Laporan Progres Kuartal 2 Tahun 2013 April Juni 2013

Laporan Progres Kuartal 2 Tahun 2013│April – Juni 2013 Progress Report Quarter 2 Year 2013│April – June 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 LIPUTAN & ACARA/EXPOSURES & EVENTS .................................................................................. 10 LAPORAN POSISI KEUANGAN (Rp)/STATEMENTS OF FINANCIAL POSITION (Rp) ........................... 12 LAPORAN SISA HASIL USAHA (Rp)/STATEMENTS OF OPERATING RESULT (Rp).............................. 13 RENCANA UNTUK KUARTAL 2 TAHUN 2013/PLAN FOR QURTER 2 YEAR 2013............................... 14 LAMPIRAN /APPENDIX .............................................................................................................. 15 LAPORAN POSISI KEUANGAN ($)/STATEMENTS OF FINANCIAL POSITION ($).................................. 15 LAPORAN SISAHASIL USAHA ($)/STATEMENTS OF OPERATING RESULT ($) ..................................... 16

1 | Laporan Progres Kuartal 2 Tahun 2013/Progress Report Quarter 2 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 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 kedua 2013 (April - Juni)/2K2013. Hingga akhir 2K2013, Amartha telah melayani 3.087 anggota yang merupakan gabungan dari empat cabang yang Amartha miliki di Ciseeng, Jasinga, Bojonggede dan Kemang. Keempatnya berlokasi di 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

APR’ 13

MAY’ 13

JUN’ 13

2 26 175 2,720 100%

3 29 194 2,974 100%

4 31 201 3,087 100%

1,438,100,000 1,981,427,400 200,124.17 728,465.96 73.58 0%

1,823,100,000 2,043,285,800 206,371.87 687,049.70 69.39 0%

2,499,500,000 2,417,048,800 244,121.93 782,976.61 79.08 0%

271,456,000 27,417.06

281,393,400 28,420.73

292,086,200 29,500.71

20

21

24

Jangkuan / Outreach Kantor Cabang / Branch Desa / Village Majelis / Gathering Anggota/ Members % anggota perempuan / % of women members Pembiayaan / Financing Pembiayaan Disalurkan 2013 / 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 $ 1 = Rp 9,900.99 (per 30 June 2013)


Jangkauan Outreach PARAMETER

APR ‘13

MAY ‘13

JUN ‘13

Kantor Cabang / Branch

2

3

4

Desa / Village

26

29

31

Majelis / Gathering

175

194

201

Majelis Baru / New Gathering

6

20

11

Anggota Layanan / Members

2,720

2,974

3,087

Anggota Baru / New Members

118

310

198

Anggota Keluar / Drop-out Members

34

56

85

Pertumbuhan Anggota / Membership Growth

3%

9%

4%

626 anggota baru dan 37 majelis baru 626 new membersand 37 new majelis were terbentuk selama 2K2013. formed during 2Q2013. Mayoritas dari 175 anggota keluar selama 2K2013 mengundurkan diri karena tidak dapat memenuhi standard kehadiran majelis yang telah ditentukan dan disepakati.

The majority of 175 dropped out members during 2Q2013 pulled out their membershipas they had failed to comply with the majelis attendance standard which had been determinedand agreed upon.

31 desa telah menjadi daerah layanan Amartha hingga akhir 2K2013. Masing-masing dari cabang Ciseeng telah melayani 16 desa, cabang Jasinga 11 desa, cabang Bojonggede 2 desa dan cabang Kemang telah melayani 2 desa.

31 villages have become the service areas of Amartha by the end of 2Q2013. Respectively, Ciseeng branch, Jasinga branch, Bojonggede branch, and Kemang branch have served members in 16 villages, 11 villages, 2 villages, and 2 villages.

