Proposal DPLK Avrist & AIA

QUOTATION SLIP
No Referensi : 0668/QS/PLC/II/2021
Jenis Program : Dana Pensiun Lembaga Keuangan
Nama Program : Program Pensiun Untuk Kompensasi Pesangon
Nama Perusahaan : PT NUSA EKA WIRAPRATAMA
Okupasi Perusahaan : Manufacture
Periode Program : 1 Februari 2021
Jumlah Peserta : 21 peserta
Provider Program : DPLK Avrist

DPLK AIA
Masa Berlaku Proposal : 30 hari sejak tanggal proposal
Jakarta, 17 Februari 2021

Disetujui oleh, PT Pialang Asuransi Indotekno
Nama : Nama : Santy Chen

Jabatan : Jabatan : Head of Placement
Ruko Ruko Rich Palace Blok A1 No. 36 - 40

Jl. Meruya Ilir Raya Srengseng – Kembangan
Jakarta Barat, ID 11630
Summary Program & Fasilitas
No Deskripsi AVRIST AIA

1 Nama Program DPLK PPUKP DPLK PPUKP
0,125% per bulan dari akumulasi
2 Biaya Investasi 0,75% per tahun dari akumulasi dana
dana
Biaya
3 Tidak ada Tidak ada
Administrasi
Biaya Perubahan
4 Tidak ada Tidak ada
Investasi
1th : 2% < 12 bulan 5%
>2th : 1% 12 - 24 bulan 4%
Biaya Pemutusan
5 >3th : 0% 24 - 36 bulan 3%
Kerjasama
36 - 48 bulan 2%
> 48 bulan 1%
Pembayaraan 7 hari kerja setelah dokumen 7 hari kerja setelah dokumen
6
Manfaat diterima dan lengkap diterima dan lengkap
Pengajuan bisa via softcopy menyusul Pengajuan bisa via softcopy menyusul
7 Proses Klaim
hardcopy dikirimkan hardcopy dikirimkan
Customer Call Center & Customer Relation
8 Tersedia
Service (pada jam kerja)
Portal Web
9 untuk PIC Tersedia Tersedia
Perusahaan
10 Mobile Aps Tidak tersedia Tidak tersedia
11 Flexibilitas Iuran Ya Ya
12 Iuran per bulan Flexible Flexible
Iuran Past
13 Service Liability Flexible Flexible
(PSL)
Metode
14 Bulanan / Semesteran / Tahunan Bulanan / Semesteran / Tahunan
Pembayaran
Ruko Ruko Rich Palace Blok A1 No. 36 - 40

Jl. Meruya Ilir Raya Srengseng – Kembangan
Jakarta Barat, ID 11630
AVRIST DPLK
(Dana Pensiun Lembaga Keuangan)
PROPOSAL
Program Pensiun Untuk Kompensasi Pesangon (PPUKP)
Pension Plan to Compensate Severance Payment
Submitted to : PT. Nusa Eka Wira Pratama

Date : 15 February 2021
No. : 08/DGP/II/2021
Type : Plan Design & Valuation Summary
RINGKASAN PERHITUNGAN SUMMARY OF FINANCING
PENDANAAN PESANGON SEVERANCE FUNDING
Program Pensiun Untuk Kompesasi Pension Plan to Compensate
Pesangon (PPUKP) Severance Payment
1. Pendahuluan 1. Introduction
Perhitungan kewajiban dan iuran PPUKP The calculation of liability and PPUKP
berdasarkan manfaat UU Ketenagakerjaan contribution based on Labor Law No. 13
No. 13 Tahun 2003. Perhitungan ini Year 2003 benefits. The calculation is
dimaksudkan hanya untuk memberikan intended only to give forecast information
informasi perkiraan kewajiban dan iuran of obligation and PPUKP contribution to
PPUKP kepada perusahaan. the Company.
2. Informasi Perusahaan 2. Company Information

 Nama :PT Nusa Eka Wira Pratama  Name :PT Nusa Eka Wira Pratama
 Jumlah Karyawan : 21 Karyawan  Total Employee : 21 Employee
3. Manfaat Program 3. Benefits of the Program

Mengacu kepada UU Ketenagakerjaan No. 13 Refer to Labor Law No. 13 Year 2003 or
Tahun 2003 atau Peraturan Perusahaan (mana Company Regulation (whichever is
yang lebih besar). greater).
Type of Program : Defined Benefit Program

(Lump sum payment)
Name of Program : Post-Employment Benefits Program
(Law Labor No. 13 Year 2003)
Regulation : Law No. 13 of 2003 and Company Regulation
(CLA)
Eligibility : Permanent Employee
Pensionable salary : Wage (Basic Salary + Fix Allowance)
Normal Retirement Age : 55 years old
Benefit Formulas:
− Normal Retirement Benefit : [(2 x SP) + (1 x SA)] x 115% x Wage
− Voluntary Resignation Benefit : NIL
− Death benefit : [(2 x SP) + (1 x SA)] x 115% x Wage
− Long Term Illness / Disability : [(2 x SP) + (2 x SA)] x 115% x Wage
Benefit
Rumus & Skala Manfaat UU No. 13 Tahun Formulas and Benefits Scale of Labor
2003 Tentang Ketenagakerjaan Law No. 13 Year 2003
Rumus dan skala manfaat sesuai Formulas and benefits scale under
ketentuan UU Ketenagakerjaan No. 13 Labor Law No. 13 Year 2003, consists
Tahun 2003 terdiri dari Uang Pesangon of Severance Pay (SP), Service Awards
(UP), Uang Penghargaan Masa Kerja (SA), and Compensation Money (CM),
(UPMK), dan Uang Penggantian Hak that is :
(UPH) yaitu :
Masa Masa
Year of Year of
Kerja UP* Kerja UPMK*
Service SP* Service SA*
(MK) (MK)
(YOS) (YOS)
MK < 1 1 MK < 3 0
YOS < 1 1 YOS < 3 0
MK > 1 2 MK > 3 2
YOS > 1 2 YOS > 3 2
MK > 2 3 MK > 6 3
YOS > 2 3 YOS > 6 3
MK > 3 4 MK > 9 4
YOS > 3 4 YOS > 9 4
MK > 4 5 MK > 12 5
YOS > 4 5 YOS > 12 5
MK > 5 6 MK > 15 6
YOS > 5 6 YOS > 15 6
MK > 6 7 MK > 18 7
YOS > 6 7 YOS > 18 7
MK > 7 8 MK > 21 8
YOS > 7 8 YOS > 21 8
MK > 8 9 MK > 24 10
YOS > 8 9 YOS > 24 10
*) Perkalian Upah *) multiplication of wages
Uang Penggantian Hak (UPH) ditetapkan 15% Compensation Money (CM) stipulated 15%
(lima belas perseratus) dari Uang Pesangon (fifteen percent) from Severance Pay (SP)
(UP) dan atau Uang Penghargaan Masa Kerja and or Long Service Awards (LSA).
(UPMK).
4. Metodelogi Perhitungan 4. Calculation Method

Sesuai PSAK No. 24 (Revisi 2013), metode In accordance with PSAK No. 24 (2013
perhitungan aktuaria yang harus Revision), the actuarial calculation
dipergunakan adalah "Projected Unit Credit". method that must be used is "Projected
Berdasarkan metode ini, manfaat/imbalan Unit Credit". Based on this method, the
diakru secara prorata sesuai periode jasa, atau benefits / rewards are accrued according
dengan kata lain manfaat/imbalan dibagi total to prorate the service period, or in other
masa kerja. Metode ini mengganggap setiap words the benefits / benefits are divided
periode jasa akan menghasilkan satu unit by the total working period. This method
tambahan manfaat/imbalan dan mengukur assumes that each service period will
setiap unit secara terpisah untuk produce an additional unit of benefits /
menghasilkan kewajiban final. rewards and measure each unit
Metode Projected Unit Credit mensyaratkan separately to produce the final liability.
entitas untuk mengatribusikan imbalan pada The Projected Unit Credit method
periode kini (untuk menentukan biaya jasa requires an entity to attribute rewards in
kini) dan periode kini dan periode lalu (untuk the current period (to determine current
menentukan nilai kini kewajiban imbalan service costs) and current and past
pasti). periods (to determine the present value
of a defined benefit obligation).
5. Ringkasan Data Karyawan dan Data 5. Summary of Employees Data and
Keuangan Financial Data
Berikut adalah ringkasan data karyawan aktif yang akan digunakan dalam valuasi.
Following is a summary of the active employee data that will be used in the valuation
Participant Data as of 11 February 2021

Number of Employees 21 Employee
Average Age 40.71
Average Service Years 7.93
Total Monthly Pensionable Salary IDR 97.500.000
Distribusi Karyawan Aktif / Distribution of Active Participants
Estimasi Pembayaran Kewajiban Imbalan Pasti / Expected Term Benefits Obligation

6. Asumsi Perhitungan 6. Calculation Assumptions
Asumsi-asumsi : Assumptions :
Effective Date Program : 01 February 2021

Normal Retirement Age : 57 years old
Discount Rate : 7.00% per annum
Investment Return : 7.00% per annum
Future Salary Increment Rate : 5.00% per annum
Investment Fee : 1.50% per annum
Mortality Rate : Indonesian Mortality Table (TMI 2011)
Disability Rate : 10% of Mortality Rate
5% until age 20 then decreasing linearly to 0% at age
Resignation Rate :
50
Penjelasan atas dasar asumsi yang ditetapkan, The explanations on the basis of the
khusus untuk tingkat bunga diskonto determined assumptions in particular
diberikan dalam paragraf berikut. discount rate is given in the following
paragraphs.
Tingkat Bunga Diskonto Discount Rate
Mengacu pada PSAK 24 (Revisi 2013) par 83- Refer to PSAK 24 (Revised 2013) par 83-86
86 menyatakan bahwa “Tingkat yang states that “The rate used to discount post-
digunakan untuk mendiskontokan kewajiban employment benefit obligations (both
imbalan pascakerja (baik yang didanai funded and unfunded) should be determined
maupun tidak) ditentukan dengan mengacu by reference to market yields at the balance
pada bunga obligasi korporasi berkualitas sheet date on high quality corporate bonds.
tinggi pada akhir periode pelaporan. Di negara In country where there is no deep market in
dimana tidak terdapat pasar aktif dan stabil such bonds, the market yields (at the balance
bagi obligasi tersebut, maka digunakan sheet date) on government bonds should be
tingkat bunga obligasi pemerintah.” used.”
Dalam hal kualitas tinggi dari jenis investasi In terms of high quality fixed income
berpendapatan tetap (obligasi), ketersediaan investments, the availability of corporate
obligasi korporasi di Indonesia sangat bonds in Indonesia is minimal. Hence we have
terbatas. Oleh karena itu kami telah melihat looked at the yields on long term Indonesian
imbal hasil Obligasi Pemerintah Indonesia Government bonds as the reference point.
jangka panjang sebagai titik acuan.
We have looked at the yields on long term
Kami telah melihat imbal hasil obligasi jangka Indonesian Government bonds at 01
panjang pemerintah Indonesia pada 01 February 2021 as the reference point to
February 2021 sebagai titik referensi untuk assume the discount rate at 01 February
mengasumsikan tingkat diskonto pada 01 2021 as follow:
February 2021 sebagai berikut:
Digunakan sebagai dasar adalah Obligasi Used as the base are Government Bonds with
Pemerintah dengan waktu jatuh tempo sesuai time to maturity consistent with the expected
dengan jangka waktu yang diharapkan dari term of the benefit obligation which is around
kewajiban manfaat pasti yaitu sekitar 19.62 19.62 years. As at 01 February 2021, the median
tahun. Pada 01 February 2021, hasil rata-rata yield on government bonds maturing in 21
obligasi pemerintah yang jatuh tempo dalam years and 22 years were 7.0084% p.a. and
21 tahun dan 22 tahun yaitu 7.0084% per tahun 7.0211% p.a. Using interpolation and rounding
dan 7.0211% per tahun. Menggunakan down to the nearest 25 bps, the discount rate
interpolasi dan pembulatan kebawah terdekat is 7,00% pa
ke 25 bps, Tingkat Bunga Diskonto adalah
7,00% per tahun.
Tingkat Mortalita Mortality Rate
Tabel Mortalita adalah Tabel Mortalita The Mortality Table is the Indonesian
Indonesia (TMI 2011) Laki-Laki. Perwakilan Mortality Table (TMI 2011) for Men.
tingkat mortalita ditunjukkan seperti dibawah Representative mortality rates are shown
ini : below:
Usia Tingkat Mortalita Age Mortality Rates
25 0.00085 25 0.00085
30 0.00076 30 0.00076
35 0.00091 35 0.00091
40 0.00153 40 0.00153
45 0.00279 45 0.00279
50 0.00538 50 0.00538
55 0.00961 55 0.00961
Tingkat Cacat Disability Rate
Tingkat di mana peserta diasumsikan menjadi The rates at which participants are assumed
cacat usia adalah sebagai berikut : to become disabled by age are shown below:
Age Disability Rates
Usia Tingkat Cacat 25 0.000085
25 0.000085 30 0.000076
30 0.000076 35 0.000091
35 0.000091 40 0.000153
40 0.000153 45 0.000279
45 0.000279 50 0.000538
50 0.000538 55 0.000961
55 0.000961
7. Ringkasan Hasil Valuasi dan Rancangan 7. Summary of Valuation Results and

