4Q2014 Quarterly Report

Laporan Progres Kuartal ke 4 Tahun 2014 │Oktober – Desember 2014

life for greater purpose

Laporan Kuartal 4Q2014/ 4Q2014 Quarterly Report

www.amartha.co.id

Daftar Isi Table of Contents

Contents Daftar Isi/ Table of 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 / Human Capacity and Institutional Building ..................................................................................................................................... 10 Laporan Posisi Keuangan/ Statement of Financial Position .......................................................... 11 Laporan Sisa Hasil Usaha/ Statement of Operating Result ........................................................... 12 Rencana untuk Kuartal 1 Tahun 2015/ Plan for Quartal 1 Year 2015 ............................................ 13 Laporan Posisi Keuangan ($)/ Statment of Financial Position ($) .................................................. 14 Laporan Sisa Hasil Usaha ($)/ Statment of Operating Result ($) ................................................. 15

2 | Laporan Progres Kuartal 4 Tahun 2014/Progress Report Quarter 4 Year 2014

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 lowincome 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 5 anggota dan kemudian 3 atau 4 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 applies a group-based lending and voluntary saving product according to the sharia principles (Islamic Microfinance). The group-based lending provides financing with a 50 week-tenor using a profit-sharing mechanism that is mutually agreed upon. All Amartha members are women. Five members form a group and then three to four 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 keempat 2014 (Oktober–Desember)/4K2014. Hingga akhir 4K2014, Amartha telah menjangkau 6.763 anggota yang merupakan gabungan dari 5 cabang yang Amartha miliki di Ciseeng, Jasinga, Bojonggede, Kemang, dan Tenjo, Kabupaten Bogor. Tingkat Portofolio Beresiko atau tingkat keterlambatan pembayaran di atas 30 hari terhadap seluruh portofolio pembiayaan Amartha dapat dikelola pada angka 0.001%. Pertumbuhan Amartha di kuartal ketiga ini dipengaruhi pada saat libur Idul Fitri.

This report presents Amartha’s operational and financial information for the fourth quarter of 2014 (October-December)/4Q2014. By the end of 4Q2014, Amartha had reached 6.763 members which were spread over 5 branches established in Ciseeng, Jasinga, Bojong Gede, Kemang and Tenjo in Bogor regency. Portfolio at Risk for more than 30 days of Amartha’s total outstanding portfolio had been maintained at a 0.001%. Amartha’s growth was expectedly affected in the third quarter by the Ramadan holiday.

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


Ringkasan Summary PARAMETER

OKT’ 14

NOV’ 14

DES’ 14

Jangkuan / Outreach Kantor Cabang / Branch

5

5

5

67

67

67

418

437

474

6.083

6.211

6.763

1

1

1

5.616

5.857

6.520

7.000.194.000

8.017.994.000

9.835.494.000

564.218

646.253

792.744

4.275.236.000

4.589.656.000

5.557.510.000

Gross Portfolio Outstanding ($)

344.585

344.585

344.585

Rata-rata Saldo Portofolio / Anggota (Rp)

761.260

783.619

852.376

61

63

69

0,53%

0,06%

0,00%

6.083

6.211

6.822

257.940.700

262.974.900

303.089.600

20.790

21.196

24.429

62

64

65

Desa / Village Majelis / Gathering Groups Anggota/ Members % anggota perempuan / % of women members Pembiayaan / Financing Anggota Aktif Pembiayaan/ Active Loan Account (Akumulatif) Pembiayaan Disalurkan di 2014 (Rp) (Accumulated) Financing Disbursed in 2014 ($) Saldo Bruto Portofolio (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 12,406.90 (per 30 Desember 2014)


Jangkauan Outreach PARAMETER

OKT’ 14

NOV’ 14

Kantor Cabang / Branch

DES’ 14

5

5

5

67

70

87

418

437

474

4

19

37

6.083

6.211

6.763

Anggota Baru / New Members

269

280

723

Anggota Keluar / Drop-out Members

156

152

171

Pertumbuhan Anggota / Membership Growth

2%

2%

9%

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

1272 anggota baru dan 60 majelis baru 1272 new members joined Amartha and 60 new terbentuk selama 4K2014. majelis were formed during 4Q2014. Mayoritas dari 479 anggota keluar selama 4K2014 yang sebagian besar mengundurkan diri karena tidak dapat memenuhi tingkat kehadiran majelis yang telah ditentukan dan disepakati.

