WOM-Finance ARampSR-2021-FA Low Res 220321

Laporan Tahunan
Laporan Keberlanjutan
Annual Report
Sustainability Report
2021
Solid Synergy to Reach

Higher Excellence
PT Wahana Ottomitra Multiartha Tbk

Laporan Tahunan - Laporan Keberlanjutan 2021 Annual Report - Sustainability Report
2 PT Wahana Ottomitra Multiartha Tbk
Kondisi Pandemi Corona Virus Disease (Covid-19) yang terus berlanjut
di tahun 2021 membuat Perseroan harus beradaptasi dengan cepat.
Perseroan melanjutkan transformasi digital yang terbukti telah
meningkatkan efisiensi dan efektivitas dalam proses bisnis. Digitalisasi
dalam aspek operasional dan layanan merupakan jawaban untuk
mengatasi tantangan pandemi yang masih berlangsung serta
memenuhi harapan pelanggan akan layanan yang mudah, cepat dan
memuaskan.
Perseroan secara berkelanjutan terus meningkatkan kualitas sumber

daya manusia melalui kegiatan pendidikan dan pelatihan yang
berkesinambungan sehingga Perseroan mampu menghadirkan layanan
prima untuk kepuasan pelanggan. Kepercayaan yang tinggi dari
pelanggan dan para mitra strategis turut berperan dalam pencapaian
kinerja Perseroan yang terus bertumbuh.
Sejalan dengan kondisi pasar sepeda motor yang semakin membaik,

Perseroan optimis dapat meningkatkan pencapaian kinerja pada masa
mendatang. Dukungan dari pemegang saham, karyawan dan para
pemangku kepentingan lainnya akan sangat membantu Perseroan
untuk merealisasikan pertumbuhan usaha yang berkelanjutan.
Solid Synergy to Reach

Higher Excellence
The Covid-19 pandemic proceeded in 2021, urging the Company to
adapt quickly. The Company further makes its digital transformation
to increase business process efficiency and effectivity. Operational and
service digitalization is the key to overcome prolonged pandemic and
meet customer expectation for easy, safe and excellent service.
The Company sustainably enhances human resources quality by

conducting educational activity and training in sustainable manner
to provide excellent service for customer satisfaction. High trust from
customers and strategic partners plays a role in achieving the Company’s
continued performance growth.
The Company is confident that the improved motorcycle market can

lead to the Company’s better performance in the future. Supports of
shareholders, employees and other stakeholders will help to achieve
sustainable business growth.

PT Wahana Ottomitra Multiartha Tbk 3
58 Struktur Organisasi
Organization Structure
60 Bidang Usaha
Daftar Isi
Line of Business
62 Produk dan Layanan
Product and Services
Table of Contents 63 Keanggotaan Asosiasi
Association Membership
64 Profil Dewan Komisaris
Board of Commissioners Profile
.01 69
76
Profil Direksi
Board of Directors Profile
Ikhtisar Utama
Profil Dewan Pengawas Syariah
Sharia Supervisory Board Profile
Performance Highlights 81 Pejabat Senior
Senior Management
8 Ringkasan Kinerja 92 Demografi Karyawan
Performance Highlights Employees Demography
10 Ikhtisar Keuangan 94 Komposisi Pemegang Saham
Financial Highlights Composition of Shareholders
96 Profil Pemegang Saham
15 Ikhtisar Saham Profile of Shareholders
Shares Highlights
102 Struktur Grup Perusahaan
16 Ikhtisar Obligasi Group Structure
Bonds Highlights 104 Daftar Entitas Anak dan Entitas Asosiasi
Subsidiaries dan Associates
17 Aksi Korporasi
Corporate Actions 105 Kronologi Penerbitan Saham
Shares Issuance Chronology
17 Penghentian Sementara Perdagangan Saham/
Penghapusan Pencatatan Saham 123 Kronologi Penerbitan Efek Lain
Suspension/Delisting Other Stocks Chronology
126 Nama dan Alamat Lembaga Profesi Penunjang
18 Peristiwa Penting Name and Address of Supporting Institutions
Event Highlights Professionals
129 Penghargaan dan Sertifikasi
.02
Awards and Certifications
133 Informasi Pada Website Perusahaan
Corporate Website Information
Laporan Manajemen 136 Pendidikan dan Pelatihan Manajemen
Education and Training of Management
Management Reports
138 Wilayah Operasional
Operational Map
23 Laporan Dewan Komisaris
Board of Commissioners Report 140 Alamat Kantor Pusat, Kantor Cabang dan
Kantor Selain Kantor Cabang
29 Laporan Direksi Head Office Office, Branch Office and
Board of Directors Report Non-Branch Office Addresses
39
.04
Laporan Dewan Pengawas Syariah
Sharia Supervisory Board Report
.03 Analisa dan Pembahasan Manajemen

Management Discussion and Analysis
Profil Perusahaan
Company Profile 156 Tinjauan Ekonomi
Economic Overview
160 Tinjauan Industri
50 Profil Perusahaan Industry Overview
Company Profile 163 Tinjauan Operasional Segmen Usaha
Business Segment Operational Overview
51 Sekilas Perusahaan
Company In Brief 171 Tinjauan Keuangan
Financial Overview
53 Logo Perusahaan
Corporate Logo 211 Sumber Daya Manusia
Human Resources
54 Jejak Langkah
Milestone 222 Teknologi Informasi
Information Technology
56 Visi, Misi dan Nilai Perusahaan
Vision, Mission and Corporate Values

.05 422 Pemegang Saham dengan Kepemilikan
Saham 5% atau Lebih
Shareholders with 5% Share Ownership or More
Tata Kelola Perusahaan 423 Informasi Mengenai Pemegang Saham
Corporate Governance Pengendali/Pemegang Saham Utama
Information About Controlling/Major Shareholder
226 Tata Kelola Perusahaan 425 Sistem Pelaporan Pelanggaran
Good Corporate Governance Whistleblowing System
242 Struktur Tata Kelola 430 Kebijakan Anti Korupsi
Governance Structure Anti Corruption Policy
243 Rapat Umum Pemegang Saham 433 Penilaian Penerapan Tata Kelola
General Meeting of Shareholders Perusahaan Terbuka
GCG Implementation Assessments
264 Direksi
Board of Directors
284 Dewan Komisaris
Board of Commissioners .06
299 Penilaian Kinerja Komite di Bawah Dewan
Komisaris Laporan Keberlanjutan
Performance Assessment of Committees under
Board of Commisioners
300 Penilaian Kinerja Dewan Komisaris dan Direksi 440 Roadmap Menuju Keberlanjutan
Board of Commissioners and Board of Directors Roadmap Towards Sustainability
Performance Assessment
441 Ikhtisar Kinerja Keberlanjutan
306 Rapat Dewan Komisaris dan Direksi Sustainability Performance Highlights
Meetings of Board of Commissioners and
Board of Directors 442 Laporan Direksi
Board of Directors Report
311 Dewan Pengawas Syariah
452 Tentang Laporan Keberlanjutan
Sharia Supervisory Board
About Sustainability Report
314 Rapat Dewan Pengawas Syariah
462 Profil Perusahaan
dan Risalah Rapat
Sharia Supervisory Board Meeting and Company Profile
Minutes of Meeting 494 Tata Kelola Berkelanjutan
Sustainability Governance
315 Komite-Komite
Committees 525 Momentum Untuk Meraih Kinerja Terbaik
Momentum to Achieve Best Performance
316 Komite Audit
Audit Committee 538 Bergerak Bersama Memberdayakan
Masyarakat
325 Komite Nominasi dan Remunerasi
Moving Together Empowering Community
Nomination and Remuneration Committee
330 Komite Pemantau Risiko 555 Bersama Menjaga Kelestarian Lingkungan
Risk Oversight Committee Together To Preserve The Environment
334 Komite di Bawah Direksi 564 Sumber Daya Manusia Pilihan Penopang
Committee Under Board of Directors Kemajuan
Human Resources As a Key Pillar For Progress
335 Komite Manajemen Risiko
591 Bersama Mewujudkan Angka Kecelakaan Kerja
Risk Management Committee
Nihil
338 Komite Produk dan Pengembangan Together Realizing Zero Work Accident Rate
Kegiatan Usaha Syariah
Sharia Product and Business Development 593 Layanan Terbaik Untuk Kepuasan Konsumen
Committee Excellent Services For Customer Satisfaction
342 Komite Pengarah Teknologi Informasi 604 Verifikasi Tertulis Dari Pihak Independen
Information Technology Steering Committee Written Verification From Independent Party
347 Sekretaris Perusahaan 605 Lembar Umpan Balik
Corporate Secretary Feedback Sheet
351 Audit Internal 607 Tanggapan Terhadap Umpan Balik Laporan
Internal Audit Tahun Sebelumnya
Response To Feedback Of Previous Year Report
359 Sistem Pengendalian Internal
608 Daftar Indeks POJK 51/POJK.03/2017
Internal Control System
POJK Index Number 51/POJK.03/2017
366 Manajemen Risiko
612 Indeks Isi GRI Standards/GRI Standards Index
Risk Management
Indeks Isi GRI Standards/GRI Standards Index
382 Perkara Hukum
Litigation Case
388 Akses Informasi dan Data Perusahaan
Information Access and Corporate Data .07
417 Kode Etik
Code of Conduct Laporan Keuangan 2021
421 Informasi Mengenai Pemegang Saham Financial Statements 2021
Utama & Pemegang Saham Pengendali
Information about Major & Controlling
Shareholders

.01
Ikhtisar Utama
Performance Highlights
Perseroan berhasil mencatatkan laba tahun berjalan sebesar Rp110,61

miliar atau naik 92,77% dibandingkan periode yang sama tahun 2020
sebesar Rp57,38 miliar, sedangkan penyaluran pembiayaan kendaraan
bermotor pun meningkat sebesar 62,07% menjadi 213 ribu unit
dengan nominal mencapai Rp4,14 triliun pada tahun 2021
The Company recorded a income for the year at Rp110.61 billion, an increase of 92.77% compared to Rp57.38
billion recorded in the same period in 2020. The distribution of motor vehicle financing also experienced an
increase of 62.07% to 213 thousand units with a nominal value of Rp4,14 trillion documented in 2021

.01 .02 .03 .04
Ikhtisar Utama Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Ringkasan Kinerja
Kinerja Operasional
Operational Performances
Laba Tahun Berjalan Total Pendapatan Total Pembiayaan

Income for the Year Total Revenues Total Financing
111 1,57 213

Rp Rp ribu unit
miliar triliun thousand
billion trillion units
Total Laba yang tercatat pada Total Pendapatan turun 21,48% Total Pembiayaan mencapai 213
tahun 2021 sebesar Rp110,61 menjadi Rp1,57 triliun di Tahun ribu unit yang didominasi produk
miliar atau naik 92,77% 2021 dari tahun sebelumnya multiguna jasa – MotorKu dan
dibandingkan periode sama Tahun Rp2,00 trilliun. MobilKu sebanyak 141 ribu unit.
2020 sebesar Rp57,38 miliar. Total Revenues decreased by 21.48% Pembiayaan Motor Baru sebanyak
In 2021, the Company recorded total to Rp1.57 trillion in 2021 from 71 ribu unit.
profit of Rp110.61 billion, an increase Rp2.00 trillion in the previous year. Total Financing reached 213
of 92.77% compared the same period thousand units, which remain
of 2020 of Rp57.38 billion. dominated by multipurpose financing
of MotorKu and MobilKu reached
141 thousand units. New motorcycle
financing reached 71 thousand units.
Total Penyaluran Pembiayaan

Total Financing Disbursement
4,14
Rp
triliun
trillion
Total Penyaluran Pembiayaan

tercatat sebesar Rp4,14 triliun.
Total Financing Disbursement was
recorded at Rp4.14 trillion.

.05 .06 .07
Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan 2021
Corporate Governance Sustainability Report Financial Statements 2021
Kinerja Keuangan
Financial Review
Total Aset
Total Assets
5,15
Rp
triliun
trillion
Total Aset menurun sebesar 2,51% menjadi Rp5,15 triliun
dibandingkan Tahun 2020 yang sebesar Rp5,28 triliun.
Total Assets of Rp5.15 trillion, decreased by 2.51% from
Rp5.28 trillion in 2020.
Total Liabilitas Total Ekuitas

Total Liabilities Total Equity
3,82 1,33
Rp Rp
triliun triliun
trillion trillion
Total Liabilitas mencapai Rp3,82 triliun turun 6,21% Total Ekuitas sebesar Rp1,33 triliun meningkat sebesar
dari sebelumnya Rp4,07 triliun. 9,91% dari Rp1,21 triliun di Tahun 2020.
Total Liabilities reached Rp3.82 trillion, decreased by Total Equity amounted to Rp1,33 trillion, increased by
6.21% from Rp4.07 trillion in previous year. 9.91% from Rp1,21 trillion in 2020.
Rasio-Rasio Keuangan Penting

Key Financial Ratios
1,42% Rasio Pembiayaan Bermasalah Gross (NPF)

Gross Non Performing Financing (NPF)
8,74% Return on Equity (ROE)

Return on Equity (ROE)
3,19% Return on Assets (ROA)

Return on Assets (ROA)
2,31 kali lipat

times
Gearing Ratio
Gearing Ratio

.01 .02 .03 .04
Ikhtisar Keuangan
Financial Highlights
Laporan Laba Rugi dan Penghasilan Komprehensif Lain

Statement of Profit or Loss and Other Comprehensive Income
Dalam Rp Juta In Rp Million
Uraian 2021 2020 2019 2018 2017 Description
Pendapatan Revenues
Pembiayaan Konsumen, Modal Consumer Financing, Capital Financing,
1.241.703 1.588.206 2.073.049 2.087.765 1.544.794
Usaha, dan Sewa Pembiayaan - Neto and Finance Lease - Net
Bunga 8.310 33.406 35.625 18.717 21.455 Interest
Administrasi 83.750 73.467 175.357 257.601 335.310 Administration
Lain-lain 237.220 305.771 359.656 252.031 252.872 Others
Total Pendapatan 1.570.983 2.000.850 2.643.687 2.616.114 2.154.431 Total Revenues
Beban Expenses
Umum dan Administrasi 501.731 568.520 736.503 690.117 604.830 General and Administrative
Gaji dan Tunjangan 307.953 344.523 440.393 439.535 381.675 Salaries and Benefits
Pendanaan dan Keuangan 295.982 521.701 638.807 671.865 567.363 Financing Costs and Financing Charges
Pembentukan Cadangan Kerugian
208.967 374.176 404.929 474.284 325.768 Provision for Impairment Losses
Penurunan Nilai
Penyusutan 70.708 78.491 44.929 37.104 30.249 Depreciation
Lain-lain 30.398 19.484 7.060 16.046 2.794 Others
Total Beban 1.415.739 1.906.895 2.272.621 2.328.951 1.912.679 Total Expenses
Laba Sebelum Beban Pajak Final dan Income Before Final Tax Expense and
155.244 93.955 371.066 287.163 241.752
Beban Pajak Penghasilan Income Tax Expense
Beban Pajak Final dan Beban Pajak Final Tax Expense and
44.634 36.577 111.395 71.980 61.087
Penghasilan Income Tax Expense
Laba Tahun Berjalan 110.610 57.378 259.671 215.183 180.665 Income for the Year
Pos yang tidak akan direklasifikasi Items that will not be reclassified to
ke laba rugi profit or loss
Keuntungan (Kerugian) Aktuarial 12.425 20.893 4.870 27.506 (8.203) Actuarial Gain (Loss)
Pajak Penghasilan (2.733) (4.141) (1.218) (6.877) 2.051 Income Tax
Laba (Rugi) Komprehensif Lainnya Other Comprehensive Gain (Loss)
9.692 16.752 3.652 20.629 (6.152)
- Neto Setelah Pajak - Net Of Tax
Total Laba Komprehensif Total Comprehensive Income
120.302 74.130 263.323 235.812 174.513
Tahun Berjalan for The Year
Laba per Saham Dasar (dinyatakan Basic Earnings per Share
31,77 16,48 74,59 61,81 51,89
dalam nilai Rupiah penuh) (Expressed In Full Rupiah Amount)
Laporan Posisi Keuangan

Statement of Financial Position
Kas dan Setara Kas 448.752 634.520 751.561 1.243.576 684.303 Cash and Cash Equivalents
Piutang Pembiayaan Konsumen, Modal Consumer Financing, Capital Financing,
4.415.639 4.318.561 7.205.215 7.243.068 6.796.231
Usaha, dan Sewa Pembiayaan - Neto and Finance Lease Receivables - Net
Piutang Lain-Lain 24.206 42.988 46.574 72.344 57.981 Other Receivables
Biaya Dibayar Dimuka dan Uang
12.048 6.218 76.904 119.014 101.642 Prepaid Expenses and Advances
Muka
Aset Tetap - Setelah Dikurangi Property and Equipment - Net of
73.654 84.791 111.672 109.629 66.137
Akumulasi Penyusutan Accumulated Depreciation
Aset Hak-Guna 83.388 96.026 - - - Right-of-Use Assets
Aset Tidak Berwujud - Setelah Intangible Assets - Net of
32.352 32.579 32.084 - -
Dikurangi Akumulasi Penyusutan Accumulated Depreciation
Aset Pajak Tangguhan - Neto 19.532 24.540 33.938 32.437 37.132 Deferred Tax Assets - Net
Aset Lain-Lain 41.513 43.479 13.222 7.239 2.306 Other Assets
Total Aset 5.151.084 5.283.702 8.271.170 8.827.307 7.745.732 Total Assets

.05 .06 .07
Utang Bank 1.967.885 1.743.411 3.622.876 4.559.701 3.082.884 Bank Loans

Biaya Yang Masih Harus Dibayar 49.684 40.470 92.563 96.114 69.022 Accrued Expenses
Utang Pajak 23.689 2.564 39.337 3.093 30.000 Taxes Payable
Utang Lain-Lain 105.029 100.221 158.307 239.197 263.164 Other Payables
Liabilitas Sewa 50.978 57.488 - - - Lease Liabilities
Utang Obligasi - Neto 1.319.928 1.799.567 2.651.540 2.528.597 3.062.543 Bonds Payable - Net
Liabilitas Imbalan Kerja 100.244 126.636 135.970 128.944 148.307 Liability for Employee Benefits
Utang Subordinasi 200.000 200.000 200.000 100.000 100.000 Subordinated Loan
Total Liabilitas 3.817.437 4.070.357 6.900.593 7.655.646 6.755.920 Total Liabilities
Total Ekuitas 1.333.647 1.213.345 1.370.577 1.171.661 989.812 Total Equity
Total Liabilitas dan Ekuitas 5.151.084 5.283.702 8.271.170 8.827.307 7.745.732 Total Liabilities and Equity
Total Pembiayaan – dalam Unit

Total Financing – in Unit
Kegiatan Pembiayaan Jenis Produk

Financing Activities Products 2021 2020 2019 2018 2017
Pembiayaan Motor Baru
71.146 39.597 142.089 222.488 240.863
Pembiayaan Multiguna Barang New Motorcycle Financing
Multipurpose Financing Goods Pembiayaan Motor Bekas
1 3.022 16.968 29.834 32.590
Used Motorcycle Financing
Pembiayaan Multiguna MotorKu
120.750 76.335 174.027 203.163 181.078
Multipurpose Service Motorku
Fasilitas Dana MotorKu
11 31 - - -
Pembiayaan Multiguna Jasa Funding Facility MotorKu
Multipurpose Financing Service Pembiayaan Multiguna MobilKu
6.459 10.207 22.011 17.369 10.397
Multipurpose Facility MobilKu
Fasilitas Dana MobilKu
10.402 1.661 - - -
Funding Facility MobilKu
Pembiayaan Investasi
Sale and Leaseback MobilKu 547 79 - - -
Investment Financing
Fasilitas Modal Usaha MotorKu
- - - - -
Working Capital Facility MotorKu
Pembiayaan Modal Kerja
Fasilitas Modal Usaha MobilKu
Working Capital Financing 2.695 193 - - -
Working Capital Facility MobilKu
Sale and Leaseback MobilKu 393 89 - - -
Pembiayaan Jual Beli (Akad Pembiayaan Syariah Motor Baru
- - - - -
Murabahah) New Motorcycle Sharia Financing
Selling and Buying Financing
(Murabahah Contracts) Pembiayaan Syariah Logam Mulia
“MasKu”
253 - - - -
“MasKu” Precious Metals Sharia
Financing

.01 .02 .03 .04
Total Pembiayaan – dalam Rp juta

Total Financing – in Rp million
Kegiatan Pembiayaan Nama Produk

Financing Activities Products Name 2021 2020 2019 2018 2017
1.407.807 790.302 2.702.397 3.948.537 4.134.254
13 32.248 177.692 300.886 312.753
1.094.492 652.912 1.410.282 1.567.924 1.339.871
Multipurpose Service MotorKu
111 259 - - -
Pembiayaan Multiguna Jasa Funding Facility MotorKu
Multipurpose Financing Service Pembiayaan Multiguna MobilKu
482.207 752.989 1.500.292 1.165.304 657.690
Multipurpose Facility MobilKu
771.433 126.655 - - -
Sale and Leaseback MobilKu 76.562 11.431 - - -
Fasilitas Modal Usaha MotorKu
- - - - -
Working Capital Facility MotorKu
Pembiayaan Modal Kerja
Working Capital Financing 257.103 15.881 - - -
Working Capital Facility MobilKu
Sale and Leaseback MobilKu 49.405 12.948 - - -
Pembiayaan Syariah Motor Baru
- - - - -
Pembiayaan Jual Beli (Akad New Motorcycle Sharia Financing
Murabahah) Pembiayaan Syariah Logam Mulia
Selling and Buying Financing “MasKu”
(Murabahah Contracts) 1.372 - - - -
Financing
Rasio Keuangan Penting yang Relevan

Relevant Financial Ratios
Rasio Keuangan Yang Relevan

Relevant Financial Ratios 2021 2020 2019 2018 2017
Return on Total Assets (ROA) - (%) 3,19 1,27 4,39 3,25 3,53
Return on Equity (ROE) - (%) 8,74 4,67 21,09 19,93 20,27
Non-Performing Financing / NPF (Gross) - (%) 1,42 2,70 1,93 2,82 2,17
Borrowing and Debt Securities Issues - net / Total Assets (x) 0,68 0,71 0,78 0,81 0,81
Gearing Ratio (x) 2,31 2,70 4,19 5,65 5,73
Financing to Asset Ratio (%) 85,72 81,73% 87,11% 82,05% 87,74%
Current Ratio (x) 1,62 1,67 1,52 1,37 1,27
Informasi Lainnya
Other Information
Rasio Keuangan Yang Relevan

Relevant Financial Ratios 2021 2020 2019 2018 2017
Total Konsumen
339.170 432.240 723.636 843.192 853.822
Total Consumer
Total Karyawan
2.416 2.599 3.228 3.568 3.946
Total Employees
Jaringan Usaha
166 175 186 193 188
Business Network

.05 .06 .07
Total Pembiayaan Total Pembiayaan

Total Financing Total Financing
Unit | Unit Dalam Rp Juta | In Rp Million
464.928 472.854
6.982.651
6.444.569
355.095 5.790.663
4.140.505
212.657
131.214 2.395.625
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021
Non-Performing Financing Total Aset

NPF (Gross) Total Assets
dalam % | in % Dalam Rp Juta | In Rp Million
8.827.307
2,82 8.271.170
2,70 7.745.732
2,17 5.283.702
1,93
5.151.084
1,42
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021

.01 .02 .03 .04
Total Liabilitas Total Ekuitas

Total Liabilities Total Equity
Dalam Rp Juta | In Rp Million Dalam Rp Juta | In Rp Million
1.370.577
1.333.647
1.171.661 1.213.345
7.655.646
6.900.593 989.812
6.755.920
4.070.357
3.817.437
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021
Total Pendapatan Laba Tahun Berjalan

Total Revenues Income for The Year
Dalam Rp Juta | In Rp Million Dalam Rp Juta | In Rp Million
259.671
2.616.114 2.643.687
215.183
2.154.431
2.000.850 180.665
1.570.983 110.610
57.378
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021

.05 .06 .07
Ikhtisar Saham
Shares Highlights
Pergerakan Harga Saham 2021

Share Price Movement 2021
260
250
240
230
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
Jumlah Saham yang
Periode Beredar Harga Tertinggi Harga Terendah Harga Penutupan Kapitalisasi Pasar
Period Total Outstanding Highest Nominal Lowest Nominal Closing Nominal Market Capitalization
Shares
Triwulan 1
3.481.481.480 276 242 244 849.481.481.120
Quarter 1
Triwulan 2
3.481.481.480 250 226 238 828.592.592.240
Quarter 2
Triwulan 3
3.481.481.480 244 226 234 814.666.666.320
Quarter 3
Triwulan 4
3.481.481.480 268 226 246 856.444.444.080
Quarter 4
2020
Jumlah Saham yang
Periode Beredar Harga Tertinggi Harga Terendah Harga Penutupan Kapitalisasi Pasar
Period Total Outstanding Highest Nominal Lowest Nominal Closing Nominal Market Capitalization
Shares
Triwulan 1
3.481.481.480 314 190 191 664.962.962.680
Quarter 1
Triwulan 2
3.481.481.480 222 183 206 717.185.184.880
Quarter 2
Triwulan 3
3.481.481.480 270 193 206 717.185.184.880
Quarter 3
Triwulan 4
3.481.481.480 298 240 278 967.851.851.440
Quarter 4

.01 .02 .03 .04
Ikhtisar Obligasi
Bonds Highlights
Sisa Hutang Pokok

Obligasi Per Seri yang
Masih Belum Lunas di
Nama Obligasi Seri Tingkat Bunga Tanggal Pencatatan Jatuh Tempo Tahun 2021
Nominal
Bonds Series Coupon Rate Listing Date Maturity Outstanding Principal
of the Bonds Per Series
that has Not Been Paid
off in 2021
Obligasi Berkelanjutan III
31 Mei 2019 29 Mei 2022
Tahap II Tahun 2019 C 9,85% 618.000.000.000 618.000.000.000
May 31, 2019 May 29, 2022
Shelf Bonds III Phase II 2019
29 Mei 2020 28 Mei 2023
Tahap III Tahun 2020 B 9,60% 32.800.000.000 32.800.000.000
May 29, 2020 May 28, 2023
Shelf Bonds III Phase III 2020
11 September 2020 10 September 2023
Tahap IV Tahun 2020 B 9,15% 172.000.000.000 172.000.000.000
September 11, 2020 September 10, 2023
Shelf Bonds III Phase IV 2020
29 Juli 2021 8 Agustus 2022
Obligasi Berkelanjutan IV A 5,50% 302.000.000.000
July 29, 2021 August 8, 2022
Tahap I Tahun 2021 500.000.000.000
Shelf Bonds IV Phase I 2021 29 Juli 2021 28 Juli 2024
B 7,00% 198.000.000.000
July 29, 2021 July 28, 2024
Nama Obligasi Peringkat

Bonds Rating
Obligasi Berkelanjutan III Tahap II Tahun 2019
AA-(idn)
Shelf Bonds III Phase II 2019
Obligasi Berkelanjutan III Tahap III Tahun 2020
AA-(idn)
Shelf Bonds III Phase III 2020
Obligasi Berkelanjutan III Tahap IV Tahun 2020
AA-(idn)
Shelf Bonds III Phase IV 2020
Obligasi Berkelanjutan IV Tahap I Tahun 2021
AA-(idn)
Shelf Bonds IV Phase I 2021

.05 .06 .07
Aksi Korporasi
Corporate Actions
Perseroan melakukan aksi korporasi sebagai salah satu The Company carried out corporate actions to
upaya untuk memperkuat struktur pendanaan jangka strengthen the long-term funding structure and to
panjang dan mendukung pertumbuhan bisnis dengan support business growth by realizing the issuance of
merealisasikan penerbitan Obligasi IV Tahap I sebesar Bond IV Phase I of Rp500 billion. The issuance of this
Rp500 miliar dimana penerbitan aksi korporasi ini corporate action was carried out through the Shelf
dilaksanakan melalui mekanisme Penawaran Umum Public Offering.
Berkelanjutan (PUB).
Penghentian Sementara Perdagangan Saham/

Penghapusan Pencatatan Saham
Suspension/Delisting
Sampai dengan penerbitan Laporan Tahunan Until the publication of 2021 Annual Report, the
2021, Perseroan tidak mengalami atau mendapat Company did not experience or receive any suspension
penghentian sementara dalam perdagangan saham or delisting on the Company’s shares.
ataupun penghapusan pencatatan saham Perseroan.

.01 .02 .03 .04
Peristiwa Penting
Event Highlights
30
Maret
March
Rapat Umum Pemegang Saham Tahunan dan Rapat Umum Pemegang Saham Luar Biasa Sentral Senayan 3,
Annual General Meeting of Shareholders and Extraordinary General Meeting of Shareholders Jakarta
3
November
November
Paparan Publik WOM Finance Altira Office Tower,

WOM Finance Public Expose Jakarta

.05 .06 .07
08Juni
16 Juli
June July
Jakarta Jakarta
Mendapat fasilitas Money Market sebesar Rp200 Penerbitan Obligasi Berkelanjutan IV WOM
miliar dari PT Bank Permata Tbk Finance Tahap I - 2021 sebesar Rp500 miliar
Receive a Money Market facility of Rp200 billion Issuance of Shelf Bonds IV WOM Finance
from PT Bank Permata Tbk Phase I - 2021 totalling Rp500 billion
24
September
26
Oktober
September October
Jakarta Jakarta
Mendapat fasilitas Kredit Modal Kerja 3 sebesar Mendapat fasilitas Pinjaman Tetap 18 sebesar
Rp250 miliar dari PT Bank Mandiri (Persero) Tbk Rp800 miliar dari PT Bank Panin Indonesia Tbk
Receive a 3rd Working Capital Credit facility of Rp250 Receive a 18th Fixed Loan facility of Rp800 billion
billion from PT Bank Mandiri (Persero) Tbk from PT Bank Panin Indonesia Tbk
02
November
29
Desember
November December
Jakarta Jakarta
Mendapat fasilitas Term Loan 3 sebesar Rp300 Mendapat fasilitas Short Term Loan sebesar
miliar dari PT Bank Permata Tbk Rp200 miliar dari PT Bank CTBC Indonesia
Receive a 3rd Term Loan facility of Rp300 billion from Receive a Short Term Loan facility of Rp200 billion
PT Bank Permata Tbk from PT Bank CTBC Indonesia

.02
Laporan Manajemen
Management Reports
Pelaksanaan protokol kesehatan secara ketat di lingkungan Perseroan

dengan tetap fokus pada peningkatan produktivitas dan
didukung infrastruktur digital yang lengkap serta SDM berkualitas
menjadikan pertumbuhan kinerja Perseroan pada tahun 2021
lebih baik dibanding tahun sebelumnya
The Company’s successful in recording a better performance in 2021 is inseparable from the implementation
of strict health protocol and continuous focus on productivity improvement supported by complete digital
infrastructure and excellent HR

.01 .02 .03 .04
I Nyoman Tjager
Presiden Komisaris/Komisaris Independen
President Commissioner/Independent Commissioner

.05 .06 .07
Laporan Dewan Komisaris

Board of Commissioners Report
Pemegang Saham dan Pemangku Kepentingan Yang Dear Shareholders and Stakeholders,
Terhormat,
Dewan Komisaris telah menjalankan fungsi pengawasan The Board of Commissioners has carried out its
atas pengelolaan Perseroan oleh Direksi dengan function of supervising the Company’s management by
pencapaian kinerja tahun 2021 yang bertumbuh the Board of Directors, with the end result being an
lebih baik dibanding tahun sebelumnya. Operasional achievement of better performance in 2021 compared
Perseroan dijalankan dengan protokol kesehatan ketat to the previous year. The Company’s operations were
di tengah pandemi Covid-19 yang masih berlangsung. also conducted with strict health protocols in the midst
of the ongoing Covid-19 pandemic.
Kami menilai keberhasilan Perseroan membukukan In our view Company’s success in posting a positive
kinerja yang positif selama tahun 2021 tidak lepas dari performance throughout 2021 was heavily influenced
pengembangan infrastruktur digital yang didukung by the development of digital infrastructure that was
dengan peningkatan kompetensi SDM. Perseroan juga supported by an increase in HR competency. The Company
memperluas kolaborasi dengan platform aplikasi untuk also expanded its collaboration with application platforms
menjangkau segmen konsumen yang lebih besar. to reach a larger consumer segment.
Arah bisnis Perseroan yang menekankan pada penguatan

infrastruktur digital yang didukung SDM kompeten sangat
tepat dan sesuai dengan dinamika di industri. Perseroan terus
melakukan penyempurnaan implementasi tata kelola untuk
mendukung pertumbuhan usaha yang semakin solid
The Company’s business direction, which highlights the strengthening of
digital infrastructure with the support of competent human resources, is highly relevant and
is in accordance with industry dynamics. The Company always strives to improve
the implementation of governance to support more solid business growth
ANALISIS ATAS KINERJA DIREKSI ANALYSIS OF THE BOARD OF DIRECTORS’

PERFORMANCE
Dalam menjalankan pengelolaan usaha Perseroan, In our view the Board of Directors has stayed true to the
kami menilai Direksi telah mengacu pada Rencana determined Annual Business Plan (RBT) in carrying out the
Bisnis Tahunan (RBT) yang ditentukan. Pada tahun 2021, Company’s business management. In 2021, the Company
Perseroan melanjutkan implementasi Core System baru continued to implement a New Core System that started
yang telah dimulai pada tahun lalu dan peningkatan last year and also improved credit quality through the
kualitas kredit melalui sentralisasi kredit, operasional centralization of credit, operations and through the
dan digitalisasi proses akuisisi. Hal ini berdampak pada digitization of the acquisition process. This resulted in a
menurunnya rasio pembiayaan bermasalah terhadap decrease in the non-performing financing ratio to the
total pembiayaan Perseroan. Company’s total financing.

.01 .02 .03 .04
Secara simultan dengan pengembangan digitalisasi Simultaneously, with the development of service
layanan, Perseroan juga melanjutkan kerja sama dengan digitization, the Company also continued to cooperate
beragam platform aplikasi untuk mempermudah with various application platforms to make payments
konsumen dalam pembayaran. Penggunaan QR Code easier for consumers. The use of QR Codes for
untuk pembayaran merupakan upaya Perseroan dalam payment was part of the Company’s effort to provide
memberikan layanan berkualitas. quality services.
Transformasi digital yang berlanjut sejalan dengan This ongoing digital transformation has proceeded in
peningkatan kompetensi SDM melalui pendidikan line with an increase in HR competence through online
dan pelatihan yang lebih banyak dilakukan secara education and training. In addition, the Company
daring. Selain itu, Perseroan juga terus meningkatkan continued to boost its capital through the issuance of
permodalan baik melalui penerbitan obligasi maupun bonds and loans from banks. In 2021, the Company
pinjaman dari bank. Pada tahun 2021, Perseroan issued Shelf Public Offering IV Phase I WOM Finance
menerbitkan Penawaran Umum Berkelanjutan IV Tahap Bonds of 2021 that was worth Rp500 billion and also
I Obligasi WOM Finance Tahun 2021 senilai Rp500 miliar obtained a bank loan of Rp1.75 trillion.
dan mendapatkan pinjaman bank senilai Rp1,75 triliun.
Kami menilai kinerja Direksi selama tahun 2021 sangat In our view, the Board of Directors’ performance
baik. Perseroan mencatat laba tahun berjalan sebesar throughout 2021 was very good. The Company recorded
Rp110,61 miliar, meningkat sebesar 92,77% dari tahun income for the year of Rp110.61 billion, which increased
2020 senilai Rp57,38 miliar disebabkan berjalannya by 92.77% compared to 2020 of Rp57.38 billion. The
program efisiensi yang menurunkan beban Perseroan increase was due to the implementation of efficiency
disertai dengan meningkatnya kualitas kredit program that suppressed the Company’s expense, along
Perseroan. with an increase in the Company’s credit quality.
PENGAWASAN IMPLEMENTASI STRATEGI USAHA SUPERVISION OF THE COMPANY’S BUSINESS

STRATEGY IMPLEMENTATION
Sebagai bagian dari pelaksanaan tata kelola, Dewan As part of its implementation of corporate governance,
Komisaris telah menjalankan fungsi pengawasan sejak the Board of Commissioners has carried out a supervisory
dari perumusan sampai implementasi strategi usaha function for the Company’s business strategy that went
Perseroan. Fungsi pengawasan dalam perumusan from overseeing the strategy’s formulation to the
dan implementasi strategi bisnis Perseroan dilakukan very implementation of this very same strategy. This
melalui Rapat Dewan Komisaris maupun Rapat supervisory function, which oversees the formulation and
Gabungan Dewan Komisaris dan Direksi. Dalam rapat- implementation of the Company’s business strategy, was
rapat tersebut, Dewan Komisaris menyampaikan arahan carried out through the Board of Commissioners Meetings
dan nasihat kepada Direksi agar dalam mengelola as well as through the Joint Meetings of the Board of
usaha Perseroan sesuai dengan prinsip-prinsip tata Commissioners and the Board of Directors. Through these
kelola perusahaan yang baik. Dewan Komisaris juga meetings, the Board of Commissioners provided direction
menyampaikan target-target yang harus dicapai Direksi and advice to the Board of Directors so that the Company’s
selama tahun berjalan. business was managed in accordance with good corporate
governance principles. The Board of Commissioners also
set the targets that had to be achieved by the Board of
Directors during the current year.
ANALISIS ATAS PROSPEK USAHA ANALYSIS OF BUSINESS PROSPECTS
Dalam prospek usaha Perseroan yang disusun oleh In the Board of Commissioners view the Company’s
Direksi, Dewan Komisaris menilai telah didasarkan pada business prospects compiled by the Board of Directors
kondisi yang objektif dan memerhatikan sumber daya have been based on objectivity and have taken into
dan kapabilitas yang dimiliki Perseroan. Perekonomian account the resources and capabilities of the Company.

.05 .06 .07
Indonesia pada tahun 2022 diprediksi tumbuh lebih Indonesia’s economy in 2022 is predicted to grow higher
tinggi daripada tahun 2021. Hal itu seiring dengan than in 2021. This is in line with increasingly controlled
semakin terkendalinya risiko kesehatan pandemi health risks during the Covid-19 pandemic and the smooth
Covid-19 dan program akselerasi pemulihan ekonomi running of the economic recovery acceleration program
yang berjalan dengan baik. has also contributed to this prediction.
Penguatan digitalisasi akuisisi kredit dan digitalisasi Strengthening the digitization of credit acquisition
pembayaran akan terus dilanjutkan pada masa and payments will continue in the future in accordance
mendatang sesuai dengan tren perubahan perilaku with the changing trend of people’s behavior that
masyarakat yang semakin erat dengan layanan digital. has become increasingly interconnected with digital
Industri jasa pembiayaan semakin terkonsolidasi dalam services. The finance services industry is also increasingly
ekosistem digital yang telah memberikan dampak being consolidated in a digital ecosystem that has had
positif bagi industri dengan meningkatnya efisiensi a positive impact on the industry thanks to increased
dan transparansi serta menghasilkan peluang-peluang efficiency, transparency and thanks to the generating
bisnis yang baru. of new business opportunities.
Usaha Perseroan tetap fokus pada pembiayaan sepeda The Company’s business remains focused on motorcycle
motor dimana pada tahun 2022, Asosiasi Industri Sepeda financing. The Indonesian Motorcycle Industry
Motor Indonesia (AISI) memprediksi peningkatan Association foresees an increase in motorcycle sales of
penjualan sepeda motor sekitar 8% menjadi 5,4 juta around 8% to 5.4 million units in 2022 compared to the
unit dari tahun sebelumnya. Proyeksi penjualan sepeda previous year. This projected increase in motorcycle sales
motor yang meningkat ini merupakan kabar positif is good news for the Company, as most consumers will
bagi Perseroan karena sebagian besar konsumen masih still rely on credit plans in order to own a motorcycle.
mengandalkan skema kredit untuk memiliki kendaraan
bermotor.
PANDANGAN ATAS PENERAPAN WHISTLEBLOWING VIEWS ON IMPLEMENTATION OF WHISTLEBLOWING

SYSTEM SYSTEM
Whistleblowing system (WBS) merupakan sarana The Whistleblowing System (WBS) is a way of reporting
laporan pengaduan fraud dari seluruh karyawan baik fraud complaints from all employees at all branches,
di cabang, unit bisnis maupun kantor pusat. Kebijakan business units and at the head office. This violation
sistem pelaporan pelanggaran tertuang pada Zero reporting system policy is contained within the
Tolerance Policy, Kode Etik dan Pedoman Tingkah Laku Company’s Zero Tolerance Policy, within its Code of
Perusahaan. Ethics and Code of Conduct.
Dewan Komisaris menilai Direksi telah menerapkan In the Board of Commissioners view the Board of
WBS dengan menitikberatkan pada efektivitas Directors has implemented WBS by emphasizing
penerapan sistem pengendalian fraud sesuai dengan the effectiveness of the fraud control system’s
ketentuan. Setiap temuan fraud yang dilaporkan telah implementation in accordance with provisions. Every
ditindaklanjuti sesuai dengan prosedur yang berlaku. instance of reported fraud has been followed up in
accordance with applicable procedures.
Pengawasan Dewan Komisaris terhadap implementasi The Board of Commissioners supervision of the WBS
WBS dilakukan melalui pembahasan dalam Rapat implementation was conducted through discussions
Dewan Komisaris maupun Rapat Gabungan Dewan during the Board of Commissioners Meetings and during
Komisaris dan Direksi. the Joint Meetings of the Board of Commissioners and
the Board of Directors.

.01 .02 .03 .04
PANDANGAN ATAS PENERAPAN TATA KELOLA VIEWS ON GOVERNANCE IMPLEMENTATION

Dalam menjalankan fungsi pengawasan terhadap In carrying out the supervisory function of the
operasional Perseroan, Dewan Komisaris telah Company’s operations, the Board of Commissioners has
memberikan arahan, saran dan nasihat kepada Direksi provided direction and advice to the Board of Directors
agar senantiasa mematuhi prinsip-prinsip tata kelola so that they always comply with good corporate
perusahaan yang baik. Saran dan nasihat yang diberikan governance principles. The Board of Commissioners
Dewan Komisaris kepada Direksi diantaranya tentang suggestions and advice to the Board of Directors include
penyaluran pembiayaan agar dilakukan dengan the implementation of financing distribution by way of
memperhatikan efisiensi dan profitabilitas, penguatan paying attention to efficiency and profitability, capital
permodalan dan inovasi infrastruktur digital. strengthening and digital infrastructure innovation.
Dewan Komisaris menilai seluruh organ GCG baik yang In the Board of Commissioners view all GCG organs,
berada di bawah Dewan Komisaris maupun Direksi telah both under the Board of Commissioners and the Board
menjalankan fungsi, tugas dan tanggung jawabnya of Directors, have carried out their functions, duties and
serta menjalin sinergi yang baik untuk bersama-sama responsibilities well. These organs also have established
mengembangkan usaha Perseroan. good synergy to jointly develop the Company’s business.
PERUBAHAN KOMPOSISI DEWAN KOMISARIS CHANGES IN BOARD OF

COMMISSIONERS’COMPOSITION
Selama tahun 2021, tidak terjadi pergantian susunan Throughout 2021, there were no changes in the
Dewan Komisaris. composition of the Board of Commissioners.
APRESIASI APPRECIATION
Akhir kata, Dewan Komisaris memberikan apresiasi Lastly, the Board of Commissioners would like to
kepada Direksi dan seluruh karyawan Perseroan atas extend its appreciation to the Board of Directors and
kerja keras dan dedikasinya dalam mengembangkan all employees of the Company for their hard work and
usaha Perseroan. Dewan Komisaris juga menyampaikan dedication in developing the Company’s business. The
ucapan terima kasih kepada pemegang saham atas Board of Commissioners would also like to express
kepercayaan dan dukungan yang diberikan sehingga gratitude to shareholders for their trust and support in
Dewan Komisaris dapat menjalankan tugas dan such a way that has allowed the Board of Commissioners
tanggung jawabnya dengan baik. to also carry out its duties and responsibilities in
equal measures.
Jakarta, 2 Maret 2022

Jakarta, March 2, 2022
Atas Nama Dewan Komisaris

On behalf of the Board of Commissioners
I Nyoman Tjager

.05 .06 .07
Dewan Komisaris
Board of Commissioners
Robbyanto Budiman I Nyoman Tjager Thilagavathy Nadason

Wakil Presiden Komisaris
Presiden Komisaris/ Komisaris
Vice President Commissioner
Komisaris Independen Commisioner
President Commissioner/
Independent Commissioner
Myrnie Zachraini Tamin Garibaldi Thohir

Komisaris Independen Komisaris
Independent Commissioner Commisioner

.01 .02 .03 .04
Djaja Suryanto Sutandar

Presiden Direktur
President Director

.05 .06 .07
Laporan Direksi
Board of Directors Report
Pemegang Saham dan Pemangku Kepentingan Yang Dear Shareholders and Stakeholders,
Terhormat,
Perseroan menutup tahun 2021, di tengah pandemi The Company ended the year 2021 with better
Covid-19 yang belum usai, dengan pencapaian kinerja operational and financial performance compared to
operasional dan finansial yang lebih baik dibanding last year. It did all of this amidst the ongoing Covid-19
tahun sebelumnya. Pencapaian kinerja positif itu pandemic. Achievement of this positive performance is
mencerminkan keberhasilan Perseroan dalam a reflection of the Company’s success in managing its
mengelola bisnisnya untuk memberikan nilai tambah business to provide added value to shareholders.
bagi para pemegang saham.
Setelah mengimplementasikan Core System baru After implementing the new Core System supported
dengan dukungan new mobile survey dan new mobile by new mobile survey and new mobile collection
collection secara nasional pada tahun buku lalu, throughout Indonesia last year, the Company continues
Perseroan terus melanjutkan trasformasi digital agar to develop digital transformation for more effective
layanan semakin efektif dan efisien. and efficient services.
Transformasi digital dalam proses bisnis, pemasaran produk

dan sistem pembayaran yang terus dikembangkan
oleh Perseroan berdampak pada kualitas pembiayaan yang
semakin baik dan meningkatnya kinerja operasional dan
keuangan pada tahun 2021
The digital transformations in business activities, product marketing and payment systems that
the Company has continuously worked to develop has had an impact that has led to better
financing quality and improved operational and financial performance in 2021
Perseroan terus mengembangkan kerja sama dengan The Company continues to cooperate with digital
platform-platform aplikasi digital untuk menjangkau application platforms to reach wider consumer targets,
target konsumen yang lebih luas baik dalam both in product marketing and in the provision of easy
pemasaran produk maupun memberikan kemudahan payment systems through electronic services such as QR
sistem pembayaran melalui layanan elektronik seperti Code-based payments.
pembayaran berbasis QR Code.
Sejalan dengan pengembangan digitalisasi akuisisi dan In line with the development of digitalized acquisition
pembayaran digital, Perseroan senantiasa meningkatkan and digital payment, the Company is always working
kualitas sumber daya manusia untuk mendukung layanan to improve its quality of human resources to support
yang berkualitas melalui penyelenggaraan pelatihan- excellent services through the implementation of
pelatihan yang dilakukan secara daring maupun luring. online and offline training.

.01 .02 .03 .04
Perseroan terus memperkuat permodalan untuk The Company continued to strengthen its capital
mendukung rencana bisnis dengan menerbitkan to support its business plan by issuing a Shelf Public
Penawaran Umum Berkelanjutan IV Tahap I Obligasi Offering IV Phase I WOM Finance Bonds Year 2021
WOM Finance Tahun 2021 senilai Rp500 miliar dan worth Rp500 billion and obtaining loans worth Rp1.75
mendapatkan pinjaman senilai Rp1,75 triliun dari trillion from banks.
perbankan.
KONDISI MAKRO EKONOMI DAN INDUSTRI MACRO ECONOMIC AND INDUSTRIAL CONDITIONS
Perekonomian global pada tahun 2021 diprediksi tumbuh The global economy in 2021 was estimated to have
lebih tinggi dibanding tahun sebelumnya. IMF merilis grown more than it did the previous year. The IMF
proyeksi pertumbuhan ekonomi dunia pada tahun released a projection of world economic growth for
2021 sebesar 5,9%. Seluruh perekonomian kawasan 2021 at 5.9%. The economy in all regions worldwide
mengalami peningkatan. Optimisme perekonomian improved. This optimism was reflected by an increase
global ditandai dengan meningkatnya indeks manufaktur in world manufacturing index at an expansionary
dunia pada level ekspansif dan peningkatan volume dan level and an increase in the volume and value of trade
nilai perdagangan antar negara. between countries.
Sementara Organization for Economic Co-operation Meanwhile, the Organization for Economic Co-
and Development (OECD) memperkirakan ekonomi operation and Development (OECD) estimated that
dunia tahun 2021 akan tumbuh sebesar 5,7%. Meski the world economy in 2021 grew by 5.7%. Despite its
optimis, dua lembaga dunia itu memberi catatan positive outlook, both the IMF and OECD noted that
bahwa perekonomian global masih dibayangi risiko the global economy still had uncertainty risks due
ketidakpastian karena mutasi varian Covid-19 yang to the mutation of Covid-19 variants that can cause
dapat menimbulkan disrupsi suplai global. disruptions to global supplies.
Perekonomian Indonesia pada tahun 2021 tumbuh Indonesia’s economy in 2021 grew higher than the
lebih besar dari tahun sebelumnya. Badan Pusat previous year. Central Organization of Statistic (BPS)
Statistik (BPS) merilis pertumbuhan ekonomi Indonesia released numbers indicating Indonesian economic
di tahun 2021 sebesar 3,69%, lebih tinggi dari tahun growth of 3.69% in 2021, higher than the previous
2020 yang terkontraksi minus 2,07%. Konsumsi rumah year that was contracting to minus 2.07%. Households
tangga dan investasi berkontribusi sebesar 85,23% consumption and investment contributed 85.23% of
terhadap pertumbuhan ekonomi di tahun 2021. the total growth in 2021.
Berdasarkan lapangan usaha, sebesar 64,92% Based on sectors, Industry, Agriculture, Trade,
PDB Tahun 2021 berasal dari Industri, Pertanian, Construction and Mining contributed 64.92% of GDP in
Perdagangan, Konstruksi dan Pertambangan. Industri 2021. The manufacturing industry grew 3.39% driven by
pengolahan tumbuh 3,39% didorong oleh produksi car production growing 62.56%, motorcycle production
mobil tumbuh 62,56%, produksi motor tumbuh 34,41% grew 34.41% and cement production grew 7.04%.
dan produksi semen tumbuh 7,04%. Sementara sektor Meanwhile, the transportation and warehousing sector
transportasi dan pergudangan tumbuh sebesar 3,24% grew by 3.24% due to an increase in the volume of
yang disebabkan kenaikan volume barang domestik domestic goods as well as exports and imports.
maupun ekspor dan impor.

.05 .06 .07
Selaras dengan perekonomian yang membaik, laju In line with this economic recovery, the annual inflation
inflasi tahunan berada di level terkendali diprediksi rate at a controlled level was predicted to be 1.64%. The
sebesar 1,64%. Nilai tukar rupiah bergerak stabil rupiah exchange rate was stable against the US dollar,
terhadap mata uang dollar AS di kisaran Rp14.200. at around Rp14,200. Meanwhile, the Government had
Sementara cadangan devisa juga cukup besar dan pretty high foreign exchange reserves to deal with
dinilai cukup memadai untuk menghadapi guncangan external distress.
eksternal.
Di industri sepeda motor, Asosiasi Industri Sepeda In the motorcycle industry, the Indonesian Motorcycle
Motor Indonesia (AISI) merilis penjualan sepeda Industry Association (AISI) released motorcycle sales in
motor di tahun 2021 sebesar 5,1 juta unit, meningkat 2021 at 5.1 million units, an increase of 38.2% from 3.7
sebesar 38,2% dari tahun 2020 sebesar 3,7 juta unit. million units in 2020. This increase in motorcycle sales
Peningkatan penjualan sepeda motor ini berdampak has a positive impact on the financing industry because
positif terhadap industri pembiayaan karena it is one of the largest financing sectors for finance
merupakan salah satu sektor terbesar yang dibiayai companies in Indonesia.
oleh perusahaan pembiayaan di Indonesia.
Di industri pembiayaan, data Otoritas Jasa Keuangan In the financing industry, data from the Financial
(OJK) tahun 2021 menyebutkan total piutang neto Services Authority (OJK) in 2021 stated that total net
sebesar Rp364,2 triliun, turun 1,5% dari tahun 2020 receivables was Rp364.2 trillion, decreased by 1.5%
sebesar Rp369,8 triliun. Penurunan ini masih wajar from 2020 of Rp369.8 trillion. This was a reasonable
karena adanya pandemi Covid-19. decrease due to the Covid-19 pandemic.
ANALISA KINERJA PERUSAHAAN COMPANY PERFORMANCE ANALYSIS
Transformasi digital yang terus berlanjut dengan The ongoing digital transformation based on a new
basis Core System baru yang didukung new mobile Core System supported by new mobile surveys and new
survey dan new mobile collection menjadikan proses mobile collections has made the Company’s business
bisnis Perseroan lebih efektif, efisien dan berkualitas. processes more effective, efficient and high quality.
Selain itu, identifikasi biometrik berdasarkan e-KTP In addition, biometric identification based on the e-ID
hasil kerjasama Perseroan dengan Direktorat Jenderal system was the result of collaboration between the
Kependudukan dan Catatan Sipil Kementerian Dalam Company and the Directorate General of Population
Negeri yang dirintis sejak dua tahun silam terus and Civil Registration of the Ministry of Internal Affairs.
berlanjut sehingga berdampak pada kecepatan akuisisi Initiated two years ago, this technology continues to
kredit dan membaiknya kualitas pembiayaan. have an impact on the speed of credit acquisition and
on improving the quality of financing.
Untuk memperluas saluran distribusi pemasaran dan To expand its marketing distribution channels and
kemudahan pembayaran oleh konsumen, Perseroan provide better ease of payment for consumers, the
melanjutkan kerja sama dengan berbagai platform Company constantly cooperated with various well-
aplikasi yang sudah dikenal oleh masyarakat. Terbaru, known application platforms. Most recently, consumers
konsumen dapat melakukan pembayaran angsuran can now make financing installment payments using a
pembiayaan dengan menggunakan QR Code. QR Code.

.01 .02 .03 .04
Pengembangan infrastruktur digital dilakukan The development of digital infrastructure was carried
bersamaan dengan peningkatan kualitas sumber daya out along with improved quality of human resources to
manusia untuk menghadirkan layanan prima kepada provide excellent services to consumers. The Company
konsumen. Perseroan secara regular menyelenggarakan regularly organized training to further improve its HR
pelatihan untuk semakin meningkatkan kompetensi competence in every required aspect. The Company
SDM dalam setiap aspek yang dibutuhkan. Sebagai also adjusted to the conditions of the current Covid-19
adaptasi terhadap pandemi Covid-19 yang masih pandemic by conducting all this training online.
berlangsung, pelatihan dilakukan secara daring.
Untuk mendukung rencana bisnis yang telah disiapkan, To further support its business plan, the Company
Perseroan memperkuat permodalan melalui Penawaran strengthened its capital through the Shelf Public
Umum Berkelanjutan IV Tahap I Obligasi WOM Finance Offering IV Phase I WOM Finance Bonds Year 2021,
Tahun 2021 senilai Rp500 miliar. Perseroan juga which was worth Rp500 billion. The Company also
mendapatkan pinjaman dari perbankan dengan nilai obtained a total of Rp1.75 trillion in loans from banks.
total sebesar Rp1,75 triliun.
Transformasi digital yang didukung dengan SDM All of this digital transformation supported by
kompeten dan permodalan yang memadai berdampak competent human resources and adequate capital
terhadap kinerja Perseroan. Per Desember 2021, has had an impact on the Company’s performance.
pembiayaan yang disalurkan sebesar Rp4,14 triliun, As of December 2021, disbursed financing was Rp4.14
naik sebesar 72,84% dari tahun 2020 senilai Rp2,40 trillion, an increase of 72.84% from the disbursed
triliun. Laba tahun berjalan tercatat sebesar Rp110,61 financing of Rp2.40 trillion in 2020. Income for the year
miliar, meningkat sebesar 92,77% dari tahun 2020 was recorded at Rp110.61 billion, an increase of 92.77%
senilai Rp57,38 miliar. or Rp57.38 billion from 2020.
Dari sisi unit pembiayaan, Perseroan telah menyalurkan In terms of financing units, the Company disbursed
pembiayaan sebanyak 213 ribu unit, meningkat financing for 213 thousand units, an increase of
sebesar 62,07% dari tahun 2020 sebanyak 131 ribu unit 62.07% from 131 thousand units of motor vehicle units
kendaraan bermotor. from 2020.
PERANAN DIREKSI DALAM PERUMUSAN STRATEGI BOARD OF DIRECTORS ROLE IN STRATEGY

DAN KEBIJAKAN STRATEGIS FORMULATION AND STRATEGIC POLICIES
Perseroan sebagai salah satu perusahaan pembiayaan As one of the leading financing companies in
ternama di Indonesia memiliki mekanisme internal Indonesia, the Company has an internal mechanism for
dalam menyusun strategi dan kebijakan strategis yang formulating strategies and strategic policies. Through its
dilakukan. Melalui Rencana Bisnis Tahunan (RBT) yang Corporate Annual Business Plan (RBT) conducted prior
dilakukan sebelum tahun berjalan, Direksi mengusulkan to the current year, the Board of Directors proposed a
strategi dan kebijakan yang akan dilakukan oleh list of strategies and policies that the Company was to
Perseroan. Penetapan target-target yang akan dicapai carry out. The mechanism was also used to determine
juga diputuskan dalam mekanisme tersebut. Hasil-hasil Company targets. The RBT results were recorded in
penetapan RBT dinotulensikan dalam dokumen tertulis a written document and were distributed to each
yang kemudian dibagikan kepada masing-masing unit work unit.
kerja.

.05 .06 .07
Selanjutnya, Direksi melakukan kontrol untuk Furthermore, the Board of Directors carried out controls
memastikan implementasi strategi dan kebijakan to ensure the implementation of strategies and strategic
strategis yang dijalankan melalui Rapat dengan unit policies through meetings with related units, through
terkait, Rapat Direksi maupun Rapat Gabungan Direksi Board of Directors meetings and through Joint Meetings
dan Dewan Komisaris. Hasil rapat telah dinotulensikan of the Board of Directors and Board of Commissioners.
dan menjadi dokumen internal Perseroan. The meeting results have been recorded and have become
part of the Company’s internal documents.
PERBANDINGAN ANTARA HASIL DAN TARGET COMPARISON BETWEEN RESULTS AND TARGETS
Secara umum, kinerja pada tahun 2021 lebih baik In general, performance in 2021 was better than the
dibanding tahun sebelumnya, meski belum mencapai previous year despite being off-target. The following
yang ditargetkan. Berikut target dan realisasi pada table contains the Company’s targets and the realization
tahun 2021: of these targets in 2021:
dalam Rp Juta | in Rp Million
2021
Uraian Pencapaian
Description Target Realisasi Achievement (%)
Target Realization
Pendapatan
1.615.210 1.570.983 97,26
Revenue
Beban
1.493.542 1.415.739 94,79
Expenses
Pembiayaan
4.391.675 4.140.505 94,28
Financing
Aset
5.183.984. 5.151.084 99,37
Assets
Liabilitas
3.930.378 3,817.437 97,13
Liabilities
Ekuitas
1.253.606 1.333.647 106,38
Equity
Laba Tahun Berjalan
89.297 110.610 123,87
Income for the Year
KENDALA YANG DIHADAPI DAN CARA PENYELESAIAN CONSTRAINTS AND SOLUTIONS
Dalam mengelola bisnis Perseroan menghadapi In managing its business, the Company has faced
kendala yang bersifat eksternal dan internal. Dari numerous external and internal constraints. From the
sisi eksternal, pandemi Covid-19 saat ini membatasi external side of things, the current Covid-19 pandemic
mobilitas masyarakat terutama saat penerapan PPKM has limited people’s mobility, especially during the
Darurat. Hal ini berdampak pada operasional dan government’s implementation of emergency public
kinerja pembiayaan Perseroan. Untuk mengatasinya, activity restrictions. This has had an impact on the
Perseroan menggencarkan penjualan melalui layanan Company’s operations and financial performance. To
digital dan bekerja sama dengan platform aplikasi. overcome these issues, the Company intensified sales
Perseroan melaksanakan program Work From Home through digital services and cooperated with application
(WFH) yang telah dimulai sejak tahun sebelumnya. platforms. The Company has also implemented a Work
From Home (WFH) system since the previous year.

.01 .02 .03 .04
Untuk mengatasi kendala kompetensi SDM, Perseroan To overcome constraints in HR competency, the Company
terus meningkatkan kualitas SDM untuk membentuk continuously worked to improve its HR quality to form
super team yang dapat menghadirkan layanan prima super teams that could provide excellent service to
kepada konsumen. consumers.
PROSPEK USAHA BUSINESS PROSPECTS
Perekonomian Indonesia pada tahun 2022 As for 2022, the Indonesian economy in is projected
diperkirakan akan tumbuh lebih tinggi dibanding to grow higher than it did the previous year. The
tahun sebelumnya. Pemerintah menargetkan government has set a target for Indonesian economic
pertumbuhan ekonomi Indonesia tahun 2022 sebesar growth in 2022 to be between 5.2% and 5.5%, with
5,2%-5,5%, inflasi sebesar 3% dan nilai tukar rupiah inflation at 3% and a rupiah exchange rate of Rp14,350
sebesar Rp14.350/1US$. Sementara Bank Indonesia per 1US$. Meanwhile, Bank Indonesia has predicted
memprakirakan pertumbuhan ekonomi Indonesia that Indonesia’s economic growth in 2022 will reach
pada tahun 2022 akan mencapai 4,7%-5,5%. Sumber between 4.7% and 5.5%. The growth will come from
pertumbuhan berasal dari tetap terjaganya kinerja well-maintained exports and higher domestic demand
ekspor dan meningkatnya permintaan domestik dari from greater consumption and investment. Vaccine
kenaikan konsumsi dan investasi. Hal ini didukung rollouts, the opening of economic sectors and stimulus
vaksinasi, pembukaan sektor ekonomi dan stimulus policy will all help to support this growth.
kebijakan.
Sejalan dengan ekspektasi makro ekonomi yang In line with expectations of an improving macro
membaik, AISI memprediksi penjualan sepeda motor economy, AISI predicts that motorcycle sales will
meningkat menjadi 5,4 juta unit pada tahun 2022, lebih increase to 5.4 million units in 2022, a number higher
tinggi dari tahun 2021 sebanyak 5,1 juta unit. Proyeksi than the 5.1 million units sold in 2021. This projected
peningkatan penjualan sepeda motor ini merupakan increase in motorcycle sales is an opportunity for the
peluang untuk bertumbuhnya usaha Perseroan. Untuk Company’s business growth. Towars this end, the
itu, Perseroan telah menyiapkan beragam upaya untuk Company has prepared various efforts to optimize its
mengoptimalkan peluang pertumbuhan pembiayaan growth opportunities for motorcycle financing and to
sepeda motor dan meningkatkan pembiayaan increase multipurpose financing.
multiguna.
Pada tahun 2022, Perseroan akan terus memperkuat In 2022, the Company will continue to strengthen its
digitalisasi proses akuisisi, pembayaran digital digitization of its acquisition process, its digital payments
dan pengembangan aplikasi Kawan. Peningkatan and its development of Kawan apps. The Company will
produktivitas dan efektivitas tenaga pemasaran dan also increase its productivity and the effectiveness of
penagihan untuk menghasilkan kualitas portofolio its marketing and collection employees to produce an
yang semakin bertumbuh dan sehat juga akan outstanding, growing and healthy portfolio.
dilakukan oleh Perseroan.
Dalam aspek operasional, Perseroan akan menekankan In the operational side, the Company will emphasize
kegiatan operasional secara virtual baik dalam the conducting of virtual operational activities,
penyelenggaraan rapat, training maupun sosialisasi whether it involves meetings, training activities or
untuk kemudahan koordinasi dan efisiensi biaya. dissemination sessions for ease of coordination and
higher cost efficiency.

.05 .06 .07
PRAKTIK TERBAIK TATA KELOLA PERUSAHAAN BEST PRACTICES FOR CORPORATE GOVERNANCE
Perseroan telah menjalankan tata kelola perusahaan The Company has implemented Good Corporate
yang baik (Good Corporate Governance) dengan Governance through its focus on strengthening risk
berfokus pada penguatan manajemen risiko sesuai management in accordance with its Risk Management
dengan Pedoman Penerapan Manajemen Risiko. Dalam Implementation Guidelines. In implementing risk
penerapan manajemen risiko, Perseroan merumuskan management, the Company has formulated its risk
risk appetite, kebijakan, prosedur dan penetapan limit appetite, as well as policies, procedures and methods of
risiko perusahaan sebagai upaya meningkatkan nilai determining the company’s risk limits to increase value
bagi para pemegang saham. for shareholders.
Organ-organ Perseroan yang meliputi Dewan The Company’s organs that consist of the Board of
Komisaris, Dewan Pengawas Syariah dan Direksi Commissioners, the Sharia Supervisory Board and the
menunjukkan hubungan kerja yang harmonis sesuai Board of Directors all demonstrated a harmonious
dengan kewenangan, fungsi dan tugas masing-masing relationship in accordance with their respective
serta membangun sinergi untuk secara bersama-sama authorities, functions and duties. Furthermore, they also
mengembangkan usaha Perseroan. synergized to jointly develop the Company’s business.
Untuk fungsi pengawasan dan pengelolaan risiko For the supervisory and risk management functions
perusahaan, Dewan Komisaris dan Direksi terlibat aktif of the company, the Board of Commissioners and the
dalam pelaksanaan tugas Risk Oversight Committee Board of Directors were actively involved in carrying out
dan Risk Management Committee. Perseroan menilai the tasks of the Risk Oversight Committee and the Risk
pelaksanaan Sistem Pengendalian Internal dan Management Committee. In the Company’s view that
Manajemen Risiko telah berjalan dengan baik untuk the implementation of Internal Control Systems and
memastikan operasional perusahaan dijalankan sesuai Risk Management have done well to ensure that the
dengan prinsip-prinsip GCG. company’s operations were carried out in accordance
with GCG principles.
PENILAIAN KINERJA DIBAWAH KOMITE DIREKSI BOARD OF DIRECTORS COMMITTEE ASSESSMENTS
Direksi memiliki satuan kerja atau Komite yang secara The Board of Directors supervises work units or committees
struktural berada dibawahnya yaitu Komite Manajemen that work under it, namely the Risk Management
Risiko, Komite Produk dan Pengembangan Kegiatan Committee, Product and Sharia Business Development
Usaha Syariah, Komite Pengarah Teknologi Informasi, Committee, Information Technology Steering Committee,
Sekretaris Perusahaan, Internal Audit Division, Legal Corporate Secretary, Internal Audit Division, Legal Counsel
Counsel Division (Unit Kerja yang didalamnya terdapat Division (Work Unit in which the Compliance function is
fungsi Kepatuhan) dan Risk Management Division. included) and Risk Management Division. These seven
Ketujuh organ ini memiliki tugas dan fungsi yang berbeda organs have different duties and functions to support the
untuk mendukung kelancaran tugas Direksi. smooth functioning of the Board of Directors.
Selama tahun 2021, kami menilai ketujuh organ In our view that throughout 2021, the seven organs
dibawah Direksi tersebut telah menjalankan tugas dan under the Board of Directors carried out their duties
fungsinya dengan baik dan sangat memuaskan sehingga and functions well in facilitating the execution of the
memperlancar tugas yang diemban oleh Direksi. Board of Directors’ duties.

.01 .02 .03 .04
APRESIASI APPRECIATION
Akhir kata, mewakili Direksi kami mengucapkan terima At last, on behalf of the Board of Directors, we
kasih kepada seluruh jajaran manajemen dan karyawan would like to thank all members of management and
atas dedikasi dan kerja keras yang telah ditunjukan employees for their dedication and hard work that
sehingga Perseroan dapat melalui tahun 2021 dengan enabled the Company to proceed through 2021 with
pencapaian kinerja yang lebih baik. better performance.
Kami juga menyampaikan terima kasih kepada Dewan We would like to express our gratitude to the Board
Komisaris atas arahan yang diberikan sehingga Direksi of Commissioners for the guidance they have provided
dapat menjalankan tugas pengelolaan Perseroan for the Board of Directors so that it can adequately
dengan baik. Kami juga mengucapkan terima kasih carry out its duties in the Company management. We
dan apresiasi atas kerjasama yang telah terjalin kepada also would like to thank and show appreciation for the
pemegang saham, investor, regulator, konsumen dan shareholders, investors, regulators, consumers and all of
seluruh mitra usaha Perseroan. the Company’s business partners for their cooperation.
Kami berharap kerja sama dengan sinergi yang May this harmonious cooperation with all parties grow
telah terjalin dengan semua pihak dapat semakin further for the future ahead.
ditingkatkan pada masa mendatang.

Atas Nama Direksi

On behalf of the Board of Directors

Presiden Direktur
President Director

.05 .06 .07
Direksi
Board of Directors
Djaja Suryanto Sutandar Wibowo

Presiden Direktur Direktur
President Director Director
Anthony Yuarez Panggabean Njauw Vido Onadi

Direktur Direktur
Director Director

.01 .02 .03 .04
Dr. H. Abdul Jabar Majid, MA

Ketua
Chairman

.05 .06 .07
Laporan Dewan Pengawas Syariah

Sharia Supervisory Board Report
Bismillahirrahmanirrahim, Bismillahirrahmanirrahim,
Assalamualaikum Warahmatullahi Wabarakatuh Assalamualaikum Warahmatullahi Wabarakatuh
Puji syukur kami panjatkan ke hadirat Allah SWT yang In this occasion, we would like to thank the God Almighty
telah memberikan banyak nikmat dan karunia kepada because through His grace, the Company was able to get
kita semua. Syukur alhamdulillah, Perseroan dapat through 2021 with various positive achievements despite
melalui tahun 2021 dengan sejumlah pencapaian being faced with the Covid-19 pandemic situation.
yang positif meski dihadapkan pada situasi pandemi
Covid-19.
Izinkan saya, mewakili Dewan Pengawas Syariah (DPS) Allow me, on behalf of the Sharia Supervisory Board
menyampaikan laporan pelaksanaan pengawasan atas (DPS) to submit a report on the implementation of
pemenuhan prinsip syariah dalam produk berakad supervision on the fulfillment of sharia principles in
murabahah yang dilakukan oleh Perseroan selama murabahah products carried out by the Company
tahun 2021. during 2021.
Dewan Pengawas Syariah (DPS) paling sedikit mempunyai

tugas dan wewenang untuk memberikan nasihat dan saran
kepada Direksi, mengawasi aspek syariah kegiatan operasional
Perusahaan Pembiayaan Syariah atau Unit Usaha Syariah
(UUS) agar sesuai dengan Prinsip Syariah
The Sharia Supervisory Board (DPS) has at least the duty and authority to provide advice and
suggestions to the Board of Directors, oversee the sharia aspects of the operational activities
of Sharia Financing Companies or Sharia Business Units (UUS) to comply
with Sharia Principles
PELAKSANAAN KEGIATAN DEWAN PENGAWAS IMPLEMENTATION OF SHARIA SUPERVISORY BOARD

SYARIAH TAHUN 2021 ACTIVITIES IN 2021
Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor Based on Financial Services Authority Regulation Number
29/POJK.05/2020 Tentang Perubahan Atas Peraturan 29/POJK.05/2020 concerning Amendments to Financial
Otoritas Jasa Keuangan Nomor 30/POJK.05/2014 Services Authority Regulation Number 30/POJK.05/2014
Tentang Tata Kelola Perusahaan Yang Baik Bagi concerning Good Corporate Governance for Financing
Perusahaan Pembiayaan, Pasal 33 ayat 1, Dewan Companies, Article 33 paragraph 1, the Sharia Supervisory
Pengawas Syariah (DPS) paling sedikit mempunyai tugas Board (DPS) at least has the duty and authority to
dan wewenang untuk memberikan nasihat dan saran provide advice and suggestions to the Board of Directors,
kepada Direksi, mengawasi aspek syariah kegiatan overseeing the sharia aspects of the operational activities
operasional Perusahaan Pembiayaan Syariah atau Unit of a Sharia Financing Company or Sharia Business Unit
Usaha Syariah (UUS) agar sesuai dengan Prinsip Syariah. (UUS) in order to comply with Sharia Principles.

.01 .02 .03 .04
Mengacu kepada POJK tersebut, DPS melaksanakan Referring to the POJK, DPS carries out its duties and
tugas dan wewenangnya dengan menilai dan authorities by assessing and ensuring compliance with
memastikan pemenuhan prinsip syariah atas produk sharia principles for the products issued by the Company,
yang dikeluarkan Perseroan, mengawasi proses supervising the process of developing new Company’s
pengembangan produk baru Perseroan agar sesuai products in accordance with the fatwa of the National
dengan fatwa Dewan Syariah Nasional Majelis Ulama Sharia Council of the Indonesian Ulema Council (DSN-
Indonesia (DSN-MUI), serta melakukan review secara MUI), as well as conducting periodic reviews for the
berkala atas pemenuhan prinsip syariah terhadap akad fulfillment of sharia principles to the financing contracts
pembiayaan produk syariah yang dikeluarkan oleh of sharia product issued by the Company.
Perseroan.
Dalam melaksanakan fungsi pengawasan, DPS In carrying out its supervisory function, DPS always
senantiasa mengikuti perkembangan bisnis Perseroan, follows the Company’s business developments, ensures
memastikan dan mengawasi pemenuhan prinsip- and supervises the fulfillment of sharia principles in
prinsip syariah pada produk-produk berakad syariah. products with sharia contracts.
Pengawasan terhadap kegiatan Perseroan pada tahun Supervision of the Company’s activities in 2021 included
2021, diantaranya mencakup aktivitas berikut: the following activities:
1. Menyelenggarakan rapat DPS yang dihadiri oleh 1. Organizing DPS meetings with the attendance
anggota DPS dan perwakilan dari Unit Usaha of DPS members and representatives from the
Syariah Perseroan serta unit kerja terkait secara Company’s Sharia Business Units and related work
berkala minimal 6 kali dalam 1 tahun. units on a regular basis at least six times in one year.
2. Melakukan pengawasan terhadap proses 2. Supervising the process of developing sharia
pengembangan produk pembiayaan syariah atau financing products or new activities related to the
aktivitas baru terkait pembiayaan syariah Perseroan. Company’s sharia financing.
3. Memberikan pendapat syariah atas kegiatan 3. Providing sharia opinion on the distribution of
penyaluran pembiayaan berakad murabahah. Pada murabahah financing activities. In 2021, DPS
tahun 2021, DPS memberikan pendapat syariah provide a sharia opinion on the launch of the
atas peluncuran produk Pembiayaan Syariah Logam Precious Metals Sharia Financing product “MasKu”.
Mulia “MasKu”.
4. Melakukan sosialisasi Fatwa DSN-MUI dalam rapat 4. Disseminating the DSN-MUI Fatwa in meetings
maupun diskusi. and discussions.
Berdasarkan hasil pengawasan yang telah dilakukan Based on the results of supervision carried out by the
oleh DPS selama tahun 2021, secara umum seluruh DPS during 2021, in general, all of the Company’s
produk Perseroan yang berakad murabahah sudah products with murabahah contracts have complied with
memenuhi prinsip syariah dan telah mengikuti sharia principles and have complied with the provisions
ketentuan yang dikeluarkan oleh DSN-MUI. issued by DSN-MUI.
DPS juga mendukung sepenuhnya upaya-upaya DPS also fully supports the efforts of the Company’s
manajemen Perseroan untuk melakukan penguatan management to strengthen the principles of good
terhadap prinsip-prinsip tata kelola perusahaan yang corporate governance so that the Company’s business
baik agar usaha Perseroan semakin berkembang will develop well in the future.
dengan baik pada masa mendatang.

.05 .06 .07
PERUBAHAN KOMPOSISI ANGGOTA DEWAN CHANGES IN THE COMPOSITION OF THE MEMBERS

PENGAWAS SYARIAH 2021 OF THE SHARIA SUPERVISORY BOARD 2021
Pada tahun 2021, Perseroan tidak melakukan In 2021, the Company will not make changes to the
perubahan komposisi DPS. Per 31 Desember 2021, composition of the DPS. As of December 31, 2021, the
susunan DPS Perseroan adalah sebagai berikut: composition of the Company’s DPS is as follows:
Ketua : Dr. H. Abdul Jabar Majid, MA Chairman : Dr. H. Abdul Jabar Majid, MA
Anggota : H. Muh. Taufik Darmansyah, SE, CPA Member : H. Muh. Taufik Darmansyah, SE, CPA
Anggota : Dr. Ir. H. M. Nadratuzzaman Hosen Member : Dr. Ir. H. M. Nadratuzzaman Hosen

APRESIASI DAN PENUTUP APPRECIATION AND CLOSING
Segala puji bagi Allah yang telah memberi kami kekuatan Praise be to Allah who has given us the strength so
sehingga bisa menyampaikan laporan pelaksanaan that we can submit a supervision report of sharia
pengawasan terhadap prinsip syariah dalam produk principles implementation in murabahah products
berakad murabahah di Perseroan. Kami mengucapkan in the Company. We would like to thank the Board
terima kasih kepada Dewan Komisaris dan Direksi of Commissioners and the Board of Directors for the
atas sinergi yang telah berjalan baik selama ini. DPS synergy that has been going well so far. DPS appreciates
mengapresiasi komitmen Manajemen Perseroan dalam the commitment of the Company’s Management in its
upaya untuk terus menyempurnakan pelaksanaan tata efforts to continuously improve the implementation of
kelola perusahaan yang baik di Perseroan. good corporate governance in the Company.
Wassalamualaikum Warahmatullahi Wabarakatuh Wassalamualaikum Warahmatullahi Wabarakatuh

Atas Nama Dewan Pengawas Syariah

On behalf of Sharia Supervisory Board

Ketua
Chairman

.01 .02 .03 .04
Dewan Pengawas Syariah

Dr. Ir. H. M. Nadratuzzaman Hosen H. Muh. Taufik Darmansyah, SE, CPA

Anggota Anggota
Member Member

Ketua
Chairman

.05 .06 .07
Halaman ini sengaja dikosongkan

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Laporan Tahunan - Laporan Keberlanjutan 2021 Annual

Laporan
Report Tahunan ReportKeberlanjutan 2021 Annual Report - Sustainability Report
- Laporan
- Sustainability
PT Wahana Ottomitra Multiartha Tbk PT Wahana Ottomitra Multiartha Tbk 43
.01 .02 .03 .04
Surat Pernyataan Anggota Dewan Komisaris

tentang Tanggung Jawab atas
Laporan Tahunan dan Laporan Keberlanjutan
PT Wahana Ottomitra Multiartha Tbk Tahun 2021
Board of Commissioners Statements regarding Responsibility for 2021 Annual Report
and Sustainability Report of PT Wahana Ottomitra Multiartha Tbk
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned, hereby declare that all information
bahwa semua informasi dalam Laporan Tahunan dan in the Annual Report and Sustainability Report of PT
Laporan Keberlanjutan PT Wahana Ottomitra Multiartha Wahana Ottomitra Multiartha Tbk for 2021 fiscal year
Tbk Tahun 2021 telah dimuat secara lengkap dan has been presented comprehensively. Therefore, we are
bertanggung jawab penuh atas kebenaran isi Laporan fully responsible for the accountability of the contents
Tahunan dan Laporan Keberlanjutan Perusahaan. of these Annual Report and Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.

Dewan Komisaris
I NYOMAN TJAGER

ROBBYANTO BUDIMAN GARIBALDI THOHIR
Wakil Presiden Komisaris Komisaris

Vice President Commissioner Commissioner
THILAGAVATHY NADASON MYRNIE ZACHRAINI TAMIN
Komisaris Komisaris Independen

Commissioner Independent Commissioner

.05 .06 .07
Surat Pernyataan Anggota Direksi

tentang Tanggung Jawab atas
Laporan Tahunan dan Laporan Keberlanjutan
PT Wahana Ottomitra Multiartha Tbk Tahun 2021
Board of Directors Statements regarding Responsibility for 2021 Annual Report and
Sustainability Report of PT Wahana Ottomitra Multiartha Tbk
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned, hereby declare that all information
bahwa semua informasi dalam Laporan Tahunan dan in the Annual Report and Sustainability Report of PT
Laporan Keberlanjutan PT Wahana Ottomitra Multiartha Wahana Ottomitra Multiartha Tbk for 2021 fiscal year
Tbk Tahun 2021 telah dimuat secara lengkap dan has been presented comprehensively and therefore we
bertanggung jawab penuh atas kebenaran isi Laporan are fully responsible for the validity of the contents of
Tahunan dan Laporan Keberlanjutan Perusahaan. this Annual Report and Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.

Direksi
Board of Directors
DJAJA SURYANTO SUTANDAR
Presiden Direktur
President Director
ZACHARIA SUSANTADIREDJA ANTHONY YUAREZ PANGGABEAN
Direktur Direktur
Director Director
NJAUW VIDO ONADI WIBOWO
Direktur Direktur
Director Director

.01 .02 .03 .04
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.05 .06 .07
Surat Keterangan
Information Disclosure Letter
Saya yang bertanda tangan di bawah ini: By signing this letter, I:
Nama : Djaja Suryanto Sutandar Name : Djaja Suryanto Sutandar

Jabatan : Presiden Direktur PT Wahana Position : President Director PT Wahana
Ottomitra Multiartha Tbk Ottomitra Multiartha Tbk
Menerangkan bahwa: Am explaining that:
Nama : Zacharia Susantadiredja Name : Zacharia Susantadiredja

Jabatan : Direktur PT Wahana Ottomitra Position : Director PT Wahana Ottomitra
Multiartha Tbk Multiartha Tbk
Tidak menandatangani Surat Pernyataan Anggota Did not sign the Statement of Members of the Board of
Direksi tentang Tanggung Jawab atas Laporan Directors regarding the Responsibility for the 2021 Annual
Tahunan 2021 PT Wahana Ottomitra Multiartha Tbk, Report of PT Wahana Ottomitra Multiartha Tbk, because
karena sudah mengundurkan diri efektif sejak tanggal he has resigned effectively since November 15, 2021 and
15 November 2021 dan sudah disetujui dalam Rapat has been approved at the Extraordinary General Meeting
Umum Pemegang Saham Luar Biasa Perseroan pada of Shareholders of the Company on January 13, 2022.
tanggal 13 Januari 2022.
Demikian keterangan ini dibuat dengan sebenarnya I also certify that the aforementioned information is
untuk dapat digunakan sebagaimana mestinya. true. This letter is written to be used as intended.

Tertanda,
Signed,

Presiden Direktur
President Director

.03
Profil Perusahaan
Company Profile
Perseroan terus melakukan inovasi dengan menghadirkan produk-produk

baru untuk memenuhi kebutuhan pelanggan yang semakin beragam dan
didukung dengan infrastruktur digital serta jaringan pelayanan
yang semakin luas
The Company continuously makes innovation by presenting new products to meet the increasingly diverse
needs of customers. The innovation is supported by digital infrastructure and a wider service network

.01 .02 .03 .04
Profil Perusahaan
Company Profile
Nama Perusahaan
Company Name PT Wahana Ottomitra Multiartha Tbk
Nama Panggilan
Common Name WOM Finance
Bidang Usaha Berusaha dalam Bidang

Line of Business Perusahaan Pembiayaan
Conducting Business in Finance Company Field
Tanggal Didirikan Modal Dasar Modal Disetor

Date of Establishment Authorized Capital Paid-up Capital
23 Maret 1982 Rp500.000.000.000 Rp348.148.148.000

March 23, 1982
Dasar Hukum Pendirian

Legal Basis of Establishment
Akta Pendirian Nomor 179 tanggal 23 Maret 1982 yang kemudian diubah dengan Akta Perubahan Naskah Pendirian
Nomor 96 tanggal 15 Desember 1982, keduanya dibuat di hadapan Kartini Muljadi, SH., Notaris di Jakarta. Akta pendirian
ini telah mendapat pengesahan dari Menteri Kehakiman Republik Indonesia sesuai dengan Surat Keputusan Nomor C2-
3167-HT.01.01.TH.82 tanggal 23 Desember 1982.
Deed of Establishment Number 179 dated March 23, 1982, which was subsequently amended pursuant to the Deed of Amendment
to the Deed of Establishment Number 96, dated December 15, 1982. Both of which were drawn up before Kartini Muljadi, SH., a
notary in Jakarta. The Deed of Establishment was approved by the Minister of Justice of the Republic of Indonesia by virtue of Decree
Number C2-3167-HT.01.01.TH.82 dated December 23, 1982.
Alamat Kantor Pusat Kantor Jaringan

Head Office Address Network Offices
Altira Office Tower floor 32, 33, 35 166 Kantor Layanan yang terdiri dari
Jl. Yos Sudarso Kav. 85 123 Kantor Cabang (KC) & 43 Kantor
Kelurahan Sunter Jaya, Selain Kantor Cabang (KSKC)
Kecamatan Tanjung Priok
166 Service Offices comprised of 123
Jakarta Utara 14350
Branch Offices and 43 Non-Branch
Telepon | Telephone Offices
+62 21 2188 2400

Faximile | Fax
+62 21 2188 2420
Situs | Website
www.wom.co.id
Surat Elektronik | e-mail
corporate_secretary@wom.co.id

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Sekilas Perusahaan
Company in Brief
PT Wahana Ottomitra Multiartha Tbk (“WOM Finance” PT Wahana Ottomitra Multiartha Tbk (“WOM Finance”
atau "Perseroan") didirikan pada tahun 1982 dengan or "the Company"), the Company was founded with
nama PT Jakarta Tokyo Leasing yang bergerak di bidang the name of PT Jakarta Tokyo Leasing in 1982, which
pembiayaan sepeda motor, khususnya pembiayaan untuk engaged in financing services for motorcycles, especially
sepeda motor merek Honda. Perseroan mengubah nama of Honda brand. The Company changed its name to
menjadi PT Wahana Ottomitra Multiartha pada tahun PT Wahana Ottomitra Multiartha in 2000, in line with
2000 sejalan dengan transformasi bisnis yang dilakukan. its business trasformation. The Company continues to
Usaha Perseroan terus berkembang dengan tidak hanya grow and not only provide honda motorcycle financing
melayani pembiayaan sepeda motor merek Honda services but also other Japanese motorcycle brand such
namun juga melayani pembiayaan sepeda motor merek as Yamaha, Suzuki and Kawasaki.
Jepang lainnya, seperti Yamaha, Suzuki dan Kawasaki.
Pada tahun 2004, Perseroan mendapatkan pernyataan In 2004, the Company obtained effective statement
efektif dari Otoritas Jasa Keuangan/OJK (d/h Badan from the Financial Service Authority/OJK (previously
Pengawas Pasar Modal dan Lembaga Keuangan/ the Capital Market and Financial Institution Supervisory
Bapepam-LK) untuk melakukan Penawaran Umum Agency/Bapepam-LK) to conduct an Initial Public
Saham Perdana. Pada kesempatan tersebut, Perseroan Offering. The Company offered 200,000,000 shares with
menawarkan sebanyak 200.000.000 lembar saham dengan nominal value of Rp100 per share and initial offering
nilai nominal Rp100 per saham dan harga penawaran price of Rp700 per share. The shares were listed on the
sebesar Rp700 per saham. Pencatatan saham Perseroan di Indonesia Stock Exchange on December 13, 2004 under
Bursa Efek Indonesia dilakukan pada 13 Desember 2004 the ticker code of “WOMF”.
dengan “WOMF” sebagai kode saham perusahaan.
Pada tahun 2005, Perseroan menjadi bagian dari In 2005, the Company became a part of PT Bank
kelompok usaha PT Bank Maybank Indonesia Tbk Maybank Indonesia Tbk business group after PT Bank
setelah PT Bank Maybank Indonesia Tbk mengakuisisi Maybank Indonesia Tbk (Maybank Indonesia) acquired
43% kepemilikan saham Perseroan. Pada tahun 2015, 43% share ownership in the Company. In 2015, the
Perseroan melakukan right issue melalui Penawaran Company executed rights issue through Limited

.01 .02 .03 .04
Umum Terbatas, di mana PT Bank Maybank Indonesia Public Offering, whereby PT Maybank Indonesia Tbk
Tbk ("MBI") bertindak sebagai standby buyer. Dalam ("MBI") acted as the standby buyer. In this right issue,
right issue ini, Perseroan menerbitkan 1.481.481.480 the Company issued 1,481,481,480 new shares. The
saham baru. Kemudian kepemilikan saham MBI di share ownership of MBI in the Company subsequently
Perseroan berubah menjadi 68,55%. increased to 68,55%.
Pada tahun 2017, Perseroan menerbitkan Obligasi In 2017, the Company issued Shelf Registration
Berkelanjutan II Tahap II sebesar Rp720,5 miliar dan tahap Bonds II Phase II of Rp720.5 billion and 2017 Phase
III tahun 2017 sebesar Rp867,5 miliar dengan peringkat III of Rp867.5 billion with an AA- (idn) rating from
AA- (idn) dari PT Fitch Ratings Indonesia (Fitch). PT Fitch Ratings Indonesia (Fitch).
Pada tahun 2018, Perseroan melakukan aksi korporasi In 2018, the Company carried out another corporate
lainnya sebagai salah satu upaya untuk memperkuat action to strengthen long term funding structure and
struktur pendanaan jangka panjang dan mendukung to support business growth by realizing the issuance of
pertumbuhan bisnis, dengan merealisasikan penerbitan Bonds II Phase IV and V of Rp793 billion and Rp360.5
Obligasi II Tahap IV dan V sebesar Rp793 miliar dan billion and issuance of Bonds III Phase I of Rp570.5
Rp360,5 miliar, serta menerbitkan Obligasi III Tahap I billion through Shelf Public Offering mechanisms.
sebesar Rp570,5 miliar dimana penerbitan aksi korporasi
ini dilaksanakan melalui mekanisme Penawaran Umum
Berkelanjutan (PUB).
Pada tahun 2019, Perseroan melakukan aksi korporasi In 2019, the Company executed corporate action by
dengan menerbitkan Obligasi III Tahap II sebesar Rp1,675 issuing Bonds III Phase II amounted to Rp1.675 trillion
triliun dimana penerbitan aksi korporasi ini dilaksanakan through Shelf Public Offering mechanisms. In 2020,
melalui mekanisme Penawaran Umum Berkelanjutan the Company issued WOM Finance Shelf Registration
(PUB). Pada tahun 2020, Perseroan menerbitkan Obligasi Bonds III Phase III of Rp260.3 billion and WOM Finance
Berkelanjutan III WOM Finance Tahap III sebesar Rp260,3 Shelf Registration Bonds III Phase IV of Rp500 billion.
miliar dan Obligasi Berkelanjutan III WOM Finance Tahap
IV sebesar Rp500 miliar.
Selain aksi korporasi, Perseroan juga mengembangkan In addition to corporate action, the Company also
layanan digital yang bekerjasama dengan marketplace developed digital services collaborating with marketplace
Bukalapak, Tokopedia dan Gobills serta bekerjasama Bukalapak, Tokopedia and Gobills. Cooperation with MBI
dengan MBI dalam layanan pembayaran melalui QRIS for payment services through QRIS (Quick Respons Code
(Quick Respons Code Indonesian Standard). Indonesian Standard) was also carried out.
Perseroan juga mengembangkan digitalisasi untuk The Company also developed other digital development
aktivitas operasional kerja karyawan melalui Aplikasi for operational activities of its employees through
Google Suite (G-Suite) sehingga karyawan dapat Google Suite (G-Suite) Application to enable employee
melakukan koordinasi dan proses approval secara to coordinate and conduct approval process digitally.
digital.
Upaya digitalisasi terus berlanjut pada tahun 2021 Digitization will continue in 2021 to increase
untuk meningkatkan produktivitas dan konektivitas productivity and connectivity of the company’s
operasional perusahaan. Hal itu dilakukan karena operations. This was done due to the ongoing Covid-19
pandemi Covid-19 yang masih berlangsung hingga pandemic, which requires the Company to accelerate
saat ini sehingga mengharuskan Perseroan untuk digitization in the company’s business processes.
mempercepat digitalisasi dalam proses bisnis
perusahaan.
Pada tahun 2021, Perseroan menerbitkan Obligasi In 2021, the Company issued WOM Finance Shelf
Berkelanjutan IV WOM Finance Tahap I sebesar Registration Bonds IV Phase I of Rp500 billion. The
Rp500 miliar di mana penerbitan aksi korporasi ini issuance of this corporate action was carried out
dilaksanakan melalui mekanisme Penawaran Umum through a Shelf Public Offering (PUB) mechanism.
Berkelanjutan (PUB). Penerbitan obligasi ini bertujuan The issuance of these bonds aims to strengthen the
untuk memperkuat permodalan Perseroan. Company’s capital.

.05 .06 .07
Logo Perusahaan
Corporate Logo
Logo Perseroan adalah instrumen komunikasi bagi

sebuah perusahaan yang menjadi pembeda dengan
perusahaan lain.
The Company logo is a communication instrument that

differentiates the company from other companies.
Logo Utama dilahirkan dari dua komponen dasar -

elemen nama dan simbol ‘W’. Simbol ‘W’ melambangkan
(warmth) kehangatan sebagai sebuah sikap kerja yang
diberikan kepada rekanan, mitra dan konsumen WOM
Finance.
The main logo comprises two basic components: the

name element and the “W” symbol. The “W” symbol
signifies warmth - the work attitude toward WOM
Finance’s associates, partners and customers.
Lingkaran elips yang mengelilingi elemen ‘W’

merupakan komposisi yang mencerminkan sinergi
pendorong untuk membangun WOM Finance sebagai
perusahaan keuangan yang terbaik di Indonesia.
The ellipse surrounding the “W” element is a

composition reflecting the supporting synergy to
make WOM Finance the best multifinance company in
Indonesia.
Bagian a member of Maybank group menegaskan

bahwa Perseroan adalah anak usaha dari PT Bank
Maybank Indonesia Tbk.
The part “a member of Maybank group” affirms

the Company’s position as the subsidiary of PT Bank
Maybank Indonesia Tbk.

.01 .02 .03 .04
Jejak Langkah
Milestones
2004
Perseroan mengubah Anggaran
1982 Dasar dalam rangka Penawaran
Umum Perdana Saham
Perseroan didirikan dengan berdasarkan Berita Acara Rapat
nama PT Jakarta Tokyo Leasing. Umum Pemegang Saham Luar
Nama Perseroan berganti Biasa (RUPSLB).
menjadi PT Fuji Semeru Leasing.
The Company’s Articles of
The Company was established Association was amended in line
under the name of PT Jakarta with the Initial Public Offering
Tokyo Leasing. The Company’s pursuant to the Minutes of
name changed into PT Fuji Semeru Extraordinary General Meeting of
Leasing. Shareholders (EGMS).
2000 2011
Nama Perseroan diubah Perseroan mengubah Anggaran Dasar Perseroan dalam
menjadi PT Wahana rangka Penawaran Umum Perdana Saham berdasarkan
Ottomitra Multiartha. Berita Acara Rapat Umum Pemegang Saham Luar Biasa
(RUPSLB).
The Company’s name changed
to PT Wahana Ottomitra The Company’s Articles of Association was amended in line
Multiartha. with the Initial Public Offering pursuant to the Minutes of
Extraordinary General Meeting of Shareholders (EGMS).
1997 2005 2014

Nama Perseroan diubah Perubahan status kepemilikan Penawaran Umum
menjadi PT Wahana saham PT Wahana Ottomitra Berkelanjutan
Ometraco Multiartha. Multiartha Tbk, mayoritas Obligasi
menjadi milik PT Bank Maybank Berkelanjutan I
The Company’s name changed Indonesia Tbk. WOM Finance.
to PT Wahana Ometraco
Multiartha. The share ownership status of Shelf Public Offering
PT Wahana Ottomitra Multiartha of WOM Finance
Tbk changed, resulting in PT Bank Shelf Registration
Maybank Indonesia Tbk becoming Bonds I.
the majority shareholder.
2015
2003
Penerbitan
Menerbitkan Obligasi I WOMF, senilai 1.481.481.480
Rp300 miliar yang memperoleh saham baru melalui
peringkat A- dari PT Pemeringkat Penawaran Umum
Efek Indonesia (Pefindo). Terbatas.
The Company issued WOMF Bonds I with The Company issued
nominal value of Rp300 billion; rated 1,481,481,480 new
A- by PT Pemeringkat Efek Indonesia shares through Limited
(Pefindo). Public Offering.

.05 .06 .07
2016
Penawaran Umum
Berkelanjutan Obligasi
Berkelanjutan II Tahap I 2020
WOM Finance.
• Penawaran Umum
Shelf Public Offering of WOM Berkelanjutan Obligasi
Finance Shelf Registration Berkelanjutan III Tahap III
Bonds II Phase I. WOM Finance.
Shelf Public Offering of WOM
Finance Shelf Registration Bonds
2018 III Phase III.
• Penawaran Umum Berkelanjutan Obligasi • Penawaran Umum

Berkelanjutan II Tahap IV WOM Finance. Berkelanjutan Obligasi
Berkelanjutan III Tahap IV
Shelf Public Offering of WOM Finance Shelf WOM Finance.
Registration Bonds II Phase IV.
• Penawaran Umum Berkelanjutan Obligasi Finance Shelf Registration Bonds
Berkelanjutan II Tahap V WOM Finance. III Phase IV.
Shelf Public Offering of WOM Finance Shelf
Registration Bonds II Phase V.
• Penawaran Umum Berkelanjutan Obligasi
Berkelanjutan III Tahap I WOM Finance.
Shelf Public Offering of WOM Finance Shelf
Registration Bonds III Phase I.
2017 2019 2021

• Penawaran Umum Penawaran Umum Penawaran Umum Obligasi
Berkelanjutan Obligasi Berkelanjutan Obligasi Berkelanjutan IV Tahap I
Berkelanjutan II Tahap II WOM Berkelanjutan III Tahap II WOM Finance.
Finance. WOM Finance.
Public Offering of WOM
Shelf Public Offering of WOM Shelf Public Offering of WOM Finance Shelf Registration
Finance Shelf Registration Bonds II Finance Shelf Registration Bonds IV Phase I.
Phase II. Bonds III Phase II.
• Penawaran Umum
Berkelanjutan Obligasi
Berkelanjutan II Tahap III WOM
Finance.
Finance Shelf Registration Bonds II
Phase III.

.01 .02 .03 .04
Visi, Misi dan Nilai Perusahaan

Menjadi salah satu perusahaan

pembiayaan terbaik di Indonesia dengan
Visi Vision
menerapkan tata kelola perusahaan
yang baik.
To be one of the best financing companies in Indonesia
through good corporate governance implementation
1 Mengutamakan kepuasan konsumen dan mitra

kerja lainnya.
Placing the satisfaction of the customers and business
partners as the first priority.
Membangun infrastruktur berbasis TI untuk
Misi
2
melaksanakan proses yang baik.
Establishing IT-based infrastructures to promote sound
processing.
Mission 3 Pengembangan dan perluasan jaringan usaha,

terutama di daerah potensial.
Developing and expanding business network, particularly
in potential areas.
4 Mengoptimalkan kinerja perusahaan.

Optimizing company performance.

.05 .06 .07
Nilai Perusahaan
Corporate Values
T R
I E
G
Excellence & Relationship
Teamwork Integrity Growth Efficiency Building
Kami bekerja Kami jujur, Kami memiliki Kami berkomitmen Kami secara
sama sebagai profesional dan keinginan yang kuat untuk menghasilkan berkesinambungan
satu tim yang berlandaskan untuk melakukan kinerja yang membangun
didasari nilai saling moral dalam semua peningkatan dan sempurna dan hubungan kerja
menghargai dan rasa kegiatan usaha kami. pembaharuan secara layanan prima. sama jangka
kebanggaan. konsisten. panjang yang saling
We are honest, We are committed to
menguntungkan.
We work together as a professional and ethical We are passionate deliver outstanding
team based on mutual in all our dealings. about constant performance and We continuously build
respect and dignity. improvement and superior services. longterm and mutually
innovation. beneficial partnership.

.01 .02 .03 .04
Struktur Organisasi
Organization Stucture
General Meeting of
Shareholder
Syariah Supervisory
Board
Board of Director
Djaja S. Sutandar
President Director*
Wibowo Njauw Vido Onadi Vacant Anthony Yuarez

Panggabean
Risk Management
Marketing Director Finance Director Operations Director
Director
Cincin Lisa Hadi
Chief Financial Officer
Sim Simadibrata Hariyanto Irene Khoe Rina Mayangsari

Marketing Reguler Credit & Asset Management Finance & Accounting
Unit Division Head Operation Division Head
Division Head Division Head
Andri Setiawan Saidina D. Bantayan Erik Tanudjaja Felix Priscellius

Collection & Remedial Financial Planning & Investor Information Technology
NDS Division Head
Division Head Relation Division Head Division Head
Joshua H. M. Pramujia Herwin Jimmy Sutrisno Ardhi Nugroho Budi

Marketing Development Risk Management Financial Analyst & Development IT Security & Compliance
Division Head Division Head Sub Division Head Sub Division Head
M. Chandra Furkan Panji Dwisatia Munajat Charles Sugiarta

Project Management Organization Policies &
Kepala Unit Usaha Syariah
Office Division Head Procedures Sub Division Head
Herfan Herlambang
Tele Center Sub Division Head
Reporting Lines
Coordination Lines
Supervisiory Lines
* Merangkap sebagai Sekretaris Perusahaan | Serves as Corporate Secretary

.05 .06 .07
Board of Commissioner
Remuneration and
Risk Oversight Committee Audit Committee
Nomination Committee
Product & Business

Risk Management Committee Development Syariah
Steering Committee
Committee
Ekanto Wijonosunu
Chief Human Capital
Officer
Vacant Heru S. Hadianto Ignatius Prasetya

Human Capital Shared Business Network & Initiative Internal Audit
Service Division Head Management Division Head Division Head
Cristina M.F. Samosir Christin

Business Unit Head Legal Counsel
Human Capital Strategic &
Development Division Head Division Head
Anang Ludy Puspawan Muhamad Akmal

Deputy Business Unit
Human Capital Business Head Anti Fraud Division Head
Partner & Industrial Relation
Department Head
I Gede Sudarsana
Branch Head
UK APU PPT Section Head
Dewan Komisaris Kepala Regional

Board of Commissioners Business Unit Head
Presiden Komisaris / Gilbert Samuel Siahaan : Jakarta, Bogor, Depok, Bekasi
Komisaris Independen : I Nyoman Tjager Andriansyah : Jawa Barat | West Java
(President Commissioner/
Independent Commissioner) Bambang Purwanto : Jawa Tengah | Central Java
Wakil Presiden Komisaris Jawa Timur, Bali, Nusa Tenggara
: Robbyanto Budiman Andreas Aditya :
(Vice President Commissioner) East Java, Bali, Nusa Tenggara
Komisaris Sumatera Bagian Utara
: Garibaldi Thohir Effendi Simatupang :
(Commissioner) North of Sumatera
Komisaris Sumatera Bagian Selatan
: Thilagavathy Nadason Audi Pramadita Putra :
(Commissioner) South of Sumatera
Komisaris Independen Armawati, SH : Kalimantan Sulawesi
: Myrnie Zachraini Tamin
(Independent Commissioner)
Lambertus Langkun : Banten

.01 .02 .03 .04
Bidang Usaha
Line of Business
Perseroan menjalankan usaha di bidang Pembiayaan The Company conducts business in Consumer Financing
Konsumen sesuai dengan Anggaran Dasar Perseroan. with the Company’s Articles of Association.
Berdasarkan Anggaran Dasar Perseroan, Perseroan Based on the Company’s Articles of Association, the
dapat melakukan kegiatan usaha utama sebagai Company carries out the following main business
berikut: activities:
a. Pembiayaan Investasi yang dilakukan dengan cara:

Investment Financing conducted by:
• Sewa Pembiayaan; • Pembelian dengan Pembayaran Secara Angsuran;

Finance Lease; Purchase Payment by Installments;
• Jual dan Sewa Balik; • Pembiayaan Proyek;
Sale and Leaseback; Project Financing;
• Anjak Piutang dengan Pemberian Jaminan dari • Pembiayaan Infrastruktur; dan/atau
Penjual Piutang; Infrastructure Financing; and/or;
Factoring with Recourse;
• Anjak Piutang tanpa Pemberian Jaminan dari • Pembiayaan lain setelah terlebih dahulu
Penjual Piutang; mendapatkan persetujuan dari OJK.
Factoring without Recourse; Additional financing after prior approval from the
Financial Services Authority (OJK).
b. Pembiayaan Modal Kerja yang dilakukan dengan bentuk:

Working Capital Financing conducted by:
• Jual dan Sewa Balik; • Fasilitas Modal Usaha; dan/atau

Sale and Leaseback; Working Capital Facility; and/or
• Anjak Piutang dengan Pemberian Jaminan dari • Pembiayaan lain setelah terlebih dahulu
Penjual Piutang; mendapatkan persetujuan dari OJK.
Factoring with Recourse; Additional financing after prior approval from the
• Anjak Piutang tanpa Pemberian Jaminan dari Financial Services Authority (OJK).
Penjual Piutang;
Factoring without Recourse;
c. Pembiayaan Multiguna yang dilakukan dengan bentuk:

Multipurpose Financing conducted by:
• Sewa Pembiayaan; • Pembiayaan lain setelah terlebih dahulu

Finance Lease; mendapatkan persetujuan dari OJK.
• Pembelian dengan Pembayaran Secara Angsuran; Additional financing after prior approval from the
Purchase Payment by Installments; Financial Services Authority (OJK).
• Fasilitas Dana; dan/atau
Funding Facility; and/or
d. Kegiatan usaha pembiayaan lain berdasarkan persetujuan OJK

Other financing activities prior approval from OJK

.05 .06 .07
e. Menyediakan pembiayaan dan/atau melakukan kegiatan usaha berdasarkan prinsip syariah, sesuai
dengan ketentuan yang ditetapkan oleh OJK, Pemerintah dan/atau Dewan Syariah Nasional yang
berlaku sebagai berikut:
Providing financing and/or conducting business based on sharia principles, in accordance with conditions
established by OJK, the Government and/or the National Sharia Council:
a) Pembiayaan jual beli yang dilakukan dengan c) Pembiayaan jasa yang dilakukan dengan
menggunakan akad: menggunakan akad:
Trade financing performed using the following Service financing performed using the following
types of contracts: types of contracts:
• Murabahah; • Ijarah;
Murabahah; Ijarah;
• Salam; dan/atau • Ijarah Muntahiyah Bittamlik;
Salam; and/or Ijarah Muntahiyah Bittamlik;
• Istishna’. • Hawalah atau Hawalah bil Ujrah;
Istishna’. Hawalah or Hawalah bil Ujrah;
b) Pembiayaan Investasi yang dilakukan dengan • Wakalah atau Wakalah bil Ujrah;
menggunakan akad: Wakalah or Wakalah bil Ujrah;
Investment financing performed using the following • Kafalah atau Kafalah bil Ujrah;
types of contracts: Kafalah or Kafalah bil Ujrah;
• Mudharabah; • Ju’alah; dan/atau
Mudharabah; Ju’alah; and/or
• Musyarakah; • Qardh.
Musyarakah; Qardh.
• Mudharabah Musytarakah; dan/atau
Mudharabah Musytarakah; and/or
• Musyarakah Mutanaqishoh.
Musyarakah Mutanaqishoh.
Selain kegiatan usaha utama di atas, Perseroan dapat melaksanakan kegiatan usaha penunjang lainnya sebagai
berikut:
In addition to the main business activities, the Company can carry out other supporting business activities as follows:
• Sewa operasi (operating lease); • Mengusahakan usaha-usaha lain yang berhubungan

Operating Lease; langsung maupun tidak langsung dengan maksud
• Kegiatan berbasis fee sepanjang tidak bertentangan tersebut di atas yang pelaksanaannya tidak
dengan perundang-undangan di sektor jasa bertentangan dengan Undang-Undang yang
keuangan; dan/atau berlaku di Negara Republik Indonesia.
Any fee-based activities, which do not violate the Other business that deal directly or indirectly with the
regulation in the financial services sector; and/or aforementioned purposes whose implementation
that does not violate the prevailing laws in the
Republic of Indonesia.

.01 .02 .03 .04
Produk dan Layanan

Product and Services
Dalam menjalankan usahanya Perseroan memiliki In running its business, the Company has a variety of
beragam produk dan layanan yang sesuai dengan products and services that suit the needs of consumers.
kebutuhan konsumen. Produk dan layanan yang The following products and services are:
dimiliki sebagai berikut:
Pembiayaan Multiguna Barang Pembiayaan Multiguna Jasa

Multipurpose Goods Financing Multipurpose Services Financing
• Pembiayaan Motor Baru • MotorKu
New Motorcycle Financing a. Multiguna MotorKu
• Pembiayaan Motor Bekas Multipurpose MotorKu
Used Motorcycle Financing b. Fasilitas Dana MotorKu
MotorKu Funding Facility
• MobilKu
Investment Financing a. Multiguna MobilKu
Multipurpose MobilKu
b. Fasilitas Dana MobilKu
• Sale and Leaseback MobilKu MobilKu Funding Facility
Pembiayaan Modal Kerja Pembiayaan Jual Beli (Akad Murabahah)

Working Capital Financing Selling and Buying Financing (Murabahah Contract)
• Fasilitas Modal Usaha MobilKu • Pembiayaan Syariah Motor Baru

MobilKu Working Capital Facility New Motorcycle Sharia Financing
• Sale and Leaseback MobilKu • Pembiayaan Syariah Logam Mulia “Masku”
“MasKu” Precious Metals Sharia Financing

.05 .06 .07
Keanggotaan Asosiasi
Association Membership
Perseroan menjadi anggota asosiasi sebagai berikut: The Company is a member of the following associations:
1. Asosiasi Perusahaan Pembiayaan Indonesia (APPI) 1. The Indonesia Financial Services Association
2. Indonesia Corporate Secretary Association (ICSA) 2. Indonesia Corporate Secretary Association (ICSA)
3. Asosiasi Pengusaha Indonesia (APINDO) 3. The Employers’ Association of Indonesia (APINDO)
4. Asosiasi Emiten Indonesia (AEI) 4. Indonesian Public Listed Companies Association (AEI)
5. Lembaga Alternatif Penyelesaian Sengketa Sektor 5. Alternative Institution for Dispute Resolution at
Jasa Keuangan (LAPS SJK) Financial Services (LAPS SJK)
6. Badan Mediasi Pembiayaan Pergadaian Ventura 6. Indonesian Venture Pawnshop Financing Mediation
Indonesia (BMPPVI) Agency (BMPPVI)
7. PT Rapi Utama Indonesia (RAPINDO) 7. PT Rapi Utama Indonesia (RAPINDO)
8. Dewan Syariah Nasional (DSN) - Majelis Ulama 8. National Sharia Council (DSN) - Indonesian Ulema
Indonesia (MUI) Council

.01 .02 .03 .04
Profil Dewan Komisaris

Board of Commissioners Profile
Sepanjang tahun 2021, Perseroan tidak melakukan Throughout 2021, the Company did not change the
perubahan komposisi Dewan Komisaris. Per 31 composition of the Board of Commissioners. As of
Desember 2021, susunan Dewan Komisaris Perseroan December 31, 2021, the composition of the Company’s
sebagai berikut: Board of Commissioners is as follows:
Riwayat Pendidikan Educational Background

Meraih gelar Sarjana Hukum Dagang He obtained a Bachelor’s degree in
dari Universitas Gadjah Mada, Commercial Law from Gadjah Mada
Yogyakarta (1976), Master of Economic, University, Yogyakarta (1976), Master
Fordham University, New York, USA of Economics, Fordham University,
(1987), dan meraih gelar Doktor New York, USA (1987), and a Doctor
Hukum dari Universitas Gadjah Mada, of Law from Gadjah Mada University,
Yogyakarta (2003). Yogyakarta (2003).
Pengalaman Kerja Work Experience

• Sekretaris Menteri Negara/Sekretaris • Secretary of State Minister/Main
Utama Badan Penanaman Modal dan Secretary of Capital Investment
Pembinaan BUMN (2000) Agency and SOE Development (2000)
• Direktur Jenderal (Dirjen) Pembinaan • Directorate General of SOE
BUMN, Departemen Keuangan Development, Finance Department
(2000 - 2001) (2000 - 2001)
• Staf Ahli Menteri Negara BUMN- • Senior Advisor to the State Minister
Bidang KUK Kementerian BUMN of SOE in Micro Loan Department of
(2001 - 2005) the Ministry of SOE (2001 - 2005)
• Komisaris Utama PT Bursa Efek • President Commissioner of PT Bursa
Indonesia (2008 - 2014) Efek Indonesia (2008 - 2014)
• Komisaris Independen PT Ancora • Independent Commissioner at
Indonesia Resources Tbk (2008 - 2014) PT Ancora Indonesia Resources Tbk
(2008 - 2014)
Rangkap Jabatan Concurrent Positions

• Anggota Komite Audit & Komite • Member of Audit Committee & Risk
Pemantau Risiko PT Bank National Monitoring Committee of PT Bank
Nobu Tbk (2011 - saat ini) National Nobu Tbk (2011 - present)
I NYOMAN TJAGER • Komisaris Utama/Komisaris • President Commissioner/Independent
Independen PT Maybank Kim Eng Commissioner of PT Maybank Kim
Securities (2015 - saat ini) Eng Securities (2015 - present)
Presiden Komisaris/ • Komisaris Independen & Ketua • Independent Commissioner &
Komisaris Independen Komite Audit PT Home Credit Chairman of the Audit Committee
President Commissioner/ Indonesia (2015 - saat ini) of PT Home Credit Indonesia
Independent Commissioner (2015 - present)
• Ketua Komite Pemantau Resiko • Chairman of the Risk Monitoring
PT Wahana Ottomitra Multiartha Tbk Committee of PT Wahana Ottomitra
(2015 - saat ini) Multiartha Tbk (2015 - present)
Kewarganegaraan • Ketua Komite Audit PT Wahana • Chairman of the Audit Committee of
Citizenship Ottomitra Multiartha Tbk PT Wahana Ottomitra Multiartha Tbk
Indonesia (2020 - saat ini) (2020 - present)
Dasar Hukum Penunjukkan Basis of Appointment

Umur Diangkat sebagai Presiden Komisaris He was appointed as President
Age sekaligus Komisaris Independen Commissioner and Independent
71 Tahun Years Old Perseroan pada tahun 2015 dan Commissioner of the Company in
diangkat kembali sebagai Presiden 2015 and reappointed as President
Komisaris sekaligus Komisaris Commissioner and Independent
Domisili Independen Perseroan berdasarkan Commissioner of the Company based
Domicile Keputusan RUPS Tahunan tanggal on the Resolution of the Annual GMS
Jakarta 12 Maret 2020. dated March 12, 2020.
Pernyataan Independensi Declaration of Independence

Beliau telah menyatakan pernyataan He has declared his independence
independensi pada tanggal 27 Februari statement on February 27, 2020.
2020.
Hubungan Afiliasi Affilated Relationship

Beliau tidak memiliki hubungan afiliasi He does not have any affiliate
baik dengan anggota Direksi, anggota relationships with members of the
Dewan Komisaris lainnya maupun Board of Directors, members of
dengan Pemegang Saham Utama dan the Board of Commissioners or the
Pengendali. Controlling and Major Shareholders.

.05 .06 .07

Meraih gelar Sarjana Business He obtained a Bachelor’s Degree in
Administration/ Marketing dari Business Administration/Marketing
University of Southern California from University of Southern California
(1987) dan International Business dari (1987) and International Business from
Northrop University Los Angeles (1989). Northrop University Los Angeles (1989).
Pengalaman Kerja & Rangkap Jabatan Work Experience & Concurrent Position
• Komisaris PT Sejahtera Mulia • Commissioner of PT Sejahtera Mulia
Langgeng Hutama (1994 - saat ini) Langgeng Hutama (1994 - present)
• Direktur Utama PT Wahana Makmur • President Director of PT Wahana
Sejati (2000 - saat ini) Makmur Sejati (2000 - present)
• Direktur PT Wahanaartha Mandiri • Director of PT Wahanaartha Mandiri
(2006 - sekarang) (2006 - present)
• Direktur PT Gandamitra Sukses • Director of PT Gandamitra Sukses
Development (2006 – saat ini) Development (2006 - present)
• Direktur Utama PT Wahanaartha • President Director of PT Wahanaartha
Harsaka (2007 - saat ini) Harsaka (2007 - present)
• Direktur Utama PT Sahari Sukses • President Director of PT Sahari Sukses
Investama (2007 - saat ini) Investama (2007 - present)
• CEO PT Agro Maju Raya (2009 - saat ini) • CEO of PT Agro Maju Raya
(2009 - present)
• Direktur PT Sahari Multi Investama • Director of PT Sahari Multi Investama
(2012 - saat ini) (2012 - present)
• Direktur Utama PT Sahari Inti • President Director of PT Sahari Inti
Propertindo (2012 - 2021) Propertindo (2012 - 2021)
• Komisaris PT Kyochon Indonesia • Commissioner of PT Kyochon
(2012 - saat ini) Indonesia (2012 - present)
• Komisaris Utama PT Budiman Jaya • President Commissioner of
Sejahtera (2012 - saat ini) PT Budiman Jaya Sejahtera
(2012 - present)
ROBBYANTO BUDIMAN • Komisaris Utama PT Kalimas • President Commissioner of PT Kalimas
Mulikarsa (2013 - saat ini) Mulikarsa (2013 - present)
• Komisaris Utama PT Graha Sahari • President Commissioner of PT Graha
Wakil Presiden Komisaris Wangi (2013-saat ini) Sahari Wangi (2013 - present)
Vice President Commissioner • Komisaris PT Graha Sahari Utama • Commissioner of PT Graha Sahari
(2014 - saat ini) Utama (2014 - present)
• Komisaris Utama PT Sahari Sukses • President Commissioner of PT Sahari
Sejahtera (2014 - saat ini) Sukses Sejahtera (2014 - present)
Kewarganegaraan • Komisaris PT Tristar Transindo • Commissioner of PT Tristar Transindo
Citizenship (2015 - saat ini) (2015 - present)
Indonesia • Komisaris Utama PT Sima Graha • President Commissioner of PT Sima
Utama (2015 - saat ini) Graha Utama (2015 - present)
• Direktur PT Mitrajaya Amanah • Director of PT Mitrajaya Amanah
Umur Cemerlang (2015 - saat ini) Cemerlang (2015 - present)
Age • Wakil Ketua Komite Pemantau Resiko • Vice Chairman of the Risk Monitoring
54 Tahun Years Old PT Wahana Ottomitra Multiartha Tbk Committee of PT Wahana Ottomitra
• Direktur PT Mitra Amanah Investama • Director of PT Mitra Amanah
Domisili (2017 - saat ini) Investama (2017 - present)
Domicile • Direktur PT Sahari Investama • Director of PT Sahari Investama
Jakarta Sejahtera (2018 - saat ini) Sejahtera (2018 - present)
• Komisaris Utama PT Wahana • President Commissioner of
Kalyanamitra Mahardhika PT Wahana Kalyanamitra Mahardhika
• Komisaris PT Wahanaartha Ritelindo • Commissioner of PT Wahanaartha
(2020 - saat ini) Ritelindo (2020 - present)
• Komisaris PT Trimitra Usaha • Commissioner of PT Trimitra Usaha
Manunggal (2020 - saat ini) Manunggal (2020 - present)
• Komisaris Utama PT Islaverde • President Commissioner of
Bioinnovation Utama (2020 - saat ini) PT Islaverde Bioinnovation Utama
(2020 - present)
• Komisaris Utama PT Sahari Makmur • President Commissioner of PT Sahari
• Komisaris Utama PT Sahari Inti • President Commissioner of PT Sahari
Propertindo (2021 - saat ini) Inti Propertindo (2021- present)

Diangkat sebagai Wakil Presiden He was appointed as Vice President
Komisaris Perseroan pada tahun Commissioner of the Company in 2011
2011 dan diangkat kembali sebagai and reappointed as Vice President
Wakil Presiden Komisaris Perseroan Commissioner pursuant to the Company
berdasarkan Keputusan RUPS Tahunan Annual GMS Resolution dated March
tanggal 12 Maret 2020. 12, 2020.

Memiliki hubungan afiliasi dengan He has affiliation with major
pemegang saham utama sebagai shareholders as President Director of
Direktur Utama PT Wahana Makmur PT Wahana Makmur Sejati.
Sejati.

.01 .02 .03 .04

Meraih gelar MBA dari Northrop He obtained MBA from Northrop
University, Los Angeles (1989) dan meraih University, Los Angeles (1989) and
gelar Sarjana Sains dari University of Bachelor of Science from University of
Southern California (1988). Southern California (1988).
Pengalaman Kerja & Rangkap Jabatan Work Experience & Concurrent Position
• Direktur PT Trinugraha Thohir (Holding • Director of PT Trinugraha Thohir
Company) (2021 - saat ini) (Holding Company) (2021 - present)
• Direktur Utama PT Bumi Habitat Lestari • President Director of PT Bumi Habitat
(1993 - saat ini) Lestari (1993 - present)
• Direktur Utama PT Bumi Persada Putra • President Director of PT Bumi Persada
Mandiri (1993 - saat ini) Putra Mandiri (1993 - present)
• Direktur PT Sejahtera Mulia Langgeng • Director of PT Sejahtera Mulia
Hutama (1994 - saat ini) Langgeng Hutama (1994 - present)
• Sekjen Ikatan Alumni PERMIAS • Secretary General of the PERMIAS
(Perhimpunan Mahasiswa Indonesia di Alumni Association (Indonesian
Amerika Serikat) (2001 - saat ini) Student Association in the United
States) (2001 - present)
• Komisaris Utama PT Tristar Transindo • President Commissioner of PT Tristar
(2006 - saat ini) Transindo (2006 - present)
• Komisaris PT Wahana Artha Mandiri • Commissioner of PT Wahana Artha
(2006 - saat ini) Mandiri (2006 - present)
• Pembina Yayasan Pondok Pesantren • Trustees of Cilangkap Islamic Boarding
Cilangkap (2007 - saat ini) School Foundation (2007 - present)
• Komisaris Utama PT Wahanaartha • President Commissioner of
Harsaka (2007 - saat ini) PT Wahanaartha Harsaka
(2007 - present)
• Komisaris Utama PT Sahari Sukses • President Commissioner of PT Sahari
GARIBALDI THOHIR Investama (2007 - saat ini) Sukses Investama (2007 - present)
• Direktur Utama PT Adaro Energy Tbk • President Director of PT Adaro Energy
(2004 - saat ini) Tbk (2004 - present)
Komisaris • Komisaris PT Surya Esa Perkasa Tbk • Commissioner of PT Surya Esa Perkasa
Commissioner (2009 - saat ini) Tbk (2009 - present)
• Komisaris Utama PT Tapin Suthra • President Commissioner of PT Tapin
Berjaya (2009 - saat ini) Suthra Berjaya (2009 - present)
Kewarganegaraan • Komisaris Utama PT Bhumi Rantau • President Commissioner of PT Bhumi
Energi (2009 - saat ini) Rantau Energi (2009 - present)
Citizenship • Presiden Komisaris PT Bhakti Energi • President Commissioner of PT Bhakti
Indonesia Persada (2011 - saat ini) Energi Persada (2011 - present)
• Komisaris Utama PT Sahari lnti • President Commissioner of PT Sahari
Umur Propertindo (2012 - 2021) Inti Propertindo (2012 - 2021)
• Anggota Komite Pemantau Risiko • Member of the Risk Monitoring
Age PT Wahana Ottomitra Multiartha Tbk Committee of PT Wahana Ottomitra
56 Tahun Years Old (2015 - saat ini) Multiartha Tbk (2015 - present)
• Direktur Utama PT Padangbara Sukses • President Director of PT Padangbara
Domisili Makmur (2017 - saat ini) Sukses Makmur (2017 - present)
• Komisaris PT Merdeka Copper Gold Tbk • Commissioner of PT Merdeka Copper
Domicile (2014 - saat ini) Gold Tbk (2014 - present)
Jakarta • Komisaris Utama PT Alam Tri Abadi • President Commissioner of PT Alam Tri
(2014 - saat ini) Abadi (2014 - present)
• Komisaris PT Mitrajaya Amanah • Commissioner of PT Mitrajaya Amanah
Cemerlang (2015 - saat ini) Cemerlang (2015 - present)
• Komisaris Utama PT Bumi Alam • President Commissioner of PT Bumi
Sejahtera (2015 - saat ini) Alam Sejahtera (2015 - present)
• Komisaris Utama PT Gerak Maju Abadi • President Commissioner of PT Gerak
(2016 - saat ini) Maju Abadi (2016 - present)
• Komisaris Utama PT Trinugraha Food • President Commissioner of
lndustry (Hanamasa Restaurant Group) PT Trinugraha Food Industry (Hanamasa
(2017 - saat ini) Restaurant Group) (2017 - present)
• Komisaris PT Mitra Amanah Investama • Commissioner of PT Mitra Amanah
(2017 - saat ini) Investama (2017 - present)
• Komisaris Utama PT Wahana Makmur • President Commissioner of PT Wahana
• Komisaris Utama PT Bumi Suksesindo • President Commissioner of PT Bumi
(2017 - saat ini) Suksesindo (2017 - present)
• Komisaris PT Sahari Investama Sejahtera • Commissioner of PT Sahari Investama
(2018 - saat ini) Sejahtera (2018 - present)
• Komisaris Utama PT Wahanaartha • President Commissioner of
Ritelindo 2020 - saat ini) PT Wahanaartha Ritelindo
(2020 - present)
• Komisaris Utama PT Adi Boga Cipta • President Commissioner of PT Adi Boga
(2020 - saat ini) Cipta (2020 - present)

Diangkat sebagai Komisaris Perseroan He was appointed as Commissioner of
pada tahun 2011 dan diangkat kembali the Company in 2011 and reappointed as
sebagai Komisaris Perseroan berdasarkan Commissioner pursuant to the Company
Keputusan RUPS Tahunan tanggal Annual GMS Resolution dated March 12,
12 Maret 2020. 2020.

Memiliki hubungan afiliasi dengan He has affiliation with major shareholders
pemegang saham utama sebagai as President Commissioner of PT Wahana
Komisaris Utama PT Wahana Makmur Makmur Sejati.
Sejati.

.05 .06 .07

Meraih gelar Accounting dari National She obtained Accounting from National
University of Singapore (1985). University of Singapore (1985).

• Manager Assurance dan Pelatihan • Training and Assurance Manager of
Pricewaterhouse Coopers Singapore Pricewaterhouse Coopers Singapore
(1985 - 1992) (1985 - 1992)
• Senior Manager Assurance • Senior Manager Assurance of
Pricewaterhouse Coopers Hongkong Pricewaterhouse Coopers Hongkong
(1993 - 1997) (1993 - 1997)
• Partner Transaction Services • Partner Transaction Services of
Pricewaterhouse Coopers Indonesia Pricewaterhouse Coopers Indonesia
(1998 - 2005) (1998 - 2005)
• Direktur, Chief Finance Officer • Director, Chief Finance Officer (also
(juga Direktur Operations and Director of Operations and Branch
Branch Service Center (2007 - 2008) Service Center (2007 - 2008) of
PT Bank Lippo Tbk (merger dengan PT Bank Lippo Tbk (merged with
Bank Niaga pada 2008 dan berubah Bank Niaga in 2008 and changed
nama menjadi PT Bank CIMB its name to CIMB Niaga Tbk)
Niaga Tbk) (2005 - 2009) (2005 - 2009)

THILAGAVATHY NADASON • Finance Director PT Bank Maybank • Finance Director PT Bank Maybank
Indonesia Tbk (2009 - saat ini) Indonesia Tbk (2009 - present)
Komisaris • Anggota Komite Pemantau Resiko • The Risk Monitoring Committee
Commissioner PT Wahana Ottomitra Multiartha Tbk Member of PT Wahana Ottomitra
Kewarganegaraan Dasar Hukum Penunjukkan Basis of Appointment

Citizenship Diangkat sebagai Komisaris Perseroan She was appointed as Commissioner of
Malaysia pada tahun 2015 dan diangkat the Company in 2015 and reappointed
kembali sebagai Komisaris Perseroan as Commissioner pursuant to the
Umur berdasarkan Keputusan RUPS Tahunan Company Annual GMS Resolution
Age tanggal 12 Maret 2020. dated March 12, 2020.
60 Tahun Years Old
Domisili Memiliki hubungan afiliasi dengan She has affiliation with the controlling
Domicile pemegang saham utama sebagai shareholders as Finance Director of
Jakarta Direktur Keuangan PT Bank Maybank PT Bank Maybank Indonesia Tbk.
Indonesia Tbk.

.01 .02 .03 .04

Meraih gelar Sarjana Akuntansi, She obtained a Bachelor’s degree in
Fakultas Ekonomi dari Universitas Accounting, Faculty of Economics from
Indonesia (1987) dan meraih gelar the University of Indonesia (1987) and a
Magister Hukum Bisnis Fakultas Hukum Master’s in Business Law, Faculty of Law
dari Universitas Padjadjaran, Bandung from Padjadjaran University, Bandung
(2006). (2006).

• Direktur KAP Hadi Sutanto & Rekan • Director of KAP Hadi Sutanto & Rekan
(Price Waterhouse) (1987 - 2004) (Price Waterhouse) (1987 - 2004)
• Non-Equity Partner KAP Haryanto • Non-Equity Partner of KAP Haryanto
Sahari & Rekan (Pricewaterhouse Sahari & Rekan (Pricewaterhouse
Coopers) (2004 - 2007) Coopers) (2004 - 2007)
• Konsultan Tass Consulting • Consultant of Tass Consulting
(2007 - 2010) (2007 - 2010)
• Dosen Yayasan Pendidikan Bakrie • Lecturer of Bakrie Education
(2007 - 2009) Foundation (2007 - 2009)
• Anggota Komite Audit • Audit Committee Member of
PT Indo Tambangraya Megah Tbk PT Indo Tambangraya Megah Tbk
(2008 - 2012) (2008 - 2012)
• Ketua Ikatan Komite Audit Indonesia • Chairman of the Indonesia Audit
(2016 - 2019) Committee Association (2016 - 2019)

• Anggota Komite Audit PT Bumi • Audit Committee Member of PT Bumi
Resources Tbk (2012 - saat ini) Resources Tbk (2012 - present)
• Anggota Komite Audit Koperasi • Audit Committee Member of Mitra
Mitra Dhuafa (Komida) Dhuafa Cooperative (Komida)
• Ketua Komite Nominasi dan • Chairman of the Nomination
MYRNIE ZACHRAINI TAMIN Remunerasi PT Wahana Ottomitra and Remuneration Committee of
Multiartha Tbk (2020 - saat ini) PT Wahana Ottomitra Multiartha Tbk
(2020 - present)
Komisaris Independen • Anggota Komite Pemantau Risiko • Member of the Risk Monitoring
Independent Commissioner PT Wahana Ottomitra Multiartha Tbk Committee of PT Wahana Ottomitra
• Anggota Komite Audit PT Profesional • Member of the Audit Committee
Kewarganegaraan Telekomunikasi Indonesia Tbk of PT Professional Telekomunikasi
Citizenship (Protelindo) (2018 - saat ini) Indonesia Tbk (Protelindo)
Indonesia (2018 - present)
• Anggota Dewan Sertifikasi • Member of Certification Board
Umur Ikatan Komite Audit Indonesia of Indonesian Audit Committee
Age
• Anggota Komite Audit Universitas • Member of the Audit Committee
58 Tahun Years Old Indonesia (2020 - saat ini) of the University of Indonesia
(2020 - present)
Domisili • Anggota Komite Audit PT Medikaloka • Member of the Audit Committee
Domicile Hermina Tbk (2020 - saat ini) of PT Medikaloka Hermina Tbk
Bogor (2020 - present)

Diangkat sebagai Komisaris Independen She was appointed as Independent
Perseroan pada tahun 2010 dan Commissioner since 2010 and
diangkat kembali sebagai Komisaris reappointed as Independent
Independen Perseroan berdasarkan Commissioner of the Company
Keputusan RUPS Tahunan tanggal pursuant to the Company Annual GMS
12 Maret 2020. Resolution dated March 12, 2020.
Pernyataan Independensi Declaration of Independence

Beliau telah menyatakan pernyataan She has declared her independence
independensi pada tanggal 27 Februari statement on February 27, 2020.
2020.

Beliau tidak memiliki hubungan afiliasi She does not have any affiliate
pengendali. Controlling and Major Shareholders.

.05 .06 .07
Profil Direksi
Board of Directors Profile

Meraih gelar Bsc Finance dari California He obtained a Bsc in Finance from
State University of Sacramento, USA California State University of
(1986). Sacramento, USA (1986).

• Management Trainee, all banking • Management Trainee, all banking
activities, PT Bank Maybank Indonesia activities, PT Bank Maybank Indonesia
Tbk Juanda Branch, Jakarta Tbk Juanda Branch, Jakarta
(1987 - 1988) (1987 - 1988)
• Account Officer, Corporate Credit • Account Officer, Corporate Credit
& Marketing, PT Bank Maybank & Marketing, PT Bank Maybank
Indonesia Tbk Thamrin Main Branch, Indonesia Tbk Thamrin Main Branch,
Jakarta (1988 - 1989) Jakarta (1988 - 1989)
• Manager, Corporate Credit and • Manager, Corporate Credit and
Marketing, PT Bank Maybank Marketing, PT Bank Maybank
Indonesia Tbk Thamrin Main Branch, Indonesia Tbk Thamrin Main Branch,
Jakarta (1990 - 1991) Jakarta (1990 - 1991)
• Senior Manager, Sub Branch Manager, • Senior Manager, Sub Branch Manager,
PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
Tanah Abang Branch, Jakarta Tanah Abang Branch, Jakarta
(1991 - 1992) (1991 - 1992)
• AVP Branch Manager, PT Bank • AVP Branch Manager, PT Bank
Maybank Indonesia Tbk Bandung Maybank Indonesia Tbk Bandung
Branch, West Java (1993 - 1996) Branch, West Java (1993 - 1996)
• VP Deputy Area Manager for • VP Deputy Area Manager for Middle
DJAJA SURYANTO SUTANDAR* Middle & West Java Area, & West Java Area, PT Bank Maybank
PT Bank Maybank Indonesia Tbk Indonesia Tbk Bandung, West Java
Presiden Direktur Bandung, West Java (1996 - 1996) (1996 - 1996)
President Director • VP Branch Manager, PT Bank • VP Branch Manager, PT Bank
Maybank Indonesia Tbk Kalibesar Maybank Indonesia Tbk Kalibesar
Branch Jakarta (1996 - 1999) Branch Jakarta (1996 - 1999)
• VP Temporary Head of Credit • VP Temporary Head of Credit
Review Division PT Bank Maybank Review Division PT Bank Maybank
Indonesia Tbk , Thamrin Head Office Indonesia Tbk , Thamrin Head Office
Kewarganegaraan (2000 - 2000) (2000 - 2000)
Citizenship • SVP Regional Head for Sumatera • SVP Regional Head for Sumatera
Indonesia PT Bank Maybank Indonesia Tbk, PT Bank Maybank Indonesia Tbk,
Sumatera (1999 - 2002) Sumatera (1999 - 2002)
Umur • SVP Regional Head East Java & • SVP Regional Head East Java &
Age Eastern part of Indonesia PT Bank Eastern part of Indonesia PT Bank
57 Tahun Years Old Maybank Indonesia Tbk Surabaya Maybank Indonesia Tbk Surabaya
(2002 - 2002) (2002 - 2002)
• Regional Sales Head East Java, Bali, • Regional Sales Head East Java, Bali,
Domisili
NTT/NTB PT Bank Maybank Indonesia NTT/NTB PT Bank Maybank Indonesia
Domicile Tbk , Surabaya (2003 - 2005) Tbk , Surabaya (2003 - 2005)
Jakarta • Regional Sales Head PT Bank Maybank • Regional Sales Head PT Bank Maybank
Indonesia Tbk , Jakarta (2005 - 2005) Indonesia Tbk , Jakarta (2005 - 2005)
• SVP Chief National Sales Officer • SVP Chief National Sales Officer
*) Diangkat sebagai Sekretaris Perusahaan pada PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
tanggal 15 November 2021. Jakarta (2005 - 2007) Jakarta (2005 - 2007)
*) Appointed as Corporate Secretary on • SVP Chief Secured Loan Officer • SVP Chief Secured Loan Officer
November 15, 2021.
PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
Jakarta (2007 - 2010) Jakarta (2007 - 2010)
• EVP Regional & Branch Network • EVP Regional & Branch Network
Development Head PT Bank Maybank Development Head PT Bank Maybank
Indonesia Tbk , Jakarta (2011 - 2011) Indonesia Tbk , Jakarta (2011 - 2011)
• Presiden Komisaris PT Maybank • President Commissioner of
Indonesia Finance, Jakarta PT Maybank Indonesia Finance,
(2007 - 2013) Jakarta (2007 - 2013)
• Komisaris PT Maybank Indonesia • Commissioner of PT Maybank
Finance, Jakarta (2013 - 2017) Indonesia Finance, Jakarta
(2013 - 2017)

.01 .02 .03 .04

• Ketua Komite Manajemen Risiko • Chairman of the Risk Management
• Ketua Komite Pengarah Teknologi • Chairman of the Information Technology
Informasi PT Wahana Ottomitra Multiartha Steering Committee of PT Wahana
Tbk (2021 - saat ini) Ottomitra Multiartha Tbk (2021 - present)
• Sekretaris Perusahaan PT Wahana Ottomitra • Corporate Secretary of
Multiarta Tbk (2021 - saat ini) PT Wahana Ottomitra Multiarta Tbk
(2021 - present)

Diangkat sebagai Presiden Direksi Perseroan He was appointed as President Director of
pada tahun 2011 dan diangkat kembali the Company in 2011 and reappointed as
sebagai Presiden Direksi Perseroan President Director pursuant to the Company
berdasarkan Keputusan RUPS Tahunan Annual GMS Resolution dated March 12, 2020.
tanggal 12 Maret 2020.
Tugas dan Tanggung Jawab Duties and Responsibilities

Memimpin dan mengelola Perseroan He is in charge of leading and managing
termasuk memberikan arahan strategis the Company including providing strategic
dalam hal kebijakan dan strategi di lingkup directives in terms of policies and strategies
pengembangan bisnis, manajemen risiko, in business development, risk management,
operasional, keuangan dan sumber daya operations, finance and human resources,
manusia, agar sesuai dengan tujuan in order to be in line with the Company’s
Perseroan. Serta memantau dan memastikan objectives. He is also in charge of monitoring
kegiatan operasional berjalan secara efektif, and ensuring effective and efficient operations
efisien dengan mengedepankan kualitas, activities by emphasizing on quality, service
service excellence serta berpedoman pada excellence with due observance to the
prinsip Good Corporate Governance. principles of Good Corporate Governance.

Beliau tidak memiliki hubungan afiliasi baik He does not have any affiliate relationships
dengan anggota Direksi, anggota Dewan with members of the Board of Directors,
Komisaris lainnya maupun dengan Pemegang members of the Board of Commissioners or
Saham Utama dan pengendali. the Controlling and Major Shareholders.

.05 .06 .07

Meraih gelar Sarjana Manajemen He obtained a Bachelor’s Degree in
Keuangan Fakultas Ekonomi dari Financial Management, Economics
Universitas Katolik Atma Jaya, Jakarta Faculty from University of Atma Jaya,
(2003). Jakarta (2003).

• Staf Pemasaran PT Asuransi Dayin • Marketing Staff of PT Asuransi
Mitra Tbk (2001 - 2003) Dayin Mitra Tbk (2001 - 2003)
• Associate Operation/ Planning - • Associate Operation/Planning - Assistant
Assistant Manager PT Bank Danamon Manager of PT Bank Danamon
Indonesia Tbk (2003 - 2006) Indonesia Tbk (2003 - 2006)
• AVP Planning & Monitoring Para • AVP Planning & Monitoring of Para
Group (Bank Mega) (2006 - 2007) Group (Bank Mega) (2006 - 2007)
• SAVP Budgeting & Financial Forecast • SAVP Budgeting & Financial
Division Head PT Bank CIMB Niaga Forecast Division Head of PT Bank
Tbk (2007 - 2010) CIMB Niaga Tbk (2007 - 2010)
• VP Consumer Strategy & MIS Head • VP Consumer Strategy & MIS Head
PT Bank Maybank Indonesia Tbk of PT Bank Maybank Indonesia Tbk
Tahun (2010 - 2011) (2010 - 2011)
• Senior Manager Business Analyst • Senior Manager Business Analyst
ZACHARIA SUSANTADIREDJA* Report to Managing Director Report to Managing Director
Property, Infrastructure & Media Property, Infrastructure & Media of
Direktur PT Rajawali Corpora (2011 - 2012) PT Rajawali Corpora (2011 - 2012)
Director • Financial Controller PT Wahana • Financial Controller of PT Wahana
Ottomitra Multiartha Tbk Ottomitra Multiartha Tbk
(2012 - 2013) (2012 - 2013)

Kewarganegaraan Sekretaris Perusahaan PT Wahana Corporate Secretary of PT Wahana
Citizenship Ottomitra Multiarta Tbk (2014 - 2021) Ottomitra Multiarta Tbk (2014 - 2021)
Indonesia
Umur Diangkat sebagai Direksi Perseroan He was appointed as Director of the
Age pada tahun 2013 dan diangkat kembali Company in 2013 and reappointed
42 Tahun Years Old sebagai Direksi Perseroan berdasarkan as Director pursuant to the Company
Keputusan RUPS Tahunan tanggal Annual GMS Resolution dated March
Domisili 12 Maret 2020. 12, 2020.
Domicile
Tangerang Tugas dan Tanggung Jawab Duties and Responsibilities
Bertanggung jawab terhadap seluruh He is in charge of all the Company’s
pengelolaan keuangan Perseroan financial management as well as to
*) Mengundurkan diri sebagai Direktur dan serta memantau dan memastikan monitor and ensure that the Company’s
Sekretaris Perusahaan pada tanggal pengelolaan keuangan Perseroan sesuai financial management is in accordance
15 November 2021.
*) Resigned as Director and Corporate Secretary
dengan peraturan internal Perseroan, with the Company’s internal rules,
on November 15, 2021. dan peraturan perundang undangan and prevailing regulatories, policies
yang berlaku, kebijakan dan prosedur and procedures as well as standard
serta standar akuntansi keuangan di of financial accounting in Indonesia.
Indonesia. Selain itu membuka dan In addition, he is responsible for
menjalin hubungan kerjasama dengan opening and maintaining cooperation
pihak lain dalam rangka mendapatkan with other parties in order to obtain
investor yang tepat bagi Perseroan appropriate investors for the Company,
sebagai pelaksanaan fungsi corporate as the implementation of corporate
secretary di Perseroan dalam rangka secretary functions hence to maintain
menjaga dan memperkuat image and strengthen the Company’s image
Perseroan di mata publik. to the public.


.01 .02 .03 .04

Meraih gelar Sarjana Manajemen He obtained a Bachelor’s Degree in
Informatika dari Universitas Gunadarma, Management Informatics from University
Jakarta (1993). of Gunadarma, Jakarta (1993).

• Group Head of Operation and IT • Group Head of Operation and IT
PT Bank MNC Indonesia Tbk of PT Bank MNC Indonesia Tbk
(2002 - 2008) (2002 - 2008)
• Group Head of Operation PT Bank • Group Head of Operation of PT Bank
MNC Indonesia Tbk (2008 - 2010) MNC Indonesia Tbk (2008 - 2010)
• Acting Service Quality Head PT Bank • Acting Service Quality Head of
Maybank Indonesia Tbk (2011) PT Bank Maybank Indonesia Tbk (2011)
• Regional Operation Head Sumatera • Regional Operation Head Sumatra
(2010 - 2011) (2010 - 2011)
• Regional Operation Head Ekajiwa • Regional Operation Head Ekajiwa
(2011 - 2012) (2011 - 2012)
• Head Operation Support Jakarta • Head of Operation Support Jakarta
ANTHONY YUAREZ PANGGABEAN Ekajiwa dan Puri Kencana PT Bank Ekajiwa and Puri Kencana of PT Bank
Maybank Indonesia Tbk (2012 - 2013) Maybank Indonesia Tbk (2012 - 2013)
Direktur • International Assigment in Maybank • International Assigment in Maybank
Director KL involved in Regional Banking System KL involved in Regional Banking
Project PT Bank Maybank Indonesia Tbk System Project of PT Bank Maybank
(2013 - 2014) Indonesia Tbk (2013 - 2014)
• IT Risk Management Head PT Bank • IT Risk Management Head PT Bank
Maybank Indonesia Tbk (2015 - 2016) Maybank Indonesia Tbk (2015 - 2016)
Kewarganegaraan
Citizenship Rangkap Jabatan Concurrent Positions
Indonesia • Anggota Komite Manajemen Risiko • Member of the Risk Management
Umur (2016 - saat ini) Multiartha Tbk (2016 - present)
Age • Anggota Komite Pengarah Teknologi • Member of the Information
59 Tahun Years Old Informasi PT Wahana Ottomitra Technology Steering Committee of
Multiartha Tbk (2021 - saat ini) PT Wahana Ottomitra Multiartha Tbk
Domisili (2021 - present).
Domicile
Tangerang Selatan

.05 .06 .07

Diangkat sebagai Direksi Perseroan He was appointed as Director of the
pada tahun 2016 dan diangkat kembali Company in 2016 and reappointed
sebagai Direksi Perseroan berdasarkan as Director pursuant to the Company
Keputusan RUPS Tahunan tanggal Annual GMS Resolution dated
12 Maret 2020. March 12, 2020.
Beliau menjabat sebagai Direktur He has served as Director of the Company

Perseroan sejak 2016 dan diangkat since 2016 and was reappointed as
kembali sebagai Direktur berdasarkan Director based on the Deed of Company
Akta Pernyataan Keputusan Rapat Meeting Resolution Statement No. 30
Perseroan No. 30 tanggal 31 Mei 2017 dated May 31, 2017 made before Rini
dibuat dihadapan Rini Yulianti, S.H., Yulianti, S.H., Notary in East Jakarta.
Notaris di Kota Jakarta Timur.

Bertanggung jawab terhadap seluruh He is in charge of leading and managing
pengelolaan kegiatan operasional the Company including providing
yang meliputi pada penyusunan dan in charge of all the operations
penetapan policy dan procedure yang activities management including the
berlaku pada internal Perseroan, development and stipulation of policies
penyelenggaraan fungsi service, contact and procedures applicable in the
center, quality assurance, litigasi dan Company’s internal, implementation of
information technology. service, contact center, quality assurance,
litigation and Information Technology
of the Company.

baik dengan anggota Direksi, anggota relationships with members of the Board
Dewan Komisaris lainnya maupun of Directors, members of the Board of
dengan Pemegang Saham Utama dan Commissioners or the Controlling and
pengendali. Major Shareholders.

.01 .02 .03 .04

Menyelesaikan pendidikan Jurusan He finished his Accounting education
Akuntansi dari Universitas Katolik Atma from Catholic University of Atma Jaya
Jaya (2002) dan Jurusan Keuangan dari (2002) and his Financial education from
Universitas Gadjah Mada, Yogyakarta University of Gadjah Mada, Yogyakarta
(2013). (2013).

• Kantor Akuntan Publik Trisno, Agoes • Auditor of Public Accounting Firm
dan Rekan, Auditor (2003) Trisno, Agoes dan Rekan (2003)
• Internal Audit Team Leader PT BFI • Internal Audit Team Leader of PT BFI
Finance Indonesia Tbk (2003 - 2006) Finance Indonesia Tbk (2003 - 2006)
• Credit Operation Manager PT BFI • Credit Operation Manager of PT BFI
Finance Indonesia Tbk (2007 - 2010) Finance Indonesia Tbk (2007 - 2010)
• Associate Dept Head Risk Management • Associate Dept Head Risk Management
PT BFI Finance Indonesia Tbk of PT BFI Finance Indonesia Tbk
(2010 - 2011) (2010 - 2011)
• Credit Policy & Development Dept • Credit Policy & Development Dept
Head PT OTO Multiartha (2011) Head of PT OTO Multiartha (2011)
• SVP Portfolio Mgt & Risk Analytic • SVP Portfolio Mgt & Risk Analytic of
PT BFI Finance Indonesia Tbk PT BFI Finance Indonesia Tbk
(2011 - 2016) (2011 - 2016)
NJAUW VIDO ONADI
• Anggota Komite Pengarah Teknologi • Member of the Information
Direktur Informasi PT Wahana Ottomitra Technology Steering Committee of
Director Multiartha Tbk (2021 - saat ini) PT Wahana Ottomitra Multiartha Tbk
(2021 - present)
• Wakil Ketua Komite Manajemen Risiko • Vice Chairmanof the Risk Management
Kewarganegaraan
Citizenship Dasar Hukum Penunjukkan Basis of Appointment
Indonesia Diangkat sebagai Direksi Perseroan He was appointed as Director of the
pada tahun 2016 dan diangkat kembali Company in 2016 and reappointed
Umur sebagai Direksi Perseroan berdasarkan as Director pursuant to the Company
Age Keputusan RUPS Tahunan tanggal Annual GMS Resolution dated
42 Tahun Years Old 12 Maret 2020. March 12, 2020.
Domisili Tugas dan Tanggung Jawab Duties and Responsibilities

Domicile Memantau dan memastikan fungsi He is in charge of monitoring and
Jakarta manajemen risiko di Perseroan berjalan ensuring effective implementation of risk
efektif, mengarahkan dan memantau management function in the Company,
aktivitas initiation credit agar berjalan directing and monitoring effective credit
efektif dalam rangka mendorong initiation activities for the improvement
pertumbuhan bisnis Perseroan dengan of the Company’s business growth with
kualitas portfolio yang baik. good portfolio quality.
Hubungan Afiliasi Affiliatied Relationship

baik dengan anggota Direksi, anggota relationships with members of the Board
Dewan Komisaris lainnya maupun of Directors, members of the Board of
dengan Pemegang Saham Utama dan Commissioners or the Controlling and
pengendali. Major Shareholders.

.05 .06 .07

Menyelesaikan pendidikan Jurusan He graduated from Economic Accounting
Ekonomi Akuntansi dari STIE YKPN from STIE YKPN Yogyakarta (1997).
Yogyakarta (1997).

• Branch Manager (2004 - 2012), Branch • Branch Manager (2004 - 2012), Main
Manager Main Branch (2013) dan Area Branch Branch Manager (2013) and
Manager Jawa Timur 1 PT BFI Finance Area Manager East Java 1 of PT BFI
Indonesia Tbk (2014 - 2015) Finance Indonesia Tbk (2014 - 2015)
• Regional Office Head East Java & • Regional Office Head East Java &
Kalimantan PT Buana Finance Tbk Kalimantan of PT Buana Finance Tbk
(2015 - 2016) (2015 - 2016)
• Business Director PT Serba Mulia Auto • Business Director of PT Serba Mulia
(2017 - 2019) Auto (2017 - 2019)
• Chief Marketing Officer • Chief Marketing Officer of
PT Wahana Ottomitra Multiartha Tbk PT Wahana Ottomitra Multiartha
(2019 - 2020) Tbk (2019 - 2020)

• Anggota Komite Pengarah Teknologi • Member of the Information
Informasi PT Wahana Ottomitra Technology Steering Committee of
WIBOWO Multiartha Tbk (2021 - saat ini) PT Wahana Ottomitra Multiartha
Tbk (2021 - present)
• Anggota Komite Manajemen Risiko • Member of the Risk Management
Direktur PT Wahana Ottomitra Multiartha Tbk Committee of PT Wahana Ottomitra
Director (2016 - saat ini) Multiartha Tbk (2016 - present)

Pertama kali diangkat sebagai Direktur He was appointed as Director of the
Perseroan melalui RUPS Luar Biasa Company for the first term pursuant to
Kewarganegaraan tanggal 10 Oktober 2019 dan diangkat the Extraordinary GMS dated October
Citizenship kembali sebagai Direksi Perseroan 10, 2019 and reappointed as Director
Indonesia berdasarkan Keputusan RUPS Tahunan pursuant to the Company Annual GMS
tanggal 12 Maret 2020 dan mulai aktif Resolution dated March 12, 2020. His
Umur menjabat berdasarkan Akta Pernyataan position was effective based on the
Age Keputusan Rapat Perseroan No. 181 Deed of Company Meeting Resolution
48 Tahun Years Old tanggal 30 Juli 2020 yang dibuat Statement No. 181 dated July 30, 2020
dihadapan Aulia Taufani, S.H., Notaris di made before Aulia Taufani, S.H., Notary
Domisili Kota Administrasi Jakarta Selatan. in South Jakarta.
Domicile
Tangerang Selatan Tugas dan Tanggung Jawab Duties and Responsibilities
Merencanakan dan menyusun He is in charge of planning and
Marketing Strategic Plan termasuk developing the Marketing Strategic
di dalamnya merencanakan budget Plan including its operations budget
operasional Direktorat dibawahnya, planning for the Directorates under its
serta mengkomunikasikannya kepada delegation, as well as communicating
seluruh jajaran executive management it to all executive managements. He
serta memantau dan memastikan also monitors and ensures that all of
seluruh kegiatan pengembangan bisnis the Company’s business development
Perseroan dan implementasi kebijakan activities and marketing policy
marketing yang diterapkan di Perseroan implementation set out by the
berjalan sesuai yang ditetapkan Company are performed according to
Perseroan. the Company’s stipulations.


.01 .02 .03 .04
Profil Dewan Pengawas Syariah

Sharia Supervisory Board Profile

Meraih pendidikan sarjana dengan jurusan He obtained a bachelor's degree majoring
Dakwah di Universitas Al-Azhar, Kairo, in Da'wah at Al-Azhar University, Cairo,
Mesir (1979), pendidikan pascasarjana Egypt (1979), a master's degree in Islamic
dengan jurusan Pendidikan Islam di Education department at the Islamic
Universitas Islam Kairo Mesir (1991) University of Cairo Mesir (1991) and a
dan pendidikan Doktor dengan jurusan doctoral degree in Islamic Education at the
Pendidikan Islam di Universitas Islam State Islamic University Syarif Hidayatullah,
Negeri Syarif Hidayatullah, Jakarta (2008). Jakarta (2008).

• Ketua Sekolah Tinggi Agama Islam • Head of Attaqwa Islamic High School
Attaqwa (1991 - 2001) (1991 - 2001)
• Dosen Tidak Tetap Ilmu Pendidikan • Non-Permanent Lecturer of Islamic
Islam pada Fakultas Tarbiyah IAIN Education at the Tarbiyah Faculty of IAIN
Syahid, Jakarta, Sekolah Tinggi Ekonomi Syahid, Jakarta, the Indonesian College
dan Perbankan Indonesia (STEKPI) of Economics and Banking (STEKPI) and
dan Fakultas Agama Islam UNISMA the Faculty of Islamic Religion UNISMA
(Universitas Islam) Bekasi (2002 - 2004) (Islamic University) Bekasi (2002 - 2004)

• Dosen Tetap Sekolah Tinggi Agama • Permanent Lecturer at Attaqwa
DR. H. ABDUL JABAR MAJID, MA Islam Attaqwa, Bekasi, dalam Islamic High School, Bekasi, in Islamic
Bidang Ilmu Pendidikan Islam, Education, History of Islamic Education,
Ketua Sejarah Pendidikan Islam, Pemikiran Islamic Education Thinking, Thematic
Chairman Pendidikan Islam, Tafsir Tematik Interpretation and Capita Selecta of
dan Kapita Selekta Pendidikan Islam Islamic Education (1992 - present)
(1992 - saat ini)
• Anggota Dewan Pengawas • Sharia Supervisory Board Members of
Syariah Unit Usaha Syariah PT Bank Maybank Indonesia Tbk Sharia
Kewarganegaraan PT Bank Maybank Indonesia Tbk Business Unit (2003 - present)
Citizenship (2003 - saat ini)
Indonesia
Umur Diangkat oleh Rapat Umum Pemegang Saham He was appointed by the Extraordinary
Age Luar Biasa sebagai Ketua Dewan Pengawas General Meeting of Shareholders as
69 Tahun Years Old Syariah Perseroan pertama kali pada tahun Chairman of the Company's Sharia
2011 dan terakhir kali diangkat kembali Supervisory Board for the first time in 2011
sebagai Ketua Dewan Pengawas Syariah and was last reappointed as Chairman of
Domisili
Perseroan berdasarkan Keputusan Rapat the Company's Sharia Supervisory Board
Domicile
Umum Pemegang Saham Tahunan tanggal 12 based on the Resolution of the Annual
Bekasi Maret 2020. General Meeting of Shareholders dated
March 12, 2020.

.05 .06 .07

Berdasarkan Anggaran Dasar Perseroan, Based on the Company’s Articles of
tugas dan tanggung jawab Dewan Association, the duties and responsibilities
Pengawas Syariah adalah sebagai berikut: of Sharia Supervisory Board are as follows:
1. Sebagai perwakilan Perseroan pada 1. Representing the Company at the
Dewan Syariah Nasional Majelis Ulama National Sharia Board of the Indonesian
Indonesia (“DSN-MUI”) Ulema Council ("DSN-MUI")
2. Berfungsi sebagai pengawas aspek 2. Becoming a supervisor for the sharia
syariah kegiatan operasional Unit aspects of the Company’s Sharia
Usaha Syariah Perseroan agar sesuai Business Unit operational activities to
dengan prinsip syariah conform to sharia principles
3. Berfungsi sebagai penasehat dan 3. Becoming an advisor and providing
memberi saran kepada Direksi, advice to the Board of Directors, the
Pimpinan Unit Usaha Syariah dan Head of Sharia Business Unit and the
Pimpinan Kantor Cabang Syariah Head of Sharia Branch Unit regarding
Perseroan mengenai hal-hal yang matters related to sharia principles
terkait dengan prinsip syariah
4. Berfungsi sebagai mediator Perseroan 4. Becoming a communications mediator
dengan Dewan Syariah Nasional dalam between the Company and National
mengomunikasikan usul dan saran Sharia Board concerning the proposals
pengembangan produk dan jasa yang and suggestions of product and
memerlukan kajian dan fatwa dari DSN service development requiring reviews
and fatwas from the DSN
Dalam menjalankan fungsinya, Dewan In carrying out its functions, the Sharia
Pengawas Syariah wajib: Supervisory Board shall:
a. Mengikuti fatwa DSN-MUI; dan a. Follow the fatwa of the DSN-MUI; and
b. Melaporkan kegiatan usaha serta b. Report the Company’s Sharia business
pengembangan Unit Usaha Syariah activity and its development to
Perseroan kepada DSN-MUI sesuai the DSN-MUI in accordance with
dengan ketentuan yang ditetapkan the provisions established by the
oleh DSN-MUI. DSN-MUI.

Beliau tidak memiliki hubungan afiliasi He has no affiliation with members of the
baik dengan anggota Direksi, anggota Board of Directors, Board of Commissioners
Dewan Komisaris lainnya maupun dengan or with the major controlling Shareholders.
Pemegang Saham Utama dan pengendali.

.01 .02 .03 .04

Menyelesaikan pendidikan sarjana He obtained a bachelor's degree
dengan jurusan Manajemen Perusahaan majoring in Corporate Management at
di Universitas Airlangga, Surabaya (1983). Airlangga University, Surabaya (1983).
Pengalaman Kerja & Rangkap Jabatan Work Experience & Concurrent Positions
• Direktur Utama PT BPRS Amanah • President Director of PT BPRS Amanah
Insani (1997 - saat ini) Insani (1997 - present)
• Bendahara Yayasan di Yayasan • Treasurer of the Foundation at Sulthon
Sulthon Aulia (YSA) dan Sekretaris Aulia Foundation (YSA) and Secretary
Badan Pengelola Sekolah Sulthon of the Sulthon Aulia Boarding School
Aulia Boarding School (SABS) (SABS) School Management Agency
• Distributor Independen PT Enagic • Independent Distributor of PT Enagic
Indonesia (2015 - saat ini) Indonesia (2015 - present)

Diangkat oleh Rapat Umum Pemegang He was appointed by the Extraordinary
Saham Luar Biasa sebagai anggota Dewan General Meeting of Shareholders as
Pengawas Syariah Perseroan pertama kali a member of the Company's Sharia
pada tahun 2008 dan terakhir kali diangkat Supervisory Board for the first time in 2008
kembali sebagai Dewan Pengawas Syariah and was last reappointed as the Company's
H. MUH. TAUFIK DARMANSYAH, SE, CPA Perseroan berdasarkan Keputusan Rapat Sharia Supervisory Board based on the
Umum Pemegang Saham Tahunan tanggal Resolution of the Annual General Meeting
12 Maret 2020. of Shareholders dated March 12, 2020.
Anggota
Member Tugas dan Tanggung Jawab Duties and Responsibilities
Berdasarkan Anggaran Dasar Perseroan, Based on the Company’s Articles
tugas dan tanggung jawab Dewan of Association, the duties and
Pengawas Syariah adalah sebagai responsibilities of Sharia Supervisory
berikut: Board are as follows:
Kewarganegaraan 1. Sebagai perwakilan Perseroan pada 1. Representing the Company at
Citizenship DSN-MUI DSN-MUI
Indonesia 2. Berfungsi sebagai pengawas aspek 2. Becoming a supervisor for the sharia
Umur Usaha Syariah Perseroan agar sesuai Business Unit operational activities to
Age dengan prinsip syariah conform to sharia principles
65 Tahun Years Old 3. Berfungsi sebagai penasehat dan 3. Becoming an advisor and providing
memberi saran kepada Direksi, advice to the Board of Directors,
Domisili Pimpinan Unit Usaha Syariah dan the Head of Sharia Business Unit
Domicile Pimpinan Kantor Cabang Syariah and the Head of Sharia Branch Unit
Bekasi Perseroan mengenai hal-hal yang regarding matters related to sharia
terkait dengan prinsip syariah principles
4. Berfungsi sebagai mediator 4. Becoming a communications mediator
Perseroan dengan Dewan Syariah between the Company and National
Nasional dalam mengomunikasikan Sharia Board concerning the proposals
usul dan saran pengembangan and suggestions of product and service
produk dan jasa yang memerlukan development requiring reviews and
kajian dan fatwa dari DSN fatwas from the DSN
a. Mengikuti fatwa DSN-MUI; dan a. Follow the fatwa of the DSN-MUI; and
b. Melaporkan kegiatan usaha serta b. Report the Company’s Sharia
pengembangan Unit Usaha Syariah business activity and its development
Perseroan kepada DSN-MUI sesuai to the DSN-MUI in accordance with

Beliau tidak memiliki hubungan afiliasi He has no affiliation with members
baik dengan anggota Direksi, anggota of the Board of Directors, Board of
Dewan Komisaris lainnya maupun Commissioners or with the major
dengan Pemegang Saham Utama dan controlling Shareholders.
pengendali.

.05 .06 .07

Menyelesaikan pendidikan sarjana He obtain a bachelor's degree in
dengan jurusan Peternakan di Institut Animal Husbandry at the Bogor
Pertanian Bogor, Bogor (1984), Agricultural Institute, Bogor (1984),
pendidikan pascasarjana dengan jurusan a master's degree in Regional and
Perencanaan Pembangunan Wilayah Rural Development Planning at Bogor
dan Pedesaan di Institut Pertanian Bogor, Agricultural University, Bogor (1990), a
Bogor (1990), pendidikan pascasarjana master's degree in Economics program
jurusan program Ekonomi di University at the University of New England,
of New England, Australia (1996), dan Australia (1996), and a Doctoral degree
pendidikan Doktor dengan jurusan in Economics program at the University
program Ekonomi di University of New of New England, Australia (2001).
England, Australia (2001).

• Staff Ahli Bidang BUMN di Komisi V, • Expert Staff for SOEs in Commission V,
DPR RI (2001 - 2004) DPR RI (2001 - 2004)
• Dosen Ekonomi Islam di UIN Jakarta • Lecturer in Islamic Economics at UIN
dengan pangkat Lektor (IV/a) (2002) Jakarta with the rank of Lector (IV/a)
(2002)
• Vice President MACON International • Vice President of MACON International
Consultant (2004) Consultant (2004)
• Direktur Pusat Komunikasi Ekonomi • Director of Sharia Economics
DR. IR. H. M. NADRATUZZAMAN Syariah (PKES) (2005 - 2009) Communication Center (PKES)
HOSEN (2005 - 2009)
• Anggota Komisi Fatwa MUI • Member of the MUI Fatwa Commission
Anggota (2005 - 2010) (2005 - 2010)
Member • Direktur LPPOM MUI (2006 - 2009) • Director of LPPOM MUI (2006 - 2009)
• President World Halal Council • President of the World Halal Council
(2006 - 2009) (2006 - 2009)
• Dekan Fakultas Ekonomi YARSI • Dean of YARSI Faculty of Economics
(2009 - 2011) (2009 - 2011)
Kewarganegaraan • Wakil Sekjen Masyarakat Ekonomi • Deputy Secretary General of the
Citizenship Syariah (MES) (2009 - 2012) Islamic Economic Community (MES)
(2009 - 2012)
Indonesia
• Bendahara MUI Pusat dan Bendahara • Treasurer of Central MUI and MUI DSN
DSN MUI (2010 - 2015) (2010 - 2015)
Umur
• Ketua Pusat Pengkajian dan • Head of Center for the Study and
Age Pengembangan Ekonomi Islam di UIN Development of Islamic Economics at
60 Tahun Years Old (2011 - 2013) UIN (2011 - 2013)
• Direktur Executive Islamic Banking • Executive Director of Islamic Banking
Domisili and Finance (IBFI) (2011 - 2013) and Finance (IBFI) (2011 - 2013)
Domicile • Dewan Pengawas Syariah PT Maybank • Sharia Supervisory Board of PT Maybank
Bogor Indonesia Finance (2011 - 2017) Indonesia Finance (2011 - 2017)
• Direktur DSN MUI Institute • Director of DSN MUI Institute
(2015 - 2016) (2015 - 2016)
• Ketua Pusat Penelitian dan • Head of Research and Development
Pengembangan Produk Halal, Center for Halal Products, UIN Syarif
UIN Syarif Hidayatullah, Jakarta Hidayatullah, Jakarta (2016 - 2017)
(2016 - 2017)
• Dewan Pengawas Syariah PT GAP • Sharia Supervisory Board of PT GAP
Capital (2016 - 2020) Capital (2016 - 2020)

.01 .02 .03 .04

• Dewan Pengawas Syariah PT MNC Guna • Sharia Supervisory Board of PT MNC
Usaha Indonesia (2016 - saat ini) Guna Usaha Indonesia (2016 - present)
• Dewan Pengawas Syariah PT Treasure • Sharia Supervisory Board of PT Treasure
Fund Investama (2016 - 2021) Fund Investama (2016 - 2021)
• Dewan Pengawas Syariah • Sharia Supervisory Board of
PT Danareksa Investment Management PT Danareksa Investment Management
• Anggota Pengurus BAZNAS Pusat • Member of the Central BAZNAS
(2020 - saat ini) Management (2020 - present)
• Dewan Penasihat TAPERA (2020 - saat ini) • Advisory Board of TAPERA (2020 - present)
• Wakil Ketua Badan Pelaksana Harian • Deputy Chairman of the Daily Executing
(BPH) Dewan Syariah Nasional Majelis Body (BPH) of the National Sharia
Ulama Indonesia (2020 - saat ini) Board of the Indonesian Ulema Council
(2020 - present)
• Sekretaris Dewan Halal Nasional Majelis • Secretary of the National Halal Board
Ulama Indonesia (2020 - saat ini) of the Indonesian Ulama Council
(2020 - present)

Diangkat sebagai Dewan Pengawas Syariah He was appointed as the Company's Sharia
Perseroan pertama kali pada tahun 2011 dan Supervisory Board for the first time in 2011
terakhir kali diangkat kembali sebagai Dewan and the last time he was reappointed as
Pengawas Syariah Perseroan berdasarkan the Company's Sharia Supervisory Board
Keputusan Rapat Umum Pemegang Saham based on the Resolution of the Annual
Tahunan tanggal 12 Maret 2020. General Meeting of Shareholders dated
March 12, 2020.

Berdasarkan Anggaran Dasar Perseroan, Based on the Company’s Articles of
tugas dan tanggung jawab Dewan Association, the duties and responsibilities
Pengawas Syariah adalah sebagai berikut: of Sharia Supervisory Board are as follows:
1. Sebagai perwakilan Perseroan pada 1. Representing the Company at
DSN-MUI DSN-MUI
2. Berfungsi sebagai pengawas aspek 2. Becoming a supervisor for the sharia
Usaha Syariah Perseroan agar sesuai Business Unit operational activities to
dengan prinsip syariah conform to sharia principles
3. Berfungsi sebagai penasehat dan 3. Becoming an advisor and providing
memberi saran kepada Direksi, advice to the Board of Directors,
Pimpinan Unit Usaha Syariah dan the Head of Sharia Business Unit
Pimpinan Kantor Cabang Syariah and the Head of Sharia Branch Unit
Perseroan mengenai hal-hal yang regarding matters related to sharia
terkait dengan prinsip syariah principles
4. Berfungsi sebagai mediator Perseroan 4. Becoming a communications mediator
dengan Dewan Syariah Nasional between the Company and National
dalam mengomunikasikan usul dan Sharia Board concerning the proposals
saran pengembangan produk dan jasa and suggestions of product and service
yang memerlukan kajian dan fatwa development requiring reviews and
dari DSN fatwas from the DSN
a. Mengikuti fatwa DSN-MUI; a. Follow the fatwa of the DSN-MUI; and
b. dan Melaporkan kegiatan usaha serta b. Report the Company’s Sharia
pengembangan Unit Usaha Syariah business activity and its development
Perseroan kepada DSN-MUI sesuai to the DSN-MUI in accordance with

Beliau tidak memiliki hubungan afiliasi He has no affiliation with members
baik dengan anggota Direksi, anggota of the Board of Directors, Board of
Dewan Komisaris lainnya maupun dengan Commissioners or with the major
Pemegang Saham Utama dan pengendali. controlling Shareholders.

.05 .06 .07
Pejabat Senior
Senior Management
Chief
Ekanto Wijonosunu Cincin Lisa Hadi

Chief Human Capital Officer Chief Financial Officer
Usia 61 tahun. Beliau menjabat sebagai Chief Usia 43 tahun. Beliau menjabat sebagai
Human Capital Officer sejak 20 November Chief Financial Officer sejak 15 Oktober
2017 dan menamatkan pendidikan di 2021 dan menamatkan pendidikan di
Universitas Sebelas Maret. STIE Trisakti.
He is 61 years old. He serves as Chief Human She is 43 years old. She has served as Chief
Capital Officer since November 20, 2017. He Financial Officer since October 15, 2021.
graduated from University of Sebelas Maret. She graduated from STIE Trisakti.

.01 .02 .03 .04
Business Unit Head
1 5 7
3
2 4 6 8

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1 2 3
GILBERT SAMUEL SIAHAAN LAMBERTUS LANGKUN ANDRIANSYAH
Business Unit Head Business Unit Head Business Unit Head
Jakarta, Bogor, Depok, Bekasi Banten Jawa Barat | West Java
Usia 50 tahun. Beliau menjabat Usia 48 tahun. Beliau menjabat Usia 45 tahun. Beliau menjabat
sebagai Kepala Regional Jakarta, sebagai Kepala Regional Banten sebagai Kepala Regional Jawa
Bogor, Depok dan Bekasi sejak sejak 01 Januari 2021 dan Barat sejak 01 Januari 2021 dan
01 November 2021 dan menamatkan pendidikannya di menamatkan pendidikannya
menamatkan pendidikannya di Universitas Jayabaya. di Universitas Islam Indonesia
Universitas Palangkaraya. Yogyakarta.
He is 48 years old. He serves as
Business Unit Head of Banten since He is 45 years old. He serves
Business Unit Head of Jakarta,
January 01, 2021. He graduated as Business Unit Head of West
Bogor, Depok and Bekasi since
November 01, 2021. He graduated from University of Jayabaya. Java since January, 01 2021. He
from University of Palangkaraya. graduated from University of Islam
Indonesia Yogyakarta.
4 5 6
AUDI PRAMADITA PUTRA EFFENDI SIMATUPANG BAMBANG PURWANTO
Business Unit Head Business Unit Head Business Unit Head
South of Sumatera North of Sumatera Central Java
sebagai Kepala Regional Sumatera sebagai Kepala Regional sebagai Kepala Regional Jawa
Bagian Selatan sejak 01 Maret 2020 Sumatera bagian Utara sejak 05 Tengah sejak 01 Desember 2019
dan menamatkan pendidikannya di September 2016 dan menamatkan dan menamatkan pendidikannya di
UPN Veteran. pendidikannya di Universitas Amir Universitas Budi Luhur.
Hamzah.
He is 34 years old. He serves as He is 41 years old. He serves as
Business Unit Head South of He is 53 years old. He serves as Business Unit Head of Central
Sumatera since March 01, 2020. He Business Unit Head of Northern Java since December 01, 2019. He
graduated from University of UPN Sumatera since September 05, 2016. graduated from University of Budi
Veteran. He graduated from University of Luhur.
Amir Hamzah.
7 8
ARMAWATI ANDREAS ADITYA

Business Unit Head Business Unit Head
Kalimantan Sulawesi East Java, Bali, Nusa Tenggara
Usia 55 tahun. Beliau menjabat Usia 37 tahun. Beliau menjabat

sebagai Kepala Regional Kalimantan sebagai Kepala Regional Jawa
dan Sulawesi sejak 1 Desember 2019 Timur, Bali dan Nusa Tenggara sejak
dan menamatkan pendidikannya di 01 Januari 2021 dan menamatkan
Universitas Hasanuddin Makassar. pendidikannya di Univesitas
Brawijaya.
She is 55 years old. She serves as
Business Unit Head of Kalimantan He is 37 years old. He serves as
and Sulawesi since December 1, Business Unit Head East Java, Bali,
2019. He graduated from University Nusa Tenggara since January 01,
of Hasanuddin Makassar. 2021. He graduated from University
of Brawijaya.

.01 .02 .03 .04
Division Head
4
2
8
6
3 5 7
1
9

.05 .06 .07
15
11
13 17
12
10 14 16

.01 .02 .03 .04
1 2 3
SIM SIMADIBRATA JOSHUA H. M. PRAMUJIA ANDRI SETIAWAN

Marketing Development
Marketing Reguler Division Head Division Head Non Dealer Sales Division Head
sebagai Marketing Reguler Division sebagai Marketing Development sebagai Non Dealer Sales Division
Head sejak 01 Januari 2021 dan Division Head sejak 15 Juni 2021 Head sejak 01 September 2020
menamatkan pendidikannya di dan menamatkan pendidikan di dan menamatkan pendidikan di
Universitas Parahyangan. Universitas Kristen Satya Wacana. Universitas Padjadjaran.
He is 41 years old. He serves He is 38 years old. He serves as He is 40 years old. He serves as Non
as Marketing Reguler Division Marketing Development Division Dealer Sales Division Head since
Head since January 01, 2021. He Head since June 15, 2021. He September 01, 2020. He graduated
graduated from Parahyangan. graduated from University of from University of Padjadjaran.
Kristen Satya Wacana.
4 5 6
CRISTINA M.F SAMOSIR HERU SANTOSA HADIYANTO IGNATIUS PRASETYA
HC Strategic & Development Business Network & Initiative Internal Audit Division Head
Division Head Management Division Head
sebagai HC Strategic & Development sebagai Business Network & sebagai Internal Audit Division
Division Head sejak 01 Oktober Initiative Management Division Head sejak 01 September 2018 dan
2018 dan menamatkan pendidikan Head sejak 01 Juni 2016 dan menamatkan pendidikan di STIE
di Institut Pertanian Bogor. menamatkan pendidikan di Perbanas.
Universitas Tarumanagara.
She is 43 years old. She serves as HC He is 42 years old. He serves as
Strategic & Development Division Internal Audit Division Head since
Business Network & Initiative
Head since October 01, 2018. September 01, 2018. He graduated
Management Division Head since
He graduated from Institute of June 01, 2016. He graduated from from STIE Perbanas.
Agricultural Bogor. University of Tarumanagara.
7 8 9
CHRISTIN HARIYANTO SAIDINA DAUD BANTAYAN
Legal Counsel Division Head Credit & Asset Management Unit Collection & Remedial
sebagai Legal Counsel Division sebagai Credit & Asset Management sebagai Collection & Remedial
Head sejak 01 Agustus 2021 Unit Division Head sejak Division Head sejak 01 Maret 2017
dan menamatkan pendidikan di 01 September 2021 dan dan menamatkan pendidikan di IBII
Universitas Trisakti. menamatkan pendidikan di Jakarta.
Akademi Akuntansi YAI.
She is 40 years old. She serves as He is 42 years old. He serves as
Legal Counsel Division Head since He is 43 years old. He serves as Collection & Remedial Division
August 01, 2021. She graduated Credit & Asset Management Unit Head since March 01, 2017. He
from University of Trisakti. Division Head since September graduated from IBII Jakarta.
01, 2021. He graduated from YAI
Accounting Academy.

.05 .06 .07
10 11 12
HERWIN ERIK TANUDJAJA IRENE KHOE

Risk Management Financial Planning & Investor Finance & Accounting
sebagai Risk Management Division sebagai Financial Planning & sebagai Finance & Accounting
Head sejak 01 Februari 2017 dan Investor Relation Division Head sejak Division Head sejak 01 Juni 2011
menamatkan pendidikannya di 01 Oktober 2020 dan menamatkan dan menamatkan pendidikan di
Universitas Padjadjaran. pendidikan di Sekolah Tinggi Ilmu Universitas Tarumanagara.
Ekonomi Kesatuan.
He is 42 years old. He serves as Risk She is 48 years old. She serves as
Management Division Head since He is 33 years old. He serves as
Finance & Accounting Division Head
February 01, 2017. He graduated Financial Planning & Investor
since June 01, 2011. He graduated
from University of Padjadjaran. Relation Division Head since
October 01, 2020. He graduated from University of Tarumanagara.
from Sekolah Tinggi Ilmu Ekonomi
Kesatuan.
13 14 15
FELIX PRISCELLIUS MUHAMAD AKMAL RINA MAYANGSARI
IT Division Head Anti Fraud Division Head Operation Division Head
sebagai IT Division Head sejak sebagai Anti Fraud Division sebagai Operation Division
01 Agustus 2016 dan menamatkan Head sejak 01 Maret 2020 dan Head sejak 01 November 2017
pendidikan di Bina Nusantara. menamatkan pendidikannya di dan menamatkan pendidikan di
Universitas Sahid. Universitas Katolik Atma Jaya
He is 37 years old. He serves as IT Yogyakarta.
Division Head since August 01, He is 46 years old. He serves as Anti
Fraud Division Head since March 01,
2016. He graduated from Bina She is 44 years old. She serves as
2020 and graduated from University
Nusantara. Operations Division Head since
of Sahid.
November 01, 2017. He graduated
from Catholic University of Atma
Jaya Yogyakarta.
16 17
PANJI DWISATIA MUNAJAT CHANDRA FURKAN
Project Management Office Sharia Business Unit Head

Division Head
Usia 41 tahun. Beliau menjabat Usia 42 tahun. Beliau menjabat

sebagai Project Management sebagai Kepala Unit Usaha Syariah
Office sejak 05 Desember 2017 (UUS) sejak 16 July 2021 dan
dan menamatkan pendidikan di menamatkan pendidikannya di
Universitas Padjadjaran. Universitas Indonesia.
He is 41 years old. He serves as He is 42 years old. He has served

Project Management Office since as Head of the Sharia Business
December 05, 2017. He graduated Unit (UUS) since July 16, 2021 and
from University of Padjadjaran. graduated from the University of
Indonesia.

.01 .02 .03 .04
Deputy Division Head
6
2 4
3
1 5 7

.05 .06 .07
8 10
12
9
11 13

.01 .02 .03 .04
1 2 3
MULYADI ALAMSYAH RIO SATIA KEMAL MAHISA JIMMY SUTRISNO
NDS Motorcycle Finance Analyst & Development Sub

NDS CAR Deputy Division Head
Deputy Division Head Division Head
sebagai NDS CAR Deputy Division sebagai NDS Motorcycle Deputy sebagai Finance Analyst &
Head sejak 01 April 2021 dan Division Head sejak 01 September Development Sub Division
menamatkan pendidikan di 2021 dan menamatkan pendidikan Head sejak 01 Maret 2020 dan
Universitas Kristen Maranatha. di Universitas Atmajaya. menamatkan pendidikan di
Universitas Tarumanagara.
He is 37 years old. He serves as NDS He is 36 years old. He serves as
CAR Deputy Division Head since NDS Motorcycle Deputy Division He is 40 years old. He serves as
April 01, 2021. He graduated from Head since September 01, 2021. Finance Analyst & Development Sub
University of Kristen Maranatha. He graduated from University of Division Head since March 01, 2020.
Atmajaya. He graduated from University of
Tarumanagara.
4 5 6
GEMMA ARRY PURNAMA CHARLES SUGIARTA ARDHI NUGROHO BUDI
Asset Management Unit Deputy Division Organization Policies & IT Security & Compliance
Head Procedures Sub Division Head Sub Division Head
sebagai Asset Management Unit sebagai Organization Policies & sebagai IT Security & Compliance
Deputy Division Head sejak 01 Procedures Sub Division Head sejak Sub Division Head sejak 18 Oktober
September 2021 dan menamatkan 01 April 2020 dan menamatkan 2021 dan menamatkan pendidikan
pendidikannya di Universitas pendidikannya di Universitas di Universitas Brawijaya.
Trisakti. Katolik Atma Jaya.
He is 44 years old. He serves
He is 43 years old. He serves as Asset He is 37 years old. He serves as as IT Security & Compliance
Management Unit Deputy Division Organization Policies & Procedures Sub Division Head since October 18,
Head since September 01, 2021. Sub Division Head since April 01, 2021. He graduated from University
He graduated from University of 2020. He graduated from Atma Jaya of Brawijaya.
Trisakti. Catholic University.
7 8 9
WILLY SETIADI ANDREW TJUNG FERDINAND
IT Project Deputy IT Service Delivery Deputy IT Project Deputy

Division Head Division Head Division Head
sebagai IT Project Deputy sebagai IT Service Delivery Deputy sebagai IT Project Deputy Division
Division Head sejak 01 September Division Head sejak 01 November Head sejak 01 November 2019 dan
2021 dan menamatkan pendidikan 2019 dan menamatkan pendidikan menamatkan pendidikannya di STIE
di Kwik Kian Gie School of Business. di Universitas Bina Nusantara. Mulia Pratama.
He is 32 years old. He He is 38 years old. He serves as IT He is 41 years old. He serves as IT

serves as IT Project Deputy Service Delivery Deputy Division Project Deputy Division Head since
Division Head since September 01, Head since November 01, 2019. He November 01, 2019. He graduated
2021. He graduated from Kwik Kian graduated from University of Bina from STIE Mulia Pratama.
Gie School of Business. Nusantara.

.05 .06 .07
10 11 12
NEO WICAKSONO BORRY LUMBO MALAU HERFAN HERLAMBANG
Collection Deputy Division Head Remedial Deputy Division Head Tele Center Sub Division Head
sebagai Collection Deputy Division sebagai Remedial Deputy Division sebagai Tele Center Sub Division
Head sejak 01 Agustus 2020 dan Head sejak 01 Januari 2018 dan Head sejak 01 Oktober 2020 dan
menamatkan pendidikannya di menamatkan pendidikannya di menamatkan pendidikannya di
Universitas Islam Negeri Malang. Universitas Katolik Atma Jaya. Universitas Negeri Surabaya.
He is 42 years old. He serves He is 47 years old. He serves He is 39 years old. He serves as Tele
as Collection Deputy Division
as Remedial Deputy Division Center Sub Division Head since
Head since August 01, 2020. He
Head since January 01, 2018. He October 01, 2020. He graduated
graduated from Universitas Islam
Negeri Malang. graduated from Atma Jaya Catholic from Universitas Negeri Surabaya.
University.
13
MOGA MULYA SAPUTRA
Credit Deputy Division Head
Usia 38 tahun. Beliau menjabat

sebagai Credit Deputy Division
Head sejak 01 September 2021
dan menamatkan pendidikan
di Universitas Sarjanawiyata
Tamansiswa.

Credit Deputy Division Head since
September 01, 2021. He graduated
from University of Sarjanawiyata
Tamansiswa.

.01 .02 .03 .04
Demografi Karyawan
Employees Demography
Per 31 Desember 2021, Perseroan memiliki jumlah As of December 31, 2021, the Company had 2,421,
karyawan sebanyak 2.416, menurun dibanding tahun A decrease compared to 2020 of 2,599 employees.
2020 sebanyak 2.599 karyawan. Demografi karyawan The demographics of the Company employees are as
Perseroan sebagai berikut: follows:
Komposisi Karyawan Berdasarkan Status Kepegawaian

Employee Composition by Employment Status
Status
2021 2020
Status
Kontrak
5 369
Contract
Tetap
2.269 2.226
Permanent
Percobaan
142 4
Probation
Jumlah
2.416 2.599
Total
Komposisi Karyawan Berdasarkan Jenis Kelamin

Employee Composition by Gender
Jenis Kelamin
2021 2020
Gender
Perempuan
646 692
Female
Laki-laki
1.770 1.907
Male
Jumlah
2.416 2.599
Total
Komposisi Karyawan Berdasarkan Usia

Employee Composition by Age
Interval Usia
2021 2020
Age
s/d 24 tahun
147 116
up to 24 years old
25 s/d 34 tahun
1.035 1.070
25 up to 34 years old
35 s/d 49 tahun
1.118 1.284
>=50 tahun
116 129
>=50 years old
Jumlah
2.416 2.599
Total

.05 .06 .07
Komposisi Karyawan Berdasarkan Tingkat Pendidikan

Employee Composition by Education Level
Tingkat Pendidikan
2021 2020
Education
SLTP
3 3
Junior High School
SLTA
442 509
Senior High School
Akademi
289 348
Academy
Strata 1 (S1)
1.662 1.713
Bachelor (S1)
Strata 2 & 3 (S2 & S3)
20 26
Magister and Doctoral (S2 & S3)
Jumlah
2.416 2.599
Total
Komposisi Karyawan Berdasarkan Golongan Jabatan

Employee Composition by Position Grade
Jabatan
2021 2020
Position
Staf
605 753
Clerical
Supervisor
1.488 1.530
Supervisor
Manajer
279 277
Manager
General Manajer
44 39
General Manager
Jumlah
2.416 2.599
Total
PELATIHAN SDM TAHUN 2021 HR TRAINING IN 2021
Selama tahun 2021, Perseroan telah menyelenggarakan Throughout 2021, the Company held 10 (ten) programs
total 10 (sepuluh) program, 224 (dua ratus dua puluh and 224 (two hundred and twenty four) training batches
empat) batch pelatihan yang menjangkau 32.845 Peserta. with a total of 32,845 participants.
BIAYA PENGEMBANGAN KOMPETENSI SDM HR COMPETENCE DEVELOPMENT COST
Perseroan mengeluarkan dana sebesar Rp3,45 miliar The Company spent Rp3.45 billion for employee
untuk biaya pendidikan dan pelatihan karyawan pada education and training program in 2021.
tahun 2021.

.01 .02 .03 .04
Komposisi Pemegang Saham

Composition of Shareholders
20 Pemegang Saham Terbesar per 31 Desember 2021

20 Top Shareholders as of December 31, 2021
Pemegang Saham Jumlah Lembar Saham Nilai Nominal (juta) Kepemilikan

No.
Shareholders Total Shares Nominal Value (in million) Ownership (%)
1 PT Bank Maybank Indonesia Tbk 2.349.646.729.00 234.964.672.900.00 67,49%

2 PT Wahana Makmur Sejati 870.600.000.00 87.060.000.000.00 25,01%
UBS AG Hongkong Non-Treaty Omnibus
3 55.000.000.00 5.500.000.000.00 1,58%
Account - 2052034005
UOB Kay Hian Pte Ltd A/C Referral
4 37.000.000.00 3.700.000.000.00 1,06%
Client - 075K
5 Hermanto 17.348.100.00 1.734.810.000.00 0,50%
6 Rony Attan 12.377.500.00 1.237.750.000.00 0,36%
7 Lokman Jamil 8.584.400.00 858.440.000.00 0,25%
8 Hermanto 8.551.300.00 855.130.000.00 0,25%
9 Rudi 6.500.000.00 650.000.000.00 0,19%
10 Susanto 6.075.600.00 607.560.000.00 0,17%
DBS Bank Ltd S/A Aggregate Value
11 4.400.000.00 440.000.000.00 0,13%
Fund VCC
SCB SG S/A Bank J.Safra Sarasin Ltd,
12 4.112.200.00 411.220.000.00 0,12%
Singapore Branch For Clients A/C
13 BANA GCAS US Custody Client Assets 3.948.500.00 394.850.000.00 0,11%
14 PT Pacific Lelang Internasional 2.785.100.00 278.510.000.00 0,08%
15 FX Boedi Soebianto 2.639.900.00 263.990.000.00 0,08%
16 Phillip Securities Pte Ltd 2.523.000.00 252.300.000.00 0,07%
17 Arief Harris Tandjung 2.072.800.00 207.280.000.00 0,06%
18 Hendrawan Danusaputra 2.050.000.00 205.000.000.00 0,06%
19 Caroline Kwok 1.974.800.00 197.480.000.00 0,06%
20 Lokman Jamil 1.970.500.00 197.050.000.00 0,06%
Komposisi Pemegang Saham Yang Memiliki >5% Saham

Shareholder Owning >5% of Shares Composition
Pemegang Saham Jumlah Lembar Saham Nilai Nominal (juta) Kepemilikan

No
Shareholders Total Share Nominal Value (in million) Ownership (%)
1 PT Bank Maybank Indonesia Tbk 2.349.646.729 234.964.672.900 67,49%

2 PT Wahana Makmur Sejati 870.600.000 87.060.000.000 25,01%
3 Masyarakat/Public 261.234.751 26.123.475.100 7,50%
Jumlah
3.481.481.480 348.148.148.000 100%
Total

.05 .06 .07
KEPEMILIKAN SAHAM DIREKSI DAN DEWAN KOMISARIS SHAREHOLDING OF BOARD OF DIRECTORS AND BOARD
OF COMMISSIONERS
1. Direksi tidak memiliki saham langsung dan tidak 1. The Board of Directors does not own direct or
langsung. indirect shares.
2. Dewan Komisaris atas nama Garibaldi Thohir 2. The Board of Commissioners on behalf of Garibaldi
(Komisaris) memiliki saham tidak langsung melalui Thohir (Commissioner) has indirect shares through
PT Wahana Makmur Sejati. PT Wahana Makmur Sejati.
3. Dewan Komisaris atas nama Robbyanto Budiman 3. The Board of Commissioners on behalf of Robbyanto
(Wakil Presiden Komisaris) memiliki saham tidak Budiman (Vice President Commissioner) has indirect
langsung melalui PT Wahana Makmur Sejati. shares through PT Wahana Makmur Sejati.
4. Dewan Komisaris yang lainnya tidak memiliki 4. The rest of the Board of Commissioners do not own
saham langsung dan tidak langsung. direct or indirect shares.
Komposisi Pemegang Saham Berdasarkan Klasifikasi

Shareholders Composition Based on Classification
Status Kepemilikan Jumlah Pemegang Saham Jumlah Saham

%
Ownership Status Total Shareholders Total Shares
Pemodal Nasional/National Investors

Perorangan Indonesia
1.723 138.333.835 3,97
Indonesian Individual
Institusi Indonesia
8 3.267.054.898 93,84
Indonesian Institution
Pemodal Asing/Foreign Investors
Perorangan Asing
6 159.100 0,01
Foreign Individual
Institusi Asing
14 75.933.647 2,18
Foreign Entity
Jumlah
1.751 3.481.481.480 100,00
Total

.01 .02 .03 .04
Profil Pemegang Saham

Profile of Shareholders
PT BANK MAYBANK INDONESIA TBK
Alamat Perseroan | Company Address

PT Bank Maybank Indonesia Tbk
Sentral Senayan III
Jl. Asia Afrika No. 8, Gelora Bung Karno
PT Bank Maybank Indonesia Tbk Jakarta Pusat 10270 Indonesia
T: +62 21 2922 8888
F: +62 21 2922 8914
PROFIL PT BANK MAYBANK INDONESIA TBK PT BANK MAYBANK INDONESIA TBK PROFILE
PT Bank Maybank Indonesia Tbk (Maybank Indonesia PT Bank Maybank Indonesia Tbk (Maybank Indonesia
atau Bank) adalah salah satu bank swasta terkemuka di or the Bank) is one of the leading private banks in
Indonesia yang merupakan bagian dari grup Malayan Indonesia that is also part of Malayan Banking Berhad
Banking Berhad (Maybank), sebagai salah satu grup (Maybank) Group, one of the largest financial services
penyedia layanan keuangan terbesar di ASEAN. group in ASEAN. Previously, Maybank Indonesia was
Sebelumnya, Maybank Indonesia bernama PT Bank known as PT Bank Internasional Indonesia Tbk (BII)
Internasional Indonesia Tbk (BII) yang didirikan pada 15 which was founded on May 15, 1959, obtained its
Mei 1959, mendapatkan izin sebagai bank devisa pada license as foreign exchange bank in 1988, and had
1988 dan mencatatkan sahamnya sebagai perusahaan its share listed as a listed company in Jakarta Stock
terbuka di Bursa Efek Jakarta dan Surabaya (sekarang Exchange and Surabaya Stock Exchange (now merged
telah merger menjadi Bursa Efek Indonesia) pada 1989. as Indonesia Stock Exchange) in 1989.
Maybank Indonesia menyediakan serangkaian produk Maybank Indonesia provides a comprehensive range
dan jasa komprehensif bagi nasabah individu maupun of products and services for individual and corporate
korporasi melalui layanan Community Financial customers through Community Financial Services
Services (Perbankan Ritel dan Perbankan Non-Ritel) dan (Retail Banking and Non-Retail Banking) and Global
Perbankan Global, serta pembiayaan otomotif melalui Banking, as well as automotive financing through
entitas anak yaitu WOM Finance untuk kendaraan its subsidiaries, WOM Finance for two wheelers and
roda dua dan Maybank Finance untuk kendaraan roda Maybank Finance for four wheelers. Maybank Indonesia
empat. Maybank Indonesia juga terus mengembangkan also continues to develop digital banking services and
layanan dan kapasitas digital banking melalui M2U ID capacity through M2U ID App Mobile Banking, Internet
App Mobile Banking, Maybank2u Internet Banking dan Banking, Maybank2U Internet banking and various
berbagai saluran lainnya. other channels.

.05 .06 .07
Pada akhir tahun 2021, Maybank Indonesia telah In the end of 2021, Maybank Indonesia currently has 356
memiliki 356 (tiga ratus lima puluh enam) cabang, (three hundred and fifty six) branches, including Sharia
termasuk cabang Syariah yang tersebar di Indonesia dan branches located across Indonesia and one overseas
satu cabang luar negeri (Mumbai, India). Di samping branch (Mumbai, India). Moreover, Maybank Indonesia
itu, Maybank Indonesia juga memiliki sebanyak 22 also has 22 (twenty two) Mobil Kas Keliling and 1,033
(dua puluh dua) Mobil Kas Keliling dan 1.033 (seribu (one thousand and thirty three) ATMs connected
tiga puluh tiga) ATM yang terkoneksi dengan lebih to more than 20,000 (twenty thousand) ATMs that
dari 20.000 (dua puluh ribu) ATM tergabung dalam networked with ATM PRIMA, ATM BERSAMA, ALTO,
jaringan ATM PRIMA, ATM BERSAMA, ALTO, CIRRUS CIRRUS and connected with 3.500 (three thousand five
dan terhubung dengan 3.500 (tiga ribu lima ratus) ATM hundred) ATMs of Maybank in Singapore, Malaysia
Maybank di Singapura, Malaysia dan Brunei. and Brunei.
Hingga 31 Desember 2021, Maybank Indonesia As of December 31, 2021, Maybank Indonesia managed
mengelola simpanan nasabah sebesar Rp114,9 triliun customer deposits of Rp114.9 trillion and posted total
dan memiliki total aset senilai Rp168,8 triliun. assets of Rp168.8 trillion.
Visi Vision
Menjadi penyedia layanan keuangan terkemuka To be the leading financial services provider in
di Indonesia, yang didukung oleh sumber daya Indonesia, driven by passionately committed and
manusia yang berkomitmen penuh dan inovatif innovative people, creating value and serving
untuk menciptakan nilai dan melayani komunitas. communities.
Misi Mission
Humanising Financial Services

.01 .02 .03 .04
Komposisi Manajemen Bank Maybank Indonesia Per 31 Desember 2021

Management Composition of Bank Maybank Indonesia as of December 31, 2021
Jabatan Dewan Komisaris Nama

Board of Commissioners Name
Presiden Komisaris
Dato' Sri Abdul Farid Alias*
President Commissioner
Komisaris
Edwin Gerungan
Commissioner
Komisaris
Datuk Lim Hong Tat
Commissioner
Komisaris Independen
Budhi Dyah Sitawati
Achjar Iljas
Hendar
Putut Eko Bayuseno
*) Maybank Indonesia telah menerima surat pengunduran diri Dato' Sri Abdul Farid Alias selaku Presiden Komisaris Maybank Indonesia pada tanggal 31 Januari 2022.
Berdasarkan Anggaran Dasar, Maybank Indonesia akan menyelenggarakan RUPS untuk memutuskan permohonan pengunduran diri tersebut paling lambat 90 hari
kalender setelah 31 Januari 2022.
*) Maybank Indonesia has received resignation letter from Dato' Sri Abdul Farid Alias as the President Commissioner on 31 January 2022. In accordance with the Articles
of Association, Maybank Indonesia will hold a GMS to decide upon the said resignation not later than 90 calendar days after 31 January 2022.
Jabatan Direksi Nama

Board of Directors Name
Presiden Direktur
Taswin Zakaria
President Director
Direktur Keuangan
Thilagavathy Nadason
Finance Director
Direktur Community Financial Services
Steffano Ridwan
Community Financial Services Director
Direktur Perbankan Global
Ricky Antariksa
Global Banking Director
Direktur Human Capital
Irvandi Ferizal
Human Capital Director
Direktur Manajemen Risiko
Effendi
Risk Management Director
Direktur Operations
Widya Permana
Operations Director
Direktur yang membawahkan fungsi kepatuhan
Muhamadian
Compliance Director
Direktur Teknologi Informasi
David Formula **)
Information Technology Director
**) Maybank Indonesia telah menerima surat pengunduran diri David Formula selaku anggota Direksi Maybank Indonesia pada tanggal 18 February 2022. Berdasarkan
Anggaran Dasar, Maybank Indonesia akan menyelenggarakan RUPS untuk memutuskan permohonan pengunduran diri tersebut paling lambat 90 hari kalender setelah
18 Februari 2022.
**) Maybank Indonesia has received resignation letter from David Formula as a member of Board of Directors on 18 February 2022. In accordance with the Articles of
Association, Maybank Indonesia will hold a GMS to decide upon the said resignation not later than 90 calendar days after 18 February 2022.

.05 .06 .07
PT WAHANA MAKMUR SEJATI
Alamat Perseroan | Company Address:

PT Wahana Makmur Sejati
Gunung Sahari Utara, Sawah Besar,
Kota Jakarta Pusat, Daerah Khusus Ibu kota
Jakarta 10720
T: +62 21 6012070
PT Wahana Makmur Sejati Website: www.wahanaartha.com
PROFIL PT WAHANA MAKMUR SEJATI PROFIL PT WAHANA MAKMUR SEJATI
PT Wahana Makmur Sejati (WMS) berawal dari Initially, PT Wahana Makmur Sejati (WMS) was
4 (empat) dealer sepeda motor Honda yang bergabung established from 4 (four) Honda motorcycle dealers
menjadi PD Union Motor di tahun 1972. PD Union joined to become PD Union Motor in 1972. PD Union
Motor dipercaya oleh PT Astra Honda Motor untuk Motor is trusted by PT Astra Honda Motor to manage
menjalankan rantai distribusi sepeda motor Honda Honda motorcycle distribution chain for Jakarta and
untuk wilayah Jakarta dan Tangerang. Tangerang areas.
Pada tahun 1983 PD Union Motor melakukan In 1983, PD Union Motor undertook restructuring by
restrukturisasi dengan memisahkan unit usaha menjadi dividing its business units into two different companies,
dua perusahaan yang berbeda yaitu, PT Pro Union Indo namely PT Pro Union Indo Jaya as Honda motorcycle
Jaya sebagai dealer sepeda motor dan mobil Honda and automotive dealer, and WMS as a main dealer of
dan WMS sebagai main dealer sepeda motor Honda Honda motorcycle for Jakarta and Tangerang areas.
untuk wilayah Jakarta dan Tangerang.
Kini WMS memiliki 3 (tiga) unit Gudang yaitu di Today, WMS has 3 (three) warehouses in Cimanggis,
Cimanggis Jawa Barat berkapasitas 7.500 unit motor, West Java with capacity of 7,500 motorcyle units, in
di Jatake Tangerang berkapasitas 2.500 unit motor Jatake Tangerang with 2,500 units capacity, and the
serta Gudang ke-3 di Jatiasih Bekasi dengan kapasitas third in Jatiasih Bekasi with capacity of 7,000 units
7.000 unit motor di tahun 2018. Saat ini WMS memiliki as of 2018. WMS currently operates the network of
jaringan 115 (seratus lima belas) dealer dan 315 (tiga 115 (one hundred and fifteen) dealers and 315 (three
ratus lima belas) bengkel resmi motor Honda di wilayah hundred and fifteen) official service outlets for Honda
Jakarta dan Tangerang. motorcycle in Jakarta and Tangerang areas.

.01 .02 .03 .04
Visi Vision
Menjadi grup perusahaan retail yang menyediakan To be a retail group of companies which offer
produk dan jasa yang bertumpu kepada products and services optimizing the strength of
kemampuan masyarakat luas Indonesia. Indonesian mass market potential.
Misi Mission
• Menjadikan kepuasan pelanggan sebagai • Making service excellence as our commitment by
komitmen utama dengan menyediakan produk providing only world class quality products and
dan layanan kelas dunia. services.
• Mengimplementasikan tata kelola perusahaan • To implement Good Corporate Governance supported
yang baik dengan menggunakan teknologi by latest Information Technology.
informasi terkini.
• Menyediakan infrastruktur dan lingkungan • To provide the best infrastructure and environment to
kerja terbaik bagi para karyawan melalui our employees through the continuous development
pengembangan sikap, peningkatan keterampilan of attitudes, skills and knowledge.
dan pengetahuan yang berkesinambungan.
• Memenuhi kebutuhan para pemangku • To fulfill the needs of stakeholders, shareholders,
kepentingan, para pemegang saham, management, employees, government, community
manajemen, karyawan, pemerintah, masyarakat and environment.
dan lingkungan.

.05 .06 .07
Komposisi Manajemen PT Wahana Makmur Sejati Per 31 Desember 2021

Management Structure of PT Wahana Makmur Sejati as of December 31, 2021
Jabatan Dewan Komisaris Nama

Board of Commissioners Name
Komisaris Utama
Garibaldi Thohir
President Commissioner
Wakil Komisaris Utama
Yanto Kasiman
Komisaris
Susianty Pranata
Commissioner
Jabatan Direksi Nama

Board of Directors Name
Direktur Utama
Robbyanto Budiman
President Director
Direktur
Taufik Aulia
Director
Direktur
Edi Setiawan Surja
Director

.01 .02 .03 .04
Struktur Grup Perusahaan

Group Structure
Citigroup Nominees
Amanah Raya Trustees
(Tempatan) Sdn Bhd (B/O: Permodalan Nasional Other Institution and
Berhad (B/O: Amanah
Employees Provident Berhad Retail Investors
Saham Bumiputera)
Fund Board)
34,01% 12,94% 7,09% 45,96%
Malayan Banking Berhad
Sorak Financial Holdings Maybank Offshore Corporate Masyarakat

Pte. Ltd. Services (Labuan) Sdn Bhd Public
45,02% 33,96% 21,02%
Masyarakat Masyarakat
Public Public
>5% <5%
PT Bank Maybank Indonesia Tbk
18,31% 2,71%
PT Maybank Indonesia Finance

99,99%

.05 .06 .07
Garibaldi Susianty Sonny Robbyanto Edna Garibaldi Erick Hireka

Thohir Pranata Kasiman Budiman Thohir Thohir Thohir Vitaya
32,30% 23,55% 32,30% 11,85% 29,99% 23,34% 23,34% 23,33%
PT Michael
Sonny Robbyanto Yanto
Trinugraha Christian
Kasiman Thohir Soekamto Budiman Kasiman
PT Wahanaartha Mandiri 4,25% 61,40% 14,92% 15,18% 4,25%
0,01%
Sonny Susianty PT Sahari Sherli Luciana Yanto

Sukses Bellynawaty
Janawati
Kasiman Pranata Investama Budiman Kasiman
2,44% 15,70% 52,60% 1,49% 1,19% 1,19% 25,39%
PT Wahanaartha Harsaka
99,99%
Masyarakat
Public
PT Wahana Makmur Sejati 7,50%
25,01%
67,49%

.01 .02 .03 .04
Daftar Entitas Anak Dan Entitas Asosiasi

Subsidiaries & Associates
Sampai penyampaian laporan tahunan 2021, Perseroan Until the submission of the 2021 annual report, the
tidak memiliki entitas anak dan entitas asosiasi. Company does not establish any subsidiaries and
associates.

.05 .06 .07
Kronologi Penerbitan Saham

Shares Issuance Chronology
2004
Berdasarkan Akta Risalah Rapat Nomor 2 tanggal In accordance with the Deed of Meeting Minutes
4 Mei 2004 yang dibuat oleh Mellyani Noor Shandra, Number 2 dated May 4, 2004 made by Mellyani
S.H., Notaris di Jakarta, yang telah mendapatkan Noor Shandra, S.H., a Notary in Jakarta, which has
persetujuan Menteri Kehakiman dan Hak Asasi been approved by the Ministry of Justice and Human
Manusia Republik Indonesia melalui Surat Keputusan Rights of the Republic of Indonesia through Decree
Nomor C-12320 HT.01.04.TH.2004 tanggal 17 Mei Number C-12320 HT.01.04.TH.2004 dated May 17, 2004,
2004, para pemegang saham menyetujui perubahan shareholders have approved the changes of shares par
nilai nominal saham menjadi Rp100 dan peningkatan value to Rp100 and the increase of authorized capital
modal dasar menjadi sebesar Rp500.000.000.000 serta to Rp500,000,000,000, as well as the increase of issued
peningkatan modal ditempatkan dan modal disetor and paid-up capital to Rp180,000,000,000.
menjadi sebesar Rp180.000.000.000.
Dengan demikian struktur permodalan dan susunan As a result, the Company’s capital structure and
pemegang saham Perseroan menjadi sebagai berikut: shareholding composition are as follows:
Nilai Nominal Rp100 per Saham

Par Value of Rp100 per share
Pemegang Saham %
Shareholders
Jumlah Saham Nilai Nominal (Rp)
Total Shares Nominal Value
PT Millenia Prosperindo Optima 630.000.000 63.000.000.000 35,00

PT Wahanaartha Harsaka 990.000.000 99.000.000.000 55,00
PT Wahanaartha Mekarselaras 180.000.000 18.000.000.000 10,00
Jumlah
1.800.000.000 180.000.000.000 100,00
Total
Selanjutnya, berdasarkan Akta Risalah Rapat Nomor Furthermore, in accordance with the Deed of Meeting
25 tanggal 24 Mei 2004 yang dibuat oleh Endrawila Minutes Number 25 dated May 24, 2004 made by
Permata, S.H., Notaris di Jakarta, akta mana telah Endrawila Permata, S.H., a Notary in Jakarta, which has
diterima pemberitahuannya oleh Menteri Kehakiman been accepted by the Ministry of Justice and Human Rights
dan Hak Asasi Manusia Republik Indonesia melalui of the Republic of Indonesia through the Acceptance of
Penerimaan Laporan Akta Perubahan Anggaran Dasar Deed Report of the Amendment of Articles of Association
PT Wahana Ottomitra Multiartha Nomor C-13115 of PT Wahana Ottomitra Multiartha Number C-13115
HT.01.04.TH.2004 tanggal 25 Mei 2004, para pemegang HT.01.04.TH.2004 dated May 25, 2004, the shareholders
saham menyetujui penjualan saham sebagai berikut: have approved the following sale of shares:
1. Dari PT Wahanaartha Harsaka kepada Begawan 1. From PT Wahanaartha Harsaka to Begawan
Investment (L) BHD sebanyak 396.000.000 saham Investment (L) BHD of 396,000,000 shares in
sebagaimana jual belinya dilakukan melalui Akta which the buying-selling process was conducted
Jual Beli dan Pemindahan Hak Atas Saham Nomor through Deed of Sale and Transfer of Rights to
26 tanggal 24 Mei 2004 yang dibuat di hadapan Shares Number 26 dated May 24, 2004 made
Endrawila Parmata, S.H., sebagai pengganti dari before Endrawila Parmata, S.H., replacing Benny
Benny Kristianto, S.H., Notaris di Jakarta; Kristianto, S.H., a Notary in Jakarta;
2. Dari PT Wahanaartha Harsaka kepada Mochamad 2. From PT Wahanaartha Harsaka to Mochamad Tohir:
Thohir sebanyak 191.862.000 saham sebagaimana Of 191,862,000 shares in which the buying-selling

.01 .02 .03 .04
jual belinya dilakukan melalui Akta Jual Beli dan process was conducted through Deed of Sale and
Pemindahan Hak Atas Saham Nomor 27 tanggal Transfer of Rights to Shares Number 27 dated May
24 Mei 2004 yang dibuat di hadapan Endrawila 24, 2004 made before Endrawila Parmata, S.H.,
Parmata, S.H., sebagai pengganti dari Benny replacing Benny Kristianto, S.H., a Notary in Jakarta;
Kristianto, S.H., Notaris di Jakarta;
3. Dari PT Wahanaartha Harsaka kepada Susianty 3. From PT Wahanaartha Harsaka to Susianty Pranata:
Pranata sebanyak 139.887.000 saham sebagaimana Of 139,887,000 shares in which the buying-selling
Pemindahan Hak Atas Saham Nomor 28 tanggal Transfer of Rights to Shares Number 28 dated
24 Mei 2004 yang dibuat di hadapan Endrawila May 24, 2004 made before Endrawila Parmata,
Parmata, S.H., sebagai pengganti dari Benny S.H., replacing Benny Kristianto, S.H., a Notary in
Kristianto, S.H., Notaris di Jakarta; Jakarta;
4. Dari PT Wahanaartha Harsaka kepada Yanto 4. From PT Wahanaartha Harsaka to Yanto Kasiman:
Kasiman sebanyak 191.862.000 saham sebagaimana Of 191,862,000 shares in which the buying-selling
Pemindahan Hak Atas Saham Nomor 29 tanggal Transfer of Rights to Shares Number 29 dated
24 Mei 2004 yang dibuat di hadapan Endrawila May 24, 2004 made before Endrawila Parmata,
Parmata, S.H., sebagai pengganti dari Benny S.H., replacing Benny Kristianto, S.H., a Notary in
Kristianto, S.H., Notaris di Jakarta; Jakarta;
5. Dari PT Wahanaartha Harsaka kepada Widjaya 5. From PT Wahanaartha Harsaka to Widjaya Budiman:
Budiman sebanyak 70.389.000 saham sebagaimana Of 70,389,000 shares in which buying-selling was
jual belinya dilakukan melalui Akta Jual Beli dan conducted through Deed of Sale and Transfer of
Pemindahan Hak Atas Saham Nomor 30 tanggal Rights to Shares Number 30 dated May 24, 2004
24 Mei 2004 yang dibuat di hadapan Endrawila made before Endrawila Parmata, S.H., replacing
Parmata, S.H., sebagai pengganti dari Benny Benny Kristianto, S.H., a Notary in Jakarta;
6. Dari PT Wahanaartha Mekarselaras kepada Begawan 6. From PT Wahanaartha Mekarselaras to Begawan
Investment (L) BHD sebanyak 72.000.000 saham Investment (L) BHD of 72,000,000 shares in which
sebagaimana jual belinya dilakukan melalui Akta the buying-selling process was conducted through
Jual Beli dan Pemindahan Hak Atas Saham Nomor Deed of Sale and Transfer of Rights to Shares
31 tanggal 24 Mei 2004 yang dibuat di hadapan Number 31 dated May 24, 2004 made before
Endrawila Parmata, S.H., sebagai pengganti dari Endrawila Parmata, S.H., replacing Benny Kristianto,
Benny Kristianto, S.H., Notaris di Jakarta; S.H., a Notary in Jakarta;
7. Dari PT Wahanaartha Mekarselaras kepada 7. From PT Wahanaartha Mekarselaras to Mochamad
Mochamad Thohir sebanyak 34.884.000 saham Thohir of 34,884,000 shares in which the buying-
sebagaimana jual belinya dilakukan melalui Akta selling process was conducted through Deed of Sale
Jual Beli dan Pemindahan Hak Atas Saham Nomor and Transfer of Rights to Shares Number 32 dated
32 tanggal 24 Mei 2004 yang dibuat di hadapan May 24, 2004 made before Endrawila Parmata, S.H.,
Endrawila Parmata, S.H., sebagai pengganti dari replacing Benny Kristianto, S.H., a Notary in Jakarta;
Benny Kristianto, S.H., Notaris di Jakarta;

.05 .06 .07
8. Dari PT Wahanaartha Mekarselaras kepada Susianty 8. From PT Wahanaartha Mekarselaras to Susianty

Pranata sebanyak 25.434.000 saham sebagaimana Pranata of 25,434,000 shares in which the buying-
jual belinya dilakukan melalui Akta Jual Beli dan selling process was conducted through Deed of Sale
Pemindahan Hak Atas Saham Nomor 33 tanggal and Transfer of Rights to Shares Number 33 dated
24 Mei 2004 yang dibuat di hadapan Endrawila May 24, 2004 made before Endrawila Parmata, S.H.,
Parmata, S.H., sebagai pengganti dari Benny replacing Benny Kristianto, S.H., a Notary in Jakarta;
9. Dari PT Wahanaartha Mekarselaras kepada Yanto 9. From PT Wahanaartha Mekarselaras to Yanto
Kasiman sebanyak 34.884.000 saham sebagaimana Kasiman of 34,884,000 shares in which the buying-
jual belinya dilakukan melalui Akta Jual Beli dan selling process was conducted through Deed of
Pemindahan Hak Atas Saham Nomor 34 tanggal 24 Sale and Transfer of Rights to Shares Number
Mei 2004 yang dibuat di hadapan Endrawila Parmata, 34 dated May 24, 2004 made before Endrawila
S.H., sebagai pengganti dari Benny Kristianto, S.H., Parmata, S.H., replacing Benny Kristianto, S.H., a
Notaris di Jakarta; Notary in Jakarta;
10. Dari PT Wahanaartha Mekarselaras kepada Widjaya 10. From PT Wahanaartha Mekarselaras to Widjaya
Budiman sebanyak 12.798.000 saham sebagaimana Budiman of 12,798,000 shares in which the buying-
jual belinya dilakukan melalui Akta Jual Beli dan selling process was conducted through the Deed
Pemindahan Hak Atas Saham Nomor 35 tanggal of Sale and Transfer of Rights to Shares Number
24 Mei 2004 yang dibuat di hadapan Endrawila 35 dated May 24, 2004 made before Endrawila
Parmata, S.H., sebagai pengganti dari Benny Parmata, S.H., replacing Benny Kristianto, S.H., a
Kristianto, S.H., Notaris di Jakarta; Notary in Jakarta;
11. Dari PT Millenia Prosperindo Optima kepada
Begawan Investment (L) BHD sebanyak 252.000.000 11. From PT Millenia Prosperindo Optima to Begawan
saham sebagaimana jual belinya dilakukan melalui Investment (L) BHD of 252,000,000 shares in which
Akta Jual Beli dan Pemindahan Hak Atas Saham the buying-selling process was conducted through
Nomor 36 tanggal 24 Mei 2004 yang dibuat Deed of Sale and Transfer of Rights to Shares
di hadapan Endrawila Parmata, S.H., sebagai Number 36 dated May 24, 2004 made before
pengganti dari Benny Kristianto, S.H., Notaris di Endrawila Parmata, S.H., replacing Benny Kristianto,
Jakarta; S.H., a Notary in Jakarta;
12. Dari PT Millenia Prosperindo Optima kepada Dewi 12. From PT Millenia Prosperindo Optima to Dewi
Ratnasari Gozali sebanyak 321.300.000 saham Ratnasari Gozali of 321,300,000 shares in which the
sebagaimana jual belinya dilakukan melalui Akta buying-selling process was conducted through Deed
Jual Beli dan Pemindahan Hak Atas Saham Nomor of Sale and Transfer of Rights to Shares Number
37 tanggal 24 Mei 2004 yang dibuat di hadapan 37 dated May 24, 2004 made before Endrawila
Endrawila Parmata, S.H., sebagai pengganti dari Parmata, S.H., replacing Benny Kristianto, S.H., a
Benny Kristianto, S.H., Notaris di Jakarta; Notary in Jakarta;
13. Dari PT Millenia Prosperindo Optima kepada Benny 13. From PT Millenia Prosperindo Optima to Benny
Wennas sebanyak 56.700.000 saham sebagaimana Wennas of 56,700,000 shares in which the buying-
jual belinya dilakukan melalui Akta Jual Beli dan selling process was conducted through Deed of Sale
Pemindahan Hak Atas Saham Nomor 38 tanggal and Transfer of Rights to Shares Number 38 dated
24 Mei 2004 yang dibuat di hadapan Endrawila May 24, 2004 made before Endrawila Parmata, S.H.,
Parmata, S.H., sebagai pengganti dari Benny replacing Benny Kristianto, S.H., a Notary in Jakarta.
Kristianto, S.H., Notaris di Jakarta.

.01 .02 .03 .04
Dengan demikian struktur permodalan dan susunan As a result, the Company’s capital structure and its
pemegang saham Perseroan setelah terjadinya shareholding composition following the previously-
pengalihan saham tersebut di atas, menjadi sebagai mentioned shares transfers are as follows:
berikut:

Pemegang Saham %
Shareholders
Begawan Investment (L) Bhd. 720.000.000 72.000.000.000 40,00

Mochamad Thohir 226.746.000 22.674.600.000 12,60
Susianty Pranata 165.321.000 16.532.100.000 9,18
Yanto Kasiman 226.746.000 22.674.600.000 12,60
Widjaya Budiman 83.187.000 8.318.700.000 4,62
Dewi Ratnasari Gozali 321.300.000 32.130.000.000 17,85
Benny Wennas 56.700.000 5.670.000.000 3,15
Jumlah
1.800.000.000 180.000.000.000 100,00
Total
Berdasarkan Akta Pernyataan Keputusan Rapat Nomor In accordance with the Deed of Decree of Meeting
35 tanggal 29 September 2004 yang dibuat di hadapan Minutes Number 35 dated September 29, 2004 made
Poerbaningsih Adi Warsito, S.H., Notaris di Jakarta, before Poerbaningsih Adi Warsito, S.H., a Notary
akta mana telah mendapatkan persetujuan Menteri in Jakarta, which has been approved by Ministry of
Hukum dan Hak Asasi Manusia Republik Indonesia Justice and Human Rights of the Republic of Indonesia
Nomor C-24422 HT.01.04.TH.2004 tanggal 1 Oktober Number C-24422 HT.01.04. TH.2004 dated October 1,
2004, para pemegang saham memberikan persetujuan 2004, the shareholders approved have the carrying out
untuk melakukan Penawaran Umum Saham Perdana of an Initial Public Offering to the public via as many
kepada masyarakat sebanyak-banyaknya sejumlah as 300,000,000 shares through the capital market,
300.000.000 saham melalui pasar modal, Penawaran with the offering listing statement having obtained an
Umum mana pernyataan pendaftarannya telah effective decree from the Capital Market and Financial
memperoleh pernyataan efektif dari BAPEPAM dan serta Institution Supervisory Agency and the Company’s
saham Perseroan telah tercatat pada Bursa Efek Jakarta shares having been listed through the Jakarta Stock
dan Bursa Efek Surabaya. Kepastian jumlah saham Exchange and Surabaya Stock Exchange. The total shares
yang dikeluarkan dalam Penawaran Umum tersebut issued in the Public Offering was affirmed by Deed
ditegaskan dalam Akta Pernyataan Keputusan Rapat PT of the Decree of the Meeting Minutes of PT Wahana
Wahana Ottomitra Multiartha Tbk Nomor 41 tanggal 16 Ottomitra Multiartha Tbk Number 41 dated December
Desember 2004, dibuat di hadapan Poerbaningsih Adi 16, 2004, made before Poerbaningsih Adi Warsito, S.H.,
Warsito, S.H., Notaris di Jakarta, akta mana telah diterima a Notary in Jakarta. The deed has been accepted by the
pemberitahuannya oleh Menteri Hukum dan Hak Asasi Ministry of Justice and Human Rights of the Republic of
Manusia Republik Indonesia melalui Penerimaan Laporan Indonesia through the Acceptance of Deed Report of
Akta Perubahan Anggaran Dasar PT Wahana Ottomitra the Amendment of Articles of Association of PT Wahana
Multiartha Tbk Nomor C-30738 HT.01.04. TH.2004 tanggal Ottomitra Multiartha Tbk Number C-30738 HT.01.04.
21 Desember 2004 dan telah didaftarkan di Kantor TH.2004 dated December 21, 2004 and has been

.05 .06 .07
Pendaftaran Perusahaan Kodya Jakarta Pusat di bawah registered in the Company Registration Office Kodya
Nomor 049/RUB.09.05/I/2005 tanggal 12 Januari 2005, Central Jakarta under Number 049/RUB.09.05/I/2005
serta diumumkan dalam Berita Negara Republik Indonesia dated January 12, 2005. It has been announced in
Nomor 8 tanggal 28 Januari 2005. Tambahan Nomor the State Gazette Number 8 dated January 28, 2005.
75/2005, dimana para pemegang saham Perseroan telah This was in lieu of Number 75/2005, in which the
setuju untuk meningkatkan modal ditempatkan dan Company’s shareholders approved to increase issued
disetor penuh yang semula sebesar Rp180.000.000.000 and fully paid-up capital from Rp180,000,000,000 to
menjadi sebesar Rp200.000.000.000. Dengan demikian Rp200,000,000,000. As a result, the Company’s capital
struktur permodalan dan susunan pemegang saham structure and shareholding composition are as follows:
Perseroan menjadi sebagai berikut:

Pemegang Saham Par Value of Rp100 per share %
Shareholders Jumlah Saham Nilai Nominal (Rp)
Begawan Investment (L) Bhd. 720.000.000 72.000.000.000 40,00
Mochamad Thohir 226.746.000 22.674.600.000 12,60
Yanto Kasiman 226.746.000 22.674.600.000 12,60
Widjaya Budiman 83.187.000 8.318.700.000 4,62
Dewi Ratnasari Gozali 321.300.000 32.130.000.000 17,85
Benny Wennas 56.700.000 5.670.000.000 3,15
Masyarakat
200.000.000 200.000.000.000 10,00
Public
Jumlah
2.000.000.000 180.000.000.000 100,00
Total
Penawaran umum perdana saham Perseroan dibantu The following capital market institutions and capital
oleh lembaga dan profesi penunjang pasar modal, market-supporting professionals have assisted the
antara lain: Company’s initial public offering implementation:
1. Biro Administrasi Efek 1. Share Registrar
PT Sinartama Gunita Jl. Lombok No. 71 Menteng, PT Sinartama Gunita Jl. Lombok No.71 Menteng,
Jakarta 10350 Jakarta 10350
2. Akuntan Publik 2. Public Accountant
Prasetio, Sarwoko dan Sandjaja Wisma 46, Kota Prasetio, Sarwoko & Sandjaja Wisma 46, Kota BNI,
BNI, lantai 25-28 dan 30-31 Jl. Jend Sudirman Kav.1, floors 25-28 dan 30-31 Jl. Jend Sudirman Kav. 1,
Jakarta 10220 Jakarta 10220
3. Konsultan Hukum 3. Legal Firm
William, Effendi & Co. Law Office, Jl. Blora No. 31 William, Effendi & Co. Law Office, Jl. Blora No. 31
Menteng, Jakarta 10310 Menteng, Jakarta 10310

.01 .02 .03 .04
2005
Berdasarkan Akta Pernyataan Keputusan Rapat Nomor 18 In accordance with the Deed of Decree of Meeting
tanggal 22 Juli 2005 dibuat di hadapan Indah Fatmawati, Minutes Number 18 dated July 22, 2005 made before
S.H., pengganti dari Poerbaningsih Adi Warsito, S.H., akta Fatmawati, S.H., replacing Poerbaningsih Adi Warsito,
mana telah dilaporkan kepada Menteri Hukum dan Hak S.H., a Notary in Jakarta, which has been reported
Asasi Manusia Republik Indonesia sesuai dengan surat to the Ministry of Justice and Human Rights of the
penerimaan laporan Nomor C-20953 HT.01.04. TH.2005 Republic of Indonesia through letter Number C-20953
tanggal 28 Juli 2005, sebagaimana ternyata dalam Rapat HT.01.04.TH.2005 dated July 28, 2005, as stated in the
Umum Pemegang Saham tertanggal 18 Juli 2005 yang General Meeting of Shareholders dated July 18, 2005
mana berita acara rapatnya termaktub dalam Akta Berita in which the meeting minutes stated in the Deed of
Acara Rapat Nomor 12 tanggal 18 Juli 2005 yang dibuat di Meeting Minutes Number 12 dated July 18, 2005 made
hadapan Notaris yang sama, akta mana telah diberitahukan before the same Notary, which has been received by the
kepada Menteri Hukum dan Hak Asasi Manusia Republik Ministry of Justice and Human Rights of the Republic
Indonesia sesuai dengan Surat Penerimaan Pemberitahuan of Indonesia as per Notification Acceptance Letter
Nomor C-UM.02.01.13027 tanggal 6 September 2005 di Number C-UM.02.01.13027 dated September 6, 2005
mana telah tercapainya seluruh proses Conditional Sales and in which all Conditional Sales and Purchase Agreement
Purchase Agreement (CSPA) pada tanggal 30 Mei 2005 Jo. (CSPA) processes have been achieved on May 30, 2005
Risalah Rapat Umum Luar Biasa Pemegang Saham (RUPSLB) in relation to the Minutes of the Extraordinary General
tertanggal 21 September 2004 yang dibuat secara di bawah Meeting of Shareholders (EGMS) dated September
tangan yang agendanya menyetujui penjualan saham- 21, 2004 made under a deed with an agenda that has
saham para pemegang saham kepada PT Bank Internasional approved the sale of shares of the shareholders to PT
Indonesia Tbk dan/atau pihak ketiga lainnya, dilaksanakan Bank Internasional Indonesia Tbk and/or other third
dengan CSPA tertanggal 16 September 2004, yang kemudian parties, executed with CSPA dated September 16, 2004,
diubah dengan First Amendment Agreement tertanggal in lieu of First Amendment Agreement dated November
8 November 2004 dan kemudian diubah kembali dengan 8, 2004 and amended again with Second Amendment
Second Amendment Agreement tertanggal 3 Mei 2005, di Agreement dated May 3, 2005, whereby all Company’s
mana para pemegang saham Perseroan telah sepakat untuk shareholders have agreed to transfer all shares of
mengalihkan seluruh saham milik Begawan Investment (L) Begawan Investment (L) Bhd. and part of shares
Bhd. dan sebagian besar saham-saham yang dimiliki oleh owned by Mochamad Thohir,Susianty Pranata, Widjaya
Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Budiman, Dewi Ratnasari Gozali, Benny Wennas and
Dewi Ratnasari Gozali, Benny Wennas dan Yanto Kasiman Yanto Kasiman, all totaling 860,000,000 shares, to PT
dengan jumlah seluruhnya sebanyak 860.000.000 saham Bank Internasional Indonesia Tbk (”BII”) with a price
kepada PT Bank Internasional Indonesia Tbk (”BII”) dengan per share of Rp495.000.
harga per saham sebesar Rp495,00.

.05 .06 .07
Bahwa penjualan saham-saham kepada pihak lainnya The sale of shares to other parties has been carried
tersebut telah dilaksanakan dengan: out through:
1. Investor Sale and Purchase Agreement tertanggal 1. Investor Sale and Purchase Agreement dated May
18 Mei 2005, di mana para pemegang saham 18, 2005. The Company’s shareholders have agreed
Perseroan telah sepakat untuk menjual sebagian on the sale of most of its shares in the Company
besar saham sahamnya di Perseroan yang masing- that are owned by Mochamad Thohir, Susianty
masing dimiliki oleh Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali,
Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Yanto Kasiman and Benny Wennas, for a total
Yanto Kasiman dan Benny Wennas dengan jumlah of 380,000,000 shares, to International Finance
seluruhnya sebanyak 380.000.000 saham kepada Corporation (”IFC”) with a price per share of
International Finance Corporation (”IFC”) dengan Rp495.000.
2. Investor Sale and Purchase Agreement tertanggal 2. Investor Sale and Purchase Agreement dated
27 Mei 2005, di mana para pemegang saham May 27, 2005. The Company’s shareholders have
Perseroan telah sepakat untuk menjual sebagian agreed on the sale of most of its shares in the
besar saham-sahamnya di Perseroan yang masing- Company owned by Mochamad Thohir, Susianty
masing dimiliki oleh Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali,
Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Yanto Kasiman and Benny Wennas, for a total of
Yanto Kasiman dan Benny Wennas dengan jumlah 100,000,000 shares, to DBS Nominees Pte. Ltd. (”DBS
seluruhnya sebanyak 100.000.000 saham kepada Nominees”) with a price per share of Rp495.000.
DBS Nominees Pte. Ltd. (”DBS Nominees”) dengan
Sehingga dengan adanya penjualan saham-saham Following the sale of shares that were in accordance
sesuai dengan CSPA, struktur permodalan dan susunan with Conditional Sales and Purchase Agreements (CSPA),
pemegang saham Perseroan adalah sebagai berikut: the Company’s capital structure and shareholding
composition are as follows:

Pemegang Saham %
Shareholders
PT Bank Internasional Indonesia 860.000.000 86.000.000.000 43,00

International Finance Corporation 380.000.000 38.000.000.000 19,00
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat
660.000.000 66.000.000.000 33,00
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total

.01 .02 .03 .04
2006
Pada tanggal 30 Juni 2006 terjadi pengalihan saham On June 30, 2006, there was a transfer of shares
sebanyak 79.800.000 saham atau sebesar 3,99% that amounted to 79,800,000 shares (or at 3.99%)
dari International Finance Corporation kepada from International Finance Corporation to PT Bank
PT Bank Internasional Indonesia Tbk, dengan harga Internasional Indonesia Tbk, with a price per share
per saham sebesar Rp527,25. Sehingga dengan adanya of Rp527.25. Following this transfer of shares,
pengalihan saham tersebut, struktur permodalan dan the Company’s capital structure and shareholding
susunan pemegang saham Perseroan sesuai dengan composition according to the Shareholders Registry
Daftar Pemegang Saham yang dikeluarkan oleh Biro issued by Share Registrar PT Sinartama Gunita dated
Administrasi Efek PT Sinartama Gunita per tanggal July 3, 2006 are as follows:
3 Juli 2006 adalah sebagai berikut:

Pemegang Saham
%
Shareholders
PT Bank Internasional Indonesia 939.800.000 93.980.000.000 46,99

Masyarakat
660.000.000 66.000.000.000 33,00
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total
2007
Pada tanggal 28 Juni 2007 terjadi pengalihan saham On June 28, 2007, there was a transfer of shares
sebanyak 60.800.000 saham atau sebesar 3,04% that amounted to 60,800,000 shares (or at 3.04%)
dari International Finance Corporation kepada from International Finance Corporation to PT Bank
PT Bank Internasional Indonesia Tbk dengan harga Internasional Indonesia Tbk, with a price per share
per saham sebesar Rp550,54. Sehingga dengan adanya of Rp550.54. Following this transfer of shares,
pengalihan saham tersebut, struktur permodalan dan the Company’s capital structure and shareholding
susunan pemegang saham Perseroan sesuai dengan composition according to the Shareholders Registry
Daftar Pemegang Saham yang dikeluarkan oleh Biro issued by Share Registrar PT Sinartama Gunita dated
Administrasi Efek PT Sinartama Gunita per tanggal December 31, 2007 are as follows:
31 Desember 2007 adalah sebagai berikut:

.05 .06 .07

Pemegang Saham
%
Shareholders
PT Bank Internasional Indonesia 1.000.600.000 100.060.000.000 50,03
Masyarakat
660.000.000 66.000.000.000 33,00
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total
2008
Selama Tahun 2008 tidak ada transaksi sehubungan There were no transactions in relation to authorized,
dengan modal dasar, modal ditempatkan dan disetor issued and fully paid-up capital throughout 2008,
penuh, kecuali transaksi yang normal diperjualbelikan di except for normal transactions conducted at the stock
bursa efek. Sesuai dengan Daftar Pemegang Saham yang exchange. In accordance with the Shareholders Registry
dikeluarkan oleh Biro Administrasi Efek PT Sinartama issued by Share Registrar PT Sinartama Gunita, the
Gunita, struktur permodalan dan susunan pemegang capital structure and composition of the Company’s
saham Perseroan pada tangggal 31 Desember 2008 sama shareholders as of December 31, 2008 is the same as it
dengan per tanggal 31 Desember 2007. was from December 31, 2007.

Pemegang Saham
%
Shareholders

Yanto Kasiman 96.580.445 9.658.044.500 4,82
Widjaya Budiman 36.924.036 3.692.403.600 1,85
Masyarakat
456.080.445 66.000.000.000 22,80
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total

.01 .02 .03 .04
2009
Selama Tahun 2009 tidak ada transaksi sehubungan There were no transactions in relation to authorized,
dengan modal dasar, modal ditempatkan dan disetor issued and fully paid-up capital throughout 2009,
penuh, kecuali transaksi yang normal diperjualbelikan except for normal transactions conducted at the stock
di bursa efek. Sesuai dengan Daftar Pemegang exchange. In accordance with the Shareholders Registry
Saham yang dikeluarkan oleh Biro Administrasi Efek issued by Share Registrar PT Sinartama Gunita, the
PT Sinartama Gunita, struktur permodalan dan capital structure and composition of the Company’s
susunan pemegang saham Perseroan pada tangggal shareholders as of December 31, 2009 is the same as it
31 Desember 2009 sama dengan per tanggal was from December 31, 2007 and December 31, 2008.
31 Desember 2007 dan 31 Desember 2008.

