi impact Lampung’s economy and community.
perekonomian dan masyarakat Lampung.
3 Mei 2024 FIF Terima Fasilitas Pinjaman Berkelanjutan Senilai US$60 Juta
May 3, 2024 FIF Secures a Sustainable Loan Facility Worth US$60 Million
FIF menjalin kerja sama strategis dengan Mizuho Bank, Ltd., MUFG Bank, FIFGROUP has entered a strategic partnership with Mizuho Bank, Ltd., MUFG
Ltd., dan Sumitomo Mitsui Banking Corporation Singapore Branch dalam Bank, Ltd., and Sumitomo Mitsui Banking Corporation Singapore Branch by
bentuk penandatanganan perjanjian fasilitas pinjaman berkelanjutan senilai signing a US$60 million sustainable loan facility agreement. This loan facility
US$60 juta. Fasilitas pinjaman ini merupakan wujud komitmen FIF dalam is a form of FIFGROUP’s commitment to integrating sustainable practices into
mengintegrasikan praktik-praktik berkelanjutan ke dalam operasionalnya, its operations, particularly in financing, aligned with global commitments to
khususnya di sektor pembiayaan, sejalan dengan komitmen global untuk achieve the Sustainable Development Goals (SDGs). The issuance of the ESG
mencapai Tujuan Pembangunan Berkelanjutan (SDGs). Penerbitan ESG Loan is a vital initiative to support the “FIF 2030 Sustainability Aspiration,”
Loan menjadi salah satu inisiatif penting untuk mendukung “FIF 2030 especially in developing a sustainable business portfolio, as well as a form of
Sustainability Aspiration”, khususnya dalam mengembangkan portofolio FIF’s commitment to support the implementation of the Sustainable Finance
bisnis yang berkelanjutan, serta sekaligus menjadi wujud komitmen FIF Roadmap initiated by the Financial Services Authority (FSA)
dalam mendukung implementasi Sustainable Finance Roadmap yang
digagas oleh Otoritas Jasa Keuangan (OJK).
3 Mei 2024 FIFGROUP Resmikan Kampung Berseri Astra (KBA) Binaan Pertama di Kota Depok
May 3, 2024 FIFGROUP Inaugurates the First Assisted Kampung Berseri Astra (KBA) in Depok City
Pelaksanaan kick-off peresmian Kampung Berseri Astra (KBA) Binaan The kick-off event for the inauguration of Kampung Berseri Astra (KBA)
FIFGROUP di Kelurahan Duren Seribu, Kecamatan Bojongsari, Kota Depok. Assisted by FIFGROUP was held in Duren Seribu Subdistrict, Bojongsari
Acara ini dihadiri oleh Director in Charge (DIC) Corporate Communication, District, Depok City. The event was attended by Director in Charge
Enviroment Health Safety & Social Responsibility (EHSSR) & Sustainability (DIC) of Corporate Communication, Environment Health Safety & Social
FIFGROUP, Esther Sri Harjati dan Wali Kota Depok, Mohammad Idris. Responsibility (EHSSR) & Sustainability, Esther Sri Harjati, and the Mayor of
Sebagai bagian yang tidak terpisahkan dari komitmen Grup Astra terhadap Depok, Mohammad Idris. As an integral part of Astra Group’s commitment
pembangunan komunitas, Kelurahan Duren Seribu di Kota Depok ini to community development, Duren Seribu Subdistrict becomes the first KBA
menjadi KBA pertama yang dibina secara langsung oleh FIFGROUP. Melalui directly assisted by FIFGROUP. Through this program, FIFGROUP aims to
pelaksanaan KBA Binaan, FIFGROUP berupaya mengembangkan potensi develop the sustainability potential of the quality of life of the residents of
keberlanjutan dari kualitas hidup warga Kelurahan Duren Seribu, serta Duren Seribu Subdistrict, as well as to contribute to the alleviation of social
sekaligus berkontribusi terhadap pengentasan isu sosial dan lingkungan di and environmental issues in the area through a number of initiatives from the
daerah melalui sejumlah inisiatif dari keempat pilar CSR FIFGROUP, yakni four FIFGROUP’s CSR pillars, namely FIFGROUP Sehat, FIFGROUP Pintar,
FIFGROUP Sehat, FIFGROUP Pintar, FIFGROUP Sejahtera, dan FIFGROUP FIFGROUP Sejahtera, and FIFGROUP Lestari.
Lestari.
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Sustainability Highlights
18 Mei 2024 Pulau Pramuka Tanpa Sampah, FIFGROUP bersama Masyarakat Bersihkan Pantai
May 18, 2024 Pramuka Island Free of Trash, FIFGROUP and the Local Community Clean the Beach
Sebagai bentuk kepedulian terhadap kelestarian lingkungan, FIFGROUP As a form of concern for environmental preservation, FIFGROUP organized
mengadakan kegiatan bersih-bersih kawasan pantai atau Beach Clean a beach cleanup activity at Pramuka Island, Kepulauan Seribu, Jakarta. This
Up di Pulau Pramuka, Kepulauan Seribu, Jakarta. Kegiatan ini digelar event was hosted by the Environment, Health, Safety, Social Responsibility
oleh Environment, Health, Safety, Social Responsibility & Sustainability & Sustainability Management (EHSSR-SM) Department, FIFGROUP’s
Management (EHSSR-SM) Department FIFGROUP, Unit Kegiatan Karyawan Employee Activity Unit (UKK) Discovery Society, and an environmental non-
(UKK) FIFGROUP Discovery Society, dan sebuah lembaga swadaya governmental organization named Divers Clean Action. The implementation
masyarakat di bidang lingkungan, Divers Clean Action. Pelaksanaan of this activity was part of the 35th-anniversary celebrations, as well as a
kegiatan ini menjadi rangkaian dari HUT ke-35, serta menjadi bukti nyata concrete proof of FIFGROUP’s full support for the government’s program
atas dukungan penuh FIFGROUP terhadap program Pemerintah dalam to reduce plastic waste by 70% by 2025. Additionally, the Beach Cleanup
menanggulangi pengurangan sampah plastik sebanyak 70% pada tahun activity is also a manifestation of FIFGROUP #CARE campaign which is part
2025. Selain itu, Beach Clean Up ini juga menjadi perwujudan dari of #CAREforGreenLiving activities, as well as a form of implementation of
kampanye FIFGROUP #CARE yang merupakan bagian dari kegiatan SDGs and Astra 2030 Sustainability Aspiration.Titled “FIFGROUP ber-A.K.S.I
#CAREforGreenLiving serta bentuk implementasi SDGs dan Astra 2030 (Ayo Kurangi Sampah Indonesia) untuk Laut” (Let’s Reduce Indonesia’s
Sustainability Aspiration. Kegiatan yang bertajuk “FIFGROUP ber-A.K.S.I Waste for the Ocean), the activity was attended by 80 participants,
(Ayo Kurangi Sampah Indonesia) untuk Laut” ini diikuti oleh 80 peserta consisting FIFGROUP employees, representatives from the Thousand
yang terdiri dari karyawan FIFGROUP bersama Dinas Lingkungan Hidup Islands Environmental Agency, local residents, and Divers Clean Action
Kepulauan Seribu, penduduk setempat, serta pihak Divers Clean Action. representatives.
23 Mei 2024 FIFGROUP 35th LOCALICIOUS Dibuka, Warga Jakarta Bisa Kulineran, Nonton Konser, Hingga Cari Kerja
May 23, 2024 FIFGROUP 35th LOCALICIOUS Opens, Jakarta Residents Can Enjoy Culinary Delights, Concerts, and Job Opportunities
Penyelenggaraan FIFGROUP 35th LOCALICIOUS menjadi puncak perayaan The FIFGROUP 35th LOCALICIOUS event marked the highlight of FIFGROUP’s
HUT ke-35 FIFGROUP yang pada tahun 2024 mengusung tema besar 35th-anniversary celebrations in 2024, with the grand theme “Together
“Bersama Meraih Masa Depan Gemilang”. Rangkaian kegiatan acara Towards a Brilliant Future.” This event series was centered at the East
tersebut dipusatkan di Plaza Parkir Timur Senayan, Gelora Bung Karno, Parking Plaza of Gelora Bung Karno, Senayan, and was open to the public for
serta terbuka untuk umum secara gratis pada 23-26 Mei 2024. Tidak hanya free on May 23 to 26, 2024. Not only serving a variety of Indonesian culinary
menyajikan jajanan kuliner Nusantara, FIFGROUP 35th LOCALICIOUS juga delights, FIFGROUP 35th LOCALICIOUS also featured interesting activities,
menghadirkan sejumlah aktivitas menarik, promo, workshop edukatif, hingga promos, educational workshops, and job opportunities.
lowongan pekerjaan.
6 Juni 2024 Rangkaian HUT ke-35, FIFGROUP Salurkan Rp3,5 Miliar Dana Bergulir Bagi 800 UMKM
June 6, 2024 As Part of Its 35th Anniversary, FIFGROUP Distributes Rp3.5 Billion in Revolving Funds to 800 MSMEs
Kontribusi nyata terhadap pilar Public Contribution dalam program CSR A tangible contribution to the Public Contribution pillar in the FIFGROUP
FIFGROUP Sejahtera ditunjukkan FIFGROUP dengan memberikan Sejahtera CSR program was demonstrated by FIFGROUP by providing full
dukungan penuh terhadap Usaha Mikro, Kecil, dan Menengah (UMKM) support to Micro, Small, and Medium Enterprises (MSMEs) in the form of
dalam bentuk penyaluran dana bergulir tanpa bunga kepada 800 UMKM interest-free revolving funds given to 800 MSMEs in 2024, amounting to a
di tahun 2024 dengan total senilai Rp3,5 miliar. Program ini dimulai dengan total of Rp3.5 billion. This program began with a Kick Off UMKM (MSMEs Kick
Kick Off UMKM bertajuk “UMKM Tangguh, Ekonomi Tumbuh” yang berlokasi Off) event entitled “Resilient MSMEs, Growing Economy” held at FIF Tower,
di Menara FIF, Jakarta Selatan. Dalam menyelenggarakan acara tersebut, South Jakarta. In organizing this event, FIFGROUP collaborated with several
FIFGROUP berkolaborasi dengan sejumlah yayasan di bawah Grup Astra, Astra Group foundations, such as Dharma Bhakti Astra Foundation, Astra
seperti Yayasan Dharma Bhakti Astra, Yayasan Pendidikan Astra Michael Michael D. Ruslim Education Foundation, Astra Honda Motor Foundation,
D. Ruslim, Yayasan Astra Honda Motor, Yayasan Amaliyah Astra, serta juga and Amaliyah Astra Foundation, as well as non-Astra foundations and local
bekerja sama dengan yayasan non-Astra dan pemerintah daerah. governments.
10 Juni 2024 FIFGROUP Gandeng YKPI Edukasi Deteksi Dini Kanker Payudara
June 10, 2024 FIFGROUP Partners with YKPI to Provide Breast Cancer Early Detection Education
Melalui kolaborasi bersama Yayasan Kanker Payudara Indonesia (YKPI), In collaboration with the Indonesian Breast Cancer Foundation (YKPI),
FIFGROUP menggelar seminar bertajuk “Edukasi Deteksi Dini Kanker FIFGROUP held a seminar titled “Education on Early Detection of Breast
Payudara dan Praktik SADARI” secara hybrid yang dihadiri oleh 50 peserta Cancer and SADARI Practice.” This hybrid event was attended by 50 in-
secara langsung di lantai 12 Menara FIF, Jakarta Selatan dan lebih dari 200 person participants on the 12th floor of FIF Tower, South Jakarta, and more
peserta hadir secara online. Turut hadir dalam seminar tersebut, antara lain than 200 online participants. Among the speakers were Linda Agum
Ketua Yayasan Kanker Payudara Indonesia (YKPI), Linda Agum Gumelar, Gumelar, Chairperson of YKPI; Dr. Agus Sutarman, Sp.B. Subsp. Onk (K), SH,
Dr. Agus Sutarman, Sp.B. Subsp. Onk (K), SH,MH,MARS yang bertindak MH, MARS; and Director of FIFGROUP, Esther Sri Harjati. This initiative is
sebagai pembicara seminar, serta Direktur FIFGROUP, Esther Sri Harjati. believed to provide positive benefits to participants, particularly in advancing
Pelaksanaan kegiatan ini diyakini membawa manfaat positif bagi para SDGs Goal 3 (Good Health and Well-being), Goal 5 (Gender Equality), and
peserta terutama dalam mewujudkan SDGs poin 3 tentang Kesehatan Goal 17 (Partnerships for the Goals).
yang Baik dan Kesejahteraan, poin 5 tentang Kesetaraan Gender, dan poin
17 tentang (Kemitraan untuk Mencapai Tujuan).
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18 Juni 2024 Berbagi Berkah Idul Adha: FIFGROUP Tebar 3 Sapi dan 453 Kambing ke Berbagai Penjuru Negeri
June 18, 2024 Sharing the Blessings of Eid al-Adha: FIFGROUP Distributes 3 Cows and 453 Goats Across the Nation
FIFGROUP kembali menyemai kebaikan kepada masyarakat luas melalui FIFGROUP continued to spread goodness to the wider community
program FIFGROUP Peduli Tebar Kurban Nusantara. Dalam rangka through the FIFGROUP Peduli Tebar Kurban Nusantara (Nusantara Qurban
menyambut hari raya Idul Adha, FIFGROUP membagikan 456 hewan kurban Distribution) program. In welcoming Eid al-Adha, FIFGROUP distributed 456
yang terdiri dari 3 ekor sapi dan 453 ekor kambing, atau setara dengan total sacrificial animals consisting of 3 cows and 453 goats, equivalent to a total
nilai penyaluran hewan kurban sebesar Rp1,825 miliar yang pengguaan dana value of Rp1.825 billion, funded through FIFGROUP’s Sharia Social Fund. The
nya berasal dari Dana Sosial Syariah FIFGROUP. Kegiatan penyaluran hewan distribution of sacrificial animals further confirmed FIFGROUP’s commitment
kurban ini semakin menegaskan komitmen FIFGROUP dalam mendukung to supporting FIFGROUP 2030 Sustainability Aspirations by implementing
FIFGROUP 2030 Sustainability Aspirations yang diwujudkan melalui social programs that positively impact people’s lives, aligned with SDGs Goal
pelaksanaan program-program sosial yang berdampak pada kehidupan 2: Zero Hunger.
masyarakat, sejalan dengan SDGs poin ke-2, yaitu Mengakhiri Kelaparan.
11 Juli 2024 FIFestival Street Food 2024: Sajikan Hidangan Nusantara UMKM Binaan FIFGROUP
July 11, 2024 FIFestival Street Food 2024: Serving Local Culinary Delights by FIFGROUP-Assisted MSMEs
Dalam rangka mendukung pengembangan bisnis para pelaku UMKM, In order to support the business development of Micro, Small, and Medium
FIFGROUP untuk kedua kalinya menghadirkan program yang bertujuan Enterprises (MSMEs), FIFGROUP for the second time presented a program
untuk meningkatkan branding dan penjualan produk UMKM binaannya, aimed at improving the branding and sales of its assisted MSMEs products,
yaitu FIFestival Street Food 2024. namely FIFestival Street Food 2024.
11 Juli 2024 Tingkatkan Kesadaran Kanker, FIFGROUP Gelar Edukasi dan Deteksi Dini
July 11, 2024 Raising Cancer Awareness, FIFGROUP Holds Education and Early Detection Program
Melanjutkan rangkaian acara dari HUT ke-35 FIFGROUP, Perseroan bekerja Continuing the series of events for FIFGROUP’s 35th Anniversary, the
sama Puskesmas Cilandak, Jakarta Selatan menggelar Talkshow Deteksi Company had collaborated with the Cilandak Public Health Center, South
Dini Kanker Serviks yang diikuti dengan kegiatan deteksi dini kanker leher Jakarta, held a Talkshow on Early Detection of Cervical Cancer which was
rahim (serviks) dengan metode Inspeksi Visual Asam Asetat (IVA) dan followed by early detection activities for cervical cancer using the Visual
Human Papillomavirus atau HPV DNA Test, serta SADANIS (Pemeriksaan Inspection with Acetic Acid (VIA) method and the Human Papillomavirus
Payudara Klinis) bagi karyawan internal FIFGROUP dan masyarakat sekitar (HPV) DNA Test, as well as SADANIS (Pemeriksaan Payudara Klinis/
ring 1. Clinical Breast Examination) for FIFGROUP’s internal employees and the
surrounding community within Ring 1.
13 Juli 2024 Peringati Hari Raya Waisak 2568 BE, FIFGROUP Salurkan Bantuan Sosial di Berbagai Daerah di Indonesia
July 13, 2024 Celebrating Vesak Day 2568 BE, FIFGROUP Distributes Social Assistance in Various Regions in Indonesia
Sebagai wujud kepedulian sosial dan penghormatan dalam menyambut As a form of social concern and respect in welcoming Vesak Day 2568
Hari Raya Waisak 2568 BE, FIFGROUP memberikan bantuan sosial senilai BE, FIFGROUP provided social assistance worth Rp35 million to five
Rp35 juta kepada 5 (lima) panti asuhan dan rumah ibadah Vihara yang orphanages and Viharas spread across various regions in Indonesia.
tersebar di beberapa wilayah Indonesia.
15 Juli 2024 FIFGROUP Resmikan Pemasangan Solar Panel ke-3 di 2024, Sebagai Misi Keberlanjutan Perusahaan
July 15, 2024 FIFGROUP Installs Its 3rd Solar Panel of 2024, as the Company’s Sustainability Mission
Komitmen FIFGROUP terhadap keberlanjutan kembali ditunjukkan melalui FIFGROUP’s commitment to sustainability was once again demonstrated
aktivitas pemasangan solar panel ke-21 berkapasitas 10,8 kWp, di Kantor through the installation of its 21st solar panel system with a capacity of 10.8
FIFGROUP Cabang Palangkaraya. Cabang Palangkaraya menjadi yang ke- kWp at the FIFGROUP Palangkaraya Branch Office. The Palangkaraya
3, menyusul 2 (dua) pemasangan sebelumnya di bulan April 2024 yang Branch became the third location, following 2 (two) prior installations in
berlokasi di FIFGROUP Cabang Serang dan Cabang Cikarang. April 2024 at the FIFGROUP Serang Branch Office and Cikarang Branch
Office.
24 Juli 2024 Implementasi Misi Keberlanjutan, FIFGROUP Pasang Solar Panel Ke-22 di Palu
July 24, 2024 Implementation of Sustainability Mission: FIFGROUP Installs 22nd Solar Panel in Palu
FIFGROUP kembali meresmikan pemasangan solar panel ke-22 FIFGROUP inaugurated its 22nd solar panel system with a capacity of 10.8
berkapasitas 10,8 kWp, di Kantor FIFGROUP Cabang Palu. Pemasangan kWp at the FIFGROUP Palu Branch Office. This solar panel installation
panel surya ini menjadi bukti atas dukungan nyata FIFGROUP dalam serves as proof of FIFGROUP’s real support in reducing greenhouse gas
mengurangi emisi gas rumah kaca dan komitmen transisi menuju energi emissions and transitioning toward environmentally friendly energy.
ramah lingkungan.
29 Juli 2024 FIFGROUP Dorong UMKM Lewat Workshop Media Sosial
July 29, 2024 FIFGROUP Empowers MSMEs Through Social Media Workshops
Sebagai langkah lanjutan dari Kick Off UMKM, FIFGROUP menyelenggarakan As a follow-up to the Kick-Off UMKM (MSMEs Kick-Off) event, FIFGROUP
acara UMKM Development Journey 2024 berupa workshop yang diikuti organized the MSMEs Development Journey 2024, featuring a workshop
oleh sejumlah peserta yang merupakan pelaku UMKM Binaan FIFGROUP. attended by participants from FIFGROUP-Assisted MSMEs. This Phase 1
Workshop UMKM Tahap 1 ini diharapkan dapat memberikan cakrawala dan MSMEs Workshop is expected to provide new perspectives and insights as
gambaran baru serta mendorong semangat para pelaku UMKM Binaan well as boost the enthusiasm of all participants from FIFGROUP-Assisted
FIFGROUP. MSMEs.
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6 Agustus 2024 Dorong Komitmen Keberlanjutan, Pemasangan Panel Surya FIFGROUP ke-23 Berlanjut di Kota Lampung
August 6, 2024 Advancing Sustainability Commitment, FIFGROUP Continues Installation of 23rd Solar Panel in Lampung
Sebagai salah satu anak perusahaan PT Astra International Tbk, FIFGROUP As one of the subsidiaries of PT Astra International Tbk, FIFGROUP
kembali melanjutkan inisiatifnya terkait pemasangan panel surya continued its initiative related to the installation of solar panels with a
berkapasitas 10,8 kWp di Kantor FIFGROUP Cabang Lampung. capacity of 10.8 kWp at the FIFGROUP Lampung Branch Office.
8 Agustus 2024 Inovasi Berkelanjutan: FIFGROUP Sukses Pasang Solar Panel ke-24 di Sorong
August 8, 2024 Sustainable Innovation: FIFGROUP Successfully Installs 24th Solar Panel in Sorong
Sebagai bagian dari proses panjang menuju keberlanjutan perusahaan, As part of the long-term process toward corporate sustainability, FIFGROUP
FIFGROUP kembali meresmikan pemasangan solar panel ke-24 berkapasitas inaugurated its 24th solar panel installation with a capacity of 10.8 kWp
10,8 kWp di Kantor FIFGROUP Cabang Sorong, Papua Barat. Pemasangan at the FIFGROUP Sorong Branch Office in West Papua. This solar panel
panel surya ini menunjukkan langkah nyata FIFGROUP sebagai salah satu installation demonstrates FIFGROUP’s concrete efforts as a subsidiary of
anak perusahaan PT Astra International Tbk dan bagian dari Astra Financial PT Astra International Tbk and part of Astra Financial to reduce greenhouse
dalam upaya mengurangi emisi gas rumah kaca dan transisi menuju energi gas emissions and transition toward environmentally friendly energy.
ramah lingkungan.
15 Agustus 2024 Jejakkan Kaki di Desa Sejahtera Astra, Bawa Pulang Pengalaman Pedesaan Bersama
August 15, 2024 Step into Desa Sejahtera Astra, Take Home Rural Experience with FIFGROUP
FIFGROUP menggelar program Sustainability Innovation Ideas (SII) & Media FIFGROUP launched the Sustainability Innovation Ideas (SII) & Media
Experiential Journey 2024 sebagai bentuk penghargaan bagi karyawan Experiential Journey 2024 program as a form of appreciation for
dan upaya membangun network akan komitmen serta kontribusi terbaik its employees and an effort to build a network of FIFGROUP’s best
FIFGROUP dalam menjawab aspirasi keberlanjutan sebagai salah satu commitment and contribution in answering sustainability aspirations as
anak perusahaan PT Astra International Tbk. Pada ajang SII, FIFGROUP one of the subsidiaries of PT Astra International Tbk. At the SII event,
terus berupaya meningkatkan kepedulian dan peran serta setiap karyawan FIFGROUP continues to enhance awareness and the role of every
dalam menjunjung aspirasi keberlanjutan bersama Astra melalui program employee in upholding sustainability aspirations together with Astra
FIFGROUP Sustainability Awards (FSA) dan sekaligus menjadi tempat untuk through the FIFGROUP Sustainability Awards (FSA) program and at the
menjalin kebersamaan dengan rekan-rekan media seraya berkontribusi same time become a place to establish solidarity with media partners while
dengan melakukan social action bagi bumi. contributing to social action for the planet.
23 Agustus 2024 Aksi FIFGROUP untuk Anak Sehat, Educlean di Kampung Berseri Astra (KBA) Bojongsari
August 23, 2024 FIFGROUP’s Actions for Healthy Children, Educlean at Kampung Berseri Astra (KBA) Bojongsari
Melalui kolaborasi bersama Puskesmas Bojongsari, FIFGROUP Through a collaboration with the Bojongsari Public Health Center,
menyelenggarakan kegiatan Educlean di Kampung Berseri Astra (KBA) Binaan FIFGROUP held the Educlean activity in the Kampung Berseri Astra (KBA)
FIFGROUP yang berlokasi di Kelurahan Duren Seribu, Kecamatan Bojongsari, assisted by FIFGROUP, located at Duren Seribu Subdistrict, Bojongsari
Kota Depok. Pelaksanaan kegiatan ini bertujuan untuk memberikan edukasi District, Depok City. The implementation of this activity aimed to provide
kesehatan kepada anak-anak Pendidikan Anak Usia Dini (PAUD) mengenai health education to Early Childhood Education (PAUD) children about
kebersihan gigi dan tangan. Kegiatan ini merupakan bagian dari program CSR dental and hand hygiene. This activity is part of the CSR program under
pada pilar FIFGROUP Sehat untuk mendukung ESG Goals serta mewujudkan FIFGROUP Sehat pillar to support ESG Goals and achieve the SDGs Goal 3,
ketercapaian SDGs ke-3, yaitu Kehidupan Sehat dan Sejahtera. namely Good Health and Well-being.
23 Agustus 2024 FIFGROUP Raih Penghargaan Indonesia Best Workplace for Women 2024
August 23, 2024 FIFGROUP Wins Indonesia Best Workplace for Women 2024
FIFGROUP menerima penghargaan “Indonesia Best Workplace for FIFGROUP received the “Indonesia Best Workplace for Women 2024
Women 2024 in Encouraging Employee Welfare and Equality Category in Encouraging Employee Welfare and Equality Category Multifinance”
Multifinance”. Apresiasi ini diberikan kepada perusahaan yang sudah award. This appreciation was given to companies that have implemented
menerapkan praktik terbaik di setiap sektor industri yang mengakui dan best practices in every industrial sector that acknowledge and support the
mendukung perlindungan dan pemenuhan hak bagi pekerja perempuan. protection and fulfillment of rights for women workers.
FIFGROUP Gelar Customer Gathering di Yogyakarta: Berikan Apresiasi dan Edukasi Literasi Keuangan
24 Agustus 2024 untuk konsumen Setia
August 24, 2024 FIFGROUP Hosts Customer Gathering in Yogyakarta: Providing Appreciation and Financial Literacy
Education for Loyal Consumers
FIFGROUP mengadakan kegiatan Customer Gathering di Yogyakarta FIFGROUP organized a Customer Gathering event in Yogyakarta as part
sebagai bagian dari rangkaian acara FIFGROUP Grebeg Cabang. Kegiatan of the FIFGROUP Grebeg Branch series of activities. This event was held
ini diselenggarakan sebagai wujud apresiasi kepada konsumen setia as a form of appreciation for loyal FIFGROUP customers and also provided
FIFGROUP, serta juga memberikan edukasi mengenai hak dan kewajiban education about consumer rights and obligations as well as personal data
konsumen serta perlindungan data pribadi. protection.
26 Agustus 2024 Teruskan Inovasi Berkelanjutan: FIFGROUP Resmikan Solar Panel ke-25 di Pontianak 1
August 26, 2024 Continuing Sustainable Innovation: FIFGROUP Inaugurates 25th Solar Panel in Pontianak 1
FIFGROUP terus melanjutkan komitmennya dalam mendorong keberlanjutan FIFGROUP continues its commitment to corporate sustainability by
perusahaan melalui peresmian instalasi solar panel di Kantor FIFGROUP inaugurating the solar panel installation at the FIFGROUP Pontianak
Cabang Pontianak, Kalimantan Barat. Pada kesempatan yang sama, Branch Office in West Kalimantan. On the same occasion, the company
Perseroan juga memberikan bantuan sembako kepada masyarakat yang also provided basic food packages to the local community within Ring 1 of
berada di ring 1 kantor FIFGROUP Cabang Pontianak yang mana kegiatan the FIFGROUP Pontianak Branch Office, with the event being represented
tersebut turut diwakili pejabat RT dan warga setempat. by neighborhood officials and local residents.
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28 Agustus 2024 Dorong Komitmen Keberlanjutan, Pemasangan Panel Surya FIFGROUP ke-25 Berlanjut di Kota Batam
August 28, 2024 Advancing Sustainability Commitment, FIFGROUP Continues Installation of 25th Solar Panel in Batam City
Komitmen FIFGROUP dalam menekan jejak karbon di lingkungan yang FIFGROUP’s commitment to reducing the carbon footprint resulting
timbul dari operasional bisnis setiap harinya terus diupayakan melalui from its daily business operations continues to be pursued through the
pemasangan panel surya di kantor-kantor cabang. Batam menjadi installation of solar panels at branch offices. Batam became the 5th city in
kota ke-5 di tahun 2024 yang melaksanakan inisiatif pemasangan 2024 to implement the solar panel installation initiative in the FIFGROUP
panel surya di jaringan kantor FIFGROUP. Pada kesempatan yang sama, office network. On the same occasion, FIFGROUP also distributed social
FIFGROUP turut menyalurkan bantuan sosial sebesar Rp9,4 juta kepada assistance worth Rp9.4 million to the local community residing near the
masyarakat tinggal di area kantor FIFGROUP Cabang Batam. FIFGROUP Batam Branch Office.
28 Agustus 2024 Hajatan FIFGROUP Spesial Road to Hari Pelanggan: Bentuk Apresiasi Konsumen Setia di Surabaya
August 28, 2024 FIFGROUP Special Event Road to Customer Day: Appreciating Loyal Customers in Surabaya
Sebagai bentuk apresiasi kepada para konsumen setia, FIFGROUP As a token of appreciation to loyal customers, FIFGROUP held the
mengadakan Hajatan FIFGROUP Spesial Road to Hari Pelanggan di Kantor FIFGROUP Special Road to Customer Day celebration at the FIFGROUP
FIFGROUP Cabang Rungkut, Surabaya, Jawa Timur. Rungkut Branch Office in Surabaya, East Java.
2 - 28 Agustus 2024 Dorong Komitmen Keberlanjutan, Pemasangan Panel Surya ke-25 FIFGROUP Berlanjut di Kota Batam
August 2-28, 2024 Advancing Sustainability Commitment, FIFGROUP Continues Installation of 25th Solar Panel in Batam City
FIFGROUP kembali menunjukkan komitmen kuat untuk mengurangi FIFGROUP reaffirmed its strong commitment to reducing carbon footprints
jejak karbon dan meningkatkan efisiensi penggunaan energi di dalam and improving energy efficiency in its business operations through the
operasional bisnisnya melalui pemasangan panel surya berkapasitas 10,8 installation of a 10.8 kWp solar panel at the FIFGROUP Batam Branch Office.
kWp di Kantor FIFGROUP Cabang Batam.
26 September 2024 FIFGROUP dan Asuransi Astra Resmikan Masjid di Lombok Pasca Gempa
September 26, 2024 FIFGROUP and Astra Insurance Inaugurate Mosque in Lombok After the Earthquake
FIFGROUP melalui brand AMITRA berkolaborasi bersama Asuransi Astra Through the AMITRA brand, FIFGROUP collaborated with Astra Insurance
meresmikan Masjid Baitul Hijrah di Dusun Tuti, Lombok Utara sebagai to inaugurate the Baitul Hijrah Mosque in Tuti Hamlet, North Lombok, as a
bentuk respons atas kerusakan akibat gempa bumi yang melanda di response to the damage caused by the earthquake in 2018. The mosque’s
tahun 2018. Konstruksi bangunan masjid dirancang ramah gempa untuk construction was designed to be earthquake-resistant to enhance safety
meningkatkan keamanan dan kenyamanan ibadah masyarakat Lombok dan and comfort for the Lombok community’s worship. The construction was
pembangunannya menggunakan Dana Sosial Syariah senilai Rp430 juta funded with a Sharia Social Fund of Rp430 million, with FIFGROUP and
yang dikontribusikan dari FIFGROUP dan Asuransi Astra sebesar Rp215 juta. Astra Insurance contributing Rp215 million each.
Tingkatkan Keselamatan Berkendara, FIFGROUP Berkolaborasi Bersama AHM Selenggarakan Training
2 Oktober 2024 Safety Riding
October 2, 2024 mproving Road Safety, FIFGROUP Collaborates with AHM to Conduct Safety Riding Training
FIFGROUP bekerja sama dengan PT Astra Honda Motor (AHM) FIFGROUP held a Safety Riding Training as part of the FIFGROUP CARE
mengadakan Training Safety Riding sebagai bagian dari program program, in collaboration with PT Astra Honda Motor (AHM). This event
FIFGROUP CARE. Pelaksanaan kegiatan ini dilakukan di main dealer took place at the PT Wahana Makmur Sejati (WMS) main dealer in Tangerang
PT Wahana Makmur Sejati (WMS), Kota Tangerang dan diikuti oleh 42 City and was attended by 42 FIFGROUP field employees. During the event,
karyawan lapangan FIFGROUP. Dalam acara tersebut, para peserta participants received both theoretical and practical training, including safe
mendapatkan pelatihan teori dan praktik, termasuk teknik keselamatan riding techniques such as braking, cornering, and how to anticipate road
berkendara, seperti pengereman, menikung, dan cara mengantisipasi hazards. In an effort to support the Occupational Safety and Health (K3)
bahaya di jalan raya. Dalam upaya mendukung budaya Keselamatan dan culture, FIFGROUP introduced the Bung Aman (Aktif Mendukung Aksi
Kesehatan Kerja (K3), FIFGROUP memperkenalkan maskot Bung Aman Keselamatan/Actively Supporting Safety Action) mascot which symbolizes
(Aktif Mendukung Aksi Keselamatan) yang menjadi simbol komitmen the Company’s commitment to safety.
perusahaan terhadap keselamatan.
10 Oktober 2024 Dorong Bisnis Mitra UMKM, FIFGROUP Resmikan Pojok FINATRA
October 10, 2024 Supporting MSME Partner Businesses, FIFGROUP Inaugurates Pojok FINATRA
FIFGROUP meluncurkan program Pojok FINATRA yang secara simbolis FIFGROUP launched the FINATRA Corner (Pojok FINATRA) program, which
diresmikan di kantor Cabang FIFGROUP Depok II. Program ini hadir sebagai was symbolically inaugurated at the FIFGROUP Depok II Branch Office. This
inisiatif terbaru FIFGROUP yang bertujuan untuk mendukung UMKM dalam program is the latest initiative from FIFGROUP aimed at supporting MSMEs
mengembangkan bisnis mereka melalui lapak atau toko yang disediakan in developing their businesses through stalls or shops provided for loyal
bagi pelanggan setia Finatra. Pada tahun 2024, Pojok FINATRA telah hadir Finatra customers. In 2024, FINATRA Corner has been established in 4 (four)
di 4 (empat) kota besar, yaitu Jabodetabek, Surabaya, Yogyakarta, dan major cities: Jabodetabek, Surabaya, Yogyakarta, and Cilegon. Through
Cilegon. Melalui kolaborasi dan dukungan yang berkelanjutan, FIFGROUP sustainable collaboration and support, FIFGROUP hopes to contribute to a
berharap dapat berkontribusi terhadap pertumbuhan ekonomi Indonesia more inclusive and sustainable economic growth in Indonesia.
yang lebih inklusif dan berkelanjutan.
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22 Oktober 2024 Hutan FIFGROUP Dorong Pengurangan Emisi dan Penguatan Ekonomi Lokal
October 22, 2024 Hutan FIFGROUP Supports Emission Reduction and Strengthens Local Economy
Komitmen FIFGROUP dalam mendukung keberlanjutan lingkungan dan FIFGROUP’s commitment to supporting environmental sustainability and
pengurangan dampak krisis iklim ditunjukkan melalui peluncuran Hutan reducing the impact of the climate crisis was demonstrated through the
FIFGROUP seluas 20 hektar yang terletak di Wilayah Perhutanan Sosial launch of Hutan FIFGROUP (FIFGROUP Forest), a 20-hectare area located
Desa Jayamekar, Kabupaten Garut, Jawa Barat. Dalam program tersebut, in the Social Forestry Area of Jayamekar Village, Garut Regency, West Java.
lebih dari 25.000 bibit pohon ditanam oleh FIFGROUP bersama masyarakat In this program, over 25,000 tree seedlings were planted by FIFGROUP
sekitar untuk mendukung keberlanjutan lingkungan. Acara peresmian together with the local community to support environmental sustainability.
hutan FIFGROUP dihadiri oleh Direktur FIFGROUP Esther Sri Harjati, PJ The inauguration of Hutan FIFGROUP was attended by Director of
Bupati Garut, Dekan Fakultas Kehutanan dan Lingkungan IPB University, FIFGROUP, Esther Sri Harjati; the Acting Regent of Garut; the Dean of the
serta Kepala Sekolah Menengah Kejuruan Negeri (SMKN) 4 Garut. Dalam Faculty of Forestry and Environment from IPB University; and the Principal
mengelola hutan FIFGROUP, Perseroan berkolaborasi dengan IPB University of SMKN 4 Garut. In managing FIFGROUP Forest, the Company collaborated
terutama dalam menerapkan teknik agroforestri yang mengombinasikan with IPB University, particularly in implementing agroforestry techniques that
penanaman bibit pohon kehutanan, tanaman endemik, dan tanaman combine the planting of forestry seedlings, endemic plants, and productive
produktif. Pendekatan ini memungkinkan kawasan Hutan FIFGROUP untuk crops. This approach allows the Hutan FIFGROUP area to be planted with
ditanami berbagai jenis pohon produktif seperti alpukat, kopi, hingga durian. various types of productive trees such as avocado, coffee, and durian.
Sehingga, selain memperkaya biodiversitas hutan, pada masa panen nanti Therefore, in addition to enriching forest biodiversity, Hutan FIFGROUP is
Hutan FIFGROUP juga diharapkan memberikan dampak ekonomi yang also expected to provide sustainable economic benefits for the community
berkelanjutan bagi masyarakat melalui hasil panen yang diperoleh. during harvest periods through the yield produced.
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
FIFGROUP menggandeng Ibu Kardus dan komunitas ibu rumah tangga FIFGROUP collaborated with “Ibu Kardus” and the local champion housewife
local champion dari Kampung Berseri Astra (Kampung Berseri Astra) community from the dari Kampung Berseri Astra (Astra Prosperous Village)
binaan FIFGROUP dalam kegiatan workshopwaste crafting yang berlokasi assisted by FIFGROUP in a waste-crafting workshop held at the Indonesia
di Indonesia Convention Exhibition (ICE) BSD City, Kabupaten Tangerang, Convention Exhibition (ICE) BSD City, Tangerang Regency, Banten. In
Banten. Selain workshop, FIFGROUP juga mengadakan program “Satu addition to the workshop, FIFGROUP also organized the “One Caring
Aksi Peduli” untuk mendukung fasilitas pendidikan di Indonesia dengan Action” program to support educational facilities in Indonesia by providing
memberikan bantuan pembangunan lapangan sekolah untuk SMKN 1 assistance for building a school yard for SMKN 1 Leuwidamar and a school
Leuwidamar dan ruang UKS untuk SDN 2 Bojong Menteng. health room (UKS) for SDN 2 Bojong Menteng.
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
Dalam rangkaian Rapat Pimpinan (RAPIM) 2025 yang dilaksanakan di During the 2025 Leadership Meeting (RAPIM) series held in Denpasar City,
Kota Denpasar, Bali, FIFGROUP bertempat di kantor FIFGROUP Denpasar Bali, FIFGROUP, headquartered at the FIFGROUP Denpasar office, also
turut menyerahkan bantuan sosial keagamaan senilai Rp210 juta kepada provided religious social assistance worth Rp210 million to representatives
perwakilan pengelola 6 (enam) rumah ibadah dari 5 (lima) agama, yaitu managing six houses of worship from five religions. The recipients included
untuk rumah ibadah Agama Islam Masjid Baitul Muhtarifin dan Masjid Baitul Muhtarifin Mosque and Al Muhajirin Mosque for Islam, the Pantekosta
Al Muhajirin, Agama Kristen Protestan Gereja Pantekosta Tabernakel Tabernacle Maranatha Church for Protestant Christianity, the Saint Peter
Maranatha, Agama Kristen Katolik Paroki Santo Petrus Denpasar, Agama Parish Denpasar Church for Catholic Christianity, Pura Kelaci for Hinduism,
Hindu Pura Kelaci, serta Agama Budha Vihara Dharmayana. Bantuan sosial and Vihara Dharmayana for Buddhism. This assistance was given as an
ini diberikan sebagai wujud ungkapan syukur atas pencapaian tahun expression of gratitude for the achievements of 2024, made possible
2024 sebagai hasil kolaborasi serta dukungan dan kerja sama dengan through collaboration and support from the surrounding community.
masyarakat sekitar.
5 Mahasiswa Terpilih, Siap Jalani Rangkaian Pembekalan Kompetensi melalui Beasiswa FIFGROUP Young
18 November 2024 Leader 2024
November 18, 2024 35 Selected Students Ready to Follow a Series of Competency Training Through FIFGROUP Young Leader
2024 Scholarship Program
FIFGROUP Young Leader (FYL) 2024 berhasil menjaring lebih dari 2.100 The FIFGROUP Young Leader (FYL) 2024 program successfully attracted
pendaftar yang kemudian disaring hingga terpilih menjadi 35 mahasiswa/i more than 2,100 applicants, which were then narrowed down to 35 of
terbaik dari seluruh Indonesia yang berhak atas program Beasiswa FYL 2024 the best university students from all over Indonesia who qualified for
senilai Rp315 juta, di mana masing-masing penerima mendapatkan bantuan the FYL 2024 Scholarship program worth Rp315 million, in which each
beasiswa senilai Rp9 juta secara bertahap. Para Young Leader tidak hanya recipient received scholarship assistance worth Rp9 million in stages. The
mendapatkan beasiswa secara finansial, melainkan juga berkesempatan Young Leaders not only received financial scholarships but also had the
untuk mengikuti program Development Journey selama satu tahun yang opportunity to participate in a one-year Development Journey program
mencakup pengembangan kompetensi bagi para Young Leader. Rangkaian that includes competency development for Young Leaders. The FIFGROUP
gelaran Beasiswa FIFGROUP Young Leader (FYL) 2024 menjadi salah satu Young Leader (FYL) 2024 Scholarship series is a tangible manifestation of
bentuk nyata komitmen FIFGROUP dalam mewujudkan Pembangunan FIFGROUP’s commitment to achieving Sustainable Development Goals,
Berkelanjutan, terutama terhadap penerapan SDGs poin keempat, yaitu particularly the Goal 4 (Quality Education), to ensure inclusive and equitable
Pendidikan Berkualitas untuk menjamin kualitas pendidikan yang inklusif, quality education and promote learning opportunities for all.
merata serta meningkatkan kesempatan belajar untuk semua.
