2Q2015 Quarterly Report

Laporan Progres Kuartal ke 2 Tahun 2015 │April – June 2015

life for greater purpose

Laporan Kuartal 2Q2015/ 2Q2015 Quarterly Report

www.amartha.co.id

Daftar Isi Table of Contents

Daftar Isi/ Contents ...................................................................................................................... 2 Pendahuluan/ Introduction ........................................................................................................... 3 Ringkasan/ Summary .................................................................................................................... 4 Jangkauan/ Outreach.................................................................................................................... 5 Kualitas Portofolio/ Portfolio Quality ............................................................................................. 6 Pembiayaan/ Financing................................................................................................................. 6 Tabungan/ Savings........................................................................................................................ 8 Produktifitas dan Efisiensi/ Productivity and Efficiency ................................................................... 9 Pengembangan Kapasitas Manusia & Penguatan Institusi/ Institution Building............................... 10 Aktifitas Sosial/ Social Activities................................................................................................... 11 Laporan Posisi Keuangan/ Balance Sheet ..................................................................................... 12 Laporan Sisa Hasil Usaha/ Profit and Loss Statement .................................................................... 14 Rencana untuk Kuartal 3 Tahun 2015/ 3Q2015 Plan ..................................................................... 15 Laporan Posisi Keuangan ($)/ Statment of Financial Position ($) .................................................... 16 Laporan Sisa Hasil Usaha ($)/ Statment of Operating Result ($) ................................................... 18

2 | La pora n Progres Kuartal 2 Ta hun 2015/Progress Report Quarter 2 Yea r 2015

Pendahuluan Introduction

Amartha Microfinance (Amartha) yang beroperasi sebagai badan hukum Koperasi Amartha Indonesia merupakan institusi yang berorientasi pada bisnis sosial. Misi Amartha memfokuskan kepada pelayanan jasa keuangan terjangkau untuk masyarakat prasejahtera di pelosok pedesaan, sehingga mereka dapat mengejar kehidupan dengan tujuan yang lebih besar. Amartha memajukan misi sosialnya dalam mengurangi kemiskinan melalui layanan pendidikan keuangan dasar dan pengorganisasian masyarakat yang melengkapi pelayanan jasa keuangannya.

Amartha Microfinance (Amartha) is a social enterprise, legally operating as Koperasi Amartha Indonesia. Amartha’s mission is to empower low-income families in remote rural areas with affordable financial services and therefore enable them to pursue life for greater purposes.. Amartha promotes its social mission in reducing poverty through basic financial literacy and community organizing that complements its financial services.

Amartha menerapkan model bisnis pembiayaan kelompok serta dilengkapi dengan produk tabungan sukarela dengan prinsip syariah (Islamic Microfinance). Amartha memberikan pembiayaan dengan jangka waktu 50 minggu dengan mekanisme bagi hasil yang disepakati bersama di awal. Seluruh anggota Amartha adalah perempuan. Setiap kelompok terdiri dari lima anggota dan kemudian tiga atau maksimal lima kelompok membentuk satu majelis. Anggota membayar angsuran setiap minggu dengan didampingi oleh pendamping lapangan Amartha. Seluruh anggota Amartha memahami secara penuh prinsip tanggung renteng atau prinsip tanggung jawab bersama, di mana apabila ada anggota yang tidak mengangsur pada pertemuan mingguan, maka menjadi kewajiban bersama bagi seluruh anggota majelis untuk menanggung angsuran yang tidak terbayarkan tersebut.

Amartha provides a group-based lending and voluntary saving product according to the sharia principles (Islamic Microfinance). The groupbased lending provides financing with a 50 weektenor using a profit-sharing mechanism that is mutually agreed upon. All Amartha members are women. Five members form a group and then three to maximum five groups form a gathering group (Majelis). The members pay their installment every week to Amartha’s field officers. All Amartha members fully understand the collective responsibility principle or shared responsibility principle. This principle establishes that if there is default by any member on the weekly meetings the Majelis has the obligation to cover the unpaid installment.