Pemegang Saham
%
Shareholders

Masyarakat
660.000.000 66.000.000.000 33,00
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total
2010
Mengacu pada Daftar Pemegang Saham yang dikeluarkan In accordance with the Shareholders Registry issued by
oleh Biro Administrasi Efek PT Sinartama Gunita terdapat Share Registrar PT Sinartama Gunita, a new shareholder
penambahan pemegang saham atas nama PT Wahana was added, PT Wahana Makmur Sejati, with a 5%
Makmur Sejati dengan kepemilikan di atas 5% per ownership as of June 30, 2010. The transfer of shares
tanggal 30 Juni 2010. Terjadi pengalihan saham pada was carried out on June 22, 2010 and amounted to
tanggal 22 Juni 2010 sebanyak 228.587.055 saham 228,587,055 shares with a price per share of Rp313.43,
dengan harga per saham sebesar Rp313,43, tanggal on June 23, 2020 with 4,500,000 shares and a price per
23 Juni 2010 sebanyak 4.500.000 saham dengan harga share of Rp300.00, on July 5, 2010 with 100,080,445
per saham sebesar Rp300,00, tanggal 5 Juli 2010 sebanyak shares and a price per share of Rp311.40, and on
100.080.445 saham dengan harga per saham sebesar August 6, 2010 with 1,635,000 shares and a price per
Rp311,40 dan 6 Agustus 2010 sebanyak 1.635.000 saham share of Rp369.36. Following this transfer of shares,
dengan harga per saham sebesar Rp369,36. Sehingga the Company’s capital structure and shareholding
dengan adanya pengalihan saham tersebut, struktur composition according to the Shareholders Registry
permodalan dan susunan pemegang saham Perseroan issued by Share Registrar PT Sinartama Gunita as of
sesuai dengan Daftar Pemegang Saham yang dikeluarkan December 31, 2010 are as follows:
oleh Biro Administrasi Efek PT Sinartama Gunita pada
tanggal 31 Desember 2010 adalah sebagai berikut:

.05 .06 .07

Pemegang Saham
%
Shareholders

PT Wahana Makmur Sejati 334.802.500 33.480.250.000 16,74
Masyarakat
325.197.500 32.519.750.000 16,26
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total
2011
Pada tahun 2011 terjadi beberapa kali transaksi yang Several transactions were conducted in 2011 and have
seluruhnya telah dilaporkan Perusahaan ke Bapepam & been reported to the Capital Market and Financial
LK serta Bursa Efek Indonesia yaitu: Institution Supervisory Agency as well as to the Indonesia
Stock Exchange. These transactions are as follows:
1. Pada tanggal 17 Maret 2011 PT Wahana Makmur 1. On March 17, 2011, PT Wahana Makmur Sejati
Sejati menambah kepemilikan saham di Perseroan added to its shares ownership in the Company
sejumlah 4.000.000 lembar saham (0,20%); that amounted to 4,000,000 shares (0.20%) in the
Company;
2. Pada tanggal 20 April 2011 PT Wahana Makmur 2. On April 20, 2011, PT Wahana Makmur Sejati added
Sejati menambah kepemilikan saham di Perseroan its shares ownership in the Company that amounted
sejumlah 3.030.500 lembar saham (0,15%); to 3,030,500 shares (0.15%) in the Company;
3. Pada tanggal 4 Juli 2011 PT Bank Internasional 3. On July 4, 2011, PT Bank Internasional Indonesia
Indonesia Tbk membeli saham Perusahaan dari Tbk bought Company shares from International
International Finance Corporation sebanyak Finance Corporation that amounted to 239,400,000
239.400.000 lembar saham (11,97%) pada harga shares (11.97%) at Rp522 per share;
sebesar Rp522 per lembar saham;
4. Pada tanggal 20 September 2011 PT Wahana Makmur 4. On September 20, 2011, PT Wahana Makmur Sejati
Sejati menambah kepemilikan saham di Perseroan added to its shares ownership in the Company that
sejumlah 3.058.000 lembar saham (0,15%). amounted to 3,058,000 shares (0.15%).
Dengan terjadinya transaksi tersebut di atas maka Following these transactions, the Company’s
komposisi pemegang saham Perusahaan per tanggal shareholding composition as of December 31, 2011 as
31 Desember 2011 yang tercatat oleh Biro Administrasi listed by Share Registrar PT Sinartama Gunita are as
Efek PT Sinartama Gunita adalah sebagai berikut: follows:

.01 .02 .03 .04

Pemegang Saham
%
Shareholders

Masyarakat
315.109.000 31.510.900.000 15,76
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total
2012
Sepanjang tahun 2012 tidak terjadi transaksi saham There were no shares transaction in relations with
Perseroan yang berhubungan dengan modal dasar, authorized, issued and paid-up capital throughout
modal ditempatkan dan modal disetor penuh, kecuali 2012, except for regular shares transactions conducted
transaksi saham biasa yang diperjualbelikan di Bursa Efek. at the Stock Exchange. The Company’s shareholder
Komposisi pemegang saham Perseroan per tanggal 31 composition as of December 31, 2012, as listed by the
Desember 2012 yang tercatat oleh Biro Administrasi Efek Share Registrar PT Sinartama Gunita, is as follows:
PT Sinartama Gunita adalah sebagai berikut:

Pemegang Saham
%
Shareholders

Masyarakat
315.109.000 31.510.900.000 15,76
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total

.05 .06 .07
2013
Di tahun 2013 terjadi perubahan pemegang saham atas There was a change of shareholders in 2013 for
nama PT Wahana Makmur Sejati. Pada tanggal 20 Mei 2013 PT Wahana Makmur Sejati. On May 20, 2013, PT
PT Wahana Makmur Sejati menjual kepemilikan saham Wahana Makmur Sejati sold its shares in the Company
di Perseroan sejumlah 17.517.500 lembar saham 0,88%. that amounted to 17,517,500 shares 0.88%. As a result,
Sehingga dengan adanya pengalihan saham tersebut, the capital structure and the Company’s shareholders
struktur permodalan dan susunan pemegang saham composition in accordance with the Shareholders
Perseroan sesuai dengan Daftar Pemegang Saham yang Registry issued by Share Registrar PT Sinartama Gunita
dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita as of December 31, 2013 are as follows:
pada tanggal 31 Desember 2013 adalah sebagai berikut:

Pemegang Saham
%
Shareholders

Masyarakat
332.626.500 33.262.650.000 16,63
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total
2014
Di tahun 2014 terjadi perubahan pemegang saham There was a change of shareholders in 2014 for
atas nama PT Wahana Makmur Sejati. Pada tanggal PT Wahana Makmur Sejati. On November 30, 2014,
30 November 2014 PT Wahana Makmur Sejati menjual PT Wahana Makmur Sejati sold its shares in the Company
kepemilikan saham di Perseroan sejumlah 3.967.300 that amounted to 3,967,300 shares 0.19%. As such,
lembar saham 0,19%. Sehingga dengan adanya the capital structure and the Company’s shareholders
pengalihan saham tersebut, struktur permodalan dan composition in accordance with the Shareholders
susunan pemegang saham Perseroan sesuai dengan Registry issued by Share Registrar PT Sinartama Gunita
Daftar Pemegang Saham yang dikeluarkan oleh Biro as of 31 December, 2014 are as follows:
Administrasi Efek PT Sinartama Gunita pada tanggal 31
Desember 2014 adalah sebagai berikut:

.01 .02 .03 .04

Pemegang Saham
%
Shareholders

Masyarakat
308.168.974 30.816.897.400 15,41
Public
Jumlah
2.000.000.000 200.000.000.000 100,00
Total
2015
Pada tahun 2015 terjadi perubahan pemegang There was a change of shareholders in PT Bank Maybank
saham atas nama PT Bank Maybank Indonesia Tbk Indonesia Tbk and PT Wahana Makmur Sejati in March
dan PT Wahana Makmur Sejati pada bulan Maret 2015. As a result, the Company’s capital structure and
2015. Dengan adanya perubahan saham tersebut, the Company’s shareholders composition in accordance
struktur permodalan dan susunan pemegang saham with the Shareholders Registry issued by Share Registrar
Perseroan sesuai dengan Daftar Pemegang Saham yang PT Sinartama Gunita as of December 31, 2015 are as
dikeluarkan oleh Biro Administrasi Efek PT Sinartama follows:
Gunita pada tanggal 31 Desember 2015 adalah sebagai
berikut:

Pemegang Saham
%
Shareholders

Masyarakat
479.834.751 47.983.475.100 13,78
Public
Jumlah
3.481.481.480 348.148.148.000 100,00
Total

.05 .06 .07
2016
Pada tahun 2016 tidak terjadi perubahan pemegang In 2016, there was not a change in shareholders on
saham atas nama PT Bank Maybank Indonesia Tbk behalf of PT Bank Maybank Indonesia Tbk and PT
dan PT Wahana Makmur Sejati. Dengan demikian, Wahana Makmur Sejati. As a result, the Company’s
struktur permodalan dan susunan pemegang saham capital structure and the Company’s shareholders
Perseroan sesuai dengan Daftar Pemegang Saham yang composition in accordance with the Shareholders
dikeluarkan oleh Biro Administrasi Efek PT Sinartama Registry issued by Share Registrar PT Sinartama Gunita
Gunita pada tanggal 31 Desember 2016 adalah sebagai as of December 31, 2016 are as follows:
berikut:

Pemegang Saham
%
Shareholders

Masyarakat
479.834.751 47.983.475.100 13,78
Public
Jumlah
3.481.481.480 348.148.148.000 100,00
Total
2017
Pada tahun 2017 terjadi perubahan pemegang saham There was a change of shareholders in PT Wahana
atas PT Wahana Makmur Sejati. Dengan demikian, Makmur Sejati in 2017. As a result, the Company’s capital
struktur permodalan dan susunan pemegang saham structure and the Company’s shareholders composition
Perseroan sesuai dengan Daftar Pemegang Saham yang in accordance with the Shareholders Registry issued by
dikeluarkan oleh Biro Administrasi Efek PT Sinartama Share Registrar PT Sinartama Gunita as of December 31,
Gunita pada tanggal 31 Desember 2017 adalah sebagai 2017 are as follows:
berikut:

.01 .02 .03 .04

Pemegang Saham
%
Shareholders

Masyarakat
356.525.851 35.652.585.100 10,24
Public
Jumlah
3.481.481.480 348.148.148.000 100,00
Total
2018
Pada tahun 2018 terjadi perubahan pemegang saham There was a change of shareholders in PT Wahana
atas PT Wahana Makmur Sejati. Dengan demikian, Makmur Sejati in 2018. As a result, the Company’s capital
struktur permodalan dan susunan pemegang saham structure and the Company’s shareholders composition
Perseroan sesuai dengan Daftar Pemegang Saham yang in accordance with the Shareholders Registry issued by
dikeluarkan oleh Biro Administrasi Efek PT Sinartama Share Registrar PT Sinartama Gunita as of December 31,
Gunita pada tanggal 31 Desember 2018 adalah sebagai 2018 are as follows:
berikut:

Pemegang Saham
%
Shareholders

Masyarakat
261.518.151 26.151.815.100 7,51
Public
Jumlah
3.481.481.480 348.148.148.000 100,00
Total

.05 .06 .07
2019
Pada tahun 2019 tidak terjadi perubahan pemegang There was no change of shareholders in PT Bank
saham atas nama PT Bank Maybank Indonesia Tbk dan Maybank Indonesia Tbk and PT Wahana Makmur Sejati
PT Wahana Makmur Sejati. Dengan demikian, struktur in 2019. As such, the Company’s capital structure and
permodalan dan susunan pemegang saham Perseroan the Company’s shareholders composition in accordance
sesuai dengan Daftar Pemegang Saham yang dikeluarkan with the Shareholders Registry issued by Share Registrar
oleh Biro Administrasi Efek PT Sinartama Gunita pada PT Sinartama Gunita on December 31, 2019 are as
tanggal 31 Desember 2019 adalah sebagai berikut: follows:

Pemegang Saham
%
Shareholders

Masyarakat
261.518.151 26.151.815.100 7,51
Public
Jumlah
3.481.481.480 348.148.148.000 100,00
Total
2020
Pada tanggal 17 Februari 2020 PT Wahana Makmur On February 17, 2020, PT Wahana Makmur Sejati
Sejati menambah kepemilikan saham dari 23,94% increased its share ownership from 23.94% to 25.01%.
menjadi 25,01%. Jumlah transaksi pembelian saham The total share purchase transaction was Rp12.303
tersebut sejumlah Rp12.303 miliar (atau sebesar billion (or an equivalent of 37,283,400 shares). As
37.283.400 lembar saham) dan menyebabkan perubahan such, the Company’s shareholding structure and share
pada susunan pemegang saham dan komposisi ownership composition are as follows:
kepemilikan saham dalam Perseroan sebagai berikut:

.01 .02 .03 .04

Pemegang Saham
%
Shareholders

Masyarakat
224.234.751 22.423.475.100 6,44
Public
Jumlah
3.481.481.480 348.148.148.000 100,00
Total
2021
Pada tanggal 25 Februari 2021 PT Bank Maybank On February 25, 2021, PT Bank Maybank Indonesia Tbk
Indonesia Tbk menjual kepemilikan saham dari 68,55% sold its share ownership from 68.55% to 67.49%. The
menjadi 67,49%. Jumlah transaksi pembelian saham total share purchase transaction amounted to Rp9.40
tersebut sejumlah Rp9,40 miliar (atau sebesar 37.000.000 billion (or 37,000,000 shares) and caused changes in the
lembar saham) dan menyebabkan perubahan pada composition of shareholders and share ownership in
susunan pemegang saham dan komposisi kepemilikan the Company as follows:
saham dalam Perseroan sebagai berikut:

Pemegang Saham
%
Shareholders

Masyarakat
261.234.751 26.123.475.100 7,50
Public
Jumlah
3.481.481.480 348.148.148.000 100,00
Total

.05 .06 .07
Kronologi Penerbitan Efek Lain

Other Stocks Chronology
Per 31 Desember 2021

As of December 31, 2021
Bunga
Nama Seri Peringkat Jatuh Tempo Keterangan
Coupon Nominal Total (Rp)
Bonds Series Ratings Maturity Description
Rate
11 November 2006 Telah dilunasi

Seri A 13,50% 150.000.000.000
Obligasi I November 11, 2006 sesuai tanggal
WOM Finance jatuh tempo
Tahun 2003 A-(idn) 300.000.000.000
Bonds I WOM 11 November 2007 Has been fully paid
Seri B 13,75% 150.000.000.000
Finance 2003 November 11, 2007 as per maturity
date
07 Juni 2007 Telah dilunasi
Seri A 12,75% 190.000.000.000
Obligasi II June 07, 2007 sesuai tanggal
07 Juni 2008
Tahun 2005 Seri B 13,25% 140.000.000.000 A-(idn) 500.000.000.000
June 07, 2008
Bonds II WOM Has been fully paid
Finance 2005 07 Juni 2009 as per maturity
Seri C 13,90% 170.000.000.000 date
June 07, 2009
Seri A 14,85% 200.000.000.000
Obligasi III June 07, 2008 sesuai tanggal
07 Juni 2009
Tahun 2006 Seri B 15,15% 465.000.000.000 A-(idn) 825.000.000.000
June 07, 2009
Bonds III WOM Has been fully paid
Finance 2006 07 Juni 2010 as per maturity
Seri C 15,35% 160.000.000.000 date
June 07, 2010
29 Mei 2010 Telah dilunasi
Seri A 11,25% 225.000.000.000
Obligasi IV May 29, 2010 sesuai tanggal
29 Mei 2011
Tahun 2007 Seri B 11,63% 185.000.000.000 A-(idn) 1.000.000.000.000
May 29, 2010
Bonds IV WOM Has been fully paid
Finance 2007 29 November 2011 as per maturity
Seri C 12,00% 590.000.000.000 date
November 29, 2011
09 Maret 2012
Seri A 8,75% 294.000.000.000
March 09, 2012 Telah dilunasi
04 Maret 2013 sesuai tanggal
Obligasi V Seri B 9,60% 120.000.000.000 jatuh tempo
March 04, 2013
Tahun 2011 AA (idn) 1.400.000.000.000
Bonds V 2011 04 Maret 2014 Has been fully paid
Seri C 10,30% 366.000.000.000
March 04, 2014 as per maturity
04 Maret 2015 date
Seri D 11,00% 620.000.000.000
March 04, 2015
05 Juli 2015 Telah dilunasi
Obligasi Seri A 10,25% 397.000.000.000 AA-(idn)
July 05, 2015 sesuai tanggal
Berkelanjutan
jatuh tempo
I Tahap I
600.000.000.000
Tahun 2014 25 Juni 2017
Seri B 11,00% 203.000.000.000 AA-(idn) Has been fully paid
Shelf Bonds I June 25, 2017 as per maturity
Phase I 2014
date
15 Desember 2015 Telah dilunasi
December 15, 2015 sesuai tanggal
Berkelanjutan
jatuh tempo
I Tahap II
800.000.000.000
Tahun 2014 05 Desember 2017
Shelf Bonds I December 05, 2017 as per maturity
Phase II 2014
date

.01 .02 .03 .04
Bunga
Rate
12 April 2016 Telah dilunasi

April 12, 2016 sesuai tanggal
Berkelanjutan
jatuh tempo
I Tahap III
1.000.000.000.000
Tahun 2015 02 April 2018
Shelf Bonds I April 02, 2018 as per maturity
Phase III 2015
date
Obligasi 02 Januari 2017 Telah dilunasi
Seri A 9,35% 203.000.000.000 AA-(idn)
Berkelanjutan January 02, 2017 sesuai tanggal
I Tahap IV jatuh tempo
Tahun 2015 600.000.000.000
22 Desember 2018 Has been fully paid
Seri B 10,80% 397.000.000.000 AA-(idn)
Shelf Bonds I December 22, 2018 as per maturity
Phase IV 2015 date
Obligasi 04 Juli 2017 Telah dilunasi
Seri A 8,50% 442.000.000.000
Berkelanjutan July 04, 2017 sesuai tanggal
II Tahap I jatuh tempo
Tahun 2016 AA-(idn) 665.000.000.000
24 Juni 2019 Has been fully paid
Seri B 9,50% 223.000.000.000
Shelf Bonds II June 24, 2019 as per maturity
Phase I 2016 date
01 September 2018 Telah dilunasi
Obligasi Seri A 7,80% 400.000.000.000
September 01, 2018 sesuai tanggal
Berkelanjutan
jatuh tempo
II Tahap II
AA-(idn) 720.500.000.000
Tahun 2017 22 Agustus 2020
Seri B 8,90% 320.500.000.000 Has been fully paid
Shelf Bonds II August 22, 2020 as per maturity
Phase II 2017
date
Obligasi Seri A 7,15% 601.500.000.000
December 16, 2018 sesuai tanggal
Berkelanjutan
jatuh tempo
II Tahap III
AA-(idn) 867.500.000.000
Tahun 2017 06 December 2020
Shelf Bonds II December 06, 2020 as per maturity
Phase III 2017
date
16 April 2019 Telah dilunasi
Obligasi Seri A 6,85% 626.000.000.000
April 16, 2019 sesuai tanggal
Berkelanjutan
jatuh tempo
II Tahap IV 06 April 2020
Seri B 7,50% 55.000.000.000 AA-(idn) 793.000.000.000
Tahun 2018 April 06, 2020
Has been fully paid
Shelf Bonds II
06 April 2021 as per maturity
Phase IV 2018 Seri C 8,15% 112.000.000.000
April 06, 2021 date
Obligasi Seri A 7,35% 293.000.000.000
June 18, 2019 sesuai tanggal
Berkelanjutan
jatuh tempo
II Tahap V
AA-(idn) 360.500.000.000
Tahun 2018 08 Juni 2021
Shelf Bonds II June 08, 2021 as per maturity
Phase V 2018
date

.05 .06 .07
Bunga
Rate

Obligasi Seri A 9,25% 411.500.000.000
Desember 30, 2019 sesuai tanggal
Berkelanjutan
jatuh tempo
III Tahap I 20 Desember 2020
Seri B 9,75% 40.000.000.000 AA-(idn) 570.500.000.000
Tahun 2018 Desember 20, 2020
Has been fully paid
Shelf Bonds III
20 Desember 2021 as per maturity
Phase I 2018 Seri C 10,00% 119.000.000.000
Desember 20, 2021 date
09 Juni 2020
Obligasi Seri A 8,50% 931.500.000.000
Juni 09, 2020 Seri C
Berkelanjutan
Outstanding
III Tahap II 29 Mei 2021
Seri B 9,15% 125.500.000.000 AA-(idn) 1.675.000.000.000
Tahun 2019 May 29, 2021
Series C are still
Shelf Bonds III
29 Mei 2022 outstanding
Phase II 2019 Seri C 9,85% 618.000.000.000
May 29, 2022
Obligasi 08 Juni 2021
Seri A 8,50% 227.500.000.000 Seri B
Berkelanjutan June 08, 2021
Outstanding
III Tahap III
AA-(idn) 260.300.000.000
Tahun 2020 28 Mei 2023
Seri B 9,60% 32.800.000.000 Series B are still
Shelf Bonds III May 28, 2023 outstanding
Phase III 2020
Obligasi 20 September 2021
Seri A 8,00% 328.000.000.000 Seri B
Berkelanjutan September 20, 2021
Outstanding
III Tahap IV
AA-(idn) 500.000.000.000
Tahun 2020 10 September 2023
Seri B 9,15% 172.000.000.000 Series B are still
Shelf Bonds III September 10, 2023 outstanding
Phase IV 2020
Obligasi 08 Agustus 2022
Seri A 5,50% 302.000.000.000
Berkelanjutan August 08, 2022 Masih
IV Tahap I Outstanding
AA-(idn) 500.000.000.000
Tahun 2021 28 Juli 2024
Shelf Bonds IV Seri B 7,00% 198.000.000.000 Still Outstanding
July 28, 2024
Phase I 2021

.01 .02 .03 .04
Nama dan Alamat Lembaga

Profesi Penunjang
Name and Address of Supporting Institutions Professionals
BIRO ADMINISTRASI EFEK (BAE)

SHARE REGISTRAR
Nama
PT Sinartama Gunita
Name
Alamat Menara Tekno Lantai 7, Jl.Fachrudin No.19, RT 1, RW 7, Kelurahan Kampung Bali,

Address Kecamatan Tanah Abang, Jakarta Pusat 10250
Jasa Yang Diberikan Pemeliharaan Data Saham Perseroan

Service Provided Company Shares Data Administration
Periode Penugasan Per Tahun

Assignment Period Per Year
KANTOR AKUNTAN PUBLIK

PUBLIC ACCOUNTING OFFICE
Nama Purwanto, Sungkoro & Surja (Firma anggota Ernst & Young Global Limited)
Name Purwanto, Sungkoro & Surja (a member firm of Ernst & Young Global Limited)
Alamat
Gedung Bursa Efek Indonesia Tower II, Lantai 7, Jl. Jend. Sudirman Kav. 52-53, Jakarta 12190
Address
Audit terhadap Laporan Keuangan Tahunan Perseroan untuk Tahun Buku yang berakhir
Jasa Yang Diberikan 31 Desember 2021
Service Provided Providing audits of the Company’s Annual Financial Statements for the fiscal year that ended on
December 31, 2021
Periode Penugasan Per Laporan Keuangan Tahunan

Assignment Period Per Annual Financial Statements
PERUSAHAAN PEMERINGKAT EFEK

SHARE RATING AGENCY
Nama
PT Fitch Ratings Indonesia
Name
Alamat
DBS Tower, Lantai 24 suite 2403, Jl. Prof DR. Satrio, Kav.3-5, Jakarta 12940
Address
Jasa Yang Diberikan Review rating Penawaran Umum Berkelanjutan Obligasi IV WOM Finance Tahap I Tahun 2021
Service Provided Reviewing the rating of Shelf Bonds Public Offering IV WOM Finance Phase I of 2021
Periode Penugasan Per Penerbitan Obligasi sampai dengan Obligasi Lunas

Assignment Period Per Bond Issuance up to Bonds Paid

.05 .06 .07
PROFESI PENUNJANG PASAR MODAL

CAPITAL MARKET SUPPORTING PROFESSIONALS
Nama
IRMA & SOLOMON Law Firm
Name
Alamat
Sequis Center Lt.9, Jl. Jend. Sudirman 71, Jakarta 12190
Address
Jasa Hukum Rencana Penawaran Umum Berkelanjutan IV Obligasi Berkelanjutan Tahap I

Jasa Yang Diberikan
Tahun 2021
Service Provided
Legal Services of Plan for Shelf Public Offering of Shelf Registration Bond IV Phase I of 2021
Sejak penunjukkan (19 April 2021) hingga diperolehnya pernyataan efektif dari Otoritas
Jasa Keuangan atas pernyataan pendaftaran Penawaran Umum Berkelanjutan IV Obligasi
Periode Penugasan Berkelanjutan Tahap I Tahun 2021 (16 Juli 2021)
Assignment Period Since the appointment (April 19, 2021) until the receipt of effective statement from the Financial
Services Authority on the registration statement for Shelf Public Offering of Shelf Registration Bond IV
Phase I of 2021 (July 16, 2021)
Nama
PT Kustodian Sentral Efek Indonesia (KSEI)
Name
Alamat
Gedung Bursa Efek Indonesia Tower I, Lantai 5, Jl. Jend Sudirman Kav.52-53, Jakarta 12910
Address
Jasa Pendaftaran Obligasi dan Agen Pembayaran Penawaran Umum Berkelanjutan Obligasi
Jasa Yang Diberikan IV WOM Finance Tahap I Tahun 2021
Service Provided Providing Bonds Registry Services and Payment Agent for Shelf Bonds Public Offering IV WOM
Finance Phase I of 2021
Periode Penugasan Per Tahun

Assignment Period Per Year
Nama
Ir. Nanette Cahyanie Handari Adi Warsito, S.H.
Name
Alamat
Jl. Panglima Polim V/11, Kebayoran Baru, Jakarta 12160
Address
Biaya akta-akta Penawaran Umum Berkelanjutan Obligasi IV WOM Finance Tahap I

Jasa Yang Diberikan
Tahun 2021
Service Provided
Fees for the deeds of Shelf Bonds Public Offering IV WOM Finance Phase I of 2021
Periode Penugasan Per Pembuatan Akta

Assignment Period Per Deed Development

.01 .02 .03 .04
Nama
Aryati Artisari, S.H., M.Kn.
Name
Alamat
Menara Sudirman Lantai 18 Lot ABD, Jalan Jenderal Sudirman Kav. 60, Jakarta Selatan, 12910
Address
Pembuatan Akta RUPS, persetujuan pemberitahuan ke MENKUMHAM RI, dan pencetakan BNRI
Jasa Yang Diberikan
Development of GMS Deeds, approval of notification to RI Ministry of Justice and Human Rights, and
Service Provided
printing of BNRI
Periode Penugasan Per Rapat Umum Pemegang Saham Perseroan di Tahun 2021
Assignment Period Per General Meeting Of Shareholders of the Company in 2021
Nama
PT Bank Rakyat Indonesia (Persero) Tbk
Name
Alamat
BRI II Building 30th floor, Jl. Jend Sudirman Kav. 44-46, Jakarta 10210
Address
Jasa Perwaliamanatan Penawaran Umum Berkelanjutan Obligasi IV WOM Finance Tahap I

Jasa Yang Diberikan
Tahun 2021
Service Provided
Trustee Services for Shelf Bonds Public Offering IV WOM Finance Phase I of 2021
Periode Penugasan Per Penerbitan Obligasi sampai dengan Obligasi Lunas

Assignment Period Per Bond Issuance up to Bonds Paid

.05 .06 .07
Penghargaan dan Sertifikasi

Awards & Certifications
Sepanjang tahun 2021, Perseroan mendapat apresiasi Throughout 2021, the Company robtained appreciation
dari berbagai pihak berupa penghargaan serta from various parties through awards and certifications
sertifikasi sebagai berikut: as follows:
1. Indonesia Good Governance Awards - VI - 2021, 1. Indonesia Good Governance Awards - VI - 2021,
Kategori : 2nd The Best - Indonesia GCG Award - Category : 2nd The Best - Indonesia GCG Award -
VI - 2021 - Public Company - Multifinance Asset VI - 2021 - Public Company - 5T - 10T Multifinance
5T - 10T. Assets.
2. Iconomics Multifinance Awards 2021, Kategori: 2. Iconomics Multifinance Awards 2021, Category:
Best Performing Multifinance - Aset Rp5 Triliun - Best Performing Multifinance - Rp5 Trillion - Rp10
Rp10 Triliun. Trillion Assets.
3. Indonesia Digital Innovation Awards 2021, Kategori: 3. Indonesia Digital Innovation Awards 2021, Category:
The Most Innovative Company for The Digital The Most Innovative Company for The Digital
Installment Payment Systems - Financial Services. Installment Payment Systems - Financial Services.
4. Indonesia Enterprise Risk Management Award – IV 4. Indonesia Enterprise Risk Management Award – IV
- 2021, Kategori : 2nd The Best Indonesia Enterprises - 2021, Category : 2nd The Best Indonesia Enterprises
Risk Management – IV 2021 - Multifinance Asset Risk Management – IV 2021 - Multifinance Asset
< Rp10T. < Rp10T.
5. TOP CSR Awards 2021, Kategori : TOP CSR Awards 5. TOP CSR Awards 2021, Category : TOP CSR Award
2021 #star4 dan Top Leader on CSR Commitment 2021 #star4 and Top Leader on CSR Commitment
2021. 2021.
6. 2nd Teropong CSR Award 2021, Kategori: 6. 2nd Teropong CSR Award 2021, Category:
Peduli Covid-19 dan Peduli Sosial. Care for Covid-19 and Care for Social.
7. Indonesia Corporate Secretary and Corporate 7. Indonesia Corporate Secretary and Corporate
Communication Award - VI - 2021, Kategori: Communication Award - VI - 2021, Category:
2nd The Best Informative Website - Multifinance - 2nd The Best Informative Website - Multifinance -
Public Company. Public Company.
8. Indonesia CSR Award 2021, Kategori: 8. Indonesia CSR Awards 2021, Category:
Indonesia Best CSR Award with Outstanding Indonesia Best CSR Award with Outstanding
Program in Local Community Disaster Relief - Sector: Program in Local Community Disaster Relief - Sector:
Finance - Subsector : Multifinance. Finance - Subsector : Multifinance.
9. Indonesia Best CEO Awards Employee’s Choice 9. Indonesia Best CEO Awards Employee’s Choice
2021, Kategori : Best CEO in Multifinance - Under 2021, Category : Best CEO in Multifinance - Under
10 Trillion Rp Category. 10 Trillion Rp Category.
10. Teropong Public Relation Award 2021, Kategori: 10. Teropong Public Relations Award 2021, Category:
Best Digital Innovation. Best Digital Innovation.
11. Indonesia Financial Top Leader Awards 2021, 11. Indonesia Financial Top Leader Awards 2021,
Kategori : Best Leader for Business Resilience Category : Best Leader for Business Resilience
Through Business Inovation - Effectiveness of Digital Through Business Inovation - Effectiveness of
Acceleration, Kategori Multifinance Asset 5T - 10T. Digital Acceleration, 5T - Rp10T Assets Categories.
12. Indonesia Best Multifinance Awards 2021, Kategori: 12. Indonesia Best Multifinance Awards 2021, Category:
Best Multifinance 2021 with Outstanding Financial Best Multifinance 2021 with Outstanding Financial
Performance and Vehicle Financing Credit Performance and Vehicle Financing Credit
Development - Total Assets 1-5 Trillion. Development - Total Assets of 1-5 Trillion.
13. Top GRC Awards 2021, Kategori : TOP GRC Awards 13. Top GRC Awards 2021, Category: TOP GRC Awards
2021 #Stars 4 , The Most Committed GRC Leader 2021 #Stars 4 , The Most Committed GRC Leader
2021 dan The High Performing Corporate Secretary 2021 and The High Performing Corporate Secretary
on GRC 2021. on GRC 2021.

.01 .02 .03 .04
14. Stellar Workplace Award 2021, Kategori: 14. Stellar Workplace Award 2021, Category:
Stellar Workplace Recognition in Employee Stellar Workplace Recognition in Employee
Commitment and Satisfaction. Commitment and Satisfaction.
15. Indonesia Finance Award-IV-2021, Kategori: 15. Indonesia Finance Award-IV-2021, Category:
Score A - Platinum (Very Excellent) Indonesia Finance Score A - Platinum (Very Excellent) Indonesia Finance
Award - IV - 2021 - Public Multifinance Company. Award - IV - 2021 - Public Multifinance Company.
16. Top Digital Awards 2021, Kategori : Top Digital 16. Top Digital Awards 2021, Category: Top Digital
2021 # Level 4 Stars dan Top Leader on Digital 2021 # Level 4 Stars and Top Leader on Digital
Implementation 2021. Implementation 2021.
17. Indonesia Leaders Award-II-2021, Kategori: 17. Indonesia Leaders Award-II-2021, Category:
The Best Indonesia Leaders – 2021 - Category The Best Indonesia Leaders – 2021 - Category
Director – Public Company – Multifinance. Director – Public Company – Multifinance.
1 2
4 5 5

.05 .06 .07
6 6 7
8 9
10
11 12
13

.01 .02 .03 .04
14
13 13
16
15
16
17

.05 .06 .07
Informasi pada Website Perusahaan

Corporate Website Information
Menu Deskripsi
Menu Description
Promo
Promo
Pembiayaan Multiguna (MotorKu dan MobilKu)
Pelanggan Multipurpose Financing (MotorKu and MobilKu)
Customer Produk Pembiayaan Motor Baru
Products New Motorcycle Financing
MasKu
Sejarah
History
Visi
Profil Perusahaan Vision
Company Profile Misi
Mission
Nilai Perusahaan
Corporate Values
Dewan Komisaris
Direksi
Board of Directors
Manajemen Sharia Supervisory Board
Management Sekretaris Perusahaan
Korporat Informasi Perusahaan Corporate Secretary
Corporate Company Information Kepala Unit Audit Internal
Head of Internal Audit Unit
Kepala Regional
Regional Head
Penghargaan
Awards
Struktur Organisasi Perusahaan
Company Organization Structure
Struktur Pemegang Saham
Shareholder Structure
Struktur Grup Perusahaan
Company Group Structure
Anggaran Dasar Perusahaan
Company Articles of Association
Lembaga Profesi Penunjang Pasar Modal
Capital Market Supporting Professional Institutions

.01 .02 .03 .04
Menu Deskripsi
Menu Description
Laporan Tahunan
Annual Report
Laporan Keuangan
Financial Statements
Laporan Berkelanjutan
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Prospektus Penawaran Umum
Public Offering Prospectus
Korporat Hubungan Investor Informasi Obligasi/Sukuk
Corporate Investor Relations Bond/Sukuk Information
Publikasi
Keterbukaan Publication
Informasi
Information Disclosure Laporan
Report
Informasi Saham
Stock Information
Berita dan Informasi
News and Information
Pemeringkat Pembiayaan
Financing Rating

.05 .06 .07
Menu Deskripsi
Menu Description
Pedoman Kerja
Work Guidelines
Kode Etik Perusahaan
Company Code of Conduct
Komite Audit
Audit Committee
Komite Manajemen Risiko
Komite Perusahaan Risk Management Committee
Corporate Committee Komite Nominasi dan Remunerasi
Komite Pemantau Resiko
Risk Monitoring Committee
Pedoman Tata Kelola Perusahaan
Corporate Governance Guidelines
Penjelasan APU PPT
AML CFT Explanation
Tata Kelola APU PPT Kebijakan APU PPT
Good Corporate Governance AML CFT AML CFT Policy
Korporat Pelatihan APU PPT
Corporate AML CFT Training
Sistem Penanganan Pengaduan Konsumen
Pengaduan Konsumen Consumer Complaint Handling System
Consumer Complaint Laporan Pengaduan Konsumen
Consumer Complaint Report
Kebijakan Komunikasi Dengan
Pemegang Saham Atau Investor
Communication Policy with Shareholders
or Investors
Kebijakan Perusahan Kebijakan Manajemen Resiko

Company Policy Risk Management Policy
Kebijakan Anti Korupsi
Anti-Corruption Policy
Kebijakan Whistleblowing
Whistleblowing Policy
Tentang CSR
Tanggung Jawab Perusahaan About CSR
Corporate Social Responsibility Program CSR
CSR Programs
Tips
Tips
Karir Events
Career Events
Karir
Career

.01 .02 .03 .04
Pendidikan dan Pelatihan Manajemen

Education & Training of Management
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Nama BOC Sertifikasi/Pelatihan Tempat Tanggal Peyelenggara

No
BOC Name Cerification/Training Venue Date Organizer
Seminar Online Peluang dan

Tantangan Kebijakan Restrukturisasi
Tahap 2 27 April 2021
1 I Nyoman Tjager Webinar APPI
April 27, 2021
Online Seminar on Restructuring Policy
Opportunities and Challenges Phase 2
Robbyanto Online Seminar Cross-Industry 27 Juli 2021
2 Webinar APPI
Budiman Collaboration for Multifinance July 27, 2021
Thilagavathy Online Seminar Cross-Industry 27 Juli 2021
3 Webinar APPI
Nadason Collaboration for Multifinance July 27, 2021
Seminar Online Economic 28 September 2021
4 Garibaldi Thohir Webinar APPI
Outlook 2022 September 28, 2021
Webinar APPI
April 27, 2021
Myrnie Zachraini Perlindungan Data Pribadi dan
5
Tamin Urgensinya dalam Menjaga Hak Privasi
bagi Perusahaan yang Beroperasi di
Indonesia 31 Agustus 2021
Webinar CRMS
August 31, 2021
Protection of Personal Data and Urgency
in Maintaining Privacy Rights for
Companies Operating in Indonesia
DIREKSI
BOARD OF DIRECTORS
Nama BOD Sertifikasi/Pelatihan Tempat Tanggal Peyelenggara

No
BOD Name Cerification/Training Venue Date Organizer

Webinar APPI
Djaja Suryanto April 27, 2021
1 Online Seminar on Restructuring Policy
Sutandar
Online Seminar Cross-Industry 27 Juli 2021
Webinar APPI
Collaboration for Multifinance July 27, 2021
Zacharia Tahap 2 27 April 2021
2 Webinar APPI
Susantadiredja April 27, 2021

.05 .06 .07
Nama BOD Sertifikasi/Pelatihan Tempat Tanggal Peyelenggara

No
BOD Name Cerification/Training Venue Date Organizer

Webinar APPI
April 27, 2021
3 Njauw Vido Onadi Online Seminar on Restructuring Policy
Webinar APPI
Webinar APPI
April 27, 2021
Pelindungan Data Pribadi dan
Anthony Yuarez Urgensinya dalam Menjaga Hak
4
Panggabean Privasi bagi Perusahaan yang
Beroperasi di Indonesia 31 Agustus 2021
Webinar CRMS
August 31, 2021
Protection of Personal Data and Urgency
in Maintaining Privacy Rights for
Webinar APPI
Webinar APPI
5 Wibowo
Seminar Online Economic 28 September 2021
Webinar APPI
Outlook 2022 September 28, 2021

.01 .02 .03 .04
Wilayah Operasional
Operational Map
Perseroan beroperasi di berbagai wilayah di Indonesia dan tidak beroperasi di negara lain, dengan persebaran
sebagai berikut:
Kantor Regional Sumatera Bagian Utara, terdiri dari:

Regional Offices of North Sumatera, consisting of:
18 Kantor Cabang | Branch Offices

(14 Kantor Cabang Unit Usaha Syariah | Sharia Unit Branch Offices)
3 Kantor Selain Kantor Cabang | Non-Branch Offices
Kantor Regional Sumatera Bagian Selatan, terdiri dari:


Kantor Regional Jakarta, Bogor, Depok & Bekasi, terdiri dari:

Regional Offices of Jakarta, Bogor, Depok & Bekasi, consisting of:

Kantor Regional Banten, terdiri dari:

Regional Offices of Banten, consisting of:

Kantor Regional Jawa Barat, terdiri dari:

West Java Regional Offices, consisting of:


.05 .06 .07
The Company operates in various regions in Indonesia and does not run its operation in other countries. The
distribution of its operation is presented as follows:
Kantor Regional Kalimantan Sulawesi, terdiri dari:

Regional Offices of Kalimantan Sulawesi, consisting of:

Kantor Regional Jawa Timur, Bali, Nusa Tenggara, terdiri dari:

Regional Offices of East Java, Bali, Nusa Tenggara, consisting of:

Kantor Regional Jawa Tengah, terdiri dari: (18 Kantor Cabang Unit Usaha Syariah | Sharia Unit Branch Offices)
Central Java Regional Offices, consisting of: 12 Kantor Selain Kantor Cabang | Non-Branch Offices


.01 .02 .03 .04
Alamat Kantor Pusat, Kantor Cabang dan

Head Office Office, Branch Office and Non-Branch Office Addresses
Kantor Pusat | Head Office Kantor Pusat | Head Office

ALTIRA OFFICE TOWER, Lt.32, 33, & 35 ALTIRA OFFICE TOWER, Lt.32, 33, & 35
Jl. Yos Sudarso Kav. 85, Sunter Jaya, Tanjung Priok Jl. Yos Sudarso Kav. 85, Sunter Jaya, Tanjung Priok
Kota Administrasi Jakarta Utara 14350 North Jakarta Administrative City 14350
KANTOR CABANG (KC) & KANTOR SELAIN KANTOR BRANCH OFFICES & NON-BRANCH OFFICES
CABANG (KSKC )
BU I – Jakarta - Bogor - Depok - Bekasi
Status
Nama Kantor Alamat Kantor Kota/Kabupaten
Kantor
Office Name Office Address Cities/Regencies
Description
Kantor Kota Administrasi

Jalan Peta Selatan, Komplek Ruko Citi Square Business Park Blok
Cabang Jakarta Barat
Daan Mogot*) G-2 & G-3, Kelurahan Kalideres, Kecamatan Kalideres, Jakarta
Branch West Jakarta
Barat.
Office Administrative City

Mega Glodok Kemayoran Office Ruko Blok C Nomor 27-28
Cabang Jakarta Pusat
Kemayoran*) Jalan Angkasa Blok B Kav.6, Kelurahan Gunung Sahari Selatan,
Branch Central Jakarta
Kecamatan Kemayoran.

Jalan Balai Pustaka Timur No. 14 A RT 004/11 Blok J Kav. 225,
Cabang Jakarta Timur
Rawamangun*) Kelurahan Rawamangun, Kecamatan Pulogadung, Kota Jakarta
Branch East Jakarta
Timur.
Kantor
Cabang Jalan Raya Pajajaran No. 28C RT.001/RW.005, Kelurahan Bantarjati, Kota Bogor
Bogor*)
Branch Kecamatan Bogor Utara, Kota Bogor, Provinsi Jawa Barat. City of Bogor
Office
Kantor
Cabang Komplek Ruko Graha Cibinong G No.7, Kelurahan Cirimekar, Kabupaten Bogor
Cibinong*)
Branch Kecamatan Cibinong, Kabupaten Bogor, Provinsi Jawa Barat. Bogor Regency
Office
Kantor
Cabang Ruko CBD @ Jababeka, Jalan Niaga Raya Kav. AA3 Unit EF-3, Kabupaten Bekasi
Cikarang*)
Branch Jababeka 2, Cikarang, Kab Bekasi, Jawa Barat. Bekasi Regency
Office
Kantor
Cabang Jalan Letda Natsir RT 002, RW.011, Desa Bojongkulur, Kecamatan Kabupaten Bogor
Cileungsi*)
Branch Gunung Putri, Kabupaten Bogor, Provinsi Jawa Barat. Bogor Regency
Office
Kantor
Cabang Jalan Jend. Sudirman No.99A RT 02/07 Kelurahan Kranji, Kota Bekasi
Bekasi*)
Branch Kecamatan Bekasi Barat 17135. City of Bekasi
Office
Kantor
Cabang Jalan Raya Citayam Nomor 17 RT002 RW 002, Kelurahan Depok, Kota Depok
Depok*)
Branch Kecamatan Pancoran Mas, Kota Depok, Provinsi Jawa Barat. City of Depok
Office

.05 .06 .07
Status
Kantor
Description
Kantor
Perum Grand Taruna Ruko Dharmawangsa Blok C 18 dan C 19,
Cabang Kabupaten Karawang
Karawang*) Desa Sukamakmur, Kecamatan Telukjambe Timur, Kabupaten
Branch Karawang Regency
Karawang.
Office
Kantor
Jalan Raya Leuwiliang Kampung Cimanggu RT.01, RW.01,
Cabang Kabupaten Bogor
Leuwiliang*) Kelurahan Cimanggu 1, Kecamatan Cibungbulang, Kabupaten
Branch Bogor Regency
Bogor, Jawa Barat.
Office
KSKC Kota Administrasi
Non- Jalan Utama Raya No.3A, RT/006, RW/007, Kelurahan Wijaya Jakarta Barat
Jakarta Utara 2
Branch Kusuma, Kecamatan Grogol, Petamburan, Jakarta Barat. Central Jakarta
KSKC
Non- Ruko Grand Kalimas Blok A No.11 Jl.KH. Noer Alie Inspeksi Kabupaten Bekasi
Tambun
Branch Kalimalang, Tambun Selatan, Bekasi. Bekasi Regency
Office
KSKC
Non- Ruko Citra Indah Square, Blok RCS 01/07, Desa Cipeucang, Kabupaten Bogor
Jonggol
Branch Kecamatan Cileungsi, kabupaten Bogor, Propinsi Jawa Barat. Bogor Regency
Office
*) Kantor Cabang (KC) yang juga memiliki izin sebagai Kantor Cabang Unit Usaha Syariah (KC UUS) dan dapat melakukan kegiatan pembiayaan berdasarkan prinsip syariah.
*) Branch Office (KC) that also holds permit as a Sharia Business Unit Branch Office (KC UUS) and can carry out financing activities based on sharia principles.
BU III – JAWA BARAT
Status
Kantor
Description
Kantor
Cabang Jl. BKR No. 192, RT 004/RW 005, Kelurahan Ciatel, Kecamatan Kota Bandung
Bandung 2*)
Branch Regol, Kota Bandung, Provinsi Jawa Barat. City of Bandung
Office
Kantor
Komp CSB (Cirebon Super Blok) Ruko Berry Green Kav. No.
Cabang Kota Cirebon
Cirebon*) 5-6, Jalan Dr. Cipto Mangunkusumo, Kelurahan Pekiringan,
Branch City of Cirebon
Kecamatan Kesambi, Kota Cirebon, Jawa Barat.
Office
Kantor
Cabang Jalan Raya Kongsi Nomor 17, Kelurahan Kongsi Jaya, Kecamatan Kabupaten Indramayu
Jatibarang*)
Branch Windasari, Kabupaten Indramayu, Provinsi Jawa Barat. Indramayu Regency
Office
Kantor
Cabang Jalan Otto Iskandardinata Nomor 95, Kelurahan Nanggeleng, Kota Sukabumi
Sukabumi*)
Branch Kecamatan Citamiang, Kota Sukabumi, Provinsi Jawa Barat. City of Sukabumi
Office
Kantor
Cabang Jalan Prabu Gajah Agung No. 118, Kelurahan Situ, Kecamatan Kabupaten Sumedang
Sumedang*)
Branch Sumedang Utara, Kabupaten Sumedang, Jawa Barat. Sumedang Regency
Office
Kantor
Cabang Ruko Mayasari Plaza Jalan Lingkungan Nomor 26, Kelurahan Kota Tasikmalaya
Tasikmalaya*)
Branch Argasari, Kecamatan Cihideung, Kota Tasikmalaya, Jawa Barat. City of Tasikmalaya
Office
Kantor
Komplek Ruko Intan Bisnis center Blok I No. 15, Kelurahan
Cabang Kabupaten Garut
Garut*) Pakuwon, kecamatan Garut Kota, Kabupaten Garut, Provinsi
Branch Garut Regency
Jawa Barat.
Office
Kantor
Cabang RT. 003 RW. 004, Lingkungan Dago, Kelurahan Cijoho, Kecamatan Kabupaten Kuningan
Kuningan*)
Branch Kuningan, Kabupaten Kuningan, Provinsi Jawa Barat. Kuningan Regency
Office

.01 .02 .03 .04
Status
Kantor
Description
Kantor
Jalan Encep Kartawiria No. 004 B RT 002 RW 018, Kelurahan
Cabang Kota Cimahi
Cimahi*) Citeureup, Kecamatan Cimahi Utara, Kota Cimahi, Provinsi Jawa
Branch City of Cimahi
Barat.
Office
Kantor
Jalan Abdullah Bin Nuh Nomor 104, RT 004/ RW 014, Kelurahan
Cabang Kabupaten Cianjur
Cianjur*) Sawahgede, Kecamatan Cianjur, Kabupaten Cianjur, Provinsi
Branch Cianjur Regency
Jawa Barat.
Office
Kantor
Jalan Basuki Rahmat Nomor 48, RT 06/06, Kelurahan
Cabang Kabupaten Purwakarta
Purwakarta*) Sindangkasih, Kecamatan Purwakarta, Kabupaten Purwakarta,
Branch Purwakarta Regency
Jawa Barat.
Office
Kantor
Jalan Kyai Haji Abdul Halim RT 05/ RW 08, Kelurahan Majalengka
Cabang Kabupaten Majalengka
Majalengka*) Kulon, Kecamatan Majalengka, Kabupaten Majalengka, Provinsi
Branch Majalengka Regency
Jawa Barat.
Office
KSKC
Non- Jalan Raya Soreang, RT. 03 RW. 04, Desa Pamekaran, Kecamatan Kabupaten Bandung
Soreang
Branch Soreang, Kabupaten Bandung, Provinsi Jawa Barat. Bandung Regency
Office
KSKC
Non- Jalan Jurang No.7, Kelurahan Pasteur, Kecamatan Sukajadi, Kota Kota Bandung
Setiabudi
Branch Bandung, Provinsi Jawa Barat. City of Bandung
Office
KSKC
Kabupaten Bandung
Non- Kampung Radio Nomor 35 RT 002, RW 001, Desa Cililin,
Cililin Barat
Branch Kabupaten Bandung Barat, Provinsi Jawa Barat.
West Bandung Regency
Office
BU V – JAWA TENGAH
Status
Kantor
Description
Kantor
Cabang Jalan R. Agil Kusumadya Nomor 26-28, Kelurahan Jatikulon, Kabupaten Kudus
Kudus*)
Branch Kecamatan Jati, Kabupaten Kudus, Jawa Tengah. Kudus Regency
Office
Kantor
Cabang Komplek Ruko The Luxor, Jalan A Yani No. 1, Kelurahan Bener, Kabupaten Pekalongan
Pekalongan*)
Branch Kecamatan Wiradesa, Kota Pekalongan, Jawa Tengah. Pekalongan Regency
Office
Kantor
Cabang Jalan Raya Klampok RT 004/007 Desa Klampok, Kecamatan Kabupaten Brebes
Brebes*)
Branch Wanasari, Kabupaten Brebes, Jawa Tengah. Brebes Regency
Office
Kantor
Komp. Ruko Metro Plaza, Blok C12, 15, 16, Jalan Mataram No.
Cabang Kota Semarang
Semarang*) 970, Kelurahan Lamper Kidul, Kecamatan Semarang Selatan, Kota
Branch City of Semarang
Semarang, Jawa Tengah.
Office
Kantor
Cabang Jalan Moch. Yamin No. 41, RT.02 RW.01, Kelurahan Ungaran, Kabupaten Semarang
Semarang 2
Branch Kecamatan Ungaran Barat, Kabupaten Semarang, Jawa Tengah. Semarang Regency
Office

.05 .06 .07
Status
Kantor
Description
Kantor
Cabang Jalan Raya Utama Timur Weleri Ruko Blok A/1, Kelurahan Weleri, Kabupaten Kendal
Kendal
Branch Kecamatan Weleri, Kabupaten Kendal, Jawa Tengah. Kendal Regency
Office
Kantor
Cabang Jalan Raya Karanganyar RT 03 / 01, Desa Bandasari, Kecamatan Kabupaten Tegal
Tegal*)
Branch Dukuh Turi, Kota Tegal, Jawa Tengah. Tegal Regency
Office
Kantor
Cabang Jalan Veteran No 104, Kelurahan Pelutan, Kecamatan Pemalang, Kabupaten Pemalang
Pemalang*)
Branch Kabupaten Pemalang, Jawa Tengah. Pemalang Regency
Office
Kantor
Cabang Jalan R Suprapto RT.01 RW.09, Kelurahan Purwodadi, Kecamatan Kabupaten Grobogan
Purwodadi*)
Branch Purwodadi, Kabupaten Grobogan, Provinsi Jawa Tengah. Grobogan Regency
Office
Kantor
Ruko Salatiga Regency Blok F & G, Jalan Fatmawati Nomor 188,
Cabang Kota Salatiga
Salatiga*) Kelurahan Blotongan, Kecamatan Sidorejo, Kota Salatiga, Jawa
Branch City of Salatiga
Tengah.
Office
Kantor
Cabang Jalan Jenderal Sudirman Timur, RT. 002 RW. 004, Kelurahan Kabupaten Banyumas
Purwokerto*)
Branch Berkoh, Kecamatan Purwokerto Selatan, Kabupaten Banyumas. Banyumas Regency
Office
Kantor
Jalan Pujowiyoto Nomor 19C, RT.003 RW. 006, Kelurahan
Cabang Kabupaten Purbalingga
Purbalingga*) Purbalingga Wetan, Kecamatan Purbalingga, Kabupaten
Branch Purbalingga Regency
Purbalingga, Provinsi Jawa Tengah.
Office
Kantor
Cabang Jalan Gatot Subroto 214, Kelurahan Kratonan, Kecamatan Kota Surakarta
Solo*)
Branch Serengan, Kota Surakarta, Provinsi Jawa Tengah. City of Surakarta
Office
Kantor
Cabang Jalan Hayam Wuruk No. 21A, Kelurahan Tegalpanggung, Kota Yogyakarta
Yogyakarta*)
Branch Kecamatan Danurejan, Kota Yogyakarta, DI Yogyakarta. City of Yogyakarta
Office
Kantor
Ruko Perintis KAV.5-6 Jalan Perintis Kemerdekaan RT.01 RW.04
Cabang Kabupaten Cilacap
Cilacap*) Kelurahan Kebonmanis, Kecamatan Cilacap Utara, Kabupaten
Branch Cilacap Regency
Cilacap, Jawa Tengah.
Office
Kantor
Jalan Mayor Kusmanto Plosorejo RT. 03 RW. 05, Kelurahan
Cabang Kabupaten Klaten
Klaten*) Sekarsuli, Kecamatan Klaten Utara, Kabupaten Klaten, Provinsi
Branch Klaten Regency
Jawa Tengah.
Office
Kantor
Cabang Jalan Veteran RT.01 RW.02, Kelurahan Kauman, Kecamatan Jepara, Kabupaten Jepara
Jepara*)
Branch Kabupaten Jepara, Jawa Tengah. Jepara Regency
Office
Kantor
Ruko Abragen Jalan Mayjend Bambang Sugeng A17, Kelurahan
Cabang Kabupaten Wonosobo
Wonosobo*) Pagerkukuh, Kecamatan Wonosobo, Kabupaten Wonosobo, Jawa
Branch Wonosobo Regency
Tengah.
Office
Kantor
Cabang Jalan Pemuda No. 87 RT 001 RW 003, Kelurahan Panjer, Kebumen, Kabupaten Kebumen
Kebumen*)
Branch Kabupaten Kebumen, Jawa Tengah. Kebumen Regency
Office

.01 .02 .03 .04
Status
Kantor
Description
Kantor
Jalan Mayjen Bambang Soegeng Ruko Metro Square Blok F7-F8
Cabang Kabupaten Magelang
Magelang*) Kelurahan Mertoyudan, Kecamatan Mertoyudan, Kabupaten
Branch Magelang Regency
Magelang, Jawa Tengah.
Office
Kantor
Cabang Jalan Diponegoro Nomor 47A Jatirejo, Kelurahan Wonoboyo, Kabupaten Wonogiri
Wonogiri*)
Branch Kecamatan Wonogiri, Kabupaten Wonogiri. Wonogiri Regency
Office
KSKC
Jalan Jendral Sudirman No.119C Kowangan, Kecamatan Kabupaten Temanggung
Temanggung Non-Branch
Temanggung, Kabupaten Temanggung, Provinsi Jawa Tengah. Temanggung Regency
Office
KSKC Ruko Blok A.07 Komplek Pasar Wonokriyo, RT 03/RW 05, Jalan Yos
Kabupaten Kebumen
Gombong Non-Branch Sudarso Kelurahan Wonokriyo, Kecamatan Gombong, Kabupaten
Kebumen Regency
Office Kebumen, Provinsi Jawa Tengah.
KSKC Jalan Tentara Pelajar RT.003 RW.008, Kelurahan

Kabupaten Purworejo
Purworejo Non-Branch Pangenjurutengah, Kecamatan Purworejo, Kabupaten Purworejo,
Purworejo Regency
Office Jawa Tengah.
KSKC Jalan Letnan Jenderal Soeprapto No. 25A RT 003 RW 007,

Kabupaten Banjarnegara
Banjarnegara Non-Branch Kelurahan Kutabanjarnegara, Kecamatan Banjarnegara,
Banjarnegara Regency
Office Kabupaten Banjarnegara.
KSKC
Jalan Raya Sukowati No. 28-C kelurahan Sine, Kecamatan Sragen, Kabupaten Sragen
Sragen Non-Branch
Kabupaten Sragen, Provinsi Jawa Tengah. Sragen Regency
Office
KSKC
Ruko Graha Mandiri No 04, Jl. Perintis Kemerdekaan, Boyolali, Kabupaten Boyolali
Boyolali Non-Branch
Jawa Tengah. Boyolali Regency
Office
KSKC
Jalan Diponegoro No. 118 Desa Dukuhturi, Kecamatan Bumiayu, Kabupaten Brebes
Bumiayu Non-Branch
Kabupaten Brebes, Jawa Tengah. Brebes Regency
Office
KSKC Jalan Mandurorejo Dk. Tanjunganom, RT 001 RW 003, Desa
Kabupaten Pekalongan
Kajen Non-Branch Tanjung Kulon, Kecamatan Kajen, Kabupaten Pekalongan, Provinsi
Pekalongan Regency
Office Jawa Tengah.
KSKC Jalan Jend. Sudirman Timur, Komplek Ruko No. 9 Desa
Kabupaten Pemalang
Randudongkal Non-Branch Randudongkal, Kecamatan Randudongkal, Kabupaten Pemalang,
Pemalang Regency
Office Jawa Tengah.
KSKC Kabupaten Gunung
Jalan Baron No.184, Tegalsari, Siraman, Kecamatan Wonosari,
Wonosari Non-Branch Kidul
Kabupaten Gunung Kidul, Provinsi Daerah Istimewa Yogyakarta.
Office Gunung Kidul Regency
KSKC Pertokoan Royal Square Kavling 01, Jalan Prof Dr Supomo, Karang,
Kabupaten Bantul
Bantul Non-Branch Desa Ringinharjo, Kecamatan Bantul, Kabupaten Bantul, Daerah
Bantul Regency
Office Istimewa Yogyakarta.
KSKC
Jalan Parasamya Ruko No.2 Beran Lor, Desa Tridadi, Kecamatan Kabupaten Sleman
Sleman Non-Branch
Sleman, Kabupaten Sleman, Daerah Istimewa Yogyakarta. Sleman Regency
Office
KSKC
Jalan Diponegoro No.51, RT. 001/RW. 002, Desa Sindangsari, Kabupaten Cilacap
Majenang Non-Branch
Kecamatan Majenang, Kabupaten Cilacap, Provinsi Jawa Tengah. Cilacap Regency
Office
KSKC
Jalan A. Yani, Desa Tinggarjaya, Kecamatan Sidareja, Kabupaten Kabupaten Cilacap
Sidareja Non-Branch
Cilacap, Jawa Tengah Cilacap Regency
Office

.05 .06 .07
BU VI - JAWA TIMUR, BALI DAN NUSA TENGGARA
Status
Kantor
Description
Kantor
Jalan Basuki Rachmat No.55 RT 001 RW 002, Lingkungan
Cabang Kabupaten Banyuwangi
Banyuwangi*) Singowingnyo, Kelurahan Singotrunan, Kecamatan Banyuwangi,
Branch Banyuwangi Regency
Kabupaten Banyuwangi, Provinsi Jawa Timur.
Office
Kantor
Jalan Jember No. 48, Dusun Krajan II, RT. 002 RW. 004, Desa Setail,
Cabang Kabupaten Banyuwangi
Genteng*) Kecamatan Genteng, Kabupaten Banyuwangi, Provinsi Jawa
Branch Banyuwangi Regency
Timur.
Office
Kantor
Cabang Jalan Ahmad Yani No.39 RT 003/RW 008, Kelurahan Sananwetan, Kota Blitar
Blitar*)
Branch Kecamatan Sananwetan, Kota Blitar, Jawa Timur. City of Blitar
Office
Kantor
Ruko Central District Business Jalan Veteran 6, RT.33 RW.88,
Cabang Kabupaten Bojonegoro
Bojonegoro*) Kelurahan Sukorejo, Kecamatan Bojonegoro, Kabupaten
Branch Bojonegoro Regency
Bojonegoro, Provinsi Jawa Timur.
Office
Kantor
Cabang Ruko Green Garden Regency A1 40-41, Desa Dahanrejo, Kabupaten Gresik
Gresik*)
Branch Kecamatan Kebomas, Kabupaten Gresik, Provinsi Jawa Timur. Gresik Regency
Office
Kantor
Jalan Soekarno-Hatta Nomor 3, Komplek Ruko Cempaka Mas
Cabang Kabupaten Jombang
Jombang*) Blok C Nomor 6 dan 7, Kelurahan Kepuhkembeng, Kecamatan
Branch Jombang Regency
Peterongan, Kabupaten Jombang, Jawa Timur.
Office
Kantor
Cabang Jalan Pati Unus No.9 RT/RW 001/001, Kelurahan Kemasan, Kota Kediri
Kediri*)
Branch Kecamatan Kota, Kota Kediri, Provinsi Jawa Timur. City of Kediri
Office
Kantor
Cabang Jalan Dr. Setia Budi No. 51-53, Kelurahan Mojorejo, Kecamatan Kota Madiun
Madiun*)
Branch Taman, Kota Madiun, Provinsi Jawa Timur. City of Madiun
Office
Kantor
Cabang Jalan Manggis RT 011 RW 001, Kelurahan Kepolorejo, Kecamatan Kabupaten Magetan
Magetan
Branch Magetan, Kabupaten Magetan, Jawa Timur. Magetan Regency
Office
Kantor
Cabang Jalan PB Sudirman No.54, Kelurahan Jururejo, Kecamatan Ngawi, Kabupaten Ngawi
Ngawi
Branch Kabupaten Ngawi, Provinsi Jawa Timur. Ngawi Regency
Office
Kantor
Jalan Sunandar Priyo Sudarmo 8 C - D, RT.09 RW 13, Kelurahan
Cabang Kota Malang
Malang*) Purwantoro, Kecamatan Blimbing, Kota Malang, Provinsi Jawa
Branch City of Malang
Timur.
Office
Kantor
Cabang Jalan Mojopahit Nomor 450, Mojokerto, Kelurahan Kranggan, Kota Mojokerto
Mojokerto*)
Branch Kecamatan Prajuritkulon, Kota Mojokerto, Provinsi Jawa Timur. City of Mojokerto
Office
Kantor
Jalan Raya Jenggolo Nomor 9, Ruko Central Jenggolo Blok A-6 RT.
Cabang Kabupaten Sidoarjo
Sidoarjo*) 02/RW. 01, Kelurahan Pucang, Kecamatan Sidoarjo, Kabupaten
Branch Sidoarjo Regency
Sidoarjo, Provinsi Jawa Timur.
Office

.01 .02 .03 .04
Status
Kantor
Description
Kantor
Cabang Jalan Raya Kupang Jaya No. 140 RT. 014 RW. 04, Kelurahan Kota Surabaya
Surabaya Timur*)
Branch Simomulyo Baru, Kecamatan Sukomanunggal, Kota Surabaya. City of Surabaya
Office
Kantor
Ruko Panglima Sudirman Trade Center Blok C4, Kelurahan Kabupaten
Cabang
Tulung Agung*) Kenayan, Kecamatan Tulungagung, Kabupaten Tulungagung, Tulungagung
Branch
Jawa Timur. Tulungagung Regency
Office
Kantor
Cabang Jalan Gatot Subroto No. 89, RT 01/RW05, Kelurahan Kauman, Kabupaten Nganjuk
Nganjuk*)
Branch Kecamatan Nganjuk, Kabupaten Nganjuk, Jawa Timur. Nganjuk Regency
Office
Kantor
Cabang Jalan DR. Wahidin Sudiro Husodo No. 05 RT.004/001 Kelurahan Kota Pasuruan
Pasuruan*)
Branch Pekuncen, Kecamatan Panggungrejo, Kota Pasuruan, Jawa Timur. City of Pasuruan
Office
Kantor
Cabang Jalan Basuki Rahmad No. 240, RT.002 RW.06, Kelurahan Kabupaten Tuban
Tuban*)
Branch Ronggomulyo, Kecamatan Tuban, Kabupaten Tuban, Jawa Timur. Tuban Regency
Office
Kantor
Cabang Jalan Gatot Subroto Timur No. 56 B, Kelurahan Penatih Dangin Kota Denpasar
Denpasar*)
Branch Timur, Kecamatan Denpasar Timur, Kota Denpasar, Bali. City of Denpasar
Office
Kantor
Cabang Jalan Dharma Giri No. 82, Kelurahan Bitera, Kecamatan Gianyar, Kabupaten Gianyar
Gianyar
Branch Kabupaten Gianyar, Bali. Gianyar Regency
Office
Kantor
Cabang Jalan By Pass (Ir.Soekarno) No. 88A, Kelurahan Banjar Anyar, Kabupaten Tabanan
Tabanan
Branch Kecamatan Kediri, Kabupaten Tabanan, Bali. Tabanan Regency
Office
Kantor
Jalan Sriwijaya Nomor 39 dan 40, Lingkungan Karang Tapen,
Cabang Kota Mataram
Mataram*) Kelurahan Cilinaya, Kecamatan Cakranegara, Kota Mataram,
Branch City of Mataram
Provinsi Nusa Tenggara Barat.
Office
KSKC
Ruko Mandiri Residence Blok A1-15, Desa Jeruk Gamping, Kabupaten Sidoarjo
Krian Non-Branch
Kecamatan Krian, Kabupaten Sidoarjo, Jawa Timur. Sidoarjo Regency
Office
KSKC
Komplek Ruko Gateway Blok F17-18, Jalan Raya Sawotratap, Desa Kabupaten Sidoarjo
Waru Non-Branch
Sawotratap, Kecamatan Gedangan, Kabupaten Sidoarjo. Sidoarjo Regency
Office
KSKC Jalan MT. Haryono Grand Shappire Blok A 1 RT 06 RW 01,

Kabupaten Ponorogo
Ponorogo Non-Branch Kelurahan Mangkujayan, Kecamatan Ponorogo, Kabupaten
Ponorogo Regency
Office Ponorogo.
KSKC Ruko Permata No.24 Sidokumpul, Jl. Panglima Sudirman, Kel.

Kabupaten Lamongan
Lamongan Non-Branch Sidokumpul, Kecamatan Lamongan, Kabupaten Lamongan,
Lamongan Regency
Office Jawa Timur.
KSKC
Link. Brubuh RT.003 RW.002 Kelurahan Kalipang, Kecamatan Kabupaten Blitar
Sutojayan Non-Branch
Sutojayan, Kabupaten Blitar. Blitar Regency
Office
KSKC
Jalan Raya Rogojampi - Srono Dusun Banje RT. 03 RW. 01 Desa Kabupaten Banyuwangi
Rogojampi Non-Branch
Bubuk, Kecamatan Rogojampi, Kabupaten Banyuwangi. Banyuwangi Regency
Office

.05 .06 .07
Status
Kantor
Description
KSKC
Jalan Panglima Sudirman RT 005 RW 002, Desa Ngadilangkung, Kabupaten Malang
Kepanjen Non-Branch
Kecamatan Kepanjen, Kabupaten Malang, Jawa Timur. Malang Regency
Office
KSKC
Jalan Gajah Mada No. 5 Blok-14, RT.06/RW.03, Ruko Royal, Desa Kabupaten Mojokerto
Mojosari Non-Branch
Seduri, Kecamatan Mojosari, Kabupaten Mojokerto, Jawa Timur. Mojokerto Regency
Office
KSKC
Rungkut Kidul Industri 1D RT.001 RW.006, Kelurahan Rungkut Kota Surabaya
Rungkut Non-Branch
Kidul, Kecamatan Rungkut, Kota Surabaya. City of Surabaya
Office
KSKC
Jalan Gatot Subroto No. 89, RT 01/RW05, Kelurahan Kauman, Kabupaten Nganjuk
Kertosono Non-Branch
Kecamatan Nganjuk, Kabupaten Nganjuk, Jawa Timur. Nganjuk Regency
Office
KSKC
Jalan Jombang - Babat RT. 001 RW. 006, Desa Banaran, Kecamatan Kabupaten Lamongan
Babat Non-Branch
Babat, Kabupaten Lamongan, Provinsi Jawa Timur. Lamongan Regency
Office
KSKC Kabupaten Lombok

Narmada Non-Branch Desa Lembuak, Kecamatan Narmada, Kabupaten Lombok Barat. Barat
Office West Lombok Regency
BU VII – SUMATERA BAGIAN UTARA
Status
Kantor
Description
Kantor
Jalan Laksamana Bintan Komp.Bintang Mas Blok D Nomor 2 dan
Cabang Kota Batam
Batam*) 3 Sungai Panas Batam Center, Kelurahan Bukit Jodoh, Kecamatan
Branch City of Batam
Batu Ampar, Kota Batam, Provinsi Kepulauan Riau.
Office
Kantor
Cabang Jalan Sultan Hasanuddin Nomor 16 A LK.I, Kelurahan Setia, Kota Binjai
Binjai*)
Branch Kecamatan Binjai Kota, Kota Binjai, Provinsi Sumatera Utara. City of Binjai
Office
Kantor
Cabang Jalan Proklamasi Lingkungan IV, Kelurahan Kwala Bingai, Kabupaten Langkat
Stabat*)
Branch Kecamatan Stabat, Kabupaten Langkat, Provinsi Sumatera Utara. Langkat Regency
Office
Kantor Kabupaten Deli
Jalan Ahmad Yani No. 88 NN dan 88 OO, Kelurahan Paluh Kemiri,
Cabang Serdang
Lubuk Pakam*) Kecamatan Lubuk Pakam, Kabupaten Deli Serdang, Sumatera
Branch Deli Sedang Regency
Utara.
Office
Kantor
Jalan Jendral Sudirman No.A5 (Komplek Grand Sudirman),
Cabang Kota Tebing Tinggi
Tebing Tinggi*) Kelurahan Sri Padang, Kecamatan Rambutan, Kota Tebing Tinggi,
Branch City of Tebing Tinggi
Provinsi Sumatera Utara.
Office
Kantor
Cabang Jalan Ringroad, Kelurahan Asam Kumbang, Kecamatan Medan Kota Medan
Medan 2
Branch Selayang, Kota Medan. City of Medan
Office

.01 .02 .03 .04
Status
Kantor
Description
Kantor
Cabang Jalan Thamrin No. 2 AB Lingkungan II, Kelurahan Perintis, Kota Medan
Medan*)
Branch Kecamatan Medan Timur, Kota Medan, Provinsi Sumatera Utara. City of Medan
Office
Kantor
Cabang Jalan Veteran, Kelurahan Kampung Dalam, Kecamatan Kabanjahe, Kabupaten Karo
Karo
Branch Kabupaten Karo, Provinsi Samutera Utara. Karo Regency
Office
Kantor
Jalan Dr. Sutomo Nomor 48A dan 48B, Kelurahan Kubu
Cabang Kota Padang
Padang*) Marapalam, Kecamatan Padang Timur, Kota Padang, Provinsi
Branch City of Padang
Sumatera Barat.
Office
Kantor
Jalan Arifin Ahmad RT.001/RW.004 No 16-17 Kelurahan Kota Pekan Baru
Cabang
Pekanbaru*) Sidomulyo Timur, Kecamatan Marpoyan Damai, Kota Pekanbaru, City of Pekan Baru
Branch
Provinsi Riau.
Office
Kantor
Jalan D.I Panjaitan, Kilometer 9, Kelurahan Air Raja, Kecamatan Kota Tanjung Pinang
Cabang
Tanjung Pinang*) Tanjungpinang Timur, Kota Tanjungpinang, Provinsi Kepulauan City of Tanjung Pinang
Branch
Riau.
Office
Kantor
Kota Pekan baru
Cabang Jalan Bukit Barisan RT 01 RW 07, Kelurahan Pematangkapau,
Pekanbaru 2 City of Pekan baru
Branch Kecamatan Kulim, Kota Pekanbaru.
Office
Kantor
Cabang Jalan Sultan Hasanuddin (JalanOmbak) RT.23, Kelurahan Rimba Kota Dumai
Dumai*)
Branch Sekampung, Kecamatan Dumai Barat, Kota Dumai, Riau. City of Dumai
Office
Kantor
Cabang Jalan Jend. Sudirman No. 004 RT.06 RW.01, Kelurahan Bagan Batu Kabupaten Rokan Hilir
Bagan Batu
Branch Kota, Kecamatan Bagan Sinembah, Kabupaten Rokan Hilir. Rokan Hilir Regency
Office
Kantor
Cabang Jalan Hangtuah, Kelurahan Babussalam, Kecamatan Mandau, Kabupaten Bengkalis
Duri*)
Branch Kabupaten Bengkalis, Provinsi Riau. Bengkalis Regency
Office
Kantor
Jalan Lintas Timur RT 001 RW 010, Kelurahan Pangkalan Kerinci
Cabang Kabupaten Pelalawan
Kerinci*) Kota, Kecamatan Pangkalan Kerinci, Kabupaten Pelalawan,
Branch Pelalawan Regency
Provinsi Riau.
Office
Kantor Kabupaten Indragiri
Jalan Jend. Sudirman RT. 001 RW.001 Lingkungan II Kelurahan
Cabang Hulu
Air Molek*) Kembang Harum Kecamatan Pasir Penyu Kabupaten Indragiri
Branch Indragiri Hulu
Hulu.
Office Regency
Kantor Kabupaten Labuhan
Jalan Sisimangaraja No.142 A-B, Lingkungan Aek Tapa A,
Cabang Batu
Rantau Prapat*) Kelurahan Bakaran Batu, Kecamatan Rantau Selatan, Kabupaten
Branch Labuhan Batu
Labuhanbatu, Provinsi Sumatera Utara.
Office Regency
KSKC
Komplek Ruko Taman Pesona Indah Blok B No.08, Kelurahan
Non- Kota Batam
Batu Aji Tanjung Uncang, Kecamatan Batu Aji, Kota Batam, Provinsi
Branch City of Batam
Kepulauan Riau.
Office
KSKC
Non- Jalan Besitang, Kelurahan Alur Dua, Kecamatan Sei Lepan, Kabupaten Langkat
Pangkalan Brandan
Branch Kabupaten Langkat, Sumatera Utara. Langkat Regency
Office
KSKC Kabupaten Rokan
Non- Gedung PT Graha OTO, Jalan Lintas Ujung Tanjung, Simpang Hilir
Ujung Tanjung
Branch Benar. Rokan Hilir
Office Regency

.05 .06 .07
BU VIII - SUMATERA BAGIAN SELATAN
Status
Kantor
Description
Kantor
Jalan Hibrida Raya Kav.17-18 No.43, RT.07 RW.02, Kelurahan
Cabang Kota Bengkulu
Bengkulu*) Sidomulyo, Kecamatan Gading Cempaka, Kota Bengkulu, Provinsi
Branch City of Bengkulu
Bengkulu.
Office
Kantor
Jalan Merdeka RT. 011 RW. 004 Kelurahan Pangkalan Balai,
Cabang Kabupaten Banyuasin
Betung*) Kecamatan Banyuasin III, Kabupaten Banyuasin, Provinsi
Branch Banyuasin Regency
Sumatera Selatan.
Office
Kantor
Jalan Yos Sudarso No. 100 RT 6 Kelurahan Batu Urip Taba,
Cabang Kota Lubuk Linggau
Lubuk Linggau*) Kecamatan Lubuklinggau Timur I, Kotamadya Lubuklinggau,
Branch City of Lubuk Linggau
Sumatera Selatan.
Office
Kantor
Kota Bandar Lampung
Cabang Jalan Husni Thamrin No 84, Kelurahan Gotong Royong,
Lampung*) City of Bandar Lampung
Branch Kecamatan Tanjung Karang Pusat, Bandar Lampung.
Office
Kantor
Jalan Jendral A. Yani Nomor 84, RT 005 RW 003, Kelurahan
Cabang Kota Metro
Metro*) Iringmulyo, Kecamatan Metro Timur, Kota Metro, Provinsi
Branch City of Metro
Lampung.
Office
Kantor
Cabang Jalan Padat Karya RT.05/01 Kelurahan Gunung Ibul, Kecamatan Kota Prabumulih
Prabumulih*)
Branch Prabumulih Timur, Kota Prabumulih, Sumatera Selatan. City of Prabumulih
Office
Kantor
Cabang Jalan Lintas Sumatera, Desa Manggul, Kecamatan Lahat, Kabupaten Lahat
Lahat*)
Branch Kabupaten Lahat, Provinsi Sumatera Selatan. Lahat Regency
Office
Kantor Kabupaten Ogan
Jalan Dr. Moh. Hatta Lintas Sumatera, Kelurahan Air Paoh
Cabang Komering Ulu
Baturaja*) Sukaraya, Kecamatan Baturaja Timur, Kabupaten Ogan Komering
Branch Ogan Komering Ulu
Ulu, Provinsi Sumatera Selatan.
Office Regency
Jalan Pahlawan LK.VIII RT.08 Nomor 131, Kelurahan Jua-Jua,
Cabang Komering Ilir
Kayu Agung*) Kecamatan Kayu Agung, Kabupaten Ogan Komering Ilir,
Branch Ogan Komering Ilir
Sumatera Selatan.
Office Regency
Jalan Lintas Timur 135, Dusun/RT, II/01, Desa Tugu Agung,
Cabang Komering Ilir
Tugu Mulyo*) Kecamatan Lempuing, Kabupaten Ogan Komering Ilir, Provinsi
Branch Ogan Komering Ilir
Sumatera Selatan.
Office Regency
Kantor
Cabang Jalan Jenderal Sudirman No. 11-13, Kelurahan Tambak Sari, Kota Jambi
Jambi*)
Branch Kecamatan Jambi Selatan, Kota Jambi, Provinsi Jambi. City of Jambi
Office
Kantor Kabupaten Batang
Cabang Jalan Jambi-Muara Tembesi RT 12 RW 02, Kelurahan Kampung Hari
Tembesi*)
Branch Baru, Kecamatan Muara Tembesi, Kabupaten Batang Hari, Jambi. Batang Hari
Office Regency
Kantor
Jalan Angkatan 45, RT 015/RW 04, Kelurahan Demang Lebar
Cabang Kota Palembang
Palembang*) Daun, Kecamatan Ilir Barat I, Kota Palembang, Provinsi Sumatera
Branch City of Palembang
Selatan.
Office
Kantor
Jalan Jend Sudirman RT.001 RW.001, Kelurahan Gabek Dua,
Cabang Kota Pangkalpinang
Pangkal Pinang Kecamatan Gabek, Kota Pangkalpinang, Provinsi Bangka
Branch City of Pangkalpinang
Belitung.
Office
KSKC Kabupaten Bengkulu

Jalan Jendral Sudirman Nomor 239A, RT 04, Kelurahan Gunung
Arga Makmur Non-Branch Utara
Alam, Kecamatan Kota Argamakmur, Kabupaten Bengkulu Utara.
Office North Bengkulu Regency

.01 .02 .03 .04
Status
Kantor
Description
Kabupaten Tanjung
KSKC
Jalan Prof. Dr. Srisudewi Kelurahan Tungkal Harapan, Kecamatan Jabung Barat
Kuala Tungkal Non-Branch
Tungkal Ilir, Kabupaten Tanjung Jabung Barat, Jambi. West Tanjung Jabung
Office
Regency
Kabupaten Muara
KSKC
Jalan Cut Nyak Dien, RT 01 RW 02, Kelurahan Tungkal, Kecamatan Enim
Muara Enim Non-Branch
Muara Enim, Kabupaten Muara Enim, Sumatera Selatan. Muara Enim
Office
Regency
KSKC Jalan Palembang-Jambi RT 017/004, Kelurahan Sungai Lilin, Kabupaten Musi

Sei Lilin Non-Branch Kecamatan Sungai Lilin, Kabupaten Musi Banyuasin, Sumatera Banyuasin
Office Selatan. Musi Banyuasin Regency
BU IX - KALIMANTAN SULAWESI
Status
Kantor
Description
Kantor
Cabang Kota Banjarbaru
Banjarbaru Jalan Jendral Ahmad Yani, Kelurahan Loktabat Utara, Kecamatan
Branch City of Banjarbaru
Banjarbaru Utara, Kota Banjarbaru, Provinsi Kalimantan Selatan.
Office
Kantor
Cabang Jalan Gatot Subroto No 17 J, Kelurahan Kuripan, Kecamatan Kota Banjarmasin
Banjarmasin*)
Branch Banjarmasin Timur, Kota Banjarmasin. City of Banjarmasin
Office
Kantor
Cabang Jalan KH. Siradj Salman RT 52, Kelurahan Air Putih, Kecamatan Kota Samarinda
Samarinda*)
Branch Samarinda Ulu, Kota Samarinda, Provinsi Kalimantan Timur. City of Samarinda
Office
Kantor
Cabang Jalan MT. Haryono RT.11, Kelurahan Damai Baru, Kecamatan Kota Balikpapan
Balikpapan
Branch Balikpapan Selatan, Kota Balikpapan. City of Balikpapan
Office
Kantor
Cabang Jalan H. Isa 2 RT.16, Kelurahan Tanjung Redeb, Kecamatan Kabupaten Berau
Berau
Branch Tanjung Redeb, Kabupaten Berau, Kalimantan Timur. Berau Regency
Office
Kantor
Cabang Jalan R Soeprapto No.18 RT.16, Kelurahan Bontang Baru, Kota Bontang
Bontang
Branch Kecamatan Bontang Utara, Kota Bontang. City of Bontang
Office
Kantor Kabupaten Kutai
Jalan Kh. Akhmad Muksin, Rukun Tetangga 01, Kelurahan
Cabang Kartanegara
Tenggarong*) Timbau, Kecamatan Tenggarong, Kabupaten Kutai Kartanegara,
Branch Kutai Kartanegara
Provinsi Kalimantan Timur.
Office Regency
Kantor
Cabang Jalan Jendral Sudirman No. 184 D, Kel. Binturu, Kec. Wara Kota Palopo
Palopo*)
Branch Selatan, Kota Palopo, Sulawesi Selatan. City of Palopo
Office
Kantor
Cabang Jalan Prof.DR.HB. Jassin Eks Agus Salim, Kelurahan Libuo, Kota Gorontalo
Gorontalo*)
Branch Kecamatan Dungingi, Kota Gorontalo, Provinsi Gorontalo. City of Gorontalo
Office

.05 .06 .07
Status
Kantor
Description
Kantor
Cabang Jalan A.P Pettarani No. 18 F, Kelurahan Tamamaung, Kecamatan Kota Makassar
Makassar*)
Branch Panakkukang, Kota Makassar, Provinsi Sulawesi Selatan. City of Makassar
Office
Kantor Kabupaten
Jalan Andi Mappe - Bonto Gelang, Kelurahan Samalewa,
Cabang Pangkajene Kepulauan
Pangkep Kecamatan Bungoro, Kabupaten Pangkep, Provinsi Sulawesi
Branch Pangkajene Kepulauan
Selatan.
Office Regency
Kantor
Cabang Ruko Jalan Matahari No.6, Kelurahan Caile, Kecamatan Ujung Kabupaten Bulukumba
Bulukumba
Branch Bulu, Kabupaten Bulukumba, Provinsi Sulawesi Selatan. Bulukumba Regency
Office
Kantor
Cabang Jalan Emmy Saelan No. 53F, Kelurahan Tatura Utara, Kecamatan Kota Palu
Palu*)
Branch Palu Selatan, Kota Palu, Sulawesi Tengah. City of Palu
Office
Kantor
Kota Pare-Pare
Cabang Jalan Bau Massepe, Kelurahan Labukkang, Kecamatan Ujung,
Pare-Pare*) City of Pare-Pare
Branch Kota Pare-Pare, Sulawesi Selatan.
Office
KSKC
Non- Jalan Tumanurung No. 1 B Kel. Pandang-Pandang, Kecamatan Kabupaten Gowa
Gowa
Branch Somba Opu, Kabupaten Gowa. Regency Gowa
Office
KSKC
Non- Jalan Jend Sudirman (Poros Makassar maros) No.63 Kelurahan Kabupaten Maros
Maros
Branch Pettuadae, Kecamatan Turikale, Kabupaten Maros. Regency Maros
Office
KSKC
Non- Jalan Jenderal Sudirman Kelurahan Sawwito, Kecamatan Watang Kabupaten Pinrang
Pinrang
Branch Sawwito, Kabupaten Pinrang. Regency Pinrang
Office
BU XIII - BANTEN
Status
Kantor
Description
Kantor
Kota Tangerang
Cabang Gedung Wahana Artha Lt 3, Jalan Ir. Hj. Juanda No.43 RT. 01,
Ciputat*) Selatan
Branch RW. 03, Desa Cempaka Putih, Kecamatan Ciputat, Kab.Tangerang.
City of South Tangerang
Office
Kantor
Jalan Padjajaran Ruko Pamulang Plaza Blok B No 3, RT 02/01, Kota Tangerang
Cabang
Tangerang Selatan 2 Kelurahan Pamulang Barat, Kecamatan Pamulang, Kota Selatan
Branch
Tangerang Selatan, Provinsi Banten. City of South Tangerang
Office
Kantor
Cabang Jalan South Avenue, Ruko Grand Arcade Blok VC02 NO.98 & 100, Kabupaten Tangerang
Cikupa*)
Branch Kelurahan MEKAR BAKTI, Kecamatan Panongan, Kabupaten Tangerang Regency
Office Tangerang.
Kantor
Cabang Jalan Kimas Laeng, Kelurahan Matagara Kecamatan Tigaraksa, Kabupaten Tangerang
Tangerang 4
Branch Kabupaten Tangerang. Tangerang Regency
Office

.01 .02 .03 .04
Status
Kantor
Description
Kantor
CBD Boulevard Ciledug, Jalan HOS Cokroaminoto Blok A2 No. 33,
Cabang Kota Tangerang
Ciledug*) 35 dan 10, Kelurahan Karang Tengah, Kecamatan Karang Tengah,
Branch City of Tangerang
Kotamadya Tangerang, Provinsi Banten.
Office
Kantor
Cabang Jalan Raya Moch.Toha Blok B No.15 A-B Kel.Pabuaran Tumpeng, Kota Tangerang
Mauk*)
Branch Kec.Karawaci, Kota Tangerang, Banten. City of Tangerang
Office
Kantor
Cabang Komplek Mekarsari Residence A/7, Desa Mekarsari, Kecamatan Kabupaten Tangerang
Tangerang 3
Branch Rajeg, Kabupaten Tangerang. Tangerang Regency
Office
Kantor
Jalan Raya Cilegon KM.3, Lingkungan Legok Assalam RT 002/RW
Cabang Kota Serang
Serang*) O11, Blok B-C No.10, Kelurahan Drangong, Kecamatan Taktakan,
Branch City of Serang
Kabupaten Serang, Banten.
Office
Kantor
Cabang Kampung Saga, RT/RW 006/004, Desa Tobat, Kecamatan Balaraja, Kabupaten Tangerang
Balaraja*)
Branch Kabupaten Tangerang, Provinsi Banten. Tangerang Regency
Office
Kantor
Ruko Paramount Dot Com Blok Orange No. 11, 12 dan 15
Cabang Kabupaten Tangerang
Tangerang*) Kelurahan Pakulonan Barat, Kecamatan Kelapa Dua, Kabupaten
Branch Tangerang Regency
Tangerang, Banten.
Office
Kantor
Cabang Ruko Serpong Garden Blok 7 Nomor 18, Kelurahan Cibogo, Kabupaten Tangerang
Tangerang 2
Branch Kecamatan Cisauk, Kabupaten Tangerang, Provinsi Banten. Tangerang Regency
Office
KSKC
Jalan By Pass Soekarno Hatta, Desa Kaduagung Timur, Kecamatan Kabupaten Lebak
Rangkasbitung Non-Branch
Cibadak, Kabupaten Lebak, Provinsi Banten. Lebak Regency
Office

.05 .06 .07

.04
ANALISA DAN PEMBAHASAN
MANAJEMEN
Management Discussion and Analysis
Strategi bisnis yang tepat di tengah momentum pemulihan ekonomi

yang berlanjut menjadikan laba bersih Perseroan meningkat sebesar
92,77% atau Rp110,61 miliar di tahun 2021
The right business strategy in the economic recovery momentum has paved the way for the Company to
record an increase in net income of 92.77% or Rp110.61 billion in 2021

.01 .02 .03 .04
Tinjauan Ekonomi
Economic Overview
PEREKONOMIAN GLOBAL GLOBAL ECONOMY
IMF dalam World Economic Outlook yang dirilis pada In its World Economic Outlook released in January
Januari 2022 merilis pertumbuhan perekonomian dunia 2022, the IMF estimated that the global economic
sebesar 5,9%. Proyeksi pertumbuhan tersebut meski growth would be at 5.9%. This growth projection,
lebih rendah dari prediksi sebelumnya yang sebesar 6% although lower than the IMF’s previous prediction of
mencerminkan ekonomi dunia telah pulih setelah pada 6%, served as a reflection on how the world economy
tahun 2020 terkontraksi sebesar -3,1%. has recovered after contracting by -3.1% in 2020.
Pemulihan ekonomi telah terjadi di dua negara ekonomi Economic recovery can be seen happening in the two
terbesar dunia, yaitu Tiongkok dengan pertumbuhan largest economies in the world, namely, China with
8,0% dan Amerika Serikat (AS) dengan pertumbuhan 8.0% growth and the United States (US) with 5.9%
sebesar 5,9%. Sementara pemulihan ekonomi negara- growth. Meanwhile, economic recovery for other
negara lain diperkirakan akan terjadi pada tahun 2022 countries is expected to occur in 2022 with continued
dengan perbaikan ekonomi yang terus berlanjut sejak economic improvement since 2021.
tahun 2021.

.05 .06 .07
Perekonomian kawasan Eropa diperkirakan akan The economy of the European region is expected to
tumbuh sebesar 4,8% setelah terkontraksi sebesar grow by 4.8% after contracting by 6.3% in 2020. Among
6,3% pada tahun 2020. Di antara negara Asia, India Asian countries, India is expected to grow at around
diperkirakan akan tumbuh tinggi sekitar 8,8% setelah 8.8% after a contraction of 7.1% in 2020. ASEAN-5
kontraksi sebesar 7,1% pada tahun 2020. Negara- countries will grow by 3.9% after a 3.4% contraction in
negara ASEAN-5 akan tumbuh sebesar 3,9% setelah the previous year.
kontraksi 3,4% pada tahun sebelumnya.
Kenaikan volume perdagangan dunia dan harga An increase in world trade volume and commodity
komoditas terus berlanjut, sehingga menopang prices continues, thus bolstering prospects for exports
prospek ekspor dan pemulihan ekonomi di berbagai and economic recovery in various emerging markets
negara berkembang dan sedang tumbuh (emerging and developing economies (EDMEs).
markets and developing economies atau EMDEs).
Secara keseluruhan, sepanjang tahun 2021 pemulihan Overall, throughout 2021, global economic recovery
ekonomi global terus berlanjut meski belum merata continued, although this recovery was not evenly
antara negara maju dan negara berkembang. Kecepatan distributed between developed and developing
tingkat perbaikan ekonomi suatu negara dipengaruhi countries. The pace of a country’s economic improvement
oleh tingkat vaksinasi untuk mencapai imunitas massal, is influenced by vaccination rates for achieving mass
besarnya stimulus kebijakan fiskal dan moneter, serta immunity, the magnitude of fiscal and monetary policy
daya tahan dalam menghadapi penyebaran mutasi stimulus, as well as resilience in the face of the spread of
virus Covid-19 seperti delta dan omicron. Covid-19 virus mutations such as delta and omicron.
Di negara-negara maju seperti AS dan sebagian Uni In developed countries, such as the US and parts of
Eropa, pemulihan ekonomi berjalan lebih cepat, karena the European Union, economic recovery is progressing
didukung stimulus fiskal dan moneter yang sangat more rapidly, supported by very large fiscal and
besar. Stimulus pemerintah dan bank sentral dimaksud monetary stimulus. The stimulus from the government
melalui program vaksinasi, bantuan sosial dan dunia and the central bank is distributed through vaccination
usaha, serta penambahan likuiditas (quantitative programs, social and business assistance programs, as
easing) yang sangat besar ke sistem keuangan. well as the addition of very large liquidity (quantitative
easing) to the financial system.
Situasi berbeda terjadi di banyak negara EMDEs, kecuali The situation is different in many EMDEs, with the
Tiongkok, yang masih berjuang untuk memulihkan exception of China, which is still struggling to recover
perekonomiannya. Selain tingkat vaksinasi yang its economy. In addition to lower vaccination rates,
terbatas, kemampuan stimulus fiskal dan moneter similar limitations in fiscal and monetary stimulus have
yang minim juga menyebabkan lebih lambatnya proses also slowed down the economic recovery process in
pemulihan ekonomi. these countries.
Sebagian besar negara EMDEs mengalami keterbatasan Most EMDEs have limited capacities for increasing
untuk meningkatkan anggaran belanjanya, terutama their budgets, mainly due to lower tax revenues due
karena penurunan penerimaan pajak karena to reduced business activity, as well as limited debt
menurunnya aktivitas dunia usaha, serta keterbatasan capacity for financing larger fiscal deficits. Meanwhile,
kemampuan berutang untuk membiayai defisit fiskal the effectiveness of monetary policy for stimulating
yang lebih besar. Sementara, efektivitas kebijakan the economy was hampered by the conditions of the
moneter untuk mendorong perekonomian banyak banking and financial sectors that were also affected
terkendala karena kondisi perbankan dan sektor by the pandemic.
keuangan yang juga terdampak pandemi.

.01 .02 .03 .04
TINJAUAN PEREKONOMIAN INDONESIA INDONESIAN ECONOMIC OVERVIEW
Pada tahun 2021, perekonomian Indonesia tumbuh In 2021, the Indonesian economy recorded positive
positif sebesar 3,69% dibandingkan kontraksi sebesar growth of 3.69% compared to a contraction of -2.07%
-2,07% di tahun 2020. Penyebaran virus Covid-19 yang in 2020. The containment of the Covid-19 is in line with
mulai terkendali sejalan dengan cakupan vaksinasi yang wider distribution of vaccination and activities that slowly
meluas dan pelonggaran aktivitas terutama sejak kuartal became normal, especially since the third quarter of 2021.
III-2021 berdampak terhadap pemulihan ekonomi. It provided a positive impact on the economic recovery.
Dari sisi produksi, pertumbuhan tertinggi terjadi pada In terms of production, the highest growth occurred in
Lapangan Usaha Jasa Kesehatan dan Kegiatan Sosial the business field of Health Services and Social Activities,
sebesar 10,46%. Sementara dari sisi pengeluaran at 10.46%. Meanwhile, in terms of expenditure, the
pertumbuhan tertinggi dicapai oleh Komponen Ekspor highest growth was achieved by the export of goods and
Barang dan Jasa sebesar 24,04%. services, at 24.04%.
Dukungan pertumbuhan kinerja ekspor yang tetap tinggi Support for growth in export performance, which remained
sejalan dengan permintaan mitra dagang utama yang high in line with demand from major trading partners
tetap kuat, tidak mampu mengompensasi penurunan (which remained strong), was unable to compensate for
pertumbuhan konsumsi swasta dan investasi. the decline in private consumption and investment growth.
Ketahanan sektor eksternal Indonesia tetap terjaga Indonesia’s external sector resilience is maintained,
didukung oleh perbaikan kinerja Neraca Pembayaran supported by improved performance in Indonesia’s
Indonesia (NPI). Transaksi berjalan tahun 2021 mencatat Balance of Payments (BOP). The current account in
surplus, ditopang oleh kinerja ekspor yang tinggi 2021 recorded a surplus, supported by high export
sejalan dengan kenaikan permintaan global dan performance that is in line with the rise in global demand
harga komoditas dunia. Selain itu, posisi cadangan and world commodity prices. In addition, the position of
devisa Indonesia juga dinilai cukup memadai untuk Indonesia’s foreign exchange reserves is also adequate
menghadapi tekanan eksternal. to deal with external pressures.
Nilai tukar Rupiah bergerak stabil dan berpotensi The Rupiah’s exchange rate was stable and had the
menguat, didukung oleh fundamental ekonomi potential to become stronger with the support of
khususnya kinerja ekspor dan eksternal, aliran masuk economic fundamentals, particularly when it came
modal asing dan langkah kebijakan stabilisasi moneter. to exports and external performance, foreign capital
Inflasi inti tetap rendah di tengah permintaan domestik inflows and monetary stabilization policy measures. Core
yang mulai meningkat, didukung oleh pasokan yang inflation remained low amid growing domestic demand,
terkendali, nilai tukar yang stabil dan ekspektasi inflasi supported by controlled supply, a stable exchange rate
yang terjaga. and subdued inflation expectations.
Pemerintah memprediksi pertumbuhan ekonomi Indonesia The government predicted Indonesia’s economic growth
pada tahun 2021 berada di level 3,2%-4%, atau lebih baik in 2021 to be at the level of 3.2%-4%, or better than its
dari tahun 2020 yang terkontraksi sebesar -2,07%. contraction of -2.07% in 2020.
PROYEKSI PEREKONOMIAN TAHUN 2022 ECONOMIC PROJECTIONS FOR 2022
Bank Dunia dalam laporan Global Economic Prospects The World Bank, in its Global Economic Prospects
yang dirilis pada Januari 2022, memperkirakan report released in January 2022, estimated that global
pertumbuhan ekonomi global pada tahun 2022 sebesar economic growth in 2022 would be at 4.1%, or lower
4,1% atau lebih rendah dari pencapaian tahun 2021. than its numbers in 2021. This number is due to the

.05 .06 .07
Hal itu disebabkan penanganan mutasi virus Covid-19 uneven handling of the Covid-19 virus mutations
yang tidak merata antar negara, kenaikan inflasi, between countries, rising inflation, debt levels and
tingkat utang dan ketimpangan pendapatan yang rising income inequality.
meningkat.
Sementara itu, Bank Dunia memprediksi Meanwhile, the World Bank predicts the Indonesian
perekonomian Indonesia pada tahun 2022 akan economy in 2022 will grow by 5.2% or higher than the
tumbuh sebesar 5,2% atau lebih tinggi dari realisasi realization of growth in the previous year. This growth
pertumbuhan pada tahun sebelumnya. Pertumbuhan is supported by strong domestic demand and rising
itu ditopang dari permintaan yang kuat dari commodity prices.
dalam negeri dan kenaikan harga komoditas.
Selaras dengan prediksi Bank Dunia tersebut, Bank In line with the World Bank’s predictions, Bank Indonesia
Indonesia memprediksi pertumbuhan ekonomi has similarly predicted Indonesia’s economic growth in
Indonesia pada tahun 2022 sekitar 4,7%-5,5%, 2022 to be at around 4.7%-5.5%, an increase compared
meningkat lebih tinggi dari realisasi pertumbuhan pada to realized growth numbers in 2021. This prediction
tahun 2021. Dengan asumsi tidak terjadi penyebaran was made under the assumption that there won’t be
gelombang ketiga pandemi Covid-19, tercapainya a spread of the third wave of the Covid-19 pandemic,
imunitas massal dan berangsur pulihnya mobilitas as well as under the assumption that there will be mass
masyarakat. immunity and a gradual recovery of public mobility.
Kinerja ekspor juga tetap akan menjadi sumber Export performance will also continue to be a source
pertumbuhan ekonomi dengan masih akan tingginya of economic growth due to how high the demand and
permintaan dan harga komoditas global, meskipun global commodity prices remain, although it is also
dengan tingkat pertumbuhan yang lebih rendah estimated that this growth rate will be lower than in
dari tahun 2021. Sektor konsumsi tetap akan terjaga 2021. The consumption sector will still be maintained
karena berlanjutnya program Pemulihan Ekonomi due to the continuation of the National Economic
Nasional (PEN). Recovery program.
Kenaikan permintaan domestik, kinerja ekspor, An increase in domestic demand, export performance,
kenaikan Penanaman Modal Asing (PMA) dari an increase in Foreign Investment as a result of the
implementasi UU Cipta Kerja, serta kembali implementation of the Job Creation Law, as well as a
dilanjutkannya proyek-proyek infrastruktur strategis resumption of delayed national strategic infrastructure
nasional yang tertunda akan mendorong kenaikan projects are all estimated to contribute to encouraging
pertumbuhan investasi yang tinggi. high investment growth.
Dari sisi lapangan usaha, pertumbuhan ekonomi In terms of business fields, economic growth will be
akan didukung sejumlah sektor yang diperkirakan supported by a number of sectors that are expected
tumbuh kuat, seperti sektor pertambangan, industri to grow strongly, such as the mining, manufacturing,
pengolahan, perdagangan dan pertanian. Sementara trade and agriculture sectors. Meanwhile, inflation is
itu, inflasi diperkirakan masih dapat terkendali dalam estimated to remain under control within the target
kisaran sasaran yaitu 3±1% dengan kapasitas produksi range of 3±1%, with national production capacity still
nasional yang masih memadai dalam memenuhi adequate enough to deal with an increase in aggregate
kenaikan permintaan agregat hingga akhir 2022, demand until the end of 2022. Nevertheless, the impact
meskipun dampak kenaikan harga energi global perlu of rising global energy prices is something to keep an
tetap diwaspadai. eye on.

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Tinjauan Industri
Industry Overview
TINJAUAN INDUSTRI PEMBIAYAAN FINANCING INDUSTRY OVERVIEW
Pandemi Covid-19 yang masih berlangsung pada The Covid-19 pandemic, which remained in effect
tahun 2021 membuat OJK meneruskan kebijakan throughout in 2021, forced the Financial Services
restrukturisasi pembiayaan bagi lembaga jasa keuangan Authority (FSA) to continue its policy of financing the
non bank (LJKNB) seperti perusahaan pembiayaan. Hal restructuring of non-bank financial services institutions
ini dinyatakan dalam POJK Nomor 30/POJK.05/2021 (NBFIs) such as finance companies. This policy was
tentang Perubahan Kedua atas Peraturan Otoritas Jasa stated in FSA Regulation Number 30/POJK.05/2021 on
Keuangan Nomor 14/POJK.05/2020 tentang Kebijakan the Second Amendment to FSA Regulation Number 14/
Countercyclical Dampak Penyebaran Coronavirus POJK.05/2020 concerning Countercyclical Policy on the
Disease (Covid) 2019 bagi Lembaga Jasa Keuangan Impact of the Spread of the 2019 Coronavirus Disease
Nonbank. (Covid) for Non-Bank Financial Services Institutions.
Perpanjangan kebijakan stimulus untuk LJKNB The extension of this stimulus policy for NBFIs served as
itu merupakan upaya untuk menjaga momentum an effort to maintain the momentum for improvement
perbaikan dan stabilitas kinerja industri serta untuk and stability in industrial performance and to avoid
menghindari potensi gejolak pada saat berakhirnya potential turmoil at the expiration of the countercyclical
masa berlaku kebijakan countercyclical dampak policy due to the impact of the spread of Covid-19 for
penyebaran Covid-19 bagi LJKNB. Dengan adanya NBFIs. It was due to the aforementioned FSA regulation
POJK tersebut, maka kebijakan restrukturisasi yang that the restructuring policy, which was supposed to
seharusnya berakhir pada 17 April 2022 diperpanjang end on April 17, 2022, was given an extension to April
sampai 17 April 2023. 17, 2023.
Pada tahun 2021, berdasarkan data OJK restrukturisasi According to FSA data, financing restructuring carried
pembiayaan yang dilakukan perusahaan pembiayaan out by financing companies in 2021 reached Rp 218.95
mencapai Rp218,95 triliun. Nilai tersebut terdiri dari trillion. This amount was comprised of 5.22 million
5,22 juta kontrak restrukturisasi. restructuring contracts.
Dari sisi kinerja industri pembiayaan secara umum In terms of performance, the financing industry in
menunjukkan peningkatan dibanding tahun lalu. general showed an improvement compared to last year.
Hal itu tercermin dari beberapa indikator seperti This improvement was reflected in several indicators
produktivitas, profitabilitas, permodalan dan kualitas such as productivity, profitability, capital and quality of
pembiayaan. financing.
Piutang pembiayaan neto sebesar Rp364,2 triliun, Net financing receivables amounted to Rp364.2 trillion,
turun 1,5% dari tahun 2020 sebesar Rp369,8 triliun. down 1.5% from Rp369.8 trillion in 2020. Typically, after
Setelah tiga triwulan awal jumlahnya cenderung the initial three quarters of a year, the numbers tended
turun, piutang pembiayaan mulai meningkat sejak to decrease. In 2021, financing receivables began to

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awal triwulan IV 2021. Hal ini sesuai dengan prediksi improve since the beginning of the fourth quarter. This
OJK yang menyebut pada tahun 2021 piutang akan was in accordance with the FSA’s prediction that in 2021
terkoreksi 1%-5%. Kontraksi yang hanya sebesar 1,5% receivables will be corrected by 1%-5%. The contraction
itu cukup bagus di tengah peningkatan pandemi yang of only 1.5% was quite good in the midst of a spike in
terjadi pada pertengahan tahun 2021. the pandemic that occurred in mid 2021.
Produktivitas yang tercermin dari rasio piutang Productivity, as reflected in the ratio of financing
pembiayaan terhadap aset tercatat sebesar 84,10%, receivables to assets, was recorded at 84.10%, up from
naik dari tahun 2020 sebesar 81,08%. Peningkatan 81.08% in 2020. This increase was due to the decline
ini disebabkan turunnya aset Perseroan multifinance in assets of multifinance the Company by 5.0% to
sebesar 5,0% menjadi Rp433,11 triliun. Rp433.11 trillion.
Profitabilitas yang direpresentasikan dari rasio laba Profitability, as represented by the return on assets
atas aset sebesar 4,51% di tahun 2021, naik dari ratio, was 4.51% in 2021, up from 1.99% in 2020. The
1,99% di tahun 2020. Rasio laba atas ekuitas juga naik return on equity ratio also increased to 11.39% in 2021.
menjadi 11,39% di tahun 2021. Kualitas pembiayaan The quality of financing also got better with the non-
juga semakin membaik dengan rasio pembiayaan performing financing ratio at 3.53% in 2021, down
bermasalah sebesar 3,53% di tahun 2021, turun dari from 4.01% in 2020.
tahun 2020 sebesar 4,01%.
Kinerja Keuangan Perusahaan Pembiayaan Tahun 2019-2021

Financial Performance of Financing Companies in 2019-2021
Uraian
2021 2020 2019
Description
Rasio piutang pembiayaan terhadap aset

84,10% 81,08% 87,28%
Financing receivables to assets ratio
Rasio pinjaman terhadap modal sendiri
1,98 2,15 2,61
Loan to equity ratio
Rasio modal sendiri-modal disetor
272,10% 268,81% 271,14%
Equity to paid-in capital ratio
Rasio pembiayaan bermasalah
3,53% 4,01% 2,40%
Non-performing financing ratio
Rasio laba atas aset
4,51% 1,99% 4,79%
Return-on-assets ratio
Rasio laba atas ekuitas
11,39% 5,27% 14,28%
Return-on-equity ratio
Rasio penyertaan modal
1,06% 0,99% 0,98%
Equity participation ratio
Rasio biaya operasional atas pendapatan operasional
80,63% 91,09% 78,93%
Operating expenses to operating income ratio

.01 .02 .03 .04
TINJAUAN INDUSTRI PEMBIAYAAN SEPEDA MOTOR MOTORCYCLE FINANCING INDUSTRY OVERVIEW
Sejalan dengan tren pemulihan ekonomi, penjualan In line with the trend of economic recovery, motorcycle
sepeda motor turut meningkat sepanjang tahun sales also increased throughout 2021. According to data
2021. Data Asosiasi Industri Sepeda Motor Indonesia from the Indonesian Motorcycle Industry Association,
(AISI), penjualan sepeda motor untuk pasar domestik motorcycle sales for the domestic market reached 5.1
sebanyak 5,1 juta unit meningkat 38,2% dari tahun million units, an increase of 38.2% from 3.7 million
2020 sebanyak 3,7 juta unit. Jenis motor skuter masih units in 2020. Motor scooters still dominated sales.
mendominasi penjualan.
Peningkatan penjualan tidak hanya untuk pasar This increase in sales was not only for the domestic
domestik saja, tetapi juga pasar ekspor. Penjualan market, but also for the exports market. Export sales
sepeda motor untuk ekspor meningkat menjadi 803,9 for motorcycles increased to 803.9 thousand units, up
ribu unit, naik 14,8% dari tahun 2020 sebanyak 700,4 14.8% from 700.4 thousand units in 2020.
ribu unit.
Penjualan sepeda motor yang meningkat itu memberi This increase in motorcycle sales has had a positive
dampak positif bagi industri pembiayaan. Sebab, impact on the financing industry, as most finance
sebagian besar perusahaan pembiayaan menyalurkan companies channeled their financing for the purchase
pembiayaannya untuk pembelian sepeda motor. of motorcycles.

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Tinjauan Operasional Segmen Usaha

Business Segment Operational Overview
STRATEGI BISNIS BUSINESS STRATEGY
Perseroan terus meningkatkan kualitas akuisisi kredit The Company continued to improve its quality of
melalui new mobile survey dan new mobile collection credit acquisition through new mobile surveys and
yang sudah dipraktikan sejak tahun sebelumnya. new mobile collections that it has practiced since the
Implementasi Core System baru sangat berdampak previous year. The implementation of the new Core
terhadap operasional yang lebih efektif dan efisien. System has greatly had an impact on mor e effective
Kerja sama dengan Dinas Pendudukan dan Catatan and efficient operations. The ongoing collaboration
Sipil (Dukcapil) Kementerian Dalam Negeri yang terus with the Population and Civil Registration Department
berlanjut juga memberikan dampak pada semakin of the Ministry of Home Affairs has also had an impact
terkendalinya pembiayaan bermasalah. on controlling non-performing financing.
Transformasi digital juga terus dilaksanakan The Company also continued to carry out digital
oleh Perseroan dalam setiap aspek seperti untuk transformations in all aspects of its operations, such
menyelenggarakan kegiatan pendidikan dan pelatihan as through the organizing of employee education and
karyawan. Kegiatan pendidikan dan pelatihan yang training activities. Education and training activities that
sebelumnya dilakukan secara tatap muka telah berganti were previously conducted face-to-face were done
menjadi online. Hal ini berdampak pada semakin online. This has had an impact on the efficiency of the
efisiennya biaya yang dikeluarkan dan peningkatan costs incurred and an increase in the number of training
jumlah peserta pelatihan. participants.
Dari aspek pemasaran, selain mengandalkan jaringan From the marketing side of things, apart from relying
distribusi penjualan konvensional, Perseroan juga on conventional sales distribution networks, the
memperkuat kerjasama dengan berbagai platform Company also strengthened cooperation with various
pemasaran digital untuk menjangkau pelanggan digital marketing platforms to reach a wider range of
potensial yang lebih luas. potential customers.
KEGIATAN PEMBIAYAAN FINANCING ACTIVITIES
Jenis produk dan layanan Perseroan meliputi: The types of products and services at the Company
include:
1. Pembiayaan Multiguna Barang: 1. Multipurpose Goods Financing:
- Pembiayaan Motor Baru - New Motorcycle Financing
- Pembiayaan Motor Bekas - Used Motorcycle Financing
2. Pembiayaan Multiguna Jasa: 2. Multipurpose Services Financing:

- Pembiayaan Multiguna MotorKu - MotorKu Multipurpose Financing
- Pembiayaan Multiguna MobilKu - MobilKu Multipurpose Financing
- Fasilitas Dana MotorKu - MotorKu Funding Facility
- Fasilitas Dana MobilKu - MobilKu Funding Facility
3. Pembiayaan Investasi - Sale and Leaseback MobilKu 3. Investment Financing - Sale and Leaseback MobilKu

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4. Pembiayaan Modal Kerja : 4. Working Capital Financing:

- Fasilitas Modal Usaha MobilKu - MobilKu Working Capital Facility
- Sale and Leaseback MobilKu - Sale and Leaseback MobilKu
5. Pembiayaan Jual Beli (Akad Murabahah) 5. Selling and Buying Financing (Murabahah Contracts)
- Pembiayaan Syariah Motor Baru - New Motorcycle Sharia Financing
- Pembiayaan Syariah Logam Mulia “MasKu” - “MasKu” Precious Metals Sharia Financing
Kinerja Pembiayaan Financing Performance

Pada tahun 2021, kinerja pembiayaan Perseroan In 2021, the Company financing performance is as
sebagai berikut: follows:
2021 2020
Jenis Pembiayaan Pertumbuhan
Types of Financing Growth (%)
Unit % Unit %
Konvensional
212.404 99,88% 131.214 100,00% 61,88%
Conventional
Syariah
253 0,12% 0 0,00% 100,00%
Sharia
Jumlah
212.657 100,0% 131.214 100,00% 62,07%
Total
dalam Rp juta | in Rp million
Kegiatan Pembiayaan Nama Produk Pertumbuhan

2021 2020
Financing Activities Product Name Growth (%)

1.407.807 790.302 78,14%
Multipurpose Goods Financing Pembiayaan Motor Bekas
13 32.248 -99,96%
1.094.492 652.912 67,63%
MotorKu Multipurpose Financing
111 259 -56,94%
Pembiayaan Multiguna Jasa MotorKu Funding Facility
Multipurpose Services Financing Pembiayaan Multiguna MobilKu
482.207 752.989 -35,96%
MobilKu Multipurpose Financing
771.433 126.655 509,08%
MobilKu Funding Facility
Sale and Leaseback MobilKu 76.562 11.431 569,78%

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2021 2020

Pembiayaan Modal Kerja 257.103 15.881 1.518,91%
MobilKu Working Capital Facility
Working Capital Financing
Pembiayaan Syariah Motor Baru
- - -
Murabahah) Pembiayaan Syariah Logam Mulia
Sale and Purchase Financing “MasKu”
("Murabahah" Contracts) 1.372 - 100,00%
Financing
Jumlah
4.140.505 2.395.625 72,84%
Total
PEMBIAYAAN SEPEDA MOTOR BARU NEW MOTORCYCLE FINANCING
Pada tahun 2021, pembiayaan sepeda motor baru In 2021, new motorcycle financing in units reached
dalam unit mencapai 71.146 meningkat 79,68% 71,146, an increase of 79.68% compared to 2020 of
dibanding tahun 2020 sebanyak 39.597 unit. 39,597 units.
Sepeda Motor Baru Pertumbuhan

2021 2020
New Motorcycle Growth (%)
Unit
71.146 39.597 79,68%
Units
Nilai Pembiayaan (Rp juta)
1.407.807 790.302 78,14%
Funding Value (Rp million)
Rata-Rata Nilai Pembiayaan Perunit (Rp juta)
19,79 19,96 -0,86%
Average Financing Value Per Unit (Rp million)
Kinerja Pembiayaan Sepeda Motor Baru New Motorcycle Financing Performance

Membaiknya pasar sepeda motor dan terjaganya daya The improvement in the motorcycle market and stable
beli konsumen sepanjang tahun 2021 merupakan consumer purchasing power throughout 2021 were
faktor yang meningkatkan nilai pembiayaan sepeda factors that increased the value of the Company’s
motor Perseroan sebesar 78,14% dari Rp790 miliar di motorcycle financing by 78.14%, from Rp790 billion in
tahun 2020 menjadi Rp1,41 triliun di tahun 2021. 2020 to Rp1.41 trillion in 2021.
Kualitas Pembiayaan Financing Quality

Perseroan melanjutkan penerapan mobile survey dan The Company continued its implementation of mobile
mobile collection dalam melakukan akuisisi kredit, surveys and mobile collection in conducting credit
serta melakukan review dan pengembangan Mobile acquisitions, as well as reviewing and developing
Survey dan Mobile Collection secara berkelanjutan. Mobile Survey and Mobile Collection on an ongoing
Metode tersebut terbukti dapat menjaga kualitas basis. This method proved its ability to maintain good
pembiayaan yang tetap baik. financing quality.

.01 .02 .03 .04
Profitabilitas Profitability
Perseroan melakukan penyesuaian segmentasi TAC The Company made adjustments to the TAC (Total
(Total Acquisition Cost) berdasarkan tipe sepeda motor Acquisition Cost) segmentation based on the type of
dan dealer. Bagi Dealer yang memberikan kontribusi motorcycle and dealer. Dealers with good credit risk
portofolio dengan risiko kredit yang baik, serta potensi and higher market potential received higher incentives
pasar yang lebih tinggi akan mendapatkan insentif than other dealers. This method aimed to boost the
yang lebih tinggi dibandingkan dengan dealer lainnya. quality of the dealer portfolio, as well as increase the
Cara ini bertujuan untuk memacu kualitas portofolio company’s sales and market share.
dealer, sekaligus meningkatkan penjualan dan pangsa
pasar perusahaan.
PEMBIAYAAN SEPEDA MOTOR BEKAS USED MOTORCYCLE FINANCING
Pada tahun 2021, kinerja pembiayaan sepeda motor In 2021, the Company’s used motorcycle financing
bekas Perseroan sebagai berikut: performance was as follows:
Sepeda Motor Bekas Pertumbuhan

2021 2020
Used Motorcycles Growth (%)
Unit
1 3.022 -99,97%
Units
Nilai Pembiayaan (Rp juta)
13 32.248 -99,96%
Funding Value (Rp million)
Rata-rata Nilai Pembiayaan Perunit (Rp juta)
13,37 10,67 25,32%
Average Financing Value Per Unit (Rp million)
Kinerja Pembiayaan Sepeda Motor Bekas Used Motorcycle Financing Performance

Pembiayaan sepeda motor bekas menurun hampir Used motorcycle financing decreased by almost 100%
100% pada tahun 2021 menjadi Rp13 juta dari tahun in 2021 to Rp13 million from Rp32.25 billion in 2020.
2020 senilai Rp32,25 miliar.

Penurunan yang signifikan ini karena Perseroan This significant decline was because the Company
meningkatkan fokusnya pada pembiayaan yang lebih focused more on financing that provided higher profits
memberikan profit yang lebih tinggi dan risiko kredit and better credit risk.
lebih baik.
Pembiayaan multiguna jasa yang menjadi fokus The risk of multipurpose services financing tends to
pembiayaan Perseroan memberikan profitabilitas yang increase so that the Company reduces financing in this
lebih tinggi dari pembiayaan sepeda motor bekas. segment.

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PEMBIAYAAN SYARIAH SHARIA FINANCING
Pada tahun 2021 Perusahaan meluncurkan produk In 2021, the Company launched a new financing product,
pembiayaan baru, yaitu pembiayaan Logam Mulia namely Precious Metals financing with the Sharia Platform.
dengan Platform Syariah, Pembiayaan yang berawal di The financing started at its 4 (four) Sharia branches. At the
4 (empat) cabang Syariah Perseroan, di akhir tahun 2021 end of 2021, a total of 18 (eighteen) National branches can
yang lalu sudah berkembang menjadi total 18 (delapan channel Precious Metals financing with this Sharia platform.
belas) cabang Nasional yang dapat menyalurkan
pembiayaan Logam Mulia dengan platform Syariah ini.
Pembiayaan syariah Logam Mulia “MasKu” di sepanjang “Masku” Precious Metals sharia financing throughout
semester 2 2021 sebesar Rp1,37 miliar. semester 2 2021 was Rp1.37 billion.
Pembiayaan Logam Mulia Pertumbuhan

2021 2020
Precious Metals Sharia Financing Growth (%)
Dalam unit | In units

Unit
253 - 100%
Units
Dalam Rp juta | In Rp million
Nilai Pembiayaan
1.372 - 100%
Funding Value
PEMBIAYAAN MULTIGUNA JASA MULTIPURPOSE SERVICES FINANCING
Fleksibilitas produk multiguna jasa merupakan The flexibility of multipurpose services financing
salah satu keunggulannya dibanding produk lain. products is one of its advantages over other products.
Pembiayaan ini juga memiliki marjin keuntungan yang This financing also has a better profit margin than
lebih baik dibanding produk pembiayaan lainnya. other financing products.
dalam unit | in units

2021 2020

120.750 76.335 58,18%
11 31 -64,52%
6.459 10.207 -36,72%
10.402 1.661 526,25%
Jumlah
137.622 88.234 55,97%
Total

.01 .02 .03 .04

2021 2020

1.094.492 652.912 67.63%
111 259 -56,94%
482.207 752.989 -35,96%
771.433 126.655 509,08%
Jumlah
2.348.243 1.532.815 53,20%
Total
Kinerja Pembiayaan Multiguna Jasa Multipurpose Services Financing Performance

Pembiayaan multiguna jasa di tahun 2021 meningkat Multipurpose services financing in 2021 increased by
sebesar 53,20% menjadi Rp2,35 triliun dari tahun 2020 53.20% to Rp2.35 trillion from Rp1.53 trillion in 2020.
sebesar Rp1,53 triliun.

Pembiayaan multiguna jasa memiliki rasio pembiayaan Multipurpose services financing has a controlled non-
bermasalah yang terkendali karena Perseroan telah performing financing ratio thanks to the Company
memiliki mekanisme akuisisi kredit yang tepat dan already having the right credit acquisition mechanism,
dievaluasi dan dikembangkan secara berkelanjutan. which is evaluated and developed on an ongoing basis.
Pembiayaan multiguna jasa memberikan marjin Multipurpose services financing provide a higher profit
keuntungan yang lebih tinggi dibanding produk margin than other financing products. This product also
pembiayaan lainnya. Produk ini juga memiliki biaya has a low acquisition cost and manageable credit risk.
akuisisi yang rendah dan risiko kredit yang terjaga.
PEMBIAYAAN INVESTASI INVESTMENT FINANCING
Sejak diluncurkan pada kuartal III tahun 2020, produk Since its launch in the third quarter of 2020, investment
pembiayaan investasi mendapatkan respon positif financing products have received positive responses from
dari pasar. Kredibilitas Perseroan sebagai salah satu the market. the Company credibility as one of the largest
perusahaan pembiayaan terbesar di Indonesia merupakan finance companies in Indonesia was one of the factors
salah satu faktor yang membuat pasar percaya terhadap that helped make the market believe in this product.
produk ini.

.05 .06 .07

2021 2020

Sale and Leaseback MobilKu 547 79 592,41%
Kinerja Pembiayaan Investasi Investment Financing Performance

Pada tahun 2021, pembiayaan investasi berupa Sale In 2021, investment financing in the form of Sale and
and Leaseback sebesar Rp76,56 miliar, atau tumbuh Leaseback amounted to Rp76.56 billion, or growth of
569,78% dari tahun 2020 sebesar Rp11,43 miliar. 569.78% from Rp11.43 billion in 2020.

Perseroan berhasil menjaga kualitas pembiayaan The Company managed to maintain its quality of
investasi pada level yang terkendali. investment financing at a controlled level.
Sebagai produk baru, pembiayaan investasi As a new product, investment financing provided an
memberikan alternatif pendapatan bagi Perseroan. alternative income for the Company.
PEMBIAYAAN MODAL KERJA WORKING CAPITAL FINANCING
Produk pembiayaan modal kerja merupakan Multipurpose services financing was a relatively new
produk relatif baru yang diluncurkan Perseroan product launched by the Company in September
pada September 2020. Produk ini untuk memenuhi 2020. This product was intended to meet the needs of
kebutuhan pelanggan yang memiliki keterbatasan customers who had limited working capital to expand
dalam modal kerja untuk mengembangkan usahanya. their business.

2021 2020

Pembiayaan Modal Kerja 2.695 193 1.296,37%
Sale and Leaseback MobilKu 393 89 341,57%

Pembiayaan Modal Kerja 257.103 15.881 1.518,91%

.01 .02 .03 .04
Kinerja Pembiayaan Modal Kerja \Working Capital Financing Performance

Produk Fasilitas Modal Usaha MobilKu meningkat MobilKu Working Capital Facility product increased
sebesar 1.518,91% menjadi Rp257,10 miliar di tahun by 1,518.91% to Rp257.10 billion in 2021 from the
2021 dari tahun sebelumnya senilai Rp15,88 miliar. previous year’s Rp15.88 billion. Meanwhile, Sale and
Sementara produk Sale and Leaseback MobilKu juga Leaseback MobilKu products also increased by 281.56%
naik sebesar 281,56% menjadi Rp49,40 miliar dari to Rp49.40 billion from Rp12.95 billion in 2020.
tahun 2020 senilai Rp12,95 miliar.

Penerapan Core System baru yang didukung dengan The implementation of the new Core System supported
new mobile survey dan new mobile collection by new mobile surveys and new mobile collections
menyebabkan Perseroan mampu menjaga kualitas has made the Company able to properly maintain its
pembiayaan produk ini dengan baik. financing quality for this product.
Produk pembiayaan modal kerja memiliki prospek Working capital financing products have good prospects
yang bagus untuk meningkatkan profitabilitas bagi for increasing the Company profitability.
Perseroan.

.05 .06 .07
Tinjauan Keuangan
Financial Overview
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
Aset Assets
Aset Perseroan mengalami penurunan sebesar 2,51% The Company’s assets decreased by 2.51% from Rp5.28
dari Rp5,28 triliun pada tahun 2020 menjadi Rp5,15 trillion in 2020 to Rp5.15 trillion in 2021. The details of
triliun pada tahun 2021. Rincian aset Perseroan sebagai the Company’s assets are as follows:
berikut:
Aset
2021 2020 2019
Assets
Kas dan Setara Kas

448.752 634.520 751.561
Cash and Cash Equivalents
Piutang Pembiayaan Konsumen - Neto
4.051.367 4.280.120 7.205.215
Consumer Financing Receivables - Net
Piutang Pembiayaan Modal Usaha - Neto
240.153 15.070 -
Capital Financing Receivables - Net
Piutang Sewa Pembiayaan - Neto
124.119 23.371 -
Finance Lease Receivables - Net
Piutang Lain-Lain - Neto
24.206 42.988 46.574
Other Receivables - Net
Biaya Dibayar Dimuka dan Uang Muka
12.048 6.218 76.904
Prepaid Expenses and Advances
Aset Tetap
73.654 84.791 111.672
Property and Equipment
Aset Hak-Guna
83.388 96.026 -
Right-of-Use Assets
Aset Tidak Berwujud
32.352 32.579 32.084
Intangible Assets
Aset Pajak Tangguhan - Neto
19.532 24.540 33.938
Deferred Tax Assets - Net
Aset Lain-Lain
41.513 43.479 13.222
Other Assets
Total Aset
5.151.084 5.283.702 8.271.170
Total Assets
Liabilitas Liabilities
Liabilitas Perseroan mengalami penurunan sebesar The Company’s liabilities decreased by 6.21% from
6,21% dari Rp4,07 triliun pada tahun 2020 menjadi Rp4.07 trillion in 2020 to Rp3.82 trillion in 2021. The
Rp3,82 triliun pada tahun 2021. Rincian komponen details of the liabilities are as follows:
liabilitas sebagai berikut:


.01 .02 .03 .04
Liabilitas
2021 2020 2019
Liabilities
Utang Bank
1.967.885 1.743.411 3.622.876
Bank Loans
Biaya yang Masih Harus Dibayar
49.684 40.470 92.563
Accrued Expenses
Utang Pajak
23.689 2.564 39.337
Taxes Payable
Utang Lain-Lain
105.029 100.221 158.307
Others Payable
Liabilitas Sewa
50.978 57.488 -
Lease Liabilities
Utang Obligasi - Neto
1.319.928 1.799.567 2.651.540
Bonds Payable - Net
Liabilitas Imbalan Kerja
100.244 126.636 135.970
Liability for Employee Benefits
Utang Subordinasi
200.000 200.000 200.000
Subordinated Loan
Total Liabilitas
3.817.437 4.070.357 6.900.593
Total Liabilities
Ekuitas Equity
Ekuitas Perseroan mengalami peningkatan sebesar The Company’s equity increased by 9.91% from Rp1.21
9,91% dari Rp1,21 triliun pada tahun 2020 menjadi trillion in 2020 to Rp1.33 trillion in 2021.
Rp1,33 triliun pada tahun 2021.
Laporan Perubahan Ekuitas

2021 2020 2019
Statement of Changes in Equity
Saldo Awal
1.213.345 1.370.577 1.171.661
Initial Balance
Penyesuaian Saldo Awal atas Penerapan PSAK 71
Adjustment of the Opening Balance on the Implementation of - (153.377) -
SFAS 71
Keuntungan Aktuarial - Neto Setelah Pajak
9.692 16.752 3.652
Actuarial Gain - Net of Tax
Dividen
- (77.985) (64.407)
Dividend
Total Laba Tahun Berjalan
110.610 57.378 259.671
Total Income for the Year
Saldo Akhir
1.333.647 1.213.345 1.370.577
Final Balance

.05 .06 .07
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF STATEMENT OF PROFIT OR LOSS AND OTHER
LAIN COMPREHENSIVE INCOME
Pendapatan Revenues
Perseroan membukukan pendapatan sebesar Rp1,57 The Company posted revenue of Rp1.57 trillion, a
triliun, turun sebesar 21,48% dari tahun 2020 sebesar decrease of 21.48% from Rp2.00 trillion in 2020. This
Rp2,00 triliun. Penurunan ini disebabkan realisasi yang decrease was due to lower realization of consumer
lebih rendah dari pembiayaan konsumen menjadi financing to Rp1.24 trillion in 2021 compared to Rp1.59
sebesar Rp1,24 triliun di tahun 2021 dibanding tahun trillion in 2020.
2020 sebesar Rp1,59 triliun.
Pendapatan
2021 2020 2019
Revenues
Pembiayaan Konsumen, Modal Usaha dan Sewa

Pembiayaan - Neto 1.241.703 1.588.206 2.073.049
Consumer Financing, Capital Financing and Finance Lease - Net
Bunga
8.310 33.406 35.625
Interest
Administrasi
83.750 73.467 175.357
Administration
Lain-Lain
237.220 305.771 359.656
Others
Total Pendapatan
1.570.983 2.000.850 2.643.687
Total Revenues
Beban Expenses
Perseroan mencatatkan penurunan beban sebesar The Company recorded a decrease in expenses by
25,76% dari Rp1,91 trilun pada tahun 2020 menjadi 25.76% from Rp1.91 trillion in 2020 to Rp1.42 trillion
Rp1,42 triliun di tahun 2021. Penurunan beban in 2021. The decrease in expenses was mainly due to a
terutama disebabkan menurunnya biaya pendanaan decline in financing costs and financing charges from
dan keuangan pada tahun 2021 menjadi sebesar Rp522 billion in 2020 to Rp296 billion in 2021.
Rp296 miliar dibandingkan pada tahun 2020 sebesar
Rp522 miliar.
Beban
2021 2020 2019
Expenses
Umum dan Administrasi

501.731 568.520 736.503
General and Administrative
Gaji dan Tunjangan
307.953 344.523 440.393
Salaries and Benefits
Pendanaan dan Keuangan
295.982 521.701 638.807
Financing Costs and Financing Charges
Pembentukan Cadangan Kerugian Penurunan Nilai
208.967 374.176 404.929
Provision for Impairment Losses

.01 .02 .03 .04
Beban
2021 2020 2019
Expenses
Penyusutan
70.708 78.491 44.929
Depreciation
Lain-Lain
30.398 19.484 7.060
Others
Total Beban
1.415.739 1.906.895 2.272.621
Total Expenses
Laba Tahun Berjalan, Laba Komprehensif dan Laba Per Income for the Year, Comprehensive Income and Basic
Saham Dasar Earnings Per Share
Laba tahun berjalan pada tahun 2021 sebesar Rp110,61 Income for the year in 2021 was Rp110.61 billion, an
miliar, meningkat 92,77% dari tahun 2020 Rp57,38 increase of 92.77% from Rp57.38 billion in 2020. The
miliar. Peningkatan laba tahun berjalan ini disebabkan increase in income for the year was due to a reduction
karena menurunnya beban Perseroan. Sementara laba in the Company’s expenses. Meanwhile, comprehensive
komprehensif sebesar Rp120,30 miliar pada tahun income in 2021 was Rp120.30 billion, an increase of
2021, naik 62,29% dari tahun 2020 sebesar Rp74,13 62.29% from Rp74.13 billion in 2020. The increase in
miliar. Peningkatan laba tahun berjalan berdampak income for the year resulted in an increase in basic
terhadap kenaikan laba per saham dasar menjadi earnings per share to Rp31.77 in 2021 compared to
sebesar Rp31,77 pada tahun 2021 dibanding tahun Rp16.48 in previous year.
sebelumnya Rp16,48.
Laba
2021 2020 2019
Profits
Laba Tahun Berjalan

110.610 57.378 259.671
Income for the Year
Laba Komprehensif Tahun Berjalan
120.302 74.130 263.323
Comprehensive Income for the Year
Laba Per Saham Dasar ( Dinyatakan Dalam Nilai Rupiah Penuh)
31,77 16,48 74,59
Basic Earnings Per Share (Expressed In Full Rupiah Amount)
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS

Arus Kas
2021 2020 2019
Cash flow
Arus Kas Bersih Dari Aktivitas Operasional

131.660 2.749.348 331.406
Net Cash Flow From Operating Activities
Arus Kas Bersih Dari Aktivitas Investasi
(46.206) (38.166) (40,376)
Net Cash Flow From Investing Activities
Arus Kas Bersih Dari Aktivitas Pendanaan
(271.496) (2,826,705) (783,045)
Net Cash Flow From Financing Activities
Arus Kas Bersih
(186.042) (115.523) (492,015)
Net Cash Flow

.05 .06 .07
Arus Kas Bersih Dari Aktivitas Operasional Cash Flow From Operating Activities
Perseroan mendapatkan arus kas bersih yang diperoleh The Company obtained net cash flow from operating
dari aktivitas operasional sebesar Rp131,66 miliar activities of Rp131.66 billion in 2021, a 95.21% decrease
di tahun 2021, menurun sebesar 95,21% dibanding compared Rp2.75 trillion in 2020. This was due to a
tahun 2020 sebesar Rp2,75 triliun. Hal ini disebabkan decrease in cash receipts in 2021 compared to 2020.
menurunnya penerimaan kas tahun 2021 dibandingkan
tahun 2020.
Arus Kas Bersih Dari Aktivitas Investasi Cash Flow From Investing Activities
Arus kas bersih untuk aktivitas investasi tercatat Net cash flow for investing activities was recorded at
sebesar Rp46,21 miliar di tahun 2021, meningkat Rp46.21 billion in 2021, an increase of 21.07% compared
21,07% dibanding tahun 2020 sebesar Rp38,17 miliar. to Rp38.17 billion in 2020. This increase was due to the
Peningkatan ini disebabkan oleh meningkatnya increase in the acquisition of property and equipment
perolehan aset tetap dan aset tidak berwujud. and intangible assets.
Arus Kas Bersih Dari Aktivitas Pendanaan Net Cash Flow From Funding Activities
Pada tahun 2021, arus kas bersih untuk aktivitas In 2021, net cash flow for funding activities was Rp271.50
pendanaan sebesar Rp271,50 miliar, menurun 90,40% billion, a 90.40% decrease compared to Rp2.83 trillion
dibanding tahun 2020 sebesar Rp2,83 triliun. Penurunan in 2020. This decrease was due to a decline in cash used
ini disebabkan oleh berkurangnya uang kas yang to pay off the Company’s bank loans and bonds payable
digunakan untuk pelunasan utang bank dan utang in 2021 compared to 2020.
obligasi Perseroan pada tahun 2021 dibandingkan
pada tahun 2020.
KEMAMPUAN MEMBAYAR UTANG DAN TINGKAT ABILITY TO PAY DEBT AND COLLECTIBILITY LEVEL OF
KOLEKTIBILITAS PIUTANG RECEIVABLES
Perseroan memastikan dapat membayar seluruh The Company ensures that it can pay all of its
kewajibannya dengan memperkuat permodalan dan obligations by strengthening its capital and increasing
meningkatkan laba. Perseroan juga terus berupaya profits. The Company also continues to strive to
untuk mempercepat waktu perputaran piutang untuk accelerate the receivables turnaround time to maintain
menjaga likuiditas Perseroan pada level yang memadai. the Company’s liquidity at an adequate level. The level
Tingkat kemampuan membayar utang Perseroan of the Company’s ability to pay debts can be measured
dapat diukur dari rasio solvabilitas dan kolektibilitas. from the solvency and collectibility ratios. Meanwhile,
Sementara kemampuan Perseroan untuk menghasilkan the Company’s ability to generate profits is measured
laba diukur dengan rasio rentabilitas. by the profitability ratio.
Rasio Solvabilitas Solvency Ratio

Perseroan menggunakan rasio solvabilitas untuk The Company uses a solvency ratio to measure its ability
mengukur kemampuan dalam memenuhi kewajiban, to meet obligations, both for the short-term and long-
baik jangka pendek maupun jangka panjang. Rasio term. This solvency ratio can be measured by using
solvabilitas dapat diukur dengan menggunakan the ratio of liabilities to total assets and the ratio of
perbandingan liabilitas terhadap total aset dan liabilities to equity.
perbandingan liabilitas terhadap ekuitas.

.01 .02 .03 .04
Rasio Liabilitas Terhadap Total Aset Liabilities to Total Assets Ratio
Rasio
2021 2020 2019
Ratio
Liabilitas terhadap total aset

74,11% 77,04% 83,43%
Liabilities to total assets
Rasio Liabilitas Terhadap Ekuitas Liabilitie to Equity Ratio
Rasio
2021 2020 2019
Ratio
Liabilitas terhadap Ekuitas

286,24% 335,47% 503,48%
Liability to Equity
Dari rasio liabilitas terhadap aset dan rasio liabilitas From the ratio of liabilities to assets and the ratio of
terhadap ekuitas di tahun 2021, terlihat rasionya liabilities to equity in 2021, it can be seen that the ratios
menurun dibanding tahun sebelumnya dikarenakan experienced a decrease compared to the previous year
berkurangnya liabilitas Perseroan. Sehingga rasio due to the Company’s reduced liabilities. As such, the
solvabilitas Perseroan cukup sehat dan karena itu Company’s solvency ratio is quite healthy and it can be
Perseroan memiliki kemampuan yang cukup untuk said that the Company has sufficient ability to pay its
membayar utang. debts.
Rasio Rentabilitas Profitability Ratio

Rasio Rentabilitas Perseroan dapat dilihat dari imbal The Company’s Profitability Ratio can be seen from the
hasil rata-rata aset dan imbal hasil rata-rata ekuitas, average return on assets and the average return on
sebagai berikut: equity, the details of which are as follows:
Rasio Rentabilitas Profitability Ratio
Rasio
2021 2020 2019
Ratio
Imbal hasil rata-rata aset

3,19% 1,27% 4,39%
Average return on assets
Imbal Hasil rata-rata ekuitas
8,74% 4,67% 21,09%
Average return on equity
Dari rasio rentabilitas, terlihat bahwa pada tahun 2021 From the profitability ratio, it can be seen that in 2021
kemampuan Perseroan untuk menghasilkan laba lebih the Company’s ability to generate profits was greater
besar dibanding tahun sebelumnya. than that of the previous year.

.05 .06 .07
Tingkat Kolektibilitas Piutang Collectibility of Receivables

Kolektibilitas piutang merupakan kemampuan The collectibility of receivables refers to the Company’s
Perseroan untuk menagih piutangnya kepada pihak ability to collect receivables from other parties. The
lain. Tingkat kolektibilitas piutang Perseroan adalah collectibility level of the Company’s receivables is as

Kolektibilitas Piutang Collectible Receivables
Uraian
2021 2020 2019
Description
Tunggakan 1-90 hari

10,99% 21,17% 17,11%
1 to 90 day arrears
Tunggakan lebih dari 91 hari
1,43% 2,78% 2,00%
More than 91 days for arrears

Analisa Analysis
Perseroan telah melakukan monitoring dan penanganan The Company has carried out monitoring and handling
akun-akun eks restrukturisasi pandemi yang dilakukan on ex-pandemic restructurization accounts properly. In
dengan baik dan maksimal. Selain itu, Perseroan juga addition, the Company is also selectively distrubuting
selektif dalam menyalurkan pembiayaan baru dengan new financing wuth proper credit analysis.
analisis kredit yang proper.
STRUKTUR MODAL DAN KEBIJAKAN MANAJEMEN ATAS CAPITAL STRUCTURE AND CAPITAL STRUCTURE
STRUKTUR MODAL MANAGEMENT POLICY
Perseroan memiliki struktur modal sampai dengan The Company’s capital structure as of December 31,
31 Desember 2021, dengan rincian pemegang saham 2021, with details of the Company’s shareholders
Perseroan dengan saham dari nilai nominal Rp100 per owning shares of a nominal value of Rp100 per share,
saham adalah sebagai berikut: is as follows:
Uraian Jumlah Prosentase

Description Amount Percentage (%)
PT Bank Maybank Indonesia Tbk 2.349.646.729 67,49%

PT Wahana Makmur Sejati 870.600.000 25,01%
Masyarakat umum (masing-masing dibawah 5%)
261.234.751 7,50%
General public (under 5% each)
Jumlah
3.481.481.480 100,00%
Total
Gearing ratio pada tanggal 31 Desember 2021 dan The gearing ratio as of December 31, 2021 and 2020
2020 yang dihitung berdasarkan POJK Nomor 35/ hilangin (based on FSA Regulation Number 35/
POJK.05/2018 tanggal 27 Desember 2018 adalah POJK.05/2018 dated December 27, 2018) is as follows:
sebagai berikut:

.01 .02 .03 .04
Rasio 31 Desember 2021 31 Desember 2020 31 Desember 2019

Ratio December 31, 2021 December 31, 2020 December 31, 2019
Pinjaman
3.487.813 3.742.978 6.474.416
Borrowing
Ekuitas
1.333.647 1.213.345 1.370.577
Equity
Utang Subordinasi
174.074 174.074 174.074
Subordinated Loan
Gearing ratio 2,3 kali lipat 2,7 kali lipat 4,2 kali lipat
Analisa Analysis
Berdasarkan tabel diatas, jumlah gearing ratio Based on the aforementioned table, the Company’s total
Perseroan pada tahun 2021 dan 2020 masing-masing gearing ratio in 2021 and 2020 was 2.3 times and 2.7
sebesar 2,3 kali lipat dan 2,7 kali lipat telah sesuai times, respectively, in accordance with the provisions of
dengan ketentuan POJK Nomor 35/POJK.05/2018 yang POJK Number 35/POJK.05/2018 which allows a maximum
memperbolehkan gearing ratio maksimal sebesar gearing ratio of 10 (ten) times. The decline in the gearing
10 (sepuluh) kali lipat. Penurunan gearing ratio di tahun ratio in 2021 also showed the Company’s improving
2021 juga menunjukkan kemampuan modal Perseroan capital capacity.
semakin baik.
Kebijakan Atas Struktur Modal Capital Structure Policy

Dalam menentukan kebijakan permodalan Perseroan In determining its capital policy, the Company has taken
memerhatikan asumsi pertumbuhan ekonomi makro, into account macroeconomic growth assumptions,
perkembangan industri pembiayaan dan rencana developments in the financing industry and its own
bisnis. Pengelolaan modal Perseroan didasarkan pada business plan. The Company’s capital management
Undang-undang Perseroan Terbatas Nomor 40 Tahun has been based on the Limited Liability Company Law
2007 untuk menyisihkan dan mempertahankan suatu Number 40 of 2007 for setting aside and maintaining
dana cadangan yang tidak boleh didistribusikan sampai a reserve fund that may not be distributed until the
dana cadangan tersebut mencapai 20% dari modal reserve fund reaches 20% of the issued share capital
saham diterbitkan dan dibayar penuh. Perseroan terus and is fully paid. The Company continued to strive
berupaya menambah cadangan ini sampai mencapai to increase this reserve until it reached the amount
jumlah yang diatur oleh regulasi. regulated by regulation.
Untuk memelihara dan menyesuaikan struktur To maintain and adjust its capital structure, the Company
permodalan, Perseroan dapat menyesuaikan may adjust dividend payments to shareholders, issue
pembayaran dividen kepada pemegang saham, new shares or seek funding through bank loan schemes
menerbitkan saham baru atau mengusahakan or bond issuance. The Company ensures that there
pendanaan melalui skema pinjaman perbankan were no changes to the objectives, policies or processes
maupun penerbitan obligasi. Perseroan memastikan throughout the reporting year.
tidak ada perubahan atas tujuan, kebijakan maupun
proses selama tahun berjalan.
Kebijakan struktur permodalan Perseroan adalah The Company’s capital structure policy has been to
mempertahankan struktur yang sehat untuk maintain a sound structure to secure access to funding
mengamankan akses terhadap pendanaan pada biaya at a reasonable cost. In managing capital, the Company
yang wajar. Dalam mengelola permodalan, Perseroan conducted monthly analyses to ensure that the

.05 .06 .07
melakukan analisa secara bulanan untuk memastikan Company continued to follow FSA Regulation Number
bahwa Perseroan tetap mengikuti POJK Nomor 35/ 35/POJK.05/2018 dated 27 December 2018 concerning
POJK.05/2018 tanggal 27 Desember 2018 tentang the Implementation of Financing Company Businesses,
Penyelenggaraan Usaha Perusahaan Pembiayaan yang which among others regulates the following provisions:
diantaranya mengatur ketentuan sebagai berikut:
1. Ekuitas Perusahaan minimum sebesar Rp100 miliar; 1. Minimum Company equity of Rp100 billion;
2. Rasio ekuitas Perusahaan terhadap modal disetor 2. The ratio of the Company’s equity to paid-in capital
paling rendah sebesar 50%; is at least 50%;
3. Rasio permodalan Perusahaan minimum sebesar 10%; 3. The minimum capital ratio of the Company is 10%;
4. Jumlah pinjaman yang dimiliki Perusahaan 4. The number of loans owned by the Company
dibandingkan modal sendiri dan utang subordinasi compared to its own capital and subordinated debt
dikurangi penyertaan (gearing ratio) ditetapkan minus the gearing ratio is set at a minimum of 0
serendah-rendahnya 0 (nol) dan setinggi-tingginya (zero) and a maximum of 10 times, both for foreign
10 kali, baik untuk pinjaman luar negeri maupun and domestic loans.
dalam negeri.
IKATAN MATERIAL UNTUK PEROLEHAN BARANG MODAL MATERIAL BONDING FOR CAPITAL GOODS ACQUISITION
Selama tahun 2021, Perseroan tidak melakukan ikatan Throughout 2021, the Company did not make material
material untuk perolehan barang modal. commitments for the acquisition of capital goods.
INVESTASI BARANG MODAL YANG DIREALISASIKAN PADA CAPITAL GOODS INVESTMENT REALIZED IN FISCAL YEAR
TAHUN BUKU 2021 2021
Perseroan melakukan investasi barang modal dengan tujuan The Company invested in capital goods with the aim of
untuk mendukung kelancaran operasional Perseroan. supporting the smooth operation of the Company. The
Sumber dana yang digunakan untuk melakukan investasi source of funds used to invest in capital goods came
barang modal berasal dari modal milik perusahaan. Rincian from the company’s own capital. Details regarding
mengenai investasi barang modal di tahun 2021 dapat investment in capital goods throughout 2021 can be
dilihat dalam tabel di bawah ini: seen in the table below:
Uraian
2021 2020
Description
Renovasi Kantor
8.797 4.958
Office Renovation
Kendaraan
4.162 966
Vehicle
Peralatan Kantor
16.228 14.024
Office Equipment
Perabot Kantor
430 422
Office Furniture
Jumlah
29.617 20.370
Total

.01 .02 .03 .04
Analisa Analysis
Selama tahun 2021, jumlah investasi barang modal During 2021, the Company’s total capital investment
yang direalisasikan Perseroan sebesar Rp29,6 miliar, was Rp29.6 billion, an increase compared to Rp20.4
naik dibandingkan tahun 2020 sebesar Rp20,4 miliar. billion in 2020.
TARGET DAN REALISASI TAHUN 2021 TARGETS AND REALIZATION IN 2021
Uraian Realisasi Pencapaian

Target
Description Realization Accomplishment (%)
Aset
5.183.984 5.151.084 99,37%
Asset
Ekuitas
1.253.606 1.333.647 106,38%
Equity
Pendapatan
1.615.210 1.570.983 97,26%
Revenues
Laba Tahun Berjalan
89.297 110.610 123,87%
Income for the Year
TARGET TAHUN 2022 TARGET IN 2022
Sejalan dengan kondisi penjualan sepeda motor yang In line with motorcycle sales conditions that are
diprediksi meningkat pada tahun 2022, Perseroan predicted to increase in 2022, the Company is optimistic
optimis dapat meningkatkan kinerjanya. Pada tahun that it can improve its performance. In 2022, the
2022, Perseroan menargetkan pembiayaan sebesar Company is targeting the financing of 302 thousand
302 ribu unit, naik 41,98% dari tahun 2021. Sementara units, an increase of 41.98% from 2021. Meanwhile, the
untuk target kinerja keuangan di tahun 2022 adalah Company’s financial performance targets in 2022 are as
Uraian Realisasi 2021 Target 2022 Pertumbuhan

Description Realization in 2021 Target in 2022 Growth (%)
Aset
5.151.084 5.660.052 9,88%
Asset
Ekuitas
1.333.647 1.422.721 6,68%
Equity
Pendapatan
1.570.983 1.695.359 7,92%
Revenues
Laba Tahun Berjalan
110.610 124.213 12,30%
Income for the Year

.05 .06 .07
PERISTIWA SETELAH TANGGAL PELAPORAN EVENTS AFTER REPORTING DATE
Pada tanggal 18 Oktober 2021, Perusahaan On October 18, 2021, the Company received Change
menerima Surat Perintah Pemeriksaan Perubahan Examination Instruction Letter Number PRIN-P-7/
Nomor PRIN-P-7/WPJ.19/2021. Pada tanggal 11 Januari WPJ.19/2021. On January 11, 2022, the Company received
2022, Perusahaan menerima Surat Ketetapan Pajak Tax Assessment Letters for fiscal year 2017. Based on
(”SKP”) untuk tahun fiskal 2017. Berdasarkan SKP Tax Assessment Letters, the Tax Office confirmed the
tersebut, Kantor Pajak menetapkan kurang bayar underpayment of Income Tax Article 21 of Rp177
atas Pajak Penghasilan Pasal 21 (”PPh Pasal 21”) million, Withholding Tax Articles 23/26 of Rp436 million,
sebesar Rp177 juta, Pajak Penghasilan Pasal 23/26 (”PPh Withholding Tax Articles 4,2 of Rp8 million, Value Added
Pasal 23/26”) sebesar Rp436 juta, Pajak Penghasilan Pasal Tax of Rp635 million and Corporate Income Tax of
4.2 (”PPh Pasal 4.2”) sebesar Rp8 juta, Pajak Pertambahan Rp44,658 million. On February 9, 2022, the Company
Nilai (”PPN”) sebesar Rp635 juta dan Pajak Penghasilan has fully paid those tax underpayments.
Badan sebesar Rp44.658 juta. Pada tanggal 9 Februari
2022, Perusahaan sudah membayar seluruh kurang
bayar pajak tersebut.
Perseroan menyelenggarakan Rapat Umum Pemegang The Company held an Extraordinary General Meeting of
Saham Luar Biasa (RUPSLB) pada 13 Januari 2022 Shareholders (EGMS) on January 13, 2022 with the agenda
dengan agenda perubahan susunan Direksi. of changing the composition of the Board of Directors.
PROSPEK USAHA BUSINESS PROSPECTS
IMF memproyeksikan pertumbuhan ekonomi Indonesia The IMF has projected Indonesia’s economic growth
pada tahun 2022 di level 5,6%, atau lebih tinggi dari in 2022 to be at 5.6%, or higher than what it was in
tahun 2021. Pemerintah menargetkan pertumbuhan 2021. The government is targeting economic growth
ekonomi tahun 2022 sebesar 4,7%-5,5%, inflasi sebesar in 2022 to between 4.7% and 5.5%, for inflation to
3%-4% dan nilai tukar rupiah sebesar Rp14.350/US$. be between 3% and 4% and for the rupiah exchange
Optimisme perekonomian didasarkan pada penyebaran rate to be at Rp. 14,350/US$. This economic optimism
virus Covid-19 yang semakin terkendali karena cakupan is based on the increasingly controlled spread of the
vaksinasi yang semakin meluas dan dijalankannya Covid-19 virus due to wider vaccination coverage and
protokol kesehatan secara ketat. strict implementation of health protocols.
Sejalan dengan perekonomian yang semakin pulih, In line with the recovering economy, the Indonesian
Asosiasi Industri Sepeda Motor Indonesia (AISI) Motorcycle Industry Association is also targeting
menargetkan penjualan sepeda motor di tahun 2022 motorcycle sales in 2022 to grow even higher to 5.4
tumbuh lebih tinggi menjadi 5,4 juta unit, naik 5,9% million units, up 5.9% from 5.1 million units in 2021.
dari realisasi tahun 2021 sebanyak 5,1 juta unit.
Peningkatan pasar sepeda motor akan berdampak This increase in the motorcycle market will have a
baik terhadap bisnis Perseroan karena sebagian besar positive impact on the Company’s business as most of
pembiayaan disalurkan untuk membiayai kepemilikan its financing is channeled to finance the ownership of
sepeda motor bekas maupun baru. used and new motorcycles.

.01 .02 .03 .04
Sementara penjualan mobil di tahun 2022, menurut Meanwhile, car sales in 2022, according to data from
data Gabungan Industri Kendaraan Bermotor Indonesia the Association of Indonesian Automotive Industries,
(Gaikindo), diprediksi akan mencapai 900 ribu unit, are predicted to reach 900 thousand units, up from
naik dari realisasi tahun 2021 sebesar 887.200 unit. 887,200 units in 2021.
Untuk piutang pembiayaan pada tahun 2022, For financing receivables in 2022, the Association of
Asosiasi Perusahaan Pembiayaan Indonesia (APPI) Indonesian Financing Companies has estimated that
memperkirakan realisasinya dapat tumbuh sebesar 3% financing receivable numbers can grow by 3% from
dari tahun 2021. Pertumbuhan moderat ini disesuaikan 2021. This moderate growth has been adjusted to the
dengan proyeksi pasar kendaraan bermotor yang projections of the motor vehicle market, which have
belum tumbuh terlalu tinggi. not grown too high.
Momentum pemulihan ekonomi dan industri The ongoing momentum of economic recovery, as well
pembiayaan yang diproyeksikan terus berlanjut pada as the financing industry’s projected continued growth
tahun 2022 memberi ruang pertumbuhan yang lebih in 2022, can both provide room for better growth for
baik bagi usaha Perseroan. Untuk itu, Perseroan the Company’s business. For this reason, the Company
akan terus melanjutkan transformasi digital dan will continue to carry out digital transformations and
meningkatkan pembiayaan multiguna dengan tetap increase its multipurpose financing while still paying
memerhatikan kualitas pembiayaan. attention to its quality of financing.
DIVIDEN DAN KEBIJAKAN DIVIDEN DIVIDENDS AND DIVIDEND POLICY
Pembagian dividen kepada pemegang saham Perseroan The distribution of dividends to the Company’s
diakui sebagai suatu liabilitas dalam laporan keuangan shareholders is recognized as a liability in the financial
pada periode ketika dividen tersebut diumumkan dan statements in the period when the dividends are
disetujui oleh para pemegang saham. declared and approved by the shareholders.
Kebijakan Dividen Dividend Policy

Dalam menentukan kebijakan pembagian dividen In determining its dividend distribution policy, the
Perseroan didasarkan pada ketentuan peraturan yang Company uses as its basis prevailing regulations in
berlaku di Indonesia dan disetujui oleh pemegang Indonesia and has its actions approved by its shareholders
saham melalui Rapat Umum Pemegang Saham, atas through the General Meeting of Shareholders, on
rekomendasi dari Dewan Komisaris dan Direksi. the recommendation of the Board of Commissioners
Rapat Umum Pemegang Saham memiliki hak untuk and the Board of Directors. The General Meeting of
memutuskan hasil dari penggunaan laba bersih setelah Shareholders has the right to decide on the results
dikurangi dengan penyisihan untuk dana cadangan, of the use of net income after deducting provisions
yang hanya akan dibagikan kepada para pemegang for reserve funds, which will only be distributed to
saham dalam bentuk dividen apabila Perseroan memiliki shareholders in the form of dividends if the Company
saldo laba positif. Namun jika diperlukan Perseroan has positive retained earnings. However, if necessary,
dapat memutuskan untuk tidak mendistribusikan the Company may decide not to distribute dividends.
dividen.
Berdasarkan Rapat Umum Pemegang Saham Tahunan Based on the Annual General Meeting of Shareholders
yang diselenggarakan pada 30 Maret 2021, Perseroan held on March 30, 2021, the Company decided not
menetapkan tidak membagikan dividen karena to distribute dividends because the profits for the
laba untuk Tahun Buku 2020 digunakan untuk dana 2020 Fiscal Year were used for general reserve funds
cadangan umum dan sebagian dialokasikan sebagai and parts of it were allocated as retained earnings to
laba ditahan untuk memperkuat modal Perseroan. strengthen the Company’s capital.


.05 .06 .07
Rasio Pembayaran Dividen per

Tahun Tanggal
Dividen Tunai Laba Bersih Dividen Lembar Saham
Buku Pembayaran
Cash Dividends Net Profit (Rp) Dividend Payout Dividends per
Fiscal year Payment date
Ratio Share (Rp)
Tidak membagikan dividen

2016 Dividends were not 60.303.211.828 - - -
distributed.
Membagikan dividen
2017 180.665.054.007 30% 15,5 18 April 2018
Dividends were distributed
Membagikan dividen
2018 215.182.342.933 30% 18,5 12 April 2019
Membagikan dividen
2019 259.671.309.984 30% 22,4 12 Maret 2020
Tidak membagikan dividen
2020 Dividends were not 57.378.437.576 - - -
distributed.
REALISASI PENGGUNAAN DANA HASIL PENAWARAN THE USE OF PUBLIC OFFERING FUNDS
UMUM
Pada tahun 2021, Perseroan menerbitkan Obligasi In 2021, the Company issued Shelf Registration Bond
Berkelanjutan IV Tahap I Seri A dan Seri B dengan IV Phase I Series A and Series B, with a value of Rp500
nilai sebesar Rp500 miliar untuk memperkuat modal billion for strengthening the company’s working
kerja perusahaan. Realisasi penggunaan dana hasil capital. The realization of the use of proceeds from this
penawaran umum yang jatuh tempo di tahun 2021 dan public offering that matured in 2021 and matured after
jatuh tempo setelah tahun 2021 (outstanding) sebagai 2021 (outstanding) is as follows:
berikut:
Realisasi Hasil Penawaran Realisasi Penggunaan Dana

Jenis Realization of Offering Result Realization of Use of Funds
Tanggal Tanggal
Penawaran Sisa Dana
Efektif Jatuh
Umum Remaining
Effective Tempo Jumlah
Type of Public Hasil bersih Modal kerja Deposito Funds
Date Due Date Penawaran Umum Total
Offering Net Result Working Capital Deposit
Total Public Offering
Penawaran
Umum
Berkelanjutan
II Obligasi
WOM Finance 16 Juni 06 April
Tahun 2018 - 2016 2021
Tahap IV 793.000.000.000 790.698.680.930 790.698.680.930 - - -
June 16, April 06,
Shelf Public 2016 2021
Offering of
WOM Finance
Bonds II 2018 -
Phase IV

.01 .02 .03 .04

Tanggal Tanggal
Penawaran Sisa Dana
Efektif Jatuh
Umum Remaining
Penawaran
Umum
Berkelanjutan
II Obligasi
WOM Finance 16 Juni 08 Juni
Tahun 2018 - 2016 2021
Tahap V 360.500.000.000 359.280.655.030 359.280.655.030 - - -
June 16, June 08,
Offering of
WOM Finance
Bonds II 2018 -
Phase V
Penawaran
Umum
Berkelanjutan
III Obligasi
WOM Finance 14 20
Tahun 2018 - Desember Desember
Tahap I 2018 2021 570.500.000.000 566.912.835.286 566.912.835.286 - - -
Shelf Public December December
Offering of 14, 2018 20, 2021
WOM Finance
Bonds III 2018 -
Phase I
Penawaran
Umum
Berkelanjutan
III Obligasi
WOM Finance 14
29 Mei
Tahun 2019 - Desember
2022
Tahap II 2018 1.675.000.000.000 1.670.560.700.258 1.670.560.700.258 - - -
May 29,
Shelf Public December
2022
Offering of 14, 2018
WOM Finance
Bonds III 2019 -
Phase II
Penawaran
Umum
Berkelanjutan
III Obligasi
WOM Finance 14
28 Mei
Tahun 2020 - Desember
2023
Tahap III 2018 260.300.000.000 259.166.216.609 259.166.216.609 - - -
May 28,
Shelf Public December
2023
Offering of 14, 2018
WOM Finance
Bonds III 2020 -
Phase III

.05 .06 .07

Tanggal Tanggal
Penawaran Sisa Dana
Efektif Jatuh
Umum Remaining
Penawaran
Umum
Berkelanjutan
III Obligasi
WOM Finance 14 10
Tahun 2020 - Desember September
Tahap IV 2018 2023 500.000.000.000 498.528.864.238 498.528.864.238 - - -
Shelf Public December September
Offering of 14, 2018 10, 2023
WOM Finance
Bonds III 2020 -
Phase IV
Penawaran
Umum
Berkelanjutan
IV Obligasi
WOM Finance 16 Juli 28 Juli
Tahun 2021 - 2021 2024
Tahap I 500.000.000.000 496.518.680.640 496.518.680.640 - - -
July 16, July 28,
Offering of
WOM Finance
Bonds IV 2021
- Phase I
INFORMASI MATERIAL MENGENAI INVESTASI, EKSPANSI, MATERIAL INFORMATION REGARDING INVESTMENT,

DIVESTASI, PENGGABUNGAN/PELEBURAN USAHA, EXPANSION, DIVESTMENT, MERGER/BUSINESS
AKUISISI ATAU RESTRUKTURISASI UTANG/MODAL CONSOLIDATION, ACQUISITION OR DEBT/CAPITAL
RESTRUCTURING
Selama tahun 2021, Perseroan tidak melakukan Throughout 2021, the Company did not carry out
tambahan kegiatan investasi, ekspansi, divestasi, additional investment, expansion, divestment,
akuisisi atau restrukturisasi utang yang material. acquisition or material debt restructuring activities.
PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN DAN EMPLOYEE AND MANAGEMENT SHARE OWNERSHIP
MANAJEMEN (ESOP/ MSOP) PROGRAM (ESOP/MSOP)
Sampai dengan 31 Desember 2021, Perseroan tidak As of December 31, 2021, the Company did not
memiliki program kepemilikan saham oleh karyawan have a share ownership program for employees and
dan manajemen. management.

.01 .02 .03 .04
INFORMASI TRANSAKSI MATERIAL YANG MENGANDUNG MATERIAL TRANSACTION INFORMATION CONTAINING

BENTURAN KEPENTINGAN DAN TRANSAKSI DENGAN CONFLICTS OF INTEREST AND TRANSACTIONS WITH
PIHAK AFILIASI AFFILIATED PARTIES
Sepanjang tahun 2021, tidak ada transaksi material Throughout 2021, there were no material transactions
yang mengandung benturan kepentingan yang containing conflicts of interest by the Company.
dilakukan oleh Perseroan.
Dalam kegiatan usaha normal, Perusahaan melakukan In its normal business activities, the Company conducts
transaksi dengan pihak-pihak berelasi. Pihak-pihak transactions with related parties. The related parties
berelasi dan sifat hubungan adalah sebagai berikut: and the nature of the relationship are as follows:
Kebijakan Pemenuhan
Alasan Perusahaan Peraturan dan
Nama Pihak Kewajaran
Sifat Hubungan Dilakukan Terkait Mekanisme Ketentuan
Transaksi Berelasi Transaksi
No. Type of Transaksi Transaksi Terkait
Transaction Name of Fairness of
Relationship Reason of Company Policy Fulfillment of
Related Party Transaction
Transaction Regarding Transaction Relevant Rules
Mechanism and Conditions
Rekening
giro, deposito,
utang obligasi, Perseroan telah
perjanjian mencantumkan
kerjasama Perseroan telah transaksi afiliasi
pembiayaan, memiliki kebijakan dengan BMI
utang internal mengenai pada prospektus
subordinasi, transaksi afiliasi aksi korporasi
pendapatan yaitu pada SKb Perseroan
Secara
bunga, Menunjang Nomor 032/SKb/ dan Laporan
praktik
penyaluran kegiatan LEG/16 tanggal Keuangan
Pemegang saham bisnis,
kredit, fee usaha 16 November 2016 triwulanan
pengendali transaksi
transaksi PT Bank Perseroan tentang Transaksi dan tahunan
Perseroan ini bersifat
dan beban Maybank Afiliasi Perseroan.
1 wajar.
pendanaan Indonesia Supporting
The Company’s
Tbk (MBI) the The Company has The Company has
controlling In business
Current accounts, Company’s an internal policy included affiliated
shareholder practice,
time deposits, business regarding affiliated transactions
this is a fair
bonds payable, activities transactions, namely in with BMI in
transaction.
financing SKb Number the Company’s
cooperation 032/SKb/LEG/16 corporate action
agreements, dated November 16, prospectus and
subordinated 2016 on Affiliated the Company’s
debt, interest Transactions quarterly and
income, lending, annual Financial
transaction fees Statements.
and funding
expenses

.05 .06 .07
Kebijakan Pemenuhan
Perseroan telah
mencantumkan
Perseroan telah transaksi afiliasi
memiliki kebijakan dengan MIF
internal mengenai pada prospektus
transaksi afiliasi aksi korporasi
yaitu pada SKb Perseroan
Fasilitas Secara
Menunjang Nomor 032/SKb/ dan Laporan
pembiayaan praktik
kegiatan LEG/16 tanggal Keuangan
konsumen atas Hubungan bisnis,
usaha 16 November 2016 triwulanan
pembelian afiliasi dengan transaksi
PT Maybank Perseroan tentang Transaksi dan tahunan
kendaraan Perseroan ini bersifat
Indonesia Afiliasi Perseroan.
2 bermotor wajar.
Finance Tbk Supporting
Affiliated
(MIF) the The Company has The Company has
Consumer relationship with In business
Company’s an internal policy included affiliated
financing facility the Company practice,
business regarding affiliated transactions
for the purchase this is a fair
activities transactions, namely in with MIF in
of motor vehicles transaction.
SKb Number the Company’s
032/SKb/LEG/16 corporate action
dated November 16, prospectus and
2016 on Affiliated the Company’s
Transactions quarterly and
annual Financial
Statements.
Hubungan
afiliasi dengan
Perseroan,
Direktur Utama Perseroan telah
WARI merupakan mencantumkan
Wakil Presiden Perseroan telah transaksi afiliasi
Komisaris memiliki kebijakan dengan WARI
PT Wahana Perseroan, internal mengenai pada prospektus
Ritelindo salah satu transaksi afiliasi aksi korporasi
(WARI) anggota Dewan yaitu pada SKb Perseroan
Secara
selaku Komisaris WARI Menunjang Nomor 032/SKb/ dan Laporan
praktik
Utang dealer, pemberi merupakan salah kegiatan LEG/16 tanggal Keuangan
bisnis,
aset hak-guna sewa, satu anggota usaha 16 November 2016 triwulanan
transaksi
dan beban Perseroan Dewan Komisaris Perseroan tentang Transaksi dan tahunan
ini bersifat
pendanaan selaku Perseroan Afiliasi Perseroan.
3 wajar.
penyewa. Supporting
Dealers payable, Affiliated the The Company has The Company has
In business
building rent and PT Wahana relationship with Company’s an internal policy included affiliated
practice,
funding expenses Ritelindo the Company, business regarding affiliated transactions
this is a fair
(WARI) as the the President activities transactions, namely in with WARI in
transaction.
lessor, the Director of WARI SKb Number the Company’s
Company as is the Company’s 032/SKb/LEG/16 corporate action
the tenant. Vice President dated November 16, prospectus and
Commissioner,one 2016 on Affiliated the Company’s
of WARI Board of Transactions quarterly and
Commissioners annual Financial
members is the Statements.
Company’s Board
of Commissioners
member

.01 .02 .03 .04
Kebijakan Pemenuhan
Perseroan telah
mencantumkan
MKE sebagai
penjamin
pelaksana
Perseroan telah
emisi obligasi
memiliki kebijakan
dan penjamin
internal mengenai
emisi obligasi
transaksi afiliasi
yang termasuk
yaitu pada SKb
Secara sebagai pihak
Menunjang Nomor 032/SKb/
praktik terafiliasi dalam
Perjanjian jasa kegiatan LEG/16 tanggal
Hubungan bisnis, prospektus
penjaminan usaha 16 November 2016
afiliasi dengan transaksi aksi korporasi
emisi obligasi PT Maybank Perseroan tentang Transaksi
Perseroan ini bersifat Perseroan.
Kim Eng Afiliasi
4 wajar.
Bond Sekuritas Supporting
Affiliated The Company
underwriting (MKE) the The Company has
relationship with In business has listed MKE as
service Company’s an internal policy
the Company practice, the implementing
agreement business regarding affiliated
this is a fair underwriter
activities transactions, namely in
transaction. for the bond
SKb Number
issuance and
032/SKb/LEG/16
the underwriter
dated November 16,
for the bond
2016 on Affiliated
issuance which
Transactions
is included as an
affiliated party in
the Company’s
corporate action
prospectus.
Perseroan telah
memiliki kebijakan
Perseroan telah
internal mengenai
mencantumkan
transaksi afiliasi
MBB sebagai
yaitu pada SKb
Secara pihak berelasi
Menunjang Nomor 032/SKb/
praktik dalam Laporan
kegiatan LEG/16 tanggal
Utang obligasi Hubungan bisnis, Keuangan
usaha 16 November 2016
dan kompensasi afiliasi dengan transaksi triwulanan
Malayan Perseroan tentang Transaksi
berbasis saham Perseroan ini bersifat dan tahunan
Banking Afiliasi
5 wajar. Perseroan.
Berhad Supporting
Bonds payable Affiliated
(MBB) the The Company has
and share-based relationship with In business The Company has
Company’s an internal policy
compensation the Company practice, listed MBB as a
business regarding affiliated
this is a fair related party in
activities transactions, namely in
transaction. the Company’s
SKb Number
quarterly and
032/SKb/LEG/16
annual Financial
dated November 16,
Statements.
2016 on Affiliated
Transaction

.05 .06 .07
Kebijakan Pemenuhan
Perseroan telah
mencantumkan
Dewan
Perseroan telah
Komisaris
memiliki kebijakan
dan Direksi
internal mengenai
Perseroan
transaksi afiliasi
sebagai pihak
yaitu pada SKb
Secara berelasi dalam
Dewan Menunjang Nomor 032/SKb/
praktik Laporan
Komisaris kegiatan LEG/16 tanggal
Pinjaman Personil bisnis, Keuangan
dan Direksi usaha 16 November 2016
karyawan, gaji manajemen kunci transaksi triwulanan
Perseroan Perseroan tentang Transaksi
dan tunjangan Perseroan ini bersifat dan tahunan
Afiliasi
6 wajar. Perseroan.
The Company’s Supporting
Employee loans, The Company’s
Board of the The Company has
salaries and key management In business The Company
Commissioners Company’s an internal policy
benefits personnel practice, has listed the
and Board of business regarding affiliated
this is a fair Company’s Board
Directors activities transactions, namely in
transaction. of Commissioners
SKb Number
and Board of
032/SKb/LEG/16
Directors as
dated November 16,
related parties in
2016 on Affiliated
the Company’s
Transactions
quarterly and
annual Financial
Statements.
Perseroan telah
PT Asuransi memiliki kebijakan
Etiqa internal mengenai
Perseroan telah
Internasional transaksi afiliasi
Premi atas mencantumkan
Indonesia yaitu pada SKb
penutupan Secara transaksi afiliasi
(dahulu Menunjang Nomor 032/SKb/
asuransi praktik dengan Etiqa
bernama kegiatan LEG/16 tanggal
kecelakaan Hubungan bisnis, pada prospektus
PT Asuransi usaha 16 November 2016
diri Debitur afiliasi dengan transaksi aksi korporasi
Asoka Mas) Perseroan tentang Transaksi
(personal Perseroan ini bersifat Perseroan.
(Etiqa) Afiliasi
7 accident) wajar.
Supporting
Affiliated The Company has
PT Asuransi the The Company has
Premium for relationship with In business listed affiliated
Etiqa Company’s an internal policy
the closure of the Company practice, transactions
Internasional business regarding affiliated
the debtor’s this is a fair with Etiqa in
Indonesia activities transactions, namely in
personal accident transaction. the Company’s
(formerly SKb Number
insurance corporate action
PT Asuransi 032/SKb/LEG/16
prospectus.
Asoka Mas) dated November 16,
(Etiqa) 2016 on Affiliated
Transactions

.01 .02 .03 .04
PERUBAHAN PERATURAN PERUNDANG-UNDANGAN DI REGULATORY CHANGES IN 2021

TAHUN 2021
Selama tahun 2021, terdapat sejumlah peraturan Throughout 2021, there were several regulatory
perundang-undangan yang mengalami perubahan dan changes and newly ratified regulation by the Regulator
peraturan yang baru disahkan oleh Regulator yang that have impacts on the Company, such as:
berpengaruh terhadap Perseroan, yaitu:
Tanggal Summary Pokok- Dampak terhadap

Peraturan
No Keberlakuan Pokok Pengaturan Perseroan
Regulations
Effective Date Summary of Regulation Points Impact on Company
Ketentuan mengenai Perusahaan Terbuka yang

antara lain mengatur mengenai:
1. Penawaran Umum Efek Bersifat Ekuitas.
Peraturan Otoritas Perseroan sebagai
2. Perubahan Status Perusahaan Terbuka
Jasa Keuangan Perusahaan Terbuka
Menjadi Perseroan yang Tertutup:
(“POJK”) Nomor akan memperhatikan
a. Atas permohonan Perusahaan Terbuka
3/POJK.04/2021 dan tunduk terhadap
(voluntary go private);
Tentang ketentuan ini serta
b. Atas perintah OJK; dan
Penyelenggaraan melaksanakan langkah-
c. Atas permohonan oleh Bursa Efek.
Kegiatan di Bidang langkah yang dibutuhkan
3. Pengendalian dan Direksi dan Anggota
Pasar Modal jika memenuhi kondisi
Dewan Komisaris.
22 Februari 2021 sebagaimana dimaksud
1
Financial Services February 22, 2021 pada POJK tersebut.
Provisions on Public Company which regulates,
Authority Regulation
among others:
(“POJK”) Number The Company as a Public
1. Public Offering of Equity Securities.
3/POJK.04/2021 Company will pay attention
2. Changes in the Status of a Public Company to a
Concerning to and comply with this
Closed Company:
Implementation provision and carry out the
a. On the request of a Public Company (voluntary
of Activities in the necessary steps if it meets
go private);
Capital Market the conditions as referred to
b. On the orders of OJK; and
Sector in the POJK.
c. On the application by the Stock Exchange.
3. Control and Board of Directors and Members of the
Board of Commissioners.

.05 .06 .07

Peraturan
Regulations
1. Lembaga Jasa Keuangan Nonbank (“LJKNB”)

wajib menerapkan manajemen risiko
secara efektif dalam penggunaan teknologi
informasi yang mencakup paling sedikit: 1. Perseroan selaku LJKNB
a. pengawasan aktif direksi dan dewan yang saat ini memiliki
komisaris; total aset lebih dari
b. kecukupan kebijakan dan prosedur Rp1.000.000.000.000,00,
penggunaan teknologi informasi; maka ketentuan POJK
c. kecukupan proses identifikasi, tersebut akan berlaku
pengukuran, pengendalian dan bagi Perseroan pada
pemantauan risiko penggunaan teknologi tanggal 17 Maret 2022,
informasi; dan kecuali untuk ketentuan
d. sistem pengendalian internal atas terkait penempatan
penggunaan teknologi informasi. sistem elektronik
2. Penerapan manajemen risiko dalam pada pusat data dan/
penggunaan teknologi informasi oleh atau pusat pemulihan
LJKNB wajib disesuaikan dengan tujuan, bencana yang mulai
kebijakan usaha, ukuran, dan kompleksitas berlaku bagi Perseroan
POJK Nomor usaha LJKNB. sejak POJK diundangkan
4/POJK.05/ 3. LJKNB yang memiliki total aset lebih dari (17 Maret 2021).
2021 Tentang Rp1.000.000.000.000,00 (satu triliun rupiah) 2. Perseroan akan atau
Penerapan wajib memiliki komite pengarah teknologi sedang berupaya
Manajemen informasi, yang beranggotakan paling melakukan langkah-
Risiko dalam sedikit: langkah yang
2 17 Maret 2021
Penggunaan a. direktur yang membawahkan satuan diperlukan untuk
Teknologi kerja penyelenggara teknologi informasi; memenuhi ketentuan
Informasi oleh b. direktur atau pejabat yang POJK tersebut antara
Lembaga Jasa membawahkan fungsi manajemen risiko; lain dalam bentuk:
Keuangan c. pejabat tertinggi yang membawahkan a. penyesuaian
NonBank satuan kerja penyelenggara teknologi terhadap kebijakan,
informasi; dan prosedur Perseroan
d. pejabat tertinggi yang membawahkan dan kegiatan
satuan kerja pengguna teknologi Perseroan terkait
informasi. penggunaan
4. LJKNB wajib memiliki kebijakan dan teknologi informasi
prosedur penggunaan teknologi informasi agar memenuhi
yang meliputi aspek paling sedikit: ketentuan pada
a. manajemen; peraturan ini.
b. pengembangan dan pengadaan; b. Perseroan
c. operasional teknologi informasi; membentuk Komite
d. jaringan komunikasi; Pengarah Teknologi
e. pengamanan informasi; Informasi serta
f. rencana pemulihan bencana; menerbitkan Piagam
g. penggunaan pihak penyedia jasa Komite Pengarah
teknologi informasi; dan Teknologi.
h. layanan keuangan elektronik, bagi
LJKNB yang menyelenggarakan layanan
keuangan elektronik.

.01 .02 .03 .04

Peraturan
Regulations
5. LJKNB wajib memiliki rencana pemulihan

bencana dan melakukan uji coba atas
rencana pemulihan bencana terhadap
seluruh aplikasi inti dan infrastruktur yang
kritikal sesuai hasil analisis dampak secara
berkala dengan melibatkan satuan kerja
pengguna teknologi informasi.
6. Penyelenggaraan teknologi informasi oleh
LJKNB dapat dilakukan secara sendiri dan/atau
menggunakan pihak penyedia jasa teknologi
informasi.
7. LJKNB yang memiliki total aset lebih dari
Rp1.000.000.000.000,00 (satu triliun rupiah)
dan/atau yang mayoritas penyelenggaraan
usahanya dilakukan dengan
menggunakan teknologi informasi, wajib
memiliki pusat data dan pusat pemulihan
bencana.
8. LJKNB yang memiliki pusat data dan/atau
pusat pemulihan bencana wajib menempatkan
sistem elektronik pada pusat data dan/
atau pusat pemulihan bencana di wilayah
Indonesia.
9. LJKNB sebagaimana dimaksud pada angka 8
di atas, wajib menempatkan sistem elektronik
pada pusat data di lokasi yang berbeda
dengan pusat pemulihan bencana dengan
memperhatikan faktor geografis.
10. LJKNB sebagaimana dimaksud pada angka 9 di
atas, dilarang menempatkan sistem elektronik
pada pusat data dan/atau pusat pemulihan
bencana di luar wilayah Indonesia kecuali telah
mendapatkan persetujuan dari Otoritas Jasa
Keuangan.
11. LJKNB wajib melaporkan kejadian kritis,
penyalahgunaan, dan/atau kejahatan
dalam penyelenggaraan teknologi informasi
yang dapat dan/atau telah mengakibatkan
kerugian keuangan yang signifikan dan/
atau mengganggu kelancaran operasional
LJKNB paling lama 5 (lima) hari kerja setelah
kejadian kritis dan/atau penyalahgunaan atau
kejahatan diketahui.
12. Ketentuan POJK ini mulai berlaku 1 tahun
sejak POJK ini diundangkan (17 Maret 2021)
bagi LJKNB yang memiliki total aset lebih dari
Rp1.000.000.000.000,00 (satu triliun Rupiah),
kecuali untuk ketentuan terkait penempatan
sistem elektronik pada pusat data dan/atau
pusat pemulihan bencana yang berlaku pada
tanggal POJK diundangkan.

.05 .06 .07

Peraturan
Regulations
1. Non-bank Financial Services Institutions (“NBFIs”) are

required to implement effective risk management in
the use of information technology which includes at 1. The Company is an LJKNB,
least: which currently has total
a. active supervision of the Board of Directors and assets of more than
the Board of Commissioners; Rp1,000,000,000,000.00
b. adequacy of policies and procedures for the so the provisions of the
use of information technology; POJK will apply to the
c. adequacy of the process of identification, Company as of March 17,
measurement, control and monitoring of risks 2022, except for provisions
of using information technology; and related to the placement
d. internal control system over the use of of electronic systems in
information technology. the data center and/or
2. The application of risk management in the use of disaster recovery center,
information technology by NBFIs must be adjusted to that has taken effect for the
the objectives, business policies, size and complexity of Company since POJK was
the NBFI business. promulgated (March 17,
POJK Number
3. NBFIs with total assets of more than 2021).
4/POJK.05/2021
Rp1,000,000,000,000.00 (one trillion Rupiah) are 2. The Company will or is
Concerning the
required to have an information technology steering trying to take the necessary
Implementation of
committee, which consists of at least: steps to comply with the
Risk Management
March 17, 2021 a. the director in charge of the information provisions of the POJK,
in the Use of
technology operating unit; among others in the form
Information
b. the director or officer in charge of the risk of:
Technology by
management function; a. adjustments to the
Non-Bank Financial
c. the highest official in charge of the Company’s policies,
Services Institutions
information technology operating unit; and procedures and
d. the highest official in charge of the activities related to
information technology user work unit. the use of information
4. NBFIs are required to have policies and procedures for technology in order
the use of information technology which cover at least to comply with the
the following aspects: provisions of this
a. management; regulation.
b. development and procurement; b. The Company
c. information technology operations; established the
d. communication network; Information Technology
e. information security; Steering Committee
f. disaster recovery plan; and issued the
g. the use of information technology service Technology Steering
providers; and Committee Charter.
h. electronic financial services, for NBFIs that
provide electronic financial services.

.01 .02 .03 .04

Peraturan
Regulations
5. NBFIs are required to have a disaster recovery plan

and conduct trials of disaster recovery plans for all
core applications and critical infrastructure according
to the results of periodic impact analysis involving
information technology user work units.
6. Information technology operation by NBFIs can be
carried out independently and/or using information
technology service providers.
7. NBFIs that have total assets of more than
Rp1,000,000,000,000.00 (one trillion Rupiah) and/
or whose majority of their operations are carried out
using information technology, are required to have a
data center and a disaster recovery center.
8. NBFIs that own a data center and/or disaster recovery
center are required to place an electronic system at
the data center and/or disaster recovery center in the
territory of Indonesia.
9. NBFIs as referred to in number 8 above, are required
to place the electronic system in a data center in a
different location from the disaster recovery center by
taking into account geographical factors.
10. NBFIs as referred to in number 9 above, are prohibited
from placing electronic systems in data centers and/
or disaster recovery centers outside the territory of
Indonesia unless they have obtained approval from
the Financial Services Authority.
11. NBFIs are required to report critical incidents, abuses
and/or crimes in the operation of information
technology that can and/or have resulted in significant
financial losses and/or disrupt the operation of the
NBFIs no later than 5 (five) working days after the
critical incident and/or abuse or crime is identified.
12. The provisions of this POJK shall come into effect
1 year after the promulgation of this POJK (March
17, 2021) for NBFIs with total assets of more than
Rp1,000,000,000,000.00 (one trillion Rupiah), except
for provisions related to the placement of electronic
systems in data centers and/or disaster recovery center
in effect on the date the POJK is promulgated.

.05 .06 .07

Peraturan
Regulations
1. Tujuan kebijakan yang ditetapkan dalam

rangka menangani dan mengantisipasi
dampak Covid-19:
a. mengurangi tekanan dan menjaga
stabilitas Pasar Modal;
b. memberikan relaksasi kepada pelaku
industri di bidang Pasar Modal; dan
c. mempermudah proses permohonan
perizinan, pendaftaran dan/atau
persetujuan serta penyampaian laporan
POJK Nomor 7/ dan informasi.
POJK.04/ 2021 2. Penerapan kebijakan tetap memperhatikan
Tentang Kebijakan penerapan prinsip keterbukaan, kehati-
dalam Menjaga hatian, manajemen risiko, tata kelola Perseroan akan tunduk
Kinerja dan perusahaan yang baik dan sesuai dengan dan memperhatikan
Stabilitas Pasar kondisi Pasar Modal terkini. ketentuan POJK ini
Modal Akibat 3. Penerapan kebijakan dalam menjaga terkait dengan kegiatan
Penyebaran kinerja dan stabilitas Pasar Modal akibat Perseroan di bidang pasar
Corona Virus penyebaran Covid-19 berlaku sampai dengan modal.
19 Maret 2021
3 Disease 2019 tanggal 31 Maret 2022.
March 19, 2021
The Company will comply
POJK Number 1. The objectives of policy to deal with and anticipate the with and pay attention to
7/POJK.04/2021 impact of Covid-19 are as follows: the provisions of this POJK
Concerning Policies a. reduce pressure and maintain the stability of related to the Company’s
to Maintain Capital the Capital Market; activities in the capital
Market Performance b. provide relaxation to industry players in the market sector.
and Stability Due Capital Market sector; and
to the Corona Virus c. facilitate the process of licensing application,
Disease 2019 registration and/or approval as well as
submission of reports and information.
2. The implementation of the policy pays attention to the
application of the principles of transparency, prudence,
risk management, good corporate governance and
the latest capital market conditions.
3. The implementation of policies in maintaining the
performance and stability of the Capital Market due
to the Covid-19 is valid until March 31, 2022.

.01 .02 .03 .04

Peraturan
Regulations
1. Status pengawasan LJKNB ditetapkan oleh

Otoritas Jasa Keuangan, terdiri atas:
a. pengawasan normal;
b. pengawasan intensif; atau
c. pengawasan khusus.
2. Penetapan status pengawasan didasarkan
atas faktor:
a. peringkat komposit;
b. peringkat faktor tata kelola perusahaan
yang baik,dan/atau;
c. parameter kuantitatif.
3. Kriteria LJKNB yang ditetapkan dalam status
pengawasan intensif:
a. LJKNB dengan Tingkat Kesehatan
Peringkat Komposit 4 (empat) atau
Peringkat Komposit 5 (lima);
b. LJKNB dengan Peringkat Komposit 3
(tiga) dengan peringkat faktor tata kelola
perusahaan yang baik pada peringkat 4
(empat) atau peringkat 5 (lima),atau;
POJK Nomor c. memenuhi parameter kuantitatif tertentu
9/POJK.05/ sesuai jenis usaha LJKNB.
2021 Tentang 4. Kriteria LJKNB yang ditetapkan dalam status Perseroan selaku LJKNB
Penetapan Status pengawasan khusus: akan memperhatikan dan
dan Tindak Lanjut a. LJKNB dengan Tingkat Kesehatan LJKNB tunduk pada ketentuan
Pengawasan ditetapkan pada Peringkat Komposit 5 POJK ini jika terdapat
Lembaga Jasa (lima) dengan penilaian faktor tata kelola kondisi-kondisi yang
Keuangan perusahaan yang baik pada peringkat 5 diwajibkan pada POJK ini
(lima),atau;
NonBank 30 Juni 2021 untuk ditindaklanjuti.
4 b. memenuhi parameter kuantitatif tertentu
June 30, 2021
sesuai jenis usaha LJKNB.
POJK Number As an LJKNB, the Company
9/POJK.05/2021 1. The monitoring status of NBFIs is determined by the will pay attention to and
Concerning Status Financial Services Authority, consisting of: comply with the provisions
Determination a. normal supervision; of this POJK if there are
and Follow-Up b. intensive supervision; or conditions required by this
Supervision of c. special supervision. POJK to follow up.
Non-Bank Financial 2. Determination of supervision status is based on the
Services Institutions following factors:
a. composite rating;
b. good corporate governance factor rating and/
or;
c. quantitative parameters.
3. Criteria for NBFIs stipulated in intensive supervision
status:
a. NBFIs with a Composite Rating of 4 (four) or a
Composite Rating of 5 (five);
b. NBFIs with a Composite Rating of 3 (three)
with a good corporate governance factor
rating of 4 (four) or 5 (five), or;
c. meet certain quantitative parameters according
to the type of NBFI business.
4. Criteria for NBFIs stipulated under special supervision
status:
a. NBFIs with the NBFI Soundness Level are assigned a
Composite Rating of 5 (five) with a good corporate
governance factor rating of 5 (five), or;
b. meet certain quantitative parameters according to
the type of NBFI business.

.05 .06 .07

Peraturan
Regulations
1. Penambahan cakupan indikasi keterlibatan

dan/atau bertanggung jawab atas
permasalahan integritas, kelayakan
keuangan, reputasi keuangan dan/atau
kompetensi dalam penilaian kembali Pihak
Utama, yaitu:
a. menghambat atau mengganggu:
i. upaya dan pelaksanaan kewenangan
Otoritas Jasa Keuangan; dan/atau
ii. upaya dari Pihak Utama Lembaga Jasa
Keuangan (“LJK”) dan/atau pihak lain,
dalam penanganan permasalahan
solvabilitas dan/atau likuiditas LJK;
dan/atau
b. permasalahan integritas, kelayakan
keuangan, reputasi keuangan dan/
atau kompetensi lain yang bertentangan
dengan ketentuan peraturan perundang-
undangan.
2. Penambahan pengaturan bahwa Pihak
Utama yang ditetapkan dengan predikat
Tidak Lulus dalam penilaian kembali
POJK Nomor 14/ diperlakukan sebagai pihak terkait LJK
POJK.03/2021 sebagaimana pengaturan Batas Maksimum Pihak Utama Perseroan
Tentang Pemberian Kredit (BMPK), Batas akan memperhatikan
Perubahan Maksimum Penyediaan Dana atau Batas dan tunduk terhadap
atas Peraturan Maksimum Penyaluran Dana (BMPD), ketentuan yang berlaku
OJK Nomor 34/ Batas Maksimum Pemberian Pembiayaan
5 30 Juli 2021 bagi Perseroan selaku
POJK.03/2018 (BMPP), dengan jangka waktu sesuai LJK jika terdapat kondisi-
Tentang Penilaian jangka waktu larangan terhadap Pihak kondisi yang memenuhi
Kembali Bagi Utama yang ditetapkan dengan predikat ketentuan pada POJK
Pihak Utama Tidak Lulus. tersebut.
Lembaga Jasa 3. Penambahan pengaturan pengenaan jangka
Keuangan waktu larangan sehubungan penambahan
cakupan penilaian kembali.
4. Pihak yang termasuk dalam daftar pihak
yang dilarang untuk menjadi Pihak Utama
atau Pihak Utama yang ditetapkan
dengan predikat Tidak Lulus berdasarkan:
a. PBI Nomor 12/23/PBI/2010 tentang Uji
Kemampuan dan Kepatutan (Fit and
Proper Test);
b. PBI Nomor 14/6/PBI/2012 tentang Uji
Proper Test) Bank Syariah dan Unit Usaha
Syariah;
c. PBI Nomor 14/9/PBI/2012 tentang Uji
Proper Test) Bank Perkreditan Rakyat;
atau
d. POJK Penilaian Kembali Pihak Utama
(PKPU),
diperlakukan sebagai pihak terkait
LJK sampai dengan jangka waktu
pelarangan terhadap Pihak Utama
berakhir.

.01 .02 .03 .04

Peraturan
Regulations
1. Additional coverage of indications of involvement

and/or responsibility for issues of integrity, financial
feasibility, financial reputation and/or competence in
the reassessment of the Main Party, namely:
a. hinder or interfere with:
i. efforts and implementation of the authority
of the Financial Services Authority; and/or
ii. efforts of the Main Party of the Financial
Services Institution (“LJK”) and/or other
parties,
in handling the solvency and/or liquidity
problems of LJK; and/or
b. issues of integrity, financial feasibility, financial
reputation and/or other competencies that
are contrary to the provisions of laws and
regulations.
POJK Number 2. Additional regulation that the Main Party with
14/POJK.03/2021 Unqualified predicate in the reassessment is treated The Company’s main parties
Concerning as a related party to the LJK as stipulated in the will pay attention to and
Amendments to OJK Maximum Limit for Lending (BMPK), Maximum comply with the provisions
Regulation Number Limit for Provision of Funds or Maximum Limit for
July 30, 2021 that apply to the Company
34/POJK.03/2018 Distribution of Funds (BMPD), Maximum Limit for as an LJK if there are
on Reassessment Financing (BMPP), with a period of time according to conditions that meet the
of Main Parties to the period of prohibition against the Main Party which provisions of the POJK.
Financial Services is determined with the Unqualified predicate.
Institutions 3. Adding the regulation on the imposition of a period
of prohibition in connection with the addition of the
scope of the reassessment.
4. Parties that are prohibited from becoming the Main
Party or Main Party with Unqualified predicate based
on:
a. PBI No. 12/23/PBI/2010 on the Fit and Proper
Test;
b. PBI No. 14/6/PBI/2012 on the Fit and Proper
Test for Islamic Banks and Sharia Business
Units;
c. PBI No. 14/9/PBI/2012 on the Fit and Proper
Test of Rural Banks; or
d. POJK Reassessment of Main Parties (PKPU),
treated as a related party to LJK until the
period of prohibition against the Main Party
ends.

.05 .06 .07

Peraturan
Regulations
1. Batas waktu penyampaian laporan

berkala yang disampaikan oleh LJKNB
kepada Otoritas Jasa Keuangan dan/atau
diumumkan atau dipublikasikan oleh LJKNB
kepada masyarakat diperpanjang selama:
a. 5 (lima) hari kerja dari batas waktu
berakhirnya kewajiban laporan
berkala secara bulanan, triwulanan dan
semesteran;
b. 10 (sepuluh) hari kerja dari batas waktu
berakhirnya kewajiban laporan berkala
yang disampaikan secara empat bulanan;
dan
c. 1 (satu) bulan dari batas waktu
berakhirnya kewajiban laporan berkala
secara tahunan. Perseroan akan
2. Mekanisme Pelaksanaan Penilaian memperhatikan dan
Kemampuan dan Kepatutan: tunduk pada ketentuan
a. Pelaksanaan presentasi atau pemaparan peraturan ini jika:
dan klarifikasi dalam proses penilaian 1. melakukan pembiayaan
kemampuan dan kepatutan bagi calon modal kerja dengan
pihak utama LJKNB dengan tatap fasilitas modal usaha;
POJK Nomor 30/ 2. melakukan
muka langsung di kantor Otoritas
POJK.05/2021 penyampaian laporan
Jasa Keuangan atau tempat lain yang
Tentang berkala; dan/atau
ditetapkan oleh Otoritas Jasa Keuangan
Perubahan Kedua 3. melakukan pengajuan
atau media video conference.
Atas Peraturan permohonan penilaian
b. Otoritas Jasa Keuangan dapat
Otoritas Jasa kemampuan dan
meminta calon pihak utama LJKNB
Keuangan Nomor kepatutan dari calon
untuk melakukan presentasi atau
14/POJK.05/2020 Pihak Utama Perseroan.
pemaparan dan klarifikasi melalui
6 Tentang Kebijakan 31 Desember 2021
tatap muka langsung di kantor Otoritas
Countercyclical
Jasa Keuangan atau tempat lain yang The Company will pay
Dampak
ditetapkan oleh Otoritas Jasa Keuangan attention to and comply
Penyebaran
dalam kondisi tertentu. with the provisions of this
Coronavirus
3. Kegiatan usaha pembiayaan modal kerja regulation if:
Disease 2019
dengan cara fasilitas modal usaha dengan 1. perform working capital
Bagi Lembaga
memenuhi persyaratan: financing with working
Jasa Keuangan
a. nilai pembiayaan untuk setiap Debitur capital facilities;
Nonbank
paling banyak sebesar Rp10.000.000.000 2. submit periodic reports;
(sepuluh miliar rupiah); and/or
b. memiliki agunan berupa kendaraan 3. submit a request for the fit
bermotor, tanah, bangunan dan/atau alat and proper test from the
berat (tidak berlaku untuk pembiayaan < prospective Main Party of
Rp50.000.000 (lima puluh juta Rupiah)); the Company.
c. dilakukan pengecekan terhadap
kelayakan Debitur melalui lembaga
pengelola informasi perkreditan yang
telah memperoleh izin usaha dari Otoritas
Jasa Keuangan; dan
d. dilakukan analisis kelayakan kemampuan
pembayaran Debitur.
4. Jangka waktu berlaku POJK ini ialah sampai
dengan tanggal 17 April 2023, kecuali:
a. kebijakan yang terkait batas waktu
penyampaian laporan berkala;
b. pelaksanaan penilaian kemampuan dan
kepatutan; dan
c. mekanisme komunikasi perusahaan
perasuransian, yang berlaku selama
jangka waktu darurat Covid-19.

.01 .02 .03 .04

Peraturan
Regulations
1. The deadline for submitting periodic reports submitted

by LJKNB to the Financial Services Authority and/or
announced or published by LJKNB to the public is
extended as long as:
a. 5 (five) working days from the expiration of the
monthly, quarterly and semi-annual reporting
obligations;
b. 10 (ten) working days from the deadline for
periodic reports submitted on a quarterly basis;
and
c. 1 (one) month from the expiration date of the
annual periodic report obligation.
2. Mechanism for the Implementation of the Fit and
Proper Assessment is as follows:
a. Implementation of presentations and
clarifications in the fit and proper test for
prospective NBFI main parties conducted in
person at the Financial Services Authority office
POJK Number 30/ or other places determined by the Financial
POJK.05/2021 Services Authority or video conference media.
on the Second b. The Financial Services Authority may ask
Amendment to the the prospective NBFI main party to make
Regulation of the presentations or explanations and clarifications
Financial Services through face-to-face meetings at the Financial
Authority Number Services Authority office or other places
14/POJK.05/2020 December 31, 2021 determined by the Financial Services Authority
Concerning the under certain conditions.
Countercyclical 3. Business activities of working capital financing by way
Policies for the of working capital facilities by fulfilling the following
Impact of the requirements:
Coronavirus Disease
a. the value of financing for each Debtor is a
2019 for Non-Bank
Financial Services maximum of Rp10,000,000,000 (ten billion
Institutions Rupiah);
b. have collateral in the form of motor vehicles,
land, buildings and/or heavy equipment (not
applicable for financing <Rp 50,000,000 (fifty
million Rupiah));
c. checking on the eligibility of the Debtor
through a credit information management
agency that has obtained a business license
from the Financial Services Authority; and
d. an analysis of the feasibility of the debtor’s
payment capability is carried out.
4. The validity period of this POJK is until April 17, 2023,
except:
a. policies related to the deadline for submitting
periodic reports;
b. implementation of fit and proper test; and
c. insurance company communication
mechanism, applicable during the Covid-19
emergency period.

.05 .06 .07

Peraturan
Regulations
1. Penyesuaian SEOJK sebelumnya sehubungan

dengan penyempurnaan POJK Nomor 64/
POJK.03/2020 tentang Perubahan POJK
Nomor18/POJK.03/2017 tentang Pelaporan 1. Perseroan sedang
dan Permintaan Informasi Debitur melalui atau telah melakukan
Sistem Layanan Informasi Keuangan (POJK langkah-langkah yang
SLIK) mencakup: diperlukan untuk
a. Tambahan pelapor SLIK; memenuhi ketentuan
b. Batasan permintaan informasi dan SEOJK dan POJK SLIK
prosedur permintaan tambahan (top up) tersebut antara lain
informasi debitur; dalam bentuk:
c. Permintaan informasi secara daring oleh a. pengkinian terhadap
debitur; kebijakan internal
d. Prosedur pengunduran diri pelapor SLIK; terkait pelaporan
e. Prosedur pendaftaran user SLIK; dan dan permintaan
Surat Edaran f. Kelengkapan dokumen penggunaan informasi debitur
Otoritas Jasa informasi debitur. melalui Sistem
Keuangan 2. Penyempurnaan pedoman pelaporan SLIK, Layanan Informasi
(“SEOJK”) Nomor mencakup: Keuangan agar
3/SEOJK. 03/2021 a. Penyesuaian sandi referensi dengan sesuai dengan SEOJK
7 Tentang Pelaporan 15 Januari 2021 integrasi pelaporan – ANTASENA ini.
dan Permintaan mencakup informasi sektor ekonomi, b. melakukan audit
Informasi Debitur rincian informasi fasilitas, golongan pihak internal terhadap
Melalui Sistem ketiga, negara dan jenis valuta. pelaksanaan Sistem
Layanan Informasi b. Tambahan referensi untuk mengakomodir Layanan Informasi
Keuangan kredit atau pembiayaan yang Keuangan sesuai
direstrukturisasi dalam rangka kebijakan dengan ketentuan.
stimulus. 2. Perseroan
3. Pedoman penyusunan laporan debitur pada memperhatikan
SLIK sesuai SEOJK ini akan berlaku efektif dan berupaya untuk
untuk penyampaian laporan debitur posisi memenuhi ketentuan
data bulan Januari 2022. SEOJK dan POJK SLIK
4. SEOJK ini akan mencabut SEOJK Nomor dalam hal melakukan
50/SEOJK.03/2017 tentang Pelaporan dan pelaporan dan
Permintaan Informasi Debitur melalui permintaan informasi
Sistem Layanan Informasi Keuangan, kecuali debitur melalui Sistem
pedoman penyusunan laporan debitur (Bab Layanan Informasi
II, Bab IV sampai dengan Bab X) pada dalam Keuangan.
Lampiran IV yang masih berlaku sampai
dengan penyampaian laporan debitur posisi
data bulan Desember 2021.

.01 .02 .03 .04

Peraturan
Regulations
1. Previous SEOJK adjustments in connection with the

improvement of POJK Number 64/POJK.03/2020 on
the Amendments to POJK Number18/POJK.03/2017 1. The Company is currently
on the Reporting and Requests for Debtor Information taking or has taken the
through the Financial Information Service System necessary steps to comply
(POJK SLIK) include: with the provisions of the
a. Additional SLIK reporter; SEOJK and POJK SLIK,
b. Limitation of requests for information and among others in the form
procedures for requesting additional (top up) of:
debtor information; a. updating of internal
c. Online requests for information by debtors; policies related
d. Procedure for the resignation of the SLIK to reporting and
reporter; requesting debtor
Financial Services e. SLIK user registration procedure; and information through
Authority (“SEOJK”) f. Completeness of documents for the use of the Financial
Circular Letter debtor information. Information Service
Number 3/SEOJK. 2. Improvement of the SLIK reporting guidelines, System to comply with
03/2021 Concerning including: this SEOJK.
the Reporting and January 15, 2021 a. Adjustment of reference code with reporting b. conducting an
Requesting Debtor integration – ANTASENA includes information internal audit of the
Information Through on economic sector, details on facility implementation of the
the Financial information, third party class, country and type Financial Information
Information Service of currency. Service System in
System b. Additional references to accommodate accordance with the
restructured loans or financing in the context provisions.
of stimulus policies. 2. The Company pays
3. Guidelines for preparing debtor reports on SLIK attention to and strives to
according to SEOJK will be effective for submission of comply with the provisions
debtor report position data for January 2022. of the SEOJK and POJK
4. This SEOJK will revoke SEOJK Number 50/ SLIK in terms of reporting
SEOJK.03/2017 on the Reporting and Requests for and requesting debtor
Debtor Information through the Financial Information information through the
Service System, except for guidelines for preparing Financial Information Service
debtor reports (Chapter II, Chapter IV to Chapter X) in System.
Appendix IV which are still valid until the submission of
the debtor position data report in December 2021.

.05 .06 .07

Peraturan
Regulations
1. Penerapan manajemen risiko wajib

disesuaikan dengan tujuan, kebijakan usaha,
ukuran dan kompleksitas usaha LJKNB
dengan mempertimbangkan perkembangan
kondisi dan potensi permasalahan yang
dihadapi.
2. Perusahaan Pembiayaan dan Perusahaan
Pembiayaan Syariah harus memiliki dan
menerapkan strategi, kebijakan dan
prosedur manajemen risiko yang disusun
secara tertulis dan dapat dituangkan dalam
bentuk pedoman internal manajemen risiko
perusahaan.
3. Penerapan manajemen risiko bagi
Perusahaan Pembiayaan dan Perusahaan
Pembiayaan Syariah mengacu kepada
standar pedoman penerapan manajemen
Perseroan sedang
SEOJK Nomor risiko Perusahaan Pembiayaan dan
berupaya melakukan
7/SEOJK.05/2021 Perusahaan Pembiayaan Syariah dalam
langkah-langkah yang
Tentang Lampiran I SEOJK ini.
diperlukan untuk
Penerapan 4. Perusahaan Pembiayaan dan Perusahaan
memenuhi ketentuan
Manajemen Risiko Pembiayaan Syariah harus memiliki struktur
8 5 Februari 2021 SEOJK tersebut antara lain
Bagi Perusahaan organisasi yang mengacu kepada Lampiran
dalam bentuk penyesuaian
Pembiayaan II SEOJK ini.
terhadap kebijakan
dan Perusahaan 5. Perusahaan Pembiayaan dan Perusahaan
Perseroan agar sesuai
Pembiayaan Pembiayaan Syariah wajib memiliki
dengan ketentuan pada
Syariah kebijakan dan prosedur secara tertulis untuk
SEOJK ini.
mengelola risiko yang melekat (inherent
risk) pada pengembangan atau perluasan
kegiatan usaha. Strategi, kebijakan dan
prosedur manajemen risiko, atau pedoman
internal manajemen risiko perusahaan
perlu disesuaikan dalam hal pengembangan
atau perluasan kegiatan usaha perusahaan
berdampak signifikan terhadap kegiatan
usaha perusahaan secara keseluruhan.
6. Pada saat SEOJK ini mulai berlaku,
SEOJK Nomor 10/SEOJK.05/2016 tentang
Pedoman Penerapan Manajemen Risiko dan
Laporan Hasil Penilaian Sendiri Penerapan
Manajemen Risiko bagi Lembaga Jasa
Keuangan Non-Bank dinyatakan tidak
berlaku bagi Perusahaan Pembiayaan dan
Perusahaan Pembiayaan Syariah.

.01 .02 .03 .04

Peraturan
Regulations
1. Implementation of risk management must be

adjusted to the objectives, business policies, size and
complexity of the NBFI business by taking into account
the development of conditions and potential problems
encountered.
2. Financing Companies and Sharia Financing
Companies must have and implement risk
management strategies, policies and procedures that
are written and can be stated in the form of internal
company risk management guidelines.
3. Implementation of risk management for Financing
Companies and Sharia Financing
Companies refers to the standard guidelines for
risk management implementation of Financing
SEOJK Number
Companies and Sharia Financing Companies in The Company is currently
7/SEOJK.05/2021
Attachment I to this SEOJK. trying to take the necessary
Concerning the
4. Financing Companies and Sharia Financing steps to comply with the
Implementation of
Companies must have an organizational structure that SEOJK provisions, including
Risk Management February 5, 2021
refers to Attachment II to this SEOJK. adjustments to the
for Financing
5. Financing Companies and Sharia Financing Company’s policies to comply
Companies and
Companies are required to have written policies with the provisions of this
Sharia Financing
and procedures to manage the inherent risk in the SEOJK.
Companies
development or expansion of business activities. Risk
management strategies, policies and procedures,
or the company’s internal risk management
guidelines need to be adjusted in the event that the
development or expansion of the company’s business
activities has a significant impact on the company’s
overall business activities.
6. Recently, this SEOJK has been effective, SEOJK
Number 10/SEOJK.05/2016 on the Guidelines for the
Implementation of Risk Management and Reports on
the Results of Self-Assessment on the Implementation
of Risk Management for Non-Bank Financial Services
Institutions are invalid for Financing Companies and
Sharia Financing Companies.

.05 .06 .07

Peraturan
Regulations
1. Isi Laporan Tahunan paling sedikit memuat:

a. ikhtisar data keuangan penting;
b. informasi saham (jika ada);
c. laporan Direksi;
d. laporan Dewan Komisaris;
e. profil Emiten atau Perusahaan Publik;
f. analisis dan pembahasan manajemen;
g. tata kelola Emiten atau Perusahaan
Publik;
h. tanggung jawab sosial dan lingkungan
Emiten atau Perusahaan Publik;
i. laporan keuangan tahunan yang telah
diaudit; dan
j. surat pernyataan anggota Direksi dan
anggota Dewan Komisaris tentang
tanggung jawab atas Laporan Tahunan.
2. Informasi yang diungkapkan dalam bagian
tanggung jawab sosial dan lingkungan
SEOJK Nomor Perseroan akan berupaya
merupakan Laporan Keberlanjutan
16/SEOJK.04/2021 memperhatikan dan
(Sustainability Report) paling sedikit
Tentang Bentuk tunduk terhadap SEOJK ini
memuat:
9 dan Isi Laporan 29 Juni 2021 dalam rangka penyusunan
a. penjelasan strategi keberlanjutan;
Tahunan Emiten laporan tahunan dan
b. ikhtisar aspek keberlanjutan (ekonomi,
atau Perusahaan laporan keberlanjutan
sosial dan lingkungan hidup);
Publik (Sustainability Report).
c. profil singkat Emiten atau Perusahaan
Publik;
d. penjelasan Direksi;
e. tata kelola keberlanjutan;
f. kinerja keberlanjutan;
g. verifikasi tertulis dari pihak independen,
jika ada;
h. lembar umpan balik (feedback) untuk
pembaca, jika ada; dan
i. tanggapan Emiten atau Perusahaan
Publik terhadap umpan balik laporan
tahun sebelumnya.
3. Keharusan penyusunan Laporan
Keberlanjutan sesuai Pedoman Teknis
Penyusunan Laporan Keberlanjutan
(Sustainability Report) Bagi Emiten dan
Perusahaan Publik sebagaimana tercantum
dalam Lampiran II SEOJK ini.

.01 .02 .03 .04

Peraturan
Regulations
1. The contents of the Annual Report shall at least

contain:
a. overview of important financial data;
b. stock information (if any);
c. the report of the Board of Directors;
d. the report of the Board of Commissioners;
e. the profile of the Issuer or Public Company;
f. management analysis and discussion;
g. governance of Issuer or Public Company;
h. social and environmental responsibility of the
Issuer or Public Company;
i. audited annual financial report; and
j. statement letter of members of the Board
of Directors and members of the Board of
Commissioners regarding the responsibility for
SEOJK Number the Annual Report.
16/SEOJK. 04/2021 2. The information disclosed in the social and The Company will try to pay
Concerning the environmental responsibility section constitutes a attention to and comply with
Form and Content June 29, 2021 Sustainability Report containing at least: this SEOJK in the context of
of the Annual a. explanation of sustainability strategy; preparing annual reports and
Report of Issuers or b. an overview of sustainability aspects sustainability reports
Public Company (economic, social and environmental);
c. brief profile of the Issuer or Public Company;
d. explanation of the Board of Directors;
e. sustainability governance;
f. sustainability performance;
g. written verification from an independent party,
if any;
h. feedback sheet for readers, if any; and
i. the response of the Issuer or Public Company
to the previous year’s report feedback.
3. The requirement for the preparation of a Sustainability
Report in accordance with the Technical Guidelines
for the Preparation of a Sustainability Report for Issuer
and Public Company as listed in Attachment II to this
SEOJK.

.05 .06 .07

Peraturan
Regulations
1. Perpanjangan jangka waktu berlakunya

laporan keuangan yang digunakan untuk:
a. pemenuhan ketentuan mengenai
Pernyataan Pendaftaran sebagaimana
diatur dalam beberapa Peraturan Otoritas
Jasa Keuangan;
b. pemenuhan ketentuan mengenai Kuasi
Reorganisasi;
c. pemenuhan ketentuan mengenai
Penggabungan Usaha atau Peleburan
Usaha Perusahaan Terbuka;
SEOJK Nomor d. pemenuhan ketentuan mengenai
20 /SEOJK.04/2021 Transaksi Material dan Perubahan
Tentang Kebijakan Kegiatan Usaha, kecuali jangka waktu
Stimulus dan laporan keuangan yang digunakan
Relaksasi untuk menentukan nilai materialitas Perseroan akan
Ketentuan Terkait sebagaimana dimaksud dalam Pasal 5 memperhatikan dan
Emiten atau POJK Nomor 17/POJK.04/2020 tentang tunduk pada ketentuan
10 Perusahaan Publik 10 Agustus 2021 Transaksi Material dan Perubahan SEOJK ini jika memenuhi
dalam Menjaga Kegiatan Usaha; dan kondisi sebagaimana
Kinerja dan e. pemenuhan ketentuan mengenai dimaksud pada SEOJK
Stabilitas Pasar Transaksi Afiliasi dan Transaksi Benturan tersebut.
Modal Akibat Kepentingan,
Penyebaran dari semula paling lama 6 (enam) bulan
Corona Virus menjadi paling lama 8 (delapan) bulan.
Disease 2019 2. Ketentuan mengenai batas waktu
penyelenggaraan rapat umum pemegang
saham dalam rangka persetujuan
pengunduran diri dan/atau pemberhentian
sementara anggota direksi dan/atau
anggota dewan komisaris diperpanjang
selama 60 (enam puluh) hari setelah batas
waktu berakhirnya kewajiban sebagaimana
diatur dalam Pasal 8 ayat (3) dan
Pasal 10 ayat (4) POJK Nomor 33/
POJK.04/2014 tentang Direksi dan Dewan
Komisaris Emiten atau Perusahaan Publik.

.01 .02 .03 .04

Peraturan
Regulations
1. Extension of the validity period of the financial

statements used for:
a. fulfillment of provisions regarding Registration
Statements as regulated in several Financial
Services Authority Regulations;
b. fulfillment of provisions regarding Quasi
Reorganization;
c. fulfillment of provisions regarding Business
Merger or Business Consolidation of Public
Company;
SEOJK Number d. fulfillment of provisions regarding Material
20/SEOJK.04/2021 Transactions and Changes in Business
Concerning the Activities, except for the period of financial
Stimulus Policy statements used to determine the materiality
and Relaxation of value as referred to in Article 5 of POJK The Company will pay
Provisions Related Number 17/POJK.04/2020 on the Material attention to and comply with
to Issuer or Public August 10, 2021 Transactions and Changes in Business the provisions of this SEOJK
Company in Activities; and if it meets the conditions as
Maintaining Capital e. fulfillment of provisions regarding Affiliated referred to in the SEOJK.
Market Performance Transactions and Conflict of Interest
and Stability Due Transactions,
to the Corona Virus from a maximum of 6 (six) months to a maximum
Disease 2019 of 8 (eight) months.
2. Provisions regarding the time limit for holding a
general meeting of shareholders in the context of
approval of the resignation and/or temporary dismissal
of members of the Board of Directors and/or members
of the Board of Commissioners are extended for 60
(sixty) days after the expiration of the obligations as
stipulated in Article 8 paragraph (3) and Article 10
paragraph (4) of POJK Number 33/POJK.04/2014 on
the Board of Directors and Board of Commissioners of
Issuer or Public Company.

.05 .06 .07

Peraturan
Regulations
1. Perseroan selaku LJKNB

1. SEOJK ini mengatur mengenai: yang saat ini memiliki
a. ketentuan umum; total aset lebih dari
b. cakupan lembaga jasa keuangan nonbank; Rp1.000.000.000.000,00,
c. ruang lingkup manajemen risiko teknologi maka ketentuan SEOJK
informasi; tersebut akan berlaku
d. pengawasan aktif direksi dan dewan bagi Perseroan pada
komisaris; tanggal 17 Maret 2022,
e. kecukupan kebijakan dan prosedur kecuali untuk ketentuan
penggunaan teknologi informasi; terkait penempatan
f. kecukupan proses identifikasi, pengukuran, sistem elektronik pada
pengendalian dan pemantauan risiko pusat data dan/atau
penggunaan teknologi informasi; pusat pemulihan bencana
g. tata cara penyampaian laporan atas yang mulai berlaku bagi
Berlaku Perseroan sejak 17 Maret
kondisi tertentu, permohonan persetujuan
sesuai dengan 2021.
penempatan pusat data dan/atau pusat
pemberlakuan 2. Perseroan akan atau
pemulihan bencana di luar wilayah indonesia
bagi masing- sedang berupaya
dan laporan kejadian kritis.
masing LJKNB melakukan langkah-
2. Pengaturan mengenai tata cara penyampaian:
SEOJK Nomor dalam POJK langkah yang diperlukan
a. laporan sebagai tindakan tertentu;
22/SEOJK. Nomor 4/ untuk memenuhi
b. permohonan persetujuan penempatan sistem
05/2021 Tentang POJK.05/2021 ketentuan SEOJK tersebut
elektronik pada pusat data dan/atau pusat
Penerapan tentang antara lain dalam bentuk
pemulihan bencana di luar wilayah Indonesia;
Manajemen Penerapan penyesuaian terhadap
dan/atau
Risiko dalam Manajemen kebijakan, prosedur
c. laporan kejadian kritis, penyalahgunaan,
Penggunaan Risiko dalam Perseroan dan kegiatan
dan/atau kejahatan dalam penyelenggaraan
Teknologi Penggunaan Perseroan terkait
teknologi informasi,
Informasi oleh Teknologi penggunaan teknologi
yang disampaikan secara dalam jaringan
Lembaga Jasa Informasi oleh informasi agar memenuhi
(online) melalui sistem jaringan komunikasi
Keuangan Lembaga Jasa ketentuan pada
data Otoritas Jasa Keuangan atau luar jaringan
11 NonBank Keuangan peraturan ini.
(offline).
NonBank
SEOJK Number 1. This SEOJK regulates: 1. The Company as LJKNB
22/SEOJK. 05/2021 Applicable in which currently has total
a. general requirements;
Concerning accordance with assets of more than
b. coverage of non-bank financial services institutions;
Implementation of the application Rp1,000,000,000,000. So,
c. the scope of information technology risk
Risk Management for each LJKNB in the SEOJK provisions will
management;
in the Use of POJK Number 4/
d. active supervision of the Board of Directors and the apply to the Company on
Information POJK.05/2021
Board of Commissioners; March 17, 2022, except
Technology by concerning the
e. adequacy of policies and procedures for the use of for provisions related to
Non-Bank Financial Implementation of
information technology; the placement of electronic
Services Institutions Risk Management
f. the adequacy of the process of identifying, systems in the data center
in the Use of
measuring, controlling and monitoring the risk of and/or disaster recovery
Information
using information technology; center that has come into
Technology by
g. procedures for submitting reports on certain force for the Company since
Non-Bank Financial
conditions, requests for approval for the placement
Services Institutions March 17, 2021.
of data centers and/or disaster recovery centers
outside the territory of Indonesia and reports of 2. The Company will or is
critical events. trying to take the necessary
2. Arrangements regarding the procedure for submitting: steps to comply with the
a. reports as certain actions; provisions of the SEOJK,
b. application for approval for placement of electronic among others, in the
systems at data centers and/or disaster recovery form of adjustments to
centers outside the territory of Indonesia; and/or the policies, procedures
c. reports of critical incidents, misuse and/or crimes in of the Company and the
the implementation of information technology, Company’s activities related
delivered online through the Financial Services to the use of information
Authority data communication network system or technology in order to
offline. comply with the provisions
of this regulation.

.01 .02 .03 .04
PERUBAHAN KEBIJAKAN AKUNTANSI ACCOUNTING POLICY CHANGES
Perusahaan telah menerapkan PSAK yang berlaku The Company adopted SFAS which effective on
efektif pada tanggal 1 Januari 2021 yang dianggap January 1, 2021 which is considered relevant to the
relevan terhadap laporan keuangan sebagai berikut: financial statements as follows:
• Amendemen PSAK 71: “Instrumen Keuangan”, • Amendments to SFAS 71: “Financial Instruments”,
Amendemen PSAK 55: “Instrumen Keuangan: Amendments to SFAS 55: “Financial Instruments:
Pengakuan dan Pengukuran”, Amendemen PSAK Recognition and Measurement”, Amendments to
60: “Instrumen Keuangan: Pengungkapan” dan SFAS 60: “Financial Instruments: Disclosures” and
Amendemen PSAK 73: “Sewa tentang Reformasi Amendments to SFAS 73: “Leases on Interest Rate
Acuan Suku Bunga - Tahap 2”. Benchmark Reform - Stage 2”.
Implementasi dari standar-standar tersebut tidak The implementation of the above standards had no
memiliki dampak yang signifikan terhadap jumlah yang significant effect on the amounts reported for the
dilaporkan di periode berjalan atau tahun sebelumnya. current period or prior financial years.

.05 .06 .07
Sumber Daya Manusia

Human Resources
Pandemi Covid-19 yang masih berlangsung selama tahun The Covid-19 pandemic, which continued throughout
2021, mendorong Perseroan untuk tetap fokus pada 2021, has encouraged the Company to remain focused
upaya menjaga kesehatan dan keselamatan karyawan. on its efforts to maintain the health and safety of
Untuk itu, Perseroan melanjutkan operasional kerja its employees. Towards this end, the Company has
karyawan secara work from home (WFH) dan pergiliran continued with its work-from-home and office shifting
kerja (shifting) di kantor yang telah diterapkan pada operations for its employees that it has had in effect
tahun sebelumnya. since last year.
Di tengah penerapan WFH dan shifting, fokus In the midst of WFH and shifting, the Company’s focus
pengelolaan Human Capital Perseroan adalah pada when it came to human capital management has been on
peningkatan produktivitas untuk mencapai proses kerja increasing productivity in order to create more effective
yang efektif. Berbekal pengalaman tahun sebelumnya, work processes. Armed with all the experience it has gained
karyawan mulai terbiasa dengan penerapan operasional from the previous year, employees have begun to get used
kerja tersebut. to the implementation of these special work operations.
Selain menerapkan sistem kerja jarak jauh, Direktorat In addition to implementing a work-from-home
Human Capital juga mengoptimalkan penggunaan system, Human Capital Directorate has also optimized
Google Suite sebagai bentuk adaptasi kerja dengan its use of Google Suite technology as a way of
memanfaatkan teknologi kala pandemi. Aplikasi adapting to new work conditions. Google Suite was
Google Suite digunakan untuk beragam keperluan used for various human resource development-related
terkait pengembangan SDM antara lain untuk purposes, including online recruitment, online training,
rekruitmen online, training online, webinar, coaching webinars, online coaching, online meetings and online
online, meeting online dan presentasi online. presentations.
Dalam meningkatkan produktivitas karyawan, Through its efforts to boost the productivity of its
Perseroan telah menjalankan program kerja sebagai employees, the Company has implemented the
berikut: following work programs:
1. Menerapkan konsep Agile Learning pada pelatihan 1. An “Agile Learning” concept for training that
yang berfokus pada peningkatan pengetahuan, focuses on increasing the knowledge, skills and
keterampilan dan kompetensi karyawan. Melalui competencies of employees. Through this concept,
konsep itu, karyawan diharapkan lebih efektif employees were expected to be more effective in
dalam menjalankan pekerjaannya, dengan carrying out their work with the support of improved
didukung oleh peningkatan kualitas SDM dari human resource quality from a competency-based
proses perekrutan berbasis kompetensi. recruitment process.

.01 .02 .03 .04
2. Untuk level pemimpin Perseroan melakukan 2. When it came to the ranks of leadership, the
standarisasi program pengembangan dengan Company standardized development programs
beragam metode, mendorong implementasi coaching through various methods and encouraged the
culture serta sharing from Leaders. Program-program implementation of coaching culture and sharing
ini bertujuan untuk meningkatkan keterampilan dan from leaders. These programs aimed to improve the
interpersonal skill pemimpin agar dapat memberi work skills and interpersonal skills of leaders so that
inspirasi bagi yang dipimpinnya. they could inspire those they were leading.
3. Melaksanakan kontes inovasi kerja sebagai bagian 3. Carrying out work innovation contests as part of
dari upaya membangun lingkungan kerja yang efforts to build a synergistic work environment.
sinergi. Selain itu, mendorong karyawan untuk In addition, it encouraged employees to be able to
mampu menyelesaikan masalah yang terjadi antara solve problems that occurred between work units
unit kerja serta memotivasi karyawan untuk saling and motivated employees to work together and trust
bekerja sama dan saling percaya untuk mencapai each other to achieve the Company’s set targets.
target yang ditetapkan.
4. Memfasilitasi program kegiatan komunitas 4. Facilitating employee community activity programs
karyawan agar mereka dapat mengaktualisasikan so that employees could realize their potential
potensi diri sehingga dapat meningkatkan and increase their levels of comfort at work while
kenyamanan dalam bekerja sekaligus membangun building cohesiveness among employees.
kekompakan antar karyawan. 5. Implement measurable employee productivity
5. Menerapkan standar produktivitas karyawan yang standards and efficient cost management in each
terukur dan pengelolaan biaya secara efisien di work unit.
setiap unit kerja.
HUMAN CAPITAL ROAD MAP HUMAN CAPITAL ROAD MAP
Perseroan memiliki Human Capital Road Map sebagai The Company has a Human Capital Road Map that serves
panduan dalam mengelola pengembangan SDM. Dalam as its guide in managing HR development. In its road
peta jalan tersebut, SDM berperan dalam mendukung map, HR is described as playing a role in supporting the
strategi bisnis untuk mencapai tujuan Perseroan. business strategy that could achieve the Company’s goals.
Direktorat Human Capital menjalankan 4 (empat) The Human Capital Directorate has carried out 4 (four)
strategi kerja untuk mendukung pertumbuhan bisnis work strategies to support the Company’s business
Perseroan yaitu: growth, namely:
1. Menciptakan iklim organisasi yang kondusif dan 1. Creating a conducive and appropriate
tepat. organizational climate.
2. Pengembangan karir terutama bagi karyawan 2. Career development, especially for talented
bertalenta. employees.
3. Membangun program pengembangan karyawan 3. The creation of a targeted employee development
yang tepat sasaran. programs.
4. Memperkuat proses kerja Human Capital yang 4. Strengthening Human Capital work processes that
mengedepankan pelayanan terbaik untuk prioritized the best in services for employees and
karyawan dan perusahaan. the company.

.05 .06 .07
KEBIJAKAN & STRATEGI PENGELOLAAN SUMBER DAYA HUMAN RESOURCES MANAGEMENT POLICIES &
MANUSIA STRATEGIES
Perseroan memastikan kebijakan dan strategi The Company has ensured that HR management
pengelolaan SDM dijalankan untuk mendukung policies and strategies were implemented to support
pengembangan bisnis. Untuk itu, strategi pengelolaan business development. Towards this end, management
SDM dijalankan dalam program kerja sebagai berikut: strategies for human resources was implemented in the
following work programs:
Employer Branding Employer Branding

Kegiatan employer branding dilakukan sejak awal Employer branding activities were carried out from the
perekrutan untuk menarik minat calon kandidat start of recruitment to attract qualified candidates. It
berkualitas. Dalam kegiatan employer branding, Human was through these employer branding activities that
Capital antara lain memaparkan informasi jenjang karir Human Capital did things like provide information on
bagi para calon karyawan maupun karyawan yang ada career paths for prospective employees and existing
agar semakin termotivasi untuk memberikan hasil employees so that they could be more motivated to
optimal bagi Perseroan. provide optimal results for the Company.
Learning Journey Learning Journey

Human Capital melalui Organization Learning The Human Capital Directorate, through its
Department terus mengadakan pelatihan untuk Organization Learning Department, continued to
mengembangkan kompetensi karyawan. Dalam kondisi provide employees with training to develop their
pandemi yang masih berlangsung, kegiatan pelatihan competencies. Throughout the the ongoing pandemic,
diadakan secara online untuk menjaga kesehatan para training activities were held online to maintain the
peserta pelatihan. health of trainees.
Program pengembangan karyawan juga dilakukan Employee development programs were also carried
untuk memperkuat kompetensi manajerial melalui out to strengthen managerial competence through
program diantaranya: programs such as:
a. Management Trainee sebagai pelatihan untuk a. Management Trainee to prepare fresh graduates to
mempersiapkan para fresh graduate menjadi become leaders in the Company.
pemimpin di Perseroan.
b. First Line Managerial Program sebagai pelatihan b. First Line Managerial Program as training for
untuk para staf internal yang ingin promosi ke internal staff who desired to be promoted to higher
jabatan lebih tinggi. positions.
c. WOM Managerial Program sebagai pelatihan bagi c. WOM Managerial Program as training for
para calon manajerial Perseroan. prospective Company managers.
d. Branch Head Development Program yang khusus d. Branch Head Development Program specifically
ditujukan untuk pengembangan kompetensi para aimed at developing the competence of branch
pimpinan cabang. leaders.
Career Development Career Development

Melalui program manajemen talenta dan suksesi, Through its talent management and succession
Perseroan memberikan kesempatan yang sama kepada programs, the Company has provided equal
setiap karyawan untuk mengembangkan karirnya. opportunities to every one of its employee to develop

.01 .02 .03 .04
Program ini juga dirancang untuk mempersiapkan their careers. This program was also designed to
karyawan bertalenta menjadi penerus di posisi-posisi prepare talented employees to become successors in
strategis di Perseroan. strategic positions within the Company.
Business Process Efficiency & High Productivity Business Process Efficiency & High Productivity
Employee Employees
Untuk memastikan efisiensi proses bisnis berjalan, To ensure the efficiency of running its business processes,
Human Capital melakukan peninjauan ulang seluruh the Human Capital Directorate has conducted a review
organisasi, deskripsi kerja dan penilaian karyawan di of the entire organization, of job descriptions and of
setiap divisi maupun jabatan. employee assessments in each division and position.
REKRUTMEN RECRUITMENT
Perseroan menjamin proses rekrutmen dilakukan The Company has guaranteed that its recruitment
secara profesional sesuai kebutuhan organisasi dan process was carried out professionally according to the
tanpa diskriminasi suku, agama, ras dan antar golongan needs of the organization and without discrimination
(SARA) dan gender. Perekrutan kandidat didasarkan when it came to ethnicity, religion, race, intergroups
pada kompetensi dan integritas yang sesuai dengan and gender. Its recruitment of candidates was based
budaya perusahan dan diyakini dapat membantu on competence and integrity in accordance with the
pengembangan usaha Perseroan. company’s culture and is believed to be able to assist
the development of the Company’s business.
Melanjutkan praktik pada tahun sebelumnya, selama Continuing on with its practices from the previous year,
tahun 2021 proses rekrutmen juga dilakukan secara the Company’s recruitment process in 2021 was also
End to End Online Recruitment. Seluruh kegiatan carried out by way of End to End Online Recruitment.
rekrutmen memaksimalkan fasilitas digital yang All recruitment activities served to maximize the digital
dimiliki. Perseroan telah menyiapkan peralatan yang facilities they had. The Company also prepared the
dibutuhkan agar standar perekrutan dengan Online necessary equipment that allowed Online Recruitment
Recruitment tetap berkualitas. efforts to remain of high quality.
PENGEMBANGAN KOMPETENSI SDM HUMAN RESOURCE COMPETENCE DEVELOPMENT
Perseroan menyelenggarakan kegiatan pendidikan The Company organized education and training
dan pelatihan bagi karyawan untuk meningkatkan activities for employees to improve competence. In the
kompetensi. Di tengah pandemi, kegiatan pendidikan midst of the pandemic, education and training activities
dan pelatihan digelar secara digital dengan konsep were held digitally through a Learning Management
Learning Management System. Berbagai metode System. A variety of Digital Learning methods were
Digital Learning yang diaplikasikan seperti Pre Reading, applied, such as Pre Reading, Warming and Prime
Warming and Prime Quiz, Task Question, Online Quizzes, Task Questions, Online Training, Online Group
Training, Online Group Discussion, Role Play dan Video Discussions, Role Playing and Video Learning carried
Learning yang dilaksanakan dengan memanfaatkan out by use of Google Suite (Google Classroom & Google
fitur Google Suite (Google Classroom & Google Meet) Meet) and Zoom technology.
dan Zoom.
Untuk karyawan yang baru bergabung, Perseroan The Company facilitates newly joined employees
memiliki fasilitas “Digital WOM On Boarding Program” with “Digital WOM On Boarding Program,” which
yang merupakan salah satu pelatihan wajib sebagai is one of the mandatory trainings as a means to

.05 .06 .07
sarana untuk meningkatkan engagement dan increase engagement and internalize company
internalisasi nilai-nilai perusahaan. values.
Sementara untuk pengembangan karir karyawan, Meanwhile, when it came to employee career
Perseroan melaksanakan Development Program seperti development, the Company has implemented
WOM Managerial Program, Management Trainee, First Development Programs such as WOM Managerial
Line Manager dan Marketing Squad. Program, Management Trainee, First Line Manager and
Marketing Squad.
Di level manajerial atau satu tingkat di bawah Direksi, At the managerial level or one level below the Board of
Perseroan memastikan seluruh manajer memiliki Directors), the Company has ensured that all managers
sertifikasi dasar pembiayaan. Selain itu, seluruh have basic financing certification. In addition, all
karyawan di bidang penagihan juga memiliki sertifikasi employees in the billing sector also have a billing
profesi penagihan untuk memastikan kenyamanan profession certification to ensure comfortable service
layanan kepada pelanggan. to customers.
PENILAIAN KINERJA DAN REMUNERASI PERFORMANCE ASSESSMENT AND REMUNERATION
Perseroan telah memiliki instrumen dalam melakukan The Company already has instruments in place for
penilaian kinerja dan remunerasi bagi karyawan. Dalam assessing employee performance and remuneration. In
proses penilaian kinerja, Human Capital bekerjasama its performance appraisal process, the Human Capital
dengan unit kerja terkait untuk memastikan keselarasan Directorate has collaborated with relevant work units
antara strategi dan target Perseroan dengan Key to ensure alignment between the Company’s strategy
Performance Indicator (KPI) yang menjadi target unit and targets through Key Performance Indicators (KPI)
kerja dan karyawan yang tertuang ke dalam Individual that served as the targets of work units and employees
Performance Planning (IPP). as set out within Individual Performance Planning (IPP)
metrics.
Human Capital memiliki sistem laporan berkala dan The Human Capital Directorate also has a periodic
sistem rank grading untuk mencatat setiap kinerja report system and a rank grading system to record the
karyawan. Laporan ini juga menjadi dasar mengevaluasi performance of each employee. This report also served
pencapaian kinerja serta membantu solusi atas setiap as the basis for evaluating performance achievements
permasalahan yang dihadapi oleh karyawan. and assisting in solutions to any problems faced by
employees.
Perseroan juga melakukan penilaian kinerja tengah The Company has also conducted mid-year and year-end
tahun dan akhir tahun yang diawali dengan Self performance assessments, starting with Self Appraisal
Appraisal dan dilanjutkan dengan mekanisme penilaian and followed by a tiered performance appraisal
kinerja secara berjenjang. Hasil penilaian kinerja mechanism. The results of this performance appraisal
ini berdampak terhadap pencapaian karir karyawan have an impact on employee career achievements and
maupun remunerasi yang diterima. the remuneration they can receive.
Dalam memberikan remunerasi, Perseroan menerapkan In providing remuneration, the Company has applied
prinsip remunerasi yang kompetitif dengan the principle of competitive remuneration based on
berpedoman pada 3 P yaitu Pay for Position, Pay for the 3Ps, namely “Pay for Position”, “Pay for Person”
Person dan Pay for Performance. Sistem remunerasi and “Pay for Performance”. This remuneration system
ini dinilai mencerminkan keadilan dan obyektif sesuai is viewed as reflecting fairness and objectivity in
dengan perkembangan usaha Perseroan. accordance with the Company’s business development.

.01 .02 .03 .04
Untuk meningkatkan retensi dan engagement In addition to providing a basic salary, the Company
karyawan, selain memberikan gaji pokok, Perseroan has also provided employees with various benefits for
juga menyediakan berbagai benefit diantaranya increasing employee retention and engagement. These
fasilitas asuransi, kemudahan kredit motor karyawan, benefits included insurance facilities, convenience for
tempat tinggal bagi karyawan di luar homebase, employee motorbike loans, housing for employees
pinjaman dana yang bersifat darurat, kesempatan outside their homebase, emergency loan funds,
bantuan beasiswa bagi karyawan dan anak scholarship assistance opportunities for employees (as
karyawan, perlindungan BPJS Kesehatan dan BPJS well as for their children), state social security protection
Ketenagakerjaan serta fasilitas telekomunikasi. as well as telecommunications facilities.
RENCANA PENGEMBANGAN SDM TAHUN 2022 HUMAN RESOURCES DEVELOPMENT PLANS FOR 2022
Siap Masuk Dunia Digital

Ready to Enter Digital World
- WOM Career Applicant Tracking System

Application
- Learning Management System
- Performance Appraisal Online
- Talent Management System
- Perjalanan Dinas by System
Siap Mengembangkan Karyawan yang Agile dan Membangun Budaya Sinergi

Ready to develop Agile employees & Build a Synergy Culture
- Assesment Center
- WOM Coaching Club
- WOM Trainer Academy
- Piksel/Multimedia Community
- WOMERS Melek Finansial
- Innovative & Creative Thinking Community
We Care For WOM Finance

- Psychology Support & Assistance

- Mental Wellness Insight
- Employee Well Being Voices
- Wellness Program

.05 .06 .07
DEMOGRAFI KARYAWAN EMPLOYEE DEMOGRAPHICS
Sampai 31 Desember 2021, Perseroan memiliki jumlah As of December 31, 2021, the Company has 2,416
karyawan sebanyak 2.416, menurun sebesar 7,04% employees, a decrease of 7.04% compared to its 2,599
dibanding tahun 2020 sebanyak 2.599 karyawan. employees in 2020. The demographics of the Company
Demografi karyawan Perseroan sebagai berikut: employees are as follows:
Komposisi Karyawan Berdasarkan Status Kepegawaian

Employee Composition by Employment Status
Status
2021 2020
Status
Kontrak
5 369
Contract
Tetap
2.269 2.226
Permanent
Percobaan
142 4
Probation
Jumlah
2.416 2.599
Total
Komposisi Karyawan Berdasarkan Jenis Kelamin

Employee Composition by Gender
Jenis Kelamin
2021 2020
Gender
Perempuan
646 692
Female
Laki-laki
1.770 1.907
Male
Jumlah
2.416 2.599
Total
Komposisi Karyawan Berdasarkan Usia

Employee Composition by Age
Interval Usia
2021 2020
Age
s/d 24 tahun
147 116
up to 24 years old
25 s/d 34 tahun
1.035 1.070
35 s/d 49 tahun
1.118 1.284
>=50 tahun
116 129
>=50 years old
Jumlah
2.416 2.599
Total

.01 .02 .03 .04
Komposisi Karyawan Berdasarkan Tingkat Pendidikan

Employee Composition by Education Level
Tingkat Pendidikan
2021 2020
Education
SLTP
3 3
Junior High School
SLTA
442 509
Senior High School
Akademi
289 348
Academy
Strata 1 (S1)
1.662 1.713
Bachelor (S1)
Strata 2 & 3 (S2 & S3)
20 26
Magister and Doctoral (S2 & S3)
Jumlah
2.416 2.599
Total
Komposisi Karyawan Berdasarkan Golongan Jabatan

Employee Composition by Position Grade
Jabatan
2021 2020
Position
Staf
605 753
Clerical
Supervisor
1.488 1.530
Supervisor
Manajer
279 277
Manager
General Manager
44 39
General Manager
Jumlah
2.416 2.599
Total

.05 .06 .07
PELATIHAN TAHUN 2021 TRAINING IN 2021
Selama tahun 2021, Perseroan telah menyelenggarakan Throughout 2021, the Company has hosted a total of
total 10 (sepuluh) program, 224 (dua ratus dua puluh 10 (ten) different types of programs that encompassed
empat) batch pelatihan yang menjangkau 32.845 224 (two hundred and twenty four) batches of training
peserta. Data pelatihan secara terperinci termuat that had 32,845 participants. Detailed training data can
dalam tabel berikut: be found in the following table:
2021
Klasifikasi
No
Classification Realisasi Batch Total Peserta
Actual Batch Total participants
Grand Total 224 32.845
1 Behavioral Competency 59 14.693
Effective Habit For Effective People 2 45

Creative & Design Thinking 3 84
Problem Solving & Decision Making 3 52
Wsp - Fundamental Leadership 15 467
Wsp - Maximizing Leadership 6 139
Train For Trainer 1 14
Communication & Negotiation Skills 12 347
Creative & Innovation Thinking For Panelist 1 20
Training Financial Statement In Financial Industry 3 64
Presentation Skill 1 8
Sharing Self Transformation 1 22
Stay Connected And Engaged In Virtual Working Era 1 101
Webinar Maybank - Chrp 1 45
Webinar Leader Has To Be Seen 1 28
WOM Leadership For Senior Manager 2 30
WOM Leadership Manager 2 50
Inspirational Forum 1 54
SQ - Customer Experience 1 44
Bringing Out The Best From Diversity 1 9
Leading Change For Real Synergy 1 347
Engagement - 12.282
Pendidikan Karyawan
- 21
Employee Education
Company Sharing Performance - 420

.01 .02 .03 .04
2021
Klasifikasi
No
2 Marketing Academy 9 7.850
Development Day 8 7.807

Marketing Squad 1 43
3 Risk Academy 5 88
Intermediate Credit 3 53
Asset Management Strategic 2 35
4 Operation Academy 9 375
Advance Operation 2 58
Basic Back Officer 1 111
Intermediate Operation 2 40
Basic Frontliner 4 166
5 Development Program 18 460
WOM First Line Managerial Program 1 24

Key Position Development Program 2 58
Management Trainee 4 91
MCP & CRCP 1 18
Talent Pool Development Program 4 109
Branch Head Development Program 1 19
WOM Managerial Program 5 141
6 Technical Functional Training 50 3.221
Auto Distribution 1 208

Training Google Sheet - Ga Prem 1 11
Credit Centralize 3 749
Instant Approval CMO 7 458
Instant Approval MAO 8 667
Mobile Survey 1 68
Training MasKu 4 117
Pengolahan Data 1 10
KAWAN 3 233
Workshop TAC 1 39
Multifinance Syariah 1 20

.05 .06 .07
2021
Klasifikasi
No
Pooling Order 1 85
Behavioral Event Interview 3 84
Auto Vertel 1 31
Training Frontliner - SQ 1 121
Traning OBS Dan Zoom 1 3
Pengaduan Konsumen SQ 8 156
Training Sosialisasi Terkait Premises & GA 4 161
7 Kepatuhan 8 710
Webinar Ruang Hukum - Pidana Perdata 1 412

Sosialisasi Gugatan Sederhana 7 298
8 Pogram Sertifikasi Pembiayaan 19 768
Sertifikasi Dasar Manajerial 11 198

Sertifikasi Profesi Penagihan 6 313
Sertifikasi Profesi Penagihan-OS 2 257
9 Public Training 36 85
10 WOM On Boarding 11 4.595
BIAYA PENGEMBANGAN KOMPETENSI SDM HR COMPETENCY DEVELOPMENT COST
Perseroan mengeluarkan dana sebesar Rp3,45 miliar The Company spent Rp3.45 billion for the education
untuk biaya pendidikan dan pelatihan karyawan pada and training of employees in 2021.
tahun 2021.

.01 .02 .03 .04
Teknologi Informasi
Pandemi Covid-19 yang masih berlangsung selama The ongoing Covid-19 pandemic that continued
tahun 2021 dan kebutuhan pelanggan yang semakin throughout 2021 and an increasingly diverse list
beragam mendorong Perseroan terus mengembangkan of customer needs have both served as sources of
infrastruktur dan sistem teknologi informasi. encouragement for the Company to keep on developing
Pengembangan inovasi TI dalam kegiatan Perseroan its infrastructure and information technology (IT)
antara lain untuk pengukuran, pengawasan dan systems. The development of IT for the Company’s
perbaikan kinerja usaha serta pengambilan keputusan activities cover uses like measuring, monitoring and
manajemen untuk mendukung pertumbuhan bisnis improving business performance and assisting the
Perseroan. management in making decisions that can help support
the Company’s business growth.
Kebijakan bagi karyawan untuk bekerja dari rumah A work-from-home policy that has been in effect
(work from home/WFH) yang sudah dilakukan sejak since the previous year continued to stay in effect in
tahun sebelumnya tetap dilanjutkan sesuai dengan accordance with government provisions. At the same
ketentuan dari Pemerintah. Namun demikian, seiring time, a decline in active Covid-19 cases meant that
dengan menurunnya kasus aktif Covid-19, pemerintah the government was gradually able to allow business
secara bertahap mengizinkan aktivitas kerja dunia activities to be carried out from company offices.
usaha dilakukan dari kantor. Untuk itu, Perseroan It is for this reason that the Company, through its IT
melalui Divisi TI menyediakan fasilitas yang memadai division, has worked to provide adequate facilities that
agar karyawan dapat bekerja dengan optimal baik saat could allow employees to work optimally, whether it’s
bekerja secara WFH maupun di kantor. working from home or working at an office.
PENGEMBANGAN TI TAHUN 2021 IT DEVELOPMENT IN 2021
Pada tahun 2021 Perseroan telah membangun Back in 2021, the Company developed a Co-Working
aplikasi Co-Working Space yang dapat digunakan Space app that employees could use to register their
oleh karyawan untuk melakukan pendaftaran lokasi work locations at company offices if the employees
kerja di kantor apabila karyawan membutuhkan in question needed to make use of these office work
fasilitas kerja di kantor. Selain itu, Perseroan juga telah facilities. In addition, the Company also worked to
mengembangkan tingkat keamanan sistem perangkat improve device and network security systems so that
dan jaringan untuk memungkinkan aplikasi dapat apps could be access via internet works.
diakses melalui jaringan internet.
Perseroan berkomitmen untuk meningkatkan layanan The Company continued with its commitment to
kepada para pelanggan melalui berbagai cara, antara improving customer service through various means,
lain menambah kerja sama dengan beberapa payment including through the addition of several new payment
channel baru dengan menggunakan teknologi channels by use of API (Application Programming
API (Application Programming Interface) sehingga Interface) technology so that customers could have more
pelanggan memiliki pilihan lebih banyak dalam options when making online installation payments.
melakukan pembayaran angsuran secara online.
Perseroan juga membangun aplikasi Customer The Company also developed a Customer Relationship
Relationship Management untuk meningkatkan Management app that allowed for improved customer
pelayanan terhadap pelanggan sehingga dapat service in such a way that allowed the Company
memberikan layanan dengan lebih cepat dan tepat. to provide services more quickly and precisely. The
Selain itu, Perseroan juga membuat aplikasi web Company also has, in addition, developed a web-poll
polling sebagai wadah untuk pengumpulan aplikasi app that serves as a forum for collection application
pengajuan dari berbagai macam sumber aplikasi. submissions from various application sources.

.05 .06 .07
Untuk memberikan pengalaman baru dan kemudahan The Company has also updated the appearance and
bagi para pengunjung situs Perseroan telah melakukan features of its corporate website in order to provide
pembaruan tampilan dan fitur situs korporat. Selain customers with new experiences and improved
itu, Perseroan juga menambah produk baru MasKu convenience when they visit and make use of it. The
pada Core System. Penambahan fitur baru itu memberi Company also added a new product, called MasKu,
alternatif produk pembiayaan bagi para pelanggan. to its Core System. The addition of this new feature
serves to provide an alternate product of financing for
customers.
RENCANA PENGEMBANGAN TI TAHUN 2022 IT DEVELOPMENT PLANS FOR 2022
Pada tahun 2022, Perseroan berkomitmen untuk terus The Company in 2022 will continue with its commitment
mengembangkan fitur Core System guna menunjang to developing features for its Core System that can
perkembangan bisnisnya. Perseroan akan tetap support its business development. It will continue to
fokus mengembangkan aplikasi IT yang sudah dirilis focus on developing the IT apps that it had released
pada tahun sebelumnya. Bentuk realisasinya berupa in the previous year. It will realize this goal by adding
penambahan modul, peningkatan koneksi, serta modules, increasing connection quality and improving
perbaikan pelayanan kepada konsumen. Elemen- its customer service, all with the hopes that these
elemen ini diharapkan meningkatkan bisnis Perseroan. elements can improve the Company’s business.
Perseroan akan menjalankan beberapa rencana The Company will implement a number of strategic
strategis dalam mengembangkan TI pada tahun 2022, plans for IT development in 2022. These include:
yaitu:
1. Pengadaan aplikasi “KAWAN” untuk para pelanggan 1. Procurement of an app called “KAWAN” for customers
di mana memberikan kemudahan pembayaran, that can provide them with convenience in payment,
maupun sebagai portal layanan konsumen. as well as serve as a consumer service portal.
2. Otomatisasi beberapa proses internal Perseroan 2. Automation of some of the Company’s internal
dengan menggunakan RPA (Robotic Process processes by way of using RPA (Robotic Process
Automation). Automation).
3. Pengembangan aplikasi E-Services (E-Welcome 3. Development of its E-Services application
Pack, E-Receipt, Digital Sign). (E-Welcome Pack, E-Receipt, Digital Sign).
4. Pengembangan credit scoring system untuk 4. Development of a credit scoring system to speed up
mempercepat proses persetujuan kredit melalui the credit approval process through a Credit Engine
Credit Engine dengan menggunakan validasi data that uses data validation from both internal and
baik yang berasal dari internal maupun eksternal. external sources.
5. Pembuatan aplikasi untuk penentuan kondisi 5. Development of an app that uses Digital Asset
(grading) kendaraan tarikan dengan menggunakan Management Unit (AMU) for determining the
Asset Management Unit (AMU) Digital. condition (grading) of towing vehicles.
6. Meningkatkan tingkat keamanan TI Perseroan 6. Boosting the level of the Company’s IT security
melalui penambahan fitur security. through the addition of security features.
7. Pengembangan infrastruktur pada cloud 7. Infrastructure development within the cloud
environment. environment.
8. Mengimplementasikan standar ISO/IEC 27001:2013 8. Implementation of ISO/IEC 27001:2013 standards
terkait sistem manajemen keamanan informasi related to the Company’s information security
Perseroan. management systems.

.05
Tata Kelola Perusahaan
Corporate Governance
Perseroan senantiasa mematuhi seluruh peraturan perundang-

undangan yang berlaku dan etika bisnis dalam menjalankan usaha
untuk mendukung pertumbuhan yang berkelanjutan
The Company always complies with all applicable laws and regulations and business ethics in
conducting business to support sustainable growth

.01 .02 .03 .04

Good Corporate Governance
KOMITMEN PENERAPAN GCG COMMITMENT OF GCG IMPLEMENTATION
Tata Kelola Perusahaan yang Baik (Good Corporate Good Corporate Governance, hereinafter referred
Governance), yang selanjutnya disebut GCG, adalah to as GCG, is the principles that underlie a process
prinsip-prinsip yang mendasari suatu proses dan and mechanism for managing a company based
mekanisme pengelolaan perusahaan berlandaskan on laws and regulations and business ethics. As a
peraturan perundang-undangan dan etika berusaha. responsible corporation, the Company is committed
Sebagai korporasi yang bertanggung jawab, Perseroan to implementing GCG. GCG implementation aims not
berkomitmen untuk menerapkan GCG. Penerapan only to comply with the provisions of the authorities
tersebut dilakukan tidak sekedar memenuhi ketentuan or applicable laws and regulations, but also give the
otoritas atau peraturan perundang-undangan yang awareness that good governance is a key aspect to
berlaku, akan tetapi lebih didorong oleh kesadaran improve performance and sustainable competitive
bahwa tata kelola yang baik merupakan kunci penting advantage.
untuk meningkatkan kinerja dan keunggulan daya
saing berkelanjutan.
Perseroan meyakini bahwa penerapan GCG akan dapat The Company believes that the GCG implementation will
mewujudkan keseimbangan dalam pengendalian be able to achieve a balance in the company’s control.
perusahaan sehingga menekan peluang terjadinya Thus, it can minimize the possibility of fraud and the
kecurangan (fraud) serta meminimalkan risiko risk of mismanagement of the company. In addition,
terjadinya kesalahan pengelolaan perusahaan. Selain with the proper GCG implementation in accordance
itu, dengan penerapan GCG yang tepat sesuai dengan with applicable regulations and existing best practices,
regulasi yang berlaku, serta best practice yang ada, the Company has a confidence to be able to respond to
maka Perseroan optimistis akan mampu menjawab the challenges and demands of stakeholders. Moreover,
tantangan dan tuntutan dari pemangku kepentingan. the GCG implementation helps the Company to be able
Lebih dari itu, dengan penerapan GCG, Perseroan juga to survive, even grow and be sustainable in the future.
akan mampu bertahan, bahkan semakin berkembang
dan berkelanjutan pada masa-masa mendatang.

.05 .06 .07
DASAR-DASAR PELAKSANAAN GCG PERSEROAN BASIC FOR THE IMPLEMENTATION OF GCG
Dalam penerapan GCG, Perseroan berpedoman pada In conducting GCG, the Company refers to the
peraturan-peraturan baik secara internal Perseroan Company’s internal regulations, the applicable laws
maupun peraturan perundang-undangan dan best and best practices in financing industry.
practice yang berlaku di industri pembiayaan.
Ketentuan internal maupun ketentuan peraturan The internal regulation and other applicable laws
perundang-undangan yang dimaksud meliputi antara include, among others:
lain:
1. Undang-Undang Republik Indonesia Nomor 40 1. Law of the Republic of Indonesia Number 40 of
Tahun 2007 tentang Perseroan Terbatas; 2007 concerning Limited Liability Companies;
2. Undang-Undang Republik Indonesia Nomor 8 2. Law of the Republik of Indonesia Number 8 of 1995
Tahun 1995 Tentang Pasar Modal; concerning Capital Market;
3. Peraturan Otoritas Jasa Keuangan ("POJK") dan 3. Regulation of the Financial Services Authority
Surat Edaran Otoritas Jasa Keuangan ("SEOJK"), ("POJK") and Financial Services Authority Circular
antara lain: Letter ("SEOJK"), as follows:
- POJK Nomor 30/POJK.05/2014 tentang Tata - POJK Number 30/POJK.05/2014 concerning
Kelola Perusahaan yang Baik Bagi Perusahaan Good Corporate Governance for Financing
Pembiayaan dan perubahannya sebagaimana Companies and its amendments as stated in
tercantum pada POJK Nomor 29/POJK.05/2020. POJK Number 29/POJK.05/2020.
- POJK Nomor 33/POJK.04/2014 tentang Direksi - POJK Number 33/POJK.04/2014 concerning the
dan Dewan Komisaris Emiten Atau Perusahaan Board of Directors and Board of Commissioners
Publik. of Issuers or Public Companies.
- POJK Nomor 34/POJK.04/2014 tentang Komite - POJK Number 34/POJK.04/2014 concerning the
Nominasi dan Remunerasi Emiten Atau Nomination and Remuneration Committee for
Perusahaan Publik. Issuers or Public Companies.
- POJK Nomor 35/POJK.04/2014 tentang - POJK Number 35/POJK.04/2014 concerning
Sekretaris Perusahaan Emiten atau Perusahaan Corporate Secretary of Issuers or Public
Publik. Companies.
Penerapan Pedoman Tata Kelola Perusahaan Implementation of Corporate Governance
Terbuka. Guidelines for Public Company.
- POJK Nomor 55/POJK.04/2015 tentang - POJK Number 55/POJK.04/2015 concerning the
Pembentukan dan Pedoman Pelaksanaan Kerja Establishment and Working Implementation
Komite Audit. Guidelines for Audit Committee.
Pembentukan dan Pedoman Penyusunan Establishment and Guidelines for Drafting an
Piagam Unit Audit Internal. Internal Audit Unit Charter.
- POJK Nomor 27/POJK.03/2016 tentang Penilaian - POJK Number 27/POJK.03/2016 concerning Fit
Kemampuan dan Kepatutan Bagi Pihak Utama and Proper Test for the Main Parties of Financial
Lembaga Jasa Keuangan. Services Institutions.
Laporan Kepemilikan atau Setiap Perubahan Ownership Reports or Any Changes in Share
Kepemilikan Saham Perusahaan Terbuka. Ownership of Public Companies.
Penggunaan Jasa Akuntan Publik dan Kantor Use of Public Accountant Services and Public
Akuntan Publik Dalam Kegiatan Jasa Keuangan. Accounting Firms in Financial Service Activities.
Penyelenggaraan Usaha Perusahaan Business Performance of Financing Companies.
Pembiayaan.

