Laporan Progres Kuartal 3 Tahun 2013 Juli September 2013

Life for Greater Purpose

Laporan Progres Kuartal 3 Tahun 2013 │Juli – September 2013 Progress Report Quarter 3 Year 2013 │July – September 2013

www.amartha.co.id

Daftar Isi Table of Contents

PENDAHULUAN/INTRODUCTION .................................................................................................. 2 RINGKASAN/SUMMARY ............................................................................................................... 3 JANGKAUAN/OUTREACH ............................................................................................................. 4 KUALITAS PORTFOLIO/PORTFOLIO QUALITY ................................................................................. 5 PEMBIAYAAN/FINANCING............................................................................................................ 5 TABUNGAN/SAVINGS .................................................................................................................. 7 CERITA DARI DAMPAK SOSIAL KAMI/STORY OF OUR SOCIAL IMPACT ............................................ 8 PRODUKTIVITAS DAN EFISIENSI/PRODUCTIVITY AND EFFICIENCY ................................................ 10 PENGEMBANGAN KAPASITAS SDM & PENGUATAN INSTITUSI /HUMAN CAPITAL CAPACITY & INSTITUTIONAL BUILDING .......................................................................................................... 11 LIPUTAN & ACARA/EXPOSURES & EVENTS .................................................................................. 12 LAPORAN POSISI KEUANGAN (Rp)/STATEMENTS OF FINANCIAL POSITION (Rp) ........................... 13 LAPORAN SISA HASIL USAHA (Rp)/STATEMENTS OF OPERATING RESULT (Rp).............................. 14 RENCANA UNTUK KUARTAL 4 TAHUN 2013/PLAN FOR QURTER 4 YEAR 2013............................... 15 LAMPIRAN /APPENDIX .............................................................................................................. 16 LAPORAN POSISI KEUANGAN ($)/STATEMENTS OF FINANCIAL POSITION ($).................................. 16 LAPORAN SISAHASIL USAHA ($)/STATEMENTS OF OPERATING RESULT ($) ..................................... 17

1 | Laporan Progres Kuartal 3 Tahun 2013/Progress Report Quarter 3 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 social 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 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 groupbased lending and equipped with voluntary saving product with sharia principle (Islamic Microfinance). Amartha provides financing with a 50 week-tenor using a profit-sharing 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 ketiga 2013 (Juli - September)/3K2013. Hingga akhir 3K2013, Amartha telah menjangkau 3.387 anggota yang merupakan gabungan dari empat cabang yang Amartha miliki di Ciseeng, Jasinga, Bojonggede dan Kemang, 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 third quarter of 2013 (July-September)/3Q2013. By the end of 3Q2013, Amartha had reached 3.387 members which were a consolidation of the four branches established in Ciseeng, Jasinga, Bojonggede, and Kemang, 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

JUL’ 13

AUG’ 13

SEP’ 13

4

4

4

Desa / Village

31

31

35

Majelis / Gathering

205

210

224

Anggota/ Members

3,118

3,184

3,387

% anggota perempuan / % of women members

100%

100%

100%

Pembiayaan / Financing Pembiayaan Disalurkan / Financing Disbursed (Rp)

2,623,450,000

2,700,350,000

3,210,650,000

Saldo Bruto Portofolio (Rp)

2,232,635,800

2,044,250,600

2,182,517,600

194,015.71

177,645.07

189,660.45

751,476

683,925

711,613

62.22

55.79

56.00

0%

0%

0%

Tabungan / Savings Saldo Portofolio Tabungan (Rp)

119,229,900

127,508,400

186,145,600

Voluntary Savings Portfolio ($)

10,361.06

11,080.46

16,176.02

25

27

27

Gross Portfolio Outstanding ($) Rata-rata Saldo Portofolio / Anggota (Rp) Average Portfolio Outstanding/ Member ($) Portofolio Beresiko (>30 hari) / Portfolio at Risk (>30 days)

Karyawan / Staff Total Karyawan / Staff $ 1 = Rp 11,507.5 (per 30 Sep 2013)


Jangkauan Outreach PARAMETER Kantor Cabang / Branch Desa / Village Majelis / Gathering Majelis Baru / New Gathering Anggota Layanan / Members Anggota Baru / New Members Anggota Keluar / Drop-out Members Pertumbuhan Anggota / Membership Growth

JUL ‘13 4 31 205 5 3,118 69 38 1%

AUG ‘13 4 31 210 5 3,184 91 25 2%

SEP ‘13 4 35 224 19 3,387 326 123 6%

486 anggota baru dan 29 majelis baru 486 new members and 29 new majelis were terbentuk selama 3K2013. formed during 3Q2013. Mayoritas dari 186 anggota keluar selama 3K2013 mengundurkan diri karena tidak dapat memenuhi tingkat kehadiran majelis yang telah ditentukan dan disepakati.