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21 November 2024 FIFGROUP Borong Tiga Penghargaan dalam Indonesia Corporate Sustainability Award 2024
November 21, 2024 FIFGROUP Sweeps Three Awards at the Indonesia Corporate Sustainability Award 2024
Pada ajang Indonesia Corporate Sustainability Award 2024 (ICSA 2024), At the Indonesia Corporate Sustainability Award 2024 (ICSA 2024),
FIFGROUP menerima 3 (tiga) penghargaan bergengsi yang menunjukkan FIFGROUP received 3 (three) prestigious awards that highlight the
kontribusi perusahaan terkait praktik keberlanjutan, antara lain Outstanding Company’s contributions to sustainability practices. These awards included
Senior Leader in Sustainability dianugerahkan kepada Direktur FIFGROUP Outstanding Senior Leader in Sustainability, presented to Director of
- Esther Sri Harjati, Outstanding Leader in Sustainability diberikan kepada FIFGROUP, Esther Sri Harjati; Outstanding Leader in Sustainability, awarded
Environment Health Safety, Social Responsibility and Sustainability to Department Head of Environment Health Safety, Social Responsibility,
Management (EHSSRSM) Department Head FIFGROUP - Charles DW and Sustainability Management (EHSSRSM), Charles DW Simaremare; and
Simaremare, dan Best Practice in SME’s Empowerment. Best Practice in SME’s Empowerment.
28 November 2024 FIFestival Street Food 2024: 25 UMKM Tawarkan Cita Rasa Khas Indonesia
November 28, 2024 FIFestival Street Food 2024: 25 MSMEs Offer Unique Indonesian Flavors
Sebagai bentuk dukungan terhadap pengembangan bisnis para pelaku As a form of support for the business development of MSMEs to offer
UMKM sekaligus dalam rangka menghadirkan pengalaman cita rasa a culinary experience of Indonesian flavors, FIFGROUP organized the
kuliner Nusantara, FIFGROUP kembali menggelar FIFestival Street Food FIFestival Street Food of FIFGROUP-Assisted MSMEs 2024 for the second
UMKM Binaan FIFGROUP 2024 untuk yang kedua kalinya di tahun 2024. time that year. This event featured collaborations with 25 tenants of
Pada kesempatan pagelaran ini, FIFGROUP menggandeng sebanyak 25 MSMEs, an increase compared to the previous year.
tenant UMKM, meningkat dibandingkan tahun sebelumnya.
3 Desember 2024 FIFGROUP dan MPM Honda Jatim Gelar Pelatihan Safety Riding untuk Tingkatkan Keselamatan Berkendara
December 3, 2024 FIFGROUP and MPM Honda East Java Carry Out Safety Riding Training to Enhance Road Safety
Melalui kolaborasi dengan Astra Mitra Pinasthika Mulia (MPM) Honda Jatim, Through a collaboration with Astra Mitra Pinasthika Mulia (MPM) Honda
FIFGROUP menyelenggarakan program FIFGROUP Aman Berlalu Lintas East Java, FIFGROUP implemented the FIFGROUP Aman Berlalu Lintas/
(FABL) berupa pemberian kegiatan pelatihan safety riding yang diikuti Safe Traffic (FABL) program by conducting safety riding training sessions
oleh sebanyak 37 karyawan. Kegiatan ini menjadi wujud nyata dari strategi attended by 37 employees. This initiative is a tangible manifestation of the
People dalam FIFGROUP CARE (Create Action, Rescue Earth) dengan People strategy under FIFGROUP CARE (Create Action, Rescue Earth), with
tagline #CAREforPeople. Pelatihan ini bertujuan untuk meningkatkan the tagline #CAREforPeople. The training aims to increase traffic safety
kesadaran keselamatan berkendara dan mendukung penerapan standar awareness and support the implementation of Occupational Safety and
Keselamatan dan Kesehatan Kerja (K3) bagi karyawan lapangan. Health (K3) standards for field employees.
3 Desember 2024 FIFGROUP Berbagi Kasih Natal dan Tahun Baru untuk 35 Panti Asuhan
December 3, 2024 FIFGROUP Spreads Christmas and New Year Love to 35 Orphanages
Dalam rangka berbagi kebahagiaan dan semangat baru menjelang Natal In an effort to spread joy and new spirit ahead of Christmas and New Year,
dan Tahun Baru, FIFGROUP mengadakan program bantuan sosial senilai FIFGROUP organized a social assistance program worth Rp351 million,
Rp351 juta yang dibagikan untuk 35 panti asuhan di Indonesia sebagai distributed to 35 orphanages across Indonesia as a form of support to
wujud dukungan kepada panti lansia, panti anak, dan yayasan ODGJ. nursing homes, orphanages, and mental health foundations. This program
Program ini melibatkan kunjungan langsung tim Head Office ke tiga panti included direct visits by the Head Office team to three institutions (Werda
(Panti Werda Hana, Panti Asuhan Mekar Lestari, dan Yayasan Kemah Hana Nursing Home, Mekar Lestari Orphanage, and Kemah Peduli Sahabat
Peduli Sahabat Kasih) serta koordinasi 32 panti lainnya oleh tim cabang di Kasih Foundation) and coordinated efforts by branch teams across
seluruh Indonesia. Total bantuan yang disalurkan mencerminkan komitmen Indonesia for the remaining 32 orphanages. The assistance distributed
FIFGROUP dalam mendukung komunitas yang membutuhkan. reflects FIFGROUP’s commitment to supporting communities in need.
Sukses Berikan Layanan Prima, FIFGROUP Raih Tiga Penghargaan dalam Indonesia Customer Experience
5 Desember 2024 Award 2024
December 5, 2024 Successfully Providing Excellent Service, FIFGROUP Earns Three Awards at the Indonesia Customer
Experience Award 2024
FIFGROUP menorehkan prestasi dengan mendapatkan 3 (tiga) penghargaan FIFGROUP achieved notable recognition by winning 3 (three) prestigious
bergengsi di ajang Customer Experience Award 2024 yang diselenggarakan awards at the Customer Experience Award 2024, hosted by SWA in
oleh SWA bersama dengan Business Digest, antara lain penghargaan collaboration with Business Digest. These awards included the Indonesia
“Indonesia Customer Experience Champion 2024” dengan predikat Excellent, Customer Experience Champion 2024 award with Excellent rating, the
FIFASTRA meraih Indonesia Customer Experience (ICX) Award pada Indonesia Customer Experience (ICX) Award in the Motorcycle Financing
kategori Pembiayaan Motor predikat Excellent, dan SPEKTRA mendapatkan category for FIFASTRA with Excellent rating, and the Indonesia Customer
penghargaan Indonesia Customer Experience (ICX) Award untuk kategori Experience (ICX) Award for the Electronics and Household Financing
Pembiayaan Elektronik dan Rumah Tangga yang diberikan dengan predikat category for SPEKTRA with Very Good rating.
Very Good.
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Ikhtisar Keberlanjutan
Sustainability Highlights
6 Desember 2024 Meriah! FIFGROUP Grebeg Cabang Hadir di Batam, Tawarkan Solusi Pembiayaan Mudah, Aman, dan Cepat
December 6, 2024 Exciting! FIFGROUP Grebeg Cabang Comes to Batam, Offering Easy, Safe, and Fast Financing Solutions
Sebagai perusahaan yang bergerak pada penyediaan jasa pembiayaan As a company providing financing services for various needs, FIFGROUP
untuk berbagai kebutuhan, FIFGROUP menggelar acara FIFGROUP held the FIFGROUP Grebeg Cabang event in Batam, the largest city in
Grebeg Cabang di kota terbesar di Kepulauan Riau dan merupakan Kota the Riau Islands and an Industrial City. The event, which took place at the
Industri, Batam. Acara yang berlangsung di Kantor FIFGROUP Cabang FIFGROUP’s Batam Branch Office, was designed to offer practical financing
Batam ini dirancang untuk memberikan solusi pembiayaan yang praktis solutions while strengthening relationships with loyal customers in Batam
sekaligus memperkuat hubungan dengan pelanggan setia di wilayah and its surroundings. On that occasion, FIFGROUP also distributed
Batam dan sekitarnya. Pada kesempatan itu, FIFGROUP turut menyalurkan social fund assistance to the children under the care of Permate Batam
bantuan dana sosial kepada anak-anak binaan Panti Asuhan Yayasan Foundation Orphanage.
Permate Batam.
11 Desember 2024 Mantapkan Langkah Keberlanjutan, Panel Surya ke-27 FIFGROUP Hadir di Pangkal Pinang
December 11, 2024 Strengthening Sustainability Efforts, FIFGROUP’s 27th Solar Panel Installed in Pangkal Pinang
FIFGROUP kembali menegaskan langkah nyata untuk mendukung FIFGROUP reaffirmed its tangible steps to support carbon footprint
pengurangan jejak karbon dan peningkatan efisiensi penggunaan energi. reduction and increase energy efficiency by installing its 27th solar panel
Kali ini, FIFGROUP merealisasikan pemasangan panel surya ke-27 dengan system with a capacity of 10.8 kWp at the FIFGROUP Pangkal Pinang
kapasitas 10,8 kWp di Kantor FIFGROUP Cabang Pangkal Pinang. Pada Branch Office. In 2024, FIFGROUP has installed solar panels at 9 (nine)
tahun 2024, FIFGROUP telah melakukan pemasangan panel surya di branch office locations, including Pangkal Pinang. This step is part of
9 (sembilan) titik lokasi cabang, termasuk Pangkal Pinang. Langkah ini FIFGROUP’s sustainable initiatives to support the transition to renewable
menjadi bagian dari inisiatif berkelanjutan yang dilakukan FIFGROUP energy in Indonesia.
dalam mendukung transisi menuju energi terbarukan di Indonesia.
11 Desember 2024 Sambut Natal 2024, FIFGROUP Bagikan 880 Alkitab di Delapan Gereja
December 11, 2024 Welcoming Christmas 2024, FIFGROUP Distributes 880 Bibles in Eight Churches
Dalam menyambut perayaan Natal 2024, FIFGROUP membagikan In welcoming the 2024 Christmas celebration, FIFGROUP distributed 880
sebanyak 880 Alkitab senilai Rp100 juta kepada umat Kristen Protestan Bibles worth Rp100 million to Protestant and Catholic Christians through
dan Kristen Katolik melalui 8 gereja yang tersebar di berbagai lokasi eight churches located near various FIFGROUP branch offices in Indonesia.
cabang FIFGROUP di Indonesia. Dari total 880 Alkitab yang dibagikan Of the 880 Bibles distributed, 440 were for Protestant Christians, and 440
tersebut, sebanyak 440 Alkitab untuk umat Kristen Protestan dan 440 were Deuterocanonical Bibles for Catholic Christians.
Alkitab Deuterokanonika untuk umat Kristen Katolik.
FIFGROUP Libatkan Total Lebih dari 19.500 Guru dan Siswa dalam Program MENYALA untuk Tingkatkan
13 Desember 2024 Literasi Keuangan di Indonesia
December 13, 2024 FIFGROUP Engages Over 19,500 Teachers and Students in the MENYALA Program to Enhance Financial
Literacy in Indonesia
FIFGROUP terus memperkuat komitmennya untuk meningkatkan literasi FIFGROUP continues to strengthen its commitment to enhancing financial
keuangan masyarakat Indonesia melalui Program MENYALA (Menyuarakan literacy in Indonesia through the MENYALA (Menyuarakan Literasi Melalui
Literasi Melalui Aksi) sebagai bagian dari inisiatif CSR yang menyasar pilar Aksi/Promoting Literacy Through Action) Program as part of a CSR initiative
FIFGROUP Pintar dengan target audiens mencakup guru dan siswa Sekolah under the FIFGROUP Pintar pillar with target audiences including teachers
Menengah Kejuruan (SMK) di seluruh Indonesia. Hingga November 2024, and students of Vocational High Schools (SMK) all over Indonesia. As of
program ini telah melibatkan lebih dari 5.056 guru dan 14.512 siswa dari lebih November 2024, this program has engaged more than 5,056 teachers and
dari 200 sekolah di berbagai wilayah Indonesia, dengan target akhir tahun 14,512 students from over 200 schools nationwide, with a year-end target of
melibatkan 10.915 siswa dan 4.840 guru. involving 10,915 students and 4,840 teachers.
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Penjelasan
Presiden
Direktur
Message from
The President
Director
02
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Siswadi
Presiden Direktur
President Director
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Penjelasan Presiden Direktur
Message from The President Director
Pesan Presiden Direktur [OJK D.1][GRI 2-22]
Message from the President Director [OJK D.1][GRI 2-22]
Tahun 2024 menjadi tonggak penting bagi PT Federal International
Finance (“FIFGROUP” atau “Perseroan”) dalam mewujudkan aspirasi
keberlanjutan. Sebagai bagian dari ekosistem Astra dan sektor
jasa keuangan, Perseroan terus memperkuat komitmen terhadap
pembangunan berkelanjutan yang selaras dengan regulasi serta
kebutuhan pemangku kepentingan. Dengan mengedepankan inovasi,
tata kelola yang kuat, serta tanggung jawab sosial dan lingkungan,
FIFGROUP memastikan pertumbuhan bisnis yang berkelanjutan dan
berdampak positif bagi masyarakat.
The year 2024 is an important milestone for PT Federal International Finance (“FIFGROUP”
or “the Company”) in realizing its sustainability aspirations. As part of the Astra ecosystem
and the financial services sector, the Company continues to strengthen its commitment
to sustainable development in line with regulations and stakeholder needs. By prioritizing
innovation, strong governance, and social and environmental responsibility, FIFGROUP
ensures sustainable business growth that positively impacts community.
Para Pemangku Kepentingan yang Terhormat,
Dear Honorable Stakeholders,
Kebijakan Merespon Tantangan: Strategi Keberlanjutan dalam Mengatasi Tantangan [OJK D.1.A]
Dalam perjalanan menuju keberlanjutan, FIFGROUP dihadapkan pada berbagai tantangan yang muncul
dari dinamika pasar, perkembangan regulasi, serta meningkatnya harapan pemangku kepentingan
terhadap aspek Lingkungan, Sosial, dan Tata Kelola (LST). Sebagai perusahaan jasa keuangan yang
berkomitmen terhadap keberlanjutan, Perseroan menyadari bahwa keberhasilan jangka panjang tidak
hanya ditentukan oleh pertumbuhan bisnis, tetapi juga oleh kemampuan dalam mengelola dampak
sosial dan lingkungan secara bertanggung jawab.
Policy for Responding to Challenges: Sustainability Strategy in Overcoming Challenges [OJK D.1.A]
On its journey toward sustainability, FIFGROUP faces various challenges arising from market dynamics,
regulatory developments, and the increasing stakeholder expectations regarding Environmental,
Social and Governance (ESG) aspects. As a financial services company committed to sustainability, the
Company recognizes that long-term success is determined not only by business growth but also by its
ability to manage social and environmental impacts responsibly.
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Salah satu tantangan utama yang dihadapi adalah One of the key challenges is ensuring that economic
bagaimana memastikan bahwa pertumbuhan ekonomi growth remains aligned with sustainability principles.
yang dihasilkan tetap selaras dengan prinsip keberlanjutan. Stricter sustainable finance regulations, particularly those
Regulasi keuangan berkelanjutan yang semakin ketat, issued by the Financial Services Authority (FSA), require the
terutama yang dikeluarkan oleh Otoritas Jasa Keuangan company to be more proactive in developing comprehensive
(OJK), menuntut perusahaan untuk lebih proaktif dalam sustainability strategies. Additionally, market demand for
mengembangkan strategi keberlanjutan yang menyeluruh. sustainable finance products remains limited, necessitating
Selain itu, permintaan pasar terhadap produk keuangan further efforts to introduce and educate the public on the
berkelanjutan masih terbatas, sehingga membutuhkan benefits of green financing.
upaya lebih lanjut dalam memperkenalkan dan mengedukasi
masyarakat mengenai manfaat pembiayaan hijau.
FIFGROUP juga menghadapi tantangan internal dalam FIFGROUP also faces internal challenges in improving
meningkatkan pemahaman sumber daya manusia mengenai human capital’s understanding of sustainable finance. The
keuangan berkelanjutan. Keberhasilan penerapan strategi successful implementation of sustainability strategies largely
keberlanjutan sangat bergantung pada kesiapan internal depends on internal readiness to understand and implement
dalam memahami dan mengimplementasikan prinsip-prinsip sustainability principles in daily operations. Moreover, the
keberlanjutan dalam operasional sehari-hari. Selain itu, risiko risk of changes in government regulations and policies
perubahan regulasi dan kebijakan pemerintah menjadi is another factor that must be anticipated to ensure the
faktor lain yang perlu diantisipasi agar Perseroan dapat Company can continuously adapt to policy developments
terus menyesuaikan diri dengan perkembangan kebijakan in the financial services sector.
di sektor jasa keuangan.
Untuk menjawab tantangan-tantangan tersebut, FIFGROUP To address these challenges, FIFGROUP has identified
telah mengidentifikasi sejumlah isu material yang menjadi several material issues that are priorities in the 2024
prioritas dalam strategi keberlanjutan tahun 2024. Perseroan sustainability strategy. The Company places sound
menempatkan pengelolaan keuangan yang sehat sebagai financial management as the primary foundation to ensure
fondasi utama untuk memastikan pertumbuhan bisnis sustainable business growth. Furthermore, the development
yang berkelanjutan. Selain itu, pengembangan portofolio of a sustainable loan and investment portfolio is a key
pinjaman dan investasi yang berkelanjutan menjadi fokus focus, with an emphasis on financing for electric vehicles,
utama, dengan mendorong pembiayaan untuk kendaraan solar panels, and support for micro, small and medium
listrik, panel surya, serta dukungan bagi usaha mikro, enterprises (MSMEs) as well as people with disabilities. In
kecil, dan menengah (UMKM) serta disabilitas. Dalam terms of environmental aspect, FIFGROUP strives to reduce
aspek lingkungan, FIFGROUP berupaya menekan emisi greenhouse gas emissions by improving energy efficiency
gas rumah kaca dengan meningkatkan efisiensi energi and increasing the use of renewable energy. Similar efforts
dan memperbanyak penggunaan energi terbarukan. are also applied to water and solid waste management to
Upaya serupa juga diterapkan dalam pengelolaan air minimize the operational impact on the environment.
dan limbah padat, guna mengurangi dampak operasional
terhadap lingkungan.
Dalam aspek sosial, FIFGROUP terus memperkuat In the social aspect, FIFGROUP continues to strengthen its
komitmennya dalam menciptakan lingkungan kerja commitment to fostering an inclusive work environment,
yang inklusif, termasuk membuka kesempatan kerja including providing job opportunities for people with
bagi penyandang disabilitas serta memperkuat program disabilities and strengthening women’s empowerment
pemberdayaan perempuan. Literasi dan inklusi keuangan programs. Financial literacy and inclusion remain a top
juga menjadi perhatian utama, sejalan dengan misi priority, aligning with the Company’s mission to improve
Perseroan untuk meningkatkan kesejahteraan masyarakat community welfare through wider financial access. In
melalui akses keuangan yang lebih luas. Selain itu, program addition, corporate social responsibility programs focusing
tanggung jawab sosial yang mencakup kesehatan, on health, education, community economic development,
pendidikan, pembangunan ekonomi komunitas, dan and environmental conservation continue to be expanded
pelestarian lingkungan terus diperluas guna memberikan to provide a greater positive impact.
dampak positif yang lebih besar.
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Penjelasan Presiden Direktur
Message from The President Director
Untuk mengatasi tantangan-tantangan tersebut, FIFGROUP To overcome these challenges, FIFGROUP has implemented
telah menerapkan berbagai strategi yang mengedepankan a variety of strategies that emphasize innovation and
inovasi dan kolaborasi. Perseroan secara aktif memberikan collaboration. The Company actively conducts internal
sosialisasi dan pelatihan internal guna meningkatkan dissemination and training to enhance employees’
pemahaman karyawan terhadap implementasi keuangan understanding of sustainable finance implementation.
berkelanjutan. Selain itu, FIFGROUP terus mengembangkan Moreover, FIFGROUP continues to develop products and
produk dan layanan yang lebih sesuai dengan permintaan services that better align with market demand, including
pasar, termasuk menyesuaikan skema pembiayaan agar adjusting financing schemes to make them more attractive
lebih menarik bagi pelanggan. Dalam rangka mempercepat to customers. In order to accelerate the adoption of
adopsi teknologi ramah lingkungan, Perseroan juga environmentally friendly technologies, the Company also
memperkuat kemitraan dengan berbagai pihak, termasuk strengthens partnerships with various parties, including the
ekosistem grup Astra dan mitra strategis lainnya. Astra group ecosystem and other strategic partners.
Dari sisi operasional, FIFGROUP semakin mengoptimalkan From an operational perspective, FIFGROUP is increasingly
efisiensi energi serta mengelola dampak lingkungan secara optimizing energy efficiency and managing environmental
lebih terintegrasi. Perseroan telah melakukan penanaman impacts in a more integrated manner. The Company has
pohon sebagai bagian dari strategi carbon offset, serta terus implemented tree planting as part of its carbon offset strategy
mendorong penggunaan energi terbarukan dalam kegiatan and continues to promote the use of renewable energy
bisnisnya. Selain itu, manajemen risiko juga diperkuat guna in its business activities. Additionally, risk management
memastikan ketahanan bisnis dalam menghadapi perubahan has been strengthened to ensure business resilience in
regulasi dan dinamika pasar. Pada tahun 2024, FIFGROUP the face of regulatory changes and market dynamics. In
telah menyusun roadmap manajemen risiko iklim dan rencana 2024, FIFGROUP has developed a climate risk management
implementasi analisis skenario guna mengidentifikasi serta roadmap and an implementation plan for scenario analysis
mengelola risiko terkait perubahan iklim. to identify and manage risks related to climate change.
Penerapan Keuangan Berkelanjutan: Pencapaian Implementation of Sustainable Finance: Sustainability
Kinerja Keberlanjutan Tahun 2024 [OJK D.1.B] Performance Achievements in 2024 [OJK D.1.B]
Selama tahun 2024, FIFGROUP terus menunjukkan kinerja Throughout 2024, FIFGROUP has consistently demonstrated
keberlanjutan yang kuat di berbagai aspek, mencerminkan strong sustainability performance across various aspects,
komitmen Perseroan dalam menciptakan pertumbuhan reflecting the Company’s commitment to fostering inclusive
ekonomi yang inklusif, menjaga keseimbangan lingkungan, economic growth, maintaining environmental balance,
serta memberikan dampak positif bagi masyarakat dan tata and providing a positive impact on community and
kelola perusahaan. corporate governance.
Dari sisi ekonomi, FIFGROUP berhasil mencatat pertumbuhan From an economic perspective, FIFGROUP achieved
yang signifikan dalam berbagai lini pembiayaan. Sepanjang significant growth in multiple financing lines. During 2024,
tahun 2024, Perseroan telah menyalurkan pembiayaan the Company disbursed financing for 1,685,264 new
sepeda motor baru sebanyak 1.685.264 unit, mencerminkan motorcycles, reflecting the growing consumer trust. Multi-
kepercayaan konsumen yang terus meningkat. Selain itu, product, multipurpose, and micro productive financing also
pembiayaan multi produk, multiguna, dan mikro produktif juga experienced growth, with total financing reached 1,521,038
mengalami pertumbuhan dengan total pembiayaan mencapai units, showing FIFGROUP’s contribution to supporting both
1.521.038 unit, menunjukkan kontribusi FIFGROUP dalam consumption and productivity needs in community. On
mendukung kebutuhan konsumsi dan produktivitas masyarakat. the other hand, sharia-based financing continued to grow,
Sementara itu, pembiayaan berbasis syariah terus berkembang reaching 22,794 units, in line with the increasing demand
dengan pencapaian 22.794 unit, sejalan dengan meningkatnya for financial products based on sharia principles. Overall,
permintaan terhadap produk keuangan yang berlandaskan FIFGROUP’s income in 2024 amounted to Rp12,153,904 million,
prinsip syariah. Secara keseluruhan, pendapatan FIFGROUP di with a net profit of Rp4,415,534 million, underscoring the
tahun 2024 mencapai Rp12.153.904 juta, dengan laba bersih Company’s resilience in navigating economic dynamics. The
sebesar Rp4.415.534 juta, menegaskan ketahanan bisnis commitment to sustainability is also evident in the increased
Perseroan dalam menghadapi dinamika ekonomi. Komitmen financing for environmentally friendly products, which reached
terhadap keberlanjutan juga tercermin dalam peningkatan Rp11,040 million, demonstrating FIFGROUP’s contribution to
pembiayaan untuk produk ramah lingkungan yang mencapai accelerating the transition toward a green economy.
Rp 11.040 juta, mencerminkan kontribusi FIFGROUP dalam
mempercepat transisi menuju ekonomi hijau.
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Dalam aspek lingkungan, FIFGROUP terus memperkuat In the environmental aspect, FIFGROUP has continuously
upayanya dalam efisiensi energi dan pengelolaan dampak strengthened its efforts in energy efficiency and
lingkungan. Konsumsi energi terbarukan mengalami environmental impact management. Renewable energy
peningkatan signifikan menjadi 17.480.400 MJ, lebih dari consumption increased significantly to 17,480,400 MJ,
dua kali lipat dibandingkan tahun sebelumnya, menunjukkan more than twice as much as the previous year, showing
keberhasilan Perseroan dalam memperluas penggunaan the Company’s success in expanding the use of cleaner
energi yang lebih bersih dan berkelanjutan. Selain itu, and more sustainable energy. Furthermore, the installation
pemasangan panel surya yang dilakukan pada berbagai of solar panels across various operational facilities has
fasilitas operasional berhasil menambah kapasitas energi successfully increased the capacity of renewable energy.
terbarukan yang dihasilkan. Dalam upaya konservasi air, total In water conservation efforts, total water withdrawal reached
pengambilan air mencapai 238.079 liter, dengan langkah- 238,079 liters, with efficiency measures continuously
langkah efisiensi yang terus diterapkan untuk mengurangi implemented to reduce water consumption in operations.
konsumsi air dalam operasional. Di sisi lain, program Moreover, tree planting programs continue to be carried out
penanaman pohon terus dilaksanakan sebagai bagian as part of the biodiversity conservation strategy. In waste
dari strategi konservasi keanekaragaman hayati. Dalam management, FIFGROUP managed to recycle 14,678 kg of
pengelolaan limbah, FIFGROUP berhasil mendaur ulang solid waste, an increase compared to the previous year. The
14.678 kg limbah padat, meningkat dibandingkan tahun total carbon emissions generated amounted to 22,959.35
sebelumnya. total emisi karbon yang dihasilkan mencapai tons CO2e, reflecting a decrease of 1,111.85 tons CO2e.
22.959.35 ton CO2e, dengan penurunan sebesar 1.111,85
ton CO2e.
Dari sisi sosial, FIFGROUP terus berkomitmen dalam From a social perspective, FIFGROUP remains committed
memberikan kontribusi positif bagi masyarakat melalui to delivering positive contributions to community through a
berbagai program tanggung jawab sosial dan peningkatan variety of corporate social responsibility programs and human
kapasitas sumber daya manusia. Sepanjang tahun 2024, capital capacity building initiatives. Throughout 2024, the
Perseroan melaksanakan Corporate Social Responsibility Company conducted Corporate Social Responsibility (CSR)
(CSR) dengan berbagai inisiatif yang berfokus pada activities under 4 main pillars: FIFGROUP Sehat, FIFGROUP
4 pilar yaitu FIFGROUP Sehat, FIFGROUP Pintar, FIFGROUP Pintar, FIFGROUP Sejahtera, and FIFGROUP Lestari. Financial
Sejahtera, dan FIFGROUP Lestari. Program literasi keuangan literacy and MSMEs empowerment programs continued to
dan pemberdayaan UMKM terus diperkuat guna meningkatkan be strengthened to enhance public access to more inclusive
akses masyarakat terhadap layanan keuangan yang lebih financial services. FIFGROUP actively developed employee
inklusif. Selain itu, FIFGROUP secara aktif mengembangkan training programs to improve workforce competencies
program pelatihan bagi karyawan guna meningkatkan and readiness in adapting to industry changes. The total
kompetensi dan kesiapan tenaga kerja dalam menghadapi number of training hours provided reached 220,587
perubahan industri. Jumlah jam pelatihan yang telah diberikan hours, with 12,311 employees participating in various skills
mencapai 220.587 jam, dengan 12.311 karyawan yang telah development programs.
mengikuti berbagai program pengembangan keterampilan.
Dalam aspek tata kelola, FIFGROUP terus memperkuat In terms of governance aspect, FIFGROUP has consistently
penerapan praktik tata kelola perusahaan yang baik guna strengthened its good corporate governance practices to
memastikan keberlanjutan bisnis yang berintegritas dan ensure business sustainability with integrity and transparency.
transparan. Perseroan berhasil mempertahankan nilai The Company successfully maintained a composite score of
komposit 1,00 dalam penilaian Good Corporate Governance 1.00 in the Good Corporate Governance (GCG) assessment,
(GCG), yang menunjukkan bahwa tata kelola perusahaan indicating that corporate governance is in the “Very Healthy”
berada dalam kategori "Sangat Sehat". Selain itu, keterwakilan category. Additionally, the representation of women in senior
perempuan dalam posisi manajemen senior meningkat management positions increased to 25.33%, reflecting
menjadi 25,33%, mencerminkan komitmen FIFGROUP FIFGROUP’s commitment to promoting diversity and
dalam mendorong keberagaman dan inklusivitas dalam inclusivity in corporate leadership. To strengthen governance,
kepemimpinan perusahaan. Sebagai bentuk penguatan the Company has also implemented various international
tata kelola, Perseroan juga telah menerapkan berbagai standard certifications, including ISO 37001:2016 Anti-Bribery
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Penjelasan Presiden Direktur
Message from The President Director
sertifikasi standar internasional, termasuk ISO 37001:2016 Management System and ISO 27001:2013 Information
Sistem Manajemen Anti Penyuapan serta ISO 27001:2013 Security Management System, to ensure compliance with
Sistem Manajemen Keamanan Informasi, guna memastikan regulations and best industry standards.
kepatuhan terhadap regulasi dan standar industri terbaik.
Dengan berbagai pencapaian ini, FIFGROUP terus With these achievements, FIFGROUP continues to solidify
memperkuat posisinya sebagai perusahaan pembiayaan its position as a financing company that is not only focused
yang tidak hanya berorientasi pada pertumbuhan bisnis, on business growth but also committed to delivering
tetapi juga berkomitmen untuk menciptakan dampak positif a positive impact on the environment, community, and
bagi lingkungan, masyarakat, serta tata kelola perusahaan responsible corporate governance. These successes
yang bertanggung jawab. Keberhasilan ini menjadi pijakan serve as a foundation for FIFGROUP to further develop
bagi FIFGROUP untuk terus mengembangkan strategi more progressive sustainability strategies to address future
keberlanjutan yang lebih progresif, guna menjawab challenges and support the achievement of the Sustainable
tantangan masa depan dan mendukung pencapaian Tujuan Development Goals (SDGs).
Pembangunan Berkelanjutan (SDGs).
Strategi Pencapaian Target: Peluang ke Depan Target Achievement Strategy: Future Opportunities
dan Fokus Strategi [OJK D.1.C] and Strategic Focus [OJK D.1.C]
FIFGROUP terus melihat berbagai peluang strategis untuk FIFGROUP continues to explore various strategic opportunities
meningkatkan kinerja keberlanjutannya di masa mendatang. to enhance its sustainability performance in the future. One of
Salah satu faktor utama yang menjadi fokus adalah the key focus areas is Astra’s commitment to achieving Net Zero
komitmen Astra terhadap Net Zero Emission pada tahun Emissions by 2050, which encourages the Company to take a
2050, yang mendorong perusahaan untuk lebih serius dalam more serious approach in managing carbon emissions, including
mengelola emisi karbon, termasuk emisi tidak langsung dalam indirect emissions under Scope 3. With increasing regulations
Scope 3. Dengan meningkatnya regulasi terkait keberlanjutan, related to sustainability, such as carbon trading mechanisms
seperti mekanisme perdagangan karbon dan standar and stricter emission reporting standards, FIFGROUP has the
pelaporan emisi yang semakin ketat, FIFGROUP memiliki opportunity to take part in the carbon market and develop
kesempatan untuk mengambil peran dalam pasar karbon carbon offset strategies. This approach not only helps reduce
serta mengembangkan strategi carbon offset. Pendekatan environmental impact but also creates new economic value
ini tidak hanya membantu mengurangi dampak lingkungan through innovations in green financing solutions.
tetapi juga menciptakan nilai ekonomi baru melalui inovasi
dalam solusi pembiayaan hijau.
Selain itu, manajemen risiko iklim menjadi aspek krusial dalam Furthermore, climate risk management is a crucial aspect
strategi keberlanjutan FIFGROUP. Dengan mengidentifikasi of FIFGROUP’s sustainability strategy. By identifying and
serta mengelola risiko yang terkait dengan perubahan iklim, managing risks related to climate change, the Company can
Perseroan dapat meningkatkan ketahanan bisnisnya dan enhance its business resilience and maintain stakeholder
menjaga kepercayaan pemangku kepentingan. Tahun 2024 trust. The year 2024 marks an important initial step for
menjadi langkah awal yang penting bagi FIFGROUP dalam FIFGROUP in drafting its climate risk management
menyusun roadmap implementasi manajemen risiko iklim serta implementation roadmap and climate change-based
analisis skenario berbasis perubahan iklim. Sebagai bagian dari scenario analysis. As part of this strategy, the Company
strategi ini, Perseroan telah melakukan pemetaan risiko dan has conducted risk mapping and developed internal
menyusun pedoman internal terkait keberlanjutan, memastikan sustainability guidelines, ensuring that environmental aspects
bahwa aspek lingkungan terintegrasi dalam pengambilan are integrated into business decision-making. Moreover,
keputusan bisnis. Selain itu, perusahaan telah menggelar the Company has held IFRS S1 & S2 workshops involving
workshop IFRS S1 & S2 yang melibatkan berbagai divisi terkait various relevant divisions to strengthen its readiness in
guna memperkuat kesiapan perusahaan dalam menerapkan implementing global sustainability reporting standards and
standar pelaporan keberlanjutan global serta mendorong encourage active participation in the Sustainable Finance
partisipasi aktif dalam Sustainable Finance Working Group. Working Group.
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Dalam menghadapi tren pertumbuhan pembiayaan In response to the growing trend of sustainable financing,
berkelanjutan, FIFGROUP melihat peluang besar untuk FIFGROUP has significant opportunities to expand its
memperluas portofolio produknya melalui instrumen product portfolio through green financial instruments such
keuangan hijau seperti obligasi hijau (green bonds) dan as green bonds and sustainability-linked loans. These
pinjaman berbasis keberlanjutan (sustainability-linked loans). instruments enable the Company to fund projects that
Hal ini memungkinkan perusahaan untuk mendanai berbagai contribute to carbon emission reduction and social welfare,
proyek yang berkontribusi terhadap pengurangan emisi including financing for electric vehicles, electric bicycles,
karbon dan peningkatan kesejahteraan sosial, termasuk and renewable energy systems such as solar panels.
pembiayaan kendaraan listrik, sepeda listrik, serta sistem With increasing investor interest in businesses that adopt
energi terbarukan seperti panel surya. Dengan meningkatnya Environmental, Social, and Governance (ESG) principles,
minat investor terhadap bisnis yang mengadopsi prinsip the opportunity to secure sustainability-linked funding is
Environmental, Social, and Governance (ESG), peluang expanding, allowing FIFGROUP to continue growing its
untuk memperoleh pendanaan berbasis keberlanjutan pun green financing portfolio and supporting the transition to a
semakin terbuka, memungkinkan FIFGROUP untuk terus low-carbon economy.
memperluas portofolio pembiayaan hijau dan mendukung
peralihan menuju ekonomi rendah karbon.
Untuk mencapai target keberlanjutan di tahun mendatang, To achieve sustainability targets in the coming years, FIFGROUP
FIFGROUP akan memperkuat penerapan strategi FIFGROUP will strengthen the implementation of the FIFGROUP 2030
2030 Sustainability Aspirations Framework & Initiatives, Sustainability Aspirations Framework & Initiative, which is
yang berlandaskan pada Sustainable Finance Roadmap based on FSA’s Sustainable Finance Roadmap Phase II and
Tahap II OJK serta pedoman Astra 2030 Sustainability Astra’s 2030 Sustainability Aspirations guidelines. This strategy
Aspirations. Strategi ini mencakup pengembangan includes the development of green financing, the strengthening
pembiayaan hijau, penguatan tata kelola keberlanjutan, of sustainability governance, and the optimization of energy
serta optimalisasi pengelolaan energi dan emisi karbon. and carbon emission management. The Company will also
Perseroan juga akan terus memperluas akses keuangan continue expanding financial access for underserved segments,
bagi segmen underserved, termasuk UMKM dan komunitas including MSMEs and communities without access to formal
yang belum memiliki akses ke layanan keuangan formal. financial services. In the operational aspect, sustainability
Dalam aspek operasional, strategi keberlanjutan akan strategies will focus on optimizing energy efficiency, increasing
difokuskan pada optimalisasi efisiensi energi, peningkatan the use of renewable energy, and reducing carbon emissions
penggunaan energi terbarukan, serta pengurangan emisi through technology-based approaches. The Company will
karbon melalui pendekatan berbasis teknologi. Perseroan also expand reforestation and environmental conservation
juga akan memperluas program penghijauan dan konservasi programs, including tree planting and waste recycling initiatives,
lingkungan, termasuk melalui inisiatif penanaman pohon to minimize the ecological impact of its business activities.
dan daur ulang limbah, guna mengurangi dampak ekologis
dari aktivitas bisnisnya.
Dalam aspek tata kelola, FIFGROUP akan memperkuat In terms of governance aspect, FIFGROUP will enhance
transparansi dan akuntabilitas dengan memastikan penerapan transparency and accountability by ensuring the
standar terbaik dalam pengelolaan bisnis. Perseroan akan implementation of best practices in business management.
terus menjaga nilai komposit GCG pada level “Sangat The Company will maintain its GCG composite score at the
Sehat” (1,00) serta mengadopsi standar internasional seperti “Very Healthy” level (1.00) and adopt international standards
ISO 37001:2016 Sistem Manajemen Anti Penyuapan dan such as ISO 37001:2016 Anti-Bribery Management System
ISO 27001:2013 Sistem Manajemen Keamanan Informasi and ISO 27001:2013 Information Security Management
guna meningkatkan integritas bisnis dan perlindungan System to improve business integrity and customer data
data pelanggan. Dengan strategi yang terintegrasi dan protection. With this integrated and comprehensive strategy,
komprehensif ini, FIFGROUP berkomitmen untuk terus FIFGROUP is committed to continuously optimizing its
mengoptimalkan kinerja keberlanjutan, mendukung sustainability performance, supporting the achievement
pencapaian Tujuan Pembangunan Berkelanjutan (Sustainable of Sustainable Development Goals (SDGs), and creating
Development Goals/SDGs), serta menciptakan nilai jangka long-term value for all stakeholders. Through continuous
panjang bagi seluruh pemangku kepentingan. Melalui inovasi innovation and an impact-oriented approach, FIFGROUP
yang berkelanjutan dan pendekatan yang berorientasi pada is optimistic about building a greener, more inclusive, and
dampak positif, FIFGROUP optimis dapat membangun masa sustainable business future.
depan bisnis yang lebih hijau, inklusif, dan berkelanjutan.
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Penjelasan Presiden Direktur
Message from The President Director
Apresiasi Appreciation
Keberhasilan dalam perjalanan keberlanjutan ini tidak The success of this sustainability journey would not have
terlepas dari kerja keras dan dedikasi seluruh jajaran been possible without the hard work and dedication of the
manajemen, karyawan, serta dukungan dari pemegang entire management team, employees, as well as the support
saham, mitra bisnis, dan pelanggan. Kami mengucapkan of shareholders, business partners, and customers. We
terima kasih atas kepercayaan dan kolaborasi yang terjalin, extend our gratitude for the trust and collaboration that have
yang membuat FIFGROUP dapat terus menciptakan dampak been established, enabling FIFGROUP to continue delivering
positif bagi masyarakat dan lingkungan. Dengan semangat a positive impact on community and the environment. With
keberlanjutan, kami optimis dapat melangkah lebih jauh a spirit of sustainability, we are optimistic about taking even
dalam mewujudkan visi dan misi Perseroan. greater steps in realizing the Company’s vision and mission.
Atas nama Direksi,
On behalf of the Board of Directors,
Siswadi
Presiden Direktur
President Director
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Direksi
Board of Directors
Sri Harjati Setia Budi Siswadi
Direktur | Director Direktur | Director Presiden Direktur | President Director
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Penjelasan Presiden Direktur
Message from The President Director
Daniel Hartono Indra Gunawan Valentina Chai Wei Li
Direktur | Director Direktur | Director Direktur | Director
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Strategi
Keberlanjutan
Sustainability
Strategy
03
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Strategi Keberlanjutan [OJK A.1] [GRI 2-22, 2-23, 2-24]
Sustainability Strategy [OJK A.1] [GRI 2-22, 2-23, 2-24]
Penerapan strategi keberlanjutan FIFGROUP melibatkan integrasi tiga pilar utama, yaitu Portfolio,
People, dan Public Contribution, yang saling mendukung untuk menciptakan nilai jangka panjang
(long time value creation) bagi semua pemangku kepentingan. Selain itu, Perseroan mengutamakan
prinsip Good Corporate Governance (GCG) untuk memastikan bahwa setiap kebijakan dan
tindakan yang diambil sejalan dengan prinsip transparansi, kemandirian, akuntabilitas, keadilan,
dan pertanggungjawaban.
The implementation of FIFGROUP’s sustainability strategy involves the integration of three main pillars,
namely Portfolio, People, and Public Contribution, which support each other to create long time value
creation for all stakeholders. In addition, the Company prioritizes the principles of Good Corporate
Governance (GCG) to ensure that every policy and action taken aligns with the principles of transparency,
independence, accountability, fairness and responsibility.
Dalam mendukung penerapan prinsip keberlanjutan, In supporting the implementation of sustainability principles,
Perseroan telah merancang FIFGROUP 2030 Sustainability the Company has designed FIFGROUP 2030 Sustainability
Aspirations Framework & Initiatives yang berlandaskan pada Aspirations Framework & Initiatives based on FSA Regulation
Peraturan OJK Nomor 51/POJK.03/2017 mengenai penerapan No. 51/POJK.03/2017 concerning the implementation of
keuangan berkelanjutan di lembaga jasa keuangan, emiten, sustainable finance in financial services institutions, issuers,
dan perusahaan publik, serta mengikuti pedoman dari ASTRA and public companies, while also adhering to the guidelines
2030 Sustainability Aspirations. Langkah ini juga turut of the ASTRA 2030 Sustainability Aspirations. This step also
mendukung pencapaian Tujuan Pembangunan Berkelanjutan supports the achievement of the Sustainable Development
(TPB)/Sustainable Development Goals (SDGs), yang bertujuan Goals (SDGs), which aim to promote peace, prosperity and
untuk mendorong perdamaian, kesejahteraan umat manusia, sustainability for future generations.
dan kelestarian bumi bagi generasi mendatang.