Pertumbuhan Anggota per Bulan/ Membership Growth per Month

2,459

2,560

2,636

2,720

110

163

103

118

Jan

Feb

Mar

Apr

Akumulasi/Accumulated

2,974

3,087

310

198

Mei

Jun

Bulanan/Monthly


Kualitas Portofolio Portfolio Quality PARAMETER

APR ‘13

MAY‘13

JUN ‘13

0%

0%

0%

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

Portofolio Beresiko. Pada 2K2013, tingkat Portfolio at Risk. In 2Q2013, 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

APR ‘13

MAY ‘13

JUN ‘13

1,438,100,000

1,823,100,000

2,499,500,000

Financing Disbursed ($)

145,248.10

184,133.10

252,449.50

Per Bulan (Rp)

288,900,000

385,000,000

676,400,000

Per Month ($)

29,178.90

38,885.00

68,316.40

Rata-rata Pembiayaan per Anggota (Rp)

1,524,307

1,609,974

1,748,606

153.95

162.61

176.61

1,981,427,400

2,043,285,800

2,417,048,800

200,124.17

206,371.87

244,121.93

763,262

757,614

842,177

77.09

76.52

85.06

Pembiayaan Disalurkan 2013 (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 9,900.99 (per 30 June 2013)

Rp 1,35 milyar adalah pembiayaan yang RPp 1.35 billion was the amount of financing disalurkan selama periode April–Juni 2013 disbursed during the period of April-June 2013 to kepada 962 anggota. 962 members. Saldo bruto portofolio sebesar Rp 2,4 milyar Gross portfolio outstanding was Rp 2.4 billion atau sebesar Rp 842.177 per anggota pada akhir or amounting to Rp 842,177 per member at the 2K2013. end of 2Q2013.


Pembiayaan / Financing 3,000 2,500 Jutaan/Millions (Rp)

2,500 1,823

2,000 1,438

1,500

1,149 799

1,000 500

411

676

388

350

289

385

Feb

Mar

Apr

Mei

411 Jan

Akumulasi/Accumulated

Jun

Bulanan/Monthly

PEMBIAYAAN/FINANCING

APR'13

MAY’13

JUN'13

Cycle 1 (Rp) / ($)

105,900,000 / 10,695.90

192,000,000 / 19,392.00

253,300,000 / 25,583.30

Cycle 2 (Rp) / ($)

97,000,000 / 9,797.00

101,000,000 / 10,201.00

289,600,000 / 29,249.60

Cycle 3 (Rp) / ($)

78,500,000 / 7,928.50

89,000,000 / 8,989.25

127,500,000 / 12,877.50

Cycle 4 (Rp) / ($)

7,500,000 / 757.50

3,000,000 / 303.00

6,000,000/ 606.00

Pembiayaan putaran keempat. Sampai dengan 2K2013, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1 juta, kepada 1,707 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2 juta, kepada 825 anggota; pembiayaan putaran ketiga, yaitu maksimal Rp 3 juta, kepada 332 anggota; dan pembiayaan putaran keempat, yaitu maksimal Rp 4 juta, kepada 6 anggota.

Second and third cycle of financing. As of 2Q2013, Amartha had distributed: the first cycle of financing, a maximum amount of Rp 1 million, to 1,707 members; the second cycle of financing, a maximum amount of Rp 2 million, to 825 members; the third cycle of financing, a maximum amount of Rp 3 million, to 332 members; and the fourth cycle of financing, maximum amount of Rp 4 million to 6 members.

Sektor Pembiayaan Jan – Jun 2013 Dari seluruh pembiayaan yang dicairkan kepada 1.739 anggota dari Januari 2013 hingga Juni 2013, persebaran sektor pembiayaan adalah sebagai berikut:

Sektor Pembiayaan Jan – Jun 2013 From the total financing disbursed to 1,739 members from January 2013 until June 2013, the spread of financing sector is as follows:

Sektor Pembiayaan / Financing Sector Jan - Jun 2013 Perdagangan / Trading

776

Perumahan / Housing

408

Pendidikan / Education

218

Pertanian / Agriculture Aset / Asset Lainnya / Others

142 60 49

Industri Rumah Tangga / Home Industry

36

Jasa / Service

32

Kesehatan / Health

18


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 9,900.99 (per 30 June 2013)

APR ‘13 2,538 271,456,000 27,417.06 111,473,300 11,258.80 94,000,000 9,494.00 106,957 10.80

MEI ‘13 2,740 281,393,400 28,420.73 112,394,300 11,351.82 102,456,900 10,348.15 102,698 10.37

JUN ‘13 2,849 292,086,200 29,500.71 113,428,800 11,456.31 102,736,000 10,376.34 102,522 10.35

Rp 292,1 juta merupakan saldo portofolio tabungan dari 2.849 anggota yang aktif menabung pada akhir 2K2013. Anggota yang aktif menabung adalah anggota yang masih menyetorkan tabungan wajib setiap minggunya. Total tabungan yang masuk selama 2K2013 adalah Rp 337.3 juta, 19% lebih tinggi dibandingkan dengan total tabungan yang masuk selama 2K2013 (Rp 282,8 juta).