.01 .02 .03 .04

Penyelenggaraan Usaha Perusahaan Business Performance of Sharia Financing
Pembiayaan Syariah dan Unit Usaha Syariah Companies and Sharia Business Units of
Perusahaan Pembiayaan. Financing Companies.
- POJK Nomor 15/POJK.04/2020 tentang Rencana - POJK Number 15/POJK.04/2020 concerning the
dan Penyelenggaraan Rapat Umum Pemegang Plan and Holding of the General Meeting of
Saham Perusahaan Terbuka. Shareholders of a Public Companies.
- POJK Nomor 28/POJK.05/2020 tentang Penilaian - POJK Number 28/POJK.05/2020 concerning
Tingkat Kesehatan Lembaga Jasa Keuangan Assessment of the Soundness Level of Non-Bank
Nonbank. Financial Services Institutions.
Perizinan Usaha dan Kelembagaan Perusahaan Business Permit and Institutional Financing
Pembiayaan dan Perusahaan Pembiayaan Companies and Sharia Financing Companies.
Syariah.
Penerapan Manajemen Risiko Bagi Lembaga Implementation of Risk Management for Non-
Jasa Keuangan Nonbank. Bank Financial Services Institutions.
- POJK Nomor 4/POJK.05/2021 tentang Penerapan - POJK Number 4/POJK.05/2021 concerning the
Manajemen Risiko dalam Penggunaan Implementation of Risk Management in the
Teknologi Informasi oleh Lembaga Jasa Use of Information Technology by Non-Bank
Keuangan Nonbank. Financial Services Institutions.
- SEOJK Nomor 32/SEOJK.04/2015 tentang - SEOJK Number 32/SEOJK.04/2015 concerning
Pedoman Tata Kelola Perusahaan Terbuka. Guidelines for the Governance of Public Companies.
- SEOJK Nomor 36/SEOJK.03/2017 tentang Tata - SEOJK Number 36/SEOJK.03/2017 concerning
Cara Penggunaan Jasa Akuntan Publik dan Procedures for Using the Services of Public
Kantor Akuntan Publik Dalam Kegiatan Jasa Accountants and Public Accounting Firms in
Keuangan. Financial Services Activities.
Penilaian Tingkat Kesehatan Perusahaan Assessment of the Soundness Level of Financing
Pembiayaan dan Perusahaan Pembiayaan Companies and Sharia Financing Companies.
Syariah.
Penerapan Manajemen Risiko bagi Perusahaan the Implementation of Risk Management for
Pembiayaan dan Perusahaan Pembiayaan Financing Companies and Sharia Financing
Syariah. Companies.
Penerapan Manajemen Risiko dalam the Implementation of Risk Management in the
Penggunaan Teknologi Informasi oleh Lembaga Use of Information Technology by Non-Bank
Jasa Keuangan Nonbank. Financial Services Institutions.
4. Anggaran Dasar Perseroan; 4. Company’s Articles of Association;

5. Peraturan Internal Perseroan (mencakup 5. The Company’s Internal Regulations (including the
didalamnya kebijakan-kebijakan Perseroan Company’s policies regarding GCG).
mengenai GCG).

.05 .06 .07
Dalam rangka menjaga peraturan internal Perseroan To keep the relevancy of the Company’s internal
tetap relevan sesuai dengan kondisi organisasi, strategi regulations in accordance with organizational
Perseroan dan peraturan yang berlaku mengenai condition, the Company’s strategy and applicable
GCG, Perseroan secara berkala melakukan tinjauan regulations regarding GCG, the Company periodically
dan evaluasi terhadap kelengkapan dan pengkinian reviews and evaluates the completeness and updating
peraturan internal Perseroan. of the Company’s internal regulations.
PENERAPAN PRINSIP GCG IMPLEMENTATION OF GCG PRINCIPLES
Bercermin pada pentingnya GCG, maka Perseroan Considering the importance of GCG, the Company
memastikan bahwa prinsip-prinsip GCG diterapkan ensures that GCG principles are applied to every aspect
pada setiap aspek bisnis dan di semua jajaran of the business and at all levels of the company. GCG
perusahaan. Prinsip GCG, keterbukaan, akuntabilitas, principles of openness, accountability, responsibility,
pertanggungjawaban, kemandirian serta kesetaraan independence, as well as equality and fairness
dan kewajaran diperlukan untuk mencapai are necessary to achieve the company’s business
kesinambungan usaha (sustainability) perusahaan sustainability by paying attention to stakeholders.
dengan memperhatikan pemangku kepentingan
(stakeholders).
Perseroan mengimplementasikan Prinsip GCG melalui The Company implements the GCG Principles through
beberapa hal sebagai berikut: the following policies:
• Perseroan mengungkapkan informasinya secara tepat waktu, jelas dan mudah diakses oleh
para pemangku kepentingan (stakeholders) melalui website Perseroan.
• Penerapan keterbukaan dalam proses pengambilan keputusan pada rapat Direksi, rapat
Dewan Komisaris dan rapat komite-komite dibawah Dewan Komisaris ataupun Direksi.
Keterbukaan
• The Company discloses its information timely, clearly and easily accessible for stakeholders through
Transparency
the Company’s website.
• The Company implements transparency in the decision-making process at Board of Directors
meetings, Board of Commissioners meetings and meetings of committees under the Board of
Commissioners or the Board of Directors.
• Perseroan menetapkan tanggung jawab yang jelas dari masing-masing organ organisasi
yang selaras dengan visi, misi, sasaran strategi dan usaha Perseroan. Hal ini dapat dilihat
pada struktur organisasi Perseroan, dimana tiap organ organisasi bertindak sesuai dengan
tanggung jawabnya.
• Direksi dan Dewan Komisaris mempertanggungjawabkan kinerjanya kepada pemegang
saham melalui Rapat Umum Pemegang Saham (RUPS) Tahunan.
• Perseroan menetapkan Kode Etik dan Pedoman Tingkah Laku, kebijakan mengenai sistem
penghargaan dan hukuman (reward and punishment system), serta kebijakan mengenai
sistem pendeteksian dini (early warning system) di Perseroan.
Akuntabilitas • Perseroan membentuk komite untuk membantu Direksi ataupun Dewan Komisaris dalam
Accountability pelaksanaan tugasnya.
• The Company establishes clear responsibilities of each organ in the organization that are in line with
the Company’s vision, mission, strategic objectives and business. It is reflected from the Company’s
organization structure as each organ acts according to its responsibilities.
• The Board of Directors and the Board of Commissioners are accountable for their performance to
shareholders through the Annual General Meeting of Shareholders (GMS).
• The Company establishes a Code of Ethics and Code of Conduct, policies regarding the reward and
punishment system and policies regarding the early warning system in the Company.
• The Company forms a committee to assist the Board of Directors or the Board of Commissioners in
carrying out their duties.

.01 .02 .03 .04
• Sebagai bentuk tanggung jawab Direksi dalam penerapan manajemen risiko, Perseroan
menetapkan Policy Manajemen Risiko, membentuk fungsi manajemen risiko, Komite
Manajemen Risiko dan Komite Pemantau Risiko.
• Perseroan melaksanakan program Corporate Social Responsibility sebagai bentuk kontribusi
berkelanjutan Perseroan kepada konsumen atau masyarakat sekitar yang dapat memberikan
dampak positif bagi lingkungan.
• Sebagai bentuk tanggung jawab kepada konsumen, Perseroan telah menjelaskan hal-hal
yang perlu diketahui oleh calon konsumen ketika akan menandatangani perjanjian atau
akad pembiayaan dengan Perseroan. Selain itu, dalam penanganan pengaduan, Perseroan
Pertanggungjawaban
telah memiliki kebijakan mengenai penanganan pengaduan.
Responsibility
• As a responsibility of the Board of Directors in implementing risk management, the Company
establishes a Risk Management Policy, risk management function, a Risk Management Committee and
a Risk Oversight Committee.
• The Company implements the Corporate Social Responsibility program as the Company’s sustainable
contribution to consumers or the surrounding community that can have a positive impact on the
environment.
• As a responsibility to consumers, the Company has explained information that prospective customers
need to know prior to signing a financing agreement or contract with the Company. In addition, the
Company has a policy regarding the handling of complaints.
• Perseroan dikelola secara mandiri dan profesional serta bebas dari segala tekanan dan
intervensi dari pihak lain.
• Personil Perseroan senantiasa menghindari segala bentuk benturan kepentingan
Kemandirian sebagaimana yang diatur dalam Kode Etik dan Pedoman Tingkah Laku Perseroan.
Independency • The Company is managed independently and professionally and free from any pressure and
intervention from other parties.
• The Company’s employees always avoid any form of conflict of interest as regulated in the Company’s
Code of Ethics and Code of Conduct.
• Perseroan senantiasa memperhatikan kepentingan seluruh pemangku kepentingan
(stakeholders) berdasarkan asas kesetaraan dan kewajaran (equal treatment).
Kesetaraan dan Kewajaran • Perseroan memberikan kesempatan bagi pemegang saham untuk menyampaikan pendapat
Fairness pada RUPS.
• The Company always pays attention to the interests of all stakeholders based on equal treatment.
• The Company provides an opportunity for shareholders to give opinions at the GMS.
IMPLEMENTASI PEDOMAN TATA KELOLA PERUSAHAAN IMPLEMENTATION OF PUBLIC COMPANY GOVERNANCE

TERBUKA GUIDELINES
Berdasarkan POJK Nomor 21/POJK.04/2015 tentang In accordance with POJK Number 21/POJK.04/2015
Penerapan Pedoman Tata Kelola Perusahaan Terbuka Concerning Implementation of Corporate Governance
dan SEOJK Nomor 32/SEOJK.04/2015 tentang Pedoman Guidelines for Public Company and SEOJK Number
Tata Kelola Perusahaan Terbuka, terdapat 5 (lima) 32/SEOJK.04/2015 Concerning Guidelines for the
aspek, 8 (delapan) prinsip tata kelola perusahaan yang Governance of Public Company, there are 5 (five)
baik, serta 25 (dua puluh lima) rekomendasi penerapan aspects, 8 (eight) principles and 25 (twenty five)
aspek dan prinsip GCG. recommendations for the implementation of aspects
and principles of good corporate governance.

.05 .06 .07
Implementasi Pedoman Tata Kelola Perusahaan Terbuka The implementation of the Public Company Governance
di Perseroan dijelaskan sebagai berikut: Guidelines in the Company is presented as follows:
Rekomendasi Pelaksanaan
No
Recommendation Implementation
A. Aspek Hubungan Perusahaan Terbuka dengan Pemegang Saham Dalam Menjamin Hak-Hak Pemegang Saham
Aspects of Public Company Relations with Shareholders in Ensuring Shareholders Rights
Prinsip 1
Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS)
Principle 1
Enhancing the Values of General Meeting of Shareholders Implementation (GMS)
Implementasi: Sesuai
Teknis pengumpulan suara dalam RUPS Perseroan diatur dalam Tata

Tertib RUPS (disampaikan kepada pemegang saham yang hadir sebelum
penyelenggaraan RUPS) dan dalam Anggaran Dasar Perseroan untuk
mengedepankan independensi dan kepentingan pemegang saham.
Sebagai bentuk transparansi kepada pemegang saham, tata tertib RUPS
Perseroan dapat diunduh pada website Perseroan: www.wom.co.id.
Dalam RUPST dan RUPSLB yang diselenggarakan pada tanggal 30 Maret

2021, teknis pengumpulan suara terkait setiap usul yang diajukan
dalam setiap mata acara RUPS dilakukan secara lisan dengan meminta
kepada pemegang saham dan/atau kuasanya untuk mengangkat tangan
bagi yang memberikan suara tidak setuju dan abstain, sedangkan
yang memberikan suara setuju tidak diminta mengangkat tangan.
Perusahaan terbuka memiliki cara atau Selanjutnya, suara pemegang saham dan/atau kuasanya yang tidak
prosedur teknis pengumpulan suara (voting) setuju dan abstain akan dihitung oleh notaris.
baik secara terbuka maupun tertutup
yang mengedepankan independensi dan Terhadap suara abstain dianggap mengeluarkan suara yang sama
kepentingan pemegang saham. dengan suara mayoritas pada pemegang saham yang mengeluarkan
1.1
suara.
A public company has a technical method or
procedure for voting, both openly and privately, Implementation: Appropriate
that prioritizes the independence and interests
of shareholders. The technique for collecting votes at the Company's GMS is regulated in the
GMS Rules of Conduct (submitted to shareholders who are present before
the GMS) and in the Company's Articles of Association to prioritize the
independence and interests of shareholders. As a form of transparency to
shareholders, the rules of the Company's GMS can be downloaded on the
Company's website: www.wom.co.id.
In the AGMS and EGMS on March 30, 2021, the technique of vote collection
related to each proposal submitted in each GMS agenda is carried out verbally
by asking the shareholders and/or their proxies to raise their hands for those
who disagree and abstain on the agenda. Meanwhile, those who agree with
the agenda were not asked to raise their hands. Furthermore, the ‘disagree’
and ‘abstain’ votes will be counted by a notary.
The abstention vote is deemed to have cast the same vote as the majority vote
of the voting shareholders.

.01 .02 .03 .04
No
Kehadiran seluruh anggota Direksi dan Dewan Komisaris pada saat

RUPST dan RUPSLB tanggal 30 Maret 2021 baik secara fisik maupun
Seluruh anggota Direksi dan anggota melalui media telekonferensi (video conference) adalah sebagai berikut:
Dewan Komisaris Perusahaan Terbuka hadir 5 (lima) anggota Dewan Komisaris = 100% (seratus persen).
dalam RUPST. 5 (lima) anggota Direksi = 100% (seratus persen).
1.2
All members of the Board of Directors and the Implementation: Appropriate
Board of Commissioners of a Public Company
attended the AGMS. The attendance rate of all members of the Board of Directors and Board of
Commissioners at the AGMS and EGMS on March 30, 2021, both physically
and through video conference media are as follows:
Five members of the Board of Commissioners = 100% (one hundred percent).
Five members of the Board of Directors = 100% (one hundred percent).
Perseroan telah mempublikasikan ringkasan risalah RUPS pada halaman

Ringkasan risalah RUPS tersedia dalam Situs website Perseroan dan tersedia selama lebih dari 1 (satu) tahun.
Web Perusahaan Terbuka paling sedikit Ringkasan risalah RUPST dapat diunduh pada website Perseroan:
selama 1 (satu) tahun. www.wom.co.id.
1.3
The summary of the minutes of the GMS is Implementation: Appropriate
available on the Public Company’s Website for at
least one year. The Company has published the summary of the minutes of the GMS on the
Company's website. It is available for more than one year. The summary of the
minutes of the AGMS can be downloaded on the Company's website:
www.wom.co.id.
Prinsip 2
Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor
Principle 2
Enhancing the Quality of Public Company Communication with Shareholders or Investors
Ketentuan internal Perseroan mengenai komunikasi dengan publik

termasuk kepada pemegang saham maupun investor diatur dalam Kode
Perusahaan Terbuka memiliki suatu
Etik dan Pedoman Tingkah Laku Perseroan serta Kebijakan Komunikasi
kebijakan komunikasi dengan pemegang
Dengan Pemegang Saham atau Investor Tahun 2019.
saham atau investor.
2.1
Implementation: Appropriate
The Public Company has a communication policy
with shareholders or investors.
The Company's internal provisions regarding communication with the public,
including to shareholders and investors, are regulated in the Company’s Code
of Ethics and Code of Conduct as well as the Communication Policy with
Shareholders or Investors in 2019.
Perusahaan Terbuka mengungkapkan
Perseroan telah mengungkapkan Kode Etik dan Pedoman Tingkah Laku
kebijakan komunikasi Perusahaan Terbuka
Perseroan serta Kebijakan Komunikasi Dengan Pemegang Saham atau
dengan pemegang saham atau investor
Investor Tahun 2019 pada website Perseroan : www.wom.co.id
dalam Situs Web.
2.2
The Public Company discloses the Public
Company's communication policies with
The Company has disclosed the Company's Code of Ethics and Code of
shareholders or investors on the Website.
Conduct and its Communication Policy with Shareholders or Investors in 2019
on the Company's website: www.wom.co.id

.05 .06 .07
No
B. Aspek Fungsi dan Peran Dewan Komisaris

Aspects of the Functions and Roles of the Board of Commissioners
Prinsip 3
Memperkuat Keanggotaan dan Komposisi Dewan Komisaris
Principle 3
Strengthening the Membership and Composition of the Board of Commissioners
Jumlah anggota Dewan Komisaris Perseroan telah sesuai dengan

ketentuan peraturan perundang-undangan yang berlaku dan telah
mempertimbangkan kebutuhan, kondisi dan kemampuan Perseroan.
Penentuan jumlah anggota Dewan
Per Desember 2021, Dewan Komisaris Perseroan yang menjabat
Komisaris mempertimbangkan kondisi
berjumlah 5 (lima) orang, dimana 40% (empat puluh persen) merupakan
Perusahaan Terbuka.
Komisaris Independen.
3.1
The determination of total members of the
Board of Commissioners takes into account the
conditions of the Public Company.
The total members of the Company's Board of Commissioners is in accordance
with the provisions of the applicable laws and it has taken into account the
needs, conditions and capabilities of the Company.
As of December 2021, there are five members of the Company's Board of

Commissioners with 40% of the members are Independent Commissioners.
Penentuan komposisi anggota Dewan Komisaris dilakukan dengan

memperhatikan keberagaman keahlian, pengetahuan dan pengalaman
yang dibutuhkan untuk mendukung pelaksanaan tugasnya selaku
Penentuan komposisi anggota Dewan anggota Dewan Komisaris. Komposisi Dewan Komisaris Perseroan telah
Komisaris memperhatikan keberagaman mencerminkan keberagaman anggotanya, baik dalam hal pendidikan
keahlian, pengetahuan dan pengalaman (bidang studi), pengalaman kerja, usia yang dapat dilihat dari profil
yang dibutuhkan. masing-masing anggota Dewan Komisaris Perseroan.
3.2
The determination of the composition of the Implementation: Appropriate
Board of Commissioners members takes into
account the diversity of expertise, knowledge The determination of the composition of the Board of Commissioners members
and experience required. is carried out by taking into account the diversity of expertise, knowledge
and experience required to support the implementation of their duties as the
Board of Commissioners members. The composition of the Company's Board
of Commissioners has reflected the diversity of its members, both in terms of
education, work experience and age, which presented in the profile of each
member of the Company's Board of Commissioners.

.01 .02 .03 .04
No
Prinsip 4
Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris
Principle 4
Improving the Quality of the Board of Commissioners Duties and Responsibilities
Kebijakan penilaian Dewan Komisaris diatur dalam Piagam Dewan

Komisaris yang dapat diakses melalui website Perseroan:
www.wom.co.id.
Dalam Piagam Dewan Komisaris tersebut mengatur bahwa penilaian

kinerja Dewan Komisaris dilakukan secara berkala dalam rangka
Dewan Komisaris mempunyai kebijakan peningkatan kualitas pelaksanaan tugas dan tanggung jawab Dewan
penilaian sendiri (self-assessment) untuk Komisaris serta berdasarkan pada tolak ukur yang disusun oleh Komite
menilai kinerja Dewan Komisaris. Nominasi dan Remunerasi.
4.1
The Board of Commissioners has a self- Implementation: Appropriate
assessment policy to assess the Board of
Commissioners’s performance. The Board of Commissioners' assessment policy is regulated in the Board of
Commissioners' Charter. It is accessible on the Company's website:
www.wom.co.id.
The Board of Commissioners Charter stipulates that the performance

assessment of the Board of Commissioners is carried out periodically in order
to improve the quality of the implementation of the Board of Commissioners’
duties and responsibilities as well as based on the benchmarks arranged by the
Nomination and Remuneration Committee.
Kebijakan penilaian sendiri (self assessment)
untuk menilai kinerja Dewan Komisaris, Kebijakan penilaian Dewan Komisaris telah diatur dalam Piagam Dewan
diungkapkan melalui Laporan Tahunan Komisaris dan mekanisme penilaian Dewan Komisaris diungkapkan
Perusahaan Terbuka. dalam Laporan Tahunan Perseroan.
4.2
The self-assessment policy to assess the Implementation: Appropriate
performance of the Board of Commissioners is
disclosed through the Public Company’s Annual The Board of Commissioners' assessment policy has been regulated in the
Report. Board of Commissioners Charter and the Board of Commissioners' assessment
mechanism is disclosed in the Company's Annual Report.

.05 .06 .07
No
Dalam Piagam Dewan Komisaris Perseroan terdapat ketentuan bahwa

jabatan anggota Dewan Komisaris dapat berakhir jika anggota Dewan
Komisaris yang bersangkutan tidak lagi memenuhi persyaratan
peraturan perundang-undangan yang berlaku.
Persyaratan peraturan perundang-undangan yang berlaku yang

dimaksud dalam Piagam Dewan Komisaris tersebut mencakup juga
persyaratan yang diatur dalam POJK Nomor 33/POJK.04/2014 tentang
Direksi dan Dewan Komisaris Emiten Atau Perusahaan Publik yang
Dewan Komisaris mempunyai kebijakan
menyebutkan bahwa anggota Dewan Komisaris selama menjabat harus
terkait pengunduran diri anggota Dewan
memenuhi persyaratan tidak pernah dihukum karena melakukan tindak
Komisaris apabila terlibat dalam kejahatan
pidana yang merugikan keuangan negara dan/atau yang berkaitan
keuangan.
dengan sektor keuangan.
4.3
The Board of Commissioners has a policy
regarding the resignation of the Board of
Commissioners members if they are involved in
In the Charter of the Company's Board of Commissioners there is a provision
financial crime.
that the position of a member of the Board of Commissioners may end if
the member of the Board of Commissioners concerned no longer meets the
requirements of the applicable laws and regulations.
The requirements of the applicable laws and regulations referred to in the

Board of Commissioners Charter include the requirements stipulated in
POJK Number 33/POJK.04/2014 concerning the Board of Directors and
Board of Commissioners of Issuers or Public Companies. It is stated the the
Board of Commissioners members during their term of office must meet
the requirements that they have not been convicted of a criminal act that is
detrimental to state finances and/or related to the financial sector.
Dewan Komisaris atau Komite yang
menjalankan fungsi Nominasi dan
Perseroan telah memiliki Kebijakan Suksesi Dalam Proses Nominasi
Remunerasi menyusun kebijakan suksesi
Anggota Direksi Versi 01 Tahun 2021 yang disusun oleh Komite
dalam proses Nominasi anggota Direksi.
Nominasi dan Remunerasi dan disetujui oleh Dewan Komisaris.
4.4
The Board of Commissioners or the
Committee that carries out the Nomination
and Remuneration function shall formulate a
The Company has a Succession Policy in the Nomination Process for the Board
succession policy in the nomination process of
of Directors members Version 01 of 2021, prepared by the Nomination and
the Board of Directors members.
Remuneration Committee and approved by the Board of Commissioners.

.01 .02 .03 .04
No
C. Aspek Fungsi dan Peran Direksi

Aspects of Board of Directors Functions and Roles
Prinsip 5
Memperkuat Keanggotaan dan Komposisi Direksi
Principle 5
Strengthening the Membership and Composition of the Board of Directors
Jumlah anggota Direksi Perseroan telah sesuai dengan ketentuan

peraturan perundang-undangan yang berlaku dan telah
mempertimbangkan kebutuhan, kondisi dan kemampuan Perseroan.
Penentuan jumlah anggota Direksi
Terkait dengan pengunduran diri dari Bapak Zacharia Susantadiredja
mempertimbangkan kondisi Perusahaan
sebagai salah satu anggota Direksi WOMF efektif per tanggal 15
Terbuka serta efektifitas dalam
November 2021 maka per Desember 2021, Direksi Perseroan yang
pengambilan keputusan.
menjabat berjumlah 4 (empat) orang.
5.1
The determination of the total members of
the Board of Directors takes into account the
conditions of the Public Company and the
The total members of the Company's Board of Directors is in accordance
effectiveness in decision making.
with the provisions of the applicable laws and regulations and has taken into
account the needs, conditions and capabilities of the Company.
In relation to the resignation of Mr. Zacharia Susantadiredja as the Board

of Directors member of WOMF effective as of November 15, 2021, as of
December 2021, there are four members of the Company’s Board of Directors.
Penentuan komposisi anggota Direksi dilakukan dengan memperhatikan

keberagaman keahlian, pengetahuan dan pengalaman yang dibutuhkan
untuk mendukung pelaksanaan tugasnya selaku anggota Direksi.
Penentuan komposisi anggota Direksi Komposisi anggota Direksi Perseroan telah mencerminkan keberagaman
memperhatikan, keberagaman keahlian, anggotanya, baik dalam hal pendidikan (bidang studi), pengalaman
pengetahuan dan pengalaman yang kerja dan usia yang dapat dilihat dari profil masing-masing anggota
dibutuhkan. Direksi Perseroan.
5.2
The determination of the composition of the Implementation: Appropriate
Board of Directors members takes into account
the diversity of expertise, knowledge and The determination of the composition of the Board of Directors members is
experience required. carried out by taking into account the diversity of expertise, knowledge and
experience required to support the implementation of their duties as the Board
of Directors members. The composition of the Company's Board of Directors
members has reflected the diversity of its members, both in terms of education,
work experience and age which can be seen in the profile of each member of
the Company's Board of Directors.

.05 .06 .07
No
Implementasi: Jelaskan
Sehubungan dengan pengunduran diri Bapak Zacharia Susantadiredja

selaku Direktur Perseroan yang membawahi bidang akuntansi dan
keuangan efektif pada tanggal 15 November 2021, maka wewenang
untuk membawahi bidang akuntansi dan keuangan Perseroan dialihkan
kepada Presiden Direktur efektif pada tanggal 16 November 2021.
Anggota Direksi yang membawahi bidang
Informasi lebih lanjut mengenai keahlian dan pengetahuan Presiden
akuntansi atau keuangan memiliki keahlian
Direktur Perseroan, dapat melihat profil Bapak Djaja Suryanto Sutandar
dan/atau pengetahuan di bidang akuntansi.
selaku Presiden Direktur dan Sekretaris Perusahaan.
5.3
The Board of Directors members in charge of
Implementation: Explain
accounting or finance have expertise and/or
knowledge in accounting.
In line with the resignation of Mr. Zacharia Susantadiredja as the Company's
Director in charge of accounting and finance effective on November 15,
2021, the authority to oversee the accounting and finance of the Company is
transferred to the President Director effective on November 16, 2021.
For further information regarding the skills and knowledge of the Company’s
President Director, please take a look at the profile of Mr. Djaja Suryanto
Sutandar as President Director and Corporate Secretary.
Prinsip 6
Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.
Principle 6
Improving Quality of Board of Directors Duties and Responsibilities.
Kebijakan penilaian Direksi diatur dalam Piagam Direksi yang dapat

diakses melalui website Perseroan: www.wom.co.id.
Dalam Piagam Direksi tersebut mengatur bahwa penilaian kinerja

Direksi ditetapkan dalam Key Performance Indicator (KPI), serta
evaluasi kinerja Direksi dilakukan secara mandiri (self assessment) untuk
Direksi mempunyai kebijakan penilaian kemudian disampaikan kepada Komite Nominasi dan Remunerasi
sendiri (self assessment) untuk menilai untuk dievaluasi. Hasil evaluasi Komite Nominasi dan Remunerasi akan
kinerja Direksi. disampaikan kepada Dewan Komisaris.
6.1
The Board of Directors has a self-assessment Implementation: Appropriate
policy to assess the Board of Directors’
performance. The Board of Directors assessment policy is regulated in the Board of Directors
Charter which can be accessed through the Company's website: www.wom.co.id.
The Board of Directors Charter stipulates that the Board of Directors'

performance assessment is set out in Key Performance Indicators (KPI) and
the Board of Directors' performance evaluation is carried out through self-
assessment to be submitted to the Nomination and Remuneration Committee
for evaluation. The results of the Nomination and Remuneration Committee
evaluation will be submitted to the Board of Commissioners.

.01 .02 .03 .04
No
Kebijakan penilaian sendiri (self assessment)
Kebijakan penilaian Direksi telah diatur dalam Piagam Direksi dan
untuk menilai kinerja Direksi diungkapkan
penilaian kinerja Direksi diungkapkan dalam Laporan Tahunan
melalui laporan tahunan Perusahaan
Perseroan.
Terbuka.
6.2
The self-assessment policy to assess the
performance of the Board of Directors is
The Board of Directors assessment policy has been regulated in the Board
disclosed in the Public Company's annual report.
of Directors Charter and the Board of Director’s performance assessment is
disclosed in the Company's Annual Report.
Dalam Piagam Direksi terdapat ketentuan bahwa jabatan anggota

Direksi dapat berakhir jika anggota Direksi yang bersangkutan tidak lagi
memenuhi persyaratan peraturan perundang-undangan yang berlaku.
Persyaratan peraturan perundang-undangan yang berlaku yang

dimaksud dalam Piagam Direksi tersebut mencakup juga persyaratan
yang diatur dalam POJK Nomor 33/POJK.04/2014 tentang Direksi dan
Dewan Komisaris Emiten Atau Perusahaan Publik yang menyebutkan
bahwa anggota Direksi selama menjabat harus memenuhi persyaratan
Direksi mempunyai kebijakan terkait
tidak pernah dihukum karena melakukan tindak pidana yang
pengunduran diri anggota Direksi apabila
merugikan keuangan negara dan/atau yang berkaitan dengan sektor
terlibat dalam kejahatan keuangan.
keuangan.
6.3
The Board of Directors has a policy regarding the
resignation of the Board of Directors members if
they are involved in financial crimes.
In the Board of Directors Charter, there is a provision that the Board of Directors
members may end their position if they no longer meet the requirements of the
applicable laws and regulations.
The requirements of the applicable laws and regulations referred to in the

Board of Directors Charter also include the requirements stipulated in POJK
Number 33/POJK.04/2014 concerning the Board of Directors and Board of
Commissioners of Issuers or Public Company which stated that the Board of
Directors members during their term of office must meet the requirements
that they have not been convicted of a criminal act that is detrimental to state
finances and/or related to the financial sector.

.05 .06 .07
No
D. Partisipasi Pemangku Kepentingan

Stakeholder Participation
Prinsip 7
Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan
Principle 7
Improving Corporate Governance Aspects through Stakeholder Participation
Perseroan telah mengatur ketentuan tentang pencegahan terjadinya

perdagangan orang dalam (insider trading) dalam Kode Etik dan
Pedoman Tingkah Laku Perseroan yang dapat diunduh pada website
Perseroan www.wom.co.id.
Dalam Kode Etik dan Pedoman Tingkah Laku menetapkan bahwa

personil Perseroan tidak diperkenankan melakukan transaksi dengan
menggunakan informasi orang dalam (insider information) yaitu
informasi material atau penting yang dimiliki oleh orang dalam yang
belum tersedia untuk umum; serta apabila memiliki informasi orang
dalam, maka Personil Perseroan tersebut wajib untuk tidak melakukan
Perusahaan Terbuka memiliki kebijakan
transaksi baik untuk diri sendiri maupun mempengaruhi pihak lain
untuk mencegah terjadinya insider trading.
untuk melakukan transaksi, serta tidak meneruskan atau memberikan
7.1
informasi tersebut kepada pihak lain.
The Public Company has a policy to prevent
insider trading.
The Company has regulated provisions regarding the prevention of insider

trading in the Company's Code of Ethics and Code of Conduct that can be
downloaded on the Company's website www.wom.co.id.
The Code of Ethics and Code of Conduct stipulates that the Company's
employees are not allowed to conduct transactions using insider information,
namely material or important information held by insiders that is not yet
available to the public; and if they have inside information, the Company
employees are obliged not to make transactions either for themselves or to
influence other parties to conduct transactions and not to pass on or provide
such information to other parties.
Perseroan memiliki kebijakan mengenai anti korupsi seperti Kode Etik

Perusahaan Terbuka memiliki kebijakan anti dan Pedoman Tingkah Laku dan untuk kebijakan mengenai anti-fraud
korupsi dan anti fraud. seperti Pedoman Penerapan Strategi Anti Fraud.
7.2
The Public Company has an anti-corruption and Implementation: Appropriate
anti-fraud policy.
The Company has policies on anti-corruption such as the Code of Ethics
and Code of Conduct and policies on anti-fraud such as Guidelines for the
Implementation of Anti-Fraud Strategies.

.01 .02 .03 .04
No
Perseroan telah memiliki kebijakan terkait kerjasama dealer yang

tertuang pada Kebijakan Nomor 077/SK/OPP/06-21 versi 2 yang berlaku
pada tanggal 5 Juli 2021. Selain itu Perseroan memiliki Ketentuan
tentang seleksi dan peningkatan
Vendor Management dan Pengadaan Barang serta Jasa yang tertuang
kemampuan pemasok atau vendor.
pada Kebijakan Nomor 043/SK/OPP/04-21 versi 2 yang berlaku pada
tanggal 20 Agustus 2021.
7.3 The Public Company has a policy regarding the
selection and capacity building of suppliers or
vendors.
The Company has policies related to dealer cooperation as stated in Policy
Number 077/SK/OPP/06-21 version 2 which takes effect on July 5, 2021.
In addition, the Company has provisions for Vendor Management and
Procurement of Goods and Services as stated in Policy Number 043/SK/OPP/04-
21 version 2 which takes effect on August 20, 2021.
Perusahaan Terbuka memiliki kebijakan Kebijakan terkait dengan perlindungan terhadap hak-hak kreditur
tentang pemenuhan hak-hak kreditur. tertuang dalam Pedoman Tata Kelola Perusahaan yang Baik.
7.4
The Public Company has a policy regarding the Implementation: Appropriate
fulfillment of creditors' rights.
Policies related to the protection of creditor rights are contained in the
Guidelines for Good Corporate Governance.
Perseroan telah memiliki kebijakan sistem pelaporan pelanggaran

sebagaimana tertuang pada Policy Manajemen Risiko, Kode Etik dan
sistem whistleblowing.
Pedoman Tingkah Laku Perseroan.
7.5
Public Companies have a whistleblowing system
policy.
The Company has a violation reporting system policy as stated in the
Company’s Risk Management Policy, Code of Ethics and Code of Conduct.
pemberian insentif jangka panjang kepada Perseroan telah memiliki Kebijakan Pemberian Insentif Jangka Panjang
Direksi dan karyawan. kepada Direksi dan Karyawan versi 01 Tahun 2021.
7.6
The Public Company has a policy of providing Implementation: Appropriate
long-term incentives to the Board of Directors
and employees. The Company has a Policy for Providing Long-Term Incentives to the Board of
Directors and Employees version 01 of 2021.

.05 .06 .07
No
E. Keterbukaan Informasi
Information Disclosure
Prinsip 8
Meningkatkan Pelaksanaan Keterbukaan Informasi
Principle 8
Improving the Implementation of Information Disclosure
Perusahaan Terbuka memanfaatkan Perseroan telah memanfaatkan teknologi informasi, baik website
penggunaan teknologi informasi secara Perseroan, media internal dan media komunikasi massa, untuk
lebih luas selain Situs Web sebagai media melaksanakan keterbukaan informasi kepada pemangku kepentingan
keterbukaan informasi. (stakeholders).
8.1
Public Companies utilize information technology Implementation: Appropriate
more broadly as a medium for information
disclosure. The Company has utilized information technology through the Company's
website, internal media and mass communication media, to carry out
information disclosure to stakeholders.
Laporan Tahunan Perusahaan Terbuka Implementasi: Sesuai
mengungkapkan pemilik manfaat akhir
dalam kepemilikan saham Perusahaan Laporan Tahunan Perseroan mengungkapkan:
Terbuka paling sedikit 5% (lima persen), • Daftar pemegang saham Perseroan yang memiliki saham Perseroan
selain pengungkapan pemilik manfaat 5% (lima persen) atau lebih.
akhir dalam kepemilikan saham Perusahaan
• Pemilik manfaat akhir dalam kepemilikan saham Perseroan.
Terbuka melalui pemegang saham utama
• Pemegang saham utama/pengendali Perseroan.
dan pengendali.
8.2
The Annual Report of Public Company discloses
the ultimate beneficial owner in the Public
The Company's Annual Report discloses:
Company's share ownership of at least 5% (five
percent), in addition to the disclosure of the final • List of the Company's shareholders who own 5% or more of the Company's
beneficial owner in the Public Company's share shares.
ownership through the major and controlling • The ultimate beneficial owner in the ownership of the Company's shares.
shareholders. • Major/controlling shareholders of the Company.

.01 .02 .03 .04
Struktur Tata Kelola

Governance Structure
Rapat Umum Pemegang Saham (RUPS)

Dewan Komisaris Direksi Dewan Pengawas Syariah

Board of Commissioners Board of Directors Sharia Supervisory Board
Komite Audit Komite manajemen Risiko

Audit Committee Risk Management Committee
Komite Produk dan

Komite Pemantau Risiko
Pengembangan Kegiatan
Risk Oversight Committee
Usaha Syariah
Sharia Product and Business
Development Committee
Komite Nominasi dan
Remunerasi
Nomination and Remuneration Komite Pengarah
Committee Teknologi Informasi
Steering Committee
Sekretaris Perusahaan Divisi Legal Counsel

Corporate Secretary Legal Counsel Division
Divisi Internal Audit Divisi Risk Management

Internal Audit Division Risk Management Division
Struktur tata kelola di Perseroan terdiri dari: The governance structure in the Company consists of:
1. Rapat Umum Pemegang Saham (RUPS). 1. General Meeting of Shareholders (GMS).
2. Dewan Komisaris. 2. Board of Commissioners.
3. Direksi. 3. Board of Directors.
4. Dewan Pengawas Syariah. 4. Sharia Supervisory Board.
5. Komite-komite di bawah Dewan Komisaris yaitu: 5. The committees under the Board of Commissioners are:
Komite Audit, Komite Pemantau Risiko, Komite Audit Committee, Risk Oversight Committee,
Nominasi dan Remunerasi. Nomination and Remuneration Committee.
6. Komite di bawah Direksi yaitu: 6. Committees under the Board of Directors are:
Komite Manajemen Risiko, Komite Produk dan Risk Management Committee, Sharia Product
Pengembangan Kegiatan Usaha Syariah serta and Business Development Committee and also
Komite Pengarah Teknologi Informasi. Information Technology Steering Committee.
7. Sekretaris Perusahaan (Corporate Secretary). 7. Corporate Secretary.
8. Internal Audit Division, Legal Counsel Division dan 8. Internal Audit Division, Legal Counsel Division and
Risk Management Division. Risk Management Division.

.05 .06 .07

Rapat Umum Pemegang Saham (RUPS) adalah organ The General Meeting of Shareholders (GMS) is a
Perseroan yang mempunyai wewenang yang tidak Company’s organ that has the authorities that can not
diberikan kepada Dewan Komisaris dan Direksi dalam be transfered to the Board of Commissioners or Board of
batas yang ditentukan dalam Undang-Undang tentang Directors, within the threhold as set out in the Company
Perseroan Terbatas dan/atau Anggaran Dasar Perseroan. Law and/or the Company’s Articles of Association.
RUPS dalam Perseroan terdiri dari: The Company’s GMS consists of:
1. RUPS Tahunan (RUPST) yang diselenggarakan tiap 1. The Annual GMS (AGMS) that shall be held annually
tahun dengan ketentuan paling lambat 6 (enam) at the latest 6 (six) month following the closing of
bulan setelah tahun buku Perseroan ditutup. the Company’s fiscal year.
2. RUPS lainnya yang dalam Anggaran Dasar Perseroan 2. Other GMS, namely the Extraordinary GMS (EGMS)
disebut RUPS Luar Biasa (RUPSLB) yang diadakan as stated in the Company’s Articles of Association
sewaktu-waktu berdasarkan kebutuhan Rapat. that shall be held at anytime based on Meeting
requirements.
RUPS Perseroan wajib diselenggarakan sesuai ketentuan The Company’s GMS shall be convened according
peraturan perundang-undangan yang berlaku dan to prevailing laws and regulatories as well as the
Anggaran Dasar Perseroan. Company’s Articles of Association.
Dalam mengambil keputusan, RUPS Perseroan harus In the decision making, the Company’s GMS shall
menjaga kepentingan semua pihak, khususnya maintain all parties’ interests, specifically the interest of
kepentingan Debitur, Kreditur dan kepentingan Debtors, Creditors and minority shareholders’ interest.
pemegang saham minoritas.
HAK DAN WEWENANG PEMEGANG SAHAM DALAM RUPS SHAREHOLDERS RIGHTS AND AUTHORITIES IN THE GMS
RUPS merupakan wadah bagi pemegang saham untuk The GMS is a forum for the shareholders’ to take
mengambil keputusan dengan memperhatikan dan decision with due observance to and abiding to the
tunduk pada ketentuan Anggaran Dasar, Undang rules of the articles of association, Company Law as well
Undang tentang Perseroan Terbatas maupun peraturan as relevant regulations.
perundang-undangan terkait.
Wewenang yang dimiliki pemegang saham melalui The shareholders’ authorities in the GMS are as among
RUPS diantaranya meliputi: others as follows:
1. Menyetujui perubahan Anggaran Dasar Perseroan; 1. To approve the amendment of the Company’s
Articles of Association;
2. Mengangkat dan memberhentikan anggota 2. To appoint and dismiss the members of the Board of
Direksi, anggota Dewan Komisaris dan anggota Directors, members of the Board of Commissioners
Dewan Pengawas Syariah; and members of Sharia Supervisory Board;
3. Penunjukan kantor akuntan publik yang akan 3. To appoint the public accountant firm to provide
memberikan jasa audit atas informasi keuangan audit services on historical financial data;
historis tahunan;
4. Hal-hal lain yang diajukan secara sebagaimana 4. Other matters that are proposed accordingly in the
mestinya dalam RUPS sesuai dengan ketentuan GMS in accordance with the rules of the Articles of
Anggaran Dasar. Association.

.01 .02 .03 .04
Hak pemegang saham dalam RUPS antara lain: The shareholders’ rights in the GMS are:
1. Hak untuk menghadiri dan memberikan suara pada 1. The right to attend and vote in the GMS.
RUPS.
2. Pada saat pelaksanaan RUPS, pemegang saham 2. In the GMS, the shareholders have the right to
berhak memperoleh informasi mata acara rapat attain meeting agenda and relevant material on
dan bahan terkait mata acara rapat sepanjang tidak the meeting agenda to the extend that it is not
bertentangan dengan kepentingan Perseroan. against the interests of Company.
3. Menerima bagian dari keuntungan Perseroan yang 3. To accept part of the Company’s profit intended for
diperuntukan bagi pemegang saham dalam bentuk the shareholders in a form of dividend and other
deviden dan pembagian keuntungan lainnya sesuai profitability distribution according to the prevailing
ketentuan peraturan-perundangan yang berlaku. regulatories.
TATA CARA PELAKSANAAN RUPS GMS IMPLEMENTATION PROCEDURE
Tata Cara Pelaksanaan RUPS yang diselenggarakan In implementing the GMS, the Company fully refers
Perseroan mengacu sepenuhnya pada POJK Nomor to the OJK Regulation Number 15/POJK.04/2020
15/POJK.04/2020 dan POJK Nomor 16/POJK.04/2020. and OJK Regulation Number 16/POJK.04/2020.
Adapun tata cara pelaksanaan RUPS Perseroan The procedures for the implementation of
meliputi: the Company’s GMS include:
1. RUPS diadakan di tempat kedudukan Perseroan 1. GMS is held at the Company’s address or at the place
atau di tempat Perusahaan melakukan kegiatan where the Company conducts business activities in
usaha di wilayah negara Republik Indonesia. the territory of the Republic of Indonesia.
2. Pengumuman RUPS kepada pemegang saham 2. Announcement of the GMS to shareholders shall be
dilakukan paling lambat 14 (empat belas) hari made no later than 14 (fourteen) days prior to the
sebelum pemanggilan RUPS, dengan tidak summons for the GMS, excluding the announcement
memperhitungkan tanggal pengumuman dan date and the date of the invitation.
tanggal pemanggilan.
3. Pengumuman RUPS memuat; ketentuan pemegang 3. The GMS anncouncement contains; provisions for
saham yang berhak hadir dalam RUPS; ketentuan shareholders who are entitled to attend the GMS;
pemegang saham yang berhak mengusulkan mata provisions for shareholders who are entitled to
acara rapat; tanggal penyelenggaraan RUPS; dan propose meeting agendas; the date of holding the
tanggal pemanggilan RUPS. GMS; and the date of the summons for the GMS.
4. Pemegang saham yang dapat mengusulkan mata 4. The shareholders that can propose the meeting
acara rapat merupakan 1 (satu) pemegang saham agenda are one shareholder or more who represent
atau lebih yang mewakili 1/20 (satu per dua puluh) 1/20 (one twentieth) or more of the total shares
atau lebih dari jumlah seluruh saham dengan with voting rights. The shareholders can submit
hak suara dan dapat menyampaikan usulan mata the proposed agenda for the GMS no later than 7
acara RUPS paling lambat 7 (tujuh) hari sebelum (seven) days before summon.
pemanggilan.

.05 .06 .07
5. Pemanggilan RUPS diumumkan pada surat kabar, 5. The summon for the GMS is announced on
situs web PT Bursa Efek Indonesia, situs web newspaper, the website of PT Bursa Efek Indonesia,
PT Kustodian Sentral Efek Indonesia dan situs web the website of PT Kustodian Sentral Efek Indonesia
Perseroan dalam jangka waktu paling lambat 21 (dua and the Company's website at the latest 21 (twenty
puluh satu) hari sebelum tanggal penyelenggaraan one) days prior to the GMS date by not considering
RUPS diadakan dengan tidak memperhitungkan the summon date and the GMS date.
tanggal pemanggilan dan tanggal RUPS diadakan.
6. Pemanggilan RUPS wajib mencantumkan tanggal, 6. The summon for the GMS must include the date,
waktu, tempat, ketentuan pemegang saham yang time, venue, provisions of eligible shareholders
berhak hadir, mata acara rapat, informasi bahwa to attend the meeting, the meeting agenda,
pemegang saham dapat memberikan kuasa melalui information that shareholders can delegate power
e-RUPS (eASY.KSEI) dan informasi bahwa bahan through e-GMS (eASY.KSEI), and information that
yang akan dibicarakan dalam rapat serta laporan the materials to be discussed in meetings and
tahunan tersedia di kantor Perseroan mulai dari annual reports available at the Company's office
hari dilakukan pemanggilan sampai dengan starting from the summon date until the meeting
tanggal rapat diadakan. date.
7. Semua keputusan diambil berdasarkan musyawarah 7. All decisions are made based on deliberation for
untuk mufakat. Dalam hal keputusan berdasarkan consensus. If a decision based on deliberation for
musyawarah untuk mufakat tidak tercapai, consensus is not reached, a decision can be made by
keputusan diambil melalui pemungutan suara. voting. Decisions by voting must be made by taking
Pengambilan keputusan melalui pengambilan suara into account the requirements of the quorum of
wajib dilakukan dengan memperhatikan ketentuan attendance and quorum of decisions of the GMS.
kuorum kehadiran dan kuorum keputusan RUPS.
8. Sesuai dengan SEOJK Nomor 16/SEOJK.04/2021 8. In accordance with SEOJK Number 16/SEOJK.04/2021
Tentang Bentuk dan Isi Laporan Tahunan Emiten on the Form and Content of the Annual Report of
atau Perusahaan Publik, Perseroan melakukan Issuers or Public Companies, the Company appoints
penunjukan pihak independen dalam melakukan an independent party in calculating the votes of
penghitungan suara RUPS. the GMS.
Pada tahun 2021, Perseroan telah menyelenggarakan In 2021, the Company has held 1 (one) AGMS on March
1 (satu) kali RUPST pada tanggal 30 Maret 2021 dan 30, 2021 and 1 (one) EGMS, which was held on March
1 (satu) kali RUPSLB yang diselenggarakan pada tanggal 30, 2021 in the Function Room, Sentral Senayan III 28th
30 Maret 2021 di Function Room, Sentral Senayan III Floor Jl. Asia Africa Number 8 Gelora Bung Karno –
Lantai 28 Jl. Asia Afrika Nomor 8 Gelora Bung Karno – Senayan, Central Jakarta.
Senayan Jakarta Pusat.

Mekanisme penyelenggaraan RUPST dan RUPSLB tahun The mechanism of the 2021 AGMS and EGMS has been
2021 telah dilaksanakan sesuai dengan Anggaran implemented in accordance with the Company’s Articles
Dasar Perseroan, POJK Nomor 15/POJK.04/2020 tentang of Association, POJK Number 15/POJK.04/2020 on the
Rencana dan Penyelenggaraan Rapat Umum Pemegang Planning and Organizing of a Public Company GMS and
Saham Terbuka dan POJK Nomor 16/POJK.04/2020 POJK Number 16/POJK.04/2020 on the Implementation of
tentang Pelaksanaan Rapat Umum Pemegang Saham a Public Companies Electronically.
Perusahaan Terbuka Secara Elektronik.

.01 .02 .03 .04
Teknis pengumpulan suara dalam RUPS Perseroan The vote collecting method implemented by the
sudah diatur dalam Tata Tertib RUPS (disampaikan Company’s GMS has been regulated in the GMS Rules
kepada pemegang saham yang hadir sebelum of Conduct (submitted to shareholders who were
penyelenggaraan RUPS) dan dalam Anggaran Dasar present before holding the GMS) and in the Company’s
Perseroan untuk mengedepankan independensi dan Articles of Association to promote the independence
kepentingan pemegang saham. and interests of shareholders.
PENUNJUKAN PIHAK INDEPENDEN DALAM APPOINTMENT OF INDEPENDENT PARTIES IN COUNTING

PENGHITUNGAN SUARA RUPS GMS VOTES
Sesuai dengan Surat Edaran OJK Nomor In accordance with OJK Circular Letter Number
16/SEOJK.04/2021 Tentang Bentuk dan Isi Laporan 16/SEOJK.04/2021 on the Form and Content of the
Tahunan Emiten atau Perusahaan Publik, Perseroan Annual Report of Issuers or Public Companies, the
melakukan penujukan pihak independen yakni Company appoints an independent party, namely Biro
Biro Administrasi Efek, PT Sinartama Gunita dalam Administrasi Efek, PT Sinartama Gunita in calculating/
melakukan penghitungan/validasi suara pada RUPS. validating votes at the GMS.
PENERBITAN INFORMASI RUPS GMS INFORMATION PUBLICATION
Perseroan mempublikasikan pemberitahuan, panggilan, The Company publishes notices, summons, summary of
ringkasan risalah RUPS pada surat kabar, situs web the minutes of the GMS on newspaper, the PT Bursa Efek
PT Bursa Efek Indonesia, situs web PT Kustodian Sentral Indonesia website, the PT Kustodian Sentral Efek Indonesia
Efek Indonesia dan situs web Perseroan. website and the Company's website.
PENYELENGGARAAN RUPS GMS CONVENTION
Perseroan menyelenggarakan RUPST dan RUPSLB The Company held the AGMS and EGMS on March 30,
pada 30 Maret 2021. RUPST dan RUPSLB tersebut 2021. The AGMS and EGMS were held in the Function
dilaksanakan di Function Room, Sentral Senayan III Room, Sentral Senayan III 28th Floor Jl. Asia Africa
Lantai 28 Jl. Asia Afrika Nomor 8 Gelora Bung Karno Number 8 Gelora Bung Karno – Senayan, Central
– Senayan Jakarta Pusat. Perseroan juga menyediakan Jakarta. The Company also provides an Electronic
fasilitas Electronic General Meeting System (eASY.KSEI) General Meeting System (eASY.KSEI) facility as an
sebagai media perantara antara Pemegang Saham dan intermediary medium between Shareholders and the
Perseroan. Company.

.05 .06 .07
Seluruh anggota Direksi hadir dalam RUPST dan All members of the Board of Directors were present at
RUPSLB pada 30 Maret 2021. Anggota Direksi dan the AGMS and EGMS on March 30, 2021. Members of the
Dewan Komisaris yang hadir mewakili Perseroan, Board of Directors and Board of Commissioners who were
memberikan penjelasan kepada pemegang saham present on behalf of the Company, gave explanations of
atas setiap agenda sehingga RUPST dan RUPSLB dapat each agenda to the shareholders so that the AGMS and
dilaksanakan dengan baik. EGMS could be carried out properly.
Adapun anggota Direksi dan anggota Dewan Komisaris The following is members of the Company’s Board of
Perseroan yang hadir pada saat RUPS adalah: Directors and Board of Commissioners who attended
the GMS:
Direksi | Board of Directors: Dewan Komisaris | Board of Commissioners:
• Djaja Suryanto Sutandar : Presiden Direktur • I Nyoman Tjager : Presiden Komisaris/

President Director Komisaris Independen
• Zacharia Susantadiredja : Direktur President Commissioner/
Director Independent Commissioner
• Anthony Yuarez Panggabean : Direktur • Robbyanto Budiman *) : Wakil Presiden Komisaris
Director Vice President Commissioner
• Njauw Vido Onadi : Direktur • Garibaldi Thohir *) : Komisaris
Director Commissioner
• Wibowo : Direktur • Thilagavathy Nadason : Komisaris
Director Commissioner
• Myrnie Zachraini Tamin*) : Komisaris Independen
*) Mengikuti jalannya Rapat melalui media telekonferensi (video conference).

*) Follow the meeting through teleconference media (video conference).

.01 .02 .03 .04
AGENDA RUPST 2021 2021 AGMS AGENDA
Agenda
No
Agenda
Laporan Kegiatan Perseroan Tahun Buku 2020.

1
Company Activity Report in 2020 Fiscal Year.
Pengesahan Perhitungan Tahunan Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2020.
2
Ratification of the Company's Annual Calculation for the Fiscal Year ending on December 31, 2020.
Penetapan Penggunaan Laba Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2020.
3
Determination of the use of the Company's profits for the fiscal year ending on December 31, 2020.
Penetapan Pembagian Tugas dan Wewenang para anggota Direksi Perseroan untuk Tahun Buku 2021.
4 Determination of the division of duties and authorities of the members of the Company's Board of Directors for the 2021 Fiscal
Year.
Penetapan besarnya uang jasa dan tunjangan lainnya untuk para anggota Dewan Komisaris Perseroan dan para
anggota Dewan Pengawas Syariah Perseroan, serta pelimpahan wewenang kepada Dewan Komisaris untuk
menetapkan besarnya gaji/honorarium dan/atau tunjangan lain bagi para anggota Direksi Perseroan untuk Tahun
Buku 2021.
5
Determination of the amount of service fees and other allowances for members of the Company's Board of Commissioners
and members of the Company's Sharia Supervisory Board, as well as delegation of authority to the Board of Commissioners to
determine the amount of salary/honorarium and/or other allowances for members of the Company's Board of Directors for the
2021 Fiscal Year.
Penunjukan Akuntan Publik dan Kantor Akuntan Publik yang akan melakukan audit terhadap Laporan Keuangan
Perseroan yang berakhir pada tanggal 31 Desember 2021.
6
Appointment of a Public Accountant and Public Accounting Firm to audit the Company's Financial Statements ending on
December 31, 2021.
Laporan Realisasi Penggunaan dana Hasil Penawaran Umum Perseroan selama 2020:
• Obligasi Berkelanjutan III WOM Finance Tahap III Tahun 2020.
• Obligasi Berkelanjutan III WOM Finance Tahap IV Tahun 2020.
7
Report on the Realization of the Use of Proceeds from the Company's Public Offering for 2020:
• Shelf Registration Bond III WOM Finance Phase III 2020.
• Shelf Registration Bond III WOM Finance Phase IV Year 2020.
KEPUTUSAN RUPST 30 MARET 2021 RESOLUTION OF AGMS ON MARCH 30, 2021
Hasil Voting
Voting Result
Keterangan Keputusan Jumlah Suara
No
Description Resolution Total Votes
Setuju Tidak Setuju Abstain
Agree Disagree Abstain
3.257.247.029
saham atau Jumlah saham
mewakili yang hadir
100% dari dalam RUPST
total seluruh sebanyak
Menyetujui dan menerima Laporan Kegiatan saham yang 3.257.247.029
Perseroan Tahun Buku 2020 (dua ribu dua sah yang hadir saham.
puluh) Menyetujui dalam RUPST.
1 - -
Approve The number
Approve and receive the Company's Activity Report 3,257,247,029 of shares
for the 2020 ( two thousand and twenty) Fiscal Year shares or attending the
representing AGMS was
100% of the 3,257,247,029
total valid shares.
shares present
at the AGMS.

.05 .06 .07
Hasil Voting
Voting Result
No
• Menyetujui dan mengesahkan Laporan

Keuangan Tahunan Perseroan untuk Tahun
Buku yang berakhir pada tanggal 31 (tiga puluh
satu) Desember 2020 (dua ribu dua puluh)
yang telah diaudit oleh Kantor Akuntan Publik
Purwantono, Sungkoro & Surja (firma anggota
Ernst & Young Global Limited) sebagaimana
ternyata dari laporan Auditor Independen
tertanggal 18 (delapan belas) Februari 2021
(dua ribu dua puluh satu) dengan pendapat
bahwa ”Laporan Keuangan menyajikan secara
wajar, dalam semua hal yang material, posisi
keuangan PT Wahana Ottomitra Multiartha
Tbk tanggal 31 (tiga puluh satu) Desember 2020
(dua ribu dua puluh), serta kinerja keuangan
dan arus kasnya untuk tahun yang berakhir
pada tanggal tersebut, sesuai dengan Standar
Akuntansi Keuangan di Indonesia”.
• Memberikan pembebasan dan pelunasan
sepenuhnya (acquit et de charge) kepada
para anggota Direksi dan Dewan Komisaris 3.257.247.029
Perseroan yang menjabat pada tahun 2020 (dua saham atau
ribu dua puluh) atas tindakan kepengurusan mewakili Jumlah saham
dan pengawasan yang telah mereka lakukan 100% dari yang hadir
selama Tahun Buku 2020 (dua ribu dua total seluruh dalam RUPST
puluh). Sepanjang tindakan pengurusan dan saham yang sebanyak
pengawasannya dimaksud tercermin dalam sah yang hadir 3.257.247.029
buku dan catatan Perseroan sepanjang Tahun dalam RUPST. saham.
Menyetujui
2 Buku 2020 (dua ribu dua puluh), selama tidak - -
Approve
termasuk dalam kategori tindak pidana. 3,257,247,029 The number
shares or of shares
• Approved and ratified the Company's Annual representing attending the
Financial Statements for the Fiscal Year ending on 100% of the AGMS was
December 31 (thirty one), 2020 (two thousand and total legal 3,257,247,029
twenty), as audited by the Public Accounting Firm of shares that shares.
Purwantono, Sungkoro & Surja (a member firm of were present at
Ernst & Young Global Limited) in the Independent the AGMS.
Auditor's report dated February 18 (eighteen), 2021
(two thousand and twenty one), with the opinion
that "The Financial Statements are rated unqualified
opinion, the financial position of PT Wahana
Ottomitra Multiartha Tbk as of December 31 (thirty
one), 2020 (two thousand and twenty), as well
as its financial performance and cash flows for the
fiscal year ending on the date, in accordance with
Indonesian Financial Accounting Standards".
• Provide full release and discharge (acquit et de
charge) to the members of the Board of Directors
and Board of Commissioners of the Company who
took office in 2020 (two thousand and twenty) for
the management and supervisory actions they have
carried out during the 2020 (two thousand and
twenty) Fiscal Year. As long as the management and
supervisory actions referred to are reflected in the
books and records of the Company throughout the
2020 (two thousand and twenty) Fiscal Year, as long
as it is not included in the category of criminal acts.

.01 .02 .03 .04
Hasil Voting
Voting Result
No
Menetapkan penggunaan laba untuk Tahun

Buku 2020 (dua ribu dua puluh) dengan
ketentuan sebagai berikut:
• Sebesar Rp2.500.000.000 (dua miliar lima ratus
juta Rupiah) dari laba bersih Perseroan untuk
digunakan sebagai dana cadangan umum
guna memenuhi ketentuan dalam Pasal 70
ayat (1) Undang-undang Nomor 40 Tahun 3.257.247.029
2007 tentang Perseroan Terbatas dan pasal 24 saham atau
Anggaran Dasar Perseroan; mewakili Jumlah saham
• Sisa dari laba bersih sebesar Rp54.878.437.746 100% dari yang hadir
(lima puluh empat miliar delapan ratus tujuh total seluruh dalam RUPST
puluh delapan juta empat ratus tiga puluh saham yang sebanyak
sah yang hadir 3.257.247.029
tujuh ribu tujuh ratus empat puluh enam
dalam RUPST. saham.
Rupiah) akan dicatat sebagai Laba ditahan. Menyetujui
3 - -
Approve
3,257,247,029 The number
Determine the use of profits for the 2020 Fiscal Year
shares or of shares
with the following conditions:
representing attending the
• Rp2,500,000,000 (two billion five hundred million 100% of the AGMS was
Rupiah) of the Company's net profit to be used total legal 3,257,247,029
as a general reserve fund in order to comply with shares that shares.
the provisions in Article 70 paragraph (1) of Law were present at
Number 40 of 2007 concerning Limited Liability the AGMS.
Companies and article 24 of the Company's
Articles of Association;
• The remaining net profit of Rp54,878,437,746
(fifty-four billion eight hundred seventy-eight
million four hundred thirty-seven thousand seven
hundred and forty-six Rupiah) will be recorded as
retained earnings.
Menyetujui pembagian tugas dan wewenang
para anggota Direksi Perseroan untuk Tahun 3.257.246.829 200 saham 3.257.247.029
Buku 2021 (dua ribu dua puluh satu) diusulkan saham atau atau sebesar saham atau
untuk diserahkan kepada Direksi Perseroan mewakili 0,000006% mewakili
dengan memperhatikan ketentuan dalam Pasal 99,999994% dari total 100% dari
92 ayat (6) Undang-undang Nomor 40 Tahun dari total seluruh total seluruh
2007 tentang Perseroan Terbatas, dengan seluruh saham saham yang saham yang
memperoleh persetujuan terlebih dahulu dari yang sah yang sah yang sah yang hadir
Dewan Komisaris Perseroan. hadir dalam hadir dalam dalam RUPST.
Menyetujui
4 RUPST. RUPST. -
Approve
Approve the allocation of duties and authorities 3,257,247,029
of the members of the Board of Directors of the 3,257,246,829 200 shares or shares or
Company for the 2021 (two thousand and twenty shares or 0.000006% representing
one) Fiscal Year proposed to be delegated to the representing of the total 100% of the
Board of Directors of the Company with due 99.999994% of legal shares total legal
observance of the provisions in Article 92 paragraph the total valid that were shares that
(6) of Law Number 40 of 2007 concerning Limited shares present present at were present at
Liability Companies, with prior approval from the at the AGMS. the AGMS. the AGMS.
Company's Board of Commissioners.

.05 .06 .07
Hasil Voting
Voting Result
No
• Penentuan uang jasa dan tunjangan lainnya

untuk para anggota Dewan Komisaris
Perseroan dan para anggota Dewan
Pengawas Syariah Perseroan diusulkan untuk
dilimpahkan wewenangnya kepada Presiden
Komisaris Perseroan dengan memperhatikan
usul dan rekomendasi dari Komite Nominasi
dan Remunerasi Perseroan dan besarnya
uang jasa dan atau tunjangan dalam bentuk
apapun lainnya yang telah ditetapkan bagi
anggota Dewan Komisaris dan anggota
Dewan Pengawas Syariah dimaksud akan
dicantumkan dalam Laporan Tahunan untuk
Tahun Buku 2021 (dua ribu dua puluh satu).
• Melimpahkan wewenang dan kuasa
kepada Dewan Komisaris Perseroan untuk
menentukan besarnya gaji dan/atau
tunjangan lain bagi para anggota Direksi
Perseroan untuk Tahun Buku 2021 (dua ribu
dua puluh satu) dengan memperhatikan usul 3.257.246.829 200 saham 3.257.247.029
dan rekomendasi dari Komite Nominasi dan saham atau atau sebesar saham atau
Remunerasi Perseroan dan besarnya gaji dan/ mewakili 0,000006% mewakili
atau tunjangan dalam bentuk apapun lainnya 99,999994% dari total 100% dari
yang telah ditetapkan bagi para anggota dari total seluruh total seluruh
Direksi Perseroan dimaksud akan dicantumkan seluruh saham saham yang saham yang
dalam Laporan Tahunan untuk Tahun Buku yang sah yang sah yang sah yang hadir
2021 (dua ribu dua puluh satu). hadir dalam hadir dalam dalam RUPST.
Menyetujui
5 RUPST. RUPST. -
• The auhtorization of determining fees and other Approve
allowances for members of the Company's Board 3,257,247,029
of Commissioners and members of the Company's 3,257,246,829 200 shares or shares or
Sharia Supervisory Board is delegated to the shares or 0.000006% representing
President Commissioner of the Company by taking representing of the total 100% of the
into account the proposals and recommendations 99.999994% of legal shares total legal
of the Company's Nomination and Remuneration the total valid that were shares that
Committee and the amount of fees and/or shares present present at were present at
allowances in any other form required that has at the AGMS. the AGMS. the AGMS.
been determined for the members of the Board
of Commissioners and the members of the Sharia
Supervisory Board included in the Annual Report
for the 2021 (two thousand and twenty one)
Fiscal Year.
• Delegate authority and power to the Company's
Board of Commissioners to determine the amount
of salary and/or other benefits for members of the
Company's Board of Directors for the 2021 (two
thousand and twenty one) Fiscal Year by taking
into account the proposals and recommendations
of the Company's Nomination and Remuneration
Committee and the amount of salary and/or
other benefits in any other form that has been
determined for the members of the Board of
Directors of the Company included in the Annual
Report for the 2021 (two thousand and twenty
one) Fiscal Year.

.01 .02 .03 .04
Hasil Voting
Voting Result
No
• Menyetujui penunjukan Tuan Christophorus

Alvin Kossim dan Kantor Akuntan Publik
Purwantono, Sungkoro & Surja (firma anggota
Ernst & Young Global Limited) masing-masing
sebagai Akuntan Publik dan Kantor Akuntan
Publik untuk mengaudit Laporan Keuangan
Perseroan untuk Tahun Buku yang berakhir
pada tanggal 31 (tiga puluh satu) Desember
2021 (dua ribu dua puluh satu) dengan biaya
jasa audit setinggi-tingginya Rp618.000.000
(enam ratus delapan belas juta Rupiah) (tidak
termasuk pajak dan OPE) dengan syarat-syarat
yang dianggap baik.
• Memberikan wewenang dan kuasa kepada
Dewan Komisaris untuk melaksanakan hal-
hal dipandang perlu sehubungan dengan
3.257.247.029 3.257.247.029
penunjukan Akuntan Publik dan/atau Kantor
saham atau saham atau
Akuntan Publik pengganti dalam hal Akuntan mewakili mewakili
Publik Tuan Christophorus Alvin Kossim dan/ 100% dari 100% dari
atau Kantor Akuntan Publik Purwantono, total seluruh total seluruh
Sungkoro & Surja (firma anggota Ernst & saham yang saham yang
Young Global Limited) karena sebab apapun sah yang hadir sah yang hadir
tidak dapat menyelesaikan audit Laporan dalam RUPST. dalam RUPST.
Menyetujui
6 Keuangan Perseroan untuk Tahun Buku yang - -
Approve
berakhir pada tanggal 31 (tiga puluh satu) 3,257,247,029 3,257,247,029
Desember 2021 (dua ribu dua puluh satu) shares or shares or
termasuk penetapan syarat-syarat lainnya representing representing
tentang penunjukan Akuntan Publik dan/ 100% of the 100% of the
atau Kantor Akuntan Publik pengganti total legal total legal
dengan memperhatikan rekomendasi Komite shares that shares that
were present at were present at
Audit Perseroan dan peraturan perundang-
the AGMS. the AGMS.
undangan yang berlaku.
• Memberi wewenang dan kuasa dengan hak
substitusi kepada Direksi Perseroan untuk
melaksanakan hal-hal yang dipandang
perlu sehubungan dengan penunjukan
Tuan Christophorus Alvin Kossim dan Kantor
Akuntan Publik Purwantono, Sungkoro &
Surja (firma anggota Ernst & Young Global
Limited) masing-masing sebagai Akuntan
Publik dan Kantor Akuntan Publik yang
melaksanakan audit Laporan Keuangan
Perseroan untuk Tahun Buku yang berakhir
pada tanggal 31 (tiga puluh satu) Desember
2021 (dua ribu dua puluh satu), termasuk
untuk memberitahukan dan mengumumkan
ke publik (jika diperlukan).

.05 .06 .07
Hasil Voting
Voting Result
No
• Approve the appointment of Mr. Christophorus

Alvin Kossim and the Public Accounting
Firm, Purwantono, Sungkoro & Surja (a member
firm of Ernst & Young Global Limited) as
Public Accountant and Public Accounting Firm
respectively to audit the Company's Financial
Statements for the Fiscal Year ending on December
31 (thirty one), 2021 (two thousand and twenty
one) with audit service fee of a maximum of
Rp618,000,000 (six hundred and eighteen million
Rupiah) (excluding taxes and OPE) on conditions
that are considered good.
• Grant authority and power to the Board of
Commissioners to carry out matters deemed
necessary in connection with the appointment
of a substitute Public Accountant and/or Public
Accounting Firm in the case of Public Accountant
Mr. Christophorus Alvin Kossim and/or Public
Accounting Firm of Purwantono, Sungkoro & Surja
(a member firm of Ernst & Young Global Limited)
for whatever reason was unable to complete the
audit of the Company's Financial Statements for
the Fiscal Year ending on December 31 (thirty
one), 2021 (two thousand and twenty one),
including the determination of other requirements
regarding the appointment of a substitute Public
Accountant and/or Public Accounting Firm by
taking into account the recommendations of
the Company's Audit Committee and applicable
regulation.
• Grant authority and power with substitution rights
to the Board of Directors of the Company to carry
out matters deemed necessary in connection
with the appointment of Mr. Christophorus
Alvin Kossim and Purwantono, Sungkoro & Surja
(member firm of Ernst & Young Global Limited) as
Public Accountant and Public Accounting Firm that
audits the Company's Financial Statements for the
Fiscal Year ending on December 31 (thirty one),
2021 (two thousand and twenty one), including
notify and announce to the public (if necessary).

.01 .02 .03 .04
Hasil Voting
Voting Result
No
Menerima pertanggungjawaban realisasi

penggunaan dana dari seluruh dana Penawaran
Umum Berkelanjutan Obligasi Berkelanjutan III
WOM Finance Tahap III Tahun 2020 (dua ribu
dua puluh) dan Penawaran Umum Berkelanjutan
Obligasi Berkelanjutan III WOM Finance Tahap IV
Tahun 2020 (dua ribu dua puluh) sebagaimana
tercantum dalam Laporan Tahunan Perseroan Tahun
Buku 2020 (dua ribu dua puluh) yang telah kami
sampaikan kepada Otoritas Jasa Keuangan serta
yang uraian singkatnya telah disampaikan dalam
7 Rapat.* - - - - -
Accept accountability for the realization of the use of

funds of the WOM Finance Shelf Registration Bond III
Phase III 2020 (two thousand and twenty) Shelf-Registered
Public Offering and WOM Finance Shelf Registration
Bond III Phase IV 2020 (two thousand and twenty) Shelf-
Registered Public Offering as stated in the Company's
Annual Report for the 2020 (two thousand and twenty)
Fiscal Year, which have been submitted to the Financial
Services Authority and whose brief description has been
submitted at the Meeting.
*) Mata Acara Rapat Ketujuh hanya bersifat Laporan, maka tidak dilakukan sesi tanya jawab maupun pengambilan keputusan
*) The agenda of the Seventh Meeting is only in the form of a Report, so the question and answer session or decision making is not carried out
Perseroan menyelenggarakan RUPSLB tanggal 30 Maret The Company held an EGMS on March 30, 2021 at the
2021 di Function Room, Sentral Senayan III Lantai 28 Jl. Function Room, Sentral Senayan III, 28th Floor, Jl. Asia
Asia Afrika Nomor 8 Gelora Bung Karno – Senayan Jakarta Africa Number 8 Gelora Bung Karno – Senayan Central
Pusat. RUPSLB 2021 tersebut diselenggarakan secara fisik Jakarta. The 2021 EGMS was held physically and via video
dan video conference. Perseroan menyediakan fasilitas conference. The Company provides an Electronic General
Electronic General Meeting System (eASY.KSEI) sebagai Meeting System (eASY.KSEI) facility as an intermediary
media perantara antara Pemegang Saham dan Perseroan. medium between Shareholders and the Company.
AGENDA RUPSLB 30 MARET 2021 EGMS AGENDA MARCH 30, 2021
Agenda
No
Agenda
Perubahan beberapa ketentuan dalam Anggaran Dasar Perseroan untuk disesuaikan dengan peraturan perundang-
undangan yang berlaku antara lain Peraturan Otoritas Jasa Keuangan Nomor 15/POJK.04/2020 tentang Rencana dan
Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka.
1
Changes in several provisions in the Company’s Articles of Association to be adjusted to the applicable laws and regulations,
including the Financial Services Authority Regulation Number 15/POJK.04/2020 concerning the Plan and Implementation of
General Meeting of Shareholders of Public Companies.
Persetujuan atas rencana Perseroan untuk mengalihkan hak atau menjaminkan sebagian besar atau seluruh piutang
milik Perseroan dalam rangka:
• Perolehan pinjaman dan/atau pendanaan syariah dari lembaga keuangan bank (termasuk PT Bank Maybank
Indonesia Tbk) maupun bukan bank baik dalam negeri maupun luar negeri.
• Perolehan pinjaman dan/atau pendanaan dari lembaga keuangan bank (termasuk PT Bank Maybank Indonesia Tbk)
maupun bukan bank baik dalam negeri maupun luar negeri termasuk dalam Rangka Penawaran Umum Obligasi
2
Berkelanjutan pada Tahun Buku 2021.
Approval of the Company’s plan to transfer rights or pledge most or all of the Company’s receivables in the context of:
• Obtaining sharia loans and/or funding from bank financial institutions (including PT Bank Maybank Indonesia Tbk) and non-
banks both domestically and internationally.
• Obtaining loans and/or funding from bank financial institutions (including PT Bank Maybank Indonesia Tbk) and non-banks both
domestically and abroad are included in the Context of Public Offering of Shelf-Registered Bonds for the 2021 Fiscal Year.

.05 .06 .07
KEPUTUSAN RUPSLB 30 MARET 2021 EGMS RESOLUTION MARCH 30, 2021
Hasil Voting
Voting Result
No
• Menyetujui perubahan beberapa ketentuan

dalam Anggaran Dasar Perseroan untuk
disesuaikan dengan peraturan perundang-
undangan yang berlaku antara lain
Peraturan Otoritas Jasa Keuangan Nomor
15/POJK.04/2020 tentang Rencana dan
Penyelenggaraan Rapat Umum Pemegang
Saham Perusahaan Terbuka.
• Melimpahkan wewenang dan kuasa
kepada Direksi Perseroan melakukan
penyesuaian Anggaran Dasar Perseroan
termasuk untuk menyusun kembali dan/
atau menegaskan kembali dalam suatu
akta Notaris (termasuk perubahan dan/
atau penambahan) serta menyelaraskan
beberapa ketentuan sehubungan
dengan perubahan dan penyusunan Jumlah
kembali ketentuan-ketentuan dalam suara setuju
Anggaran Dasar Perseroan tersebut,
sebanyak
serta memberikan wewenang dan
kuasa kepada Direksi Perseroan dengan 3.257.246.829
hak substitusi kepada Notaris untuk saham atau Jumlah saham
menyampaikan pemberitahuan dan/ mewakili yang hadir
atau permohonan persetujuan kepada 100% dari dalam RUPSLB
instansi yang berwenang dan karenanya total seluruh sebanyak
pula mengajukan permohonan surat-surat saham yang 3.257.246.829
dokumen-dokumen lainnya; singkatnya sah yang hadir saham.
melakukan segala tindakan lainnya yang Menyetujui dalam RUPSLB
1 - -
diperlukan sesuai dengan ketentuan Approve The number
Anggaran Dasar dan peraturan perundang- The number of shares
undangan yang berlaku. of approved attending the
votes was EGMS was
• Approve changes to several provisions in 3,257,246,829 3,257,246,829
the Company's Articles of Association to be shares or shares.
adjusted to the applicable laws and regulations, representing
including the Financial Services Authority 100% of the
Regulation Number 15/POJK.04/2020 on the total valid
Plan and Implementation of General Meeting of
shares present
Shareholders of Public Companies.
• Delegate authority and power to the Board of at the EGMS
Directors of the Company to make adjustments
to the Company's Articles of Association
including to rewrite and/or reaffirm in a notarial
deed (including amendments and/or additions)
as well as adjust several provisions in relation to
changes and rearrangements of the provisions
in the Company's Articles of Association as well
as granting authority and power to the Board
of Directors of the Company with the right of
substitution to a Notary to submit notification
and/or application for approval to the
competent authority and also apply for other
documents; in short, take all other necessary
actions in accordance with the provisions of the
Articles of Association and the applicable laws
and regulations.

.01 .02 .03 .04
Hasil Voting
Voting Result
No
• Menyetujui tindakan Direksi untuk

mengalihkan hak atau menjaminkan
sebagian besar atau seluruh piutang
milik Perseroan dalam rangka perolehan
pinjaman dan/atau pendanaan syariah
dari lembaga keuangan bank (termasuk
PT Bank Maybank Indonesia Tbk) maupun
bukan bank baik dalam negeri maupun
luar negeri pada tahun buku 2021 (dua ribu
dua puluh satu).
• Menyetujui tindakan Direksi untuk
mengalihkan hak atau menjaminkan
sebagian besar atau seluruh piutang
milik Perseroan dalam rangka perolehan
pinjaman dan/atau pendanaan dari
lembaga keuangan bank (termasuk PT
Bank Maybank Indonesia Tbk) maupun
bukan bank baik dalam negeri maupun Jumlah
luar negeri pada tahun buku 2021 (dua suara setuju
ribu dua puluh satu) termasuk pemberian sebanyak
jaminan dalam rangka penerbitan PUB IV 3.257.246.829
sampai jumlah setinggi-tingginya sebesar saham atau
Rp5.000.000.000.000 (lima triliun Rupiah). Jumlah saham
mewakili
• Memberi kuasa dan wewenang dengan yang hadir
100% dari
hak substitusi kepada Direksi untuk dalam RUPSLB
total seluruh
melakukan segala tindakan yang diperlukan sebanyak
saham yang
sehubungan penerbitan PUB IV dan 3.257.246.829
sah yang
pelaksanaannya dalam waktu 2 (dua) tahun saham.
hadir dalam
terhitung sejak diperolehnya pernyataan Menyetujui
2 RUPSLB. - -
efektif penerbitan PUB IV dari Otoritas Jasa Approve
Keuangan maupun untuk melakukan segala The number
tindakan yang diperlukan sehubungan The number
of shares
pengalihan hak atau pemberian jaminan of approved
attending the
hutang sebagian besar atau seluruh piutang votes was
EGMS was
milik Perseroan sebagaimana dimaksud 3,257,246,829
3,257,246,829
dalam butir 1 (satu) dan 2 (dua) di atas shares or
shares.
dengan pelaksanaannya pada tahun buku representing
2021 (dua ribu dua puluh satu). 100% of the
total valid
• Approve the actions of the Board of Directors shares present
to transfer rights or pledge most or all of at the EGMS.
the Company’s receivables in the context of
obtaining sharia loans and/or funding from
bank financial institutions (including PT Bank
Maybank Indonesia Tbk) and non-banks both
domestically and internationally in the 2021
(two thousand and twenty one) fiscal year.
• Approve the actions of the Board of Directors
to transfer rights or pledge most or all of
the Company’s receivables in the context of
obtaining loans and/or funding from bank
financial institutions (including PT Bank
Maybank Indonesia Tbk) and non-banks both
domestically and internationally in the 2021
(two thousand and twenty one) fiscal year,
including grants guarantee for the issuance
of PUB IV up to a maximum amount of
Rp5,000,000,000 (five trillion Rupiah).

.05 .06 .07
Hasil Voting
Voting Result
No
• Grant power and authority with substitution

rights to the Board of Directors to take all
necessary actions regarding the issuance of PUB
IV and its implementation within 2 (two) years
from the date of obtaining the statement of
effectiveness of the issuance of PUB IV from the
Financial Services Authority, as well as to take
all necessary actions in connection with the
transfer of rights or providing debt guarantees
for most or all of the Company's receivables
as referred to in points 1 (one) and 2 (two)
above with implementation in the 2021 (two
thousand and twenty one) fiscal year.
KEPUTUSAN DAN REALISASI RESOLUTION AND IMPLEMENTATION
Sesuai Surat Edaran OJK Nomor 16/SEOJK.04/2021 According to OJK Circular Letter Number 16/SEOJK.04/2021
Tentang Bentuk dan Isi Laporan Tahunan Emiten Atau on the Form and Content of the Annual Report of Issuers
Perusahaan Publik, Perseroan menyampaikan informasi or Public Companies, the Company submits information
mengenai RUPS tahun sebelumnya, yaitu RUPST dan regarding the previous year’s GMS, namely the AGMS and
RUPSLB tanggal 12 Maret 2020. Berikut informasi EGMS on March 12, 2020. The following is information on
keputusan dan realisasi RUPST dan RUPSLB tahun 2020: the resolutions and realization of the 2020 AGMS and EGMS:
RUPST 12 MARET 2020 AGMS ON MARCH 12, 2020
Hasil Keputusan Realisasi

No
Resolution Realization
• Menyetujui dan mengesahkan Laporan Keuangan Tahunan Perseroan untuk Tahun Buku
yang berakhir pada tanggal 31 Desember 2019 yang telah diaudit oleh Kantor Akuntan
Publik Purwantono, Sungkoro & Surja (firma anggota Ernst & Young Global Limited)
sebagaimana ternyata dari laporan Auditor Independen tertanggal 17 Februari 2020 dengan
pendapat bahwa ”Laporan Keuangan menyajikan secara wajar, dalam semua hal yang Sudah dilaksanakan
material, posisi keuangan PT Wahana Ottomitra Multiartha Tbk tanggal 31 Desember 2019, Perseroan Tahun
serta kinerja keuangan dan arus kasnya untuk tahun yang berakhir pada tanggal tersebut, 2020
1
sesuai dengan Standar Akuntansi Keuangan di Indonesia”.
• Memberikan pembebasan dan pelunasan sepenuhnya (acquit et de charge) kepada para Implemented by the
anggota Direksi dan Dewan Komisaris Perseroan yang menjabat pada tahun 2019 atas Company in 2020
tindakan kepengurusan dan pengawasan yang telah mereka lakukan selama Tahun Buku
2019. Sepanjang tindakan pengurusan dan pengawasannya dimaksud tercermin dalam buku
dan catatan Perseroan sepanjang tahun buku 2019, selama tidak termasuk dalam kategori
tindak pidana.

.01 .02 .03 .04

No
• Approved and ratified the Company’s Financial Statements for the fiscal year ended December 31,
2019, which were audited by the Public Accountant Firm Purwantono, Sungkoro & Surja, (a Member
Firm of Ernst & Young Global Limited) as stated in the Independen Auditor Report dated February 17,
2020 with opinion of ” The Financial Statement is presented fairly, in all material respects, the financial
position of PT Wahana Ottomitra Multiartha Tbk as of December 31, 2019, as well as its financial
performance and cash flows for the year ended on that date, in accordance with Indonesian Financial
Accounting Standards.”
• Granted release and discharge (acquit et de charge) to the members of the Board of Directors and
members of the Board of Commissioners of the Company who were in office during the year 2019
for any management and supervisory actions undertaken during the Fiscal Year of 2019. Provided that
the management and supervisory actions as referred to above have been reflected in the Company’s
books and accounts during the 2019 fiscal year and such actions did not count as criminal act.
• Menetapkan penggunaan laba untuk Tahun Buku 2019 dengan ketentuan sebagai berikut:
- Sebesar Rp1.000.000.000 (satu miliar Rupiah) dari laba bersih Perseroan untuk digunakan
sebagai dana cadangan umum guna memenuhi ketentuan dalam Pasal 70 ayat (1) Undang-
undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas dan pasal 24 Anggaran Dasar
Perseroan;
- Sebesar Rp77.901.392.995,2 (tujuh puluh tujuh miliar sembilan ratus satu juta tiga ratus
sembilan puluh dua ribu sembilan ratus sembilan puluh lima koma dua Rupiah) atau 30%
(tiga puluh persen) dari laba bersih Perseroan dibagikan sebagai dividen tunai untuk
Tahun Buku yang berakhir pada tanggal 31 Desember 2019 yang akan dibagikan kepada
3.481.481.480 (tiga miliar empat ratus delapan puluh satu juta empat ratus delapan puluh
satu ribu empat ratus delapan puluh) lembar saham, sehingga setiap saham memperoleh
dividen atau sekitar sebesar Rp22,4 (dua puluh dua koma empat Rupiah) per saham; Sudah dilaksanakan
- Sisa dari laba bersih sebesar Rp180.769.916.989 (seratus delapan puluh miliar tujuh ratus Perseroan Tahun
2020
2 enam puluh sembilan juta sembilan ratus enam belas ribu sembilan ratus delapan puluh
sembilan Rupiah) akan dicatat sebagai Laba ditahan. Implemented by the
• Menyetujui pembagian dividen tunai tahun buku 2019 dilaksanakan dengan ketentuan Company in 2020
sebagai berikut:
- Pemegang Saham yang berhak menerima dividen tunai tahun buku 2019 adalah pemegang
saham Perseroan yang namanya tercatat dalam buku Daftar Pemegang Saham Perseroan
pada tanggal 24 Maret 2020.
- Dividen tunai akan dibayarkan pada tanggal 15 April 2020 dengan cara membayar dividen
tunai (cash deviden) sekitar sebesar Rp22,4 (dua puluh dua koma empat Rupiah) setiap
saham. Untuk pembagian dividen dikenakan pajak sesuai dengan ketentuan yang berlaku
yang wajib dipotong Perseroan.
• Memberikan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melaksanakan
segala sesuatunya sehubungan dengan pembagian dividen tersebut serta mengumumkannya
dengan memperhatikan peraturan yang berlaku.

.05 .06 .07

No
• Determine the use of profits for the 2019 Fiscal Year with the following conditions:
- At amounting Rp1,000,000,000 (one billion Rupiah) from the Company’s net profit shall be used as
a general reserve fund to comply with the provisions of Article 70 paragraph (1) of Law Number 40
of 2007 on Limited Liability Companies and Article 24 of the Company’s Articles of Association;
- At Amounting Rp77,901,392,995.2 (seventy seven billion nine hundred one million three hundred
ninety-two thousand nine hundred ninety five point two Rupiah) or equivalent to 30% (thirty
percent) of the Company’s net profit is distributed as cash dividend for the Fiscal Year ended on
December 31, 2019 which will be distributed to 3,481,481,480 (three billion four hundred eighty
one million four hundred eighty-one thousand four hundred and eighty) shares, so that each share
will receive dividend or approximately Rp22.4 (twenty-two-point four Rupiah) per share.
- The remaining net profit of Rp180,769,916,989 (one hundred eighty billion seven hundred sixty nine
million nine hundred sixteen thousand nine hundred and eighty nine Rupiah) will be recorded as
retained earnings.
• Approved the distribution of cash dividends for the 2019 fiscal year with the following conditions:
- Shareholders who are entitled to receive cash dividend for the 2019 fiscal year are the Company’s
shareholders whose names are recorded in the Company’s Shareholders Register on March 24, 2020.
- The cash dividend will be paid on April 15, 2020 by paying cash dividends of approximately
Rp22.4 (twenty-two-point four Rupiah) per share. For the distribution of dividends subject to tax in
accordance with the applicable provisions which must be deducted by the Company.
- To grant power of attorney with substitution rights to the Board of Directors of the Company to
carry out any actions related to the distribution of such dividends and to announce it with due
observance to the applicable regulations.
• Menetapkan berakhirnya masa jabatan seluruh anggota Direksi, Dewan Komisaris dan
Dewan Pengawas Syariah Perseroan.
• Mengangkat kembali:
Tuan Djaja Suryanto Sutandar sebagai Presiden Direktur Perseroan, Tuan Zacharia
Susantadiredja, Tuan Anthony Yuarez Panggabean dan Tuan Njauw Vido Onadi masing-
masing sebagai Direktur Perseroan;
Untuk masa jabatan terhitung sejak ditutupnya Rapat ini sampai dengan ditutupnya RUPST
Perseroan pada tahun 2023.
Tuan I Nyoman Tjager sebagai Presiden Komisaris sekaligus Komisaris Independen Perseroan,
Tuan Robbyanto Budiman sebagai Wakil Presiden Komisaris Perseroan, Tuan Garibaldi Thohir
dan Nyonya Thilagavathy Nadason masing-masing sebagai Komisaris Perseroan serta Nyonya
Myrnie Zachraini Tamin sebagai Komisaris Independen Perseroan;
Perseroan pada tahun 2023. Sudah dilaksanakan
Bahwa terkait dengan usulan pengangkatan kembali Tuan I Nyoman Tjager dan Nyonya Perseroan Tahun
Myrnie Zachraini Tamin maka guna memenuhi Ketentuan Pasal 25 ayat (1) Peraturan Otoritas 2020
3
Jasa Keuangan Nomor 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau
Perusahaan Publik, pada kesempatan tersebut Tuan I Nyoman Tjager dan Nyonya Myrnie Implemented by the
Zachraini Tamin menyatakan tetap independen dalam melaksanakan jabatan selaku Company in 2020
Komisaris Independen dan pernyataan independensi tersebut juga dituangkan dalam Surat
Pernyataan Independensi.
Tuan Dr. H. Abdul Jabar Majid, MA sebagai Ketua Dewan Pengawas Syariah Perseroan, Tuan
H. Muh. Taufik Darmansyah, SE, CPA dan Tuan Dr. Ir. H. M. Nadratuzzaman Hosen masing-
masing sebagai anggota Dewan Pengawas Syariah Perseroan;
Tuan Wibowo sebagai Direktur Perseroan berlaku efektif sejak dinyatakan lulus Uji
Kelayakan dan Kepatutan oleh Otoritas Jasa Keuangan sampai dengan ditutupnya RUPST
• Menetapkan bahwa sejak ditutupnya Rapat, susunan anggota Dewan Komisaris, Direksi dan
Dewan Pengawas Syariah Perseroan adalah sebagai berikut:

.01 .02 .03 .04

No
Dewan Komisaris:
Presiden Komisaris/Komisaris Independen : Bapak I Nyoman Tjager
Wakil Presiden Komisaris : Bapak Robbyanto Budiman
Komisaris : Bapak Garibaldi Thohir
Komisaris : Ibu Thilagavathy Nadason
Komisaris Independen : Ibu Myrnie Zachraini Tamin
Direksi:
Presiden Direktur : Bapak Djaja Suryanto Sutandar
Direktur : Bapak Zacharia Susantadiredja
Direktur : Bapak Anthony Yuarez Panggabean
Direktur : Bapak Njauw Vido Onadi
Direktur : Bapak Wibowo*)
Dewan Pengawas Syariah:

Ketua : Bapak Dr.H. Abdul Jabar Majid, MA
Anggota : Bapak H. Muh.Taufik Darmansyah, SE, CPA
Anggota : Bapak Dr. Ir. H. M. Nadratuzzaman Hosen
*) dengan ketentuan pengangkatan Bapak Wibowo akan berlaku efektif sejak dinyatakan lulus Uji Kelayakan dan
Kepatutan oleh Otoritas Jasa Keuangan.
• Memberikan wewenang dan kuasa dengan hak substitusi kepada Direksi Perseroan untuk
melakukan segala tindakan yang diperlukan sehubungan dengan pengangkatan anggota
Direksi dan Dewan Komisaris serta Dewan Pengawas Syariah Perseroan tersebut, termasuk
menyatakan kembali dan/atau menegaskan kembali dalam suatu akta Notaris sehubungan
dengan pengangkatan anggota Direksi dan Dewan Komisaris serta Dewan Pengawas Syariah
Perseroan dan untuk memberitahukan dan mengumumkan ke publik (jika diperlukan) serta
untuk mengajukan pendaftaran, memperoleh penerimaan pemberitahuan atau mengajukan
persetujuan dari instansi yang berwenang.
• To determine the end of the term of office of all members of the Board of Directors, Board of
Commissioners and Sharia Supervisory Board of the Company.
• Reappointed:
Mr. Djaja Suryanto Sutandar as President Director of the Company, Mr. Zacharia Susantadiredja, Mr.
Anthony Yuarez Panggabean and Mr. Njauw Vido Onadi respectively as Director of the Company;
for the term of office commencing from the closing of this Meeting until the closing of the Company’s
Annual General Meeting of Shareholders in 2023.
• Reappointed:
Mr. I Nyoman Tjager as President Commissioner as well as Independent Commissioner of the
Company, Mr. Robbyanto Budiman as Vice President Commissioner of the Company, Mr. Garibaldi
Thohir and Mrs. Thilagavathy Nadason respectively as Commissioner of the Company and Mrs. Myrnie
Zachraini Tamin as Independent Commissioner of the Company;
for the term of office starting from the closing of this Meeting until the closing of the Company’s
Whereas in connection with the proposed reappointment of Mr. I Nyoman Tjager and Mrs. Myrnie
Zachraini Tamin, it is necessary to comply with the provisions of Article 25 paragraph (1) of the
Financial Services Authority Regulation Number 33 /POJK.04/2014 on the Board of Directors and
Board of Commissioners of Issuer or Public Company, on this occasion Mr. I Nyoman Tjager and Mrs.
Myrnie Zachraini Tamin stated that they remained independent in carrying out their positions as
Independent Commissioners and the statement of independence was also stated in the Statement of
Independence.
• Re-appointed:
Mr. Dr. H. Abdul Jabar Majid, MA as Chairman of the Company’s Sharia Supervisory Board, Mr. H.
Muh. Taufik Darmansyah, SE, CPA and Mr. Dr.Ir. H.M. Nadratuzzaman Hosen respectively as a member
of the Company’s Sharia Supervisory Board;
for the term of office commencing from the closing of this Meeting until the closing of the Company’s
• Reappointed Mr. Wibowo as Director of the Company effective from the time he passed the Fit and
Proper Test by the Financial Services Authority until the closing of the Company’s Annual General
Meeting of Shareholders in 2023.
• Determined that since the closing of the Meeting, the composition of the members of the Board of
Commissioners, Board of Directors and Sharia Supervisory Board of the Company are as follows:

.05 .06 .07

No
Board of Commissioners:
President Commissioner/Independent Commissioner : Mr. I Nyoman Tjager
Vice President Commissioner : Mr. Robbyanto Budiman
Commissioner : Mr. Garibaldi Thohir
Commissioner : Ms. Thilagavathy Nadason
Commissioner Independen : Mrs. Myrnie Zachraini Tamin
Board of Directors:
President Director : Mr. Djaja Suryanto Sutandar
Director : Mr. Zacharia Susantadiredja
Director : Mr. Anthony Yuarez Panggabean
Director : Mr. Njauw Vido Onadi
Director : Mr. Wibowo*)
Dewan Pengawas Syariah :

Ketua : Bapak Dr.H. Abdul Jabar Majid, MA
Anggota : Bapak H. Muh.Taufik Darmansyah, SE, CPA
Anggota : Bapak Dr. Ir. H. M. Nadratuzzaman Hosen
*) Provisions regarding the appointment of Mr. Wibowo will become effective after being declared to have passed the Fit and Proper Test
by the Financial Services Authority.
• Give the authority and power with substitution rights to the Company’s Directors to take all necessary
actions in connection with the appointment of the members of the Board of Directors and the
Board of Commissioners and the Sharia Supervisory Board of the Company, including restating and/
or reaffirming in a Notary deed in connection with the appointment of members of the Board of
Directors and the Board of Commissioners and the Sharia Supervisory Board of the Company and
to notify and announce to the public (if needed) and to apply for registration, receive notification or
apply for approval from the competent authority.
Pembagian tugas dan wewenang para anggota Direksi Perseroan untuk Tahun Buku 2020
diusulkan untuk diserahkan kepada Direksi Perseroan dengan memperhatikan ketentuan
dalam Pasal 92 ayat (6) Undang-Undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas, Sudah dilaksanakan
dengan memperoleh persetujuan terlebih dahulu dari Dewan Komisaris Perseroan. Perseroan tahun
4 The right to determine the duties and authorities of the members of the Company’s Board of the 2020
Directors for the 2020 Fiscal Year was proposed to be entrusted to the Company’s Board of Directors, Implemented by the
with due consideration to the provisions of Article 92 paragraph 6 (six) of Law Number 40 of 2007 Company in 2020
concerning Limited Liability Companies, by firstly obtaining the approval from the Company’s Board of
Commissioners.
• Penentuan uang jasa dan tunjangan lainnya untuk para anggota Dewan Komisaris Perseroan
dan para anggota Dewan Pengawas Syariah Perseroan diusulkan untuk dilimpahkan
wewenangnya kepada Presiden Komisaris Perseroan dengan memperhatikan usul dan
rekomendasi dari Komite Nominasi dan Remunerasi Perseroan dan besarnya uang jasa dan
atau tunjangan dalam bentuk apapun lainnya yang telah ditetapkan bagi anggota Dewan
Komisaris dan anggota Dewan Pengawas Syariah dimaksud akan dicantumkan dalam
Laporan Tahunan untuk tahun buku 2020.
• Melimpahkan wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk menentukan
besarnya gaji dan/atau tunjangan lain bagi para anggota Direksi Perseroan untuk Tahun
Buku 2020 dengan memperhatikan usul dan rekomendasi dari Komite Nominasi dan
Remunerasi Perseroan dan besarnya gaji dan/atau tunjangan dalam bentuk apapun lainnya
yang telah ditetapkan bagi para anggota Direksi Perseroan dimaksud akan dicantumkan Sudah dilaksanakan
dalam Laporan Tahunan untuk tahun buku 2020. Perseroan tahun
5 2020
• Whereas the right to determine the remuneration and other benefits for the members of the Implemented by the
Company’s Board of Commissioners and Sharia Supervisory Board was proposed to be entrusted to Company in 2020
the Company’s President Commissioner, with due consideration to the proposal and recommendations
from the Company’s Nomination and Remuneration Committee and the total of remuneration
and/or benefits in any other form that have been determined for the members of the Board of
Commissioners and members Sharia supervisory referred to above shall be disclosed in the Annual
Report for the fiscal year of 2020.
• Granted the power and authority to the Company’s Board of Commissioners to determine the
amount of salary and/or other benefits for the members of the Company’s Board of Directors for the
2020 fiscal year, with due consideration to the proposal and recommendations from the Company’s
Nomination and Remuneration Committee and the total of remuneration and/or benefits in any other
form that have been determined for the members of the Company’s Board of Directors referred to
above shall be disclosed in the Annual Report for the fiscal year of 2020.

.01 .02 .03 .04

No
• Menyetujui penunjukan kembali Tuan Muhammad Kurniawan dan Kantor Akuntan Publik
Purwantono, Sungkoro & Surja (firma anggota Ernst & Young Global Limited) masing-masing
sebagai Akuntan Publik dan Kantor Akuntan Publik untuk mengaudit Laporan Keuangan
Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2020 dengan biaya
jasa audit setinggi-tingginya Rp620.000.000 (enam ratus dua puluh juta Rupiah) dengan
syarat-syarat yang dianggap baik.
• Memberikan wewenang dan kuasa kepada Dewan Komisaris untuk melaksanakan hal-hal
dipandang perlu sehubungan dengan penunjukan Akuntan Publik dan/atau Kantor Akuntan
Publik pengganti dalam hal Akuntan Publik Muhammad Kurniawan dan/atau Kantor
Akuntan Publik Purwantono, Sungkoro & Surja (firma anggota Ernst & Young Global Limited)
karena sebab apapun tidak dapat menyelesaikan audit Laporan Keuangan Perseroan untuk
tahun buku yang berakhir pada tanggal 31 Desember 2020 termasuk penetapan syarat-syarat
lainnya tentang penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik pengganti
dengan memperhatikan rekomendasi Komite Audit Perseroan dan peraturan perundang-
• Memberi wewenang dan kuasa dengan hak substitusi kepada Direksi Perseroan untuk
melaksanakan hal-hal yang dipandang perlu sehubungan dengan penunjukan Tuan
Muhammad Kurniawan dan Kantor Akuntan Publik Purwantono, Sungkoro & Surja (firma
anggota Ernst & Young Global Limited) masing-masing sebagai Akuntan Publik dan Kantor
Akuntan Publik yang melaksanakan audit Laporan Keuangan Perseroan untuk tahun buku
6
yang berakhir pada tanggal 31 Desember 2020, termasuk untuk memberitahukan dan
mengumumkan ke publik (jika diperlukan).
• Approved the reappointment of Mr. Muhammad Kurniawan and Public Accountant Firm Purwantono,
Sungkoro & Surja (member firm of Ernst & Young Global Limited) as Public Accountants and Public
Accountant Firms respectively to audit the Company’s Financial Statements for the fiscal year ended
December 31, 2020 with an audit service fee of up to Rp620,000,000 (six hundred and twenty million
Rupiah) with conditions that are considered good.
• Giving authority and power to the Board of Commissioners to carry out matters as deemed necessary
in connection with the appointment of a replacement Public Accountant and /or Public Accountant
Firm in the case of Public Accountant Muhammad Kurniawan and/or Public Accountant Firm
Purwantono, Sungkoro & Surja (member firm of Ernst & Young Global Limited) for whatever reason
they cannot complete the audit of the Company’s Financial Statements for the fiscal year ending on
December 31, 2020, including the determination of other requirements regarding the appointment
of a replacement Public Accountant and /or Public Accountant Firm by taking into account the
recommendations of the Company’s Audit Committee and prevailing regulations.
• Giving authority and power with substitution rights to the Company’s Directors to carry out matters
deemed necessary in connection with the appointment of Mr. Muhammad Kurniawan and Public
Accountant Firm Purwantono, Sungkoro & Surja (member firm of Ernst & Young Global Limited)
respectively as Public Accountants and a Public Accounting Firm that audits the Company’s Financial
Statements for the fiscal year ended December 31, 2020, including to notify and announce it to the
public (if necessary).
Menerima pertanggungjawaban realisasi penggunaan dana dari seluruh dana Penawaran
Umum Berkelanjutan Obligasi Berkelanjutan III Tahap II Tahun 2019 sebagaimana tercantum
Sudah dilaksanakan
dalam Laporan Tahunan Perseroan Tahun Buku 2019 yang telah kami sampaikan kepada
Perseroan tahun
Otoritas Jasa Keuangan serta yang uraian singkatnya telah disampaikan dalam Rapat.
2020
7
Accept the accountability for the realization of the use of funds from all the proceeds from the Public
Implemented by the
Offering of Sustainable Bonds III Phase II of 2019 as stated in the Company’s Annual Report for the 2019
Company in 2020
Fiscal Year which we have submitted to the Financial Services Authority and whose brief description has
been submitted at the Meeting.

.05 .06 .07
RUPSLB 12 MARET 2020 EGMS ON MARCH 12, 2020

No
Resolutions Realization
Menyetujui tindakan Direksi untuk menjaminkan sebagian besar atau seluruh aset
Perseroan berupa piutang Perseroan yang timbul dari pembiayaan yang disalurkan
Perseroan sehubungan dengan perolehan pinjaman dan/atau pendanaan dari PT Bank
DBS Indonesia dan PT Bank Shinhan serta atas rencana Perseroan untuk mengalihkan
hak atau menjaminkan sebagian besar atau seluruh piutang milik Perseroan dalam
rangka perolehan pinjaman dan/atau pendanaan (termasuk syari’ah) dari lembaga
keuangan bank (termasuk PT Bank Maybank Indonesia Tbk) maupun bukan bank
baik dalam negeri maupun luar negeri pada Tahun Buku 2020 termasuk pemberian
jaminan dalam rangka penerbitan lanjutan PUB III sampai jumlah setinggi-tingginya
sebesar Rp2.754.500.000.000,- (dua triliun tujuh ratus lima puluh empat miliar lima
Sudah dilaksanakan
ratus juta Rupiah) dalam beberapa tahap pada tahun buku 2020.
Perseroan Tahun 2020
1
Implemented by The Company
Approved the Board of Directors actions to pledge most or all of the Company’s assets in the
in 2020
form of the Company’s receivables arising from the financing channeled by the Company in
connection with obtaining loans and / or funding from PT Bank DBS Indonesia and PT Bank
Shinhan as well as for the Company’s plan to transfer rights or partially guarantee large or
all receivables owned by the Company in the context of obtaining loans and / or funding
(including syari’ah) from bank financial institutions (including PT Bank Maybank Indonesia Tbk)
and non-banks, both domestic and overseas in the 2020 Fiscal Year including the provision
of guarantees in the context of further issuance of PUB III up to a maximum amount of IDR
2,754,500,000,000 (two trillion seven hundred fifty-four billion five hundred million Rupiah) in
several stages in the 2020 financial year.
Memberi kuasa dan wewenang dengan hak substitusi kepada Direksi untuk
melakukan segala tindakan yang diperlukan sehubungan pemberian jaminan hutang
Sudah dilaksanakan
sebagian besar atau seluruh piutang milik Perseroan sebagaimana dimaksud dalam
Perseroan Tahun 2020
2 butir 1 (satu) di atas.
Implemented by The Company
Giving power and authority with substitution rights to the Board of Directors to take all
in 2020
necessary actions in connection with the provision of guarantees for the
debt of most or all of the Company’s receivables as referred to in point 1 (one) above.

.01 .02 .03 .04
Direksi
Board of Directors
Sesuai dengan Undang-Undang Nomor 40 Tahun In accordance with the Limited Liability Company
2007 tentang Perseroan Terbatas, Direksi merupakan Law Number 40 of 2007, the Board of Directors is
organ Perseroan yang memiliki tugas dan tanggung the Company’s organ with the full authority and
jawab menjalankan pengurusan Perseroan untuk responsibility for the management of the Company in
kepentingan Perseroan dan sesuai dengan maksud accordance with its purposes and objectives and also
dan tujuan Perseroan, serta mewakili Perseroan, baik represents the Company both inside and outside the
di dalam maupun di luar pengadilan sesuai dengan court based on the provisions of the Company’s Articles
ketentuan Anggaran Dasar. of Association.
Masing-masing anggota Direksi melaksanakan tugas Each member of the Board of Directors carries out duties
sesuai dengan pembagian tugas dan wewenangnya in accordance with the division of duties and authorities
dengan tujuan mencapai efektivitas pelaksanaan to achieve an effective work implementation.
pekerjaannya.
DASAR HUKUM LEGAL BASIS
Dasar hukum pembentukan dan penunjukan Direksi The legal basis for the formation and appointment
Perseroan mengacu pada beberapa ketentuan antara of the Company’s Board of Directors refers to several
lain: provisions, including:
1. Undang-Undang Nomor 40 Tahun 2007 tentang 1. Law Number 40 of 2007 concerning Limited Liability
Perseroan Terbatas. Companies.
2. Anggaran Dasar Perseroan. 2. Company’s Articles of Association.
3. POJK Nomor 30/POJK.05/2014 tentang Tata Kelola 3. POJK Number 30/POJK.05/2014 concerning Good
Perusahaan yang Baik Bagi Perusahaan Pembiayaan Corporate Governance for Financing Companies
dan perubahannya sebagaimana tercantum pada and its amendments as stated in POJK Number 29/
POJK Nomor 29/POJK.05/2020. POJK.05/2020.
4. POJK Nomor 33/POJK.04/2014 tentang Direksi dan 4. POJK Number 33/POJK.04/2014 concerning the
Dewan Komisaris Emiten Atau Perusahaan Publik. Board of Directors and Board of Commissioners of
Issuers or Public Companies.
5. POJK Nomor 27/POJK.03/2016 tentang Penilaian 5. POJK Number 27/POJK.03/2016 concerning Fit and
Kemampuan dan Kepatutan Bagi Pihak Utama Proper Test for the Main Parties of Financial Services
Lembaga Jasa Keuangan. Institutions.
6. Akta Pernyataan Keputusan Rapat Perseroan Nomor 6. The Company Meeting Resolution Deed Number 15
15 tanggal 12 Maret 2020 yang dibuat di hadapan dated March 12, 2020 made before Aulia Taufani,
Aulia Taufani, S.H., Notaris di Kota Administrasi S.H., Notary in South Jakarta Administrative City.
Jakarta Selatan.
7. Akta Pernyataan Keputusan Rapat Perseroan Nomor 7. The Company Meeting Resolution Deed Number
181 tanggal 30 Juli 2020 yang dibuat di hadapan 181 dated July 30, 2020, made before Aulia Taufani,
Aulia Taufani, S.H., Notaris di Kota Administrasi S.H., Notary in South Jakarta Administrative City.
Jakarta Selatan.

.05 .06 .07
SUSUNAN DAN KOMPOSISI DIREKSI BOARD OF DIRECTORS COMPOSITION
Susunan dan komposisi anggota Direksi Perseroan telah The composition of the Company’s Board of Directors
memenuhi ketentuan yang berlaku yaitu: members has complied with the applicable provisions,
namely:
POJK Nomor 30/POJK.05/2014 tentang Tata Kelola

Perusahaan yang Baik Bagi Perusahaan Pembiayaan dan
perubahannya sebagaimana tercantum pada POJK Nomor
Implementasi di Perseroan
No 29/POJK.05/2020
Implementation in Company
POJK Number 30/POJK.05/2014 concerning Good Corporate
Governance for Financing Companies and its amendments as
stated in POJK Number 29/POJK.05/2020
Perusahaan yang memiliki aset lebih dari

Rp200.000.000.000,00 (dua ratus miliar rupiah) wajib
memiliki paling sedikit 3 (tiga) orang anggota Direksi. Perseroan memiliki 4 (empat) anggota Direksi.
1
Companies with assets more than Rp200,000,000,000 (two The Company has 4 (four) members of the Board of Directors.
hundred billion rupiahs) are required to have at least three
members of the Board of Directors.
Kepemilikan saham Perseroan terdapat kepemilikan
Perusahaan yang di dalamnya terdapat kepemilikan asing secara tidak langsung, sehingga Perseroan telah
asing baik secara langsung maupun tidak langsung wajib memenuhi ketentuan yaitu memiliki anggota Direksi yang
memiliki paling sedikit 50% (lima puluh persen) anggota merupakan warga negara Indonesia lebih dari 50% (lima
Direksi yang merupakan warga negara Indonesia puluh persen).
2
Companies with direct or indirect foreign ownership must have The Company's shares ownership has indirect foreign
at least 50% (fifty percent) of the Board of Directors members ownership. Thus, the Company has complied with the provisions
with Indonesian citizenship. of having more than 50% (fifty percent) members of the Board
of Directors with Indonesian citizenship.
Anggota Direksi wajib berdomisili di wilayah negara Seluruh anggota Direksi berdomisili di wilayah negara
Republik Indonesia. Republik Indonesia.
3
The Board of Directors members must be domiciled in the All members of the Board of Directors are domiciled in the
territory of the Republic of Indonesia. territory of the Republic of Indonesia.
Seluruh anggota Direksi Perseroan memiliki pengetahuan
Seluruh anggota Direksi Perusahaan harus memiliki yang relevan dengan jabatannya, yang dapat dilihat pada
pengetahuan yang relevan dengan jabatannya. profil masing-masing anggota Direksi.
4
All members of the Company's Board of Directors must have All members of the Company's Board of Directors have
relevant knowledge to their position. knowledge relevant to their positions, presented in the profile of
each member of the Board of Directors.

.01 .02 .03 .04
POJK Nomor 33/POJK.04/2014 tentang Direksi dan Dewan

Komisaris Emiten Atau Perusahaan Publik Implementasi di Perseroan
No
POJK Number 33/POJK.04/2014 concerning Board of Directors Implementation in Company
and Board of Commissioners of Issuers or Public Companies
Direksi paling kurang terdiri dari 2 (dua) orang anggota

Direksi. Perseroan memiliki 4 (empat) orang anggota Direksi.
1
The Board of Directors consists of at least 2 (two) members of The Company has 4 (four) members of the Board of Directors.
the Board of Directors.
1 (satu) di antara anggota Direksi diangkat menjadi
direktur utama atau presiden direktur. Perseroan memiliki 1 (satu) Presiden Direktur.
2
1 (one) member of the Board of Directors is appointed as the The Company has 1 (one) President Director.
president director.
Usulan pengangkatan, pemberhentian dan/atau Pengangkatan anggota Direksi Perseroan telah
penggantian anggota Direksi kepada RUPS harus memperhatikan rekomendasi Komite Nominasi dan
memperhatikan rekomendasi dari Dewan Komisaris atau Remunerasi Perseroan serta memperoleh persetujuan dari
komite yang menjalankan fungsi nominasi. RUPS.
3
Proposals for the appointment, dismissal and/or replacement of The appointment of the Company's Board of Directors members
members of the Board of Directors to the GMS must take into has taken into account the recommendations of the Nomination
account the recommendations of the Board of Commissioners and Remuneration Committee of the Company and obtained
or the committee that carries out the nomination function. approval from the GMS.
Merujuk pada ketentuan POJK Nomor 27/POJK.03/2016 Referring to POJK Number 27/POJK.03/2016 concerning
tentang Penilaian Kemampuan dan Kepatutan Bagi Fit and Proper Test for Main Parties to Financial Services
Pihak Utama Lembaga Jasa Keuangan maka calon Institutions, the Board of Directors candidates must
anggota Direksi wajib memperoleh persetujuan dari OJK obtain approval from OJK before carrying out their
sebelum menjalankan tindakan, tugas dan fungsinya. actions, duties and functions. All members of the
Seluruh anggota Direksi Perseroan telah memperoleh Company’s Board of Directors have obtained approval
persetujuan dari OJK (lulus uji kemampuan dan from the OJK (passing the fit and proper test from OJK)
kepatutan dari OJK) sebelum menjalankan tugas dan before carrying out their duties and functions. The
fungsi jabatannya. Adapun susunan Direksi Perseroan composition of the Company’s Board of Directors in
pada tahun 2021 yaitu: 2021 which are:

.05 .06 .07
Jabatan Nama Periode Jabatan

Position Name Term of Office
Presiden Direktur RUPST Tahun 2020 – RUPST Tahun 2023

Djaja Suryanto Sutandar*
President Director AGMS 2020 – AGMS 2023
Direktur RUPST Tahun 2020 – RUPST Tahun 2023
Zacharia Susantadiredja**
Director AGMS 2020 – AGMS 2023
Anthony Yuarez Panggabean
Njauw Vido Onadi
Wibowo***
*) Diangkat sebagai Sekretaris Perusahaan efektif tanggal 16 November 2021.
**) Mengundurkan diri sebagai Direktur dan Sekretaris Perusahaan pada tanggal 15 November 2021.
***) Efektif menjabat sebagai Direktur per tanggal 30 Juli 2020 sebagaimana tercantum pada Akta Pernyataan Keputusan Rapat Nomor 181 tanggal 30 Juli 2020 yang
dibuat di hadapan Aulia Taufani, S.H., Notaris di Kota Administrasi Jakarta Selatan.
*) Effectively serving as Corporate Secretary on November 16, 2021.
**) Resigned as Director and Corporate Secretary on November 15, 2021.
***) Effectively serving as Director as of July 30, 2020 as stated in the Meeting Resolution Deed Number 181 dated July 30, 2020 made before Aulia Taufani, S.H., Notary
in South Jakarta Administrative City
MASA JABATAN DIREKSI BOARD OF DIRECTORS TERM OF OFFICE
Sesuai Anggaran Dasar Perseroan masa jabatan In accordance with the Company’s Articles of Association,
anggota Direksi adalah terhitung sejak tanggal RUPS the term of office of the Board of Directors members
yang mengangkatnya sampai ditutupnya RUPST yang is effective from the date of the GMS that appointed
ke-3 (tiga) setelah tanggal pengangkatannya tersebut. them until the closing of the 3rd (third) AGMS after
Masa jabatan anggota Direksi yang menjabat saat ini the date of their appointment. The term of office of
akan berakhir pada saat ditutupnya RUPST Perseroan the current members of the Board of Directors will end
tahun 2023. RUPS memiliki kewenangan untuk at the closing of the Company’s 2023 AGMS. The GMS
memberhentikan seorang atau lebih anggota Direksi has the authority to dismiss one or more members of
sewaktu-waktu sebelum masa jabatannya berakhir. the Board of Directors at any time before their term of
office ends.
PEDOMAN DAN TATA TERTIB KERJA DIREKSI THE BOARD OF DIRECTORS WORKING GUIDELINES
Perseroan telah memiliki Piagam Direksi yang The Company has a Board of Directors Charter
ditetapkan oleh Direksi pada tanggal 4 September 2018 stipulated by the Board of Directors on September 4,
yang disusun sebagai rujukan/pedoman bagi Direksi 2018. It is arranged as a guideline for the Company’s
Perseroan dalam menjalankan tugasnya secara efektif Board of Directors in carrying out their duties effectively
dan efisien maupun pihak-pihak lain yang terkait and efficiently as well as other parties related to the
dengan pelaksanaan tugas Direksi. implementation of the duties of the Board of Directors.

.01 .02 .03 .04
Untuk memastikan Piagam Direksi tetap relevan bagi To ensure the relevancy of the Board of Directors Charter
setiap anggota Direksi Perseroan, Piagam Direksi for each member of the Company’s Board of Directors,
akan diperbaharui dari waktu ke waktu mengikuti the Board of Directors Charter will be updated from
perkembangan peraturan perundang-undangan dan time to time following the development of laws and
praktik terbaik. regulations and best practices.
Piagam Direksi terakhir diperbaharui pada tanggal The Board of Directors Charter was last updated on
4 September 2018 dan dapat diakses oleh publik September 4, 2018. It is accessible for the public through
melalui website Perseroan: www.wom.co.id. Secara the Company’s website: www.wom.co.id. In general,
umum, Piagam Direksi mengatur tentang: the Board of Directors Charter regulates:
1. Landasan Hukum Piagam 1. The Legal Basis of the Charter
2. Struktur dan Komposisi Direksi 2. Structure and Composition of the Board of Directors
3. Batasan Rangkap Jabatan Anggota Direksi 3. Limitation of Concurrent Positions for Members of
the Board of Directors
4. Pengangkatan Anggota Direksi 4. Appointment of Members of the Board of Directors
5. Masa Jabatan Anggota Direksi 5. Term of Office of Members of the Board of Directors
6. Pemberhentian Sementara Anggota Direksi 6. Temporary Dismissal of Members of the Board of
Directors
7. Pengunduran Diri Anggota Direksi 7. Resignation of Members of the Board of Directors
8. Jabatan Anggota Direksi Berakhir 8. End of Tenure of the Board of Directors Members
9. Deskripsi Tugas dan Tanggung Jawab Direksi 9. Description of the Duties and Responsibilities of the
Board of Directors
10. Kewenangan Direksi 10. Authority of the Board of Directors
11. Waktu Kerja 11. Working Time
12. Keanggotaan dalam Komite Manajemen Risiko 12. Membership in the Integrated Risk Management
Terintegrasi Committee
13. Nilai-Nilai Dasar (Core Values) dan Etika Kerja 13. Core Values and Work Ethics
14. Transparansi Kepemilikan Saham dan Pengungkapan 14. Transparency of Share Ownership and Disclosure of
Hubungan Keuangan dan Hubungan Keluarga Financial Relationships and Family Relationships
15. Rapat Direksi 15. Board of Directors meeting
16. Penilaian Kinerja Direksi 16. Performance Assessment of the Board of Directors
17. Remunerasi 17. Remuneration
18. Sertifikasi dan Pelatihan 18. Certification and Training
19. Pelaporan dan Pertanggungjawaban 19. Reporting and Accountability
RUANG LINGKUP PEKERJAAN DAN TUGAS DAN BOARD OF DIRECTORS WORK SCOPE, DUTIES AND
TANGGUNG JAWAB DIREKSI RESPONSIBILITIES
Ruang lingkup pekerjaan dan tanggung jawab The work scope and responsibilities of each member of
masing-masing anggota Direksi sesuai dengan the Board of Directors is in accordance with the duties
tugas dan tanggung jawab berdasarkan Keputusan and responsibilities based on the Decision of the Board of
Direksi mengenai Penetapan Pembagian Tugas dan Directors regarding the Determination of the Division of
Wewenang Para Anggota Direksi untuk Tahun Buku Duties and Authorities of the Board of Directors Members
2021 dijabarkan sebagaimana dibawah ini: for the 2021 Fiscal Year as described below:

.05 .06 .07
PEMBAGIAN TUGAS DAN TANGGUNGJAWAB DIREKSI DIVISION OF DUTIES AND RESPONSIBILITES
Nama Jabatan Bidang Tugas dan Tanggungjawab

Name Position Duties and Responsibilities
• Memimpin dan mengelola Perseroan termasuk memberikan arahan

strategis dalam hal kebijakan dan strategi di lingkup pengembangan bisnis,
manajemen risiko, operasional, keuangan dan sumber daya manusia, agar
sesuai dengan tujuan Perseroan.
• Memantau dan memastikan seluruh kegiatan pengembangan bisnis
Perseroan berjalan sesuai target yang ditetapkan secara volume dan
market share sehingga menunjang keuntungan Perseroan.
• Memantau dan memastikan seluruh kegiatan manajemen risiko Perseroan
berjalan dengan baik sehingga tercapai kualitas portfolio yang sehat.
• Memantau dan memastikan kegiatan operasional berjalan secara
efektif, efisien dengan mengedepankan kualitas, service excellence serta
berpedoman pada prinsip Good Corporate Governance.
• Memantau dan memastikan seluruh kegiatan pengelolaan sumber daya
manusia berjalan efektif dan efisien dan fokus pada pemberdayaan,
kualitas, produktivitas dan pengembangan karyawan yang dapat
menunjang pencapaian tujuan Perseroan.
• Memantau dan memastikan seluruh kegiatan pengelolaan fungsi bisnis
di regional dan cabang sesuai dalam upaya menunjang pencapaian
tujuan dan target Perseroan berupa ENR dan profit, pemantauan strategi
perbaikan kinerja dari setiap kantor jaringan Perseroan dengan tetap
berpedoman pada segala peraturan perundang-undangan, anggaran dasar
Perseroan dan Peraturan Perusahaan Perseroan serta sesuai dengan prinsip
Good Corporate Governance.
Presiden Direktur
• Menetapkan dan memantau penerapan pengendalian internal yang efektif
Djaja Suryanto Sutandar President Director
dan efisien untuk memberikan keyakinan yang memadai bahwa kegiatan
usaha dijalankan sesuai dengan sasaran dan strategi bisnis serta anggaran
dasar dan aturan internal lain Perseroan dan peraturan perundang-
undangan.
• Memantau dan memastikan kegiatan Anti Fraud untuk memastikan
ketaatan terhadap aktivitas kritikal yang dijalankan oleh masing-masing
unit kerja di dalam Perseroan sesuai peraturan perundang-undangan
yang berlaku serta penyelesaian kasus litigasi yang dijalankan dengan
mengedepankan prinsip kehati-hatian dan sesuai peraturan perundang-
undangan yang berlaku dalam rangka meminimalisasi risiko kepatuhan,
risiko reputasi maupun risiko hukum yang mungkin timbul.
• Memantau dan memastikan kegiatan fungsi Legal, Corporate Litigation
dan Compliance yang dijalankan dengan mengedepankan prinsip kehati-
hatian dan sesuai peraturan perundang-undangan yang berlaku dalam
rangka meminimalisasi risiko kepatuhan, risiko reputasi maupun risiko
hukum yang mungkin timbul.
• Mengawasi secara aktif penerapan program Anti Pencucian Uang dan
Pencegahan Pendanaan Terorisme di Perseroan.
• Mengevaluasi terhadap kinerja seluruh fungsi yang ada di Perseroan
• Mengawasi dan membawahi anggota Direksi Perseroan lainnya.
• Mengawasi dan membawahi Non-Directorate yang ada di Perseroan.
• Melakukan tugas dan wewenang Direksi lainnya yang ditetapkan oleh
Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi
Direksi Perseroan.

.01 .02 .03 .04

• To lead and manage the Company including providing strategic directives in terms
of policies and strategies in business development, risk management, operations,
finance and human resources, in order to be in line with the Company’s objectives.
• To monitor and ensure all of the Company’s business development activities
are performing as the set target in terms of volume and market share thereby
supporting the Company’s profitability.
• To monitor and ensure all of the Company’s risk management activities are
performing well thereby accomplishing health portfolio quality.
• To monitor and ensure effective and efficient operations activities, by emphasizing
on quality, service excellence and guided by Good Corporate Governance
principles.
• To monitor and ensure effective and efficient performance of human resources
management activities and focusing on employees’ empowerment, quality,
productivity and development that can support the achievement of the Company’s
objectives.
• To monitor and ensure all business function management activities in regional
and branches are appropriate in an effort to support the achievement of company
goals and targets in the form of ENR and profit, monitoring the performance
improvement strategies of each company network office while still guided by
all laws and regulations, the company’s articles of association and regulations
Company and in accordance with the principles of Good Corporate Governance.
• To stipulate and monitor effective and efficient internal control application
to provide adequate confidence that the business activities are performed in
accordance with the Company’s targets and business strategies as well as the
articles of association and regulation.
• Monitor and ensure anti-fraud activities to ensure compliance with critical activities
carried out by each work unit within the Company were in accordance with
applicable laws and regulations as well as settlement of litigation cases carried out
by prioritizing the principle of prudence and in accordance with applicable laws
and regulations in order to minimize compliance risk, reputation risk or legal risk
that may arise.
• Monitor and ensure that the activities of the Legal, Corporate Litigation and
Compliance functions are carried out by prioritizing prudential principles and in
accordance with applicable laws and regulations in order to minimize compliance
risk, reputation risk or legal risk that may arise.
• Actively supervise the implementation of the Anti Money Laundering and
Prevention of Terrorism Funding programs in the Company.
• Evaluating the performance of all functions in the Company.
• Oversee and supervise other members of the Company’s Directors.
• Oversee and supervise the Non-Directorate in the Company.
• Performing other duties and authorities of the Directors determined by the
Company’s Articles of Association and internal regulations that apply to the
Directors of the Company.

.05 .06 .07

• Mengawasi dan membawahi Marketing Directorate yang ada di Perseroan.

• Merencanakan dan menyusun Marketing Strategic Plan termasuk di
dalamnya merencanakan budget operasional direktorat di bawahnya, serta
mengkomunikasikannya kepada seluruh jajaran executive management.
• Bertanggung jawab atas pencapaian target marketing secara nasional.
• Memantau dan memastikan seluruh kegiatan pengembangan bisnis
Perseroan dan implementasi kebijakan marketing yang diterapkan di
Perseroan berjalan sesuai yang ditetapkan Perseroan.
• Membuka dan menjalin relasi kerjasama dengan brand utama di bisnis
sepeda motor dalam rangka memperoleh market share dan portofolio
yang baik.
• Mengembangkan strategi bisnis Non Dealer Sales dan memastikan
implementasi strategi tersebut berjalan sesuai target yang ditetapkan
Perseroan.
• Memantau dan memastikan strategi dan pengembangan fungsi Unit
Usaha Syariah dalam memperluas jaringan baru, relasi dengan dealer, dan
pencapaian target sales dan profit Perseroan dengan tetap berpedoman
pada peraturan perundang-undangan dan Anggaran Dasar Perseroan.
• Mengevaluasi implementasi kebijakan, strategi marketing berikut kinerja
seluruh fungsi yang berada di Marketing Directorate secara berkelanjutan
dalam rangka meningkatkan target penjualan dan kualitas pembiayaan
yang baik serta memperkuat image Perseroan di mata stakeholders, dealer
dan konsumen Perseroan.
Direksi Perseroan.
Direktur • Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden
Wibowo
Director Direktur Perseroan.
• To oversight and supervise the Marketing Directorate in the Company.
• To plan and compile a Marketing Strategic Plan, including planning for operational
budget for respective Directorate and communicating it to all levels of executive
management.
• To be responsible for achieving national marketing targets.
• To monitor and ensure that all of the Company's business development activities
and the implementation of marketing policies implemented in the Company are
running as determined by the Company.
• To open and establish cooperative relationships with major brands in the
motorcycle business to obtain a good market share and portfolio.
• To develop a Non-Dealer Sales business strategy and ensuring that the strategy is
implemented according to the targets set by the Company.
• Monitor and ensure the strategy and development of the Sharia Business Unit
function in expanding new networks, relationships with dealers, and achieving the
Company's sales and profit targets by guided to the laws and regulations and the
Company's Articles of Association.
• To evaluate the implementation of policies, marketing strategies and the
performance of all functions within the Marketing Directorate on an ongoing
basis in order to increase sales targets and good quality of financing as well as
strengthen the Company's image in the eyes of the Company's stakeholders,
dealers and consumers.
• To perform other duties and powers of the Board of Directors as stipulated by the
Articles of Association and the Company's internal regulations that apply to the
Board of Directors of the Company.
• In carrying out his duties, he is responsible to the President Director of the
Company.

.01 .02 .03 .04

• Mengawasi dan membawahi Finance Directorate yang ada di Perseroan dan

merangkap sebagai Sekretaris Perusahaan.
• Merencanakan dan menyusun Corporate Financial Strategic Plan termasuk
di dalamnya merencanakan biaya operasional Direktorat dibawahnya, serta
mengkomunikasikan kepada seluruh jajaran executive management.
• Bertanggung jawab terhadap seluruh pengelolaan keuangan Perseroan serta
memantau dan memastikan pengelolaan keuangan Perseroan sesuai dengan
peraturan internal Perseroan dan peraturan perundang-undangan yang
berlaku, kebijakan dan prosedur serta standar akutansi keuangan di Indonesia.
• Membuka dan menjalin hubungan kerjasama dengan pihak lain dalam rangka
mendapatkan investor yang tepat bagi Perseroan.
• Bertanggung jawab atas pengelolaan analisa laporan portfolio Finance dan
project pengembangan Finance guna penyelarasan strategi kerja Finance
Directorate.
• Memantau aktivitas pelaporan dan pembayaran kewajiban pajak dan laporan
penutupan asuransi agar sesuai dengan peraturan internal Perseroan dan
• Memantau pelaksanaan fungsi corporate service & communication di Perseroan
dalam rangka menjaga dan memperkuat image Perseroan di mata publik.
• Mengevaluasi implementasi kebijakan, strategi pengelolaan keuangan berikut
kinerja seluruh fungsi yang berada di Finance Directorate secara berkelanjutan
dalam rangka meningkatkan kapabilitas keuangan Perseroan.
Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi Direksi
Perseroan.
Direktur • Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden
Zacharia Susantadiredja*
Director Direktur Perseroan.
• To supervise and in charge of the Company’s Finance Directorate and also serves as the
Corporate Secretary
• To plan and develop the Corporate Financial Strategic Plan including its operations
budget planning for the Directorates under its delegation, as well as communicating it to
all executive managements.
• Responsible on all the Company’s financial management as well as to monitor and
ensure that the Company’s financial management is in accordance with the Company’s
internal rules and prevailing regulatories, policies and procedures as well as standard of
financial accounting in Indonesia.
• To open and maintain cooperation relations with other parties ito obtain appropriate
investors for the Company.
• Responsible for managing the analysis of the Finance portfolio report and Finance
development projects to align with Finance Directorate strategy.
• To monitor the reporting activities and taxes mandatory payments including insurance
closing reports to be aligned with the Company’s internal rules and prevailing
regulatories.
• To monitor the corporate service & communication function implementation in the
Company to maintain and strengthen the Company’s image to the public.
• To evaluate the sustainable implementation of policies, financial management strategies
including the performance of all functions under the Finance Directorate in order to
improve the Company financial capabilities.
• To perform other duties and authorities of the Board of Directors as set out in the Articles
of Association and internal rules of the Company that is applicable for the Company’s
Board of Directors.
• To be responsible to the Company’s President Director in implementing its duties.
*) Sehubungan dengan pengunduran diri Bapak Zacharia Susantadiredja selaku Direktur Perseroan efektif pada tanggal 15 November 2021, maka tugas dan wewenang
beliau selanjutnya dilaksanakan oleh Presiden Direktur efektif pada tanggal 16 November 2021
*) In accordance to the resignation of Mr. Zacharia Susantadiredja as a Director of the Company effective on November 15, 2021. Thus, his duties and responsibilities are
handled by President Director as of November 16, 2021

.05 .06 .07

• Mengawasi dan membawahi Operation Directorate yang ada di Perseroan.

• Merencanakan dan menyusun Operation Strategic Plan termasuk di
dalamnya merencanakan budget operasional Operations Directorate, serta
mengkomunikasikannya kepada seluruh jajaran executive management.
• Bertanggung jawab terhadap seluruh pengelolaan kegiatan operasional
yang meliputi pada penyusunan dan policy dan procedure yang berlaku
pada internal Perseroan, penyelenggaraan fungsi service, telecenter dan
information technology (IT) Perseroan.
• Mengarahkan dan memantau pengelolaan layanan kepada konsumen
serta telecenter secara nasional dalam rangka menjaga brand image
Perseroan yang bertujuan untuk meningkatkan penjualan dan loyalitas
konsumen terhadap Perseroan.
• Memastikan tersedianya dukungan sistem/prosedur kerja berbasis IT di
setiap proses kerja yang ada di Perseroan termasuk mengarahkan dan
memastikan keamanan perangkat IT untuk mencapai stabilitas dan
keamanan sistem IT yang optimum.
• Mengevaluasi implementasi kebijakan internal terkait operasional,
strategi operasional dan IT berikut kinerja seluruh fungsi yang berada di
Operations Directorate secara berkelanjutan dalam rangka meningkatkan
proses operasional yang cepat, efektif dan efisien.
Direksi Perseroan.
Anthony Yuarez Direktur
• Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden
Panggabean Director
Direktur Perseroan.
• To supervise and in charge of the Company’s Operation Directorate.
• To plan and develop the Operations Strategic Plan including its operations
budget planning of the Operations Directorate, as well as communicating it to all
executive managements.
• To be responsible on all the operations activities management including the
development and stipulation of policies and procedures applicable in the
Company’s internal, implementation of service, telecenter and Information
Technology (IT) of the Company.
• To direct and monitor service management to consumers as well as contact centers
nationally in an effort to maintain the Company’s brand image that aim to improve
sales and customers’ loyalty to the Company.
• To ensure the availability of system support or work procedures of IT-based in every
work process in the Company, including to direct and ensure the safety of IT tools
for the achievement of optimum IT system stability and safety.
• To evaluate the sustainable implementation of internal policies on operations,
operations and IT strategy including the performance of all functions under
the Operations Directorate for the improvement of fast, effective and efficient
operations process.
• To perform other duties and authorities of the Board of Directors as set out in the
Articles of Association and internal rules of the Company that is applicable for the
Company’s Board of Directors.

.01 .02 .03 .04

• Mengawasi dan membawahi Risk Management Directorate yang ada di

Perseroan.
• Merencanakan dan menyusun Risk Management Strategic Plan termasuk
di dalamnya merencanakan budget operasional Risk Management
Directorate, serta mengkomunikasikan kepada seluruh jajaran executive
management.
• Memantau dan memastikan fungsi manajemen risiko di Perseroan berjalan
efektif.
• Mengarahkan dan memantau aktivitas initiation credit agar berjalan
efektif dalam rangka mendorong pertumbuhan bisnis Perseroan dengan
kualitas portfolio yang baik.
• Mengarahkan dan memantau aktivitas penagihan dan pengelolaan aset
unit kendaraan tarikan termasuk pengembangan sistemnya agar berjalan
efektif dan dapat meminimalkan tingkat Non-Performing Loan.
• Mengarahkan dan memantau aktivitas project management Perseroan
agar seluruh project yang ditetapkan berjalan efektif dan mencapai
sasaran dan waktu yang ditetapkan.
• Melakukan evaluasi implementasi kebijakan, strategi manajemen risiko
berikut kinerja seluruh fungsi yang berada di Risk Management Directorate
secara berkelanjutan dalam rangka meningkatkan kualitas portofolio
yang sehat.
Njauw Vido Onadi Direktur Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi
Director Direksi Perseroan.
• Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden
Direktur Perseroan.
• To supervise and in charge of the Company’s Risk Management Directorate.
• To plan and develop the Risk Management Strategic Plan including the planning
of operations budget of Risk Management Directorate, as well as to inform to all
executive management.
• To monitor and ensure effective implementation of risk management function in
the Company.
• To direct and monitor effective credit initiation activities for the improvement of
the Company’s business growth with good portfolio quality.
• To direct and monitor effective billing activities and asset management of
impounded vehicles unit including its system development in order to minimize the
Non-Performing Loan levels.
• To direct and monitor the Company project management activities for effective
project performance and to achieve the targets as well as the set timing.
• To evaluate the implementation of policies, risk management strategies, including
the performance of all functions under the Risk Management Directorate
sustainably to improve the quality of healthy portfolio.
• To perform other duties and authorities of the Board of Directors as set out in the
Articles of Association and internal rules of the Company that is applicable for the
Company’s Board of Directors.

.05 .06 .07
INDEPENDENSI DIREKSI BOARD OF DIRECTORS INDEPENDENCY
Seluruh anggota Direksi Perseroan tidak memiliki All members of the Company’s Board of Directors do not
hubungan keuangan, hubungan keluarga sampai have financial relationships, family relationships up to the
dengan derajat kedua, baik hubungan horizontal second degree, both horizontal and vertical relationships
maupun vertikal (termasuk mertua, menantu dan (including in-laws, sons-in-law and in-laws) with fellow
ipar) dengan sesama anggota Direksi, anggota Dewan members of the Board of Directors, members of the Board
Komisaris, anggota Dewan Pengawas Syariah (DPS) of Commissioners, members of the Sharia Supervisory
dan/atau pemegang saham utama Perseroan atau grup Board (DPS) and/or major shareholder of the Company or
usaha Perseroan. Dengan demikian seluruh anggota the Company’s business group. Thus, all members of the
Direksi adalah independen. Board of Directors are independent.
Direksi juga senantiasa menjunjung tinggi prinsip The Board of Directors also always upholds independency
independensi dan mengutamakan kepentingan and prioritizes the interests of the Company above
Perseroan di atas kepentingan sendiri, serta bekerja their own interests. The Board of Directors works
dan berperilaku dengan integritas tinggi tercermin dari and behaves with high integrity as reflected in the
pernyataan masing-masing anggota Direksi mengenai statements of each member of the Board of Directors
hal-hal di bawah ini: regarding the following matters:
1. Tidak pernah memanfaatkan Perseroan untuk 1. Never uses the Company for personal, family and/or
kepentingan pribadi, keluarga dan/atau pihak other party interests that may harm or reduce the
lain yang dapat merugikan atau mengurangi Company’s profits.
keuntungan Perseroan.
2. Tidak pernah mengambil dan/atau menerima 2. Never takes and/or receives personal benefits from
keuntungan pribadi dari Perseroan selain the Company other than remuneration and other
remunerasi dan fasilitas lainnya yang ditetapkan facilities determined by the GMS.
berdasarkan RUPS.
3. Tidak pernah menggunakan penasehat perorangan 3. Never uses individual advisors and/or professional
dan/atau jasa profesional sebagai konsultan services as consultants except for projects of a
kecuali untuk proyek yang bersifat khusus, telah specific nature, based on a clear work contract
didasari oleh kontrak kerja yang jelas meliputi covering the scope of work, responsibilities,
lingkup kerja, tanggung jawab, jangka waktu period of work and costs and the consultant is an
pekerjaan dan biaya, serta konsultan merupakan independent party with qualifications to work on
pihak independen yang memiliki kualifikasi untuk special projects.
mengerjakan proyek yang bersifat khusus.
KEBERAGAMAN ANGGOTA DIREKSI DIVERSITY OF BOARD OF DIRECTORS
Penentuan komposisi anggota Direksi dilakukan The determination of the composition of the Board of
dengan memperhatikan keberagaman keahlian, Directors members is carried out by taking into account
pengetahuan dan pengalaman yang dibutuhkan untuk the diversity of expertise, knowledge and experience
mendukung pelaksanaan tugasnya selaku anggota required to support the implementation of their duties as
Direksi. Komposisi anggota Direksi Perseroan telah the Board of Directors members. The composition of the
mencerminkan keberagaman anggotanya, baik dalam Company’s Board of Directors members has reflected the
hal pendidikan (bidang studi), pengalaman kerja, usia diversity of its members, both in terms of education, work
yang dapat dilihat dari profil masing-masing anggota experience and age. It is presented in the profile of each
Direksi Perseroan. member of the Company’s Board of Directors.

.01 .02 .03 .04
KRITERIA ANGGOTA DIREKSI CRITERIA FOR BOARD OF DIRECTORS MEMBERS
Yang dapat diangkat sebagai anggota Direksi adalah Those who can be appointed as the Board of Directors
orang perseorangan yang memenuhi kriteria dan members are individuals who meet the criteria and
persyaratan sesuai dengan: requirements in accordance with:
1. POJK Nomor 33/POJK.04/2014 tentang Direksi dan 1. POJK Number 33/POJK.04/2014 concerning the
Dewan Komisaris Emiten Atau Perusahaan Publik, Board of Directors and Board of Commissioners of
yang mensyaratkan anggota Direksi harus: Issuers or Public Companies, which requires that
members of the Board of Directors must:
- Mempunyai akhlak, moral dan integritas yang baik. - Have good character, morals and integrity.
- Cakap melakukan perbuatan hukum. - Have capability to do legal actions.
- Dalam 5 (lima) tahun sebelum pengangkatan - In the 5 (five) years prior to appointment and
dan selama menjabat: during his tenure:
• Tidak pernah dinyatakan pailit; • Never declared bankrupt;
• Tidak pernah menjadi anggota Direksi • Have never been a member of a Board of
dan/atau anggota Dewan Komisaris yang Directors and/or a Board of Commissioners
dinyatakan bersalah menyebabkan suatu who found guilty of causing a company to
perusahaan dinyatakan pailit; go bankrupt;
• Tidak pernah dihukum karena melakukan • Have never been convicted of a criminal
tindak pidana yang merugikan keuangan offense that is detrimental to the country’s
negara dan/atau yang berkaitan dengan finances and/or related to the financial
sektor keuangan; dan sector; and
• Tidak pernah menjadi anggota Direksi • Never been a member of the Board of
dan/atau anggota Dewan Komisaris yang Directors and/or member of the Board of
selama menjabat: Commissioners who during his tenure:
i. Pernah tidak menyelenggarakan RUPST; i. Fail to convene an AGMS;
ii. Pertanggungjawaban sebagai anggota ii. Accountability as a member of the
Direksi dan/atau anggota Dewan Board of Directors and/or member of the
Komisaris pernah tidak diterima oleh Board of Commissioners has never been
RUPS atau pernah tidak memberikan accepted by the GMS or fail to provide
pertanggungjawaban sebagai anggota accountability as a member of the Board
Direksi dan/atau anggota Dewan of Directors and/or member of the Board
Komisaris kepada RUPS; dan of Commissioners to the GMS; and
iii. Pernah menyebabkan perusahaan yang iii. Has caused companies that obtained
memperoleh izin, persetujuan, atau permits, approvals, or registrations
pendaftaran dari OJK tidak memenuhi from OJK to not fulfil the obligation to
kewajiban menyampaikan laporan submit annual reports and/or financial
tahunan dan/atau laporan keuangan reports to OJK.
kepada OJK.
• Memiliki komitmen untuk mematuhi • Have a commitment to comply with the
peraturan perundang-undangan. laws and regulations.
• Memiliki pengetahuan dan/atau keahlian • Having knowledge and/or expertise in the
di bidang yang dibutuhkan Perseroan. fields required by the Company.

.05 .06 .07
2. POJK Nomor 27/POJK.03/2016 tentang Penilaian 2. POJK Number 27/POJK.03/2016 on Fit and Proper
Kemampuan dan Kepatutan Bagi Pihak Utama Test for Main Parties of Financial Services Institutions
Lembaga Jasa Keuangan yang mensyaratkan untuk which requires member of Board of Directors to
anggota Direksi memperoleh persetujuan dari OJK obtain approval from the OJK (passing the fit and
(lulus uji kemampuan dan kepatutan dari OJK) harus proper test from the OJK) must meet the fit and
memenuhi persyaratan penilaian kemampuan dan proper test requirements:
kepatutan:
- Persyaratan integritas meliputi: - a. Integrity requirements include:
i. Cakap melakukan perbuatan hukum. i. Competent in legal actions.
ii. Memiliki akhlak dan moral yang baik, ii. Having good character and morals, at least
paling sedikit ditunjukkan dengan sikap shown by the attitude of complying with
mematuhi ketentuan yang berlaku, applicable regulations, including never
termasuk tidak pernah dihukum karena having been convicted of a crime in a certain
terbukti melakukan tindak pidana dalam period before being nominated.
jangka waktu tertentu sebelum dicalonkan.
iii. Memiliki komitmen untuk mematuhi iii. Have a commitment to comply with laws
peraturan perundang-undangan dan and regulations and support the Financial
mendukung kebijakan OJK. Services Authority policy.
iv. Memiliki komitmen terhadap iv. Have a commitment to the development of
pengembangan Lembaga Jasa Keuangan health Financial Services Institutions.
yang sehat.
v. Tidak termasuk sebagai pihak yang dilarang v. Not included as a party that is prohibited
untuk menjadi Pihak Utama. from being a Main Party.
- Persyaratan reputasi keuangan, paling sedikit - Financial reputation requirements, at least
dibuktikan dengan: evidenced by:
i. Tidak memiliki kredit dan/atau pembiayaan i. Does not have bad credit and/or financing
macet.
ii. Tidak pernah dinyatakan pailit dan/atau ii. Have never been declared bankrupt and/
tidak pernah menjadi pemegang saham, or never been a shareholder, Controlling
Pengendali Perusahaan Perasuransian Insurance Company that is not a shareholder,
yang bukan merupakan pemegang saham, member of the Board of Directors, or a
anggota Direksi, atau anggota Dewan member of the Board of Commissioners
Komisaris yang dinyatakan bersalah who was found guilty of causing a company
menyebabkan suatu perseroan dinyatakan to be declared bankrupt within the last
pailit dalam waktu 5 (lima) tahun terakhir 5 (five) years before being nominated.
sebelum dicalonkan.
- Persyaratan kelayakan keuangan, paling sedikit - Financial eligibility requirements, at least
dibuktikan dengan: evidenced by:
i. Memiliki reputasi keuangan sebagaimana i. Having a financial reputation as described in
telah dijabarkan pada persyaratan reputasi the above financial reputation requirements
keuangan di atas.
ii. Memiliki kemampuan keuangan yang dapat ii. Having financial capability that can support
mendukung perkembangan bisnis Lembaga the business development of financial
Jasa keuangan. service institutions.
iii. Memiliki komitmen untuk melakukan iii. Having the financial capacity to make the
upaya-upaya yang diperlukan apabila necessary efforts if the Financial Services
Lembaga Jasa Keuangan menghadapi Institution faces financial difficulties.
kesulitan keuangan.

.01 .02 .03 .04
- Persyaratan kompetensi, paling sedikit - Competency requirements, including at least

meliputi pengetahuan dan/atau pengalaman knowledge and/or experience that support
yang mendukung pengelolaan Lembaga Jasa the management of the Financial Services
Keuangan dimana dicalonkan. Institution where it is nominated.
3. Memenuhi persyaratan sebagai anggota Direksi 3. Meet the requirements as a member of the Board
berdasarkan Anggaran Dasar Perseroan. of Directors based on the Company’s Articles of
Association.
KEHADIRAN DIREKSI DALAM RUPS BOARD OF DIRECTORS ATTENDANCE IN GMS
Sesuai dengan Surat Edaran OJK Nomor 16/ In accordance with OJK Circular Letter Number 16/
SEOJK.04/2021 Tentang Bentuk dan Isi Laporan SEOJK.04/2021 Concerning the Form and Content of
Tahunan Emiten atau Perusahaan Publik, Perseroan the Annual Report of Issuers or Public Companies, the
menyampaikan informasi mengenai kehadiran anggota Company conveys information regarding the presence of
Direksi dalam RUPST dan RUPSLB yang diselenggarakan the Board of Directors members at the AGMS and EGMS
pada 30 Maret 2021 di Function Room, Sentral Senayan held on March 30, 2021 in the Function Room, Sentral
III Lantai 28 Jl. Asia Afrika Nomor 8 Gelora Bung Karno Senayan III Floor 28 Jl. Asia Africa Number 8 Gelora Bung
– Senayan Jakarta Pusat. Karno – Senayan, Central Jakarta.
Jajaran Direksi Perseroan yang hadir secara dalam The Company’s Board of Directors who attended the
kegiatan RUPST dan RUPSLB tersebut adalah: AGMS and EGMS are:
1. Djaja Suryanto Sutandar : Presiden Direktur 1. Djaja Suryanto Sutandar : President Director
2. Zacharia Susantadiredja : Direktur 2. Zacharia Susantadiredja : Director
3. Anthony Yuarez Panggabean : Direktur 3. Anthony Yuarez Panggabean : Director
4. Njauw Vido Onadi : Direktur 4. Njauw Vido Onadi : Director
5. Wibowo : Direktur 5. Wibowo : Director
Dengan demikian tidak ada satupun jajaran Direksi Thus, all members of the Board of Directors participate
yang tidak mengikuti atau diwakili dalam kegiatan in the AGMS and EGMS on March 30, 2021.
RUPST dan RUPSLB pada 30 Maret 2021.
PROGRAM ORIENTASI ANGGOTA DIREKSI BARU NEW BOARD OF DIRECTORS ORIENTATION PROGRAM
Perseroan memiliki Program Orientasi untuk anggota The Company has an Orientation Program for new
direksi baru. Program orientasi direksi baru Perseroan members of the Board of Directors. The orientation
diselenggarakan oleh Sekretaris Perusahaan yang program for the Company’s new members of the Board
tujuannya memberikan pemahaman mengenai of Directors is organized by the Corporate Secretary to
Perseroan meliputi: provide an understanding of the Company, including:
1. Strategi Perseroan 1. Company Strategy
2. Tugas, tanggung jawab dan kewenangan Direksi 2. The duties, responsibilities and authorities of the
berdasarkan Anggaran Dasar dan Peraturan Board of Directors are based on the Articles of
Perundang-undangan yang berlaku di Indonesia Association and the prevailing laws and regulations
in Indonesia
3. Kebijakan terkait Tata Kelola Perusahaan 3. Policies related to Corporate Governance
4. Fasilitas dalam rangka mendukung pelaksanaan 4. Facilities to support the implementation of the
tugas Direksi duties of the Board of Directors

.05 .06 .07
PELATIHAN DAN PENGEMBANGAN DIREKSI TAHUN 2021 BOARD OF DIRECTORS TRAINING AND DEVELOPMENT IN
2021
Pelatihan dan Pengembangan Direksi sampai dengan Training and Development of the Board of Directors
31 Desember 2021: until December 31, 2021:
Penyelenggara, Tempat dan

Direksi Topik Pelatihan Tanggal Pelatihan
Director Training Topic Organizer, Venue and Date of
Training
Seminar Online Peluang dan Tantangan Kebijakan Restrukturisasi Tahap 2 Jakarta, 27 April 2021
Djaja Suryanto Online Seminar on Restructuring Policy Opportunities and Challenges Phase 2 Jakarta, April 27, 2021
Sutandar Jakarta, 27 Juli 2021
Online Seminar Cross-Industry Collaboration for Multifinance
Jakarta, July 27, 2021
Zacharia Seminar Online Peluang dan Tantangan Kebijakan Restrukturisasi Tahap 2 Jakarta, 27 April 2021
Susantadiredja Online Seminar on Restructuring Policy Opportunities and Challenges Phase 2 Jakarta, April 27, 2021
Jakarta, 27 Juli 2021
Pelindungan Data Pribadi dan Urgensinya dalam Menjaga Hak Privasi bagi
Anthony Yuarez Perusahaan yang Beroperasi di Indonesia Jakarta, 31 Agustus 2021
Panggabean Protection of Personal Data and Urgency in Maintaining Privacy Rights for Jakarta, August 31, 2021
Online Seminar on Restructuring Policy Opportunities and Challenges Phase 2 Jakarta, April 27, 2021
Njauw Vido Onadi
Online Seminar on Restructuring Policy Opportunities and Challenges Phase 2 Jakarta, April 27, 2021
Wibowo
Jakarta, 28 September 2021
Seminar Online Economic Outlook 2022
Jakarta, September 28, 2021

.01 .02 .03 .04
TATA CARA PENILAIAN KINERJA KOMITE DI BAWAH PROCEDURES FOR PERFORMANCE ASSESSMENT OF
DIREKSI COMMITTEES UNDER BOARD OF DIRECTORS
Prosedur penilaian yang dilakukan untuk melakukan The assessment procedure is carried out to evaluate the
penilaian kinerja Satuan Kerja atau Komite di bawah performance of the Work Units or Committees under
direksi sepanjang tahun 2021 adalah dengan melihat the Board of Directors throughout 2021 by considering
pencapaian fungsi dan tugas masing-masing, serta the achievement of their respective functions and duties
efektivitas dan efisiensi yang mendukung pelaksanaan and the effectiveness and efficiency that supports the
tugas dan tanggung jawab direksi Perseroan. implementation of the duties and responsibilities of
the Company’s Board of Directors.
Dalam hal ini, Komite Manajemen Risiko berperan In this regard, the Risk Management Committee plays
aktif memberikan sejumlah rekomendasi dan masukan an active role in providing some recommendations
terkait sistem dan pelaksanaan manajemen risiko and inputs related to the system and implementation
untuk tata kelola perusahaan. Demikian juga Sekretaris of risk management for corporate governance.
Perusahaan telah membantu memfasilitasi komunikasi Moreover, the Corporate Secretary helps facilitating
baik internal maupun eksternal Perseroan. Juga internal and external communication to the Company.
Audit Internal yang dinilai telah melakukan dengan Further, Internal Audit is considered to carry out a good
baik evaluasi atas efektivitas tata kelola di internal evaluation of the effectiveness of internal governance
Perseroan. in the Company.
PROSEDUR DAN PENILAIAN KINERJA KOMITE PROCEDURES AND PERFORMANCE ASSESSMENT OF RISK
MANAJEMEN RISIKO TAHUN 2021 MANAGEMENT COMMITTEE IN 2021
1. Prosedur pelaksanaan penilaian kinerja 1. Procedure for implementing performance

assessment
a. Masing-masing kriteria memiliki skor dari a. Each criterion has a score from 1 (one) to 5 (five).
1 (satu) sampai dengan 5 (lima).
b. Pilih skor untuk masing-masing kriteria sesuai b. Choose a score for each criterion according to the
dengan kondisi Perseroan. Company’s conditions.
c. Skor akhir merupakan rata-rata dari kriteria c. The final score is the average of the criteria
yang dilakukan penilaian. assessed.

.05 .06 .07
KRITERIA YANG DIGUNAKAN DALAM PENILAIAN KINERJA CRITERIA USED IN PERFORMANCE ASSESSMENT
1. Pelaksanaan rapat Komite Manajemen Risiko. 1. Implementation of the Risk Management

Committee meeting.
2. Tingkat kehadiran anggota komite manajemen 2. Attendance rate of risk management committee
risiko. members.
3. Pelaksanaan penyampaian laporan kerja komite 3. Implementation of the submission of the work
manajemen risiko. report of the risk management committee.
4. Pelaksanaan Matters Arising. 4. Implementation of Matters Arising.
5. Dokumentasi laporan kerja komite manajemen 5. Documentation of the work report of the risk
risiko. management committee.
Nilai Indikator Penilaian

Score Assessment Indicator
Sangat Buruk
1
Very Poor
Buruk
2
Poor
Cukup Baik
3
Sufficient
Baik
4
Good
Sangat Baik
5
Very Good
Pihak yang melakukan penilaian adalah Direksi The party conducting the assessment is the Board of
Perseroan. Directors of the Company.

.01 .02 .03 .04
Berikut ini indikator penilaian akhir Komite Manajemen The following are the indicators for the Risk
Risiko: Management Committee’s final assessment:
Score
Kriteria Score Penilaian
Criteria Assessment
1 2 3 4 5
Pelaksanaan
2 x dalam 4 x dalam 6 x dalam 8 x dalam
Rapat Komite 1 x dalam setahun
setahun setahun setahun setahun
Implementation 5
of Committee 1x in a year
2x in a year 4 x in a year 6 x in a year 8 x in a year
Meeting
Ketua dan Ketua dan
Wakil Ketua Ketua dan Wakil Ketua
Rapat tidak dihadiri Ketua dan Wakil
hadir 2 Wakil Ketua hadir 6
Tingkat Ketua dan Wakil Ketua Ketua hadir 8 x
x dalam hadir 4 x dalam x dalam
Kehadiran Komite dalam setahun
setahun setahun setahun
Anggota Komite
5
Attendance Level The meeting is not The Chairman and
The Chairman The Chairman The Chairman
of Committee attended by Chairman Vice Chairman
and Vice and Vice and Vice
Members and Vice Chairman of attend 8 times a
Chairman Chairman attend Chairman
Committee year
attend 2 times 4 times a year attend 6 times
a year a year
Laporan kerja Laporan kerja
disampaikan tidak tepat disampaikan
Pelaksanaan
waktu tepat waktu
Penyampaian 5
Submission
Work report is not Work report is
delivered on time submitted on time
Matters Arising
Seluruh
Matters Arising tidak dijalankan
Matters Arising
dijalankan sebagian
dijalankan
Matters Arising 5
Matters Arising is not Some Matters
All Matters Arising
running Arising are
are implemented
implemented
Laporan kerja tidak
Dokumentasi terdokumentasi dengan
Laporan Kerja baik
1
Work Report
Documentation Work reports are not well
documented
Rata-rata skor (%)
4,20
Average Score
PROSEDUR DAN PENILAIAN KINERJA SEKRETARIS PROCEDURE AND PERFORMANCE ASSESSMENT OF THE
PERUSAHAAN CORPORATE SECRETARY
Prosedur dan Penilaian kinerja yang dilakukan Procedures and performance assessment for the Corporate
untuk Sekretaris Perusahaan dilakukan oleh Direksi Secretary are carried out by the Board of Directors based
berdasarkan pencapaian kinerja Sekretaris Perusahaan on the performance achievements of the Corporate
sepanjang 2021. Direksi berpandangan Sekretaris Secretary throughout 2021. The Board of Directors views
Perusahaan telah dengan baik membantu memfasilitasi that the Corporate Secretary has helped facilitating
komunikasi baik internal maupun eksternal Perseroan. internal and external communication to the Company.

.05 .06 .07
PROSEDUR DAN PENILAIAN KINERJA AUDIT INTERNAL INTERNAL AUDIT PERFORMANCE ASSESSMENT AND
TAHUN 2021 DILAKUKAN MELALUI SKORING SEBAGAI PROCEDURES FOR 2021 ARE CARRIED OUT THROUGH
BERIKUT: SCORING AS FOLLOWS:
Pada tahun 2021 Audit Internal telah melaksanakan In 2021, Internal Audit carried out assurance activities for
kegiatan assurance terhadap unit bisnis Perseroan the Company’s business units through 120 (one hundred
sebanyak 120 (seratus dua puluh) kali pemeriksaan twenty) examinations consisting of:
terdiri dari:
Kategori Jumlah Pemeriksaan

No Category Total Inspection
Cabang
1 72 kali | times
Branch
Gudang
2 22 kali | times
Warehouse
3 Khazanah 6 kali | times
Kantor Pusat
4 11 kali | times
Head Office
Teknologi Informasi
5 7 kali | times
Audit Khusus
6 2 kali | times
Special Audit
Berdasarkan hasil pencapaian sepanjang tahun 2021, Based on the achievements throughout 2021, the Board
Direksi berpandangan bahwa Audit Internal sudah of Directors views that the Internal Audit has carried
melaksanakan fungsi dan tugasnya untuk membantu out its functions and duties to assist the performance
kinerja direksi dengan baik. of the Board of Directors properly.

.01 .02 .03 .04
Dewan Komisaris
Sesuai dengan Undang-Undang Nomor 40 Tahun In accordance with Limited Liability Company Law
2007 tentang Perseroan Terbatas, Dewan Komisaris Number 40 of 2007, the Board of Commissioners in
merupakan organ Perseroan yang memiliki tugas an organ of the Company with supervisory duties and
dan tanggung jawab pengawasan atas kebijakan responsibilities on management policies, management
pengurusan, jalannya pengurusan pada umumnya implementations in general both for the Company or
baik mengenai Perseroan dan memberi nasihat kepada being an advisor for the Board of Directors.
Direksi.
Dasar hukum pembentukan dan penunjukan Dewan The legal basis on the establishment and appointment
Komisaris Perseroan mengacu pada beberapa of the Company’s Board of Commissioners refer to
ketentuan antara lain: several provisions, including:
1. Undang-Undang Nomor 40 Tahun 2007 tentang 1. Law Number 40 of 2007 on Limited Liability
Perseroan Terbatas. Company.
2. Anggaran Dasar Perseroan. 2. Article of Association of the Company.
3. POJK Nomor 30/POJK.05/2014 tentang Tata Kelola 3. POJK Number 30/POJK.05/2014 on Good Corporate
Perusahaan yang Baik Bagi Perusahaan Pembiayaan Governance for Financing Company and its
dan perubahannya sebagaimana tercantum pada amendment as stipulated in POJK Number 29/
POJK Nomor 29/POJK.05/2020. POJK.05/2020.
4. POJK Nomor 33/POJK.04/2014 tentang Direksi dan 4. POJK Number 33/POJK.04/2014 on the Board of
Dewan Komisaris Emiten Atau Perusahaan Publik. Directors and the Board of Commissioners of Issuers
or Public Company.
5. POJK Nomor 27/POJK.03/2016 tentang Penilaian 5. POJK Number 27/POJK.03/2016 on Fit and
Kemampuan dan Kepatutan Bagi Pihak Utama Proper Test for Main Parties of Financial Services
6. Akta Pernyataan Keputusan Rapat Perseroan 6. Deed of Statement of Company’s Meeting
Nomor 15 tanggal 12 Maret 2020 yang dibuat Resolutions Number 15 dated March 12, 2020 made
di hadapan Aulia Taufani, S.H., Notaris di Kota before Aulia Taufani, S.H., Notary in South Jakarta.
Administrasi Jakarta Selatan.
7. Akta Pernyataan Keputusan Rapat Perseroan Nomor 7. Deed of Statement of Company’s Meeting
181 tanggal 30 Juli 2020 yang dibuat di hadapan Resolutions Number 181 dated July 30, 2020 made
Aulia Taufani, S.H., Notaris di Kota Administrasi before Aulia Taufani, S.H., Notary in South Jakarta.
Jakarta Selatan.

.05 .06 .07
SUSUNAN DAN KOMPOSISI DEWAN KOMISARIS BOARD OF COMMISSIONERS STRUCTURE AND COMPOSITION
Susunan dan komposisi anggota Dewan Komisaris The composition as well as structure of the Company’s
Perseroan telah memenuhi ketentuan yang berlaku Board of Commissioners has fullfilled the prevailing
yaitu: provisions as follows:
POJK Nomor 30/POJK.05/2014 tentang Tata Kelola Perusahaan yang

Baik Bagi Perusahaan Pembiayaan dan perubahannya sebagaimana
tercantum pada POJK Nomor 29/POJK.05/2020 Implementasi di Perseroan
No
POJK Number 30/POJK/05/2014 on Good Corporate Governance for Implementation in the Company
Financing Company and its amendment as stipulated under POJK Number
29/POJK.05/2020
Perusahaan yang memiliki aset lebih dari Rp200.000.000.000,00

(dua ratus miliar rupiah) wajib memiliki paling sedikit 2 (dua) orang Perseroan memiliki 5 (lima) anggota Dewan
anggota Dewan Komisaris. Komisaris.
1
Company with assets of more than Rp200,000,000,000.00 (two hundred The Company has 5 (five) Board of Commissioners
billion rupiah) is required to have at least 2 (two) members of the Board of members.
Commissioners.
Perusahaan wajib mempunyai paling sedikit 1 (satu) orang anggota
Seluruh anggota Dewan Komisaris berdomisili
Dewan Komisaris yang berdomisili di wilayah negara Republik
di wilayah negara Republik Indonesia.
Indonesia.
2
All Board of Commissioners members are domiciled
Company must have at least 1 (one) member of the Board of Commissioners
in the Republic of Indonesia.
who is domiciled in the territory of the Republic of Indonesia.
Seluruh anggota Dewan Komisaris tidak pernah
Anggota Dewan Komisaris harus memenuhi persyaratan tidak pernah
menjadi anggota Direksi pada perusahaan
menjadi anggota Direksi pada Perusahaan yang sama dalam kurun
pembiayaan yang sama dalam kurun waktu 6
waktu 6 (enam) bulan terakhir
(enam) bulan terakhir.
3
Members of the Board of Commissioners must meet the requirements of
All members of the Board of Commissioners have
never being a member of the Board of Directors in the same company within
never been members of the Board of Directors in the
the last 6 (six) months
same finance company in the last 6 (six) months.
2 (dua) orang dari 5 (lima) orang atau 40%
Perusahaan yang memiliki aset lebih dari Rp200.000.000.000,00
(empat puluh persen) dari anggota Dewan
(dua ratus miliar rupiah) wajib memiliki paling sedikit 1 (satu) orang
Komisaris Perseroan merupakan Komisaris
Komisaris Independen.
Independen.
4
Company with assets more than Rp200,000,000,000.00 (two hundred
2 (two) of the 5 (five) people or 40% (forty percent)
billion rupiahs) is required to have at least 1 (one) Independent
of the members of the Company's Board of
Commissioner.
Commissioners are Independent Commissioners.

.01 .02 .03 .04
POJK Nomor 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris

Emiten Atau Perusahaan Publik Implementasi di Perseroan
No
POJK Number 33/POJK.04/2014 on the Board of Directors and the Board of Implementation in the Company
Commissioners of Issuers or Public Company.
Dalam hal Dewan Komisaris terdiri lebih dari 2 (dua) orang anggota 2 (dua) orang dari 5 (lima) orang atau 40%
Dewan Komisaris, jumlah Komisaris Independen wajib paling (empat puluh persen) dari anggota Dewan
kurang 30% (tiga puluh persen) dari jumlah seluruh anggota Dewan Komisaris Perseroan merupakan Komisaris
Komisaris. Independen.
1
In the event where there are more than 2 (two) members of the Board of 2 (two) of 5 (five) persons or equal to 40% of
Commissioners, the number of Independent Commissioners must be at least Company’s Board of Commissioners members are
30% (thirty percent) of the total members of the Board of Commissioners. Independent Commissioners.
1 (satu) di antara anggota Dewan Komisaris diangkat menjadi
komisaris utama atau presiden komisaris. Perseroan memiliki 1 (satu) Presiden Komisaris.
2
1 (one) member of the Board of Commissioners is appointed as the main The Company has 1 (one) President Commissioners.
commissioner or president commissioner.
Pengangkatan anggota Dewan Komisaris
Usulan pengangkatan, pemberhentian dan/atau penggantian
Perseroan telah memperhatikan rekomendasi
anggota Dewan Komisaris kepada RUPS harus memperhatikan
Komite Nominasi dan Remunerasi Perseroan
rekomendasi dari Dewan Komisaris atau komite yang menjalankan
serta memperoleh persetujuan dari RUPS.
fungsi nominasi.
3
The appointment of Board of Commissioners
Proposed appointments, terminations and/or replacements of member
members of the Company has considered the
of the Board of Commissioners to the GMS must consider the
recommendations from the Nomination and
recommendations of the Board of Commissioners or the committee that
Remuneration Committee of the Company’s and
carries out the nomination function.
obtained approval from the GMS.
POJK Nomor 47/POJK.05/2020 tentang Perizinan Usaha dan

Kelembagaan Perusahaan Pembiayaan dan Perusahaan Pembiayaan
Implementasi di Perseroan
Syariah
No
Implementation in the Company
POJK Number 47/POJK.05/2020 on Business Permit and Institutional
Financing Companies and Sharia Financing Companies
Terdapat 1 (satu) orang dari 5 (lima) orang atau

20% (dua puluh persen) dari anggota Dewan
Komisaris yang merupakan tenaga kerja asing.
Dengan demikian anggota Dewan Komisaris
Perusahaan yang menggunakan tenaga kerja asing yang dipekerjakan yang merupakan Warga Negara Indonesia
sebagai Dewan Komisaris wajib memiliki paling sedikit 50 % (lima sebanyak 4 (empat) orang dari 5 (lima) orang
puluh persen) anggota Dewan Komisaris yang merupakan Warga atau 80% (delapan puluh persen) dari anggota
Negara Indonesia. Dewan Komisaris.
1
Company using foreign workers as the Board of Commissioners must have 1 (one) person out of 5 (five) people or 20%
at least 50% (fifty percent) of the members of the Board of Commissioners (twenty percent) of the members of the Board
with Indonesian citizenship. of Commissioners is a foreign worker. Thus, the
members of the Board of Commissioners with
Indonesian citizenship are 4 (four) out of 5 (five)
people or 80% (eighty percent) of the members of
the Board of Commissioners.

.05 .06 .07
Merujuk pada ketentuan POJK Nomor 27/POJK.03/2016 Referring to the provisions of POJK Number 27/
tentang Penilaian Kemampuan dan Kepatutan POJK.03/2016 on the Fit and Proper Test for Main Parties
Bagi Pihak Utama Lembaga Jasa Keuangan maka of Financial Services Institutions, the candidate of Board
calon anggota Dewan Komisaris wajib memperoleh of Commissioners members must obtain approval from
persetujuan dari OJK sebelum menjalankan tindakan, the OJK prior to conduct their actions, duties and
tugas dan fungsinya. Seluruh anggota Dewan Komisaris functions. All Board of Commissioners members have
Perseroan telah memperoleh persetujuan dari OJK obtained approval from the OJK (passing the fit and
(lulus uji kemampuan dan kepatutan dari OJK) sebelum proper test from the OJK) before carrying out their
menjalankan tugas dan fungsi jabatannya. Adapun duties and functions. The composition of the Company’s
susunan Dewan Komisaris Perseroan pada tahun 2021 Board of Commissioners in 2021 is:
yaitu:
Jabatan Nama Periode Jabatan

Position Name Term of Office

RUPST Tahun 2020 – RUPST Tahun 2023
President Commissioner/Independent I Nyoman Tjager
2020 AGMS – 2023 AGMS
Commissioner
Wakil Presiden Komisaris RUPST Tahun 2020 – RUPST Tahun 2023
Robbyanto Budiman
Vice President Commissioner 2020 AGMS – 2023 AGMS
Komisaris RUPST Tahun 2020 – RUPST Tahun 2023
Garibaldi Thohir
Commissioner 2020 AGMS – 2023 AGMS
Komisaris RUPST Tahun 2020 – RUPST Tahun 2023
Commissioner 2020 AGMS – 2023 AGMS
Komisaris Independen RUPST Tahun 2020 – RUPST Tahun 2023
Myrnie Zachraini Tamin
Independent Commissioner 2020 AGMS – 2023 AGMS
MASA JABATAN DEWAN KOMISARIS BOARD OF COMMISSIONERS TERM OF OFFICE
Sesuai Anggaran Dasar Perseroan, masa jabatan anggota In accordance with the Articles of Association of the
Dewan Komisaris adalah terhitung sejak tanggal Company, the tenure of Board of Commissioners
RUPS yang mengangkatnya sampai ditutupnya RUPST members is from the date of which GMS appoints
yang ke-3 (tiga) setelah tanggal pengangkatannya them until the closing of the 3rd (third) AGMS after
tersebut. Masa jabatan anggota Dewan Komisaris yang the date of their appointment. The term of office of
menjabat saat ini akan berakhir pada saat ditutupnya current Board of Commissioners members will end at
RUPST Perseroan tahun 2023. RUPS tetap memiliki the closing of the Company’s AGMS in 2023. The GMS
kewenangan untuk memberhentikan seorang atau has the authority to dismiss one or more Board of
lebih anggota Dewan Komisaris sewaktu-waktu Commissioners members at any time before their term
sebelum masa jabatannya berakhir. of office ends.

.01 .02 .03 .04
PEDOMAN DAN TATA TERTIB KERJA DEWAN KOMISARIS BOARD OF COMMISSIONERS CHARTER
Perseroan telah memiliki Piagam Dewan Komisaris yang The Company has in place the Board of Commissioners
disetujui oleh Dewan Komisaris pada tanggal 18 April Charter which was approved by the Board of
2018 untuk menjadi rujukan/pedoman bagi anggota Commissioners on April 18, 2018 as a reference/guideline
Dewan Komisaris Perseroan dalam menjalankan for the Company’s Board of Commissioners members
tugasnya secara efektif dan efisien maupun untuk in carrying out their duties in an effective and efficient
pihak-pihak lain yang terkait dengan pelaksanaan manners as well as for other parties related to the Board
tugas Dewan Komisaris. of Commissioners implementation of the duties.
Untuk memastikan Piagam Dewan Komisaris tetap To ensure that the Board of Commissioners Charter
relevan bagi setiap anggota Dewan Komisaris Perseroan, remains relevant to each Board member, the Board of
Piagam Dewan Komisaris akan diperbaharui dari waktu Commissioners Charter is updated from time to time in
ke waktu dengan memperhatikan perkembangan line with the development in laws and regulations as
peraturan perundang-undangan dan praktik terbaik. well as best practices in relevant industry.
Piagam Dewan Komisaris terakhir diperbaharui pada The Board of Commissioners Charter was last updated
tanggal 18 April 2018 dan dapat diakses melalui on April 18, 2018 and can be accessed by the public
website Perseroan: www.wom.co.id. Secara umum, through the Company’s website (www.wom.co.id). In
Piagam Dewan Komisaris mengatur tentang: general, the Board of Commissioners Charter regulates:
1. Landasan Hukum Piagam 1. Legal Basis of the Charter
2. Struktur dan Komposisi Dewan Komisaris 2. BOC Structure and Composition
3. Batasan Rangkap Jabatan Anggota Dewan 3. Limitation of Multiple Positions for BOC Members
Komisaris
4. Pengangkatan Anggota Dewan Komisaris 4. Appointment of BOC Members
5. Masa Jabatan Anggota Dewan Komisaris 5. Term of Office of BOC Members
6. Pengunduran Diri Anggota Dewan Komisaris 6. Resignation of BOC Members
7. Jabatan Anggota Dewan Komisaris Berakhir 7. End of Tenure of BOC Member
8. Deskripsi Tugas dan Tanggung Jawab Dewan 8. Description of BOC Duties and Responsibilities
Komisaris
9. Kewenangan Anggota Dewan Komisaris 9. BOC Authority
10. Waktu Kerja 10. Working Time
11. Keanggotaan dalam Komite Tata Kelola Terintegrasi 11. Membership in the Integrated Governance Committee
12. Nilai-nilai Dasar (Core Values) dan Etika Kerja 12. Core Values and Work Ethics
13. Transparansi Kepemilikan Saham dan Pengungkapan 13. Transparency of Share Ownership and Disclosure of
Hubungan Keuangan dan Hubungan Keluarga Financial and Family Relationships
14. Rapat Dewan Komisaris 14. BOC Meetings
15. Penilaian Kinerja Dewan Komisaris 15. BOC Performance Assessment
16. Remunerasi 16. Remuneration
17. Sertifikasi dan Syarat Keberlanjutan 17. Certification and Sustainability Requirements
18. Pelaporan dan Pertanggungjawaban 18. Reporting and Accountability

.05 .06 .07
TUGAS DAN TANGGUNG JAWAB DEWAN KOMISARIS BOARD OF COMMISSIONERS DUTIES AND RESPONSIBILITIES
Dewan Komisaris Perseroan memiliki tugas dan The Company’s Board of Commissioners has duties and
tanggung jawab antara lain: responsibilities, among others:
1. Bertanggung jawab melakukan pengawasan atas 1. Being responsible to supervise the Board of
kebijakan Direksi dalam menjalankan Perseroan, Directors policy in performing the Company, the
jalannya pengurusan pada umumnya, baik general course of management, both regarding
mengenai Perseroan maupun usaha Perseroan the Company as well as its business and providing
dan memberikan nasihat kepada Direksi guna advice to the Board of Directors for the benefit of
kepentingan Perseroan dan sesuai dengan maksud the Company and in accordance with the aims and
dan tujuan Perseroan. objectives of the Company.
2. Mengarahkan, memantau dan mengevaluasi 2. Directing, monitoring and evaluating the
pelaksanaan kebijakan strategis Perseroan. implementation of the Company’s strategic policies.
3. Melakukan pengawasan atas pelaksanaan 3. Supervise the implementation of the Board of
tanggung jawab Direksi terhadap penerapan Directors responsibilities in implementing anti-
program anti pencucian uang dan pencegahan money laundering and terrorism financing
pendanaan terorisme. prevention programs.
4. Memastikan adanya pembahasan terkait anti 4. Ensuring on availability of discussion regarding
pencucian uang dan pencegahan pendanaan anti-money laundering and prevention of terrorism
terorisme dalam rapat Direksi dan rapat Dewan financing in the Board of Directors and Board of
Komisaris. Commissioners meetings.
5. Melakukan pengawasan terhadap terselenggaranya 5. Supervising the GCG implementation in every
pelaksanaan GCG dalam setiap kegiatan usaha di business activity at all levels of the organization.
semua tingkatan organisasi.
6. Memastikan Direksi telah menindaklanjuti 6. Ensuring that the Board of Directors has followed
temuan audit dan rekomendasi dari Internal Audit up on audit findings and recommendations from
Perseroan, auditor eksternal, hasil pengawasan OJK the Company’s Internal Audit, external auditors,
dan/atau hasil pengawasan otoritas lainnya. the results of OJK supervision and or the results of
supervision by other authorities.
7. Dalam rangka mendukung efektivitas pelaksanaan 7. In order to support the effectiveness of the
tugas dan tanggung jawabnya, Dewan Komisaris implementation of its duties and responsibilities,
wajib membentuk komite-komite. Setiap komite the BOC must establish committees. Each
akan dipandu oleh Pedoman dan Tata Tertib Kerja committee will be guided by the Work Guidelines
yang ditetapkan dan/atau disetujui oleh Dewan and Procedures established and/or approved by the
Komisaris. Komite-Komite tersebut adalah: BOC. These Committees are:
i. Komite Audit; i. Audit Committee;
ii. Komite Nominasi dan Remunerasi; ii. Nomination and Remuneration Committee;
iii. Komite Pemantau Risiko. iii. Risk Monitoring Committee.
8. Mengevaluasi kinerja komite terkait pelaksanaan 8. Evaluating the performance of the committee in
tugas dan tanggung jawabnya sebagaimana relation to the implementation of its duties and
dimaksud angka (7) di atas. responsibilities as referred to in number (7) above.
9. Memberikan persetujuan dalam hal Dewan 9. Providing approval, if the Company’s Sharia
Pengawas Syariah Perseroan memerlukan bantuan Supervisory Board requires assistance from a
anggota komite yang struktur organisasinya berada committee member whose organizational structure
di bawah Dewan Komisaris. is under the Board of Commissioners.
10. Mengkaji visi dan misi Perseroan. 10. Reviewing the Company’s vision and mission.

.01 .02 .03 .04
11. Me-review dan menyetujui laporan tahunan 11. Reviewing and approving the Company’s annual
Perseroan. report.
12. Menyusun/memiliki Piagam Dewan Komisaris untuk 12. Preparing/developing a Board of Commissioners
digunakan sebagai pedoman bagi Dewan Komisaris Charter to be used as a guideline in carrying out its
dalam menjalankan fungsi, tugas dan tanggung functions, duties and responsibilities in overseeing
jawabnya dalam mengawasi jalannya Perseroan. the running of the Company.
13. Menyelenggarakan rapat Dewan Komisaris yang 13. Organizing the Board of Commissioners meeting at
paling sedikit mencakup frekuensi, kehadiran dan least covering frequency, attendance and decision-
tata cara pengambilan keputusan sebagaimana making procedures as stipulated in the Board of
diatur dalam Piagam Dewan Komisaris yang berlaku Commissioners Charter in the Company.
di Perseroan.
14. Menerima pengaduan/pelaporan secara tertulis 14. Receiving complaints/reports in writing from
dari karyawan Perseroan, pemegang saham atau employees of the Company, shareholders or third
pihak ketiga terkait temuan dugaan pelanggaran parties regarding the findings of alleged violations
sehubungan dengan pelaporan keuangan in connection with the Company’s financial
Perseroan. reporting.
15. Melakukan tindak lanjut penyelesaian pengaduan/ 15. Following up the settlement of complaints/reports
pelaporan dugaan pelanggaran terkait laporan of suspected violations related to the Company’s
keuangan Perseroan dengan mempertimbangkan financial statements by considering the results of
hasil telaahan yang telah dilakukan Komite Audit the Company’s Audit Committee regarding the
Perseroan terkait pengaduan/pelaporan tersebut. complaints/reports.
16. Khusus Komisaris Independen, Komisaris 16. Specifically for Independent Commissioners, the
Independen wajib melaporkan kepada OJK paling Independent Commissioners are required to report to
lambat 10 (sepuluh) hari kalender sejak ditemukan: OJK no later than 10 (ten) calendar days after finding:
i. Pelanggaran peraturan perundang-undangan di i. Violation of laws and regulations in financing;
bidang pembiayaan; dan/atau and/or
ii. Keadaan atau perkiraan keadaan yang dapat ii. Conditions or estimates of circumstances that could
membahayakan kelangsungan usaha Perseroan. endanger the continuity of the Company’s business.
17. Melakukan tugas dan tanggung jawab Dewan 17. Performing other duties and responsibilities of the
Komisaris lainnya yang ditetapkan oleh Anggaran Board of Commissioners as stipulated by the Articles
Dasar, peraturan internal Perseroan dan ketentuan of Association, the Company’s internal regulations
peraturan perundang-undangan yang berlaku bagi and the laws and regulations applicable to the
Dewan Komisaris. Board of Commissioners.
KEWENANGAN DEWAN KOMISARIS BOARD OF COMMISSIONERS AUTHORITY
Dewan Komisaris Perseroan memiliki wewenang antara The Company’s Board of Commissioners has the
lain: following authority:
1. Anggota Dewan Komisaris baik bersama-sama 1. The Board of Commissioners member both
maupun sendiri-sendiri setiap waktu dalam jam individually and jointly any time during the
kerja kantor Perseroan berhak memasuki bangunan Company’s office hours have the right to enter the
dan halaman atau tempat lain yang dipergunakan buildings and courtyards or other places used or
atau yang dikuasai oleh Perseroan. controlled by the Company.
2. Anggota Dewan Komisaris baik bersama-sama 2. The Board of Commissioners member both
maupun sendiri-sendiri berhak memeriksa dan individually and jointly have the right to examine
mencocokkan pembukuan Perseroan dan lain-lain and match the Company’s books and others and
serta berhak untuk mengetahui segala tindakan have the right to know all actions that have been
yang telah dijalankan oleh Direksi. carried out by the Board of Directors.

.05 .06 .07
3. Direksi dan setiap anggota Direksi wajib 3. The Board of Directors and each member of the
memberikan penjelasan tentang segala hal yang Board of Directors are required to provide an
ditanyakan oleh Anggota Dewan Komisaris. explanation of all matters being asked by the Board
of Commissioners members.
4. Dewan Komisaris berwenang untuk memberikan 4. The Board of Commissioners shall has the authority
persetujuan kepada Direksi dalam melakukan to approve legal actions by the Board of Directors
perbuatan hukum tertentu sebagaimana as stipulated in the Articles of Association.
ditentukan dalam Anggaran Dasar.
5. Jika dianggap perlu, Dewan Komisaris berhak 5. If deemed necessary, the Board of Commissioners
meminta bantuan tenaga ahli dalam melaksanakan has the right to request assistance from experts in
tugasnya untuk jangka waktu terbatas atas beban carrying out its duties for a limited period at the
Perseroan. expense of the Company.
INDEPENDENSI DEWAN KOMISARIS BOARD OF COMMISSIONERS INDEPENDENCY
Dewan Komisaris dalam melaksanakan tugas dan The Board of Commissioners in performing its duties
tanggung jawabnya bertindak independen antara lain and responsibilities shall act independently among
dengan cara: others by means of:
1. Memiliki komitmen untuk mengawasi 1. Commitment to supervise the Company’s action by
tindakan Perseroan dengan mengedepankan prioritizing their professionalism.
profesionalismenya.
2. Pengambilan keputusan dalam Rapat Dewan 2. Decision making in the Board of Commissioners
Komisaris harus objektif dan bebas dari tekanan meeting which shall be objective and free from
pihak manapun juga, khususnya dari pemegang pressures from any party, especially from controlling
saham pengendali. shareholders.
3. Menghindari terjadinya campur tangan/dominasi 3. Avoid any intervention/unreasonal domination
yang tidak wajar dari pihak manapun juga serta from any party and not affected by one side interest
tidak terpengaruh oleh kepentingan sepihak dan and free from conflicts of interest.
bebas dari benturan kepentingan.
4. Tidak pernah memanfaatkan Perseroan untuk 4. Never take advantage from the Company for
kepentingan pribadi, keluarga dan/atau pihak personal, family and/or other party interests that
lain yang dapat merugikan atau mengurangi may harm or reduce the Company’s profits.
5. Tidak pernah mengambil dan/atau menerima 5. Never take and/or receive personal benefits from
keuntungan pribadi dari Perseroan selain the Company other than remuneration and other
remunerasi dan fasilitas lainnya yang ditetapkan facilities as determined by the GMS.
berdasarkan RUPS.
6. Tidak melakukan hal-hal lain yang dapat 6. Not doing other things that could affect the ability
mempengaruhi kemampuan untuk bertindak to act independently as regulated in the applicable
independen sebagaimana diatur dalam peraturan regulations.
yang berlaku.

.01 .02 .03 .04
JUMLAH KOMISARIS INDEPENDEN AMOUNT OF INDEPENDENT COMMISSIONER
Pada tahun 2021, Perseroan memiliki 2 (dua) orang In 2021, the Company has 2 (two) Independent
anggota Komisaris Independen dari total 5 (lima) orang Commissioners out of a total of 5 (five) BOC members or
anggota Dewan Komisaris Perseroan atau setara dengan equivalent to 40% (forty percent) of the total members
40% (empat puluh persen) dari jumlah seluruh anggota of the Company’s Board of Commissioners. Therefore,
Dewan Komisaris Perseroan sehingga keanggotaan the membership of the Independent Commissioners
Komisaris Independen pada susunan anggota Dewan in the composition of the Company’s Board of
Komisaris Perseroan telah memenuhi ketentuan POJK Commissioners has complied with the provisions of
Nomor 33/POJK.04/2014 tentang Direksi dan Dewan POJK Number 33/POJK.04/2014 on Board of Directors
Komisaris Emiten Atau Perusahaan Publik serta and Board of Commissioners of Issuers or Public
POJK Nomor 30/POJK.05/2014 tentang Tata Kelola Companies and POJK Number 30/POJK.05/2014 on
Perusahaan yang Baik Bagi Perusahaan Pembiayaan Good Corporate Governance for Financing Companies
dan perubahannya sebagaimana tercantum pada POJK and its amendments are as stated in POJK Number 29/
Nomor 29/POJK.05/2020. Seluruh Komisaris Independen POJK.05/2020. All Independent Commissioners of the
Perseroan telah memperoleh persetujuan dari OJK Company have obtained approval from the OJK (passed
(lulus uji kemampuan dan kepatutan dari OJK) dan the fit and proper test from the OJK) and have been
telah diangkat berdasarkan persetujuan RUPS. appointed based on the approval of the GMS.
KRITERIA KOMISARIS INDEPENDEN CRITERIA OF INDEPENDENT COMMISSIONER
Kriteria Komisaris Independen Perseroan: The criteria for the Company’s Independent
Commissioners include:
1. Bukan merupakan orang yang bekerja atau 1. Not a person who works or has the authority
mempunyai wewenang dan tanggung jawab untuk and responsibility to plan, lead, control or
merencanakan, memimpin, mengendalikan atau supervise the Company’s activities within the
mengawasi kegiatan Perseroan dalam waktu 6 last 6 (six) months, except for reappointment as
(enam) bulan terakhir, kecuali untuk pengangkatan Independent Commissioner of the Company for
kembali sebagai Komisaris Independen the following period by taking into account that
Perseroan pada periode berikutnya dengan tetap any reappointment for Independent Commissioner
memperhatikan bahwa pengangkatan kembali who has served for more than 2 (two) periods shall
Komisaris Independen yang telah menjabat declare his independency to the GMS and such
selama 2 periode wajib menyatakan kepada RUPS declaration should be also disclosed in the Annual
bahwa dirinya tetap independen dan pernyataan Report.
independensinya tersebut wajib diungkapkan
dalam laporan tahunan.
2. Tidak mempunyai saham baik langsung maupun 2. Do not own shares, either directly or indirectly, in
tidak langsung pada Perseroan. the Company.
3. Tidak mempunyai hubungan afiliasi dengan 3. Has no affiliation with the Company, fellow
Perseroan, anggota Dewan Komisaris, anggota members of Board of Commissioners, Board of
Direksi, atau pemegang saham utama Perseroan. Directors or major shareholders of the Company.
4. Tidak mempunyai hubungan usaha baik langsung 4. Do not have a business relationship, either directly
maupun tidak langsung yang berkaitan dengan or indirectly, related to the Company’s business
kegiatan usaha Perseroan. activities.

.05 .06 .07
5. Memahami peraturan perundang-undangan di 5. Understand laws and regulations in financing and

bidang pembiayaan dan peraturan perundang- other relevant laws and regulations.
undangan lain yang relevan.
6. Berdomisili di Indonesia. 6. Domiciled in Indonesia.
7. Memiliki pengetahuan yang baik mengenai kondisi 7. Have a good knowledge of the Company’s financial
keuangan Perseroan. condition.
8. Memenuhi persyaratan lain dari Komisaris 8. Fulfill other requirements of the Independent
Independen sesuai peraturan yang berlaku. Commissioner in accordance with applicable
regulations.
PERNYATAAN INDEPENDENSI KOMISARIS INDEPENDEN STATEMENT OF INDEPENDENCY OF INDEPENDENT

COMMISSIONER
Komisaris Independen Perseroan yang telah menjabat The Company’s Independent Commissioner with
selama 2 (dua) periode berturut-turut dapat diangkat 2 (two) consecutive term of office may be reappointed in
kembali pada periode selanjutnya sebagai Komisaris the next period as an Independent Commissioner if he/she
Independen dalam hal menyatakan dalam RUPS declares regarding the independency at the GMS.
mengenai independensi yang bersangkutan.
Perseroan memiliki Komisaris Independen yang telah The Company has Independent Commissioners who
diangkat lebih dari 2 (dua) periode, yakin Bapak have been appointed for more than 2 (two) periods,
I Nyoman Tjager dan Ibu Myrnie Zachraini Tamin. namely I Nyoman Tjager and Myrnie Zachraini Tamin
Keduanya ketika diangkat kembali pada RUPST 2020 who have stated their independency in carrying out
menyatakan tetap independen dalam melaksanakan their duties as Independent Commissioners in 2020.
jabatannya selaku Komisaris Independen dan The independency statement has also written in each
pernyataan independensi tersebut juga telah respective Statement of Independency of Independent
dituangkan dalam masing-masing surat pernyataan Commissioner.
independensi Komisaris Independen.
Surat pernyataan independensi Komisaris Independen The Statement of Independency of Independent

dimaksud di atas memuat pernyataan sebagaimana Commissioner consists as follows below:
diuraikan di bawah ini:
Pernyataan
No
Statement
Tidak memiliki hubungan keuangan, hubungan kepengurusan, hubungan kepemilikan saham dan/atau hubungan
keluarga dengan anggota Dewan Komisaris Perseroan lainnya, Direksi Perseroan, anggota Dewan Pengawas Syariah
(DPS) Perseroan dan/atau Pemegang Saham Pengendali Perseroan atau hubungan dengan Perseroan, yang dapat
mempengaruhi kemampuannya untuk bertindak independen sebagaimana diatur dalam ketentuan pelaksanaan Good
Corporate Governance bagi Perusahaan Pembiayaan dan dalam ketentuan pelaksanaan Good Corporate Governance
1
bagi Emiten atau Perusahaan Publik.
Do not have a relationship in financial and management, share ownership and/or family relationship with fellow members of
the Board of Commissioners, the Board of Directors, Sharia Supervisory Board and/or the Company’s Controlling Shareholders,
or relationship with the Company, which may affect their ability to act independently as regulated in provisions on the GCG
implementation for Financing Companies and in the provisions for Good Corporate Governance for Issuers or Public Companies.
Tidak mempunyai saham baik langsung maupun tidak langsung pada Perseroan.
2
Do not have direct or indirect shares in the Company.

.01 .02 .03 .04
Pernyataan
No
Statement
Tidak mempunyai hubungan afiliasi dengan Perseroan, anggota Dewan Komisaris Perseroan, anggota Direksi
Perseroan, anggota DPS Perseroan, atau pemegang saham utama Perseroan.
3
Has no affiliation with the Company, members of the Board of Commissioners, the Board of Directors, Sharia Supervisory Board,
or major shareholders of the Company.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha
4 Perseroan.
Do not have a business, either directly or indirectly, related to the Company’s business activities.
Apabila di kemudian hari, ditemukan memiliki hubungan sebagaimana dimaksud pada butir 1-4 di atas, maka Komisaris
Independen yang bersangkutan bersedia melepaskan jabatan sebagai Komisaris Independen dan bersedia untuk diganti.
If in the future, it is found to have a relationship as referred to in points 1-4 above, the respective Independent Commissioner is willing to
resign as an Independent Commissioner and to be further replaced.
KEPUTUSAN DAN PERSETUJUAN DEWAN KOMISARIS DECISIONS AND APPROVAL OF THE BOARD OF
TAHUN 2021 COMMISSIONERS IN 2021
Sepanjang tahun 2021, Dewan Komisaris mengeluarkan Throughout 2021, the Board of Commissioners issued
keputusan Dewan Komisaris sebanyak 19 (sembilan belas). 19 (nineteen) Resolution Letter of Commissioners.
KEBERAGAMAN DEWAN KOMISARIS BOARD OF COMMISSIONERS DIVERSITY
Penentuan komposisi anggota Dewan Komisaris The composition of the Board of Commissioners
dilakukan dengan memperhatikan keberagaman members is determined by taking into account on
keahlian, pengetahuan dan pengalaman yang diversity of expertise, knowledge and experience
dibutuhkan untuk mendukung pelaksanaan tugasnya required to support the implementation of their duties
selaku anggota Dewan Komisaris. as Board of Commissioners members.
Komposisi Dewan Komisaris Perseroan telah The composition of the Company’s Board of
mencerminkan keberagaman anggotanya, baik dalam Commissioners reflects the diversity of its members,
hal pendidikan (bidang studi), pengalaman kerja, usia both in terms of education (field of study), work
yang dapat dilihat dari profil masing-masing anggota experience and age which can be seen from the profiles
Dewan Komisaris Perseroan. of each Board of Commissioners member.
KRITERIA ANGGOTA DEWAN KOMISARIS CRITERIA OF BOARD OF COMMISSIONERS
Yang dapat diangkat sebagai anggota Dewan Komisaris Those who can be appointed as the Board of
adalah orang perseorangan yang memenuhi kriteria Commissioners members are individuals who meet the
dan persyaratan sesuai dengan: criteria and requirements in accordance with:
1. POJK Nomor 33/POJK.04/2014 tentang Direksi dan 1. POJK Number 33/POJK.04/2014 on the Board of
Dewan Komisaris Emiten Atau Perusahaan Publik, Directors and the Board of Commissioners of Issuers
yang mensyaratkan anggota Dewan Komisaris and or Public Company which required the Board of
harus: Commissioners to :
a. Mempunyai akhlak, moral dan integritas yang a. Have good moral, ethics and integrity.
baik.
b. Cakap melakukan perbuatan hukum. b. Capable to conduct legal actions.

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c. Dalam 5 (lima) tahun sebelum pengangkatan c. Within 5 (five) years prior to appointment and
dan selama menjabat: during the tenure:
i. Tidak pernah dinyatakan pailit; i. Never been declare bankrupt;
ii. Tidak pernah menjadi anggota Direksi ii. Is not member of a Board of Directors and/
dan/atau anggota Dewan Komisaris yang or Board of Commissioners who was found
dinyatakan bersalah menyebabkan suatu guilty of causing a company to go bankrupt;
perusahaan dinyatakan pailit;
iii. Tidak pernah dihukum karena melakukan iii. Never been convicted of committing a crime
tindak pidana yang merugikan keuangan that caused losses to state finances and/or
negara dan/atau yang berkaitan dengan related to the financial sector; and
sektor keuangan; dan
iv. Tidak pernah menjadi anggota Direksi dan/ iv. Has never been a member of the Board of
atau anggota Dewan Komisaris yang selama Directors and/or a member of the Board of
menjabat: Commissioners who during his tenure:
• Pernah tidak menyelenggarakan RUPST; • Fail to held an AGMS;
• Pertanggungjawabannya sebagai anggota • His accountability as a member of the
Direksi dan/atau anggota Dewan Komisaris Board of Directors and/or a member of the
pernah tidak diterima oleh RUPS atau pernah Board of Commissioners is not accepted by
tidak memberikan pertanggungjawaban the GMS or fail to give his accountability as
sebagai anggota Direksi dan/atau anggota a member of the Board of Directors and/or
Dewan Komisaris kepada RUPS; dan a member of the Board of Commissioners
to the GMS; and
• Pernah menyebabkan perusahaan yang • Have caused a company that obtained a
memperoleh izin, persetujuan, atau license, approval, or registration from
pendaftaran dari OJK tidak memenuhi OJK to fail to fulfill its obligation
kewajiban menyampaikan laporan to submit an annual report and/or
tahunan dan/atau laporan keuangan financial report to OJK.
kepada OJK.
d. Memiliki komitmen untuk mematuhi peraturan d. Committed to comply with prevailing
perundang-undangan; regulations;
e. Memiliki pengetahuan dan/atau keahlian di e. Has sufficient knowledge and/or skill in areas as
bidang yang dibutuhkan Perseroan. required by the Company.
Kemampuan dan Kepatutan Bagi Pihak Utama Test for Main Parties of Financial Services Institutions
Lembaga Jasa Keuangan yang mensyaratkan which requires the Board of Commissioners
untuk anggota Dewan Komisaris memperoleh members to obtain approval from OJK (passing the
persetujuan dari OJK (lulus uji kemampuan dan fit and proper test from OJK) must meet the fit and
kepatutan dari OJK) harus memenuhi persyaratan proper test requirements:
penilaian kemampuan dan kepatutan:
a. Persyaratan integritas meliputi: a. Integrity requirement consist of:
i. Cakap melakukan perbuatan hukum. i. Capable to conduct legal actions.
ii. Memiliki akhlak dan moral yang baik, ii. Have good character and moral, at least
paling sedikit ditunjukkan dengan sikap as shown by compliance of prevailing
mematuhi ketentuan yang berlaku, provisions, including never having been
termasuk tidak pernah dihukum karena convicted of having committed a criminal
terbukti melakukan tindak pidana dalam act within a certain period of time before
jangka waktu tertentu sebelum dicalonkan. being nominated.

.01 .02 .03 .04
iii. Memiliki komitmen untuk mematuhi iii. Have a commitment to comply with laws
peraturan perundang-undangan dan and regulations and support OJK policies.
mendukung kebijakan OJK.
iv. Memiliki komitmen terhadap iv. Have a commitment to the development of
pengembangan Lembaga Jasa Keuangan a sound financial service institution.
yang sehat.
v. Tidak termasuk sebagai pihak yang dilarang v. Not included as a party prohibited from
untuk menjadi Pihak Utama. becoming the Main Party.
b. Persyaratan reputasi keuangan, paling sedikit b. Financial reputation requirements at minimum
dibuktikan dengan: proven with:
i. Tidak memiliki kredit dan/atau pembiayaan i. Do not have bad credit and/or financing.
macet.
ii. Tidak pernah dinyatakan pailit dan/atau ii. Has never been declared bankrupt and/or
tidak pernah menjadi pemegang saham, has never been a shareholder, Controller
Pengendali Perusahaan Perasuransian of an Insurance Company who is not a
yang bukan merupakan pemegang saham, shareholder, member of the Board of
anggota Direksi, atau anggota Dewan Directors or member of the Board of
Komisaris yang dinyatakan bersalah Commissioners who was found guilty of
menyebabkan suatu perseroan dinyatakan causing a company to go bankrupt within
pailit dalam waktu 5 (lima) tahun terakhir the last 5 (five) years prior to nomination.
sebelum dicalonkan.
c. Persyaratan kelayakan keuangan, paling sedikit c. Financial eligibility requirements, at least
dibuktikan dengan: proven by:
i. Memiliki reputasi keuangan sebagaimana i. Having a financial reputation as described
telah dijabarkan pada persyaratan reputasi in the financial reputation requirements
keuangan di atas. above.
ii. Memiliki kemampuan keuangan yang dapat ii. Have the financial capacity to take the
mendukung perkembangan bisnis Lembaga necessary measures if the Financial Services
Jasa Keuangan. Institution faces financial difficulties.
iii. Memiliki komitmen untuk melakukan iii. Have a commitment to make the necessary
upaya-upaya yang diperlukan apabila efforts if the Financial Services Institution
Lembaga Jasa Keuangan menghadapi faces financial difficulties.
kesulitan keuangan.
d. Persyaratan kompetensi, paling sedikit d. Competency requirements, at least include
meliputi pengetahuan dan/atau pengalaman knowledge and/or experience that support
yang mendukung pengelolaan Lembaga Jasa the management of the Financial Services
Keuangan dimana dicalonkan. Institution where he/she is being nominated.
3. Memenuhi persyaratan sebagai anggota Dewan 3. Fulfills the requirements as a member of the Board
Komisaris berdasarkan Anggaran Dasar Perseroan. of Commissioners based on the Company’s Articles
of Association.

.05 .06 .07
LAPORAN TUGAS PENGAWASAN DEWAN KOMISARIS BOARD OF COMMISSIONERS SUPERVISORY REPORT IN

TAHUN 2021 2021
• Sepanjang tahun 2021, Dewan Komisaris telah • Throughout 2021, the Board of Commissioners carried
melaksanakan laporan pengawasan rencana bisnis out supervisory report on the Company’s business
Perusahaan Semester I-2021 dan Semester II-2021; plans for Semester I-2021 and Semester II-2021;
• Dewan Komisaris telah melaksanakan tugas dan • The Board of Commissioners carried out its duties
tanggungjawabnya sesuai dengan prinsip-prinsip and responsibilities in accordance with the GCG
GCG secara independen, sebagaimana telah diatur principles independently, as regulated by the
dengan aturan hukum, kebijakan dan perundang- relevant laws, policies and legislation;
undangan yang terkait;
• Sesuai fungsi, tugas dan tanggungjawabnya, Dewan • In accordance with its functions, duties and
Komisaris telah menjalankan fungsi pengawasan responsibilities, the Board of Commissioners carried
dan pemberian nasihat, dengan memberikan out its supervisory function and provided advice,
masukan serta rekomendasi mengenai pelaksanaan by giving input and recommendations regarding
rencana bisnis dan pencapaian target Perusahaan; of the Company’s business plan and the Company’s
target achievement;
• Selain itu, pengawasan aktif Dewan Komisaris • In addition, the active supervision of the Board of
terlihat dalam pelaksanaan rapat koordinasi Commissioners is reflected in the implementation of
bersama Direksi, maupun komite-komite. Untuk coordination meetings with the Board of Directors
membantu tugas dalam rangka pengawasan and committees. To assist in supervising the Company’s
terhadap jalannya Perusahaan, Dewan Komisaris activities, the Board of Commissioners established the
telah membentuk Komite Audit, Komite Nominasi Audit Committee, Nomination and Remuneration
dan Remunerasi serta Komite Pemantau Risiko. Committee and also Risk Oversight Committee.
KEHADIRAN DEWAN KOMISARIS DALAM RUPS ATTENDANCE OF BOARD OF COMMISSIONERS AT GMS
Anggota Dewan Komisaris Perseroan yang hadir pada The members of the Company’s Board of Commissioners
saat RUPST 30 Maret 2021 dan RUPSLB 30 Maret 2021 were present at the AGMS on March 30, 2021 and EGMS
adalah sebagai berikut: on March 30, 2021 as follows:
• I Nyoman Tjager : Presiden Komisaris/ • I Nyoman Tjager : President Commissioner/
Komisaris Independen Independent Commissioner
• Robbyanto Budiman *) : Wakil Presiden Komisaris • Robbyanto Budiman *) : Vice President Commissioner
• Garibaldi Thohir *) : Komisaris • Garibaldi Thohir *) : Commissioner
• Thilagavathy Nadason : Komisaris • Thilagavathy Nadason : Commissioner
• Myrnie Zachraini Tamin*) : Komisaris Independen • Myrnie Zachraini Tamin*) : Independent Commissioner
*) Mengikuti jalannya Rapat melalui media telekonferensi (video conference). *) Attending the meeting through teleconference media (video conference).

.01 .02 .03 .04
PROGRAM PENGENALAN BAGI DEWAN KOMISARIS BARU ORIENTATION PROGRAM FOR NEW MEMBER OF BOARD
OF COMMISSSIONERS
Sepanjang 2021, Perseroan tidak melakukan kegiatan Throughout 2021, the Company did not conduct any
pengenalan anggota Dewan Komisaris baru karena activities to introduce new members of the Board of
tidak melakukan perubahan komposisi Dewan Commissioners because the composition of the Board
Komisaris. of Commissioners did not change.
PROGRAM PELATIHAN DAN PENINGKATAN KOMPETENSI TRAINING AND COMPETENCY DEVELOPMENT PROGRAM
DEWAN KOMISARIS OF BOARD OF COMMISSIONERS
Untuk menunjang kompetensi dan pemahaman terkait To support competence and understanding related
tugas melakukan pengawasan pengurusan perusahaan, to supervising the management of the company, the
Perusahaan senantiasa mengikutsertakan Dewan Board of Commissioners participates in training and
Komisaris dalam program pelatihan dan peningkatan competency improvement programs.
kompetensi.
Sepanjang tahun 2021, program yang diikuti oleh Throughout 2021, the Board of Commissioners took
Dewan Komisaris adalah sebagai berikut: part in these following programs:
PELATIHAN DAN PENGEMBANGAN DEWAN KOMISARIS TRAINING AND COMPETENCY DEVELOPMENT OF BOARD
OF COMMISSIONERS
Penyelenggara dan
Dewan Komisaris Topik Pelatihan Tanggal Pelatihan
Board of Commissioners Training Topic Organizer and Date of
Training
Seminar Online Peluang dan Tantangan Kebijakan Restrukturisasi Tahap 2 APPI, 27 April 2021
I Nyoman Tjager
Online Seminar on Restructuring Policy Opportunities and Challenges Phase 2 APPI, April 27, 2021
APPI, 27 Juli 2021
Robbyanto Budiman Online Seminar on Cross-Industry Collaboration for Multifinance
APPI, July 27, 2021
APPI, 28 September 2021
Garibaldi Thohir Online Seminar on Economic Outlook 2022
APPI, September 28, 2021
APPI, 27 Juli 2021
Thilagavathy Nadason Online Seminar on Cross-Industry Collaboration for Multifinance
APPI, July 27, 2021
Seminar Online Peluang dan Tantangan Kebijakan Restrukturisasi Tahap 2 APPI, 27 April 2021
Online Seminar on Restructuring Policy Opportunities and Challenges Phase 2 APPI, April 27, 2021
Myrnie Zachraini Tamin Pelindungan Data Pribadi dan Urgensinya dalam Menjaga Hak Privasi bagi
Perusahaan yang Beroperasi di Indonesia CRMS, 31 Agustus 2021
Protection of Personal Data and Urgency in Maintaining Privacy Rights for CRMS, August 31, 2021

.05 .06 .07
Penilaian Kinerja Komite di

Bawah Dewan Komisaris
Performance Assessment of Committees under Board of Commisioners
PENILAIAN KINERJA KOMITE DI BAWAH DEWAN PERFORMANCE ASSESSMENT OF COMMITTEES UNDER

KOMISARIS BOARD OF COMMISIONERS
Prosedur dan Kriteria Penilaian Kinerja Komite di Procedures and Criteria for Performance Assessment of
Bawah Dewan Komisaris Committees under Board of Commisioners
Dewan Komisaris melakukan penilaian terhadap The Board of Commissioners conducts an annual
kinerja komite-komite di bawah Dewan Komisaris yang assessment of the performance of the committees
dilakukan setiap tahun dengan menggunakan metode under the Board of Commissioners by using the self
self-assessment. assessment method.
Kriteria yang digunakan dalam penilaian kinerja komite The criteria being used in the performance assessment of the
di bawah Dewan Komisaris adalah sebagai berikut: committees under the Board of Commissioners as follows:
1. Penilaian kinerja komite oleh seluruh anggota 1. Assessment of committee performance by all Board
Dewan Komisaris of Commissioners members
Kriteria penilaian kinerja komite oleh seluruh The criteria for committee performance assessment
anggota Dewan Komisaris mencakup efektivitas by all Board of Commissioners including the
pelaksanaan tugas dan tanggung jawab komite effectiveness of the implementation of duties and
dalam membantu Dewan Komisaris. responsibilities of the committees in assisting the
Board of Commissioners.
2. Penilaian kinerja komite oleh anggota Dewan 2. Assessment of committee performance by Board of
Komisaris yang menjadi anggota komite Commissioners members who are also members of
the committee
Kriteria penilaian kinerja oleh anggota Dewan The criteria for performance appraisal by Board of
Komisaris yang menjadi anggota komite mencakup Commissioners members who are also members of the
penilaian pada area-area di bawah ini: committee include assessments in the following areas:
a. Efektivitas komite dalam menggunakan a. The committee’s effectiveness on its authorities,
wewenang, sumber daya dan akses yang resources and access to information.
dimilikinya atas informasi.
b. Efektivitas pertemuan komite dalam membahas b. The effectiveness of committee meetings in
isu-isu. discussing issues.
c. Efektivitas komite dalam menangani masalah c. The effectiveness of the committee in
serta melaksanakan tanggung jawab komite handling issues and carrying out committee
berdasarkan Pedoman atau Piagam Komite. responsibilities based on the committee charter.
d. Efektivitas komite dilihat dari komposisi komite d. The effectiveness of the committee as seen
dalam menjalankan tugasnya. from its composition in carrying out its duties.
e. Efektivitas Komite dilihat dari kemampuan e. The effectiveness of the Committee as seen
komite untuk memberikan pemahaman dan from the committee’s ability to provide timely
dokumen yang tepat waktu dan memadai and adequate understanding and documents to
kepada Dewan Komisaris. the Board of Commissioners.
f. Efektivitas kepemimpinan ketua komite di f. Effectiveness of leadership of the committee
dalam komite. chairman.

.01 .02 .03 .04
Penilaian Kinerja Dewan Komisaris dan Direksi

Board of Commissioners and Board of Directors Performance Assessment
PROSEDUR DAN KRITERIA PENILAIAN KINERJA DEWAN PROCEDURES AND CRITERIA OF BOARD OF
KOMISARIS COMMISSIONERS PERFORMANCE ASSESSMENT
Perseroan telah memiliki kebijakan penilaian Direksi The Company has an assessment policy for the Board of
dan Dewan Komisaris dalam rangka pemenuhan Directors and the Board of Commissioners in order to comply
terhadap ketentuan POJK Nomor 21/POJK.04/2015 dan with the provisions of POJK Number 21/POJK.04/2015 and
SEOJK Nomor 32/SEOJK.04/2015. Kebijakan penilaian SEOJK Number 32/SEOJK.04/2015. The policy of assessing
terhadap kinerja Dewan Komisaris dan Direksi the performance of the Board of Commissioners and the
merupakan salah satu bentuk akuntabilitas Dewan Board of Directors is a form of accountability of the Board
Komisaris dan Direksi dalam pelaksanaan tugas dan of Commissioners and the Board of Directors in carrying
tanggung jawabnya. out their duties and responsibilities.
PENILAIAN KINERJA DEWAN KOMISARIS BOARD OF COMMISSIONERS PERFORMANCE ASSESSMENT
Penilaian kinerja Dewan Komisaris dilaksanakan setiap The Company evaluates the performance of the Board
tahun minimum 1 (satu) kali dalam setahun. Penilaian of Commissioners at least once a year. The assessment
ini dilakukan oleh Dewan Komisaris dengan metode procedure is carried out by the Board of Commissioners
penilaian sendiri (self assessment) menggunakan Formulir using self-assessment based on the Board of
Board of Commissioner Effectiveness Evaluation. Commissioners Effectiveness Evaluation Form.
Kriteria yang digunakan dalam penilaian kinerja Dewan Here are the criteria in conducting the assessment on
Komisaris adalah sebagai berikut: the performance of the Board of Commissioners:
1. Penilaian kinerja kolegial Dewan Komisaris 1. The Board of Commissioners collegial performance
assessment
Penilaian kinerja kolegial Dewan Komisaris mencakup The Board of Commissioners collegial performance
penilaian terhadap area-area penilaian di bawah ini: assessment includes the following assessment aspects:
a. Efektivitas Dewan Komisaris secara keseluruhan. a. Overal effectiveness of the Board of Commissioners.
b. Prioritas utama dan area fokus Dewan b. Main priorities and focus area of the Board of
Komisaris. Commissioners.
c. Tanggung jawab Dewan Komisaris. c. Responsibilities of the Board of Commissioners.
d. Komposisi Dewan Komisaris. d. Composition of the Board of Commissioners.
e. Remunerasi Dewan Komisaris. e. Remuneration of the Board of Commissioners.
f. Komite Dewan Komisaris. f. Committees of the Board of Commissioners.
g. Tingkah Laku Dewan Komisaris. g. Board of Commissioners Conduct.
h. Interaksi dan komunikasi Dewan Komisaris. h. Interaction and communication of the Board of
Commissioners.
i. Keterlibatan Dewan Komisaris. i. Involvement of the Board of Commissioners.
j. Presiden Komisaris. j. President Commissioner.
k. Administrasi dan Proses Dewan Komisaris. k. Administration and Process of the Board of
Commissioners.
l. Program pembelajaran dan pengembangan l. Training and development program for
Komisaris. members of the Board of Commissioners.

.05 .06 .07
2. Penilaian kinerja individu masing-masing anggota 2. Individual performance assessment of each member
Dewan Komisaris of the Board of Commissioners
Penilaian ini mencakup penilaian terhadap This evaluation includes assessment towards
efektivitas kinerja, kepribadian dan aspek kualitas performance effectiveness, personality and
yang dimiliki oleh anggota Dewan Komisaris itu quality of respective member of the Board of
sendiri. Commissioners.
3. Penilaian kinerja oleh rekan sejawat termasuk 3. Performance assessment by peers includes an
penilaian terhadap Komisaris Independen assessment of the Independent Commissioner
Penilaian ini mencakup penilaian terhadap This assessment includes an assessment of the
efektivitas kinerja, kepribadian dan aspek kualitas effectiveness of the performance, personality
yang dimiliki oleh rekan sejawatnya. Khusus untuk and quality aspects possessed by colleagues.
penilaian terhadap Komisaris Independen selaku Specifically for the assessment of the Independent
rekan sejawat terdapat penilaian juga terkait Commissioner as a peer, there is also an assessment
independensi dan peranan Komisaris Independen related to the independence and role of the
pada Perseroan. independent Commissioner in the Company.
PIHAK YANG MELAKUKAN PENILAIAN KINERJA DEWAN PARTIES CONDUCTING THE BOARD OF COMMISSIONERS'
KOMISARIS PERFORMANCE ASSESSMENT
Pihak yang melakukan penilaian kinerja Dewan Komisaris Parties conducting the Board of Commissioners'
adalah sebagai berikut: performance assessment as follows:
1. Penilaian Kinerja Dewan Komisaris secara Kolegial 1. Collegial Performance Assessment of the Board of
Commissioners
Penilaian dilakukan oleh masing-masing anggota Assessment is carried out by each member Board of
Dewan Komisaris atas kinerja Dewan Komisaris Commissioners on the overall performance of the
secara keseluruhan. Board of Commissioners.
2. Penilaian Kinerja Individu Masing-Masing Anggota 2. Individual Performance Assessment of Each Member
Dewan Komisaris Board of Commissioners
Masing-masing anggota Dewan Komisaris Each member of the Board of Commissioners
memberikan penilaian atas kinerjanya sendiri. evaluate their own performance.
3. Penilaian kinerja oleh rekan sejawat 3. Performance Assessment by Peers
Masing-masing anggota Dewan Komisaris Each member of the Board of Commissioners
memberikan penilaian atas kinerja dari setiap provide an assessment of the performance of each
anggota Dewan Komisaris lainnya. other members of the Board of Commissioners.
Evaluasi akhir atas penilaian kinerja Dewan Komisaris The results of the final evaluation regarding the
yang dilaksanakan disampaikan oleh Komite Nominasi Performance Assessment of the Board of Commissioners
dan Remunerasi kepada Dewan Komisaris. are submitted by the Nomination and Remuneration
Committee to the Board of Commissioners.
PENILAIAN KINERJA DIREKSI BOARD OF DIRECTORS PERFORMANCE ASSESSMENT
Prosedur dan Kriteria Penilaian Kinerja Direksi Procedures and criteria of the Board Directors
performance assessment
Penilaian kinerja Direksi dilakukan setiap tahun The performance assessment of the Board of Directors
berdasarkan Key Performance Indicator (KPI) yang is conducted annually based on the Key Performance
berlaku di Perseroan. Indicator (KPI) applicable in the Company.

.01 .02 .03 .04
Kriteria yang untuk menilai kinerja Direksi adalah The criteria used to assess the performance of the Board
sebagai berikut: of Directors include:
1. Nilai Tambah pemegang saham yang Semakin 1. Maximized shareholder value
Meningkat
2. Jaringan yang Optimal 2. Optimized Network
3. Peningkatan Pertumbuhan Usaha 3. Increased Business Growth
4. Kualitas Portofolio yang Optimal 4. Optimized Portfolio Quality
5. OPEX yang Optimal 5. Optimized OPEX
6. Peningkatan Kualitas Acara/Program Perusahaan 6. Improve Corporate Event/Program
7. Kepuasan Pelanggan 7. Customer Satisfaction
8. Optimalisasi teknologi sebagai business enabler 8. Optimize technology as a business enabler
9. Peningkatan Kualitas Manajemen Kepatuhan 9. Improve Compliance Management
10. Peningkatan kepuasan & keterlibatan karyawan 10. Increase employee satisfaction & engagement
PIHAK YANG MELAKUKAN PENILAIAN KINERJA DIREKSI PARTIES CONDUCTING BOARD OF DIRECTORS
PERFORMANCE ASSESSMENT
Direksi akan melakukan evaluasi kinerja Direksi The Board of Directors will evaluate its performance
secara mandiri untuk kemudian disampaikan kepada independently to be further submitted to the
Komite Nominasi dan Remunerasi untuk dievaluasi. Nomination and Remuneration Committee for
Hasil evaluasi Komite Nominasi dan Remunerasi akan evaluation purpose. The evaluation results by the
disampaikan kepada Dewan Komisaris. Nomination and Remuneration Committee will be
submitted to the Board of Commissioners.
Hasil Penilaian Kinerja Direksi dan Komisaris tahun 2021: Results of Performance Assessment of Directors and
Commissioners in 2021:
Terhadap pelaksanaan tugas kepengurusan Perusahaan Regarding the implementation of the Company’s
oleh Dewan Komisaris dan Direksi, dinyatakan bahwa management by the Board of Commissioners and the
Dewan Komisaris dan Direksi telah melaksanakan Board of Directors, the Board of Commissioners and
tugasnya dengan baik. the Board of Directors have carried out their duties
properly.
Nominasi dan Remunerasi Direksi dan Dewan Komisaris Nomination and Remuneration of Board of Directors
and Board of Commissioners
Penetapan Remunerasi Dewan Komisaris dan Direksi The determination of the remuneration for the Board
mengacu pada Anggaran Dasar Perusahaan. Merujuk of Commissioners and the Board of Directors refers to
pada Keputusan RUPST tanggal 12 Maret 2021, the Company's Articles of Association. According to
penentuan besaran remunerasi untuk para anggota the resolution of the AGMS dated March 12, 2021, the
Dewan Komisaris Perseroan dan para anggota President Commissioner is mandated an authorization
Dewan Pengawas Syariah Perseroan dilimpahkan to determine remuneration of all members of the Board
wewenangnya kepada Presiden Komisaris Perseroan of Commissioners and Sharia Supervisory Board by
dengan memperhatikan usul dan rekomendasi dari considering the proposals and recommendation of the
Komite Nominasi dan Remunerasi Perseroan. Untuk Nomination and Remuneration Committee. Meanwhile,
besaran remunerasi para anggota Direksi Perseroan the Board of Commissioners is authorized to determine
dilimpahkan wewenangnya kepada Dewan Komisaris the remuneration of members of the Board of Directors
dengan memperhatikan usul dan rekomendasi dari by considering the proposals and recommendations of
Komite Nominasi dan Remunerasi Perseroan. the Nomination and Remuneration Committee.

.05 .06 .07
Kriteria Penentuan Remunerasi Dewan Criteria for Determining Remuneration for Board of
Komisaris dan Direksi Commissioners and Board of Directors
Indikator untuk menentukan besaran remunerasi The indicators to determine the total of remuneration
Dewan Komisaris dan Direksi adalah sebagai for the Board of Commissioners and the Board of
berikut: Directors are as follows:
1. Kinerja, kemampuan dan kondisi Perusahaan; 1. Performance, capability and condition of the
Company;
2. Hasil benchmarking remunerasi yang berlaku 2. The results of applicable remuneration
di industri; benchmarking in the industry;
3. Pencapaian kinerja masing-masing anggota 3. Performance achievement of each member of the
Direksi dengan indikator utama seperti Board of Directors with key indicators such as the
keuntungan Perseroan, pertumbuhan Company’s profits, sales growth, risk portfolio and
penjualan, portofolio risiko serta productivity;
produktivitas;
4. Kewajaran dengan memperhatikan peer 4. Fairness with regard to peer groups;
group;
5. Faktor lain terkait namun tidak bertentangan 5. Other related factors that do not conflict with the
dengan peraturan perundang-undangan. laws and regulations.
Komponen Remunerasi Remuneration Component

Adapun rincian komponen Remunerasi untuk The details of the remuneration components for the
Dewan Komisaris dan Direksi adalah sebagai Board of Commissioners and the Board of Directors are
berikut: as follows:
Jenis Remunerasi Dewan Komisaris Direksi

No
Type of Remuneration Board of Commissioners Board of Directors
Gaji Pokok
1 √ √
Basic Salary
Tunjangan Kesehatan
2 √ √
Health Allowance
Tunjangan kesehatan keluarga
3 √
Familiy Health Allowance
Tunjangan Komunikasi
4 √
Communication Allowance
Tunjangan Perjalanan Dinas
5 √ √
Business Travel Allowance
Tunjangan Hari Raya
6 √ √
Holiday Allowance
7 Bonus √ √

.01 .02 .03 .04
Jenis Remunerasi Dewan Komisaris Direksi

No
Type of Remuneration Board of Commissioners Board of Directors
Asuransi Jabatan (Imbalan Pasca Kerja)

8
Occupational Insurance (Post Employment Benefits)
Tunjangan Kacamata
9 √
Glasses Allowance
Tunjangan Keanggotaan Klub
10
Club Membership Allowance
Tunjangan Cuti
11 √
Leave Allowance
Bantuan dana Pendidikan
12 √
Education Fund Assistance
Tunjangan Entertainment/Makan
13 √ √
Entertainment/Meal Allowance
Tunjangan Kendaraan
14 √
Vehicle Allowance
Berdasarkan Tingkat Penghasilan Dewan Komisaris Board of Commissioners and Board of Directors
dan Direksi: Income Level:
Dewan Komisaris
Jumlah Remunerasi per Orang dalam 1 tahun Jumlah (orang)

Total Remuneration per Person in 1 year Total (person)
Di atas Rp2,5 miliar

-
Above Rp2.5 billion
Di atas Rp1 miliar s/d Rp2,5 miliar
-
Above Rp1 billion to Rp2.5 billion
Di atas Rp500 juta s/d Rp1 miliar
5
Above Rp500 million to Rp1 billion
Di atas Rp500 juta
-
Above Rp500 million

.05 .06 .07
Direksi
Board of Directors
Jumlah Remunerasi per Orang dalam 1 tahun Jumlah (orang)

Total Remuneration per Person in 1 year Total (person)
Di atas Rp2,5 miliar

-
Above Rp2.5 billion
Di atas Rp1 miliar s/d Rp2,5 miliar
5
Above Rp1 billion to Rp2.5 billion
Di atas Rp500 juta s/d Rp1 miliar
-
Above Rp500 million to Rp1 billion
Di atas Rp500 juta
-
Above Rp500 million
Dengan demikian, jumlah remunerasi Dewan Komisaris Thus, the total remuneration for the Board of
dan Direksi pada tahun 2021 adalah sebesar Rp13,16 Commissioners and the Board of Directors in 2021 was
miliar. Rp13.16 billion.
Jumlah Remunerasi dan Fasilitas Lain Dewan Komisaris dan Direksi Tahun 2021
Total Remuneration and Other Facilities for Board of Commissioners and Board of Directors in 2021
dalam juta Rp | in Rp million
Jumlah yang Diterima dalam Satu Tahun

Total Received in a Year
Jenis Remunerasi dan Fasilitas Lain Komisaris Direksi

No
Remuneration and Other Facilities Board of Commissioner Board of Director
Orang Orang
Nominal Nominal
Person Person
Remunerasi (gaji, bonus, tunjangan rutin dan tantiem
dan fasilitas lainnya)
1 5 3.151.570 5 10.009.786
Remuneration (salary, bonus, routine allowance, tantiem and
other facilities)

.01 .02 .03 .04
Rapat Dewan Komisaris dan Direksi

Meetings of Board of Commissioners and Board of Directors

RAPAT DEWAN KOMISARIS BOARD OF COMMISSIONERS MEETING
Dewan Komisaris telah menjalankan fungsi pengawasan The Board of Commissioners has carried out the
terhadap Pengurusan Perusahaan oleh Direksi melalui supervisory function of the Company’s Management
rapat Komisaris, rapat gabungan Komisaris dengan by the Board of Directors through the Board of
Direksi maupun rapat Komisaris dengan Komite yang Commissioners meetings, joint meetings between the
membahas kinerja keuangan, profil risiko dan tindak Board of Commissioners and the Board of Directors and
lanjut hasil temuan oleh SKAI. meetings between the Board of Commissioners and the
Committee that discussed financial performance, risk
profile and follow-up on findings by SKAI.
Sepanjang tahun 2021, Dewan Komisaris telah Throughout 2021, the Board of Commissioners held
melaksanakan rapat sebanyak 10 (sepuluh) kali, 10 (ten) meetings, with details of the agenda
dengan rincian agenda dan hasil rapat sebagai berikut: and meeting results as follows: Monthly Financial
Pembahasan Kinerja Keuangan bulanan; Pembahasan Performance Discussion; Discussion on the Report
atas Laporan Komite Pemantau Risiko; Pembahasan of the Risk Oversight Committee; Discussion on the
atas Laporan Komite Audit; Pembahasan Rencana Bisnis Audit Committee Report; Discussion on the Company’s
Perusahaan; Pembahasan RUPST dan Pembahasan Business Plan; Discussion of the AGMS and Discussion
RUPSLB. of the EGMS.
Frekuensi dan Peserta Rapat Dewan Komisaris Tahun 2021

Frequency and Participants of 2021 Board of Commissioners Meeting
Nama Jabatan Kehadiran Jumlah Rapat Kehadiran %

Name Position Attendance Total Meetings Attendance
Presiden Komisaris/ Komisaris Independen

I Nyoman Tjager 10 10 100
Robbyanto Budiman 10 10 100
Komisaris
Garibaldi Thohir 8 10 80
Commissioner
Komisaris
Thilagavathy Nadason 10 10 100
Commissioner
Myrnie Zachraini Tamin 10 10 100

.05 .06 .07
Keterangan:
Description:
Tanggal Peserta Rapat

No Agenda
Date Participants
Kinerja WOM Finance Desember 2020

14 Januari 2021 Dewan Komisaris Update dampak Pandemi Covid-19
1
January 14, 2021 Board of Commissioners WOM Finance December 2020 Performance
Update on the impact of the Covid-19 Pandemic
Kinerja WOM Finance Januari 2021
17 Februari 2021 Dewan Komisaris Update dampak Pandemi Covid-19
2
February 17, 2021 Board of Commissioners WOM Finance January 2021 Performance
Kinerja WOM Finance Februari 2021
16 Maret 2021 Dewan Komisaris Update dampak Pandemi Covid-19
3
March 16, 2021 Board of Commissioners WOM Finance February 2021 Performance
Kinerja WOM Finance Maret 2021
29 April 2021 Dewan Komisaris Update dampak Pandemi Covid-19
4
April 29, 2021 Board of Commissioners WOM Finance March 2021 Performance
Kinerja WOM Finance Mei 2021
15 Juni 2021 Dewan Komisaris Update dampak Pandemi Covid-19
5
June 15, 2021 Board of Commissioners WOM Finance May 2021 Performance
Kinerja WOM Finance Juni 2021
15 Juli 2021 Dewan Komisaris Update dampak Pandemi Covid-19
6
July 15, 2021 Board of Commissioners WOM Finance June 2021 Performance
Kinerja WOM Finance Juli 2021
19 Agustus 2021 Dewan Komisaris Update dampak Pandemi Covid-19
7
August 19, 2021 Board of Commissioners WOM Finance July 2021 Performance
Kinerja WOM Finance Agustus 2021
14 September 2021 Dewan Komisaris Update dampak Pandemi Covid-19
8
September 14, 2021 Board of Commissioners WOM Finance August 2021 Performance
Kinerja WOM Finance September 2021
15 Oktober 2021 Dewan Komisaris Update dampak Pandemi Covid-19
9
October 15, 2021 Board of Commissioners WOM Finance September 2021 Performance
12 November 2021 Dewan Komisaris Kinerja WOM Finance Oktober 2021
10
November 12, 2021 Board of Commissioners WOM Finance October 2021 Performance

.01 .02 .03 .04
RAPAT DIREKSI BOARD OF DIRECTORS MEETING
Sepanjang tahun 2021, Direksi telah melaksanakan Throughout 2021, the Board of Directors held
51 (lima puluh satu) kali rapat, yang meliputi rapat 51 (fifty one) meetings, which include internal meetings
internal Direksi, serta rapat gabungan Direksi dan of the Board of Directors and joint meetings of the
Dewan Komisaris. Berikut frekuensi dan kehadiran Board of Directors and the Board of Commissioners.
masing-masing anggota Direksi dalam rapat tersebut: The following is the frequency and attendance of each
member of the Board of Directors at the meeting:

Presiden Direktur
Djaja Suryanto Sutandar 51 51 100
President Director
Direktur
Zacharia Susantadiredja*) 44 45 98
Director
Direktur
Anthony Yuarez Panggabean 50 51 98
Director
Direktur
Njauw Vido Onadi 51 51 100
Director
Direktur
Wibowo 49 51 96
Director
*) Mengundurkan diri sebagai Direktur dan Sekretaris Perusahaan pada tanggal 15 November 2021.
*) Resigned as Director and Corporate Secretary on November 15, 2021.
RAPAT GABUNGAN DEWAN KOMISARIS DAN DIREKSI JOINT MEETING OF BOARD OF COMMISSIONERS AND
THE BOARD OF DIRECTORS
Berdasarkan Peraturan OJK Nomor 33/POJK.04/2014, Based on POJK No. 33/POJK.04/2014, the Board of
Dewan Komisaris wajib mengadakan rapat gabungan Commissioners is required to hold joint meetings with
bersama direksi secara berkala sedikitnya sekali dalam the board of directors periodically at least once in four
4 (empat) bulan. months.
Pada tahun 2021 Dewan Komisaris dan Direksi In 2021 the Board of Commissioners and the Board
mengadakan Rapat Bersama. dengan rincian sebagai of Directors held a Joint Meeting with the details as
berikut: follows:


.05 .06 .07

Presiden Komisaris/Komisaris
Independen
President Commissioner/Independent
Commissioner
Komisaris
Commissioner
Komisaris
Commissioner
Presiden Direktur
Djaja Suryanto Sutandar 10 10 100
President Director
Direktur
Zacharia Susantadiredja*) 10 10 100
Director
Direktur
Anthony Yuarez Panggabean 10 10 100
Director
Direktur
Njauw Vido Onadi 10 10 100
Director
Direktur
Wibowo 10 10 100
Director
*) Mengundurkan diri sebagai Direktur dan Sekretaris Perusahaan pada tanggal 15 November 2021.
Keterangan:
Description:

No Agenda
Date Participants
Kinerja WOM Finance Desember 2020

14 Januari 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
1
January 14, 2021 Board of Commissioners and Board of Directors WOM Finance December 2020 Performance
Kinerja WOM Finance Januari 2021
17 Februari 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
2
February 17, 2021 Board of Commissioners and Board of Directors WOM Finance January 2021 Performance

.01 .02 .03 .04

No Agenda
Date Participants
Kinerja WOM Finance Februari 2021

16 Maret 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
3
March 16, 2021 Board of Commissioners and Board of Directors WOM Finance February 2021 Performance
Kinerja WOM Finance Maret 2021
29 April 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
4
April 29, 2021 Board of Commissioners and Board of Directors WOM Finance March 2021 Performance
Kinerja WOM Finance Mei 2021
15 Juni 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
5
June 15, 2021 Board of Commissioners and Board of Directors WOM Finance May 2021 Performance
Kinerja WOM Finance Juni 2021
15 Juli 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
6
July 15, 2021 Board of Commissioners and Board of Directors WOM Finance June 2021 Performance
Kinerja WOM Finance Juli 2021
19 Agustus 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
7
August 19, 2021 Board of Commissioners and Board of Directors WOM Finance July 2021 Performance
Kinerja WOM Finance Agustus 2021
14 September 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
8
September 14, 2021 Board of Commissioners and Board of Directors WOM Finance August 2021 Performance
Kinerja WOM Finance September 2021
15 Oktober 2021 Dewan Komisaris dan Direksi Update dampak Pandemi Covid-19
9
October 15, 2021 Board of Commissioners and Board of Directors WOM Finance September 2021 Performance
12 November 2021 Dewan Komisaris dan Direksi Kinerja WOM Finance Oktober 2021
10
November 12, 2021 Board of Commissioners and Board of Directors WOM Finance October 2021 Performance

.05 .06 .07

Keberadaan Dewan Pengawas Syariah (DPS) di The establishment of Sharia Supervisory Board (DPS) in
Perseroan merujuk pada POJK Nomor 30/POJK.05/2014 the Company refers to POJK Number 30/POJK.05/2014
tentang Tata Kelola Perusahaan yang Baik Bagi concerning Good Corporate Governance for Financing
Perusahaan Pembiayaan, yang telah diubah dengan Companies, which has been amended by POJK Number
POJK Nomor 29/POJK.05/2020. Ketentuan tentang DPS 29/POJK.05/2020. Provisions regarding DPS must be
wajib diadopsi karena Perseroan memiliki Unit Usaha adopted because the Company has a Sharia Business
Syariah. Unit.

Dasar hukum pembentukan dan penunjukan DPS The legal basis for the formation and appointment of
Perseroan selain ketentuan disebutkan diatas mengacu the Company’s DPS in addition to the aforementioned
pada beberapa ketentuan antara lain: provisions refers to several provisions, including:
1. Anggaran Dasar Perseroan. 1. Articles of Association of the Company.
Kemampuan dan Kepatutan Bagi Pihak Utama Test for the Main Parties of Financial Services
15 tanggal 12 Maret 2020 yang dibuat di hadapan Resolutions Number 15 dated March 12, 2020 made
Aulia Taufani, S.H., Notaris di Kota Administrasi before Aulia Taufani, S.H., Notary in South Jakarta
Jakarta Selatan. Administrative City.
181 tanggal 30 Juli 2020 yang dibuat di hadapan Resolutions Number 181 dated July 30, 2020, made
Aulia Taufani, S.H., Notaris di Kota Administrasi before Aulia Taufani, S.H., Notary in South Jakarta
Jakarta Selatan. Administrative City.
DPS diangkat RUPS dengan memperhatikan DPS is appointed by the GMS by taking into account
rekomendasi Dewan Syariah Nasional Majelis Ulama the recommendations of the National Sharia Board of
Indonesia dan wajib memenuhi persyaratan lulus uji the Indonesian Ulema Council and DPS must meet the
kemampuan dan kepatutan dari OJK. Kedudukan requirements to pass the fit and proper test from the OJK.
DPS setara dengan Dewan Komisaris dan bertugas The position of DPS is equal to the Board of Commissioners.
memberikan nasihat dan saran kepada Direksi serta DPS has duties to provide advice and suggestions to the
mengawasi kegiatan Perseroan agar sesuai dengan Board of Directors and supervise the Company’s activities
prinsip syariah. Pada tahun 2021, susunan DPS terdiri in accordance with sharia principles. As of 2021, DPS
dari tiga orang dengan salah satunya menjadi Ketua. consists of three people with one person as a Chairman.
Susunan DPS selengkapnya adalah sebagai berikut : The full composition of the DPS is as follows:
Nama Jabatan Periode Jabatan

No
Name Position Term of Office
Ketua Dewan Pengawas Syariah RUPST Tahun 2020 - RUPST Tahun 2023
1 Dr. H. Abdul Jabar Majid, MA
Chairman of Sharia Supervisory Board 2020 AGMS – 2023 AGMS
Anggota Dewan Pengawas Syariah RUPST Tahun 2020 - RUPST Tahun 2023
2 H. Muh. Taufik Darmansyah, SE, CPA
Sharia Supervisory Board Member 2020 AGMS – 2023 AGMS
Anggota Dewan Pengawas Syariah RUPST Tahun 2020 - RUPST Tahun 2023
3 Dr. Ir. H. M. Nadratuzzaman Hosen
Sharia Supervisory Board Member 2020 AGMS – 2023 AGMS

.01 .02 .03 .04
DPS memiliki tugas dan wewenang seperti diatur DPS has the duties and authorities as stipulated in the
dalam Anggaran Dasar Perseroan serta dengan Company’s Articles of Association and taking into account
memperhatikan peraturan yang berlaku, yaitu: the applicable regulations, namely:
1. Berfungsi sebagai pengawas aspek syariah kegiatan 1. Serving as a supervisor for the sharia aspects of
operasional Unit Usaha Syariah Perseroan agar the operational activities of the Company’s Sharia
sesuai dengan prinsip syariah. Business Units to comply with sharia principles.
2. Berfungsi sebagai penasihat dan memberi saran 2. Serving as an advisor and providing advice to the
kepada Direksi, Pimpinan Unit Usaha Syariah Company’s Board of Directors, Heads of Sharia
dan Pimpinan Kantor Cabang Syariah Perseroan Business Units and Heads of Sharia Branch Offices
mengenai hal-hal yang terkait prinsip syariah. regarding matters related to sharia principles.
3. Berfungsi sebagai mediator antara Perseroan 3. Serving as a mediator between the Company
dengan Dewan Syariah Nasional Majelis Ulama and the National Sharia Board of the Indonesian
Indonesia dalam mengkomunikasikan usul dan Ulema Council in communicating proposals and
saran pengembangan produk dan jasa Perseroan suggestions for the development of the Company’s
yang memerlukan kajian dan fatwa Dewan Syariah products and services that require the study
Nasional Majelis Ulama Indonesia. and fatwa of the National Sharia Board of the
Indonesian Ulema Council.
INDEPENDENSI DEWAN PENGAWAS SYARIAH INDEPENDENCE OF THE SHARIA SUPERVISORY BOARD
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, DPS is
DPS bersifat independen. Anggota DPS tidak ada independent. All Sharia Supervisory Board members do
yang memiliki hubungan keuangan, kepengurusan, not have any relationship, either financial, management,
kepemilikan saham dan/atau hubungan keluarga share ownership and/or family, with the Controlling
dengan Pemegang Saham Pengendali, anggota Dewan Shareholders, the Board of Commissioners members and/
Komisaris lainnya dan/atau anggota Direksi atau or the Board of Directors members. They also do not have
hubungan keuangan dan/atau hubungan kepemilikan any financial and/or share ownership relationships with
saham dengan Perseroan. the Company.
Anggota DPS sepenuhnya melakukan kegiatan The DPS members fully supervise the sharia aspects of
pengawasan terhadap aspek syariah dari operasional the Company’s operations and business in a professional
dan bisnis Perseroan secara profesional dan tidak manner and there is no indication of intervention from
terindikasi adanya intervensi dari pemilik/pemegang the shareholders or other stakeholders.
saham ataupun dari pemangku kepentingan lainnya.
Aspek dari independensi DPS telah diimplementasikan DPS has implemented independence aspects very well
dengan sangat baik yang diindikasikan dengan hal-hal through these following indicators:
sebagai berikut:
1. Seluruh anggota DPS memiliki integritas, 1. All DPS members have integrity, competence and
kompetensi dan reputasi keuangan yang memadai; adequate financial reputation;
2. Pengangkatan dan/atau penggantian anggota DPS 2. The appointment and/or replacement of DPS
telah mendapat rekomendasi dari DSN-MUI dan members has received a recommendation from the
telah memperoleh persetujuan dari RUPS; DSN-MUI with GMS approval;
3. Masa jabatan anggota DPS paling lama sama 3. The longest term of office for DPS members is the
dengan masa jabatan anggota Direksi atau Dewan same with the term of office of members of the
Komisaris. Board of Directors or the Board of Commissioner.

.05 .06 .07
MASA JABATAN DEWAN PENGAWAS SYARIAH TERM OF OFFICE OF SHARIA SUPERVISORY BOARD
Sesuai dengan Anggaran Dasar Perseroan, DPS In accordance with the Company’s Articles of Association,
Perseroan terdiri dari sedikitnya 1 (satu) orang ahli the Company’s DPS consists of at least 1 (one) sharia
syariah. Pengangkatan DPS dilakukan melalui RUPS atas expert. The appointment of the DPS is carried out through
rekomendasi Dewan Syariah Nasional Majelis Ulama the GMS on the recommendation of the National Sharia
Indonesia. Masa Jabatan anggota DPS ditentukan Board of the Indonesian Ulema Council. The term of office
dalam RUPS. of DPS members is determined in the GMS.
Masa jabatan Anggota DPS yang ditentukan The term of office of the Sharia Supervisory Board
dalam RUPS tersebut tidak mengurangi hak yang members determined in the GMS does not reduce the
bersangkutan untuk mengundurkan diri. right of the person to resign.
LAPORAN PELAKSANAAN KEGIATAN DEWAN PENGAWAS REPORT ON IMPLEMENTATION OF SHARIA SUPERVISORY

SYARIAH 2021 BOARD ACTIVITIES IN 2021
Selama tahun 2021, DPS telah melakukan pengawasan During 2021, DPS conducted supervision and provided
dan memberikan nasihat, saran, opini terhadap advice, suggestions, opinions on the products and
produk dan kegiatan Unit Usaha Syariah Perseroan activities of the Company’s Sharia Business Unit to always
agar senantiasa sesuai dengan prinsip Syariah yang be in accordance with Sharia principles reflected in several
tercermin dari beberapa rangkaian Rapat DPS yang series of Sharia Supervisory Board Meetings held that year.
diadakan pada tahun tersebut. Selain itu, pada tahun In addition, in 2021, the Company’s DPS also submitted
2021 DPS Perseroan juga telah menyampaikan Laporan the DPS Supervision Report to the National Sharia Board
Pengawasan DPS kepada Dewan Syariah Nasional of the Indonesian Ulema Council 2 (two) times.
Majelis Ulama Indonesia sebanyak 2 (dua) kali.