Dengan visi untuk menjadi pemimpin industri yang dikagumi With a vision to be the admired national industry leader and a
secara nasional dan misi membawa kehidupan yang lebih mission to bring the better life to the community, FIFGROUP
baik bagi masyarakat, FIFGROUP mengembangkan strategi develops a sustainability strategy consisting of three main
keberlanjutan yang terdiri dari tiga pilar utama: Portfolio, pillars: Portfolio, People, and Public Contribution based on
People, dan Public Contribution yang berlandaskan GCG principles that play a crucial role in supporting the
pada prinsip GCG yang memiliki peranan penting dalam achievement of these objectives.
mendukung tercapainya tujuan-tujuan tersebut.
Disamping itu, Nilai budaya perusahaan yaitu Teamwork, Furthermore, the Company’s core values of Teamwork,
Excellence, Achieving, dan Moving Forward (TEAM) Excellence, Achieving, and Moving Forward (TEAM)
menjadi pondasi utama bagi setiap insan FIFGROUP become the primary foundation for every FIFGROUP
dalam menjalankan aktivitas bisnis yang selaras dengan employee in carrying out business activities that are
prinsip berkelanjutan. FIFGROUP juga menginisiasi in line with sustainable principles. FIFGROUP also
kampanye komunikasi #CARE (Create Action, Rescue initiated the #CARE (Create Action, Rescue Earth)
Earth) sebagai langkah nyata untuk melibatkan seluruh communication campaign as a concrete step to
pemangku kepentingan dalam mendukung upaya engage all stakeholders in supporting the Company's
keberlanjutan perusahaan. sustainability initiatives.
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Strategi Keberlanjutan
Sustainability Strategy
FIFGROUP 2030 Sustainability Framework & Initiatives
FIFGROUP sebagai bagian dari lembaga keuangan FIFGROUP, as a financial institution, is committed to
berkomitmen dalam menerapkan pembiayaan yang sesuai implementing financing in accordance with FSA's Sustainable
dengan Sustainable Finance Roadmap Tahap II OJK melalui Finance Roadmap Phase II through the development of
pengembangan pembiayaan pada sektor berkelanjutan yang financing in the sustainable sector as stated in FIFGROUP
tertuang dalam FIFGROUP 2030 Sustainability Aspirations 2030 Sustainability Aspirations Framework on Portfolio
Framework pada Strategi Portfolio. Adapun pembiayaan Strategy. The sustainable financing provided by FIFGROUP:
berkelanjutan FIFGROUP adalah
1. Pembiayaan Motor Listrik; 1. Electric Vehicle Financing;
2. Pembiayaan Sepeda Listrik; 2. Electric Bicycle Financing;
3. Pembiayaan Solar Panel; 3. Solar Panel Financing;
4. Pembiayaan UMKM; dan 4. Microproductive Financing; and
5. Pembiayaan untuk Disabilitas. 5. Financing for People with Disabilities.
FIFGROUP tidak hanya fokus pada pembiayaan untuk FIFGROUP not only focuses on financing for sustainable
sektor berkelanjutan, tetapi juga mengembangkan usaha sectors, but also develops business in raising funds through
dalam menghimpun dana melalui penerbitan instrumen the issuance of sustainable instruments. In 2024, FIFGROUP
berkelanjutan. Pada tahun 2024, FIFGROUP menerbitkan issued an ESG-based loan worth USD 60,000,000, allocated
pinjaman berbasis ESG senilai USD 60.000.000 yang to fund two categories of projects including:
digunakan untuk mendanai 2 kategori project diantaranya:
1. Green Project 1. Green Project
• Pembiayaan Solar Panel; • Solar Panel Financing;
• Pembiayaan Sepeda Listrik; dan • Electric Bicycle Financing; and
• Pembiayaan Sepeda Motor Listrik atau Hybrid • Honda Electric or Hybrid Motorcycle Financing.
Merk Honda.
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2. Social Project 2. Social Project
a. FIFASTRA : Women and undereducated; or a. FIFASTRA : Women and undereducated; or
underserved; or unbanked underserved; or unbanked
b. SPEKTRA : Women and undereducated; or b. SPEKTRA : Women and undereducated; or
underserved; or unbanked underserved; or unbanked
c. FINATRA : MSMEs c. FINATRA : MSMEs
Hingga Juni 2024, ESG Loan sudah terutilisasi 100%. As of June 2024, the ESG Loan has been 100% utilized.
Dengan pendekatan yang semakin menyeluruh, FIFGROUP With an increasingly comprehensive approach, FIFGROUP
bertujuan untuk terus berkontribusi positif terhadap aims to continue to contribute positively to the environment,
lingkungan, mendukung tercapainya ekonomi rendah support the achievement of a low-carbon economy, and
karbon, dan mencapai target TPB. Selain mengelola achieve the SDG targets. In addition to managing its business
portofolio bisnis, Perseroan juga berupaya mengoptimalkan portfolio, the Company also strives to optimize operations
operasionalnya dengan mengurangi emisi gas rumah by reducing greenhouse gas emissions, increasing the
kaca, meningkatkan penggunaan energi terbarukan, serta use of renewable energy, and improving water and waste
mengelola air dan limbah secara lebih efisien. Pada tahun management efficiency. In 2024, the Company also
2024, Perseroan juga melaksanakan penanaman pohon implemented integrated tree planting initiatives as part of
terintegrasi dalam upaya strategi carbon offset Perusahaan. the Company's carbon offset strategy.
Dalam hal strategi People, FIFGROUP berkomitmen untuk In terms of People strategy, FIFGROUP is committed to
memastikan kesehatan dan keselamatan kerja karyawan, guaranteeing the health and safety of employees, as well as
serta mendukung keragaman dan inklusivitas dengan supporting diversity and inclusivity by providing opportunities
membuka kesempatan bagi penyandang disabilitas untuk for people with disabilities to work both at headquarters and
bekerja dan berkarya di kantor pusat maupun cabang di branches across Indonesia. The Company also actively
seluruh Indonesia. Perseroan juga aktif mengembangkan develops programs that support women empowerment,
program yang mendukung pemberdayaan perempuan, offering them opportunities to grow and contribute to
memberikan ruang untuk berkembang dan berkontribusi the Company.
dalam Perseroan.
Pada strategi Public Contribution, FIFGROUP meluncurkan As for the Public Contribution strategy, FIFGROUP launched
berbagai program pengembangan masyarakat melalui empat various community development programs through four main
pilar utama CSR yang terdiri dari Pilar FIFGROUP Sehat, CSR pillars, namely FIFGROUP Sehat (Health), FIFGROUP
FIFGROUP Pintar, FIFGROUP Sejahtera, dan FIFGROUP Pintar (Education), FIFGROUP Sejahtera (Welfare), FIFGROUP
Lestari, serta pilar pendukung yaitu FIFGROUP Peduli. Lestari (Environment), and supporting pillar, namely FIFGROUP
Peduli (Social Responsibility).
Untuk memastikan keberlanjutan yang optimal, Perseroan To ensure optimal sustainability, the Company sets
menetapkan target pencapaian dalam FIFGROUP achievement targets in FIFGROUP Sustainability Framework
Sustainability Framework and Initiatives serta melakukan and Initiatives and conducts regular monitoring of
pemantauan rutin terhadap kinerja keberlanjutan untuk sustainability performance to achieve the desired outcomes.
mencapai hasil yang diinginkan.
Dalam mendukung internalisasi nilai keberlanjutan dan In supporting the internalization of sustainability values
kontribusi terhadap pencapaian aspirasi keberlanjutan and contributing to the achievement of the Company's
perusahaan, FIFGROUP melaksanakan program FIFGROUP sustainability aspirations, FIFGROUP implements the
Sustainability Awards (FSA), yakni ajang penghargaan atas FIFGROUP Sustainability Awards (FSA) program, an award
implementasi dan pencapaian praktik keberlanjutan terbaik event for the implementation and achievement of the best
karyawan serta cabang dari sisi operasional dan inovasi. sustainability practices of employees and branches in terms
of operations and innovation.
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Strategi Keberlanjutan
Sustainability Strategy
Program FSA terbagi atas 2 sub-program, di antaranya The FSA program is divided into two sub-programs, including
Sustainability Index Awards (SIA) yang menilai pencapaian the Sustainability Index Awards (SIA) which evaluates
kinerja kantor cabang terhadap indikator sustainability index, the achievement of branch office performance against
serta Sustainability Innovation Ideas (SII) yang merupakan sustainability index indicators, and Sustainability Innovation
kompetisi atas ide inovasi dan implementasi proyek Ideas (SII) which is a competition for innovative ideas and
keberlanjutan dalam lingkup cabang melalui 3 kategori yaitu implementation of sustainability projects within branches
FIFGROUP Green Branch (FGB), FIFGROUP Friendly Branch through 3 categories namely FIFGROUP Green Branch
(FFB) dan FIFGROUP Safe and Security Branch (FSSB). Pada (FGB), FIFGROUP Friendly Branch (FFB) and FIFGROUP
tahun 2024, SIA menilai pencapaian sustainability index Safe and Security Branch (FSSB). In 2024, SIA assessed
pada 235 kantor cabang, sedangkan SII mengumpulkan the sustainability index performance of 235 branch offices,
280 submission ide proyek inovasi dengan 10 proyek yang while SII gathered 280 innovation project idea submissions
terpilih untuk implementasi. with 10 projects selected for implementation.
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Sustainability Framework Melalui Strategi Triple-P Roadmap
Sustainability Framework Through Triple-P Roadmap Strategy
Portfolio People Public Contribution
Pencapaian 2024 | 2024 Achievement
1. Mengembangkan pembiayaan 1. Implementasi program FIFGROUP Implementasi program CSR 4 Pilar Utama
berkelanjutan melalui komposisi Aman Berlalu Lintas melalui inspeksi dan 1 Pilar Pendukung
portfolio keberlanjutan senilai safety riding dengan persentase 1. FIFGROUP Sehat
Rp952.945,87 juta ketaatan sebesar 99,39% • Donor Darah : 21.425 kantong darah
2. Mengurangi emisi gas rumah kaca 2. Melaksanakan program training safety • Program Posyandu : 1.984 balita
sebesar 4,62% riding, sosialisasi dan memberikan • Program Secanting ‘Sehat Ceria
3. Meningkatkan penggunaan energi perlengkapan berkendara yang aman Tanpa Stunting : 808 anak dengan
baru terbarukan melalui program dan menerapkan regulasi yang sesuai stunting, 250 ibu hamil, 150
pemasangan solar panel dengan total dengan standar Keselamatan dan remaja, dan 100 calon pengantin
di 30 cabang Kesehatan Kerja (K3) • Rumah Singgah : 15 keluarga
4. Menggunakan produk ramah 3. Implementasi Kesiapsiagaan Tanggap pasien
lingkungan , yaitu lampu light emitting Darurat (KTD) (Pelatihan Floor Warden) 2. FIFGROUP Pintar
diode (LED) di seluruh jaringan 4. Pelaksanaan Medical Check Up • Menyala (Menyuarakan Literasi
perusahaan 5. Pelaksanaan Pest Control melalui Aksi) : 14.512 siswa dan
5. Melakukan penanaman pohon 6. Pelaksanaan program FIFGROUP 5.056 guru
tersentralisasi sebanyak 25.000 bibit Employee Care (FEC) • FIFGROUP Young Leader : 35
pada satu lokasi dalam upaya carbon 7. Implementasi program aktivitas fisik mahasiswa/i
offset perusahaan kesehatan (strecthing & drinking time) 3. FIFGROUP Sejahtera
6. Meningkatkan pengelolaan air melalui 8. Melaksanakan program FIFriendibility • Dana Bergulir dan Workshop
penurunan intensitas water withdrawal melalui rekrutmen karyawan disabilitas UMKM : 735 UMKM
sebesar 1,98% dengan persentase fulfillment sebesar 4. FIFGROUP Lestari
7. Meningkatkan pengelolaan jumlah 143% (dibandingkan pemenuhan • Hutan FIFGROUP : 25.000 bibit pohon
limbah padat domestik non plastik terhadap Undang-Undang No. 8 Tahun 5. FIFGROUP Peduli
menjadi 30,45% dan limbah padat 2016) • Peduli Spiritualitas
plastik menjadi 45,67% 9. Melaksanakan program pemberdayaan • Peduli Bencana dan Sosial
8. Menjalin kolaborasi dengan Bank perempuan seperti forum kartini dan • Kampung Berseri Astra (KBA) Binaan
Sampah di 62 titik cabang MOBIC spesial hari kartini FIFGROUP melalui integrasi program
4 pilar CSR pada kelurahan Duren
1. Developing sustainable financing Seribu, Kecamatan Bojongsari, Depok.
through the composition of a 1. Implementation of FIFGROUP Aman
sustainability portfolio worth Berlalu Lintas program through safety Implementation of CSR program with 4 main
Rp952,945.87 million riding inspections with a compliance pillars and 1 supporting pillar
2. Reducing greenhouse gas emissions rate of 99.39% 1. FIFGROUP Sehat
by 4.62% 2. Carrying out safety riding training • Blood Donation : 21,425 blood bags
3. Increasing the use of new renewable programs, awareness campaigns and • Posyandu Program : 1,984 toddlers
energy through a solar panel providing safe driving equipment, as • Secanting Program ‘Healthy
installation program in 30 branches well as implementing regulations in Cheerful Without Stunting :
4. Using environmentally friendly accordance with Occupational Health 808 children with stunting, 250
products, such as light emitting diode and Safety (OHS) standards pregnant women, 150 teenagers,
(LED) lights throughout the Company 3. Implementation of Emergency and 100 brides-to-be
networks Response Preparedness (KTD) (Floor • Halfway House : 15 patient families
5. Conducting centralized tree planting of Warden Training) 2. FIFGROUP Pintar
25,000 seedlings at one location in the 4. Implementation of Medical Check Up • Menyala (Voicing Literacy through
Company’s carbon offset efforts 5. Implementation of Pest Control Action): 14,512 students and 5,056
6. Improving water management by 6. Implementation of FIFGROUP teachers
reducing water withdrawal intensity Employee Care (FEC) program • FIFGROUP Young Leader: 35 students
by 1.98% 7. Implementation of physical health 3. FIFGROUP Sejahtera
7. Improving the management of non- activity program (stretching & drinking • Revolving Fund and MSME
plastic domestic solid waste to 30.45% time) Workshop: 735 MSMES
and plastic solid waste to 45.67% 8. Conducting the FIFriendibility program 4. FIFGROUP Lestari
8. Establishing collaboration with Waste through the recruitment of employees • FIFGROUP Forest: 25,000 tree
Banks at 62 branch locations with disabilities with a fulfillment rate seedlings
of 143% (compared to compliance with 5. FIFGROUP Peduli
Law No. 8/2016) • Spirituality Care
9. Conducting women empowerment • Disaster and Social Care
programs such as Kartini forum and • Kampung Berseri Astra (KBA)
MOBIC special event for Kartini day assisted by FIFGROUP through the
integration of the 4 pillars of CSR
program in Duren Seribu village,
Bojongsari sub-district, Depok.
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Strategi Keberlanjutan
Sustainability Strategy
Strategi keberlanjutan yang diterapkan oleh FIFGROUP The sustainability strategy implemented by FIFGROUP
telah sejalan dengan Rencana Aksi Keuangan Berkelanjutan is aligned with the Sustainable Finance Action Plan
(RAKB) yang disusun oleh Perseroan, yang bertujuan untuk (RAKB) prepared by the Company, which aims to
mengintegrasikan praktik keuangan yang bertanggung jawab integrate responsible and sustainable financial practices.
dan berkelanjutan. Pencapaian dalam bidang keuangan Achievements in sustainable finance also directly contribute
berkelanjutan juga berkontribusi langsung terhadap upaya to global efforts in achieving the SDGs, creating a broad
global dalam mencapai SDGs, menciptakan dampak positif positive impact on society and the environment.
yang luas bagi masyarakat dan lingkungan.
Dalam setiap langkah yang diambil, FIFGROUP dengan cermat In every step taken, FIFGROUP carefully considers the
mempertimbangkan prinsip kehati-hatian dan kepatuhan principle of prudence and compliance with applicable
terhadap peraturan yang berlaku di Indonesia, dengan tetap regulations in Indonesia, while respecting and adhering to
menghormati serta mematuhi Hak Asasi Manusia (HAM). Human Rights (HAM).
FIFGROUP juga memprioritaskan keberagaman dan FIFGROUP also prioritizes diversity and inclusivity, ensuring
inklusivitas, memastikan bahwa kebijakan yang diambil that its policies support social justice in all aspects. The
mendukung keadilan sosial di semua aspek. Perseroan Company actively manages customer issues with an
aktif mengelola isu-isu pelanggan dengan pendekatan approach that prioritizes satisfaction and protection of their
yang mengutamakan kepuasan dan perlindungan hak-hak rights. In performing its operations and business activities,
mereka. Dalam menjalankan kegiatan operasional dan bisnis, FIFGROUP is committed to maintaining transparent and fair
FIFGROUP berkomitmen untuk selalu menjaga kerja sama cooperation with all partners to foster mutually beneficial
yang transparan dan adil dengan semua mitra kerja, dengan and sustainable relationships.
tujuan menciptakan hubungan yang saling menguntungkan
dan berkelanjutan.
Salah satu project inovasi keberlanjutan pemenang FIFGROUP
Sustainability Awards (FSA) periode 2024 berasal dari network Central
Support & Warehouse (CSW) Denpasar, di mana tim karyawan cabang
berinisiatif untuk memanfaatkan limbah organik di kawasan Bali untuk
diolah menjadi Eco Enzyme. Produk cairan serbaguna tersebut diutilisasi
mulai dari sebagai cairan pembersih ruangan, penghilang bau, hingga
pupuk tanaman di lingkungan kantor dan rumah tangga karyawan. Melalui
project inovasi ini, tim cabang FIFGROUP tidak hanya menerapkan
metode alternatif yang mampu menghemat biaya operasional kantor,
tetapi juga meningkatkan edukasi karyawan dan mendukung komitmen
operasional perusahaan yang ramah lingkungan.
One of the winning sustainability innovation projects in the 2024
FIFGROUP FIFGROUP Sustainability Awards (FSA) came from the Central Support
Sustainability Award & Warehouse (CSW) network in Denpasar. The branch employee
team initiated the project to utilize organic waste in the Bali area and
FIFGROUP Sustainability Award process it into Eco Enzyme. This multi-purpose liquid is utilized for
various applications, including room cleaning, odor removal, and plant
fertilizer in both office environments and employees’ households.
Through this innovation project, the FIFGROUP branch team has not
only implemented an alternative method to reduce office operational
costs but has also enhanced employee education and reinforced the
Company’s commitment to environmentally friendly operations.
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Tentang Laporan Keberlanjutan
About The Sustainability Report
Laporan Keberlanjutan PT Federal International Finance Tahun PT Federal International Finance Sustainability Report Year
2024 mendeskripsikan kinerja keberlanjutan Perseroan yang 2024 describes the Company's sustainability performance
disusun setiap tahun, dengan periode 1 Januari hingga 31 which is prepared annually, with a period of January 1 to
Desember 2024 dan laporan sebelumnya dipublikasikan December 31, 2024 and the previous report was published
pada Maret 2024. Penyusunan laporan ini mengacu pada: on March, 2024. This report refers to: [GRI 2-3]
[GRI 2-3]
• Surat Edaran Otoritas Jasa Keuangan (SEOJK) No.16/ • Circular Letter of the Financial Services Authority
SEOJK.04/2021 tentang Isi Laporan Tahunan yang di (SEOJK) No.16/SEOJK.04/2021 concerning the Content
dalamnya untuk menyampaikan kinerja keberlanjutan of Annual Reports to convey sustainability performance
sesuai Peraturan Otoritas Jasa Keuangan (POJK) No.51/ in accordance with the Financial Services Authority
POJK.03/2017 Regulation (POJK) No.51/POJK.03/2017
• Tujuan Pembangunan Berkelanjutan (SDGs) • Sustainable Development Goals (SDGs)
• Standar Global Reporting Initiative (GRI) 2021 • Global Reporting Initiative (GRI) 2021 Standards,
“in accordance” "in accordance"
• International Financial Reporting Standard S1 dan S2 • International Financial Reporting Standards S1 and S2
• Sustainability Accounting Standard Board • Sustainability Accounting Standards Board
Laporan ini mengungkapkan pengelolaan topik material This report discloses the management of material topics
yang relevan, mempunyai dampak signifikan bagi Perseroan, that are relevant, have a significant impact on the Company,
dan menjadi perhatian pemangku kepentingan. Pada tahun and are of concern to stakeholders. In 2024, there were
2024, terdapat perubahan pada topik material pada laporan changes to the material topics in this report, adjusted to
ini yang disesuaikan dengan ASTRA 2030 Sustainability ASTRA 2030 Sustainability Aspirations. All information and
Aspirations. Seluruh informasi dan data yang disampaikan data presented in this sustainability report are sourced from
pada laporan keberlanjutan ini berasal dari kantor pusat the head office and all branch offices. In this report, there
dan semua kantor cabang. Dalam laporan ini, tidak terdapat are no restatements of previous reports.
pernyataan kembali (restatement) dari laporan sebelumnya.
FIFGROUP pada periode ini belum melibatkan pihak FIFGROUP in this period has not engaged independent
independen dalam menjamin (assurance) informasi parties to provide assurance for the sustainability information.
keberlanjutan. Namun demikian, seluruh data telah dipastikan However, all data has been verified to originate from relevant
berasal dari sumber yang relevan serta telah disetujui oleh sources and has been approved by the Board of Directors
Direksi dan divisi terkait, dan untuk data keuangan berasal and relevant divisions, and for financial data is sourced from
dari Laporan Keuangan Audited. [OJK G.1] [GRI 2-2, 2-4, 2-5] the Audited Financial Statements. [OJK G.1] [GRI 2-2, 2-4, 2-5]
Perseroan secara terbuka menerima saran dan pertanyaan The Company welcomes suggestions and inquiries
mengenai informasi dalam laporan keberlanjutan ini melalui: regarding the information presented in this sustainability
[GRI 2-3] report through: [GRI 2-3]
PT Federal International Finance (FIF)
Charles DW Simaremare
EHSSR & Sustainability Management Department Head
Menara FIF
Jl. TB Simatupang, Kav. 15,
Cilandak, Jakarta Selatan, Indonesia 12440
Email : corpsecretary@fifgroup.astra.co.id
Website : www.fifgroup.co.id
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Strategi Keberlanjutan
Sustainability Strategy
Tanggapan Umpan Balik Laporan Tahun Sebelumnya [OJK G.3]
Previous Year Report Feedback Response [OJK G.3]
Hingga akhir tahun 2024, FIFGROUP tidak menerima umpan Until the end of 2024, FIFGROUP did not receive any
balik dari Laporan Keberlanjutan Tahun 2023. feedback on the 2023 Sustainability Report.
Perseroan senantiasa berupaya menyampaikan informasi The Company continuously strives to provide more
dengan lebih komprehensif dalam setiap laporan comprehensive information in every sustainability report
keberlanjutan yang diterbitkan. Perseroan membuka saran, published. The Company welcomes suggestions, feedback,
tanggapan, maupun kritik atas Laporan Keberlanjutan Tahun and criticisms regarding the 2024 Sustainability Report which
2024 yang dapat disampaikan melalui lembar umpan balik can be submitted through the feedback form available on
yang terdapat pada halaman akhir laporan ini. the final page of this report.
Identifikasi Topik Material dan Batasan Dampak [GRI 2-14, 3-1, 3-2]
Identification of Material Topics and Impact Limitations [GRI 2-14, 3-1, 3-2]
FIFGROUP telah mengidentifikasi topik material prioritas Priority material topics that align with the Company’s
yang sesuai dengan strategi perusahaan, risiko, dan peluang strategy, risks, and opportunities and have a big impact on
yang mempunyai dampak signifikan serta berpengaruh pada stakeholders’ decision-making have been recognized by
pengambilan keputusan bagi para pemangku kepentingan. FIFGROUP. Together with the management and a group of
Penentuan topik material ini didiskusikan bersama dengan experts, these material topics are determined. FIFGROUP
jajaran manajemen dan tim ahli. Dalam menentukan topik also identifies and determines priority support for the
material, FIFGROUP juga mengidentifikasi dan menentukan Sustainable Development Goals (SDGs) when identifying
dukungan prioritas pada Tujuan Pembangunan Berkelanjutan material topics.
(TPB).
Dukungan
Topik Material Isu Signifikan Pemangku Kepentingan Terdampak
terhadap TPB Material Topic Key Concern Impacted Stakeholders
Support for SDGs
Kinerja Ekonomi • Nilai ekonomi yang dihasilkan Internal: Pemegang Saham, Karyawan
Economic Performance dan didistribusikan Eksternal: Mitra Kerja, Regulator,
• Pengelolaan Keuangan dan Masyarakat, Pelanggan
Ekonomi yang diawasi OJK Internal: Shareholders, Employees
• Economic value generated and External: Work Partners, Regulators,
distributed Public, Customers
• Transparent and Sound Financial
and Economic Management
Portfolio Pinjaman & Pembiayaan Kategori Kegiatan Usaha Internal: Pemegang Saham, Karyawan
Investasi yang Berkelanjutan Berkelanjutan (KKUB) Eksternal: Mitra Kerja, Regulator,
Sustainable Loan and Financing of Sustainable Businesses Masyarakat, Pelanggan
Investment Portfolio Internal: Shareholders, Employees
External: Work Partners, Regulators,
Public, Customers
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Dukungan
Topik Material Isu Signifikan Pemangku Kepentingan Terdampak
terhadap TPB Material Topic Key Concern Impacted Stakeholders
Support for SDGs
Emisi Gas Rumah Kaca (GRK) • Penurunan Emisi gas rumah kaca Internal: Pemegang Saham, Karyawan
dan Sistem Manajemen (GRK) yang dihasilkan Eksternal: Mitra Kerja, Regulator,
Energi • Efisiensi energi dan peningkatan Masyarakat, Pelanggan
Greenhouse Gas Emissions bauran energi terbarukan Internal: Shareholders, Employees
and Renewable Energy Mix • Reduction in greenhouse gas External: Work Partners, Regulators,
emissions produced Public, Customers
• Energy efficiency and increasing
renewable energy mix
Pengelolaan Air dan Limbah • Penurunan intensitas Internal: Pemegang Saham, Karyawan
Padat pengambilan air Eksternal: Mitra Kerja, Regulator,
Water and Waste • Peningkatan jumlah limbah padat Masyarakat, Pelanggan
Management terolah Internal: Shareholders, Employees
• Decreased amount of water External: Work Partners, Regulators,
withdrawal intensity Public, Customers
• Increased amount of treated solid
waste
Kesehatan dan Keselamatan • Keselamatan Berkendara (Safety Internal: Pemegang Saham, Karyawan
Kerja Riding) Eksternal: Mitra Kerja, Regulator,
Occupational Health and • Penurunan LTI (lost time injury) Masyarakat, Pelanggan
Safety rate Internal: Shareholders, Employees
• Zero Fatality External: Work Partners, Regulators,
• Safety Riding Public, Customers
• Lost time injury rate (LTI)
reduction
• Zero Fatality
Keberagaman dan • Pemberdayaan Perempuan Internal: Pemegang Saham, Karyawan
Inklusivitas • Pemberdayaan Disabilitas Eksternal: Mitra Kerja, Regulator,
Diversity and Inclusivity • Women Empowerment Masyarakat, Pelanggan
• Disability Empowerment Internal: Shareholders, Employees
External: Work Partners, Regulators,
Public, Customers
Pelatihan dan Pendidikan • Pelatihan dan Pendidikan Bagi Internal: Pemegang Saham, Karyawan
Training and Education Karyawan, Pelanggan, dan Eksternal: Mitra Kerja, Regulator,
Masyarakat Masyarakat, Pelanggan
• Literasi dan Inklusi Keuangan Internal: Shareholders, Employees
• Training and Education for External: Work Partners, Regulators,
Employees, Customers, and the Public, Customers
Public
• Financial Literacy and Inclusion
Keterlibatan dan Dampak • Dampak ekonomi tidak langsung Internal: Pemegang Saham, Karyawan
Komunitas yang signifikan Eksternal: Mitra Kerja, Regulator,
Engagement and Impacts on • Implementasi program Tanggung Masyarakat, Pelanggan
the Communities Jawab Sosial dan Lingkungan Internal: Shareholders, Employees
(TJSL) External: Work Partners, Regulators,
• Indirect economic impacts Public, Customers
• Corporate Social Responsibility
(CSR) program implementation
Etika Bisnis Anti-Fraud dan Anti-korupsi, Anti Internal: Pemegang Saham, Karyawan
Business Ethic Pencucian Uang dan Pencegahan Eksternal: Mitra Kerja, Regulator,
Pendanaan Terorisme (APU-PPT) Masyarakat, Pelanggan
Anti-Fraud and Anti-Corruption, Anti Internal: Shareholders, Employees
Money Laundering and Prevention of External: Work Partners, Regulators,
Terrorism Funding Public, Customers
Keamanan Data dan Privasi Perlindungan Data Pelanggan Internal: Pemegang Saham, Karyawan
Pelanggan Customer Data Protection Eksternal: Mitra Kerja, Regulator,
Customer Data Security and Masyarakat, Pelanggan
Privacy Internal: Shareholders, Employees
External: Work Partners, Regulators,
Public, Customers
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Strategi Keberlanjutan
Sustainability Strategy
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Tentang
Kami
About Us
04
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53
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Sekilas FIFGROUP [GRI 2-1]
FIFGROUP at a Glance [GRI 2-1]
FIFGROUP terus mengembangkan inisiatif keberlanjutan yang sejalan dengan visi jangka panjang
untuk menciptakan nilai berkelanjutan bagi semua pemangku kepentingan.
FIFGROUP continues to develop sustainability initiatives in line with the long-term vision to create
sustainable value for all stakeholders.
Selama lebih dari 30 tahun, PT Federal International Finance For more than 30 years, PT Federal International Finance
(FIFGROUP) telah menunjukkan komitmennya dalam industri (FIFGROUP) has demonstrated its commitment in the
layanan pembiayaan, menjadi salah satu pelopor yang financing service industry, becoming one of the pioneers
dikenal luas oleh masyarakat. Perseroan terus berkembang, widely recognized by the public. The Company continues
beradaptasi dengan dinamika kebutuhan pasar, dan selalu to grow, adapt to the dynamics of market needs, and always
berpegang pada prinsip inovasi serta kreativitas untuk adhere to the principles of innovation and creativity to
memberikan solusi yang relevan. FIFGROUP didirikan pada provide relevant solutions. FIFGROUP was established on
1 Mei 1989 di Jakarta dengan nama awal PT Mitrapusaka May 1, 1989 in Jakarta with the initial name PT Mitrapusaka
Artha Finance, yang fokus pada sektor pembiayaan. Artha Finance, which focuses on the financing sector. In 1991,
Pada tahun 1991, Perseroan mengubah nama menjadi the Company changed its name to PT Federal International
PT Federal International Finance dan memulai konsentrasi Finance and began to concentrate on financing Honda
pada pembiayaan sepeda motor merek Honda, melayani brand motorcycles, serving the financing needs of retail
kebutuhan pembiayaan konsumen secara retail. Untuk consumers. To respond to the growing market demands,
merespon tuntutan pasar yang terus berkembang, FIFGROUP adopted the strategy more aggressively in 1996,
FIFGROUP mengadopsi strategi tersebut secara lebih agresif further strengthening its position in the industry. As part of
pada tahun 1996, yang semakin memperkuat posisinya its business transformation, in May 2013, the FIFGROUP
di industri. Sebagai bagian dari transformasi bisnisnya, brand was introduced to depict a bigger and more ambitious
pada Mei 2013, merek FIFGROUP diperkenalkan untuk change in the Company's journey. To this day, in accordance
menggambarkan perubahan yang lebih besar dan lebih with the Financial Services Authority Regulation No. 35/
ambisius dalam perjalanan Perseroan. Hingga saat ini, POJK.05/2018 concerning the Implementation of Financing
sesuai dengan Peraturan Otoritas Jasa Keuangan No. 35/ Company Business, FIFGROUP continues to provide the
POJK.05/2018 tentang Penyelenggaraan Usaha Perusahaan best service while focusing on sustainability and customer
Pembiayaan, FIFGROUP terus berupaya memberikan satisfaction. The Company operates in the financing services
layanan terbaik dengan tetap berfokus pada keberlanjutan business with the following brand names: [OJK C.4] [GRI 2-6]
dan kepuasan pelanggan. Perseroan bergerak pada bisnis
layanan pembiayaan dengan nama merek sebagai berikut:
[OJK C.4] [GRI 2-6]
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Tentang Kami
About Us
FIFASTRA SPEKTRA
Fasilitas Pembiayaan Sepeda Motor Fasilitas Pembiayaan Multi Produk
Motorcycle Financing Facility Multiproduct Financing Facility
Merupakan komposisi terbesar Brand pembiayaan multiproduk
dalam portofolio bisnis FIFGROUP yang menyediakan layanan kredit
yang bergerak di bidang untuk pembelian elektronik,
pembiayaan sepeda motor Honda peralatan rumah tangga, furniture,
baru. gadget, dan produk lifestyle.
The most significant composition 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.
DANASTRA FINATRA
Fasilitas Pembiayaan Multiguna Fasilitas Pembiayaan Mikro Produktif
Multipurpose Financing Facility Micro Productive Financing Facility
Fasilitas pembiayaan multiguna Layanan pembiayaan produktif untuk
dengan jaminan collateral yang mendukung para pelaku UMKM agar
bergerak di bidang kredit mikro. mampu berkembang dan naik kelas
dalam mengembangkan usahanya.
A multipurpose financing facility
with collateral guarantees operating A micro productive financing facility
in microcredit. to support MSME entrepreneurs
in developing and upgrading their
businesses.
AMITRA
Fasilitas Pembiayaan Syariah
Sharia Financing Facility
Fasilitas pembiayaan syariah yang menawarkan produk-produk seperti pembiayaan
perjalanan religi (Haji dan Umrah).
A Sharia financing facility that offers products such as financing for religious trip
(Hajj and Umrah).
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Nama Perusahaan [GRI 2-1] Bentuk Legal [GRI 2-1]
Company Name [GRI 2-1] Legal Form [GRI 2-1]
PT Federal International Finance Perseroan Terbatas
Limited Liability Company
Tahun Berdiri Landasan Hukum [GRI 2-1]
Establishment Date Legal Basis [GRI 2-1]
1 Mei 1989 Akta Notaris Rukmasanti Hardjasatya,
May 1, 1989 S.H., No. 1 yang kemudian diubah dengan
akta No.40 tanggal 26 Juni 1989, dengan
persetujuan Surat Keputusan Menteri
Pemegang Saham [OJK C.3] Kehakiman No. C2 - 6728.HT.01.01.Th.89
Shareholders [OJK C.3] tanggal 27 Juli 1989.
Deed of Notary Rukmasanti Hardjasatya, S.H.,
PT Astra International Tbk. No. 1, which has been amended by Deed
(99,99996%) No. 40 dated June 26, 1989, approved by
the Decree of the Minister of Justice No. C2
PT Arya Kharisma - 6728.HT.01.01.Th.89 dated July 27, 1989.
(0,00004%)
Bidang Usaha [OJK C.4] [GRI 2-6]
Line of Business [OJK C.4] [GRI 2-6]
Pembiayaan Investasi, Pembiayaan Modal Kerja, Pembiayaan Multiguna, Pembiayaan Sewa Operasi (Operating
Lease) dan/atau Kegiatan Berbasis Fee, Pembiayaan Syariah mencakup Pembiayaan Jual Beli, Pembiayaan
Investasi, dan/atau Pembiayaan Jasa dengan menggunakan akad prinsip syariah; serta Pembiayaan Lain.
Seluruhnya telah mendapatkan persetujuan Otoritas Jasa Keuangan dan memenuhi ketentuan Peraturan
Otoritas Jasa Keuangan No. 35/POJK.05/2018 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan.
Investment Financing, Working Capital Financing, Multipurpose Financing, Operating Lease Financing, and/
or Fee-Based Activities. Sharia Financing includes Sale and Purchase Financing, Investment Financing, and/or
Service Financing using Sharia principle contracts; and Other Financing. All of which have received approval
from the Financial Services Authority and fulfill the provisions of Financial Services Authority Regulation No.
35/POJK.05/2018 concerning the Business Operation of Financing Companies.
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Tentang Kami
About Us
Alamat Kantor Pusat [OJK C.2] [GRI 2-1] Media Sosial
Head Office Address [OJK C.2] [GRI 2-1] Social Media
Menara FIF
FIF Tower FIFCLUB
Jl. TB. Simatupang, Kav. 15, Cilandak,
FIFGROUPFIONA_BOT
Jakarta Selatan 12440, Indonesia
Telp | Phone : +6221-769-8899
Faks | Fax : +6221-759 055 99
Email : corpsecretary@fifgroup.astra.co.id
Perubahan Signifikan di Tahun 2024 [OJK C.6]
Significant Changes in 2024 [OJK C.6]
Sepanjang tahun 2024, tidak terdapat perubahan signifikan pada Perseroan mengenai model bisnis, rantai
pasok, penutupan atau pembukaan cabang, ataupun struktur kepemilikan pada FIFGROUP yang dapat
mempengaruhi keberlanjutan bisnis.
There were no significant changes in the Company, throughout 2024, regarding business model, supply chain,
closure or opening of branches, or ownership structure in FIFGROUP that may affect business sustainability.
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Visi, Misi, Nilai, dan Budaya Keberlanjutan [OJK C.1]
Vision, Mission, Sustainability Values, and Culture [OJK C.1]
Visi Menjadi Pemimpin Industri yang
Dikagumi Secara Nasional.
Vision To be The Admired National Industry Leader.
Nilai-nilai Inti Perusahaan dan Budaya Keberlanjutan
The Company’s Core Values and Sustainability Culture
Kerja sama sinergis secara profesional antar individu atau kelompok
T
berlandaskan saling menghargai dan saling percaya dengan semangat
Team Work kebersamaan untuk 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 bagi stakeholder.
E Excellence
Proactively enhancing service and product quality through resource optimization
and continuous process improvement to generate added value for the stakeholder.
Dalam upaya mencapai visi Menjadi Pemimpin Industri yang Dikagumi Secara Nasional, FIFGROUP terus berinovasi. Salah
satu jejak langkah digitalisasi Perseroan yang signifikan adalah peluncuran FIFGROUP Digital Form pada Mei 2016. Aplikasi
ini merupakan bagian dari FIFGROUP Digitalization Ecosystem yang bertujuan untuk memberikan kecepatan dan kemudahan
dalam proses penyediaan kredit kepada para pelanggan.
Seluruh karyawan FIFGROUP diwajibkan menerapkan nilai-nilai inti Perseroan dan budaya keberlanjutan dalam kegiatan
bisnis. Nilai-nilai tersebut diterapkan sebagai acuan dalam menjalin hubungan bersama seluruh pemangku kepentingan,
untuk menciptakan integritas karyawan dalam memberikan layanan yang unggul kepada pelanggan.
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Tentang Kami
About Us
Misi Membawa Kehidupan yang Lebih
Baik untuk Masyarakat.
Mission Bring the Better Life to the Community.
Berkomitmen menghasilkan inovasi-inovasi berlandaskan integritas,
A
semangat pemenang, dan pantang menyerah untuk mencapai
Achieving prestasi terbaik.
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.
To achieve the vision of To be The Admired National Industry Leader, FIFGROUP continues to innovate. One of the Company’s
significant digitalization footprints is the launch of FIFGROUP Digital Form in May 2016. This application is part of FIFGROUP
Digitalization Ecosystem that aims to expedite and simplify the process of providing credit to customers.
All FIFGROUP employees are required to apply the Company’s core values and sustainability culture in business activities.
These values are applied as a reference in establishing relationships with all stakeholders, to create employee integrity in
providing superior service to customers.
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Wilayah Operasional [OJK C.3] [GRI 2-1, 2-6]
Operational Area [OJK C.3] [GRI 2-1, 2-6]
Wilayah operasional dan pasar yang terlayani FIFGROUP The operational areas and markets served by FIFGROUP
yaitu meliputi seluruh wilayah Indonesia yang mencakup cover all regions of Indonesia including 250 branch offices
250 kantor cabang termasuk di Sumatra, Jawa, Bali, in Sumatra, Java, Bali, Kalimantan, Sulawesi, Bali and Nusa
Kalimantan, Sulawesi, Bali dan Nusa Tenggara, Maluku, Tenggara, Maluku, and Papua. This extensive operational
serta Papua. Melalui jaringan operasional yang luas ini, network has allowed FIFGROUP to become one of the
FIFGROUP telah menjadi salah satu perusahaan pembiayaan largest financing companies in Indonesia. Further information
terbesar di Indonesia. Informasi lebih lanjut terkait wilayah regarding the Company’s operational areas can be accessed
operasional Perseroan dapat diakses melalui Laporan through FIFGROUP Annual Report 2024.
Tahunan FIFGROUP 2024.
250
kantor cabang
branch office
Skala Usaha [OJK C.3][GRI 2-6]
Business Scale [OJK C.3] [GRI 2-1, 2-6]
Uraian Satuan
2024 2023 2022
Description Unit
Jumlah Karyawan Orang
14.134 13.801 13.961
Total Employee People
Total Pendapatan Bersih
12.153 10.416 8.963
Total Net Income Rp miliar
Laba (Rugi) IDR billion
4.415 4.107 3.174
Profit (Loss)
Total Kapitalisasi
Total Capitalization
Jumlah Liabilitas
33.505 27.877 23.421
Total Liability
Jumlah Ekuitas Rp miliar
12.176 11.291 11.121
Total Equity IDR billion
Jumlah Aset
45.681 39.168 34.542
Total Asset
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Tentang Kami
About Us
Keanggotaan Asosiasi [OJK C.5] [GRI 2-28]
Association Membership [OJK C.5] [GRI 2-28]
Perseroan tergabung dalam beberapa asosiasi profesional The Company actively participates as a member of several
dan organisasi lainnya sebagai anggota yang berpartisipasi professional associations and other organizations. These
secara aktif. Melalui keanggotaan dalam asosiasi dan memberships allow the Company to optimize business
organisasi ini, Perseroan mengoptimalkan jaringan bisnis and communication networks to update information and
dan komunikasi untuk memperbaharui informasi dan wawasan insights related to the financing industry, and gather, conduct
terkait industri pembiayaan, dan mengumpulkan, mengadakan research and development to improve the quality of services
penelitian serta pengembangan guna meningkatkan kualitas and products.
layanan dan produk.
