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Page 1
PT FEDERAL INTERNATIONAL FINANCE
LEVEL UP THE RACE
EMPOWER COLLABORATION
FOR SUSTAINABLE BUSINESS EXCELLENCE
2023 LAPORAN KEBERLANJUTAN
SUSTAINABILITY REPORT
Page 2
Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
PERNYATAAN DAN BATASAN
TANGGUNG JAWAB
DISCLAIMER AND LIMITATION OF LIABILITY
Laporan Keberlanjutan ini memuat data dan informasi This Sustainability Report contains data and information
mengenai rencana, tujuan, strategi dan kebijakan, regarding the Company’s plans, objectives, strategies, and
serta proyeksi Perseroan yang perlu dipahami sebagai policies, as well as projections that need to be understood
pernyataan mengenai masa depan sesuai peraturan as statements about the future following applicable laws
perundang-undangan yang berlaku. Tidak ada jaminan and regulations. There is no guarantee that the results
apabila hasil yang diantisipasi maupun diindikasikan anticipated or indicated by the Company’s statements in
dengan pernyataan-pernyataan Perseroan di masa depan the future will be achieved because it has the prospect
akan tercapai, karena mempunyai prospek risiko dan of risks and uncertainties that are influenced by external
ketidakpastian yang dipengaruhi oleh kondisi eksternal. conditions. All figures in tables and graphs use Indonesian
Seluruh angka pada tabel dan grafik menggunakan notasi notation and the words “FIFGROUP” and “Company”
bahasa Indonesia serta penulisan kata “FIFGROUP” define PT Federal International Finance.
dan “Perseroan/Perusahaan” mendefinisikan PT Federal
International Finance.
Laporan Keberlanjutan 2023 | PT Federal International Finance
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
DAFTAR ISI
TABLE OF CONTENTS
2 Ikhtisar Keberlanjutan 54 Tata Kelola Keberlanjutan
Sustainability Highlights Sustainability Governance
2 Aspek Ekonomi 67 Kinerja Ekonomi
Economy Aspect Economic Aspect
3 Aspek Lingkungan Hidup 68 Pertumbuhan Pembiayaan Berkelanjutan
Environmental Aspect Growth of Sustainable Financing
4 Aspek Sosial 75 Kinerja Keberlanjutan
Social Aspect Sustainability Performance
5 Penghargaan & Sertifikasi 76 Menciptakan Karyawan Unggul
Awards & Certifications Creating Excellent Employees
10 Jejak Langkah Keberlanjutan 86 Menjaga Layanan Berkualitas
Sustainability Milestones Maintaining Quality Service
31 Penjelasan Presiden Direktur 91 Meningkatkan Kesejahteraan Masyarakat
Message from the President Director Improving Community Welfare
39 Strategi Keberlanjutan 101 Menjaga Kelestarian Lingkungan
Sustainability Strategy Preserving Environmental Sustainability
43 Tentang Laporan Keberlanjutan 108 Referensi POJK No. 51/POJK.04/2017
About the Sustainability Report (SEOJK 16/2021) dan Indeks Isi Standar
GRI
47 Tentang Kami POJK No. 51/POJK.04/2017 (SEOJK
About Us 16/2021) Reference and GRI Standards
Content Index
48 Sekilas FIFGROUP
FIFGROUP at a Glance 119 Lembar Umpan Balik
Feedback Form
PT Federal International Finance | 2023 Sustainability Report
Page 4
Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Profil Perusahaan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR CORPORATE PROFILE
IKHTISAR KEBERLANJUTAN
SUSTAINABILITY HIGHLIGHTS
ASPEK EKONOMI
ECONOMIC ASPECT
Pembiayaan Motor Baru (NMC) Pembiayaan Multi Produk
New Motorcycle Financing Multi Product Financing*
1.601.954 unit 93.481 unit
2023 2022 2021 2023 2022 2021
1.601.954 1.249.074 1.225.815 93.481 114.040 114.264
Pembiayaan Multiguna Pembiayaan Mikro Produktif*
Multi Purpose Financing Micro Productive Financing*
1.426.122 unit 13.453 unit
2023 2022 2021 2023 2022 2021
1.426.122 1.363.956 1.278.048 13.453 3.258 N/A
* Diluncurkan pada Tahun 2022
Launched in 2022
Pembiayaan Syariah Pembiayaan Lainnya*
Sharia Financing Other Financing*
21.130 unit 65 unit
2023 2022 2021 2023 2022 2021
21.130 13.643 3.065 65 380 688
* Terdapat perubahan klasifikasi pembiayaan
lainnya pada laporan tahun 2023
There is a change in the classification of
Other Financing in the 2023 report
2 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 5
Kinerja Ekonomi Kinerja Lingkungan Kinerja Sosial
ECONOMIC PERFORMANCE ENVIRONMENTAL PERFORMANCE SOSIAL PERFORMANCE
Pendapatan Laba (Rugi) – Neto
Income Profit (Loss) Net
10.416.484 Rp juta
Rp million 4.107.391 Rp juta
Rp million
2023 2022 2021 2023 2022 2021
10.416.484 8.963.160 8.840.422 4.107.391 3.173.660 2.467.407
Produk Ramah Lingkungan Pelibatan Pihak Lokal
Environmentally-friendly Products Local Engagement
30.722 Rp juta
Rp million 100%
2023 2022 2021 2023 2022 2021
30.722 11.282 5.840 100% 100% 100%
ASPEK LINGKUNGAN HIDUP
ENVIRONMENTAL ASPECT
Penggunaan Energi Listrik Pemasangan Solar Panel
Electricity Usage Solar PV Installation
21.215.009,63 kWh 211.968,51 kWh
2023 2022 2021 2023 2022 2021
21.215.009,63 20.063.697,88 18.996.900,08 211.968,51 86.160,65 13.409,79
Pengambilan Air Penanaman Pohon
Water Withdrawal Tree Planting
211.312 liter 36.720 Pohon
Tree
2023 2022 2021 2023 2022 2021
211.312 193.436 223.006 36.720 44.277 8.498
Jumlah Limbah Padat yang Jumlah Emisi Karbon
Didaur Ulang Kembali yang Dihasilkan
Total Recycled Solid Waste Total Carbon Emissions Produced
10.895,00 kg 25.393,69 ton CO e 2
2023 2022 2021 2023 2022 2021
10.895,00 9.776,37 8.253,06 25.393,69 25.093,43 24.777,56
PT Federal International Finance | 2023 Sustainability Report 3
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Profil Perusahaan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR CORPORATE PROFILE
ASPEK SOSIAL
SOCIAL ASPECT
Realisasi Dana CSR Realisasi Dana Syariah
CSR Fund Realization Sharia Fund Realization
8.684 Rp juta
Rp million 7.042 Rp juta
Rp million
2023 2022 2021 2023 2022 2021
8.684 6.348 4.181 7.042 7.105 16.468
Jumlah Penerima Manfaat dari Program CSR
Number of Beneficiaries of CSR Programs
29.943 Rp juta
Rp million
2023 2022 2021
29.943 46.416 19.333
4 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Kinerja Ekonomi Kinerja Lingkungan Kinerja Sosial
ECONOMIC PERFORMANCE ENVIRONMENTAL PERFORMANCE SOSIAL PERFORMANCE
PENGHARGAAN DAN SERTIFIKASI
AWARDS AND CERTIFICATIONS
1 2 3
4
5 6 7
No Nama Penghargaan Kategori Penyelenggara
Awards Category Organizer
1 Corporate Affairs Astra Friendly Company, Juara 1 kategori PT Astra International Tbk
Astra 2022 (1st Place in Category) Conservations &
Biodiversity
2 Corporate Affairs Astra Security Management System, Juara PT Astra International Tbk
Astra 2022 3 kategori (3rd Place in category) Optimal
Technology Utilization
3 Corporate Affairs Astra Communication Management System, PT Astra International Tbk
Astra 2022 Juara 3 kategori Perusahaan Non Tbk (3rd Place
in Category) Non-Public Company
4 Tangsel Pos Awards 2023 Excellent Service Innovation Tangselpos.id
5 PR Indonesia Awards Bronze Winner kategori Manajemen Krisis- PR Indonesia
2023 Krisis & Pasca Krisis (Crisis Management -
Crisis & Post Crisis category)
6 PR Indonesia Awards Gold Winner kategori (category) Program PR Indonesia
2023 PR-Corporate PR-Media Literacy “DEBT
COLLECTOR”
7 PR Indonesia Awards Silver Winner kategori (category) Program PR- PR Indonesia
2023 Corporate PR-PDKT (Pahami [Understand],
Dekati [Approach], Kenali [Know], Temani
[Befriend]) with the Press.
PT Federal International Finance | 2023 Sustainability Report 5
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Profil Perusahaan
Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM
FROMTHE
THEPRESIDENT
PRESIDENTDIRECTOR
DIRECTOR CORPORATE PROFILE
SUSTAINABILITY STRATEGY
11
9
10 12
8
No Nama Penghargaan Kategori Penyelenggara
Awards Category Organizer
8 TOP Sustainable TOP Sustainable Development Goals Award Infobrand
Development Goals Award (Top SDG’s 2023)
(Top SDG’s 2023)
9 Rangkul Festival 2023 Lembaga Pembiayaan Pendukung UMKM UMKM Rangkul
Terbaik / Best Financing Institution Supporting
MSMEs
10 Anugrah Wali Kota Perusahaan Penyedia Lapangan Pekerjaan Bagi Wali Kota Padang
Padang / Mayor of Padang Penyandang Disabilitas / Companies Providing Mayor of Padang
Award Employment for Disability
11 CSI Awards 2023 INDONESIA BEST CORPORATE Majalah MIX Marcomm
SUSTAINABILITY INITIATIVES
2023-Kategori (category) Creative Philantrophy:
FIFGROUP Young Leader (Predikat Excellent)
12 CSI Awards 2023 INDONESIA BEST CORPORATE Majalah MIX Marcomm
SUSTAINABILITY INITIATIVES
2023-Kategori (category) Responsible Business
Practices: FIFGROUP Dukung UMKM Naik
Kelas (Predikat Excellent) FIFGROUP for
MSME Upgrade (Excellent Rating)
6 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Kinerja Ekonomi
Tentang Kami Kinerja Ekonomi
Lingkungan Kinerja Keberlanjutan
Sosial
ABOUT
ECONOMIC
US PERFORMANCE ECONOMIC
ENVIRONMENTAL
PERFORMANCE
PERFORMANCE SOSIAL PERFORMANCE
SUSTAINABILITY PERFORMANCE
13 14
15 16 17
No Nama Penghargaan Kategori Penyelenggara
Awards Category Organizer
13 CSI Awards 2023 INDONESIA BEST CORPORATE Majalah MIX Marcomm
SUSTAINABILITY INITIATIVES
2023-Kategori (category) Corporate Social
Marketing: Jam Sosial Mengajar (Predikat
Very Good) (Very Good Rating)
14 CSI Awards 2023 INDONESIA BEST CORPORATE Majalah MIX Marcomm
SUSTAINABILITY INITIATIVES 2023-Kategori
(category) Cause Promotion: Campaign #CARE
(Predikat Very Good) (Very Good Rating)
15 CSI Awards 2023 INDONESIA BEST CORPORATE Majalah MIX Marcomm
SUSTAINABILITY WARRIOR 202-Kategori
(category) Corporate Sustainability Top Leader
Warrior (Predikat Very Good) (Very Good Rating)
16 CSI Awards 2023 INDONESIA BEST CORPORATE Majalah MIX Marcomm
SUSTAINABILITY WARRIOR 2023-Kategori
(category) Corporate Sustainability Team
Warrior (Predikat Excellent) (Excellent Rating)
17 CSI Awards 2023 MOST ENGAGING SUSTAINABILITY Majalah MIX Marcomm
INITIATIVES PROGRAM 202-Kategori
(category) Cause Promotion: FIFGROUP #Care
PT Federal International Finance | 2023 Sustainability Report 7
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Profil Perusahaan
Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM
FROMTHE
THEPRESIDENT
PRESIDENTDIRECTOR
DIRECTOR SUSTAINABILITY
CORPORATE PROFILE
STRATEGY
18
19 20
21 22 23
No Nama Penghargaan Kategori Penyelenggara
Awards Category Organizer
18 CSI Awards 2023 MOST ENGAGING SUSTAINABILITY Majalah MIX Marcomm
INITIATIVES PROGRAM 2023-Kategori
(category) Creative Philanthropy: FIFGROUP
Young Leader
19 Human Capital & The Best Human Capital Team of The Year Majalah Top Business
Performance Award 2023 2023 (Finance Industries)
20 Human Capital & The Best Learning and Development Strategy Majalah Top Business
Performance Award 2023 2023 (Finance Industries)
21 Human Capital & The Best Human Capital Future Leader of The Majalah Top Business
Performance Award 2023 Year (Finance Industries)
22 Anugrah Wali Kota Solok Perusahaan Penyedia Lapangan Pekerjaan Bagi Wali Kota Solok
Solok Mayor’s Award Penyandang Disabilitas / Companies Providing Mayor of Solok
Employment for Disability
23 Graduasi Pahlawan Perusahaan Penyedia Lapangan Pekerjaan Bagi Kementerian Sosial RI
Ekonomi Nusantara Penyandang Disabilitas / Companies Providing
(PENA) dan Tata Rupa Employment for Disability
Nusantara 2023
8 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 11
Tentang
Kinerja Ekonomi
Kami Kinerja Ekonomi
Lingkungan Kinerja Keberlanjutan
Sosial
ECONOMIC
ABOUT US PERFORMANCE ECONOMIC
ENVIRONMENTAL
PERFORMANCE
PERFORMANCE SUSTAINABILITY
SOSIAL PERFORMANCE
PERFORMANCE
Sertifikasi Masa Berlaku
Certification Validity Period
ISO 37001:2016 Sistem Manajemen Anti Penyuapan 2021-2024
ISO 37001:2016 Anti-bribery Management System
ISO 27001:2013 Sistem Manajemen Keamanan Informasi 2021-2024
ISO 27001:2013 Information Security Management System
PT Federal International Finance | 2023 Sustainability Report 9
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
JEJAK LANGKAH KEBERLANJUTAN
SUSTAINABILITY MILESTONE
6 January 2023 16 January 2023
Penyaluran Program Beasiswa Ceria FIFGROUP Sabet Tiga Penghargaan di Astra
FIFGROUP 2022 kepada 384 Anak Terpilih Corporate Affairs Awards 2022
The Disbursement of FIFGROUP’s 2022 Ceria FIFGROUP Achieved Three Accolades at the
Scholarship Program to 384 Selected Children Astra Corporate Affairs Awards 2022
Sejalan dengan misi Perseroan, yaitu “Membawa Mengawali tahun 2023, Perseroan sebagai salah satu
Kehidupan yang Lebih Baik untuk Masyarakat” dan perusahaan pembiayaan terbesar dan merupakan anak
dalam rangka mendukung implementasi Sustainable perusahaan dari PT Astra International Tbk berhasil
Development Goals (SDGs) ke-4, yaitu Pendidikan menyabet tiga penghargaan sekaligus, yaitu Juara 1
Berkualitas, FIF kembali menyelenggarakan program Astra Friendly Company Kategori Conversations &
tahunan yang telah dilakukan sejak tahun 2013, Biodiversity, Juara 3 Astra Security Management
yaitu Beasiswa Ceria. Pada tahun 2023, FIFGROUP System Kategori Optimal Technology Utilization,
menyalurkan bantuan beasiswa tersebut kepada 384 dan Juara 3 Astra Communication Management
anak yang bersekolah mulai dari tingkat Sekolah System Kategori Perusahaan Non-Tbk.
Dasar, Sekolah Menengah Pertama setingkat, Sekolah
Menengah Atas setingkat, dan Universitas. At the beginning of 2023, the Company, as a
leading financing entity and a subsidiary of PT
In line with the Company’s mission, “Bring a Better Astra International Tbk, achieved three prestigious
Life to the Community,” and in support of the accolades simultaneously: Astra Friendly Company
implementation of Sustainable Development Goal First Place in the Conversations & Biodiversity
(SDG) 4, Quality Education, FIF once again conducted Category, Astra Security Management System
its annual program, the Ceria Scholarship, which Third Place in the Optimal Technology Utilization
has been ongoing since 2013. In 2023, FIFGROUP Category, and Astra Communication Management
disbursed these scholarships to 384 students ranging System Third Place in the Non-public Company
from elementary to secondary levels, including high Category.
school and university.
10 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 13
Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
15 March 2023 24 March 2023
Komitmen Dukung Pengembangan UMKM, FIFGROUP Resmikan Pemasangan
FINATRA Hadirkan Program FINARIA Sebagai Solar Panel di 10 Cabang
Ajang Edukasi UMKM FIFGROUP Inaugurated the Installation
Committed to support the development of SMEs, of Solar Panels across 10 Branches
FINATRA introduces the FINARIA Program as a
platform for SME education Sebagai inisiatif untuk mendukung program dan
komitmen pemerintah dalam menanggulangi dampak
FIFGROUP melalui salah satu brand services-nya, perubahan iklim dan juga sebagai salah satu program
yaitu FINATRA menghadirkan salah satu program keberlanjutan perusahaan, FIFGROUP memasang
baru yang ditujukan untuk pembinaan pelaku Usaha instalasi solar panel di sejumlah cabang FIFGROUP
Mikro, Kecil, dan Menengah (UMKM), yaitu dengan kapasitas masing-masing sebesar 10,8 KWp,
Program FINARIA. Program ini menjadi salah satu yaitu di Cabang Medan, Denpasar, Pekanbaru,
komitmen Perseroan dalam mendukung pertumbuhan Palembang, Jayapura, Makassar, Karawang,
ekonomi Indonesia dengan menghadirkan kegiatan Balikpapan, Rungkut, dan Mataram.
edukatif guna mendorong peningkatan kompetensi
dalam berbagai hal untuk mengembangkan usahanya In an endeavor to support government initiatives and
lebih maju lagi. commitments to addressing the impacts of climate
change, and as part of our corporate sustainability
Through one of its service brands, FINATRA, efforts, FIFGROUP installed solar panels at several
FIFGROUP introduced a new program aimed at FIFGROUP branches, each with a capacity of 10.8
fostering Micro, Small, and Medium Enterprises KWp. These installations are located in the following
(MSMEs) stakeholders, namely the FINARIA branches: Medan, Denpasar, Pekanbaru, Palembang,
Program. This initiative underscored the company’s Jayapura, Makassar, Karawang, Balikpapan,
commitment to bolstering Indonesia’s economic Rungkut, and Mataram.
growth by delivering educational activities to
enhance competencies across various domains,
thereby propelling their businesses forward.
PT Federal International Finance | 2023 Sustainability Report 11
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
9 April 2023 12 April 2023
Kolaborasi FIFGROUP dan Asuransi Astra Sambut Idul Fitri 2023 FIFGROUP Salurkan
Bangun Masjid Al-Mutaqien Bagi Penyintas Bingkisan dan Bantuan Lebaran Untuk Anak
Gempa Cianjur Yatim, Janda Dhuafa, Masyarakat Sekitar dan
FIFGROUP Collaborated with Astra Insurance Mitra
to Construct Al-Mutaqien Mosque for FIFGROUP Welcomed Eid al-Fitr 2023 by
Earthquake Survivors in Cianjur Distributing Gifts and Aid for Orphans, Widows,
the Surrounding Community, and Partners
Gempa bumi berkekuatan magnitudo 5,6 yang
melanda Cianjur, Jawa Barat yang terjadi pada Menyambut Hari Raya Idul Fitri 1 Syawal 1444
tahun 2022 telah meyisakan banyak kesedihan bagi Hijriah, Perseroan turut memberikan perhatian lebih
sejumlah penduduk di Cianjur. Berkaca dengan kepada anak yatim, janda dhuafa, masyarakat sekitar,
kejadian tersebut, Perseroan berkolaborasi dengan dan mitra. Pada kegiatan tersebut, sebanyak 428
Asuransi Astra membangun Masjid Ramah Gempa bingkisan lebaran dengan nominal sebesar Rp128
bagi penyintas gempa Cianjur yang diberi nama Al- juta diberikan kepada target penerima manfaat secara
Mutaqien, pada Sabtu, 08 April 2023, berlokasi di simbolis.
Kampung Wargaluyu, Desa Nagrak, Cianjur.
In celebration of Eid al-Fitr, the Company extended
The 5.6 magnitude earthquake that struck Cianjur, its benevolence to orphans, widows, and the
West Java in 2022 left a profound sense of sorrow surrounding community, and partners. A total of
among its inhabitants. Drawing from this event, 428 Eid gift packages, valued at Rp128 million,
the Company collaborated with Astra Insurance were symbolically distributed to the designated
to construct an Earthquake-Resilient Mosque for beneficiaries during the event.
Cianjur earthquake survivors, named Al-Mutaqien.
The inauguration took place on Saturday, April 8,
2023, at Wargaluyu Village, Nagrak District, Cianjur.
12 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 15
Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
20 April 2023 10 May 2023
Jelang Akhir Ramadan 2023, FIFGROUP FIFGROUP Gelar Kick-Off UMKM 2023,
Bagikan 16.640 Takjil di Seluruh Cabang Penyaluran Dana Bergulir Bagi 734 UMKM
di Indonesia Berkolaborasi dengan Yayasan Astra, Yayasan
As the End of Ramadan 2023 Approached, Non-Astra, dan Pemerintah
FIFGROUP Distributed 16,640 Iftar Meals FIFGROUP Hosted UMKM 2023 Kick-Off,
Across All Branches in Indonesia Disbursed Revolving Funds to 734 Collaborative
UMKM in Partnership with Astra Foundation,
Bulan Ramadan menjadi kesempatan bagi Non-Astra Foundation, and Government
masyarakat untuk saling berbagi kepada lingkungan
sekitar yang membutuhkan. Seperti yang dilakukan Usaha Mikro, Kecil, dan Menengah (UMKM)
oleh PT Federal International Finance (FIFGROUP) menjadi pilar utama yang berkontribusi besar dalam
yang merupakan bagian dari Astra Financial dan juga mendukung pertumbuhan ekonomi Indonesia. Sebesar
salah satu anak perusahaan PT Astra International 60,34% berkontribusi terhadap Produk Domestik
Tbk. Lewat program Corporate Social Responsibility Bruto (PDB) dan 97% terhadap angkatan kerja di
(CSR) Peduli, FIFGROUP membagikan 16.640 Indonesia. Untuk mendukung pertumbuhan UMKM
takjil tersebar di cabang-cabang seluruh Indonesia, Indonesia naik kelas, Perseroan melalui salah satu
termasuk di kantor pusat, dengan nilai lebih dari pilar Corporate Social Responsibility (CSR), yakni
Rp340 juta yang berasal dari Dana Sosial Syariah. Pilar FIFGROUP Sejahtera menyalurkan program
dana bergulir pada tahun 2023 kepada 734 UMKM
The month of Ramadan always presents an opportunity dengan total dana sebesar lebih dari Rp3 miliar.
for communities to engage in philanthropy towards
those in need within their environment. PT Federal
International Finance (FIFGROUP), a subsidiary Micro, Small, and Medium Enterprises (MSMEs)
of Astra Financial and a fundamental entity under stand as pivotal contributors to Indonesia’s economic
PT Astra International Tbk, exemplified this growth, accounting for a substantial 60.34% of the
through its Corporate Social Responsibility (CSR) Gross Domestic Product (GDP) and engaging 97%
initiative, Peduli. FIFGROUP distributed 16,640 of the country’s workforce. In support of advancing
iftar meals across branches nationwide, including Indonesia’s MSME sector, the Company, through one
its headquarters, with a total value exceeding Rp340 of its Corporate Social Responsibility (CSR) pillars,
million sourced from the Sharia Social Fund. namely the FIFGROUP Sejahtera Pillar, disbursed
revolving fund programs in 2023 to 734 MSMEs,
totaling more than Rp3 billion.
PT Federal International Finance | 2023 Sustainability Report 13
Page 16
Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
14 May 2023 19 May 2023
Anjungan MRT FIFGROUP 34 Tahun FIFGROUP Gelar Kegiatan Peduli Stunting
FIFGROUP Celebrates 34 Years at MRT Plaza pada Tahun 2023
FIFGROUP Hosted Stunting Care Initiative
Sebagai bagian dari rangkaian perayaan Hari Ulang in 2023
Tahun (HUT) Perseroan ke-34, program Anjungan
MRT hadir bagi masyarakat Jakarta meramaikan Perseroan berkomitmen untuk terus membantu
Stasiun MRT Bundaran Hotel Indonesia (HI) dengan masyarakat di seluruh Indonesia, salah satunya
menawarkan berbagai program promo menarik. dengan melaksanakan kegiatan program Corporate
Social Responsibility (CSR) berupa FIFGROUP
As part of the series of celebrations for the Company’s Peduli Tengkes (Stunting) yang menjadi salah
34th Anniversary, the MRT Plaza initiative graced satu kegiatan di dalam Pilar FIFGROUP Sehat. Ini
Jakarta’s public sphere, adding vibrancy to the MRT merupakan wujud dukungan Perseroan terhadap
Bundaran Hotel Indonesia (HI) Station by offering implementasi Environment, Social, and Governance
an array of enticing promotional programs for the (ESG) Goals yaitu Community Relations, dan
community. mendukung Sustainable Development Goals (SDGs)
ke-2 yaitu Zero Hunger, dan ke-4 yaitu Good Health
& Well Being.
The Company is committed to continuously assisting
communities across Indonesia, exemplified by the
implementation of Corporate Social Responsibility
(CSR) initiatives such as FIFGROUP Cares for
Stunting, a component of the FIFGROUP Health
Pillar. This underscores the company’s support for the
realization of Environment, Social, and Governance
(ESG) Goals, specifically Community Relations, and
its endorsement of Sustainable Development Goals
(SDGs) such as Zero Hunger (SDG 2) and Good
Health & Well-being (SDG 4).
14 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 17
Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
30 May 2023 1 June 2023
FIFGROUP Gandeng OJK Dorong Literasi dan Sebagai Rangkaian dari Hari Ulang Tahun
Inklusi Keuangan Melalui Pelatihan Guru (HUT) FIFGROUP ke-34, Perseroan
FIFGROUP Collaborated with FSA to Drive Menyelenggarakan Sebuah Festival Kuliner
Financial Literacy and Inclusion through Teacher In Commemoration of FIFGROUP’s 34th
Training Anniversary, the Company Orchestrated a
Culinary Festival
Perseroan turut berkomitmen dalam meningkatkan
kualitas pendidikan di Indonesia salah satunya Dalam rangka merayakan HUT FIFGROUP ke-34,
melalui program Corporate Social Responsibility Perseroan menyelenggarakan sebuah festival kuliner
(CSR) melalui salah satu program di dalam pilar dengan tajuk LOCALICIOUS yang menghadirkan
FIFGROUP Pintar yang berkolaborasi dengan berbagai UMKM Kuliner Legenda Indonesia.
Otoritas Jasa Keuangan (OJK), yaitu pelatihan guru.
In commemoration of FIFGROUP’s 34th anniversary,
The Company is committed to enhancing the quality the Company organized a culinary festival titled
of education in Indonesia, notably through its LOCALICIOUS, showcasing a variety of renowned
Corporate Social Responsibility (CSR) initiatives Indonesian culinary SMEs.
under the FIFGROUP Smart pillar, collaborating with
the Financial Services Authority (FSA), particularly
through the teacher training program.
PT Federal International Finance | 2023 Sustainability Report 15
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
14 June 2023 24 June 2023
FIFGROUP Gelar Ajang Penghargaan Aksi Tanam Mangrove, FIFGROUP
Keberlanjutan di Tingkat Internal Ajak Karyawan Peduli Pesisir
FIFGROUP Hosted Internal Sustainability Engaging in Mangrove Planting, FIFGROUP
Recognition Event Encouraged Employees to Care for Coastal
Areas and Beaches
Perseroan terus berkomitmen mendukung
implementasi Environment, Social, and Governance Sebagai bentuk dukungan Perseroan dalam
(ESG) dalam mendukung Sustainability, salah memberikan dampak positif kepada masyarakat dan
satunya melalui program FIFGROUP Sustainability komunitas melalui 3 Aspek Strategi Sustainability
Awards (FSA) dan FIFriendibility bertajuk Create (keberlanjutan), yaitu Portofolio, People dan Public
Action, Rescue Earth (CARE). Contribution, FIFGROUP terus berupaya hadir dalam
menjaga keberlangsungan lingkungan sekitar melalui
The Company remains steadfast in supporting kegiatan penanaman mangrove dan bersih pantai.
the implementation of Environment, Social, and
Governance (ESG) to bolster Sustainability efforts, As a demonstration of our commitment to fostering
exemplified by initiatives such as the FIFGROUP positive societal and community impact through our
Sustainability Awards (FSA) and FIFriendibility’s three pillars of Sustainability Strategy-Portfolio,
Create Action, Rescue Earth (CARE) program. People, and Public Contribution-FIFGROUP
remains steadfast in its endeavors to sustain local
environments by engaging in mangrove planting and
coastal clean-up initiatives.
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
30 June 2023 12 July 2023
Menggemakan Hari Raya Idul Adha: Buat Ambon Manise, Inilah Kepedulian Stunting
FIFGROUP Tebar Kurban 3 Sapi dan 399 & Penghijauan Bagimu
Kambing untuk Indonesia For Ambon Manise, Here is the Commitment to
Echoing the Spirit of Eid al-Adha, FIFGROUP Address Stunting & Greening for You
Generously Distributed 3 Cows and 399 Goats
Across Indonesia Perseroan berkolaborasi dengan Kesatuan Pangkalan
TNI Angkatan Udara (Lanud) Pattimura, Ambon
Dalam rangka merayakan Hari Raya Idul Adha dengan melakukan kegiatan FIFGROUP Peduli
1444 Hijriah, Perseroan menyalurkan hewan kurban Stunting dan Tanam Pohon 2023. Gelaran itu juga
kepada masyarakat sekitar wilayah kantor jaringan menjadi kegiatan dalam rangka Hari Bakti Tentara
FIFGROUP dengan total sebanyak 3 sapi dan 399 Nasional Indonesia (TNI) Angkatan Udara (AU) ke-
kambing. 76.
In celebration of Eid al-Adha 1444 Hijri, the Company The Company collaborated with the Air Force Base
distributed sacrificial animals to the communities Unity (Lanud) Pattimura, Ambon, conducting the
surrounding the FIFGROUP network office areas, FIFGROUP Care for Stunting and Tree Planting 2023
totaling 3 cattle and 399 goats. activities. This initiative also commemorated the 76th
Anniversary of the Indonesian National Air Force
(AU) in honor of National Military Service Day.
PT Federal International Finance | 2023 Sustainability Report 17
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
28 July 2023 31 July 2023
FIFGROUP Grebeg Pasar Hadirkan Berbagai Dorong Pengembangan Kualitas, Beasiswa
Keuntungan Bagi Masyarakat yang Ingin FIFGROUP Hadir bagi Mahasiswa se-Indonesia
Wujudkan Impian To Foster Quality Development, FIFGROUP
FIFGROUP’s Grebeg Pasar Presents Various Scholarships are Available for Students
Benefits For Individuals Aspiring to Realize Their Nationwide in Indonesia
Dreams
Melalui kolaborasi antra Human Capital Division dan
Sebagai salah satu perusahaan pembiayaan terbesar Corporate Social Responsibility (CSR), Perseroan
di Indonesia dan bagian dari anak perusahaan PT menghadirkan program penyaluran beasiswa secara
Astra International Tbk, Perseroan terus berupaya finansial dan pengembangan kompetensi untuk
menghadirkan sejumlah kegiatan yang memberikan mahasiswa/i melalui program FIFGROUP Young
kemudahan bagi masyarakat dalam mengakses Leader (FYL).
layanan pembiayaan untuk mewujudkan impiannya.
Pada tahun 2023, kegiatan ini diselenggarakan di tiga Through collaboration between the Human Capital
kota, yakni Tangerang, Bandung, dan Surabaya. Division and Corporate Social Responsibility (CSR),
the Company presents a scholarship distribution
As one of Indonesia’s leading financing companies program, providing financial aid and competency
and a subsidiary of PT Astra International Tbk, the development for students through the FIFGROUP
Company continually endeavors to introduce a variety Young Leader (FYL) program.
of initiatives aimed at facilitating public access to
financing services to realize their aspirations. In 2023,
these activities were held in three cities: Tangerang,
Bandung, and Surabaya.
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7 August 2023 15 August 2023
FIFGROUP Dukung Tim Pendampingan FIFGROUP Dukung Program Literasi Keuangan
Keluarga se-Kota Padang OJK Bagi Sahabat Disabilitas
FIFGROUP Supports the Family Mentoring FIFGROUP Supports FSA’s Financial Literacy
Team across the City of Padang Program for Friends with Disabilities
Perseroan berkolaborasi dengan Tim Pendampingan Bersama sejumlah pelaku usaha jasa keuangan
Keluarga (TPK) se-Kota Padang menyalurkan (PUJK) lain, Perseroan turut serta dalam kegiatan
bantuan total sebesar Rp300 juta untuk mendukung Edukasi Keuangan Bagi Penyandang Disabilitas
kegiatan berantas stunting atau tengkes di Kota bertajuk Menuju Masyarakat Indonesia Merdeka
Padang. Dukungan FIFGROUP kali ini juga menjadi Finansial yang digelar oleh Otoritas Jasa Keuangan
implementasi dari Pilar FIFGROUP Sehat di mana (OJK). Kegiatan yang diinisiasi oleh OJK tersebut
juga sejalan dengan misi perusahaan yaitu membawa dihadiri oleh lebih dari 300 peserta sahabat disabilitas
kehidupan yang lebih baik untuk masyarakat, dan yang hadir langsung di lokasi seminar, serta lebih dari
bentuk komitmen FIFGROUP dalam Environment, 1.000 peserta lainnya yang mengikuti secara dalam
Social, and Governance (ESG) Goals yaitu jaringan (daring).
Community Relations, serta mendukung Sustainable
Development Goals (SDGs) ke-2 yaitu Zero Hunger, Together with several other financial services
dan ke-3 yaitu Good Health & Well Being. providers, the Company participated in the Financial
Education for Persons with Disabilities event themed
The Company collaborates with the Family Assistance “Towards Financially Independent Indonesian
Team (TPK) throughout the city of Padang to distribute Society,” organized by the Financial Services
a total assistance of Rp300 million to support efforts Authority (FSA). Initiated by FSA, the event was
to combat stunting in Padang. This support from attended by over 300 disability advocates present
FIFGROUP also embodies the implementation at the seminar venue, along with more than 1,000
of FIFGROUP’s Health Pillar, aligning with the participants are joining remotely.
company’s mission to enhance societal well-
being. It underscores FIFGROUP’s commitment
to Environmental, Social, and Governance (ESG)
Goals, particularly in Community Relations, while
also advancing Sustainable Development Goals
(SDGs) 2 and 3, targeting Zero Hunger and Good
Health & Well-Being.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
23 August 2023 31 August 2023
FIFGROUP Turut Meriahkan Ulang Tahun FIFestival Street Food 2023, Sajikan Kuliner
Kota Makassar dan Semarang Melalui Program Nusantara UMKM Binaan FIFGROUP
FIFGROUP Jelajah Kota FIFestival Street Food 2023, Presenting the
FIFGROUP Adds Vibrancy to the Renovation Culinary Delights of Indonesian MSMEs
of Makassar and Semarang through the Fostered by FIFGROUP
FIFGROUP Urban Exploration Program
Dalam rangka mendukung pengembangan bisnis
Sebagai salah satu perusahaan pembiayaan terbesar para pelaku Usaha Mikro, Kecil, dan Menengah
di Indonesia dan bagian dari anak perusahaan PT (UMKM), FIFGROUP untuk pertama kalinya
Astra International Tbk, Perseroan turut mendukung menghadirkan salah satu program yang ditujukan
setiap kegiatan perayaan Ulang Tahun Kota Makassar untuk meningkatkan branding dan penjualan produk
dan Semarang melalui FIFGROUP Jelajah Kota yang UMKM binaannya, yaitu FIFestival. Program ini
melibatkan puluhan tenant kuliner, puluhan tenant menjadi bagian dari inisiatif FIFGROUP dalam
Usaha Mikro, Kecil dan Menengah (UMKM), dan mengimplementasikan aspek Environment, Social,
beragam hiburan menarik dari artis ibukota. and Governance (ESG) dan Sustainability khususnya
dalam mencapai tujuan Sustainability Development
As one of Indonesia’s leading financing companies Goals (SDGs) nomor 8 tentang Pekerjaan Layak dan
and a subsidiary of PT Astra International Tbk, Pertumbuhan Ekonomi.
the Company actively supports the anniversary
celebrations of Makassar and Semarang cities through In support of the business development of Micro,
FIFGROUP City Exploration, involving numerous Small, and Medium Enterprises (MSMEs),
culinary vendors, micro, small, and medium-sized FIFGROUP is introducing, for the first time, a
enterprises (MSMEs), and a diverse an array of program aimed at enhancing the branding and
captivating entertainment featuring the capital city sales of its partnered MSME products, namely
artists. FIFestival. This program constitutes a pivotal
element of FIFGROUP’s initiative to implement
the Environment, Social, and Governance (ESG)
aspects and Sustainability, particularly in attaining
the objectives of Sustainable Development Goals
(SDGs), specifically SDG 8, focused on Decent Work
and Economic Growth.
