Laporan Progres Kuartal ke 1 Tahun 2014 Januari Maret 2014 Progress Report Quarter 1 Year 2014 January March 2014

Laporan Progres Kuartal ke 1 Tahun 2014 │Januari – Maret 2014 Progress Report Quarter 1 Year 2014 │January – March 2014

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 PENGHARGAAN/AWARDS .......................................................................................................... 15 LAPORAN POSISI KEUANGAN (Rp)/STATEMENTS OF FINANCIAL POSITION (Rp) ........................... 16 LAPORAN SISA HASIL USAHA (Rp)/STATEMENTS OF OPERATING RESULT (Rp).............................. 17 RENCANA UNTUK KUARTAL 2 TAHUN 2014/PLAN FOR QURTER 2 YEAR 2014............................... 18 LAMPIRAN /APPENDIX .............................................................................................................. 19 LAPORAN POSISI KEUANGAN ($)/STATEMENTS OF FINANCIAL POSITION ($).................................. 19 LAPORAN SISAHASIL USAHA ($)/STATEMENTS OF OPERATING RESULT ($) ..................................... 20

1 | Laporan Progres Kuartal 1 Tahun 2014/Progress Report Quarter 1 Year 2014

Pendahuluan Introduction Amartha Microfinance (Amartha) yang beroperasi sebagai badan hukum Koperasi Amartha Indonesia merupakan institusi yang berorientasi pada bisnis sosial. Misi Amartha memfokuskan kepada pelayanan jasa keuangan terjangkau untuk masyarakat prasejahtera di pelosok pedesaan, sehingga mereka dapat mengejar kehidupan dengan tujuan yang lebih besar. Amartha memajukan misi sosialnya dalam mengurangi kemiskinan melalui layanan pendidikan keuangan dasar dan pengorganisasian masyarakat yang melengkapi pelayanan jasa keuangannya.

Amartha Microfinance (Amartha) 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 pertama 2014 (Januari–Maret)/1K2014. Hingga akhir 1K2014, Amartha telah menjangkau 5.486 anggota yang merupakan gabungan dari 5 cabang yang Amartha miliki di Ciseeng, Jasinga, Bojonggede, Kemang, dan Tenjo, Kabupaten Bogor. Tingkat Portofolio Beresiko atau tingkat keterlambatan pembayaran di atas 30 hari terhadap seluruh portofolio pembiayaan Amartha dapat dikelola pada angka 0%.

This report presents Amartha’s operational and financial information for the first quarter of 2014 (Januari-March)/1Q2014. By the end of 1Q2014, Amartha had reached 5.486 members which were a consolidation of the 5 branches established in Ciseeng, Jasinga, Bojonggede, Kemang, and Tenjo, 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

JAN’ 14

Jangkuan / Outreach Kantor Cabang / Branch

FEB’ 14

5

Desa / Village

MAR’ 14

5

5

55

56

59

Majelis / Gathering

323

340

367

Anggota/ Members

4,761

5,111

5,486

% anggota perempuan / % of women members

100%

100%

100%

4,332 915,900,000

4,799 1,886,400,000

5,066 2,678,800,000

3,757,013,800

4,170,232,200

4,364,227,200

308,075.69 867,270

277,182.17 868,979

357,867.27 861,474

71.12

70.07

70.64

0%

0%

0%

4,365

4,648

4,986

192,454,200

198,911,200

252,315,700

15,781.27

21,238.59

20,689.92

34

38

39

Pembiayaan / Financing Anggota Aktif Pembiayaan/ Active Loan Account 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 Anggota Aktif Menabung / Active Savings Account Saldo Portofolio Tabungan (Rp) Voluntary Savings Portfolio ($) Karyawan / Staff Total Karyawan / Staff $ 1 = Rp 12,195.1 (per 31March 2014)


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

JAN’ 14

FEB’ 14

5 55 323 29 4,761 475 95 9%

5 56 340 19 5,111 410 60 7%

MAR’ 14 5 59 367 27 5,485 437 62 7%

1,322 anggota baru dan 75 majelis baru 1,322 new members and 75 new majelis were terbentuk selama 1K2014. formed during 1Q2014. Mayoritas dari 64 anggota keluar selama 1K2014 yang sebagian besar mengundurkan diri karena tidak dapat memenuhi tingkat kehadiran majelis yang telah ditentukan dan disepakati.

The majority of 64 dropped out members during 1Q2014 who largely pulled out their membership as they had failed to comply with the majelis attendance standard which had been determined and agreed upon.

59 desa tersebar di 13 kecamatan di Kabupaten Bogor dan Kabupaten Lebak telah menjadi daerah layanan Amartha hingga akhir 1K2014. Strategi perluasan jumlah anggota dilakukan dengan membuka pelayanan di desa baru dan memaksimalkan jumlah anggota di desa yang sudah dilayani dengan tetap menjaga kualitas pelayanan.