There majority of 479 dropped out members during 4Q2014 largely pulled out their membership as they had no financing need for the time being.

87 desa tersebar di 13 kecamatan di Kabupaten Bogor dan Kabupaten Lebak telah menjadi daerah layanan Amartha hingga akhir 4K2014. 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.

87 villages across 13 districts in Bogor Regency and Lebak Regency have become the service area of Amartha by the end of 4Q2014. 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

4,761

5,111

5,486

6,763

5,757

5,944

5,953

5,941

5,921

5,970

6,083

6,211

475

410

437

327

273

142

10

84

243

269

280

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Agus

Sep

Okt

Nop

Akumulasi/ Accumulated

Bulanan/ Monthly


723

Des

Kualitas Portofolio Portfolio Quality PARAMETER

OKT’ 14

NOV’ 14

DES’ 14

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

0,53%

0,06%

0,001%

Portofolio Beresiko. Pada 4K2014, tingkat Portfolio at Risk, which represents the level of keterlambatan pembayaran lebih dari 30 hari past due installments for more than 30 days had masih dikelola di tingkat 0.001%. been on an excellent level in 4Q2014 at 0.001%. 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 2014 (Rp) (Accumulated) Financing Disbursed in 2014 ($)

OKT’ 14

NOV’ 14

7.000.194.000

DES’ 14

8.017.994.000

9.835.494.000

564.218

646.253

792.744

Per Bulan (Rp)

1.102.300.000

1.017.800.000

1.817.500.000

Per Month ($)

88.846

81.890

141.550

1.711.646

1.754.828

1.661.335

(Bulanan) Rata-rata Pembiayaan per Anggota (Rp) (Monthly) Average Financing Disbursed per Member ($)

138

138

138

4.275.236.000

4.589.656.000

5.557.510.000

Gross Portfolio Outstanding ($)

344.585

139.078

448.250

Rata-rata Saldo Portofolio per Anggota (Rp)

761.260

294.027

852.376

61

24

69

Saldo Bruto Portofolio (Rp)

Average Portfolio Outstanding per Member ($) $ 1 = Rp 12,406.90 (per 30 Desember 2014)

Rp 4 milyar adalah pembiayaan yang disalurkan Rp 4 billion was disbursed to 2.318 members selama periode Oktober–Desember 2014 kepada during the period October to December 2014. 2.318 anggota. Rp 5.5 milyar adalah piutang pembiayaan pada Gross portfolio outstanding was Rp 5.5 billion akhir periode atau sebesar Rp 852,376 per or amounting to Rp 852,376 per member at the anggota pada akhir 3K2014. Saldo portfolio end of 4Q2014. The portfolio size increased by meningkat 40.5% dari kuartal sebelumnya. 40.5% compared to 3Q2014.


PEMBIAYAAN/FINANCING

OKT’ 14

NOV’ 14

DES’ 14

Cycle 1 (Rp) / ($)

277.600.000/ 22.375

251.000.000/ 20.231

561.100.000/ 45.225

Cycle 2 (Rp) / ($)

249.600.000/ 20.118

366.200.000/ 29.371

693.700.000/ 50.972

Cycle 3 (Rp) / ($)

416.000.000/ 33.530

199.000.000/ 16.039

227.300.000/ 18.320

Cycle 4 (Rp) / ($)

133600000/ 10.768

175.300.000/ 14.129

155.300.000/ 12.517

Cycle 5 (Rp) / ($)

255.000.00/ 2.055

26.300.000/ 2.120

180.100.000/ 14.516

Penyaluran Pembiayaan dalam Setiap Putaran. Selama 4K2014, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1 juta, kepada 1.109 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2 juta, kepada 693 anggota; pembiayaan putaran ketiga, yaitu maksimal Rp 3 juta, kepada 321 anggota; pembiayaan putaran keempat, yaitu maksimal Rp 4 juta, kepada 140 anggota; dan pembiayaan putaran kelima, yaitu maksimal Rp 5 juta, kepada 55 anggota.