.01 .02 .03 .04
Rapat Dewan Pengawas Syariah

dan Risalah Rapat
Sharia Supervisory Board Meeting and Minutes of Meeting
Sepanjang 2021, DPS telah melakukan 6 (enam) kali Throughout 2021, the Sharia Supervisory Board held 6
rapat dengan tingkat kehadiran sebagai berikut: (six) meetings with the following attendance rate:

Name Position Attendance Total Meeting Attendance
Ketua
Dr. H. Abdul Jabar Majid, MA 6 6 100
Chariman
Anggota
Dr. Ir. H. M. Nadratuzzaman Hosen 6 6 100
Member
Anggota
H. Muh. Taufik Darmansyah, SE, CPA 5 6 83
Member

No Agenda
Meeting Meeting Participant
Persiapan Penyampaian ke OJK mengenai

Rencana Produk Pembiayaan Pembelian
Dewan Pengawas Syariah, Kepala Unit Usaha Logam Mulia Unit Usaha Syariah WOM
09 Februari 2021 Syariah & Function terkait
1 Finance
February 09, 2021 Sharia Supervisory Board, Head of Sharia Business
Unit & Related Functions Preparation of the Submission of the Financing
Product Plan for the Purchase of Precious Metals
of WOM Finance Sharia Business Unit to OJK
Evaluasi DPS terhadap Penerapan Akuntansi

03 Maret 2021 Dewan Pengawas Syariah & Function terkait Syariah di WOM Finance
3
March 03, 2021 Sharia Supervisory Board & Related Functions DPS Evaluation of the Implementation of Sharia
Accounting in WOM Finance
Tanggapan OJk atas Pengajuan Produk

04 Mei 2021 Dewan Pengawas Syariah & Function terkait Logam Mulia
4
May 04, 2021 Sharia Supervisory Board & Related Functions OJK's Response to the Submission of Precious
Metal Products
Penamaan Chart of Account (CoA)

Dewan Pengawas Syariah, Kepala Unit Usaha Pembiayaan Syariah dan Performance
03 November 2021 Syariah & Function terkait Pembiayaan Logam Mulia "MasKu"
5
November 03, 2021 Sharia Supervisory Board, Head of Sharia Business Naming the Chart of Account (CoA) of "MasKu"
Unit & Related Functions Sharia Financing and Performance of Precious
Metals Financing
Pembiayaan Syariah dengan Dokumen
Dewan Pengawas Syariah, Kepala Unit Usaha Digital, Update Performance Produk Logam
08 Desember 2021 Syariah & Function terkait Mulia "MasKu" dan New Bike Syariah
6
December 08, 2021 Sharia Supervisory Board, Head of Sharia Business Sharia Financing with Digital Documents,
Unit & Related Functions Performance Updates for "MasKu" Precious
Metal Products and New Bike Syariah
Dewan Pengawas Syariah, Kepala Unit Usaha

13 Desember 2021 Syariah & Function terkait Pembiayaan Syariah Mudharabah di 2022
7
December 13, 2021 Sharia Supervisory Board, Head of Sharia Business Sharia Mudharabah Financing in 2022
Unit & Related Functions

.05 .06 .07
Komite-Komite
Committees
Dalam rangka mendukung pelaksanaan tugas dan To support the implementation of duties and functions,
fungsi Dewan Komisaris membentuk komite-komite the Board of Commissioners has established supporting
penunjang, yaitu: committees, namely:
1. Komite Audit; 1. Audit Committee;
2. Komite Nominasi dan Remunerasi; 2. Nomination and Remuneration Committee;
3. Komite Pemantau Risiko. 3. Risk Oversight Committee.

Komite-komite tersebut akan membantu pelaksanaan These committees will assist the implementation of
tugas Dewan Komisaris, mulai dari perumusan strategi, the Board of Commissioners duties, starting from
pemantauan serta pengawasan pelaksanaan strategi strategy formulation, monitoring and supervising
yang telah dirancang Perusahaan, hingga evaluasi the implementation of the planned strategies, to
kinerja Perusahaan. evaluating the Company’s performance.
Dengan demikian, pelaksanaan tugas dan tanggung Thus, the implementation of duties and responsibilities
jawab akan berjalan secara maksimal. Seluruh anggota will run optimally. All committee members come from
komite berasal dari pihak independen yang telah independent parties that fulfilling the independence
memenuhi kriteria independensi, yaitu: tidak memiliki criteria, namely: having no financial, management,
hubungan keuangan, kepengurusan, kepemilikan share ownership and family relationship with the Board
saham dan/atau hubungan keluarga dengan Dewan of Commissioners, Board of Directors, Controlling
Komisaris dan/atau Direksi dan/atau Pemegang Saham Shareholder or relationship with the Company, which
Pengendali atau hubungan dengan Perusahaan, may affect ability to act independently. All of these
yang dapat mempengaruhi kemampuan bertindak committees are directly responsible to the Board of
independen. Seluruh komite-komite tersebut Commissioners.
bertanggung jawab langsung kepada Dewan Komisaris.

.01 .02 .03 .04
Komite Audit
Audit Committee
Komite Audit dibentuk oleh Dewan Komisaris untuk The establishment of Audit Committee by the Board of
membantu melakukan pengawasan Perusahaan. Commissioners aims to assist in supervising the Company. Its
Fungsi utamanya untuk memantau serta mengevaluasi main function is to monitor and evaluate the planning and
perencanaan dan pelaksanaan audit serta memantau implementation of the audit. In addition, they has a function
tindak lanjut hasil audit guna menilai kecukupan to monitor the follow-up to the audit results in order to assess
pengendalian internal, termasuk kecukupan proses the adequacy of internal control, including the adequacy
pelaporan keuangan. Komite Audit bertanggung jawab of the financial reporting process. The Audit Committee
langsung di bawah Dewan Komisaris. Komite Audit is directly responsible to the Board of Commissioners. The
juga memberikan rekomendasi mengenai penunjukan Audit Committee also provides recommendations to the
Akuntan Publik dan Kantor Akuntan Publik untuk Board of Commissioners regarding the appointment of a
mengaudit informasi keuangan tahunan tahun 2021 Public Accountant and a Public Accounting Firm to audit the
kepada Dewan Komisaris. 2021 annual financial information.
1. POJK Nomor 55/POJK.04/2015 tentang Pembentukan 1. POJK Number 55/POJK.04/2015 concerning the
dan Pedoman Pelaksanaan Kerja Komite Audit Establishment and Guidelines for the Work
Implementation of the Audit Committee
2. POJK Nomor 33/POJK.04/2014 tentang Direksi dan 2. POJK Number 33/POJK.04/2014 concerning the Board
Dewan Komisaris Emiten atau Perusahan Publik of Directors and Board of Commissioners of Issuers or
Public Companies
3. POJK Nomor 30/POJK.05/2014 tentang Tata Kelola 3. POJK Number 30/POJK.05/2014 concerning Good
Perusahaan yang Baik Bagi Perusahaan Pembiayaan Corporate Governance for Financing Companies
dan perubahannya sebagaimana tercantum pada and its amendments as stated in POJK Number
POJK Nomor 29/POJK.05/2020 29/POJK.05/2020
4. Surat Keputusan Dewan Komisaris Nomor 010/III/ 4. Board of Commissioners Decree Number 010/III/BOC-
BOC-WOM/2020 tentang pembentukan Komite WOM/2020 concerning the Establishment of the Audit
Audit tanggal 13 Maret 2020 Committee dated March 13, 2020
PIAGAM KOMITE AUDIT AUDIT COMMITTEE CHARTER
Untuk mengatur mengenai tugas dan tanggung To regulate the duties and responsibilities, membership,
jawab, keanggotaan, prosedur kerja dan rapat dalam work procedures and meetings in terms of implementing
hal pelaksanaan kegiatan Komite Audit, Perseroan the activities of the Audit Committee, the Company has
telah memiliki Piagam Komite Audit. Pemuktahiran an Audit Committee Charter. The Audit Committee
Piagam Komite Audit dilakukan pada tanggal Charter was updated on December 23, 2021.
23 Desember 2021.

.05 .06 .07
STRUKTUR DAN KEANGGOTAAN STRUCTURE AND MEMBERSHIP
Berdasarkan Surat Keputusan Dewan Komisaris Nomor Based on the Board of Commissioners Decree Number
010/III/BOC-WOM/2020 tentang Pembentukan Komite 010/III/BOC-WOM/2020 on the Establishment of the
Audit tanggal 13 Maret 2020 Susunan Anggota Komite Audit Committee dated March 13, 2020, the stturcture
Audit adalah sebagai berikut: Audit Committee membership is as follows:
Nama Jabatan Jabatan di Perusahaan Periode Jabatan

Name Position Position in Company Terms of Office
Ketua Komisaris Independen 13 Maret 2020-2023

I Nyoman Tjager
Chairman Independent Commissioner March 13, 2020–2023
Anggota Pihak Independen 13 Maret 2020-2023
Patricia Marina Sugondo
Member Independent Party March 13, 2020–2023
Anggota Pihak independen 13 Maret 2020-2023
Emmanuel Bambang Suyitno
Member Independent Party March 13, 2020–2023
Periode jabatan 13 Maret 2020 sampai dengan The term of office is March 13, 2020 until the closing of the
ditutupnya RUPST Perseroan pada tahun 2023, dengan Company’s AGMS in 2023, without prejudice to the rights
tidak mengurangi hak dan wewenang Dewan Komisaris and authorities of the Company’s Board of Commissioners
Perseroan untuk melakukan pemberhentian dan/atau to discharge and replace the Audit Committee members
penggantian sebelum masa tugas berakhir. before the end of the term of office.
PROFIL KOMITE AUDIT PERSEROAN 2021 COMPANY AUDIT COMMITTEE PROFILE IN 2021
I NYOMAN TJAGER I NYOMAN TJAGER

Ketua Chairman
71 Tahun 71 Years old
Warga Negara Indonesia Indonesian Citizen
Masa Jabatan Terms of Office

13 Maret 2020 – penutupan RUPST 2023 March 13, 2020 – closing of 2023 AGMS
Dasar Pengangkatan Appointment Basis

Surat Keputusan Dewan Komisaris Nomor Board of Commissioners Decree Number
Audit tanggal 13 Maret 2020. Audit Committee dated March 13, 2020.

Tersedia dalam bagian Profil Dewan Komisaris pada Avalaible at BOC Profile Section in this Annual Report
Laporan Tahunan ini.
Pengalaman Kerja Professional Experience

Tersedia dalam bagian Profil Dewan Komisaris pada Avalaible at BOC Profile Section in this Annual Report.
Laporan Tahunan ini.

.01 .02 .03 .04
PATRICIA MARINA SUGONDO PATRICIA MARINA SUGONDO

Anggota Member
54 Tahun, Warga Negara Indonesia 54 Years old, Indonesian Citizen



Meraih Gelar Sarjana di bidang Akuntansi dari He obtained a bachelor’s degree in Accounting from
Universitas Katolik Atmajaya pada tahun 1990. Atmajaya Catholic University in 1990.

1. Assurance and Business Advisory Services - Senior 1. Assurance and Business Advisory Services - Senior
Manager (1990 - 2002) Manager (1990 - 2002)
2. PT GNV Solution (previously PT GNV Consulting) 2. PT GNV Solution (previously PT GNV Consulting)
3. Anggota Komite Audit PT Samudera Indonesia Tbk 3. Audit Committee Member of PT Samudera
(2009 - saat ini) Indonesia Tbk (2009 - present)
4. Anggota Komite Audit PT Elang Mahkota Teknologi 4. Audit Committee Member of PT Elang Mahkota
Tbk (2010 - saat ini) Teknologi Tbk (2010 - present)
5. Anggota Komite Audit PT Surya Citra Media Tbk 5. Audit Committee Member of PT Surya Citra Media
(2017 - saat ini) Tbk (2017 - present)
6. Anggota Komite Audit PT Sarana Media Nusantara 6. Audit Committee Member of PT Sarana Media
Tbk (2018 - saat ini) Nusantara Tbk (2018 - present)

.05 .06 .07
EMMANUEL BAMBANG SUYITNO EMMANUEL BAMBANG SUYITNO,

Anggota/Pihak Independen Member/Independent Party
51 Tahun, Warga Negara Indonesia 51 Years old, Indonesian Citizen



MBA dari Institut Pengembangan Manajemen Indonesia MBA from Institut Pengembangan Manajemen
(IPMI) International Business School pada tahun 2007; Indonesia (IPMI) International Business School, 2007;
Sarjana Akuntansi (S1) dari Universitas Indonesia pada bachelor’s degree in Accountant, University Indonesia,
tahun 1995. 1995.

1. Senior Auditor Ernst and Young (1994 - 1997) 1. Senior Auditor of Ernst and Young (1994 - 1997)
2. Assistant Manager - Structured Finance PT ABS 2. Assistant Manager - Structured Finance PT ABS
Finance Indonesia - JV with IFC (1997 - 1998) Finance Indonesia - JV with IFC (1997 - 1998)
3. Manager - Corporate Finance PT Puridana Sekurindo 3. Manager - Corporate Finance PT Puridana Sekurindo
(1998 - 2001) (1998 - 2001)
4. Corporate Secretary PT Kopitime Dot Com Tbk 4. Corporate Secretary of PT Kopitime Dot Com Tbk
(2001- 2003) (2001- 2003)
5. Senior Manager - Risk Management and Internal 5. Senior Manager - Risk Management and Internal
Audit PT Surya Citra Media Tbk (2003 - 2008) Audit PT Surya Citra Media Tbk (2003 - 2008)
6. Anggota Komite Audit PT Surya Citra Media Tbk 6. Audit Committee Member of PT Surya Citra Media
(2008 - 2019) Tbk (2008 - 2019)
7. Assistant Vice President PT Indika Energy Tbk 7. Assistant Vice President of PT Indika Energy Tbk
(2008 - 2012) (2008 - 2012)
8. Head of Investor Relations PT Petrosea Tbk 8. Head of Investor Relations of PT Petrosea Tbk
(2009 - 2012) (2009 - 2012)
9. Head of Investor Relations PT Mitrabahtera Segara 9. Head of Investor Relations of PT Mitrabahtera
Sejati Tbk (2011 - 2012) Segara Sejati Tbk (2011 - 2012)
10. Vice President - Head of Investor Relations and 10. Vice President - Head of Investor Relations and
Corporate Finance ChemOne Holdings Pte Ltd Corporate Finance ChemOne Holdings Pte Ltd
(2012 - 2016) (2012 - 2016)
11. Komite Audit PT danareksa (Persero) (2014 - 2016) 11. Audit Committee of PT danareksa (Persero)
(2014 - 2016)
12. Senior Vice President - Head of Investor Relations, 12. Senior Vice President - Head of Investor Relations,
Corporate Finance, MIS & Audit Lucky Group of Corporate Finance, MIS & Audit Lucky Group of
Indonesia (2016 - 2017) Indonesia (2016 - 2017)
13. Independent Consultant for Corporate Secretary, 13. Independent Consultant for Corporate Secretary,
Investor Relations and Corporate Finance Investor Relations and Corporate Finance of PT PP
PT PP Presisi Tbk (2017 - saat ini) Presisi Tbk (2017 - present)
14. Anggota Komite Audit PT Elang Mahkota Teknologi 14. Audit Committee Member of PT Elang Mahkota
Tbk (2019 - saat ini) Teknologi Tbk (2019 - present)

.01 .02 .03 .04
INDEPENDENSI ANGGOTA KOMITE AUDIT INDEPENDENCY OF AUDIT COMMITTEE MEMBER
Persyaratan anggota Komite Audit wajib memiliki The Audit Committee members are required to have
integritas yang tinggi, kemampuan, pengetahuan, high integrity, ability, knowledge, experience in
pengalaman sesuai dengan bidang pekerjaannya, serta accordance with their field of work and be able to
mampu berkomunikasi dengan baik sebagaimana communicate well as required in POJK 55/2015 as
dipersyaratkan dalam POJK 55/2015 telah diatur dalam stipulated in the Audit Committee Charter.
Piagam Komite Audit.
Dengan diangkatnya Komite Audit melalui Surat With the appointment of the Audit Committee through
Keputusan Dewan Komisaris tentang Pembentukan the WOMF Board of Commissioners Decree regarding
Komite Audit WOMF Nomor 010/III/BOC-WOM/2020 the Establishment of the Audit Committee Number
tertanggal 13 Maret 2020, maka anggota Komite 010/III/BOC-WOM/2020 dated March 13, 2020, the Audit
Audit telah memenuhi persyaratan memiliki integritas, Committee members have met the requirements of
akhlak dan moral yang baik. having good integrity, character and morals.
Komite Audit Perseroan menandatangani Surat The Company’s Audit Committee signed the Statement
Pernyataan: Letter:
1. Tidak mempunyai hubungan usaha yang terkait 1. Does not have a direct and indirect business
dengan kegitan usaha Perseroan secara langsung relationship related to the Company’s business
maupun tidak langsung. activities.
2. Tidak mempunyai saham baik langsung maupun 2. Do not own direct or indirect shares related to the
tidak langsung yang berkaitan dengan kegiatan Company’s business activities and if I acquire the
usaha Perseroan dan dalam hal Saya memperoleh said shares as a result of a legal event, I will transfer
saham dimaksud akibat satu peristiwa hukum, the shares to another party within a maximum
maka Saya akan mengalihkan saham tersebut period of 6 (six) months after the acquisition of the
kepada pihak lain dalam jangka waktu paling shares.
lama 6 (enam) bulan setelah diperolehnya saham
tersebut.
3. Tidak mempunyai hubungan afliansi dengan 3. Has no affiliation with the Company’s Board of
anggota Dewan Komisaris, anggota Direksi atau Commissioners members, the Board of Directors
pemegang saham Perseroan. members or shareholders.
4. Bukan merupakan orang dalam Kantor Akuntan 4. Not a person in a Public Accounting Firm, Legal
Publik, Kantor Konsultan Hukum, Kantor Jasa Consulting Firm, Public Assessment Service Office,
Penilai Publik, atau pihak lain yang memberi jasa or other party providing assurance and non-
assurance dan non- assurance, jasa penilai dan/atau assurance services, assessment services and/or other
jasa konsultasi lain kepada Perseroan. consulting services to the Company.
5. Bukan merupakan orang yang bekerja atau 5. Not a person who works or has the authority and
mempunyai wewenang dan tanggung jawab untuk responsibility to plan, lead or control or supervise
merencanakan, memimpin atau mengendalikan the activities of the Company.
atau mengawasi kegiatan Perseroan.

.05 .06 .07
URAIAN TUGAS DAN TANGGUNG JAWAB KOMITE AUDIT DESCRIPTION OF AUDIT COMMITTEE DUTIES AND
RESPONSIBILITIES
Tugas dan tanggung jawab Komite Audit diantaranya The duties and responsibilities of the Audit Committee
melakukan koordinasi dengan Kantor Akuntan Publik include coordinating with the Public Accounting Firm
(KAP) dalam rangka efektivitas pelaksanaan audit (KAP) in order to effectively implement the external
ekstern. Komite Audit memberikan rekomendasi audit. The Audit Committee provides recommendations
mengenai penunjukan Akuntan Publik dan Kantor regarding the appointment of a Public Accountant and
Akuntan Publik kepada Dewan Komisaris. a Public Accounting Firm to the Board of Commissioners.
Dalam rangka melaksanakan tugas dan tanggung In order to carry out its duties and responsibilities,
jawab, Komite Audit melakukan evaluasi dan the Audit Committee evaluates and provides
pemberian rekomendasi, meliputi: recommendations, including:
1. Pelaksanaan tugas yang dilaksanakan fungsi audit 1. Implementation of tasks by the internal audit
intern; function;
2. Pelaksanaan tindak lanjut oleh Direksi atas hasil 2. Implementation of follow-up by the Board of
temuan audit dan/atau rekomendasi dari hasil Directors on audit findings and recommendations
pengawasan OJK, Auditor Intern dan/atau Auditor from the OJK supervision result, Internal Auditors
Ekstern guna memberikan rekomendasi kepada and External Auditors in order to provide
Dewan Komisaris; recommendations to the Board of Commissioners;
3. Kesesuaian pelaksanaan audit oleh KAP dengan 3. Conformity of audit by KAP with applicable audit
standar audit yang berlaku; standards;
4. Kesesuaian laporan keuangan dengan standar 4. Conformity of financial statements with applicable
akuntansi yang berlaku; accounting standards;
5. Pelaksanaan tindak lanjut oleh Direksi atas hasil 5. Implementation of follow-up by the Board of
temuan SKAI, Akuntan Publik dan hasil pengawasan Directors on the Internal Audit Unit (SKAI) findings,
OJK; Public Accountants and the OJK supervision result;
6. Penunjukan Akuntan Publik untuk disampaikan 6. Appointment of a Public Accountant to be
kepada Rapat Umum Pemegang Saham; submitted to the General Meeting of Shareholders;
Sedangkan dalam pelaksanaan fungsi audit internal, Meanwhile, in the implementation of the internal audit
Komite Audit memiliki wewenang: function, the Audit Committee has the authority to:
1. Memantau dan mengkaji efektivitas pelaksanaan 1. Monitor and review the effectiveness of the
audit internal Perusahaan; Company’s internal audit;
2. Mengevaluasi kinerja Divisi Audit; 2. Evaluate the performance of the Audit Division;
3. Memastikan Divisi Audit melakukan komunikasi 3. Ensure that the Audit Division communicates with
dengan Direksi dan Dewan Komisaris, auditor the Board of Directors and Board of Commissioners,
eksternal dan Otoritas Jasa Keuangan; external auditors and the Financial Services Authority;
4. Memastikan Divisi Audit bekerja secara independen; 4. Ensure that the Audit Division works independently;
5. Memberikan rekomendasi kepada Dewan Komisaris 5. Provide recommendations to the Board of
terkait penyusunan rencana audit, ruang lingkup Commissioners regarding the preparation of the
dan anggaran Divisi Audit; audit plan, scope and budget of the Audit Division;
6. Meninjau laporan audit dan memastikan Direksi 6. Review audit reports and ensure that the Board
mengambil tindakan perbaikan yang diperlukan secara of Directors takes the necessary corrective
cepat untuk mengatasi kelemahan pengendalian, actions quickly to address control weaknesses,
fraud, masalah kepatuhan terhadap kebijakan, fraud, compliance issues with policies, laws and
undang-undang dan peraturan, atau masalah lain regulations, or other issues identified and reported
yang diidentifikasi dan dilaporkan oleh Divisi Audit; by the Audit Division;

.01 .02 .03 .04
7. Memberikan rekomendasi kepada Dewan Komisaris 7. Provide recommendations to the Board of

terkait pemberian remunerasi tahunan Divisi Audit Commissioners regarding the provision of the
secara keseluruhan serta penghargaan kinerja; dan entire Audit Division’s annual remuneration and
performance awards; and
8. Memastikan Divisi Audit menjunjung tinggi 8. Ensure that the Audit Division upholds integrity in
integritas dalam pelaksanaan tugas. carrying out its duties.
PENDIDIKAN DAN PELATIHAN KOMITE AUDIT AUDIT COMMITTEE EDUCATION AND TRAINING
Nama Penyelenggara Topik dan Uraian Singkat

Name Organizer Topic and Summary
Seminar Online Peluang dan Tantangan Kebijakan

Restrukturisasi Tahap 2 (Seminar untuk Direksi, Komisaris,
Asosiasi Perusahaan Pembiayaan Pemegang Saham Pengendali dan Dewan Pengawas Syariah)
Indonesia (Bersertifikat)
(Indonesian Financial Services Association) Online Seminar on Restructuring Policy Opportunities and Challenges
I Nyoman Tjager Phase 2 (Seminar for Board of Directors, Board of Commissioners,
Controlling Shareholders and Sharia Supervisory Board) (Certified)
Himpunan Konsultan Hukum Pasar Implikasi Berlakunya POJK Nomor 3/POJK.04/2021 Bagi
Modal (HKHPM) Perusahaan Terbuka (Bersertifikat)
Capital Market Legal Consultant Implications of the Applicability of POJK Number 3/POJK.04/2021 for
Association Public Companies (Certified)
ERM Academy & Indonesia Risk
Amplifying Business Resilience with Digital Technology
Management Professional Association
DTTL Global Center For Governance Recovery After Pandemic
Patricia Marina The Board Role in Overseeing Financial Crime Risk
Deloitte Global Boardroom
Sugondo Management
Harmonisasi Peraturan Perpajakan dan update PSAK
IAI
Harmonization of Tax Regulations and SFAS updates
FEB UI Mismanagement Prevention – Beyond Investigative Audit
Erma & Irmapa Amplifying Business Resilience with Digital Technology
ISO 37301:2021, Compliance Management Systems
Irmapa & BSN
Requirements with Guidance for Use
FEUI & Ruang Seminar Fraud Prevention & Detection
Tanggung Jawab Komite Audit Saat Perseroan Tersangkut
Emmanuel Masalah Hukum Terkait Laporan Keuangan
IKAI
Bambang Suyitno The Responsibilities of the Audit Committee When the Company is
Involved in Legal Issues Related to Financial Statements
PPA FEUI Sustainability Reporting and Sustainable Finance
Implementasi Forensic Accounting Dalam Mendeteksi Fraud
FEUI & Ruang Seminar
Implementation of Forensic Accounting in Detecting Fraud
FEUI & Ruang Seminar Establish Robust Anti Fraud Management System

.05 .06 .07
RAPAT KOMITE AUDIT AUDIT COMMITTEE MEETING
Sepanjang tahun 2021, Komite Audit Throughout 2021, the Audit Committee held 7 (seven)
menyelenggarakan 7 (tujuh) kali rapat dengan meetings with details of attendance and agenda as
rincian kehadiran dan agenda sebagai berikut: follows:
Nama Jabatan Kehadiran Jumlah Rapat Kehadiran%

Ketua
Chairman
Anggota
Patricia Marina Sugondo 7 7 100
Member
Anggota/Pihak
Independen
Emmanuel Bambang Suyitno Member/ 7 7 100
Independent Party
Agenda Rapat Komite Audit Tahun 2021

Audit Committee Meeting Agenda in 2021
Tanggal Peserta Rapat Agenda Meeting

No
Date Participants Meeting Agenda
Anggota Komite Audit & Audit Internal Progress Audit Kuartal IV Tahun 2020 dan AOP
19 Januari 2021
1 Members of Audit Committee and Internal Audit Tahun 2021
January 19, 2021
Committee 2020 Q4 Audit Progress and 2021 AOP
Closing Meeting Audit Laporan Keuangan per
Anggota Komite Audit & Audit Internal
11 Februari 2021 31 Des 2020
2 Members of Audit Committee and Internal Audit
February 11, 2021 Closing Meeting of Financial Statements Audit as
Committee
of Dec 31, 2020
14 April 2021 Progress Audit Kuartal I Tahun 2021
April 14, 2021 2021 Q1 Audit Progress
Committee
07 Jui 2021 Progress Audit Kuartal II Tahun 2021
July 07 2021 2021 Q2 Audit Progress
Committee
Closing Meeting Audit Laporan Keuangan per
13 Juli 2021 30 Juni 2021
July 13, 2021 Closing Meeting of Financial Statements Audit as
Committee
of June 31, 2021
13 Oktober 2021 Progress Audit Kuartal III Tahun 2021
October 13, 2021 2021 Q3 Audit Progress
Committee
Opening Meeting Audit Laporan Keuangan
13 Oktober 2021 per 31 Des 2021
October 13, 2021 Opening Meeting of Financial Statements Audit as
Committee
of Dec 31, 2021

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LAPORAN PELAKSANAAN TUGAS KOMITE AUDIT TAHUN 2021 AUDIT COMMITTEE DUTIES IMPLEMENTATION
2021 REPORT
1. Komite Audit mendorong dan terus memantau 1. The Audit Committee encouraged and continually
agar rencana kerja audit internal dapat dicapai monitored thus the internal audit could reach work
dengan efisien dan efektif. plan efficiently and effectively.
2. Komite Audit telah melakukan evaluasi terhadap 2. The Audit Committee evaluated the performance
kinerja KAP dan menyusun surat rekomendasi of KAP and prepared a letter of recommendation
untuk penunjukkan eksternal auditor yang akan to the Board of Commissioners for the appointment
melakukan audit tahun buku 2021 kepada Dewan of an external auditor who will conduct an audit
Komisaris. for the 2021 fiscal year.
Pelaksanaan kegiatan Komite Audit pada tahun buku The implementation of the Audit Committee’s activities
sesuai dengan yang dicantumkan dalam pedoman atau for the fiscal year is in accordance with the statement in
piagam (charter) Komite Audit. the guidelines or charter of the Audit Committee.
Untuk Periode 1 Januari 2021 sampai dengan 31 For January 1, 2021 to December 31, 2021, the Audit
Desember 2021, Komite Audit telah melakukan rapat Committee held 7 (seven) meetings more than half of
sebanyak 7 (tujuh) kali dan dihadiri oleh lebih dari ½ the Audit Committee members attended the meeting.
(satu per dua) jumlah anggota Komite Audit sehingga Therefore, the minimum requirements for holding
ketentuan minimal penyelenggaraan rapat dan tingkat meetings and the attendance level of its members are in
kehadiran para anggotanya sesuai dengan ketentuan accordance with the provisions of the Audit Committee
Piagam Komite Audit telah terpenuhi. Charter.

.05 .06 .07
Komite Nominasi dan Remunerasi

Komite Nominasi dan Remunerasi merupakan komite The Nomination and Remuneration Committee is a
yang dibentuk dan bertanggung jawab kepada committee formed and is responsible to the Company’s
Dewan Komisaris Perusahaan. Fungsinya membantu Board of Commissioners. Its function is to assist the
pelaksanaan tugas dan tanggung jawab Dewan implementation of the duties and responsibilities of
Komisaris terkait dengan pemberian rekomendasi atas the Board of Commissioners in relation to providing
nominasi dan remunerasi anggota Dewan Komisaris recommendations on the nomination and remuneration
dan Direksi. of the Board of Commissioners and the Board of
Directors.
SUSUNAN KEANGGOTAAN KOMITE COMPOSITION OF COMMITTEE MEMBERSHIP
Komite Nominasi dan Remenurasi Perseroan The Company’s Nomination and Remuneration
beranggotakan 3 (tiga) orang, yang terdiri atas 1 (satu) Committee consists of 3 (three) people, consisting of a
orang Ketua yang merupakan Komisaris Independen, Chairwoman with concurrent position as Independent
1 (satu) orang Komisaris Non-Independen dan 1 (satu) Commissioner, a Non-Independent Commissioner and a
orang Pejabat Eksekutif yang membawahkan Sumber Executive Officer in charge of Human Resources (HR),
Daya Manusia (SDM) dan saat ini dijabat oleh Chief currently held by Chief Human Capital Officer.
Human Capital Officer.
MYRNIE ZACHRAINI TAMIN
Ketua | Chairwoman
Merupakan Ketua Komite Nominasi dan Remunerasi. She is the Chairwoman of the Nomination and
Warga Negara Indonesia yang berdomisili di Bogor Remuneration Committee. She is an Indonesian
dan berusia 58 Tahun. Pendidikan terakhirnya citizen domiciled in Bogor and she is 58 years old.
adalah Hukum Bisnis/Program Magister Hukum di Her last education was Business Law/Master of
Fakultas Hukum Universitas Padjadjaran, Bandung Law Program at the Faculty of Law, Padjadjaran
pada tahun 2006. University, Bandung in 2006.
ROBBYANTO BUDIMAN
Wakil Ketua | Vice Chairman

Merupakan Wakil Ketua Komite Nominasi dan He is the Vice Chairman of the Nomination and
Remunerasi. Warga Negara Indonesia berdomisili Remuneration Committee. He is an Indonesian citizen,
di Jakarta dan berusia 54 Tahun. Sarjana Business domiciled in Jakarta and he is 54 years old. He obtained
Administration/Marketing dari University of Bachelor of Business Administration/Marketing
Southern California pada tahun 1987 dan from University of Southern California in 1987 and
International Business dari Northrop University Los International Business from Northrop University Los
Angeles pada tahun 1989. Angeles in 1989.

.01 .02 .03 .04
EKANTO WIJONOSUNU
Anggota dan Sekretaris | Member and Secretary

Anggota & Sekretaris Komite Nominasi dan He is a Member & Secretary of the Nomination
Remunerasi. Warga Negara Indonesia berusia 61 and Remuneration Committee. He is an Indonesian
Tahun dan berdomisili di Jakarta. Menjabat sebagai citizen, 61 years old and domiciled in Jakarta. He
Chief Human Capital Officer sejak 20 November has served as Chief Human Capital Officer since
2017 serta menamatkan pendidikan di Universitas November 20, 2017 and he graduated from Sebelas
Sebelas Maret. Maret University.
INDEPENDENSI ANGGOTA KOMITE NOMINASI DAN INDEPENDENCE OF NOMINATION AND REMUNERATION

REMUNERASI COMMITTEE MEMBERS
Dalam melaksanakan fungsi dan tugasnya, Perseroan In carrying out its functions and duties, the Company
memastikan Komite Nominasi dan Remunerasi bersikap ensures that the Nomination and Remuneration
independen. Independensi Komite Nominasi dan Committee works independently. The independence
Remunerasi pada Perseroan tercermin pada hal-hal, of the Nomination and Remuneration Committee in
antara lain sebagai berikut: the Company is reflected in the following indicators,
among others:
1. Pengangkatan Ketua Komite Nominasi dan 1. The Chairwoman of the Nomination and
Remunerasi yang berasal dari Komisaris Independen Remuneration Committee is appointed from the
Perusahaan; Company’s Independent Commissioner;
2. Tidak ada Anggota Direksi yang menjadi anggota 2. There is no member of the Board of Directors
Komite Nominasi dan Remunerasi. with concurrent position as the Nomination and
Remuneration Committee member.
Uraian Tugas dan Tanggung Jawab Duties and Responsibilities

1. Terkait dengan kebijakan remunerasi: 1. Regarding the remuneration policy:
- Melakukan evaluasi terhadap kebijakan remunerasi; - Evaluate the remuneration policy;
- Melakukan evaluasi terhadap kesesuaian antara - Evaluate the suitability of the remuneration
kebijakan remunerasi dengan pelaksanaan policy with its implementation;
kebijakan tersebut;
- Memberikan rekomendasi kepada Dewan - Provide recommendations to the Board of
Komisaris mengenal kebijakan remunerasi bagi Commissioners regarding remuneration policy
Dewan Komisaris dan Direksi. for the Board of Commissioners and the Board
of Directors.
2. Terkait dengan kebijakan nominasi: 2. Regarding the nomination policy:

Komisaris mengenai sistem serta prosedur Commissioners regarding the system and
pemilihan dan/atau penggantian anggota procedure for selecting and replacing the Board
Dewan Komisaris dan Direksi; of Commissioners and Board of Directors;

.05 .06 .07

Komisaris mengenai calon anggota Dewan Commissioners regarding candidates for the
Komisaris dan Direksi. Board of Commissioners and the Board of
Directors memebers.
Dalam menjalankan tugas dan tanggung jawab terkait In carrying out its duties and responsibilities related
dengan kebijakan remunerasi, Komite Nominasi dan to the remuneration policy, the Nomination and
Remunerasi, wajib memperhatikan: Remuneration Committee must pay attention to:
1. Kinerja Keuangan dan pemenuhan cadangan 1. Financial performance and fulfillment of reserves
sebagaimana diatur dalam perundang-undangan as regulated in the applicable laws and regulations;
yang berlaku;
2. Prestasi kerja individual; 2. Individual work performance;
3. Kewajaran dengan peer group di dalam dan di luar 3. Fairness with peer groups inside and outside the
Perusahaan; Company;
4. Pertimbangan sasaran dan strategi jangka panjang 4. Consideration of the Company’s long-term goals
Perusahaan. and strategies.
PIAGAM KOMITE NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE

CHARTER
Perseroan telah memiliki pedoman Komite nominasi The Company has guidelines for the nomination and
dan atau remunerasi yang dituangkan dalam Piagam remuneration committee as outlined in the Nomination
Komite Nominasi dan Remunerasi yang ditetapkan pada and Remuneration Committee Charter stipulated
16 November 2017 oleh Dewan Komisaris Perseroan. on November 16, 2017 by the Company’s Board of
Commissioners.
Pelaksanaan dan Agenda Rapat

Meeting Implementation and Agenda
Tanggal Peserta Rapat Agenda Rapat

No
Date Participants Meeting Agenda
Anggota Komite Nominasi dan Usulan Bonus Tahun Buku 2020

17 Maret 2021 Remunerasi Usulan Annual Increase Tahun 2021
1
March 17, 2021 Member of Nomination and Bonus Proposal for 2020 Fiscal Year
Remuneration Committee Proposal of Salary Increase in 2021
Anggota Komite Nominasi dan
21 Maret 2021 Remunerasi Usulan Penundaan Kenaikan Gaji Tahunan 2021
2
March 21, 2021 Member of Nomination and Proposal Postponement of Annual Salary Increase in 2021
Remuneration Committee
Usulan Implementasi Kenaikan Gaji Tahunan 2021
25 Agustus 2021 Remunerasi
3 Proposal of Implementation of Annual Salary Increase in
August 25, 2021 Member of Nomination and
2021
Anggota Komite Nominasi dan Pengunduran Diri Direktur atas nama Zacharia
15 Oktober 2021 Remunerasi Susantadiredja
4
October 15, 2021 Member of Nomination and Director's Resignation on behalf of Zacharia
Remuneration Committee Susantadiredja
25 Oktober 2021 Remunerasi Usulan Cincin Lisa Hadi Sebagai Direktur Finance
5
October 25, 2021 Member of Nomination and Proposal of Cincin Lisa Hadi as Finance Director

.01 .02 .03 .04
FREKUENSI RAPAT KOMITE NOMINASI DAN REMUNERASI MEETING FREQUENCY OF NOMINATION AND
REMUNERATION COMMITTEE
Selama tahun 2021, Komite Nominasi dan Remunerasi During 2021, the Nomination and Remuneration
menyelenggarakan 5 (lima) kali rapat dengan rincian Committee held 5 (five) meetings with details of
kehadiran sebagai berikut: attendance as follows:

Name Position Attendance Total Meeting Attendance
Myrnie Zachraini Tamin Ketua

5 5 100
Chairwoman
Robbyanto Budiman Wakil Ketua

5 5 100
Vice Chairman
Anggota dan
Ekanto Wijonosunu Sekretaris
5 5 100
Member and
Secretary
LAPORAN PELAKSANAAN KEGIATAN KOMITE NOMINASI REPORT ON IMPLEMENTATION OF NOMINATION AND

DAN REMUNERASI REMUNERATION COMMITTEE ACTIVITIES
Di tahun 2021 Komite Nominasi dan Remunerasi telah In 2021, the Nomination and Remuneration Committee
melaksanakan kegiatan sebagai berikut: carried out the following activities:
1. Melakukan pembahasan usulan bonus untuk 1. Discussion on bonus proposals for the Board of
Dewan Komisaris dan Direksi. Commissioners and the Board of Directors.
2. Pembahasan besaran kenaikan gaji tahunan Dewan 2. Discussion on the total of the annual salary increase
Komisaris dan Direksi. for the Board of Commissioners and the Board of
Directors.
3. Frekuensi dan kehadiran rapat Komite Nominasi 3. Frequency and attendance of Nomination and
dan Remunerasi sepanjang tahun 2021, sebanyak Remuneration Committee Meetings throughout
5 (lima) kali. 2021, amounted to 5 (five) meetings.

.05 .06 .07
KEBIJAKAN MENGENAI SUKSESI JABATAN STRATEGIS POLICY REGARDING STRATEGIC POSITION SUCCESSION
Selain pelaksanaan kegiatan di atas, Komite Nominasi In addition to the implementation of those activities, the
dan Remunerasi Perseroan pada tahun 2021 juga Company’s Nomination and Remuneration Committee
mempersiapkan langkah regenerasi jabatan-jabatan di in 2021 arranged steps to regenerate internal positions
internal perusahaan terutama jabatan-jabatan strategis in the company, especially strategic and critical
dan kritikal termasuk Direksi. Dalam hal ini Perseroan positions including the Board of Directors. In this case,
telah melakukan pengelolaan suksesi disetiap level the Company carried out succession management at
organisasi untuk mempersiapkan sumber daya internal every level of the organization to prepare qualified
yang siap mengisi kebutuhan organisasi dalam jangka internal resources to fill the needs of the organization
panjang. in the long term.
Kegiatan pengaturan suksesi ini bertujuan untuk This succession arrangement activity aims to ensure the
memastikan ketepatan penempatan kader yang accuracy of the placement of cadres that are at least
minimal setara atau lebih baik dari karyawan yang equal to or better than the replaced employees. Thus,
digantikan. Dengan demikian dapat mencegah it can prevent a decrease in organizational capability
penurunan kapabilitas organisasi atau bahkan or even a resource crisis due to the loss of a key person
krisis sumber daya akibat kehilangan key person without the readiness of a replacement. It also aims to
tanpa kesiapan pengganti. Juga untuk memastikan ensure the mastery of individual exclusive knowledge
penguasaan pengetahuan eksklusif individu menjadi into organizational knowledge, so as to improve the
pengetahuan organisasi, sehingga dapat meningkatkan Company’s capabilities.
kemampuan dan kapabilitas Perseroan.
Kriteria yang digunakan dalam menetapkan calon The criteria in determining the succession candidates
suksesi Direksi dilakukan berdasarkan hasil penilaian for the Board of Directors are carried out based
kinerja dan rekomendasi hasil review/assessment on the results of the performance assessment and
kompetensi yang didalamnya mencakup mengenai recommendations from the competency review/
kepemimpinan. assessment including leadership.

.01 .02 .03 .04
Komite Pemantau Risiko

Risk Oversight Committee
Untuk mendukung efektivitas pelaksanaan tugas dan To support the effectiveness of the duties and
tanggung jawab Dewan Komisaris Perseroan yang responsibilities implementation of the Company’s
berhubungan dengan pengawasan manajemen risiko, Board of Commissioners related to risk management
budaya manajemen risiko dan identifikasi risiko-risiko supervision, risk management culture and identification
signifikan, maka Dewan Komisaris membentuk Komite of significant risks, the Board of Commissioners
Pemantau Risiko. establishes a Risk Oversight Committee.
Komite Pemantau Risiko memonitor proses perbaikan The Risk Oversight Committee monitors the process
yang berkesinambungan atas kebijakan, prosedur dan of continuous improvement of policies, procedures
praktik pada semua tingkatan dalam Perseroan, guna and practices at all levels within the Company, in
memastikan telah dilakukannya pengelolaan Perseroan order to ensure that the Company’s management and
dan pengendalian risiko yang baik. Dengan demikian, risk control have been carried out properly. Thus, the
pembentukan Komite Pemantau Risiko akan sangat establishment of a Risk Oversight Committee will be
bermanfaat untuk meningkatkan kepercayaan publik very beneficial to increase public confidence in the
terhadap pengelolaan Perseroan. management of the Company.
Dalam melaksanakan tugasnya, Komite Pemantau In carrying out its duties, the Risk Oversight Committee
Risiko memiliki Piagam Komite Pemantau Risiko has Risk Oversight Committee Charter dated March 3,
tertanggal 3 Maret 2021. 2021.
KEANGGOTAAN KOMITE PEMANTAU RISIKO MEMBERSHIP OF RISK OVERSIGHT COMMITTEE
Untuk melaksanakan tugasnya secara efektif dan To carry out their duties effectively and efficiently in
efisien dalam rangka pengawasan manajemen risiko, risk management supervision, risk management culture
budaya manajemen risiko dan identifikasi risiko-risiko and identification of significant risks for the Company,
signifikan bagi Perseroan, seluruh Dewan Komisaris all of the Board of Commissioners members including
termasuk dua orang Komisaris Independen terlibat two Independent Commissioners are involved in the
dalam keanggotaan Komite Pemantau Risiko. membership of the Risk Oversight Committee.
Berikut susunan anggota Komite Pemantau Risiko The following is the composition of the members of the
Perseroan: Company’s Risk Oversight Committee:
Nama Jabatan
Name Position
Ketua
I Nyoman Tjager
Chairman
Wakil Ketua
Robbyanto Budiman
Vice Chairman
Anggota
Garibaldi Thohir
Member
Anggota
Member
Anggota
Myrnie Zachraini Tamin
Member
Anggota
Emmanuel Bambang Suyitno
Member

.05 .06 .07
PROFIL KEANGGOTAAN KOMITE PEMANTAU RISIKO RISK OVERSIGHT COMMITTEE PROFILE
I Nyoman Tjager: Ketua I Nyoman Tjager: Chairman

Informasi mengenai profil tersedia pada Profil Dewan Information about the profile is available on the Profile
Komisaris of the Board of Commissioners
Robbyanto Budiman: Wakil Ketua Robbyanto Budiman: Vice Chairman

Informasi mengenai profil tersedia pada Profil Dewan Information regarding the profile is available on the Profile
Komisaris dalam Laporan Tahunan ini. of the Board of Commissioners in this Annual Report.
Garibaldi Thohir: Anggota Garibaldi Thohir: Member

Thilagavathy Nadason: Anggota Thilagavathy Nadason: Member

Myrnie Zachraini Tamin: Anggota Myrnie Zachraini Tamin: Member

Emmanuel Bambang Suyitno Emmanuel Bambang Suyitno

Anggota/Pihak Independen Member/Independent Party
Informasi tersedia pada Profil Anggota Komite Audit. Information is available on the Profile of the Audit
Committee Members.
INDEPENDENSI KOMITE PEMANTAU RISIKO INDEPENDENCY OF RISK OVERSIGHT COMMITTEE
Komite Pemantau Risiko dalam pelaksaan tugasnya In carrying out its duties, the Risk Oversight Committee
telah bersikap independen. Independensi ini works independently. This independence is supported by
didukung dengan keanggotaan 2 (dua) orang the membership of 2 (two) Independent Commissioners
Komisaris Independen Perseroan dan satu orang pihak of the Company and one independent party outside
independen di luar perusahaan dalam keanggotaan the company in the membership of the Company’s Risk
Komite Pemantau Risiko Perseroan. Oversight Committee.
Sesuai dengan Piagam Komite Pemantau Risiko, In accordance with the Risk Oversight Committee
dinyatakan bahwa Pihak Independen adalah pihak Charter an Independent Party is a party outside the
di luar Perusahaan yang tidak memiliki hubungan Company who has no financial, management, share
keuangan, kepengurusan, kepemilikan saham dan/atau ownership and/or family relationship with the Board of
hubungan keluarga dengan Dewan Komisaris, Direksi Commissioners, Board of Directors and/or controlling
dan/atau pemegang saham pengendali atau hubungan shareholder or other relationship that may affect its
lain yang dapat mempengaruhi kemampuannya untuk ability to works independently.
independen.
Berdasarkan Piagam Komite Pemantau Risiko, Komite Based on the Risk Oversight Committee Charter, the
Pemantau Risiko diketuai oleh Komisaris Independen. Risk Oversight Committee is chaired by a Independent
Commissioner.

.01 .02 .03 .04
KEPUTUSAN KOMITE PEMANTAU RISIKO DECISION OF RISK OVERSIGHT COMMITTEE
Hasil keputusan Komite Pemantau Risiko yang sah The valid decisions of the Risk Oversight Committee
merupakan risalah rapat yang diedarkan kepada seluruh are in the form of the minutes of meeting circulated to
anggota untuk mendapatkan tambahan masukan yang all members to obtain additional input. Those will be
kemudian dikaji terlebih dahulu pada agenda rapat reviewed first on the agenda of the next meeting, before
berikutnya, sebelum kemudian ditandatangani oleh the Chairman/Vice Chairman signs it. Furthermore, the
Ketua/Wakil Ketua. Selanjutnya, hasil keputusan dalam decisions in the minutes of the meeting are circulated
risalah rapat tersebut diedarkan kepada Direksi dan to the Board of Directors and related work units.
unit kerja terkait.
TUGAS DAN TANGGUNG JAWAB KOMITE PEMANTAU DUTIES AND RESPONSIBILITIES OF RISK OVERSIGHT
RISIKO COMMITTEE
Komite Pemantau Risiko bertugas memberikan The Risk Oversight Committee has duties to provide
pendapat profesional terhadap laporan atau hal-hal professional opinions on reports or matters submitted
yang disampaikan Direksi kepada Dewan Komisaris. by the Board of Directors to the Board of Commissioners.
Juga mengidentifikasi hal-hal yang memerlukan It also identifies matters that require the attention of
perhatian Dewan Komisaris, antara lain: the Board of Commissioners, including:
1. Evaluasi tentang kesesuaian antara kebijakan 1. Evaluate the suitability of the risk management
manajemen risiko dengan pelaksanaan kebijakan policy with the implementation of the Company's
Perseroan; policies;
2. Pemantauan dan evaluasi pelaksanaan tugas 2. Monitor and evaluate the implementation of
Komite Manajemen Risiko dan Satuan Kerja the Risk Management Committee and the Risk
Manajemen Risiko guna memberikan rekomendasi Management Work Unit duties in order to provide
kepada Dewan Komisaris; recommendations to the Board of Commissioners;
3. Membuat program kerja atau rencana tahunan 3. Make a work program or annual plan for the Risk
Komite Pemantau Risiko dan dikirimkan kepada Oversight Committee and send it to the Board of
Dewan Komisaris untuk mendapat persetujuan; Commissioners for approval;
4. Melaporkan kepada Dewan Komisaris berbagai 4. Report to the Board of Commissioners about the
risiko yang dihadapi Perusahaan dan penerapan Company’s various risks and the implementation of
manajemen risiko oleh Direksi; risk management by the Board of Directors;
5. Mengevaluasi kebijakan manajemen risiko 5. Evaluate the Company’s risk management policies
Perusahaan sekurang-kurangnya sekali dalam at least once a year;
setahun;
6. Melakukan evaluasi pertanggungjawaban 6. Evaluate the accountability of the Board of
pelaksanaan kebijakan Manajemen Risiko Direksi Directors’ Risk Management policy implementation
sekurang-kurangnya secara triwulan; at least on a quarterly basis;
7. Menjaga kerahasiaan seluruh dokumen, data dan 7. Maintain the confidentiality of all Company
informasi Perusahaan yang dimiliki; documents, data and information held;
8. Membuat, mengingkari dan memperbaharui 8. Create, deny and periodically update the Risk
Pedoman dan Tata Tertib Kerja Komite Pemantau Oversight Committee’s Guidelines and Work Rules;
Risiko secara periodik;
9. Menyelenggarakan dan memberikan kewenangan 9. Organize and grant authority to investigate matters
untuk melakukan investigasi terhadap hal-hal within the scope of related duties;
dalam ruang lingkup tugas terkait;

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10. Menjalin kerjasama dengan konsultan dari luar, 10. Collaborate with external consultants, accountants
akuntan atau pihak eksternal lainnya yang or other external parties who provide advice to
memberikan saran kepada Komite Pemantau Risiko the Risk Oversight Committee or provide direction
atau memberi pengarahan sehubungan dengan related to investigations, seek various related
investigasi, mencari berbagai informasi terkait dari information from employees of the collaborating
karyawan dari pihak-pihak yang bekerjasama atas parties at the request of the Risk Oversight
dasar permintaan Komite Pemantau Risiko; Committee;
11. Tugas-tugas lain, selain disebutkan di atas yang 11. Conduct other duties, apart from those
diberikan oleh Dewan Komisaris kepada Komite aforementioned duties, assigned by the Board of
Pemantau Risiko sesuai dengan fungsi dan tugasnya Commissioners to the Risk Oversight Committee in
dari waktu ke waktu sesuai dengan kebutuhan. accordance with their functions and duties from
time to time as needed.
FREKUENSI DAN KEHADIRAN RAPAT MEETING FREQUENCY AND ATTENDANCE
Komite Pemantau Risiko melakukan rapat rutin minimal The Risk Oversight Committee holds at least 4 (four)
4 (empat) kali dalam setahun dan non rutin/luar regular meetings a year and extraordinary meeting if
biasa bila diperlukan. Rapat Komite Pemantau Risiko necessary. The Risk Oversight Committee meeting is
dipimpin oleh Ketua. Dalam hal Ketua berhalangan chaired by the Chairman. If the Chairman is unable to
hadir, maka rapat dipimpin oleh Wakil Ketua. attend, the meeting shall be chaired by the Vice Chairman.
Pada tahun 2021, Komite Pemantau Risiko telah In 2021, the Risk Oversight Committee held 4 (four)
menyelenggarakan rapat sebanyak 4 (empat) kali. meetings. All meetings was declared valid and all
Seluruh Rapat yang dilaksanakan telah dinyatakan sah meeting results was stated and well documented in the
dan seluruh hasil rapat juga telah dinyatakan dalam minutes of meeting.
risalah rapat dan didokumentasikan dengan baik.
Frekuensi Kehadiran Rapat Komite Pemantau Risiko Tahun 2021

Frequency of Attendance at Risk Oversight Committee Meetings in 2021
Nama Jabatan Kehadiran Jumlah Kehadiran Kehadiran %

Name Position Attendance Total Attendance Percentage
Ketua
Chairman
Wakil Ketua
Vice Chairman
Anggota
Member
Anggota
Member
Anggota
Member
Anggota
Emmanuel Bambang Suyitno 4 4 100
Member

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Komite di Bawah Direksi

Committee Under Board of Directors
Dalam rangka mendukung efisiensi dan efektivitas In order to support the efficiency and effectiveness
pelaksanaan tugas, Direksi dibantu Komite maupun of duties implementation, the Board of Directors
Satuan kerja yang secara struktural berada di bawahnya is assisted by committees and work units that are
yaitu Komite Manajemen Risiko, Komite Produk dan structurally under it, namely the Risk Management
Pengembangan Kegiatan Usaha Syariah, Komite Committee, Sharia Product and Business Development
Pengarah Teknologi Informasi, Sekretaris Perusahaan Committee, Information Technology Steering
dan Audit Internal. Committee, Corporate Secretary, and Internal Audit.

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Risk Management Committee
Komite Manajemen Risiko dibentuk dengan tujuan The establishment of Risk Management Committee aims
untuk melakukan pengelolaan risiko di lingkungan to manage risk within the Company and to anticipate
Perseroan sekaligus untuk mengantisipasi potensi risiko potential risks that could hinder the achievement of
yang dapat menghalangi tercapainya visi, misi dan the Company’s vision, mission and objectives. Thus,
tujuan Perseroan. Dengan demikian, Perseroan dapat the Company can carry out anticipatory policies to
melakukan kebijakan antisipatif untuk mengurangi reduce the possible impact of these risks and can
kemungkinan dampak risiko tersebut, sekaligus seize opportunities thus all potential risks related to
bisa memanfaatkan peluang yang ditimbulkan agar the Company’s management can be identified and
seluruh potensi risiko yang terkait dengan pengelolaan measured.
Perseroan dapat diidentifikasi dan diukur.
Untuk memitigasi potensi risiko yang mungkin timbul To mitigate the potential risks, the Board of Directors
tersebut, Direksi telah membentuk Komite Manajemen has established a Risk Management Committee with
Risiko yang berfungsi memfasilitasi aktifitas pemantauan the function to facilitate monitoring and evaluate the
serta mengevaluasi sistem manajemen risiko Perseroan Company’s risk management system on an ongoing
secara berkelanjutan. Komite Manajemen Risiko juga basis. The Risk Management Committee also plays a
berperan memastikan ketepat tanggapan manajemen role in ensuring the correct management response
terhadap temuan dan rekomendasi dari auditor internal, to the findings and recommendations of the internal
auditor eksternal serta regulator beserta tingkat auditors, external auditors and regulators as well as the
efektivitas dari tindak lanjut terhadap temuan. level of effectiveness of the follow-up to the findings.
STRUKTUR DAN KEANGGOTAAN KOMITE MANAJEMEN STRUCTURE AND MEMBERSHIP OF RISK MANAGEMENT
RISIKO COMMITTEE
Berikut komposisi keanggotaan Komite Manajemen According to the Risk Management Committee Charter,
Risiko Perseroan berdasarkan Piagam Komite Manajemen the composition of Risk Management Committee as of
Risiko tanggal 20 Desember 2021: December 20, 2021 is as follows:

Keanggotaan Membership
1. Komite Manajemen Risiko bersifat nonstruktural, 1. The Risk Management Committee is non-structural
dimana anggotanya merupakan bagian dari organ, that its members are part of the structure of
struktur yang terdapat dalam Perseroan. the Company.
2. Komite Manajemen Risiko bertanggung jawab 2. The Risk Management Committee is responsible to
kepada Direksi Perseroan. the Company's Board of Directors.
3. komposisi anggota Komite Manajemen Risiko 3. The composition of the members of the Risk
terdiri dari: Management Committee consists of:
a. Anggota Tetap: a. Permanent member:
i. Seluruh anggota Direksi Perseroan. i. All members of the Company's Board of
Directors.
ii. Risk Management Division Head. ii. Head of Risk Management Division.
b. Anggota tidak tetap b. Non-permanent member
Pejabat satu tingkat dibawah Direksi lainnya selain Officials who are one level below the Board of
pejabat yang disebutkan pada angka 3 huruf a.ii Directors except the officials mentioned in 3 a.ii
di atas yang keanggotaannya bersifat tidak tetap above whose membership is not permanent
didasarkan atas undangan Komite Manajemen based on the invitation of the Risk Management
Risiko sesuai dengan topik yang dibahas dan/atau Committee in accordance with the topics discussed
direkomendasikan dalam komite tersebut. and/or recommended in the committee.

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4. Anggota Komite Manajemen Risiko yang 4. The member of the Risk Management Committee
merupakan Presiden Direktur Perseroan bertindak who is the President Director of the Company acts as
sebagai Ketua Komite Manajemen Risiko the Chairman of the Risk Management Committee
dan anggota Direksi yang membawahi fungsi and the members of the Board of Directors in
Manajemen Risiko bertindak sebagai Wakil Ketua charge of the Risk Management function act as the
Komite Manajemen Risiko. Vice Chairman of the Risk Management Committee.
5. Untuk memperlancar pelaksanaan tugas Komite 5. To facilitate the implementation of the Risk
Manajemen Risiko, maka Komite Manajemen Risiko Management Committee's duties, the Risk Management
berhak menunjuk dan menetapkan salah satu Committee has the right to appoint and assign one
anggota tetap Komite Manajemen Risiko sebagai of the permanent members of the Risk Management
Sekretaris Komite Manajemen Risiko berdasarkan Committee as the Secretary of the Risk Management
keputusan komite yang ditandatangani oleh Committee based on the committee's decision signed
anggota tetap Komite Manajemen Risiko Perseroan by the permanent members of the Company's Risk
yang memiliki hak suara. Management Committee who have voting rights.
6. Persyaratan keanggotaan: 6. Membership requirements:
a. Dewan Komisaris Perseroan dilarang menjadi a. The Company's Board of Commissioners is
anggota Komite Manajemen Risiko. prohibited from being a member of the Risk
Management Committee.
b. Setiap anggota Komite Manajemen Risiko b. Each member of the Risk Management
wajib memiliki integritas, akhlak dan moral Committee is required to have good integrity,
yang baik. character and morals.
KEPUTUSAN KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE DECISION
Keputusan Komite Manajemen Risiko diambil melalui The decisions of the Risk Management Committee
Rapat berdasarkan mekanisme musyawarah mufakat. are taken through a meeting based on a consensus
Risalah rapat Komite Manajemen Risiko merupakan mechanism. Minutes of the Risk Management
hasil keputusan yang sah untuk kemudian diedarkan Committee meeting are the result of a valid decision to
kepada Direksi dan unit kerja terkait. Keputusan dalam be circulated to the Board of Directors and related work
Risalah Rapat tersebut bersifat sah dan mengikat units. The decisions in the Minutes of Meeting are valid
semua anggota baik yang hadir maupun yang tidak and binding on all members, both present and absent.
hadir. Apabila diperlukan maka keputusan Komite If necessary, the decision of the Risk Management
Manajemen Risiko dapat ditindaklanjuti dengan Surat Committee can be followed up with a Policy Letter and/
Kebijakan dan/atau memorandum oleh unit kerja yang or memorandum by the responsible work unit.
bertanggung jawab.
TUGAS DAN TANGGUNG JAWAB KOMITE MANAJEMEN DUTIES AND RESPONSIBILITIES OF RISK MANAGEMENT
RISIKO COMMITTEE
Berikut uraian tugas dan tanggung jawab Komite The following list is a description of the duties and
Manajemen Risiko: responsibilities of the Risk Management Committee:
1. Menyetujui kebijakan manajemen risiko dan 1. Approve the risk management policy and its
perubahan-perubahannya, termasuk strategi changes, including the framework strategy, risk
kerangka kerja, metodologi dan tools pengelolaan management methodologies and tools, work plans
risiko, rencana-rencana kerja, serta memastikan and ensure their implementation in the Company;
pengimplementasiannya di Perseroan;

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2. Menyetujui tindakan strategis yang timbul dari 2. Approve strategic actions arising from external
peraturan eksternal yang berdampak terhadap regulations that impact risk management practices;
praktik manajemen risiko;
3. Menyetujui langkah-langkah perbaikan untuk 3. Approve corrective measures for risk issues
masalah risiko yang menjadi perhatian Otoritas that become a concern to the Financial Services
Jasa Keuangan; Authority;
4. Menyetujui produk pembiayaan baru dan 4. Approve new financing products and services;
layanannya;
5. Melakukan kajian terhadap risiko Perseroan secara 5. Conduct a review of the Company’s overall risk,
keseluruhan, termasuk eksposur atas kredit secara including exposure to credit on a regular basis and
berkala dan memastikan bahwa eksposur dikelola ensure that the proper management of exposure;
dengan baik;
6. Menetapkan koreksi atau ratifikasi atas keputusan 6. Establish correction or ratification of business
bisnis yang menyimpang dari prosedur normal; decisions that deviate from normal procedures;
7. Membangun budaya manajemen risiko pada 7. Build a risk management culture at all levels of the
seluruh tingkat organisasi. organization.
FREKUENSI DAN KEHADIRAN RAPAT MEETING FREQUENCY AND ATTENDANCE
Komite Manajemen Risiko melakukan rapat rutin The Risk Management Committee holds at least 4 (four)
minimal 4 (empat) kali dalam setahun dan non-rutin/ regular meetings a year and extraordinary meetings
luar biasa bila diperlukan. Rapat ini dipimpin oleh are held if necessary. This meeting is chaired by the
Ketua. Dalam hal Ketua berhalangan hadir, maka rapat Chairman. If the Chairman is unable to attend, the
dipimpin oleh Wakil Ketua. meeting shall be chaired by the Vice Chairman.
Pada tahun 2021, Komite Manajemen Risiko telah In 2021, the Risk Management Committee held
menyelenggarakan rapat sebanyak 11 (sebelas) kali. 11 (eleven) meetings. All meetings have been declared
Seluruh Rapat yang dilaksanakan telah dinyatakan sah valid and all results of RMC meetings have also been
dan seluruh hasil rapat RMC juga telah dinyatakan dalam stated and well documented in the minutes of the
risalah rapat dan didokumentasikan dengan baik. meeting.

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Komite Produk dan Pengembangan

Kegiatan Usaha Syariah
Sharia Product and Business Development Committee
Komite Produk dan Pengembangan Kegiatan Usaha As the Board of Directors’ supporting committee, the
Syariah (“Komite”) merupakan komite pendukung Sharia Product and Business Development Committee
Direksi yang bertugas mengembangkan produk (“the Committee”) is tasked with developing sharia-
dan kegiatan usaha berdasarkan prinsip syariah. based products and business activities. The guidelines
Pedoman berkenaan dengan tugas dan tanggung with reference to the Committee’s duties and
jawab Komite dijabarkan di dalam Piagam Komite responsibilities are set out in the Company's Sharia
Produk dan Pengembangan Kegiatan Usaha Syariah Product and Business Development Committee Charter
Perseroan (“Piagam”). Dalam melaksanakan tugasnya, (“the Charter”). All members of the Committee are
anggota Komite diwajibkan bertindak independen required to perform their duties independently and
dan diharapkan selalu menjaga sikap independensinya maintain their independence.
tersebut.
PROFIL KOMITE PRODUK DAN PENGEMBANGAN SHARIA PRODUCT AND BUSINESS DEVELOPMENT
KEGIATAN USAHA SYARIAH COMMITTEE PROFILE
Komite Produk dan Pengembangan Kegiatan Usaha The Sharia Product and Business Development Committee
Syariah paling sedikit terdiri dari 3 (tiga) orang anggota, is composed of at least 3 (three) members: 1 (one) of whom
1 (satu) orang sebagai ketua dengan menjabat sebagai acts as chairman serving as the head of the Company’s
pimpinan Unit Usaha Syariah Perseroan dan 2 (dua) Sharia Business. Meanwhile, 2 (two) or more members can
orang atau lebih dapat berasal dari luar Perseroan come from outside the Company’s organization or can be
atau pihak yang menjabat di bawah Direksi yang parties serving under the Board of Directors in charge of
membidangi Manajemen Risiko dan/atau Marketing. the Risk Management and/or Marketing.
Masa jabatan anggota Komite dianggap efektif The Committee’s member’s term of office is effectively in
setelah resmi dilantik oleh Direksi Perseroan tanpa force after being officially inaugurated by the Company’s
mengurangi hak dan wewenang Direksi Perseroan Board of Directors, without prejudice to the Board’s rights
dalam mengganti dan memberhentikan anggota and authorities in terminating and replacing members of
Komite sebelum masa jabatan berakhir. the Committee prior to ending the term of office.
Komposisi anggota Komite berdasarkan Surat Based on the Decree of the Board of Directors dated
Keputusan Direksi pada tanggal 16 Juli 2021 adalah July 16, 2021, the composition of the Committee
sebagai berikut: members is as follows:
Nama Jabatan
Name Position
Ketua
M. Chandra Furkan
Chairman
Anggota
Herwin
Member
Anggota
Andri Setiawan
Member

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M. Chandra Furkan : Ketua M. Chandra Furkan : Chairman

Profil mengenai beliau tersedia di Bab Profil Pejabat His profile is available in Senior Management Profile
Senior. section.
Herwin: Anggota Herwin: Member

Senior. section.
Andri Setiawan: Anggota Andri Setiawan: Member

Senior. section.
TUGAS DAN TANGGUNG JAWAB KOMITE PRODUK DAN SHARIA PRODUCT AND BUSINESS DEVELOPMENT
PENGEMBANGAN KEGIATAN USAHA SYARIAH COMMITTEE DUTIES AND RESPONSIBILITIES
Komite bertanggung jawab dalam memenuhi tugas dan The Committee, which is to assist the Board of Directors,
tanggung jawabnya dalam membantu kinerja Direksi. has the following duties and responsibilities as stated in
Tugas dan tanggung jawab tersebut telah disesuaikan the Charter:
dengan Piagam dan dijabarkan sebagai berikut:
1. Mengkaji dan menganalisis pengembangan produk 1. Review and analyze the development of new sharia
atau kegiatan usaha syariah baru yang akan products to be launched or the implementation of
dijalankan dan diluncurkan; new business activities ;
2. Mengevaluasi dan menyempurnakan setiap produk 2. Evaluate and improve the Company's sharia
atau kegiatan usaha syariah Perseroan; products and business activities;
3. Merekomendasikan dan memberikan saran kepada 3. Provide recommendations and advice to the Board
Direksi terkait aspek pemasaran dan pemenuhan of Directors concerning aspects of marketing and
prinsip syariah dan pengelolaan risiko; compliance by taking into account sharia principles
and risk management;
4. Mengusulkan dan merumuskan capaian kerja 4. Propose and formulate monthly and annual work
bulanan dan tahunan menggunakan prinsip-prinsip targets by taking into account sharia principles;
syariah;
5. Mengakses dokumen, data dan informasi 5. Access documents, data and information related to
terkait produk-produk yang dibutuhkan dalam the products, as stated in the Charter;
melaksanakan tugas sesuai dengan yang dimaksud
di dalam Piagam;
6. Meminta bantuan pihak independen di luar 6. Request assistance from independent parties
anggota Komite dalam melaksanakan tugas melalui outside of the Committee's membership with the
persetujuan Direksi; dan approval of the Board of Directors; and
7. Melakukan tugas lain sesuai arahan Direksi dengan 7. Perform other duties following the direction of
tetap tunduk dan menghormati ketentuan dan the Board of Directors while complying with the
peraturan perundang-undangan yang berlaku. applicable laws and regulations.

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PERNYATAAN INDEPENDENSI KOMITE PRODUK DAN SHARIA PRODUCT AND BUSINESS DEVELOPMENT
PENGEMBANGAN KEGIATAN USAHA SYARIAH COMMITTEE STATEMENT OF INDEPENDENCE
Seluruh anggota Komite Produk dan Pengembangan All members of the Company's Sharia Product and
Kegiatan Usaha Syariah Perseroan dalam melaksanakan Business Development Committee have declared
tugas dan tanggung jawabnya berkomitmen melaksanakan their independence in performing their duties and
ketentuan dalam POJK Nomor 10 POJK.05/2019 tanggal 26 responsibilities while maintaining their independent
Februari 2019 tentang Penyelenggaraan Usaha Perusahaan status. The members do not take personal benefits,
Pembiayaan Syariah Dan Unit Usaha Syariah Perusahaan directly or indirectly, from the Company's activities
Pembiayaan. Anggota Komite juga berkomitmen tidak except their legitimate income. This independence
mengambil keuntungan pribadi, langsung maupun tidak statement is pursuant to the provisions as stated in
langsung dari kegiatan Perseroan di luar penghasilan yang POJK Number 10/POJK.05/2019 dated February 26, 2019
sah. Perseroan akan menyatakan komitmen independensi concerning Business Operations of Sharia Financing
anggota Komite Produk dan Pengembangan Kegiatan Companies and Sharia Business Units of Financing
Usaha Syariah secara tertulis pada masa mendatang. Companies.
RAPAT KOMITE DAN RISALAH RAPAT 2021 COMMITTEE MEETINGS AND MINUTES OF MEETINGS IN 2021
Berdasarkan Piagam Komite Produk dan Pengembangan With reference to its Charter, the Sharia Product and
Kegiatan Usaha Syariah, rapat Komite dapat dilaksanakan Business Development Committee shall conduct at least 1
sekurang-kurangnya 1 (satu) kali dalam 6 (enam) bulan. (one) meeting within 6 (six) months. A meeting can also be
Rapat Komite bisa berjalan dengan syarat memenuhi held based on special circumstances, with the attendance
kuota kehadiran setengah dari jumlah anggota Komite. quota of half of the Committee's total members present.
Dalam kondisi dan situasi yang luar biasa seperti pandemi, In an unprecedented pandemic condition, meetings are
rapat dapat diselenggarakan secara virtual dengan tetap held virtually while still complying with the provisions
memenuhi ketentuan terkait jumlah kehadiran dan regarding the number of attendance and the number
jumlah rapat berdasarkan Piagam Komite Produk dan of meetings based on the Product and Sharia Business
Pengembangan Kegiatan Usaha Syariah. Activity Development Committee Charter.
Keputusan rapat Komite Produk dan Pengembangan The decisions of the Sharia Product and Business Activity
Kegiatan Usaha syariah diambil berdasarkan musyawarah Development Committee meeting are taken based
untuk mufakat dan hasil rapat Komite wajib dituangkan on deliberation to reach consensus and the results of
dalam risalah rapat dan didokumentasikan secara baik. the Committee meeting must be stated and properly
documented in the minutes of the meeting.
Pelaksanaan Rapat Komite Tahun 2021 Implementation of Committee Meetings in 2021

Name Position Attendance Number of Meetings Attendance
Ketua Komite
Novantoro Eko Wibowo*) 1 1 100
Committee Chairman
Ketua Komite
M. Chandra Furkan 1 1 100
Committee Chairman
Anggota Komite
Herwin 2 2 100
Committee Member
Anggota Komite
Andri Setiawan 2 2 100
Committee Member
*) Telah mengundurkan diri dari Perseroan

*) Resigned from the Company

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Agenda Rapat Komite Committee Meetings Agenda

Agenda
Date Participants
Komite Produk dan Pengembangan Penyampaian ke OJK Rencana Produk

03 Februari 2021 Kegiatan Usaha Syariah Pembiayaan Logam Mulia “MasKu”
February 03, 2021 Sharia Product and Business Development Submission to the OJK, the Company’s Prouct
Committee Plan of Financing Gold called “MasKu”
Komite Produk dan Pengembangan Pembahasan Pengembangan Produk
29 Desember 2021 Kegiatan Usaha Syariah MasKu secara Cover dan Strategy Direct
December 29, 2021 Sharia Product and Business Development Discussion on “MasKu” Product Development,
Committee briefly and strategically direct.
PELAKSANAAN TUGAS KOMITE IMPLEMENTATION OF COMMITTEE DUTIES
Selama tahun 2021, Komite Produk dan Pengembangan Throughout 2021, the Sharia Product and Business
Kegiatan Usaha Syariah telah memenuhi seluruh Development Committee fulfilled its duties and
tugas dan fungsinya dalam membantu Direksi functions, to assist the Board of Directors in
mengembangkan produk dan kegiatan usaha berbasis developing sharia-based products and business
syariah. Setiap fungsi dan tanggung jawab yang Komite activities. In exercising its functions and carrying out
lakukan telah sesuai dengan ketentuan yang berlaku its responsibilities, the Committee acts in accordance
dan memenuhi aturan-aturan yang berada di dalam with applicable legislation and regulations stated in
Piagam Komite Produk dan Pengembangan Kegiatan the Charter.
Usaha Syariah.

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Komite Pengarah Teknologi Informasi

Information Technology Steering Committee
Komite Pengarah Teknologi Informasi telah dibentuk The Information Technology Steering Committee was
berdasarkan Surat Keputusan Direksi Nomor 105/SK/ established in accordance with Board of Directors Decree
IT- CQA/11-21 pada tanggal 22 November 2021. Komite Number 105/SK/IT-CQA/11-21 dated November 22,
Pengarah Teknologi Informasi dibentuk sebagai 2021. The Information Technology Steering Committee
wujud komitmen Direksi dalam mengembangkan is formed as a comitment of Board of Director, to
dan mempercepat alih teknologi informasi untuk accelerate IT development to improve the Company’s
meningkatkan kinerja Perseroan, dan mematuhi performance and comply with the applicable laws and
ketentuan dan peraturan perundang-undangan yang regulations. The Committee refers to the Information
berlaku. Komite Pengarah Teknologi Informasi mengacu Technology Steering Committee Charter as a working
kepada Piagam Komite Pengarah Teknologi Informasi guideline in carrying out its duties and responsibilities.
sebagai pedoman kerja dalam memenuhi tugas dan In carrying out its duties and responsibilities. The
tanggung jawabnya. Dalam melaksanakan tugasnya, Committee is directly responsible to the Company's
Komite Pengarah Teknologi Informasi bertanggung Board of Directors.
jawab langsung kepada Direksi Perseroan.
PROFIL KOMITE PENGARAH TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY STEERING COMMITTEE

PROFILE
Komposisi Komite Pengarah Teknologi Informasi The Information Technology Steering Committee
sedikitnya beranggotakan 1 (satu) Presiden Direktur constitutes at least 1 (one) President Director as the
sebagai Ketua, lalu masing-masing anggota dengan Chairperson, while each member shall possess the
kualifikasi jabatan: following qualifications:
1. Direktur yang membawahi satuan kerja 1. Director overseeing the Company's information
penyelenggara teknologi informasi Perseroan; technology work unit;
2. Direktur atau pejabat yang membawahi bagian 2. Director or officer in charge of the Company’s Risk
Manajemen Risiko Perseroan; Management;
3. Pejabat tertinggi yang membawahi satuan kerja 3. The highest official leading the Company's
penyelenggara teknologi informasi Perseroan; dan information technology work unit; and
4. Pejabat tertinggi yang membawahi satuan kerja 4. The highest official overseeing the Company's
pengguna teknologi informasi Perseroan. information technology users work unit.
Pejabat tertinggi yang dipilih menjadi anggota One of the highest officials elected in the Committee
Komite Pengarah Teknologi Informasi salah satu membership is subject to be appointed as Secretary of
akan diangkat sebagai Sekretaris Komite Pengarah the Information Technology Steering Committee. Each
Teknologi Informasi. Seluruh anggota Komite Pengarah member’s term of office is effective after the member is
Teknologi Informasi mendapatkan masa tugas yang officially appointed by the Company’s Board of Directors.
berlaku efektif setelah resmi diangkat oleh Direksi The legal appointment is done without prejudice to
Perseroan, tanpa mengurangi hak dan wewenang the Board’s rights and authorities in terminating and/or
Direksi Perseroan dalam memberhentikan dan/atau replacing members of the Committee prior to the end
menggantikan anggota Komite Pengarah Teknologi of their term of office.
Informasi sebelum masa jabatan berakhir.

.05 .06 .07
Komposisi anggota Komite Pengarah Teknologi The composition of the Information Technology
Informasi berdasarkan Surat Keputusan Direksi Nomor Steering Committee members based on Board of
105/SK/IT-CQA/11/21 pada tanggal 22 November 2021, Directors Decree Number 105/SK/IT-CQA/11/21 dated
adalah sebagai berikut: November 22, 2021. The membership composition is as
follows:
Djaja Suryanto Sutandar: Ketua Djaja Suryanto Sutandar: Chairman

Profil mengenai beliau tersedia di Bab Profil Direksi. His profile is available in Board of Directors Profile section.
Anthony Yuarez Panggabean: Anggota Anthony Yuarez Panggabean: Member

Njauw Vido Onadi: Anggota Njauw Vido Onadi: Member

Wibowo: Anggota Wibowo: Member

Cincin Lisa Hadi: Anggota Cincin Lisa Hadi: Member

Profil mengenai beliau tersedia di Bab Profil Pejabat Her profile is available in Senior Management Profile
Senior. section.
Felix Priscellius: Anggota merangkap Sekretaris Felix Priscellius: Member concurrent Secretary
Senior. section.
Joshua Herjendra Mursita Pramujia: Anggota Joshua Herjendra Mursita Pramujia: Member
Senior. section.
Jimmy Sutrisno: Anggota Jimmy Sutrisno: Member

Senior. section.
Panji Dwisatia Munajat: Anggota Panji Dwisatia Munajat: Member

Senior. section.
Rina Mayangsari: Anggota Rina Mayangsari: Member

Profil mengenai beliau tersedia di Bab Profil Pejabat Her profile is available in Senior Management Profile
Senior. section.

.01 .02 .03 .04
TUGAS DAN WEWENANG KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING COMMITTEE
INFORMASI DUTIES AND AUTHORITIES
Sepanjang tahun 2021, Komite Pengarah Teknologi Throughout 2021, the Information Technology Steering
Informasi telah melakukan setiap tugas dan Committee, which is directly responsible to the Board
wewenangnya dalam memenuhi tanggung jawabnya of Directors, implemented its duties and authorities to
secara langsung kepada Direksi dalam rangka develop information technology infrastucture.
mengembangkan infrastruktur teknologi informasi.
Uraian pelaksanaan tugas Komite dijabarkan sebagai The Committee's duties implemented are as follows:
berikut:
1. Rencana pengembangan teknologi informasi yang 1. Creating the Information technology development
searah dengan rencana kegiatan usaha Perseroan. plan in corresponding with the Company's
Dalam memberikan rekomendasi Komite Pengarah business activity plan. The Committee provides
Teknologi Informasi, memperhatikan faktor recommendations by taking into account efficiency
efisiensi, efektivitas serta hal-hal sebagai berikut: and effectiveness related factors, as well as the
following matters:
- Rencana pelaksanaan (roadmap) untuk - Roadmap to find the needs of information
mencapai kebutuhan teknologi informasi yang technology that can support the Company's
mendukung strategi bisnis Perseroan. Road business strategy. This road map consists of the
map terdiri dari kondisi saat ini (current state), current and future states and steps to be taken
kondisi yang ingin dicapai (future state) serta to reach the future state.
langkah-langkah yang akan dilakukan untuk
mencapai future state.
- Sumber daya yang dibutuhkan. - Required resources.
- Keuntungan/manfaat yang akan diperoleh saat - Benefits that will be obtained upon the
rencana diterapkan. execution of the plan.
- Kendala yang mungkin timbul dalam penerapan - onstraints that may arise in the execution of the
rencana pengembangan teknologi informasi. development plan.
2. Perumusan kebijakan dan prosedur teknologi 2. Formulating information technology policies and
informasi. procedures.
3. Kesesuaian proyek-proyek teknologi informasi 3. Conforming the approved information technology
yang disetujui dengan rencana pengembangan projects with the development plan. The
teknologi informasi. Komite Pengarah Teknologi Committee furthermore set the priority status of
Informasi juga menetapkan status prioritas critical projects or those having a significant impact
proyek teknologi informasi yang bersifat kritikal on the Company's operational activities. Examples
(berdampak signifikan terhadap kegiatan include, among others, changing the core system
operasional Perseroan) misalnya pergantian core and network topology.
system dan topologi jaringan.

.05 .06 .07
4. Kesesuaian pelaksanaan proyek-proyek teknologi 4. Ensuring the information technology projects were
informasi dengan proyek teknologi informasi yang implemented as conformed to the approved ones.
disetujui.
5. Kesesuaian teknologi informasi dengan kebutuhan 5. Ensuring the suitability of information technology
sistem informasi manajemen serta kebutuhan with the needs of management information systems
kegiatan usaha Perseroan. and the Company's business activities.
6. Efektivitas mitigasi risiko atas investasi Perseroan 6. Ensuring the effectiveness of risk mitigation on the
pada sektor teknologi informasi yang memberikan Company's investment in information technology
kontribusi terhadap pencapaian tujuan bisnis for the better achievement of the Company's
Perseroan. business objectives.
7. Pemantauan atas kinerja teknologi informasi dan 7. Monitoring information technology performance
upaya peningkatan kinerja teknologi informasi. and efforts for improvements.
8. Upaya penyelesaian berbagai masalah terkait 8. Endeavoring to resolve various information
teknologi informasi yang tidak dapat diselesaikan technology-related problems that cannot be
oleh satuan kerja pengguna dan penyelenggara resolved, effectively, efficiently and promptly, by
teknologi informasi secara efektif, efisien dan tepat work units of information technology and users.
waktu.
9. Kecukupan dan alokasi sumber daya teknologi 9. Adequacy and allocation of the Company’s
informasi yang dimiliki Perseroan. information technology resources.
Dalam menjalankan tugas dan tanggung jawabnya, The following are the authorities of the Information
Komite Pengarah Teknologi Informasi mempunyai Technology Steering Committee in performing its
wewenang sebagai berikut: duties and responsibilities:
1. Mengakses dokumen, data dan informasi tentang 1. Accessing the Company’s information technology-
teknologi informasi Perseroan terkait dengan related documents and data.
pelaksanaan tugasnya.
2. Komite Pengarah Teknologi Informasi dapat 2. If needed, the Committee can involve independent
melibatkan pihak independen di luar anggota parties, outside the Committee’s membership
Komite Pengarah Teknologi Informasi untuk composition, with the approval of the Board of
membantu tugasnya (jika diperlukan) dengan Directors.
persetujuan Direksi Perseroan.
3. Melakukan kewenangan lain yang diberikan oleh 3. Enforcing other authorities granted by the
Direksi Perseroan sepanjang kewenangan tersebut Company's Board of Directors as long as there is no
tidak bertentangan dengan peraturan perundang- conflict with the applicable laws and regulations.

.01 .02 .03 .04
PERNYATAAN INDEPENDENSI KOMITE PENGARAH INFORMATION TECHNOLOGY STEERING COMMITTEE

TEKNOLOGI INFORMASI STATEMENT OF INDEPENDENCE
Seluruh anggota Komite Pengarah Teknologi Informasi The Company's Information Technology Steering
Perseroan dalam melaksanakan tugas dan tanggung Committee is an independent and professional entity, as
jawabnya berkomitmen melaksanakan ketentuan POJK stated by all members of the Committee in performing
Nomor 4/POJK.05/2021 tentang Penerapan Manajemen their duties and responsibilities. Their statement is
Risiko Dalam Penggunaan Teknologi Informasi oleh pursuant to POJK Provision Number 4/POJK.05/2021
Lembaga Jasa Keuangan Non Bank. Anggota Komite concerning the Application of Risk Management in the
senantiasa bersikap profesional dalam melaksanakan Use of Information Technology by Non-Bank Financial
tugas dan tanggung jawabnya. Anggota Komite juga Services Institutions. Members of the Committee are
senantiasa bersifat akuntabel dan tidak mengambil also accountable and, directly or indirectly, not taking
keuntungan pribadi baik langsung maupun tidak for personal benefits from the Company's activities
langsung dari kegiatan Perseroan di luar dari except their legitimate income.
penghasilan yang sah. Perseroan akan menyatakan
komitmen independensi anggota Komite Pengarah
Teknologi Informasi secara tertulis pada masa
mendatang.
RAPAT KOMITE DAN RISALAH RAPAT COMMITTEE MEETING AND MINUTES OF MEETING
Berdasarkan Piagam Komite Pengarah Teknologi Based on the Information Technology Steering
Informasi, rapat Komite dapat dilaksanakan sekurang- Committee Charter, the Committee holds minimum
kurangnya 4 (empat) kali dalam 1 (satu) tahun. Jika 4 (four) meetings in a year. The Chairman of the
terdapat peristiwa penting yang memiliki dampak Committee may call for a meeting at any time in the
signifikan terhadap Perseroan, Ketua Komite event of a crucial circumstance that has the potential
dapat mengadakan rapat sewaktu-waktu. Rapat impact on the Company. The Committee’s meeting is
Komite bisa berjalan dengan syarat memenuhi deemed to be official if the attendance quota of more
kuota kehadiran lebih dari 50 (lima puluh) persen than 50 (fifty) percent of the members is met. By a
dari jumlah anggota Komite. Setelah musyawarah consensus decision, the results of the meeting must be
untuk mufakat memutuskan hasil rapat, hasil properly documented and submitted in the form of
tersebut wajib dituangkan dalam bentuk risalah dan meeting minutes. The Information Technology Steering
didokumentasikan secara baik. Komite Pengarah Committee has not held any meeting because the new
Teknologi Informasi belum mengadakan rapat committee was appointed on November 22, 2021
dikarenakan komite baru ditetapkan pada tanggal
22 November 2021.
PELAKSANAAN TUGAS KOMITE PENGARAH TEKNOLOGI IMPLEMENTATION OF INFORMATION TECHNOLOGY

INFORMASI STEERING COMMITTEE DUTIES
Sepanjang tahun 2021, Komite Pengarah Teknologi The Information Technology Steering Committee
Informasi telah melaksanakan seluruh tugas yang throughout 2021 had exercised its duties and
menjadi tanggung jawabnya. responsibilities.

.05 .06 .07
Sekretaris Perusahaan
Corporate Secretary
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
Sesuai Peraturan Otoritas Jasa Keuangan Nomor In accordance with the Financial Services Authority
35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten Regulation Number 35/POJK.04/2014 concerning
atau Perusahaan Publik, Perseroan saat ini telah memiliki Corporate Secretary of Issuers or Public Companies,
Sekretaris Perusahaan. Keberadaan Sekretaris Perusahaan the Company currently has a Corporate Secretary.
pada Perseroan dimaksudkan untuk memastikan The Corporate Secretary in the Company is intended
kelancaran komunikasi antara Perusahaan Publik to ensure smooth communication between the Public
dengan pemangku Kepentingan, serta memastikan Company and its stakeholders and to ensure that the
bahwa Emiten atau Perusahaan Publik senantiasa patuh Issuer or Public Company always complies with the
terhadap peraturan perundang-undangan yang berlaku. applicable laws and regulations.
PROFIL SEKRETARIS PERUSAHAAN CORPORATE SECRETARY PROFILE
Per 31 Desember 2021, Sekretaris Perusahaan dijabat As of December 31, 2021, the Company’s Corporate
oleh Djaja Suryanto Sutandar. Sekretaris Perusahaan Secretary is Djaja Suryanto Sutandar. The Corporate
pada Perseroan berperan sebagai penghubung antara Secretary of the Company acts as a liaison between
Perseroan dengan Otoritas Jasa Keuangan, Bursa Efek the Company and the Financial Services Authority, the
Indonesia, masyarakat dan institusi-institusi terkait Indonesia Stock Exchange, the public and other related
lainnya. Beliau juga berperan untuk memonitor institutions. He also plays a role in monitoring the
kepatuhan Perseroan terhadap peraturan dan ketentuan Company’s compliance with capital market regulations
Pasar Modal dan memastikan pengurus Perseroan and provisions as well as ensuring that the Company’s
memahami perubahan dan implementasinya. management understands the changes and their
implementation.
DASAR HUKUM SEKRETARIS PERUSAHAAN LEGAL BASIS OF CORPORATE SECRETARY
Djaja Suryanto Sutandar, ditunjuk sebagai Sekretaris Djaja Suryanto Sutandar is appointed as Corporate
Perusahaan melalui Surat Keputusan Direksi Nomor Secretary through the Board of Directors Decree
1310/XI/DIR-WOM/2021 tanggal 15 November 2021. Number 1310/XI/DIR-WOM/2021 dated November 15,
Penunjukan dan pengangkatan Sekretaris Perusahaan 2021. The appointment the Corporate Secretary has
tersebut telah dilaporkan kepada OJK dan BEI been reported to OJK and IDX through letter Number
melalui surat Nomor 1311/XI/DIR-WOM/2021 tanggal 1311/XI/DIR-WOM/2021 dated November 16, 2021.
16 November 2021, serta dimuat dalam situs web The appointment is also published on the Company’s
Perseroan www.wom.co.id serta situs web Bursa Efek website www.wom.co.id and the Indonesia Stock
Indonesia pada tanggal 16 November 2021. Exchange website on November 16, 2021.
PERIODE JABATAN SEKRETARIS PERUSAHAAN TERM OF OFFICE OF CORPORATE SECRETARY
Berdasarkan penunjukan di atas, Djaja Suryanto Sutandar Based on the appointment, Djaja Suryanto Sutandar
menjabat sebagai Sekretaris Perusahaan efektif dengan has served as effective Corporate Secretary based on
berlandaskan surat keputusan Direksi Nomor 1310/XI/ the Decree of the Board of Directors Number 1310/XI/
DIR-WOM/2021 tanggal 15 November 2021 sampai ada DIR-WOM/2021 dated November 15, 2021 until there is
perubahan dalam Surat Keputusan Direksi tersebut. a change in the Board of Directors Decree.

.01 .02 .03 .04
PENDIDIKAN DAN PELATIHAN SEKRETARIS PERUSAHAAN CORPORATE SECRETARY EDUCATION AND TRAINING
Informasi mengenai pendidikan dan pelatihan Sekretaris Information regarding the education and training
Perusahan dalam pelatihan untuk pengembangan of the Corporate Secretary to develop competency is
kompetensi, dapat dilihat pada Profil Direksi atas nama presented in the Board of Directors Profile of Djaja
Djaja Suryanto Sutandar pada Laporan Tahunan ini. Suryanto Sutandar in this Annual Report.
TUGAS DAN TANGGUNG JAWAB SEKRETARIS DUTIES AND RESPONSIBILITIES OF CORPORATE

PERUSAHAAN SECRETARY
1. Memberikan saran kepada Direksi tentang isu- 1. Provide advice to the Board of Directors regarding
isu yang berkaitan dengan kepatuhan Perseroan the issues related to the Company’s compliance with
terhadap undang-undang, ketentuan dan prosedur law, rules and procedures as well as regulations that
serta peraturan yang berdampak pada Direksi dan may impact the Board of Directors and corporate
praktik-praktik terbaik tata kelola perusahaan. governance best practices.
2. Bertanggung jawab memberikan saran kepada 2. Provide input to the Board of Directors on their
Direksi mengenai tugas dan kewajiban dalam duties and obligations for the disclosure of their
mengungkapkan kepentingan terkait dampak interests in the securities, conflict of interests that
benturan kepentingan dalam transaksi yang involve the Company, prohibition in securities
melibatkan Perseroan, larangan dalam transaksi transactions and prohibition in disclosure that may
efek dan larangan pengungkapan informasi yang affect pricing.
dapat mempengaruhi harga.
3. Mengikuti perkembangan Pasar Modal khususnya 3. Monitor the Capital Market developments,
peraturan perundang-undangan yang berlaku di particularly the applicable regulations in Capital
Pasar Modal. Market.
4. Membantu Direksi dan Dewan Komisaris dalam 4. Assist the Board of Directors and Board of
pelaksanaan Tata Kelola Perusahaan yang meliputi: Commissioners in the implementation of the
Company’ Good Corporate Governance, including:
- Keterbukaan informasi kepada masyarakat, - Disclosure of information to the public,
termasuk ketersediaan informasi pada Situs including the information availability at the
Website Website
- Penyampaian laporan kepada Otoritas Jasa - Submission of reports to Financial Services
Keuangan Authority
- Penyelenggaraan dan dokumentasi RUPS - Organization and documentation of the GMS
- Penyelenggaraan dan dokumentasi rapat - Organization and documentation of the Board
Direksi dan/atau Dewan Komisaris of Directors and/or the Board of Commissioners
meetings
- Pelaksanaan program orientasi terhadap - Organization of the Company’s orientation
Perseroan bagi Direksi dan/atau Dewan program for the Board of Directors and/or the
Komisaris Board of Commissioners
5. Berperan sebagai penghubung antara Perseroan 5. As a liaison between the Company and Shareholders,
dengan Pemegang Saham, OJK dan Pemangku Financial Services Authority and other Stakeholders.
Kepentingan lainnya.

.05 .06 .07
LAPORAN SINGKAT PELAKSANAAN FUNGSI SEKRETARIS BRIEF REPORT ON THE CORPORATE SECRETARY
PERUSAHAAN FUNCTION IMPLEMENTATION
1. Mengikuti perkembangan Peraturan Pasar Modal 1. Kept up with the Capital Market Regulations
serta memberikan masukan kepada Direksi Development as well as provide input to the Board
maupun Dewan Komisaris khususnya terkait of Directors and Board of Commissioners specifically
dengan peraturan terbaru dari otoritas Pasar Modal related to new regulations from the Capital Market
maupun dari Otoritas Jasa Keuangan. regulators or the Financial Services Authority.
2. Menyelenggarakan RUPST dan RUPSLB yang 2. Organized the AGMS and the EGMS both held
keduanya diselenggarakan 30 Maret 2021 serta on March 30, 2021 and properly documented the
mendokumentasikan risalah rapat, akta-akta meeting minutes, GMS deeds and other matters
RUPS beserta hal-hal lain yang terkait dengan related to the organization of AGMS and EGMS.
pelaksanaan RUPST dan RUPSLB tersebut.
3. Menyelenggarakan dan menghadiri Rapat Dewan 3. Organized and attended the Board of Directors
Komisaris dan/atau Rapat Direksi. and/or Board of Commissioners Meetings.
4. Mempersiapkan dan mendokumentasikan Risalah 4. Prepared and documented the Minutes of
Rapat Direksi dan/atau Risalah Rapat Dewan Meetings of the Board of Directors and/or Minutes
Komisaris serta mendokumentasikan risalah-risalah of Meetings of the Board of Commissioners and
Rapat tersebut. document them.
5. Me-review website Perusahaan dan memberikan 5. Reviewed the Company's website and provide input
masukan terkait informasi yang harus diungkapkan on disclosure of information to the public.
kepada publik.
6. Menyelenggarakan Paparan Publik pada 6. Organized Public Expose on November 3, 2021
3 November 2021 guna memenuhi kewajiban to fulfill the obligation to submit information
penyampaian informasi kepada publik berdasarkan to the public based on the decision of the Board
keputusan Direksi PT Bursa Efek Indonesia of Directors of the Indonesia Stock Exchange
Kep-00015/BEI/01-2021 Perubahan Peraturan Kep-00015/BEI/01-2021 concerning amendment to
Nomor I-E Tentang Kewajiban Penyampaian Regulation Number I-E on Information Submission
Informasi. Obligation.
7. Melaksanakan keterbukaan informasi Perseroan 7. Carried out information disclosure to the public by
kepada masyarakat dengan menyediakan informasi providing information at the website and reported
melalui website dan menyampaikan laporan every material information to Bursa Efek Indonesia
kepada Bursa Efek Indonesia maupun Otoritas Jasa and the Financial Services Authority, which are
Keuangan terkait setiap informasi bersifat material predicted may influence the investors or securities
yang diperkirakan dapat mempengaruhi pemodal pricing at the stock exchange.
atau harga efek di Bursa.

.01 .02 .03 .04
HUBUNGAN DENGAN INVESTOR INVESTOR RELATION
Dalam rangka memenuhi prinsip Perseroan yang mudah In order to fulfill the Company’s easy and transparent
dan transparan, dengan menjaga hubungan baik antara principles, by maintaining good relations between the
Perseroan dengan investor, regulator dan para pemangku Company and investors, regulators and other stakeholders,
kepentingan lainnya, Perseroan telah membentuk divisi the Company has established a division that specifically
yang secara khusus mengelola hal-hal terkait hubungan manages matters related to investor relations, namely
investor, yaitu Divisi Financial Planning and Investor the Financial Planning and Investor Relation Division.
Relation. Secara berkala Perseroan menyampaikan The Company periodically submits financial statement
informasi laporan keuangan melalui situs resmi information through the official website www.wom.co.id.
www.wom.co.id. Melalui website, Perseroan On the website, the Company provides material related to
menyediakan materi terkait kinerja bisnis perseroan the company’s business performance that can be viewed
yang dapat dilihat dan diunduh oleh calon investor. and downloaded by potential investors.
Selain itu, Perseroan juga memfasilitasi berbagai In addition, the Company facilitates various information
layanan informasi terkait investor. Di antaranya services related to investors. These include face-to-face
melalui pertemuan secara langsung, konferensi meetings, telephone conferences, correspondence
telepon, korespondensi melalui surat elektronik, via electronic mail and direct visits. Correspondence
serta kunjungan langsung. Korespondensi melalui via electronic mail can be sent to the address
surat elektronik dapat dilakukan melalui alamat corporate_secretary@wom.co.id.
corporate_secretary@wom.co.id.
Sebagai bagian dari kewajiban Perseroan sebagai As part of the Company’s obligations as a Public
perusahaan Publik, Perseroan telah melaksanakan Company, the Company held a Public Expose on
Paparan Publik (Public Expose) pada tanggal 3 November November 3, 2021. Shareholders, stock analysts and
2021. Public Expose ini dihadiri oleh pemegang saham, representatives of banks that have cooperation
analis saham dan perwakilan Bank-Bank yang memiliki agreements with the Company attended this Public
perjanjian kerjasama dengan Perseroan. Expose.

.05 .06 .07
Audit Internal
Internal Audit
Kegiatan audit internal Perseroan dilakukan oleh Unit The Company’s internal audit activities are carried out
Audit Internal. Fungsi Audit Internal juga merupakan by the Internal Audit Unit. The Internal Audit function
bagian dari upaya Perusahaan dalam rangka is also part of the Company’s efforts to strengthen the
memperkuat penerapan praktik GCG khususnya pada implementation of GCG practices, especially in the
aspek akuntabilitas. accountability aspect.
Dalam melaksanakan perannya, Unit Audit Internal In carrying out its role, the Internal Audit Unit is always
selalu diposisikan sebagai mitra strategis yang dapat positioned as a strategic partner who can be trusted by
dipercaya oleh manajemen, bekerja secara profesional, management. This unit works professionally, objectively
objektif dan independen. Unit Audit Internal and independently. The Internal Audit Unit assists the
membantu Presiden Direktur dalam menilai efektivitas President Director in assessing the effectiveness of the
sistem pengendalian internal, pengelolaan risiko internal control system, risk management and corporate
dan proses tata kelola perusahaan serta memberikan governance processes. It also provides suggestions for
saran perbaikan. Selain itu, Unit Audit Internal juga improvement. In addition, the Internal Audit Unit assists
membantu Dewan Komisaris melalui Komite Audit the Board of Commissioners through the Audit Committee
dalam menjalankan fungsi pengawasan. in carrying out its supervisory function.
Dalam melaksanakan tugasnya, Unit Audit Internal In carrying out its duties, the Internal Audit Unit is
berpedoman dengan Piagam Audit Internal yang telah guided by the Internal Audit Charter that the Company
disusun Perseroan sesuai peraturan OJK. has arranged in accordance with OJK regulations.
PIHAK YANG MENGANGKAT DAN MEMBERHENTIKAN THE PARTY APPOINTING AND DISMISSING THE HEAD OF
KEPALA UNIT AUDIT INTERNAL THE INTERNAL AUDIT UNIT
Kepala Unit Audit Internal diangkat dan diberhentikan, The Head of the Internal Audit Unit is appointed and
serta bertanggung jawab langsung kepada Presiden dismissed and reports directly to the President Director.
Direktur atas persetujuan Dewan Komisaris berdasarkan Through the approval of the Board of Commissioners
rekomendasi dari Komite Audit dan selanjutnya based on recommendations from the Audit Committee,
dilaporkan kepada Otoritas Jasa Keuangan. the appointment and dismissal of the Head of the
Internal Audit Unit is subsequently reported to the
Financial Services Authority.
Divisi Audit Internal dibentuk berdasarkan Peraturan The Internal Audit Division is established based on
OJK Nomor 56/POJK.04/2015 tentang Pembentukan OJK Regulation Number 56/POJK.04/2015 concerning
dan Pedoman Penyusunan Piagam Unit Audit Internal, the Establishment and Guidelines for the Preparation
sekaligus untuk memenuhi Peraturan Bursa Efek of the Internal Audit Unit Charter and to comply with
Indonesia Nomor 1A tentang Pencatatan Saham dan the Indonesia Stock Exchange Regulation Number 1A
Efek Bersifat Ekuitas Selain Saham yang Diterbitkan concerning Listing of Shares and Equity Securities Other
oleh Perusahaan Tercatat. than Shares Issued by the Listed Company.
Unit Audit Internal Perseroan dipimpin oleh seorang The Company’s Internal Audit Unit is led by a Head of
Kepala Unit Audit Internal. the Internal Audit Unit.

.01 .02 .03 .04
PROFIL KEPALA UNIT AUDIT INTERNAL PROFILE OF HEAD OF INTERNAL AUDIT UNIT
Kepala Audit Internal dijabat oleh Ignatius Prasetya. Ignatius Prasetya is in charge of being the Head of
Beliau menyelesaikan pendidikan Akuntansi dari STIE Internal Audit. He obtained a degree in Accounting
Perbanas tahun 2002. from STIE Perbanas in 2002.

1. Internal Audit Officer di PT BFI Finance Indonesia 1. Internal Audit Officer at PT BFI Finance Indonesia
Tbk (2006 - 2009) Tbk (2006 - 2009)
2. Internal Audit Division Head di PT Bima Multi 2. Head of Internal Audit Division at PT Bima Multi
Finance (2014 - 2017) Finance (2014 - 2017)
3. Internal Audit Division Head PT Wahana Ottomitra 3. Head of Internal Audit Division of PT Wahana
Multiartha Tbk (2017 - saat ini) Ottomitra Multiartha Tbk (2017 - present)

SDM AUDIT INTERNAL INTERNAL AUDIT HR
Per 31 Desember 2021, Jumlah pegawai Internal Auditor As of December 31, 2021, Internal Audit has 35 (thirty
sebanyak 35 (tiga puluh lima) orang, yang terdiri dari: five) employees, consisting of:
Jabatan Jumlah
Position Total
Kepala Divisi
1
Head of Division
Kepala Departemen
5
Head of Department
Specialist 10
Section Head 7
Officer 11
Audit Support Staff 1
PERSYARATAN DAN KRITERIA TIM UNIT AUDIT INTERNAL INTERNAL AUDIT UNIT TEAM REQUIREMENTS AND CRITERIA
1. Memiliki integritas yang tinggi dan bertindak 1. Have high integrity and act professionally,
secara profesional, independen, jujur dan objektif independently, honestly and objectively in
dalam melaksanakan tugas-tugasnya. implementing his/her duties.
2. Memiliki pengetahuan, keahlian dan kemampuan 2. Have the relevant knowledge, skills and
lain yang relevan untuk melaksanakan tugas dan other capabilities in implementing duties and
tanggung jawabnya masing-masing. responsibilities.
3. Memiliki kecakapan untuk berinteraksi dan 3. Have the capability to interact and good
berkomunikasi baik secara lisan dan tulisan secara communication in both oral and writing effectively.
efektif.
4. Wajib mematuhi standar profesional yang 4. Shall comply with the professional standard issued
diterbitkan oleh Asosiasi Audit Intemal. by the Internal Audit Association.
5. Wajib memenuhi kode etik Audit Intemal. 5. Shall comply with the Internal Audit code of ethics.

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6. Wajib menjaga kerahasian informasi dan atau 6. Shall maintain confidentiality of information and
data-data terkait dengan kinerja perusahaan or related data on the company’s performance
dalam melakukan tugas dan tanggung jawab while carrying out duties and responsibilities,
kecuali diwajibkan oleh hukum atau diminta oleh except when obligated by the law or requested by
keputusan pengadilan. the court verdict.
7. Memiliki pemahaman mengenai prinsip-prinsip 7. Have an understanding on the good corporate
tata kelola perusahaan yang baik. governance principles.
8. Bersedia secara terus-menerus meningkatkan 8. Be willing to continually improving his/her expertise
kemahiran dan efektivitas dan kualitas dari and effectiveness and quality of the works.
pekerjaannya.
9. Tidak boleh secara sadar terlibat dalam kegiatan- 9. Are not allowed to consciously involved in fraud or
kegiatan yang menyimpang atau melanggar breaking the law activities.
hukum.
SERTIFIKASI PROFESI AUDIT INTERNAL CERTIFICATION AS AN INTERNAL AUDIT PROFESSION
Sertifikasi Lembaga Nama

Certification Institution Name
Informasi Security Management System Bagdja Nugraha

BSI Training Academy
Information on Security Management System Dimas Erlangga Mantik
STRUKTUR DAN KEDUDUKAN AUDIT INTERNAL INTERNAL AUDIT STRUCTURE AND POSITION
Divisi Audit Internal dipimpin oleh Internal Audit The Internal Audit Division is led by the Internal Audit
Division Head yang bertanggung jawab kepada Division Head. Internal Audit is responsible to the
Presiden Direktur dan secara fungsional berhubungan President Director and is functionally related to the
dengan Komite Audit. Di dalam organisasi Perusahaan, Audit Committee. Within the Company’s organization,
kedudukan Divisi Audit berada satu tingkat di the Audit Division is positioned one level below the
bawah Presiden Direktur. Laporan hasil audit internal President Director. The report on the internal audit result
disampaikan kepada Presiden Direktur dan Dewan is submitted to the President Director and the Board of
Komisaris serta salinannya disampaikan kepada Commissioners with the copy to the Audit Committee
Komite Audit dan Direktur yang membawahi Fungsi and the Director in charge of the Compliance Function.
Kepatuhan.
Untuk laporan hasil pemantauan tindak lanjut Reports on the results of improvements follow-up
perbaikan atas temuan signifikan disampaikan kepada monitoring on significant findings are submitted to
Direksi dan Dewan Komisaris dengan tembusan the Board of Directors and the Board of Commissioners
kepada Komite Audit dan Direktur yang membawahi with a copy to the Audit Committee and the Director
Fungsi Kepatuhan. Direksi Perseroan bertanggung in charge of the Compliance Function. The Company’s
jawab merancang sistem Audit Internal untuk proses Board of Directors is responsible for arranging the
pelaporan internal, mencakup seluruh prosedur operasi Internal Audit system for the internal reporting process,
standar Perseroan dan jalur pelaporan. covering all of the Company’s standard operating
procedures and reporting lines.

.01 .02 .03 .04
Struktur organisasi Divisi Audit dan kedudukannya The organization structure of the Audit Division and its
dalam Perseroan adalah sebagai berikut: position in the Company are as follows:
Internal Audit
Division Head
Development & QA
Regional Audit IT & System Audit Head Office Audit Field Audit
Audit Department
Department Head Department Head Department Head Department Head
Head
Development & QA Regional Audit IT & System Audit Financial & Reporting Field Audit
Audit Specialist Section Head Specialist Audit Specialist Section Head
Head Office Audit Field Audit

Desk Audit Analyst
Specialist Reporting Staff
Internal Audit
Regional Audit Officer Field Audit Staff
Support Staff
PIAGAM AUDIT INTERNAL INTERNAL AUDIT CHARTER
Dalam melaksanakan tugasnya, Unit Audit Internal In carrying out its duties, the Internal Audit Unit refers
mengacu pada Piagam Audit Internal yang telah to the Internal Audit Charter that has been prepared and
disusun dan disahkan oleh Perusahaan. Piagam Audit approved by the Company. The Internal Audit Charter has
Internal disetujui dan ditetapkan oleh Direksi dan been approved and ratified by the Board of Directors and
Dewan Komisaris pada tanggal 31 Mei 2021. the Board of Commissioners on May 31, 2021.
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILIIES
Secara umum, Audit Internal memiliki tugas In general, Internal Audit has the task of supporting the
mendukung Direksi dalam pelaksanaan kegiatan Board of Directors in carrying out internal control activities
pengawasan internal meliputi seluruh kegiatan covering all operational activities of the Company. The
operasional Perseroan. Divisi Audit Internal berperan Internal Audit Division acts as a “business partner” and
sebagai “business partner” dan konsultan bagi Direksi. consultant to the Board of Directors. This role is related
Peran tersebut terkait pelaksanaan tinjauan dan to the implementation of reviews and evaluations of
evaluasi terhadap proses pengendalian internal dan the internal control process and risk management of the
pengelolaan risiko atas kegiatan operasional Perseroan Company’s operational activities. Thus, the Company can
agar tujuan Perseroan dan GCG dapat tercapai. reach the Company and GCG objectives.

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RINCIAN TUGAS DAN TANGGUNG JAWAB DIVISI AUDIT DETAILS OF INTERNAL AUDIT DIVISION DUTIES AND
INTERNAL RESPONSIBILITIES
1. Menyusun strategi dan rencana kerja Internal Audit 1. Develop the Internal Audit strategies and work
dengan pendekatan risiko (risk-based approach) plans with adequate risk-based approach. The plan
yang memadai. Rencana ini harus konsisten dengan has to be consistent with the Internal Audit Charter
Piagam Internal Audit dan tujuan bisnis Perseroan, and the Company’s business objectives, approved
serta disetujui oleh Presiden Direktur dan Komite by the President Director and the Audit Committee
Audit dan dilaporkan kepada Dewan Komisaris. and reported to the Board of Commissioners.
2. Melaksanakan rencana kerja yang telah mendapat 2. Implement the approved work plan, including
persetujuan, termasuk penugasan audit khusus the assignment of specific audit based on the
atas permintaan Presiden Direktur maupun Dewan request of the President Director and the Board of
Komisaris melalui Komite Audit. Commissioners through the Audit Committee.
3. Menyusun analisis, melakukan pemeriksaan, serta 3. Develop analysis, audit and assessment on the
penilaian atas efisiensi dan efektivitas dibidang efficiency and effectiveness of finance, operations,
keuangan, operasional, sumber daya manusia, human resources, marketing, information
pemasaran, teknologi informasi dan kegiatan technology and other activities. Those are
lain. Kegiatan tersebut dilakukan melalui performed through on-site audit, off-site audit and
pemeriksaan langsung on site audit, pengawasan continuous audit to achieve the set missions, goals
secara tidak langsung, mapun pemeriksaan secara and strategies.
berkelanjutan (continous audit). Dengan demikian
dapat mencapai misi, tujuan dan strategi yang
telah ditetapkan.
4. Melakukan dan memberikan kontribusi untuk 4. Perform and contribute to the improvement of
peningkatan pengendalian yang efektif dengan an effective control by reviewing and evaluating
melakukan tinjauan dan evaluasi terhadap the internal control in all activity units within the
pengendalian internal pada semua unit kegiatan di Company.
lingkungan Perseroan.
5. Memberikan saran perbaikan dan informasi yang 5. Provide improvement-related suggestions and
objektif tentang kegiatan yang diperiksa pada semua objective information on audited activities in
tingkatan manajemen dalam rangka penyempurnaan all levels of management to refine the system,
sistem, prosedur, anggaran dan kebijakan. procedure, budget and policy.
6. Membuat laporan hasil audit serta menyampaikannya 6. Develop report on audit results and submit to the
kepada Presiden Direktur dan Dewan Komisaris President Director and the Board of Commissioners
melalui Komite Audit. through the Audit Committee.
7. Memantau, menganalisis dan melaporkan 7. Monitor, analyze and report the follow
pelaksanaan tindak lanjut perbaikan yang telah up implementation of the recommended
direkomendasikan. improvements.

.01 .02 .03 .04
8. Menyusun rencana sumber daya manusia Internal 8. Develop the Internal Audit’s manpower planning
Audit man power planning dan memelihara and maintain its professionalism by employing
profesionalisme Internal Audit dengan knowledge, skills, experiences and adequate
pengetahuan, keterampilan, pengalaman serta certification program through continuous
program sertifikasi yang memadai, melalui education and involvement in the activities of
pendidikan yang berkesinambungan dan professional organizations.
keterlibatan dalam kegiatan organisasi profesi.
9. Membantu pemantauan penerapan Tata Kelola 9. Assist the monitoring of the GCG implementation,
Perusahaan yang Baik (good corporate governance), risk management effectiveness and code of conduct.
efektivitas manajemen risiko dan implementasi
kode etik.
10. Menyusun dan memperbarui pedoman, sistem dan 10. Regularly develop and update the Internal Audit’s
prosedur kerja Internal Audit secara berkala. working guidelines, systems and procedures.
11. Melakukan evaluasi secara berkesinambungan 11. Make continuous evaluation on the quality
atas mutu kegiatan audit quality assurance yang assurance performed by supervising the works of
dilakukan melalui supervisi terhadap pekerjaan the Internal Auditor and requiring the Auditors to
Internal Auditor dan mewajibkan Internal Auditor review the quality of their works and duly observe
untuk meninjau kualitas pekerjaan yang dihasilkan the assessment on the audit quality assurance
serta memperhatikan penilaian mutu kegiatan performed by external parties.
audit yang dilakukan oleh pihak eksternal.
PENDIDIKAN DAN PELATIHAN UNIT AUDIT INTERNAL INTERNAL AUDIT UNIT EDUCATION AND TRAINING
SDM Unit Audit Internal diberikan kesempatan untuk The Internal Audit Unit personnel participate in
mengikuti program pelatihan dan peningkatan training and competency improvement programs and
kompetensi serta memperoleh sertifikasi profesional. obtain professional certification. The following taable
Berikut pendidikan dan pelatihan SDM Audit Internal presents the education and training of the Company’s
Perseroan tahun 2021: Internal Audit members in 2021:
Nama Pelatihan/Seminar Penyelenggara Peserta Tanggal Pelaksanaan

No
Name of Training/Seminar Organizer Participant Date
Standar Internal Audit Yayasan Pendidikan 04 - 05 Maret 2021

1 Budi Gunawan
Internal Audit Standard Internal Audit (YPIA) March 04 - 05, 2021
Tantangan Peran Auditor Internal Sebagai Mitra

Strategis Manajemen Menyongsong Era Baru Pasca
Yayasan Pendidikan 13 Maret 2021
2 Covid-19 Ignatius Prasetya
Internal Audit (YPIA) March 13, 2021
Challenges of Internal Auditor Role as Management
Strategic Partner in Facing Post-Covid-19 New Era
Tantangan, Risiko dan Peran Internal Audit Dalam
Penerapan Digital Banking Ikatan Auditor 27 Maret 2021
3 Ignatius Prasetya
Challenges, Risks and Role of Internal Audit in Digital Internal Bank (IAIB) March 27, 2021
Banking Implementation

.05 .06 .07

No
Ignatius Prasetya
Budi Gunawan
M Imanuddin
Institute of Internal
M Edi Junaedi 16 April 2021
4 Introduction To Cloud Auditing Auditors Indonesia
Bagdja Nugraha April 16, 2021
(IIA Indonesia)
Sendy Broto
Kusumo
Dimas Mantik
Peran Audit Internal Dalam Mengawal Organisasi
Menuju Transformasi Digital Di Era Kenormalan Baru Yayasan Pendidikan All Internal 17 April 2021
5
Internal Audit Role in Regulating Organizations towards Internal Audit (YPIA) Audit April 17, 2021
Digital Transformation in New Normal
Ignatius Prasetya
Budi Gunawan
Institute of Internal M Imanuddin
Peran Internal Audit Dalam Proses Merger 22 April 2021
6 Auditors Indonesia M Edi Junaedi
Internal Audit Role in Merger Process April 22, 2021
(IIA Indonesia) Bagdja Nugraha
Sendy Broto
Kusumo
28 - 29 April 2021
7 Audit Report Writing Effectively Auditors Indonesia M Edi Junaidi
April 28 - 29, 2021
(IIA Indonesia)
Ignatius Prasetya
Budi Gunawan
Institute of Internal M Imanuddin
Agent of Change : Internal Auditors in an Area of 06 Mei 2021
8 Auditors Indonesia M Edi Junaedi
Disruption May 06, 2021
(IIA Indonesia) Bagdja Nugraha
Sendy Broto
Kusumo
Sertifikasi Qualified Internal Audit Tingkat Lanjutan Yayasan Pendidikan 07 - 19 Juni 2021
9 Budi Gunawan
Advanced Qualified Internal Audit Certification Internal Audit (YPIA) June 07-19, 2021
Budi Gunawan
Audit Testing and Data Analytics Microsoft Excel Auditor Indonesia - Sendy Broto 17 Juli 2021
10
Based Centria Kusumo July 17, 2021
andri Lesmana
Aditya Rangga 23 - 24 Agustus 2021
11 Analize & Improving Business Process Auditors Indonesia
Kusuma August 23 - 24, 2021
(IIA Indonesia)
The Disruption of Internal Audit Roles For CMA Australia - Budi Gunawan 28 Agustus 2021
12
Management Indonesia M Imanuddin August 28, 2021
Ignatius Prasetya 28 - 29 Agustus 2021
13 Effective Internal Audit Ruang Seminar
Bagdja Nugraha August 28 - 29, 2021
Peran Kepatuhan (ISO 37301) Dalam Peningkatan
Tata Kelola Organisasi 15 Oktober 2021
14 Visi Integritas Budi Gunawan
Compliance Role (ISO 37301) in Improving Organizational October 15, 2021
Governance

.01 .02 .03 .04

No
Kontribusi Internal Audit Dalam Menjaga

Etika & Integritas untuk Mencapai Tujuan Perusahaan Ignatius Prasetya 24 November 2021
15 Auditors Indonesia
Internal Audit Contribution in Maintaining Budi Gunawan November 24, 2021
(IIA Indonesia)
Ethics & Integrity to Achieve Company Goals
06 - 07 Desember 2021
16 Risk Based Auditing Auditors Indonesia Deni Jayadi
December 06 - 07, 2021
(IIA Indonesia)
Inovasi Auditor Internal Sektor Publik Dalam Era Institute of Internal
15 Desember 2021
17 Disrupsi Auditors Indonesia Budi Gunawan
December 15, 2021
Public Sector Internal Auditor Innovation in Disruption Era (IIA Indonesia)
LAPORAN PELAKSANAAN TUGAS AUDIT INTERNAL INTERNAL AUDIT TASK IMPLEMENTATION REPORT
Pada tahun 2021 Audit Internal telah melaksanakan In 2021, Internal Audit carried out 120 (one hundred
kegiatan assurance terhadap unit bisnis Perseroan twenty) assurance activities for the Company’s business
sebanyak 120 (seratus dua puluh) kali, pemeriksaan units, the examination consists of:
terdiri dari:
Kategori Jumlah Pemeriksaan

No
Category Total Inspection
Cabang
1 72 kali/times
Branch
Gudang
2 22 kali/times
Warehouse
3 Khazanah 6 kali/times
Kantor Pusat
4 11 kali/times
Head Office
Teknologi Informasi
5 7 kali/times
Audit Khusus
6 2 kali/times
Special Audit
Internal Audit secara rutin melaksanakan rapat dengan Internal Audit regularly holds meetings with the board
Direksi dan Komite Audit. of directors and the Audit Committee.

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Sistem Pengendalian Internal

Manajemen Perseroan menetapkan secara The Company’s management continuously establishes

berkesinambungan suatu mekanisme proses a supervisory process mechanism through the
pengawasan melalui Sistem Pengendalian Internal Internal Control System with the quality of design
dengan kualitas desain dan pelaksanaan yang and implementation influenced by the Board of
dipengaruhi oleh Dewan Komisaris, Direksi serta Commissioners, the Board of Directors, as well as all
seluruh pejabat dan pegawai Perseroan. officers and employees of the Company.
Perseroan merancang suatu Sistem Pengendalian The Company designs an Internal Control System to
Internal agar mampu memberikan keyakinan be able to provide adequate confidence to achieve
yang memadai untuk mencapai tujuan Perseroan the Company’s objectives in maintaining and securing
dalam menjaga dan mengamankan harta kekayaan the Company’s assets. It alsom aims to ensure the
Perseroan. Juga untuk menjamin tersedianya laporan availability of accurate and reliable reports, improve
yang akurat dan andal, meningkatkan kepatuhan compliance with applicable regulations, reduce the
terhadap ketentuan yang berlaku, mengurangi impact of financial losses, irregularities including
dampak kerugian keuangan, penyimpangan termasuk fraudulent fraud and violations of prudential aspects,
kecurangan fraud dan pelanggaran aspek kehati- as well as improve organizational effectiveness and
hatian, serta meningkatkan efektivitas organisasi dan increase cost efficiency.
meningkatkan efisiensi biaya.
Dengan demikian, pelaksanaan Sistem Pengendalian Thus, the implementation of the Internal Control
Internal (SPI) pada Perseroan, bertujuan meningkatkan System (SPI) in the Company, aims to improve
efektivitas dan efisiensi operasional, kelayakan operational effectiveness and efficiency, the feasibility
atas laporan keuangan, serta kepatuhan terhadap of financial reports and compliance with applicable
peraturan perundang-undangan yang berlaku di laws and regulations in Indonesia, both regulations
Indonesia, baik peraturan yang mengatur Perseroan governing Limited Liability Companies, OJK regulations
Terbatas, peraturan OJK maupun kebijakan Perusahaan and company policies. In carrying out the Company's
yang telah ditetapkan. Dalam menjalankan operasional operations, a reliable and effective Internal Control
Perseroan, Sistem Pengendalian Internal yang handal System becomes the responsibility of all parties in the
dan efektif merupakan tanggung jawab dari semua organization.
pihak dalam organisasi.
SISTEM PENGENDALIAN INTERNAL DENGAN COSO INTERNAL CONTROL SYSTEM COMPATIBILITY WITH COSO
COSO (Committee of Sponsoring Organizations of the COSO (Committee of Sponsoring Organizations of the
Treadway Commission) merupakan sebuah Komisi Treadway Commission) is an International Commission
Internasional yang dibentuk untuk mengindentifikasi to identify the factors that cause embezzlement and
faktor-faktor yang menyebabkan penggelapan dan make recommendation to reduce such a case. The COSO
membuat rekomendasi untuk mengurangi kejadian emphasizes the Internal Control as a process. It is closely
tersebut. COSO menekankan Pengendalian Internal related to the on-going business activities.
sebagai suatu proses yang merupakan bagian
tidak terpisahkan dari aktivitas bisnis entitas yang
berkelanjutan (on going business activities).

.01 .02 .03 .04
Untuk tujuan pelaporan manajemen kepada publik, COSO For public management report, COSO framework has
framework telah menjadi acuan perusahaan publik become the reference for the public companies as the
sebagai model best practices pengendalian internal. COSO best practice for internal control. The COSO framework
framework memungkinkan perusahaan mengembangkan enables the Company to develop an effective and
sistem pengendalian internal secara efektif dan efisien. efficient internal control system.
COSO dapat memberikan: COSO can contribute:

1. Cara untuk menerapkan pengendalian internal 1. Method to implement the internal control in every
dalam setiap entitas, tanpa memperhatikan entity, regardless the industry and legal structure,
industri atau struktur legal pada setiap tingkatan in every level of entity, operation unit, or function.
dari entitas, unit operasi atau fungsi.
2. Pendekatan prinsip memberikan kemudahan 2. Principle approach, that provides facility and allows
dan memperkenankan untuk membuat, creating, implementing and conducting the internal
mengimplementasikan dan melaksanakan control – the principles are applicable at the entity,
pengendalian internal – prinsip dapat diterapkan operational and functional levels.
pada tingkatan entitas, operasi dan fungsi.
3. Syarat untuk sistem pengendalian internal yang 3. Requirements for the effective internal control
efektif dengan mempertimbangkan bagaimana system by considering the natures of the component
komponen dan prinsip tersebut ada dan berfungsi and principle and how the component and principle
dan bagaimana komponen beroperasi secara operate simultaneously.
bersamaan.
4. Cara untuk mengidentifikasi dan menganalisa 4. Method to identify and analyze the risk as well as
risiko dan untuk mengembangkan serta mengelola develop and manage the risk reaction appropriately
reaksi risiko secara tepat sampai dengan tingkatan to an acceptable extent and with the best focus on
yang diterima dan dengan fokus terbaik dalam the anti-fraud measurement.
pengukuran anti-fraud.
5. Kesempatan untuk mengembangkan penerapan 5. Opportunity to develop internal control on financial
pengendalian internal laporan keuangan dan report and the other reports to reach the report,
laporan lainnya untuk mencapai tujuan laporan, operation and compliance objectives.
operasional dan kepatuhan.
6. Kesempatan mengurangi ketidakefektifan, 6. Opportunity to reduce control ineffectiveness,
pengulangan ataupun ketidakefisienan dalam repetition or inefficiency that contribute minimal
pengendalian risiko. Dengan demikian akan value in minimizing the risks to achieve the
memberikan nilai minimal untuk mengurangi risiko Company’s objectives.
dalam pencapaian tujuan perusahaan.
COSO framework merupakan acuan bagi Unit Audit The COSO framework is a reference for the Company’s
Internal Perseroan untuk melakukan pelaksanaan Internal Audit Unit to evaluate the company’s internal
evaluasi pengendalian internal perusahaan. Ada tiga control. There are three dimensions of objectives in the
dimensi atau kategori tujuan dalam model COSO COSO Framework model that allow companies to focus
framework yang memungkinkan perusahaan dapat on internal control aspects, namely:
fokus terhadap aspek pengendalian internal, yaitu:

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1. Dimensi Operasi – Efektivitas dan efisiensi operasional 1. Operational Dimension – The effectiveness and
perusahaan, termasuk pencapaian kinerja operasional efficiency of the company’s operations, including the
dan keuangan serta keamanan asset dibandingkan achievement of operational and financial performance
dengan kerugian. as well as asset security compared to losses.
2. Dimensi Laporan Keuangan – Laporan Keuangan 2. Financial Statements Dimensions – Internal and
dan Non Keuangan internal dan eksternal. Di external Financial and Non-Financial Reports. This
dalamnya meliputi kehandalan, ketepatan waktu, includes reliability, timeliness, transparency or
transaparansi atau syarat lainnya yang ditetapkan other requirements set by the regulator, recognized
oleh regulator, standar yang diakui, maupun standards and company policies.
kebijakan perusahaan.
3. Dimensi Kepatuhan – Ketaatan terhadap hukum 3. Compliance Dimension – Compliance with laws and
dan peraturan perundang-undangan. regulations.
Ketiga dimensi atau kriteria tujuan tersebut memiliki The three objectives dimensions have 5 (five)
5 (lima) komponen untuk mengevaluasi pengendalian components to evaluate a company’s internal control,
internal perusahaan yang meliputi: which are:
1. Pengendalian Lingkungan 1. Control Environment
Hal-hal yang menjadi perhatian audit internal: The attributes of the internal audit’s concern are:
- Integritas dan nilai-nilai etika; - Integrity and ethical values;
- Kompetensi dari orang-orang yang ada di - Competence of the people within a company;
perusahaan;
- Filosofi perusahaan; - Corporate philosophy;
- Pelaksanaan tanggung jawab atas tugas yang - Execution of the given tasks and responsibilities;
dibebankan;
- Perhatian dan bimbingan yang diberikan oleh - Attention and guidance for the company’s
komisi perusahaan. commission.
2. Menakar Risiko beberapa atribut yang menjadi 2. Risk Assessment. The attributes of the internal
perhatian audit internal: audit’s concern are:
- Prediksi ataupun proyeksi risiko atas tujuan - Risk prediction and assessment of the objectives
yang telah ditetapkan, hubungan-hubungan set and the implications of the risks to the
risiko tersebut kepada bagian-bagian yang ada company’s sections
dalam perusahaan;
- Identifikasi serta analisis atas risiko yang relevan - Identification and analysis of the risks relevant
terhadap tujuan yang telah ditetapkan; with the set objectives;
- Bentuk dasar terhadap penentuan bagaimana - Basic form of the determination on how the risk
seharusnya penanganan risiko yang ada; should be managed;
- Mekanisme yang dibutuhkan untuk - Mechanism required to identify specific risks
mengidentifikasi risiko khusus yang tidak inherent in the existing changes.
terlepas dari perubahan yang ada.

.01 .02 .03 .04
3. Aktivitas Pengendalian Atribut yang menjadi 3. The Attributes Control Activities of the internal
perhatian audit internal sebagai bentuk kebijakan audit’s concern are the policies and procedures
dan prosedur dalam setiap aktivitas perusahaan. in each company’s activity. This is to identify the
Tujuannya agar dapat mengidentifikasi risiko-risiko potential risks in the achievement of the objectives
yang akan dihadapi dalam mencapai tujuan yang set.
telah ditetapkan.
4. Informasi dan komunikasi beberapa atribut yang 4. Information and communication of several
menjadi perhatian audit internal: attributes of the internal audit’s concern are:
- Identifikasi informasi yang berhubungan, - Identification of the relevant information,
rekam dan komunikasikan dalam bentuk yang record and communication in a form that
memungkinkan setiap orang dalam perusahaan allows the people in the company to take their
untuk menjalankan tanggung jawabnya; respective responsibilities;
- Masukkan informasi yang berasal dari dalam - Input of the information from inside and
dan dari luar perusahaan mengenai suatu outside of the company about a particular
kejadian, kondisi yang mungkin dibutuhkan event, condition required for business decision
dalam pembuatan keputusan bisnis atau making, or even the reports for external parties;
bahkan laporan kepada pihak luar;
- Aliran informasi yang mendukung kesuksesan - Flow of information that supports the success
pengendalian dari instruksi pada tanggung of the control; from the instructions on the
jawab manajemen sampai pada perangkuman responsibilities to the summarizing of the
temuan yang perlu ditindaklanjuti oleh results that need further action from the
manajemen perusahaan. management.
5. Pengawasan beberapa atribut yang menjadi 5. Monitoring several attributes of the internal audit’s
perhatian audit internal meliputi: concern are:
- Penaksiran kinerja sistem pengendalian yang - Assessment of the existing control system
ada defisiensi atas pengendalian internal, harus performance; the deficiency in the internal control
dilaporkan kepada top manajemen; should be reported to the top management;
- Kombinasi antara evaluasi terus-menerus dan - Combination of continuous evaluation and
evaluasi terpisah akan menjamin efektivitas separated evaluation will guarantee the
sistem pengendalian internal yang dirancang. effectiveness of the designed internal control
system.
EVALUASI TINGKAT EFEKTIVITAS EVALUATION ON EFFECTIVENESS LEVEL
Divisi Audit Internal berperan melakukan penilaian atas The Internal Audit Division plays a role in assessing the
efektifitas sistem pengendalian internal menggunakan effectiveness of the internal control system using the
COSO framework. Hal tersebut dijalankan guna COSO framework. The system is implemented to ensure
memastikan tingkat efektivitas pengendalian internal the effectiveness level of the Company’s internal control
Perseroan, melalui evaluasi mengenai kecukupan dan by utilizing independent evaluation of the policies,
kepatuhan terhadap kebijakan, prosedur dan sistem. procedures and system adequacy and compliance. The
Berbagai evaluasi tingkat efektivitas mencakup: effectiveness level evaluations include:

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1. Jendela: analisis kasus dan kerugian operasional 1. Jendela: case and operational loss analyses by
oleh ORM (Operational Risk Management) yang ORM presented in the RMC with Board of Directors
disajikan dalam RMC (Risk Manajemen Committee) monthly;
bersama BOD per bulan;
2. Rapat Postmortem: tinjauan antara NMP (Network 2. Postmortem Meeting: review between Network
Management and Performance) dengan Direksi Management and Performance (NMP) and Board
berdasarkan pelaksanaan rapat antar function di of Directors based on inter-functional meeting
cabang; organized among functions at the branches;
3. RCSA (Risk Control and Self Assessment): tinjauan 3. RCSA: review by the Division Heads approved by
dari Division Head yang disetujui oleh Direksi per BOD quarterly 3 (three) month concerning the
kuartal 3 (tiga) bulan terkait risiko yang ada pada existing risks in each function;
fungsi masing-masing;
4. BCSA : tinjauan dari Function Head yang disetujui 4. BCSA: review by Function Heads approved by
oleh Branch Head dan Area Manager per semester Branch Head and Area Manager every semester
6 (enam) bulan terkait risiko yang ada pada fungsi 6 (six) month concerning the existing risks in each
masing-masing; function;
5. KRI (Key Risk Indicator): tinjauan oleh ORM dan 5. KRI: review by ORM and related functions on the
function terkait atas root cause dan action plan root cause and the branch’s plan of action against
cabang terhadap data anomali yang berpotensi data anomaly which may cause damages to the
menimbulkan kerugian perusahaan yang disajikan company, presented by BOD in RMC each month;
dalam RMC bersama Direksi per bulan;
6. Caller: tinjauan oleh ORM berdasarkan hasil 6. Caller: review by ORM based on phone-call
verifikasi via telepon kepada konsumen WOM per verification to WOM customers each month;
bulan;
7. KCS (Key Control Standard): BORC di tingkat cabang, 7. Key Control Standard (KCS): BORC at the branch
RORC di tingkat regional dan RMC di tingkat direksi level, RORC at the regional level and RMC at the
setiap bulan. board of directors level monthly.
PERNYATAAN DIREKSI DAN/ATAU DEWAN KOMISARIS STATEMENT OF BOARD OF DIRECTORS AND/OR THE
ATAU KOMITE AUDIT ATAS KECUKUPAN SISTEM BOARD OF COMMISSIONERS OR THE AUDIT COMMITTEE
PENGENDALIAN INTERNAL ON THE ADEQUACY OF THE INTERNAL CONTROL SYSTEM
Terkait dengan efektivitas pelaksanaan Sistem Regarding the effectiveness of the Internal Control
Pengendalian Internal pada Perseroan, Direksi dan System implementation in the Company, the Board of
Dewan Komisaris beserta Komite Audit menyatakan Directors and the Board of Commissioners along with
bahwa mekanisme COSO framework menjadi acuan the Audit Committee stated that the COSO framework
Divisi Audit Internal Perseroan sudah cukup memadai mechanism as a reference for the Company’s Internal
untuk melakukan evaluasi Sistem Pengendalian Internal Audit Division is sufficient to evaluate the Internal
yang dilaksanakan Perseroan. Control System implemented by the Company.

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AKUNTAN PUBLIK PUBLIC ACCOUNTANT
Akuntan Publik merupakan organ eksternal Perusahaan Public Accountant is the Company’s external organs
yang berfungsi memberikan opini terkait kesesuaian to provide opinions regarding the suitability of the
penyajian laporan keuangan Perusahaan terhadap presentation of the Company’s financial statements
Standar Akuntansi Keuangan (SAK) yang berlaku di against the applicable Financial Accounting Standards
Indonesia. Pelaksanaan audit eksternal pada Perseroan, (SAK) in Indonesia. The external audit of the Company
dilaksanakan oleh auditor eksternal yaitu Kantor is carried out by an external auditor, namely the Public
Akuntan Publik yang telah disahkan melalui RUPS. Accounting Firm which has been approved by the GMS.
Pelaksanaan Audit Ekternal Perseroan mengacu pada The implementation of the Company’s External Audit
standar audit yang ditetapkan oleh Ikatan Akuntan refers to the audit standards set by the Indonesian
Indonesia (IAI) dan telah memenuhi semua ketentuan Institute of Accountants (IAI) and has complied with all
OJK mengenai bentuk dan susunan Laporan Keuangan. OJK regulations regarding the form and structure of
Auditor bertanggung jawab dalam menyampaikan the Financial Statements. The auditor is responsible for
pernyataan mengenai apakah laporan keuangan telah providing a statement regarding whether the financial
disajikan secara wajar, dalam semua hal yang material, statements are fairly presented, in all material respects,
posisi keuangan, hasil usaha, serta arus kas. financial position, results of operations and cash flows.
Dalam rangka memastikan bahwa proses audit berjalan In order to ensure that the audit process runs in
sesuai dengan Standar Profesional Akuntan serta accordance with the Professional Standards of
perjanjian kerja dan ruang lingkup audit yang telah Accountants, the work agreement and the audit scope
ditetapkan dan selesai sesuai dengan tenggat waktu and its completion within the set deadlines, discussions
yang telah ditetapkan, dilakukan pembahasan atas on significant issues are carried out on a regular basis.
permasalahan yang signifikan secara rutin.
Terkait hal tersebut di atas, RUPST 2021 menyetujui Regarding those matters, the 2021 AGMS approved the
penunjukan Tuan Christophorus Alvin Kossim dan appointment of Mr. Christophorus Alvin Kossim and the
Kantor Akuntan Publik Purwantono, Sungkoro & Surja Purwantono, Sungkoro & Surja Public Accounting Firm (a
(firma anggota Ernst & Young Global Limited) masing- member firm of Ernst & Young Global Limited) as Public
masing sebagai Akuntan Publik dan Kantor Akuntan Accountants and Public Accountants Firm, respectively,
Publik untuk mengaudit Laporan Keuangan Perseroan to audit the Company’s Financial Statements for the
untuk Tahun Buku yang berakhir pada tanggal 31 fiscal year ending on December 31, 2021.
Desember 2021.
Sebagai wujud transparansi Perseroan, berikut As a form of the Company’s transparency, the following
disampaikan daftar Kantor Akuntan Publik, Akuntan, table is a list of Public Accounting Firms, Accountants,
jasa yang diberikan dan jasa lainnya, serta biaya yang services provided and other services, as well as costs
dikeluarkan atas laporan keuangan Perusahaan selama incurred on the Company’s financial statements for the
5 (lima) tahun terakhir. last 5 (five) years.

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Tahun Kantor Akuntan Publik Nama Akuntan Publik Biaya Audit

Year Public Accounting Firm Name of Public Accountant Audit Fee
KAP Purwantono, Sungkoro & Surja (firma

anggota Ernst & Young Global Limited)
2021 Christophorus Alvin Kossim Rp618.000.000
KAP Purwantono, Sungkoro & Surja (a member of
Ernst & Young Global Limited)
2020 Muhammad Kurniawan Rp600.000.000
2018 Yasir Rp579.400.000
2017 Yasir Rp551.800.000
Jasa Lain Selain Audit Keuangan
Other Services Besides Financial Audit
2021 Christophorus Alvin Kossim Rp864.670.000
2018 Yasir Rp1.000.000.000
2017 Yasir Rp180.000.000

.01 .02 .03 .04
Manajemen Risiko
Risk Management
Perseroan menitikberatkan kegiatan Manajemen Risiko The Company makes use of Risk Management activities
pada risiko atas proses bisnis, operasional, serta upaya to focus on the risks of business processes, operations,
pengendalian terhadap semua potensi risiko yang as well as efforts to control all potential risks that may
dapat terjadi. Perseroan telah melakukan identifikasi occur. The Company has identified the potential risks
potensi risiko yang terdapat pada lingkungan bisnis contained in the Company’s business environment, as
Perusahaan, serta kemungkinan munculnya dampak well as the possible impact on the achievement of the
terhadap pencapaian tujuan Perusahaan. Company’s goals.
Mengingat pentingnya pengelolaan risiko terkait Given the importance of risk management related
dengan kegiatan bisnis Perseroan, maka Dewan to the Company’s business activities, the Board
Komisaris dan Direksi Perseroan secara bersama-sama of Commissioners and the Board of Directors of
membentuk struktur organisasi dengan tanggung the Company have come together to establish an
jawab, batas kewenangan dan prinsip akuntabilitas organizational structure with responsibilities, limits of
terkait proses manajemen risiko Perseroan. authority and principles of accountability related to the
Company’s risk management process.
Untuk membantu Dewan Komisaris dalam rangka The Company has delegated Risk Oversight Committee
pengawasan dan evaluasi pelaksanaan proses (ROC) to assist the Board of Commissioners in
manajemen risiko secara efektif dan menyeluruh, monitoring and evaluating the implementation of the
Perseroan memiliki Komite Pemantau Risiko (Risk risk management process effectively and thoroughly.
Oversight Committee/ROC). Selain itu, Perseroan juga In addition, the Company has also established a Risk
telah membentuk Komite Manajemen Risiko (Risk Management Committee (RMC) to assist the Board
Manajemen Committee/ RMC) untuk membantu Direksi of Directors in implementing the Company’s daily risk
dalam rangka penerapan manajemen risiko Perseroan management.
sehari-hari.
KONSEP THREE LINES OF DEFENSE THREE LINES OF DEFENSE CONCEPT
Untuk melaksanakan pengendalian risiko secara The Company has implemented the principle of three
menyeluruh dan handal, Perseroan telah menerapkan lines of defense in risk management to carry out
prinsip tiga lapis pertahanan (three lines of defence) comprehensive and reliable risk control. Through the
manajemen risiko. Melalui model three lines of defense, three lines of defense model, the Company divides
Perseroan membagi fungsi-fungsi di dalam organisasi the functions within the organization involved in risk
yang terlibat di dalam manajemen risiko menjadi tiga management into three layers.
lapis.
Ketiga lapis tersebut adalah pemilik risiko (risk owner) The three layers include the risk owner, namely the
yaitu Unit Kerja Bisnis sebagai lapis pertama. Di lapis Business Work Unit as the first layer. The second layer
kedua adalah Unit Kerja Manajemen Risiko sebagai is the Risk Management Unit as a risk supervisor (risk
Pengawas risiko (risk overseer) yang memastikan overseer), which ensures the adequacy of the systems
kecukupan adanya sistem dan prosedur serta and procedures as well as the risk methodology used.
metodologi risiko yang digunakan. dan pada lapis and the third layer is the Internal Audit Unit as the third
ketiga adalah ada Unit Kerja Audit Internal sebagai line that serves as a provider of independent assurance.
lini ketiga yang berperan sebagai penyedia pemastian
independen atau independent assurance.

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Dewan Komisaris Melalui KPR

Board of Commisioners through RMC
BOD trought RMC

Board of Commisioners through RMC
2nd Line of defence

1st Line of defence Kecukupan sistem prosedur dan 3nd Line of defence
Aktifitas Manajemen Risiko Harian metodologi manajemen risiko
Risk Management Daily Activities Adequacy of risk management Independence assurance
methodologies and procedures
• Manajemen Risiko/
Risk Management
• Unit Kerja Kepatuhan (yang berada
• Lini Bisnis/Line of Business pada fungsi Legal Corporate Litigation Unit Kerja Audit Internal
• Kredit/Credit & Compliance Division) Internal Audit Unit
Compliance Unit (which is part of
the Legal Corporate Litigation &
Compliance Division function)
Untuk melaksanakan manajemen risiko secara To carry out overall risk management, the Company
keseluruhan, Perseroan didukung SDM dengan is supported by human resources with adequate
kompetensi dan infrastruktur yang cukup memadai. competence and infrastructure. The Company continues
Secara berkelanjutan, Perseroan terus mengembangkan to develop risk management methodologies, risk
metodologi pengelolaan risiko, kebijakan dan prosedur management policies and procedures on an ongoing
manajemen risiko. Dengan demikian, Perseroan akan basis. Thus, the Company will be able to anticipate
mampu mengantisipasi perkembangan dan perubahan developments and changes in the financing business
lingkungan bisnis pembiayaan. environment.
Sebagai perusahaan yang sangat rentan dengan Despite being very vulnerable to risk, the Company
risiko, Perseroan menyadari pentingnya peningkatan realizes the importance of increasing awareness of
kesadaran budaya risiko. Dengan demikian, Perseroan risk culture. Thus, the Company continues to improve
secara berkelanjutan melakukan peningkatan employee understanding and capabilities through risk-
pemahaman dan kemampuan karyawan melalui based trainings and cultural campaigns.
pelatihan-pelatihan dan kampanye budaya berbasis
risiko.
PENGELOLAAN RISIKO UTAMA PERUSAHAAN FINANCING COMPANY CORE RISK MANAGEMENT

PEMBIAYAAN
Tren perusahaan pembiayaan dan pertumbuhan The continuously mushrooming financing companies
bisnis yang terus berkembang membuat Perseroan and improving business growth has prompted the
memnyusun pedoman manajemen risiko untuk Company to develop risk management guidelines
memastikan pengelolaan seluruh aktivitas bisnis agar to ensure that all business activities are managed in
dapat berjalan sesuai dengan prinsip kehati-hatian. accordance with prudential principles. The following
Berikut adalah pilar kerangka kerja principle Budaya are the pillars of the framework for the Risk Awareness
Sadar Risiko di Perseroan. Culture principle in the Company.

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Budaya Sadar Risiko

Risk Awareness Culture
1. Pengawasan aktif Dewan Komisaris & Direksi 1. Kebijakan, prosedur dan penetapan limit 1. Proses identifikasi, pengukuran, pemantauan dan
a. Kewenangan dan tanggung jawab Dewan a. Strategi bisnis Perseroan pengendalian risiko
a. Review produk baru, credit test, RSCA, stress test
Komisaris dan Direksi b. Risk appetite dan tolerance b. Credit scoring, liquidity gap, repricing mismatch, ECL
b. Komite Nominasi & Remunerasi c. Kecukupan kebijakan dan prosedur (PD,LGD,EAD)
c. Komite Pemantauan Risiko (Risk Oversight d. Limit risiko dan authority level c. MIS dan pelaporan manajemen risiko, fraud
Committe) Policy, procedure and limit setting monitoring activities
d. Komite Audit Internal a. Company's business strategy d. Aktivitas audit internal dan eksternal, mekanisme
wishtle blowing, segregation of duty.
a. Active supervision of the Board of b. Risk appetite and tolerance The process of identifying, measuring, monitoring and
Commissioners and Directors c. Adequacy of policies and procedures controlling risks
b. Authorities and responsibilities of the Board d. Risk limit and authority level a. New product review, credit test, RSCA, stress test
of Commissioners and Directors b. Credit scoring, liquidity gap, repricing mismatch, ECL
c. Nomination and Remuneration Committee (PD, LGD, EAD)
c. MIS and risk management reporting, fraud
d. Risk Monitoring Committee monitoring activities
e. Internal Audit Committee d. Internal and external audit activities, whistleblowing
mechanism, segregation of duty
Profil Risiko Perusahaan | Company Risk Profile I
Risiko Aset &

Risiko Kepengurusan Risiko Tata Kelola Risiko Pembiayaan Risiko Operasional Risiko Permodalan
Liabilitas
Management Risk Governance Risk Credit Risk Operational Risk Capital Risk
Assets & Liabilities Risk
Risiko Konglomerasi | Conglomeration Risk I

Produk Baru & Aktivitas Usaha | New Product and Business Activity I
Penilaian Profil Risiko Perusahaan | Company Risk Profile Assessment I
Manajemen & Level Risiko &

Nilai Risiko Bersih
Enterprise Risk Inherent Risk Pengendalian Permodalan
Management & Control Net Risk Risk and Capital Level
Unit Kerja Bisnis & Aktivitas Fungsional | Business and Functional Activity Work Unit I
Dalam rangka mengantisipasi tingkat kompetisi dan In order to anticipate the level of competition and changes
perubahan lingkungan bisnis pembiayaan, Perseroan in the financing business environment, the Company takes
mengambil langkah-langkah proaktif dalam pengelolaan proactive steps in managing its risk profile. Risk mitigation
profil risiko. Kebijakan strategis mitigasi risiko, strategic policies are implemented through prudent and
diimplementasikan melalui manajemen risiko secara measurable risk management. The potential risk is kept
prudent dan terukur. Potensi risiko diupayakan seminimal to a minimum to make the Company’s financial position
mungkin agar posisi keuangan Perseroan relatif stabil. relatively stable.
Untuk itu, Perseroan telah merumuskan risk appetite, Therefore the Company has formulated a risk appetite,
kebijakan & prosedur dan penetapan batasan risiko policies & procedures and determined the maximum
maksimal yang dapat diambil. Dengan demikian, risk limit that can be taken. Thus, the Company ensures
Perseroan memastikan semua risiko yang terjadi that all risks that occur can be identified, measured,
dapat teridentifikasi, terukur, terpantau dan dapat monitored and can be controlled as early as possible in
dikendalikan sedini mungkin secara tepat dan baik. a precise and good manner.
Pencapaian keberhasilan fungsi dan tugas satuan kerja The successful risk management work unit in realizing
manajemen risiko pada Perseroan, didukung dengan its functions and duties in the Company is supported by
ketersediaan infrastruktur dan sumber daya manusia the availability of infrastructure and human resources
(SDM) di bidang manajemen risiko yang profesional. (HR) in the professional risk management sector.
SDM yang unggul dan infrastruktur yang baik menjadi Excellent human resources and good infrastructure
sangat penting untuk mencapai keberhasilan proses are very important to achieve the success of the risk
penerapan manajemen risiko pada Perseroan. management implementation process in the Company.

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Risiko Kepengurusan & Tata Kelola Management & Governance Risk

Risiko Tata Kelola merupakan potensi kegagalan dalam Governance risk is a potential failure in the
pelaksanaan tata kelola yang baik, ketidaktepatan implementation of good governance, inappropriate
gaya manajemen, lingkungan pengendalian dan management style, control environment and behavior
perilaku dari setiap pihak yang terlihat langsung atau of any party that is involved directly or indirectly with
tidak langsung dengan Perseroan. the Company.
Sumber Risiko Tata Kelola diantaranya meliputi The sources of Governance Risk include inadequacy
pedoman tata kelola tidak memadai yang dimiliki of governance guidelines, improper implementation
Perseroan, Perseroan tidak menerapkan prinsip tata of good governance principles and inadequacy of
kelola yang baik dan perseroan tidak menerapkan risk management application by the Company. The
Manajemen Risiko secara memadai. Dengan Governance Risk can be escalated among others due to
demikian, Risiko Tata Kelola dapat meningkat antara the intervention of other parties that cause a failure in
lain karena adanya investasi dari pihak lain yang the implementation of good governance.
mengakibatkan kegagalan dalam pelaksanaan tata
kelola yang baik.
Sedangkan Risiko Kepengurusan merupakan risiko Meanwhile, Management Risk is the risk of failure to
kegagalan dalam mencapai tujuan Perseroan akibat achieve the Company’s goals due to failure to maintain
kegagalan dalam memelihara komposisi terbaik the best composition of management who have high
pengurus yang memiliki kompetensi dan integritas competence and integrity. The sources of Management
yang tinggi. Sumber Risiko Kepengurusan antara lain Risk include, among others, the inadequate appointment
adalah penunjukan dan pemberhentian Direksi dan and dismissal of the Board of Directors and the Board
Dewan Komisaris yang tidak memadai, komposisi of Commissioners, the composition and proportion of
dan proporsi Direksi dan Dewan Komisaris yang the Board of Directors and the Board of Commissioners
tidak mencukupi dan tidak sesuai dengan kebutuhan which is insufficient and not in accordance with the
Perseroan, kompetensi dan integritas Direksi dan needs of the Company, the competence and integrity of
Dewan Komisaris tidak memadai dan tidak menunjang the Board of Directors and the Board of Commissioners
tugas dan wewenang Direksi dan Dewan Komisaris, is inadequate and does not support the duties and
serta kepemimpinan Direksi dan Dewan Komisaris tidak authorities of the Board of Directors and the Board of
baik. Risiko Kepengurusan dapat meningkat antara Commissioners, as well as the leadership of the Board of
lain karena tidak tersedianya sistem remunerasi yang Directors and the Board of Commissioners is not good
memadai bagi Direksi dan Dewan Komisaris. enough. Management risk may increase, among others,
due to the unavailability of an adequate remuneration
system for the Board of Directors and the Board of
Commissioners.
Strategi Mitigasi Risiko Risk Mitigation Strategy

Perseroan memiliki Strategi Mitigasi Risiko The Company has a Management and Governance
Kepengurusan dan Tata Kelola dengan Risk Mitigation Strategy by optimizing the active role
mengoptimalkan peran aktif Dewan Komisaris, Dewan of the Board of Commissioners, Sharia Supervisory
Pengawas Syariah dan Direksi untuk melakukan Board and Board of Directors to supervise and take full
pengawasan dan bertanggung jawab penuh terhadap responsibility for all business activities and the Company’s
segala aktivitas usaha dan profil risiko Perseroan risk profile as stated in the Risk Oversight Committee
sebagaimana tertuang dalam charter Risk Oversight & Risk Management Committee charter. Currently, the
Committee & Risk Management Committee. Saat Company has a composition of the professional Board of
ini, Perseroan memiliki komposisi Dewan Komisaris, Commissioners, Sharia Supervisory Board and Board of
Dewan Pengawas Syariah dan Direksi yang profesional Directors who excel in their field of expertise and have a

.01 .02 .03 .04
dan terbaik dalam bidangnya serta memiliki track good track record of supervising and being responsible for
record yang baik untuk mengawasi dan bertanggung mitigating risks in a measurable and accountable manner.
jawab dalam melakukan mitigasi risiko secara terukur
dan dapat dipertanggungjawabkan.
Risiko Strategis Strategic Risk

Perseroan menyadari munculnya Risiko Strategis yang The Company realizes that the emergence of Strategic
antara lain disebabkan oleh adanya penetapan dan Risk is caused by the establishment and implementation
pelaksanaan strategi Perseroan yang tidak tepat, of the Company’s strategy that is not appropriate,
pengambilan keputusan bisnis yang tidak tepat, atau making inappropriate business decisions, or the
kurang responsifnya perusahaan terhadap perubahan company’s lack of responsiveness to external changes
eksternal yang mengakibatkan tidak tercapainya target that result in not achieving the targets set by the
yang sudah ditetapkan oleh Perseroan. Risiko strategis Company. This strategic risk can affect the Company’s
ini dapat memengaruhi permodalan, pendapatan capital, income and even reputation. This can occur
bahkan reputasi Perseroan. Hal tersebut dapat terjadi due to the implementation of inappropriate decisions
akibat pelaksanaan keputusan yang tidak tepat atau or due to the Company’s lack of responsiveness in
akibat kurang responsifnya Perseroan mengantisipasi anticipating changes in industry, economy, technology
perubahan industri, ekonomi, teknologi dan regulasi. and regulations.

Terkait Risiko Strategis ini, Perseroan telah merumuskan In terms of the Strategic Risk, the Company has formulated
strategi mitigasi risiko untuk menyeimbangkan a risk mitigation strategy to balance risk and income
risiko dan pendapatan dengan mempertimbangkan by taking into account changes in market conditions,
perubahan kondisi pasar, regulasi dan lingkungan regulations and the business environment. The Company
bisnis. Strategi mitigasi risiko strategis yang diterapkan uses several parameter to implement the strategic risk
Perseroan menggunakan beberapa parameter. mitigation strategy. The first parameter is the suitability
Parameter pertama adalah kesesuaian strategi bisnis of the Company’s business strategy with the conditions of
Perseroan dengan kondisi lingkungan bisnis. Parameter the business environment. The second parameter is the
kedua adalah strategi bisnis Perseroan dalam Company’s business strategy in the financial conglomerate.
konglomerasi keuangan. Parameter ketiga adalah The third parameter is the Company’s business position
posisi bisnis Perseroan dalam konglomerasi keuangan. in the financial conglomerate. The fourth parameter is
Sedangkan parameter keempat merupakan pencapaian the achievement of the Company’s business plan in the
rencana bisnis Perseroan dalam konglomerasi financial conglomerate.
keuangan.
Risiko Pembiayaan Financing Risk

Perseroan menyadari adanya Risiko Pembiayaan The Company believes that Financing Risk is a type of risk
sebagai jenis risiko yang dapat muncul dan memberikan that can arise and has an impact on financial losses of the
dampak kerugian finansial perusahaan pembiayaan. financing company. This can occur due to the failure of
Hal tersebut dapat terjadi akibat kegagalan debitur the debtor to fulfill his/her obligations to the financing
dalam memenuhi kewajibannya kepada perusahaan company. The failure may result in losses and the risk is
pembiayaan. Kegagalan dalam mengelola risiko ini likely to be even greater, which in turn has a negative
dapat mengakibatkan kerugian, serta kemungkinan impact on the financial position of the finance company.
risiko tersebut akan menjadi semakin besar, yang
kemudian berdampak negatif bagi posisi keuangan
perusahaan pembiayaan.

.05 .06 .07
Dalam rangka penilaian risiko pembiayaan, Perseroan In order to assess financing risk, the Company always pays
senantiasa memperhatikan hal-hal sebagai berikut : attention to the following matters:
1. Komposisi portofolio pembiayaan dan tingkat 1. Financing portfolio and concentration level
konsentrasi composition
Diversifikasi produk pembiayaan Perseroan The Company’s financing products diversification plays
memainkan peran penting dalam mengurangi an important role in reducing financing risk potential
potensi risiko kredit yang akan timbul, terutama that may arise, in particular at the composition level
pada tingkat komposisi dan konsentrasi portofolio and credit portfolio concentration. The Company’s
pembiayaan yang diberikan. Produk pembiayaan financing products include new motor vehicles credit,
Perseroan diantaranya pembiayaan motor baru, used motor vehicles credit and multipurpose financing
pembiayaan motor bekas dan pembiayaan with car or motor vehicles as collateral. The financing
multiguna dengan agunan mobil atau motor. coverage by the Company has reached almost all
Sebaran wilayah pembiayaan yang diberikan the regions of Java, Nusa Tenggara & Bali, Sumatra,
perusahaan telah mencapai hampir seluruh pulau Kalimantan and Sulawesi islands. The debtors target
Jawa, Nusa Tenggara & Bali, Sumatera, Kalimantan is still dominated by middle-low segment with
dan Sulawesi. Target debitur Perseroan masih minimum income in accordance with local minimum
didominsai oleh segmen middle-low dengan wages.
minimal pendapatan sesuai UMR wilayah setempat.
2. Strategi penyaluran pembiayaan 2. Financing disbursement strategy
Perseroan senantiasa menjaga pertumbuhan aset The Company always maintains the growth of
pembiayaan dan melakukan optimalisasi portofolio financing assets and optimizes the portfolio of
produk pembiayaan pada beberapa produk financing products in several excellent products
unggulan yang mendatangkan tingkat keuntungan that bring significant profit levels. The Company
signifikan. Saat ini Perseroan dihadapkan pada currently experienced a very stringent competition in
tingkat persaingan yang sangat ketat di pasar, the market thereby a breakthrough in lending process
sehingga perlu dilakukan trobosan proses is necessary without eliminating prudential principle.
penyaluran pembiayaan tanpa mengesampingkan
prinsip kehati-hatian.
3. Kualitas piutang pembiayaan dan tingkat 3. Financing receivables quality and appropriated
kecukupan pencadangan adequacy level.
Rasio NPF gross per Desember 2021 sebesar 1,42% The gross NPF ratio as of December 2021 was 1.42%
dengan tingkat kecukupan pencadangan 2,5x. with an adequate level of reserves of 2.5x. In terms
Secara kualitas aset pembiayaan, Perseroan masih of the quality of financing assets, the Company is still
pada taraf cukup baik dan terkendali. at a fairly good and controlled level.
4. Faktor eksternal 4. External factors
Kondisi ekonomi terutama tingkat inflasi, sangat The economic conditions, especially inflation level,
mempengaruhi kualitas pembiayaan Perseroan. render significant impact on the Company’s credit
Hal ini karena mayoritas debitur merupakan quality, considering that the majority of debtors are
segmen middle-low yang sangat sensitif terhadap middle-low segment that are very sensitive towards
perubahan atau kenaikan harga barang. Penurunan the changes or increase price of goods. The decrease
kualitas aset pembiayaan terjadi dikarenakan of credit assets quality is due to the decrease of
mayoritas segmen debitur mengalami penurunan capacity of middle-low segment debtors to settle
kapasitas untuk melakukan pembayaran kewajiban their obligation to the Company.
kepada Perseroan.

.01 .02 .03 .04

Perseroan memiliki strategi mitigasi Risiko Pembiayaan The Company has a Financing Risk mitigation strategy
sebagai risiko utama Perseroan. Strategi mitigasi risiko as the Company’s main risk. The financing risk
pembiayaan dilakukan oleh Perseroan baik melalui mitigation strategy is carried out by the Company
pengelolaan risiko secara individual maupun pada either through individual risk management or at the
tingkat portofolio pembiayaan. Praktik pengelolaan financing portfolio level. The daily financing risk
risiko pembiayaan sehari-hari dilakukan oleh unit kerja management practice is carried out by the business
bisnis secara terpisah dari unit kerja manajemen risiko, work unit separately from the risk management work
baik secara fungsional maupun pengorganisasiannya. unit, both functionally and organizationally. This step is
Langkah ini dilakukan untuk memastikan adanya taken to ensure the adequacy of the principle of dual
kecukupan prinsip dual control dan segregation of control and segregation of duties.
duties.
Perseroan memastikan adanya kecukupan kebijakan The Company ensures the adequacy of a good financing
penetapan limit risiko pembiayaan yang baik, proses risk limit setting policy, a comprehensive financing
evaluasi risiko pembiayaan secara menyeluruh, risk evaluation process, professional HR support and
dukungan SDM yang profesional, serta kehandalan the reliability of the Company’s risk management
sistem informasi manajemen risiko yang dimiliki oleh information system.
Perseroan.
Proses evaluasi dan peninjauan risiko pembiayaan The process of evaluating and reviewing financing
dilakukan secara berkala. Evaluasi dan peninjauan risk is carried out periodically. Evaluation and review
risiko pembiayaan dilakukan unit kerja bisnis bersama of financing risk is carried out by the business work
dengan unit kerja manajemen risiko, serta dipantau unit and the risk management work unit. It is actively
secara aktif oleh Direksi dan Dewan Komisaris pada monitored by the Board of Directors and the Board of
tataran Komite Manajemen Risiko dan Komite Commissioners at the Risk Management Committee
Pemantau Risiko Perseroan. and the Risk Monitoring Committee of the Company.
Unit kerja manajemen risiko bekerja sama dengan The risk management work unit cooperates with the
unit kerja bisnis, selalu menyempurnakan kebijakan business work unit to always improve the risk appetite
penetapan risk appetite yang tertuang dalam determination policy as stated in the financing policy.
kebijakan pembiayaan. Dengan demikian, pengelolaan Thus, the management of financing risk will be better.
risiko pembiayaan menjadi lebih baik. Selain itu juga In addition, the evaluation of the limits of authority for
dilakukan evaluasi batasan wewenang persetujuan financing approvals is carried out on a regular basis,
pembiayaan secara berkala, sehingga Perseroan so that the Company has a better level of service and
memiliki tingkat pelayanan dan kompetitif yang lebih competitiveness. This step was taken to support healthy
baik. Langkah tersebut dilakukan untuk mendukung business growth and generate sustainable profits while
pertumbuhan bisnis yang sehat dan menghasilkan still observing the principle of prudence.
keuntungan yang berkelanjutan dengan tetap
memperhatikan prinsip kehati-hatian.
Perseroan melakukan proses persetujuan pembiayaan The Company carries out the financing approval process
secara efektif. Efektivitas ini memungkinkan proses effectively. This effectiveness allows the financing
pengambilan keputusan pembiayaan dilakukan decision-making process to be carried out optimally by
secara optimal dengan mendelegasikan wewenang delegating the authority to approve financing from the
persetujuan pembiayaan dari level kantor pusat sampai head office level to operational branch offices.
dengan kantor cabang operasional.

.05 .06 .07
Diagram berikut menggambarkan proses siklus The following diagram illustrates the financing cycle
pembiayaan: process:
Credit Monitoring & Collection

Credit Extention Process
• Repeat order • Quality control & assurance
• Additional order
• Top up • Payment monitoring
• Collateral execution
01
Credit Underwriting Process

Credit Setlement • Credit analysis
• Loan agreement released
• Collateral released
05 02 • Phone verification
• Survey process
• Credit scoring
• Credit committee
04 03
Credit Monitoring & Collection Credit Disbursement &

Process Documentation
• Quality control & assurance • Loan agreement signing
• Payment monitoring • Collateral documentation
• Collateral execution • Loan disbursment
Diagram berikut menggambarkan proses persetujuan The following diagram illustrates the loan origination
pembiayaan (loan origination): process:
Application In Credit Analysis Credit Committee Credit Disbrsement

& Documentation
• Operrational • SC credit prinsipal • Approved or
branch activities • Negative check list rejected • Loan agreement
• Order coming from • Phone verificatioon signing
the suplier. in or & survey process • Colleteral
telesales customer • Credit documentation
recommendation • Loan Disbursement
Note :
Credit Committee location are both in operation branch & head officce
Approval process using both online & offline approval process
Dalam prosesnya, proposal pembiayaan yang In the process, financing proposals submitted by a
diajukan oleh kantor cabang dengan jumlah tertentu certain number of branch offices, both individuals
baik perorangan, maupun korporasi, dievaluasi and corporations, are evaluated independently by the
secara independen oleh unit kerja kredit analis. credit analyst work unit. The goal is to ensure that
Tujuannya, untuk memastikan semua risiko telah all risks have been clearly identified and mitigated,
terindentifikasi dan termitigasi dengan jelas, sehingga so that financing risks can be properly measured. The
risiko pembiayaan dapat terukur dengan baik. submission of financing for a certain amount can be
Pengajuan pembiayaan pada jumlah tertentu dapat the authority of the branch office, in accordance with

.01 .02 .03 .04
menjadi kewenangan kantor cabang, sesuai dengan the delegation of authority received from the head
pendelegasian kewenangan yang diterima dari kantor office. The credit approval authority of branch offices
pusat. Wewenang persetujuan kredit yang dimiliki oleh is reviewed and evaluated periodically.
kantor cabang ditinjau dan dievaluasi secara berkala.
Diagram berikut menggambarkan proses pemantauan The following diagram illustrates the credit monitoring
& collection pembiayaan: & collection process:
Past Due Past Due Past Due Past Due Write off
(-4 till 0 day) (1-30 day) (31-60 day) (61-210day)
Upaya mitigasi risiko pembiayaan dilakukan dalam The Company has made various efforts to mitigate
proses penagihan (collection), eksekusi agunan sampai financing risk in collection process, collateral execution
write off berdasarkan pada lamanya hari tertunggak and write offs based on the length of the edbtors’
debitur melakukan pembayaran kewajiban angsuran. overdue period in paying installment obligations.
Prosedurnya dilakukan melalui peringatan tanggal The procedure is carried out through warning of the
jatuh tempo kewajiban, sampai dengan eksekusi maturity date of the obligation, until the execution
agunan dilakukan sesuai dengan kebijakan yang of the collateral is carried out in accordance with the
berlaku. applicable policy.
Secara berkala, Unit Manajemen Risiko melakukan Periodically, the Risk Management Unit carries out
aktivitas pemantauan kualitas pembiayaan pada activities to monitor the quality of financing for
seluruh portofolio pembiayaan Perseroan. Pemantauan the entire financing portfolio of the Company. This
tersebut merupakan deteksi dini terkait kemungkinan monitoring is an early detection related to the possibility
terjadinya penurunan kualitas pembiayaan akibat of a decline in the quality of financing due to changes
perubahan kondisi pasar, makro ekonomi dan regulasi. in market conditions, macroeconomics and regulations.
Telaah risiko pembiayaan akan diberikan selaras A financing risk review will be provided in line with
dengan rekomendasi dalam bentuk tindakan preventif recommendations in the form of preventive actions
maupun perbaikan kebijakan untuk memitigasi kualitas and policy improvements to mitigate the deteriorating
pembiayaan yang memburuk. quality of financing.
Dari sisi kebijakan, Perseroan memiliki 3 (tiga) tingkatan In terms of policies, the Company has 3 (three)
hirarki yang terdiri dari kerangka kerja, kebijakan dan hierarchical levels consisting of frameworks, policies
prosedur. Hirarki tersebut dirancang untuk memberikan and procedures. The hierarchy is designed to provide
panduan yang lebih jelas, terstruktur dan menyeluruh clearer, more structured and comprehensive guidance
untuk menciptakan konsistensi di seluruh organisasi. to create consistency across the organization.
Perseroan secara berkala juga melakukan peninjauan The Company also periodically reviews and updates
dan perbaruan kebijakan dan prosedur melalui policies and procedures through relevant committees
komite yang relevan untuk mencerminkan perubahan to reflect changes in market conditions, regulations
dalam kondisi pasar, regulasi dan lingkungan bisnis. and the business environment. Successful financing
Keberhasilan pengelolaan risiko pembiayaan dapat risk management can be achieved by implementing
dicapai dengan menerapkan siklus pembiayaan yang a prudent financing cycle. Which starts from offering
prudent. Mulai dari menawarkan produk yang sesuai; a suitable product; identifying the right target

.05 .06 .07
mengidentifikasi target pasar yang tepat, menetapkan market, establishing careful risk acceptance criteria,
kriteria penerimaan risiko yang cermat, menerapkan implementing strong controls in credit initiation and
pengendalian yang kuat dalam inisiasi kredit dan credit approval processes, maintaining a healthy credit
proses persetujuan kredit, mempertahankan portofolio portfolio, and implementing adequate billing systems
kredit yang sehat, serta menerapkan sistem penagihan and recovery practices.
dan praktik pemulihan yang memadai.
Risiko Aset & Liabilitas Assets & Liabilities Risk

Perseroan menyadari adanya risiko yang terjadi akibat The Company is aware of the risks that arise due to the
potensi kegagalan pengelolaan aset dan liabilitas potential failure in the management of the Company’s
Perseroan. Risiko ini dapat menimbulkan kekurangan assets and liabilities. This risk can lead to a shortage of
dana dalam pemenuhan kewajiban Perseroan. funds in fulfilling the Company’s obligations.
Dalam melakukan penilaian risiko aset dan liabilitas, In conducting asset and liability risk assessments,
Perseroan senantiasa memperhatikan hal-hal sebagai the Company always pays attention to the following
berikut: matters:
1. Pengelolaan Aset 1. Asset Management
Secara berkala Perseroan melakukan penilaian aset The Company periodically evaluates assets exposed
yang tereksposes pergerakan tingkat suku bunga, to interest rates, exchange rates and potential
nilai tukar dan potensial kerugiannnya. Perseroan losses. The Company is required to carry out good
dituntut dapat melakukan pengelolaan yang baik management in order to mitigate the decline in
dalam rangka memitigasi penurunan nilai aset asset values due to movements in interest rates and
akibat pergerakan suku bunga dan nilai tukar exchange rates.
tersebut.
2. Pengelolaan liabilitas 2. Liabilities Management
Perseroan melakukan penilaian Liabilitas yang The Company evaluates liabilities exposed to
tereksposes pergerakan tingkat suku bunga, nilai movements in interest rates, exchange rates and
tukar dan potensial kerugianannya. Untuk itu potential losses. To that end, the Company is
Perseroan dituntut dapat melakukan pengelolaan required to carry out good management in order to
yang baik dalam rangka memitigasi kenaikan nilai mitigate the increase in the value of liabilities due
liabilitas akibat pergerakan suku bunga dan nilai to movements in interest rates and exchange rates.
tukar tersebut.
3. Ketidaksesuaian antara aset dan liabilitas 3. Incompatibility of assets and liabilities
Posisi aset dan liabilitas yang terekspose tingkat The position of assets and liabilities exposed to
suku bunga dan nilai tukar harus di kelola dengan interest rates and exchange rates must be managed
baik oleh Perseroan. Baik pada saat jatuh tempo/ properly by the Company, both in maturity/
durasi/repricing gap maupun ketika terjadi duration/repricing gap or a mismatch between
mismatch antara posisi aset dan liabilitas (gapping) asset and liability positions (gapping) which has an
yang berdampak pada tingkat likuiditas Perseroan. impact on the Company’s liquidity level.

Perseroan memiliki strategi mitigasi risiko yang The Company has a risk mitigation strategy that serves
dilakukan Perseroan dalam mengelola risiko aset to manage asset and liquidity risk. In this case, the
dan likuiditas. Dalam hal ini, Financial Planning Financial Planning and Investor Relations Division is
and Investor Relation Division bertanggung jawab responsible for implementing policies, measurement
melakukan pengimplementasian kebijakan, metodologi methodologies, monitoring and reporting on asset

.01 .02 .03 .04
pengukuran, pemantauan dan pelaporan eksposur risiko and liquidity risk exposures, as well as monitoring
aset dan likuiditas, serta memantau kepatuhan terhadap compliance with these guidelines. The Company
pedoman-pedoman tersebut. Perseroan secara berkala periodically evaluates and updates as deemed necessary
melakukan evaluasi dan pembaharuan yang dianggap on each asset and liquidity risk management policy and
perlu atas setiap kebijakan dan prosedur manajemen procedure, which is continuously adjusted to the latest
risiko aset dan likuiditas, yang senantiasa disesuaikan conditions and related regulations.
dengan kondisi terkini dan regulasi terkait.
Selain itu, Perseroan juga melakukan pemantauan In addition, the Company also conducts periodic
berkala terkait kondisi mismatch utamanya terkait monitoring of mismatch conditions, mainly related to
eksposur pergerakan suku bunga di pasar dan kondisi exposure to interest rate movements in the market and
perbedaan re-pricing antara aset dan liabilitas. Stress conditions of re-pricing differences between assets and
Testing juga dilakukan untuk mengevaluasi kapabilitas liabilities. The Company also conducts stress testing to
Perseroan dalam memenuhi kewajiban likuiditas dalam evaluate the Company’s capability to meet liquidity
kondisi krisis. obligations in crisis conditions.
Risiko Operasional Operational Risk

Pada Perseroan, risiko operasional melekat pada For the Company, operational risk is inherent in functional
aktivitas fungsional seperti perkreditan (penyediaan activities such as credit (providing funds), information
dana), teknologi sistem informasi dan sistem informasi system technology and management information systems,
manajemen, serta pengelolaan sumber daya manusia. as well as human resource management.
Dalam hal ini, Perseroan melakukan pengelolaan risiko In this case, the Company manages operational risk by
operasional dengan mengidentifikasi secara sistematis systematically identifying the causes of failure in the
penyebab kegagalan dalam kegiatan operasional organization’s daily operational activities, assessing the
sehari-hari secara fungsional organisasi, menilai risiko risk of loss and taking appropriate action to minimize
kerugian dan mengambil tindakan yang tepat untuk the impact of the loss.
meminimalisir dampak kerugian tersebut.

Perseroan berupaya melakukan peningkatan kualitas The Company seeks to improve the quality of
manajemen risiko operasional secara efektif dan efisien operational risk management effectively and efficiently
untuk mengantisipasi beberapa hal berikut ini: to anticipate the following:
1. Kerugian operasional signifikan yang dialami oleh 1. Significant operational losses experienced by
industri Perusahaan Pembiayaan; Financing Companies industry;
2. Regulasi yang baru dan praktik terbaik dalam 2. New regulations and best practices in Financing
Perusahaan Pembiayaan di Indonesia; Companies in Indonesia;
3. Perubahan yang relatif cepat dalam dunia bisnis; 3. Relatively fast evolution in business environment;
4. Tumbuhnya kebutuhan akan pengukuran kinerja; 4. Increase needs of performance measurement;
5. Perlindungan dan pengembangan terhadap nilai 5. Shareholders’ value protection and development.
pemegang saham.
Terkait hal tersebut, Perseroan berupaya meningkatkan the Company seeks to increase operational risk
kesadaran risiko operasional, serta membentuk awareness, as well as establish an adequate operational
kerangka kerja manajemen risiko operasional, risk management framework, policies and procedures
kebijakan dan prosedur yang memadai serta secara that are consistently applied in the Company.
konsisten diterapkan di Perseroan.

.05 .06 .07
Strategi manajemen risiko operasional dalam Perseroan The operational risk management strategy has been
telah diformulasikan dengan baik dan dipahami secara well formulated and understood evenly. This step
merata. Langkah ini dilakukan untuk membangun was taken to gain awareness of operational risk
kesadaran manajemen risiko operasional pada management in the Company.
Perseroan.
Langkah strategi mitigasi risiko operasional pada Operational risk mitigation strategies are carried out by
Perseroan dilakukan dengan membentuk perangkat establishing the main operational risk tools. These tools
utama risiko operasional. Perangkat tersebut are part of the development of effective operational
merupakan bagian dari pengembangan manajemen risk management.
risiko operasional yang efektif.
Sebagai bagian dari mitigasi risiko operasional, As part of operational risk mitigation, Business
Businesss Continuity Management merupakan Continuity Management is an approach that includes
pendekatan yang mencakup kerangka kerja, frameworks, standard policies and procedures to
kebijakan standar dan prosedur dalam membangun establish resilience and capability, to ensure that the
ketahanan dan kemampuan, demi memastikan bahwa Company’s operations can be recovered quickly in the
operasional Perseroan dapat dipulihkan dengan cepat event of disruption to critical functions, within specified
apabila terjadi gangguan pada fungsi-fungsi kritikal, maximum tolerance limits. Periodically, the Company
sesuai dengan batas toleransi maksimum yang telah conducts crisis simulation and recovery exercises to test
ditentukan. Secara berkala, Perseroan melakukan plans and preparedness for a crisis that may occur.
latihan simulasi krisis dan pemulihan guna menguji
rencana serta kesiapan terhadap krisis yang mungkin
terjadi.
KEBIJAKAN ANTI FRAUD ANTI FRAUD POLICY
Perseroan telah memiliki kebijakan Anti-Fraud sebagai The Company has an Anti-Fraud policy as part of the
bagian dari sinergi mitigasi risiko operasional. Kebijakan operational risk mitigation synergy. This Anti-Fraud
Anti-Fraud ini disusun dalam rangka membangun Policy is prepared to develop reliable and comprehensive
program-program serta pengendalian anti-fraud anti-fraud programs and controls. Through this policy,
yang handal dan komprehensif. Melalui kebijakan ini, principles, strategies and procedures related to fraud
diatur prinsip, strategi dan prosedur terkait fraud yang are regulated and implemented at every organizational
kemudian diimplementasikan pada setiap tingkatan level in the Company. This will encourage the creation
organisasi di Perseroan. Dengan demikian akan of high standards of integrity.
mendorong terciptanya standar integritas yang tinggi.
Implementasi strategi untuk memerangi fraud pada The Company implements various strategies to combat
Perseroan dilakukan dengan pencegahan, deteksi dini, fraud in the Company by means of prevention, early
investigasi dan perbaikan yang diperlukan. Perseroan detection, investigation and necessary improvement.
menerapkan zero tolerance fraud terhadap karyawan The Company implements zero tolerance fraud
yang terbukti melakukan atau mendukung fraud. against employees who are proven to have committed
Dalam pelaksanaannya, kebijakan Anti-Fraud menjadi or supported fraud. The Anti-Fraud policy is the
tanggung jawab seluruh karyawan tanpa terkecuali. responsibility of all employees altogether. The Company
Perseroan juga melakukan kampanye Anti-Fraud secara also conducts Anti-Fraud campaigns continuously and is
terus menerus dan dipublikasikan kepada seluruh published to all levels of the Company’s organization.
jenjang organisasi Perseroan.

.01 .02 .03 .04
Perseroan mewujudkan budaya manajemen risiko The Company actualizes a strong operational risk
operasional yang kuat melalui program pembelajaran management culture through structured operational
dan kesadaran risiko operasional yang terstruktur. risk learning and awareness programs. The operational
Budaya manajemen risiko operasional tersebut risk management culture is an integral part of good
merupakan bagian tidak terpisahkan dari tata kelola corporate governance.
perusahaan yang baik.
Faktor Penilaian Peringkat

No
Assessment Factor Rating
1 GCG 2
Profil Risiko
2 2
Risk Profile
Rentabilitas
3 2
Earnings
Permodalan
4 1
Capital
Peringkat Tingkat Kesehatan Perusahaan
PK-2
Company Soundness Level Rating

Pernyataan Direksi dan/atau dewan Komisaris atau Statement of Board of Directors and/or Board of
Komite Audit atas Kecukupan Sistem Manajemen Commissioners or Audit Committee on Adequacy of
Risiko: Risk Management System:
Terkait dengan pelaksanaan kegiatan Manajemen In relation to the implementation of Risk Management
Risiko yang dilakukan Perseroan, Direksi dan Dewan activities, the Board of Directors and the Board of
Komisaris menyatakan Kecukupan Sistem Manajemen Commissioners declare the Adequacy of the Company’s
Risiko Perseroan dalam mengelola risiko yang mungkin Risk Management System in managing risks that may
terjadi. occur.
Kegiatan Penerapan Manajemen Risiko Perusahaan Implementation of Corporate Risk Management Activity
Selama tahun 2021 Perseoran telah melaksanaan tata During 2021 the Company has implemented the
kelola manajemen risiko sebagai berikut: following risk management governance:
1. Pengawasan Aktif Dewan Komisaris, Direksi dan 1. Active supervision by the Board of Commissioners,
DPS Directors and DPS
- Dewan Komisaris memiliki pemahaman - The Board of Commissioners has a good
yang baik dan senantiasa menjalankan understanding and always carries out a
fungsi pengawasan terhadap kinerja dan supervisory function on the performance and
pengelolaan risiko perusahaan, pengawasan risk management of the company, oversees
atas audit internal dan eksternal termasuk hasil internal and external audits including the
temuannya serta memastikan pengungkapan findings and ensures timely disclosure of
informasi yang tepat waktu sesuai dengan information in accordance with applicable
aturan yang berlaku. regulations.
- Direksi bertanggung jawab atas pengelolaan - The Board of Directors is responsible for day-
risiko sehari-hari termasuk melakukan formulasi today risk management including formulating
dan eksekusi rencana bisnis (anggaran), and executing business plans (budgets),
pencapaian anggaran, pengaturan kebijakan, achieving the budget, managing policies,

.05 .06 .07
pengelolaan dan pemantauan risiko serta managing and monitoring risks and company
sumber daya perusahaan. Sasaran dan strategi resources. The company’s goals and strategies
perusahaan tercantum dalam anggaran are listed in the company’s budget, which in
perusahaan dimana dalam penyusunannya its preparation has considered internal and
telah mempertimbangkan faktor internal dan external factors including the company’s ability
eksternal termasuk kemampuan perusahaan to manage risk.
dalam mengelola risiko.
- Dewan Pengawas Syariah melakukan supervisi - Sharia Supervisory Board supervises all business
atas segala aktivitas usaha pembiayaan syariah activities of sharia financing. DPS members
perusahaan. Anggota DPS bertindak sebagai act as corporate advisors and consultants to
penasehat dan konsultan perusahaan bagi the Directors and Sharia Business Units of the
Direksi dan Unit Usaha Syariah perusahaan. company.
Dalam hal aktivitas pengawasan dan pengelolaan In terms of company risk monitoring and management
risiko perusahaan, Dewan Komisaris dan Direksi activities, the Board of Commissioners and Directors
terlibat aktif dalam Risk Oversight Committee (ROC) are actively involved in the Risk Oversight Committee
dan Risk Management Committee (RMC) dengan (ROC) and Risk Management Committee (RMC) with a
frekuensi pertemuan masing-masing minimal frequency of meeting at least 4 (four) times a year.
4 (empat) kali setahun.
2. Kecukupan kebijakan, prosedur dan penetapan 2. Adequacy of policies, procedures and determination
limit risiko. of risk limits
Perseroan telah Pedoman Penerapan Manajemen The Company has a risk management policy set out
Risiko (PPMR) sebagai wujud kebijakan manajemen in the Guidelines for the Implementation of Risk
risiko, termasuk penetapan batas wewenang Management (PPMR), including setting limits on
memutus. Penetapan limit risiko diantaranya decision authority. The policy is considered to have
tertuang melalui anggaran parameter operasional covered all types of company risk in the framework of
perusahaan per segmen produk pembiayaan. a Financing Company. The determination of risk limits
Kecukupan kebijakan, prosedur dan limit risiko includes the budget for operational parameters of
tersebut secara berkala dan terus menerus dilakukan the company per segment of financing products. The
review dan penyempurnaan menyesuaikan arah adequacy of these policies, procedures and risk limits
bisnis serta kondisi perubahan faktor-faktor is periodically and continuously reviewed and refined
internal dan eksternal yang mempengaruhi tingkat to adjust the business direction and the changing
risiko perusahaan. conditions of internal and external factors that affect
the level of risk of the company.
3. Proses identifikasi, pengukuran, pemantauan dan 3. The process of identifying, measuring, monitoring
pengendalian risiko and controlling risk
Untuk melakukan identifikasi dan pengukuran The Company has implemented Credit Scoring,
tingkat risiko kredit dan risiko operasional, Risk Control & Self Assessment, Key Risk Indicators
Perseroan mengimplementasikan Credit Scoring, and Loss Even Database in terms of identifying and
Risk Control & Self Assessment, Key Risk Indicator dan measuring the level of credit risk and operational
Loss Even Database. Pemantauan risiko dilakukan risk. Risk monitoring is carried out monthly through
secara bulanan melalui Portfolio Management the Portfolio Management Report and Operational
Report dan Operasional Risk Dashboard termasuk Risk Dashboard including the company’s Risk
didalamnya proses pemantauan Risk appetite appetite monitoring process. The Risk Management
perusahaan. Satuan kerja Risk Management work unit on an ongoing basis ensures the adequacy

.01 .02 .03 .04
secara berkelanjutan memastikan kecukupan of the company’s risk identification, measurement,

proses identifikasi, pengukuran, pemantauan dan monitoring and control processes.
pengendalian risiko perusahaan.
4. Sistem informasi manajemen risiko 4. Risk management information system

Ketersediaan sistem informasi yang memadai The availability of an adequate information system
merupakan faktor penunjang utama dalam rangka is a major supporting factor in the framework of
proses manajemen risiko secara komprehenshif. a comprehensive risk management process. Early
Pendeteksian tingkat risiko secara dini akan sangat detection of the level of risk will be very useful in
berguna dalam hal menekan potensi kerugian terms of reducing the potential loss of the company
perusahaan yang akan terjadi serta pengambilan that will occur and decision making can be done
keputusan dapat dilakukan secara cepat dan tepat quickly and accurately in an effort to mitigate
dalam upaya proses mitigasi risiko. Perusahaan the risk process. The company is very concerned
sangat concern akan pentingnya sistem informasi about the importance of a good risk management
manajemen risiko yang baik sehingga upaya information system so that improvement efforts are
menyempurnakan dilakukan secara berkelanjutan. carried out on an ongoing basis.
5. Sistem pengendalian internal yang menyeluruh 5. A comprehensive internal control system

Sistem pengendalian internal dinilai cukup efektif The internal control system is considered quite
dalam mendukung pelaksanaan manajemen effective in supporting the implementation of
risiko. Secara struktur organisasi, evaluasi proses risk management. Structurally, the evaluation of
pengendalian internal dilakukan oleh Divisi the internal control process is carried out by the
Audit Internal untuk memastikan bahwa sistem Internal Audit Division to ensure that the internal
pengendalian internal telah berjalan secara efektif control system has been running effectively and
dan memadai. Proses review oleh Divisi Audit adequately. The review process by the Internal
Internal secara berkala dengan cakupan aspek Audit Division on a regular basis with the scope of
pemeriksaan yang telah ditentukan sebelumnya. the audit aspects that have been predetermined.
Hasil audit menjadi salah satu dasar penyempurnaan Audit results become one of the bases for improving
kebijakan perusahaan. company policy.
Di luar dari kerangka kerja Manajemen Risiko di On top from the above Risk Management framework,
atas, Perusahaan melakukan uji coba laporan dan the Company is conducting test on report and the
ketersediaan data Tingkat Kesehatan Perusahaan availability of data regarding the Soundness of
Pembiayaan dengan mempertimbangkan dampak Financing Companies by considering the impact of the
pandemi Covid-19 yang masih terus berlanjut. ongoing Covid-19 pandemic. The Company continues
Perusahaan terus fokus pada kebijakan program to focus on the policy of a credit relaxation program
relaksasi kredit untuk debitur yang terdampak langsung for borrowers who have been directly affected by the
pandemi Covid-19. Covid-19 pandemic.

.05 .06 .07
Penerapan Manajemen Risiko Perusahaan Tahun 2022 Implementation of Corporate Risk Management in 2022
Di tahun 2022, Perseoan akan membuat langkah In 2022, the Company will make improvement steps
perbaikan dengan berpedoman tahun sebelumnya based on the previous year’s guidelines which can be
yang dapat dijelaskan sebagai berikut: explained as follows:
1. Menyesuaikan kebijakan dan prosedur penerapan 1. Adjust policies and procedures for implementing
manajemen risiko sesuai dengan peraturan yang risk management in accordance with prevailing
berlaku. regulations.
2. Memperbaiki kualitas penerapan manajemen 2. Improve the quality of risk management
risiko, terutama pada sisi kecukupan kebijakan implementation, especially in terms of the
dan prosedur, proses identifikasi, pengukuran, adequacy of policies and procedures, the process of
pemantauan dan pengendalian risiko, serta sistem identifying, measuring, monitoring and controlling
informasi manajemen risiko. risks and risk management information systems.
3. Menyempurnakan Laporan Tingkat Kesehatan 3. Improve the Company’s Soundness Report, related
Perusahaan, terkait limit risiko, risiko yang melekat to risk limits, risks inherent in the Company’s
pada kegiatan usaha (inherent risk) Perusahaan business activities (inherent risk) and the quality of
dan kualitas penerapan manajemen risiko. risk management implementation.
4. Mempertahankan nilai komposit profil risiko 4. Maintain the composite value of the Company’s risk
Perusahaan di tahun 2021 yang berada ditingkat profile in 2020 which is at the “PK-1” level of the
“PK-1” versi penilaian Tingkat Kesahatan Bank Bank’s Soundness Rating version adjusted for the
yang disesuaikan terhadap anak Perusahaan (bank) subsidiary (bank) and the “PK-2” level for the LJKNB
dan tingkat “PK-2” untuk versi penilaian Tingkat Corporate Soundness Level assessment version.
Kesehatan Perusahaan LJKNB.
5. Penguatan sistem informasi manajemen risiko 5. Strengthen the risk management information
terutama menyempurnakan data warehouse dan system, especially perfecting data warehouse
sistem pelaporan/monitoring yang handal guna and a reliable reporting/ monitoring system to
menunjang peningkatan kinerja Perusahaan dalam support the Company’s performance enhancement
melakukan aktivitas bisnis serta penguatan pada in conducting the business activities as well as
proses pemantauan risiko Perusahaan yang lebih strengthening the Company risk monitoring
komprehenshif. activities that are more comprehensive.
6. Fokus pada pengembangan SDM yang beritegritas 6. Focus on developing high integrity human resources
tinggi dan memiliki kualitas serta kompetensi. with quality and competency. Improvement of the
Perbaikan proses rekruitmen, program pelatihan recruitment process, good training programs and
yang baik dan ketersediaan infrastruktur availability of adequate supporting infrastructure.
pendukung yang memadai.

.01 .02 .03 .04
Perkara Hukum
Litigation Case
Sepanjang 2021, Perseroan terlibat dalam 23 (dua Throughout 2021, the Company was involved in 23
puluh tiga) Perkara yang masih dalam proses baik (twenty three) Lawsuit cases that are still in process,
dalam kedudukannya sebagai Penggugat, Tergugat, as Plaintiffs, Defendants, Appellant, Appellee,
Pemohon, Termohon, Pelapor dalam Perkara Whistleblowers in Industrial Relations Case (labor),
Hubungan Industrial (Perburuhan), Perkara Perdata, Civil Cases, Criminal Cases and Taxes, which consist of:
Perkara Pidana maupun Perpajakan, yang terdiri dari: 6 6 (six) Industrial Relations Cases, 16 (sixteen) Civil Cases,
(enam) Perkara Hubungan Industrial, 16 (enam belas) 1 (one) Criminal Case, and 0 (Zero) Tax Case.
Perkara Perdata, 1 (satu) Perkara Pidana, dan 0 (nol)
Perkara Pajak.
Adapun perincian perkara hukum yang dihadapi The details of the lawsuit throughout 2021 are as
Perseroan sepanjang tahun 2021 adalah sebagai follows:
berikut:
Pokok Perkara/Gugatan Status Perkara/Gugatan Pengaruh terhadap Kondisi Perusahaan

No
Lawsuit Lawsuit Status Impact on the Company
Perkara antara Hendri Syahputra

(“Penggugat”) melawan Perseroan
(“Tergugat”) dengan Nomor Perkara
Tidak berdampak secara material
366/Pdt.Sus-PHI/2017/PN.Mdn di
terhadap kondisi keuangan Perusahaan.
Pengadilan Hubungan Industrial pada
Proses Kasasi
1 Pengadilan Negeri Medan
Cassation Appeal Process Has no material impact on the Company’s
Case between Hendri Syahputra (“Plaintiff”)
financial condition
against the Company (“Defendant”) with
Case Number 366/Pdt.Sus-PHI/2017/PN.Mdn
in the Industrial Relations Court at the
Medan District Court
Perkara antara Indra Kadullah
(“Tergugat”) dengan Nomor Perkara 18/
Pdt.Sus-PHI/2021/PN.Gto di Pengadilan
Hubungan Industrial Pada Pengadilan
Proses Kasasi
2 Negeri Gorontalo
Case between Indra Kadullah (“Plaintiff”)
financial condition
against the Company (“Defendant”) with
Case Number 18/Pdt.Sus-PHI/2021/PN.Gto
in the Industrial Relations Court at the
Gorontalo District Court
Perkara antara Wira Herdianto
(“Tergugat”) dengan Nomor Perkara 35/
Pdt.Sus-PHI/2021/PN.Srg di Pengadilan
Hubungan Industrial Pada Pengadilan
Proses Kasasi
3 Negeri Serang.
Case between Wira Herdianto ("Plaintiff")
financial condition
against the Company ("Defendant") with
Case Number 35/Pdt.Sus-PHI/2021/PN.Srg in
the Industrial Relations Court at the Serang
District Court.

.05 .06 .07

No
Perkara antara Dores Hotmartua

Pasaribu (“Penggugat”) melawan
Perseroan (“Tergugat”) dengan Nomor Proses persidangan pada
Perkara: 444/Pdt.Sus-PHI/2021/PN Jkt.Pst Pengadilan Hubungan
di Pengadilan Hubungan Industrial Pada Industrial Pada Pengadilan
4 Pengadilan Negeri Jakarta Pusat Negeri Jakarta Pusat
Has no material impact on the Company’s
Case between Dores Hotmartua Pasaribu The trial process in the Industrial
financial condition
(Plaintiff) against the Company (Defendant) Relations Court of the Central
with Case Number: 444/Pdt.Sus-PHI/2021/PN Jakarta District Court
Jkt.Pst in the Industrial Relations Court at the
Central Jakarta District Court
Perkara antara Karnadi (Penggugat)
melawan Perseroan (Tergugat) dengan Proses persidangan pada
Nomor Perkara: 154/Pdt.Sus-PHI/2021/PN Pengadilan Hubungan
Srg di Pengadilan Hubungan Industrial Industrial Pada Pengadilan
5 Pada Pengadilan Negeri Serang Negeri Serang
Case between Karnadi (Plaintiff) against the The trial process in the Industrial
financial condition
Company (Defendant) with Case Number: Relations Court of the Serang
154/Pdt.Sus-PHI/2021/PN Srg in the Industrial District Court
Relations Court at the Serang District Court
Perkara antara Ari Oktavianus
(Penggugat) melawan Perseroan
(Tergugat) dengan Nomor Perkara: 302/ Proses persidangan pada
Pdt.Sus-PHI/2021/PN Bdg di Pengadilan Pengadilan Hubungan
Hubungan Industrial Pada Pengadilan Industrial Pada Pengadilan
6 Negeri Bandung Negeri Bandung
Case between Ari Oktavianus (Plaintiff) The trial process in the Industrial
financial condition
against the Company (Defendant) with Relations Court of the Bandung
Case Number: 302/Pdt.Sus-PHI/2021/PN District Court
Bdg in the Industrial Relations Court at the
Bandung District Court
Perkara antara Dwimoko Bardiyanto
(Tergugat) dengan Nomor Perkara 225/
Pdt.G/2018/PN.Skt di Pengadilan Negeri
Proses Kasasi
7 Surakarta
Case between Dwimoko Bardiyanto
financial condition
(Plaintiff) against the Company (Defendant)
with Case Number 225/Pdt.G/2018/PN.Skt at
the Surakarta District Court
Perkara antara Dippu Sahala
Simanjuntak (Penggugat) melawan
Perseroan (Tergugat) dengan Nomor Tidak berdampak secara material
247/Pdt.G/2019/PN.Lbp di Pengadilan terhadap kondisi keuangan Perusahaan.
Proses Kasasi
8 Negeri Lubuk Pakam
Cassation Appeal Process
Case between Dippu Sahala Simanjuntak Has no material impact on the Company’s
(Plaintiff) against the Company (Defendant) financial condition
Number 247/Pdt.G/2019/PN.Lbp at the
Lubuk Pakam District Court
Perkara antara Gilang Wahyudi
(Tergugat) dengan Nomor 12/
Pdt.G/2020/PN.Byw di Pengadilan Negeri
Proses Kasasi
9 Banyuwangi
Case between Gilang Wahyudi (Plaintiff)
financial condition
against the Company (Defendant) with
Number 12/Pdt.G/2020/PN.Byw at the
Banyuwangi District Court

.01 .02 .03 .04

No
Perkara antara Sri Liani (Penggugat)

melawan Perseroan (Tergugat) dengan Tidak berdampak secara material
Nomor Perkara 34/Pdt.G/2020/PN.Tlg di terhadap kondisi keuangan Perusahaan.
Pengadilan Negeri Tulungagung. Proses Kasasi
10
Case between Sri Liani (Plaintiff) against the Cassation Appeal Process Has no material impact on the Company’s
Company (Defendant) with Case Number financial condition
34/Pdt.G/2020/PN.Tlg at the Tulungagung
District Court.
Perkara antara Prihantara Putra (Non
Nasabah/Pihak Ketiga) melawan:
Tergugat-1 = Perseroan
Tergugat-2 = Ade Komilah (Nasabah)
Tergugat-3 = Achmad Rozak
dengan Nomor Perkara 8/Pdt.G/2021/PN Proses Pengadilan Negeri
terhadap kondisi keuangan Perusahaan
Bdg di Pengadilan Negeri Bandung. Bandung
11
Case between Prihantara Putra (Non District Court Process in
Customer/Third Party) against: Bandung
financial condition
Defendant-1 = the Company
Defendant-2 = Ade Komilah (Customer)
Defendant-3 = Achmad Rozak with Case
Number 8/Pdt.G/2021/PN Bdg at the
Bandung District Court.
Perkara antara Tajali (Non Nasabah/Pihak
Ketiga) melawan:
Tergugat-1 = Ahmad Rozaini/Ozai
dengan nomor perkara: 18/Pdt.G/2021/ Tidak berdampak secara material
Proses Pengadilan Negeri
PN.Bjb di Pengadilan Negeri Banjarbaru. terhadap kondisi keuangan Perusahaan
Banjarbaru.
12
District Court Process in
Case between Tajali (Non Customer/Third Has no material impact on the Company’s
Banjarbaru
Party) against: financial condition
Defendant-1 = Ahmad Rozaini/Ozai
with case number: 18/Pdt.G/2021/PN.Bjb at
the Banjarbaru District Court.
Perkara antara Siti Rahma (Penggugat)
melawan:
Tergugat-2 = Herdiyanto Pakaya
dengan nomor perkara: 32/Pdt.G/2021/ Proses Pengadilan Negeri
terhadap kondisi keuangan Perusahaan
PN.Gto di Pengadilan Negeri Gorontalo. Gorontalo.
13
Case between Siti Rahma (Plaintiff) against: Gorontalo
financial condition
Defendant-2 = Herdiyanto Pakaya
with case number: 32/Pdt.G/2021/PN.Gto at
the Gorontalo District Court.

.05 .06 .07

No
Perkara antara: Nur Falah (Pengguat)

melawan:
Tergugat-2 = PT Gaja Sakti Mandiri
Turut Tergugat = Perseroan
dengan Nomor Perkara: 26/Pdt.G/2021/ Tidak berdampak secara material
PN. Pbg di Pengadilan Negeri terhadap kondisi keuangan Perusahaan
Purbalingga.
14 Purbalingga.
Purbalingga
Case between Nur Falah (Plaintiff) against: financial condition
Defendant-2 = PT Gaja Sakti Mandiri
Co-Defendant = the Company
with Case Number: 26/Pdt.G/2021/PN. Pbg
at the Purbalingga District Court.
Perkara antara: Eva Yulianita
(Tergugat) dengan Nomor Perkara:
123/Pdt.G/2021/PN. Srg di Pengadilan
Proses Pengadilan Negeri terhadap kondisi keuangan Perusahaan
Negeri Serang.
15 Serang.
Case between:
District Court Process in Serang Has no material impact on the Company’s
Eva Yulianita (Plaintiff) against the Company
financial condition
(Defendant) with Case Number: 123/
Pdt.G/2021/PN. Srg at the Serang District
Court.
Perkara antara: Mardiyanto (Penggugat)
melawan Perseroan (Tergugat) dengan
nomor perkara: 32/Pdt.G.S/2021/PN.Pdg Tidak berdampak secara material
di Pengadilan Negeri Padang. Proses Keberatan di terhadap kondisi keuangan Perusahaan
16 Case between: Pengadilan Negeri Padang.
Mardiyanto (Plaintiff) against the Company District Court Process in Padang Has no material impact on the Company’s
(Defendant) with case number: 32/ financial condition
Pdt.G.S/2021/PN.Pdg at the Padang District
Court.
Perkara antara: Eni (Penggugat)
nomor perkara: 345/Pdt.G/2021/PN Btm,
di Pengadilan Negeri Batam
17 Batam.
Case between: Eni (Plaintiff) against the
District Court Process in Batam Has no material impact on the Company’s
Company (Defendant) with case number:
financial condition
345/Pdt.G/2021/PN Btm, at the Batam
District Court

.01 .02 .03 .04

No
Perkara antara: Perseroan (Pelawan)

melawan Kejaksaan Negeri Indragiri
Hulu (Terlawan) dengan Nomor Perkara:
35/Pdt.Bth/2021/PN. Rgt di Pengadilan
Proses Pengadilan Negeri terhadap kondisi keuangan Perusahaan.
Negeri Rengat.
18 Rengat.
Case between: the Company (Plaintiff)
District Court Process in Rengat Has no material impact on the Company’s
against the District Attorney of Indragiri
financial condition
Hulu (Opponent) with Case Number: 35/
Pdt.Bth/2021/PN. Rgt at the Rengat District
Court.
Perkara antara: Tuti Sari (Penggugat)
Nomor Perkara: 2/Pdt.G.S/2021/PN Stb di
Proses Pengadilan Negeri terhadap kondisi keuangan Perusahaan.
Pengadilan Negeri Stabat.
19 Stabat.
Case between: Tuti Sari (Plaintiff) against the
District Court Process in Stabat Has no material impact on the Company’s
Company (Defendant) with Case Number:
financial condition
2/Pdt.G.S/2021/PN Stb in the Stabat District
Court.
Perkara antara: Perseroan (Penggugat)
melawan:
Tergugat-1 = Gunawan
Tergugat-2 = Resti Yuli Astutik dengan Tidak berdampak secara material
Nomor Perkara: 157/Pdt.G.S/2021/PN Byw Proses Pengadilan Negeri terhadap kondisi keuangan Perusahaan.
di Pengadilan Negeri Banyuwangi. Banyuwangi.
20
Case between: the Company (Plaintiff) District Court Process in
against: Banyuwangi Has no material impact on the Company’s
Defendant-1 = Gunawan financial condition
Defendant-2 = Resti Yuli Astutik
with Case Number: 157/Pdt.G.S/2021/PN
Byw at the Banyuwangi District Court.
Perkara antara Perseroan (Penggugat)
melawan:
Tergugat-1 = Pandriadi
Tergugat-2 = Lelwi Sustriani Tidak berdampak secara material
dengan Nomor Perkara: 13/Pdt.G.S/2021/ Proses Pengadilan Negeri terhadap kondisi keuangan Perusahaan.
21 PN Lht di Pengadilan Negeri Lahat. Lahat.
Civil Case of Simple Lawsuits between District Court Process in Lahat Has no material impact on the Company’s
Defendant-1 = Pandriadi financial condition
Defendant-2 = Lelwi Sustriani
with Case Number: 13/Pdt.G.S/2021/PN Lht
in the Lahat District Court.

.05 .06 .07

No
Perkara antara: Perseroan (Penggugat)

melawan:
Tergugat-1 = Iswanto
Tergugat-2 = Nunung Herlina
dengan Nomor Perkara: 110/ Tidak berdampak secara material
Pdt.G.S/2021/PN Mre di Pengadilan terhadap kondisi keuangan Perusahaan.
Muara Enim.
22 Negeri Muara Enim.
District Court Process in Muara
Civil Case of Simple Lawsuits between: the Has no material impact on the Company’s
Enim
Company (Plaintiff) against: financial condition
Defendant-1 = Iswanto
Defendant-2 = Nunung Herlina
with Case Number: 110/Pdt.G.S/2021/PN
Mre at the Muara Enim District Court.
Perkara Nomor: 781/Pid.B/2021/PN Jmb
di Pengadilan Negeri Jambi dengan
Terdakwa sdr. Feri Firmansyah Suhada
Bin Muhammad Husein.
23 Jambi.
Criminal Case Number: 781/Pid.B/2021/
District Court Process in Jambi Has no material impact on the Company’s
PN Jmb at the Jambi District Court with the
financial condition
Defendant Mr. FIRMANSYAH SUHADA FERI
MUHAMMAD HUSEIN.
Selama tahun 2021, tidak terdapat perkara yang During 2021, there were no cases that were categorized
berkategori penting/material dan/atau yang dapat as important/material and/or that could affect the
mempengaruhi kinerja yang dihadapi oleh Perseroan. performance of the Company.
PERKARA PENTING DI LUAR ASPEK HUKUM IMPORTANT MATTER OUTSIDE LEGAL ASPECT
Tidak terdapat perkara penting di luar aspek hukum The Company did not face any important case outside
yang dihadapi Perusahaan sepanjang tahun 2021, of the legal aspects in 2021, related to the Company,
baik yang menyangkut Perusahaan, Dewan Komisaris the Board of Commissioners and the Board of Directors.
maupun Direksi.
SANKSI ADMINISTRASI ADMINISTRATIVE SANCTIONS
Selama tahun 2021, tidak terdapat sanksi administratif During 2021, there were no material administrative
yang material dari otoritas terkait yang mempengaruhi sanctions from the relevant authorities that affected the
kelangsungan usaha Perseroan maupun sanksi continuity of the Company's business or administrative
administratif yang dikenakan kepada anggota Direksi sanctions imposed on members of the Board of Directors
dan/atau anggota Dewan Komisaris dari otoritas and/or members of the Board of Commissioners from
terkait. the relevant authorities.

.01 .02 .03 .04
Akses Informasi dan Data Perusahaan

Information Access and Company Data
Perseroan berkomitmen menerapkan prinsip The Company is committed to implementing the

transparansi kepada pemegang saham dan segenap principle of transparency to shareholders and all
pemangku kepentingan dengan menyediakan akses stakeholders by providing adequate access and
dan sarana informasi yang memadai. information facilities.
Selama tahun 2021, Perseroan selalu menyediakan During 2021, the Company always provided
informasi penting dan data perusahaan yang important information and company data that
membutuhkan sosialisasi kepada publik baik melalui requires socialization to the public both through the
website Perusahaan (dalam bahasa Indonesia dan Company's website (in Indonesian and English) and
Inggris) dan prehensif kepada pemegang saham serta comprehensively to shareholders and all stakeholders.
seluruh pemangku kepentingan.
AKSES INFORMASI PERUSAHAAN INFORMATION ACCESS COMPANY
Akses informasi dan data Perusahaan kepada publik Access to Company information and data to the public
secara eksternal dapat diakses melalui situs web resmi externally can be accessed through the Company’s
Perusahaan, media cetak, forum komunikasi internal official website, print media, internal communication
dan media elektronik lainnya. forums and other electronic media.
+628041123888 http://www.wom.co.id corporate_secretary@wom.co.id
KORESPONDENSI DAN LAPORAN BERKALA CORRESPONDENCE AND PERIODIC REPORTS
Informasi keuangan dan non keuangan dari Perusahaan Financial and non-financial information from the
telah disusun dan dilaporkan secara transparan Company has been compiled and reported transparently
kepada pemegang saham, pemangku kepentingan to shareholders, stakeholders and other institutions
dan lembaga lain yang dipersyaratkan. Informasi as required. Information is reported and presented
dilaporkan dan disajikan sesuai target waktu, dengan according to the target time and in a complete and
lengkap dan akurat, terkini, utuh dan memadai sesuai accurate, current and adequate manner in accordance
dengan tata cara, jenis dan cakupan sebagaimana with the procedures, types and scopes as stipulated
diatur dalam ketentuan tentang Transparansi Kondisi in the provisions concerning Transparency of the
Keuangan Perusahaan. Company’s Financial Condition.

.05 .06 .07
Informasi dipaparkan melalui laporan-laporan sebagai Information is presented through the following reports:
berikut:
Korespondensi dengan OJK dan BEI

Correspondence with OJK and IDX
Tanggal Surat Nomor Surat Perihal

Regulator
Letter Date Reference Number Subject
Otoritas Jasa Keuangan

Financial Fervices Authority
Penyampaian Realisasi Pencapaian Target Rasio Saldo Piutang
Pembiayaan (Outstanding Principal) Neto terhadap Total
05 Januari 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 003/I/CS/2021
January 05, 2021 Submission of Realization of Achievement of the Net Target
Outstanding Principal Ratio to Total Funding of PT Wahana Ottomitra
Multiartha Tbk
Pendanaan PT Wahana Ottomitra Multiartha Tbk (Unit Usaha
05 Januari 2021
OJK 004/I/CS/2021 Syariah)
January 05, 2021
Submission of Realization of Achievement of the Net Target
Multiartha Tbk (Sharia Business Unit)
Laporan Pelaksanaan Penggunaan Tenaga Kerja Asing (TKA)
PT Wahana Ottomitra Multiartha Tbk (Perusahaan) Periode
07 Januari 2021
OJK 0010/I/DIR-WOM/2021 Tahun 2020
January 07, 2021
Report on the Implementation of the Use of Foreign Workers (TKA)
PT Wahana Ottomitra Multiartha Tbk (the Company) for 2020 Period
Penyampaian Laporan Penyaluran Pembiayaan kepada Debitur
yang Terkena Dampak Penyebaran Covid-19 dan Dinilai
Berdasarkan Ketepatan Pembayaran Serta Penyampaian
Laporan Restrukturisasi Pembiayaan kepada Debitur yang
21 Januari 2021
OJK 0120/I/DIR-WOM/2021 Terkena Dampak Penyebaran Covid-19
January 21, 2021
Submission of Funding Distribution Disbursement Reports to Debtors
Affected by the Spread of Covid-19 and Assessed Based on the
Accuracy of Payment and Submission of Financing Restructuring
Reports to Debtors Affected by the Spread of Covid-19
Penyampaian Bukti Sertifikat Pihak Utama PT Wahana
Ottomitra Multiartha Tbk (Perseroan) sebagai Pemenuhan
26 Januari 2021 Syarat Berkelanjutan Pihak Utama Perseroan Tahun 2020
OJK 0147/I/DIR-WOM/2021
January 26, 2021 Submission of Proof of Main Party Certificate of PT Wahana Ottomitra
Multiartha Tbk (the Company) as the Company's Main Party
Sustainability Fulfillment in 2020
Laporan Penggantian Pimpinan Unit Usaha Syariah PT Wahana
28 Januari 2021 Ottomitra Multiartha Tbk (UUS Perseroan)
OJK 0160/I/DIR-WOM/2021
January 28, 2021 Report on the Replacement of the Head of the Sharia Business Unit of
PT Wahana Ottomitra Multiartha Tbk (the Company UUS)
Penyampaian Laporan Realisasi Rencana Bisnis Tahunan 2020
29 Januari 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 016/I/CS/2021
January 29, 2021 Submission of the 2020 Annual Business Plan Realization Report of
Penyampaian Laporan Realisasi Rencana Bisnis Tahunan 2020
29 Januari 2021 Unit Usaha Syariah PT Wahana Ottomitra Multiartha Tbk
OJK 017/I/CS/2021
January 29, 2021 Submission of the 2020 Annual Business Plan Realization Report for
the Sharia Business Unit of PT Wahana Ottomitra Multiartha Tbk

.01 .02 .03 .04

Regulator
Penyampaian Laporan Pengawasan Rencana Bisnis Tahunan

29 Januari 2021 2020 PT Wahana Ottomitra Multiartha Tbk
OJK 018/I/CS/2021
January 29, 2021 Submission of the 2020 Annual Business Plan Supervision Report of
Penyampaian Laporan Pengawasan Rencana Bisnis Tahunan
29 Januari 2021 2020 Unit Usaha Syariah PT Wahana Ottomitra Multiartha Tbk
OJK 019/I/CS/2021
January 29, 2021 Submission of the 2020 Annual Business Plan Supervision Report for
the Sharia Business Unit of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Laporan Rencana Tahunan Pendidikan dan
01 Februari 2021 Pelatihan PT Wahana Ottomitra Multiartha Tbk Tahun 2021
OJK 022/II/CS/2021
Februrary 01, 2021 Submission of the 2021 Annual Education and Training Plan of
05 Februari 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 027/II/CS/2021
February 05, 2021 Submission of Realization of Achievement of the Net Outstanding
Principal Ratio to Total Funding of PT Wahana Ottomitra Multiartha
Tbk
Penyampaian Realisasi Pencapaian Target Rasio Saldo
Piutang Pembiayaan (Outstanding Principal) Neto terhadap
Total Pendanaan PT Wahana Ottomitra Multiartha Tbk (Unit
05 Februari 2021
OJK 028/II/CS/2021 Usaha Syariah)
February 05, 2021
Submission of Realization of Achievement of the Net Outstanding
Tbk (Sharia Business Unit)
Penyampaian Laporan Bulanan Registrasi Pemegang Efek per
02 Februari 2021 Januari 2021 PT Wahana Ottomitra Multiartha Tbk (Koreksi)
OJK 029/II/CS/2021
February 02, 2021 Submission of Monthly Report on Securities Holder Registration as of
January 2021 PT Wahana Ottomitra Multiartha Tbk (Correction)
Pemberitahuan Rencana Penyelenggaraan Rapat Umum
11 Februari 2021 Pemegang Saham PT Wahana Ottomitra Multiartha Tbk
OJK 030/II/CS/2021
February 11, 2021 Announcement on the Plan for General Meeting of Shareholders of
Penyampaian Hasil Pemeringkatan Tahunan 2021 oleh PT Fitch
Rating Indonesia terhadap PT Wahana Ottomitra Multiartha
11 Februari 2021
OJK 031/II/CS/2021 Tbk (Perseroan)
February 11, 2021
Submission of the 2021 Annual Rating Results by PT Fitch Rating
Indonesia to PT Wahana Ottomitra Multiartha
Pelaporan Daftar Pegawai Pelaksana dan/atau Pejabat Sistem
17 Februari 2021 Layanan Informasi Keuangan (SLIK)
OJK 0249/II/DIR-WOM/2021
February 17, 2021 Reporting on the List of Implementing Employees and/or Financial
Information Service System Officials (SLIK)
Pelaporan Daftar Pegawai Pelaksana dan/atau Pejabat Sistem
17 Februari 2021 Layanan Informasi Keuangan (SLIK) untuk UUS
February 17, 2021 Reporting on the List of Implementing Employees and/or Financial
Information Service System Officials (SLIK) for UUS
19 Februari 2021 Laporan Pindah Alamat Kantor Cabang Bandung
February 19, 2021 Report on Change of Address of Bandung Branch Office
Laporan Pindah Alamat Kantor Cabang Unit Syariah Bandung
19 Februari 2021
OJK 0259/II/DIR-WOM/2021 Report on Change of Address of Sharia Unit Branch Office in
February 19, 2021
Bandung

.05 .06 .07

Regulator
Penyampaian Laporan Keuangan Tahunan Periode 31

Desember 2020 PT Wahana Ottomitra Multiartha Tbk (Audited)
19 Februari 2021
OJK 032/II/CS/2021 Submission of Annual Financial Statements for the Period of
February 19, 2021
December 31, 2020 of PT Wahana Ottomitra Multiartha Tbk
(Audited)
Penyampaian Bukti Iklan di Media untuk Laporan Keuangan
Tahunan Periode 31 Desember 2020 PT Wahana Ottomitra
19 Februari 2021 Multiartha Tbk (Audited)
OJK 033/II/CS/2021
February 19, 2021 Submission of Advertising Evidence in Media for Annual Financial
Statements for the Period of December 31, 2020 of PT Wahana
Ottomitra Multiartha Tbk (Audited)
Pengumuman Rapat Umum Pemegang Saham Tahunan (RUPST)
dan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB)
19 Februari 2021 PT Wahana Ottomitra Multiartha Tbk (Perseroan)
OJK 036/II/CS/2021
February 19, 2021 Announcement of the Annual General Meeting of Shareholders
(AGMS) and Extraordinary General Meeting of Shareholders (EGMS)
of PT Wahana Ottomitra Multiartha Tbk (the Company)
Penyampaian Bukti Iklan Pengumuman Rapat Umum
Pemegang Saham Tahunan (RUPST) dan Rapat Umum
Pemegang Saham Luar Biasa (RUPSLB) PT Wahana Ottomitra
19 Februari 2021 Multiartha Tbk (Perseroan)
OJK 038/II/CS/2021
February 19, 2021 Submission of Announcement Evidence of the General Meeting of
Shareholders Annual (AGMS) and Extraordinary General Meeting of
Shareholders (EGMS) of PT Wahana Ottomitra Multiartha Tbk (the
Company)
Perubahan Mata Acara Rapat Umum Pemegang Saham
Tahunan (RUPST) dan Rapat Umum Pemegang Saham
Luar Biasa (RUPSLB) PT Wahana Ottomitra Multiartha Tbk
19 Februari 2021
OJK 040/II/CS/2021 (Perseroan)
February 19, 2021
Change of the General Meeting of Shareholders Annual (AGMS) and
Extraordinary General Meeting of Shareholders (EGMS) of PT Wahana
Ottomitra Multiartha Tbk (the Company)
Penyampaian Laporan Restrukturisasi Pembiayaan kepada
26 Februari 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
February 26, 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Covid-19
03 Maret 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 061/III/CS/2021
March 03, 2021 Submission of Realization of Achievement of the Net Outstanding
Tbk
Pendanaan PT Wahana Ottomitra Multiartha Tbk UUS (Unit
03 Maret 2021
OJK 062/III/CS/2021 Usaha Syariah)
March 03, 2021
Tbk UUS (Sharia Business Unit)
Panggilan Rapat Umum Pemegang Saham Tahunan (RUPST)
08 Maret 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 068/III/CS/2021
March 08, 2021 Invitation to the Annual General Meeting of Shareholders (AGMS)
and Extraordinary General Meeting of Shareholders (EGMS) of

.01 .02 .03 .04

Regulator
Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang

Saham Tahunan (RUPST) dan Rapat Umum Pemegang Saham
08 Maret 2021 Luar Biasa (RUPSLB) PT Wahana Ottomitra Multiartha Tbk
OJK 070/III/CS/2021
March 08, 2021 Submission of Advertising Notice for the Annual General Meeting
of Shareholders (AGMS) and Extraordinary General Meeting of
Shareholders (EGMS) of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Laporan Tahunan dan Laporan Berkelanjutan
08 Maret 2021 Tahun 2020 PT Wahana Ottomitra Multiartha Tbk
OJK 072/III/CS/2021
March 08, 2021 Submission of the 2020 Annual Report and Sustainability Report of
Konfirmasi Surat Otoritas Jasa Keuangan Nomor S-288/
PM.221/2021 tentang Konfirmasi Keterlambatan Penyampaian
17 Maret 2021 Laporan Pemeringkatan Efek Bersifat Utang dan/atau Sukuk
OJK 075/III/CS/2021
March 17, 2021 Confirmation of Financial Services Authority Letter Number S-288/
PM.221/2021 concerning Confirmation of Delay in Submission of
Rating Reports for Debt Securities and/or Sukuk
Penyampaian Informasi terkait Surat Permohonan Persetujuan
17 Maret 2021 Pihak Utama
OJK 0371/III/DIR-WOM/2021
March 17, 2021 Submission of Information regarding the Application for Approval of
the Main Party
25 Maret 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
OJK 0398/III/DIR-WOM/2021
March 25, 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Covid-19
26 Maret 2021 Laporan Keterbukaan Informasi atau Fakta Material
OJK 125/III/CS/2021
March 26, 2021 Information Disclosure Report or Material Facts
Laporan Perubahan Struktur Pemegang Saham PT Wahana
29 Maret 2021 Ottomitra Multiartha Tbk
OJK 126/III/CS/2021
March 29, 2021 Report on Changes in Shareholder Structure of PT Wahana Ottomitra
Multiartha Tbk
Koreksi Penyampaian Laporan Tahunan dan Laporan
Keberlanjutan Tahun 2020 PT Wahana Ottomitra Multiartha
29 Maret 2021
OJK 127/III/CS/2021 Tbk
March 29, 2021
Correction of Submission of Annual Report and Sustainability Report
Laporan Pelaksanaan dan Hasil Keputusan Rapat Umum
01 April 2021
OJK 132/IV/CS/2021 Multiartha Tbk
April 01, 2021
Report on Implementation and Resolutions of the Annual General
Meeting of Shareholders (AGMS) and Extraordinary General Meeting
of Shareholders (EGMS) of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham
Tahunan (RUPST) dan Rapat Umum Pemegang Saham Luar
01 April 2021 Biasa (RUPSLB) PT Wahana Ottomitra Multiartha Tbk
OJK 134/IV/CS/2021
April 01, 2021 Submission of Advertising Results Evidence of the Annual General
05 April 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 141/IV/CS/2021
April 05, 2021 Submission of Realization of Achievement of the Net Target
Multiartha Tbk

.05 .06 .07

Regulator

Pembiayaan (Outstanding Principal) Neto Terhadap Total
Pendanaan PT Wahana Ottomitra Multiartha Tbk (Unit
05 April 2021
OJK 142/IV/CS/2021 Usaha Syariah)
April 05, 2021
Submission of Realization of Achievement of the Net Target
Multiartha Tbk (Sharia Business Unit)
Koreksi atas Laporan Pelaksanaan dan Hasil Keputusan Rapat
Umum Pemegang Saham Tahunan (RUPST) dan Rapat Umum
05 April 2021 Multiartha Tbk
OJK 143/IV/CS/2021
April 05, 2021 Correction of the Implementation Report and Resolutions of
the Annual General Meeting of Shareholders (AGMS) and the
Ottomitra Multiartha Tbk
Laporan Keterbukaan Informasi atau Fakta Material Pelunasan
Obligasi Berkelanjutan II WOM Finance Tahap IV Seri C Tahun
06 April 2021
OJK 147/IV/CS/2021 2018
April 06, 2021
Report on Disclosure of Information or Material Facts for Repayment
of Shelf-Registered Bonds II WOM Finance Phase IV Series C of 2018
Penyampaian Dokumen Penunjukan Kantor Akuntan Publik
12 April 2021 dan/atau Akuntan Publik PT Wahana Ottomitra Multiartha Tbk
OJK 152/IV/CS/2021
April 12, 2021 Submission of Documents for Appointment of Public Accounting Firm
and/or Public Accountant of PT Wahana Ottomitra Multiartha Tbk
Laporan Hasil Evaluasi Komite Audit PT Wahana Ottomitra
Multiartha Tbk terhadap Pelaksanaan Pemberian Jasa Audit
12 April 2021 atas Informasi Keuangan Historis Tahunan
OJK 0441/IV/DIR-WOM/2021
April 12,2021 Report on the Evaluation Results of the Audit Committee of
PT Wahana Ottomitra Multiartha Tbk on the Implementation of the
Provision of Audit Services on Annual Historical Financial Information
Laporan Penunjukan Akuntan Publik dan/atau Kantor Akuntan
Publik dalam Rangka Audit atas Informasi Keuangan Historis
12 April 2021 Tahunan pada PT Wahana Ottomitra Multiartha Tbk
April 12, 2021 Report on the Appointment of a Public Accountant and/or Public
Accounting Firm for the Audit of Annual Historical Financial
Information at PT Wahana Ottomitra Multiartha Tbk
Laporan Pengkinian Data dan Informasi Domisili dari Pihak
Utama PT Wahana Ottomitra Multiartha Tbk dan/atau Pihak
12 April 2021 yang Dapat Dihubungi
April 12, 2021 Report on Update of Domicile Data and Information Update from
the Main Party PT Wahana Ottomitra Multiartha Tbk and/or Contact
Person
Tanggapan Surat S-1248/NB.111/2021 (Surat OJK) perihal
Kekurangan Dokumen Pendukung Pelaporan Perubahan
27 April 2021
OJK 0551/IV/DIR-WOM/2021 Kepemilikan
April 27, 2021
Response to Letter S-1248/NB.111/2021 (OJK Letter) regarding Lack
of Supporting Documents for Reporting Changes in Ownership
27 April 2021
OJK 0547/IV/DIR-WOM/2021 Terkena Dampak Penyebaran Covid-19
April 27, 2021
Submission of Reports on Financing Distribution to Debtors Affected
by the Covid-19 and Assessed Based on Accuracy of Payments and
Submission of Reports on Financing Restructuring to Debtors Affected
by the Spread of Covid-19

.01 .02 .03 .04

Regulator
Penyampaian Laporan Keuangan Triwulan I periode 31 Maret

28 April 2021 2021 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
OJK 157/IV/CS/2021
April 28, 2021 Submission of Quarter I Financial Statements for the period March 31,
2021 of PT Wahana Ottomitra Multiartha Tbk (Unaudited)
Laporan Keterbukaan Informasi atau Fakta Material Perubahan
Rencana dana yang dihimpun atas Penawaran Umum
29 April 2021 Berkelanjutan III Obligasi WOM Finance Tahun 2018
OJK 160/IV/CS/2021
April 29, 2021 Information Disclosure Report or Material Facts on Changes in Fund
Plans collected from the 2018 WOM Finance Bond III Sustainable
Public Offering
Penyampaian Risalah dan Ringkasan Rapat Umum Pemegang
Saham Tahunan (RUPST) & Rapat Umum Pemegang Saham Luar
OJK 161/IV/CS/2021
April 29, 2021 Submission of Minutes and Summary of the Annual General Meeting
of Shareholders (AGMS) & Extraordinary General Meeting of
Laporan Perubahan Rencana dana yang Dihimpun atas
Penawaran Umum Berkelanjutan III Obligasi WOM Finance
30 April 2021
OJK 163/IV/CS/2021 Tahun 2018
April 30,2021
Report on Changes in Fund Plans Collected for the Sustainable Public
Offering III WOM Finance Bonds in 2018
04 Mei 2021
OJK 166/V/CS/2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
May 04, 2021
Principal Ratio to Total Funding of PT Wahana Ottomitra Multiartha Tbk
04 Mei 2021
OJK 167/V/CS/2021 Syariah)
May 04, 2021
Tbk (Sharia Business Unit)
05 Mei 2021 April 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 170/V/CS/2021
May 05, 2021 Submission of Monthly Report on Securities Holder Registration as of
April 2021 of PT Wahana Ottomitra Multiartha Tbk
10 Mei 2021 Laporan Penutupan Kantor Cabang Subang
OJK 0600/V/DIR-WOM/2021
May 10, 2021 Report on Closure of Subang Branch Office
10 Mei 2021 Laporan Penutupan Kantor Cabang Unit Syariah Subang
May 10, 2021 Report on Closure of Subang Syariah Branch Office
Permohonan Izin Peningkatan Kantor Selain Kantor Cabang
17 Mei 2021 Ngawi menjadi Kantor Cabang Ngawi
May 17, 2021 Application for Permit to Upgrade an Office Other than a Ngawi
Branch Office to a Ngawi Branch Office
20 Mei 2021 Surat Pernyataan Perkara Perseroan Registrasi 2 OJK PUB IV
May 20, 2021 Letter of Statement of Company Case Registration 2 OJK PUB IV
24 Mei 2021 Laporan Penutupan Kantor Cabang Padangsidimpuan
May 24, 2021 Report on Closure of Padangsidimpuan Branch Office
Laporan Penutupan Kantor Cabang Unit Syariah
24 Mei 2021
OJK 0630/V/DIR-WOM/2021 Padangsidimpuan
May 24, 2021
Report on Closure of Padangsidimpuan Sharia Unit Branch Office

.05 .06 .07

Regulator
25 Mei 2021 Laporan Pindah Alamat Kantor Cabang Sidoarjo

May 25, 2021 Report on Change of Address of Sidoarjo Branch Office
25 Mei 2021 Laporan Pindah Alamat Kantor Cabang Unit Syariah Sidoarjo
May 25, 2021 Report on Change of Address of Sharia Unit Branch Office in Sidoarjo
27 Mei 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
27 May 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Covid-19
Laporan Penerapan Tata Kelola Perusahaan yang Baik Bagi
Perusahaan Pembiayaan PT Wahana Ottomitra Multiartha Tbk
27 Mei 2021 Periode Tahun 2020
27 May 2021 Report on the Implementation of Good Corporate Governance for
Financing Companies PT Wahana Ottomitra Multiartha Tbk 2020
Period
Perubahan Hak Akses Sistem Layanan Informasi Keuangan
27 Mei 2021 (SLIK) - Konvensional
27 May 2021 Changes in Access Rights to Financial Information Services System
(SLIK) - conventional
Perubahan Hak Akses Sistem Layanan Informasi Keuangan
27 Mei 2021 (SLIK) - UUS
27 May 2021 Changes in Access Rights to Financial Information Services System
(SLIK) - UUS
Obligasi Berkelanjutan III WOM Finance Tahap II Seri B Tahun
31 Mei 2021
OJK 173/V/CS/2021 2019
May 31, 2021
Information Disclosure or Material Facts Report of WOM Finance's
Shelf Registration Bond III Phase II Series B of 2019
Permohonan Izin Peningkatan Kantor selain Kantor Cabang
04 Juni 2021 Magetan menjadi Kantor Cabang Magetan
OJK 0691/VI/DIR-WOM/2021
June 04, 2021 Application for Permit to Upgrade Offices other than Magetan
Branch Offices to Magetan Branch Offices
07 Juni 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 176/VI/CS/2021
June 07, 2021 Submission of Realization of Achievement of the Net Target
Multiartha Tbk
Penyampaian Realisasi Pencapaian Target Rasio Saldo Aset
Produktif (Outstanding Principal) Neto terhadap Total
07 Juni 2021
OJK 177/VI/CS/2021 Syariah)
June 07, 2021
Submission of Realization of Achievement of Net Target Earning
Assets Balance Ratio Target (Outstanding Principal) to Total Funding of
PT Wahana Ottomitra Multiartha Tbk (Sharia Business Unit)
07 Juni 2021 Mei 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 178/VI/CS/2021
June 07, 2021 Submission of Monthly Report on Securities Holder Registration as of
May 2021 of PT Wahana Ottomitra Multiartha Tbk
08 Juni 2021 Obligasi Berkelanjutan II WOM Finance Tahap V Seri B Tahun 2018
OJK 179/VI/CS/2021
June 08, 2021 Information Disclosure Report or Material Facts for Repayment of
Shelf-Registered Bonds II WOM Finance Phase V Series B of 2018

.01 .02 .03 .04

Regulator

08 Juni 2021 Obligasi Berkelanjutan III WOM Finance Tahap III Seri A Tahun 2020
OJK 180/VI/CS/2021
June 08, 2021 Information Disclosure Report or Material Facts for Repayment of
Sustainable Bonds III WOM Finance Phase III Series A of 2020
Tanggapan Surat S-1904/NB.111.2021 (Surat OJK) perihal
Kekurangan Dokumen Pendukung Pelaporan Perubahan
17 Juni 2021
OJK 0746/VI/DIR-WOM/2021 Kepemilikan
June 17, 2021
Response to Letter S-1904/NB.111.2021 (OJK Letter) regarding Lack
of Supporting Documents for Reporting Changes in Ownership
17 Juni 2021 Laporan Pindah Alamat Kantor Cabang Cianjur
June 17, 2021 Report on Change of Address of Cianjur Branch Office
17 Juni 2021 Laporan Pindah Alamat Kantor Cabang Unit Syariah Cianjur
June 17, 2021 Report on Change of Address of Cianjur Sharia Unit Branch Office
Laporan Keterbukaan Informasi atau Fakta Material
Pemberitahuan atas Informasi Tambahan Prospektus Ringkas
dalam rangka Penawaran Umum Berkelanjutan IV WOM
21 Juni 2021
OJK 184/VI/CS/2021 Finance Tahap I Tahun 2021
June 21, 2021
Information Disclosure Report or Material Facts on Notification of
Additional Information Abridged Prospectus for the Continuing Public
Offering IV WOM Finance Phase I 2021
Penyampaian Bukti Iklan Pemberitahuan atas Informasi
Tambahan Prospektus Ringkas dalam rangka Penawaran Umum
21 Juni 2021 Berkelanjutan IV WOM Finance Tahap I Tahun 2021
OJK 185/VI/CS/2021
June 21, 2021 Submission of Proof of Advertising Notification of Additional
Information on Abridged Prospectus in the context of the WOM
Finance Phase I Sustainable Public Offering IV 2021
Penyampaian Prospektus Ringkas dalam rangka Penawaran
21 Juni 2021 Umum Berkelanjutan IV WOM Finance Tahap I Tahun 2021
OJK 186/VI/CS/2021
June 21, 2021 Submission of Abridged Prospectus in the context of WOM Finance
Phase I of 2021 Sustainable Public Offering IV
Kelengkapan Dokumen Permohonan Izin Peningkatan Kantor
21 Juni 2021 selain Kantor Cabang Ngawi
June 21, 2021 Completeness of the Application for Permit for Office Upgrades
besides Ngawi Branch Office
22 Juni 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
June 22, 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Covid-19
Kelengkapan Dokumen Permohonan Izin Peningkatan Kantor
selain Kantor Cabang PT Wahana Ottomitra Multiartha Tbk
29 Juni 2021 (Perusahaan) di Kabupaten Magetan
June 29, 2021 Completeness of the Application for Permit for Office Upgrades
Other than the Branch Office of PT Wahana Ottomitra Multiartha Tbk
(Company) in Magetan Regency
29 Juni 2021 Ungaran menjadi Kantor Cabang Ungaran
June 29, 2021 Application for Permit to Upgrade Offices besides Ungaran Branch
Offices to Ungaran Branch Offices
05 Juli 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 198/VII/CS/2021
July 05, 2021 Submission of Realization of Achievement of the Net Target
Multiartha Tbk

.05 .06 .07

Regulator

05 Juli 2021
OJK 199/VII/CS/2021 Syariah)
July 05, 2021
Submission of Realization of Achievement of Net Earning Assets
Balance Ratio Target (Outstanding Principal) to Total Funding of
Penyampaian Laporan Perubahann Rencana Bisnis 2021
05 Juli 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 200/VII/CS/2021
July 05, 2021 Submission of Report on Changes to PT Wahana Ottomitra Multiartha
Tbk 2021 Business Plan
Penyampaian Laporan Perubahan Rencana Bisnis 2021 Unit
05 Juli 2021 Usaha Syariah PT Wahana Ottomitra Multiartha Tbk
OJK 201/VII/CS/2021
July 05, 2021 Submission of Report on Changes in 2021 Business Plan of Sharia
Business Unit of PT Wahana Ottomitra Multiartha Tbk
05 Juli 2021 Juni 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 202/VII/CS/2021
July 05, 2021 Submission of Monthly Report on Securities Holder Registration as of
June 2021 of PT Wahana Ottomitra Multiartha Tbk
Laporan Realisasi Penawaran Umum Terbatas (PUT I) kepada
Para Pemegang Saham Perseroan dalam rangka Penerbitan Hak
07 Juli 2021 Memesan Efek Terlebih Dahulu (HMETD)
OJK 206/VII/CS/2021
July 07, 2021 Report on Realization of Limited Public Offering (PUT I) to the
Shareholders of the Company for the Issuance of Pre-emptive Rights
(HMETD)
Laporan Realisasi Penggunaan dana Hasil Penawaran Umum
Berkelanjutan III Tahap I, II, III dan IV Obligasi WOM Finance
07 Juli 2021 Tahun 2018, 2019 & 2020
OJK 207/VII/CS/2021
July 07, 2021 Report on the Realization of the Use of Proceeds from the Continuous
Public Offering III Phase I, II, III and IV WOM Finance Bonds in 2018,
2019 & 2020
13 Juli 2021 Pamulang menjadi Kantor Cabang Pamulang
OJK 0852/VII/DIR-WOM/2021
July 13, 2021 Application for Permit to Upgrade Offices other than Pamulang
Branch Offices to Pamulang Branch Offices
16 Juli 2021 Tanggapan Surat S-2324/NB.111/2021 (Surat OJK)
July 16, 2021 Response to Letter S-2324/NB.111/2021 (OJK Letter)
Laporan Pindah Alamat Kantor Cabang PT Wahana Ottomitra
16 Juli 2021 Multiartha Tbk di Medan
July 16, 2021 Report on Change of Address of PT Wahana Ottomitra Multiartha
Tbk Branch Office in Medan
Laporan Pindah Alamat Kantor Cabang Unit Syariah PT Wahana
16 Juli 2021 Ottomitra Multiartha Tbk di Medan
July 16, 2021 Report on Change of Address of Sharia Unit Branch Office of
PT Wahana Ottomitra Multiartha Tbk in Medan
Laporan Perubahan Pimpinan Unit Usaha Syariah PT Wahana
16 Juli 2021 Ottomitra Multiartha Tbk (UUS Perseroan)
July 16, 2021 Report on Changes in Sharia Business Unit Leaders PT Wahana
Ottomitra Multiartha Tbk (the Company UUS)
19 Juli 2021 Laporan Penutupan Kantor Cabang Unit Syariah Jember
July 19, 2021 Report on Closure of Jember Sharia Unit Branch Office

.01 .02 .03 .04

Regulator
19 Juli 2021 Laporan Penutupan Kantor Cabang Jember

July 19, 2021 Report on Closure of Jember Branch Office
Berdasarkan Ketepatan Pembayaran serta Penyampaian
21 Juli 2021
OJK 0887/VII/DIR-WOM/2021 Terkena Dampak Penyebaran Covid-19
July 21, 2021
by the Covid-19 and Assessed Based on Accuracy of Payments and
Submission of Reports on Financing Restructuring to Debtors Affected
by the Covid-19
28 Juli 2021 Tindak Lanjut Surat S-2043/NB.221/2021
July 28, 2021 Follow-up Letter S-2043/NB.221/2021

28 Juli 2021 Weleri menjadi Kantor Cabang Weleri
July 28, 2021 Application for Permit to Upgrade Offices besides Weleri Branch
Offices to Weleri Branch Offices
Penyampaian Laporan Keuangan Triwulan II Periode 30 Juni

29 Juli 2021 2021 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
OJK 231/VII/CS/2021
July 29, 2021 Submission of Quarterly Financial Reports for the Period of June 30,
Penyampaian Hasil Pemeringkatan Tahunan 2021 oleh
PT Fitch Rating Indonesia terhadap PT Wahana Ottomitra
29 Juli 2021
OJK 232/VII/CS/2021 Multia (Perseroan)
July 29, 2021
Indonesia to PT Wahana Ottomitra Multia (the “Company)
Triwulan II Periode 30 Juni 2021 PT Wahana Ottomitra
30 Juli 2021 Multiartha Tbk (Unaudited)
OJK 233/VII/CS/2021
July 30, 2021 Submission of Advertising Evidence in the Media for the Second
Quarter Financial Statements for the Period of June 30, 2021 of PT
Wahana Ottomitra Multiartha Tbk (Unaudited)
Penyampaian Laporan Realisasi Rencana Bisnis 2021 PT Wahana
30 Juli 2021 Ottomitra Multiartha Tbk
OJK 234/VII/CS/2021
July 30, 2021 Submission of Report on the Realization of the 2021 Business Plan of
Penyampaian Laporan Realisasi Rencana Bisnis 2021 Unit Usaha
30 Juli 2021 Syariah PT Wahana Ottomitra Multiartha Tbk
OJK 235/VII/CS/2021
July 30, 2021 Submission of the 2021 Business Plan Realization Report of the Sharia
Business Unit of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Laporan Pengawasan Rencana Bisnis 2021
30 Juli 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 236/VII/CS/2021
July 30, 2021 Submission of the 2021 Business Plan Supervision Report of
Penyampaian Laporan Pengawasan Rencana Bisnis 2021 Unit
30 Juli 2021 Usaha Syariah PT Wahana Ottomitra Multiartha Tbk
OJK 237/VII/CS/2021
July 30, 2021 Submission of the 2021 Business Plan Supervision Report of the
Sharia Business Unit of PT Wahana Ottomitra Multiartha Tbk

.05 .06 .07

Regulator

04 Agustus 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 240/VIII/CS/2021
August 04, 2021 Submission of Realization of Achievement of the Net Target
Multiartha Tbk
04 Agustus 2021
OJK 241/VIII/CS/2021 Syariah)
August 04, 2021
Assets Balance Ratio (Outstanding Principal) to Total Funding of

05 Agustus 2021 Juli 2021 PT Wahana Ottomitra Multiartha Tbk
August 05, 2021 Submission of Monthly Report on Securities Holder Registration
as of July 2021 of PT Wahana Ottomitra Multiartha Tbk

05 Agustus 2021 Pangkep menjadi Kantor Cabang Pangkep
OJK 0939/VIII/DIR-WOM/2021
August 05, 2021 Application for Permit to Upgrade Offices other than Pangkep Branch
Offices to Pangkep Branch Offices
06 Agustus 2021 Laporan Keterbukaan Informasi Pemegang Saham Tertentu
August 06, 2021 Information Disclosure Report of Certain Shareholders
06 Agustus 2021 Laporan Keterbukaan Informasi Pemegang Saham Tertentu
August 06, 2021 Information Disclosure Report of Certain Shareholders
13 Agustus 2021 Tigaraksa menjadi Kantor Cabang Tigaraksa
August 13, 2021 Application for Permit to Upgrade Offices other than Tigaraksa
Branch Offices to Tigaraksa Branch Offices
18 Agustus 2021 Cisauk menjadi Kantor Cabang Cisauk
August 18, 2021 Application for Permit to Upgrade Offices other than Cisauk Branch
Offices to Cisauk Branch Offices
20 Agustus 2021 Multiartha Tbk di Bogor
August 20, 2021 Report on Change of Address of PT Wahana Ottomitra Multiartha
Tbk Branch Office. at Bogor
20 Agustus 2021 Ottomitra Multiartha Tbk di Bogor
August 20, 2021 Report on Change of Address of the Sharia Unit Branch Office of
PT Wahana Ottomitra Multiartha Tbk at Bogor
Tanggapan PT Wahana Ottomitra Multiartha Tbk (Perseroan)
atas Surat Otoritas Jasa Keuangan Nomor S-2524/NB.221/2021
30 Agustus 2021 tanggal 20 Agustus 2021 (Surat OJK)
August 30, 2021 Response of PT Wahana Ottomitra Multiartha Tbk (the Company)
Based on the Financial Services Authority Letter Number S-2524/
NB.221/2021 dated August 20, 2021 (OJK Letter)
30 Agustus 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
August 30, 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Covid-19

.01 .02 .03 .04

Regulator

03 September 2021
OJK 253/IX/CS/2021 Syariah)
September 03, 2021
03 September 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 254/IX/CS/2021
September 03, 2021 Submission of Realization of Achievement of the Net Outstanding
Tbk
03 September 2021 Tanggapan Surat S-3044/NB.111/2021 (Surat OJK)
OJK 1034/IX/DIR-WOM/2021
September 03, 2021 Response to Letter S-3044/NB.111/2021 (OJK Letter)
06 September 2021 Agustus 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 258/IX/CS/2021
September 06, 2021 Submission of Monthly Report on Securities Holder Registration as of
August 2021 of PT Wahana Ottomitra Multiartha Tbk
Permintaan informasi Pengendali Perusahaan Terbuka
10 September 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 259/IX/CS/2021
September 10, 2021 Request for information on the Controller of a Public Company
Obligasi Berkelanjutan III WOM Finance Tahap IV Seri A Tahun
10 September 2021
OJK 260/IX/CS/2021 2020
September 10, 2021
Information Disclosure Report or Material Facts for Repayment of
Sustainable Bonds III WOM Finance Phase IV Series A Year 2020
10 September 2021 Multiartha Tbk di Wonosobo
September 10, 2021 Report on Change of Address of PT Wahana Ottomitra Multiartha
Tbk Branch Office in Wonosobo
10 September 2021 Ottomitra Multiartha Tbk di Wonosobo
September 10, 2021 Report on Change of Address of the Sharia Unit Branch Office of
PT Wahana Ottomitra Multiartha Tbk in Wonosobo
Laporan Kejadian Fraud yang Diperkirakan Berdampak Negatif
Secara Signifikan terhadap PT Wahana Ottomitra Multiartha
15 September 2021
OJK 019/IX/BOC-WOM/2021 Tbk (Perseroan)
September 15, 2021
Report of Fraud Events Expected to Have a Significantly Negative
Impact on PT Wahana Ottomitra Multiartha Tbk (the Company)
15 September 2021 Laporan Penutupan Kantor Cabang Labuan-Pandeglang
September 15, 2021 Report on Closure of Labuan-Pandeglang Branch Office
Laporan Penutupan Kantor Cabang Unit Syariah Labuan-
15 September 2021 Pandeglang
September 15, 2021 Report on Closure of the Labuan-Pandeglang Sharia Unit Branch
Office
Tanggapan PT Wahana Ottomitra Multiartha Tbk (Perseroan)
15 September 2021 atas Surat Nomor S-2617/NB.221/2021 tanggal 31 Agustus 2021
September 15, 2021 Response of PT Wahana Ottomitra Multiartha Tbk (the “Company) to
Letter Number S-2617/NB.221/2021 dated August 31, 2021

.05 .06 .07

Regulator

20 September 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
September 20, 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Covid-19
20 September 2021 Multiartha Tbk di Cikarang
September 20, 2021 Report on Change of Address of PT Wahana Ottomitra Multiartha
Tbk Branch Office. in Cikarang
Laporan Pindah Alamat Kantor Cabang Unit Usaha Syariah
20 September 2021 PT Wahana Ottomitra Multiartha Tbk di Cikarang (Bekasi II)
September 20, 2021 Report on Change of Address of the Sharia Business Unit Branch
Office of PT Wahana Ottomitra Multiartha Tbk in Cikarang (Bekasi II)
Laporan Permohonan Persetujuan Pembukaan Kantor Cabang
29 September 2021 Pekanbaru 2
September 29, 2021 Report on Application for Approval of Opening of Pekanbaru Branch
Office 2
Permohonan Izin Peningkatan Kantor Selain Kantor Cabang
04 Oktober 2021 Rajeg menjadi Kantor Cabang Rajeg
OJK 1133/X/DIR-WOM/2021
October 04, 2021 Application for Permit to Upgrade Offices Besides Rajeg Branch
Offices to Rajeg Branch Offices
Pembiayaan (Outstanding Principal) Neto Terhadap Total
04 Oktober 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
October 04, 2021 Submission of Realization of Achievement of the Net Target
Multiartha Tbk
04 Oktober 2021
OJK 1138/X/DIR-WOM/2021 Syariah)
October 04, 2021
Submission of Realization of Achievement of Net Earning Assets
Balance Ratio Target (Outstanding Principal) to Total Funding of
05 Oktober 2021 Berkelanjutan IV Tahap I Obligasi WOM Finance Tahun 2021
October 05, 2021 Report on the Realization of the Use of Proceeds from the Continuous
Public Offering IV Phase I of 2021 WOM Finance Bonds
06 Oktober 2021 September 2021 PT Wahana Ottomitra Multiartha Tbk
October 06, 2021 Submission of Monthly Report on Securities Holder Registration
as of September 2021 of PT Wahana Ottomitra Multiartha Tbk
Laporan Penutupan Kantor Cabang Arga Makmur - Bengkulu
12 Oktober 2021
OJK 1163/X/DIR-WOM/2021 Utara
October 12, 2021
Report on Closure of Arga Makmur Branch Office - North Bengkulu
Laporan Penutupan Kantor Cabang Unit Usaha Syariah Arga
12 Oktober 2021 Makmur - Bengkulu Utara
October 12, 2021 Report on Closure of Arga Makmur Sharia Business Unit Branch
Office - North Bengkulu
14 Oktober 2021 Laporan Penutupan Kantor Cabang Lebak
October 14, 2021 Report on Closure of Lebak Branch Office
14 Oktober 2021 Laporan Penutupan Kantor Cabang Unit Usaha Syariah Lebak
October 14, 2021 Report on Closure of Lebak Sharia Business Unit Branch Office

.01 .02 .03 .04

Regulator
Keterbukaan Informasi Terkait Pengunduran Diri Anggota

18 Oktober 2021 Direksi PT Wahana Ottomitra Multiartha Tbk
October 18, 2021 Information Disclosure Regarding the Resignation of Members of the
Board of Directors of PT Wahana Ottomitra Multiartha Tbk
Keterbukaan Informasi Terkait Pengunduran Diri Sekretaris
18 Oktober 2021 Perusahaan Perseroan PT Wahana Ottomitra Multiartha Tbk
October 18, 2021 Information Disclosure Regarding the Resignation of the Corporate
Secretary of the Company PT Wahana Ottomitra Multiartha Tbk
22 Oktober 2021 Multiartha Tbk di Kuningan
October 22, 2021 Report on Change of Address for PT Wahana Ottomitra Multiartha
Tbk Branch Office in Kuningan
22 Oktober 2021 Ottomitra Multiartha Tbk di Kuningan
October 22, 2021 Report on Change of Address for the Sharia Unit Branch Office of
PT Wahana Ottomitra Multiartha Tbk in Kuningan
Laporan Permohonan Persetujuan Pembukaan Kantor Cabang
22 Oktober 2021 Karo
October 22, 2021 Report on Application for Approval for Opening of Karo Branch
Offices
26 Oktober 2021
OJK 1232/X/DIR-WOM/2021 Terkena Dampak Penyebaran Covid-19
October 26, 2021
by the Spread of Covid-19 and Assessed Based on Accuracy of
Payments and Submission of Reports on Financing Restructuring to
Debtors Affected by the Spread of Covid-19
Penyampaian Perubahan Kantor Cabang yang Menaungi
Kantor Selain Kantor Cabang PT Wahana Ottomitra Multiartha
26 Oktober 2021 Tbk (Perusahaan) Jelambar
October 26, 2021 Submission of Changes to Branch Offices Oversees Offices Besides
PT Wahana Ottomitra Multiartha Tbk (the “Company) Branch Office
Jelambar
Pemenuhan Kelengkapan Dokumen Peningkatan Status Kantor
selain Kantor Cabang Menjadi Kantor Cabang
PT Wahana Ottomitra Multiartha Tbk (Perusahaan) di Rajeg
dan Permohonan Izin Pembukaan Kantor Cabang Perusahaan
27 Oktober 2021
OJK 1236/X/DIR-WOM/2021 di Pekanbaru
October 27, 2021
Fulfillment of Completed Documents for Upgrading Office Status
from Non-Branch Office to Branch Office of PT Wahana Ottomitra
Multiartha Tbk (the “Company) in Rajeg and Application for Permit to
Operate the Company’s Branch Office in Pekanbaru
Penyampaian Laporan Keuangan Triwulan III Periode 30
September 2021 PT Wahana Ottomitra Multiartha Tbk
29 Oktober 2021
OJK 1246/X/DIR-WOM/2021 (Unaudited)
October 29, 2021
Submission of Quarterly Financial Reports for the Period of September
30, 2021 of PT Wahana Ottomitra Multiartha Tbk (Unaudited)
Penyampaian Materi Public Expose Tahunan PT Wahana
29 Oktober 2021 Ottomitra Multiartha Tbk
October 29, 2021 Submission of the Annual Public Expose of PT Wahana Ottomitra
Multiartha Tbk

.05 .06 .07

Regulator
Surat Tanggapan atas OJK Perihal Pemberitahuan Penghapusan

Identitas Orang dari Daftar Terduga Teroris dan Organisasi
01 November 2021 Teroris dan Permohonan Pembukaan Pemblokiran
OJK 1264/XI/DIR-WOM/2021
November 01, 2021 Response Letter to OJK Regarding Notification of Elimination of the
Identity of a Person from the List of Suspected Terrorists and Terrorist
Organizations and Requests for Unblocking
03 November 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
November 03, 2021 Submission of Realization of Achievement of the Net Target
Multiartha Tbk
03 November 2021
OJK 1266/XI/DIR-WOM/2021 Syariah)
November 03, 2021
03 November 2021 Oktober 2021 PT Wahana Ottomitra Multiartha Tbk
November 03, 2021 Submission of Monthly Report on Securities Holder Registration as of
October 2021 of PT Wahana Ottomitra Multiartha Tbk
10 November 2021 Laporan Transaksi Keuangan Mencurigakan
November 10, 2021 Suspicious Financial Transaction Report
Pengangkatan Sekretaris Perusahaan PT Wahana Ottomitra
16 November 2021 Multiartha Tbk
November 16, 2021 Appointment Of The Corporate Secretary of PT Wahana Ottomitra
Multiartha Tbk
Penggantian Sekretaris Perusahaan PT Wahana Ottomitra
16 November 2021 Multiartha Tbk (Perseroan)
November 16, 2021 Replacement of the Corporate Secretary of PT Wahana Ottomitra
Multiartha Tbk (the Company)
16 November 2021 Laporan Keterbukaan Informasi atau Fakta Material
November 16, 2021 Information Disclosure Report or Material Facts
23 November 2021 Penyampaian Laporan Penyesuaian Rencana Bisnis 2021
OJK 309/XI/CS/2021
November 23, 2021 Submission of 2021 Business Plan Adjustment Report
24 November 2021 Ottomitra Multiartha Tbk di Binjai
November 24, 2021 Report on Change of Address of the Sharia Unit Branch Office of
PT Wahana Ottomitra Multiartha Tbk in Binjai
24 November 2021 Multiartha Tbk di Binjai
November 24, 2021 Report on Change of Address of PT Wahana Ottomitra Multiartha
Tbk Branch Office in Binjai
24 November 2021 Ottomitra Multiartha Tbk di Cileungsi (Bogor II)
November 24, 2021 Report on Change of Address of the Sharia Unit Branch Office of
PT Wahana Ottomitra Multiartha Tbk in Cileungsi (Bogor II)

.01 .02 .03 .04

Regulator

24 November 2021 Multiartha Tbk di Cileungsi
November 24, 2021 Report on Change of Address of PT Wahana Ottomitra Multiartha
Tbk Branch Office. in Cileungsi
26 November 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
November 26, 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Covid-19
29 November 2021 Surat Permohonan Persetujuan menjadi Pihak Utama Direktur
November 29, 2021 Application for Approval to Become the Main Director
Penyampaian Laporan Rencana Aksi Keuangan
Berkelanjutan Periode Tahun 2022 PT Wahana Ottomitra
29 November 2021
OJK 311/XI/CS/2021 Multiartha Tbk
November 29, 2021
Submission of the Sustainable Finance Action Plan Report for the
Period of 2022 of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Laporan Rencana Bisnis Tahunan 2022 PT Wahana
30 November 2021 Ottomitra Multiartha Tbk
OJK 314/XI/CS/2021
November 30, 2021 Submission of the 2022 Annual Business Plan Report of PT Wahana
Pemberitahuan Rencana Penyelenggaraan Rapat Umum
30 November 2021
OJK 315/XI/CS/2021 Multiartha Tbk
November 30, 2021
Notification of the Plan to Organize the Extraordinary General Meeting of
Penyampaian Laporan Rencana Bisnis Tahunan Unit Usaha
30 November 2021 Syariah 2022 PT Wahana Ottomitra Multiartha Tbk
OJK 316/XI/CS/2021
November 30, 2021 Submission of the 2022 Sharia Business Unit Annual Business Plan
Report of PT Wahana Ottomitra Multiartha Tbk
03 Desember 2021 Pendanaan PT Wahana Ottomitra Multiartha Tbk
OJK 320/XII/CS/2021
December 03, 2021 Submission of Realization of Achievement of the Net Target
Multiartha Tbk
03 Desember 2021
OJK 321/XII/CS/2021 Syariah)
December 03, 2021
06 Desember 2021 November 2021 PT Wahana Ottomitra Multiartha Tbk
OJK 322/XII/CS/2021
December 06, 2021 Submission of Monthly Report on Securities Holder Registration as of
November 2021 PT Wahana Ottomitra Multiartha Tbk

.05 .06 .07

Regulator
Pengumuman Rapat Umum Pemegang Saham Luar Biasa

07 Desember 2021 (RUPSLB) PT Wahana Ottomitra Multiartha Tbk (Perseroan)
OJK 323/XII/CS/2021
December 07, 2021 Announcement of the Extraordinary General Meeting of Shareholders
(EGMS) of PT Wahana Ottomitra Multiartha Tbk (the “Company)
Penyampaian Bukti Iklan Pengumuman Rapat Umum Pemegang
Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
07 Desember 2021
OJK 324/XII/CS/2021 Submission of Proof of Advertisement Announcement of the
December 07, 2021
Extraordinary General Meeting of Shareholders of PT Wahana
Konfirmasi Kehadiran pada Pelaksanaan Penilaian Kemampuan
dan Kepatutan Calon Pihak Utama Pemegang Saham
Pengendali (PSP) PT Wahana Ottomitra Mulitartha Tbk
13 Desember 2021
OJK 1397/XII/DIR-WOM/2021 (Perusahaan)
December 13, 2021
Confirmation of Attendance at the Fit and Proper Test of the
Prospective Main Party Controlling Shareholder (PSP) of PT Wahana
Ottomitra Mulitartha Tbk (the Company)
Surat Tanggapan untuk DTTOT Pelaporan ke Aplikasi
16 Desember 2021 Sigap.ojk.go.id
OJK 1419/XII/DIR-WOM/2021
December 16, 2021 Response Letter for DTTOT Reporting to the Sigap.ojk.go.id
Application
Obligasi Berkelanjutan III WOM Finance Tahap I Seri C Tahun
20 Desember 2021
OJK 329/XII/CS/2021 2018
December 20, 2021
Sustainable Bonds III WOM Finance Phase I Series C Year 2018
Panggilan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB)
22 Desember 2021 2022 PT Wahana Ottomitra Multiartha Tbk
OJK 333/XII/CS/2021
December 22, 2021 Invitation to the 2022 Extraordinary General Meeting of Shareholders
(EGMS) PT Wahana Ottomitra Multiartha Tbk
Saham Luar Biasa (RUPSLB) 2022 PT Wahana Ottomitra
22 Desember 2021 Multiartha Tbk
OJK 334/XII/CS/2021
December 22, 2021 Submission of Advertisement Evidence for Invitation to the 2022
22 Desember 2021 Laporan Penutupan Kantor Cabang Unit Syariah Perawang-Siak
December 22, 2021 Report on Closure of Perawang-Siak Sharia Branch Office
22 Desember 2021 Laporan Penutupan Kantor Cabang Perawang-Siak
December 22, 2021 Report on Closure of Perawang-Siak Branch Office
23 Desember 2021 Penyampaian Rencana Pemenuhan atas FAR UUS
December 23, 2021 Submission of FAR UUS Fulfillment Plans
27 Desember 2021 Debitur yang Terkena Dampak Penyebaran Covid-19
December 27, 2021 Submission of Financing Restructuring Reports to Debtors Affected by
the Spread of Covid-19

.01 .02 .03 .04

Regulator
Bursa Efek Indonesia | Indonesia Stock Exchange

07 Januari 2021 Desember 2020 PT Wahana Ottomitra Multiartha Tbk
BEI 005/I/CS/2021
January 07, 2021 Submission of Monthly Report on Securities Holder Registration as of
December 2020 of PT Wahana Ottomitra Multiartha Tbk
Laporan Realisai Penawaran Umm Terbatas (PUT I) kepada Para
Pemegang Sahan Perseroan dalam Rangka Penerbitan Hak
07 Januari 2021 Memesan Efek Terlebih Dahulu (HMETD)
BEI 006/I/CS/2021
January 07, 2021 Report on the Realization of the Limited Public Offering (PUT I) to
the Company's Shareholders for the Issuance of Pre-emptive Rights
(HMETD)
Berkelanjutan II Tahap IV dan V Obligasi WOM Finance Tahun
07 Januari 2021
BEI 007/I/CS/2021 2018
January 07, 2021
Report on the Realization of the Use of Proceeds from the Sustainable
Public Offering II Phase IV and V of 2018 WOM Finance Bonds
Berkelanjutan III Tahap I, II, III dan IV Obligasi WOM Finance
07 Januari 2021 Tahun 2018, 2019 dan 2020
BEI 008/I/CS/2021
January 07, 2021 Report on the Realization of the Use of Proceeds from the Sustainable
Public Offering III Phase I, II, III and IV of 2018, 2019 and 2020 WOM
Finance Bonds
Pemberian Informasi atas Surat Bursa Efek Indonesia (BEI)
Nomor S-00575/BEI.PP1/01-2021 perihal Tanggapan atas
01 Februari 2021 Rencana Pemenuhan Peraturan Bursa Nomor I-A Ketentuan V.1
BEI 023/II/CS/2021
February 01, 2021 Provision of Information on the Letter of the Indonesia Stock Exchange
(IDX) Number S-00575/BEI.PP1/01-2021 regarding Responses to the
Plan to Fulfill Exchange Regulations Number I-A Provisions V.1
05 Februari 2021 Januari 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 026/II/CS/2021
February 05, 2021 Submission of Monthly Report on Securities Holder Registration as of
January 2021 of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Laporan Keuangan Tahunan Periode 31
Desember 2020 PT Wahana Ottomitra Multiartha Tbk (Audited)
19 Februari 2021
BEI 034/II/CS/2021 Submission of Annual Financial Statements for the Period of
February 19, 2021
December 31, 2020 of PT Wahana Ottomitra Multiartha Tbk
(Audited)
Tahunan periode 31 Desember 2020 PT Wahana Ottomitra
19 Februari 2021 Multiartha Tbk (Audited)
BEI 035/II/CS/2021
February 19, 2021 Submission of Advertising Evidence in Media for the Annual Financial
Statements of the Period of December 31, 2020 of PT Wahana
Ottomitra Multiartha Tbk (Audited)

.05 .06 .07

Regulator
Pengumuman Rapat Umum Pemegang Saham Tahunan (RUPST)

19 Februari 2021 PT Wahana Ottomitra Multiartha Tbk (Perseroan)
BEI 037/II/CS/2021
February 19, 2021 Announcement of the Annual General Meeting of Shareholders
(AGMS) and Extraordinary General Meeting of Shareholders (EGMS)
of PT Wahana Ottomitra Multiartha Tbk (the “Company)
Penyampaian Bukti Iklan Pengumuman Rapat Umum
19 Februari 2021 Multiartha Tbk (Perseroan)
BEI 039/II/CS/2021
February 19, 2021 Submission of Announcement Evidence of the General Meeting of
Shareholders Annual (AGMS) and Extraordinary General Meeting of
Shareholders (EGMS) of PT Wahana Ottomitra Multiartha Tbk (the
“Company)
Penjelasan Penyebab Perubahan Jumlah Aset/Liabilitas
23 Februari 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 043/II/CS/2021
February 23, 2021 Explanation of the Causes of Changes in Total Assets/Liabilities of
Penjelasan Penyebab Perubahan Jumlah Aset/Liabilitas
25 Februari 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 051/II/CS/2021
February 25, 2021 Explanation of the Causes of Changes in Total Assets/Liabilities of
04 Maret 2021 Februari 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 065/III/CS/2021
March 04, 2021 Submission of Monthly Report on Securities Holder Registration as of
February 2021 PT Wahana Ottomitra Multiartha Tbk
Panggilan Rapat Umum Pemegang Saham Tahunan (RUPST)
08 Maret 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 069/III/CS/2021
March 08, 2021 Invitation to the Annual General Meeting of Shareholders (AGMS)
and the Extraordinary General Meeting of Shareholders (EGMS) of
Saham Tahunan (RUPST) dan Rapat Umum Pemegang Saham
08 Maret 2021 Luar Biasa (RUPSLB) PT Wahana Ottomitra Multiartha Tbk
BEI 071/III/CS/2021
March 08, 2021 Submission of Advertisement Evidence for Invitation to Annual General
Meeting of Shareholders (AGMS) and Extraordinary General Meeting of
Laporan Pelaksanaan dan Hasil Keputusan Rapat Umum
01 April 2021
BEI 133/IV/CS/2021 Multiartha Tbk
April 01, 2021
Report on Implementation and Resolutions of the Annual General

.01 .02 .03 .04

Regulator
Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham

Tahunan (RUPST) dan Rapat Umum Pemegang Saham Luar
BEI 135/IV/CS/2021
April 01, 2021 Submission of Advertising Results Evidence of the Annual General
Koreksi atas Laporan Pelaksanaan dan Hasil Keputusan Rapat
Umum Pemegang Saham Tahunan (RUPST) dan Rapat Umum
05 April 2021 Multiartha Tbk
BEI 144/IV/CS/2021
April 05, 2021 Correction of the Implementation Report and Resolutions of
the Annual General Meeting of Shareholders (AGMS) and the
06 April 2021 Maret 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 148/IV/CS/2021
April 06, 2021 Submission of Monthly Report on Securities Holder Registration as of
March 2021 of PT Wahana Ottomitra Multiartha Tbk
Koreksi atas Penyampaian Laporan Bulanan Registrasi
Pemegang Efek per Maret 2021 PT Wahana Ottomitra
08 April 2021
BEI 149/IV/CS/2021 Multiartha Tbk
April 08, 2021
Correction of Submission of Monthly Report on Securities Holder
Registration as of March 2021 of PT Wahana Ottomitra Multiartha Tbk
Surat Penunjukan Irma & Solomon sebagai Penyedia Jasa
19 April 2021 Hukum PUB IV WOM Finance Tahun 2021
BEI 0496/IV/DIR-WOM/2021
April 19, 2021 Letter of Appointment of Irma & Solomon as Legal Service Provider of
PUB IV WOM Finance in 2021
Surat Penunjukan Ir. Nanette Cahyanie sebagai Notaris PUB IV
19 April 2021 WOM Finance Tahun 2021
April 19, 2021 Letter of Appointment of Ir Nanette Cahyanie as Notary PUB IV WOM
Finance in 2021
Surat Penunjukan Bank BRI sebagai Wali Amanat PUB IV WOM
19 April 2021 Finance Tahun 2021
April 19, 2021 Letter of Appointment of Bank BRI as Trustee of PUB IV WOM Finance
in 2021
Penyampaian Laporan Keuangan Triwulan I Periode 31 Maret
28 April 2021 2021 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
BEI 158/IV/CS/2021
April 28, 2021 Submission of Quarter I Financial Statements for the period March 31,
08 Juni 2021
Obligasi Berkelanjutan II WOM Finance Tahap V Seri B Tahun 2018
BEI June 08, 2021 179/VI/CS/2021
Shelf-Registered Bonds II WOM Finance Phase V Series B of 2018

.05 .06 .07

Regulator

08 Juni 2021
Obligasi Berkelanjutan III WOM Finance Tahap III Seri A Tahun 2020
BEI June 08, 2021 180/VI/CS/2021
Information Disclosure Report or Material Facts Report on Repayment
of Sustainable Bonds III WOM Finance Phase III Series A Year 2020
Pemberitahuan atas Informasi Tambahan Prospektus Ringkas
dalam rangka Penawaran Umum Berkelanjutan IV WOM
21 Juni 2021
BEI 184/VI/CS/2021 Finance Tahap I Tahun 2021
June 21, 2021
Information Disclosure Report or Material Facts Report Notification of
Additional Information Abridged Prospectus for the Continuing Public
Offering IV WOM Finance Phase I 2021
Penyampaian Bukti Iklan Pemberitahuan atas Informasi
Tambahan Prospektus Ringkas dalam rangka Penawaran Umum
21 Juni 2021 Berkelanjutan IV WOM Finance Tahap I Tahun 2021
BEI 185/VI/CS/2021
June 21, 2021 Submission of Advertisement Notification Evidence of Additional
Information Abridged Prospectus in the framework of the WOM
Finance Phase I of 2021 Sustainable Public Offering IV
Penyampaian Prospektus Ringkas dalam rangka Penawaran
21 Juni 2021 Umum Berkelanjutan IV WOM Finance Tahap I Tahun 2021
BEI 186/VI/CS/2021
June 21, 2021 Submission of Abridged Prospectus in the framework of WOM
Finance Phase I of 2021 Sustainable Public Offering IV
05 Juli 2021 Juni 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 202/VII/CS/2021
July 05, 2021 Submission of Monthly Report on Securities Holder Registration as of
June 2021 of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Informasi Tambahan dan/atau Perbaikan
Prospektus Ringkas dalam rangka Penawaran Umum
19 Juli 2021 Berkelanjutan IV WOM Finance Tahap I Tahun 2021
BEI 219/VII/CS/2021
July 19, 2021 Information Disclosure Report or Material Facts Submission of
Additional Information and/or Improvement of the Abridged
Prospectus for the of WOM Finance Phase I 2021 Sustainable Public
Offering IV
Penyampaian Bukti Iklan Penyampaian Informasi Tambahan dan/
atau Perbaikan Prospektus Ringkas dalam rangka Penawaran
19 Juli 2021 Umum Berkelanjutan IV WOM Finance Tahap I Tahun 2021
BEI 220/VII/CS/2021
July 19, 2021 Submission of Advertising Submission Evidence of Additional Information
and/or Improvement of the Abridged Prospectus in the context of the
WOM Finance Phase I IV Sustainable Public Offering in 2021
Penyampaian Informasi Tambahan dan/atau Perbaikan
Prospektus Ringkas dalam rangka Penawaran Umum
19 Juli 2021 Berkelanjutan IV WOM Finance Tahap I Tahun 2021
BEI 221/VII/CS/2021
July 19, 2021 Submission of Additional Information and/or Improvement of the
Abridged Prospectus in the framework of the WOM Finance Phase I
IV Sustainable Public Offering in 2021

.01 .02 .03 .04

Regulator
Permohonan Kolaborasi Program Literasi Keuangan PT Bursa

23 Juli 2021 Efek Indonesia dan PT Wahana Ottomitra Multiartha Tbk
BEI 230/VII/CS/2021
23 July 2021 Application for Collaboration on the Financial Literacy Program of the
Indonesia Stock Exchange and PT Wahana Ottomitra Multiartha Tbk
Penyampaian Hasil Pemeringkatan Tahunan 2021 oleh
PT Fitch Rating Indonesia terhadap PT Wahana Ottomitra
29 Juli 2021
BEI 232/VII/CS/2021 Multiartha Tbk
July 29, 2021
Indonesia to PT Wahana Ottomitra Multiartha Tbk
Triwulan II Periode 30 Juni 2021 PT Wahana Ottomitra
30 Juli 2021 Multiartha Tbk (Unaudited)
BEI 233/VII/CS/2021
July 30, 2021 Submission of Advertising Evidence in the Media for the Second
Quarter Financial Statements for the Period of June 30, 2021 of
PT Wahana Ottomitra Multiartha Tbk (Unaudited)
05 Agustus 2021 Juli 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 242/VIII/CS/2021
August 05, 2021 Submission of Monthly Report on Securities Holder Registration as of
July 2021 of PT Wahana Ottomitra Multiartha Tbk
Obligasi Berkelanjutan III WOM Finance Tahap IV Seri A Tahun
September 10, 2021
BEI 260/IX/CS/2021 2020
September 10, 2021
WOM Finance Sustainable Bonds III Phase IV Series A Year 2020
05 Oktober 2021 Berkelanjutan IV Tahap I Obligasi WOM Finance Tahun 2021
BEI 1139/X/DIR-WOM/2021
October 05, 2021 Report on the Realization of the Use of Proceeds from the WOM
Finance Sustainable Public Offering IV Phase I of 2021
06 Oktober 2021 September 2021 PT Wahana Ottomitra Multiartha Tbk
BEI October 06, 2021 1140/X/DIR-WOM/2021 Submission of Monthly Report of Securities Holder Registration as of
Keterbukaan Informasi Terkait Pengunduran Diri Anggota

18 Oktober 2021 Direksi PT Wahana Ottomitra Multiartha Tbk
October 18, 2021 Information Disclosure Regarding the Resignation of Members of the
Board of Directors of PT Wahana Ottomitra Multiartha Tbk
Keterbukaan Informasi Terkait Pengunduran Diri Sekretaris
18 Oktober 2021 Perusahaan Perseroan PT Wahana Ottomitra Multiartha Tbk
October 18, 2021 Information Disclosure Regarding the Resignation of the Corporate
Secretary of the Company PT Wahana Ottomitra Multiartha Tbk
19 Oktober 2021 Rencana Penyelenggaraan Public Expose Tahunan
October 19, 2021 Annual Public Expose Plan

.05 .06 .07

Regulator
Penyampaian Laporan Keuangan Triwulan III Periode 30

29 Oktober 2021
BEI 1246/X/DIR-WOM/2021 (Unaudited)
October 29, 2021
Submission of Quarterly Financial Reports for the Period of September
30, 2021 of PT Wahana Ottomitra Multiartha Tbk (Unaudited)
Penyampaian Materi Public Expose Tahunan PT Wahana
29 Oktober 2021 Ottomitra Multiartha Tbk
October 29, 2021 Submission of the Annual Public Expose of PT Wahana Ottomitra
Multiartha Tbk
03 November 2021 Oktober 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 1267/XI/DIR-WOM/2021
November 03, 2021 Submission of Monthly Report on Securities Holder Registration as of
October 2021 PT of Wahana Ottomitra Multiartha Tbk
Laporan Pelaksanaan Public Expose Tahunan PT Wahana
08 November 2021 Ottomitra Multiartha Tbk
November 08, 2021 Report on the Implementation of the Annual Public Expose of
15 November 2021 Surat Pelaporan Rencana Penawaran Umum Berkelanjutan
November 15, 2021 Continuous Public Offering Plan Report
06 Desember 2021 November 2021 PT Wahana Ottomitra Multiartha Tbk
BEI 322/XII/CS/2021
December 06, 2021 Submission of Monthly Report on Securities Holder Registration as of
November 2021 of PT Wahana Ottomitra Multiartha Tbk
Pengumuman Rapat Umum Pemegang Saham Luar Biasa
07 Desember 2021 (RUPSLB) PT Wahana Ottomitra Multiartha Tbk
BEI 323/XII/CS/2021
December 07, 2021 Announcement of the Extraordinary General Meeting of Shareholders
(EGMS) of PT Wahana Ottomitra Multiartha Tbk
Penyampaian Bukti Iklan Pengumuman Rapat Umum Pemegang
Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
07 Desember 2021
BEI 324/XII/CS/2021 Submission of Advertisement Announcement Evidence of the
December 07, 2021
Extraordinary General Meeting of Shareholders of PT Wahana
20 Desember 2021 Obligasi Berkelanjutan III WOM Finance Tahap I Seri C Tahun 2018
BEI 329/XII/CS/2021
December 20, 2021 Information Disclosure Report or Material Facts for Repayment of
WOM Finance Sustainable Bonds III Phase I Series C of 2018
Panggilan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB)
22 Desember 2021 2022 PT Wahana Ottomitra Multiartha Tbk
BEI 333/XII/CS/2021
December 22, 2021 Invitation to the 2022 Extraordinary General Meeting of Shareholders
(EGMS) of PT Wahana Ottomitra Multiartha Tbk
Saham Luar Biasa (RUPSLB) 2022 PT Wahana Ottomitra
22 Desember 2021 Multiartha Tbk
BEI 334/XII/CS/2021
December 22, 2021 Submission of Advertisement Evidence for Invitation to the 2022
Extraordinary General Meeting of Shareholders (EGMS) PT Wahana

.01 .02 .03 .04
MEDIA ELEKTRONIK ELECTRONIC MEANS
Perusahaan membangun dan memelihara komunikasi The Company builds and maintains communication
dengan pemangku kepentingan melalui teknologi with stakeholders through appropriate information
informasi dan komunikasi yang sesuai yaitu: and communication technology, namely:
Situs Web Website

Perusahaan telah memiliki media untuk penyediaan The Company has a media for providing Public
lnformasi Publik berupa situs web yang dapat diakses Information in the form of a website that can be
melalui alamat: http://www.wom.co.id. accessed through the address: http://www.wom.co.id.
Situs ini merupakan media daring yang ditujukan untuk The Company’s website is an online media intended
publik. Memuat berbagai informasi dan data mengenai for the public. It contains various information and
Perusahaan, seperti produk, layanan, berita, rilis media data about the Company, such as products, services,
dan informasi penting lainnya yang ditujukan untuk news, media releases and other important information
seluruh pemangku kepentingan. intended for all stakeholders.
Situs web Perusahaan mempublikasikan kebijakan dan The Company’s website publishes the Company’s
informasi penting Perusahaan. important policies and information.
HUBUNGAN MEDIA MEDIA RELATION
Sepanjang 2021, Perusahaan telah melakukan kegiatan Throughout 2021, the Company has carried out Media
Media Relations sebanyak 10 (sepuluh) kali meliputi Relation activities, including 10 (ten) press conferences,
press conference RUPS, press conference Public Expose GMS press conference, Public Expose press conference
dan 8 (delapan) media visit serta news release 65 kali. and 8 (eight) media visits and 65 news releases.