Laporan ini menyajikan informasi operasional dan keuangan Amartha untuk kuartal kedua 2015 (April– Juni)/2K2015. Di triwulan kedua tahun 2015, menjangkau 6.713 anggota yang merupakan gabungan dari 6 cabang yang Amartha miliki di kabupaten Bogor dan Bandung. Amartha memiliki 6 cabang yaitu Ciseeng, Jasinga, Kemang, Bojong Gede, Tenjo di kabupaten Bogor; dan Cangkuang di Bandung. Tingkat Portofolio Beresiko atau tingkat keterlambatan pembayaran di atas 30 hari terhadap seluruh portofolio pembiayaan Amartha dapat dikelola pada angka 0%.

This report presents Amartha’s operational and financial information for the second quarter of 2015 (April-June)/2Q2015. By the end of 1Q2015, Amartha had reached 6.476 members which were spread over 6 branches in Bogor dan Bandung regencies. Amartha has 6 branch offices in Ciseeng, Jasinga, Kemang, Bojong Gede, Tenjo in Bogor regency; and Cangkuang in Bandung Regency. The Portfolio at Risk for more than 30 days of Amartha’s total outstanding portfolio had been maintained at a 0%.

Laporan kuartal ini merupakan laporan keuangan terakhir dan narasi yang menyeluruh terhadap perkembangan Amartha. Laporan dapat diakses melalui MIXMarket website (mixmarket.org).

This quarterly report is a financial update and comprehensive narration of Amartha’s progress. The previous quarterly reports can be accessed through MIXMarket website (mixmarket.org)


Ringkasan

Summary

PARAMETER

APR’ 15

MAY' 15

JUN’ 15

Jangkuan / Outreach Kantor Cabang / Branch

6

6

6

91

93

98

Majelis / Gathering

453

447

468

Anggota/ Members

6,461

6,383

6,713

% anggota perempuan / % of women members

100%

100%

100%

Anggota Aktif Pembiayaan/ Active Loan Account

5,572

5,688

6,315

(Akumulatif) Pembiayaan Disalurkan di 2015(Rp)

3,777,250,000

5,447,250,000

6,880,050,000

285,939

412,358

520,821

5,610,423,600

6,433,153,600

7,222,764,600

424,710

486,991

546,765

1,006,896

1,131,005

1,143,747

Average Portfolio Outstanding/ Member ($)

76

86

87

Portofolio Beresiko (>30 hari) / Portfolio at Risk (>30 days)

0%

0%

0%

6,095

5,887

6,054

Saldo Portofolio Tabungan (Rp)

399,188,500

413,258,500

288,204,500

Voluntary Savings Portfolio ($)

30,219

31,284

21,817

66

66

63

Desa / Village

Pembiayaan / Financing

(Accumulated) Financing Disbursed in 2015 ($) Saldo Bruto Portofolio (Rp) Gross Portfolio Outstanding ($) Rata-rata Saldo Portofolio / Anggota (Rp)

Tabungan / Savings Anggota Aktif Menabung / Active Savings Account

Karyawan / Staff Total Karyawan / Staff $ 1 = Rp 13.210 (per 30 June 2015)


Jangkauan Outreach

PARAMETER

APR’ 15

MAY' 15

Kantor Cabang / Branch

JUN’ 15

6

6

6

91

93

98

453

447

468

8

6

23

6,461

6,383

6,713

Anggota Baru / New Members

248

183

447

Anggota Keluar / Drop-out Members

328

261

117

Pertumbuhan Anggota / Membership Growth

-1%

-1%

5%

Desa / Village Majelis / Gathering Majelis Baru / New Gathering Anggota Layanan / Members

878 anggota baru dan 37 majelis baru 878 new members joined Amartha and 37 new terbentuk selama 2K2015. majelis were formed during 2Q2015. Mayoritas dari 706 anggota keluar selama 2K2015 yang sebagian besar mengundurkan diri karena tidak dapat memenuhi tingkat kehadiran majelis yang telah ditentukan dan disepakati. Beberapa dari mereka juga mengundurkan diri karena memang sudah tidak tidak membutuhkan pembiayaan. 98 desa di Kabupaten Bogor dan Kabupaten Bandung telah menjadi daerah layanan Amartha hingga akhir 2K2015. Strategi perluasan jumlah anggota dilakukan dengan membuka pelayanan di desa baru dan memaksimalkan jumlah anggota di desa yang sudah dilayani dengan tetap menjaga kualitas pelayanan.

Pertumbuhan Anggota per Bulan/ 6887

6756

252 Jan

6541

120 Feb

There majority of 706 dropped out members during 2Q2015 largely pulled out their membership as they had no financing need for the time being.