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ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
31 August 2023 12 September 2023
Dorong Pertumbuhan UMKM Indonesia, FIFGROUP Jalin Kolaborasi dengan MOXA,
FINATRA Dukung Rakernas XVIII HIPMI 2023 JNE Express, dan JNEI Hadirkan Layanan
Elevate the Growth of Indonesian MSMEs, Pembiayaan Inklusif Bagi Masyarakat
FINATRA Supports the 18th National Working FIFGROUP Forges Collaboration with MOXA,
Meeting of HIPMI 2023 JNE Express, and JNEI to Introduce Inclusive
Financing Services For The Community
Perseroan melalui salah satu brand services-nya,
yaitu FINATRA turut mendukung pertumbuhan dan PT Astra Kreasi Digital (Moxa) dan PT Federal
pengembangan Usaha Mikro, Kecil, dan Menengah International Finance (FIFGROUP) yang merupakan
(UMKM) dengan turut aktif sebagai salah satu partner bagian dari Astra Financial, bersinergi dengan PT
sponsor dalam acara Rakernas XVIII HIPMI 2023. Tiki Jalur Nugraha Ekakurir (JNE Express) dan JNEI
PTE. LTD (JNEI) dalam upaya peningkatan inklusi
Through one of its service brands, FINATRA, keuangan masyarakat. Melalui kolaborasi ini layanan
the Company actively supports the growth and pembiayaan dari Perseroan yang ada dalam aplikasi
development of Micro, Small, and Medium Moxa akan hadir di sales counter JNE yang berada di
Enterprises (MSMEs) by participating as a key area Jabodetabek dan Bandung.
sponsor partner at the XVIII HIPMI National
Working Meeting in 2023. PT Astra Kreasi Digital (Moxa) and PT Federal
International Finance (FIFGROUP), subsidiaries
of Astra Financial, synergizes with PT Tiki Jalur
Nugraha Ekakurir (JNE Express) and JNEI PTE.
LTD (JNEI) to enhance financial inclusion efforts
within the community. Through this collaboration,
the financing services offered by the Company
through the Moxa the application will be available
at JNE sales counters situated across the Jabodetabek
and Bandung areas.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
15 September 2023 21 September 2023
Talk Show Literasi Keuangan FIFGROUP: FIFGROUP Hadir Dukung Perkembangan
OJK Apresiasi Langkah untuk Optimalkan Kendaraan Listrik dengan Hadir pada Kegiatan
Pembiayaan Dengan Cerdas dan Bijak Indonesia Electric Motor Show 2023
The Financial Literacy Talk Show by FIFGROUP Supported the Advancement of
FIFGROUP: FSA Commends Strategic Steps Electric Vehicles by Participating in the Indonesia
to Optimize Financing with Prudence and Electric Motor Show 2023
Intelligence
Dukungan terhadap percepatan pengembangan
Berdasarkan Peraturan Otoritas Jasa Keuangan dan penggunaan kendaraan listrik di Indonesia
(POJK) Nomor 3 Tahun 2023 tentang Peningkatan kian marak seiring dengan dorongan global dalam
Literasi dan Inklusi Keuangan di Sektor Jasa melawan perubahan iklim yang sedang terjadi.
Keuangan Bagi Konsumen dan Masyarakat, setiap Salah satu bentuk dukungan nyata tercermin dalam
Pelaku Usaha Jasa Keuangan (PUJK) memiliki kegiatan Indonesia Electrical Motor Show (IEMS)
kewajiban dalam menyelenggarakan berbagi program yang diselenggarakan bersamaan dengan Indonesia
literasi dan inklusi keuangan. Berkenaan dengan Reasearch and Innovation Expo (InaRI Expo) di
itu, Perseroan berinisiatif dalam menyelenggarakan Islamic Cultural Center (ICC) Building Badan
sebuah Talkshow Literasi Keuangan Bertajuk Literasi Riset dan Inovasi Nasional (BRIN), Kawasan Sains
Keuangan, Optimalkan Pembiayaan Dengan Cerdas Teknologi (KST) Soekarno, Cibinong, Bogor pada
dan Bijak dengan berkolaborasi bersama OJK dan 20-23 September 2023.
Badan Perlindungan Konsumen Nasional (BPKN).
Support for accelerating the development and adoption
By the Financial Services Authority Regulation of electric vehicles in Indonesia is increasingly
(POJK) Number 3 of 2023 concerning the evident, aligned with the global impetus to combat
Enhancement of Financial Literacy and Inclusion ongoing climate change. A tangible manifestation of
in the Financial Services Sector for Consumers and this support is reflected in the Indonesia Electrical
Society, every Financial Services Business Entity Motor Show (IEMS), held concurrently with the
(FSBE) is obliged to conduct various financial Indonesia Research and Innovation Expo (InaRI
literacy and inclusion programs. In line with this, Expo) at the Islamic Cultural Center (ICC) Building
the Company has taken the initiative to organize a of the National Research and Innovation Agency
Financial Literacy Talk Show themed “Financial (BRIN), Soekarno Science and Technology Area
Literacy: Optimizing Financing Strategically and (KST) in Cibinong, Bogor, from September 20th to
Prudently,” in collaboration with the Financial 23rd, 2023.
Services Authority (FSA) and the National Consumer
Protection Agency (BPKN).
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21 September 2023 27 September 2023
Tingkatkan Pelayanan, FIFGROUP Resmikan Majukan UMKM Indonesia, FIFGROUP
Operasional Kantor Cabang Batam 2 Hadirkan Program Sahabat FINATRA
Enhancing Services, FIFGROUP Officially Elevate Indonesia’s SME Sector, FIFGROUP
Inaugurated the Operational Branch Office of Introduced Sahabat FINATRA Program
Batam 2
Perseroan melalui salah satu brand services-nya,
Dalam memberikan pelayanan terbaiknya bagi yaitu FINATRA terus berupaya hadir bagi UMKM
customer, Perseroan mengedepan nilai MUDAH Indonesia dengan berbagai program yang diharapkan
(Melayani, Unggul, Dekat, Aktif, Hasil) yang dapat memberikan dampak positif pada pertumbuhan
menjadi tagline pelayanan optimal untuk customer. UMKM. Sahabat FINATRA yang menjadi salah satu
Salah satu upaya yang Perseroan lakukan adalah program unggulan Perseroan melalui FINATRA
dengan melakukan pembukaan sejumlah layanan menghadirkan berbagai rangkaian kegiatan
kantor cabang baru, di antaranya Cabang Batam 2 pengembangan dan pelatihan bagi UMKM.
dan Cabang Palembang 3.
Through one of its service brands, FINATRA,
In delivering optimal service to our customers, the the Company persistently endeavors to cater to
Company prioritizes the value of MUDAH (Melayani, Indonesian SMEs with diverse programs aimed at
Unggul, Dekat, Aktif, Hasil) as the hallmark of fostering positive impacts on SME growth. As part
optimal service provision. One of the initiatives of the flagship program, FINATRA extends an array
undertaken by the Company is the establishment of developmental activities and training sessions
of several new branch offices, including Batam 2 tailored for SMEs.
Branch and Palembang 3 Branch.
PT Federal International Finance | 2023 Sustainability Report 23
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
4 October 2023 17 October 2023
FIFGROUP Raih Top SDGs Award 2023 Dorong Kompetensi UMKM Unggul Melalui
FIFGROUP Achieved the Top SDGs Award 2023 Development Journey, FIFGROUP Gelar Kick
Off FIFpreneur 2023
Top SDGs Award 2023 merupakan sebuah Elevate SMEs’ Competence Excellence through
penghargaan yang dianugerahkan kepada perusahaan- the Development Journey, FIFGROUP Hosted
perusahaan di Indonesia yang berhasil menjalankan the Kick Off of FIFpreneur 2023
program social development dalam strategi bisnisnya.
Atas keberhasilan Perseroan dalam menghadirkan Perseroan berkomitmen untuk terus mendorong
upaya penerapan keberlanjutan, FIFGROUP berhasil kompetensi dari UMKM binaan melalui program
raih Top SDGs Award 2023. UMKM Development Journey 2023, yang
bertujuan untuk memberikan pembekalan dan
The Top SDGs Award 2023 is bestowed upon menambah wawasan dalam bentuk workshop.
companies in Indonesia demonstrating successful UMKM Development Journey sendiri merupakan
integration of social development programs into rangkaian program pengembangan yang dibangun
their business strategies. Recognizing the Company’s oleh FIFGROUP bagi pelaku UMKM binaan, yang
achievements in advancing sustainability initiatives, bertujuan untuk menciptakan inovasi berkelanjutan
FIFGROUP has achieved the Top SDGs Award 2023. sebagai nilai tambah dan perluasan pasar UMKM
agar UMKM binaan bisa naik kelas. Salah satu
bagian dari rangkaian UKMM Development Journey
tersebut, FIFGROUP menyelenggarakan Kick Off
FIFpreneur 2023 pada Selasa, 17 Oktober 2023
secara hybrid, sebagai bentuk dukungan perusahaan
akan pengembangan kompetensi bagi 5 UMKM
binaan FIFGROUP yang lolos.
The Company is committed to continually enhancing
the competencies of its supported MSMEs through
the UMKM Development Journey 2023 program,
aimed at providing training and expanding insights
through workshops. UMKM Development Journey
is a series of development programs designed by
FIFGROUP for MSME beneficiaries, with the goal
of fostering sustainable innovation as added value
and expanding market reach to elevate the status of
supported MSMEs. As part of this series, FIFGROUP
hosted the Kick Off FIFpreneur 2023 on Tuesday,
October 17, 2023, in a hybrid format, demonstrating
the company’s support for the competency
development of the five selected MSME beneficiaries
of FIFGROUP.
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18 October 2023 29 October 2023
FIFGROUP Kembali Jadi Sponsor Platinum di Peduli Adik-Adik Pejuang Sembuh, FIFGROUP
Ajang Pameran Sepeda Motor IMOS+ 2023 Salurkan Bantuan ke Rumah Singgah Sahabat
FIFGROUP Reinstated its Position As A Platinum Nusantara
Sponsor for the IMOS+ 2023 Motorcycle In support of the Young Healing Warriors
Exhibition Initiative, FIFGROUP Delivered Assistance To
The Sahabat Nusantara Shelter Home
PT Federal International Finance (FIFGROUP) yang
merupakan anak perusahaan PT Astra International Rumah Singgah menjadi sebuah tempat yang
Tbk dan bagian dari Astra Financial kembali hadir sangat berarti bagi ‘Adik-Adik Pejuang Sembuh’
mendukung industri otomotif khususnya segmen roda yang sedang menunggu waktu untuk mendapatkan
dua dengan menjadi Platinum Sponsor untuk ketiga tindakan medis. Lebih dari itu, peran rumah singgah
kalinya di Indonesia Motorcycle Show (IMOS)+ juga sangat besar untuk Adik-Adik Pejuang Sembuh
2023. Gelaran tersebut akan diselenggarakan di Hall seperti memberikan bantuan akomodasi dan
10, Indonesian Convention Exhibition (ICE) BSD transportasi bagi “Adik-Adik Pejuang Sembuh” yang
City, Kabupaten Tangerang, Banten, pada tanggal 25- memiliki rumah jauh dengan rumah sakit, melengkapi
29 Oktober 2023. kebutuhan psikologis, memberikan pendampingan
khusus yang didukung dengan bantuan dari 38
PT Federal International Finance (FIFGROUP), relawan setiap hari Senin hingga Jumat, hingga
a subsidiary of PT Astra International Tbk and a menyalurkan bantuan donasi.
member of Astra Financial, reaffirms its support
for the automotive industry, particularly the two- The Shelter House serves as a profoundly significant
wheeler segment, by once again assuming the role space for the ‘Young Healing Warriors’ awaiting
of Platinum Sponsor for the third consecutive time at medical procedures. Beyond that, its role extends to
the Indonesia Motorcycle Show (IMOS)+ 2023. The provide accommodation and transportation assistance
event is scheduled to take place at Hall 10, Indonesian for those with distant residences from the hospital,
Convention Exhibition (ICE) BSD City, Tangerang addressing psychological needs, offering specialized
Regency, Banten, from October 25 to October 29, companionship supported by 38 volunteers every
2023. Monday through Friday, and facilitating the
distribution of donations.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
4 November 2023 13 November 2023
Kampanye FIFGROUP #SatuNAFAS Dukung FIFGROUP Serahkan Bantuan bagi Enam
Program, Keberlanjutan di Pulau Pari, Rumah Ibadah dari Lima Agama di Kota Batam
Kepulauan Seribu FIFGROUP Delivered Assistance To Six Places of
The FIFGROUP #OneBREATH Campaign Worship Representing Five Religions In The City
Supports Sustainability Initiatives on Pari Island, of Batam
Kepulauan Seribu.
Bertepatan dengan rangkaian penyelenggaraan Rapat
Sebagai wujud komitmen FIFGROUP dalam Pimpinan (Rapim) 2024 di Kota Batam, Kepulauan
mengurangi pencemaran udara dan lingkungan serta Riau, PT Federal International Finance (FIFGROUP)
berkontribusi terhadap dampak perubahan iklim, yang merupakan salah satu anak perusahaan PT Astra
FIFGROUP memilih Pulau Pari sebagai bagian International Tbk dan bagian dari Astra Financial
dari kelanjutan misi penanaman pohon mangrove. menyerahkan bantuan sosial keagamaan sebagai salah
Sebanyak 2.326 bibit pohon mangrove ditanam di satu wujud ucapan syukur atas pencapaian yang telah
pulau itu dalan rangkaian pencapaian kampanye diraih di tahun 2023 yang tidak lepas dari dukungan
#SatuNAFAS (Nolkan Asap Fokuskan Aksi dan kerja sama yang telah diberikan oleh masyarakat
Sustainabilitas) yang telah digelar Perseroan. kepada perseroan. Kegiatan tersebut menjadi salah
satu bentuk komitmen FIFGROUP untuk turut serta
As a testament to FIFGROUP’s commitment to dalam upaya meningkatkan kesejahteraan masyarakat
mitigating air and environmental pollution while yang tercermin melalui program FIFGROUP Peduli.
contributing to the impact of climate change,
FIFGROUP has selected Pulau Pari as part of its Coinciding with the convening of the 2024 Leadership
ongoing mangrove tree planting mission. A total of Meeting (Rapim) in Batam City, Riau Islands, PT
2,326 mangrove tree seedlings have been planted Federal International Finance (FIFGROUP), a
on the island as part of the #SatuNAFAS (Nolkan subsidiary of PT Astra International Tbk and part of
Asap Fokuskan Aksi Sustainabilitas), a campaign Astra Financial, extends religious social assistance
organized by the Company. as an expression of gratitude for the achievements
attained in 2023, which are inseparable from the
support and collaboration provided by the community
to the company. This initiative exemplifies
FIFGROUP’s commitment to actively contribute to
enhancing societal well-being, as reflected through
the FIFGROUP Cares program.
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21 November 2023 30 November 2023
FIFGROUP Borong Delapan Penghargaan di FIFGROUP Raih 3 Kategori Penghargaan
Ajang “Sustainability Initiatives & Warrior 2023” Bergengsi pada Human Capital & Performance
FIFGROUP Achieved Eight Awards at the Award 2023
“Sustainability Initiatives & Warrior 2023” Event. FIFGROUP Achieved 3 Prestigious Awards
Categories at the Human Capital & Performance
PT Federal International Finance (FIFGROUP), Award 2023
salah satu perusahaan pembiayaan (multifinance) di
Indonesia, memborong delapan penghargaan dari PT Federal International Finance (FIFGROUP),
gelaran Indonesia’s Best Corporate Sustainability salah satu perusahaan pembiayaan (multifinance)
Initiatives & Warrior 2023 yang diselenggarakan di Indonesia, berhasil meraih 3 (tiga) penghargaan
oleh Majalah MIX Marcomm (SWA Media Group). sekaligus dalam gelaran Human Capital &
Penghargaan itu diserahterimakan di Auditorium Performance Award 2023 yang diselenggarakan oleh
& Performance Hall Prof. Dr. Djayusman, LSPR Business News Indonesia. Melalui tema “Strategic
Institute of Communication & Business, pada Selasa, Integration of Digital Technology & AI in HR
21 November 2023. Operations: Enhancing Human Capital Management
Through Data-Driven Insights”.
PT Federal International Finance (FIFGROUP),
a prominent Indonesian multifinance corporation, PT Federal International Finance (FIFGROUP), a
achieved eight accolades at Indonesia’s Best leading multifinance company in Indonesia, achieved
Corporate Sustainability Initiatives & Warrior 2023 three accolades concurrently at the 2023 Human
event, hosted by MIX Marcomm Magazine (SWA Capital & Performance Award hosted by Business
Media Group). The awards were presented at the News Indonesia. Under the theme “Strategic
Prof. Dr. Djayusman Auditorium & Performance Integration of Digital Technology & AI in HR
Hall, LSPR Institute of Communication & Business, Operations: Elevating Human Capital Management
on Tuesday, November 21, 2023. Through Data-Driven Insights,” the company
demonstrated its prowess in leveraging advanced
technologies to optimize HR operations and enhance
overall human capital management.
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
2 December 2023 9 December 2023
Wujudkan UMKM Naik Kelas: FINATRA Dedikasi Bangun Lingkungan Kerja yang
Dukung Program Inkubasi Kominfo Inklusif, FIFGROUP Raih Apresiasi dari
Elevate MSMEs: FINATRA Supports Kominfo’s Kementerian Sosial
Incubation Program Dedicated to Fostering an Inclusive Work
Environment, FIFGROUP Achieved Recognition
Sebagai tonggak perekonomian negara, Usaha Mikro, from the Ministry of Social Affairs
Kecil, dan Menengah (UMKM) telah memberikan
kontribusi besar bagi pertumbuhan ekonomi Salah satu fokus Pemerintah Republik Indonesia (RI)
Nasional. Berdasarkan data Kementerian Koordinator dalam membangun lingkungan kerja yang inklusif
Bidang Perekonomian, UMKM memberikan adalah dengan meningkatkan program rekrutmen
kontribusi sebesar 61% terhadap pencapaian Produk terhadap pegawai penyandang disabilitas. PT Federal
Domestik Bruto (PDB) dan terhadap penyerapan International Finance (FIFGROUP) turut menunjukkan
tenaga kerja yang mencapai 96,9% hingga Agustus komitmennya dalam mewujudkan inklusivitas melalui
2023. Menyadari pentingnya pengambangan salah satu program unggulan, yakni FIFriendibility.
UMKM tersebut, PT Federal International Finance Atas komitmennya tersebut, FIFGROUP berhasil
(FIFGROUP) melalui FINATRA berkomitmen menjadi salah satu dari 25 perusahaan yang terpilih
mendukung pengembangan UMKM melalui Program untuk menerima apresiasi melalui kegiatan Pahlawan
Adopsi Teknologi 4.0 dan Inkubasi Bisnis Digital Ekonomi Nusantara (PENA) yang diselenggarakan
yang diselenggarakan oleh Kementerian Komunikasi oleh Kementerian Sosial Republik Indonesia. Apresiasi
dan Informatika (Kominfo). diberikan oleh Menteri Sosial Republik Indonesia, Tri
Rismaharini, yang dilakukan pada Sabtu, 9 Desember
As a cornerstone of the nation’s economy, Micro, 2023 di Gedung Aneka Bhakti Kemensos, Salemba,
Small, and Medium Enterprises (MSMEs) have Jakarta.
significantly contributed to the National economic
growth. According to data from the Coordinating One of the focal points of the Government of the
Ministry for Economic Affairs, MSMEs have Republic of Indonesia (RI) in cultivating an the
accounted for 61% of the Gross Domestic Product inclusive work environment is to enhance recruitment
(GDP) and have absorbed 96.9% of the workforce programs for employees with disabilities. PT Federal
as of August 2023. Recognizing the importance of International Finance (FIFGROUP) has demonstrated
fostering MSMEs, PT Federal International Finance its commitment to realizing inclusivity through one of
(FIFGROUP) through FINATRA is committed its flagship program, namely FIFriendibility. For this
to supporting MSME development through the commitment, FIFGROUP has successfully emerged as
Technology Adoption 4.0 Program and Digital one of the 25 selected companies to receive recognition
Business Incubation organized by the Ministry of through the Economic Heroes of the Archipelago
Communication and Informatics (Kominfo). (PENA) event organized by the Ministry of Social
Affairs of the Republic of Indonesia. The accolade
was presented by the Minister of Social Affairs of
the Republic of Indonesia, Tri Rismaharini, during a
ceremony held on Saturday, December 9, 2023 at the
Aneka Bhakti Building, Ministry of Social Affairs,
Salemba, Jakarta.
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
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ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
PENJELASAN
PRESIDEN DIREKTUR
MESSAGE FROM THE PRESIDENT DIRECTOR
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
MARGONO
TANUWIJAYA
Presiden Direktur
President Director
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ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
PENJELASAN DIREKSI [D.1][2-22]
MESSAGE FROM THE BOARD OF DIRECTORS
FIFGROUP bersemangat untuk berlari, meningkatkan kolaborasi, dan dengan optimis berupaya
memberikan dampak positif kepada bisnis, masyarakat, dan bumi untuk mewujudkan perusahaan yang
kompeten dan berkelanjutan, serta tangguh di masa depan.
FIFGROUP is excited to run, increase collaboration, and optimistically strive to have a positive impact
on business, society, and the earth to realize a competent and sustainable company, and to be resilient
in the future.
Pemangku kepentingan yang terhormat, Honorable Stakeholders,
Selama tahun 2023, dunia usaha terus menghadapi In 2023, businesses continued to face global challenges
berbagai tantangan global di tengah ketidakpastian amid economic uncertainty, climate change, and
ekonomi, perubahan iklim, dan gejolak geopolitik. geopolitical turmoil. These challenges can potentially
Tantangan tersebut berpotensi memengaruhi perusahaan, impact companies, including financial companies, mainly
termasuk perusahaan keuangan, terutama dengan through increased credit risk and demands for sustainable
meningkatnya risiko kredit serta adanya tuntutan untuk financing and investment practices.
praktik pembiayaan dan investasi yang berkelanjutan.
Kebijakan Merespons Tantangan [D.1.a] Policies in Responding to Challenges [D.1.a]
Berbagai tantangan akibat tingginya perubahan dan Various challenges due to high changes and global
fenomena global perlu ditanggapi dengan cepat dan phenomena need to be responded with speed and flexibility.
fleksibel. FIFGROUP merespons tantangan ini dengan FIFGROUP responds to these challenges by developing
mengembangkan fitur dan skema produk sesuai kebutuhan product features and schemes according to customer needs,
pelanggan, mengoptimalkan seluruh lini bisnis untuk optimizing all business lines to maintain portfolio growth,
menjaga pertumbuhan portofolio, serta memperkuat and strengthening collaboration with all stakeholders. In
kolaborasi bersama seluruh pemangku kepentingan. providing financing, FIFGROUP also pays attention to
Dalam memberikan pembiayaan, FIFGROUP juga turut environmental, social, and governance (ESG) aspects to
memperhatikan aspek lingkungan, sosial, dan tata kelola implement sustainable finance principles.
(LST) untuk menerapkan prinsip keuangan berkelanjutan.
Kami percaya dengan mengintegrasikan aspek We believe that by integrating sustainability aspects
keberlanjutan di seluruh lini usaha, Perseroan dapat across all lines of business, the Company can contribute
berkontribusi pada pertumbuhan yang berkelanjutan to sustainable growth for the future. To strengthen the
untuk masa depan. Untuk memperkuat komitmen dalam commitment to implementing sustainability in the company,
menerapkan keberlanjutan di perusahaan, pada tahun in 2023, the Company developed FIFGROUP 2030
2023, Perseroan mengembangkan FIFGROUP 2030 Sustainability Aspirations Framework & Initiatives through
Sustainability Aspirations Framework & Initiatives a triple-P strategy, namely portfolio, people, and public
melalui triple-P strategy yaitu portfolio, people dan public contribution, and implement good corporate governance.
contribution, serta menerapkan good corporate governance. The sustainability strategy aligns with the Sustainable
Strategi keberlanjutan ini sejalan dengan Rencana Aksi Finance Action Plan (RAKB), a guideline for implementing
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Keuangan Berkelanjutan (RAKB) yang menjadi pedoman sustainable finance. In addition, FIFGROUP has also
dalam implementasi keuangan berkelanjutan. Selain itu, established an EHSSR & Sustainability Management
FIFGROUP juga telah membentuk Departemen EHSSR Department that is responsible for the implementation of
& Sustainability Management yang bertanggung jawab sustainability policies and starstrategies.
atas penerapan kebijakan dan strategi keberlanjutan.
FIFGROUP akan terus meningkatkan inisiatif keberlanjutan, FIFGROUP will continue to improve sustainability
seperti penerapan bisnis yang etis dan bertanggung jawab, initiatives, including implementing ethical and responsible
pengelolaan kredit yang baik, pengembangan kompetensi business, proper credit management, competency
seluruh karyawan melalui pelatihan dan pendidikan, serta development of all employees through training and
menjaga keamanan data dan privasi pelanggan. Melalui education, and maintaining data security and customer
nilai-nilai dan inisiatif keberlanjutan ini, kami berharap privacy. We hope to keep all customers’ trust through these
dapat mempertahankan kepercayaan seluruh pelanggan. sustainability initiatives and values.
Pencapaian Kinerja Sustainability Performance
Keberlanjutan [D.1.b] Achievements [D.1.b]
Perseroan mendukung transisi menuju ekonomi hijau The Company supports the transition to a green economy
melalui pembiayaan pada kegiatan usaha berkelanjutan by financing sustainable business activities (KUB). In
(KUB). Pada tahun 2023, pembiayaan KUB meningkat 2023, KUB Financing increase by 252% compared to 2022.
sebesar 252% dibandingkan tahun 2022. FIFGROUP juga FIFGROUP also posted positive growth with an increase
membukukan pertumbuhan positif dengan meningkatnya in revenue of Rp10,416,484 million or 16.21% from the
pendapatan sebesar Rp10.416.484 juta atau 16,21% previous year. Going forward, we will continue to improve
dari tahun sebelumnya. Ke depan, kami akan terus ESG-oriented credit portfolio management and strengthen
meningkatkan pengelolaan portofolio kredit dengan collaboration to realize sustainable business excellence.
berwawasan LST dan memperkuat kolaborasi untuk
mewujudkan sustainable business excellence.
Melalui pertumbuhan pembiayaan yang positif, Through positive financing growth, FIFGROUP can
FIFGROUP dapat memberikan kontribusi yang signifikan contribute significantly to society and the environment. The
bagi masyarakat dan lingkungan. Perseroan mengambil Company took proactive steps in mitigating climate change
langkah proaktif dalam memitigasi perubahan iklim dengan by imrpoving energy efficiency through the installation
meningkatkan efisiensi energi melalui pemasangan panel of solar panels with a capacity of 10.8 kWp in 18 branch
surya berkapasitas 10,8 kWp di 18 kantor cabang sehingga offices, reducing GHG emissions by 144 tonsCO2eq..
mampu mereduksi emisi GRK sebesar 144 tonCO2eq.. In addition, to reduce GHG emissions, FIFGROUP also
Selain itu, untuk mengurangi emisi GRK, FIFGROUP juga actively planted 3,400 mangrove seedlings in Langsa City,
aktif melakukan penanaman mangrove sebanyak 3.400 Pantai Indah Kapuk, Benoa Bali, Aceh, and Pari Island,
bibit di kawasan Kota Langsa, Pantai Indah Kapuk, Benoa Kepulauan Seribu.
Bali, Aceh, dan Pulau Pari, Kepulauan Seribu.
Adapun kontribusi FIFGROUP kepada masyarakat FIFGROUP’s contribution to the community is carried
dilakukan dengan implementasi program tanggung jawab out with the implementation of environmental social
sosial lingkungan (TJSL). Sepanjang tahun 2023, Perseroan responsibility (CSR) programs. Throughout 2023, the
juga membantu menurunkan prevalensi stunting melalui Company also helped reduce the prevalence of stunting
FIFGROUP Sehat pada program Peduli Stunting yang through FIFGROUP Sehat in the Peduli Stunting program
menjangkau 400 penerima manfaat. Dengan FIFGROUP that reached 400 beneficiaries. With FIFGROUP Pintar, we
Pintar, kami meningkatkan literasi keuangan bagi 2.517 improve financial literacy for 2,517 beneficiaries through
penerima manfaat melalui program Jam Sosial Mengajar dan Jam Sosial Mengajar program and 1,200 participants
1.200 peserta melalui Monthly Business Clinic (MOBIC), through Monthly Business Clinic (MOBIC), including
termasuk edukasi keuangan bagi penyandang disabilitas financial education for people with disabilities as many
sebanyak 300 peserta sahabat disabilitas dan lebih dari as 300 participants with disabilities and more than 1,000
1.000 peserta secara daring. FIFGROUP pun berkontribusi participants online. FIFGROUP also contributes to
mengembangkan UMKM melalui FIFGROUP Sejahtera developing MSMEs through FIFGROUP Sejahtera by
dengan memberikan pembiayaan dan pelatihan kepada providing financing and training to 734 MSMEs and
734 UMKM dan membantu mereka untuk meningkatkan helping them to increase their income. Meanwhile, through
pendapatan. Sementara, melalui FIFGROUP Lestari, FIFGROUP Lestari, the Company conducts tree planting
Perseroan melakukan kegiatan penanaman pohon di 67 titik activities at 67 points with a total of 36,720 trees planted.
dengan total pohon yang ditanam sebanyak 36.720 pohon.
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Selain lingkungan dan masyarakat, Perseroan turut In addition to the environment and society, the Company
berupaya mewujudkan lingkungan kerja yang inklusif also strives to realize an inclusive work environment by
dengan memberikan kesempatan yang sama kepada seluruh providing equal opportunities for all employees to improve
karyawan untuk meningkatkan kompetensinya. Sepanjang their competence. Throughout the year 2023, the total
tahun 2023, total jam pelatihan karyawan mencapai employee training hours reached 213,628 hours with an
213.628 jam dengan rata-rata-rata jam pelatihan mencapai average training hours per employee of 14.10 hours. In 2023,
14,10 jam per karyawan. Pada tahun 2023, FIFGROUP juga FIFGROUP also implemented FIFriendibility program
menjalankan program FIFriendibility melalui rekrutmen through recruitment for employees with disabilities,
untuk karyawan disabilitas, memberikan pengembangan provided competency development and involved them in
kompetensi dan melibatkan mereka pada kegiatan all Company activities. With this initiative, FIFGROUP
Perseroan. Dengan inisiatif ini, FIFGROUP mendapatkan received an award from the Ministry of Social Affairs of
penghargaan dari Kementerian Sosial RI dan Pemerintah the Republic of Indonesia and the government of Padang
Kota Padang & Kota Solok, sebagai perusahaan penyedia City & Solok City, as a company providing employment for
lapangan pekerjaan bagi penyandang disabilitas. people with disabilities.
Perseroan juga mengelola kinerja sosial yang mencakup The Company also manages social responsibility
perlindungan data dan privasi pelanggan dengan performance that includes data protection and customer
menerapkan sistem TI dan keamanan transaksi sesuai privacy by implementing IT systems and transaction
ISO 27001:2013. Upaya ini dilakukan untuk menjaga security in accordance with ISO 27001: 2013. This effort
keamanan dan kepercayaan para pelanggan dalam is made to maintain the security and trust of customers in
melakukan transaksi. FIFGROUP juga terus berinovasi conducting transactions. FIFGROUP also continues to
mengembangkan ekosistem digital yang handal melalui innovate in developing a reliable digital ecosystem through
layanan konsumen berbasis AI yaitu FIONA yang menjadi AI-based consumer services, namely FIONA, which is a
saluran layanan tambahan 24 jam. Di samping itu, kami 24-hour additional service channel. In addition, we present
menghadirkan FIFGROUP Mobile Customer (FMC) FIFGROUP Mobile Customer (FMC) to create an easier,
untuk menciptakan pengalaman pembiayaan yang lebih safer, and more profitable financing experience. Through
mudah, aman, dan menguntungkan. Melalui upaya-upaya these efforts, the level of customer satisfaction in 2023
ini tingkat kepuasan pelanggan di tahun 2023 mencapai reached 4.91 or very satisfactory.
4,91 atau sangat memuaskan.
Strategi Pencapaian Target [D.1.c] Strategy to Achieve Target [D.1.c]
FIFGROUP telah memetakan risiko keberlanjutan dan FIFGROUP has mapped sustainability risks and their
mitigasinya guna mengelola dampak serta meningkatkan mitigation to manage the impact and improve the Company’s
strategi Perseroan dalam mencapai tujuan. Dalam strategy in achieving its goals. In its implementation,
penerapannya, Perseroan memastikan bahwa penerapan the Company ensures that the implementation of risk
manajemen risiko telah terintegrasi ke dalam proses management has been integrated into business processes
bisnis secara komprehensif. Perseroan juga melakukan comprehensively. The Company also supervises and
pengawasan dan meninjau hasil manajemen risiko guna reviews risk management results to ensure continuous and
memastikan adanya perbaikan yang dilakukan secara targeted improvement.
berkelanjutan dan tepat sasaran.
Selain pemetaan risiko, Perseroan telah memetakan In addition to risk mapping, the Company has mapped
peluang dan prospek usaha. Proyeksi industri pembiayaan business opportunities and prospects. According to the
menurut Asosiasi Perusahaan Pembiayaan Indonesia Indonesian Finance Companies Association (APPI), the
(APPI) akan tumbuh hingga 11%-13% di tahun 2024, financing industry projection will grow up to 11%-13% in
bahkan optimis pertumbuhan ini akan terus berlanjut 2024, even optimistic that this growth will continue in the
pada tahun-tahun mendatang. Pertumbuhan ini diperkuat coming years. This growth is reinforced by the road map for
dengan adanya peta jalan pengembangan dan penguatan the development and strengthening of finance companies
perusahaan pembiayaan 2024-2028 dari Otoritas Jasa 2024-2028 from the Financial Services Authority (FSA).
Keuangan (OJK). Peta jalan ini diluncurkan untuk This roadmap was launched to realize a financing company
mewujudkan industri perusahaan pembiayaan yang industry that is healthy, strong, with integrity, inclusive, and
sehat, kuat, berintegritas, inklusif, dan adaptif terhadap adaptive to technological developments, and contributes to
perkembangan teknologi, serta berkontribusi pada sustainable economic growth.
pertumbuhan ekonomi yang berkelanjutan.
