Laporan Progres Kuartal 1 Tahun 2013 Januari Maret 2013

Laporan Progres Kuartal 1 Tahun 2013 │Januari – Maret 2013 Progress Report Quarter 1 Year 2013 │Januari – Maret 2013

www.amartha.co.id

Daftar Isi Table of Contents

PEMBUKAAN / INTRODUCTION ........................................................................................................ 2 RINGKASAN / SUMMARY.................................................................................................................. 3 JANGKAUAN / OUTREACH ................................................................................................................ 4 KUALITAS PORTFOLIO / PORTFOLIO QUALITY................................................................................... 5 PEMBIAYAAN / FINANCING .............................................................................................................. 5 TABUNGAN / SAVINGS ..................................................................................................................... 7 PRODUKTIVITAS DAN EFISIENSI / PRODUCTIVITY AND EFFICIENCY .................................................. 8 PENGEMBANGAN KAPASITAS MANUSIA & PENGUATAN INSTITUSI / HUMAN CAPACITY & INSTITUTIONAL BUILDING ................................................................................................................ 9 PENGHARGAAN / ACCOLADE ......................................................................................................... 10 LAPORAN POSISI KEUANGAN (Rp) / STATEMENTS OF FINANCIAL POSITION (Rp) ........................... 11 LAPORAN SISA HASIL USAHA (Rp) / STATEMENTS OF OPERATING RESULT (Rp) ............................. 12 RENCANA UNTUK KUARTAL 2 TAHUN 2013 / PLAN FOR QURTER 2 YEAR 2013 .............................. 13 LAMPIRAN /APPENDIX ................................................................................................................... 14 LAPORAN POSISI KEUANGAN ($) / STATEMENTS OF FINANCIAL POSITION ($) .............................. 14 LAPORAN SISA HASIL USAHA ($) / STATEMENTS OF OPERATING RESULT ($)................................. 15

1 | Laporan Progres Kuartal 1 Tahun 2013/Progress Report Quarter 1 Year 2013

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) which legally operates as Koperasi Amartha Indonesia is a socially oriented enterprise. Amartha’s mission focuses on affordable financial services for the low-income people in remote rural areas, so that they can pursue life with greater purpose. Amartha promotes its social mission in reducing poverty through basic financial literacy and community organising that complement its financial services.

Amartha menerapkan model bisnis pembiayaan kelompok grameen 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 the business model of grameen group-based lending and equipped with voluntary saving product with sharia principle (Islamic Microfinance). Amartha provides financing with a 50 week-tenor using a profitsharing mechanism that is mutually agreed upon. All Amartha members are women. Each group consists of 5 members and then 3 or 4 groups form a majelis (gathering). Members pay instalment every week and are accompanied by Amartha’s field officers. All Amartha members fully understand the collective responsibility principle or shared responsibility principle, in which if there is a member fails to meet her instalment on the weekly meeting, and then it becomes a mutual obligation for her fellow members in the majelis to cover the unpaid instalment.

Laporan ini menyajikan informasi operasional dan keuangan Amartha untuk kuartal pertama 2013 (Januari – Maret)/1K2013. Hingga akhir 1K2013, Amartha telah menjangkau jumlah keanggotaan sebanyak 2.636 anggota yang merupakan gabungan dari dua cabang yang Amartha miliki di Ciseeng dan Jasinga, Kabupaten Bogor. 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 first quarter 2013 (January-March)/12013. By the end of 1Q2013, Amartha had reached 2.636 members in membership which were a consolidation of the two branches established in Ciseeng and Jasinga, Bogor regency. Portfolio at Risk or the level of past due instalments for more than 30 days over Amartha’s total outstanding portfolio had been maintained at 0%.

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 report can be accessed through MIXMarket website (www.mixmarket.org)


Ringkasan Summary

PARAMETER Jangkuan / Outreach Kantor Cabang / Branch Desa / Village Majelis / Gathering Anggota/ Members % anggota perempuan / % of women members Pembiayaan / Financing Pembiayaan Disalurkan / Financing Disbursed (Rp) 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 Saldo Portofolio Tabungan (Rp) Voluntary Savings Portfolio ($) Karyawan / Staff Total Karyawan / Staff