The majority of 186 dropped out members during 3Q2013 pulled out their membership as they had failed to comply with the majelis attendance standard which had been determined and agreed upon.

35 desa telah menjadi daerah layanan Amartha hingga akhir 3K2013. Masing-masing dari cabang Ciseeng dan cabang Jasinga telah melayani 17 desa dan 14 desa. Sedangkan cabang Bojonggede dan cabang Kemang, keduanya telah melayani masing-masing 2 desa.

35 villages have become the service areas of Amartha by the end of 3Q2013. Respectively, Ciseeng branch and Jasinga branch have served members in 17 villages and 14 villages. Meanwhile, cabang Bojonggede dan cabang Kemang both have served 2 villages each.

Pertumbuhan Anggota per Bulan/ Membership Growth per Month

2,459

2,560

2,636

2,720

110

163

103

118

Jan

Feb

Mar

Apr

2,974

3,087

3,118

3,184

310

198

69

91

Mei

Jun

Jul

Agus

Akumulasi/Accumulated

Bulanan/Monthly


3,387

326 Sep

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

JUL ‘13 0%

AUG ‘13 0%

SEP ‘13 0%

Portofolio Beresiko. Pada 3K2013, tingkat Portfolio at Risk. In 3Q2013, 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 11,507.5 (per 30 Sep 2013)

JUL ‘13 2,623,450,000 227,977.41 229,550,000 19,947.86 1,766,425 153.50 2,232,635,800 194,015.71 751,476 65.30

AUG ‘13 2,700,350,000 234,660.00 76,900,000 6,682.60 1,781,516 154.81 2,044,250,600 177,645.07 683,925 59.43

SEP‘13 3,210,650,000 279,005.00 510,300,000 44,344.99 1,902,592 165.33 2,182,517,600 189,660.45 711,613 61.84

Rp 816,7 juta adalah pembiayaan yang RP 816,7 million was the amount of financing disalurkan selama periode Juli – September 2013 disbursed during the period July-September kepada 652 anggota. 2013 to 652 members. Saldo bruto portofolio sebesar Rp 2,2 milyar Gross portfolio outstanding was Rp 2.2 billion atau sebesar Rp 711.640 per anggota pada akhir or amounting to Rp 711,640 per member at the 3K2013. end of 3Q2013. 3,500 3,000 Jutaan/Millions (Rp)

3,211

Pembiayaan / Financing 2,500

2,623

2,700

2,500 1,823

2,000 1,438

1,500 1,000 500

1,149 799 411 411

388

676 350

289

385

510 230

77

Jan

Feb Mar Apr Akumulasi/Accumulated

Mei

Jun Jul Bulanan/Monthly


Agus

Sep

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

JUL'13 106,650,000 / 9,267.87 77,900,000 / 6,769.50 43,000,000 / 3,736.69 2,000,000 / 173.80

AUG'13 43,300,000 / 3,762.76 27,600,000 / 2,398.44 6,000,000 / 521.40 -/-

SEP'13 274,900,000 / 23,888.77 139,100,000 / 12,087.77 79,300,000 / 6,891.16 17,000,000 / 1.477,30

Penyaluran Pembiayaan dalam Setiap Putaran. Sampai dengan 3K2013, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1 juta, kepada 1.368 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2 juta, kepada 705 anggota; pembiayaan putaran ketiga, yaitu maksimal Rp 3 juta, kepada 306 anggota; dan pembiayaan putaran keempat, yaitu maksimal Rp 4 juta, kepada 12 anggota.

Financing Disbursement for Each Cycle. Until 3Q2013, Amartha has distributed: the first round of financing, which is a maximum of Rp 1 million, to 1,368 members; second round of financing, which is a maximum of Rp 2 million, to 705 members; third round of financing, which is a maximum of Rp 3 million, to 306 members; and the fourth round of financing, which is a maximum of $ 4 million, to 12 members.

