horizon of growth - indonesia stock exchangependanaan 638.807 671.865 567.363 517.662 480.889...
TRANSCRIPT
Horizon of Growth
Laporan Tahunan 2019 Annual Report
New ChalleNges & New OppOrtuNities
FuNdameNtal reFiNemeNt FOr strONger FOuNdatiON
traNsFOrm the pOwer withiN
sOar tO greater heights
2015 2016 2017 2018
Kesinambungan TemaTheme Continuity
Perkuatan fundamental dan inovasi digital untuk mendukung pertumbuhan bisnis yang sehat dan stabil menjadi fokus utama Perseroan sepanjang tahun 2019. Perkuatan fundamental dilakukan melalui peningkatan kualitas dan integritas SDM dan implementasi pembaharuan core system untuk menghasilkan proses bisnis yang efisien dan transparan.
Untuk mendukung pengembangan bisnis, Perseroan juga terus meningkatkan kapasitas pendanaan baik melalui perbankan maupun penerbitan obligasi berkelanjutan di pasar modal. Kepercayaan dari para mitra bisnis yang terus terjaga turut menopang produktivitas Perseroan.
Tercatat penyaluran pembiayaan sebesar Rp5,8 triliun atau 355 ribu unit. Laba bersih sebesar Rp260 miliar, imbal hasil atas ekuitas di level 21,1% dan imbal hasil atas aset 4,4%. Peningkatan produktivitas diiringi dengan kualitas pembiayaan yang semakin baik sebagai salah satu indikator pengelolaan usaha yang semakin prudent.
Pencapaian yang telah diraih menjadi fondasi bagi Perseroan untuk tetap menjadi salah satu perusahaan pembiayaan terkemuka di Tanah Air.
The Company’s focus in 2019 encompassed of strengthening the fundamental and digital innovation to foster sound and stable business growth. The strengthening of fundamental was set upon the enhancement of HR quality and integrity including the renewal of core system for the creation of efficient and transparent business processes.
The Company also continually improves its financing capacities so as to support business development, which is carried out through banking as well as the issuance of shelf bonds in the capital market. Continuous preservation of the business partners’ trust also reinforces the Company’s productivity.
The Company recorded financing disbursement of Rp5,8 trillion or reaching 355 thousand units. Net profit was at Rp260 billion, return on equity of 21.1% and return on assets at 4.4%. The increase of productivity is in coherent with improved financing quality, as one of the indicators of increasingly prudent business management.
Such achievements become the Company’s foundation to remain as one of the prominent companies in Indonesia.
Horizon of Growth2019
SOAR TO GREATER HEIGHTS 1PT WAHANA OTTOMITRA MULTIARTHA TbK
Ikhtisar UtamaPerformance Highlights
06 Ringkasan Kinerja 2019Performance Highlights 2019
08 Ringkasan Kinerja Keuangan 20192019 Financial Performance Highlights
10 Ikhtisar KeuanganFinancial Highlights
18 Ikhtisar SahamShares Highlights
19 Ikhtisar ObligasiBonds Highlights
20 Aksi KorporasiCorporate Actions
22 Penghentian SementaraPerdagangan Saham /Penghapusan Pencatatan SahamSuspension / Delisting
24 Peristiwa PentingEvents Highlights
Analisis &PembahasanManajemenManagement’s Discussion & Analysis
140 Analisis & PembahasanManajemenManagements Discussion &Analysis
146 Tinjauan Operasional Per Segmen UsahaBusiness Segment Operations Overview
152 Kinerja KeuanganFinancial Review
172 Teknologi InformasiInformation Technology
175 Sumber Daya ManusiaHuman Capital
Profil PerusahaanCompany Profile
52 Identitas PerusahaanCompany Identity
53 Sekilas WOM FinanceWOM Finance at a Glance
55 Bidang UsahaLines of Business
57 Logo PerusahaanCorporate Logo
58 Jejak LangkahMilestones
60 Struktur OrganisasiOrganization Structure
62 Visi, Misi & Nilai PerusahaanVision, Mission & CorporateValues
64 Profil Dewan KomisarisBoard of Commissioners’ Profile
69 Profil DireksiBoard of Director’s Profile
74 Profil Dewan Pengawas SyariahSharia Supervisory Board
77 Pejabat SeniorSenior Management
84 Demografi KaryawanEmployees Demography
87 Komposisi Pemegang SahamShareholders Composition
90 Profil Pemegang SahamShareholders Profile
93 Daftar Entitas Anak & Entitas AsosiasiSubsidiaries & Associates
94 Struktur Grup PerusahaanGroup Structure
96 Kronologi Penerbitan SahamShares Chronology
113 Kronologi Penerbitan Efek LainOther Stocks Chronology
116 Nama dan Alamat Lembaga & Profesi PenunjangName and Address of SupportingInstitutions & Professions
LaporanManajemenManagement Reports
28 Laporan Dewan KomisarisBoard of Commissioner’s Report
36 Dewan KomisarisBoard of Commissioners
38 Laporan DireksiBoard of Director’s Report
46 DireksiBoard of Directors
48 Pernyataan Tanggung Jawab Laporan Tahunan 2018 oleh Dewan Komisaris dan DireksiStatements of Accountability of2018 Annual Report by the Board of Commissioners and Board of Directors
Daftar IsiTable of Contents
119 Penghargaan & SertifikasiAwards & Certifications
122 Informasi pada WebsitePerusahaanCorporate Website Information
123 Pendidikan & Pelatihan Dewan Komisaris, Direksi, Komite-komite, Sekretaris Perusahaan, dan Unit Audit InternalEducation & Training of the Board of Commissioners, Board of Directors, Committees, Corporate Secretary, & Internal Audit Unit
126 Wilayah OperasionalOperational Areas
128 Alamat Kantor, Kantor Cabang & Kantor Selain Kantor CabangAddresses Of Office, Branch Offices & Other Branches
01 03
0204
TanggungJawab Sosial PerusahaanCorporate Social Responsibility
340 Tanggung Jawab SosialPerusahaanCorporate Social Responsibility
350 Tanggung Jawab Sosial Perusahaan Bidang Lingkungan HidupEnvironmental Responsibility
352 Tanggung Jawab Sosial Perusahaan Bidang Sosial KemasyarakatanSocial And Community Development Responsibility
356 Kaleidoskop Kegiatan CSR tahun 2019Caleidoscope of CSR Activities in 2019
358 Tanggung Jawab Sosial Perusahaan Bidang Ketenagakerjaan, Kesehatan dan Keselamatan KerjaResponsibility Toward Employment, Occupational Health and Safety
358 Tanggung Jawab Kepada KonsumenResponsibility Toward Customers
LaporanKeuangan 2019Financial Statements 2019
Tata KelolaPerusahaanCorporate Governance
184 Tata Kelola PerusahaanCorporate Governance
212 Rapat Umum Pemegang SahamGeneral Meeting of Shareholders
235 Dewan KomisarisBoard of Commissioners
246 Komisaris IndependenIndependent Commisioner
249 DireksiBoard of Directors
261 Dewan Pengawas SyariahSharia Supervisory Board
264 Kebijakan RemunerasiDewan Komisaris dan Direksi Remuneration Policy of The Board of Commissioners and Board of Directors
266 Rapat Dewan Komisarisdan DireksiMeetings of The Board of Commissioners and Board of Directors
270 Hubungan Afiliasi Antara Anggota Direksi, Dewan Komisaris dan Pemegang Saham Utama & PengendaliAffilliates Between Members ofThe Board of Directors, Board of Commissioners, and Ultimate & Controling Shareholders
273 Komite AuditAudit Committee
279 Komite Nominasi dan RemunerasiNomination and RemunerationCommittee
284 Komite Pemantau RisikoRisk Oversight Committee
286 Komite DireksiBoard of Director’s Committee
290 Unit Audit InternalInternal Audit Unit
293 Sistem Pengendalian InternalInternal Control System
297 Akuntan PublikPublic Accountant
298 Manajemen RisikoRisk Management
315 Sekretaris PerusahaanCorporate Secretary
319 Perkara HukumLitigation
324 Sanksi AdministratifAdministrative Sanctions
324 Akses Informasi dan Data PerusahaanInformation Access andCorporate Data
328 Kode EtikCode of Conduct
330 Budaya Kerja PerusahaanCorporate Culture
331 Kebijakan Mengenai Keberagaman Komposisi Dewan Komisaris dan DireksiPolicy of Diversity of The Boardof Commissioners and Board ofDirectors Composition
332 Sistem Pelaporan PelanggaranWhistleblowing System
05 06
07
366 Laporan Keuangan 2019Financial Statements 2019
Performance Highlights
IkhtisarUtama
Perseroan mencatatkan pertumbuhan laba bersih sebesar 21% menjadi Rp 260 miliar dan peningkatan kualitas Portfolio pembiayaan
The Company recorded net profit growth of 21% to Rp 260 billion and improve of financing quality portfolio
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH6
KinerjaOperasionalOperational Performances
Laba Tahun Berjalan sebesar
di tahun 2019 meningkat 21% dari Rp215 miliar di tahun 2018.
rp 260
Profit for the year in 2019 was Rp 260 billion increased by 21% from Rp215 billion in 2018.
Total revenues increased by 1.05% to Rp2.64 trillion from Rp2.62 trillion in the previous year.
Total pendapatan naik 1,05% menjadi
rp2,64 triliunmiliar
di tahun 2019 dari tahun sebelumnya Rp2,62 triliun.
LAPORAN TAHUNAN 2019 HORIzON Of GROWTH6
Total PendapatanLaba Tahun BerjalanTotal revenues Profit for the year
Ringkasan Kinerja 2019Performance Highlights 2019
Horizon of GrowtH 7PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
Total financing reached 355 thousand units, which remain dominated by multipurpose financing of MotorKu dan MobilKu reached 196 thousand units. New motorcycle financing reached 142 thousand units.
HORIzON Of GROWTH 7PT WAHANA OTTOMITRA MULTIARTHA TbK
Total penyaluran pembiayaan tercatat sebesar rp5,8 triliun
Total pembiayaan mencapai 355 ribu unit, yang didominasi produk multiguna jasa – MotorKu dan MobilKu sebanyak 196 ribu unit. Pembiayaan sepeda motor baru sebanyak 142 ribu unit.
Total PembiayaanTotal Financing
Total Penyaluran PembiayaanTotal Financing Disbursement
Total Financing Disbursement was recorded at Rp5,8 trillion.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH8
KinerjaKeuanganFinancial Review
LAPORAN TAHUNAN 2019 HORIzON Of GROWTH8
Aset menurun sebesar 6,3%
menjadi rp8,27 triliun dibandingkan tahun 2018 yang
sebesar Rp8,83 triliun
Total assets of Rp8.27 trillion, decreased by 6.3% from Rp8.83 trillion in 2018.
Total Aset Total LiabilitasTotal Asset Total Liabilities
Total liabilitas mencapai
turun 9,9% dari sebelumnya
Rp7,66 triliun.
rp6,90 triliun
Total liabilities reached Rp6.90 trillion, decreased by 9.9% from Rp7.66 trillion.
RINGKASAN KINERJA 2019Financial Highlights
Horizon of GrowtH 9PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
• Rasio pembiayaan bermasalah atau NPF gross 2,0%.• Return on Equity (ROE) menjadi 21,1%.• Return on Assets (ROA) menjadi 4,4%. • Gearing Ratio 4,2 kali lipat.
• Gross NPF at 2.0%.• Return on Equity (ROE) at 21,1%.• Return on Assets (ROA) of 4.4%.• Gearing Ratio of 4.2 times.
Rasio-Rasio Keuangan PentingKey Financial Ratios
HORIzON Of GROWTH 9PT WAHANA OTTOMITRA MULTIARTHA TbK
Total EkuitasTotal Equity
Total equity amounted to Rp1,37 trilion, an increase of 17% from Rp1,17 trilion in the previous year.