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Untuk mengoptimalkan peluang dan prospek tersebut, To optimize these opportunities and prospects, FIFGROUP
FIFGROUP akan meningkatkan portofolio bisnis melalui will improve its business portfolio through closer
kolaborasi yang lebih erat, baik dalam digitalisasi maupun collaboration, both in digitalization and non-digitalization
non-digitalisasi di dalam ekosistem. Kolaborasi ini akan within the ecosystem. This collaboration will increase
meningkatkan nilai tambah, optimisme, dan kepercayaan added value, optimism, and confidence in presenting
diri dalam menghadirkan produk layanan yang unggul, superior service products that create customer loyalty. In
sehingga menciptakan loyalitas pelanggan yang lebih addition, the Company will accelerate the penetration of
tinggi. Selain itu, Perseroan akan mempercepat penetrasi microfinance and ceiling-based customers across business
pembiayaan mikro dan optimalisasi plafond based lines.
customer lintas lini bisnis.
Kami juga berkontribusi dalam menurunkan emisi We also contribute to reducing greenhouse gas emissions,
gas rumah kaca, meningkatkan bauran energi baru increasing the mix of renewable energy, water and waste
terbarukan, pengelolaan air dan limbah padat. Kontribusi management. Although not yet significant, this contribution
ini, walaupun belum signifikan, menjadi komitmen kami is our commitment to implementing sustainable finance. In
dalam mengimplementasikan keuangan berkelanjutan. addition, to increase the positive impact to stakeholders,
Selain itu, untuk meningkatkan dampak positif kepada FIFGROUP always creates a diverse and inclusive
para pemangku kepentingan, FIFGROUP senantiasa work environment by managing excellent talents and
menciptakan lingkungan kerja yang beragam dan inklusif strengthening social contributions to society. The Company
dengan mengelola talenta yang unggul dan memperkuat hopes that through all these efforts, we can achieve the
kontribusi sosial kepada masyarakat. Perseroan set performance targets and contribute to creating a better
berharap melalui semua upaya ini, kami dapat mencapai future.
target kinerja yang telah ditetapkan dan berkontribusi
menciptakan masa depan yang lebih baik.
Apresiasi Appreciation
Pencapaian yang telah kami raih tahun 2023 merupakan hasil The achievements we have made in 2023 are the result of
kerja sama dari berbagai pihak. Oleh karena itu, FIFGROUP cooperation from various parties. Therefore, FIFGROUP
memberikan apresiasi dan ucapan terima kasih kepada appreciates and is grateful to all stakeholders who have
seluruh pemangku kepentingan yang telah memberikan supported and contributed to this sustainability journey.
dukungan dan kontribusi dalam perjalanan keberlanjutan With various rapid changes, of course, we also have to run
ini. Menghadapi berbagai perubahan yang cepat, kami and collaborate more closely. Facing rapid changes, we
menyadari bahwa kami perlu berlari dan berkolaborasi realize that we need to run and collaborate more closely.
dengan lebih erat. Dengan membangun kepercayaan diri By building strong confidence, we believe in optimizing
yang kuat, kami yakin dapat mengoptimalkan pengelolaan the management of risks and opportunities to form a more
risiko dan peluang untuk membentuk organisasi yang solid organization and provide superior financing products
semakin solid dan memberikan produk pembiayaan yang for our customers.
unggul bagi para pelanggan.
Mari berkolaborasi menciptakan pertumbuhan yang Let’s collaborate to create sustainable growth.
berkelanjutan.
Jakarta, Maret 2024 / March 2024
Margono Tanuwijaya
Presiden Direktur | President Director
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ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
DANIEL
HARTONO
VALENTINA Direktur
CHAI WEI LI Director
Direktur
Director
SRI
HARJATI
Direktur
Director
SETIA
BUDI
Direktur
Director
INDRA
GUNAWAN
Direktur
Director
MARGONO
TANUWIJAYA
Presiden Direktur
President Director
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
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STRATEGI KEBERLANJUTAN
SUSTAINABILITY STRATEGY
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
STRATEGI KEBERLANJUTAN [2-22] [2-23] [2-24]
SUSTAINABILITY STRATEGY
Sebagai bentuk komitmen dalam menerapkan FIFGROUP has made a strong commitment to
keberlanjutan, Perusahaan mengembangkan FIFGROUP sustainability in the company. To achieve this goal,
2030 Sustainability Aspirations Framework & FIFGROUP has developed the FIFGROUP 2030
Initiatives yang berpedoman pada Peraturan OJK Sustainability Aspirations Framework & Initiatives,
Nomor 51/POJK.03/2017 tentang Penerapan Keuangan guided by OJK Regulation Number 51/POJK.03/2017 and
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten dan ASTRA 2030 Sustainability Aspirations. This regulation
Perusahaan Publik serta dari ASTRA 2030 Sustainability focuses on implementing Sustainable Finance for Financial
Aspirations. Penerapan keberlanjutan di FIFGROUP Services Institutions, Issuers, and Public Companies. By
juga turut berkontribusi dalam pencapaian Sustainable implementing sustainability practices, FIFGROUP also
Development Goals (SDGs) sebagai agenda pembangunan contributes to achieving Sustainable Development Goals
dunia untuk perdamaian dan kemakmuran manusia serta (SDGs). These goals are crucial for the world’s development
planet bumi sekarang dan masa depan. agenda, as they aim to create peace and prosperity for
people and the planet, both now and in the future.
Melalui misi memberikan kehidupan yang lebih baik Through the mission of providing a better life for society
untuk masyarakat dan visi “Menjadi Pemimpin Industri and the vision of “To be The Admired National Industry
yang Dikagumi secara Nasional”, FIFGROUP menyusun Leader”, FIFGROUP develops a framework of sustainability
kerangka aspirasi keberlanjutan melalui triple-P strategy aspiration through the triple-P strategy: Portfolio, People,
yaitu Portfolio, People dan Public Contribution serta and Public Contribution, along with implementation of
penerapan Good Corporate Governance (GCG) sebagai Good Corporate Governance (GCG) as a key factor. as
faktor kunci. Nilai budaya Teamwork, Excellent, Achieving a key factor. The Company’s Core values of Teamwork,
dan Moving Forward (TEAM) sebagai pondasi utama, Excellence, Achievement, and Moving Forward (TEAM)
sementara kampanye komunikasi dilakukan melalui serve as the primary foundation, while communication
FIFGROUP #CARE (Create Action, Rescue Earth). campaigns are conducted through FIFGROUP #CARE
(Create Action, Rescue Earth).
FIFGROUP 2030 Sustainability Framework & Initiatives
1. Peraturan OJK Nomor 51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan Bagi Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik
Guidelines:
2. Astra 2030 Sustainability Aspirations
3. Sustainable Development Goals (SDGs)
Goal Better Life, Better Future
Vision Menjadi Pemimpin Industri yang Dikagumi Secara Nasional
Triple-P
Aspirations
Aktivitas Pendukung
Sustainability Index Awards
• Penghargaan terhadap
cabang atas pencapaian
Sustainability Index tingkat
network.
Sustainability Innovation Ideas
• Penghargaan terhadap tim
karyawan atas project
inovasi yang mendukung
implementasi Aspirasi
Triple-P.
Communication
Campaign
Key Enablers
Core Foundation
40 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
FIFGROUP sebagai bagian dari lembaga keuangan FIFGROUP, as a financial institution, is committed to
berkomitmen dalam menerapkan sustainable finance implementing sustainable finance through the development
melalui pengembangan pembiayaan pada sektor of financing in sustainable sectors, as stated in the
berkelanjutan yang tertuang dalam FIFGROUP 2030 FIFGROUP 2030 Sustainability Aspirations Framework
Sustainability Aspirations Framework pada Strategi on Portfolio Strategy. The sustainable financing provided
Portofolio. Adapun pembiayaan berkelanjutan by FIFGROUP:
FIFGROUP adalah
• Pembiayaan Motor Listrik (Electric Vehicle) • Electric Vehicle Financing
• Pembiayaan Sepeda Listrik (Electric Bicycle) • Electric Bicycle Financing
• Pembiayaan Solar Panel • Solar Panel Financing
• Pembiayaan UMKM (Microproductive Financing) • Microproductive Financing
• Pembiayaan untuk Disabilitas • Financing for Disabled
Selain pembiayaan pada sektor berkelanjutan, FIFGROUP In addition to financing in the sustainable sector,
mengembangkan penghimpunan dana melalui penerbitan FIFGROUP develops fundraising through the issuance
instrumen berkelanjutan. Dengan komitmen dan of sustainable instruments. With an increasingly
implementasi yang semakin komprehensif, FIFGROUP comprehensive commitment and implementation,
berharap dapat menjadi perusahaan yang senantiasa FIFGROUP hopes to become a company that always
memberikan kontribusi positif bagi lingkungan serta makes a positive contribution to the environment and
mampu mendorong pencapaian ekonomi rendah karbon can encourage the achievement of a low-carbon economy
dan pemenuhan target SDGs. Selain dari sisi portofolio and the fulfillment SDGs targets. Apart from the business
bisnis, FIFGROUP berusaha dalam optimalisasi portfolio, FIFGROUP strives for operational optimization
operasional melalui komitmen dalam penurunan emisi gas through a commitment to reducing greenhouse gas
rumah kaca, peningkatan bauran energi terbarukan serta emissions, increasing the renewable energy mix, and
pengelolaan air dan limbah yang efektif. effective water and waste management.
Pada strategi People, FIFGROUP berkomitmen dalam With People strategy, FIFGROUP is committed to
menjamin kesehatan dan keselamatan kerja karyawan guaranteeing the health and safety of employees and
serta turut mendukung employee diversity and inclusivity supporting employee diversity and inclusivity by
dengan memberikan kesempatan bagi sahabat disabilitas providing opportunities for disabled friends to work both
untuk dapat bekerja baik di kantor pusat maupun at headquarters and branches across Indonesia. In addition,
cabang di seluruh Indonesia. Selain itu, perusahaan the company is also developing programs in support of
juga turut mengembangkan program dalam mendukung women’s empowerment.
pemberdayaan perempuan.
Dalam strategi Public Contribution, FIFGROUP As for its Public Contribution strategy, FIFGROUP
mengembangkan community development program rolled out community development programs through
melalui 4 (empat) pilar CSR (FIFGROUP Sehat, its 4 (four) CSR pillars (FIFGROUP Sehat, FIFGROUP
FIFGROUP Pintar, FIFGROUP Sejahtera, FIFGROUP Pintar, FIFGROUP Sejahtera, FIFGROUP Lestari) and
Lestari) dan FIFGROUP Peduli. FIFGROUP Peduli.
Sebagai upaya dalam menjamin penerapan keberlanjutan To ensure optimum implementation, FIFGROUP has
yang optimal, FIFGROUP menetapkan target pencapaian set achievement targets in the Sustainability Aspirations
pada FIFGROUP Sustainability Aspirations Framework Framework. FIFGROUP regularly monitors the
yang disusun. FIFGROUP melakukan monitoring secara achievement of such sustainability performance.
rutin terkait pencapaian kinerja keberlanjutan tersebut.
PT Federal International Finance | 2023 Sustainability Report 41
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
SUSTAINABILITY FRAMEWORK MELALUI STRATEGI TRIPLE-P ROADMAP
SUSTAINABILITY FRAMEWORK THROUGH TRIPLE-P ROADMAP STRATEGY
Portofolio People Public Contribution
Capaian 2023 | 2023 Achievement
1. Mengurangi emisi gas rumah 1. Implementasi program Inspeksi Implementasi program CSR pada 4
kaca sebesar 12,85% dan Safety Riding melalui program pilar dan proram filantropi/donasi
melakukan penanaman pohon sosialisasi, inspeksi keamanan 1. FIFGROUP Sehat
sebanyak 36.720 pohon berkendara, memberikan • Donor Darah: 16.991 kantong
2. Meningkatkan penggunaan energi perlengkapan berkendara yang aman darah
baru terbarukan melalui program dan menerapkan regulasi sesuai • Program posyandu: 1.426 anak
pemasangan solar panel dengan standar Keselamatan dan Kesehatan • Progam pencegahan stunting:
total di 18 cabang Kerja (K3) 200 anak dan 200 ibu hamil
3. Menggunakan produk ramah 2. Implementasi Kesiapsiagaan 2. FIFGROUP Pintar
lingkungan, yakni lampu light Tanggap Darurat (KTD) (Pelatihan • Pelatihan guru: 5.737 guru
emitting diode (LED) di 93 Floor Warden) • Program Jam Sosial Mengajar:
jaringan perusahaan 3. Pelaksanaan Medical Check Up 2.517 siswa
4. Mendorong pengurangan (MCU) 3. FIFGROUP Sejahtera
intensitas pengambilan air 4. Pelaksanaan Pest Control • Program Dana Bergulir: 734
permukaan dan air tanah 5. Pelaksanaan program FIFGROUP UMKM
5. Meningkatkan pengelolaan daur Employee Care (FEC) • Program pembinaan
ulang air dan utilisasi keran 6. Implementasi program aktivitas peningkatan kompetensi
otomatis fisik kesehatan (strecthing time & UMKM
6. Menjalin kolaborasi dengan Bank drinking time) 4. FIFGROUP Lestari
Sampah di 54 titik cabang 7. Melaksanakan program • Fogging Malaria dan DBD :
7. Meningkatkan pengelolaan pemberdayaan perempuan seperti 2.218 keluarga
jumlah limbah padat domestik forum kartini dan MOBIC spesial 5. FIFGROUP Peduli
non plastik menjadi 31,88% dan hari kartini • Melalui program bantuan
limbah padat plastik menjadi sosial dan keagamaan
47,85%
1. Reduce greenhouse gas emissions 1. Implementation of the Safety Implementation of CSR programs on
by 12.85% and plant 36,720 trees Riding Inspection program through 4 pillars and philanthropy/donation
2. Increasing the use of renewable socialization programs, driving programs
energy through a solar panel safety inspections, providing 1. FIFGROUP Sehat
installation program in 18 safe driving equipment, and • Blood Donation: 16,991 blood
branches implementing regulations in bags
3. Using environmentally friendly accordance with Occupational • Posyandu program: 1,426
products, such as light emitting Health and Safety (OSH) standards children
diode (LED) lights in 93 of the 2. Implementation of Emergency • Stunting prevention program:
company’s networks Response Preparedness (ERP) (Floor 200 children and 200 pregnant
4. Encouraging a reduction in the Warden Training) women
intensity of surface water and 3. Conducting Medical Check-Up 2. FIFGROUP Pintar
groundwater withdrawals (MCU) • Teacher training: 5,737
5. Improving water recycling 4. Implementation of Pest Control. teachers
management and automatic 5. Implementation of the FIFGROUP • Jam Sosial Mengajar Program:
faucet utilization Employee Care (FEC) program 2,517 students
6. Establishing collaboration with 6. Implementation of physical health 3. FIFGROUP Sejahtera
Waste Banks at 54 branch points activity programs (stretching time & • Revolving Fund Program: 734
7. Improving the management of drinking time) MSMEs
non-plastic domestic solid waste 7. Conducting women empowerment • MSME competency
to 31.88% and plastic solid waste programs such as Kartini forum and improvement coaching
to 47.85% special Kartini day MOBIC program
4. FIFGROUP Lestari
• Fogging for Malaria and
Dengue Fever: 2,218 families
5. FIFGROUP Peduli
• Social and religious assistance
programs
42 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Strategi keberlanjutan FIFGROUP telah selaras dengan FIFGROUP’s sustainability strategy is aligned with the
Rencana Aksi Keuangan Berkelanjutan (RAKB) yang telah Company’s Sustainable Finance Action Plan (SFAP).
disusun Perseroan. Pencapaian keuangan berkelanjutan The achievement of sustainable finance also supports the
juga turut mendukung Tujuan Pembangunan Berkelanjutan Sustainable Development Goals (SDGs). FIFGROUP has
(TPB). FIFGROUP juga telah mempertimbangkan prinsip- also considered the principles of prudence, compliance
prinsip kehati-hatian, kepatuhan terhadap regulasi di with regulations in Indonesia, and respect for human
Indonesia, serta menghormati Hak Asasi Manusia (HAM). rights. The Company upholds diversity, manages customer
Perseroan menjunjung tinggi keberagaman, mengelola isu issues, and carries out transparent and fair cooperation
pelanggan, serta menjalankan kerja sama yang transparan with partners.
dan adil dengan mitra kerja.
TENTANG LAPORAN KEBERLANJUTAN
ABOUT THE SUSTAINABILITY REPORT
Laporan Keberlanjutan PT Federal International Finance PT Federal International Finance Sustainability Report
Tahun 2023 mendeskripsikan kinerja keberlanjutan 2023 describes the Company’s sustainability performance
Perseroan yang disusun setiap tahun, dengan periode 1 which is prepared annually, for the period 1 January to
Januari hingga 31 Desember 2023 dan laporan sebelumnya 31 December 2023, and the previous report was published
dipublikasikan pada 21 Maret 2023. Penyusunan laporan on 21 March 2023. This report refers to Circular Letter
ini mengacu pada Surat Edaran Otoritas Jasa Keuangan of the Financial Services Authority (SEOJK) No.16/
(SEOJK) No.16/SEOJK.04/2021 tentang Isi Laporan SEOJK.04/2021 concerning the Content of Annual
Tahunan yang di dalamnya untuk menyampaikan kinerja Reports to convey sustainability performance following
keberlanjutan sesuai Peraturan Otoritas Jasa Keuangan the Financial Services This report also refers to the Global
(POJK) No.51/POJK.03/2017. Laporan ini juga merujuk Reporting Initiative (GRI) Standard 2021. [2-3]
pada Standar Global Reporting Initiative (GRI) 2021
“with reference”. [2-3]
Laporan ini mengungkapkan pengelolaan topik material This report discloses the management of relevant material
yang relevan, mempunyai dampak signifikan bagi topics that are relevant, have a significant impact on the
Perseroan, dan menjadi perhatian pemangku kepentingan. Company, and are of concern to stakeholders. In 2023, new
Pada tahun 2023, terdapat penambahan topik material material topics in line with ASTRA 2030 Sustainability
baru pada laporan ini yang disesuaikan dengan ASTRA Aspirations are added to this report. All information and
2030 Sustainability Aspirations. Seluruh informasi dan data presented in this sustainability report come from the
data yang disampaikan pada laporan keberlanjutan ini head office and all branch offices. In this report, there is a
berasal dari kantor pusat dan semua kantor cabang. Dalam restatement from the previous report related to the change
laporan ini, terdapat pernyataan kembali (restatement) in classification of the Other Financing section and Total
dari laporan sebelumnya terkait perubahan klasifikasi GHG Emissions (Scope 1 and 2). FIFGROUP did not
pada bagian Pembiayaan Lainnya serta Jumlah Emisi involve an independent party yet in assuring sustainability
GRK (Cakupan 1 dan 2). FIFGROUP pada periode ini information during the period. However, all data has
belum melibatkan pihak independen dalam menjamin been ensured to come from relevant sources and has been
(assurance) informasi keberlanjutan. Namun demikian, approved by the Board of Directors and relevant divisions,
seluruh data telah dipastikan berasal dari sumber yang and for financial data, it originates from the Audited
relevan serta telah disetujui oleh Direksi dan divisi terkait, Financial Statements. [2-2][2-4][2-5]
dan untuk data keuangan berasal dari Laporan Keuangan
Audited. [2-2][2-4][2-5]
Perseroan secara terbuka menerima saran dan pertanyaan The Company welcomes suggestions and questions
mengenai informasi dalam laporan keberlanjutan ini regarding the information in this sustainability report
melalui: [2-3] through: [2-3]
PT Federal International Finance | 2023 Sustainability Report 43
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
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
Tanggapan Umpan Balik Feedback on
Laporan Tahun Sebelumnya Previous Year’s Report
Hingga akhir tahun 2023, FIFGROUP telah menerima By the end of 2023, FIFGROUP had received and followed
dan menindaklanjuti seluruh saran, tanggapan, maupun up on all suggestions, feedback, and criticisms regarding
kritik terkait Laporan Keberlanjutan Tahun 2022. Melalui the 2022 Sustainability Report. Through this feedback,
umpan balik tersebut, Perseroan akan terus berupaya the Company will continue to strive and provide more
menyampaikan informasi dengan lebih komprehensif. comprehensive information. FIFGROUP also welcomes
Perseroan juga menerima saran, tanggapan, maupun suggestions, feedback, and criticisms on the 2023
kritik atas Laporan Keberlanjutan Tahun 2023 yang dapat Sustainability Report, which can be submitted through the
disampaikan melalui lembar umpan balik yang terdapat feedback form located on the last page of this report.
pada halaman akhir laporan ini.
Identifikasi Topik Material dan Identification of Material Topics and
Batasan Dampak [2-14][3-1][3-2] Impact Limitations [2-14][3-1][3-2]
FIFGROUP telah mengidentifikasi topik material Priority material topics that align with the Company’s
prioritas yang sesuai dengan strategi perusahaan, risiko, strategy, risks, and opportunities and have a big impact
dan peluang yang mempunyai dampak signifikan serta on stakeholders’ decision-making have been recognized
berpengaruh pada pengambilan keputusan bagi para by FIFGROUP. Together with the management and a
pemangku kepentingan. Penentuan topik material ini group of experts, these material topics are determined.
didiskusikan bersama dengan jajaran manajemen dan FIFGROUP also identifies and determines priority support
tim ahli. Dalam menentukan topik material, FIFGROUP for the Sustainable Development Goals (SDGs) when
juga mengidentifikasi dan menentukan dukungan prioritas identifying material topics.
pada Tujuan Pembangunan Berkelanjutan (TPB).
Dukungan pada TPB Topik Material Isu Signifikan Pemangku Kepentingan Terdampak
Support for SDGs
Material Topic Key Concern Impacted Stakeholders
Kinerja Ekonomi • Nilai ekonomi dihasilkan dan Internal: Pemegang Saham, Karyawan
Economic didistribusikan Eksternal: Mitra Kerja, Regulator,
Performance • Pengelolaan Keuangan dan Ekonomi Masyarakat, Pelanggan
yang diawasi OJK
• Economic value generated and Internal: Shareholders, Employees
distributed External: Work Partners, Regulators,
• Transparent and Sound Financial and Public, Customers
Economic Management
44 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Dukungan Topik Material Isu Signifikan Pemangku Kepentingan Terdampak
Support Material Topic Key Concern Impacted Stakeholders
Portofolio • Pembiayaan Kategori Kegiatan Usaha Internal: Pemegang Saham
Pinjaman & Berkelanjutan (KKUB) Eksternal: Regulator, Pelanggan
Investasi yang
Berkelanjutan • Financing of sustainable businesses Internal: Shareholders
Sustainable Loan External: Regulators, Customers
and Investment
Portfolio
Emisi Gas Rumah • Penurunan emisi gas rumah kaca yang Internal: Pemegang Saham, Karyawan
Kaca dan Bauran dihasilkan Eksternal: Mitra Kerja, Pelanggan
Energi Baru • Peningkatan bauran energi baru
Terbarukan (EBT) terbarukan
Greenhouse gas
emissions and • Reduction in greenhouse gas emissions Internal: Shareholders, Employees
renewable energy produced External: Partners, Customers
mix • Increased renewable energy mix
Pengelolaan Air • Peningkatan jumlah limbah padat terolah Internal: Pemegang Saham, Karyawan
dan Limbah Padat • Penurunan intensitas pengambilan air Eksternal: Mitra Kerja, Pelanggan
Water and Waste
Management • Increased amount of processed waste
• Decreased amount of water withdrawal Internal: Shareholders, Employees
intensity External: Partners, Customers
Kesehatan dan • Penurunan LTI (lost time injury) Rate Internal:
Keselamatan Kerja • Zero Fatality Pemegang Saham, Karyawan
Occupational Eksternal: Mitra Kerja, Pelanggan
Health and Safety
• Lost time injury rate (LTI) reduction Internal: Shareholders, Employees
• Zero Fatality External: Partners, Customers
Keberagaman dan • Pemberdayaan perempuan Internal: Pemegang Saham, Karyawan
Inklusivitas • Pemberdayaan disabilitas Eksternal: Mitra Kerja, Regulator,
Diversity and Pelanggan, Masyarakat
Inclusivity
• Women Empowerment Internal: Shareholders, Employees
• Disability Empowerment External: Partners, Regulators, Customers,
Public
Pelatihan dan • Pelatihan dan pendidikan bagi karyawan Internal: Karyawan
Pendidikan • Literasi dan inklusi keuangan Eksternal: Mitra Kerja, Regulator,
Training and Pelanggan, Masyarakat
Education
• Training and education for employees, Internal: Employees
customers, and the public External: Partners,Regulators, Customers,
• Financial literacy and inclusion Public
Keterlibatan dan • Dampak ekonomi tidak langsung yang Internal: Pemegang Saham, Karyawan
Dampak Komunitas signifikan Eksternal: Regulator, Masyarakat
Community • Implementasi program Tanggung Jawab
Engagement and Sosial dan Lingkungan (TJSL)
Impacts on the
Communities • Indirect economic impacts Internal: Shareholders, Employees
• Corporate Social Responsibility (CSR) External: Regulators, Public
program implementation
Etika Bisnis • Anti-Fraud dan Antikorupsi, Anti Internal: Pemegang Saham, Karyawan
Business Ethics Pencucian Uang dan Pencegahan Eksternal: Regulator, Pelanggan
Pendanaan Terorisme (APU-PPT)
• Anti-fraud and anti-corruption, anti- Internal: Shareholders, Employees
money laundering and prevention of External: Regulators, Customers
terrorism funding
Keamanan Data • Perlindungan data pelanggan Internal: Pemegang Saham
dan Privasi Eksternal: Regulator, Pelanggan
Pelanggan
Customer Data • Customer data protection Internal: Shareholders
Security and External: Regulators, Customers
Privacy
PT Federal International Finance | 2023 Sustainability Report 45
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
46 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 49
Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
TENTANG KAMI
ABOUT US
PT Federal International Finance | 2023 Sustainability Report 47
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
SEKILAS FIFGROUP [2-1]
FIFGROUP AT A GLANCE
Selama lebih dari 30 tahun berkarya FIFGROUP dikenal In operation for more than 30 years, FIFGROUP is
dalam bisnis layanan pembiayaan. Perseroan terus renowned in the financing service business. The Company
berkembang untuk mengakomodasi keanekaragaman continues to grow accommodating the diverse needs of
kebutuhan masyarakat dengan berpegang pada prinsip the community following the principles of innovation
inovasi dan kreativitas. Pada 1 Mei 1989, PT Federal and creativity. PT Federal International Finance (the
International Finance (Perseroan) didirikan di Jakarta Company) was established in Jakarta on 1 May 1989,
dengan nama PT Mitrapusaka Artha Finance, dengan under the name PT Mitrapusaka Artha Finance, focusing
fokus bergerak dalam bisnis pembiayaan. Kemudian on financing. In 1991, the Company changed its name
pada 1991, Perseroan berubah nama menjadi PT Federal to PT Federal International Finance and began to focus
International Finance dan mulai memusatkan perhatian on retail consumer financing, specifically Honda brand
pada pembiayaan sepeda motor merek Honda dalam ranah motorcycles. The strategy was a response to market
pembiayaan konsumen secara retail. Strategi ini dilakukan demands in 1996. In May 2013, the FIFGROUP brand
untuk menanggapi tuntutan pasar pada tahun 1996. Pada was introduced as part of the Company’s transformation.
Mei 2013, merek FIFGROUP diperkenalkan sebagai Currently, based on Financial Services Authority
bagian dari transformasi Perseroan. Saat ini, berdasarkan Regulation No. 35/POJK.05/2018 on Business Operation
Peraturan Otoritas Jasa Keuangan No. 35/POJK.05/2018 of Financing Companies. The Company is engaged in
tentang Penyelenggaraan Usaha Perusahaan Pembiayaan, the financing service business with the following brand
Perseroan bergerak pada bisnis layanan pembiayaan names: [2-6]
dengan nama merek sebagai berikut: [2-6]
FIFASTRA
Fasilitas Pembiayaan Sepeda Motor Motorcycle Financing Facility
Merupakan komposisi terbesar dalam The most significant competition within
portofolio bisnis FIFGROUP yang meliputi FIFGROUP’s business portfolio, includes
pembiayaan untuk pembelian sepeda motor financing for the purchase new Honda
Honda baru. motorcycles.
48 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
SPEKTRA
Fasilitas Pembiayaan Multi Produk Multiproduct Financing Facility
Fasilitas pembiayaan multi produk yang A series of financing facilities for the
merupakan rangkaian dukungan finansial purchase of electronic products, household
untuk pembelian elektronik, peralatan appliances, furniture, gadgets, and lifestyle
rumah tangga, furniture, gadget, dan produk products.
lifestyle.
DANASTRA
Fasilitas Pembiayaan Multiguna Multipurpose Financing Facility
Fasilitas pembiayaan multiguna dengan Multipurpose financing facility with
jaminan collateral. collateral guarantee.
FINATRA
Fasilitas Pembiayaan Mikro Produktif Productive Microfinance
Merupakan bisnis terbaru yang diluncurkan The newest business launched in 2022,
pada tahun 2022, sebagai fasilitas serving as a productive microfinance facility
pembiayaan mikro produktif yang menjadi that provides a solution for MSMEs to
solusi bagi UMKM dalam mengembangkan develop their businesses.
usahanya.
AMITRA
Fasilitas Pembiayaan Syariah Sharia Financing Facility
Fasilitas pembiayaan syariah, termasuk Sharia financing facility, including religious
pembiayaan perjalanan religi (haji dan trip financing (Hajj and Umrah).
umrah)
Nama Perusahaan Bentuk Legal Tahun Berdiri
Company Name [2-1] Legal Form [2-1] Establishment
PT Federal Perseroan 1 Mei 1989
International Terbatas May, 1st 1989
Finance Limited Liability
Company
Landasan Hukum Pemegang Saham
Legal Basis [2-1] Shareholders
Akta Notaris Rukmasanti Hardjasatya, PT Astra International Tbk.
S.H., No. 1 yang kemudian diubah (99,99996%)
dengan akta No.40 tanggal 26 Juni 1989,
dengan persetujuan Surat Keputusan PT Arya Kharisma
Menteri Kehakiman No. C2 – 6728.
(0,00004%)
HT.01.01.Th.89 tanggal 27 Juli 1989.
Deed of Notary Rukmasanti Hardjasatya,
S.H., No. 1, which has been amended
by Deed No. 40 dated June 26, 1989,
approved by the Decision of the Minister
of Justice No. C2 – 6728. HT.01.01.
Th.89 dated July 27, 1989.
PT Federal International Finance | 2023 Sustainability Report 49
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Bidang Usaha
Line of Business [2-6]
Pembiayaan Investasi, Pembiayaan Modal Kerja, Investment Financing, Working Capital Financing,
Pembiayaan Multiguna, Pembiayaan Sewa Operasi Multipurpose Financing, Operating Lease Financing, and/
(Operating Lease) dan/atau Kegiatan Berbasis Fee, or Fee-Based Activities. Sharia Financing includes Sale
Pembiayaan Syariah mencakup Pembiayaan Jual Beli, and Purchase Financing, Investment Financing, and/or
Pembiayaan Investasi, dan/atau Pembiayaan Jasa dengan Service Financing using Sharia principle contracts; and
menggunakan akad prinsip syariah; serta Pembiayaan Other Financing. All of which have received approval
Lain. Seluruhnya telah mendapatkan persetujuan Otoritas from the Financial Services Authority and fulfill the
Jasa Keuangan dan memenuhi ketentuan Peraturan provisions of Financial Services Authority Regulation No.
Otoritas Jasa Keuangan No. 35/POJK.05/2018 tentang 35/POJK.05/2018 concerning the Business Operation of
Penyelenggaraan Usaha Perusahaan Pembiayaan. Financing Companies.
Alamat dan Kontak
Address and Contact [2-1]
Menara FIF +6221-769 8899
Jl. TB. Simatupang, +6221-759 055 99
Kav. 15, Cilandak, corpsecretary@fifgroup.astra.co.id
Jakarta Selatan 12440, Indonesia www.fifgroup.co.id
Media Sosial
Social Media
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FIFCLUB FIFCLUB FIFCLUB FIFCLUB FIFCLUB
Sepanjang tahun 2023, tidak terdapat perubahan signifikan There were no significant changes in the Company,
pada Perseroan mengenai model bisnis, rantai pasok, throughout 2023, regarding business model, supply chain,
penutupan atau pembukaan cabang, ataupun struktur closure or opening of branches, or ownership structure in
kepemilikan pada FIFGROUP yang dapat mempengaruhi FIFGROUP that may affect business sustainability.
keberlanjutan bisnis.
50 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Visi, Misi, dan Nilai & Budaya Keberlanjutan
Vision, Mission, and Sustainability Values & Culture
Visi | Vision Misi | Mission
Menjadi Pemimpin Industri Membawa Kehidupan yang
yang Dikagumi Secara Lebih Baik untuk Masyarakat.
Nasional.
Bring the Better Life to the
To be The Admired National Community.
Industry Leader.
Nilai-Nilai Inti Perusahaan & Budaya Keberlanjutan
The Company’s Core Values and Sustainability Culture
Team Work
Kerja sama sinergis secara profesional antar individu atau kelompok berlandaskan saling
menghargai dan saling percaya dengan semangat kebersamaan untuk mencapai tujuan
perusahaan.
Professional synergy among individuals or groups based on mutual respect and trust, with a
spirit of unity to achieve corporate objectives.
Excellence
Proaktif meningkatkan kualitas layanan dan produk melalui optimalisasi sumber daya dan
perbaikan proses berkesinambungan untuk menghasilkan nilai tambah bagi stakeholder.
Proactively enhancing service and product quality through resource optimization and
continuous process improvement to generate added value for the stakeholder.
Achieving
Berkomitmen menghasilkan inovasi-inovasi berlandaskan integritas, semangat pemenang
dan pantang menyerah untuk mencapai prestasi terbaik.
Committed to producing innovations rooted in integrity, a winning spirit, and perseverance to
achieve the highest accomplishments.
Moving Forward
Berwawasan luas dan berpandangan jauh ke depan dalam menemukan dan menciptakan
peluang untuk mencapai pertumbuhan berkelanjutan.
Having broad vision and foresight in identifying and creating opportunities to achieve
sustainable growth.
PT Federal International Finance | 2023 Sustainability Report 51
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Dalam upaya mencapai visi Menjadi Pemimpin Industri To achieve the vision of Becoming a Nationally Admired
yang Dikagumi Secara Nasional, FIFGROUP terus Industry Leader, FIFGROUP continues to innovate. One
berinovasi. Salah satu jejak langkah digitalisasi Perseroan of the Company’s significant digitalization footprints
yang signifikan adalah peluncuran FIFGROUP Digital is the launch of FIFGROUP Digital Form in May 2016.
Form pada Mei 2016. Aplikasi ini merupakan bagian dari This application is part of FIFGROUP Digitalization
FIFGROUP Digitalization Ecosystem yang bertujuan Ecosystem that aims to expedite and simplify the process
untuk memberikan kecepatan dan kemudahan dalam of providing credit to customers.
proses penyediaan kredit kepada para pelanggan.
Seluruh karyawan FIFGROUP diwajibkan menerapkan All FIFGROUP employees are required to apply the
nilai-nilai inti Perseroan dan budaya keberlanjutan Company’s core values and sustainability culture in
dalam kegiatan bisnis. Nilai-nilai tersebut diterapkan business activities. These values are applied as a reference
sebagai acuan dalam menjalin hubungan bersama seluruh in establishing relationships with all stakeholders, to
pemangku kepentingan, untuk menciptakan integritas create employee integrity in providing superior service to
karyawan dalam memberikan layanan yang unggul customers.
kepada pelanggan.
Wilayah Operasional [2-1][2-6] Areas of Operation [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 248 branch
248 kantor cabang termasuk di Sumatra, Jawa, Bali, offices in Sumatra, Java, Bali, Kalimantan, Sulawesi, Bali
Kalimantan, Sulawesi, Bali dan Nusa Tenggara, Maluku, and Nusa Tenggara, Maluku, and Papua. This extensive
serta Papua. Melalui jaringan operasional yang luas operational network has allowed FIFGROUP to become
ini, FIFGROUP telah menjadi salah satu perusahaan one of the largest financing companies in Indonesia.
pembiayaan terbesar di Indonesia. Informasi lebih lanjut Further information regarding the Company’s operational
terkait wilayah operasional Perseroan dapat diakses areas can be accessed through FIFGROUP Annual Report
melalui Laporan Tahunan FIFGROUP 2023. 2023.