98 villages in Bogor Regency and Bandung Regency have become the service area of Amartha by the end of 1Q2015. Expansion strategy to grow the number of members had been continued by intensifying our work in the existing villages and maintaining the high quality of service.

Membership Growth per Month

6461

248

74 Mar

Akumulasi/ Acumulated

6383

Apr

447

183 Mei

Bulanan/ Monthly


6713

Jun

Kualitas Portofolio

Portfolio Quality

PARAMETER Portofolio Beresiko (>30 hari) / Portfolio at Risk (>30 days)

JAN’ 15

FEB’ 15

MAR’ 15

0%

0%

0%

Portofolio Beresiko. Pada 2K2015, tingkat keterlambatan pembayaran lebih dari 30 hari masih dikelola di tingkat 0% secara stabil dari bulan Januari.

Portfolio at Risk, which represents the level of past due installments for more than 30 days had been stable on an excellent level in 2Q2015 at 0%.

Tanggung renteng tetap berjalan dengan baik hampir di seluruh majelis. Tanggung renteng dilakukan karena anggota tidak hadir pada saat pertemuan tanpa keterangan, anggota sedang sakit, atau usaha sedang macet.

Collective responsibility continued to run well in almost all Gathering groups (majelis). The collective responsibility is exercised whenever a member does not attend a gathering group meeting without giving any explanation, due to illness or when her business is not performing.

Pembiayaan Financing

PARAMETER

APR’ 15

MAY' 15

JUN’ 15

3,777,250,000

5,447,250,000

6,880,050,000

285,939

412,358

520,821

Per Bulan (Rp)

1,035,250,000

1,670,000,000

1,432,800,000

Per Month ($)

78,369

126,419

108,463

2,290,376

2,541,857

1,641,237

182

206

130

5,610,423,600

6,433,153,600

7,222,764,600

424,710

486,991

546,765

1,006,896

1,131,005

1,143,747

76

86

87

(Akumulatif) Pembiayaan Disalurkan in 2015 (Rp) (Accumulated) Financing Disbursed in 2015 ($)

(Bulanan) Rata-rata Pembiayaan per Anggota (Rp) (Monthly) Average Financing Disbursed per Member ($) Saldo Bruto Portofolio (Rp) Gross Portfolio Outstanding ($) Rata-rata Saldo Portofolio per Anggota (Rp) Average Portfolio Outstanding per Member ($) $ 1 = Rp 13.210 (per 30 June 2015)

Rp. 4.1 milyar adalah pembiayaan yang Rp 4.1billion was disbursed to 1.036 members disalurkan selama periode April-June 2015 during the period January to March 2015. kepada 1.036 anggota. Saldo bruto portofolio sebesar Rp 7.2 milyar Gross portfolio outstanding was Rp 7.2 billion atau sebesar Rp 1,143,747 per anggota pada akhir or amounting to Rp 1,143,747 per member at 2K2015. Saldo portfolio meningkat sebesar 29% the end of 2Q2015. The portfolio size increased dari kuartal sebelumnya. by 29% compared to 2Q2015.


PEMBIAYAAN /FINANCING

APR’ 15

MAY' 15

JUN’ 15

Cycl e 1 (Rp) / ($)

252,700,000.00

/

19,129.45

214,600,000.00

/

16,245.27

230,000,000.00

/

17,411.05

Cycl e 2 (Rp) / ($)

316,950,000.00

/

23,993.19

488,100,000.00

/

36,949.28

455,000,000.00

/

34,443.60

Cycl e 3 (Rp) / ($)

165,100,000.00

/

12,498.11

340,200,000.00

/

25,753.22

238,300,000.00

/

18,039.36

Cycl e 4 (Rp) / ($)

189,700,000.00

/

14,360.33

432,400,000.00

/

32,732.78

331,900,000.00

/

25,124.91

Cycl e 5 (Rp) / ($)

104,800,000.00

/

7,933.38

189,700,000.00

/

14,360.33

177,600,000.00

/

13,444.36

Cycl e 6 (Rp) / ($)