59 villages across 13 districts in Bogor Regency and Lebak Regency have become the service areas of Amartha by the end of 1Q2014. Expansion strategy to grow the number of members had been done by opening services in the new villages and by intensifying the number of members in the existing villages by maintaining the quality of service.

Pertumbuhan Anggota per Bulan/ Membership Growth per Month

4,761

5,486

5,111

475

410

437

Jan

Feb

Mar

Akumulasi/Accumulated

Bulanan/Monthly


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

JAN’ 14 0%

FEB’ 14 0%

MAR’ 14 0%

Portofolio Beresiko. Pada 1K2014, tingkat Portfolio at Risk. In 1Q2014, 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 12,195.1 (per 31March 2014)

JAN’ 14 4,062,250,000

FEB’ 14 4,796,850,000

MAR’ 14 5,779,450,000

333,105.10 746,000,000

393,342.41 734,600,000

473,915.75 982,600,000

61,172.11 1,261,177

60,237.31 1,364,680

80,573.35 1,460,933

103.42 2,325,901,000

111,903.96 2,856,625,400

119,796.72 3,361,665,400

190,724.23 722,105

234243.70 812,696

275,657.06 849,764

59.21

66.64

69.68

Rp 2.6 milyar adalah pembiayaan yang RP 2.6 million was the amount of financing disalurkan selama periode Januari–Maret 2014 disbursed during the period January-March 2014 kepada 1,913 anggota. to 1,913 members. Saldo bruto portofolio sebesar Rp 4.4 milyar Gross portfolio outstanding was Rp 4.4 billion atau sebesar Rp 861,474 per anggota pada akhir or amounting to Rp 861,474 per member at the 1K2014. end of 1Q2014.


Pembiayaan / Financing 3,000

2,635

Jutaan/Millions (Rp)

2,500 1,842

2,000 1,500 916

1,000

926

792

Feb

Mar

916

500 -

Jan Akumulasi/Accumulated

PEMBIAYAAN/FINANCING Cycle 1 (Rp) / ($) Cycle 2 (Rp) / ($) Cycle 3 (Rp) / ($) Cycle 4 (Rp) / ($) Cycle 5 (Rp) / ($)

JAN’ 14 459,400,000/ 37,670.87 173,000,000/ 14,186.03 128,500,000/ 10,537.02 155,000,000/ 12,710.02 0

Bulanan/Monthly

FEB’ 14 469,600,000 / 38,507.27 148,700,000/ 12,193.42 261,000,000/ 21,402.04 42,000,000/ 3,444.01 5,000,000/ 410.00

MAR’ 14 409,400,000/ 33,570.86 129,000,000/ 10,578.02 170,000,000/ 13,940.03 79,000,000/ 6,478.01 5,000,000/ 410.00

Penyaluran Pembiayaan dalam Setiap Putaran. Selama 1K2014, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1 juta, kepada 1,360 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2 juta, kepada 251 anggota; pembiayaan putaran ketiga, yaitu maksimal Rp 3 juta, kepada 214 anggota; pembiayaan putaran keempat, yaitu maksimal Rp 4 juta, kepada 86 anggota; dan pembiayaan putaran kelima, yaitu maksimal Rp 5 juta, kepada 2 anggota.

Financing Disbursement for Each Cycle. Until 1Q2014, Amartha has distributed: the first round of financing, which is a maximum of Rp 1 million, to 1,360 members; second round of financing, which is a maximum of Rp 2 million, to 251 members; third round of financing, which is a maximum of Rp 3 million, to 214 members; the fourth round of financing, which is a maximum of Rp 4 million, to 86 members; and the fifth round of financing, which is a maximum of Rp 5 million, to 2 members.

Sektor Pembiayaan Januari – Maret 2014 Dari seluruh pembiayaan yang dicairkan kepada 1,913 anggota dari Januari hingga Maret 2014, persebaran sektor pembiayaan adalah sebagai berikut:

Sektor Pembiayaan January – March 2014 From the total financing disbursed to 1,913 members from January until March 2014, the spread of financing sector is as follows:

Sektor Pembiayaan Jan - Mar 2014 Perdagangan / Trading

981

Perumahan / Housing

391

Pendidikan / Education

251

Pertanian / Agriculture

108

Aset / Asset

101

Jasa / Service

40

Kesehatan / Health

20

Industri Rumah Tangga / Home Industry

11

Lainnya / Others

10


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 12,195.1. (per 31 March 2014)

JAN’ 14 4,365 192,454,200

FEB’ 14 4,648 198,911,200

MAR’ 14 4,986 252,315,700

15,781.27 136,521,500

16,310.75 131,360,600

20,689.93 175,764,000

11,194.78 130,877,000

10,771.59 124,903,600

14,412.67 122,359,500

10,731.93 44,090

10,242.11 42,795

10,033.50 50,605

3.62

3.51

4.15

Rp 252.3 juta merupakan saldo portofolio tabungan sukarela dari 4,986 anggota yang aktif menabung pada akhir 1K2014. 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 1K2014 adalah Rp 443.6 juta, 128% lebih tinggi dari total tabungan sukarela yang masuk selama 1K2013 (Rp 282.8 juta) dan 70% lebih tinggi dari 4K2013 (Rp 379.5 juta).