Keanggotaan FIFGROUP dalam asosiasi dan organisasi di FIFGROUP’s membership in associations and organizations
antaranya adalah Asosiasi Perusahaan Pembiayaan Indonesia includes the Indonesian Finance Company Association
(APPI), PT Rapi Utama Indonesia (Rapindo), dan Lembaga (APPI), PT Rapi Utama Indonesia (Rapindo), and the Financial
Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan Services Sector Alternative Dispute Resolution Institution
(LAPS SJK). (LAPS SJK).
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Tata Kelola
Keberlanjutan
Sustainability
Governance
05
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Tata Kelola Keberlanjutan
Sustainability Governance
FIFGROUP mengimplementasikan tata kelola keberlanjutan dengan memastikan bahwa setiap
keputusan bisnis mempertimbangkan dampak sosial, lingkungan, dan ekonomi secara seimbang.
Melalui penerapan prinsip-prinsip GCG, Perseroan berkomitmen untuk menciptakan nilai jangka
panjang yang berkelanjutan bagi seluruh pemangku kepentingan.
FIFGROUP implements sustainability governance by ensuring that every business decision considers social,
environmental, and economic impacts in a balanced manner. Through the implementation of GCG principles,
the Company is committed to creating long-term sustainable value for all stakeholders.
FIFGROUP telah tumbuh menjadi salah satu perusahaan FIFGROUP has grown into one of the leading financing
layanan pembiayaan terkemuka di Indonesia berkat service companies in Indonesia thanks to the trust given
kepercayaan yang diberikan oleh seluruh pemangku by all stakeholders. This trust serves as the foundation
kepentingan. Kepercayaan ini menjadi landasan bagi for FIFGROUP to continue to innovate and strengthen its
FIFGROUP untuk terus berinovasi dan memperkuat posisinya position in the market, which is reflected in the Company's
di pasar, yang tercermin dalam komitmen perusahaan untuk commitment to always implement the principles of Good
selalu menerapkan prinsip Tata Kelola Perusahaan yang Baik Corporate Governance (GCG) through best practices.
(GCG) melalui praktik terbaik (best practices).
Penerapan GCG yang optimal di seluruh aspek operasional The optimal implementation of GCG in all operational
bukan hanya mendukung keberlanjutan dan pertumbuhan aspects not only supports the sustainability and growth
Perseroan, tetapi juga memandu FIFGROUP untuk tetap of the Company, but also guides FIFGROUP to remain the
menjadi pemimpin industri pembiayaan di Indonesia. Oleh leader of the financing industry in Indonesia. Therefore,
karena itu, Perseroan berkomitmen untuk terus memperbaiki the Company is committed to continuously improving and
dan menyempurnakan penerapan GCG di setiap level refining the implementation of GCG at every level of the
organisasi, demi menciptakan nilai tambah yang signifikan organization, in order to create significant added value for
bagi seluruh pemangku kepentingan. all stakeholders.
Dalam upaya menerapkan praktik terbaik GCG, FIFGROUP In an effort to implement GCG best practices, FIFGROUP
berpedoman pada UU No. 40 Tahun 2007 tentang Perseroan adheres to Law No. 40 of 2007 concerning Limited Liability
Terbatas, Peraturan Otoritas Jasa Keuangan (POJK), Surat Companies, Financial Services Authority Regulations (POJK),
Edaran Otoritas Jasa Keuangan (SEOJK), serta keputusan Circular Letters of the Financial Services Authority (SEOJK),
yang diambil melalui Rapat Umum Pemegang Saham (RUPS). as well as decisions taken through the General Meeting of
Selain itu, proses pengelolaan Perseroan dilakukan oleh Shareholders (GMS). In addition, the Company's management
Direksi yang berfungsi sebagai pengelola, dan diawasi oleh is executed by the Board of Directors, which functions as
Dewan Komisaris. Informasi lebih lanjut mengenai struktur the executive body, under the supervision of the Board of
organisasi, keberagaman Direksi dan Dewan Komisaris, Commissioners. Further information on the organizational
proses nominasi, seleksi, serta kebijakan remunerasi, structure, diversity of the Board of Directors and the Board of
termasuk rasio kompensasi total tahunan, akan disampaikan Commissioners, the nomination and selection process, and the
secara rinci dalam Laporan Tahunan FIFGROUP 2024. [GRI remuneration policy, as well as the total annual compensation
2-10, 2-11, 2-16, 2-19, 2-20, 2-21, 202-1, 405-1] ratio, will be presented in detail in the FIFGROUP 2024 Annual
Report. [GRI 2-10, 2-11, 2-16, 2-19, 2-20, 2-21, 202-1, 405-1]
Perseroan juga menerapkan GCG dalam setiap pengambilan The Company also implements GCG in every decision to
keputusan guna mengoptimalkan kinerja, meningkatkan optimize performance, improve accountability, and avoid
akuntabilitas, dan menghindari konflik kepentingan. conflicts of interest. GCG implementation is the responsibility
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Tata Kelola Keberlanjutan
Sustainability Governance
Implementasi GCG menjadi tanggung jawab seluruh pihak di of all parties in the Company and every employee is required
Perseroan, bahkan seluruh karyawan harus mematuhi regulasi to comply with applicable regulations. FIFGROUP recognizes
yang berlaku. FIFGROUP menyadari bahwa implementasi that effective GCG implementation will provide broader
GCG yang efektif akan memberikan manfaat yang lebih luas. benefits. As a result of this compliance, the Company did
Melalui kepatuhan ini, Perseroan tidak mendapatkan sanksi not receive any fines or other legal sanctions that materially
denda maupun hukum lainnya yang material memengaruhi affect business activities during the reporting period,
kegiatan usaha selama periode pelaporan, baik dari lembaga whether from authorized institutions or other regulatory
berwenang maupun pihak regulator lainnya. [GRI 2-15, 2-27] parties. [GRI 2-15, 2-27]
Dalam mengelola aspek lingkungan, sosial, dan tata In managing environmental, social, and governance aspects,
kelola, Perseroan membentuk Koordinator Aksi Keuangan the Company established a Sustainable Finance Action
Berkelanjutan yang terdiri dari fungsi Corporate Secretary, Coordinator consisting of Corporate Secretary, Legal &
Legal & Litigation, Business Development & Corporate Litigation, Business Development & Corporate Planning,
Planning, serta Corporate Communication, EHSSR & and Corporate Communication, EHSSR & Sustainability
Sustainability Management. Fungsi-fungsi ini bertanggung Management functions. These functions are responsible for
jawab dalam memitigasi dan mengawasi tingkat risiko pada mitigating and overseeing the level of risk in ESG aspects,
aspek LST, terutama dari sisi pembiayaan. Selain itu, dalam especially from the financing perspective. Moreover, in
mengimplementasikan aspek LST, seluruh fungsi akan implementing ESG aspects, all functions will coordinate
berkoordinasi dengan fungsi lainnya dan melakukan perbaikan with other functions and make improvements to enhance
untuk meningkatkan efisiensi dan kinerja keberlanjutan. efficiency and sustainability performance.
Ketiga fungsi juga bertanggung jawab untuk menyusun The three functions are also responsible for developing
rencana strategi, melakukan evaluasi, mengawasi, dan strategic plans, conducting evaluations, supervising,
menyampaikan RAKB secara berkala. Selain itu, Perseroan and submitting Sustainable Finance Action Plan (RAKB)
juga membentuk Komite Keberlanjutan yang memiliki periodically. Additionally, the Company also established
tugas untuk melakukan mengawasi dan melaksanakan a Sustainability Committee to oversee and implement
kegiatan yang berkaitan dengan aspek keberlanjutan activities related to sustainability aspects and monitor the
dan memperhatikan capaian kinerja aspek LST. Dewan performance achievements of ESG aspects. The Board of
Komisaris dan Direksi turut aktif dalam meninjau dan Commissioners and the Board of Directors actively review
mengevaluasi pencapaian kinerja keberlanjutan serta and evaluate sustainability performance achievements and
menyetujuinya bersama pemangku kepentingan lain untuk jointly approve them with other stakeholders for inclusion in
dapat disampaikan pada Laporan Keberlanjutan. [GRI 2-12, the Sustainability Report. [GRI 2-12, 2-13, 2-14, 2-18]
2-13, 2-14, 2-18]
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Struktur Tata Kelola Keberlanjutan [OJK E.1] [GRI 2-9]
Sustainability Governance Structure [OJK E.1] [GRI 2-9]
Tim Koordinator Keuangan Mengembangkan produk dan/
Bertanggung jawab kepada
Berkelanjutan atau jasa keuangan berkelanjutan,
Direksi
Sustainable Finance Action meningkatkan kapasitas internal,
Responsible to the Board of
Coordinator menyesuaikan organisasi,
Directors
manajemen risiko, tata kelola, dan/
1. Corporate Secretary, Legal & atau SOP
Litigation Division Developing sustainable financial
2. Business Development & products and/or services,
Corporate Planning Division building internal capacity, making
3. Corporate Communication, adjustments to the organization,
EHSSR & Sustainability risk management, governance,
Management Division and/or SOPs
Melakukan pengawasan kegiatan Bertanggung jawab kepada
Komite Keberlanjutan Dewan Komisaris
berbasis LST
Sustainability Committee Responsible to the Board of
Overseeing ESG-based activities
Commissioners
Manajemen Risiko Lingkungan, Sosial, dan Tata
Kelola (LST) [OJK E.3]
Management of Environmental, Social, and Governance Risks [OJK E.3]
Di bawah pengawasan Divisi Manajemen Risiko, FIFGROUP Under the supervision of the Risk Management Division,
secara sistematis telah mengidentifikasi berbagai risiko FIFGROUP has systematically identified various risks that
yang mungkin timbul dan merancang langkah-langkah may arise and designed mitigation measures to reduce
mitigasi untuk mengurangi dampak serta memperkuat the impact and strengthen the Company's strategy in
strategi perusahaan dalam mencapai tujuan jangka panjang. achieving long-term goals. The Company continues to be
Perseroan terus berkomitmen untuk mengembangkan committed to developing a strong risk management culture,
budaya manajemen risiko yang kokoh, menerapkan praktik implementing Good Corporate Governance (GCG) practices,
Tata Kelola Perusahaan yang baik (GCG), serta menjaga and maintaining high compliance with applicable regulations.
kepatuhan yang tinggi terhadap regulasi yang berlaku.
Dalam implementasinya, FIFGROUP memastikan bahwa In its implementation, FIFGROUP ensures that risk
manajemen risiko telah terintegrasi secara menyeluruh management has been thoroughly integrated in every aspect
dalam setiap aspek operasional perusahaan. Hal ini of the Company's operations. This integration allows the risk
menjadikan sistem manajemen risiko sebagai alat deteksi management system to serves as an effective early detection
dini yang efektif, memberikan informasi yang diperlukan tool, providing the information needed to anticipate and
untuk mengantisipasi dan mengelola potensi risiko, sehingga manage potential risks, thus enabling the Company to take
memungkinkan Perseroan untuk mengambil langkah proaktif proactive steps to address emerging challenges.
dalam menghadapi tantangan yang ada.
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Tata Kelola Keberlanjutan
Sustainability Governance
Upaya manajemen risiko Perseroan dapat dijabarkan pada The Company's risk management efforts are outlined in
bagan risk management framework based berdasarkan ISO the risk management framework diagram based on ISO
31000:2018 sebagai berikut: 31000:2018, as follows:
Struktur Tata Kelola Risiko
Risk Management Structure
Lingkup, Konteks, Kriteria
Scope, Context, Criteria
Penilaian Risiko | Risk Assessment
Identifikasi Risiko
Risk Identification
Lingkup, Konteks, Kriteria
Lingkup, Konteks, Kriteria
Analisa Risiko
Scope, Context, Criteria
Scope, Context, Criteria
Risk Analysis
Likelihood
Consequence
Compute Level of Risk
Evaluasi Risiko
Risk Evaluation
Perlakukan Risiko
Risk Treatment
Pencatatan dan Pelaporan
Recording and Reporting
Berdasarkan bagan di atas, dapat terlihat bahwa Perseroan Based on the diagram above, it can be concluded that the
memiliki 3 proses utama manajemen risiko, yaitu: Company has 3 main risk management processes, namely:
1. Penerapan konteks untuk memberikan gambaran 1. Context establishment to provide a clear overview of
secara jelas terkait tujuan proses bisnis organisasi the organization's business process objectives as a
sebagai landasan dalam melakukan risk assessment basis for performing risk assessment that aligns with
yang sesuai dengan konteks organisasi. the organizational context.
2. Penilaian risiko mencakup identifikasi risiko yang 2. Risk assessment which includes identifying risks
berpengaruh pada Perseroan, menghitung dampak dan affecting the Company, calculating their impact,
frekuensi serta pengaruhnya kepada tujuan Perseroan, frequency, and influence on the Company's objectives,
serta melakukan evaluasi secara berkala bersama as well as conducting periodic evaluations with all Risk
dengan seluruh Risk Control Owner. Control Owners.
3. Penanganan risiko dengan menerapkan strategi baru 3. Risk handling by implementing new strategies by
dengan menentukan resources yang diperlukan dan determining the necessary resources, benchmarking,
melakukan benchmarking serta melakukan rencana and developing plans to address emerging risks.
penanganan risiko yang timbul.
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Ketiga proses utama tersebut didukung oleh dua proses The three main processes are supported by two processes,
yaitu komunikasi dan konsultasi serta pengawasan namely communication and consultation as well as
dan review. Hal tersebut merupakan hal yang penting monitoring and review. This is important considering the
mengingat prinsip manajemen risiko menuntut manajemen principle of risk management demands transparent and
risiko yang transparan dan inklusif, di mana manajemen inclusive risk management, where risk management must
risiko harus dilakukan oleh seluruh bagian organisasi be carried out by all parts of the organization and take into
dan memperhitungkan kepentingan dari seluruh account the interests of all stakeholders of the organization.
stakeholders organisasi.
Perseroan melakukan proses manajemen risiko, yaitu proses The Company conducts a risk management process, namely
identifikasi, penilaian, pemantauan serta pengendalian the process of identifying, assessing, monitoring and
risiko secara berkala terhadap 9 (sembilan) risiko utama controlling risks on a regular basis against 9 (nine) main risks
Lembaga Jasa Keuangan Non-Bank (LJKNB). Kesembilan of Non-Bank Financial Services Institutions (LJKNB). The nine
risiko tersebut meliputi risiko strategis, risiko operasional, risks include strategic risk, operational risk, credit risk, market
risiko kredit, risiko pasar, risiko likuiditas, risiko hukum, risiko risk, liquidity risk, legal risk, compliance risk, reputation
kepatuhan, risiko reputasi, dan risiko transaksi intra grup. risk, and intra-group transaction risk. The Company is
Perseroan tergabung ke dalam sebuah manajemen risiko incorporated into an integrated risk management, namely
terintegrasi, yaitu Konglomerasi Keuangan Astra bersama the Astra Financial Conglomeration together with other
lembaga jasa keuangan lainnya di Grup Astra baik bank financial services institutions in the Astra Group, both banks
maupun non-bank. Berikut adalah proses identifikasi, and non-banks. The following is the process of identification,
penilaian, pemantauan, dan pengendalian risiko yang assessment, monitoring, and risk control for each risk:
dilakukan untuk setiap risiko:
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Risk Type Causes Impact Mitigation Plan
Risiko Strategis Risiko akibat ketidaktepatan Kegagalan dalam Identifikasi risiko strategis dilakukan
Strategic Risk dalam pengambilan dan/atau mengantisipasi perubahan terhadap kesesuaian strategi bisnis dengan
pelaksanaan suatu keputusan lingkungan bisnis. kondisi lingkungan usaha, pilihan strategi
strategis. Failure to anticipate changes (strategi berisiko tinggi dan strategi berisiko
The risk arising from in the business environment. rendah), posisi strategis Perusahaan di
inaccuracies in the formulation industri, dan pencapaian realisasi bisnis
and/or execution of a strategic Perusahaan.
decision. Strategic risk identification is done to
align business strategy with the business
environment, strategic choices (high-risk and
low-risk strategies), the Company’s strategic
position in the industry, and the Company’s
business performance realization.
Risiko Operasional Risiko akibat ketidakcukupan Kerugian potensial Perusahaan Identifikasi dan pengukuran risiko operasional
Operational Risk dan/atau tidak berfungsinya baik dari segi financial maupun dilakukan terhadap kompleksitas organisasi
proses internal, kesalahan opportunity untuk memperoleh dan kegiatan usaha, sumber daya manusia,
manusia, kegagalan sistem, keuntungan kehilangan sistem teknologi dan informasi, risiko
dan/atau adanya kejadian kesempatan. kecurangan (fraud), gangguan terhadap bisnis
eksternal yang memengaruhi The potential losses to the dan organisasi, serta tingkat interaksi dan
operasional Perusahaan. Company, both in financial ketergantungan Perusahaan.
The risk arising from terms and in missed Identification and measurement of operational
inadequacies or opportunities to gain profit, are risks are done concerning organizational
malfunctioning of internal significant. complexity and business activities, human
processes, human errors, capital, technology and information systems,
system failures, and/or fraud risk, business and organizational
external events impacting the disruptions, as well as the level of interaction
Company’s operations. and dependency of the Company.
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Tata Kelola Keberlanjutan
Sustainability Governance
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Risk Type Causes Impact Mitigation Plan
Risiko Kredit Risiko akibat kegagalan Kehilangan kesempatan Identifikasi dan pengukuran risiko kredit
Credit Risk pihak lain dalam memenuhi Perusahaan untuk mendapat dilakukan terhadap strategi penyaluran
kewajiban kepada bunga, yang berakibat pada pembiayaan, komposisi portofolio piutang
Perusahaan. penurunan pendapatan. pembiayaan dan tingkat konsentrasi,
The risk arising from the failure The missed opportunity for the kualitas piutang pembiayaan dan kecukupan
of third parties to fulfill their Company to accrue interest, pencadangan, dan faktor eksternal.
obligations to the Company. resulting in a decline in Identification and measurement of credit
revenue. risk are performed concerning financing
distribution strategies, portfolio composition
of receivables, concentration levels, quality
of receivables, adequacy of provisions, and
external factors.
Risiko Pasar Risiko akibat perubahan Perubahan posisi aset, Identifikasi dan pengukuran risiko pasar
Market Risk secara keseluruhan dari liabilitas, ekuitas, dan/ dilakukan terhadap strategi dan kebijakan
kondisi pasar. atau rekening administratif bisnis terkait dengan risiko pasar; volume
The risk arising from overall termasuk transaksi derivative dan komposisi portofolio aset yang
changes in market condition. Perusahaan. terekspos risiko pasar; serta volume
Changes in asset positions, dan komposisi portofolio liabilitas yang
liabilities, equity, and/or terekspos risiko pasar.
administrative accounts, The identification and measurement of
including derivative market risk is based on business strategies
transactions of the Company. and policies related to market risk; the
volume and composition of the asset
portfolio exposed to market risk; and the
volume and composition of the liability
portfolio exposed to market risk.
Risiko Likuiditas Risiko akibat ketidakmampuan Kerugian potensial Perusahaan Identifikasi dan pengukuran risiko likuiditas
Liquidity Risk Perusahaan untuk memenuhi baik dari segi finansial maupun dilakukan terhadap komposisi aset dan
liabilitas yang jatuh tempo opportunity untuk memperoleh liabilitas jangka pendek termasuk transaksi
dari sumber pendanaan arus keuntungan. rekening administratif, pengelolaan arus kas,
kas dan/atau dari aset likuid The potential losses to the kerentanan pada kebutuhan pendanaan,
yang dapat dengan mudah Company, both in terms dan akses pada sumber pendanaan.
dikonversi menjadi kas, tanpa of financial and profit Identification and measurement of
mengganggu aktivitas dan opportunities. liquidity risks are performed concerning
kondisi keuangan Perusahaan. the composition of short-term assets and
Risk due to the Company's liabilities, including administrative account
inability to meet maturing transactions, cash flow management,
liabilities from cash flow funding needs vulnerability, and access to
funding sources and/or from funding sources.
liquid assets that can be easily
converted into cash, without
disrupting the Company's
activities and financial condition.
Risiko Hukum Risiko akibat tuntutan hukum Perusahaan dikenai sanksi Identifikasi dan pengukuran risiko hukum
Legal Risk dan/atau kelemahan aspek administratif, baik denda, surat dilakukan terhadap ketiadaan atau
hukum. peringatan, pemberhentian perubahan peraturan perundang-undangan,
The risk arising from kegiatan usaha, pembekuan kelemahan dalam perikatan atau kerja sama,
legal claims and/or legal usaha, hingga pencabutan dan proses penyelesaian sengketa.
vulnerabilities. usaha. Identification and measurement of legal
The Company is subject to risks are done concerning regulatory
administrative sanctions, absence or alterations, weaknesses in
including fines, warning letters, agreements or collaborations, and dispute
suspension of operations, resolution processes.
business closure, and revocation
of its operating license.
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Jenis Risiko Penyebab Akibat Rencana Mitigasi
Risk Type Causes Impact Mitigation Plan
Risiko Kepatuhan Risiko akibat Perusahaan Menurunnya reputasi atau Identifikasi dan pengukuran risiko
Compliance Risk tidak mematuhi dan/atau citra Perusahaan di mata kepatuhan dilakukan terhadap jenis dan
tidak melaksanakan peraturan masyarakat atau konsumen. signifikansi pelanggaran yang dilakukan,
perundang-undangan dan Decreased reputation or frekuensi pelanggaran (termasuk sanksi)
ketentuan. image of the Company in atau track record kepatuhan Perusahaan
The risk arising from the the eyes of the public or dan pelanggaran terhadap ketentuan
Company’s non-compliance consumers. peraturan perundang-undangan atau
and/or failure to adhere to standar bisnis yang berlaku umum, dan
statutory regulations and tindak lanjut atas pelanggaran.
provisions. Identification and measurement of
compliance risks are completed concerning
the nature and significance of infractions,
the frequency of breaches (including
sanctions) or the Company’s compliance
track record, and violations of applicable
legal regulations or widely recognized
business standards, with subsequent actions
taken regarding such breaches.
Risiko Reputasi Risiko akibat menurunnya Menimbulkan persepsi Identifikasi dan pengukuran risiko dilakukan
Reputational Risk tingkat kepercayaan negatif dari masyarakat dan terhadap pengaruh reputasi pengurus,
pemangku kepentingan yang konsumen terhadap bisnis pemilik, dan grup; pelanggaran etika bisnis;
bersumber dari persepsi Perusahaan. kompleksitas produk dan kerja sama
negatif terhadap Perusahaan. Eliciting negative perceptions bisnis; frekuensi, materialitas, dan eksposur
The risk arising from the from both the public and pemberitaan negatif; serta frekuensi dan
decline in stakeholder trust consumers regarding the materialitas keluhan debitur atau konsumen.
levels stemming from negative Company’s business. Risk identification and measurement is
perceptions of the Company. conducted on the influence of the reputation
of the management, owners, and group;
violation of business ethics; complexity
of products and business cooperation;
frequency, materiality, and exposure to
negative news; as well as the frequency and
materiality of debtor or consumer complaints.
Risiko Transaksi Risiko akibat ketergantungan Pengaruh terhadap Pemantauan dan pengendalian risiko
Intra-grup suatu entitas baik secara pemenuhan kewajiban dilakukan dengan memperkuat koordinasi
Intra-group langsung maupun tidak perjanjian tertulis maupun antar intra-group dengan menginformasikan
Transaction Risk langsung terhadap perjanjian tidak tertulis baik masingmasing eksposure secara berkala
entitas lainnya dalam satu yang diikuti perpindahan sesuai dengan kondisinya dengan
Konglomerasi Keuangan. dana dan/atau tidak diikuti mempertimbangkan antara lain kondisi
The risk arising from an perpindahan dana. keuangan dan sumber daya manusia,
entity’s dependency, whether Influence on the fulfillment sehingga dampak negatif ataupun
direct or indirect, on other of obligations of written and ketergantungan yang disebabkan oleh
entities within a Financial unwritten agreements both transaksi ini dapat diminimalisasi.
Conglomeration. followed by the transfer of Risk monitoring and control are performed
funds and/ or not followed by by strengthening intra-group coordination,
the transfer of funds. providing regular updates on each exposure
according to its condition, considering factors
such as financial conditions and human
capital. This minimizes negative impacts
or dependencies resulting from these
transactions.
Mengidentifikasi dan Menilai Risiko-risiko terkait Identifying and Assessing Climate-Related Risks
Iklim
Pada tahun 2024, Perusahaan melakukan identifikasi awal In 2024, the Company conducted an initial identification
terhadap beberapa risiko terkait iklim mengacu kepada of several climate-related risks in accordance with the
International Financial Reporting Standard (IFRS) S2 Climate- International Financial Reporting Standard (IFRS) S2 Climate-
related Disclosures. Proses pengkajian yang lebih sistematis related Disclosures. A more systematic assessment process,
serta penyusunan strategi mitigasi dan adaptasi akan along with the development of mitigation and adaptation
dilaksanakan pada tahun 2025. Berikut terlampir beberapa strategies, will be implemented in 2025. The following
risiko terkait iklim yang telah diidentifikasi perusahaan. are some of the climate-related risks that the Company
has identified.
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Tata Kelola Keberlanjutan
Sustainability Governance
Internal/Eksternal
Risk Input dan/atau Risk Event Potensi Peluang
No IFRS S2 Driven
Risk Input and/or Risk Event Potential Opportunities
Internal/External Driven
Risiko Operasional
Risiko Operasional
1.1 Fisik Akut 1. Meningkatnya angka kerusakan dan gangguan Memastikan karyawan Eksternal
Acute Physical operasional akibat cuaca dan suhu ekstrem. memahami prinsip-prinsip External
Increased damage and operational disruptions due dasar penanggulangan
to extreme weather and temperature. bencana.
Ensuring employees
understand basic disaster
management principles.
Bangunan yang tahan Eksternal
dampak lingkungan. External
Environmentally resilient
buildings.
1.2 Fisik Akut dan 2. Meningkatnya masalah kesehatan dan Mengembangkan budaya Internal
Kronis keselamatan karyawan akibat perubahan cuaca K3 ke karyawan. Internal
Acute and ekstrim. Developing an occupational
Chronic Increased employee health and safety issues due health and safety (OHS)
Physical to extreme weather changes. culture among employees.
1.3 Fisik Akut 3. Meningkatnya premi asuransi atas aset yang Menjaga lingkungan Internal
Acute Physical potensial untuk terdampak. sekitar. Internal
Increased insurance premiums for assets at Protecting the surrounding
potential risk. environment.
1.4 Fisik Akut 4. Meningkatnya pemutusan atau penundaan Kegiatan usaha Eksternal
Acute Physical pembayaran dari pelanggan yang terkena dampak perusahaan lebih resilient External
ekonomi akibat banjir atau gelombang panas. dengan mengintegrasikan
Increased delays or defaults on payments from aspek ESG.
customers affected by economic impacts of floods Enhancing business
or heatwaves. resilience by integrating
ESG aspects.
1.5 Fisik Kronis 5. Meningkatnya kebutuhan energi untuk Efisiensi Biaya. Internal
Chronic Physical pendinginan. Cost efficiency. Internal
Increased energy demand for cooling.
1.6 Fisik Kronis 6. Meningkatnya kerusakan infrastruktur yang Bangunan yang tahan Eksternal
Chronic Physical terletak di dekat pantai atau daerah rawan banjir dampak lingkungan. External
akibat kenaikan permukaan air laut. Environmentally resilient
Increased infrastructure damage in coastal or buildings.
flood-prone areas due to rising sea levels.
1.7 Transisi 7. Meningkatnya biaya administratif dan operasional Perusahaan terlibat dalam Internal
(Kebijakan dan untuk memastikan kepatuhan perusahaan leasing pilot project. Internal
Hukum) terhadap regulasi dan standar yang berubah Company participation in
Transition secara dinamis untuk mendorong net-zero pilot projects.
(Policy and emissions.
Legal) Increased administrative and operational costs
to ensure leasing company compliance with
dynamically changing regulations and standards
for net-zero emissions.
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Internal/Eksternal
Risk Input dan/atau Risk Event Potensi Peluang
No IFRS S2 Driven
Risk Input and/or Risk Event Potential Opportunities
Internal/External Driven
Risiko Pasar
Market Risk
2.1 Transisi 1. Penurunan daya saing di pasar jika biaya karbon Diversifikasi jenis. Eksternal
(Kebijakan dan dikenakan membuat harga kendaraan lebih tinggi kendaraan yang dibiayai External
Hukum) dibandingkan dengan pesaing yang tidak terkena Diversifying the types of
Transition dampak serupa/skema carbon tax. financed vehicles.
(Policy and Decreased market competitiveness if carbon costs
Legal) are imposed, making vehicle prices higher than
those of competitors unaffected by similar carbon
tax schemes.
2.2 Transisi 2. Penurunan permintaan untuk kendaraan dengan Meningkatkan pendapatan Eksternal
(Kebijakan dan emisi karbon tinggi. di segmen kendaraan External
Hukum) Decreased demand for high-carbon-emission listrik.
Transition vehicles. Increasing revenue in the
(Policy and electric vehicle segment.
Legal)
Risiko Reputasi
Risiko Reputasi
3.1 Transisi 1. Meningkatnya tekanan dari pemangku 1. Meningkatkan reputasi Eksternal
(Kebijakan dan kepentingan untuk mengurangi jejak karbon perusahaan. External
Hukum) perusahaan. 2. Mendapatkan
Transition Increased pressure from stakeholders to reduce penghargaan.
(Policy and the Company’s carbon footprint 1. Enhancing the
Legal) Company’s reputation.
2. Gaining awards.
3.2 Transisi 2. Menurunnya reputasi jika perusahaan tidak Menunjukan kepatuhan Eksternal
(Reputasi) melakukan inisiatif terkait perubahan iklim atau dan dukungan pada External
Transition dianggap melakukan greenwashing. rencana pengurangan
(Reputation) Declining reputation if the Company fails to emisi berdasarkan
take climate change initiatives or is accused of kontribusi yang ditetapkan
greenwashing. secara nasional (NDC).
Demonstrating compliance
and support for emission
reduction plans based on
Nationally Determined
Contributions (NDC).
3.3 Transisi 3. Kesulitan akses modal apabila perusahaan tidak Mendapatkan Eksternal
(Reputasi) memperhatikan isu perubahan iklim. pembiayaan/Investasi External
Transition Difficulty in accessing capital if the Company does berbasis ESG.
(Reputation) not consider climate change issues. Securing ESG-based
financing/investment.
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Tata Kelola Keberlanjutan
Sustainability Governance
Tantangan dan Permasalahan Penerapan Keuangan
Berkelanjutan [OJK E.5]
Challenges and Issues in Implementing Sustainable Finance [OJK E.5]
Kegiatan bisnis Perseroan tidak terlepas dari tantangan The Company's business activities are inseparable from
dan permasalahan yang dihadapi, termasuk dalam present challenges and problems, including implementing
penerapan keuangan berkelanjutan. Tantangan dan sustainable finance. These challenges and issues cover the
permasalahan ini mencakup kegiatan operasional dari operational activities of the Company and other external
Perseroan dan kondisi eksternal lainnya di antaranya conditions, including the following:
sebagai berikut:
Tantangan dan Permasalahan Upaya yang Dilakukan
Challenges and Issues Efforts Made
Pemahaman sumber daya manusia (SDM) terkait implementasi • Melakukan benchmarking terkait penerapan pengembangan
keuangan berkelanjutan yang perlu terus ditingkatkan produk keuangan berkelanjutan
Understanding of human capital (HC) related to the • Melaksanakan pelatihan eksternal terhadap karyawan terkait
implementation of sustainable finance that needs to be keuangan berkelanjutan
continuously improved • Melaksanakan kampanye dalam bentuk poster, video,
webinar terkait keuangan berkelanjutan yang melibatkan
seluruh karyawan, manajemen, dan pengurus Perusahaan
• Conduct benchmarking related to the implementation of
sustainable finance product development
• Organize external training for employees related to
sustainable finance
• Organize campaigns in the form of posters, videos, webinars
related to sustainable finance involving all employees,
management, and Company officials
Pasar penjualan produk keuangan berkelanjutan yang masih Menyesuaikan fitur dan skema produk sehingga dapat sesuai
terbatas dengan permintaan pasar
Limited sales market for sustainable finance products Adjust product features and schemes to meet market demand
Tingginya dinamika pasar dalam merespons pentingnya aspek LST Melakukan kerja sama dengan mitra lain, khususnya dengan grup Astra
High market dynamics in responding to the importance of ESG aspects Collaborate with other partners, especially with the Astra group
Risiko dari perubahan peraturan yang dikeluarkan oleh regulator Mengembangkan sistem manajemen risiko yang secara berkala
dan pemerintah disesuaikan
Risk from regulatory changes issued by regulators and Develop a risk management system that is regularly adjusted
government
Implementasi pembiayaan aktivitas ekonomi menuju emisi nol Mengembangkan manajemen risiko pada pembiayaan
karbon perusahaan yang mengedepankan aktivitas ekonomi dengan
Implementation of financing economic activities towards zero emisi nol karbon
carbon emissions Develop a risk management on corporate financing that
emphasizes economic activities with zero carbon emissions
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Etika Bisnis [GRI 3-3]
Business Ethics [GRI 3-3]
Untuk membangun citra dan reputasi yang positif dalam To foster a positive image and reputation in an effort to
upaya untuk terus menciptakan pertumbuhan berkelanjutan, continue creating sustainable growth, the Company
Perseroan menetapkan Kode Etik sebagai bagian integral established a Code of Conduct as an integral part of the
dari Pedoman Tata Kelola Perseroan. Kode Etik ini berfungsi Company's Corporate Governance Guidelines. This Code of
sebagai panduan bagi seluruh karyawan untuk bertumbuh Conduct serves as a guideline for all employees to grow and
dan mencapai pencapaian yang membanggakan dengan achieve proud achievements while maintaining regularity in
tetap menjaga keteraturan dalam sikap, perilaku, dan attitudes, behaviors, and relationships with various parties
hubungan dengan berbagai pihak yang terlibat dalam involved in the Company's business operations.
operasional bisnis Perseroan.
Sebagai bagian dari komitmen terhadap integritas, Perseroan As part of its commitment to integrity, the Company
menerapkan kebijakan anti-korupsi dan anti-penyuapan implements anti-corruption and anti-bribery policies through
melalui etika usaha yang didasarkan pada pedoman etika business ethics based on the business and work ethics
bisnis dan etika kerja yang terkandung dalam Tata Kelola guidelines in the Company's Corporate Governance. This
Perseroan. Pedoman ini terakhir diperbarui pada 13 Februari guideline was last updated on February 13, 2023 and
2023 dan mengacu pada POJK No.30/POJK.05/2014 Jo. refers to POJK No.30/POJK.05/2014 in conjunction with
POJK No.29/POJK.05/2020 mengenai Tata Kelola Perseroan POJK No.29/POJK.05/2020 concerning Good Corporate
yang Baik bagi Pembiayaan. Selain itu, Perseroan juga telah Governance for Financing. Additionally, the Company has
mengimplementasikan ISO 37001:2016, yang mengatur also implemented ISO 37001:2016, which regulates the
sistem manajemen anti-penyuapan, termasuk program anti-bribery management system, including programs and
dan prosedur untuk menanggulangi praktik korupsi, suap, procedures in addressing corruption, bribery, gratuities,
gratifikasi, fraud, dan balas jasa (kickbacks). fraud, and kickbacks.
Say Yes to 6 Dont’s
(Pembayaran (Benturan (Gratifikasi (Pembayaran
(Pemerasan) Komisi pada (Penyuapan) Kepentingan) Ilegal) Fasilitas)
(Extortion) penerima suap) (Bribery) (Conflict of (Illegal (Payment
(Kickbacks) Interest) Gratification) Facilitating)
Perseroan juga menerapkan nilai-nilai integritas melalui The Company also implements integrity values through
prinsip SAY YES TO 6 DONT’S yaitu extortion (pemerasan), the principle of SAY YES TO 6 DONT'S, namely extortion,
kickbacks (pembayaran komisi pada penerima suap), bribery kickbacks, bribery, conflict of interest, illegal gratification, and
(penyuapan), conflict of interest (benturan kepentingan), payment facilitating. As a preventive measure, FIFGROUP
illegal gratification (gratifikasi illegal), dan payment facilitating performs fraud risk assessment on every function of all
(pembayaran fasilitas). Sebagai bentuk pencegahan, (100%) business activities, organizes intensive periodic
FIFGROUP membuat fraud risk assessment pada setiap dissemination, and enhances supervision processes to
fungsi dari seluruh (100%) kegiatan usaha, melakukan system design implementation. Throughout 2024, the
sosialisasi intensif secara berkala, dan meningkatkan proses Company successfully organized dissemination and training
pengawasan hingga implementasi desain sistem. Sepanjang to all employees both at the head office and branch offices
tahun 2024, Perseroan berhasil menyelenggarakan sosialisasi 24 times. [GRI 205-1, 205-2]
dan pelatihan kepada seluruh karyawan baik di kantor pusat
maupun kantor cabang sebanyak 24 kali. [GRI 205-1, 205-2]
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Tata Kelola Keberlanjutan
Sustainability Governance
Perseroan melakukan upaya tersebut untuk mengidentifikasi, The Company performed these efforts to identify, review,
menelaah, dan mengawasi kebijakan yang telah disusun and monitor the policies that have been established to
guna mencegah dan mendeteksi ketidakwajaran. Perseroan prevent and detect irregularities. The Company also provides
juga menyediakan saluran yang dapat digunakan oleh para channels that can be used by stakeholders to report any
pemangku kepentingan untuk menyampaikan informasi suspicious activities, fraudulent actions, and violations of
maupun laporan segala kegiatan yang mencurigakan, laws, Company regulations, articles of association, code
tindakan kecurangan, dan pelanggaran terhadap hukum, of conduct, and conflicts of interest that could harm the
peraturan Perseroan, anggaran dasar, kode etik serta Company through the Whistleblowing System (WBS) channel
benturan kepentingan yang dapat merugikan Perseroan - FIFTrust. As of December 31, 2024, there were 12 complaint
melalui channel Whistleblowing System (WBS) - FIFTrust. reports and all of which (100%) have been addressed. More
Hingga 31 Desember 2024, terdapat 12 laporan pengaduan detailed information regarding the whistleblowing system
dan seluruhnya (100%) telah selesai ditindaklanjuti. Informasi can be accessed in the 2024 Annual Report. [GRI 2-16,
lebih detail terkait whistleblowing system dapat diakses pada 2-26, 205-1]
Laporan Tahunan 2024. [GRI 2-16, 2-26, 205-1]
Status Pengaduan Jumlah Kasus
Complaint Status Total Cases
2024 2023 2022
Selesai
12 8 23
Completed
Telah melalui proses hukum
0 0 0
Have undergone legal process
Dalam proses
0 0 0
On process
Belum selesai
0 0 0
Incomplete
Jumlah Fraud
12 8 23
Total Fraud
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Pelibatan Pemangku Kepentingan [OJK E.5] [GRI 2-29]
Stakeholder Engagement [OJK E.5] [GRI 2-29]
FIFGROUP telah mengidentifikasi seluruh pemangku FIFGROUP has identified all stakeholders based
kepentingan berdasarkan kedekatan dan dampak on their proximity and impact on the Company.
pengaruhnya terhadap Perseroan. FIFGROUP FIFGROUP continues to improve the involvement
terus berupaya meningkatkan keterlibatan of all stakeholders in various engagement methods.
seluruh pemangku kepentingan dalam berbagai
metode pelibatan.
Mitra|Partners
1. Pemasok|Suppliers
Media Massa 2. Penyalur|Distributors
Mass Media 3. Prinsipal|Principal
Masyarakat Pesaing
Society Competitor
Perseroan
Company
Penyelenggara Negara Calon Investor
State Official Potential Investor
Perusahaan Afiliasi Pemegang Saham
Affiliated Company Shareholders
Pelanggan Karyawan
Customer Employee
Metode Pelibatan Frekuensi Pertemuan Topik
Involvement Meeting Frequency Topic
Pemegang Saham | Shareholder
• Rapat Umum Pemegang Saham (RUPS) • Minimal satu kali per tahun • Pemantauan dan evaluasi kinerja Perusahaan
• Corporate Review • Minimal tiga kali setahun • Pembayaran deviden
• Management walk through • Minimal satu kali per tahun • Akurasi Laporan Keuangan Perusahaan
• General Meeting of Shareholders (GMS) • At least once a year • Kinerja Keberlanjutan
• Corporate Review • At least three times a year • Monitoring and evaluation of the Company's
• Management walk through • At least once a year performance
• Dividend payment
• Accuracy of the Company's Financial Statements
• Sustainability Performance
Regulator | Regulator
• Rapat Koordinasi • Sesuai Kebutuhan • Perkembangan aspek regulasi dalam sektor
• Kegiatan Sosialisasi • Sesuai Kebutuhan pembiayaan di Indonesia
• Penyampaian RAKB kepada OJK • Minimal satu kali per tahun • Kepatuhan kepada peraturan dan
• Pelaporan lainnya sesuai dengan • Sesuai Kebutuhan perundangundangan
ketentuan yang berlaku kepada regulator • As Needed • Keuangan Berkelanjutan
• Coordination Meeting • As Needed • Regulatory developments in Indonesia’s financing
• Dissemination Activities • At least once a year sector
• Submission of Sustainable Finance • As Needed • Compliance with laws and regulations
Action Plan (RAKB to FSA) • Sustainable Finance
• Other reporting to regulators according
to the regulations
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Tata Kelola Keberlanjutan
Sustainability Governance
Metode Pelibatan Frekuensi Pertemuan Topik
Involvement Meeting Frequency Topic
Karyawan | Employee
• Pembentukan Ikatan Karyawan Sesuai Kebutuhan • Informasi hak-hak normatif
FIFGROUP (IKAFIF) As Needed • Penyelesaian keluh kesah karyawan
• Pertemuan dengan manajemen • Jaminan peningkatan happiness index karyawan
• Management walk through • Information on normative rights
• Establishment of FIFGROUP Employee • Resolution of employee grievances
Association (IKAFIF) • Assurance of improving the happiness index of
• Meetings with management employees
• Management walk through
Pelanggan | Customer
• Pertemuan dengan Pelanggan • Minimal satu kali per tahun • Sosialisasi program dan kegiatan marketing
• Survei Kepuasan Pelanggan • Minimal satu kali per tahun • Pengukuran kepuasan pelanggan atas layanan
• Layanan Pembiayaan • Sesuai kebutuhan Perseroan
• Meetings with Customers pelanggan dan ketentuan • Layanan pembiayaan sesuai kebutuhan pelanggan
• Customer Satisfaction Survey Perseroan dan ketentuan Perseroan
• Financing Services • At least once a year • Dissemination of marketing programs and activities
• At least once a year • Measurement of customer satisfaction with the
• As needed by customers Company's services
and Company’s regulation • Financing services as needed by customers and
Company’s regulation
Mitra Kerja | Work Partner
• Pelaksanaan proses procurement Sesuai kebutuhan mitra kerja • Perolehan kontrak dan pembayaran tepat waktu
• Pertemuan dengan mitra kerja dan ketentuan Perseroan • Kerjasama yang baik dan berkelanjutan
• Implementation of the procurement As needed by customers and • Contract acquisition and timely payment
processes Company’s regulation • Good and sustainable cooperation
• Meetings with partners
Masyarakat | Community
Pelaksanaan program Tanggung Jawab Sesuai kebutuhan • Program TJSL yang direncanakan dan dilaksanakan
Sosial & Lingkungan (TJSL) As needed • Pelaksanaan Program Jam Sosial Mengajar untuk
Implementation of Corporate Social literasi dan inklusi keuangan
Responsibility (CSR) program • Penyediaan kesempatan kerja sesuai kebutuhan
• CSR programs planned and implemented
• Implementation of the Teaching Social Hour
Program for financial literacy and inclusion
• Provision of employment opportunities as needed
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Kinerja
Ekonomi
Economic
Performance
06
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Pertumbuhan Pembiayaan Berkelanjutan
Growth of Sustainable Financing
FIFGROUP berupaya untuk mendorong pertumbuhan pembiayaan berkelanjutan melalui inovasi
digital, diversifikasi produk, dan layanan yang mendukung inklusi keuangan bagi seluruh lapisan
masyarakat. Dengan pendekatan yang mengutamakan keberlanjutan, FIFGROUP berupaya
memberikan dampak positif bagi perekonomian, lingkungan, dan masyarakat di Indonesia.