Program Plan Design
Program pensiun akan dikelola di bawah Pension Program managed as DPLK Pooled
produk DPLK Akun Kumpulan (Pooled Fund) Fund or more well-known as DPLK PPUKP
yang lebih dikenal dengan nama DPLK PPUKP is one of DPLK Avrist product which is
(Program Pensiun Untuk Kompensasi administered pooled fund and can be
Pesangon). Program PPUKP merupakan salah treated as Plan Asset in company's
satu produk DPLK Avrist yang Financial Statement, as regulated in the
diadministrasikan secara akun kumpulan PSAK 24 or IAS 19 which stated that
(pooled fund) yang dapat dijadikan sebagai company should record the defined
Aset Program (Plan Asset) pada laporan benefit liability.
keuangan Peusahaan terkait dengan
pengakuan kewajiban imbalan pasti sesuai
PSAK 24 atau standar international (IAS 19).
I. Liabilitas I. Liability
Berdasarkan hasil valuasi diatas, PVDBO Based on the valuation above, PVDBO
(Present Value Defined Benefit Obligation) (Present Value Defined Benefit
or PSL (Past Service Liability) adalah sebesar Obligation) or PSL (Past Service Liability)
Rp 755,526,237,- per 01 February 2021 is IDR 755,526,237,- as of 01 February
2021
II. Premi atau Kontribusi Masa Datang II. Premium or Future Contribution
Ada beberapa alternative dapat dilakukan There are several alternatives which
oleh Perusahaan dalam strategi pendanaan Company can consider in strategizing
dalam menentukan iuran pensiun untuk the funding of pension for future
masa kerja akan datang sebagai berikut : contribution:
 Perusahaan dapat memulai program dengan  Company can start the program
Initial Fund (Dana Awal) ataupun tidak. with Initial Fund or not. If
Apabila Perusahaan memulai program dengan Company decides to start the
membayar atau menyetor Dana Awal sebesar program by contributing the first
PSL yaitu Rp 755,526,237,- yang disetorkan initial fund of the PSL amount IDR
secara sekaligus atau 1 kali pembayaran, maka 755,526,237,- and the amount is
kemudian Perusahaan dapat melanjutkan paid 1 time in advance, then
Program dengan iuran regular setiap bulan Company may continue the
sebesar 09.77% dari total gaji / upah. Detail Program by monthly regular
ilustrasi perhitungan dan cash flow silakan contribution of 09,77% of Total
dilihat pada file excel yang bernama "Plan Salary. Detailed Illustration and
Design & Calculation Result for PT Nusa Eka Cash Flow, please refer to excel
Wira Pratama (01 Feb 2021) disheet file "Plan Design & Calculation
"CashFlow_Initial Fund (1x)". Result for PT Nusa Eka Wira
Pratama (01 Feb 2021 ) in sheet
"CashFlow_Initial Fund (1x)".
 Perusahaan dapat memulai program mencicil  Company can start the program
PSL dalam beberapa tahun, seperti mencicil 5 by 5-years installments of PSL with
tahun dimana pembayaran cicilan dilakukan yearly installment amounted IDR
disetiap awal tahun. Bila Perusahaan 151,105,247,- to be paid in the
memutuskan untuk mencicil PSL dalam 5 beginning of the year. Meanwhile,
tahun, maka cicilan pertama PSL sebagai Dana monthly contribution for Future
Awal atau Initial Fund yaitu sebesar Rp. Service is 10.12% from Total Salary.
151,105,247,- dan kemudian Perusahaan dapat Detailed Illustration and Cash
melanjutkan Program dengan iuran regular Flow, please refer to excel file
setiap bulan sebesar 10.12% dari total gaji / "Plan Design & Calculation Result
upah. Detail ilustrasi perhitungan dan cash for PT Nusa Eka Wira Pratama (01
flow silakan dilihat pada file excel yang Feb 2021) in sheet "Cash
bernama "Plan Design & Calculation Result for Flow_Initial Fund (5x)".
PT Nusa Eka Wira Pratama (01 Feb 2021) di
sheet "CashFlow_Initial Fund (5x).
 Perusahaan dapat juga memulai program  Company can also start the
TANPA initial Fund (Dana Awal) dan kemudian program without initial fund and
Perusahaan dapat melanjutkan Program then Company may continue the
dengan iuran regular setiap bulan sebesar Program by monthly regular
13.72% dari total gaji / upah. Detail ilustrasi contribution of 13.72% from Total
perhitungan dan cash flow silakan dilihat pada Salary. Detailed Illustration and
file excel yang bernama "Plan Design & Cash Flow, please refer to excel
Calculation Result for PT Nusa Eka Wira file "Plan Design & Calculation
Pratama (01 Feb 2021) di sheet "CashFlow_No Result for PT Nusa Eka Wira
Initial Fund". Pratama (01 Feb 2021) in sheet
"CashFlow_No Initial Fund".
8. Penutup 8. Conclusion
 Perhitungan ini diharapkan dapat  This calculation is expected to give an
memberikan gambaran kewajiban overview of the Company's obligations
Perusahaan atas pendanaan UU on funding of Labor Law No. 13 Year
Ketenagakerjaan No. 13 Tahun 2003. 2003.
 Proposal ini bukan merupakan kontrak,  This proposal is not a contract, only a
hanya gambaran tentang kewajiban picture of the company liabilities to
perusahaan untuk pendanaan pemenuhan financing the fulfillment of liabilities
kewajiban pesangon terhadap karyawan. towards employee's severance benefits.
VALUATION SUMMARY
PT NUSA EKA WIRA PRATAMA
Valuation Date : 1 February 2021
Summary of Valuation Results
Past Service Liability : Rp. 755,526,237

1. Future Service Contribution Initial Fund (1x) : 09.77% of Total Salary
Cash Flow Initial Fund (1x) : Rp. 755,526,237
2. Future Service Contribution Initial Fund (5x) : 10.12% of Total Salary
Cash Flow Initial Fund (5x) : Rp. 151,105,247
3. Future Service Contribution No Initial Fund : 13.72% of Total Salary
Cash Flow No Initial Fund : -
Summary of Plan Provisions
1. The Company : PT Nusa Eka Wira Pratama

2. Normal Retirement Age : 57
3. Normal Retirement Benefit : (2A+B) x 1.15 x Final Wages
4. Death Benefit : (2A+B) x 1.15 x Final Wages
5. Disability Benefit : (2A+2B) x 1.15 x Final Wages
6. Resignation Benefit : -
where A and B:
Year of Service
A B
(yos)
yos < 1 1 0
1 <= yos < 2 2 0
2 <= yos < 3 3 0
3 <= yos < 4 4 2
4 <= yos < 5 5 2
5 <= yos < 6 6 2
6 <= yos < 7 7 3
7 <= yos < 8 8 3
8 <= yos < 9 9 3
9 <= yos < 12 9 4
12 <= yos < 15 9 5
15 <= yos < 18 9 6
18 <= yos < 21 9 7
21 <= yos < 24 9 8
yos >= 24 9 10
Summary of Assumptions

2. Investment Rate : 7.00%
3. Salary Increment Rate : 5.00%
4. Mortality Rate : TMI 3 (2011) Male
5. Disability Rate : 10% of mortality rate
6. Voluntary Resignation Rate : 100% voluntary; 0%efficiency; 0% unsevere valuation
and 0% others
5% at age 20 decreasing linearly to 0% at age 50
Summary of Membership Data
1.
No. of Total Average Average Average
Members Monthly Salary Monthly Salary Age Past Service
Total 21 97,500,000 4,642,857 40.71 7.93
2.
Age No. of members
24 or below 0
25 - 29 1
30 - 34 4
35 - 39 5
40 - 44 7
45 - 49 0
50 - 54 4
55 or above 0
Total 21
Disclaimer :
Figures above are calculated for illustration purposes only and should not be used as part of any contract between DPLK Avrist (and / or Avrist Assurance) and any party.
The calculations above are based on data provided to DPLK Avrist (and / or Avrist Assurance).
Should you have any questions, please feel free to contact us
PT Nusa Eka Wira Pratama
Valuation Date : 01-Feb-2021
1 Normal Retirement Age : 57

2 Investment Rate : 07.00% / year
3 Salary Increment Rate : 05.00% / year
4 Mortality Rate TMI 3 (2011) Male
1-Feb-21
Valuation Past Years Past Service Pension Benefit
No Name DOB DOE NRA Salary
Age of Services Liability
TOTAL 97,500,000 755,526,237 6,949,858,927

AVERAGE 40.71 7.93 4,642,857 35,977,440 330,945,663
1 ASMAN 2-Oct-66 8-Jan-13 57 54.34 8.07 4,500,000 79,319,288 125,519,625

2 AHMAD KHAELANI 4-May-68 8-Jan-13 57 52.75 8.07 4,500,000 71,726,454 144,675,631
3 HERMANTO 6-Sep-68 3-Feb-14 57 52.41 7.00 4,500,000 62,098,276 138,385,387
4 RUSDIN 31-Dec-68 3-Feb-16 57 52.09 5.00 4,500,000 50,667,317 138,385,387
5 TARMO 10-Feb-77 21-Mar-12 57 43.98 8.87 4,500,000 42,730,097 253,714,092
6 HARUN 24-Jul-77 2-Nov-13 57 43.53 7.25 4,500,000 34,665,909 243,955,858
7 JAJANG SOLIHIN 1-May-78 1-Oct-13 57 42.76 7.34 4,500,000 34,509,432 266,399,797
8 ARIYA YULI ASTUTI 2-Jul-78 8-Jan-13 57 42.59 8.07 4,500,000 36,001,152 266,399,797
9 SUHARJO 2-Jul-78 3-Jan-13 57 42.59 8.08 4,500,000 36,028,557 266,399,797
10 KARYONO 25-Feb-80 12-Jun-13 57 40.94 7.64 4,500,000 31,270,198 293,705,776
11 JAMES WINNER 13-Aug-80 8-Jan-13 57 40.47 8.06 7,000,000 51,077,820 492,019,932
12 MAWARTI 31-Aug-81 5-Jan-14 57 39.42 7.07 4,500,000 27,726,748 332,113,454
13 LILI WAHYULI 17-Oct-82 15-Jan-13 57 38.29 8.04 4,500,000 27,830,113 348,719,127
14 WASINO 31-Dec-82 5-Jan-14 57 38.09 7.08 4,500,000 24,805,018 348,719,127
15 M. MASPUR 10-Mar-83 17-Feb-12 57 37.90 8.96 4,500,000 29,819,528 366,155,083
16 THOILAH 27-Aug-85 2-Jan-13 57 35.43 8.08 4,500,000 22,793,405 403,685,979
17 SUKANTA 7-Jul-86 11-Feb-12 57 34.57 8.97 4,500,000 23,145,202 423,870,278
18 VINCENT WINNER 20-Jul-88 18-Sep-13 57 32.54 7.38 5,000,000 19,143,088 519,241,091
19 ROSID 7-Jul-89 15-Jan-12 57 31.57 9.05 4,500,000 18,677,651 490,682,831
20 YUSUP ARIPIN 15-Dec-89 13-Jun-12 57 31.13 8.64 4,500,000 17,137,552 490,682,831
21 IRFAN FADILAH 31-Aug-93 31-Mar-11 57 27.42 9.84 4,500,000 14,353,432 596,428,048
CASH FLOW SIMULATION
of total salary/
Average Contribution : 09.77% month
Interest Rate : 7.00% / year Monthly Salary : 97,500,000
Salary Increase : 05.00% / year PSL : 755,526,237
Initial Fund : 755,526,237
Year Initial Fund Balance BOY Contribution Investment Return Benefit Paid Balance EOY COUNT
2021 755,526,237 755,526,237 104,752,959 50,182,953 - 896,805,217 21