Total Ekuitas sebesar Rp1,37 triliun, meningkat sebesar
17% dari Rp1.17 triliun di tahun sebelumnya.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH10
IKHTISAR KEUANGANFinancial Highlights
laporan laba rugi dan penghasilan Komprehensif lainStatement of Profit or Loss and Other Comprehensive Income
Dalam Rp Juta | In Rp Million
uraian 2019 2018 2017 2016 2015 description
Pembiayaan Konsumen Neto
2.073.049 2.087.765 1.544.794 1.316.910 977.660 Consumer Financing – Net
Bunga 35.625 18.717 21.455 21.596 25.189 Interest
Administrasi 175.357 257.601 335.310 326.894 459.085 Administration
Lain-lain 359.656 252.031 252.872 262.485 278.413 Others
Total Pendapatan 2.643.687 2.616.114 2.154.431 1.927.885 1.740.347 Total Revenues
Beban expenses
Umum dan Administrasi
736.503 690.117 604.830 537.897 506.967 General and Administrative
Gaji dan Tunjangan 440.393 439.535 381.675 342.217 376.614 Salaries and Benefits
Pendanaan 638.807 671.865 567.363 517.662 480.889 Financing Costs
Pembentukan Cadangan Kerugian Penurunan Nilai
404.929 474.284 325.768 384.771 317.046 Provision for Impairment Losses
Penyusutan 44.929 37.104 30.249 19.359 27.828 Depreciation
Lain-lain 7.060 16.046 2.794 91.303 7.216 Others
Total Beban 2.272.621 2.328.951 1.912.679 1.893.209 1.716.560 Total Expenses
Laba Sebelum Beban Pajak Final dan Beban (Manfaat) Pajak penghasilan
371.066 287.163 241.752 34.676 23.787 Income Before Final Tax Expense and Income Tax Expense (Benefit)
Beban Pajak Final dan Beban (Manfaat) Pajak Penghasilan
111.395 71.980 61.087 (25.627) 8.120 Final Tax Expense and Income Tax Expense
(Benefit)
Laba tahun berjalan 259.671 215.183 180.665 60.303 15.667 Income for the Year
pos yang tidak akan direklasifikasi ke laba rugi
items that will not be reclassified to profit
or loss
Keuntungan Kerugian (Actuarial)
4.870 27.506 (8.203) (793) 12.921 Actuarial Gain (Loss)
Pajak Penghasilan (1.218) (6.877) 2.051 198 (3.230) Income Tax
Laba (Rugi) Komprehensif Lainnya - Neto Setelah Pajak
3.652 20.629 (6.152) (595) 9.691 Other Comprehensive gain (Loss) - Net Of Tax
Total Laba Komprehensif Tahun Berjalan
263.323 235.812 174.513 59.708 25.358 Total Comprehensive Income for The Year
Laba per Saham Dasar (dinyatakan dalam nilai Rupiah penuh)
74,59 61,81 51,89 17,32 4,67 Basic Earnings per Share (Expressed In Full
Rupiah Amount)
Horizon of GrowtH 11PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlights
laporan posisi KeuanganStatement of Financial Position
Ikhtisar KeuanganFinancial Highlights
Dalam Rp Juta | In Rp Million
uraian 2019 2018 2017 2016 2015 description
Kas dan Setara Kas 751.561 1.243.576 684.303 547.353 853.966 Cash and Cash Equivalents
Piutang Pembiayaan Konsumen – Neto
7.205.215 7.243.068 6.796.231 5.860.176 4.190.347 Consumer Financing Receivables – Net
Piutang Lain-Lain 46.574 72.344 57.981 82.453 74.721 Other Receivables
Biaya Dibayar Dimuka dan Uang Muka
76.904 119.014 101.642 76.682 76.317 Prepaid Expenses and Advances
Aset Tetap - Setelah Dikurangi Akumulasi Penyusutan
111.672 109.629 66.137 71.014 45.192 Property and Equipment - Net of Accumulated
Depreciation
Aset tidak berwujud setelah dikurangi akumulasi penyusutan
32.084 - - - - Net Intangible Assets - Net of Accumulated
Depreciation
Aset Pajak Tangguhan - Neto
33.938 32.437 37.132 31.039 - Deferred Tax Assets
Aset Lain-Lain 13.222 7.239 2.306 2.199 65.726 Other Assets
Total Aset 8.271.170 8.827.307 7.745.732 6.670.916 5.306.269 Total Assets
Utang Bank 3.622.876 4.559.701 3.082.884 2.556.549 1.700.389 Bank Loans
Biaya Masih Harus Dibayar
92.563 96.114 69.022 51.895 36.601 Accrued Expenses
Utang Pajak 39.337 3.093 30.000 126.115 3.355 Taxes Payable
Utang Lain-Lain 158.307 239.197 263.164 279.694 190.817 Other Payable
Utang Obligasi - Neto
2.651.540 2.528.597 3.062.543 2.619.559 2.297.481 Bonds Payable - Net
Liabilitas Imbalan Kerja
135.970 128.944 148.307 121.805 103.933 Liability for Employee Benefits
Liabilitas Pajak Tangguhan – Neto
- - - - 118.102 Deferred Tax Liabilities – Net
Utang Subordinasi 200.000 100.000 100.000 100.000 100.000 Subordinated Loan
total liabilitas 6.900.593 7.655.646 6.755.920 5.855.617 4.550.678 total liabilities
total ekuitas 1.370.577 1.171.661 989.812 815.299 755.591 total equity
total liabilitas dan ekuitas
8.271.170 8.827.307 7.745.732 6.670.916 5.306.269 total liabilities and equity
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH12
Ikhtisar KeuanganFinancial Highlights
rasio KeuanganFinancial Ratios
uraian 2019 2018 2017 2016 2015 description
rasio usaha (%) Operating ratios (%)
Laba Sebelum Pajak/Pendapatan Usaha
14,0 10,9 11,2 1,8 1,4 Income Before Tax/
Revenues
Pendapatan Usaha* 9,8 8,2 8,4 3,1 0,9 Revenues
Total Ekuitas* 18,9 18,4 18,3 7,4 2,1 Total Equity
Total Aset* 3,1 2,4 2,3 0,9 0,3 Total Assets
Pendapatan Usaha/Total Aset
31,9 29,6 27,8 28,9 32,8 Revenues/Total Assets
rasio Keuangan (%)
Financial ratios (%)
Total Liabilitas/Total Ekuitas
5,0 6,5 6,8 7,2 6,0 Total Liabilities/Total
Equity
Total Liabilitas/Total Aset 0,8 0,9 0,9 0,9 0,9
Total Liabilities/Total Assets
Gearing Ratio 4,2 5,7 5,7 5,8 4,8 Gearing Ratio
rasio pertumbuhan (%)
growth ratios (%)
Total Pendapatan Usaha
1,0 21,4 11,8 10,8 11,4 Total Revenues
Laba Tahun Berjalan 20,7 19,1 199,6 284,9 (57,9) Profit for The Year
Total Aset (6,3) 14,0 16,1 25,7 0,1 Total Assets
Total Liabilitas (9,9) 13,3 15,4 28,7 (4,6) Total Liabilities
total ekuitas 16,9 18,4 21,4 7,9 41,9 total equity
*Pendapatan Usaha merupakan Laba Setelah Pajak dibagi dengan Total Pendapatan Usaha | Operating Income is a Profit After Tax divided by Total Operating Income
Total Ekuitas merupakan Laba Setelah Pajak dibagi dengan Total Ekuitas | Total Equity is a Profit After Tax divided by Total Equity
Total Aset merupakan Laba Setelah Pajak dibagi Total Aset | Total Assets is a Profit After Tax divided by Total Assets
Horizon of GrowtH 13PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlights
Ikhtisar KeuanganFinancial Highlights
informasi lainnya 2019 2018 2017 2016 2015 Other information
a. total pembiayaan (dalam unit)
a. total Financing(in unit)
Sepeda Motor Baru 142.089 222.488 240.863 234.343 344.342 New Bike
Sepeda Motor Bekas 16.968 29.834 32.590 48.558 73.591 Used Bike
Multiguna Jasa-MotorKu 174.027 203.163 181.078 141.764 143.796Multipurpose
Services-MotorKu
Multiguna Jasa-MobilKu 22.011 17.369 10.397 4.274 3.235Multipurpose
Services-MobilKu
total pembiayaan 355.095 472.854 464.928 428.939 564.964 total Financing
total pembiayaan (dalam rp miliar)
total Financing (in rp Billion)
Sepeda Motor Baru 2.702 3.949 4.134 3.666 4.596 New Bike
Sepeda Motor Bekas 178 301 312 424 614 Used Bike
Multiguna Jasa-MotorKu 1.410 1.568 1.340 992 1.000 Multipurpose Services-MotorKu
Multiguna Jasa-MobilKu 1.500 1.165 659 269 203 Multipurpose Services-MobilKu
total pembiayaan 5.791 6.983 6.445 5.351 6.413 total Financing
B. piutang pembiayaan Konsumen yang dikelola (dalam rp miliar)
7.746 8.712 8.145 7.573 8.758
B. Consumer Financing
receivables under management (in rp
billion)
C. total Konsumen 723.636 842.672 853.822 908.951 1.09 juta/milion
C. total Consumer
d. total Karyawan 3.228 3.568 3.006 3.178 3.489 d. total employees
e. Jaringan usaha 186 193 188 170 181 e. Business Network
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH14
total pembiayaan (unit)Total Financing (Unit)
total pembiayaan (rp miliar)Total Financing (Billion)
Ikhtisar KeuanganFinancial Highlights
pembiayaan (rp miliar)
6,000
8,000
4,000
2,000
2015 2016 2017 2018 20190
pembiayaan (unit)
600,000
400,000
200,000
2015 2016 2017 2018 20190
800,000
564,964
428,939464,928 472,854
6,9386,445
5,351
6,413
355,095
5,791
Horizon of GrowtH 15PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlights
piutang pembiayaan dikelolaFinancing Receivables Under Management
total asetTotal Assets
total aset (rp miliar)10,000
7,500
5,000
2,500
02015 2016 2017 2018 2019
Ikhtisar KeuanganFinancial Highlights
8,8277,746
6,671
5,306
8,271
piutang pembiayaan dikelola (rp miliar)
2015 2016 2017 2018 2019
8,7128,1457,573
8,758
7,746
10,000
7,500
5,000
2,500
0
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH16
total ekuitasTotal Equity
total ekuitas (rp miliar)
2015 2016 2017 2018 2019
1,500
750
375
0
total liabilitasTotal Liabilities
total liabilitas (rp miliar)
2015 2016 2017 2018 2019
10,000
7,500
5,000
2,500
0
Ikhtisar KeuanganFinancial Highlights
6,901
1,371
7,656
1,171
990815
755
6,7565,856
4,551
1,125
Horizon of GrowtH 17PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlights
total pendapatanTotal Revenues
laba BersihNet Profit
total pendapatan (rp miliar)
2015 2016 2017 2018 2019
3,000
2,250
1,500
0
Ikhtisar KeuanganFinancial Highlights
laba Bersih (rp miliar)
225
300
150
75
2015 2016 2017 2018 20190
2,644
260
2,616
2,1541,9281,740
16
60
181
215
750
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH18
IKHTISAR SAHAMShares Highlights
pergerakan harga saham 2019 & 2018Share Price Movement 2019 & 2018
2019
periodePeriod
Jumlahsaham yang
BeredarTotal Outstanding
Shares
harga tertinggiHighest Nominal
harga terendah
Lowest Nominal
harga penutupan
Closing Nominal
Kapitalisasi pasarMarket Capitalization
Triwulan 1 3.481.481.480 416 310 350 1.218.518.518.000
Triwulan 2 3.481.481.480 370 288 320 1.114.074.073.600
Triwulan 3 3.481.481.480 336 240 264 919.111.110.720
Triwulan 4 3.481.481.480 298 240 278 967.851.851.440
2018
periodePeriod
Jumlahsaham yang
BeredarTotal Outstanding
Shares
harga tertinggiHighest Nominal
harga terendah
Lowest Nominal
harga penutupan
Closing Nominal
Kapitalisasi pasarMarket Capitalization
Triwulan 1 3.481.481.480 328 196 270 939.999.999.600
Triwulan 2 3.481.481.480 298 268 278 967.851.851.440
Triwulan 3 3.481.481.480 350 272 290 1.009.629.629.200
Triwulan 4 3.481.481.480 322 284 312 1.086.222.221.760
Volume (2nd axis) Pricing Close (1st axis)
450 8,000
7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
400
350
300
250
200
150
100
50
01 Januari |
January 20191 Febuari |
February 20191 Maret | March
20191 April 2019 1 Mei | May
20191 Juni | June
20191 Juli | July
20191 Agustus |
August 20191 Oktober |
October 20191 Desember |
December 20191 September
20191 November
2019
Horizon of GrowtH 19PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlightsIKHTISAR ObLIGASIBonds Highlights
Nama ObligasiBonds
seriseries
tingkat Bunga
Coupon rate
Nominaltanggal
pencatananlisting date
Jatuh tempomaturity total Outstanding
Obligasi Berkelanjutan II Tahap II Tahun 2017 I Shelf Bonds II Tranche II 2017
Seri B 8,90% Rp320.500.000.000 22 Agustus 2017August 22, 2017
22 Agustus 2020 August 22, 2020
Rp320.500.000.000
Obligasi Berkelanjutan II Tahap III Tahun 2017 I Shelf Bonds II Tranche III 2017
Seri B 8,45% Rp266.000.000.000 6 Desember 2017
December 6, 2017
6 Desember 2020December 6, 2020
Rp266.000.000.000
Obligasi Berkelanjutan II Tahap IV Tahun 2018 I Shelf Bonds II Tranche IV 2018
Seri B 7,50% Rp55.000.000.000 6 April 2018April 6, 2018
6 April 2020April 6, 2020
Rp167.000.000.000
Seri C 8,15% Rp112.000.000.000 6 April 2018April 6, 2018
6 April 2021April 6, 2021
Obligasi BerkelanjutanII Tahap V Tahun 2018 IShelf Bonds II TrancheV 2018
Seri B 8.60% Rp67.500.000.000 8 Juni 2018June 8, 2018
8 Juni 2021June 8, 2021
Rp67.500.000.000
Obligasi BerkelanjutanIII Tahap I Tahun 2018 IShelf Bonds III TrancheI 2018
Seri B 9.75% Rp40.000.000.000 20 Desember 2018
December 20, 2018
20 Desember 2020December 20, 2020
Rp159.000.000.000
Seri C 10.00% Rp119.000.000.000 20 Desember 2018
December 20, 2018
20 Desember 2021December 20, 2021
Obligasi Berkelanjutan III WOM Finance Tahap II Tahun 2019Shelf Bonds III TrancheII 2019
Seri A 8.50% Rp931.500.000.000 9 Juni 2019June 9, 2019
9 Juni 2020June 9, 2020
Rp1.675.000.000.000
Seri B 9,15% Rp125.500.000.000 13 Mei 2019 May 13, 2019
29 Mei 2021May 29, 2021
Seri C 9,18% Rp618.000.000.000 13 Mei 2019 May 13, 2019
29 Mei 2022May 29, 2022
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH20
aspek pemeringkataspect of rating
peringkatrating
Obligasi Berkelanjutan II WOM Finance Tahap IV Tahun 2018WOM Finance Shelf Bonds II Phase IV of 2018
AA-(idn)
Obligasi Berkelanjutan II WOM Finance Tahap V Tahun 2018WOM Finance Shelf Bonds II Phase V of 2018
AA-(idn)
Obligasi Berkelanjutan III WOM Finance Tahap I Tahun 2018WOM Finance Shelf Bonds III Phase I of 2018
AA-(idn)
Obligasi Berkelanjutan III WOM Finance Tahap II Tahun 2019 AA-(idn)
Perseroan melakukan aksi korporasi sebagai salah satu upaya untuk memperkuat struktur pendanaan jangka panjang dan mendukung pertumbuhan bisnis dengan merealisasikan penerbitan Obligasi III Tahap II sebesar Rp1,68 triliun dimana penerbitan aksi korporasi ini dilaksanakan melalui mekanisme Penawaran Umum Berkelanjutan (PUB).