FIFGROUP strives to drive sustainable financing growth through digital innovation, product diversification,
and services that support financial inclusion for all levels of community. With an approach that prioritizes
sustainability, FIFGROUP aims to have a positive impact on Indonesia’s economy, environment, and community.
Pada tahun 2024, FIFGROUP terus memperkuat komitmennya In 2024, FIFGROUP continues to strengthen its commitment to
terhadap pembiayaan berkelanjutan melalui berbagai inisiatif sustainable financing through various strategic and innovative
strategis dan inovatif yang mendukung pertumbuhan bisnis initiatives that support business growth while also delivering
sekaligus memberikan dampak positif bagi masyarakat dan positive impacts on community and the environment. With a
lingkungan. Dengan total pembiayaan sebesar Rp45.943.655 total financing of Rp45,943,655 million, FIFGROUP successfully
juta, FIFGROUP berhasil mencatat peningkatan sebesar 8,52% recorded an increase of 8.52% compared to 2023, reflecting
dibandingkan tahun 2023, mencerminkan pertumbuhan solid growth amid global economic challenges. The net profit
yang solid di tengah tantangan ekonomi global. Laba bersih achieved in 2024 reached Rp4,415,534 million, also increasing
yang diraih pada tahun 2024 mencapai Rp4.415.534 juta, by 7.50% (yoy) from the previous year. The number of bookings
juga meningkat sebesar 7,50% (yoy) dibandingkan tahun (booking units) in 2024 reached 3,229,096 units, growing/
2023. Jumlah pemesanan (booking unit) pada tahun 2024 declining by 2.31% (yoy) from the previous year.
mencapai 3.229.096 unit, tumbuh/menurun sebesar 2,31%
(yoy) dari tahun sebelumnya.
Fokus pada keberlanjutan terlihat dari diversifikasi portofolio The focus on sustainability is evident in the diversification
pembiayaan yang mencakup lima lini bisnis utama, yaitu of its financing portfolio, which covers five main business
FIFASTRA untuk pembiayaan sepeda motor baru, SPEKTRA lines: FIFASTRA for new motorcycle financing, SPEKTRA
untuk pembiayaan multi produk, DANASTRA untuk pembiayaan for multi-product financing, DANASTRA for multipurpose
multiguna, FINATRA untuk pembiayaan mikro produktif, dan financing, FINATRA for micro productive financing, and
AMITRA yang menawarkan pembiayaan berbasis syariah. AMITRA, which offers sharia-based financing. All these
Seluruh lini bisnis ini berkontribusi pada peningkatan business lines contribute to increasing public accessibility
aksesibilitas masyarakat terhadap pembiayaan yang mendukung to financing that supports various needs, from consumptive
berbagai kebutuhan, mulai dari konsumtif hingga produktif. to productive purposes.
Sebagai bagian dari upayanya dalam menciptakan pembiayaan As part of its efforts to create sustainable financing, FIFGROUP
berkelanjutan, FIFGROUP juga memanfaatkan teknologi digital also utilizes digital technology to enhance service efficiency
untuk meningkatkan efisiensi layanan dan memperluas jangkauan and expand market reach. Through the development of digital-
pasar. Melalui pengembangan aplikasi berbasis digital dan based applications and the provision of products aligned
penyediaan produk yang sesuai dengan prinsip keberlanjutan, with sustainability principles, FIFGROUP has succeeded in
FIFGROUP berhasil menjangkau segmen pasar yang lebih luas, reaching a broader market segment, including micro, small,
termasuk pelaku usaha mikro, kecil, dan menengah (UMKM). and medium enterprises (MSMEs).
Selain itu, program promosi yang inovatif dan pendekatan Additionally, innovative promotional programs and a customer-
customer-centric turut memperkuat posisi FIFGROUP sebagai centric approach further strengthen FIFGROUP's position as
mitra pembiayaan terpercaya bagi masyarakat Indonesia. a trusted financing partner for the Indonesian community.
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Kinerja Ekonomi
Economic Performance
Dengan langkah-langkah strategis ini, FIFGROUP tidak With these strategic steps, FIFGROUP not only achieves
hanya mencapai pertumbuhan yang berkelanjutan tetapi sustainable growth but also makes a real contribution to
juga memberikan kontribusi nyata terhadap pembangunan inclusive national economic development.
ekonomi nasional yang inklusif.
Perbandingan Target Kinerja Ekonomi dan Realisasi [OJK F.1]
Comparison of Economic Performance Targets and Realization [OJK F.1]
2024 2023 2022
Uraian Satuan
Description Unit Target Realisasi Target Realisasi Target Realisasi
Target Realization Target Realization Target Realization
Pendapatan Rp juta
11.302.260 12.153.904 9.456.283 10.416.484 8.652.500 8.963.160
Income Rp million
Laba Bersih Rp juta
4.309.009 4.415.534 3.278.935 4.107.391 2.665.718 3.173.660
Net Profit Rp million
Nilai Ekonomi Langsung yang Dihasilkan dan Didistribusikan [GRI 201-1]
Economic Value Generated and Distributed [GRI 201-1]
Disajikan dalam jutaan Rupiah
Presented in million Rupiah
Uraian
2024 2023 2023
Description
Nilai Ekonomi Dihasilkan
Economic Value Generated
Pendapatan Bunga
12.130.636 10.399.842 8.947.575
Interest Income
Pendapatan Operasional Lainnya
23.268 16.642 15.585
Other Operating Income
Total Pendapatan
12.153.904 10.416.484 8.963.160
Total Income
Nilai Ekonomi Didistribusikan
Economic Value Distributed
Biaya Operasional
823.791 714.358 714.149
Operating Costs
Gaji Karyawan dan Tunjangan
1.614.192 1.343.819 1.208.794
Employee Salaries and Benefits
Pembayaran kepada Penyandang Dana
5.610.070 5.547.655 2.635.616
Payment to Funders
Pembayaran kepada Pemerintah
1.414.406 1.315.097 1.018.203
Payment to the Government
Investasi untuk Komunitas (TJSL)
20.737 15.726 17.022
Investment for the Community (CSR)
Total Distribusi Nilai Ekonomi
9.483.196 8.936.655 5.593.784
Total Economic Value Distributed
Nilai Ekonomi Ditahan (Jumlah Nilai Ekonomi Dihasilkan – Jumlah Nilai Ekonomi Didistribusikan)
Economic Value Retained (Total Economic Value Generated – Total Economic Distributed)
Jumlah Ekonomi Nilai Ditahan
2.670.708 1.479.829 3.369.376
Total Economic Value Retained
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FIFGROUP secara konsisten mengukur keberhasilan FIFGROUP consistently measures the success of the
penerapan keuangan berkelanjutan melalui pengelolaan kredit implementation of sustainable finance through credit and
dan portofolio, termasuk portofolio Kredit atau Pembiayaan portfolio management, including the portfolio of Credit or
yang Mendukung Kegiatan Usaha Berkelanjutan (KKUB), Financing that Supports Sustainable Business Activities (KKUB),
serta implementasi Rencana Aksi Keuangan Berkelanjutan as well as the implementation of the Sustainable Finance Action
(RAKB). Dalam pengelolaan portofolio KKUB, Perseroan telah Plan (SFAP). In managing the KKUB portfolio, the Company
mengembangkan produk keuangan berkelanjutan melalui has developed sustainable financial products through various
berbagai tahapan, mulai dari penyusunan feasibility study, stages, starting from the preparation of feasibility studies,
pembuatan blueprint, perancangan produk, penyusunan blueprint development, product design, sales plan preparation,
rencana penjualan, hingga pengembangan Standar to the development of Standard Operating Procedures (SOP)
Operasional Prosedur (SOP) untuk memastikan pelaksanaan to ensure the implementation of business operations that are
operasional bisnis yang terarah dan selaras dengan rencana directed and aligned with the KKUB plan.
KKUB.
Sepanjang tahun 2024, kategori pembiayaan terbesar Throughout 2024, the largest financing category within the
dalam portofolio KKUB difokuskan pada dukungan bagi KKUB portfolio focused on supporting the MSME sector, with
sektor UMKM, dengan total pembiayaan mencapai total financing reaching Rp914,743,406,594. This step reflects
Rp914.743.406.594. Langkah ini mencerminkan komitmen FIFGROUP's commitment to supporting inclusive economic
FIFGROUP dalam mendukung pertumbuhan ekonomi inklusif growth and empowering small and medium enterprises to
serta memberdayakan pelaku usaha kecil dan menengah achieve long-term sustainability.
untuk mencapai keberlanjutan jangka panjang.
Di samping itu, pada tanggal 18 April 2024, FIF telah menerima In addition, on April 18, 2024, FIF received a loan facility of
fasilitas pinjaman sebesar USD60 juta atau setara dengan USD60 million, equivalent to Rp974,150,000,000. The loan
Rp974.150.000.000. Pinjaman ini disusun berdasakan FIF was structured based on the FIF Sustainability Finance
Sustainability Finance Framework yang telah dievaluasi oleh Framework, which was evaluated by a Second-Party Opinion
Second-Party Opinion (SPO) dari Sustainalytics pada bulan (SPO) of Sustainalytics in March 2024. As of June 2024, the
Maret 2024. Per bulan Juni 2024, fasilitas pinjaman tersebut loan facility has been fully disbursed to consumers meeting the
telah sepenuhnya disalurkan ke konsumen yang memenuhi requirements and criteria outlined in the Framework.
syarat dan kriteria yang ditetapkan dalam Framework tersebut.
Mayoritas pendanaan, yaitu sebesar 99,59% dialokasikan The majority of the funding, amounting to 99.59%, was allocated
untuk kategori Sosial. Di bawah kategori ini, FIF fokus dalam to the Social category. Under this category, FIF focuses on
memberikan pembiayaan motor Honda untuk konsumen providing Honda motorcycle financing for female consumers
wanita dengan salah satu kategori 3U (unbanked, underserved, belonging to one of the 3U categories (unbanked, underserved,
uneducated) (FIFASTRA), pembiayaan multi-guna untuk uneducated) (FIFASTRA), multipurpose financing for white
pembiayaan barang whitegoods (SPEKTRA), dan pembiayaan goods (SPEKTRA), and MSME financing (FINATRA). In addition,
UMKM (FINATRA). Selain itu, 0,41% dari total pembiayaan 0.41% of the total financing was disbursed under the Green
tersebut tersalurkan melalui kategori Green. Dalam kategori category. In this category, FIF participates in supporting the
ini, FIF turut berpartisipasi dalam mendukung penjualan produk sale of environmentally friendly products through financing
ramah lingkungan melalui pembiayaan motor listrik (FIFASTRA), for electric motorcycles (FIFASTRA), electric bicycles, and solar
sepeda listrik dan solar panel (SPEKTRA). panels (SPEKTRA).
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Kinerja Ekonomi
Economic Performance
Portofolio Kriteria Kegiatan Usaha Berkelanjutan
Portfolio of Sustainable Business Activity Criteria
Disajikan dalam jutaan Rupiah
Presented in million Rupiah
Uraian
2024 2023 2023
Description
Jumlah produk yang memenuhi Kategori Kegiatan Usaha Berkelanjutan (KKUB)
Number of products meeting the Sustainable Business Activity Category (KKUB)
Penghimpunan Dana
0 0 0
Funding
Penyaluran Dana
0 0 0
Fund Distribution
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
Total Pembiayaan Kegiatan Usaha Berkelanjutan
0 0 0
Total Financing for Sustainable Business Activities
Total Non-Pembiayaan Non-Kegiatan Usaha Berkelanjutan
0 0 0
Total Non-Financing Non-Sustainable Business Activities
Persentase total pembiayaan kegiatan usaha berkelanjutan terhadap
total pembiayaan (%)
0 0 0
Percentage of total financing for sustainable business activities to total
financing (%)
Jumlah dan kualitas pembiayaan berdasarkan Kategori Kegiatan Usaha Berkelanjutan (KKUB)
Amount and quality of financing based on the Sustainable Business Activity Category (KKUB)
Energi terbarukan
0 0 0
Renewable energy
Efisiensi Energi
0 0 0
Energy efficiency
Pencegahan dan pengendalian polusi
0 0 0
Pollution prevention and control
Pengelolaan sumber daya alam hayati dan penggunaan lahan yang
berkelanjutan 0 0 0
Sustainable management of biological natural resources and land use
Konservasi keanekaragaman hayati darat dan air
0 0 0
Conservation of terrestrial and aquatic biodiversity
Transportasi ramah lingkungan
38.202.459.487 30.722.540.290 11.282.029.399
Environmentally friendly transportation
Pengelolaan air dan air limbah yang berkelanjutan
0 0 0
Sustainable water and wastewater management
Adaptasi perubahan iklim
0 0 0
Climate change adaptation
Produk yang dapat mengurangi penggunaan sumber daya dan menghasilkan
lebih sedikit polusi (Eco-efficient) 0 0 0
Products that reduce resource use and generate less pollution (eco-efficient)
Bangunan berwawasan lingkungan yang memenuhi standar atau
sertifikasi yang diakui secara nasional, regional, atau internasional
0 0 0
Environmentally friendly buildings meeting national, regional, or
international standards/certifications
Kegiatan usaha dan/atau kegiatan lain yang berwawasan lingkungan lainnya
0 0 0
Other environmentally friendly business activities
Kegiatan UMKM
914.743.406.594 1.049.714.015.837 295.728.661.776
MSME activities
Kegiatan UMKM (Syariah) 0 0 1.121.810.000
MSME activities (Sharia)
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Pada tahun 2024, FIFGROUP mempertegas komitmennya In 2024, FIFGROUP reinforced its commitment to sustainable
terhadap keuangan berkelanjutan dengan mengintegrasikan finance by integrating environmental, social, and governance
prinsip-prinsip lingkungan, sosial, dan tata kelola (LST) ke (ESG) principles into its business and operational strategies.
dalam strategi bisnis dan operasionalnya. Perseroan memulai The Company started this initiative by identifying credit
langkah ini dengan mengidentifikasi segmen portofolio kredit portfolio segment relevant to the Sustainable Business
yang relevan dengan Kategori Kegiatan Usaha Berkelanjutan Activities Category (KKUB) and aligning them with internal
(KKUB) dan menyelaraskannya dengan kebijakan internal policies designed to support green financing. Through a
yang telah dirancang untuk mendukung pertumbuhan holistic approach, FIFGROUP not only considers the direct
pembiayaan hijau. Melalui pendekatan holistik, FIFGROUP impact of financing on the environment and society but also
tidak hanya mempertimbangkan dampak langsung dari develops indicators to measure its long-term effectiveness.
pembiayaan terhadap lingkungan dan sosial tetapi juga
mengembangkan indikator untuk mengukur efektivitasnya
dalam jangka panjang.
Sepanjang tahun, Perseroan juga merespons tantangan Throughout the year, the Company also responded to
global seperti perubahan iklim dengan melakukan analisis global challenges such as climate change by conducting
risiko secara mendalam terhadap seluruh portofolio an in-depth risk analysis of its entire credit portfolio. The
kreditnya. Hasil analisis ini menunjukkan bahwa meskipun results of this analysis indicate that although changing
perubahan pola iklim berpotensi memengaruhi konsumsi climate patterns have the potential to affect consumption
dan aktivitas usaha, tidak ada kerugian signifikan yang and business activities, the Company did not experience
dialami Perseroan pada tahun 2024. Hal ini mencerminkan any significant losses in 2024. This reflects the resilience
ketangguhan strategi pengelolaan risiko yang diterapkan. of the risk management strategy implemented. [GRI 201-2]
[GRI 201-2]
Dalam menjaga transparansi dan akuntabilitas, FIFGROUP To maintain transparency and accountability, FIFGROUP
rutin menyampaikan laporan keuangan triwulanan kepada regularly submitted quarterly financial reports to financial
lembaga keuangan serta laporan tahunan yang telah institutions and audited annual reports to the public.
diaudit kepada publik. Kepatuhan terhadap peraturan Compliance with tax regulations is also a top priority,
perpajakan juga menjadi prioritas utama, di mana seluruh ensuring that all tax obligations, including Non-Tax State
kewajiban pajak termasuk Penerimaan Negara Bukan Pajak Revenue (PNBP), are fulfilled on time. This process is
(PNBP) dipenuhi dengan tepat waktu. Langkah ini diawasi directly supervised by the Finance Director, who actively
langsung oleh Direktur Keuangan yang berperan aktif dalam fosters collaborative relationships with local tax authorities.
membangun hubungan kolaboratif dengan otoritas pajak Throughout 2024, FIFGROUP not only focused on business
setempat. Selama tahun 2024, FIFGROUP tidak hanya operations but also ensured employee welfare through
fokus pada operasional bisnis, tetapi juga memastikan the payment of fair and regulated employee benefits. The
kesejahteraan karyawan melalui pembayaran imbalan kerja Company remained independent without receiving financial
yang adil dan sesuai regulasi. Perseroan tetap mandiri tanpa assistance from the government, demonstrating stable
menerima bantuan finansial dari pemerintah, menunjukkan financial strength. [GRI 201-4, 207-1, 207-2, 207-3, 207-4]
kekuatan finansial yang stabil. [GRI 201-4, 207-1, 207-2,
207-3, 207-4]
Melalui sinergi strategi keberlanjutan, tata kelola yang Through the synergy of sustainability strategies, strong
kuat, dan kepatuhan terhadap regulasi, FIFGROUP telah governance, and regulatory compliance, FIFGROUP has
menciptakan fondasi yang kokoh untuk mendukung built a solid foundation to support sustainable growth
pertumbuhan berkelanjutan sekaligus memberikan kontribusi while making a positive contribution to community and the
positif bagi masyarakat dan lingkungan. Informasi lengkap environment. Detailed information on FIFGROUP's financial
mengenai kinerja keuangan dan keberlanjutan FIFGROUP performance and sustainability can be accessed in the 2024
dapat diakses melalui Laporan Tahunan 2024 di situs resmi Annual Report on the Company's official website.
Perseroan.
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Kinerja Ekonomi
Economic Performance
Rantai Pasokan [GRI 2-6]
Supply Chain [GRI 2-6]
Pemasok memegang peran strategis sebagai mitra utama Suppliers play a strategic role as key partners in supporting
dalam mendukung operasional dan keberlanjutan FIFGROUP. FIFGROUP's operations and sustainability. Therefore, the
Oleh karena itu, Perseroan berkomitmen untuk terus Company is committed to continuously strengthening
memperkuat manajemen rantai pasok yang profesional, a professional, high-quality, transparent supply chain
berkualitas, transparan, dan sesuai dengan prinsip keuangan management system that aligns with sustainable finance
berkelanjutan. Proses rantai pasok ini mencakup pengadaan principles. This supply chain process includes the
barang dan jasa yang dilakukan melalui serangkaian prosedur procurement of goods and services through a series of
ketat, termasuk seleksi pemasok yang mengutamakan rigorous procedures, including a supplier selection process
kepatuhan terhadap aspek lingkungan, sosial, dan tata kelola that prioritizes compliance with environmental, social, and
(LST). Dalam menghadapi potensi dampak negatif di rantai governance (ESG) aspects. To address potential negative
pasok, FIFGROUP telah menyiapkan mekanisme penanganan impacts in the supply chain, FIFGROUP has established a
yang selaras dengan regulasi yang berlaku. handling mechanism that is in line with applicable regulations.
Sepanjang tahun 2024, jumlah pemasok FIFGROUP Throughout 2024, the number of FIFGROUP suppliers
mencapai 6.896 mitra, dengan seluruhnya (100%) berasal dari reached 6,896 partners, all of whom (100%) were local
pemasok lokal. Hal ini menunjukkan komitmen Perseroan suppliers. This demonstrates the Company's commitment
dalam mendukung pemberdayaan ekonomi domestik dan to supporting domestic economic empowerment and
memprioritaskan kerja sama dengan mitra lokal. Sepanjang prioritizing collaboration with local partners. During this
periode ini, tidak ditemukan kasus dampak negatif yang period, no significant negative impacts were identified
signifikan dalam rantai pasok, termasuk praktik pekerja within the supply chain, including cases of child labor or
anak maupun pekerja paksa. forced labor.
Melalui upaya ini, FIFGROUP tidak hanya memastikan Through these efforts, FIFGROUP not only ensures
kelancaran operasional bisnis tetapi juga mendukung smooth business operations but also supports social and
keberlanjutan sosial dan lingkungan dengan melibatkan environmental sustainability by involving responsible supplier
mitra pemasok yang bertanggung jawab. Komitmen ini partners. This commitment is part of the Company's strategic
merupakan bagian dari langkah strategis Perseroan untuk initiatives to create sustainable value for all stakeholders.
menciptakan nilai tambah yang berkelanjutan bagi seluruh [GRI 204-1, 308-1, 308-2, 408-1, 409-1, 414-1, 414-2]
pemangku kepentingan. [GRI 204-1, 308-1, 308-2, 408-1,
409-1, 414-1, 414-2]
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Kinerja
Keberlanjutan
Sustainability
Performance
07
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Menciptakan Karyawan Unggul
Creating Excellent Employees
Perseroan memastikan seluruh karyawan memiliki keunggulan dan kemampuan serta sikap kerja yang
sejalan dengan nilai inti perusahaan untuk mendukung pencapaian visi jangka panjang Perseroan.
The Company ensures that all employees have excellence and capabilities as well as work attitudes that are
in line with the Company’s core values to support the achievement of the Company’s long-term vision.
Mengenal Karyawan Kami [GRI 2-7, 2-8] Getting to Know Our Employees [GRI 2-7, 2-8]
Komposisi dan demografi karyawan FIFGROUP dirancang FIFGROUP's employee composition and demographics
secara strategis untuk mendukung kebutuhan korporasi are strategically designed to support the needs of the
dalam mencapai performa optimal dan menjalankan strategi corporation in achieving optimal performance and executing
bisnis yang telah ditetapkan. Hingga 31 Desember 2024, total the established business strategy. As of December 31, 2024,
jumlah karyawan tercatat sebanyak 14.134 orang, mengalami the total number of employees was 14,134, an increase of
peningkatan sebesar 2,41% dibandingkan dengan tahun 2.41% compared to 2023 which recorded 13,801 employees.
2023 yang mencatat 13.801 karyawan. Perubahan jumlah The change in number reflects the Company's efforts to
ini mencerminkan upaya adaptasi Perseroan terhadap adapt to business needs, including the optimization of human
kebutuhan bisnis, termasuk optimalisasi sumber daya capital and operational efficiency.
manusia dan efisiensi operasional.
Sepanjang tahun 2024, FIFGROUP merekrut 2.906 karyawan Throughout 2024, FIFGROUP recruited 2,906 new
baru, yang terdiri dari 2.070 karyawan laki-laki dan 836 employees, consisting of 2,070 male employees and
karyawan perempuan, menunjukkan komitmen Perseroan 836 female employees, demonstrating the Company's
terhadap keberagaman dan kesetaraan gender di tempat commitment to diversity and gender equality in the
kerja. Sementara itu, tingkat perputaran karyawan selama workplace. Meanwhile, the employee turnover rate during
periode ini mencapai 18,42%, dengan 2.537 karyawan this period reached 18.42%, with 2,537 employees leaving
meninggalkan perusahaan karena berbagai alasan, termasuk the company for various reasons, including retirement,
pensiun, alasan kesehatan, pengembangan karier di luar health, career development outside the Company, or family.
Perseroan, atau alasan keluarga.
Melalui pengelolaan sumber daya manusia yang adaptif Through adaptive and planned human capital management,
dan terencana, FIFGROUP memastikan keberlanjutan FIFGROUP ensures a sustainable workforce that supports
tenaga kerja yang mendukung pencapaian tujuan bisnis the achievement of business objectives while creating an
sekaligus menciptakan lingkungan kerja yang inklusif inclusive and productive work environment. The Company
dan produktif. Perseroan juga terus berupaya menarik also continues to attract and retain the best talent to support
dan mempertahankan talenta terbaik untuk mendukung sustainable growth in the future. [GRI 401-1]
pertumbuhan yang berkelanjutan di masa depan. [GRI 401-1]
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Kinerja Keberlanjutan
Sustainability Performance
Jumlah Karyawan Menurut Jenis Kelamin
Number of Employees by Gender
Jenis Kelamin
2024 2023 2022
Gender
Laki-laki
11.552 11.618 12.104
Male
Perempuan
2.582 2.183 1.857
Female
Jumlah
14.134 13.801 13.961
Total
Jumlah Karyawan Menurut Jabatan
Number of Employees by Position
2024 2023 2022
Jabatan
Position Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
Managerial* 54 19 73 58 18 76 60 19 79
Non-Managerial 11.498 2.563 14.061 11.560 2.165 13.725 12.044 1.838 13.882
Jumlah
11.552 2.582 14.134 11.618 2.183 13.801 12.104 1.857 13.961
Total
* Managerial terdiri dari Direksi, Division Head, dan Department Head. Sebanyak 98,67% dari total karyawan managerial adalah masyarakat lokal. [GRI 202-2]
* Managerial employees consist of Directors, Division Heads, and Department Heads. A total of 98.67% of managerial employees are local people. [GRI 202-2]
Jumlah Karyawan Menurut Usia
Number of Employees by Age
2024 2023 2022
Usia
Age Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
>55 0 0 0 1 0 1 2 0 2
46-55 495 119 614 444 108 552 413 100 513
36-45 3.239 524 3.763 3.186 502 3.688 3.143 472 3.615
26-35 6.037 1.372 7.409 6.030 1.218 7.248 6.260 1.038 7.298
18-25 1.781 567 2.348 1.957 355 2.312 2.286 247 2.533
Jumlah
11.552 2.582 14.134 11.618 2.183 13.801 12.104 1.857 13.961
Total
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Jumlah Karyawan Menurut Pendidikan
Number of Employees by Education
2024 2023 2022
Pendidikan
Education Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
Magister
35 22 57 30 17 47 21 9 30
Post Graduate
Sarjana
4.371 1.404 5.775 4.015 1.105 5.120 3.759 882 4.641
Bachelor’s
Diploma
946 327 1.273 976 316 1.292 1.020 305 1.325
Diploma
SMU
Senior High 6.197 829 7.026 6.576 741 7.317 7.279 658 7.937
School
SMP/SD
Junior High
3 0 3 21 4 25 25 3 28
School/
Elementary School
Jumlah
11.552 2.582 14.134 11.618 2.183 13.801 12.104 1.857 13.961
Total
Komposisi Karyawan Baru Berdasarkan Wilayah dan Jenis Kelamin [GRI 401-1]
New Employee Composition by Regional and Gender [GRI 401-1]
2024 2023 2022
Wilayah Perempuan
Regional Laki-laki Perempuan Jumlah Laki-laki Jumlah Laki-laki Perempuan Jumlah
Female
Male Female Total Male Total Male Female Total
Jakarta 324 125 449 227 24 251 252 75 327
Luar Jakarta
1746 711 2457 1.187 553 1.740 1387 342 1729
Outside Jakarta
Jumlah
2070 836 2906 1.414 577 1.991 1639 417 2056
Total
Tingkat Perputaran (Turnover) Karyawan [GRI 401-1]
Employee Turnover Rate [GRI 401-1]
Uraian
2024 2023 2022
Description
Karyawan Masuk
2.906 1.991 2.056
New Hires
Karyawan Keluar
2.573 2.151 2.145
Employees Leaving
Rasio Perputaran Karyawan
18,42% 15,50% 15,07%
Employee Turnover Ratio
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Kinerja Keberlanjutan
Sustainability Performance
FIFGROUP berkomitmen kuat terhadap keberagaman dan inklusivitas
di lingkungan kerja dengan mendukung keberadaan karyawan
disabilitas melalui program FIFriendibility. Program ini tidak hanya
sebatas upaya menciptakan peluang pekerjaan yang inklusif, tetapi
juga tentang membangun budaya kerja yang menghargai perbedaan
dan mempromosikan keberagaman. Program ini terselenggara melalui
kerja sama dengan Dinas Sosial DKI Jakarta, Shine Disability Community,
Alunjiva Indonesia dan stakeholder terkait lainnya. Sepanjang periode
2022–2024, program ini berhasil memberikan peluang kerja kepada
214 karyawan disabilitas.
FIFGROUP is strongly committed to diversity and inclusivity in the
FIFriendibility workplace by supporting employees with disabilities through the
FIFriendibility program. This program is not only about creating inclusive
FIFriendibility
employment opportunities but also about fostering a work culture that
respects differences and promotes diversity. The program is implemented
through collaboration with the Jakarta Social Service, Shine Disability
Community, Alunjiva Indonesia, and other relevant stakeholders. From
2022 to 2024, this initiative has successfully provided employment
opportunities for 214 employees with disabilities.
Kesejahteraan dan Kesetaraan Karyawan [GRI 3-3] Employee Welfare and Equality [GRI 3-3]
Karyawan adalah aset utama yang mendorong keberhasilan Employees are the primary asset that drives the operational
operasional dan pencapaian tujuan bisnis FIFGROUP. Dengan success and achievement of FIFGROUP's business
dasar ini, Perseroan berkomitmen untuk terus meningkatkan objectives. Therefore, the Company is committed to
keterampilan, kesejahteraan, dan kepuasan kerja karyawan continuously improving the skills, welfare and job satisfaction
melalui strategi pengelolaan sumber daya manusia (SDM) of its employees through a targeted human capital
yang terarah. Kebijakan SDM FIFGROUP didasarkan pada management strategy. FIFGROUP's HC policy is based on
people strategy yang selaras dengan peraturan perusahaan a people strategy that aligns with Company regulations as
serta peraturan ketenagakerjaan di Indonesia. Dalam seluruh well as Indonesian labor regulations. In all its operations, the
wilayah operasinya, Perseroan melarang praktik kerja paksa Company prohibits forced labor and child labor, ensuring
dan tenaga kerja anak, memastikan bahwa 100% hak dan that 100% of employees' rights and obligations are protected
kewajiban karyawan dilindungi melalui regulasi yang berlaku. through applicable regulations. Throughout 2024, there
Sepanjang tahun 2024, tidak tercatat adanya pemogokan were no strikes or lockouts recorded in the Company's
atau lockout di lingkungan operasional Perseroan. [OJK F.19] operational environment. [OJK F.19] [GRI 408-1, 409-1]
[GRI 408-1, 409-1]
FIFGROUP menanamkan prinsip keberagaman, kesetaraan, FIFGROUP embeds the principles of diversity, equality,
dan inklusi ke dalam seluruh siklus manajemen SDM. and inclusion into the entire HC management cycle.
Mulai dari rekrutmen, pengembangan kompetensi, hingga Starting from recruitment, competency development, to
evaluasi kinerja, semua proses dilakukan secara adil dan performance evaluation, all processes are performed fairly
transparan tanpa membedakan gender, suku, agama, ras, and transparently without distinguishing gender, ethnicity,
atau golongan. Apabila terdapat tindakan diskriminasi atau religion, race, or social group. In the case of discrimination
pelecehan di tempat kerja, Perseroan akan mengambil or harassment in the workplace, the Company will take firm
tindakan tegas sesuai dengan kebijakan dan peraturan action in accordance with applicable policies and regulations.
yang berlaku. Pada tahun 2024, tidak ada laporan insiden In 2024, there were no reported incidents of discrimination or
diskriminasi atau pelecehan. Selain itu, melalui program harassment. Moreover, through the FIFriendibility program,
FIFriendibility, Perseroan secara aktif merekrut karyawan the Company actively recruits employees with disabilities,
disabilitas, memberikan pelatihan, dan melibatkan mereka provides training, and involves them in various operational
dalam berbagai kegiatan operasional. [GRI 406-1] activities. [GRI 406-1]
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FIFGROUP juga menegaskan penghormatannya terhadap FIFGROUP also affirms its respect for human rights as stated
hak asasi manusia (HAM) sebagaimana tertuang dalam in the policy of the Company Regulation 2023-2025, which
kebijakan Peraturan Perusahaan Tahun 2023-2025 yang ensures the fulfillment of human rights for employees. [SASB
memastikan pemenuhan HAM bagi karyawan. [SASB FN- FN-CF-270a.1]
CF-270a.1]
Hingga akhir 2024, tidak ada indikasi pelanggaran kebebasan Until the end of 2024, there are no indications of
berserikat, persaingan usaha tidak sehat, atau monopoli. Semua violations of freedom of association, unfair competition, or
tenaga keamanan yang dikelola Perseroan telah menjalani monopoly. All security personnel managed by the Company
pelatihan HAM untuk memastikan pemahaman mereka dalam have undergone human rights training to ensure their
mendukung lingkungan kerja yang aman dan kondusif. [GRI understanding in supporting a safe and conducive work
2-30, 206-1, 407-1, 410-1] environment. [GRI 2-30, 206-1, 407-1, 410-1]
Perseroan secara konsisten menciptakan lingkungan kerja yang The Company consistently creates a comfortable and
nyaman dan produktif dengan menyediakan fasilitas pendukung productive work environment by providing adequate
yang memadai. FIFGROUP juga melakukan survei upah rutin dan supporting facilities. FIFGROUP also conducts regular wage
studi benchmarking untuk memastikan pemberian kompensasi surveys and benchmarking studies to ensure competitive
yang kompetitif. Sistem remunerasi Perseroan mengadopsi compensation. The Company's remuneration system adopts
pendekatan Astra Group yang dikenal sebagai 3P: the Astra Group approach known as 3P:
• Pay for Position: Penghargaan diberikan berdasarkan • Pay for Position: Rewards are given based on position
jabatan dan struktur remunerasi yang kompetitif di pasar. and market-competitive remuneration structures.
• Pay for People: Penghargaan diberikan berdasarkan • Pay for People: Rewards are given based on employee
kompetensi karyawan, khususnya bagi mereka yang berada competencies, particularly for those in the Human Asset
dalam kotak Human Asset Value (HAV) untuk golongan 4-6. Value (HAV) box for groups 4-6.
• Pay for Performance: Penghargaan diberikan berdasarkan • Pay for Performance: Rewards are given based on the
hasil evaluasi kinerja tahunan. results of annual performance evaluation.
Melalui pendekatan ini, FIFGROUP memastikan bahwa Through this approach, FIFGROUP ensures that remuneration
remunerasi diberikan secara transparan, adil, dan is given transparently, fairly, and proportionally according to
proporsional sesuai tanggung jawab serta kontribusi masing- the responsibilities and contributions of each employee. With
masing karyawan. Dengan fokus pada kesejahteraan, a focus on welfare, diversity, and development, FIFGROUP
keberagaman, dan pengembangan, FIFGROUP terus continues to build an inclusive, competitive, and sustainable
membangun budaya kerja yang inklusif, berdaya saing, work culture.
dan berkelanjutan.
Perseroan juga memiliki program insentif bagi tenaga The Company also has an incentive program for marketing
pemasar yang berhasil memasarkan produk dan layanan personnel who successfully market FIFGROUP products
FIFGROUP. and services.
Pada tahun 2024, remunerasi karyawan golongan terendah In 2024, the remuneration of the Company's lowest
Perseroan telah sesuai dengan standar Upah Minimum employee category complied with the Regional Minimum
Regional yang ditetapkan oleh pemerintah setempat. [OJK F.20] Wage standards set by the local government. [OJK F.20]
Sebagai bentuk apresiasi atas kontribusi karyawan, FIFGROUP As a form of appreciation for employee contributions,
menyediakan berbagai fasilitas kesejahteraan yang dirancang FIFGROUP provides various welfare benefits that are
secara adil dan seimbang sesuai nilai pekerjaan dan designed fairly and equitably according to the value of work
tanggung jawab masing-masing individu. Komponen utama and responsibilities of each individual. The key components
kesejahteraan ini meliputi: of these benefits include:
• Tunjangan Hari Raya sebagai bagian dari hak karyawan; • Religious Holiday allowance as part of employee rights;
• Tunjangan Pendukung Kerja, seperti transportasi, makan, • Work Support Allowances, such as transportation, meals,
komunikasi, dan operasional; communication, and operations;
• Dana Pensiun untuk mempersiapkan masa purnabakti; • Pension Fund to prepare for retirement;
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• Fasilitas Kesehatan, termasuk rawat jalan, rawat inap, • Health facilities, including outpatient care, inpatient care,
dan persalinan; and childbirth;
• Asuransi Jiwa dan Kecelakaan untuk melindungi karyawan • Life and Accident Insurance to protect employees from
dari risiko; potential risks;
• Penghargaan Masa Kerja untuk loyalitas; dan • Period of Service Award for loyalty; and
• Hadiah Kinerja sebagai motivasi tambahan bagi karyawan • Performance Rewards as additional motivation for
yang mencapai target tertentu. employees who achieve certain targets.
Sebagai bagian dari upaya meningkatkan semangat kerja, As part of efforts to boost employee morale, FIFGROUP
FIFGROUP mengimplementasikan program Value Internalization implements the Value Internalization Point (VIP) program,
Point (VIP), sebuah sistem penghargaan berbasis poin yang a point-based reward system given to employees for
diberikan kepada karyawan atas partisipasi dalam berbagai participating in various development activities, such
kegiatan pengembangan, seperti pelatihan, knowledge sharing, as training, knowledge sharing, FIFGROUP Innovation
FIFGROUP Innovation Award, dan program lainnya. Poin-poin Award, and other programs. The accumulated points can
yang terkumpul dapat ditukar dengan hadiah menarik yang be redeemed for attractive rewards tailored to employees’
sesuai dengan kebutuhan karyawan, menciptakan semangat needs, fostering a healthy and innovative competitive spirit
berkompetisi yang sehat dan inovatif di lingkungan kerja. in the work environment.
Selain itu, Perseroan juga memberikan perhatian khusus pada Additionally, the Company pays special attention to the
kesehatan dan keseimbangan hidup karyawan melalui fasilitas health and work-life balance of employees through routine
medical check-up rutin, serta cuti melahirkan dan cuti khusus bagi medical check-up facilities, as well as maternity leave and
karyawan yang menjadi orang tua baru. Karyawan perempuan special leave for new parents. Female employees are
berhak atas cuti selama 1,5 bulan sebelum melahirkan dan entitled to 1.5 months of leave before giving birth and 1.5
1,5 bulan sesudah melahirkan, sementara karyawan laki-laki months after giving birth, while male employees receive two
mendapatkan cuti khusus selama 2 hari untuk mendampingi days of special leave to support their wives. Throughout
istrinya. Sepanjang tahun 2024, terdapat 142 karyawan 2024, 142 female employees took maternity leave and 306
perempuan yang mengambil cuti melahirkan dan 306 karyawan male employees utilized this special leave, with a 100%
laki-laki yang memanfaatkan cuti khusus ini, dengan tingkat return-to-work rate. [GRI 401-2, 401-3]
kembali bekerja mencapai 100%. [GRI 401-2, 401-3]
Bagi karyawan yang memasuki masa purnabakti, FIFGROUP For employees entering retirement, FIFGROUP ensures their
memastikan kesiapan finansial dan keterampilan mereka financial and skills readiness through a retirement program.
melalui program pensiun. Perseroan mengikutsertakan The Company enrolls employees in the Old-Age Benefit (JHT)
karyawan dalam program Jaminan Hari Tua (JHT) dan Jaminan and Pension Benefit (JP) programs under the Social Security
Pensiun (JP) melalui Badan Penyelenggara Jaminan Sosial Organizing Agency (BPJS), with contributions of 3.7% from
(BPJS), dengan kontribusi sebesar 3,7% dari Perseroan dan the Company and 2% from employees for JHT, and 2% from
2% dari karyawan untuk JHT, serta 2% dari Perseroan dan the Company and 1% from employees for JP. Furthermore,
1% dari karyawan untuk JP. Selain itu, karyawan yang akan employees nearing retirement receive specialized training
pensiun mendapatkan pelatihan khusus seperti FIFPRENEUR, such as FIFPRENEUR, a program that prepares them to start
sebuah program yang mempersiapkan mereka untuk memulai and manage a business before officially retiring. Throughout
dan mengelola usaha sebelum resmi pensiun. Sepanjang 2024, 22 employees have retired with a smooth transition
tahun 2024, terdapat 22 karyawan yang telah memasuki masa (offered FIFPRENEUR activities). [GRI 201-3, 404-2]
pensiun dengan transisi yang lancar (ditawarkan kegiatan
FIFPRENEUR). [GRI 201-3, 404-2]
Melalui berbagai inisiatif ini, FIFGROUP menunjukkan Through these various initiatives, FIFGROUP demonstrates
komitmennya dalam menciptakan lingkungan kerja yang its commitment in creating a supportive, sustainable work
mendukung, berkelanjutan, dan memprioritaskan kesejahteraan environment, and prioritizing employee welfare as an integral
karyawan sebagai bagian integral dari keberhasilan Perseroan. part of the Company's success.