248 kantor cabang
branch office
52 Laporan Keberlanjutan 2023 | PT Federal International Finance
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Skala Usaha [2-6]
Business Scale
Uraian Satuan
2023 2022 2021
Description Unit
Jumlah Karyawan Orang 13.801 13.961 14.279
Total Employee People
Total Pendapatan Bersih Rp miliar 10.416 8.963 8.840
Total Net Income Rp billion
Laba (Rugi) 4.107 3.174 2.467
Profit (Loss)
Total Kapitalisasi
Total Capitalization
Total Liabilitas Rp miliar 27.877 23.421 23.400
Total Liability Rp billion
Total Ekuitas 11.291 11.121 9.251
Total Equity
Jumlah Aset 39.168 34.542 32.651
Total Asset
Keanggotaan Asosiasi [2-28] Membership in Associations [2-28]
Perseroan tergabung dalam beberapa asosiasi profesional The Company is an actively participating as a member of
dan organisasi lainnya sebagai anggota yang berpartisipasi several professional associations and other organizations.
secara aktif. Melalui keanggotaan dalam asosiasi dan These memberships allow the Company to optimize
organisasi ini, Perseroan mengoptimalkan jaringan bisnis business and communication networks to update
dan komunikasi untuk memperbaharui informasi dan information and insights related to the financing industry,
wawasan terkait industri pembiayaan, dan mengumpulkan, and gather, conduct research and development to improve
mengadakan penelitian serta pengembangan guna the quality of services and products.
meningkatkan kualitas layanan dan produk.
Keanggotaan FIFGROUP dalam asosiasi dan organisasi FIFGROUP’s membership in associations and
di antaranya adalah Asosiasi Perusahaan Pembiayaan organizations includes the Indonesian Finance Company
Indonesia (APPI), PT Rapi Utama Indonesia (Rapindo), Association (APPI), PT Rapi Utama Indonesia (Rapindo),
dan Lembaga Alternatif Penyelesaian Sengketa Sektor and the Financial Services Sector Alternative Dispute
Jasa Keuangan (LAPS SJK). Resolution Institution (LAPS SJK).
PT Federal International Finance | 2023 Sustainability Report 53
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
TATA KELOLA KEBERLANJUTAN
SUSTAINABILITY GOVERNANCE
FIFGROUP menjalankan aktivitas bisnis selaras dengan peraturan dan etika yang diimplementasikan
melalui sistem manajemen yang efektif untuk memberikan manfaat yang lebih luas kepada para pemangku
kepentingan. Perseroan menerapkan prinsip-prinsip tata kelola perusahaan yang baik (GCG) sebagai
landasan menjalankan bisnis yang berkelanjutan hingga jangka panjang untuk menjaga kepercayaan dari
pelanggan. Implementasi tata kelola yang berkelanjutan juga merupakan pedoman dalam mengelola dan
memitigasi risiko.
FIFGROUP business activities align with regulations and ethics under an effective management system
to provide wider benefits to stakeholders. The Company uses the Good Corporate Governance (GCG)
principles as the cornerstone for managing a long-term, sustainable business to uphold consumer trust. The
use of sustainable governance serves as a manual for risk management and mitigation.
PT Federal International Finance (FIFGROUP atau PT Federal International Finance (FIFGROUP or the
Perseroan) telah menjalankan bisnis sejak tahun 1989 Company) has been in business since 1989. It has become
dan menjadi salah satu perusahaan layanan pembiayaan one of the leading financing services companies in
terdepan di Indonesia. Pencapaian tersebut tentu tak terlepas Indonesia. This achievement is certainly inseparable from
dari kepercayaan seluruh pemangku kepentingan yang the trust of all stakeholders who place their aspirations
menumpukan aspirasinya pada Perseroan. Untuk menjaga on the Company. To maintain this trust, FIFGROUP
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
kepercayaan tersebut, FIFGROUP senantiasa menerapkan always implements the best practices of Good Corporate
praktik terbaik (best practice) Tata Kelola Perusahaan yang Governance (GCG).
Baik (GCG).
Penerapan best practice GCG pada seluruh aspek The implementation of GCG best practices in all aspects
operasional Perseroan tentunya akan mengarahkan of the Company’s operations will certainly lead the
langkah Perseroan menjadi semakin unggul di industri Company’s steps to further excel in the Indonesian
pembiayaan Indonesia. Oleh karena itu, Perseroan financing industry. Therefore, the Company is committed
berkomitmen untuk menyempurnakan penerapan praktik- to improving the implementation of GCG best practices
praktik terbaik GCG pada seluruh tingkatan organisasi at all levels of the organization on an ongoing basis to
secara berkesinambungan demi memberikan added value provide the best added value for all stakeholders.
terbaik bagi seluruh pemangku kepentingan.
Dalam penerapan best practice GCG, FIFGROUP In implementing GCG Best Practices, FIFGROUP refers
mengacu pada UU No. 40 Tahun 2007 tentang Perseroan to Law No. 40 Year 2007 on Limited Liability Companies,
Terbatas, Peraturan Otoritas Jasa Keuangan (POJK), the Financial Services Authority Regulation (POJK), the
Surat Edaran Otoritas Jasa Keuangan (SEOJK) serta Financial Services Authority Circular Letter (SEOJK) as
Rapat Umum Pemegang Saham (RUPS), Direksi well as the General Meeting of Shareholders (GMS), the
sebagai pengurus Perseroan, serta Dewan Komisaris Board of Directors as the management of the Company
sebagai pengawas. Informasi lengkap mengenai RUPS, and the Board of Commissioners as the supervisory
keberagaman Direksi, Dewan Komisaris, beserta fungsi- body. Comprehensive information regarding the General
fungsi di bawahnya, proses nominasi dan seleksi, diskusi Meeting of Shareholders, the diversity of the Board of
isu kritis, kebijakan dan proses menentukan remunerasi, Directors and Board of Commissioners, their respective
serta besaran rasio kompensasi total tahunan Direksi dan functions, the nomination and selection processes, critical
Dewan Komisaris disampaikan dalam Laporan Tahunan issue discussions, policies and processes for determining
FIFGROUP 2023. [2-10][2-11][2-16][2-19][2-20][2-21][202-1] remuneration, as well as the total annual compensation ratio
[405-1] of the Directors and Board of Commissioners are disclosed
in the FIFGROUP 2023 Annual Report. [2-10][2-11][2-16][2-19]
[2-20][2-21][202-1][405-1]
Perseroan juga menerapkan GCG dalam setiap The Company implements GCG in every decision to
pengambilan keputusan guna mengoptimalkan kinerja, optimize performance, improve accountability and
meningkatkan akuntabilitas, dan menghindari konflik avoid conflicts of interest. GCG implementation is the
kepentingan. Implementasi GCG menjadi tanggung jawab responsibility of all parties in the company, including all
seluruh pihak di Perseroan, bahkan seluruh karyawan harus employees, who must comply with applicable regulations.
mematuhi regulasi yang berlaku. FIFGROUP menyadari FIFGROUP recognizes that effective implementation of
bahwa implementasi GCG yang efektif akan memberikan the GCG will provide broader benefits. As a result of this
manfaat yang lebih luas. Melalui kepatuhan ini, Perseroan compliance, the company did not receive any fines or other
tidak mendapatkan sanksi denda maupun hukum lainnya legal sanctions that materially affect business activities
yang material memengaruhi kegiatan usaha selama during the reporting period, whether from authorized
periode pelaporan, baik dari lembaga berwenang maupun institutions or other regulatory authorities. [2-27][2-15]
pihak regulator lainnya. [2-27][2-15]
Dalam mengelola aspek lingkungan, sosial, dan tata In managing environmental, social, and governance
kelola, Perseroan membentuk Koordinator Aksi Keuangan aspects, the Company established a Sustainable Finance
Berkelanjutan yang terdiri dari fungsi Corporate Secretary, Action Coordinator consisting of Corporate Secretary,
Legal & Litigation, Business Development & Corporate Legal & Litigation, Business Development & Corporate
Planning, serta Corporate Communication, EHSSR & Planning, and Corporate Communication, EHSSR &
Sustainability Management. Fungsi-fungsi ini bertanggung Sustainability Management functions. These functions
jawab dalam memitigasi dan mengawasi tingkat risiko are responsible for mitigating and monitoring the level
pada aspek LST, terutama dari sisi pembiayaan. Selain itu, of risk in ESG aspects, especially from the financing
dalam mengimplementasikan aspek LST, seluruh fungsi perspective. In addition, in implementing ESG aspects, all
akan berkoordinasi dengan fungsi lainnya dan melakukan functions will coordinate with other functions and make
perbaikan untuk meningkatkan efisiensi dan kinerja improvements to increase efficiency and sustainability
keberlanjutan. 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, and
menyampaikan RAKB secara berkala. Selain itu, Perseroan submitting SFAP periodically. In addition, the Company
PT Federal International Finance | 2023 Sustainability Report 55
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
juga membentuk Komite Keberlanjutan yang memiliki also established a Sustainability Committee with overseeing
tugas untuk melakukan mengawasi dan melaksanakan and implementing activities related to sustainability
kegiatan yang berkaitan dengan aspek keberlanjutan dan aspects and monitoring the performance achievements of
memperhatikan capaian kinerja aspek LST. Tim Koordinator environmental, social, and governance (ESG) aspects. The
Aksi Keuangan Berkelanjutan menyampaikan hasil kinerja Sustainable Finance Action Coordinator team presents the
LST setiap triwulan kepada Dewan Komisaris dan Direksi. LST performance results every quarter to the Board of
Dewan Komisaris dan Direksi turut aktif dalam meninjau Commissioners and the Board of Directors. The Board of
dan mengevaluasi pencapaian kinerja keberlanjutan serta Commissioners and the Board of Directors actively review
menyetujuinya bersama pemangku kepentingan lain untuk and evaluate sustainability performance achievements and
dapat disampaikan pada Laporan Keberlanjutan. [2-12] [2-13] jointly approve them with other stakeholders for inclusion
[2-14][2-18] in the Sustainability Report. [2-12] [2-13][2-14][2-18]
STRUKTUR TATA KELOLA KEBERLANJUTAN [2-9]
SUSTAINABILITY GOVERNANCE STRUCTURE
Tim Koordinator Keuangan Berkelanjutan
Mengembangkan produk dan/atau jasa
Sustainable Finance Action Coordinator
keuangan berkelanjutan, meningkatkan
kapasitas intern, menyesuaikan organisasi,
Corporate Secretary, Legal,
manajemen risiko, tata kelola, dan/atau SOP
& Litigation Division
Developing sustainable finance products and
services, building internal capacity, making
Business Development & Corporate adjustments to the organization, risk management,
Planning Division governance, and SOPs
Corporate Communication, EHSSR &
Sustainability Management Division
Komite Keberlanjutan Melakukan pengawasan kegiatan berbasis LST
Sustainability Committee Overseeing ESG-related activities
Manajemen Risiko Lingkungan, Sosial, Management of Environmental, Social,
dan Tata Kelola (LST) and Governance Risks
Di bawah tanggung jawab Divisi Manajemen Risiko, Under the responsibility of the Risk Management Division,
FIFGROUP telah memetakan risiko dan mitigasinya guna FIFGROUP has mapped risks and their mitigation to
mengelola dampak serta meningkatkan strategi Perseroan manage the impact and improve the Company’s strategy
dalam mencapai tujuan. FIFGROUP terus berusaha untuk in achieving its goals. FIFGROUP continues to strive to
membentuk dan mengembangkan budaya risiko yang establish and develop a strong risk culture, implementation
kuat, penerapan praktik Tata Kelola Perseroan yang baik, of good corporate governance practices, and uphold the
serta pelestarian nilai-nilai kepatuhan terhadap regulasi. values of compliance with regulations.
Dalam penerapannya, Perusahaan memastikan bahwa In its implementation, the Company ensures that the
penerapan manajemen risiko telah terintegrasi ke dalam implementation of risk management has been integrated
proses bisnis secara komprehensif sehingga dapat menjadi into business processes comprehensively acting as
early warning system yang efektif dalam memberikan an effective early warning system to provide early
informasi dini mengenai potensi risiko yang dihadapi information on potential risks faced by the Company. The
Perseroan. Upaya manajemen risiko Perseroan dapat Company’s risk management efforts can be outlined in a
dijabarkan pada bagan risk management framework based risk management framework based on ISO 31000:2018 as
berdasarkan ISO 31000:2018 sebagai berikut: follows:
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
STRUKTUR TATA KELOLA RISIKO
RISK MANAGEMENT STRUCTURE
Lingkup, Konteks, Kriteria
Scope, Context, Criteria
Penilaian Risiko | Risk Assessment
Identifikasi Risiko
Risk Identification
Communication & Consultation
Komunikasi & Konsultasi
Pengawasan & Review
Monitoring & Review
Analisa Risiko
Risk Analysis
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 seen that the
memiliki 3 proses utama manajemen risiko, yaitu: Company has 3 main risk management processes, namely:
• Penerapan konteks untuk memberikan gambaran secara • Applying context to provide a clear overview of the
jelas terkait tujuan proses bisnis organisasi sebagai organization’s business process objectives as a basis
landasan dalam melakukan risk assessment yang sesuai for conducting risk assessment that aligns with the
dengan konteks organisasi. organizational context.
• Penilaian risiko mencakup identifikasi risiko yang • Risk assessment involves identifying risks affecting the
berpengaruh pada Perseroan, menghitung dampak dan Company, calculating their impact and frequency, and
frekuensi serta pengaruhnya kepada tujuan Perseroan, assessing their 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.
• Penanganan risiko dengan menerapkan strategi baru • Risk handling by implementing new strategies,
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.
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 and monitoring
dan review. Hal tersebut merupakan hal yang penting and review. This is important considering the principle of
mengingat prinsip manajemen risiko menuntut manajemen risk management demands transparent and inclusive risk
risiko yang transparan dan inklusif, di mana manajemen management, where risk management must be carried out
risiko harus dilakukan oleh seluruh bagian organisasi dan by all parts of the organization and take into account the
memperhitungkan kepentingan dari seluruh stakeholders interests of all stakeholders of the organization.
organisasi.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Perseroan melakukan proses manajemen risiko, The Company conducts a risk management process,
yaitu proses identifikasi, penilaian, pemantauan serta namely the process of identifying, assessing, monitoring
pengendalian risiko secara berkala terhadap 9 (sembilan) and controlling risks on a regular basis against 9 (nine)
risiko utama Lembaga Jasa Keuangan Non-Bank main risks of Non-Bank Financial Services Institutions
(LJKNB). Kesembilan risiko tersebut meliputi risiko (LJKNB). The nine risks include strategic risk,
strategis, risiko operasional, risiko kredit, risiko pasar, operational risk, credit risk, market risk, liquidity risk,
risiko likuiditas, risiko hukum, risiko kepatuhan, risiko legal risk, compliance risk, reputation risk, and intra-
reputasi, dan risiko transaksi intra grup. Perseroan group transaction risk. The Company is incorporated into
tergabung ke dalam sebuah manajemen risiko terintegrasi, an integrated risk management, namely Astra Financial
yaitu Konglomerasi Keuangan Astra bersama lembaga Conglomeration together with other financial service
jasa keuangan lainnya di Grup Astra baik bank maupun institutions in Astra Group, both banks and non-banks.
non bank. Berikut adalah proses identifikasi, penilaian, The following is the process of identification, assessment,
pemantauan, dan pengendalian risiko yang dilakukan monitoring, and risk control carried out for each risk:
untuk setiap risiko:
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Type of Risk Causes Impact Mitigation Plan
Risiko Risiko akibat Kegagalan dalam Identifikasi risiko strategis dilakukan
Strategis ketidaktepatan dalam mengantisipasi perubahan terhadap kesesuaian strategi bisnis
Strategic pengambilan dan/ lingkungan bisnis. dengan kondisi lingkungan usaha,
Risk atau pelaksanaan suatu pilihan strategi (strategi berisiko
keputusan strategis. tinggi dan strategi berisiko rendah),
posisi strategis Perusahaan di
industri, dan pencapaian realisasi
bisnis Perusahaan.
The risk arising from Failure to anticipate Strategic risk identification is
inaccuracies in the changes in the business conducted to align business strategy
formulation and/or environment. with the business environment,
execution of a strategic strategic choices (high-risk and
decision. low-risk strategies), the Company’s
strategic position in the industry,
and the Company’s business
performance realization.
Risiko Risiko akibat Kerugian potensial Identifikasi dan pengukuran risiko
Operasional ketidakcukupan dan/ Perusahaan baik dari operasional dilakukan terhadap
Operational atau tidak berfungsinya segi financial maupun kompleksitas organisasi dan kegiatan
Risk proses internal, kesalahan opportunity untuk usaha, sumber daya manusia, sistem
manusia, kegagalan memperoleh keuntungan teknologi dan informasi, risiko
sistem, dan/atau adanya kehilangan kesempatan. kecurangan (fraud), gangguan
kejadian eksternal yang terhadap bisnis dan organisasi, serta
memengaruhi operasional tingkat interaksi dan ketergantungan
Perusahaan. Perusahaan.
The risk arising The potential losses to Identification and measurement
from inadequacies or the Company, both in of operational risks are conducted
malfunctioning of internal financial terms and in concerning organizational
processes, human errors, missed opportunities to complexity and business activities,
system failures, and/or gain profit, are significant. human resources, technological
external events impacting and information systems, fraud
the Company’s operations. risk, business and organizational
disruptions, as well as the level of
interaction and dependency of the
Company.
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Type of Risk Causes Impact Mitigation Plan
Risiko Risiko akibat kegagalan Kehilangan kesempatan Identifikasi dan pengukuran risiko
Kredit pihak lain dalam Perusahaan untuk kredit dilakukan terhadap strategi
Credit memenuhi kewajiban mendapat bunga, yang penyaluran pembiayaan, komposisi
Risk kepada Perusahaan. berakibat pada penurunan portofolio piutang pembiayaan
pendapatan. dan tingkat konsentrasi, kualitas
piutang pembiayaan dan kecukupan
pencadangan, dan faktor eksternal.
The risk arising from the The missed opportunity Identification and measurement of
failure of third parties to for the Company to accrue credit risk are performed concerning
fulfill their obligations to interest resulted in a financing distribution strategies,
the Company. decline in revenue. portfolio composition of receivables,
concentration levels, quality of
receivables, adequacy of provisions,
and external factors.
Risiko Risiko akibat perubahan Perubahan posisi aset, Identifikasi dan pengukuran risiko
Pasar secara keseluruhan dari liabilitas, ekuitas, dan/ pasar dilakukan terhadap strategi
Market kondisi pasar. atau rekening administratif dan kebijakan bisnis terkait dengan
Risk termasuk transaksi risiko pasar; volume dan komposisi
derivative Perusahaan. portofolio aset yang terekspos risiko
pasar; serta volume dan komposisi
portofolio liabilitas yang terekspos
risiko pasar.
The risk arising from Changes in asset positions, Identification and measurement
overall market condition liabilities, equity, and/or of market risks are conducted
changes. administrative accounts, concerning the strategies and
including derivative business policies associated with
transactions of the market risks; the volume and
Company. composition of asset portfolios
exposed to market risks; and the
volume and composition of liability
portfolios exposed to market risks.
Risiko Risiko akibat Kerugian potensial Identifikasi dan pengukuran risiko
Likuiditas ketidakmampuan Perusahaan baik dari likuiditas dilakukan terhadap
Liquidity Perusahaan untuk segi financial maupun komposisi aset dan liabilitas jangka
Risk memenuhi liabilitas yang opportunity untuk pendek termasuk transaksi rekening
jatuh tempo dari sumber memperoleh keuntungan. administratif, pengelolaan arus
pendanaan arus kas dan/ kas, kerentanan pada kebutuhan
atau dari aset likuid yang pendanaan, dan akses pada sumber
dapat dengan mudah pendanaan.
dikonversi menjadi
kas, tanpa mengganggu
aktivitas dan kondisi
keuangan Perusahaan.
The risk arising from the The potential losses to Identification and measurement
Company’s inability to the Company, both in of liquidity risk are conducted
meet maturing liabilities financial terms and in concerning the composition of short-
from cash flow funding missed opportunities for term assets and liabilities, including
sources and/or readily profit. administrative account transactions,
convertible liquid assets, cash flow management, funding
without disrupting the needs vulnerability, and access to
Company’s activities and funding sources.
financial condition.
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Type of Risk Causes Impact Mitigation Plan
Risiko Risiko akibat tuntutan Perusahaan dikenai Identifikasi dan pengukuran
Hukum hukum dan/atau sanksi administratif, baik risiko hukum dilakukan terhadap
Legal kelemahan aspek hukum. denda, surat peringatan, ketiadaan atau perubahan peraturan
Risk pemberhentian kegiatan perundang-undangan, kelemahan
usaha, pembekuan usaha, dalam perikatan atau kerja sama, dan
hingga pencabutan usaha. proses penyelesaian sengketa.
The risk arising from The Company may face Identification and measurement of
legal claims and/or legal various administrative legal risks are conducted concerning
vulnerabilities. sanctions, including fines, regulatory absence or alterations,
warnings, suspension weaknesses in agreements or
of operations, business collaborations, and dispute
closure, or revocation of resolution processes.
its operating license.
Risiko Risiko akibat Perusahaan Menurunnya reputasi Identifikasi dan pengukuran risiko
Kepatuhan tidak mematuhi dan/ atau citra Perusahaan di kepatuhan dilakukan terhadap jenis
Compliance atau tidak melaksanakan mata masyarakat atau dan signifikansi pelanggaran yang
Risk peraturan perundang- konsumen. dilakukan, frekuensi pelanggaran
undangan dan ketentuan. (termasuk sanksi) atau track
record kepatuhan Perusahaan dan
pelanggaran terhadap ketentuan
peraturan perundang-undangan atau
standar bisnis yang berlaku umum,
dan tindak lanjut atas pelanggaran.
The risk arising from The decline in the Identification and measurement
the Company’s non- Company’s reputation or of compliance risks are conducted
compliance and/or failure image in the eyes of the concerning the nature and significance
to adhere to statutory public or consumers. of infractions, the frequency of
regulations and provisions. 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 Risiko akibat menurunnya Menimbulkan persepsi Identifikasi dan pengukuran risiko
Reputasi tingkat kepercayaan negatif dari masyarakat dilakukan terhadap pengaruh
Reputation pemangku kepentingan dan konsumen terhadap reputasi pengurus, pemilik, dan
Risk yang bersumber dari bisnis Perusahaan. grup; pelanggaran etika bisnis;
persepsi negatif terhadap kompleksitas produk dan kerja sama
Perusahaan. bisnis; frekuensi, materialitas, dan
eksposur pemberitaan negatif; serta
frekuensi dan materialitas keluhan
debitur atau konsumen.
The risk arising from the Eliciting negative Identification and measurement
decline in stakeholder perceptions from both of risks are conducted concerning
trust levels stemming from the public and consumers the influence on executive, owner,
negative perceptions of the regarding the Company’s and group reputations; breaches of
Company poses a risk. business. business ethics; product complexity
and business collaborations; the
frequency, materiality, and exposure
of negative publicity; as well as the
frequency and materiality of debtor
or consumer complaints.
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Jenis Risiko Penyebab Akibat Rencana Mitigasi
Type of Risk Causes Impact Mitigation Plan
Risiko Risiko akibat Pengaruh terhadap Pemantauan dan pengendalian risiko
Transaksi ketergantungan suatu pemenuhan kewajiban dilakukan dengan memperkuat
Intragrup entitas baik secara perjanjian tertulis koordinasi antar intra-group
Intragroup langsung maupun tidak maupun perjanjian tidak dengan menginformasikan masing-
Transaction langsung terhadap entitas tertulis baik yang diikuti masing eksposure secara berkala
Risk lainnya dalam satu perpindahan dana dan/atau sesuai dengan kondisinya dengan
Konglomerasi Keuangan. tidak diikuti perpindahan mempertimbangkan antara lain
dana. kondisi keuangan dan sumber daya
manusia, sehingga dampak negatif
ataupun ketergantungan yang
disebabkan oleh transaksi ini dapat
diminimalisasi.
The risk arising from The impact on fulfilling Risk monitoring and control are
an entity’s dependency, obligations under both enhanced through strengthened
whether direct or indirect, written and unwritten intra-group coordination, providing
on other entities within a agreements, whether regular updates on each exposure
Financial Conglomeration. accompanied by fund in accordance with its condition,
transfers or not. considering factors such as financial
condition and human resources. This
minimizes negative impacts and
dependencies resulting from these
transactions.
Tantangan dan Permasalahan Challenges and Issues in
Penerapan Keuangan Berkelanjutan Implementing Sustainable Finance
Kegiatan bisnis Perseroan tidak terlepas dari tantangan dan The Company’s business activities are inseparable from
permasalahan yang dihadapi, termasuk dalam penerapan present challenges and problems, including implementing
keuangan berkelanjutan. Tantangan dan permasalahan sustainable finance. These challenges and issues include
ini mencakup kegiatan operasional dari Perseroan dan the operational activities of the Company and other
kondisi eksternal lainnya di antaranya sebagai berikut: external conditions including, the following:
Tantangan dan Permasalahan Upaya yang Dilakukan
Challenges and Issues Efforts Made
Pemahaman sumber daya manusia • Melakukan benchmarking terkait penerapan pengembangan produk
(SDM) terkait implementasi keuangan berkelanjutan
keuangan berkelanjutan yang perlu • Melaksanakan pelatihan eksternal terhadap karyawan terkait keuangan
terus ditingkatkan berkelanjutan
• Melaksanakan kampanye dalam bentuk poster, video, webinar terkait
keuangan berkelanjutan yang melibatkan seluruh karyawan, manajemen,
dan pengurus Perusahaan
Understanding of human resources • Conduct benchmarking related to the implementation of sustainable finance
(HR) related to the implementation product development.
of sustainable finance that needs to • Conducting external training for employees related to sustainable finance
be continuously improved • Carry out campaigns in the form of posters, videos, and webinars related to
sustainable finance involving all employees, management, and management
of the Company
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Tantangan dan Permasalahan Upaya yang Dilakukan
Challenges and Issues Efforts Made
Pasar penjualan produk keuangan Menyesuaikan fitur dan skema produk sehingga dapat sesuai dengan
berkelanjutan yang masih terbatas permintaan pasar
Limited sales market for Adjust product features and schemes so that they can match market demand
sustainable finance products
Tingginya dinamika pasar dalam Melakukan kerja sama dengan mitra lain, khususnya dengan grup Astra
merespons pentingnya aspek LST
High market dynamics in Collaborating with other partners, especially with the Astra group
responding to the importance of
ESG aspects
Risiko dari perubahan peraturan Mengembangkan sistem manajemen risiko yang secara berkala disesuaikan
yang dikeluarkan oleh regulator
dan pemerintah
Risk from regulatory changes Develop a risk management system that is regularly adjusted
issued by regulators and
government
Implementasi pembiayaan aktivitas Mengembangkan manajemen risiko pada pembiayaan perusahaan yang
ekonomi menuju emisi nol karbon mengedepankan aktivitas ekonomi dengan emisi nol karbon
Implementation of financing Develop risk management on corporate financing that emphasizes economic
economic activities towards zero activities with zero carbon emissions
carbon emissions
Etika Bisnis [3-3] Business Ethics [3-3]
Dalam rangka menumbuhkan citra dan reputasi positif, To foster a good image and positive reputation, the
Perseroan menetapkan Kode Etik yang merupakan bagian Company established a Code of Ethics, part of the
dari Pedoman Tata Kelola. Kode Etik berlaku sebagai Corporate Governance Guidelines. The Code of Ethics
pedoman seluruh karyawan untuk terus bertumbuh dan serves as a guideline for all employees to continue to
meraih berbagai pencapaian membanggakan melalui grow and achieve various proud achievements through
keteraturan dalam bersikap, berperilaku, dan berhubungan regularity in attitude, behavior, and relationships with
dengan lingkungan serta pihak-pihak yang terkait dalam the environment and parties involved in the Company’s
operasionalisasi bisnis Perseroan. business operations.
Perseroan menerapkan praktik antikorupsi dan The Company implements anti-corruption and anti-
antipenyuapan dengan menetapkan etika usaha yang bribery practices by establishing business ethics based on
berlandaskan pedoman etika bisnis dan etika kerja the business and work ethics guidelines in its Corporate
dalam Tata Kelola Perusahaan yang terakhir diperbarui Governance, which was last updated on 13 February
pada 13 Februari 2023. Penetapan Kode Etik ini sesuai 2023. The establishment of this Code of Ethics is in
dengan POJK No.30/POJK.05/2014 Jo. POJK No.29/ accordance with POJK No.30/POJK.05/2014 Jo. POJK
POJK.05/2020 tentang Tata Kelola Perusahaan yang Baik No.29/POJK.05/2020 on Good Corporate Governance for
bagi Pembiayaan. Selain itu, FIFGROUP juga menerapkan Financing. In addition, FIFGROUP also implements ISO
ISO 37001:2016 terkait sistem manajemen antipenyuapan 37001:2016 related to anti-bribery management system
yang mencakup implementasi program dan prosedur which includes the implementation of programs and
dalam mengatasi praktik korupsi, balas jasa (kickbacks), procedures in addressing corruption, kickbacks, fraud,
fraud, suap dan/atau gratifikasi. bribery and/or gratuities.
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
SAY YES TO 6 DONT’S
Extortion Kickbacks Bribery Conflict of Illegal Payment
(Pemerasan) (Pembayaran (Penyuapan) Interest Gratification Facilitating
Komisi pada (Benturan (Gratifikasi (Pembayaran
penerima suap) Kepentingan) Ilegal) Fasilitas)
Perseroan juga menerapkan nilai-nilai integritas melalui The company also applies integrity values through
prinsip SAY YES TO 6 DONT’S yaitu extortion the principle of SAY YES TO 6 DONT’S, namely
(pemerasan), kickbacks (pembayaran komisi pada extortion, kickbacks, bribery, conflict of interest, illegal
penerima suap), bribery (penyuapan), conflict of interest gratification, and payment facilitating. As a preventive
(benturan kepentingan), illegal gratification (gratifikasi measure, FIFGROUP conducts fraud risk assessments on
illegal), dan payment facilitating (pembayaran fasilitas). every function of all (100%) business activities, conducts
Sebagai bentuk pencegahan, FIFGROUP membuat fraud intensive periodic socialization, and enhances supervision
risk assessment pada setiap fungsi dari seluruh (100%) processes to system design implementation. Throughout
kegiatan usaha, melakukan sosialisasi intensif secara 2023, the Company successfully organized socialization
berkala, dan meningkatkan proses pengawasan hingga and training for all employees, both at the headquarters
implementasi desain sistem. Sepanjang tahun 2023, and branch offices 15 times. [205-1][205-2]
Perseroan berhasil menyelenggarakan sosialisasi dan
pelatihan kepada seluruh karyawan baik di kantor pusat
maupun kantor cabang sebanyak 15 kali. [205-1][205-2]
Perseroan melakukan upaya tersebut untuk The company undertakes these efforts to identify, review,
mengidentifikasi, menelaah, dan mengawasi kebijakan and oversee the policies that have been established to
yang telah disusun guna mencegah dan mendeteksi prevent and detect irregularities. FIFGROUP also provides
ketidakwajaran. FIFGROUP juga menyediakan saluran channels that can be used by stakeholders to report any
yang dapat digunakan oleh para pemangku kepentingan suspicious activities, fraudulent actions, and violations of
untuk menyampaikan informasi maupun laporan segala laws, company regulations, articles of association, code
kegiatan yang mencurigakan, tindakan kecurangan, dan of ethics, and conflicts of interest that could harm the
pelanggaran terhadap hukum, peraturan Perusahaan, Company through FIFGROUP Integrity for Sustainability
anggaran dasar, kode etik serta benturan kepentingan (FIFTrust). As of December 31, 2023, there were 8
yang dapat merugikan Perseroan melalui FIFGROUP complaints, all of which (100%) have been addressed.
Integrity for Sustainability (FIFTrust). Hingga 31 More detailed information regarding the whistleblowing
Desember 2023, terdapat 8 pengaduan dan seluruhnya system can be accessed in the 2023 Annual Report. [2-16]
(100%) telah selesai ditindaklanjuti. Informasi lebih detail [2-26][205-1]
terkait whistleblowing system dapat diakses pada Laporan
Tahunan 2023. [2-16][2-26][205-1]
Jumlah Kasus | Total Cases
Status Pengaduan
Complaint Status 2023 2022 2021
Selesai 8 23 25
Completed
Telah sesuai melalui proses hukum 0 0 0
Has passed through the legal process
Dalam proses 0 0 0
On Process
Belum 0 0 0
Incomplete
Jumlah Fraud 8 23 25
Total Fraud
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
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
Pelibatan Pemangku Kepentingan [2-29] Stakeholder Engagement [2-29]
FIFGROUP telah mengidentifikasi seluruh pemangku FIFGROUP has identified all stakeholders based on their
kepentingan berdasarkan kedekatan dan dampak proximity and impact on the Company. FIFGROUP
pengaruhnya terhadap Perseroan. FIFGROUP terus continues to improve the involvement of all stakeholders
berupaya meningkatkan keterlibatan seluruh pemangku in various engagement methods.
kepentingan dalam berbagai metode pelibatan.
Metode Pelibatan Frekuensi Pertemuan Topik
Involvement Meeting Frequency Topic
Pemegang Saham | Shareholder
• Rapat Umum Pemegang Saham • Minimal satu kali per • Pemantauan dan evaluasi kinerja Perusahaan
(RUPS) tahun • Pembayaran deviden
• Corporate Review • Minimal tiga kali setahun • Akurasi Laporan Keuangan Perusahaan
• Management walk through • Minimal satu kali per • Kinerja Keberlanjutan
tahun
• General Meetings of • At least once a year • Monitoring and evaluating the Company’s
Shareholders • At least three times a performance
• Corporate Review year • Dividend payment
• Management walk through • At least once a year • Accuracy of the Company’s financial report
• 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 • Kepatuhan kepada peraturan dan perundang-
• Pelaporan lainnya sesuai dengan tahun undangan
ketentuan yang berlaku kepada • Sesuai Kebutuhan • Keuangan Berkelanjutan
regulator
• Coordination meetings • As needed • Regulatory developments in Indonesia’s
• Sosialization • As needed financing sector
• Sustainable Finance Action Plan • At least once a year • Compliance with laws and regulations
submission to the Financial • As needed • Sustainable Finance
Services Authority
• Other reporting to regulators
according to the regulations
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Metode Pelibatan Frekuensi Pertemuan Topik
Involvement Meeting Frequency Topic
Karyawan | Employee
• Pembentukan Ikatan Karyawan Sesuai Kebutuhan • Informasi hak-hak normatif
FIFGROUP (IKAFIF) Sesuai • Penyelesaian keluh kesah karyawan
Kebutuhan • Jaminan peningkatan happiness index
• Pertemuan dengan manajemen karyawan
• Management walk through
• Employee association As needed • Information on normative rights
establishment (IKAFIF) as needed • Resolution of employee grievances
• Meetings with the management • Assurance of improving the happiness index
• Management walk through of employees
Pelanggan | Customer
Pertemuan dengan Pelanggan Minimal satu kali per tahun Sosialisasi program dan kegiatan marketing
Meetings with customers At least once a year Socialization of marketing programs and activities
Survei Kepuasan Pelanggan Minimal satu kali per tahun Pengukuran kepuasan pelanggan atas layanan
Customer Satisfaction Survey At least once a year Perseroan
Customer satisfaction measurement
Layanan Pembiayaan Sesuai kebutuhan Layanan pembiayaan sesuai kebutuhan pelanggan
Financing Services pelanggan dan ketentuan dan ketentuan Perseroan
Perseroan Financing services as needed by customers and
As needed by customers company’s regulation
and Company’s regulation
Mitra Kerja | Work Business
• Pelaksanaan proses procurement Sesuai kebutuhan mitra • Perolehan kontrak dan pembayaran tepat
• Pertemuan dengan mitra kerja kerja dan ketentuan waktu
Perseroan • Kerjasama yang baik dan berkelanjutan
• Procurement processes As needed by work • Contract acquisition and timely payment
• Meetings with business partners partners and Company’s • Good and sustainable cooperation
regulation
Masyarakat | Community
Pelaksanaan program Tanggung Sesuai kebutuhan • Program TJSL yang direncanakan dan
Jawab Sosial & Lingkungan dilaksanakan
(TJSL) • Pelaksanaan Program Jam Sosial Mengajar
untuk literasi dan inklusi keuangan
• Penyediaan kesempatan kerja sesuai
kebutuhan
Implementation of Corporate As needed • CSR programs
Social Responsibility (CSR) • Implementation of Program Jam Sosial
Mengajar for financial literacy and
inclusion
• Employment opportunities as necessary
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
KINERJA EKONOMI
ECONOMIC PERFORMANCE
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
PERTUMBUHAN PEMBIAYAAN
BERKELANJUTAN
GROWTH OF SUSTAINABLE FINANCING
Melalui pertumbuhan pembiayaan yang positif, FIFGROUP dapat berkontribusi secara berkelanjutan
kepada masyarakat dan lingkungan serta menjadi pondasi untuk menerapkan keuangan berkelanjutan yang
berlangsung dalam jangka panjang dengan tetap bersaing melalui pembiayaan produk-produk maupun
kegiatan usaha berkelanjutan (KKUB).