Financing Disbursement for Each Cycle. Financing has been disbursed in 4Q2014 as follows: first round of financing with a maximum amount of Rp 1 million to 1.109 members; second round of financing with a maximum amount of Rp 2 million to 693 members; third round of financing with a maximum amount of Rp 3 million to 321 members; fourth round of financing with a maximum amount of Rp 4 million to 140 members; and the fifth round of financing with a maximum amount of Rp 5 million to 55 members.

Sektor Pembiayaan Oktober - Desember 2014 Dari seluruh pembiayaan yang dicairkan kepada 2.318 anggota dari Oktober hingga Desember 2014, persebaran sektor pembiayaan adalah sebagai berikut:

Use of Financing October – December 2014 From the total financing disbursed to 2.318 members from October until December 2014, the use of financing is spread over different sectors as follows:

Sektor Pembiayaan / Financing Sectors Okt - Des 2014 Perdagangan / Trading

1,370

Perumahan / Housing

450

Pendidikan / Education

293

Jasa / Service

66

Pertanian / Agriculture

58

Lainnya / Others

44

Industri Rumah Tangga / Home Industry

22

Kesehatan / Health

11

Aset / Asset

4


Tabungan Savings PARAMETER

OKT’ 14

Anggota Aktif Menabung / No. of Active Savings (members)

NOV’ 14

DES’ 14

6.083

6.211

6.822

Saldo Portofolio Tabungan (Rp)

257.940.700

262.974.900

303.089.600

Voluntary Savings Portfolio ($)

20.790

21.196

24.429

Jumlah Tabungan Masuk (Rp)

119.577.100

110.148.500

163.191.500

Amount of Deposited Voluntary Savings ($)

9.638

8.878

13.153

102.402.100

105.114.300

123.076.800

Amount of Withdrawn Voluntary Savings ($)

8.254

8.472

9.920

Rata-rata Saldo Tabungan per Anggota (Rp)

42.404

42.340

44.428

Average Voluntary Savings per Member ($)

3

3

Jumlah Tabungan Keluar (Rp)

4

$ 1 = Rp 12,406.9 (per 31 Desember 2014)

Rp 303.09 juta merupakan saldo portofolio tabungan sukarela dari 6,822 anggota yang aktif menabung pada akhir 4K2014. Anggota yang aktif menabung adalah anggota yang menyetorkan tabungan wajib setiap minggunya dan memiliki saldo tabungan sukarela > Rp 0.

RP 303.09 million was the voluntary savings balance from 6,822 members who actively save their money in 4Q2014. 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 -

315

176 137131 140134

122

189 133

174 152

233 199 159 86

Jan

Feb

Mar

Apr

Mei

Tabungan Masuk/Deposit

Jun

Jul

96 85

Agus

105 120102 110105

Sep

Tabungan Keluar/Withdrawal


Okt

Nop

163 123

Des

Produktifitas dan Efisiensi Productivity and Efficiency 1272 Anggota baru tercatat selama 4K2014. 1272 new members recruited during 4Q2014 Sedangkan, anggota keluar tercatat sebanyak and 479 members left Amartha during that 479. duration. 242 Rasio Anggota per Pendamping Lapangan 242 Members per Field Officer Ratio as of pada akhir 4K2014. Rasio ini turun 3% December 2014 decreased 3% compare to the dibandingkan kuartal sebelumnya. previous quarter. Portofolio per Pendamping Lapangan. Outstanding portfolio per field officer was Rp Saldo portofolio per pendamping lapangan per 198.5 million with totally 17 field officers December 2014 adalah Rp 198.5 juta dengan 29 employed per December 2014. pendamping lapangan. PARAMETER