JAN’ 13

FEB’ 13

MAR’ 13

2 22 158 2,459 100%

2 25 166 2,560 100%

2 25 169 2,636 100%

2,930,100,000 1,738,359,600 179,572.59 710,986 73.44 0%

3,318,300,000 1,897,780,000 196,040.72 748,336 77.30 0%

3,668,200,000 2,000,220,400 206,622.81 765,781 79.11 0%

196,861,200 20,335.77

214,410,100 22,148.57

253,982,700 26,236.42

18

17

18

$ 1 = Rp 9,680.54 (per 31 March 2013)


Jangkauan Outreach PARAMETER

JAN ‘13

FEB ‘13

MAR ‘13

Kantor Cabang / Branch Desa / Village

2 22

2 25

2 25

Majelis / Gathering

158

166

169

5 2,459 110 58 2%

9 2,560 163 62 4%

4 2,636 103 27 3%

Majelis Baru / New Gathering Anggota Layanan / Members Anggota Baru / New Members Anggota Keluar / Drop-out Members Pertumbuhan Anggota / Membership Growth

376 anggota baru dan 18 majelis baru 376 new members and 18 new majelis were terbentuk selama 1K2013. formed during 1Q2013. Mayoritas dari 147 anggota keluar selama 1K2013 mengundurkan diri karena tidak dapat memenuhi standard kehadiran majelis yang telah ditentukan dan disepakati.

The majority of 147 dropped out members during 1Q2013 pulled out their membership as they had failed to comply with the majelis attendance standard which had been determined and agreed upon.

25 desa telah menjadi daerah layanan Amartha hingga akhir 1K2013. Masing-masing dari cabang Ciseeng dan cabang Jasinga telah melayani anggota di 19 desa dan 6 Desa.

25 villages have become the service areas of Amartha by the end of 1Q2013. Respectively, Ciseeng branch and Jasinga branch have served members in 19 villages and 6 villages.

Pertumbuhan Anggota per Bulan/ Membership Growth per Month 2,459

2,560

2,636

110

163

103

Jan

Feb

Mar

Akumulasi/Accumulated

Bulanan/Monthly


Kualitas Portofolio Portfolio Quality PARAMETER

JAN ‘13

FEB ‘13

MAR ‘13

0%

0%

0%

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

Portofolio Beresiko. Pada 1K2013, tingkat Portfolio at Risk. In 1Q2013, the level of past keterlambatan pembayaran lebih dari 30 hari due instalments for more than 30 days had been masih dikelola di tingkat 0%. managed 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 majelis. The collective responsibility is exercised whenever member does not attend the meeting without giving any explanation, or due to illness, or when her business is not performing.

Pembiayaan Financing PARAMETER Pembiayaan Disalurkan (Rp) Financing Disbursed ($) Per Bulan (Rp) Per Month ($) Rata-rata Pembiayaan per Anggota (Rp) 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 9,680.54 (per 31 March 2013)

JAN ‘13

FEB ‘13

MAR ‘13

2,930,100,000 302,679.40 411,100,000 42,466.64 1,533,955 158.46 1,738,359,600 179,572.59 710,986 73.44

3,318,300,000 342,780.46 388,200,000 40,101.07 1,416,788 146.35 1,897,780,000 196,040.72 748,336 77.30

3,668,200,000 378,925.14 349,900,000 36,144.68 1,488,936 153.81 2,000,220,400 206,622.81 765,781 79.11

Rp 1,15 milyar adalah pembiayaan yang RP 1.15 billion was the amount of financing disalurkan selama periode Januari – Maret 2013 disbursed during the period January-March 2013 kepada 777 anggota. to 777 members. Saldo bruto portofolio sebesar Rp 2 milyar atau Gross portfolio outstanding was Rp 2 billion or sebesar Rp 756.781 per anggota pada akhir amounting to Rp 756,781 per member at the end 1K2013. of 1K2013.


Pembiayaan / Financing 4,000 3,500

Jutaan/Millions (IDR)

3,000

3,668 3,318 2,930

2,500 2,000 1,500 1,000

500

411

388

350

Jan

Feb

Mar

-

Akumulasi/Accumulated

PEMBIAYAAN/FINANCING Cycle 1 (Rp) / ($) Cycle 2 (Rp) / ($) Cycle 3 (Rp) / ($) Cycle 4 (Rp) / ($)

JAN ‘13

Bulanan/Monthly

FEB ‘13

MAR ‘12

55,400,000 / 12,437.32 73,000,000 / 12,809.20 68,400,000 / 11,404.32 139,700,000 / 14.431.01 207,700,000 / 21,455.41 162,000,000 / 16,734.60 151,000,000 / 15,598.30 52,500,000 / 5,423.25 77,500,000 / 8,005.75 0 4,000,000 / 3,485.06 0

Pembiayaan putaran keempat. Sampai dengan 1K2013, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1 juta, kepada 1,653 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2 juta, kepada 746 anggota; dan pembiayaan putaran ketiga, yaitu maksimal Rp 3 juta, kepada 212 anggota.