6,000,000.00

/

454.20

5,000,000.00

/

378.50

Penyaluran Pembiayaan dalam Setiap Putaran. Selama 2K2015, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1.5 juta, kepada 179 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2.5 juta, kepada 147 anggota; pembiayaan putaran ketiga, yaitu maksimal Rp 3.5 juta, kepada 55 anggota; pembiayaan putaran keempat, yaitu maksimal Rp 4.5 juta, kepada 48 anggota; pembiayaan putaran kelima, yaitu maksimal Rp 5.5 juta, kepada 23 anggota; dan putaran keenam, yaitu maksimal Rp 6.5 juta, kepada 1 anggota. Sektor Pembiayaan Januari- Maret 2015 Dari seluruh pembiayaan yang dicairkan kepada 1.982 anggota dari April hingga Juni 2015, persebaran sektor pembiayaan adalah sebagai berikut:

Financing Disbursement for Each Cycle.. Financing has been disbursed in 2Q2015 as follows: first round of financing with a maximum amount of Rp 1.5 million to 179 members; second round of financing with a maximum amount of Rp 2.5 million to 147 members; third round of financing with a maximum amount of Rp 3.5 million to 55 members; fourth round of financing with a maximum amount of Rp 4.5 million to 48 members; the fifth round of financing with a maximum amount of Rp 5.5 million to 23 members; and the last round of financing with a maximum amount of Rp 6.5 million to 1 member. Use of Financing January–March 2015 From the total financing disbursed to 1.982 members from April until June 2015, the use of financing is spread over different sectors as follows:

Sektor Pembiayaan / Financing Sectors Apr- Jun 2015 Perdagangan/ Trading

1,191

Pendidikan/ Education

285

Perumahan/ Housing

204

Pertanian/ Agriculture

142

Lainnya/ Others

105

Jasa/ Services

29

Industri Rumah Tangga/ Home Industry

15

Kesehatan/ Health

13


Tabungan Savings

PARAMETER Anggota Aktif Menabung / No. of Active Savings (members) Saldo Portofolio Tabungan (Rp)

APR’ 15

MAY' 15

JUN’ 15

6,095

5,887

6,054

399,188,500

413,258,500

288,204,500

Voluntary Savings Portfolio ($)

30,219

31,284

21,817

Jumlah Tabungan Masuk (Rp)

311,632,000

133,124,000

116,354,600

23,591

10,078

8,808

268,376,000

119,054,000

241,408,600

Amount of Withdrawn Voluntary Savings ($)

20,316

9,012

18,275

Rata-rata Saldo Tabungan per Anggota (Rp)

65,494

70,198

47,606

Average Voluntary Savings per Member ($)

5.0

5.3

3.6

Amount of Deposited Voluntary Savings ($) Jumlah Tabungan Keluar (Rp)

$ 1 = Rp 13.210 (per 30 June 2015)

Rp 288.20 juta merupakan saldo portofolio tabungan sukarela dari 6,054 anggota yang aktif menabung pada akhir 1K2015. Anggota yang aktif menabung adalah anggota yang menyetorkan tabungan wajib setiap minggunya dan memiliki saldo tabungan sukarela > Rp 0.

RP 288.20 million was the voluntary savings balance from 6,054 members who actively save their money in 1Q2015. Active savings members are those who continue to deposit their mandatory savings every week and have a voluntary saving balance of > Rp 0.

Juta/Millions (Rp)

Saldo Tabungan Sukarela / Voluntary Savings Balance 500 450 400 350 300 250 200 150 100 50 -

312 268

141

110

Jan

135 122

150 134

Feb

Mar

Tabungan Masuk/Deposit

241 133 119

Apr

Mei

Tabungan Keluar/Withdrawal


116

Jun

Produktifitas dan Efisiensi

Productivity and Efficiency

878 Anggota baru selama 2K2015. Sedangkan, Number of new members during 1Q2015 was anggota keluar tercatat sebanyak 706. 324 members and 667 members left Amartha. Anggota per Pendamping Lapangan. Members per Field Officer Ratio. As of end of Rasio pada akhir 2K2015, masing-masing March 2015, one field officer was in charge of pendamping mendampingi sekitar 217 anggota. 217 members in average. Portofolio per Pendamping Lapangan. Outstanding portfolio per field officer was Rp Saldo portofolio per pendamping lapangan per 232 million with totally 15 groups gathering per Maret 2015 adalah Rp 232 juta dengan 15 majelis field officers employed per March 2015. per pendamping lapangan. PARAMETER