OKT’ 14

NOV’ 14

DES’ 14

Jangkauan / Outreach Anggota Layanan / Members

6.083

6.211

6.763

418

437

474

Total Karyawan / Staff

62

64

65

Kantor Pusat / Head Office

33

34

35

Kantor Cabang / Branch

29

30

30

Pendamping Lapang / Field Officers

28

28

29

217

222

242

98

97

104

15

16

17

152.687.000,00

61.504.214,29

198.481.785,71

12.306,62

4.957,26

15.997,69

Majelis / Gathering Groups

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 / Gathering Groups per Field Officer Portofolio per Pendamping Lapangan (IDR) / Portfolio per Field Officer ($) $ 1 = Rp 12,406.9 (per 31 Desember 2014)

Indikator Kemampuan Mandiri Operasional. Operational Self-Sufficiency Ratio was at 125% Kemandirian secara operasional pada akhir by the end of 4Q2014. Amartha will continue to 4K2014 adalah 125%. Amartha akan terus improve the operational self-sufficiency. meningkatkan kemandirian secara operasional setiap bulannya. PARAMETER Rasio Beban Operasional (Beban Op./Rata-rata Saldo Portofolio)

OKT’ 14

NOV’ 14

DES’ 14

41%

48%

55%

85%

77%

125%

Operating Expense Ratio Kemandirian Operasional (Pendapatan/Beban Op.+Beban Pembiayaan) Operating Self-Sufficiency


Pengembangan Kapasitas Manusia & Penguatan Institusi Human Capacity and Institutional Building Dimulai dari 3K2014; Amartha mengalami perkembangan yang cukup signifikan dalam hal pengelolaan manusia. Hal ini berlanjut pada kuartal 4.

Since the 3Q2014, Amartha experienced significant growth in terms of people management. The improvement continues in the 4Q2014.

Pada 4K2014 Amartha fokus dalam proses During 4K2014, Amartha focuses on the rekrutmen dalam rangka mempersiapkan recruitment process to prepare expansion plan in 2015. rencana eksapansi tahun 2015. Tenaga Kerja/ Employess Karyawan Masuk / Recruited 14

Karyawan Keluar / Resigned 4

November

3

Desember

4

Bulan Oktober

61

Karyawan Dirotasi / Rotated 4

2

62

1

3

63

2

Jumlah Karyawan / Total Employee

Karyawan Dipromosi / Promoted

Aktivitas Rekrutmen/ Recruitment Activities Bulan

Aktifitas

Tanggal

Oktober

Job Fair Depok Town Square

14-Okt-14 - 15-Okt-14

November

Job Fair BTW

11-Nov-14 - 12-Nov-14

Desember

Job Fair Universitas Ibn Khaldun

16-Des-14 - 18-Des-14

Bulan

Head Office

Operations Diterima / Hired

Oktober

12

2

November

1

2

Desember

2

4

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

Judul Pengenalan Keuangan Syariah Kemampuan Presentasi

November Desember

Tanggal 14-Des-14 15-Okt-14 - 16-Okt-14

Prinsip Pembiayaan Kelompok dan Individu

20-Okt-14 - 23-Okt-14

Operasional dan Administrasi LKM

10-Nov-14 - 14-Nov-14

-


Laporan Posisi Keuangan Statements of Financial Position

ASET ASET LANCAR Kas dan setara kas Piutang pembiayaan Murabahah Ijarah Qardul hasan Beban dibayar dimuka

31/10/2014

31/11/2014

30/12/2014

(Rp)

(Rp)

(Rp)

1.268.354.146

2.722.295.741

2.713.714.017

3.715.638.000 568.362.000 47.493.608 146.810.546

4.046.454.000 543.202.000 50.045.512 245.216.554

4.986.184.000 571.326.000 53.163.821 250.675.622

ASSETS CURRENT ASSETS Cash and cash equivalent Financing receivables Murabahah Ijarah Qardul hasan Prepaid expenses

23.765.400

35.615.400

35.615.400

Inventory

Jumlah aset lancar

5.770.423.700

7.642.829.208

8.610.678.860

Total current assets

ASET TIDAK LANCAR Aset tetap Akumulasi penyusutan

741.752.386 (220.877.974)

741.752.386 (236.098.421)

751.579.823 (251.471.769)