Sektor Pembiayaan Januari – September 2013 Dari seluruh pembiayaan yang dicairkan kepada 2.391 anggota dari Januari 2013 hingga September 2013, persebaran sektor pembiayaan adalah sebagai berikut:

Sektor Pembiayaan January – September 2013 From the total financing disbursed to 2,391 members from January 2013 until September 2013, the spread of financing sector is as follows:

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

1,064

Perumahan / Housing

545

Pendidikan / Education

331

Pertanian / Agriculture

178

Aset / Asset

82

Lainnya / Others

75

Industri Rumah Tangga / Home Industry

38

Jasa / Service

46

Kesehatan / Health

32


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 11,507.5 (per 30 Sep 2013)

JUL ‘13 2,609 119,229,900 10,361.06 82,356,300 7,156.75 255,221,600 22,178.72 45,699 3.97

AUG ‘13 2,818 127,508,400 11,080.46 46,224,800 4,016.93 37,946,300 3,297.53 45,248 3.93

SEP ‘13 3,115 186,145,600 16,176.02 117,760,000 10,233.33 59,122,800 5,137.76 59,758 5.19

Rp 186,1 juta merupakan saldo portofolio tabungan sukarela dari 3.115 anggota yang aktif menabung pada akhir 3K2013. Anggota yang aktif menabung adalah anggota yang menyetorkan tabungan wajib setiap minggunya dan memiliki saldo tabungan sukarela > Rp 0. Total tabungan sukarela yang masuk selama 3K2013 adalah Rp 246,3 juta, 27% lebih rendah dari total tabungan sukarela yang masuk selama 2K2013 (Rp 337,3 juta). Kondisi ini erat kaitannya dengan pengeluaran lebih tinggi selama bulan Ramadhan dan Hari Raya Lebaran yang membuat penyisihan pendapatan untuk tabungan menjadi mengecil.

RP 186,1 million was the voluntary savings balance from 3.115 members who actively save their money as at 3Q2013. Active savings members are those who continue to deposit their mandatory savings every week and have the voluntary savings balance of > Rp 0. Total money deposited during 3Q2013 was Rp 246.3 million, which was 27% lower than the total of voluntary savings deposited during 2Q2013 (Rp 337.3 million). This condition was closely related to the higher expenditures occured during the month of Ramadhan and Hari Raya Idul Fitri which made the provisions for savings had become smaller.

Namun secara rata-rata, saldo tabungan sukarela per anggota meningkat secara signifikan dari Rp 434,32 per anggota pada akhir 3K2012 ke Rp 59.758 per anggota pada akhir 3K2013. Terus meningkatnya tabungan anggota menunjukkan peningkatan pemahaman anggota akan manfaat menabung dan juga menunjukkan peningkatan kepercayaan mereka terhadap Amartha.

However, on average, the balance of voluntary savings per member had increased significantly from Rp 434.32 per member at the end of 3Q2012 to Rp 59,758 per member at the end of 3Q2013. The continuous rise in the members’ savings demonstrates 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

255

Juta/Millions (Rp)

250 200 150 100

95 85

86

111

102 68

94

112 102

113 103

63

118 82 46 38

50

59

Jan

Feb

Mar

Apr

Tabungan Masuk

Mei

Jun

Tabungan Keluar


Jul

Agus

Sep

Cerita dari Dampak Sosial Kami Story of Our Social Impact

Nyai Sugiharti : KONSISTEN MENGELOLA USAHA KELUARGA Oleh Rima Komara

Kemudian pada tahun 2012, Nyai menerima pembiayaan cycle kedua sebesar Rp 1 juta dari Amartha untuk menambah modal bengkel arit nya.

N

yai Sugiharti (44 tahun) baru tiga bulan

ini ditinggal suaminya untuk selamanya. Penyakit yang telah menggerogoti tubuh suaminya selama beberapa tahun memisahkan kebersamaan yang telah terjalin selama lebih dari 25 tahun itu. Tapi wanita paruh baya itu tidak patah semangat dan kehilangan harapan, meski kabut duka masih terlihat jelas diraut wajahnya. Ibu dua anak ini tetap tersenyum dan berusaha fokus mengurus bengkel arit yang telah dijalaninya dengan suaminya.

Sekarang setelah bergabung dengan Amartha selama hampir tiga tahun dan telah mendapatkan pembiayaan ketiga sebesar Rp 2.500.000 usaha bengkel arit Nyai telah memiliki 6 orang karyawan dan mampu memproduksi arit sebanyak 1 kodi setiap harinya. Selain dari bengkel aritnya, Nyai juga membeli arit yang sudah jadi dari bengkel lain untuk kemudian dijual kepada agen langganannya. Hal ini dilakukan karena produksi arit per harinya tidak memenuhi pesanan. Tak banyak harapan Nyai, selain ingin mengembangkan lagi usaha bengkel arit yang menjadi satu-satunya pemasukan bagi keluarganya.