APR’ 15

MAY' 15

JUN’ 15

Jangkauan / Outreach Anggota Layanan / Members Majelis / Gathering

5,572

5,688

6,315

453

399

414

Total Karyawan / Staff

66

66

63

Kantor Pusat / Head Office

32

31

28

Kantor Cabang / Branch

34

35

35

Pendamping Lapang / Field Officers

28

29

29

208

206

217

98

97

107

15

14

15

180,981,406.00

207,521,084.00

232,992,406.00

13,700.33

15,709.39

17,637.58

Rasio Efisiensi / Efficiency Ratio Anggota per Pendamping Lapangan / Members per Field Officer Anggota per Total Karyawan / Members per Total Staff (HO+Unit) Majelis per Pendamping Lapangan / Gatherings per Field Officer Portofolio per Pendamping Lapangan (IDR) / Portfolio per Field Officer ($) $ 1 = Rp 13.210 (per 30 June 2015)


Pengembangan Kapasitas Manusia & Penguatan Institusi

Human Capacity and Institutional Building

Dimulai dari 1K2014; Amartha cukup stabil dalam Since the 1Q2014, Amartha experienced stable hal pengelolaan manusia. Hal ini berlanjut pada progress in terms of people management. It 2K2015. continues in the 2Q2015.

Tenaga Kerja/ Employess Karyawan Masuk / Recruited 0

Bulan April

Karyawan Keluar / Resigned 5

Karyawan Dipromosi / Promoted 2

Jumlah Karyawan / Total Employee 65

Karyawan Dimutasi / Rotated 11

Mei

1

1

65

0

0

Juni

2

3

64

2

7

Aktivitas Rekrutmen/ Recruitment Activities Judul

Tanggal

April

Bulan

-

-

Mei

Recruitment Karyawan / Kantor Amartha

2, 22, 31 Mei 2015

Juni

Recruitment Karyawan / Kantor Amartha

1, 3, 6, 10 Juni 2015

Head Office

Amartha Leadership Program

Officer dan Admin

Aplikasi Masuk / Application Received

Aplikan Diterima / Applicant Accepted





April

10

-

-

-

3

0

Mei

9

-

-

-

4

1

Juni

5

-

-

-

4

2

Bulan

Pelatihan, Pengembangan, dan Workshop/ Training and Workshop Bulan April

Judul

Tanggal

-

-

Mei

Refreshment Training: Operational

Juni

Pelatihan Komunikasi Untuk Pimpinan


13 - 14 Mei 2015 23 Juni 2015

Aktifitas Sosial

Social Projects

Project Sosial Amartha melengkapi pelayanan keuangannya dengan pendampingan pemberdayaan masyarakat. Beberapa kegiatan yang difokuskan pada triwulan kedua ini adalah Talkshow Inspiratif dan Berbagi Kacamata Gratis.

Social Project Amartha complements its financial services with empowerment program. In second quarter, Amartha plan to organize Inspirational Talk show and Delivering Free Eyeglasses.

Talkshow Inspiratif merupakan kegiatan yang mengundang anggota Amartha untuk berbagi pengalaman dan inspirasi perjalanan usaha. Program ini diharapkan untuk menumbuhkan semangat dan ilmu berwirausaha. Kegiatan ini dijalankan di cabang Bojong Gede dan Jasinga.

Inspirational Talk show Inspirational is an activity to promote knowledge-sharing between members. The program is expected to foster the spirit of entrepreneurship. This activity organizes in the Bojong Gede and Jasinga branch offices

Pemeriksaan dan Pembagian Kacamata gratis bagi 200 anggota dan 200 anak anggota yang memiliki keterbatasan penglihatan. Sebelum pelaksanaan, Amartha berencana mengadakan crowdfunding untuk mengajak publik berpartisipasi dalam memberikan kacamata gratis untuk 200 ibu-ibu anggota yang pengusaha.

Free Eyeglasses and Testing to 200 members and 200 children. Prior to the event, Amartha plans to create a crowd-funding campaign in order to promote public participation in providing free glasses to 200 women entrepreneur.

Literasi Keuangan. Pemahaman finansial sangat penting untuk masyarakat. Program literasi keuangan Program literasi keuangan ini diadakan di cabang Kemang bekerjasama dengan Bank Indonesia. Program ini meliputi pengetahuan untuk pengambilan keputusan seperti tabungan, pinjamana, asuransi, dll.