RP 292.1 million was the savings balance from 2.849 members who actively save their money as at 2Q2013. Active savings members are those who continue to deposit their mandatory savings every week. Total money deposited during 2Q2013 was Rp 337.3 million, which was 19% higher as compared to the money deposited during 2Q2012 (Rp 282.8 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

292

271

281

17

10

11

Apr

Mei

Jun

214

150 100 50

40 10

18

Jan

Feb

Mar

Tabungan (Akumulasi)

Tabungan(Bulanan)


Produktifitas dan Efisiensi Productivity and Efficiency Anggota baru selama 2K2013 tercatat sebanyak 626 anggota. Angka penumbuhan anggota ini 2 kali lipat lebih tinggi dari 2K2012 yaitu 378 anggota.

The number of new members during 2Q2013 was recorded at 626 members. This member growth figure was 2 times higher than that in 2Q2012 i.e. 378 members.

Anggota per Pendamping Lapangan. Rasio pada Juni 2013 adalah 193 anggota per pendamping lapangan. Rasio ini di bawah Maret 2013 (264 per pendamping lapangan) karena masuknya 7 pendamping lapangan baru yang masih berstatus trainee (belum melakukan pelayanan anggota secara penuh), dan juga 2 cabang baru yang belum melakukan pelayanan anggota secara maksimal.

Members per Field Officer. Ratio in June 2013 was 193 members per field officer. This ratio was slightly below March 2013 (264 per field officer) due to the inclusion of 7 new field officers whose statuses are still trainees (they had not performed a full service to members on their own) and also the 2 new branches which have not performed the service to the members optimally.

Portofolio per Pendamping Lapangan. Portfolio per Field Officer. Saldo portofolio per pendamping lapangan per Outstanding portfolio per field officer was per Juni 2013 adalah Rp 151 juta dengan 16 June 2013 was Rp 151 million with 10field pendamping lapangan. 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

Indikator Kemampuan Mandiri Secara Operasional. Kemandirian secara operasional mencapai 111% pada akhir Juni 2013. Amartha akan terus meningkatkan kemandirian secara operasional setiap bulannya.

APR ‘13

MAY ‘13

JUN ‘13

2,720 175 20 4 16 13

2,974 194 21 4 17 14

3,087 201 24 4 20 16

209

212

193

136

142

129

13

14

13

152,417,492 15,394.17

145,948,986 14,740.85

151,065,550 15,257.62

Operational Self-Sufficiency Indicator. The operational self-sufficiency reached 111% by the end of June 2013. Amartha will continue to improve the operational self-sufficiency at monthly basis.

PARAMETER Rasio Beban Operasional (Beban Op./Rata-rata Saldo Portofolio)

APR ‘13

MAY ‘13

JUN ‘13

3%

3%

3%

138%

122%

111%

Op. Expense Ratio (Operational Expense/Average Portfolio Outstanding) Kemandirian Operasional (Pendapatan/Beban Op.+Beban Pembiayaan) Operational Self-Sufficiency (Income/Op. Expense + Financing Expense) $ 1 = Rp 9,900.99 (per 30 June 2013) 8 | Laporan Progres Kuartal 2 Tahun 2013/Progress Report Quarter 2 Year 2013

Pengembangan Kapasitas Manusia & Penguatan Institusi Human Capacity and Institutional Building Selama 2K2013, Amartha mengikutsertakan During 2Q2013, Amartha engaged the pengurus & karyawannya dalam berbagai management and staff in various trainings, pelatihan, baik yang diselenggarakan oleh pihak conducted both internally and externally. internal maupun eksternal. Tanggal / Date

Lokasi / Location

Peserta / Trainees

Topik / Topic

12 – 13 April 2013

Kantor Pusat / Head Office

Calon Manajer Cabang /Branch Manager Candidates

Pelatihan Manager Cabang /Branch Manager Training

10 May 2013

Bogor, Indonesia

Staf Keuangan & Administrasi / Finance & Administration Staff

Keuangan Akuntansi Syariah oleh STEI Tazkia / Sharia Financing & Accounting by STEI Tazkia

17 – 18 May 2013


Manajer Cabang & Pendamping Lapangan / Branch Manager & Field Officers

Pendidikan Pengelolaan Keuangan oleh Mercy Corps, Micra dan Prudential / Financial Literacy by Mercy Corps, Micra, and Prudential