RP 252.3 million was the voluntary savings balance from 4,986 members who actively save their money as at 1Q2014. 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 1Q2014 was Rp 443.6 million, which was 128% higer than the total of voluntary savings deposited during 1Q2013 (Rp 282.8 million) and was 70% lebih tinggi from 4K2013 (Rp 379.5 million).

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

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

Juta/Millions (Rp)

300 250 200 150

176 137

131

131

125

122

100 50 Jan Tabungan Masuk

Feb Tabungan Keluar


Mar

Cerita dari Dampak Sosial Kami Story of Our Social Impact

Rahayu: TAJAM DALAM MELIHAT KESEMPATAN USAHA Oleh Rima Komara

B

erawal ketika Rahayu

(40th) dan keluarga pindah rumah ke Desa Tegal, Kec. Kemang, Kab. Bogor. Beliau melihat di komplek perumahan yang berlokasi dekat desa tempat tinggalnya belum ada penyalur air galon, sementara kebutuhan air galon sangat banyak. Oleh karena itu, Rahayu melihat bahwa menjadi penyalur air galon dapat menjadi ide usaha yang brilian. Menjalankan usaha sejak 2 tahun yang lalu, Rahayu menjadi penyalur air galon dengan sistem pesan-antar. Rupanya, beliau tidak terlalu sulit menawarkan jasa pesan-antar air galonnya. “Dulu saya suka jadi pengurus arisan ibu-ibu yang tinggal di komplek perumahan. Seneng aja bisa ketemu orang tiap hari karena dengan itu saya bisa menjaga silaturahmi. Makanya waktu saya mulai jualan galon, saya hubungi lagi Ibu-Ibu yang dulu suka ikut arisan itu”, ujar Rahayu. Rahayu merupakan ibu rumah tangga yang aktif dan supel sehingga para ibu-ibu rumah tangga yang tinggal di komplek perumahan tersebut kemudian menjadi pelanggan setianya. “Awalnya usaha saya nggak pakai modal. Saya hanya menyalurkan saja dari depot. Setelah gabung di Amartha dan mendapat pembiayaan Rp 1 juta, baru saya membeli galon sendiri”, Rahayu menuturkan. Sekarang Rahayu sudah menerima pembiayaan ke-3 dari Amartha sebesar Rp 3 juta. Seperti pembiayaan-pembiayaan sebelumnya, pembiayaan ketiga inipun dialokasiksan untuk mendukung modal kerja usahanya. Sekarang Rahayu sudah memiliki sekitar 200 galon AQUA dan sekitar 100 galon merek lainnya. Dari usaha air galon itu, Rahayu bisa mencukupi kebutuhan sehari-hari

keluarganya. Sejak suaminya tak lagi bekerja, Rahayu yang menjadi tulang punggung keluarganya. Suami beliau ikut membantu usahanya dengan menjaga toko, yang berlokasi di samping rumah mereka, apabila Rahayu mengantarkan pesanan air galon. Dari hasil keuntungan berjualan air galon, Rahayu kemudian juga menambah makanan ringan untuk dijual di tokonya.

kalau lagi hujan, jadi saya tidak bisa mengantarkan air galon”, ujar Rahayu.

Tinggal bersama suami dan satu orang anaknya yang masih duduk di kelas 5 SD, kini Rahayu sudah memiliki took yang cukup luas untuk menyimpan persediaan air galon dan sudah memiliki warung jajanan anak. Bagi Rahayu, usahanya ini sudah mencukupi kebutuhan sehari“Alhamdulillah, modalnya berputar. hari keluarganya. Rahayu berharap Keuntungan jual air galon, saya usahanya ini dapat semakin besar pakai buat jualan makanan kecil. dan dapat terus mendukung Sekarang warung saya makin besar”, pendidikan anaknya. tambah Rahayu. Dari usaha air galon dan makanan ringan, Berkembang Bersama pendapatan Rahayu setiap hari Amartha berkisar antara Rp 700 ribu – Rp 1 Rahayu adalah salah satu dari potret juta. perempuan yang menginspirasi yang berperan penting dalam Semangat & Ikhlas membangun strategi ekonomi Hampir setiap hari Rahayu keluarga. Beliau berharap agar mengantarkan pesanan air galon Amartha dapat tetap memberikan menggunakan sepeda motornya. Tak dana untuk modal usahanya agar masalah bagi Rahayu meski setiap dapat terus berkembang. hari berkeliling mengantarkan air galon dengan cuaca yang panas. Amartha berkomitmen untuk terus Menaikkan dan menurunkan galon memfasilitasi wanita-wanita seperti ke atas motornya sudah biasa bagi Rahayu untuk meningkatkan Rahayu, meski beliau tau peranan mereka dalam memperbaiki pekerjaannya ini kebanyakan lelaki kesejahteraan keluarganya. yang menjalaninya. “Kendalanya kalau saya lagi nggak sehat dan