Second and third cycle of financing. As of 1Q2013, Amartha had distributed: the first cycle of financing, a maximum amount of Rp 1 million, to 1,653 members; the second cycle of financing, a maximum amount of Rp 2 million, to 746 members; and the third cycle of financing, maximum amount of Rp 3 million to 212 members.

Kemudian di bulan Februari 2013, Amartha Meanwhile in February 2013, Amartha started to beranjak ke pembiayaan keempat dengan plafon distribute the fourth cycle of financing, a maksimum sebesar Rp 4 juta. maximum amount of Rp 4 million.


Tabungan Savings PARAMETER Anggota Aktif Menabung / No. of Active Savings (members) Saldo Portofolio Tabungan (Rp) Voluntary Savings Portfolio ($) Jumlah Tabungan Masuk (Rp) Amount of Deposited Voluntary Savings ($) Jumlah Tabungan Keluar (Rp) Amount of Withdrawn Voluntary Savings ($) Rata-rata Saldo Tabungan per Anggota (Rp) Average Voluntary Savings per Member ($) $ 1 = Rp 9,680.54 (per 31 March 2013)

JAN ‘13

FEB ‘13

MAR ‘13

2,450 196,861,200 20,335.77 95,061,600 9,819.87 85,010,100 8,781.55 80,352 8.30

2,541 214,410,100 22,148.57 85,621,800 8,844.73 68,072,900 7,031.93 84,380 8.72

2,617 253,982,700 26,236.42 102,098,100 10,546.74 62,525,500 6,458.89 97,051 10.03

Rp 253,98 juta merupakan saldo portofolio tabungan dari 2.617 anggota yang aktif menabung pada akhir 1K2013. Anggota yang aktif menabung adalah anggota yang masih menyetorkan tabungan wajib setiap minggunya. Total tabungan yang masuk selama 1K2013 adalah Rp 282,78 juta, 17% lebih tinggi dibandingkan dengan total tabungan yang masuk selama 4K2012 (Rp 241,78 juta).

RP 253.98 million was the savings balance from 2.617 members who actively save their money as at 1Q2013. Active savings members are those who continue to deposit their mandatory savings every week. Total money deposited during 1Q2013 was Rp 282.78 million, which was 17% higher as compared to the money deposited during 4Q2012 (Rp 241.78 million).

Terus meningkatnya tabungan anggota menunjukkan peningkatan pemahaman anggota akan manfaat menabung dan juga menunjukkan peningkatan kepercayaan mereka terhadap Amartha.

Continuous rise in the members’ savings demonstrate an increase in members’ understanding of the benefits of saving and also an increase in their confidence in Amartha.

Saldo Tabungan Sukarela / Voluntary Savings Balance 300 Juta/Millions (Rp)

254 250 200

197

214

150 100 50

40

10

18

Jan

Feb

-

Tabungan (Akumulasi)

Mar Tabungan (Bulanan)


Produktifitas dan Efisiensi Productivity and Efficiency Anggota baru selama 1K2013 tercatat sebanyak 376 anggota. Angka penumbuhan anggota ini 3 kali lipat lebih tinggi dari 1K2012 yaitu 105 anggota.

The number of new members during 1Q2013 was recorded at 376 members. This member growth figure was three times higher than that in 1Q2012 i.e. 105 members.

Anggota per Pendamping Lapangan. Rasio pada Maret 2013 adalah 264 anggota per pendamping lapangan. Rasio ini sedikit di bawah Desember 2012 (301 per pendamping lapangan) karena masuknya 2 pendamping lapangan baru yang masih berstatus trainee (belum melakukan pelayanan anggota secara penuh).

Members per Field Officer. Ratio in March 2013 was 264 members per field officer. This ratio was slightly below December 2012 (301 per field officer) due to the inclusion of 2 new field officers whose statuses are still trainees (they had not performed a full service to members on their own).