27-31 May 2013

Bandung, Indonesia

Pengurus / Management

Applied Microfinance Institute 2013: “Practical Skills and Tools for Microfinance” by MicroSave

21 Juni 2013


Pendamping Lapangan / Field Officers

Manajemen Kinerja Sosial / Social Performance Management

Pendidikan Pengelolaan Keuangan oleh Mercy Corps, Micra dan Prudential / Financial Literacy by Mercy Corps, Micra, and Prudential


LIPUTAN & ACARA EXPOSURES & EVENTS Selama 2K2013, Amartha mendapatkan kunjungan dan liputan dari pihak luar dengan tujuan mengenal Amartha lebih jauh. Selain itu, Amartha juga mengikuti dan berkontribusi dalam acara-acara yang berskala nasional maupun internasional

During 2Q2013, Amartha had welcomed many visitors who aimed to get a better understanding about Amartha. Furthermore, Amartha had also attended and contributed in several events at both national and international scale

Tanggal / Date

Lokasi / Location

Acara / Event

Topik / Topic

5-7 Jun 2013

Nay Pyi Taw, Myanmar

World Economic Forum on East Asia 2013

Panellist for session The Triple Bottomline: Investing for Impact

12 Jun 2013

Amartha

Kunjungan PNPM Sleman/Visit by PNPM Sleman

Studi Banding di Amartha/ Study Comparison at Amartha

13 Jun 2013

Amartha

Kunjungan BMT Darussalam Bekasi

Studi Banding di Amartha/ Study Comparison at Amartha

13-14 Jun 2013

Amartha

Tiga 60 Metro TV

Ekonomi Mikro bagi Rakyat Kecil

18 Jun 2013

Amartha

Kunjungan Rural Microfinance Development Center (RMDC) Nepal/Visit by RMDC Nepal

Studi Banding di Amartha/Study Comparison at Amartha

20 Juni 2013

Amartha

Majalah SWA

Liputan Amartha / Amartha Coverage

21 Jun 2013

Jakarta, Indonesia

Presentasi Akhir kepada Bank Indonesia/ Final Presentation to Bank Indonesia

Kajian Kunci Sukses Pembiayaan Mikro/ Research on the Key To Successful Financing Of Microfinance Institutions

25 Jun 2013

Amartha

Seremonial Kerjasama Program CSR Bank Saudara / Bank Saudara CSR Program partnership ceremonial

Kunjungan Pelayanan / Field Visit

27 Jun 2013

Manado, Indonesia

Menghadiri undangan Bank Indonesia / Attending the invitation from Bank Indonesia

Workshop kewirausahaan dan pembinaan UMKM/ Workshop on Enterpreneurship and Fostering SMEs

28 Jun 2013

Jakarta, Indonesia

Talk Show DAAI “Meniti Harapan”

Liputan Amartha / Amartha Coverage


Andi Taufan menjadi panelis dalam Sesi Triple Bottomline: Investing for Impact / Andi Taufan as a panelist in the Triple Bottomline Session: Investing for Impact

Studi Banding dari RMDC Nepal / Study Comparison by RMDC Nepal

Tim dari Metro TV sedang melakukan pengambilan gambar untuk program Tiga 60 / Metro TV team are shooting for Tiga 60 Program


Laporan Posisi Keuangan Statements of Financial Position 30/04/2013 (Rp) ASET ASET LANCAR Kas dan setara kas Piutang pembiayaan Murabahah Ijarah Qardul hasan Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar

31/05/2013 (Rp)

30/06/2013 (Rp)

742,455,850

891,077,075

974,341,754

1,719,906,000 261,372,000 5,983,400 20,028,148 2,499,700 2,752,245,098

1,766,204,000 277,978,000 5,648,800 24,561,333 7,901,200 2,973,370,408

2,081,930,000 335,010,000 6,289,800 13,166,667 10,229,300 3,420,967,521

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

224,648,918 (54,566,387) 67,511,944 237,594,475

226,648,918 (60,133,516) 67,323,889 233,839,291

252,173,918 (65,700,644) 67,135,833 253,609,107

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

JUMLAH ASET

2,989,839,573

3,207,209,699

3,674,576,628

TOTAL ASSETS

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

362,923,300 553,000,000 1,212,792,471 83,181,640 81,650,286 2,293,547,697

378,399,300 653,000,000 1,194,581,354 80,117,640 85,962,052 2,392,060,346

391,624,100 553,000,000 1,729,756,376 77,053,640 92,921,863 2,844,355,980

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 8,400,000 154,730,000 512,089,046 (76,093,148) 91,565,978 696,291,876