Rahayu: SHARP IN CAPTURING BUSINESS OPPORTUNITY By Rima Komara

I

t all began when

Rahayu (40th) and family moved to Tegal Village, Kemang District, Bogor Regency. At that time, she observed that the housing complex located near to the village where she lived in, did not have any water gallons distributors, while the demand was ample. Therefore, Rahayu sought that the idea to be the distributor for water gallon would become a brilliant business idea. Running the business since 2 years ago, Rahayu has become the distributor for water gallon with home delivery system. Apparently, it was not too difficult for her to offer home delivery service of water gallons. "I was used to be the administrator for housewives gathering in the housing complex. I am happy to meet people every day for that I can keep the friendships. So when I started selling the water gallons, I called those housewives, who were used to join the gathering", said Rahayu. Rahayu is an active and sociable housewife so that the housewives who live at the housing complex have then turned into her loyal customers. “At first, I had no capital to start the business. I just distributed the water gallons from a depot. After I joined Amartha and received a financing of Rp 1 million, then only I bought my own gallons”, told Rahayu.

Now, Rahayu has received the third financing from Amartha amounting to Rp 3 million. Similar with the previous financings, this third financing has also been allocated to support the working capital of her business. Rahayu has now had about 200 AQUA gallons and about 100 gallons from other brands. From the water gallon business, Rahayu can meet her daily family needs. Since her husband has no longer been working, she has become the backbone of the family. Her husband helps the business by keeping eye on the store, which is located next to their house, when Rahayu delivers the ordered gallons. Furthemore, from the profits generated, Rahayu then adds up some snacks to be sold at her store. “Alhamdulillah (Praise the God), the capital has rotated. I make use the profit from selling the water gallons to sell snacks. Now my store has grown further”, added Rahayu. From selling the water gallons and snacks, her daily revenue stands at around Rp 700 thousands – Rp 1 million.

Being Passionate & Sincere Almost every day Rahayu delivers the ordered gallons of water using her motorcycle. It is not a problem for her to drive around the water gallons under the hot weather. To lift up and put down the gallons to and from her motorcycle on her


own is common for Rahayu, even though she knows that this is the kind of job that mostly men do. "The only problem I have is when I feel unwell or when it is raining, so that I cannot deliver the water gallons," said Rahayu. Living with her husband and a child who is in his 5th grade, now Rahayu already have a store that is large enough to store water gallons and snacks. To Rahayu, this business is sufficient to support her daily family needs. Rahayu hopes that her business can grow bigger and support their child's education.

Grow with Amartha Rahayu is one of the inspiring portraits of women who play an important role in developing a strategy for household economy. She hopes that Amartha can continue to provide financing for her working capital in order for her to grow her business. Amartha commits to continue facilitating women like Rahayu in increasing their role in improving their family welfare.is one example of Amartha’s members who is no longer young but still possesses tremendous zest for life that inspires other Amartha members.

Produktifitas dan Efisiensi Productivity and Efficiency Anggota baru selama 1K2014 tercatat sebanyak 1,322 anggota. Angka penumbuhan anggota ini meningkat 18% dari kuarter 4K2013 karena laju pertumbuhan yang cukup signifikan di cabang baru Tenjo.

The number of new members during 1Q2014 was recorded at 1,322 members. This member growth figure was 18% higher than that in 4Q2013 trigerred by the significant growth in the new Branch Jasinga.

Anggota per Pendamping Lapangan. Rasio pada akhir 1K2014 adalah 229 anggota per pendamping lapangan. Rasio ini menurun 13% dari rasio pada akhir 4K2013 karena di 1K2014 perekrutan pendamping lapangan lebih intensif untuk mendukung laju penumbuhan di sepanjang tahun 2014.

Members per Field Officer. Ratio per 1Q2014 was 229 members per field officer. This ratio decreased by 13% from 4Q2013 because during 1Q2014 the recruitment for field officers had been carried out more intensively to support the growth rate in 2014.