Selalu Semangat Mengikuti Kumpulan Mingguan Nyai mengaku tahu Amartha dari RT. “Saya tahu Amartha dari RT, terus saya ngumpulin ibu-ibu untuk ikut Amartha” ucap Nyai. “Amartha bagus. Saya mah kalau untuk kumpulan tiap minggu hayu, gak ada masalah, yang penting ibuibunya yang lain juga semangat”, sambung Nyai. Selain itu, kumpulan mingguan yang bertempat di rumahnya memberi kesan tersendiri bagi Nyai. “Dengan kumpulan mingguan kan kita jadi bisa silaturahmi, bisa menolong juga. Jadi saling tolong kalau ada anggota lain yang gak punya uang buat bayar angsuran”, kata Nyai dengan senyuman.

Mandiri bersama Amartha

Dari percakapan dengan Nyai, terlihat dengan jelas konsistensi terus mengelola bengkel arit yang “Sebenarnya pesanan selalu banyak. menjadi usaha keluarganya secara Tapi kadang tidak terpenuhi karena turun temurun. Kini, meski suaminya telah meninggal dunia, produksi arit sedikit. Kendalanya Nyai mampu mandiri dan tetap Tak Menyerah Meski karena karyawan yang sedikit jadi melanjutkan usaha bengkel aritnya produksi aritpun menjadi sedikit. Sempat Bangkrut dibantu dengan anaknya. Nyai Bengkel arit yang merupakan usaha Mulai banyak pesaing yang menarik berjuang untuk bertahan meski para karyawan untuk pindah ke turun temurun dari keluarganya beliau menyadari usaha bengkelnya sempat mengalami kebangkrutan 3 bengkel lain,” Nyai menjelaskan. ini telah banyak pesaingnya dan tahun lalu. “Sebelumnya kami punya Selain menjadi sumber pendapatan masih kekurangan karyawan. bagi keluarganya, usaha bengkel tujuh bengkel, tapi karena Nyai ini juga membuka lapangan persaingan usaha yang ketat, kami Nyai merupakan sebuah contoh dari pekerjaan untuk para pemuda mengalami kebangkrutan. Tiga ribuan anggota Amartha lainnya disekitar rumahnya. tahun lalu kami merintis lagi yang memiliki tekad untuk terus bengkel arit ini dari nol” ungkap Dari usaha bengkel aritnya ini Nyai bangkit dan mandiri dengan tidak Nyai. adanya sosok suami atau kepala bisa mendapatkan pendapatan Ketika bengkel aritnya mengalami keluarga. Dan Amartha sebesar Rp 720.ooo. Dari kebangkrutan 3 tahun lalu, semua pendapatan bengkel yang semula Rp berkomitmen untuk terus modal bengkel habis untuk mendukung dan mendampingi 100.000 per minggu sekarang menutupi kerugian dan membayar pemberdayaan wanita-wanita seperti menjadi Rp 1 juta per minggu. gaji karyawan. Nyai memulai lagi Nyai. Dengan penghasilan bengkel yang bengkel arit dari nol pada saat mendapatkan pembiayaan pertama meningkat, Nyai kini dapat menyekolahkan anaknya sampai dari Amartha sebesar Rp 500.000 SMA. pada tahun 2011. 8 | Laporan Progres Kuartal 3 Tahun 2013/Progress Report Quarter 3 Year 2013

Nyai Sugiharti : CONSISTENT IN MANAGING FAMILY BUSINESS By Rima Komara

I

t had been 3 months since Nyai

capable of producing 1 kodi (20 pcs) of sickles every day.

Sugiharti’s (44 years old) husband passed away. The disease which had eatan up her husband’s body for years finally separated their togetherness that had existed for over 25 years. But the middle-aged woman was not discouraged and lost hope, although the fog of grief was still evident on her face. The mother of two keeps smiling and tries to focus on taking care of the sickle workshop business that has been run by husband and her.

Aside from her sickle workshop, Nyai also buys the ready-made sickles from other workshops to be then sold to her regular agent. This is done because her sickle production per day does not meet all orders from her customers. Nyai does not hold too much hope but to further grow her sickle workshop business which serves as the only source of income for her family.

