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
3 | 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)
4 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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)
5 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 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
6 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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.
7 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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
8 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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
9 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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
11 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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.
12 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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
13 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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
14 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
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
($)
($)
($)
ASET
ASSETS
ASET LANCAR Kas dan setara kas
CURRENT ASSETS 162,711.00
202,770.89
199,792.82
421,062.65
384,873.30
394,865.83
Murabahah
56,247.04
50,030.80
48,912.76
Ijarah
Qardul hasan
1,708.85
2,506.87
2,570.26
Qardul hasan
Beban dibayar dimuka
45,648.41
36,154.69
36,399.75
Prepaid expenses
2,443.21
2,539.25
2,539.25
Inventory
689,821.17
678,875.80
685,080.67
Total current assets
Piutang pembiayaan Murabahah Ijarah
Persediaan barang cetakan Jumlah aset lancar
Financing receivables
ASET TIDAK LANCAR Aset tetap Akumulasi penyusutan Aset lain-lain Jumlah aset tidak lancar JUMLAH ASET
Cash and cash equivalent
NON-CURRENT ASSETS 55,658.10
55,704.74
55,741.10
Fixed assets
(24,646.53)
(25,895.71)
(27,146.33)
Accumulated depreciation
2,399.51
2,322.10
2,244.70
Other assets
33,411.07
32,131.14
30,839.47
Total non-current assets
723,232.24
711,006.94
715,920.14
TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITAS Simpanan anggota
LIABILITIES 44,436.84
50,050.42
54,297.35
Members savings
Simpanan berjangka
197,111.16
189,215.66
185,422.59
Term deposits
Utang pembiayaan
380,830.73
369,581.89
369,325.44
Financing payables
Utang leasing
7,438.94
6,892.75
6,346.56
Leasing payables
Utang lain-lain
20,243.94
20,058.14
29,364.59
Other liabilities
Jumlah liabilitas
650,061.62
635,798.86
644,756.52
Total liabilities
EKUITAS
EQUITY
Simpanan pokok
384.16
384.16
384.16
Primary savings
Simpanan wajib
576.24
576.24
576.24
Mandatory savings
Hibah
17,474.43
17,474.43
17,474.43
Grants
Modal penyertaan
35,129.21
35,129.21
35,129.21
Capital participations
Sisa hasil usaha tahun lalu
16,028.64
16,028.64
16,028.64
3,577.95
5,615.40
1,570.93
Last year operating result Current year operating result
73,170.62
75,208.08
71,163.61
Total equity
723,232.24
711,006.94
715,920.14
TOTAL LIABILITIES AND EQUITY
Sisa hasil usaha tahun berjalan Jumlah ekuitas JUMLAH LIABILITAS DAN EKUITAS
15 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
Lampiran Appendix
Laporan Sisa Hasil Usaha ($)/ 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
16 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015
Koperasi Amartha Indonesia
Head Office Bukit Indraprasta D3/1 Telaga Kahuripan, Parung Kabupaten Bogor 16330 Indonesia P +62 251 861 8111
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www.amartha.co.id
17 | Laporan Progres Kuartal 3 Tahun 2015/Progress Report Quarter 3 Year 2015