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Menjaga Lingkungan Kerja yang Layak dan Aman Maintaining a Decent and Safe Working
[OJK F.21][GRI 3-3] Environment [OJK F.21][GRI 3-3]
FIFGROUP berkomitmen menciptakan lingkungan kerja yang FIFGROUP is committed to creating a safe, healthy, and
aman, sehat, dan layak bagi seluruh karyawannya sebagai decent work environment for all employees as a form of
wujud tanggung jawab terhadap kesejahteraan sumber daya responsibility for the welfare of human capital. The Company
manusia. Perseroan mematuhi berbagai regulasi nasional dan complies with various national and international regulations,
internasional, seperti Undang-Undang Nomor 1 Tahun 1970 such as Law No. 1 Year 1970 concerning Occupational Safety,
tentang Keselamatan Kerja, Peraturan Pemerintah Nomor Government Regulation No. 50 Year 2012 concerning
50 Tahun 2012 tentang Penerapan Sistem Manajemen the Implementation of Occupational Health and Safety
Kesehatan dan Keselamatan Kerja (SMK3), Peraturan Otoritas Management Systems (OHSMS), Financial Services Authority
Jasa Keuangan No. 51 Tahun 2017 tentang Keuangan Regulation No. 50 of 2017 concerning Sustainable Finance,
Berkelanjutan, serta mendukung Astra 2030 Sustainability as well as supporting Astra 2030 Sustainability Aspirations
Aspirations dan Tujuan Pembangunan Berkelanjutan (TPB). and the Sustainable Development Goals (SDGs).
Sebagai langkah proaktif, Perseroan melakukan identifikasi As a proactive measure, the Company identifies potential
terhadap potensi risiko kesehatan dan keselamatan di seluruh health and safety risks in all operational activities. This
aktivitas operasional. Proses ini dikelola oleh tim EHSSR & process is managed by the competent EHSSR & Sustainability
Sustainability Management yang berkompeten. Berikut adalah Management team. The following are some of the strategic
beberapa inisiatif strategis yang diimplementasikan untuk initiatives implemented to create a safer and more productive
menciptakan lingkungan kerja yang lebih aman dan produktif: work environment:
1. Pengelolaan Lingkungan Perkantoran: 1. Office Environment Management:
• Kerjasama dengan bank sampah untuk meningkatkan • Collaboration with waste banks to improve the
pengelolaan sampah pastik dan non-plastik. management of plastic and non-plastic waste
• Monitoring perizinan lingkungan dan pengelolaan • Monitoring environmental licensing and management
limbah B3 dan non-B3. of B3 and non-B3 waste.
• Pelaksanaan pengukuran iklim kerja dan pengendalian • Implementation of work climate measurement and
hama (pest control). pest control.
• Implementasi 5R (Ringkas, Rapi, Resik, Rawat, dan Rajin) • Implementation of 5R/5S (Sort, Set in Order, Shine,
Standardize, and Sustain)
•
Kampanye pengelolaan sampah untuk meningkatkan • Waste management campaign to raise environmental
kesadaran akan lingkungan. Ayo Kurangi Sampah awareness, including Let’s Reduce National Waste/
Indonesia (AKSI) dengan program Beach Clean Up Ayo Kurangi Sampah Indonesia (AKSI) with the Beach
yang merupakan aksi bersih bersih pantai pulau Clean Up program which is a beach clean-up action on
pramuka, budi daya maggot untuk pengelolaan the Pramuka Island, maggot farming for organic waste
sampah organik, pembatasan penggunaan botol plastik management, restrictions on single-use plastic bottles,
mineral sekali pakai dan penandatanganan poster AKSI and the signing of the AKSI posters across the network.
di seluruh network.
2. Peningkatan Ergonomi dan Produktivitas Kerja 2. Ergonomic and Productivity Enhancement
• Penyediaan kursi dan meja kerja ergonomis untuk • Provision of ergonomic chairs and desks to support
mendukung postur kerja yang ideal. ideal working postures.
• Pengaturan durasi kerja yang seimbang untuk • Balanced work duration management to
menjaga produktivitas. maintain productivity.
3. Kesehatan dan Kebugaran Karyawan 3. Employee Health and Fitness
• Kampanye kesehatan melalui program-program • Health campaigns through employee sports
olahraga karyawan untuk meningkatkan kesadaran programs to raise awareness of healthy lifestyles
akan gaya hidup sehat melalui FIFIRSTEP through FIFIRSTEP
• Aktivitas rutin seperti stretching dan drinking time untuk • Regular activities such as stretching and drinking
meningkatkan kebugaran. time to improve fitness.
• Pemeriksaan kesehatan pra-kerja dan berkala (MCU) • Pre-employment and periodic medical check-ups
untuk pencegahan penyakit. (MCU) for disease prevention.
4. Keselamatan Kerja 4. Workplace Safety
• Penyediaan alat keselamatan seperti alat pemadam • Provision of safety equipment such as fire extinguishers
api ringan (APAR), detektor asap, alarm kebakaran, (APAR), smoke detectors, fire alarms, first aid kits, and
kotak P3K serta tanda-tanda keselamatan kerja. workplace safety signs.
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• Pelatihan tanggap darurat seperti simulasi bencana, • Emergency response training, including disaster
pelatihan floor warden, dan pertolongan pertama. simulations, floor warden training, and first aid.
• Implementasi EHS Golden Rules (PEKA, PASTI, PATUH) • Implementation of EHS Golden Rules (PEKA, PASTI,
dan Launching “Maskot Bung Aman” sebagai inisiatif PATUH) and the launch of "Bung Aman” mascot as an
dalam memastikan standar dan program keselamatan initiative in ensuring safety standards and programs are
terlaksana di seluruh network FIFGROUP. implemented throughout the FIFGROUP’s network.
• Peluncuran kampanye safety riding FIFGROUP dengan • The launch of FIFGROUP's safety riding campaign
nama FIFGROUP Aman Berlalu Lintas” yang terdiri dari under the name FIFGROUP Aman Berlalu Lintas
berbagai rangkaian kegiatan seperti training safety (FIFGROUP Safe Traffic), which consists of various
riding, inspeksi safety riding, video competition safety activities such as safety riding training, safety riding
riding, campaign safety riding di acara FIFGROUP 35th inspections, safety riding video competition, safety
Localicious dan IMOS, pengecekan fit to work, dan riding campaigns at FIFGROUP 35th Localicious
monitoring berkendara karyawan lapangan (field) and IMOS events, fit to work checking, and field
yang dilakukan oleh FABL Champion menggunakan employees’ driving behavior monitoring by FABL
aplikasi action. Champion using the action application.
• Pelaksanaan EHS Patrol ke beberapa network • Implementation of EHS Patrol to several FIFGROUP
FIFGROUP untuk memastikan kondisi dan networks to ensure the condition and completeness
kelengkapan sarana dan prasana keselamatan kerja of occupational safety facilities and infrastructures in
di network FIFGROUP dalam kondisi optimal. FIFGROUP network are in optimal condition.
5. Penilaian dan Peningkatan K3 5. OHS (Occupational Health and Safety) Assessment and
Improvement
Pemenuhan standar K3 berdasarkan Assessment Astra Fulfillment of OHS standards based on the Astra
Green Company (AGC), yang mencakup manajemen Green Company (AGC) Assessment, including system
sistem, titik kritis (critical points), serta kepatuhan hukum. management, critical points, and legal compliance. In
Pada tahun 2024, penilaian AGC dilakukan di 2 cabang 2024, AGC assessments were carried out at 2 branches
yakni Ciledug dan Bandung 2 dengan hasil predikat GOLD. namely Ciledug and Bandung 2 with the result of the
GOLD predicate.
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Sebagai hasil dari komitmen ini, sepanjang tahun 2024, As a result of this commitment, throughout 2024, there were
tidak tercatat adanya kecelakaan kerja fatal maupun no fatal work accidents or occupational diseases that caused
penyakit akibat kerja (PAK) yang menyebabkan hari hilang lost days in FIFGROUP’s operational environment. This serves
di lingkungan operasional FIFGROUP. Hal ini menjadi bukti as clear evidence of the Company's success in creating a safe
nyata keberhasilan Perseroan dalam menciptakan tempat and conducive workplace. [GRI 403-9, 403-10]
kerja yang aman dan kondusif. [GRI 403-9, 403-10]
FIFGROUP akan terus meningkatkan standar keselamatan FIFGROUP will continue to enhance occupational safety and
dan kesehatan kerja guna mendukung keberlanjutan bisnis health standards to support business sustainability while
sekaligus meningkatkan kesejahteraan karyawannya. improving the welfare of its employees.
FIFGROUP meluncurkan program FIFGROUP Aman Berlalu Lintas
(FABL) dengan slogan “Prioritaskan Keselamatan di Setiap Perjalanan”.
Program yang ditujukan untuk karyawan internal dan eksternal ini meliputi
berbagai materi berkendara secara aman (safety riding) di antaranya
aspek keselamatan berkendara, faktor penyebab kecelakaan, hingga
teknik berkendara seperti pengereman, menikung, dan mengantisipasi
potensi bahaya. Program pelatihan ini telah terlaksana dalam dua
gelombang dan berhasil menjangkau 88 karyawan.
FIFGROUP launched the FIFGROUP Aman Berlalu Lintas (FABL) Program
with the slogan “Prioritize Safety in Every Journey.” This program, aimed
at both internal and external employees, covers various aspects of safe
FIFGROUP Aman riding, including road safety, accident risk factors, and riding techniques
such as braking, cornering, and anticipating potential hazards. The
Berlalu Lintas training program has been organized in two batches and has successfully
FIFGROUP Aman Berlalu Lintas reached 88 employees.
Pelatihan dan Pendidikan Karyawan [OJK F.21][GRI 3-3] Employee Training and Education [OJK F.21][GRI 3-3]
FIFGROUP memberikan perhatian besar terhadap FIFGROUP places great emphasis on human capital
pengembangan sumber daya manusia melalui pelatihan, development through training, further education, certification,
pendidikan lanjutan, sertifikasi, dan in-house training yang and in-house training integrated in the FIFGROUP Academy
terintegrasi dalam platform FIFGROUP Academy. Didirikan platform. Established in 2016, FIFGROUP Academy
pada tahun 2016, FIFGROUP Academy telah menjadi pusat has become a leading center for building employee
unggulan dalam membangun kompetensi karyawan untuk competencies to support the Company's operations and
mendukung operasional dan pencapaian tujuan strategis achievement of strategic goals. The development curriculum
Perseroan. Kurikulum pengembangan yang ditawarkan offered is systematically designed, covering three main
dirancang secara sistematis, mencakup tiga kategori utama: categories:
• Regular Training • Regular Training
Pelatihan rutin yang diselenggarakan secara berkala Regular training organized periodically by the head office
oleh kantor pusat dan cabang. Jadwal pelatihan ini and branch offices. This training schedule is outlined
dituangkan dalam Training Catalog atau Kalender in the Training Catalog or Training Calendar which is
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Pelatihan yang dirancang untuk memenuhi kebutuhan designed to meet the specific needs of employees based
spesifik karyawan berdasarkan posisi dan tanggung on their positions and responsibilities.
jawab mereka.
• Irregular Training • Irregular Training
Pelatihan ini mencakup program yang diselenggarakan This training includes programs organized outside of
di luar jadwal rutin, baik secara internal maupun eksternal. the regular schedule, both internally and externally. This
Pelatihan ini memungkinkan karyawan untuk mengikuti training allows employees to attend public courses or
kursus atau lokakarya publik guna memperdalam workshops to sharpen specific competencies according
kompetensi tertentu sesuai kebutuhan operasional to operational or individual needs.
atau individu.
• Knowledge Sharing Forum • Knowledge Sharing Forum
Program berbagi pengetahuan yang dilakukan secara rutin A knowledge sharing program conducted regularly
setiap bulan. Forum ini dirancang untuk mendorong budaya every month. This forum is designed to encourage a
kolaborasi dan transfer ilmu antar karyawan sehingga dapat culture of collaboration and knowledge transfer among
memperkuat pemahaman kolektif dalam berbagai bidang. employees, thus strengthening collective understanding
in various fields.
FIFGROUP berkomitmen untuk mengurangi kesenjangan FIFGROUP is committed to reducing the competency gap
kompetensi di antara karyawan, memastikan semua individu among employees, ensuring all individuals can develop
dapat berkembang secara merata untuk mendukung equally to support the achievement of the Company's
pencapaian target jangka panjang perusahaan. long-term targets.
Pada tahun 2024, FIFGROUP Academy telah berhasil In 2024, FIFGROUP Academy has successfully realized a
merealisasikan anggaran pelatihan dan pengembangan training and development budget of Rp26,429,211,002
SDM sebesar Rp26.429.211.002 atau setara dengan 243,24% or equivalent to 243.24% of the total budget plan set at
dari total rencana anggaran yang telah ditetapkan sebesar Rp10,865,568,570. There are several types of training and
Rp10.865.568.570. Terdapat beberapa jenis pelatihan dan education programs implemented, such as regular training,
program pendidikan yang dilaksanakan, seperti pelatihan technical training, and knowledge sharing forums, covering
reguler, pelatihan teknis, dan knowledge sharing forum, technical, managerial, and sustainability topics. From all of
mencakup topik teknis, manajerial, hingga keberlanjutan. these programs, the total training hours attended by employees
Dari seluruh program tersebut, total jam pelatihan yang diikuti reached 220,587 hours and the average training hours per
karyawan mencapai 220.587 jam dan rata-rata jam pelatihan employee was 17,92 hours.
per karyawan adalah 17.92 jam.
Sebagai bagian dari komitmen pada keberlanjutan, FIFGROUP As part of its commitment to sustainability, FIFGROUP also
juga menyelenggarakan pelatihan terkait keuangan organizes training related to sustainable finance. The training
berkelanjutan. Pelatihan ini bertujuan untuk meningkatkan aims to raise employees' awareness and understanding
kesadaran dan pemahaman karyawan tentang isu-isu of sustainability issues, ensuring that they can actively
keberlanjutan, memastikan mereka mampu berkontribusi secara contribute to supporting the Company's sustainability strategy.
aktif dalam mendukung strategi keberlanjutan Perseroan.
Dengan berbagai upaya ini, FIFGROUP memastikan bahwa With these efforts, FIFGROUP ensures that every employee
setiap karyawan memiliki akses yang adil terhadap kesempatan has fair access to competency development opportunities,
pengembangan kompetensi, memperkuat kinerja organisasi strengthening organizational performance while building
sekaligus membangun daya saing yang berkelanjutan. sustainable competitiveness.
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Rata-rata Jam Pelatihan Per Tahun Per Karyawan [GRI 401-1]
Average Training Hours Per Year Per Employee [GRI 401-1]
2024 2023 2022
Jumlah Jumlah Jumlah
Karyawan yang Karyawan yang Karyawan yang
Uraian Jumlah Jam Menerima Jumlah Jam Menerima Jumlah Jam Menerima
Description Pelatihan Pelatihan Rata-rata Jam Pelatihan Pelatihan Rata-rata Jam Pelatihan Pelatihan Rata-rata Jam
Number of Number of Average Hours Number of Number of Average Hours Number of Number of Average Hours
Training Hours Employees Training Hours Employees Training Hours Employees
Receiving Receiving Receiving
Training Training Training
Keseluruhan
220.587 12.311 17.92 213.628 12.021 14.10 196.194 12.160 14.06
Overall
Berdasarkan Jenis Kelamin
By Gender
Laki-laki
173.172 9.674 17.90 167.709 9.437 17.8 154.022 9.546 16.1
Male
Perempuan
47.415 2.637 17.94 45.919 2.584 17.8 42.172 2.614 16.1
Female
Berdasarkan Level Jabatan
By Position Level
Managerial* 21.849 861 25.37 21.160 841 25.17 19.433 850 22.85
Non-
198.891 11.450 17.37 192.616 11.180 17.23 176.897 11.310 15.64
Managerial
Penilaian Kinerja Karyawan [GRI 404-3] Employee Performance [GRI 404-3]
Dalam rangka mendorong kinerja optimal dari setiap individu In order to encourage optimal performance of each individual in
di FIFGROUP, Perseroan menerapkan sistem evaluasi kinerja FIFGROUP, the Company implements a performance evaluation
yang berbasis prinsip keadilan, transparansi, dan objektivitas. system based on the principles of fairness, transparency,
Evaluasi ini mencakup pengukuran terhadap integritas, and objectivity. This evaluation includes measurement of
tanggung jawab, sikap profesional, performa, dan produktivitas the employee's integrity, responsibility, professional attitude,
karyawan. Hasil dari proses evaluasi ini menjadi dasar untuk performance and productivity. The results of this evaluation
berbagai keputusan strategis, seperti penghargaan kinerja, process become the basis for various strategic decisions,
pengelolaan karir (promosi golongan, sub-golongan, dan such as performance awards, career management (promotion
jabatan), manajemen talenta (Talent Management), hingga of class, sub-class, and position), talent management, and
pemberian sanksi disiplin jika diperlukan. disciplinary sanctions if necessary.
Tahapan dan Metode Penilaian Kinerja Performance Appraisal Stages and Methods
Penilaian kinerja karyawan di FIFGROUP dilakukan melalui Employee performance appraisal in FIFGROUP is done
proses yang terstruktur, dimulai sejak awal tahun. Proses through a structured process, starting from the beginning
ini terdiri atas tiga tahap utama: of the year. This process consists of three main stages:
1. Individual Activity Plan (IAP): Penetapan rencana 1. Individual Activity Plan (IAP): Establishment of an
kerja individu yang menjadi acuan target aktivitas individual work plan that serves as a reference for activity
sepanjang tahun. targets throughout the year.
2. Individual Performance Plan (IPP): Penyusunan 2. Individual Performance Plan (IPP): Formulation of specific
parameter spesifik untuk mengukur keberhasilan parameters to measure the successful execution of
pelaksanaan pekerjaan. the work.
3. Individual Development Plan (IDP): Rencana pengembangan 3. Individual Development Plan (IDP): Individual
individu yang mencakup peningkatan technical dan development plan that includes the enhancement of
soft skills. technical and soft skills.
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Sustainability Performance
Progres dan pelaksanaan ketiga komponen ini dimonitor The progress and implementation of these three components
melalui mekanisme review bulanan dan coaching & are monitored through monthly reviews and coaching &
counseling. counselling mechanisms.
• Review Bulanan: Evaluasi formal terhadap IAP dan • Monthly Review: Formal evaluation of IAPs and IPPs, with
IPP, yang hasilnya didokumentasikan dalam Problem the results documented in the Problem Identification
Identification Corrective Action (PICA) serta pemantauan Corrective Action (PICA) and monitoring of Key
Key Performance Indicators (KPI). Performance Indicators (KPIs).
• Performance & Development Feedback (PDF): Dilaksanakan • Performance & Development Feedback (PDF):
dua kali setahun, proses ini mencakup diskusi mendalam Conducted twice a year, this process includes in-depth
antara karyawan dan atasan terkait pencapaian kinerja discussions between employees and their supervisors on
serta potensi pengembangan. PDF menjadi dasar untuk performance achievements and development potential.
menyusun langkah-langkah pengembangan, seperti The PDF serves as the foundation for formulating
coaching dan konseling. development steps, such as coaching and counseling.
Penilaian Akhir dan Komite Evaluasi Final Assessment and Evaluation Committee
Pada penghujung tahun, di bulan Desember, dilakukan At the end of the year, in December, a final assessment is
penilaian akhir melalui proses berjenjang: implemented through a tiered process:
• Self-Appraisal: Karyawan mengevaluasi diri mereka sendiri • Self-Appraisal: Employees evaluate themselves based on
berdasarkan pencapaian KPI, proses kerja, dan penerapan their KPIs achievement, work processes, and the application
nilai-nilai inti Perseroan dalam keseharian. of the Company's core values in their daily work.
• Komite Penilaian: Hasil self-appraisal dikaji oleh komite • Assessment Committee: The self-appraisal results are
penilaian secara berjenjang untuk memastikan objektivitas reviewed by the assessment committee on a tiered basis
dan akurasi dalam menentukan hasil akhir. to ensure objectivity and accuracy in determining the
final results.
Penilaian ini memberikan dasar yang jelas dan terukur untuk This assessment provides a clear and measurable basis for
pengambilan keputusan terkait pengembangan karier, decision-making regarding career development, performance
pengelolaan kinerja, dan pemberian apresiasi kepada management, and rewarding outstanding employees.
karyawan yang berprestasi.
Hingga 31 Desember 2024, sebanyak 9.852 karyawan As of December 31, 2024, a total of 9,852 FIFGROUP
FIFGROUP atau 69,70% dari jumlah seluruh karyawan employees or 69.70% of all employees have undergone the
telah menjalani proses evaluasi kinerja. Sistem evaluasi performance evaluation process. This integrated evaluation
yang terintegrasi ini diharapkan tidak hanya mendorong system is expected not only to encourage individuals to give
individu untuk memberikan kontribusi terbaiknya, tetapi their best contribution, but also strengthen the FIFGROUP’S
juga memperkuat daya saing dan kemajuan FIFGROUP overall competitiveness and progress. This process reflects
secara keseluruhan. Proses ini mencerminkan komitmen the Company's commitment to HC management that is
Perseroan terhadap pengelolaan SDM yang berorientasi oriented towards sustainability and long-term success.
pada keberlanjutan dan keberhasilan jangka panjang.
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Menjaga Layanan Berkualitas
Maintaining Quality Service
FIFGROUP senantiasa menjaga kualitas layanan dengan menghadirkan solusi responsif terhadap
kebutuhan pelanggan melalui saluran komunikasi yang mudah diakses dan melakukan evaluasi
berkala terhadap sistem pelayanan serta menindaklanjuti setiap masukan untuk memastikan kepuasan
pelanggan tetap terjaga di tingkat optimal.
FIFGROUP consistently maintains service quality by providing responsive solutions to customer needs
through easily accessible communication channels and conducting periodic evaluations of the service
system, and following up on any input to ensure customer satisfaction remains at an optimal level.
Melindungi Keamanan Data dan Privasi Pelanggan Protecting Data Security and Customer Privacy
[OJK F.28][GRI 3-3] [OJK F.28][GRI 3-3]
Dalam era digital yang terus berkembang, ancaman terhadap In the constantly evolving digital age, threats to data security
keamanan data dan privasi pelanggan semakin kompleks. and customer privacy are increasingly complex. FIFGROUP
FIFGROUP berkomitmen untuk melindungi informasi pelanggan is committed to thoroughly protect customer information
secara menyeluruh dari risiko seperti pencurian data, kejahatan from risks such as data theft, cybercrime, and fraud. The
siber, dan penipuan. Perseroan memastikan bahwa setiap data Company ensures that every data is managed with high
dikelola dengan integritas tinggi dan hanya digunakan sesuai integrity and only used in accordance with the needs
dengan kebutuhan serta ketentuan yang berlaku. Komitmen ini and applicable regulations. This commitment is realized
diwujudkan melalui kepatuhan pada peraturan, termasuk POJK through compliance with regulations, including POJK No.
Nomor 6/POJK.07/2022 tentang Perlindungan Konsumen dan 6/POJK.07/2022 concerning Consumer and Community
Masyarakat di Sektor Jasa Keuangan serta POJK Nomor 4/ Protection in the Financial Services Sector and POJK No.
POJK.05/2021 tentang Manajemen Risiko dalam Penggunaan 4/POJK.05/2021 concerning Risk Management in the Use
Teknologi Informasi. of Information Technology.
Untuk memperkuat perlindungan, FIFGROUP terus To strengthen protection, FIFGROUP continues to develop
mengembangkan infrastruktur teknologi informasi dan information technology infrastructure and implement
mengimplementasikan sistem keamanan yang mutakhir. advanced security systems. Strategic measures taken
Langkah-langkah strategis yang dilakukan meliputi include the implementation of the ISO 27001:2013
penerapan standar internasional ISO 27001:2013, penguatan international standard, strengthening access through Multi-
akses melalui Multi-Factor Authentication (MFA), serta Factor Authentication (MFA), and organizing regular training
penyelenggaraan pelatihan rutin kepada karyawan untuk for employees to increase their awareness and ability to
meningkatkan kesadaran dan kemampuan mereka dalam maintain data security on electronic devices. The Company
menjaga keamanan data di perangkat elektronik. Perseroan also actively educates customers by disseminating privacy
juga aktif mengedukasi pelanggan melalui sosialisasi policy information through various channels, including its
kebijakan privasi yang tersedia di berbagai kanal, termasuk official website: https://www.fifgroup.co.id/kebijakan-privasi.
situs resmi https://www.fifgroup.co.id/kebijakan-privasi.
Selain itu, FIFGROUP secara konsisten mengadopsi Additionally, FIFGROUP consistently adopts new policies
kebijakan dan prosedur baru untuk menghadapi ancaman and procedures to deal with evolving threats and invests
yang terus berkembang dan menginvestasikan sumber resources in the latest information security technologies.
daya dalam teknologi keamanan informasi terbaru. Berkat As a result of this comprehensive approach, there were
pendekatan komprehensif ini, sepanjang tahun 2024 no privacy breaches, data leaks, or customer complaints
tercatat tidak ada pelanggaran privasi, kebocoran data, related to information security in 2024, achieving 0% incident
atau pengaduan pelanggan terkait keamanan informasi rate. [GRI 418-1] [SASB FN-CF-220a.2, FN-CF-230a.1, FN-CF-
atau 0%. [GRI 418-1] [SASB FN-CF-220a.2, FN-CF-230a.1, 230a.2, FN-CF-230a.3]
FN-CF-230a.2, FN-CF-230a.3]
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Sustainability Performance
Inovasi dan Pengembangan Produk dan/atau Jasa Innovation and Development of Sustainable Financial
Keuangan Berkelanjutan [OJK F.26] Products and/or Services [OJK F.26]
FIFGROUP terus berkomitmen untuk memperkuat ekosistem FIFGROUP remains committed to strengthening its digital
digitalnya melalui berbagai inovasi yang mendukung ecosystem through various innovations that enhance
kemudahan dan kepuasan pelanggan. Salah satu inisiatif customer convenience and satisfaction. One of its
unggulan adalah FIFGROUP Intelligence Personal Assistant flagship initiatives is FIFGROUP Intelligence Personal
(FIONA), layanan berbasis artificial intelligence (AI) yang Assistant (FIONA), an artificial intelligence (AI)-based
diperkenalkan sejak 2019. FIONA berfungsi sebagai virtual service introduced in 2019. FIONA functions as a virtual
contact center yang tersedia 24 jam untuk memberikan contact center available 24 hours to provide information
informasi produk, layanan, status kontrak, hingga menangani on products, services, contract status, as well as efficiently
keluhan pelanggan secara efisien. Kehadiran FIONA menjadi handle customer complaints. FIONA’s presence offers a
solusi praktis yang mempercepat interaksi dengan pelanggan practical solution that accelerates customer interaction in
di era digital. the digital era.
Melengkapi FIONA, FIFGROUP menghadirkan FIFGROUP In addition to FIONA, FIFGROUP has introduced FIFGROUP
Mobile Customer (FMC), sebuah aplikasi inovatif yang Mobile Customer (FMC), an innovative application that
mempermudah pelanggan dan calon pelanggan dalam facilitates access to financing services for both existing
mengakses layanan pembiayaan. FMC menawarkan berbagai and prospective customers. FMC offers various features,
fitur, seperti pelacakan pengajuan pembiayaan, informasi including financing application tracking, contract information,
kontrak, dan program loyalitas yang memungkinkan pengguna and a loyalty program that allows users to collect and redeem
mengumpulkan serta menukarkan poin. Di tahun 2025, dengan points. In 2025, the customer experience with FMC becomes
FMC, pengalaman pelanggan menjadi lebih terintegrasi, aman, more integrated, secure, and rewarding.
dan menguntungkan.
Sebagai langkah selanjutnya, FIFGROUP dengan bangga akan As the next step, FIFGROUP is proud to launch FIFGO,
meluncurkan FIFGO, versi terbaru dari FMC yang hadir dengan the latest version of FMC with a refreshed interface and
tampilan yang lebih segar dan tambahan fitur unggulan. FIFGO additional premium features. FIFGO is designed to enhance
dirancang untuk menyempurnakan perjalanan pelanggan, dari the customer journey from discovery to purchase, usage, and
proses discovery, pembelian, penggunaan, hingga pengelolaan loyalty management, delivering a more optimized, efficient,
loyalitas, memberikan pengalaman yang lebih optimal, efisien, and valuable experience
dan bernilai.
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Melalui beragam inovasi digital dan pembiayaan berkelanjutan, Through various digital innovations and sustainable financing,
FIFGROUP semakin mengukuhkan perannya sebagai FIFGROUP further solidifying its role as a Company that is
perusahaan yang adaptif terhadap perubahan teknologi dan adaptive to technological changes and community needs.
kebutuhan masyarakat.
Tanggung Jawab Produk dan Layanan [OJK F.27, F.29] Product and Service Responsibilities [OJK F.27, F.29]
FIFGROUP berkomitmen untuk memberikan layanan produk FIFGROUP is committed to providing equal and quality product
yang setara dan berkualitas kepada seluruh konsumen, services to all consumers, by ensuring that every product and
dengan memastikan bahwa setiap produk dan layanan yang service offered meets safety, health, and feasibility standards.
ditawarkan memenuhi standar keamanan, kesehatan, dan This is done in accordance with the provisions stipulated
kelayakan. Hal ini dilakukan sesuai dengan ketentuan yang in the Regulation of the Financial Services Authority of the
diatur dalam Peraturan Otoritas Jasa Keuangan Republik Republic of Indonesia No. 22 of 2023 concerning Consumer
Indonesia Nomor 22 Tahun 2023 tentang Perlindungan and Community Protection in the Financial Services Sector.
Konsumen dan Masyarakat di Sektor Jasa Keuangan. Semua All FIFGROUP products and services (100%) have undergone
produk dan layanan FIFGROUP (100%) telah melalui proses a rigorous evaluation process, in which the security aspects
evaluasi ketat, di mana aspek keamanannya ditelaah dan have been reviewed and approved by the authorities.
disetujui oleh pihak berwenang.
Perseroan menjamin transparansi dan aksesibilitas informasi The Company guarantees transparency and accessibility of
produk bagi konsumen. Informasi mengenai produk dan product information for consumers. Information on products
layanan tersedia melalui berbagai saluran, termasuk media and services is available through various channels, including
cetak, platform digital, dan langsung melalui petugas di kantor print media, digital platforms, and directly through officers at
cabang. Dalam proses pemasaran, FIFGROUP secara tegas branch offices. In the marketing process, FIFGROUP strictly
memastikan bahwa persetujuan konsumen diperoleh sebelum ensures that consumer consent is obtained before the
transaksi dilakukan, sejalan dengan prinsip perlindungan transaction is conducted, in line with consumer protection
konsumen. principles.
Hingga akhir tahun 2024, tidak ada produk atau layanan yang By the end of 2024, no product or service have been
ditarik dari pasar, dikenai sanksi, atau menyebabkan insiden withdrawn from the market, subjected to sanctions, or caused
terkait komunikasi pemasaran yang dapat membahayakan incidents related to marketing communications that could
kesehatan dan keselamatan konsumen. Pencapaian ini endanger consumer health and safety. This achievement
mencerminkan upaya konsisten FIFGROUP dalam menjaga reflects FIFGROUP's consistent efforts in maintaining product
integritas produk, menghormati hak konsumen, dan mematuhi integrity, respecting consumer rights, and complying with
regulasi yang berlaku. [GRI 2-27, 416-1, 416-2, 417-1, 417-2, applicable regulations. [GRI 2-27, 416-1, 416-2, 417-1, 417-2,
417-3] 417-3]
[SASB FN-CF-270A.2, FN-CF-270A.3]
TIngkat Persetujuan Produk Pembiayaan Rata-rata jumlah Rekening Pembiayaan
Level of Approval of Financing Products Average Number of Financing Accounts
2024 74,21% 2024 14.836.935
2023 77,50% 2023 13.765.987
2023 79,45% 2023 12.805.854
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Sustainability Performance
Survei Kepuasan Konsumen [OJK F.30] Consumer Satisfaction Survey [OJK F.30]
FIFGROUP secara konsisten melaksanakan Survei Kepuasan FIFGROUP consistently conducts Customer Satisfaction
Konsumen untuk meningkatkan kualitas layanan dan Surveys to improve service quality and ensure customer
memastikan kepuasan pelanggan. Survei ini dirancang satisfaction. These surveys are designed not only to evaluate
tidak hanya untuk mengevaluasi kepuasan, tetapi juga untuk satisfaction, but also to identify areas requiring improvement,
mengidentifikasi area yang memerlukan perbaikan, sehingga thus serving as the foundation for developing sustainable
menjadi dasar penyusunan strategi peningkatan pelayanan enhancement strategies.
yang berkelanjutan.
Penilaian dilakukan melalui sistem real-time feedback The assessment is done through a real-time feedback
menggunakan perangkat mesin antrian pintar (FIONA-SIAP) system using smart queue devices (FIONA-SIAP) available
yang tersedia di cabang-cabang FIFGROUP, dengan skala at FIFGROUP branches, with a rating scale of 1-5. In 2024,
penilaian 1-5. Pada tahun 2024, survei mencatat hasil tingkat the survey recorded a customer satisfaction level of 4.93,
kepuasan konsumen sebesar 4,93, yang mengindikasikan indicating a “very satisfied” category. The survey involved
kategori sangat memuaskan (very satisfied). Survei ini active participation from 558,855 consumers, reflecting an
melibatkan partisipasi aktif dari 558.855 konsumen, increase in the Growth Participation Rate of 69.3% compared
mencerminkan peningkatan Growth Participation Rate to the previous year. For comparison, in 2023 the number of
sebesar 69,3% dibandingkan tahun sebelumnya. Sebagai respondents providing ratings reached 330,102 consumers.
perbandingan, pada 2023 jumlah responden yang memberikan
rating mencapai 330.102 konsumen.
Melalui survei ini, FIFGROUP tidak hanya memantau Through this survey, FIFGROUP not only monitors the
pencapaian kepuasan, tetapi juga memperkuat komitmen achievement of satisfaction, but also reinforces the
dalam memberikan pengalaman pelanggan yang unggul dan commitment to delivering superior customer experiences
berorientasi pada kebutuhan konsumen. that is focused on consumer needs.
Uraian
2024 2023 2022
Description
Hasil Survei
4,93 4,91 4,93
Survey Results
% Pencapaian Hasil Survei terhadap Target
140,72 140,36 140,88
% Achievement of Survey Results to Target
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Mekanisme Pengelolaan Pengaduan [OJK F.16, F.24][GRI Grievance Management Mechanism [OJK F.16, F.24][GRI
2-25] 2-25]
FIFGROUP senantiasa berkomitmen untuk meningkatkan FIFGROUP is always committed to improving service quality
kualitas layanan dengan menyediakan berbagai saluran by providing various channels for customers to submit
bagi pelanggan untuk menyampaikan pengaduan, saran, complaints/grievance, suggestions, or feedback. The
atau masukan. Pengaduan yang diterima mencakup complaints received cover a wide range of aspects, such
beragam aspek, seperti permintaan informasi terkait biaya as requests for information related to administrative fees,
administrasi, provisi, atau transaksi, keterlambatan atau provisions, or transactions, delays or failures in transactions,
kegagalan transaksi, perbedaan perhitungan bunga dan discrepancies in interest and principal calculations, financing
pokok, asuransi obyek pembiayaan, serta sistem layanan object insurance, and financial information service systems.
informasi keuangan.
Tidak hanya bagi pelanggan, FIFGROUP juga membuka Not only for customers, FIFGROUP also provides access
akses bagi masyarakat untuk mengajukan keluhan atau for the public to submit complaints or reports related
laporan terkait pelaksanaan program Tanggung Jawab to the implementation of the Social and Environmental
Sosial dan Lingkungan (TJSL) serta pengaduan terkait isu Responsibility (CSR) programs, as well as complaints related
lingkungan hidup. Pengaduan ini dapat disampaikan melalui to environmental issues. These complaints can be submitted
berbagai media, termasuk media cetak dan elektronik, through various media, including print and electronic media,
Aplikasi Portal Perlindungan Konsumen (APPK) OJK, hingga the FSA's Consumer Protection Portal Application (APPK),
surat yang dikirimkan ke kantor cabang atau pusat. and letters sent to branch or head offices.
Seluruh pengaduan yang diterima ditangani oleh Customer All received complaints are handled by the Customer
Relation Executive (CRE), yang bertanggung jawab untuk Relation Executive (CRE), that is responsible for evaluating
mengevaluasi dan memastikan penyelesaian sesuai and ensuring resolution in accordance with procedures.
prosedur. Sepanjang tahun 2024, FIFGROUP mencatat Throughout 2024, FIFGROUP recorded no complaints related
tidak ada pengaduan terkait implementasi TJSL maupun to the implementation of CSR or environmental issues, and
isu lingkungan hidup serta tidak ada kerugian moneter no monetary losses due to legal proceedings related to
sebagai akibat dari proses hukum terkait dengan penjualan product sales and services. All received complaints have also
dan layanan produk. Seluruh pengaduan yang diterima juga been resolved thoroughly, reflecting the effectiveness of the
telah diselesaikan dengan tuntas, mencerminkan efektivitas complaint handling system implemented by the Company.
sistem penanganan pengaduan yang diimplementasikan [SASB FN-CF-270a.4, FN-CF-270a.5]
oleh Perseroan. [SASB FN-CF-270a.4, FN-CF-270a.5]
Kontak pengaduan pelanggan | Customer complaint contact :
Call Center HaloFIF 1500-343
Virtual Customer Service (Fiona) - webchat
WhatsApp & SMS (0895-21500-343)
E-mail halofif@fifgroup.astra.co.id
Media sosial | Social media FIFCLUB
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Meningkatkan Kesejahteraan Masyarakat [OJK F.23, F.25]
Improving Community Welfare [OJK F.23, F.25]
FIFGROUP berkontribusi dalam meningkatkan kesejahteraan masyarakat melalui program-program
CSR 4 Pilar Utama dan 1 Pilar Pendukung yaitu FIFGROUP Sehat, FIFGROUP Pintar, FIFGROUP
Sejahtera, FIFGROUP Lestari, serta program filantrofi melalui FIFGROUP Peduli. Melalui inisiatif tersebut,
Perseroan berharap dapat menciptakan dampak positif yang nyata bagi kualitas hidup masyarakat dan
keberlanjutan lingkungan di berbagai wilayah operasional.
FIFGROUP contributes to improving community welfare through its CSR programs based on 4 Main Pillars
and 1 Supporting Pillar, namely FIFGROUP Sehat, FIFGROUP Pintar, FIFGROUP Sejahtera, FIFGROUP Lestari,
and philanthropic programs under FIFGROUP Peduli. Through these initiatives, the Company aims to create
a tangible positive impact on the quality of life of the community and environmental sustainability across its
operational areas.
Perseroan terus meningkatkan program-program dengan
berkolaborasi bersama masyarakat untuk menciptakan The Company continues to enhance its programs by
hubungan yang baik sehingga mampu memperluas collaborating with the community to create a good
dampak positif yang berkelanjutan. FIFGROUP menyadari relationship, thereby expanding sustainable positive impacts.
keberadaannya di tengah masyarakat memberikan dampak FIFGROUP acknowledges that its presence within community
positif maupun negatif baik secara langsung maupun tidak has both positive and negative impacts, whether directly or
langsung. Untuk itu, FIFGROUP meningkatkan upaya indirectly. Therefore, FIFGROUP strives to manage negative
dalam mengelola dampak negatif bagi masyarakat maupun impacts on both the community and the environment, by
lingkungan diantaranya dengan menjalankan program implementing corporate social responsibility (CSR) programs.
tanggung jawab sosial lingkungan (TJSL).
Dalam implementasi kegiatan TJSL, FIFGROUP memiliki In the implementation of CSR activities, FIFGROUP follows
pedoman yang bertujuan agar pelaksanaan kegiatan dan established guidelines to ensure that activities and programs
program sesuai dengan nilai dan tujuan Perusahaan. Adapun align with the values and objectives of the Company. The
pedoman yang digunakan diantaranya: guidelines include:
1. Sustainable Development Goals (SDG’s) 1. Sustainable Development Goals (SDG's)
2. ISO 26000; 2. ISO 26000;
3. UU No. 40 Tahun 2007 tentang Perseroan Terbatas; 3. Law no. 40 of 2007 concerning Limited Liability Companies;
4. Peraturan Pemerintah No. 47 tahun 2012 tentang Tanggung 4. Government Regulation No. 47 of 2012 concerning Social and
Jawab Sosial dan Lingkungan Perseroan Terbatas; Environmental Responsibility of Limited Liability Companies;
5. Peraturan Otoritas Jasa Keuangan No. 51 tahun 2017 tentang 5. Financial Services Authority Regulation No. 51 of 2017
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa concerning the Implementation of Sustainable Finance
Keuangan, Emiten, dan Perusahaan Publik; dan for Financial Services Institutions, Issuers, and Public
Companies; and
6. ASTRA 2030 Sustainability Aspirations. 6. ASTRA 2030 Sustainability Aspirations.
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Pelaksanaan program TJSL Perseroan dibagi menjadi empat The implementation of the Company's CSR program
(4) pilar utama dan didukung oleh program filantropi/donasi: is divided into four (4) main pillars and supported by
philanthropy/donation programs:
Berfokus kepada peningkatan Berfokus kepada peningkatan Berfokus kepada peningkatan Berfokus kepada lingkungan
kesehatan di Indonesia. pendidikan di Indonesia. perekonomian dan hidup dan iklim di Indonesia.
Pilar ini bertujuan untuk Pilar ini bertujuan untuk kesejahteraan masyarakat di Pilar ini bertujuan untuk
mendukung SDGs ke 1 (No mendukung SDGs ke 4 (quality Indonesia. Pilar ini bertujuan mendukung SDGs ke 1
Poverty), 2 (Zero hunger), 3 Education) dan 17 (Partnership untuk mendukung SDGs ke 1 (No Poverty), 4 (Quality
(Good Health & Well Being), for The Goal) (No Poverty), 8 (Decent work Education), 6 (Clean Water
dan 11 (Sustainable Cities & Focuses on enhancing education & Economic Growth) dan 17 & Sanitation), 13 (Climate
Communities) in Indonesia. This pillar aims (Partnership for The Goal) Action), 15 (Life on Land) dan
Focuses on improving health to support SDGs 4 (Quality Focuses on enhancing the 17 (Partnership for The Goal)
in Indonesia. This pillar aims to Education) and 17 (Partnership for economy and welfare of the Focuses on the environment
support SDGs 1 (No Poverty), 2 the Goal) people in Indonesia. This and climate in Indonesia. This
(Zero hunger), 3 (Good Health & pillar aims to support SDGs 1 pillar aims to support SDGs 1 (No
Well Being), and 11 (Sustainable (No Poverty), 8 (Decent Work Poverty), 4 (Quality Education),
Cities & Communities) & Economic Growth) and 17 6 (Clean Water & Sanitation), 13
(Partnership for the Goal) (Climate Action), 15 (Life on Land)
and 17 (Partnership for the Goal)
Berfokus kepada pemberian bantuan sosial dan bantuan keagamaan
Focuses on providing social assistance and religious assistance
Seluruh program TJSL yang diimplementasikan Perseroan All CSR programs implemented by the Company have gone
telah melalui beberapa tahapan di antaranya: through several stages, including:
1. External Organizational Analysis; 1. External Organizational Analysis;
2. Internal Analysis; 2. Internal Analysis;
3. Forming Strategic Vision; 3. Forming Strategic Vision;
4. Strategy Formulation; 4. Strategy Formulation;
5. Strategy Implementation; dan 5. Strategy Implementation; and
6. Strategy Evaluation. 6. Strategy Evaluation.
Hasil dari monitoring dan evaluasi program akan dilaporkan The results of program monitoring and evaluation will be
kepada manajemen untuk ditindaklanjuti agar pelaksanaan reported to management for follow-up actions to ensure more
program TJSL selanjutnya berjalan lebih efektif dan efisien. effective and efficient future CSR program implementations.
