Laporan Progres Kuartal ke 2 Tahun 2014 April Juni 2014 Progress Report Quarter 2 Year 2014 April June 2014

Laporan Progres Kuartal ke 2 Tahun 2014 │April – Juni 2014 Progress Report Quarter 2 Year 2014 │April – June 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 PRODUKTIVITAS DAN EFISIENSI/PRODUCTIVITY AND EFFICIENCY .................................................... 8 PENGEMBANGAN KAPASITAS SDM & PENGUATAN INSTITUSI /HUMAN CAPITAL CAPACITY & INSTITUTIONAL BUILDING ................................................................................................................ 9 LIPUTAN & ACARA/EXPOSURES & EVENTS ..................................................................................... 10 PENGHARGAAN/AWARDS .............................................................................................................. 11 LAPORAN POSISI KEUANGAN (Rp)/STATEMENTS OF FINANCIAL POSITION (Rp) ............................ 12 LAPORAN SISA HASIL USAHA (Rp)/STATEMENTS OF OPERATING RESULT (Rp) ............................... 13 RENCANA UNTUK KUARTAL 3 TAHUN 2014/PLAN FOR QURTER 3 YEAR 2014 ................................ 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 2014/Progress Report Quarter 2 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 kedua 2014 (April–Juni)/2K2014. Hingga akhir 2K2014, Amartha telah menjangkau 5.954 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 second quarter of 2014 (April-June)/2Q2014. By the end of 2Q2014, Amartha had reached 5.954 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

APR’ 14

MAY’ 14

JUN’ 14

Jangkuan / Outreach Kantor Cabang / Branch Desa / Village Majelis / Gathering Anggota/ Members

5 60 382 5,757

5 64 398 5,944

5 64 397 5,954

% anggota perempuan / % of women members

100%

100%

100%

5,375 3,581,894,000 4,477,094,600

5,486 4,398,394,000 4,638,721,000

5,792 5,502,494,000 4,958,840,000

337,399.27 832,948

386,879.26 845,556

413,577.87 856,153

69.47 0%

70.52 0%

71.40 0%

5,349 416,339,800 34,723.63

5,559 438,569,800 36,577.66

5,520 404,555,300 33,740.78

42

42

50

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 11,990.1 (per 30 June 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

APR’ 14 5 60 382 15 5,757 327 56 5%

MAY’ 14 5 64 398 16 5,944 273 86 3%

JUN’ 14 5 64 397 0 5,954 142 132 0.2%

742 anggota baru dan 35 majelis baru 742 new members and 35 new majelis were terbentuk selama 2K2014. formed during 2Q2014. Mayoritas dari 70 anggota keluar selama 2K2014 yang sebagian besar mengundurkan diri karena tidak dapat memenuhi tingkat kehadiran majelis yang telah ditentukan dan disepakati.

The majority of 70 dropped out members during 2Q2014 who largely pulled out their membership as they had failed to comply with the majelis attendance standard which had been determined and agreed upon.

64 desa tersebar di 13 kecamatan di Kabupaten Bogor dan Kabupaten Lebak telah menjadi daerah layanan Amartha hingga akhir 2K2014. 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.

64 villages across 13 districts in Bogor Regency and Lebak Regency have become the service areas of Amartha by the end of 2Q2014. 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

5,111

5,486

5,757

5,944

5,954

475

410

437

327

273

142

Jan

Feb

Mar

Apr

Mei

Jun

Akumulasi/Accumulated

Bulanan/Monthly


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

APR’ 14 0%

MAY’ 14 0%

JUN’ 14 0%

Portofolio Beresiko. Pada 2K2014, tingkat Portfolio at Risk. In 2Q2014, 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 (Akumulatif) Pembiayaan Disalurkan (Rp) (Accumulated) Financing Disbursed ($) Per Bulan (Rp) Per Month ($) (Bulanan) Rata-rata Pembiayaan per Anggota (Rp) (Monthly) Average Financing Disbursed per Member ($) Saldo Bruto Portofolio (Rp) Gross Portfolio Outstanding ($) Rata-rata Saldo Portofolio per Anggota (Rp) Average Portfolio Outstanding per Member ($) $ 1 = Rp 11,990.1 (per 30 June 2014)

