3Q2015 Quarterly Report

Laporan Progres Kuartal ke 3 Tahun 2015 │July– September 2015

life for greater purpose

Laporan Kuartal 3Q2015/ 3Q2015 Quarterly Report

www.amartha.co.id

Daftar Isi Table of Contents

Daftar Isi .................................................................................................................................................. 2 Pendahuluan ........................................................................................................................................... 4 Ringkasan ................................................................................................................................................ 5 Jangkauan ............................................................................................................................................... 6 Kualitas Portofolio................................................................................................................................... 7 Pembiayaan............................................................................................................................................. 7 Tabungan ................................................................................................................................................ 9 Produktifitas dan Efisiensi ..................................................................................................................... 10 Pengembangan Kapasitas Manusia & Penguatan Institusi ................................................................... 10 Aktifitas Sosial ....................................................................................................................................... 11 Laporan Laba Rugi ................................................................................................................................. 12 Laporan Neraca Keuangan .................................................................................................................... 13 Rencana untuk Kuartal Keempat Tahun 2015 ...................................................................................... 14 Laporan Posisi Keuangan ($)/ Statment of Financial Position ($) ......................................................... 15 Laporan Sisa Hasil Usaha ($)/ Statment of Operating Result ($) ........................................................ 16

2 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 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 ketiga 2015 (JuliSeptember)/3K2015. Sampai dengan triwulan ketiga, Amartha telah menjangkau 6.958 anggota yang merupakan gabungan dari 6 cabang yang Amartha miliki di kabupaten Bogor dan Bandung. Amartha memiliki 5 cabang di kabupaten Bogor yaitu Ciseeng, Jasinga, Kemang, Bojong Gede, dan Tenjo; dan cabang Cangkuang di kabupaten 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 third quarter of 2015 (July-September)/3Q2015. By the end of 3Q2015, Amartha had reached 6.958 members which were spread over 6 branches in Bogor dan Bandung regencies. Amartha has 5 branch offices in Bogor which are Ciseeng, Jasinga, Kemang, Bojong Gede, and Tenjo; and in Bandung Amartha has Cangkuang. 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

JUL’ 15

AUG' 15

SEP’ 15

Jangkuan / Outreach Kantor Cabang / Branch

6

6

6

Desa / Village

170

152

171

Majelis / Gathering

472

476

491

Anggota/ Members

6,743

6,817

6,958

% anggota perempuan / % of women members

100%

100%

100%

Anggota Aktif Pembiayaan/ Active Loan Account

6,518

6,515

6,597

(Akumulatif) Pembiayaan Disalurkan di 2015(Rp)

7,228,050,000

7,707,850,000

9,002,350,000

495,843

528,757

617,559

6,957,886,600

6,339,727,600

6,469,093,600

477,310

434,904

443,779

1,067,488

973,097

980,611

73

67

67

0%

0%

0%

6,112

6,128

6,092

243,951,600

279,913,400

295,085,200

16,735

19,202

20,243

65

65

62

Pembiayaan / Financing

(Accumulated) Financing Disbursed in 2015 ($) Saldo Bruto Portofolio (Rp) Gross Portfolio Outstanding ($) Rata-rata Saldo Portofolio / Anggota (Rp) Average Portfolio Outstanding/ Member ($) Portofolio Beresiko (>30 hari) / Portfolio at Risk (>30 days) Tabungan / Savings Anggota Aktif Menabung / Active Savings Account Saldo Portofolio Tabungan (Rp) Voluntary Savings Portfolio ($) Karyawan / Staff Total Karyawan / Staff $ 1 = Rp 13.037,8 (per 30 March 2015)


Jangkauan Outreach PARAMETER

JUL’ 15

AUG' 15

Kantor Cabang / Branch

SEP’ 15

6

6

6

Desa / Village

170

152

171

Majelis / Gathering

472

476

491

Majelis Baru / New Gathering

4

6

20

Anggota Layanan / Members

6,743

6,817

6,958

107

215

404

Anggota Keluar / Drop-out Members

77

141

263

Pertumbuhan Anggota / Membership Growth

0%

1%

2%

Anggota Baru / New Members

726 anggota baru dan 30 majelis baru 726 new members joined Amartha and 30 new terbentuk selama 3K2015. majelis were formed during 3Q2015. Mayoritas dari 481 anggota keluar selama 3K2015 yang sebagian besar mengundurkan diri karena sudah tidak membutuhkan pembiayaan dari Amartha.