Mengenai penjelasan dan laporan lebih lanjut mengenai Further explanations and reports on all CID activities are
seluruh kegiatan CID, tercantum pada CID Report 2024. included in the CID Report 2024.
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FIFGROUP SEHAT [GRI 203-1]
Dalam meningkatkan derajat kesehatan masyarakat, In improving the health status of the community, the
Perseroan mendukung melalui program posyandu di sekitar Company supported posyandu (integrated health posts)
area cabang. Dukungan yang diberikan FIFGROUP melalui programs around the branch areas. FIFGROUP contributed
kegiatan Posyandu adalah pemberian imunisasi gratis to posyandu activities by providing free immunizations in
melalui kerja sama dengan Puskesmas setempat. Pemberian collaboration with local Puskesmas (community health
imunisasi gratis ini juga sejalan dengan program pemerintah. centers). This free immunization initiative was in line
Imunisasi wajib pada balita hingga anak usia sekolah dapat with government programs, ensuring that mandatory
mencegah penyakit yang dapat dicegah dengan imunisasi immunization for toddlers and school-age children helped
atau PD3I. prevent vaccine-preventable diseases or PD3I.
Perseroan juga meningkatkan sarana dan prasarana yang The Company also enhanced facilities and infrastructure
memadai berupa pemberian timbangan, alat pengukur tensi, dan by providing weighing scales, blood pressure monitors,
alat pelindung diri (APD). Selain itu, FIFGROUP juga menyediakan and personal protective equipment (PPE). FIFGROUP also
makanan untuk ibu dan anak ketika imunisasi berlangsung, supplied food for mothers and children during immunization
serta memberi dukungan finansial kepada kader posyandu. sessions and offered financial support to posyandu cadres.
Pada tahun 2024, program posyandu telah dilaksanakan di In 2024, the posyandu program was carried out in 37
37 titik lokasidengan total penerima manfaat sebanyak 1.984 locations, benefiting a total of 1,984 children under five.
anak balita.
Sepanjang tahun 2024 Program Sehat Ceria Tanpa Stunting Throughout 2024, the Healthy and Cheerful Without
(SeCanting) telah dilaksanakan di 7 lokasi yang tersebar di Stunting/Sehat Ceria Tanpa Stunting (SeCanting) program
seluruh Indonesia. Dengan total penerima manfaat sebanyak was carried out in 7 locations across Indonesia. This program
808 anak dengan stunting, 250 ibu hamil, 150 remaja, dan benefited 808 children with stunting, 250 pregnant women,
100 calon pengantin. sehingga total penerima manfaat dari 150 teenagers, and 100 brides-to-be, bringing the total
program ini sebanyak 1.308 orang. number of beneficiaries to 1,308 individuals.
FIFGROUP tidak hanya berfokus pada program kesehatan FIFGROUP not only focused on maternal and child health
ibu dan anak, Perseroan juga mengimplementasikan program programs but also included employee and community blood
donor darah karyawan dan masyarakat. Melalui program donation programs. Through this program, FIFGROUP
ini FIFGROUP di tahun 2024 telah mendapatkan 21.425 collected 21,425 blood bags from 82 locations across
kantong darah yang berasal dari 82 titik di Indonesia. Sebelum Indonesia in 2024. Before the implementation, the Company
pelaksanaan, Perseroan memberikan pengumuman dan made announcements and conducted dissemination about
sosialisasi program. FIFGROUP juga memberikan dukungan the program. FIFGROUP also provided additional support,
lain di antaranya menyediakan souvenir maupun snack kepada such as souvenirs and snacks for blood donors.
peserta donor darah.
Program kesehatan lainnya yang Perseroan implementasikan Another health program implemented by the Company was
yakni rumah singgah yang dijalankan dengan berkolaborasi the rumah singgah (patient family accommodation) program, in
bersama RSU Hermina Depok. Rumah singgah ini terbuka untuk collaboration with RSU Hermina Depok. This accommodation
keluarga pasien dari berbagai daerah yang sedang menunggu is available for families of patients from various regions who
anggota keluarga lainnya selama proses penanganan medis. are awaiting medical treatment for their loved ones. The
Fasilitas yang terdapat pada rumah singgah ini yakni kebutuhan accommodation is equipped with basic food supplies, drinking
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makanan pokok, air minum, tempat tidur, dapur, dan kamar water, beds, a kitchen, and a bathroom, and is managed by
mandi yang dilengkapi dengan penjaga rumah. Pada tahun a housekeeper. In 2024, this program benefited 15 patient
2024, jumlah penerima manfaat dari program ini yaitu 15 families, with an average stay of 9 days and a total accumulated
keluarga pasien. Dengan rata-rata durasi tinggal mencapai 9 stay of 103 days.
hari dan total hari tinggal sepanjang 103 hari.
Untuk pengembangan kedepannya, FIFGROUP akan For future development, FIFGROUP plans to increase the
menambah jumlah rumah singgah di rumah sakit lainnya number of this accommodation in other hospitals to support
agar dapat menjangkau lebih banyak pasien dan keluarga more patients and their families in need.
pasien yang membutuhkan.
FIFGROUP PINTAR [GRI 203-2]
Sebagai salah satu lembaga keuangan, FIFGROUP As a financial institution, FIFGROUP is obligated and
berkewajiban dan bertekad untuk turut mendukung upaya determined to support efforts in improving public knowledge
meningkatkan pengetahuan masyarakat terkait literasi of financial literacy in accordance with POJK No. 76 of 2016.
keuangan sesuai dengan POJK No. 76 tahun 2016. Selain itu, FIFGROUP also strives to contribute to the Revitalization of
FIFGROUP berupaya untuk berkontribusi pada Revitalisasi Vocational Education and Vocational Training, as outlined
Pendidikan Vokasi dan Pelatihan Vokasi, sesuai Peraturan in Presidential Regulation of the Republic of Indonesia No.
Presiden Republik Indonesia Nomor 68 Tahun 2022. 68 of 2022.
Program MENYALA 2024 adalah program CSR Pilar The MENYALA 2024 program was a sustainable CSR
FIFGROUP Pintar yang berkelanjutan dengan melibatkan initiative under the FIFGROUP Pintar pillar, engaging schools,
sekolah, guru, dan siswa dalam meningkatkan semangat literasi. teachers, and students in enhancing the spirit of literacy.
Program MENYALA terdiri dari Pelatihan Guru, Jam Mengajar, The MENYALA program consisted of Teacher Training, Teaching
Teacher Summit, Talent Pool, dan Teacher Community. Hours, Teacher Summit, Talent Pool, and Teacher Community.
Diawali dengan Link and Match dengan Kemendikti Saintek. It began with a Link and Match activity with the Ministry of
Rangkaian program MENYALA dilaksanakan sejak April 2024 Higher Education, Science, and Technology. The MENYALA
hingga Januari 2025. Dengan total 200 lokasi sekolah program was conducted from April 2024 to January 2025,
meliputi SMK, Vokasi, dan Universitas. Melibatkan 14.512 covering 200 educational institutions, including Vocational
siswa dan 5.056 guru. High School (SMK), Vocational Schools, and Universities. This
program involved 14,512 students and 5,056 teachers.
Untuk Pelatihan Guru Literasi Keuangan, FIFGROUP melakukan For the Financial Literacy Teacher Training, FIFGROUP
train of trainer kepada 5.056 guru secara daring/online yang conducted train of trainers to 5,056 teachers through online
terbagi ke dalam 28 batch. Training akan dilakukan selama sessions, divided into 28 batches. Each training session
4 jam dengan metode Active Learning. lasted 4 hours and employed the Active Learning method.
Beasiswa FIFGROUP Young Leader (FYL) 2024 merupakan The FIFGROUP Young Leader (FYL) 2024 scholarship
inisiatif program yang mendukung tujuan Pembangunan program was an initiative that supported the Sustainable
Berkelanjutan (SDGs) ke-4, Quality Education, dengan fokus Development Goal (SDGs) Goal 4: Quality Education, with
pada peningkatan akses pendidikan yang berkualitas dan a focus on expanding access to quality and equitable
merata di Indonesia. Melalui program ini, 35 mahasiswa education in Indonesia. Through this program, 35 university
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sebagai penerima manfaat mendapatkan bantuan sebesar students as beneficiaries received financial assistance of
Rp9 juta yang diberikan secara bertahap. Rp9 million, which was disbursed in stages.
Selain dukungan finansial, para penerima beasiswa In addition to financial support, the scholarship recipients also
juga mengikuti rangkaian program seperti Development participated in a series of programs such as Development
Journey, In Class Training, Team Building dan Business Journey, In Class Training, Team Building, and Business
Plan Competition selama satu tahun yang dirancang Plan Competition for one year, designed to develop their
untuk mengembangkan kompetensi mereka. Program ini competencies. The program aimed to prepare Young
bertujuan mempersiapkan para Young Leader agar memiliki Leaders to possess superior skills and be ready to face
keterampilan unggul dan siap menghadapi tantangan the challenges of the modern workforce through various
dunia kerja modern melalui berbagai pelatihan intensif dan intensive trainings and development activities.
kegiatan pengembangan.
FIFGROUP SEJAHTERA [GRI 203-2]
Pada pilar ini, Perseroan turut aktif membantu masyarakat dalam In this pillar, the Company actively assisted the community
mengembangkan usaha melalui implementasi program dana in developing businesses through the implementation of the
bergulir. Program dana bergulir ini merupakan pembiayaan revolving fund program. This program provided financing for
yang ditujukan untuk pelaku UMKM supaya dapat menambah MSMEs entrepreneurs to help them increase capital, expand,
modal, memperluas dan mengembangkan usahanya. and grow their businesses. The financing was interest-free,
Pembiayaan yang diberikan tanpa bunga dengan kisaran with loan amounts ranging from Rp2 million to Rp25 million.
pinjaman sebesar Rp2-25 juta juta. Pada proses pembiayaan In the financing process, the Company applied certain criteria
Perseroan mempunyai kriteria tertentu dan FIFGROUP telah and FIFGROUP utilized a verification mechanism along with
menggunakan mekanisme verifikasi serta Identity Governance Identity Governance and Administration (IGA) System to
and Administration (IGA) System, guna memudahkan dalam facilitate monitoring through the database.
melakukan monitoring di database.
Selain pemberian pinjaman, Perseroan juga memberikan Not only providing loans, the Company also offered training or
pelatihan atau workshop literasi strategi UMKM kepada para workshops on MSMEs strategy literacy for MSMEs entrepreneurs,
UMKM di antaranya adopsi teknologi digital, UMKM Kuliner covering topics such as digital technology adoption, Upgrading
Naik Kelas, UMKM Go Digital, dasar pembukuan keuangan Culinary MSMEs (UMKM Kuliner Naik Kelas), MSMEs Go Digital,
UMKM, dan optimalisasi dompet digital. basic MSMEs financial bookkeeping, and digital wallet optimization.
Selain pelatihan, Perseroan juga mendampingi langsung The Company also provided direct mentoring for MSMEs.
UMKM. Sepanjang tahun 2024, total keseluruhan penerima Throughout 2024, the total number of beneficiaries of the
manfaat dari program dana bergulir sebanyak 800 UMKM. revolving fund program reached 800 MSMEs. Based on
Berdasarkan jumlah penerima manfaat tersebut, realisasi this number, the total financing disbursed during this period
pembiayaan pada periode ini sebesar Rp2,76 miliar amounted to Rp2.76 billion
Pada 2024, 21 UMKM binaan FIFGROUP juga ikut serta In 2024, 21 FIFGROUP-assisted MSMEs also participated in
dalam FIFestival pada tanggal 28 sampai 29 November the FIFestival, held from November 28 to 29, 2024. Through
2024. Melalui FIFestival, para UMKM binaan FIFGROUP FIFestival, FIFGROUP-assisted MSMEs were able to sell their
dapat menjual produk unggulan mereka sehingga mampu flagship products, allowing them to increase their income.
meningkatkan pendapatan. Salah satu keunggulan dari One of the highlights of this activity was the diversity of
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kegiatan ini, yaitu keberagaman UMKM, bahkan Perseroan participating MSMEs, with the Company even providing
memberikan kesempatan kepada UMKM disabilitas untuk opportunities for MSMEs entrepreneurs with disabilities to
turut serta dalam kegiatan ini. Dari kegiatan tersebut, tercatat take part. From this event, transactions recorded through the
transaksi melalui bazar UMKM mencapai Rp116.990.000 MSMEs bazaar reached Rp116,990,000, with 1,242 visitors.
dengan jumlah pengunjung sebanyak 1.242 orang.
FIFGROUP LESTARI
Perseroan berkontribusi dalam menjaga dan melestarikan The Company contributed to maintaining and preserving
lingkungan salah satunya melalui kegiatan penanaman pohon the environment, one of which was through a centralized
tersentralisasi yaitu "Hutan FIFGROUP" yang berlokasi di Desa tree-planting initiative called "Hutan FIFGROUP" (FIFGROUP
Jayamekar, Kabupaten Garut . Jumlah bibit pohon yang ditanam Forest), located in Jayamekar Village, Garut Regency. A total
adalah sebanyak 25.000 batang pohon yang terdiri dari bibit of 25,000 tree seedlings were planted, consisting of forestry
pohon kehutanan, tanaman endemik, dan tanaman produktif. tree seedlings, endemic plants, and productive plants. In
Dalam program penanaman ini, FIFGROUP berkolaborasi this planting program, FIFGROUP collaborated with the
dengan Institut Pertanian Bogor (IPB), Koperasi Al-Bayyinah Bogor Agricultural University (IPB), Al-Bayyinah Cooperative,
dan SMKN 4 Garut. Hasil panen dari tanaman yang ada di Hutan and SMKN 4 Garut. The harvest from the plants in Hutan
FIFGROUP akan dikelola oleh Koperasi Al-Bayyinah sehingga FIFGROUP will be managed by Al-Bayyinah Cooperative,
dapat meningkatkan ekonomi dari masyarakat sekitar. thereby boosting the local community’s economy.
FIFGROUP PEDULI
[GRI 203-1]
Melalui FIFGROUP Peduli, Perseroan menyalurkan bantuan Through FIFGROUP Peduli, the Company distributed
spiritualitas seperti tebar Alkitab, Tebar Kurban Nusantara, spirituality assistance such as Tebar Alkitab (Bible
dan Tebar Takjil Ramadhan serta bantuan bencana dan Distribution), Tebar Kurban Nusantara (Nusantara Qurban
sosial seperti bus sosial, bantuan Yayasan, dan lain-lain. Animal Distribution), and Tebar Takjil Ramadhan (Ramadhan
Takjil Distribution), as well as disaster and social aid, including
social buses, foundation donations, and more.
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Pada momen bulan Ramadhan 2024, FIFGROUP During the month of Ramadhan in 2024, FIFGROUP celebrated
menyemarakkan ibadah puasa dengan membagikan sejumlah the holy month by distributing takjil (iftar meals) across 243
takjil di 243 cabang dan Head Office FIFGROUP dengan FIFGROUP branch offices and Head Office, with a total value
nilai Rp350 juta. of Rp350 million.
Pada Idul Adha 2024, total hewan kurban yang FIFGROUP Throughout Eid al-Adha in 2024, FIFGROUP provided 3 cows
serahkan adalah sejumlah 3 ekor sapi dan 453 ekor kambing and 453 goats as qurban animals, which were distributed
yang diberikan kepada masyarakat di sekitar Menara FIF, to communities around FIF Tower, 243 branch offices, and
243 cabang, hingga beberapa instansi seperti Komandan several institutions such as the Cilandak Military Sub-District
Rayon Militer (Koramil) Cilandak, Kepolisian Sektor (Polsek) Command (Koramil), Cilandak Sector Police (Polsek), and
Cilandak, dan Kelurahan Lebak Bulus. Total dana yang Lebak Bulus Village. The total funds allocated to support
dikeluarkan untuk mendukung pelaksanaan kegiatan ini this activity amounted to Rp1.825 billion.
adalah sejumlah Rp1,825 miliar.
Dalam rangka menyambut Hari Raya Natal 2024, FIFGROUP In welcoming Christmas in 2024, FIFGROUP held an event
menggelar kegiatan dengan membagikan sebanyak 880 to distribute 880 Bibles to 8 churches located across 8
Alkitab untuk 8 gereja yang tersebar di 8 lokasi cabang. branch areas.
Sebagai rasa syukur dalam momen peringatan ulang tahun As a gesture of gratitude for FIFGROUP's 35th anniversary,
FIFGROUP ke-35, perusahaan memberikan bantuan berupa the Company provided 10 prosthetic legs, with a total value
10 kaki palsu dengan total bantuan senilai Rp250 juta. Bantuan of Rp250 million, distributed through the Visi Maha Karya
diberikan melalui Yayasan Visi Maha Karya (YVMK). Bantuan ini Foundation (YVMK). This initiative aligned with SDGs Goal
sejalan dengan SDGs Poin 10, Berkurangnya Kesenjangan. 10: Reduced Inequalities.
Selain itu, bertepatan dengan rangkaian penyelenggaraan In conjunction with the 2025 Leadership Meeting (RAPIM)
Rapat Pimpinan (RAPIM) 2025 pada 11 November 2024 di on November 11, 2024, at FIFGROUP Denpasar, FIFGROUP
FIFGROUP Denpasar, FIFGROUP memberikan bantuan provided assistance to 6 places of worship. Each place of
untuk 6 rumah ibadah. Bantuan yang diberikan untuk setiap worship received Rp35 million, symbolizing FIFGROUP's
rumah ibadah adalah sebesar Rp35 juta. Sesuai dengan usia 35th anniversary. The total funds disbursed amounted to
FIFGROUP yaitu 35 tahun. Total dana yang diberikan adalah Rp210 million. Furthermore, this initiative supported SDGs
sejumlah Rp210 juta. Kegiatan ini sejalan dengan SDGs Poin Goal 11: Sustainable Cities and Communities.
ke-11 yaitu Kota dan Pemukiman yang Berkelanjutan.
Bus yang kami sediakan memiliki kapasitas 27 penumpang The buses we provide have a capacity of 27 passengers
yang dilengkapi dengan berbagai fasilitas seperti sound and are equipped with a variety of facilities such as a sound
system, laci penyimpanan, pintu darurat, dispenser, dan system, storage compartments, emergency exits, dispensers,
sebagainya. Saat ini, kami mengelola total 8 unit bus sosial, and more. Currently, we manage a total of 8 social buses,
yang ditempatkan di berbagai kantor FIFGROUP, yakni: 3 stationed at various FIFGROUP offices: 3 at the Head Office,
Head Office, 1 Yogyakarta, 1 Surabaya, 1 Manado, 1 Medan, 1 in Yogyakarta, 1 in Surabaya, 1 in Manado, 1 in Medan, and
dan 1 Denpasar. Seluruh bus sosial yang tersedia dapat 1 in Denpasar. All available social buses can be used by the
digunakan untuk transportasi masyarakat tanpa dipungut community for transportation free of charge, following the
bayaran apapun dengan mengikuti prosedur yang telah procedures established by the Company.
ditetapkan oleh Perusahaan.
Bus sosial FIFGROUP telah membantu masyarakat yang FIFGROUP's social buses have assisted communities in
memerlukan sarana transportasi untuk kegiatan mereka. need of transportation for their activities. The community
Masyarakat dapat mengurangi biaya sewa bus, sehingga can reduce bus rental costs, allowing their budgets to be
anggaran yang dimiliki dapat dialokasikan untuk keperluan allocated to other needs. This program has been well-
lainnya. Program ini diterima dengan baik oleh masyarakat received by the community as it provides significant benefits.
karena memberikan manfaat besar bagi mereka sendiri. Throughout 2024, the social buses were utilized for 1,584
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Selama tahun 2024, bus sosial telah digunakan sebanyak trips by the community. The total number of passengers from
1.584 kali perjalanan oleh masyarakat. Total penumpang the social bus rentals in 2024 reached 36,221 passengers.
dari peminjaman bus sosial selama tahun 2024 mencapai
36.221 penumpang.
Pada tahun 2024, FIFGROUP melaksanakan program Employee
Volunteering sebagai bagian dari komitmen perusahaan dalam
membangun jiwa sosial dan kepedulian karyawan terhadap masyarakat
dan lingkungan. Program ini memberikan kesempatan bagi karyawan
untuk terlibat langsung dalam berbagai kegiatan CSR perusahaan,
di antaranya Beach Clean Up, Rumah Singgah, dan FIFGROUP
Cancer Fighter.
Melalui program ini, sebanyak 200 karyawan dari berbagai divisi ikut
serta secara aktif, menunjukkan semangat kolaborasi dan empati dalam
membantu sesama. Kegiatan Beach Clean Up berfokus pada pelestarian
lingkungan pesisir dengan aksi bersih Pantai dan coral transplantation,
Employee Volunteering sementara Rumah Singgah menjadi wadah bagi karyawan untuk berbagi
kebahagiaan dengan keluarga pasien rumah sakit. Selain itu, melalui
Program FIFGROUP Cancer Fighter, karyawan berperan dalam mendukung dan
Employee Volunteering Program memberikan semangat kepada para survivor dan warrior kanker melalui
kampanye dan kegiatan Pink Walk.
In 2024, FIFGROUP carried out the Employee Volunteering Program
as part of the Company’s commitment to fostering a spirit of social
responsibility and care among employees towards the community and
the environment. This program provided employees with the opportunity
to actively participate in a variety of corporate social responsibility (CSR)
activities, including Beach Clean Up, Rumah Singgah, and FIFGROUP
Cancer Fighter.
Through this program, 200 employees from various divisions actively
took part, demonstrating a spirit of collaboration and empathy in helping
others. The Beach Clean Up initiative focused on coastal conservation
through beach cleaning activities and coral transplantation. Meanwhile,
Rumah Singgah served as a platform for employees to share joy with
families of hospital patients. Through FIFGROUP Cancer Fighter,
employees played a role in supporting and encouraging cancer survivors
and warriors through awareness campaigns and Pink Walk activities.
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Menjaga Kelestarian Lingkungan
Preserving Environmental Sustainability
FIFGROUP berkomitmen yang kuat dalam menjaga kelestarian lingkungan sebagai bentuk tanggung jawab sosial. Perseroan
menyadari pentingnya keberlanjutan lingkungan untuk masa depan, baik bagi masyarakat maupun generasi yang akan datang.
FIFGROUP terus berupaya memberikan dampak positif kepada bumi dan iklim melalui pengurangan dampak terhadap lingkungan.
Sebagai komitmen dalam mencapai net zero atas emisi Scope 1 dan 2 pada tahun 2050, perusahaan bertekad untuk
memperkuat praktik bisnis yang ramah lingkungan melalui optimalisasi efisiensi energi, transisi menuju sumber energi
terbarukan, penerapan teknologi rendah karbon, serta inovasi berkelanjutan dalam operasional dan rantai pasok. Langkah ini
sejalan dengan strategi dekarbonisasi global serta mendukung pencapaian target keberlanjutan dan ketahanan iklim.
FIFGROUP has a strong commitment in preserving the environment as a form of social responsibility. The Company recognizes the importance of
environmental sustainability for the future, both for society and future generations. FIFGROUP continues to strive to make a positive impact on the earth and
climate by reducing its impact on the environment.
As a commitment to achieve net zero emissions for Scope 1 and 2 by 2050, the Company is determined to strengthen environmentally friendly business practices
through optimization of energy efficiency, transition to renewable energy sources, implementation of low-carbon technologies, and sustainable innovation in
operations and supply chains. These steps align with the global decarbonization strategies and support the achievement of sustainability and climate resilience goals.
Inisiatif Green Lifestyle
Green Lifestyle Initiatives
1. Mengurangi emisi gas rumah kaca melalui efisiensi energi dan optimalisasi bahan bakar ramah lingkungan serta melakukan
penanaman pohon pada satu Lokasi sebagai strategi carbon offset perusahaan
Reducing greenhouse gas emissions through energy efficiency and optimization of environmentally friendly fuels and planting trees in
one location as the company’s carbon offset strategy
2. Meningkatkan penggunaan energi baru terbarukan melalui program pemasangan solar panel dengan total di 30 cabang
Increasing the use of renewable energy through a solar panel installation program across 30 branches
3. Menggunakan produk ramah lingkungan, yakni lampu Light Emitting Diode (LED) di seluruh cabang Perusahaan
Using environmentally friendly products, namely Light Emitting Diode (LED) lights throughout the Company's Branches
4. Mendorong pengurangan intensitas pengambilan air permukaan dan air tanah serta meningkatkan pengelolaan daur ulang air
Encouraging the reduction of surface and groundwater withdrawal intensity and improving water recycling management
5. Mengelola limbah padat melalui kolaborasi dengan 62 bank sampah
Managing solid waste through collaboration with 62 waste banks
6. Menjalankan sistem digital signing dan approval untuk menghemat kertas
Implementing a digital signing and approval system to save paper
7. Melaksanakan kegiatan edukasi untuk meningkatkan kesadaran karyawan dalam mendukung green lifestyle melalui campaign
komunikasi media sosial dan membangun budaya kerja green lifestyle
Conducting educational activities to raise employee awareness in supporting a green lifestyle through social media
communication campaigns and fostering a green lifestyle work culture
Dalam mengelola upaya mitigasi dan adaptasi terhadap In managing mitigation and adaptation efforts to climate
perubahan iklim, FIFGROUP terus berupaya meningkatkan change, FIFGROUP continues to improve environmentally
inisiatif-inisiatif ramah lingkungan dalam mendukung friendly initiatives in support of improving energy efficiency,
peningkatan efisiensi energi, pengurangan emisi karbon, reducing carbon emissions, and managing water and waste.
dan pengelolaan air serta limbah. Melalui partisipasi aktif Through active participation of all employees in saving
seluruh karyawan melalui penghematan penggunaan electricity usage, implementing renewable energy sources,
listrik, penerapan sumber energi terbarukan, dan and reducing water withdrawal intensity, as well as recycling
intensitas pengambilan air, dan daur ulang serta recovery and recovering solid waste. In addition, FIFGROUP also uses
limbah padat. Selain itu, FIFGROUP juga menggunakan environmentally friendly materials, including using solar panels
material ramah lingkungan di antaranya solar panel pada in its operations. The Company believes that small, sustainable
operasional. Perseroan meyakini dengan langkah-langkah steps can create a greener environment in the future. Through
kecil yang berkelanjutan dapat menciptakan lingkungan yang this program, FIFGROUP hopes to encourage people to prefer
lebih hijau di masa yang akan datang. Melalui program ini, an environmentally friendly lifestyle. Until the end of 2024, the
FIFGROUP berharap dapat mendorong masyarakat untuk environmental costs incurred by the Company amounted to
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lebih memilih gaya hidup ramah lingkungan. Hingga akhir Rp11.04 billion, allocated for environmental activities such as
tahun 2024, biaya lingkungan hidup yang dikeluarkan oleh the installation of solar panels, plastic waste processing, tree
Perseroan adalah sebesar Rp11,04 miliar yang di peruntukan planting activities, purchase of Renewable Energy Certificates
untuk kegiatan lingkungan seperti pemasangan solar panel, (REC), optimization of B30 and LED, as well as investment in
pengolahan limbah plastik, kegiatan penanaman pohon, environmentally friendly vehicles (electric vehicles) for Company
pembelian Renewable Energy Certificate (REC), optimalisasi operations. The Company did not receive any environmental-
B30 dan LED serta investasi kendaraan ramah lingkungan related complaints during the reporting period.
(electric vehicle) untuk operasional perusahaan. Perseroan
tidak menerima pengaduan terkait lingkungan hidup yang
diterima selama periode pelaporan.
Uraian
2024 2023 2022
Description
Biaya Lingkungan Hidup (Rp juta)
11.040 12.120* 8.370*
Environmental Costs (Rp million)
Perseroan telah menetapkan target untuk mengelola kinerja The Company has set targets for managing sustainability
keberlanjutan terkait aksi perubahan iklim. Pengukuran yang performance related to climate change actions. The
digunakan terkait konsumsi energi, emisi, air, limbah, dan upaya measurements used regarding energy consumption, emissions,
pelestarian lingkungan dijabarkan sebagai berikut. water, waste, and environmental conservation efforts are
described as follows.
Emisi Gas Rumah Kaca dan Bauran Energi Baru Greenhouse Gas Emissions and Renewable
Terbarukan [OJK F.7, F.12][GRI 3-3] Energy Mix [OJK F.7, F.12][GRI 3-3]
Selaras dengan ASTRA 2030 Sustainability Aspirations, In line with ASTRA 2030 Sustainability Aspirations,
FIFGROUP senantiasa berupaya untuk menurunkan emisi FIFGROUP strives to reduce greenhouse gas (GHG)
gas rumah kaca (GRK) dan meningkatkan penggunaan energi emissions and increase the use of new renewable energy
baru terbarukan sehingga dapat berkontribusi pada adaptasi to contribute to climate change adaptation and mitigation.
dan mitigasi perubahan iklim. Perseroan menggunakan energi The Company uses significant energy in its operational
yang signifikan dalam kegiatan operasional diantaranya activities including electricity and fuel. Throughout 2024,
listrik dan bahan bakar. Sepanjang tahun 2024, FIFGROUP FIFGROUP used 23,071,738.89 kWh of electrical energy, an
menggunakan energi listrik sebanyak 23.071.738,89 kWh, naik increase of 8.75% compared to 2023 when FIFGROUP used
8,75% dibandingkan pada tahun 2023 di mana FIFGROUP 21,215,009.63 kWh of electrical energy. Meanwhile, energy
menggunakan energi listrik sebanyak 21.215.009,63 kWh. consumption from both stationary and mobile fuels reached
Sementara itu, konsumsi energi dari bahan bakar baik stationer 48,066,150 mega joules, an increase of 0.53% compared to
maupun mobile mencapai 48.066.150 mega joule, turun 48,322,750 mega joules in 2023. The growth in electricity
0,53% dibandingkan pada tahun 2023 mencapai 48.322.750 and fuel usage is due to the Company's continuous growth
mega joule. Kenaikan penggunaan energi listrik dan bahan in optimizing business processes and increasing productivity.
bakar dikarenakan Perseroan yang senantiasa bertumbuh In addition, the energy use intensity is 0.50 GJ per employee
mengoptimalkan proses bisnis dan meningkatkan produktivitas. per month. [GRI 302-1]
Selain itu, Intensitas penggunaan energi sebesar 0,50 GJ per
karyawan per bulan. [GRI 302-1]
Konsumsi Energi Berdasarkan Sumber (MJ) [OJK F.6][GRI 302-1]
Energy Consumption By Source (MJ) [OJK F.6][GRI 302-1]
Sumber Energi
2024 2023
Energy Source
Energi Tidak Terbarukan
Non-Renewable Energy
Pembakaran Bahan Bakar Stasioner
2.158.100 2.134.070
Stationary Fuel Combustion
Pembakaran Bahan Bakar Mobile
45.908.050 46.188.680
Mobile Fuel Combustion
Jumlah Konsumsi Energi Tidak Terbarukan
48.066.150 48.322.750
Total Non-Renewable Energy Consumption
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Kinerja Keberlanjutan
Sustainability Performance
Sumber Energi
2024 2023
Energy Source
Energi Baru Terbarukan
New Renewable Energy
Biofuels (Bahan Bakar Stasioner)
833.320 824.040*
Biofuels (Stationary Fuel)
Pembangkit Listrik Terbarukan (Solar PV)
1.144.080 763.050
Renewable Power Generation (Solar PV)
Pembelian REC
15.503.000 5.472.130
REC Purchase
Jumlah Konsumsi Energi Terbarukan
17.480.400 7.059.220
Total Renewable Energy Consumption
Energi Tidak Terbarukan yang dibeli
Non-Renewable Energy purchased
Listrik PLN
83.058.260 76.370.800
PLN Electricity
Jumlah Konsumsi Energi (MJ)
148.604.810 131.752.770
Total Energy Consumption (MJ)
Intensitas Penggunaan Energi [OJK F.6][GRI 302-3]
Energy Use Intensity [OJK F.6][GRI 302-3]
Uraian Satuan
2024 2023 2022
Description Unit
Volume Penggunaan Listrik kWh 23.072.715,97 21.215.009,63 20.063.697,88
Electricity Usage Volume GJ 83.058,26 76.370,80 72.226,26
kWh per karyawan per bulan
136,04 128,10 119,76
Intensitas Penggunaan Listrik kWh per employee per month
Electricity Usage Intensity GJ per karyawan per bulan
0,50 0,46 0,43
GJ per employee per month
Penggunaan energi listrik dan bahan bakar juga berdampak The use of electricity and fuel has an impact on the amount
pada jumlah emisi yang dihasilkan. Untuk itu, Perseroan of emissions produced. Therefore, the Company supports
mendukung upaya mitigasi dan adaptasi perubahan iklim climate change mitigation and adaptation efforts by
dengan menghitung emisi Gas Rumah Kaca (GRK) cakupan calculating Greenhouse Gas (GHG) emissions scope 1 &
1 & 2. Hingga saat ini Perseroan sedang mengembangkan 2. The Company is currently developing the calculation of
perhitungan emisi GRK cakupan 3. Pada tahun 2024, jumlah GHG emissions scope 3. In 2024, the amount of emissions
emisi yang dihasilkan FIFGROUP yaitu sebesar 22.959,35 generated by FIFGROUP is 22,959.35 tons CO2 eq. [GRI
tonCO2 eq. [GRI 305-3] 305-3]
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FIFGROUP x GRAB: Mendorong Mobilitas
Berkelanjutan Melalui Inisiatif Carbon Neutral
FIFGROUP x GRAB: Promoting Sustainable Mobility Through Carbon Neutral Initiative
Sebagai bagian dari komitmen terhadap keberlanjutan dan As part of its commitment to sustainability and carbon
pengurangan emisi karbon, FIFGROUP berkolaborasi dengan emission reduction, FIFGROUP collaborated with GRAB
GRAB dalam sebuah inisiatif Carbon Neutral Mobility. Program in a Carbon Neutral Mobility initiative. This program aims
ini bertujuan untuk mengurangi dampak lingkungan dari to minimize the environmental impact of employee travel
perjalanan karyawan dengan mengoptimalkan penggunaan by optimizing the use of low-emission vehicles (LEVs) and
kendaraan rendah emisi (LEV) serta mengalokasikan dana allocating funds for carbon credits to offset the carbon
untuk carbon credit guna mengimbangi jejak karbon yang footprint generated. In the 2024 fiscal year, the program
dihasilkan. Pada tahun fiskal 2024, program ini telah mencatat recorded 1,349 trips with a total distance of 6,348 km,
1.349 perjalanan dengan total jarak tempuh 6.348 km, resulting in 0.66 tons of CO₂e emissions, with an average
menghasilkan emisi CO₂ sebesar 0,66 ton CO₂e dengan emission of 0.49 kg CO₂e per km. To mitigate this impact,
rata-rata emisi 0,49 kg CO₂e per km. Untuk mengurangi 456 trips were offset through a carbon credit scheme,
dampak ini, sebanyak 456 perjalanan telah di-offset melalui successfully compensating 0.23 tons of CO₂e. The use of
skema carbon credit, yang berhasil mengompensasi 0,23 low-emission vehicles (LEVs) in 44 trips contributed to an
ton CO₂e. Selain itu, penggunaan kendaraan rendah emisi emission reduction of 0.02 tons of CO₂e.
(LEV) dalam 44 perjalanan turut berkontribusi pada penurunan
emisi sebesar 0,02 ton CO₂e.
Melalui inisiatif ini, FIFGROUP tidak hanya mendorong mobilitas Through this initiative, FIFGROUP is not only promoting
ramah lingkungan, tetapi juga secara aktif berpartisipasi environmentally friendly mobility but also actively participating
dalam upaya dekarbonisasi melalui mekanisme carbon credit. in decarbonization efforts through the carbon credit
Ke depan, kolaborasi ini akan terus dikembangkan dengan mechanism. In the future, this collaboration will continue to
menambah opsi perjalanan hijau, meningkatkan efisiensi expand by introducing more green travel options, enhancing
transportasi, serta memperluas dukungan terhadap ekosistem transportation efficiency, and strengthening support for a
transportasi berkelanjutan di Indonesia. sustainable transportation ecosystem in Indonesia.
Jumlah Emisi Cakupan 1 & 2 (Ton Co2 Eq) [OJK F.11][GRI 305-1, 305-2]
Total Scope 1 & 2 Emissions [OJK F.11][GRI 305-1, 305-2]
Cakupan Emisi GRK
2024 2023 2022
GHG Emission Scope
Cakupan 1 | Scope 1
• Pembakaran Bahan Bakar | Fuel Combustion
6.632,81 6.936,63 7.638,01
• Fugitif (Refrigerant & Fire Suppresion) | Fugitive (Refrigerant & Fire Suppresion)
Cakupan 2 | Scope 2
Listrik dan Energi yang dibeli
Electricity and Energy purchased 20.073,26 18.457,06 17.455,42
Total Emisi GRK
Total GHG Emissions 26.706,07 25.393,69 25.093,43
Pembelian REC
REG Purchase 3.746,72 1.322,49 1.186,63
Total Emisi GRK setelah Pembelian REC
Total GHG Emissions after REC Purchase 22.959,35 24.071,20 23.906,80
Keterangan:
1. Referensi perhitungan pelaporan emisi gas rumah kaca (GRK) mengacu pada Greenhouse Gas Protocol Corporate Standard (2004), World Resource
Institute, World Business Council for Sustainable Development dan standar pelaporan Global Reporting Standards.
2. Adapun faktor emisi dan konversi lainnya diperoleh dari sumber baik nasional maupun internasional yang umum digunakan.
3. Data berasal dari seluruh jaringan FIFGROUP.
Notes:
1. References for greenhouse gas (GHG) emissions reporting calculations refer to the Greenhouse Gas Protocol Corporate Standard (2004), World Resource
Institute, World Business Council for Sustainable Development and Global Reporting Standards reporting standards.
2. Other emission and conversion factors are obtained from commonly used national and international sources.
3. Data comes from the entire FIFGROUP network.
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Kinerja Keberlanjutan
Sustainability Performance
Intensitas Emisi [OJK F.11][GRI 305-4]
Emission Intensity [OJK F.11][GRI 305-4]
Uraian Satuan
2024 2023 2022
Description Unit
Jumlah Emisi GRK (Cakupan 1 dan 2)
Ton CO2eq 22.959,35* 24.071,20* 23.906,80*
Total GHG Emissions (Scope 1 and 2)
Pendapatan Operasional Rp miliar
13.350 10.416 8.963
Operating Income Rp billion
Intensitas Emisi Ton CO2eq/Rp miliar
1,72 2,31 2,67
Emission Intensity Ton CO2eq/Rp billion
* Penyajian Kembali
* Restatement
Untuk mengurangi konsumsi energi dan emisi yang To reduce energy consumption and emissions, FIFGROUP
dihasilkan, FIFGROUP menerapkan inisiatif-inisiatif di implements initiatives such as saving electricity use,
antaranya menghemat penggunaan listrik khususnya yang especially from Air Conditioner (AC), using environmentally
bersumber dari Air Conditioner (AC), menggunakan produk friendly products such as Light Emitting Diode (LED) lamps
ramah lingkungan yaitu lampu Light Emitting Diode (LED) di across all Company networks, purchasing PLN Renewable
seluruh jaringan perusahaan, membeli Renewable Energy Energy Certificate (REC) of 15,503 GJ in 2024, and installing
Certificate (REC) PLN sejumlah 15.503 GJ pada tahun 2024, solar panels with a capacity of 10.8 kWp in 30 branch offices.
dan memasang panel surya dengan kapasitas 10,8 kWp The installation of solar panels as New Renewable Energy
di 30 kantor cabang. Pemasangan panel surya sebagai (EBT) is an effort to optimize and reduce GHG emissions
Energi Baru Terbarukan (EBT) ini menjadi upaya optimalisasi generated from the Company's operational activities. [OJK
dan mengurangi emisi GRK yang dihasilkan dari kegiatan F.7][GRI 305-5, 306-5]
operasional Perseroan. [OJK F.7][GRI 305-5, 306-5]
Selain itu, untuk mengurangi emisi GRK, Perseroan juga In addition, to reduce GHG emissions, the Company also
melaksanakan kegiatan penanaman pohon. Kegiatan ini juga carries out tree planting activities. This activity is also a form
sebagai wujud dukungan untuk menjaga keanekaragaman of support for maintaining biodiversity. Although none of
hayati. Meskipun seluruh lokasi gedung kantor pusat the head office or branch building locations of FIFGROUP
maupun cabang dari FIFGROUP tidak ada yang berada are located or adjacent to protected areas or areas with
maupun berdekatan dengan kawasan lindung atau kawasan high biodiversity, so there is no negative impact on the
yang memiliki keanekaragaman hayati tinggi, sehingga tidak surrounding biodiversity and national and IUCN Red List
berdampak negatif pada keanekaragaman hayati sekitar species.
dan spesies nasional maupun IUCN Red List.
Kegiatan penanaman pohon ini telah dilaksanakan sejak These trees planting activities have been held since 2018
tahun 2018 hingga saat ini. Pelaksanaan penanaman pohon until present. The implementation of tree planting performed
dilakukan dengan berkolaborasi bersama Institut Pertanian in collaboration with Bogor Agricultural University, Local
Bogor, Koperasi daerah setempat serta Sekolah Menengah cooperatives and Agricultural Vocational High Schools
Kejuruan (SMK) Pertanian di Indonesia. Sepanjang tahun 2024, in Indonesia. Throughout 2024, the number of trees
jumlah pohon yang berhasil ditanam oleh Perseroan sebanyak successfully planted by the Company was 25,000 trees.
25.000 pohon. [OJK F.12][GRI 304-1, 304-2, 304-3, 304-4] [OJK F.12][GRI 304-1, 304-2, 304-3, 304-4]
Pengelolaan Air [OJK F.8][GRI 3-3] Water Management [OJK F.8][GRI 3-3]
Penggunaan air untuk operasional Perseroan bersumber dari Water usage for the Company's operations is sourced from
PDAM untuk memenuhi keperluan domestik dan memelihara PDAM (Indonesian Water Utilities) to fulfill domestic needs
lingkungan. Sepanjang tahun 2024, FIFGROUP menggunakan and maintain the environment. Throughout 2024, FIFGROUP
air sebanyak 238.079 m3 , naik sebesar 11% dibandingkan used 238,079 m3 of water, an increase of 11% compared to
tahun 2023 sebanyak 211.312 m3. Kenaikan ini disebabkan 2023 of 211,312 m3. This increase was due to the addition
oleh adanya penambahan jumlah cabang karena Perseroan of branches as the Company continues to grow to optimize
yang senantiasa bertumbuh mengoptimalkan proses bisnis business processes and improve productivity.
dan meningkatkan produktivitas.