Tanggal Release Judul Release

Release Date Release Title
28 Januari 2021 WOM Finance Serahkan Hadiah Utama Undian Berhadiah WOMbastis ke Konsumen
January 28, 2021 WOM Finance Presents Grand Prize Lottery with WOMbastis Prizes to Consumers
05 Maret 2021 Jelang HUT, WOM Finance Salurkan Bantuan Pandemi Covid-19 di Wilayah Zona Merah Cabang Medan 1
March 05, 2021 Prior to the Anniversary, WOM Finance Distributes Covid-19 Pandemic Aid in the Red Zone Area of the Medan 1 Branch
Jelang HUT, WOM Finance Salurkan Bantuan Pandemi Covid-19 di Wilayah Zona Merah Cabang
05 Maret 2021 Kemayoran
March 05, 2021 Prior to the Anniversary, WOM Finance Distributes Covid-19 Pandemic Aid in the Red Zone Area of the
Kemayoran Branch
06 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Cibinong
March 06, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Cibinong Branch
10 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Bagan Batu
March 10, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Bagan Batu Branch
13 Maret 2021 Tangerang
Tangerang Branch
16 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Sumedang
March 16, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Sumedang Branch

.05 .06 .07

18 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Palembang
March 18, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Palembang Branch
18 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Madiun
March 18, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Madiun Branch
18 Maret 2021 Jelang HUT, WOM Finance Salurkan Bantuan Pandemi Covid-19 di Wilayah Zona Merah Cabang Blitar
March 18, 2021 Prior to the Anniversary, WOM Finance Distributes Covid-19 Pandemic Aid in the Red Zone Area of The Blitar Branch
19 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Banjarmasin
March 19, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Banjarmasin Branch
19 Maret 2021 Semarang
Semarang Branch
Jelang HUT, WOM Finance Salurkan Bantuan Pandemi Covid-19 di Wilayah Zona Merah BU Jabar
19 Maret 2021
Prior to the Anniversary, WOM Finance Distributes Covid-19 Pandemic Aid in the Red Zone Area of the
March 19, 2021
BU West Java
20 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Ciputat
March 20, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Ciputat Branch
20 Maret 2021 Peduli Lingkungan Hidup, WOM Finance Tanam Seribu Pohon untuk Penghijauan Cabang Magelang
March 20, 2021 Caring for the Environment, WOM Finance Plants a Thousand Trees to Reforest the Magelang Branch
23 Maret 2021 Meriahkan HUT ke-39, WOM Finance Lakukan Transformasi Digital dan Peningkatan Layanan
March 23, 2021 Celebrating 39th Anniversary, WOM Finance Performs Digital Transformation and Service Improvement
25 Maret 2021 Lampung
March 25, 2021 Prior to the Anniversary, WOM Finance Distributes Covid-19 Pandemic Aid in the Red Zone Area of the Lampung
Branch
Jelang HUT, WOM Finance Salurkan Bantuan Pandemi Covid-19 di Wilayah Zona Merah Kapos Gowa
25 Maret 2021
Prior to the Anniversary, WOM Finance Distributes Covid-19 Pandemic Aid in the Red Zone Area of the Gowa
March 25, 2021
Kapos
30 Maret 2021 RUPST dan RUPSLB WOM Finance
March 30, 2021 WOM Finance AGMS and EGMS
Berkah Ramadhan, WOM Finance Bagikan Bingkisan Ramadhan kepada Janda dan Dhuafa Cabang
26 April 2021 Betung
April 26, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Betung
Branch
04 Mei 2021 Rawamangun
May 04, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at
Rawamangun Branch
04 Mei 2021 Cileungsi
May 04, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Cileungsi
Branch
04 Mei 2021 Pemalang
May 04, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Pemalang
Branch
04 Mei 2021 Sukabumi
May 04, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Sukabumi
Branch

.01 .02 .03 .04

04 Mei 2021 Padang
May 04, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Padang
Branch
Berkah Ramadhan, WOM Finance Bagikan Bingkisan Ramadhan kepada Janda dan Dhuafa Cabang Air
04 Mei 2021 Molek
May 04, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Air Molek
Branch
Berkah Ramadhan, 'WOM Finance Bagikan Bingkisan Ramadhan kepada Janda dan Dhuafa Cabang
05 Mei 2021 Serang
May 05, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Serang
Branch
06 Mei 2021 Majalengka
May 06, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Majalengka
Branch
06 Mei 2021 Tembesi
May 06, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Tembesi
Branch
06 Mei 2021 Surabaya
May 06, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Surabaya
Branch
07 Mei 2021 Rangkasbitung
May 07, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at
Rangkasbitung Branch
Berkah Ramadhan, WOM Finance Bagikan Bingkisan Ramadhan kepada Janda dan Dhuafa Kantor
07 Mei 2021
Pusat
May 07, 2021
Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Head Office
08 Mei 2021 Parepare
May 08, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Parepare
Branch
08 Mei 2021 Banjarbaru
May 08, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Banjarbaru
Branch
09 Mei 2021 Yogyakarta
May 09, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Yogyakarta
Branch
10 Mei 2021 Sidoarjo
May 10, 2021 Blessings of Ramadan, WOM Finance Distributes Ramadan Gifts to Widows and Underprivileged at Sidoarjo
Branch
25 Mei 2021 WOM Finance Permudah Pembayaran Non Tunai Melalui QRIS
May 25, 2021 WOM Finance Facilitates Non-Cash Payments Through QRIS
22 Juni 2021 WOM Finance Terbitkan Obligasi Berkelanjutan IV Tahap 1 Tahun 2021
June 22, 2021 WOM Finance Issues Shelf-Registered Bonds IV Phase 1 of 2021

.05 .06 .07

23 Juli 2021 WOM Finance Gandeng BAZNAS untuk Berkurban di 15 Kota Se-Indonesia
July 23, 2021 WOM Finance Collaborates with BAZNAS to Donate Sacrificing Animals in 15 Cities in Indonesia
27 Juli 2021 Dukung Anak-Anak Sehat, WOM Finance Donasi Multivitamin di Tengah Pandemi
July 27, 2021 Supporting Healthy Children, WOM Finance Donates Multivitamins in the Midst of a Pandemic
30 Juli 2021 Kinerja WOM Finance Semester 1 Tahun 2021
July 30, 2021 WOM Finance Performance in Semester 1 of 2021
02 Agustus 2021 WOM Finance Luncurkan Produk Pembiayaan Logam Mulia
August 02, 2021 WOM Finance Launches Precious Metals Financing Product
27 Agustus 2021 WOM Finance Bangun Instalasi Hidroponik di 17 Kota
August 27, 2021 WOM Finance Builds Hydroponic Installations in 17 Cities
10 Oktober 2021 WOM Finance dan BAZNAS Gelar Khitanan Massal di Tangerang
October 10, 2021 WOM Finance and BAZNAS Hold Mass Circumcision in Tangerang
16 Oktober 2021 WOM Finance dan BAZNAS Gelar Khitanan Massal di Bekasi
October 16, 2021 WOM Finance and BAZNAS Hold Mass Circumcision in Bekasi
21 Oktober 2021 WOM Finance Edukasi Masyarakat Melalui Inklusi Keuangan
October 21, 2021 WOM Finance Public Education Through Financial Inclusion
22 Oktober 2021 Apresiasi Konsumen Setia, WOM Finance Gelar Pengundian WOMbastis 2021
October 22, 2021 Appreciating Loyal Consumers, WOM Finance Holds 2021 WOMbastis Draw
25 Oktober 2021 Jelang Akhir Tahun, WOM Finance Gelar Pengundian WOMbastis 2020-2021
October 25, 2021 Prior The End of The Year, WOM Finance Holds the 2020-2021 WOMbastis Draw
30 Oktober 2021 WOM Finance Bangun Sumur Wakaf dan MCK di Serang
October 30, 2021 WOM Finance Builds Waqf Wells and Toilets in Serang
03 November 2021 Penyaluran Pembiayaan WOM Finance Meningkat 69%
November 03, 2021 WOM Finance Disbursement Increases 69%
24 November 2021 Peduli Gizi Balita, WOM Finance Laksanakan Pemberian Makanan Tambahan untuk Balita
November 24, 2021 Caring for the Nutrition of Toddlers, WOM Finance Implements Additional Feeding for Toddlers
25 November 2021 WOM Finance Salurkan Bantuan Pendidikan di Sukabumi
November 25, 2021 WOM Finance Distributes Educational Aid in Sukabumi
01 Desember 2021 Hari AIDS Sedunia, WOM Finance Salurkan Donasi ke Yayasan Lentera
December 1, 2021 World AIDS Day, WOM Finance Distributes Donations to Lentera Foundation
03 Desember 2021 WOM Finance Peduli Korban Banjir Bandang Garut
December 03, 2021 WOM Finance Cares for Garut Flash Flood Victims
10 Desember 2021 WOM Finance Gerak Cepat Bantu Korban Erupsi Gunung Semeru
December 10, 2021 WOM Finance Provides Assistance to Victims of the Mount Semeru Eruption
11 Desember 2021 Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Cabang Medan 1
December 11, 2021 Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Medan 1 Branch
13 Desember 2021 WOM Finance Perluas Ekspansi Bisnis, Resmikan Kantor Cabang Baru di Karo
December 13, 2021 WOM Finance Expands Business Expansion and Inaugurates New Branch Office in Karo
13 Desember 2021 Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Cabang Ciputat
December 13, 2021 Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Ciputat Branch
Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Cabang Palembang
14 Desember 2021
Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Palembang
December 14, 2021
Branch
Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Cabang Balikpapan
15 Desember 2021
Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Balikpapan
December 15, 2021
Branch
17 Desember 2021 Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Cabang Bekasi
December 17, 2021 Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Bekasi Branch

.01 .02 .03 .04

18 Desember 2021 Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Kapos Gowa
December 18, 2021 Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Gowa Kapos
Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Cabang Mojokerto
18 Desember 2021
Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Mojokerto
December 18, 2021
Branch
Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas Cabang Yogyakarta
18 Desember 2021
Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at Yogyakarta
December 18, 2021
Branch
20 Desember 2021 Rayakan Natal, WOM Finance Bagikan Kado Natal ke Anak Disabilitas BU Jabar
December 20, 2021 Celebrating Christmas, WOM Finance Distributes Christmas Gifts to Children with Disabilities at BU West Java
RAGAM MEDIA YANG DIGUNAKAN VARIOUS MEDIA
Di bawah ini adalah tabel yang menggambarkan ragam The following table describes the various
media komunikasi yang digunakan Perseroan untuk communication media used by the Company to convey
menyampaikan data dan informasi terkait aktivitas data and information related to operational activities,
operasional, proses usaha dan capaian-capaian kinerja business processes and performance achievements that
yang telah diraih Perseroan. have been achieved by the Company.
Kepada Bentuk-Bentuk Media

To Type of Media
RUPS, Korespondensi surat menyurat dan email

Regulator
GMS, Correspondence and Email
Pemegang Saham RUPS dan Surat menyurat
Shareholders GMS and Correspondence
Investor Keterbukaan Informasi Kepada Publik
Investors Information Disclosure to the Public
Konsumen Surat Menyurat, Email, Proposal
Consumer Correspondence, Email, Proposal
Karyawan Email, Surat, Majalah Dinding
Employee Email, Letter, Wall Magazine
Perusahaan sejenis lainnya Surat Menyurat, Email
Other similar companies Correspondence, Email
Mitra Kerja dan Rekanan Surat Menyurat, Email
Partners Correspondence, Email
Organisasi Profesi Surat Menyurat, Email
Professional Organization Correspondence, Email
Masyarakat umum Keterbukaan Informasi
General Public Information Disclosure

.05 .06 .07
Kode Etik
Code of Conduct
Perseroan telah menyusun Kode Etik sebagai salah satu The Company has compiled a Code of Ethics as a form
wujud pengimplementasian GCG yang konsisten dan of consistent and directed GCG implementation. For
terarah. Bagi Perseroan, Kode Etik ini sangat penting the Company, this Code of Ethics is very important
sebagai bagian pengimplementasian GCG secara as part of the overall implementation of GCG. Thus,
menyeluruh. Dengan demikian, diharapkan dapat it is expected to increase the value of the company
meningkatkan nilai perusahaan dan mengupayakan and strive for sustainable business growth in the long
pertumbuhan bisnis secara berkelanjutan dalam jangka term, both for Capital Owners/Shareholders and other
panjang, baik bagi Pemilik Modal/Pemegang Saham Stakeholders.
maupun Pemangku Kepentingan lainnya.
Dengan memberlakukan Kode Etik, Perseroan berharap By enforcing the Code of Ethics, the Company hopes
agar segenap SDM di Perusahaan memiliki dan that all human resources in the Company have and make
menjadikan perilaku etis sebagai budaya perusahaan. ethical behavior a corporate culture. Ethical behavior
Perilaku beretika akan menimbulkan rasa saling will create mutual trust between the Company and
percaya antara Perseroan dengan para pemangku stakeholders, as well as prevent opportunistic actions
kepentingan, serta mencegah tindakan oportunis di among employees, consumers, business partners and
kalangan karyawan, konsumen, mitra usaha, maupun suppliers. The Company establishes the Code of Ethics
pemasok (supplier). Perusahaan menetapkan Kode based on its vision, mission and core values. The Code of
Etik dengan berpedoman pada visi, misi dan nilai inti Ethics will be a reference for matters related to conflicts
Perusahaan (core value). Kode Etik akan menjadi acuan of interest, handling information and enforcing
bagi hal-hal yang terkait dengan conflict of interest, regulations within the Company.
penanganan informasi, serta penegakan peraturan di
lingkungan Perusahaan.
Perseroan mewajibkan seluruh karyawan untuk The Company requires all employees to comply with the
mematuhi Kode Etik Perusahaan. Karyawan yang Company’s Code of Ethics. Employees who commit any
melakukan segala bentuk pelanggaran terhadap Kode form of violation of the Code of Ethics will be subject
Etik, akan dikenakan sanksi atau tindakan disiplin. to sanctions or disciplinary action. In line with this,
Sejalan dengan hal tersebut, Perseroan akan senantiasa the Company will always instill a Code of Ethics in the
menanamkan Kode Etik dalam budaya kerja. Dengan work culture. Thus, the Company can establish sound,
demikian, Perusahaan dapat membangun sumber professional, independentm and trustworthy human
daya manusia yang sehat, profesional, mandiri, resources that are able to face various challenges with
dapat dipercaya serta mampu menghadapi berbagai the Company in the future.
tantangan yang dihadapi Perusahaan pada masa
mendatang.
POKOK-POKOK KODE ETIK PERUSAHAAN CODE OF ETHICS KEY POINTS
Pokok-Pokok Kode Etik dan Pedoman Tingkah Laku Code of Conducts Key Points
Kode Etik dan Pedoman Tingkah Laku yang berlaku di The applicable Code of Conduct in the Company covers
Perseroan meliputi beberapa bagian, yaitu: several parts, as follows:
1. Nilai-nilai Dasar (Core Values) yang berisi nilai- 1. Core Values containing the Company’s corporate
nilai budaya di Perseroan yang diharapkan dapat culture that expected to be implemented as work
diterapkan menjadi etos kerja seluruh pihak yang ethics of all the Company’s employees.
bekerja di Perseroan.

.01 .02 .03 .04
2. Komitmen atas Kode etik dan Pedoman Tingkah 2. Code of Conduct commitment, containing approval
Laku yang berisi pernyataan persetujuan dari statements from all the Company’s employees to
seluruh pihak yang bekerja di Perseroan untuk render its commitment toward the Company’s Code
berkomitmen atas Kode Etik dan Pedoman Tingkah of Conduct.
Laku Perseroan.
3. Standar-standar (norma-norma) tingkah laku dalam 3. Standards of behavior (norms) within the Code of
Kode Etik dan Pedoman Tingkah Laku yang terdiri Conduct, which consist of:
atas:
a. Tanggung jawab kepada Perseroan yang a. Responsibility to the Company, which covers:
memuat:
i. Standar Etika; i. Ethical Standard;
ii. Kebijakan dan strategi perusahaan; ii. Company’s policies and strategy;
iii. Bertindak dengan itikad baik, jujur dan iii. Act in good faith, honest and professional;
profesional;
iv. Bekerja dengan memberikan karya terbaik; iv. Work with best performance;
v. Menggunakan dan menjaga aset Perseroan; v. Use and maintain the Company’s assets;
vi. Menolak pencucian uang danpembiayaan vi. Refuse money laundering and terrorism
terorisme; funding;
vii. Penggunaan media sosial; vii. Usage of social media;
viii. Kebijakan untuk pelaporan pelanggaran viii. Whistleblowing system policy
(whistleblowing).
b. Tanggung jawab di tempat kerja, yang memuat: b. Responsibility at Work Place which covers:
i. Praktik penggunaan tenaga kerja secara i. Fair and honest practices of manpower
adil dan jujur; usage;
ii. Menjaga hubungan baik antar karyawan ii. Maintain good relations between the
Perseroan; Company’s employees;
iii. Menjaga kesehatan dan keselamatan kerja; iii. Maintain occupational health and safety;
iv. Sopan santun berpakaian di lingkungan iv. Decent way of clothing in the Company’s
kerja Perseroan; work place;
v. Pekerjaan di luar Perseroan atau v. External works or external business interests;
kepentingan bisnis eksternal; vi. Corporate Social Responsibility Culture.
vi. Budaya tanggung jawab sosial perusahaan
(Corporate Social Responsibility).
c. Etika Mewakili Perseroan dan Berinteraksi c. Ethics in Representing the Company and
Dengan Pihak Luar, yang memuat: Interacting with External Parties, which covers:
i. Perlakuan yang adil; i. Fair treatment;
ii. Dasar kerjasama dengan pemasok (vendor); ii. Cooperation base with vendors;
iii. Pernyataan kepada publik atau massa; iii. Public or mass statements;
iv. Hadiah dan hiburan; iv. Presents and entertainment;
v. Menjaga pemisahan tugas dan tanggung v. Maintain the segregation of duties.
jawab (Segregation of Duties).
d. Kerahasiaan d. Confidentiality
e. Investasi dan Kegiatan Luar, yang memuat: e. Investment and External Activities, which covers:
i. Perdagangan orang dalam (insider trading); i. Insider trading;
ii. Mengelola benturan kepentingan. ii. Conflict of interests handling.
f. Kepatuhan f. Compliance
g. Sanksi g. Sanctions

.05 .06 .07
4. Pernyataan Komitmen Pribadi 4. Personal Commitment Statement.

Pemberlakuan Kode Etik dan Pedoman Tingkah Code of Conduct Enforcements and Company’s Code
Laku Kode Etik dan Pedoman Tingkah Laku of Conduct is applicable for all of the Company’s
Perseroan berlaku untuk seluruh insan di Perseroan, employees, which covers:
yang mencakup atas:
- Segenap karyawan Perseroan; - All employees of the Company;
- Anggota Direksi, Dewan Komisaris dan Dewan - Members of the Board of Directors, Board of
Pengawas Syariah Perseroan; Commissioners and Sharia Supervisory Board of
the Company;
- Anggota Komite-Komite Perseroan yang - Members of the Company’s Committees who are
dibentuk dan bertanggungjawab kepada formed and are responsible to the Board of Directors
Direksi atau Dewan Komisaris Perseroan. or the Board of Commissioners of the Company.
Penyebarluasan Kode Etik dan Pedoman Tingkah Laku Dissemination of Code of Conduct
Untuk memudahkan akses karyawan Perseroan, buku For the accessibility to the Company’s employees, the
Kode Etik dan Pedoman Tingkah Laku juga dibuat Code of Conduct book is produced digitally and has
dalam bentuk digital dan telah diunggah dan dapat been uploaded for access in information system in a
diakses di sistem informasi berupa portal internal form of the Company’s internal portal.
Perseroan.
Sanksi dalam Kode Etik dan Pedoman Tingkah Laku Code of Conduct Sanction
Karyawan Perseroan dalam tingkatan apapun, apabila In the event that any employees of the Company are
jelas terbukti telah melakukan pelanggaran terhadap proven violated the Code of Conduct that may cause
Kode Etik dan Pedoman Tingkah Laku yang dapat disciplinary actions, the Company shall impose the
mengakibatkan tindakan indisipliner, Perseroan sanctions in accordance with the sanction levels stated
akan mengeluarkan sanksi sesuai dengan tingkatan in the Company’s internal rules and/or prevailing
sanksi dalam ketentuan internal Perseroan dan/atau regulatories.
Pelanggaran-pelanggaran terhadap Kode Etik The violations on the Company’s Code of Conduct may
dan Pedoman Tingkah Laku Perseroan dapat juga also in a form of breaching of the legal rules that may
merupakan suatu pelanggaran terhadap ketentuan risk of being subjected to criminal and civil sanctions on
hukum yang dapat berisiko dikenakannya sanksi the Company’s employees and/or the Company.
pidana dan sanksi perdata atas karyawan Perseroan
dan/atau Perseroan.

.01 .02 .03 .04
Pelanggaran Kode Etik dan Pedoman Tingkah Laku Violations of Code of Conduct and Sanctions
Beserta Sanksi yang Diberikan
Selama tahun 2021, Perseroan telah menyelesaikan During 2021, the Company has settled the violations
kasus pelanggaran terhadap Kode Etik dan Pedoman cases on Code of Conduct.
Tingkah Laku.
Kebijakan Pemberian Kompensasi Jangka Panjang Policy on Provision of Performance-Based Long-Term

Berbasis Kinerja kepada Manajemen dan/atau Compensation to Management and/or Employees
Karyawan
Perseroan telah memiliki program pensiun untuk The Company has a pension plan for severance
kompensasi pesangon yang mana Perseroan membayar compensation in which the Company pays contributions
iuran ke dana Pensiun Lembaga Keuangan (DPLK) yang to the Financial Institution Pension Fund (DPLK) which
dihitung berdasarkan jumlah tertentu dari penghasilan is calculated based on a certain amount of fixed income
tetap yang diterima karyawan yang sudah memenuhi received by employees who meet the criteria set by the
kriteria yang ditetapkan Perseroan. Company.

.05 .06 .07
Informasi Mengenai Pemegang Saham

Utama & Pemegang Saham Pengendali
Information about Major & Controlling Shareholders
KOMPOSISI PEMEGANG SAHAM SHAREHOLDERS COMPOSITION
Komposisi kepemilikan saham Perseroan tahun 2021 The composition of the Company’s share ownership in
terdiri dari kepemilikan saham: 2021 consists of share ownership:
Nama Pemegang Saham Jumlah Saham Persentase Kepemilikan

No Status
Shareholders Name Total Shares Ownership (%)
Pemegang Saham
Utama dan Pemegang
1 PT Bank Maybank Indonesia Tbk Saham Pengendali 2.349.646.729 67,49
Major and Controlling
Shareholder
Pemegang Saham
2 PT Wahana Makmur Sejati* Utama 870.600.000 25,01
Major Shareholder
Masyarakat
3 261.234.751 7,50
Public
*) PT Wahana Makmur Sejati sedang dalam proses perolehan persetujuan dari Otoritas Jasa Keuangan sebagaimana dipersyaratkan POJK Nomor 27/POJK.03/2016 tentang
Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan agar PT Wahana Makmur Sejati dapat menjalankan tindakan, tugas dan fungsinya
sebagai pihak utama pemegang saham pengendali Perseroan.
*) PT Wahana Makmur Sejati is in the process of acquiring approval from the Financial Services Authority as required by POJK Number 27/POJK.03/2016 on the Fit and
Proper Assessment for the Main Parties of Financial Services Entities so that PT Wahana Makmur Sejati can carry out its actions, duties, and functions as the majority
shareholder controlling of the Company.

.01 .02 .03 .04
Pemegang Saham dengan Kepemilikan

Saham 5% atau Lebih
Shareholders with 5% Share Ownership or More
Per 31 Desember 2021, pemegang saham dengan As of 31 December 2021, shareholders with 5% share
kepemilikan saham 5% atau lebih, sebagai berikut: ownership or more, as follows:
Nama Pemegang Saham Jumlah Saham Persentase Kepemilikan

No Status
Shareholders Name Total Shares Ownership (%)
Pemegang Saham
Utama dan
Pemegang Saham
1 PT Bank Maybank Indonesia Tbk Pengendali 2.349.646.729 67,49
Major and
Controlling
Shareholder
Pemegang Saham
2 PT Wahana Makmur Sejati* Utama 870.600.000 25,01
Major Shareholder
*) PT Wahana Makmur Sejati sedang dalam proses perolehan persetujuan dari Otoritas Jasa Keuangan sebagaimana dipersyaratkan POJK Nomor 27/POJK.03/2016 tentang
Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan agar PT Wahana Makmur Sejati dapat menjalankan tindakan, tugas dan fungsinya
sebagai pihak utama pemegang saham pengendali Perseroan.

.05 .06 .07
Informasi Mengenai Pemegang Saham

Pengendali/Pemegang Saham Utama
Information About Controlling/Major Shareholder
Pemegang saham utama dan pemegang saham The main and controlling shareholders are as follows:
pengendali sebagai berikut:
STRUKTUR PEMEGANG SAHAM PERSEROAN COMPANY SHAREHOLDER STRUCTURE
Nama Pemegang Saham Persentase Kepemilikan (%)

No
Shareholders Name Ownership
1 PT Bank Maybank Indonesia Tbk 67,49

2 PT Wahana Makmur Sejati* 25,01
*) PT Wahana Makmur Sejati sedang dalam proses perolehan persetujuan dari Otoritas Jasa Keuangan sebagaimana dipersyaratkan POJK Nomor 27/POJK.03/2016
tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan agar PT Wahana Makmur Sejati dapat menjalankan tindakan, tugas dan
fungsinya sebagai pihak utama pemegang saham pengendali Perseroan.
HUBUNGAN AFILIASI ANTARA ANGGOTA DIREKSI, AFFILIATION BETWEEN MEMBER OF BOARD OF

DEWAN KOMISARIS DAN PEMEGANG SAHAM UTAMA & DIRECTORS, BOARD OF COMMISSIONERS AND MAJOR &
PEMEGANG SAHAM PENGENDALI CONTROLLING SHAREHOLDERS
Dewan Komisaris dan Direksi Perseroan senantiasa The Board of Commissioners and the Board of Directors
menjaga independensi dan menghindari benturan of the Company always maintain their independence
kepentingan yang dapat mengganggu kemampuannya and avoid conflicts of interest that could interfere with
untuk melaksanakan tugas secara profesional dan their ability to carry out their duties professionally and
obyektif. objectively.
Mayoritas anggota Dewan Komisaris dan Direksi The majority of the members of the Board of
Perseroan tidak memiliki hubungan afiliasi baik Commissioners and the Board of Directors of the
hubungan keluarga maupun keuangan dengan sesama Company have no affiliation, both family and financial
anggota Dewan Komisaris, Direksi dan pemegang relationships with fellow members of the Board of
saham utama Perseroan, namun terdapat anggota Commissioners, Board of Directors and the major
Dewan Komisaris sebanyak 60% (enam puluh persen) shareholders of the Company. However, there are
dari anggota Dewan Komisaris Perseroan yang memiliki members of the Board of Commissioners as much as
hubungan afiliasi berupa hubungan keuangan dengan 60% (sixty percent) of the member of the company’s
pemegang saham utama Perseroan. Board of Commissioners who have a relationship
affiliation in the form of a financial relationship with
the major shareholders of the Company.

.01 .02 .03 .04
Tabel Hubungan Keuangan dan Hubungan Keluarga Dewan Komisaris

Table of Financial Relations and Family Relation of Board of Commissioners
Hubungan Keuangan dengan: Hubungan Keluarga dengan:

Financial Relations with: Family Relationship with:
Pemegang Pemegang
Dewan Saham Dewan Saham
Direksi Direksi
Nama Jabatan Komisaris Utama Komisaris Utama
Board of Board of
Name Position Board of Board of
Directors Directors
Commissioners Main Commissioners Main
Shareholders Shareholders
Ya Tidak Ya Ya Tidak Ya Tidak

Yes No Yes Tidak Yes No Ya Tidak Yes No Ya Tidak
Presiden Komisaris/
I Nyoman Komisaris Independen √ √ √ √ √ √
Tjager President Commissioner/
Commissioner Independent
Robbyanto Wakil Presiden Komisaris √ √ √ √ √ √
Budiman Vice President Commissioner
Garibaldi Komisaris √ √ √ √ √ √
Thohir Commissioner
Myrnie Komisaris Independen
Zachraini √ √ √ √ √ √
Commissioner Independent
Tamin
Thilagavathy Komisaris √ √ √ √ √ √
Nadason Commissioner
Tabel Hubungan Keuangan dan Hubungan Keluarga Direksi

Table of Financial Relations and Family Relations of the Board of Directors
Hubungan Keuangan dengan: Hubungan Keluarga dengan:

Financial Relations with: Family Relationship with:
Pemegang Pemegang
Dewan Saham Dewan Saham
Direksi Direksi
Nama Jabatan Komisaris Utama Komisaris Utama
Board of Board of
Name Position Board of Board of
Directors Directors
Commissioners Main Commissioners Main
Shareholders Shareholders
Ya Tidak Ya Ya Tidak Ya Tidak

Tidak Ya Tidak Ya Tidak
Yes No Yes Yes No Yes No
Djaja Suryanto Presiden Direktur √ √ √ √ √ √

Sutandar President Director
Zacharia Direktur √ √ √ √ √ √
Susantadiredja*) Director
Anthony Yuarez Direktur √ √ √ √ √ √
Panggabean Director
Direktur
Njauw Vido Onadi √ √ √ √ √ √
Director
Direktur
Wibowo √ √ √ √ √ √
Director
*) Mengundurkan diri sebagai Direktur dan Sekretaris Perusahaan pada tanggal 15 November 2021

.05 .06 .07
Sistem Pelaporan Pelanggaran

Whistleblowing System
Berdasarkan Peraturan Bank Indonesia Nomor 13/28/DPNP Based on Bank Indonesia Regulation Number 13/28/DPNP
tanggal 9 Desember 2011 tentang Penerapan Strategi dated December 9, 2011 regarding the Implementation
Anti Fraud bagi Bank Umum, SE Internal Nomor 2016/ of Anti-Fraud Strategy for Commercial Banks, SE Internal
PRESDIR tanggal 28 Maret 2016 tentang Kebijakan dan Number 2016/PRESDIR dated March 28, 2016 concerning
Prosedur Penerapan Strategi Anti Fraud dan Peraturan Policies and Procedures for Implementing Anti-Fraud
Otoritas Jasa Keuangan Nomor 35/POJK.05/2018 tentang Strategy and Regulation of the Financial Services Authority
Penyelanggaran Usaha Perusahaan Pembiayaan, PT Number 35/POJK.05/2018 concerning Business Violations
Bank Maybank Indonesia Tbk dan anak Perusahaan of Financing Companies, PT Bank Maybank Indonesia Tbk
yaitu Perseroan telah melakukan berbagai upaya and its subsidiary and the Company, have made various
untuk memantau dan memitigasi risiko fraud melalui efforts to monitor and mitigate fraud risk through the
penerapan 4 (empat) pilar yaitu: implementation of 4 (four) pillars, namely:
1. Pencegahan 1. Prevention
2. Deteksi 2. Detection
3. Investigasi, Pelaporan dan Sanksi 3. Investigation, Reporting and Sanction
4. Pemantauan, Evaluasi dan Tindak Lanjut 4. Monitoring, Evaluation and Follow-up
Sebagai upaya untuk memantau dan mengendalikan In the effort to monitoring and control the fraud
fraud pada pilar deteksi, Perseroan menyediakan at detection pillar, the Company provides the
kebijakan whistleblowing system sebagai sarana whistleblowing system policy as a fraud reporting
laporan pengaduan fraud dari seluruh karyawan facility from the entire employess of Company at
Perseroan baik di cabang, business unit maupun kantor branches, business units and head office. Including
pusat, hasil temuan Internal Audit dan Anti Fraud serta finding results of Internal Audit and Anti Fraud as
dari pihak eksternal kepada Presiden Direktur dengan well as from external parties to the President Director,
menitikberatkan pada pengungkapan dari pengaduan by emphasizing on whistleblowing disclosures to
untuk meningkatkan efektivitas penerapan sistem enhance the effectiveness of fraud control system
pengendalian fraud. implementation.
Whistleblowing System sebagai salah satu program Whistleblowing System as one of the Anti Fraud
Strategi Anti Fraud yang bertujuan untuk: Strategy programs that aim to:
1. Mendeteksi kejahatan fraud atau indikasi 1. Detect fraud crimes or fraud indications through
fraud melalui laporan pengaduan yang dapat whistleblowing report that can be submitted with
disampaikan dengan mencantumkan secara jelas clear identity, for further investigation process or
identitasnya, untuk selanjutnya dapat dilakukan follow up.
proses investigasi ataupun tindakan tindak lanjut.
2. Mendorong awareness atau kepedulian seluruh 2. Bolster the awareness or engagement of all
karyawan untuk turut serta menjaga unit kerjanya employees to participate and maintain their work
dari kerugian akibat fraud sehingga kualitas units from any loss due to fraud thereby creating
pengawasan lebih baik dan rasa ikut memiliki (sense better oversight quality and higher sense of
of belonging) karyawan menjadi lebih tinggi. belonging within the employees.
3. Meningkatkan reputasi perusahaan khususnya 3. Enhance the corporate reputation specifically in the
dalam konteks Good Corporate Governance yang context of Good Corporate Governance, which will
akan meningkatkan citra perusahaan karena improve the corporate image, resulted from the
memiliki kelengkapan perangkat anti fraud yang adequate anti fraud tools completeness.
memadai.

.01 .02 .03 .04
PENYAMPAIAN LAPORAN PELANGGARAN WHISTLEBLOWING MECHANISM
Perseroan menyediakan fasilitas penyampaian The Company provides the whistleblowing reporting
laporan pelanggaran baik yang masih berupa dugaan mechanism for both under presumption or has been
maupun telah terbukti terjadi melalui email Jendela proven to occur through email facility called Jendela
(jendela@wom.co.id). Laporan yang diterima akan (jendela@wom.co.id). The incoming reportings will
diproses sesuai dengan kebijakan SOP dan peraturan be processed according to the SOP policy and other
lainnya yang berlaku di Perseroan. prevailing regulations at the Company.
Indikasi fraud atau fraud dapat disampaikan oleh Fraud Indications or fraud can be submitted by the risk
pelapor (risk owner) melalui mekanisme sebagai owner through the following mechanisms:
berikut:
1. Risk owner mengirimkan laporan ke email Jendela 1. Risk owners submit the report to email Jendela
(jendela@wom.co.id). (jendela@wom.co.id).
2. Operational Risk & Enterprise Risk Management (OR 2. The Operational Risk & Enterprise Risk Management
& ERM) akan menerima email Jendela kemudian (OR & ERM) will receive the email Jendela, then will
melakukan analisis kelayakan follow up risk event analyse the qualification on the follow up risk event
dan mendiskusikan pembagian tanggung jawab. and to discuss the segregation of responsibilities for
the follow up risk event to the Jendela Team.
3. Jika hasil analisis kelayakan follow up risk event, 3. If the qualification analysis result of the follow up
laporan tidak memenuhi standar kelayakan, maka risk event, in which the report does not meet the
risk owner akan mendapatkan feedback follow up qualification standard, then the risk owner will
risk event. receive the feedback of follow up risk event.
4. Jika hasil analisis kelayakan follow up risk event, 4. If the qualification analysis result of the follow up risk
laporan memenuhi standar kelayakan maka Tim event, in which the report has met the qualification
Jendela akan menentukan Penanggung Jawab standard, then the Jendela Team will determine the
Investigasi berdasarkan analisis risk event, kategori Investigation PIC based on the risk event analysis,
kasus dan nilai kerugian yang ditimbulkan. cases category and loss value that occurred.
PIC Investigasi Analisis Risk Event Kategori Kasus Nilai Kerugian

No
PIC in Investigation Risk Event Analysis Case Category Loss Value
Sistematik Non pidana/Non-criminal Tidak dibatasi

1 Internal Audit
Systematic Undifined Unlimited
Sekurang-kurangnya
Sistematik/Systematic Pidana
2 Anti Fraud Rp2.500.000
Non Sistematik/Non-Systematic Criminal
At least Rp2,500,000
Keterangan
Remarks
Insiden yang dilakukan oleh lebih dari dua orang dan atau ada keterlibatan lintas fungsi,
minimal melibatkan satu karyawan level Head dan berulang tanpa bisa terindetifikasi oleh risk
Sistemik
a owner.
Systematic
Incidents carried out by more than two people and/or cross-functional involvement, involving at least one
Head level employee. The incidents is repeatable and unidentifiable by the risk owner.

.05 .06 .07
Keterangan
Remarks
Insiden yang dilakukan oleh paling banyak dua orang dalam satu unit kerja dimana pelaku
Non Sistemik berada pada level staf dan/atau supervisor.
b
Non Systematic Incidents carried out by a maximum of two people in one work unit where the perpetrator is at the staff
and/or supervisor level.
Kasus yang tidak berkaitan dengan hukum yang telah ditetapkan oleh negara namun
Non Pidana melanggar peraturan perusahaan, kode etik karyawan atau norma.
c
Non-Criminal Cases that are not related to laws established by the State but violate company regulations, employee
code of ethics or norms.
Kasus yang berkaitan dengan hukum yang ditetapkan negara yang ditunjukkan dengan adanya
Pidana bukti awal yang memadai.
d
Criminal Cases related with laws established by the State, which are shown by the existence of sufficient initial
evidence.
Bagan Penyampaian Laporan Pelanggaran

Whistleblowing Report Submission Diagram
Risk Owner Or & ERM Jendela Team Anti Fraud

Feasibility analysis of
Submission of reports Establish an Received OTC Jendela
follow up risk event
to the Jendela investigative PIC Internal Audit • Criminal Cases
Feedback follow up risk • Systematics/non
event ke risk owner Received OTC Jendela systematics
›› Criminal cases • Losses of minimum
Feedback follow up risk ›› Systematics 2.500.000
event ke Tim owner ›› Unlimited losses
PERLINDUNGAN BAGI WHISTLEBLOWER PROTECTION FOR WHISTLEBLOWERS
Setiap pelapor akan diberikan jaminan perlindungan Each reporter will be given a guarantee of protection
dari Perseroan sebagai berikut: from the Company as follows:
1. Email Jendela hanya bisa diakses oleh Direksi, 1. Jendela Email can only be accessed by the Board
Chief Human Capital, Anti Fraud Division Head, of Directors, Chief Human Capital, Anti Fraud
Internal Audit Division Head dan Risk Management Division Head, Internal Audit Division Head and
Division Head. Keterbatasan akses terhadap email Risk Management Division Head. The limited access
ini berfungsi untuk menjaga kerahasiaan informasi/ to this email serves to maintain the confidentiality
laporan berikut pelapornya. of the information/report along with the reporter.
2. Perseroan menjamin kerahasiaan identitas pelapor 2. The Company guarantees the confidentiality of
(nama, alamat, nomor telepon, email dan unit risk owners’ identity (name, address, telephon
kerja) serta memberikan perlindungan kepada number, email and work unit) as well as provides
pelapor dari segala bentuk ancaman, intimidasi protection for the risk owners from any form of
ataupun tindakan tidak menyenangkan dari pihak threats, intimidations, or unpleasant acts from any
manapun, selama atau sepanjang pelapor dapat party, to the extent or as long as the risk owners
menjaga kerahasiaan kasus yang diadukan atau can maintain the confidentiality of the claimed or
dilaporkan. reported cases.

.01 .02 .03 .04
3. Perlindungan ini juga berlaku bagi petugas 3. This protection shall also apply to the officers
yang ditunjuk perusahaan dalam melaksanakan appointed by the Company in doing the
investigasi, verifikasi maupun pihak-pihak yang investigations, verifications or parties that provides
memberikan informasi terkait dengan pengaduan relevant information on the whistleblowing and
dan fakta penyimpangan. violations facts.
4. Para pihak yang diberikan kewenangan oleh 4. The parties who are authorized by the Company in
Perseroan dalam proses terkait dengan pelaporan the reporting and complaints process, who violate
dan pengaduan, yang melanggar prinsip the confidentiality principle will be penalized in
kerahasiaan akan diberikan sanksi sesuai dengan accordance with the provisions and regulations
ketentuan dan peraturan yang berlaku di Perseroan. applicable in the company.
PENANGANAN PENGADUAN COMPLAINT HANDLING
1. Pengaduan yang berasal dari whistleblower yang 1. The complaints from the whistleblowers sent to
masuk ke email Jendela (jendela@wom.co.id) akan Jendela email (jendela@wom.co.id) will be analyzed
dilakukan analisa oleh OR & ERM Department by the OR & ERM Department to determine the
untuk menentukan pihak yang akan menangani party that will handle such complaints.
pengaduan tersebut.
2. Laporan pengaduan yang perlu ditindaklanjuti 2. The complaint reports that require a follow up will
akan ditransfer kasusnya secara resmi atau Officially be officially transferred (OTC) to the Internal Audit
Transferred Case (OTC) melalui email ke Internal or Anti Fraud through email in accordance with its
Audit atau Anti Fraud sesuai dengan kategori cases category.
kasusnya.
3. Pengaduan akan ditindaklanjuti oleh tim Internal 3. The complaints will be followed up by Internal Audit
Audit atau Anti Fraud, meliputi proses investigasi or Anti Fraud team, covering the process of root cause
root cause, penyusunan kronologis insiden, action investigation, incident chronology development,
plan, hingga pemberian sanksi terhadap pelaku action plan and sanctions to the suspect (both
(baik sanksi perusahaan maupun sanksi hukum). company’s sanctions or legal sanctions).
PIHAK YANG MENGELOLA PENGADUAN COMPLAINT MANAGEMENT
1. Divisi Risk Management merupakan unit kerja yang 1. The Risk Management Unit is a work unit managing
mengelola seluruh laporan pengaduan dari pelapor all whistleblowing reports from the risk owners.
(risk owner).
2. Divisi Internal Audit merupakan unit kerja yang 2. The Internal Audit Unit is a work unit managing
mengelola laporan pengaduan yang diterima dari the incoming whistleblowing reports from the Risk
Risk Management (sudah di-OTC dan merupakan Management (already OTC and a noncriminal case
kasus non-pidana atau undifined). Jika diperlukan, or undefined). The Internal Audit will investigate
Internal Audit akan melakukan investigasi lebih the incoming reports further, if required.
lanjut pada laporan yang diterima.
3. Divisi Anti Fraud merupakan unit kerja yang 3. The Anti Fraud Division is a work unit managing
mengelola laporan pengaduan yang diterima dari the incoming whistleblowing reports from the Risk
Risk Management (sudah di-OTC dan merupakan Management (already OTC and a criminal cases).
kasus pidana). Jika diperlukan, Anti Fraud akan The Anti Fraud will investigate the incoming reports
melakukan investigasi lebih lanjut pada laporan further, if required.
yang diterima.

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JUMLAH PENGADUAN YANG MASUK DAN DIPROSES NUMBER OF COMPLAINTS RECEIVED AND PROCESSED IN
PADA TAHUN BUKU TERAKHIR THE LAST FISCAL YEAR
Jumlah Kasus
Daerah Kerugian yang Sebenarnya Potensi Kerugian
Number of
Regional Actual Loss Potensial Loss
Cases
Kantor Pusat
1 77.290 -
Head Office
Jakarta, Bogor, Depok, Bekasi 4 - 15.000.000
Jawa Barat
2 22.628.000 -
West Java
Jawa Tengah
6 - 8.099.000
Central Java
Jawa Timur, Bali, Nusa Tenggara
8 18.161.228 12.527.134
East Java, Bali, Nusa Tenggara
Sumatera Bagian Utara
2 1.060.000 -
North of Sumatera
Sumatera Bagian Selatan
6 48.677.562 -
South of Sumatera
Kalimantan Sulawesi 3 - 24.852.000
Banten 1 6.000.000 -
Jumlah
33 96.604.080 60.478.134
Total
Berdasarkan Status Kasus

Based on Case Status
Tipe Kasus Status Case Jumlah Kasus

Type of Case Case Status Number of Cases
Recovery 6
Pemanggilan Terlapor
5
Reported Call
Proses Penangkapan
5
Detention Process
Case Closed 4
Litigation
Proses Pemeriksaan Saksi Terlapor
2
Defendant Witness Examination Process
Putusan Pengadilan
1
Court Ruling
Gelar Perkara Kepolisian
1
Police Reconstruction
Litigation Total 24
Non Litigasi Non Litigasi
9
Non-Litigation Non-Litigation
Non Litigasi Total
9
Non-Litigation Total
Jumlah
33
Total

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Kebijakan Anti Korupsi

Anti Corruption Policy
Perseroan berkomitmen penuh untuk memberantas The Company is fully committed to eradicating
korupsi yang berdampak sangat luas bagi sendi-sendi corruption, which has a very broad impact on the
kehidupan berbangsa, bernegara dan bermasyarakat. life of the nation, state and society. To support this
Untuk mendukung komitmen tersebut, Perseroan commitment, the Company implements anti-corruption
menerapkan praktik dan budaya anti korupsi dan and anti-bribery practices and culture within the
anti penyuapan dalam lingkungan Perseroan dengan Company by instilling the Company’s core values and
menanamkan nilai-nilai dasar (core values) perusahaan di establishing several regulations and/or policies related
Perseroan dan menetapkan beberapa peraturan dan/atau to corruption prevention, such as Company Regulations,
kebijakan yang terkait dengan pencegahan korupsi, seperti Anti-Fraud Strategy Implementation Guidelines and the
Peraturan Perusahaan, Pedoman Penerapan Strategi Anti Company’s Code of Ethics and Code of Conduct.
Fraud, Kode Etik dan Pedoman Tingkah Laku Perseroan.
Pada Kode Etik dan Pedoman Tingkah Laku Perseroan In the Company’s Code of Ethics and Code of Conduct,
terdapat ketentuan terkait pencegahan korupsi dan there are provisions related to preventing corruption
gratifikasi antara lain meliputi: and gratification, including:
1. Ketentuan mengenai anti gratifikasi yang 1. Provisions regarding anti-gratification stipulated
termuat pada Kode Etik dan Pedoman Tingkah in the Code of Ethics and the Company’s Code
Laku Perseroan. Ketentuan anti gratifikasi ini of Conduct. This anti-gratification provision is
dimaksudkan untuk memberikan pedoman perilaku intended to provide reasonable, appropriate and
yang wajar, patut dan dapat dipercaya bagi seluruh trustworthy behavior guidelines for all levels of the
jajaran Perseroan dalam melakukan hubungan Company in dealing with customers, partners and
dengan para nasabah, rekanan dan sesama pekerja. fellow workers. The anti-gratification provisions
Ketentuan anti gratifikasi tersebut antara lain include among others:
meliputi:
a. Larangan seluruh personil Perseroan a. Prohibiting all Company personnel from giving
memberikan hadiah termasuk berupa hiburan gifts, including in the form of entertainment,
yang patut diduga oleh pihak lain sebagai which is reasonably suspected by other parties
indikasi penyuapan atau gratifikasi. as an indication of bribery or gratification.
b. Larangan seluruh personil Perseroan menerima b. Prohibiting all Company personnel from
suatu pemberian atau hadiah yang diketahui accepting a gift that is known or reasonably
atau patut diduga bahwa pemberian itu suspected that the gift may influence decision-
dapat mempengaruhi pengambilan keputusan making regarding the Company’s activities,
terkait kegiatan Perseroan, wewenang jabatan the authority of the position they hold or in a
yang diembannya atau dalam suatu keadaan situation where it appears to other parties that
dimana kemudian nampak pada pihak lain the business considerations made have been
bahwa pertimbangan bisnis yang dibuat telah compromised.
dikompromikan.
c. Tidak memperkenankan seluruh personil c. Prohibiting all Company personnel to offer
Perseroan menawarkan untuk memberikan gifts, entertainment, or other forms of gifts,
bingkisan, hiburan, hadiah atau bentuk either directly or indirectly to other parties to:
pemberian lainnya baik langsung maupun tidak
langsung kepada pihak lain untuk:
• Mempengaruhi pengambilan keputusan • Influence decision making related to the
terkait kegiatan usaha Perseroan dengan Company’s business activities by violating
melanggar ketentuan perundang-undangan the provisions of the applicable laws and
yang berlaku; regulations;
• Mempengaruhi atau menimbulkan potensi • Influence or create a potential conflict of
benturan kepentingan. interest.

.05 .06 .07
2. Ketentuan mengenai anti korupsi yang termuat 2. Provisions regarding anti-corruption contained
pada Kode Etik dan Pedoman Tingkah Laku in the Code of Ethics and the Company’s Code of
Perseroan. Ketentuan anti korupsi tersebut antara Conduct. The anti corruption provisions include:
lain meliputi:
a. Larangan seluruh personil Perseroan a. Prohibiting all Company personnel from using
memanfaatkan jabatannya di Perseroan untuk their positions in the Company for personal,
kepentingan pribadi, keluarga dan/atau pihak family and/or other parties’ interests that may
lain yang dapat merugikan atau mengurangi harm or reduce the Company’s profits.
b. Kewajiban seluruh personil Perseroan harus b. The obligations of all Company personnel must
tunduk dan patuh pada aturan hukum, moral be subject to and comply with the rules of
dan etika serta seluruh kebijakan dan prosedur law, morals and ethics as well as all applicable
Perseroan yang berlaku. Company policies and procedures.
c. Larangan seluruh personil Perseroan c. Prohibiting all Company personnel from
menyalahgunakan nama Perseroan, fasilitas abusing the Company’s name, facilities and
dan hubungan bisnis Perseroan untuk business relations of the Company for personal
kepentingan pribadi atau untuk hal-hal lain di interests or for other matters outside of work.
luar pekerjaan.
Perseroan senantiasa berupaya untuk meningkatkan The Company always strives to increase awareness and
kesadaran dan peran serta seluruh personil Perseroan participation of all Company personnel to participate in
untuk turut serta dalam mencegah, menghindari preventing and avoiding corruption and gratification
praktik korupsi dan gratifikasi dengan: practices by:
a. Menegakkan komitmen dari seluruh personil a. Upholding the commitment of all Company
Perseroan untuk patuh pada Kode Etik dan personnel to comply with the Company’s Code
Pedoman Tingkah Laku Perseroan, ketentuan of Ethics and Code of Conduct, applicable legal
hukum yang berlaku, serta seluruh kebijakan provisions, as well as all of the Company’s internal
internal Perseroan dengan menandatangani surat policies by signing a personal commitment letter
pernyataan komitmen pribadi atas Kode Etik dan to the Code of Ethics and Code of Conduct right
Pedoman Tingkah Laku pada saat baru bergabung after joining the Company and in every year. The
di Perseroan dan pada setiap tahunnya komitmen personal commitment to the Code of Ethics and
pribadi atas Kode Etik dan Pedoman Tingkah Code of Conduct is restated by the Company’s
Laku tersebut dinyatakan kembali oleh karyawan employees through the Company’s internal system.
Perseroan melalui sistem internal Perseroan.
b. Menyelenggarakan training anti fraud, training b. Organizing anti-fraud training, training on the
penerapan program Anti Pencucian Uang dan implementation of the Anti-Money Laundering
Pencegahan Pendanaan Terorisme (APU PPT), serta and Prevention of Terrorism Financing (AML CFT)
training mengenai nilai-nilai dasar (core values) program, as well as training on the Company’s core
Perusahaan. values.
c. Menyediakan saluran whistleblowing system c. Providing the Company’s whistleblowing system
Perseroan sebagai fasilitas penyampaian laporan channel as a facility for submitting reports of
pelanggaran, ketidakpatuhan atau penyimpangan violations, non-compliance or irregularities in the
di perusahaan. company.

.01 .02 .03 .04
Pelatihan personil Perseroan selama tahun 2021 terkait The following is the Company's personnel training in
dengan nilai-nilai perusahaan, APU PPT dan anti fraud 2021 that is related to corporate values, AML CFT and
ditinjau dari level jabatan adalah sebagai berikut: anti-fraud in terms of position level:
Uraian Manajerial Staf

Supervisor/Head
Description Managerial Staff
Development Program*) 227 233 -

Kepatuhan**)
360 349 1
Compliance
WOM on Boarding***) 24 152 4.419
Jumlah 611 734 4.420
Total
*) Pada pelatihan ini memuat materi pelatihan mengenai nilai-nilai perusahaan, APU PPT dan anti fraud.
**) Pelatihan APU PPT.
***)Pelatihan yang diberikan khusus pada karyawan baru Perseroan yang mencakup materi pelatihan mengenai nilai-nilai perusahaan, APU PPT dan anti fraud.
*) This training contains training materials on corporate values, AML CFT and anti-fraud.
**) AML CFT training.
***) Special training given to new employees of the Company which includes training materials on corporate values, AML CFT and anti-fraud.

.05 .06 .07
Penilaian Penerapan Tata Kelola

Perusahaan Terbuka
GCG Implementation Assessments
Perseroan meyakini bahwa implementasi GCG The Company believes that the GCG implementation
sangat berpengaruh terhadap kinerja dan performa is very influential on the company’s performance.
perusahaan. Sebab itu, Perseroan melakukan asesmen Therefore, the Company conducts periodic assessments
atau penilaian penerapan GCG secara berkala. Selain of the GCG implementation. In addition to obtaining
mendapatkan informasi konkret tentang penerapan accurate information about the implementation in
di lapangan selama periode laporan yang dinilai, the field during the assessed reporting period, the
rekomendasi asesmen bisa menjadi sarana untuk assessment recommendations can be a means to
memperbaiki dan meningkatkan implementasi GCG improve the GCG implementation that still need to be
yang dinilai masih perlu disempurnakan. refined.
Untuk memastikan Perseroan telah menerapkan To ensure that the Company has implemented GCG
prinsip-prinsip dan praktik GCG, Perseroan melakukan principles and practices, the Company conducts periodic
pengukuran penilaian kualitas penerapan GCG secara assessments on the quality of GCG implementation, in
berkala, yang dilakukan secara internal dan/atau oleh internal and/or by external parties, as follows:
pihak eksternal, yaitu sebagai berikut:
1. PENILAIAN INTERNAL 1. INTERNAL ASSESSMENT
Perseroan melakukan penilaian internal penerapan The Company conducts an internal assessment of GCG
GCG untuk setiap tahun buku dengan menggunakan implementation for each fiscal year using the self-
metode kertas kerja penilaian sendiri (self assessment). assessment worksheet method. The self-assessment is
Pelaksanaan penilaian sendiri (self assessment) tersebut carried out based on:
dilakukan berdasarkan:
1. POJK Nomor 28/POJK.05/2020; 1. POJK Number 28/POJK.05/2020;
2. POJK Nomor 30/POJK.05/2014 dan perubahannya 2. POJK Number 30/POJK.05/2014 and its amendments
sebagaimana diatur pada POJK Nomor as regulated in POJK Number 29/POJK.05/2020;
29/ POJK.05/2020;
3. SEOJK Nomor 11/SEOJK.05/2020. 3. SEOJK Number 11/SEOJK.05/2020.
Penilaian GCG yang dilaksanakan merupakan The GCG assessment carried out is check and balance
mekanisme check and balance bagi manajemen untuk mechanism for management to measure the strengths
mengukur kekuatan dan kelemahan implementasi GCG and weaknesses of the ongoing GCG implementation in
yang sedang berjalan di Perseroan. Hal ini diperlukan the Company. This is necessary in an effort to improve
dalam upaya memperbaiki dan meningkatkan kualitas the quality of GCG implementation in various aspects
implementasi GCG pada berbagai aspek yang diukur. that are measured.
PROSEDUR PENILAIAN ASSESSMENT PROCEDURE
Berdasarkan ketentuan Otoritas Jasa Keuangan, Perseroan Based on the provisions of the Financial Services
harus melakukan penilaian sendiri (self assessment) Authority, the Company must conduct a self-assessment
terhadap 3 (tiga) aspek tata kelola (Governance), yaitu: of 3 (three) aspects of governance, namely:
a. Struktur Tata Kelola (Governance Structure) a. Governance Structure
Penilaian struktur tata kelola bertujuan untuk The assessment of the governance structure aims to
menilai kecukupan struktur dan infrastruktur GCG assess the adequacy of the structure and infrastructure
agar proses penerapan prinsip GCG menghasilkan of good corporate governance so that the process of
outcome yang sesuai dengan harapan para applying the principles of good corporate governance
pemangku kepentingan perusahaan. produces outcomes that are in line with the
expectations of the company’s stakeholders.

.01 .02 .03 .04
b. Proses Tata Kelola (Governance Process) b. Governance Process

Penilaian proses tata kelola bertujuan untuk The assessment of the governance process
menilai efektivitas proses penerapan prinsip GCG aims to assess the effectiveness of the process
yang didukung oleh kecukupan struktur dan of implementing good governance principles
infrastruktur GCG sehingga menghasilkan outcome supported by the adequacy of the structure and
yang sesuai dengan harapan para pemangku infrastructure of good corporate governance so
kepentingan. as to produce outcomes that are in line with the
expectations of stakeholders.
c. Hasil Tata Kelola (Governance Outcome) c. Governance Outcome

Penilaian hasil tata kelola bertujuan untuk menilai The assessment of governance results aims to assess
kualitas outcome yang memenuhi harapan the quality of outcomes that meet the expectations
pemangku kepentingan perusahaan sebagai hasil of the Company’s stakeholders as a result of the
proses penerapan prinsip GCG dengan didukung process of implementing the principles of good
oleh kecukupan struktur dan infrastruktur GCG. corporate governance supported by the adequacy
of the structure and infrastructure of good
corporate governance.
KRITERIA PENILAIAN ASSESSMENT CRITERIA
Kriteria yang digunakan dalam penilaian The Company makes uses of the criteria to do
adalah sebagaimana diatur dalam SEOJK Nomor the assessment as regulated in SEOJK Number 11/
11/ SEOJK.05/2020. Dalam rangka penerapan 5 (lima) SEOJK.05/2020. In implementing the 5 (five) principles
prinsip GCG, Perseroan harus melakukan penilaian of GCG, the Company must conduct a self-assessment
sendiri (self assessment) yang paling sedikit meliputi 12 which includes at least 12 (twelve) factors for assessing
(dua belas) faktor penilaian penerapan GCG yaitu: the implementation of GCG, namely:
1. Pelaksanaan tugas dan tanggung jawab Direksi. 1. Implementation of the duties and responsibilities
of the Board of Directors;
2. Pelaksanaan tugas dan tanggung jawab Dewan 2. Implementation of the duties and responsibilities
Komisaris. of the Board of Commissioners;
3. Pelaksanaan tugas dan tanggung jawab Dewan 3. Implementation of the duties and responsibilities
Pengawas Syariah (DPS). of the Sharia Supervisory Board;
4. Pelaksanaan tugas dan tanggung jawab pemegang 4. Implementation of the duties and responsibilities
saham atau yang setara. of shareholders or the equivalent.
5. Kelengkapan dan pelaksanaan tugas komite. 5. Completeness and implementation of committee duties;
6. Penanganan Benturan Kepentingan. 6. Handling conflicts of interest;
7. Penerapan fungsi kepatuhan Perusahaan. 7. Implementation of compliance function;
8. Penerapan fungsi audit internal. 8. Implementation of the internal audit function;

.05 .06 .07
9. Penerapan fungsi audit eksternal. 9. Implementation of the external audit function;

10. Penerapan manajemen risiko termasuk sistem 10. Implementation of risk management including
pengendalian internal. internal control system;
11. Transparansi kondisi keuangan dan nonkeuangan, 11. Transparency of the Company’s financial and
laporan pelaksanaan tata kelola perusahaan yang nonfinancial conditions, GCG implementation
baik dan pelaporan internal. reports, and internal reporting; and
12. Rencana strategis Perusahaan. 12. Company’s strategic plan.
PIHAK YANG MELAKUKAN PENILAIAN THE PARTY CONDUCTING THE ASSESSMENT
Perseroan melakukan penilaian sendiri (self assessment) The Company conducts a self-assessment on the GCG
atas penerapan GCG dengan melibatkan anggota implementation by involving members of the Board of
Dewan Komisaris, Direksi, Komite Audit, Internal Audit Commissioners, Board of Directors, Audit Committee,
Division, serta fungsi atau unit kerja lainnya yang Internal Audit Division and other related functions or
terkait di Perseroan untuk menghasilkan penilaian work units in the Company to produce a comprehensive
yang komprehensif dan terstruktur atas efektivitas and structured assessment of the effectiveness of the
penerapan tata kelola Perseroan. corporate governance implementation.
HASIL PENILAIAN ASSESSMENT RESULT
Perseroan menggunakan 3 (tiga) aspek tata kelola The Company uses these 3 (three) governance aspects
(Governance) tersebut sebagai dasar penilaian as the basis for assessing the GCG implementation. The
penerapan GCG. Hasil penilaian sendiri penerapan Company obtained rank 2 (two) in the results of the
GCG pada tahun 2021 adalah pada peringkat 2 (dua), self-assessment of GCG implementation in 2021, with
dengan rincian sebagai berikut: details as follows:
Peringkat Definisi Peringkat

Rating Definition of Rating
Mencerminkan manajemen perusahaan telah melakukan penerapan GCG yang secara umum
baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip GCG. Dalam hal terdapat
kelemahan dalam penerapan prinsip GCG maka secara umum kelemahan tersebut kurang
Individual signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen perusahaan.
2
Individual Reflects that the company’s management has implemented GCG which is generally good. This is
reflected through adequate fulfillment of the good corporate governance principles. Any weakness in the
application of GCG principles shall in general less significant and can be resolved by normal actions by
the company management.

.01 .02 .03 .04
2. PENILAIAN PELAKSANAAN PENERAPAN GCG OLEH 2. GCG IMPLEMENTATION ASSESSMENT BY EXTERNAL

EKSTERNAL PARTIES
Perseroan mengikuti penilaian penerapan GCG dalam The Company participates in the assessment of the
rangka keikutsertaannya dalam kegiatan apresiasi/ GCG implementation through its participation in
award sebagai berikut: appreciation/award activities as follows:
a. TOP GRC Awards 2021 (Governance, Risk, dan a. TOP GRC Awards 2021 (Governance, Risk, and
Compliance) Compliance)
- Pihak Penyelenggara - Organizer
Kegiatan ini diselenggarakan oleh Asosiasi This activity was organized by the Indonesian
GRC Indonesia, IRMAPA (Indonesia Risk GRC Association, IRMAPA (Indonesian Risk
Management Professional Association), ICoPI Management Professional Association), ICoPI
(Institute Compliance Professional Indonesia) (Institute Compliance Professional Indonesia)
dan PaGi (Perkumpulan Profesional Governansi and PaGi (Indonesian Government Professional
Indonesia). Association).
- Pihak yang Melakukan Penilaian - Assessor
Tim Penilai dan Dewan Juri TOP GRC Awards Top GRC Awards 2021 Judges and Jury Team.
2021.
- Kriteria Penilaian - Assessment Criteria
Aspek penilaian meliputi antara lain sistem, The assessment aspects include, among others,
infrastruktur, implementasi GCG, manajemen systems, infrastructure, GCG implementation,
risiko dan manajemen kepatuhan di Perseroan. risk management and compliance management
in the Company.
- Hasil Penilaian - Rating Result
Perseroan berhasil meraih penghargaan TOP The Company won the TOP GRC 2021 #4 Stars
GRC 2021 #4 Stars dengan rincian sebagai award with the following details:
berikut:
Kategori : All Company Category : All Company
Sektor : Multifinance Sector : Multifinance
Nilai : 8.50 (dari total nilai 10) Score : 8.50 (out of a total score of 10)
Tingkat : Very Good Level : Very Good
Penilaian : Evaluation :
Sistem, infrastruktur, implementasi GCG, The system, infrastructure, GCG implementation,
manajemen risiko dan manajemen kepatuhan risk management and compliance management
di Perseroan, berada di tingkat yang sangat in the Company are at a very good level. Thus,
baik, sehingga dapat mendukung peningkatan they can support the continuous improvement
kinerja bisnis perusahaan yang berkelanjutan. of the company’s business performance.

.05 .06 .07
b. GCG Zoominars & Indonesia GCG Award VI 2021 b. GCG Zoominars & Indonesia GCG Award VI 2021
(IGCGA-VI-2021) (IGCGA-VI-2021)
- Pihak Penyelenggara - Organizer
Economic Review bersama dengan Indonesia – Economic Review together with Indonesia –
Asia Institute, PPPI dan Ideku Group. Asia Institute, PPPI and Ideku Group.
- Pihak yang Melakukan Penilaian - Assessor
Tim Penilai dan Dewan Juri GCG Zoominars dan Zoominars & Indonesia GCG Award VI 2021 GCG
Indonesia GCG Award VI 2021. Assessment Team and Jury.
- Kriteria Penilaian - Assessment Criteria
Penerapan prinsip-prinsip GCG. Implementation of GCG principles.
- Hasil Penilaian - Rating Result
Perseroan berhasil meraih penghargaan 2nd The Company won the 2nd The Best - Indonesia
The Best - Indonesia GCG Award - VI - 2021 GCG Award - VI - 2021 with the following
dengan rincian sebagai berikut: details:
Kategori : Public Company – Asset : Rp5T-10T Category : Public Company – Asset : Rp5T-10T
Nilai : 81.70 (dari total nilai 100) Score : 81.70 (out of a total score of 100)
Tingkat : Good Level : Good
Penilaian : Evaluation :
Perseroan dengan mengimplementasikan tata By implementing good governance, the
kelola yang baik, dapat mendorong fokus Company can encourage focus for the Company’s
untuk keberhasilan Perseroan dalam mencapai success in achieving business. The established
bisnis. Prinsip-prinsip GCG yang ditetapkan GCG principles start from transparency,
mulai dari transparansi, akuntabilitas, accountability, responsibility (compliance),
pertanggungjawaban (kepatuhan), kemandirian independence & fairness. Moreover, the
& kesetaraan dan mensosialisasikan seluruh Company socializes all GCG principles for the
prinsip GCG untuk peningkatan pada setiap improvement of the Company’s personnel.
insan Perseroan.

.06

.01 .02 .03 .04
Roadmap Menuju Keberlanjutan

Roadmap Towards Sustainability
Sebagai salah satu lembaga pembiayaan terkemuka As one of the leading financial institutions with
dengan konsumen tersebar di berbagai wilayah, customers spread across various regions, the Company
Perseroan sangat memahami eratnya hubungan antara truly understands the close relationship between
tingkat kesejahteraan dengan kelestarian lingkungan. welfare levels and environmental sustainability and
Perseroan juga sangat memahami eratnya hubungan social problems. Thus, the Company fully supports the
antara tingkat kesejahteraan dengan masalah- Government’s effort to fulfill its commitment to achieve
masalah sosial. Oleh karena itu, Perseroan mendukung various sustainability goals as stated in COP 21 in Paris.
penuh upaya Pemerintah Indonesia untuk memenuhi The Company demonstrated its commitment by starting
komitmennya dalam mencapai berbagai tujuan to develop a Sustainable Finance Action Plan (RAKB)
keberlanjutan sebagaimana telah dinyatakan dalam and increasing the implementation of environmentally
COP 21 di Paris. Perseroan menunjukkan komitmen friendly operational activities which became a road
dengan mulai menyusun Rencana Aksi Keuangan map for the Company to work together with other
Berkelanjutan (RAKB) dan meningkatkan implementasi citizens of the world in supporting the achievement of
kegiatan operasional ramah lingkungan yang menjadi various sustainability goals in the SDGs.
peta jalan bagi Perseroan untuk bersama-sama warga
dunia lainnya dalam mendukung pencapaian berbagai
tujuan keberlanjutan dalam SDGs.

.05 .06 .07
Ikhtisar Kinerja Keberlanjutan

Sustainability Performance Highlights
Deskripsi Satuan 2021 2020 2019

Description Unit
Aspek Ekonomi [OJK B.1]
Economic Aspect [OJK B.1]
Kuantitas Produk/Jasa Jenis Produk/Jasa 11 10 4
Product/Service Quantity Product/Service Type
Total Pendapatan Dalam Juta Rupiah 1.570.983 2.000.850 2.643.687
Total Revenues In Rp Million
Laba Bersih Tahun Berjalan Dalam Juta Rupiah 110.610 57.378 259.671
Net Income for the Year In Rp Million
Jumlah Produk Ramah Lingkungan Unit Produk - - -
Total Eco-Friendly Products Product Unit
Jumlah
Pelibatan Pihak Lokal yang Berkaitan 114 62 143
Total
Dengan Proses Bisnis Keuangan
Berkelanjutan Nilai kontrak (Dalam
Involvement of Local Parties Related to the Juta Rupiah)
Sustainable Finance Business Process 4.499 857 5.299
Contract Value (In Rp
Million)
Aspek Lingkungan [OJK B.2]
Environmental Aspect [OJK B.2]
Penggunaan BBM Kiloliter 6,36 7,45 12,82
Fuel Usage GigaJoules 256 299 515
Penggunaan Listrik kWh 334.784 475.089 426.902

Electricity Usage
GigaJoules 1.205 1.710 1.537
Penggunaan Air
a. Air PDAM Meter kubik 2.982 2.636 3.451
Water Usage Cubic meter
a. PDAM water
Biaya Lingkungan Dalam Juta Rupiah 375,57 10,71 523,83

Environmental Cost In Rp Million
Aspek Sosial [OJK B.3]
Social Aspect [OJK B.3]
Jumlah Karyawan Tetap Orang 2.269 2.226 2.665
Total Permanent Employees People
Jumlah Karyawan Kontrak Orang 5 369 561
Total Contract Employees People
Jumlah Karyawan Probation Orang 142 4 2
Total Employees in Probation People
Jumlah Karyawan Pria Orang 1.770 1.907 2.298
Total Male Employees People
Jumlah Karyawan Wanita Orang 646 692 930
Total Female Employees People
Rata-rata Jam Pelatihan
Karyawan Wanita Jam/Tahun/Karyawan
11,43 10,03 13,08
Average Hours of Training for Hours/Year/Employee
Female Employees
Rata-rata Jam Pelatihan Karyawan Pria
Jam/Tahun/Karyawan
Average Hours of Training for Male 7,35 11,19 13,53
Hours/Year/Employee
Employees
Penyaluran Dana CSR Dalam Juta Rupiah 3,13 2,43* 2,93
Distribution of CSR Funds In Rp Million
*) Biaya penyaluran dana CSR bagi masyarakat tahun 2020 merupakan realisasi biaya baik yang terlaksana maupun tidak terlaksana
*) The cost of CSR funds distribution to the community in 2020 included the realization costs of both implemented and not implemented activities

.01 .02 .03 .04
Laporan Direksi [GRI 102-14] [OJK D.1]

Description of Board Of Directors [GRI 102-14] [OJK D.1]

Presiden Direktur
President Director

.05 .06 .07
Pemegang saham dan pemangku kepentingan Dear esteemed shareholders and stakeholders,
yang terhormat,
Segala puji dan syukur kami panjatkan ke hadirat Tuhan All praise are given to God Almighty. Due to His will,
yang Maha Esa karena atas kehendak-Nya, Perseroan the Company can go through the challenge in 2021.
bisa melalui tahun 2021 yang penuh tantangan The prolonged Covid-19 pandemic has been the biggest
dengan baik. Tantangan terberat selama tahun challenge in this reporting year and no one knows
pelaporan adalah terjadinya pandemi Covid-19 yang when pandemic ends. Like any other corporations,
berkepanjangan, bahkan belum bisa diketahui kapan due to the pandemic the Company have to make some
pandemi berakhir. Sebagaimana korporasi yang lain, adjustment to manage to achieve the set target.
adanya pandemi membuat Perseroan harus melakukan
sejumlah penyesuaian agar target-target yang telah
ditetapkan tetap bisa dicapai.
Untuk menangani pandemi, pemerintah telah To deal with the pandemic, the government has issued
mengeluarkan berbagai kebijakan antara lain some policies inlcuding multi-tiered public activity
Pemberlakuan Pembatasan Kegiatan Masyarakat restrictions (PPKM) level 0 until 4 in which adjusted
(PPKM) dari level 0 sampai 4 yang levelnya disesuaikan to real condition in certain area and free vaccination
dengan kondisi di lapangan, serta vaksinasi massal rollout both for first and second dose.
tanpa biaya, baik untuk dosis pertama maupun kedua.
Untuk mewujudkan kinerja keberlanjutan, Perseroan

menetapkan berbagai kebijakan strategis seperti sentralisasi
kredit dan proses operasional, mengembangkan digitalisasi
serta memperluas jaringan kerja sama dengan pihak ketiga
To realize sustainability performance, the Company has established various

strategic policies such as centralizing credit and operational processes, developing
digitalization and expanding the network of cooperation with third parties
Dengan dukungan dari berbagai pemangku Through endless support from stakeholders, the
kepentingan yang lain, upaya pemerintah tersebut government has brought an impressive result.
membawa hasil yang menggembirakan. Laju Throughout 2021, the rate of corona virus spread was
penyebaran Covid-19 selama tahun 2021 bisa in control despite the emergence of Delta variant with
dikendalikan, meski sempat terkendala dengan rapid spread and more vicious and deadly infection
munculnya varian Delta yang penyebarannya sangat than other variants.
cepat, lebih ganas dan lebih mematikan dibanding
varian lain.

.01 .02 .03 .04
Pencapaian dalam penanganan pandemi yang diikuti This pandemic-related achievement along with gradual
dengan pelonggaran secara bertahap terhadap easing of community activities have a positive impact
kegiatan masyarakat berdampak positif dengan on domestic economic recovery. Various economic
bertumbuhnya perekonomian di Tanah Air. Berbagai indicators, such as population mobility, returned to make
indikator ekonomi, seperti mobilitas penduduk a positive growth and the manufacturing Purchasing
kembali tumbuh positif dan Purchasing Managers Index Managers Index (PMI) again reached an expansionary
(PMI) manufaktur pun kembali ke level ekspansif. level. Based on these factors, the government of
Berdasarkan faktor-faktor tersebut, maka pemerintah Indonesia has a confidence that Indonesia’s economic
Indonesia optimistis pertumbuhan ekonomi Indonesia growth in 2021 could be in the range of 3.7-4.5%.
tahun 2021 masih bisa berada di kisaran 3,7-4,5%.
Sesuai dengan data terbaru yang dirilis BPS pada According to the latest data released by Statistics
7 Februari 2022, optimisme pemerintah tersebut Indonesia on February 7, 2022, this confidence is
terwujud karena pertumbuhan ekonomi Indonesia reflected from Indonesia’s economic growth in 2021
tahun 2021 tercatat sebesar 3,69%, lebih tinggi 3.69%. It is higher that the achievement in 2020 with
dibanding pencapaian tahun 2020 yang mengalami the growth contraction of 2.07%. Economic growth in
kontraksi pertumbuhan sebesar 2,07%. Pertumbuhan 2021 was driven by the growth of 16 of the 17 business
ekonomi tahun 2021 ditopang oleh tumbuhnya 16 sectors used by the institution in compiling national
dari 17 lapangan usaha yang digunakan lembaga economic growth. Financial services becomes one
tersebut dalam menyusun pertumbuhan ekonomi of the growing business sectors, including financial
nasional. Salah satu lapangan usaha yang bertumbuh institutions. As a company engaged in financial services,
adalah jasa keuangan, termasuk di dalamnya lembaga the Company also delivered a positive performance in
pembiayaan. Sebagai bagian dari lapangan usaha jasa 2021. We would like to elaborate this achievement
keuangan, Perseroan turut mencatatkan kinerja positif through this Sustainability Report.
pada tahun 2021. Melalui Laporan Keberlanjutan
inilah, pencapaian tersebut kami sampaikan.
PERSEROAN DAN PEMBANGUNAN BERKELANJUTAN COMPANY AND SUSTAINABLE DEVELOPMENT
Laporan Keberlanjutan merupakan laporan kepada Sustainability Report is a report to the public on
masyarakat tentang kinerja keberlanjutan yang sustainability performance consisting of economic,
terdiri dari tiga aspek yaitu ekonomi, lingkungan environmental and social aspects. For the Company,
hidup dan sosial. Bagi Perseroan, penerbitan Laporan the issuance of the Sustainability Report enacts its
Keberlanjutan merupakan bentuk akuntabilitas accountability and transparency on the operational
dan transparansi atas dampak operasional terhadap impact on economy, environment and social. For
ekonomi, lingkungan hidup dan sosial. Dalam sustainable development, Sustainability Report
konteks pembangunan berkelanjutan (sustainable is a medium that provides information regarding
development), Laporan Keberlanjutan merupakan the Company’s contribution to the achievement of
media yang menyajikan informasi terkait kontribusi Sustainable Development Goals that the government
Perseroan terhadap pencapaian Tujuan Pembangunan currently implements.
Berkelanjutan/TPB (Sustainable Development Goals/
SDGs) yang saat ini sedang diwujudkan oleh pemerintah.
Dalam laporan ini, berkelanjutan bermakna Perseroan In this report, the Company interprets sustainability as
menjalankan usaha dengan mengedepankan keselarasan running a business by prioritizing harmony between
antara aspek ekonomi, sosial dan lingkungan hidup. economic, social and environmental aspects. The

.05 .06 .07
Perseroan memegang prinsip usaha berkelanjutan Company applies this sustainability principle since
karena meyakini bahwa keselarasan ketiga aspek those aspects are the key to fulfill the needs today
tersebut merupakan kunci untuk memenuhi kebutuhan and tomorrow.
masa kini, sekaligus menjamin pemenuhan kebutuhan
generasi mendatang.
Pentingnya kehadiran dan dukungan lembaga jasa The importance of support of financial service
keuangan terhadap pembangunan berkelanjutan, institutions for sustainable development, particularly
khususnya berkaitan dengan lingkungan, sudah with regard to the environment, has been stated in
disampaikan dalam Undang-Undang Nomor 32 Tahun Law Number 32 of 2009 concerning Environmental
2009 tentang Perlindungan dan Pengelolaan Lingkungan Protection and Management. In Article 43 paragraph
Hidup. Pada Pasal 43 ayat 3 huruf c Undang-Undang ini 3 letter c this law mentions The Development of an
menyebutkan tentang Pengembangan Sistem Lembaga Environmentally Friendly Financial Institution and
Keuangan dan Pasar Modal yang Ramah Lingkungan Capital Market System. Further explanation about
Hidup. Spirit undang-undang ini ditindaklanjuti dengan this law is presented through the issuance Sustainable
terbitnya Roadmap Keuangan Berkelanjutan 2015-2019, Finance Roadmap 2015-2019, along with Sustainable
dilanjutkan dengan Roadmap Keuangan Berkelanjutan Finance Roadmap Phase II (2021-2025) by the Financial
Tahap II (2021-2025), oleh Otoritas Jasa Keuangan. Seiring Services Authority and the Financial Services Authority
dengan itu, kemudian terbit Peraturan Otoritas Jasa Regulation Number 51/POJK.03/2017 concerning the
Keuangan Nomor 51/POJK.03/2017 tentang Penerapan Implementation of Sustainable Finance for Financial
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Service Institutions, Issuers and Public Companies or
Emiten dan Perusahaan Publik atau POJK Keuangan POJK on Sustainable Finance.
Berkelanjutan.
Sebagai lembaga pembiayaan, Perseroan wajib As a financing institution, the Company is required to
menerapkan POJK Keuangan Berkelanjutan per implement POJK on Sustainable Finance as of January
1 Januari 2020. Dalam implementasinya, selain 1, 2020. In its implementation, in addition to aligning
menyelaraskan kegiatan utama agar sejalan dengan its main activities with sustainability principles and
prinsip keberlanjutan serta menyusun Rencana preparing the Sustainable Finance Action Plan (RAKB),
Aksi Keuangan Berkelanjutan (RAKB), dukungan sustainable finance is also manifested through financing
terhadap keuangan berkelanjutan juga diwujudkan of the Corporate Social Responsibility program.
melalui pembiayaan program Tanggung Jawab Sosial Therefore, in this report, we also include a correlation
Perusahaaan (Corporate Social Responsibility/CSR). Oleh between CSR programs and the SDGs.
karena itu, dalam laporan ini, kami juga menyertakan
tautan antara program CSR dengan TPB/SDGs.
PERSEROAN DAN KINERJA KEBERLANJUTAN COMPANY AND SUSTAINABILITY PERFORMANCE
Kinerja keberlanjutan yaitu kinerja yang menyelaraskan Sustainability performance is a performance in balance
antara aspek ekonomi, lingkungan hidup dan sosial, with economic, environmental and social aspects. It is
tidak sekedar tren, tapi merupakan suatu keharusan not a trend, but becomes a must for every corporation
bagi setiap korporasi yang menginginkan kehidupan that strives to realize a better life, including the
yang lebih baik, termasuk Perseroan. Sebagaimana Company. We must quit greedy economy, in which
kegagalan greedy economy dimana aktivitas ekonomi only focuses on economic growth that leads to social
hanya fokus pada pertumbuhan ekonomi dan terbukti inequality and environmental damage. As a substitute,
menyebabkan kesenjangan sosial serta melemahnya green economy, in which economic activity must pay

.01 .02 .03 .04
daya dukung lingkungan, maka paradigma lama itu attention to the balance of the 3P (people, profit
harus ditinggalkan. Sebagai penggantinya, dukungan and planet) principles, becomes a new paradigm that
terhadap paradigma baru, yaitu green economy more people must support. Along with this support,
dimana kegiatan ekonomi harus memperhatikan this Sustainability Report contains the economic,
keseimbangan 3P (people, profit and planet) patut environmental and social performance of the Company’s
secara keras disuarakan. Seiring dengan dukungan operations along with the arising impacts according to
tersebut, maka Laporan Keberlanjutan ini berisi findings in the field.
tentang kinerja ekonomi, lingkungan dan sosial dari
operasional Perseroan beserta dampak yang timbul
sesuai temuan di lapangan.
Untuk mewujudkan kinerja keberlanjutan, Perseroan To make sustainability performance, the Company
telah menetapkan berbagai kebijakan strategis selama established various strategic policies during the
tahun pelaporan antara lain, menjalankan sentralisasi reporting year, such as implementing credit
kredit dan proses operasional, mengoptimalkan centralization and operational processes, optimizing
produktivitas dan efektivitas marketing dan penagihan, productivity and effectiveness of marketing and billing,
mengembangkan digitalisasi serta memperluas developing digitalization and expanding cooperation
jaringan kerja sama dengan pihak ketiga terkait networks with third parties regarding installment
pembayaran angsuran dari konsumen. Sejalan dengan payments from consumers. Further, the Company
itu, Perseroan menyelenggarakan berbagai kegiatan organized various community empowerment activities
pemberdayaan masyarakat sebagai implementasi as the implementation of Social and Environmental
Tanggung Jawab Sosial dan Lingkungan (TJSL) Responsibility (TJSL) through the Corporate Social
melalui program Corporate Social Responsibility (CSR). Responsibility (CSR) program. To strengthen the
Adapun upaya memperkuat daya dukung lingkungan, carrying capacity of the environment, the Company
Perseroan menerapkan operasional kantor yang ramah implemented environmentally friendly office
lingkungan sesuai dengan slogan S.E.E.N (Save Earth, operations in accordance with the S.E.E.N (Save Earth,
Environment and Nature). [OJK A.1] Environment and Nature) slogan. [OJK A.1]
Pencapaian selengkapnya atas implementasi berbagai The full achievement of the implementation of these
kebijakan strategis tersebut selama tahun pelaporan strategic policies during the reporting year is presented
disampaikan dalam uraian berikut: in the following description:
Kinerja Ekonomi Berkelanjutan Sustainable Economic Performance

Sejalan dengan membaiknya pertumbuhan ekonomi In line with the improvement in Indonesia’s economic
Indonesia, terkhusus lapangan usaha jasa keuangan, growth, particularly in financial services, the Company
Perseroan berhasil mencatatkan kinerja positif pada managed to record a positive performance in the
tahun pelaporan. Hal ini dibuktikan dengan pencatatan reporting year. This was reflected in the income for
laba tahun berjalan meningkat sebesar 92,77% menjadi the year, increased by 92.77% to Rp111 billion. The
sebesar Rp111 miliar. Perseroan berhasil membukukan Company managed to record a total equity of Rp1.33
total ekuitas sebesar Rp1,33 triliun atau meningkat trillion or an increase of 9.91% compared to the
9,91% dibandingkan tahun sebelumnya sebesar previous year of Rp1.21 trillion.
Rp1,21 triliun.

.05 .06 .07
Kinerja Lingkungan Environmental Performance

Selaras dengan komitmen untuk mendukung In line with the commitment to support sustainable
terwujudnya pembangunan berkelanjutan, Perseroan development, the Company always refers to various
senantiasa merujuk pada berbagai regulasi yang regulations governing the relationship between
mengatur hubungan antara lembaga jasa keuangan financial service institutions and the environment. In this
dengan lingkungan. Dalam hal ini, kepatuhan menjadi case, compliance is the basis for the implementation of
dasar pelaksanaan pelestarian dan pengelolaan environmental impact conservation and management
dampak lingkungan pada seluruh aktivitas, produk dan in all activities, products and services of the Company.
jasa Perseroan. Langkah nyata yang diambil Perseroan, The Company takes several real measures including by
antara lain, dengan menerapkan operasional kantor implementing eco-friendly office operations through
yang ramah lingkungan melalui pengelolaan material the optimal management of paper, electrical energy,
berupa kertas, pengelolaan energi listrik, bahan fuel oil and water. This is in line with the Company’s
bakar minyak dan air secara optimal. Hal itu selaras commitment to pay attention to environmental
dengan komitmen Perseroan untuk memperhatikan sustainability according to the S.E.E.N (Save Earth,
kelestarian lingkungan sesuai slogan S.E.E.N (Save Environment and Nature) slogan.
Earth, Environment and Nature).
Selain itu, sejak tahun 2020, Perseroan memulai In addition, since 2020, the Company has started the
program Green Lifestyle dengan melakukan kampanye Green Lifestyle program by conducting an eco-friendly
ramah lingkungan kepada seluruh karyawan, baik campaign to all employees at Head Office and Branches
Kantor Pusat maupun Cabang melalui digital poster. through digital posters. Meanwhile, to get the best
Sementara itu, untuk mendapatkan hasil yang results, eco-friendly office operations refers to the 3R
maksimal, operasional kantor yang ramah lingkungan principles, namely reduce, reuse and recycle.
senantiasa berpedoman pada prinsip 3R yaitu reduce,
reuse and recycle.
Komitmen dan kesungguhan seluruh insan Perseroan The commitment of all Company employees to support
untuk mendukung praktik operasional ramah eco-friendly operational practices brings positive results.
lingkungan membawa hasil positif. Perseroan berhasil The Company succeeded in reducing paper usage from
menurunkan penggunaan kertas dari 720 rim pada 720 reams in 2020 to 380 reams in the reporting year.
tahun 2020 menjadi 380 rim pada tahun pelaporan. It was in line with a decrease in electricity usage, from
Penurunan juga dicatatkan terkait penggunaan listrik, 475,089 kWh to 334,784 kWh in 2021. In terms of office
yaitu dari 475.089 kWh menjadi 334.784 kWh pada energy calculations, the Company got the Very Efficient
tahun 2021. Hasil perhitungan intensitas konsumsi category Referring to the Regulation of the Minister of
energi perkantoran, Perseroan berhasil meraih kategori Energy and Mineral Resources Number 13 of 2012.
Sangat Efisien merujuk Peraturan Menteri Energi dan
Sumber Daya Mineral Nomor 13 Tahun 2012.

.01 .02 .03 .04
Efisiensi juga berhasil diraih terkait volume penggunaan Efficiency also came from volume of fuel used, which
BBM, yaitu sebesar 6,36 kiloliter, turun dibandingkan was 6.36 kiloliters, a decrease compared to 2020 of 7.45
tahun 2020, yang mencapai 7,45 kiloliter. Penurunan kiloliters. A decline in the use of electrical energy and
penggunaan energi listrik dan BBM otomatis fuel automatically reduces greenhouse gas emissions as
menurunkan emisi gas rumah kaca sebagai penyumbang a contributor to global warming and climate change.
terjadinya pemanasan global dan perubahan iklim. However, the volume of water use in 2021 reached
Namun, volume penggunaan air pada tahun 2021 2,982 cubic meters, an increase compared to 2020
mencapai 2.982 meter kubik, naik dibandingkan tahun reaching 2,636 cubic meters. The increase occurred
2020, yang mencapai 2.636 meter kubik. Kenaikan because some employees worked from the office thus
terjadi karena beberapa karyawan sudah menerapkan the water saving campaign in the office was more
bekerja dari kantor sehingga kampanye penghematan intense than usual.
air di kantor lebih digencarkan dibandingkan biasanya.
Kinerja Sosial Social Performance

Keberhasilan Perseroan melalui tahun 2021 yang penuh The Company’s success through a challenging 2021
tantangan tidak lepas dari dukungan dan kerja sama is closely related to the support and cooperation of
berbagai pemangku kepentingan, baik internal maupun various internal and external stakeholders. Internal
eksternal. Pemangku kepentingan internal antara lain stakeholders include management and employees
manajemen dan karyawan lintas divisi diberagam level across divisions at various levels while external
jabatan sedangkan pemangku kepentingan eksternal stakeholders include partners, suppliers, regulators
antara lain mitra, pemasok, regulator dan pemerintah and the government including local governments,
termasuk pemerintah daerah, penerima manfaat beneficiaries of corporate social responsibility programs
program tanggung jawab sosial perusahaan serta and communities around the Company’s operational
masyarakat di sekitar lokasi operasional Perseroan. locations. Each stakeholder contributes in reaching the
Masing-masing pemangku kepentingan memberikan targets and performance of the Company during the
kontribusi dalam mewujudkan target dan kinerja reporting year.
Perseroan selama tahun pelaporan.
Untuk karyawan, selain memenuhi hak-hak normatif For employees, in addition to fulfilling the normative
sebagaimana diatur dalam dalam Undang-Undang rights as stipulated in the labor law, the Company is
Ketenagakerjaan, Perseroan berkomitmen untuk committed to increasing their capacity and capability
meningkatkan kapasitas dan kapabilitas mereka through various education and training. During 2021,
melalui berbagai pendidikan dan pelatihan. Selama the Company held 224 training batches attended by
tahun 2021, Perseroan telah menyelenggarakan 224 32,845 participants, a significant increase compared to
batch pelatihan yang dikuti oleh 32.845 peserta, naik 2020 when the Company held 107 batches attended by
signifikan dibandingkan tahun 2020 dimana Perseroan 4,070 participants.
menyelenggarakan 107 batch yang diikuti oleh
4.070 peserta.

.05 .06 .07
Sejalan dengan upaya menghadirkan karyawan dengan In line with efforts to present high-performing
kinerja tinggi, Perseroan mengimbanginya dengan employees, the Company compensates by providing
menghadirkan lingkungan kerja yang layak dan aman. a decent and safe work environment. Therefore, the
Dengan upaya itu, Perseroan menargetkan angka Company targets zero accidents. In line with that, for
kecelakaan kerja nihil atau zero accident. Sejalan the convenience of workers, the Company provides
dengan itu, untuk kenyamanan bagi pekerja, Perseroan various adequate facilities, such as parking lots, places
menyediakan berbagai fasilitas yang memadai seperti of worship, places to eat, breastfeeding rooms, toilets
tempat parkir, tempat ibadah, tempat makan, ruang and other facilities. The Company also provides various
menyusui, toilet dan lain-lain. Sejalan dengan itu, OHS equipment if an emergency situation occurred,
Perseroan juga menyediakan berbagai peralatan K3 such as light fire extinguishers, hydrants, emergency
apabila terjadi situasi darurat, seperti alat pemadam stairs, sprinklers, smoke detectors, alarm speakers,
api ringan, hydrant, tangga darurat, sprinkle, smoke evacuation instructions and other equipment. These
detector, alarm speaker, petunjuk evakuasi dan lain- efforts resulted in zero accident rate during the
lain. Berbagai upaya tersebut membawa hasil dengan reporting year.
tercapainya angka kecelakaan nihil (zero accident)
selama tahun pelaporan.
Sementara itu, untuk mengetahui respons terhadap kualitas Meanwhile, to find out the response to product
produk dan layanan, Perseroan telah melakukan Survei and service quality, the Company conducted a 2021
Kepuasan Konsumen Tahun 2021 dengan mencatatkan Consumer Satisfaction Survey by recording an increase in
kenaikan pada semua indikator, yaitu Tangible (Tampilan), all indicators, are Tangible, Reliability, Responsiveness,
Reliability (Kehandalan), Responsiveness (Tanggapan), Assurance and Empathy. As a result, the Consumer
Assurance (Jaminan) dan Empathy (Empati). Walhasil, skor Loyalty score increased from 39.24 to 48.77 in 2021.
Loyalitas Konsumen pun ikut naik dari semula 39,24 menjadi
48,77 pada tahun 2021.
Khusus untuk pemberdayaan masyarakat melalui The Company budgeted Rp2.10 billion specifically for
program Tanggung Jawab Sosial Perusahaan, community empowerment through the Corporate
Perseroan menganggarkan biaya sebesar Rp2,10 miliar Social Responsibility program and achieved Rp3.13
dan terealisasi sebesar Rp3,13 miliar atau 150% dari billion or 150% of the budget. The funds were used
anggaran. Dana tersebut digunakan untuk membiayai to finance various programs in education, social and
berbagai program di bidang pendidikan, sosial dan environment. Based on the Company’s monitoring and
lingkungan. Berdasarkan pengawasan dan evaluasi evaluation, CSR activities in 2021 supported 12 of the
yang diselenggarakan Perseroan, kegiatan CSR tahun 17 SDGs.
2021 telah mendukung 12 dari 17 TPB.

.01 .02 .03 .04
PELUANG DAN PROSPEK USAHA BUSINESS OPPORTUNITIES AND PROSPECTS
Keberhasilan pemerintah dalam menangani pandemi The government succeeded in handling Covid-19
Covid-19 pada tahun 2021 dan secara konsisten terus pandemic in 2021 and it consistently makes improvement
dilakukan kesinambungan dan penyempurnaan of the program, including giving vaccine booster for
program, antara lain pemberian vaksin booster free. Therefore, various stakeholders have a confidence
secara gratis, membuat berbagai kalangan optimis in Indonesia’s growth to continuously record positive
perekonomian Indonesia akan meneruskan tren positif trend in 2022. The International Monetary Fund, for
tahun 2022. Dana Moneter Internasional misalnya, instance, predicts that Indonesia will grow strongly by
memprediksi Indonesia akan bertumbuh kuat sebesar 5.6%. The World Bank predicts that the economy of
5,6 %. Adapun Bank Dunia meramal ekonomi Indonesia Indonesia in 2022 will grow 5.2%.
tahun 2022 akan tumbuh 5,2 %.
Bagi Perseroan, optimisme terhadap membaiknya The Company thinks that improving Indonesia’s
pertumbuhan ekonomi Indonesia tahun 2022 economic growth in 2022 becomes a very promising
merupakan peluang dan prospek yang sangat opportunity and prospect for business players in the
menjanjikan bagi pelaku usaha industri jasa keuangan, financial services industry, including motor vehicle
termasuk pembiayaan kendaraan bermotor. Perseroan financing. The Company believes that the financing
meyakini bisnis pembiayaan akan mengalami business will improve compared to the previous year
perbaikan dibanding tahun sebelumnya karena segmen because the lower-middle segment as the financing
penduduk menengah ke bawah sebagai pangsa pasar market share is expected to have an increase in income.
pembiayaan diperkirakan akan mengalami perbaikan A similar estimate has also been submitted by the
pendapatan. Perkiraan serupa telah pula disampaikan Indonesian Financing Companies Association (APPI).
Asosiasi Perusahaan Pembiayaan Indonesia (APPI).

.05 .06 .07
PENUTUP CLOSING
Perseroan menyadari bahwa keberhasilan melalui The Company realizes that its success in going through
tahun 2021 yang penuh tantangan dengan the challenging year 2021 with making positive
membukukan kinerja positif merupakan hasil performance is due to the collaboration and hard work
kerja keras dan kerja sama berbagai pihak, seperti of many parties, such as supervision and direction from
pengawasan dan arahan Dewan Komisaris dan Dewan the Board of Commissioners and Sharia Supervisory
Pengawas Syariah, dukungan para pemegang saham, Board, support from shareholders, partners, suppliers,
mitra, pemasok, regulator/pemerintah dan pemangku regulators/government and other stakeholders.
kepentingan lainnya. Untuk itu, mewakili Direksi, Therefore, on behalf of the Board of Directors, we
kami mengucapkan terima kasih dan apresiasi atas would like to thank and appreciate all parties for
dukungan dan kerja sama tersebut. Ungkapan yang support and cooperation. We would like to extend
sama kami sampaikan kepada seluruh karyawan yang our gratitude to all dedicated, loyal and hardworking
telah bekerja penuh dedikasi dan loyalitas sehingga employees thus the Company can achieve the set target.
Perseroan mampu mewujudkan target-target yang For the progress and sustainability of the business in
telah ditetapkan. Untuk kemajuan dan keberlanjutan the following years, we hope that the support and
usaha pada tahun-tahun berikutnya, kami berhadap cooperation will continue to be given to the Company.
dukungan dan kerja sama tersebut tetap diberikan
kepada Perseroan.

Atas Nama Direksi

On behalf of the Board of Directors

Presiden Direktur
President Director

.01 .02 .03 .04
Tentang Laporan Keberlanjutan

About Sustainability Report
Laporan Keberlanjutan Perseroan Tahun 2021 yang This 2021 Sustainability Report of the Company is the
berada di tangan pembaca ini merupakan laporan second report the Company has published. The first
kedua yang diterbitkan Perseroan. Laporan sebelumnya published report was on March 8, 2021. As part of the
terbit pada 8 Maret 2021. Sebagai bagian dari Laporan Annual Report, the Company is committed to publishing
Tahunan, Perseroan berkomitmen untuk menerbitkan a Sustainability Report annually. [GRI 102-51, 102-52]
Laporan Keberlanjutan setahun sekali. [GRI 102-51,
102-52]
Laporan ini berisi kinerja ekonomi, lingkungan dan This report contains economic, environmental and
sosial berserta dampak yang ditimbulkan, termasuk social performance along with their impacts, including
di dalamnya dampak positif, selama kurun waktu the positive ones, during the period of January 1
1 Januari hingga 31 Desember 2021. Pelaporan tentang until December 31, 2021. Reporting on the above-
ketiga kinerja tersebut sekaligus merupakan upaya kami mentioned three performances also become our effort
dalam mendukung pencapaian tujuan pembangunan to support the achievement of global development
global, yaitu Sustainable Development Goals (SDGs), goals, namely Sustainable Development Goals (SDGs),
yang telah diadopsi Indonesia menjadi SDGs Indonesia which Indonesia has adopted into SDGs Indonesia
(http://sdgsindonesia.or.id/). Adapun ruang lingkup (http://sdgsindonesia.or.id/). The scope of this report
laporan ini adalah kinerja Perseroan yang beroperasi di is the operational performance of the Company in
berbagai wilayah di Indonesia. Per 31 Desember 2021, various regions in Indonesia. As of December 31, 2021,
Perseroan tidak memiliki entitas anak. [GRI 102-45, the Company has no subsidiaries. [GRI 102-45, 102-50]
102-50]
Data pencapaian kinerja ekonomi dalam laporan The data on the achievement of economic performance
ini sudah diaudit oleh Kantor Akuntan Publik untuk in this report has been audited by the Public Accounting
keperluan Laporan Tahunan Perseroan. Laporan ini Firm, which also audits the Company’s Annual Report.
menggunakan nominasi Rupiah, kecuali diindikasikan This report uses Rupiah nomination unless otherwise
lain. Untuk menjangkau pemangku kepentingan yang indicated. To reach a wider range of stakeholders, we
lebih luas, kami menyampaikan laporan dalam dua submit reports in two languages, namely Indonesian
bahasa, yakni Bahasa Indonesia dan Bahasa Inggris. and English. The quantitative data in this report is
Data kuantitatif dalam laporan ini disajikan dengan presented using the principle of comparability for at least
menggunakan prinsip daya banding (comparability) 3 consecutive years. Therefore, the report users can
minimal dalam 3 tahun berturut-turut. Dengan analyze the trend of the Company’s performance.
demikian, pengguna laporan dapat melakukan analisis
tren kinerja Perseroan.
Untuk menghemat kertas – sebagai salah satu bentuk To save paper – as one of sustainability concerns, we
kepedulian terhadap keberlanjutan, kami mencetak print a limited copy of reports. Therefore, to read this
laporan dalam jumlah terbatas. Untuk itu, bagi report, stakeholders can access and download it on the
pemangku kepentingan yang ingin membaca laporan Company’s official website, namely www.wom.co.id.
ini bisa mengakses dan mengunduhnya di situs resmi
Perseroan, yakni www.wom.co.id.

.05 .06 .07
RUJUKAN LAPORAN REPORT REFERENCE
Laporan ini disusun berdasarkan panduan Peraturan This report is compiled with reference to the Financial
Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 tentang Services Authority Regulation Number 51/POJK.03/2017
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa concerning the Implementation of Sustainable Finance
Keuangan, Emiten dan Perusahaan Publik, Surat Edaran for Financial Service Institutions, Issuers and Public
Otoritas Jasa Keuangan Republik Indonesia Nomor 16/ Companies, the Financial Services Authority Circular
SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Letter Number 16 /SEOJK.04/2021 regarding the Form
Emiten atau Perusahaan Publik, serta Standar GRI (GRI and Content of the Annual Report of Issuers or Public
Standards) yang dikeluarkan oleh Global Sustainability Companies and GRI Standards issued by the Global
Standards Board (GSBB) – lembaga yang dibentuk oleh Sustainability Standards Board (GSBB) – an institution
Global Reporting Initiative (GRI) untuk menangani formed by the Global Reporting Initiative (GRI) to
pengembangan standar Laporan Keberlanjutan. Sesuai handle the development of Sustainability Reporting
dengan pilihan yang disediakan dalam Standar GRI, yakni standards. Following the two available options in the
Pilihan Inti dan Pilihan Komprehensif, laporan ini telah GRI Standards, namely Core Option and Comprehensive
disiapkan sesuai dengan Standar GRI: Pilihan Inti. [GRI Option, this report has been prepared in accordance
102-54] with the GRI Standards: Core Option. [GRI 102-54]
Kami berupaya untuk menyampaikan semua informasi We strive to convey all information and data as
dan data yang diminta POJK Nomor 51/POJK.03/2017, requested by POJK Number 51/POJK.03/2017, SEOJK
SEOJK Nomor 16/SEOJK.04/2021 dan Standar GRI. Number 16/SEOJK.04/2021 and GRI Standards. To
Untuk memudahkan pembaca menemukan informasi facilitate the readers to find information that matches
yang sesuai dengan rujukan, kami menyertakan the reference, we include special markers in the form
penanda khusus berupa huruf dan angka sebagaimana of letters and numbers as regulated in POJK Number
diatur dalam POJK Nomor 51/POJK.03/2017 dan SEOJK 51/POJK.03/2017 and SEOJK Number16/SEOJK.04/2021
Nomor 16/SEOJK.04/2021 atau pencantuman angka or the inclusion of GRI Standard disclosure numbers
pengungkapan Standar GRI di belakang kalimat behind the relevant sentences or paragraphs. This is
atau alinea yang relevan. Hal ini diharapkan dapat expected to make it easier for readers to find relevant
mempermudah pembaca dalam menemukan informasi information for each disclosure. Comprehensive data
terkait untuk setiap pengungkapan. Data lengkap on the suitability of the report contents with the three
kecocokan isi laporan dengan ketiga ujukan disajikan references is presented at the back of this report. [GRI
di bagian belakang laporan ini. [GRI 102-55] 102-55]
POJK Nomor 51/POJK.03/2017, SEOJK Nomor POJK Number 51/POJK.03/2017, SEOJK Number
16/SEOJK.04/2021 dan Standar GRI merekomendasikan 16/SEOJK.04/2021 and the GRI Standards recommend
penggunaan external assurance oleh pihak ketiga yang the use of external assurance by an independent
independen untuk memastikan kualitas dan keandalan third party to ensure the quality and reliability of
informasi yang disampaikan dalam laporan ini. Namun, the information presented in this report. However,
hal itu bukanlah persyaratan agar dapat “sesuai” this is not a requirement to be “in accordance” with
dengan pedoman Standar GRI maupun POJK Nomor the guidelines of the GRI Standards, POJK Number

.01 .02 .03 .04
51/POJK.03/2017 dan SEOJK Nomor 16/SEOJK.04/2021. 51/POJK.03/2017 and SEOJK Number 16/SEOJK.04/2021.
Atas pertimbangan tertentu dari manajemen, Based on certain considerations from management,
Perseroan belum melakukan penjaminan dari pihak the Company has not used any assurance from
ketiga yang independen. Namun demikian, kami independent third party. However, we guarantee that
menjamin bahwa seluruh informasi yang diungkapkan all information disclosed in this report is true, accurate
di dalam laporan ini adalah benar, akurat dan faktual. and factual. Meanwhile, to comply with the principle
Sementara itu, untuk memenuhi prinsip validitas, of validity, if there is a restatement of information
apabila terdapat penyajian kembali informasi yang published in the previous year due to differences in the
terbit pada tahun sebelumnya karena perbedaan calculation methodology or other reasons, this report
metodologi perhitungan atau alasan lain, maka dalam will be marked with a *restatement. [GRI 102-48,
laporan ini akan diberi tanda *disajikan kembali. [GRI 102-56]
102-48, 102-56]
Perseroan berharap laporan ini bisa menjadi sumber The Company hopes this report to be a source of
informasi bagi para pemangku kepentingan untuk information for stakeholders to gain insights into the
mengetahui kinerja keberlanjutan yang dilakukan sustainability performance conducted during 2021.
selama 2021. Untuk terwujudnya komunikasi dua arah, Realizing two-way communication, the Company
Perseroan menyediakan Lembar Umpan Balik di bagian provides a Feedback Form at the end of this report.
akhir laporan ini. Melalui lembar tersebut, diharapkan The Feedback Form is expected to be the medium for
pembaca dan pengguna laporan ini dapat memberikan the report readers and users to provide suggestions,
usulan, umpan balik, opini dan sebagainya, yang feedbacks, opinions and other recommendation
sangat berguna bagi peningkatan kualitas pelaporan that will be very useful for improving the quality of
di masa depan. reporting in the future.
PROSES PENENTUAN KONTEN LAPORAN DETERMINATION PROCESS OF REPORT CONTENT
Merujuk pada panduan GRI, kami menggunakan Referring to the GRI guidelines, we use 4 steps in
4 langkah dalam menentukan topik dan isi Laporan, determining the topic and content of the Report,
yaitu: namely:
1. Identifikasi 1. Identification
Kami melakukan identifikasi terhadap topik-topik We identify material/important topics and
yang material/penting dan menetapkan batasan set boundaries.
(boundary).
2. Prioritas 2. Priority
Kami membuat prioritas atas topik-topik yang telah We prioritize the topics identified in the
diidentifikasi pada langkah sebelumnya. previous step.
3. Validasi 3. Validation
Kami melakukan validasi atas topik-topik yang We validate the material topics.
dinilai material tersebut.
4. Review 4. Review
Kami melakukan review atas laporan setelah We review the report after the publication to
diterbitkan guna meningkatkan kualitas laporan improve the report quality for the following year.
tahun berikutnya.
Keempat langkah dalam menetapkan konten laporan The four steps in defining report content are described
digambarkan dalam Bagan Alur Proses Penetapan in the Report Topic and Content Determination Process
Topik dan Isi Laporan sebagai berikut: Flowchart as follows:

.05 .06 .07
Bagan Alur Proses Penetapan Konten Laporan

Flow Chart of Content Report Deployment Process
Topik Aspek Pengungkapan Pendekatan Manajemen + Indikator

Topic Aspect Disclosure of Management Approach + Indicator
Langkah 1 Identifikasi Langkah 2 Prioritas Langkah 3 Validasi

Step 1 Identification Step 2 Priority Step 3 Validation
Konteks
Materialitas Kelengkapan
Keberlanjutan
Materiality Completeness
Sustainability Context
Pelibatan Pemangku Kepentingan

Stakeholder Engagament
Langkah 4 Review
Step 4 Review
Konteks Keberlanjutan Pelibatan Pemangku Kepentingan

Sustainability Context Stakeholder Engagament
Adapun proses penentuan konten laporan dilakukan The determination of report content is carried out by
dengan memperhatikan kesesuaian dengan taking into account conformity with the sustainability
prinsip pelaporan keberlanjutan yang disusun oleh reporting principles prepared by GRI, including:
GRI meliputi:
1. Stakeholder Inclusiveness 1. Stakeholder Inclusiveness
Perseroan telah melakukan identifikasi kelompok The Company has identified stakeholder groups
pemangku kepentingan serta memasukkan harapan and included the expectations and interests of each
dan kepentingan masing-masing kelompok yang group related to the Company’s business activities.
terkait dengan kegiatan bisnis Perseroan.
2. Sustainability Context 2. Sustainability Context
Laporan ini mengungkapkan kinerja dan dampak This report discloses the Company’s performance
Perseroan dalam konteks keberlanjutan yang and impact on sustainability, which includes
meliputi aspek ekonomi, sosial dan lingkungan. economic, social and environmental aspects.
3. Materiality 3. Materiality
Laporan ini mengungkapkan dampak ekonomi, This report discloses the Company’s economic social
sosial dan lingkungan Perseroan yang relevan and environmental impacts that are relevant to the
dengan dampak kegiatan bisnis serta signifikan impact of business activities and are significant in
dalam evaluasi dan pengambilan keputusan para the evaluation and decision making of stakeholders.
pemangku kepentingan.

.01 .02 .03 .04
4. Completeness 4. Completeness
Laporan ini mengungkapkan semua aspek This report discloses all sustainability material
keberlanjutan yang material beserta batasannya aspects and their relevant boundaries. Thus,
yang relevan sehingga para pemangku kepentingan stakeholders are able to evaluate the Company’s
dapat mengevaluasi kinerja keberlanjutan sustainability performance in the reporting period.
Perseroan dalam periode pelaporan.
Selanjutnya, konten laporan diulas demi memenuhi Furthermore, the report content is reviewed to meet
6 prinsip kualitas yang direkomendasikan oleh GRI, the 6 quality principles recommended by GRI, including:
meliputi:
1. Akurasi 1. Accuracy
Informasi yang disajikan harus akurat dan detail The presented information must be accurate and
sehingga dapat digunakan oleh para pemangku detail. Thus, stakeholders can use it to assess the
kepentingan untuk menilai kinerja Perseroan. Company’s performance.
2. Keseimbangan 2. Balance
Kinerja Perseroan yang disajikan harus memuat The Company’s performance presented in the
aspek positif maupun negatif sehingga dapat report must contain positive and negative aspects
dinilai secara rasional dan menyeluruh. to be able to be assessed rationally and thoroughly.
3. Kejelasan 3. Clarity
Informasi yang disajikan harus mudah dipahami The presented information must be easily
dan terbuka bagi para pemangku kepentingan understood and open for stakeholders to access.
untuk diakses.
4. Daya Banding 4. Comparability
Informasi yang disajikan harus konsisten dan The presented information must be consistent and
dapat digunakan oleh pemangku kepentingan can be used by stakeholders to assess changes in
untuk menilai perubahan kinerja yang terjadi performance that occur in the Company within a
pada Perseroan dalam jangka waktu tertentu, certain period, the data and information used for
dapat dengan menyertakan data dan informasi several years prior to the reporting period.
untuk beberapa tahun sebelum periode pelaporan
yang digunakan.
5. Keandalan 5. Reliability
Laporan harus memuat dan menggunakan The report must contain and use the information
informasi serta proses yang digunakan dalam and processes used in preparing the report. It must
menyiapkan laporan yang dapat diperiksa dan be able to be examined and reflect the quality and
mencerminkan kualitas dan materialitas dari materiality of the presented information.
informasi yang disajikan.
6. Ketepatan Waktu 6. Punctuality
Laporan harus diterbitkan secara rutin sehingga The report should be published regularly thus
pemangku kepentingan dapat mengambil stakeholders can make timely decisions based on
keputusan secara tepat waktu berdasarkan available information.
informasi yang tersedia.
DAFTAR TOPIK MATERIAL DAN BOUNDARY [GRI LIST OF MATERIAL TOPICS AND BOUNDARIES [GRI
102-47] 102-47]
Topik material dalam laporan ini, seperti disebutkan The material topics in this report, as stated in
dalam Standar GRI adalah topik-topik yang telah the GRI Standards are topics that become the
diprioritaskan Perseroan untuk disampaikan dalam Company’s priorities to be submitted in the report.

.05 .06 .07
laporan. Dimensi yang digunakan untuk menentukan The indicators include, among others the economic,
prioritas, antara lain dampak terhadap ekonomi, environmental and social impacts of the Company
lingkungan dan sosial Perseroan beserta segenap and all stakeholders. In this report, those include the
pemangku kepentingan. Dampak dalam laporan ini positive impacts.
termasuk di dalamnya yang bernilai positif.
Untuk mendapatkan Topik Material laporan ini, To obtain the Material Topics for this report, the
Perseroan telah melakukan Focus Group Discussion Company conducted an online Focus Group Discussion
secara daring pada 4 November 2021, yang diikuti on November 4, 2021. People from cross divisions/
oleh para penanggung jawab penyusunan laporan sections in charge of preparing the sustainability
keberlanjutan lintas divisi/bagian sebagai pemangku report as internal stakeholders attended the FGD.
internal. Selanjutnya, topik-topik material yang Furthermore, the agreed material topics are tested
telah disepakati dilakukan pengujian melalui survei through a materiality test survey involving internal and
uji materialitas dengan melibatkan pemangku external stakeholders.
kepentingan internal maupun eksternal.
Selain menjadi bentuk pelibatan pemangku In addition to stakeholder involvement, a survey is

kepentingan, survei dilakukan untuk memperoleh conducted to obtain a rating or level for each material
peringkat atau level masing-masing topik material. topic. During the survey, respondents were asked to
Dalam survei, responden diminta menilai 10 topik rate 10 material topics that had been agreed upon
material yang telah disepakati dalam FGD dengan in the FGD on a scale of 1-5 based on their level of
skala 1-5 berdasarkan tingkat kepentingannya importance as follows:
sebagai berikut:
1. Paling Kurang Penting 1. Least Important
2. Kurang Penting 2. Less Important
3. Agak Penting 3. Somewhat Important
4. Penting 4. Important
5. Paling Penting 5. Most Important
TOPIK EKONOMI
ECONOMIC TOPICS TOPIK SOSIAL
SOCIAL TOPICS
1. Kinerja Ekonomi | Economic Performance
2. Keberadaan Pasar | Market Presence 7. Kesehatan dan
3. Dampak Ekonomi Tidak Langsung | Indirect Economic Keselamatan Kerja |
Impacts Occupational Health and
Safety
8. Pelatihan dan Pendidikan
Karyawan | Employee
TOPIK Lingkungan Training and Education
ENVIRONMENTAL TOPICS 9. Pekerja Anak | Child Labor
10. Privasi Pelanggan |
Customer Privacy
4. Material | Material
5. Energi | Energy
6. Air dan Efluen | Water and Effluent

.01 .02 .03 .04
Dalam survei uji materialitas, sebanyak 39 responden In the materiality test survey, 39 respondents from
pemangku kepentingan internal (karyawan dan internal stakeholders (employees and management
manajemen lintas divisi/bagian) dan 31 responden cross divisions/sections) and 31 respondents from
pemangku kepentingan eksternal (antara lain konsumen, external stakeholders (including customers, journalists
jurnalis dan anggota masyarakat dengan berbagai and the public with various professions) have filled out
profesi) telah mengisi dan mengembalikan formulir survei. and returned the survey form. Furthermore, all data
Selanjutnya, semua data dari responden diolah untuk from respondents is processed to get a rating/score
mendapatkan peringkat/skor setiap topik. Berdasarkan for each topic. Based on the data processing of the
olah data uji materialitas tersebut, diperoleh hasil yaitu materiality test, 9 material topics obtained high/very
9 topik material mendapat peringkat tinggi/sangat tinggi high ratings (with the average scores of ≥ 4-5), namely:
(rata-rata skor ≥4-5), yaitu:
TOPIK EKONOMI
ECONOMIC TOPICS TOPIK SOSIAL
SOCIAL TOPICS
1. Kinerja Ekonomi | Economic Performance
2. Keberadaan Pasar | Market Presence 7. Kesehatan dan
3. Dampak Ekonomi Tidak Langsung | Indirect Economic Keselamatan Kerja |
Impacts Occupational Health and
Safety
8. Pelatihan dan Pendidikan
Karyawan | Employee
TOPIK Lingkungan Training and Education
ENVIRONMENTAL TOPICS 9. Pekerja Anak | Child Labor
10. Privasi Pelanggan |
Customer Privacy
5. Energi | Energy
6. Air dan Efluen | Water and Effluent
Sementara itu, satu topik material mendapat peringkat Meanwhile, one material topic obtained a moderate
sedang (skor >2 dan <4) rating (score >2 and <4)
TOPIK Lingkungan
ENVIRONMENTAL TOPICS
4. Material | Material

.05 .06 .07
MATRIKS MATERIALITAS TERPILIH

SELECTED MATERIALITY MATRIX
5,00 9 10
7
3
4,50 1
65 8
2
4,00
4
3,50
Penting bagi Pemangku Kepentingan
Important for Stakeholders
3,00
2,50
2,00
1,50
1,00
Tinggi | High
0,50 Sedang | Medium
Rendah | Low
0,00
0,00 0,50 1,00 1,50 2,00 2,50 3,00 3,50 4,00 4,50 5,00
Penting bagi Perusahaan
Important for Company
Berdasarkan hasil uji materialitas tersebut tidak Based on the materiality test result, there was no
diperoleh topik material dengan peringkat/skor material topic with low ratings/scores, namely the
rendah, yaitu rerata skor ≤2. Untuk laporan ini, ke- topic with an average score of 2. For this report, the 10
10 topik material dengan peringkat tinggi/sangat material topics with a high/very high rating become the
tinggi dan sedang disepakati sebagai topik material material topics to be fully discussed and disclosed with
yang akan dibahas secara lengkap pengungkapannya reference to the FGD. Thus, the material topics of this
sesuai FGD. Dengan demikian, topik material laporan report are different and have had significant changes
ini berbeda dan mengalami perubahan signifikan jika when compared to the previous year’s report, which
dibandingkan dengan laporan tahun sebelumnya, covered 13 topics namely: [GRI 102-49]
yang mencakup 13 topik yaitu: [GRI 102-49]
a. Kinerja Ekonomi a. Economic Performance

b. Kehadiran Pasar b. Market Presence
c. Dampak Ekonomi Tak Langsung c. Indirect Economic Impact
d. Anti Korupsi d. Anti-Corruption
e. Energi e. Energy
f. Emisi f. Emissions
g. Ketenagakerjaan g. Employment
h. Pelatihan dan Pengembangan h. Training and Development
i. Hak Asasi Manusia i. Human Rights
j. Komunitas Lokal j. Local Community
k. Pemasaran dan Label Produk k. Marketing and Product Labeling
l. Privasi Pelanggan l. Customer Privacy
m. Pengembangan Kapasitas. m. Capacity Building.

.01 .02 .03 .04
Topik Material dan Batasan

Material Topics and Boundaries
Batasan Topik
Nomor Topic Boundary
Pengungkapan [GRI 102-46]
Topik Material Kenapa Topik Ini Material
GRI Standards
Material Topics Why This Topic is Material
GRI Standards Di Dalam Di Luar
[GRI 102-47] [GRI 103-1]
Disclosure Perseroan Perseroan
Number Inside the Outside the
Company Company
Topik Ekonomi
Economic Topics
Menggambarkan pencapaian dan kinerja Perseroan
Kinerja Ekonomi selama tahun pelaporan
Economic Performance Describing the Company's achievements and
201-1 √ √
performance during the reporting year
Menggambarkan komitmen Perseroan terhadap
Keberadaan Pasar hak normatif dalam pengupahan
Market Presence Describing the Company's commitment to normative
202-1 √ √
rights in wages
Dampak Ekonomi Menggambarkan manfaat atas keberadaan
Tidak Langsung Perseroan bagi masyarakat di sekitarnya
Indirect Economic Describe the benefits of the Company's presence for the
203-1, 203-2 √ √
Impact surrounding community
Topik Lingkungan
Environmental Topics
Menggambarkan komitmen Perseroan dalam
mengelola penggunaan material (kertas), termasuk
Material langkah-langkah penghematan yang dilakukan 301-1
Material Describing the Company's commitment to managing the √
use of materials (paper), including the savings measures
taken
Menggambarkan kepedulian Perseroan terhadap
pengelolaan energi tak terbarukan yang
Energi ketersediannya kian terbatas
Energy Describing the Company's concern for the management
302-1, 302-4 √
of non-renewable energy which availability is increasingly
limited
Menggambarkan kepedulian Perseroan terhadap
pengelolaan sumber daya air yang ketersediannya
Air dan Efluen kian terbatas
Water and Effluent Describing the Company's concern for the management
303-5 √ √
of water resources which availability is increasingly
limited
Topik Sosial
Social Topics
Kesehatan dan Menggambarkan komitmen Perseroan dalam
Keselamatan Kerja menyediakan tempat kerja yang aman dan nyaman
Occupational Health Describing the Company's commitment to providing a
403-1, 403-3 √
and Safety safe and comfortable workplace
Pelatihan dan Menggambarkan komitmen Perseroan dalam upaya
Pendidikan meningkatkan kompetensi pekerja
Training and Education Describing the Company's commitment to improving
404-1 √
employee competence

.05 .06 .07
Batasan Topik
Nomor Topic Boundary
Pengungkapan [GRI 102-46]
Topik Material Kenapa Topik Ini Material
GRI Standards
Material Topics Why This Topic is Material
GRI Standards Di Dalam Di Luar
[GRI 102-47] [GRI 103-1]
Disclosure Perseroan Perseroan
Number Inside the Outside the
Company Company
Menggambarkan komitmen Perseoran terhadap

Pekerja Anak penghapusan pekerja anak
Child Labor Describing the Company's commitment to eliminate child
408-1 √
labor
Menggambarkan komitmen Perseroan dalam
Privasi Pelanggan menjaga kerahasiaan data pelanggan
Customer Privacy Describing the Company's commitment to maintaining
418-1 √ √
the confidentiality of customer data
AKSES INFORMASI ATAS LAPORAN KEBERLANJUTAN ACCESS INFORMATION ON SUSTAINABILITY REPORT
Perseroan memberikan akses informasi seluas-luasnya The Company provides the widest possible access
bagi seluruh pemangku kepentingan serta masyarakat information in this report for all stakeholders and the
untuk mengakses laporan ini. Apabila ada pertanyaan public. If you have any questions regarding the contents
terhadap isi laporan, mohon menghubungi: [GRI 102-53] of the report, please kindly contact: [GRI 102-53]
CORPORATE SECRETARY
PT WAHANA OTTOMITRA MULTIARTHA TBK
Alamat Kantor Pusat | Head Office Address

Altira Office Tower floor 32, 33, 35
Jl. Yos Sudarso Kav. 85
Sunter Jaya, Tanjung Priok
Jakarta Utara 14350
Telp. +62 21 2188 2400
Fax. +62 21 2188 2420
E-mail: corporate_secretary@wom.co.id
Website: www.wom.co.id

.01 .02 .03 .04
Profil Perusahaan
Company Profile
Perseroan mempercepat digitalisasi dalam proses bisnis sebagai respons masih

terjadinya pandemi Covid-19
The Company accelerates digitalization in business processes in response to the ongoing Covid-19 pandemic
Tanggal Pendirian
Nama Perusahaan [GRI 102-1]
Date of Establishment
Company Name [GRI 102-1]
23
23 Maret 1982
March 23, 1982
Nama Panggilan Dasar Hukum Pembentukan
Company Nickname Legal Basis of Establishment
WOM Finance Akta Pendirian Nomor 179 tanggal 23 Maret 1982
yang kemudian diubah dengan Akta Perubahan
Status Perusahaan [GRI 102-5] Naskah Pendirian Nomor 96 tanggal 15 Desember
Company Status [GRI 102-5] 1982, keduanya dibuat di hadapan Kartini
Perseroan Terbatas dan Perusahaan Muljadi, SH., Notaris di Jakarta. Akta pendirian
ini telah mendapat pengesahan dari Menteri
Publik Kehakiman Republik Indonesia sesuai dengan
Limited Liability Company and Public Company Surat Keputusan Nomor C2-3167-HT.01.01.TH.82
tanggal 23 Desember 1982.
Bidang Usaha [GRI 102-2]
Line of Business [GRI 102-2] Deed of Establishment Number 179 dated March 23,
1982, which was subsequently amended pursuant to
Berusaha dalam Bidang Perusahaan the Deed of Amendment to the Deed of Establishment
Pembiayaan Number 96, dated December 15, 1982. Both of which
were drawn up before Kartini Muljadi, SH., a notary
Conducting Business in Finance Company Field in Jakarta. The Deed of Establishment was approved
by the Minister of Justice of the Republic of Indonesia
by virtue of Decree Number C2-3167-HT.01.01.TH.82
dated December 23, 1982.
Produk/Jasa yang Dimiliki [GRI 102-2]

Products/Services [GRI 102-2]
• Pembiayaan Multiguna Barang

• Pembiayaan Multiguna Jasa
• Pembiayaan Investasi
• Pembiayaan Modal Kerja
• Pembiayaan Jual Beli (Akad Murabahah)
• Multipurpose Goods Financing

• Multipurpose Services Financing
• Investment Financing
• Working Capital Financing
• Trade Financing
(Murabahah Contract)

.05 .06 .07
Identitas Perusahaan
Corporate Identity
Kepemilikan Saham [GRI 102-5] Ruang Lingkup Pasar /Wilayah Kerja

Share Ownership [GRI 102-5] Market Scope/Work Area
• PT Bank Maybank Indonesia Tbk (67,49%)
• PT Wahana Makmur Sejati (25,01%) Wilayah Indonesia
Indonesia Area
• Publik (7,50%)
Modal Dasar Jumlah Karyawan [GRI 102-8]

Authorized Capital Total Employees [GRI 102-8]
Rp500.000.000.000 2.416 orang | people
Entitas Anak dan Asosiasi [GRI 102-45]

Modal Disetor
Subsidiaries and Associates [GRI 102-45]
Paid-up Capital
Tidak ada
Rp348.148.148.000
None
Alamat Kantor Pusat [GRI 102-3][POJK.C.2]

Head Offiice Address [GRI 102-3][POJK.C.2]

Jakarta Utara 14350
Kantor Jaringan
Office Network
166 Kantor Layanan, yang terdiri dari 123 Kantor

Cabang dan 43 Kantor Selain Kantor Cabang (KSKC).
Alamat lengkap kantor jaringan disampaikan di Laporan
Tahunan, Bab Profil, halaman 140 [POJK.C.2]
166 Service Offices, including 123 Branch Offices and 43

Non-Branch Offices (NBO). Complete addresses of office
networks is provided in the Annual Report, Profile Chapter on
page 140 [POJK.C.2]
+62 21 2188 2400 corporate_secretary@wom.co.id
+62 21 2188 2420 www.wom.co.id

.01 .02 .03 .04
Sekilas Perusahaan
Company in Brief
PT Wahana Ottomitra Multiartha Tbk, yang dikenal PT Wahana Ottomitra Multiartha Tbk, hereafter
juga dengan WOM Finance atau Perseroan, berdiri pada referred to as WOM Finance or the Company, was
23 Maret 1982 dengan nama PT Jakarta-Tokyo Leasing. founded under the name of PT Jakarta-Tokyo Leasing
Perseroan bergerak di bidang pembiayaan sepeda on March 23, 1982. The Company is engaged in
motor, khususnya pembiayaan untuk sepeda motor financing services for motorcycles, especially Honda
merek Honda. Nama Perseroan mengalami beberapa branded ones. The Company changed its name multiple
kali perubahan, terakhir dengan Akta Nomor 5 tanggal times, including to PT Wahana Ometraco Multi Artha
15 Maret 2000, dimana nama Perseroan diubah dari and PT Wahana Ottomitra Multiartha through Deed
PT Wahana Ometraco Multi Artha menjadi PT Wahana Number 5 March 15, 2000. Its name changes were in
Ottomitra Multiartha. Perubahan nama sejalan dengan line with the Company’s business transformation and
transformasi bisnis yang dilakukan Perseroan. Seiring its motivation to continuously grow and develop. Aside
dengan perubahan nama dan transformasi bisnis, from financing for Honda-branded motorcycles, the
Perseroan terus tumbuh dan berkembang. Perseroan Company also provides financing services for other
tidak hanya melayani pembiayaan sepeda motor merek Japanese motorcycle brands, such as Yamaha, Suzuki
Honda, namun melayani pula pembiayaan sepeda and Kawasaki.
motor merek Jepang lainnya, seperti Yamaha, Suzuki
dan Kawasaki.
Perseroan mencatatkan sejarah pada tahun 2004, In 2004, the Company made history when the Company
yaitu saat Perseroan mendapatkan pernyataan efektif obtained an effective statement from the Financial
dari Otoritas Jasa Keuangan/OJK untuk melakukan Service Authority to conduct an Initial Public Offering.
Penawaran Umum Saham Perdana. Pada kesempatan The Company offered 200,000,000 shares with a
tersebut, Perseroan menawarkan sebanyak 200.000.000 nominal value of Rp100 per share and had an initial
lembar saham dengan nilai nominal Rp100 per saham offering price of Rp700 per share. The shares were
dan harga penawaran sebesar Rp700 per saham. listed on the Indonesia Stock Exchange on December
Melantainya Perseroan di Bursa Efek Indonesia telah 13, 2004 under the ticker code of “WOMF”.
dicatatkan pada 13 Desember 2004 dengan “WOMF”
sebagai kode saham Perseroan.
Sejarah Perseroan berlanjut pada tahun 2005 saat The Company’s history continued in 2005 when the
Perseroan menjadi bagian dari kelompok usaha Company became a part of PT Bank Maybank Indonesia
PT Bank Maybank Indonesia Tbk. Status baru ini melekat Tbk. This new status is attached after PT Bank Maybank
setelah PT Bank Maybank Indonesia Tbk mengakuisisi Indonesia Tbk acquired 43% worth of share ownership
43% kepemilikan saham Perseroan. in the Company.
Sepuluh tahun kemudian, yaitu tahun 2015, Perseroan Ten years later, in 2015, the Company carried out
melakukan right issue melalui Penawaran Umum Terbatas, its rights issuing through a Limited Public Offering,
dimana PT Bank Maybank Indonesia Tbk bertindak sebagai whereby PT Bank Maybank Indonesia Tbk acted as
standby buyer. Dalam right issue ini, Perseroan menerbitkan the standby buyer. In this rights issue, the Company
1.481.481.480 saham baru. Berdasarkan kebijakan strategi issued 1,481,481,480 new shares. The share ownership
ini, kepemilikan saham PT Bank Maybank Indonesia Tbk di of PT Bank Maybank Indonesia Tbk in the Company
Perseroan berubah menjadi 68,55%. subsequently increased to 68.55%.
Kebijakan strategis berikutnya dilakukan pada tahun 2017, The Company carried out a strategic corporate action by
yaitu Perseroan menerbitkan Obligasi Berkelanjutan II Tahap issuing Sustainable Bonds II Phase II, which amounted to
II sebesar Rp720,5 miliar dan tahap III Tahun 2017 sebesar Rp720.5 billion and Phase III of 2017, which amounted
Rp867,5 miliar dengan peringkat AA- (idn) (Double AA-) to Rp867.5 billion, with AA- (idn) (Double AA-) ratings
dari PT Fitch Ratings Indonesia (Fitch). Sementara itu, pada from PT Fitch Ratings Indonesia (Fitch). Meanwhile, in

.05 .06 .07
tahun 2018, Perseroan melakukan aksi korporasi lainnya 2018, the Company exercised other corporate actions
sebagai salah satu upaya untuk memperkuat struktur as one of its efforts to strengthen its long-term funding
pendanaan jangka panjang dan mendukung pertumbuhan structure and drive business growth by issuing Bonds II
bisnis dengan merealisasikan penerbitan Obligasi II Tahap Phase IV and V totaling in at Rp793 billion and Rp360.5
IV dan V sebesar Rp793 miliar dan Rp360,5 miliar serta billion, as well as Bonds III Phase I totaling in at Rp570.5
menerbitkan Obligasi III Tahap I sebesar Rp570,5 miliar billion. These corporate actions were exercised through
dimana penerbitan aksi korporasi ini dilaksanakan melalui a Shelf Public Offering mechanism.
mekanisme Penawaran Umum Berkelanjutan (PUB).
Pada tahun 2019, Perseroan melakukan aksi korporasi In 2019, the Company carried out corporate actions
dengan menerbitkan Obligasi III Tahap II sebesar by issuing Bonds III Phase II that amounted to
Rp1,675 triliun dimana penerbitan aksi korporasi ini Rp1.675 trillion through Shelf Public Offering
dilaksanakan melalui mekanisme Penawaran Umum mechanisms. A year after that, the Company issued
Berkelanjutan (PUB). Tahun berikutnya, tahun 2020, Shelf Bonds III Phase III WOM Finance, which amounted
Perseroan menerbitkan Obligasi Berkelanjutan III WOM to Rp260.3 billion and Shelf Bonds III Phase IV WOM
Finance Tahap III sebesar Rp260,3 miliar dan Obligasi Finance, which amounted to Rp500 billion.
Berkelanjutan III WOM Finance Tahap IV sebesar Rp500
miliar.
Selain aksi korporasi, tahun 2020, Perseroan juga In addition to corporate action, in 2020, the Company
mengembangkan layanan digital bekerjasama dengan also developed digital services in collaboration with
marketplace seperti Bukalapak, Tokopedia dan Gobills, marketplaces such as Bukalapak, Tokopedia and
serta bekerjasama dengan PT Bank Maybank Indonesia Gobills and PT Bank Maybank Indonesia Tbk (MBI) in
Tbk (MBI) dalam layanan pembayaran melalui QRIS (Quick payment services through QRIS (Quick Response Code
Respons Code Indonesian Standard). Pengembangan Indonesian Standard). the Company also developed
digital lainnya pun dikembangkan Perseroan untuk other digital features to facilitate the employees'
aktivitas operasional kerja karyawan. Melalui aplikasi operational activities. Employees can make use of
Google Suite, karyawan dapat melakukan koordinasi dan Google Suite application to do coordination and
proses approval dengan cara digital. process approval digitally.
Pada tahun 2021, Perseroan kembali melakukan aksi In 2021, the Company carried out corporate actions
korporasi sebagai salah satu upaya untuk memperkuat as one of the efforts to sustain long-term financing
struktur pendanaan jangka panjang dan mendukung structure and to support business growth by issuing
pertumbuhan bisnis dengan merealisasikan penerbitan Bonds IV Phase 1, which totaled in at Rp500 billion.
Obligasi IV Tahap I sebesar Rp500 miliar. Penerbitan This corporate action was carried out through a Shelf
aksi korporasi ini dilaksanakan melalui mekanisme Public Offering mechanism. In addition, the Company
Penawaran Umum Berkelanjutan (PUB). Selain itu, moves towards digitalization by implementing
Perseroan juga telah bergerak ke arah digitalisasi di G-Suite. The implementation is carried out to increase
mana Perseroan telah melakukan implementasi G-Suite. the productivity and connectivity of the Company’s
Implementasi G-suite dilakukan untuk meningkatkan operations since the Covid-19 pandemic requires the
produktivitas dan konektivitas operasional Perseroan. Company to accelerate digitization in the Company’s
Hal tersebut dilakukan karena pandemi Covid-19 yang business processes.
masih terjadi hingga saat ini sehingga mengharuskan
Perseroan untuk mempercepat digitalisasi dalam proses
bisnis Perseroan.

.01 .02 .03 .04

[GRI 102-16] [POJK.C.1]
Vision, Mission and Corporate Values [GRI 102-16] [POJK.C.1]
Menjadi salah satu Perseroan

pembiayaan terbaik di Indonesia dengan
Visi Vision
menerapkan tata kelola Perseroan yang
baik.
To be one of the best financing companies in Indonesia
through good corporate governance implementation.
1 Mengutamakan kepuasan konsumen dan mitra

kerja lainnya.
Placing the satisfaction of the customers and business
partners as the first priority.
Membangun infrastruktur berbasis TI untuk
Misi
2
melaksanakan proses yang baik.
Establishing IT-based infrastructures to promote sound
processing.
Mission 3 Pengembangan dan perluasan jaringan usaha,

terutama di daerah potensial.
Developing and expanding business network, particularly
in potential areas.
4 Mengoptimalkan kinerja Perseroan.

Optimizing company performance.

.05 .06 .07
Nilai Perusahaan
Corporate Values
T R
I E
G
Excellence & Relationship
Teamwork Integrity Growth Efficiency Building
Kami bekerja Kami jujur, Kami memiliki Kami berkomitmen Kami secara
sama sebagai profesional dan keinginan yang kuat untuk menghasilkan berkesinambungan
satu tim yang berlandaskan untuk melakukan kinerja yang membangun
didasari nilai saling peningkatan dan hubungan kerja
moral dalam semua sempurna dan sama jangka
menghargai dan rasa kegiatan usaha kami. pembaharuan secara layanan prima. panjang yang saling
kebanggaan. konsisten. menguntungkan.
We work together as a We are honest, We are passionate We are committed to We continuously build
team based on mutual professional and ethical about constant deliver outstanding longterm and mutually
respect and dignity. in all our dealings. improvement and performance and beneficial partnership.
innovation. superior services.

.01 .02 .03 .04
Struktur Organisasi
Organization Stucture
General Meeting of
Shareholder
Syariah Supervisory
Board
Board of Director
Djaja S. Sutandar
President Director*
Wibowo Njauw Vido Onadi Vacant Anthony Yuarez

Panggabean
Risk Management
Marketing Director Finance Director Operations Director
Director
Cincin Lisa Hadi
Sim Simadibrata Hariyanto Irene Khoe Rina Mayangsari

Marketing Reguler Credit & Asset Management Finance & Accounting
Unit Division Head Operation Division Head
Andri Setiawan Saidina D. Bantayan Erik Tanudjaja Felix Priscellius

Collection & Remedial Financial Planning & Investor Information Technology
NDS Division Head
Joshua H. M. Pramujia Herwin Jimmy Sutrisno Ardhi Nugroho Budi

Marketing Development Risk Management Financial Analyst & Development IT Security & Compliance
Division Head Division Head Sub Division Head Sub Division Head
M. Chandra Furkan Panji Dwisatia Munajat Charles Sugiarta

Project Management Organization Policies &
Kepala Unit Usaha Syariah
Office Division Head Procedures Sub Division Head
Herfan Herlambang
Tele Center Sub Division Head
Reporting Lines
Coordination Lines
Supervisory Lines
* Merangkap sebagai Sekretaris Perusahaan | Serves as Corporate Secretary

.05 .06 .07
Remuneration and
Risk Oversight Committee Audit Committee
Nomination Committee
Product & Business

Risk Management Committee Development Syariah
Steering Committee
Committee
Ekanto Wijonosunu
Chief Human Capital
Officer
Vacant Heru S. Hadianto Ignatius Prasetya

Human Capital Shared Business Network & Initiative Internal Audit
Service Division Head Management Division Head Division Head
Cristina M.F. Samosir Christin

Business Unit Head Legal Counsel
Human Capital Strategic &
Development Division Head Division Head
Anang Ludy Puspawan Muhamad Akmal

Deputy Business Unit
Human Capital Business Head Anti Fraud Division Head
Partner & Industrial Relation
Department Head
I Gede Sudarsana
Branch Head
UK APU PPT Section Head
Dewan Komisaris Kepala Regional

Board of Commissioners Business Unit Head
Presiden Komisaris / Gilbert Samuel Siahaan : Jakarta, Bogor, Depok, Bekasi
Komisaris Independen : I Nyoman Tjager Andriansyah : Jawa Barat | West Java
(President Commissioner/
Independent Commissioner) Bambang Purwanto : Jawa Tengah | Central Java
Wakil Presiden Komisaris Jawa Timur, Bali, Nusa Tenggara
: Robbyanto Budiman Andreas Aditya :
(Vice President Commissioner) East Java, Bali, Nusa Tenggara
Komisaris Sumatera Bagian Utara
: Garibaldi Thohir Effendi Simatupang :
(Commissioner) North of Sumatera
Komisaris Sumatera Bagian Selatan
: Thilagavathy Nadason Audi Pramadita Putra :
(Commissioner) South of Sumatera
Komisaris Independen Armawati, SH : Kalimantan Sulawesi
: Myrnie Zachraini Tamin
(Independent Commissioner)
Lambertus Langkun : Banten

.01 .02 .03 .04
Bidang Usaha [OJK C.4]

Line of Business [OJK C.4]
Sesuai dengan Anggaran Dasar, kegiatan usaha Pursuant to the Company’s Articles of Association,
utama Perseroan adalah sebagai berikut: the Company’s main business activities are as follows:
a. Pembiayaan Investasi yang dilakukan dengan cara:

Investment Financing conducted by:
• Sewa pembiayaan; • Pembelian dengan Pembayaran Secara Angsuran;

Finance Lease; Purchase Payment by Installments;
• Jual dan Sewa Balik; • Pembiayaan Proyek;
Sale and Leaseback; Project Financing;
• Anjak Piutang dengan pemberian Jaminan dari • Pembiayaan Infrastruktur; dan/atau
Penjual Piutang; Infrastructure Financing; and/or
Factoring with Recourse; • Pembiayaan lain setelah terlebih dahulu mendapatkan
• Anjak Piutang tanpa Pemberian Jaminan dari persetujuan dari OJK.
Penjual Piutang; Additional financing after prior approval from the
Factoring without Recourse; Financial Services Authority (OJK).
b. Pembiayaan Modal Kerja yang dilakukan dengan bentuk:

Working Capital Financing conducted by:
• Jual dan Sewa Balik; • Fasilitas Modal Usaha; dan/atau

Sale and Leaseback; Working Capital Facility; and/or
• Anjak Piutang dengan Pemberian Jaminan dari • Pembiayaan lain setelah terlebih dahulu mendapatkan
Penjual Piutang; persetujuan dari OJK.
Factoring with Recourse; Additional financing after prior approval from the
Financial Services Authority (OJK).
• Anjak Piutang tanpa Pemberian Jaminan dari
Penjual Piutang;
Factoring without Recourse;
c. Pembiayaan Multiguna yang dilakukan dengan bentuk:

Multipurpose Financing conducted by:
• Sewa Pembiayaan; • Pembiayaan lain setelah terlebih dahulu mendapatkan

Finance Lease; persetujuan dari OJK.
• Pembelian dengan Pembayaran Secara Angsuran; Additional financing after prior approval from the
Purchase Payment by Installments; Financial Services Authority (OJK).
• Fasilitas Dana; dan/atau

Funding Facility; and/or
d. Kegiatan usaha pembiayaan lain berdasarkan persetujuan OJK

Other financing activities prior approval from OJK

.05 .06 .07
e. Menyediakan pembiayaan dan/atau melakukan kegiatan usaha berdasarkan prinsip syariah, sesuai
dengan ketentuan yang ditetapkan oleh OJK, Pemerintah dan/atau Dewan Syariah Nasional yang
Providing financing and/or conducting business based on sharia principles, in accordance with conditions
established by OJK, the Government and/or the National Sharia Council:
a) Pembiayaan jual beli yang dilakukan dengan c)

Pembiayaan jasa yang dilakukan dengan
menggunakan akad: menggunakan akad:
Trade financing performed using the following types Service financing performed using the following types
of contracts: of contracts:
• Murabahah; • Ijarah;
Murabahah; Ijarah;
• Salam; dan/atau • Ijarah Muntahiyah Bittamlik;
Salam; and/or Ijarah Muntahiyah Bittamlik;
• Istishna’. • Hawalah atau Hawalah bil Ujrah;
Istishna’. Hawalah or Hawalah bil Ujrah;
b)
Pembiayaan Investasi yang dilakukan dengan • Wakalah atau Wakalah bil Ujrah;
menggunakan akad: Wakalah or Wakalah bil Ujrah;
Investment financing performed using the following types • Kafalah atau Kafalah bil Ujrah;
of contracts: Kafalah or Kafalah bil Ujrah;
• Mudharabah; • Ju’alah; dan/atau
Mudharabah; Ju’alah; and/or
• Musyarakah; • Qardh.
Musyarakah; Qardh.
• Mudharabah Musytarakah; dan/atau
Mudharabah Musytarakah; and/or
• Musyarakah Mutanaqishoh.
Musyarakah Mutanaqishoh.
Selain kegiatan usaha utama di atas, Perseroan dapat melaksanakan kegiatan usaha penunjang lainnya sebagai
berikut:
In addition to the main business activities, the Company can carry out other supporting business activities as follows:
• Sewa Operasi; • Mengusahakan usaha-usaha lain yang berhubungan

Operating Lease; langsung maupun tidak langsung dengan maksud
• Kegiatan berbasis fee sepanjang tidak bertentangan tersebut di atas yang pelaksanaannya tidak bertentangan
dengan perundang-undangan di sektor jasa keuangan; dengan Undang-Undang yang berlaku di Negara
dan/atau Republik Indonesia.
Any fee-based activities, which do not violate the Other business that deal directly or indirectly with the
regulation in the financial services sector; and/or. aforementioned purposes whose implementation that
does not violate the prevailing laws in the Republic
of Indonesia.

.01 .02 .03 .04
Produk dan Layanan [OJK C.4]

Product and Services [OJK C.4]
Dalam menjalankan usahanya Perseroan memiliki In running its business, the Company has a variety of
beragam produk dan layanan yang sesuai dengan products and services that suit the needs of consumers.
kebutuhan konsumen. Produk dan layanan yang The following products and services are:
dimiliki sebagai berikut:
Pembiayaan Multiguna Barang Pembiayaan Multiguna Jasa

Multipurpose Goods Financing Multipurpose Services Financing
• Pembiayaan Motor Baru • MotorKu
New Motorcycle Financing a. Multiguna MotorKu
• Pembiayaan Motor Bekas Multipurpose MotorKu
Used Motorcycle Financing b. Fasilitas Dana MotorKu
MotorKu Funding Facility
• MobilKu
Investment Financing a. Multiguna MobilKu
Multipurpose MobilKu
• Sale and Leaseback MobilKu b. Fasilitas Dana MobilKu
Pembiayaan Jual Beli (Akad Murabahah)

Pembiayaan Modal Kerja Selling and Buying Financing (Murabahah Contract)
• Pembiayaan Syariah Motor Baru
• Fasilitas Modal Usaha MobilKu New Motorcycle Sharia Financing
• Pembiayaan Syariah Logam Mulia “MasKu”
• Sale and Leaseback MobilKu “MasKu” Precious Metals Sharia Financing

.05 .06 .07

.01 .02 .03 .04
Wilayah Operasional [GRI 102-4] [GRI 102-6]

Operational Map [GRI 102-4] [GRI 102-6]
Perseroan beroperasi di berbagai wilayah di Indonesia dan tidak beroperasi di negara lain, dengan persebaran
sebagai berikut:
Kantor Regional Sumatera Bagian Utara, terdiri dari:


Kantor Regional Sumatera Bagian Selatan, terdiri dari:

Regional Offices of South Sumatera, consisting of:

Kantor Regional Jakarta, Bogor, Depok & Bekasi, terdiri dari:

Regional Offices of Jakarta, Bogor, Depok & Bekasi, consisting of:

Kantor Regional Banten, terdiri dari:

Regional Offices of Banten, consisting of:

Kantor Regional Jawa Barat, terdiri dari:

West Java Regional Offices, consisting of:


.05 .06 .07
The Company operates in various regions in Indonesia and does not run its operation in other countries. The
distribution of its operation is presented as follows:
Kantor Regional Kalimantan Sulawesi, terdiri dari:

Regional Offices of Kalimantan Sulawesi, consisting of:

Kantor Regional Jawa Timur, Bali, Nusa Tenggara, terdiri dari:

Regional Offices of East Java, Bali, Nusa Tenggara, consisting of:

Kantor Regional Jawa Tengah, terdiri dari: (18 Kantor Cabang Unit Usaha Syariah | Sharia Unit Branch Offices)
Central Java Regional Offices, consisting of: 12 Kantor Selain Kantor Cabang | Non-Branch Offices


.01 .02 .03 .04
Pasar yang Dilayani [GRI 102-6]

Markets Served [GRI 102-6]
Dalam menjalankan usaha, Perseroan telah In running the business, the Company has established
menetapkan sektor pembiayaan konsumen dengan customer financing sector with the target customer
target konsumen adalah masyarakat kelas menengah from lower middle class.
ke bawah.
Skala Perusahaan [OJK C.3]

Company Scale [OJK C.3]
Deskripsi
2021 2020 2019
Description
Jumlah Karyawan - (Orang)

2.416 2.599 3.228
Total Employee - (People)
Jumlah Pendapatan - (dalam juta

Rupiah) 1.570.983 2.000.850 2.643.687
Total Income - (in Rp million)
Total - Kapitalisasi:
Total - Capitalization:
Total Aset - (dalam juta Rupiah)

5.151.084 5.283.702 8.271.170
Total Assets - (in Rp million)
Total Liabilitas - (dalam juta Rupiah)

3.817.437 4.070.357 6.900.593
Total Liabilities - (in Rp million)
Total Ekuitas - (dalam juta Rupiah)

1.333.647 1.213.345 1.370.577
Total Equity - (in Rp million)
Laba Tahun Berjalan - (dalam juta

Rupiah) 110.610 57.378 259.671
Income for the Year - (in Rp million)
Jumlah Produk Pembiayaan
11 10 4
Total Funding Products

.05 .06 .07
Deskripsi
2021 2020 2019
Description
Wilayah Operasioal
Total Operations
Kantor Layanan
166 175 186
Service Office
Kantor Cabang
123* 119 120
Branch Offices

43 56 66
Non-Branch Offices
• PT Bank Maybank • PT Bank Maybank • PT Bank Maybank

Presentase kepemilikan saham
Indonesia Tbk (67,49%) Indonesia Tbk (68,55%) Indonesia Tbk (68,55%)
[GRI 102-5]-(%)
• PT Wahana Makmur Sejati • PT Wahana Makmur Sejati • PT Wahana Makmur Sejati
Share Ownership Percentage
(25,01%) (25,01%) (23,94%)
[GRI 102-5]-(%)
• Masyarakat (7,50%) • Masyarakat (6,44%) • Masyarakat (7,51%)
* Dari jumlah Kantor Cabang per posisi 31 Desember 2021, terdapat 102 Kantor Cabang yang juga memiliki izin sebagai Kantor Cabang Unit Usaha Syariah dan dapat
melakukan kegiatan pembiayaan berdasarkan prinsip syariah.
* From the total Branch Offices as of December 31, 2021, there are 102 Branch Offices with permit as Sharia Business Unit Branch Offices and those can carry out financing
activities based on sharia principles.

.01 .02 .03 .04
Sumber Daya Manusia

[GRI 102-8] [POJK.C.3]
Human Resource [GRI 102-8] [POJK.C.3]
Karyawan merupakan elemen penting bagi Perseroan. Employee is a key element for the Company because they
Sebab, mereka adalah penggerak sekaligus garda depan are the driving force and as the frontline in providing
dalam pelayanan. Per 31 Desember 2021, Perseroan service. As of December 31, 2021, the Company has
memiliki 2.416 orang karyawan, berkurang 183 orang 2,416 employees, a decrease of 183 people 7.04%
atau 7,04% dibanding tahun 2020 dengan karyawan compared to 2,599 employees in 2020. The decline
sebanyak 2.599 orang. Penurunan terjadi karena adanya was due to centralization & increased productivity.
sentralisasi & peningkatan produktivitas. Komposisi The composition of the Company employees based
karyawan Perseroan berdasarkan jenis kelamin, status on demographic categories such as gender, status and
dan jenis kelamin, status dan wilayah kerja, kelompok gender, status and work area, age group, education
usia, jenjang pendidikan, level organisasi selengkapnya level and organizational level is presented in the
disajikan dalam tabel-tabel berikut: following tables:
Komposisi Karyawan Berdasarkan Status dan Jenis Kelamin Tahun 2019-2021

Employee Demographics Based on Status and Gender in 2019-2021
2021
Status
Kepegawaian
Wanita Pria
Employment Status % % Subtotal
Female Male
Karyawan Tetap
608 25,17% 1.661 68,75% 2.269
Permanent
Karyawan Kontrak
1 0,04% 4 0,16% 5
Contract
Probation 37 1,53% 105 4,35% 142
Jumlah
646 26,74% 1.770 73,26% 2.416
Total
2020
Status
Kepegawaian
Wanita Pria
Employment Status % % Subtotal
Female Male
Karyawan Tetap
595 22,90% 1.631 62,75% 2.226
Permanent
Karyawan Kontrak
97 3,73% 272 10,47% 369
Contract
Probation 0 0,00% 4 0,15% 4
Jumlah
692 26,63% 1.907 73,37% 2.599
Total

.05 .06 .07
2019
Status
Kepegawaian
Employment Status Wanita Pria
% % Subtotal
Female Male
Karyawan Tetap
752 23,30% 1.913 59,27% 2.665
Permanent
Karyawan Kontrak
178 5,51% 383 11,86% 561
Contract
Probation 0 0,00% 2 0,06% 2
Jumlah
930 28,81% 2.298 71,19% 3.228
Total
Komposisi Karyawan Berdasarkan Status dan Wilayah Kerja Tahun 2019-2021

Employee Demographics Based on Status and Work Area in 2019-2021
Status 2021
Kepegawaian
Employment Status KP % KD % Subtotal
Karyawan Tetap
1.038 42,96% 1.231 50,95% 2.269
Permanent
Karyawan Kontrak
5 0,21% 0 0,00% 5
Contract
Probation 81 3,35% 61 2,52% 142
Jumlah
1.124 46,52% 1.292 53,48% 2.416
Total
Status 2020
Kepegawaian
Karyawan Tetap
924 35,56% 1.302 50,10% 2.226
Permanent
Karyawan Kontrak
182 7,00% 187 7,20% 369
Contract
Probation 4 0,15% 0 0,00% 4
Jumlah
1.110 42,71% 1.489 57,29% 2.599
Total

.01 .02 .03 .04
Status 2019
Kepegawaian
Karyawan Tetap
690 21,38% 1.975 61,18% 2.665
Permanent
Karyawan Kontrak
201 6,23% 360 11,15% 561
Contract
Probation 2 0,06% 0 0% 2
Jumlah
893 27,66% 2.335 72,34% 3.228
Total
Komposisi Karyawan Berdasarkan Jenis Kelamin Tahun 2019-2021

Employee Demographics Based on Gender in 2019-2021
2021 2020 2019

Jenis Kelamin
Gender Jumlah Jumlah Jumlah
% % %
Total Total Total
Pria
1.770 73,26% 1.907 73,37% 2.298 71,19%
Male
Wanita
646 26,74% 692 26,63% 930 28,81%
Female
Jumlah
2.416 100,00% 2.599 100,00% 3.228 100,00%
Total
Komposisi Karyawan Berdasarkan Usia dan Jenis Kelamin Tahun 2019-2021

Employee Demographics Based on Age and Gender in 2019-2021
2021
Usia
Age Wanita Pria
% % Subtotal
Female Male
s/d 24 tahun
68 2,81% 79 3,27% 147
up to 24 years old
25 s/d 34 tahun
327 13,53% 708 29,30% 1.035
35 s/d 49 tahun
240 9,93% 878 36,34% 1.118
>=50 tahun
11 0,46% 105 4,35% 116
>=50 years old
Jumlah
646 26,74% 1.770 73,26% 2.416
Total

.05 .06 .07
2020
Usia
Age Wanita Pria
% % Subtotal
Female Male
s/d 24 tahun
55 2,12% 61 2,35% 116
up to 24 years old
25 s/d 34 tahun
366 14,08% 704 27,09% 1.070
35 s/d 49 tahun
260 10,01% 1.024 39,40% 1.284
>=50 tahun
11 0,42% 118 4,53% 129
>=50 years old
Jumlah
692 26,63% 1.907 73,37% 2.599
Total
2019
Usia
Age Wanita Pria
% % Subtotal
Female Male
s/d 24 tahun
159 4,93% 173 5,36% 332
up to 24 years old
25 s/d 34 tahun
464 14,37% 829 25,68% 1.293
35 s/d 49 tahun
299 9,26% 1.203 37,27% 1.502
>=50 tahun
8 0,25% 93 2,88% 101
>=50 years old
Jumlah
930 28,81% 2.298 71,19% 3.228
Total
Komposisi Karyawan Berdasarkan Jenjang Pendidikan dan Jenis Kelamin Tahun 2019-2021
Employee Demographics Based on Education Level and Gender in 2019-2021
2021
Pendidikan
Education Wanita Pria
% % Subtotal
Female Male
Pasca Sarjana
8 0,33% 12 0,50% 20
Master’s Degree
Sarjana
519 21,48% 1.143 47,31% 1.662
Bachelor’s Degree
Sarjana Muda
94 3,89% 195 8,07% 289
Associate Degree
SLTP, SLTA dan
Lainnya
Junior High School, 25 1,03% 420 17,38% 445
Senior High School
and Others
Jumlah
646 26,74% 1.770 73,26% 2.416
Total

.01 .02 .03 .04
2020
Pendidikan
% % Subtotal
Female Male
Pasca Sarjana
10 0,38% 16 0,62% 26
Master’s Degree
Sarjana
540 20,78% 1,173 45,13% 1.713
Bachelor’s Degree
Sarjana Muda
120 4,62% 228 8,77% 348
Associate Degree
SLTA, SLTP dan
Lainnya
Senior High School, 22 0,85% 490 18,85% 512
Junior High School
and Others
Jumlah
692 26,63% 1,907 73,37% 2.599
Total
2019
Pendidikan
% % Subtotal
Female Male
Pasca Sarjana
11 0,34% 22 0,69% 33
Master’s Degree
Sarjana
712 22,06% 1.397 43,28% 2.109
Bachelor’s Degree
Sarjana Muda
174 5,39% 287 8,89% 461
Associate Degree
SLTP, SLTA dan
Lainnya
Junior High School, 33 1,02% 592 18,34% 625
Senior High School
and Others
Jumlah
930 28,81% 2.298 71,19% 3.228
Total

.05 .06 .07
Komposisi Karyawan Berdasarkan Level Organisasi dan Jenis Kelamin Tahun 2019-2021
Employee Demographics Based on Organization Level and Gender in 2019-2021
2021
Jabatan
Position Wanita Pria
% % Subtotal
Female Male
General Manajer
5 0,21% 39 1,64% 44
General Manager
Manajer
50 2,07% 229 9,45% 279
Manager
Supervisor 395 16,35% 1.093 45,24% 1.488
Staf
196 8,11% 409 16,93% 605
Staff
Jumlah
646 26,74% 1.770 73,26% 2.416
Total
2020
Jabatan
% % Subtotal
Female Male
General Manajer
5 0,19% 34 1,31% 39
General Manager
Manajer
38 1,46% 239 9,20% 277
Manager
Supervisor 390 15,01% 1.140 43,85% 1.530
Staf
259 9,97% 494 19,01% 753
Staff
Jumlah
692 26,63% 1.907 73,37% 2.599
Total
2019
Jabatan
% % Subtotal
Female Male
General Manajer
6 0,19% 34 1,05% 40
General Manager
Manajer
38 1,18% 242 7,50% 280
Manager
Supervisor 531 16,45% 1.401 43,40% 1.932
Staf
355 11,00% 621 19,24% 976
Staff
Jumlah
930 28,81% 2. 298 71,19% 3.228
Total
KP: Kantor Pusat | Head Office

(Kantor Regional/BU, Gudang & Khasanah - sesuai mapping SIPP OJK) | (Regional Office/BU, Warehouse & Treasure - according to OJK SIPP mapping)
KD: Kantor di Daerah | Regional Office

(Kantor Layanan, Kantor Cabang, Kantor Selain Kantor Cabang) | (Service Office, Branch Office, Non-Branch Office)

.01 .02 .03 .04
Rantai Pasokan [GRI 102-9]

Supply Chain [GRI 102-9]
Dalam menjalankan usaha, Perseroan bekerja sama In running its business, the Company has collaborated
dengan berbagai pemasok/vendor barang dan jasa. with various suppliers/vendors of goods and services.
Perseroan menerapkan kebijakan pemilihan pemasok The Company implements its policy of determining
berdasarkan pada mekanisme procurement yang suppliers based on an procurement mechanism that is
ditinjau secara berkala. reviewed on a regular basis.
Dalam menjalin kerja sama dengan pemasok, Perseroan The Company is committed to collaborating with local
berupaya untuk menggandeng pemasok lokal, yakni suppliers who run businesses in the same province
pemasok yang menjalankan usaha dan berdomisili satu and area as the Company’s operational offices. If local
provinsi dengan kantor operasional. Apabila pemasok suppliers cannot fulfill the demand for goods and
lokal tidak bisa memenuhi barang dan jasa yang services needed, the Company will cooperate with
dibutuhkan, Perseroan akan menggandeng pemasok national suppliers who run their business outside the
nasional, yaitu pemasok yang menjalankan usaha dan Company’s operational/cross-provincial offices.
berdomisili di luar kantor operasional/lintas provinsi.
Berdasarkan kriteria tersebut di atas, selama tahun Based on the aforementioned criteria, during 2021,
2021, jumlah pemasok barang dan jasa yang bekerja the total suppliers of goods and services collaborating
sama dengan Perseroan beserta nilai kontraknya with the Company alongside their contract values are
adalah sebagai berikut: as follows:
Jumlah Pemasok Barang

Total Number of Goods Suppliers
Jumlah Pemasok Barang Nilai Kontrak Pekerjaan

Total Number Goods Suppliers Contract Value
Keterangan
Description 2021 2020 2019
Dalam Juta Dalam Juta Dalam Juta
2021 2020 2019
Rupiah Rupiah Rupiah
In Rp Million In Rp Million In Rp Million
Lokal
114 62 143 4.498 857 5.298
Local
Nasional (lintas provinsi,
termasuk Jakarta)
54 43 56 23.270 12.430 25.519
National (inter-provincial,
including Jakarta)
Asing (Internasional)
- - - - - -
Foreign (International)
Jumlah
145 105 199 27.768 13.287 30.818
Total

.05 .06 .07
Jumlah Pemasok Jasa

Total Number of Service Suppliers
Jumlah Pemasok Jasa Nilai Kontrak Pekerjaan

Total Number of Services Suppliers Contract Value
Keterangan
Description 2021 2020 2019
Dalam Juta Dalam Juta Dalam Juta
2021 2020 2019
Rupiah Rupiah Rupiah
In Rp Million In Rp Million In Rp Million
Lokal
87 72 117 9.749 5.398 11.638
Local
Nasional (lintas provinsi,
termasuk Jakarta)
40 36 46 26.111 19.698 26.944
National (inter-provincial,
including Jakarta)
Asing (Internasional)
- - - - - -
Foreign (International)
Jumlah
109 108 223 35.860 25.097 38.583
Total
Sumber data jumlah pemasok barang dan jasa yang The data source on the total suppliers of goods and
dilampirkan dalam tabel hanya berasal dari logbook services attached to the table only comes from the
manual internal procurement. Selain itu, sesuai dengan internal procurement manual logbook. In addition, in
Surat Kebijakan 043/SK/OPP/04-21 tentang Ketentuan accordance with Policy 043/SK/OPP/04-21 concerning
Vendor Management dan Pengadaan Barang & Jasa versi Provisions for Vendor Management and Procurement
02 terdapat poin yang menyatakan bahwa pembelian of Goods & Services version 02, there is a point with
low value asset dibawah nilai Rp1 juta dapat dilakukan statement that the purchase of low value assets
langsung oleh Cabang/ Kantor Business Unit tanpa under Rp1 million can be made directly by the Branch/
melalui proses negosiasi di Departemen Procurement. Business Unit Office without negotiation in the
Procurement Department.

.01 .02 .03 .04
Perubahan Signifikan pada Organisasi dan

Rantai Pasokan[GRI 102-10][POJK C.6]
A Significant Change in Organization and Supply Chain [GRI 102-10] [POJK C.6]
Pada tahun pelaporan terdapat perubahan signifikan During the reporting year, there was a significant
berkaitan dengan operasional Perseroan, antara change in the Company’s operational activities namely,
lain, berkurangnya jumlah total kantor layanan dari a decrease in its total of service offices. In 2020, the
175 pada tahun 2020 menjadi 166 pada tahun 2021. Company operated 175 service offices, which decreased
Penurunan terjadi karena jumlah Kantor Selain Kantor to 166 offices in 2021. The decrease was due to the
Cabang berkurang dari 56 kantor pada tahun 2020 decline of total Non-Branch Offices from 56 offices in
menjadi 43 kantor pada tahun 2021, sedangkan Kantor 2020 to 43 offices in 2021, while the total of Branch
Cabang bertambah dari 119 kantor pada tahun 2020 Offices increased from 119 offices in 2020 to 121 offices
menjadi 123 kantor pada tahun 2021. Pengurangan in 2021. The decrease occurred due to the Covid-19
terjadi karena adanya kondisi pandemi Corona Virus pandemic in 2020-2021, resulting in reduced business
Disease 2019 (Covid-19) pada tahun 2020-2021 yang potential at several non branch office points. Based on
mengakibatkan potensi bisnis di beberapa titik kantor these conditions, the Company reviewed the continuity
selain kantor cabang berkurang. Atas kondisi tersebut, of the non branch offices.
Perseroan melakukan review terhadap kelangsungan
kantor selain kantor cabang tersebut.
PENGEMBANGAN DAN/ATAU PERUBAHAN JARINGAN DEVELOPMENT AND/OR CHANGE OF OFFICE NETWORK

KANTOR PADA TAHUN 2021 IN 2021
Pada setiap tahun, Perseroan menyusun rencana bisnis Annually, the Company prepares an annual business
tahunan paling lambat pada tanggal 30 November plan no later than November 30 before the business
sebelum tahun rencana bisnis dimulai. Pada rencana plan year begins. The Company’s annual business
bisnis tahunan Perseroan tahun 2021 memuat antara lain plan for 2021 contains, among others, plans for the
rencana pengembangan dan/atau perubahan jaringan development and/or changes to the office network that
kantor yang akan dilakukan Perseroan pada tahun 2021. the Company will undertake in 2021.
Sebagai bentuk realisasi rencana bisnis tahunan Perseroan As the form of Company's annual business plan
tahun 2021, aktivitas yang dilakukan Perseroan untuk 2021 realization, the Company’s activities for the
pengembangan dan/atau perubahan jaringan kantor per development and/or change of the office network as of
31 Desember 2021 yaitu sebagai berikut: December 31, 2021 are as follows:
1. Pembukaan Kantor Cabang: 1. Opening of Branch Offices:

a. Kantor Cabang Karo; a. Karo Branch Office;
b. Kantor Cabang Pekanbaru 2. b. Pekanbaru 2 Branch Office.
2. Peningkatan Kantor Selain Kantor Cabang menjadi 2. Upgrade of Non-Branch Offices to Branch Offices:
Kantor Cabang:
a. Kantor Cabang Ngawi; a. Ngawi Branch Office;
b. Kantor Cabang Magetan; b. Magetan Branch Office;
c. Kantor Cabang Semarang 2; c. Semarang 2 Branch Office;
d. Kantor Cabang Tangerang Selatan 2; d. South Tangerang 2 Branch Office;
e. Kantor Cabang Tangerang 4; e. Tangerang 4 Branch Office;
f. Kantor Cabang Tangerang 2; f. Tangerang 2 Branch Office;
g. Kantor Cabang Kendal; g. Kendal Branch Office;
h. Kantor Cabang Pangkep; h. Pangkep Branch Office;
i. Kantor Cabang Tangerang 3. i. Tangerang 3 Branch Office.

.05 .06 .07
Selain aktivitas-aktivitas di atas, Perseroan juga In addition to those activities, the Company carries
melakukan aktivitas-aktivitas lain yang menyebabkan out other activities that lead to changes in the office
adanya perubahan jaringan kantor, yaitu network, which are as follows:
sebagai berikut:
1. Penutupan Kantor Cabang*) 1. Closing of Branch Offices*)
a. Kantor Cabang Subang; a. Subang Branch Office;
b. Kantor Cabang Padang Sidempuan; b. Padang Sidempuan Branch Office;
c. Kantor Cabang Jember; c. Jember Branch Office;
d. Kantor Cabang Labuan; d. Labuan Branch Office;
e. Kantor Cabang Arga Makmur; e. Arga Makmur Branch Office;
f. Kantor Cabang Rangkasbitung; f. Rangkasbitung Branch Office;
g. Kantor Cabang Perawang. g. Perawang Branch Office.
*) Termasuk penutupan sebagai Kantor Cabang Unit Usaha Syariah. *) Including closure as a Branch Office of the Sharia Business Unit.
2. Pembukaan Kantor Selain Kantor Cabang: 2. Opening of Non-Branch Offices:

a. Kantor Penagihan Rangkasbitung; a. Rangkasbitung Billing Office;
b. Kantor Penagihan Argamakmur. b. Argamakmur Billing Office.
3. Penutupan Kantor Selain Kantor Cabang: 3. Closure of Non-Branch Offices:

a. Kapos Ambarawa; a. Kapos Ambarawa;
b. Kapos Cepu; b. Kapos Cepu;
c. Kapos Cawas; c. Kapos Cawas;
d. Kapos Limpung; d. Kapos Limpung;
e. Kapos Gunung Putri; e. Kapos Gunung Putri;
f. Kapos Tembung. f. Kapos Tembung.
Sementara itu, pada rantai pasokan, terjadi perubahan Meanwhile, the Company’s supply chain experienced a
dengan bertambahnya jumlah pemasok barang, change as total goods suppliers increased, from 105 in
yaitu dari 105 pemasok pada tahun 2020 menjadi 2020 to be 145 suppliers in 2021. This change was in
145 pemasok pada tahun 2021. Perubahan itu diikuti line with an increase in total contract value, which was
dengan bertambahnya nilai kontrak, yaitu dari Rp13,28 recorded at Rp13.28 billion in 2020 to Rp27.76 billion
miliar pada tahun 2020 menjadi Rp27,76 miliar pada in 2021.
tahun 2021 .

.01 .02 .03 .04
Pendekatan atau Prinsip Pencegahan

[GRI 102-11]
Preventative Approach or Principle [GRI 102-11]
Perseroan menerapkan pendekatan atau prinsip The Company uses a preventative approach or principle
pencegahan melalui manajemen risiko yang disusun through a method of risk management that is based
berdasarkan prinsip kehati-hatian di seluruh kegiatan on precautionary principles in all of the Company’s
operasional Perseroan. Pengelolaan risiko menerapkan operational activities. Risk management makes use of
prinsip "three line of defense" untuk memperkuat the principle of “three lines of defense” to strengthen
sistem pengendalian risiko secara menyeluruh dan the Company’s risk control system in a way that is
andal. Uraian selengkapnya tentang Pendekatan comprehensive and reliable. A complete description
atau Prinsip Pencegahan disampakan pada Sub Bab of this Preventative Approach or Principle is presented
Manajemen Risiko pada Bab Tata Kelola Perusahaan in the Risk Management Sub-Chapter in the Corporate
laporan ini. Governance Chapter of this report.
Inisiatif Eksternal [GRI 102-12]

External Initiatives [GRI 102-12]
Dalam menjalankan bisnis dan proses pelaporan In carrying out its business and sustainability
kinerja keberlanjutan, Perseroan mengikuti performance reporting process, the Company
dan mendukung beberapa prinsip dan inisiatif has contentiously followed and supported
yang dikembangkan oleh organisasi lain berupa several principles and initiatives developed
penghargaan untuk bidang-bidang tertentu. by other organizations for certain fields. The
Perseroan telah mendapatkan berbagai pengakuan Company has received various recognitions
dan apresiasi dari pihak luar berupa penghargaan. and appreciation from outside parties in the form
of awards.

.05 .06 .07
Penghargaan
Awards
Sepanjang tahun 2021, Perseroan mendapat apresiasi Throughout 2021, the Company obtained appreciation
dari berbagai pihak berupa penghargaan sebagai from various parties through awards as follows:
berikut:
1. Indonesia Good Governance Awards - VI - 2021, 1. Indonesia Good Governance Awards - VI - 2021,
Kategori : 2nd The Best - Indonesia GCG Awards Category : 2nd The Best - Indonesia GCG Awards
- VI - 2021 - Public Company - Multifinance Asset - VI - 2021 - Public Company - Rp5T - Rp10T
Rp5T - Rp10T. Multifinance Asset.
2. Iconomics Multifinance Awards 2021, Kategori: 2. Iconomics Multifinance Awards 2021, Category:
Best Performing Multifinance - Aset Rp5 Triliun - Best Performing Multifinance - Rp5 Trillion - Rp10
Rp10 Triliun. Trillion Assets.
3. Indonesia Digital Innovation Awards 2021, Kategori: 3. Indonesia Digital Innovation Awards 2021, Category:
The Most Innovative Company for The Digital The Most Innovative Company for The Digital
Installment Payment Systems - Financial Services. Installment Payment Systems - Financial Services.
4. Indonesia Enterprise Risk Management Award – IV 4. Indonesia Enterprise Risk Management Award – IV
- 2021, Kategori : 2nd The Best Indonesia Enterprises - 2021, Category : 2nd The Best Indonesia Enterprises
Risk Management – IV 2021 - Multifinance Asset Risk Management – IV 2021 - Multifinance Asset
< Rp10T. < Rp10T.
5. TOP CSR Awards 2021, Kategori : 5. TOP CSR Awards 2021, Category :
• TOP CSR Awards 2021 #star4 • TOP CSR Awards 2021 #star4
• Djaja Suryanto Sutandar - Top Leader on CSR • Djaja Suryanto Sutandar - Top Leader on CSR
Commitment 2021. Commitment 2021.
6. 2nd Teropong CSR Award 2021, Kategori: 6. 2nd Teropong CSR Award 2021, Category:
Peduli Covid-19 dan Peduli Sosial. Care for Covid-19 and Care for Social.
7. Indonesia Corporate Secretary and Corporate 7. Indonesia Corporate Secretary and Corporate
Communication Award - VI - 2021, Kategori: Communication Award - VI - 2021, Category:
2nd The Best Informative Website - Multifinance - 2nd The Best Informative Website - Multifinance -
Public Company. Public Company.
8. Indonesia CSR Award 2021, Kategori: 8. Indonesia CSR Award 2021, Category:
Indonesia Best CSR Award with Outstanding Indonesia Best CSR Award with Outstanding
Program in Local Community Disaster Relief - Sector: Program in Local Community Disaster Relief - Sector:
Finance - Subsector : Multifinance. Finance - Subsector : Multifinance.
9. Indonesia Best CEO Awards Employee’s Choice 2021, 9. Indonesia Best CEO Awards Employee’s Choice 2021,
Djaja Suryanto Sutandar - Best CEO in Multifinance, Djaja Suryanto Sutandar - Best CEO in Multifinance,
Under Rp10 trillion Category. Under Rp10 trillion Category.
10. Teropong Public Relation Award 2021, Kategori: 10. Teropong Public Relations Award 2021, Category:
Best Digital Innovation. Best Digital Innovation.
11. Indonesia Financial Top Leader Awards 2021, 11. Indonesia Financial Top Leader Awards 2021, Category
Kategori : Best Leader for Business Resilience : Best Leader for Business Resilience Through Business
Through Business Inovation - Effectiveness of Digital Inovation - Effectiveness of Digital Acceleration, 5T -
Acceleration, Kategori Multifinance Asset 5T - 10T. Rp10T Multifinance Assets Category.
12. Indonesia Best Multifinance Awards 2021, Kategori: 12. Indonesia Best Multifinance Awards 2021, Category:
Best Multifinance 2021 with Outstanding Financial Best Multifinance 2021 with Outstanding Financial
Performance and Vehicle Financing Credit Performance and Vehicle Financing Credit
Development - Total Assets 1-5 Trillion. Development - Total Assets of 1-5 Trillion.
13. TOP GRC Awards 2021 : 13. TOP GRC Awards 2021 :
• TOP GRC Awards 2021 #stars 4 • TOP GRC Awards 2021 #stars 4
• Djaja Suryanto Sutandar - The Most Committed • Djaja Suryanto Sutandar - The Most Committed
GRC Leader 2021 GRC Leader 2021

.01 .02 .03 .04
• Zacharia Susantadiredja - The High Performing • Zacharia Susantadiredja - The High Performing
Corporate Secretary on GRC 2021. Corporate Secretary on GRC 2021
14. Stellar Workplace Award 2021, Kategori: 14. Stellar Workplace Award 2021, Category:
Stellar Workplace Recognition in Employee Stellar Workplace Recognition in Employee
Commitment and Satisfaction. Commitment and Satisfaction.
15. Indonesia Finance Award-IV-2021, Kategori: 15. Indonesia Finance Award-IV-2021, Category:
Score A - Platinum (Very Excellent) Indonesia Finance Score A - Platinum (Very Excellent) Indonesia Finance
Award - IV - 2021 - Public Multifinance Company. Award - IV - 2021 - Public Multifinance Company.
16. TOP Digital Awards 2021 : 16. TOP Digital Awards 2021 :
• TOP Digital Awards 2021 #level 4 stars • TOP Digital Awards 2021 #level 4 stars
• Djaja Suryanto Sutandar - Top Leader on Digital • Djaja Suryanto Sutandar - Top Leader on Digital
Implementation 2021. Implementation 2021.
17. Indonesia Leaders Award-II-2021, Kategori: 17. Indonesia Leaders Award-II-2021, Category:
The Best Indonesia Leaders – 2021 - Category The Best Indonesia Leaders – 2021 - Category
Director – Public Company – Multifinance. Director – Public Company – Multifinance.
1 2
4 5 5

.05 .06 .07
6 6 7
8 9
10
11 12
13

.01 .02 .03 .04
14
13 13
16
15
16
17

.05 .06 .07
Keanggotaan pada Asosiasi

[GRI 102-13][POJK C.5]
Membership in Different Associations [GRI 102-13][POJK C.5]
Perseroan bergabung dengan sejumlah asosiasi The Company has joined a number of associates that
yang relevan dengan bidang usaha yang dijalankan are relevant to the Company’s line of business as a
Perseroan sehingga dapat mengikuti perkembangan way to stay informed about the development of the
isu atau topik-topik terkini, sekaligus berkesempatan latest issues or topics. It also gives us the opportunity
untuk menyampaikan berbagai pendapat terkait isu to express various opinions regarding these issues or
atau topik tersebut. Asosiasi yang diikuti Perseroan topics. The following table lists the various associations
selama tahun 2021 adalah sebagai berikut: that the Company participated with in 2021:
Dalam juta rupiah | In Rp million
Cakupan Iuran
Status
Asosiasi (Lokal, Contributions
(Penggurus/
Nasional,
Nama Asosiasi Anggota)
Internasional)
Associate Status
Associate Scope
(Managers/ 2021 2020 2019
(Local, National,
Members)
International)
ICSA (Indonesian Corporate Secretary Nasional Anggota

4,00 4,00 4,00
Association) National Member
APPI (Asosiasi Perusahaan Pembiayaan
Indonesia) Nasional Anggota
67,10 68,86
(Association of Indonesian Financing National Member -
Companies)
BMPPVI (Badan Mediasi Pembiayaan
Pergadaian Ventura Indonesia) Nasional Anggota -
10,00 10,00
(Indonesian Venture Pawnshop Financing National Member
Mediation Agency)
APINDO (Asosiasi Pengusaha Indonesia) Nasional Anggota
30,00 30,00 30,00
(Association of Indonesian Enterpreneurs) National Member
AEI (Asosiasi Emiten Indonesia) Nasional Anggota
6,00 6,00 6,00
(Association of Indonesian Issuers) National Member
LAPS SJK (Lembaga Alternatif
Penyelesaian Sengketa Sektor
Nasional Anggota
Jasa Keuangan) 11,00 - -
National Member
(Alternative Institution for Dispute
Resolution at Financial Services)
Nasional Anggota
RAPINDO (PT Rapi Utama Indonesia) 50,00 - -
National Member
DSN - MUI (Dewan Syariah Nasional -
Majelis Ulama Indonesia) Nasional Anggota
18,00 - -
National Sharia Council (DSN) - Indonesian National Member
Ulema Council

.01 .02 .03 .04
TATA KELOLA BERKELANJUTAN

Sustainability Governance
Perseroan meyakini penerapan GCG yang tepat akan mewujudkan keseimbangan

dalam pengendalian perusahaan sehingga menekan peluang terjadinya fraud serta
meminimalkan risiko terjadinya kesalahan pengelolaan perusahaan
The Company believes that an appropriate GCG implementation will establish a balance in the company's control
so as to reduce the opportunities for fraud and minimize the risk of the company’s mismanagement
Komitmen Penerapan GCG

Commitment of Governance Implementation
Tata Kelola Perusahaan yang Baik yang selanjutnya Good Corporate Governance hereinafter referred
disebut Good Corporate Governance (GCG) adalah to as GCG is the principles that underlie a process
prinsip-prinsip yang mendasari suatu proses dan and mechanism for managing a company based
mekanisme pengelolaan Perseroan berlandaskan on laws and regulations and business ethics. As a
peraturan perundang-undangan dan etika berusaha. responsible corporation, the Company is committed to
Sebagai korporasi yang bertanggungjawab, Perseroan implementing GCG. The implementation of GCG aims
berkomitmen untuk menerapkan GCG. Penerapan not only to comply with the provisions of the authorities
tersebut dilakukan tidak sekedar memenuhi ketentuan or applicable laws and regulations, but also to specify
otoritas atau peraturan perundang-undangan yang that good governance leads to improving performance
berlaku, akan tetapi lebih didorong oleh kesadaran and sustainable competitive advantage.
bahwa tata kelola yang baik merupakan kunci penting
untuk meningkatkan kinerja dan keunggulan daya
saing berkelanjutan.
Perseroan meyakini bahwa penerapan GCG akan dapat The Company believes that the implementation of
mewujudkan keseimbangan dalam pengendalian GCG will pave the way for the Company to have a
Perseroan sehingga menekan peluang terjadinya balance control to minimize the possibility for fraud
kecurangan (fraud) serta meminimalkan risiko and the risk of mismanagement of the company. In
terjadinya kesalahan pengelolaan Perseroan. Selain addition, with the proper implementation of GCG in
itu, dengan penerapan GCG yang tepat sesuai dengan accordance with applicable regulations and existing
regulasi yang berlaku serta best practice yang ada, best practices, the Company is optimistic that it will
maka Perseroan optimistis akan mampu menjawab be able to tackle challenges and meet demands of
tantangan dan tuntutan dari pemangku kepentingan. stakeholders. Moreover, with the implementation of
Lebih dari itu, dengan penerapan GCG, Perseroan juga GCG, the Company will also be able to survive, grow
akan mampu bertahan, bahkan semakin berkembang and be sustainable in the future.
dan berkelanjutan pada masa-masa mendatang.

.05 .06 .07
Prinsip-Prinsip Tata Kelola Perusahaan

Good Corporate Governance Principle
Bercermin pada pentingnya GCG, maka Perseroan As one of the most elementary features, the Company
memastikan bahwa prinsip-prinsip GCG diterapkan ensures that GCG principles are applied to every aspect
pada setiap aspek bisnis dan di semua jajaran Perseroan. of the business and at all levels of the company. The
Prinsip-prinsip GCG tersebut antara lain, keterbukaan, GCG principles include transparency, accountability,
akuntabilitas, pertanggungjawaban, kemandirian serta responsibility, independency and fairness. Those are
kesetaraan dan kewajaran diperlukan untuk mencapai needed to achieve the company’s business sustainability
kesinambungan usaha (sustainability) perusahaan by paying attention to stakeholders’ interests.
dengan memperhatikan pemangku kepentingan
(stakeholders).
Prinsip-prinsip GCG, sebagaimana dimuat dalam The principles of GCG, as stipulated in POJK Number
POJK Nomor 30/POJK.05/2014 dan perubahannya 30/POJK.05/2014 and its amendments as regulated in
sebagaimana diatur pada POJK Nomor 29/POJK.05/2020 POJK Number 29/POJK.05/2020 and their explanations,
dan penjelasannya, adalah sebagai berikut: are as follows:
a. Keterbukaan (transparency), yaitu keterbukaan a. Transparency, transparency in the decision making
dalam proses pengambilan keputusan dan process and in the disclosure and provision of
keterbukaan dalam pengungkapan dan penyediaan relevant information about the company, which is
informasi yang relevan mengenai perusahaan, yang easily accessible to stakeholders in accordance with
mudah diakses oleh pemangku kepentingan sesuai the laws and regulations in the financing sector as
dengan peraturan perundang-undangan di bidang well as standards, principles and practices for the
pembiayaan serta standar, prinsip dan praktik implementation of a sound financing business;
penyelenggaraan usaha pembiayaan yang sehat;
b. Akuntabilitas (accountability), yaitu kejelasan b. Accountability, the clear functions and
fungsi dan pelaksanaan pertanggungjawaban implementation of the responsibilities of
organ perusahaan sehingga kinerja perusahaan the company’s Organs so that the company’s
dapat berjalan secara transparan, wajar, efektif performance can run in a transparent, fair, effective
dan efisien; and efficient manner;
c. Pertanggungjawaban (responsibility), yaitu c. Responsibility, the conformity of the company’s
kesesuaian pengelolaan perusahaan dengan management with the laws and regulations in
peraturan perundang-undangan di bidang the field of financing and ethical values as well
pembiayaan dan nilai-nilai etika serta standar, as standards, principles and practices for the
prinsip dan praktik penyelenggaraan usaha implementation of a sound financing business;
pembiayaan yang sehat;
d. Kemandirian (independency), yaitu keadaan d. Independency, manage the company’s condition
perusahaan yang dikelola secara mandiri dan independently and professionally and avoid the
profesional serta bebas dari benturan kepentingan company from conflict of interest and influence or
dan pengaruh atau tekanan dari pihak manapun pressure from any party that is not in accordance
yang tidak sesuai dengan peraturan perundang- with the laws and regulations in the financing sector
undangan di bidang pembiayaan dan nilai-nilai etika and ethical values as well as standards, principles
serta standar, prinsip dan praktik penyelenggaraan and sound financing business; and
usaha pembiayaan yang sehat; dan
e. Kesetaraan dan kewajaran (fairness), yaitu e. Fairness, it includes equality, balance and justice
kesetaraan, keseimbangan dan keadilan di dalam in fulfilling the rights of stakeholders based on
memenuhi hak-hak pemangku kepentingan agreements, laws and regulations and ethical values
yang timbul berdasarkan perjanjian, peraturan as well as standards, principles and practices for the
perundang-undangan dan nilai-nilai etika serta implementation of a sound financing business.
standar, prinsip dan praktik penyelenggaraan
usaha pembiayaan yang sehat.

.01 .02 .03 .04
Asesmen GCG
GCG Assessment
Perseroan meyakini bahwa implementasi GCG sangat The Company believes that the implementation of
berpengaruh terhadap kinerja dan performa Perseroan. GCG is very influential on the Company performance.
Sebab itu, Perseroan melakukan asesmen atau penilaian Therefore, the Company conducts periodic
penerapan GCG secara berkala. Selain mendapatkan assessments on the implementation of GCG. To obtain
informasi konkret tentang penerapan di lapangan comprehensive information about the implementation
selama periode laporan yang dinilai, rekomendasi during the assessed reporting period, the assessment
asesmen bisa menjadi sarana untuk memperbaiki dan recommendations can be a means to improve the
meningkatkan implementasi GCG yang dinilai masih implementation of GCG, which is subject to refinement.
perlu disempurnakan.
Untuk memastikan Perseroan telah menerapkan To ensure that the Company has implemented GCG
prinsip-prinsip dan praktik GCG, Perseroan melakukan principles and practices, the Company conducts periodic
pengukuran penilaian kualitas penerapan GCG secara assessments of the quality of GCG implementation,
berkala, yang dilakukan secara internal dan/atau oleh which are carried out internally and/or by external
pihak eksternal, yakni: parties, namely:
1. Penilaian Internal 1. Internal Assessment
Perseroan melakukan penilaian internal The Company conducts an internal assessment of
penerapan GCG untuk setiap tahun buku dengan the implementation of GCG for each fiscal year
menggunakan metode kertas kerja penilaian using the self-assessment working paper method.
sendiri (self assessment).
Pelaksanaan penilaian sendiri The self-assessment is carried out based on:
dilakukan berdasarkan:
- POJK Nomor 28/POJK.05/2020; - POJK Number 28/POJK.05/2020;
- POJK Nomor 30/POJK.05/2014 dan - POJK Number 30/POJK.05/2014 and its
perubahannya sebagaimana diatur pada POJK amendments as regulated in POJK Number 29/
Nomor 29/POJK.05/2020; POJK.05/2020;
- SEOJK Nomor 11/SEOJK.05/2020. - SEOJK Number 11/SEOJK.05/2020.
2. Penilaian penerapan GCG oleh pihak eksternal 2. GCG implementation assessment by external parties
Perseroan mengikuti penilaian penerapan GCG The Company participates in the assessment
dalam rangka keikutsertaannya dalam kegiatan of the implementation of GCG as it involves in
apresiasi/award sebagai berikut: appreciation/ award activities as follows:
a. TOP GRC Awards 2021 (Governance, Risk, & a. TOP GRC Awards 2021 (Governance, Risk, &
Compliance) Compliance)
i. Pihak Penyelenggara i. Organizer
Kegiatan ini diselenggarakan oleh Asosiasi This activity was organized by the Indonesian
GRC Indonesia, IRMAPA (Indonesia Risk GRC Association, IRMAPA (Indonesia Risk
Management Professional Association), Management Professional Association),
ICoPI (Institute Compliance Professional ICoPI (Institute Compliance Professional
Indonesia) dan PaGi (Perkumpulan Indonesia) and PaGi (Indonesian Government
Profesional Governansi Indonesia). Professional Association).
ii. Pihak yang Melakukan Penilaian ii. Assessor
Tim Penilai dan Dewan Juri TOP GRC Top GRC Awards 2021 Judges and Jury Team.
Awards 2021.
iii. Kriteria Penilaian iii. Assessment Criteria
Aspek penilaian meliputi antara lain Aspects of the assessment include systems,
sistem, infrastruktur, implementasi infrastructure, GCG implementation, risk
GCG, manajemen risiko dan manajemen management and compliance management
kepatuhan di Perseroan. in the Company.

.05 .06 .07
iv. Hasil Penilaian iv. Assessment Result

Perseroan berhasil meraih penghargaan The Company won the TOP GRC
TOP GRC Awards 2021 #4 Stars dengan Awards 2021 #4 Stars award with the
rincian sebagai berikut: following details:
Kategori : All Company Category : All Company
Nilai : 8.50 (dari total nilai 10) Score : 8.50 (out of 10)
Tingkat : Very Good Rating : Very Good
Penilaian : Asessment :
Sistem, infrastruktur, implementasi The system, infrastructure, implementation
tata kelola Perseroan yang baik (GCG), of good corporate governance (GCG),
manajemen risiko dan manajemen risk management and compliance
kepatuhan di Perseroan, berada di management in the Company are at a very
tingkat yang sangat baik, sehingga dapat good level, so that they can support the
mendukung peningkatan kinerja bisnis continuous improvement of the company’s
Perseroan yang berkelanjutan. business performance.
b. GCG Zoominars & Indonesia GCG Award VI b. GCG Zoominars & Indonesia GCG Award VI
2021 (IGCGA-VI-2021) 2021 (IGCGA-VI-2021)
i. Pihak Penyelenggara i. Organizer
Economic Review bersama dengan Indonesia Economic Review with Indonesia – Asia
– Asia Institute, PPPI dan Ideku Group. Institute, PPPI and Ideku Group.
ii. Pihak yang Melakukan Penilaian ii. Assessor
Tim Penilai dan Dewan Juri GCG Zoominars Assessor Team and Jury of GCG Zoominars
& Indonesia GCG Award VI 2021. & Indonesia GCG Award VI 2021.
iii. Kriteria Penilaian iii. Assessment Criteria
Penerapan prinsip-prinsip GCG. Implementation of GCG principles.
iv. Hasil Penilaian iv. Assessment Result
Perseroan berhasil meraih penghargaan The Company managed to obtain 2nd The
2nd The Best - Indonesia GCG Award - VI - Best - Indonesia GCG Award - VI - 2021 with
2021 dengan rincian sebagai berikut: the following details:
Kategori : Public Company – Asset Rp. 5T-10T Category : Public Company – Asset : Rp5T-10T
Nilai : 81.70 (dari total nilai 100) Score : 81.70 (dari total nilai 100)
Tingkat : Good Rating : Good
Penilaian : Assessment :
Perseroan dengan mengimplementasikan Through the implementation of good
tata kelola yang baik, dapat mendorong governance, the Company maintains
fokus untuk keberhasilan Perseroan dalam its focus on reaping successful business.
mencapai bisnis. Prinsip-prinsip GCG The established GCG principles include
yang ditetapkan mulai dari transparansi, transparency, accountability, responsibility
akuntabilitas, pertanggungjawaban (compliance), independency and fairness.
(kepatuhan), kemandirian dan kesetaraan dan The Company also socialize all GCG
mensosialisasikan seluruh prinsip GCG untuk principles to improve individual’s capability
peningkatan pada setiap insan Perseroan. at the Company.

.01 .02 .03 .04
Struktur, Mekanisme dan Pedoman

Tata Kelola [GRI 102-18]
Structure, Mechanism and Governance Guideline [GRI 102-18]
Undang-Undang Republik Indonesia Nomor 40 tahun The Law of the Republic of Indonesia Number 40 of
2007 tentang Perseroan Terbatas (UU PT) menyebutkan 2007 concerning Limited Liability Companies (UU
bahwa Organ Perseroan terdiri dari Rapat Umum PT) states that the Company’s organs consist of the
Pemegang Saham (RUPS), Dewan Komisaris dan Direksi. General Meeting of Shareholders (GMS), the Board
Sistem kepengurusan di Perseroan menganut sistem of Commissioners and the Board of Directors. The
dua badan (two tier system) yaitu Dewan Komisaris management system at the Company adheres to a two-
dan Direksi yang memiliki wewenang dan tanggung tier system, namely the Board of Commissioners and
jawab yang jelas sesuai fungsinya masing-masing the Board of Directors, which have clear authorities and
sebagaimana diamanatkan dalam Anggaran Dasar dan responsibilities according to their respective functions
peraturan perundang-undangan. as mandated in the Articles of Association and laws and
regulations.

(RUPS)
(GMS)
Dewan Komisaris Direksi Dewan Pengawas Syariah

Board of Commissioners Board of Directors Sharia Supervisory Board

Komite Audit Risk Management
Audit Committee Committee
Komite Produk dan

Komite Pemantau Risiko Pengembangan Kegiatan Usaha
Risk Oversight Syariah
Committee Product and Sharia Business
Development Committee
Komite Nominasi dan Komite Pengarah

Remunerasi Teknologi Informasi
Nomination and Information Technology
Remuneration Committee Steering Committee
Sekretaris Perusahaan Legal Counsel Division

Corporate Secretary Legal Counsel Division
Internal Audit
Division Risk Management
Legal Division
Counsel Division
Internal Audit Division Risk Management
Legal Division
Counsel Division

.05 .06 .07
Berdasarkan bagan di atas, Struktur Tata Kelola Based on the chart above, the Corporate Governance
Perseroan terdiri atas: Structure consists of:
1. Organ utama, yakni: RUPS, Dewan Komisaris, 1. Main organs, namely: GMS, Board of Commissioners,
Direksi dan Dewan Pengawas Syariah. Board of Directors and Sharia Supervisory Board.
2. Organ pendukung yaitu: 2. Supporting organs, namely:
a. Komite-Komite di bawah Dewan Komisaris a. Committees under the Board of Commissioners,
yaitu Komite Audit, Komite Pemantau Risiko, namely the Audit Committee, Risk
Komite Nominasi dan Remunerasi. Oversight Committe, the Nomination and
Remuneration Committee.
b. Komite-Komite di bawah Direksi yaitu Komite b. Committee under the Board of Directors
Manajemen Risiko, Komite Produk dan that is The Risk Management Committe,
Pengembangan Kegiatan Usaha Syariah serta Product and Sharia Business Development
Komite Pengarah Teknologi Informasi. Committee and The Information Technology
Steering Committe.
c. Sekretaris Perusahaan. c. Corporate Secretary.
d. Internal Audit Division, Legal Counsel Division d. Internal Audit Division, Legal Counsel Division
dan Risk Management Division. and Risk Management Division.

.01 .02 .03 .04

Rapat Umum Pemegang Saham, yang selanjutnya The General Meeting of Shareholders, hereinafter
disebut RUPS, telah diatur dalam Undang-Undang referred to as the GMS, has been regulated in the
Republik Indonesia Nomor 40 Tahun 2007 tentang Law of the Republic of Indonesia Number 40 of 2007
Perseroan Terbatas dan dalam Anggaran Dasar concerning Limited Liability Companies and in the
Perseroan. RUPS merupakan organ tertinggi dalam Company’s Articles of Association. The GMS is the
Struktur Tata Kelola Perseroan yang berfungsi highest organ in the Corporate Governance Structure
sebagai sarana bagi para pemegang saham untuk that serves as a means for shareholders to exercise their
melaksanakan hak dan kewajibannya. RUPS memiliki rights and obligations. The GMS has its own authority,
wewenang tersendiri, yang tidak diberikan kepada which is not given to the Board of Directors or the
Direksi maupun Dewan Komisaris, dalam batas yang Board of Commissioners, within the limits specified in
ditentukandalam undang-undang dan/atau Anggaran the law and/or the Company’s Articles of Association.
Dasar Perseroan.
Sesuai Undang-Undang Perseroan Terbatas dan In accordance with the Limited Liability Company Law
Anggaran Dasar, Perseroan wajib menyelenggarakan and the Articles of Association, the Company is required
1 kali RUPS Tahunan dan dapat sewaktu-waktu to hold 1 Annual GMS and may hold an Extraordinary
menyelenggarakan RUPS Luar Biasa sesuai dengan GMS at any time in accordance with the needs of
kebutuhan Perseroan. the Company.
Selama tahun 2021, Perseroan melaksanakan RUPS During 2021, the Company held 1 Annual GMS and
Tahunan sebanyak 1 kali dan RUPS Luar Biasa sebanyak 1 Extraordinary GMS. The complete information
1 kali. Informasi mengenai pelaksanaan RUPS regarding the implementation of the GMS is as follows:
selengkapnya adalah sebagai berikut:
Jenis RUPS Waktu dan Tempat

No
Type of GMS Date and Place
30 Maret 2021
Rapat Umum Pemegang Saham Tahunan Sentral Senayan III Jakarta
1
Annual General Meeting of Shareholders March 30, 2021
Sentral Senayan III Jakarta
30 Maret 2021
Rapat Umum Pemegang Saham Luar Biasa Sentral Senayan III Jakarta
2
Extraordinary General Meeting of Shareholders March 30, 2021
Sentral Senayan III Jakarta

.05 .06 .07
Dewan Komisaris
Dewan Komisaris adalah organ utama Perseroan The Board of Commissioners is the main organ of
yang bertanggung jawab dalam melakukan berbagai the Company that is responsible for carrying out
tugas mencakup: fungsi pengawasan terhadap various tasks, including: supervisory function on the
penyelenggaraan operasional Perseroan oleh Direksi; implementation of the Company’s operations by
pengarahan, pemantauan dan pelaksanaan kebijakan the Board of Directors; directing, monitoring and
strategis Perseroan; memastikan pelaksanaan seluruh implementation of the Company’s strategic policies;
keputusan RUPS serta pemberian arahan kepada Direksi. ensure the implementation of all GMS resolutions and
Dewan Komisaris juga bertugas untuk memastikan provide direction to the Board of Directors. The Board
bahwa Perseroan telah menerapkan prinsip-prinsip of Commissioners is also tasked with ensuring that the
GCG dengan mematuhi seluruh ketentuan peraturan Company has implemented GCG principles by complying
perundang-undangan yang berlaku, termasuk with all applicable laws regulations, including setting
menetapkan sasaran strategis Perseroan. the Company’s strategic objectives.
Anggota Direksi dan Dewan Komisaris Perseroan Members of the Board of Directors and Board of
menyampaikan laporan tahunan Perseroan kepada Commissioners of the Company submit the Company’s
RUPS sebagai bentuk pertanggungjawaban Direksi dan annual report to the GMS as a form of accountability
Dewan Komisaris dalam melakukan pengurusan dan for the Board of Directors and Board of Commissioners
pengawasan terhadap Perseroan dalam kurun waktu 1 in managing and supervising the Company within 1
tahun buku. fiscal year.
Anggota Dewan Komisaris diangkat oleh RUPS dan Members of the Board of Commissioners are appointed
harus lulus uji kemampuan dan kepatutan dari OJK. by the GMS and must pass the fit and proper test from the
Masa tugas Dewan Komisaris adalah tiga tahun dan OJK. The term of office of the Board of Commissioners
dapat diangkat kembali. Pelaksanaan tugas Dewan lasts for three years, which can be extended through
Komisaris dijalankan dengan berpedoman kepada reappointment. The implementation of the duties of
Piagam Dewan Komisaris, Anggaran Dasar, Undang- the Board of Commissioners is carried out by referring
Undang Perseroan Terbatas serta ketentuan perundang- to the Board of Commissioners Charter, the Articles
undangan yang berlaku bagi perusahaan pembiayaan of Association, the Limited Liability Law as well as
dan Perseroan Terbuka. the prevailing laws and regulations for financing and
Public Companies.
Pada tahun 2021, Dewan Komisaris Perseroan terdiri In 2021, the Company’s Board of Commissioners consists
dari lima anggota, yang salah satunya menjabat sebagai of five members, one of whom serves as President
Presiden Komisaris dan merangkap sebagai Komisaris Commissioner and concurrently as Independent
Independen. Susunan Dewan Komisaris selengkapnya Commissioner. The complete composition of the Board
adalah sebagai berikut: of Commissioners is as follows:

No
Presiden Komisaris/Komisaris
RUPS Tahunan Tahun 2020 - RUPS Tahunan Tahun
Independen
1 I Nyoman Tjager 2023
President Commissioner/Independent
2020 Annual GMS – 2023 Annual GMS
Commissioner
2 Robbyanto Budiman 2023

.01 .02 .03 .04

No

3 Myrnie Zachraini Tamin 2023
Komisaris
4 Garibaldi Thohir 2023
Commissioner
Komisaris
5 Thilagavathy Nadason 2023
Commissioner
Dalam menjalankan tugas, Dewan Komisaris dibantu In carrying out its duties, the Board of Commissioners
oleh organ pendukung berupa Komite Audit, Komite is assisted by supporting organs namely Audit
Pemantau Risiko serta Komite Nominasi dan Remunerasi. Committee, Risk Oversight Committee and the
Sesuai spesifikasi bidang masing-masing, ketiga Nomination and Remuneration Committee. Based on
komite tersebut bertugas memberikan rekomendasi the specifications of their respective fields of expertise,
kepada Dewan Komisaris dalam menjalankan fungsi the three committees are tasked with providing
pengawasan sesuai regulasi yang berlaku. recommendations to the Board of Commissioners in
carrying out their supervisory functions in accordance
with applicable regulations.

.05 .06 .07

Keberadaan Dewan Pengawas Syariah (DPS) di The establishment of the Sharia Supervisory Board
Perseroan merujuk pada POJK Nomor 30/POJK.05/2014 (DPS) in the Company refers to POJK Number 30/
tentang Tata Kelola Perusahaan yang Baik Bagi POJK.05/2014 concerning Good Corporate Governance
Perusahaan Pembiayaan, yang telah diubah dengan for Financing Companies, which has been replaced with
POJK Nomor 29/POJK.05/2020. Ketentuan tentang DPS POJK Number 29/POJK.05/2020. Provisions about DPS
wajib diadopsi karena Perseroan memiliki Unit Usaha must be adopted because the Company has a Business
Syariah. DPS diangkat RUPS dengan memperhatikan Unit Sharia. The DPS is appointed by the GMS by taking
rekomendasi Dewan Syariah Nasional Majelis Ulama into account the recommendations of the National
Indonesia dan wajib memenuhi persyaratan lulus Uji Sharia Council of the Indonesian Ulema Council and
Kemampuan dan Kepatutan. Kedudukan DPS setara must meet the requirements to pass the Fit and Proper
dengan Dewan Komisaris dan bertugas memberikan Test from OJK. The position of DPS is equal to that of the
nasihat dan saran kepada Direksi serta mengawasi Board of Commissioners and is tasked with providing
kegiatan Perseroan agar sesuai dengan prinsip syariah. advice and suggestions to the Board of Directors as
Per tahun 2021, susunan DPS terdiri dari 3 orang well as supervising the Company’s activities so that it
dengan salah satunya menjadi Ketua. Susunan DPS can conform with the sharia principles. As of 2021, the
selengkapnya adalah sebagai berikut: composition of the DPS consists of 3 people who are led
by one Chairman. The complete composition of the DPS
is as follows:

No
Ketua Dewan Pengawas

Dr. H. Abdul Jabar Syariah
1 2023
Majid, MA Chairman of Sharia Supervisory
Board
Anggota Dewan Pengawas
H.Muh. Taufik RUPS Tahunan Tahun 2020 - RUPS Tahunan Tahun
Syariah
2 Darmansyah, SE, 2023
Member of Sharia Supervisory
CPA 2020 Annual GMS – 2023 Annual GMS
Board
Anggota Dewan Pengawas
Dr.Ir. H.M. RUPS Tahunan Tahun 2020 - RUPS Tahunan Tahun
Syariah
3 Nadratuzzaman 2023
Member of Sharia Supervisory
Hosen 2020 Annual GMS – 2023 Annual GMS
Board
DPS memiliki tugas dan wewenang seperti diatur DPS has the duties and authorities as stipulated in
dalam Anggaran Dasar Perseroan serta dengan the Company’s Articles of Association and taking into
memperhatikan peraturan yang berlaku, yaitu: account the applicable regulations, namely:
1. Berfungsi sebagai pengawas aspek syariah kegiatan 1. Serving as a supervisor for the sharia aspects of
operasional Unit Usaha Syariah Perseroan agar the operational activities of the Company’s Sharia
sesuai dengan prinsip syariah. Business Units to comply with sharia principles.
2. Berfungsi sebagai penasihat dan memberi saran 2. Serving as an advisor and providing advice to the
kepada Direksi, Pimpinan Unit Usaha Syariah Company’s Board of Directors, Heads of Sharia
dan Pimpinan Kantor Cabang Syariah Perseroan Business Units and Heads of Sharia Branch Offices
mengenai hal-hal yang terkait prinsip syariah. regarding matters related to sharia principles.
3. Berfungsi sebagai mediator antara Perseroan 3. Serving as a mediator between the Company and the
dengan Dewan Syariah Nasional Majelis Ulama National Sharia Board of the Indonesian Ulema Council
Indonesia dalam mengkomunikasikan usul dan in communicating proposals and suggestions for the
saran pengembangan produk dan jasa Perseroan development of the Company’s products and services
yang memerlukan kajian dan fatwa Dewan Syariah that require the study and fatwa of the National
Nasional Majelis Ulama Indonesia. Sharia Board of the Indonesian Ulema Council.

.01 .02 .03 .04
Direksi
Board of Directors
Direksi adalah organ utama Perseroan yang bertugas The Board of Directors is the main organ of the Company
dan bertanggung jawab dalam memimpin dan that is tasked and responsible for leading and managing the
mengelola Perseroan sesuai ketentuan yang berlaku. Company in accordance with applicable regulations. The
Fungsi pengelolaan Direksi mencakup 5 tugas utama, management function of the Board of Directors includes
yakni kepengurusan, pengelolaan risiko, pengendalian 5 main tasks, namely management, risk management,
internal, komunikasi dan tanggung jawab sosial. internal control, communication and social responsibility.
Ketentuan lebih rinci mengenai tugas dan tanggung More detailed provisions regarding the duties and
jawab Direksi Perseroan dijelaskan dalam Piagam Direksi. responsibilities of the Company’s Board of Directors are
Selain itu, juga diatur dalam Anggaran Dasar, Undang- described in the Board of Directors’ Charter. In addition, it
Undang Perseroan Terbatas serta ketentuan perundang- is also regulated in the Articles of Association, the Limited
undangan yang berlaku bagi perusahaan pembiayaan Liability Company Law as well as the statutory provisions
dan perusahaan terbuka. that apply to financing companies and public companies.
Kinerja Direksi dinilai berdasarkan ukuran-ukuran The performance of the Board of Directors is assessed
tertentu yang telah ditetapkan dalam Key Performance based on certain measures that have been set out in
Indicator (KPI) yang di dalamnya meliputi kinerja aspek the Key Performance Indicators (KPI) which include the
ekonomi, sosial, partisipasi pada pelestarian lingkungan performance of economic, social aspects, participation
maupun penerapan tata kelola perusahaan. Direksi in environmental conservation and the implementation
akan melakukan evaluasi kinerja internal secara mandiri of corporate governance. The Board of Directors will
berdasarkan KPI yang kemudian disampaikan kepada independently evaluate internal performance based
Komite Nominasi dan Remunerasi untuk dievaluasi. on KPI which is submitted to the Nomination and
Selanjutnya, hasil evaluasi disampaikan oleh Komite Remuneration Committee to be evaluated. Furthermore,
Nominasi dan Remunerasi kepada Dewan Komisaris. the evaluation result is submitted by the Nomination and
Remuneration Committee to the Board of Commissioners.
Pada tahun 2021, Direksi Perseroan terdiri dari 5 In 2021, the Company’s Board of Directors consists of 5
anggota dan salah satunya menjabat sebagai Presiden members and one of them serves as President Director.
Direktur. Susunan Direksi selengkapnya disampaikan The complete composition of the Board of Directors is
dalam tabel berikut: presented in the following table:

No
Presiden Direktur RUPS Tahunan Tahun 2020 - RUPS Tahunan Tahun 2023
1 Djaja Suryanto Sutandar*)
President Director 2020 Annual GMS – 2023 Annual GMS
Direktur RUPS Tahunan Tahun 2020 - RUPS Tahunan Tahun 2023
2 Zacharia Susantadiredja**)
Director 2020 Annual GMS – 2023 Annual GMS
3 Anthony Yuarez Panggabean
4 Njauw Vido Onadi
5 Wibowo***)
*) Diangkat sebagai Sekretaris Perusahaan efektif tanggal 16 November 2021.
**) Mengundurkan diri sebagai Direktur dan Sekretaris Perusahaan pada tanggal 15 November 2021.
***) Efektif menjabat sebagai Direktur per tanggal 30 Juli 2020 sebagaimana tercantum pada Akta Pernyataan Keputusan Rapat Nomor 181 tanggal 30 Juli 2020 yang
dibuat di hadapan Aulia Taufani, S.H., Notaris di Kota Administrasi Jakarta Selatan..
*) Effectively serving as Corporate Secretary on November 16, 2021.
**) Resigned as Director and Corporate Secretary on November 15, 2021.
***) Effectively serving as Director as of July 30, 2020 as stated in the Meeting Resolution Deed Number 181 dated July 30, 2020 made before Aulia Taufani, S.H., Notary in
South Jakarta Administrative City.

.05 .06 .07
Sama dengan Dewan Komisaris, dalam menjalankan Similar to the Board of Commissioners, in carrying
tugasnya, Direksi dibantu oleh organ pendukung, out their duties, the Board of Directors is assisted
yaitu Komite Manajemen Risiko, Komite Produk by supporting organs, namely Risk Management
dan Pengembangan Kegiatan Usaha Syariah serta Committee, Product and Sharia Business Development
Komite Pengarah Teknologi Informasi. Komite- Committee and Information Technology Steering
komite tersebut bertugas memberi masukan dan/ Committee. These committees are tasked with providing
atau opini kepada Direksi dalam proses pertimbangan input and/or opinions to the Board of Directors in the
dan pengambilan keputusan strategis pada aspek process of considering and making strategic decisions on
operasional tertentu sesuai kompleksitas dan spesifikasi certain operational aspects according to the complexity
kegiatan pembiayaan. Komite di bawah Direksi and specifications of financing activities. Committees
menyelenggarakan rapat rutin atau sesuai kebutuhan under the Board of Directors hold regular or occasional
dengan agenda pembahasan sesuai spesifikasinya meetings with a discussion agenda according to their
masing-masing dalam rangka pelaksanaan tugas dan respective specifications in carrying out the duties and
tanggung jawab komite sesuai dengan pedoman dari responsibilities of the committees in accordance with
masing-masing komite tersebut. the guidelines of each committee.
Kebijakan Tata Kelola

Governance Policy
Dalam mengimplementasikan tata kelola, Perseroan In implementing governance, the Company has a clear
memiliki hierarki peraturan yang jelas pada setiap level, regulatory hierarchy at every level, starting from laws,
mulai dari perundang-undangan, peraturan, kebijakan regulations organizational policies and operational
organisasi dan aturan teknis operasional untuk technical rules to ensure the implementation of
memastikan penerapan pengelolaan organisasi yang organizational management in accordance with
sesuai dengan praktik tata kelola terbaik berstandar global standard best governance practices. Every
global. Setiap aturan pokok yang dibuat Perseroan main rule made by the Company always refers to the
senantiasa mengacu pada Undang-undang di Indonesia Law in Indonesia and the provisions of the Financial
serta ketentuan Otoritas Jasa Keuangan. Services Authority.
Sementara itu, semua kebijakan Perseroan selalu mengacu Meanwhile, all Company policies always refer to
pada Anggaran Dasar Perseroan, serta ketetapan internal the Company’s Articles of Association and internal
seperti Pedoman Tata Kelola Perusahaan yang Baik, provisions, such as the Guidelines for Good Corporate
Piagam Direksi, Piagam Dewan Komisaris dan piagam Governance, the Board of Directors Charter, the Board
komite. Pada level pelaksana, Perseroan mengeluarkan of Commissioners Charter and the committee charter.
Surat Keputusan Direksi maupun Keputusan Sirkuler At the executive level, the Company issues a Decree
Direksi. Dengan ketentuan seperti itu, pada dasarnya, of the Board of Directors and Circular Decree of the
Perseroan menerapkan hierarki tata kelola dengan Board of Directors. Under such provisions, basically,
memperhatikan peraturan perundang-undangan terkait The Company implements a governance hierarchy by
tata kelola yang berlaku di Perseroan. pay attention to the relevant laws and regulations
governance that applies in the Company.