The Company carried out corporate actions to strengthen long term funding structure and to support business growth by realizing the issuance of Bonds III Phase II amounted to Rp1.68 trillion through Rights Issue mechanisms.
AKSI KORPORASICorporate Actions
Ikhtisar ObligasiBonds Highlights
Horizon of GrowtH 21PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlights
Sampai dengan penerbitan Laporan Tahunan 2019 ini, Perseroan tidak mengalami atau mendapat penghentian sementara dalam perdagangan saham Perseroan ataupun penghapusan pencatatan saham.
By the publication of this 2019 Annual Report, the Company has not experienced or received any suspension or delisting on the Company’s shares.
PENGHENTIAN SEMENTARA PERDAGANGAN SAHAM/PENGHAPUSAN PENCATATAN SAHAMSuspension / Delisting
Penghentian Sementara Perdagangan Saham/Penghapusan Pencatatan Saham
Suspension / Delisting
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH22
PERISTIWA PENTINGEvent Highlights
Rapat Umum Pemegang SahamGeneral Meeting of Shareholders
12 maret | march 2019 10 Oktober | October 2019
Rapat Umum Pemegang Saham Tahunan dan Luar Biasa. | Annual and Extraordinary General Meeting of Shareholders.
• Sentral Senayan III Lt 28 - Bank Maybank Indonesia, Jakarta.
Rapat Umum Pemegang Saham Luar Biasa. | Extraordinary General Meeting of Shareholders.
• Sentral Senayan III Lt 28 - Bank Maybank Indonesia, Jakarta.
Horizon of GrowtH 23PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlights
Peristiwa PentingEvent Highlights
Paparan Publik Peresmian Program WOMBASTISPublic Expose Launching of WOMBASTIS Program
06 November | November 2019 26 Juli | July 2019
Paparan Publik WOM Finance. | WOM Finance Public Expose.
• Sentral Senayan III Lt 28 - Bank Maybank Indonesia, Jakarta.
Peluncuran Program WOMBASTIS. | Launching of WOMBASTIS Program.
• Hongkong Café, Jakarta.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH24
Penghargaan WOM FinanceWOM Finance Awards
10 Juli | July 2019
Service Quality Award 2019; Kategori : Financing Automotive 2W - Conventional For Achieving Excellent Total Service Quality Satisfaction Based on Customer Perception Survey SQIndex 2019. | Service Quality Award 2019; Category: Financing Automotive 2W - Conventional For Achieving Excellent Total Service Quality Satisfaction Based on Customer Perception Survey SQIndex 2019.
• Carre & Service Excellence - Jakarta.
19 september | september 2019
Infobank 15th Multifinance Award 2019; Kategori : Multifinance Berpredikat “Sangat Bagus” Atas Kinerja Keuangan Selama Tahun 2018. | Infobank 15th Multifinance Award 2019; Category: Multifinance with “Excellent” Financial Performance During 2018.
• Majalah Infobank - Jakarta.Infobank Magazine - Jakarta.
12 desember | december 2019
Tokoh Finansial Award 2019; Kategori : Peringkat ke 3 untuk Multifinance Terbaik 2019 kategori Aset diatas Rp 5 Triliun – 10 Triliun. | Tokoh Finansial Award 2019; Category: 3rd Place for The Best Multifinance 2019 in the category of Assets above Rp 5 Trillion – Rp 10 Trillion.
• Majalah Investor - Jakarta.Investor Magazine - Jakarta.
12 Juli | July 2019
Bisnis Indonesia Award 2019; Kategori : Sektor Multifinance. | Bisnis Indonesia Award 2019; Category: Multifinance Sector.
• Majalah Bisnis Indonesia - Jakarta.Bisnis Indonesia Magazine - Jakarta.
30 Oktober | October 2019
Best of The Best Awards Forbes Indonesia; Kategori : The Top 50 Listed Companies (Peringkat ke 46). | Best of The Best Awards Forbes Indonesia; Category: The Top 50 Listed Companies (46th Placed).
• Majalah Forbes Indonesia, Jakarta.Forbes Indonesia Magazine - Jakarta.
Horizon of GrowtH 25PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
IKHTISA
R UTA
MA
Performance H
ighlights
Peristiwa PentingEvent Highlights
Perjanjian Fasilitas KreditLoan Facilities Agreement
Nama Peristiwa | Event Name : Mendapat fasilitas installment loan ke 7 sebesar Rp 500 miliar dari PT Bank BCA Tbk. | Received 7th installment loans facilities from PT Bank BCA Tbk amounted to Rp 500 billion.
Tempat & Tanggal Kegiatan | Date & Place of Activity : 13 Maret | March 2019, Jakarta.
Nama Peristiwa | Event Name : Pencatatan Obligasi Berkelanjutan III WOM Finance Tahap II Tahun 2019 sebesar Rp 1.68 miliar. | Listing of Shelf Bonds III WOM Finance Phase II Year 2019 amounted to Rp 1,68 billion.
Tempat & Tanggal Kegiatan | Date & Place of Activity :13 Mei | May 2019, Jakarta.
Nama Peristiwa | Event Name : Pinjaman Subordinasi dari PT Bank Maybank Indonesia Tbk sebesar Rp 200 miliar. | Subordinated loans from PT Bank Maybank Indonesia Tbk amounted Rp 200 billion.
Tempat & Tanggal Kegiatan | Date & Place of Activity : 27 November 2019, Jakarta.
Nama Peristiwa | Event Name : Mendapat fasilitas revolving loan sebesar Rp 150 miliar dari PT Bank DBS Indonesia. | Received revolving loans facility from PT Bank DBS Indonesa amounted to Rp 150 billion.
Tempat & Tanggal Kegiatan | Date & Place of Activity :27 Februari | Febuary 2019, Jakarta.
Nama Peristiwa | Event Name : Mendapat fasilitas kredit pinjaman tetap ke 16 sebesar Rp 800 miliar dari PT Bank Panin Tbk. | Received 16th fixed loan facility from PT Bank Panin Tbk amounted to Rp 800 billion.
Tempat & Tanggal Kegiatan | Date & Place of Activity10 September 2019, Jakarta
Nama Peristiwa | Event Name : Fasilitas Medium Term Loan dari PT Bank CTBC Indonesia sebesar Rp 300 miliar. | Medium Term Loan facility from PT Bank CTBC Indonesia amounted to Rp 300 billion.
Tempat & Tanggal Kegiatan | Date & Place of Activity :18 Desember | December 2019, Jakarta.
Nama Peristiwa | Event Name : Mendapat fasilitas kredit working capital ke 6 sebesar Rp250 miliar dari PT Bank KEB-Hana. | Received 6th working capital loan facility from PT KEB-Hana Bank amounted to Rp 250 billion.
Tempat & Tanggal Kegiatan | Place & Date of Activity : 10 Mei | May 2019, Jakarta.
Nama Peristiwa | Event Name : Mendapat fasilitas kredit modal kerja sebesar Rp 500 miliar dari PT Bank Mandiri Tbk. | Received working capital loan facility from PT Bank Mandiri Tbk amounted to Rp 500 billion.
Tempat & Tanggal Kegiatan | Date & Place of Activity :20 September 2019, Jakarta.
LaporanManajemenManagement Reports
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH28
Perseroan memulai dekade berikutnya sebagai salah satu perusahaan penyedia jasa pembiayaan berbasis digital terdepan di Indonesia dengan kinerja keuangan yang solid dan fokus bisnis yang strategis. Strategi pengembangan usaha Manajemen yang meliputi pengembangan IT Core System dan kemampuan menjaga kualitas portofolio pembiayaan serta pengembangan kompetensi melalui Learning Center merupakan landasan pertumbuhan yang kuat dan faktor penting tercapainya pertumbuhan yang sehat dan stabil pada tahun 2019.
The Company embarks on its next decade as one company in Indonesia’s leading digital based financing company with a solid financial performance and strategic business focus, IT Core System enhancement and capability to maintain quality of financing portfolio including competency enrichment through Learning Center were some of notable results from the Management business development strategies thereby became a solid growth foundation and key factors in reaching the Company’s sound and stable growth in 2019.
I NyOMaN TjagerPresiden Komisaris (Komisaris Independen)President Commissioner (Independent Commissioner)
Laporan Dewan KomisarisBoard of Commissioner’s Report
LAPORAN TAHUNAN 2019 ANNUAL RePORT HORIzON Of GROWTH28
Horizon of GrowtH 29PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
Laporan Dewan KomisarisBoard of Commissioner’s Report
IKHTISA
R UTA
MA
Performance H
ighlightsPRo
fIl PeRUSA
HA
An
Co
MPA
ny PRo
fIleA
nA
lISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
TATA Kelo
lA PeRU
SAH
AA
nC
oRPo
RATe Go
veRnA
nC
eTA
nG
GU
nG
jAw
Ab
SoSIA
l PeRUSA
HA
An
Corporate Social Responsibility
lAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
lAPo
RAn
MA
nA
jeMen
Managem
ent Reports
HORIzON Of GROWTH 29PT WAHANA OTTOMITRA MULTIARTHA TbK
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH30
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Kami bangga dapat menyampaikan bahwa Perseroan menutup tahun 2019 dengan pencapaian kinerja keuangan yang solid. Hal ini menegaskan bahwa strategi perubahan usaha yang mengarah pada pengembangan Teknologi Informasi merupakan strategi tepat bagi pertumbuhan dan kelangsungan usaha perusahaan dalam jangka panjang. Dengan pertumbuhan industri pembiayaan yang saat ini utamanya didorong oleh fintech, langkah perubahan ke arah pengembangan Teknologi Informasi dan perbaikan proses bisnis yang terus menerus lebih strategis memastikan bahwa Perseroan siap merealisasikan potensi di bidang layanan ini.
KONDISI MAKRO EKONOMI
Kinerja Perseroan tentu tidak terlepas dari pengaruh kondisi perekonomian dan industri secara umum. Secara global, efek ketegangan hubungan dagang Amerika Serikat dan China sepanjang tahun 2019 telah berdampak pada perekonomian dunia. Ketidakpastian meningkat dan terjadi perlambatan ekonomi di berbagai kawasan dan negara-negara emerging market. Perdagangan barang dan jasa antar negara cenderung melemah.
Perekonomian Indonesia tumbuh di level 5,06% pada tahun 2019, lebih rendah dari realisasi pertumbuhan tahun 2018 sebagai akibat dari perlambatan global. Namun, inflasi berada pada level yang cukup rendah yaitu 2,7% dan cadangan devisa meningkat sebagai akibat dari masuknya aliran modal terutama menjelang akhir tahun.
Posisi Indonesia yang positif di mata investor global menyebabkan nilai tukar Rupiah menguat terhadap Dollar AS. Namun, sektor riil cenderung tertekan dengan indikasi realisasi penyaluran pembiayaan perbankan yang tumbuh 6,08%, dibawah angka pertumbuhan tahun sebelumnya.
TINJAUAN INDUSTRI PEMBIAYAAN
Pada tahun 2019, Asosiasi Industri Sepeda Motor Indonesia (AISI) mencatat distribusi kendaraan bermotor roda dua di dalam negeri sebesar 6,49 juta unit atau hanya tumbuh 1,7% dibanding tahun 2018 sebanyak 6,38 juta unit kendaraan. Angka penjualan sepeda motor itu sejalan dengan target industri pada awal tahun di tengah daya beli masyarakat yang mengalami tekanan.