Financial Literacy. Knowledge and understanding of financial matters is a crucial aspect for everyone. Financial literacy program was being held in Kemang branch office. This program is devoted for Amartha’ s members to be able to manage and run a basic financial plan for their family. The program entails the knowledge of properly making decision related to certain personal finance areas like savings, loans, insurance, etc


Laporan Posisi Keuangan

Statements of Financial Position 30/04/2015

31/05/2015

30/06/2015

(Rp)

(Rp)

(Rp)

ASET

ASSETS

ASET LANCAR Kas dan setara kas

CURRENT ASSETS 2,970,063,995

3,716,680,681

2,697,250,716

Piutang pembiayaan Murabahah Ijarah Qardul hasan Piutang Pusat ke cabang Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar

Financing receivables 4,939,357,600

5,664,647,600

6,389,896,600

Murabahah

671,066,000

768,506,000

832,868,000

Ijarah

11,579,062

11,577,403

27,077,403

Qardul hasan

309,106,369

-

-

290,319,060

356,525,691

562,919,372

Prepaid expenses

35,615,400

35,615,400

35,615,400

Inventory

9,227,107,486

10,553,552,776

10,545,627,490

Total current assets

ASET TIDAK LANCAR Aset tetap Akumulasi penyusutan Aset lain-lain Jumlah aset tidak lancar JUMLAH ASET

NON-CURRENT ASSETS 797,455,749

807,554,749

811,344,749

Fixed assets

(304,759,668)

(322,858,978)

(341,144,538)

Accumulated depreciation

38,363,334

37,235,000

36,106,667

Other assets

531,059,415

521,930,771

506,306,878

Total non-current assets

9,758,166,900

11,075,483,547

11,051,934,368

TOTAL ASSETS

LIABILITAS DAN EKUITAS LIABILITAS JANGKA PENDEK Simpanan anggota

Cash and cash equivalent

SHORT-TERM LIABILITIES 716,826,100

749,456,100

663,236,100

Simpanan berjangka

3,150,239,207

2,920,686,815

2,932,436,815

Term deposits

Utang pembiayaan

4,448,210,264

5,966,605,998

5,707,582,641

Financing payables

Utang leasing

134,057,640

125,197,640

116,401,640

Leasing payables

Utang lain-lain

135,682,346

138,828,346

300,575,834

Other liabilities

8,585,015,557

9,900,774,899

9,720,233,030

Total short-term liabilities

Jumlah liabilitas jangka pendek EKUITAS

Members savings

EQUITY

Simpanan pokok

5,600,000

5,600,000

5,600,000

Primary savings

Simpanan wajib

8,400,000

8,400,000

8,400,000

Mandatory savings

Hibah

254,730,000

254,730,000

254,730,000

Grants

Modal penyertaan

512,089,046

512,089,046

664,646,630

Capital participations

Sisa hasil usaha tahun lalu Sisa hasil usaha tahun berjalan

233,654,294

233,654,294

233,654,294

158,678,004

160,235,310

164,670,416

Last year operating result Current year operating result

1,173,151,344

1,174,708,649

1,331,701,339

Total equity

Jumlah ekuitas


JUMLAH LIABILITAS DAN EKUITAS

9,758,166,900

11,075,483,547

11,051,934,369

TOTAL LIABILITIES AND EQUITY

Total aset bernilai Rp 10.5 miliar hingga akhir Total assets were Rp 10.5 billion by the end of 2K2015. Piutang pembiayaan anggota adalah 2Q2015. The members financing receivables sebesar Rp 7.2 miliar atau 68.7% dari total aset. were Rp 7.2 billion or 68.7% of the total assets. Total kewajiban bernilai Rp 9.7 miliar hingga akhir 2K2015, di mana komposisi 59% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 2K2015 adalah Rp 1.3 miliar. Rasio kewajiban per modal adalah 7.2.

Total liabilities were amounting to Rp 9.7 billion by the end of 2Q2015, of which 59% were in the form of financing received. Meanwhile, the equity at the end of 2Q2015 was Rp 1.3 billion. Debt to equity ratio slightly increased to 7.2.