2022 - 896,805,217 119,989,753 71,175,648 - 1,071,651,059 21
2023 - 1,071,651,059 125,989,241 83,834,821 125,519,625 1,138,616,164 20
2024 - 1,138,616,164 126,183,070 88,535,946 - 1,333,035,153 20
2025 - 1,333,035,153 132,492,224 102,586,916 421,446,405 1,129,467,870 17
2026 - 1,129,467,870 118,922,456 87,387,323 - 1,315,740,984 17
2027 - 1,315,740,984 124,868,579 100,842,669 - 1,518,330,449 17
2028 - 1,518,330,449 131,112,008 115,460,972 - 1,738,429,877 17
2029 - 1,738,429,877 137,667,608 131,326,824 - 1,977,312,944 17
2030 - 1,977,312,944 144,550,988 148,530,475 - 2,236,338,492 17
2031 2,236,338,492 151,778,538 167,168,192 - 2,516,955,943 17
2032 2,516,955,943 159,367,465 187,342,639 - 2,820,711,056 17
2033 2,820,711,056 167,335,838 209,163,283 - 3,149,252,024 17
2034 3,149,252,024 175,702,630 232,746,826 497,669,950 3,014,131,057 15
2035 3,014,131,057 163,602,354 222,441,339 799,199,390 2,561,960,729 12
2036 2,561,960,729 138,887,956 189,059,408 - 2,846,559,472 12
2037 2,846,559,472 145,832,354 209,467,428 785,725,708 2,379,891,542 10
2038 2,379,891,542 122,230,539 175,148,546 332,113,454 2,309,979,815 9
2039 2,309,979,815 115,648,894 169,794,010 697,438,254 1,869,514,698 7
2040 1,869,514,698 94,775,679 137,500,326 366,155,083 1,709,601,086 6
2041 1,709,601,086 85,520,242 125,658,493 - 1,891,968,124 6
2042 1,891,968,124 89,796,254 138,723,506 403,685,979 1,691,049,876 5
2043 1,691,049,876 78,857,438 123,893,512 423,870,278 1,447,881,589 4
2044 1,447,881,589 66,600,249 106,013,729 - 1,596,188,133 4
2045 1,596,188,133 69,930,261 116,628,288 519,241,091 1,244,553,008 3
2046 1,244,553,008 53,581,700 90,869,430 981,365,662 401,523,898 1
2047 401,523,898 18,753,595 29,419,425 - 442,951,464 1
2048 442,951,464 19,691,275 32,384,992 - 487,602,315 1
2049 487,602,315 20,675,839 35,579,471 - 535,699,760 1
2050 535,699,760 21,709,631 39,018,657 596,428,048 (0) 0
3,226,807,616 6,949,858,927
Disclaimer:
The calculations above are based on data provided to DPLK Avrist (and / or Avrist Assurance). Should you have any questions, please feel free to contact us
of total salary/
Initial Fund -
2021 - - 147,094,517 8,580,514 - 153,339,905 21

2022 - 153,339,905 168,490,084 22,528,099 - 339,192,717 21
2023 - 339,192,717 176,914,588 36,127,511 125,519,625 420,314,463 20
2024 - 420,314,463 177,186,764 41,825,086 - 629,736,419 20
2025 - 629,736,419 186,046,102 57,104,776 421,446,405 444,669,279 17
2026 - 444,669,279 166,991,381 42,816,246 - 644,659,752 17
2027 - 644,659,752 175,340,950 57,400,049 - 864,239,740 17
2028 - 864,239,740 184,107,997 73,384,342 - 1,104,906,097 17
2029 - 1,104,906,097 193,313,397 90,875,365 - 1,368,258,436 17
2030 - 1,368,258,436 202,979,067 109,986,625 - 1,656,005,766 17
2031 1,656,005,766 213,128,020 130,839,365 - 1,969,973,554 17
2032 1,969,973,554 223,784,421 153,563,058 - 2,312,111,217 17
2033 2,312,111,217 234,973,642 178,295,940 - 2,684,500,088 17
2034 2,684,500,088 246,722,324 205,185,569 497,669,950 2,599,156,960 15
2035 2,599,156,960 229,731,070 198,022,162 799,199,390 2,194,295,140 12
2036 2,194,295,140 195,027,015 167,252,551 - 2,518,226,085 12
2037 2,518,226,085 204,778,365 190,610,312 785,725,708 2,095,970,718 10
2038 2,095,970,718 171,636,604 158,732,512 332,113,454 2,062,812,984 9
2039 2,062,812,984 162,394,633 155,764,533 697,438,254 1,658,280,887 7
2040 1,658,280,887 133,084,382 125,395,569 366,155,083 1,527,346,668 6
2041 1,527,346,668 120,087,860 115,320,417 - 1,736,313,621 6
2042 1,736,313,621 126,092,253 130,368,411 403,685,979 1,565,251,982 5
2043 1,565,251,982 110,731,924 117,318,873 423,870,278 1,348,891,013 4
2044 1,348,891,013 93,520,332 100,968,794 - 1,520,229,437 4
2045 1,520,229,437 98,196,348 113,289,805 519,241,091 1,194,287,382 3
2046 1,194,287,382 75,239,634 88,866,891 981,365,662 371,372,822 1
2047 371,372,822 26,333,872 27,839,469 - 419,162,970 1
2048 419,162,970 27,650,566 31,276,947 - 470,919,126 1
2049 470,919,126 29,033,094 34,996,655 - 526,924,642 1
2050 526,924,642 30,484,749 39,018,657 596,428,048 0 0
4,531,095,952 6,949,858,927
Disclaimer:
of total salary/
Initial Fund : 151,105,247
2021 151,105,247 151,105,247 108,543,476 15,146,176 - 270,672,976 21

2022 151,105,247 421,778,223 124,331,618 38,227,689 - 575,572,468 21
2023 151,105,247 726,677,715 130,548,199 60,005,814 125,519,625 779,836,422 20
2024 151,105,247 930,941,669 130,749,043 74,318,350 - 1,118,968,926 20
2025 151,105,247 1,270,074,174 137,286,495 98,515,247 421,446,405 1,068,163,068 17
2026 - 1,068,163,068 123,225,701 83,397,214 - 1,255,664,193 17
2027 - 1,255,664,193 129,386,986 96,953,582 - 1,459,774,689 17
2028 - 1,459,774,689 135,856,335 111,694,172 - 1,681,715,318 17
2029 - 1,681,715,318 142,649,152 127,705,513 - 1,922,788,933 17
2030 - 1,922,788,933 149,781,609 145,079,938 - 2,184,385,723 17
2031 2,184,385,723 157,270,690 163,915,949 - 2,467,988,776 17
2032 2,467,988,776 165,134,224 184,318,610 - 2,775,179,986 17
2033 2,775,179,986 173,390,935 206,399,964 - 3,107,646,323 17
2034 3,107,646,323 182,060,482 230,279,476 497,669,950 2,976,981,586 15
2035 2,976,981,586 169,522,355 220,255,276 799,199,390 2,529,046,429 12
2036 2,529,046,429 143,913,658 187,107,206 - 2,817,166,284 12
2037 2,817,166,284 151,109,341 207,779,294 785,725,708 2,354,474,273 10
2038 2,354,474,273 126,653,487 173,678,943 332,113,454 2,287,852,851 9
2039 2,287,852,851 119,833,684 168,538,057 697,438,254 1,850,604,544 7
2040 1,850,604,544 98,205,166 136,416,680 366,155,083 1,693,285,236 6
2041 1,693,285,236 88,614,817 124,733,004 - 1,878,033,562 6
2042 1,878,033,562 93,045,558 137,975,538 403,685,979 1,679,788,149 5
2043 1,679,788,149 81,710,918 123,304,935 423,870,278 1,439,019,717 4
2044 1,439,019,717 69,010,199 105,562,094 - 1,589,388,130 4
2045 1,589,388,130 72,460,709 116,329,419 519,241,091 1,240,053,109 3
2046 1,240,053,109 55,520,570 90,690,158 981,365,662 398,824,702 1
2047 398,824,702 19,432,200 29,277,983 - 440,821,862 1
2048 440,821,862 20,403,810 32,285,797 - 486,108,796 1
2049 486,108,796 21,424,000 35,527,296 - 534,914,190 1
2050 534,914,190 22,495,200 39,018,657 596,428,048 (0) 0
3,343,570,617 6,949,858,927
Disclaimer:
DPLK-PPUKP PROPOSAL
NUMBER: 009
PT. NUSA EKA WINAPRATAMA
Confidential – for our valued client only
Confidential – for our valued client only

Daftar Isi / Contents
Halaman / Page
1. Profil perusahaan / Company Profile 3
2. DPLK AIA FINANCIAL / FIPF AIA Financial 10
3. Program Pensiun Untuk Kompensasi Pesangon (PPUKP) /
Pension Program to Compensate Severance Benefits (PPUKP)
4. Iuran PPUKP / PPUKP Contributions 16
5. Investasi / Investment 17
6. Administrasi dan Pelayanan / Services & Administration 19
7. Biaya / Fees 22
8. Prosedur Klaim / Claim Procedure 23
9. Lampiran / Appendix i
PROFIL PERUSAHAAN COMPANY PROFILE
AIA GROUP ABOUT THE AIA GROUP

AIA Group hadir untuk memberikan perlindungan AIA Group exists to provide our customers with
financial, keamanan dan kenyamanan masa financial protection, security, and a comfortable
depan. Sebagai sebuah perusahaan, kami future. As a company, we understand that life is
memahami bahwa hidup penuh dengan unpredictable. It has its highs as well as its
ketidakpastian – kadang menyenangkan dan challenges - and everyone is on a different journey.
kadang penuh tantangan – dan setiap orang That’s why our starting point has always been
memiliki jalan hidup yang berbeda. Itulah mengapa understanding people. By being genuinely engaged
kami selalu mengawali sesuatu dengan memahami with people’s real lives, we gain deeper insights
setiap individu. Dengan tulus menyatu dalam that enable us to offer a range of insurance and
kehidupan nyata, pemahaman kami semakin dalam wealth management products that fit the needs of
dan menjadikan kami untuk senantiasa the individual.
menyediakan beragam produk asuransi dan wealth
management yang sesuai dengan kebutuhan
setiap individu.
Kami telah membangun bisnis dengan melayani We have built our business upon serving the ever-
kebutuhan individu dan perusahaan di kawasan changing needs of people and companies in Asia.
Asia. Pendekatan personal telah menjadikan kami Our personal, relationship-based approach has
bagian dari struktur kehidupan di kawasan ini. Dan made us part of the fabric of life here. And we will
kami akan senantiasa melindungi generasi continue to protect generations of people for many
mendatang, apa pun yang mereka hadapi dalam years to come, whatever life brings them.
hidup.
Jadi, apapun kebutuhan anda – menggapai ambisi, So whether you need support in achieving your
mendukung keluarga, menikmati masa pensiun ambitions, supporting a family, enjoying retirement,
atau hal apapun, kami memahaminya, karena kami or anything else: we understand where you’re
pun pernah mengalaminya. coming from, because we’ve been there ourselves.
Kami berkomitment membantu orang untuk hidup We are committed to helping people to live
lebih sehat, lebih lama dan lebih baik. healthier, longer, better lives.
3|P a g e
AIA Group Limited dan anak perusahaannya AIA Group Limited and its subsidiaries (collectively
(secara bersama-sama disebut sebagai “AIA” atau “AIA” or “the Group”) comprise the largest
“Group”) merupakan kelompok perusahaan independent publicly listed pan-Asian life insurance
asuransi jiwa pan-Asia independen terbesar di group. It has operations in 18 markets in Asia-
dunia yang tercatat di bursa saham. AIA Group Pacific – wholly-owned branches and subsidiaries
Limited memiliki anak perusahaan atau cabang in Hong Kong, Thailand, Singapore, Malaysia,
yang beroperasi di 18 pasar di Asia Pasifik, yaitu China, Korea, the Philippines, Australia, Indonesia,
Hong Kong, Thailand, Singapura, Malaysia, Cina, Taiwan, Vietnam, New Zealand, Macau, Brunei,
Korea, Filipina, Australia, Indonesia, Taiwan, Cambodia, a 97 per cent subsidiary in Sri Lanka, a
Vietnam, Selandia Baru, Macau, Brunei, Kamboja 49 per cent joint venture in India and a
memiliki 97 persen saham anak perusahaan di Sri representative office in Myanmar.
Lanka, 49 persen kepemilikan saham usaha
patungan di India, dan kantor perwakilan di
Myanmar.
Bisnis yang kini dikenal dengan nama AIA, pertama The business that is now AIA was first established
kali didirikan di Shanghai 100 tahun yang lalu. AIA in Shanghai 100 years ago. It is a market leader in
merupakan pemimpin pasar di wilayah Asia Pasifik the Asia-Pacific region (ex-Japan) based on life
(kecuali Jepang) berdasarkan premi asuransi jiwa insurance premiums and holds leading positions
dan menduduki posisi terdepan di mayoritas across the majority of its markets. It had total
pasarnya. AIA memiliki total aset sebesar US$ 230 assets of US$ 230 billion as of 30 December 2018.
miliar per 30 Desember 2018.
AIA memenuhi kebutuhan individu atas tabungan AIA meets the savings and protection needs of
dan perlindungan dengan menawarkan produk dan individuals by offering a range of products and
layanan yang lengkap termasuk perencanaan hari services including life insurance, accident and
tua, asuransi jiwa, asuransi kecelakaan dan health insurance and savings plans. The Group
asuransi kesehatan. Selain itu AIA juga also provides employee benefits, credit life and
menyediakan program kesejahteraan karyawan, pension services to corporate clients. Through an
asuransi jiwa kredit dan program pensiun bagi extensive network of agents and employees across
nasabah korporasi. Melalui jaringan keagenan dan Asia-Pacific, AIA serves the holders of more than
karyawan di seluruh Asia Pasifik, AIA melayani 36 million individual policies and over 16 million
lebih dari 36 juta pemegang polis individu dan lebih participating members of group insurance
dari 16 juta peserta pemegang polis kumpulan. schemes.
AIA Group Limited tercatat di papan bursa saham AIA Group Limited is listed on the Main Board of
Hong Kong kode saham “1299” dan tercatat di The Stock Exchange of Hong Kong Limited under
American Depositary Receipts (Level 1) yang the stock code “1299” with American Depositary
diperdagangkan di pasar OTC (dengan symbol Receipts (Level 1) traded on the over-the-counter
ticker: “AAGIY”). market (ticker symbol: “AAGIY”).
4|P a g e
5|P a g e
Sejarah AIA Financial AIA Financial History
Pada tahun 1984, AIA merintis bisnisnya di In 1984, AIA entered Indonesia. As the business
Indonesia. Sejalan dengan pertumbuhan bisnis continues to grow, the company was then
AIA, pada tahun 1996 didirikanlah PT. Asuransi established under the name of PT. Asuransi Jiwa
Jiwa Lippo Utama yang adalah cikal bakal AIA. Lippo Utama in 1996. The company continues to
Sejak saat itu perusahaan terus transform ever since before finally changed its
bertransformasi hingga akhirnya memantapkan name to PT. AIA FINANCIAL in 2009
diri di bawah nama PT. AIA FINANCIAL pada
2009.
PT. AIA FINANCIAL (AIA FINANCIAL) ABOUT PT. AIA FINANCIAL (AIA Financial)
PT. AIA FINANCIAL (AIA) merupakan salah satu PT. AIA FINANCIAL (AIA) is one of the leading
perusahaan asuransi jiwa terkemuka di Indonesia life insurance companies in Indonesia that
dan merupakan perusahaan asuransi jiwa yang registered and supervised by the Indonesian
terdaftar serta diawasi oleh Otoritas Jasa Keuangan. Financial Services Authority. AIA in Indonesia is a
AIA di Indonesia merupakan anak perusahaan dari subsidiary of the AIA Group. AIA offers various
AIA Group. AIA menawarkan berbagai produk products ranging from life insurance, health
asuransi, termasuk asuransi dengan prinsip Syariah, insurance, personal accident insurance, and unit
yang meliputi asuransi jiwa, asuransi kesehatan, link products, including Sharia based insurance,
asuransi kecelakaan diri, asuransi yang dikaitkan as well as employee benefits program, severance
dengan investasi, program kesejahteraan karyawan, and pension fund (DPLK). These products are
program pesangon, dan program Dana Pensiun marketed by more than 10,000 professional and
(DPLK). Produk-produk tersebut dipasarkan oleh experienced sales forces through multi
lebih dari 10.000 tenaga penjual berpengalaman dan distribution channels including Agency,
professional melalui beragam jalur distribusi seperti Bancassurance and Corporate Solutions
Agency, Bancassurance dan Corporate Solutions (Pension & Employee Benefits).
(Pension & Employee Benefits).
Keunggulan dan kinerja AIA juga dibuktikan dengan The leadership and performance of AIA in
banyaknya penghargaan yang diterima di bidang Indonesia is proven by the numerous awards in
industri asuransi jiwa di Indonesia dalam beberapa life insurance industry that have been received in
tahun terakhir ini. recent years.
Mengapa AIA? Why AIA?
✓ Berbagai pilihan produk untuk membantu ✓ Wide selection of products to help