Dear Esteemed Shareholders and Stakeholders,
We are pleased to report that The Company concluded 2019 with strong financial performance. It affirmed that the business direction toward Information Technology development is indeed the right strategy for the Company’s long-term growth and business longevity. As the dynamic financing industry continues to become increasingly influenced by fintech, The Company evolution towards Technology Infomation and countinous bussiness process improvement in a more strategically ensured that the Company is well positioned to realize the potential of this line of business.
MACROECONOMICS CONDITIONS
The Company’s performance cannot be separated from the overall economic and industry context. Globally, throughout 2019 the trade wars between the United States and China has impacted the global economic growth. The emerging markets and several regions experienced increase of uncertainties and sluggish economies. Goods and services trade inter-countries also weakened.
Indeed the global economic trend has impacted Indonesia’s economic growth that was to grow at a level of 5.06% in 2019, lower compared to the realization in 2018. However, inflation was recorded at low level of 2.7% and foreign exchange reserves increased resulted from the capital inflows particularly entering the end of the year.
Positive positioning of Indonesia in the view of global investors has strengthened the Rupiah exchange rate against US Dollar. However, the real sector was pressured due to banking lending realization of 6.08% below the previous year level.
FINANCING INDUSTRY OVERVIEW
The Indonesian Motorcycle Industry Association (AISI) recorded a total domestic distribution of two-wheels motor vehicles at 6.49 million units or only grew 1.7% compared to 6.38 million units in 2018. This trend is aligned with the industry target at the beginning of year amid pressured of people’s purchasing power.
Laporan Dewan KomisarisBoard of Commissioner’s Report
Horizon of GrowtH 31PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
Laporan Dewan KomisarisBoard of Commissioner’s Report
Peningkatan persentase penjualan sepeda motor lebih tinggi terjadi di pasar ekspor. Pada tahun 2019, ekspor sepeda motor tercatat sebesar 810 ribu unit, meningkat 29,17% dari tahun 2018 sebanyak 627 ribu unit.
Di sisi pembiayaan, Otoritas Jasa Keuangan (OJK) mencatat pembiayaan secara industri pada tahun 2019 sebesar Rp453 triliun, tumbuh 4,5% dibanding periode sama tahun 2018 sebesar Rp434 triliun. Pertumbuhan pembiayaan diiringi dengan kualitas yang semakin membaik dengan rasio pembiayaan bermasalah (Non Performing Financing/NPF) sebesar 2,5%, dibanding tahun sebelumnya 2,7%. Gearing Ratio juga semakin membaik dari 2,99 kali pada tahun 2018 menjadi 2,63 kali di tahun 2019. Hal ini sebagai dampak dari efisiensi yang dilakukan industri untuk merespons tekanan di pasar pembiayaan.
ANALISIS ATAS KINERJA DIREKSI
Rencana Bisnis Tahunan (RBT) merupakan pedoman bagi Direksi dalam melaksanakan program kerja. Pada tingkatan teknis, RBT dijalankan melalui strategi korporasi dan strategi bisnis. Pada tahun 2019, kedua strategi telah dijalankan antara lain melalui implementasi New Core System, inovasi digital, mempercepat proses persetujuan aplikasi pembiayaan konsumen dan digitalisasi proses akuisisi serta mengurangi biaya kredit dengan kualitas portofolio yang semakin sehat.
Pelaksanaan RBT Tahun 2019 oleh Direksi kami nilai telah sesuai dengan yang digariskan. Hal ini antara lain didasarkan pada pencapaian kinerja keuangan. Pada tahun 2019, Perseroan mencatat pendapatan sebesar Rp2,64 triliun, meningkat sebesar 1,05% dari tahun 2018 Rp2,62 triliun. Beban Perseroan sebesar Rp2,27 triliun, turun 2,4% dari tahun 2018 Rp2,33 triliun. Laba sebelum Pajak sebesar Rp364 miliar, naik 28% dari tahun 2018 Rp283 miliar. Laba bersih sebesar Rp260 miliar, tumbuh 21% dari tahun 2018 sebesar Rp215 miliar.
Higher percentage of motorcycle sales was recorded in export market. In 2019, motorcyle export reached 810 thousand units, increased by 29.17% from 627 thousand units in 2018.
On financing, the Financial Services Authority (OJK) recorded industy financing at Rp453 trillion in 2019, grew 4.5% compared to the same period in 2018 at Rp434 trillion. Financing growth was followed by improved Non Performing Financing (NPF) ratio at 2.5% compared to 2.7% in previous year. Gearing ratio was also improved from 2.99 times in 2018 to 2.63 times in 2019. These were the results of efficiency by the industry in responding the pressures of financing market.
BOARD OF DIRECTORS PERFORMANCE ANALYSIS
The Board of Directors takes the Annual Business Plan as guidelines in implementing work programs. Technically, this plan is carried out through corporate strategy and business strategy. In 2019, both strategies were undertaken by among others implementation of New Core System, digital innovation, acceleration of the consumer loan application approval and digitalization of acquisition process as well as reducing credit costs by delivering sound credit quality portfolio.
We concurred the implementation of Annual Business Plan year 2019 by the Board of Directors has been in accordance with the outline, which among others can be seen by the financial performance achievement. In 2019, the Company recorded revenues of Rp2.64 trillion, increased 1.05% from Rp2.62 trillion in 2018. Expenses was Rp2.27 trillion, decreased 2.4% from Rp2.33 trillion in 2018. Profit before Tax was at Rp364 billion, increased 28% from Rp283 billion in 2018. Net profit was Rp260 billion, decreased 21% from Rp215 billion in 2018.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH32
FREKUENSI DAN CARA PEMBERIAN NASIHAT KEPADA DIREKSI
Sepanjang tahun 2019, Dewan Komisaris telah menjalankan tugas dan fungsi pengawasan antara lain melalui mekanisme Rapat Gabungan Dewan Komisaris dan Direksi yang terlaksana sebanyak 9 (sembilan) kali. Dewan Komisaris juga telah menyampaikan evaluasi atas kinerja Direksi dan memberikan nasihat serta saran baik dalam bentuk notulensi di Rapat Gabungan tersebut maupun disampaikan secara lisan kepada Direksi.
PERUBAHAN KOMPOSISI DEWAN KOMISARIS
Sepanjang tahun 2019, tidak terdapat pergantian atau perubahan komposisi anggota Dewan Komisaris.
ANALISIS PROSPEK USAHA
Pemerintah memprediksi prospek pertumbuhan ekonomi Indonesia pada tahun 2020 tumbuh lebih stabil di tengah tantangan ekonomi global. Daya tahan ekonomi, yang ditopang oleh konsumsi masyarakat, serta efek kebijakan makro seperti penurunan suku bunga acuan dan reformasi struktural yang mendorong investasi bisa menopang pertumbuhan tersebut.
Perekenomian Indonesia pun telah memasuki era digitalisasi, yaitu era revolusi industri 4.0, oleh karena itu pemerintah menaruh perhatian penuh akan perubahan pola pikir perilaku masyarakat yang sudah mulai menuju ke arah tersebut. Otoritas Jasa Keuangan (OJK) terus berupaya mendorong lembaga jasa keuangan (baik bank maupun non-bank) dan perusahaan teknologi finansial agar saling bersinergi untuk memajukan perekonomian di Indonesia.
Di industri sepeda motor, AISI memprediksi angka penjualan sepeda motor pada tahun 2020 tidak akan berbeda jauh dengan tahun 2019. Penjualan ke pasar ekspor akan lebih tinggi dibanding penjualan di pasar domestik. Daya beli masyarakat yang masih tertekan menjadi faktor utamanya.
FREQUENCY AND METHODS OF ADVISORY TO THE BOARD OF DIRECTORS
Throughout 2019, the Board of Commissioners have carried out oversight duties and functions among others through the Joint Meeting of the Board of Commissioners and Board of Directors which was convened for 9 (nine) times. The Board of Commissioners has also conducted performance assessment and provided advice and recommendations to the Board of Directors through the meeting minutes or communicated verbally to the Directors.
CHANGE OF THE BOARD OF COMMISSIONERS COMPOSITION
No changes on the composition of the Board of Commissioners during 2019.
BUSINESS PROSPECT ANALYSIS
Amid the challenges of global economy, the government predicts a more stable economic growth prospect for Indonesia in 2020. Economic resilience, which is supported by public consumption and the effects of macro policies such as lower reference interest rate and structural reforms that encourage investment can sustain this growth.
The Indonesian economy has entered the digitalization era, which is the industrial revolution 4.0, hence the government paid full attention to the change in mindset of people’s behavior that had evolved towards that direction. The Financial Services Authority (OJK) continues to encourage financial service institutions (both banks and non-banks) and financial technology companies to jointly work in advancing the Indonesia’s economy.
In motorcyle industry, the AISI forecasts similar sales growth of 2020 with those of 2019. The export sales remain higher than the domestic, as the people’s purchasing power that remain pressured become the main factor of this trend.
Laporan Dewan KomisarisBoard of Commissioner’s Report
Horizon of GrowtH 33PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
Menghadapi tren pertumbuhan ini, Perseroan telah menyusun rencana bisnis tahun 2020 yang menekankan pada peningkatan pembiayaan melalui produk multiguna jasa, MotorKu dan MobilKu, peningkatan kerjasama dengan berbagai mitra strategis dan perbaikan proses bisnis melalui digitalisasi proses akuisisi dan pengembangan aplikasi Kawan. Pada rencana operasional, Manajemen akan melakukan optimalisasi atas implementasi Core System, sentralisasi proses kredit dan operasional, serta peningkatan kompetensi karyawan melalui optimalisasi penggunaan Learning Center.
Berdasarkan pembahasan tersebut di atas, Dewan Komisaris menilai prospek usaha yang telah disusun oleh Direksi dengan tetap berfokus pada pembiayaan multiguna barang dan multiguna jasa yang didukung inovasi digital dan sumber daya manusia berkualitas tepat dengan situasi dan kondisi yang akan dihadapi pada masa depan.
TATA KELOLA PERUSAHAAN
Dalam pelaksanaan fungsi pengawasan, Dewan Komisaris juga memberikan saran serta masukan terkait pelaksanaan tata kelola perusahaan yang baik kepada Direksi. Kegiatan yang telah dilakukan antara lain perbaikan dan penguatan fungsi dan kelengkapan seluruh Komite di bawah Dewan Komisaris serta melalui aktivitas telaah atas laporan yang disampaikan oleh komite-komite tersebut dalam Rapat Gabungan dengan Direksi. Selain rapat formal, korespondensi langsung dengan Direksi terkait pemberian rekomendasi dan arahan yang membutuhkan pandangan dari Dewan Komisaris juga dilaksanakan.
Selama tahun 2019, Dewan Komisaris telah menyampaikan berbagai masukan kepada Direksi antara lain aspek Pembiayaan dengan menekankan pada efisiensi dan profitabilitas serta penerapan manajemen risiko. Dewan Komisaris juga memberikan arahan kepada Direksi agar seluruh aktivitas bisnis berjalan pada prinsip-prinsip GCG untuk memastikan pertumbuhan yang berkelanjutan.
The Company has developed business plan for year 2020 in addressing these growth trend. The plan emphasizes on increasing financing through multipurpose, MotorKu and MobilKu products, increasing collaboration with various strategic partners and improvement of business processes through digitalization of acquisition process and development of Kawan app. On its operations, the Management will optimize the implementation of Core System, centralization of credit and operations processes, as well as employee competencies enhancement through utilization of Learning Center.
Based on the above analysis, the Board of Commissioners considers the business prospects that have been prepared by the Board of Directors while continuing to focus on motorcycles and multipurpose financing fostered by digital innovation and quality human resources were appropriate to address the situations and conditions in the future.
CORPORATE GOVERNANCE
In carrying out its supervisory function, the Board of Commissioners also provides advice and recommendations on the implementation of good corporate governance to the Directors, which includes the improvement and strengthening of the functions and completeness of all Committees under the Board of Commissioners as well as reviewing the reports submitted by the Committees in the Joint Meeting. In addition to formal meetings, direct correspondence with the Directors on the provision of recommendations and directions that require the views of the Board of Commissioners is also held.
During 2019, the Board of Commissioners have given their recommendations to the Directors among others on financing aspect by emphasizing on efficiency and profitability as well as risk management implementation. The Board of Commissioners also provided advice to the Directors in order to conduct business activities with due observance to GCG principles to ensure sustainable growth.
Laporan Dewan KomisarisBoard of Commissioner’s Report
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH34
PENILAIAN KINERJA KOMITE DI BAWAH DEWAN KOMISARIS
Komite-komite yang secara struktural berada dibawah Dewan Komisaris adalah Komite Audit, Komite Remunerasi dan Nominasi serta Komite Pemantau Risiko. Komite-komite tersebut membantu Dewan Komisaris dalam menjalankan tugas dan fungsi pengawasan Perseroan.