Portofolio per Pendamping Lapangan. Saldo portofolio per pendamping lapangan per Maret 2014 adalah Rp 181.8 juta dengan 24 pendamping lapangan.

Portfolio per Field Officer. Outstanding portfolio per field officer was per March 2014 was Rp 181.8 million with 24 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 (IDR) / Portfolio per Field Officer ($)

Indikator Kemampuan Mandiri Operasional. Kemandirian secara operasional pada akhir 1K2014 adalah 112%. Amartha akan terus meningkatkan kemandirian secara operasional setiap bulannya.

JAN’ 14

FEB’ 14

MAR’ 14

4,761 323 34 8 26 21

5,111 340 38 8 30 25

5,486 367 39 10 29 24

227

204

229

140

135

141

15

14

15

178,905,419

166,809,288

181,842,800

14,670.27

13,678.39

14,911.14

Operational Self-Sufficiency Indicator. The operational self-sufficiency reached 112% by the end of 1Q2014. 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 12,195.1 (per 31 March 2014)


JAN’ 14 2%

FEB’ 14 3%

MAR’ 14 3%

133%

102%

112%

Pengembangan Kapasitas Manusia & Penguatan Institusi Human Capacity and Institutional Building Selama 1K2014, Amartha mengikutsertakan During 1Q2014, 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

Pelatih / Trainer

Peserta / Trainees

Pembahasan / Topic

7 Feb 2014

Kantor Pusat / Head Office

Manajer Senior / Senior Manager

Karyawan baru / New Staff

Pengenalan Keuangan Mikro / Introduction to Microfinance

8 Feb 2014



Karyawan baru / New Staff

Praktek dan Prosedur Bisnis Amartha / Amartha Business Practice & Procedure

14 Feb 2014



Karyawan senior / Senior Staff

Pelayanan Anggota / Customer Service

15 Feb 2014



Karyawan senior / Senior Staff

Penanganan Masalah Di Lapang / Handling Field Issues

17-19 Feb 2014


External Consultant

Manajer Senior & Junior / Senior & Junior Managers

Kontrol Internal / Internal Control

21-22 Feb 2014

Mega Mendung, Bogor, Indonesia

External Consultant

Seluruh karyawan /All staff

Membangung Tim Juara /Build the Winning Team

Team Building in Mega Mendung, Puncak, 21-22 Feb 2014


Liputan & Acara Exposures & Events Proyek Kampanye Inklusi Keuangan & Analisa Dampak Sosial bersama Mahasiswa Deakin University Amartha bekerja sama dengan International Internships mendatangkan 4 mahasiswa dari Deakin University, Australia untuk magang selama 10 Feb – 21 Feb 2014.

Financial Inclusion Campaign & Social Impact Analysis Projects with Deakin University Students Amartha worked along with the International Internships bringing together 4 students from Deakin University, Australia to have an internship from 10 Feb – 21 Feb 2014.

Dalam periode magang tersebut, para mahasiswa membantu Amartha dalam membuat strategi Kampanye Inklusi Keuangan yang bertujuan untuk meningkatkan kesadaran tentang akses pembiayaan pada masyarakat pedesaan dan pemberdayaan wirausaha perempuan untuk mengurangi kemiskinan. Kampanye ini nantinya akan dilakukan melalui media sosial Amartha, seperti Facebook dan Twitter.

During that internship period, the students helped Amartha in setting up strategies for the Financial Inclusion Campaign which aims at raising awareness about the access to finance in rural communities and empowering women entrepreneurships to alleviate poverty. This campaign will take place through social Amartha’s social media, such as Facebook and Twitter.

Selain itu, para mahasiswa juga membantu Amartha dalam menganalisa dampak sosial melalui data survei yang Amartha himpun melalui kuesioner PPI (Progress out of Poverty Index).

Furthermore, the students also helped Amartha ini analysing the social impact from the survey data that Amartha had gathered trough PPI (Progress out of Poverty Index) questionnaire.

Para Mahasiswa dari Deakin University, Australia Mempresentasikan ideide mereka atas Kampanye Inklusi Keuangan dan Analisa Dampak Sosial / Students from Deakin University, Australia presenting their ideas on the Financial Inlcusion Campaign and Social Impact Analysis


“Ayo Memilih Cerdas!” Selama minggu ke-3 dan 4 Maret 2014, para pendamping lapangan memberikan pengetahuan kepada anggota layanan tentang cara memilih cerdas.

“Let’s Vote Smart!” During the third and forth week of March 2014, the field officers was giving out knowledge to the members on how to vote smartly

Program ini bertujuan membangun kesadaran anggota layanan Amartha untuk berpartisipasi dalam Pemilu tanggal 9 April 2014 dengan menggunakan hak pilih secara bijak dan bertanggung jawab. Program ini juga mengingatkan mereka untuk tidak mudah memberikan suara karena uang melainkan memilih karena percaya bahwa pemimpin tersebut memiliki kemampuan untuk menjadikan kehidupan bersama yang lebih baik.