APR’ 14 3,581,894,000 298,737.63 784,500,000

MAY’ 14 4,398,394,000 369,609.84 816,500,000

JUN’ 14 5,502,494,000 458,919.78 1,104,100,000

65,428.98 1,354,581 112.97 4,477,094,600 373,399.27 832,948 69.47

68,097.85 1,458,382 121.63 4,638,721,000 386,879.26 845,556 70.52

92,084.30 1,691,404 141.07 4,958,840,000 413,577.87 856,153 71.40

Rp 2.7 milyar adalah pembiayaan yang Rp 2.7 million was the amount of financing disalurkan selama periode April–Juni 2014 disbursed during the period April-Juni 2014 to kepada 1,726 anggota. 1,726 members. Saldo bruto portofolio sebesar Rp 4.9 milyar Gross portfolio outstanding was Rp 4.9 billion atau sebesar Rp 856,153 per anggota pada akhir or amounting to Rp 856,153 per member at the 2K2014. end of 2Q2014.


Jutaan/Millions (Rp)

6,000 5,000 4,000 3,000 2,000 1,000 -

Pembiayaan / Financing

5,502

4,398 3,582 2,635 916 916 Jan

1,842 926

792

785

817

1,104

Feb

Mar

Apr

Mei

Jun

Akumulasi/Accumulated

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

APR’ 14 370,200,000/ 30,875.47 152,800,000/ 12,743.85 165,000,000/ 13,761.35 88,000,000/ 7,339.39 8,500,000/ 708.92

Bulanan/Monthly

MAY’ 14 321,200,000/ 26,788.77 227,800,000/ 18,999.01 146,500,000/ 12,218.41 121,000,000/ 10,091.66 0/ 0.00

JUN’ 14 227,400,000/ 18,965.65 365,500,000/ 30,483.48 338,100,000/ 28,198.26 165,100,000/ 13,769.69 8,000,000/ 667.22

Penyaluran Pembiayaan dalam Setiap Putaran. Selama 2K2014, Amartha telah menyalurkan: pembiayaan putaran pertama, yaitu maksimal Rp 1 juta, kepada 926 anggota; pembiayaan putaran kedua, yaitu maksimal Rp 2 juta, kepada 414 anggota; pembiayaan putaran ketiga, yaitu maksimal Rp 3 juta, kepada 258 anggota; pembiayaan putaran keempat, yaitu maksimal Rp 4 juta, kepada 124 anggota; dan pembiayaan putaran kelima, yaitu maksimal Rp 5 juta, kepada 4 anggota.

Financing Disbursement for Each Cycle. Until 2Q2014, Amartha has distributed: the first round of financing, which is a maximum of Rp 1 million, to 926 members; second round of financing, which is a maximum of Rp 2 million, to 414 members; third round of financing, which is a maximum of Rp 3 million, to 258 members; the fourth round of financing, which is a maximum of Rp 4 million, to 124 members; and the fifth round of financing, which is a maximum of Rp 5 million, to 4 members.

Sektor Pembiayaan April – Juni 2014 Dari seluruh pembiayaan yang dicairkan kepada 1,726 anggota dari April hingga Juni 2014, persebaran sektor pembiayaan adalah sebagai berikut:

Sektor Pembiayaan April – June 2014 From the total financing disbursed to 1,726 members from April until June 2014, the spread of financing sector is as follows:

Sektor Pembiayaan / Financing Sectors Apr- Jun 2014 Perdagangan / Trading

861

Perumahan / Housing

332

Pendidikan / Education

309

Pertanian / Agriculture

99

Aset / Asset

60

Kesehatan / Health

26

Jasa / Service

25

Lainnya / Others

9

Industri Rumah Tangga / Home Industry

5


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 11,990.1 (per 30 June 2014)