There majority of 481 dropped out members during 3Q2015 largely pulled out their membership as they had no financing need for the time being.

171 desa di Kabupaten Bogor dan Kabupaten Bandung telah menjadi daerah layanan Amartha hingga akhir 3K2015. Angka ini meningkat 74% dari jumlah desa pada kuarter sebelumnya. 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.

171 villages in Bogor Regency and Lebak Regency have become the service area of Amartha by the end of 3Q2015. This number increased by 74% from last quarter. 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.

Pertumbuhan Anggota per Bulan/ Membership Growth per Month 6887

6756

252 Jan

6541

120 Feb

6461

248

74 Mar

6383

Apr

6713

447

183 Mei

Akumulasi/ Acumulated

6743

Jun

107 Jul

Bulanan/ Monthly


6817

6958

404

215 Agus

Sep

Kualitas Portofolio Portfolio Quality PARAMETER

JUL’ 15

AUG' 15

SEP’ 15

0%

0%

0%

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

Portofolio Beresiko. Pada 3K2015, 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 3Q2015 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 (Akumulatif) Pembiayaan Disalurkan in 2015 (Rp) (Accumulated) Financing Disbursed in 2015 ($) Per Bulan (Rp) Per Month ($) (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 ($)

JUL’ 15

AUG' 15

SEP’ 15

7,228,050,000

7,707,850,000

9,002,350,000

495,843

528,757

617,559

348,000,000

479,800,000

1,294,500,000

78,369

126,419

108,463

1,603,687

2,132,444

2,045,024

182

206

130

6,957,886,600

6,339,727,600

6,469,093,600

424,710

486,991

546,765

1,067,488

973,097

980,611

76

86

87

$ 1 = Rp 14,577.3 (per 30 Sep 2015)

Rp. 2.1 milyar adalah pembiayaan yang Rp 2.1 billion was disbursed to 1.075 members disalurkan selama periode July - September 2015 during the period Jjuly to September 2015. kepada 1.075 anggota. Saldo bruto portofolio sebesar Rp 6.4 milyar Gross portfolio outstanding was Rp 6.4 billion atau sebesar Rp 980.611 per anggota pada akhir or amounting to Rp 989.256 per member at the 3K2015. Saldo portfolio menurun sebesar 10% end of 3Q2015. The portfolio size increased by dari kuartal sebelumnya. 10% compared to 3Q2015.


PEMBIAYAAN /FINANCING

JUL’ 15

AUG' 15

SEP’ 15

Cycle 1 (Rp) / ($)

236,400,000.00

/

16,216.99

198,000,000.00

/

13,582.76

552,900,000.00

/

37,928.83

Cycle 2 (Rp) / ($)

37,800,000.00

/

2,593.07

18,700,000.00

/

1,282.82

198,600,000.00

/

13,623.92

Cycle 3 (Rp) / ($)

29,500,000.00

/

2,023.69

89,800,000.00

/

6,160.26

230,400,000.00

/

15,805.40

Cycle 4 (Rp) / ($)

35,800,000.00

/

2,455.87

100,000,000.00

/

6,859.98

202,600,000.00

/

13,898.32

Cycle 5 (Rp) / ($)

8,500,000.00

/

583.10

73,300,000.00

/

5,028.37

93,000,000.00

/

6,379.78

17,000,000.00

/

1,166.20

Cycle 6 (Rp) / ($)