Through positive financing growth, FIFGROUP can contribute sustainably to society and the environment,
serving as a foundation for implementing long-term sustainable finance while remaining competitive through
sustainable product financing and business activities (KKUB).
FIFGROUP membukukan pertumbuhan kinerja positif In 2023, FIFGROUP recorded positive performance
sepanjang tahun 2023 dengan jumlah pendapatan sebesar growth with total revenue amounting to Rp10,416,484
Rp10.416.484 juta atau naik 16,21% secara year-on- billion, representing a 16.21% year-on-year (yoy) increase
year (yoy) dibandingkan pada tahun 2022. Untuk laba compared to 2022. The net profit for 2023 amounted to
bersih pada tahun 2023 yakni sebesar Rp4.107.391 juta, Rp4,107,391 billion, marking a 29.42% (yoy) increase
meningkat 29,42% (yoy) dibandingkan pada tahun 2022. compared to 2022. Additionally, the number of bookings
Selain itu, jumlah pemesanan (booking unit) mencapai reached 3,156,205 units, rising by 15.01% (yoy) compared
3.156.205 unit atau naik 15,01% (yoy) dibandingkan pada to 2022, supported by five FIFGROUP business lines:
tahun 2022 yang didukung oleh lima lini bisnis FIFGROUP multipurpose financing (DANASTRA), multi-product
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
yaitu pembiayaan sepeda motor baru (FIFASTRA), financing (SPEKTRA), productive micro business
pembiayaan multi produk (SPEKTRA), pembiayaan financing (FINATRA), and sharia financing (AMITRA).
multiguna (DANASTRA), pembiayaan mikro produktif
(FINATRA), dan pembiayaan syariah (AMITRA).
Strategi lainnya dalam menumbuhkan pembiayaan yang Another strategy in growing sustainable financing, the
berkelanjutan, Perseroan terus mengembangkan bisnis Company continues to develop its business through
melalui inovasi layanan digital, keberagaman produk, dan digital service innovation, product diversity, and attractive
promo menarik untuk para pelanggan. promos for customers.
PERBANDINGAN TARGET KINERJA DAN REALISASI
COMPARISON BETWEEN TARGET AND ACTUAL PERFORMANCE
Disajikan dalam jutaan Rupiah Presented in millions of Rupiah
2023 2022 2021
Uraian Description
Target Realisasi Target Realisasi Target Realisasi
Target Realization Target Realization Target Realization
Pendapatan 9.456.283 10.416.484 8.652.500 8.963.160 8.684.391 8.840.422 Revenues
Laba Bersih 3.278.935 4.107.391 2.665.718 3.173.660 1.862.434 2.467.407 Net Income
NILAI EKONOMI LANGSUNG YANG DIHASILKAN DAN DIDISTRIBUSIKAN [201-1]
ECONOMIC VALUE GENERATED AND DISTRIBUTED
Disajikan dalam jutaan Rupiah Presented in millions of Rupiah
Uraian 2023 2022 2021 Description
Nilai Ekonomi Dihasilkan Economic Value Generated
Pendapatan Bunga 10.399.842 8.947.575 8.827.480 Interest income
Pendapatan Operasional 16.642 15.585 12.942 Other operating income
lainnya
Total Pendapatan 10.416.484 8.963.160 8.840.422 Total Revenue
Nilai Ekonomi Economic Value
Didistribusikan Distributed
Biaya Operasional 714.358 714.149 746.588 Operating Costs
Gaji Karyawan dan 1.343.819 1.208.794 1.213.838 Salaries and Benefits
Tunjangan
Pembayaran kepada 5.547.655 2.635.616 2.604.974 Payment to Funders
Penyandang Dana
Pembayaran kepada 1.315.097 1.018.203 811.316 Payment to the Government
Pemerintah
Investasi untuk Komunitas 15.726 17.022 20.649 Investment for the
(TJSL) Community (CSR)
Total Distribusi Nilai 8.936.655 5.593.784 5.397.365 Total Economic Value
Ekonomi Distributed
Nilai Ekonomi Ditahan Economic Value Retained
(Jumlah Ekonomi (Total Economic Value
Dihasilkan - Jumlah Nilai Generated – Total Economic
Ekonomi Didistribusikan) Value Distributed)
Jumlah Ekonomi Ditahan 1.479.829 3.369.376 3.443.057 Total Economic Value
Retained
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Perseroan juga mengukur capaian dari penerapan The Company also measures the achievement of
keuangan berkelanjutan/sustainable finance melalui sustainable finance through credit and portfolio
pengelolaan kredit dan portofolio termasuk KKUB serta management, including SFAP and implementing SFAP. In
mengimplementasikan RAKB. Dalam proses manajemen the process of managing the SFAP, FIFGROUP develops
portofolio KKUB, FIFGROUP mengembangkan sustainable financial products starting from the feasibility
produk keuangan berkelanjutan dimulai dari proses study, blueprint, product, sales plan, development of
penyusunan feasibility study, blueprint, produk, sales Standard Operational Procedures for sustainable financial
plan, pengembangan Standard Operational Procedure products, and operating business operations included
untuk produk keuangan berkelanjutan dan menjalankan in the sustainable business plan. Throughout 2023, the
operasional bisnis yang masuk dalam perencanaan largest amount of sustainable finance was allocated to
KKUB. Sepanjang tahun 2023, jumlah pembiayaan SME activities, totaling Rp1,049,714,015,837.
KKUB terbesar pada kategori kegiatan UMKM dengan
total Rp1.049.714.015.837.
PORTOFOLIO KRITERIA KEGIATAN USAHA BERKELANJUTAN
PORTFOLIO CRITERIA FOR SUSTAINABLE BUSINESS ACTIVITIES
Uraian 2023 2022 2021
Description
Jumlah produk yang memenuhi Kategori Kegiatan
Usaha Berkelanjutan (KKUB)
Number of products meeting the sustainable (Rp)
financing categories (KKUB)
a. Penghimpunan Dana 0 0 0
Funding
b. Penyaluran Dana 0 0 0
Lending
Total Aset Produktif Kegiatan Usaha Berkelanjutan
(Rp)
Total earning assets for sustainable business activities
a. Total Pembiayaan Kegiatan Usaha Berkelanjutan 0 0 0
Total Financing
b. Total Non-Pembiayaan Non-Kegiatan Usaha 0 0 0
Berkelanjutan
Total Non- Financing
Persentase total pembiayaan kegiatan usaha
berkelanjutan terhadap total pembiayaan (%) 0 0 0
Percentage of total sustainable loans/financing to total (%)
Jumlah dan kualitas pembiayaan berdasarkan
Kategori Kegiatan Usaha Berkelanjutan (KKUB)
(Rp)
Total and quality of financing by Category of
Sustainable Business Activities (KKUB)
a. Energi terbarukan 0 0 0
Renewable energy
b. Efisiensi Energi 0 0 0
Energy Efficiency
c. Pencegahan dan pengendalian polusi 0 0 0
Pollution prevention and control
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Uraian 2023 2022 2021
Description
d. Pengelolaan sumber daya alam hayati dan 0 0 0
penggunaan lahan yang berkelanjutan
Sustainable management of living natural resources
and land use
e. Konservasi keanekaragaman hayati darat dan air 0 0 0
Conservation of terrestrial and aquatic biodiversity
f. Transportasi ramah lingkungan 30.722.540.290 11.282.029.399 15.485.195.649
Environmentally friendly transportation
g. Pengelolaan air dan air limbah yang berkelanjutan 0 0 0
Sustainable water and wastewater management
h. Adaptasi perubahan iklim 0 0 0
Climate change adaptation
i. Produk yang dapat mengurangi penggunaan 0 0 0
sumber daya dan menghasilkan lebih sedikit polusi
(Eco-efficient)
Products that can reduce resource use and produce
less pollution (Eco- efficient)
j. Bangunan berwawasan lingkungan yang memenuhi 0 0 0
standar atau sertifikasi yang diakui secara nasional,
regional, atau internasional
Environmentally sound buildings that meet
nationally, regionally, or internationally recognized
standards or certifications
k. Kegiatan usaha dan/ atau kegiatan lain yang 0 0 0
berwawasan lingkungan lainnya
Business activities and/or other environmentally
sound activities
l. Kegiatan UMKM 1.049.714.015.837 295.728.661.776 0
MSME activities
m. Kegiatan UMKM (Syariah) 0 1.121.810.000 2.962.170.000
MSME activities (Sharia)
Dalam implementasi keuangan berkelanjutan, FIFGROUP In the implementation of sustainable finance, FIFGROUP
mengoptimalkan pengelolaan portofolio kredit optimizes the management of its credit portfolio with
berwawasan lingkungan, sosial, dan tata kelola (LST). environmental, social, and governance (ESG) perspectives.
Pengelolaan portofolio dimulai dari mengidentifikasi Portfolio management begins with identifying credit
portofolio kredit yang sesuai dengan KKUB, portfolios that match the CEB, considering the impact of
mempertimbangkan dampak dari setiap tindakan yang each action taken on the living and social environment,
dilakukan terhadap lingkungan hidup dan sosial, serta and periodically measuring the impact given. In addition,
mengukur secara berkala dampak yang diberikan. Selain FIFGROUP has also formulated policies as a financing
itu, FIFGROUP juga telah menyusun kebijakan sebagai guideline, setting sustainable financial credit portfolio
pedoman pembiayaan, menetapkan target pertumbuhan growth targets that are in line with government and SDG
portofolio kredit keuangan berkelanjutan yang sejalan targets.
dengan pemerintah dan target TPB.
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Pencapaian kinerja ekonomi dipengaruhi oleh beberapa Several internal and external factors influence the
faktor baik secara internal maupun eksternal. Salah satu achievement of economic performance. One of the external
kondisi eksternal yang dapat mempengaruhi kinerja conditions that can affect the Company’s economic
ekonomi Perseroan yaitu kondisi iklim dan sosial. performance is climate and social conditions. The increase
Kenaikan suhu permukaan bumi berdampak tidak in the earth’s surface temperature indirectly impacts
langsung akan perubahan pola konsumsi, kegiatan usaha, changes in consumption patterns, business activities, and
dan risiko lainnya. Meskipun demikian, FIFGROUP telah other risks. Nevertheless, FIFGROUP has identified that
mengidentifikasi sepanjang tahun 2023 tidak ada kerugian throughout 2023, there will be no significant losses due
signifikan akibat perubahan iklim, namun Perseroan tetap to climate change. Nonetheless, the Company continues
mencermati dan menganalisis risiko pembiayaan yang to monitor and analyze financing risks that may have a
memberikan dampak negatif pada risiko iklim. [201-2] negative impact on climate risks. [201-2]
Perseroan rutin memberikan laporan kinerja keuangan The Company regularly provides financial performance
kepada lembaga keuangan setiap kuartal (tidak diaudit) reports to financial institutions every quarter (unaudited)
dan laporan kinerja keuangan tahunan yang diaudit. and audited annual financial performance reports.
FIFGROUP juga patuh terhadap kebijakan pemerintah FIFGROUP also adheres to other government policies
lainnya termasuk dalam membayar pajak dan retribusi including paying taxes and other remuneration such as
lain seperti pembayaran Pajak dan Penerimaan Negara tax payments and non-tax State receipts (PNBP). The
Bukan Pajak (PNBP). Perseroan melibatkan pemangku Company involves stakeholders in the development of tax
kepentingan dalam pengembangan sistem pajak, legislasi, systems, legislation, and administration that potentially
dan administrasi yang berpotensi mempengaruhi reputasi affect its reputation and position of trust. Tax compliance
dan posisi kepercayaannya. Kepatuhan pajak diawasi is overseen by the Finance Director, who maintains
oleh Direktur Keuangan yang selalu berkomunikasi dan communication and involvement with local tax offices.
melibatkan kantor pajak setempat. Sepanjang tahun 2023, Throughout 2023, FIFGROUP paid compensation to
FIFGROUP membayar imbal jasa pekerjaan kepada employees in accordance with regulations, and the
karyawan sesuai peraturan dan Perseroan tidak menerima Company did not receive financial assistance or support
bantuan atau pendampingan finansial dari pemerintah from the Indonesian government. [201-4][207-1][207-2][207-3]
Indonesia. [201-4][207-1][207-2][207-3][207-4] [207-4]
Untuk informasi lebih lanjut mengenai kinerja ekonomi For more information on the Company’s economic
Perseroan dapat diakses pada situs web dan Laporan performance, please refer to our website and 2023 Annual
Tahunan 2023. Report.
Rantai Pasokan [2-6] Supply Chain [2-6]
Pemasok merupakan salah satu mitra yang menjadi Suppliers are partners that are stakeholders in the
pemangku kepentingan Perseroan. Untuk itu, FIFGROUP Company. To that end, FIFGROUP continues to improve
terus meningkatkan proses rantai pasokan yang profesional, professional, quality, transparent, and secure supply chain
berkualitas, transparan, dan aman guna mewujudkan processes for sustainable finance. This supply chain
keuangan berkelanjutan. Rantai pasok ini meliputi seluruh covers the entire process of the Company’s goods and
proses pengadaan barang dan jasa Perseroan. FIFGROUP services procurement. In selecting suppliers, FIFGROUP
dalam menentukan pemasok, menetapkan serangkaian establishes a series of processes, including supplier
proses termasuk melakukan seleksi pemasok yang patuh selection criteria compliant with regulations regarding
akan regulasi pada aspek lingkungan, sosial, dan tata environmental, social, and governance aspects. If there
kelola. Apabila terdapat dampak negatif pada rantai are any negative impacts within the supply chain, the
pasok, Perseroan akan melakukan tindakan sesuai dengan Company will take actions in accordance with existing
peraturan yang ada. regulations.
Hingga akhir tahun 2023, total pemasok FIFGROUP By the end of 2023, the total number of suppliers for
mencapai 7.024 pemasok. Dari total tersebut seluruhnya FIFGROUP reached 7,024, with all (100%) being local
(100%) merupakan pemasok lokal. Sepanjang periode ini suppliers. Throughout this period, there were no negative
juga tidak ada dampak negatif termasuk teridentifikasi impacts observed in our supply chain, including identified
pekerja anak atau pekerja paksa yang terjadi pada rantai child labor or forced labor. [204-1][308-1][308-2][408-1][409-1]
pasok kami. [204-1][308-1][308-2][408-1][409-1][414-1][414-2] [414-1][414-2]
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
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ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
KINERJA KEBERLANJUTAN
SUSTAINABILITY PERFORMANCE
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
MENCIPTAKAN
KARYAWAN UNGGUL
CREATING EXCELLENT EMPLOYEES
FIFGROUP menciptakan lingkungan kerja yang aman, sehat, dan inklusif dengan terus mengembangkan
talenta-talenta yang unggul melalui pelatihan dan pendidikan. Hal ini bertujuan untuk mengembangkan
keterampilan karyawan sehingga mampu menjadi karyawan terbaik dan berkontribusi dalam meningkatkan
pertumbuhan bisnis Perusahaan serta kesejahteraan lingkungan dan masyarakat.
FIFGROUP creates a safe, healthy, and inclusive work environment by continuously developing excellent
talents through training and education. The goal is to equip employees with the necessary skills so that they
can become the best professionals and contribute to the growth of the company’s business, as well as the
welfare of the environment and society.
Mengenal Karyawan Kami [2-7][2-8] Getting to Know Our Employees [2-7][2-8]
Komposisi dan demografi karyawan Perseroan telah The Company has determined the composition and
ditentukan berdasarkan kebutuhan korporasi terkait demographics of its employees based on its performance
performa dan strategi yang telah disusun. Per 31 Desember and strategies. As of 31 December 2023, the Company
2023, Perseroan mencatat keseluruhan jumlah karyawan recorded a total of 13,801 employees. This number has
sebanyak 13.801 orang. Jumlah ini mengalami penurunan decreased of 1.15% from the previous year recorded as
sebesar 1,15% dari tahun sebelumnya yang tercatat many as 13,961 employees. This decline occurred because
sebanyak 13.961 karyawan. Penurunan ini terjadi karena the Company consistently optimizes business processes
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Perseroan senantiasa mengoptimalkan proses bisnis dan and increases productivity through digital innovation and
meningkatkan produktivitas melalui pengembangan process improvement.
inovasi digital dan perbaikan proses.
Sepanjang tahun 2023, FIFGROUP juga menerima Throughout 2023, FIFGROUP also welcomed new
karyawan baru sebanyak 1.991 karyawan, yang terdiri dari employees totaling 1,991 employees, consisting of 1,414
1.414 karyawan laki-laki dan 577 karyawan perempuan. male employees and 577 female employees. Meanwhile,
Sementara itu, tingkat perputaran karyawan mencapai the employee turnover rate reached 15.50% with a total of
15,50% dengan jumlah karyawan yang meninggalkan 2,151 employees leaving the Company due to retirement,
Perseroan sebanyak 2.151 karyawan yang disebabkan oleh health, career, or family reasons. [401-1]
alasan pensiun, kesehatan, karier, atau keluarga. [401-1]
JUMLAH KARYAWAN MENURUT JENIS KELAMIN
NUMBER OF EMPLOYEES BY GENDER
Jenis Kelamin
2023 2022 2021
Gender
Laki-laki 11.618 12.104 12.522
Male
Perempuan 2.183 1.857 1.757
Female
TOTAL 13.801 13.961 14.279
JUMLAH KARYAWAN MENURUT JABATAN
NUMBER OF EMPLOYEES BY POSITION
Jabatan 2023 2022 2021
Position
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female
Managerial* 58 18 60 19 59 21
Managerial
Non – Managerial 11.560 2.165 12.044 1.838 12.463 1.736
Non – Managerial
TOTAL 11.618 2.183 12.104 1.857 12.522 1.757
* Managerial terdiri dari Direksi, Division Head, Department Head dan * Managerial employees consist of Directors, Division Heads, Department
Sub Department Head. Sebanyak 98,7% dari total karyawan managerial Heads and Sub Department Heads. 98.7% of the total managerial
adalah masyarakat lokal. [202-2] employees are local people. [202-2]
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
JUMLAH KARYAWAN MENURUT USIA
NUMBER OF EMPLOYEES BY AGE
Usia (Tahun)
2023 2022 2021
Age (Years)
>55 1 2 5
46-55 552 513 466
36-45 3.688 3.615 3.561
26-35 7.248 7.298 7.425
18-25 2.312 2.533 2.822
TOTAL 13.801 13.961 14.279
JUMLAH KARYAWAN MENURUT PENDIDIKAN
NUMBER OF EMPLOYEES BY EDUCATION
Pendidikan
2023 2022 2021
Education
Magister 47 30 27
Post Graduate
Sarjana 5.120 4.641 4.336
Bachelor’s
Diploma 1.292 1.325 1.366
Diploma
SMU 7.317 7.937 8.534
Senior High School
SMP/SD 25 28 16
Junior High School/
Elementary School
TOTAL 13.801 13.961 14.279
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ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
KOMPOSISI KARYAWAN BARU BERDASARKAN WILAYAH DAN JENIS KELAMIN [401-1]
NEW EMPLOYEE COMPOSITION BY REGIONAL AND GENDER COMPOSITION
Wilayah 2023
Regional Laki-laki | Male Perempuan | Female
Jakarta | Jakarta 227 24
Luar Jakarta | Outside Jakarta 1.187 553
TOTAL 1.414 577
TINGKAT PERPUTARAN (TURNOVER) KARYAWAN [401-1]
EMPLOYEE TURNOVER RATE
Uraian
Description 2023
Karyawan Masuk | New Hires 1.991
Karyawan Keluar | Employees Leaving 2.151
Rasio Perputaran Karyawan | Employee Turnover Ratio 15,50%
Kesejahteraan dan Employee Welfare
Kesetaraan Karyawan [3-3] and Equality [3-3]
Karyawan merupakan insan penggerak utama dalam Employees are the main driving force behind
menjalankan kegiatan operasional Perseroan. Untuk itu, the Company’s operational activities. Therefore,
FIFGROUP terus berupaya meningkatkan keterampilan FIFGROUP continues to improve the skills and
dan kesejahteraan para karyawan. Dalam implementasinya, welfare of its employees. In its implementation, the
Perseroan berpedoman pada kebijakan Pengelolaan Company adheres to the FIFGROUP Human Resources
sumber daya manusia (SDM) FIFGROUP yang mengacu Management policy, which is guided by the people
pada people strategy dan peraturan perusahaan. Selain itu, strategy and company regulations. Additionally, the
Perseroan juga patuh terhadap peraturan ketenagakerjaan Company complies with labor regulations in Indonesia,
di Indonesia yakni melarang segala bentuk kerja paksa prohibiting all forms of forced labor and child labor
dan tenaga kerja anak di seluruh wilayah operasi. Seluruh across its operational areas. All rights and obligations
hak dan kewajiban (100%) karyawan telah dilindungi of employees (100%) are protected under the applicable
melalui Peraturan Perusahaan yang berlaku. Hingga akhir Company Regulations. Until the end of 2023, there were
tahun 2023, tidak ada pemogokan atau lockout di wilayah no strikes or lockouts in the Company’s operational
operasional perusahaan. [408-1][409-1] areas. [408-1][409-1]
Perseroan menjunjung tinggi keberagaman dan The Company upholds diversity and equality without
kesetaraan tanpa membedakan gender, suku, agama, distinguishing gender, ethnicity, religion, race, and
ras, dan antar golongan. Hal ini FIFGROUP wujudkan intergroup. FIFGROUP realizes this through the
sejak proses rekrutmen, penempatan, implementasi recruitment process, placement, implementation of
pengembangan kompetensi, hingga penilaian kinerja. competency development, and performance assessment.
Seluruh proses ini dilakukan secara objektif, adil, dan This entire process is carried out objectively, fairly, and
setara. Apabila terjadi diskriminasi ataupun harassment equally. If there is any discrimination or harassment
yang dilakukan oleh karyawan, maka Perseroan akan committed by employees, the Company will take firm
menindaklanjutinya dengan tegas sesuai dengan peraturan action in accordance with applicable laws and Company
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
perundang-undangan dan kebijakan Perusahaan yang policies. Throughout 2023, there were no incidents
berlaku. Sepanjang tahun 2023, tidak terdapat insiden related to discrimination or harassment committed by
terkait diskriminasi ataupun harassment yang dilakukan the Company’s employees. In fact, in 2023, FIFGROUP
oleh karyawan Perseroan. Bahkan, pada tahun 2023 implemented the FIFriendibility program through
FIFGROUP menjalankan program FIFriendibility melalui recruitment for employees with disabilities, providing
rekrutmen untuk karyawan disabilitas, memberikan competency development and involving them in Company
pengembangan kompetensi dan melibatkan mereka pada activities. [406-1]
kegiatan Perseroan. [406-1]
FIFGROUP juga menghormati hak asasi manusia (HAM) FIFGROUP is committed to upholding the human rights
karyawannya dengan memenuhi semua kewajibannya, of its employees, including their right to organize. There
termasuk hak untuk berserikat. Hingga akhir 2023, tidak have been no reported cases of violations of freedom of
ada indikasi pelanggaran kebebasan berserikat serta kasus association or competition and monopoly until the end of
persaingan usaha dan monopoli. FIFGROUP memastikan 2023. FIFGROUP ensures that all its security personnel
bahwa seluruh tenaga keamanannya telah dilatih dan undergo proper training to understand and uphold human
memiliki pemahaman yang baik tentang HAM. [2-30][206- rights. [2-30][206-1][407-1][410-1]
1][407-1][410-1]
FIFGROUP terus berupaya dalam menciptakan FIFGROUP strives to create a safe, comfortable, and
lingkungan kerja yang aman, nyaman, dan kondusif dengan conducive work environment by providing work comfort
memberikan kenyamanan kerja yang didukung dengan supported by good facilities. The Company regularly
fasilitas yang baik. Perseroan secara rutin melaksanakan conducts employee wage surveys and benchmarking
survei upah karyawan dan studi tolak ukur terhadap studies on market competitiveness to ensure all employees
daya saing pasar untuk memastikan semua karyawan receive attractive and competitive benefits.
mendapatkan benefit yang menarik serta kompetitif.
Perseroan menunjukkan apresiasinya dengan konsep The Company shows its appreciation for balanced
remunerasi dan kompensasi yang berimbang, sesuai remuneration and compensation under prevailing
dengan peraturan perundang-undangan dan regulasi yang laws and regulations (especially those governing the
berlaku (khususnya yang mengatur mengenai pengupahan Provincial/Regency/City minimum wage applicable to
minimum Provinsi/Kabupaten/Kota yang berlaku di each work unit), work load, and position. The Company’s
wilayah masing-masing unit kerja), bobot kerja, dan remuneration system adopts the Astra remuneration
jabatan yang dijalankan. Sistem remunerasi Perseroan system, known as 3P, namely: [202-1]
mengadopsi konsep remunerasi dari Astra yang disebut
sebagai 3P, yaitu: [202-1]
1. Pay for Position 1. Pay for Position
Karyawan dihargai sesuai dengan jabatannya yang Employees are rewarded according to their position
sesuai dengan struktur remunerasi Grup Astra dan which is in line with Astra Group’s remuneration
kompetitif dengan pasar. structure and competitive with the market.
2. Pay for People 2. Pay for People
Karyawan dihargai sesuai dengan kompetensinya Employees are valued according to their competencies
yang diperoleh melalui posisinya di dalam kotak acquired through their position in the Human Asset
Human Asset Value (HAV). Value (HAV) box.
3. Pay for Performance 3. Pay for Performance
Karyawan dihargai sesuai dengan hasil kinerjanya Employees are rewarded according to their
yang diperoleh melalui Performance Appraisal setiap performance results obtained through Performance
tahun. Appraisal every year.
Dari konsep di atas, konsep Pay for People hanya berlaku From the above concept, the Pay for People concept only
untuk karyawan golongan 4-6 yang telah memiliki posisi applies to employees in groups 4-6 who already have a
di dalam kotak HAV. Konsep Pay for People merupakan position in the HAV box. The Pay for People concept is
perhitungan remunerasi yang telah disosialisasikan secara also a remuneration calculation that has been socialized
terbuka di Perseroan. openly in the Company.
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Selain upah, Perseroan juga memberikan fasilitas jaminan In addition to wages, the Company also provides employee
kesejahteraan karyawan yang ditentukan secara adil welfare benefits determined fairly according to their
sesuai kontribusi dan nilai pekerjaan masing-masing. contributions and job values. In general, the following
Secara garis besar, berikut adalah komponen tunjangan are the components of benefits and welfare guarantees
dan jaminan kesejahteraan yang diterima oleh karyawan received by employees of the Company:
Perseroan:
1. Tunjangan Hari Raya; 1. Holiday allowance;
2. Tunjangan Pendukung Kerja (tunjangan transportasi, 2. Work Support Allowance (transportation
tunjangan makan, tunjangan operasional, tunjangan allowance, meal allowance, operational allowance,
komunikasi); communication allowance);
3. Dana Pensiun; 3. Pension Fund;
4. Fasilitas Pengobatan (rawat jalan); 4. Medical Facilities (outpatient);
5. Asuransi Kesehatan (rawat inap dan persalinan); 5. Health Insurance (hospitalization and childbirth);
6. Asuransi Jiwa dan Asuransi Kecelakan; 6. Life Insurance and Accident Insurance;
7. Penghargaan Masa Kerja; 7. Period of Service Award;
8. Hadiah Kinerja. 8. Performance Rewards.
Untuk semakin meningkatkan motivasi karyawan, To further increase employee motivation, the Company
Perseroan juga memberikan fasilitas Reward Point atau also provides Reward Point facilities or known as
yang dikenal sebagai Value Internalization Point (VIP). Ini Value Internalization Point (VIP). This is given to every
diberikan pada setiap karyawan yang berpartisipasi dalam employee who participates in training and competency
program pelatihan dan pengembangan kompetensi seperti development programs such as knowledge sharing,
sharing knowledge, FIFGROUP Innovation Award, FIFGROUP Innovation Award, teaching, and other
mengajar, dan aktivitas pengembangan lainnya. Poin-poin development activities. These points are accumulated until
ini dikumpulkan hingga batas pengumpulan dan di akhir the collection limit is reached and are then accumulated at
akan diakumulasikan. Total poin yang diperoleh dapat the end. The total points obtained can be exchanged for
ditukarkan dengan hadiah yang menarik sesuai dengan attractive prizes according to the needs and desires of each
kebutuhan dan keinginan setiap karyawan. employee.
Fasilitas lain yang diberikan oleh Perseroan kepada Other facilities provided by the Company to employees
karyawan yakni medical check up serta cuti melahirkan. are medical check-ups and maternity leave. Maternity
Cuti melahirkan diberikan kepada karyawan perempuan leave is given to female employees for 1.5 months before
selama 1,5 bulan sebelum saatnya melahirkan anak dan and 1.5 months after childbirth, as well as special leave
1,5 bulan sesudah melahirkan, serta cuti khusus selama for 2 days is granted to male employees whose wives give
2 hari bagi karyawan laki-laki yang istrinya melahirkan. birth. Throughout 2023, there were 128 female employees
Sepanjang tahun 2023, terdapat 128 karyawan perempuan and 339 male employees eligible for maternity leave. All
dan 339 karyawan laki-laki yang berhak mengambil 128 female employees took maternity leave, and all 339
cuti melahirkan. Sebanyak 128 karyawan perempuan male employees who received special leave to accompany
mengambil cuti melahirkan dan 339 karyawan laki-laki their wives during childbirth returned to work in their
yang mendapatkan cuti khusus untuk menemani istrinya original positions. [401-2][401-3]
melahirkan, seluruhnya (100%) telah kembali bekerja
pada posisi semula. [401-2][401-3]
Tunjangan lain yang diberikan FIFGROUP yaitu Another allowance provided by FIFGROUP is retirement
imbalan pensiun kepada karyawan yang telah memasuki benefits for employees who have reached retirement age
masa purnabakti atau berusia 55 tahun. Perseroan or are 55 years old. The Company participates in the
mengikutsertakan karyawan pada program Badan Social Security Organizing Agency (BPJS) Employment
Penyelenggara Jaminan Sosial (BPJS) Ketenagakerjaan, program, including the Old-Age Benefit (JHT) and Pension
termasuk program Jaminan Hari Tua (JHT) dan Jaminan Benefit (JP) programs. The Company’s contribution to
Pensiun (JP). Kontribusi Perseroan dalam program JHT the JHT program is 3.7%, and employees contribute 2%,
yakni 3,7% dan karyawan 2%, sedangkan dalam program while in the JP program, the Company contributes 2%
JP kontribusi Perseroan sebesar 2% serta karyawan 1%. and employees contribute 1%. Additionally, employees
Selain itu, karyawan yang akan pensiun juga diberikan approaching retirement age are provided with training and
program pelatihan dan pendidikan di antaranya persiapan education programs, including preparation for retirement
memasuki masa purna bhakti oleh Dana Pensiun Astra dan by the Astra Pension Fund and the special “FIFPRENEUR”
program khusus “FIFPRENEUR” yang dirancang untuk program designed to prepare and support them until their
mempersiapkan dan mendampingi hingga usaha berjalan business is operational before retirement. Throughout
sebelum memasuki masa pensiun. Sepanjang tahun 2023, 2023, 22 employees retired. [201-3][404-2]
terdapat 22 karyawan yang pensiun. [201-3][404-2]
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Menjaga Lingkungan Kerja Maintaining a Decent and Safe
yang Layak dan Aman [3-3] Working Environment [3-3]
FIFGROUP terus berupaya dalam menjaga lingkungan The Company provides suitable and safe working conditions
kerja yang layak dan aman bagi setiap (100%) karyawan for all (100%) employees in all business activities in
di seluruh kegiatan bisnis sesuai kebijakan yang berlaku. accordance with applicable policies. In implementing the
Dalam penerapan sistem manajemen keselamatan dan Occupational Health and Safety Management System, the
Kesehatan kerja, Perseroan berpedoman pada Undang- Company adheres to Law Number 1 of 1970 concerning
undang Nomor 1 Tahun 1970 tentang keselamatan kerja, occupational safety, Government Regulation Number 50
Peraturan Pemerintah Nomor 50 Tahun 2012 tentang of 2012 concerning the Implementation of Occupational
Penerapan Sistem Manajemen Kesehatan dan Keselamatan Health and Safety Management Systems, Financial
Kerja, Peraturan Otoritas Jasa Keuangan No 51 tahun Services Authority Regulation No. 51 of 2017 concerning
2017 tentang Penerapan Keuangan Berkelanjutan bagi the Implementation of Sustainable Finance for Financial
Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik Institutions, Issuers, and Public Companies, as well as
serta Astra 2030 Sustainability Aspirations dan TPB. Astra 2030 Sustainability Aspirations and SDGs.
Perseroan melakukan identifikasi kegiatan yang memiliki The Company identifies activities that pose health and
risiko kesehatan dan keselamatan untuk para karyawan. safety risks for employees. This identification is conducted
Identifikasi ini dilakukan oleh Fungsi EHSSR & by the competent EHSSR & Sustainability Management
Sustainability Management yang berkompeten. Beberapa Function. [403-1][403-2] [403-3][403-4][403-5] [403-6] [403-7][403-8]
kegiatan yang dilakukan Perseroan dalam menciptakan
lingkungan kerja yang layak dan aman diantaranya: [403-1]
[403-2] [403-3][403-4][403-5] [403-6] [403-7][403-8]
a. Pemenuhan standar dan pengelolaan lingkungan a. Fulfilling office environmental standards and
perkantoran melalui monitoring dokumen perizinan management through monitoring environmental
lingkungan dan pengelolaan sampah B3 dan non-B3 licensing documents and managing hazardous (B3)
b. Pemenuhan standar lingkungan kerja perkantoran di and non-hazardous (non-B3) waste.
antaranya dengan melakukan pengukuran iklim kerja b. Ensuring compliance with office work environment
dan pelaksanaan pest control standards, including measuring work climate and
c. Peningkatan produktivitas kerja melalui implementasi implementing pest control measures.
ergonomi seperti kursi dan meja kerja, postur kerja, c. Increasing work productivity through ergonomic
serta durasi kerja implementation such as ergonomic chairs and desks,
d. Peningkatan kesehatan kerja di perkantoran melalui proper work posture, and work duration management.
aktivitas stretching dan drinking time serta secara d. Enhancing occupational health in offices through
rutin melaksanakan kampanye kesehatan activities like stretching, designated drinking time,
e. Pencegahan penyakit di perkantoran dengan melakukan and regularly conducting health campaigns.
medical check up (MCU) pra-kerja dan berkala e. Preventing diseases in offices by conducting pre-
f. Peningkatan pemahaman dan awareness karyawan employment and periodic medical check-ups (MCU).
terkait keselamatan kerja dengan melakukan f. Improving employee understanding and awareness
sosialisasi dan inspeksi safety riding of workplace safety through socialization and safety
g. Pemenuhan persyaratan dan fasilitas keselamatan riding inspections.
kerja perkantoran melalui penyediaan alat pemadam g. Meeting office work safety requirements and facilities
api ringan (APAR), alat deteksi asap, alarm, rambu- by providing light fire extinguishers (APAR), smoke
rambu K3, dan sarana berdampak K3 detection devices, alarms, Occupational Health and
h. Peningkatan kewaspadaan bencana perkantoran Safety (K3) signs, and impact K3 facilities.
dengan melakukan simulasi kesiapsiagaan tanggap h. Enhancing disaster awareness in offices by conducting
darurat, pelatihan floor warden, dan pelatihan emergency response preparedness simulations, floor
pertolongan pertama warden training, and first aid training.