Not Given up Despite Bankruptcy Her sickle workshop, a family business handed down through the generations, had experienced bankruptcy 3 years ago. "Previously, we had 7 workshops, but because of the tight competition, we went bankrupt. Three years ago we built the sickle workshop again from zero", said Nyai. When the sickle workshop business went bankrupt 3 year ago, all workshop’s capital was used up to cover the losses and paid the employees. Nyai’s sickle workshop started again from zero at the time she was getting her first financing from Amartha amounting to Rp 500,000 in 2011. Later in 2012, Nyai received her second financing of Rp 1 million from Amartha to increase the working capital of her sickle workshop. Now after joining Amartha for nearly three years and receiving the third financing of Rp 2,500,000, Nyai’s sickle workshop business has employed 6 persons and is

"Actually, there are always a lot of orders from our customers. But sometimes we cannot meet those orders because of the low capacity of our sickle production. The barrier we face is that we currently do not have enough employees to make enough sickles. Many competitors have also started to attract our previous employees to move to their workshops", Nyai explained. Besides being the source of income for her family, Nyai’s sickle workshop business also opens up employment opportunities for the youth around her house. From this sickle workshop business, Nyai can generate revenue amounting to Rp 720,000. Previously, the workshop could only generate revenue of Rp 100,000 per week. Now it can reach up to Rp 1 million per week. With the increase of workshop revenue, Nyai can now send her children to high school.

Always Excited for the Weekly Gathering Nyai claimed to know Amartha from her RT (neighbourhood association). "I got to know Amartha from the neighbourhood association and


then I gathered other women to join Amartha" said Nyai. "Amartha is good. I have no problem to attend the weekly gathering as long as the other members also have the same spirit," Nyai continued. In addition, the weekly gathering which happens to take place at her house gives another special impression for Nyai. "With the weekly gathering we can maintain the bound and also help others. We can help each other if there is a member who at a moment does not have money to repay the instalment,” said Nyai with a smile.

Independent with Amartha From the conversation with Nyai, the consistency to continuosly manage her sickle workshop which has been the family business for generations, can clearly be seen. Now, even though her husband has passed away, Nyai is capable of being independent and continues to run her sickle workshop business assisted by his son. Nyai strives to survive although she is aware of the tight competition in the sickle workshop business and lacking in number of employees. Nyai is one example of the other thousands of Amartha members who have the determination to continue growing and being independent in the absence of the husband or head of the family. And Amartha is committed to continue supporting assisting the empowerment of women like Nyai.

Produktifitas dan Efisiensi Productivity and Efficiency Anggota baru selama 3K2013 tercatat sebanyak 486 anggota. Angka penumbuhan anggota ini lebih kecil dari kuarter 2K2013 karena Amartha tidak merekrut anggota baru pada bulan Ramadhan.

The number of new members during 3Q2013 was recorded at 486 members. This member growth figure was smaller than that in 2Q2013 In 3Q2012 since Amartha did not recruit any new members during the month of Ramadhan.

Anggota per Pendamping Lapangan. Rasio pada akhir 3K2013 adalah 199 anggota per pendamping lapangan. Rasio ini meningkat 3% dari rasio pada akhir 2K2013 yaitu 193 anggota per pendamping lapangan.

Members per Field Officer. Ratio per 3Q2013 was 199 members per field officer. This ratio increased by 3% from 2Q2013 which was 193 members per field officer.

Portofolio per Pendamping Lapangan. Saldo portofolio per pendamping lapangan per September 2013 adalah Rp 128,4 juta dengan 17 pendamping lapangan.

Portfolio per Field Officer. Outstanding portfolio per field officer was per September 2013 was Rp 128.4 million with 17 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

Indikator Kemampuan Mandiri Secara Operasional. Kemandirian secara operasional pada akhir 3K2013 adalah 106%. Amartha akan terus meningkatkan kemandirian secara operasional setiap bulannya.

JUL ‘13

AUG‘13

SEP ‘13

3,118 205 25 5 20 16

3,184 210 27 5 22 18

3,387 224 27 6 21 17

195

177

199

125

118

125

13

12

13

139,539,738 12,125.98

113,569,478 9,869.17

128,383,388 11,156.50

Operational Self-Sufficiency Indicator. The operational self-sufficiency reached 106% by the end of 3Q2013. Amartha will continue to improve the operational self-sufficiency at monthly basis.