APR’ 14 5,349 416,339,800 34,723.63 188,504,600 15,721.69 132,850,800 11,080.04 77,835

MAY’ 14 5,559 438,569,800 36,577.66 174,434,400 14,548.20 152,204,400 12,694.17 78,894

JUN’ 14 5,520 404,555,300 33,740.78 198,778,900 16,578.59 232,793,400 19,415.47 73,289

6.49

6.58

6.11

Rp 404.56 juta merupakan saldo portofolio tabungan sukarela dari 5,520 anggota yang aktif menabung pada akhir 2K2014. 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 2K2014 adalah Rp 561.7 juta, 67% lebih tinggi dari total tabungan sukarela yang masuk selama 2K2013 (Rp 337.3 juta) dan 24% lebih tinggi dari 1K2014 (Rp 451.8 juta).

RP 404.59 million was the voluntary savings balance from 5,520 members who actively save their money as at 2Q2014. 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 2Q2014 was Rp 561.7 million, which was 67% higer than the total of voluntary savings deposited during 2Q2013 (Rp 337.3 million) and was 24% lebih tinggi from 1K2014 (Rp 451.8 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)

300 233

250 200 150

137 131

140 134

Jan

Feb

199

189

176 122

174 133

152

100 50 Tabungan Masuk/Deposit

Mar

Apr

Mei

Tabungan Keluar/Withdrawal


Jun

Produktifitas dan Efisiensi Productivity and Efficiency Anggota baru selama 2K2014 tercatat sebanyak 742 anggota. Angka penumbuhan anggota ini meningkat 19% dari kuarter 2K2013 karena laju pertumbuhan yang cukup signifikan di cabang Bojonggede, Kemang, dan Tenjo.

The number of new members during 2Q2014 was recorded at 742 members. This member growth figure was 19% higher than that in 2Q2013 trigerred by the significant growth in Bojonggede, Kemang, and Jasinga Branch.

Anggota per Pendamping Lapangan. Rasio pada akhir 2K2014 adalah 186 anggota per pendamping lapangan. Rasio ini menurun 23% dari rasio pada akhir 1K2014 karena di 2K2014 perekrutan pendamping lapangan terus diintensifkan untuk mendukung laju penumbuhan di sepanjang tahun 2014.

Members per Field Officer. Ratio per 2Q2014 was 186 members per field officer. This ratio decreased by 23% from 1Q2014 because during 2Q2014 the recruitment for field officers had been intensified to support the growth rate in 2014.

Portofolio per Pendamping Lapangan. Portfolio per Field Officer. Saldo portofolio per pendamping lapangan per Outstanding portfolio per field officer was per Juni 2014 adalah Rp 154.9 juta dengan 32 June 2014 was Rp 154.9 million with 32 field 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 (IDR) / Portfolio per Field Officer ($)

Indikator Kemampuan Mandiri Operasional. Kemandirian secara operasional pada akhir 2K2014 adalah 112%. Amartha akan terus meningkatkan kemandirian secara operasional setiap bulannya.

APR’ 14

MAY’ 14

JUN’ 14

5,757 382 42 11 31 26

5,944 398 42 12 30 26

5,954 397 50 16 34 32

221

229

186

137

142

119

15

15

12

172,195,946

178,412,346

154,963,750

14,361.51

14,879.97

12,924.31

Operational Self-Sufficiency Indicator. The operational self-sufficiency reached 112% by the end of 2Q2014. 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 11,990.1 (per 30 June 2014)


APR’ 14 3%

MAY’ 14 3%

JUN’ 14 4%

105%

101%

112%

Pengembangan Kapasitas Manusia & Penguatan Institusi Human Capacity and Institutional Building Selama 2K2014, Amartha mengikutsertakan During 2Q2014, 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. Kemudian, dalam rangka meningkatkan kesejahteraan sumber daya manusia di Amartha, pengurus mengundang beberapa institusi relevan untuk memberikan sosialisasi dalam hal ketenagakerjaan dan kesehatan. Tanggal / Date

Lokasi / Location

4 Apr 2014

Pelatih / Trainer

Furthermore, in order to enhance the welfare of human resources at Amartha, the management had invited some relevant institutions to give socialiation in terms of employment and healts.