Portofolio per Pendamping Lapangan. Saldo portofolio per pendamping lapangan per Maret 2013 adalah Rp 200 juta dengan 10 pendamping lapangan.

Portfolio per Field Officer. Outstanding portfolio per field officer was per March 2013 was Rp 200 million with 10 field officers.

PARAMETER Jangkauan / Outreach Anggota Layanan / Members Majelis / Gathering Total Karyawan / Staff Kantor Pusat / Head Office Kantor Cabang / Branch Pendamping Lapang / Field Officers 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 / Portfolio per Field Officer

JAN ‘13

FEB ‘13

MAR ‘13

2,459 158 18 5 13 9

2,560 166 17 4 13 9

2,636 169 18 4 14 10

273

284

264

137

151

146

18

18

17

Rp 193.151.067/ $ 19,952.51

Rp 210.864.444/ $ 21,782.30

Rp 200.022.040/ $20,662.28

Indikator Kemampuan Mandiri Secara Operasional. Kemandirian secara operasional mencapai 135% pada akhir Maret 2013. Amartha akan terus meningkatkan kemandirian secara operasional setiap bulannya.

Operational Self-Sufficiency Indicator. The operational self-sufficiency reached 135% by the end of March 2013. Amartha will continue to improve the operational self-sufficiency at monthly basis.

PARAMETER Rasio Beban Operasional (Beban Op./Rata-rata Saldo Portofolio) Op. Expense Ratio (Operational Expense/Average Portfolio Outstanding) Kemandirian Operasional (Pendapatan/Beban Op.+Beban Pembiayaan) Operational Self-Sufficiency (Income/Op. Expense + Financing Expense) 8 | Laporan Progres Kuartal 1 Tahun 2013/Progress Report Quarter 1 Year 2013

JAN‘13

FEB ‘13

MAR ‘13

2%

5%

7%

153%

130%

135%

Pengembangan Kapasitas Manusia & Penguatan Institusi Human Capacity and Institutional Building Selama 1K2013, Amartha mengadakan berbagai program yang ditujukan untuk mengembangkan kapasitas individu dan penguatan institusi. Program-program ini diharapkan dapat memperkuat kerjasama tim dan mendorong aktualisasi diri pada setiap individu di dalam Amartha yang berujung kepada kemajuan institusi secara keseluruhan.

During 1Q2013, Amartha held a variety of programs aimed at developing the capacity of individuals and strengthening the institution. These programmes were expected to strengthen teamwork and encourage each individual’s self-actualization in Amartha that led to the advancement of the institution as a whole.

Pada tanggal 28-31 Januari 2013, Amartha On 28-31 January 2013, Amartha conducted an melakukan penguatan institusi yang didukung in-house institutional building supported by oleh MicroSave. MicroSave. Penguatan institusi ini menitikberatkan kepada standarisasi proses pengrekrutan pendamping lapangan dan juga pembuatan modul-modul pelatihan untuk manajer cabang.

This institutional building heavily focused on the standardisation of Amartha’s recruitment process of field officer and on the training modules for branch manager.

Selanjutnya pada tanggal 8-9 Maret 2013, Furthermore on 8-9 March 2013, Amartha Team Amartha mengadakan Team Building di Building in Megamendung, West Java. Megamendung, Jawa Barat. Kemudian pada tanggal 19-20 Maret 2013, kelas pelatihan manajerial diberikan oleh manajemen senior dan manajer cabang senior kepada pendamping lapangan senior sebagai upaya mempersiapkan mereka untuk mengemban tugas sebagai manajer cabang di masa depan. Topik pelatihan ini meliputi topik-topik terkait manajemen lapangan, manajemen karyawan, manajemen cabang, dan manajemen kinerja.

Moreover, on 19-20 March 2013, a managerial training class was provided by the senior management and senior branch managers to the senior field officers as an effort to prepare them to serve as branch managers in the future. The training covered the topics related to field management, employee management, branch management, and performance management.


Penghargaan Accolade Pada tanggal 26 Maret 2013 Amartha, diwakili oleh Ketua, menerima penghargaan dari Top Coffee Anugrah Indonesia Muda BerkArya 2013. Apresiasi ini diberikan untuk menghormati generasi muda Indonesia yang menginspirasi orang lain untuk melakukan perbaikan hidup bagi orang di sekitarnya.