Laporan Sisa Hasil Usaha

Statements of Operating Result 30/04/2015

31/05/2015

30/06/2015

(Rp)

(Rp)

(Rp)

PENDAPATAN Pendapatan pembiayaan Pendapatan dari murabahah

REVENUE Financing revenue Revenue from murabahah

947,785,400.00

1,170,268,400.00

1,442,493,400.00

118,644,000.00

146,420,600.00

178,989,100.00

53,619,739.00

73,851,255.00

96,674,431.00

Revenue from ijarah Administration service revenue

1,120,049,139.00

1,390,540,255.00

1,718,156,931.00

Total

342,725,727.00

436,893,205.00

599,375,001.00

FINANCING EXPENSES

298,600,938.00

384,023,741.00

468,169,042.00

Salaries

23,573,135.00

30,704,148.00

38,269,662.00

Office rent

9,355,287.00

24,592,083.00

30,961,786.00

Tax

Pemeliharaan

16,256,900.00

20,293,900.00

24,235,400.00

Maintenance

Penyusutan

73,653,001.00

92,880,645.00

112,294,538.00

Umum administrasi

193,914,124.00

234,035,053.00

275,186,145.00

Depreciation General and administration

Jumlah

615,353,385.00

786,529,569.00

949,116,573.00

Total

SISA HASIL USAHA OPERASIONAL

161,970,027.00

167,117,481.00

169,665,356.00

OPERATING RESULT

Pendapatan dari ijarah Pendapatan jasa administrasi Jumlah BEBAN PEMBIAYAAN BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pajak

OPERATING EXPENSES

PENDAPATAN (BEBAN) LAINNYA

OTHER INCOMES (EXPENSES)

Pendapatan lain-Lain

5,591,169.00

7,794,402.00

14,035,341.00

Other incomes

Beban lain-lain

8,883,191.00

14,676,573.00

19,030,282.00

Other expenses

(3,292,023.00)

(6,882,172.00)

(4,994,940.00)

Total

158,678,004.00

160,235,310.00

164,670,416.00

NET OPERATING RESULT

Jumlah SISA HASIL USAHA BERSIH

Rata-rata pendapatan pembiayaan per bulan The average financing income per month during selama 2K2015 adalah sekitar Rp 294.8 juta. 2Q2015 was approximately Rp 294.8 million, the Jumlah ini mengalami kenaikan 6%. amount increased 6%. Rata-rata beban operasional per bulan selama Average operating expenses per month during 2K2015 adalah Rp 164 juta. 2Q2015 was Rp 164 million. Selama 2K2015, beban gaji mencapai 49% dari During 2Q2015, salaries accounted for 49% of seluruh beban operasional setiap bulannya. the entire operating expenses per month. 14 | La pora n Progres Kuartal 2 Ta hun 2015/Progress Report Quarter 2 Yea r 2015

Rencana untuk Kuartal 3 Tahun 2015

Plan for 3nd Quarter Year 2015

Jangkauan Outreach Pada kuartal kedua tahun 2015, Amartha fokus In the second quarter of 2015, Amartha was untuk perbaikan operasional dan pemadatan focusing on operational improvement and jumlah anggota scaling up existing market. Pada kuartal ketiga tahun 2015, Amartha akan In the third quarter of 2015, Amartha will be melanjutkan pemadatan pada wilayah yang focusing on scaling up the existing branch offices sudah beroperasi. and preparing for cheap groceries for Ramadhan.

BULAN/MONTH

TARGET

PEMBIAYAAN BARU / NEW FINANCING

Jan/Jan 2015

200 anggota/members

Rp300,000,000

Feb/Feb 2015

250anggota/members

Rp375,000,000

Mar/Mar 2015

400 anggota/members

Rp600,000,000


Lampiran Appendix

Laporan Posisi Keuangan ($)/ Statment of Financial Position ($)

$ 1 = Rp 13.210 (per 30 June 2015) LAPORAN POSISI KEUANGAN

STATEMENTS OF FINANCIAL POSITION 30/04/2015

31/05/2015

30/06/2015

($)

($)

($)

ASET

ASSETS

ASET LANCAR Kas dan setara kas

CURRENT ASSETS 224,834.52

281,353.57

204,182.49

Piutang pembiayaan Murabahah Ijarah Qardul hasan Piutang Pusat ke cabang Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar

Financing receivables 373,910.49

428,815.11

483,716.62

50,799.85

58,176.08

63,048.30

Ijarah

876.54

876.41

2,049.77

Qardul hasan

23,399.42

-

-

HO receivables

21,977.22

26,989.08

42,613.12

Prepaid expenses

2,696.09

2,696.09

2,696.09

Inventory

698,494.13

798,906.34

798,306.40

Total current assets

60,367.58

61,132.08

61,418.98

Fixed assets

(23,070.38)