Selain itu, FIFGROUP menjamin pemenuhan Furthermore, FIFGROUP ensures the fulfillment of
komitmen dan peraturan yang ditetapkan oleh Astra commitments and regulations set by Astra regarding
terkait pengelolaan K3 melalui Assessment Astra Occupational Health and Safety (OHS) management
Green Company (AGC). Penilaian tersebut menilai through the Astra Green Company (AGC) Assessment. This
implementasi K3 yang meliputi management system, assessment evaluates the implementation of OHS, including
critical point (environment & safety) serta legal management systems, critical points (environment &
compliance. Pada tahun 2023, Corporate Assessment safety), and legal compliance. In 2023, the Corporate
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AGC dilaksanakan pada 2 cabang FIFGROUP yaitu Assessment AGC was conducted at two FIFGROUP
cabang Rungkut dan Denpasar. Kedua cabang tersebut branches, namely the Rungkut and Denpasar branches.
berhasil mendapatkan predikat emas. Both branches successfully obtained the gold rating.
Berdasarkan upaya-upaya tersebut, sepanjang tahun Based on these efforts, throughout the year 2023, there
2023, tidak terdapat kecelakaan kerja yang menyebabkan were no work accidents resulting in fatalities and work-
fatalitas dan penyakit akibat kerja (PAK) yang disebabkan related illnesses caused within the work area. [403-9]
di area kerja. [403-9][403-10] [403-10]
Pelatihan dan Pendidikan Employee
Karyawan [3-3] Training and Education [3-3]
FIFGROUP memfasilitasi karyawan dengan berbagai FIFGROUP facilitates employees with various training,
pelatihan, pendidikan lanjutan, sertifikasi-sertifikasi, dan advanced education, certifications, and inhouse training
inhouse training dalam naungan FIFGROUP Academy. under FIFGROUP Academy. Established in 2016,
FIFGROUP Academy didirikan pada tahun 2016 dan sejak FIFGROUP Academy has been the platform for the
itu telah menjadi wadah pelatihan dan pengembangan training and development of the Company’s human
SDM Perseroan. Kurikulum pengembangan kompetensi resources. The competency development curriculum is
disusun berdasarkan jenis pelatihan yang dimiliki, yang organized based on the types of training available, which
dibagi ke dalam 3 (tiga) kategori, yaitu: [404-2] are divided into 3 categories: [404-2]
a. Regular Training a. Regular Training
Pelatihan yang diselenggarakan secara berkala Trainings conducted periodically by FIFGROUP are
oleh FIFGROUP yang terbagi menjadi Training divided into the Training Development Program from
Development Program dari Kantor Pusat dan Training the Head Office and Regular Branch Trainings. The
Reguler Cabang. Jadwal untuk training reguler telah schedule for regular trainings has been determined and
ditentukan dan dituangkan dalam Katalog Pelatihan outlined in the Training Catalog or Training Calendar.
atau Kalender Pelatihan.
b. Irregular Training b. Irregular Training
Irregular training adalah pelatihan publik atau pelatihan Irregular training is public training or training outside
di luar Development Program Kantor Pusat dan the Head Office Development Program and training
pelatihan di Kantor Cabang yang penyelenggaraannya in Branch Offices whose implementation is arranged
diatur secara eksternal dan internal oleh FIFGROUP. externally and internally by FIFGROUP.
c. Knowledge Sharing Forum c. Knowledge Sharing Forum
Knowledge Sharing juga merupakan program sharing Knowledge Sharing is also a sharing program for
untuk pengembangan karyawan yang dilakukan oleh employee development conducted by FIFGROUP
FIFGROUP secara rutin tiap bulannya. regularly every month.
Pada prinsipnya, FIFGROUP senatiasa berupaya untuk In principle, FIFGROUP always strives to reduce
mereduksi adanya kesenjangan kompetensi pada SDM competency gaps among its human resources so that
sehingga seluruhnya dapat berjalan beriringan dan everyone can progress in tandem and support the
mendukung pencapaian target jangka panjang Perseroan. Company’s long-term target achievements.
Pada tahun 2023, aktualisasi anggaran kegiatan pelatihan In 2023, the actual budget for training and human resource
dan pengembangan SDM oleh FIFGROUP Academy development activities by FIFGROUP Academy was
direalisasikan mencapai Rp8.970.828.286 atau 138,23% realized to reach Rp8,970,828,286 or 138.23% of the plan
dari rencana sebesar Rp6.489.840.245. of Rp6,489,840,245.
Selain itu, Perseroan juga menyelenggarakan pelatihan Additionally, the Company also conducts training and
dan pendidikan mengenai keberlanjutan untuk terus education on sustainability to continuously enhance
meningkatkan kesadaran dan kompetensi karyawan terkait awareness and competency of employees regarding
keuangan berkelanjutan. sustainable finance.
Sepanjang tahun 2023, FIFGROUP telah melaksanakan Throughout the year 2023, FIFGROUP has conducted
11 jenis pelatihan dan pendidikan. Dari jumlah pelatihan 11 types of training and education. From these training
tersebut, total jam pelatihan karyawan mencapai 213.628 sessions, the total employee training hours reached
jam dengan rata-rata-rata jam pelatihan mencapai 14,10 213,628 hours with an average training hours of 14.10
jam per karyawan. hours.
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
RATA-RATA JAM PELATIHAN PER TAHUN PER KARYAWAN [404-1]
AVERAGE TRAINING HOURS PER YEAR PER EMPLOYEE
Uraian
2023 2022 2021
Description
Jenis Pelatihan 11 7 8
Types of Trainings
Jumlah Jam Pelatihan 213.628 196.194 168.927
Number of Training Hours
Rata-rata Jam Pelatihan/karyawan 14,10 14,06 11,83
Average Training Hours/Employee
Penilaian Kinerja Karyawan [404-3] Employee Performance Appraisal [404-3]
Dalam upaya mendorong kinerja terbaik setiap insan In an effort to encourage the best performance of each
FIFGROUP, Perseroan melakukan evaluasi kinerja FIFGROUP employee, the Company conducts a fair,
secara wajar, jujur, dan adil. Karakteristik yang dinilai honest, and equitable performance evaluation. The
adalah integritas, responsibilitas, sikap, performa, dan assessed characteristics are integrity, responsibility,
produktivitas masing-masing individu. Dari penilaian attitude, performance and productivity of each individual.
yang dilakukan, manajemen dapat menentukan arah From the assessment, the management can determine the
karier karyawan ke depan, terutama terkait pemberian direction of the employee’s career in the future, especially
hadiah kerja, pengelolaan karir (promosi golongan/sub related to work rewards, career management (promotion
golongan dan jabatan), dan pengelolaan talenta Perseroan of class/sub-class and position), and the Company’s talent
(Talent Management), serta menjadi pertimbangan dalam management, as well as being a consideration in imposing
pemberian sanksi, apabila diperlukan. sanctions, if necessary.
Penilaian karyawan dilakukan dengan beberapa metode Employee appraisals are conducted using several methods
yang dimulai pada awal tahun di mana setiap karyawan starting at the beginning of the year where each employee
menetapkan rencana kerja yang disebut Individual sets a work plan called the Individual Activity Plan (IAP).
Activity Plan (IAP). Kemudian, karyawan akan Then, the employee will again develop performance
menyusun lagi parameter penilaian kinerja yang disebut assessment parameters called the Individual Performance
sebagai Individual Performance Plan (IPP). Terakhir, Plan (IPP). Finally, the employee together with his/
karyawan bersama dengan atasannya akan menetapkan her supervisor will set a development plan called the
rencana pengembangan yang disebut dengan Individual Individual Development Plan (IDP). The implementation
Development Plan (IDP). Pelaksanaan dan peninjauan and review of the performance plan is supported through
atas rencana kinerja ditunjang melalui dua mekanisme two mechanisms namely review and coaching &
yaitu review dan coaching & counseling. counseling.
Review terhadap aktivitas dan kinerja karyawan (IAP Review of employee activities and performance (IAP and
dan IPP) secara formal dilakukan setiap bulan di mana IPP) is formally conducted every month where the results
hasilnya tercatat dalam dokumen Problem Identification are recorded in the Problem Identification Corrective
Corrective Action (PICA) dan Key Performance Indicator Action (PICA) document and Key Performance
(KPI) monitoring. Adapun proses review terhadap rencana Indicator (KPI) monitoring. The review process of
pengembangan karyawan (IDP) dalam aspek technical employee development plans (IDP) in technical and soft
dan soft skill dilakukan dua kali dalam setahun bersamaan skills aspects is carried out twice a year along with a
dengan mekanisme coaching & counseling yang disebut coaching & counseling mechanism called Performance
dengan Performance & Development Feedback (PDF) & Development Feedback (PDF) for each employee by
pada setiap karyawan oleh atasannya. PDF secara formal his/her supervisor. The PDF is formally and documented
dan terdokumentasi dilakukan dua kali dalam setahun twice a year to maximize performance and optimize the
untuk memaksimalkan kinerja dan mengoptimalkan potential and competence of employees. This PDF will
potensi serta kompetensi karyawan. PDF ini akan be used by each supervisor to monitor the competence
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digunakan oleh setiap atasan untuk memantau kompetensi and performance of each employee. This PDF is used
dan kinerja masing-masing karyawan. PDF ini yang as the basis for each supervisor to conduct coaching &
dijadikan landasan bagi setiap atasan untuk melakukan counselling which is held every semester.
coaching & counselling yang diadakan setiap semester.
Di akhir periode pengelolaan kinerja, yaitu di bulan At the end of the performance review period, in December,
Desember, dilakukan proses penilaian karya setiap an appraisal of each employee’s work is conducted. The
karyawan. Proses diawali dengan mekanisme Self process begins with a self-appraisal mechanism, followed
Appraisal, yang dilanjutkan dengan mekanisme komite by a tiered work appraisal committee mechanism. The
penilaian karya secara berjenjang. Penilaian karya assessment of work refers to the results of achieving each
mengacu kepada hasil pencapaian KPI setiap individu, individual’s KPIs, assessment of the work process, and
penilaian atas proses kerja, dan penerapan nilai-nilai the application of the Company’s core values in the daily
inti (core values) Perseroan dalam perilaku keseharian behavior of employees.
karyawan.
Hingga 31 Desember 2023, total karyawan Perseroan As of 31 December 2023, the total number of employees
yang telah mendapatkan penilaian adalah sebanyak 9.011 who have been appraised is 9,011. This method is expected
karyawan. Metode ini diharapkan dapat berdampak pada to have an impact on the progress of a more progressive
kemajuan Perseroan yang lebih progresif serta mendorong Company and encourage employees to make their best
karyawan untuk memberikan kontribusi terbaiknya. contribution.
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
MENJAGA LAYANAN BERKUALITAS
MAINTAINING QUALITY SERVICE
Layanan berkualitas merupakan kunci loyalitas pelanggan dan keberlanjutan bisnis Perseroan. Untuk itu,
FIFGROUP terus berupaya menjaga layanan berkualitas dengan berinovasi mengembangkan produk dan
layanan yang sesuai dengan kebutuhan pelanggan serta melindungi data dan privasi pelanggan sebagai
wujud menjaga dan meningkatkan kepuasan pelanggan.
Quality service is the key to customer loyalty and business sustainability. Therefore, FIFGROUP continues to
strive to maintain quality services by innovating to develop products and services that meet customer needs
and protecting customer data and privacy as a form of maintaining and improving customer satisfaction.
Melindungi Keamanan Data dan Protecting Data Security and
Privasi Pelanggan [3-3] Customer Privacy [3-3]
Seiring meningkatnya perkembangan teknologi Along with the increasing development of digitalization
digitalisasi, risiko keamanan data dan privasi Perusahaan technology, the risk of data security and privacy of the
semakin tinggi. Untuk itu, FIFGROUP memastikan Company is getting higher. Therefore, FIFGROUP ensures
bahwa data dan privasi pelanggan terlindungi dengan that customer data and privacy are well protected from the
baik dari risiko pencurian data, kejahatan siber, dan risk of data theft, cybercrime, and fraud. The Company
fraud. Perseroan menjaga data secara optimal dengan maintains data optimally by using data according to the
menggunakan data sesuai kebutuhan dan ketentuan yang needs and applicable regulations. In protecting data
berlaku. Dalam melindungi keamanan data dan privasi security and customer privacy, the Company refers to
pelanggan, Perseroan mengacu pada Peraturan Otoritas the Financial Services Authority Regulation (POJK)
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Jasa Keuangan (POJK) Nomor 6/POJK.07/2022 tentang Number 6/POJK.07/2022 concerning Consumer and
Perlindungan Konsumen dan Masyarakat di Sektor Jasa Community Protection in the Financial Services Sector
Keuangan dan POJK Nomor 4/POJK.05/2021 Penerapan and POJK Number 4/POJK.05/2021 Implementation of
Manajemen Risiko dalam Penggunaan Teknologi Risk Management in the Use of Information Technology
Informasi Oleh Lembaga Jasa Keuangan Non Bank. by Non-Bank Financial Services Institutions.
Strategi yang diimplementasikan FIFGROUP dalam The strategy implemented by FIFGROUP in protecting
melindungi data dan privasi yaitu menerapkan sistem data and privacy is to implement information technology
teknologi informasi (TI) dan keamanan transaksi. (IT) systems and transaction security. The Company
Perseroan terus meningkatkan infrastruktur TI untuk continues to improve IT infrastructure to ensure adequate
memastikan kecukupan kapasitas dan keamanan informasi capacity and information security so that customer data is
sehingga data pelanggan aman terlindungi. Inisiatif safely protected. Other initiatives taken by the Company
lainnya yang dilakukan Perseroan dalam meningkatkan in improving transaction and data security include:
keamanan transaksi dan data yaitu diantaranya:
1. Menerapkan ISO 27001:2013 1. Implementing ISO 27001:2013
2. Mengimplementasi Multi Factor Authentication (MFA) 2. Implementing Multi Factor Authentication (MFA)
3. Menyelenggarakan sosialisasi mengenai kebijakan 3. Organizing socialization of privacy policies through
privasi melalui media sosial maupun web Perseroan social media and the Company’s website https://www.
https://www.fifgroup.co.id/kebijakan-privasi fifgroup.co.id/en/privacy-policy
4. Melakukan pelatihan kepada karyawan terkait 4. Conducting training to employees related to
menjaga keamanan data di perangkat elektronik maintaining data security on electronic devices
5. Implementasi kebijakan dan prosedur keamanan yang 5. Implementation of new security policies and
baru procedures
6. Investasi dalam teknologi keamanan informasi 6. Investment in information security technology
Melalui strategi yang diimplementasikan, sepanjang tahun Through the implemented strategy, throughout 2023 there
2023 tidak terdapat pengaduan dari pelanggan maupun were no complaints from customers or sanctions from
sanksi dari regulator lainnya yang berkaitan dengan other regulators related to data leakage and privacy. [418-1]
kebocoran dan privasi data. [418-1]
Inovasi dan Pengembangan Innovation and Development
Produk dan/atau Jasa Keuangan of Sustainable Financial Products
Berkelanjutan and/or Services
Perseroan terus berinovasi mengembangkan ekosistem The Company continues to innovate in developing a
digital yang handal, salah satunya melalui layanan reliable digital ecosystem, one of which is through artificial
konsumen berbasis artificial intelligence (AI) yaitu intelligence (AI)-based customer service, FIFGROUP
FIFGROUP Intelligence Personal Assistant (FIONA). Intelligence Personal Assistant (FIONA). FIONA has been
FIONA hadir sejak tahun 2019 sebagai virtual contact present since 2019 as a virtual contact center, which is a
center yakni menjadi saluran layanan tambahan 24 jam 24-hour additional service channel regarding products and
seputar produk dan layanan, informasi kontrak, hingga services, contract information, to customer complaints.
pengaduan dan keluhan pelanggan.
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Selain FIONA, Perseroan juga menghadirkan FIFGROUP Besides FIONA, the Company also presents FIFGROUP
Mobile Customer (FMC) yang merupakan aplikasi Mobile Customer (FMC) which is an application that
yang menciptakan pengalaman pembiayaan yang lebih provides an easier, safer, and more profitable financing
mudah, aman, dan menguntungkan. Melalui FMC ini, experience. Through this FMC, customers and prospective
pelanggan dan calon pelanggan dapat melacak pengajuan customers can track the submission of the financing
proses pembiayaan, mengumpulkan poin loyalty, dan process, collect loyalty points, and gain various contract
mendapatkan berbagai informasi kontrak yang dimiliki. information.
Pada tahun 2023, FIFGROUP berkolaborasi bersama In 2023, FIFGROUP collaborated with JNE Express
JNE Express dengan menghadirkan pembiayaan dari by presenting financing from FIFGROUP in the Moxa
FIFGROUP dalam aplikasi Moxa yang hadir di sales application which is available at JNE sales counters
counter JNE area Jabodetabek dan Bandung. Kolaborasi in Jabodetabek and Bandung areas. This collaboration
ini bertujuan untuk meningkatkan inklusivitas keuangan aims to increase financial inclusiveness, especially
khususnya pembiayaan dengan memberikan kemudahan financing by providing convenience for the community in
bagi masyarakat dalam mengakses layanan pembiayaan accessing financing services online and offline. The Moxa
secara online maupun offline. Aplikasi Moxa telah application has been integrated with the JNE Express
terintegrasi dengan sistem JNE Express melalui JNEI Moxa system through JNEI Moxa which implements an open
yang menerapkan sistem open application programming application programming interface (Open API) system
interface (Open API) sehingga layanan ini terkoneksi so that this service is seamlessly connected. In addition
secara seamless. Selain pelanggan, aplikasi Moxa juga to customers, the Moxa application also makes easier
memudahkan Usaha Mikro, Kecil, dan Menengah for Micro, Small and Medium Enterprises (MSMEs) to
(UMKM) untuk mengakses permodalan usaha. Layanan access business capital. This service has reliability in the
ini mempunyai kehandalan pada kecepatan pencairan, speed of disbursement, competitive loan interest, flexible
bunga pinjaman yang kompetitif, cicilan angsuran yang installments with various options, and an easy application
fleksibel dengan berbagai pilihan, dan proses pengajuan process.
yang mudah.
Selain inovasi berbasis digital, FIFGROUP turut In addition to digital-based innovation, FIFGROUP also
mengembangkan produk pembiayaan berkelanjutan develops sustainable financing products through issuance
(sustainability financing) melalui rencana penerbitan plan of sustainability loan. This sustainable financing
Sustainability Loan. Produk keuangan berkelanjutan product will be used in green financing which includes
tersebut akan digunakan pada pembiayaan hijau yang financing solar panels, electric motorcycles, and electric
meliputi pembiayaan solar panel, motor listrik, dan sepeda bicycles as well as social financing with target populations
listrik serta pembiayaan sosial dengan target populasi including woman with category undereducated/
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diantaranya perempuan dengan kategori undereducated/ underserved/unbanked, disabilities and MSMEs. The
underserved/unbanked, disabilitas dan UMKM. Penerbitan issuance of the Sustainability Loan is planned for 2024.
Sustainability Loan direncanakan pada tahun 2024.
Tanggung Jawab Produk dan Layanan Product and Service Responsibilities
FIFGROUP memberikan layanan atas produk yang FIFGROUP provides equal services on products to all
setara kepada seluruh konsumen dan telah memastikan customers and has ensured the safety and appropriateness
keamanan serta kelayakan produk dan layanannya sesuai of its products and services in accordance with OJK
dengan POJK No.22 Tahun 2023 tentang Pelindungan regulation No. 22 of 2023. All products and services
Konsumen dan Masyarakat di Sektor Jasa Keuangan. (100%) of the Company have been evaluated for safety
Seluruh produk dan layanan (100%) Perseroan telah and health standards and approved by the relevant
dievaluasi keamanannya yang terstandar keselamatan authorities. The Company also ensures that customers
dan kesehatan serta disetujui oleh pihak yang berwenang. can access complete and transparent product and service
Perseroan juga memastikan bahwa para konsumen dapat information. This information can be accessed through
mengakses informasi produk dan layanan secara lengkap print and digital media and officers at branch offices. In
dan transparan. Informasi ini dapat diakses melalui media addition, in the marketing stage of products and services,
cetak maupun digital dan petugas di kantor cabang. FIFGROUP ensures to obtain approval from customers.
Selain itu, dalam tahapan pemasaran produk dan layanan, Until the end of 2023, no FIFGROUP product or service
FIFGROUP memastikan mendapatkan persetujuan dari has been withdrawn from the market, subjected to material
para konsumen. Hingga akhir 2023, tidak ada produk sanctions or fines, or caused incidents related to marketing
atau layanan FIFGROUP yang ditarik dari pasar, dikenai communications that have an impact on the health and
sanksi atau denda material, maupun menimbulkan safety of customers. [2-27][416-1][416-2][417-1][417-2][417-3]
insiden yang berkaitan dengan komunikasi pemasaran
hingga berdampak pada kesehatan dan keselamatan para
konsumen. [2-27][416-1][416-2][417-1][417-2][417-3]
Survei Kepuasan Konsumen Customer Satisfaction Survey
FIFGROUP telah melakukan Survei Kepuasan Konsumen FIFGROUP has conducted a customer satisfaction survey
guna meningkatkan kualitas pelayanan agar dapat to measure customer loyalty and satisfaction. The survey
memberikan kepuasan bagi konsumen. Hasil survei juga results could also identify parts of the business that can be
dapat mengidentifikasi bagian dari komponen pelayanan improved and used as a reference in developing strategies
yang dapat ditingkatkan dan dijadikan rujukan dalam to increase customer satisfaction. This assessment is
menyusun strategi dalam meningkatkan kepuasan carried out using real-time feedback through a smart queue
konsumen. Penilaian ini dilakukan menggunakan realtime machine (FIONA-SIAP) with a scale of 1-5 at FIFGROUP
feedback melalui mesin antrian pintar (FIONA-SIAP) branches. The result of the customer satisfaction survey
dengan skala 1-5 pada cabang-cabang FIFGROUP. in 2023 is 4.91 which indicates that the level of customer
Hasil survei kepuasan konsumen di tahun 2023 yaitu satisfaction is very satisfied. The number of respondents
sebesar 4,91 yang menunjukkan bahwa tingkat kepuasan who participated in providing ratings was 330,102
konsumen sangat memuaskan (very satisfied) dengan consumers, indicating a Growth Participation Rate of
jumlah responden yang berpartisipasi dalam memberikan 257%, when compared to 2022 where the number of
rating sebanyak 330.102 konsumen, menunjukkan respondents who participated in providing ratings was
adanya Growth Participation Rate mencapai 257%, 92,545 consumers.
jika dibandingkan dengan tahun 2022, dimana jumlah
responden yang berpartisipasi memberikan rating adalah
sebanyak 92.545 konsumen.
Uraian 2023 2022 2021 Description
Hasil Survey 4,91 4,93 4,93 Survey Results
% Pencapaian Hasil 140,00 140,88 140,79 % Achievement of
Survey terhadap Target Survey Results to Target
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Mekanisme Pengelolaan Grievance Management
Pengaduan [2-25] Mechanism [2-25]
FIFGROUP terus meningkatkan layanan dengan FIFGROUP continues to improve services by fulfilling
memenuhi kebutuhan para pelanggan yang dapat the needs of customers that can be conveyed through
disampaikan melalui pengaduan baik saran maupun complaints both suggestions and inputs to the Company.
masukan kepada Perseroan. Pengaduan yang diterima Complaints received by the Company include requests
Perseroan yaitu di antaranya permintaan informasi terkait for information related to administration/provision/
biaya administrasi/provisi/transaksi, keterlambatan atau transaction fees, transaction delays or failures, differences
kegagalan transaksi, perbedaan perhitungan bunga dan in interest and principal calculations, financing object
pokok, asuransi obyek pembiayaan, dan sistem layanan insurance, and financial information service systems.
informasi keuangan.
Selain pelanggan, FIFGROUP juga membuka akses In addition to customers, FIFGROUP also opens access
bagi masyarakat untuk menyampaikan keluhan/laporan for the public to submit complaints / reports related to the
terkait pelaksanaan program tanggung jawab sosial dan implementation of social and environmental responsibility
lingkungan (TJSL) maupun pengaduan lingkungan hidup. (CSR) programs and environmental complaints. All
Seluruh pengaduan tersebut dapat dikirimkan melalui complaints can be sent through print and electronic media,
media cetak dan elektronik, Aplikasi Portal Perlindungan OJK Consumer Protection Portal Application (APPK),
Konsumen (APPK) OJK, serta surat yang dikirim ke kantor as well as letters sent to branch offices and headquarters.
cabang maupun pusat. Setiap masukan dan saran yang Every input and suggestion is followed up by the Customer
masuk ditindaklanjuti oleh pelayanan Customer Relation Relationship Executive (CRE) service which will then be
Executive (CRE) yang selanjutnya akan dievaluasi dan evaluated and decided on the settlement action according
diputuskan tindakan penyelesaiannya sesuai prosedur to existing procedures. Throughout 2023, FIFGROUP did
yang ada. Sepanjang tahun 2023, FIFGROUP tidak not receive any complaints from customers or the public
mendapatkan pengaduan dari pelanggan maupun regarding the implementation of CSR and environmental
masyarakat terkait implementasi TJSL dan pengaduan complaints and all of them have been followed up by the
lingkungan hidup serta seluruhnya telah ditindaklanjuti Company.
oleh Perseroan.
Kontak pengaduan pelanggan:
Customer complaint contact:
Call Center HaloFIF 1500-343
Virtual Customer Service (Fiona) di webchat
WhatsApp & SMS (0895-21500-343)
E-mail halofif@fifgroup.astra.co.id
Media sosial: FIFCLUB | Social media: FIFCLUB
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MENINGKATKAN
KESEJAHTERAAN MASYARAKAT
IMPROVING COMMUNITY WELFARE
FIFGROUP turut berkontribusi membangun masyarakat yang lebih sehat, berkarakter, dan tanggap
dengan mendukung menciptakan lingkungan yang lestari, adil, dan inklusif. Perseroan berharap melalui
implementasi FIFGROUP Sehat, FIFGROUP Pintar, FIFGROUP Sejahtera, dan FIFGROUP Lestari dapat
memperluas manfaat yang berkelanjutan dan meningkatkan dampak positif terhadap kehidupan masyarakat
yang lebih sejahtera di masa depan.
FIFGROUP contributes to building a healthier, more characterized, and responsive society by supporting
the creation of a sustainable, fair, and inclusive environment. The Company hopes that through the
implementation of FIFGROUP Sehat, FIFGROUP Pintar, FIFGROUP Sejahtera, and FIFGROUP Lestari,
it can expand sustainable benefits and increase the positive impact on a more prosperous community life in
the future.
Perseroan terus meningkatkan kolaborasi bersama The Company continues to improve collaboration with the
masyarakat untuk menciptakan hubungan yang baik community to create good relationships so as to expand
sehingga mampu memperluas dampak positif yang sustainable positive impacts. FIFGROUP realizes that its
berkelanjutan. FIFGROUP menyadari keberadaannya di presence in the community has both positive and negative
tengah masyarakat memberikan dampak positif maupun impacts, directly or indirectly.
negatif baik secara langsung maupun tidak langsung.
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Untuk itu, FIFGROUP meningkatkan upaya dalam For this reason, FIFGROUP increases efforts in managing
mengelola dampak negatif bagi masyarakat maupun negative impacts on society and the environment, including
lingkungan diantaranya dengan menjalankan program by running an environmental social responsibility (CSR)
tanggung jawab sosial lingkungan (TJSL). program.
Dalam implementasi kegiatan TJSL, Perseroan In the implementation of CSR activities, the Company
berpedoman pada undang-undang nomor 40 tahun is guided by Law No. 40 of 2007 on Limited Liability
2007 tentang Perseroan Terbatas, Peraturan Pemerintah Companies, Government Regulation No. 47 of 2012 on
Nomor 47 tahun 2012 tentang tanggung jawab sosial dan Social and Environmental Responsibility of Limited
lingkungan Perseroan terbatas, Peraturan Otoritas Jasa Liability Companies, Financial Services Authority
Keuangan No 51 tahun 2017 tentang Penerapan Keuangan Regulation No. 51 of 2017 on the Implementation of
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, Sustainable Finance for Financial Services Institutions,
dan Perusahaan Publik serta Astra 2030 Sustainability Issuers, and Public Companies as well as Astra 2030
Aspirations dan TPB. Sustainability Aspirations and SDGs.
Pelaksanaan program TJSL Perseroan dibagi menjadi The implementation of Company’s CSR Program is
empat (4) pilar utama dan didukung oleh program divided into four (4) main pillars and supported by
filantropi/donasi: 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 2 mendukung SDGs ke 4 Indonesia. Pilar ini bertujuan mendukung SDGs ke 6
(Zero hunger), 3 (Good (quality Education) dan 17 untuk mendukung SDGs ke (Clean Water & Sanitation),
Health & Well Being) dan 17 (Partnership for The Goal) 8 (Decent work & Economic 13 (Climate Action), 15 (Life
(Partnership for The Goal) Growth) dan 17 (Partnership on Land) dan 17 (Partnership
Focuses on improving for The Goal) for The Goal)
Focuses on improving education in Indonesia. This
health in Indonesia. This pillar aims to support SDGs Focuses on improving the Focuses on the environment
pillar aims to support SDGs 4 (quality education) and 17 economy and welfare of and climate in Indonesia. This
2 (Zero hunger), 3 (Good (Partnership for The Goal) people in Indonesia. This pillar aims to support SDGs 6
Health & Well Being) and 17 pillar aims to support SDGs (Clean Water & Sanitation),
(Partnership for The Goal) 8 (Decent work & Economic 13 (Climate Action), 15 (Life
Growth) and 17 (Partnership on Land) and 17 (Partnership
for The Goal) for The Goal)
Berfokus kepada pemberian bantuan sosial dan bantuan keagamaan
Focuses on providing social assistance and religious assistance
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Seluruh program TJSL yang diimplementasikan Perseroan All CSR programs implemented by the Company have
telah melalui beberapa tahapan di antaranya pemetaan gone through several stages including social mapping,
sosial yaitu hasil analisis potensi, masalah, dan kebutuhan which is the result of an analysis of the potential, problems,
masyarakat, kemudian perencanaan program, pelaksanaan and needs of the community, then program planning,
program, hingga monitoring dan evaluasi. Hasil dari program implementation, and monitoring and evaluation.
monitoring dan evaluasi program akan dilaporkan kepada The results of program monitoring and evaluation will
manajemen untuk ditindaklanjuti agar pelaksanaan be reported to management for follow-up so that the
program TJSL berjalan lebih efektif dan efisien. implementation of CSR programs runs more effectively
and efficiently.
[203-1]
Dalam meningkatkan kesehatan masyarakat, Perseroan In improving public health, the Company runs a posyandu
menjalankan program posyandu di sekitar area cabang program around the branch area by improving adequate
dengan meningkatkan sarana dan prasarana yang memadai facilities and infrastructure in the form of providing
berupa pemberian timbangan, alat pengukur tensi, dan scales, tension gauges, and personal protective equipment
alat pelindung diri (APD). Selain itu, FIFGROUP juga (PPE). In addition, FIFGROUP also provides food for
menyediakan makanan untuk ibu dan anak, serta memberi mothers and children, and provides financial support to
dukungan finansial kepada kader posyandu. Pada tahun posyandu cadres. In 2023, this posyandu program has been
2023, program posyandu ini telah dilaksanakan di 34 titik implemented in 34 location points with a total beneficiary
lokasi dengan total penerima manfaat sebanyak 1.426 of 1,426 children under five.
anak balita.
Sepanjang tahun 2023 Program Peduli Stunting telah Throughout 2023 Peduli Stuntung Program has been
dilaksanakan di 4 titik yang tersebar di seluruh Indonesia. implemented in 4 points spread throughout Indonesia.
Penerima manfaat dari setiap daerah yaitu sebanyak 50 Beneficiaries from each region are 50 children and 50
anak dan 50 ibu hamil, sehingga total penerima manfaat pregnant women, so that the total beneficiaries of this
dari program ini sebanyak 400 orang. Dari total tersebut program are 400 people. Of this total, 18.37% increased in
sebanyak 18,37% mengalami peningkatan berat badan, weight, 12.5% increased in height and 5.34% of children
12,5% mengalami peningkatan tinggi badan dan 5,34% were already well-nourished. All beneficiaries receive
anak sudah memiliki gizi baik. Seluruh penerima manfaat food assistance, vitamins, funds for posyandu that can be
Kegiatan peduli stunting FIFGROUP di Kecamatan Bojongsari, Kota Depok berkolaborasi dengan pemerintah setempat, Pusat Kesehatan Masyarakat
(Puskesmas), dan Pos Pelayanan Terpadu (Posyandu) dalam mendukung penurunan prevalensi stunting.
FIFGROUP
PT Peduli Stunting’s
Federal International Financeprogram in Bojongsari
| 2023 District,
Sustainability Report Depok City collaborates with the local government, Pusat Kesehatan Masyarakat
(Puskesmas), and Pos Pelayanan Terpadu (Posyandu) in supporting the decrease of stunting prevalence.
93
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mendapatkan bantuan makanan, vitamin, dana untuk used to buy healthy food for children, and socialization of
posyandu yang dapat digunakan untuk membeli makanan stunting prevention to the local community. This program
sehat bagi anak, dan sosialisasi pencegahan stunting kepada lasts for six months and is monitored and evaluated every
masyarakat setempat. Program ini berlangsung selama two months by measuring children’s height and weight.
enam bulan dan setiap dua bulan sekali dipantau dan
dievaluasi dengan mengukur tinggi dan berat badan anak.
FIFGROUP tidak hanya berfokus pada program kesehatan FIFGROUP not only focuses on maternal and child health
ibu dan anak, Perseroan juga mengimplementasikan programs, but also implements a blood donor program
program donor darah untuk karyawan dan masyarakat. for employees and the community. Through this program
Melalui program ini FIFGROUP di tahun 2023 telah FIFGROUP in 2023 has obtained 16,991 blood bags from
mendapatkan 16.991 kantong darah yang berasal dari 68 points in Indonesia. Prior to the implementation, the
68 titik di Indonesia. Sebelum pelaksanaan, Perseroan Company provides announcement and socialization of
memberikan pengumuman dan sosialisasi program. the program. FIFGROUP also provides other support
FIFGROUP juga memberikan dukungan lain di antaranya such as providing souvenirs and snacks to blood donor
menyediakan souvenir maupun snack kepada peserta donor participants.
darah.
Program kesehatan lainnya yang Perseroan implementasikan Another health program that the Company implements
yakni rumah singgah yang dijalankan dengan berkolaborasi is a halfway house run in collaboration with Hermina
bersama RSU Hermina Depok. Rumah singgah ini terbuka Depok Hospital. This halfway house is open to families
untuk keluarga pasien dari berbagai daerah yang sedang of patients from various regions who are waiting for other
menunggu anggota keluarga lainnya selama proses family members during the medical treatment process,
penanganan medis, bahkan bagi pasien yang masih dalam even for patients who are still in the waiting period for
masa tunggu mendapatkan perawatan. Fasilitas yang treatment. The facilities in this halfway house include
terdapat pada rumah singgah ini yakni kebutuhan makanan basic food needs, drinking water, beds, kitchens, and
pokok, air minum, tempat tidur, dapur, dan kamar mandi bathrooms equipped with housekeepers. In 2023, the
yang dilengkapi dengan penjaga rumah. Pada tahun 2023, number of beneficiaries of this program is 7 people.
jumlah penerima manfaat dari program ini yaitu 7 orang.