Komite Audit telah melaksanakan peninjauan dan pemantauan prinsip kepatuhan dan memastikan proses pelaporan keuangan sesuai dengan prinsip akuntansi yang berlaku umum. Komite Audit telah melakukan review dan evaluasi untuk memastikan bahwa proses audit internal dan eksternal telah berjalan secara independen dan objektif sepanjang tahun 2019. Komite Pemantau risiko berkontribusi aktif dengan melakukan review atas kebijakan manajemen risiko yang efektif. Adapun Komite Remunerasi dan Nominasi telah melakukan pembahasan usulan bonus untuk Dewan Komisaris dan Direksi, pembahasan besaran kenaikan gaji tahunan Dewan Komisaris dan Direksi, pembahasan usulan self assessment untuk Dewan Komisaris dan pembahasan kode etik untuk seluruh karyawan termasuk Manajemen.
Berdasarkan pembahasan tersebut, kami menilai komite-komite dibawah Dewan Komisaris telah optimal dalam mendukung pelaksanaan tugas dan fungsi Dewan Komisaris sepanjang tahun 2019.
PERFORMANCE ASSESSMENT OF COMMITTEES UNDER THE BOARD OF COMMISSIONERS
Structurally, the Board of Commissioners has established the committees in order to assist its supervisory duties and function, they are the Audit Committee, Remuneration and Nomination Committee and Risk Oversight Committee.
The Audit Committee has reviewed and monitored the compliance principle and ensure the financial reporting process has aligned with the accounting general principles. Throughout 2019, the Audit Committee has reviewed and conducted evaluation to ensure the independent and objective implementation of internal and external audit processes. The Risk Oversight Committee has actively contributed by reviewing effective risk management policy. Whereby the Remuneration and Nomination Committee has discussed incentives proposal for the Commissioners and Directors, discussed the amount of salary annual increase for the Commissioners and Directors, discussed the self assessment proposal for Commissioners and discussed the code of conduct for all employees including the Management.
Best on the discussion we concurred the Board of Commissioners Committees have delivered optimum performance in supporting the Board of Commissioners duties and functions throughout 2019.
Laporan Dewan KomisarisBoard of Commissioner’s Report
Horizon of GrowtH 35PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
APRESIASI
Dewan Komisaris menyampaikan terima kasih kepada para Pemegang Saham atas kepercayaan yang telah diberikan untuk ikut terlibat dalam pengembangan bisnis Perseroan sesuai dengan tugas dan fungsinya. Ucapan terima kasih dan apresiasi kepada Direksi dan seluruh karyawan yang telah bekerja keras bersama untuk menjalankan seluruh rencana yang ditetapkan.
Kepada seluruh pelanggan, mitra kerja dan pemangku kepentingan, tak lupa kami sampaikan ucapan terima kasih dan semoga kepercayaan serta kerjasama yang telah terjalin dapat terus terjaga.
APPRECIATION
We would like to convey our appreciation to Shareholders for their trust and involvement in the Company business development in accordance with their duties and functions. Our gratitudes and appreciation also to the Board of Directors and all employees for their hard work to hand-in-hand executing all the plans that we have been set forth.
To all our loyal customers, business partners and Stakeholders, we express our appreciation and we hope your continued trust and collaboration may well be continually sustain.
Jakarta, 19 Februari | February 2020
Atas Nama Dewan Komisaris On Behalf of The Board of Commissioner’s
i NYOmaN tJagerPresiden Komisaris/Komisaris Independen
President Commisioner/ Independent Commissioner
Laporan Dewan KomisarisBoard of Commissioner’s Report
DEWAN KOMISARISBoard of Commissioner’s
LAPORAN TAHUNAN 2019 ANNUAL RePORT HORIzON Of GROWTH36
1.2.3.
HORIzON Of GROWTH 37PT WAHANA OTTOMITRA MULTIARTHA TbK
4. Thilagavathy NadasonKomisaris | Commissioner
3. garibaldi ThohirKomisaris | Commissioner
1. I Nyoman TjagerPresiden Komisaris /Komisaris Independen | President Commissioner / Independent Commissioner
2. robbyanto BudimanWakil Presiden Komisaris | Vice President Commissioner
5. Myrnie Zachraini TaminKomisaris Independen |Independent Commissioner
5. 4.
Laporan Dewan KomisarisBoard of Commissioner’s Report
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH38
LAPORAN DIREKSIBoard of Director’s Report
LAPORAN TAHUNAN 2019 ANNUAL RePORT HORIzON Of GROWTH38
Horizon of GrowtH 39PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
Perseroan memandang diri sebagai main enabler yang memfasilitasi akses pembiayaan berbasis digital seluas mungkin untuk seluruh masyarakat Indonesia. Infrastruktur kami dirancang agar ramah aplikasi, salah satu ciri yang menentukan keunggulan Perseroan di industri layanan pembiayaan. Kualitas portofolio pembiayaan yang semakin baik dan profitabilitas yang tetap terjaga dibandingkan tahun sebelumnya, merupakan dampak dari pencapaian pertumbuhan bisnis yang sehat dan stabil melalui inovasi digital yang dilakukan selama tahun 2019.
The Company sees itself as the main enabler to deliver as expansive digital access as possible for all Indonesians. Our infrastructure is specifically designed to be application friendly, this consideration distinguishes The Company in the financing services industry. The achievement of sound and long standing business growth in 2019 through digital innovation have improved financing quality portfolio and increased profitability compared to the previous year.
Djaja SuryaNTO SuTaNDarPresiden Direktur President Director
Laporan DireksiBoard of Director’s Report
IKHTISA
R UTA
MA
Performance H
ighlightsPRo
fIl PeRUSA
HA
An
Co
MPA
ny PRo
fIleA
nA
lISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
TATA Kelo
lA PeRU
SAH
AA
nC
oRPo
RATe Go
veRnA
nC
eTA
nG
GU
nG
jAw
Ab
SoSIA
l PeRUSA
HA
An
Corporate Social Responsibility
lAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
lAPo
RAn
MA
nA
jeMen
Managem
ent Reports
HORIzON Of GROWTH 39PT WAHANA OTTOMITRA MULTIARTHA TbK
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH40
Para Pemangku Kepentingan Yang Terhormat,
Tahun 2019 berhasil kami lalui dengan serangkaian pencapaian yang membanggakan. Hal ini memperlihatkan bahwa langkah strategis digitalisasi yang terus dikembangkan Perseroan merupakan strategi tepat bagi pertumbuhan dan kelangsungan usaha dalam jangka panjang.
Fokus utama Perseroan pada tahun 2019 adalah mencapai pertumbuhan bisnis yang sehat dan stabil. Perseroan telah mengembangkan inovasi digital dan peningkatan kualitas sumber daya manusia. Digitalisasi yang dilakukan antara lain dengan mengimplementasikan Core System yang baru secara nasional, new mobile survey dan new mobile collection untuk semakin meningkatkan tata kelola proses bisnis, efisien dan berdaya saing. Dalam aspek peningkatan kualitas sumber daya manusia, Perseroan telah meresmikan Learning Center sebagai sarana mengasah potensi dan kompetensi karyawan. Pertumbuhan bisnis yang sehat dan stabil tercapai yang tercermin dalam kualitas pembiayaan yang semakin baik dan profitabilitas yang meningkat dibanding tahun sebelumnya.
KONDISI MAKRO EKONOMI DAN INDUSTRI
Pertumbuhan perekonomian global selama tahun 2019 diwarnai ketidakpastian sebagai dampak dari perang dagang Amerika Serikat dan China. Meski di akhir tahun ketegangan mulai mereda namun belum cukup signifikan untuk menopang pergerakan ekonomi dunia yang melambat sampai akhir tahun 2019.
Dinamika ekonomi dunia memberi pengaruh terhadap perekonomian domestik yang tumbuh melambat. Produk Domestik Bruto (PDB) Indonesia pada 2019 diprediksi sebesar 5,1%, lebih rendah realisasinya dibanding tahun sebelumnya sebesar 5,2%.
Namun, inflasi 2019 terjaga pada tingkat yang cukup rendah, yaitu 2,7%. Nilai tukar Rupiah cenderung menguat dengan rata-rata sebesar Rp14.146/USD selama 2019. Cadangan devisa meningkat menjadi sebesar USD129,18 miliar dibanding di awal tahun sebesar USD120,08 miliar. Suku bunga acuan (BI 7- day reverse repo rate) sepanjang tahun 2019 turun 100 basis poin sebagai stimulus moneter untuk menggerakkan perekonomian. Suku bunga acuan ditutup di level 5% di akhir tahun.
Dear Esteemed Stakeholders,
We are pleased that we are able to share our excellent results in 2019. Our performance was the testament to our astute decision to embark on a digitalization journey as Company’s business strategic measures in the interest of long-term business growth and continuity.
The Company emphasized on sound and stable business growth in 2019. We have also developed digital innovation and enhancement of human resources qualifications. Nationwide, we have implemented the digitalization of new Core System, new mobile survey and new mobile collection, which aimed at improving business processes governance, efficiency and competitive advantages. On human resources qualifications enhancement, the Company has launched Learning Center to foster employee potentials and competencies. These accomplishments are reflected from improved financing quality and increased profitability compared to the previous year.
MACROECONOMICS AND INDUSTRY OVERVIEW
The uncertainties of global economic growth during 2019 were impacted by the trade wars between the United States and China, eventhough this tension was begin to dissipate by the end of year however was insignificant to propel the sluggish global economy until the end of 2019.
This dynamics trend has weakened the domestic economic growth, which in 2019 the Gross Domestic Bruto (GDB) of Indonesia was forecasted to reach 5.1%, lower than the realization of 5.2% in the previous year.
However, inflation was maintained at low level of 2.7%. Rupiah exchange rate tended to strengthen with average of Rp14,146/USD during 2019. Foreign exchange reserves increased to USD129.18 billion compared to early year of USD120.08 billion. Interest rate references (BI 7-day reverse repo rate) decreased by 100 basis point during 2019 as monetary stimulus to elevate economic conditions, which was closed at 5% by the end of year.
Laporan DireksiBoard of Director’s Report
Horizon of GrowtH 41PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
Penjualan sepeda motor sesuai dengan target industri di awal tahun. Asosiasi Industri Sepeda Motor Indonesia (AISI) mencatat sepanjang tahun 2019, penjualan sepeda motor di pasar domestik sebesar 6,49 juta unit, meningkat dibanding tahun 2018 yang tercatat sebanyak 6,38 juta unit. Ekspor sepeda motor pun naik menjadi 810 ribu unit dari tahun sebelumnya 627 ribu unit.
Otoritas Jasa Keuangan mencatat pertumbuhan pembiayaan secara industri pada tahun 2019 sebesar Rp453 triliun, tumbuh 4,5% dibanding periode sama tahun 2018 sebesar Rp433 triliun. Meski pertumbuhan pembiayaan tidak setinggi tahun sebelumnya, namun kualitas pembiayaan semakin baik dengan angka pembiayaan bermasalah (NPF) sebesar 2,5%. Hal ini menjadi salah satu indikator industri pembiayaan yang lebih sehat sebagai pijakan untuk pertumbuhan pada masa mendatang.
ANALISA KINERJA PERUSAHAAN
Inisiatif strategis yang telah diimplementasikan selama tahun 2019 meliputi pengembangan Core System yang baru dengan didukung new mobile survey dan new mobile collection. Transformasi yang cukup mendasar ini telah mengubah proses bisnis Perseroan menjadi lebih cepat, efektif dan efisien.
Penguatan di sistem teknologi didukung dengan peningkatan kualitas sumber daya manusia dengan diresmikannya Learning Center sebagai sarana untuk mengasah kompetensi karyawan sesuai dengan arah transformasi Perseroan. Kami yakini bahwa sumber daya manusia merupakan fondasi untuk mencapai pertumbuhan yang berkelanjutan.
Kami juga telah mengimplementasikan pemanfaatan data kependudukan dan KTP elektronik bekerjasama dengan Direktorat Jenderal Kependudukan dan Pencatatan Sipil Kementerian Dalam Negeri.
Untuk mendukung rencana bisnis, Perseroan memperkuat sumber pendanaan bekerja sama dengan perbankan. Pada tahun 2019, Perseroan mendapatkan fasilitas modal kerja baru sebesar Rp2,2 triliun. Perseroan juga telah menerbitkan Obligasi Berkelanjutan III Tahap II WOM Finance 2019 sebesar Rp1,68 triliun yang akan digunakan untuk modal kerja pembiayaan.
Motorcycle sales have met the industry target at the beginning of the year. During 2019, the Indonesian Motorcycle Industry Association (AISI) stated motorcycle sales in the domestic market were 6.49 million units, an increase compared to 6.38 million units in 2018. Motorcycle exports also rose to 810 thousand units from 627 thousand units in previous year.
The Financial Services Authority recorded the industry financing growth of Rp453 trillion in 2019, grew 4.5% compared to the same period in 2018 at Rp433 trillion. Even though this growth was not as high as the previous year, the quality of financing has improved with the NPF of 2.5%. This is an indicator of a more sound financing industry as a platform for future growth.
COMPANY PERFORMANCE ANALYSIS
Strategic initiatives implemented in 2019 include new Core System development supported by new mobile survey and new mobile collection. This fundamental transformation has enabled the creation of a more faster, effective and efficient business processes in the Company.
The reinforcement of technology system is fostered by human resources qualifications enhancement through the launch of Learning Center to hone employee competencies in accordance with the Company’s transformation directives. Human resources serve as our foundation to achieve sustainable growth.