This programme aimed at raising awareness of Amartha’s members to participate in the General Election held on 9 April 2014 by using their voting rights wisely and responsibly. This programme also reminded them not to easily give up their votes because of money but they have to vote for leaders whom they believe have the ability to make a better life together.

Sebelum program tersebut dilaksanakan, pada tanggal 14 Maret 2014, Amartha memberikan pelatihan kepada para pendamping lapangan mengenai materi yang disampaikan kepada anggota layanan selama program berlangsung.

Before the programme was carried out, on 14 March 2014, Amartha trained the field officers on the materials that needed to be transmitted to the members throughout the programme.


Gerakan Seribu Sikat Gigi Dalam rangka memperingati Hari Kesehatan Gigi Sedunia 2014, Amartha bekerja sama dengan Peri Gigi Indonesia sebagai komunitas yang berperan aktif dalam kesehatan gigi dan mulut kepada masyarakat, mengadakan kegiatan Gerakan Seribu Sikat Gigi di Desa Setu, Kecamatan Jasinga, Kabupaten Bogor pada tanggal 22 Maret 2014. 500 anggota layanan Amartha dan 500 anak-anak mereka dari sejumlah desa di kecamatan Jasinga berpartisipasi dalam kegiatan ini.

The 1,000-Toothbrush Movement Commemorating the 2014 World Oral Health Day, Amartha joined forces with Indonesia Tooth Fairies as a local initiative that promotes dental and oral health, conducting the 1,000Toothbrush Movement in Setu Village, Jasinga District, Bogor Regency on 22 March 2014. 500 Amartha’a members and 500 children of theirs from villages across Jasinga District participated in this event.

Kegiatan ini bertujuan untuk meningkatkan pengetahuan dan kesadaran masyarakat mengenai pentingnya membersihkan gigi dan mulut dengan menggunakan sikat gigi pribadi secara benar.

This event aimed at increasing the public knowledge and awareness about the importance of cleaning teeth and mouth with a personal toothbrush properly.

Didampingi oleh ibunya dan dipandu oleh seorang relawan, seorang anak perempuan menyikat giginya / With the assistance of her mother and a volunteer, a girl was brushing her teeth.


Penghargaan Awards Ganesha Innovation Championship Awards 2014 Pada bulan Februari 2014, diwakili oleh Pendiri Amartha, Andi Taufan Garuda Putra, Amartha mendapat penghargaan yang dari Ikatan Alumni ITB dalam acara Ganesha Innovation Championship Awards (GICA 2014). Penghargaan ini diberikan setiap tahunnya untuk alumni yang berprestasi dengan inovasi untuk masyarakat luas. Tahun ini yang mendapatkan penghargaan adalah Onno W Purbo, Dian Wahdini Syarief, Hokky Situngkir, dan Tedy Tritjahyono. Pada tahun sebelumnya penerima penghargaan ini diantaranya adalah Ridwan Kamil, I Gede Wenten, dan Iskandar B Kuntoadji.

Ganesha Innovation Championship Awards 2014 In February 2014, represented by the Chairman of Amartha, Andi Taufan Garuda Putra, Amartha received an award from the Alumni Association of Bandung Institute of Technology in the event Ganesha ITB Championship Innovation Awards (GICA 2014). This award is given annually to outstanding alumni who come up with innovation for the wider community. This year’s award winners were Onno W Purbo, Dian Wahdini Syarif, Hokky Situngkir, and Tedy Tritjahyono. In the previous year, the award recipients included Ridwan Kamil, I Gede Wenten, and Iskandar B Kuntoadji.


Laporan Posisi Keuangan Statements of Financial Position 31/01/2014 (Rp)

28/02/2014 (Rp)

31/03/2014 (Rp)

ASET ASET LANCAR Kas dan setara kas Piutang pembiayaan Murabahah Ijarah Qardul hasan Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar

866,985,079

728,175,792

1,574,458,736

3,323,017,000 433,970,000 14,749,750 40,166,667 15,415,400 4,694,303,895

3,692,037,000 479,054,000 11,294,150 39,333,333 15,415,400 4,965,309,675

3,821,973,000 527,260,000 8,912,150 71,260,370 30,915,400 6,034,779,656

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

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

407,678,293 (117,896,048) 53,971,944 343,754,189

477,535,293 (128,255,037) 53,783,889 403,064,145

487,332,293 (139,452,191) 53,595,833 401,475,935

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

JUMLAH ASET

5,038,058,084

5,368,373,821

6,436,255,590

TOTAL ASSETS

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

450,813,500 442,000,000 2,746,188,898 135,509,640 244,306,828 4,018,818,866

466,345,200 442,000,000 2,808,632,653 189,849,640 438,617,686 4,345,445,179

533,162,700 442,000,000 3,846,331,796 182,785,640 390,358,761 5,394,638,897

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 8,400,000 254,730,000 512,089,046 196,246,941 42,173,231 1,019,239,218