Penyaluran Pembiayaan dalam Setiap Putaran. Selama 3K2015, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1.5 juta, kepada 692 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2.5 juta, kepada 118 anggota; pembiayaan putaran ketiga, yaitu maksimal Rp 3.5 juta, kepada 128 anggota; pembiayaan putaran keempat, yaitu maksimal Rp 4.5 juta, kepada 97 anggota; pembiayaan putaran kelima, yaitu maksimal Rp 5.5 juta, kepada 42 anggota; dan pembiayaan putaran keenam; yaitu maksimal Rp 6.5 juta, kepada 3 anggota.

Financing Disbursement for Each Cycle. Financing has been disbursed in 3Q2015 as follows: first round of financing with a maximum amount of Rp 1.5 million to 692 members; second round of financing with a maximum amount of Rp 2.5 million to 118 members; third round of financing with a maximum amount of Rp 3.5 million to 128 members; fourth round of financing with a maximum amount of Rp 4.5 million to 97 members; the fifth round of financing with a maximum amount of Rp 5.5 million to 42 members; and the sixth round of financing with a maximum amount of Rp. 6.5 million to 3 members.

Sektor Pembiayaan Januari- Maret 2015 Dari seluruh pembiayaan yang dicairkan kepada 1.075 anggota dari Juli hingga September 2015, persebaran sektor pembiayaan adalah sebagai berikut:

Use of Financing January–March 2015 From the total financing disbursed to 1.075 members from July until September 2015, the use of financing is spread over different sectors as follows:

Sektor Pembiayaan / Financing Sectors Jul- Sep 2015 Perdagangan

675

Pendidikan

178

Perumahan

124

Pertanian

43

Lainnya

29

Jasa

10

Industri Rumah Tangga

10

Kesehatan

9


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

JUL’ 15

AUG' 15

SEP’ 15

6,112

6,128

6,092

243,951,600

279,913,400

295,085,200

Voluntary Savings Portfolio ($)

16,735

19,202

20,243

Jumlah Tabungan Masuk (Rp)

61,755,000

119,240,300

118,960,800

4,236

8,180

8,161

106,007,900

83,278,500

103,789,000

Amount of Withdrawn Voluntary Savings ($)

7,272

5,713

7,120

Rata-rata Saldo Tabungan per Anggota (Rp)

39,914

45,678

48,438

Average Voluntary Savings per Member ($)

2.7

3.1

3.3

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

$ 1 = Rp 14,577.3 (per 30 Sep 2015)

Rp 295.08 juta merupakan saldo portofolio tabungan sukarela dari 6,092 anggota yang aktif menabung pada akhir 3K2015. Anggota yang aktif menabung adalah anggota yang menyetorkan tabungan wajib setiap minggunya dan memiliki saldo tabungan sukarela > Rp 0.

RP 295.08 million was the voluntary savings balance from 6,092 members who actively save their money in 3Q2015. Active savings members are those who continue to deposit their mandatory savings every week and have a voluntary saving balance of > Rp 0.

Saldo Tabungan Sukarela / Voluntary Savings Balance 500

Juta/Millions (Rp)

450 400 350

312 268

300

241

250 200 150

141

110

135 122

150

134

133 119

116

100

106 62

119 83

119 104

50 -

Jan

Feb

Mar

Apr

Tabungan Masuk/Deposit

Mei

Jun

Jul

Tabungan Keluar/Withdrawal


Agus

Sep

Produktifitas dan Efisiensi Productivity and Efficiency 726 Anggota baru selama 3K2015. Sedangkan, Number of new members during 3Q2015 was anggota keluar tercatat sebanyak 481. 726 members and 481 members left Amartha. Anggota per Pendamping Lapangan. Rasio pada akhir 3K2015. Rasio ini naik 7% dibandingkan kuartal sebelumnya. Masing-masing pendamping mendampingi sekitar 199 anggota.