Peserta / Trainees

Pembahasan / Topic

Amartha Branches Branch Managers

Petugas Lapangan / Field Officers

Kontrol Internal / Internal Control

18-19 Apr 2014

Bogor, Indonesia

Mercy Corps Indonesia

Petugas Lapangan & Manajer Cabang / Field Officers & Branch Manager

Pemanfaatan Teknologi Untuk Pengembangan Usaha Kecil / Technology Utilization in Growing Micro & Small Businesses

25 Apr 2014

Kantor Pusat / Head Office

Badan Penyelenggara Jaminan Sosial / Workers Social Security Agency

Seluruh karyawan /All staff

Program Jaminan Sosial untuk Tenaga Kerja / Social Security Programme for Workers

26 Apr 2014

Bogor, Indonesia

Microfin Indonesia Staff Keuangan & Admin Senior / Senior Finance & Admin Staff

Pengelolaan Pajak KJKS / Tax Management in Shariabased Cooperatives

23 May 2014

Kantor Pusat / Head Office

Asuransi Aviva Indonesia

Asuransi Kesehatan untuk Karyawan / Health Insurance for Staff

Seluruh karyawan /All staff

Pelatihan untuk Pelatih Dengan Topik Pemanfaatan Teknologi Untuk Pengembangan Usaha Kecil oleh Mercy Corps Indonesia / Training of Trainers with the topic of Technology Utilization in Growing Micro & Small Businesses by Mercy Corps Indonesia


Liputan & Acara Exposures & Events Program Cek Mata Anak dan Pembagian Kacamata Gratis Bekerja sama dengan Alfamart dan Yayasan Koran Anak Berani, Amartha melaksanakan program Cek Mata Anak dan Pembagian Kacamata Gratis kepada 500 anak anggota layanan Amartha pada tanggal 10 April 2014.

Children Eye Examination and Free Glasseses Distribution In cooperation with Alfamart and Koran Anak Berani Foundation, Amartha carried out a programme called Children Eye Examination and Free Glasseses Distribution to 500 children of Amartha’s members on 10 April 2014.

Pelatihan Teknologi Keuangan Digital Di bulan Mei 2014, Amartha memberikan pelatihan kepada 800 anggota layanan yang merupakan pengusaha mikro tersebar di 5 cabang Amartha.

Digital Finance Techonology In May 2014, Amartha gave out training to 800 members who are micro-entrepreneurs across Amartha’s 5 branches.

Pelatihan ini menekankan pada pemanfaatan This training emphasized the use of technology teknologi untuk pengembangan usaha mikro for the development of micro businesses in dalam hal pengelolaan keuangan, perencanaan terms of financial management, business usaha dan pemasaran. planning and marketing. Selain pemahaman dan keahlian yang lebih baik dalam mengelola usaha, pengenalan terhadap teknologi juga diharapkan dapat lebih membuka akses teknologi yang lebih luas untuk perempuan, yang pada akhirnya diharapkan dapat memperkuat posisi perempuan di dalam masyarakat.

In addition to understanding and better expertise in managing the business, the introduction of the technology is also expected to open more access to technology for women, which in turn could strengthen the position of women in the society.

Pelatihan Teknologi Keuangan Digital untuk kepada 800 pengusaha mikro / Training on Digital Finance Techonology for 800 micro-entrepreneurs


Penghargaan Awards Ten Outstanding Young Person Indonesia (TOYP) 2014 dari Junior Chamber International Di April 2014, Pendiri Amartha, Andi Taufan Garuda Putra, mendapatkan penghargaan TOYP Indonesia 2014. Setiap tahun, JCI menganugerahi 10 orang pemuda di bawah usia 40 yang aktif memberikan contoh semangat dan layanan yang luar bisa kepada masyarakat.