On 26 March 2013, Amartha, represented by the Chairman, received an accolade from Top Coffee Anugrah Indonesia Muda Berkarya 2013. The appreciation was given to honour young Indonesians who inspire others to do life improvement for people surround them.


Laporan Posisi Keuangan Statements of Financial Position 31/01/2013 (Rp) ASET ASET LANCAR Kas dan setara kas Piutang pembiayaan Murabahah Ijarah Qardul hasan Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar ASET TIDAK LANCAR Aset tetap Akumulasi penyusutan Aset lain-lain Jumlah tidak aset lancar JUMLAH ASET

28/02/2013 (Rp)

31/03/2013 (Rp)

149,585,120

310,728,765

270,139,913

1,507,400,000 230,792,000 4,513,940 30,177,120 3,673,500 1,926,141,681

1,658,658,000 238,960,000 6,553,667 26,326,537 3,673,500 2,244,900,469

1,740,154,000 259,910,000 4,319,400 22,475,954 4,273,500 2,301,272,767

ASSETS CURRENT ASSETS Cash and cash equivalent Financing receivables Murabahah Ijarah Qardul hasan Prepaid expenses Inventory Total current assets

113,035,640 (44,538,079) 67,700,000 136,197,561

114,985,640 (47,993,847) 67,700,000 134,691,793

178,902,618 (50,156,448) 67,700,000 196,446,170

NON-CURRENT ASSETS Fixed assets Accumated depreciation Other assets Total non-current assets

2,062,339,241

2,379,592,261

2,497,718,936

TOTAL ASSETS

LIABILITAS DAN EKUITAS LIABILITAS JANGKA PENDEK Simpanan anggota Simpanan berjangka Utang pembiayaan Utang leasing Utang lain-lain Jumlah liabilitas jangka pendek

270,623,800 473,000,000 625,625,000 29,769,640 69,905,629 1,468,924,069

292,140,100 513,000,000 825,625,000 28,397,640 72,050,327 1,731,213,067

337,979,600 513,000,000 825,625,000 71,440,640 80,377,750 1,828,422,990

LIABILITIES AND EQUITY SHORT-TERM LIABILITIES Members savings Term deposits Financing payables Leasing payables Other liabilities Total short-term liabilities

EKUITAS Simpanan pokok Simpanan wajib Hibah Modal penyertaan Sisa hasil usaha tahun lalu Sisa hasil usaha tahun berjalan Jumlah ekuitas

5,600,000 8,400,000 154,730,000 474,204,546 (76,093,148) 26,573,774 593,415,172

5,600,000 8,400,000 154,730,000 512,089,046 (76,093,148) 43,653,296 648,379,194

5,600,000 8,400,000 154,730,000 512,089,046 (76,093,148) 64,570,048 669,295,946

EQUITY Primary savings Mandatory savings Grants Capital participations Last year operating result Current year operating result Total equity

2,062,339,241

2,379,592,261

2,497,718,936

TOTAL LIABILITIES AND EQUITY

JUMLAH LIABILITAS DAN EKUITAS

Total aset bernilai Rp 2,5 miliar hingga akhir Total assets were Rp 2.5 billion by the end of 1K2013. Piutang pembiayaan anggota adalah 1Q2013. The members financing receivables sebesar Rp 2 miliar atau 80% dari total aset. were Rp 2 billion or 80% of the total assets. Total kewajiban bernilai Rp 1,8 miliar hingga akhir 1K2013, di mana komposisi 45% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 1K2013 adalah Rp 669 juta. Rasio kewajiban per modal adalah 273%.

Total liabilities were amounting to Rp 1.8 billion by the end of 1Q2013, of which the 45% composition was in the form of financing. Meanwhile, the equity at the end of 1Q2013 was Rp 669 million. Debt to equity ratio was 273%.