meningkatkan proses perencanaan asuransi klien enhance clients’ insurance planning process
✓ Kami fokus pada proteksi dan tabungan jangka ✓ We focus on protection and long-term
panjang melalui beragam produk dan pelayanan saving with our products and excellent
prima service
6|P a g e
✓ Memfasilitasi dan membangun kerjasama jangka ✓ Facilitating building of long-term
panjang antara para agen dan nasabah relationships between agents and
customers
✓ Fokus dalam kolaborasi dan kerjasama dengan ✓ Focus in collaboration and relationship with
mitra bisnis Kemitraan Distribusi mitra bisnis Partnership Distribution business partners in
dalam memberikan perlindungan untuk providing protection to meet the
memenuhi kebutuhan pelanggan customers’ needs
✓ Fokus pada peningkatan layanan dan produk ✓ Focus on improving the services and
dengan mitra bisnis Kemitraan Distribusi mitra products with existing and new Partnership
bisnis yang ada Distribution business partners
✓ Didukung oleh tenaga ahli AIA yang ✓ Supported on professional, quality and
profesional, berkualitas dan terlatih well-trained AIA’s representative
7|P a g e
AIA Financial – Kinerja Keuangan
AIA Financial – Financial Performance
Assets (Trilyun Rp)

59,938
54,086 56,123
42,723
35,614 36,941
2014 2015 2016 2017 2018 2019
Equity (Trilyun Rp)

14,599
13,092
12,198
8,937
7,300
6,161
2014 2015 2016 2017 2018 2019
RBC
1088%
1038%
727%
675%
607% 612%
2014 2015 2016 2017 2018 2019

YEAR
8|P a g e
9|P a g e
D
DAANNAA PPEENNSSIIUUNN LLEEM
MB BA
AGGA
A F
FIINNAANNCCIIAALL IINNSSTTIITTUUTTIIO
ONN
K
KEEUUAANNGGA ANN ((DDPPLLKK)) P
PEENNSSIIOON NF FUUNNDD ((F FIIP
PF F))
A
AIIA
AF FIINNAANNCCIIAALL A
AIIAAF FIINNAANNCCIIAALL
DPLK AIA FINANCIAL merupakan suatu badan DPLK AIA FINANCIAL is a legal entity established
hukum yang didirikan oleh PT AIA Financial, by AIA Financial, which managing pension funds
mengelola Dana Pensiun untuk Program Pensiun for defined contribution pension plan and
Iuran Pasti (PPIP) dan Dana Pesangon yang disebut Severance Fund called “PPUKP” (Pension
PPUKP (“Program Pensiun Untuk Kompensasi Program to Compensate Severance Benefit).
Pesangon"). Komitmen DPLK AIA FINANCIAL adalah DPLK AIA FINANCIAL commits to provide
memberikan kepuasan nasabah dan menjaga customers’ satisfaction and maintain their
kepercayaan nasabahnya. confidence.
Nasabah menghargai DPLK AIA FINANCIAL atas Customers appreciate DPLK AIA FINANCIAL for
keberhasilannya dalam memberikan pelayanan yang its excellence in providing dependable service
dapat diandalkan secara konsisten. Nasabah consistently. Customers value the flexibility of their
menghargai fleksibilitas yang ada pada program yang chosen program in fulfilling their needs as well as
mereka ikuti dalam memenuhi kebutuhan mereka the friendliness and professionalism of DPLK AIA
masing-masing serta keramahtamahan dan FINANCIAL customer service. DPLK AIA
profesionalisme pelayanan customer service yang FINANCIAL’s commitment to international quality
diberikan oleh DPLK AIA FINANCIAL. Komitmen service standard can be seen through ISO 9001
DPLK AIA FINANCIAL terhadap standar mutu certification.
pelayanan internasional dapat dilihat melalui sistem
sertifikasi ISO 9001.
Sertifikasi internasional ISO 9001:2015 yang ISO 9001:2015 quality control mechanism is not
diperoleh oleh DPLK AIA FINANCIAL mencakup 26 only applied in the Pension Fund division, but also
departemen terkait, hal ini adalah yang pertama di includes the related department/division in AIA
industri Dana Pensiun. Financial for 26 departments, this is first
achievement in Pension Fund industry
Ijin Usaha DPLK AIA FINANCIAL: DPLK AIA FINANCIAL License:

▪ Pendirian DPLK AIA FINANCIAL: ▪ MoF Decree on DPLK Establishment:
KEP-070/KM.17/1995 dated 10 March 1995 KEP-070/KM.17/1995 dated 10 March 1995
▪ Terakhir PDP yang berlaku: ▪ The Board of Commissioners OJK Decree:
Keputusan Dewan Komisioner OJK, KEP-24/ KEP-24/NB.1/2016 on DPLK Regulation
NB.1/2016 (for PPUKP)
10 | P a g e
P
PRRO
OGGR
RA MP
AM PEENNSSIIUUNN U
UNNTTUUKK P
PEENNSSIIO
ON NP PRRO
OGGR
RAAMM TTOO
K
KOOM
MPPE
ENNS
SA SII P
AS PEESSAANNGGOONN ((P
PPPU
UKKP
P)) C
COOMMP PEEN NSSA ES
ATTE SEEVVEERRAANNCCEE
B
BEENNEEFFIITT ((P
PPPUUKKP
P))
Penyelenggaraan dan pengelolaan Program Pensiun Organizing and management of Pension Program
Untuk Kompensasi Pesangon (PPUKP) dilakukan to Compensate Severance Benefits (PPUKP) is
berdasarkan prinsip Pooled Fund melalui suatu administered as Pooled Fund through a
perjanjian kerjasama antara pengelola DPLK dengan cooperative agreement between DPLK provider
perusahaan. and the company.
Perusahaan wajib memberikan dan menyampaikan The Company shall provide and deliver to DPLK,
kepada pengelola DPLK, daftar karyawan yang the list of employees who participate in PPUKP
diikutsertakan dalam PPUKP beserta and its revisions (update data) and DPLK is
perubahan‐perubahannya dan pengelola DPLK wajib required to maintain and administer the list of
memelihara dan menatausahakan daftar karyawan employees referred to in the administrative system
dimaksud dalam sistem administrasi DPLK. Setiap of DPLK. Every employee who participates in
karyawan yang diikutsertakan dalam PPUKP wajib PPUKP shall be registered by the company into
didaftarkan oleh perusahaan ke dalam Formulir PPUKP Registration Form provided by the DPLK.
Pendaftaran PPUKP yang disediakan oleh pengelola
DPLK.
Pengaturan DPLK – PPUKP secara umum DPLK - PPUKP Arrangements in general
▪ Pendanaan atau iuran berasal hanya dari ▪ Funding or contributions comes only from
Pemberi Kerja (Perusahaan) Employer (Company)
▪ Hanya mengelola cadangan pendanaan ▪ Only manage funding of post employment