Ten Outstanding Young Person Indonesia (TOYP) 2014 from the Junior Chamber International In April 2014, Amartha’s Founder, Andi Taufan Garuda Putra, received the TOYP Indonesia Award 2014. Annually, JCI gave awards to 10 youths under the age of 40 who actively give positive example and outstanding service to the community.

JCI (Junior Chamber International) adalah organisasi kepemudaan dunia yang dibentuk di tahun 1913 dan tersebar di 130 negara dengan sekitar 300.000 anggota. Di Indonesia JCI telah hadir sejak 1983 dan kini mencapai 30 chapter dengan 800 anggota.

JCI (Junior Chamber International) is a world-wide youth organisation which was formed in 1913 and it is now in 130 countries with around 300.000 members. In Indonesia, JCI was established in 1983 and now has reached 30 chapters with 800 members.

Indonesia Youngster Inc Entrepreneur Champion dari Majalah SWA Pada tanggal 21 Juni 2014 Majalah SWA memberi penghargaan kepada 10 pengusaha muda di Indonesia salah satunya adalah Andi Taufan Garuda Putra.

Indonesia Youngster Inc Entrepreneur Champion from SWA Magazine On 21 June 2014, SWA Magazine awarded 10 young entrepreneurs in Indonesia and one of them was Andi Taufan Garuda Putra. SWA

Majalah SWA adalah majalah bisnis terkemuka yang secara berkala mengadakan beragam ajang penghargaan bisnis untuk individu maupun institusi. Majalah SWA memiliki rubrik khusus Indonesia Youngster Inc. yang mengulas geliat bisnis anak muda Indonesia. Rubrik ini dirancang khusus untuk turut mendorong semangat kewirausahaan generasi muda di Indonesia.

SWA Magazine is a well-known magazine which regularly conducts business award events for both individuals and institutions. SWA Magazine has a special rubric i.e. Indonesia Youngster Inc. that covers the growing Indonesian youth’s businesses. This rubric is particulary designed to support the spirit of entrepreneurship of young generation in Indonesia.


Laporan Posisi Keuangan Statements of Financial Position 30/04/2014 (Rp) ASET ASET LANCAR Kas dan setara kas Piutang pembiayaan Murabahah Ijarah Qardul hasan Beban dibayar dimuka Persediaan barang cetakan Jumlah aset lancar

31/05/2014 (Rp)

30/06/2014 (Rp)

1,439,676,089

1,168,135,568

1,207,118,407

3,855,410,000 620,226,000 8,690,100 71,714,618 15,415,400 6,011,132,207

3,960,474,000 678,200,000 6,123,500 131,917,952 23,765,400 5,968,616,420

4,222,282,000 736,522,000 22,286,050 183,624,170 23,765,400 6,395,598,027

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

491,232,293 (151,349,138) 49,646,667 389,529,822

493,630,293 (162,815,543) 48,518,333 379,333,083

557,702,793 (171,528,443) 47,390,000 433,564,350

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

JUMLAH ASET

6,400,662,029

6,347,949,503

6,829,162,377

TOTAL ASSETS

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

605,320,200 442,000,000 3,745,547,819 175,721,640 172,400,179 5,140,989,838

637,403,200 442,000,000 3,656,954,472 168,657,640 174,118,517 5,079,133,829

619,627,700 986,000,000 3,504,887,814 221,707,640 215,864,326 5,548,087,480

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 8,400,000 254,730,000 512,089,046 196,246,941 282,606,204 1,259,672,191

5,600,000 8,400,000 254,730,000 512,089,046 196,246,941 291,749,687 1,268,815,673

5,600,000 8,400,000 254,730,000 512,089,046 196,246,941 304,008,910 1,281,074,897

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

JUMLAH LIABILITAS DAN EKUITAS

6,400,662,029

6,347,949,503

6,829,162,377

TOTAL LIABILITIES AND EQUITY

Total aset bernilai Rp 6.8 miliar hingga akhir Total assets were Rp 6.8 billion by the end of 2K2014. Piutang pembiayaan anggota adalah 2Q2014. The members financing receivables sebesar Rp 4.9 miliar atau 73% dari total aset. were Rp 4.9 billion or 73% of the total assets. Total kewajiban bernilai Rp 5.5 miliar hingga akhir 2K2014, di mana komposisi 63% merupakan hutang pembiayaan. Sementara itu, modal pada akhir 2K2014 adalah Rp 1.3 miliar. Rasio kewajiban per modal adalah 433%.