Members per Field Officer Ratio as of end of March 2015 increased 7% compare to the previous quarter. One field officer was in charge of 199 members by the end of first quarter.

Portofolio per Pendamping Lapangan. Outstanding portfolio per field officer was Rp Saldo portofolio per pendamping lapangan per 184,83 million with totally 14 groups gathering September 2015 adalah Rp 184,83 juta dengan 14 per field officers employed per Spetember 2015 majelis per pendamping lapangan.

PARAMETER

JUL’ 15

AUG' 15

SEP’ 15

Jangkauan / Outreach Anggota Layanan / Members Majelis / Gathering

6,518

6,515

6,597

472

399

414

Total Karyawan / Staff

65

65

62

Kantor Pusat / Head Office

28

28

27

Kantor Cabang / Branch

37

37

35

Pendamping Lapang / Field Officers

31

31

29

182

184

199

104

105

112

13

13

14

188,050,989.00

171,343,989.00

184,831,246.00

12,900.26

11,754.16

12,679.39

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 14,577.3 (per 30 Sep 2015)

Pengembangan Kapasitas Manusia & Penguatan Institusi Human Capacity and Institutional Building Amartha cukup stabil dalam hal pengelolaan Amartha experienced stable progress in terms manusia. Hal ini berlanjut pada 3K2015. of people management. It continues in the 3Q2015 Pelatihan, Pengembangan, dan Workshop/ Training and Workshop Bulan Juli Agustus September

Judul

Tanggal

Pelatihan Finance: Akuntansi dasar dan penanganan masalah dalam finance -

-


10 Agustus 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 Tenjo pada kuartal 3. Tenjo

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 Tenjo for the 3rd quarter.

Pemeriksaan dan Pembagian Kacamata gratis bagi 200 anggota dan 100 anak anggota yang memiliki keterbatasan penglihatan di wilayah Tenjo. Pemerikasaan ini merupakan sesi lanjutan dari pemeriksaan sebelumnya yang diadakan di Ciseeng.

Free Eyeglasses and Testing to 200 members and 100 children in Tenjo. This event is a continuation from the first one that was being held in Ciseeng.

Literasi Keuangan. Pemahaman finansial sangat penting untuk masyarakat. Program literasi keuangan Program literasi keuangan ini diadakan di cabang Bojong Gede bekerjasama dengan Alliance dan Indosat. 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 Bojong Gede branch office by Alliance and Indosat. 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

Sembako Murah 2015 Pada tanggal 3 dan 10 Juli 2015 Amartha kembali sukses menyelenggaraan program tahunan Sembako Murah Ramadhan untuk kelima kalinya. Program ini dikhususkan untuk anggota pelayanan Amartha, di mana anggota mendapat sembako dengan harga subsidi karena sebagian lagi dibantu oleh individu dan institusi yang ikut berpartisipasi. Di tahun ini Amartha menyalurkan paket Sembako Murah kepada 5,750 anggota

Ramadhan Subsidized Groceries 2015 On 3 and 10 July 2015 we succeeded in holding Ramadhan Cheap Groceries for the fifth time. The program is devoted to Amartha service members, where members pay only half the cost of groceries. This year, we distributed Cheap Groceries to 5.750 members


Laporan Laba Rugi Income Statement 31/07/2015

31/08/2015

30/09/2015

(Rp)

(Rp)

(Rp)