5,600,000 8,400,000 254,730,000 512,089,046 196,246,941 45,862,654 1,022,928,641

5,600,000 8,400,000 254,730,000 512,089,046 196,246,941 64,550,706 1,041,616,693

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

JUMLAH LIABILITAS DAN EKUITAS

5,038,058,084

5,368,373,821

6,436,255,590

TOTAL LIABILITIES AND EQUITY

Total aset bernilai Rp 6.4 miliar hingga akhir Total assets were Rp 6.4 billion by the end of 1K2014. Piutang pembiayaan anggota adalah 1Q2014. The members financing receivables sebesar Rp 4.4 miliar atau 67% dari total aset. were Rp 4.4 billion or 67% of the total assets. Total kewajiban bernilai Rp 5.4 miliar hingga akhir 1K2014, di mana komposisi 79% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 1K2014 adalah Rp 1.04 miliar. Rasio kewajiban per modal adalah 518%.

Total liabilities were amounting to Rp 5.4 billion by the end of 1Q2014, of which the 79% composition was in the form of financing. Meanwhile, the equity at the end of 1Q2014 was Rp 1.04 billion. Debt to equity ratio was 518%.


Laporan Sisa Hasil Usaha Statements of Operating Result 31/01/2014 (Rp)

28/02/2014 (Rp)

31/03/2014 (Rp)

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

137,003,600 21,474,300 13,109,380

270,439,700 42,473,900 26,146,758

425,930,200 67,441,400 37,744,969

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

Jumlah

171,587,280

339,060,358

531,116,569

Total

BEBAN PEMBIAYAAN

(37,946,918)

(82,010,539)

(127,744,997)

FINANCING EKPENSES

BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pajak Pemeliharaan Penyusutan Umum administrasi

(68,877,544) (833,333) 0 0 (849,700) (9,336,780)

(158,926,930) (1,666,667) 0 0 (2,151,300) (19,883,824)

(242,056,315) (2,500,000) (10,600,000) (3,383,300) (31,269,034) (47,012,216)

OPERATING EKPENSES Salaries Office rent Tax Maintenance Depreciation General and administration

Jumlah

(91,467,131)

(211,187,164)

(336,820,866)

Total

42,173,231

45,862,654

66,550,706

OPERATING RESULT

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

0 0

0 0

0 (2,000,000)

OTHER INCOMES (EXPENSES) Other incomes Other expenses

Jumlah

0

0

(2,000,000)

Total

42,173,231

45,862,654

64,550,706

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 1K2014 adalah sekitar Rp 164.5 juta. 1Q2014 was approximately Rp 164.5million. Rata-rata beban operasional per bulan selama The average operating expense per month 1K2014 adalah Rp 112 juta. during 1Q2014 was Rp 112 million. Selama 1K2014, beban gaji mencapai 70% dari During 1Q2014, salaries accounted for 70% of seluruh beban operasional setiap bulannya. the entire operating expenses per month.


Rencana untuk Kuartal 2 Tahun 2014 Plan for Quarter 2 Year 2014 Jangkauan Outreach Pada awal kuartal kedua 2014, Amartha akan During the second quarter of 2014, Amartha will terus mengoptimalkan 5 cabang yang sudah continue optimising the existing 5 branches. berjalan.

BULAN/MONTH Apr/Apr 2014 Mei/May 2014 Jun/Jun 2014

TARGET 300 anggota/members 300 anggota/members 300 anggota/members

PEMBIAYAAN BARU / NEW FINANCING Rp 300,000,000 Rp 300,000,000 Rp 300,000,000

Perekrutan dan Penguatan Karyawan dan Manajemen Pada 2K2014, Amartha akan terus memfokuskan perhatian terhadap perekrutaan pendamping lapangan dalam rangka pembukaan cabang ke-6 di awal 3K2014. Proses pelatihan karyawan dan manajemen terus dilakukan dengan ikutsertakan pada pelatihan internal maupun eksternal.

Staff and Management Recruitment and Reinforcement In 2Q2014, Amartha will continue to focus on the recruitment of field officers in order to open the sixth branch at the beginning of 3Q2014. The training process for staff and management continue to take place by engaging them in the internal as well as the external training.