Total liabilities were amounting to Rp 5.5 billion by the end of 2Q2014, of which the 63% composition was in the form of financing. Meanwhile, the equity at the end of 2Q2014 was Rp 1.3 billion. Debt to equity ratio was 433%.


Laporan Sisa Hasil Usaha Statements of Operating Result 30/04/2014 (Rp)

31/05/2014 (Rp)

30/06/2014 (Rp)

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

600,769,000 95,213,100 49,933,127

770,636,900 122,491,300 62,897,816

971,975,700 157,890,200 77,059,582

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

Jumlah

745,915,227

956,026,016

1,206,925,482

Total

BEBAN PEMBIAYAAN

(187,865,295)

(255,529,815)

(308,028,475)

FINANCING EKPENSES

BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pajak Pemeliharaan Penyusutan Umum administrasi

(334,168,687) (13,666,666) (11,738,000) (4,982,300) (47,115,148) (85,392,929)

(430,351,387) (17,083,333) (11,738,000) (6,374,300) (59,709,886) (111,964,489)

(568,483,672) (23,404,166) (11,840,296) (7,513,300) (71,370,348) (126,621,062)

OPERATING EKPENSES Salaries Office rent Tax Maintenance Depreciation General and administration

Jumlah

(497,063,729)

(637,221,395)

(809,232,845)

Total

63,274,807

89,664,162

OPERATING RESULT

SISA HASIL USAHA OPERASIONAL

60,986,204

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

231,670,000 (10,050,000)

238,584,880 (10,110,000)

255,454,748 (41,110,000)

OTHER INCOMES (EXPENSES) Other incomes Other expenses

Jumlah

221,620,000

228,474,880

214,344,748

Total

SISA HASIL USAHA BERSIH

282,606,204

291,749,687

304,008,910

NET OPERTING RESULT

Rata-rata pendapatan pembiayaan per bulan The average financing income per month during selama 2K2014 adalah sekitar Rp 212.2 juta. 2Q2014 was approximately Rp 212.2 million. Rata-rata beban operasional per bulan selama The average operating expense per month 2K2014 adalah Rp 152.4 juta. during 2Q2014 was Rp 152.4 million. Selama 2K2014, beban gaji mencapai 71% dari seluruh beban operasional setiap bulannya.

During 2Q2014, salaries accounted for 71% of the entire operating expenses per month.


Rencana untuk Kuartal 3 Tahun 2014 Plan for Quarter 3 Year 2014 Jangkauan Pada kuartal ketiga 2014, Amartha akan melanjutkan survei untuk wilayah pelayanan cabang ke-6 & 7. Pengembangan wilayah baru dan pemadatan pada wilayah yang sudah dilayani akan terus dilaksanakan untuk 5 kantor cabang yang sudah beroperasi.

BULAN/MONTH Jul/Jul 2014 Agus/Aug 2014 Sep/Sep 2014

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

Perekrutan dan Penguatan Karyawan dan Manajemen Pada 3K2014, Amartha akan terus memfokuskan perhatian terhadap perekrutaan pendamping lapangan dalam rangka pembukaan cabang ke-6 di akhir 3K2014 dan cabang ke-7 di awal 4K2014. Proses pelatihan karyawan dan manajemen terus dilakukan dengan ikutsertakan pada pelatihan internal maupun eksternal.

Outreach During the third quarter of 2014, Amartha is going to resume the survey for the sixth ad seventh branch. The expansion to the new areas and densification of the current markets will be continued to take place for the 5 branches which have been operating.