In collaboration with the Directorate General of Population and Civil Registration of the Ministry of Home Affairs, we have also implemented the utilization of population data and electronic ID cards.
To reinforce business plans, the Company strengthened financing resources by entering into cooperation with banking. As such, the Company recorded new working capital facility amounted Rp2.2 trillion in 2019. The Company has also issued Shelf Bonds III Phase II WOM Finance 2019 at Rp1.68 trillion, which will be allocated for financing working capital.
Laporan DireksiBoard of Director’s Report
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH42
Pada tahun 2019, Perseroan telah menyalurkan pembiayaan sebesar Rp5,8 triliun atau mencapai 355 ribu unit kendaraan bermotor. Total aset tercatat sebesar Rp8,27 triliun. Imbal hasil atas ekuitas sebesar 21,1%, meningkat dari 19,9% di tahun 2018 dan imbal hasil atas aset meningkat menjadi 4,4% dari 3,3% di tahun sebelumnya. Gearing Ratio juga dapat dipertahankan ke level yang lebih baik menjadi 4,2 kali.
Laba bersih tercapai sebesar Rp260 miliar, meningkat 21% dibandingkan tahun 2018 sebesar Rp215 miliar. Peningkatan laba diikuti dengan kualitas portofolio pembiayaan yang semakin baik dengan angka Non Performing Financing (NPF) sebesar 2% dibandingkan tahun sebelumnya 2,8%.
TANTANGAN YANG DIHADAPI DAN PENYELESAIANNYA
Tantangan yang dihadapi Perseroan selain tekanan eksternal adalah kesiapan internal dalam menjalankan agenda transformasi. Kami ingin seluruh sumber daya manusia terlibat dan berkontribusi dalam membangun super tim untuk menjalankan the new marketing way demi mendukung pertumbuhan bisnis yang berkelanjutan.
Sumber daya manusia yang kompeten dan berintegritas merupakan faktor utama untuk mendukung pencapaian target Perseroan. Kami ingin adanya persepsi yang sama di internal bahwa pencapaian target harus melalui proses yang benar sehingga pembiayaan yang disalurkan menjadi lebih berkualitas.
Digitalisasi proses bisnis diiringi dengan upaya untuk semakin meningkatkan kualitas dan integritas sumber daya manusia kami selenggarakan melalui pendidikan dan pelatihan secara reguler. Melalui forum-forum ini Kami meyakini akan terbentuk persepsi yang sama dalam mencapai tujuan.
Kami juga membangun iklim kebersamaan melalui pendekatan secara musyawarah baik di pusat maupun di cabang. Kami menjalankan pendekatan problem solving di setiap kunjungan kerja di regional dan cabang.
The Company has disbursed financing of Rp5.8 trillion in 2019 or reaching 355 thousand units of motor vehicles. Total assets was recorded at Rp8.27 trillion. Return on equity was maintained at 21.1%, increased from 19.9% in 2018 and return on assets increased by 4.4% from 3.3% of the same period in previous year. We also able to maintain gearing ratio at better level of 4.2 times.
Net profit was achieved at Rp260 billion, an increase of 21% compared to the same period of Rp215 billion in 2018. The increase of profit followed by improved financing quality portfolio with Non Performing Financing (NPF) of 2% compared to 2.8% in previous year.
CHALLENGES AND ITS SOLUTIONS
The Company have to address the challenges from external pressures as well as internal readiness in carrying out the transformation agenda. We inspire for our employees to be engaged and contributed in building a super team to perform the new marketing way to support sustainable business growth.
Competent human resources with integrity becomes the main factor to foster the achievement of the Company’s targets. We aim to create the same perception internally to ensure the achievement of targets must go through the right process hence delivering quality financing disbursement.
The digitalization of business processes is accompanied by efforts to further improve the quality and integrity of human resources that we implement through regular trainings and workshops. In which we believe through this forums alignment of perceptions will be established to achieve common goals.
We also create a sense of togetherness through a more approachable ways both at the head office and in branch offices. We emphasize on a problem solving approach during the visits to the regional and branch offices.
Laporan DireksiBoard of Director’s Report
Horizon of GrowtH 43PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
PROSPEK USAHA
Pertumbuhan ekonomi Indonesia tahun 2020 diprediksi berkisar antara 5,1%-5,5%. Tren pertumbuhan yang lebih baik merupakan kesempatan bagi Perseroan untuk mengoptimalkan strategi usaha untuk mencapai kinerja yang positif. Namun, penjualan sepeda motor diperkirakan akan sama dengan tahun 2019 yang bergantung pada daya beli masyarakat.
Dengan dinamika industri pembiayaan yang menantang, Perseroan tetap fokus untuk menjaga stabilitas kinerja keuangan serta meningkatkan pertumbuhan bisnis melalui fundamental yang kuat dan inovasi digital.
Dalam proses pembiayaan konsumen, Perseroan berencana untuk melakukan simplifikasi pada proses analisa pembiayaan dan proses pencairan dana. Selain itu, Perseroan akan terus meningkatkan layanan terhadap konsumen dengan memperkuat fungsi contact center dan pengembangan kelembagaan. Perseroan juga terus memperkuat kompetensi SDM melalui pelatihan dan program pengembangan kerja secara terpadu.
Di bidang teknologi informasi, Perseroan antara lain akan mengimplementasikan pengembangan fitur Core System dan perbaikan proses bisnis berupa instant approval meliputi aplikasi Automatic Data Entry, pengenalan konsumen, tanda tangan digital dan Total Acquisition Cost (TAC).
Proyeksi Kinerja Perseroan Tahun 2020 | The Company Performance Projections in 2020
uraian proyeksi | projections 2020 description
Laba terhadap aset 4,0% Return on Asset
Laba terhadap ekuitas 19,4% Return on Equity
Gearing Ratio 4,9 kali Gearing Ratio
Pembiayaan bermasalah 2,2% Non performance financing (NPF)
BUSINESS PROSPECT
Indonesia’s economic growth in 2020 is forecasted in the range of 5.1%-5.5%. This growth trend becomes an opportunity for the Company to optimize business strategies to achieve positive performance. However, motorcycle sales are estimated to remain the same as in 2019, which depends on people’s purchasing power.
Considering the challenges of financing industry dynamics, the Company remains focusing on maintaining financial performance stability and augmenting business growth through strong fundamental and digital innovation.
For consumer financing, the Company aims to simplify financing analysis and funding disbursement processes. Moreover, to enhance customer services, the Company will strenghten the function of contact center and institutional development. Human resources competencies will also be enhanced through an integrated trainings and work development programs.
On information technology, the Company will implement among others the development of Core System features and improvement of business processes such as instant approval, which include Automatic Data Entry app, consumer introduction digital signature and Total Acquisition Cost (TAC).
Laporan DireksiBoard of Director’s Report
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH44
PRAKTIK TERBAIK TATA KELOLA PERUSAHAAN
Perseroan terus memperkuat komitmen pelaksanaan prinsip-prinsip tata kelola perusahaan yang baik (good corporate governance-GCG). Implementasi GCG Perseroan berfokus pada penguatan manajemen risiko yang tercantum dalam Pedoman Penerapan Manajemen Risiko. Perseroan melakukan perbaikan secara berkelanjutan dalam rangka penerapan manajemen risiko dengan mengambil langkah-langkah proaktif melalui perumusan risk appetite, kebijakan, prosedur dan penetapan limit risiko perusahaan guna pencapaian peningkatan nilai bagi para pemegang saham.
Direksi menilai hubungan kerja antar Organ Perseroan telah berjalan dengan harmonis sesuai dengan kewenangan, fungsi dan tugas masing-masing Direksi, Dewan Komisaris dan Dewan Pengawas Syariah.
Selanjutnya dalam hal aktivitas pengawasan dan pengelolaan risiko perusahaan, Dewan Komisaris dan Direksi terlibat aktif dalam pelaksanaan tugas Risk Oversight Committee dan Risk Management Committee. Sementara, Sistem Pengendalian Internal dan Manajemen Risiko telah dijalankan secara efisien dan efektif dalam mengamankan aktivitas operasional Perseroan sesuai dengan kaidah-kaidah GCG. Sekretaris Perusahaan juga telah menjalankan peran sesuai dengan tugas dan tanggung jawabnya.
PENILAIAN KINERJA KOMITE DI BAWAH DIREKSI
Satuan kerja atau Komite yang secara struktural berada dibawah Direksi adalah Sekretaris Perusahaan, Komite Manajemen Risiko serta Audit Internal.
Kami menilai Sekretaris Perusahaan telah membantu tugas Direksi dalam memfasilitasi komunikasi baik internal maupun eksternal Perseroan. Komite Manajemen Risiko telah berperan aktif dalam memberikan berbagai masukan dan rekomendasi kepada Direksi, terkait sistem dan pelaksanaan manajemen risiko pada tata kelola perusahaan. Audit Internal juga telah melakukan evaluasi atas efektivitas tata kelola di internal Perseroan sesuai dengan tugasnya.
Direksi berpandangan, ketiga organ dibawah Direksi tersebut telah melaksanakan tugas pokok dan fungsinya secara baik dan memuaskan sepanjang tahun 2019.
CORPORATE GOVERNANCE BEST PRACTICES
The Company continues enforcing its commitment in implementing good corporate governance (GCG) principles, which emphasize on strengthening risk management as specified in the Risk Management Practices Guidelines. To improve the achievement of shareholders value, continuous improvements of risk management implementation are carried out by taking the proactive measures through the formulation of risk appetite, policies, procedures and risk thresholds determination.
The work relations between the Company Organ have been harmoniously carried out in accordance with authority, functions and duties of each member of the Board of Directors, Board of Commissioners and Sharia Supervisory Board.
Furthermore, on oversight and risk management, both the Board of Commissioners and Directors are actively involved in the implementation of duties of the Risk Oversight Committee and Risk Management Committee. While, in order to secure the Company operations with due observance to GCG principles, efficent and effective Internal Control System and Risk Management have been implemented. The Corporate Secretary has also carried out its roles in accordance with its duties and responsibilities.
PERFORMANCE ASSESSMENT OF COMMITTEES OF THE BOARD OF DIRECTORS’SThe Board of Directors is structurally assisted by work units or committees which consisted of the Corporate Secretary, Risk Management Committee and Internal Audit.
The Corporate Secretary has delivered proper duties in facilitating internal and external communication of the Company. Active roles of Risk Management Committee are noted in providing opinions and reccommendations to the Board of Directors, which related to risk management system and implementation in the corporate governance. According to its duties, Internal Audit has also completed the evaluation on governance effectiveness within the Company.
We concurred that these organs have carried out their main duties and functions well and satisfactorily throughout 2019.
Laporan DireksiBoard of Director’s Report
Horizon of GrowtH 45PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
Laporan DireksiBoard of Director’s Report
PERUBAHAN KOMPOSISI DIREKSI
Pada tahun 2019, terjadi pergantian komposisi Direksi yang ditetapkan dalam hasil Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) tanggal 10 Oktober 2019. Dengan demikian komposisi Direksi Perseroan per 31 Desember 2019 adalah sebagai berikut:
No Nama | Name Jabatan | Position
1 Djaja Suryanto Sutandar Presiden Direktur | President Director
2 Wibowo* Direktur | Director
3 Zacharia Susantadiredja Direktur | Director
4 Anthony Y Panggabean Direktur | Director
5 Njauw Vido Onadi Direktur | Director
*Diangkat pada RUPSLB 10 Oktober 2019 (Saat ini masih dalam proses fit & proper test OJK dan akan efektif menjabat setelah mendapat persetujuan dari OJK).
APRESIASI
Perkenankan saya atas nama Direksi mengucapkan terima kasih kepada Dewan Komisaris atas saran, arahan dan nasihat yang telah diberikan. Ungkapan terima kasih juga kami sampaikan kepada para Pemegang Saham yang telah memberi kepercayaan dan dukungan kepada kami untuk menjalankan usaha Perseroan.
Kami juga ingin memberikan apresiasi yang tinggi kepada jajaran manajemen dan seluruh karyawan atas kerjasamanya selama ini. Tak lupa kami ucapkan terima kasih kepada para konsumen setia yang terus menggunakan fasilitas produk dan layanan Perseroan. Kami berharap hubungan yang baik dengan konsumen dapat terus berlanjut pada masa mendatang.
CHANGES OF THE BOARD OF DIRECTORS COMPOSITION
In 2019, pursuant to the resolution of the Extraordinary General Meeting of Shareholders dated October 10, 2019, the Meeting approved the changes of the Board of Directors’s composition. As such the Board of Directors’s composition as of December 31, 2019 is as follows:
APPRECIATION
Please allow us on behalf of the Board of Directors to convey our gratitudes to the Board of Commissioners for their reccommendations, directives and advices. We also would like to express our appreciation to the Shareholders for their trust and supports in our endeavours to manage the Company.
Our highest appreciation to the management and all employees for their extended cooperation. Eventually our gratefulness to all our loyal customers who continuously enjoying our product and services. We hope our respectable relations will continue to thrive in the future.