Manajemen dan Tata Kelola Go Live MIS Amartha akan dilaksanakan secara bertahap mulai bulan April 2014. MIS direcanakan akan diimplementasikan pada seluruh cabang di akhir Mei 2014.

Management and Governance Amartha Go Live MIS will be implemented in stages starting in April 2014. The MIS will be implemented in all branches at the end of May 2014.

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

Furthermore, 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.

Amartha akan melaksanakan program Cek Mata Anak dan Pembagian Kacamata Gratis kepada 500 anak anggota layanan Amartha. Program ini merupakan bentuk kerjasama dengan Alfamart dan Yayasan Koran Anak Berani.

Amartha will carry out a programme called Children Eye Examination and Free Glasseses Distribution to 500 children of Amartha’s members.This programme is a form of cooperation with Alfamart and Koran Anak Berani Foundation.

Selain itu, Amartha kembali melaksanakan program Sembako Murah Ramadhan. Program tahunan ini direncanakan untuk memberikan subsidi paket sembako kepada 6.000 anggota Amartha.

Beside that, Amartha is to hold the Ramadhan Cheap Groceries Programme. This annual event is planned to provide subsidised cheap groceries package to 6,000 members of Amartha.


Lampiran Appendix $ 1 = Rp 12,195.1 (per 31 March 2014) LAPORAN POSISI KEUANGAN 31/01/2014 ($) ASET ASET LANCAR Kas dan setara kas Piutang pembiayaan Murabahah Ijarah Qardul hasan Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar

28/02/2014 ($)

STATEMENTS OF FINANCIAL POSITION 31/03/2014 ($) ASSETS CURRENT ASSETS 129,105.85 Cash and cash equivalent Financing receivables 313,402.35 Murabahah 43,235.40 Ijarah 730.80 Qardul hasan 5,843.36 Prepaid expenses 2,535.07 Inventory 494,852.82 Total current assets

71,092.90

59,710.52

272,487.88 35,585.60 1,209.48 3,293.67 1,264.07 384,933.61

302,747.58 39,282.50 926.12 3,225.34 1,264.07 407,156.13

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

33,429.68 (9,667.49) 4,425.71 28,187.89

39,157.96 (10,516.93) 4,410.29 33,051.32

39,961.32 (11,435.10) 4,394.87 32,921.09

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

JUMLAH ASET

413,121.51

440,207.45

527,773.91

TOTAL ASSETS

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

36,966.77 36,244.07 225,187.89 11,111.81 20,033.20 329,543.74

38,240.38 36,244.07 230,308.29 15,567.70 35,966.71 356,327.15

43,719.42 36,244.07 315,399.78 14,988.45 32,009.48 442,361.19

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

459.20 688.80 20,887.90 41,991.38 16,092.28 3,458.21 83,577.77

459.20 688.80 20,887.90 41,991.38 16,092.28 3,760.74 83,880.30

459.20 688.80 20,887.90 41,991.38 16,092.28 5,293.17 85,412.72

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

413,121.51

440,207.45

527,773.91

TOTAL LIABILITIES AND EQUITY

JUMLAH LIABILITAS DAN EKUITAS


Lampiran Appendix $ 1 = Rp 12,195.1 (per 31 March 2014) LAPORAN SISA HASIL USAHA 31/01/2014 ($) PENDAPATAN Pendapatan pembiayaan 11,234.32 Pendapatan dari murabahah 1,760.90 Pendapatan dari ijarah 1,074.97 Pendapatan jasa administrasi

STATEMENT OF OPERATING RESULT 28/02/2014 ($)

31/03/2014 ($)

22,176.10 3,482.87 2,144.04

34,926.34 5,530.20 3,095.09

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

Jumlah

14,070.18

27,803.00

43,551.64

Total

BEBAN PEMBIAYAAN

(3,111.65)

(6,724.88)

(10,475.11)

FINANCING EKPENSES

BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pajak Pemeliharaan Penyusutan Umum administrasi

(5,647.97) (68.33) 0.00 (69.68) (765.62) (948.72)

(13,032.03) (136.67) 0.00 (176.41) (1,630.48) (2,341.80)

(19,848.65) (205.00) (869.20) (277.43) (2,564.07) (3,855.01)

OPERATING EKPENSES Salaries Office rent Tax Maintenance Depreciation General and administration

Jumlah

(7,500.32)

(17,317.38)

(27,619.36)

Total

3,458.21

3,760.74

5,457.17

OPERATING RESULT

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

0.00 0.00

0.00 0.00

0.00 (164.00)

OTHER INCOMES (EXPENSES) Other incomes Other expenses

Jumlah

0.00

0.00

(164.00)

Total

3,458.21

3,760.74

5,293.17

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 ke 1 Tahun 2014 Januari Maret 2014 Progress Report Quarter 1 Year 2014 January March 2014

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