5,600,000 8,400,000 254,730,000 512,089,046 (76,093,148) 110,423,455 815,149,353

5,600,000 8,400,000 254,730,000 512,089,046 (76,093,148) 125,494,751 830,220,649

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

2,989,839,573

3,207,209,699

3,674,576,629

TOTAL LIABILITIES AND EQUITY

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

JUMLAH LIABILITAS DAN EKUITAS

Total aset bernilai Rp 3,67 miliar hingga akhir Total assets were Rp 3.67 billion by the end of 2K2013. Piutang pembiayaan anggota adalah 2Q2013. The members financing receivables sebesar Rp 2,4 miliar atau 66% dari total aset. were Rp 2.4 billion or 66% of the total assets. Total kewajiban bernilai Rp 2,8 miliar hingga akhir 2K2013, di mana komposisi 61% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 2K2013 adalah Rp 830 juta. Rasio kewajiban per modal adalah 343%.

Total liabilities were amounting to Rp 2.8 billion by the end of 2Q2013, of which the 61% composition was in the form of financing. Meanwhile, the equity at the end of 2Q2013 was Rp8309 million. Debt to equity ratio was 343%.


Laporan Sisa Hasil Usaha Statements of Operating Result 30/04/2013 (Rp)

31/05/2013 (Rp)

30/06/2013 (Rp)

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

267,246,500 43,458,500 18,575,053

352,502,600 56,854,500 24,750,659

431,514,700 69,676,100 34,020,335

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

Jumlah

329,280,053

434,107,759

535,211,135

Total

BEBAN PEMBIAYAAN

(32,746,665)

(51,314,103)

(74,276,779)

FINANCING EKPENSES

BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pemeliharaan Penyusutan Umum administrasi

(135,354,626) (12,833,333) (2,692,500) (13,759,423) (40,182,528)

(170,049,172) (20,458,331) (3,561,500) (19,514,607) (58,641,591)

(212,646,899) (23,124,998) (4,584,500) (25,269,791) (74,168,416)

OPERATING EKPENSES Salaries Office rent Maintenance Depreciation General and administration

Jumlah

(204,822,410)

(272,225,202)

(339,794,605)

Total

91,710,978

110,568,455

121,139,751

OPERATING RESULT

PENDAPATAN (BEBAN) LAINNYA Pendapatan lain-Lain Beban lain-lain

0 (145,000)

0 (145,000)

4,500,000 (145,000)

OTHER INCOMES (EXPENSES) Other incomes Other expenses

Jumlah

(145,000)

(145,000)

4,355,000

Total

91,565,978

110,423,455

125,494,751

NET OPERTING RESULT

SISA HASIL USAHA OPERASIONAL

SISA HASIL USAHA BERSIH

Rata-rata pendapatan pembiayaan per bulan The average financing income per month during selama 2K2013 adalah sekitar Rp 101 juta. 2Q2013 was approximately Rp 101 million. Rata-rata beban operasional per bulan adalah The average operating expense per month was Rp 66 juta. Rp 66 million. Selama 2K2013, beban gaji mencapai 57% dari During 2Q2013, salaries accounted for 57% of seluruh beban operasional setiap bulannya. the entire operating expenses per month.


Rencana untuk Kuartal 2 Tahun 2013 Plan for Quarter 2 Year 2013 Jangkauan Selama Juli 2013 proses penumbuhan anggota akan berhenti sementara untuk kemudian fokus pada pelaksanaan program Sembako Murah Ramadhan. Pengembangan wilayah baru akan kembali dilaksanakan pada pertengahan Agustus 2013 yang berfokus pada 4 kantor cabang yang sudah beroperasi.

Outreach In July 2013, the process of members recruitment will be halted temporarily as to focus on the Ramadhan Cheap Groceries Programme. The expansion to the new areas will be continued in the mid of August 2013 which will focus on the existing 4 branches which have been operating.

Selanjutnya Amartha akan melakukan survei Next, Amarthais going to conducta survey for the untuk wilayah pelayan cabang ke-5 di September service area for the fifth branch In September 2013. 2013.