Jakarta, 19 Februari | February 2020
Atas Nama Direksi On Behalf of The Board of Directors
dJaJa surYaNtO sutaNdarPresiden Direktur | President Director
*Was appointed on EGMS October 10 2019 (currently still in the process of Fit and Proper test of the Financial Services Authority and will be effectively served after obtaining approval from the Financial Services Authority).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH46
DIREKSIBoard of Director’s
LAPORAN TAHUNAN 2019 ANNUAL RePORT HORIzON Of GROWTH46
1.2. 5.
Horizon of GrowtH 47PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent Reports
HORIzON Of GROWTH 47PT WAHANA OTTOMITRA MULTIARTHA TbK
DireksiBoard of Director’s Report
4. anthony y PanggabeanDirektur | Director
3. Njauw Vido OnadiDirektur | Director
1. Djaja Suryanto SutandarPresiden Direktur |President Director
2. Zacharia SusantadiredjaDirektur | Director
5. Wibowo*Direktur* | Director*
*Diangkat pada RUPSLB 10 Oktober 2019 (saat ini masih dalam proses fit & proper test OJK dan akan efektif menjabat setelah mendapat persetujuan dari OJK). | Appointed at the October 10, 2019 EGMS and currently in the process of OJK fit and proper test, and will effectively serve after obtaining OJK approval).
3.4.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH48
Kami yang bertanda tangan di bawah ini menyatakan bahwa semua informasi dalam Laporan Tahunan PT Wahana Ottomitra Multiartha Tbk tahun 2019 telah dimuat secara lengkap dan kami bertanggung jawab penuh atas kebenaran isi Laporan Tahunan Perseroan.
Demikian pernyataan ini dibuat dengan sebenarnya.
PERNYATAAN TANGGUNG JAWAB LAPORAN TAHUNAN 2019 OLEH DEWAN KOMISARIS DAN DIREKSI
DewAn KoMISArISBoard of Commissioners
I nyoMAn TJAgerPresiden Komisaris / Komisaris Independen
President Commissioner / Independent Commissioner
robbyAnTo bUDIMAnWakil Presiden Komisaris
Vice President Commissioner
ThILAgAvAThy nADASonKomisaris
Commissioner
gArIbALDI ThohIrKomisaris
Commissioner
MyrnIe ZAchrAInI TAMInKomisaris Independen
Independent Commissioner
Horizon of GrowtH 49PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
LAPo
RAn
MA
nA
jeMen
Managem
ent ReportsWe, the signatories, hereby stated that all information contained in the 2019 Annual Report of PT Wahana Ottomitra Multiartha Tbk has been comprehensively presented and that we are fully accountable for the accuracy of the contents of the Company’s Annual Report.
This statement is made truthfully.
Statements of Accountability of 2019 Annual Report by The Board of Commissioners and Board of Directors
DIreKSIBoard of Directors
DJAJA SUryAnTo SUTAnDArPresiden DirekturPresident Director
ZAchArIA SUSAnTADIreDJADirekturDirector
AnThony y PAnggAbeAnDirekturDirector
nJAUw vIDo onADIDirekturDirector
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH50
Profil PerusahaanCompany Profile
Horizon of GrowtH 51PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
KiNerJa OperasiONal perserOaN didukung oleh 186 kantor jaringan
untuk melayani 724 riBu KONsumeN aKtiFmelalui sumber daya manusia yang unggul dan layanan berKUALITAS.
dengan total 3.228 KarYawaN
The Company’s operation is supported by 186 network offices with total 3,228 employees to provide services for 724 thousand active consumers through the best human resources and quality services.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH52
186 Network Offices comprised of 120 Branch Offices and 66 Non-Branch Offices
Nama PanggilanCompany Nickname
Dasar Hukum PendirianLegal Basis of Establishment
Kantor JaringanNetwork Offices
Akta Pendirian No. 179 tanggal 23 Maret 1982 yang kemudian diubah dengan Akta Perubahan Naskah Pendirian No. 96 tanggal 15 Desember 1982, keduanya dibuat di hadapan Kartini Muljadi, SH., Notaris di Jakarta. Akta pendirian ini telah mendapat pengesahan dari Menteri Kehakiman Republik Indonesia sesuai dengan Surat Keputusan No. C2-3167-HT.01.01.TH.82 tanggal 23 Desember 1982.
Deed of Establishment No. 179 dated March 23, 1982, which was subsequently amended pursuant to the Deed of Amendment to the Deed of Establishment No. 96, dated December 15, 1982. Both ofwhich were drawn up before Kartini Muljadi, SH., a notary in Jakarta. The Deed of Establishment was approved by the Minister of Justice of the Republic of Indonesia by virtue of Decree No. C2-3167-HT.01.01. TH.82 dated December 23, 1982.
yang terdiri dari186 Kantor
Layanan
&120 Kantor Cabang (KC) 66 Kantor Selain
Kantor Cabang (KSKC)
Bidang UsahaLine of Business
Alamat Kantor PusatHead Office Address
Nama PerusahaanName of Company
Tanggal DidirikanDate of Establishment
Modal DasarAuthorized Capital
Modal DisetorPaid-up Capital
PT Wahana OttomitraMultiartha Tbk
WOM Finance Pembiayaan KonsumenConsumer Financing
Altira Office Tower floor 32, 33, 35 Jl. Yos Sudarso Kav.85 Kelurahan Sunter Jaya, Kecamatan Tanjung Priok Jakarta Utara 14350
Telepon | Telephone+62 21 2188 2400
Faximile | Fax+62 21 2188 2420
Situs | Websitewww.wom.co.id
Surat Elektronik | [email protected]
23 Maret 1982March 23, 1982
Rp500.000.000.000 Rp348.148.148.000
23
IDENTITAS PERUSAHAANCompany Identity
Horizon of GrowtH 53PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Sebelum berdiri sebagai PT Wahana Ottomitra Multiartha
Tbk (lebih dikenal sebagai Perseroan), Perseroan lahir
dengan nama PT Jakarta Tokyo Leasing pada tahun 1982
yang bergerak di bidang pemberian pembiayaan sepeda
motor, khususnya untuk sepeda motor merek Honda.
Kemudian seiring dengan transformasi bisnis Perseroan
yang terus mengalami pengembangan, akhirnya pada
tahun 2000 Perseroan mengubah nama menjadi PT
Wahana Ottomitra Multiartha yang tidak lagi hanya
melayani pembiayaan sepeda motor merek Honda, tetapi
juga sepeda motor merek Jepang lainnya, seperti Yamaha,
Suzuki dan Kawasaki.
Memasuki tahun 2004, Perseroan mendapatkan
pernyataan efektif dari Otoritas Jasa Keuangan/OJK (d/h
Badan Pengawas Pasar Modal dan Lembaga Keuangan/
Bapepam-LK) untuk melakukan Penawaran Umum
Saham Perdana. Pada kesempatan tersebut, Perseroan
menawarkan sebanyak 200.000.000 lembar saham dengan
nilai nominal Rp100 per saham dan harga penawaran
sebesar Rp700 per saham. Melantainya Perseroan di Bursa
Efek Indonesia telah dicatatkan pada 13 Desember 2004
dengan “WOMF” sebagai kode saham perusahaan. Pada
tahun selanjutnya (2005), Perseroan menjadi bagian dari
kelompok usaha PT Bank Maybank Indonesia Tbk (MBI –
d/h PT Bank Internasional Indonesia Tbk) setelah Maybank
Indonesia mengakuisisi 43% kepemilikan saham Perseroan.
Pada tahun 2018, Perseroan melakukan aksi korporasi
lainnya sebagai salah satu upaya untuk memperkuat
struktur pendanaan jangka panjang dan mendukung
pertumbuhan bisnis, dengan merealisasikan penerbitan
Obligasi II Tahap IV dan V sebesar Rp793 miliar dan Rp360
miliar, serta menerbitkan Obligasi III Tahap I sebesar Rp570
miliar dimana penerbitan aksi korporasi ini dilaksanakan
melalui mekanisme Penawaran Umum Berkelanjutan (PUB).
Prior to its establishment as PT Wahana Ottomitra Multiartha
Tbk (known as WOM Finance), the Company was founded
with the name of PT Jakarta Tokyo Leasing in 1982, which
engaged in financing services for motorcycles, especially of
Honda brand. The Company continued to grow and in line
with its business transformation, the Company changed
its name to PT Wahana Ottomitra Multiartha in 2000. The
Company furthermore expanded its motorcycle financing
services with other Japanese motorcycle brands aside from
Honda, such as Yamaha, Suzuki, and Kawasaki.
In 2004, the Company obtained effective statement from
the Financial Service Authority/ OJK (previously the Capital
Market and Financial Institution Supervisory Agency/
Bapepam-LK) to conduct an Initial Public Offering. The
Company offered 200,000,000 shares with nominal value
of Rp100 per share and initial offering price of Rp700
per share. The shares were listed on the Indonesia Stock
Exchange on December 13, 2004 under the ticker code
of “WOMF”. In the following year (2005), the Company
became a part of PT Bank Maybank Indonesia Tbk (MBI –
previously PT Bank Internasional Indonesia Tbk) business
group after Maybank Indonesia acquired 43% share
ownership in the Company.
In 2018, the Company exercised other corporate actions as
one of the efforts to strengthen long term funding structure
and drive business growth, by issuing the Bonds II Phase
IV and V amounted to Rp793 billion and Rp36 billion, as
well as issued the Bonds III Phase I amounted to Rp570
billion These corporate actions were exercised through
Shelf Public Offering mechanisms.
SEKILAS WOM fINANCEWOM Finance at a Glance
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH54
Pada tahun 2019, Perseroan melakukan aksi korporasi dengan menerbitkan Obligasi III Tahap II sebesar Rp1,68 trilliun dimana penerbitan aksi korporasi ini dilaksanakan melalui mekanisme Penawaran Umum Berkelanjutan (PUB).
Komitmen Perseroan untuk terus tumbuh berkelanjutan salah satunya dilakukan dengan pelaksanaan right issue melalui Penawaran Umum Terbatas.
Dan pada 2015 bertindak sebagai standby buyer. Dalam right issue ini, Perseroan menerbitkan 1.481.481.480 saham baru. Kemudian kepemilikan saham MBI di Perseroan naik menjadi 68,55%. Selanjutnya pada tahun 2017, Perseroan juga menerbitkan Obligasi Berkelanjutan II Tahap II sebesar Rp720 milliar dan tahap III tahun 2017 sebesar Rp867 miliar dengan peringkat AA- (idn) (Double AA-) dari PT Fitch Ratings Indonesia (Fitch).
In 2019, the Company executed corporate action by issuing Bonds III Phase II amounted to Rp1.68 trillion through mechanism of Rights Isssue.
One of the Company’s commitments to grow sustainably is by conducting right issue through Limited Public Offering.
And in 2015 acted as the standby buyer. In this right issue, the Company issued 1,481,481,480 new shares. MBI share ownership in the Company subsequently increased to 68,55%. In 2017, the Company issued Sustainable Bonds II Phase II which listed at Rp720 billion and phase III of 2017 which listed at Rp867 billion with AA (Double AA-) rating from PT Fitch Ratings Indonesia (Fitch).
Horizon of GrowtH 55PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany ProfileNo. Kegiatan usaha
Business Activities
1. Pembiayaan Investasi· Sewa Pembiayaan· Jual dan Sewa-Balik· Anjak Piutang dengan Pemberian Jaminan dari
Penjual Piutang· Anjak Piutang tanpa Pemberian Jaminan dari
Penjual Piutang · Pembelian dengan Pembayaran Secara Angsuran· Pembiayaan Proyek· Pembiayaan Infrastruktur· Pembiayaan lain setelah terlebih dahulu
mendapatkan persetujuan dari OJK
Investment Financing· Finance Lease· Sale and Leaseback· Factoring with Recourse
· Factoring with Recourse
· Purchase Payment by Installments· Project Financing· Infrastructure Financing· Additional financing after prior approval from the Financial
Services Authority (OJK)
2. Pembiayaan Modal Kerja · Jual dan Sewa-Balik· Anjak Piutang dengan Pemberian Jaminan dari
Penjual Piutang· Anjak Piutang tanpa Pemberian Jaminan dari
Penjual Piutang· Fasilitas Modal Usaha· Pembiayaan lain setelah terlebih dahulu
mendapatkan persetujuan dari OJK
Working Capital Financing· Sale and Leaseback· Factoring with Recourse
· Factoring with Recourse
· Working Capital Facility· Additional financing after prior approval from the Financial
Services Authority (OJK)
3. Pembiayaan Multiguna· Pembiayaan dengan Fasilitas Dana· Sewa Pembiayaan· Pembelian dengan Pembayaran Secara Angsuran· Pembiayaan lain setelah terlebih dahulu
mendapatkan persetujuan dari OJK
Multipurpose Financing· Pembiayaan dengan Fasilitas Dana · Finance Lease· Purchase Payment by Installments· Additional financing after prior approval from the Financial
Services Authority (OJK)
4. Kegiatan Usaha Pembiayaan lain berdasarkan persetujuan OJK
Kegiatan Usaha Pembiayaan diluar pembiayaan investasi, pembiayaan modal kerja dan pembiayaan multiguna dengan setelah terlebih dahulu mendapatkan persetujuan dari OJK.