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Sebagai salah satu bagian penting dari ASTRA 2030 As an important part of ASTRA 2030 Sustainability Aspirations,
Sustainability Aspirations, Perseroan terus berupaya the Company continues to enhance water use efficiency
meningkatkan inisiatif-inisiatif efisiensi penggunaan air initiatives by encouraging a reduction in the intensity of
dengan mendorong pengurangan intensitas pengambilan surface and groundwater withdrawals and managing water
air permukaan dan air tanah serta mengelola daur ulang air. recycling. The Company also developed the utilization of
Perseroan juga mengembangkan utilisasi keran otomatis automatic taps and implemented a wise water use campaign
serta melaksanakan kampanye bijak penggunaan air di kantor at both branch and head offices. [GRI 303-1, 303-3, 303-5]
cabang maupun pusat. [GRI 303-1, 303-3, 303-5]
Sumber Air
2024 2023 2022
Water Source
Air PDAM (M3)
238.079 211.312 193.436
PDAM Water (M3)
Pengelolaan Sampah [GRI 3-3] Waste Management [GRI 3-3]
Selain mengelola penggunaan air, FIFGROUP juga melakukan In addition to managing water usage, FIFGROUP manages
pengelolaan limbah padat domestik nonplastik dan limbah non-plastic domestic solid waste and plastic waste generated
plastik yang dihasilkan dari kegiatan operasional Perseroan. from the Company's operational activities. Throughout
Sepanjang tahun 2024, jumlah limbah padat domestik non- 2024, the amount of non-plastic domestic solid waste was
plastik sebanyak 24.239 kg dan limbah plastik sebanyak 7.926 24,239 kg and plastic waste was 7,926 kg. The waste is
kg. Limbah tersebut dikelola FIFGROUP dengan bekerja sama managed by FIFGROUP in collaboration with waste banks
bersama bank sampah di 62 titik jaringan FIFGROUP. Dari at 62 FIFGROUP network points. From the waste bank
pengelolaan bank sampah tercatat 10.225 kg atau 31,79% management, 10,225 kg or 31.79% of non-plastic domestic
limbah padat domestik non-plastik dan 4.453 kg atau 13,84% solid waste and 4,453 kg or 13.84% of plastic solid waste
limbah padat plastik berhasil dikelola dengan baik. Pada tahun were successfully managed. In 2024, no waste spills
2024, tidak terdapat tumpahan limbah yang terjadi. [OJK F.15] occurred. [FSA F.15]
Perseroan menerapkan program Ayo Kurangi Sampah The Company implements Let’s Reduce National Waste/
Indonesia (AKSI) dengan melakukan upaya-upaya Ayo Kurangi Sampah Indonesia (AKSI) program by making
diantaranya: [OJK F.13][GRI 2-27, 306-1, 306-2] efforts including: [OJK F.13][GRI 2-27, 306-1, 306-2]
• Program Komitmen AKSI yang ditandatangani oleh • AKSI Commitment Program signed by the Heads of
Kepala cabang di 102 cabang milik FIFGROUP. branches in 102 branches owned by FIFGROUP.
• Pada kegiatan HUT FIFGROUP 2024, program FIFGROUP • During the FIFGROUP 2024 Anniversary event, the
Beach Clean Up berhasil mengumpulkan 258 kg sampah FIFGROUP Beach Clean Up program successfully collected
botol plastik yang didapatkan dari 90 karyawan. 258 kg of plastic bottle waste obtained from 90 employees.
• Melakukan proses pemilahan jenis limbah padat domestik • Sorting out non-plastic domestic solid waste and plastic
non-plastik dan limbah padat plastik di kantor cabang maupun solid waste at Head Office and Branches.
pusat.
• Mengurangi limbah kertas dengan menjalankan sistem • Reducing paper waste by implementing a digital signing
digital signing dan approval. and approval system.
• Mengelola limbah organik. • Managing organic waste.
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Kinerja Keberlanjutan
Sustainability Performance
Jumlah Limbah Padat Yang Dihasilkan (Kg) [OJK F.13][GRI 306-3, 306-4, 306-5]
Total Solid Waste Generated (Kg) [OJK F.13][GRI 306-3, 306-4, 306-5]
2024 2023 2022
Uraian
Description Pihak ketiga Daur ulang Jumlah Pihak ketiga Daur ulang Jumlah Pihak ketiga Daur ulang Jumlah
Third parties Recycle Total Third parties Recycle Total Third parties Recycle Total
Limbah Padat
Domestik Non
Plastik
14.014 10.225 24.239 16.752,00 7.838,00 24.590,00 23.906,64 7.019,36 30.926
Non-plastic
Domestic Solid
Waste
Limbah Padat
Plastik
3.473 4.453 7.926 3.331,00 3.057,00 6.388,00 2.810,57 2.757,01 5.567,58
Plastic Solid
Waste
Jumlah
17.487 14.678 32.165 20.083,00 10.895,00 30.978,00 26.717,21 9.776,37 36.493,58
Total
Mekanisme pengolahan limbah padat yang dihasilkan The mechanism for processing solid waste involves
yaitu menunjuk pihak ketiga yang memiliki sertifikasi untuk appointing a certified third party to dispose of the waste
membuang limbah ke Tempat Pembuangan Sampah at the Temporary Waste Disposal Site (TPS), in which it is
Sementara, untuk selanjutnya disortir sebelum diangkut ke sorted before being transported to the Final Disposal Site
Tempat Pembuangan Akhir. [OJK F.13] (TPA). [FSA F.13]
Upaya Pelestarian Lingkungan [OJK F.9, F.10] Environmental Conservation Efforts [OJK F.9, F.10]
Sebagai wujud komitmen terhadap upaya pelestarian As a manifestation of its commitment to environmental
lingkungan hidup, Perusahaan secara resmi meluncurkan conservation efforts, the Company officially launched a
program penanaman pohon tersentralisasi yaitu Hutan centralized tree-planting program, namely Hutan FIFGROUP
FIFGROUP pada tanggal 22 Oktober 2024. (FIFGROUP Forest), on October 22, 2024.
Hutan FIFGROUP yang terletak di Wilayah Perhutanan Sosial Located in the Social Forestry Area of Jayamekar Village,
Desa Jayamekar, Kabupaten Garut, Jawa Barat ini memiliki Garut Regency, West Java, Hutan FIFGROUP spans 20
luas 20 hektar. Dalam program tersebut, lebih dari 25.000 bibit hectares. In this program, over 25,000 tree seedlings were
pohon ditanam oleh FIFGROUP bersama masyarakat sekitar planted by FIFGROUP together with the local community to
untuk mendukung keberlanjutan lingkungan. support environmental sustainability.
Hutan FIFGROUP merupakan bagian dari Pilar FIFGROUP Lestari Hutan FIFGROUP is part of the FIFGROUP Lestari Pillar,
sebagai upaya perusahaan dalam mendukung pelestarian reflecting the Company's effort to support environmental
lingkungan dan mengurangi dampak perubahan iklim, seperti preservation and mitigate the impacts of climate
meningkatnya suhu global dan penurunan kualitas lingkungan. change, such as rising global temperature and declining
Program ini sejalan dengan Paris Agreement dan Sustainable environmental quality. This program aligns with the Paris
Development Goals (SDGs), khususnya SDGs ke-13 tentang Agreement and the Sustainable Development Goals (SDGs),
Penanganan Perubahan Iklim serta SDGs ke-15 mengenai particularly SDG 13 on Climate Action and SDG 15 on Life
Keberlanjutan Ekosistem Daratan. on Land.
Acara peresmian Hutan FIFGROUP ditandai dengan The inauguration of Hutan FIFGROUP was marked by the signing
penandatanganan prasasti sebagai simbol kolaborasi dalam of a inscription as a symbol of collaboration in environmental
upaya pelestarian lingkungan dan peningkatan kesejahteraan conservation and surrounding community welfare enhancement
masyarakat sekitar. Kegiatan peresmian Hutan FIFGROUP efforts. The inauguration of Hutan FIFGROUP was attended
dihadiri oleh Sekretaris Dinas Lingkungan Hidup Garut, Kepala by the Secretary of Garut Environmental Service, Head of
Pengendalian Ekosistem Hutan Cabang Dinas Kehutanan Forest Ecosystem Control of Garut Region V Forestry Service
Wilayah V Garut, Direktur Pengembangan Masyarakat Branch, Director of Agromaritime Community Development of
Agromaritim IPB University, Wakil Kepala Sekolah Menengah IPB University, Deputy Head of State Vocational High School
Kejuruan Negeri (SMKN) 4 Garut, dan Direktur FIFGROUP, (SMKN) 4 Garut, and Director of FIFGROUP, Esther Sri Harjati.
Esther Sri Harjati.
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Berkolaborasi dengan Institut Pertanian Bogor, Hutan In collaboration with Bogor Agricultural Institute, Hutan
FIFGROUP menerapkan teknik agroforestri yang FIFGROUP applies agroforestry techniques that combine
mengkombinasikan penanaman bibit pohon kehutanan, the planting of forestry tree seedlings, endemic plants, and
tanaman endemik, dan tanaman produktif. Pendekatan ini productive crops. This approach allows the Hutan FIFGROUP
memungkinkan kawasan Hutan FIFGROUP untuk ditanami area to be planted with various types of productive trees
berbagai jenis pohon produktif seperti alpukat, kopi, hingga such as avocados, coffee, and durian. Thus, in addition
durian. Sehingga, selain memperkaya biodiversitas hutan, to enriching forest biodiversity, Hutan FIFGROUP is also
pada masa panen nanti Hutan FIFGROUP juga diharapkan expected to provide sustainable economic benefits to the
memberikan dampak ekonomi yang berkelanjutan bagi community through the harvest yields.
masyarakat melalui hasil panen yang diperoleh.
Melalui program ini, FIFGROUP juga turut berperan aktif Through this program, FIFGROUP also actively contributes
dalam upaya pengurangan emisi karbon melalui carbon to carbon emission reduction efforts via carbon offsetting.
offset. Langkah ini diambil untuk membantu mengurangi This step is taken to help mitigate the adverse effects of
dampak buruk emisi gas rumah kaca yang berkontribusi pada greenhouse gas emissions that contribute to global warming.
pemanasan global. Kolaborasi dengan Institut Pertanian Bogor The collaboration with Bogor Agricultural Institute
ini memastikan setiap tahap pelaksanaan dilakukan secara ensures that every implementation stage is conducted
profesional, mulai dari penanaman hingga monitoring dan professionally, from planting to monitoring and maintenance,
perawatan, sehingga dapat mendukung evaluasi efektivitas thereby supporting the sustainable evaluation of the
program secara berkelanjutan. program's effectiveness.
Lain-lain
Others
VERIFIKASI TERTULIS DARI PIHAK INDEPENDEN WRITTEN VERIFICATION BY AN INDEPENDENT
[OJK G.1] PARTY [OJK G.1]
Meskipun penggunaan external assurance oleh pihak ketiga The use of external assurance by an independent
yang independen dapat memastikan kualitas dan kehandalan third party can ensure the quality and reliability of the
informasi yang disampaikan dalam laporan ini. Namun, atas information presented in this report. However, due to certain
pertimbangan tertentu dari manajemen, saat ini Perseroan management considerations, the Company has not yet
belum melakukan verifikasi tertulis dari pihak ketiga yang conducted a written verification by an independent third
independen dikarenakan hawl tersebut bukan merupakan party, as it is not a requirement to be “in accordance” with the
persyaratan agar dapat “sesuai” dengan Pedoman. Namun Guidelines. Even so, we assure that all information disclosed
demikian, kami menjamin bahwa seluruh informasi yang in this report is true, accurate, and factual.
diungkapkan di dalam laporan ini adalah benar, akurat,
dan faktual.
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Kinerja Keberlanjutan
Sustainability Performance
Lembar Umpan Balik [OJK G.2]
Feedback Form [OJK G.2]
Terima kasih kepada Bapak/Ibu/Saudara yang telah berkenan Thank you to our esteemed readers for taking the time to
membaca Laporan Keberlanjutan 2024 PT Federal Indonesia read the 2024 Sustainability Report of PT Federal Indonesia
Finance. Guna meningkatkan isi Laporan Tahunan Terintegrasi Finance. To improve the content of our Integrated Annual
pada tahun-tahun mendatang, kami berharap Bapak/Ibu/ Report in the coming years, we would greatly appreciate your
Saudara bersedia untuk mengisi Lembar Umpan Balik ini participation in completing this Feedback Form by circling
dengan melingkari salah satu jawaban dan mengisi titik-titik one of the provided answers and filling out the form. Kindly
yang tersedia, kemudian mengirimkannya kepada kami. return the completed form to us.
1 Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai kinerja ekonomi, sosial, dan lingkungan Perseroan:
This Sustainability Report has provided clear information on the Company's economic, social, and environmental performance:
Setuju | Agree Tidak Setuju | Disagree Tidak tahu | Not sure
2 Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai pemenuhan tanggung jawab sosial dan lingkungan Perseroan:
This Sustainability Report has provided clear information on the Company's fulfillment of social and environmental responsibilities:
Setuju | Agree Tidak Setuju | Disagree Tidak tahu | Not sure
3 Materi dan data dalam Laporan Tahunan Keberlanjutan ini mudah dimengerti dan dipahami:
The materials and data in this Sustainability Report are easy to understand and comprehend:
Setuju | Agree Tidak Setuju | Disagree Tidak tahu | Not sure
4 Materi dan data dalam Laporan Tahunan Keberlanjutan ini sudah cukup lengkap:
The materials and data in this Sustainability Report are sufficiently comprehensive:
Setuju | Agree Tidak Setuju | Disagree Tidak tahu | Not sure
5 Apakah desain, tata letak, grafis, dan foto-foto dalam Laporan Keberlanjutan ini sudah bagus?
Are the design, layout, graphics, and photos in this Sustainability Report appealing?
Setuju | Agree Tidak Setuju | Disagree Tidak tahu | Not sure
6 Informasi apa yang paling bermanfaat dari Laporan Keberlanjutan ini?
What information in this Sustainability Report do you find most useful?
........................................................................................................................................................................................................................................................
7 Informasi apa yang paling bermanfaat dari Laporan Keberlanjutan ini?
What information in this Sustainability Report do you find most useful?
........................................................................................................................................................................................................................................................
8 Informasi apa yang dinilai masih kurang dari Laporan Keberlanjutan ini dan perlu ditambahkan pada Laporan Keberlanjutan mendatang?
What information do you think is lacking in this Sustainability Report and should be added in the next report?
........................................................................................................................................................................................................................................................
Identifikasi menurut kategori pemangku kepentingan
Identification according to stakeholder category
Nasabah dan Klien Investor Regulator (OJK/BI) Komunitas Masyarakat
Customer and Client Investor Regulator (FSA/BI) Community
Media Karyawan Lain-lain, mohon disebutkan …………………
Media Employee Others, please specify …………………
Identitas Pengirim Mohon formulir ini dikirimkan kembali ke :
Sender Identity Please return this form to :
Nama | Name Menara FIF | FIF Tower
Jl. TB. Simatupang, Kav. 15, Cilandak,
Jakarta Selatan | South Jakarta 12440, Indonesia
Surel | Email Telp | Phone : +6221-769 8899
Faks. | Fax : +6221-759 055 99
Email : corpsecretary@fifgroup.astra.co.id
Website : www.fifgroup.co.id
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Tanggapan terhadap Umpan Balik Laporan
Keberlanjutan Tahun Sebelumnya [OJK G.3]
Response to Feedback on The Previous Year’s Sustainability Report [OJK G.3]
Selama tahun 2024, Perseroan tidak menerima tanggapan Throughout 2024, the Company did not receive specific
spesifik terkait Laporan Keberlanjutan Tahun 2023 untuk feedback regarding the 2023 Sustainability Report for
perbaikan laporan tahun berikutnya. Namun demikian, improvements in the following year’s report. Nevertheless,
Perseroan telah berupaya melakukan berbagai penyempurnaan the Company has made various enhancements and
dan perbaikan agar laporan ini memenuhi ketentuan POJK refinements to ensure this report complies with the provisions
No.51/POJK.03/2017 dan No.16/SEOJK.04/2021 yang menjadi of POJK No. 51/POJK.03/2017 and No. 16/SEOJK.04/2021,
rujukan penulisan laporan ini. Kami berharap laporan ini which serve as the reference for preparing this report. We
dapat menjadi sumber informasi yang berguna bagi para hope this report can be a valuable source of information
pemangku kepentingan. for all stakeholders.
Daftar Pengungkapan Sesuai POJK Nomor 51/
POJK.03/2017 [OJK G.4]
List of Disclosures According to POJK NO. 51/POJK.03/2017 [OJK G.4]
Nama Indeks Halaman
No.
Index Name Page
Strategi Keberlanjutan
A.
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1. 42
Explanation of Sustainability Strategy
Ikhtisar Kinerja Aspek Keberlanjutan
B.
Performance Highlights of Sustainability Aspects
Aspek Ekonomi
B.1. 4
Economic Aspect
Aspek Lingkungan Hidup
B.2. 5
Environmental Aspect
Aspek Sosial
B.3. 7
Social Aspect
Profil Perusahaan
C.
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1. 58
Vision, Mission and Sustainability Values
Alamat Perusahaan
C.2. 57
Company Address
Skala Usaha
C.3. 60
Business Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4. 54
Products, Services and Business Activities Carried Out
Keanggotaan pada Asosiasi
C.5. 61
Association Membership
Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan
C.6. 57
Significant Changes of Issuer and Public Company
Penjelasan Direksi
D.
Explanation from the Board of Directors
Penjelasan Direksi
D.1. 31
Explanation from the Board of Directors
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Sustainability Performance
Nama Indeks Halaman
No.
Index Name Page
Tata Kelola Keberlanjutan
E.
Sustainability Governance
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1. 66
Party in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan Berkelanjutan
E.2. 96
Competency Development Related to Sustainable Finance
Penilaian Risiko Atas Penerapan Keuangan Berkelanjutan Risk
E.3. 66
Risk Assessment on Sustainable Finance Implementation
Hubungan Dengan Pemangku Kepentingan
E.4. 76
Relationship with Stakeholders
Permasalahan Terhadap Penerapan Keuangan Berkelanjutan
E.5. 73
Problems on Sustainable Finance Implementation
Kinerja Keberlanjutan
F.
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1. 58
Activity in Building Sustainability Culture
Kinerja Ekonomi
Economy Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan, dan Laba Rugi
F.2. 81
Comparison of Target and Production Performance, Portfolio, Financing Target, or Investment, Income, and Profit or Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan
atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
F.3. 83
Comparison of Target and Portfolio Performance, Financing Target, or Investment in Financial Instruments or
Projects in Line with the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum | General Aspect
Biaya Lingkungan Hidup
F.4. 114
Environmental Cost
Aspek Material | Material Aspect
Penggunaan Material yang Ramah Lingkungan
F.5. 113
Use of Environmentally Friendly Materials
Aspek Energi | Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan
F.6. 114
Amount and Intensity of Energy Used
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7. 114
Efforts and Achievements of Energy Efficiency by Using Renewable Energy
Aspek Air | Water Aspect
Penggunaan Air
F.8. 117
Use of Water
Aspek Keanekaragaman Hayati | Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
F.9. Keanekaragaman Hayati 119
Impact of Operational Areas that are Near or in a Conservation Area or Have Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10. 119
Efforts to Conserve Biodiversity
Aspek Emisi | Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
F.11. 116
Amount and Intensity of Emissions Produced Based on Types
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12. 117
Efforts and Achievement of Emission Reductions Carried Out
Aspek Limbah dan Efluen | Waste and Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
F.13. 119
Amount of Waste and Effluent Produced Based on Types
Mekanisme Pengelolaan Limbah dan Efluen
F.14. 118
Mechanism of Waste and Effluent Management
Mekanisme Pengelolaan Limbah dan Efluen
F.15. 118
Mechanism of Waste and Effluent Management
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Nama Indeks Halaman
No.
Index Name Page
Aspek Pengaduan Terkait Lingkungan Hidup | Complaints Related to the Environment Aspect
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16. 104
Number and Subject of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen
F.17. 102
Commitment to Providing Equal Services for Products and/or Services to Consumers
Aspek Ketenagakerjaan | Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18. 91
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19. 91
Child Labor and Forced Labor
Upah Minimum Regional
F.20. 92
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21. 94
Decent and Safe Working Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22. 96
Training and Development of Employees’ Capabilities
Aspek Masyarakat | Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar
F.23. 105
Impact of Operations on the Surrounding Community
Pengaduan Masyarakat
F.24. 104
Community Complaint
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25. 105
Corporate Social Responsibility (CSR) Activities
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) | Corporate Social Responsibility (CSR) Activities
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.26. 101
Corporate Social Responsibility (CSR) Activities
Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
F.27. 102
Products/Services That Have Been Evaluated for Safety for Customers
Dampak Produk/Jasa
F.28. 100
Impact of Product/Service
Jumlah Produk yang Ditarik Kembali
F.29. 102
Number of Products Recalled
Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30. 103
Customer Satisfaction Survey of the Sustainable Finance Products and/or Services
Lain-lain
G.
Others
Verifikasi Tertulis dari Pihak Independen ( jika ada)
G.1. 120
Written Verification by an Independent Party (If any)
Lembar Umpan Balik
G.2. 121
Feedback Form
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
G.3. 122
Response to Feedback on the Previous Year's Sustainability Report
Daftar Pengungkapan POJK Nomor 51/POJK.03/2017
G.4. 122
List of Disclosures According to POJK No. 51/POJK.03/2017
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Kinerja Keberlanjutan
Sustainability Performance
Indeks Sustainability Accounting Standard Board
(SASB) – Sektor Keuangan
Sustainability Accounting Standard Board (SASB) – Finansial Sector
Kode Pengungkapan Halaman
Code Disclosure Page
Privasi Pelanggan
Customer Privacy
Jumlah pemegang rekening yang informasinya digunakan untuk tujuan sekunder
FN-CF-220a.1 N/A
Number of account holders whose information is used for secondary purposes
Jumlah total kerugian moneter sebagai akibat dari proses hukum yang terkait dengan privasi nasabah
FN-CF-220a.2 100
Total amount of monetary losses as a result of legal proceedings associated with customer privacy
Keamanan Data
Data Security
(1) Jumlah pelanggaran data, (2) persentase pelanggaran data pribadi, (3) jumlah pemegang rekening
yang terkena dampak
FN-CF-230a.1 100
(1) Number of data breaches, (2) percentage that are personal data breaches, (3) number of account
holders affected
Kerugian penipuan terkait kartu dari (1) penipuan yang tidak menggunakan kartu dan (2) penipuan yang
FN-CF-230a.2 menggunakan kartu dan penipuan lainnya 100
Card-related fraud losses from (1) cardnot-present fraud and (2) card-present and other fraud
Deskripsi pendekatan untuk mengidentifikasi dan menangani risiko keamanan data
FN-CF-230a.3 100
Description of approach to identifying and addressing data security risks
Praktik Penjualan
Selling Practices
Persentase total remunerasi untuk karyawan yang tercakup yang bersifat variabel dan terkait dengan
jumlah produk dan jasa yang terjual
FN-CF-270a.1 92
Percentage of total remuneration for covered employees that is variable and linked to the amount of
products and services sold
Tingkat persetujuan untuk (1) produk kredit dan (2) produk prabayar untuk pemohon
FN-CF-270a.2 102
Approval rate for (1) credit and (2) prepaid products for applicants
(1) Rata-rata biaya dari produk tambahan, (2) rata-rata APR produk kredit, (3) rata-rata usia produk kredit,
(4) rata-rata jumlah rekening kredit, dan (5) rata-rata biaya tahunan untuk produk prabayar
FN-CF-270a.3 102
(1) Average fees from add-on products, (2) average APR of credit products, (3) average age of credit
products, (4) average number of credit accounts, and (5) average annual fees for pre-paid products
(1) Jumlah pengaduan nasabah yang diajukan, (2) persentase yang mendapatkan penyelesaian secara
FN-CF-270a.4 moneter atau nonmoneter 104
(1) Number of customer complaints filed, (2) percentage with monetary or nonmonetary relief
Jumlah total kerugian moneter sebagai akibat dari proses hukum yang terkait dengan penjualan dan
pelayanan produk
FN-CF-270a.5 104
Total amount of monetary losses as a result of legal proceedings associated with selling and servicing of
products
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Indeks Konten GRI
GRI Content Index
Pernyataan Penggunaan PT Federal International Finance telah melaporkan informasi yang dikutip pada indeks konten GRI untuk
Statement of Use periode 1 Januari hingga 31 Desember 2024 dengan merujuk kepada Standar GRI.
PT Federal International Finance has reported the information cited in this GRI content index for the period
January 1 to December 31, 2024 with reference to the GRI Standards.
GRI 1 Digunakan GRI 1: Landasan 2021
GRI 1 Used GRI 1: Foundation 2021
Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
Pengungkapan Umum | General Disclosures
Detail Organisasi
2-1 54
Organizational details
Entitas Yang Disertakan
2-2 48
Entities Included in The Organization’s Sustainability Reporting
Periode Pelaporan, Frekuensi, dan Kontak
2-3 48
Reporting Period, Frequency, and Contact Point
Pengungkapan Kembali Informasi
2-4 48
Restatements of Information
Jaminan (Assurance) Eksternal
2-5 48
External Assurance
Aktivitas, Rantai Nilai, dan Hubungan Bisnis Lainnya
2-6 54
Activities, Value Chain, and Other Business Relationships
Karyawan
2-7 88
Employees
Pekerja Bukan Karyawan
2-8 88
Workers Who Are Not Employees
Struktur dan Komposisi Tata Kelola
2-9 66
Governance Structure and Composition
Nominasi dan Seleksi Badan Tata Kelola Tertinggi
2-10 64
Nomination and Selection of The Highest Governance Body
GRI 2: Pengungkapan
Umum 2021 Kepala Badan Tata kelola Tertinggi
GRI 2: General
2-11 64
Chair of The Highest Governance Body
Disclosures 2021
Peran Badan Kelola Tertinggi dalam Mengawasi Dampak Manajemen
2-12 65
Role of The Highest Governance Body in Overseeing The Management of Impacts
Delegasi Tanggung Jawab untuk Pengelolaan Dampak
2-13 65
Delegation of Responsibility for Managing Impacts
Peran Badan Tata Kelola Tertinggi dalam Pelaporan Keberlanjutan
2-14 65
Role of The Highest Governance Body in Sustainability Reporting
Konflik Kepentingan
2-15 65
Conflicts of Interes
Penyampaian Kekhawatiran yang Penting
2-16 64
Communication of Critical Concerns
Pengetahuan Kolektif Badan Tata Kelola Tertinggi
2-17 96
Collective Knowledge of The Highest Governance Body
Evaluasi Kinerja Badan Tata Kelola Tertinggi
2-18 65
Evaluation of The Performance of The Highest Governance Body
Kebijakan remunerasi
2-19 64
Remuneration Policies
Proses Penetapan Remunerasi
2-20 64
Process to Determine Remuneration
Rasio Total Kompensasi Tahunan
2-21 64
Annual Total Compensation Ratio
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Sustainability Performance
Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
Pernyataan Strategi Pengembangan Keberlanjutan
2-22 31
Statement on Sustainable Development Strategy
Komitmen Kebijakan
2-23 42
Policy Commitments
Penanaman Komitmen Kebijakan
2-24 42
Embedding Policy Commitments
Proses Pemulihan Dampak Negatif
2-25 104
Processes to Remediate Negative Impacts
Mekanisme Pencarian Saran dan Penyampaian Kekhawatiran
2-26 75
Mechanisms for Seeking Advice and Raising Concerns
Kepatuhan pada Hukum dan Regulasi
2-27 65
Compliance with Laws and Regulations
Keanggotaan dalam Asosiasi
2-28 61
Membership Associations
Pelibatan Pemangku Kepentingan
2-29 76
Approach to Stakeholder Engagemen
Perjanjian Perundingan Bersama
2-30 92
Collective Bargaining Agreements
Topik Material | Material Topics
Proses Penentuan Topik Material
3-1 49
Process to Determine Material Topics
GRI 3: Topik Material Daftar Topik Material
3-2 49
2021 List of Material Topics
GRI 3: Material Topics
74, 91,
2021
Pengelolaan Topik Material 94, 96,
3-3
Management of Material Topics 100, 114,
117, 118
Standar Topik Spesifik | Specific Topics Standards
Nilai Ekonomi Langsung yang Dihasilkan dan Didistribusikan
201-1 81
Direct Economic Value Generated and Distributed
GRI 201: Kinerja
Ekonomi 2016 Implikasi Finansial Akibat Perubahan Iklim
GRI 201: Economic
201-2 84
Financial Implications due to Climate Change
Performance 2016
Kewajiban program pensiun manfaat pasti dan program pension lainnya
201-3 93
Defined Benefit Plan Obligations and Other Retirement Plans
Rasio standar upah karyawan pemula berdasarkan jenis kelamin terhadap upah
GRI 202: Keberadaan 202-1 minimum regional 64
Pasar 2016 Ratios of Standard Entry Level Wage by Gender Compared to Local Minimum Wage
GRI 202: Market
Presence 2016 Proporsi Manajemen Senior yang Berasal dari Masyarakat
202-2 89
Proportion of Senior Management Hired from The Local Community
GRI 203: Dampak Investasi infrastruktur dan dukungan layanan
Ekonomi Tidak Langsung 203-1 107
Infrastructure Investments and Services Supported
2016
GRI 203: Indirect Dampak ekonomi tidak langsung yang signifikan
203-2
Significant Indirect Economic Impacts 108
Economic Impacts 2016
GRI 205: Antikorupsi Penilaian terhadap Kegiatan yang Berisiko terjadi Korupsi
205-1 74
2016 Operations Assessed for Risks Related to Corruption
GRI 205: Anticorruption Komunikasi dan Pelatihan tentang Kebijakan dan Prosedur Antikorupsi
2016 205-2 74
Communication and Training about Anti-Corruption Policies and Procedures
GRI 206: Perilaku Anti
persaingan 2016 Langkah-langkah Hukum untuk Perilaku Anti Persaingan, Praktik Antipakat dan Monopoli
GRI 206: Anticompetitive
206-1 92
Legal Actions for Anti-Competitive Behavior, Anti-Trust, and Monopoly Practices
Behavior 2016
Pendekatan terhadap Pajak
207-1 84
Approach to Tax
Tata Kelola, Pengontrolan, dan Manajemen Risiko Pajak
GRI 207: Pajak 2019 207-2 84
GRI 207: Tax 2019
Tax Governance, Control, and Risk Management
Keterlibatan Pemangku Kepentingan dan Pengelolaan Kepedulian yang Berkaitan dengan
207-3 Pajak 84
Stakeholder Engagement and Management of Concerns Related to Tax
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Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
Konsumsi Energi dalam Organisasi
302-1 114
Energy Consumption in The Organization
GRI 302: Energi 2016 Intensitas Energi
GRI 302: Energy 2016
302-3 115
Energy Intensity
Pengurangan Konsumsi Energi
302-4 6
Reduction of Energy Consumption
Interaksi dengan Air sebagai Sumber Daya Bersama
303-1 118
Interactions with Water as A Shared Resource
GRI 303: Air dan Efluen
2018 Pengelolaan Dampak terkait Pembuangan Air
GRI 303: Water and
303-2 118
Management of Impacts Related to Water Discharge
Effluents 2018
Pengambilan Air
303-3 118
Water Withdrawal
Lahan Operasi Berdekatan dengan Kawasan Lindung dan Memiliki Nilai Keanekaragaman
304-1 Hayati Tinggi 117
Operation Sites Adjacent to Protected Areas and areas of High Biodiversity Value
GRI 304: Dampak signifikan aktivitas, produk, dan jasa terhadap keanekaragaman hayati
304-2 117
Keanekaragaman Hayati Significant Impacts of Activities, Products and Services on Biodiversity
2016 Habitat yang Dilindungi atau Direstorasi
GRI 302: Biodiversity 304-3 117
Habitats Protected or Restored
2016
Spesies Daftar Merah IUCN dan Spesies Daftar Konservasi Nasional dengan Habitat
dalam Wilayah yang Terkena Efek Operasi
304-4 117
IUCN Red List Species and National Conservation List Species with Habitats In Areas
Affected by Operations
Emisi GRK (Cakupan 1) Langsung
305-1 116
Direct (Scope 1) GHG Emissions
Emisi Energi GRK (Cakupan 2) Tidak Langsung
305-2 116
Energy Indirect (Scope 2) GHG Emissions
GRI 305: Emisi 2016 Emisi GRK (Cakupan 3) tidak langsung lainnya
GRI 305: Emission 2016
305-3 116
Other Indirect (Scope 3) GHG Emissions
Intensitas Emisi GRK
305-4 117
GHG Emissions Intensity
Pengurangan emisi GRK
305-5 117
Reduction of GHG emissions
Timbulan limbah dan dampak signifikan terkait limbah
306-1 118
Waste Generation and Significant Waste-Related Impacts
Manajemen Dampak Signifikan Terkait Limbah
306-2 118
Management of Significant Waste Related Impacts
GRI 306: Limbah 2020 Timbulan limbah
GRI 306: Waste 2020
306-3 119
Waste Generated
Limbah yang Dialihkan dari Pembuangan Akhir
306-4 119
Waste Diverted from Disposal
Limbah yang Dikirimkan ke Pembuangan Akhir
306-5 119
Waste Directed to Disposal
GRI 308: Penilaian Seleksi pemasok baru dengan menggunakan kriteria lingkungan
Lingkungan Pemasok 308-1 85
New Suppliers That Were Screened Using Environmental Criteria
2016
GRI 308: Supplier Dampak Lingkungan Negatif dalam Rantai Pasokan dan Tindakan yang Telah Diambil
Environmental 308-2 85
Negative Environmental Impacts in The Supply Chain and Actions Taken
Assessment 2016
Perekrutan Karyawan Baru dan Pergantian Karyawan
401-1 90
New Employee Hires and Employee Turnover
GRI 401: Kepegawaian Tunjangan yang Diberikan kepada Karyawan Purnawaktu yang Tidak Diberikan kepada
2016 Karyawan pada Kurun Waktu Tertentu atau Paruh Waktu
GRI 401: Employment
401-2 93
Benefits Provided to Full-Time Employees That Are Not Provided to Temporary or Part-
2016 Time Employee
Cuti Melahirkan
401-3 93
Parental Leave
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Page 129
Kinerja Keberlanjutan
Sustainability Performance
Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
Sistem Manajemen Kesehatan dan Keselamatan Kerja
403-1 94
Occupational Health and Safety Management System
Pengidentifikasian bahaya, penilaian risiko, dan investigasi insiden
403-2 94
Hazard Identification, Risk Assessment, and Incident Investigation
Layanan Kesehatan Kerja
403-3 94
Occupational Health Services
Partisipasi, Konsultasi, dan Komunikasi Pekerja Tentang Kesehatan dan Keselamatan Kerja
403-4 94
Worker Participation, Consultation, and Communication on Occupational Health and Safety
Pelatihan Pekerja mengenai Kesehatan dan Keselamatan
GRI 403: Kesehatan dan 403-5 94
Worker Training on Occupational Health and Safety
Keselamatan Kerja 2018
GRI 403: Occupational Peningkatan Kualitas Kesehatan Pekerja
403-6 94
Health Promotion of Worker Health
and Safety 2018 Pencegahan dan Mitigasi Dampak-dampak Kesehatan dan
Keselamatan Kerja yang Secara Langsung Terkait Hubungan Bisnis
403-7 94
Prevention and Mitigation of Occupational Health and Safety
Impacts Directly Linked by Business Relationships
Pekerja yang tercakup dalam sistem manajemen kesehatan dan keselamatan kerja
403-8 94
Workers Covered by An Occupational Health and Safety Management System
Kecelakaan Kerja
403-9 96
Work-Related Injuries
Penyakit Akibat Kerja
403-10 96
Work-Related Ill Health
Rata-rata Jam Pelatihan per Tahun per Karyawan
404-1 98
Average Hours of Training per Year per Employee
GRI 404: Pelatihan dan
Pendidikan 2016 Program untuk Meningkatkan Keterampilan Karyawan dan Program Bantuan Peralihan
GRI 404: Training and
404-2 93
Programs for Upgrading Employee Skills and Transition Assistance Programs
Education 2016
Persentase Karyawan yang Menerima Tinjauan Rutin terhadap Kinerja dan Pengembangan Karir
404-3 98
Percentage of Employees Receiving Regular Performance and Career Development Reviews
GRI 405: Keanekaragaman
dan Peluang Setara 2016 Keanekaragaman Badan Tata Kelola dan Karyawan
GRI 405: Diversity and
405-1 64
Diversity of Governance Bodies and Employee
Equal Opportunity 2016
GRI 406: Nondiskriminasi
2016 Insiden Diskriminasi dan Tindakan Perbaikan yang Dilakukan
GRI 406: Nondiscrimination
406-1 91
Incidents of Discrimination and Corrective Actions Taken
2016
GRI 407: Kebebasan
Berserikat dan Operasi dan Pemasok di Mana Hak atas Kebebasan Berserikat dan Perundingan Kolektif
Perundingan Kolektif 2016 Mungkin Berisiko
GRI 407: Freedom
407-1 92
Operations and Suppliers in Which the Right to Freedom of Association and Collective
of Association and Bargaining May Be at Risk
Collective Bargaining 2016
GRI 408: Pekerja Anak
2016 Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden Pekerja Anak
GRI 408: Child Labor
408-1 85
Operations and Suppliers at Significant Risk for Incidents of Child Labor
2016
GRI 409: Kerja Paksa
atau Wajib Kerja 2016 Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden Kerja Paksa atau Wajib Kerja
GRI 409: Forced or
409-1 85
Operations and Suppliers at Significant Risk for Incidents of Forced or Compulsory Labor
Compulsory Labor 2016
GRI 410: Praktik
Keamanan 2016 Petugas keamanan yang dilatih mengenai kebijakan atau prosedur hak asasi manusia
GRI 410: Security
410-1 92
Security Personnel Trained in Human Rights Policies or Procedures
Practices 2016
GRI 413: Masyarakat Operasi dengan Pelibatan Masyarakat Sekitar, Penilaian Dampak, dan Program
Lokal 2016 Pengembangan
GRI 413: Local
413-1 105
Operations with Local Community Engagement, Impact Assessments, and Development
Communities 2016 Programs
GRI 308: Penilaian Seleksi Pemasok Baru dengan Menggunakan Kriteria Sosial
Lingkungan Pemasok 414-1 85
New Suppliers That Were Screened Using Social Criteria
2016
GRI 308: Supplier
Environmental 414-2 Dampak Sosial Negatif dalam Rantai Pasokan dan Tindakan yang Telah Diambil 85
Assessment 2016 Negative Social Impacts in The Supply Chain and Actions Taken
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Standar GRI Indikator Pengungkapan Halaman
GRI Standard Indicator Disclosure Page
GRI 416: Kesehatan dan
Penilaian Dampak Kesehatan dan Keselamatan dari Berbagai Kategori Produk dan Jasa
416-1 102
Keselamatan Assessment of The Health and Safety Impacts of Product and Service Categorie
Pelanggan 2016 Insiden Ketidakpatuhan Sehubungan dengan Dampak Kesehatan dan Keselamatan dari
GRI 416: Customer Produk dan Jasa
Health and Safety 416-2 102
Incidents of Non-Compliance Concerning The Health and Safety Impacts of Products
2016
and Services
Persyaratan Untuk Informasi dan Labeling Produk dan Layanan
417-1 102
Requirements For Product And Service Information and Labeling
GRI 417: Pemasaran dan
Pelabelan 2016 Insiden Ketidakpatuhan Terkait Informasi dan Labeling Produk dan Layanan
GRI 417: Marketing
417-2 102
Incidents Of Non-Compliance Concerning Product and Service Information and Labeling
and Labeling 2016
Insiden Ketidakpatuhan Terkait Komunikasi Pemasaran
417-3 102
Incidents of Non-Compliance Concerning Marketing Communications
GRI 418: Privasi Pengaduan yang Berdasar mengenai Pelanggaran terhadap Privasi Pelanggan dan
Pelanggan 2016 Hilangnya Data Pelanggan
GRI 418: Customer
418-1 100
Substantiated Complaints Concerning Breaches of Customer Privacy and Losses of
Privacy 2016 Customer Data
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Page 132
2024
Laporan Keberlanjutan
Sustainability 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
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Names mentioned 47 people and organisations named in the text · linked when the evidence is strong
unresolved
person
Pesan
· Direktur
p.3 ×2
unresolved
org
Kategori Perusahaan Non Tbk
p.10
unresolved
org
PT Olahkarsa Inovasi
p.15 ×2
unresolved
org
PT Olahkarsa Inovasi Sustainability Award
p.16
unresolved
org
PT Astra
p.19
unresolved
org
MUFG Ltd.
p.20
unresolved
org
Sumitomo Mitsui Banking Corporation
p.20 ×2
unresolved
org
Financial Services Authority
p.20 ×10
unresolved
org
Yayasan Dharma Bhakti Astra
p.21
unresolved
org
Yayasan Pendidikan Astra Michael
p.21
unresolved
org
Yayasan Astra Honda Motor
p.21
unresolved
org
Yayasan Amaliyah Astra
p.21
unresolved
org
Yayasan Kanker Payudara Indonesia
p.21 ×2
unresolved
person
Dr. Agus Sutarman
p.21 ×2
unresolved
org
PT Astra Honda Motor
p.24 ×2
unresolved
person
Kardus
p.25 ×2
unresolved
org
Yayasan Kemah
p.26
unresolved
org
PT Federal International Finance Tahun
p.48
unresolved
org
PT Federal International Finance Sustainability Report Year
p.48
unresolved
org
PT Mitrapusaka
p.54
unresolved
org
PT Mitrapusaka Artha Finance
p.54
unresolved
org
PT Federal International
p.54
unresolved
org
Menteri Pemegang Saham
p.56
unresolved
person
Notary Rukmasanti Hardjasatya
p.56
unresolved
org
Minister of Justice No. C
p.56
unresolved
org
PT Arya Kharisma
p.56
unresolved
org
PT Rapi Utama Indonesia
p.61 ×2
unresolved
org
Bank Financial Services Institutions
p.68
unresolved
—
Employee
p.76
unresolved
org
Penyelenggara Jaminan Sosial
p.93
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