.01 .02 .03 .04
Penanggungjawab Penerapan
Keuangan Berkelanjutan
Responsibility for the Implementation of Sustainable Finance
Sesuai dengan statusnya sebagai lembaga jasa In accordance with its status as a financial services
keuangan, sekaligus Perseroan publik, maka Perseroan institution, as well as a public company, the Company
terkena kewajiban untuk menjalankan Peraturan is subject to the obligation to carry out the Financial
Otoritas Jasa Keuangan (OJK) Nomor 51/POJK.03/2017 Services Authority (OJK) Regulation Number
tentang Penerapan Keuangan Berkelanjutan bagi 51/POJK.03/2017 concerning the Implementation of
Lembaga Jasa Keuangan, Emiten dan Perusahaan Sustainable Finance for Financial Service Institutions,
Publik. Sesuai dengan Lampiran II, peraturan tersebut Issuers and Public Companies. In accordance with
mewajibkan adanya pegawai, pejabat dan/atau unit Appendix II, the regulation requires employees, officials
kerja yang menjadi penanggung jawab penerapan and/or work units to be in charge of implementing
Keuangan Berkelanjutan. Ketentuan ini dikuatkan Sustainable Finance. This provision is affirmed by the
melalui Surat Edaran Otoritas Jasa Keuangan Republik Circular Letter of the Financial Services Authority of
Indonesia Nomor 16 /SEOJK.04/2021 Tentang Bentuk the Republic of Indonesia Number 16/SEOJK.04/2021
dan Isi Laporan Tahunan Emiten atau Perusahaan concerning the Form and Content of the Annual Report
Publik. Untuk memenuhi regulasi itu, Perseroan telah of Issuers or Public Companies. To comply with this
menetapkan Corporate Service and Communication regulation, the Company has established a Corporate
Department sebagai penanggungjawab penerapan Service and Communication Department as the person
Keuangan Berkelanjutan. Adapun tugas dan tanggung in charge of implementing Sustainable Finance. The
jawabnya adalah sebagi berikut: [OJK E.1] duties and responsibilities are as follows: [OJK E.1]
1. Membuat program beserta rancangan biaya 1. Creating a program along with a cost plan for the
Rencana Aksi Keuangan Berkelanjutan Sustainable Finance Action Plan
2. Mengimplementasi program Aksi Keuangan 2. Implementing the Sustainable Finance Action
Berkelanjutan program
3. Mengawasi dan mengevaluasi kegiatan program 3. Supervise and evaluate the activities of the
Aksi Keuangan Berkelanjutan Sustainable Finance Action program

.05 .06 .07
Pengembangan Kompetensi Terkait

Keuangan berkelanjutan [OJK E.2]
Competency Development of Sustainable Finance [OJK E.2]
Sejalan dengan penerapan keuangan berkelanjutan In line with the implementation of sustainable finance
bagi Perseroan, seperti diatur dalam POJK Nomor for the Company, as regulated in POJK Number
51/POJK.03/2017 dan Nomor 16 /SEOJK.04/2021, maka 51/POJK.03/2017 and Number 16/SEOJK.04/2021, the
Corporate Service and Communication Department Corporate Service and Communication Department
sebagai penanggungjawab penerapan Keuangan as the person in charge of implementing Sustainable
Berkelanjutan telah mengikuti berbagai kegiatan Finance participated in various activities to develop
untuk mengembangkan wawasan dan kompetensi insight and competence related to sustainable finance
yang berkaitan dengan keuangan berkelanjutan during 2021. The detail is shown in the following table:
selama tahun 2021, sebagaimana tabel berikut:
Tabel Pengembangan Kompetensi Dewan Komisaris

Table of Board of Commissioners Competency Development
Sertifikasi/Pelatihan Tempat Tanggal

No
Certification/Training Venue Date
8 April 2021
1 Virtual seminar - Sustainability Reporting (SR) Webinar
April 8, 2021
Tabel Pengembangan Kompetensi Karyawan

Table of Employee Competency Development
Sertifikasi/Pelatihan Tempat Tanggal

No
Certification/Training Venue Date
Training Sustainability Reporting (SR) untuk Lembaga Jasa

Keuangan, Emiten dan Perusahaan Publik 28 - 29 Januari 2021
1 Webinar
Sustainability Reporting (SR) Training for Financial Service Institutions, January 28-29, 2021
Issuers and Public Companies
Seminar Kerjasama Global Reporting Initiative dan PT Bursa Efek
Indonesia tahun 2021 2 - 3 Juni 2021
2 Webinar
Seminar of Global Reporting Initiative Cooperation with PT Bursa Efek June 2-3, 2021
Indonesia in 2021
Undangan Seminar dan Workshop Penyusunan Rencana Aksi
Nasional (RAN) SDGs 12 - 13 Oktober 2021
3 Webinar
Invitation to Seminar and Workshop on SDGs National Action Plan October 12-13, 2021
Preparation (RAN)
Seminar Kerjasama Global Reporting Initiative dan PT Bursa Efek
Indonesia tahun 2021 21 - 22 Oktober 2021
4 Webinar
Seminar of Global Reporting Initiative Cooperation with PT Bursa Efek October 21-22, 2021
Indonesia in 2021
Capital Market Webinar, Kerjasama Global Reporting Initiative
dan PT Bursa Efek Indonesia tahun 2021 1 Desember 2021
5 Webinar
Capital Market Webinar, Global Reporting Initiative Cooperation with December 1, 2021
Indonesia Stock Exchange in 2021

.01 .02 .03 .04
Sistem Manajemen Risiko

[GRI 102-11] [OJK E.3]
Risk Management System [GRI 102-11] [OJK E.3]
Perseroan menghadapi berbagai risiko dalam The Company faces various risks in carrying out its
menjalankan fungsi intermediarinya. Risiko-risiko intermediary function. These risks have the potential to
tersebut potensial mengganggu kegiatan operasional disrupt operational activities and affect the Company’s
dan mempengaruhi upaya Perseroan untuk efforts to achieve targets and performance, as stated
mewujudkan target dan kinerja, seperti disampaikan in the Company’s Work Plan and Budget (RKAP) as well
dalam Rencana Kerja dan Anggaran Perusahaan (RKAP) as the implementation of sustainable finance programs
serta penerapan program keuangan berkelanjutan as stipulated in the WOM Finance Sustainable Finance
sebagamana dimuat dalam Rencana Aksi Keuangan Action Plan (RAKB). To prevent, minimize or anticipate
Berkelanjutan (RAKB) Perseroan. Untuk mencegah, the impacts arising from these risks, the Company applies
meminimalkan atau mengantisipasi dampak sound and consistent risk management principles.
yang timbul dari risiko-risiko tersebut, Perseroan
menerapkan prinsip-prinsip manajemen risiko yang
baik dan konsisten.
Perseroan memiliki unsur-unsur penting yang The Company has important elements that are used as
digunakan sebagai dasar penilaian kecukupan a basis for assessing the adequacy of risk management
penerapan manajemen risiko, yaitu: implementation, namely:
1. Pengawasan aktif Dewan Komisaris dan Direksi. 1. Active supervision by the Board of Commissioners
and Directors.
2. Kecukupan kebijakan dan prosedur manajemen 2. Adequacy of risk management policies and
risiko serta penetapan limit risiko. procedures as well as determination of risk limits.
3. Terlaksananya proses manajemen risiko yang 3. The implementation of the risk management
meliputi kegiatan identifikasi, pengukuran, process, includes identification, measurement,
pemantauan dan pengendalian risiko serta monitoring and risk control as well as the availability
tersedianya sistem informasi yang memadai. of an adequate information system.
4. Kecukupan sistem pengendalian internal 4. Compliance of an adequate internal control system.
yang memadai.
Sebagai bagian dari pengeloaan risiko yang prudent, To actualize risk management, the process of identifying,
proses identifikasi, mengenali, mengelola dan memitigasi recognizing, managing and mitigating financing risks
risiko pembiayaan telah dituangkan di dalam Kebijakan has been outlined in the Risk Management Policy
Manajemen Risiko yang disetujui oleh Dewan Komisaris approved by the Board of Commissioners and Board of
dan Direksi. Dewan Komisaris bertanggung jawab dalam Directors. The Board of Commissioners is responsible
melakukan pengawasan atas pengelolaan manajemen for supervising the risk management carried out by the
risiko yang dilakukan oleh Direksi. Board of Directors.
Dalam menerapkan Manajemen Risiko, Perseroan In implementing Risk Management, the Company
menerapkan konsep 3 Lini Pertahanan atau 3 Lines of applies the concept of 3 Lines of Defense. Each Business
Defense. Setiap Unit Kerja Bisnis maupun Unit Kerja Work Unit and Supporting Work Unit is part of the first
Pendukung merupakan bagian dari lini pertahanan line of defense that is required to identify each risk and
pertama yang wajib melakukan identifikasi atas setiap take preventive actions against the risks that may arise.
risiko dan melakukan tindakan-tindakan pencegahan
atas risiko yang mungkin timbul.
Unit Kerja Manajemen Risiko maupun Unit Kerja The Risk Management Unit and the Legal and
Legal dan Kepatuhan merupakan lini pertahanan Compliance Work Unit are the second line of defense
kedua yang membuat kebijakan maupun prosedur that are responsible for regulating policies and
sebagai panduan bagi lini pertahanan pertama dalam procedures as a guide for the first line of defense in

.05 .06 .07
menjalankan fungsi manajemen risiko. Lini pertahanan carrying out the risk management function. The second
kedua juga bertanggung jawab dalam melakukan line of defense is also responsible for carrying out the
fungsi pengawasan (oversight) atas implementasi oversight function on the implementation of policies
kebijakan maupun prosedur yang dilakukan oleh lini and procedures carried out by the first line of defense.
pertahanan pertama tersebut. Sementara itu, Internal Meanwhile, Internal Audit is the third line of defense
Audit sebagai lini pertahanan ketiga bertanggung responsible for evaluating the effectiveness of risk
jawab untuk melakukan evaluasi atas efektivitas management, both in the first line of defense and the
pengelolaan manajemen risiko, baik di lini pertahanan second line of defense.
pertama maupun lini pertahanan kedua.
Selama tahun 2021, Perseroan telah mengidentifikasi During 2021, the Company has identified the risks,
risiko-risiko yang dihadapi, yaitu Risiko Kepengurusan such as Management & Governance Risk, Strategy Risk,
& Tata Kelola, Risiko Strategi, Risiko Pembiayaan, Risiko Financing Risk, Asset & Liability Risk, Operational Risk
Aset & Liabilitas, Risiko Operasional (mencakup Risiko (including Reputation Risk, Legal Risk, Compliance Risk)
Reputasi, Risiko Hukum, Risiko Kepatuhan) dan Risiko and Fund Support Risk. Risk identification activities
Dukungan Dana. Kegiatan identifikasi risiko dilakukan are carried out on all financing products and activities
terhadap seluruh produk dan aktivitas pembiayaan that have risk exposure, both for existing products and
yang memiliki exposure risiko, baik produk dan activities as well as for new products and activities.
aktivitas yang telah berjalan maupun terhadap aktivitas
pembuatan produk dan aktivitas baru.
Selanjutnya, untuk mewujudkan efektivitas dan The Company is determined to actualize operational
efisiensi operasional, keakuratan laporan keuangan effectiveness and efficiency, accuracy of financial
dan kepatuhan terhadap ketentuan dan peraturan yang reports and compliance with applicable rules and
berlaku, Perseroan melakukan pengendalian internal regulations. Thus, the Company conducts internal
yang bersifat sebagai tindakan pencegahan (preventive controls as preventive action, early detection and
action), deteksi dini (early detection)maupun tindakan corrective action through embedded supervision that
perbaikan (corrective action) melalui pengawasan implements the principle of dual control, “check and
melekat yang menerapkan prinsip pengawasan ganda balances” segregation of duties and audit trail.
(dual control), pembagian tugas “check and balances”
(segregation of duties) dan jejak audit (audit trail).

.01 .02 .03 .04
Sistem Pengendalian Internal

Dalam menjalankan operasional, Perseroan In carrying out operational, the Company is committed
berkomitmen untuk menerapkan Sistem Pengendalian to implementing a reliable and effective Internal
Internal yang handal dan efektif yang merupakan Control System which is the responsibility of all parties
tanggung jawab dari semua pihak dalam organisasi. in the organization. This commitment is held in order
Komitmen ini dipegang guna memberikan keyakinan to provide adequate confidence in safeguarding and
yang memadai dalam menjaga dan mengamankan securing the Company’s assets, ensuring the availability
harta kekayaan Perseroan, menjamin tersedianya of accurate reports, improving compliance with
laporan yang akurat, meningkatkan kepatuhan applicable regulations, reducing the impact of financial
terhadap ketentuan yang berlaku, mengurangi losses, irregularities including fraud and violations of
dampak kerugian keuangan, penyimpangan termasuk prudential aspects as well as increasing organizational
kecurangan fraud dan pelanggaran aspek kehati- effectiveness and increasing cost efficiency.
hatian serta meningkatkan efektivitas organisasi dan
meningkatkan efisiensi biaya.
Langkah nyata yang diambil Perseroan untuk This commitment is executed through the
mewujudkan komitmen tersebut adalah menerapkan implementation of internal control framework
kerangka kerja pengendalian internal dengan with reference to the COSO concept (Committee of
mengacu pada konsep COSO (Committee of Sponsoring Sponsoring Organizations of the Treadway Commission),
Organizations of the Treadway Commission), yaitu which is an International Commission established
sebuah Komisi Internasional yang dibentuk untuk to identify the factors that cause embezzlement
mengindentifikasi faktor-faktor yang menyebabkan and make recommendations to reduce the incident,
penggelapan dan membuat rekomendasi untuk COSO emphasizes internal control as a process and
mengurangi kejadian tersebut. COSO menekankan an inseparable part of sustainable company business
pengendalian internal sebagai suatu proses yang (ongoing business activities). To manage reporting
merupakan bagian tidak terpisahkan dari aktivitas purposes to the public, the Company uses the COSO
bisnis entitas yang berkelanjutan (ongoing business framework as a reference of best practice model
activities). Untuk tujuan pelaporan manajemen kepada for internal control. The COSO framework enables
publik, COSO framework telah menjadi acuan Perseroan companies to develop effective and efficient internal
publik sebagai model best practices pengendalian control systems.
internal. COSO framework memungkinkan Perseroan
untuk mengembangkan sistem pengendalian internal
yang efektif dan efisien.
Melalui penerapan COSO, Perseroan dapat Through the implementation of COSO, the Company
memperoleh: can obtain:
1. Pendekatan prinsip memberikan kemudahan 1. The approach that facilitates and allows for
dan memperkenankan untuk membuat, establishing, implementing and exercising internal
mengimplementasikan dan melaksanakan control – the principles can be applied at the entity,
pengendalian internal – prinsip dapat diterapkan operation and function levels;
pada tingkatan entitas, operasi dan fungsi;
2. Syarat untuk sistem pengendalian internal yang 2. Requirements for an effective internal control
efektif dengan mempertimbangkan bagaimana system taking into account how these components
komponen dan prinsip tersebut ada serta and principles exist and function and how the
berfungsi dan bagaimana komponen beroperasi components operate simultaneously;
secara bersamaan;
3. Cara untuk mengidentifikasi dan menganalisa 3. Ways to identify and analyze risks as well as to
risiko dan untuk mengembangkan serta mengelola develop and manage risk reactions appropriately

.05 .06 .07
reaksi risiko secara tepat sampai dengan tingkatan to acceptable levels and with the best focus on
yang diterima dan dengan fokus terbaik dalam anti-fraud measures;
pengukuran anti-fraud;
4. Kesempatan untuk mengembangkan penerapan 4. Opportunities to develop the application of
pengendalian internal laporan keuangan dan internal control to financial reports and other
laporan lainnya untuk mencapai tujuan laporan, reports to achieve reporting, operational and
operasional dan kepatuhan; compliance objectives;
5. Kesempatan untuk mengurangi ketidakefektifan, 5. Opportunities to reduce ineffectiveness, repetition
pengulangan atau ketidakefisienan pengendalian or inefficiency of controls that provide minimal
yang memberikan nilai minimal dalam mengurangi value in reducing risks to achieve company goals.
risiko untuk mencapai tujuan Perseroan.
Divisi Audit Internal berperan melakukan penilaian atas Role of the Internal Audit is evaluating the effectiveness
efektifitas sistem pengendalian internal menggunakan for the internal control systems that uses the COSO
COSO framework, yang terdiri dari 3 dimensi atau framework, which consists of 3 dimensions or categories
kategori tujuan yang memperkenankan Perseroan of objectives that allow the Company to focus on
untuk fokus pada aspek pengendalian internal: aspects of internal control:
1. Operasi – efektif dan efisiensi operasional Perseroan 1. Operations – the effectiveness and efficiency of the
termasuk pencapaian kinerja operasional dan Company’s operations including the achievement
keuangan serta keamanan aset dibandingkan of operational and financial performance as well as
dengan kerugian. asset safety against losses.
2. Laporan Non Keuangan internal meliputi 2. Internal Non-Financial Reports including reliability,
keandalan, ketepatan waktu, transaparansi atau timeliness, transparency or other requirements
syarat lainnya yang ditetapkan oleh regulator, set by the regulators, recognized standards and
standar yang diakui maupun kebijakan Perseroan. Company policies.
3. Kepatuhan – ketaatan terhadap hukum dan 3. Compliance – compliance with laws and regulations.
peraturan perundang-undangan.
Ketiga dimensi atau kriteria tujuan tersebut memiliki The three dimensions or objective criteria have
5 komponen untuk mengevaluasi pengendalian 5 components to evaluate the Company’s internal
internal Perseroan, yaitu: control, namely:
1. Pengendalian Lingkungan 1. Environmental Control
2. Penaksiran Risiko 2. Risk Assessment
3. Aktivitas Pengendalian 3. Control Activities
4. Informasi dan Komunikasi 4. Information and Communication
5. Pengawasan 5. Oversight

.01 .02 .03 .04
Praktik Antikorupsi dan Gratifikasi

Anti-Corruption and Gratuities Practice
Perseroan berkomitmen penuh untuk memberantas The Company is fully committed to eradicating
korupsi yang berdampak sangat luas bagi sendi-sendi corruption that has a very broad impact. The Company
kehidupan berbangsa, bernegara dan bermasyarakat. continues to support this commitment implementing
Untuk mendukung komitmen tersebut, Perseroan practising and culture of anti-corruption and anti-
menerapkan praktik dan budaya anti korupsi dan bribery within the Company by instilling the company's
anti penyuapan dalam lingkungan Perseroan dengan basic values and establishing several regulations and/
menanamkan nilai-nilai dasar (core values) perusahaan or policies related to prevention of corruption such as
dan menetapkan beberapa peraturan dan/atau Company Regulations, Guidelines for Implementing
kebijakan yang terkait dengan pencegahan korupsi, Anti-Fraud Strategy, Company's Code of Ethics and
seperti Peraturan Perusahaan, Pedoman Penerapan Code of Conduct.
Strategi Anti Fraud, Kode Etik dan Pedoman Tingkah
Laku Perseroan.
Pada Kode Etik dan Pedoman Tingkah Laku Perseroan In the Company’s Code of Ethics and Code of Conduct,
terdapat ketentuan terkait pencegahan korupsi dan there are provisions related to preventing corruption
gratifikasi antara lain meliputi: and gratuities, including:
1. Ketentuan mengenai anti gratifikasi yang 1. Provisions regarding anti-gratification stipulated in
termuat pada Kode Etik dan Pedoman Tingkah the Company’s Code of Ethics and Code of Conduct.
Laku Perseroan. Ketentuan anti gratifikasi ini This anti-gratification provision is intended to
dimaksudkan untuk memberikan pedoman provide reasonable, appropriate and trustworthy
perilaku yang wajar, patut dan dapat dipercaya behavior guidelines for all Company personnel
bagi seluruh personil Perseroan dalam melakukan in dealing with customers, partners and fellow
hubungan dengan para konsumen, rekanan workers. The anti-gratification provisions include:
dan sesama pekerja. Ketentuan anti gratifikasi
tersebut meliputi:
a. Larangan seluruh personil Perseroan a. Prohibiting all Company personnel from gift-
memberikan hadiah termasuk berupa hiburan giving including entertainment that other
yang patut diduga oleh pihak lain sebagai parties could reasonably suspect was an
indikasi penyuapan atau gratifikasi. indication of bribery or gratuities.
b. Larangan seluruh personil Perseroan menerima b. Prohibiting all Company personnel from
suatu pemberian atau hadiah yang diketahui receiving gifts that are known or can be
atau patut diduga bahwa pemberian itu reasonably inferred to affect decision making
dapat mempengaruhi pengambilan keputusan related to the Company’s activities or the
terkait kegiatan Perseroan, wewenang jabatan person’s use of authority or in situations
yang diembannya atau dalam suatu keadaan where business considerations appear to
dimana kemudian nampak pada pihak lain be compromised.
bahwa pertimbangan bisnis yang dibuat
telah dikompromikan.
c. Tidak memperkenankan seluruh personil c. Prohibiting all Company personnel from
Perseroan menawarkan untuk memberikan offering gifts, entertainment or other forms
bingkisan, hiburan, hadiah atau bentuk of gifts, either directly or indirectly to other
pemberian lainnya baik langsung maupun parties to:
tidak langsung kepada pihak lain untuk:
• Mempengaruhi pengambilan keputusan • Influence decision making related to the
terkait kegiatan usaha Perseroan dengan Company’s business activities by violating
melanggar ketentuan perundang- the applicable laws and regulations;
undangan yang berlaku;
• Mempengaruhi atau menimbulkan potensi • Affect or cause a potential conflict
benturan kepentingan. of interest.

.05 .06 .07
2. Ketentuan mengenai anti korupsi yang termuat 2. Provisions regarding anti-corruption stipulated in
pada Kode Etik dan Pedoman Tingkah Laku the Company's Code of Ethics and Code of Conduct.
Perseroan. Ketentuan anti korupsi tersebut meliputi: The anti-corruption provisions include:
a. Larangan seluruh personil Perseroan a. Prohibiting all Company personnel to take
memanfaatkan jabatannya di Perseroan untuk advantage of their positions in the Company
kepentingan pribadi, keluarga dan atau pihak for personal, family and/or other parties
lain yang dapat merugikan atau mengurangi interests that may harm or reduce the
keuntungan Perseroan. Company’s profits.
b. Kewajiban seluruh personil Perseroan harus b. The obligations of all Company personnel to
tunduk dan patuh pada aturan hukum, moral comply with the rules of law, morals and ethics
dan etika serta seluruh kebijakan dan prosedur as well as all applicable Company's policies
Perseroan yang berlaku. and procedures.
c. Larangan seluruh personil Perseroan c. Prohibiting all Company personnel to abuse
menyalahgunakan nama Perseroan, fasilitas the Company’s name, facilities and business
dan hubungan bisnis Perseroan untuk relations of the Company for personal interests
kepentingan pribadi atau untuk hal-hal lain di or for other matters outside of work.
luar pekerjaan.
Perseroan senantiasa berupaya untuk meningkatkan The Company always strives to increase awareness and
kesadaran dan peran serta seluruh personil Perseroan participation of all Company personnel to participate
untuk turut serta dalam mencegah, menghindari in preventing, avoiding corruption and gratification
praktik korupsi dan gratifikasi dengan: practices by:
1. Menegakkan komitmen dari seluruh personil 1. Upholding the commitment of all Company
Perseroan untuk patuh pada Kode Etik dan personnel to comply with the Company’s Code
Pedoman Tingkah Laku Perseroan, ketentuan of Ethics and Code of Conduct, applicable legal
hukum yang berlaku, serta seluruh kebijakan provisions, as well as all of the Company’s internal
internal Perseroan dengan menandatangani surat policies by signing a personal commitment letter
pernyataan komitmen pribadi atas Kode Etik dan to the Code of Ethics and Code of Conduct upon
Pedoman Tingkah Laku pada saat baru bergabung joining the Company. The personal commitment to
di Perseroan dan pada setiap tahunnya komitmen the Code of Ethics and Code of Conduct is annually
pribadi atas Kode Etik dan Pedoman Tingkah restated by the Company’s employees through the
Laku tersebut dinyatakan kembali oleh karyawan Company’s internal system.
Perseroan melalui sistem internal Perseroan.
2. Menyelenggarakan training anti fraud, training 2. Organizing anti-fraud training, training on the
penerapan program Anti Pencucian Uang dan implementation of the Anti-Money Laundering
Pencegahan Pendanaan Terorisme (“APU PPT”), and Prevention of Terrorism Financing (“APU
serta training mengenai nilai-nilai dasar (core PPT”) program and training on the Company's
values) Perseroan. core values.
3. Menyediakan saluran whistleblowing system 3. Providing the Company’s whistleblowing system
Perseroan sebagai fasilitas penyampaian laporan channel as a facility for submitting reports of
pelanggaran, ketidakpatuhan atau penyimpangan violations, non-compliance or irregularities in
di Perseroan. the Company.

.01 .02 .03 .04
Pelatihan personel Perseroan selama tahun 2021 terkait The Company’s personnel training during 2021 related
dengan nilai-nilai perusahaan, APU PPT dan anti fraud to corporate values, APU PPT and anti-fraud in terms of
ditinjau dari level jabatan adalah sebagai berikut: position level are as follows:
Uraian Manajerial Staf

Supervisor/Head
Description Managerial Staff
Development Program*) 227 233 0

Kepatuhan**)
360 349 1
Compliance**)
WOM on Boarding***) 24 152 4.419
Jumlah
611 734 4.420
Total
*) Pada pelatihan ini memuat materi pelatihan mengenai nilai-nilai Perseroan, *) This training contains training materials on corporate values, APU PPT and anti-
APU PPT dan anti fraud. fraud.
**) Pelatihan APU PPT. **) APU PPT training.
***)Pelatihan yang diberikan khusus pada karyawan baru Perseroan yang ***) Special training given to new employees of the Company which includes
mencakup materi pelatihan mengenai nilai-nilai Perseroan, APU PPT dan training materials on corporate values, APU PPT and anti-fraud.
anti fraud.

.05 .06 .07
Pengelolaan Pelaporan Pelanggaran

(Whistleblowing System)
Whistleblowing System Management
Sebagai bagian dari realisasi Strategi Anti Fraud, In realizing the Anti-Fraud Strategy, the Company has
Perseroan telah mengembangkan sarana/ media developed a means/ media for complaints/detection of
pengaduan/ pendeteksian atas pelanggaran/fraud violations/ fraud by establishing a systematic, simple
dengan menetapkan sistem pelaporan pelanggaran and effortless Whistleblowing System/WBS with a high
(Whistleblowing System/WBS) yang sistematis, sederhana level of confidentiality. This system applies to all levels,
dan mudah dengan tingkat kerahasiaan yang tinggi. including employees, Directors and Commissioners. To
Sistem ini berlaku bagi seluruh jajaran, baik karyawan, reinforce the importance of the existence of this system,
Direksi maupun Komisaris. Untuk mengukuhkan the Company continuously disseminates WBS to all lines
pentingnya keberadaan sistem ini, maka Perseroan secara of the Company through various internal media.
terus-menerus melakukan sosialisasi WBS ke semua lini
Perseroan melalui berbagai media internal.
Adapun mekanisme penyampaian pengaduan dan The mechanism for submitting complaints and
pengelolaan whistleblowing channel Perseroan adalah managing the Company’s whistleblowing channel is
sebagai berikut: as follows:
1. Seluruh laporan yang masuk ke Jendela 1. All reports submitted to Jendela (jendela@wom.co.id)
(jendela@wom.co.id) dari Risk Management akan from Risk Management will analyze the feasibility of
melakukan analisa kelayakan Follow Up Risk Event the Follow Up Risk Event and discuss the distribution
dan mendiskusikan pembagian tanggung jawab of responsibilities for the follow up risk event to
follow up risk event kepada tim Jendela. Jendela team.
2. Tim Jendela menentukan penanggungjawab 2. Jendela Team determines the investigation person
investigasi berdasarkan analisa risk event kategori responsible based on the risk event analysis of the
kasus dan nilai kerugian yang ditimbulkan kepada case category and the value of the losses incurred
Internal Audit/Anti Fraud Division. to Internal Audit/Anti Fraud Division.
3. Penanggungjawab Investigator melakukan 3. Investigator person responsible conducts
proses investigasi dan setelah selesai melakukan the investigation and after completing the
investigasi, masing-masing penanggungjawab investigation, each investigation person responsible
investigasi membuat laporan hasil Investigasi makes a report on the results of the investigation
dalam bentuk Laporan Hasil Investigasi dengan in the form of an investigation Report with the
persetujuan Division Head terkait. approval of the relevant Division Head.
4. Pemberian sanksi kepada pelaku tindakan fraud 4. Based on Company Regulations and applicable
berdasarkan Peraturan Perusahaan dan ketentuan regulations, sanctions for perpetrators of fraud are
yang berlaku dilakukan oleh Human Capital carried out by Human Capital Industrial Relations
Hubungan Industrial dengan rekomendasi dari with a recommendation from the Investigator
Penanggungjawab Investigator. Person Responsible.
Sebagai bagian dari upaya mendorong keberanian To encourage the reporters to submit reports through
menyampaikan untuk menyampaikan laporan melalui WBS channel, while ensuring the effectiveness of the
kanal WBS, sekaligus memastikan efektivitas sistem reporting system, the Company provides protection
pelaporan, maka Perseroan memberikan perlindungan and guarantees the confidentiality of the identities of
dan menjamin kerahasiaan identitas para pelapor/ the whistleblower.
whistleblower.

.01 .02 .03 .04
Dengan berbagai upaya tersebut di atas, per 31 As of December 31, 2021, there were 33 complaints,
Desember 2021, terdapat 33 pengaduan, termasuk including allegations of fraud or corruption that were
dugaan tindak fraud ataupun korupsi yang masuk yang submitted through the whistleblowing channel and
diterima melalui saluran whistleblowing dan telah have been followed up by the Anti Fraud Work Unit.
ditindaklanjuti oleh Unit Kerja Anti Fraud. Berdasarkan Based on the investigation carried out by the work
investigasi yang dilakukan unit kerja tersebut, Divisi unit, the Anti Fraud Division has issued a decision and
Anti Fraud telah memberikan keputusan dan sanksi imposed sanctions to the perpetrator in accordance
terhadap pelaku sesuai dengan ketentuan yang berlaku. with the applicable regulations. The following table
Pengaduan selengkapnya yang masuk melalui WBS dan presents detailed complaints submitted through WBS
diproses pada tahun buku 2021 adalah sebagai berikut: and processed in 2021 fiscal year:
Wilayah Kerja Jumlah Kasus

No Actual Loss Potential Loss
Work Area Total Case
Kantor Pusat
1 1 77.290 0
Head Office
Regional Jakarta - Bogor - Depok - Bekasi
2 4 0 15.000.000
Regional of Jakarta - Bogor - Depok - Bekasi
Regional Jawa Barat
3 2 22.628.000 0
West Java Regional
Regional Jawa Tengah
4 6 0 8.099.000
Central Java Regional
Regional Jawa Timur, Bali, Nusa Tenggara
5 8 18.161.228 12.527.134
Regional of East Java, Bali, Nusa Tenggara
Regional Sumatera Bagian Utara
6 2 1.060.000 0
Regional of North Sumatera
Regional Sumatera Bagian Selatan
7 6 48.677.562 0
Regional of South Sumatera
Regional Kalimantan Sulawesi
8 3 0 24.852.000
Regional of Kalimantan Sulawesi
Regional Banten
9 1 6.000.000 0
Regional of Banten
Jumlah
33 96.604.080 60.478.134
Total

.05 .06 .07
Kode Etik [GRI 102-16]

Code of Ethics [GRI 102-16]
Perseroan telah merumuskan kebijakan terkait Kode The Company has formulated policies related to the
Etik dan Pedoman Tingkah Laku yang berfungsi sebagai Code of Ethics and Code of Conduct, which serve as
panduan standar sikap dan perilaku dalam pelaksanaan guidelines for standard attitudes and behavior in the
segenap aktivitas bisnis, sekaligus pencapaian visi implementation of all business activities, as well as the
dan misi Perseroan. Pedoman ini sekaligus untuk achievement of the Company’s vision and mission. This
memperkuat implementasi GCG di Perseroan. Kode guideline also aims to reinforce the implementation of
Etik disusun dengan mengacu pada praktik industri GCG in the Company. The Code of Ethics refers to the
terbaik dengan memperhatikan kesesuaian terhadap best industry practices and considers compliance with
peraturan perundang-undangan yang berlaku di the prevailing laws and regulations in Indonesia. As a
Indonesia. Sebagaimana layaknya sebuah panduan, guide, the Code of Ethics and Code of Conduct not only
Kode Etik dan Pedoman Tingkah Laku tak hanya apply to employees, but also the Board of Directors
berlaku bagi karyawan, tetapi juga berlaku dan wajib and Commissioners, Sharia Supervisory Board and
dipatuhi jajaran Direksi, Dewan Komisaris, Dewan Company Committees.
Pengawas Syariah dan Komite-Komite Perseroan.
Pokok-pokok Kode Etik dan Pedoman Tingkah Laku The main points of the Code of Ethics and Code of
yang berlaku di Perseroan terdiri dari beberapa bagian Conduct applicable in the Company consist of the
sebagai berikut: following sections:
1. Nilai-nilai dasar (core values) yang berisi nilai- 1. Core values which contain the cultural values in the
nilai budaya di Perseroan yang diharapkan dapat Company that expected to be applied into the work
diterapkan menjadi etos kerja seluruh pihak yang ethic of all parties working in the Company.
bekerja di Perseroan.
2. Komitmen atas Kode Etik dan Pedoman Tingkah 2. Commitment to the Code of Ethics and Code of
Laku yang berisi pernyataan persetujuan dari Conduct which contains a statement of approval
seluruh pihak yang bekerja di Perseroan untuk from all parties working in the Company to
berkomitmen atas Kode Etik dan Pedoman Tingkah commit to the Company’s Code of Ethics and Code
Laku Perseroan. of Conduct.
3. Standar-standar (norma-norma) tingkah laku 3. Standards (norms) of behavior in the Code of Ethics
dalam Kode Etik dan Pedoman Tingkah Laku yang and Code of Conduct, which consists of:
terdiri atas:
a. Tanggungjawab kepada Perseroan a. Responsibility to the Company
b. Tanggungjawab di tempat kerja b. Responsibilities at work
c. Etika mewakili Perseroan dan berinteraksi c. Ethics on behalf of the Company and interacting
dengan pihak luar with outside parties
d. Kerahasiaan d. Confidentiality
e. Investasi dan kegiatan luar e. Investment and outside activities
f. Kepatuhan f. Compliance
g. Sanksi g. Sanction
4. Pernyataan Komitmen Pribadi. 4. Statement of Personal Commitment.

.01 .02 .03 .04
Selaras dengan kebijakan tentang sosialisasi Kode Etik In line with the policy regarding the dissemination
dan Pedoman Tingkah Laku sekaligus memudahkan of the Code of Ethics and Code of Conduct and to
akses bagi seluruh insan Perseroan, maka Perseroan facilitate easier access for all the Company's employees,
menyediakan Buku Kode Etik dan Pedoman Tingkah the Company provides a Code of Ethics and Code of
Laku dalam format digital dan mengunggahnya dalam Conduct Manual Book in digital format and upload it in
sistem informasi portal internal Perseroan sehingga the Company's internal portal information system for
dapat diakses dengan mudah. easier access.
Untuk menegakkan Kode Etik dan Pedoman Tingkah To enforce the Code of Ethics and Code of Conduct,
Laku telah diatur pula tentang pelanggaran- violations and sanctions for perpetrators have also been
pelanggaran dan sanksi bagi pelanggarnya. Di regulated. These sanctions include the risk of imposing
dalam sanksi tersebut, termasuk di dalamnya risiko criminal sanctions and civil sanctions on the personnel
dikenakannya sanksi pidana dan sanksi perdata atas of the Company and/or the Company.
personel Perseroan dan/atau Perseroan.
Pelanggaran Kode Etik dan Sanksi

Code of Conduct Violation and Sanction
Selama tahun 2021, Perseroan mencatat adanya 758 During 2021, the Company recorded 758 violations of
pelanggaran Kode Etik dan Pedoman Tingkah Laku. the Code of Ethics and Code of Conduct. The sanctions
Dari jumlah itu, sanksi yang dijatuhkan berupa Sanksi imposed included the Code of Ethics Chapter I Points
Pelanggaran Kode Etik Bab I Poin (B) kepada 496 orang, (B) to 496 people, sanctions for Violation of the Code
sanksi Pelanggaran Kode Etik Bab I Poin (D) kepada 262 of Ethics Chapter I Points (D) to 262 people. As of
orang. Per 31 Desember 2021, semua pelanggaran telah December 31, 2021, all violations have been resolved
diselesaikan dan telah dijatuhi sanksi sesuai dengan and all perpetrators have been penalized according to
tingkat kesalahan atau pelanggarannya. the level of violation.

.05 .06 .07
Manajemen Pemangku Kepentingan [OJK E.4]

Stakeholder Management [OJK E.4]
Pemangku kepentingan adalah entitas atau individu Stakeholders are entities or individuals who are
yang terpengaruh oleh kegiatan Perseroan. Di sisi lain, affected by the Company's activities. On the other
keberadaan mereka juga mempengaruhi Perseroan hand, their presence also influences the Company in
dalam mewujudkan keberhasilan penerapan strategi realizing the successful implementation of strategies
dan pencapaian tujuan. Dengan posisi yang demikian and achieving goals. With such an important position,
penting, maka Perseroan berupaya untuk membangun the Company strives to build cooperation and synergize
kerjasama dan bersinergi dengan para pemangku with stakeholders. In addition, the Company also strives
kepentingan. Selain itu, Perseroan juga berupaya to carry out intensive communication with stakeholder
untuk menyelenggarakan komunikasi yang intensif groups and seeks to involve these groups in accordance
bersama kelompok-kelompok pemangku kepentingan with the expectations of each stakeholder.
dan mengupayakan pelibatan kelompok-kelompok
tersebut sesuai dengan harapan masing-masing
pemangku kepentingan.
Pemangku kepentingan Perseroan terdiri dari The Company’s stakeholders are shareholders and
pemegang saham dan investor, konsumen, pegawai, investors, consumers, employees, communities,
komunitas, mitra kerja/pemasok, pemerintah/regulator business partners/suppliers, government/regulators
dan tokoh masyarakat/pejabat setempat. Pemetaan dan and community leaders/local officials. The mapping
penetapan pemangku kepentingan Perseroan merujuk and determination of the Company’s stakeholders
pada AA1000 Stakeholder Engagement Standard versi refers to the 2015 version of the AA1000 Stakeholder
tahun 2015 yang dikeluarkan oleh Accountability, yang Engagement Standard issued by AccountAbility, which
membagi dalam 5 atribut sebagai berikut: [GRI 102-42] is divided into 5 attributes as follows: [GRI 102-42]
1. Dependency (D)/Ketergantungan 1. Dependency (D)
Jika Perseroan memiliki ketergantungan pada If the Company has a dependency on a person or an
seseorang atau sebuah organisasi atau sebaliknya. organization or vice versa.
2. Responsibility (R)/Tanggung jawab 2. Responsibility (R)
Jika Perseroan memiliki tanggung jawab legal, If the Company has legal, commercial or ethical
komersial atau etika terhadap seseorang atau responsibilities towards a person or an organization.
sebuah organisasi.
3. Tension (T)/Perhatian 3. Tension (T)
Jika seseorang atau sebuah organisasi If a person or an organization needs the Company’s
membutuhkan perhatian Perseroan terkait isu attention regarding certain economic, social or
ekonomi, sosial atau lingkungan tertentu. environmental issues.
4. Influence (I)/Pengaruh 4. Influence (I)
Jika seseorang atau sebuah organisasi memiliki If a person or organization has influence over
pengaruh terhadap Perseroan atau strategi atau the Company or the strategies or policies of
kebijakan pemangku kepentingan lain. other stakeholders.
5. Diverse Perspective (DP)/Keberagaman Pandangan 5. Diverse Perspective (DP)
Jika seseorang atau sebuah organisasi memiliki If a person or an organization has a different view
pandangan berbeda yang dapat mempengaruhi that can influence the situation and encourage
situasi dan mendorong adanya aksi yang tidak ada action that did not exist before.
sebelumnya.
Setelah dilakukan pemetaan, pemangku kepentingan After the mapping has been carried out, the Company's
Perseroan dan upaya pelibatannya digambarkan dalam stakeholders and their involvement efforts are described
tabel berikut: in the following table:

.01 .02 .03 .04
D = Dependency; R = Responsibility; T = Tension;

I = Influence; DP = Diverse Perspective
Basis Penetapan/ Fungsi Manajemen

Metode Pelibatan
Pemangku Identifikasi Topik/Masalah yang Frekuensi Tata Kelola
Method of Engagement
Kepentingan Basis of Dibahas Frequency Tertinggi
[GRI 102-43]
Stakeholder Determination/ Topics/Issues [GRI 102-43] Highest Governance
[GRI 102-40] Identification [GRI 102-44] Management
[GRI 102-42] Function
• Menyediakan informasi
pencapaian Perseroan melalui
RUPS, Laporan Kuartal dan
Penerbitan Laporan Tahunan.
• Tata Kelola
• Komunikasi langsung
Organisasi
maupun melalui analisis guna
Pemegang • Pencapaian Kinerja
memastikan penyampaian Sesuai
Saham dan Ekonomi
informasi material. Kebutuhan Corporate
Investor D, R, I • Organization
• Provide information on the Need based Secretary
Shareholder Governance
Company's achievements engagement
and Investor • The Achievement
through the GMS, Quarterly
of Economic
Reports and Issuance of Annual
Performance
Reports.
• Direct communication as well as
through analysis to ensure the
delivery of material information.
• Penyediaan produk dan
jasa sesuai peraturan yang
berlaku.
• Pemberian informasi produk
dan jasa dengan tepat waktu,
memadai, jelas dan akurat.
• Pengembangan layanan
• Perlindungan berkualitas prima demi
Nasabah kepuasan konsumen. • Line of Business
• Hubungan • Iklan dan media promosi. Sesuai • Corporate
Konsumen Kebutuhan
D, R, T, I Berkelanjutan • Provision of products and Secretary
Customer Need based
• Customer Protection services in accordance with engagement • Customer Service
• Sustainable applicable regulations. • Contact Center
Relationship • Provision of product and
service information in a timely,
adequate, clear and accurate.
• Development of excellent
quality services for customer
satisfaction.
• Advertising and promotional
media.

.05 .06 .07

Metode Pelibatan
[GRI 102-43]
• Hubungan • Pengelolaan insan Perseroan

Ketenagakerjaan secara objektif, transparan,
• Perlindungan dan adil dan setara.
Kondisi Kerja • Membangun lingkungan
• Pengembangan kerja kondusif demi
Kompetisi optimalisasi produktivitas.
• Pengembangan • Pengembangan karir talent
Karir dan management system dan Pertemuan
Pegawai/ sesuai
Aktualisasi Diri assessment center. Human
Karyawan D,R, T, I kebutuhan
• The Employment • Management of the Company's Capital
Employee Need based
Relationship personnel objective, transparent, engagement
• Protection and fair and equal.
Working Condition • Build a conducive work
• Competition environment for the
Development optimization of productivity.
• Career and Self • Career development of talent
Actualization management system and
Development assessment center.
• Pendidikan dan Intensifikasi keterlibatan
Budaya dalam kegiatan komunitas
• Teknologi dan dengan program yang
Akses Infrastruktur mencakup bidang pendidikan,
• Kesejahteraan dan pemberdayaan, budaya dan Pertemuan
agama, kemanusiaan serta sesuai
Komunitas Pendapatan • Corporate Secretary
D, R, T, I, DP lingkungan. kebutuhan
Community • Education and • Human Capital
Intensification of involvement Need based
Culture in community activities with engagement
• Technology and programs that cover the fields of
Infrastructures education, empowerment, culture
Access and religion, humanity and the
• Welfare and Income environment.
• Hubungan • Syarat kerja sama yang jelas.
Berkelanjutan • Penilaian kinerja yang
Mitra Kerja/ • Ekonomi transparan. Pertemuan
Pemasok sesuai
• Keadilan • Penilaian rutin.
Working D, R, T kebutuhan Procurement
• Sustainability • Clear terms of cooperation.
Partner/ Need based
Supplier Relationship • Transparent performance engagement
• Economy appraisal.
• Fairness • Routine assessment.

.01 .02 .03 .04

Metode Pelibatan
[GRI 102-43]
• Kepatuhan
Terhadap
Peraturan
Perundang
Undangan
• Komitmen
Terhadap Regulasi
• Penyempurnaan Manual
Pembiayaan
Good Corporate Governance
• Komunikasi dan
Pemerintah terkini. Pertemuan
Pelaporan yang
dan • Implementasi prinsip GCG di sesuai
D, R, T, I, DP Jelas, Akurat,
Regulator seluruh unit kerja. kebutuhan Compliance
Komprehensif dan
Government • Completion of the latest Good Need based
and Regulator Tepat Waktu engagement
Corporate Governance Manual.
• Compliance towards
• Implementation of GCG
Prevailing Laws
principles in all work units.
• Committed to
Financing Regulation
• Accurate,
Comprehensive
and Timely
Communication and
Komunikasi
• Pengembangan • Kunjungan langsung. Pertemuan
Tokoh Usaha • Pertemuan resmi dan berkala,
Masyarakat/ • Kemajuan Daerah Musyawarah Perencanaan sesuai
Pejabat
Setempat Pembangunan. kebutuhan • Corporate Secretary
Setempat D, R, T, I, DP
• Business • In-person visits. Regular • Customer Service
Community
Development • Formal meetings and meeting
Leaders/Local
• Progress of Local Development Planning according to
Officials
Area Deliberations. the needs

.05 .06 .07
Permasalahan terhadap Penerapan

Keuangan Berkelanjutan [OJK E.5]
Problems of Implementation Sustainable Finance [OJK E.5]
Tahun 2021 merupakan tahun kedua bagi Perseroan 2021 is the second year for the Company to
menerapkan keuangan berkelanjutan sebagaimana implement sustainable finance as regulated in POJK
diatur dalam POJK Nomor 51/POJK.03/2017. Sesuai Number 51/POJK.03/2017. In accordance with article
dengan pasal 8 peraturan tersebut, dukungan terhadap 8 of the regulation, support for sustainable finance
keuangan berkelanjutan bagi Perusahaan Publik antara for Public Companies can be done, among others by
lain bisa dilakukan dengan mengalokasikan sebagian allocating a portion of the Social and Environmental
dana Tanggung Jawab Sosial dan Lingkungan (TSJL) Responsibility (TSJL) funds to organize programs or
untuk menyelenggarakan program atau kegiatan yang activities that are in line with sustainable finance. The
selaras dengan keuangan berkelanjutan. Perseroan Company realizes CSR through various Corporate Social
mewujudkan TJSL melalui berbagai program Corporate Responsibility (CSR) programs.
Social Responsibility (CSR).
Selama tahun pelaporan, masalah signifikan yang During the reporting year, the Company faced
dihadapi Perseroan dalam menjalankan program CSR, significant problems in carrying out CSR programs. The
dampak yang timbul dan solusi yang diambil adalah following table presents impacts arisen and solutions
sebagai berikut: taken by the Company:
Masalah yang Dihadapi Dampak yang Timbul Solusi yang Diambil

Problem Impact Solution
Koordinasi antara Kantor • Perbedaan persepsi mengenai • Membagi penanggung jawab dari Kantor Pusat
Pusat dengan Regional/ pemahaman Internal Memo Kegiatan untuk menjelaskan kembali maksud Internal
Cabang/Kapos yang diberikan Memo Kegiatan yang akan dilaksanakan
Coordination between Head • Penggunaan dana yang terkadang • Penanggung jawab Kantor Pusat selalu monitor
Office with Regional/Branch/ melebihi dari budget yang telah progress penggunaan dana kegiatan melalui
Kapos Office ditentukan koordinator
• Differences in perception regarding the • Divide the person in charge from the Head Office
Internal Memo about understanding of to re-explain the purpose of the Internal Memo of
activities to be carried out Activities to be carried out
• The use of funds that sometimes exceeds the • The person in charge of the Head Office always
predetermined budget monitors the progress of the use of activity funds
through the coordinator
Terbatasnya sumber daya Kurang efektifnya implementasi kegiatan Mengkonfirmasi pimpinan di Regional/Cabang/
di Regional/Cabang/Kapos CSR Kapos untuk menunjuk koordinator dan
Limited resources at Less effective implementation of CSR activities menggerakkan karyawan lainnya agar dapat
Regional/Branch/Kapos berpartisipasi dalam kegiatan CSR tersebut
Office Confirm leaders at Regional/Branch/Kapos Office to
appoint coordinator and encourage other employees
to participate in the CSR activities.
Kurangnya inisiatif dari Kurangnya relasi Regional/Cabang/Kapos Sosialisasi berkala kepada perwakilan Regional/
Regional/Cabang/Kapos dengan pemangku kepentingan setempat Cabang/Kapos serta membuat challenge untuk
mengenai program CSR yang dapat mempengaruhi branding lokal meningkatkan partisipasi dari Regional/Cabang/
Regional/Branch/Kapos Less interactive Regional/Branch/Kapos Office Kapos
Office Unconcern on CSR with the local stakeholders has had an impact Regular dissemination to representative of Regional/
program on local branding. Branch/Kapos Office and offer challenge to encourage
Regional/Branch/Kapos Office involvement

.01 .02 .03 .04
Selain melalui pembiayaan TJSL, implementasi In addition to TJSL financing, the implementation of
keuangan berkelanjutan juga diwujudkan Perseroan sustainable finance is also realized by the Company
melalui program-program prioritas yang disampaikan through priority programs that are stated in the 2021
dalam Rencana Aksi Keuangan Berkelanjutan (RAKB) Sustainable Finance Action Plan (RAKB). During the
Tahun 2021. Selama tahun pelaporan, masalah reporting year, the Company faced significant problems
signifikan yang dihadapi dalam menjalankan program in implementing RAKB priority programs. The following
prioritas dalam RAKB, dampak yang timbul dan solusi table presents impacts arisen and solustions taken by
yang diambil adalah sebagai berikut: the Company:
Masalah yang Dihadapi Dampak yang Timbul Solusi yang Diambil

Problem Impact Solution
Prinsip karyawan yang ingin bekerja Melakukan campaign program Aksi

Penggunaan kertas dan energi secara
cepat dan praktis Keuangan Berkelanjutan
tidak bijak
Employee principle to work quickly and Carry out Sustainable Finance Action
Unwise use of paper and energy
practically program campaign
Melakukan campaign penggunaan
Masih banyaknya karyawan yang energi secara bijak, pengurangan kertas
Kurangnya kepedulian karyawan dalam menggunakan plastik sekali pakai, dan plastik serta membuat challenge
beraktivitas terhadap dampak yang kertas sekali pakai dan menggunakan yang berkaitan dengan perilaku ramah
akan ditimbulkan pada lingkungan lampu di siang hari lingkungan
Employee unconcern on doing activities that Many employees still use disposable plastic Carry out a campaign to use energy
are impactful to environment and paper materials and turn on lights wisely, reduce paper and plastic and create
during the day challenges related to environmentally
friendly behavior
Menyediakan drop box untuk
Masih adanya kebutuhan Perseroan
menyimpan kertas bekas yang masih
yang mengharuskan karyawan
Penggunaan kertas baru masih cukup bisa digunakan dan melakukan
menggunakan kertas dalam
tinggi campaign pengurangan kertas bekas
pekerjaannya
The use of new paper is still high Provide a drop box to store used paper that
The Company still requires employees to
can still be used and conduct a waste paper
work on paper
reduction campaign
Mengajak karyawan Perseroan secara
Seringkali karyawan mengabaikan
Digital poster atau program Aksi personal melalui chat dan mengunggah
informasi mengenai program Aksi
Keuangan Berkelanjutan yang poster atau program di instagram
Keuangan Berkelanjutan melalui email
dijalankan seringkali terlewat oleh internal Perseroan
blast
karyawan Invite the Company's employees personally
Employee frequently ignore information on
Employees often disregard digital poster or through chat and upload posters or
Sustainable Finance Action through email
Sustainable Finance Action programs programs on the Company's internal
blast
Instagram

.05 .06 .07
Momentum Untuk Meraih Kinerja Terbaik

Momentum to Achieve Best Performance
Total pembiayaan Perseroan tahun 2021 sebesar Rp4,14 triliun, naik signifikan
dibandingkan tahun 2020, yang mencapai sebesar Rp2,40 triliun dengan kontribusi
terbesar dari Pembiayaan Multiguna Barang dengan produk motor baru
The Company's total financing in 2021 was Rp4.14 trillion, a significant increase compared to 2020 of
Rp2.40 trillion. The largest contribution came from Multipurpose Goods Financing with
new motorcycle products
Perekonomian global mulai menggeliat pada tahun The global economy has started recovering in 2021.
2021. Hal itu tidak terlepas dari komitmen bersama This condition is high influenced by the commitment
warga dunia, termasuk di dalamnya para pemimpin of world citizens, consisting of state leaders, scientists,
negara, saintis, korporasi, pemuka agama dan corporations, religious leaders and other parties, to
sebagainya, untuk bersama-sama mengendalikan jointly control the Covid-19 spread. These efforts
penyebaran virus corona. Upaya tersebut membawa have come to fruition, although the virus spread has
hasil, meski belum sepenuhnya penyebaran virus not yet been fully controlled. Moreover, during its
tersebut terkendali. Terlebih, dalam perkembangannya, development, the virus contained mutations thus new
virus tersebut mengalami mutasi sehingga muncul variants such as Delta and Omicron emerged.
berbagai varian baru, seperti Delta, Omicron dan
sebagainya.
Terdeteksi pertama kali pada tahun 2019, corona virus First detected in 2019, Covid-19 spread continues to
diseases 2019 (Covid-19) terus menyebar dan meluas expand, causing a global pandemic during 2020 and
sehingga memicu terjadinya pandemi global selama 2021. In fact, until 2022, the Covid-19 pandemic is not
tahun 2020 dan 2021. Bahkan, hingga tahun 2022, expected to fully subdue. The efforts to stop the spread
pandemi Covid-19 diperkirakan belum benar-benar are indeed challenging, but various efforts at the
berlalu. Upaya memutus penyebaran virus corona global level, especially the discovery of various vaccines
memang tidak mudah, namun berbagai upaya di and mass vaccine rollout for almost all age groups, have
tingkat global, terutama penemuan berbagai vaksin raised he world’s citizens optimism that the Covid-19
dan vaksinasi massal untuk hampir semua kelompok pandemic will slowly be handled.
umur, membuat warga dunia optimistis bahwa pandemi
Covid-19 pelan-pelan akan tertangani.
Pencapaian kolektif di tingkat global dalam menangani Collective achievements at the global level in dealing
pandemi Covid-19 mendapatkan apresiasi dari berbagai with the Covid-19 pandemic have gained appreciation
kalangan. Apalagi, secara faktual, keberhasilan itu from various groups. Moreover, factually, this success
telah membuat perekonomian dunia yang semula lesu has raised the world economy once again. For this
kembali bergairah. Sebab itu, lembaga ekonomi dunia, reason, world economic institutions, such as the World
seperti Bank Dunia dan Dana Moneter Internasional Bank and the International Monetary Fund (IMF),
(IMF), memprediksi perekonomian dunia akan tumbuh predict the world economy will grow positively. The
positif. Bank Dunia memprediksi ekonomi global tahun World Bank predicted that the global economy grew
2021 akan tumbuh 5,6%, sedangkan prediksi terbaru 5.6% in 2021. Meawnhile, IMF’s latest prediction was
IMF menyebut angka 5,9%. at 5.9%.
Berkaitan dengan pertumbuhan ekonomi, IMF cukup With regard to economic growth, IMF is quite
berhati-hati dalam merilis proyeksi. Sebelum menyebut prudent in releasing its projections. Prior to its latest
angka 5,9% sebagaimana disampaikan dalam Laporan prediction of 5.9% in the October 2021 edition of the

.01 .02 .03 .04
World Economic Outlook edisi Oktober 2021, lembaga World Economic Outlook Report, this institution had
ini sempat merilis angka pertumbuhan sebesar 6,0% released a growth rate of 6.0% in last July. The decline
pada Juli lalu. Penurunan proyeksi antara lain dipicu in projections was influenced, among others, by the
kemunculan varian virus corona, yaitu varian Delta emergence of a Covid-19 variation, the Delta variant
yang penyebarannya sangat cepat, lebih ganas dan than spreads rapidly and it is more virulent and deadly
lebih mematikan dibanding varian lain sehingga than other variants, posing a threat to health and
menjadi ancaman bagi kesehatan dan kemanusiaan. humanity. Despite lowering its projection for 2021,
Walau menurunkan proyeksi untuk tahun 2021, namun IMF has not changed its projection for global economic
IMF tidak mengubah proyeksi pertumbuhan ekonomi growth in 2022 of 4.9%.
global tahun 2022, yaitu sebesar 4,9% .
Tak hanya merevisi pertumbuhan ekonomi global, In addition to revising global economic growth, the
peningkatan risiko global penyebaran varian Delta, increasing global risk of the Delta variant spread, along
ditambah isu gangguan supply di negara-negara maju, with supply disruptions in developed countries, become
menjadi alasan bagi IMF untuk merevisi pertumbuhan the reasons for IMF to revise economic growth in the
ekonomi Amerika Serikat dan Tiongkok. Dua negara United States and China. The two countries with the
dengan perekonomian terbesar dunia itu mendapatkan world’s largest economies had a downward revision
revisi ke bawah untuk outlook pertumbuhannya, to their growth outlook, projected to grow 6.0% and
masing-masing diproyeksikan tumbuh 6,0% dan 8,0% 8.0% respectively in 2021.
di tahun 2021.
Adapun untuk negara-negara ASEAN-5 (Indonesia, As for the ASEAN-5 countries (Indonesia, Thailand,
Thailand, Vietnam, Filipina dan Malaysia), lembaga Vietnam, Philippines and Malaysia), the international
internasional itu menurunkan proyeksi dengan laju institution lowered its projection for a growth rate of
pertumbuhan tahun 2021 hanya sebesar 2,90% atau 2021 to only 2.90%, a decrease of 1.40% points (pp)
turun 1,40% point (pp) dari proyeksi sebelumnya from the previous projection by 4.30%. In addition to
sebesar 4,30%. Selain kemunculan varian Delta, the emergence of the Delta variant, the decline in the
penurunan proyeksi juga didasarkan pada jangkauan projection is based on the relatively low vaccination
vaksinasi yang relatif masih rendah dibandingkan coverage compared to developed countries.
dengan negara-negara maju .
Sebagai anggota ASEAN-5, pertumbuhan Indonesia juga As a member of ASEAN-5, Indonesia’s growth projection
mengalami penurunan proyeksi, yaitu berada pada angka has also decreased, at 3.20% compared to the IMF’s
3,20% dibandingkan dengan proyeksi IMF pada Juli 2021 projection in July 2021 of 3.90%. Indonesia has a slight
sebesar 3,90%. Walau Indonesia mengalami penurunan decline in projection compared to other ASEAN-5
proyeksi, namun tidak sedalam negara-negara ASEAN-5 countries. Economic growth projections for Thailand
lainnya. Proyeksi pertumbuhan ekonomi untuk Thailand are 1.00% (decreased by 1.1 pp), Malaysia 3.50%
sebesar 1,00% (turun 1,1 pp), Malaysia 3,50% (turun 1,2 (decreased by 1.2 pp), Philippines 3.20% (decreased by
pp), Filipina 3,20% (turun 2,2 pp) dan Vietnam 3,80% 2.2 pp) and Vietnam 3.80% (decreased by 2.7 pp).
(turun 2,7 pp).
Menanggapi proyeksi IMF tersebut, otoritas resmi Responding to the IMF projection, the official Indonesian
Indonesia menyatakan akan terus mewaspadai berbagai authorities said they would continue to be aware
risiko global yang terjadi. Untuk itu, Indonesia akan of the various global risks. Therefore, Indonesia will
terus berupaya untuk meningkatkan kapabilitas dalam continually strive to improve its capabilities in handling
penanganan pandemi dan menjaga kewaspadaan the pandemic and maintaining vigilance by remaining
dengan tetap disiplin pada protokol kesehatan serta terus disciplined in health protocols and always successing
menyukseskan program vaksinasi. Sebagai gambaran, the vaccination program. For instance, as of October

.05 .06 .07
per 12 Oktober 2021, total vaksinasi Indonesia mencapai 12, 2021, Indonesia’s total vaccinations reached 157.93
157,93 juta dosis (28,87% terhadap populasi), dimana million doses (28.87% of the population), of which the
dosis pertama mencapai 100,32 juta dosis (36,68%) dan first dose reached 100.32 million doses (36.68%) and
dosis kedua 57,61 juta dosis (21,06%). the second dose reached 57.61 million doses (21.06%).
Upaya meningkatkan cakupan vaksininasi dan berbagai Various efforts to increase vaccination coverage and
kebijakan pemerintah lainnya, menjadi momentum other government policies, become the momentum
pemulihan ekonomi Indonesia dan trennya semakin for Indonesia’s economic recovery and the trend is
menguat. Hal itu terlihat dari berbagai indikator getting stronger. It is reflected from various economic
ekonomi, seperti mobilitas penduduk yang kembali indicators, such as population mobility with positive
tumbuh positif dan Purchasing Managers Index growth and the Manufacturing Purchasing Managers
(PMI) manufaktur yang kembali ke level ekspansif. Index (PMI) that has returned to expansionary levels.
Berdasarkan faktor-faktor tersebut, maka pemerintah Based on these factors, the government of Indonesia
Indonesia optimistis pertumbuhan ekonomi Indonesia shares its optimism that Indonesia’s economic growth
tahun 2021 masih bisa berada di kisaran 3,70 - 4,50%. in 2021 still may be in the range of 3.70-4.50%.
Optimisme itu terjawab sebagaimana data terbaru This optimism was reflected in the latest data released
yang dirilis Badan Pusat Statistik (BPS) pada 7 Februari by Central Bureau of Statistics on February 7, 2022. It
2022, yang menunjukkan bahwa pertumbuhan ekonomi showed that Indonesia's economic growth in 2022 was
Indonesia tahun 2022 tercatat sebesar 3,69%, lebih recorded at 3.69%, higher than the achievement in
tinggi dibanding capaian tahun 2020 yang mengalami 2020 with a growth contraction of 2.07%. [GRI 103-1]
kontraksi pertumbuhan sebesar 2,07 persen. [GRI 103-1]
Pertumbuhan Produk Domestik Bruto (PDB) 2015-2021

Growth of Gross Domestic Product (GDP) 2015-2021
(persen | percent)
5,07 5,17
4,88 5,03 5,02 3,69
-2,07
2015 2016 2017 2018 2019 2020 2021
Sumber: Berita Resmi Statistik BPS, 7 Februari 2022

Source : BPS Statistics Official News, February 7, 2022
Pertumbuhan ekonomi di sepanjang tahun 2021 tak Economic growth throughout 2021 was closely related
lepas dari kinerja pertumbuhan ekonomi kuartal IV- to the performance of economic growth in the fourth
2021 yang mencapai 5,02% yoy, setelah pada kuartal quarter of 2021 reaching 5.02% yoy, after growing
III-2021 tumbuh 3,51% yoy. Selanjutnya, pada kuartal 3.51% yoy in the third quarter of 2021. Furthermore, in
II-2021 tumbuh 7,07% yoy, sedangkan pada kuartal the second quarter of 2021, it grew 7.07% yoy, while in
I-2021 masih berada di zona negatif 0,71% yoy. the first quarter of 2021 it was still negative 0.71% yoy.

.01 .02 .03 .04
Kinerja Industri Pembiayaan [GRI 103-1]

Performance of Financing Industry [GRI 103-1]
Badan Pusat Statistik (BPS) menggunakan 17 lapangan Central Bureau of Statistics uses 17 business sectors
usaha dalam menyusun dan menghitung angka as indicators in compiling and calculating Indonesia's
pertumbuhan ekonomi Indonesia yang dilaporkan economic growth figures, which are reported quarterly.
setiap triwulan. Selama tahun 2021, tercatat 16 During 2021, 16 business sectors recorded positive
lapangan usaha yang mencatakan pertumbuhan positif growth and 1 contracted business field, namely
dan 1 lapangan usaha terkontraksi yaitu Administrasi Government Administration, Defense and Mandatory
Pemerintahan, Pertahanan dan Jaminan Sosial Wajib. Social Security. Among the 16 business fields, Financial
Di antara 16 lapangan usaha yang tumbuh positif Services grew positively, including the financing
tersebut adalah Jasa Keuangan, termasuk di dalamnya industry, reaching 1.56%. Despite the positive growth,
industri pembiayaan, yaitu mencapai 1,56%. Walau this achievement is lower than in 2020 with its 3.25%
tumbuh positif, namun pencapaian tersebut lebih growth.
rendah dibanding tahun 2020, yang pertumbuhannya
mencapai 3,25%.

.05 .06 .07
Tren membaiknya industri pembiayaan sebagai bagian Some parties revealed the uptrend of financing
dari lapangan usaha jasa keuangan pada tahun industry as part of the financial services sector in 2021
2021 dibanding tahun sebelumnya diungkapkan compared to the previous year. Financial Services
oleh sejumlah kalangan. Otoritas Jasa Keuangan Authority stated that new booking multifinance has
menyebutkan pembiayaan baru atau new booking increased to above Rp23 trillion per month, especially
multifinance nilainya telah meningkat menjadi di atas after the PPnBM incentives started in March 2021. If
Rp23 triliun per bulan, terutama setelah dimulainya the average per month is Rp23 trillion, by the end of
insentif PPnBM sejak Maret 2021. Apabila rata-rata per the year the accumulation will reach Rp276 trillion. This
bulan sebesar Rp23 triliun, maka hingga akhir tahun achievement exceeded the financing in 2020, which
akan terakumulasi menjadi Rp276 triliun. Pencapaian was Rp250.3 trillion.
tersebut melampaui pembiayaan tahun 2020, yaitu
Dalam kesempatan diskusi internal antara Gabungan On an internal discussion between the Association of
Industri Kendaraan Bermotor Indonesia (Gaikindo) Indonesia Automotive Industries (Gaikindo) and the
dengan Asosiasi Perusahaan Pembiayaan Indonesia Indonesia Finance Services Association (APPI), Gaikindo
(APPI), Gaikindo menyatakan optimis bahwa target shared its optimism that the initial wholesales target
awal wholesales sebesar 750.000 unit di sepanjang of 750,000 units throughout 2021 would be easily
2021 akan dengan mudah terlampaui karena beragam exceeded due to various supporting factors. Among
faktor pendukung. Salah satunya saat ini mobil sudah others, the current high demand of car as the necessity
merupakan kebutuhan selaras dengan tersedianya is in line with the availability of better toll road facilities.
sarana jalan tol yang kian bagus.
Sikap optimis juga disampaikan oleh manajemen The management of the Association of Indonesia
Asosiasi Industri Sepeda Motor Indonesia (AISI), yang Motorcycle Industry (AISI) showed this optimism,
memproyeksikan akan terjadi peningkatan penjualan projecting an increase in sales of 17-26% year on
17-26% year on year (YoY) dibanding tahun 2020 atau year (YoY) compared to 2020 or from 3.6 million units
dari 3,6 juta unit kendaraan bermotor ke 4,3 s/d 4,6 of motor vehicles to 4.3 to 4.6 million units. This is a
juta unit. Target tersebut dinilai realistis karena hingga realistic target because until August 2021, motorcycle
Agustus 2021, penjualan sepeda motor sudah terealisasi sales recorded 3.2 million units, an increase of 32.1%
sebanyak 3,2 juta unit, naik 32,1% year on year (YoY). year on year (YoY).
Optimisme Gaikindo dan AISI merupakan kabar This shared optimism by Gaikindo and AISI becomes
baik bagi lembaga pembiayaan. Sebab, sebagian a breath of fresh air since most consumers or cars
besar konsumen atau pembeli mobil dan motor and motorbikes buyers use credit installments as the
menggunakan sistem kredit. Gaikindo menyebut lebih payment method. Gaikindo stated that more than 70%
dari 70% pembeli mobil menggunakan kredit sehingga of car buyers use credit installments thus they need to
perlu kerja sama dengan lembaga pembiayaan. cooperate with financing institutions.

.01 .02 .03 .04
Kinerja Perusahaan
The Company's Performance
Pandemi Covid-19 merupakan tantangan tersendiri The Covid-19 pandemic becomes a challenge for the
bagi Perseroan sebagai pelaku pasar di industri Company as a market player in the financing industry.
pembiayaan. Untuk meminimalkan dampak akibat In order to minimize the impact due to pandemic and to
pandemi, sekaligus upaya untuk bisa bertahan, bahkan survive and further develop the business, the Company
mengembangkan usaha, Perseroan telah mengambil has taken some policies and strategic initiatives. Those
serangkaian kebijakan dan inisiatif strategis. Di include centralizing credit and operational processes,
antaranya, Perseroan menjalankan sentralisasi optimizing productivity and effectiveness of marketing
kredit dan proses operasional, mengoptimalkan and billing, developing digitalization and expanding
produktivitas dan efektivitas marketing dan penagihan, the network of cooperation with third parties regarding
mengembangkan digitalisasi serta memperluas jaringan installment payments from consumers. [GRI 103-2]
kerja sama dengan pihak ketiga terkait pembayaran
angsuran dari konsumen. [GRI 103-2]
Untuk mempermudah konsumen membayar angsuran, To facilitate consumers to pay installments, the Company
saat ini Perseroan telah bekerja sama dengan sejumlah currently collaborates with many marketplaces such
marketplace seperti DANA, Bukalapak, Shopee, Gobills, as DANA, Bukalapak, Shopee, Gobills, Link Aja and
Link Aja dan Tokopedia. Perseroan juga telah bekerja Tokopedia. The Company also collaborates with
sama dengan PT Bank Maybank Indonesia Tbk (MBI) PT Bank Maybank Indonesia Tbk (MBI) in payment
dalam layanan pembayaran melalui QRIS (Quick services through QRIS (Quick Response Code Indonesia
Respons Code Indonesia Standard). Tak hanya itu, Standard). Further, the Company cooperates with
Perseroan juga menggandeng minimarket, dompet minimarkets, digital wallets, POS Indonesia and
digital, POS Indonesia dan perbankan. banking institutions.
Upaya sentralisasi dan digitalisasi proses serta terus The Company will continually carry out centralization
menambah mitra digital sebagai kanal distribusi, akan and digitalization of processes, as well as addition of
terus dilakukan oleh Perseroan sebagai upaya untuk digital partners as distribution channels in order to
lebih mendekatkan kepada konsumen. Untuk itu, tak get closer to consumers. For Therefore, in addition to
hanya e-commerce, Perseroan juga menggandeng mitra e-commerce, the Company cooperates with automotive
marketplace otomotif seperti oto.com dan Moladin marketplace partner such as oto.com and Moladin
fintech aggregator seperti cekaja.com dan sebagainya. fintech aggregator such as cekaja.com and other names.
Di sisi lain, untuk memudahkan Perseroan mengetahui On the other hand, to help the Company in knowing
profil konsumen, sistem proses kredit Perseroan telah customer profiles, the Company’s credit processing
terkoneksi dengan data Dukcapil. system has been connected to Dukcapil data.
Koneksi dengan Dukcapil juga memberikan manfaat Connection with Dukcapil also provides other benefits,
lain diantaranya bisa menerapkan e-KYC (Electronic including being able to implement e-KYC (Electronic
Know Your Customer). Melalui e-KYC, maka proses Know Your Customer). Through e-KYC, verifying
verifikasi data calon konsumen dapat menjadi lebih prospective customer data can done faster and more
cepat dan akurat, sekaligus meminimalkan risiko accurate, while minimizing the risk of errors that are
kesalahan yang biasanya ditemukan dalam proses usually found in manual verification such as writing
manual seperti penulisan karakter pada nama, nomor characters in names, identification numbers and others.
induk kependudukan dan sebagainya.

.05 .06 .07
Sejalan dengan kebijakan digitalisasi, Perseroan juga In line with the digitalization policy, the Company also
terus meningkatkan kualitas karyawannya. Dalam hal continually improves the quality of its employees. In this
ini, Perseroan telah berhasil menerapkan work by virtual regard, the Company has succeeded in implementing
dalam rapat, training, sosialisasi dan aktivitas operasional work by virtual in meetings, training, socialization and
bagi karyawan. Kebijakan online training sebagai operational activities for employees. The online training
langkah penyesuaian adanya pandemi Covid-19 yang bisa policy as an adjustment to the Covid-19 pandemic has
diselenggarakan dengan intensif terbukti hasilnya lebih proven to be better than the previous method, namely
baik dibanding metode sebelumnya, yaitu training tatap face-to-face training. It also has a possibility to be
muka langsung. [GRI 103-2] carried out intensively. [GRI 103-2]
Perseroan secara kontinu melakukan sosialisasi berbagai The Company continuously disseminated these strategic
kebijakan strategis tersebut dan menjadikannya sebagai policies and made them a momentum to build a culture
momentum untuk membangun budaya keberlanjutan. of sustainability. All of the Company’s personnel
Selanjutnya, segenap insan Perseoran menerapkan berbagai implemented those strategic policies during 2021 and
kebijakan strategis tersebut di atas selama tahun 2021 dan those brought good results. In the reporting year, the
membawa hasil yang baik. Pada tahun pelaporan, Perseroan Company managed to record a positive performance
berhasil membukukan kinerja positif dan melampaui and surpassed the previous year’s achievement, as
pencapaian tahun sebelumnya, sebagaimana ditunjukkan shown in the following table: [GRI 103-3] [OJK F.1, OJK
dalam tabel berikut: [GRI 103-3] [OJK F.1, OJK F.2] F.2]
Tabel Perbandingan Target dan Realisasi Tahun 2019-2021

Table of Comparison of Targets and Realizations for 2019-2021
2021 2020 2019

Uraian Satuan
Description Unit Realisasi Realisasi Realisasi
Target Target Target
Realization Realization Realization
Pendapatan Dalam Juta

Rupiah 1.615.210 1.570.983 2.087.121 2.000.850 2.723.772 2.643.687
Revenues In Rp Million
Beban Dalam Juta

Rupiah 1.493.542 1.415.739 2.034.246 1.906.895 2.413.058 2.272.621
Expenses In Rp Million
Dalam
Pembiayaan Miliar
4.392 4.141 3.822 2.396 7.632 5.791
Financing Rupiah
In Rp Billion
Aset Dalam Juta

Rupiah 5.183.984 5.151.084 5.713.089 5.283.702 9.047.704 8.271.170
Assets In Rp Million
Ekuitas Dalam Juta

Rupiah 1.253.606 1.333.647 1.145.524 1.213.345 1.338.380 1.370.577
Equity In Rp Million
Liabilitas Dalam Juta

Rupiah 3.930.378 3.817.437 4.567.565 4.070.357 7.709.324 6.900.593
Liabilities In Rp Million
Laba Bersih Dalam Juta

Rupiah 89.297 110.610 35.099 57.378 230.004 259.671
Net Income In Rp Million

.01 .02 .03 .04
Sesuai dengan tabel tersebut, rincian kinerja Perseroan In accordance with the table, the details of the Company
tahun 2021 disampaikan sebagai berikut: performance in 2021 are presented as follows:
PENDAPATAN REVENUES
Untuk tahun yang berakhir pada tanggal 31 Desember For the year ended December 31, 2021, revenue was
2021, pendapatan tercatat sebesar Rp1,57 triliun, turun recorded at Rp1.57 trillion, decreased by Rp0.43 trillion
sebesar Rp0,43 triliun dibandingkan tahun 2020, yang compared to the revenue in 2020 of Rp2.00 trillion. The
mencapai sebesar Rp2,00 triliun. Penurunan dipengaruhi decrease was influenced by the average of consumer
oleh faktor rata-rata piutang pembiayaan konsumen yang financing receivables managed throughout 2021
dikelola sepanjang tahun 2021 mengalami penurunan which decreased compared to 2020. Revenue in 2021
dibandingkan tahun 2020. Pencapaian pendapatan tahun was 97.26% of the target set in the 2021 Company’s
2021 merupakan 97,26% dari target yang ditetapkan Business Plan amounting to Rp1.62 trillion. The total
dalam Rencana Bisnis Tahunan tahun 2021 sebesar Rp1,62 revenue that did not exceed the target was due to the
triliun. Belum tercapainya target pendapatan disebabkan realization of financing in 2021 below the target of the
oleh realisasi pembiayaan tahun 2021 masih dibawah RBT in 2021.
target RBT tahun 2021.
BEBAN EXPENSES
Untuk tahun yang berakhir pada tanggal 31 Desember For the year ended December 31, 2021, expenses were
2021, beban tercatat sebesar Rp1,42 triliun, turun recorded at Rp1.42 trillion, a decrease of Rp0.49 trillion
sebesar Rp0,49 triliun dibandingkan tahun 2020, yang compared to 2020 of Rp1.91 trillion. The decrease in
mencapai Rp1,91 triliun. Penurunan beban dipengaruhi expenses was influenced by the efficiency in all components
oleh faktor efisiensi di semua komponen beban, kecuali of expenses, except other expenses which increased by
beban lain-lain yang mengalami peningkatan sebesar Rp11 billion. The total expenses for 2021 are 94.79% of
Rp11 miliar. Total beban selama tahun 2021 tersebut the target in the 2021, amounting to Rp1.49 trillion. The
merupakan 94,79% dari target dalam RBT tahun success in fulfilling the expenses below the target is caused
2021, yaitu sebesar Rp1,49 triliun. Tercapainya realisasi by the Company's ability to manage expenses.
beban di bawah target disebabkan oleh kemampuan
Perseroan untuk mengelola beban selama tahun 2021.
PEMBIAYAAN FINANCING
Selama tahun 2021, Perseroan mencatatkan During 2021, the Company recorded financing of
pembiayaan sebesar Rp4,14 triliun, naik sebesar Rp1,74 Rp4.14 trillion, an increase of Rp1.74 trillion compared
triliun dibandingkan tahun 2020, yang mencapai to 2020 of Rp2.40 trillion.

.05 .06 .07
ASET ASSETS
Per 31 Desember 2021, aset Perseroan tercatat sebesar As of December 31, 2021, the Company's assets were
Rp5,15 triliun, turun sebesar Rp0,13 triliun dibandingkan recorded at Rp5.15 trillion, a decrease of Rp0.13 trillion
tahun 2020, yang mencapai sebesar Rp5,28 triliun. compared to 2020, which reached Rp5.28 trillion. The
Penurunan aset dipengaruhi oleh penurunan kas decrease in assets was influenced by a decrease in cash
dan setara kas per 31 Desember 2021 dibandingkan and cash equivalents as of December 31, 2021 compared
per 31 Desember 2020. Hal ini disebabkan Perseroan to December 31, 2020. It was due to the Company
mengelola kas dan setara kas secara efisien untuk dapat managing cash and cash equivalents efficiently to reduce
mengurangi biaya bunga yang ditanggung Perseoran. interest costs borne by the Company. The achievement
Pencapaian aset tahun 2021 tersebut merupakan of assets in 2021 is 99.37% of the target set in the 2021
99,37% dari target yang ditetapkan dalam RBT tahun RBT of Rp5.18 trillion. It is a positive indication that the
2021 sebesar Rp5,18 triliun. Hal ini merupakan sinyal Company has carried out its commitment to managing
positif bahwa Perseroan telah menjalan komitmen assets in accordance with the 2021 RBT.
untuk mengelola aset sesuai RBT tahun 2021.
EKUITAS EQUITY
Perseroan mencatatkan ekuitas per 31 Desember The Company recorded equity as of December 31,
2021 sebesar Rp1,33 triliun, naik sebesar Rp0,12 triliun 2021 at Rp1.33 trillion, an increase of Rp0.12 trillion
dibandingkan tahun 2020, yang mencapai sebesar compared to 2020 of Rp1.21 trillion. The increase in
Rp1,21 triliun. Kenaikan ekuitas dipengaruhi oleh equity was because the Company successfully achieved
pencapaian laba tahun berjalan tahun 2021 yang income for the year 2021 of Rp110.61 million. The
berhasil dicatatkan oleh Perseroan sebesar Rp110,61 equity in 2021 was 106.38% of the target set in the
miliar. Pencapaian ekuitas tahun 2021 tersebut 2021 RBT of Rp1.25 trillion. The achievement of the
merupakan 106,38% dari target yang ditetapkan dalam equity target was due to the achievement of income
RBT tahun 2021 sebesar Rp1,25 triliun. Tercapainya for the year 2021 of 123.87% of the target set in the
target ekuitas disebabkan Pencapaian laba tahun 2021 RBT.
berjalan tahun 2021 sebesar 123,87% dari target yang
ditetapkan dalam RBT Tahun 2021.
LIABILITAS LIABILITIES
Per 31 Desember 2021, liabilitas Perseroan tercatat As of December 31, 2021, the Company's liabilities were
sebesar Rp3,82 triliun, turun sebesar Rp0,25 triliun recorded at Rp3.82 trillion, a decrease of Rp0.25 trillion
dibandingkan tahun 2020, yang mencapai sebesar compared to 2020 of Rp4.07 trillion.
Rp4,07 triliun.

.01 .02 .03 .04
LABA BERSIH NET INCOME
Perseroan telah berupaya secara maksimal untuk The Company has made the best efforts to realize
mewujudkan target kinerja sebagaimana disampaikan the performance targets as stated in the 2021 RBT.
dalam RBT tahun 2021. Upaya tersebut membuahkan Net income as of December 31, 2021 was Rp110.61
hasil dengan pencapaian laba bersih per 31 Desember billion, an increase of Rp53.23 billion compared to
2021 sebesar Rp110,61 miliar, naik sebesar Rp53,23 2020 of Rp57.38 billion. The increase in net income
miliar dibandingkan tahun 2020, yang mencapai Rp57,38 was influenced by financing in 2021, which increased
miliar. Kenaikan laba bersih dipengaruhi oleh faktor by Rp1.74 trillion or 72.84% compared to financing in
pembiayaan tahun 2021 mengalami peningkatan sebesar 2020. The income for the year 2021 was 123.87% of
Rp1,74 triliun atau 72,84% dibandingkan pembiayaan the target set in the 2021 RBT of Rp89.30 billion. The
tahun 2020. Pencapaian laba tahun berjalan tahun achievement of the net income target was due to the
2021 tersebut merupakan 123,87 % dari target yang Company’s success in managing total expenses below
ditetapkan dalam RBT tahun 2021 sebesar Rp89,30 miliar. the 2021 RBT target reaching 94.79%.
Tercapainya target laba bersih disebabkan oleh Perseroan
berhasil mengelola total beban dibawah target RBT 2021
atau pencapaian sebesar 94,79%.
Portofolio Kredit Menurut Segmen Usaha 2019 – 2021

Credit Portfolio by Business Segment in 2019 – 2021
2021 2020 2019 Pertumbuhan

Uraian
(%)
Description
Unit % Unit % Unit % Growth (%)
Konvensional
212.404 99,88% 131.214 100,00% 343.689 96,78% 61,88%
Conventional
Syariah
253 0,12% 0,00% 0,00% 11.406 3,21% 100,00%
Sharia
Jumlah
212.657 100,00% 131.214 100,00% 355.095 100,00% 62,07%
Total
Selama tahun pelaporan, segmen konvensional During the reporting year, the conventional segment
tetap merupakan penopang utama portofolio kredit remained the main pillar of the Company’s credit
Perseroan dibanding segmen syariah. portfolio compared to the sharia segment.

Adapun nilai pembiayaan Perseroan selama tahun The Company’s financing value for 2019-2021 is
2019-2021 disajikan dalam tabel berikut: presented in the following table:
Nilai Pembiayaan Perseroan 2019 – 2021

The Company Financing Value of 2019-2021
Dalam Juta Rupiah | In Rp Million
Pertumbuhan
2021 2020 2019 (%)
Financing Activity Product Name
Growth (%)

Pembiayaan Multiguna 1.407.807 790.302 2.702.397 78,14%
New Motorcycle Financing
Barang
13 32.248 177.692 -99,96%

.05 .06 .07
Pertumbuhan
2021 2020 2019 (%)
Financing Activity Product Name
Growth (%)
Pembiayaan Multiguna
MotorKu
1.094.492 652.912 1.410.282 67,63%
Multipurpose Service Financing
Pembiayaan Multiguna Jasa MotorKu
Multipurpose Services Fasilitas Dana MotorKu
Financing 111 259 0 -56,94%
Funding Facility MotorKu
Pembiayaan Multiguna
MobilKu
482.207 752.989 1.500.292 -35,96%
Multipurpose Service Financing
MobilKu
771.433 126.655 0 509,08%
Sale and Leaseback MobilKu 76.562 11.431 0 569,78%
Pembiayaan Modal Kerja 257.103 15.881 0 1.518,91%
Sale and Leaseback MobilKu 49.405 12.948 0 281.56%
Pembiayaan Syariah Motor
Baru 0 0 0 0,00%
Murabahah)
Sale and Purchase Financing Pembiayaan Syariah Logam
("Murabahah" Contracts) Mulia “MasKu”
1.372 0 0 100%
Financing
Jumlah
4.140.505 2.395.625 5.790.663 72.84%
Total
Sesuai tabel di atas, total pembiayaan Perseroan tahun According to the table, the Company’s total financing
2021 adalah sebesar Rp4,14 triliun, naik dibandingkan in 2021 was Rp4.14 trillion, an increase compared to
tahun 2020, yang mencapai sebesar Rp2,40 triliun. 2020, which reached Rp2.40 trillion.

.01 .02 .03 .04
Distribusi Nilai Ekonomi

Distribution of Economic Value
Berdasarkan kinerja di atas, maka pencapaian nilai ekonomi Based on the above performance the generated direct
langsung yang dihasilkan, nilai ekonomi yang didistribusikan economic value, the distributed economic value and the
dan nilai ekonomi yang ditahan Perseroan bisa dipetakan. Nilai retained economic value by the Company can be mapped.
ekonomi langsung yang dihasilkan adalah pendapatan yang The generated direct economic value is the income obtained
diperoleh dari hasil kegiatan bisnis Perseroan. Sedangkan, from the results of the Company’s business activities.
nilai ekonomi yang didistribusikan merupakan berbagai Meanwhile, the distributed economic value represents
pengeluaran oleh Perseroan sebagai kontribusi untuk various expenditures by the Company as a contribution to
meningkatkan laju pertumbuhan ekonomi dan kesejahteraan increase the pace of economic growth and the welfare of
para pemangku kepentingan, seperti pembayaran gaji, stakeholders, such as payment of salaries, taxes, dividends
pajak, dividen dan pembayaran untuk pemasok, maupun and payments to suppliers, as well as the realization of funds
realisasi dana untuk masyarakat sebagai penerapan Program for the community as the implementation of the Social and
Corporate Social Responsibility (CSR). Adapun nilai ekonomi Environmental Responsibility (TJSL) Program or Corporate
yang ditahan adalah selisih antara nilai ekonomi yang Social Responsibility (CSR) Program. The retained economic
dihasilkan dikurangi dengan nilai ekonomi yang didistribusikan value is the difference between the resulting economic
yang digunakan untuk pengembangan usaha Perseroan. Nilai value reduced by the distributed economic value. It is used
ekonomi langsung yang dihasilkan, distribusikan dan ditahan for the Company’s business development. The details of
Perseroan tahun 2021 selengkapnya adalah sebagai berikut: direct economic value generated, distributed and retained
[GRI 103-3, 201-1] by the Company in 2021 is as follows: [GRI 103-3, 201-1]
Tabel Distribusi Nilai Ekonomi Tahun 2019-2021

Table of Economic Value Distribution in 2019-2021
Dalam Juta Rupiah | In Rp Million
Uraian
2021 2020 2019
Description
Nilai Ekonomi Langsung yang Dihasilkan
Generated Direct Economic Value
Pembiayaan Konsumen, Modal Usaha dan Sewa Pembiayaan - Neto 1.241.703 1.588.206 2.073.049
Consumer Financing, Capital Financing and Finance Lease - Net
Pendapatan Bunga 8.310 33.406 35.625
Interest Income
Pendapatan Administrasi 83.750 73.467 175.357
Administration Income
Pendapatan lainnya 237.220 305.771 359.656
Other Income
Jumlah Nilai Ekonomi Langsung yang Dihasilkan 1.570.983 2.000.850 2.643.687
Total Direct Economic Value Generated
Nilai Ekonomi Langsung yang Didistribusikan
Distributed Direct Economic Value
Umum dan Administrasi 501.731 568.520 736.503
General and Administratives
Gaji dan Tunjangan 307.953 344.523 440.393
Salaries and Benefits
Biaya Bunga 326.380 541.185 645.867
Interest Expenses
Pembayaran Dividen 0 77.315 61.419
Dividends
Pembayaran kepada Pemerintah (PPh dan PPN) 44.634 36.577 111.395
Payment to the Government (Income Tax and VAT)
Penyaluran Dana CSR Bagi Masyarakat 3.139 2.432* 2.939
CSR Fund Disbursement
Jumlah Nilai Ekonomi Langsung Didistribusikan 1.183.837 1.570.552 1.998.516
Total Direct Economic Value Distributed
Nilai Ekonomi yang Disimpan 387.146 430.298 645.171
Total Economic Value Retained
*) Biaya penyaluran dana CSR bagi masyarakat tahun 2020 merupakan realisasi biaya baik yang terlaksana maupun tidak terlaksana
*) The cost of CSR funds distribution to the community in 2020 included the realization costs of both implemented and not implemented activities

.05 .06 .07
Kontribusi kepada Negara

Contribution to States
Sebagai bagian dari entitas bisnis di Indonesia, As part of a business entity in Indonesia, the Company
Perseroan berkomitmen untuk berkontribusi dalam is committed to contributing to development through
pembangunan melalui ketaatan dalam pembayaran compliance with tax payments. During 2021, the
pajak. Selama tahun 2021, Perseroan telah mematuhi Company complied with all regulations and fulfilled
semua peraturan dan memenuhi kewajiban pajak its tax obligations in accordance with applicable laws
sesuai dengan hukum dan peraturan yang berlaku. and regulations. Therefore, the Company did not
Dengan demikian, Perseroan tidak menerima receive any warnings or significant sanctions related to
peringatan apapun atau sanksi signifikan terkait taxation until December 31, 2021 from the regulator.
dengan perpajakan sampai dengan 31 Desember 2021
dari regulator.
Tabel Kontribusi untuk Negara

Table of Contribution to the States
dalam Juta Rupiah | in Rp Million
Uraian
2021 2020 2019
Description
Pembayaran pajak pendapatan maupun retribusi

lainnya 19.103 85.647 62.302
Payment of income tax and other levies
Jumlah
19.103 85.647 62.302
Total

.01 .02 .03 .04
BERGERAK BERSAMA
MEMBERDAYAKAN MASYARAKAT
Moving Together Empowering Community
Partisipasi aktif masyarakat merupakan kunci agar program-program CSR yang

diselenggarakan Perseroan berjalan dengan baik dan memberikan manfaat
sebesar-besarnya
The active participation of the community is the key so that the Company’s CSR programs run well
and provide the maximum benefit
Perseroan menyadari bahwa keberlanjutan usahanya The Company realizes that the sustainability of its
sangat dipengaruhi oleh terjalinnya hubungan yang business is strongly influenced by the establishment of a
baik dan saling menguntungkan antara Perseroan good and mutually beneficial relationship between the
dengan para pemangku kepentingan, baik internal Company and the internal and external stakeholders.
maupun eksternal. Di antara pemangku kepentingan One of which is the communities surrounding the
eksternal utama adalah masyarakat di sekitar wilayah Company’s operational areas. Due to its strategic
operasional Perseroan. Oleh karena posisinya yang position, the Company is committed to building a
begitu strategis, maka Perseroan berkomitmen untuk harmonious relationship with the local community. In
membangun hubungan yang harmonis dengan line with that, the Company fully strives to brings real
masyarakat. Sejalan dengan itu, Perseroan berupaya benefits to the community. [GRI 103-1]
semaksimal mungkin agar keberadaannya membawa
manfaat yang nyata bagi masyarakat. [GRI 103-1]
Selama tahun pelaporan, Perseroan telah melakukan During the reporting year, the Company has taken
berbagai langkah nyata agar keberadaannya bermanfaat various concrete measures to be beneficial to
bagi masyarakat. Antara lain, membuka lapangan kerja/ the community. Those include open recruitment
rekrutmen secara terbuka sehingga masyarakat setempat opportunities thus the local community can take part in
bisa turut ambil bagian di dalamnya. Melalui seleksi yang it. Through a fair selection, selected candidates can join
fair, mereka yang memenuhi syarat bisa bergabung dan and become the Company’s employees. In fact, along
menjadi karyawan Perseroan. Bahkan, seiring dengan with the time and the process of career development,
jalannya waktu dan proses pengembangan karier, sangat opportunities are available for them to occupy positions
terbuka peluang bagi mereka untuk menduduki posisi di at the management level. [OJK F.23]
level manajemen. [OJK F.23]
Langkah konkret yang lain adalah Perseroan Another concrete measure is organizing various
menyelenggarakan berbagai kegiatan pemberdayaan community empowerment activities as the
masyarakat sebagai implementasi Tanggung Jawab implementation of Social and Environmental
Sosial dan Lingkungan (TJSL) melalui Program Tanggung Responsibility (TJSL) through the Corporate Social
Jawab Sosial Perusahaan (CSR). Langkah berikutnya yang Responsibility (CSR) Program. Further, the Company
tak kalah penting adalah Perseroan membuka saluran opens a complaint channel for the public to submit
pengaduan yang bisa dimanfaatkan oleh masyarakat complaint regarding negative impact from the
apabila terdapat dampak negatif dari operasional company’s operations. Through this channel, each
Perseroan. Dengan adanya saluran pengaduan tersebut, complaint can be traced to the root cause of the
maka setiap pengaduan bisa dirunut sumber masalahnya, problem and can get the best alternative solution.
sekaligus dicarikan alternatif penyelesaian terbaik.

.05 .06 .07
KEBIJAKAN CSR CSR POLICY

Secara umum, pelaksanaan program CSR Perseroan In general, the implementation of the Company’s CSR
mengacu pada regulasi yang berlaku di Indonesia, antara program refers to applicable regulations in Indonesia.
lain, Undang-Undang Nomor 40 Tahun 2007 tentang Those include Law Number 40 of 2007 concerning
Perseroan Terbatas, Undang-Undang Republik Indonesia Limited Liability Companies, Law of the Republic of
Nomor 25 Tahun 2007 tentang Penanaman Modal, Indonesia Number 25 of 2007 concerning Investment,
Peraturan Pemerintah Nomor 47 tahun 2012 tentang Government Regulation Number 47 of 2012 concerning
Tanggung Jawab Sosial dan Lingkungan (TJSL) Perseroan Social and Environmental Responsibility (TJSL) of Limited
Terbatas, beserta peraturan-peraturan turunannya. Secara Liability Company, along with its derivative regulations.
khusus, Perseroan telah memiliki kebijakan internal tentang In particular, the Company has an internal policy
pelaksanaan tanggung jawab sosial bidang pengembangan regarding the implementation of social responsibility
sosial dan kemasyarakatan, yaitu Surat Kebijakan in social and community development, namely Policy
087/SKB/CORSEC/07-19 tentang Bantuan Sosial Perusahaan. 087/SKB/CORSEC/07-19 concerning Corporate Social
Dalam implementasi di lapangan, Perseroan merealisasikan Assistance. In implementation in the field, the Company
program pengembangan dan pemberdayaan masyarakat realizes community development and empowerment
sebagai bagian pelaksanaan CSR yang berfokus pada programs as part of its CSR implementation that focuses
bidang pendidikan, kesehatan, pemberdayaan masyarakat, on education, health, community empowerment, social
sosial dan lingkungan. [GRI 103-2] and environment. [GRI 103-2]
Berbagai program CSR yang diadakan Perseroan The Company holds various CSR programs as a support
sekaligus merupakan bentuk dukungan terhadap for the achievement of the Sustainable Development
pencapaian Tujuan Pembangunan Berkelanjutan Goals (SDGs), as adopted by the Indonesian government
(Sustainable Development Goal-SDGs), sebagaimana into SDGs Indonesia (http://sdgsindonesia.or.id/). This
diadopsi pemerintah Indonesia ke dalam SDGs Indonesia support has also been mandated in the Financial
(http://sdgsindonesia.or.id/). Dukungan tersebut telah Services Authority Regulation Number 51/POJK.03/2017
pula diamanatkan dalam Peraturan Otoritas Jasa concerning the Implementation of Sustainable Finance
Keuangan Nomor 51/POJK.03/2017 tentang Penerapan for Financial Services Institutions, Issuers and Public
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Companies. As a financial services institution in financing
Emiten dan Perusahaan Publik. Sebagai Lembaga Jasa and a public company, the Company is required to
Keuangan di bidang pembiayaan, sekaligus Perseroan implement this regulation as of January 1, 2020.
publik, Perseroan dikenai kewajiban untuk menerapkan
peraturan ini per 1 Januari 2020.

.01 .02 .03 .04
ORGANISASI PELAKSANA CSR CSR IMPLEMENTING ORGANIZATION

Seluruh kegiatan CSR Perseroan dikelola oleh All CSR activities of the Company are managed by the
Departemen Corporate Service and Communication Corporate Service and Communication Department is
yang bertanggung jawab kepada Corporate Secretary in charge of managing all the Company CSR activities.
dengan bagan struktur organisasi sebagai berikut: It is responsible to the Corporate Secretary with the
following organizational structure chart:
Struktur Pengelola Kegiatan Tanggung Jawab Sosial Perusahaan

Organizational Structure Of The Company’s CSR
Corporate Secretary
Financial Planning & Investor Relation Division

Head
Corporate Services & Communication

Department Head
CSR & Event

Corporate Services Public Communication
Management Section
Section Head Specialist
Head
CSR & Event

Corporate Services Staff
Management Staff
Untuk mendapatkan program CSR terbaik dan sesuai To implement the best CSR program according to the
dengan kebutuhan masyarakat, terlebih dulu Perseroan needs of the community, the Company first conducts
melakukan komunikasi dan diskusi untuk mengetahui communication and discussions to find out the needs
kebutuhan masyarakat. Selain itu, program-program of the local community. In addition, the programs
yang diselenggarakan Perseroan juga merupakan organized by the Company are decisions and
keputusan dan kebijakan yang diambil berdasarkan policies taken based on the study results of various
hasil pengkajian dari berbagai proposal kegiatan yang activity proposals submitted by various segments of
diajukan oleh berbagai segmen masyarakat. Dengan community. Through such an approach, the Company
pendekatan tersebut, selanjutnya Perseroan melibatkan will involve the community and other stakeholders
masyarakat dan pemangku kepentingan lainnya untuk to actively participate in realizing selected CSR
turut berpartisipasi aktif dalam mewujudkan program- programs. In this case, the Company believes that
program CSR terpilih. Dalam hal ini, Perseroan meyakini the active participation of the community is the key
bahwa partisipasi aktif masyarakat merupakan kunci thus the programs can run well and provide the full
agar program-program yang telah direncanakan dapat benefit to the local community. [GRI 103-3]
berjalan dengan baik dan memberikan manfaat yang
sebesar-besarnya bagi masyarakat setempat. [GRI 103-3]

.05 .06 .07
Selama tahun pelaporan, salah satu fokus kegiatan CSR During the reporting year, public health becomes one
Perseroan adalah bidang kesehatan masyarakat. Hal itu of the focuses of the Company’s CSR activities. This is
tidak terlepas dari situasi di Tanah Air yang masih dalam closely related to the situation in the country due to the
suasana pandemi Covid-19 dan berbagai pemangku Covid-19 pandemic and various stakeholders, including
kepentingan, termasuk kalangan dunia usaha, the business participants, work together to control
secara bersama-sama atau bergotong royong untuk the Covid-19 spread. Apart from public health, the
mengendalikan penyebaran virus corona tersebut. Company continually organizes other CSR programs
Di luar bidang kesehatan masyarakat, Perseroan juga in education, community empowerment, social affairs
tetap menyelenggarakan program-program CSR lain di and environment.
bidang pendidikan, pemberdayaan masyarakat, sosial
dan lingkungan.
REALISASI CSR DAN DUKUNGAN TERHADAP TPB CSR REALIZATION AND SUPPORT FOR SDG [OJK F.3]
[OJK F.3]
Selama tahun 2021, Perseroan menganggarkan biaya In 2021, the Company allocated Rp2.10 billion for the
CSR sebesar Rp2,10 miliar. Dari jumlah itu, per 31 CSR program. As of December 31, 2021, the amount the
Desember 2021, terealisasi sebesar Rp3,13 miliar atau Company spent for its CSR program was Rp3.13 billion
150% dari anggaran yang digunakan untuk membiayai or 150% of the budget set. This included financing six
sebanyak enam kelompok kegiatan. Berdasarkan groups, each of which conducted different activities.
penyerapan dana yang ada, porsi terbesar adalah Based on the fund absorption, the largest portion was
implementasi program Bidang Sosial dan Lingkungan for implementing the social and environmental sector
sebesar Rp2,31 miliar atau 73,38%, Bidang Kesehatan program at Rp2.31 billion or 73.38%, followed by
Rp546,26 juta (17,34%), Bidang Pendidikan Rp137,20 Rp546.26 million (17.34%) for the health sector, Rp137.20
(4,35%), Bidang Pemberdayaan Masyarakat Rp43,58 (4.35%) for the education sector, Rp43.58 million (1.28%)
juta (1,28%), Program Green Lifestyle S.E.E.N Rp10,52 for community empowerment, Rp10.52 million (0.33%)
juta (0,33%) dan Bantuan Karyawan Rp90,25 juta for SEEN green lifestyle program and Rp90.25 million
(2,86%) . [GRI 103-3] (2.86%) for employee assistance. [GRI 103-3]
Sejalan dengan berlakunya POJK Nomor In line with the enactment of POJK Number
51/POJK.03/2017, dalam menjalankan program CSR, 51/POJK.03/2017, in carrying out CSR programs, the
Perseroan telah pula memetakan dukungan program- Company has mapped the support of these programs
program tersebut terhadap 17 Tujuan Pembangunan to the 17 Sustainable Development Goals (SDGs) in
Berkelanjutan (TPB) di Indonesia. Dalam hal ini, Indonesia. In this case, the Company sets priorities for
Perseroan menyusun prioritas TPB atau Sustainable Sustainable Development Goals (SDGs) by analyzing the
Development Goals (SDGs) dengan menganalisa risiko risks and impacts arising from these CSR activities. Based
dan dampak yang ditimbulkan dari kegiatan-kegiatan on the monitoring and evaluation by the Company, CSR
CSR tersebut. Berdasarkan monitoring dan evaluasi yang activities in 2021 have supported 12 of 17 SDGs. This
diselengggarakan Perseroan, kegiatan CSR tahun 2021 support also shows that the implementation of various
telah mendukung 12 dari 17 TPB. Dukungan tersebut CSR programs has proven to bring positive benefits to
sekaligus menunjukkan bahwa implementasi berbagai the community around the company’s operations. These
program CSR terbukti membawa manfaat positif bagi benefits include developing infrastructure, meeting
masyarakat di sekitar operasional Perseroan. Manfaat community needs and increasing public insight.
tersebut di antaranya pengembangan infrastruktur, [OJK F.23]
pemenuhan kebutuhan masyarakat dan meningkatkan
wawasan masyarakat. [OJK F.23]

.01 .02 .03 .04
Rincian kegiatan, pembiayaan dan dukungan pogram Details of CSR program activities, financing and support
CSR terhadap TPB selengkapnya disampaikan dalam for SDGs are presented in the following table: [GRI 103-
tabel berikut: [GRI 103-3, 203-1, 203-2][OJK F.25] 3, 203-1, 203-2][OJK F.25]
Tabel Kegiatan, Pembiayaan dan Dukungan CSR terhadap TPB Tahun 2021
Table of Activities, Financing and CSR Support for SDGs in 2021
Alokasi Dana
Jenis Kegiatan
(dalam juta
CSR Tujuan Pembangunan Tanggal
Rupiah) Capaian
No Types of CSR Berkelanjutan Pelaksanaan
Budget Achievement
Activities Sustainable Development Goals Date
Allocation
(in Rp million)
Bidang Sosial dan Lingkungan
Social and Environment
CSR Imlek • TPB ke-2: Mengakhiri
Kelaparan Pemberian sembako kepada
Sumatera Bagian
6 Februari 2021 Panti Asuhan Bersama Kita di
Utara • TPB ke-10: Mengurangi
1 5,00 February 6, 2021 Medan
Northern Sumatra Ketimpangan
Providing basic necessities to
Lunar New Year • SDG 2: Zero Hunger Bersama Kita Orphanage in Medan
CSR • SDG 10: Reduced Inequality
Pemberian bantuan operasional
• TPB ke-3: Kesehatan yang berupa dana tunai, kebutuhan
Kunjungan Sosial Baik dan Kesejahteraan obat-obatan dan vitamin untuk
ke Yayasan Tri • TPB ke-10: Mengurangi anak-anak disabilitas beserta
16 Februari 2021
2 Asih Ketimpangan 35,19 pengurus yang terkena Covid-19
February 16, 2021
Social Visit to Tri • SDG 3: Good Health and Providing operational assistance
Asih Foundation Well-being of cash, medicines and vitamins
• SDG 10: Reduced Inequality for children with disabilities and
administrators infected by Covid-19
Pemberian bantuan berupa
sembako kepada masyarakat
di 5 lokasi sekitar cabang Daan
• TPB ke-2: Mengakhiri Mogot, 4 lokasi sekitar cabang
Kelaparan 23 - 26 Februari Cikarang dan 3 lokasi sekitar
Bantuan Banjir
• TPB ke-10: Mengurangi 2021 cabang Karawang
3 Jakarta 14,35
Ketimpangan February 23-26, Providing basic food necessities
Jakarta Flood Relief
• SDG 2: Zero Hunger 2021 to the communities in 5 locations
• SDG 10: Reduced Inequality around the Daan Mogot branch,
4 locations around the Cikarang
branch and 3 locations around the
Karawang branch
Telah dilaksanakan penanaman
TPB ke-13: Penanganan 11.000 pohon dalam rangkaian
Perubahan Iklim kegiatan HUT Perseroan ke
Penanaman TPB ke-15: Menjaga 23 - 26 Februari 39 tahun di 15 lokasi yang
11.000 Pohon Ekosistem Darat 221,43 2021 dilaksanakan oleh 8 cabang dan
4
Planting 11,000 SDG 13: Climate Change February 23-26, Kantor Pusat
Trees Management 2021 Planting 11,000 trees in a series
SDG 15: Maintaining Land of activities for the Company 39th
Ecosystem Anniversary in 15 locations carried
out by 8 branches and Head Office

.05 .06 .07
Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Telah dilaksanakan di 39
Kecamatan di sekitar 8 cabang
dan Kantor Pusat. Kegiatan
dilaksanakan dalam rangka
menyambut HUT Perseroan
• TPB ke-3: Kesehatan yang ke 39 tahun sekaligus bentuk
Baik dan Kesejahteraan kepedulian Perseroan terhadap
Bantuan Pandemi • TPB ke-10: Mengurangi tingginya kasus Covid-19.
5 – 20 Maret 2021
Covid-19 Bantuan yang diberikan berupa
5 Ketimpangan 111,36 March 5 – 20,
Covid-19 Pandemic alat sanitasi
• SDG 3: Good Health and 2021
Assistance It was implemented in 39 sub-
Well-being districts around 8 branches and
• SDG 10: Reduced Inequality head office. It was carried out
to celebrate the Company 39th
anniversary and as a form of the
Company's concern for the surge in
Covid-19 cases. The assistance was
in the form of sanitation equipment
• TPB ke-2: Mengakhiri
Donasi Sayur Kelaparan Selama 1 tahun sudah melakukan
untuk Janda dan • TPB ke-10: Mengurangi panen sebanyak 28 kali dimana
Dhuafa bersama Ketimpangan total berat seluruh hasil panen
Yayasan Pulo • TPB ke-12: Konsumsi sebanyak 302 kg yang telah
Februari 2021 –
Kambing diberikan kepada 302 keluarga di
dan Produksi yang Februari 2022
6 Donation of 24,96 sekitar Yayasan Pulo Kambing
Bertanggungjawab February 2021 –
Vegetable for For a year, the vegetable has been
• SDG 2: Zero Hunger February 2022
Widows and harvested 28 times with the total
Dhuafa with • SDG 10: Reduced Inequality harvest of 302 kg and it has been
Pulo Kambing • SDG 12: Responsible given to 302 families around the
Foundation Consumption and Pulo Kambing Foundation
Production
Telah memberikan berbagai
• TPB ke-3: Kesehatan yang macam alat terapi yang
Baik dan Kesejahteraan dibutuhkan oleh kedua
Kunjungan
• TPB ke-10: Mengurangi 24 Maret dan 9 yayasan disabilitas. Kegiatan ini
ke Yayasan
April 2021 merupakan rangkaian kegiatan
7 Disabilitas Ketimpangan 19,24
March 24 and April HUT Perseroan ke-39 tahun
Visit to Foundation • SDG 3: Good Health and 9, 2021 The Company provided various
for Disability Well-being therapy tools for two disability
• SDG 10: Reduced Inequality foundations. It is a series of activities
for the Company 39th anniversary.
Telah memberikan 3.900
• TPB ke-2: Mengakhiri hampers ramadhan kepada janda
Kelaparan dan dhuafa di 43 lokasi sekitar
• TPB ke-10: Mengurangi 21 April – 10 Mei 17 cabang Perseroan dan Kantor
2021 Pusat
8 Ramadhan 1442 H Ketimpangan 584,60
April 21 – May 10, The Company gave 3,900 Ramadan
• SDG 2: Zero Hunger 2021 hampers to the widows and
• SDG 10: Reduced Inequality underprivileged in 43 locations
around 17 Company's branches and
Head Office

.01 .02 .03 .04
Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Kelaparan
• TPB ke-10: Mengurangi Telah didistribusikan sebanyak
Ketimpangan 2.400 bungkus daging qurban di
• TPB ke-12: Konsumsi 14 Kantor cabang Perseroan dan
dan Produksi yang 21 – 23 Juli 2021 2 lokasi sekitar Kantor Pusat
9 Idul Adha 1442 H 324,84
Bertanggungjawab July 21 – 23, 2021 The Company distributed 2,400
• SDG 2: Zero Hunger packs of qurban meat in 14
• SDG 10: Reduced Inequality Company's Branch Offices and 2
• SDG 12: Responsible locations around Head Office
Consumption and
Production
• TPB ke-1: Menghapus
Kemiskinan
Kelaparan
• TPB ke-5: Kesetaraan
Gender Telah menyumbangkan 17
• TPB ke-8: Pekerjaan instalasi beserta kebutuhan
Pembuatan Layak dan Pertumbuhan hidroponik lainnya di 16 lokasi
Instalasi Ekonomi 14 – 27 Agustus sekitar cabang Perseroan dan
Hidroponik
• TPB ke-12: Konsumsi 2021 Kantor Pusat
10 WOMunity 194,46
dan Produksi yang August 14 – 27, The Company donated 17
WOMunity
Bertanggungjawab 2021 installations along with other
Hydroponic
• SDG 1: No Poverty hydroponic needs in 16 locations
Installation
• SDG 2: Zero Hunger around Company's branches and
• SDG 5: Gender Equality Head Office
• SDG 8: Decent Work and
Economic Growth
• SDG 12: Responsible
Consumption and
Production
Telah menyumbangkan 600 box
• TPB ke-2: Mengakhiri makanan kepada 600 pekerja
Kelaparan harian lepas yang terkena
13, 20, 27 Agustus
dampak Covid-19 di sekitar
Pembagian Nasi • TPB ke-10: Mengurangi dan 3 September
Cabang Denpasar, Yogyakarta
Box Ketimpangan 2021
11 17,38 dan Pekanbaru
Distribution of Rice • SDG 2: Zero Hunger August 13, 20, 27
The Company donated 600
Box • SDG 10: Reduced Inequality and September 3,
boxes of food to 600 casual daily
2021
workers affected by Covid-19
around Denpasar, Yogyakarta and
Pekanbaru Branches
Telah membantu 100 anak
yang ingin melakukan khitan di
Tangerang, Bekasi dan Jakarta
dimana Perseroan bekerjasama
TPB ke-3: Kesehatan yang
10 , 17, 25-30 dengan Badan Amil Zakat
Baik dan Kesejahteraan
Khitanan Massal Oktober 2021 Nasional (BAZNAS)
12 SDG 3: Good Health and Well- 102,48
Mass Circumcision October 10, 17, The Company helped 100 children
being
25-30, 2021 to do circumcision in Tangerang,
Bekasi and Jakarta that the
Company collaborated with
the Amil Zakat National Agency
(BAZNAS) to do this activity

.05 .06 .07
Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Telah dibangun MCK beserta
tempat wudhu di sekitar
• TPB ke-6: Akses Air Bersih Cabang Serang dengan proses
dan Sanitasi pembuatan selama 1 bulan
Pembangunan • TPB ke-9: Infrastruktur, dimana Perseroan bekerjasama
Sumur Wakaf Industri dan Inovasi 30 Oktober 2021 dengan Aksi Cepat Tanggap
13 125,90
Waqaf Well • SDG 6: Clean Water and October 30, 2021 The Company built toilets and
Construction Sanitation ablution places around the Serang
• SDG 9: Infrastructure, Branch with a manufacturing
Industry and Innovation process for 1 month that the
Company collaborated with Aksi
Cepat Tanggap to do this activity
• TPB ke-3: Kesehatan yang
CSR Hari AIDS Memberikan bantuan kebutuhan
• TPB ke-10: Mengurangi
Sedunia 1 Desember 2021 harian Yayasan Lentera di Solo
14 Ketimpangan 11,18
World AIDS Day December 1, 2021 Providing assistance for the daily
• SDG 3: Good Health and
CSR needs of Lentera Foundation in Solo
Well-being
• SDG 10: Reduced Inequality
Kelaparan
Telah memberikan kebutuhan
harian kepada korban banjir
Bantuan Banjir Baik dan Kesejahteraan
bandang Garut melalui BPBD
Bandang Garut • TPB ke-10: Mengurangi 3 Desember 2021
15 69,60 Garut
Assistance for Ketimpangan December 3, 2021
The Company provided daily
Garut Flash Flood • SDG 2: Zero Hunger
necessities to the victims of Garut
• SDG 3: Good Health and
flash flood through Garut BPBD
Well-being
CSR Distribusi • TPB ke-2: Mengakhiri Telah memberikan sembako

Sembako untuk Kelaparan kepada 25 anak yatim di daerah
Anak Yatim • TPB ke-10: Mengurangi 4 Desember 2021 Sukabumi
16 7,52
CSR of Basic Food Ketimpangan December 4, 2021 The Company provided basic
Distribution for • SDG 2: Zero Hunger necessities to 25 orphans in
Orphans • SDG 10: Reduced Inequality Sukabumi

Kelaparan
Telah memberikan kebutuhan
harian kepada korban erupsi
Bantuan Erupsi Baik dan Kesejahteraan
10 Desember Gunung Semeru melalui BPBD
Gunung Semeru • TPB ke-10: Mengurangi
2021 Lumajang
17 Assistance of Ketimpangan 61,43
December 10, The Company provided daily
Mount Semeru • SDG 2: Zero Hunger
2021 necessities to the victims of Mount
Eruption • SDG 3: Good Health and
Semeru eruption through Lumajang
Well-being
BPBD
Telah mendistribusikan 2.400

CSR Natal Tahun hampers natal di 25 yayasan atau
Kelaparan 13 – 31 Desember
2021 panti asuhan/disabilitas nasrani
• TPB ke-10: Mengurangi 2021
18 2021 Christmas 368,76 The Company distributed 2,400
Ketimpangan December 13 – 31,
CSR Christmas hampers in 25 Christian
• SDG 2: Zero Hunger 2021
foundations for orphans and
disabled people

.01 .02 .03 .04
Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Bidang Pendidikan
Education
Gender
• TPB ke-8: Pekerjaan Peserta yang mengikuti webinar
Webinar Layak dan Pertumbuhan ini sebanyak 75 orang yang
Persiapan Masuk Ekonomi merupakan siswa SMK di
Kerja 24 Maret 2021 Tangerang dan sekitarnya
1 • TPB ke-10: Mengurangi 1,93
Webinar of March 24, 2021 There were 75 participants in this
Preparation for Ketimpangan seminar. Those were vocational
Work • SDG 5: Gender Equality students in Tangerang and its
• SDG 8: Decent Work and surroundings
Economic Growth
• TPB ke-4: Pendidikan
Bermutu Peserta yang mengikuti
Webinar Public • TPB ke-5: Kesetaraan webinar ini sebanyak 50 orang
Speaking for Gender yang merupakan guru SMK di
Teacher • TPB ke-10: Mengurangi 3 Juni 2021 Tangerang dan sekitarnya
2 5,46
Webinar of Public Ketimpangan June 3, 2021 There were 50 participants in this
Speaking for • SDG 4: Quality Education seminar. Those were vocational high
Teacher • SDG 5: Gender Equality school teachers in Tangerang and its
• SDG 10: Reduced Inequality surroundings

Webinar PHBS • TPB ke-4: Pendidikan Peserta yang mengikuti webinar
"Tips Menjaga Bermutu ini sebanyak 80 orang yang
Kebersihan Diri" merupakan murid Sekolah Dasar
• TPB ke-5: Kesetaraan 27 Juli 2021
3 "Tips for 11,14 di Jakarta
Gender July 27, 2021
Maintaining There were 80 participants in this
Personal Hygiene" • SDG 3: Good Health and seminar. Those were elementary
PHBS Webinar Well-being students in Jakarta
• SDG 4: Quality Education
• SDG 5: Gender Equality
Baik dan Kesejahteraan Peserta yang mengikuti webinar
Webinar • TPB ke-4: Pendidikan ini sebanyak 80 orang yang
"Generasi Bermutu merupakan murid Sekolah SMP
Millenial Anti
• TPB ke-5: Kesetaraan 28 Juli 2021 di wilayah Jakarta dan Bogor
4 Narkoba" 6,26
Gender July 28, 2021 There were 80 participants in this
"Millenial
• SDG 3: Good Health and seminar. Those were junior high
Generation Against
Well-being schools students in Jakarta and
Drugs” Webinar
• SDG 4: Quality Education Bogor

.05 .06 .07
Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Dalam rangka memperingati
Hari Kesehatan Jantung Sedunia,
Perseroan bekerja sama dengan
dua rumah sakit di wilayah
Jakarta untuk melaksanakan
Talkshow Talkshow Kesehatan Jantung
Baik dan Kesejahteraan 28-29 September
Kesehatan dengan sasaran pasien atau
SDG 3: Good Health and Well- 2021
5 Jantung 14,96 pendamping pasien di dua
being September 28-29,
Heart Health rumah sakit tersebut
2021
Talkshow In commemoration of World
Heart Health Day, the Company
collaborated with two hospitals
in Jakarta to held a Heart Health
Talkshow targeting patients or their
chaperones in those two hospitals
Perseroan telah mendistribusikan
1000 buku bacaan, diantaranya
500 untuk TBM Bahari Cerdas
dan 500 lainnya kepada TBM
disekitar Perseroan yang
Bermutu
bekerjasama dengan Wahana
Donasi Buku • TPB ke-10: Mengurangi 21 Oktober 2021
6 30,33 Artha Group
Book Donation Ketimpangan October 21, 2021
In collaboration with Wahana Artha
Group, the Company distributed
1000 books, including 500 books
for Bahari Cerdas library and
another 500 books for libraries
around the Company.
Baik dan Kesejahteraan Peserta yang mengikuti webinar
• TPB ke-4: Pendidikan 26 Oktober dan ini sebanyak 150 orang yang
Webinar Bermutu 11 November merupakan murid Sekolah SD
Anti Bullying • TPB ke-5: Kesetaraan 2021 dan SMK di wilayah Jakarta
7 14,63
Anti-Bullying Gender October 26 and There were 150 participants in this
Webinar • SDG 3: Good Health and November 11, seminar. Those were elementary and
Well-being 2021 vocational high schools students in
• SDG 4: Quality Education Jakarta
Peserta yang mengikuti webinar
ini sebanyak 75 orang yang
Webinar Self Bermutu 23 November
merupakan mahasiswa dari
Affirmation • TPB ke-5: Kesetaraan 2021
8 6,78 berbagai universitas
Self Affirmation Gender November 23,
75 participants took part in this
Webinar • SDG 3: Good Health and 2021
webinar, consisting of students from
Well-being
various university

.01 .02 .03 .04
Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
• TPB ke-4: Pendidikan Perseroan telah memberikan
Bermutu bantuan pendidikan berupa
Bantuan Siswa
• TPB ke-5: Kesetaraan pembayaran SPP dan peralatan
Sekolah di 25 November
Gender sekolah kepada 17 anak yatim di
Sukabumi 2021
9 • TPB ke-10: Mengurangi 11,05 wilayah Sukabumi
Assistance for November 25,
Ketimpangan The Company provided educational
Students in 2021
• SDG 4: Quality Education assistance of tuition payments and
Sukabumi
• SDG 5: Gender Equality school equipment to 17 orphans in
• SDG 10: Reduced Inequality Sukabumi
Perseroan telah memberikan
• TPB ke-4: Pendidikan 150 bantuan pendidikan berupa
Bermutu peralatan sekolah kepada 90
Bantuan • TPB ke-5: Kesetaraan anak di Bandung dan Cirebon
Pendidikan Anak Gender 15-17 Desember serta 60 anak di Jatibarang dan
Yatim 2021 Tasikmalaya
10 • TPB ke-10: Mengurangi 24,65
Educational December 15-17, The Company provided 150
Assistance for Ketimpangan 2021 educational assistance of school
Orphans • SDG 4: Quality Education equipment to 90 children in
• SDG 5: Gender Equality Bandung and Cirebon and to
• SDG 10: Reduced Inequality 60 children in Jatibarang and
Tasikmalaya
• TPB ke-4: Pendidikan Perseroan telah memberikan
Bermutu 60 bantuan pendidikan berupa
Bantuan • TPB ke-5: Kesetaraan peralatan sekolah kepada 60
Pendidikan Anak Gender 28 Desember
anak di wilayah Tegal dan
Yatim 2021
11 • TPB ke-10: Mengurangi 10,00 Purworejo
Educational December 28,
Ketimpangan The Company provided 60
Assistance for 2021
• SDG 4: Quality Education educational assistance of school
Orphans
• SDG 5: Gender Equality equipment to 60 children in Tegal
• SDG 10: Reduced Inequality and Purworejo
Bidang Kesehatan
Health
Gender Dalam rangka menyambut HUT
Renovasi • TPB ke-9: Infrastruktur, Perseroan ke 39, Perseroan
Posyandu Industri dan Inovasi melakukan renovasi 8 posyandu
Intergrated • TPB ke-10: Mengurangi 6-23 Maret 2021 di 8 cabang Perseroan
1 246,19
Health Service Ketimpangan March 6-23, 2021 In celebrating the Company
Post (Posyandu) • SDG 3: Good Health and 39th Anniversary, the Company
Renovation Well-being renovated 8 posyandu in 8
• SDG 5: Gender Equality Company's branches
• SDG 9: Infrastructure,
Industry and Innovation

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Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Dalam rangka menyambut HUT
Perseroan ke 39, Perseroan
memberikan multivitamin kepada
Donasi
TPB ke-3: Kesehatan yang seluruh konsumen yang datang
Multivitamin
Baik dan Kesejahteraan ke seluruh cabang Perseroan pada
untuk Konsumen 23 Maret 2021
2 SDG 3: Good Health and 97,30 tanggal 23 Maret 2021
Multivitamin March 23, 2021
Well-being In celebrating the Company 39th
Donation for
Anniversary, the Company provided
Consumers
multivitamin to all consumers who
came to all Perseroan branches on
March 23, 2021
Telah didistribusikan 3.000 pack
Donasi
TPB ke-3: Kesehatan yang multivitamin untuk anak yang
Multivitamin
Baik dan Kesejahteraan dibagikan ke 6 Kecamatan
Anak 26-30 Juli 2021
3 SDG 3: Good Health and 154,94 di Jakarta
Multivitamin July 26-30, 2021
Well-being The Company distributed 3,000
Donation for
pack of multivitamin to children in
Children
6 Districts in Jakarta
Telah didistribusikan alat
• TPB ke-3: Kesehatan yang pelindung diri berupa hazmat,
Distribusi Alat Baik dan Kesejahteraan masker medis dan sarung tangan
• TPB ke-10: Mengurangi 16 September
Pelindung Diri medis kepada salah satu rumah
2021
4 Distribution of Ketimpangan 4,00 sakit di Tangerang
September 16,
Personal Protective • SDG 3: Good Health and The Company distributed personal
2021
Equipment Well-being protective equipment consisting of
• SDG 10: Reduced Inequality hazmat, medical masks and medical
gloves to a hospital in Tangerang
Persiapan
Kerjasama Donor September –
Darah Desember 2021
5 SDG 3: Good Health and 3,51
Preparation for September –
Well-being
Blood Donor December 2021
Cooperation
Perseroan bekerjasama dengan
TPB ke-3: Kesehatan yang PMI Kota Tangerang untuk
24 September
Baik dan Kesejahteraan melakukan donor darah dengan
Donor Darah 2021
6 SDG 3: Good Health and 4,00 sasaran 50 orang
Blood Donation September 24,
Well-being The Company cooperated with
2021
Tangerang City PMI to donate blood
with a target of 50 people
kesehatan yang ditujukan
• TPB ke-3: Kesehatan yang ke salah satu Puskesmas di
Pembelian Baik dan Kesejahteraan Palembang berupa masker
Alat Kesehatan • TPB ke-10: Mengurangi 25 September
medis, sarung tangan medis dan
Puskesmas 2021
7 Ketimpangan 3,74 tensimeter digital
Purchase of Health September 25,
• SDG 3: Good Health and Medical equipment was distributed
Center Medical 2021
Well-being to a Health Center in Palembang
Equipment
• SDG 10: Reduced Inequality consisting of medical masks,
medical gloves and digital
sphygmomanometers

.01 .02 .03 .04
Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Distribusi Alat Baik dan Kesejahteraan masker medis dan sarung
Pelindung Diri • TPB ke-10: Mengurangi tangan medis kepada salah satu
3 November 2021
8 Distribution of Ketimpangan 2,91 Puskesmas di Tigaraksa
November 3, 2021
Personal Protective • SDG 3: Good Health and Personal Protective Equipment was
Equipment Well-being distributed to a Health Center in
• SDG 10: Reduced Inequality Tigaraksa consisting of hazmats,
medical masks and medical gloves
Distribusi Alat Baik dan Kesejahteraan masker medis dan sarung tangan
Pelindung Diri • TPB ke-10: Mengurangi medis kepada salah satu rumah
5 November 2021
9 Distribution of Ketimpangan 2,91 sakit di Cisauk
November 5, 2021
Personal Protective • SDG 3: Good Health and Personal Protective Equipment was
Equipment Well-being distributed to a hospital in Cisauk
• SDG 10: Reduced Inequality consisting of hazmats, medical
masks and medical gloves
Telah didistribusikan 300 paket
kesehatan berupa hand sanitizer,
vitamin dan masker medis yang
dibagikan kepada 300 orang
masyarakat di sekitar cabang
Sehat Bersama 6,11,12 November Berau dan Balikpapan serta di
SDG 3: Good Health and
WOM 2021 sekitar area Regional Kalimantan
10 Well-being 13,69
Be Healthy with November 6,11,12, 300 health packages were
WOM 2021 distributed consisting of hand
sanitizers, vitamins to 300 people
in the communities around the
Berau and Balikpapan branches and
around the Kalimantan Regional
area
Pembelian Baik dan Kesejahteraan masker medis dan sarung
Alat Kesehatan • TPB ke-10: Mengurangi 20 November tangan medis kepada salah satu
Puskesmas 2021 Puskesmas di Tangerang Selatan
11 Ketimpangan 4,00
Purchase of Health November 20, Personal protective equipment
Center Medical • SDG 3: Good Health and 2021 consisting of hazmats, medical
Equipment Well-being masks and medical gloves was
• SDG 10: Reduced Inequality distributed to a Health Center in
South Tangerang
• TPB ke-3: Kesehatan yang Telah dilaksanakan pemberian
Pemberian
Baik dan Kesejahteraan makanan tambahan untuk
Makanan
• TPB ke-10: Mengurangi 19 dan 29 150 balita di 3 posyandu di
Tambahan untuk
November 2021 Tangerang
12 Balita Ketimpangan 9,08
November 19 and Provision of supplementary feeding
Supplementary • SDG 3: Good Health and 29, 2021 was carried out for 150 toddlers at
Feeding for Well-being 3 integrated health service posts
Toddlers • SDG 10: Reduced Inequality (posyandu) in Tangerang

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Alokasi Dana
Jenis Kegiatan
(dalam juta
Rupiah) Capaian
Budget Achievement
Allocation
(in Rp million)
Bidang Pemberdayaan Masyarakat
Community Empowerment
Berkualitas
Renovasi • TPB ke-9: Infrastruktur,
Taman Bacaan Industri dan Inovasi 19 dan 29
Masyarakat
• TPB ke-10: Mengurangi November 2021 Program sedang dalam proses
1 Bahari Cerdas 43,58
Ketimpangan November 19 and The program is in progress
Renovation of
29, 2021
Masyarakat Bahari • SDG 4: Quality Education
Cerdas Library • SDG 9: Infrastructure,
Industry and Innovation
Program Green Lifestyle (S.E.E.N)
Baik dan Kesejahteraan Telah dilaksanakan 7 kali
• TPB ke-13: Penanganan pelaksanaan WOMers Lunch Day
Perubahan Iklim yang terbagi ke dalam 3 periode
• TPB ke-15: Menjaga Januari – selama Tahun 2021 dan telah
WOMers Lunch
Ekosistem Darat Desember 2021 terpilih 9 pemenang WOMers
1 Day 4,50
• SDG 3: Good Health and Januari – December Lunch Day
Well-being 2021 WOMers Lunch Day was held 7
• SDG 13: Climate Change times Into 3 periods throughout
Management 2021 and 9 winners were
• SGD 15: Maintaining Land announced
Ecosystem
Telah tersedianya 35 drop box
yang akan segera digunakan
TPB ke-9: Infrastruktur, Juni – Desember untuk karyawan Perseroan
Indusri dan Inovasi 2,2 2021 dengan tujuan agar karyawan
2 Drop Box
SDG 9: Infrastructure, Industry June - December menggunakan kertas secara bijak
and Innovation 2021 The Company has provided 35
drop box accounts, so employees
can use paper more efficiently
TPB ke-13: Penanganan Kegiatan ini untuk memperingati
Perubahan Iklim Hari Lingkungan Hidup Sedunia
TPB ke-15: Menjaga dan terpilih 5 karyawan sebagai
Juni 2021 pemenang Recycle Challenge
3 Recycle Challenge Ekosistem Darat 3,75
SDG 13: Climate Change June 2021 Five employees voted as the winners
Management of the Recycle Challenge at the
SGD 15: Maintaining Land event held to commemorate World
Ecosystem Environment Day

.01 .02 .03 .04

.05 .06 .07
Selain menyelenggarakan berbagai kegiatan CSR In addition to organizing various CSR activities for
untuk masyarakat umum, Perseroan juga mengadakan public, the Company held some assistance programs
sejumlah program bantuan untuk karyawan sesuai for employees according to their respective needs or
dengan kebutuhan atau situasi masing-masing, situations, as shown in the following table:
sebagaimana tabel berikut:
Alokasi Dana
Bantuan Karyawan (dalam juta Rupiah)
No
Employee Assistance Budget Allocation
(in Rp million)
Bantuan Bencana di Regional Banten
1 14,25
Disaster Assistance in Banten Region
Bantuan Keluarga Security Kapos Pangkep
2 10,00
Assistance for Kapos Pangkep Security Family
Bantuan Kaki Palsu untuk Anak Karyawan Cabang Jambi
3 2,50
Prosthetics for Children of Jambi Branch Employees
Bantuan Karyawan Cabang Tebing Tinggi
4 1,50
Employee Assistance in Tebing Tinggi Branch
Bantuan Karyawan Cabang Binjai
5 1,50
Employee Assistance in Binjai Branch
Bantuan Banjir di Regional Kalimantan Sulawesi
6 13,50
Flood Assistance in Kalimantan Sulawesi Region
Bantuan Banjir di Regional Jawa Tengah
7 22,00
Flood Assistance in Central Java Region
Bantuan Banjir di Regional Jakarta, Bogor, Depok, Bekasi
8 25,00
Flood Assistance in Jakarta, Bogor, Depok, Bekasi Region
PROGRAM CSR UNGGULAN TAHUN 2021 [GRI 103- BEST CSR PROGRAM IN 2021 [GRI 103-3, 203-1,
3, 203-1, 203-2] 203-2]
1. Bidang Sosial dan Lingkungan 1. Social and Environment
- Penanaman 11 .000 Pohon - Plantation of 11,000 Trees
- Pembuatan Instalasi Hidroponik WOMunity - Installation of WOMunity Hydroponic
2. Bidang Pendidikan 2. Education
- Webinar Anti Bullying - Anti Bullying Webinars
- Webinar Generasi Millenial Anti Narkoba - Millenial Generation Againts Drugs Webinar
Webinar
3. Bidang Kesehatan 3. Health
- Renovasi Posyandu - Intergrated Health Service Post (Posyandu)
Renovation
- Donasi Multivitamin untuk Anak - Multivitamin Donation for Children
PENGADUAN MASYARAKAT [OJK F.24] PUBLIC COMPLAINTS [OJK F.24]

Perseroan menyadari bahwa operasional bisnis yang The Company realizes that its business operations
dilakukan berpotensi menimbulkan dampak negatif have the potential to have a negative impact on
terhadap masyarakat dan lingkungan di sekitarnya. the surrounding community and environment. The
Dampak negatif yang mungkin timbul antara lain negative impacts that may arise include consumer's
kepercayaan konsumen terhadap Perseroan. Namun trust in the Company. However, the Company has made
demikian, Perseroan telah semaksimal mungkin every possible effort to prevent such negative impacts

.01 .02 .03 .04
untuk mencegah terjadinya dampak negatif tersebut. from occurring. As a form of responsibility in the
Sebagai bentuk tanggung jawab apabila terjadi occurrence of negative impact, the Company provides
dampak negatif, Perseroan telah menyediakan saluran a complaint channel via telephone, email, website/site,
pengaduan melalui telepon, email, website/situs, surat, mail, social media, WhatsApp or direct submission to
media sosial, WhatsApp atau menyampaikan secara the the Company operational office.
langsung ke kantor operasional Perseroan.
Pengaduan yang disampaikan tidak terbatas mengenai The submitted complaints are not limited to the impact
dampak operasional Perseroan, tapi boleh juga of the company’s operations, but may also convey
menyampaikan tentang berbagai hal yang dinilai about various things against ethics, integrity, norms
bertentangan dengan etika, integritas, norma-norma and alleged violations of regulations or actions that
dan dugaan pelanggaran peraturan atau tindakan disturb the environment. During 2021, public utilized
yang mengganggu lingkungan hidup. Selama tahun various complaint channels with the detail as follows:
2021, berbagai saluran pengaduan tersebut telah
dimanfaatkan oleh masyarakat dengan rekapitulasi
pengaduan sebagai berikut:
Tabel Pengaduan Masyarakat dan Status Penyelesaian Tahun 2021

Table of Public Complaints and Status of Settlement in 2021
Status Penyelesaian
Completion Status
Jenis Pengaduan Jumlah Pengaduan
Type of Complaint Total of Complaints
Selesai Dalam Proses Penyelesaian
Completed In Completion
Pelaporan SLIK OJK/ BI Checking

5 5 0
SLIK OJK/BI Checking Reporting
Pelayanan Collection
4 4 0
Collection Service
Kebijakan Produk (Publikasi
Negatif) 1 1 0
Product Policy (Negative Publication)
Pelayanan Marketing
2 1 1
Marketing Service

.05 .06 .07
BERSAMA MENJAGA
KELESTARIAN LINGKUNGAN
Together To Preserve The Environment
Komitmen Perseroan terhadap kelestarian lingkungan diwujudkan dengan

menerapkan operasional kantor yang ramah lingkungan selaras dengan slogan
S.E.E.N (Save Earth, Environment and Nature)
The Company realizes its commitment to environmental sustainability by implementing eco-friendly office
operations in line with the S.E.E.N (Save Earth, Environment and Nature) slogan
Kelestarian lingkungan menjadi isu global yang Environmental sustainability become a global issue that
menuntut perhatian bersama, termasuk Indonesia. demands mutual attention. This includes the attention
Isu tersebut mengemuka sejalan dengan kerusakan of Indonesia. It is an issue that has arisen as a result of
lingkungan yang timbul akibat penerapan paradigma environmental damage caused by old ways of thinking
lama dalam membangun, yaitu mengedepankan about development that focused on economic aspects
aspek ekonomi dan cenderung abai terhadap aspek and ignored environmental and social ones. In many
lingkungan dan sosial. Dalam banyak kasus, kerusakan cases, this environmental damage has led to ecological
lingkungan tersebut memicu terjadinya bencana disasters as well as to a loss of human life and material
ekologis sehingga korban jiwa dan kerugian material losses. There is also the issue of social inequality
tak bisa dielakkan. Di sisi lain, di saat kemajuan being paradoxically generated as a result of economic
ekonomi tercapai, justru ketimpangan sosial tercipta. progress. [GRI 103-1]
[GRI 103-1]
Secara khusus, untuk mengurangi dampak buruk A desire to reduce the negative impact of all this
akibat kerusakan lingkungan, sekaligus memperkuat environmental damage and simultaneously, a desire to
daya dukung lingkungan, maka seruan tentang strengthen the environment's carrying capacity both
pentingnya menjaga kelestarian lingkungan led to widespread calls for raising awareness on the
menyeruak ke permukaan. Tak hanya pemerintah, importance of preserving the environment. It wasn't
pemangku kepentingan yang lain, termasuk korporasi just the government , including coorporation also had
dituntut untuk berkontribusi dalam penanganan to take part to handling of these problems. Towards
masalah tersebut. Berkaitan dengan penanganan this end, the old paradigm of development must be
tersebut, paradigma lama dalam membangun harus replaced by a new one that harmonizes economic,
diganti dengan paradigma baru, yaitu pembangunan environmental and social aspects, has come to be
yang menyelaraskan aspek ekonomi, lingkungan dan known as sustainable development.
sosial yang kemudian dikenal sebagai pembangunan
berkelanjutan.
Untuk menjaga kelestarian lingkungan, Indonesia Indonesia itself already has a number of regulations
telah memiliki berbagai regulasi, diantaranya Undang- that have environmental preservation in mind. These
Undang Nomor 32 Tahun 2009 tentang Perlindungan include Law Number 32 of 2009 on Environmental
dan Pengelolaan Lingkungan Hidup (UU Nomor Protection (Law Number 32/2009) and Management
32/2009) dan Undang-Undang Republik Indonesia and Law Number 3 of 2014 on Industry, along with a
Nomor 3 Tahun 2014 tentang Perindustrian, beserta number of other regulations that have been derived
aturan-aturan turunannya. Sejalan dengan itu, dalam from these. The Financial Services Authority (FSA), in line
upaya menyeimbangkan aspek ekonomi, lingkungan with the government's efforts to balance the economic,
dan sosial dalam pembangunan di Indonesia, Otoritas environmental and social aspects of development in
Jasa Keuangan telah mengeluarkan Peraturan Otoritas Indonesia, has also issued FSA Regulation Number

.01 .02 .03 .04
Jasa Keuangan (POJK) Nomor 51/POJK.03/2017 tentang 51/POJK.03/2017 on the Implementation of Sustainable
Penerapan Keuangan Berkelanjutan bagi Lembaga Finance for Financial Services Institutions, Issuers and
Jasa Keuangan, Emiten dan Perusahaan Publik. Namun Public Companies. However, what's more important
demikian, yang lebih penting dari semua itu adalah than just having these regulations in the first place is
tegaknya implementasi semua regulasi tersebut di having them actually be implemented and enforced
lapangan sehingga tujuan awal pembentukan aturan so that the goals of these regulations and rules can be
dan ketentuan tersebut dapat diwujudkan. [GRI 103-2] realized. [GRI 103-2]
Sebagai bagian dari dunia usaha sekaligus salah As a member of the business world and as a stakeholder
satu pemangku kepentingan di Tanah Air, Perseroan in Indonesia, the Company is committed to doing its
berkomitmen untuk turut menjaga kelestarian lingkungan part to preserve the environment and increase the
serta meningkatkan daya dukung lingkungan. Komitmen environment's carrying capacity. It holds firm in this
ini dipegang karena Perseroan meyakini bahwa lingkungan commitment as it believes that a good and healthy
hidup yang baik dan sehat merupakan hak asasi setiap environment is the right of every Indonesian citizen,
warga negara Indonesia, sebagaimana diamanatkan dalam as mandated in Article 28H of the 1945 Constitution
Pasal 28H Undang-Undang Dasar Negara Republik Indonesia of the Republic of Indonesia. In an effort to uphold
Tahun 1945. Dalam upaya menegakkan komitmen tentang its commitment to the importance of preserving the
pentingnya menjaga kelestarian lingkungan, manajemen environment, the management of the Company has
Perseroan telah mengeluarkan himbauan, maklumat issued a number of appeals, announcements and
maupun peraturan Perseroan. [GRI 103-2] company regulations. [GRI 103-2]
Dalam praktik sehari-hari, komitmen Perseroan terhadap In daily activities, the Company's commitment to
kelestarian lingkungan diwujudkan dengan menerapkan environmental sustainability can be seen with

.05 .06 .07
operasional kantor yang ramah lingkungan melalui environmentally friendly office operations through its
pengelolaan material berupa kertas, pengelolaan energi eco-friendly management of materials such as paper
listrik, bahan bakar minyak dan air secara optimal. and resources such as electricty, fuel, oil and water. All
Hal itu selaras dengan komitmen Perseroan untuk of this is in line with the Company's commitment to
memperhatikan kelestarian lingkungan sesuai slogan paying attention to environmental sustainability. This
S.E.E.N (Save Earth, Environment and Nature). Selain commitment is encapsulated in the slogan S.E.E.N (Save
itu, sejak Tahun 2020, Perseroan memulai program Earth, Environment and Nature). Moreover, the Company
Green Lifestyle dengan melakukan kampanye ramah has also been carrying out a Green Lifestyle program since
lingkungan kepada seluruh karyawan, baik Kantor Pusat 2020 that has seen it promoting environmentally-friendly
maupun Cabang melalui digital poster. Sementara itu, messages through digital posters at its head and branch
untuk mendapatkan hasil yang maksimal, operasional offices. In order to maximize its impact on environmental
kantor yang ramah lingkungan senantiasa berpedoman awareness, the Company in its efforts is always guided by
pada prinsip 3R, yaitu reduce, reuse and recycle. Informasi the 3R principles of reduce, reuse and recycle. Complete
tentang operasional ramah lingkungan selengkapnya information about the Company's eco-friendly operations
disajikan dalam uraian berikut:[GRI 103-3] is presented in the following categories: [GRI 103-3]
PENGELOLAAN MATERIAL/BAHAN BAKU MANAGEMENT OF MATERIALS/RAW MATERIALS
Untuk mendukung operasional sehari-hari, Perseroan As a financing institution, the Company requires
sebagai lembaga pembiayaan memerlukan material materials or raw materials for its day-to-day operations.
atau bahan baku berupa kertas yang bisa didaur These materials come in the form of recycleable
ulang. Kertas digunakan untuk keperluan administrasi paper used for office administration purposes, such
perkantoran, seperti surat-menyurat, pencetakan as correspondence, document printing and so on.
dokumen dan sebagainya. [GRI 103-1] [GRI 103-1]
MENGUNGKAPKAN PENGGUNAAN G-SUITE UNTUK DISCLOSING THE USE OF G-SUITE FOR REDUCED
PENGURANGAN PENGUNAAN KERTAS PAPER USE
Perseroan menyadari bahwa kertas dibuat dari bubur The Company understands that paper is made from
kayu sehingga volume penggunaan kertas berbanding wood pulp and that the amount of paper used is
lurus dengan jumlah pohon yang ditebang untuk directly proportional to the number of trees that are cut
membuat kertas. Langkah nyata kontribusi Perseroan down to make the paper in question. The Company's
dalam mengurangi penebangan pohon sebagai bahan real contribution in reducing tree felling is through its
baku kertas adalah menerapkan efisiensi penggunaan implementation of efficient paper use policies, which
kertas. Kebijakan yang telah dilakukan antara lain include digitalization and adopting a paperless office
melakukan digitalisasi dan mengadopsi konsep paperless concept as stipulated in the Policy Letter Number
office sebagaimana ditetapkan melalui Surat Kebijakan 047/SK/OPP/04-21 about Google Suite Policy Letter
Nomor 047/SK/OPP/04-21 Tentang Surat Kebijakan Google version 03 decree. In addition, to improve efficient
Suite versi 03. Selain itu, untuk efisiensi pengunaan paper usage, the Company utilizes Google Suite --a
kertas, Perseroan juga mengadopsi Google Suite --produk software product developed by Google as a service that
perangkat lunak yang dikembangkan oleh Google sebagai groups all cloud-based productivity and collaboration
layanan yang mengelompokkan semua alat produktivitas tools. The use of this software has a positive impact in
dan kolaborasi berbasis cloud. Penggunaan perangkat reducing paper usage in office operations. Through
lunak ini berdampak positif dengan adanya pengurangan Google Suite, the Company can collaborate on
kertas dalam operasional kantor. Sebab, melalui Google documents concurrently using Google Docs, save
Suite, Perseroan bisa melakukan kolaborasi dokumen presentation documents on Google Slides and store
dalam waktu bersamaan melalui pemanfaatan Google table data and the like on Google Sheets. Because all

.01 .02 .03 .04
Docs, menyimpan dokumen presentasi dalam Google documents can be stored securely on Google Suite,
Slide, serta menyimpan data tabel dan sejenisnya dalam the Company does not need to print these documents.
Google Sheet. Oleh karena semua dokumen bisa disimpan [GRI 103-2]
secara aman dengan Google Suite, maka Perseroan tidak
perlu mencetak dokumen-dokumen tersebut. [GRI 103-2]
Dalam implementasi sehari-hari, penggunaan kertas Paper usage cannot yet be eliminated entirely from
belum bisa dihapus sama sekali. Walau demikian, the Company's day-to-day operations. Nevertheless,
spirit penghematan tetap dilakukan oleh Perseroan. the Company still operates with a spirit of resource
Sebagai contoh, karyawan yang membuat dokumen conservation. For example, any employee about to
perlu melakukan pengecekan secara cermat sehingga print a document is required to carefully check for
tidak ditemukan adanya kesalahan tulisan atau ejaan. writing or spelling errors in order to prevent the need
Dengan demikian, sekali mencetak selesai dan tidak to reprint in case such errors are found in the printed
perlu mengulang karena tidak terdapat kesalahan document. Documents are also, whenever possible,
dalam penulisan dokumen tersebut. Langkah lain, printed on both sides of a page. Another effort to be
jika memungkinkan, pencetakan dilakukan bolak- efficient in paper usage includes making use of used
balik. Efisiensi penggunaan kertas juga bisa dilakukan paper that has one side still clean/unused for printing
dengan memanfaatkan kertas bekas yang salah satu draft of documents. [GRI 103-3]
permukaannya masih bersih/polos. Kertas jenis ini bisa
dipakai untuk mencetak draft dokumen. [GRI 103-3]
Spirit penghematan kertas terus disosialisasikan kepada This spirit of saving on paper usage is continuously
segenap insan Perseroan. Hasilnya, per 31 Desember disseminated to all Company's employee. As a result
2021, penggunaan kertas tercatat sebanyak 380 rim of its efforts, as of December 31, 2021, paper usage
turun dibandingkan tahun 2020, yang mencapai 720 throughout the Company was recorded at 380 reams,
rim. Penurunan terjadi sejalan dengan kebijakan efisiensi which was down from 720 reams in 2020. This decline in
yang telah ditetapkan Perseroan. [GRI 103-3, 301-1] paper usage has happened as a result of the Company's
eco-friendly efficiency policies. [GRI 103-3, 301-1]
Tabel Volume Penggunaan Kertas 2019-2021
Table of Paper Usage Volume 2019-2021
Tahun Jumlah (Rim)

Year Amount (Reams)
2021 380
2020 720
2019 1.717
Dari penggunaan kertas tersebut di atas, Perseroan menghasilkan The Company’s paper usage generates used paper
limbah kertas bekas pakai. Untuk pengelolaan limbah kertas waste. For the paper waste management, the Company
tersebut, Perseroan menyerahkan kepada pihak ketiga. Adapun delivers the waste to a third party. Moreover, the
dokumen yang isinya rahasia dan tidak boleh diketahui oleh confidential documents will be grinded with a paper
pihak lain, maka dokumen tersebut akan dihancurkan dengan shredder before being handed over to a third party for
mesin penghancur kertas sebelum diserahkan kepada pihak recycling or using for other purposes. In addition to not
ketiga untuk didaur ulang atau dimanfaatkan untuk keperluan recycling waste of paper with eco-friendly materials,
yang lain. Selain tidak mendaur ulang limbah kertas yang the Company does not use recycled paper products,

.05 .06 .07
termasuk kategori bahan material ramah lingkungan, Perseroan either recycled paper, envelopes or other derivatives
juga tidak menggunakan produk hasil daur ulang kertas, baik from recycled paper, such as handicrafts for souvenirs
berupa kertas dan amplop hasil daur ulang maupun bentuk- and others. [OJK F.5]
bentuk kreasi lain hasil daur ulang kertas, seperti kerajinan
untuk souvenir dan lain-lain. [OJK F.5]
PENGELOLAAN ENERGI ENERGY MANAGEMENT
Dalam menjalankan operasional usaha, Perseroan In running its business operations, the Company utilizes
memanfaatkan dua sumber energi utama, yaitu listrik two main energy sources, such as electricity and fuel
dan bahan bakar minyak (BBM). Selain sebagai sumber oil. Apart from being a source of lighting, electricity
penerangan, listrik digunakan sebagai sumber energi is used as an energy source for various facilities and
berbagai sarana dan prasarana peralatan elektronik infrastructure for electronic equipment at offices such
perkantoran, seperti AC, fotokopi, PC, laptop dan lain-lain. as air conditioners, photocopy, PC, laptops and others.
Perseroan menyadari bahwa ketersediaan listrik The Company understands that the current availability
saat ini masih terbatas dan belum tersebar merata di of electricity is still limited and not evenly distributed
seluruh Indonesia. Hal itu terjadi karena listrik yang throughout Indonesia that happens due to the fact that
saat ini tersedia sebagian besar masih memanfaatkan currently-existing electricity is mostly still generated
pembangkit berbahan fosil yang termasuk dalam using fossil-based power plants that are categorized as
sumber energi tak terbarukan. [GRI 103-1] non-renewable energy sources. [GRI 103-1]
Bercermin dari kondisi faktual tersebut, maka With these current conditions in mind, the Company
Perseroan berupaya untuk melakukan langkah- sought to take steps to save electricity. Its efforts are
langkah penghematan listrik. Upaya tersebut sejalan in line with Presidential Instruction of the Republic
dengan Instruksi Presiden Republik Indonesia Nomor 13 of Indonesia Number 13 of 2011 on Saving Energy
Tahun 2011 tentang Penghematan Energi dan Air serta and Water, as well as the Regulation of the Minister
Peraturan Menteri Energi dan Sumber Daya Mineral of Energy and Mineral Resources of the Republic of
Republik Indonesia Nomor 13 Tahun 2012 tentang Indonesia Number 13 of 2012 on Saving Electricity
Penghematan Pemakaian Tenaga Listrik. [GRI 103-2] Usage. [GRI 103-2]
Langkah nyata yang dilakukan Perseroan untuk Real steps taken by the Company to save electricity
menghemat penggunaan listrik, antara lain, use include, among others, setting the on/off times
mengatur waktu on/off pendingin ruangan, for air conditioners, regulating the use of lights in
mengatur penggunaan lampu pada pagi dan siang the morning and afternoon, turning off lights and
hari, mematikan lampu dan piranti elektronik yang electronic devices that are not used, replacing ordinary
tidak digunakan, mengganti lampu biasa dengan lamps with energy-saving lamps/LEDs, increasing the
lampu hemat energi/LED, memperbanyak panel number of glass panels in offices so that it is possible to
kaca di perkantoran sehingga memungkinkan untuk use sunlight as a light source during the day and so on.
memanfaatkan sinar matahari sebagai sumber cahaya The replacement of ordinary lamps into energy-saving
pada siang hari dan sebagainya. Penggantian lampu lamps or LEDs has been carried out since 2017 up to
biasa menjadi lampu hemat energi atau LED sudah present. In addition, the Company has also conducted
dilakukan sejak tahun 2017 hingga saat ini. Selain itu, energy efficiency campaigns through email blast. [GRI
Perseroan juga melakukan kampanye efisiensi energi 103-3, 302-4] [OJK F.7]
melalu email blast. [GRI 103-3, 302-4] [OJK F.7]

.01 .02 .03 .04
Sejalan dengan upaya efisiensi penggunaan listrik, per As a result of its efforts to use electricity efficiently, As of
31 Desember 2021, konsumsi listrik Perseroan yang December 31, 2021, Company's electricity consumption,
terdiri dari Kantor Pusat, Learning Center, Telecenter which consists of Head Office, Learning Center, Telecenter
blok A dan C tercatat sebesar 334.784 kWh, turun Block A and C, was recorded at 334,784 kWh, a decrease
dibandingkan tahun 2020, yang mencapai 475.089 kWh. compared to its consumption in 2020 that reached 475,089
Dasar penggunaan energi listrik adalah pencatatan kWh. The Company’s basis for measuring its use of electrical
dari meter listrik PLN sebagai penyedia atau pemasok energy was through its recording of PLN electricity meters
energi listrik sehingga validitas datanya terjaga. [GRI as a provider or supplier of electrical energy so that the
103-3, 302-1] [OJK F.6] validity of the data could be maintained. [GRI 103-3, 302-
1] [OJK F.6]
Sementara itu, untuk mengetahui intensitas Meanwhile, in order to determine the intensity of
penggunaan energi listrik, Perseroan belum melakukan its use of electrical energy, the Company has yet to
audit energi terhadap gedung yang saat ini dipakai conduct energy audits of the buildings it used for its
untuk operasional Perseroan. Untuk itu, intensitas operations. Because of this, its intensity of electrical
konsumsi energi listrik dihitung dengan membagi total energy consumption had to be calculated by dividing
penggunaan energi listrik (kWh) dengan luas ruangan the total use of electrical energy (kWh) by the area of
kantor. Per 31 Desember 2021, penggunaan listrik the Company’s office space. As of December 31, 2021,
adalah sebesar 334.784 kWh , sedangkan luas ruangan the Company’s electricity usage was 334,784 kWh,
gedung ber-AC yang dipakai saat ini adalah 6.435,9 while the area of the air-conditioned buildings that was
meter persegi. Dengan demikian, intensitas konsumsi being used was 6,435.9 square meters. As a result, the
energinya tercatat sebesar 52 kwh /meter persegi/per intensity of the Company’s energy consumption was
tahun atau masuk kategori Sangat Efisien merujuk recorded at 52 kwh/sqm/per year. In other words, it’s
pada tabel IKE Standar di bawah ini: [OJK F.6] in the Very Efficient category in the Standard Energy
Consumption Intensity (ECI) table below: [OJK F.6]
Tabel Nilai IKE Standard di Bangunan Gedung Perkantoran Pemerintah

Berdasarkan Peraturan Menteri Enegi dan Sumber Daya Mineral Nomor 13/2012
Table of Standard EIC Values in Government Office Buildings Based on the Minister
Decree of the Energy and Mineral Resources Number 13/2012
Ber-AC Tanpa AC
Air Conditioned Non-Air Conditioned
Kriteria
Criteria
kWh/m2/bulan kWh/m2/tahun* kWh/m2/bulan kWh/m2/tahun*
kWh/m2/month kWh/m2/year* kWh/m2/month kWh/m2/year*
Sangat efisien <40,8

<8.5 <120 <3,4
Very Efficient
Efisien
8,5-14 120-168 3,4-5,6 40,8-67,2
Efficient
Cukup Efisien
14-18,5 168-222 5,6-7,4 67,2-88,8
Efficient Enough
Boros >222
>18,5 >7,4 >88,8
Wasteful
Sumber: Jurnal Teknik Mesin (JTM): Vol. 06, Edisi Spesial 2017 | Source: Journal of Mechanical Engineering (JTM): Vol. 06, 2017 Special Edition
*konversi dalam setahun | conversions in a year

.05 .06 .07
Selain listrik, konsumsi energi lain yang dipakai Aside from electricity, the Company’s other source
Perseroan adalah bahan bakar minyak (BBM), terutama of energy consumption is fuel oil, especially for its
untuk kendaraan operasional. Jenis bahan bakar operational vehicles. The type of fuel used is gasoline
yang dipakai adalah bensin (Pertamax/Pertalite) dan (Pertamax/Pertalite) and diesel. Just like with electricity,
solar. Sama seperti listrik, ketersediaan dan pasokan the availability and supply of fuel is also limited because
BBM juga terbatas karena masuk kategori energi tak it is included in the category of non-renewable energy.
terbarukan sehingga Perusahaan berkomitmen untuk As such, the Company is committed to efficiency in its
untuk melakukan efisiensi dalam penggunaan BBM. use of fuel. [GRI 103-1, 103-2]
[GRI 103-1, 103-2]
Kebijakan nyata yang diambil Perseroan untuk The real policies taken by the Company to support its
mendukung efisiensi penggunaan BBM, antara efficient use of fuel include, among others, reducing
lain, mengurangi perjalanan dinas, melakukan business trips, performing regular maintenance of
pemeliharaan kendaraan operasional secara berkala guna operational vehicles in order to optimize engine
mengoptimalkan kinerja mesin agar makin efisien dalam performance so that they are more efficient in fuel
pemakaian bahan bakar. Pemeliharaan dan perbaikan consumption. Maintenance and repairs operational
kendaraan operasional bertujuan untuk menekan emisi vehicles are also efforts aimed at reducing green house
gas rumah kaca yang dihasilkan dari mesin kendaraan gas emissions resulting from operational vehicle engines
operasional sehingga sesuai dengan baku mutu yang so that they comply with permitted quality standards.
diperbolehkan. Adapun upaya pengurangan rapat Meanwhile, efforts to reduce face-to-face meetings have
tatap muka mendapatkan momentum dengan adanya been gaining momentum with the Covid-19 pandemic
pandemi Covid-19 yang memungkinkan rapat secara through online meetings that utilized information
online dengan memanfaatkan aplikasi teknologi informasi. technology applications. [GRI 103-3, 302-4]
[GRI 103-3, 302-4]
Dengan kebijakan tersebut, per 31 Desember 2021, As a result of this policy, as of December 31, 2021,
jumlah penggunaan BBM oleh Perseroan tercatat sebesar the Company’s total fuel usage was recorded at 6.36
6,36 kiloliter, turun dibandingkan tahun 2020, yang kiloliters, decreased from 7.45 kiloliters in 2020. Fuel
mencapai 7,45 kiloliter. Dasar penggunaan BBM adalah oil usage was recorded by drivers, which guarantees
pencatatan yang dikeluarkan oleh pengguna, yaitu sopir accuracy in numbers. [GRI 103-3, 302-1]
sehingga akurasinya terjamin. [GRI 103-3, 302-1]
Tabel Volume Penggunaan Energi Tahun 2019-2021

Energy Usage Volume Table 2019-2021
Uraian Satuan
No 2021 2020 2019
Description Unit
Listrik kWh 334.784 475.089 426.902

1
Electricity GigaJoules 1.205 1.710 1.537
BBM Kiloliter 6,36 7,45 12,82

2
Fuel Oil GigaJoules 256 299 515

.01 .02 .03 .04
PENGELOLAAN PENGGUNAAN AIR WATER USE MANAGEMENT
Air merupakan salah satu kebutuhan vital bagi Water is vital for the daily operations of the Company.
operasional sehari-hari Perseroan. Perseroan The Company uses water for the various needs of
menggunakan air untuk berbagai keperluan domestik employees and management, such as drinking water,
karyawan dan manajemen, seperti kebutuhan air cleaning, sanitation, ablution and so on. Water is also
minum, kebersihan, sanitasi, wudu dan sebagainya. used for daily drinking consumption by employees.
Air juga digunakan untuk konsumsi minum sehari-hari [GRI 103-1]
bagi karyawan. [GRI 103-1]

Sama seperti energi listrik dan BBM, Perseroan juga Just like with electricity and fuel, the Company also
menyadari bahwa ketersediaan air bersih semakin terbatas. understands that the availability of clean water is
Pasokan bahan baku untuk Perusahaan Daerah Air Minum increasingly limited. The supply of raw materials for
(PDAM) semakin terbatas akibat banyak sumber air baku Regional Drinking Water Companies is increasingly
yang tercemar, sedangkan air tanah ketersediaannnya juga limited due to many polluted raw water sources, while
kian terbatas seiring dengan semakin masifnya penyedotan groundwater availability is also increasingly limited
untuk berbagai keperluan, termasuk untuk industri, pabrik, along with increasingly massive desludging for various
perkantoran, perhotelan dan sebagainya. Krisis air bersih juga purposes, including for industry, factories, offices,
pernah disampaikan Bappenas dalam Kajian Lingkungan hotels and so on. In its 2019 Strategic Environmental
Hidup Strategis (KKLS) RPJM 2019, yang memproyeksikan Assessment, the National Development Planning
ketersediaan air akan mencapai kelangkaan mutlak pada Agency projected that water availability will reach
2040. Kelangkaan mutlak atau ‘absolute scarcity’ tak lain absolute scarcity by 2040. The absolute scarcity
adalah jumlah sumber daya air tidak mencukupi untuk meant that the amount of water resources would be
memenuhi kebutuhan dan keinginan manusia. insufficient to meet human needs and desires by then.
Dalam laporan ini, data penggunaan air meliputi In this report, data on water usage includes usage at
penggunaan di Learning Center, Telecenter Blok A dan the Learning Center, Telecenter Block A and C, whose
C, yang sumber airnya dari PDAM. Pencatatan volume water is sourced from PDAM. In recording the water
penggunaan air berdasarkan meter air dari PDAM use volume, the Company uses water meters from
sehingga akurasinya terjaga. Per 31 Desember 2021, PDAM so that the accuracy can be well maintained.
volume penggunaan air tercatat sebanyak 2.982 meter As of December 31, 2021, the water use volume was
kubik, naik dibandingkan tahun 2020, yang mencapai recorded at 2,982 cubic meters, an increase compared
2.636 meter kubik. [GRI 103-3, 303-5] [OJK F.8] to 2020, which reached 2,636 cubic meters. [GRI 103-3,
303-5] [OJK F.8]
Tabel Volume Penggunaan Air Tahun 2019-2021
Table of Water Use Volume in 2019-2021
Uraian Satuan
2021 2020 2019
Description Unit
Air PDAM
Meter kubik
Water from Regional Drinking Water 2.982 2.636 3.451
Cubic meters
Companies
Air Tanah Meter kubik
- - -
Ground Water Cubic meters

.05 .06 .07
PENGURANGAN DAN PEMANFAATAN SAMPAH/LIMBAH GARBAGE/WASTE REDUCTION AND UTILIZATION
Sejalan dengan prinsip operasional kantor yang In line with its operating principles of environmentally
ramah lingkungan, Perseroan terus berupaya friendly offices, the Company has continued to strive
untuk mengurangi sampah dan limbah dengan to reduce garbage and waste by implementing the 3R
menerapkan prinsip 3R (reduce, reuse dan recycle). (reduce, reuse and recycle) principles. To reduce plastic
Untuk mengurangi limbah plastik kemasan minuman waste for single-use beverage packaging, for example,
sekali pakai misalnya, Perseroan mengkampanyekan the Company has campaigned for the use of reusable
pemanfaatan botol minum atau tumbler. drinking bottles or tumblers.
BIAYA LINGKUNGAN ENVIRONMENT COSTS
Selama tahun 2021, Perseroan telah mengeluarkan Throughout 2021, the Company has incurred
biaya lingkungan sebesar Rp375,56 juta naik environmental costs of Rp375.56 million, which marked
dibandingkan tahun 2020 yang mencapai Rp10,70 juta. an increase compared to Rp10.70 million in 2020.
Dana tersebut digunakan untuk berbagai keperluan, The funds were used for various purposes, including
diantaranya penanaman 11.000 pohon dalam rangka planting 11,000 trees in celebration 39th Corporate
menyambut HUT Perseroan ke-39, program green Anniversary, the Company’s green lifestyle program
lifestyle Perseroan dan pembuatan instalasi hidroponik. and the construction of hydroponic installations. The
Biaya lingkungan selengkapnya disajikan dalam tabel complete environmental costs are presented in the
berikut: [OJK F.4] following table: [OJK F.4]
Tabel Biaya Lingkungan Tahun 2019-2021

Table of Annual Environment Costs 2019-2021
Jumlah Biaya Lingkungan

Tahun (dalam Juta Rupiah) Pemanfaatan/Penggunaan
Year Environment Cost Usage
(in Rp Million)
Penanaman 11.000 pohon, program green lifestyle (WOMers Lunch
Day, Penyediaan Drop Box, recycle challenge) serta pembuatan instalasi
2021 375,56 hidroponik
Planting 11,000 trees, green lifestyle program (WOMers Lunch Day, the provision
of Drop Boxes, recycling challenges) and creating hydroponic installations
Program green lifestyle (penyediaan drop box, shopping bag dan
10,70 WOMers Lunch Day)
2020
Green lifestyle program (the provision of drop boxes, shopping bags and
WOMers Lunch Day)
Renovasi Ruang Terbuka Hijau di 7 cabang dan Kantor Pusat,
conservation talk dan pelatihan pengolahan sampah plastik
2019 523,83
Renovation of green open spaces at 7 different branches and at Head Office,
conservation talks and training on plastic waste management

.01 .02 .03 .04
SUMBER DAYA MANUSIA PILIHAN

PENOPANG KEMAJUAN
Human Resources As a Key Pillar For Progress
Perseroan memperlakukan seluruh karyawan secara setara dalam kesempatan

bekerja, mendapatkan penilaian kinerja, termasuk untuk mendapatkan kenaikan
jenjang karier, pengembangan kompetensi, remunerasi dan lain-lain
The Company treats all employees equally in employment opportunities. They obtain performance assessment,
including for career advancement, competency development, remuneration and other purposes
Sumber daya manusia yaitu kumpulan individu yang Human resources is the collection of individuals that
bekerja di Perseroan, merupakan pemangku kepentingan work at the Company, represent the Company's main
utama bagi Perseroan. Mereka adalah penggerak stakeholders. They have historically been the driving force
roda Perseroan sekaligus menjadi penentu kemajuan. behind the Company and are also crucial for progress for
Dengan posisi yang sangat strategis tersebut, maka the future. Such a strategic position demands careful
yang dibutuhkan adalah sumber daya manusia pilihan, selection for human resources, they have to be highly
yang berdedikasi tinggi serta memiliki kapasitas dan dedicated and must come equipped with the right
kompetensi di bidangnya. Lebih dari itu, yang tak kalah capacity and competence for their respective areas of
penting, sumber daya manusia yang ada juga harus work. Of no less importance, is having human resources
memiliki loyalitas dan visi yang sama dengan Perseroan. that are also loyal to the Company and share with it the
Dengan sumber daya manusia pilihan seperti itulah, maka same vision. It is through this select type of qualified
Perseroan akan mampu mewujudkan target-target yang human resources that the Company will be able to realize
disampaikan dalam Rencana Bisnis Tahunan. [GRI 103-1] its Annual Business Plan targets. [GRI 103-1]
Untuk menghadirkan sumber daya manusia pilihan In order to make this kind of human resources available
dengan kualifikasi seperti itu, maka Perseroan terus for use, the Company has continued with its efforts
berupaya untuk menerapkan strategi pengelolaan dan to implement the best possible management and
pengembangan terbaik. Di Perseroan, tanggung jawab development strategies. Over at the Company, all
terhadap pengelolaan sumber daya manusia berada aspects related to human resource management is
di Direktorat Human Capital. Selama masa pandemi the responsibility of the Human Capital Directorate.
Covid-19 tahun 2020-2021, kegiatan pengelolaan Throughout the course of the 2020-2021 Covid-19
dan pengembangan sumber daya manusia dilakukan pandemic, this directorate carried out a variety
dengan dukungan proses digitalisasi yang lebih of activities for managing and developing human
menjamin efektivitas sekaligus meminimalisir risiko resources with the support of a digitalization process
penyebaran Covid-19. that furthered ensured the effectiveness of its efforts
and minimize the risk of spreading the Covid-19.
Sebagai bentuk kepatuhan terhadap regulasi As a form of compliance with regulations

ketenagakerjaan di Indonesia, pengelolaan sumber In Indonesia, the directorate of the human
daya manusia di Perseroan senantiasa merujuk pada resources in the Company has always paid
Undang-Undang Nomor 13 tahun 2003 tentang heed to Law Number 13 of 2003 on Manpower
Ketenagakerjaan, yang disempurnakan melalui which was later refined through Law Number 11 of
Undang-Undang Nomor 11 Tahun 2020 tentang Cipta 2020 on Job Creation, alongside other derivative
Kerja, beserta peraturan-peraturan turunannya, regulations, as a way of demonstrating its
maupun praktik-praktik ketenagakerjaan yang umum compliance with labor regulations in Indonesia, from
dilakukan di Indonesia, mulai perencanaan, seleksi, planning, selection, recruitment, career management,
perekrutan, manajemen karier, remunerasi hingga remuneration, social security, and retirement as points
jaminan sosial dan pensiun. of reference.

.05 .06 .07
Praktik dan pengelolaan seperti itu dilakukan sebagai These forms of management were carried out as part
komitmen Perseroan dalam menegakkan hak dan of the Company's commitment to upholding rights
kewajiban di bidang ketenagakerjaan sehingga terwujud and obligation in the field of manpower as a means
hubungan industrial yang harmonis. [GRI 103-2] of creating harmony in industrial relations. [GRI 103-2]
Selaras dengan regulasi tentang ketenagakerjaan, maka In line with employment regulations, the Company has
dalam mengelola sumber daya manusia, Perseroan always been respectful and supportive of differences in
selalu menghargai, menjunjung tinggi perbedaan things like gender, class, ethnicity, race, religion, politic
antar-manusia, baik dari segi jenis kelamin, golongan, view and others. For the Company, these differences are
suku, ras, agama, pandangan politik dan sebagainya. human rights inherent in every individual since birth.
Bagi Perseroan, perbedaan tersebut merupakan hak This view is in line with the 1948 Universal Declaration
asasi manusia sebagai hak-hak dasar yang melekat of Human Rights, which stipulates that humans should
pada setiap individu sejak lahir. Penghargaan tersebut exist free of discrimination in things such as race,
sejalan dengan Deklarasi Universal Hak Asasi Manusia skin color, gender, language, religion, political views,
1948 yang menegaskan bahwa hak asasi manusia national or social origins, property, birth or other forms
seharusnya dinikmati tanpa adanya pembedaan of status. [GRI 103-2]
apapun, seperti ras, warna kulit, jenis kelamin, bahasa,
agama, pandangan politik, asal-usul bangsa atau sosial,
harta benda, kelahiran atau status lain. [GRI 103-2]

.01 .02 .03 .04
Roadmap Human Capital

Human Capital Roadmap
Untuk mewujudkan sumber daya manusia dengan In order to realize the Company's ambition of having
kualitas terbaik sehingga mampu menopang semua the highest quality human resources that can be there
rencana strategi bisnis yang telah ditetapkan Perseroan, to support all of its strategic business plans, the Human
Direktorat Human Capital telah menetapkan strategi Capital Directorate has established the “iCare For WOM
kerja “iCare For WOM Finance” sebagai berikut : Finance” work strategy as follows:
INISIATIF UTAMA STRATEGI

KEY INITIATIVE STRATEGY
Fokus pada pengetahuan, keterampilan & kompetensi

Keunggulan Kompetitif Melalui Karyawan karyawan agar mereka dapat bekerja dengan lebih efektif
Competitive Advantage Through the Employees Focus on employee knowledge, skill & competencies to be more
effective at their jobs
Kepemimpinan baru merupakan perpaduan antara
keterampilan individu dan interpersonal yang membentuk
Menyiapkan Pemimpin Generasi Berikutnya
kemampuan dasar untuk mempengaruhi dan menginspirasi
Grooming Next Generation Leaders
orang lain
The new leadership is a blending of personal and interpersonal skills
that form the basis of ability to impact, influence and inspire others
Bangun Lingkungan Kepercayaan, Jadilah Pemenang,
Peningkatan Keterlibatan Karyawan untuk Mendorong Tunjukkan Pada Mereka Betapa Berartinya Pekerjaan Mereka,
Kinerja Bisnis Hargai Setiap Anggota
Employee Engagement Improvement to Drive Business Performance Build Environment of Trusts, Be a Winning Team, Show Them How
Meaningful Their Work, Value Every Member
Mendorong para karyawan untuk menyelesaikan masalah
Ciptakan Budaya Kolaborasi antar fungsi kerja dan memotivasi mereka untuk bekerja
Create a Collaborative Culture sama dan saling percaya
Encourage employees to resolving issues between functions and
motivate them to working together and trust each other
Sesuai dengan roadmap di atas, pada tahun 2021, In accordance with the roadmap above, the Company
Perseroan mengembangkan sumber daya manusia spent the year 2021 developing human resources in
dengan berfokus pada upaya meningkatkan such a way that saw it focusing its efforts on boosting
produktivitas agar mencapai proses kerja yang efektif productivity in order to create effective work processes.
dengan menerapkan strategi kerja sebagai berikut: It did so by implementing the following strategies: [GRI
[GRI 103-3] 103-3]
1. Menerapkan strategi pelatihan dengan konsep 1. Implementing a training strategy that made use
Agile Learning yang berfokus pada peningkatan of the concept of Agile Learning that focused on
pengetahuan, keterampilan dan kompetensi increasing the knowledge, skills and competencies
karyawan agar lebih efektif dalam menjalankan of employees to allow them to be more effective
pekerjaannya dengan didukung juga oleh in carrying out their work. This effort also had
peningkatan kualitas SDM dari proses perekrutan the support of an improved quality in human
berbasis kompetensi. resources that stemmed from a competency-based
recruitment process.

.05 .06 .07
2. Menstandarisasi program pengembangan bagi 2. Standardizing development programs for leaders

pemimpin dengan berbagai macam metode, through various methods. The Company pushed
mendorong implementasi coaching culture for the implementation of a coaching and sharing
serta sharing from leaders untuk mendukung culture from leaders that would help others in
peningkatan kemampuan para pemimpin di the Company to better apply their talents and
Perseroan dalam menerapkan keterampilan dan interpersonal skills in such a way that allowed these
interpersonal skill sehingga setiap pemimpin people to influence and inspire each of the sections
memiliki kemampuan untuk mempengaruhi dan they lead and create better results for the Company.
menginspirasi setiap bagian yang dipimpin serta
memberi dampak keberhasilan bagi Perseroan.
3. Membangun lingkungan kerja yang sinergi dan 3. Building a synergistic work environment and
mendorong karyawan untuk mampu menyelesaikan encouraging employees to be able to solve problems
masalah yang terjadi antara unit kerja serta that occurred between work units. The Company
memotivasi karyawan untuk saling bekerja sama also motivated employees to work together and
dan saling percaya untuk mencapai keberhasilan trust each other so that they can generate successful
kinerja Perseroan. Program seperti pelaksanaan results together. Programs such work innovation
kontes inovasi kerja diharapkan menjadi salah satu contests were also carried out as a means to allow
bentuk sarana untuk menerapkan kemampuan employees to better synergize with one another.
karyawan dalam bekerja secara sinergi.
4. Meningkatkan keterikatan karyawan pada Perseroan 4. Boosting employee engagement with the Company
dengan memfasilitasi program kegiatan komunitas through employee community activity programs.
karyawan untuk mendorong kenyamanan karyawan These programs encouraged employees to
dalam menunjukkan minat dan bakat sehingga comfortably show off their interests and talents
diharapkan dapat memotivasi karyawan secara to motivate them to be enthusiastic in achieving
individu untuk bersemangat dalam mencapai higher productivity and better performance.
produktivitas dan kinerjanya.
5. Meningkatkan proses kerja yang efektif dengan 5. Improving effective work processes through
menerapkan standar produktivitas karyawan yang measurable employee productivity standards
terukur dan penerapan pengelolaan biaya secara and efficient cost management in each work unit
efisien di setiap unit kerja guna meningkatkan designed to improve Company performance.
pencapaian kinerja Perseroan.
Selanjutnya, berbagai kebijakan strategis tersebut Furthermore, these strategic policies were implemented
diimplementasikan dalam berbagai program selama through various programs during the reporting year,
tahun pelaporan sebagai berikut: [GRI 103-3] the details of which are as follows: [GRI 103-3]
1. Recruitment Branding Activity 1. Recruitment Branding Activity

Aktivitas rekrutmen dan branding yang Online recruitment and branding activities
dilaksanakan di seluruh regional secara online. throughout the region.
2. Recruitment dan Psikotes Online 2. Online Recruitment and Psychotest
Seluruh kegiatan penerimaan karyawan baik All recruitment activities from interviews to
wawancara sampai dengan psikotes dilakukan psychological tests were carried out online.
secara online.

.01 .02 .03 .04
3. Learning Program 3. Learning Program

Walau masih dalam kondisi pandemi Covid-19, Despite the current Covid-19 pandemic, the
Perseroan tetap berkomitmen untuk tetap Company remains committed to continually provide
memberikan pelatihan kepada seluruh karyawan training to all employees via online. In 2021, the
dengan metode online. Tahun 2021, Perseroan Company successfully provided training to 32,845
berhasil memberikan pelatihan kepada 32.845 employees with in-house and public training and a
karyawan dengan pelatihan yang diberikan secara total of 224 training batches.
in house maupun public training dan total 224
batch pelatihan.
4. Talent Management Program 4. Talent Management Program
Pengembangan karyawan adalah hal yang paling Employee development is essential to support
krusial untuk mendukung bisnis Perseroan. the Company’s business. Therefore, in 2021, the
Oleh karena itu, di tahun 2021, Perseroan siap Company prepared a Talent Pool Program with
dengan Talent Pool Program dengan program employee development programs from staff to
pengembangan karyawan yang disiapkan dari level managerial level.
staf sampai dengan level manajerial.
5. Culture and Engagement Program 5. Culture and Engagement Program
Berbagai macam program yang dijalankan Various programs were carried out to internalize
untuk menginternalisasi budaya Perseroan dan the Company culture and strengthen the relations
mengeratkan hubungan karyawan satu sama lain among the employees and employees with the
maupun karyawan dengan Perseroan diantaranya: Company, including:
- Employee Engagement Survey “Voice - Employee Engagement Survey “Voice
of Employee” of Employee”
- Magister Scholarship - Master Scholarship
- KPR Payroll feat Maybank - KPR Payroll feat Maybank
- Berbagai kegiatan melalui social media - Various activities through social media and
maupun virtual event virtual event

.05 .06 .07
Membina Hubungan Kerja yang Harmonis

Fostering Harmony in Work Relationships
Karyawan merupakan salah satu aset penting bagi Employees serve as key assets for the Company. As such,
Perseroan. Sebab itu, Perseroan berupaya semaksimal the Company has always made every effort to establish
mungkin untuk menjalin hubungan industrial yang harmonious industrial relations with its employees.
harmonis dengan karyawan. Salah satu upaya yang Among the Company's efforts towards this end is its
dilakukan Perseroan adalah dengan menghidupkan reviving of the concept of partnership and dialogue.
konsep kemitraan dan dialog. Untuk memastikan As a way to ensure that employees understand their
bahwa karyawan memahami hak dan tanggung rights and responsibilities, the Company regularly held
jawabnya, selain melaksanakan sesi pertemuan interactive meeting sessions for all levels on a regular
interaktif seluruh jajaran secara rutin, Perseroan juga basis. It also regularly disseminated information on
secara rutin menyebarluaskan informasi tentang labor regulations and provisions to all employees. These
peraturan dan ketentuan ketenagakerjaaan kepada interactive meeting sessions were used as a means to
seluruh karyawan. Terselenggaranya sesi pertemuan create an open channel of communication between
interaktif merupakan sarana untuk menciptakan members of the senior ranks and employees. For the
saluran komunikasi yang terbuka antara jajaran senior Company, this two-way communication system helped
dan karyawan. Bagi Perseroan, komunikasi dua arah to foster a positive work environment that contributed
tersebut membantu terciptanya lingkungan kerja to boosting employee productivity and served as a
yang positif yang berkontribusi pada peningkatan manifestation of how the Company has fulfilled the
produktivitas karyawan sekaligus sebagai wujud rights of its employees.
pemenuhan hak-hak karyawan.
Per 31 Desember 2021, Perseroan belum memiliki Serikat As of December 31, 2021, the Company does not yet
Pekerja dan perjanjian kolektif berupa Perjanjian Kerja have a Labor Union or any kind of collective agreement
Bersama (PKB). Dengan demikian, Perseroan belum in the form of a Collective Labor Agreement. As such,
bisa melaporkan tentang persentase total karyawan the Company is unable to report on the total percentage
yang dicakup oleh perjanjian perundingan kolektif. of its employees that are part of any kind of collective
Untuk mengatur tentang hak dan kewajiban karyawan bargaining agreement. In order to regulate the rights
serta hubungannya dengan manajemen, Perseroan and obligations of employees and their relationship
memasukkan pembahasan hal itu dalam Peraturan with management, the Company has included a
Perusahaan (PP), termasuk di dalamnya ketentuan discussion of these matters in its Company Regulations.
apabila terjadi perselisihan perburuhan atau perkara Contained within these regulations are provisions in
hubungan industrial dengan karyawan. [GRI 102-41] the event of labor disputes or industrial relations cases
involving employees. [GRI 102-41]
Selama tahun 2021, Perseroan menghadapi perkara Throughout 2021, the Company faced a number of
hubungan industrial dengan karyawan yang kasusnya industrial relations cases with employees who brought
dibawa ke Pengadilan Hubungan Industrial (PHI) their cases to the Industrial Relations Court as many
sebanyak 7 kasus. Dari jumlah itu, sebanyak 1 kasus as 7 cases. Of that number, as many as 1 cases have
sudah berkekuatan hukum tetap dan 6 kasus sedang permanent legal force while 6 cases are in the process
dalam proses persidangan atau banding . of trial or appeal.

.01 .02 .03 .04
Kesetaraan Kesempatan Bekerja [OJK F.18]

Equality in Employment Opportunities [OJK F.18]
Perseroan menghormati dan menjunjung tinggi The Company has always respected and upheld human
perbedaan antar-manusia, baik dari segi jenis kelamin, differences, whether in terms of things like gender, class,
golongan, suku, agama, ras, pandangan politik dan ethnicity, religion, race, political view and so on. For the
sebagainya. Bagi Perseroan, keberagaman adalah Company, diversity is a necessity and makes social life
keniscayaan dan menjadikan kehidupan sosial menjadi more flavorful. In line with this principle, the Company
lebih berwarna. Selaras dengan prinsip itu, maka Perseroan is committed to treating all its employees equally when
berkomitmen untuk memperlakukan seluruh karyawan it comes to things like employment opportunities,
secara setara dalam kesempatan bekerja, mendapatkan the ability to obtain performance appraisals,
penilaian kinerja, termasuk untuk mendapatkan career advancements, competency development,
kenaikan jenjang karir, pengembangan kompetensi, remuneration and others. Towards this end, the
remunerasi dan lain-lain. Berdasarkan komitmen itu, Company has always provided equal opportunities to
Perseroan memberikan kesempatan yang sama untuk work and fill posts, positions or levels in accordance
bekerja dan mengisi pos-pos, posisi atau jabatan sesuai with the capacity and competence of employees. The
dengan kapasitas dan kompetensi karyawan. Kesamaan Company also upholds the belief in equal opportunity
kesempatan dalam bekerja juga dipegang oleh Perseroan in work when it goes about recruiting employees.
saat membuka rekrutmen karyawan.
Penerapan kesetaraan kesempatan dalam bekerja The implementation of equal work opportunity
diterapkan di Perseroan sebagai bentuk ketaatan at the Company has been manifested through the
Perseroan terhadap Undang-Undang Nomor 13 Tahun Company's compliance with Law Number 13 of 2003 on
2003 tentang Ketenagakerjaan, Undang-undang Manpower, Law Number 11 of 2020 on Job Creation,
Nomor 11 Tahun 2020 tentang Cipta Kerja, Undang- Law Number 21 of 1999 on the Ratification of the
Undang Nomor 21 Tahun 1999 tentang Pengesahan ILO ILO Convention Number 111 on Discrimination in
Convention Number 111 Concerning Discrimination in Respect to Employment and Occupation and through
Respect of Employment and Occupation (Konvensi ILO compliance with the Guidelines for Equality and Non-
Mengenai Diskriminasi dalam Pekerjaan dan Jabatan), Discrimination in Indonesian Workplaces from the
serta Panduan Kesetaraan dan Non Diskriminasi di Ministry of Manpower and Transmigration.
Tempat Kerja di Indonesia (Kementerian Tenaga Kerja
dan Transmigrasi RI).

.05 .06 .07
Rekrutmen dan Turnover

Recruitment and Turnover
Perseroan melakukan rekrutmen untuk mendapatkan The Company conducts recruitment activities in order
kandidat terbaik guna memenuhi sumber daya pada to get the best candidates that can fulfill its demand for
posisi strategis serta kritikal untuk mempertahankan dan human resources in strategic and critical positions for
meningkatkan kinerja Perseroan. Dalam melaksanakan maintaining and improving the Company's performance.
rekrutmen, Perseroan memberikan kesempatan setara Through its recruitment process, the Company provides
kepada semua warga negara untuk bergabung dan equal opportunities to all citizens to join and work so
berkarya sesuai dengan kualifikasi yang dibutuhkan. long as they meet the required qualifications. During
Dalam proses seleksi, Perseroan akan memilih kandidat its selection process, the Company will select candidates
sesuai dengan kapasitas dan kompetensi yang dimiliki in accordance with their capacities and competencies so
agar selaras dengan kebutuhan Perseroan dan tidak that they are in line with the Company's needs. It has
menenggang praktik-praktik jalan belakang atau no tolerance for backdoor practices or for candidates
kandidat titipan. submitted via favoritism.
Sejalan dengan spirit yang dipegang Perseroan, sekaligus In line with both this spirit of equal opportunity and
pemenuhan Tanggung Jawab Sosial dan Lingkungan with its desire to fulfill its Social and Environmental
(TJSL), Perseroan berupaya untuk merekrut tenaga kerja Responsibilities, the Company has sought to recruit
lokal, yakni penduduk yang berada di sekitar operasional local workers that hail from the Company's areas of
Perseroan, setidaknya mereka yang berada dalam satu operations or at least ones that are situated within the
provinsi, sesuai dengan kualifikasi dan kebutuhan same province and meet the necessary qualifications
Perseroan. Dengan demikian, masyarakat tetap dapat and needs of the Company. This is so that the public can
merasakan manfaat keberadaan Perseroan. personally feel the benefits of the Company existing.
Dalam melakukan rekrutmen, Perseroan telah In carrying out its recruitment activities, the Company
membangun sistem rekrutmen yang kompetitif has built a competitive recruitment system through
melalui pengelolaan database rekrutmen yang akurat. its management of an accurate recruitment database.
Seiring dengan pandemi Covid-19, sejak tahun 2020, However, as a result of the Covid-19 pandemic,
kegiatan rekrutmen tidak lagi dilakukan melalui sesi recruitment activities since 2020 are no longer carried
seleksi tatap muka, namun mengedepankan End to out through face-to-face selection sessions but rather
End Online Recruitment. Seluruh kegiatan rekrutmen through End to End Online Recruitment activities.
memaksimalkan digitalisasi yang ada dengan All recruitment activities made full use of existing
meminimalisir proses tatap muka dan Perseroan digitalization by minimizing face-to-face meetings. The
melengkapi peralatan yang dibutuhkan agar standar Company also provided the necessary equipment that
perekrutan dengan online recruitment tetap terjaga allowed it to maintain and maximize online recruitment
dan maksimal. Kegiatan branding dan iklan lowongan standards. Branding activities and job vacancy listings
pekerjaan Perseroan seperti webinar dan informasi such as webinars and management trainee recruitment
kegiatan rekrutmen management trainee dilaksanakan activities were carried out through the use of social
melalui jejaring media sosial dan fasilitas online media networks and other online platform facilities
platform lainnya seperti ZOOM dan Google Meet. such as ZOOM and Google Meet.
Dengan mekanisme seperti tersebut di atas, selama It was through these aforementioned mechanisms that
tahun 2021, Perseroan merekrut sebanyak 621 orang the Company was able to recruit as many as 621 new
karyawan baru sesuai dengan kebutuhan Perseroan. employees in 2021 that were hired in accordance with
Jumlah itu naik dibanding rekrutmen tahun 2020, the Company's needs. The total increased compared
yang mencapai 503 orang. Komposisi karyawan baru to the Company's recruitment in 2020, which reached
hasil rekrutmen tahun 2021 berdasarkan jenis kelamin, 503 persons. The demographic composition of new
rentang usia dan wilayah kerja disampaikan dalam employees recruited in 2021 based on gender, age range
tabel-tabel berikut: and work area is presented in the following tables:

.01 .02 .03 .04
Komposisi Karyawan Baru

New Employee Demographics
Tahun
Keterangan Year
Information
2021 2020 2019
Jenis Kelamin
Gender
Pria
460 336 513
Male
Wanita
161 167 219
Female
Jumlah
621 503 732
Total
Lokasi Kerja
Work Location
Kantor Pusat
380 271 338
Head Office
Kantor Cabang
209 211 350
Branch Office
32 21 44
Non-Branch Office
Kantor Layanan
- - -
Service Office
Jumlah
621 503 732
Total
Usia
Age
s/d 24 tahun
176 162 231
Up to 24
25 s/d 34 tahun
339 257 388
From 25 to 34
35 s/d 49 tahun
103 82 111
From 35 to 49
>=50 tahun
3 2 2
50 or Higher
Jumlah
621 503 732
Total
Selain bertambah dari hasil proses rekrutmen, karyawan Despite getting bigger numbers from the results of its
Perseroan berkurang karena terdapat karyawan yang recruitment process, the Company's total employees
meninggalkan Perseroan dengan berbagai alasan yang saw a reduction in numbers due to the amount of
dibenarkan undang-undang. Komposisi karyawan people who had to exit or leave the Company for
berhenti atau meninggalkan Perseroan berdasarkan reasons of law. The demographic composition of
jenis kelamin, rentang usia dan wilayah kerja selama employees exiting or leaving the Company based on
tahun 2021 disampaikan dalam tabel-tabel berikut: gender, age range and work area throughout 2021 is
presented in the following table:

.05 .06 .07
Komposisi Karyawan Keluar/Meninggalkan Perseroan

Quitting/Leaving Employee Demographics
Tahun
Keterangan Year
Information
2021 2020 2019
Jenis Kelamin
Gender
Pria
596 729 766
Male
Wanita
208 403 306
Female
Jumlah
804 1.132 1.072
Total
Lokasi Kerja
Work Location
Kantor Pusat
305 352 246
Head Office
Kantor Cabang
453 688 734
Branch Office
46 92 92
Non-Branch Office
Kantor Layanan
- - -
Service Office
Jumlah
804 1.132 1.072
Total
Usia
Age
s/d 24 tahun
44 156 83
Up to 24
25 s/d 34 tahun
371 533 564
From 25 to 34
35 s/d 49 tahun
339 404 404
From 35 to 49
>=50 tahun
50 39 21
50 or Higher
Jumlah
804 1.132 1.072
Total
Berdasarkan jumlah karyawan yang masuk dan keluar/ Based on the number of employees who enter and
meninggalkan Perseroan seperti tersebut di atas, quitting/leaving the Company as mentioned in the
maka akan bisa dihitung tingkat perputaran karyawan above table, it is possible to calculate the employee
atau turnover selama tahun 2021. Dalam laporan turnover rate for 2021. In this report, turnover is defined
ini, turnover diartikan sebagai kecenderungan atau as the tendency or intensity of individuals to leave the
intensitas individu untuk meninggalkan organisasi organization for various reasons, which includes a desire
dengan berbagai alasan dan di antaranya keinginan to get a better job. It is for this reason that employees

.01 .02 .03 .04
untuk mendapatkan pekerjaan yang lebih baik. Dengan who left due to natural retirement or death are not
demikian, karyawan yang keluar karena pensiun alami counted as a factor in high or low turnover rates.
atau meninggal tidak dihitung sebagai faktor tinggi
atau rendahnya tingkat turnover.
Jumlah dan Penyebab Karyawan Berhenti/Meninggalkan Perseroan

Number and Causes of Employees Quitting/Leaving the Company
Penyebab
2021 2020 2019
Cause
Pensiun
19 7 9
Retired
Meninggal Dunia
11 3 4
Death
Mengundurkan Diri Atas Permintaan Sendiri
551 579 661
Self-Resignation
Diberhentikan
223 543 398
Terminated
Jumlah Karyawan Masuk
621 503 732
New Employees
Jumlah Karyawan yang Keluar
804 1.132 1.072
Outgoing Employees
Jumlah Karyawan di Awal Tahun
2.599 3.228 3.568
Number of Employees at the Start of the Year
Jumlah karyawan di Akhir Tahun
2.416 2.599 3.228
Number of Employees at the End of the Year
Tingkat Turnover
33,28% 43,56% 33,21%
Turnover Rate
Untuk menekan angka turnover, terutama bagi mereka The Company has made various efforts to reduce the
yang berada dalam kategori usia produktif, Perseroan turnover rate, especially for employees who are in a
telah melakukan berbagai upaya, antara lain retention productive age category. These efforts include, among
melalui program S2 dan bantuan pendidikan S1, bonus others retention through the master's program and
dan insentif karyawan dan program KPR kerjasama undergraduate education assistance, employee bonuses
dengan Maybank. and incentives and the mortgage program in collaboration
with Maybank.

.05 .06 .07
Tenaga Kerja Anak dan Tenaga

Kerja Paksa[OJK F.19]
Child Labor and Forced Labor [OJK F.19]
Dalam menjalankan operasional Perseroan memiliki The Company has a clear policy regarding the minimum
kebijakan yang jelas tentang usia minimal karyawan age and working hours of employees for the Company's
maupun jam kerja karyawan. Kebijakan itu diambil operations. This policy serves as concrete proof of the
sebagai bentuk konkret dukungan Perseroan terhadap Company's support for the elimination of child labor
penghapusan pekerja anak dan kerja paksa. Sesuai as well as forced labor. In accordance with applicable
peraturan yang berlaku, usia minimal karyawan regulations, the minimum age for the Company
Perseroan adalah 18 tahun, sedangkan jam kerja yang employees is 18 years old, while the agreed working
disepakati adalah 7 jam satu hari dan 40 jam dalam hours are 7 hours per one day and 40 hours per 1 week
1 minggu untuk 6 hari kerja dalam 1 minggu, sesuai for 6 working days within 1 week, all in accordance with
dengan pasal 77 Undang-Undang Nomor 13 tahun Article 77 of Law Number 13 of 2003 on Manpower.
2003 tentang Ketenagakerjaan. Adapun bagi karyawan Employees who for whatever reasons end up working
yang dengan alasan tertentu bekerja melebihi jam more than the aforementioned working hours will
kerja, maka mereka akan mendapatkan upah lembur get overtime pay in accordance with the applicable
sesuai dengan ketentuan yang berlaku di Perseroan. provisions in the Company. [GRI 103-1,103-2]
[GRI 103-1,103-2]
Kebijakan yang jelas tentang usia karyawan dan Apart from implementing the Manpower Act and
jam kerja seperti tersebut di atas, selain merupakan internal company regulations, a clear policy regarding
implementasi Undang-Undang Ketenagakerjaan dan employee age and working hours is also in line with
ketentuan internal Perusahaan, juga selaras dengan the Law of the Republic of Indonesia Number 20 of
Undang-Undang Republik Indonesia Nomor 20 Tahun 1999 on Ratification of the ILO Convention Number 138
1999 tentang Pengesahan ILO Convention Nomor Concerning Minimum Age for Admission to Employment
138 Concerning Minimum Age for Admission to and Law of the Republic of Indonesia Number 1 of
Employment (Konvensi ILO Mengenai Usia Minimum 2000 on Ratification of the ILO Convention Number
Untuk Diperbolehkan Bekerja) dan Undang-Undang 182 Concerning The Prohibition And Immediate Action
Republik Indonesia Nomor 1 Tahun 2000 Tentang for The Elimination of The Worst Forms of Child Labor.
Pengesahan ILO Convention Number 182 Concerning Meanwhile, the implementation of working hours with
The Prohibition And Immediate Action for The clear time limits to prevent forced labor is in line with
Elimination of The Worst Forms of Child Labour the Law of the Republic of Indonesia Number 19 of
(Konvensi ILO Nomor 182 Mengenai Pelarangan 1999 on Ratification of the ILO Convention Number 105
dan Tindakan Segera Penghapusan Bentuk-Bentuk Concerning The Abolition of Forced Labor. [GRI 103-2]
Pekerjaan Terburuk untuk Anak). Sementara itu,
pemberlakuan jam kerja dengan batasan waktu yang
jelas sehingga tidak terjadi kerja paksa sejalan dengan
Undang-Undang Republik Indonesia Nomor 19 Tahun
1999 Tentang Pengesahan ILO Convention Number 105
Concerning The Abolition of Forced Labour (Konvensi
ILO Mengenai Penghapusan Kerja Paksa). [GRI 103-2]
Kepatuhan Perseroan terhadap regulasi tentang The Company's compliance with regulations concerning
larangan mempekerjakan anak dan kerja paksa the prohibition of child labor and forced labor resulted
membawa hasil dengan tidak adanya insiden atau in no incidents or findings of child labor and forced
temuan kasus pekerja anak dan kerja paksa di Perseroan labor cases at the Company during the reporting year.
selama tahun pelaporan. [GRI 103-3, 408-1] [GRI 103-3, 408-1]

.01 .02 .03 .04
Upah Minimum Karyawan [OJK F.20]

Minimum Wages for Employees [OJK F.20]
Remunerasi atau imbalan kerja di Perseroan senantiasa The Company’s remuneration and employee benefits
merujuk pada regulasi yang berlaku, di antaranya policies pay heed to applicable regulations that include
Undang-Undang Nomor 13 Tahun 2003 tentang Law Number 13 of 2003 on Employment, which was
Ketenagakerjaan, yang disempurnakan melalui later refined through Law Number 11 of 2020 on Job
Undang-Undang Nomor 11 Tahun 2020 tentang Cipta Creation. Remuneration elements consist of basic
Kerja. Elemen remunerasi terdiri atas gaji pokok, salary, allowances, support for employee retirement
tunjangan, dukungan program pensiun karyawan programs and other benefits, the determination of
dan benefit lainnya, yang penetapannya mengacu which pay heed to Regional Minimum Wage standards.
kepada standar Upah Minimum Regional (UMR). In addition, remuneration is also based on 3P principles
Selain itu, pemberian remunerasi juga berpatokan that consist of Pay for Position, Pay for Person and Pay for
pada prinsip 3P, yaitu Pay for Position, Pay for Person Performance. In line with these principles, the Company
dan Pay for Performance. Sejalan dengan prinsip has also emphasized performance-based remuneration
tersebut, Perseroan juga menekankan pada kebijakan policy for employees in relation to business activities
remunerasi berbasiskan kinerja untuk karyawan in which the non-permanent compensation received
yang berhubungan dengan kegiatan usaha dimana by employees will be influenced by their contribution
kompensasi tidak tetap yang diterima karyawan akan and performance and that takes into account the
dipengaruhi oleh kontribusi dan kinerjanya dengan performance and capabilities of the Company.
memperhatikan kinerja dan kemampuan Perseroan.
Dalam upaya meningkatkan retensi dan engagement In an effort to increase employee retention and
karyawan, Perseroan berupaya untuk memberikan engagement, the Company seeks to provide benefits
benefit selain gaji pokok melalui fasilitas asuransi other than a basic salary through employee insurance
karyawan, kemudahan kredit motor karyawan, facilities, employee motorbike loans, housing for
tempat tinggal bagi karyawan di luar home based, employees (beyond home-based housing), emergency
pinjaman dana yang bersifat darurat, kesempatan loan funds, scholarship assistance opportunities for
bantuan beasiswa bagi karyawan dan anak karyawan, employees and their children, Health Care and Social
perlindungan BPJS Kesehatan dan ketenagakerjaan Security and employment protection, as well as
serta fasilitas benefit telekomunikasi. telecommunication benefits facilities.
Khusus bagi karyawan tetap golongan terendah yang Especially to the lowest entry level employees,
baru masuk (entry level), Perseroan memberikan upah the Company provides a minimum wage while still
minimum dengan tetap memperhatikan pemenuhan paying attention to the fulfillment of their decent
kebutuhan hidup layak mereka. Besaran upah minimum living needs. The minimum wage takes into account
diberikan dengan menyesuaikan harga kebutuhan the price of basic needs, inflation rate, standards of
pokok, tingkat inflasi, standar kelayakan hidup dan living and other variables. With these benchmarks in
variabel lainnya. Dengan patokan tersebut, maka mind, the Company has ensured that the lowest level
Perseroan memastikan bahwa gaji karyawan tetap level of permanent employee salaries is at least equal to
terendah minimal sama atau lebih dari ketentuan Upah or more than the provisions of Provincial Minimum
Minimum Provinsi (UMP), yang sebelumnya dikenal Wage regulations, something that was previously
dengan istilah Upah Minimum Regional tingkat 1 (UMR known as the Regional Minimum Wage level 1. This
Tingkat 1). Pemberian upah karyawan tetap di atas minimum wage is in accordance with the Decree
UMP telah sesuai dengan Keputusan Menteri Tenaga of the Minister of Manpower and Transmigration
Kerja dan Transmigrasi Nomor 226 Tahun 2000 tentang Number 226 of 2000 on Amendments to Article 1,
Perubahan Pasal 1, Pasal 3, Pasal 4, Pasal 8, Pasal 11, Article 3, Article 4, Article 8, Article 11, Article 20
Pasal 20 dan Pasal 21 Peraturan Menteri Tenaga Kerja and Article 21 of the Regulation of the Minister of
Nomor PER-01/MEN/1999 tentang Upah Minimum. [OJK Manpower Number PER-01/MEN/1999 on Minimum
F.20] [GRI 103-3, 202-1] Wage. [OJK F.20] [GRI 103-3, 202-1]

.05 .06 .07
Tabel Perbandingan Upah Karyawan Baru Level Terendah Dibanding Upah Minimum Provinsi Tahun 2021
Wage Comparisons for New Employees: Lowest Entry Level Employees Compared to Provincial Minimum Wages in 2021
Gaji Pegawai Entry Upah Minimum Rasio Gaji Pegawai EntryLevel

Wilayah Operational Level (Rp) Provinsi (Rp) Dibandingkan Upah Minimum
No
Operational Area Entry Level Employee Provincial Minimum Ratio of Entry Level Employee Salary
Salary (Rp) Wage (Rp) Compared to Minimum Wage
Kantor Pusat
1 4.982.087 4.276.350 1 : 1,17
Head Office
Cabang Kemayoran | Regional
Jakarta - Bogor - Depok - Bekasi
2 4.343.696 4.276.350 1 : 1,02
Kemayoran Branch | Regional of
Jakarta - Bogor - Depok - Bekasi
Cabang Bandung | Regional Jawa
Barat
3 3.749.022 3.623.778 1 : 1,03
Bandung Branch | West Java
Regional
Cabang Yogyakarta | Regional
Jawa Tengah
4 2.203.158 2.004.000 1 : 1,10
Yogyakarta Branch | Central Java
Regional
Cabang Sidoarjo | Regional Jawa
Timur, Bali, Nusa Tenggara
5 4.308.903 4.193.582 1 : 1,03
Sidoarjo Branch | Regional of East
Java, Bali, Nusa Tenggara
Cabang Medan | Regional
Sumatera Bagian Utara
6 3.338.106 3.222.557 1 : 1,04
Medan Branch | Regional of North
Sumatera
Cabang Palembang | Regional
Sumatera Bagian Selatan
7 3.471.273 3.165.519 1 : 1,10
Palembang Branch | Regional of
South Sumatera
Cabang Makassar | Regional
Kalimantan Sulawesi
8 3.356.993 3.191.572 1 : 1,05
Makassar Branch | Regional of
Kalimantan Sulawesi
Cabang Tangerang | Regional
Banten
9 4.199.358 4.168.269 1 : 1,01
Tangerang Branch | Regional of
Banten

.01 .02 .03 .04
Pelatihan dan Pengembangan

Sumber Daya Manusia [OJK F.22]
Human Resource Training and Development [OJK F.22]
Perseroan meyakini bahwa pengembangan kompetensi The Company believes that nurturing the competence
seluruh karyawan merupakan salah satu modal bagi of all employees can serve as a form of capital for the
tumbuh dan berkembangnya Perseroan, sekaligus Company's growth and development, while also serving
meningkatkan daya saing. Oleh karena itu, Perseroan to boost the Company's competitiveness. Towards
secara berkala menyelenggarakan berbagai program this end, the Company periodically organizes various
pelatihan dan pengembangan bagi karyawan. Dalam training and development programs for employees. It is
kegiatan ini, Perseroan mendorong seluruh karyawan through these activities that the Company encourages
tanpa terkecuali untuk mengembangkan kompetensi all employees to develop competencies that will be very
yang akan sangat bermanfaat dalam pengembangan beneficial in their career development. [GRI 103-1]
karir mereka. [GRI 103-1]
Tahun 2021 merupakan tahun kedua bagi In 2021 marked the second year that the Company
Perseroan dalam merealisasikan program-program implemented employee competency development
pengembangan kompetensi karyawan, baik di programs for its Head Office and Branch Offices. Its
Kantor Pusat maupun Kantor Cabang, mulai dari program throughout the pandemic encompassed all
level staff hingga level manajerial dalam situasi employees whether at the staff level or the managerial
pandemi. Walau tidak mudah, Perseroan bertekad level. Although it was not easy, the Company is still
untuk tetap menyelenggarakan pengembangan determined to continue to carry out its competency
kompetensi agar tujuan standardisasi dan upaya development programs so that it can accomplish its
meningkatkan kemampuan serta kompetensi objectives of standardization and its efforts to improve
karyawan dapat tercapai. the capabilities and competencies of employees.
Sesuai dengan keadaan yaitu masih berlangsungnya In accordance with the current situation namely, the
pandemi Covid-19, maka pengembangan kompetensi ongoing Covid-19 pandemic, competency development
tahun 2021 tetap dilakukan dengan memanfaatkan in 2021 was still carried out through the use of
teknologi seperti tahun sebelumnya. Selama tahun technology as was the case in the previous year. During
pelaporan, pelaksanaan pelatihan dilakukan the reporting year, training was conducted online and
dengan cara online dan menggunakan aplikasi yang made use of applications that supported a better and
mendukung proses pembelajaran karyawan yang lebih more effective employee learning process. Training
baik dan efektif. Metode Experimental Learning dengan activities such as Experimental Learning methods
adanya self learning, on the job training, coaching and with self learning, on-the-job training, coaching and
mentoring juga menjadi rangkaian kegiatan pelatihan mentoring were also implemented throughout 2021.
yang diterapkan selama tahun 2021. [GRI 103-2] [GRI 103-2]
Selain itu, guna memperkuat kompetensi manajerial In addition, in order to strengthen managerial
dilakukan program pengembangan karyawan competence, development programs for managers
melalui program: were also carried out through the following means:
1. Management Trainee yaitu pelatihan yang 1. Management Trainee is a training aimed at
ditujukan untuk mempersiapkan para fresh preparing fresh graduates to become leaders in
graduate untuk menjadi pemimpin di Perseroan. the Company.
2. First Line Managerial yaitu pelatihan yang ditujukan 2. First Line Managerial is a training aimed at internal
untuk para staff dari internal Perseroan yang siap staff of the Company who are ready to have a
berkarir ke jabatan yang lebih tinggi. career in a higher position.
3. WOM Managerial Program yaitu pelatihan bagi 3. WOM Managerial Program is a training for
para calon manajerial Perseroan. prospective managers of the Company.

.05 .06 .07
4. WOM Leadership for Senior Manager yaitu 4. WOM Leadership for Senior Manager, namely
pelatihan untuk pada senior manager untuk training for senior managers to develop strategic
mengembangkan strategic leadership dan leadership and leadership development to become
pengembangan kepemimpinan untuk menjadi senior manager.
senior manager.
Untuk mendapatkan hasil terbaik, Perseroan In order to get the best results, the Company has
mempercepat penerapan digitalisasi program-program accelerated its implementation of digitalization education
pendidikan dan pelatihan dengan konsep Virtual and its implementation of training programs done using
Training. Berbagai metode Digital Learning telah its concept of Virtual Learning. Various Digital Learning
diaplikasikan, seperti: Self Learning, Warming and Prime methods have been applied throughout the year, such as:
Quiz, Task Question, Online Training dengan metode Self Learning, Warming and Prime Quiz, Task Questions,
Online Group Discussion, Role Play dan Video Learning Online Training with Online Group Discussion method,
yang dilaksanakan dengan memanfaatkan fitur G-Suite Role Play Role Play and Video Learning, all of which were
(Google Classroom & Google Meet) dan ZOOM. carried out by utilizing G-Suite (Google Classroom &
Google Meet) and ZOOM.
Matriks pelatihan yang terpola masih tetap akan An organized training matrix in the form of a "Digital
menjadi fokus dari Perseroan dengan mengoptimalkan WOM On-Boarding Program", which was made
“Digital WOM on Boarding Program” yang merupakan mandatory for new recruits, was still a Company focus
salah satu pelatihan wajib bagi para rekrutan in 2021. The purpose of this program served as a means
baru. Tujuan program ini adalah sebagai sarana to increase engagement and to help recruits internalize
meningkatkan engagement dan internalisasi nilai-nilai company values.
Perseroan pada karyawan yang baru bergabung.
Selain itu, Perseroan juga tetap memberikan In addition, the Company also continued to provide
pengembangan reguler, baik secara technical skill regular training for employees in the form of technical
maupun soft skill untuk masing-masing jenjang skills and soft skills for each employee level. The
karyawan. Perseroan juga tetap mengintroduksi Company also continued to carry out its Development
Development Program yang merupakan sarana untuk Program that served as a means for employees to
jalur karir karyawan seperti WOM Managerial Program, further their career paths such as WOM Managerial
Management Trainee, First Line Manager dan People Program, Management Trainee, First Line Manager
Development Program akan menjadi prioritas pada and People Development Program, all of which were
program pendidikan dan pengembangan di Perseroan. prioritized when it came to education and development
Perseroan juga akan memastikan bahwa seluruh programs in the Company. The Company also ensured
manajerial akan memiliki sertifikasi dasar pembiayaan that all managers received a basic certification for
manajerial hingga satu tingkat dibawah jajaran Direksi managerial financing up to one level below the Board
dan memastikan seluruh karyawan yang memiliki of Directors and ensured that all employees who
profesi di bidang penagihan juga memiliki sertifikasi worked in the billing sector also received a billing
profesi penagihan. profession certification.
Sesuai dengan roadmap pengembangan sumber daya In accordance with its human resource development
manusia, maka selama tahun 2021, Perseroan telah roadmap, the Company has held 224 training batches
menyelenggarakan 224 batch pelatihan yang dikuti in 2021 that were attended by a total of 32,845
oleh menjangkau 32.845 peserta. Jumlah ini naik participants. This number increased significantly
signifikan apabila dibandingkan tahun 2020 dimana when compared to the 107 training batches that were
Perseroan menyelenggarakan 107 batch yang diikuti attended by 4,070 participants in 2020. Complete
oleh 4.070. Uraian kegiatan pengembangan kompetensi descriptions of the competency development activities

.01 .02 .03 .04
selengkapnya, termasuk rata-rata jam pelatihan that took place, including the average hours of
karyawan dan manajemen sesuai dengan jenis kelamin employee and management training according to
dan level jabatan, disampaikan pada tabel-tabel berikut: factors such as gender and employee position levels,
[GRI 103-3, 404-1] are presented in the following tables: [GRI 103-3, 404-1]
Tabel Pelatihan tahun 2019-2021

Training Activities in 2019-2021
2021* 2020 2019
Uraian Σ Realisasi Σ Realisasi Σ Realisasi

Description Total Peserta Total Peserta Total Peserta
Batch Total Batch Total Batch Total
Σ Batch Participants Σ Batch Participants Σ Batch Participants
Realization Realization Realization
Kompetensi Perilaku 59 14.693 7 299 16 319
Behavioral Competency
Akademi Pemasaran 9 7.850 12 270 6 126
Marketing Academy
Akademi Risiko 5 88 3 59 19 435
Risk Academy
Akademi Operasi 9 375 0 0 0 0
Operation Academy
Program Pengembangan 18 460 10 199 42 589
Development Program
Pelatihan Fungsional
Teknis 50 3.221 33 1.506 15 121
Technical Functional Training
Kepatuhan 8 710 8 1.009 1 34
Compliance
Sertifikasi Pembiayaan 19 768 1 49 1 170
Financing Certification
Pelatihan Umum 36 85 23 91 11 21
Public Training
Pengenalan WOM 11 4.595 10 588 10 4.074
WOM on Boarding
Jumlah 224 32.845 107 4.070 121 5.889
Total
*) Jumlah karyawan yg mengikuti pelatihan selama tahun 2021 merupakan akumulasi dari seluruh karyawan selama mengikuti training dimana 1 karyawan dapat
mengikuti lebih dari 1 kali training
*) Total employees participating in the training during 2021 is the accumulation of all employees during the training in which an employee can attend more than one
training
Pelatihan Berdasarkan Jenis Kelamin tahun 2019-2021

Training Activities Based on Gender in 2019-2021
2021 2020 2019

Uraian
Description Wanita Pria Wanita Pria Wanita Pria
Subtotal Subtotal Subtotal
Female Male Female Male Female Male
Kompetensi Perilaku 2.465 12.228 14.693 70 229 299 102 217 319
Akademi Pemasaran 1.120 6.730 7.850 51 219 270 18 108 126
Marketing Academy
Akademi Risiko 12 76 88 7 52 59 72 363 435
Risk Academy

.05 .06 .07
2021 2020 2019

Uraian
Description Wanita Pria Wanita Pria Wanita Pria
Subtotal Subtotal Subtotal
Female Male Female Male Female Male
Akademi Operasi
299 76 375 0 0 0 0 0 0
Operation Academy
Program Pengembangan
96 364 460 37 162 199 162 427 589
Development Program
Teknis 839 2.382 3.221 395 1.111 1.506 57 64 121
Kepatuhan
40 670 710 222 787 1.009 9 25 34
Compliance
Sertifikasi Pembiayaan
39 729 768 3 46 49 25 145 170
Pelatihan Umum
25 60 85 10 81 91 8 13 21
Public Training
Pengenalan WOM
1.069 3.526 4.595 189 399 588 1.042 3.032 4.074
WOM on Boarding
Jumlah 6.004 26.841 32.845 984 3.086 4.070 1.495 4.394 5.889
Total
Pelatihan Berdasarkan Level Jabatan tahun 2019-2021

Training Activities Based on Employee Position in 2019-2021
2021 2020 2019

Uraian
Description Manajerial Supervisor/ Staf Manajerial Supervisor/ Staf Manajerial Supervisor/ Staf
Managerial Head Staff Managerial Head Staff Managerial Head Staff
Kompetensi Perilaku 149 105 45 69 212 38

7.560 4.764 2.369
Akademi Pemasaran 3 28 239 2 101 23
72 1.444 6.334
Marketing Academy
Akademi Risiko 0 58 1 106 302 27
0 88 0
Risk Academy
Akademi Operasi 0 0 0 0 0 0
0 100 275
Operation Academy
Program
Pengembangan 227 233 0 123 74 2 230 332 27
Development Program
Teknis 568 851 87 19 65 37
978 1.325 918
Technical Functional
Training
Kepatuhan 130 877 2 6 25 3
360 349 1
Compliance
Sertifikasi Pembiayaan 49 0 0 170 0 0
201 276 291
Pelatihan Umum 80 11 0 11 9 1
63 21 1
Public Training
Pengenalan WOM 9 26 553 0 3.512 562
24 152 4.419
WOM on Boarding
Jumlah 9.485 8.752 14.608 1.111 2.030 929 613 4.558 718
Total

.01 .02 .03 .04
Rata-rata Jam Pelatihan Berdasarkan Level Jabatan Average Training Activity Hours Based on Employee
tahun 2019-2021 Position in 2019-2021
Tahun 2021
Year 2021
2021
Rata-Rata Rata-Rata Rata-Rata

Uraian Jam Jam Jam Jam Jam Jam
Description Manajerial Pelatihan Pelatihan Supervisor/ Pelatihan Pelatihan Staf Pelatihan Pelatihan
Managerial Training Average Head Training Average Staff Training Average
Hours Training Hours Training Hours Training
Hours Hours Hours
Kompetensi Perilaku 7.560 76.083 10,06 4.764 73.881 15,15 2.369 2.641 1,11
Akademi Pemasaran 72 207 2.88 1.444 5.043 3,48 6.334 17.474 2,76
Marketing Academy
Akademi Risiko 0 0 0,00 88 1.692 19,23 0 0 0,00
Risk Academy
Akademi Operasi 0 0 0,00 100 2.647 19,12 275 3.594 13,07
Operation Academy
Program
Pengembangan 227 22.789 100.39 233 12.097 98,37 0 0 0,00
Development Program
Teknis 978 6.071 6,21 1.325 8.177 6,09 918 4.865 5,30
Training
Kepatuhan 360 2.094 5,82 349 1.940 5,56 1 8 8,00
Compliance
Sertifikasi Pembiayaan 201 2.945 14.65 276 940 3,41 291 880 3,02
Pelatihan Umum 63 1.546 24,54 21 130 6,19 1 6 6,00
Public Training
Pengenalan WOM 24 155 6,46 152 618 3,76 4.419 17.420 3,94
WOM on Boarding
Jumlah
9.485 111.889 11,80 8.752 107.164 12,24 14.608 46.887 3,88
Total
*)Manajerial (General Manager dan Manager)
*) Managerial (General Manager and Manager)

.05 .06 .07
Tahun 2020
Year 2020
2020

Hours Hours Hours
Kompetensi Perilaku
149 222 1,49 105 105 1,00 45 292 6,49
Akademi Pemasaran
3 128 42,67 28 2,288 81,71 239 4,128 17,27
Marketing Academy
Akademi Risiko
0 0 0,00 58 2,368 40,83 1 40 40,00
Risk Academy
Akademi Operasi
0 0 0,00 0 0 0,00 0 0 0,00
Operation Academy
Program
Pengembangan 123 8.492 69,04 74 10,574 142,89 2 288 144,00
Development Program
Teknis
568 3.280 5,77 851 6.506 7,65 87 532 6,11
Training
Kepatuhan
130 202 1,55 877 1,746 1,99 2 4 2,00
Compliance
49 738 15,05 0 0 0,00 0 0 0,00
Pelatihan Umum
80 524 6,55 11 0 0,00 0 0 0,00
Public Training
Pengenalan WOM
9 27 3,00 26 78 3,00 553 1,659 3,00
WOM on Boarding
Jumlah
1.111 13.612 12,25 2,030 23,665 11,66 929 6,943 7,47
Total

.01 .02 .03 .04
Tahun 2019
Year 2019
2019

Hours Hours Hours
Kompetensi
Perilaku
69 1.192 17,28 212 3.180 15,00 38 292 7,68
Behavioral
Competency
Akademi
Pemasaran 2 2 1,00 101 5.336 52,83 23 736 32,00
Marketing Academy
Akademi Risiko
106 1.496 14,11 332 7.776 25,75 27 536 19,85
Risk Academy
Akademi Operasi
0 0 0,00 0 0 0,00 0 0 0,00
Operation Academy
Program
Pengembangan
230 10.614 46,15 332 23.562 70,97 27 2,272 84,15
Development
Program
Pelatihan
Fungsional Teknis
19 320 16,84 65 1.024 15,75 37 376 10,16
Training
Kepatuhan
6 96 16,00 25 160 6,40 3 48 16,00
Compliance
Sertifikasi
Pembiayaan
170 2.975 17,50 0 0 0,00 0 0 0,00
Financing
Certification
Pelatihan Umum
11 261 23,73 9 112 12,44 1 16 16,00
Public Training
Pengenalan WOM
0 0 0,00 3.512 14.048 4,00 562 2.248 4,00
WOM on Boarding
Jumlah
613 16.956 27,66 4.558 55.198 12,11 718 6.524 9,09
Total

.05 .06 .07
Rata-rata Jam Pelatihan Berdasarkan Jenis Kelamin Average Training Hours Based on Gender in 2019-2021
tahun 2019-2021
Tahun 2021
Year 2021
2021
Uraian Rata-Rata Rata-Rata

Description Jam Jam
Wanita Jam Pelatihan Pria Jam Pelatihan
Pelatihan Pelatihan
Female Average Training Male Average Training
Training Hours Training Hours
Hours Hours
Kompetensi
Perilaku
2.465 41.365 16,78 12.228 111.240 9,10
Behavioral
Competency
Akademi
Pemasaran 1.120 3.267 2,92 6.730 19.457 2,89
Marketing Academy
Akademi Risiko
12 252 21,00 76 1.440 18,95
Risk Academy
Akademi Operasi
299 4.810 16,09 76 1.431 18,83
Operation Academy
Program
Pengembangan
96 8.598 89,56 364 26.288 72,22
Development
Program
Pelatihan
Fungsional Teknis
839 4.270 5,09 2.382 14.843 6,23
Training
Kepatuhan
40 254 6,35 670 3.787 5,65
Compliance
Sertifikasi
Pembiayaan
39 376 9,64 729 4.389 6,02
Financing
Certification
Pelatihan Umum
25 1.100 44,00 60 582 9,70
Public Training
Pengenalan WOM
1.069 4.359 4,08 3.526 13.834 3,92
WOM on Boarding
Jumlah
6.004 68.651 11,43 26.841 197.290 7,35
Total

.01 .02 .03 .04
Tahun 2020
Year 2020
2020

Jam Jam
Description Wanita Jam Pelatihan Pria Jam Pelatihan
Pelatihan Pelatihan
Female Average Training Male Average Training
Hours Hours
Kompetensi
Perilaku
70 192 2,74 229 516 2,25
Behavioral
Competency
Akademi
Pemasaran
51 920 18,04 219 5.624 25,68
Marketing
Academy
Akademi Risiko
7 216 30,86 52 2.192 42,15
Risk Academy
Akademi
Operasi
0 0 0,00 0 0 0,00
Operation
Academy
Program
Pengembangan
37 4.196 113,41 162 15.158 93,57
Development
Program
Pelatihan
Fungsional
Teknis
395 2.764 7,00 1,111 7.554 6,80
Technical
Functional
Training
Kepatuhan
222 440 1,98 787 1.512 1,92
Compliance
Sertifikasi
Pembiayaan
3 48 15,83 46 690 15,00
Financing
Certification
Pelatihan
Umum 10 524 52,40 81 92 1,14
Public Training
Pengenalan
WOM
189 567 3,00 399 1.197 3,00
WOM on
Boarding
Jumlah
984 9.866 10,03 3,086 34.535 11,19
Total

.05 .06 .07
Tahun 2019
Year 2019
2019

Jam Jam
Description Wanita Jam Pelatihan Pria Jam Pelatihan
Pelatihan Pelatihan
Female Average Male Average
Kompetensi Perilaku
102 1.596 15,65 217 3.068 14,14
Akademi Pemasaran
18 944 52,44 108 5.232 48,44
Marketing Academy
Akademi Risiko
72 1.360 18,89 363 8.448 23,27
Risk Academy
Akademi Operasi
0 0 0,00 0 0 0,00
Operation Academy
Program Pengembangan
162 9.780 60,37 427 26.668 62,45
Development Program
Teknis 57 896 15,72 64 824 12,88
Kepatuhan
9 144 16,00 25 400 16,00
Compliance
25 438 17,50 145 2.538 17,50
Pelatihan Umum
8 232 29,00 13 157 12,08
Public Training
Pengenalan WOM
1.042 4.168 4,00 3.032 12.128 4,00
WOM on Boarding
Jumlah
1.495 19.558 13,08 4394 59.463 13,53
Total
Untuk membiayai berbagai program pengembangan To finance the various above mentioned employee
karyawan selama tahun 2021 seperti di atas, Perseroan development programs throughout 2021, the Company
telah mengucurkan dana sebesar Rp3,44 miliar, has disbursed Rp3.44 billion, decrease from the previous
menurun dari tahun sebelumnya, sebagaimana year as shown in the following table:
ditunjukkan dalam tabel berikut:
Tabel Biaya Pengembangan Kompetensi Tahun 2019-2020

Competency Development Costs Table for 2019-2020
Realisasi
Tahun (dalam juta rupiah)
Year Realization
(In Rp Million)
2021 3,44
2020 4,13
2019 23,7

.01 .02 .03 .04
Review dan Pengembangan Karier Pegawai

Employee Careers Reviews and Development
Penilaian atau review atas kinerja karyawan merupakan The Company is obligated to assessing or reviewing
kewajiban Perseroan sebagai bentuk tanggung jawab employee performance. This serves as a form of
atas kinerja karyawan selama tahun pelaporan. responsibility for the work performance of employees
Terkait penilaian karyawan, Perseroan terus berupaya during the reporting year. When it comes to employee
mendorong setiap karyawan agar mengoptimalkan assessments, the Company has continued to encourage
kemampuannya sehingga dapat meraih jenjang each employee to optimize their abilities so that they
karier yang lebih tinggi. Untuk itu, Perseroan can reach higher career paths. Towards that end, the
menyelenggarakan program manajemen talenta Company has organized talent management and
dan suksesi yang merupakan proses menyiapkan dan succession programs for preparing and developing
mengembangkan karyawan bertalenta sehingga siap talented employees so that they can become ready
untuk menjadi tokoh sukses yang menempati posisi- to turn into successful figures that can occupy critical
posisi kritikal di Perseroan. positions in the Company.
Perseroan melakukan penilaian kinerja terhadap seluruh The Company periodically evaluates the performance of
karyawan di setiap jenjang jabatan secara berkala dengan all employees at every level of position by prioritizing
mengedepankan komunikasi one on one antara karyawan one on one communication between employees and
dengan atasan. Dalam rangka mempertahankan mutu superiors. In order to maintain the quality of the
pengelolaan kinerja Perseroan, maka Direktorat Human Company’s performance management, the Human
Capital bekerjasama dengan unit kerja terkait untuk Capital Directorate has cooperated with relevant work
memastikan keselarasan antara strategi dan target units to ensure that there is an alignment between the
Perseroan dengan Key Performance Indicator (KPI) yang Company’s strategy and targets with Key Performance
menjadi target unit kerja dan karyawan yang tertuang Indicators (KPI) that are the targets of work units
ke dalam Individual Performance Planning (IPP). Kinerja and employees as stated in Individual Performance
setiap karyawan yang berhubungan dengan kegiatan Planning. The performance of each employee related
usaha Perseroan dilaporkan secara bulanan melalui to the Company’s business activities is reported on a
sistem laporan berkala dan sistem rank grading untuk monthly basis through a periodic report system and a
memastikan adanya proses evaluasi atas pencapaian rank grading system to ensure that there is a process

.05 .06 .07
kinerja dan tindakan koreksi untuk mengatasi kendala- evaluation of performance achievements and corrective
kendala yang dihadapi. Setiap tahun, Perseroan actions to overcome any obstacles encountered. Every
menyelenggarakan penilaian kinerja tengah tahun dan year, the Company conducts mid-year and end of year
akhir tahun yang diawali dengan self appraisal dan performance appraisals, beginning with self-appraisal
dilanjutkan dengan mekanisme penilaian kinerja secara and followed by a gradual performance appraisal
berjenjang. Sama seperti tahun sebelumnya, situasi mechanism. As with the previous year, the prolonged
pandemi Covid-19 berkepanjangan selama tahun 2021 Covid-19 Pandemic situation throughout 2021 did
sama sekali tidak menghambat implementasi penilaian not at all hinder the implementation of performance
kinerja meski sebagian karyawan menjalankan pekerjaan appraisals. Some employees had to work from home
dari rumah (Work from Home - WFH) karena Perseroan and use G-Suite features (G-Sheet and G-Drive) to
memanfaatkan fitur G-Suite (G-Sheet dan G-Drive) ensure that all employee performance was digitally
untuk memastikan seluruh kinerja karyawan dinilai assessed and documented. The implementation of
dan didokumentasikan secara digital. Implementasi employee performance management was carried out
pengelolaan kinerja karyawan dilakukan secara in an integrated manner with other HR management
terintegrasi dengan proses pengelolaan SDM lainnya processes in order to ensure effectiveness throughout
dalam rangka untuk memastikan efektivitas proses. the process.
Hasil penilaian kinerja menjadi faktor penting dalam The results of each performance appraisal are
penentuan pengembangan diri karyawan, jenjang important factors in determining employee self-
karir dan penerimaan remunerasi karyawan serta development, career paths and acceptance of employee
menjadi pertimbangan dalam pemberian sanksi apabila remuneration. It also serves as a point of consideration
diperlukan. Berkaitan dengan penilaian karyawan, in giving sanctions if necessary. In relation to employee
Perseroan juga menyediakan program khusus, yakni assessment, the Company also has a special program,
pra-jabatan bagi para karyawan yang mendapatkan namely, its pre-service for employees who are promoted
promosi untuk menduduki jenjang manajemen puncak, to top management levels such as Division Heads or
yakni Kepala Divisi maupun menjadi Direksi. Board of Directors.
Hasil penilaian atau review karyawan selengkapnya The results of all the employee assessments or reviews
disajikan dalam tabel berikut: are presented in the following tables:
Tabel Tinjauan Rutin Karyawan dan Jenjang Karir

Employee Review Table and Career Paths
Hasil Penilaian dan Relevansi Pengembangan Karier

Assessment Results and Relevance for Career Development
Jumlah Pegawai yang

Tahun Rotasi/
Mendapatkan Peninjauan/Review
Year Promosi Mutasi Demosi
Number of Employees Receiving
Reviews (orang) (orang) (orang)
% % %
Promotions Rotations/ Demotions
(Persons) Mutations (Persons)
(Persons)
1.094 Karyawan | Employee

2021 (45,30% dari total karyawan) 433 17,93% 614 25,42% 47 1,95%
of total employee
of total employee
of total employee

.01 .02 .03 .04
Rencana Pengembangan SDM Tahun 2022

Human Resources Development Plan for 2022
Perseroan menyadari bahwa upaya untuk mewujudkan The Company understands that efforts to realize
sumber daya manusia dengan kualitas terbaik the highest quality of human resources requires
diperlukan usaha yang simultan dan kontinu. Untuk simultaneous and continuous efforts. It is for this reason
itu, setelah Perseroan menyelesaikan semua rencana that the Company has determined its 2022 human
tahun 2021, maka pada tahun 2022, Perseroan telah resource development plan with the theme “Raise
menetapkan rencana pengembangan sumber daya up Great Leaders & Develop Digitalization in Human
manusia dengan Tema “Raise up Great Leaders & Capital Process” with the following work plans:
Develop Digitalization in Human Capital Process”
dengan rencana kerja sebagai berikut:
Siap Masuk Dunia Digital

Ready to Enter Digital World
- WOM CAREER APPLICANT TRACKING SYSTEM

APPLICATION
- LEARNING MANAGEMENT SYSTEM
- PERFORMANCE APPRAISAL ONLINE
- TALENT MANAGEMENT SYSTEM
- PERJALANAN DINAS BY SYSTEM
Siap Mengembangkan Karyawan yang Agile dan Membangun Budaya Sinergi

Ready to develop Agile employees and Build a Synergy Culture
- ASSESMENT CENTER
- WOM COACHING CLUB
- WOM TRAINER ACADEMY
- PIKSEL/MULTIMEDIA COMMUNITY
- WOMERS MELEK FINANSIAL
- INNOVATIVE & CREATIVE THINKING COMMUNITY

- PSYCHOLOGY SUPPORT & ASSISTANCE

- MENTAL WELLNESS INSIGHT
- EMPLOYEE WELL BEING VOICES
- WELLNESS PROGRAM

.05 .06 .07
BERSAMA MEWUJUDKAN ANGKA

KECELAKAAN KERJA NIHIL [OJK F.21]
Together Realizing Zero Work Accident Rate [OJK F.21]
Pencapaian target-target dalam rencana bisnis Perseroan tidak sempurna

jika tidak disertai dengan keberhasilan mewujudkan Kesehatan dan Keselamatan
Kerja secara komprehensif
The achievement of the targets in the Company's business plan is not perfect if it is not accompanied by the
success of realizing Health and Safety Work comprehensively
Lingkungan kerja yang sehat dan aman seusai dengan A healthy and safe work environment in accordance
kaidah Kesehatan dan Keselamatan Kerja (K3) merupakan with Occupational Health and Safety (OHS) rules is
faktor penting dalam operasional bisnis Perseroan. essential in the Company’s business operations. In
Tak hanya membuat karyawan bekerja dengan hati addition to giving convenience for the employees, the
tenang, terwujudnya lingkungan kerja serupa itu juga realization of healthy and safe work environment will
akan membuat mereka nyaman dan senang. Perseroan also make them comfortable and happy in working.
meyakini, perpaduan antara kondisi lingkungan kerja The Company believes that the combination of a safe
yang aman dengan suasana kerja yang menyenangkan and favorable work climate will make employees
akan membuat karyawan lebih optimal dan produktif more optimal and productive at work. Such employee
dalam bekerja. Dengan performa karyawan seperti performance will further encourage the improvement
itu selanjutnya akan mendorong peningkatan kinerja of the Company’s performance to be able to achieve
Perseroan sehingga mampu mencapai target-target yang the set targets in 2021 Annual Business Plan. [GRI 103-1]
telah ditetapkan dalam Rencana Bisnis Tahunan 2021.
[GRI 103-1]
Untuk mewujudkan lingkungan kerja terbaik, To create the best work environment, the Company
Perseroan mengadopsi berbagai regulasi yang berlaku adopts various applicable regulations in Indonesia,
di Indonesia, antara lain, Peraturan Pemerintah Nomor among others, Government Regulation Number 50
50 Tahun 2012 tentang Penerapan Sistem Manajemen of 2012 concerning Implementation of Occupational
Keselamatan dan Kesehatan Kerja, Keselamatan dan Safety and Health Management Systems, Occupational
Kesehatan Kerja (SMK3). Peraturan ini wajib diadopsi Safety and Health (SMK3). This regulation becomes
karena Perseroan mempekerjakan karyawan lebih dari necessary to be adopted because the Company employs
100 orang. Merujuk peraturan ini, K3 didefinisikan more than 100 employees. Referring to this regulation,
sebagai segala kegiatan yang dilakukan Perseroan OHS is defined as all of the Company’s activities
untuk menjamin dan melindungi keselamatan dan to guarantee and protect the safety and health of
kesehatan tenaga kerja melalui upaya pencegahan workers through efforts to prevent work accidents and
kecelakaan kerja dan penyakit akibat kerja. [GRI 103-2] occupational diseases. [GRI 103-2]
Begitu pentingnya penciptaan lingkungan kerja yang Due to the importance of creating a healthy and safe
sehat dan aman, maka Perseroan berpandangan bahwa work environment, Annual views that the achievement
pencapaian target-target dalam Rencana Bisnis Tahunan of the targets in Annual Business Plan is closely
tidak sempurna jika tidak disertai dengan keberhasilan related to the success of realizing OHS performance
mewujudkan kinerja K3 secara paripurna. Oleh karena comprehensively. Therefore, with the support of all
itu, dengan dukungan dari segenap karyawan, Perseroan employees, the Company is committed to implementing
berkomitmen untuk melaksanakan aspek-aspek K3 di OHS aspects in all business lines with the ultimate goal
semua lini usaha dengan tujuan akhir tercapainya angka of achieving zero accident and no occupational disease.
kecelakaan kerja nihil (zero accident) dan tidak ada [GRI 103-2]
penyakit akibat kerja. [GRI 103-2]

.01 .02 .03 .04
LANDASAN KEBIJAKAN BASIS OF POLICY
Perseroan mengacu dan berpedoman pada sejumlah The Company refers to some laws and regulations
peraturan dan perundang-undangan yang mengatur governing OHS and its derivatives in an effort to realize
tentang K3 beserta turunannya dalam upaya a healthy and safe work environment, including: [GRI
merealisasikan lingkungan kerja yang layak dan aman, 103-2]
antara lain: [GRI 103-2] 1. Law Number 1 of 1970 concerning Occupational
1. Undang-undang Nomor 1 Tahun 1970 tentang Safety
Keselamatan Kerja 2. Law Number 23 of 1992 concerning Health
2. Undang-undang Nomor 23 tahun 1992 tentang
Kesehatan 3. Law Number 13 of 2003 concerning Manpower
3. Undang-undang Nomor 13 Tahun 2003 tentang
Ketenagakerjaan 4. Law Number 11 of 2020 Omnibus Law on Job
4. Undang-Undang Nomor 11 Tahun 2020 tentang Creation
Cipta Kerja 5. Government Regulation of the Republic of Indonesia
5. Peraturan Pemerintah Republik Indonesia Nomor 50 Number 50 of 2012 concerning Implementation
Tahun 2012 tentang Penerapan Sistem Manajemen of Occupational Health and Safety Management
Keselamatan dan Kesehatan Kerja (SMK3) System (SMK3)
6. Keputusan Presiden Nomor 22 Tahun 1993 tentang 6. Presidential Decree Number 22/1993 concerning
Penyakit yang Timbul Akibat Hubungan Kerja Diseases Arising Due to Employment
7. 005/PLC/OPP/05-21 Policy Manajemen Operasional 7. 005/PLC/OPP/05-21 Operational Management Policy
(Bab F Standarisasi dan Pengelolaan Gedung/ (Chapter F Standardization and Management
Bangunan) of Buildings)
8. 120/SK/HCSS/10-20 Surat Kebijakan Asuransi 8. 120/SK/HCSS/10-20 Health Insurance Policy Letter
Kesehatan
9. Peraturan Perusahaan PT Wahana Ottomitra 9. Corporate Regulation of PT Wahana Ottomitra
Multiartha Tbk Periode 2021-2023 Multiartha Tbk for 2021-2023 Period

.05 .06 .07
Layanan Terbaik Untuk

Kepuasan Konsumen
Excellent Services For Customer Satisfaction
Hasil survei tingkat kepuasan konsumen tahun 2021 meningkat dibanding tahun
sebelumnya, baik terkait tampilan, kehandalan, tanggapan, jaminan maupun empati
The survey results on the consumer satisfaction level in 2021 increased compared to the previous year, in terms of
appearance, reliability, response, assurance and empathy
Konsumen merupakan salah satu pemangku kepentingan Customers are one of the main stakeholders of the
utama bagi Perseroan. Dukungan dan keberadaan mereka Company, whose supports and presence hold a decisive
sangat menentukan perkembangan dan keberlangsungan factor in the development and continuous business
Perseroan. Semakin banyak konsumen yang dimiliki dan of the Company. The more customers whose trust is
berhasil dijaga kepercayaannya, maka keberlangsungan maintained, the business continuity of the Company
usaha Perseroan akan lebih terjamin. Begitu pula will be more guaranteed and vice versa. [GRI 103-3]
sebaliknya. [GRI 103-3]
Posisi dan kedudukan konsumen yang begitu The importance of customers encourages the Company
penting mendorong Perseroan untuk terus berupaya to continuously generate excellent and equal products
memberikan produk dan layanan terbaik dan setara and services to all customers. The Company’s best
kepada seluruh konsumen tanpa terkecuali. Bagi services include innovation in marketing, distribution,
Perseroan memberikan pelayanan terbaik termasuk di service placement and opens complaint channels for
dalamnya adalah melakukan inovasi dalam pemasaran, customers and strives to provide the best solutions
distribusi, penempatan layanan serta membuka immediately. If all the efforts realized, that customer
saluran pengaduan bagi konsumen dan berupaya satisfaction will be gained only if it can realize those
maksimal untuk memberikan solusi terbaik segera. efforts, which in turn improving the Company’s
Apabila semua upaya tersebut bisa diwujudkan, maka reputation. [OJK F.17, F.26]
kepuasan konsumen akan diraih, yang pada gilirannya
akan meningkatkan citra Perseroan. [OJK F.17, F.26]
Perseroan memberikan pelayanan kepada konsumen The Company continues to provide only excellent
secara setara dengan kualitas terbaik karena mereka services to all customers, as regulated in Law Number
memiliki hak tersebut sebagaimana diatur dalam 8 of 1999 concerning Consumer Protection (State
Undang-Undang Nomor 8 Tahun 1999 tentang Gazette of the Republic of Indonesia of 1999 Number
Perlindungan Konsumen (Lembaran Negara Republik 22, Supplement to the State Gazette of the Republic
Indonesia Tahun 1999 Nomor 22, Tambahan Lembaran of Indonesia Number 3821). In addition, the Company
Negara Republik Indonesia Nomor 3821). Selain refers to Financial Services Authority Regulation Number
itu, dalam memberikan layanan kepada konsumen, 1/POJK.07/2013 concerning Consumer Protection in the
Perseroan juga merujuk pada Peraturan Otoritas Jasa Financial Services Sector. [GRI 103-2]
Keuangan Nomor 1/POJK.07/2013 tentang Perlindungan
Konsumen Sektor Jasa Keuangan. [GRI 103-2]
Selaras dengan berlakunya POJK Nomor 51/POJK.03/2017, In line with the effective POJK Number
sejumlah isu atau topik yang menjadi perhatian Perseroan 51/POJK.03/2017, the following issues or topics are
berkaitan dengan upaya memberikan pelayanan terbaik the Company’s concerns in providing the best services
kepada konsumen adalah sebagai berikut: [GRI 103-3] to customers: [GRI 103-3]

.01 .02 .03 .04
Inovasi dan Pengembangan Produk atau

Jasa Keuangan Berkelanjutan [OJK F.26]
Innovation and Development of Sustainable Finance Product or Service [OJK F.26]
Konsumen Perseroan untuk kepemilikan kendaraan The Company's customer with two-wheeled vehicles
roda dua, pada umumnya adalah masyarakat golongan are generally the lower middle class or Micro, Small
menengah ke bawah atau pelaku Usaha Mikro, Kecil dan and Medium Enterprises businesses who need mobility
Menengah yang membutuhkan dukungan mobilitas support through motor vehicle ownership. To meet
melalui kepemilikan kendaraan bermotor. Oleh karena the customer's needs, the Company develops simple,
itu, untuk memenuhi kebutuhan mereka, Perseroan easily accessible and convenient financing products,
mengembangkan produk pembiayaan yang sederhana, while continuously prioritizing risk mitigation for the
mudah dimengerti dan mudah diakses dengan tetap Company.
mengedepankan mitigasi risiko bagi Perseroan.
Untuk mempermudah akses masyarakat terhadap To facilitate public access to the financing products,
pembiayaan yang disediakan, Perseroan terus berupaya The Company continues to expanding network across
untuk memperluas jaringan sehingga keberadaan all major cities in Indonesia to sustain its business.
layanannya kian tersebar di berbagai kota besar Thus, to simplify access and accelerate financing facility
utama di Indonesia. Seiring dengan upaya tersebut, execution, the Company has developed a digital
untuk memudahkan akses dan mempercepat eksekusi technology service portal that is accessible on any
fasilitas pembiayaan, Perseroan telah mengembangkan device. The service has helped the Company identify
portal layanan berbasis teknologi digital yang dapat and give financing facilities more rapidly and accurately.
diakses konsumen melalui gadget maupun perangkat The Company has also developed various initiatives,
elektronik lainnya. Dengan layanan tersebut, maka such as new mobile surveys, new mobile collections,
proses identifikasi dan persetujuan pemberian fasilitas and WhatsApp KEYLA.
pembiayaan dapat berlangsung lebih cepat dan
akurat. Inisiatif yang telah dikembangkan Perseroan
di antaranya new mobile survey, new mobile collection
dan WhatsApp KEYLA.
Upaya lain untuk mempermudah konsumen membayar To provide convenience in payment process, To
angsuran, saat ini Perseroan telah bekerja sama dengan facilitate consumers to pay installments, the Company
sejumlah marketplace seperti DANA, Bukalapak, currently collaborates with many marketplaces such
Shopee, Gobills, Link Aja dan Tokopedia. Perseroan as DANA, Bukalapak, Shopee, Gobills, Link Aja and
juga telah bekerja sama dengan PT Bank Maybank Tokopedia. The Company also collaborates with
Indonesia Tbk (MBI) dalam layanan pembayaran melalui PT Bank Maybank Indonesia Tbk (MBI) in payment
QRIS (Quick Respons Code Indonesia Standard). Selain services through QRIS (Quick Response Code Indonesia
itu, kebijakan service excellence yang berlaku di tiap Standard). In addition, the service excellence policies
kantor cabang juga bertujuan untuk meningkatkan that apply in all branch office aims to enhance the
kualitas penanganan pengaduan konsumen merujuk quality of customers complaint handling referring
pada Surat Kebijakan Nomor 98/SK/OPP/09-20 terkait to Policy Number 98/SK/OPP/09-20 regarding Service
Layanan dan Pengaduan Konsumen. Selanjutnya, and Consumer Complaints. The Company periodically
Perseroan melakukan pelatihan dan pengembangan conducts training and development of service excellence
service excellence secara berkala bagi karyawan for frontline employees in several Branch Offices.
frontliner di berbagai Kantor Cabang.