BULAN/MONTH July 2013 August 2013 September 2013

TARGET - members 500 members 600 members

PEMBIAYAAN BARU / NEW FINANCING Rp 500,000,000 Rp 600,000,000

Perekrutan dan Penguatan Karyawan dan Manajemen Pada 2K2013, Amartha akan terus memfokuskan perhatian terhadap persiapan kurikulum Management Trainee (MT) dan perekrutan kandidat MT untuk mendukung rencana pengembangan wilayah.

Staff and Management Recruitment and Reinforcement In 2Q2013, Amartha will continue to focus on the curriculum preparation for Management Trainee (MT) and recruitment of MT candidates to support the area expansion plan.

Program Sembako Murah Ramadhan Amartha kembali melaksanakan program Sembako Murah Ramadhan. Program tahunan ini direncanakan untuk memberikan subsidi paket sembako kepada 3.000 anggota Amartha.

Ramadhan Cheap Groceries Programme Amartha is to hold the Ramadhan Cheap Groceries Programme. This annual event is planned to provide subsidised cheap groceries package to 3,000 members of Amartha.


Lampiran Appendix $ 1 = Rp 9,900.99 (per 30 June 2013) LAPORAN POSISI KEUANGAN 30/04/2013 ($) 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

31/05/2013 ($)

STATEMENTS OF FINANCIAL POSITION 30/06/2013 ($) ASSETS CURRENT ASSETS 98,408.52 Cash and cash equivalent Financing receivables 210,274.93 Murabahah 33,836.01 Ijarah 635.27 Qardul hasan 1,329.83 Prepaid expenses 1,033.16 Inventory 345,517.72 Total current assets

74,988.04

89,998.79

173,710.51 26,398.57 604.32 2,022.84 252.47 277,976.76

178,386.61 28,075.78 570.53 2,480.69 798.02 300,310.41

22,689.54 (5,511.21) 6,818.71 23,997.04

22,891.54 (6,073.49) 6,799.71 23,617.77

25,469.57 (6,635.77) 6,780.72 25,614.52

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

301,973.80

323,928.18

371,132.24

TOTAL ASSETS

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

36,655.25 55,853.00 122,492.04 8,401.35 8,246.68 231,648.32

38,218.33 65,953.00 120,652.72 8,091.88 8,682.17 241,598.10

39,554.03 55,853.00 174,705.40 7,782.42 9,385.11 287,279.96

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

565.60 848.40 15,627.73 51,720.99 (7,685.41) 9,248.16 70,325.48

565.60 848.40 25,727.73 51,720.99 (7,685.41) 11,152.77 82,330.09

565.60 848.40 25,727.73 51,720.99 (7,685.41) 12,674.97 83,852.29

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

301,973.80

323,928.18

371,132.24

TOTAL LIABILITIES AND EQUITY

JUMLAH LIABILITASDAN EKUITAS


Lampiran Appendix $ 1 = Rp 9,900.99 (per 30 June 2013) LAPORAN SISA HASIL USAHA 30/04/2013 ($)

31/05/2013 ($)

STATEMENT OF OPERATING RESULT 30/06/2013 ($)

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

26,991.90 4,389.31 1,876.08

35,602.76 5,742.30 2,499.82

43,582.99 7,037.29 3,436.05

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

Jumlah

33,257.29

43,844.88

54,056.33

Total

Beban pembiayaan

(3,307.41)

(5,182.72)

(7,501.95)

Financing expenses

Beban operasional Gaji karyawan Sewa kantor Pemeliharaan Penyusutan Umum administrasi

(13,670.82) (1,296.17) (271.94) (1,389.70) (4,058.44)

(17,174.97) (2,066.29) (359.71) (1,970.98) (5,922.80)

(21,477.34) (2,335.62) (463.03) (2,552.25) (7,491.01)

Operating expenses Salaries Office rent Maintenance Depreciation General and administration

Jumlah

(20,687.06)

(27,494.75)

(34,319.26)

Total

Sisa Hasil Usaha Operasional

9,262.81

11,167.41

12,235.11

Operating result

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

0

0

(14.65)

(14.65)

454.50 (14.65)

Other incomes/(expenses) Other incomes Other expenses

Jumlah

(14.65)

(14.65)

439.86

Total

9,248.16

11,152.77

12,674.97

Net operating result

Sisa hasil usaha bersih


Koperasi Amartha Indonesia

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 2 Tahun 2013 April Juni 2013

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