Perseroan juga melaksanakan program kesehatan yang The Company also implemented a preventive health
bersifat preventif yaitu peduli air bersih dan sanitasi layak. program, namely caring for clean water and proper
Program ini dilaksanakan di RT.08/RW.08 Kelurahan sanitation. This program is implemented in RT.08/
Lebak Bulus, Kecamatan Cilandak, Kota Jakarta Selatan RW.08 Lebak Bulus Village, Cilandak District, South
di mana masyarakat masih membuang tinja ke sungai yang Jakarta City where people still throw feces into the river
dapat menyebabkan pencemaran bahkan penyakit. Untuk which can cause pollution and even disease. For this
itu, FIFGROUP membuat Instalasi Pengolahan Air Limbah reason, FIFGROUP made a Wastewater Treatment Plant
(IPAL) berupa septic tank komunal. Melalui IPAL Komunal (WWTP) in the form of a communal septic tank. Through
atau Wastewater Treatment Plant (WWTP), maka limbah WWTP, biological and chemical waste from water can be
biologis dan kimiawi dari air dapat ditampung sehingga air accommodated so that water is not dangerous for other
tidak membahayakan untuk aktivitas lainnya. Sepanjang activities. Throughout 2023, the total beneficiaries of this
tahun 2023, total penerima manfaat dari program ini yaitu program are 98 households with 3 location points.
sebanyak 98 KK dengan 3 titik lokasi.
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[203-2]
FIFGROUP turut berkontribusi meningkatkan FIFGROUP contributes to increasing public knowledge
pengetahuan masyarakat mengenai literasi keuangan about financial literacy through the Jam Sosial Mengajar
melalui program Jam Sosial Mengajar. Program ini program. This program is conducted by providing
dilakukan dengan memberikan pengetahuan literasi financial literacy knowledge to high school students.
keuangan kepada siswa sekolah SMA/sederajat. Hal It aims to provide a strong understanding of personal
ini bertujuan untuk memberikan pemahaman yang kuat financial management, long-term financial planning,
tentang manajemen keuangan pribadi, perencanaan and wise financial decision making. Throughout 2023,
keuangan jangka panjang, dan pengambilan keputusan financial literacy training activities have been carried out
keuangan yang bijak. Sepanjang tahun 2023, kegiatan at 68 points in Indonesia. The total beneficiaries of this
pelatihan literasi keuangan telah dijalankan di 68 titik di program have reached 2,517 beneficiaries.
Indonesia. Total penerima manfaat dari program ini telah
mencapai 2.517 penerima manfaat.
Peningkatan literasi keuangan tahun 2023 juga Increasing financial literacy in 2023 was also carried out
dilaksanakan melalui kegiatan Monthly Business Clinic through Monthly Business Clinic (MOBIC) activities in
(MOBIC) dengan berkolaborasi bersama Otoritas Jasa collaboration with the Financial Services Authority (OJK)
Keuangan (OJK) dan Badan Perlindungan Konsumen and the National Consumer Protection Agency (BPKN).
Nasional (BPKN). Kegiatan ini diselenggarakan secara This activity was held in a hybrid manner with a total of
hybrid dengan total peserta sebanyak 1.200 peserta. 1,200 participants. FIFGROUP also organized financial
FIFGROUP juga turut menyelenggarakan kegiatan edukasi education activities for people with disabilities in August
keuangan bagi penyandang disabilitas pada Agustus 2023. 2023. The activity, which was initiated by OJK with the
Kegiatan ini merupakan inisiasi OJK dengan dukungan support of various PUJK starting from FIFGROUP, BNI
berbagai PUJK mulai dari FIFGROUP, BNI dan Allianz, and Allianz, was attended by more than 300 participants
dihadiri oleh lebih dari 300 peserta sahabat disabilitas with disabilities who attended directly at the seminar
yang hadir langsung di lokasi seminar, serta lebih dari location, as well as more than 1,000 other participants who
1.000 peserta lainnya yang mengikuti secara daring. followed online. The implementation of education related
Pelaksanaan edukasi terkait pentingnya literasi dan inklusi to the importance of financial literacy and inclusion is
keuangan lainnya yaitu Astra Financial Talk GIIAS 2023 Astra Financial Talk GIIAS 2023 with media participants
dengan peserta yaitu media dan FIFGROUP Grebeg Pasar. and FIFGROUP Grebeg Pasar.
Selain peningkatan literasi keuangan kepada guru, In addition to improving financial literacy to teachers,
FIFGROUP juga memberikan program pelatihan dan FIFGROUP also provides teacher training and education
Perusahaan menggelar kegiatan Pelatihan Guru Kolaborasi dan Sinergi FIFGROUP bersama Otoritas Jasa Keuangan (OJK), Selasa (30/5/2023) di Gedung
Pemuda/KNPI, Rawamangun, Jakarta Timur. Kegiatan yang digelar dalam rangka mendorong literasi dan inklusi keuangan ini diikuti lebih dari 200 guru
dari tingkat Taman Kanak-Kanak (TK) sampai dengan Sekolah Menengah Atas (SMA).
The company held a “Pelatihan Guru Kolaborasi dan Sinergi FIFGROUP” event collaborated the Financial Services Authority (OJK) at the Pemuda/KNPI
Building,
PT FederalRawamangun, East Jakarta.
International Finance | The event,
2023 which was
Sustainability
teachers from kindergarten to high school level.
held in order to encourage financial literacy and inclusion, was attended by more than 200
Report 95
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pendidikan guru. Pelaksanaan program ini berkolaborasi programs. The implementation of this program is a
bersama lembaga pendidikan ngeLESin. Pada tahun collaboration with the educational institution ngeLESin. In
2023, program pelatihan guru telah diimplementasikan 2023, the teacher training program has been implemented
di 26 cabang FIFGROUP dengan materi yang diberikan at 26 FIFGROUP branches with materials provided
diantaranya soft skill, ice breaking, quiz, dan pengetahuan including soft skills, ice breaking, quiz, and technology
teknologi. Pelatihan ini telah diikuti oleh 5.737 guru. knowledge. This training has been attended by 5,737
Program pelatihan ini mendapatkan nilai Customer teachers. This training program received a Customer
Satisfaction Index (CSI) sebesar 3,44/4. Satisfaction Index (CSI) value of 3.44/4.
[203-2]
Pada pilar ini, Perseroan turut aktif membantu masyarakat In this pillar, the Company actively assists the community
dalam mengembangkan usaha melalui implementasi in developing businesses through the implementation of a
program dana bergulir. Program dana bergulir ini revolving fund program. This revolving fund program is
merupakan pembiayaan yang ditujukan untuk pelaku a financing aimed at MSME players in order to increase
UMKM supaya dapat menambah modal, memperluas dan capital, expand and develop their businesses. Financing
mengembangkan usahanya. Pembiayaan yang diberikan is provided without interest with a loan range of Rp3-
tanpa bunga dengan kisaran pinjaman sebesar Rp3-Rp25 Rp25 million. In the financing process, the Company has
juta. Pada proses pembiayaan Perseroan mempunyai certain criteria and FIFGROUP has used a verification
kriteria tertentu dan FIFGROUP telah menggunakan mechanism and Identity Governance and Administration
mekanisme verifikasi serta Identity Governance and (IGA) System, to facilitate monitoring in the database.
Administration (IGA) System, guna memudahkan dalam
melakukan monitoring di database.
Selain pemberian pinjaman, Perseroan juga memberikan Aside from providing loans, the Company also provides
pelatihan atau workshop literasi strategi UMKM kepada training or workshops on MSME strategy literacy to
para UMKM di antaranya adopsi teknologi digital, UMKM MSMEs including digital technology adoption, Culinary
Kuliner Naik Kelas, UMKM Go Digital, dasar pembukuan MSMEs Going Upmarket, MSMEs Go Digital, basic
keuangan UMKM, dan optimalisasi dompet digital. MSME financial bookkeeping, and digital wallet
Pelatihan ini bertujuan untuk membantu mengembangkan optimization. This training aims to help develop their
usahanya sehingga pendapatan UMKM meningkat. business so that MSME income increases. In addition
Pada kegiatan FIFestival, FIFGROUP menghadirkan 15 UMKM binaan pilihan yang menawarkan produk-produk berkualitas. Hal ini mencerminkan
keanekaragaman dan kreativitas UMKM binaan FIFGROUP. Platform FIFestival ini diharapkan juga membuka kesempatan bagi para pelaku UMKM
dalam berinteraksi langsung dengan pelanggan potensial dan jaringan bisnis usahanya
During FIFestival, FIFGROUP invited 15 selected assisted MSMEs that were offering quality products. This reflects the diversity and creativity of
96 FIFGROUP-assisted MSMEs. The FIFestival platform is also expected to give opportunities
their business networks
Laporanfor MSMEs to interact
Keberlanjutan 2023 |directly with potential
PT Federal customers
International and
Finance
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Selain pelatihan, Perseroan juga mendampingi langsung to training, the Company also directly assists MSMEs.
UMKM. Sepanjang tahun 2023, total UMKM yang Throughout 2023, the total number of MSMEs that
mengikuti pelatihan sebanyak 734 UMKM, sedangkan participated in the training was 734 MSMEs, while
total keseluruhan penerima manfaat dari program dana the total number of beneficiaries of the revolving fund
bergulir sebanyak 734 UMKM. Berdasarkan jumlah program was 734 MSMES. Based on the number of
penerima manfaat tersebut, realisasi pembiayaan pada beneficiaries, the realization of financing in this period
periode ini sebesar Rp2.681.500.000. amounted to Rp2,861,500,000.
Pada tahun 2023, 15 UMKM binaan FIFGROUP juga In 2023, 15 FIFGROUP-assisted MSMEs also participated
ikut serta dalam FIFestival pada 31 Agustus sampai 1 in FIFestival on August 31 to September 1. Through
September. Melalui FIFestival, para UMKM binaan FIFestival, FIFGROUP-assisted MSMEs can sell their
FIFGROUP dapat menjual produk unggulan mereka superior products so as to increase their income. One of
sehingga mampu meningkatkan pendapatan. Salah satu the advantages of this activity is the diversity of MSMEs,
keunggulan dari kegiatan ini yaitu keberagaman UMKM, even the Company provides opportunities for MSMEs
bahkan Perseroan memberikan kesempatan kepada with disabilities to participate in this activity. From this
UMKM disabilitas untuk turut serta dalam kegiatan activity, transactions through the MSME bazaar reached
ini. Dari kegiatan tersebut, tercatat transaksi melalui Rp80,687,500 with 783 visitors.
bazar UMKM mencapai Rp80.687.500 dengan jumlah
pengunjung sebanyak 783 orang.
TESTIMONI UMKM
MSME TESTIMONIAL
Cici Yohani Udin
Owner Yoyo Bolen Penjual Kopi Keliling | Mobile Coffee
Vendor
“Saya berawal menjalankan usaha dengan
modal Rp50 ribu. Dengan melihat peluang “Dengan keberadaan saya sebagai tuna
di depan saya memberanikan diri mengolah daksa, bukan menjadi alasan saya untuk
sumber daya yang ada. Terima kasih menyerah pada keadaan. Namun membuat
FIFGROUP atas kesempatan bagi saya untuk saya terus berusaha mengalahkan kerasnya
bisa berbagi pengalaman. Bantuan dana serta dunia dengan berjualan kopi menggunakan
pembinaan yang diberikan oleh FIFGROUP sepeda. Usaha kopi saya sangat terbantu oleh
dan Grup Astra telah membawa manfaat yang adanya bantuan dana serta pembinaan yang
sangat luar biasa bagi perkembangan bisnis diberikan. Kini saatnya saya meneruskan
yang saya jalani ini.” ilmu dan pengalaman juga semangat kepada
rekan-rekan pelaku UMKM lain yang
“I started my business with a capital of Rp50 turut hadir hari ini. Semoga kita bisa terus
thousand. Seeing the opportunities before me, menjalankan UMKM ini bagi perekonomian
I ventured to process the existing resources. Indonesia.”
Thank you FIFGROUP for the opportunity
for me to share my experience. The financial “Being physically disabled is not a reason for
assistance and coaching provided by me to give up. Instead, I keep trying to beat
FIFGROUP and Astra Group have brought the harshness of the world by selling coffee
tremendous benefits to the development of using a bicycle. My coffee business has been
the business I am running.” greatly helped by the financial assistance
and coaching provided. Now is the time for
me to pass on knowledge and experience as
well as enthusiasm to other MSME players
who are also present today. Hopefully we
can continue to run these MSMEs for the
Indonesian economy.”
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Perseroan melaksanakan kegiatan penanaman pohon The Company carried out tree planting activities in 67
di 67 titik wilayah di Indonesia. Pada tahun 2023, total areas in Indonesia. In 2023, a total of 36,720 trees were
pohon yang berhasil ditanam sebanyak 36.720 pohon atau successfully planted or 8% exceeded the predetermined
8% melebihi target yang telah ditentukan yaitu 34.000 target of 34,000 trees. This tree planting activity also
pohon. Kegiatan penanaman pohon ini juga bekerja sama collaborates with 65 Agricultural Vocational High Schools
dengan 65 Sekolah Menengah Kejuruan (SMK) Pertanian (SMK) in Indonesia. Each school must plant over 500 tree
di Indonesia. Setiap sekolah wajib menanam pohon lebih seedlings, the implementation of which is accompanied
dari 500 bibit pohon, yang pelaksanaannya didampingi by FIFGROUP from seeding, maintenance, to planting. In
oleh FIFGROUP baik sejak penyemaian, perawatan, addition to assistance, the Company provides a mentoring
hingga penanaman. Selain pendampingan, Perseroan fund of Rp2 million to buy fertilizer and other nursery
memberikan dana binaan sebesar Rp2 juta untuk membeli equipment. FIFGROUP also motivates the students to run
pupuk maupun peralatan pembibitan lainnya. FIFGROUP this program well by giving appreciation in the form of
juga memotivasi para siswa untuk menjalankan program laptops to each school.
ini dengan baik melalui pemberian apresiasi berupa laptop
pada setiap sekolah.
Sepanjang tahun 2023, terdapat 3 jenis pohon konservasi Throughout 2023, there are 3 types of conservation or
atau buah langka yang ditanam yaitu di antaranya Pohon rare fruit trees planted, including Conservation Trees,
Konservasi, Mangrove & Buah Langka. Perseroan Mangroves & Rare Fruits. The Company hopes that
berharap melalui implementasi kegiatan ini dapat through the implementation of this activity it can repair
memperbaiki ekosistem yang rusak, mengembalikan damaged ecosystems, restore land degradation, and
degradasi lahan, serta menjaga lingkungan hidup lebih maintain a more sustainable living environment including
lestari termasuk keanekaragaman hayati di dalamnya. biodiversity in it.
Dalam memelihara lingkungan, FIFGROUP juga In maintaining the environment, FIFGROUP also carries
menjalankan kegiatan Fogging Malaria dan DBD di 28 out Malaria and DHF fogging activities in 28 branch
titik lokasi cabang yang memberikan dampak kepada locations impacting 2,218 households.
2.218 kepala keluarga.
Sekitar 70 karyawan FIFGROUP, mulai dari manajemen dan karyawan kantor pusat melakukan kegiatan Aksi Penanaman Mangrove pada 24 Juni 2023.
Aksi tersebut mengusung tema “Beat Plastic Pollution, Save Our MangroSea (Mangrove and Sea)” lewat penanaman 234 batang pohon mangrove jenis
Rhizopora.
98 Around 70 FIFGROUP employees, from management and head office employees conducted Mangrove Planting
Laporan Keberlanjutan 2023 Action
| PT activities
Federalon June 24, 2023.
International
action carried the theme “Beat Plastic Pollution, Save Our MangroSea (Mangrove and Sea)” through planting 234 Rhizopora mangrove trees.
The
Finance
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ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
[203-1]
Selain pilar-pilar di atas, Perseroan juga menyalurkan In addition to the pillars above, the Company distributes
dana yang bersifat bantuan sosial seperti bus sosial, funds in the form of social assistance such as social
bantuan bencana alam, bantuan panti asuhan, bantuan buses, natural disaster assistance, orphanage assistance,
Yayasan serta bantuan kegiatan masyarakat. Perseroan Foundation assistance and Community activity assistance.
menyediakan bus sosial FIFGROUP sebagai alat The Company provides FIFGROUP social bus as a means
transportasi yang dapat digunakan secara umum oleh of transportation that the community can use for various
masyarakat dalam berbagai aktivitas secara gratis. Hingga activities for free. To date, the Company has 8 units of
saat ini, Perseroan mempunyai 8 unit bus sosial yang social buses with a capacity of 24 passengers and complete
berkapasitas 24 penumpang dengan fasilitas yang lengkap. facilities. People who will use this bus must go through
Masyarakat yang akan menggunakan bus ini harus melalui the procedures provided, namely contacting the person in
prosedur yang disediakan yaitu menghubungi penanggung charge of the program equipped with a loan letter. During
jawab program yang dilengkapi dengan surat peminjaman. 2023, the social bus was used for 145 trips with 3,007
Selama tahun 2023, bus sosial telah digunakan sebanyak passengers.
145 kali perjalanan dengan total penumpang sebanyak
3.007 orang.
Dalam bantuan peduli bencana, sepanjang tahun 2023 In disaster care assistance, throughout 2023 FIFGROUP
FIFGROUP membantu masyarakat atau korban bencana helped the community or disaster victims at 13 points
di 13 titik di antaranya 1 gempa bumi, 6 banjir, dan 6 including 1 earthquake, 6 floods, and 6 fires. The company
kebakaran. Perseroan hadir memberikan bantuan berupa was present to provide assistance in the form of basic
sembako, obat-obatan, dan pakaian dengan realisasi dana necessities, medicines, and clothing with the realization of
sebesar Rp411.436.000. funds amounting to Rp411,436,000.
Sementara itu, pada bantuan bantuan keagamaan, Perseroan Meanwhile, in terms of religious assistance, the Company
menyalurkan berbagai bantuan yang bermanfaat sebagai distributes various useful assistance as a form of support
wujud dukungan terhadap kegiatan-kegiatan keagamaan for religious activities such as Eid al-Fitr, Eid al-Adha, and
seperti Hari Raya Idul Fitri, Idul Adha, dan Hari Raya Christmas. In order to welcome Eid al-Fitr, the Company
Natal. Dalam rangka menyambut Hari Raya Idul Fitri, together with AMITRA organized the Tebar Al-Quran
Perseroan bersama AMITRA menyelenggarakan kegiatan Nusantara activity with a total distribution throughout
Tebar Al-Quran Nusantara dengan total penyebaran 2023 as many as 3,400 Al-Quran in more than 120 points
sepanjang tahun 2023 sebanyak 3.400 Al-Quran di lebih of worship, communities, tahfidz houses, Islamic boarding
dari 120 titik tempat ibadah, komunitas, rumah tahfidz, schools, mosques, mushola, and orphanages. Another
Bertepatan dengan rangkaian penyelenggaraan Rapat Pimpinan (Rapim) 2024 di Kota Batam, Kepulauan Riau, FIFGROUP memberikan bantuan
keagamaan dengan total sebesar Rp204 juta yang diserahkan kepada 6 rumah ibadah dari 5 agama
During Leadership Gathering event in Batam City, Riau Islands, FIFGROUP provided religious assistance with a total of Rp204 million which was handed
over
PT to 6 houses
Federal of worship
International from 5 |religions.
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
pondok pesantren, masjid, mushola, dan panti asuhan. series of Ramadan activity are Tebar Takjil as many as
Rangkaian kegiatan ramadhan lainnya yaitu Tebar Takjil 16,640 takjil in all FIFGROUP branches, distributing
sebanyak 16.640 takjil di seluruh cabang FIFGROUP, 428 Eid gifts to the community and partners in the head
menyalurkan 428 bingkisan lebaran kepada masyarakat office environment, and financial assistance to 34 orphans
dan mitra di lingkungan kantor pusat, dan bantuan dana and 34 widows in Cilandak. In addition, FIFGROUP in
kepada 34 anak yatim dan 34 janda dhuafa di Cilandak. welcoming Eid al-Adha held a sacrifice distribution for
Selain itu, FIFGROUP dalam menyambut Hari Raya Idul the community around FIFGROUP branches. In 2023, the
Adha menyelenggarakan tebar kurban bagi masyarakat number of sacrificial animals was 3 cows and 399 goats
di sekitar cabang FIFGROUP. Pada tahun 2023, jumlah spread across 235 branch points with the realization of
hewan kurban sebanyak 3 ekor sapi dan 399 ekor kambing funds in this activity amounting to Rp1.498 billion.
yang tersebar di 235 titik cabang dengan realisasi dana
pada kegiatan ini sebanyak Rp1,498 miliar.
Kemudian, dalam menyambut Hari Raya Natal Then, in welcoming Christmas FIFGROUP held the
FIFGROUP menggelar kegiatan Tebar Alkitab. Pada Tebar Alkitab activity. In 2023, the Company distributed
tahun 2023, Perseroan membagikan alkitab sebanyak 880 as many as 880 bibles at 8 location points of FIFGROUP
buah di 8 titik lokasi cabang FIFGROUP. branches.
Selain itu, bertepatan dengan rangkaian penyelenggaraan Furthermore, coinciding with the series of the 2024
Rapat Pimpinan (RAPIM) 2024 di Kota Batam, Kepulauan Leadership Gathering in Batam City, Riau Islands,
Riau, FIFGROUP memberikan bantuan keagamaan FIFGROUP provided religious assistance totaling Rp204
dengan total sebesar Rp204 juta yang diserahkan kepada million, which was handed over to 6 places of worship
6 rumah ibadah dari 5 agama, yakni rumah ibadah Agama from 5 religions. These include the Islamic places of
Islam Masjid At-Taqwa dan Masjid Al-Azizy, Agama worship of Masjid At-Taqwa and Masjid Al-Azizy, the
Kristen Protestan Gereja GKPI Transbarelang, Agama Protestant Christian church of GKPI Transbarelang,
Kristen Katolik Gereja Paroki Malekat Agung Gabriel, the Catholic Christian church of Paroki Malekat Agung
Agama Hindu Pura Agung Amerta Bhuana, serta Agama Gabriel, the Hindu temple of Pura Agung Amerta Bhuana,
Budha Vihara Cetya Maha Bodhi, di mana masing-masing and the Buddhist temple of Vihara Cetya Maha Bodhi.
rumah ibadah menerima bantuan senilai Rp34 juta, sejalan Each place of worship received assistance worth Rp34
dengan perayaan HUT FIFGROUP yang ke 34 tahun. million, in line with the celebration of the 34th anniversary
of FIFGROUP.
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
MENJAGA KELESTARIAN LINGKUNGAN
PRESERVING ENVIRONMENTAL SUSTAINABILITY
FIFGROUP terus meningkatkan aksi nyata yang berkontribusi positif menuju perusahaan yang lebih
berkelanjutan dan resilient untuk menciptakan masa depan yang lebih baik. Perseroan terus berupaya
memberikan dampak positif kepada bumi dan iklim melalui pengurangan dampak terhadap lingkungan.
FIFGROUP continues to increase concrete actions that contribute positively towards a more sustainable
and resilient company to create a better future. The Company continously aims to have a positive impact
on the earth and its climate through reducing its impact on the environment.
INISIATIF GREEN LIFESTYLE
GREEN LIFESTYLE INITIATIVE
1 Mengurangi emisi gas rumah kaca sebesar 12,85% dan melakukan penanaman pohon
sebanyak 36.720 pohon
Reduced greenhouse gas emissions by 12.85% and planted 36,720 trees.
2 Meningkatkan penggunaan energi baru terbarukan melalui program pemasangan solar
panel dengan total di 18 cabang
Increasing the use of new renewable energy through a solar panel installation program in
a total of 18 branches
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
3 Menggunakan produk ramah lingkungan, yakni lampu Light Emitting Diode (LED) di 93
jaringan perusahaan
Using environmentally friendly products, namely Light Emitting Diode (LED) lights in
93 company networks
4 Mendorong pengurangan intensitas pengambilan air permukaan dan air tanah dan
meningkatkan pengelolaan daur ulang air
Encouraging the reduction of surface and groundwater withdrawal intensity and
improving water recycling management
5 Mengelola limbah padat
Managing solid waste
6 Menjalankan sistem digital signing dan approval untuk menghemat kertas
Implementing a digital signing and approval system to save paper
7 Melaksanakan kegiatan edukasi untuk meningkatkan kesadaran karyawan dalam
mendukung green lifestyle melalui campaign komunikasi media sosial dan membangun
budaya kerja green lifestyle
Implementing educational activities to increase employee awareness in supporting green
lifestyle through social media communication campaigns and building a green lifestyle
work culture
FIFGROUP terus berupaya meningkatkan inisiatif- FIFGROUP continues to improve environmentally friendly
inisiatif ramah lingkungan untuk mendukung efisiensi initiatives to support energy efficiency, carbon emission
energi, pengurangan emisi karbon, dan pengelolaan reduction, and waste management. Through the active
limbah. Melalui partisipasi aktif seluruh karyawan dengan participation of all employees with savings in electricity
penghematan penggunaan listrik, penerapan sumber energi use, the application of renewable energy sources, and the
terbarukan, dan intensitas pengambilan air, serta daur intensity of water withdrawal, as well as recycling and
ulang dan recovery limbah padat. Selain itu, FIFGROUP recovery of solid waste. In addition, FIFGROUP also
juga menggunakan material ramah lingkungan di uses environmentally friendly materials including using
antaranya menggunakan solar panel pada operasional. solar panels in operations. The Company believes that
Perseroan meyakini dengan langkah-langkah kecil yang small sustainable steps can create a greener environment
berkelanjutan dapat menciptakan lingkungan yang lebih in the future. Until the end of 2023, the environmental
hijau di masa yang akan datang. Hingga akhir tahun 2023, expenses incurred by the Company amounted to Rp4.28
biaya lingkungan hidup yang dikeluarkan oleh Perseroan billion, allocated for environmental activities including
adalah sebesar Rp4,28 miliar yang di peruntukan untuk the installation of solar panels, plastic waste processing,
kegiatan lingkungan di antaranya pemasangan solar panel, tree planting activities, and the purchase of Renewable
pengolahan limbah plastik, kegiatan penanaman pohon, Energy Certificates (REC), optimization of B30 and LED,
dan pembelian Renewable Energy Certificate (REC), as well as investment in environmentally friendly vehicles
optimalisasi B30 dan LED serta investasi kendaraan (electric vehicle) for company operations. The Company
ramah lingkungan (electric vehicle) untuk operasional did not receive any environmental complaints during the
perusahaan. Perseroan tidak menerima pengaduan terkait reporting period.
lingkungan hidup yang diterima selama periode pelaporan.
Uraian
2023 2022 2021
Description
Biaya Lingkungan Hidup (Rp juta) 4.286 2.799 1.652
Environmental Costs (Rp Million)
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Emisi Gas Rumah Kaca dan Greenhouse Gas Emmissions and
Bauran Energi Baru Terbarukan [3.3] New and Renewable Energy Mix [3.3]
Selaras dengan ASTRA 2030 Sustainability Aspirations, In line with ASTRA 2030 Sustainability Aspirations,
FIFGROUP senantiasa berupaya untuk menurunkan FIFGROUP strives to reduce greenhouse gas (GHG)
emisi gas rumah kaca (GRK) dan menambah penggunaan emissions and increase the use of new renewable
energi baru terbarukan sehingga dapat berkontribusi energy to contribute to climate change adaptation and
pada adaptasi dan mitigasi perubahan iklim. Perseroan mitigation. The Company uses significant energy in
menggunakan energi yang signifikan dalam kegiatan its operational activities including electricity and fuel.
operasional diantaranya listrik dan bahan bakar. Sepanjang Throughout 2023, FIFGROUP used 21,215,009.63
tahun 2023, FIFGROUP menggunakan energi listrik KWh of electricity, an increase of 5.74% compared to
sebanyak 21.215.009,63 Kwh, naik 5,74% dibandingkan 2022. Meanwhile, energy consumption from fuel both
pada tahun 2022. Sementara itu, konsumsi energi dari stationary and mobile reached 48,322,750 mega joules
bahan bakar baik stationer maupun mobile mencapai (MJ), up 6.88% compared to 2022. The increase in
48.322.750 mega joule, naik 6,88% dibandingkan pada electricity and fuel energy use is due to the Company’s
tahun 2022. Kenaikan penggunaan energi listrik dan bahan continuous growth in optimizing business processes
bakar dikarenakan Perseroan yang senantiasa bertumbuh and increasing productivity. In addition, the energy use
mengoptimalkan proses bisnis dan meningkatkan intensity is 0.46 GJ per employee per month. [302-1]
produktivitas. Selain itu, Intensitas penggunaan energi
sebesar 0,46 GJ per karyawan per bulan. [302-1]
KONSUMSI ENERGI BERDASARKAN SUMBER (MJ) [302-1]
ENERGY CONSUMPTION BY SOURCE (MJ)
Sumber Energi
2023 2022
Energy Source
Energi tidak terbarukan
Non-renewable energy
Pembakaran Bahan Bakar Stasioner 2.134.070 2.638.640
Stationary Fuel Combustion
Pembakaran Bahan Bakar Mobile 46.188.680 42.572.830
Mobile Fuel Combustion
Jumlah Konsumsi Energi tidak Terbarukan 48.322.750 45.211.470
Total Non-renewable Energy Consumption
Energi Baru Terbarukan
New and Renewable Energy
Biofuels (Bahan Bakar Stasioner) 824.040 1.018.870
Biofuels (Stationary Fuels)
Pembangkit Listrik Terbarukan (Solar PV) 763.050 310.170
Renewable Power Generation (Solar PV)
Pembelian REC 5.472.130 4.910.400
REC Purchase
Jumlah Konsumsi Energi Terbarukan 7.059.220 6.239.440
Total Renewable Energy Consumption
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Sumber Energi
2023 2022
Energy Source
Energi Tidak Terbarukan yang dibeli
Non-Renewable Energy purchased
Listrik PLN
PLN Electricity 76.370.800 72.226.260
Jumlah Konsumsi Energi (MJ)
Total Energy Consumptions 131.752.770 123.677.170
INTENSITAS PENGGUNAAN ENERGI [302-3]
ENERGY USE INTENSITY
Uraian Satuan
2023 2022 2021
Description Unit
Volume Penggunaan kWh 21.215.009,63 20.063.697,88 18.996.900,08
Listrik
Electricity Usage GJ 76.370,80 72.226,26 68.385,95
Volume
Intensitas Penggunaan kWh per karyawan 128,10 119,76 52,28
Listrik per bulan
Electricity Usage kWh per employee
Intensity per month
GJ per karyawan per bulan 0,46 0,43 0,19
GJ per employee per month
Penggunaan energi listrik dan bahan bakar juga berdampak The use of electricity and fuel also has an impact on
pada jumlah emisi yang dihasilkan. Untuk itu, Perseroan the amount of emissions produced. For this reason,
mendukung upaya mitigasi dan adaptasi perubahan the Company supports climate change mitigation and
iklim dengan menghitung emisi Gas Rumah Kaca adaptation efforts by calculating Greenhouse Gas
(GRK) cakupan 1 & 2. Hingga saat ini Perseroan sedang (GHG) emissions scope 1 & 2. To date, the Company is
mengembangkan perhitungan emisi GRK cakupan 3. Pada developing the calculation of GHG emissions scope 3. In
tahun 2023, jumlah emisi yang dihasilkan FIFGROUP 2023, the amount of emissions generated by FIFGROUP
yaitu sebesar 25.393,69 tonCO2eq. [305-3] is 25,393.69 tonsCO2eq. [305-3]
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Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
JUMLAH EMISI CAKUPAN 1 & 2 (TON CO2eq) [305-1][305-2]
TOTAL SCOPE 1 & 2 EMMISSION
Cakupan Emisi GRK
2023 2022 2021
GHG Emmission Scope
Cakupan 1 | Scope 1
• Pembakaran Bahan Bakar 6.936,63 7.638,01 8.250,26
Fuel Combustion
• Fugitif (Refrigerant & Fire Suppresion)
Cakupan 2 | Scope 2
Listrik dan Energi yang dibeli 18.457,06 17.455,42 16.527,30
Purchased Electricity
Total Emisi GRK 25.393,69 25.093,43 24.777,56
Total GHG Emmission
Keterangan: Notes:
1. Referensi perhitungan pelaporan emisi gas rumah kaca (GRK) 1. References for greenhouse gas (GHG) emissions reporting calculations
mengacu pada Greenhouse Gas Protocol Corporate Standard (2004), refer to the Greenhouse Gas Protocol Corporate Standard (2004),
World Resource Institute, World Business Council for Sustainable World Resource Institute, World Business Council for Sustainable
Development dan standar pelaporan Global Reporting Standards. Development and Global Reporting Standards reporting standards.
2. Adapun faktor emisi dan konversi lainnya diperoleh dari sumber baik 2. Other emission and conversion factors are obtained from commonly
nasional maupun internasional yang umum digunakan. used national and international sources.
3. Data berasal dari seluruh jaringan FIFGROUP. 3. Data comes from the entire FIFGROUP network.
INTENSITAS EMISI [305-4]
EMMISSION INTENSITY
Uraian Satuan
2023 2022 2021
Description Unit
Jumlah Emisi GRK Ton CO2eq 25.393,69 25.093,43* 24.777,56
(Cakupan 1 dan 2)
Total GHG Emmission
Pendapatan Operasional Rp miliar 10.416 8.963 8.840
Operating Income Rp billion
Intensitas Emisi Ton CO2eq/Rp miliar 2,43 2,80 2,80
Emmission Intensity Ton CO2eq/Rp billion
* Restatement / Penyajian Kembali
Untuk mengurangi konsumsi energi dan emisi yang To reduce energy consumption and emissions, FIFGROUP
dihasilkan, FIFGROUP menerapkan inisiatif-inisiatif implements initiatives such as saving electricity use,
di antaranya menghemat penggunaan listrik khususnya especially Air Conditioner (AC), using environmentally
Air Conditioner (AC), menggunakan produk ramah friendly products such as Light Emitting Diode (LED)
lingkungan yaitu lampu Light Emitting Diode (LED) di lamps in 93 company networks, purchasing PLN
93 jaringan perusahaan, membeli Renewable Energy Renewable Energy Certificate (REC) of 3,222 GJ in
Certificate (REC) PLN sejumlah 3.222 GJ pada tahun 2023, and installing solar panels with a capacity of 10.8
2023, dan memasang panel surya dengan kapasitas 10,8 kWp in 18 branch offices. FIFGROUP has installed solar
kWp di 18 kantor cabang. FIFGROUP telah memasang panels with an on-grid system since 2019, which has
panel surya dengan sistem on-grid sejak tahun 2019, yang currently been used in Pamulang, Yogyakarta, Semarang,
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
saat ini telah digunakan di cabang Pamulang, Yogyakarta, Cirebon, Bandung, Depok, Jakarta, Padang, Balikpapan,
Semarang, Cirebon, Bandung, Depok, Jakarta, Padang, Denpasar, Medan, Pekanbaru, Rungkut, Makassar,
Balikpapan, Denpasar, Medan, Pekanbaru, Rungkut, Palembang, Mataram, Jayapura, and Karawang branches.