PENDAPATAN Pendapatan pembiayaan Pendapatan dari murabahah

REVENUE

1,606,188,800.00

1,896,963,000.00

2,205,135,700.00

Financing revenue Revenue from murabahah

Pendapatan dari ijarah

198,315,400.00

232,802,500.00

268,522,900.00

Revenue from ijarah

Jasa administrasi

104,309,083.00

113,431,694.00

130,936,585.00

Administration fee

1,908,813,283.00

2,243,197,194.00

2,604,595,185.00

Total

734,262,193.00

870,333,868.00

989,902,274.00

FINANCING EXPENSES

Jumlah BEBAN PEMBIAYAAN BEBAN OPERASIONAL Gaji karyawan

OPERATING EXPENSES 567,871,038.00

656,393,291.00

874,645,751.00

Salaries

Sewa kantor

43,300,676.00

49,091,689.00

54,092,303.00

Office rent

Pajak

37,516,291.00

47,963,318.00

61,861,020.00

Tax

Pemeliharaan

27,252,400.00

31,736,240.00

35,347,740.00

Maintenance

Penyusutan

131,558,153.00

150,896,213.00

170,255,209.00

Depreciation

Umum administrasi

309,483,412.00

347,776,770.00

389,030,516.00

GA

1,116,981,970.00

1,283,857,521.00

1,585,232,538.00

Total

57,569,119.00

89,005,804.00

29,460,373.00

OPERATING RESULT

Jumlah SISA HASIL USAHA OPERASIONAL PENDAPATAN (BEBAN) LAINNYA

OTHER INCOMES (EXPENSES)

Pendapatan lain-Lain

16,876,930.00

19,535,302.00

23,878,612.00

Other incomes

Beban lain-lain

22,289,246.00

26,683,688.00

30,439,004.00

Other expenses

Jumlah

(5,412,316.00)

(7,148,386.00)

(6,560,392.00)

Total

SISA HASIL USAHA BERSIH

52,156,803.00

81,857,418.00

22,899,980.00

NET OPERATING RESULT

Rata-rata pendapatan pembiayaan per bulan The average financing income per month during selama 3K2015 adalah sekitar Rp 294.4 juta. 3Q2015 was approximately Rp 294.4 million, the Jumlah ini mengalami kenaikan sebesar 0.2%. amount increased 0.2%. Rata-rata beban operasional per bulan selama Average operating expenses per month during 3K2015 adalah Rp 212.03 juta. 3Q2015 was Rp 212.03 million. Selama 3K2015, beban gaji mencapai 55.1% dari During 3Q2015, salaries accounted for 55.17% of seluruh beban operasional setiap bulannya. the entire operating expenses per month.


Laporan Neraca Keuangan Balance Sheet 31/07/2015

31/08/2015

30/09/2015

(Rp)

(Rp)

(Rp)

ASET

ASSETS

ASET LANCAR Kas dan setara kas

CURRENT ASSETS 2,371,887,131

2,955,852,072

2,912,439,865

Piutang pembiayaan Murabahah

Cash and cash equivalent Financing receivables

6,137,956,600

5,610,413,600

5,756,077,600

Murabahah

819,930,000

729,314,000

713,016,000

Ijarah

Qardul hasan

24,910,403

36,543,404

37,467,404

Qardul hasan

Beban dibayar dimuka

665,430,568

527,037,775

530,610,129

Prepaid expenses

35,615,400

37,015,400

37,015,400

Inventory

10,055,730,103

9,896,176,251

9,986,626,398

Total current assets

Ijarah

Persediaan barang cetakan Jumlah aset lancar ASET TIDAK LANCAR Aset tetap Akumulasi penyusutan Aset lain-lain Jumlah aset tidak lancer JUMLAH ASET

NON-CURRENT ASSETS 811,344,749

812,024,749

812,554,749

Fixed assets

(359,279,820)

(377,489,546)

(395,720,209)