NON-CURRENT ASSETS Fixed assets Accumulated depreciation

45.133.333

44.005.000

42.876.667

Other assets

566.007.744

549.658.965

542.984.720

Total non-current assets

JUMLAH ASET

6.336.431.444

8.192.488.173

9.153.663.580

TOTAL ASSETS

LIABILITAS DAN EKUITAS LIABILITAS JANGKA PENDEK Simpanan anggota Simpanan berjangka Utang pembiayaan Utang leasing

520.333.000 1.315.292.500 3.139.181.655 187.217.640

528.221.200 1.315.292.500 5.059.729.377 178.357.640

568.442.900 2.520.587.500 4.820.176.154 160.637.640

SHORT-TERM LIABILITIES Members savings Term deposits Financing payables Leasing payables

59.889.442

63.902.088

69.326.047

Other liabilities

5.221.914.237

7.145.502.805

8.139.170.240

Total short-term liabilities

Persediaan barang cetakan

Aset lain-lain Jumlah aset tidak lancar

Utang lain-lain Jumlah liabilitas jangka pendek EKUITAS Simpanan pokok Simpanan wajib Hibah Modal penyertaan Sisa hasil usaha tahun lalu

5.600.000 8.400.000 254.730.000 512.089.046 196.246.940

8.400.000 5.600.000 254.730.000 512.089.046 196.246.940

8.400.000 5.600.000 254.730.000 512.089.046 196.246.941

EQUITY Primary savings Mandatory savings Grants Capital participations Last year operating result

Sisa hasil usaha tahun berjalan

137.451.220

69.919.382

37.427.353

Current year operating result

Jumlah ekuitas

1.114.517.206

1.046.985.368

1.014.493.339

Total equity

JUMLAH LIABILITAS DAN EKUITAS

6.336.431.443

8.192.488.173

9.153.663.580

TOTAL LIABILITIES AND EQUITY

Total aset bernilai Rp 9.1 miliar hingga akhir Total assets were Rp 9.1 billion by the end of 4K2014. Piutang pembiayaan anggota adalah 3Q2014. The members financing receivables sebesar Rp 5.5 miliar atau 60.7% dari total aset. were Rp 5.5 billion or 60.7% of the total assets. Total kewajiban bernilai Rp 8.1 miliar hingga akhir 4K2014, di mana komposisi 59.2% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 4K2014 adalah Rp 1 miliar.

Total liabilities were amounting to Rp 8.1 billion by the end of 4Q2014, of which 59.2% were in the form of financing received. Meanwhile, the equity at the end of 4Q2014 was Rp 1 billion.


Laporan Sisa Hasil Usaha Statements of Operating Result 31/10/2014

31/11/2014

30/12/2014

(Rp)

(Rp)

(Rp)

PENDAPATAN

REVENUE

Pendapatan pembiayaan Pendapatan dari murabahah

Financing revenue 1.706.914.700,00

1.896.524.800,00

2.135.863.600,00

Pendapatan dari ijarah

273.933.100,00

301.195.000,00

332.915.400,00

Revenue from ijarah

Pendapatan jasa administrasi

112.355.264,61

125.918.134,61

152.895.310,61

Administration service revenue

2.093.203.064,61

2.323.637.934,61

2.621.674.310,61

Total

500.374.276,05

544.588.970,78

611.112.505,78

FINANCING EXPENSES

1.149.989.328,80

1.327.050.879,60

1.510.501.728,60

Salaries

Sewa kantor

56.954.166,67

64.341.666,00

71.729.167,33

Office rent

Pajak

21.403.467,00

23.548.563,00

25.693.659,00

Tax

Jumlah BEBAN PEMBIAYAAN BEBAN OPERASIONAL Gaji karyawan

Pemeliharaan

Revenue from murabahah

OPERATING EXPENSES

12.573.800,00

14.376.300,00

16.941.300,00

Maintenance

Penyusutan

124.887.004,18

141.235.784,85

158.634.341,18

Depreciation

Umum administrasi

224.172.220,37

274.369.728,17

326.590.103,17

General and administration

1.589.979.987,03

1.844.922.921,63

2.110.090.299,29

Total

2.848.801,53

(65.873.957,80)

(99.528.494,46)