PARAMETER Rasio Beban Operasional (Beban Op./Rata-rata Saldo Portofolio) Kemandirian Operasional (Pendapatan/Beban Op.+Beban Pembiayaan) $ 1 = Rp 11,507.5 (per 30 Sep 2013) 10 | Laporan Progres Kuartal 3 Tahun 2013/Progress Report Quarter 3 Year 2013

JUL ‘13 4%

AUG ‘13 3%

SEP ‘13 4%

118%

102%

106%

Pengembangan Kapasitas Manusia & Penguatan Institusi Human Capacity and Institutional Building Selama 3K2013, Amartha mengikutsertakan During 3Q2013, 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

Pembahasan / Topic

23 Aug 2013

Kantor Pusat / Head Office

Manajer Cabang /Branch Manager

Kepemimpinan/Leadership

14-19 Aug 2013

Frankfurt School of Finance & Management, German

Pengurus / Management

Manajemen Resiko, Pengembangan Produk / Risk Management, Product Development

7 Sep 2013


Staf Baru / New Staff

Pendahuluan Terhadap Keuangan Mikro / Introduction to Microfinance

13 Sep 2013


Manajer Cabang & Pendamping Lapangan / Branch Manager & Field Officers

Kemampuan Penyelesaian Permasalahan di Majelis / Problem-Solving Skill for Issues within Majelis

8-21 Sep 2013

University of Greenwich and Pengurus / Management University of Cambridge, UK

Pelatihan Kemampuan Penyelesaian Permasalahan di Majelis / Problem-Solving Skill Training for Issues within Majelis


Mosaic International Leadership Programme 2013

LIPUTAN & ACARA EXPOSURES & EVENTS Sembako Murah Ramadhan 2013 Pada tanggal 25-27 Juli 2013 Amartha kembali sukses menyelenggaraan program tahunan Sembako Murah Ramadhan untuk ketiga kalinya. Program ini dikhususkan untuk anggota pelayanan Amartha, di mana anggota hanya membayar setengah dari harga pokok sembako. Di tahun ini Amartha menyalurkan paket Sembako Murah kepada 2.905 anggota (naik 62% dari tahun 2012, yaitu 1.789 anggota).

Ramadhan Cheap Groceries 2013 On 25-27 July 2013 Amartha succeeded in holding Ramadhan Cheap Groceries for the third time. The program is devoted to Amartha service members, where members pay only half the cost of groceries. This year, Amartha distributed Cheap Groceries to 2.905 members (increased by 62% from 2012, which was 1,789 members).

Narasumber untuk FDG Bank Indonesia Pada tanggal 24 September 2013, Amartha menjadi narasumber dalam FGD yang diselenggarakan oleh Bank Indonesia. Amartha memaparkan hasil Penelitian Pilot Project Implementasi Kajian Kunci Sukses Pembiayaan Lembaga Keuangan Mikro.

Panelist for FDG with Bank Indonesia On September 24, 2013, Amartha became a panelist in an FGD organized by Bank Indonesia. Amartha presented the results on the Research of Key to Successful Financing of Microfinance Institutions


Laporan Posisi Keuangan Statements of Financial Position 31/07/2013 (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 aset tidak lancar

31/08/2013 (Rp)

30/09/2013 (Rp)

959,628,260

1,172,652,084

1,164,123,261

1,916,618,000 315,916,000 4,756,800 59,625,000 10,229,300 3,266,773,360

1,747,657,000 296,496,000 6,557,600 68,950,000 8,713,800 3,301,026,484

1,868,747,000 313,680,000 5,355,600 66,375,000 8,781,400 3,427,062,261

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

252,313,918 (71,746,210) 66,947,778 247,515,486

323,645,918 (77,964,137) 66,759,722 312,441,503

324,695,918 (85,673,703) 66,759,722 305,781,937

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

JUMLAH ASET

3,514,288,846

3,613,467,987

3,732,844,198

TOTAL ASSETS

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

230,835,800 553,000,000 1,678,484,229 73,989,640 128,046,388 2,664,356,057

247,284,300 528,000,000 1,732,385,991 127,817,640 126,181,095 2,761,669,026

307,475,500 528,000,000 1,830,637,071 123,029,640 84,470,060 2,873,612,271

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 JUMLAH LIABILITAS DAN EKUITAS

5,600,000 8,400,000 254,730,000 512,089,046 (76,093,148) 145,206,891 849,932,789

5,600,000 8,400,000 254,730,000 512,089,046 (76,093,148) 147,073,063 851,798,961

5,600,000 8,400,000 254,730,000 512,089,046 (76,093,148) 154,506,029 859,231,927

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

3,514,288,846

3,613,467,987

3,732,844,198

TOTAL LIABILITIES AND EQUITY

Total aset bernilai Rp 3,7 miliar hingga akhir Total assets were Rp 3.7 billion by the end of 3K2013. Piutang pembiayaan anggota adalah 3Q2013. The members financing receivables sebesar Rp 2,2 miliar atau 58% dari total aset. were Rp 2.2 billion or 58% of the total assets. Total kewajiban bernilai Rp 2,9 miliar hingga akhir 3K2013, di mana komposisi 64% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 3K2013 adalah Rp 859,2 juta. Rasio kewajiban per modal adalah 334%.