kompensasi pesangon sesuai Undang-Undang benefits liability based on Law No. 13 Year
No. 13 Tahun 2003 tentang Ketenagakerjaan dan 2003 concerning Manpower and its
perubahannya sebagaimana diatur dalam amendments as regulated in Law No. 11 Year
2020 concerning Job Creation either PSL
Undang-Undang No. 11 Tahun 2020 tentang
(Past Service Liability) and Future Service
Cipta Kerja baik PSL (Past Service Liability) atau Liability).
Kewajiban Masa Kerja Lalu maupun FSL (Future
Service Liability).
▪ Cadangan dana kompensasi pesangon dibukukan ▪ PPUKP fund is administered in one account
dalam 1 (satu) akun atau bersifat pooled fund or as pooled fund which is then invested in
yang kemudian dinvestasikan sesuai dengan accordance with the investment portfolio
portofolio investasi yang dipilih oleh perusahaan selected by the company and follow the
dan mengikuti ketentuan perundangan-undangan Pension Fund Law and Pension Fund
yang berlaku di bidang dana pensiun. regulations.
▪ Pembayaran manfaat dilakukan dengan terlebih ▪ Benefit payments conducted by first allocated
dahulu mencatatkan sejumlah dana atas nama and administered amount of funds on behalf
peserta yang bersangkutan pada saat of the participant concerned when companies
perusahaan melakukan PHK atas perintah make layoffs on the orders of the company
perusahaan yang besarnya sesuai dengan yang that amount in accordance with that stated in
tertuang didalam perjanjian kerjasama. the Collective Labor Agreement.
11 | P a g e
Pembayaran manfaat minimal sesuai Undang- Benefit payments is minimum based
Undang No. 13 Tahun 2003 tentang termination benefits as stated on Law No. 13
Ketenagakerjaan dan perubahannya Year 2003 concerning Manpower and its
sebagaimana diatur dalam Undang-Undang No. amendments as regulated in Law No. 11 Year
11 Tahun 2020 tentang Cipta Kerja atau program 2020 concerning Job Creation or other similar
sejenis lainnya dan dapat dibayarkan secara program and can be paid lump sum payment
sekaligus (berapa pun jumlah manfaatnya). (regardless of the amount of benefits).
L
Investment I
Membership Tax Free (deferred)
S
T
Group/Company
o
f
Contribution :
P
Employer only A
R
✓Liability (PSL) Investment option: T
Tax: ✓ Expense / P 1. Money Market I
• Deduction Contribution O 2. Fix income C
PPh 25 I
O 3. Equity P
L 4. US$ Money Market A
E Individual N
D Account T
S
Amount of Contribution: F Payment of benefits:
• Use actuarial valuation U
- Accounting Valuation Report on N • Determined by the Company ✓ Min based on termination
Post-Employment Benefit Liability D
(PSAK 24) • Can be combined benefits regulated on UUK
- Actuary Report on PPUKP • Can be changed 13/ 2003 or similar program
- DPLK prepare the calculation. Submit List of ✓ Based on company
Participants instruction.
FUNDING & INVESTMENT PERIOD PAYMENT PERIOD
MANFAAT DPLK PPUKP DPLK PPUKP BENEFITS
❖ Dana PPUKP dapat digunakan untuk membayar ❖ PPUKP funds could be able to pay liabilities of
kewajiban perusahaan atas semua kasus PHK the company on all termination cases are the
yang menjadi hak peserta berdasarkan ketentuan rights of employees (participants) based on
Undang-Undang No. 13 Tahun 2003 tentang the provisions of the Law No. 13 Year 2003
Ketenagakerjaan dan perubahannya concerning Manpower and its amendments as
sebagaimana diatur dalam Undang-Undang No. regulated in Law No. 11 Year 2020
11 Tahun 2020 tentang Cipta Kerja, tidak hanya concerning Job Creation not only for the
di usia pensiun saja tetapi secara keseluruhan retirement benefit and for full offset term,
(full offset), sepanjang ketentuan full offset since the provision of full offset has been set
dimaksud telah diatur secara jelas dalam PKB clearly defined in the CLA (Collective Labor
(Perjanjian Kerja Bersama) atau Peraturan Agreement) or the Company Regulation.
Perusahaan.
- Full offset dimaksud perusahaan dapat saja - Full offset means the company can
melakukan kompensasi atas manfaat tidak perform compensation for the benefit not
hanya untuk PHK karena mencapai usia only to retirement benefits at reaching
pensiun saja, tetapi termasuk meninggal retirement age, but including death
dunia, berhenti bekerja atas inisiatif karyawan benefits, termination on the initiative of the
dan atas inisiatif perusahaan, perusahaan employee and the initiative of the
bubar, pergantian kepemilikan, dan lain-lain. company, the company broke up, change
of ownership, and others.
12 | P a g e
- Pengelola DPLK wajib memiliki informasi - DPLK are required to have full information
mengenai penerapan full offset dimaksud dari on the offset implementation which are set
perusahaan, termasuk manfaat apa saja by the company, including any termination
sesuai ketentuan Undang-Undang No. 13 benefits in accordance with the Law No.
Tahun 2003 tentang Ketenagakerjaan dan 13 Year 2003 concerning Manpower and
perubahannya sebagaimana diatur dalam its amendments as regulated in Law No.
Undang-Undang No. 11 Tahun 2020 tentang 11 Year 2020 concerning Job Creation
Cipta Kerja yang akan dikompensasikan which are offset against the benefits
terhadap manfaat PPUKP, untuk selanjutnya PPUKP, therefore it shall be stated in the
wajib dimasukkan ke dalam Kontrak yang agreement that will be a basis of PPUKP
akan menjadi dasar pembayaran manfaat benefit payments.
PPUK.
❖ Manfaat PPUKP merupakan obyek pajak dan tarif ❖ PPUKP benefits are subject to tax and tax
pajak mengikuti ketentuan pajak Manfaat Pensiun rates follow the tax regulation on Pension
yang berlaku. Benefits.
TATA CARA PEMBAYARAN MANFAAT PPUKP PROCEDURES OF PAYMENT BENEFIT PPUKP
❖ Manfaat PPUKP sesuai ketentuan Undang- ❖ PPUKP benefits in accordance with the Law
Undang No. 13 Tahun 2003 tentang No. 13 Year 2003 concerning Manpower and
Ketenagakerjaan dan perubahannya its amendments as regulated in Law No. 11
sebagaimana diatur dalam Undang-Undang No. Year 2020 concerning Job Creation and its
11 Tahun 2020 tentang Cipta Kerja dan amendments, if any, or other similar
perubahannya, bila ada atau program yang programs.
sejenis lainnya.
❖ Pada saat peserta berhak menerima manfaat dan ❖ At the time the participants are entitled to
berdasarkan perintah dari perusahaan serta receive benefits and based on orders from the
sesuai ketentuan Undang-Undang No. 13 Tahun company and in accordance with the Law No.
2003 tentang Ketenagakerjaan dan 13 Year 2003 concerning Manpower and its
perubahannya sebagaimana diatur dalam amendments as regulated in Law No. 11 Year
Undang-Undang No. 11 Tahun 2020 tentang 2020 concerning Job Creation, the PPUKP
Cipta Kerja manfaat PPUKP dapat dibayarkan benefits can be paid in a lump sum (at any
secara sekaligus (berapa pun jumlah amount).
manfaatnya).
MANFAAT BAGI PEMBERI KERJA BENEFITS FOR COMPANY
Iuran Perusahaan/ Iuran Masa Kerja Lalu Contributions (Future/Past Service Liability)
(Kewajiban Jasa Lalu) dapat dijadikan biaya can be treated as company expense so it
sehingga dapat sebagai pengurang pajak can be as a deduction from corporate
perusahaan PPh 25 (pemotong beban), dan income tax (PPh 25). Therefore, it can be
dapat digunakan sebagai perencanaan pajak bagi used as a tax planning tool for the company;
perusahaan (Tax Planning);
Untuk menghindari masalah arus kas (cash flow) Avoid cash flow problem in the future;
Pemberi Kerja di kemudian hari;
13 | P a g e
Membantu perusahaan dalam Pendanaan atas Assist the company in financing on Post-
Kewajiban Imbalan Pasca Kerja sesuai PSAK 24 Employment Obligations in accordance with
dengan biaya yang lebih rendah: PSAK 24, with lower cost:
✓ Pengembalian investasi yang lebih optimal ✓ Return on investment is more optimal (not
taxable)
✓ Time value of Money ✓ Time value of Money
Memiliki Menejemen Administrasi dan Manajer Have the professional administrative

Investasi yang profesional dalam pengelolaan management and professional Investment
dana program pesangon tanpa harus menyiapkan Managers to manage severance funds without
tambahan sumber daya manusia; having to prepare additional human resources;
Penghematan biaya pajak untuk perusahaan, Tax saving for the company when the tax on
ketika pajak atas manfaat pesangon menjadi severance benefit covered by the company,
beban perusahaan, mengingat pajak manfaat considering the tax PPUKP benefits in
PPUKP sesuai dengan pajak manfaat pensiun accordance with the tax pension benefits to a
yang maksimum sebesar 5%; maximum of 5%.
Memiliki Kepastian Kemampuan Membayar Has certainty ability paying severance to

pesangon kepada Karyawan dalam hal terjadi employees in the event of layoffs.
PHK.
MANFAAT BAGI KARYAWAN BENEFITS FOR EMPLOYEE
Kepastian tersedianya dana untuk membayarkan The certainty of fund for severance payment
hak pesangon pada saat karyawan berhenti kerja, should the employment be terminated, as per
berupa aktiva program yang telah didanakan oleh activa program, has been paid by Employer;
Pemberi Kerja;
Pembayaran manfaat secara sekaligus; Lump sum benefits payment;
Penghematan biaya pajak untuk karyawan Tax saving for the employee (participant)
(peserta), ketika pajak atas manfaat pesangon when the tax on severance benefit covered by
menjadi beban karyawan (peserta), mengingat the employee (participant), considering the tax
pajak manfaat PPUKP sesuai dengan pajak PPUKP benefits in accordance with the
manfaat pensiun yang berlaku sekarang yang current tax pension benefits to a maximum of
maksimum sebesar 5%. 5%.
 Perlakuan pajak dapat berubah sewaktu-waktu  The tax treatment may change from time to time
sesuai dengan peraturan perpajakan yang berlaku in accordance with prevailing tax regulations in
di Indonesia. Indonesia.
14 | P a g e
Tax Advantages for participating in PPUKP (NET BASIS):
Direct payment by the Company:

❑ Gross Benefits Amount: IDR 1,250,000,000
- 50,000,000 x 0% =0
- 50,000,000 x 5% = 2,500,000
- 400,000,000 x 15% = 60,000,000
- 750,000,000 x 25% = 187,500,000
❑ Net Benefits paid to employees:

IDR 1,000,000,000
Payment through PPUKP:

IDR 1,000,000,000 ❑ Gross Benefits Amount: IDR 1,050,000,000
- 50,000,000 x 0% = 0
- 1,000,000,000 x 5% = 50,000,000
Company Tax Saving:
IDR 200,000,000
IDR 1,000,000,000
Tax Advantages for participating in PPUKP (GROSS BASIS):
Direct payment by the Company:

❑ Total Tax on Benefits : IDR 187,500,000
- 50,000,000 x 0% =0
- 50,000,000 x 5% = 2,500,000
- 400,000,000 x 15% = 60,000,000
- 500,000,000 x 25% = 125,000,000

IDR 812,500,000
Payment through PPUKP:

IDR 1,000,000,000 ❑ Total Tax on Benefits: IDR 47,500,000
- 50,000,000 x 0% =0
- 950,000,000 x 5% = 47,500,000
Tax Advantage to Employee:
IDR 140,000,000 IDR 952,500,000
15 | P a g e
IURAN PPUKP PPUKP CO
ONNTTR
RIIB
BUUTTIIO
ONNS
S
❖ Perhitungan beban (kewajiban dan iuran) ❖ PPUKP Expense (Liability and Contribution)
PPUKP dapat menggunakan aktuaris calculation can use independent actuary.
independen.
❖ Apabila perusahaan yang bersangkutan ❖ If the company ever and has conducted an
pernah dan telah melakukan perhitungan actuarial valuation on post-employment liability
aktuaria untuk keperluan akuntansi for accounting purposes based on PSAK 24,
berdasarkan PSAK-24, maka nilai-nilai dalam then the amounts in the latest actuarial
laporan aktuaris untuk keperluan akuntansi valuation report can be used as a reference.
dimaksud yang tersedia terakhir dapat
dijadikan sebagai acuan.
PEMBAYARAN IURAN PAYMENT OF CONTRIBUTION

Jenis pembayaran iuran yang dapat dipilih adalah Types of contributions payment that can be
sebagai berikut : selected are as follows:
1. Iuran Tunggal/Top Up/Irregular 1. Single/Top Up/Irregular Contribution

Iuran dibayarkan secara sekaligus (lump sum) Contribution is paid in a lump sum (one time
di awal program untuk pembayaran PSL atau payment) at the beginning of the program for
Kewajiban Masa Kerja Lalu atau tambahan PSL (Past Service Liability) payment or
iuran sewaktu-waktu. additional/top up contributions at anytime.
2. Iuran Reguler 2. Regular Contribution

Iuran dibayarkan secara reguler (bulanan, Contributions are paid on a regular basis
kuartalan, semesteran atau tahunan) atas iuran (monthly, quarterly, semi-annually or annually)
PPUKP dan PSL yang diamortisasi. Perubahan over contributions PPUKP and PSL are
jumlah iuran PPUKP berdasarkan hasil laporan amortized. Changes in the amount of
perhitungan beban. contributions PPUKP is based on actuarial
valuation report on the company expense part.
16 | P a g e
INNVVEESSTTAASSII INNVVEESSTTM
MEEN
NTT
Saat ini kami memiliki beberapa pilihan portofolio Currently we have several investment portfolio
investasi yang dapat dipilih oleh Peserta, nasabah options, of which Participant can choose the fund
dapat memilih portofolio investasi berdasarkan according to their own risk profile and could still
profil risiko Peserta bersangkutan dan tetap maintain attractive and competitive return of their
mempertahankan hasil pengembangan yang fund. The funds range from low risk, moderate risk
menarik dan kompetitif atas dana Peserta. and moderate to high risk.
1. PORTOFOLIO PASAR UANG 1. MONEY MARKET PORTFOLIO

2. PORTOFOLIO PENDAPATAN TETAP 2. FIXED INCOME PORTFOLIO
3. PORTOFOLIO SAHAM 3. EQUITY PORTFOLIO
PARAMETER INVESTASI INVESTMENT PARAMETERS

1. PORTOFOLIO PASAR UANG 1. MONEY MARKET PORTFOLIO
Tujuan Investasi: Portfolio Objectives:
▪ Tingkat Pengembalian Investasi: stabil dan ▪ Return: stable and consistent return
konsisten
▪ Toleransi Risiko: rendah ▪ Risk tolerance: low
Alokasi Aset: Asset Allocation:
Diinvestasikan 100% pada Instrumen Pasar The fund is invested 100% in Money Market
Uang dan atau konvensional (deposito Instruments and or conventional (time deposits,
berjangka, obligasi korporasi - minimum rating A corporate bonds – minimum A rated by Pefindo /
Fitch / Moody’s Indonesia and or government
dinilai oleh Pefindo / Fitch / Moody 's Indonesia bonds with maturity ≤ one year, and cash or
dan atau obligasi pemerintah dengan jatuh cash equivalents) and or Money Market Mutual
tempo satu tahun ≤, dan kas atau setara kas) Funds.
dan atau Reksa Dana.
2. PORTOFOLIO PENDAPATAN TETAP 2. FIXED INCOME PORTFOLIO

▪ Tingkat Pengembalian Investasi: mencapai ▪ Return: to achieve interesting return focusing
hasil yang bagus dengan memfokuskan pada on stability of capital
stabilitas modal
▪ Toleransi Risiko: sedang ▪ Risk tolerance: moderate

▪ 0% - 20% di instrumen pasar uang dan atau ▪ 0% - 20% money market instruments and or
konvensional (deposito, obligasi korporasi - conventional (time deposits, corporate bonds
minimum A dinilai oleh Pefindo/Fitch/Moody – minimum A rated by Pefindo/Fitch/Moody’s
's Indonesia dan atau obligasi pemerintah Indonesia and or government bonds with
dengan jatuh tempo satu tahun ≤, dan kas maturity ≤ one year, and cash or cash
atau setara kas). equivalents).
▪ 80% - 100% efek pendapatan tetap, dan atau ▪ 80% - 100% fixed income securities and or
konvensional (obligasi pemerintah dan atau conventional (government bonds and or
obligasi korporasi - minimum A dinilai oleh corporate bonds – minimum A rated by
Pefindo / Fitch / Moody 's Indonesia) dan Pefindo/Fitch/Moody’s Indonesia) and or
atau Fixed Income Reksa Dana. Fixed Income Mutual Funds.
17 | P a g e
3. PORTOFOLIO SAHAM 3. EQUITY PORTFOLIO
▪ Tingkat Pengembalian Investasi: mencapai ▪ Return: to achieve aggressive growth of
pertumbuhan modal yang agresif principal
▪ Toleransi Risiko: tinggi ▪ Risk tolerance: high

▪ 0% - 20% di instrumen pasar uang dan atau ▪ 0% - 20% money market instruments and or
konvensional (deposito, obligasi korporasi - conventional (time deposits, corporate bonds
minimum A dinilai oleh Pefindo/ Fitch/ Moody – minimum A rated by Pefindo/ Fitch/
's Indonesia dan atau obligasi pemerintah Moody’s Indonesia and or government bonds
dengan jatuh tempo satu tahun ≤, dan kas with maturity ≤ one year, and cash or cash
atau setara kas). equivalents).
▪ 80% - 100% saham yang terdaftar di Bursa ▪ 80% - 100% equities listed in the Indonesia
Efek Indonesia (BEI) dan atau Reksa Dana Stock Exchange (IDX) and or Equity Mutual
Ekuitas. Funds.
NOTE:
CATATAN: ▪ Fund Management of this program can be
▪ Selain pilihan portofolio investasi di atas, dana executed in the form of Segregated Fund.
program ini dimungkinkan untuk diubah
menjadi Pengelolaan Dana Terpisah
(Segregated Fund). ▪ In Segregated Fund, investment direction
▪ Dalam Pengelolaan Dana Terpisah, arahan can be altered according to the
investasi dapat diubah sesuai Company’s discretion and Policy Maintenance
kesepakatan dan besarnya biaya Fee will be adjusted based on investment
pengelolaan sesuai jenis pilihan investasi. portfolio.
Terms and conditions apply for Segregated Fund.