Accumulated depreciation

34,978,334

33,850,000

32,721,667

Other assets

487,043,263

468,385,203

449,556,207

Total non-current assets

10,542,773,365

10,364,561,454

10,436,182,605

TOTAL ASSETS

LIABILITAS DAN EKUITAS LIABILITAS Simpanan anggota

LIABILITIES 647,769,200

729,600,000

791,508,800

Simpanan berjangka

2,873,348,528

2,758,253,454

2,702,960,725

Term deposits

Utang pembiayaan

5,551,483,821

5,387,506,070

5,383,767,673

Financing payables

Utang leasing

108,439,640

100,477,640

92,515,640

Leasing payables

Utang lain-lain Jumlah liabilitas jangka pendek

295,102,034

292,393,534

428,056,447

Other liabilities

9,476,143,223

9,268,230,698

9,398,809,285

Total short-term liabilities

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

512,089,046

Capital participations

Sisa hasil usaha tahun lalu Sisa hasil usaha tahun berjalan

233,654,294

233,654,294

233,654,294

52,156,803

81,857,418

22,899,980

Last year operating result Current year operating result

1,066,630,142

1,096,330,757

1,037,373,320

Total equity

10,542,773,365

10,364,561,455

10,436,182,605

TOTAL LIABILITIES AND EQUITY

Jumlah ekuitas JUMLAH LIABILITAS DAN EKUITAS


Total aset bernilai Rp 10.4 miliar hingga akhir Total assets were Rp 10.4 billion by the end of 3K2015. Piutang pembiayaan anggota adalah 3Q2015. The members financing receivables sebesar Rp 6.5 miliar atau 65.15% dari total aset. were Rp 6.5 billion or 65.15% of the total assets. Total kewajiban bernilai Rp 9.3 miliar hingga akhir 3K2015, di mana komposisi 57% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 3K2015 adalah Rp 1.03 miliar. Rasio kewajiban per modal adalah 9.

Total liabilities were amounting to Rp 9.3 billion by the end of 3Q2015, of which 57% were in the form of financing received. Meanwhile, the equity at the end of 3Q2015 was Rp 1.03 billion. Debt to equity ratio slightly decreased to 9.

Rencana untuk Kuartal Keempat Tahun 2015 Plan for 4th Quarter Year 2015 Jangkauan

Outreach

Pada kuartal ketiga tahun 2015, Amartha fokus In the third quarter of 2015, Amartha was untuk pemadatan pada wilayah yang sudah focusing on operational improvement and beroperasi. scaling up existing market. Pada kuartal keempat tahun 2015, Amartha akan In the fourth quarter of 2015, Amartha will be tetap fokus untuk pemadatan wilayah dan focusing on scaling up the existing branch offices membuka cabang di wilayah Jawa Barat. and opening new branch offices in West Java.

BULAN/MONTH

TARGET

PEMBIAYAAN BARU / NEW FINANCING

Okt/Oct 2015

400 anggota/members

Rp600,000,000

Nov/Nov 2015

450 anggota/members

Rp675,000,000

Des/Dec 2015

500 anggota/members

Rp750,000,000


Lampiran Appendix

Laporan Posisi Keuangan ($)/ Statment of Financial Position ($) $ 1 = Rp 14,577.3(per 30 Sep 2015) LAPORAN POSISI KEUANGAN

STATEMENTS OF FINANCIAL POSITION 31/07/2015

31/08/2015

30/09/2015

($)

($)

($)

ASET

ASSETS

ASET LANCAR Kas dan setara kas

CURRENT ASSETS 162,711.00

202,770.89

199,792.82

421,062.65

384,873.30

394,865.83

Murabahah

56,247.04

50,030.80

48,912.76

Ijarah

Qardul hasan

1,708.85

2,506.87

2,570.26

Qardul hasan

Beban dibayar dimuka

45,648.41

36,154.69

36,399.75

Prepaid expenses

2,443.21

2,539.25

2,539.25

Inventory

689,821.17

678,875.80

685,080.67

Total current assets

Piutang pembiayaan Murabahah Ijarah

Persediaan barang cetakan Jumlah aset lancar

Financing receivables

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

Cash and cash equivalent

NON-CURRENT ASSETS 55,658.10

55,704.74

55,741.10

Fixed assets

(24,646.53)

(25,895.71)

(27,146.33)