Total liabilities were amounting to Rp 2.9 billion by the end of 3Q2013, of which the 64% composition was in the form of financing. Meanwhile, the equity at the end of 3Q2013 was Rp859.2 million. Debt to equity ratio was 334%.


Laporan Sisa Hasil Usaha Statements of Operating Result 31/07/2013 (Rp)

31/08/2013 (Rp)

30/09/2013 (Rp)

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

539,744,800 88,487,700 38,895,550

609,761,600 99,915,200 41,687,878

706,453,300 116,946,300 50,897,224

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

Jumlah

667,128,050

751,364,678

874,296,824

Total

BEBAN PEMBIAYAAN

(97,568,787)

(124,156,712)

(148,031,313)

FINANCING EKPENSES

BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pemeliharaan Penyusutan Umum administrasi

(273,140,869) (33,166,665) (5,296,500) (31,503,413) (85,599,926)

(314,324,301) (34,041,665) (5,879,000) (37,909,396) (92,225,542)

(364,220,483) (36,616,665) (6,828,000) (45,618,962) (122,720,374)

OPERATING EKPENSES Salaries Office rent Maintenance Depreciation General and administration

Jumlah

(428,707,372)

(484,379,903)

(576,004,482)

Total

140,851,891

142,828,063

150,261,029

OPERATING RESULT

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

4,500,000 (145,000)

4,500,000 (255,000)

4,500,000 (255,000)

OTHER INCOMES (EXPENSES) Other incomes Other expenses

Jumlah

4,355,000

4,245,000

4,245,000

Total

145,206,891

147,073,063

154,506,029

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 3K2013 adalah sekitar Rp 107,4 juta. 3Q2013 was approximately Rp 107,4 million. Rata-rata beban operasional per bulan adalah The average operating expense per month was Rp 78,7 juta. Rp 78.7 million. Selama 3K2013, beban gaji mencapai 64,2% dari During 3Q2013, salaries accounted for 64.2% of seluruh beban operasional setiap bulannya. the entire operating expenses per month.


Rencana untuk Kuartal 4 Tahun 2013 Plan for Quarter 4 Year 2013 Jangkauan Selama Oktober 2013, Amartha akan melanjutkan survei untuk wilayah pelayanan cabang ke-5 & 6. Pengembangan wilayah baru dan pemadatan pada wilayah yang sudah dilayani akan terus dilaksanakan untuk 4 kantor cabang yang sudah beroperasi.

BULAN/MONTH Okt/Oct 2013 Nop/Nov 2013 Des/Dec 2013

TARGET 500 anggota/members 500 anggota/members 500 anggota/members

Perekrutan dan Penguatan Karyawan dan Manajemen Pada 4K2013, Amartha akan terus memfokuskan perhatian terhadap peningkatan kemampuan pendamping lapangan dalam hal pelayanan anggota.

Outreach During October 2013, Amartha is going to resume the survey for the service area for the fifth ad sixth branch. The expansion to the new areas and densification current markets will be continued to take place for the existing 4 branches which have been operating.

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

Staff and Management Recruitment and Reinforcement In 4Q2013, Amartha will continue to focus on improving the skills of field officers in terms of member service.

Perekrutan manajer area juga akan dilaksanakan Recruitment of area manager will also be untuk memperkuat pengembangan dan kegiatan implemented to strengthen the development opersional di seluruh cabang. and operational activities in all branches. Managemen dan Tata Kelola Management and Governance Amartha akan relokasi kantor untuk Amartha will relocate to new office to support menyesuaikan sarana kebutuhan organisasi yang the increasing organization’s growth. terus meningkat. Pada 4Q2013 Amartha akan memulai untuk In the 4Q2013 Amartha will start preparing the mempersiapkan rencana bisnis tahun 2014. 2014 business plan. Penguatan permodalan akan terus dilakukan dengan mendorong kemitraan dengan berbagai pihak seperti penanam modal individu, program kemitraan korporasi, dan pinjaman dari bank komersil. Pada 4Q2013, Amartha akan terus membuka kerjasama strategis dengan mitra perbankan dan non-perbankan untuk memperkuat permodalan tahun 2014 sebesar Rp 5 miliar.