Syarat dan kondisi berlaku untuk Pengelolaan
Dana Terpisah.
ABOUT INVESTMENT MANAGERS

MANAGER-MANAGER INVESTASI
AIA Financial’s Investment Team is responsible for
Tim Investasi AIA Financial bertanggung jawab the performance of Money Market, Fixed Income
atas kinerja portofolio Pasar Uang, Pendapatan and Equity. The Team has the necessary expertise
Tetap dan Saham. Tim Investasi AIA Financial and experience to identify economic and
memiliki pengalaman dan kemampuan dalam investment trend to produce a competitive
mengidentifikasi tren investasi dan kondisi ekonomi investment return through investment in Money
untuk menghasilkan nilai investasi yang kompetitif Market, Fixed Income, and Equity instruments.
melalui instrumen investasi Pasar Uang,
Pendapatan Tetap, dan Saham.
18 | P a g e
A
ADDM
MIIN
NIIS
STTR
RA SII &
AS &PPEELLAAYYAANNAANN S
SEERRVVIICCEESS &
&AADDM
MIIN
NIIS
STTR
RAATTIIO
ONN
Kami menyediakan pelayanan kualitas tinggi We offer high quality services with user-friendly
dengan kemudahan dan peralatan komunikasi and informative communication tools:
informatif, yaitu:
1. PELAYANANAN & KOMUNIKASI KEPADA 1. SERVICE & COMMUNICATION TO EMPLOYER

PEMBERI KERJA & KARYAWAN & EMPLOYEE
▪ PLAN DESIGN: ▪ PLAN DESIGN:

Sebelum PPUKP di mulai, Account Prior to inception, dedicated Account
Manager kami akan bertemu dengan Manager will meet with the management of
manajemen dari Pemberi Kerja untuk the Employer to obtain scheme census,
membahas dan mendapatkan data dan explain administration procedures and
informasi yang diperlukan, termasuk agree upon the implementation plan.
menjelaskan prosedur administrasi dan
menyepakati waktu implementasi PPUKP
tersebut.
▪ SOSIALISASI: ▪ SOCIALIZATION:
Sosialisasi untuk orang yang ditunjuk oleh Socialization for person in charge of the
Pemberi Kerja untuk meningkatkan Employer to increase product knowledge.
pengetahuan mengenai produk.
▪ KUNJUNGAN RUTIN: ▪ REGULAR MEETING:

Kunjungan rutin untuk review program dan Regularly visit to review existing program
perkembangan selanjutnya. and progress.
▪ PENSION CARES (CUSTOMER INTEGRATED ▪ PENSION CARES (CUSTOMER INTEGRATED

INFORMATION REACHING EXCELLENCE INFORMATION REACHING EXCELLENCE
SERVICE): SERVICE):
CARES adalah suatu perangkat sistem CARES is a systematic tool designed to
otomatis yang dirancang khusus untuk effectively evaluate our customer service
merespon panggilan nasabah, baik yang response to customer’s need. With CARES,
melalui telepon maupun email. Dengan we can identify customer’s queries,
CARES, kami dapat lebih cepat dan sigap complaints or other customer needs.
menjawab panggilan nasabah lengkap
dengan solusinya.
▪ CUSTOMER SERVICES: ▪ CUSTOMER SERVICES:

Hotline Nasabah: 1500980 & (021) 5421- Dedicated Employer Hotline: 1500980 &
8888 Ext. 15154/ 15155/ 15158/ 15159 (021) 5421-8888 Ext. 15154/ 15155/ 15158/
ditangani oleh Customer Service 15159 is manned by well-trained Customer
Representatives terlatih untuk melayani Service Representatives to answer your
permintaan nasabah setiap harinya. day-to-day inquiries.
▪ KOMUNIKASI EMAIL: ▪ EMAIL COMMUNICATION:

Komunikasi email melalui Dedicated e-mail communication for
id.pn.cs@aia.com incoming requests at melalui
id.pn.cs@aia.com
2. EDUKASI 2. PENSION/ SEVERANCE EDUCATION

▪ WEBCAST DPLK: ▪ DPLK WEBCAST:
Salah satu fasilitas komunikasi kepada DPLK Webcast is one of the
Peserta yang berisi penjelasan singkat communications facilities to Participants
19 | P a g e
mengenai Program DPLK, termasuk di containing an explanation about the DPLK
dalamnya prosedur-prosedur administrasi program, administration and claim
kepesertaan dan klaim untuk membantu procedures to assist Participants who want
Peserta yang lupa atau tidak menyadari to refresh certain information. It is useful for
informasi tersebut. Hal ini berguna untuk clients in remote areas.
Peserta di luar kota, dan karyawan dan
atau karyawan baru yang belum pernah
menghadiri sosialisasi bisa mendapatkan
informasi/ penjelasan mengenai fitur
program dan prosedur klaim kapanpun.
▪ NEWSLETTER: ▪ NEWSLETTER:
Peserta akan mendapatkan informasi- Participants will be up-dated with the newest
informasi terbaru yang berkaitan dengan issues related to DPLK program.
Program DPLK.
3. INFORMASI DANA PESERTA 3. ACCOUNT SUMMARY INFORMATION
▪ LAPORAN DANA PEMBERI KERJA: ▪ REGULAR ACCOUNT SUMMARY:

Laporan Dana Pemberi Kerja akan Regular Account Summary report will be
dikirimkan kepada Pemberi Kerja setiap sent to Participants semi-annually. It will
enam bulan sekali. Dalam laporan ini akan inform the accumulated contribution since
diinformasikan akumulasi iuran sejak awal beginning participation, investment earning,
kepesertaan, hasil pengembangan, biaya, charges, withdrawal (if any), and other
penarikan iuran (jika ada) dan informasi important information.
penting lainnya.
▪ LAPORAN TRANSAKSI KLAIM: ▪ CLAIM TRANSACTION SUMMARY:
Rekap laporan transaksi klaim. Claim Transaction Summary will inform
recap of client’s claim transaction.
▪ AIA FINANCIAL RETIREMENT SERVICES E- ▪ AIA RETIREMENT SERVICES E-@CCESS:

@CCESS:
Website: https://www.aia- Visit https://www.aia-
financial.co.id/secure/dplk/ melalui financial.co.id/secure/dplk/ to get AIA
fasilitas AIA Financial Retirement e- Financial Retirement e-@ccess, where
@ccess, dimana Peserta akan Participants may get up-to-date information
mendapatkan informasi terbaru mengenai about account balance and statements,
saldo rekening terakhir dan juga investment performance, Frequently Asked
laporannya, kinerja investasi, FAQ Questions (FAQ), etc. For using these
(Frequestly Asked Question) dan lainnya. facilities, user will be given a secure
Untuk menggunakan fasilitas-fasilitas ini, password which is strictly confidential.
pengguna akan diberikan sebuah
password khusus yang aman dimana
password tersebut bersifat rahasia.
▪ BUKTI PEMOTONGAN PAJAK/ WITHHOLDING ▪ PROOF OF WITHHOLDING TAX:

TAX: Proof of withholding tax in case of pension
Bukti pemotongan pajak/witholding tax benefit payment or contribution withdrawal.
(untuk Peserta yang melakukan penarikan
dana).
4. PELAYANAN & KOMUNIKASI LAINNYA 4. ADDITIONAL SERVICE & COMMUNICATION

▪ SHORT MESSAGE SERVICE (SMS): ▪ SHORT MESSAGE SERVICE (SMS):
SMS Mass Messaging yang berisi pesan- SMS Mass Messaging to our valuable
pesan/ informasi penting untuk disebarkan Participants, including valuable information
kepada Peserta. and/or any important reminders.
20 | P a g e
▪ FUND PERFORMANCE FACT SHEET: ▪ FUND PERFORMANCE FACT SHEET:
Pemberi Kerja dapat mengetahui lebih jauh Participants can know more about their fund
mengenai kinerja investasi yang diikuti. performance.
5. ADMINISTRASI PROGRAM 5. PLAN ADMINISTRATION

▪ ISO 9001:2015 – FULL SCOPE ▪ ISO 9001:2015 – FULL SCOPE
Standarisasi dengan ISO 9001:2015 – Full Our procedure is standardized with ISO
Scope. 9001:2015 – Full Scope
▪ DUAL CHECKING FUNCTION ▪ DUAL CHECKING FUNCTION
Kemampuan bertransaksi kualitas tinggi High quality transaction capability (dual
(dual checking function) untuk keakuratan checking function to ensure transaction
transaksi, informasi karyawan/ perubahan accuracy, employee information/changes
yang dapat disinkronisasikan melalui may be synchronized through electronic
elektronik data transfer, sistem keamanan data transfer, security systems in place,
ditempat, informasi karyawan disimpan employee information are stored
secara elektronik (imaging) dan hardcopy electronically (imaging) and hard copy.
dokumen.
▪ PEMBAYARAN KLAIM ▪ CLAIM PAYMENT
Pembayaran klaim dalam 7 (tujuh) hari Claim payment is in 7 (seven) working days
kerja (setelah dokumen persyaratannya (after documents accepted completely).
dilengkapi).
21 | P a g e
BIIAAYYAA FEEEESS
Biaya yang akan dikenakan kepada Peserta Standard fees are as follows:
adalah sebagai berikut:
▪ BIAYA MASUK ▪ INITIAL ENROLMENT FEE
Tidak ada None
▪ BIAYA ADMINISTRASI ▪ ADMINISTRATION FEE

Biaya ini dikenakan setiap ada pembayaran This fee is charged as a percentage of each
kontribusi. Biaya ini bisa dinegosiasikan contribution paid to the fund. This fee may be
apabila memiliki dana yang cukup besar subject to negotiation for larger funds.
▪ BIAYA INVESTASI ▪ INVESTMENT FEE

Biaya ini dihitung secara prosentase dari aset. This fee is charged as a percentage of assets.
Biaya ini bisa dinegosiasikan apabila memiliki
This fee may be subject to negotiation for
dana yang cukup besar
larger funds
▪ PENGAKHIRAN POLIS / KONTRAK ▪ TERMINATION FEE