OPERATING RESULT

Jumlah

SISA HASIL USAHA OPERASIONAL

PENDAPATAN (BEBAN) LAINNYA

OTHER INCOMES (EXPENSES)

Pendapatan lain-Lain

261.037.418,45

262.478.340,45

263.890.847,45

Other incomes

Beban lain-lain

126.435.000,00

126.685.000,00

126.935.000,00

Other expenses

Jumlah

134.602.418,45

135.793.340,45

136.955.847,45

Total

SISA HASIL USAHA BERSIH

137.451.219,98

69.919.382,65

37.427.352,99

NET OPERATING RESULT

Rata-rata pendapatan pembiayaan per bulan The average financing income per month during selama 4K2014 adalah sekitar Rp 258.9 juta. 4Q2014 was approximately Rp 212.5 million and almost unchanged to 2Q2014. Rata-rata beban operasional per bulan selama Average operating expenses per month during 4K2014 adalah Rp 253.4 juta. 4Q2014 was Rp 253.4 million. Selama 4K2014, beban gaji mencapai 69.6% dari During 4Q2014, salaries accounted for 69.6% of seluruh beban operasional setiap bulannya. the entire operating expenses per month.


Rencana untuk Kuartal 1 Tahun 2015 Plan for Quarter 1 Year 2015 Jangkauan Tahun 2015, Amartha akan fokus untuk melakukan ekspansi di wilayah Jawa Barat, yaitu wilayah Banten, Bandung, Sukabumi, dan Karawang.

Outreach 2015 will be focusing to grow Amartha’s business by expanding the business in West Java, e.g. Banten, Bandung, Sukabumi and Karawang.

Pada kuartal pertama tahun 2015, Amartha akan membuka 1 cabang baru di wilayah Bandung dan melanjutkan survei untuk wilayah pelayanan cabang ke-6 & 7 wilayah Bogor. Pengembangan wilayah baru dan pemadatan pada wilayah yang sudah dilayani akan terus dilaksanakan untuk 5 kantor cabang yang sudah beroperasi.

In the first quarter of 2015, Amartha is going to open a branch office in Bandung and continue to expand the sixth and seventh branch in Bogor. The expansion to the new areas and densification of the current markets will be continued to take place for the 5 branches which have been operating.

BULAN/MONTH

TARGET

PEMBIAYAAN BARU / NEW FINANCING

Jan/Jan 2015

475 anggota/members

Rp712.500.000

Feb/Feb 2015

500 anggota/members

Rp750.000.000

Mar/Mar 2015

575 anggota/members

Rp862.500.000

Pengembangan SDM Dalam upaya pengembangan jangkauan, Amartha akan menjalankan program pengembangan manager, Amartha Management Program. Program ini bertujuan untuk membentuk calon manager cabang dari lulusan D3/S1. Fast-track program ini rencana dijalankan pada awal Januari.

People Development In order to support business growth, Amartha will launch management trainee program called Amartha Management Program. The purpose of AMP Program is to develop new branch managers of Amartha from diploma and bachelor degree level. This fast-track program will start in January.

Audit Independent Tahunan Sebagaimana tahun-tahun sebelumnya, Amartha akan melaksanakan audit keuangan dari eksternal. Audit keuangan eksternal akan dijalankan pada bulan Maret.

Annual Independent Audit Amartha will invite external auditor to conduct annual financial audit. Independent audit plans to come in March.


Lampiran Appendix Laporan Posisi Keuangan ($)/ Statment of Financial Position ($) $ 1 = Rp 12.406,9 (per 30 Desember 2014) LAPORAN POSISI KEUANGAN

STATEMENTS OF FINANCIAL POSITION 31/10/2014

31/11/2014

30/12/2014

($)

($)

($)

ASET

ASSETS

ASET LANCAR Kas dan setara kas

CURRENT ASSETS 102.229,74

219.417,88

218.726,19

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

Financing receivables 299.481,58

326.145,45

401.887,98

Murabahah

45.810,15

43.782,25

46.049,05

Ijarah

3.828,00

4.033,68

4.285,02

Qardul hasan

11.832,98

19.764,53

20.204,53

Prepaid expenses

1.915,50

2.870,61

2.870,61

Inventory

465.097,95

616.014,41

694.023,40

Total current assets

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

JUMLAH ASET

Cash and cash equivalent

NON-CURRENT ASSETS 59.785,47

59.785,47

60.577,57

Fixed assets

(17.802,83)