Laporan Sisa Hasil Usaha Statements of Operating Result 31/01/2013 (Rp)

28/02/2013 (Rp)

31/03/2013 (Rp)

Pendapatan Pendapatan pembiayaan Pendapatan dari murabahah Pendapatan dari ijarah Pendapatan jasa administrasi

61,999,300 10,069,200 4,863,755

121,442,500 19,806,300 9,833,410

186,798,100 30,359,400 14,497,439

Revenue Financing revenue Revenue from murabahah Revenue from ijarah Administration service revenue

Jumlah

76,932,255

151,082,210

231,654,939

Total

Beban pembiayaan

(6,315,833)

(15,531,666)

(31,138,361)

Financing expenses

Beban operasional Gaji karyawan Sewa kantor Pemeliharaan Penyusutan Umum administrasi

(31,543,851) (2,333,333) (479,500) (3,543,060) (5,997,904)

(63,639,701) (4,666,667) (1,250,500) (6,998,828) (15,196,552)

(97,817,734) (7,000,000) (1,995,000) (9,161,429) (19,827,367)

Operating expenses Salaries Office rent Maintenance Depreciation General and administration

Jumlah

(43,897,648)

(91,752,248)

(135,801,530)

Total

Sisa Hasil Usaha Operasional

26,709,474

43,798,296

64,715,048

Operating result

Pendapatan (beban) lainnya Pendapatan lain-Lain Beban lain-lain

0 (145,000)

0 (145,000)

0 (145,000)

Other incomes/(expenses) Other incomes Other expenses

Jumlah

(145,000)

(145,000)

(145,000)

Total

26,573,774

43,653,296

64,570,048

Net operating result

Sisa hasil usaha bersih

Rata-rata pendapatan pembiayaan per bulan The average financing income per month during selama 1K2013 adalah sekitar Rp 77 juta. 1Q2013 was approximately Rp 77 million. Rata-rata beban operasional per bulan adalah The average operating expense per month was Rp 45 juta. Rp 45 million. Selama 1K2013, beban gaji mencapai 70% dari seluruh beban operasional setiap bulannya.

During 1Q2013, salaries accounted for 70% of the entire operating expenses per month.


Rencana untuk Kuartal 2 Tahun 2013 Plan for Quarter 2 Year 2013 Jangkauan Cabang ketiga Amartha yang berlokasi di kecamatan Bojonggede akan efektif beroperasi di akhir April 2013.

Outreach Amartha’s third branch which is located in Bojonggede District will effectively operate by end of April 2013.

Selanjutnya Amartha akan melakukan survei untuk wilayah pelayan cabang ke-empat di awal Mei 2013. Cabang keempat diharapkan akan efektif beroperasi di Juli 2013.

Next, Amartha is going to conduct a survey for the service area for the fourth branch at the beginning of May 2013. The forth branch is expected to effectively operate by July 2013.

BULAN/MONTH April 2013 Mei 2013 Juni 2013

TARGET 100 members 250 members 350 members

PEMBIAYAAN BARU / NEW FINANCING Rp 100,000,000 Rp 250,000,000 Rp 350,000,000

Perekrutan dan Penguatan Karyawan dan Manajemen Pada 2K2013, Amartha akan terus memfokuskan perhatian terhadap perekrutaan pendamping lapangan dalam rangka pembukaan cabang kelima di akhir 3K2013. Proses pelatihan karyawan dan manajemen terus dilakukan dengan ikutsertakan pada pelatihan internal maupun eksternal.

Staff and Management Recruitment and Reinforcement In 2Q2013, Amartha will continue to focus on the recruitment of branch managers and field officers in order to open the fifth branch at the end of 3Q2013. The training process for staff and management continue to take place by engaging them in the internal as well as the external training.

Managemen dan Tata Kelola Pengembangan manajemen sistem informasi akan terus dilakukan di 2K2013 untuk mendukung kegiatan pelayanan, pengawasan, dan evaluasi di Amartha.

Management and Governance The development of management information system will continue to be carried out in 2Q2013 to support service, monitoring, and evaluation activities in Amartha.

Kemudian, penguatan permodalan akan terus dilakukan dengan mendorong kemitraan dengan berbagai pihak seperti penanam modal individu, program kemitraan korporasi, dan pinjaman dari bank komersil.

Strengthening of capital requirement will continue to be carried out by encouraging partnerships with various stakeholders such as individual investors, corporate partnership programs, and loans from commercial banks.