Dalam hal terjadi pengakhiran Perjanjian In the event of agreement termination and
dan/atau pengalihan seluruh dana PPUKP ke transfer of all PPUKP Fund to another provider
provider lain atas permintaan Pemberi Kerja by the company’s request, termination fee will
maka akan dikenakan biaya pengalihan yang be as follows:
besarnya sebagai berikut:
Biaya Pengalihan
Lama masa kepesertaan (Y)
(persentase dari saldo Dana Peserta) /
dalam bulan / Months of Participation (Y)
Termination Fee
Y ≤ 12 5%
12 < Y ≤ 24 4%
24 < Y ≤ 36 3%
36 < Y ≤ 48 2%
Y > 48 1%
Pajak* TAX*
Perpajakan atas manfaat PPUKP dikenakan Pajak Tax on benefit payment PPUKP refer to the
Penghasilan Pasal 21 (berdasarkan Peraturan prevailing tax (based on Government Regulation
Pemerintah Nomor 68 Tahun 2009 Pasal 4). No. 68 Year 2009 Article 4).
* Perlakuan pajak dapat berubah sewaktu-waktu sesuai dengan * Tax treatment may change at any time in accordance with the
peraturan perpajakan yang berlaku di Indonesia. applied tax regulations in Indonesia.
22 | P a g e
PRRO
OSSE
EDDU
URR KLLA
AIIM
M CLLAAIIM
M PR
ROOC
CEED
DUUR
REE
Pembayaran Manfaat dilakukan berdasarkan Benefits payments made by Employers
Instruksi Pemberi Kerja. Instruction.
Pembayaran Manfaat hanya dapat dibayarkan Benefits payment can only be paid to an
kepada Karyawan yang namanya tercatat employee whose name is registered in the
dalam administrasi PPUKP. PPUKP administration.
Pembayaran Manfaat minimum sesuai Minimum benefit payment in accordance with

ketentuan Undang-Undang No. 13 Tahun 2003 Law No. 13 Year 2003 concerning Manpower
tentang Ketenagakerjaan dan perubahannya and its amendments as regulated in Law No.
sebagaimana diatur dalam Undang-Undang 11 Year 2020 concerning Job Creation.
No. 11 Tahun 2020 tentang Cipta Kerja .
Klaim pesangon dapat dibayarkan secara The benefit payment can be paid in a lump
sekaligus (berapapun jumlahnya). sum (at any amount).
Pemberi kerja wajib melengkapi Formulir Employers are required to complete Form
Pembayaran Manfaat PPUKP yang kemudian Payment of Benefits PPUKP that was signed
ditandatangani Pemberi Kerja dan Peserta, by the Employer and Participant and sends
dan mengirimkan Identitas Diri Peserta dan Identity Participants and proof of membership
tanda bukti kepesertaan untuk kemudian to then verified by DPLK.
diverifikasi oleh DPLK
23 | P a g e
Service Commitment of AIA
24 | P a g e
Pengalaman Kualitas pelayanan Corporate Solutions Experience Corporate Solutions high quality
yang baik menunjukkan services demonstrate our years of
pengalamannya selama bertahun– experience and expertise in managing
tahun, serta keahlian dalam mengelola pension fund and severance program.
program dana pensiun dan program
pesangon.
Pilihan Program kami dapat disesuaikan Choices Our fully-customized programs to meet
dengan kebutuhan nasabah. customers’ needs.
Pelayanan Corporate Solutions memberikan Services Corporate Solutions provides prompt,

pelayanan yang cepat, dapat dependable, warm, and helpful
diandalkan, ramah dan sangat services.
membantu.
Kepercayaan Kami berusaha untuk mempertahankan Trust We attempt to maintain customer’s
kepercayaan nasabah atas kemampuan trust in our ability to manage their
kami dalam mengelola program pensiun pension program and severance
dan program pesangon mereka untuk program for their future. The usage of
masa depannya. Penggunaan sistem advanced and modern technology as
teknologi yang baik dan modern serta well as superior administration system
sistem administrasi yang baik memberi gives confidence to customers on the
keyakinan kepada nasabah atas accuracy of reliable program. Internet
ketelitian/ketepatan program yang dapat facility, and Pension Cares increase
dipercaya. Fasilitas Internet dan customers’ trust and satisfaction.
Pension Cares meningkatkan kepuasan
nasabah.
Penilaian Nasabah dapat mengevaluasi program Evaluation employees can evaluate their pension
pensiun mereka berkaitan langsung program and severance program is
dengan hasil program, dan sejauh directly related to the program’s result,
mana hasil tersebut sesuai dengan and how well these results meet
harapan nasabah. Kami memberikan customers’ needs. We provide quality
kualitas pelayanan, hasil investasi yang service, competitive investment return,
kompetitif, fleksibilitas dan pendidikan flexibility and education to ensure that
untuk memastikan bahwa kebutuhan all customer’s needs are fulfilled.
nasabah dapat terpenuhi.
KOMITMEN KAMI ADALAH OUR COMMITMENT IS TO GIVE

UNTUK MEMBERIKAN MUTU THE BEST SERVICE QUALITY
PELAYANAN YANG TERBAIK FOR OUR CUSTOMERS
BAGI NASABAH KAMI
25 | P a g e
Untuk Informasi lebih lanjut, silahkan menghubungi:
For further information, please contact:
Corporate Solutions AIA Financial

(Pension & Employee Benefits)
SALES & MARKETING
AIA Central, 15th Floor

Jl. Jend. Sudirman Kav 48 A
Jakarta 12930, Indonesia
Telp. (021) 5421-8888, Faks: (021) 5421-8632
E-mail: ID.EBS.NBsupport@aia.com
WE provide
Employee Benefits & Pension Plan
PENTING! Proposal/dokumen ini bukan bagian dari Polis DISCLAIMER! This proposal is not a part of the insurance
asuransi. Informasi dalam proposal ini disediakan serta dibuat Policy. Information in this proposal / document is provided and
seringkas dan sejelas mungkin oleh PT. AIA FINANCIAL untuk made as short and as clear as possible by PT. AIA FINANCIAL
memberikan gambaran mengenai berbagai manfaat asuransi to provide a brief overview of the various insurance benefits and
dan ketentuan dari kepemilikan asuransi ini. Polis memuat conditions of this insurance ownership. Considering that the
segala persyaratan dan ketentuan secara lengkap dan policy consists of all terms and conditions in complete and
terperinci, maka penafsiran terakhir dari segala ketentuan detailed as possible, then the final interpretation of Insurance
termasuk tetapi tidak terbatas pada Manfaat Asuransi dan Benefits and conditions determined by what is stated in the
pengajuan klaim ditentukan berdasarkan apa yang tercantum Policy.
pada Polis
26 | P a g e
Proposal ini disajikan* :
This Proposal is Presented*:
Untuk / For : PT. NUSA EKA WINAPRATAMA
Alamat / Address : Jakarta
Jumlah Karyawan / Total Employees : -/+ 21
Program : DPLK – PPUKP
Besarnya Iuran / Contribution : TBA
Biaya Administrasi per bulan : 0% per bulan dari iuran

Administration Fee per month 0% per month of contribution
Biaya Investasi (Pengelolaan Dana) per tahun : 0.75% dari Aset untuk portofolio Pasar uang
Investment Fee per Year 0.75% of Asset for Money Market portfolio
Asset Taken Over (ATO) jika ada / if any : TBA
Jakarta, 17 Februari 2021

Hormat Kami / Best Regards,
Teddy Arifin
Head of Institutional Bancassurance
And Business Development
Catatan:
Masa berlaku Proposal ini adalah 3 bulan mulai dari tanggal penerbitan.
This proposal is valid for 3 months from the date of issue.
*Proposal ini bukan merupakan persetujuan penutupan program DPLK. Persetujuan penutupan program DPLK harus
memenuhi ketentuan yang berlaku yang ditetapkan oleh DPLK AIA FINANCIAL
*The proposal does not constitute approval of the closure of insurance coverage. Approval of insurance coverage must meet
the applicable provisions set by DPLK AIA FINANCIAL
27 | P a g e
LLA
AMMP
PIIR
RA N / AP
AN PPPE
ENND
DIIX
X :
• Tampilan / Screen Capture My AIA

• Contoh Laporan online / Sample online reporting (e-@ccess)
My AIA
https://www.aia-financial.co.id/
ii | P a g e
LOGIN
https://www.aia-financial.co.id/secure/dplk/
iii | P a g e
MENU
iv | P a g e
MUTASI REKENING
v|P a g e
DATA IURAN DAN PEMBAYARAN KLAIM
vi | P a g e
LAPORAN
ALOKASI INVESTASI & ASSET SAAT INI
vii | P a g e
UNIT PRICE (NAV)
DOWNLOAD DOKUMEN
viii | P a g e
Thank You
ix | P a g e
SUMMARY
Company : NUSA EKA WINAPRATAMA, PT
Valuation Date : 1 March 2021
Summary of Valuation Results
Past Service Liability : Rp. 738,023,646

Current Asset : Rp. 380,000,000
Liability Status : Rp. 358,023,646
1. Future Service Contribution : 9.4% of Salary
1x Instalment of Liability Status : Rp. 358,023,646
5x Instalment of Liability Status : Rp. 71,604,729
No Liability Status Paid : Rp. 0
Summary of Plan Provisions
1. The Company : NUSA EKA WINAPRATAMA, PT

3. Normal Retirement Benefit : (2A+B) x 1.15 x Final Wages
4. Death Benefit : (2A+B) x 1.15 x Final Wages
5. Disability Benefit : (2A+2B) x 1.15 x Final Wages
6. Resignation Benefit : -
where A and B:
Year of Service
A B
(yos)
yos < 1 1 0
1 <= yos < 2 2 0
2 <= yos < 3 3 0
3 <= yos < 4 4 2
4 <= yos < 5 5 2
5 <= yos < 6 6 2
6 <= yos < 7 7 3
7 <= yos < 8 8 3
8 <= yos < 9 9 3
9 <= yos < 12 9 4
12 <= yos < 15 9 5
15 <= yos < 18 9 6
18 <= yos < 21 9 7
21 <= yos < 24 9 8
yos >= 24 9 10
Summary of Assumptions

2. Investment Rate : 7.00%
3. Discount Rate : 7.00%
4. Salary Increment Rate : 5.00%
5. Mortality Rate : TMI 3 (2011) Male
6. Disability Rate : 10% of mortality rate
7. Voluntary Resignation Rate : 100% voluntary; 0%efficiency; 0% unsevere valuation
and 0% others
5% at age 20 decreasing linearly to 0% at age 50
Page 1 of 6
Summary of Membership Data
1.
No. of Total Average Average Average
Members Monthly Salary Monthly Salary Age Past Service
Total 21 97,500,000 4,642,857 40.78 8.01
2.
Age No. of members
24 or below 0
25 - 29 1
30 - 34 4
35 - 39 5
40 - 44 7
45 - 49 0
50 - 54 4
55 or above 0
Total 21
Disclaimer :
Figures above are calculated for illustration purposes only and should not be used as part of any contract between
DPLK AIA Financial (and / or AIA Financial) and any party.
The calculations above are based on data provided to DPLK AIA Financial (and / or AIA Financial).
Page 2 of 6
NUSA EKA WINAPRATAMA, PT
Valuation Date : 01-Mar-2021
1 Normal Retirement Age : 57
2 Investment Rate : 07.00% / year
3 Salary Increment Rate : 05.00% / year
4 Mortality Rate TMI 3 (2011) Male
1-Mar-21
Valuation Past Years Past Service Pension Benefit
No Name DOB DOE NRA Salary
Age of Services Liability
TOTAL 97,500,000 738,023,646 6,923,791,315
AVERAGE 40.78 8.01 4,642,857 35,143,983 329,704,348
1 ASMAN 2-Oct-66 8-Jan-13 57 54.41 8.14 4,500,000 76,778,222 125,519,625
2 AHMAD KHAELANI 4-May-68 8-Jan-13 57 52.82 8.14 4,500,000 69,694,575 144,675,631
3 HERMANTO 6-Sep-68 3-Feb-14 57 52.48 7.07 4,500,000 63,042,976 138,385,387
4 TARMO 10-Feb-77 21-Mar-12 57 44.05 8.94 4,500,000 41,493,656 241,632,469
5 JAJANG SOLIHIN 1-May-78 1-Oct-13 57 42.83 7.41 4,500,000 33,539,865 266,399,797
6 ARIYA YULI ASTUTI 2-Jul-78 8-Jan-13 57 42.66 8.14 4,500,000 34,918,307 266,399,797
7 SUHARJO 2-Jul-78 3-Jan-13 57 42.66 8.15 4,500,000 34,970,608 266,399,797
8 KARYONO 25-Feb-80 12-Jun-13 57 41.01 7.71 4,500,000 32,357,369 279,719,787
9 JAMES WINNER 13-Aug-80 8-Jan-13 57 40.55 8.14 7,000,000 49,486,141 492,019,932
10 MAWARTI 31-Aug-81 5-Jan-14 57 39.50 7.15 4,500,000 26,904,049 332,113,454
11 LILI WAHYULI 17-Oct-82 15-Jan-13 57 38.37 8.12 4,500,000 26,884,597 348,719,127
12 WASINO 31-Dec-82 5-Jan-14 57 38.17 7.16 4,500,000 24,018,260 348,719,127
13 M. MASPUR 10-Mar-83 17-Feb-12 57 37.98 9.04 4,500,000 28,838,058 366,155,083
14 THOILAH 27-Aug-85 2-Jan-13 57 35.51 8.16 4,500,000 21,955,798 403,685,979
15 SUKANTA 7-Jul-86 11-Feb-12 57 34.65 9.05 4,500,000 22,280,676 423,870,278
16 VINCENT WINNER 20-Jul-88 18-Sep-13 57 32.61 7.45 5,000,000 18,373,661 519,241,091
17 ROSID 7-Jul-89 15-Jan-12 57 31.65 9.13 4,500,000 17,871,431 490,682,831
18 YUSUP ARIPIN 15-Dec-89 13-Jun-12 57 31.21 8.72 4,500,000 16,378,313 490,682,831
19 IRFAN FADILAH 31-Aug-93 31-Mar-11 57 27.50 9.92 4,500,000 13,644,036 596,428,048
20 RUSDIN 31-Dec-68 3-Feb-16 57 52.16 5.07 4,500,000 49,679,430 138,385,387
21 HARUN 24-Jul-77 2-Nov-13 57 43.60 7.32 4,500,000 34,913,620 243,955,858
Disclaimer:
Figures above are calculated for illustration purposes only and should not be used as part of any contract between DPLK AIA Financial (and / or AIA Financial) and any party.
Page 3 of 6
of total salary/
Current Asset : 380,000,000
Liability Status : 358,023,646
Yr Initial Fund Balance BOY Contribution Inv Return Ben Paid Balance EOY NOL
2021 738,023,646 738,023,646 91,668,740 54,029,560 - 877,094,032 21