(19.029,61)

(20.268,70)

Accumulated depreciation

3.637,76

3.546,82

3.455,87

Other assets

45.620,40

44.302,68

43.764,74

Total non-current assets

510.718,35

660.317,10

737.788,13

TOTAL ASSETS

LIABILITAS DAN EKUITAS LIABILITAS JANGKA PENDEK Simpanan anggota

SHORT-TERM LIABILITIES 41.939,00

42.574,79

45.816,67

Members savings

Simpanan berjangka

106.012,98

106.012,98

203.160,14

Term deposits

Utang pembiayaan

253.019,02

407.815,76

388.507,70

Financing payables

Utang leasing

15.089,80

14.375,68

12.947,44

Leasing payables

Utang lain-lain

4.827,11

5.150,53

5.587,70

Other liabilities

420.887,91

575.929,75

656.019,65

Total short-term liabilities

Jumlah liabilitas jangka pendek EKUITAS Simpanan pokok Simpanan wajib

EQUITY 451,36

677,04

677,04

Primary savings

677,04

451,36

451,36

Mandatory savings

Hibah

20.531,32

20.531,32

20.531,32

Grants

Modal penyertaan

41.274,54

41.274,54

41.274,54

Capital participations

Sisa hasil usaha tahun lalu

15.817,56

15.817,56

15.817,56

Last year operating result

Sisa hasil usaha tahun berjalan

11.078,61

5.635,52

3.016,66

Current year operating result

Jumlah ekuitas

89.830,43

84.387,35

81.768,48

Total equity

510.718,35

660.317,10

737.788,13

TOTAL LIABILITIES AND EQUITY

JUMLAH LIABILITAS DAN EKUITAS


Lampiran Appendix Laporan Sisa Hasil Usaha ($)/ Statment of Operating Result ($) $ 1 = Rp 12.406,9 (per 30 Desember 2014) LAPORAN SISA HASIL USAHA

STATEMENT OF OPERATING RESULT 31/10/2014

31/11/2014

30/12/2014

($)

($)

($)

PENDAPATAN

REVENUE

Pendapatan pembiayaan Pendapatan dari murabahah

Financing revenue 137.577,86

152.860,49

172.151,27

Revenue from murabahah

22.079,09

24.276,41

26.833,08

Revenue from ijarah

9.055,87

10.149,04

12.323,41

Administration service revenue

168.712,82

187.285,94

211.307,77

Total

40.330,32

43.894,04

49.255,86

FINANCING EXPENSES

92.689,50

106.960,71

121.746,91

Salaries

Sewa kantor

4.590,52

5.185,96

5.781,39

Office rent

Pajak

1.725,13

1.898,02

2.070,92

Tax

Pendapatan dari ijarah Pendapatan jasa administrasi

Jumlah BEBAN PEMBIAYAAN BEBAN OPERASIONAL Gaji karyawan

Pemeliharaan

OPERATING EXPENSES

1.013,45

1.158,73

1.365,47

Maintenance

Penyusutan

10.065,93

11.383,65

12.785,98

Depreciation

Umum administrasi

18.068,35

22.114,29

26.323,26

General and administration

128.152,88

148.701,36

170.073,93

Total

229,61

(5.309,46)

(8.022,03)

OPERATING RESULT

Jumlah SISA HASIL USAHA OPERASIONAL PENDAPATAN (BEBAN) LAINNYA

OTHER INCOMES (EXPENSES)

Pendapatan lain-Lain

21.039,70

21.155,84

21.269,68

Other incomes

Beban lain-lain

10.190,70

10.210,85

10.231,00

Other expenses

Jumlah

31.230,40

31.366,69

31.500,68

Total

SISA HASIL USAHA BERSIH

31.460,01

23.478,66

NET OPERATING RESULT

26.057,22



4Q2014 Quarterly Report

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