Strengthening of capital will continue to be carried out by encouraging partnerships with various stakeholders such as individual investors, corporate partnership programmes, and loans from commercial banks. In 4Q2013, Amartha will continue to open up strategic cooperation with banks and non-banks in order to strengthen the capital requirement in 2014 amounting to Rp 5 billion.


Lampiran Appendix $ 1 = Rp 11,507.5 (per 30 September 2013) LAPORAN POSISI KEUANGAN 31/07/2013 ($) ASET ASET LANCAR Kas dan setara kas 83,391.55 Piutang pembiayaan Murabahah 166,553.81 Ijarah 27,453.05 Qardul hasan 413.37 Beban dibayar dimuka 5,181.40 Persediaan barang cetakan 888.92 Jumlah aset lancar 283,882.11

151,871.13 25,765.46 569.85 5,991.74 757.23 286,858.70

STATEMENTS OF FINANCIAL POSITION 30/09/2013 ($) ASSETS CURRENT ASSETS 101,162.13 Cash and cash equivalent Financing receivables 162,393.83 Murabahah 27,258.74 Ijarah 465.40 Qardul hasan 5,767.98 Prepaid expenses 763.10 Inventory 297,811.19 Total current assets

21,926.04 (6,234.73) 5,817.75 21,509.06

28,124.78 (6,775.07) 5,801.41 27,151.12

28,216.03 (7,445.03) 5,801.41 26,572.40

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

JUMLAH ASET

305,391.17

314,009.82

324,383.59

TOTAL ASSETS

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

20,059.60 48,055.62 145,860.02 6,429.69 11,127.21 231,532.14

21,488.97 45,883.12 150,544.08 11,107.33 10,965.12 239,988.62

26,719.57 45,883.12 159,082.08 10,691.26 7,340.44 249,716.47

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

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

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

31/08/2013 ($)

101,903.29

486.64 729.96 22,136.00 44,500.46 (6,612.48) 12,618.46 73,859.03

486.64 729.96 22,136.00 44,500.46 (6,612.48) 12,780.63 74,021.20

486.64 729.96 22,136.00 44,500.46 (6,612.48) 13,426.55 74,667.12

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

305,391.17

314,009.82

324,383.59

TOTAL LIABILITIES AND EQUITY


Lampiran Appendix $ 1 = Rp 11,507.5 (per 30 September 2013) LAPORAN SISA HASIL USAHA 31/07/2013 ($) PENDAPATAN Pendapatan pembiayaan Pendapatan dari murabahah 53,417.80 Pendapatan dari ijarah 8,741.84 Pendapatan jasa administrasi 3,865.92

STATEMENT OF OPERATING RESULT 31/08/2013 ($)

30/09/2013 ($)

59,502.25 9,734.89 4,108.58

67,904.75 11,214.89 4,908.87

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

Jumlah

66,025.57

73,345.72

84,028.50

Total

BEBAN PEMBIAYAAN

(9,589.69)

(11,900.18)

(13,974.88)

FINANCING EKPENSES

BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pemeliharaan Penyusutan Umum administrasi

(26,959.24) (3,232.39) (529.50) (3,115.02) (8,450.42)

(30,538.07) (3,308.43) (580.11) (3,671.70) (9,026.19)

(34,874.04) (3,532.20) (662.58) (4,341.66) (11,676.18)

OPERATING EKPENSES Salaries Office rent Maintenance Depreciation General and administration

Jumlah

(42,286.57)

(47,124.50)

(55,086.67)

Total

14,149.30

14,321.03

14,966.96

OPERATING RESULT

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

454.50 (14.98)

454.50 (24.54)

454.50 (24.54)

OTHER INCOMES (EXPENSES) Other incomes Other expenses

Jumlah

439.52

429.96

429.96

Total

14,588.82

14,750.99

15,396.92

NET OPERTING RESULT

SISA HASIL USAHA OPERASIONAL

SISA HASIL USAHA BERSIH


Koperasi Amartha Indonesia

Head Office Bukit Indraprasta D3 / No.1 Telaga Kahuripan, Parung Kabupaten Bogor 16330 Indonesia P +6221 7112 0101 [email protected] www.amartha.co.id


Laporan Progres Kuartal 3 Tahun 2013 Juli September 2013

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