Accumulated depreciation

2,399.51

2,322.10

2,244.70

Other assets

33,411.07

32,131.14

30,839.47

Total non-current assets

723,232.24

711,006.94

715,920.14

TOTAL ASSETS

LIABILITAS DAN EKUITAS LIABILITAS Simpanan anggota

LIABILITIES 44,436.84

50,050.42

54,297.35

Members savings

Simpanan berjangka

197,111.16

189,215.66

185,422.59

Term deposits

Utang pembiayaan

380,830.73

369,581.89

369,325.44

Financing payables

Utang leasing

7,438.94

6,892.75

6,346.56

Leasing payables

Utang lain-lain

20,243.94

20,058.14

29,364.59

Other liabilities

Jumlah liabilitas

650,061.62

635,798.86

644,756.52

Total liabilities

EKUITAS

EQUITY

Simpanan pokok

384.16

384.16

384.16

Primary savings

Simpanan wajib

576.24

576.24

576.24

Mandatory savings

Hibah

17,474.43

17,474.43

17,474.43

Grants

Modal penyertaan

35,129.21

35,129.21

35,129.21

Capital participations

Sisa hasil usaha tahun lalu

16,028.64

16,028.64

16,028.64

3,577.95

5,615.40

1,570.93

Last year operating result Current year operating result

73,170.62

75,208.08

71,163.61

Total equity

723,232.24

711,006.94

715,920.14

TOTAL LIABILITIES AND EQUITY

Sisa hasil usaha tahun berjalan Jumlah ekuitas JUMLAH LIABILITAS DAN EKUITAS


Lampiran Appendix

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

$ 1 = Rp 14,577.3 (per 30 Sep 2015) LAPORAN SISA HASIL USAHA

STATEMENT OF OPERATING RESULT 31/07/15

31/08/15

30/09/15

($)

($)

($)

PENDAPATAN

REVENUE

Pendapatan pembiayaan Pendapatan dari murabahah Pendapatan dari ijarah Pendapatan jasa administrasi Jumlah BEBAN PEMBIAYAAN

Financing revenue 110,184.25

130,131.30

151,271.89

Revenue from murabahah

13,604.40

15,970.21

18,420.62

Revenue from ijarah

7,155.58

7,781.39

8,982.22

Administration service revenue

130,944.23

153,882.90

178,674.73

Total

50,370.25

59,704.74

67,907.11

FINANCING EXPENSES

BEBAN OPERASIONAL Gaji karyawan

OPERATING EXPENSES 38,955.84

45,028.45

60,000.53

Salaries

Sewa kantor

2,970.42

3,367.68

3,710.72

Office rent

Pajak

2,573.61

3,290.27

4,243.65

Tax

Pemeliharaan

1,869.51

2,177.10

2,424.85

Maintenance

Penyusutan

9,024.86

10,351.45

11,679.47

Depreciation

Umum administrasi

21,230.50

23,857.42

26,687.42

General and administration

Jumlah

76,624.75

88,072.38

108,746.65

Total

3,949.23

6,105.78

2,020.98

OPERATING RESULT

SISA HASIL USAHA OPERASIONAL PENDAPATAN (BEBAN) LAINNYA

OTHER INCOMES (EXPENSES)

Pendapatan lain-Lain

1,157.75

1,340.12

1,638.07

Other incomes

Beban lain-lain

1,529.04

1,830.50

2,088.11

Other expenses

Jumlah

(371.28)

(490.38)

(450.04)

Total

SISA HASIL USAHA BERSIH

3,577.95

5,615.40

1,570.93

NET OPERATING RESULT


Koperasi Amartha Indonesia

Head Office Bukit Indraprasta D3/1 Telaga Kahuripan, Parung Kabupaten Bogor 16330 Indonesia P +62 251 861 8111 [email protected] Facebook Amartha Microfinance Twitter @amarthamf Instagram @amarthamf

www.amartha.co.id


3Q2015 Quarterly Report

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