.05 .06 .07
Produk yang Sudah Dievaluasi

Keamanannya [OJK F.27]
Safe Guaranteed Products [OJK F.27]
Produk-produk pembiayaan yang kini disediakan The Company’s financing products have passed the
Perseroan sudah melewati pengujian keamanan produk OJK’s product safety test and pay attention to social risk
sesuai peraturan OJK dan telah pula memperhatikan mitigation. In mitigating risks, the Company lists basic
mitigasi risiko sosial. Dalam rangka mitigasi risiko, financial literacy activities into the current CSR programs
Perseroan bahkan memasukkan kegiatan literasi that are implemented in several Branch Offices.
keuangan dasar pada program CSR yang dijalankan
dan dilaksanakan di berbagai Kantor Cabang.
Dampak Produk atau Jasa [OJK F.28]

Impact of Products or Services [OJK F.28]
Kegiatan usaha Perseroan tidak memiliki dampak The Company’s business activities do not have direct
fisik secara langsung terhadap masyarakat. Dampak impact to the community. The real impact of financing
nyata dari kehadiran Perseroan pembiayaan, termasuk companies, including banking, is generally changes
perbankan, secara umum adalah perubahan pola in consumption/shopping of durable goods, such as
konsumsi/belanja barang-barang tahan lama, seperti electronics, gadgets and motor vehicles.
peralatan elektronik, gadget maupun kendaraan
bermotor.
Kemudahan mendapatkan fasilitas pembiayaan dengan Convenience in getting affordable financing facilities
down payment yang terjangkau mempengaruhi with down payment has attracted customers, especially
masyarakat, khususnya dengan tingkat penghasilan from middle to lower income level, as a means to
menengah ke bawah untuk membeli berbagai purchase various goods. At the same time, they may
berbagai barang-barang tersebut dan cenderung make buying decisions without prudence with respect
mengesampingkan kemampuan membayar angsuran to their repayment ability. The Company has mitigated
bulanan dengan proporsi perbandingan penghasilan the impact by realizing financial literacy program.
yang bijaksana. Perseroan telah melakukan mitigasi
terhadap dampak tersebut dengan merealisasikan
program literasi keuangan.

.01 .02 .03 .04
Produk atau Jasa yang Ditarik

Kembali [OJK F.29]
Withdrawn Products or Services [OJK F.29]
Pada tahun 2021, tidak ada produk atau jasa Perseroan In 2021, there is not any the Company’s products
yang ditarik dengan alasan dan pertimbangan apapun. or services were withdrawn for any reason
and consideration.
Pengaduan Konsumen [OJK F.24]

Customer Complaint [OJK F.24]
Sebagai bagian dari pemangku kepentingan utama, Customers are one of the main stakeholders of
maka merupakan hal yang wajar apabila konsumen the Company. Thus, customers may have high
memiliki ekspektasi tinggi atas kinerja produk dan expectation on the Company products and services.
layanan Perseroan. Untuk memenuhi ekspektasi To meet the expectation, the Company has set up
itu, Perseroan telah menyediakan berbagai saluran communication channels for customers, through
penyampaian keluhan atau pengaduan bagi konsumen phone, email, website, letter, social media, WhatsApp
melalui telepon, email, situs, surat, media sosial, or customers can also directly report to the
WhatsApp atau menyampaikan secara langsung ke Company operational offices. All complaints are
kantor operasional Perseroan. Semua pengaduan managed by Service Quality Department. [GRI 103-3]
konsumen yang masuk dikelola oleh Departemen
Service Quality. [GRI 103-3]

.05 .06 .07
INFOGRAFIK MEDIA PENGADUAN KONSUMEN

INFOGRAPHICS OF CONSUMER COMPLAINTS
Keluhan/Pengaduan LISAN, yaitu Pengaduan yang diajukan dan diterima Perseroan secara lisan
melalui telepon ke:
VERBAL Complaints are Complaints submitted and received by the Company verbally by phone to:
Kantor Pusat, Kantor Cabang dan Kantor

Tele Center Selain Kantor Cabang.
0804-1-123-888 Head Office, Branch Office and Non
Branch Office.
Keluhan/Pengaduan TERTULIS, yaitu Pengaduan yang diajukan dan diterima Perusahaan secara tertulis
yang disampaikan melalui:
WRITTEN Complaints are Complaints submitted and received by the Company in writing submitted via:
Surat yang ditujukan kepada Surat Elektronik (email) yang ditujukan Datang langsung (walk in) ke
Kantor Pusat, Kantor Cabang dan kepada inbound care: wcare@wom.co.id Kantor Pusat, Kantor Cabang dan
Kantor Selain Kantor Cabang. Kantor Selain Kantor Cabang.
Email to inbound care: wcare@wom.co.id
Letter addressed to the Head Walk In to the Head Office,
Office, Branch Office and Non Branch Office and Non
Branch Office. Branch Office.
Media Sosial Perusahaan:

Website Perusahaan : www.wom.co.id Whatsapp Hotline
0811-19511-888 Company’s Social Media Accounts:
Company Website : www.wom.co.id
Instagram : @womfinance_id
Facebook : WOM Finance
Twitter : @womfinance_id
Selanjutnya, sebagaimana diatur dalam Undang-Undang As stipulated in the Law on Consumer Protection and
tentang Perlindungan Konsumen dan POJK tentang the POJK on Consumer Protection in the Financial
Perlindungan Konsumen Sektor Jasa Keuangan, maka Services Sector, the Company applies the principles
Perseroan menerapkan prinsip untuk menangani of handling complaints and resolving customer
pengaduan serta penyelesaian sengketa konsumen disputes in a simple and quick manner. In responding
secara sederhana dan cepat. Terhadap pengaduan yang incoming complaints, the Company will immediately
masuk, Perseroan akan segera menindaklanjuti dan follow up and resolve them no later than 20 working
menyelesaikannya paling lambat 20 hari kerja setelah days after the date of receipt of the complaint. If
tanggal penerimaan pengaduan. Dalam hal terdapat certain conditions ocurred, the Company may extend
kondisi tertentu, Perseroan dapat memperpanjang the period up to a maximum of the next 20 working
jangka waktu sampai dengan paling lama 20 hari days and the extension shall be notified in writing
kerja berikutnya dan perpanjangan waktu tersebut to the consumer who filled a complaint before
diberitahukan secara tertulis kepada konsumen yang the end of the first 20 days. The Company follows
mengajukan pengaduan sebelum jangka waktu 20 hari up and resolves incoming complaints and reports
pertama berakhir. Atas pengaduan yang masuk, tindak them regularly to the Financial Services Authority.
lanjut dan penyelesaiannya, Perseroan melaporkannya
secara berkala kepada Otoritas Jasa Keuangan.

.01 .02 .03 .04
Perseroan menerima pengaduan konsumen sebanyak 12 The Company received 12 cases of consumer
kasus, dimana 11 kasus sudah bisa diselesaikan dengan complaints, 11 of which have been successfully
baik dan 1 kasus masih dalam proses penanganan. resolved and 1 case is still in the settlement process.
Jumlah pengaduan ini turun sangat signifikan The number of complaints decreased significantly
dibandingkan tahun sebelumnya, yang mencapai 60 compared to the previous year, which reached 60
kasus, sebagaimana tabel berikut: [GRI 103-3] cases, as presented in the following table: [GRI 103-3]
Tabel Status Penyelesaian Pengaduan Nasabah tahun 2019-2021

Table of Consumer Complaint Settlement Status in 2019-2021
Status Penyelesaian
Settlement Status
Jumlah
Jenis Pengaduan
No Pengaduan Dalam
Types of Complaint
Total Complaint Selesai Tidak Selesai Penyelesaian
Settled Unsettled Settlement in
Progress
2021
1 5 5 0 0
SLIK OJK/ BI Checking Report
2 4 4 0 0
Collection Service
Kebijakan Produk (Publikasi Negatif)
3 1 1 0 0
Product Policy (Negative Publication)
Pelayanan Marketing
4 2 1 0 1
Marketing Services
2020
1 56 56 0 0
Pembayaran E-Channel
2 1 1 0 0
E-Channel Payment
Kesamaan NIK
3 3 3. 0 0
NIK Similarity
2019
Asuransi
1 149 149 0 0
Insurance
2 Channel Payment 17 17 0 0
Copy Perjanjian Kontrak/ Paham Pembiayaan
3 2 2 0 0
Copy of Contract/Financing
Data Kartu Piutang
4 5 5 0 0
Credit Card Data
Jaringan Channel Payment
5 4 4 0 0
Channel Payment Network
6 SLA Channel Payment 10 10 0 0
Kesamaan NIK
7 1 1 0 0
NIK Similarity

.05 .06 .07
Tabel Status Penyelesaian Pengaduan Nasabah tahun 2019-2021

Table of Consumer Complaint Settlement Status in 2019-2021
Status Penyelesaian
Settlement Status
Jumlah
Jenis Pengaduan
No Pengaduan Dalam
Types of Complaint
Total Complaint Selesai Tidak Selesai Penyelesaian
Settled Unsettled Settlement in
Progress
Mirroring SLIK OJK

8 12 12 0 0
SLIK OJK Mirroring
9 108 108 0 0
10 7 7 0 0
Collection Service
Pelayanan CMO/DMO
11 4 4 0 0
CMO/DMO Service
Pelayanan CS
12 1 1 0 0
CS Service
Pelayanan Karyawan Lainnya
13 4 4 0 0
Other Employee Service
Proses Pengambilan BPKB
14 3 3 0 0
BPKB Collection Process
15 SMS Gateaway 1 1 0 0
STNK/BBN/Mutasi
16 3 3 0 0
Vehicle Registration/BBN/Mutation
Proses Pelunasan Kontrak
17 4 4 0 0
Contract Payment Process
Proses Pengajuan Kredit
18 4 4 0 0
Credit Proposal Process
Proses Pengambilan BPKB
19 16 16 0 0
BPKB Collection Process
Proses Tarik Unit
20 11 11 0 0
Unit Withdrawal Process
Pengaduan Lainnya
21 5 5 0 0
Other Complaint
Selain jumlah pengaduan yang menurun drastis, dari Apart from a significant decrease in total complaints,
jumlah pengaduan yang masuk pada tahun 2021 the Company did not receive any complaints related
tidak terdapat pengaduan yang berkaitan dengan to the disclosure of customer privacy confidentiality
terbukanya kerahasiaan privasi konsumen. Selain in 2021. In addition, the Company did not receive
itu, juga tidak ada laporan mengenai kebocoran, any reports regarding leakage, theft or loss of data
pencurian atau kehilangan data yang disampaikan submitted by customers to the Company. This proves
konsumen kepada Perseroan. Hal ini mencerminkan that the Company has succeeded in maintaining
bahwa Perseroan berhasil menjaga kerahasiaan dan the confidentiality and security of customer data or
keamanan data/informasi konsumen. Dalam hal ini, information. The Company is also committed not
Perseroan berkomitmen untuk tidak menggunakan to using customer data to the extent that has been
data konsumen sebatas yang telah disepakati oleh agreed upon by both parties. [GRI 103-3, 418-1]
kedua belah pihak. [GRI 103-3, 418-1]

.01 .02 .03 .04
Survei Kepuasan Konsumen [OJK F.30]

Customer Satisfaction Survey [OJK F.30]
Kepuasan konsumen atas kualitas layanan produk Customer satisfaction on the quality of products and
dan jasa merupakan salah satu kunci untuk kemajuan services is a key to spur the Company performance and
dan keberlangsungan Perseroan Untuk mengetahui sustainability. To identify customer satisfaction, the
tingkat kepuasan konsumen, Perseroan secara berkala Company periodically conducts customer satisfaction
melakukan survei kepuasan konsumen. Survei perlu survey. The survey needs to be done as a means for
dilakukan karena merupakan salah satu sarana bagi the Company to communicate and engage with
Perseroan dalam melakukan komunikasi dan pelibatan stakeholders. Through the survey, the Company can
pemangku kepentingan. Melalui survei, Perseroan juga also obtain suggestion from customers as one of the
bisa memperoleh masukan dari konsumen sebagai salah main stakeholders to improve the quality of products
satu pemangku kepentingan untuk meningkatkan or services.
kualitas produk atau jasa yang ditawarkan Perseroan.
Pada tahun 2021, Perseroan kembali melakukan survei In 2021, the Company carried out the customer
kepuasan konsumen guna mengukur: satisfaction survey to assess:
1. Tangible (Tampilan) 1. Tangible
2. Reliability (Kehandalan) 2. Reliability
3. Responsiveness (Tanggapan) 3. Responsiveness
4. Assurance (Jaminan) 4. Assurance
5. Empathy (Empati) 5. Empathy
6. Loyalitas Konsumen (NPS) 6. Net Promoter Score (NPS)

.05 .06 .07
Secara umum hasil survei menunjukkan tingkat In general, the survey results show that the level of
kepuasan konsumen mengalami kenaikan dibanding consumer satisfaction has increased compared to 2020,
tahun 2020, sebagaimana disajikan dalam tabel berikut: as presented in the following table:
Tabel Hasil Survei Kepuasan Konsumen Tahun 2019-2021

Table of Customer Satisfaction Survey in 2019-2021
Parameter Penilaian
2021 2020 2019
Assessment Parameter
Hasil Survei Berdasarkan Indeks Kepuasan Konsumen

Survey Result Based on Customer Satisfaction Index
Tampilan
3,98 3,90 4,13
Tangible
Kehandalan
3,97 3,88 4,12
Reliability
Tanggapan
3,97 3,89 4,14
Responsiveness
Jaminan
4,00 4,00 4,02
Assurance
Empati
4,03 3,94 4,19
Empathy
Hasil Survei Berdasarkan Indeks Loyalitas Konsumen
Survey Result Based on Customer Loyalty Index
Loyalitas Konsumen (NPS)
48,77 39,24 38,61
Net Promoter Score (NPS)
Catatan: Notes:
1. Tampilan 1. Tangible
Indeks kepuasan konsumen terhadap penilaian The customer satisfaction index for the Company’s
tangible Perseroan tahun 2020 mengalami kenaikan Tangible parameter in 2021 decreased by 0.08
sebesar 0,08 dibandingkan tahun sebelumnya. compared to the previous year. The increase in
Kenaikan kepuasan konsumen terjadi terhadap customer satisfaction was due to the tidiness and
penilaian kerapihan dan kebersihan kantor serta cleanliness of the office and employees appearance.
penampilan karyawan.
2. Kehandalan 2. Reliablity
reliability Perseroan tahun 2021 mengalami reliability parameter in 2021 increased by 0.10
kenaikan sebesar 0,10 dibandingkan tahun compared to the previous year. The increase in
sebelumnya. Kenaikan kepuasan konsumen terjadi customer satisfaction was due to the accuracy of
terhadap ketepatan janji dan pemberian solusi promises and providing the right solutions.
yang tepat.
3. Tanggapan 3. Responsiveness
responsiveness Perseroan tahun 2020 mengalami responsiveness parameter in 2021 increased by 0.08
kenaikan sebesar 0,08 dibandingkan tahun compared to the previous year. The increase in
sebelumnya. Kenaikan kepuasan konsumen customer satisfaction was due to the responsiveness
terjadi terhadap penilaian kecepatan respon dan and convenience in contacting contact person.
kemudahan dihubungi.

.01 .02 .03 .04
4. Jaminan 4. Assurance
assurance Perseroan tahun 2021 sama dengan assurance parameter in 2021 remained the same
tahun sebelumnya. Hal ini menunjukkan Perseroan with the previous year. It indicates that the Company
masih selalu konsisten untuk memberikan is still consistent in providing information related
informasi terkait nomor kontrak, informasi nominal to contract numbers, information on installment
angsuran, informasi tanggal jatuh tempo, informasi nominal, information on due date, information
tata cara & tempat pembayaran angsuran. Poin on procedures & places for Installment Payments.
yang perlu di perbaiki mengenai konsistensi dalam The point that needs to be fixed is regarding the
meginformasikan denda keterlambatan. consistency in informing late fees.
5. Empati 5. Empathy
empati Perseroan tahun 2021 mengalami kenaikan empathy parameter in 2021 increased by 0.083
sebesar 0,083 dibandingkan tahun sebelumnya. compared to the previous year. The increase
Peningkatan kepuasan konsumen terjadi terhadap in customer satisfaction was due to attention,
penilaian perhatian, keramahan dan kesungguhan friendliness, ans sincerity in giving assistance.
dalam membantu.
6. Loyalitas Konsumen (NPS) 6. Net Promoter Score (NPS)
Indeks loyalitas konsumen Perseroan tahun 2021 The Company’s customer satisfaction index in 2021
mengalami kenaikan sangat signifikan sebesar 9,6 significantly increased by 9.6 compared to the
dibandingkan tahun sebelumnya. Kenaikan indeks previous year. The increase in customers loyalty
loyalitas konsumen yaitu terhadap keinginan index was due to the customers’ willingness
konsumen untuk merekomendasikan Perseroan to recommend the Company to family, friends
kepada keluarga, teman dan kerabat. and collagues.
Keterangan : Remarks:
• Survey kepuasan konsumen ini dilakukan oleh tim Tele Survey Perseroan • This customer satisfaction survey was conducted by the Company Tele Survey
secara sampling melalui telepon kepada minimal 30 konsumen per cabang team by telephone sampling to at least 30 customers per branch (with a target
(dengan sasaran kepada konsumen yang baru melakukan pembiayaan di to new customers financing at the Company with financing period of 1-3
Perseroan dengan umur pembiayaan 1-3 bulan). months).
• Indeks kepuasan konsumen diukur menggunakan skala kepuasan 1-5 dimana: • The customer satisfaction index is measured using a satisfaction scale of 1-5
- 1 diartikan Sangat Tidak Puas, where :
- 2 diartikan Tidak Puas, - 1 indicates Highly Dissatisfied,
- 3 diartikan Cukup Puas, - 2 indicates Dissatisfied,
- 4 diartikan Puas dan - 3 indicates Fairly Satistied,
- 5 diartikan Sangat Puas. - 4 indicates Satisfied and
- 5 indicates Highly Satisfied.

.05 .06 .07
Literasi Keuangan [OJK F.27]

Financial Literacy [OJK F.27]
Survei Nasional Literasi dan Inklusi Keuangan As reported by OJK, National Financial Literacy and
(SNLIK) tahun 2019, sebagaimana disampaikan OJK, Inclusion Survey (SNLIK) in 2019 reveals that the financial
menunjukkan bahwa indeks literasi keuangan sebesar literacy index was 38.03% and financial inclusion
38,03% dan indeks inklusi keuangan sebesar 76,19%. Hal index was 76.19%. This shows that the Indonesians
ini menunjukkan bahwa masyarakat Indonesia secara in general do not have proper understanding on the
umum belum memahami dengan baik karakteristik characteristics of various financial products and services
berbagai produk dan Lembaga Jasa Keuangan yang offered by formal Financial Services Institution. In fact,
ditawarkan oleh lembaga jasa keuangan formal. financial literacy holds a fundamental role to empower
Padahal, literasi keuangan merupakan keterampilan community, improve individual welfare, protect
yang penting dalam rangka pemberdayaan masyarakat, customer and increase financial inclusion.
kesejahteraan individu, perlindungan konsumen dan
peningkatan inklusi keuangan.
Sebagai bagian dari Lembaga Jasa Keuangan di As part of the financial services institution in Indonesia,
Indonesia, Perseroan turut mendukung meningkatnya the Company also supports the improvement in the
indeks literasi keuangan dengan menyelenggarakan financial literacy index by organizing various activities
berbagai kegiatan guna memperluas pengetahuan to enhance public knowledge about financial products
masyarakat tentang produk dan layanan jasa keuangan. and services. The Company is optimistic that by having
Perseroan optimistis, dengan memiliki pengetahuan the proper knowledge and understanding, the public
dan pemahaman yang benar, maka masyarakat dapat can determine financial products and services that
menentukan produk dan layanan jasa keuangan suit their needs, understand its benefits and risks,
yang sesuai dengan kebutuhan, memahami dengan know their rights and obligations and believe that the
benar manfaat dan risiko, mengetahui hak dan selected financial products and services can improve
kewajiban serta meyakini bahwa produk dan layanan their welfare. Not to mention, improving financial
jasa keuangan yang dipilih dapat meningkatkan literacy can prevent people from investing in unclear
kesejahteraan mereka. Hal yang tak kalah penting, financial instruments.
melalui literasi keuangan yang terus meningkat, maka
masyarakat bisa terhindar dari aktivitas investasi pada
instrumen keuangan yang tidak jelas.
Selama tahun 2021, kegiatan yang diselenggarakan Throughout 2021, the Company organized the
Perseroan untuk meningkatkan indeks literasi following activities to improve financial literacy index:
keuangan adalah sebagai berikut:
1. Literasi Digital untuk Akselerasi UMKM bekerjasama 1. Digital Literacy for MSME Acceleration in
dengan Bisnis Indonesia dengan sasaran 76 collaboration with Bisnis Indonesia with a target of
orang penggiat UMKM di Bandung dan 72 orang 76 MSME activists in Bandung and 72 MSME activists
penggiat UMKM di Jakarta. Kegiatan literasi ini in Jakarta. This literacy activity was held online on
dilaksanakan pada tanggal 16 dan 22 September September 16 and 22, 2021.
2021 secara daring.
2. Webinar Literasi Keuangan UMKM (UMKM Go 2. MSME Financial Literacy Webinar (MSME Go Digital)
Digital) yang dilaksanakan pada tanggal 23 was held on September 23, 2021 in collaboration
September 2021 dan bekerjasama dengan Yayasan with the Visi Viyata Lestari Foundation. 37 MSME
Visi Viyata Lestari. Kegiatan ini dihadiri oleh activists participated in this event.
penggiat UMKM sebanyak 37 orang.

.01 .02 .03 .04
Verifikasi Tertulis Dari Pihak

Independen [OJK G.1]
Written Verification From Independent Party [OJK G.1]
Laporan Keberlanjutan ini belum diverifikasi oleh This Sustainability Report has not got any verification
Penyedia Jasa Assurance (Assurance Services Provider) from an independent Assurance Services Provider.
yang independen. Namun demikian, PT Wahana However, PT Wahana Ottomitra Multiartha Tbk
Ottomitra Multiartha Tbk menjamin bahwa seluruh guarantees that all disclosed information in this report
informasi yang diungkapkan dalam laporan ini adalah is true, accurate and factual.
benar, akurat dan faktual.

.05 .06 .07
Lembar Umpan Balik [OJK G.2]

Feedback Sheet [OJK G.2]
Para pemangku kepentingan yang terhormat, Dear Esteemed Stakeholders,

Terima kasih telah membaca Laporan Keberlanjutan Thank you for reading the 2021 Sustainability Report of
PT Wahana Ottomitra Multiartha Tbk 2021. Untuk PT Wahana Ottomitra Multiartha Tbk. To improve the
meningkatkan kinerja keberlanjutan Perseroan, mohon Company’s sustainability performance, we would like to ask
kesediaan para pemangku kepentingan untuk memberikan all stakeholders to kindly provide feedback after reading this
umpan balik setelah membaca Laporan Keberlanjutan ini Sustainability Report by sending an email or sending this form
dengan mengirimkan email atau mengirim formulir ini melalui by fax or post.
fax atau pos.
Data Diri Your Profile

Nama (bila berkenan) : ………………. Name (optional) : ……………….
Institusi/Perusahaan : ………………. Name of Institution/Company : ……………….
Email : ………………. Email : ……………….
Telp/HP : ………………. Phone/HP : ……………….
Golongan Pemangku Kepentingan Type of Stakeholder

o Pemegang Saham dan Investor o Shareholders and Investors
o Konsumen o Consumer
o Pegawai/Karyawan o Employee
o Komunitas o Community
o Mitra Kerja/Pemasok o Partners/Suppliers
o Pemerintah dan Regulator o Government and Regulators
o Tokoh Masyarakat o Public Figure
o Lain-lain, mohon sebutkan…….. o Others, please specify………..
Mohon pilih jawaban yang paling sesuai (beri tanda √) di dalam kotak yang tersedia:
Choose the most appropriate answer (give tick √) in the available box:
1. Laporan ini bermanfaat:

This report is useful to you:
Sangat Tidak Setuju | Strongly Disagree Tidak Setuju | Disagree Netral | Neutral Setuju | Agree Sangat Setuju | Strongly Agree
2. Laporan ini menggambarkan kinerja Perseroan dalam pembangunan keberlanjutan:

This report describes the Company’s performance in sustainability development:
3. Laporan ini mudah dimengerti:

This report is easy to understand:

.01 .02 .03 .04
4. Laporan ini menarik:

This Report is interesting:
5. Laporan ini meningkatkan kepercayaan Anda pada keberlanjutan Perseroan:

This report increases your trust in the Company’s sustainability:
Mohon mengisi dan memberikan pendapat dengan menjawab pernyataan berikut:

Please fill in and give your opinion by answering the following statements:
1. Bagian laporan mana yang paling bermanfaat:

Which part of this report is most useful to you:
___________________________________________________________________
___________________________________________________________________
2. Bagian laporan mana yang paling menarik:

Which part of this report is the most interesting to you:
_________________________________________________________________
___________________________________________________________________
3. Bagian laporan mana yang dinilai pengungkapannya masih kurang dan perlu ditambahkan:
Which part of this report is lack in disclosure to you and needs improvement:
___________________________________________________________________
___________________________________________________________________
4. Mohon berikan saran/usul/komentar atas laporan ini:

Please give us your advice/suggestions/comments on this report:
___________________________________________________________________
___________________________________________________________________
Terima kasih atas partisipasi Anda. Mohon agar lembar ini dikirimkan ke alamat berikut:
Thank you for your participation. Please send this sheet to the following address:
Corporate Secretary
PT WAHANA OTTOMITRA MULTIARTHA TBK
Alamat Kantor Pusat / Head Office Address

Jakarta Utara 14350
Telp. +62 21 2188 2400
(Fax.) +62 21 2188 2420
E-mail: corporate_secretary@wom.co.id
Situs/website: www.wom.co.id

.05 .06 .07
Tanggapan Terhadap Umpan Balik

Laporan Tahun Sebelumnya
[OJK G.3]
Response To Feedback Of Previous Year Report [OJK G.3]
PT Wahana Ottomitra Multiartha Tbk tidak mendapat PT Wahana Ottomitra Multiartha Tbk did not receive
tanggapan dari para pemangku kepentingan setelah any response from stakeholders after the publication
diterbitkannya Laporan Keberlanjutan Tahun 2020. of the 2020 Sustainability Report. Therefore, in this
Dengan demikian, dalam laporan ini tidak terdapat report there is no specific information about the
informasi secara spesifik tentang tindak lanjut yang follow-up taken by the Company for the responses
diambil Perseroan atas tanggapan dari pemangku from stakeholders in the previous year. However, the
kepentingan tahun sebelumnya. Namun demikian, Company improves the quality of the 2020 report to
Perseroan telah menyempurnakan kualitas laporan meet the guidelines of the GRI Standards and POJK
tahun 2020 sehingga memenuhi panduan Standar GRI Number 51/POJK.03/2017.
dan POJK Nomor 51/POJK.03/2017.

.01 .02 .03 .04
Daftar Indeks POJK 51/POJK.03/2017 [OJK G.4]

POJK Index Number 51/POJK.03/2017 [OJK G.4]
Nomor
Indeks Nama Indeks Hal
Index Index Name Page
Number
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1 446
Explanation of Sustainability Strategies
Ikhtisar Kinerja Aspek Keberlanjutan
Highlights of Performance on Sustainable Aspects
Aspek Ekonomi
B.1 441
Economic Aspect
Aspek Lingkungan Hidup
B.2 441
Environmental Aspect
Aspek Sosial
B.3 441
Social Aspect
Profil Perusahaan
Company Profile
C.1 466
Alamat Perusahaan
C.2 463
Company Address
Skala Usaha
C.3 476, 478
Business Scale
Produk, Layanan dan Kegiatan Usaha yang Dijalankan
C.4 470, 472
Products, Services and Business Activities
Keanggotaan pada Asosiasi
C.5 493
Membership in Association
Perubahan Emiten dan Perusahaan Publik yang Bersifat
C.6 Signifikan 486
Significant Changes in Issuers and Public Companies
Penjelasan Direksi
Explanation of the Board of Directors
Penjelasan Direksi
D.1 442
Report of the Board of Directors
Tata Kelola Keberlanjutan
Sustainable Governance
Penanggungjawab Penerapan Keuangan berkelanjutan
E.1 506
Responsible Unit of Implementation of Sustainable Finance
Pengembangan Kompetensi Terkait Keuangan
E.2 Berkelanjutan 507
Competency Development of Sustainable Finance
Penilaian Risiko Atas Penerapan Keuangan
Risk Assessment on the Implementation of Sustainable Finance
Hubungan dengan Pemangku Kepentingan
E.4 519
Relationship with Stakeholders
Permasalahan terhadap Penerapan Keuangan
Issues on the Implementation of Sustainable Finance

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Nomor
Number
Kinerja Keberlanjutan
Sustainable Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1 531
Sustainable Culture Development Activities
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio,
Target Pembiayaan atau Investasi, Pendapatan dan Laba
F.2 Rugi 531
Comparison of Products Target and Performance, Portfolio, Financing Target or Investment, Income and
Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target
Pembiayaan atau Investasi Pada Instrumen Keuangan
F.3 atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan 541
Comparison of Portfolio Target and Performance, Financing Target or Investment on Financial Instrument
or Projects that Are in Line with the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
ASPEK UMUM
GENERAL ASPECT
Biaya Lingkungan Hidup
F.4 563
Costs for Environmental Program
ASPEK MATERIAL
MATERIAL ASPECT
Penggunaan Material yang Ramah Lingkungan
F.5 559
Use of Environmentally Friendly Materials
ASPEK ENERGI
ENERGY ASPECT
Jumlah dan Intensitas Energi yang Digunakan
F.6 560
Amount and Intensity of Energy
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan
F.7 Energi Terbarukan 559
Efforts and Achievement Made for Energy Efficiency and Renewable Energy
ASPEK AIR
WATER ASPECT
Penggunaan Air
F.8 562
Use of Water
ASPEK KEANEKARAGAMAN HAYATI
BIODIVERSITY ASPECT
Dampak dari Wilayah Operasional yang Dekat atau
Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati N/R
Impacts from Operational Areas that Are Close to or Situated in Conservation Areas that Contain
Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 N/R
Biodiversity Preservation

.01 .02 .03 .04
Nomor
Number
ASPEK EMISI
EMISSION ASPECT
Jumlah dan Intensitas Emisi yang Dihasilkan
F.11 Berdasarkan Jenisnya N/R
Amount and Intensity of Emissions Produced by Type
Upaya dan Pencapaian Pengurangan Emisi yang
F.12 Dilakukan N/R
Efforts and Achievement Made for Reducing Emission
ASPEK LIMBAH DAN EFLUEN
WASTE AND EFFLUENT ASPECT
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan
F.13 Jenis N/R
Amount of Waste and Effluent Produced by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 N/R
Waste and Effluent Management Mechanism
Tumpahan yang Terjadi (Jika Ada)
F.15 N/R
Spills (If Any)
ASPEK PENGADUAN TERKAIT LINGKUNGAN HIDUP
COMPLAINT ON LIVING ENVIRONMENT ASPECT
Jumlah dan Materi Pengaduan Lingkungan Hidup yang
F.16 Diterima dan Diselesaikan N/R
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten atau Perusahaan Publik untuk
Memberikan Layanan Atas Produk dan/atau Jasa yang
F.17 Setara Kepada Konsumen 593
Commitment of Financial Service Institutions, Issuers or Public Companies to Provide Services for Equal
Products and/or Services to Customers
ASPEK KETENAGAKERJAAN
EMPLOYMENT ASPECT
Kesetaraan Kesempatan Bekerja
F.18
Equality in Work Opportunities
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 570
Child and Forced Labors
Upah Minimum Regional
F.20 575
Regional Minimum Wage
Lingkungan Bekerja yang Layak Dan Aman
F.21 576
Decent and Safe Working Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 591
Training and Development of Employee
ASPEK MASYARAKAT
578
COMMUNITY ASPECT
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 541
Operational Impact on the Community
Pengaduan Masyarakat
F.24 596
Public Complaints

.05 .06 .07
Nomor
Number
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)

F.25 542
Environment and Social Responsibility Activities (TJSL)
TANGGUNG JAWAB PENGEMBANGAN PRODUK/JASA
BERKELANJUTAN
RESPONSIBILITY OF DEVELOPING SUSTAINABLE PRODUCT/SERVICE
Inovasi dan Pengembangan Produk/Jasa Keuangan
F.26 berkelanjutan 593
Innovation and Development of Sustainable Financial Products/Services
Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi
F.27 Pelanggan 595, 603
Evaluated Products/Services
Dampak Produk/Jasa
F.28 595
Impacts of Products/Services
Jumlah Produk yang Ditarik Kembali
F.29 596
Total Withdrawn Products
Survei Kepuasan Pelanggan terhadap Produk dan/atau
F.30 Jasa Keuangan Berkelanjutan 600
Customer Satisfaction Survey of Sustainable Financial Products and/or Services
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen (jika Ada)
G.1 604
Written Verification from an Independent Party (if any)
Lembar Umpan Balik
G.2 605
Feedback Form
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun
G.3 Sebelumnya 607
Feedback of the Previous Years’ Response
Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan,
G.4 Emiten dan Perusahaan Publik 608
List of Disclosure Based on POJK 51/2017 on Implementation of Sustainable Finance for Financial Service
Institutions, Issuers and Public Companies

.01 .02 .03 .04

Indikator Standar GRI Pengungkapan Hlm Omision

GRI Standard Indicator Disclosure Page Omission
GRI 102: PENGUNGKAPAN UMUM 2016

GRI 102: 2016 GENERAL DISCLOSURE
Pengungkapan PROFIL ORGANISASI

Disclosure ORGANIZATIONAL PROFILE
Nama Perseroan
102-1 462
Name of the organization
Kegiatan, Merek, produk dan jasa 462,
102-2
Activities, brands, products and services 470,472
Lokasi kantor pusat
102-3 463
Location of headquarters
Lokasi operasi
102-4 474
Location of operations
Kepemilikan dan bentuk hukum
102-5 462
Ownership and legal entity
Pasar yang dilayani
102-6 474,476
Markets served
Skala organisasi
102-7 476
Scale of the organization
Informasi mengenai karyawan
102-8 478
Information on employees
Rantai pasokan
102-9 484
Supply chain
Perubahan signifikan pada organisasi dan rantai pasokannya
102-10 486
Significant changes to the organization and supply chain
Pendekatan atau prinsip pencegahan
102-11 488
Precautionary principle or approach
Inisiatif eksternal
102-12 488
External initiatives
102-13 Keanggotaan asosiasi
493
Membership of associations
Pengungkapan STRATEGI
Disclosure STRATEGY
Pernyataan dari pembuat keputusan senior
102-14 442
Statement from senior decision-makers
Pengungkapan ETIKA DAN INTEGRITAS
Disclosure ETHICS AND INTEGRITY
Nilai, prinsip, standar dan norma perilaku
102-16 466
Values, principles, standards and norms of behavior
Pengungkapan TATA KELOLA
Disclosure GOVERNANCE
Struktur tata kelola
102-18 498
Governance structure
Pengungkapan KETERLIBATAN PEMANGKU KEPENTINGAN
Disclosure STAKEHOLDER ENGAGEMENT
Daftar kelompok pemangku kepentingan
102-40 520
List of stakeholder groups
Perjanjian perundingan kolektif
102-41 569
Collective bargaining agreements
Mengidentifikasi dan memilih pemangku kepentingan
102-42 519, 520
Identifying and selecting stakeholders
Pendekatan terhadap keterlibatan pemangku kepentingan
102-43 520
Approach to stakeholder engagement
Topik utama dan masalah yang dikemukakan
102-44 520
Key topics and concerns raised

.05 .06 .07

Pengungkapan PRAKTIK PELAPORAN

Disclosure REPORTING PRACTICE
Entitas yang termasuk dalam laporan keuangan dikonsolidasi
102-45 452,463,
Entites included in the consolidated financial statements
Menetapkan isi laporan dan batasan topik
102-46 460
Defining report content and topic boundaries
Daftar topik material
102-47 456
List of material topics
Penyajian kembali informasi
102-48 454
Restatements of information
Perubahan dalam pelaporan
102-49 459
Changes in reporting
Periode pelaporan
102-50 452
Reporting period
Tanggal laporan terbaru
102-51 452
Date of most recent report
Siklus pelaporan
102-52 452
Reporting cycle
Titik kontak untuk pertanyaan mengenai laporan
102-53 461
Contact point for questions regarding the report
Klaim bahwa pelaporan sesuai dengan Standar GRI
102-54 453
Claims of reporting in accordance with the GRI Standards
Indeks isi GRI
102-55 453
GRI content index
Assurance oleh pihak eksternal
102-56 454
External assurance
PENGUNGKAPAN STANDAR KHUSUS 2016

2016 SPECIAL STANDARD DISCLOSURE
TOPIK EKONOMI
ECONOMIC TOPIC
KINERJA EKONOMI
ECONOMIC PERFORMANCE
Penjelasan topik material dan batasannya 460,
GRI 103: 103-1
Explanation of the material topic and its boundaries 527,528
Pendekatan Manajemen
Pendekatan manajemen dan komponennya
2016 103-2 530,531
The management approach and its components
GRI 103: Management
Approach 2016 Evaluasi pendekatan manajemen
103-3 536
Evaluation of the management approach
GRI 201: Kinerja Ekonomi
2016 Nilai ekonomi langsung yang dihasilkan dan didistribusikan
201-1 536
GRI 201:Economic The management approach and its components
Performance 2016
KEBERADAAN PASAR
MARKET PRESENCE
Penjelasan topik material dan batasannya
GRI 103: 103-1 460,564
Explanation of the material topic and its boundaries
2016 103-2 565
GRI 103: Management
103-3 576
GRI 202: Keberadaan Rasio standar upah karyawan entry-level berdasarkan jenis kelamin
Pasar 2016 terhadap upah minimum regional
202-1 576
GRI 202: Maret Presence Ratios of standard entry level wage by gender compared to local minimum
2016 wage

.01 .02 .03 .04

DAMPAK EKONOMI TIDAK LANGSUNG

INDIRECT ECONOMIC IMPACTS
GRI 103: 103-1 460,538
2016 103-2 539
GRI 103: Management
Approach 2016 Evaluasi pendekatan manajemen 540,541,
103-3
Evaluation of the management approach 542, 553
GRI 203: Dampak Investasi infrastruktur dan dukungan layanan
203-1 542, 553
Ekonomi Tidak Langsung Infrastructure investments and services supported
GRI 203: Indirect Economic Dampak ekonomi tidak langsung yang signifikan
Impacts 2016 203-2 542,553
Significant indirect economic impacts
TOPIK LINGKUNGAN
ENVIRONMENTAL TOPICS
MATERIAL
MATERIAL
Penjelasan topik material dan batasannya 460,555,
GRI 103: 103-1
Explanation of the material topic and its boundaries 556, 557
2016 103-2 558
GRI 103: Management
103-3 557,558
GRI 202: Keberadaan
Pasar 2016 Material yang digunakan berdasarkan berat atau volume
301-1 558
GRI 202: Maret Presence Materials used by weight or volume
2016
ENERGI
ENERGY
GRI 103: 103-1 460,555,559
2016 103-2 556,559
GRI 103: Management
103-3 557,559,560
Konsumsi energi dalam organisasi
302-1 560
GRI 302: Energi 2016 Energy consumption within the organization
GRI 302: Energy 2016 Pengurangan konsumsi energi
302-4 559
Reduction of energy consumption
AIR DAN EFLUEN
WATER AND EFFLUENTS
GRI 103: 103-1 460,555,562
2016 103-2 556
GRI 103: Management
103-3 557
GRI 303: Air 2018 Konsumsi air
303-5 562
GRI 303: Water 2018 Water Consumption

.05 .06 .07

TOPIK SOSIAL
SOCIAL TOPICS
PELATIHAN DAN PENDIDIKAN
TRAINING AND EDUCATION
GRI 103: 103-1 461,564,578
2016 103-2 565,578
GRI 103: Management
103-3 580
Evaluation of the maanagement approach
GRI 404: Pelatihan dan
Pendidikan 2016 Rata-rata jam pelatihan per tahun per karyawan
404-1 580
GRI 404: Training and Average hours of training per employee annually
Education 2016
PEKERJA ANAK
CHILD LABOR
GRI 103: 103-1 461,564,575
2016 103-2 565,575
GRI 103: Management
103-3 575
Evaluation of the maanagement approach
GRI 408: Pekerja Anak Operasi dan pemasok yang berisiko signifikan terhadap insiden
2016 408-1 pekerja anak 575
GRI 408: Child Labor 2016 Operations and suppliers at significant risk for incidents of child labor
PRIVASI PELANGGAN
CUSTOMER PRIVACY
GRI 103: 103-1 461,593
2016 103-2 593,599
GRI 103: Management
103-3 593,599
GRI 418: Privasi Pengaduan yang berdasar mengenai pelanggaran terhadap privasi
Pelanggan 2016 pelanggan dan hilangnya data pelanggan
418-1 599
GRI 418: Customer Privacy Substantiated complaints concerning breaches of customer privacy and
2016 losses of customer data

.07
Laporan Keuangan
Financial Statements
Laporan keuangan
tanggal 31 Desember 2021 dan
untuk tahun yang berakhir pada tanggal tersebut
beserta laporan auditor independen/
Financial statements
as of December 31, 2021 and
for the year then ended
with independent auditor’s report
The original financial statements included herein are in the
Indonesian language.
PT WAHANA OTTOMITRA MULTIARTHA Tbk PT WAHANA OTTOMITRA MULTIARTHA Tbk

LAPORAN KEUANGAN FINANCIAL STATEMENTS
TANGGAL 31 DESEMBER 2021 DAN AS OF DECEMBER 31, 2021 AND
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR
PADA TANGGAL TERSEBUT THEN ENDED
BESERTA LAPORAN AUDITOR INDEPENDEN WITH INDEPENDENT AUDITOR’S REPORT
Daftar Isi Table of Contents
Halaman/
Page
Surat Pernyataan Direksi Directors’ Statement
Laporan Auditor Independen................................... .................................. Independent Auditor’s Report
Laporan Posisi Keuangan....................................... 1-5 ............................... Statement of Financial Position
Laporan Laba Rugi dan Statement of Profit or Loss and

Penghasilan Komprehensif Lain ....................... 6-7 .......................... Other Comprehensive Income
Laporan Perubahan Ekuitas ................................... 8 .............................. Statement of Changes in Equity
Laporan Arus Kas .................................................. 9-10 ........................................ Statement of Cash Flows
Catatan atas Laporan Keuangan ............................ 11-154 ........................... Notes to the Financial Statements
************************
.05 .06 .07


LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2021 As of December 31, 2021
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/

December 31, 2021 Notes December 31, 2020
ASET ASSETS
2b,2c,2d,2e,2q,3,
KAS DAN SETARA KAS 4,32,34,35 CASH AND CASH EQUIVALENTS
Kas 9.990 9.471 Cash on hand
Bank Cash in banks
Pihak ketiga 88.684 94.269 Third parties
Pihak berelasi 351.322 487.298 Related party
Setara kas Cash equivalents
Pihak berelasi - 45.000 Related party
Total Kas dan Setara Kas 449.996 636.038 Total Cash and Cash Equivalents
Cadangan kerugian Allowance for
penurunan nilai (1.244) (1.518) impairment losses
Neto 448.752 634.520 Net
2d,2e,2h,3,5,
PIUTANG PEMBIAYAAN 14,18,20,31, CONSUMER FINANCING
KONSUMEN 32,34,35,38 RECEIVABLES
Piutang pembiayaan konsumen - Consumer financing
setelah dikurangi bagian receivables - net of
yang dibiayai bank 5.383.244 5.506.835 amounts financed by bank
Pendapatan pembiayaan Unearned consumer
konsumen yang belum diakui (1.176.759) (1.052.296) financing income
Piutang pembiayaan konsumen 4.206.485 4.454.539 Consumer financing receivables

penurunan nilai (155.118) (174.419) impairment losses
Neto 4.051.367 4.280.120 Net
PIUTANG PEMBIAYAAN 2d,2e,2h,3,6, CAPITAL FINANCING

MODAL USAHA 34,35 RECEIVABLES
Piutang pembiayaan modal usaha 330.098 20.198 Capital financing receivables
Pendapatan pembiayaan Unearned capital
modal usaha yang belum diakui (84.605) (4.815) financing income

penurunan nilai (5.340) (313) impairment losses
Neto 240.153 15.070 Net
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan integral part of these financial statements
secara keseluruhan. taken as a whole.
1
.01 .02 .03 .04


LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
ASET (lanjutan) ASSETS (continued)

2d,2e,2h,3,7,
PIUTANG SEWA PEMBIAYAAN 32,34,35 FINANCE LEASE RECEIVABLES
Piutang sewa pembiayaan 165.772 30.559 Finance lease receivables
Pendapatan sewa pembiayaan Unearned finance
yang belum diakui (38.709) (6.709) lease income

penurunan nilai (2.944) (479) impairment losses
Neto 124.119 23.371 Net
PIUTANG LAIN-LAIN 2c,2d,2e,3, OTHER RECEIVABLES

Pihak ketiga 23.531 8,32,34,35 38.911 Third parties
Pihak-pihak berelasi 1.399 4.129 Related parties
Total Piutang Lain-lain 24.930 43.040 Total Other Receivables

penurunan nilai (724) (52) impairment losses
Neto 24.206 42.988 Net
BIAYA DIBAYAR DIMUKA PREPAID EXPENSES

DAN UANG MUKA 12.048 2d,2i,9 6.218 AND ADVANCES
ASET TETAP - 2j,3,10,18, PROPERTY AND EQUIPMENT -

Setelah dikurangi akumulasi 26,32 Net of accumulated
penyusutan masing-masing depreciation of
sebesar Rp435.184 dan Rp435,184 and
Rp402.459 pada tanggal Rp402,459 as of
31 Desember 2021 dan December 31, 2021 and
2020 73.654 84.791 2020, respectively
ASET HAK-GUNA - 11 RIGHT-OF-USE ASSETS -

Setelah dikurangi akumulasi Net of accumulated
2020 83.388 96.026 2020, respectively
2
.05 .06 .07



ASET (lanjutan) ASSETS (continued)
ASET TIDAK BERWUJUD - 2l,3,12 INTANGIBLE ASSETS -

Setelah dikurangi akumulasi Net of accumulated
2020 32.352 32.579 2020, respectively
ASET PAJAK TANGGUHAN - Neto 19.532 2r,3,17 24.540 DEFERRED TAX ASSETS - Net
ASET LAIN-LAIN 41.513 13,17 43.479 OTHER ASSETS
TOTAL ASET 5.151.084 5.283.702 TOTAL ASSETS
3
.01 .02 .03 .04


LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
2f,5,14,
UTANG BANK 29,34,35,39 BANK LOANS
Pihak ketiga 1.967.885 1.743.411 Third parties
Total Utang Bank 1.967.885 1.743.411 Total Bank Loans
BIAYA YANG MASIH HARUS 2c,2f,14,

DIBAYAR 15,16,20, ACCRUED EXPENSES
Pihak ketiga 46.149 32,34,35 37.310 Third parties
Total Biaya yang Masih Harus Dibayar 49.684 40.470 Total Accrued Expenses
UTANG PAJAK 23.689 2r,3,17,34 2.564 TAXES PAYABLE
2c,2f,2o,
UTANG LAIN-LAIN 5,6,7,10,18, OTHER PAYABLES
Pihak ketiga 97.349 31,32,34,35 92.666 Third parties
Total Utang Lain-lain 105.029 100.221 Total Other Payables
LIABILITAS SEWA 2c,2k,19,32, LEASE LIABILITIES

Pihak ketiga 50.944 34,35,39 57.029 Third parties
Pihak berelasi 34 459 Related party
Total Liabilitas Sewa 50.978 57.488 Total Lease Liabilities
2c,2f,2n,
UTANG OBLIGASI 5,20,29 BONDS PAYABLE
Pihak ketiga 1.210.503 32,34,35,39 1.632.882 Third parties
Total Utang Obligasi - Neto 1.319.928 1.799.567 Total Bonds Payable - Net
LIABILITAS IMBALAN 2v,3, LIABILITY FOR

KERJA 100.244 33,34 126.636 EMPLOYEE BENEFITS
2c,2f,15,
21,29,32
UTANG SUBORDINASI 200.000 34,35,39 200.000 SUBORDINATED LOAN
TOTAL LIABILITAS 3.817.437 4.070.357 TOTAL LIABILITIES
4
.05 .06 .07


LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

(lanjutan) (continued)
EKUITAS EQUITY
Modal saham - nilai nominal Capital stock -
Rp100 (dalam nilai penuh) Rp100 (in full amount)
per saham par value per share
Modal dasar - 5.000.000.000 Authorized - 5,000,000,000
saham shares
Modal ditempatkan dan
disetor penuh - Issued and fully paid -
3.481.481.480 saham 348.148 21 348.148 3,481,481,480 shares
Modal disetor lainnya 160.190 2n,22 160.190 Additional paid-in capital
Pengukuran kembali liabilitas Remeasurement of liability for
imbalan kerja - employee benefits -
neto setelah pajak 37.824 2v,33 28.132 net of tax
Saldo laba Retained earnings
Cadangan umum 17.500 2u,21,23 15.000 Appropriated for general reserve
Belum ditentukan penggunaannya 769.985 661.875 Unappropriated
TOTAL EKUITAS 1.333.647 1.213.345 TOTAL EQUITY
TOTAL LIABILITAS DAN EKUITAS 5.151.084 5.283.702 TOTAL LIABILITIES AND EQUITY
5
.01 .02 .03 .04


LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk tahun yang berakhir For the year then ended
pada tanggal 31 Desember 2021 December 31, 2021
Tahun yang berakhir pada tanggal 31 Desember/

Year ended December 31,
Catatan/
2021 Notes 2020
PENDAPATAN REVENUES
Pembiayaan konsumen, modal usaha, 2h,2p,5,6,7 Consumer financing, capital financing,

dan sewa pembiayaan - neto 1.241.703 24,31 1.588.206 and finance lease - net
Bunga 8.310 2c,4,32 33.406 Interest
Administrasi 83.750 2h,2p,25 73.467 Administration
2h,2p,2q,4,
Lain-lain 237.220 10,26 305.771 Others
Total Pendapatan 1.570.983 2.000.850 Total Revenues
BEBAN EXPENSES
Umum dan administrasi 501.731 2c,2p,27,32 568.520 General and administrative

2c,2p,2v,28
Gaji dan tunjangan 307.953 32,33 344.523 Salaries and benefits
2c,2k,2n,
14,15,19,20, Financing costs and
Pendanaan dan keuangan 295.982 29,32 521.701 financing charges
Pembentukan cadangan 2e,2h, Provision for
kerugian penurunan nilai 208.967 3,4,5,6,7,8 374.176 impairment losses
Penyusutan 70.708 2j,2k,2l,3,10,11,12 78.491 Depreciation
2c,2p,2q,
Lain-lain 30.398 30,32 19.484 Others
Total Beban 1.415.739 1.906.895 Total Expenses
LABA SEBELUM INCOME BEFORE

BEBAN PAJAK FINAL DAN FINAL TAX EXPENSE AND
BEBAN PAJAK PENGHASILAN 155.244 93.955 INCOME TAX EXPENSE
Beban pajak final 1.662 2r 6.681 Final tax expense
LABA SEBELUM INCOME BEFORE

BEBAN PAJAK PENGHASILAN 153.582 87.274 INCOME TAX EXPENSE
BEBAN PAJAK PENGHASILAN 42.972 2r,17 29.896 INCOME TAX EXPENSE
LABA TAHUN BERJALAN 110.610 57.378 INCOME FOR THE YEAR
6
.05 .06 .07


LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)

Catatan/
2021 Notes 2020
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE

LAIN INCOME
Pos yang tidak akan direklasifikasi Items that will not be reclassified
ke laba rugi to profit or loss
Keuntungan aktuarial 12.425 33 20.893 Actuarial gain
Pajak penghasilan (2.733) 17 (4.141) Income tax
Laba komprehensif lainnya - Other comprehensive gain -

neto setelah pajak 9.692 16.752 net of tax
TOTAL LABA TOTAL COMPREHENSIVE

KOMPREHENSIF INCOME FOR
TAHUN BERJALAN 120.302 74.130 THE YEAR
BASIC EARNINGS
LABA PER SAHAM DASAR PER SHARE
(dinyatakan dalam nilai (expressed in full
Rupiah penuh) 31,77 2t, 21 16,48 Rupiah amount)
7
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Analisis & Pembahasan Manajemen
Pengukuran
Kembali
Management Discussion & Analysis
Liabilitas
Imbalan Kerja -
Neto
Setelah Pajak/
Modal Saham Modal Remeasurement
Ditempatkan dan Disetor of Liability Saldo Laba/
Disetor Penuh/ Lainnya/ for Retained Earnings Total
Issued and Additional Employee Cadangan Umum/ Belum Ditentukan Ekuitas/
Catatan/ Fully Paid Paid-in Benefits - Appropriated For Penggunaannya/ Total
Notes Capital Stock Capital Net of Tax General Reserve Unappropriated Equity
.04
Saldo 31 Desember 2019 348.148 160.190 11.380 14.000 836.859 1.370.577 Balance December 31, 2019
Adjustment of the
Penyesuaian saldo awal opening balance on the
atas penerapan PSAK 71 - - - - (153.377) (153.377) implementation of SFAS 71
Balance as of
Saldo pada tanggal January 1, 2020 after the
Profil Perusahaan
1 Januari 2020 setelah implementation of

penerapan PSAK 71 348.148 160.190 11.380 14.000 683.482 1.217.200 SFAS 71
Company Profile
Pencadangan laba untuk Appropriated earnings for

cadangan umum 23 - - - 1.000 (1.000) - general reserve
.03
Keuntungan aktuarial - 2v,21,33 Actuarial gain -

neto setelah pajak - - 16.752 - - 16.752 net of tax
Dividen 2u,21,33 - - - - (77.985) (77.985) Dividend
Total laba tahun berjalan - - - - 57.378 57.378 Total income for the year
Laporan Manajemen
Management Reports
Pencadangan laba untuk 23 Appropriated earnings for

cadangan umum - - - 2.500 (2.500) - general reserve
Keuntungan aktuarial - 2u,21,23 Actuarial gain -
.02
neto setelah pajak - - 9.692 - - 9.692 net of tax

Total laba tahun berjalan - - - - 110.610 110.610 Total income for the year
Ikhtisar Utama
.01
8
.05 .06 .07


LAPORAN ARUS KAS STATEMENT OF CASH FLOWS

Catatan/
2021 Notes 2020
ARUS KAS DARI CASH FLOWS FROM

AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari: Cash receipts from:
Konsumen 4.975.855 6.464.177 Consumers
Bank-bank sehubungan dengan Banks in connections with
transaksi kerjasama the transaction of joint
pembiayaan bersama 50 2.012 financing cooperation
Pendapatan administrasi 163.136 117.451 Administration income
Interest income from current
Bunga giro dan deposito 6.648 26.725 account and time deposits
Lain-lain 364.266 466.257 Others
Total penerimaan kas 5.509.955 7.076.622 Total cash receipts
Pembayaran kas untuk/kepada: Cash disbursements for/to:

Transaksi sehubungan dengan Financing related
pembiayaan (3.988.062) (2.210.558) transaction
Bank-bank sehubungan Banks in connection with
dengan transaksi the transaction of
kerjasama pembiayaan joint financing
bersama (47.986) (325.207) cooperation
Beban umum dan administrasi, General and administrative
beban gaji dan expenses, salaries and
tunjangan serta benefits expenses and
beban lain-lain (955.295) (1.024.678) other expenses
Bank-bank sehubungan Banks in connection
dengan hak bank-bank atas with the banks’ rights
pendapatan pembiayaan on consumer
konsumen (1.211) (21.781) financing income
Beban pendanaan Financing costs and
dan keuangan (280.782) (511.467) financing charges
Beban pajak (19.103) (85.647) Tax expense
Lain-lain (85.856) (147.936) Others
Total pengeluaran kas (5.378.295) (4.327.274) Total cash disbursements
Kas Neto Diperoleh dari Net Cash Provided by

Aktivitas Operasi 131.660 2.749.348 Operating Activities

AKTIVITAS INVESTASI INVESTING ACTIVITIES
Proceeds from sales of
Hasil penjualan aset tetap 1.272 10 1.918 property and equipment
Perolehan aset tetap dan Acquisition of property and
aset tidak berwujud (32.759) 10,12 (24.459) equipment and intangible assets
Penambahan nilai aset hak-guna (14.719) 11 (15.072) Addition of right-of-use assets
Uang muka perangkat lunak dan lisensi - (553) Advance for software and licenses
Kas Neto Digunakan untuk Net Cash Used in

Aktivitas Investasi (46.206) (38.166) Investing Activities
9
.01 .02 .03 .04


LAPORAN ARUS KAS (lanjutan) STATEMENT OF CASH FLOWS (continued)

Catatan/
2021 Notes 2020

AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Penambahan utang bank 2.550.000 14 1.250.000 Proceeds from bank loans
Penerimaan dari penerbitan Proceeds from
utang obligasi - neto 500.000 20 760.300 issuance of bonds - net
Pelunasan utang bank (2.324.599) 14 (3.132.544) Repayment of bank loans
Pelunasan utang obligasi (979.500) 20 (1.613.000) Repayment of bonds payable
Pembayaran liabilitas sewa (14.156) 11 (11.550) Payment of lease liabilities
Pembayaran biaya emisi obligasi (3.241) 20 (2.596) Bonds emission payment
Pembayaran dividen - 23 (77.315) Dividend payment
Kas Neto Digunakan untuk Net Cash Used in

Aktivitas Pendanaan (271.496) (2.826.705) Financing Activities
PENURUNAN NETO NET DECREASE IN

KAS DAN SETARA KAS (186.042) (115.523) CASH AND CASH EQUIVALENTS
KAS DAN CASH AND

SETARA KAS CASH EQUIVALENTS
AWAL TAHUN 636.038 751.561 AT BEGINNING OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AKHIR TAHUN 449.996 4 636.038 AT END OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

TERDIRI DARI: CONSIST OF:
Kas dan bank 449.996 591.038 Cash on hand and in banks
Setara kas - Cash equivalents -
deposito berjangka - 45.000 time deposits
Kas dan setara kas 449.996 636.038 Cash and cash equivalents
10
.05 .06 .07


CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2021 dan As of December 31, 2021 and
untuk tahun yang berakhir pada tanggal tersebut for the year then ended
1. UMUM 1. GENERAL
a. Pendirian Perusahaan a. The Company’s Establishment
PT Wahana Ottomitra Multiartha Tbk PT Wahana Ottomitra Multiartha Tbk
(“Perusahaan”) didirikan di Republik Indonesia (“the Company”) was established in the
dengan nama PT Jakarta-Tokyo Leasing Republic of Indonesia as PT Jakarta-Tokyo
berdasarkan Akta No. 179 tanggal 23 Maret Leasing based on the Notarial Deed No. 179
1982 dan kemudian diubah dengan Akta dated March 23, 1982 of Kartini Muljadi, S.H.,
Perubahan Naskah Pendirian No. 96 tanggal Notary in Jakarta, which was subsequently
15 Desember 1982, keduanya dibuat di amended by the Notarial Deed No. 96 dated
hadapan Kartini Muljadi, S.H., Notaris di December 15, 1982 of the same notary. The
Jakarta. Akta pendirian ini disahkan oleh deed of establishment was approved by the
Menteri Kehakiman Republik Indonesia dalam Ministry of Justice of the Republic of Indonesia
Surat Keputusan No. C2-3167-HT01.01.TH82 in its Decision Letter No. C2-3167-
tanggal 23 Desember 1982 dan diumumkan HT01.01.TH82 dated December 23, 1982 and
dalam Berita Negara Republik Indonesia No. 26, was published in the State Gazette No. 26,
Tambahan No. 1248, tanggal 1 April 1997. Supplement No. 1248 dated April 1, 1997. The
Nama Perusahaan mengalami beberapa kali Company’s name has been changed several
perubahan, terakhir dengan Akta No. 5 tanggal times, the latest of which was covered by the
15 Maret 2000 yang dibuat di hadapan Anna Notarial Deed No. 5 dated March 15, 2000 of
Wong, S.H., Notaris di Tangerang, dimana Anna Wong, S.H., Notary in Tangerang, in
nama Perusahaan diubah dari PT Wahana which the Company’s name was changed from
Ometraco Multi Artha menjadi PT Wahana PT Wahana Ometraco Multi Artha to
Ottomitra Multiartha. Perubahan nama ini telah PT Wahana Ottomitra Multiartha. This changes
disetujui oleh Menteri Hukum dan Perundang- of name was approved by the Ministry of
undangan Republik Indonesia dalam Surat Laws and Regulations of the Republic of
Keputusan No. C-7437.HT.01.04.Th.2000 Indonesia in its Decision Letter No. C-
tanggal 27 Maret 2000. Anggaran Dasar 7437.HT.01.04.Th.2000 dated March 27, 2000.
Perusahaan mengalami beberapa kali The Company’s Articles of Association has
perubahan, dan perubahan Anggaran Dasar been amended several times, and the latest
terakhir yang memuat seluruh ketentuan amendment of Articles of Association contained
Anggaran Dasar termuat dalam Akta No. 15 all provisions of Articles of Association which
tanggal 30 Maret 2021 yang dibuat di hadapan was covered by the Notarial Deed No. 15 dated
Aryanti Artisari, S.H., M.Kn., Notaris di Kota March 30, 2021 of Aryanti Artisari, S.H., M.Kn.,
Administrasi Jakarta Selatan. Perubahan Notary in South Jakarta. The amendment of
Anggaran Dasar tersebut telah diterima dan Articles of Association has been accepted and
dicatat di dalam Sistem Administrasi Badan recorded in Legal Entity Administration System
Hukum berdasarkan Surat Penerimaan based on Admission Letter of Articles of
Pemberitahuan Perubahan Anggaran Dasar No. Association Amendment Notification No. AHU-
AHU-AH.01.03-0240108 dan Surat Penerimaan AH.01.03-0240108 and Admission Letter of
Pemberitahuan Perubahan Data Perusahaan Company Data Changes Notification No. AHU-
No. AHU-AH.01.03-0240119 yang keduanya AH.01.03-0240119, both dated April 16, 2021
tertanggal 16 April 2021 dan telah diumumkan and was published in the State Gazette No. 37,
dalam Berita Negara Republik Indonesia No. 37, supplement No. 017039 dated May 7, 2021.
tambahan No. 017039 tanggal 7 Mei 2021.
Kegiatan usaha utama Perusahaan The Company’s main business activities as

sebagaimana termuat pada Akta No.15 tanggal stated in Notarial Deed No. 15 dated March 30,
30 Maret 2021 yang dibuat di hadapan Aryanti 2021 of Aryanti Artisari, S.H., M.Kn., Notary in
Artisari, S.H., M.Kn., Notaris di Kota South Jakarta as follows:
Administrasi Jakarta Selatan adalah sebagai
berikut:
11
.01 .02 .03 .04


1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Perusahaan (lanjutan) a. The Company’s Establishment (continued)

Artisari, S.H., M.Kn., Notaris di Kota South Jakarta as follows: (continued)
berikut: (lanjutan)
a. Pembiayaan investasi yang dilakukan a. Financing investment is carried out in form:

dengan cara:
- Sewa pembiayaan; - Finance lease;

- Jual dan sewa balik; - Sale and leaseback;
- Anjak piutang dengan pemberian jaminan - Factoring with recourse;
dari penjual piutang;
- Anjak piutang tanpa pemberian jaminan - Factoring without recourse;
- Pembelian dengan pembayaran secara - Installment purchases;
angsuran;
- Pembiayaan proyek; - Project financing;
- Pembiayaan infrastruktur; dan/atau - Infrastructure financing; and/or
- Pembiayaan lain setelah terlebih dahulu - Other financing activities approved by
mendapatkan persetujuan dari OJK. OJK.
b. Pembiayaan modal kerja yang dilakukan b. Working capital financing is carried out in
dengan bentuk: form:
- Jual dan sewa balik; - Sale and leaseback;
- Anjak piutang dengan pemberian jaminan - Factoring with recourse;
- Anjak piutang tanpa pemberian jaminan - Factoring without recourse;
- Fasilitas modal usaha; dan/atau - Working capital facilities; and/or
c. Pembiayaan multiguna yang dilakukan c. Multi-purpose financing is carried out in

dengan bentuk: form:
- Sewa pembiayaan; - Finance lease;
- Pembelian dengan pembayaran secara - Installment purchases;
angsuran;
- Fasilitas dana; dan/atau - Fund facilities; and/or
d. Kegiatan usaha pembiayaan lain d. Other financing business activities
berdasarkan persetujuan OJK. approved by OJK.
e. Menyediakan pembiayaan dan/atau e. Provide financing and/or conduct business

melakukan kegiatan usaha berdasarkan activities based on sharia principles in
prinsip syariah, sesuai dengan ketentuan accordance with the regulation stipulated
yang ditetapkan oleh OJK, pemerintah by OJK, government and/or National
dan/atau Dewan Syariah Nasional yang Sharia Council that applies as follows:
a) Pembiayaan jual beli yang dilakukan a) Buy and sell financing is carried out by
dengan menggunakan akad: using a contract:
- Murabahah; - Murabahah;
- Salam; dan/atau - Salam; and/or
- Istishna’. - Istishna’.
12
.05 .06 .07



Artisari, S.H., M.Kn., Notaris di Kota South Jakarta as follows: (continued)
berikut: (lanjutan)
e. Menyediakan pembiayaan dan/atau e. Provide financing and/or conduct business

melakukan kegiatan usaha berdasarkan activities based on sharia principles in
prinsip syariah, sesuai dengan ketentuan accordance with the regulation stipulated
yang ditetapkan oleh OJK, pemerintah by OJK, government and/or National
dan/atau Dewan Syariah Nasional yang Sharia Council that applies as follows:
berlaku sebagai berikut: (lanjutan) (continued)
b) Pembiayaan investasi yang dilakukan b) Investment financing is carried out by

- Mudharabah; - Mudharabah;
- Musyarakah; - Musyarakah;
- Mudharabah Musytarakah; dan/atau - Mudharabah Musytarakah; and/or
Musyarakah Mutanaqishoh. Musyarakah Mutanaqishoh.
c) Pembiayaan jasa yang dilakukan c) Service financing is carried out by
- Ijarah; - Ijarah;
- Ijarah Muntahiyah Bittamlik; - Ijarah Muntahiyah Bittamlik;
- Hawalah atau Hawalah bil Ujrah; - Hawalah or Hawalah bil Ujrah;
- Wakalah atau Wakalah bil Ujrah; - Wakalah or Wakalah bil Ujrah;
- Kafalah atau Kafalah bil Ujrah; - Kafalah or Kafalah bil Ujrah;
- Ju’alah; dan/atau - Ju’alah; and/or
- Qardh. - Qardh.
Perusahaan memperoleh izin usaha sebagai The Company obtained a license to operate as
lembaga pembiayaan dari Menteri Keuangan a financing company from the Ministry of
Republik Indonesia melalui Surat Keputusan Finance of the Republic of Indonesia in its
No. 135/KMK.06/2001 tanggal 20 Maret 2001 Decision Letter No.135/KMK.06/2001 dated
yang merupakan kelanjutan dari izin usaha March 20, 2001 which was an extension of a
seperti yang dimaksud dalam Surat Keputusan previous license granted as mentioned in the
Menteri Keuangan No. KEP-028/KM.11/1982 Decision Letter of the Ministry of Finance
tanggal 30 Juni 1982 tentang Pemberian Izin No. KEP-028/KM.11/1982 dated June 30, 1982
Usaha Dalam Bidang Leasing kepada regarding the Granting of the Operating License
PT Jakarta-Tokyo Leasing. Izin usaha ini telah as a Leasing Company to PT Jakarta-Tokyo
beberapa kali diperpanjang, terakhir dengan Leasing. This license was subsequently
Surat Keputusan Menteri Keuangan extended several times, the latest of which by
No. KEP-105/KM.13/1988 tanggal 7 Juli 1988 the Decision Letter of the Ministry of Finance
dan diubah dengan Surat Keputusan Menteri No. KEP-105/KM.13/1988 dated July 7, 1988
Keuangan No. 327/KMK.017/1997 tanggal and changed by the Decision Letter of the
21 Juli 1997. Pada saat ini, izin usaha Ministry of Finance No. 327/KMK.017/1997
Perusahaan berdasarkan Surat Keputusan dated July 21, 1997. Currently, the Company’s
Menteri Keuangan No. 135/KMK.06/2001 license is based on Decision Letter of the
tanggal 20 Maret 2001. Ministry of Finance No. 135/KMK.06/2001
dated March 20, 2001.
13
.01 .02 .03 .04


Kantor pusat Perusahaan beralamat di Altira The Company’s head office is located at Altira
Office Tower (lantai 32, 33, dan 35) Jl. Yos Office Tower (32, 33, and 35 floor) Jl. Yos
Sudarso Kav. 85, Sunter Jaya, Tanjung Priok, Sudarso Kav. 85, Sunter Jaya, Tanjung Priok,
Jakarta Utara 14350. Perusahaan memiliki Jakarta Utara 14350. The Company has totally
kantor cabang dan kantor selain kantor cabang 166 (one hundred and sixty six) branches
dengan total 166 (seratus enam puluh enam) located in, among others, DKI Jakarta, Bogor,
lokasi yang antara lain di wilayah DKI Jakarta, Tangerang, Bekasi, Jawa Timur, Bali,
Bogor, Tangerang, Bekasi, Jawa Timur, Bali, Kalimantan, Sulawesi, Jawa Tengah, Jawa
Kalimantan, Sulawesi, Jawa Tengah, Jawa Barat, Sumatera, and Nusa Tenggara
Barat, Sumatera, dan Nusa Tenggara (tidak (unaudited).
diaudit).
Perusahaan merupakan entitas anak dari The Company is a subsidiary of PT Bank

PT Bank Maybank Indonesia Tbk (‘’BMI’’) Maybank Indonesia Tbk (‘’BMI’’) with
dengan persentase kepemilikan sebesar ownership percentage of 67.49%. The ultimate
67,49%. Pemegang saham akhir BMI adalah shareholder of BMI is Malayan Banking Berhad
Malayan Banking Berhad (‘’Maybank’’), yang (‘’Maybank’’), which is a bank based in
merupakan bank yang berkedudukan di Malaysia.
Malaysia.
b. Penawaran Umum Saham Perusahaan b. The Company’s Public Offerings

Pada tanggal 30 November 2004, Perusahaan On November 30, 2004, the Company obtained
memperoleh Pernyataan Efektif Pendaftaran the Effective Letter of the Registration
Penawaran Umum Perdana Saham dari Ketua Statement for the Initial Public Offering of
Badan Pengawas Pasar Modal (“BAPEPAM”) Shares from the Chairman of the Capital Market
dengan Surat No. S-3551/PM/2004 untuk Supervisory Agency (“BAPEPAM”) in its Letter
melakukan penawaran 200.000.000 lembar No. S-3551/PM/2004 for 200,000,000 shares
saham dengan nilai nominal Rp20.000 atau with a nominal value of Rp20,000 or Rp100 (in
Rp100 (dalam nilai penuh) per lembar saham full amount) per share and initial offering price
dan harga penawaran sebesar Rp700 (dalam of Rp700 (in full amount) per share. The
nilai penuh) per lembar saham. Saham Company’s shares were listed in the Jakarta
Perusahaan telah dicatatkan di Bursa Efek and Surabaya Stock Exchange (now Indonesia
Jakarta dan Surabaya (sekarang Bursa Efek Stock Exchange) on December 13, 2004.
Indonesia) pada tanggal 13 Desember 2004.
Pada tanggal 5 Februari 2015, Perusahaan On February 5, 2015, the Company obtained
memperoleh Pernyataan Efektif Pendaftaran the Effective Letter of the Registration
Penawaran Umum Terbatas I (“PUT I”) kepada Statement for the Right Issue I (“PUT I”) of
para pemegang saham Perusahaan dalam Shares to the shareholders of the Company in
rangka penerbitan Hak Memesan Efek Terlebih order to issue Rights of Letter
Dahulu (“HMETD”) dari surat No. S-39/D.04/2015 for 1,481,481,480
No. S-39/D.04/2015, sejumlah 1.481.481.480 shareholders’ new common shares with a
lembar saham biasa atas nama yang nominal value of Rp148,148 or Rp100 (in full
merupakan saham baru dengan nilai nominal amount) per share and initial offering price of
Rp148.148 atau Rp100 (dalam nilai penuh) per Rp135 (in full amount) per share. The
lembar saham dan harga penawaran sebesar Company’s shares were listed in Indonesia
Rp135 (dalam nilai penuh) per lembar saham. Stock Exchange on February 23, 2015.
Saham Perusahaan telah dicatatkan di Bursa
Efek Indonesia pada tanggal 23 Februari 2015.
14
.05 .06 .07


c. Penawaran Umum Obligasi Perusahaan c. The Company’s Bonds Offerings
Pada bulan November 2003, Perusahaan In November 2003, the Company offered to the
menawarkan kepada masyarakat “Obligasi I public “Bonds I WOM Finance Year 2003 With
WOM Finance Tahun 2003 Dengan Tingkat Fixed Interest Rate” with nominal value of
Suku Bunga Tetap” dengan jumlah pokok Rp300,000, which became effective on October
obligasi sebesar Rp300.000, yang dinyatakan 31, 2003 based on the Decision Letter
efektif oleh Badan Pengawas Pasar Modal dan No. S-2645/PM/2003 of Capital Market and
Lembaga Keuangan (“BAPEPAM-LK”) pada Financial Institution Supervisory Agency
tanggal 31 Oktober 2003 berdasarkan Surat (“BAPEPAM-LK”). On November 12, 2003, the
Keputusan No. S-2645/PM/2003. Obligasi ini Company listed the bonds in the Surabaya
dicatatkan pada Bursa Efek Surabaya Stock Exchange (now Indonesia Stock
(sekarang Bursa Efek Indonesia) pada tanggal Exchange).
12 November 2003.
Pada bulan Juni 2005, Perusahaan In June 2005, the Company offered to the public
menawarkan kepada masyarakat “Obligasi II “Bonds II WOM Finance Year 2005 With Fixed
WOM Finance Tahun 2005 Dengan Tingkat Interest Rate” with nominal value of Rp500,000,
Suku Bunga Tetap” dengan jumlah pokok which became effective on May 26, 2005 based
obligasi sebesar Rp500.000, yang dinyatakan on the Decision Letter No. S-1346/PM/2005 of
efektif oleh BAPEPAM-LK pada tanggal BAPEPAM-LK. On June 8, 2005, the Company
26 Mei 2005 berdasarkan Surat Keputusan listed the bonds in the Surabaya Stock
No. S-1346/PM/2005. Obligasi ini dicatatkan Exchange (now Indonesia Stock Exchange).
pada Bursa Efek Surabaya (sekarang Bursa
Efek Indonesia) pada tanggal 8 Juni 2005.
menawarkan kepada masyarakat “Obligasi III “Bonds III WOM Finance Year 2006 With Fixed
WOM Finance Tahun 2006 Dengan Tingkat Interest Rate” with nominal value of Rp825,000
Suku Bunga Tetap” dengan jumlah pokok which became effective on
obligasi sebesar Rp825.000 yang dinyatakan May 24, 2006 based on the Decision Letter
efektif oleh BAPEPAM-LK pada tanggal No. S-138/BL/2006 of BAPEPAM-LK. On
24 Mei 2006 berdasarkan Surat Keputusan June 8, 2006, the Company listed the bonds in
No. S-138/BL/2006. Obligasi ini dicatatkan the Surabaya Stock Exchange (now Indonesia
pada Bursa Efek Surabaya (sekarang Bursa Stock Exchange).
Efek Indonesia) pada tanggal 8 Juni 2006.
Pada bulan Mei 2007, Perusahaan In May 2007, the Company offered to the public
menawarkan kepada masyarakat “Obligasi IV “Bonds IV WOM Finance Year 2007 With Fixed
WOM Finance Tahun 2007 Dengan Tingkat Interest Rate” with nominal value of
Suku Bunga Tetap” dengan jumlah pokok Rp1,000,000, which became effective on
obligasi sebesar Rp1.000.000, yang dinyatakan May 14, 2007 based on the Decision Letter
efektif oleh BAPEPAM-LK pada tanggal 14 Mei No. S-2265/BL/2007 of BAPEPAM-LK. On May
2007 berdasarkan Surat Keputusan No. S- 30, 2007, the Company listed the bonds in the
2265/BL/2007. Obligasi ini dicatatkan pada Surabaya Stock Exchange (now Indonesia
Bursa Efek Surabaya (sekarang Bursa Efek Stock Exchange).
Indonesia) pada tanggal 30 Mei 2007.
Pada bulan Februari 2011, Perusahaan In February 2011, the Company offered to the
menawarkan pada masyarakat “Obligasi V public “Bonds V WOM Finance Year 2011 With
WOM Finance Tahun 2011 Dengan Tingkat Fixed Interest Rate’’ with nominal value of
Suku Bunga Tetap” dengan jumlah pokok Rp1,400,000, which became effective on
Rp1.400.000, yang dinyatakan efektif oleh February 23, 2011 based on the Decision Letter
BAPEPAM-LK pada tanggal 23 Februari 2011 No. S-1766/BL/2011 of BAPEPAM-LK. On
berdasarkan Surat Keputusan No. S- March 7, 2011, the Company listed the bonds
1766/BL/2011. Obligasi ini dicatatkan pada in the Indonesia Stock Exchange.
Bursa Efek Indonesia pada tanggal 7 Maret
2011.
15
.01 .02 .03 .04



menawarkan pada masyarakat “Obligasi “Continuing Bonds I Phase I WOM Finance
Berkelanjutan I WOM Finance Tahap I Tahun Year 2014 With Fixed Interest Rate” with
2014 Dengan Tingkat Suku Bunga Tetap” nominal value of Rp600,000, which became
dengan jumlah pokok Rp600.000, yang effective on June 17, 2014 based on the
dinyatakan efektif oleh Otoritas Jasa Keuangan Decision Letter No. S-272/D.04/2014 of
(“OJK”) (dahulu BAPEPAM-LK) pada tanggal Financial Services Authority (“OJK”) (formerly
17 Juni 2014 berdasarkan Surat Keputusan No. BAPEPAM-LK). The Company listed the bonds
S-272/D.04/2014. Obligasi ini dicatatkan pada in the Indonesia Stock Exchange on June 26,
Bursa Efek Indonesia pada tanggal 26 Juni 2014.
2014.
Selanjutnya, berdasarkan Obligasi Further, under the Continuing Bonds I, in
Berkelanjutan I, pada bulan Desember 2014, December 2014, the Company offered to the
Perusahaan menawarkan pada masyarakat public “Continuing Bonds I Phase II WOM
“Obligasi Berkelanjutan I WOM Finance Tahap Finance Year 2014 With Fixed Interest Rate”
II Tahun 2014 Dengan Tingkat Suku Bunga with nominal value of Rp800,000, which
Tetap” dengan jumlah pokok Rp800.000, yang became effective on June 17, 2014 based on
dinyatakan efektif oleh Otoritas Jasa Keuangan the Decision Letter No. S-272/D.04/2014 of
(“OJK”) (dahulu BAPEPAM-LK) pada tanggal Financial Services Authority (“OJK”) (formerly
17 Juni 2014 berdasarkan Surat Keputusan No. BAPEPAM-LK). The Company listed the bonds
S-272/D.04/2014. Obligasi ini dicatatkan pada in the Indonesia Stock Exchange on December
Bursa Efek Indonesia pada tanggal 8, 2014.
8 Desember 2014.
Pada bulan Maret 2015, Perusahaan In March 2015, the Company offered to the
menawarkan pada masyarakat “Obligasi public “Continuing Bonds I Phase III WOM
Berkelanjutan I WOM Finance Tahap III Tahun Finance Year 2015 With Fixed Interest Rate”
2015 Dengan Tingkat Suku Bunga Tetap” with nominal value of Rp1,000,000, which
dengan jumlah pokok Rp1.000.000, yang became effective on June 17, 2014 based on
dinyatakan efektif oleh OJK pada tanggal 17 the Decision Letter No. S-272/D.04/2014 of
Juni 2014 berdasarkan Surat Keputusan No. S- OJK. The Company listed the bonds in the
272/D.04/2014. Obligasi ini dicatatkan pada Indonesia Stock Exchange on April 6, 2015.
Bursa Efek Indonesia pada tanggal 6 April
2015.
Pada bulan Desember 2015, Perusahaan In December 2015, the Company offered to the
menawarkan pada masyarakat “Obligasi public “Continuing Bonds I Phase IV WOM
Berkelanjutan I WOM Finance Tahap IV Tahun Finance Year 2015 With Fixed Interest Rate”
2015 Dengan Tingkat Suku Bunga Tetap” with nominal value of Rp600,000, which
dengan jumlah pokok Rp600.000, yang became effective on June 17, 2014 based on
dinyatakan efektif oleh OJK pada tanggal 17 the Decision Letter No. S-272/D.04/2014 of
Juni 2014 berdasarkan Surat Keputusan No. S- OJK. The Company listed the bonds in the
272/D.04/2014. Obligasi ini dicatatkan pada Indonesia Stock Exchange on December 23,
Bursa Efek Indonesia pada tanggal 2015.
23 Desember 2015.
menawarkan pada masyarakat “Obligasi “Continuing Bonds II Phase I WOM Finance
Berkelanjutan II WOM Finance Tahap I Tahun Year 2016 With Fixed Interest Rate” with
2016 Dengan Tingkat Suku Bunga Tetap” nominal value of Rp665,000, which became
dengan jumlah pokok Rp665.000, yang effective on June 16, 2016 based on the
dinyatakan efektif oleh OJK pada tanggal 16 Decision Letter No. S-295/D.04/2016 of OJK.
Juni 2016 berdasarkan Surat Keputusan No. S- The Company listed the bonds in the Indonesia
295/D.04/2016. Obligasi ini dicatatkan pada Stock Exchange on June 27, 2016.
Bursa Efek Indonesia pada tanggal
27 Juni 2016.
16
.05 .06 .07



Pada bulan Agustus 2017, Perusahaan In August 2017, the Company offered to the
menawarkan pada masyarakat “Obligasi public “Continuing Bonds II Phase II WOM
Berkelanjutan II WOM Finance Tahap II Tahun Finance Year 2017 With Fixed Interest Rate”
2017 Dengan Tingkat Suku Bunga Tetap” with nominal value of Rp720,500 (Note 20),
dengan jumlah pokok Rp720.500 (Catatan 20), which became effective on June 16, 2016
yang dinyatakan efektif oleh OJK pada tanggal based on the Decision Letter
16 Juni 2016 berdasarkan Surat Keputusan No. S-295/D.04/2016 of OJK. The Company
No. S-295/D.04/2016. Obligasi ini dicatatkan listed the bonds in the Indonesia Stock
pada Bursa Efek Indonesia pada tanggal Exchange on August 23, 2017.
23 Agustus 2017.
menawarkan pada masyarakat “Obligasi public “Continuing Bonds II Phase III WOM
Berkelanjutan II WOM Finance Tahap III Tahun Finance Year 2017 With Fixed Interest Rate”
pada Bursa Efek Indonesia pada tanggal Exchange on December 7, 2017.
7 Desember 2017.
Pada bulan April 2018, Perusahaan In April 2018, the Company offered to the public
menawarkan pada masyarakat “Obligasi “Continuing Bonds II Phase IV WOM Finance
Berkelanjutan II WOM Finance Tahap IV Tahun Year 2018 With Fixed Interest Rate” with
2018 Dengan Tingkat Suku Bunga Tetap” nominal value of Rp793,000 (Note 20), which
dengan jumlah pokok Rp793.000 (Catatan 20), became effective on June 16, 2016 based on
yang dinyatakan efektif oleh OJK pada tanggal the Decision Letter No. S-295/D.04/2016 of
16 Juni 2016 berdasarkan Surat Keputusan OJK. The Company listed the bonds in the
No. S-295/D.04/2016. Obligasi ini dicatatkan Indonesia Stock Exchange on April 9, 2018.
pada Bursa Efek Indonesia pada tanggal 9 April
2018.
Pada bulan Juni 2018, Perusahaan In June 2018, the Company offered to the
menawarkan pada masyarakat “Obligasi public “Continuing Bonds II Phase V WOM
Berkelanjutan II WOM Finance Tahap V Tahun Finance Year 2018 With Fixed Interest Rate”
pada Bursa Efek Indonesia pada tanggal Exchange on June 20, 2018.
20 Juni 2018.
menawarkan pada masyarakat “Obligasi public “Continuing Bonds III Phase I WOM
Berkelanjutan III WOM Finance Tahap I Tahun Finance Year 2018 With Fixed Interest Rate”
dengan jumlah pokok Rp570.500 (Catatan 20) which became effective on December 14, 2018
yang dinyatakan efektif oleh OJK pada tanggal based on the Decision Letter No. S-
14 Desember 2018 berdasarkan Surat 184/D.04/2018 of OJK. The Company listed the
Keputusan No. S-184/D.04/2018. Obligasi ini bonds in the Indonesia Stock Exchange on
dicatatkan pada Bursa Efek Indonesia pada December 21, 2018.
tanggal 21 Desember 2018.
17
.01 .02 .03 .04



Pada bulan Mei 2019, Perusahaan In May 2019, the Company offered to the
menawarkan pada masyarakat “Obligasi public “Continuing Bonds III Phase II WOM
Berkelanjutan III WOM Finance Tahap II Tahun Finance Year 2018 With Fixed Interest Rate”
2019 Dengan Tingkat Suku Bunga Tetap” with nominal value of Rp1,675,000 (Note 20),
dengan jumlah pokok Rp1.675.000 (Catatan which became effective on December 14, 2018
20) yang dinyatakan efektif oleh OJK pada based on the Decision Letter No. S-
tanggal 14 Desember 2018 berdasarkan Surat 184/D.04/2018 of OJK. The Company listed the
Keputusan No. S-184/D.04/2018. Obligasi ini bonds in the Indonesia Stock Exchange on May
dicatatkan pada Bursa Efek Indonesia pada 31, 2019.
tanggal 31 Mei 2019.
Pada bulan Mei 2020, Perusahaan In May 2020, the Company offered to the
menawarkan pada masyarakat “Obligasi public “Continuing Bonds III Phase III WOM
Berkelanjutan III WOM Finance Tahap III Tahun Finance Year 2020 With Fixed Interest Rate”
dengan jumlah pokok Rp260.300 (Catatan 20) which became effective on December 14, 2018
14 Desember 2018 berdasarkan Surat No. S-184/D.04/2018 of OJK. The Company
Keputusan No. S-184/D.04/2018. Obligasi ini listed the bonds in the Indonesia Stock
dicatatkan pada Bursa Efek Indonesia pada Exchange on May 29, 2020.
tanggal 29 Mei 2020.
Pada bulan September 2020, Perusahaan In September 2020, the Company offered to the
menawarkan pada masyarakat “Obligasi public “Continuing Bonds III Phase IV WOM
Berkelanjutan III WOM Finance Tahap IV Finance Year 2020 With Fixed Interest Rate”
Tahun 2020 Dengan Tingkat Suku Bunga with nominal value of Rp500,000 (Note 20),
Tetap” dengan jumlah pokok Rp500.000 which became effective on December 14, 2018
(Catatan 20) yang dinyatakan efektif oleh OJK based on the Decision Letter
pada tanggal 14 Desember 2018 berdasarkan No. S-184/D.04/2018 of OJK. The Company
Surat Keputusan No. S-184/D.04/2018. listed the bonds in the Indonesia Stock
Obligasi ini dicatatkan pada Bursa Efek Exchange on September 11, 2020.
Indonesia pada tanggal 11 September 2020.
Pada bulan Juli 2021, Perusahaan In July 2021, the Company offered to the public
menawarkan pada masyarakat “Obligasi “Continuing Bonds IV Phase I WOM Finance
Berkelanjutan IV WOM Finance Tahap I Tahun Year 2021 With Fixed Interest Rate” with
2021 Dengan Tingkat Suku Bunga Tetap” nominal value of Rp500,000 (Note 20), which
dengan jumlah pokok Rp500.000 (Catatan 20) became effective on July 16, 2021 based on the
yang dinyatakan efektif oleh OJK pada tanggal Decision Letter No. S-113/D.04/2021 of OJK.
16 Juli 2021 berdasarkan Surat Keputusan No. The Company listed the bonds in the Indonesia
S-113/D.04/2021. Obligasi ini dicatatkan pada Stock Exchange on July 29, 2021.
Bursa Efek Indonesia pada tanggal 29 Juli
2021.
18
.05 .06 .07


d. Dewan Komisaris dan Direksi dan Karyawan d. The Boards of Commissioners and
Directors and Employees
Berdasarkan Akta Pernyataan Keputusan Rapat Based on Notarial Deed No. 181 dated July 30,
Perusahaan No. 181 tanggal 30 Juli 2020 yang 2020 of Aulia Taufani, S.H., Notary in South
dibuat di hadapan Aulia Taufani, S.H., Notaris di Jakarta, the amendment of the Company’s
Kota Administrasi Jakarta Selatan, yang Articles of Association accepted and recorded
perubahan Anggaran Dasar Perusahaan telah in Legal Entity Administration System based on
diterima dan dicatat di dalam Sistem Admission Notification Amendment Letter
Administrasi Badan Hukum berdasarkan Surat No. AHU-AH.01.03-0328964 dated August 5,
Penerimaan Pemberitahuan Perubahan Data 2020 and also Resolution Letter of
Perusahaan No. AHU-AH.01.03-0328964 Commissioners No. 010/III/BOC-WOM/2020
tanggal 5 Agustus 2020 serta Surat Keputusan dated March, 13, 2020, the composition of the
Dewan Komisaris tentang Pembentukan Komite Company’s Board of Commissioners, Board of
Audit No. 010/III/BOC-WOM/2020 tanggal 13 Directors, Sharia Supervisory Board and the
Maret 2020, susunan anggota Dewan Komisaris, Company’s Audit Committee as of December
Direksi, Dewan Pengawas Syariah Perusahaan 31, 2021 is as follows:
dan Komite Audit pada tanggal 31 Desember
2021 adalah sebagai berikut:
Presiden Komisaris President Commissioner
(Komisaris Independen) : I Nyoman Tjager : (Independent Commissioner)
Wakil Presiden Komisaris : Robbyanto Budiman : Vice President Commissioner
Komisaris : Garibaldi Thohir : Commissioner
Komisaris : Thilagavathy Nadason : Commissioner
Komisaris Independen : Myrnie Zachraini Tamin : Independent Commissioner
Direksi Board of Directors

Presiden Direktur : Djaja Suryanto Sutandar : President Director
Direktur Keuangan : Zacharia Susantadiredja* : Finance Director
Direktur Pemasaran : Wibowo : Marketing Director
Direktur Operasional : Anthony Yuarez Panggabean : Operations Director
Direktur Manajemen Risiko : Njauw Vido Onadi : Risk Management Director
Dewan Pengawas Syariah Sharia Supervisory Board

Ketua : Dr. H. Abdul Jabar Majid, MA : Chairman
Anggota :H. Muhammad Taufik Darmansyah, S.E., CPA : Member
Anggota : Dr. Ir. H. Muhamad Nadratuzzaman Hosen : Member
Komite Audit Audit Committee

Ketua : I Nyoman Tjager : Chairman
Anggota : Patricia Marina Sugondo : Member
Anggota : Emmanuel Bambang Suyitno : Member
*Tugas dan wewenang Direktur Keuangan dilaksanakan oleh Presiden Direktur *Finance Director’s responsibilities and authorities is taken over by President Director
efektif per tanggal 16 November 2021 berdasarkan Surat Keputusan Direksi effective from November 16, 2021 based on Director’s Decree
tanggal 12 November 2021 terkait dengan pengunduran diri dated November 12, 2021 in relation with resignation of
Zacharia Susantadiredja efektif per tanggal 15 November 2021. Zacharia Susantadiredja effective from November 15, 2021.
19
.01 .02 .03 .04


(lanjutan) Directors and Employees (continued)
Berdasarkan Akta Pernyataan Keputusan Rapat Based on Notarial Deed No. 181 dated July 30,
Perusahaan No. 181 tanggal 30 Juli 2020 yang 2020 of Aulia Taufani, S.H., Notary in South
dibuat di hadapan Aulia Taufani, S.H., Notaris di Jakarta, the amendment of the Company’s
Kota Administrasi Jakarta Selatan, yang Articles of Association has been accepted and
perubahan Anggaran Dasar Perusahaan telah recorded in Legal Entity Administration System
diterima dan dicatat di dalam Sistem Administrasi based on Admission Notification Amendment
Badan Hukum berdasarkan Surat Penerimaan Letter No. AHU-AH.01.03-0328964 dated
Pemberitahuan Perubahan Data Perusahaan August 5, 2020 and also Resolution Letter of
No. AHU-AH.01.03-0328964 tanggal 5 Agustus Commissioners No. 010/III/BOC-WOM/2020
2020 serta Surat Keputusan Dewan Komisaris dated March, 13, 2020, the composition of the
tentang Pembentukan Komite Audit No. Company’s Boards of Commissioners, Boards
010/III/BOC-WOM/2020 tanggal 13 Maret 2020, of Directors, Sharia Supervisory Board and the
susunan anggota Dewan Komisaris, Direksi, Company’s Audit Committee as of December
Dewan Pengawas Syariah Perusahaan dan 31, 2020 is as follows:
Komite Audit, pada tanggal 31 Desember 2020
adalah sebagai berikut:

Presiden Komisaris President Commissioner
(Komisaris Independen) : I Nyoman Tjager : (Independent Commissioner)
Wakil Presiden Komisaris : Robbyanto Budiman : Vice President Commissioner
Komisaris : Garibaldi Thohir : Commissioner
Komisaris : Thilagavathy Nadason : Commissioner
Komisaris Independen : Myrnie Zachraini Tamin : Independent Commissioner
Direksi Board of Directors

Presiden Direktur : Djaja Suryanto Sutandar : President Director
Direktur Keuangan : Zacharia Susantadiredja : Finance Director
Direktur Pemasaran : Wibowo* : Marketing Director
Direktur Operasional : Anthony Yuarez Panggabean : Operations Director
Direktur Manajemen Risiko : Njauw Vido Onadi : Risk Management Director
Dewan Pengawas Syariah Sharia Supervisory Board

Ketua : Dr. H. Abdul Jabar Majid, MA : Chairman
Anggota :H. Muhammad Taufik Darmansyah, S.E., CPA : Member
Anggota : Dr. Ir. H. Muhamad Nadratuzzaman Hosen : Member
Komite Audit Audit Committee

Ketua : I Nyoman Tjager : Chairman
Anggota : Patricia Marina Sugondo : Member
Anggota : Emmanuel Bambang Suyitno : Member
*Efektif per tanggal 30 Juli 2020 sebagaimana tercantum *Effectively as per July 30, 2020 as stated in Notarial
dalam Akta Pernyataan Keputusan Rapat Deed No. 181 dated July 30, 2020 of Aulia
Perusahaan No. 181 tanggal 30 Juli 2020 yang Taufani, S.H., Notary in South Jakarta.
dibuat di hadapan Aulia Taufani, S.H.,
Notaris di Kota Administrasi Jakarta Selatan.
Pembentukan Sekretaris Perusahaan telah The establishment of the Company’s Corporate

sesuai dengan Peraturan Otoritas Jasa Secretary is in compliance with Financial
Keuangan No. 35/POJK.04/2014 tanggal Services Authority Regulation No.
8 Desember 2014. 35/POJK.04/2014 dated December 8, 2014.
Berdasarkan Surat Keputusan Pengangkatan Based on Decision Letter Concerning

Sekretaris Perusahaan No. 1310/XI/DIR- Appointment of Corporate Secretary No.
WOM/2021 tanggal 15 November 2021, 1310/XI/DIR-WOM/2021 dated November 15,
Sekretaris Perusahaan pada tanggal 2021, the Corporate Secretary as of December
31 Desember 2021 adalah Djaja Suryanto 31, 2021 is Djaja Suryanto Sutandar.
Sutandar.
20
.05 .06 .07


(lanjutan) Directors and Employees (continued)
Berdasarkan Surat Keputusan Direksi Based on Directors’ Decision Letter of the

Perusahaan No. 1546/DIR/IV/2015 tanggal Company No. 1546/DIR/IV/2015 dated April 29,
29 April 2015, Sekretaris Perusahaan pada 2015, the Corporate Secretary as of December
tanggal 31 Desember 2020 adalah Zacharia 31, 2020 is Zacharia Susantadiredja.
Susantadiredja.
Pembentukan Divisi Audit Internal Perusahaan The establishment of the Company’s Internal
sudah sesuai dengan Peraturan Otoritas Jasa Audit Division is in compliance with Financial
Keuangan No. 56/POJK.04/2015 tanggal Services Authority Regulation No.
23 Desember 2015. 56/POJK.04/2015 dated December 23, 2015.
Berdasarkan Surat Keputusan Direksi Based on Directors’ Decision Letter of the

Perusahaan tanggal 31 Agustus 2018, Kepala Company dated August 31, 2018, the Internal
Unit Audit Internal pada tanggal 31 Desember Audit Division Head as of December 31, 2021
2021 dan 2020 adalah Ignatius Prasetya. and 2020 is Ignatius Prasetya.
Perusahaan memiliki masing-masing 2.411 dan The Company has a total of 2,411 and 2,204,
2.204 karyawan tetap pada tanggal 31 permanent employees as of December 31,
Desember 2021 dan 2020 (tidak diaudit). 2021 and 2020, respectively (unaudited).
e. Penyelesaian Laporan Keuangan e. Completion of the Financial Statements
Manajemen Perusahaan bertanggung jawab The management of the Company is

atas penyusunan laporan keuangan ini yang responsible for the preparation of the
telah diselesaikan dan diotorisasi untuk terbit accompanying financial statements which were
oleh Direksi Perusahaan pada tanggal completed and authorized for issue by the
17 Februari 2022. Company’s Board of Directors on
February 17, 2022.
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING 2. SUMMARY OF SIGNIFICANT ACCOUNTING

POLICIES
a. Pernyataan kepatuhan dan dasar a. Statement of compliance and basis of

penyusunan laporan keuangan preparation of the financial statements
Laporan keuangan telah disusun dan disajikan The financial statements have been prepared
sesuai dengan Standar Akuntansi Keuangan and presented in accordance with Financial
(“SAK”) dan Standar Akuntansi Keuangan Accounting Standards (“FAS”) and Sharia
Syariah di Indonesia, yang mencakup Financial Accounting Standards in Indonesia,
Pernyataan dan Interpretasi yang dikeluarkan which comprise the Statements and
oleh Dewan Standar Akuntansi Keuangan dan Interpretations issued by the Board of Financial
Dewan Standar Syariah Ikatan Akuntan Accounting Standards and Board of Sharia
Indonesia serta Peraturan Otoritas Jasa Standards of the Indonesian Institute of
Keuangan (“OJK”), Peraturan No. VIII.G.7 Accountants and Financial Services Authority
tentang “Penyajian dan Pengungkapan (“OJK”), Regulation No. VIII.G.7 regarding
Laporan Keuangan Emiten atau Perusahaan “Issuer’s or Public Company’s Financial
Publik” yang terdapat dalam Lampiran Statements Presentation and Disclosure” as
Keputusan Ketua BAPEPAM-LK No. KEP- included in the Appendix of the Decree of the
347/BL/2012 tanggal 25 Juni 2012. Chairman of BAPEPAM-LK No. KEP-
347/BL/2012 dated June 25, 2012.
Laporan keuangan disusun berdasarkan The financial statements have been prepared
konsep akrual kecuali untuk laporan arus kas, on the accrual basis except for the statement of
dan menggunakan konsep biaya perolehan cash flows, and using the historical cost
(historical cost), kecuali seperti yang disebutkan concept of accounting, except as disclosed in
dalam catatan atas laporan keuangan yang the relevant notes to the financial statements.
relevan.
21
.01 .02 .03 .04



(lanjutan) POLICIES (continued)
a. Pernyataan kepatuhan dan dasar a. Statement of compliance and basis of

penyusunan laporan keuangan (lanjutan) preparation of the financial statements
(continued)
Laporan arus kas menyajikan informasi The statement of cash flows presents
penerimaan dan pengeluaran kas dan setara information on receipts and payments of cash
kas yang diklasifikasikan ke dalam aktivitas and cash equivalents classified into operating,
operasi, investasi dan pendanaan dengan investing and financing activities using the
menggunakan metode langsung. direct method.
Mata uang penyajian yang digunakan dalam The presentation currency used in the financial
penyusunan laporan keuangan ini adalah mata statements is Indonesian Rupiah, which is the
uang Rupiah yang merupakan mata uang functional currency.
fungsional.
Seluruh angka dalam laporan keuangan ini, All figures in the financial statements are
dibulatkan menjadi dan disajikan dalam jutaan rounded to and stated in millions of Rupiah,
Rupiah, kecuali dinyatakan lain. unless otherwise stated.
b. Kas dan setara kas b. Cash and cash equivalents
Kas dan setara kas terdiri dari kas, bank dan Cash and cash equivalents consist of cash on
deposito berjangka dengan jangka waktu 3 hand, cash in banks and unrestricted time
(tiga) bulan atau kurang sejak tanggal deposits with maturity periods of three (3)
penempatan dan tidak digunakan sebagai months or less at the time of placement and not
jaminan atas utang serta tidak dibatasi used as collateral for loans nor restricted.
penggunaannya. Deposito yang digunakan Deposits which are used as collateral, if any,
sebagai jaminan, jika ada, diklasifikasikan are classified as “Time Deposits”.
sebagai “Deposito Berjangka”.
c. Transaksi dengan pihak-pihak berelasi c. Transactions with related parties
Perusahaan menerapkan PSAK 7 (Revisi The Company applied SFAS 7 (Revised 2010),
2010), “Pengungkapan Pihak-pihak Berelasi”. “Related Parties Disclosures”. The revised
PSAK revisi ini mensyaratkan pengungkapan SFAS requires disclosure of related parties
hubungan, transaksi, dan saldo pihak-pihak relationships, transactions, and outstanding
berelasi, termasuk komitmen, dalam laporan balances, including commitments, in the
keuangan. financial statements.
Transaksi ini dilakukan berdasarkan The transactions are made based on terms
persyaratan yang disetujui oleh kedua belah agreed by the parties, where by such terms may
pihak, dimana persyaratan tersebut mungkin not be the same as those transactions with
tidak sama dengan transaksi lain yang unrelated parties.
dilakukan dengan pihak-pihak yang tidak
berelasi.
Pihak berelasi adalah orang atau entitas yang A related party is a person or entity that is
terkait dengan entitas yang menyiapkan laporan related to the entity that is preparing its financial
keuangannya (entitas pelapor). Yang termasuk statements (reporting entity). Related parties
pihak berelasi sebagai berikut: are:
22
.05 .06 .07




1) Orang atau anggota keluarga terdekat 1) A person or a close member of that

mempunyai relasi dengan entitas pelapor person’s family is related to a reporting
jika orang tersebut: entity if that person:
a) Memiliki pengendalian atau a) Has control or joint control of the
pengendalian bersama atas entitas reporting entity;
pelapor;
b) Memiliki pengaruh signifikan atas b) Has significant influence over the
entitas pelapor; atau reporting entity; or
c) Merupakan personil manajemen c) Is a member of the key management
kunci entitas pelapor atau entitas personnel of the reporting entity or of
induk entitas pelapor. a parent of the reporting entity.
2) Entitas mempunyai relasi dengan entitas 2) An entity is related to a reporting entity if

pelapor jika entitas tersebut: any of the following conditions applies:
a) Entitas dan entitas pelapor adalah a) The entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary
anak, dan entitas anak berikutnya and fellow subsidiary is related to the
terkait dengan entitas lain); others);
b) Suatu entitas adalah entitas asosiasi b) One entity is an associate or joint
atau ventura bersama dari entitas lain venture of the other entity (or an
(atau entitas asosiasi atau ventura associate or joint venture of a member
bersama yang merupakan anggota of a group of which the other entity is a
suatu kelompok usaha, yang mana member);
entitas lain tersebut adalah
anggotanya);
c) Kedua entitas tersebut adalah c) Both entities are joint ventures of the
ventura bersama dari pihak ketiga same third party;
yang sama;
d) Suatu entitas adalah ventura d) One entity is a joint venture of a third
bersama dari entitas ketiga dan entity and the other entity is an
entitas yang lain adalah entitas associate of the third entity;
asosiasi dari entitas ketiga;
e) Entitas tersebut adalah suatu e) The entity is a employee benefit plan
program imbalan kerja untuk imbalan for the benefit of employees of either
kerja dari salah satu entitas pelapor the reporting entity or an entity related
atau entitas yang terkait dengan to the reporting entity. If the reporting
entitas pelapor. Jika entitas pelapor entity is it self such a plan, the
adalah entitas yang sponsoring employers are also related
menyelenggarakan program tersebut, to the reporting entity;
maka entitas sponsor juga berelasi
dengan entitas pelapor;
f) Entitas yang dikendalikan atau f) The entity is controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in 1);
yang diidentifikasi sebagaimana or
dimaksud dalam angka 1); atau
g) Orang yang diidentifikasi g) A person identified in 1) a) has
sebagaimana dimaksud dalam angka significant influence over the entity or
1) huruf a) memiliki pengaruh is a member of the key management
signifikan atas entitas atau personnel of the entity (or a parent of
merupakan personil manajemen the entity).
kunci entitas (atau entitas induk dari
entitas).
23
.01 .02 .03 .04




Seluruh transaksi dan saldo yang material All significant transactions and balances with
dengan pihak-pihak berelasi diungkapkan related parties are disclosed in the relevant
dalam catatan atas laporan keuangan yang notes to the financial statements.
relevan.
d. Aset keuangan d. Financial assets
Klasifikasi Classification
Aset keuangan diklasifikasikan sebagai aset Financial assets have classified as financial
keuangan yang diukur berdasarkan biaya assets measured at amortized cost, financial
perolehan diamortisasi, aset keuangan diukur assets measured at fair value through other
dengan nilai wajar melalui penghasilan comprehensive income, and financial assets
komprehensif lain, dan aset keuangan diukur measured at fair value through profit or loss.
dengan nilai wajar melalui laba rugi.
Penilaian model bisnis Business model assessment
Perusahaan melakukan penilaian terhadap The Company makes an assessment of the

tujuan model bisnis dari kepemilikan suatu aset objective of a business model in which an asset
pada tingkatan portofolio, karena hal ini yang is held at a portfolio level because this best
paling mencerminkan cara bisnis dikelola dan reflects the way the business is managed and
informasi diberikan kepada manajemen. information is provided to management. The
Informasi yang dipertimbangkan meliputi: information considered includes:
- Kebijakan dan tujuan yang dinyatakan untuk - The stated policies and objectives for the
portofolio dan pengoperasian kebijakan portfolio and the operation of those policies in
tersebut dalam praktiknya. Secara khusus, practice. In particular, whether management’s
apakah strategi manajemen berfokus pada strategy focuses on earning contractual
menghasilkan pendapatan bunga interest revenue, matching the duration of the
kontraktual, mencocokkan durasi aset financial assets to the duration of the liabilities
keuangan dengan durasi kewajiban yang that are funding those assets or realizing
mendanai aset tersebut; cash flows through the sale of the assets;
- Bagaimana kinerja portofolio dievaluasi dan - How the performance of the portfolio is
dilaporkan kepada manajemen Perusahaan; evaluated and reported to the Company’s
management;
- Risiko yang mempengaruhi kinerja model - The risks that affect the performance of the
bisnis (dan aset keuangan yang dimiliki dalam business model (and the financial assets held
model bisnis itu) dan strateginya untuk within that business model) and its strategy
bagaimana risiko tersebut dikelola. how those risks are managed.
Untuk tujuan penilaian ini, ”pokok‟ didefinisikan For the purposes of this assessment, ”principal‟
sebagai nilai wajar dari aset keuangan pada is defined as the fair value of the financial
pengakuan awal. ”Bunga‟ didefinisikan assets on initial recognition. ”Interest‟ is defined
sebagai: as consideration for:
- Imbalan untuk nilai waktu atas uang; - The time value of money;
- Risiko kredit yang terkait dengan jumlah - Credit risk associated with the principal
pokok yang terutang selama periode waktu amount outstanding during a particular period
tertentu; of time;
- Risiko dan biaya pinjaman dasar lainnya - Other basic lending risks and costs (e.g.
(misalnya risiko likuiditas dan biaya liquidity risk and administrative costs); and
administrasi); dan
- Marjin keuntungan. - Profit margin.
24
.05 .06 .07



d. Aset keuangan (lanjutan) d. Financial assets (continued)
Klasifikasi (lanjutan) Classification (continued)
Penilaian apakah arus kas kontraktual hanya Assessment of whether contractual cash flows
pembayaran pokok dan bunga semata (SPPI) are solely payment of principal and interest
(SPPI)
Dalam menilai apakah arus kas kontraktual In assessing whether the contractual cash flows
adalah SPPI, Perusahaan mempertimbangkan are SPPI, the Company considers the
ketentuan kontraktual instrumen tersebut. Hal contractual terms of the instrument. This
ini termasuk menilai apakah aset keuangan includes assessing whether the financial assets
mengandung ketentuan kontraktual yang dapat contains a contractual term that could change
mengubah waktu atau jumlah arus kas the timing or amount of contractual cash flows
kontraktual sehingga tidak memenuhi kondisi such that it would not meet this condition. In
ini. Dalam melakukan penilaian, Perusahaan making the assessment, the Company
mempertimbangkan: considers:
- Peristiwa kontinjensi yang akan mengubah - Contingent events that would change the
jumlah dan waktu arus kas; amount and timing of cash flows;
- Ketentuan percepatan pelunasan dan - Prepayment and extension terms.
perpanjangan.
Tabel berikut menyajikan klasifikasi instrumen The following table presents classification of
keuangan Perusahaan berdasarkan financial instruments of the Company based on
karakteristik dari instrumen keuangan tersebut: characteristic of those financial instruments:
Golongan
Kategori yang didefinisikan (ditentukan oleh Perusahaan)/
oleh PSAK 71/ Class (as determined by the Subgolongan/
Category as defined by SFAS 71 Company) Subclasses
Kas dan setara kas/Cash and cash equivalents
- Bank/Cash in banks
Aset keuangan yang diukur - Deposito berjangka/Time deposits
Aset keuangan/
pada biaya perolehan yang Piutang pembiayaan konsumen/Consumer financing receivables
Financial
diamortisasi/Financial assets Piutang pembiayaan modal usaha/Capital financing receivables
assets
at amortized cost Piutang sewa pembiayaan/Finance lease receivables
Piutang lain-lain/Other receivables
Utang bank/Bank loans
Utang lain-lain/Other payables
Liabilitas Liabilitas keuangan yang diukur
keuangan/ pada biaya perolehan Biaya yang masih harus dibayar/Accrued expenses
Financial diamortisasi/Financial liabilities
Utang obligasi/Bonds payable
liabilities at amortized cost
Utang subordinasi/Subordinated loans
Liabilitas sewa/Lease liabilities
Pengakuan dan Pengukuran Recognition and Measurement
Klasifikasi aset keuangan menggunakan The classification of financial assets uses the
pendekatan model bisnis dan karakteristik arus business model approach and contractual cash
kas kontraktual dari aset keuangan tersebut. flow characteristic of the financial assets. After
Setelah pengakuan awal, aset keuangan diukur initial recognition, financial assets are
dengan biaya perolehan diamortisasi, nilai measured at amortized cost, fair value through
wajar melalui penghasilan komprehensif lain other comprehensive income and fair value
dan nilai wajar melalui laba rugi berdasarkan through profit or loss based on the business
pada model bisnis yang diadopsi. model adopted.
25
.01 .02 .03 .04



Pengakuan dan Pengukuran (lanjutan) Recognition and Measurement (continued)
Semua instrumen keuangan pada saat All financial instruments are measured initially
pengakuan awal diukur sebesar nilai wajarnya. at their fair value. In the case that financial
Dalam hal aset keuangan atau liabilitas assets or financial liabilities are not designated
keuangan tidak diukur pada nilai wajar melalui at fair value through profit or loss, the fair value
laba rugi, nilai wajar tersebut ditambah biaya should be added with attributable transaction
transaksi yang dapat diatribusikan secara costs directly from acquisition or issuance of
langsung dengan perolehan atau penerbitan financial assets or financial liabilities.
aset keuangan atau liabilitas keuangan
tersebut.
Aset keuangan dalam kelompok biaya Financial asset classified as amortized cost and
perolehan diamortisasi dan liabilitas keuangan other financial liabilities are measured at
lainnya diukur pada biaya perolehan amortized cost using the effective interest rate
diamortisasi dengan menggunakan metode method.
suku bunga efektif.
Aset Keuangan Yang Direstrukturisasi Restructured Financial Assets
Jika ketentuan aset keuangan dinegosiasikan If the terms of the financial assets are
ulang atau dimodifikasi atau aset keuangan renegotiated or modified or the existing
yang ada diganti dengan yang baru karena financial assets are replaced with new ones
kesulitan keuangan peminjam, maka dilakukan due to the borrower’s financial difficulties, an
penilaian apakah aset keuangan yang ada assessment is made whether recognition of
harus dihentikan pengakuannya dan kerugian existing financial assets must be derecognized
kredit ekspektasian diukur sebagai berikut: and expected credit losses measured as
follows:
 Jika restrukturisasi tidak mengakibatkan  If the restructuring does not result in the
penghentian pengakuan aset yang ada, termination of recognition of existing
maka arus kas yang diperkirakan yang assets, then the estimated cash flows
timbul dari aset keuangan yang arising from the modified financial assets
dimodifikasi dimasukkan dalam are included in the calculation of cash
perhitungan kekurangan kas dari aset yang shortages of existing assets.
ada.
 Jika restrukturisasi akan menghasilkan  If the restructuring will result in a
penghentian pengakuan aset yang ada, derecognition of the existing assets, the
maka nilai wajar aset baru diperlakukan fair value of the new asset is treated as the
sebagai arus kas akhir dari aset keuangan final cash flow of the existing financial
yang ada pada saat penghentian assets at the time of derecognition. This
pengakuannya. Jumlah ini dimasukkan amount is included in the calculation of
dalam perhitungan kekurangan kas dari cash shortages from existing financial
aset keuangan yang ada yang assets which are discounted from the date
didiskontokan dari tanggal penghentian of derecognition to the reporting date
pengakuan ke tanggal pelaporan using the initial effective interest rate of the
menggunakan suku bunga efektif awal dari existing financial assets.
aset keuangan yang ada.
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Penghentian Pengakuan Derecognition
Perusahaan menghentikan pengakuan aset The Company derecognizes a financial asset if,
keuangan, jika dan hanya jika, hak kontraktual and only if, the contractual rights to receive
untuk menerima arus kas yang berasal dari aset cash flows from the asset have expired; or the
keuangan tersebut berakhir; atau Perusahaan Company has transferred its rights to receive
mentransfer hak untuk menerima arus kas yang cash flows from the asset or has assumed an
berasal dari aset keuangan atau menanggung obligation to pay the received cash flows in full
kewajiban untuk membayarkan arus kas yang without material delay to a third party under a
diterima tersebut secara penuh tanpa pass through arrangement; and either (a) the
penundaan berarti kepada pihak ketiga di bawah Company has transferred substantially all the
kesepakatan pelepasan (pass through risks and rewards of the asset, or (b) the
arrangement); dan (a) Perusahaan telah Company has neither transferred nor retained
mentransfer secara substansial seluruh risiko substantially all the risks and rewards of the
dan manfaat atas aset, atau (b) Perusahaan asset, but has transferred control of the asset.
tidak mentransfer maupun tidak memiliki secara
substansial seluruh risiko dan manfaat atas aset,
namun telah mentransfer pengendalian atas
aset.
e. Cadangan kerugian penurunan nilai atas aset e. Allowance for Impairment losses on
keuangan financial assets
Perhitungan cadangan kerugian penurunan Calculation of allowance for impairment

nilai atas aset keuangan yang dinilai kolektif, losses on financial assets assessed
berdasarkan pada karakteristik risiko kredit collectively is grouped based on similar credit
yang sama dengan mempertimbangkan risk characteristic and taking into account the
segmentasi pembiayaan berdasarkan financing segmentation based on future loss
permodelan kerugian masa depan. model.
Perusahaan mengukur penyisihan kerugian The Company should measure the loss
aset keuangan sejumlah kerugian kredit allowance of financial assets as much as
ekspektasian (“ECL”), jika risiko kredit atas aset lifetime expected credit losses (“ECL”), if
keuangan tersebut telah meningkat secara credit risk of the financial assets has
signifikan sejak pengakuan awal. Jika pada increased significantly since the initial
tanggal pelaporan, risiko kredit atas instrumen recognition. If at the reporting date, the credit
keuangan tidak meningkat secara signifikan risk of the financial assets has not increased
sejak pengakuan awal, maka Perusahaan akan significantly since the initial recognition, the
mengukur penyisihan kerugian untuk instrumen Company measures the loss allowance for
keuangan tersebut sejumlah ECL 12 bulan. the financial assets as much as 12-month
ECL.
ECL 12 Bulan dan ECL Lifetime 12-Month and Lifetime ECL

ECL 12 bulan adalah bagian dari kerugian 12-month ECL is the portion of the lifetime ECL
kredit ekspektasian sepanjang umurnya yang that represents the ECL that results from
merepresentasikan ECL yang timbul dari default events on a financial assets that is
peristiwa gagal bayar instrumen keuangan yang possible within 12 months after the reporting
mungkin terjadi dalam 12 bulan setelah tanggal date (or a shorter period if the expected life of
pelaporan (atau periode yang lebih pendek jika the financial assets is less than 12 months). 12-
umur aset keuangan yang diharapkan kurang month ECL is weighted by the probability of
dari 12 bulan). ECL 12 bulan dibobot oleh such a default occurring.
probabilitas terjadinya default dimaksud.
ECL lifetime adalah kerugian yang diakibatkan Lifetime ECL is the loss that results from all
dari semua kejadian default yang mungkin possible default events over the expected life of
terjadi selama perkiraan waktu aset keuangan. the financial assets.
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e. Cadangan kerugian penurunan nilai atas e. Allowance for Impairment losses on

aset keuangan (lanjutan) financial assets (continued)
Staging Criteria Staging Criteria

Aset keuangan harus dialokasikan ke salah Financial assets have to be allocated to one of
satu dari tiga tahap penurunan nilai (stage 1, the three impairment stages (stage 1, stage 2,
stage 2, stage 3) dengan menentukan apakah stage 3) by determining whether a significant
terjadi peningkatan risiko kredit yang signifikan increase in credit risk has occurred on financial
atas instrumen keuangan sejak pengakuan instruments since initial recognition or whether
awal atau apakah fasilitas tersebut gagal bayar the facility is defaulted on the reporting date.
pada setiap tanggal pelaporan.
Stage 1: mencakup instrumen keuangan yang Stage 1: includes financial instruments that
tidak memiliki peningkatan signifikan atas risiko have not had a significant increase in credit risk
kredit sejak pengakuan awal atau memiliki since initial recognition or that have low credit
risiko kredit rendah pada tanggal pelaporan. risk at the reporting date. For these assets, 12-
Untuk aset ini, ECL 12 bulan akan dihitung. month ECL is recognized.
Aset keuangan yang dikategorikan sebagai Financial assets categorized as stage 1 is

stage 1 adalah aset keuangan dengan hari financial assets with days overdue less or equal
tunggakan kurang atau sama dengan 30 (tiga than 30 (thirty) days.
puluh) hari.
mengalami peningkatan signifikan atas risiko have had a significant increase in credit risk
kredit sejak pengakuan awal (kecuali jika since initial recognition (unless they have low
memiliki risiko kredit rendah pada tanggal credit risk at the reporting date) but do not have
pelaporan), namun tidak memiliki bukti objective evidence of impairment. For these
penurunan nilai yang obyektif. Untuk aset ini, assets, lifetime ECL is recognized. Lifetime
ECL lifetime dihitung. ECL lifetime adalah ECL is the expected credit losses that result
kerugian kredit yang diharapkan yang from all possible default events over the
dihasilkan dari semua kejadian default yang expected life of the financial instruments.
mungkin terjadi selama perkiraan umur dari
instrumen keuangan.
Aset keuangan yang dianggap telah mengalami Financial assets considered to experience
peningkatan risiko kredit yang signifikan dan significant increase in credit risk and
dikategorikan sebagai stage 2 adalah aset categorized as stage 2 is financial assets with
keuangan dengan hari tunggakan dari 31 (tiga days overdue 31 (thirty one) to 90 (ninety) days.
puluh satu) sampai dengan 90 (sembilan puluh)
hari.
memiliki bukti obyektif penurunan nilai pada have objective evidence of impairment at the
tanggal pelaporan. Tahap ini berisi debitur yang reporting date. This stage has obligors that
telah impaired (gagal bayar). Faktor utama already are impaired (defaulted). The key factor
dalam menentukan apakah instrumen in determining whether a financial instrument
keuangan memerlukan ECL 12 bulan (stage 1) attracts 12-month ECL (stage 1) or lifetime ECL
atau ECL lifetime (stage 2) disebut dengan (stage 2) is called by the criteria of Significant
kriteria Peningkatan Signifikan dalam Risiko Increase in Credit Risk (SICR). Determining
Kredit (SICR). Penentuan kriteria peningkatan significant increase in credit risk (SICR) criteria
risiko kredit yang signifikan (SICR) memerlukan involves assessment of whether there has been
pengkajian apakah telah terjadi peningkatan a significant increase in credit risk at each
risiko kredit yang signifikan pada setiap tanggal reporting date.
pelaporan.
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Staging Criteria (lanjutan) Staging Criteria (continued)
Aset keuangan yang dikategorikan sebagai Financial assets categorized as stage 3 is

stage 3 adalah asset keuangan dengan hari financial assets with days overdue more than
tunggakan lebih dari 90 (sembilan puluh) hari, 90 (ninety) days, repossessed asset, and with
aset pembiayaan yang ditarik, dan aset dengan status claim insurances.
status klaim asuransi.
Perusahaan menetapkan definisi peningkatan The Company has determined the definition of
risiko kredit instrumen keuangan secara a significant increase in credit risk of financial
signifikan sejak pengakuan awal sesuai dengan instruments since initial recognition in
praduga (rebuttable presumption) PSAK 71, accordance with presumption (rebuttable
yaitu ketika pembayaran kontraktual tertunggak presumption) SFAS 71, ie when contractual
lebih dari 30 (tiga puluh) hari. payments are overdue for more than 30 (thirty)
days.
PSAK 71 mensyaratkan penyertaan informasi SFAS 71 requires inclusion of information about

tentang kejadian masa lalu, kondisi saat ini, dan past events, current conditions, and forecasts
perkiraan kondisi ekonomi masa depan. of future economic conditions. The estimates of
Perkiraan perubahan dalam kerugian kredit changes in expected credit losses should
yang diharapkan harus mencerminkan, dan reflect, and be directionally consistent with,
secara langsung konsisten dengan, perubahan changes in related observable data from period
dalam data terkait yang diobservasi dari periode to period. The calculation of ECL requires
ke periode. Perhitungan ECL ini membutuhkan estimation of forward-looking Probability of
estimasi forward-looking dari Probability of Default (PD), Loss Given Default (LGD), and
Default (PD), Loss Given Default (LGD), dan Exposure At Default (EAD).
Exposure At Default (EAD).
Cadangan kerugian penurunan nilai atas Allowance for impairment losses on murabahah
piutang murabahah receivables
Berdasarkan Interpretasi Standar Akuntansi In accordance with Interpretation of Financial

Keuangan No. 102, “Penurunan Nilai Piutang Accounting Standard No. 102, “Impairment of
Murabahah”, PSAK No. 71 tidak diterapkan Murabahah Receivables”, SFAS No. 71 is not
untuk penurunan nilai dari aset-aset yang applied to impairment of assets from sharia
berasal dari transaksi berbasis syariah. based transactions.
Pada setiap tanggal laporan posisi keuangan, At each date of the statement of financial
Perusahaan mengevaluasi apakah terdapat position, the Company assesses whether there
bukti obyektif bahwa piutang murabahah telah is objective evidence that murabahah
mengalami penurunan nilai. Piutang receivables are impaired. Murabahah
murabahah mengalami penurunan nilai jika receivables are impaired when objective
bukti obyektif menunjukkan bahwa peristiwa evidence demonstrates that loss event has
yang merugikan telah terjadi setelah occurred after the initial recognition and the loss
pengakuan awal dan peristiwa tersebut event has an impact on the future cash flows
berdampak pada arus kas masa datang yang that can be estimated reliably.
dapat diestimasi secara handal.
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Cadangan kerugian penurunan nilai atas Allowance for impairment losses on murabahah
piutang murabahah (lanjutan) receivables (continued)
Perusahaan mengevaluasi penurunan nilai The Company assessed the impairment of

piutang murabahah secara kolektif. Cadangan murabahah receivables on collective basis.
kerugian penurunan nilai atas piutang Calculation of allowance for impairment losses
murabahah yang dinilai secara kolektif dihitung of murabahah receivables are collectively
berdasarkan pengalaman kerugian historis. evaluated on the basis of historical loss
Pengalaman kerugian historis disesuaikan experience. Historical loss experience is
menggunakan dasar data yang dapat adjusted on the basis of current observable
diobservasi untuk mencerminkan efek dari data to reflect the effects of current conditions
kondisi saat ini terhadap Perusahaan. Piutang affecting the Company. Murabahah receivables
murabahah dikelompokkan berdasarkan are grouped on the basis of similar credit risk
karakteristik risiko kredit yang sama antara lain characteristics by considering, among others,
dengan mempertimbangkan tunggakan debitur. past due status of the debtors. The calculation
Perhitungan penurunan nilai ini membutuhkan of impairment losses requires estimation of
estimasi Probability of Default, Loss Given Probability of Default, Loss Given Default, and
Default, dan Exposure At Default. Exposure At Default.
f. Liabilitas keuangan f. Financial liabilities

Liabilitas keuangan diklasifikasikan sebagai Financial liabilities are classified as financial
liabilitas keuangan yang diukur pada biaya liabilities measured at amortized cost and
perolehan diamortisasi dan liabilitas keuangan financial liabilities measured at fair value
yang diukur pada nilai wajar melalui laba rugi. through profit or loss.
Perusahaan menentukan klasifikasi atas The Company determines the classification of

liabilitas keuangan pada saat pengakuan awal. its financial liabilities in initial recognition.
Pada saat pengakuan awal liabilitas keuangan Financial liabilities are recognized initially at fair
diukur pada nilai wajarnya. value.
Dalam hal liabilitas keuangan diukur pada biaya In the case of financial liabilities measured at
perolehan diamortisasi, pada awalnya diakui amortized cost, these are initially recorded at
pada nilai wajar dikurangi dengan biaya fair value less directly attributable transaction
transaksi yang dapat diatribusikan secara costs and are subsequently measured at
langsung dan selanjutnya diukur pada biaya amortized cost, using the effective interest rate
perolehan diamortisasi, menggunakan suku method unless the effect of discounting would
bunga efektif kecuali jika dampak diskonto tidak be immaterial, in which case they are stated at
material, maka dinyatakan pada biaya cost. The related interest expense is
perolehan. Beban bunga diakui dalam “Beban recognized within “Financing Costs” in the
Pendanaan” dalam laporan laba rugi dan statement of profit or loss and other
penghasilan komprehensif lain. Keuntungan comprehensive income. Gains or losses are
atau kerugian diakui sebagai laba rugi ketika recognized in the profit or loss when the
liabilitas keuangan tersebut dihentikan financial liabilities are derecognized as well as
pengakuannya dan melalui proses amortisasi. through the amortization process.
Liabilitas keuangan dihentikan pengakuannya A financial liability is derecognized when the

ketika kewajiban yang ditetapkan dalam kontrak obligation specified in the contract is discharged
ditunaikan atau dibatalkan atau kadaluwarsa. or cancelled or expired.
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g. Saling hapus instrumen keuangan g. Offsetting financial instruments
Aset keuangan dan liabilitas keuangan saling Financial assets and financial liabilities are
hapus dan nilai netonya dilaporkan dalam offset and the net amount are reported in the
laporan posisi keuangan jika, dan hanya jika, statements of financial position if, and only if,
terdapat hak yang berkekuatan hukum untuk there is currently enforceable legal right to
saling hapus atas jumlah yang diakui dan offset the recognized amounts and there is an
terdapat niat untuk menyelesaikan secara neto, intention to settle on a net basis, or to realize
atau untuk merealisasikan aset dan the assets and settle the liabilities
menyelesaikan liabilitas secara bersamaan. simultaneously.
Hal yang berkekuatan hukum harus tidak The legally enforceable right must not be,
kontinjen atas peristiwa di masa depan dan contingent on future events and must been
harus dapat dipaksakan di dalam situasi bisnis forceable in the normal course of business and
yang normal, peristiwa kegagalan atau in the event of default, insolvency or bankruptcy
kebangkrutan dari entitas atas seluruh pihak of the company or the counterparty.
lawan.
Pendapatan dan beban disajikan dalam jumlah Income and expenses are presented on a net
neto hanya jika diperkenankan oleh Standar basis only when permitted by the Financial
Akuntansi Keuangan. Accounting Standards.
h. Piutang pembiayaan konsumen, piutang h. Consumer financing receivables, capital
pembiayaan modal usaha, dan piutang sewa financing receivables, and finance lease
pembiayaan, piutang pembiayaan receivables, murabahah financing
murabahah dan cadangan kerugian receivables and allowance for impairment
penurunan nilai losses
Piutang pembiayaan konsumen, piutang Consumer financing receivables, capital
pembiayaan merupakan jumlah piutang setelah receivables are presented net of amounts
dikurangi dengan bagian yang dibiayai bank- financed by banks relating to the cooperation
bank sehubungan dengan transaksi kerjasama transactions in the form of joint financing,
pembiayaan bersama, pendapatan unearned consumer financing income and
pembiayaan konsumen yang belum diakui dan allowance for impairment losses.
cadangan kerugian penurunan nilai.
Berdasarkan perjanjian kerjasama pembiayaan Based on the consumer joint financing
bersama konsumen tanpa jaminan (without agreements (without recourse) and channeling,
recourse) dan penerusan pinjaman, the Company only presents the portion of the
Perusahaan hanya menyajikan porsi jumlah total installments receivable financing by the
angsuran piutang yang dibiayai Perusahaan Company (net approach). The consumer
(pendekatan neto). Pendapatan pembiayaan financing income is presented net of amounts
konsumen disajikan setelah dikurangi dengan of the banks’ rights on such income relating to
bagian yang merupakan hak bank-bank dalam the transactions.
rangka transaksi tersebut.
Untuk pembiayaan bersama konsumen dengan For consumer joint financing agreements (with
jaminan (with recourse), piutang pembiayaan recourse), consumer financing receivables
konsumen merupakan seluruh jumlah angsuran represent all consumers’ installments and the
dari pelanggan dan kredit yang disalurkan oleh total facilities financed by creditors are recorded
penyedia dana dicatat sebagai liabilitas as liability (gross approach).
(pendekatan bruto).
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penurunan nilai (lanjutan) losses (continued)
Pendapatan pembiayaan konsumen, Unearned income on consumer financing,

pembiayaan modal usaha dan sewa capital financing and finance lease which are
pembiayaan yang belum diakui, yang the excess of the aggregate installment
merupakan selisih antara jumlah keseluruhan payments to be received from the consumers
pembayaran angsuran yang akan diterima dari over the principal amount financed, is
konsumen dengan jumlah pokok pembiayaan recognized as income over the term of the
konsumen, diakui sebagai pendapatan sesuai respective agreement using the effective
dengan jangka waktu kontrak pembiayaan interest rate method.
konsumen berdasarkan tingkat suku bunga
efektif piutang pembiayaan konsumen.
Selisih neto antara pendapatan administrasi The net difference between the administration
yang diperoleh dari konsumen pada saat income earned from the consumer at the first
pertama kali perjanjian pembiayaan konsumen time the financing agreement is signed and
ditandatangani dan biaya-biaya yang timbul initial direct costs related to consumer financing
pertama kali yang terkait langsung dengan facility is deferred and presented as part of
kredit pembiayaan konsumen ditangguhkan “Consumer Financing Receivables, Capital
dan disajikan sebagai bagian dari “Piutang Financing Receivables, and Finance Lease
Pembiayaan Konsumen, Piutang Pembiayaan Receivables” in the statement of financial
Modal Usaha, dan Piutang Sewa Pembiayaan” position and recognized as an adjustment to the
pada laporan posisi keuangan dan diakui yield received throughout the consumer
sebagai penyesuaian atas imbal hasil selama financing period using effective interest rate
periode pembiayaan konsumen berdasarkan method and presented as a part of “Consumer
tingkat suku bunga efektif dan disajikan sebagai Financing Income - Net” in the statement of
bagian dari “Pendapatan Pembiayaan profit or loss and other comprehensive income
Konsumen - Neto” pada laporan laba rugi dan for the current year.
penghasilan komprehensif lain tahun berjalan.
Perusahaan mengevaluasi apakah terdapat The Company assesses whether there is any
bukti yang objektif bahwa aset keuangan objective evidence that a financial asset is
mengalami penurunan nilai seperti dijelaskan impaired as explained in Note 2e.
pada Catatan 2e.
Piutang yang tak tertagih dihapuskan Receivables are written-off when they are
berdasarkan evaluasi manajemen Perusahaan deemed to be uncollectible based on
dan pada umumnya setelah menunggak lebih Company’s management evaluation and
dari 210 (dua ratus sepuluh) hari. Penerimaan generally when they are overdue for more than
dari piutang yang telah dihapusbukukan diakui 210 (two hundred and ten) days. Collection of
sebagai pendapatan lain-lain pada saat receivables previously written-off is recognized
terjadinya. as other income at the time of occurrence.
Bunga yang dikenakan kepada pelanggan Total interest earned from customers is
dicatat sebagai bagian dari pendapatan recorded as part of consumer financing, capital
pembiayaan konsumen, modal usaha, dan financing, and finance lease income - net, while
sewa pembiayaan - neto, sedangkan bunga interest charged by the creditors is recorded as
yang dikenakan penyedia dana dicatat sebagai financing costs.
beban pendanaan.
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penurunan nilai (lanjutan) losses (continued)
Murabahah adalah akad jual beli barang Murabahah is goods sell-buy contract with a
dengan harga jual sebesar biaya perolehan sold price amounting to acquisition cost plus
ditambah keuntungan yang disepakati dan agreed margin and the Company must to
Perusahaan harus mengungkapkan biaya disclose the acquisition cost to customer.
perolehan barang tersebut kepada konsumen.
Pada saat akad murabahah, piutang When the murabahah contract is signed,
pembiayaan murabahah diakui sebesar biaya murabahah financing receivables are
perolehan ditambah keuntungan (margin). recognized as at acquisition cost plus agreed
margin.
Keuntungan murabahah diakui selama periode Murabahah margin are recognized over the
akad berdasarkan pengakuan margin dari period of the contract based on margin of the
piutang pembiayaan murabahah. murabahah financing receivables.
Akad murabahah secara substansi merupakan Substantially, murabahah contract is a

suatu pembiayaan, sehingga pengakuan financing, so that margin recognition is based
margin dilakukan berdasarkan standar yang on standards which regulate financing, as
mengatur pembiayaan, seperti yang disebutkan mentioned in consumer financing policy.
di kebijakan pembiayaan konsumen.
Pada setiap akhir periode laporan keuangan, At the end of each period of financial
piutang pembiayaan murabahah disajikan statements, murabahah financing receivables
sebesar nilai neto yang dapat direalisasi, yaitu are stated at net realizable value, consist of
saldo piutang murabahah dikurangi margin outstanding murabahah receivables less
yang ditangguhkan dan penyisihan kerugian unearned margin and allowance for impairment
penurunan nilai. losses.
i. Biaya dibayar dimuka i. Prepaid expenses
Biaya dibayar dimuka diamortisasi dan Prepaid expenses, are amortized and charged
dibebankan sesuai masa manfaat masing- to operations over the periods benefited.
masing biaya yang bersangkutan.
j. Aset tetap j. Property and equipment
Aset tetap pada awalnya dinyatakan sebesar Property and equipment are initially stated at
harga perolehan. Setelah pengukuran awal, acquisition cost. After initial measurement,
aset tetap diukur dengan model biaya. Aset property and equipment are measured using
tetap, kecuali tanah, dicatat pada harga the cost model. Property and equipment, except
perolehan dikurangi akumulasi penyusutan dan land, are carried at its cost less accumulated
rugi penurunan nilai. Biaya perolehan termasuk depreciation and impairment losses. Such
biaya penggantian bagian aset tetap saat biaya acquisition cost includes the cost of replacing
tersebut terjadi, jika memenuhi kriteria part of the property and equipment when that
pengakuan. Selanjutnya, pada saat inspeksi cost is incurred, if the recognition criterias are
yang signifikan dilakukan, biaya inspeksi itu met. Likewise, when a major inspection is
diakui ke dalam jumlah tercatat (carrying performed, its cost is recognized in the carrying
amount) aset tetap sebagai suatu penggantian amount of the property and equipment as a
jika memenuhi kriteria pengakuan. replacement if the recognition criterias are
satisfied.
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j. Aset tetap (lanjutan) j. Property and equipment (continued)
Semua biaya perbaikan dan pemeliharaan yang All other repairs and maintenance costs that do
tidak memenuhi kriteria pengakuan diakui not meet the recognition criterias are
sebagai laba rugi pada saat terjadinya. recognized in the profit or loss as incurred.
Penyusutan dihitung dengan menggunakan Depreciation is computed using the straight-line

metode garis lurus berdasarkan estimasi umur method over the estimated useful lives of the
manfaat ekonomis aset tetap sebagai berikut: asset as follows:
Tahun/ Persentase/
Year Percentage
Bangunan 10 10,00% Buildings
Renovasi kantor 4 - 10 10,00% - 25,00% Leasehold improvement
Kendaraan 4 25,00% Vehicles
Peralatan kantor 4 25,00% Office equipment
Perabot kantor 4 25,00% Office furniture and fixtures
Perangkat keras 4 25,00% Hardware
Peralatan dalam proses instalasi dinyatakan Equipment under installation is stated at cost
sebesar biaya perolehan dan disajikan sebagai and presented as part of the property and
bagian dari aset tetap. Akumulasi biaya equipment. The accumulated cost will be
perolehan akan dipindahkan ke masing-masing reclassified to the appropriate property and
akun aset tetap yang bersangkutan pada saat equipment account when the installation is
aset tersebut selesai dikerjakan dan siap substantially completed and the asset is ready
digunakan. for its intended use.
Apabila aset tetap dihentikan pengakuannya When assets are derecognized (retired or
(tidak dipergunakan lagi atau dijual), biaya otherwise disposed of), their costs and the
perolehan beserta akumulasi penyusutan yang related accumulated depreciation are removed
terkait dikeluarkan dari kelompok aset tetap from the accounts and any resulting gains or
yang bersangkutan dan keuntungan atau losses are recognized as profit or loss for the
kerugian yang timbul diakui sebagai laba atau current year.
rugi tahun berjalan.
Pada setiap akhir periode pelaporan estimasi At the reporting date the estimated useful lives,
umur manfaat ekonomis, metode penyusutan, depreciation method, and residual values are
dan nilai residu dikaji ulang. reviewed.
k. Aset hak-guna k. Right-of-use assets
PSAK 73 memperkenalkan model akuntansi SFAS 73 introduces a single lessee accounting

penyewa tunggal dan mensyaratkan penyewa model and requires a lessee to recognize
untuk mengakui aset dan liabilitas untuk semua assets and liabilities for all leases with the
sewa dengan pengecualian sewa jangka exemptions of short-term leases and the
pendek dan aset dengan nilai rendah. Penyewa underlying asset is of low value. A lessee is
diharuskan untuk mengakui aset hak-guna required to recognize a right-of-use asset
yang mewakili haknya untuk menggunakan representing its right to use the underlying
aset sewaan dan liabilitas sewa yang mewakili leased asset and a lease liability representing
kewajibannya untuk melakukan pembayaran its obligation to make lease payments. SFAS
sewa. PSAK 73 secara substansial masih 73 substantially carries forward the lessor
menggunakan persyaratan akuntansi atas accounting requirements in SFAS 30 Leases.
pesewa (lessor) sesuai PSAK 30 Sewa. Oleh Accordingly, a lessor continues to classify its
karena itu, pesewa masih akan menggunakan leases as operating leases or finance leases,
klasifikasi sewa dalam sewa operasi atau and to account for those two types of leases
pembiayaan, dan perlakuan atas kedua tipe differently.
sewa tersebut.
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k. Aset hak-guna (lanjutan) k. Right-of-use assets (continued)
Perusahaan mengakui liabilitas sewa, sebagai The Company recognized a lease liability,
pembayaran sewa yang tersisa termasuk atas being the remaining lease payments including
opsi perpanjangan dimana perpanjangan extensions options where renewal is
hampir dapat dipastikan, didiskontokan reasonably certain, discounted using the
menggunakan tingkat bunga pinjaman incremental borrowing rate at the date of initial
inkremental pada tanggal penerapan awal. Aset application. The corresponding right-of-use
hak-guna yang diakui adalah jumlah yang sama asset recognized was an amount equal to the
dengan liabilitas sewa, yang disesuaikan lease liability, adjusted by the amount of
dengan jumlah pembayaran sewa dibayar prepaid or accrued lease payments relating to
dimuka atau terutang terkait sewa tersebut. those leases.
Beban keuangan dicatat dalam laporan laba Finance expense is recorded in the statement
rugi. Aset sewa disusutkan selama jangka of profit or loss. Leased assets are depreciated
waktu yang lebih pendek antara umur manfaat over the shorter of the estimated useful life of
aset sewa dan periode masa sewa, jika tidak the assets and the lease term, if there is no
ada kepastian yang memadai bahwa reasonable certainty that the Company will
Perusahaan akan mendapatkan hak obtain ownership by the end of the lease term.
kepemilikan pada akhir masa sewa.
l. Aset tidak berwujud l. Intangible assets
Aset tidak berwujud terdiri atas perangkat Intangible assets consist of software.
lunak.
Aset tidak berwujud diakui jika, dan hanya jika, Intangible assets are recognized if, and only if
biaya perolehan aset tersebut dapat diukur when its cost can be measured reliably and it is
secara andal dan kemungkinan besar entitas probable that expected future benefits that are
anak akan memperoleh manfaat ekonomis attributable to it will flow to the entity.
masa depan dari aset tersebut.
Perangkat lunak Software
Perangkat lunak yang bukan merupakan bagian Software which is not an integral part of a
integral dari perangkat keras yang terkait related hardware is recorded as intangible
dicatat sebagai aset tidak berwujud dan assets and stated at carrying amount, which is
dinyatakan sebesar nilai tercatat, yaitu sebesar cost less accumulated amortization.
harga perolehan dikurangi dengan akumulasi
amortisasi.
Biaya perolehan perangkat lunak terdiri dari Cost of software consists of all expenses
seluruh pengeluaran yang dapat dikaitkan directly attributable to the preparation of such
langsung dalam persiapan perangkat lunak software cost and ready to be used for their
tersebut dan siap digunakan sesuai dengan intended purpose.
tujuannya.
Pengeluaran setelah perolehan perangkat Subsequent expenditure on software is

lunak dapat ditambahkan pada biaya perolehan capitalized as software only if those
perangkat lunak atau dikapitalisasi sebagai expenditure increases the future economic
perangkat lunak hanya jika pengeluaran benefits of the software, so that it becomes
tersebut menambah manfaat ekonomis masa larger than originally expected performance
depan dari perangkat lunak yang bersangkutan standards. Expenditure with no addition of
sehingga menjadi lebih besar dari standar future economic benefits from the software is
kinerja yang diperkirakan semula. Pengeluaran directly recognized as expenses when incurred.
yang tidak menambah manfaat ekonomis masa
depan dari perangkat lunak diakui sebagai
beban pada saat terjadinya.
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l. Aset tidak berwujud (lanjutan) l. Intangible assets (continued)
Perangkat lunak diamortisasi dengan Software is amortized by using straight-line

menggunakan metode garis lurus selama method over the estimated useful life of
estimasi umur manfaatnya, yaitu 10 (sepuluh) software, which is 10 (ten) years.
tahun.
Amortisasi perangkat lunak diakui dalam Amortization is recognized in the statement of

laporan laba rugi dan penghasilan profit or loss and other comprehensive income
komprehensif lain, sejak tanggal perangkat from the date those software is available for use
lunak tersebut tersedia untuk dipakai sampai until the economic benefits of software is
berakhirnya masa manfaat dari perangkat lunak ended.
tersebut.
Aset tidak berwujud dihentikan pengakuannya Intangible assets are derecognized on disposal
jika dilepas atau ketika tidak terdapat or when no future economic benefits are
lagi manfaat ekonomi masa depan expected from its use or disposal. The gain or
yang diharapkan dari penggunaan atau loss arising from the derecognition of an
pelepasannya. Keuntungan atau kerugian yang intangible assets are determined as the
muncul dari penghentian pengakuan aset tidak difference between the net disposal proceeds,
berwujud ditentukan sebagai selisih antara hasil if any, and the carrying amount of the asset.
neto pelepasan, jika ada, dan jumlah tercatat Gains and losses are recognized in profit or
aset. Keuntungan atau kerugian diakui dalam loss when the asset is derecognized.
laba rugi ketika aset tersebut dihentikan
pengakuannya.
m. Penurunan nilai aset non-keuangan m. Impairment of non-financial assets
Suatu aset mengalami penurunan nilai jika nilai Assets are considered as impaired when the
tercatat aset lebih besar daripada nilai yang carrying value of assets exceed the recoverable
dapat dipulihkan. Nilai tercatat dari aset non- amount. The carrying amount of non financial
keuangan, kecuali aset pajak tangguhan, biaya assets, except for deferred tax assets, prepaid
dibayar dimuka, dan uang muka ditelaah setiap expenses, and advances are reviewed each
periode, untuk menentukan apakah terdapat period to determine whether there is any
indikasi penurunan nilai. Jika terdapat indikasi indication of impairment. If any such indication
penurunan nilai, maka Perusahaan akan exists, the Company will estimate the assets
melakukan estimasi jumlah nilai yang dapat recoverability.
dipulihkan.
n. Biaya penerbitan emisi efek ekuitas dan n. Stock and bonds issuance costs
emisi obligasi
Biaya penerbitan efek ekuitas disajikan sebagai Stock issuance costs are presented as
pengurang modal disetor lainnya dalam bagian deduction from additional paid-in capital in the
ekuitas pada laporan posisi keuangan. equity section in the statement of financial
position.
Biaya-biaya yang terjadi sehubungan dengan Costs incurred relating to the bonds issuance
penerbitan obligasi dicatat sebagai pengurang are presented as deduction from the issuance
terhadap hasil penerbitan dan diamortisasi proceeds and amortized using the effective
dengan menggunakan suku bunga efektif interest rate over the term of the bonds
selama jangka waktu obligasi (Catatan 2f). (Note 2f).
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o. Provisi o. Provisions
Provisi diakui jika Perusahaan memiliki Provisions are recognized when the Company
kewajiban kini (baik bersifat hukum maupun has a present obligation (legal or constructive)
bersifat konstruktif) yang akibat peristiwa masa where, as a result of a past event, it is probable
lalu besar kemungkinannya penyelesaian that an outflow of resources embodying
kewajiban tersebut mengakibatkan arus keluar economic benefits will be required to settle the
sumber daya yang mengandung manfaat obligation and a reliable estimate can be made
ekonomi dan estimasi yang andal mengenai of the amount of the obligation.
jumlah kewajiban tersebut dapat dibuat.
Provisi ditelaah pada setiap akhir periode Provisions are reviewed at each reporting date
pelaporan dan disesuaikan untuk and adjusted to reflect the current best
mencerminkan estimasi kini terbaik. Jika tidak estimate. If it is no longer probable that an
terdapat kemungkinan arus keluar sumber daya outflow of resources embodying economic
yang mengandung manfaat ekonomi untuk benefits will be required to settle the obligation,
menyelesaikan kewajiban tersebut, provisi the provision is reversed.
dipulihkan.
p. Pengakuan pendapatan dan beban p. Revenue and expense recognition
Perusahaan mengakui pendapatan atas The Company recognizes revenue on

pembiayaan konsumen seperti yang dijelaskan consumer financing as explained in Note 2h
pada Catatan 2h di atas. above.
Pendapatan pembiayaan konsumen, The consumer financing income, capital

pembiayaan modal usaha dan sewa financing income and finance lease income are
pembiayaan dinyatakan sebesar pendapatan presented net of amounts of the banks’ portion
neto setelah dikurangi dengan bagian on such income relating to the cooperation
pendapatan milik bank-bank sehubungan transactions of joint financing.
dengan transaksi-transaksi kerjasama
pembiayaan bersama.
Pendapatan denda atas keterlambatan Penalty income arising from late payments of
pembayaran angsuran pembiayaan konsumen consumer financing installments is recognized
diakui pada saat realisasi. when realized.
Pelunasan sebelum masa pembiayaan Early termination is treated as cancellation of

konsumen berakhir dianggap sebagai suatu an existing agreement and the resulting gain or
pembatalan kontrak pembiayaan konsumen loss is recognized as profit or loss for the
dan laba atau rugi yang timbul, diakui sebagai current year.
laba rugi tahun berjalan.
Perusahaan berhak menentukan suku bunga The Company has the right to set higher
yang lebih tinggi ke konsumen daripada suku interest rates to customers than that stated by
bunga yang ditetapkan oleh bank-bank the banks for the cooperation transactions of
sehubungan dengan transaksi kerjasama joint financing. The difference is recognized as
pembiayaan bersama. Selisihnya merupakan revenue from such transactions and presented
pendapatan dari transaksi-transaksi tersebut as “Consumer Financing Income - Net” in the
bagi Perusahaan dan disajikan sebagai statement of profit or loss and other
“Pendapatan Pembiayaan Konsumen - Neto” comprehensive income for the current year.
pada laporan laba rugi dan penghasilan
komprehensif lain tahun berjalan.
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p. Pengakuan pendapatan dan beban p. Revenue and expense recognition

Pendapatan bunga merupakan pendapatan Interest represents income obtained by the

yang diperoleh Perusahaan atas penempatan Company from its placement of current account
giro dan deposito di bank yang diakui pada saat and time deposits in banks which is recognized
diperoleh atau saat terjadinya. when earned or incurred.
Pendapatan dan beban administrasi, kecuali Administration income and expenses, except
biaya-biaya/pendapatan yang timbul pertama for the initial direct costs/income relating to the
kali yang terkait langsung dengan kredit consumer financing as explained in Note 2h,
pembiayaan konsumen seperti dijelaskan pada are recognized when earned or incurred.
Catatan 2h, diakui pada saat diperoleh atau
terjadinya.
q. Transaksi dan saldo dalam mata uang asing q. Foreign currency transactions and balances
Transaksi dalam mata uang asing dicatat dalam Transactions involving foreign currencies are
Rupiah berdasarkan kurs yang berlaku pada recorded in Indonesian Rupiah at the rates of
saat transaksi dilakukan. Pada akhir periode exchange prevailing at the time the transactions
pelaporan aset dan liabilitas moneter dalam are made. At the reporting date, monetary
mata uang asing dijabarkan ke dalam Rupiah assets and liabilities denominated in foreign
berdasarkan rata-rata kurs jual dan kurs beli currencies are adjusted to Indonesian Rupiah
yang diterbitkan oleh Bank Indonesia yang to reflect the average of selling and buying
berlaku pada tanggal tersebut. Laba atau rugi exchange rate at such date as published by
kurs yang timbul dikreditkan atau dibebankan Bank Indonesia. Any resulting gains or losses
sebagai laba rugi tahun berjalan. are credited or charged to the profit or loss for
current year.
Pada tanggal 31 Desember 2021 dan 2020, As of December 31, 2021 and 2020, the
rata-rata kurs jual dan kurs beli yang diterbitkan average of selling and buying exchange rates
oleh Bank Indonesia yang digunakan masing- at such date as published by Bank Indonesia
masing sebesar Rp14.253 (dalam nilai penuh) used were Rp14,253 (in full amount) and
dan Rp14.050 (dalam nilai penuh) untuk ASD1 Rp14,050 (in full amount) to USD1 (in full
(dalam nilai penuh). amount), respectively.
r. Perpajakan r. Taxation
Perusahaan menerapkan PSAK 46 (Revisi The Company applied SFAS 46 (Revised

2014), “Pajak Penghasilan”, yang 2014), “Accounting for Income Tax”, which
mengharuskan Perusahaan untuk requires the Company to account for the current
memperhitungkan konsekuensi pajak kini dan and future tax consequences of the future
pajak masa depan atas pemulihan di masa recovery (settlement) of the carrying amount of
depan (penyelesaian) dari jumlah tercatat aset assets (liabilities) that are recognized in the
(liabilitas) yang diakui dalam laporan posisi statement of financial position and transactions
keuangan dan transaksi-transaksi serta and other events of the current year.
peristiwa lain yang terjadi dalam tahun berjalan.
Pajak Final Final Tax
Peraturan perpajakan di Indonesia mengatur Tax regulation in Indonesia determined that

beberapa jenis penghasilan dikenakan pajak certain taxable income is subject to final tax.
yang bersifat final. Pajak final yang dikenakan Final tax applied to the gross value of
atas nilai bruto transaksi tetap dikenakan transactions is applied even when the parties
walaupun atas transaksi tersebut pelaku carrying the transaction recognizing losses.
transaksi mengalami kerugian.
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r. Perpajakan (lanjutan) r. Taxation (continued)
Pajak Final (lanjutan) Final Tax (continued)
Mengacu pada revisi PSAK 46 yang disebutkan Referring to revised SFAS 46 as mentioned
di atas, pajak final tersebut tidak termasuk above, final tax is no longer governed by SFAS
dalam lingkup yang diatur oleh PSAK 46. Oleh 46. Therefore, the Company has decided to
karena itu, Perusahaan memutuskan untuk present all of the final tax arising from time
menyajikan beban pajak final sehubungan deposits and current account as separate line
dengan deposito dan giro sebagai pos item.
tersendiri.
Pajak Kini Current Tax
Beban pajak kini ditetapkan berdasarkan Current tax expense is provided based on the
taksiran penghasilan kena pajak tahun berjalan. estimated taxable income for the current year.
Aset dan liabilitas pajak tangguhan diakui atas Deferred tax assets and liabilities are
perbedaan temporer antara aset dan liabilitas recognized for temporary differences between
untuk tujuan komersial dan untuk tujuan commercial and tax bases of assets and
perpajakan setiap tanggal pelaporan. Manfaat liabilities at each reporting date. Future tax
pajak di masa mendatang, seperti nilai terbawa benefit, such as the carry-forward of unused tax
atas saldo rugi fiskal yang belum digunakan, losses, if any, is also recognized to the extent
jika ada, juga diakui sejauh realisasi atas that realization of such tax benefit is probable.
manfaat pajak tersebut dimungkinkan.
Pajak Tangguhan Deferred Tax

Aset dan liabilitas pajak tangguhan diukur pada Deferred tax assets and liabilities are measured
tarif pajak yang diharapkan akan digunakan at the tax rates that are expected to apply to the
pada periode ketika aset direalisasi atau ketika period when the assets are realized or the
liabilitas dilunasi berdasarkan tarif pajak (dan liabilities are settled, based on the applicable
peraturan perpajakan) yang berlaku atau tax rates (and tax laws) that have been enacted
secara substansial telah diberlakukan pada or substantively enacted at the statement of
tanggal laporan posisi keuangan. financial position date.
Perubahan nilai tercatat aset dan liabilitas pajak Changes in the carrying amount of deferred tax
tangguhan yang disebabkan oleh perubahan assets and liabilities due to a change in tax
tarif pajak dibebankan pada periode operasi rates is charged to current period operations,
berjalan, kecuali untuk transaksi-transaksi yang except to the extent that it relates to items
sebelumnya telah langsung dibebankan atau previously charged or credited to equity.
dikreditkan ke ekuitas.
Perubahan terhadap kewajiban perpajakan Amendments to tax obligations are recorded

diakui pada saat penetapan pajak diterima atau when an assessment is received or, if appealed
jika Perusahaan mengajukan keberatan, pada against by the Company, when the result of the
saat keputusan atas keberatan telah appeal is determined.
ditetapkan.
s. Segmen operasi s. Operating segment
Segmen adalah bagian khusus dari A segment is a distinguishable component of

Perusahaan yang terlibat baik menyediakan the Company that is engaged either in providing
produk dan jasa (segmen usaha), maupun certain products and services within a particular
dalam menyediakan produk dan jasa dalam economic environment (geographical
lingkungan ekonomi tertentu (segmen segment), which is subject to risks and reward
geografis), yang memiliki risiko dan imbalan that are different from those of other segments.
yang berbeda dari segmen lainnya.
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s. Segmen operasi (lanjutan) s. Operating segment (continued)
Jumlah setiap unsur segmen dilaporkan The amount of each segment item reported is
merupakan ukuran yang dilaporkan kepada the measure reported to the chief operation
pengambil keputusan operasional (Direktur) decision maker (Directors) for the purposes of
untuk tujuan pengambilan keputusan untuk making decisions about allocating resources to
mengalokasikan sumber daya kepada segmen the segment and assessing its performance.
dan menilai kinerjanya.
Pendapatan, beban, hasil, aset dan liabilitas Segment revenue, expenses, result, assets and
segmen termasuk item-item yang dapat liabilities include items directly attributable to a
diatribusikan langsung kepada suatu segmen segment as well as those that can be allocated
serta hal-hal yang dapat dialokasikan dengan on a reasonable basis to that segment.
dasar yang sesuai kepada segmen tersebut.
Informasi keuangan dilaporkan berdasarkan Financial information is reported based on the

informasi yang digunakan oleh manajemen information used by management in evaluating
dalam mengevaluasi kinerja setiap segmen dan the performance of each segment and
menentukan pengalokasian sumber daya. determining the allocation of resources. In this
Sehubungan dengan ini, segmen operasi dalam respect, the business operating segment in the
laporan keuangan disajikan berdasarkan financial statements are presented based on
pengklasifikasian umum atas daerah general classification of marketing areas as
pemasaran sebagai segmen geografis. Rincian geographical segments. The details of
segmen operasi tersebut diungkapkan dalam operating segment are disclosed in Note 40.
Catatan 40.
t. Laba per saham dasar t. Basic earnings per share
Laba per saham dasar dihitung dengan Basic earnings per share is computed by
membagi laba tahun berjalan dengan jumlah dividing income for the year with the weighted
rata-rata tertimbang saham yang beredar pada average number of shares outstanding during
tahun yang bersangkutan yaitu sejumlah the year, which is 3,481,481,480 (in full
3.481.481.480 (dalam nilai penuh) saham untuk amount) shares or each of the year then ended
tahun yang berakhir pada tanggal-tanggal December 31, 2021 and 2020, respectively
31 Desember 2021 dan 2020 (tidak diaudit). (unaudited).
u. Dividen u. Dividends
Pembagian dividen kepada pemegang saham Dividend distribution to the Company’s

Perusahaan diakui sebagai suatu liabilitas shareholders is recognized as a liability in the
dalam laporan keuangan pada periode ketika financial statements in the period in which the
dividen tersebut diumumkan dan disetujui oleh dividends are declared and approved by the
para pemegang saham Perusahaan. Company’s shareholders.
v. Liabilitas imbalan kerja v. Liability for employee benefits
Perusahaan menerapkan PSAK 24 (Revisi The Company adopted SFAS 24 (Revised

2013), “Imbalan Kerja”, yang mengatur 2013), “Employee Benefits”, which regulates
perlakuan akuntansi dan pengungkapan atas accounting treatment and disclosure employee
imbalan kerja, untuk jangka pendek dan jangka benefits, for both short-term and long-term
panjang. employee benefits.
Perusahaan mengakui seluruh imbalan kerja The Company recognizes employee benefits
yang diberikan melalui program atau perjanjian under formal and informal programs or
formal dan informal, peraturan perundang- agreements, under legislative requirements or
undangan atau peraturan industri, yang through industry arrangements, including
mencakup imbalan kerja dan pesangon employee benefits and termination benefits.
pemutusan hubungan kerja.
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v. Liabilitas imbalan kerja v. Liability for employee benefits
Perusahaan mencatat penyisihan manfaat The Company made provisions in order to meet
untuk memenuhi imbalan minimum yang harus the minimum benefits required to be paid to the
dibayar kepada karyawan-karyawan sesuai qualified employees under Company’s
dengan Undang-undang Cipta Kerja No. 11 regulation and Job Creation No. 11 year 2020
tahun 2020 tanggal 2 November 2020 dated November 2, 2020 (“The Job Creation
(“Undang-undang Cipta Kerja”) (2020 : Undang- Law”) (2020 : Labor Law No. 13/2003). The said
undang Tenaga Kerja No. 13/2003). Penyisihan provisions are estimated using actuarial
tersebut diestimasi dengan menggunakan calculations using the “Projected Unit Credit”
perhitungan aktuarial metode “Projected Unit method.
Credit”.
Perkiraan liabilitas pada tanggal laporan posisi The estimated liabilities as of the statement of
keuangan merupakan nilai kini imbalan pasti financial position date represents the present
pada tanggal laporan posisi keuangan dikurangi value of the defined benefit obligation as of the
nilai wajar aset program. statement of financial position date less the fair
value of plan assets.
Biaya imbalan kerja yang diakui selama tahun The employee benefits expense recognized
berjalan terdiri dari biaya jasa dalam laba rugi, during the current year consists of service cost
bunga neto atas liabilitas imbalan pasti neto in profit and loss, net interest on the net defined
dalam laba rugi dan pengukuran kembali benefit liability in profit and loss and
liabilitas imbalan pasti neto dalam penghasilan remeasurement of the net defined benefit
komprehensif lain. liabilities in other comprehensive income.
Pengukuran kembali liabilitas imbalan kerja Remeasurements of the net defined benefit
terdiri atas: liability consists of:
1. Keuntungan dan kerugian aktuarial. 1. Actuarial gains and losses.
2. Imbal hasil atas aset program, tidak 2. Return on plan assets, excluding amount
termasuk jumlah yang dimasukkan dalam included in net interest on the net defined
bunga neto atas liabilitas imbalan pasti benefit liability.
neto.
3. Setiap perubahan dampak batas atas aset, 3. Any change in effect of the asset ceiling,
tidak termasuk jumlah yang dimasukkan excluding amount including in net interest on
dalam bunga neto atas liabilitas imbalan the net defined benefit liability.
pasti neto.
Pengukuran kembali atas liabilitas (aset) Remeasurement of net defined benefit liabilities
imbalan pasti neto, yang diakui sebagai (assets), which is recognized as other
penghasilan komprehensif lain tidak comprehensive income are not reclassified to
direklasifikasi ke laba rugi pada periode profit or loss in subsequent periods.
berikutnya.
Perusahaan telah memiliki program pensiun The Company has a pension program for
untuk kompensasi pesangon yang mana severance compensation where the Company
Perusahaan membayar iuran ke Dana Pensiun pays contributions to a financial institution
Lembaga Keuangan (DPLK) yang dihitung pension plan (DPLK) which is calculated at a
berdasarkan jumlah tertentu dari penghasilan certain amount of fixed income of employees
tetap yang diterima karyawan yang sudah who meet the Company’s criteria.
memenuhi kriteria yang ditetapkan
Perusahaan.
41
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v. Liabilitas imbalan kerja (lanjutan) v. Liability for employee benefits (continued)
Perusahaan memberikan imbalan kerja jangka The Company provides other long-term
panjang lainnya berupa penghargaan masa employee benefits in the form of long service
kerja yang ditentukan sesuai dengan Peraturan award which is determined in compliance with
Perusahaan. Perkiraan beban imbalan ini the Company’s Regulation. The expected costs
dihitung dan diakui sepanjang masa kerja of these benefits are calculated and recognized
karyawan dengan menggunakan metode yang over the year of employment, using a method
diterapkan dalam menghitung liabilitas imbalan which is applied in calculating liability for
kerja. Liabilitas ini dihitung minimum satu tahun employee benefits. These liabilities are
sekali oleh aktuaris independen. Imbalan kerja calculated minimum once a year by an
jangka panjang lainnya yang telah menjadi hak independent actuary. Other long-term
karyawan diakui segera sebagai beban dalam employment benefits that are vested, are
laporan laba rugi. recognized as expense immediately in the
statement of profit or loss.
w. Perubahan kebijakan akuntansi dan w. Change in accounting policies and
pengungkapan disclosures
Perusahaan telah menerapkan PSAK yang The Company adopted SFAS which effective on
berlaku efektif pada tanggal 1 Januari 2021 January 1, 2021 which is considered relevant to
yang dianggap relevan terhadap laporan the financial statements as follows:
keuangan sebagai berikut:
 Amendemen PSAK 71: “Instrumen  Amendments to SFAS 71: “Financial
Keuangan”, Amendemen PSAK 55: Instruments”, Amendments to SFAS 55:
“Instrumen Keuangan: Pengakuan dan “Financial Instruments: Recognition and
Pengukuran”, Amendemen PSAK 60: Measurement”, Amendments to SFAS 60:
“Instrumen Keuangan: Pengungkapan”, dan “Financial Instruments: Disclosures”, and
Amendemen PSAK 73: “Sewa tentang Amendments to SFAS 73: “Leases on
Reformasi Acuan Suku Bunga - Tahap 2”. Interest Rate Benchmark Reform - Stage
2”.
Implementasi dari standar-standar tersebut The implementation of the above standards had
tidak memiliki dampak yang signifikan terhadap no significant effect on the amounts reported for
jumlah yang dilaporkan di periode berjalan atau the current period or prior financial years.
tahun sebelumnya.
3. SUMBER ESTIMASI KETIDAKPASTIAN 3. SOURCE OF ESTIMATION UNCERTAINTY
Pertimbangan Judgements
Penyusunan laporan keuangan sesuai dengan The preparation of financial statements, in

Standar Akuntansi Keuangan di Indonesia conformity with Financial Accounting Standards in
mewajibkan manajemen untuk membuat estimasi Indonesia requires management to make
dan asumsi yang mempengaruhi jumlah-jumlah estimations and assumptions that affect amounts
yang dilaporkan dalam laporan keuangan. reported therein. Uncertainty about these
Ketidakpastian mengenai asumsi dan estimasi assumptions and estimation could result material
tersebut dapat mengakibatkan penyesuaian adjustments to the carrying amount of assets and
material terhadap nilai tercatat aset dan liabilitas liabilities within the next financial reporting period.
dalam periode pelaporan berikutnya.
Pertimbangan berikut ini dibuat oleh manajemen The following judgements are made by
dalam rangka penerapan kebijakan akuntansi management in the process of applying the
Perusahaan yang memiliki pengaruh paling Company’s accounting policies that have the most
signifikan atas jumlah yang diakui dalam laporan significant effects on the amounts recognized in the
keuangan: financial statements:
42
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Pertimbangan (lanjutan) Judgements (continued)
Usaha yang berkelanjutan Going concern
Manajemen Perusahaan telah melakukan penilaian The Company’s management has made an
atas kemampuan Perusahaan untuk melanjutkan assessment of the Company’s ability to continue as
kelangsungan usahanya dan berkeyakinan bahwa a going concern and is satisfied that the Company
Perusahaan memiliki sumber daya untuk has the resources to continue in business for the
melanjutkan usahanya di masa mendatang. Selain foreseeable future. Furthermore, the management
itu, manajemen tidak mengetahui adanya is not aware of any material uncertainties that may
ketidakpastian material yang dapat menimbulkan cast significant doubt upon the Company’s ability to
keraguan yang signifikan terhadap kemampuan continue as a going concern. Therefore, the
Perusahaan untuk melanjutkan kelangsungan financial statements continue to be prepared on the
usahanya. Oleh karena itu, laporan keuangan telah going concern basis.
disusun atas dasar usaha yang berkelanjutan.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and financial
liabilities
Perusahaan menetapkan klasifikasi atas aset dan The Company determines the classifications of
liabilitas tertentu sebagai aset keuangan dan certain assets and liabilities as financial assets and
liabilitas keuangan dengan mempertimbangkan financial liabilities by judging if they meet the
apakah definisi yang ditetapkan PSAK 71 dipenuhi. definition set forth in SFAS 71. Accordingly, the
Dengan demikian, aset keuangan dan liabilitas financial assets and financial liabilities are
keuangan diakui sesuai dengan kebijakan akuntansi accounted for in accordance with the Company’s
Perusahaan seperti diungkapkan pada Catatan 2. accounting policies disclosed in Note 2.
Nilai wajar instrumen keuangan Fair value of financial instruments
Bila nilai wajar aset keuangan dan liabilitas When the fair values of financial assets and financial
keuangan yang tercatat pada laporan posisi liabilities recorded on the statement of financial
keuangan tidak tersedia di pasar aktif, nilainya position cannot be derived from active markets, they
ditentukan dengan menggunakan berbagai teknik are determined using a variety of valuation
penilaian termasuk penggunaan model matematika. techniques that include the use of mathematical
Masukan (input) untuk model ini berasal dari data models. The inputs to these models are derived from
pasar yang bisa diamati sepanjang data tersebut observable market data where possible, but when
tersedia, bila data pasar yang bisa diamati tersebut observable market data are not available,
tidak tersedia, pertimbangan manajemen diperlukan management judgement is required to establish fair
untuk menentukan nilai wajar. Pertimbangan values. The management judgements include
manajemen tersebut mencakup pertimbangan considerations of liquidity and model inputs such as
likuiditas dan masukan model seperti volatilitas volatility for long-term derivatives and discount
untuk transaksi derivatif yang berjangka waktu rates, early payment rates, and default rate
panjang dan tingkat diskonto, tingkat pelunasan assumptions.
dipercepat, dan asumsi tingkat gagal bayar.
Estimasi dan asumsi Estimates and assumptions
Asumsi utama masa depan dan sumber utama The key assumptions concerning the future and
estimasi ketidakpastian lain pada akhir periode other key sources of estimation uncertainty at the
pelaporan yang memiliki risiko signifikan bagi reporting date that have a significant risk of causing
penyesuaian yang material terhadap nilai tercatat a material adjustment to the carrying amounts of
aset dan liabilitas untuk periode pelaporan assets and liabilities within the next financial
keuangan berikutnya, diungkapkan di bawah ini. reporting period are disclosed below. The Company
Perusahaan mendasarkan asumsi dan estimasi based its assumptions and estimates on parameters
pada parameter yang tersedia pada saat laporan which are available when the financial statements
keuangan disusun. were prepared.
43
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Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Asumsi dan situasi mengenai perkembangan masa Existing assumptions and circumstances about
depan mungkin berubah akibat perubahan pasar future development, may change due to market
atau situasi diluar kendali Perusahaan. Perubahan changes or circumstances arising beyond the
tersebut dicerminkan dalam asumsi terkait pada control of the Company. Such changes are reflected
saat terjadinya. in the assumptions as they occur.
Cadangan kerugian penurunan nilai atas aset Allowance for impairment losses on financial assets
keuangan
Evaluasi atas cadangan kerugian penurunan nilai Allowance for impairment losses on financial assets
atas aset keuangan yang dicatat pada biaya carried at amortized cost are evaluated as
perolehan diamortisasi dijelaskan pada Catatan 2e explained in Notes 2e and 2h.
dan 2h.
Evaluasi cadangan kerugian penurunan nilai secara Allowance for impairment losses collectively
kolektif mencakup kerugian kredit yang melekat assessed includes inherent credit losses in
pada portofolio piutang pembiayaan konsumen, consumer financing receivables, capital financing
piutang pembiayaan modal usaha, dan piutang receivables, and finance lease receivables
sewa pembiayaan dengan karakteristik risiko kredit portfolios with similar credit risk characteristics
yang sejenis ketika terdapat bukti objektif bahwa when objective evidence of impairment exist for
telah terjadi penurunan nilai piutang dalam portofolio those portfolios. In assessing the need for collective
tersebut. Dalam menentukan perlunya untuk allowances for impairment losses, management
membentuk cadangan kerugian penurunan nilai considers factors such as credit quality, portfolio
secara kolektif, manajemen mempertimbangkan size, credit concentrations and economic factors.
faktor-faktor seperti kualitas kredit, besarnya
portofolio, konsentrasi kredit dan faktor-faktor
ekonomi.
Dalam mengestimasi cadangan yang dibutuhkan, In order to estimate the required allowance,
asumsi-asumsi dibuat untuk menentukan model assumptions are made to define the way inherent
kerugian bawaan dan untuk menentukan parameter losses are modeled and to determine the required
input yang diperlukan, berdasarkan pengalaman input parameters, based on historical experience
historis dan keadaan ekonomi saat ini. Ketepatan and current economic conditions. The accuracy of
dari cadangan ini bergantung pada asumsi model the allowances depends on the model assumptions
dan parameter yang digunakan dalam penentuan and parameters used in determining collective
cadangan kolektif. allowances.
Metodologi dan asumsi yang digunakan dalam The methodology and assumptions used for
mengestimasi cadangan penurunan nilai dikaji ulang estimating the allowance for impairment losses are
secara berkala untuk mengurangi selisih antara reviewed regularly to reduces any differences
estimasi kerugian dengan kerugian aktual yang between loss estimate and actual loss experience.
dialami.
Liabilitas imbalan kerja Liability for employee benefits
Penentuan liabilitas imbalan kerja Perusahaan The determination of the Company’s liability for
bergantung pada pemilihan asumsi yang digunakan employee benefits is dependent on its selection of
oleh aktuaris independen dalam menghitung jumlah- certain assumptions used by the independent
jumlah tersebut. Asumsi tersebut termasuk antara actuaries in calculating such accounts. Those
lain, tingkat diskonto, tingkat kenaikan gaji tahunan, assumptions include among others, discount rates,
tingkat pengunduran diri karyawan tahunan, tingkat annual salary increase rate, annual employee turn-
kecacatan, umur pensiun, dan tingkat kematian. over rate, disability rate, retirement age, and
mortality rate.
44
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Liabilitas imbalan kerja (lanjutan) Liability for employee benefits (continued)
Walaupun Perusahaan berkeyakinan bahwa asumsi While the Company believes that its assumptions
tersebut adalah wajar dan sesuai, perbedaan are reasonable and appropriate, significant
signifikan pada hasil aktual atau perubahan differences in the Company’s actual results or
signifikan dalam asumsi yang ditetapkan significant changes in the Company’s assumptions
Perusahaan dapat mempengaruhi secara material may materially affect its estimated liability for
liabilitas imbalan kerja dan beban imbalan kerja employee benefits and net employee benefits
neto. Nilai tercatat atas estimasi liabilitas imbalan expense. The carrying amounts of the Company’s
kerja Perusahaan pada tanggal 31 Desember 2021 estimated liability for employee benefits as of
dan 2020 adalah masing-masing sebesar December 31, 2021 and 2020 are Rp100,244 and
Rp100.244 dan Rp126.636. Penjelasan lebih rinci Rp126,636, respectively. Further details are
diungkapkan dalam Catatan 33. discussed in Note 33.
Penyusutan aset tetap dan aset tidak berwujud Depreciation of property and equipment and
intangible assets
Biaya perolehan aset tetap dan aset tidak berwujud The costs of property and equipment and intangible
disusutkan dengan menggunakan metode garis assets are depreciated on a straight-line method
lurus berdasarkan estimasi masa manfaat over their estimated useful lives. Management
ekonomisnya. Manajemen mengestimasi masa properly estimates the useful lives of these property
manfaat ekonomis aset tetap dan aset tidak and equipment and intangible assets ranging from
berwujud antara 4 (empat) sampai dengan 10 4 (four) to 10 (ten) years. These are common life
(sepuluh) tahun. Ini adalah umur yang secara umum expectancies applied in the industries where the
diharapkan dalam industri dimana Perusahaan Company conducts its businesses. Changes in the
menjalankan bisnisnya. Perubahan tingkat expected level of usage and technological
pemakaian dan perkembangan teknologi dapat development could impact the economic useful lives
mempengaruhi masa manfaat ekonomis dan nilai and the residual values of these assets, and
sisa aset, dan karenanya biaya penyusutan masa therefore future depreciation charges could be
depan mungkin direvisi. Nilai tercatat neto atas aset revised. The net carrying amount of the Company’s
tetap Perusahaan pada tanggal 31 Desember 2021 property and equipment as of December 31, 2021
dan 2020 adalah masing-masing sebesar Rp73.654 and 2020 are Rp73,654 and Rp84,791, respectively.
dan Rp84.791. Sedangkan nilai tercatat neto atas Meanwhile net carrying amount of the Company’s
aset tidak berwujud Perusahaan pada tanggal 31 intangible assets as of December 31, 2021 and
Desember 2021 dan 2020 adalah masing-masing 2020 are Rp32,352 and Rp32,579, respectively.
sebesar Rp32.352 dan Rp32.579. Penjelasan lebih Further details are disclosed in Notes 10 and 12.
rinci diungkapkan dalam Catatan 10 dan 12.
Perpajakan Taxation
Pertimbangan signifikan dilakukan dalam Significant judgement is involved in determining the

menentukan penyisihan atas pajak Perusahaan. provision for tax. The Company provides tax
Perusahaan menentukan penyisihan atas pajak provision based on estimates whether the additional
penghasilan badan berdasarkan estimasi atas taxes will be due.
kemungkinan adanya tambahan beban pajak.
Jika hasil akhir dari hal ini berbeda dengan jumlah Where the final tax outcome of these matters is
yang dicatat semula, maka perbedaan tersebut akan different from the amounts that were initially
berdampak pada laba rugi. Perusahaan mengakui recorded, such differences will impact the profit and
liabilitas atas pajak penghasilan badan berdasarkan loss. The Company recognizes liabilities for
estimasi penghasilan kena pajak badan. expected corporate income tax issues based on
estimates of corporate taxable income.
45
.01 .02 .03 .04



Pajak tangguhan Deferred tax
Aset pajak tangguhan diakui atas jumlah pajak Deferred tax assets are recognized for the future
penghasilan terpulihkan (recoverable) pada periode recoverable taxable income arising from temporary
mendatang sebagai akibat perbedaan temporer difference.
yang boleh dikurangkan.
Justifikasi manajemen diperlukan untuk Management judgement is required to determine

menentukan jumlah aset pajak tangguhan yang the amount of deferred tax assets that can be
dapat diakui, sesuai dengan waktu yang tepat dan recognized, based upon the likely timing on level of
tingkat laba fiskal di masa mendatang sejalan future taxable profits together with future strategic
dengan strategi rencana perpajakan ke depan. tax planning.
4. KAS DAN SETARA KAS 4. CASH AND CASH EQUIVALENTS

31 Desember/December 31,
2021 2020
Kas 9.990 9.471 Cash on Hand
Bank Cash in Banks

Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 50.525 57.850 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 10.956 13.627 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 10.897 9.980 PT Bank Mandiri (Persero) Tbk
PT Bank Pan Indonesia Tbk 7.818 6.904 PT Bank Pan Indonesia Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 6.356 4.816 (Persero) Tbk
PT Bank Permata Tbk 1.711 41 PT Bank Permata Tbk
Lain-lain (masing-masing
dibawah Rp500) 421 1.051 Others (each below Rp500)
Subtotal 88.684 94.269 Subtotal
46
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4. KAS DAN SETARA KAS (lanjutan) 4. CASH AND CASH EQUIVALENTS (continued)
2021 2020
Pihak berelasi (Catatan 32) Related party (Note 32)

Rupiah Rupiah
PT Bank Maybank Indonesia Tbk 351.322 487.298 PT Bank Maybank Indonesia Tbk
Total Bank 440.006 581.567 Total Cash in Banks
Cadangan kerugian penurunan nilai Allowance for impairment losses

Pihak ketiga (170) (205) Third parties
Pihak berelasi (1.074) (1.292) Related party
Total cadangan kerugian penurunan nilai (1.244) (1.497) Total allowance for impairment losses
Total Bank - neto 438.762 580.070 Total Cash in Banks - net
Setara Kas - Deposito Berjangka Cash Equivalents - Time Deposits

Rupiah Rupiah
PT Bank Maybank Indonesia Tbk - 45.000 PT Bank Maybank Indonesia Tbk
Cadangan kerugian penurunan nilai - (21) Allowance for impairment losses
Total Setara Kas - Total Cash Equivalents -

Deposito Berjangka - neto - 44.979 Time Deposits - net
Total 448.752 634.520 Total

Years ended December 31,
2021 2020
Kisaran margin atas Ranging of margin

deposito berjangka - Rupiah 2,50% 4,25% - 4,50% of time deposits - Rupiah
Total bank dan setara kas berdasarkan kolektibilitas Total cash in banks and cash equivalents based on
adalah sebagai berikut: collectibility are as follows:
Klasifikasi 2021 2020 Classification
Lancar 440.006 626.567 Current
Total Cash in Banks and

Total Bank dan Setara Kas 440.006 626.567 Cash Equivalents
47
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Analisis atas perubahan dalam nilai tercatat bruto dan An analysis of change in the gross carrying amount
cadangan atas kerugian kredit ekspektasian terkait and the corresponding expected credit loss
bank dan setara kas adalah sebagai berikut: allowances of cash in banks and cash equivalents
are as follows:
31 Desember/
December 31, 2021
Total/
Stage 1 Stage 2 Stage 3 Total
Beginning gross
Nilai tercatat bruto awal 626.567 - - 626.567 carrying amount
Perubahan neto (147.839) - - (147.839) Net change
Aset baru 7.394 - - 7.394 New assets originated
Aset dihentikan
pengakuannya
(selain karena Assets derecognized
penghapusbukuan) (46.116) - - (46.116) (other than write-off)
Nilai tercatat bruto Ending gross carrying
akhir 440.006 - - 440.006 amount
31 Desember/
December 31, 2021
Total/
Saldo awal 1.518 - - 1.518 Beginning balance

Perubahan neto (249) - - (249) Net change
Aset baru 1 - - 1 New assets originated
Aset dihentikan
pengakuannya
penghapusbukuan) (26) - - (26) (other than write-off)
Cadangan atas
kerugian kredit Ending expected
ekspektasian akhir 1.244 - - 1.244 credit loss allowances
31 Desember/
December 31, 2020
Total/
Beginning gross
Aset dihentikan
pengakuannya
akhir 626.567 - - 626.567 amount
48
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Analisis atas perubahan dalam nilai tercatat bruto dan An analysis of change in the gross carrying amount
cadangan atas kerugian kredit ekspektasian terkait and the corresponding expected credit loss
bank dan setara kas adalah sebagai berikut: allowances of cash in banks and cash equivalents
(lanjutan) are as follows: (continued)
31 Desember/
December 31, 2020
Total/
Saldo awal - - - - Beginning balance

Dampak penerapan
awal PSAK 71 Impact of SFAS 71
(Catatan 41) - - - 1.550 implementation (Note 41)
Cadangan atas
kerugian kredit Beginning expected
ekspektasian awal 1.550 - - 1.550 credit loss allowances
Aset dihentikan
pengakuannya
Cadangan atas
ekspektasian akhir 1.518 - - 1.518 credit loss allowances
Manajemen berkeyakinan bahwa jumlah cadangan Management believes that the allowance for
kerugian penurunan nilai atas kas dan setara kas impairment losses on cash in bank and cash
telah memadai. equivalents is adequate.
Tingkat suku bunga setahun untuk kas di bank Interest rates per annum for cash in banks ranged
berkisar 0,25% - 2,50% dan 2,00% - 5,00% untuk from 0.25% - 2.50% and 2.00% - 5.00% for the years
tahun yang berakhir pada tanggal-tanggal ended December 31, 2021 and 2020, respectively.
31 Desember 2021 dan 2020.
Lihat Catatan 32 untuk rincian transaksi dan saldo Refer to Note 32 for details of transactions and
dengan pihak-pihak berelasi. balances with related parties.
Jangka waktu deposito berjangka adalah 1 (satu) The term of time deposits is 1 (one) month and 3
bulan dan 3 (tiga) bulan. (three) months.
Pada tanggal 31 Desember 2020, deposito berjangka As of December 31, 2020, time deposits are not
tidak digunakan sebagai jaminan atas utang dan tidak used as collateral for loans nor restricted.
dibatasi penggunaannya.
Informasi mengenai klasifikasi dan nilai wajar kas dan Information with respect to the classification and fair
setara kas diungkapkan pada Catatan 35. value of cash and cash equivalents is disclosed in
Note 35.
49
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5. PIUTANG PEMBIAYAAN KONSUMEN 5. CONSUMER FINANCING RECEIVABLES

2021 2020

Rupiah Rupiah
Piutang pembiayaan Consumer financing
konsumen - bruto 5.383.998 5.560.600 receivables - gross
Dikurangi bagian yang
dibiayai bank sehubungan Less amounts financed by banks
dengan transaksi kerjasama relating to the joint financing
pembiayaan bersama cooperation transactions
(Catatan 31 dan 32) (754) (53.765) (Notes 31 and 32)
Subtotal 5.383.244 5.506.835 Subtotal
Pendapatan pembiayaan Unearned consumer financing

konsumen yang belum diakui (1.176.759) (1.052.296) income
Piutang pembiayaan konsumen 4.206.485 4.454.539 Consumer financing receivables
Cadangan kerugian penurunan nilai (155.118) (174.419) Allowance for impairment losses
Piutang Pembiayaan Consumer Financing

Konsumen - neto 4.051.367 4.280.120 Receivables - net

2021 2020
Tingkat suku bunga efektif rata-rata Average effective annual interest

tahunan - Rupiah 32,62% 31,37% rates - Rupiah
Analisis atas perubahan dalam nilai tercatat bruto An analysis of change in the gross carrying amount
dan cadangan atas kerugian kredit ekspektasian and the corresponding expected credit loss
terkait piutang pembiayaan konsumen adalah allowances of consumer financing receivables are
31 Desember/
December 31, 2021
Total/
Beginning gross
Nilai tercatat bruto awal 4.118.928 205.931 129.680 4.454.539 carrying amount
Transfer ke stage 1 19.579 (18.392) (1.187) - Transfer to stage 1
Transfer ke stage 2 (134.376) 135.838 (1.462) - Transfer to stage 2
Transfer ke stage 3 (112.461) (67.636) 180.097 - Transfer to stage 3
Perubahan neto (1.073.920) (81.706) (26.208) (1.181.834) Net change
Aset baru 2.901.290 27.275 28.084 2.956.649 New assets originated
Aset dihentikan
pengakuannya
penghapusbukuan) (1.696.668) (88.332) (17.491) (1.802.491) (other than write-off)
Penghapusbukuan - - (220.378) (220.378) Write-off
Nilai tercatat bruto Ending gross
akhir 4.022.372 112.978 71.135 4.206.485 carrying amount
50
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5. PIUTANG PEMBIAYAAN KONSUMEN (lanjutan) 5. CONSUMER FINANCING RECEIVABLES

(continued)
31 Desember/
December 31, 2021
Total/
Saldo awal 100.014 4.482 69.923 174.419 Beginning balance

Transfer ke stage 1 1.061 (493) (568) - Transfer to stage 1
Transfer ke stage 2 (3.385) 3.946 (561) - Transfer to stage 2
Transfer ke stage 3 (1.534) (302) 1.836 - Transfer to stage 3
Perubahan neto (47.382) (3.775) 191.613 140.456 Net change
Aset baru 93.284 1.198 17.349 111.831 New assets originated
Aset dihentikan
pengakuannya
penghapusbukuan) (30.837) (2.882) (17.491) (51.210) (other than write-off)
Cadangan atas
ekspektasian akhir 111.221 2.174 41.723 155.118 credit loss allowances
31 Desember/
December 31, 2020
Total/
Beginning gross
Nilai tercatat bruto awal 6.968.490 213.090 160.868 7.342.448 carrying amount
Transfer ke stage 1 22.889 (21.682) (1.207) - Transfer to stage 1
Transfer ke stage 3 (133.515) (6.526) 140.041 - Transfer to stage 3
Perubahan neto (1.795.745) (90.993) 384.479 (1.502.259) Net change
Aset baru 1.692.247 36.834 32.241 1.761.322 New assets originated
Aset dihentikan
pengakuannya
penghapusbukuan) (2.384.367) (175.957) (98.643) (2.658.967) (other than write-off)
Ending gross
Nilai tercatat bruto akhir 4.118.928 205.931 129.680 4.454.539 carrying amount
51
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(continued)
31 Desember/
December 31, 2020
Total/
Saldo awal - - - 137.233 Beginning balance

Dampak penerapan awal Impact of SFAS 71
PSAK 71 (Catatan 41) - - - 151.769 implementation (Note 41)
Cadangan atas
ekspektasian awal 198.799 4.366 85.837 289.002 credit loss allowances
Transfer ke stage 1 1.114 (512) (602) - Transfer to stage 1
Transfer ke stage 3 (4.205) (106) 4.311 - Transfer to stage 3
Perubahan neto (85.682) (2.919) 549.914 461.313 Net change
Aset baru 46.869 1.225 17.145 65.239 New assets originated
Aset dihentikan
pengakuannya
penghapusbukuan) (50.916) (3.571) (98.643) (153.130) (other than write-off)
Cadangan atas
ekspektasian akhir 100.014 4.482 69.923 174.419 credit loss allowances
Piutang pembiayaan konsumen yang direstrukturisasi The percentage of restructured consumer financing
pada tanggal 31 Desember 2021 dan 2020 adalah receivables as of December 31, 2021 and 2020 are
sebesar 9,13% dan 30,00% dari saldo piutang 9.13% and 30.00% of the consumer financing
pembiayaan konsumen sebelum dikurangi cadangan receivables balance before net of allowance for
kerugian penuruan nilai. impairment losses.
Perusahaan telah melakukan restrukturisasi The Company has restructured it’s financing for
pembiayaan untuk debitur yang terkena dampak debtors affected by the Covid-19 pandemic by tenor
pandemi Covid-19 yaitu penundaan pokok, extension, grace period, and change of due date in
perpanjangan tenor dan change due date sesuai accordance with POJK No. 14/POJK.05/2020
dengan POJK No. 14/POJK.05/2020 ”Kebijakan "Countercyclical Policy Impact of the Spread of
Countercyclical Dampak Penyebaran Coronavirus Coronavirus Disease 2019 for Non-Bank Financial
Disease 2019 bagi Lembaga Jasa Keuangan Non- Services Institutions" dated April 17, 2020. As of
Bank” tanggal 17 April 2020. Per tanggal 31 Desember December 31, 2021 and 2020, the balance of
2021 dan 2020, saldo piutang pembiayaan konsumen restructured Covid-19 consumer financing
- bruto restrukturisasi Covid-19 masing-masing receivables - gross amounted to Rp384,096 and
sebesar Rp384.096 dan Rp1.336.419. Sesuai dengan Rp1,336,419, respectively. Based on the
kebijakan tersebut, kualitas aset pembiayaan aforementioned regulation, the restructured financing
direstrukturisasi ditetapkan lancar. asset quality is current.
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended December 31, 2021 and 2020,
31 Desember 2021 dan 2020, cadangan kerugian provisions on impairment losses during the year
penurunan nilai selama tahun berjalan masing- amounted to Rp201,077 and Rp373,422,
masing sebesar Rp201.077 dan Rp373.422. respectively.
Akun ini merupakan piutang yang dikenakan bunga This account represents interest-bearing
yang timbul dari kegiatan pembiayaan dalam bentuk receivables arising from financing activities in the
pinjaman multiguna dan penyediaan kendaraan form of multi purpose financing and providing two-
bermotor roda dua atau roda empat kepada wheeled or four-wheeled motor vehicles to
konsumen dengan pembayaran angsuran secara consumers with periodic installment payment
berkala. schedule.
Pada tanggal 31 Desember 2021 dan 2020, jumlah As of December 31, 2021 and 2020, the directly
biaya transaksi yang terkait langsung dengan attributable transaction cost to the origination of
pemberian pembiayaan konsumen masing-masing consumer financing accounts amounted to Rp315
sebesar Rp315 dan Rp45.805. and Rp45,805, respectively.
52
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(continued)
Analisis umur piutang pembiayaan konsumen - bruto The aging analysis of consumer financing
adalah sebagai berikut: receivables - gross are as follows:
Jatuh tempo dalam waktu 2021 2020 Due in
Telah jatuh tempo 96.432 170.520 Due

< 1 tahun 3.303.747 3.600.997 < 1 year
1 - 2 tahun 1.481.509 1.436.943 1 - 2 years
> 2 tahun 502.310 352.140 > 2 years
Total Piutang Pembiayaan Total Consumer Financing

Konsumen - bruto 5.383.998 5.560.600 Receivables - gross
Pengelompokan piutang pembiayaan konsumen - Classification of consumer financing receivables -

bruto menurut hari tunggakan adalah sebagai berikut: gross based on overdue days are as follows:
2021 2020
Tidak ada tunggakan 4.693.822 4.210.068 Current

1-90 hari 605.719 1.185.700 1-90 days
91-120 hari 17.270 30.036 91-120 days
121-180 hari 30.696 55.628 121-180 days
> 180 hari 36.491 79.168 > 180 days
Total Piutang Pembiayaan Total Consumer Financing

Konsumen - bruto 5.383.998 5.560.600 Receivables - gross
Pada tanggal 31 Desember 2021 dan 2020, seluruh As of December 31, 2021 and 2020, all consumer
piutang pembiayaan konsumen dinilai secara kolektif financing receivables were collectively assessed for
penurunan nilainya. impairment.
Manajemen Perusahaan berkeyakinan bahwa jumlah The Company’s management believes that the
cadangan kerugian penurunan nilai di atas adalah above allowance for impairment losses is adequate
memadai untuk menutup kemungkinan kerugian to cover possible losses that may arise from
yang timbul dari tidak tertagihnya piutang uncollectible consumer financing receivables.
pembiayaan konsumen.
Pada tanggal 31 Desember 2021 dan 2020, piutang As of December 31, 2021 and 2020, the consumer
pembiayaan konsumen masing-masing sebesar financing receivables amounted to Rp1,993,921 and
Rp1.993.921 dan Rp1.811.687 digunakan sebagai Rp1,811,687, respectively, are pledged as collateral
jaminan atas utang bank dan masing-masing sebesar to the bank loans and amounted to Rp793,682 and
Rp793.682 dan Rp1.081.385 sebagai jaminan atas Rp1,081,385 to the bonds payable, respectively
utang obligasi (Catatan 14, 20, dan 31). (Notes 14, 20, and 31).
Sebagai jaminan atas pembiayaan konsumen yang As collateral to the consumer financing receivables,
diberikan, Perusahaan menerima jaminan dari the Company receives the ownership certificates
konsumen berupa Buku Pemilik Kendaraan Bermotor (“BPKB”) of the two-wheeled or four-wheeled motor
(“BPKB”) dari kendaraan bermotor roda dua atau vehicles.
roda empat.
Informasi mengenai klasifikasi dan nilai wajar piutang Information with respect to the classification and fair
pembiayaan konsumen - neto diungkapkan pada value of consumer financing receivables - net is
Catatan 35. disclosed in Note 35.
53
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6. PIUTANG PEMBIAYAAN MODAL USAHA 6. CAPITAL FINANCING RECEIVABLES

2021 2020

Rupiah Rupiah
Piutang pembiayaan Capital financing
modal usaha - bruto 330.098 20.198 receivables - gross
Pendapatan pembiayaan Unearned capital financing
modal usaha yang belum diakui (84.605) (4.815) income
Cadangan kerugian penurunan nilai (5.340) (313) Allowance for impairment losses
Piutang Pembiayaan Capital Financing

Modal Usaha - neto 240.153 15.070 Receivables - net

2021 2020

terkait piutang pembiayaan modal usaha adalah allowances of capital financing receivables are as
31 Desember/
December 31, 2021
Total/
Beginning gross
Transfer ke stage 1 - - - - Transfer to stage 1
Transfer ke stage 2 (438) 438 - - Transfer to stage 2
Perubahan neto (3.001) (89) - (3.090) Net change
Aset baru 238.057 827 221 239.105 New assets originated
Aset dihentikan
pengakuannya
akhir 244.096 1.176 221 245.493 amount
54
.05 .06 .07



31 Desember/
December 31, 2021
Total/
Saldo awal 313 - - 313 Beginning balance

Aset dihentikan
pengakuannya
Cadangan atas
ekspektasian akhir 5.225 34 81 5.340 credit loss allowances
31 Desember/
December 31, 2020
Total/
Beginning gross
Nilai tercatat bruto awal - - - - carrying amount
Ending gross carrying
Nilai tercatat bruto akhir 15.383 - - 15.383 amount
31 Desember/
December 31, 2020
Total/
Cadangan atas
ekspektasian awal - - - - credit loss allowances
Cadangan atas
ekspektasian akhir 313 - - 313 credit loss allowances
Untuk tahun yang berakhir pada tanggal-tanggal For years ended December 31, 2021 and 2020,
penurunan nilai selama tahun berjalan masing- amounted to Rp5,027 and Rp313, respectively.
masing sebesar Rp5.027 dan Rp313.
55
.01 .02 .03 .04



Akun ini merupakan piutang yang dikenakan bunga This account represents interest-bearing
yang timbul dari kegiatan pembiayaan dalam receivables arising from financing activities in the
bentuk pinjaman modal usaha kepada konsumen form of capital financing to consumers with periodic
dengan pembayaran angsuran secara berkala dan installment payment schedule and as collateral is
jaminan berupa kendaraan roda empat. four-wheeled motor vehicles.
pemberian pembiayaan modal usaha masing- capital financing accounts amounted to Rp1,373
masing sebesar Rp1.373 dan Rp24. and Rp24, respectively.
Analisis umur piutang pembiayaan modal usaha - The aging analysis of capital financing receivables -
bruto adalah sebagai berikut: gross are as follows:
Telah jatuh tempo 318 - Due

< 1 tahun 137.642 9.396 < 1 year
1 - 2 tahun 112.356 6.775 1 - 2 years
> 2 tahun 79.782 4.027 > 2 years
Total Piutang Pembiayaan Total Capital Financing

Modal Usaha - bruto 330.098 20.198 Receivables - gross
Pengelompokan piutang pembiayaan modal usaha - Classification of capital financing receivables - gross
bruto menurut hari tunggakan adalah sebagai based on overdue days are as follows:
berikut:
2021 2020
Tidak ada tunggakan 324.511 20.198 Current

1-90 hari 5.473 - 1-90 days
91-120 hari - - 91-120 days
121-180 hari 114 - 121-180 days
> 180 hari - - > 180 days
Total Piutang Pembiayaan Total Capital Financing

Modal Usaha - bruto 330.098 20.198 Receivables - gross
Pada tanggal-tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020, all capital
2020, seluruh piutang pembiayaan modal usaha financing receivables were collectively assessed for
dinilai secara kolektif penurunan nilainya. impairment.
Manajemen Perusahaan berkeyakinan bahwa The Company’s management believes that the
jumlah cadangan kerugian penurunan nilai di atas above allowance for impairment losses is adequate
adalah memadai untuk menutup kemungkinan to cover possible losses that may arise from
kerugian yang timbul dari tidak tertagihnya piutang uncollectible capital financing receivables.
pembiayaan modal usaha.
Pada tanggal 31 Desember 2021 dan 2020, As of December 31, 2021 and 2020, the capital
piutang pembiayaan modal usaha tidak digunakan financing receivables are not pledged as collateral to
sebagai jaminan atas utang bank atau utang the bank loans or bonds payable.
obligasi.
56
.05 .06 .07



Sebagai jaminan atas pembiayaan modal usaha As collateral to the capital financing receivables,
yang diberikan, Perusahaan menerima jaminan the Company receives the ownership certificates
dari konsumen berupa Buku Pemilik Kendaraan (“BPKB”) of the four-wheeled motor vehicles.
Bermotor (“BPKB”) dari kendaraan bermotor roda
empat.
Informasi mengenai klasifikasi dan nilai wajar Information with respect to the classification and
piutang pembiayaan modal usaha - neto fair value of capital financing receivables - net is
diungkapkan pada Catatan 35. disclosed in Note 35.
7. PIUTANG SEWA PEMBIAYAAN 7. FINANCE LEASE RECEIVABLES

2021 2020

Rupiah Rupiah
Finance lease
Piutang sewa pembiayaan - bruto 165.772 30.559 receivables - gross
Nilai sisa terjamin 60.698 12.804 Guaranteed residual value
Pendapatan sewa pembiayaan Unearned finance lease
yang belum diakui (38.709) (6.709) income
Simpanan jaminan (60.698) (12.804) Security deposit
Cadangan kerugian penurunan nilai (2.944) (479) Allowance for impairment losses
Piutang Sewa Pembiayaan - neto 124.119 23.371 Finance Lease Receivables - net

2021 2020

terkait piutang sewa pembiayaan adalah sebagai allowances of finance lease receivables are as
berikut: follows:
31 Desember/
December 31, 2021
Total/
Beginning gross
Perubahan neto (5.395) (308) - (5.703) Net change
Aset dihentikan
pengakuannya
akhir 125.898 514 651 127.063 amount
57
.01 .02 .03 .04


7. PIUTANG SEWA PEMBIAYAAN (lanjutan) 7. FINANCE LEASE RECEIVABLES (continued)

31 Desember/
December 31, 2021
Total/

Perubahan neto (98) (5) - (103) Net change
Aset dihentikan
pengakuannya
Cadangan atas
ekspektasian akhir 2.688 13 243 2.944 credit loss allowances
31 Desember/
December 31, 2020
Total/
Beginning gross
Nilai tercatat bruto awal - - - - carrying amount
akhir 23.850 - - 23.850 amount
31 Desember/
December 31, 2020
Total/
Cadangan atas
ekspektasian awal - - - - credit loss allowances
Cadangan atas
penurunan nilai selama tahun berjalan masing- amounted to Rp2,465 and Rp479, respectively.
masing sebesar Rp2.465 dan Rp479.
Akun ini merupakan piutang yang dikenakan bunga This account represents interest-bearing receivables
yang timbul dari kegiatan pembiayaan dalam bentuk arising from financing activities in the form of finance
sewa pembiayaan roda empat kepada konsumen lease of four-wheeled motor vehicles to consumers
dengan pembayaran angsuran secara berkala. with periodic installment payment schedule.
58
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7. PIUTANG SEWA PEMBIAYAAN (lanjutan) 7. FINANCE LEASE RECEIVABLES (continued)
pemberian sewa pembiayaan masing-masing finance lease accounts amounted to Rp644 and
sebesar Rp644 dan Rp68. Rp68, respectively.
Analisis umur piutang sewa pembiayaan - bruto The aging analysis of finance lease receviables -
adalah sebagai berikut: gross are as follows:
Telah jatuh tempo 464 4 Due

< 1 tahun 74.979 15.371 < 1 year
1 - 2 tahun 56.580 10.000 1 - 2 years
> 2 tahun 33.749 5.184 > 2 years
Total Piutang Sewa Total Finance Lease

Pembiayaan - bruto 165.772 30.559 Receivables - gross
Pengelompokan piutang sewa pembiayaan - bruto Classification of finance lease receivables - gross
menurut hari tunggakan adalah sebagai berikut: based on overdue days are as follows:
2021 2020
Tidak ada tunggakan 160.298 30.430 Current

1-90 hari 4.587 129 1-90 days
91-120 hari 174 - 91-120 days
121-180 hari - - 121-180 days
> 180 hari 713 - > 180 days
Total Piutang Sewa Total Finance Lease

Pembiayaan - bruto 165.772 30.559 Receivables - gross
Pada tanggal 31 Desember 2021 dan 2020, seluruh As of December 31, 2021 and 2020, all finance
piutang sewa pembiayaan dinilai secara kolektif lease receivables were collectively assessed for
penurunan nilainya. impairment.
kerugian yang timbul dari tidak tertagihnya piutang uncollectible finance lease receivables.
sewa pembiayaan.
Pada tanggal 31 Desember 2021 dan 2020, piutang As of December 31, 2021 and 2020, the finance
sewa pembiayaan tidak digunakan sebagai jaminan lease receivables are not pledged as collateral to
atas utang bank atau utang obligasi. the bank loans or bonds payable.
Sebagai jaminan atas sewa pembiayaan yang As collateral to the finance lease receivables, the
diberikan, Perusahaan menerima jaminan dari Company receives the ownership certificates
konsumen berupa Buku Pemilik Kendaraan (“BPKB”) of the four-wheeled motor vehicles.
Bermotor (“BPKB”) dari kendaraan bermotor roda
empat.
piutang sewa pembiayaan - neto diungkapkan pada fair value of finance lease receivables - net is
Catatan 35. disclosed in Note 35.
59
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8. PIUTANG LAIN-LAIN 8. OTHER RECEIVABLES
2021 2020

Piutang penerimaan Consumer installment
angsuran konsumen 16.920 28.110 receipt receivables
Pinjaman lain-lain 2.208 - Loan - others
Piutang tagihan asuransi konsumen 1.726 - Insurance receivables from consumer
Piutang pengembalian premi asuransi 1.242 7.826 Insurance premium receivable
Pinjaman karyawan 308 221 Loans to employees

Cadangan kerugian penurunan nilai - Allowance for impairment losses -
pengembalian premi asuransi, Insurance premium receivable,
pinjaman karyawan, dan lain-lain (711) (3) loans to employees and others
Pihak ketiga - neto 22.820 38.908 Third parties - net
Pihak-pihak berelasi Related parties

Pinjaman karyawan (Catatan 32) 1.399 4.129 Loans to employees (Note 32)
Cadangan kerugian penurunan nilai - Allowance for impairment losses -
pinjaman karyawan (13) (49) loans to employees
Pihak berelasi - neto 1.386 4.080 Related parties - net
Total 24.206 42.988 Total
terkait piutang pengembalian premi asuransi, allowances of Insurance premium receivable, loans
pinjaman karyawan dan pinjaman lain-lain adalah to employees and loan - others are as follows:
sebagai berikut:
31 Desember/
December 31, 2021
Total/
Beginning gross
Aset dihentikan
pengakuannya
Ending gross
Nilai tercatat bruto akhir 5.157 - - 5.157 carrying amount
31 Desember/
December 31, 2021
Total/

Perubahan neto 672 - - 672 Net change
Cadangan atas
60
.05 .06 .07


8. PIUTANG LAIN-LAIN (lanjutan) 8. OTHER RECEIVABLES (continued)
terkait piutang pengembalian premi asuransi, allowances of Insurance premium receivable, loans
pinjaman karyawan dan pinjaman lain-lain adalah to employees and loan - others are as follows:
sebagai berikut: (lanjutan) (continued)
31 Desember/
December 31, 2020
Total/
Beginning gross
Ending gross
Nilai tercatat bruto akhir 12.176 - - 12.176 carrying amount
31 Desember/
December 31, 2020
Total/
Saldo awal - - - - Beginning balance

Dampak penerapan awal Impact of SFAS 71
PSAK 71 (Catatan 41) - - - 58 implementation (Note 41)
Cadangan atas
ekspektasian awal 58 - - 58 credit loss allowances
Cadangan atas
31 Desember 2021 dan 2020, pembentukan dan provision and reversal on impairment losses during
pembalikan cadangan kerugian penurunan nilai the year amounted to Rp672 and Rp6, respectively.
selama tahun berjalan masing-masing sebesar
Rp672 dan Rp6.
Piutang penerimaan angsuran konsumen Consumer installment receipt receivables are

merupakan pembayaran angsuran konsumen consumer installment payments through collecting
melalui collecting agents seperti PT Pos Indonesia, agents which are PT Pos Indonesia, PT Sumber
PT Sumber Alfaria Trijaya Tbk, PT Midi Utama Alfaria Trijaya Tbk, PT Midi Utama Indonesia Tbk,
Indonesia Tbk, PT Rintis Sejahtera, PT Sarana Yukti PT Rintis Sejahtera, PT Sarana Yukti Bandhana,
Bandhana, dan PT Indomarco Prismatama, yang and PT Indomarco Prismatama, which will be paid
akan dibayarkan ke Perusahaan melalui transfer ke to the Company by transfer to bank account within
rekening bank dengan jangka waktu 1 (satu) hari 1 (one) day up to 5 (five) working days from the
sampai dengan 5 (lima) hari kerja terhitung dari date of receipt of the consumer installment.
tanggal penerimaan angsuran konsumen.
Pinjaman karyawan terdiri dari pinjaman karyawan Loans to employees consist of loans to employees
dan pinjaman kepada direktur. Pinjaman karyawan and loans to directors. Loans to employees
merupakan pinjaman tanpa bunga yang diangsur represent non-interest bearing loans, which are
melalui pemotongan gaji setiap bulan dengan repaid through monthly salary deductions over the
jangka waktu pinjaman berkisar antara 1 (satu) loan periods ranging from 1 (one) year to 3 (three)
tahun sampai dengan 3 (tiga) tahun. Pinjaman years. Loans to directors which bear annual
kepada direktur dikenakan bunga sebesar 5,00% interest rate at 5.00% per annum, are repaid
per tahun, yang diangsur melalui pemotongan gaji through monthly salary deductions over the loan
setiap bulan dengan jangka waktu pinjaman 10 period of 10 (ten) years to 15 (fifteen) years.
(sepuluh) tahun sampai dengan 15 (lima belas)
tahun.
61
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8. PIUTANG LAIN-LAIN (lanjutan) 8. OTHER RECEIVABLES (continued)
Nilai wajar dari pinjaman karyawan dinilai The fair value of employee loans is determined by
menggunakan diskonto arus kas berdasarkan discounting cash flows using the market interest
tingkat suku bunga pasar. rate.
Pinjaman karyawan untuk pemilikan kendaraan Loans to employees for vehicle ownership are
dijamin dengan BPKB kendaraan yang dibiayai. secured by the vehicles’ BPKB of the financed
vehicles.
Piutang pengembalian premi asuransi merupakan Insurance premium refund represents refund
tagihan klaim yang diajukan kepada perusahaan receivables to insurance companies related to
asuransi atas kelebihan pembayaran premi excess payment of insurance premium.
asuransi.
Manajemen Perusahaan berkeyakinan bahwa The Company’s management believes that all
semua piutang pengembalian premi asuransi dapat insurance premium refund can be collected.
tertagih.
kerugian yang timbul dari tidak tertagihnya piutang uncollectible other receivables.
lain-lain.
piutang lain-lain diungkapkan pada Catatan 35. fair value of other receivables is disclosed in
Note 35.
9. BIAYA DIBAYAR DIMUKA DAN UANG MUKA 9. PREPAID EXPENSES AND ADVANCES
2021 2020
Sewa dan uang muka Office rentals and

renovasi kantor 5.314 2.560 advance for renovations
Biaya dibayar dimuka Prepaid expense
pemeliharaan sistem 2.288 1.608 system maintenance
Uang muka dealer 921 - Dealer advances
Uang muka perangkat lunak Advance for software
dan lisensi 27 27 and licenses
Informasi mengenai klasifikasi dan nilai wajar uang Information with respect to the classification and
muka dealer diungkapkan pada Catatan 35. fair value of dealer advances is disclosed in
Note 35.
62
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10. ASET TETAP 10. PROPERTY AND EQUIPMENT
31 Desember/December 31, 2021
Saldo awal/ Saldo akhir/

Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Biaya Perolehan Cost

Kepemilikan langsung: Direct ownership:
Tanah 798 - - 798 Land
Bangunan 5.200 - - 5.200 Buildings
Leasehold
Renovasi kantor 121.298 8.797 237 129.858 improvement
Kendaraan 62.899 4.162 2.987 64.074 Vehicles
Peralatan kantor 267.941 16.228 4.307 279.862 Office equipment
Office furniture and
Perabot kantor 29.114 430 498 29.046 fixtures
Total Biaya Perolehan 487.250 29.617 8.029 508.838 Total Cost
Accumulated
Akumulasi Penyusutan Depreciation
Leasehold
Peralatan kantor 233.888 17.875 3.980 247.783 Office equipment
Perabot kantor 22.980 4.325 386 26.919 fixtures
Total Accumulated
Total Akumulasi Penyusutan 402.459 39.514 6.789 435.184 Depreciation
Jumlah Tercatat 84.791 73.654 Carrying Amount

Biaya Perolehan Cost

Tanah 798 - - 798 Land
Leasehold
Kendaraan 66.032 966 4.099 62.899 Vehicles
Peralatan kantor 254.600 14.024 683 267.941 Office equipment
Perabot kantor 28.759 422 67 29.114 fixtures
Total Biaya Perolehan 471.764 20.370 4.884 487.250 Total Cost
Accumulated
Akumulasi Penyusutan Depreciation
Leasehold
Peralatan kantor 211.920 22.645 677 233.888 Office equipment
Perabot kantor 18.565 4.481 66 22.980 fixtures
Total Accumulated
Total Akumulasi Penyusutan 360.092 46.336 3.969 402.459 Depreciation
Jumlah Tercatat 111.672 84.791 Carrying Amount
63
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10. ASET TETAP (lanjutan) 10. PROPERTY AND EQUIPMENT (continued)
Beban penyusutan adalah masing-masing sebesar Depreciation charged to operations amounting to

Rp39.514 dan Rp46.336 untuk tahun yang berakhir Rp39,514 and Rp46,336 for the years ended
pada tanggal-tanggal 31 Desember 2021 dan 2020. December 31, 2021 and 2020, respectively.
Rincian laba penjualan aset tetap adalah sebagai The details of gain on sale of property and
berikut: equipment are as follows:

2021 2020
Proceeds from sale of

Hasil penjualan aset tetap 1.272 1.918 property and equipment
Net book value of property
Nilai buku aset tetap (1.240) (915) and equipment
Gain on sale of
Laba penjualan aset tetap 32 1.003 property and equipment
Laba penjualan aset tetap disajikan sebagai bagian Gain on sale of property and equipment is recorded
dari “Pendapatan Lain-lain - Lain-lain” pada laporan as part of “Other Revenues - Others” in the
laba rugi dan penghasilan komprehensif lain. statement of profit or loss and other comprehensive
income.
Hak Guna Bangunan (“HGB”) atas tanah dan Rights to Use the Building (“Hak Guna Bangunan -
bangunan yang berlokasi di Sunter, Jakarta seluas HGB”) covering the land and buildings located at
74 meter persegi akan berakhir pada tanggal 2 Sunter, Jakarta with area of 74 square metres will
Agustus 2027. HGB-HGB yang berlokasi di expire on August 2, 2027. HGBs in Tangerang
Tangerang (Banten) seluas 150 meter persegi, (Banten) with area of 150 square metres, Sidoarjo
Sidoarjo (Jawa Timur) seluas 150 meter persegi, (East Java) with area of 150 square metres,
Samarinda (Kalimantan Timur) seluas 74 meter Samarinda (East Kalimantan) with area of 74 square
persegi, dan Daerah Istimewa Yogyakarta seluas metres, and Yogyakarta Province with area of 1,221
1.221 meter persegi akan berakhir masing-masing square metres will expire on July 15, 2027, January
pada tanggal 15 Juli 2027, 4 Januari 2027, 4, 2027, August 7, 2026, and September 23, 2040,
7 Agustus 2026, dan 23 September 2040. respectively. The Company’s management believes
Manajemen Perusahaan berkeyakinan bahwa HGB- that the above HGBs can be renewed at the expiry
HGB di atas dapat diperpanjang pada saat masa dates.
berlakunya berakhir.
Berdasarkan penelaahan penurunan nilai atas aset Based on the assessment for impairment of the
tetap, manajemen Perusahaan berkeyakinan bahwa property and equipment, the Company’s
tidak ada kejadian-kejadian atau perubahan- management believes that there are no events or
perubahan keadaan yang mengindikasikan bahwa changes in circumstances, which may indicate that
nilai tercatatnya mungkin tidak dapat terpulihkan the carrying amounts of these assets are not
pada tanggal 31 Desember 2021 dan 2020. recoverable as of December 31, 2021 and 2020.
Aset tetap telah diasuransikan terhadap risiko Property and equipment are covered by insurance
kebakaran dan risiko lainnya dengan nilai against losses from fire and other risks for a total
pertanggungan keseluruhan sebesar Rp159.814 coverage of Rp159,814 and USD3,408,939 (in full
dan ASD3.408.939 (dalam nilai penuh) pada tanggal amount) as of December 31, 2021 and Rp106,485
31 Desember 2021 dan Rp106.485 dan and USD3,318,111 (in full amount) as of
ASD3.318.111 (dalam nilai penuh) pada tanggal December 31, 2020. As of December 31, 2021,
31 Desember 2020. Pada tanggal property and equipment are insured through
31 Desember 2021, aset tetap tersebut PT Asuransi Sinar Mas, PT Asuransi Adira
diasuransikan melalui PT Asuransi Sinar Mas, PT Dinamika (Adira Insurance), and PT Malacca Trust
Asuransi Adira Dinamika (Adira Insurance), dan PT Wuwungan Insurance Tbk and December 31, 2020
Malacca Trust Wuwungan Insurance Tbk dan 31 property and equipment are insured through
Desember 2020 aset tetap tersebut diasuransikan PT Asuransi Sinar Mas, PT Asuransi Adira
melalui PT Asuransi Sinar Mas, PT Asuransi Adira Dinamika (Adira Insurance), PT Asuransi Central
Dinamika (Adira Insurance), PT Asuransi Central Asia (ACA), and PT Malacca Trust Wuwungan
Asia (ACA), dan PT Malacca Trust Wuwungan Insurance Tbk.
Insurance Tbk.
64
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10. ASET TETAP (lanjutan) 10. PROPERTY AND EQUIPMENT (continued)
Seluruh perusahaan asuransi tersebut di atas All the above insurance companies are third parties.
adalah pihak ketiga.
Manajemen Perusahaan berkeyakinan bahwa nilai The Company’s management believes that
pertanggungan asuransi tersebut telah memadai the sum insured is adequate to cover the possible
untuk menutup kemungkinan kerugian atas aset losses from these insured risks.
tetap yang dipertanggungkan.
Pada tanggal 31 Desember 2021 dan 2020, aset As of December 31, 2021 and 2020, property and
tetap dengan harga perolehan masing-masing equipment with acquisition cost amounting to
sebesar Rp103.901 dan Rp135.468 telah Rp103,901 and Rp135,468, respectively, have been
disusutkan penuh dan masih digunakan oleh fully depreciated and are still being used by the
Perusahaan (tidak diaudit). Company (unaudited).
Selama belum lunas, aset tetap berupa kendaraan Until fully paid, property and equipment in the form
yang diperoleh melalui fasilitas pembiayaan of vehicles which are acquired through financing
digunakan sebagai jaminan atas fasilitas facilities are used as collateral to the vehicles
pembiayaan kendaraan yang diperoleh dari financing facilities obtained from PT Maybank
PT Maybank Indonesia Finance, pihak berelasi Indonesia Finance, a related party (Note 32), PT
(Catatan 32), PT Clipan Finance Indonesia Tbk, dan Clipan Finance Indonesia Tbk, and PT Mandiri
PT Mandiri Tunas Finance (Catatan 18). Tunas Finance (Note 18).
Estimasi nilai wajar tanah dan bangunan The estimated fair value of the Company’s land and
Perusahaan berdasarkan nilai jual objek pajak pada building based on tax object sale value as of
tanggal 31 Desember 2021 dan 2020 adalah December 31, 2021 and 2020 is Rp22,306 and
masing-masing sebesar Rp22.306 dan Rp22.268. Rp22,268, respectively.
11. ASET HAK-GUNA 11. RIGHT-OF-USE ASSETS
Rekonsiliasi kelompok-kelompok utama aset hak-guna The reconciliation of right-of-use assets by major
adalah sebagai berikut: classifications is as follows:

Aset hak-guna: Right-of-use assets:

Bangunan Premises
Nilai bruto 124.587 14.719 (291) 139.015 Gross balance
Akumulasi penyusutan (28.561) (27.257) 191 (55.627) Accumulated depreciation
Neto 96.026 (12.538) (100) 83.388 Net

Saldo awal
Penerapan
PSAK 73
1 Januari 2020/
Beginning
balance
implementation Saldo akhir/
SFAS 73 as of Penambahan/ Pengurangan/ Ending
January 1, 2020 Additions Deductions balance
Aset hak-guna: Right-of-use assets:

Bangunan Premises
Nilai bruto 109.515 15.072 - 124.587 Gross balance
Akumulasi penyusutan - (28.561) - (28.561) Accumulated depreciation
Neto 109.515 (13.489) - 96.026 Net
65
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11. ASET HAK-GUNA (lanjutan) 11. RIGHT-OF-USE ASSETS (continued)
Laporan laba rugi menyajikan saldo berikut Statement of profit or loss shows the following
berkaitan dengan sewa: amounts related to leases:

2021 2020
Depreciation expense
Beban penyusutan aset hak-guna 27.257 28.561 of right-of-use assets
Beban bunga 4.175 4.400 Interest expense
12. ASET TIDAK BERWUJUD 12. INTANGIBLE ASSETS

Aset tidak berwujud terdiri dari perangkat lunak. Intangible assets consist of software.