(24,440.50)

(25,824.72)

Accumulated depreciation

2,904.11

2,818.70

2,733.28

Other assets

40,201.32

39,510.28

38,327.55

Total non-current assets

738,695.45

838,416.62

836,633.94

TOTAL ASSETS

ASET TIDAK LANCAR Aset tetap Akumulasi penyusutan Aset lain-lain Jumlah aset tidak lancar JUMLAH ASET

Cash and cash equivalent Murabahah

NON-CURRENT ASSETS

LIABILITAS DAN EKUITAS LIABILITAS JANGKA PENDEK Simpanan anggota

SHORT-TERM LIABILITIES 54,263.90

56,734.00

50,207.12

Simpanan berjangka

238,473.82

221,096.66

221,986.13

Term deposits

Utang pembiayaan

336,730.53

451,673.43

432,065.30

Financing payables

Utang leasing

10,148.19

9,477.49

8,811.63

Leasing payables

Utang lain-lain

10,271.18

10,509.34

22,753.66

Other liabilities

649,887.63

749,490.91

735,823.85

Total short-term liabilities

Simpanan pokok

423.92

423.92

423.92

Primary savings

Simpanan wajib

635.88

635.88

635.88

Mandatory savings

Hibah

19,283.12

19,283.12

19,283.12

Grants

Modal penyertaan

38,765.26

38,765.26

50,313.90

Capital participations

Sisa hasil usaha tahun lalu

17,687.68

17,687.68

17,687.68

Last year operating result

Jumlah liabilitas jangka pendek EKUITAS

Members savings

EQUITY


Sisa hasil usaha tahun berjalan

12,011.96

12,129.85

12,465.59

Current year operating result

Jumlah ekuitas

88,807.82

88,925.71

100,810.09

Total equity

738,695.45

838,416.62

836,633.94

TOTAL LIABILITIES AND EQUITY

JUMLAH LIABILITAS DAN EKUITAS


Lampiran Appendix

Laporan Sisa Hasil Usaha ($)/ Statment of Operating Result ($)

$ 1 = Rp 13.210 (per 30 June 2015) LAPORAN SISA HASIL USAHA

STATEMENT OF OPERATING RESULT 30/04/2015 ($)

31/05/2015

30/06/2015

($)

($)

PENDAPATAN

REVENUE

Pendapatan pembiayaan Pendapatan dari murabahah

Financing revenue 71,747.57

88,589.58

109,197.08

Revenue from murabahah

Pendapatan dari ijarah

8,981.38

11,084.07

13,366.47

Revenue from ijarah

Pendapatan jasa administrasi

4,059.03

5,590.56

6,580.96

Administration service revenue

Jumlah

84,787.97

105,264.21

129,144.51

Total

BEBAN PEMBIAYAAN

25,944.42

33,072.91

45,372.82

FINANCING EXPENSES

Beban bonus subsidi sembako BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pajak Pemeliharaan Penyusutan

OPERATING EXPENSES 22,604.16

29,070.68

35,440.50

Salaries

1,784.49

2,324.31

2,897.02

Office rent

708.20

1,861.63

2,343.81

Tax

1,230.65

1,536.25

1,834.63

Maintenance

5,575.55

7,031.09

8,500.72

Depreciation

Umum administrasi

14,679.34

17,716.51

20,831.65

General and administration

Jumlah

46,582.39

59,540.47

71,848.34

Total

SISA HASIL USAHA OPERASIONAL

12,261.17

12,650.83

11,923.34

OPERATING RESULT

PENDAPATAN (BEBAN) LAINNYA

OTHER INCOMES (EXPENSES)

Pendapatan lain-Lain

423.25

590.04

-

Other incomes

Beban lain-lain

672.46

1,111.02

1,104.41

Other expenses

(249.21)

(520.98)

(1,104.41)

Total

12,011.96

12,129.85

10,818.94

NET OPERATING RESULT

Jumlah SISA HASIL USAHA BERSIH


Koperasi Amartha Indonesia

Head Office Bukit Indraprasta D3/1 Telaga Kahuripan, Parung Kabupaten Bogor 16330 Indonesia P +62251 861 8111 [email protected] Facebook Amartha Microfinance Twitter @amarthamf Instagram @amarthamf

www.amartha.co.id


2Q2015 Quarterly Report

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