Makassar, Palembang, Mataram, Jayapura, dan Karawang. The installation of solar panels as New Renewable Energy
Pemasangan panel surya sebagai Energi Baru Terbarukan (EBT) in 18 branch offices is an effort to optimize and
(EBT) di 18 kantor cabang ini sebagai upaya optimalisasi reduce GHG emissions generated from the Company’s
dan mengurangi emisi GRK yang dihasilkan dari kegiatan operational activities. Through these efforts, the amount
operasional Perseroan. Melalui upaya-upaya tersebut of GHG emission reduction with a total capacity of 194.4
jumlah reduksi emisi GRK dengan total kapasitas 194,4 kWp until the end of 2023 is 144 tonCO2eq. [305-5][306-5]
kWp hingga akhir tahun 2023 yaitu sebesar 144 tonCO2eq.
[305-5][306-5]
Selain itu, untuk mengurangi emisi GRK, Perseroan juga In addition, to reduce GHG, the Company also carries
melaksanakan kegiatan penanaman pohon. Kegiatan out tree planting activities. This activity is also a form
ini juga sebagai wujud dukungan untuk menjaga of support for maintaining biodiversity. Although the
keanekaragaman hayati. Meskipun seluruh lokasi gedung entire location of the head office building and branches of
kantor pusat maupun cabang dari FIFGROUP tidak FIFGROUP are not located or adjacent to protected areas
ada yang berada maupun berdekatan dengan kawasan or areas that have high biodiversity, so there is no negative
lindung atau kawasan yang memiliki keanekaragaman impact on the surrounding biodiversity and national and
hayati tinggi, sehingga tidak berdampak negatif pada IUCN Red List species. This tree planting activity has
keanekaragaman hayati sekitar dan spesies nasional been carried out since 2018 until now. The implementation
maupun IUCN Red List. Kegiatan penanaman pohon of tree planting is carried out in collaboration with 65
ini telah dilaksanakan sejak tahun 2018 hingga saat Agricultural Vocational High Schools (SMK) in Indonesia.
ini. Pelaksanaan penanaman pohon dilakukan dengan Throughout 2023, the number of trees successfully planted
berkolaborasi Bersama 65 Sekolah Menengah Kejuruan by the Company was 36,720 trees. [304-1][304-2][304-3][304-4]
(SMK) Pertanian di Indonesia. Sepanjang tahun 2023,
jumlah pohon yang berhasil ditanam oleh Perseroan
sebanyak 36.720 pohon. [304-1][304-2][304-3][304-4]
Pengelolaan Air [3-3] Water Management [3-3]
Penggunaan air untuk operasional Perseroan bersumber Water usage for the Company’s operations is sourced
dari PDAM untuk memenuhi keperluan domestik from PDAM to fulfill domestic needs and maintain the
dan memelihara lingkungan. Sepanjang tahun 2023, environment. Throughout 2023, FIFGROUP used 211,312
FIFGROUP menggunakan air sebanyak 211.312 m3, naik m3 of water, an increase of 15.29% compared to 2022. This
sebesar 15,29% dibandingkan tahun 2022. Kenaikan ini increase is due to the addition of branches as the Company
disebabkan oleh adanya penambahan jumlah cabang karena continues to grow to optimize business processes and
Perseroan yang senantiasa bertumbuh mengoptimalkan increase productivity.
proses bisnis dan meningkatkan produktivitas.
Sebagai salah satu bagian penting dari ASTRA 2030 As part of the ASTRA 2030 Sustainability Aspirations,
Sustainability Aspirations, Perseroan terus berupaya the Company continues to improve water use efficiency
meningkatkan inisiatif-inisiatif efisiensi penggunaan air initiatives by encouraging a reduction in the intensity
dengan mendorong pengurangan intensitas pengambilan of surface and groundwater withdrawals and managing
air permukaan dan air tanah serta mengelola daur ulang water recycling to minimize environmental impacts. The
air. Perseroan juga mengembangkan utilisasi keran Company has also developed the utilization of automatic
otomatis serta melaksanakan kampanye bijak penggunaan taps and implemented a wise water use campaign at the
air di kantor cabang maupun pusat. [303-1][303-3][303-5] head office and branches. [303-1][303-3][303-5]
Sumber Air
2023 2022 2021
Water Source
Air PDAM (m3) 211.312 193.436 223.006
Water from PDAM
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Pengelolaan Sampah [3-3] Waste Management [3-3]
Selain mengelola penggunaan air, FIFGROUP juga In addition to managing water usage, FIFGROUP
melakukan pengelolaan limbah padat domestik non- manages non-plastic domestic solid waste and plastic
plastik dan limbah plastik yang dihasilkan dari kegiatan waste generated from the Company’s operational
operasional Perseroan. Sepanjang tahun 2023, jumlah activities. Throughout 2023, the amount of non-plastic
limbah padat domestik non-plastik sebanyak 24.590,00 kg domestic solid waste was 24,590.00 kg and plastic waste
dan limbah plastik sebanyak 6.388,00 kg. Limbah tersebut was 6,388.00 kg. The waste is managed by FIFGROUP
dikelola FIFGROUP dengan bekerja sama bersama bank in collaboration with waste banks in 54 FIFGROUP
sampah di 54 titik jaringan FIFGROUP. Dari pengelolaan network points. From the waste bank management,
bank sampah tercatat 7.838,00 kg atau 31,88% limbah 7,838.00 kg or 31.88% of non-plastic domestic solid
padat domestik non-plastik dan 3.057,00 kg atau 47,85% waste and 3,057.00 kg or 47.85% of plastic solid waste
limbah padat plastik berhasil dikelola dengan baik. were successfully managed.
Perseroan menerapkan program Semangat Kurangi Plastik The Company implements the Spirit of Reducing Plastic
dengan melakukan upaya-upaya diantaranya: [2-27][306-1] program by making efforts including: [2-27][306-1][306-2]
[306-2]
• Program A.K.S.I (Ayo Kurangi Sampah Nasional) • The A.K.S.I Program (Let’s Reduce National Waste)
melalui pengelolaan sampah domestik di semua through domestic waste management across all
network FIFGROUP. Melalui program ini berhasil FIFGROUP networks. Through this program, 1600
mengolah 1600 kg sampah melalui 14.179 karyawan. kg of waste has been successfully processed involving
• Pada kegiatan HUT FIFGROUP 2023, program 14,179 employees.
FIFGROUP Bijak Plastik berhasil mengumpulkan • During the FIFGROUP 2023 anniversary event,
100,5 kg sampah botol plastik yang didapatkan dari 136 FIFGROUP Bijak Plastik program successfully
karyawan. collected 100.5 kg of plastic bottle waste obtained
• Melakukan proses pemilahan jenis limbah padat from 136 employees.
domestik non-plastik dan limbah padat plastik di kantor • Sorting out non-plastic domestic solid waste and
cabang maupun pusat. plastic solid waste at Head Office and Branches.
• Mengurangi limbah kertas dengan menjalankan sistem • Reducing paper waste by implementing a digital
digital signing dan approval. signing and approval system.
JUMLAH LIMBAH PADAT YANG DIHASILKAN (KG) [306-3][306-4][306-5]
TOTAL SOLID WASTE GENERATED (KG)
Uraian 2023 2022 2021
Description Pihak Daur Jumlah Pihak Daur Jumlah Pihak Daur Jumlah
ketiga ulang Total ketiga ulang Total ketiga ulang Total
Third Recycle Third Recycle Third Recycle
Parties Parties Parties
Limbah Padat 16.752,00 7.838,00 24.590,00 23.906,64 7.019,36 30.926 22.300,62 6.020,62 28.321,24
Domestik Non
Plastik
Non-plastic
Domestic
Solid Waste
Limbah Padat 3.331,00 3.057,00 6.388,00 2.810,57 2.757,01 5.567,58 2.336,44 2.232,44 4.568,88
Plastik
Plastic Solid
Waste
Jumlah 20.083,00 10.895,00 30.978,00 26.717,21 9.776,37 36.493,58 24.637,06 8.253,06 32.890,12
Total
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
PERATURAN OTORITAS JASA KEUANGAN (POJK) NOMOR
51/POJK.03/2017 – SURAT EDARAN OTORITAS JASA
KEUANGAN (SEOJK) NOMOR 16/SEOJK.04/2021
FINANCIAL SERVICES AUTHORITY REGULATION (POJK) NUMBER 51/POJK.03/2017
– FINANCIAL SERVICES AUTHORITY CIRCULAR LETTER (SEOJK) NUMBER 16/
SEOJK.04/2021
Indeks Kriteria Halaman
Index Criteria Page
A Strategi Keberlanjutan
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan 40-43
Explanation of Sustainability Strategy
B Ikhtisar Kinerja Aspek Keberlanjutan
Performance Highlights of Sustainability Aspects
B.1 Aspek Ekonomi 2-3
Economic Aspect
B.2 Aspek Lingkungan Hidup 3
Environmental Aspect
B.3 Aspek Sosial 4
Social Aspect
C Profil Perusahaan
Company Profile
C.1 Visi, Misi dan Nilai Keberlanjutan 51
Vision, Mission and Sustainability Value
C.2 Alamat Perusahaan 50
Company Address
C.3 Skala Usaha 53
Business Scale
C.4 Produk, Layanan dan Kegiatan Usaha yang Dijalankan 48-50
Products, Services and Business Activities Carried Out
C.5 Keanggotaan pada Asosiasi 53
Association Membership
C.6 Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan 50
Significant Changes of Issuer and Public Company
D Penjelasan Direksi 33-36
Explanation from the Board of Directors
E Tata kelola Keberlanjutan
Sustainability Governance
E.1 Penanggungjawab Penerapan Keuangan Berkelanjutan 55
Party in Charge of Sustainable Finance Implementation
E.2 Pengembangan Kompetensi Terkait Keuangan Berkelanjutan 83
Competency Development Related to Sustainable Finance
E.3 Penilaian Risiko atas Penerapan Keuangan Berkelanjutan 56-61
Risk Assessment on Sustainable Finance Implementation
E.4 Hubungan dengan Pemangku Kepentingan 64-65
Relationship with Stakeholders
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Indeks Kriteria Halaman
Index Criteria Page
E.5 Permasalahan terhadap Penerapan Keuangan Berkelanjutan 61-62
Problems on Sustainable Finance Implementation
F Kinerja Keberlanjutan
Sustainability Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan 51-52
Activity in Building Sustainability Culture
Kinerja Ekonomi
Sustainability Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan 69
dan Laba Rugi
Comparison of Target and Production Performance, Portfolio, Financing Target, or Investment, Income
and Profit or Loss
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi Pada Instrumen 70-71
Keuangan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
Comparison of Target and Portfolio Performance, Financing Target, or Investment in Financial
Instruments or Projects in Line with the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspect
F.4 Biaya Lingkungan Hidup 102
Environmental Cost
Aspek Material
Material Aspect
F.5 Penggunaan Material yang Ramah Lingkungan 102
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
F.6 Jumlah dan Intensitas Energi yang Digunakan 104
Amount and Intensity of Energy Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 101-102
Efforts and Achievements of Energy Efficiency by Using Renewable Energy
Aspek Air
Water Aspect
F.8 Penggunaan Air 106
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspect
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki 106
Keanekaragaman Hayati
Impact of Operational Areas that are Near or in a Conservation Area or Have Biodiversity
F.10 Usaha Konservasi Keanekaragaman Hayati 98
Efforts to Conserve Biodiversity
Aspek Emisi
Emission Aspect
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 105
Amount and Intensity of Emissions Produced Based on Types
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 105-106
Efforts and Achievement of Emission Reductions Carried Out
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Indeks Kriteria Halaman
Index Criteria Page
Aspek Limbah dan Efluen
Waste and Effluent Aspect
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis 107
Amount of Waste and Effluent Produced Based on Types
F.14 Mekanisme Pengelolaan Limbah dan Efluen 107
Mechanism of Waste and Effluent Management
F.15 Tumpahan yang Terjadi (Jika Ada) N/A
Spills Occurred (If Any)
Aspek Pengaduan Terkait Lingkungan Hidup
Aspect of Complaint Related to Environment
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 90
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
F.17 Komitmen LJK, Emiten, atau Perusahaan Publik untuk Memberikan Layanan atas Produk dan/atau Jasa 89
yang Setara kepada Konsumen
Commitment of LJK (Financial Services Institution), Issuer, or Public Company to Providing Equal
Services of Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment aspect
F.18 Kesetaraan Kesempatan Bekerja 79
Equal Employment Opportunity
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa 79
Child Labor and Forced Labor
F.20 Upah Minimum Regional 80
Regional Minimum Wage
F.21 Lingkungan Bekerja yang Layak dan Aman 82-83
Decent and Safe Working Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai 83-84
Training and Development of Employees’ Capabilities
Aspek Masyarakat
Community Aspec
F.23 Dampak Operasi terhadap Masyarakat Sekitar 91-100
Impact of Operations on the Surrounding Community
F.24 Pengaduan Masyarakat 90
Community Complaint
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 91-100
Environmental Social Responsibility Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan berkelanjutan 87-89
Innovation and Development of Sustainable Finance Products and/or Services
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan 89
Products/Services That Have Been Evaluated for Safety for Customers
F.28 Dampak Produk/Jasa 71-72
Impact of Product/Service
F.29 Jumlah Produk yang Ditarik Kembali 89
The Number of Products Recalled
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Indeks Kriteria Halaman
Index Criteria Page
F.30 Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 89
Customer Satisfaction Survey of the Sustainable Finance Products and/or Services
G Lain-lain
Others
G.1 Verifikasi Tertulis dari Pihak Independen (jika Ada) N/A
Written Verification from an Independent Party (if any)
G.2 Lembar Umpan Balik 119
Feedback Form
G.3 Tanggapan terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 44
Response to Feedback of Previous Year’s Sustainability Report
G.4 Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga 108
Jasa Keuangan, Emiten dan Perusahaan Publik
List of Disclosure According to POJK 51/2017 on Implementation of Sustainable Finance for Financial
Services Institutions, Issuers and Public Companies
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
INDEKS KONTEN GRI
GRI CONTENT INDEX
Pernyataan PT Federal International Finance telah melaporkan informasi yang dikutip pada indeks
Penggunaan konten GRI untuk periode 1 Januari hingga 31 Desember 2023 dengan merujuk kepada
Statement of Use Standar GRI.
PT Federal International Finance has reported the information cited in this GRI content
index for the period January 1 to December 31, 2023 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 Standards Indicator Disclosure Page
Pengungkapan Umum | General Disclosures
GRI 2: Pengungkapan 2-1 Detail Organisasi 48-50,52
Umum 2021 Organizational details
GRI 2: General
Disclosures 2021 2-2 Entitas yang Disertakan 43
Entities included in the organization’s sustainability reporting
2-3 Periode Pelaporan, Frekuensi Dan Kontak 43
Reporting period, frequency, and contact point
2-4 Pengungkapan Kembali Informasi 43
Restatements of information
2-5 Jaminan (assurance) Eksternal 43
External assurance
2-6 Aktivitas, Rantai Nilai, dan Hubungan Bisnis Lainnya 48,50,52,72
Activities, value chain and other business relationships
2-7 Karyawan 76-79
Employees
2-8 Pekerja Bukan Karyawan 76
Workers who are not employees
2-9 Struktur dan Komposisi Tata Kelola 56
Governance structure and composition
2-10 Nominasi dan Seleksi Badan Tata Kelola Tertinggi 55
Nomination and selection of the highest governance body
2-11 Kepala Badan Tata kelola Tertinggi 55
Chair of the highest governance body
2-12 Peran Badan Kelola Tertinggi dalam Mengawasi Dampak 56
Manajemen
Role of the highest governance body in overseeing the
management of impacts
2-13 Delegasi Tanggung Jawab untuk Pengelolaan Dampak 56
Delegation of responsibility for managing impacts
2-14 Peran Badan Tata Kelola Tertinggi dalam Pelaporan 44,56
Keberlanjutan
Role of the highest governance body in sustainability reporting
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Standar GRI Indikator Pengungkapan Halaman
GRI Standards Indicator Disclosure Page
2-15 Konflik Kepentingan 55
Conflicts of interest
2-16 Penyampaian Kekhawatiran yang Penting 55,63
Communication of critical concerns
2-17 Pengetahuan Kolektif Badan Tata Kelola Tertinggi 55
Collective knowledge of the highest governance body
2-18 Evaluasi Kinerja Badan Tata Kelola Tertinggi 56
Evaluation of the performance of the highest governance body
2-19 Kebijakan remunerasi 55
Remuneration policies
2-20 Proses Penetapan Remunerasi 55
Process to determine remuneration
2-21 Rasio Total Kompensasi Tahunan 55
Annual total compensation ratio
2-22 Pernyataan Strategi Pengembangan Keberlanjutan 33-36
Statement on sustainable development strategy
2-23 Komitmen Kebijakan 40
Policy commitments
2-24 Penanaman Komitmen Kebijakan 40
Embedding policy commitments
2-25 Proses Pemulihan Dampak Negatif 90
Processes to remediate negative impacts
2-26 Mekanisme Pencarian Saran dan Penyampaian Kekhawatiran 63
Mechanisms for seeking advice and raising concerns
2-27 Kepatuhan pada Hukum dan Regulasi 55,89,107
Compliance with laws and regulations
2-28 Keanggotaan dalam Asosiasi 53
Membership associations
2-29 Pelibatan Pemangku Kepentingan 64-65
Approach to stakeholder engagement
2-30 Perjanjian Perundingan Bersama 80
Collective bargaining agreements
Topik Material | Material Topics
GRI 3: Topik 3-1 Proses Penentuan Topik Material 44-45
Material 2021 Process to determine material topics
GRI 3: Material
Topics 2021 3-2 Daftar Topik Material 44-45
List of material topics
3-3 Pengelolaan Topik Material 62,79,82,
Management of material topics 83,86,106,107
Standar Topik Spesifik | Specific Topics Standards
GRI 201: 201-1 Nilai Ekonomi Langsung yang Dihasilkan dan Didistribusikan 69
Kinerja Ekonomi Direct economic value generated and distributed
2016
GRI 201: 201-2 Implikasi Finansial Akibat Perubahan Iklim 72
Economic Financial implications due to climate change
Performance 2016
201-3 Kewajiban program pensiun manfaat pasti dan program pensiun 81
lainnya
Defined benefit plan obligations and other retirement plans
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SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Standar GRI Indikator Pengungkapan Halaman
GRI Standards Indicator Disclosure Page
201-4 Bantuan finansial yang diterima dari pemerintah 72
Financial assistance received from government
GRI 202: Keberadaan 202-1 Rasio standar upah karyawan pemula berdasarkan jenis kelamin 55,80
Pasar 2016 terhadap upah minimum regional
GRI 202: Market Ratios of standard entry level wage by gender compared to local
Presence 2016 minimum wage
202-2 Proporsi manajemen senior yang berasal dari masyarakat 77
Proportion of senior management hired from the local
community
GRI 203: Dampak 203-1 Investasi infrastruktur dan dukungan layanan 93,99
Ekonomi Tidak Infrastructure investments and services supported
Langsung 2016
GRI 203: Indirect 203-2 Dampak ekonomi tidak langsung yang signifikan 95, 96
Economic Impacts Significant indirect economic impacts
2016
GRI 204: Praktik 204-1 Proporsi pengeluaran untuk pemasok lokal 72
Pengadaan 2016 Proportion of spending on local suppliers
GRI 204: Procurement
Practices 2016
GRI 205: 205-1 Penilaian terhadap Kegiatan yang Berisiko terjadi Korupsi 63
Antikorupsi 2016 Operations assessed for risks related to corruption
GRI 205: Anti-
corruption 2016 205-2 Komunikasi dan Pelatihan tentang Kebijakan dan Prosedur 63
Antikorupsi
Communication and training about anti-corruption policies and
procedures
GRI 206: Perilaku 206-1 Langkah-langkah hukum untuk perilaku antipersaingan, praktik 80
Antipersaingan 2016 antipakat dan monopoli
GRI 206: Anti- Legal actions for anti-competitive behavior, anti-trust, and
competitive Behavior monopoly practices
2016
GRI 207: Pajak 2019 207-1 Pendekatan terhadap pajak 72
GRI 207: Tax 2019 Approach to tax
207-2 Tata kelola, pengontrolan, dan manajemen risiko pajak 72
Tax governance, control, and risk management
207-3 Keterlibatan pemangku kepentingan dan pengelolaan kepedulian 72
yang berkaitan dengan pajak
Stakeholder engagement and management of concerns related
to tax
GRI 302: 302-1 Konsumsi Energi dalam Organisasi 103
Energi 2016 Energy consumption in the organization
GRI 302: Energy
2016 302-3 Intensitas Energi 104
Energy intensity
GRI 303: Air dan 303-1 Interaksi dengan Air sebagai Sumber Daya Bersama 106
Efluen 2018 Interactions with water as a shared resource
GRI 303: Water and
Effluents 2018 303-3 Pengambilan air 106
Water withdrawal
303-5 Konsumsi Air 106
Water consumption
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Standar GRI Indikator Pengungkapan Halaman
GRI Standards Indicator Disclosure Page
GRI 304: 304-1 Lahan operasi berdekatan dengan kawasan lindung dan memiliki 106
Keanekaragaman nilai keanekaragaman hayati tinggi
Hayati 2016 Operation sites adjacent to protected areas and areas of high
GRI 302: Biodiversity biodiversity value
2016
304-2 Dampak signifikan aktivitas, produk, dan jasa terhadap 106
keanekaragaman hayati
Significant impacts of activities, products and services on
biodiversity
304-3 Habitat yang dilindungi atau direstorasi 106
Habitats protected or restored
304-4 Spesies Daftar Merah IUCN dan spesies daftar konservasi 106
nasional dengan habitat dalam wilayah yang terkena efek operasi
IUCN Red List species and national conservation list species
with habitats in areas affected by operations
GRI 305: 305-1 Emisi GRK (Cakupan 1) Langsung 105
Emisi 2016 Direct (Scope 1) GHG emissions
GRI 305: Emission
2016 305-2 Emisi Energi GRK (Cakupan 2) Tidak Langsung 105
Energy indirect (Scope 2) GHG emissions
305-3 Emisi GRK (Cakupan 3) tidak langsung lainnya 104
Other indirect (Scope 3) GHG emissions
305-4 Intensitas emisi GRK 105
GHG emissions intensity
305-5 Pengurangan emisi GRK 106
Reduction of GHG emissions
GRI 306: 306-1 Timbulan limbah dan dampak signifikan terkait limbah 107
Limbah 2020 Waste generation and significant waste-related impacts
GRI 306: Waste 2020
306-2 Manajemen Dampak Signifikan Terkait Limbah 107
Management of significant waste related impacts
306-3 Timbulan limbah 107
Waste generated
306-4 Limbah yang dialihkan dari pembuangan akhir 107
Waste diverted from disposal
306-5 Limbah yang dikirimkan ke pembuangan akhir 106-107
Waste directed to disposal
GRI 308: Penilaian 308-1 Seleksi pemasok baru dengan menggunakan kriteria lingkungan 72
Lingkungan Pemasok New suppliers that were screened using environmental criteria
2016
GRI 308: Supplier 308-2 Dampak lingkungan negatif dalam rantai pasokan dan tindakan 72
Environmental yang telah diambil
Assessment 2016 Negative environmental impacts in the supply chain and actions
taken
GRI 401: 401-1 Perekrutan Karyawan Baru dan Pergantian Karyawan 77-79
Kepegawaian 2016 New employee hires and employee turnover
GRI 401:
Employment 2016 401-2 Tunjangan yang Diberikan kepada Karyawan Purnawaktu yang 81
Tidak Diberikan kepada Karyawan pada Kurun Waktu Tertentu
atau Paruh Waktu
Benefits provided to full-time employees that are not provided to
temporary or part-time employees
401-3 Cuti Melahirkan 81
Parental leave
PT Federal International Finance | 2023 Sustainability Report 115
Page 118
Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Standar GRI Indikator Pengungkapan Halaman
GRI Standards Indicator Disclosure Page
GRI 403: 403-1 Sistem Manajemen Kesehatan dan Keselamatan Kerja 82-83
Kesehatan dan Occupational health and safety management system
Keselamatan Kerja
2018 403-2 Pengidentifikasian bahaya, penilaian risiko, dan investigasi 82
GRI 403: insiden
Occupational Health Hazard identification, risk assessment, and incident investigation
and Safety 2018
403-3 Layanan Kesehatan Kerja 82
Occupational health services
403-4 Partisipasi, konsultasi, dan komunikasi pekerja tentang 82
kesehatan dan keselamatan kerja
Worker participation, consultation, and communication on
occupational health and safety
403-5 Pelatihan Pekerja mengenai Kesehatan dan Keselamatan 82
Worker training on occupational health and safety
403-6 Peningkatan Kualitas Kesehatan Pekerja 82
Promotion of worker health
403-7 Pencegahan dan mitigasi dampak-dampak kesehatan dan 82
keselamatan kerja yang secara langsung terkait hubungan bisnis
Prevention and mitigation of occupational health and safety
impacts directly linked by business relationships
403-8 Pekerja yang tercakup dalam sistem manajemen kesehatan dan 82
keselamatan kerja
Workers covered by an occupational health and safety
management system
403-9 Kecelakaan Kerja 83
Work-related injuries
403-10 Penyakit Akibat Kerja 83
Work-related ill health
GRI 404: Pelatihan 404-1 Rata-rata jam pelatihan per tahun per karyawan 84
dan Pendidikan 2016 Average hours of training per year per employee
GRI 404: Training and
Education 2016 404-2 Program untuk meningkatkan keterampilan karyawan dan 81,83
program bantuan peralihan
Programs for upgrading employee skills and transition assistance
programs
404-3 Persentase Karyawan yang Menerima Tinjauan Rutin terhadap 84
Kinerja dan Pengembangan Karier
Percentage of employees receiving regular performance and
career development reviews
GRI 405: 405-1 Keanekaragaman badan tata kelola dan karyawan 55
Keanekaragaman dan Diversity of governance bodies and employees
Peluang Setara 2016
GRI 405: Diversity
and Equal
Opportunity 2016
GRI 406: 406-1 Insiden diskriminasi dan Tindakan Perbaikan yang Dilakukan 80
Nondiskriminasi 2016 Incidents of discrimination and corrective actions taken
GRI 406: Non-
discrimination 2016
GRI 407: Kebebasan 407-1 Operasi dan pemasok di mana hak atas kebebasan berserikat dan 80
Berserikat dan perundingan kolektif mungkin berisiko
Perundingan Kolektif Operations and suppliers in which the right to freedom of
2016 association and collective bargaining may be at risk
GRI 407: Freedom
of Association and
Collective Bargaining
2016
116 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 119
Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
Standar GRI Indikator Pengungkapan Halaman
GRI Standards Indicator Disclosure Page
GRI 408: 408-1 Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden 72,79
Pekerja Anak 2016 Pekerja Anak
GRI 408: Child Labor Operations and suppliers at significant risk for incidents of child
2016 labor
GRI 409: 409-1 Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden 72,79
Kerja Paksa atau Kerja Paksa atau Wajib Kerja
Wajib Kerja 2016 Operations and suppliers at significant risk for incidents of
GRI 409: Forced or forced or compulsory labor
Compulsory Labor
2016
GRI 410: Praktik 410-1 Petugas keamanan yang dilatih mengenai kebijakan atau 80
Keamanan 2016 prosedur hak asasi manusia
GRI 410: Security Security personnel trained in human rights policies or
Practices 2016 procedures
GRI 414: Penilaian 414-1 Seleksi pemasok baru dengan menggunakan kriteria sosial 72
Sosial Pemasok 2016 New suppliers that were screened using social criteria
GRI 414: Supplier
Social Assessment 414-2 Dampak sosial negatif dalam rantai pasokan dan tindakan yang 72
2016 telah diambil
Negative social impacts in the supply chain and actions taken
GRI 416: Kesehatan 416-1 Penilaian dampak kesehatan dan keselamatan dari berbagai 89
dan Keselamatan kategori produk dan jasa
Pelanggan 2016 Assessment of the health and safety impacts of product and
GRI 416: Customer service categories
Health and Safety
2016 416-2 Insiden ketidakpatuhan sehubungan dengan dampak kesehatan 89
dan keselamatan dari produk dan jasa
Incidents of non-compliance concerning the health and safety
impacts of products and services
GRI 417: 417-1 Persyaratan untuk Pelabelan dan Informasi Produk dan Jasa 89
Pemasaran dan Requirements for product and service information and labeling
Pelabelan 2016
GRI 417: Marketing 417-2 Insiden Ketidakpatuhan terkait Informasi dan Pelabelan Produk 89
and Labeling 2016 dan Jasa
Incidents of non-compliance concerning product and service
information and labeling
417-3 Insiden Ketidakpatuhan Terkait Komunikasi Pemasaran 89
Incidents of non-compliance concerning marketing
communications
GRI 418: 418-1 Pengaduan yang Berdasar mengenai Pelanggaran terhadap 87
Privasi Pelanggan Privasi Pelanggan dan Hilangnya Data Pelanggan
2016 Substantiated complaints concerning breaches of customer
GRI 418: Customer privacy and losses of customer data
Privacy 2016
PT Federal International Finance | 2023 Sustainability Report 117
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Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Halaman Ini Sengaja Dikosongkan.
This page is intentionally left blank.
118 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 121
Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
LEMBAR UMPAN BALIK
FEEDBACK FORM
Laporan Keberlanjutan 2023 PT FIFGROUP telah PT FIFGROUP’s 2023 Sustainability Report has described
menggambarkan kinerja keberlanjutan Perseroan. Kami the Company’s sustainability performance. We expect input,
mengharapkan masukan, kritik dan saran dari Bapak/Ibu/Saudara criticism and suggestions from you on this Sustainability Report
atas Laporan Keberlanjutan ini melalui e-mail atau formulir ini. via e-mail or this form. All inputs, criticisms, and suggestions are
Seluruh masukan, kritik, dan saran sangat penting bagi kemajuan very important for the progress of FIFGROUP’s report deliveries
penyampaian laporan FIFGROUP kedepannya. in the future.
Profil Anda / Your Profile
Nama (bila berkenan) / Name (if allowed) :
Institusi/Perusahaan / Institution/Company :
E-mail / E-mail :
Phone / Handphone :
Golongan Pemangku Kepentingan / Stakeholders Category
Pemegang Saham Regulator Karyawan Pelanggan
Shareholders Government Employee Customer
Mitra Kerja Masyarakat Lain-lain, mohon sebutkan...........
Business Partners Public Others, please explain....
Uraian Setuju Netral Tidak Setuju
Description Agree Neutral Not Agree
1. Laporan ini mudah dimengerti
This report is easy to understand
2. Laporan tersebut telah menggambarkan informasi positif dan negatif dari perusahaan
The report has described positive and negative information of the Company
3. Informasi terkait Lingkungan, Sosial, dan Tata kelola (LST) sudah memadai
Informations related to Environmental, Social and Governance (ESG) are sufficient
Mohon berikan penilaian atas tingkat topik material di bawah (nilai 1=paling signifikan s/d 6=kurang signifikan).
Please provide an assessment of the level of material topics below (value 1 = most significant to 6= less significant).
Kinerja ekonomi Pengelolaan Air Pengelolaan Sampah
Economic Performance Water Management Waste Management
Kesehatan dan Keselamatan Kerja Keberagaman dan Inklusivitas Pelatihan dan Pendidikan
Occupational Health and Safety Diversity and Inclusivity Education and Training
Keterlibatan dan Dampak Komunitas Etika Bisnis Keamanan Data dan Privasi Pelanggan
Community Engagement and Impact Business Ethics Customer Data Security and Privacy
Portofolio Pinjaman dan Investasi Emisi Gas Rumah Kaca dan Bauran
yang Berkelanjutan Energi Baru Terbarukan (EBT)
Sustainable Loan and Investment Greenhouse Gas Emmission and
Portfolio New and Renewable Energy Mix
Mohon berikan saran/usul/komentar Anda atas laporan ini:
Kindly provide your feedbacks/suggestions/comments about this report:
Terima kasih atas saran dan masukan untuk perbaikan dan Thank you for the feedbacks and suggestions for the improvement
kemajuan laporan ini di tahun yang akan datang. Formulir and progress of this report in the coming year. The feedback sheet
lembar umpan balik dapat disampaikan melalui: form can be submitted via:
corpsecretary@fifgroup.astra.co.id
PT Federal International Finance | 2023 Sustainability Report 119
Page 122
Ikhtisar Keberlanjutan Penjelasan Presiden Direktur Strategi Keberlanjutan
SUSTAINABILITY HIGHLIGHTS MESSAGE FROM THE PRESIDENT DIRECTOR SUSTAINABILITY STRATEGY
Halaman Ini Sengaja Dikosongkan.
This page is intentionally left blank.
120 Laporan Keberlanjutan 2023 | PT Federal International Finance
Page 123
Tentang Kami Kinerja Ekonomi Kinerja Keberlanjutan
ABOUT US ECONOMIC PERFORMANCE SUSTAINABILITY PERFORMANCE
PT Federal International Finance | 2023 Sustainability Report 121
Page 124
Menara FIF Jl. T.B Simatupang Kav. 15 Cilandak, Jakarta Selatan 12440 Indonesia +62 21 7698899 corpsecretary@fifgroup.astra.co.id www.fifgroup.co.id
Names mentioned 63 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT FEDERAL INTERNATIONAL FINANCE LEVEL UP THE RACE
p.1
unresolved
person
Improving Community Welfare
· President Director
p.3 ×2
unresolved
org
Perusahaan Non Tbk
p.7
unresolved
org
Kementerian Sosial RI Ekonomi Nusantara
p.10
unresolved
org
PT In
p.12
unresolved
org
Yayasan Astra
p.15
unresolved
org
Yayasan As
p.15
unresolved
org
Produk Domestik Tbk.
p.15
unresolved
org
Financial Services Authority
p.17 ×15
unresolved
org
PT Astra Kreasi Digital
p.23 ×2
unresolved
org
PT Federal
p.23 ×6
unresolved
org
JNEI PTE. LTD
p.23 ×2
unresolved
org
PT Tiki Jalur Nugraha Ekakurir
p.23
unresolved
org
Perlindungan Konsumen Nasional
p.24
unresolved
org
PT Astra FIFGROUP
p.28
unresolved
person
Prof. Dr. Djayusman
p.29
unresolved
person
Prof. Dr. Djayusman Auditorium
p.29
unresolved
org
Kementerian Sosial Incubation Program
p.30
unresolved
org
Ministry of Social Affairs Kecil
p.30
unresolved
org
Kementerian Koordinator
p.30
unresolved
org
PT Federal Domestik Bruto
p.30
unresolved
org
Kementerian Komunikasi
p.30
unresolved
org
Kementerian Sosial Republik Indonesia. Apresiasi dan Informatika
p.30
unresolved
org
Menteri Sosial Republik Indonesia
p.30
unresolved
org
Ministry of Social Affairs
p.30 ×3
unresolved
org
Minister of Social Affairs
p.30
unresolved
org
Departemen EHSSR
p.36
unresolved
org
Kementerian Sosial RI dan Pemerintah
p.37
unresolved
person
VALENTINA
· Direktur
p.39
unresolved
org
PT Federal International Finance Sustainability Report Tahun
p.45
unresolved
org
PT Mitrapusaka Artha Finance
p.50 ×2
unresolved
org
PT Arya Kharisma
p.51
unresolved
org
PT Arya Kharisma Menteri Kehakiman No. C
p.51
unresolved
org
Menteri Kehakiman No. C
p.51
unresolved
person
Notary Rukmasanti Hardjasatya
p.51
unresolved
org
PT Rapi Utama Indonesia
p.55 ×2
unresolved
org
Bank Financial Services Institutions
p.60
unresolved
—
Employee
p.66
unresolved
—
Stakeholder Engagement [2-29]
p.66
unresolved
org
proximity and impact on the Company. FIFGROUP
p.66
unresolved
—
in various engagement methods.
p.66
unresolved
org
• Management walk through
p.66
unresolved
—
• Rapat Koordinasi
p.66
unresolved
—
• Kegiatan Sosialisasi
p.66
unresolved
—
• Coordination meetings
p.66
unresolved
—
• Sosialization
p.66
unresolved
org
Dana Pensiun Astra
p.83
unresolved
org
Bank Financial Services Institutions. Strategi
p.89
unresolved
org
Perlindungan Konsumen
p.97
unresolved
org
PT FederalRawamangun
p.97
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