Perangkat lunak: Software:

Biaya perolehan 37.568 3.710 - 41.278 At cost
Akumulasi penyusutan (4.989) (3.937) - (8.926) Accumulated depreciation
Jumlah Tercatat 32.579 (227) - 32.352 Carrying Amount

Perangkat lunak: Software:

Biaya perolehan 33.479 4.089 - 37.568 At cost
Akumulasi penyusutan (1.395) (3.594) - (4.989) Accumulated depreciation
Jumlah Tercatat 32.084 495 - 32.579 Carrying Amount
13. ASET LAIN-LAIN 13. OTHER ASSETS
2021 2020
Kelebihan pembayaran pajak yang Refundable

dapat dikembalikan (Catatan 17) tax overpayment (Note 17)
Tahun pajak 2020 22.451 22.451 Fiscal year 2020
Taksiran tagihan pajak (Catatan 17) Claim for tax refund (Note 17)
Uang jaminan 3.671 4.079 Security deposit
Lain-lain 289 395 Others
66
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14. UTANG BANK 14. BANK LOANS
2021 2020

PT Bank Pan Indonesia Tbk PT Bank Pan Indonesia Tbk
(Pokok pinjaman sebesar (Outstanding loans of
Rp953.885 dan Rp672.282, Rp953,885 and Rp672,282,
dikurangi provisi net of unamortized
bank yang belum diamortisasi bank provision of
sebesar Rp1.998 dan Rp1.387 Rp1,998 and Rp1,387
pada tanggal 31 Desember 2021 as of December 31, 2021
dan 2020) 951.887 670.895 and 2020, respectively)
PT Bank Mandiri (Persero) Tbk PT Bank Mandiri (Persero) Tbk
Rp663.750 dan Rp360.140, Rp663,750 and Rp360,140,
sebesar Rp1.209 dan Rp648 Rp1,209 and Rp648
PT Bank KEB Hana Indonesia PT Bank KEB Hana Indonesia
Rp100.000 dan Rpnihil, Rp100,000 and Rpnil,
sebesar Rpnihil dan Rpnihil Rpnil and Rpnil
dan 2020) 100.000 - and 2020, respectively)
PT Bank CTBC Indonesia PT Bank CTBC Indonesia
Rp62.500 dan Rp225.000, Rp62,500 and Rp225,000,
sebesar Rp67 dan Rp403 Rp67 and Rp403
PT Bank DBS Indonesia PT Bank DBS Indonesia
Rp50.000 dan Rpnihil, Rp50,000 and Rpnil,
sebesar Rpnihil dan Rpnihil Rpnil and Rpnil
dan 2020) 50.000 - and 2020, respectively)
PT Bank Permata Tbk PT Bank Permata Tbk
Rp50.000 dan Rp25.089, Rp50,000 and Rp25,089,
dikurangi provisi bank yang net of unamortized
belum diamortisasi sebesar bank provision of
Rp119 dan Rp17 Rp119 and Rp17
PT Bank HSBC Indonesia PT Bank HSBC Indonesia
Rp50.000 dan Rp50.000, Rp50,000 and Rp50,000,
sebesar Rp417 dan Rpnihil Rp417 and Rpnil
67
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14. UTANG BANK (lanjutan) 14. BANK LOANS (continued)
2021 2020
Pihak ketiga (lanjutan) Third parties (continued)

PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Rp41.667 dan Rp250.000, Rp41,667 and Rp250,000,
sebesar Rp107 dan Rp349 Rp107 and Rp349
PT Bank Mega Tbk PT Bank Mega Tbk
Rpnihil dan Rp88.889, Rpnil and Rp88,889,
sebesar Rpnihil dan Rp45 Rpnil and Rp45
dan 2020) - 88.844 and 2020, respectively)
PT Bank Shinhan Indonesia PT Bank Shinhan Indonesia
Rpnihil dan Rp75.000, Rpnil and Rp75,000,
sebesar Rpnihil dan Rp140 Rpnil and Rp140
dan 2020) - 74.860 and 2020, respectively)
Total 1.967.885 1.743.411 Total

2021 2020
Kisaran suku bunga kontraktual tahunan Range of contractual annual interest rates
Mata uang Rupiah 3,85% - 9,50% 7,75% - 10,00% Rupiah currency
PT Bank Pan Indonesia Tbk (“Bank Panin”) PT Bank Pan Indonesia Tbk (“Bank Panin”)
Berdasarkan Perjanjian Kredit No. 37 tanggal Based on the Credit Agreement No. 37 dated
11 Juni 2013, Bank Panin setuju memberikan June 11, 2013, Bank Panin agreed to provide a Fixed
Fasilitas Pinjaman Tetap III dan Fasilitas Pinjaman Loan Facility III and Overdraft Loan Facility with
Rekening Koran dengan jumlah maksimum dana maximum available fund amounting to Rp500,000
yang disediakan masing-masing sebesar and Rp50,000, respectively, which was used for
Rp500.000 dan Rp50.000, yang digunakan working capital for consumer financing and working
sebagai modal kerja pembiayaan konsumen dan capital provisions. The maturity date of each loan is
cadangan modal kerja. Tanggal jatuh tempo dari 39 (thirty nine) months and 1 (one) year from the
masing-masing pinjaman adalah 39 (tiga puluh signing date of credit agreement and has expired on
sembilan) bulan dan 1 (satu) tahun sejak tanggal September 11, 2016 for Fixed Loan Facility III and on
penandatanganan perjanjian kredit dan telah June 11, 2014 for Overdraft Loan Facility.
berakhir pada tanggal 11 September 2016 untuk
Fasilitas Pinjaman Tetap III dan berakhir pada
tanggal 11 Juni 2014 untuk Fasilitas Pinjaman
Rekening Koran.
68
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Perjanjian Kredit untuk Fasilitas Pinjaman Rekening The Agreement for the Overdraft Loan Facilty has
Koran ini telah mengalami beberapa kali been extended several times, the latest extention of
perpanjangan, terakhir perpanjangan fasilitas the facility based on the Credit Agreement and
berdasarkan perubahan terhadap Perjanjian Kredit Security Agreement No. 002/IBD
dan Perjanjian Jaminan No. 002/IBD- PRK/LEG/19/Per.IV dated May 20, 2021 which will
PRK/LEG/19/Per.IV tanggal 20 Mei 2021 yang akan mature on May 28, 2022.
jatuh tempo pada tanggal 28 Mei 2022.
Pinjaman ini dikenakan tingkat suku bunga sebesar The loan bears interest rate at 10.50% per annum.
10,50% per tahun.
Perjanjian tersebut dijamin dengan jaminan fidusia The agreement is secured by fiduciary transfer of
atas piutang pembiayaan konsumen bersih minimal the Company’s net receivables from customers at
sebesar 100,00% dari total plafon pinjaman dengan 100.00% of the total amount of the loan with
kategori piutang yang tidak memiliki tunggakan lebih category day past due not over than 90 (ninety) days
dari 90 (sembilan puluh) hari sebesar Rp50.000 amounting to Rp50,000 (Note 5), not secured to any
(Catatan 5), tidak dalam keadaan dijaminkan third party and also the object of financing should be
kepada pihak ketiga manapun juga, objek covered by insurance, maintain maximum debt to
pembiayaan harus diasuransikan serta equity ratio of 10 times, and maintain maximum Non
mempertahankan rasio utang terhadap ekuitas tidak Performing Loan (“NPL”) nett ratio above 90 (ninety)
melebihi 10 kali, serta mempertahankan rasio Non days of 3.00%.
Performing Loan (“NPL”) net diatas 90 (sembilan
puluh) hari maksimal 3,00%.
28 Mei 2014, Bank Panin setuju memberikan May 28, 2014, Bank Panin agreed to provide a
Fasilitas Pinjaman Pasar Uang dengan jumlah Money Market Loan Facility with maximum available
maksimum dana yang disediakan sebesar fund amounting to Rp200,000, which used as
Rp200.000 yang digunakan sebagai modal kerja consumer finance working capital. The loan’s
pembiayaan konsumen. Tanggal jatuh tempo maturity date is 1 (one) year from the signing date of
Fasilitas Pinjaman Pasar Uang adalah 1 (satu) credit agreement.
tahun sejak tanggal penandatanganan perjanjian
kredit.
Perjanjian Kredit untuk Fasilitas Pinjaman Pasar The Agreement for the Money Market Loan Facility
Uang ini telah mengalami beberapa kali has been extended several times, the latest
perpanjangan, terakhir perpanjangan fasilitas extention of the facility based on in the Credit
berdasarkan perubahan terhadap Perjanjian Kredit Agreement and Security Agreement No. 002/IBD-
dan Perjanjian Jaminan No. 002/IBD- MM/LEG/19/Per.IV dated May 20, 2021 which will
MM/LEG/19/Per.IV tanggal 20 Mei 2021 yang akan mature on May 28, 2022.
jatuh tempo pada tanggal 28 Mei 2022.
Pinjaman ini dikenakan tingkat suku bunga yang The loan bears interest rate which will be
akan ditetapkan pada saat penarikan. determined upon withdrawal.
Perjanjian ini dijamin dengan jaminan fidusia atas The agreement is secured by fiduciary transfer of the
piutang pembiayaan konsumen bersih minimal Company’s net receivables from customers at
sebesar 60,00% dari total pokok pinjaman dengan 60.00% of the total amount of the outstanding loan
kategori piutang yang tidak memiliki tunggakan lebih with category day past due not over than 90 (ninety)
dari 90 (sembilan puluh) hari sebesar Rp120.001 days amounting to Rp120,001 (Note 5), not secured
(Catatan 5), tidak dalam keadaan dijaminkan kepada to any third party and also the object of financing
pihak ketiga manapun juga serta objek pembiayaan should be covered by insurance and maintain
harus diasuransikan serta mempertahankan rasio maximum debt to equity ratio of 10 times and
utang terhadap ekuitas tidak melebihi 10 kali serta maintain maximum Non Performing Loan (NPL) nett
mempertahankan rasio Non Performing Loan (NPL) ratio above 90 (ninety) days of 3.00%.
net diatas 90 (sembilan puluh) hari maksimal 3,00%.
69
.01 .02 .03 .04


Berdasarkan Perjanjian Kredit dan Perjanjian Based on the Credit Agreement and Security
Jaminan No. 86 tanggal 28 Oktober 2016, Bank Agreement No. 86 dated October 28, 2016, Bank
Panin setuju memberikan Fasilitas Pinjaman Panin agreed to provide a Fixed Loan Facility X with
Tetap X dengan jumlah maksimum dana yang maximum available fund amounting to Rp1,000,000,
disediakan sebesar Rp1.000.000 yang digunakan which used as consumer finance working capital.
sebagai modal kerja pembiayaan konsumen. The loan’s maturity date is 39 (thirty nine) months
Tanggal jatuh tempo Fasilitas Pinjaman Tetap X from the signing date of credit agreement.
adalah 39 (tiga puluh sembilan) bulan sejak tanggal
penandatanganan perjanjian kredit.
Pinjaman ini dikenakan tingkat suku bunga sebesar The loan bears interest rate at 9.60% per annum
9,60% per tahun untuk jangka waktu pinjaman during the loan period for 2 (two) years and 9.85%
selama 2 (dua) tahun dan 9,85% per tahun untuk per annum during the loan period of 3 (three) years,
jangka waktu pinjaman selama 3 (tiga) tahun yang which remain valid for the period of Fixed Loan X.
berlaku tetap selama jangka waktu Pinjaman
Tetap X.
dari 90 (sembilan puluh) hari (Catatan 5), tidak days (Note 5), not secured to any third party and
dalam keadaan dijaminkan kepada pihak ketiga also the object of financing should be covered by
manapun juga serta objek pembiayaan harus insurance, maintain maximum debt to equity ratio of
diasuransikan, mempertahankan rasio utang 10 times, and maintain maximum NPL ratio above
terhadap ekuitas tidak melebihi 10 kali, serta 90 (ninety) days of 4.00%.
mempertahankan rasio NPL diatas 90 (sembilan
Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on January
tanggal 9 Januari 2020. 9, 2020.
Jaminan No. 82 tanggal 21 November 2017, Bank Agreement No. 82 dated November 21, 2017, Bank
Panin setuju memberikan Fasilitas Pinjaman Tetap Panin agreed to provide a Fixed Loan Facility XII
XII dengan jumlah maksimum dana yang disediakan with maximum available fund amounting to
sebesar Rp800.000 yang digunakan sebagai modal Rp800,000, which used as consumer finance
kerja pembiayaan konsumen. Tanggal jatuh tempo working capital. The loan’s maturity date is 27
Fasilitas Pinjaman Tetap XII adalah 27 (dua puluh (twenty seven) months from the signing date of
tujuh) bulan sejak tanggal penandatanganan credit agreement.
perjanjian kredit.
8,75% per tahun untuk jangka waktu pinjaman during the loan period for 2 (two) years, which
selama 2 (dua) tahun yang berlaku tetap selama remain valid for the period of Fixed Loan XII.
jangka waktu Pinjaman Tetap XII.
Perjanjian tersebut dijamin dengan jaminan fidusia The agreement is secured by fiduciary transfer of the
atas piutang pembiayaan konsumen bersih minimal Company’s net receivables from customers at
70
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Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on January
tanggal 13 Januari 2020. 13, 2020.
Jaminan No. 32 tanggal 22 Maret 2018, Bank Panin Agreement No. 32 dated March 22, 2018, Bank
setuju memberikan Fasilitas Pinjaman Tetap XIII Panin agreed to provide a Fixed Loan Facility XIII
dengan jumlah maksimum dana yang disediakan with maximum available fund amounting to
kerja pembiayaan konsumen. Tanggal jatuh tempo working capital. The loan’s maturity date is 27
Fasilitas Pinjaman Tetap XIII adalah 27 (dua puluh (twenty seven) months from the signing date of
tujuh) bulan sejak tanggal penandatanganan credit agreement.
perjanjian kredit.
8,00% per tahun untuk jangka waktu pinjaman during the loan period for 18 (eighteen) months and
selama 18 (delapan belas) bulan dan 8,25% per 8.25% per annum during the loan period for 24
tahun untuk jangka waktu pinjaman selama 24 (dua (twenty four) months, which remain valid for the
puluh empat) bulan yang berlaku tetap selama period of Fixed Loan XIII.
jangka waktu Pinjaman Tetap XIII.
Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on March
tanggal 27 Maret 2020. 27, 2020.
Jaminan No. 13 tanggal 6 Juni 2018, Bank Panin Agreement No. 13 dated June 6, 2018, Bank Panin
setuju memberikan Fasilitas Pinjaman Tetap XIV agreed to provide a Fixed Loan Facility XIV with
dengan jumlah maksimum dana yang disediakan maximum available fund amounting to Rp600,000,
sebesar Rp600.000 yang digunakan sebagai modal which used as consumer finance working capital.
kerja pembiayaan konsumen. Tanggal jatuh tempo The loan’s maturity date is 27 (twenty seven)
Fasilitas Pinjaman Tetap XIV adalah 27 (dua puluh months from the signing date of credit agreement.
tujuh) bulan sejak tanggal penandatanganan
perjanjian kredit.
puluh empat) bulan yang berlaku tetap selama period of Fixed Loan XIV.
jangka waktu Pinjaman Tetap XIV.
71
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Berdasarkan Surat No. 295/IBD/EXT/18 tanggal Based on Letter No. 295/IBD/EXT/18 dated June 29,
29 Juni 2018, Bank Panin menyesuaikan kondisi 2018, Bank Panin adjust the condition of Fixed Loan
tingkat suku bunga Fasilitas Pinjaman Tetap XIV, Facility XIV interest rate, the interest rate 9.00% per
dimana tingkat suku bunga sebesar 9,00% per annum during the loan period for 18 (eighteen)
tahun untuk jangka waktu pinjaman selama 18 months and 9.25% during the loan period for 24
(delapan belas) bulan dan 9,25% untuk jangka (twenty four) months, which remain valid for the
waktu pinjaman selama 24 (dua puluh empat) bulan period of Fixed Loan XIV.
yang berlaku tetap selama jangka waktu Pinjaman
Tetap XIV.
Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on June 5,
tanggal 5 Juni 2020. 2020.
Jaminan No. 9 tanggal 9 November 2018, Bank Agreement No. 9 dated November 9, 2018, Bank
Panin setuju memberikan Fasilitas Pinjaman Tetap Panin agreed to provide a Fixed Loan Facility XV
XV dengan jumlah maksimum dana yang disediakan with maximum available fund amounting to
kerja pembiayaan konsumen. Tanggal jatuh tempo working capital. The loan’s maturity date is 39 (thirty
Fasilitas Pinjaman Tetap XV adalah 39 (tiga puluh nine) months from the signing date of credit
sembilan) bulan sejak tanggal penandatangan agreement.
perjanjian kredit.
tahun untuk jangka waktu pinjaman selama 24 (dua (twenty four) months, and 10.00% per annum during
puluh empat) bulan, dan 10,00% per tahun untuk the loan period for 36 (thirty six) months, which
jangka waktu pinjaman selama 36 (tiga puluh enam) remain valid for the period of Fixed Loan XV.
bulan yang berlaku tetap selama jangka waktu
Pinjaman Tetap XV.
Berdasarkan Surat No. 309/IBD/EXT/20 tanggal Based on Letter No. 309/IBD/EXT/20 dated October
6 Oktober 2020, Bank Panin setuju untuk 6, 2020, Bank Panin agreed to adjust the condition
menyesuaikan kondisi tingkat suku bunga Fasilitas of Fixed Loan Facility XV interest rate, the interest
Pinjaman Tetap XV, dimana tingkat suku bunga rate 9.50% per annum during the loan period for 36
sebesar 9,50% per tahun untuk jangka waktu (thirty six) months, which remain valid for the period
pinjaman selama 36 (tiga puluh enam) bulan yang of Fixed Loan XV.
berlaku tetap selama jangka waktu Pinjaman Tetap
XV.
72
.05 .06 .07


kategori piutang yang tidak memiliki tunggakan lebih with category day past due not over than 30 (thirty)
dari 30 (tiga puluh) hari (Catatan 5), tidak dalam days (Note 5), not secured to any third party and
keadaan dijaminkan kepada pihak ketiga manapun also the object of financing should be covered by
juga serta objek pembiayaan harus diasuransikan insurance, maintain maximum debt to equity ratio of
mempertahankan rasio utang terhadap ekuitas tidak 10 times, and maintain maximum NPL ratio above
melebihi 10 kali, serta rasio NPL di atas 90 90 (ninety) days of 4.00%.
(sembilan puluh) hari maksimal 4,00%.
Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on
tanggal 3 Desember 2021. December 3, 2021.
Jaminan No. 8 tanggal 10 September 2019, Bank Agreement No. 8 dated September 10, 2019, Bank
Panin setuju memberikan Fasilitas Pinjaman Tetap Panin agreed to provide a Fixed Loan Facility XVI
XVI dengan jumlah maksimum dana yang with maximum available fund amounting to
disediakan sebesar Rp800.000 yang digunakan Rp800,000, which used as consumer finance
sebagai modal kerja pembiayaan konsumen. working capital. The loan’s maturity date is 27
Tanggal jatuh tempo Fasilitas Pinjaman Tetap XVI (twenty seven) months from the signing date of
adalah 27 (dua puluh tujuh) bulan sejak tanggal credit agreement.
penandatangan perjanjian kredit.
puluh empat) bulan yang berlaku tetap selama period of Fixed Loan XVI.
jangka waktu Pinjaman Tetap XVI.
Berdasarkan Surat No. 466/IBD/EXT/19 tanggal Based on Letter No. 466/IBD/EXT/19 dated
11 Desember 2019, Bank Panin setuju untuk December 11, 2019, Bank Panin agreed to adjust
menyesuaikan kondisi tingkat suku bunga Fasilitas the condition of Fixed Loan Facility XVI interest rate,
Pinjaman Tetap XVI, dimana tingkat suku bunga the interest rate 8.50% per annum during the loan
sebesar 8,50% per tahun untuk jangka waktu period for 18 (eighteen) months and 24 (twenty four)
pinjaman selama 18 (delapan belas) bulan dan 24 months, which remain valid for the period of Fixed
(dua puluh empat) bulan yang berlaku tetap selama Loan XVI.
jangka waktu Pinjaman Tetap XVI.
Berdasarkan Surat No. 010/IBD/EXT/20 tanggal Based on Letter No. 010/IBD/EXT/20 dated January
15 Januari 2020, Bank Panin kembali menyesuaikan 15, 2020, Bank Panin readjusted the condition of
kondisi tingkat suku bunga Fasilitas Pinjaman Tetap Fixed Loan Facility XVI interest rate, the interest rate
XVI, dimana tingkat suku bunga sebesar 8,25% per 8.25% per annum during the loan period for 18
tahun untuk jangka waktu pinjaman selama 18 (eighteen) months and 24 (twenty four) months,
(delapan belas) bulan dan 24 (dua puluh empat) which remain valid for the period of Fixed Loan XVI.
bulan yang berlaku tetap selama jangka waktu
Pinjaman Tetap XVI.
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kategori piutang yang tidak memiliki tunggakan lebih with category day past due not over than 30 (thirty)
dari 30 (tiga puluh) hari (Catatan 5), tidak dalam days (Note 5), not secured to any third party and
keadaan dijaminkan kepada pihak ketiga manapun also the object of financing should be covered by
juga serta objek pembiayaan harus diasuransikan insurance, maintain maximum debt to equity ratio of
mempertahankan rasio utang terhadap ekuitas tidak 10 times, and maintain maximum NPL ratio above
melebihi 10 kali, serta rasio NPL di atas 90 90 (ninety) days of 4.00%.
tanggal 10 Desember 2021. December 10, 2021.
Panin setuju memberikan Fasilitas Pinjaman Tetap Panin agreed to provide a Fixed Loan Facility XVII
XVII dengan jumlah maksimum dana yang with maximum available fund amounting to
sebagai modal kerja pembiayaan konsumen. working capital. The loan’s maturity date is 30 (thirty)
Tanggal jatuh tempo Fasilitas Pinjaman Tetap XVII months from the signing date of credit agreement.
adalah 30 (tiga puluh) bulan sejak tanggal
8,75% per tahun untuk jangka waktu pinjaman during the loan period for 24 (twenty four) months,
selama 24 (dua puluh empat) bulan yang berlaku which remain valid for the period of Fixed Loan XVII.
tetap selama jangka waktu Pinjaman Tetap XVII.
Berdasarkan Surat No. 381/IBD/EXT/20 tanggal Based on Letter No. 381/IBD/EXT/20 dated
1 Desember 2020, Bank Panin setuju untuk December 1, 2020, Bank Panin agreed to adjust the
menyesuaikan kondisi tingkat suku bunga Fasilitas condition of Fixed Loan Facility XVII interest rate,
Pinjaman Tetap XVII, tingkat suku bunga sebesar the interest rate at 8.00% per annum during the loan
8,00% per tahun untuk jangka waktu pinjaman period for 24 (twenty four) months, which remain
selama 24 (dua puluh empat) bulan yang berlaku valid for the period of Fixed Loan XVII.
Berdasarkan Surat No. 145/IBD/EXT/21 tanggal Based on Letter No. 145/IBD/EXT/21 dated May 4,
4 Mei 2021, Bank Panin setuju untuk kembali 2021, Bank Panin agreed to readjust the condition
menyesuaikan kondisi tingkat suku bunga Fasilitas of Fixed Loan Facility XVII interest rate, the interest
Pinjaman Tetap XVII, tingkat suku bunga sebesar rate at 7.00% per annum during the loan period for
7,00% per tahun untuk jangka waktu pinjaman 24 (twenty four) months, which remain valid for the
selama 24 (dua puluh empat) bulan yang berlaku period of Fixed Loan XVII.
Berdasarkan Surat No. 160/IBD/EXT/21 tanggal Based on Letter No. 160/IBD/EXT/21 dated May 19,
19 Mei 2021, Bank Panin setuju untuk kembali 2021, Bank Panin agreed to readjust the condition
menyesuaikan kondisi tingkat suku bunga Fasilitas of Fixed Loan Facility XVII interest rate, the interest
Pinjaman Tetap XVII, tingkat suku bunga sebesar rate at 6.75% per annum during the loan period for
6,75% per tahun untuk jangka waktu pinjaman 24 (twenty four) months, which remain valid for the
selama 24 (dua puluh empat) bulan yang berlaku period of Fixed Loan XVII.
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Berdasarkan Surat No. 277/IBD/EXT/21 tanggal Based on Letter No. 277/IBD/EXT/21 dated August
31 Agustus 2021, Bank Panin setuju untuk kembali 31, 2021, Bank Panin agreed to readjust the
menyesuaikan kondisi tingkat suku bunga Fasilitas condition of Fixed Loan Facility XVII interest rate,
Pinjaman Tetap XVII, tingkat suku bunga sebesar the interest rate at 6.125% per annum during the
6,125% per tahun untuk jangka waktu pinjaman loan period for 19 (nineteen) months, which remain
selama 19 (sembilan belas) bulan yang berlaku valid for the period of Fixed Loan XVII.
(Catatan 5), tidak dalam keadaan dijaminkan to any third party and also the object of financing
kepada pihak ketiga manapun juga serta objek should be covered by insurance, maintain maximum
pembiayaan harus diasuransikan mempertahankan debt to equity ratio of 10 times, and maintain
rasio utang terhadap ekuitas tidak melebihi 10 kali, maximum NPL net ratio above 90 (ninety) days of
serta rasio NPL neto di atas 90 (sembilan puluh) 3.00%.
hari maksimal 3,00%.
Panin setuju memberikan Fasilitas Pinjaman Tetap Panin agreed to provide a Fixed Loan Facility XVIII
XVIII dengan jumlah maksimum dana yang with maximum available fund amounting to
sebagai modal kerja pembiayaan konsumen. working capital. The loan’s maturity date is 30 (thirty)
Tanggal jatuh tempo Fasilitas Pinjaman Tetap XVIII months from the signing date of credit agreement.
adalah 30 (tiga puluh) bulan sejak tanggal
6,25% per tahun untuk jangka waktu pinjaman during the loan period for 24 (twenty four) months,
selama 24 (dua puluh empat) bulan yang berlaku which remain valid for the period of Fixed Loan
tetap selama jangka waktu Pinjaman Tetap XVIII. XVIII.
Berdasarkan Surat No. 339/IBD/EXT/21 tanggal Based on Letter No. 339/IBD/EXT/21 dated October
29 Oktober 2021, Bank Panin setuju untuk 29, 2021, Bank Panin agreed to readjust the
menyesuaikan kondisi tingkat suku bunga Fasilitas condition of Fixed Loan Facility XVIII interest rate,
Pinjaman Tetap XVIII, tingkat suku bunga sebesar the interest rate at 6.00% per annum during the loan
6,00% per tahun untuk jangka waktu pinjaman period for 24 (twenty four) months, which remain
selama 24 (dua puluh empat) bulan yang berlaku valid for the period of Fixed Loan XVIII.
tetap selama jangka waktu Pinjaman Tetap XVIII.
rasio utang terhadap ekuitas tidak melebihi 10 kali, maximum NPL net ratio above 90 (ninety) days of
serta rasio NPL neto di atas 90 (sembilan puluh) 3.00%.
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Pada tanggal 31 Desember 2021, Perusahaan As of December 31, 2021, the Company still has the
masih memiliki fasilitas pinjaman yang belum unused loan facility from Bank Panin amounting to
digunakan dari Bank Panin sebesar Rp550.000 Rp550,000 for Fixed Loan and Overdraft Loan
untuk Fasilitas Pinjaman Tetap dan Overdraft. Facility.
Untuk tahun yang berakhir pada tanggal-tanggal 31 For the years ended December 31, 2021 and 2020,
Desember 2021 dan 2020, Perusahaan melakukan the Company paid installment of bank loan to Bank
pembayaran angsuran utang bank kepada Bank Panin amounting to Rp1,118,397 and Rp1,000,634,
Panin masing-masing sebesar Rp1.118.397 dan respectively.
Rp1.000.634.
PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”) PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”)
Perjanjian Kredit berdasarkan Perjanjian Kredit dan Credit Agreement based on the Credit Agreement
Perjanjian Jaminan No. 43 tanggal 20 September and Security Agreement No. 43 dated September
2019, Bank Mandiri setuju memberikan Fasilitas 20, 2019, Bank Mandiri agreed to provide a Working
Pinjaman Kredit Modal Kerja dengan jumlah Capital Loan Facility which maximum available fund
maksimum dana yang disediakan sebesar amounting Rp500,000 which was used for working
Rp500.000 yang digunakan sebagai modal kerja capital for consumer financing. The maturity date of
pembiayaan konsumen. Tanggal jatuh tempo Working Capital Loan Facility is 12 (twelve) month
Fasilitas Pinjaman Kredit Modal Kerja adalah 12 from the signing date.
(dua belas) bulan sejak tanggal penandatangan.
Pinjaman ini dikenakan tingkat suku bunga sebesar The loan bears an interest rates 9.00% per annum,
9,00% per tahun untuk jangka waktu pinjaman during the loan period for 36 (thirty six) months and
selama 36 (tiga puluh enam) bulan dan 8,55% per 8.55% per annum, during the loan period for 48
tahun untuk jangka waktu pinjaman selama 48 (forty eight) months which remain valid for a period
(empat puluh delapan) bulan yang berlaku tetap of Working Capital Loan Facility.
selama jangka waktu Pinjaman Kredit Modal Kerja.
rasio utang terhadap ekuitas tidak melebihi 10 kali, maximum NPL ratio above 90 (ninety) days of
serta rasio NPL di atas 90 (sembilan puluh) hari 5.00%.
maksimal 5,00%.
Perjanjian Jaminan No. 56 tanggal 25 November and Security Agreement No. 56 dated November 25,
2020, Bank Mandiri setuju memberikan Fasilitas 2020, Bank Mandiri agreed to provide a Working
maksimum dana yang disediakan sebesar amounting to Rp250,000 which was used for
Rp250.000 yang digunakan sebagai modal kerja working capital for consumer financing. The maturity
pembiayaan konsumen. Tanggal jatuh tempo date of Working Capital Loan Facility is 60 (sixty)
Fasilitas Pinjaman Kredit Modal Kerja adalah 60 months from the signing date of Credit Agreement.
(enam puluh) bulan sejak tanggal penandatanganan
Perjanjian Kredit.
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8,50% per tahun untuk jangka waktu pinjaman during the loan period for 12 (twelve) months until
selama 12 (dua belas) sampai 48 (empat puluh 48 (forty eight) months which remain valid for a
delapan) bulan yang berlaku tetap selama jangka period of Working Capital Loan Facility.
waktu Pinjaman Kredit Modal Kerja.
Berdasarkan Surat No. CMB.CM5/MTA.0210/2021 Based on Letter No. CMB.CM5/MTA.0210/2021

tanggal 22 Maret 2021, Bank Mandiri setuju untuk dated March 22, 2021, Bank Mandiri agreed to
menyesuaikan kondisi tingkat suku bunga Fasilitas adjust the condition of Working Capital Loan Facility
Kredit Modal Kerja, tingkat suku bunga sebesar interest rate, the interest rate at 7.50% per annum,
Berdasarkan surat No CMB.CM5/MTA.564/2021 Based on Letter No. CMB.CM5/MTA.0564/2021

tanggal 12 Agustus 2021, Bank mandiri setuju untuk dated August 12, 2021, Bank Mandiri agreed to
kembali menyesuaikan kondisi tingkat suku bunga adjust the condition of Working Capital Loan Facility
Fasilitas Kredit Modal Kerja, tingkat suku bunga interest rate, the interest rate at 7.00% per annum,
sebesar 7,00% per tahun untuk jangka waktu during the loan period for 12 (twelve) months until
pinjaman selama 12 (dua belas) sampai 48 (empat 48 (forty eight) months which remain valid for a
puluh delapan) bulan yang berlaku tetap selama period of Working Capital Loan Facility.
jangka waktu Pinjaman Kredit Modal Kerja.
kategori piutang yang tidak memiliki tunggakan lebih with category day past due less than 90 (ninety)
rasio utang terhadap ekuitas tidak melebihi 10 kali, maximum NPL ratio above 90 (ninety) days of
serta rasio NPL di atas 90 (sembilan puluh) hari 5.00%.
maksimal 5,00%.
Perjanjian Jaminan No. 34 tanggal 24 September and Security Agreement No. 34 dated September
2021, Bank Mandiri setuju memberikan Fasilitas 24, 2021, Bank Mandiri agreed to provide a Working
maksimum dana yang disediakan sebesar amounting Rp250,000 which was used for working
Rp250.000 yang digunakan sebagai modal kerja capital for consumer financing. The maturity date of
pembiayaan konsumen. Tanggal jatuh tempo Working Capital Loan Facility is 50 (fifty) months
Fasilitas Pinjaman Kredit Modal Kerja adalah 50 from the signing date of Credit Agreement.
(lima puluh) bulan sejak tanggal penandatanganan
Perjanjian Kredit.
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Berdasarkan Surat No. CMB.CM5/MTA.0708/2021 Based on Letter No. CMB.CM5/MTA.0708/2021

tanggal 27 September 2021, Bank Mandiri setuju dated September 27, 2021, Bank Mandiri agreed to
untuk menyesuaikan kondisi tingkat suku bunga adjust the condition of Working Capital Loan Facility
Fasilitas Kredit Modal Kerja, tingkat suku bunga interest rate, the interest rate at 6.50% per annum,
sebesar 6,50% per tahun untuk jangka waktu during the loan period for 12 (twelve) months until
pinjaman selama 12 (dua belas) sampai 36 (tiga 36 (thirty six) months and 7.00% per annum, during
puluh enam) bulan dan 7,00% per tahun untuk the loan period for 48 (forty eight) months which
jangka waktu pinjaman selama 48 (empat puluh remain valid for a period of Working Capital Loan
delapan) bulan yang berlaku tetap selama jangka Facility.
kategori piutang yang memiliki tunggakan kurang with category less than 90 (ninety) days amounting
dari 90 (sembilan puluh) hari sebesar Rp234.800 to Rp234,800 (Note 5), not secured to any third party
(Catatan 5), tidak dalam keadaan dijaminkan and also the object of financing should be covered
kepada pihak ketiga manapun juga serta objek by insurance, maintain maximum debt to equity ratio
pembiayaan harus diasuransikan mempertahankan of 10 times, and maintain maximum NPL ratio above
rasio utang terhadap ekuitas tidak melebihi 10 kali, 90 (ninety) days of 5.00%.
serta rasio NPL di atas 90 (sembilan puluh) hari
maksimal 5,00%.
Pada tanggal 31 Desember 2021, Perusahaan telah As of December 31, 2021, Company has fully
menggunakan seluruh fasilitas pinjaman dari Bank utilized the loan facility from Bank Mandiri.
Mandiri.
pembayaran angsuran utang bank kepada Bank Mandiri amounting to Rp196,391 and Rp127,637,
Mandiri masing-masing sebesar Rp196.391 dan respectively.
Rp127.637.
PT Bank KEB Hana Indonesia (“KEB Hana”) PT Bank KEB Hana Indonesia (“KEB Hana”)
Berdasarkan Perjanjian Kredit dan Pengakuan Based on Credit Agreement and Acknowledgment
Hutang No. 105 tanggal 27 Juli 2017, KEB Hana of Debt No. 105 dated July 27, 2017, KEB Hana
setuju memberikan Fasilitas Kredit Working Capital agreed to provide Working Capital Installment (WCI)
Installment (WCI) IV dengan jumlah maksimum IV Credit Facility with maximum amount of
dana yang disediakan adalah sebesar Rp200.000. Rp200,000. The maturity of facility is 3 (three) years
Tanggal jatuh tempo fasilitas ini adalah 3 (tiga) from the credit withdrawal date and availability
tahun sejak tanggal pencairan kredit ditambah period for 2 (two) months from the signing date of
dengan availability period selama 2 (dua) bulan credit agreement.
sejak tanggal penandatanganan perjanjian kredit.
Pinjaman ini dikenakan tingkat suku bunga sebesar The loan bears interest rates 9.85% per annum, and
9,85% per tahun, dengan jaminan berupa piutang is secured with consumer financing receivables of
pembiayaan konsumen sebesar 100,00% dari 100.00% of the amount of credit facility with
jumlah pokok fasilitas kredit dengan kategori piutang category day past due not over than 90 (ninety) days
yang tidak memiliki tunggakan lebih dari 90 (Note 5), maintain maximum Gearing Ratio of 8
(sembilan puluh) hari (Catatan 5), mengharuskan times, and maintain maximum NPL ratio above 90
Perusahaan mempertahankan Gearing Ratio tidak (ninety) days of 5.00%.
melebihi 8 kali, dan mempertahankan rasio NPL
diatas 90 (sembilan puluh) hari maksimal 5,00%.
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Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on July 28,
tanggal 28 Juli 2020. 2020.
Hutang No. 151 tanggal 23 Mei 2018, KEB Hana of Debt No. 151 dated May 23, 2018, KEB Hana
setuju untuk memberikan Fasilitas Kredit Money agreed to provide Money Market Line
Market Line (Uncommitted) dengan jumlah (Uncommitted) Credit Facility with maximum
maksimum dana yang disediakan adalah sebesar amount of Rp100,000. The maturity of facility is 1
Rp100.000. Tanggal jatuh tempo fasilitas ini adalah (one) year from the signing date of credit agreement.
1 (satu) tahun sejak tanggal penandatanganan
perjanjian kredit.
Hutang No. 151 tanggal 23 Mei 2018, KEB Hana of Debt No. 151 dated May 23, 2018, KEB Hana
setuju memberikan Fasilitas Kredit Working Capital agreed to provide Working Capital Installment (WCI)
Installment (WCI) V dengan jumlah maksimum dana V Credit Facility with maximum amount of
yang disediakan adalah sebesar Rp250.000. Rp250,000. The maturity of facility is 3 (three) years
Tanggal jatuh tempo fasilitas ini adalah 3 (tiga) tahun from the credit withdrawal date and availability
sejak tanggal pencairan kredit ditambah dengan period for 3 (three) months from the signing date of
availability period selama 3 (tiga) bulan sejak tanggal credit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar The loan bears interest rates 9.00% per annum,
9,00% per tahun, efektif mengambang (floating), floating, and is secured with consumer financing
dengan jaminan berupa piutang pembiayaan receivables of 100.00% of the amount of credit
konsumen sebesar 100,00% dari jumlah pokok facility with category day past due not over than 90
fasilitas kredit dengan kategori piutang yang tidak (ninety) days (Note 5), maintain maximum Gearing
memiliki tunggakan lebih dari 90 (sembilan puluh) Ratio of 8 times, and maintain maximum NPL ratio
hari (Catatan 5), mempertahankan Gearing Ratio above 90 (ninety) days of 5.00%.
tidak melebihi 8 kali, dan mempertahankan rasio
NPL diatas 90 (sembilan puluh) hari maksimal
5,00%.
Berdasarkan Surat dari Bank No. 31/133/CB/M Based on Letter of Bank No. 31/133/CB/M dated
tanggal 22 April 2019, pinjaman ini mengalami April 22, 2019, credit interest rate of this loan has
kenaikan suku bunga kredit menjadi 9,75% per been increased to 9.75% per annum which effective
tahun yang berlaku efektif pada tanggal 24 April dated April 24, 2019.
2019.
Saldo pinjaman telah lunas dipercepat pada tanggal The loan has been early fully paid on September 29,
29 September 2020. 2020.
Berdasarkan Perjanjian Kredit dan Pengakuan Based on the Credit Agreement and
Hutang No. 53 tanggal 10 Mei 2019, KEB Hana Acknowledgment of Debt No. 53 dated May 10,
setuju memberikan Fasilitas Kredit Working Capital 2019, KEB Hana agreed to provide the Working
Installment (WCI) VI dengan jumlah maksimum Capital Installment (WCI) VI Credit Facility with
dana yang disediakan adalah sebesar Rp250.000. maximum amount of Rp250,000. The maturity of
Tanggal jatuh tempo fasilitas ini adalah 3 (tiga) facility is 3 (three) years from the credit withdrawal
tahun sejak tanggal pencairan kredit ditambah date and availability period of 3 (three) months from
dengan availability period selama 3 (tiga) bulan signing date of credit agreement.
sejak tanggal penandatanganan perjanjian kredit.
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10,00% per tahun, efektif mengambang (floating), floating, and is secured with consumer financing
dengan jaminan berupa piutang pembiayaan receivables of 100.00% of the amount of credit
konsumen sebesar 100,00% dari jumlah pokok facility with category day past due not over than 90
fasilitas kredit dengan kategori piutang yang tidak (ninety) days (Note 5), maintain maximum the
memiliki tunggakan lebih dari 90 (sembilan puluh) Gearing Ratio of 8 times, and maintain maximum
hari (Catatan 5), mempertahankan Gearing Ratio NPL ratio above 90 (ninety) days of 5.00%.
tidak melebihi 8 kali, dan mempertahankan rasio
NPL diatas 90 (sembilan puluh) hari maksimal
5,00%.
Berdasarkan Surat No. 32/081/CB/M tanggal 10 Based on Letter No. 32/081/CB/M dated February
Februari 2020, pinjaman ini mengalami penurunan 10, 2020, this loan has decreased in credit interest
suku bunga kredit menjadi 9,75% per tahun yang rate to 9.75% per annum which effective from
berlaku efektif sejak tanggal 25 Februari 2020. February 25, 2020.
Saldo pinjaman telah lunas dipercepat pada tanggal The loan has been early fully paid on October 1,
1 Oktober 2020. 2020.
Berdasarkan Perjanjian Kredit dan Pengakuan Based on the Credit Agreement and
Hutang No. 53 tanggal 10 Mei 2019, KEB Hana Acknowledgment of Debt No. 53 dated May 10,
setuju untuk memberikan Fasilitas Kredit Money 2019, KEB Hana agreed to provide the Money
Market Line (Uncommitted) dengan jumlah Market Line (Uncommitted) Credit Facility with
maksimum dana yang disediakan adalah sebesar maximum amount of Rp100,000. The maturity of
Rp100.000. Tanggal jatuh tempo fasilitas ini adalah facility is 1 (one) year from signing date of credit
1 (satu) tahun sejak tanggal penandatanganan agreement.
perjanjian kredit.
Berdasarkan Perjanjian Kredit No. 371/PK/2020 Based on Credit Agreement No. 371/PK/2020 dated
tanggal 27 Mei 2020, KEB Hana setuju untuk May 27, 2020, KEB Hana agreed to extend the
memperpanjang Fasilitas Kredit Money Market Line Money Market Line (Uncommitted) Credit Facility
(Uncommitted) dengan jumlah maksimum dana with maximum amount of Rp100,000 which matured
yang disediakan adalah sebesar Rp100.000 yang on May 23, 2021.
telah jatuh tempo pada tanggal 23 Mei 2021.
Berdasarkan Perjanjian Kredit No. 355/PK/2021 Based on Credit Agreement No. 355/PK/2021 dated
tanggal 19 Mei 2021, KEB Hana setuju untuk May 19, 2021, KEB Hana agreed to extend the
memperpanjang Fasilitas Kredit Money Market Line Money Market Line (Uncommitted) Credit Facility
(Uncommitted) dengan jumlah maksimum dana with maximum amount of Rp100,000 which will
yang disediakan adalah sebesar Rp100.000 yang mature on May 23, 2022.
akan jatuh tempo pada tanggal 23 Mei 2022.
Pada tanggal 31 Desember 2021, Perusahaan telah As of December 31, 2021, the Company has fully
menggunakan seluruh fasilitas pinjaman dari KEB utilized the loan facility from KEB Hana.
Hana.
Desember 2021 dan 2020, Perusahaan melakukan the Company paid installment of bank loan to KEB
pembayaran angsuran utang bank kepada KEB Hana amounting to Rp100,000 and Rp477,499,
Hana masing-masing sebesar Rp100.000 dan respectively.
Rp477.499.
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PT Bank CTBC Indonesia (“Bank CTBC”) PT Bank CTBC Indonesia (“Bank CTBC”)
Berdasarkan Perjanjian Kredit No. 95 tanggal 18 Based on the Credit Agreement No. 95 dated
Desember 2019, Bank CTBC setuju untuk December 18, 2019, Bank CTBC agreed to provide
memberikan Fasilitas Pinjaman Jangka Menengah an Intermediate Term Loan Facility with maximum
dengan jumlah maksimum dana yang disediakan available fund amounting to Rp300,000, which was
adalah sebesar Rp300.000 untuk keperluan modal used for consumer finance working capital. The
kerja pembiayaan konsumen. Tanggal jatuh tempo loan’s maturity date is 36 (thirty six) months from the
fasilitas ini adalah 36 (tiga puluh enam) bulan dari last withdrawal date.
tanggal penarikan terakhir.
8,75% per tahun untuk jangka waktu pinjaman during the loan period for 36 (thirty six) months,
selama 36 (tiga puluh enam) bulan yang berlaku which remain valid for a period of Intermediate Term
tetap selama jangka waktu Fasilitas Pinjaman Loan Facility .
Jangka Menengah.
Berdasarkan Surat tanggal 17 Januari 2020, Bank Based on the Letter dated January 17, 2020, Bank
CTBC setuju untuk menyesuaikan kondisi tingkat CTBC agreed to adjust the interest rate condition for
suku bunga Fasilitas Pinjaman Jangka Menengah the Medium Term Loan Facility amounting to 8.55%
menjadi sebesar 8,55% per tahun untuk jangka per annum during the loan period for 36 (thirty six)
waktu pinjaman selama 36 (tiga puluh enam) bulan months, which remain valid for the period of Medium
yang berlaku tetap selama jangka waktu Fasilitas Term Loan Facility.
Pinjaman Jangka Menengah.
Berdasarkan Surat tanggal 26 Februari 2020, Bank Based on the Letter dated February 26, 2020, Bank
CTBC kembali menyesuaikan kondisi tingkat suku CTBC readjusted the interest rate for the Medium-
bunga Fasilitas Pinjaman Jangka Menengah Term Loan Facility amounting to 8.40% per annum
menjadi sebesar 8,40% per tahun untuk jangka during the loan period for 36 (thirty six) months,
waktu pinjaman selama 36 (tiga puluh enam) bulan which remain valid for the period of Medium Term
yang berlaku tetap selama jangka waktu Fasilitas Loan Facility.
Pinjaman Jangka Menengah.
sebesar 100,00% dari pinjaman yang belum dilunasi 100.00% of the total amount of the outstanding loan
dengan kategori piutang yang tidak memiliki with category day past due not over than 30 (thirty)
tunggakan lebih dari 30 (tiga puluh) hari sebesar days amounting to Rp62,500 (Note 5), not secured
Rp62.500 (Catatan 5), tidak dalam keadaan to any third party and also the object of financing
dijaminkan pada pihak ketiga manapun dan harus should be covered by insurance, maintain maximum
objek pembiayaan diasuransikan, mengharuskan debt to equity ratio of 8 times, and maintain
perusahaan untuk mempertahankan rasio utang maximum NPL ratio above 90 (ninety) days of
terhadap ekuitas tidak melebihi 8 kali, serta 5.00%.
mempertahankan rasio NPL di atas 90 (sembilan
Berdasarkan Akta Perubahan atas Perjanjian Kredit Based on Amandement of the Credit Agreement No.
No. 111 tanggal 29 Desember 2021, Bank CTBC 111 dated December 29, 2021, Bank CTBC agreed
setuju untuk memberikan Fasilitas Pinjaman Jangka to provide an Short Term Loan Facility with
Pendek (Short Term Loan) dengan jumlah maximum available fund amounting to Rp200,000,
maksimum dana yang disediakan adalah sebesar which was used for consumer finance working
Rp200.000 untuk keperluan modal kerja capital. The loan’s maturity date is 12 (twelve)
pembiayaan konsumen. Tanggal jatuh tempo months from the date Credit Agreement was signed.
fasilitas ini adalah 12 (dua belas) bulan dari tanggal
Perjanjian Kredit ditandatangani.
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PT Bank CTBC Indonesia (“Bank CTBC”) (lanjutan) PT Bank CTBC Indonesia (“Bank CTBC”)
(continued)
Pinjaman ini dikenakan tingkat suku bunga yang The loan bears interest rate will determined before
akan ditentukan sebelum dilakukan pencairan disbursing the loan.
pinjaman.
tunggakan lebih dari 30 (tiga puluh) hari (Catatan 5), days (Note 5), not secured to any third party and also
tidak dalam keadaan dijaminkan pada pihak ketiga the object of financing should be covered by
manapun dan harus objek pembiayaan insurance, maintain maximum debt to equity ratio of
diasuransikan, mengharuskan perusahaan untuk 8 times, and maintain maximum NPL net ratio above
mempertahankan rasio utang terhadap ekuitas tidak 90 (ninety) days of 3.00%.
melebihi 8 kali, serta mempertahankan rasio NPL
net di atas 90 (sembilan puluh) hari maksimal 3,00%.
Pada tanggal 31 Desember 2021, Perusahaan As of December 31, 2021, the Company still has
masih memiliki fasilitas pinjaman yang belum unused loan facility from Bank CTBC amounting to
digunakan dari Bank CTBC sebesar Rp200.000 Rp200,000 for Short Term Loan Facility.
untuk Fasilitas Pinjaman Short Term Loan.
pembayaran angsuran utang bank kepada Bank CTBC amounting to Rp162,500 and Rp75,000,
CTBC masing-masing sebesar Rp162.500 dan respectively.
Rp75.000.
PT Bank DBS Indonesia (“DBS”) PT Bank DBS Indonesia (“DBS”)
Berdasarkan Perjanjian Kredit No. 20 tanggal Based on Credit Agreement No. 20 dated February
27 Februari 2019, DBS setuju untuk memberikan 27, 2019, DBS agreed to provide Banking Facility
Fasilitas Perbankan dengan jumlah maksimum dana with maximum amount of Rp150,000, which was
yang disediakan adalah sebesar Rp150.000 untuk used for consumer finance working capital. The
keperluan modal kerja pembiayaan konsumen. maturity of facility is 12 (twelve) months from the last
Tanggal jatuh tempo fasilitas ini adalah 12 (dua withdrawal date.
belas) bulan sejak tanggal penarikan terakhir.
9,00% per tahun untuk jangka waktu pinjaman during the loan period for 12 (twelve) months, which
selama 12 (dua belas) bulan yang berlaku tetap remain valid for a period of Banking Facility.
selama jangka waktu Fasilitas Perbankan.
Rp150.000 (Catatan 5), tidak dalam keadaan to any third party, and maintain maximum debt to
dijaminkan pada pihak ketiga manapun, dan equity ratio of 7 times.
mempertahankan rasio utang terhadap ekuitas tidak
melebihi 7 kali.
Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on February
tanggal 27 Februari 2020. 27, 2020.
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PT Bank DBS Indonesia (“DBS”) (lanjutan) PT Bank DBS Indonesia (“DBS”) (continued)
Berdasarkan Perubahan Pertama atas Perjanjian Based on the First Amendment of Banking Facility
Fasilitas Perbankan No. 021/PFPA-DBSI/I/1-2/2020 Agreement No. 021/PFPA-DBSI/I/1-2/2020 dated
tanggal 28 Januari 2020, DBS setuju untuk January 28, 2020, DBS agreed to provide Banking
memberikan Fasilitas Perbankan dalam bentuk Facility on Uncommited Revolving Credit Facility
Uncommited Revolving Credit Facility dengan with available fund amounting to Rp250,000 which
jumlah dana yang disediakan adalah sebesar was used for working capital for consumer financing.
Rp250.000 untuk keperluan modal kerja This facility has been ended on October 31, 2020 or
pembiayaan konsumen. Fasilitas ini telah berakhir other dates where Banking Facility terminates early.
pada tanggal 31 Oktober 2020 atau tanggal lain
dimana Fasilitas Perbankan diakhiri lebih awal.
9,00% per tahun untuk jangka waktu pinjaman during the loan period for 6 (six) months, which
selama 6 (enam) bulan yang berlaku tetap selama remain valid for the period of Banking Facility.
jangka waktu Fasilitas Perbankan.
tunggakan lebih dari 30 (tiga puluh) hari (Catatan 5), days (Note 5), not secured to any third party, and
tidak dalam keadaan dijaminkan pada pihak ketiga maintain maximum debt to equity ratio of 7 times.
manapun, dan mempertahankan rasio utang
terhadap ekuitas tidak melebihi 7 kali.
tanggal 30 September 2020. September 30, 2020.
Berdasarkan Perubahan Kedua atas Perjanjian Based on the Second Amendment of Banking
Fasilitas Perbankan No. 184/PFPA-DBSI/XI/1- Facility Agreement No. 184/PFPA-DBSI/XI/1-
2/2020 tanggal 30 November 2020, DBS setuju 2/2020 dated November 30, 2020, DBS agreed to
untuk memberikan Fasilitas Perbankan dalam provide Banking Facility on Uncommited Revolving
bentuk Uncommited Revolving Credit Facility Credit Facility with available fund amounting to
dengan jumlah dana yang disediakan adalah Rp150,000 which was used for working capital for
sebesar Rp150.000 untuk keperluan modal kerja consumer financing. This facility will be ended on
pembiayaan konsumen. Fasilitas ini akan berakhir October 31, 2021 or other dates where Banking
pada tanggal 31 Oktober 2021 atau tanggal lain Facility terminates early.
dimana Fasilitas Perbankan diakhiri lebih awal.
Berdasarkan Surat dari Bank No. Based on Letter of Bank No. 6678/XI/DBSI/IBG-
6678/XI/DBSI/IBG-JKT/2021 tanggal 9 November JKT/2021 dated November 9, 2021, DBS agreed to
2021, DBS telah memperpanjang tanggal jatuh adjust the maturity date of agreement for a periods
tempo perjanjian untuk jangka waktu 3 (tiga) bulan of 3 (three) months from November 1, 2021 until
terhitung sejak tanggal 1 November 2021 sampai January 31, 2022.
tanggal 31 Januari 2022.
Berdasarkan Perubahan ketiga atas Perjanjian Based on the third amandement of Banking Facility
Fasilitas Perbankan No. 013/PFPA-DBSI/I/1-2/2022 Agreement No. 013/PFPA-DBSI/I/1-2/2022 dated
tanggal 17 Januari 2022, DBS telah memperpanjang January 17, 2022, DBS agreed to adjust the maturity
tanggal jatuh tempo perjanjian yang mulai berlaku date of agreement from November 1, 2021 until
pada tanggal 1 November 2021 dan akan berakhir October 31, 2022.
pada tanggal 31 Oktober 2022.
Pinjaman ini dikenakan tingkat suku bunga yang The loan bears an interest rate that will be
akan ditentukan pada saat penarikan fasilitas determined at the time of drawdown of the loan
pinjaman. facility.
83
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PT Bank DBS Indonesia (“DBS”) (lanjutan) PT Bank DBS Indonesia (“DBS”) (continued)
Rp50.001 (Catatan 5), tidak dalam keadaan to any third party, and maintain maximum debt to
dijaminkan pada pihak ketiga manapun, dan equity ratio of 7 times.
mempertahankan rasio utang terhadap ekuitas tidak
melebihi 7 kali.
Pada tanggal 31 Desember 2021, Perusahaan As of December 31, 2021, the Company still has the
masih memiliki fasilitas pinjaman yang belum unused facility from DBS amounting to Rp100,000.
digunakan dari DBS sebesar Rp100.000.
Desember 2021 dan 2020, Perusahaan melakukan the Company paid installment of bank loan to DBS
pembayaran angsuran utang bank kepada DBS amounting to Rpnil and Rp300,000, respectively.
masing-masing sebesar Rpnihil dan Rp300.000.
PT Bank Permata Tbk (“Bank Permata”) PT Bank Permata Tbk (“Bank Permata”)
Berdasarkan Akta Perjanjian Pemberian Fasilitas Based on the Deed of Banking Credit Facility
Perbankan No. 51 tanggal 28 September 2017, Agreement No. 51 dated September 28, 2017, Bank
Bank Permata setuju memberikan Fasilitas Term Permata agreed to provide Term Loan 1 (TL 1) with
Loan 1 (TL 1) dengan jumlah maksimum dana yang maximum available fund amounting to Rp345,000.
disediakan adalah sebesar Rp345.000. Tanggal The maturity of facility is 42 (forty two) months from
jatuh tempo fasilitas ini adalah 42 (empat puluh dua) the signing date of credit agreement. The loan bears
bulan sejak tanggal penandatanganan perjanjian fixed interest rate per withdrawal according to the
kredit. Pinjaman ini dikenakan tingkat suku bunga Bank’s assessment. The interest rates for
tetap per penarikan sesuai ketetapan Bank. Tingkat withdrawed facilities are ranging from 8.50% -
suku bunga yang dikenakan atas fasilitas yang 9.25%.
ditarik berkisar antara 8,50% - 9,25%.
Pinjaman tersebut dijamin dengan jaminan fidusia The agreement is secured by fiduciary transfer of the
atas piutang pembiayaan konsumen minimal Company’s receivables from customers with a
sebesar 100,00% dari jumlah pokok fasilitas kredit minimum of 100.00% of the total amount of credit
dengan kategori piutang yang tidak memiliki facility with category day past due not over than 90
tunggakan lebih dari 90 (sembilan puluh) hari (ninety) days amounting to Rp2,209 (Note 5), not
sebesar Rp2.209 (Catatan 5), tidak dalam keadaan secured to any third party, maintain maximum debt
dijaminkan kepada pihak ketiga manapun, to equity ratio of 8 times, and maintain maximum
mempertahankan rasio utang terhadap ekuitas tidak NPL ratio above 90 (ninety) days of 4.00%.
melebihi 8 kali, dan mempertahankan rasio NPL
diatas 90 (sembilan puluh) hari maksimal 4,00%.
tanggal 6 November 2020. November 6, 2020.
Berdasarkan Akta Perubahan Pertama Perjanjian Based on the First Amendment of Deed of Banking
Pemberian Fasilitas Perbankan No. 46 tanggal Credit Facility Agreement No. 46 dated February 27,
27 Februari 2018, Bank Permata setuju memberikan 2018, Bank Permata agreed to provide Term Loan 2
Fasilitas Term Loan 2 (TL 2) dengan jumlah (TL 2) with maximum available fund amounting to
maksimum dana yang disediakan adalah sebesar Rp400,000. The maturity of facility is 42 (forty two)
Rp400.000. Tanggal jatuh tempo fasilitas ini adalah months from the signing date of credit agreement.
42 (empat puluh dua) bulan sejak tanggal The loan bears fixed interest rate per withdrawal
penandatanganan perjanjian kredit. Pinjaman ini according to the Bank assessment. The interest rate
dikenakan tingkat suku bunga tetap per penarikan for withdrawed facility is 8.80%.
sesuai ketetapan Bank. Tingkat suku bunga yang
dikenakan atas fasilitas yang ditarik adalah 8,80%.
84
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PT Bank Permata Tbk (“Bank Permata”) (lanjutan) PT Bank Permata Tbk (“Bank Permata”) (continued)
sebesar 100,00% dari jumlah pokok fasilitas kredit minimum of 100.00% of the amount of credit facility
dengan kategori piutang yang tidak memiliki with category day past due not over than 90 (ninety)
tunggakan lebih dari 90 (sembilan puluh) hari days (Note 5), not secured to any third party,
(Catatan 5), tidak dalam keadaan dijaminkan maintain maximum debt to equity ratio of 8 times,
kepada pihak ketiga manapun, mempertahankan and maintain maximum NPL ratio above 90 (ninety)
rasio utang terhadap ekuitas tidak melebihi 8 kali, days of 4.00%.
dan mempertahankan rasio NPL diatas 90
tanggal 26 Februari 2021. February 26, 2021.
Berdasarkan Akta Perjanjian Kredit (Fasilitas Money Based on the Deed of Credit Facility Agreement
Market) No. 07 tanggal 8 Juni 2021, Bank Permata (Money Market Loan) No. 07 dated June 8, 2021,
setuju memberikan Fasilitas Money Market Line Bank Permata agreed to provide Money Market Line
(MML) dengan jumlah maksimum dana yang (MML) with maximum available fund amounting to
disediakan adalah sebesar Rp200.000. Tanggal Rp200,000. The maturity of facility is 12 (twelve)
jatuh tempo fasilitas ini adalah 12 (dua belas) bulan months from the signing date of credit agreement.
sejak tanggal penandatanganan perjanjian kredit. The loan bears fixed interest rate per withdrawal
Pinjaman ini dikenakan tingkat suku bunga tetap per according to the Bank assessment.
penarikan sesuai ketetapan Bank.
Berdasarkan Akta perubahan Perjanjian Kredit Based on the Amendment of Credit Facility
Fasilitas Money Market No. 05 tanggal 2 November Agreement (Money Market Loan) No. 05 dated
2021, Bank Permata setuju untuk memperpanjang November 2, 2021, Bank Permata agreed to extend
jangka waktu fasilitas terhitung sejak tanggal 8 Juni the term of the facility starting from June 8, 2022 until
2022 sampai tanggal 31 Januari 2023. January 31, 2023.
dengan kategori piutang memiliki tunggakan kurang with category less than 90 (ninety) days amounting
dari 90 (sembilan puluh) sebesar Rp200.001 to Rp200,001 (Note 5), not secured to any third
(Catatan 5), tidak dalam keadaan dijaminkan party, maintain maximum debt to equity ratio of 8
kepada pihak ketiga manapun, mempertahankan times, and maintain maximum NPL ratio above 90
rasio utang terhadap ekuitas tidak melebihi 8 kali, (ninety) days of 4.00%.
dan mempertahankan rasio NPL diatas 90
Berdasarkan Akta Perjanjian Pemberian Fasilitas Based on the Deed of Credit Facility Agreement No.
Perbankan No. 06 tanggal 2 November 2021, Bank 06 dated November 2, 2021, Bank Permata agreed
Permata setuju memberikan Fasilitas Term Loan 3 to provide Term Loan 3 (TL 3) with maximum
(TL 3) dengan jumlah maksimum dana yang available fund amounting to Rp300,000. The
disediakan adalah sebesar Rp300.000. Tanggal maturity of facility is 42 (forty two) months from the
jatuh tempo fasilitas ini adalah 42 (empat puluh dua) signing date of credit agreement. The loan bears
bulan sejak tanggal penandatanganan perjanjian fixed interest rate per withdrawal according to the
kredit. Pinjaman ini dikenakan tingkat suku bunga Bank assessment.
tetap per penarikan sesuai ketetapan Bank.
85
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PT Bank Permata Tbk (“Bank Permata”) (lanjutan) PT Bank Permata Tbk (“Bank Permata”) (continued)
dengan kategori piutang memiliki tunggakan kurang with category less than 90 (ninety) days amounting
dari 90 (sembilan puluh) sebesar Rp50.001 (Catatan to Rp50,001 (Note 5), not secured to any third party,
5), tidak dalam keadaan dijaminkan kepada pihak maintain maximum debt to equity ratio of 8 times,
ketiga manapun, mempertahankan rasio utang and maintain maximum NPL ratio above 90 (ninety)
terhadap ekuitas tidak melebihi 8 kali, dan days of 4.00%.
masih memiliki fasilitas pinjaman yang belum unused loan facility from Bank Permata amounting
digunakan dari Bank Permata sebesar Rp450.000 to Rp450,000 for Term Loan 3 (TL 3) and Money
untuk Fasilitas Term Loan 3 (TL 3) dan Fasilitas Market Loan Facility.
Money Market Line.
pembayaran angsuran utang bank kepada Bank Permata amounting to Rp175,089 and Rp210,107,
Permata masing-masing sebesar Rp175.089 dan respectively.
Rp210.107.
PT Bank HSBC Indonesia (“HSBC”) PT Bank HSBC Indonesia (“HSBC”)
Berdasarkan Perjanjian Kredit No. Based on the Credit Agreement No.

JAK/100450/U/00149781 tanggal 6 Oktober 2010, JAK/100450/U/00149781 dated October 6, 2010,
HSBC setuju untuk memberikan Fasilitas Pinjaman HSBC agreed to provide Working Capital Loan
Modal Kerja (Corporate Facility Agreement (“CFA”)) Facility (Corporate Facility Agreement (“CFA”)) with
dengan jumlah maksimum dana yang disediakan maximum available fund amounting to Rp200,000,
adalah sebesar Rp200.000 untuk keperluan which was used for motor vehicle financing. The loan
pembiayaan kendaraan roda dua. Pinjaman ini bears interest rate at 10.25% per annum and will be
dikenakan tingkat suku bunga sebesar 10,25% per fluctuated based on Bank’s assessment.
tahun dan akan berfluktuasi sesuai ketetapan Bank.
Pinjaman ini ditujukan untuk membiayai modal kerja The purpose of this loan is to fund the Company’s
jangka pendek Perusahaan dan bersifat berulang. short term working capital and revolving basis.
Jangka waktu dari setiap pinjaman adalah maksimal Tenor of each loan is maximum 1 (one) year from
1 (satu) tahun terhitung sejak tanggal pencairan dan disbursement date and each tranche should be in a
setiap tranche harus berjumlah minimal sebesar minimum of Rp5,000 and principal loan will be paid
Rp5.000 dan pinjaman pokok dibayar secara monthly.
bulanan.
Berdasarkan Surat Fasilitas Perbankan - Tanggal Based on Letter of Banking Facility -

Peninjauan Kembali Fasilitas No. Reconsideration Facility Date No.
JAK/14103/U/140716 tanggal 20 Oktober 2014, JAK/14103/U/140716 dated October 20, 2014, this
fasilitas ini dapat ditinjau kembali setiap saat dan facility can be reconsidered at any time and in any
dalam kondisi apapun dan fasilitas ini dapat ditarik condition and this facility can be withdrawn not later
paling lambat tanggal 31 Oktober 2015. than October 31, 2015.

JAK/150921/U/150630 tanggal 12 Oktober 2015, JAK/150921/U/150630 dated October 12, 2015, this
paling lambat tanggal 31 Oktober 2016. than October 31, 2016.
86
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PT Bank HSBC Indonesia (“HSBC”) (lanjutan) PT Bank HSBC Indonesia (“HSBC”) (continued)

JAK/190257/U/180823 tanggal 16 Mei 2019, JAK/190257/U/180823 dated May 16, 2019 this
paling lambat tanggal 15 Juli 2019. Sampai dengan than July 15, 2019. Up to the completion of the
tanggal laporan keuangan, fasilitas tersebut sedang financial statements, the facility is currently on
dalam proses perpanjangan dan fasilitas tersebut extension progress and the facility is still valid
masih berlaku sesuai dengan Surat No. according to Letter No. CDT/2020/03/0420 dated
CDT/2020/03/0420 tanggal 9 Maret 2020. March 9, 2020.
atas piutang pembiayaan konsumen minimal the Company’s net receivables from customers at
sebesar 100,00% dari total pokok pinjaman sebesar 100.00% of the total amount of the outstanding loan
Rp50.000 (Catatan 5), dan mempertahankan amounting to Rp50,000 (Note 5), and maintain
Gearing Ratio tidak melebihi 10 kali. maximum Gearing Ratio of 10 times.
masih memiliki fasilitas pinjaman yang belum unused loan facility from HSBC amounting to
digunakan dari HSBC sebesar Rp150.000. Rp150,000.
Desember 2021 dan 2020, Perusahaan melakukan the Company paid installment of bank loan to HSBC
pembayaran angsuran utang bank kepada HSBC amounting to Rp200,000 and Rp350,000,
masing-masing sebesar Rp200.000 dan Rp350.000. respectively.
PT Bank Central Asia Tbk (“BCA”) PT Bank Central Asia Tbk (“BCA”)
20 Oktober 2010, BCA setuju untuk memberikan October 20, 2010, BCA agreed to provide Credit
Fasilitas Kredit dalam bentuk Kredit Lokal (Rekening Facilities in the form of Local Credit (Current
Koran) dan Installment Loan (“Fasilitas Installment Account) and Installment Loan Facility (“Installment
Loan 1”) dengan jumlah maksimum dana yang Loan Facility 1”) with maximum available fund
disediakan sebesar Rp25.000 dan Rp200.000 untuk amounting to Rp25,000 and Rp200,000, which were
keperluan modal kerja pembiayaan piutang used for consumer finance working capital as motor
kendaraan roda dua. vehicle financing.
Perjanjian Kredit untuk Fasilitas Kredit Lokal The Agreement for the Local Credit (Current
(Rekening Koran) dan Installment Loan ini telah Account) and Installment Loan Facilities have been
mengalami beberapa kali perpanjangan, pada extended several times, on March 19, 2018, the
tanggal 19 Maret 2018, Perusahaan telah Company has secured additional facilities under the
mendapatkan penambahan fasilitas berdasarkan eight amendment of Credit Agreement No. 31 where
perubahan ke delapan Perjanjian Kredit No. 31 BCA agreed to increased the credit facility in the
dimana BCA setuju untuk penambahan fasilitas form of Installment Loan Facility (“Installment Loan
kredit berupa Fasilitas Installment Loan (“Fasilitas Facility 6”) with maximum available fund amounting
Installment Loan 6”) dengan jumlah maksimum dana to Rp500,000 with a maximum maturity of 3 (three)
yang disediakan adalah sebesar Rp500.000 yang years from the date of any related withdrawal. The
akan jatuh tempo maksimum 3 (tiga) tahun sejak credit facility bears interest rate which will be
tanggal setiap penarikan yang terkait. Pinjaman ini determined upon withdrawal.
dikenakan tingkat suku bunga yang akan ditentukan
pada saat penarikan.
87
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PT Bank Central Asia Tbk (“BCA”) (lanjutan) PT Bank Central Asia Tbk (“BCA”) (continued)
Perjanjian atas Fasilitas Installment Loan (“Fasilitas The agreement for Installment Loan Facility
Installment Loan 6”) tersebut dijamin dengan (“Installment Loan Facility 6”) was secured by
jaminan fidusia atas piutang pembiayaan konsumen fiduciary transfer of the Company’s receivables from
minimal sebesar 100,00% dari total pokok pinjaman customers at 100.00% of the total amount of the
dengan kategori piutang yang tidak memiliki outstanding loan with category day past due not
tunggakan lebih dari 30 (tiga puluh) hari (Catatan 5), over than 30 (thirty) days (Note 5), requires the
mengharuskan Perusahaan untuk mempertahankan Company to maintain maximum Gearing Ratio of 8
Gearing Ratio tidak melebihi 8 kali, serta times, and maintain maximum NPL ratio above 60
mempertahankan rasio NPL diatas 60 (enam puluh) (sixty) days of 5.00%.
Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on March
tanggal 21 Maret 2021. 21, 2021.
Pada tanggal 13 Maret 2019, Perusahaan telah On March 13, 2019, the Company has secured
mendapatkan penambahan fasilitas berdasarkan additional facilities under the nine amendment of
perubahan ke sembilan Perjanjian Kredit No. 37 Credit Agreement No. 37 where BCA agreed to
dimana BCA setuju untuk penambahan fasilitas increased the credit facility in the form of Installment
kredit berupa Fasilitas Installment Loan (“Fasilitas Loan Facility (“Installment Loan Facility 7”) with
Installment Loan 7”) dengan jumlah maksimum dana maximum available fund amounting to Rp500,000
yang disediakan adalah sebesar Rp500.000 yang with a maximum maturity of 3 (three) years from the
akan jatuh tempo maksimum 3 (tiga) tahun sejak date of any related withdrawal. The credit facility
tanggal setiap penarikan yang terkait. Pinjaman ini bears interest rate which will be determined upon
dikenakan tingkat suku bunga yang akan ditentukan withdrawal.
pada saat penarikan.
Perjanjian atas Fasilitas Installment Loan (“Fasilitas The agreement for Installment Loan Facility
Installment Loan 7”) tersebut dijamin dengan (“Installment Loan Facility 7”) was secured by
jaminan fidusia atas piutang pembiayaan konsumen fiduciary transfer of the Company’s receivables from
minimal sebesar 100,00% dari total pokok pinjaman customers at 100.00% of the total amount of the
dengan kategori piutang yang tidak memiliki outstanding loan with category day past due not
tunggakan lebih dari 30 (tiga puluh) hari sebesar over than 30 (thirty) days amounting to Rp41,667
Rp41.667 (Catatan 5), mengharuskan Perusahaan (Note 5), requires the Company to maintain
untuk mempertahankan Gearing Ratio tidak maximum Gearing Ratio of 8 times, and maintain
melebihi 8 kali, serta mempertahankan rasio NPL maximum NPL ratio above 60 (sixty) days of 5.00%.
diatas 60 (enam puluh) hari maksimal 5,00%.
Berdasarkan Surat No. 40847/GBK/2020 tanggal 1 Based on Letter No. 40847/GBK/2020 dated
Oktober 2020, BCA setuju untuk menyesuaikan October 1, 2020, BCA agreed to adjust the
kondisi tingkat suku bunga Fasilitas Installment conditions for the Installment Loan 7 Facility interest
Loan 7, dimana tingkat suku bunga sebesar 9,00% rate, the interest rate 9.00% per annum during the
per tahun untuk jangka waktu pinjaman selama 36 loan period for 36 (thirty six) months, which remain
(tiga puluh enam) bulan yang berlaku tetap selama valid for the period of the Installment Loan 7 Facility.
jangka waktu Fasilitas Installment Loan 7.
Berdasarkan Perubahan Kesepuluh atas Perjanjian Based on Tenth Changed Credit Agreement No.
Kredit No. 039/Add-KCK/2020 tanggal 13 Februari 039/Add-KCK/2020 dated February 13, 2020, BCA
2020, BCA setuju untuk memperpanjang Fasilitas agreed to extend the Local Credit (Current Account)
Kredit Lokal (Rekening Koran) yang telah jatuh Facility which has matured on October 20, 2020.
tempo pada tanggal 20 Oktober 2020.
Oktober 2020, BCA setuju untuk memperpanjang October 16, 2020, BCA agreed to extend the Local
Fasilitas Kredit Lokal (Rekening Koran) yang telah Credit (Current Account) Facility which has matured
jatuh tempo pada tanggal 20 Oktober 2020. on October 20, 2020. As of October 20, 2020 and
Terhitung sejak tanggal 20 Oktober 2020 dan ends on January 20, 2021.
berakhir pada tanggal 20 Januari 2021.
88
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PT Bank Central Asia Tbk (“BCA”) (lanjutan) PT Bank Central Asia Tbk (“BCA”) (continued)
Berdasarkan Perubahan Kesebelas atas Perjanjian Based on Eleventh Changed Credit Agreement No.
Kredit No. 035/Add-KCK/2021 tanggal 18 Januari 035/Add-KCK/2021 dated January 18, 2021, BCA
2021, BCA setuju untuk memperpanjang Fasilitas agreed to extend the Local Credit (Current Account)
Kredit Lokal (Rekening Koran) yang telah jatuh Facility which has matured on October 20, 2020. As
tempo pada tanggal 20 Oktober 2020. Terhitung of January 20, 2021 and ends on October 20, 2021.
sejak tanggal 20 Januari 2021 dan berakhir pada
tanggal 20 Oktober 2021.
Oktober 2021, BCA setuju untuk memperpanjang October 18, 2021, BCA agreed to extend the Local
Fasilitas Kredit Lokal (Rekening Koran) yang telah Credit (Current Account) Facility which has matured
jatuh tempo pada tanggal 20 Oktober 2021. on October 20, 2021. As of October 20, 2020 and
Terhitung sejak tanggal 20 Oktober 2021 dan ends on January 20, 2022.
berakhir pada tanggal 20 Januari 2022.
Berdasarkan Perubahan Kedua belas atas Based on Twelfth Changed Credit Agreement No.
Perjanjian Kredit No. 606/Add-KCK/2021 tanggal 606/Add-KCK/2021 dated December 6, 2021, BCA
6 Desember 2021, BCA setuju untuk agreed to extend the Local Credit (Current Account)
memperpanjang Fasilitas Kredit Lokal (Rekening Facility which has matured on October 20, 2021. As
Koran) yang telah jatuh tempo pada tanggal of January 20, 2022 and ends on October 20, 2022.
20 Oktober 2021. Terhitung sejak tanggal 20 Januari
2022 dan berakhir pada tanggal 20 Oktober 2022.
Perjanjian Kredit untuk Fasilitas Kredit Lokal The Credit Agreement for the Local Credit (Current
(Rekening Koran) ini telah mengalami beberapa kali Account) Facility has been adjusted for several
penyesuaian kondisi tingkat suku bunga, terakhir times, the latest adjustment of the facility based on
penyesuaian fasilitas berdasarkan Surat No. the Letter No. 40203/GBK/2020 dated March 20,
40203/GBK/2020 tanggal 20 Maret 2020, BCA 2020, BCA readjusted the interest rate conditions
kembali menyesuaikan kondisi tingkat suku bunga Local Credit (Current Account) Facility amounting to
Fasilitas Pinjaman Kredit Lokal (Rekening Koran) 10.00%. Interest rate conditions is effective from
menjadi sebesar 10,00%. Kondisi tingkat suku April 8, 2020.
bunga tersebut akan berlaku efektif sejak tanggal 8
April 2020.
Berdasarkan Surat No. 40847/GBK/2020 tanggal 1 Based on the Letter No. 40847/GBK/2020 dated
Oktober 2020, BCA kembali menyesuaikan kondisi October 1, 2020, BCA readjusted the interest rate
tingkat suku bunga Fasilitas Pinjaman Kredit Lokal conditions Local Credit (Current Account) Facility
(Rekening Koran) menjadi sebesar 9,50%. Kondisi amounting to 9.50%. Interest rate conditions is
tingkat suku bunga tersebut akan berlaku efektif effective from October 5, 2020.
sejak tanggal 5 Oktober 2020.
Berdasarkan Perubahan Kedua belas atas Based on Twelfth Changed Credit Agreement No.
Perjanjian Kredit No. 606/Add-KCK/2021 tanggal 6 606/Add-KCK/2021 dated December 6, 2021,
Desember 2021, tingkat suku bunga Fasilitas interest rate Local Credit (Current Account) Facility
Pinjaman Kredit Lokal (Rekening Koran) sebesar is 9.25% per annum which is calculated from debt
9,25% per tahun yang dihitung dari utang yang arising from Local Credit (Current Account) Facility.
timbul dari Fasilitas Kredit Lokal (Rekening Koran).
masih memiliki fasilitas pinjaman yang belum unused loan facility from BCA amounting to
digunakan dari BCA sebesar Rp25.000 untuk Rp25,000 for Local Credit Loan Facility.
Fasilitas Pinjaman Kredit Lokal.
Desember 2021 dan 2020, Perusahaan melakukan the Company paid installment of bank loan to BCA
pembayaran angsuran utang bank kepada BCA amounting to Rp208,333 and Rp333,333,
masing-masing sebesar Rp208.333 dan Rp333.333. respectively.
89
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PT Bank Mega Tbk (“Bank Mega”) PT Bank Mega Tbk (“Bank Mega”)
Berdasarkan Perjanjian Kredit No. 99 tanggal Based on Credit Agreement No. 99 dated
30 Mei 2018, Bank Mega setuju memberikan May 30, 2018, Bank Mega agreed to provide Fixed
Fasilitas Fixed Loan dengan jumlah maksimum Loan Facility with maximum amount of Rp500,000,
dana yang disediakan adalah sebesar Rp500.000 which was used for consumer finance working
untuk keperluan modal kerja pembiayaan capital. The maturity of facility is 42 (forty two)
konsumen. Tanggal jatuh tempo fasilitas ini adalah months from the signing date of credit agreement.
42 (empat puluh dua) bulan sejak tanggal
selama 36 (tiga puluh enam) bulan yang berlaku which remain valid for a period of Fixed Loan
tetap selama jangka waktu Fasilitas Fixed Loan. Facility.
dari 90 (sembilan puluh) hari (Catatan 5), tidak days (Note 5), not secured to any third party and also
dalam keadaan dijaminkan kepada pihak ketiga the object of financing should be covered by
Saldo pinjaman telah jatuh tempo dan dilunasi pada The loan has matured and was fully paid on July 23,
tanggal 23 Juli 2021. 2021.
Pada tanggal 31 Desember 2021, Perusahaan telah As of December 31, 2021, the Company has fully
menggunakan seluruh fasilitas pinjaman dari Bank utilized the loan facility from Bank Mega for Fixed
Mega untuk Fasilitas Fixed Loan. Loan Facility.
pembayaran angsuran utang bank kepada Bank Mega amounting to Rp88,889 and Rp166,667,
Mega masing-masing sebesar Rp88.889 dan respectively.
Rp166.667.
PT Bank Shinhan Indonesia (“Bank Shinhan”) PT Bank Shinhan Indonesia (“Bank Shinhan”)
Berdasarkan Perjanjian Kredit No. 185 tanggal 27 Based on Credit Agreement No. 185 dated
Desember 2018, Bank Shinhan setuju untuk December 27, 2018, Bank Shinhan agreed to
memberikan Fasilitas Pinjaman Korporasi dengan provide Corporate Loan Facility with maximum
jumlah maksimum dana yang disediakan adalah available fund amounting to Rp100,000, which was
sebesar Rp100.000 untuk keperluan modal kerja used for consumer finance working capital. Loan’s
pembiayaan konsumen. Tanggal jatuh tempo maturity date is 36 (thirty six) months from the last
fasilitas ini adalah 36 (tiga puluh enam) bulan dari withdrawal date.
selama 36 (tiga puluh enam) bulan yang berlaku which remain valid for a period of Corporate Loan
tetap selama jangka waktu Fasilitas Pinjaman Facility.
Korporasi.
90
.05 .06 .07


PT Bank Shinhan Indonesia (“Bank Shinhan”) PT Bank Shinhan Indonesia (“Bank Shinhan”)
tunggakan lebih dari 90 (sembilan puluh) hari days (Note 5), not secured to any third party and
(Catatan 5), tidak dalam keadaan dijaminkan pada also the object of financing should be covered by
pihak ketiga mana pun dan harus objek pembiayaan insurance, maintain maximum debt to equity ratio of
diasuransikan, mempertahankan rasio utang 8 times, and maintain maximum NPL ratio above 90
terhadap ekuitas tidak melebihi 8 kali, serta (ninety) days of 4.00%.
Saldo pinjaman telah lunas dipercepat pada tanggal The loan has been early fully paid on October 2,
2 Oktober 2020. 2020.
Berdasarkan Perjanjian Kredit No. 128 tanggal 26 Based on Credit Agreement No. 128 dated February
Februari 2020, Bank Shinhan setuju untuk 26, 2020, Bank Shinhan agreed to provide
memberikan Fasilitas Pinjaman Korporasi dengan Corporate Loan Facility with maximum available
jumlah maksimum dana yang disediakan adalah fund amounting to Rp100,000, which was used for
sebesar Rp100.000 untuk keperluan modal kerja consumer finance working capital. Loan’s maturity
pembiayaan konsumen. Tanggal jatuh tempo date is 36 (thirty six) months from the last withdrawal
fasilitas ini adalah 36 (tiga puluh enam) bulan dari date.
Berdasarkan Adendum Perjanjian Kredit No. Based on Addendum Credit Agreement No.
039/ADD/III/2020 tanggal 16 Maret 2020, Bank 039/ADD/III/2020 dated March 16, 2020 Bank
Shinhan setuju untuk merubah tingkat suku bunga Shinhan agreed to change the interest rate to 8.40%
sebesar 8,40% per tahun untuk jangka waktu per annum during the loan period for 36 (thirty six)
pinjaman selama 36 (tiga puluh enam) bulan yang months, which remain valid for a period of Corporate
berlaku tetap selama jangka waktu Fasilitas Loan Facility.
Pinjaman Korporasi.
tunggakan lebih dari 90 (sembilan puluh) hari days (Note 5), not secured to any third party and
(Catatan 5), tidak dalam keadaan dijaminkan pada also the object of financing should be covered by
pihak ketiga mana pun dan harus objek pembiayaan insurance, maintain maximum debt to equity ratio of
diasuransikan, mempertahankan rasio utang 8 times, and maintain maximum NPL ratio above 90
terhadap ekuitas tidak melebihi 8 kali, serta (ninety) days of 4.00%.
Saldo pinjaman telah lunas dipercepat pada tanggal The loan has been early fully paid on February 17,
17 Februari 2021. 2021.
pembayaran angsuran utang bank kepada Bank Shinhan amounting to Rp75,000 and Rp91,667,
Shinhan masing-masing sebesar Rp75.000 dan respectively.
Rp91.667.
91
.01 .02 .03 .04


Perjanjian-perjanjian dengan Bank Panin, Bank Under the above agreements with Bank Panin, Bank
Mandiri, KEB Hana, Bank CTBC, DBS, Bank Mandiri, KEB Hana, Bank CTBC, DBS, Bank
Permata, HSBC, BCA, Bank Mega, dan Bank Permata, HSBC, BCA, Bank Mega, and Bank
Shinhan, mensyaratkan Perusahaan untuk tidak Shinhan, without prior approval from those banks, is
melakukan hal-hal berikut ini, sebelum memperoleh not allowed to, among others, enter into
persetujuan dari bank-bank tersebut, yang antara consolidation, merger, acquisitions or investments in
lain, melakukan konsolidasi, merger, akuisisi atau shares of stock; sell the Company’s assets; enter into
penyertaan saham; penjualan aset Perusahaan; new investments; change the Articles of Association
melakukan investasi baru; perubahan Anggaran relating to capital reduction; provide financing to
Dasar berupa penurunan modal; pembiayaan other related parties and unrelated parties other than
kepada perusahaan berelasi maupun perusahaan in the normal course of business; act as a guarantor
lainnya di luar transaksi usaha sehari-hari; of or collateralize the Company’s assets to obligation
mengikatkan diri sebagai penanggung kepada pihak of other parties; repay the loans obtained from all
lain atau menjaminkan aset Perusahaan kepada stockholders; float the Company’s shares to the
pihak lain; pelunasan pinjaman kepada seluruh public or buy back the Company’s shares; alter the
pemegang saham; penawaran umum atas saham Company’s nature of business; pledge the same
Perusahaan atau pembelian kembali saham BPKB as collateral to other parties and obtain loans
Perusahaan; perubahan bentuk usaha Perusahaan; or credits from other financial institutions except in
menjaminkan kembali BPKB kepada pihak lain dan the normal course of business.
memperoleh pinjaman atau kredit dari lembaga
keuangan lain kecuali untuk kegiatan usaha yang
normal.
31 Desember 2021 dan 2020, Perusahaan telah the Company has complied with all significant loan
mematuhi seluruh persyaratan penting termasuk covenants include maintaining financial ratios as
mempertahankan rasio-rasio keuangan required in the agreement with the aforementioned
sehubungan dengan perjanjian dengan bank-bank banks.
tersebut di atas.
15. UTANG SUBORDINASI 15. SUBORDINATED LOAN
2021 2020

PT Bank Maybank Indonesia Tbk 200.000 200.000 PT Bank Maybank Indonesia Tbk

2021 2020
Tingkat suku bunga efektif tahunan Effective annual interest rates

Mata uang Rupiah 12,00% 12,00% Rupiah currency
Berdasarkan Akta Perjanjian Kredit No. 14 tanggal Based on Credit Agreement Deed No. 14 dated
27 November 2019, BMI setuju untuk memberikan November 27, 2019, BMI agreed to provide a Term
fasilitas Pinjaman Berjangka dengan jumlah Loan facility at the maximum amount of Rp200,000,
maksimum sebesar Rp200.000, yang digunakan which was used for strengthening the Company’s
untuk memperkuat struktur permodalan. Fasilitas ini capital structure. This facility has fixed interest rate
dikenakan suku bunga tetap sebesar 12,00% per at 12.00% per annum and subject to change at any
tahun dan dapat berubah sewaktu-waktu mengikuti time following changes money market and interest
perubahan atau perkembangan pasar uang dan rates applied in bank. Interest will be paid every 3
suku bunga yang berlaku di bank. Bunga akan (three) month and will due on November 28, 2024.
dibayarkan setiap 3 (tiga) bulan dan akan berakhir
pada tanggal 28 November 2024.
92
.05 .06 .07


15. UTANG SUBORDINASI (lanjutan) 15. SUBORDINATED LOAN (continued)
Berdasarkan surat No.S.2021.092/DIR Global - FIG Based on letter No.S.2021.092/DIR Global - FIG
tanggal 27 Desember 2021, BMI setuju date December 27, 2021, BMI agreed to adjust the
menyesuaikan kondisi tingkat suku bunga Fasilitas interest rate conditions of the Term Loan Credit
Kredit Pinjaman Berjangka, tingkat suku bunga Facility, an interest rate of 8.50% per annum
sebesar 8,50% per tahun berlaku efektif pada effective on February 28, 2022 until the end of the
tanggal 28 Februari 2022 sampai akhir jatuh tempo specified maturity.
yang telah ditentukan.
Berdasarkan Akta Perjanjian Hutang Subordinasi Based on Subordination Loan Agreement Deed No.
No. 15 tanggal 27 November 2019, Pemegang 15 dated November 27, 2019, Shareholders (BMI)
Saham (BMI) diwajibkan untuk mensubordinasikan are required to subordinate the entire bill of
seluruh tagihan Pemegang Saham (berdasarkan Shareholders (pursuant to the Deed of Credit
Akta Perjanjian Kredit No. 14 tanggal 27 November Agreement No. 14 dated November 27, 2019) of the
2019) terhadap tagihan dari kreditur Perusahaan bills of other creditors.
yang lain.
Biaya bunga yang dikenakan untuk pinjaman Interest incurred for this facility is amounting to
tersebut masing-masing sebesar Rp24.333 dan Rp24,333 and Rp24,400 for the years ended
Rp24.400 untuk tahun yang berakhir pada tanggal- December 31, 2021 and 2020, respectively (Notes
tanggal 31 Desember 2021 dan 2020 (Catatan 29 29 and 32).
dan 32).
Pada tanggal 31 Desember 2021 dan 2020, As of December 31, 2021 and 2020, the Company
Perusahaan mencatat bunga masih harus dilunasi recorded accrued interest amounting to Rp2,200
masing-masing sebesar Rp2.200 dan Rp2.200 and Rp2,200, respectively (Notes 16 and 32).
(Catatan 16 dan 32).
Selama masa berlakunya perjanjian ini, Perusahaan During the period of the agreement is still
harus mengelola posisi keuangan sebagai berikut: outstanding, the Company is obliged to maintain its
financial position as follows:
Pembatasan keuangan Financial Covenants

Gearing ratio : ≤8:1 : Gearing ratio
Non-performing loan : ≤ 6,00% : Non-performing loan
Perusahaan telah mematuhi seluruh persyaratan has complied with all significant loan covenants
penting sehubungan dengan persyaratan yang required by BMI.
diberikan oleh BMI tersebut di atas.
16. BIAYA YANG MASIH HARUS DIBAYAR 16. ACCRUED EXPENSES
2021 2020

Komisi dan bonus karyawan 27.000 17.000 Employees’ commissions and bonus
Bunga 16.584 17.828 Interests

(Catatan 14, 15, 20, dan 32) (Notes 14, 15, 20, and 32)
Bunga 3.535 3.160 Interests
93
.01 .02 .03 .04


17. PERPAJAKAN 17. TAXATION
2021 2020
Utang pajak: Taxes payable:

PPN 292 203 VAT
Pajak penghasilan Income tax
Pasal 29 21.579 - Article 29
Pasal 21 1.179 1.731 Article 21
Pasal 4 (2) 337 493 Article 4 (2)
Pasal 23 302 137 Article 23
Rekonsiliasi antara laba sebelum beban pajak A reconciliation between income before tax
sebagaimana disajikan dalam laporan laba rugi dan expense, as shown in the statement of profit or loss
penghasilan komprehensif lain dengan taksiran and other comprehensive income and estimated
penghasilan kena pajak untuk tahun yang berakhir taxable income for the years ended December 31,
pada tanggal-tanggal 31 Desember 2021 dan 2020 2021 and 2020 are as follows:
2021 2020
Laba sebelum Income before

beban pajak penghasilan income tax expense
sebagaimana disajikan dalam as shown in the
laporan laba rugi dan penghasilan statement of profit or loss and
komprehensif lain 153.582 87.274 other comprehensive income
Ditambah (dikurangi): Add (deduct):

Beda temporer Temporary differences
Penyisihan piutang pengembalian asuransi 703 - Provision for insurance refunds
Penyisihan imbalan kerja (13.967) 11.558 Provision for employee benefits
Sewa gedung kantor (1.381) 1.012 Office building rental
Penyusutan perangkat lunak (5.905) (5.378) Software depreciation
Beda tetap Permanent differences

Penyusutan Car Ownership Program- Depreciation Car Ownership Program-
Non Deductible Expense 50,00% 3.079 3.248 Non Deductible Expense 50.00%
Beban dan denda pajak 5 3.013 Tax expense and penalties
Sumbangan 87 72 Donations
Biaya yang tidak dapat dikurangkan 55.363 9.502 Non deductible expenses
Interest income from current accounts
Pendapatan bunga giro dan deposito (8.310) (33.406) and time deposits
Pajak penghasilan final atas Final income tax on interest income from
pendapatan bunga giro dan deposito 1.662 6.681 current accounts and time deposits
Laba kena pajak 184.918 83.576 Taxable income
2021 2020
Beban pajak penghasilan 40.682 18.387 Income tax expense

Dikurangi: Less:
Pajak dibayar di muka (19.103) (40.838) Prepaid taxes
Utang pajak penghasilan Income tax payable

(pajak penghasilan dibayar dimuka) 21.579 (22.451) (prepaid taxes)
94
.05 .06 .07


17. PERPAJAKAN (lanjutan) 17. TAXATION (continued)
Rekonsiliasi antara beban pajak dihitung dengan Reconciliation between the tax expense calculated
menggunakan tarif pajak yang berlaku atas laba by applying the applicable tax rates to the income
sebelum beban pajak dengan beban pajak, before tax expense and the tax expense, as shown
sebagaimana disajikan dalam laporan laba rugi dan in the statement of profit or loss and other
penghasilan komprehensif lain untuk tahun yang comprehensive income for the years ended
berakhir pada tanggal-tanggal 31 Desember 2021 December 31, 2021 and 2020 are as follows:
dan 2020 adalah sebagai berikut:

2021 2020
Laba sebelum beban Income before

pajak penghasilan income tax expense
sebagaimana disajikan dalam as shown in the
laporan laba rugi dan penghasilan statement of profit or loss and
komprehensif lain 153.582 87.274 other comprehensive income
Beban pajak dengan Tax expense at the

tarif pajak yang berlaku 33.788 19.200 applicable tax rates
Pengaruh pajak atas beda tetap pada Tax effects on permanent differences
tarif pajak yang berlaku 11.415 (2.396) at the applicable tax rate
Surat ketetapan pajak 15 6.252 Tax assessment letter
Penyesuaian tarif pajak (2.246) 6.840 Tax rates adjustment
Beban pajak penghasilan 42.972 29.896 Income tax expense
Tarif pajak efektif 27,98% 34,26% Effective tax rate
Beban pajak penghasilan: Income tax expense:

Kini 40.682 18.387 Current
Tangguhan 2.275 5.257 Deffered
Surat ketetapan pajak 15 6.252 Tax assessment letter
Rincian beban (manfaat) pajak tangguhan adalah The details of deferred tax expense (benefit) are as

2021 2020
Pengaruh pajak atas beda temporer pada Tax effects on temporary differences
tarif pajak maksimum yang berlaku: at the applicable maximum tax rate:
Penyisihan piutang pengembalian
asuransi (155) - Provision for insurance refunds
Penyisihan imbalan kerja 3.073 (2.543) Provision for employee benefits
Sewa gedung kantor 304 (223) Office building rental
Penyusutan perangkat lunak 1.299 1.183 Software depreciation
Penyesuaian tarif pajak (2.246) 6.840 Tax rates adjustment
Total beban pajak tangguhan 2.275 5.257 Total deferred tax expense
95
.01 .02 .03 .04


Rincian aset pajak tangguhan - neto Perusahaan The details of the Company’s deferred tax assets -
sebagai berikut: net are as follows:
Dikreditkan
(Dibebankan)/ ke ekuitas
dikreditkan dari
ke laporan pendapatan
laba rugi komprehensif
tahun berjalan/ lain/
(Charged)/ Charged to
credited to equity from
Saldo awal/ income other Saldo akhir/
Beginning statements comprehensive Ending
balance for the year income balance
Aset pajak tangguhan: Deferred tax assets:

Penyisihan piutang pengembalian
asuransi - 155 - 155 Provision for insurance refunds
Penyisihan imbalan kerja 25.422 (634) (2.733) 22.055 Provision for employee benefit
Sewa gedung kantor 502 (234) - 268 Office building rental
Penyusutan perangkat lunak (1.384) (1.562) - (2.946) Software depreciation
Aset pajak tangguhan - neto 24.540 (2.275) (2.733) 19.532 Deferred tax assets - net

Dikreditkan
(Dibebankan)/ ke ekuitas
dikreditkan dari
ke laporan pendapatan
laba rugi komprehensif
tahun berjalan/ lain/
(Charged)/ Charged to
credited to equity from
Saldo awal/ income other Saldo akhir/
Beginning statements comprehensive Ending
balance for the year income balance
Aset pajak tangguhan: Deferred tax assets:

Penyisihan imbalan kerja 33.992 (4.429) (4.141) 25.422 Provision for employee benefit
Sewa gedung kantor 469 33 - 502 Office building rental
Penyusutan perangkat lunak (523) (861) - (1.384) Software depreciation
Aset pajak tangguhan - neto 33.938 (5.257) (4.141) 24.540 Deferred tax assets - net
Tahun pajak 2016 Tax fiscal year 2016
Pada tanggal 6 Juli 2017, Perusahaan menerima On July 6, 2017, the Company received Tax
Surat Tagihan Pajak (“STP”) atas Pajak Collection Letter (“STP”) of Value Added Tax
Pertambahan Nilai (“PPN”) masa Januari 2016 (“VAT”) for period January 2016 amounting to
sebesar Rp178. Pada tanggal 3 Agustus 2017, Rp178. On August 3, 2017, the Company paid the
Perusahaan membayar tagihan pajak sesuai tax based on STP.
dengan STP tersebut.
Pada tanggal 31 Agustus 2017, Perusahaan On August 31, 2017, the Company filed reduce or
mengajukan surat permohonan pengurangan atau waiver letter STP of VAT for period January 2016
penghapusan STP atas PPN masa Januari 2016 amounting to Rp178.
sebesar Rp178.
Pada tanggal 20 Oktober 2017, Direktorat Jenderal On October 20, 2017, The Directorate General of
Pajak (“DJP”) menolak surat permohonan Taxation (“DGT”) has rejected the Company’s filed
pengurangan atau penghapusan tersebut di atas reduce or waiver letter through its Letter No.
melalui Surat No. KEP-00737/NKEB/WPJ.19/2017. KEP-00737/NKEB/WPJ.19/2017. On 2018, the
Pada tahun 2018, Perusahaan membebankan Company expensed the amount of prepaid tax
jumlah pajak dibayar dimuka atas STP tersebut ke based on STP as a part of general administrative
dalam biaya umum dan administrasi yaitu denda expense which is tax penalty in the statement of
pajak dalam laporan laba rugi dan penghasilan profit and loss and other comprehensive income.
komprehensif lain.
96
.05 .06 .07



Tahun pajak 2016 (lanjutan) Tax fiscal year 2016 (continued)
Pada tanggal 12 April 2018, Perusahaan menerima On April 12, 2018, the Company received Field
Surat Pemberitahuan Pemeriksaan Lapangan Examination Notification Letter No. Pemb-
No. Pemb-00083/WPJ.19/KP.0105/RIK.SIS/2018 00083/WPJ.19/KP.0105/RIK.SIS/2018 regarding
tentang pemeriksaan lapangan untuk semua jenis field examination for all taxes for fiscal year 2016.
pajak tahun pajak 2016. Pada Tanggal 23 On November 23, 2018 the Company received
November 2018, Perusahaan menerima Surat Change Examination Instruction Letter No. PRIN-P-
Perintah Pemeriksaan Perubahan No. PRIN-P- 00028/WPJ.19/KP.0105/RIK.SIS/2018. On
00028/WPJ.19/KP.0105/RIK.SIS/2018. Pada December 18, 2019, the Company received Tax
tanggal 18 Desember 2019, Perusahaan menerima Assessment Letters for fiscal year 2016. Based on
Surat Ketetapan Pajak (“SKP”) untuk tahun fiskal the Assessment Letters, the Tax Office confirmed
2016. Berdasarkan SKP tersebut, Kantor Pajak the underpayment of Article 21 Income Tax,
menetapkan kurang bayar atas Pajak Penghasilan Withholding Tax Articles 23/26, Value Added Tax
Pasal 21 (“PPh Pasal 21”), Pajak Penghasilan Pasal (“VAT”) and Corporate Income Tax with aggregating
23/26 (“PPh Pasal 23/26”), Pajak Pertambahan Nilai amount to Rp26,671. The result of the examination
(“PPN”), dan Pajak Penghasilan Badan dengan was agreed by the Company’s Management and
jumlah keseluruhan Rp26.671. Hasil pemeriksaan has been fully paid, except for the VAT
tersebut telah disetujui Manajemen Perusahaan underpayment assessment of Rp5,224.
serta telah dibayarkan seluruhnya, kecuali atas
ketetapan kurang bayar PPN sebesar Rp5.224.
Pada tanggal 13 Maret 2020, Perusahaan On March 13, 2020, the Company has submitted tax
mengajukan keberatan pajak atas ketetapan kurang objection for VAT underpayment assesment of
bayar PPN sebesar Rp5.224. Rp5,224.
Pada tanggal 1 Maret 2021, Perusahaan menerima On March 1, 2021, the Company received Objection
Surat Keputusan Keberatan No. KEP- Decision Letter No. KEP-00117/KEB/WPJ.19/2021
00117/KEB/WPJ.19/2021 atas ketetapan kurang on VAT underpayment assesment year 2016 which
bayar PPN tahun 2016 yang isinya menolak rejected the Company’s objection.
keberatan Perusahaan.
Pada tanggal 30 April 2021, Perusahaan On April 30, 2021, the Company filed an appeal to
mengajukan banding ke Pengadilan Pajak atas the Tax Court on rejected decision of Rp5,224. Up
keputusan yang ditolak sebesar Rp5.224. Sampai to the issuance date of the financial statements, the
dengan tanggal laporan keuangan diterbitkan, Company has not received decision from the Tax
Perusahaan belum menerima putusan dari Court.
Pengadilan Pajak.
Pada tanggal 15 September 2020, Perusahaan On September 15, 2020, the Company received
menerima Surat Pemberitahuan Pemeriksaan Field Examination Notification Letter No. Pemb-
Lapangan No. Pemb-00023/WPJ.19/RIK.SIS/2020 00023/WPJ.19/RIK.SIS/2020 regarding field
tentang pemeriksaan lapangan untuk semua jenis examination for all taxes for fiscal year 2017.
pajak tahun pajak 2017.
Pada tanggal 18 Oktober 2021, Perusahaan On October 18, 2021, the Company received
menerima Surat Perintah Pemeriksaan Perubahan Change Examination Instruction Letter No. PRIN-P-
No. PRIN-P-7/WPJ.19/2021. Pada tanggal 11 7/WPJ.19/2021. On January 11, 2022, the Company
Januari 2022, Perusahaan menerima Surat received Tax Assessment Letters for fiscal year
Ketetapan Pajak (“SKP”) terkait hasil pemeriksaan 2017 with aggregated of underpayment amounting
pajak tahun fiskal 2017 dengan jumlah keseluruhan to Rp45,914. Up to the issuance date of the financial
kurang bayar sebesar Rp45.914. Sampai dengan statements, the Company is still on process to
tanggal laporan keuangan diterbitkan, Perusahaan submit tax objection to the Tax Office (Note 43).
masih dalam proses untuk mengajukan keberatan
ke Kantor Pajak (Catatan 43).
97
.01 .02 .03 .04



Pada tanggal 17 Juli 2019, Perusahaan menerima On July 17, 2019, the Company received Field
pajak tahun pajak 2018.
Pada tanggal 17 April 2020, Perusahaan menerima On April 17, 2020, the Company received Tax
Surat Ketetapan Pajak (“SKP”) untuk tahun fiskal Assessment Letters for fiscal year 2018. Based on
2018. Berdasarkan SKP tersebut, Kantor Pajak the Assessment Letters, the Tax Office confirmed
menetapkan kurang bayar atas Pajak Penghasilan the underpayment of Article 21 Income Tax,
Pasal 21 (“PPh Pasal 21”), Pajak Penghasilan Pasal Withholding Tax Articles 23/26, Withholding Tax
23/26 (“PPh Pasal 23/26”), Pajak Penghasilan Pasal Articles 4.2, Value Added Tax (“VAT”), and
4.2 (“PPh Pasal 4.2”), Pajak Pertambahan Nilai Corporate Income Tax with aggregating amount to
(“PPN”), dan Pajak Penghasilan Badan dengan Rp17,672. The result of the examination was agreed
jumlah keseluruhan Rp17.672. Hasil pemeriksaan by the Company’s Management and has been fully
tersebut telah disetujui Manajemen Perusahaan paid, except for the VAT underpayment assessment
serta telah dibayarkan seluruhnya, kecuali atas of Rp5,364, Corporate Income Tax Rp5,936, and
ketetapan kurang bayar PPN sebesar Rp5.364, Income Tax Article 21 Rp29, in which the Company
Pajak Penghasilan Badan Rp5.936, dan PPh Pasal file a tax objection.
21 Rp29, Perusahaan mengajukan keberatan pajak.
Pada tanggal 30 Juni 2020, Perusahaan On June 30, 2020, the Company has submitted tax
mengajukan keberatan pajak atas ketetapan kurang objection for VAT underpayment assesment of
bayar PPN sebesar Rp5.364, Pajak Penghasilan Rp5,364, Corporate Income Tax of Rp5,936, Income
Badan Rp5.936, dan PPh Pasal 21 Rp29. Tax Article 21 of Rp29.
Pada tanggal 23 Agustus 2021, Perusahaan On August 23, 2021, the Company received
menerima Surat Keputusan Keberatan atas Surat Objection Decision Letter on VAT assessment letter
Ketetapan Pajak PPN masa Desember 2018 yang for period December 2018 which rejected all the
isinya menolak seluruh keberatan Perusahaan. Company’s objection. On September 27, 2021, the
Pada tanggal 27 September 2021, Perusahaan Company has filed appeal request to Tax Court on
telah mengajukan permohonan banding ke rejected decision of Rp5,364.
Pengadilan Pajak atas keputusan yang ditolak
sebesar Rp5.364.
menerima Surat Keputusan Keberatan atas Surat Objection Decision Letter on Corporate Income Tax
Ketetapan Pajak PPh Badan Tahun Pajak 2018. (CIT) assessment letter for Fiscal Year 2018. On that
Dalam Surat Keputusan Keberatan tersebut, Kantor objection decision, Tax Office only partially agreed
Pajak hanya menyetujui sebagian permohonan on CIT objection request amounting to Rp1,401. On
keberatan Pajak PPh Badan sebesar Rp1.401. September 27, 2021, the Company has filed appeal
Pada tanggal 27 September 2021, Perusahaan request to Tax Court on rejected decision of
telah mengajukan permohonan banding ke Rp4,514. The Company did not apply the appeal
Pengadilan Pajak atas keputusan yang ditolak request on rejected decision amounting to Rp21.
sebesar Rp4.514. Perusahaan tidak mengajukan
permohonan banding atas putusan keberatan yang
ditolak sebesar Rp21.
menerima Surat Keputusan Keberatan atas Surat Objection Decision Letter on Withholding Tax (WHT)
Ketetapan Pajak PPh Pasal 21 masa Januari 21 assessment letter for period from January to
sampai Desember 2018 yang isinya menyetujui December 2018 which agreed all the Company’s
seluruh permohonan keberatan PPh Pasal 21 objection on WHT 21 amounting to Rp29.
sebesar Rp29.
Sampai dengan tanggal laporan keuangan Up to the issuance date of the financial statements,
diterbitkan, Perusahaan belum menerima putusan the Company has not received decision from the Tax
dari Pengadilan Pajak. Court.
98
.05 .06 .07


Pada tanggal 29 Juli 2021, Perusahaan menerima On July 29, 2021, the Company received Field
pajak tahun pajak 2020. Pada tanggal 25 Oktober On October 25, 2021, the Company received
2021, Perusahaan menerima Surat Perintah Change Examination Instruction Letter No. PRIN-P-
Pemeriksaan Perubahan No. PRIN-P- 00172/WPJ.19/KP.0104/RIK.SIS/2021. Up to the
00172/WPJ.19/KP.0104/RIK.SIS/2021. Sampai issuance date of the financial statements, the result
dengan tanggal laporan keuangan diterbitkan, hasil of this examination cannot yet be determined.
pemeriksaan belum dapat ditentukan.
Administrasi Administration
Berdasarkan Undang-undang Perpajakan yang Under the prevailing Taxation Laws of Indonesia,
berlaku di Indonesia, Perusahaan menghitung, the Company calculates, determines and pays tax
menetapkan dan membayar sendiri besarnya payable based on self-assessment. The DGT may
jumlah pajak yang terutang. DJP dapat menetapkan assess or amend taxes within 5 (five) years from the
atau mengubah liabilitas pajak dalam batas waktu 5 time the tax becomes due for the fiscal year 2008
(lima) tahun sejak saat terutangnya pajak untuk and subsequent years.
tahun fiskal 2008 dan tahun-tahun selanjutnya.
Perhitungan pajak penghasilan untuk tahun yang The income tax calculation for the year ended
berakhir pada tanggal 31 Desember December 31, 2021 as disclosed in Note 17 will be
2021 sebagaimana diungkapkan dalam Catatan 17 the basis in filing Annual Corporate Income Tax
akan menjadi dasar dalam pengisian Surat Return.
Pemberitahuan Tahunan (SPT) Pajak Penghasilan
Badan.
Perubahan tarif pajak Tax rate changes
Pada tanggal 31 Maret 2020, Pemerintah On March 31, 2020, the Government issued a
menerbitkan Peraturan Pemerintah Pengganti Government Regulation in lieu of the Law of the
Undang-Undang Republik Indonesia Nomor 1 Republic of Indonesia Number 1 Year 2020 which
Tahun 2020 yang menetapkan, antara lain, stipulates, among others, reduction to the tax rates
penurunan tarif pajak penghasilan wajib pajak badan for corporate income tax payers and permanent
dalam negeri dan bentuk usaha tetap dari semula establishments entities from previously 25% to
25% menjadi 22% untuk tahun pajak 2020 dan 2021 become 22% for fiscal years 2020 and 2021 and
dan 20% mulai tahun pajak 2022 dan seterusnya, 20% starting fiscal year 2022 and onwards, and
serta pengurangan lebih lanjut tarif pajak sebesar further reduction of 3% for corporate income tax
3% untuk wajib pajak dalam negeri yang memenuhi payers that fulfill certain criteria.
persyaratan tertentu.
Pada tanggal 29 Oktober 2021, Pemerintah On October 29, 2021, the Government issued the
menerbitkan Undang-Undang Republik Indonesia Law of the Republic of Indonesia Number 7 Year
Nomor 7 Tahun 2021 tentang Harmonisasi 2021 regarding Harmonization of the Tax
Peraturan Perpajakan yang menetapkan, antara Regulation which stipulate, among others, the single
lain, tarif pajak penghasilan wajib pajak badan dalam tax rate for corporate tax payers and permanents
negeri dan bentuk usaha tetap kembali ke tarif pajak establishments entities by 22% starting fiscal year
tunggal sebesar 22% mulai tahun pajak 2022 dan 2022 and onwards.
seterusnya.
99
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18. UTANG LAIN-LAIN 18. OTHER PAYABLES
2021 2020

Rupiah Rupiah
Utang asuransi 26.164 17.514 Insurance payables
Utang dealer 18.205 15.527 Dealers Payables
Utang promosi 10.992 9.830 Promotion payables
Setoran konsumen 2.077 1.507 Consumers’ advances
Utang pembiayaan konsumen - Consumer financing loans -
kendaraan (Catatan 10) 1.275 3.115 vehicles (Note 10)

Rupiah Rupiah
kendaraan (Catatan 10 dan 32) 6.554 6.604 vehicles (Notes 10 and 32)
Utang atas transaksi pembiayaan Payables on joint financing
bersama (Catatan 5, 31, dan 32) 663 577 (Notes 5, 31, and 32)
Utang dealer (Catatan 32) 382 340 Dealers payables (Note 32)
Utang asuransi (Catatan 32) 81 34 Insurance payables (Note 32)
Total 105.029 100.221 Total
Utang dealer merupakan utang kepada dealer Dealers payables represent payables in connection
sehubungan dengan transaksi pembelian with purchase transactions of two-wheeled motor
kendaraan bermotor roda dua oleh Perusahaan vehicles by the Company for consumer financing.
untuk pembiayaan konsumen.
Utang asuransi merupakan premi asuransi yang Insurance payables represent insurance premiums
belum dibayarkan kepada perusahaan asuransi. that have not been paid yet to the insurance
company.
Setoran konsumen merupakan utang yang timbul Consumers’ advances represent payables in
sehubungan dengan penerimaan angsuran dari connection with the installment payment from
konsumen dan penerimaan penjualan agunan yang customers and cash received from sales of
ditarik kembali dari dealer yang belum dilunasi. repossessed motor vehicles from dealers that have
not been settled.
Utang pembiayaan konsumen kendaraan Consumer financing loans vehicles represent

merupakan fasilitas pembiayaan kendaraan yang vehicles financing facilities obtained from PT
diperoleh dari PT Maybank Indonesia Finance, Maybank Indonesia Finance, a related party (Note
pihak berelasi (Catatan 32), PT Clipan Finance 32), PT Clipan Finance Indonesia Tbk, and PT
Indonesia Tbk, dan PT Mandiri Tunas Finance Mandiri Tunas Finance with annual effective interest
dengan bunga efektif tahunan masing-masing rates of 10.38%, 10.62%, and 10.90% for the year
sebesar 10,38%, 10,62%, dan 10,90% untuk tahun ended December 31, 2021 and 9.82%, 10.62%, and
yang berakhir pada tanggal 31 Desember 2021 dan 10.90% for the year ended December 31, 2020,
9,82%, 10,62%, dan 10,90% untuk tahun yang respectively. These facilities are collateralized by
berakhir pada tanggal 31 Desember 2020. Fasilitas fiduciary transfers of ownership on the assets
ini dijamin dengan penyerahan hak kepemilikan financed (Note 10).
secara fidusia atas kendaraan yang dibiayai
tersebut (Catatan 10).
100
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19. LIABILITAS SEWA 19. LEASE LIABILITIES
Analisis jatuh tempo liabilitas sewa sebagai berikut: Maturity analysis of lease liabilities is as follows:
2021 2020
Jatuh tempo dalam waktu Due in

1-5 tahun 1.334 3.482 1-5 years
> 5 tahun 49.610 53.547 > 5 years

1-5 tahun 34 459 1-5 years
Subtotal 34 459 Subtotal
Total Liabilitas Sewa - neto 50.978 57.488 Total Lease Liabilities - net
20. UTANG OBLIGASI 20. BONDS PAYABLE
2021 2020
Nilai nominal obligasi Nominal value of bonds

Pihak ketiga 1.212.800 1.635.300 Third parties
Pihak-pihak berelasi (Catatan 32) 110.000 167.000 Related parties (Note 32)
1.322.800 1.802.300
Dikurangi biaya emisi obligasi
ditangguhkan (setelah dikurangi Less unamortized bonds issuance costs
akumulasi amortisasi sebesar (net of accumulated amortization of
Rp91.777 dan Rp87.748 Rp91,777 and Rp87,748
dan 2020) and 2020, respectively)
(Catatan 29) (Note 29)
Pihak ketiga (2.297) (2.418) Third parties
Pihak-pihak berelasi (Catatan 32) (575) (315) Related parties (Note 32)
(2.872) (2.733)
Total Utang Obligasi - neto 1.319.928 1.799.567 Total Bonds Payable - net

2021 2020
Kisaran suku bunga kontraktual tahunan Range of contractual annual interest rates
Mata uang Rupiah 5,50% - 10,00% 8,00% - 10,00% Rupiah currency
101
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20. UTANG OBLIGASI (lanjutan) 20. BONDS PAYABLE (continued)
Rincian nilai nominal utang obligasi pada tanggal 31 The details of nominal value of the bonds payable
Desember 2021 dan 2020 menurut tahun jatuh as of December 31, 2021 and 2020, by year of
temponya adalah sebagai berikut: maturity are as follows:
31 Desember/
December 31, 2021
Obligasi Obligasi Obligasi Obligasi

Berkelanjutan Berkelanjutan Berkelanjutan Berkelanjutan
III III III IV
Tahap II/ Continuing Tahap III/ Continuing Tahap IV/ Continuing Tahap I/ Continuing
Bonds III Bonds III Bonds III Bonds IV Total/
Tahun Phase II Phase III Phase IV Phase I Total Year

2022 608.000 - - 302.000 910.000 2022
2023 - 32.800 172.000 - 204.800 2023
2024 - - - 98.000 98.000 2024
Subtotal 608.000 32.800 172.000 400.000 1.212.800 Subtotal
Pihak berelasi Related parties

2022 10.000 - - - 10.000 2022
2024 - - - 100.000 100.000 2024
Subtotal 10.000 - - 100.000 110.000 Subtotal
Total 618.000 32.800 172.000 500.000 1.322.800 Total
31 Desember/
December 31, 2020
Obligasi Obligasi Obligasi Obligasi Obligasi Obligasi

Berkelanjutan Berkelanjutan Berkelanjutan Berkelanjutan Berkelanjutan Berkelanjutan
II II III III III III
Tahap IV/ Tahap V/ Tahap I/ Tahap II/ Tahap III/ Tahap IV/
Continuing Continuing Continuing Continuing Continuing Continuing
Bonds II Bonds II Bonds III Bonds III Bonds III Bonds III Total/
Tahun Phase IV Phase V Phase I Phase II Phase III Phase IV Total Year

2021 107.000 67.500 119.000 125.500 227.500 192.000 838.500 2021
2022 - - - 592.000 - - 592.000 2022
2023 - - - - 32.800 172.000 204.800 2023
Subtotal 107.000 67.500 119.000 717.500 260.300 364.000 1.635.300 Subtotal
Pihak berelasi Related parties

2021 5.000 - - - - 136.000 141.000 2021
2022 - - - 26.000 - - 26.000 2022
Subtotal 5.000 - - 26.000 - 136.000 167.000 Subtotal
Total 112.000 67.500 119.000 743.500 260.300 500.000 1.802.300 Total
102
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Obligasi Berkelanjutan II Tahap II WOM Finance Continuing Bonds II Phase II WOM Finance Year
Tahun 2017 2017
Pada tanggal 22 Agustus 2017, Perusahaan On August 22, 2017, the Company issued
menerbitkan Obligasi Berkelanjutan II Tahap II Continuing Bonds II Phase II WOM Finance Year
WOM Finance Tahun 2017 Dengan Tingkat Suku 2017 With Fixed Interest Rate (“Continuing Bonds II
Bunga Tetap (“Obligasi Berkelanjutan II Tahap II”) Phase II”) with a nominal value of Rp720,500, which
dengan nilai nominal sebesar Rp720.500, yang were offered at par (Note 1c).
ditawarkan pada nilai nominal (Catatan 1c).
Obligasi Berkelanjutan II Tahap II ini merupakan These Continuing Bonds II Phase II are series bonds
obligasi berseri yang meliputi Obligasi consisting of Continuing Bonds II Phase II Series A
Berkelanjutan II Tahap II seri A dengan nilai nominal with a nominal value of Rp400,000 and a fixed
Rp400.000 dengan tingkat suku bunga tetap interest rate of 7.80% per annum, Continuing Bonds
sebesar 7,80% per tahun, Obligasi Berkelanjutan II II Phase II Series B with a nominal value of
Tahap II Seri B dengan nilai nominal sebesar Rp320,500 and a fixed interest rate of 8.90% per
Rp320.500 dengan tingkat suku bunga tetap annum.
sebesar 8,90% per tahun.
Bunga Obligasi Berkelanjutan II Tahap II dibayarkan The Continuing Bonds II Phase II interest is paid on
setiap triwulan (tiga bulan) sejak Tanggal Emisi, a quarterly basis (three months) starting from the
dimana bunga Obligasi Berkelanjutan II Tahap II Issuance Date, the first Continuing Bonds II Phase
Seri A dan B pertama telah dibayarkan pada tanggal II Series A and B interest has been paid on
22 November 2017. Bunga Obligasi Berkelanjutan II November 22, 2017. The last Continuing Bonds II
Tahap II terakhir yang sekaligus jatuh tempo dengan Phase II interest, which falls due at the maturity of
masing-masing seri Obligasi Berkelanjutan II Tahap each series of the Continuing Bonds II Phase II, has
II telah dibayarkan pada tanggal 1 September 2018 been paid on September 1, 2018 for Series A and
untuk Seri A dan pada tanggal 22 Agustus 2020 on August 22, 2020 for Series B.
untuk Seri B.
Berdasarkan hasil pemeringkatan tahunan atas Based on results of the annual rating on long-term
surat utang jangka panjang sesuai dengan Surat debentures in accordance with Letter
No. 110/DIR/RAT/V/2020 tanggal 11 Mei 2020 dari No. 110/DIR/RAT/V/2020 dated May 11, 2020 from
Fitch Ratings, Obligasi Berkelanjutan II Tahap II Fitch Ratings, the Continuing Bonds II Phase II are
tersebut mendapat peringkat “AA-(idn)” (Double A, rated at “AA-(idn)” (Double A, Negative Rating
Negative Rating Watch). Watch).
Penerbitan Obligasi Berkelanjutan II Tahap II These Continuing Bonds II Phase II are secured by
dijamin secara fidusia dengan piutang Perusahaan the fiduciary transfers of the Company’s current
kepada pihak ketiga sehubungan dengan receivables from third parties in connection with the
pembiayaan pembelian kendaraan bermotor financing of the purchases of motor vehicles with an
dengan kategori lancar yang nilai seluruhnya tidak aggregate amount of not less than 60.00% of the
kurang dari 60,00% dari jumlah pokok Obligasi principal amount of Continuing Bonds II Phase II
Berkelanjutan II Tahap II yang terutang (Catatan 5). payable (Note 5).
Penerbitan Obligasi Berkelanjutan II Tahap II The issuance of Continuing Bonds II Phase II is

dilakukan sesuai dengan Akta Perjanjian covered in the Deed of Trusteeship Agreement of
Perwaliamanatan Obligasi Berkelanjutan II Tahap II Continuing Bonds II Phase II WOM Finance Year
WOM Finance Tahun 2017 No. 03 tanggal 2017 No. 03 dated August 1, 2017 of Ir. Nanette
1 Agustus 2017 di hadapan Ir. Nanette Cahyanie Cahyanie Handari Adi Warsito, S.H., Notary in
Handari Adi Warsito, S.H., Notaris di Jakarta, antara Jakarta, between the Company and PT Bank
Perusahaan dengan PT Bank Permata Tbk. Permata Tbk.
103
.01 .02 .03 .04


Obligasi Berkelanjutan II Tahap II WOM Finance Continuing Bonds II Phase II WOM Finance Year
Tahun 2017 (lanjutan) 2017 (continued)
Berdasarkan Surat Keterangan No. Ref Based on Letter No. Ref

0577/SK/SAS/TS/WB/II/2017, terhitung sejak 0577/SK/SAS/TS/WB/II/2017, starting from
tanggal 15 November 2017 saat diselenggarakan November 15, 2017 when a General Meeting of
Rapat Umum Pemegang Obligasi (RUPO), Bondholders (RUPO) was held, PT Bank Permata
PT Bank Permata Tbk berhenti menjadi wali amanat Tbk was no longer become trustee of Continuing
Obligasi Berkelanjutan II Tahap II Tahun 2017 Bonds II Phase II WOM Finance Year 2017, so for
sehingga untuk selanjutnya tugas dan tanggung the subsequent duties and responsibilities of the
jawab wali amanat akan beralih kepada wali amanat trustee will be continued by PT Bank Rakyat
yang baru yaitu PT Bank Rakyat Indonesia Indonesia (Persero) Tbk as by the new trustee which
(Persero) Tbk yang berlaku efektif sejak RUPO is effective since RUPO closed.
ditutup.
Obligasi berkelanjutan II Tahap II Seri A telah jatuh Continuing Bonds II Phase II Series A matured and
tempo dan dilunasi pada tanggal 1 September was fully paid on September 1, 2018.
2018.
Obligasi berkelanjutan II Tahap II Seri B telah jatuh Continuing Bonds II Phase II Series B matured and
tempo dan dilunasi pada tanggal 22 Agustus 2020. was fully paid on August 22, 2020.
Obligasi Berkelanjutan II Tahap III WOM Finance Continuing Bonds II Phase III WOM Finance Year
Tahun 2017 2017
Pada tanggal 6 Desember 2017, Perusahaan On December 6, 2017, the Company issued
menerbitkan Obligasi Berkelanjutan II Tahap III Continuing Bonds II Phase III WOM Finance Year
WOM Finance Tahun 2017 Dengan Tingkat Suku 2017 With Fixed Interest Rate (“Continuing Bonds II
Bunga Tetap (“Obligasi Berkelanjutan II Tahap III”) Phase III”) with a nominal value of Rp867,500, which
Obligasi Berkelanjutan II Tahap III ini merupakan These Continuing Bonds II Phase III are series
obligasi berseri yang meliputi Obligasi bonds consisting of Continuing Bonds II Phase III
Berkelanjutan II Tahap III Seri A dengan nilai Series A with a nominal value of Rp601,500 and a
nominal Rp601.500 dengan tingkat suku bunga fixed interest rate of 7.15% per annum, Continuing
tetap sebesar 7,15% per tahun, Obligasi Bonds II Phase III Series B with a nominal value of
Berkelanjutan II Tahap III Seri B dengan nilai Rp266,000 and a fixed interest rate of 8.45% per
nominal sebesar Rp266.000 dengan tingkat suku annum.
bunga tetap sebesar 8,45% per tahun.
Bunga Obligasi Berkelanjutan II Tahap III The Continuing Bonds II Phase III interest is paid on
dibayarkan setiap triwulan (tiga bulan) sejak a quarterly basis (three months) starting from the
Tanggal Emisi, dimana bunga Obligasi Issuance Date, the first Continuing Bonds II Phase
Berkelanjutan II Tahap III Seri A dan B pertama III Series A and B interest has been paid on March
telah dibayarkan pada tanggal 6 Maret 2018. Bunga 6, 2018. The last Continuing Bonds II Phase III
Obligasi Berkelanjutan II Tahap III terakhir yang interest, which falls due at the maturity of each series
sekaligus jatuh tempo dengan masing-masing seri of the Continuing Bonds II Phase III, has been paid
Obligasi Berkelanjutan II Tahap III telah dibayarkan on December 16, 2018 for Series A and on
pada tanggal 16 Desember 2018 untuk Seri A dan December 6, 2020 for Series B.
pada tanggal 6 Desember 2020 untuk Seri B.
104
.05 .06 .07


Obligasi Berkelanjutan II Tahap III WOM Finance Continuing Bonds II Phase III WOM Finance Year
Berdasarkan hasil pemeringkatan tahunan atas Based on results of the annual rating on long-term
surat utang jangka panjang sesuai dengan Surat debentures in accordance with Letter
No. 110/DIR/RAT/V/2020 tanggal 11 Mei 2020 dari No. 110/DIR/RAT/V/2020 dated May 11, 2020 from
Fitch Ratings, Obligasi Berkelanjutan II Tahap III Fitch Ratings, the Continuing Bonds II Phase III are
tersebut mendapat peringkat “AA-(idn)” (Double A, rated at “AA-(idn)” (Double A, Negative Rating
Penerbitan Obligasi Berkelanjutan II Tahap III These Continuing Bonds II Phase III are secured by
kurang dari 60,00% dari jumlah pokok Obligasi principal amount of Continuing Bonds II Phase III
Berkelanjutan II Tahap III yang terutang payable (Note 5).
(Catatan 5).
Penerbitan Obligasi Berkelanjutan II Tahap III The issuance of Continuing Bonds II Phase III is
Perwaliamanatan Obligasi Berkelanjutan II Tahap Continuing Bonds II Phase III WOM Finance Year
III WOM Finance Tahun 2017 No. 46 tanggal 16 2017 No. 46 dated November 16, 2017 of Ir. Nanette
November 2017 di hadapan Ir. Nanette Cahyanie Cahyanie Handari Adi Warsito, S.H., Notary in
Handari Adi Warsito, S.H., Notaris di Jakarta, antara Jakarta, between the Company and PT Bank Rakyat
Perusahaan dengan PT Bank Rakyat Indonesia Indonesia (Persero) Tbk.
(Persero) Tbk.
Obligasi Berkelanjutan II Tahap III Seri A telah jatuh Continuing Bonds II Phase III Series A matured and
tempo dan dilunasi pada tanggal 16 Desember was fully paid on December 16, 2018.
2018.
Obligasi Berkelanjutan II Tahap III Seri B telah jatuh Continuing Bonds II Phase III Series B matured and
tempo dan dilunasi pada tanggal 6 Desember 2020. was fully paid on December 6, 2020.
Obligasi Berkelanjutan II Tahap IV WOM Finance Continuing Bonds II Phase IV WOM Finance Year
Tahun 2018 2018
Pada tanggal 6 April 2018, Perusahaan On April 6, 2018, the Company issued Continuing
menerbitkan Obligasi Berkelanjutan II Tahap IV Bonds II Phase IV WOM Finance Year 2018 With
WOM Finance Tahun 2018 Dengan Tingkat Suku Fixed Interest Rate (“Continuing Bonds II Phase IV”)
Bunga Tetap (“Obligasi Berkelanjutan II Tahap IV”) with a nominal value of Rp793,000, which were
dengan nilai nominal sebesar Rp793.000, yang offered at par (Note 1c).
Obligasi Berkelanjutan II Tahap IV ini merupakan These Continuing Bonds II Phase IV are series
obligasi berseri yang meliputi Obligasi bonds consisting of Continuing Bonds II Phase IV
Berkelanjutan II Tahap IV Seri A dengan nilai Series A with a nominal value of Rp626,000 and a
tetap sebesar 6,85% per tahun, Obligasi Bonds II Phase IV Series B with a nominal value of
Berkelanjutan II Tahap IV Seri B dengan nilai Rp55,000 and a fixed interest rate of 7.50% per
nominal sebesar Rp55.000 dengan tingkat suku annum, Continuing Bonds II Phase IV Series C with
bunga tetap sebesar 7,50% per tahun, Obligasi a nominal value of Rp112,000 and a fixed interest
Berkelanjutan II Tahap IV Seri C dengan nilai rate of 8.15% per annum.
nominal sebesar Rp112.000 dengan tingkat suku
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Obligasi Berkelanjutan II Tahap IV WOM Finance Continuing Bonds II Phase IV WOM Finance Year
Bunga Obligasi Berkelanjutan II Tahap IV The Continuing Bonds II Phase IV interest is paid on
Tanggal Emisi, dimana bunga Obligasi Issuance Date, the first Continuing Bonds II Phase
Berkelanjutan II Tahap IV Seri A, B, dan C pertama IV Series A, B, and C interest has been paid on July
telah dibayarkan pada tanggal 6 Juli 2018. Bunga 6, 2018. The last Continuing Bonds II Phase IV
Obligasi Berkelanjutan II Tahap IV terakhir yang interest, which falls due at the maturity of each series
sekaligus jatuh tempo dengan masing-masing seri of the Continuing Bonds II Phase IV, has been paid
Obligasi Berkelanjutan II Tahap IV telah dibayarkan on April 16, 2019 for Series A, on April 6, 2020 for
pada tanggal 16 April 2019 untuk Seri A, pada Series B, and on April 6, 2021 for Series C.
tanggal 6 April 2020 untuk Seri B, dan pada tanggal
6 April 2021 untuk Seri C.
Berdasarkan hasil pemeringkatan tahunan terbaru Based on latest results of the annual rating on long-
atas surat utang jangka panjang sesuai dengan term debentures in accordance with Letter
Surat No. 018/DIR/RATLT/II/2021 tanggal 10 No. 018/DIR/RATLT/II/2021 dated February 10,
Februari 2021 dari Fitch Ratings, Obligasi 2021 from Fitch Ratings, the Continuing Bonds II
Berkelanjutan II Tahap IV tersebut mendapat Phase IV are rated at “AA-(idn)” (Double A, Negative
peringkat “AA-(idn)” (Double A, Negative Rating Rating Watch).
Watch).
Penerbitan Obligasi Berkelanjutan II Tahap IV These Continuing Bonds II Phase IV are secured by
kurang dari 60,00% dari jumlah pokok Obligasi principal amount of Continuing Bonds II Phase IV
Berkelanjutan II Tahap IV yang terutang payable (Note 5).
(Catatan 5).
Penerbitan Obligasi Berkelanjutan II Tahap IV The issuance of Continuing Bonds II Phase IV is

Perwaliamanatan Obligasi Berkelanjutan II Tahap Continuing Bonds II Phase IV WOM Finance Year
IV WOM Finance Tahun 2018 No. 94 tanggal 5 2018 No. 94 dated March 5, 2018, as amended by
Maret 2018, sebagaimana diubah dengan the Deed of Amendment I on the Trusteeship
Addendum I Perjanjian Perwaliamanatan No. 129 Agreement No. 129 dated March 20, 2018, all of Ir.
tanggal 20 Maret 2018, yang keduanya dibuat di Nanette Cahyanie Handari Adi Warsito, S.H., Notary
hadapan Ir. Nanette Cahyanie Handari Adi Warsito, in Jakarta, between the Company and PT Bank
S.H., Notaris di Jakarta, antara Perusahaan dengan Rakyat Indonesia (Persero) Tbk.
PT Bank Rakyat Indonesia (Persero) Tbk.
Obligasi Berkelanjutan II Tahap IV Seri A telah jatuh Continuing Bonds II Phase IV Series A matured and
tempo dan dilunasi pada tanggal 16 April 2019. was fully paid on April 16, 2019
Obligasi Berkelanjutan II Tahap IV Seri B telah jatuh Continuing Bonds II Phase IV Series B matured and
tempo dan dilunasi pada tanggal 6 April 2020. was fully paid on April 6, 2020.
Obligasi Berkelanjutan II Tahap IV Seri C telah jatuh Continuing Bonds II Phase IV Series C matured and
tempo dan dilunasi pada tanggal 6 April 2021. was fully paid on April 6, 2021.
106
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Obligasi Berkelanjutan II Tahap V WOM Finance Continuing Bonds II Phase V WOM Finance Year
Tahun 2018 2018
Pada tanggal 8 Juni 2018, Perusahaan menerbitkan On June 8, 2018, the Company issued Continuing
Obligasi Berkelanjutan II Tahap V WOM Finance Bonds II Phase V WOM Finance Year 2018 With
Tahun 2018 Dengan Tingkat Suku Bunga Tetap Fixed Interest Rate (“Continuing Bonds II Phase V”)
(“Obligasi Berkelanjutan II Tahap V”) dengan nilai with a nominal value of Rp360,500, which were
nominal sebesar Rp360.500, yang ditawarkan pada offered at par (Note 1c).
nilai nominal (Catatan 1c).
Obligasi Berkelanjutan II Tahap V ini merupakan These Continuing Bonds II Phase V are series bonds
obligasi berseri yang meliputi Obligasi consisting of Continuing Bonds II Phase V Series A
Berkelanjutan II Tahap V Seri A dengan nilai with a nominal value of Rp293,000 and a fixed
nominal Rp293.000 dengan tingkat suku bunga interest rate of 7.35% per annum, Continuing Bonds
tetap sebesar 7,35% per tahun, Obligasi II Phase V Series B with a nominal value of
Berkelanjutan II Tahap V Seri B dengan nilai Rp67,500 and a fixed interest rate of 8.60% per
Bunga Obligasi Berkelanjutan II Tahap V The Continuing Bonds II Phase V interest is paid on
Tanggal Emisi, dimana bunga Obligasi Issuance Date, the first Continuing Bonds II Phase V
Berkelanjutan II Tahap V Seri A dan B pertama telah Series A and B interest has been paid on September
dibayarkan pada tanggal 8 September 2018. Bunga 8, 2018. The last Continuing Bonds II Phase V
Obligasi Berkelanjutan II Tahap V terakhir yang interest, which falls due at the maturity of each series
sekaligus jatuh tempo dengan masing-masing seri of the Continuing Bonds II Phase V, has been paid
Obligasi Berkelanjutan II Tahap V telah dibayarkan on June 18, 2019 for Series A and on June 8, 2021
pada tanggal 18 Juni 2019 untuk Seri A dan pada for Series B.
tanggal 8 Juni 2021 untuk Seri B.
Februari 2021 dari Fitch Ratings, Obligasi 2021 from Fitch Ratings, the Continuing Bonds II
Berkelanjutan II Tahap V tersebut mendapat Phase V are rated at “AA-(idn)” (Double A, Negative
Watch).
Penerbitan Obligasi Berkelanjutan II Tahap V These Continuing Bonds II Phase V are secured by
dengan kategori lancar yang nilai seluruhnya tidak aggregate of not less than 60.00% of the principal
kurang dari 60,00% dari jumlah pokok Obligasi amount of Continuing Bonds II Phase V payable
Berkelanjutan II Tahap V yang terutang (Catatan 5). (Note 5).
Penerbitan Obligasi Berkelanjutan II Tahap V The issuance of Continuing Bonds II Phase V is

Perwaliamanatan Obligasi Berkelanjutan II Tahap V Continuing Bonds II Phase V WOM Finance Year
WOM Finance Tahun 2018 No. 45 tanggal 18 Mei 2018 No. 45 dated May 18, 2018 of Ir. Nanette
2018 di hadapan Ir. Nanette Cahyanie Handari Adi Cahyanie Handari Adi Warsito, S.H., Notary in
Warsito, S.H., Notaris di Jakarta, antara Jakarta, between the Company and PT Bank Rakyat
Perusahaan dengan PT Bank Rakyat Indonesia Indonesia (Persero) Tbk.
(Persero) Tbk.
107
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Obligasi Berkelanjutan II Tahap V WOM Finance Continuing Bonds II Phase V WOM Finance Year
Obligasi Berkelanjutan II Tahap V Seri A telah jatuh Continuing Bonds II Phase V Series A matured and
tempo dan dilunasi pada tanggal 18 Juni 2019. was fully paid on June 18, 2019.
Obligasi Berkelanjutan II Tahap V Seri B telah jatuh Continuing Bonds II Phase V Series B matured and
Obligasi Berkelanjutan III Tahap I WOM Finance Continuing Bonds III Phase I WOM Finance Year
Tahun 2018 2018
Pada tanggal 20 Desember 2018, Perusahaan On December 20, 2018, the Company issued
menerbitkan Obligasi Berkelanjutan III Tahap I Continuing Bonds III Phase I WOM Finance Year
WOM Finance Tahun 2018 Dengan Tingkat Suku 2018 With Fixed Interest Rate (“Continuing Bonds III
Bunga Tetap (“Obligasi Berkelanjutan III Tahap I”) Phase I”) with a nominal value of Rp570,500, which
Obligasi Berkelanjutan III Tahap I ini merupakan These Continuing Bonds III Phase I are series bonds
obligasi berseri yang meliputi Obligasi consisting of Continuing Bonds III Phase I Series A
Berkelanjutan III Tahap I Seri A dengan nilai with a nominal value of Rp411,500 and a fixed
nominal Rp411.500 dengan tingkat suku bunga interest rate of 9.25% per annum, Continuing Bonds
tetap sebesar 9,25% per tahun, Obligasi III Phase I Series B with a nominal value of Rp40,000
Berkelanjutan III Tahap I Seri B dengan nilai and a fixed interest rate of 9.75% per annum,
nominal sebesar Rp40.000 dengan tingkat suku Continuing Bonds III Phase I Series C with a nominal
bunga tetap sebesar 9,75% per tahun, Obligasi value of Rp119,000 and a fixed interest rate of
Berkelanjutan III Tahap I Seri C dengan nilai 10.00% per annum.
Bunga Obligasi Berkelanjutan III Tahap I setiap The Continuing Bonds III Phase I interest is paid on
triwulan (tiga bulan) sejak Tanggal Emisi, dimana a quarterly basis (three months) starting from the
bunga Obligasi Berkelanjutan III Tahap I Seri A, B, Issuance Date, the first Continuing Bonds III Phase I
dan C pertama telah dibayarkan pada tanggal 20 Series A, B, and C interest has been paid on March
Maret 2019. Bunga Obligasi Berkelanjutan III 20, 2019. The last Continuing Bonds III Phase I
Tahap I terakhir yang sekaligus jatuh tempo dengan interest, which falls due at the maturity of each series
masing-masing seri Obligasi Berkelanjutan III of the Continuing Bonds III Phase I, has been paid
Tahap I telah dibayarkan pada tanggal 30 on December 30, 2019 for Series A, on December
Desember 2019 untuk Seri A, pada tanggal 20 20, 2020 for Series B, and will be paid on December
Desember 2020 untuk Seri B, dan akan dibayarkan 20, 2021 for Series C.
pada tanggal 20 Desember 2021 untuk Seri C.
Februari 2021 dari Fitch Ratings, Obligasi 2021 from Fitch Ratings, the Continuing Bonds III
Berkelanjutan III Tahap I tersebut mendapat Phase I are rated at “AA-(idn)” (Double A, Negative
Watch).
108
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Obligasi Berkelanjutan III Tahap I WOM Finance Continuing Bonds III Phase I WOM Finance Year
Penerbitan Obligasi Berkelanjutan III Tahap I These Continuing Bonds III Phase I are secured by
kurang dari 60,00% dari jumlah pokok Obligasi principal amount of Continuing Bonds III Phase I
Berkelanjutan III Tahap I yang terutang (Catatan 5). payable (Note 5).
Penerbitan Obligasi Berkelanjutan III Tahap I The issuance of Continuing Bonds III Phase I is
Perwaliamanatan Obligasi Berkelanjutan III Tahap Continuing Bonds III Phase I WOM Finance Year
I WOM Finance Tahun 2018 No. 31 tanggal 2018 No. 31 dated October 11, 2018, as amended
11 Oktober 2018, sebagaimana diubah dengan by the Deed of Amendment I on the Trusteeship
Addendum I Perjanjian Perwaliamanatan No. 8 Agreement No. 8 dated December 6, 2018, as
tanggal 6 Desember 2018, sebagaimana diubah amended by the Deed of Amendment II on the
dengan Adendum II Perjanjian Perwaliamanatan Trusteeship Agreement No. 37 dated December 18,
No. 37 tanggal 18 Desember 2018, yang ketiganya 2018, all of Ir. Nanette Cahyanie Handari Adi
dibuat di hadapan Ir. Nanette Cahyanie Handari Warsito, S.H., Notary in Jakarta, between the
Adi Warsito, S.H., Notaris di Jakarta, antara Company and PT Bank Rakyat Indonesia (Persero)
Perusahaan dengan PT Bank Rakyat Indonesia Tbk.
(Persero) Tbk.
Obligasi berkelanjutan III Tahap I Seri A telah jatuh Continuing Bonds III Phase I Series A matured and
2019.
Obligasi berkelanjutan III Tahap I Seri B telah jatuh Continuing Bonds III Phase I Series B matured and
2020.
Obligasi berkelanjutan III Tahap I Seri C telah jatuh Continuing Bonds III Phase I Series C matured and
2021.
Obligasi Berkelanjutan III Tahap II WOM Finance Continuing Bonds III Phase II WOM Finance Year
Tahun 2019 2019
Pada tanggal 29 Mei 2019, Perusahaan On May 29, 2019, the Company issued Continuing
menerbitkan Obligasi Berkelanjutan III Tahap II Bonds III Phase II WOM Finance Year 2019 With
WOM Finance Tahun 2019 Dengan Tingkat Suku Fixed Interest Rate (“Continuing Bonds III Phase II”)
Bunga Tetap (“Obligasi Berkelanjutan III Tahap II”) with a nominal value of Rp1,675,000, which were
dengan nilai nominal sebesar Rp1.675.000, yang offered at par (Note 1c).
109
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Obligasi Berkelanjutan III Tahap II ini merupakan These Continuing Bonds III Phase II are series
obligasi berseri yang meliputi Obligasi bonds consisting of Continuing Bonds III Phase II
Berkelanjutan III Tahap II Seri A dengan nilai Series A with a nominal value of Rp931,500 and a
tetap sebesar 8,50% per tahun, Obligasi Bonds III Phase II Series B with a nominal value of
Berkelanjutan III Tahap II Seri B dengan nilai Rp125,500 and a fixed interest rate of 9.15% per
nominal sebesar Rp125.500 dengan tingkat suku annum, Continuing Bonds III Phase II Series C with
bunga tetap sebesar 9,15% per tahun, Obligasi a nominal value of Rp618,000 and a fixed interest
Berkelanjutan III Tahap II Seri C dengan nilai rate of 9.85% per annum.
Bunga Obligasi Berkelanjutan III Tahap II setiap The Continuing Bonds III Phase II interest is paid on
bunga Obligasi Berkelanjutan III Tahap II Seri A, B, Issuance Date, the first Continuing Bonds III Phase
dan C pertama telah dibayarkan pada tanggal 29 II Series A, B, and C interest has been paid on
Agustus 2019. Bunga Obligasi Berkelanjutan III August 29, 2019. The last Continuing Bonds III
Tahap II terakhir yang sekaligus jatuh tempo Phase II interest, which falls due at the maturity of
dengan masing-masing seri Obligasi Berkelanjutan each series of the Continuing Bonds III Phase II, has
III Tahap II telah dibayarkan pada tanggal 9 Juni been paid on June 9, 2020 for Series A, on May 29,
2020 untuk Seri A, pada tanggal 29 Mei 2021 untuk 2021 for Series B, and will be paid on May 29, 2022
Seri B, dan akan dibayarkan pada tanggal 29 Mei for Series C.
2022 untuk Seri C.
Berkelanjutan III Tahap II tersebut mendapat Phase II are rated at “AA-(idn)” (Double A, Negative
Watch).
Penerbitan Obligasi Berkelanjutan III Tahap II These Continuing Bonds III Phase II are secured by
kurang dari 60,00% dari jumlah pokok Obligasi principal amount of Continuing Bonds III Phase II
Berkelanjutan III Tahap II yang terutang payable (Note 5).
(Catatan 5).
Penerbitan Obligasi Berkelanjutan III Tahap II The issuance of Continuing Bonds III Phase II is
Perwaliamanatan Obligasi Berkelanjutan III Tahap Continuing Bonds III Phase II WOM Finance Year
II WOM Finance Tahun 2019 No. 77 tanggal 10 Mei 2019 No. 77 dated May 10, 2019, of Ir. Nanette
2019 yang dibuat di hadapan Ir. Nanette Cahyanie Cahyanie Handari Adi Warsito, S.H., Notary in
Handari Adi Warsito, S.H., Notaris di Jakarta, Jakarta, between the Company and PT Bank Rakyat
antara Perusahaan dengan PT Bank Rakyat Indonesia (Persero) Tbk.
Indonesia (Persero) Tbk.
Obligasi Berkelanjutan III Tahap II Seri A telah jatuh Continuing Bonds III Phase II Series A matured and
110
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Obligasi Berkelanjutan III Tahap II Seri B telah jatuh Continuing Bonds III Phase II Series B matured and
tempo dan dilunasi pada tanggal 29 Mei 2021. was fully paid on May 29, 2021.
pembiayaan konsumen yang dijaminkan untuk financing receivables pledged as collateral to the
Obligasi Berkelanjutan III Tahap II masing-masing Continuing Bonds III Phase II amounted to
sebesar Rp370.801 dan Rp446.102 (Catatan 5). Rp370,801 and Rp446,102, respectively (Note 5).
Obligasi Berkelanjutan III Tahap III WOM Finance Continuing Bonds III Phase III WOM Finance Year
Tahun 2020 2020
Pada tanggal 28 Mei 2020, Perusahaan On May 28, 2020, the Company issued Continuing
menerbitkan Obligasi Berkelanjutan III Tahap III Bonds III Phase III WOM Finance Year 2020 With
WOM Finance Tahun 2020 Dengan Tingkat Suku Fixed Interest Rate (“Continuing Bonds III Phase III”)
Bunga Tetap (“Obligasi Berkelanjutan III Tahap III”) with a nominal value of Rp260,300, which were
Obligasi Berkelanjutan III Tahap III ini merupakan These Continuing Bonds III Phase III are series
obligasi berseri yang meliputi Obligasi bonds consisting of Continuing Bonds III Phase III
Berkelanjutan III Tahap III Seri A dengan nilai Series A with a nominal value of Rp227,500 and a
tetap sebesar 8,50% per tahun, Obligasi Bonds III Phase III Series B with a nominal value of
Berkelanjutan III Tahap III Seri B dengan nilai Rp32,800 and a fixed interest rate of 9.60% per
Bunga Obligasi Berkelanjutan III Tahap III setiap The Continuing Bonds III Phase III interest is paid on
bunga Obligasi Berkelanjutan III Tahap III Seri A Issuance Date, the first Continuing Bonds III Phase
dan B pertama telah dibayarkan pada tanggal 28 III Series A and B interest has been paid on August
Agustus 2020. Bunga Obligasi Berkelanjutan III 28, 2020. The last Continuing Bonds III Phase III
Tahap III terakhir yang sekaligus jatuh tempo interest, which falls due at the maturity of each series
dengan masing-masing seri Obligasi Berkelanjutan of the Continuing Bonds III Phase III, has been paid
III Tahap III telah dibayarkan pada tanggal 8 Juni on June 8, 2021 for Series A, and will be paid on May
2021 untuk Seri A dan akan dibayarkan pada 28, 2023 for Series B.
tanggal 28 Mei 2023 untuk Seri B.
Berkelanjutan III Tahap III tersebut mendapat Phase III are rated at “AA-(idn)” (Double A, Negative
Watch).
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Obligasi Berkelanjutan III Tahap III WOM Finance Continuing Bonds III Phase III WOM Finance Year
Penerbitan Obligasi Berkelanjutan III Tahap III These Continuing Bonds III Phase III are secured by
kurang dari 60,00% dari jumlah pokok Obligasi principal amount of Continuing Bonds III Phase III
Berkelanjutan III Tahap III yang terutang payable (Note 5).
(Catatan 5).
Penerbitan Obligasi Berkelanjutan III Tahap III The issuance of Continuing Bonds III Phase III is
Perwaliamanatan Obligasi Berkelanjutan III Tahap Continuing Bonds III Phase III WOM Finance Year
III WOM Finance Tahun 2020 No. 06 tanggal 8 Mei 2020 No. 06 dated May 8, 2020, of Ir. Nanette
2020 yang dibuat di hadapan Ir. Nanette Cahyanie Cahyanie Handari Adi Warsito, S.H., Notary in
Handari Adi Warsito, S.H., Notaris di Jakarta, Jakarta, between the Company and PT Bank Rakyat
antara Perusahaan dengan PT Bank Rakyat Indonesia (Persero) Tbk as amended by the Deed of
Indonesia (Persero) Tbk sebagaimana diubah Amendment I on the Trusteeship Agreement No. 35
dengan Adendum I Perjanjian Perwaliamanatan dated May 19, 2020, all of Ir. Nanette Cahyanie
No. 35 tanggal 19 Mei 2020 yang keduanya dibuat Handari Adi Warsito, S.H., Notary in Jakarta,
di hadapan Ir. Nanette Cahyanie Handari Adi between the Company and PT Bank Rakyat
Warsito, S.H., Notaris di Jakarta, antara Indonesia (Persero) Tbk.
Perusahaan dengan PT Bank Rakyat Indonesia
(Persero) Tbk.
Obligasi Berkelanjutan III Tahap III Seri A telah Continuing Bonds III Phase III Series A matured and
jatuh tempo dan dilunasi pada tanggal 8 Juni 2021. was fully paid on June 8, 2021.
Obligasi Berkelanjutan III Tahap III sebesar Continuing Bonds III Phase III amounted to
Rp19.681 dan Rp156.181 (Catatan 5). Rp19,681 and Rp156,181, respectively (Note 5).
Obligasi Berkelanjutan III Tahap IV WOM Finance Continuing Bonds III Phase IV WOM Finance Year
Tahun 2020 2020
Pada tanggal 10 September 2020, Perusahaan On September 10, 2020, the Company issued
menerbitkan Obligasi Berkelanjutan III Tahap IV Continuing Bonds III Phase IV WOM Finance Year
WOM Finance Tahun 2020 Dengan Tingkat Suku 2020 With Fixed Interest Rate (“Continuing Bonds III
Bunga Tetap (“Obligasi Berkelanjutan III Tahap IV”) Phase IV”) with a nominal value of Rp500,000,
dengan nilai nominal sebesar Rp500.000, yang which were offered at par (Note 1c).
Obligasi Berkelanjutan III Tahap IV ini merupakan These Continuing Bonds III Phase IV are series
obligasi berseri yang meliputi Obligasi bonds consisting of Continuing Bonds III Phase IV
Berkelanjutan III Tahap IV Seri A dengan nilai Series A with a nominal value of Rp328,000 and a
tetap sebesar 8,00% per tahun, Obligasi Bonds III Phase IV Series B with a nominal value of
Berkelanjutan III Tahap IV Seri B dengan nilai Rp172,000 and a fixed interest rate of 9.15% per
112
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Obligasi Berkelanjutan III Tahap IV WOM Finance Continuing Bonds III Phase IV WOM Finance Year
Bunga Obligasi Berkelanjutan III Tahap IV setiap The Continuing Bonds III Phase IV interest is paid on
bunga Obligasi Berkelanjutan III Tahap IV Seri A Issuance Date, the first Continuing Bonds III Phase
dan B pertama telah dibayarkan pada tanggal 10 IV Series A and B interest has been paid on
Desember 2020. Bunga Obligasi Berkelanjutan III December 10, 2020. The last Continuing Bonds III
Tahap IV terakhir yang sekaligus jatuh tempo Phase IV interest, which falls due at the maturity of
dengan masing-masing seri Obligasi Berkelanjutan each series of the Continuing Bonds III Phase IV,
III Tahap IV telah dibayarkan pada tanggal 20 has been paid on September 20, 2021 for Series A,
September 2021 untuk Seri A dan akan dibayarkan and will be paid on September 10, 2023 for Series B.
pada tanggal 10 September 2023 untuk Seri B.
Berkelanjutan III Tahap IV tersebut mendapat Phase IV are rated at “AA-(idn)” (Double A, Negative
Watch).
Penerbitan Obligasi Berkelanjutan III Tahap IV These Continuing Bonds III Phase IV are secured by
kurang dari 60,00% dari jumlah pokok Obligasi principal amount of Continuing Bonds III Phase IV
Berkelanjutan III Tahap IV yang terutang payable (Note 5).
(Catatan 5).
Penerbitan Obligasi Berkelanjutan III Tahap IV The issuance of Continuing Bonds III Phase IV is
Perwaliamanatan Obligasi Berkelanjutan III Tahap Continuing Bonds III Phase IV WOM Finance Year
IV WOM Finance Tahun 2020 No. 32 tanggal 19 2020 No. 32 dated August 19, 2020, of Ir. Nanette
Agustus 2020 yang dibuat di hadapan Ir. Nanette Cahyanie Handari Adi Warsito, S.H., Notary in
Cahyanie Handari Adi Warsito, S.H., Notaris di Jakarta, between the Company and PT Bank Rakyat
Jakarta, antara Perusahaan dengan PT Bank Indonesia (Persero) Tbk.
Rakyat Indonesia (Persero) Tbk.
Obligasi Berkelanjutan III Tahap IV Seri A telah Continuing Bonds III Phase IV Series A matured and
jatuh tempo dan dilunasi pada tanggal 20 was fully paid on September 20, 2021.
September 2021.
Obligasi Berkelanjutan III Tahap IV sebesar Continuing Bonds III Phase IV amounting to
Rp103.201 dan Rp300.001 (Catatan 5). Rp103,201 and Rp300,001, respectively (Note 5).
113
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Obligasi Berkelanjutan IV Tahap I WOM Finance Continuing Bonds IV Phase I WOM Finance Year
Tahun 2021 2021
Pada tanggal 28 Juli 2021, Perusahaan On July 28, 2021, the Company issued Continuing
menerbitkan Obligasi Berkelanjutan IV Tahap I Bonds IV Phase I WOM Finance Year 2021 With
WOM Finance Tahun 2021 Dengan Tingkat Suku Fixed Interest Rate (“Continuing Bonds IV Phase I”)
Bunga Tetap (“Obligasi Berkelanjutan IV Tahap I”) with a nominal value of Rp500,000, which were
Obligasi Berkelanjutan IV Tahap I ini merupakan These Continuing Bonds IV Phase I are series
obligasi berseri yang meliputi Obligasi bonds consisting of Continuing Bonds IV Phase I
Berkelanjutan IV Tahap I Seri A dengan nilai Series A with a nominal value of Rp302,000 and a
tetap sebesar 5,50% per tahun, Obligasi Bonds IV Phase I Series B with a nominal value of
Berkelanjutan IV Tahap I Seri B dengan nilai Rp198,000 and a fixed interest rate of 7.00% per
Bunga Obligasi Berkelanjutan IV Tahap I setiap The Continuing Bonds IV Phase I interest is paid on
bunga Obligasi Berkelanjutan IV Tahap I Seri A dan Issuance Date, the first Continuing Bonds IV Phase
B pertama telah dibayarkan pada tanggal 28 I Series A and B interest has been paid on October
Oktober 2021. Bunga Obligasi Berkelanjutan IV 28, 2021. The last Continuing Bonds IV Phase I
Tahap I terakhir yang sekaligus jatuh tempo dengan interest, which falls due at the maturity of each series
masing-masing seri Obligasi Berkelanjutan IV of the Continuing Bonds IV Phase I, will be paid on
Tahap I akan dibayarkan pada tanggal 8 Agustus August 08, 2022 for Series A, and on July 28, 2024
2022 untuk Seri A dan pada tanggal 28 Juli 2024 for Series B.
untuk Seri B.
Berdasarkan hasil pemeringkatan terbaru atas surat Based on results of the annual rating on long-term
utang jangka panjang sesuai dengan Surat debentures in accordance with Letter
No. 124/DIR/RATLT/VII/2021 tanggal 16 Juli 2021 No. 124/DIR/RATLT/VII/2021 dated July 16, 2021
dari Fitch Ratings, Obligasi Berkelanjutan IV Tahap from Fitch Ratings, the Continuing Bonds IV Phase
I tersebut mendapat peringkat “AA-(idn)” (Double A, I are rated at “AA-(idn)” (Double A, Negative Rating
Penerbitan Obligasi Berkelanjutan IV Tahap I dijamin These Continuing Bonds IV Phase I are secured by the
secara fidusia dengan piutang Perusahaan kepada fiduciary transfers of the Company’s current receivables
pihak ketiga sehubungan dengan pembiayaan from third parties in connection with the financing of the
pembelian kendaraan bermotor dengan kategori lancar purchases of motor vehicles with an aggregate amount
yang nilai seluruhnya tidak kurang dari 60,00% dari of not less than 60.00% of the principal amount of
jumlah pokok Obligasi Berkelanjutan IV Tahap I yang Continuing Bonds IV Phase I payable (Note 5).
terutang (Catatan 5).
Penerbitan Obligasi Berkelanjutan IV Tahap I dilakukan The issuance of Continuing Bonds IV Phase I is
sesuai dengan Akta Perjanjian Perwaliamanatan covered in the Deed of Trusteeship Agreement of
Obligasi Berkelanjutan IV Tahap I WOM Finance Tahun Continuing Bonds IV Phase I WOM Finance Year 2021
2021 No. 30 tanggal 23 April 2021, sebagaimana No. 30 dated April 23, 2021, as amended by the Deed
diubah dengan Addendum I Perjanjian of Amendment I on the Trusteeship Agreement No. 31
Perwaliamanatan No. 31 tanggal 30 Mei 2021, dated May 30, 2021, as amended by the Deed of
sebagaimana diubah dengan Adendum II Perjanjian Amendment II on the Trusteeship Agreement No. 21
Perwaliamanatan No. 21 tanggal 8 Juli 2021, yang dated July 8, 2021, all of Ir. Nanette Cahyanie Handari
ketiganya dibuat di hadapan Ir. Nanette Cahyanie Adi Warsito, S.H., Notary in Jakarta, between the
Handari Adi Warsito, S.H., Notaris di Jakarta, antara Company and PT Bank Rakyat Indonesia (Persero)
Perusahaan dengan PT Bank Rakyat Indonesia Tbk.
(Persero) Tbk.
114
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Obligasi Berkelanjutan IV Tahap I WOM Finance Continuing Bonds IV Phase I WOM Finance Year 2021
Tahun 2021 (lanjutan) (continued)
Sebelum dilunasinya semua pokok dan bunga Prior to the redemption of the entire Continuing
Obligasi Berkelanjutan II Tahap II, III, IV, V, Obligasi Bonds II Phase II, III, IV, V, Continuing Bonds III
Berkelanjutan III Tahap I, II, III, IV, dan Obligasi Phase I, II, III, IV, and Continuing Bonds IV Phase I
Berkelanjutan IV Tahap I serta pengeluaran lain principal and payments of the interest and other
yang menjadi tanggung jawab Perusahaan charges which are the responsibility of the Company
sehubungan dengan penerbitan Obligasi in connection with the issuance of the Continuing
Berkelanjutan II Tahap II, III, IV, V, Obligasi Bonds II Phase II, III, IV, V, Continuing Bonds III
Berkelanjutan III Tahap I, II, III, IV, dan Obligasi Phase I, II, III, IV, and Continuing Bonds IV Phase I
Berkelanjutan IV Tahap I Perusahaan tanpa the Company, without the written consent of the
persetujuan tertulis dari Wali Amanat tidak Trustee shall not undertake, among others, merger
diperkenankan melakukan tindakan-tindakan, or business combination, which will have a negative
antara lain, melakukan penggabungan atau effect to the Company, obtain new loans which have
peleburan usaha yang akan mempunyai akibat more priority position than those arising from the
yang negatif terhadap Perusahaan, melakukan Continuing Bonds II Phase II, III, IV, V, Continuing
peminjaman utang baru yang memiliki kedudukan Bonds III Phase I, II, III, IV, and Continuing Bonds IV
lebih tinggi dari kedudukan utang yang timbul Phase I except loans obtained to finance the
berdasarkan Obligasi Berkelanjutan II Tahap II, III, Company’s business, declare or pay dividends as
IV, V, Obligasi Berkelanjutan III Tahap I, II, III, IV, long as the Company failed in servicing the loans
dan Obligasi Berkelanjutan IV Tahap I kecuali based on the Trusteeship Agreement, change the
pinjaman untuk pembiayaan usaha Perusahaan, main business of the Company and pledge any of
menyatakan atau membayar pembagian dividen the present or future assets including the rights on
selama Perusahaan lalai dalam melakukan the Company’s revenues which became the
pembayaran jumlah terutang berdasarkan collateral based on the Trusteeship Agreement and
Perjanjian Perwaliamanatan, mengubah bidang Indebtedness Agreement. The Company has
usaha utama Perusahaan dan menjaminkan aset complied with the covenants in those agreements as
termasuk hak atas pendapatan Perusahaan, baik of December 31, 2021 and 2020.
yang ada sekarang maupun yang akan diperoleh di
masa yang akan datang yang menjadi jaminan
berdasarkan Perjanjian Perwaliamanatan dan Akta
Pengakuan Utang. Perusahaan telah memenuhi
batasan-batasan yang diwajibkan dalam perjanjian
per tanggal 31 Desember 2021 dan 2020.
Satu tahun setelah tanggal penjatahan, Perusahaan One year after the allotment date, the Company
dapat melakukan pembelian kembali (buy back) may repurchase (buy back) the bonds partially or
untuk sebagian atau seluruh obligasi sebelum fully prior to due date of the bonds principal. The
tanggal pelunasan pokok obligasi. Perusahaan Company has the right to treat the repurchase
mempunyai hak untuk memberlakukan pembelian (buy back) to be used as the bonds redemption or
kembali (buy back) tersebut untuk dipergunakan to be subsequently sold at market price following
sebagai pelunasan obligasi atau untuk kemudian the provisions of Trustee Agreements and
dijual kembali dengan harga pasar dengan prevailing regulation.
memperhatikan ketentuan dalam Perjanjian
Perwaliamanatan dan peraturan perundang-
115
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21. MODAL SAHAM 21. CAPITAL STOCK
Pada tanggal 31 Desember 2021 dan 2020, rincian As of December 31, 2021 and 2020, the details of
kepemilikan saham Perusahaan dengan nilai the Company’s shares of stock with a par value of
nominal sebesar Rp100 (dalam nilai penuh) per Rp100 (in full amount) per share are as follows:
lembar saham adalah sebagai berikut:
31 Desember/
December 31, 2021
Jumlah Saham
Ditempatkan
dan Disetor Penuh/ Persentase
Number of Shares Pemilikan/
Issued and Percentage of Jumlah/
Pemegang Saham Fully Paid Ownership Amount Shareholders
PT Bank Maybank Indonesia Tbk 2.349.646.729 67,49% 234.965 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 870.600.000 25,01% 87.060 PT Wahana Makmur Sejati
Masyarakat umum (masing-masing
dibawah 5,00%) 261.234.751 7,50% 26.123 Public (each below 5.00%)
Total 3.481.481.480 100,00% 348.148 Total
31 Desember/
December 31, 2020
Jumlah Saham
Ditempatkan
dan Disetor Penuh/ Persentase
Number of Shares Pemilikan/
Issued and Percentage of Jumlah/
Pemegang Saham Fully Paid Ownership Amount Shareholders
PT Bank Maybank Indonesia Tbk 2.386.646.729 68,55% 238.665 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 870.600.000 25,01% 87.060 PT Wahana Makmur Sejati
Masyarakat umum (masing-masing
dibawah 5,00%) 224.234.751 6,44% 22.423 Public (each below 5.00%)
Total 3.481.481.480 100,00% 348.148 Total
Laba per saham Earnings per share

2021 2020
Laba tahun berjalan 110.610 57.378 Income for the year
Jumlah saham biasa yang beredar Number of ordinary shares

(dalam nilai penuh) 3.481.481.480 3.481.481.480 outstanding (in full amount)
Laba per saham dasar Basic earnings per share

(dalam nilai penuh) 31,77 16,48 (in full amount)
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22. MODAL DISETOR LAINNYA 22. ADDITIONAL PAID-IN CAPITAL
Modal disetor lainnya merupakan selisih antara Additional paid-in capital represents the difference
jumlah harga jual dengan jumlah nilai nominal between the selling price and the par value of the
saham yang ditawarkan kepada masyarakat setelah shares offered to the public after being deducted
dikurangi dengan seluruh beban yang berhubungan with the total expenses related to the public
dengan penawaran umum saham Perusahaan. issuance of the Company’s shares. The details as of
Rincian pada tanggal 31 Desember 2021 dan 2020 December 31, 2021 and 2020 are as follows:
2021 2020
Selisih lebih harga jual atas Excess of selling price over par
nilai nominal 171.852 171.852 the value
Dikurangi beban emisi efek ekuitas (11.662) (11.662) Less stock issuance costs
Neto 160.190 160.190 Net
Seluruh biaya emisi efek berasal dari penawaran All stock issuance costs arose from the public
umum yang dilakukan pada tahun 2015 dan 2004. offering conducted in 2015 and 2004.
23. SALDO LABA YANG TELAH DITENTUKAN 23. APPROPRIATION OF RETAINED EARNINGS
PENGGUNAANNYA DAN DIVIDEN KAS AND CASH DIVIDENDS
Berdasarkan Akta Berita Acara Rapat Umum Based on Deed of Minutes of Annual General
Pemegang Saham (“RUPS”) Tahunan No. 12 Meeting of Shareholders (“AGMS”) No. 12, dated
tanggal 30 Maret 2021 yang dibuat di hadapan March 30, 2021 of Aryanti Artisari, S.H., M.Kn.,
Aryanti Artisari, S.H., M.Kn., Notaris di Kota Notary in South Jakarta, the Shareholders approved
Administrasi Jakarta Selatan, para pemegang additional appropriation of retained earnings for
saham menyetujui penambahan cadangan umum general reserves amounting to Rp2,500.
dari laba bersih Perusahaan sebesar Rp2.500.
Berdasarkan Akta Berita Acara RUPS Tahunan No. Based on Deed of AGMS Minutes, No.13 dated
13 tanggal 12 Maret 2020 yang dibuat di hadapan March 12, 2020 of Aulia Taufani, S.H., Notary in
Aulia Taufani, S.H., Notaris di Kota Administrasi South Jakarta, the shareholders approved
Jakarta Selatan, para pemegang saham menyetujui additional appropriation of retained earnings for
penambahan cadangan umum dari laba bersih general reserves amounting to Rp1,000 and
Perusahaan sebesar Rp1.000 serta pembagian disburse cash dividend for the year ended
dividen tunai untuk tahun buku yang berakhir pada December 31, 2019 with maximum amount of
tanggal 31 Desember 2019 maksimal sebesar Rp77,901 or 30.00% of Company’s net income with
Rp77.901 atau 30,00% dari laba neto Perusahaan dividend around amount of Rp22.37 (in full amount)
dengan dividen sekitar sebesar Rp22,37 (dalam nilai per share.
penuh) per lembar saham.
117
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24. PENDAPATAN PEMBIAYAAN KONSUMEN, 24. CONSUMER FINANCING, CAPITAL FINANCING,

MODAL USAHA, DAN SEWA PEMBIAYAAN AND FINANCE LEASE INCOME

2021 2020

Pendapatan pembiayaan Consumer financing,
konsumen, modal usaha, capital financing,
dan sewa pembiayaan - bruto 1.242.914 1.609.987 and finance lease income - gross
Dikurangi hak bank-bank Less amounts of the bank’s rights
sehubungan dengan transaksi on such income relating to the
pembiayaan bersama joint financing
pinjaman (Catatan 31) (1.211) (21.781) cooperation (Note 31)
Pendapatan Pembiayaan Consumer Financing,

Konsumen, Modal Usaha, Capital Financing,
dan Sewa Pembiayaan - neto 1.241.703 1.588.206 and Finance Lease Income - net
Pada tahun yang berakhir pada tanggal-tanggal 31 For the years ended December 31, 2021 and 2020,
Desember 2021 dan 2020, tidak ada pendapatan the Company has no consumer financing, capital
pembiayaan konsumen, modal usaha, dan sewa financing, and finance lease income from one
pembiayaan dari satu konsumen saja yang melebihi customer exceeding of 10.00% of total consumer
10,00% dari total pendapatan konsumen. financing income.
Pada tahun yang berakhir pada tanggal-tanggal 31 For the years ended December 31, 2021 and 2020,
Desember 2021 dan 2020, pendapatan pembiayaan consumer financing income includes amortization of
konsumen termasuk amortisasi atas pendapatan income and transaction cost of consumer financing,
dan biaya transaksi piutang pembiayaan konsumen, capital financing, and finance lease receivables
pembiayaan modal usaha, dan sewa pembiayaan amounting to Rp8,407 and Rp111,035, respectively.
masing-masing sebesar Rp8.407 dan Rp111.035.
25. PENDAPATAN ADMINISTRASI 25. ADMINISTRATION INCOME

2021 2020
Pendapatan administrasi 53.116 58.047 Administration income

Pendapatan komisi asuransi 30.634 15.420 Insurance commission income
26. PENDAPATAN LAIN-LAIN 26. OTHER REVENUES

2021 2020
Pendapatan denda 115.873 149.898 Penalty income

Penerimaan kembali piutang Collection of receivables
yang telah dihapusbukukan 72.404 70.854 previously written-off
Pendapatan klaim asuransi 5.887 12.267 Insurance claim income
Total 237.220 305.771 Total
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27. BEBAN UMUM DAN ADMINISTRASI 27. GENERAL AND ADMINISTRATIVE EXPENSES

2021 2020
Alih daya 274.714 289.011 Outsourcing

Premi asuransi 39.622 58.711 Insurance premium
Sewa 29.361 23.875 Rentals
Kerugian agunan yang ditarik kembali 27.399 68.066 Losses on repossessed motor vehicle
Transportasi dan komunikasi 26.405 27.879 Transportation and communication
Pemasangan jaringan 18.239 19.507 Network installation
Perbaikan dan pemeliharaan 16.783 21.549 Repairs and maintenance
Promosi penjualan 16.146 7.595 Sales promotions
Materai 13.246 2.578 Stamp
Listrik dan air 9.705 10.718 Electricity and water
Legalitas 6.276 3.574 Legal
Percetakan 5.006 5.932 Printing
Pelatihan 3.446 4.978 Training
BPKB/STNK kendaraan 3.095 2.588 Vehicle’s BPKB/STNK
Honorarium konsultan 2.219 6.030 Consultancy fees
Perlengkapan kantor 1.986 2.569 Office supplies
Alat tulis kantor 1.833 3.058 Stationery
Penanganan dan rugi fraud 1.641 710 Fraud settlement and losses
Iuran keanggotaan 1.349 3.858 Membership expense
Perjamuan tamu 1.254 974 Entertainment
Kebersihan lingkungan 751 933 Cleaning service
Biaya pajak 128 3.107 Tax expense
Lain-lain (masing-masing dibawah Rp500) 1.127 720 Others (each below Rp500)
Total 501.731 568.520 Total
28. BEBAN GAJI DAN TUNJANGAN 28. SALARIES AND BENEFITS EXPENSES

2021 2020
Gaji dan tunjangan 283.051 318.177 Salaries and benefits

Insentif 24.902 26.346 Incentives
Total 307.953 344.523 Total
Beban gaji dan tunjangan adalah termasuk Salaries and benefits include compensation
kompensasi yang diterima Dewan Komisaris dan received by the Company’s Board of
Direksi Perusahaan dan beban imbalan kerja Commissioners and Directors and employee benefit
karyawan (Catatan 32 dan 33). expense (Notes 32 and 33).
119
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29. BEBAN PENDANAAN DAN KEUANGAN 29. FINANCING COSTS AND FINANCING CHARGES
2021 2020
Bunga Interests
Pihak ketiga (Catatan 14) 243.698 459.907 Third parties (Note 14)
(Catatan 14, 15, dan 32) 36.215 37.718 (Notes 14, 15, and 32)
Provisi dan administrasi Bank provision fees and
bank 7.865 15.207 administration charges
Beban bunga aset hak-guna Interest expense of right-of-use assets
Pihak ketiga 4.162 4.361 Third party
Pihak berelasi (Catatan 32) 13 39 Related party (Notes 32)
Amortisasi biaya-biaya emisi Amortization on bonds issuance
obligasi (Catatan 20 dan 32) 4.029 4.469 costs (Notes 20 and 32)
Total 295.982 521.701 Total
30. BEBAN LAIN-LAIN 30. OTHER EXPENSES

2021 2020
Biaya aplikasi kredit 8.966 4.547 Application credit expense

Biaya balai lelang 1.463 2.685 Auction fee
Bunga atas utang pembiayaan Interest on consumer
konsumen - kendaraan financing loans - vehicle
Pihak berelasi (Catatan 18 dan 32) 690 906 Related party (Notes 18 and 32)
Pihak ketiga (Catatan 18) 266 426 Third parties (Note 18)
31. PERJANJIAN-PERJANJIAN KERJASAMA 31. COOPERATION AGREEMENTS
PT Bank Maybank Indonesia Tbk (“BMI”) PT Bank Maybank Indonesia Tbk (“BMI”)
Berdasarkan Perjanjian Kerjasama Penerusan Based on the Credit Channeling Cooperation

Kredit No. 2 tanggal 1 November 2004, Perusahaan Agreement No. 2 dated November 1, 2004, the
telah memperoleh persetujuan kerjasama dari BMI Company has obtained an approval letter from BMI
dimana fasilitas kerjasama untuk penyaluran kredit in which the cooperation facility for the credit
kendaraan bermotor roda dua ditingkatkan dari channeling of two-wheeled motor vehicles was
Rp300.000 menjadi Rp500.000. increased from Rp300,000 to Rp500,000.
Seluruh fasilitas tersebut bersifat berulang All of facility was on a revolving basis. The financing
(revolving). Porsi pembiayaan BMI dan Perusahaan portion of BMI and the Company is 99.00% and
masing-masing 99,00% dan 1,00% (Catatan 32). 1.00%, respectively (Note 32).
Perjanjian ini telah mengalami beberapa kali The agreement has been amended several times,
perubahan, terakhir Perubahan Perjanjian the latest Amendment to the Joint Financing
Kerjasama Pembiayaan Bersama Pemberian Cooperation Agreement of Vehicle Credit Facility
Fasilitas Kendaraan Bermotor antara BMI dengan between BMI and the Company No.
Perusahaan No. SPj.2021.001/DIR CFS - Business SPj.2021.001/DIR CFS - Business Banking - Auto
Banking - Auto Loan tanggal 6 Juli 2021, fasilitas Loan dated July 6, 2021, the facility was changed to
kerjasama tersebut diubah menjadi Rp2.000.000 Rp2,000,000 with maturity date on March 15, 2022.
dengan tanggal jatuh tempo pada tanggal 15 Maret
2022.
120
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31. PERJANJIAN-PERJANJIAN KERJASAMA 31. COOPERATION AGREEMENTS (continued)

(lanjutan)
PT Bank Maybank Indonesia Tbk (“BMI”) (lanjutan) PT Bank Maybank Indonesia Tbk (“BMI”)
(continued)
Tingkat suku bunga efektif yang diberlakukan oleh The effective interest rate charged by BMI to the
BMI kepada Perusahaan adalah berkisar antara Company are ranging from 11.75% to 14.25% per
11,75% sampai dengan 14,25% per tahun. Sebagai annum. The motor vehicles financed by BMI through
jaminan adalah kendaraan bermotor yang dibiayai the Company (Note 5) serve as collateral. In
oleh BMI melalui Perusahaan (Catatan 5). Selain itu, addition, the Company is obliged to maintain the
Perusahaan wajib mempertahankan nilai rasio gearing ratio on-shore and off-shore of not more
perbandingan jumlah seluruh kewajiban terhadap than 10 : 1.
jumlah modal disetor (gearing ratio) on-shore dan
off-shore tidak lebih dari 10 : 1.
Berdasarkan Akad Kerjasama Pembiayaan Based on the Cooperation Joint Financing for
Bersama Fasilitas Pembiayaan Murabahah Murabahah Facility of Vehicle Credit between BMI
Kendaraan Bermotor antara BMI dengan and the Company No. SPJ.2015.006/PRESDIR -
Perusahaan No. SPJ.2015.006/PRESDIR - Sharia Sharia Banking dated July 1, 2015, the Company
Banking tanggal 1 Juli 2015, Perusahaan telah has obtained an approval letter from BMI in which
memperoleh persetujuan kerjasama dari BMI the cooperation facility for the credit channeling of
dimana fasilitas kerjasama untuk penyaluran kredit two-wheeled motor vehicles amounted to
kendaraan bermotor roda dua sebesar Rp2.020.202 Rp2,020,202 with period of the facility three (3)
dengan jangka waktu 3 (tiga) tahun sejak years from the signing date of agreement. All of
penandatanganan Akad. Seluruh fasilitas tersebut facility was on revolving basis. The financing portion
bersifat berulang (revolving). Porsi pembiayaan BMI of BMI and the Company is 99.00% and 1.00%,
dan Perusahaan masing-masing 99,00% dan 1,00% respectively (Note 32).
(Catatan 32).
Tingkat suku bunga efektif yang diberlakukan oleh The effective interest rate charged by BMI to the
BMI kepada Perusahaan adalah berkisar antara Company are ranging from 15.00% to 16.00% per
15,00% sampai dengan 16,00% per tahun untuk annum for the years ended December 31, 2021 and
tahun yang berakhir pada tanggal-tanggal 31 2020, respectively. The motor vehicles financed by
Desember 2021 dan 2020. Sebagai jaminan adalah BMI through the Company (Note 5) serve as
kendaraan bermotor yang dibiayai oleh BMI melalui collateral. In addition, the Company is obliged to
Perusahaan (Catatan 5). Selain itu, Perusahaan maintain the gearing ratio on-shore and off-shore of
wajib mempertahankan nilai rasio perbandingan not more than 10 : 1.
jumlah seluruh kewajiban terhadap jumlah modal
disetor (gearing ratio) on-shore dan off-shore tidak
lebih dari 10 : 1.
Perjanjian dengan BMI adalah perjanjian without The arrangement with BMI is on a without recourse
recourse sehingga utang bank dan piutang basis and therefore the related bank loans and
pembiayaan konsumen yang terkait disajikan secara consumer financing receivables are presented at
neto. net.
Perusahaan telah mematuhi seluruh persyaratan has complied with all significant terms and condition
penting sehubungan dengan persyaratan yang related to cooperation agreement as required by
diberikan oleh BMI tersebut di atas. BMI.
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32. TRANSAKSI DAN SALDO DENGAN PIHAK- 32. TRANSACTIONS AND BALANCES WITH
PIHAK BERELASI RELATED PARTIES
Dalam kegiatan usaha normal, Perusahaan In the normal course of business, the Company is
melakukan transaksi dengan pihak-pihak berelasi. engaged in transactions with related parties.
Pihak-pihak berelasi dan sifat hubungan adalah The related parties and nature of relationship are as
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/

Related parties Nature of relationship Nature of transaction
PT Bank Maybank Indonesia Tbk Pemegang saham mayoritas Rekening giro, deposito, utang obligasi,
(“BMI”) Perusahaan/The majority shareholder of the perjanjian kerjasama pembiayaan, utang
Company subordinasi, pendapatan bunga, beban
pendanaan, aset hak-guna, dan beban
penyusutan aset hak-guna/Current
accounts, time deposit, bonds payable, joint
financing, subordinated loan, interest
income, financing cost, right-of-use assets,
and depreciation of right-of-use assets
PT Maybank Indonesia Finance Hubungan entitas pengendali dengan Fasilitas pembiayaan konsumen-
(“MIF”) Perusahaan/Under common ownership with kendaraan/Financing facilities-vehicles
the Company
PT Wahanaartha Ritelindo (”WARI”) Hubungan afiliasi dengan Liabilitas sewa, beban bunga aset hak-
Perusahaan/Under affiliation with the guna, dan utang dealer/Lease liabilities,
Company interest expense of right-of-use assets, and
dealers payables
Malayan Banking Berhad Pemegang saham utama BMI/The ultimate Beban pendanaan/Financing cost
(”Maybank”) shareholder BMI
PT Asuransi Etiqa Internasional Hubungan afiliasi dengan Utang asuransi/Insurance payables

Indonesia (”Etiqa”) (dahulu PT Perusahaan/Under affiliation with the
Asuransi Asoka Mas)/PT Asuransi Company
Etiqa Internasional Indonesia
(”Etiqa”) (formerly PT Asuransi Asoka
Mas)
PT Maybank Kim Eng Sekuritas (”Kim Hubungan afiliasi dengan Jasa penjaminan emisi obligasi/Bonds
Eng”) Perusahaan/Under affiliation with the underwriting services
Company
Dewan Komisaris dan Direksi/Boards Personil manajemen kunci/Key Pinjaman karyawan, gaji, dan
of Commissioners and Directors management personnel tunjangan/Loans to employee, salaries, and
benefits
122
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PIHAK BERELASI (lanjutan) RELATED PARTIES (continued)
Ringkasan saldo dengan pihak-pihak berelasi dan The summary of related parties balances and
persentase saldo dengan pihak-pihak berelasi percentages of related parties balances to total
terhadap total aset, liabilitas serta pendapatan dan assets, liabilities, revenues and expenses are as
beban adalah sebagai berikut: follows:
2021 2020
ASET ASSETS
Kas dan setara kas Cash and cash equivalents
Bank (Catatan 4) 350.248 486.006 Cash in banks (Note 4)
Deposito berjangka (Catatan 4) - 44.979 Time deposits (Note 4)
Piutang lain-lain Other receivables
Pinjaman karyawan (Catatan 8) 1.386 4.080 Loans to employees (Note 8)
Persentase terhadap total aset Percentage to total assets

Kas dan setara kas Cash and cash equivalents
Bank 6,80% 9,20% Cash in Banks
Deposito berjangka - 0,85% Time deposits
Pinjaman karyawan 0,03% 0,08% Loans to employees
Biaya yang masih harus dibayar Accrued expenses
Beban bunga atas utang subordinasi Interest on subordinated loan
dan utang obligasi and bonds payable
(Catatan 14, 15, 16, dan 20) 3.535 3.160 (Notes 14, 15, 16, and 20)
Utang obligasi (Catatan 20) 109.425 166.685 Bonds payable (Note 20)
Utang subordinasi (Catatan 15) 200.000 200.000 Subordinated loan (Note 15)
Liabilitas sewa (Catatan 19) 34 459 Lease liabilities (Note 19)
Utang lain-lain Other payables
kendaraan (Catatan 10 dan 18) 6.554 6.604 vehicles (Notes 10 and 18)
Utang dealer (Catatan 18) 382 340 Dealers payables (Note 18)
Utang asuransi (Catatan 18) 81 34 Insurance payables (Note 18)
Utang atas transaksi pembiayaan Payables on joint
bersama (Catatan 18) 663 577 financing (Note 18)
Persentase terhadap total liabilitas Percentage to total liabilities

Biaya yang masih harus dibayar Accrued expenses
Beban bunga atas utang subordinasi Interest on subordinated loan,
dan utang obligasi 0,09% 0,08% and bonds payable
Utang obligasi 2,87% 4,10% Bonds payable
Utang subordinasi 5,24% 4,91% Subordinated loan
Liabilitas sewa 0,00% 0,01% Lease liabilities
Utang lain-lain Other payables
kendaraan 0,17% 0,16% vehicles
Utang dealer 0,01% 0,01% Dealers payables
Utang asuransi 0,00% 0,00% Insurance payables
Utang atas transaksi
pembiayaan bersama 0,02% 0,01% Payables on joint financing
123
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2021 2020
PENDAPATAN REVENUES
Pendapatan bunga kas dan Interest income on cash and
setara kas - bersih setelah pajak 5.350 23.666 cash equivalents - net of tax
Persentase terhadap
total pendapatan Percentage to total revenues
Pendapatan bunga kas dan Interest income on cash and
setara kas - bersih setelah pajak 0,34% 1,18% cash equivalents - net of tax
BEBAN EXPENSES
Beban bunga Interest expense of
aset hak-guna (Catatan 29) 13 39 right-of-use assets (Note 29)
Beban pendanaan atas utang Financing costs on subordinated loan
subordinasi (Catatan 15 dan 29) 24.333 24.400 (Notes 15 and 29)
Beban pendanaan atas utang obligasi Financing cost on bonds payable
(Catatan 20 dan 29) 11.882 13.318 (Notes 20 and 29)
Beban lain-lain - bunga atas utang Other expenses - interest on
pembiayaan konsumen - kendaraan consumer financing loans - vehicles
(Catatan 18 dan 30) 690 906 (Notes 18 and 30)
Persentase terhadap total beban Percentage to total expenses

Beban bunga Interest expense of
aset hak-guna 0,00% 0,00% right-of-use assets
Beban pendanaan atas utang Financing costs on
subordinasi 1,72% 1,28% subordinated loan
Beban pendanaan atas utang obligasi 0,84% 0,70% Financing cost on bonds payable
Beban lain-lain - bunga atas utang Other expenses - interest on
pembiayaan konsumen - kendaraan 0,05% 0,05% consumer financing loans - vehicles

2021 2020
Dewan Dewan
Komisaris/ Komisaris/
Board of Board of
Commissioners Commissioners
Imbalan kerja jangka pendek - gaji 2.909 2.545 Short term employment benefits - salaries
Imbalan kerja jangka pendek - Short term employment benefits -
tunjangan lainnya 242 623 others benefit
124
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2021 2020
Direksi/Board of Direksi/Board of
Directors Directors
Imbalan kerja jangka pendek - gaji 7.015 6.190 Short term employment benefits - salaries
Imbalan kerja jangka pendek - Short term employment benefits -
tunjangan lainnya 2.995 5.039 others benefit
Seluruh transaksi yang signifikan dengan pihak- All significant transactions with related parties are
pihak berelasi dilakukan dengan persyaratan dan conducted under commercial terms and condition
kondisi usaha pada umumnya yang mungkin tidak which may bot be similar to those conducted with
sama sebagaimana dilakukan dengan pihak ketiga third parties (Note 2c).
(Catatan 2c).
33. LIABILITAS IMBALAN KERJA 33. LIABILITY FOR EMPLOYEE BENEFITS
Perusahaan mencatat liabilitas imbalan kerja dan The Company accrued the liability for employee
imbalan jangka panjang lainnya pada tanggal benefits and other long-term benefits as of
31 Desember 2021 dan 2020 masing-masing December 31, 2021 and 2020 amounting to
sebesar Rp100.244 dan Rp126.636. Rp100,244 and Rp126,636, respectively.
Asumsi-asumsi signifikan yang digunakan dalam The significant assumptions used in calculations of
perhitungan aktuaris independen Kantor Aktuaria the independent firm of actuary Kantor Aktuaria
Yusi dan Rekan (dahulu PT Sentra Jasa Aktuaria) Yusi dan Rekan (formerly PT Sentra Jasa Aktuaria)
untuk tahun yang berakhir pada tanggal-tanggal 31 for the years ended December 31, 2021 and 2020
Desember 2021 dan 2020 berdasarkan laporannya based on their report dated January 7, 2022
masing-masing tanggal 7 Januari 2022 Nomor Number 294/KYR/II/22 and January 8, 2021
294/KYR/II/22 dan 8 Januari 2021 Nomor Number 14201/BPA/I/21.
14201/BPA/I/21.
Rekonsiliasi jumlah (aset) liabilitas imbalan pasti Reconciliation of the net defined (assets) liabilities
neto adalah sebagai berikut: are as follows:
2021 2020
Present value of
Nilai kini kewajiban imbalan pasti 104.133 129.453 the defined benefit obligation
Nilai wajar aset program (3.971) (2.817) Fair value of plan assets
Defisit 100.162 126.636 Deficit
Liabilitas Imbalan Pasti - neto 100.162 126.636 Defined Benefit Liabilities - net
Defined benefit obligation -

Nilai kewajiban karyawan kontrak 82 - contract employees
Liabilitas Imbalan Kerja 100.244 126.636 Liability for Employee Benefits
125
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33. LIABILITAS IMBALAN KERJA (lanjutan) 33. LIABILITY FOR EMPLOYEE BENEFITS
(continued)
Perubahan nilai kini kewajiban imbalan pasti adalah The changes in the present value of benefit
sebagai berikut: obligation are as follows:
2021 2020
Nilai kini kewajiban imbalan Present value of the defined benefit

pasti pada awal tahun 129.453 139.542 obligation at the beginning of the year
Biaya jasa kini 12.548 14.394 Current service cost
Biaya jasa lalu (20.048) (7) Past service cost
Biaya bunga 8.547 10.466 Interest cost
Lain-lain (1.728) (2.358) Others
Manfaat yang dibayarkan Benefit paid
Pembayaran manfaat dari aset program (10.961) (10.586) Benefit paid by plan asset
Pembayaran manfaat dari pemberi kerja (1.253) (1.105) Benefit paid by employer
Keuntungan aktuarial (12.425) (20.893) Actuarial gain
Total 104.133 129.453 Total
Mutasi nilai wajar atas aset program selama tahun The movements in the fair value of plan assets of the
berjalan adalah sebagai berikut: year are as follows:
2021 2020
Nilai wajar aset program Fair value of plan

pada awal tahun 2.817 3.572 at the beginning of year
Pendapatan bunga atas aset program 201 268 Interest income on plan assets
Iuran yang dibayarkan Contribution paid
Iuran yang dibayarkan
oleh pemberi kerja 12.000 10.000 Contribution paid by employer
Pembayaran manfaat dari aset program (10.961) (10.586) Benefit paid by plan assets
Imbal hasil atas aset program, tidak termasuk return on plan assets, excluding amounts
jumlah yang dimasukan dalam bunga include in net interest on the net defined
neto atas (aset) liabilitas imbalan pasti (86) (437) benefit (asset) liability
Nilai wajar aset program Fair value of plan assets

pada akhir tahun 3.971 2.817 at the end of year
Mutasi liabilitas imbalan kerja karyawan adalah The changes in the liability for employee benefits are
2021 2020
Saldo awal 126.636 135.970 Beginning balance

Beban imbalan kerja karyawan Employee benefits expense
selama tahun berjalan (796) 22.664 during the current year
Manfaat yang dibayarkan Benefit paid during
selama tahun berjalan the current year
Pembayaran iuran (12.000) (10.000) Contribution paid
Pembayaran manfaat (1.253) (1.105) Benefit paid
Jumlah yang diakui di Total amount recognized in
penghasilan komprehensif lainnya (12.425) (20.893) other comprehensive income
Saldo akhir 100.162 126.636 Ending balance
126
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(continued)
Total beban yang diakui pada laba rugi atas imbalan The total expense recognized in the profit or loss for
kerja karyawan adalah sebagai berikut: employee benefits are as follows:
2021 2020
Biaya jasa kini 12.548 14.394 Current service cost

Biaya jasa lalu (20.048) (7) Past service cost
Biaya bunga - neto 8.346 10.198 Interest costs - net
Imbalan kerja karyawan
jangka panjang lainnya (1.642) (1.921) Other long-term employee benefits
Beban imbalan kerja karyawan Employee benefits expense

selama tahun berjalan (796) 22.664 during the current year
Mulai tanggal 19 Oktober 2018, Perusahaan Starting from October 19, 2018, the Company
melakukan perjanjian kerja sama dengan Dana entered into Cooperation Agreement with Dana
Pensiun Lembaga Keuangan AIA Financial (pihak Pensiun Lembaga Keuangan AIA Financial (third
ketiga) terkait dengan pengelolaan program party) for the management of pension program for
pensiun untuk kompensasi pesangon. Program severance compensation. The program meets the
tersebut memenuhi kriteria sebagai plan aset. criteria of plan assets.
Pada tanggal 31 Desember 2021 dan 2020, nilai As of December 31, 2021 and 2020, investment
investasi yang dikutip di pasar aktif atas instrumen quoted in active market for Money Market
pasar uang PPUPK masing-masing sebesar instrument PPUPK amounting to Rp3,971 and
Rp3.971 dan Rp2.817. Rp2,817, respectively.
Perusahaan mencatat liabilitas imbalan kerja dan The Company accrued the liability for employee
imbalan jangka panjang lainnya pada tanggal 31 benefits and other long-term benefits as of
Desember 2021 dan 2020 berdasarkan December 31, 2021 and 2020, based on the
perhitungan aktuaris independen yang dilakukan independent actuarial calculation prepared by
oleh Kantor Aktuaria Yusi dan Rekan (dahulu PT Kantor Aktuaria Yusi dan Rekan (formerly PT
Sentra Jasa Aktuaria), yang dalam laporannya Sentra Jasa Aktuaria), an independent actuary,
masing-masing tertanggal 7 Januari 2022 dan 8 whose report dated January 7, 2022 and January 8,
Januari 2021, menggunakan metode “Projected 2021, respectively, applied the “Projected Unit
Unit Credit” dan asumsi-asumsi sebagai berikut: Credit” method and the following assumptions:
2021 2020
Tingkat diskonto (per tahun) 3,46 % - 7,56 % 3,26 % - 7,80 % Discount rate (per annum)
Tingkat kenaikan gaji tahunan 7,00 % 7,00% Annual salary increases
Tingkat mortalitas Tabel Mortalitas Indonesia TMI 2019/ Mortality rate
Indonesia Mortality Table TMI 2019
Tingkat cacat 10,00% tingkat mortalitas Disability rate
10.00% mortality rate
Tingkat pengunduran diri Resignation rate
dari karyawan sebelum for employee before
usia 30 tahun dan the age of 30 and
menurun secara linier will linearly
sampai dengan decrease until
0,00% pada umur 53 tahun 10,00% 0.00% at the age of 53
Usia pensiun 55 tahun/55 years Retirement age
127
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(continued)
Tabel berikut menyajikan sensitivitas atas The following tables summarize the sensitivity to a
kemungkinan perubahan tingkat suku bunga reasonably possible change in market interest rates,
pasar, dengan variabel lain dianggap tetap, with all other variables held constant, of the liability
terhadap liabilitas imbalan kerja dan beban jasa for employee benefits and current service cost as of
kini masing-masing pada tanggal 31 Desember December 31, 2021 and 2020, respectively:
2021 dan 2020:
31 Desember/December 31, 2021 31 Desember/December 31, 2020
Nilai kini Nilai kini

kewajiban kewajiban
imbalan pasti/ imbalan pasti/
Present value Beban jasa kini/ Present value Beban jasa kini/
of the benefit Current service of the benefit Current service
obligation cost obligation cost
Kenaikan suku bunga Increase in interest rate

dalam 1 poin persentase (5.545) (1.336) (9.093) (1.497) in 1 percentage point
Penurunan suku bunga Decrease in interest rate
dalam 1 poin persentase 14.974 1.583 16.564 1.780 1 percentage point
Tabel berikut menyajikan sensitivitas atas The following tables summarize the sensitivity to a
kemungkinan perubahan tingkat kenaikan gaji masa reasonably possible change in future salary
depan, dengan variabel lain dianggap tetap, incremental rates, with all other variables held
terhadap liabilitas imbalan kerja dan beban jasa kini constant, of the liability for employee benefits and
masing-masing pada tanggal 31 Desember 2021 current service cost as of December 31, 2021 and
dan 2020: 2020, respectively:
31 Desember/December 31, 2021 31 Desember/December 31, 2020
Nilai kini Nilai kini

kewajiban kewajiban
imbalan pasti/ imbalan pasti/
Present value Beban jasa kini/ Present value Beban jasa kini/
of the benefit Current service of the benefit Current service
cost cost cost cost
Kenaikan gaji dalam 1 poin Increase in salary

persentase 14.877 1.571 16.464 1.770 in 1 percentage point
Penurunan gaji dalam 1 poin Decrease in salary
persentase (5.633) (1.350) (9.218) (1.514) in 1 percentage point
Jatuh tempo dari liabilitas imbalan kerja yang tidak The maturity of the undiscounted liability for
didiskontokan adalah sebagai berikut: employee benefits are as follows:
2021 2020
1 tahun 4.599 4.676 1 year

Antara 1 - 2 tahun 4.521 6.098 Between 1 - 2 years
diatas 10 tahun 863.237 897.953 Until 10 years
128
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(continued)
Rata-rata durasi tertimbang kewajiban imbalan The average duration of the defined benefit
pasti adalah sebagai berikut: obligations are as follow:
2021 2020
Pensiun 15,65 tahun/years 14,83 tahun/years Pension
34. MANAJEMEN RISIKO KEUANGAN 34. FINANCIAL RISK MANAGEMENT
Perusahaan dihadapkan pada risiko tingkat suku The Company is exposed to interest rate risk, credit
bunga, risiko kredit, risiko likuiditas, dan risiko risk, liquidity risk, and operational risk.
operasional.
Kerangka Manajemen Risiko Risk Management Framework
Perusahaan memiliki Komite Pemantau Risiko (Risk The Company has in place the Risk Oversight
Oversight Committee/ROC) yang membantu Dewan Committee (ROC) that assist the Board of
Komisaris dalam rangka pengawasan dan evaluasi Commissioners in effective and comprehensive
pelaksanaan proses manajemen risiko Perusahaan oversight and evaluation of the Company’s risk
secara efektif dan menyeluruh. Selain itu, management process. In addition, the Company has
Perusahaan juga telah membentuk Komite also established the Risk Management Committee
Manajemen Risiko (Risk Management (RMC) to assist the Board of Directors in
Committee/RMC) untuk membantu Direksi dalam implementing daily risk management in the
rangka penerapan manajemen risiko Perusahaan Company.
sehari-hari.
Perusahaan telah menerapkan prinsip three lines of The Company has implemented the three lines of
defense dalam pengendalian risiko secara defense principle in its risk control. As the first line,
menyeluruh dan handal. Unit Kerja Bisnis sebagai Business Unit has direct responsibility on risk
lini pertama memiliki tanggung jawab terkait management. The Risk Management Unit as the
pengelolaan risiko secara langsung. Sebagai lini second line ensures the adequacy of risk system,
kedua, Unit Kerja Manajemen Risiko yang procedures and methodology that are used. The
memastikan kecukupan adanya sistem dan Internal Audit Unit as the third line has a role as
prosedur serta metodologi risiko yang digunakan independent assurance.
serta Unit Kerja Audit Internal sebagai lini ketiga
berperan sebagai independent assurance.
Untuk mengakomodasi tren Perusahaan To accommodate the financing Company business

pembiayaan dan pertumbuhan bisnis, pedoman trend and growth, the Company has developed risk
manajemen risiko telah disusun dalam memastikan management guidelines in ensuring the
setiap aktivitas bisnis dikelola sesuai dengan prinsip management of business activities with prudential
kehati-hatian. Berikut adalah pilar kerangka kerja principle. The following is the Company’s risk
manajemen risiko Perusahaan: management framework pillars:
Pilar 1: Pengawasan Aktif Dewan Komisaris dan Pillar 1: Active Supervision by Boards of
Direksi Commissioners and Directors
Pengawasan aktif tersebut tercermin sejak Active supervision is reflected since annual business
perencanaan bisnis tahunan, yang mencakup: planning, which includes:
 Kewenangan dan tanggung jawab Dewan  Responsibility and authority of the Company’s
Komisaris & Direksi; Board of Commissioners and Board of
Directors;
 Komite Nominasi & Remunerasi;  Nomination Committee and Remuneration;
 Komite Pemantau Risiko (Risk Oversight  Risk Oversight Committee;
Committee);
 Komite Audit Internal.  Internal Audit Committee.
129
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34. MANAJEMEN RISIKO KEUANGAN (lanjutan) 34. FINANCIAL RISK MANAGEMENT (continued)
Kerangka Manajemen Risiko (lanjutan) Risk Management Framework (continued)
Pilar 2: Kebijakan, Prosedur, dan Penetapan Limit Pillar 2: Policy, Procedures, and Implementation of
Limits
Perusahaan mengambil langkah-langkah proaktif To address competition and business environment

dalam pengelolaan profil risiko sebagai akibat tingkat evolution, the Company takes proactive measures in
kompetisi dan perubahan lingkungan bisnis. managing risk profiles. The Company has formulated
Perusahaan telah merumuskan risk appetite, the risk appetite, policy and procedures, and
kebijakan dan prosedur, dan penetapan batasan determined maximum risk thresholds that can be
risiko maksimal yang dapat diambil. taken.
Pilar 3: Identifikasi, Pengukuran, Pemantauan, dan Pillar 3: Identification, Measurement, Monitoring,

Pengendalian Risiko and Risk Management
Perusahaan memastikan semua risiko yang terjadi The Company ensures that all risks can be
dapat teridentifikasi, terukur, terpantau, dan dapat identified, measured, monitored, and controlled at
dikendalikan sedini mungkin secara tepat dan baik the earliest in an accurate and proper manner, which
yang mencakup: includes:
 Reviu produk baru, credit test, RSCA, stress test;  Review new product, credit test, RSCA, stress
test;
 Credit scoring, liquidity gap, repricing mismatch,  Credit scoring, liquidity gap, repricing
ECL (PD,LGD,EAD); mismatch, ECL (PD,LGD,EAD);
 Sistem Informasi Manajemen dan Pelaporan  Management Information System and Risk
Manajemen Risiko, fraud monitoring activities; Management Reporting, fraud monitoring
activities;
 Aktivitas audit internal dan eksternal, mekanisme  Internal and external audit activities, whistle
whistle blowing, segregation of duty. blowing mechanism, segregation of duty.
Pilar 4: Kecukupan Sumber Daya dan Infrastruktur Pillar 4: Resources and Infrastructure Sufficiency
Keberhasilan fungsi dan tugas satuan kerja The success of risk management unit function and
manajemen risiko termasuk di dalamnya duties include the availability of infrastructure and
ketersediaan infrastruktur dan sumber daya manusia human resources (HR) with professional risk
(SDM) di bidang manajemen risiko yang profesional. management field. Excellent HR and good support
SDM yang unggul dan didukung infrastruktur yang of infrastructure become the benchmark of
baik menjadi tolak ukur keberhasilan proses successful risk management application process in
penerapan manajemen risiko Perusahaan. the Company.
Risiko tingkat suku bunga Interest rate risk
Risiko tingkat suku bunga adalah risiko bahwa nilai Interest rate risk is the risk that the fair value or
wajar atau arus kas masa datang atas instrumen future cash flows of a financial instrument will
keuangan akan berfluktuasi karena perubahan suku fluctuate because of changes in market interest
bunga pasar. Kebijakan Perusahaan mengatur agar rates. The Company’s policy is to manage its loans
suku bunga pinjaman dari bank dan obligasi (cost of or bonds’ interest rate (cost of fund) using fixed rate
fund) menggunakan suku bunga tetap (fixed rate) in order to match the fixed interest rate which are
agar dapat menyesuaikan dengan suku bunga tetap charged to consumers.
yang dikenakan kepada konsumen.
130
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Risiko tingkat suku bunga (lanjutan) Interest rate risk (continued)
Tabel di bawah ini menggambarkan rincian jatuh The following table represents a breakdown of
tempo aset dan liabilitas Perusahaan yang maturity dates of the Company’s assets and
dipengaruhi oleh tingkat suku bunga. liabilities which are affected by interest rate.
Bunga tetap/Fixed rate

Tidak
Bunga Kurang dari Lebih dari dikenakan
mengambang/ satu tahun/ 5 tahun/ bunga/Non
Floating Less than 1-5 tahun/ More than interest
rate one year 1-5 years 5 years bearing Total/Total
ASET ASSETS
Kas dan setara kas 438.762 - - - 9.990 448.752 Cash and cash equivalents
konsumen - neto - 2.447.058 1.604.309 - - 4.051.367 receivables - net
modal usaha - neto - 88.009 152.144 - - 240.153 receivables - net
Piutang sewa Finance lease
pembiayaan - neto - 51.281 72.838 - - 124.119 receivables - net
Piutang lain-lain - 116 737 832 22.521 24.206 Other receivables
Total aset 438.762 2.586.464 1.830.028 832 32.511 4.888.597 Total assets
Utang bank - 1.299.511 668.374 - - 1.967.885 Bank loans
Biaya yang masih Accrued expenses -
harus dibayar - bunga - 20.119 - - - 20.119 interest
Utang lain-lain - - 7.829 - 97.200 105.029 Other payables
Liabilitas sewa - - 1.368 49.610 - 50.978 Lease liabilities
Utang obligasi - neto - 918.002 401.926 - - 1.319.928 Bonds payable - net
Utang subordinasi - - 200.000 - - 200.000 Subordinated loan
Total liabilitas - 2.237.632 1.279.497 49.610 97.200 3.663.939 Total liabilities
Neto 438.762 348.832 550.531 (48.778) (64.689) 1.224.658 Net
Bunga tetap/Fixed rate

Tidak
Bunga Kurang dari Lebih dari dikenakan
mengambang/ satu tahun/ 5 tahun/ bunga/Non
Floating Less than 1-5 tahun/ More than interest
rate one year 1-5 years 5 years bearing Total/Total
ASET ASSETS
Kas dan setara kas 625.049 - - - 9.471 634.520 Cash and cash equivalents
konsumen - neto - 2.784.926 1.495.194 - - 4.280.120 receivables - net
modal usaha - neto - 6.389 8.681 - - 15.070 receivables - net
Piutang sewa Finance lease
pembiayaan - neto - 11.362 12.009 - - 23.371 receivables - net
Piutang lain-lain - 239 161 3.898 38.690 42.988 Other receivables
Total aset 625.049 2.802.916 1.516.045 3.898 48.161 4.996.069 Total assets
Utang bank - 1.290.036 453.375 - - 1.743.411 Bank loans
Biaya yang masih Accrued expenses -
harus dibayar - bunga - 20.988 - - - 20.988 interest
Utang lain-lain - - 9.719 - 90.502 100.221 Other payables
Liabilitas sewa - - 3.941 53.547 - 57.488 Lease liabilities
Utang obligasi - neto - 978.015 821.552 - - 1.799.567 Bonds payable - net
Utang subordinasi - - 200.000 - - 200.000 Subordinated loan
Total liabilitas - 2.289.039 1.488.587 53.547 90.502 3.921.675 Total liabilities
Neto 625.049 513.877 27.458 (49.649) (42.341) 1.074.394 Net
131
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Analisis sensitivitas Sensitivity analysis
Manajemen risiko suku bunga terhadap batas The management of interest rate risk against
kesenjangan suku bunga dilengkapi dengan interest rate gap limits is supplemented by
pemantauan sensitivitas aset dan liabilitas monitoring the sensitivity of the Company’s financial
keuangan Perusahaan terhadap berbagai skenario assets and liabilities to various standard and non-
suku bunga baku maupun non-baku. Skenario baku standard interest rate scenarios. Standard
bulanan mencakup analisis kenaikan atau scenarios that are considered on a monthly basis
penurunan kurva imbal hasil sebesar 0,5 poin include a 0.5 percentage point parallel fall or rise in
persentase. all yield curves.
Dalam menyusun analisis sensitivitas, Perusahaan In preparing a sensitivity analysis, the Company
menggunakan perubahan tingkat suku bunga uses changes in market interest rate of 0.5
pasar sebesar 0,5 poin persentase, dengan percentage points, with other variable considered
variable lain dianggap tetap terhadap pendapatan fixed on consumer financing income and financing
pembiayaan konsumen dan beban pendanaan. costs.
Tabel berikut menunjukkan sensitivitas atas The following tables demonstrates the sensitivity to
kemungkinan perubahan tingkat suku bunga a reasonably possible change in market interest
pasar, dengan variabel lain dianggap tetap, rates, with all other variables held constant, of the
terhadap pendapatan pembiayaan konsumen: consumer financing income:
2021 2020

dalam 0,5 poin persentase 19.197 11.272 in 0.5 percentage point
dalam 0,5 poin persentase (19.137) (11.229) in 0.5 percentage point
Tabel berikut menunjukkan sensitivitas atas The following table demonstrates the sensitivity to a
kemungkinan perubahan tingkat suku bunga reasonably possible change in market interest rates,
pasar, dengan variabel lain dianggap tetap, with all other variables held constant, of the
terhadap beban pendanaan: financing costs:

2021 2020

dalam 0,5 poin persentase 15.190 27.126 in 0.5 percentage point
dalam 0,5 poin persentase (15.185) (27.066) in 0.5 percentage point
Risiko kredit Credit risk
Risiko kredit adalah risiko jika pihak debitur tidak Credit risk is the risk that a counterparty will not meet
memenuhi kewajibannya dalam kontrak konsumen, its obligations under a customer contract, leading to
yang menyebabkan kerugian keuangan. a financial loss. The Company has maintained
Perusahaan melakukan analisis dan persetujuan prudent analysis and credit approval and also
kredit yang hati-hati, dan juga pengawasan monitored receivable balances continuously in order
terhadap saldo piutang pembiayaan konsumen to minimize the exposure to bad debts.
dilakukan secara berkesinambungan untuk
meminimalisasi piutang yang tidak dapat ditagih.
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Risiko kredit (lanjutan) Credit risk (continued)
 Eksposur maksimum terhadap risiko kredit  Maximum exposure to credit risk
Eksposur Perusahaan terhadap risiko kredit Company’s exposure to credit risk mainly
hampir seluruhnya berasal dari piutang comes from the consumer financing
pembiayaan konsumen, dimana eksposur receivables, of which the maximum exposure to
maksimum terhadap risiko kredit sama dengan credit risk equals to the carrying amount.
nilai tercatat.
 Jaminan dan perlindungan kredit lainnya  Collateral and other credit enhancements
Nilai dan jenis jaminan yang dibutuhkan The amount and type of collateral required
tergantung pada penilaian risiko kredit dari depends on an assessment of the credit risk of
counterparty. Panduan tentang jenis jaminan the counterparty. Guidelines are implemented
dan parameter penilaian yang bisa diterima regarding the acceptability of types of collateral
telah diimplementasikan. and valuation parameters.
Umumnya jaminan diperlukan dalam setiap Generally, collateral is required for all credits
pemberian kredit sebagai sumber terakhir extended as a second source of credit
pelunasan kredit (secondary source of repayment and also as a form of credit risk
repayment) dan sebagai salah satu bentuk mitigation. The primary source of credit
mitigasi risiko kredit. Sumber utama pelunasan repayment is the funds generated from
kredit adalah dari hasil usaha ataupun business operations or income of the
pendapatan debitur. borrowers.
Jaminan yang dapat diterima oleh Perusahaan Collaterals acceptable by the Company from
dari konsumen berupa Buku Pemilik Kendaraan debtor is the Certificate of Ownership (“BPKB”)
Bermotor (“BPKB”) atas kendaraan yang of the vehicles financed by the Company. The
dibiayai oleh Perusahaan. Perusahaan Company perform an internal assessement of
melakukan penilaian internal terhadap unit collateral unit during the credit initiation
jaminan pada saat proses inisiasi kredit. process.
Perusahaan menerapkan kebijakan minimum The Company applies minimum down payment
uang muka atas pembiayaan konsumen policy on consumer financing at minimum of
sebesar 10% atau nilai pinjaman atas 10% or loan to value asset at maximum of 90%.
pembiayaan maksimal sebesar 90%.
 Analisis konsentrasi risiko kredit  Concentration of credit risk analysis
Konsentrasi risiko kredit timbul ketika sejumlah Concentrations of credit risk arise when a
debitur bergerak dari aktivitas usaha yang sama number of customers are engaged in similar
atau aktivitas dalam wilayah geografis yang business activities or activities within the same
sama, atau ketika mereka memiliki karakteristik geographic region, or when they have similar
yang sejenis yang akan menyebabkan characteristics that would cause their ability to
kemampuan untuk memenuhi kewajiban meet contractual obligations to be similarly
kontraktualnya sama-sama dipengaruhi oleh affected by changes in economic or other
perubahan kondisi ekonomi atau yang lainnya. conditions.
Perusahaan bergerak di bidang usaha The Company is currently engaged in

pembiayaan konsumen yang pelanggannya consumer financing business which the
kebanyakan adalah individu dan tidak customers are mainly individuals and they are
terkonsentrasi pada wilayah geografis tertentu. not concentrated in the specific geographic
region.
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 Analisis dampak Covid-19  Covid-19 effects analysis
Perusahaan berpartisipasi dalam mendukung The Company participated in supporting

program Pemerintah Republik Indonesia dalam Republic of Indonesia Government’s program
melakukan program relaksasi kredit kepada to conduct credit relaxation to their customers
konsumen Perusahaan yang terdampak which affected by Covid-19 outbreak. The
pandemi Covid-19. Pemberian relaksasi kredit credit relaxation that conducted by the
yang dilakukan oleh Perusahaan meliputi Company consist of tenor extension, delay of
perpanjangan tenor, penundaan pokok, dan principal and change due date (CDD).
change due date (CDD).
Perusahaan melakukan revisi atas rencana The Company made revision of credit
penyaluran kredit konsumen yang disebabkan distribution plan to customers which affected
oleh dampak dari pandemi Covid-19 dan by Covid-19 outbreak and more selective in
Perusahaan lebih selektif dalam proses inisiasi initiation process of new customers which
konsumen yang baru dengan berfokus pada focused on Repeat Order (RO) contract with
kontrak Repeat Order (RO) dengan rating rating Excellent, Good, and Normal.
Excellent, Good, dan Normal.
Perusahaan memberikan fasilitas pembiayaan The Company provided financing facility to the
dengan profil konsumen yang memiliki profesi customers with low risk profile and not
atau usaha yang berisiko rendah dan tidak impacted significantly by Covid-19 outbreak.
terdampak signifikan oleh pandemi Covid-19.
Tabel berikut menggambarkan jumlah risiko kredit The following table sets out the total credit risk and
dan konsentrasi risiko berdasarkan tipe pihak lawan risk concentration based on type of counterparty of
atas kas dan setara kas, piutang pembiayaan cash and cash equivalents, consumer financing
konsumen, piutang sewa pembiayaan, dan piutang receivables, finance lease receivables, and other
lain-lain, yang dimiliki Perusahaan: receivables of the Company:
2021 2020
Kas di bank dan setara kas Cash in bank and cash equivalents
Bank 438.762 625.049 Cash in banks
Piutang pembiayaan konsumen - neto Consumer financing receivables - net

Korporasi 3.265 12.001 Corporate
Individual 4.048.102 4.268.119 Individual
Subtotal 4.051.367 4.280.120 Subtotal
Piutang pembiayaan modal usaha - neto Capital financing receivables - net

Individual 240.153 15.070 Individual
Piutang sewa pembiayaan - neto Finance lease receivables - net

Korporasi 121.137 - Corporate

Korporasi 19.479 36.137 Corporate
Total 4.878.607 4.986.598 Total
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Dalam menentukan cadangan kerugian penurunan In determining the allowance for impairment losses
nilai atas aset keuangan, Perusahaan on financial assets, the Company considers the
mempertimbangkan faktor hari tunggakan, yaitu factor of day past due, which is financial assets
aset keuangan yang dikategorikan kurang lancar categorized as substandard (having a late payment
(memiliki keterlambatan pembayaran pokok of principal and/or interest that has exceeded 90
dan/atau bunga yang telah melampaui 90 (sembilan (ninety) calendar days).
puluh) hari kalender).
Pada tanggal 31 Desember 2021 dan 2020 As of 31 December 2021 and 2020, credit risk
eksposur risiko kredit atas aset keuangan terbagi exposure of financial assets is divided into:
atas:
Belum jatuh Jatuh tempo

tempo dan dan tidak
tidak mengalami mengalami
penurunan nilai/ penurunan nilai/ Mengalami
Neither past Past due but penurunan nilai/
due nor impaired not impaired Impaired Total/Total
ASET KEUANGAN FINANCIAL ASSETS

Cash and cash
Kas dan setara kas - bank 438.762 - - 438.762 equivalents - cash in banks
konsumen - neto 3.525.311 496.644 29.412 4.051.367 receivables - net
modal usaha - neto 236.034 3.979 140 240.153 receivables - net
Finance lease
Piutang sewa pembiayaan - neto 120.070 3.641 408 124.119 receivables - net
Piutang lain-lain 24.206 - - 24.206 Other receivables
Total 4.344.383 504.264 29.960 4.878.607 Total
Belum jatuh Jatuh tempo

tempo dan dan tidak
tidak mengalami mengalami
penurunan nilai/ penurunan nilai/ Mengalami
Neither past Past due but penurunan nilai/
due nor impaired not impaired Impaired Total/Total

Cash and cash
Kas dan setara kas - bank 625.049 - - 625.049 equivalents - cash in banks
konsumen - neto 3.324.918 900.223 54.979 4.280.120 receivables - net
modal usaha - neto 15.070 - - 15.070 receivables - net
Finance lease
Piutang sewa pembiayaan - neto 23.280 91 - 23.371 receivables - net
Piutang lain-lain 42.988 - - 42.988 Other receivables
Total 4.031.305 900.314 54.979 4.986.598 Total
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Tabel berikut menunjukkan aging analysis terhadap The following tables summarizes the aging
piutang pembiayaan konsumen, piutang modal analysis of consumer financing receivables,capital
usaha dan piutang sewa pembiayaan yang telah financing receivables, and finance lease
jatuh tempo tetapi tidak mengalami penurunan nilai. receivables which are past due but not impaired.
1-30 hari/days 31-60 hari/days 61-90 hari/days Total/Total

konsumen - neto 387.507 73.828 35.309 496.644 receivables - net
modal usaha - neto 2.838 412 729 3.979 receivables - net
Finance lease
Piutang sewa pembiayaan - neto 3.141 500 - 3.641 receivables - net
Total 393.486 74.740 36.038 504.264 Total
1-30 hari/days 31-60 hari/days 61-90 hari/days Total/Total

konsumen - neto 716.622 133.837 49.764 900.223 receivables - net
Finance lease
Piutang sewa pembiayaan - neto 91 - - 91 receivables - net
Total 716.713 133.837 49.764 900.314 Total
Pengukuran kerugian kredit ekspektasian Measurement of expected credit losses
Perusahaan telah menerapkan klasifikasi The Company has implemented classification of

penurunan nilai berdasarkan ketentuan PSAK 71 impairment based on PSAK 71 since January
sejak Januari 2020. Klasifikasi penurunan nilai terdiri 2020. Impairment classification consist of 3 (three)
dari 3 (tiga) stage: stage 1 atau performing loan yaitu stage: stage 1 or performing loan or nonimpaired
kredit yang tidak mengalami penurunan nilai, stage loan, stage 2 or under performing loan or non-
2 atau under performing loan yaitu kredit belum impaired loan bit have significant increase in credit
mengalami penurunan nilai namun mengalami risk since the originated, and stage 3 or non-
peningkatan risiko kredit secara signifikan sejak performing or impaired loan. Classification for
pengakuan awal, dan stage 3 atau non-performing credit is emphasizing more on the timeliness of
atau kredit telah mengalami penurunan nilai. payment.
Klasifikasi untuk kredit lebih menekankan pada
ketepatan pembayaran.
Perusahaan melakukan pengukuran Expected The Company specifically requires to

Credit Loss (ECL) tidak hanya menggunakan measurement of Expected Credit Loss (ECL) using
informasi masa lalu dan saat ini, tetapi juga not only past and current information, but also
termasuk informasi prakiraan (forward looking). including forecast information. The model is
Model dibangun untuk setiap portofolio dengan developed for each portfolio by modelling quarterly
memodelkan Observed Default Rate (ODR) pada portfolio-level Observed Default Rate (ODR) with a
tingkat portofolio dengan berbagai variabel makro range of quarterly macroeconomic variables base
ekonomi dengan metode statistik regresi berganda. on statistical method with multiple logistic of
Oleh karena itu perhitungan ECL diharapkan regression. The ECL calculations are therefore
memasukkan penyesuaian berwawasan kedepan expected to include Forward-looking Adjustment
(Forward-looking Adjustment/FLA) yang konsisten (“FLA”) accounting for the expected future
dengan kondisi makro ekonomi. macroeconomic conditions.
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Pengukuran kerugian kredit ekspektasian Measurement of expected credit losses

Estimasi perubahan ECL harus mencerminkan, dan Estimates of changes in ECL should reflect, and be
secara konsisten dengan perubahan dalam data directionally consistent with, changes in related
observasi terkait dari periode ke periode (seperti observable data from period to period (such as
perubahan tingkat pengangguran yang merupakan changes in unemployment rates that are indicative
indikasi kerugian kredit atas instrumen keuangan of credit losses on the financial instrument or in the
atau kelompok instrumen keuangan dan besarnya group of financial instruments and in the magnitude
perubahan tersebut). of those changes).
Risiko likuiditas Liquidity risk
Risiko likuiditas adalah risiko atas kekurangan dana Liquidity risk is the risk to a shortage of funds and
dan untuk memitigasinya, Perusahaan telah to mitigate the risk, the Company has applied
menggunakan perangkat rencana likuiditas. liquidity planning tool. This tool considers the
Perangkat ini mempertimbangkan jatuh tempo untuk maturity of both its financial assets, which is
aset keuangan yaitu piutang pembiayaan konsumen consumer financing receivables and prepare
dan membuat rencana arus kas dari operasi. projected cash flows from operations. The
Perusahaan mempunyai jangka waktu pinjaman dari Company has term bank loan facilities which are
bank yang disesuaikan dengan jangka waktu (tenor) adjusted with the tenor of financing given to
pembiayaan yang diberikan kepada konsumen. consumers.
Tabel di bawah ini menggambarkan profil jatuh The tables below summarizes the maturity profile
tempo atas aset dan liabilitas keuangan Perusahaan of the Company’s financial assets and liabilities as
masing-masing pada tanggal-tanggal 31 Desember of December 31, 2021 and 2020, respectively,
2021 dan 2020 berdasarkan sisa jatuh tempo based on contractual remaining maturity
kontraktual (tidak didiskontokan): (undiscounted):

Kurang dari Lebih dari Lebih dari
3 bulan/ 1-5 tahun/ 5 tahun/
Less than 3-12 bulan/ More than More than Total/
3 months 3-12 months 1-5 years 5 years Total
ASET ASSETS
Kas dan setara kas 448.752 - - - 448.752 Cash and cash equivalents
konsumen 1.066.513 2.332.928 1.983.803 - 5.383.244 receivables
Piutang pembiayaan
modal usaha 34.614 103.346 192.138 - 330.098 Capital financing receivables
Piutang sewa pembiayaan 19.244 56.199 90.329 - 165.772 Finance lease receivables
Piutang lain-lain 22.548 155 898 861 24.462 Other receivables
Total aset keuangan 1.591.671 2.492.628 2.267.168 861 6.352.328 Total financial assets
Utang bank 686.790 696.615 699.237 - 2.082.642 Bank loans
Utang lain-lain 105.784 2.306 4.601 349 113.040 Other payables
Liabilitas sewa 2.743 8.958 42.251 12.867 66.819 Lease liabilities
Utang obligasi 27.557 968.545 440.433 - 1.436.535 Bonds payable
Utang subordinasi 6.133 18.200 248.733 - 273.066 Subordinated loan
Total liabilitas keuangan 829.007 1.694.624 1.435.255 13.216 3.972.102 Total financial liabilities
Perbedaan jatuh tempo 762.664 798.004 831.913 (12.355) 2.380.226 Maturity gap
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Risiko likuiditas (lanjutan) Liquidity risk (continued)
Tabel di bawah ini menggambarkan profil jatuh The tables below summarizes the maturity profile
tempo atas aset dan liabilitas keuangan Perusahaan of the Company’s financial assets and liabilities as
masing-masing pada tanggal-tanggal 31 Desember of December 31, 2021 and 2020, respectively,
2021 dan 2020 berdasarkan sisa jatuh tempo based on contractual remaining maturity
kontraktual (tidak didiskontokan): (lanjutan) (undiscounted): (continued)

Kurang dari Lebih dari Lebih dari
3 bulan/ 1-5 tahun/ 5 tahun/
Less than 3-12 bulan/ More than More than Total/
3 months 3-12 months 1-5 years 5 years Total
ASET ASSETS
Kas dan setara kas 634.520 - - - 634.520 Cash and cash equivalents
konsumen 1.246.841 2.471.629 1.788.365 - 5.506.835 receivables
Piutang pembiayaan
modal usaha 2.355 7.040 10.803 - 20.198 Capital financing receivables
Piutang sewa pembiayaan 3.793 11.582 15.184 - 30.559 Finance lease receivables
Piutang lain-lain 38.745 377 729 4.168 44.019 Other receivables
Total aset keuangan 1.926.254 2.490.628 1.815.081 4.168 6.236.131 Total financial assets
Utang bank 477.440 908.664 482.647 - 1.868.751 Bank loans
Utang lain-lain 101.485 3.310 6.547 349 111.691 Other payables
Liabilitas sewa 2.647 8.323 40.302 23.161 74.433 Lease liabilities
Utang obligasi 40.913 1.074.069 885.501 - 2.000.483 Bonds payable
Utang subordinasi 6.133 18.200 273.067 - 297.400 Subordinated loan
Total liabilitas keuangan 628.618 2.012.566 1.688.064 23.510 4.352.758 Total financial liabilities
Perbedaan jatuh tempo 1.297.636 478.062 127.017 (19.342) 1.883.373 Maturity gap
Risiko operasional Operational risk
Risiko operasional merupakan risiko-risiko yang The operational risk is risks resulted from
disebabkan oleh ketidakcukupan dan/atau tidak inadequacy and/or disfunction of internal process,
berfungsinya proses internal, kesalahan manusia, human errors, system failures or external issues
kegagalan sistem atau problem eksternal yang bisa that may impact the Company’s operations. In
mempengaruhi operasional Perusahan. Risiko general the operational risk can both directly and
operasional umumnya dapat menimbulkan kerugian indirectly render the financial losses, as well as
keuangan, baik secara langsung maupun tidak potential loss on failing in taking the opportunity of
langsung, serta kerugian potensial atas hilangnya generating profitability. The operational risk can be
kesempatan untuk memperoleh keuntungan. Risiko embedded at the Company’s functional activities
operasional dapat melekat pada aktivitas fungsional such as lending, information system technology
Perusahaan seperti perkreditan (penyediaan dana), and management information system, as well as
teknologi sistem informasi dan sistem informasi human resources management.
manajemen, serta pengelolaan sumber daya
manusia.
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Risiko operasional (lanjutan) Operational risk (continued)
Upaya meningkatkan kebutuhan manajemen risiko The effort to enhance effective operational risk
operasional yang efektif didorong oleh beberapa management is encouraged by the following
faktor sebagai berikut: factors:
 Kerugian operasional signifikan yang dialami  Significant operational losses experienced by
oleh industri Perusahaan Pembiayaan; Financing Companies industry;
 Regulasi yang baru dan praktik terbaik dalam  New regulations and best practices in
Perusahaan Pembiayaan di Indonesia; Financing Companies in Indonesia;
 Perubahan yang relatif cepat dalam dunia  Relatively fast evolution in business
bisnis; environment;
 Tumbuhnya kebutuhan akan pengukuran  Increase needs of performance measurement;
kinerja;  Shareholders’ value protection and
 Perlindungan dan pengembangan terhadap nilai development.
pemegang saham.
Dalam memberikan respon yang tepat terhadap In accurately responding the above factors, as well
faktor-faktor di atas, juga atas visi Perusahaan untuk as the Company’s vision to maintain a balance risk
tetap menjaga risiko agar tetap seimbang dengan with business growth, the Company realizes its
pertumbuhan bisnis, Perusahaan menyadari needs to enhance the awareness of operational risk
kebutuhannya untuk meningkatkan kesadaran akan as well as the need to establish the operational risk
risiko operasional, serta kebutuhan untuk management adequate framework, policy and
membentuk kerangka kerja manajemen risiko procedures, which shall be consistenly applied in
operasional, kebijakan, dan prosedur yang memadai the Company.
serta konsisten diterapkan di Perusahaan.
Pengelolaan modal Capital management
Tujuan utama pengelolaan modal Perusahaan The primary objective of the Company’s capital
adalah untuk memastikan terpeliharanya rasio management is to ensure that healthy capital ratios
modal yang sehat untuk mendukung usaha dan are maintained in order to support its business and
memaksimalkan imbalan bagi pemegang saham. maximize shareholders value.
Perusahaan dipersyaratkan oleh Undang-undang The Company is also required by the Limited
Perseroan Terbatas No. 40 Tahun 2007 untuk Liability Company Law No. 40, Year 2007 to
menyisihkan dan mempertahankan suatu dana contribute and maintain a non-distributable reserve
cadangan yang tidak boleh didistribusikan sampai fund until the said reserve reaches 20.00% of the
dana cadangan tersebut mencapai 20,00% dari issued and fully paid share capital. The Company
modal saham diterbitkan dan dibayar penuh. will continue to build this reserve until such time the
Perusahaan akan terus menambah cadangan ini amount reaches the level required by Law.
sampai cadangan tersebut mencapai jumlah yang
diatur oleh Undang-Undang.
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Pengelolaan modal (lanjutan) Capital management (continued)
Perusahaan mengelola struktur permodalan dan The Company manages its capital structure and
melakukan penyesuaian, berdasarkan perubahan makes adjustments to it, in light of changes in
kondisi ekonomi. Untuk memelihara dan economic conditions. To maintain or adjust the
menyesuaikan struktur permodalan, Perusahaan capital structure, the Company may adjust the
dapat menyesuaikan pembayaran dividen kepada dividend payment to shareholders, issue new
pemegang saham, menerbitkan saham baru atau shares or raise debt financing. No changes were
mengusahakan pendanaan melalui pinjaman. Tidak made in the objectives, policies or processes during
ada perubahan atas tujuan, kebijakan maupun the period/year presented.
proses selama periode/tahun penyajian.
Dalam mengelola permodalan, Perusahaan In managing capital, the Company pays attention to
memperhatikan ketentuan Peraturan Otoritas Jasa the enacments of Otoritas Jasa Keuangan
Keuangan No. 35/POJK.05/2018 tentang Regulation No. 35/POJK.05/2018 regarding
Penyelenggaraan Usaha Perusahaan Pembiayaan Business Operation of Multifinance Company which
yang diantaranya mengatur ketentuan sebagai have some provisions as follows:
berikut:
 Ekuitas Perusahaan minimum sebesar  The Company’s equity minimum of Rp100,000;

Rp100.000;  The Company’s equity ratio amounting to
 Rasio ekuitas Perusahaan terhadap modal minimum 50.00% of paid-up capital;
disetor paling rendah sebesar 50,00%;  The Company’s capital ratio of minimum 10%;
 Rasio permodalan Perusahaan mínimum
sebesar 10%;  The amount of the Company’s loan to equity
 Jumlah pinjaman yang dimiliki Perusahaan and subordinated loan deducted by investment
dibandingkan modal sendiri dan utang (gearing ratio) is the minimum of 0 (zero) and
subordinasi dikurangi penyertaan (gearing the maximum of 10 times, both for off-shore
ratio) ditetapkan serendah-rendahnya 0 (nol) and on-shore domestic loans.
dan setinggi-tingginya 10 kali, baik untuk
pinjaman luar negeri maupun dalam negeri.
Gearing ratio pada tanggal 31 Desember 2021 dan Gearing ratio as of December 31, 2021 and 2020,
2020 yang dihitung berdasarkan Peraturan Otoritas calculated based on the Financial Services Authority
Jasa Keuangan (POJK) No. 35/POJK.05/2018 Regulation (POJK) No. 35/POJK.05/2018 regarding
tentang Penyelenggaraan Usaha Perusahaan Business Operation of Multifinance Company are as
Pembiayaan adalah sebagai berikut: follows:
2021 2020
Pinjaman: Borrowing:
Utang obligasi 1.319.928 1.799.567 Bonds payable
Utang bank 1.967.885 1.743.411 Bank loans
Utang subordinasi 200.000 200.000 Subordinated loan
Total pinjaman 3.487.813 3.742.978 Total borrowing
Ekuitas 1.333.647 1.213.345 Equity

Utang subordinasi 174.074 174.074 Subordinated loan
Total ekuitas dan

utang subordinasi 1.507.721 1.387.419 Total equity and subordinated loan
Gearing ratio 2,31 2,70 Gearing ratio
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Informasi lainnya Other Information
Sesuai dengan POJK tersebut di atas, gearing ratio In accordance with the above mentioned POJK, the
yang diperbolehkan serendah-rendahnya 0 (nol) minimum gearing ratio allowable is 0 (zero) and
dan setinggi-tingginya adalah 10 (sepuluh) kali. maximum gearing ratio allowable is 10 (ten) times.
Dengan demikian Perusahaan telah mematuhi Hence, the Company has complied with the POJK.
POJK.
Berdasarkan POJK No. 35/POJK.05/2018 tentang Based on POJK No. 35/POJK.05/2018 regarding
Penyelenggaraan Usaha Perusahaan Pembiayaan, Business Operation of Multifinance Company, as of
pada tanggal 31 Desember 2021 dan 2020 December 31, 2021 and 2020 the Company has
Perusahaan telah menghitung beberapa rasio calculated ratio based on the regulation, among
sesuai dengan peraturan tersebut, antara lain: (tidak others: (unaudited)
diaudit)
2021 2020
Rasio piutang pembiayaan

terhadap total aset 85,72% 81,73% Financing to asset ratio
Rasio saldo piutang pembiayaan
terhadap pinjaman 126,60% 115,38% Financing receivables to borrowings ratio
Rasio saldo piutang pembiayaan
investasi dan pembiayaan modal usaha Investment financing and capital financing to
terhadap total saldo piutang pembiayaan 8,14% 0,87% total financing receivables ratio
Rasio Non Performing Financing - neto 0,59% 1,23% Non Performing Financing ratio - net
Rasio Non Performing Financing - bruto 1,42% 2,70% Non Performing Financing ratio - gross
Rasio permodalan 39,38% 37,17% Capital ratio
Modal sendiri modal disetor 383,07% 348,51% Equity to fully paid capital ratio
Gearing ratio 2,31 2,70 Gearing ratio
35. KELOMPOK INSTRUMEN KEUANGAN 35. FINANCIAL INSTRUMENTS BY CATEGORY
Tabel di bawah ini menyajikan perbandingan atas The tables below present a comparison by class of
nilai tercatat dengan nilai wajar dari instrumen the carrying amounts and fair value of the
keuangan Perusahaan yang tercatat dalam laporan Company’s financial instrument that are carried in
keuangan. the financial statements.
Aset Liabilitas
keuangan keuangan
diukur pada diukur pada
biaya biaya
perolehan perolehan
diamortisasi/ diamortisasi/
Financial Financial
assets liabilities
measured at measured at Nilai tercatat/
amortized amortized Carrying Nilai wajar/
cost cost value Fair value
Kas dan setara kas - Cash and cash equivalents -
bank 438.762 - 438.762 438.762 cash in banks
konsumen - neto 4.051.367 - 4.051.367 3.963.459 receivables - net
modal usaha - neto 240.153 - 240.153 240.233 receivables - net
Finance lease
Piutang sewa pembiayaan - neto 124.119 - 124.119 121.955 receivables - net
Piutang lain-lain 24.206 - 24.206 24.206 Other receivables
Total aset keuangan 4.878.607 - 4.878.607 4.788.615 Total financial assets
141
.01 .02 .03 .04


35. KELOMPOK INSTRUMEN KEUANGAN (lanjutan) 35. FINANCIAL INSTRUMENTS BY CATEGORY

(continued)
Tabel di bawah ini menyajikan perbandingan atas The tables below present a comparison by class of
nilai tercatat dengan nilai wajar dari instrumen the carrying amounts and fair value of the
keuangan Perusahaan yang tercatat dalam laporan Company’s financial instrument that are carried in
keuangan. (lanjutan) the financial statements. (continued)
Aset Liabilitas
keuangan keuangan
biaya biaya
perolehan perolehan
Financial Financial
assets liabilities
LIABILITAS KEUANGAN FINANCIAL LIABILITIES

Utang bank - 1.967.885 1.967.885 1.976.817 Bank loans
Biaya yang masih harus dibayar -
bunga - 20.119 20.119 20.119 Accrued expenses - interest
Utang lain-lain - 105.029 105.029 105.029 Other payables
Liabilitas sewa - 50.978 50.978 50.978 Lease liabilities
Utang obligasi - neto - 1.319.928 1.319.928 1.351.021 Bonds payable - net
Utang subordinasi - 200.000 200.000 202.275 Subordinated loan
Total liabilitas keuangan - 3.663.939 3.663.939 3.706.239 Total financial liabilities
Aset Liabilitas
keuangan keuangan
biaya biaya
perolehan perolehan
Financial Financial
assets liabilities
Kas dan setara kas - Cash and cash equivalents -
bank 625.049 - 625.049 625.049 cash in banks
konsumen - neto 4.280.120 - 4.280.120 4.113.915 receivables - net
modal usaha - neto 15.070 - 15.070 15.111 receivables - net
Finance lease
Piutang sewa pembiayaan - neto 23.371 - 23.371 23.202 receivables - net
Piutang lain-lain 42.988 - 42.988 42.988 Other receivables
Total aset keuangan 4.986.598 - 4.986.598 4.820.265 Total financial assets

Utang bank - 1.743.411 1.743.411 1.748.980 Bank loans
Biaya yang masih harus dibayar -
bunga - 20.988 20.988 20.988 Accrued expenses - interest
Utang lain-lain - 100.221 100.221 100.221 Other payables
Liabilitas sewa - 57.488 57.488 57.488 Lease liabilities
Utang obligasi - neto - 1.799.567 1.799.567 1.851.048 Bonds payable - net
Utang subordinasi - 200.000 200.000 201.010 Subordinated loan
Total liabilitas keuangan - 3.921.675 3.921.675 3.979.735 Total financial liabilities
142
.05 .06 .07



(continued)
Berikut metode dan asumsi yang digunakan untuk The following methods and assumptions are used
estimasi nilai wajar: to estimate the fair value:
Nilai wajar kas dan setara kas, uang muka dealer, Fair value of cash and cash equivalents, dealer
dan biaya bunga masih harus dibayar mendekati advances, and accrued interest expenses
nilai tercatat karena jangka waktu jatuh tempo yang approximate their carrying amounts largely due to
singkat atas instrumen keuangan tersebut. short-term maturities of these instruments.
Nilai wajar dari piutang pembiayaan konsumen, The fair value of consumer financing receivables,
piutang pembiayaan modal usaha, piutang sewa capital financing receivables, finance lease
pembiayaan, piutang lain-lain - pinjaman karyawan, receivables, other receivables - loan to
utang bank, utang lain-lain, dan utang subordinasi employees, bank loans, other payables, and
ditentukan menggunakan diskonto arus kas subordinated loan are determined by discounted
berdasarkan tingkat suku bunga pasar pada tanggal cash flow using market interest rate as of
31 Desember 2021 dan 2020. December 31, 2021 and 2020.
Nilai wajar dari utang obligasi dinilai berdasarkan The fair value of bonds payable are calculated
harga pasar. using market price.
Hirarki nilai wajar instrumen keuangan Fair value hierarchy of financial instruments
Perusahaan menggunakan hirarki berikut untuk The Company adopts the following hierarchy for
menentukan dan mengungkapkan nilai wajar dari determining and disclosing the fair value of
instrumen keuangan: financial instruments by valuation technique:
1. Tingkat 1: dikutip (tidak dapat disesuaikan) dari 1. Level 1: quoted (unadjusted) prices in active
harga pasar aktif untuk aset dan liabilitas markets for identical assets or liabilities;
keuangan yang identik;
2. Tingkat 2: teknik lain dimana semua input yang 2. Level 2: other techniques for which all inputs
memiliki efek signifikan dalam pencatatan nilai which have a significant effect on the recorded
wajar, dapat diobservasi baik secara langsung fair value are observable, either directly or
maupun tidak langsung; dan indirectly; and
3. Tingkat 3: teknik lain dimana menggunakan 3. Level 3: other techniques which use inputs
input yang memiliki efek signifikan dalam which have significant effect on the recorded
pencatatan nilai wajar, tidak berdasarkan pada fair value that are not based on observable
data yang diobservasi di pasar. market data.
Tabel di bawah ini menyajikan instrumen keuangan The table below shows the financial instruments
yang diakui pada nilai wajar berdasarkan hirarki recognized at fair value based on the hierarchy
yang digunakan Perusahaan untuk menentukan dan used by the Company in determining and
mengungkapkan nilai wajar dari instrumen disclosing the fair value of financial instruments:
keuangan:
Total nilai Nilai wajar/Fair value
tercatat/
Total carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Total/
amount Level 1 Level 2 Level 3 Total
konsumen - neto 4.051.367 - - 3.963.459 3.963.459 receivables - net
modal usaha - neto 240.153 - - 240.233 240.233 receivables - net
Piutang sewa pembiayaan - Finance lease
neto 124.119 - - 121.955 121.955 receivables - net
Total aset keuangan 4.415.639 - - 4.325.647 4.325.647 Total financial assets
143
.01 .02 .03 .04



(continued)
Tabel di bawah ini menyajikan instrumen keuangan The table below shows the financial instruments
yang diakui pada nilai wajar berdasarkan hirarki recognized at fair value based on the hierarchy
yang digunakan Perusahaan untuk menentukan dan used by the Company in determining and
mengungkapkan nilai wajar dari instrumen disclosing the fair value of financial instruments:
keuangan: (lanjutan) (continued)
tercatat/

Utang bank 1.967.885 - 1.976.817 - 1.976.817 Bank loans
Utang obligasi - neto 1.319.928 - 1.351.021 - 1.351.021 Bonds payable - net
Utang subordinasi 200.000 - 202.275 - 202.275 Subordinated loan
Total liabilitas keuangan 3.487.813 - 3.530.113 - 3.530.113 Total financial liabilities

tercatat/
konsumen - neto 4.280.120 - - 4.113.915 4.113.915 receivables - net
modal usaha - neto 15.070 - - 15.111 15.111 receivables - net
Piutang sewa pembiayaan - Finance lease
neto 23.371 - - 23.202 23.202 receivables - net
Total aset keuangan 4.318.561 - - 4.152.228 4.152.228 Total financial assets

Utang bank 1.743.411 - 1.748.980 - 1.748.980 Bank loans
Utang obligasi - neto 1.799.567 - 1.851.048 - 1.851.048 Bonds payable - net
Utang subordinasi 200.000 - 201.010 - 201.010 Subordinated loan
Total liabilitas keuangan 3.742.978 - 3.801.038 - 3.801.038 Total financial liabilities
36. LIABILITAS KONTINJENSI 36. CONTINGENT LIABILITY
Perusahaan tidak memiliki liabilitas kontinjensi The Company did not have any significant
yang signifikan pada tanggal 31 Desember 2021 contingent liability as of December 31, 2021 and
dan 2020. 2020.
37. KOMITMEN 37. COMMITMENTS
Perusahaan memiliki komitmen yang signifikan The Company has significant commitment is as of
pada tanggal 31 Desember 2021 sebagai berikut: December 31, 2021 as follow:
Pada tanggal 15 Maret 2018, Perusahaan On March 15, 2018, the Company entered into a
menandatangani perjanjian sewa ruangan non-cancellable office space lease agreement for a
perkantoran tidak dapat dibatalkan untuk jangka period of 10 (ten) years up to March 31, 2028,
waktu 10 (sepuluh) tahun sampai dengan 31 Maret covering office space approximately 4,636.90
2028, yang mencakup ruang kantor seluas 4.636,90 square meters in Altira Office Tower, Jakarta.
meter persegi di Altira Office Tower, Jakarta.
144
.05 .06 .07


37. KOMITMEN (lanjutan) 37. COMMITMENTS (continued)
Tarif sewa yang dibayarkan dalam 3 bulanan, tidak The rent rates with quarterly payment term,
termasuk Pajak Pertambahan Nilai, untuk perjanjian excluding Value Added Tax, for the lease
sewa adalah sebagai berikut (dalam nilai penuh): agreements are as follows (in full amounts):
- Tahun 1-5: Rp150.000 per meter persegi per - Year 1-5 : Rp150,000 per square meter per
bulan. month.
- Tahun 6-10: Rp185.000 per meter persegi per - Year 6-10 : Rp185,000 per square meter per
bulan. month.
38. INFORMASI KEUANGAN TAMBAHAN - 38. SUPPLEMENTARY FINANCIAL INFORMATION -

UNIT SYARIAH SHARIA UNIT
2021 2020
PIUTANG PEMBIAYAAN MURABAHAH FINANCING

MURABAHAH RECEIVABLES
Piutang pembiayaan murabahah - Murabahah financing receivables -
bruto 15.282 175.685 gross
Pendapatan pembiayaan Unearned murabahah financing
murabahah yang belum diakui (999) (17.376) income
Cadangan kerugian
penurunan nilai (896) (9.097) Allowance for impairment losses
Piutang pembiayaan Murabahah financing

murabahah - neto 13.387 149.212 receivables - net
39. TAMBAHAN INFORMASI ARUS KAS 39. SUPPLEMENTARY CASH FLOW INFORMATION
Perubahan pada liabilitas yang timbul dari aktivitas Changes in liabilities arising from financing activities
pendanaan pada laporan arus kas adalah sebagai in the cash flow statement are as follows:
berikut:
Perubahan
1 Januari/ Arus kas/ non-kas/Non- 31 Desember/
January 1, 2021 Cash flow cash changes December 31, 2021
Utang bank 1.743.411 225.401 (927) 1.967.885 Bank loans

Utang obligasi - neto 1.799.567 (479.500) (139) 1.319.928 Bonds payable - net
Utang subordinasi 200.000 - - 200.000 Subordinated loan
Liabilitas sewa 57.488 (14.156) 7.646 50.978 Lease liabilities
Total 3.800.466 (268.255) 6.580 3.538.791 Total
Perubahan
1 Januari/ Arus kas/ non-kas/Non- 31 Desember/
January 1, 2020 Cash flow cash changes December 31, 2020
Utang bank 3.622.876 (1.882.544) 3.079 1.743.411 Bank loans

Utang obligasi - neto 2.651.540 (852.700) 727 1.799.567 Bonds payable - net
Utang subordinasi 200.000 - - 200.000 Subordinated loan
Liabilitas sewa 58.407 (11.550) 10.631 57.488 Lease liabilities
Total 6.532.823 (2.746.794) 14.437 3.800.466 Total
145
.01 .02 .03 .04


40. SEGMEN OPERASI 40. OPERATING SEGMENT
Segmen operasi dilaporkan sesuai dengan laporan Operating segments are reported in accordance
internal Perusahaan yang disiapkan untuk with the internal reporting provided to the chief
mengambil keputusan operasional yang operating decision maker which is responsible for
bertanggung jawab untuk mengalokasikan sumber allocating resources to certain segments and
daya ke segmen tertentu dan penilaian atas performance assessments.
performanya.
Perusahaan melakukan kegiatan pembiayaan The Company has consumer financing activities in
konsumen di beberapa wilayah di Indonesia several geographical areas in Indonesia (Jakarta,
(Jakarta, Bogor, Depok, dan Bekasi - disingkat Bogor, Depok, and Bekasi - abbreviated Jabodebek,
Jabodebek, Banten, Jawa Timur, Bali, Kalimantan Banten, East Java, Bali, Kalimantan and Sulawesi,
dan Sulawesi, Jawa Tengah, Jawa Barat, dan Central Java, West Java, and Sumatera), for new
Sumatera), baik untuk kendaraan bermotor roda dua and used two-wheeled motor vehicles. Therefore,
baru dan bekas. Untuk itu, informasi segmen geographical operating segment is presented as the
operasi disajikan sebagai bentuk primer pelaporan primary basis of segment reporting.
segmen.
Segmen operasi menurut daerah geografis The operating segment based on marketing
pemasaran adalah sebagai berikut: geographical are as are as follows:
146

40. SEGMEN OPERASI (lanjutan) 40. OPERATING SEGMENT (continued)
Segmen operasi menurut daerah geografis pemasaran adalah sebagai berikut: The operating segment based on marketing geographical are as are as follows:
.05
Year ended December 31, 2021
Jawa Timur, Bali,

Jabodebek, Kalimantan, dan Dikurangi Hak
Banten/ Sulawesi/East Java, Bank-bank/ Jumlah -
Jabodebek, Bali, Kalimantan, Jawa Tengah/ Jawa Barat/ Sumatera/ Less Neto/
Banten and Sulawesi Central Java West Java Sumatera Total/Total Banks’ Rights Amount - Net
Pendapatan segmen 405.159 396.396 284.148 153.094 340.138 1.578.935 (1.211) 1.577.724 Segment revenues
Pendapatan tidak dapat dialokasi - - - - - - - (6.741) Unallocated revenues
Total pendapatan 405.159 396.396 284.148 153.094 340.138 1.578.935 (1.211) 1.570.983 Total revenues
Beban segmen: Segment expenses:

Beban usaha 171.359 155.360 105.009 69.005 137.512 638.245 - 638.245 Operating expenses
Beban pendanaan dan Financing costs and
keuangan 71.600 75.819 55.538 25.952 64.402 293.311 (1.211) 292.100 financing charges
Pembentukan cadangan
.06
kerugian penurunan Provision for

nilai 53.737 46.955 37.763 22.841 47.267 208.563 - 208.563 impairment losses
Beban penyusutan 7.647 9.498 5.893 4.416 8.084 35.538 - 35.538 Depreciation expenses
Total beban 304.343 287.632 204.203 122.214 257.265 1.175.657 (1.211) 1.174.446 Total expenses
Hasil segmen 100.816 108.764 79.945 30.880 82.873 403.278 - 396.537 Segment results
Beban tidak dapat dialokasi 201.837 Unallocated expenses

Beban pendanaan dan Unallocated financing costs and
keuangan tidak dapat dialokasi 3.882 financing charges
Beban penyusutan
tidak dapat dialokasi 35.170 Unallocated depreciation expenses
kerugian penurunan nilai Provision for
tidak dapat dialokasi 404 Unallocated impairment losses
Laba sebelum beban pajak final Income before final tax expense
dan beban pajak penghasilan 155.244 and income tax expense
.07
Beban pajak final 1.662 Final tax expense

beban pajak penghasilan 153.582 income tax expense
Beban pajak penghasilan 42.972 Income tax expense
Financial Statements 2021
Laba tahun berjalan 110.610 Income for the year

Laporan Keuangan 2021
147

.04
Jabodebek, Kalimantan, dan Dikurangi Hak

Banten/ Sulawesi/East Java, Bank-bank/ Jumlah -
Jabodebek, Bali, Kalimantan, Jawa Tengah/ Jawa Barat/ Sumatera/ Total/ Less Neto/
Banten and Sulawesi Central Java West Java Sumatera Total Banks’ Rights Amount - Net
Aset segmen 1.078.387 1.197.399 736.003 458.403 1.020.354 4.490.546 (754) 4.489.792 Segment assets
Profil Perusahaan
Aset tidak dapat dialokasi 661.292 Unallocated assets

Company Profile
Total aset 5.151.084 Total assets

Liabilitas segmen 20.571 18.742 8.096 9.176 16.408 72.993 - 72.993 Segment liabilities
.03
Liabilitas 3.744.444
tidak dapat dialokasi Unallocated liabilities
L
S
Total liabilitas 3.817.437 Total liabilities
Perolehan aset tetap
segmen 3.021 3.636 1.579 3.277 4.401 15.914 - 15.914 Segment acquisitions of property and
equipment
Laporan Manajemen
Perolehan aset tetap Acquisitions of property and equipment

Management Reports
kantor pusat 13.703 in head office

Total perolehan Total acquisitions of property
aset tetap 29.617 and equipment
.02
Ikhtisar Utama
.01 148


Year ended December 31, 2020
.05
Jawa Timur, Bali,

Kalimantan, dan Dikurangi Hak
Sulawesi/East Java, Bank-bank/ Jumlah -
Jabotabek/ Bali, Kalimantan, Jawa Tengah/ Jawa Barat/ Sumatera/ Less Neto/
Jabotabek and Sulawesi Central Java West Java Sumatera Total/Total Banks’ Rights Amount - Net
Pendapatan segmen 501.034 445.715 392.080 231.841 408.117 1.978.787 (21.781) 1.957.006 Segment revenues
Pendapatan tidak dapat dialokasi - - - - - - - 43.844 Unallocated revenues
Total pendapatan 501.034 445.715 392.080 231.841 408.117 1.978.787 (21.781) 2.000.850 Total revenues
Beban segmen: Segment expenses:

Beban usaha 175.760 171.080 130.013 96.664 151.318 724.835 - 724.835 Operating expenses
Beban pendanaan dan Financing costs and
keuangan 129.429 123.264 112.323 59.790 112.378 537.184 (21.781) 515.403 financing charges
kerugian penurunan Provision for
nilai 100.347 62.758 67.680 48.910 94.508 374.203 - 374.203 impairment losses
.06
Beban penyusutan 2.925 5.025 2.811 1.889 4.345 16.995 - 16.995 Depreciation expenses
Total beban 408.461 362.127 312.827 207.253 362.549 1.653.217 (21.781) 1.631.436 Total expenses
Hasil segmen 92.573 83.588 79.253 24.588 45.568 325.570 - 369.414 Segment results
Beban tidak dapat dialokasi 207.692 Unallocated expenses

Beban pendanaan dan Unallocated financing costs and
keuangan tidak dapat dialokasi 6.298 financing charges
Beban penyusutan
tidak dapat dialokasi 61.496 Unallocated depreciation expenses
Pembalikan cadangan
kerugian penurunan nilai Reversal on
tidak dapat dialokasi (27) Unallocated impairment losses
Laba sebelum beban pajak final Income before final tax expense
dan beban pajak penghasilan 93.955 and income tax expense
Beban pajak final 6.681 Final tax expense
.07

beban pajak penghasilan 87.274 income tax expense
Beban pajak penghasilan 29.896 Income tax expense
Laba tahun berjalan 57.378 Income for the year

Financial Statements 2021
Laporan Keuangan 2021
149

Kalimantan, dan Dikurangi Hak
Sulawesi/East Java, Bank-bank/ Jumlah -
Jabotabek/ Bali, Kalimantan, Jawa Tengah/ Jawa Barat/ Sumatera/ Total/ Less Neto/
.04
Jabotabek and Sulawesi Central Java West Java Sumatera Total Banks’ Rights Amount - Net
Aset segmen 1.002.823 1.105.934 900.384 495.357 948.281 4.452.779 (53.765) 4.399.014 Segment assets
Aset tidak dapat dialokasi 884.688 Unallocated assets
Total aset 5.283.702 Total assets
Profil Perusahaan
Liabilitas segmen 15.022 11.743 10.624 8.010 8.529 53.928 - 53.928 Segment liabilities
Company Profile
Liabilitas 4.016.429
tidak dapat dialokasi Unallocated liabilities
L
S
Total liabilitas 4.070.357 Total liabilities
.03
Perolehan aset tetap

segmen 446 2.961 867 351 2.325 6.950 - 6.950 Segment acquisitions of property and
equipment
Perolehan aset tetap Acquisitions of property and equipment
kantor pusat 13.420 in head office
Laporan Manajemen
Total perolehan Total acquisitions of property

Management Reports
aset tetap 20.370 and equipment

.02
Ikhtisar Utama
.01 150
.05 .06 .07


41. DAMPAK PENERAPAN AWAL PSAK 71 DAN 41. IMPACT OF THE INITIAL IMPLEMENTATION
PSAK 73 OF SFAS 71 AND SFAS 73
PSAK 71: Instrumen Keuangan SFAS 71: Financial Instruments
Perusahaan menerapkan PSAK 71 pada tanggal 1 The Company adopted SFAS 71 as of January 1,
Januari 2020. 2020.
Kategori klasifikasi awal sesuai dengan PSAK 55 The following table shows the original
dan kategori klasifikasi baru berdasarkan PSAK 71 classification categories in accordance with SFAS
untuk aset keuangan Perusahaan pada tanggal 55 and the new classification categories under
1 Januari 2020 (Catatan 2d dan 2f). Tidak terdapat SFAS 71 for the Company’s financial assets as of
perubahan pada nilai tercatat bruto aset keuangan January 1, 2020 (Notes 2d and 2f). There is no
Perusahaan pada tanggal 1 Januari 2020 terkait changes to the gross carrying amount of the
dengan adopsi klasifikasi baru berdasarkan PSAK Company’s financial assets as of January 1, 2020
71. due to the adoption of new classification under
SFAS 71.
Cadangan kerugian penurunan nilai instrumen The allowance for impairment losses for financial
keuangan dihitung kembali sesuai dengan instruments was recalculated in accordance with
ketentuan transisi PSAK 71 pada tanggal 1 Januari transitional provisions of SFAS 71 as of January
2020 dan perbedaan yang dihasilkan sebesar 1, 2020 and the resulting difference of Rp153,377
Rp153.377 didebitkan ke saldo awal laba ditahan was debited to the opening balance of retained
pada tanggal 1 Januari 2020. earnings as of January 1, 2020.
Tabel berikut ini menunjukkan akun-akun dalam The following table reflects accounts in statement
laporan posisi keuangan yang terdampak oleh of financial position which were affected by the
transisi PSAK 71 pada tanggal 1 Januari 2020. transition of SFAS 71 as of January 1, 2020.
Sebelum Setelah
penerapan penerapan
PSAK 71/ Dampak PSAK 71/
Before penerapan/ After
implementation Impact of implementation
of SFAS 71 implementation of SFAS 71
ASET ASSETS
Bank dan setara kas 741.576 (1.550) 740.026 Cash in banks and cash equivalents
Piutang pembiayaan konsumen - Consumer financing receivables -
neto 7.205.215 (151.769) 7.053.446 net
Piutang lain-lain - Other receivables
piutang karyawan 4.966 (58) 4.908 loans to employees
EKUITAS EQUITY
Saldo laba - belum ditentukan
penggunaannya 836.859 (153.377) 683.482 Retained earnings - unappropriated
151
.01 .02 .03 .04


41. DAMPAK PENERAPAN AWAL PSAK 71 DAN 41. IMPACT OF THE INITIAL IMPLEMENTATION OF
PSAK 73 (lanjutan) SFAS 71 AND SFAS 73 (continued)
PSAK 73: Sewa SFAS 73: Leases

Perusahaan menerapkan PSAK 73 pada tanggal 1 The Company adopted SFAS 73 as of January 1,
Januari 2020. 2020.
Pada penerapan awal PSAK 73 untuk sewa operasi, At initial implementation of SFAS 73 for operating
hak untuk menggunakan aset sewa umumnya leases, the right-of-use lease asset was generally
diukur pada jumlah kewajiban sewa, dengan measured at the amount of the lease liability, using
menggunakan tingkat bunga pada saat awal the interest rate at the time of the initial
penerapan. Tingkat suku bunga yang digunakan implementation. The interest rates were used as of
pada tanggal 1 Januari 2020 berkisar antara 8,88% January 1, 2020 ranging from 8.88% - 9.08%. For
- 9,08%. Untuk pengukuran penggunaan pada the measurement of the right-of-use assets at the
tanggal penerapan awal, biaya langsung awal tidak date of initial implementation, initial direct costs
diperhitungkan sesuai dengan PSAK 73. were not taken into account in accordance with
SFAS 73.
Sebagai konsekuensi dari perubahan ke PSAK 73 As a consequence of the change to SFAS 73 as of

per 1 Januari 2020, kontrak sewa yang sebelumnya January 1, 2020, contracts that previously had been
telah diakui sebagai sewa operasi, sekarang recognized as operating leases, now qualify as
memenuhi syarat sebagai sewa seperti yang leases as defined by the new standard. The initial
didefinisikan oleh standar baru. Pada awal implementation resulted in recognition of right-of-
penerapan standar mengakibatkan pencatatan aset use assets amounting to Rp109,515 and lease
hak-guna sebesar Rp109.515 dan kewajiban sewa liabilities amounting to Rp58,407 in statement of
sebesar Rp58.407 dalam laporan posisi keuangan financial position as of January 1, 2020.
per 1 Januari 2020.
1 Januari/January 1, 2020
Efek penyesuaian
transisi
penerapan
PSAK 73/
Impact from
Sebelum transitional Setelah
penyesuaian/ adjustment on penyesuaian/
Before implementation After
adjustment SFAS 73 adjustment
LAPORAN POSISI STATEMENT OF

KEUANGAN FINANCIAL POSITION
ASET ASSETS
Biaya dibayar dimuka dan uang
muka - sewa dan uang muka Prepaid and advances - office rentals
renovasi kantor 60.258 (51.141) 9.117 and advance for renovations
Aset tetap - aset hak guna - Fixed assets - right-of-use assets -
setelah akumulasi penyusutan - 109.515 109.515 net of accumulated depreciation
Aset pajak tangguhan 469 33 502 Deferred tax assets
Utang lain-lain - liabilitas sewa - 58.407 58.407 Other payables - lease liabilities
152
.05 .06 .07


42. STANDAR AKUNTANSI YANG TELAH DISAHKAN 42. ACCOUNTING STANDARDS ISSUED BUT NOT
NAMUN BELUM BERLAKU EFEKTIF YET EFFECTIVE
Berikut ini adalah beberapa Standar Akuntansi The following are several Financial Accounting
Keuangan, Interpretasi Standar Akuntansi Keuangan Standards, Interpretations of Financial Accounting
dan amandemen yang telah disahkan oleh Dewan Standards and amendment issued by the
Standar Akuntansi Keuangan (DSAK) yang Indonesian Financial Accounting Standards Board
dipandang relevan terhadap pelaporan keuangan (DSAK) that are considered relevant to the financial
Perusahaan namun belum berlaku efektif untuk reporting of the Company but are not yet effective
laporan keuangan tahun 2021: for 2021 financial statements:
 Penyesuaian Tahunan 2020 - PSAK 71:  2020 Annual Adjustment - SFAS 71: “Financial
“Instrumen Keuangan - Imbalan dalam pengujian Instruments - Fee under testing “10 percent”
“10 persen” untuk penghentian pengakuan for the derecognition of a financial liability”,
liabilitas keuangan”, berlaku efektif 1 Januari effective January 1, 2022.
2022.
Amandemen tersebut mengklarifikasi biaya yang The amendments clarify the costs included in
termasuk dalam entitas ketika menilai apakah the entity when assessing whether the terms
persyaratan liabilitas keuangan baru atau yang of the new or modified financial liabilities are
dimodifikasi secara substansial berbeda dari substantially different from the terms of the
persyaratan liabilitas keuangan asli. original financial liabilities.
 Penyesuaian Tahunan 2020 - PSAK 73: “Sewa”.  Annual Improvement 2020 - SFAS 73: “Lease”.
Penyesuaian ini mengklarifikasi pengukuran This improvement clarifies the measurement
oleh penyewa dan pencatatan perubahan masa by the lessee and the recording of changes in
sewa terkait “perbaikan properti sewaan”. the lease term regarding “repairs on lease
property”.
 Amendemen PSAK 25: “Kebijakan Akuntasi,  Amendment of SFAS 25: “Accounting Policies,
Perubahan Estimasi Akuntansi, dan Kesalahan” Changes in Accounting Estimates, and Errors”
tentang definisi “estimasi akuntansi” dan regarding the definition of “accounting
penjelasannya. estimates” and their explanations.
 Amendemen PSAK 16: “Aset Tetap” tentang  Amendment of SFAS 16: “Fixed Assets”
hasil sebelum penggunaan yang diintensikan. regarding proceeds before intended use.
 Amendemen PSAK 46: “Pajak Penghasilan”  Amendment of SFAS 46, “Income Tax” on
tentang Pajak Tangguhan terkait Aset dan Deferred Tax related to Assets and Liabilities
Liabilitas yang timbul dari Transaksi Tunggal arising from a Single Transaction which
yang diadopsi dari Amandemen IAS 12 Income adopted from Amended IAS 12 Income Taxes
Taxes tentang Deferred Tax related to Assets on Deferred Tax related to Assets and
and Liabilities arising from a Single Transaction. Liabilities arising from a Single Transaction.
Manajemen masih melakukan persiapan dalam The management intends to adopt these new
penerapan standar baru tersebut yang standards that are considered relevant to the
dipertimbangkan relevan terhadap Perusahaan pada Company when they become effective, and the
saat efektif, dan pengaruhnya terhadap posisi dan impact to the financial position and performance of
kinerja keuangan Perusahaan masih diestimasi the Company is still being estimated until the report
sampai tanggal laporan keuangan. date.
153
.01 .02 .03 .04


43. PERISTIWA SETELAH TANGGAL PELAPORAN 43. EVENT AFTER REPORTING DATE
Pada tanggal 18 Oktober 2021, Perusahaan On October 18, 2021, the Company received
menerima Surat Perintah Pemeriksaan Perubahan Change Examination Instruction Letter No. PRIN-
No. PRIN-P-7/WPJ.19/2021. Pada tanggal 11 P-7/WPJ.19/2021. On January 11, 2022, the
Januari 2022, Perusahaan menerima Surat Company received Tax Assessment Letters for
Ketetapan Pajak (”SKP”) untuk tahun fiskal 2017. fiscal year 2017. Based on Tax Assessment
Berdasarkan SKP tersebut, Kantor Pajak Letters, the Tax Office confirmed the
menetapkan kurang bayar atas Pajak Penghasilan underpayment of Income Tax Article 21 of Rp177,
Pasal 21 (”PPh Pasal 21”) sebesar Rp177, Pajak Withholding Tax Articles 23/26 of Rp436,
Penghasilan Pasal 23/26 (”PPh Pasal 23/26”) Withholding Tax Articles 4.2 of Rp8, Value Added
sebesar Rp436, Pajak Penghasilan Pasal 4.2 (”PPh Tax of Rp635, and Corporate Income Tax of
Pasal 4.2”) sebesar Rp8, Pajak Pertambahan Nilai Rp44,658. On February 9, 2022, the Company
(”PPN”) sebesar Rp635 dan Pajak Penghasilan has fully paid those tax underpayments.
Badan sebesar Rp44.658. Pada tanggal 9 Februari
2022, Perusahaan sudah membayar seluruh kurang
bayar pajak tersebut.
154
Laporan Tahunan
Annual Report
2021

Jl. Yos Sudarso Kav.85
Kelurahan Sunter Jaya, Kecamatan Tanjung Priok
Jakarta Utara 14350
Phone : +62 21 2188 2400

Fax : +62 21 2188 2420
Contact Center : 0804-1123888
Email : corporate_secretary@wom.co.id
Website : www.wom.co.id

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