2022 - 877,094,032 115,502,612 65,057,025 - 1,049,721,266 21
2023 - 1,049,721,266 119,878,384 77,279,606 125,519,625 1,112,949,434 20
2024 - 1,112,949,434 121,464,324 81,755,838 - 1,306,298,324 20
2025 - 1,306,298,324 120,852,104 95,270,859 421,446,405 1,092,717,571 17
2026 - 1,092,717,571 114,475,227 80,118,113 - 1,277,656,080 17
2027 - 1,277,656,080 120,198,989 93,245,203 - 1,479,917,020 17
2028 - 1,479,917,020 126,208,938 107,593,933 - 1,700,866,992 17
2029 - 1,700,866,992 132,519,385 123,260,418 - 1,941,971,945 17
2030 - 1,941,971,945 139,145,354 140,347,751 - 2,204,804,063 17
2031 - 2,204,804,063 146,102,622 158,966,485 - 2,491,049,121 17
2032 - 2,491,049,121 153,407,753 179,235,149 - 2,802,514,334 17
2033 - 2,802,514,334 161,078,141 201,280,800 - 3,141,136,725 17
2034 - 3,141,136,725 155,569,572 224,809,793 485,588,326 3,013,158,305 15
2035 - 3,013,158,305 140,730,629 215,381,036 799,199,390 2,550,795,051 12
2036 - 2,550,795,051 133,694,097 182,792,611 - 2,845,777,145 12
2037 - 2,845,777,145 123,036,684 203,103,608 771,739,719 2,382,176,386 10
2038 - 2,382,176,386 112,810,991 170,327,489 332,113,454 2,315,702,401 9
2039 - 2,315,702,401 107,251,252 165,498,113 697,438,254 1,876,830,911 7
2040 - 1,876,830,911 80,540,260 133,930,600 366,155,083 1,712,208,087 6
2041 - 1,712,208,087 82,322,124 122,463,472 - 1,902,616,230 6
2042 - 1,902,616,230 80,544,714 135,735,713 403,685,979 1,702,346,598 5
2043 - 1,702,346,598 68,482,652 121,334,575 423,870,278 1,457,281,345 4
2044 - 1,457,281,345 64,109,664 104,041,421 - 1,613,241,687 4
2045 - 1,613,241,687 58,218,505 114,771,946 519,241,091 1,257,488,614 3
2046 - 1,257,488,614 41,548,910 89,340,947 981,365,662 403,960,213 1
2047 - 403,960,213 18,052,285 28,849,318 - 447,480,352 1
2048 - 447,480,352 18,954,899 31,924,332 - 494,621,887 1
2049 - 494,621,887 19,902,644 35,254,275 - 545,655,465 1
2050 - 545,655,465 12,190,370 38,582,213 596,428,048 0 0
2,980,462,827 6,923,791,315
Disclaimer:
Page 4 of 6
of total salary/
Yr Initial Fund Balance BOY Contribution Inv Return Ben Paid Balance EOY NOL
2021 451,604,729 451,604,729 93,998,843 34,040,425 - 575,296,668 21

2022 71,604,729 646,901,397 118,438,542 49,036,584 - 808,268,700 21
2023 71,604,729 879,873,429 122,925,541 65,486,826 125,519,625 935,695,425 20
2024 71,604,729 1,007,300,154 124,551,793 74,458,235 - 1,197,262,856 20
2025 71,604,729 1,268,867,586 123,924,012 92,748,060 421,446,405 1,056,112,554 17
2026 - 1,056,112,554 117,385,043 77,647,978 - 1,241,761,984 17
2027 - 1,241,761,984 123,254,295 90,829,444 - 1,444,926,879 17
2028 - 1,444,926,879 129,417,010 105,246,292 - 1,666,993,254 17
2029 - 1,666,993,254 135,887,860 120,996,008 - 1,909,448,045 17
2030 - 1,909,448,045 142,682,253 138,183,168 - 2,173,886,115 17
2031 - 2,173,886,115 149,816,366 156,919,923 - 2,462,017,736 17
2032 - 2,462,017,736 157,307,184 177,326,531 - 2,775,676,565 17
2033 - 2,775,676,565 165,172,544 199,531,913 - 3,116,828,164 17
2034 - 3,116,828,164 159,523,954 223,233,514 485,588,326 2,991,392,326 15
2035 - 2,991,392,326 144,307,823 213,970,784 799,199,390 2,531,343,007 12
2036 - 2,531,343,007 137,092,432 181,538,666 - 2,828,599,298 12
2037 - 2,828,599,298 126,164,121 202,000,272 771,739,719 2,367,136,293 10
2038 - 2,367,136,293 115,678,504 169,365,558 332,113,454 2,302,666,398 9
2039 - 2,302,666,398 109,977,443 164,671,990 697,438,254 1,865,778,496 7
2040 - 1,865,778,496 82,587,491 133,221,810 366,155,083 1,702,566,969 6
2041 - 1,702,566,969 84,414,648 121,854,909 - 1,894,520,252 6
2042 - 1,894,520,252 82,592,059 135,233,878 403,685,979 1,695,845,258 5
2043 - 1,695,845,258 70,223,395 120,934,648 423,870,278 1,452,159,524 4
2044 - 1,452,159,524 65,739,250 103,734,537 - 1,609,471,062 4
2045 - 1,609,471,062 59,698,346 114,554,900 519,241,091 1,254,999,594 3
2046 - 1,254,999,594 42,605,031 89,200,186 981,365,662 402,398,355 1
2047 - 402,398,355 18,511,151 28,754,530 - 446,291,555 1
2048 - 446,291,555 19,436,709 31,856,386 - 493,852,765 1
2049 - 493,852,765 20,408,544 35,216,469 - 545,356,695 1
2050 - 545,356,695 12,500,233 38,571,119 596,428,048 0 0
3,056,222,424 6,923,791,315
Disclaimer:
Page 5 of 6
of total salary/
Yr Initial Fund Balance BOY Contribution Inv Return Ben Paid Balance EOY COUNT
2021 380,000,000 380,000,000 112,831,960 29,514,575 - 518,428,936 21

2022 - 518,428,936 142,168,270 40,795,541 - 696,132,301 21
2023 - 696,132,301 147,554,260 53,405,466 125,519,625 765,785,609 20
2024 - 765,785,609 149,506,340 58,343,062 - 966,332,748 20
2025 - 966,332,748 148,752,779 72,357,480 421,446,405 760,251,629 17
2026 - 760,251,629 140,903,697 57,683,053 - 951,647,091 17
2027 - 951,647,091 147,948,881 71,304,008 - 1,162,118,231 17
2028 - 1,162,118,231 155,346,325 86,271,423 - 1,393,207,959 17
2029 - 1,393,207,959 163,113,642 102,693,862 - 1,646,572,847 17
2030 - 1,646,572,847 171,269,324 120,687,869 - 1,923,991,064 17
2031 - 1,923,991,064 179,832,790 140,378,533 - 2,227,370,869 17
2032 - 2,227,370,869 188,824,430 161,900,077 - 2,558,759,660 17
2033 - 2,558,759,660 198,265,651 185,396,498 - 2,920,353,645 17
2034 - 2,920,353,645 191,485,340 210,493,199 485,588,326 2,815,468,279 15
2035 - 2,815,468,279 173,220,584 202,572,387 799,199,390 2,374,121,396 12
2036 - 2,374,121,396 164,559,555 171,403,625 - 2,689,758,942 12
2037 - 2,689,758,942 151,441,705 193,082,530 771,739,719 2,245,574,382 10
2038 - 2,245,574,382 138,855,244 161,590,728 332,113,454 2,197,302,598 9
2039 - 2,197,302,598 132,011,949 157,994,829 697,438,254 1,776,447,089 7
2040 - 1,776,447,089 99,134,289 127,493,003 366,155,083 1,624,642,403 6
2041 - 1,624,642,403 101,327,526 116,936,182 - 1,829,084,315 6
2042 - 1,829,084,315 99,139,772 131,177,783 403,685,979 1,643,298,022 5
2043 - 1,643,298,022 84,292,987 117,702,227 423,870,278 1,410,762,286 4
2044 - 1,410,762,286 78,910,423 101,254,144 - 1,578,994,901 4
2045 - 1,578,994,901 71,659,195 112,800,625 519,241,091 1,234,882,028 3
2046 - 1,234,882,028 51,141,152 88,062,478 981,365,662 389,774,596 1
2047 - 389,774,596 22,219,949 27,988,404 - 436,683,076 1
2048 - 436,683,076 23,330,946 31,307,206 - 487,636,319 1
2049 - 487,636,319 24,497,493 34,910,903 - 542,941,881 1
2050 - 542,941,881 15,004,715 38,481,452 596,428,048 (0) 0
3,668,551,172 6,923,791,315
Disclaimer:
Page 6 of 6

Proposal DPLK Avrist &amp; AIA

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Informasi Dokumen

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Format Tersedia

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Proposal DPLK Avrist &amp; AIA

Diunggah oleh

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Format Tersedia

QUOTATION SLIP

Jenis Program : Dana Pensiun Lembaga Keuangan

Nama Program : Program Pensiun Untuk Kompensasi Pesangon

Nama Perusahaan : PT NUSA EKA WIRAPRATAMA

Okupasi Perusahaan : Manufacture

Periode Program : 1 Februari 2021

Jumlah Peserta : 21 peserta

Provider Program : DPLK Avrist

Masa Berlaku Proposal : 30 hari sejak tanggal proposal

Jakarta, 17 Februari 2021

Nama : Nama : Santy Chen

Ruko Ruko Rich Palace Blok A1 No. 36 - 40

No Deskripsi AVRIST AIA

Ruko Ruko Rich Palace Blok A1 No. 36 - 40

Submitted to : PT. Nusa Eka Wira Pratama

2. Informasi Perusahaan 2. Company Information

3. Manfaat Program 3. Benefits of the Program

Type of Program : Defined Benefit Program

4. Metodelogi Perhitungan 4. Calculation Method

Participant Data as of 11 February 2021

Distribusi Karyawan Aktif / Distribution of Active Participants

Estimasi Pembayaran Kewajiban Imbalan Pasti / Expected Term Benefits Obligation

Effective Date Program : 01 February 2021

Tingkat Bunga Diskonto Discount Rate

Tingkat Mortalita Mortality Rate

Tingkat Cacat Disability Rate

7. Ringkasan Hasil Valuasi dan Rancangan 7. Summary of Valuation Results and

Summary of Valuation Results

Past Service Liability : Rp. 755,526,237

Summary of Plan Provisions

1. The Company : PT Nusa Eka Wira Pratama

1. Normal Retirement Age : 57

Total 21 97,500,000 4,642,857 40.71 7.93

1 Normal Retirement Age : 57

TOTAL 97,500,000 755,526,237 6,949,858,927

1 ASMAN 2-Oct-66 8-Jan-13 57 54.34 8.07 4,500,000 79,319,288 125,519,625

2021 755,526,237 755,526,237 104,752,959 50,182,953 - 896,805,217 21

2021 - - 147,094,517 8,580,514 - 153,339,905 21

2021 151,105,247 151,105,247 108,543,476 15,146,176 - 270,672,976 21

Confidential – for our valued client only

Confidential – for our valued client only

1. Profil perusahaan / Company Profile 3

2. DPLK AIA FINANCIAL / FIPF AIA Financial 10

3. Program Pensiun Untuk Kompensasi Pesangon (PPUKP) /

Pension Program to Compensate Severance Benefits (PPUKP)

4. Iuran PPUKP / PPUKP Contributions 16

6. Administrasi dan Pelayanan / Services & Administration 19

8. Prosedur Klaim / Claim Procedure 23

AIA GROUP ABOUT THE AIA GROUP

Mengapa AIA? Why AIA?

✓ Berbagai pilihan produk untuk membantu ✓ Wide selection of products to help

Assets (Trilyun Rp)

2014 2015 2016 2017 2018 2019

Equity (Trilyun Rp)

2014 2015 2016 2017 2018 2019

2014 2015 2016 2017 2018 2019

Ijin Usaha DPLK AIA FINANCIAL: DPLK AIA FINANCIAL License:

Pengaturan DPLK – PPUKP secara umum DPLK - PPUKP Arrangements in general

▪ Hanya mengelola cadangan pendanaan ▪ Only manage funding of post employment

FUNDING & INVESTMENT PERIOD PAYMENT PERIOD

MANFAAT DPLK PPUKP DPLK PPUKP BENEFITS

TATA CARA PEMBAYARAN MANFAAT PPUKP PROCEDURES OF PAYMENT BENEFIT PPUKP

MANFAAT BAGI PEMBERI KERJA BENEFITS FOR COMPANY

Memiliki Menejemen Administrasi dan Manajer Have the professional administrative

Proposal DPLK Avrist & AIA

Proposal DPLK Avrist & AIA