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

Staff and Management Recruitment and Reinforcement In 3Q2014, Amartha will continue to focus on the recruitment of field officers in order to open the sixth branch at the end of 3Q2014 and seventh branch at the beginning of 4Q2014. 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 Management and Governance Audit Portofolio akan dilaksanakan pada bulan Portfolio Audit will be undertaken in August Agustus 2014 oleh tim Audit Internal Amartha. 2014 by Amartha’s Internal Audit Team. 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.

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 11,990.1 (per 30 June 2014) LAPORAN POSISI KEUANGAN

STATEMENTS OF FINANCIAL POSITION 30/04/2014 ($)

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

31/05/2014 ($)

30/06/2014 ($)

120,072.07

97,425.01

100,676.26

321,549.44 51,728.18 724.77 5,981.15 1,285.68 501,341.29

330,312.01 56,563.33 510.71 11,002.24 1,982.09 497,795.38

352,147.35 61,427.51 1,858.70 15,314.65 1,982.09 533,406.56

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

40,969.82 (12,622.84) 4,140.64 32,487.62

41,169.82 (13,579.16) 4,046.53 31,637.19

46,513.61 (14,305.84) 3,952.43 36,160.19

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

JUMLAH ASET

533,828.91

529,432.57

569,566.76

TOTAL ASSETS

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

50,485.00 36,863.75 312,386.70 14,655.56 14,378.54 428,769.55

53,160.79 36,863.75 304,997.83 14,066.41 14,521.86 423,610.63

51,678.28 82,234.51 292,315.14 18,490.89 18,003.55 462,722.37

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

467.05 700.58 21,245.03 42,709.32 16,367.41 23,569.96 105,059.36

467.05 700.58 21,245.03 42,709.32 16,367.41 24,332.55 105,821.94

467.05 700.58 21,245.03 42,709.32 16,367.41 25,354.99 106,844.39

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

JUMLAH LIABILITAS DAN EKUITAS

533,828.91

529,432.57

569,566.76

TOTAL LIABILITIES AND EQUITY


Lampiran Appendix $ 1 = Rp 11,990.1 (per 30 June 2014) LAPORAN SISA HASIL USAHA 30/04/2014 ($) PENDAPATAN Pendapatan pembiayaan Pendapatan dari murabahah 50,105.42 Pendapatan dari ijarah 7,940.98 Pendapatan jasa administrasi 4,164.53

STATEMENT OF OPERATING RESULT 31/05/2014 ($)

30/06/2014 ($)

64,272.77 10,216.04 5,245.81

81,064.85 13,168.38 6,426.93

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

62,210.93

79,734.62

100,660.17

Total

BEBAN PEMBIAYAAN

(15,668.37)

(21,311.73)

(25,690.23)

FINANCING EKPENSES

BEBAN OPERASIONAL Gaji karyawan Sewa kantor Pajak Pemeliharaan Penyusutan Umum administrasi

(27,870.38) (1,139.83) (978.97) (415.53) (3,929.50) (7,121.95)

(35,892.23) (1,424.79) (978.97) (531.63) (4,979.93) (9,338.08)

(47,412.75) (1,951.96) (987.51) (626.63) (5,952.44) (10,560.47)

OPERATING EKPENSES Salaries Office rent Tax Maintenance Depreciation General and administration

Jumlah

(41,456.18)

(53,145.63)

(67,491.75)

Total

5,086.38

5,277.25

7,478.18

OPERATING RESULT

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

19,321.77 (838.19)

19,898.49 (843.20)

21,305.47 (3,428.66)

OTHER INCOMES (EXPENSES) Other incomes Other expenses

Jumlah

18,483.58

19,055.29

17,876.81

Total

SISA HASIL USAHA BERSIH

23,569.96

24,332.55

25,354.99

NET OPERTING RESULT

Jumlah

SISA HASIL USAHA OPERASIONAL


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 2 Tahun 2014 April Juni 2014 Progress Report Quarter 2 Year 2014 April June 2014

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