Lampiran Appendix $ 1 = Rp 9,680.54 (per 31March 2013) LAPORAN POSISI KEUANGAN

15,452.15

32,098.29

155,714.45 23,840.82 466.29 3,117.30 379.47 198,970.48

171,339.41 24,684.57 676.99 2,719.53 379.47 231,898.27

STATEMENTS OF FINANCIAL POSITION 31/03/2013 ($) ASSETS CURRENT ASSETS 27,905.46 Cash and cash equivalent Financing receivables 179,757.95 Murabahah 26,848.71 Ijarah 446.19 Qardul hasan 2,321.77 Prepaid expenses 441.45 Inventory 237,721.53 Total current assets

11,676.58 (4,600.78) 6,993.41 14,069.21

11,878.02 (4,957.77) 6,993.41 13,913.67

18,480.64 (5,181.16) 6,993.41 20,292.89

NON-CURRENT ASSETS Fixed assets Accumated depreciation Other assets Total non-current assets

213,039.69

245,811.93

258,014.42

TOTAL ASSETS

31/01/2013 ($) ASET ASET LANCAR Kas dan setara kas Piutang pembiayaan Murabahah Ijarah Qardul hasan Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar ASET TIDAK LANCAR Aset tetap Akumulasi penyusutan Aset lain-lain Jumlah tidak aset lancar JUMLAH ASET

28/02/2013 ($)

LIABILITAS DAN EKUITAS LIABILITAS JANGKA PENDEK Simpanan anggota Simpanan berjangka Utang pembiayaan Utang leasing Utang lain-lain Jumlah liabilitas jangka pendek

27,955.44 48,860.91 64,627.08 3,075.20 7,221.25 151,739.89

30,178.08 52,992.91 85,287.08 2,933.48 7,442.80 178,834.35

34,913.30 52,992.91 85,287.08 7,379.82 8,303.02 188,876.14

LIABILITIES AND EQUITY SHORT-TERM LIABILITIES Members savings Term deposits Financing payables Leasing payables Other liabilities Total short-term liabilities

EKUITAS Simpanan pokok Simpanan wajib Hibah Modal penyertaan Sisa hasil usaha tahun lalu Sisa hasil usaha tahun berjalan Jumlah ekuitas

578.48 867.72 15,983.61 48,985.34 (7,860.42) 2,745.07 61,299.80

578.48 867.72 15,983.61 52,898.81 (7,860.42) 4,509.39 66,977.59

578.48 867.72 15,983.61 52,898.81 (7,860.42) 6,670.09 69,138.29

EQUITY Primary savings Mandatory savings Grants Capital participations Last year operating result Current year operating result Total equity

213,039.69

245,811.93

258,014.42

TOTAL LIABILITIES AND EQUITY

JUMLAH LIABILITAS DAN EKUITAS


Lampiran Appendix $ 1 = Rp 9,680.54 (per 31March 2013) LAPORAN SISA HASIL USAHA 31/01/2013 ($)

28/02/2013 ($)

STATEMENT OF OPERATING RESULT 31/03/2013 ($)

Pendapatan Pendapatan pembiayaan Pendapatan dari murabahah Pendapatan dari ijarah Pendapatan jasa administrasi

6,404.53 1,040.15 502.43

12,545.01 2,045.99 1,015.79

19,296.25 3,136.13 1,497.59

Revenue Financing revenue Revenue from murabahah Revenue from ijarah Administration service revenue

Jumlah

7,947.10

15,606.80

23,929.96

Total

Beban pembiayaan

(652.43)

(1,604.42)

(3,216.59)

Financing expenses

Beban operasional Gaji karyawan Sewa kantor Pemeliharaan Penyusutan Umum administrasi

(3,258.48) (241.03) (49.53) (366.00) (619.58)

(6,573.98) (482.07) (129.18) (722.98) (1,569.80)

(10,104.57) (723.10) (206.08) (946.38) (2,048.17)

Operating expenses Salaries Office rent Maintenance Depreciation General and administration

Jumlah

(4,534.63)

(9,478.01)

(14,028.30)

Total

Sisa Hasil Usaha Operasional

2,760.05

4,524.36

6,685.07

Operating result

Pendapatan (beban) lainnya Pendapatan lain-Lain Beban lain-lain

0 (14.98)

0 (14.98)

0 (14.98)

Other incomes/(expenses) Other incomes Other expenses

Jumlah

(14.98)

(14.98)

(14.98)

Total

2,745.07

4,509.39

6,670.09

Net operating result

Sisa hasil usaha bersih


Koperasi Amartha Indonesia

Bogor office Bukit Indraprasta D3 / No.19 Telaga Kahuripan, Parung Kabupaten Bogor 16330 Indonesia P +6221 7112 0101 [email protected] www.amartha.co.id


Laporan Progres Kuartal 1 Tahun 2013 Januari Maret 2013

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