Other financing activities prior approval from OJK
Other financing activities outside of investment financing, working capital financing and multipurpose financing after prior approval from the Financial Services Authority (OJK).
Sesuai dengan Anggaran Dasar Perusahaan, kegiatan usaha utama Perseroan adalah sebagai berikut:
Pursuant to the Company’s Articles of Association, the Company’s main business activities are as follows:
bIDANG USAHALines of Business
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH56
No. Kegiatan usaha Business Activities
5. Menyediakan pembiayaan dan/atau melakukan kegiatan usaha berdasarkan prinsip syariah, sesuai dengan ketentuan yang ditetapkan oleh OJK, Pemerintah dan/atau Dewan Syariah Nasional · Pembiayaan Jual Beli yang dilakukan dengan
menggunakan akad:Murabahah; Salam; dan/atau Istishna.
· Pembiayaan Investasi yang dilakukan dengan menggunakan akad:Mudharabah;Musyarakah;Mudharabah Musytarakah; dan/atau Musyarakah Mutanaqishoh.
· Pembiayaan Jasa yang dilakukan dengan menggunakan akad:Ijarah;Ijarah Muntahiyah Bittamlik;Hawalah atau Hawalah bil Ujrah;Wakalah atau Wakalah bil Ujrah;Kafalah atau Kafalah bil Ujrah;Ju’alah; dan/atau Qardh.
Provide financing and/or conducting business based on the sharia principles, in accordance with the conditions set by OJK, the Government and/or the National Sharia Council
· Financing purchase performed using the contract of:Murabahah; Salam; and/or Istishna.
· Financing investment performed using the contract of:
Mudharabah;Musyarakah;Mudharabah Musytarakah; and/orMusyarakah Mutanaqishoh.
· Funding services performed using the contract of:
Ijarah;Ijarah Muntahiyah Bittamlik;Hawalah atau Hawalah bil Ujrah;Wakalah atau Wakalah bil Ujrah;Kafalah or Kafalah bil Ujrah;Ju’alah; and/orQardh.
6. Kegiatan usaha lainnya · Sewa Operasi· Kegiatan berbasis fee sepanjang tidak bertentangan
dengan perundang-undangan di sektor jasa keuangan.
· Usaha-usaha lain yang berhubungan langsung maupun tidak langsung dengan maksud tersebut di atas yang pelaksanaannya tidak bertentangan dengan Undang-Undang yang berlaku di Negara Republik Indonesia.
Other business activities· Operating Lease· Any fee-based activities, which do not violate the regulation
in the financial services sector.
· Other business that deal directly or indirectly with the aforementioned purposes whose implementation that does not violate the prevailing laws in the Republic of Indonesia.
Bidang UsahaLines of Business
Horizon of GrowtH 57PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Logo Perseroan adalah instrumen komunikasi bagi
sebuah perusahaan yang menjadi pembeda dengan
perusahaan lain.
Logo Utama dilahirkan dari dua komponen dasar - elemen nama dan simbol ‘W`’. Simbol ‘W’ melambangkan (warmth) kehangatan sebagai sebuah sikap kerja yang diberikan kepada rekanan, mitra dan konsumen WOM Finance. | The main logo comprises two basic components: the name element and the “W” symbol. The “W” symbol signifies warmth - the work attitude toward WOM Finance’s associates, partners and customers.
Lingkaran elips yang mengelilingi elemen ‘W’ merupakan komposisi yang mencerminkan sinergi pendorong untuk membangun WOM Finance sebagai perusahaan keuangan yang terbaik di Indonesia. | The ellipse surrounding the “W” element is a composition reflecting the supporting synergy to make WOM Finance the best multifinance company in Indonesia.
Bagian A member of Maybank group menegaskan bahwa Perseroan adalah anak usaha dari PT Bank Maybank Indonesia Tbk. | The part “a member of Maybank group” affirms the Company’s position as the subsidiary of PT Bank Maybank Indonesia Tbk.
The Company logo is a communication instrument that
differentiates the Company from other companies.
LOGO PERUSAHAANCorporate logo
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH58
JEJAK LANGKAHMilestones
1982Perseroan didirikan dengan nama PT Jakarta Tokyo ditahun yang sama. Nama Perseroan berganti menjadi PT Fuji Semeru Leasing. | establishment of the Company under the name of PT jakarta Tokyo leasing. The Company’s name was changed to PT fuji Semeru leasing.
1997Nama Perseroan diubah menjadi PT Wahana Ometraco Multiartha. | The Company’s name was changed to PT wahana ometraco Multiartha.
2011Anggaran Dasar Perseroan diubah dalam rangka Penawaran Umum Perdana Saham berdasarkan Berita Acara Rapat Umum Pemegang Saham Luar Biasa (RUPSLB). | The Company’s Articles of Association was amended in line with the Initial Public offering pursuant to the Minutes of extraordinary General Meeting of Shareholders (eGMS).
2014• Penawaran Umum
Berkelanjutan Obligasi Berkelanjutan I WOM Finance. | Continuous Public offering of Continuous bonds I of woM finance.
2015• Penerbitan 1.481.481.480
saham baru melalui Penawaran Umum Terbatas I. | Issuance of 1,481,481,480 new shares through limited Public offering I.
20172016• Penawaran Umum
Berkelanjutan Obligasi Berkelanjutan II Tahap II WOM Finance |. Shelf Public offering of woM finance Shelf bonds II Phase II.
• Penawaran Umum Berkelanjutan Obligasi Berkelanjutan II Tahap III WOM Finance |. Shelf Public offering of woM finance Shelf bonds II Phase III.
• Penawaran Umum Berkelanjutan Obligasi Berkelanjutan II Tahap I WOM Finance |. Shelf Public offering of woM finance Shelf bonds II Phase I.
Horizon of GrowtH 59PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
2000Nama Perseroan diubah menjadi PT Wahana Ottomitra Multiartha. | The Company’s name was changed to PT wahana ottomitra Multiartha.
2003Menerbitkan Obligasi I WOMF, senilai Rp300 miliar yang memperoleh peringkat A- dari PT Pemeringkat Efek Indonesia (Pefindo). | Issuance of bonds I of woMf with nominal value of Rp300 billion; rated A- by PT Pemeringkat efek Indonesia (Pefindo).
2004Anggaran Dasar Perseroan diubah dalam rangka Penawaran Umum Perdana Saham berdasarkan Berita Acara Rapat Umum Pemegang Saham Luar Biasa (RUPSLB). | The Company’s Articles of Association was amended in line with the Initial Public offering pursuant to the Minutes of extraordinary General Meeting of Shareholders (eGMS).
2005Perubahan status kepemilikan saham PT Wahana Ottomitra Multiartha Tbk, mayoritas menjadi miliki PT Bank Maybank Indonesia (d/h PT Bank Internasional Indonesia Tbk). | Change in the share ownership status of PT wahana ottomitra Multiartha Tbk, resulting in PT bank Maybank Indonesia Tbk becoming the majority shareholder.
20182019
• Penawaran Umum Berkelanjutan Obligasi Berkelanjutan II Tahap IV WOM Finance. | Shelf Public Offering of WOM Finance Shelf Bonds II Phase IV.
• Penawaran Umum Berkelanjutan Obligasi Berkelanjutan II Tahap V WOM Finance. | Shelf Public Offering of WOM Finance Shelf Bonds II Phase V.
• Penawaran Umum Berkelanjutan Obligasi Berkelanjutan III Tahap I WOM Finance. | Shelf Public Offering of WOM Finance Shelf Bonds III Phase.
Jejak LangkahMilestones
penawaran umum Berkelanjutan Obligasi Berkelanjutan iii tahap ii wOm Finance. | Shelf Public offering of woM finance Shelf bonds III Phase II.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH60
STRUKTUR ORGANISASIOrganization Structure
dewan Komisaris | Board of Commissioners :1. I Nyoman Tjager Presiden Komisaris/Komisaris Independen
President Commissioner/Independent Commissioner 2. Robbyanto Budiman Wakil Presiden Komisaris | Vice President Commissioner3. Garibaldi Thohir Komisaris | Commissioner4. Myrnie Zachraini Tamin Komisaris Independen | Independent Commissioner5. Thilagavaty Nadason Komisaris | Commissioner
*) Merangkap sebagai Sekretaris Perusahaan | Serve as Corporate Secretary
Reporting LinesCoordination LinesSupervisory Lines
VacantMarketing brand Honda
Division Head
Rina MayangsariOperations Division Head
RajalumayungIT Security & Compliance Sub
Division Head
Felix PriscelliusInformation Technology
Division Head
Charles SugiartaOrganization Policies
Procedures & Service Quality Sub Division Head
HariyantoCredit Divison Head
VacantAMU Division Head
Saidina Daud B.Collection & Remedial
Division Head
HerwinRisk Management Division
Head
Panji Dwisatia MProject Management Office
Irene Khoefinance & Accounting
Division Head
Jimmy SutrisnoCorporate business Senior
Analyst
Jony Halimfinancial Planning & Investor
Relation Division Head
Irfan SafariTax Controller
Nova MurdhianaCorporate Services &
Communication Department Head
Andri SetiawanNDS Car Division Head
Surya LesmanaMarketing brand Yamaha, Used
bike & Others Division Head
Ria Rizky MaulinaNDS Motorcycle Division Head
Vacantbusiness Development Division
Head
Wibowo Chief Marketing Officer
general Meeting of Shareholders
Board of directors
Djaja S. SutandarPresident Director
VacantMarketing Director
Njauw Vido OnadiRisk Management Director
Zacharia Susantadiredjafinance Director*
Anthony Y. PanggabeanOperations Director
Raymond Adianto NMarketing Deputy Director
Horizon of GrowtH 61PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Struktur OrganisasiOrganization Structure
Kepala regional | Business unit head :1. Gilbert Samuel Siahaan Kepala Regional Jakarta, Tangerang, Serang | Business Unit
Head Jakarta Tangerang, Serang2. Lambertus Langkun Kepala Regional Jawa Barat | Business Unit Head West Java3. Bambang Purwanto Kepala Regional Jawa Tengah | Business Unit Head Central Java4. Andriansyah Kepala Regional Jawa Timur, Bali, Nusa Tenggara | Business Unit
Head East Java, Bali, Nusa Tenggara5. Effendi Simatupang Kepala Regional Sumatera Bagian Utara | Business Unit Head
North of Sumatera6. Andreas Aditya Kepala Regional Sumatera Bagian Selatan | Business Unit Head
South of Sumatera7. Armawati, SH Kepala Regional Kalimantan Sulawesi | Business Unit Head
Kalimantan Sulawesi
Board of Commissioners Sharia Supervisory board
Remuneration & Nomination Committee Risk Oversight Committee Audit Committee
Risk Management Committee
Product & business Development Syariah
Committee
Ekanto WijonusunuChief Human Capital Officer
VacantHuman Capital Shared Service
Division Head
Heru Santosabusiness Network & Intiative
Division Head
Ignatius PrasetyaInternal Audit Division Head
Toni WindartoKepala Unit Usaha Syariah
Mena PujiastutiHuman Capital business
Partner Department HeadBranch Head
M. AkmalQuality Assurance & Litigation
Division Head
I Gede SudarsanaUK APU PPT Section Head
Cristina M.F SamosirHuman Capital Strategic &
Development Division HeadBusiness Unit Head
ChristinLegal, Corporate Litigation & Compliance Division Head
HB Fajar Wicaksono N.Digital Initiative Department
Head
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH62
Menjadi salah satu perusahaan pembiayaan terbaik di Indonesia dengan menerapkan tata kelola perusahaan yang baik.To be one of the best consumer financing companies in Indonesia through good corporate governance implementation
VISIVision
1. Mengutamakan kepuasan konsumen dan mitra kerja lainnya.
2. Membangun infrastruktur berbasis TI untuk melaksanakan proses yang baik.
3. Pengembangan dan perluasan jaringan usaha, terutama di daerah potensial.
4. Mengoptimalkan kinerja perusahaan.
1. Placing the satisfaction of the customers and business partners as the first priority.
2. Establishing IT-based infrastructures to promote sound processing.
3. Developing and expanding business network, particularly in potential areas.
4. Optimizing company performance.
MISIMission
VISI, MISI, & NILAI PERUSAHAANVision, Mission and Corporate Values
Horizon of GrowtH 63PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Teamwork Kami bekerja sama sebagai satu tim yang didasari nilai saling menghargai dan rasa kebanggaan.We work together as a team based on mutual respect and dignity.
Integrity Kami jujur, profesional dan berlandaskan moral dalam semua kegiatan usaha kami.We are honest, professional and ethical in all our dealings.
NILAI PERUSAHAANCorporate Values
Relationship Building Kami secara berkesinambungan membangun hubungan kerja sama jangka panjang yang saling menguntungkan.
We continuously build longterm and mutually beneficial partnership.
Growth Kami memiliki keinginan yang kuat untuk melakukan peningkatan dan pembaharuan secara konsisten.
We are passionate about constant improvement and innovation.
Excellence & Efficiency Kami berkomitmen untuk menghasilkan kinerja yang sempurna dan layanan prima.
We are committed to deliver outstanding performance and superior services.
T
I
G
e
R
Visi, Misi, & Nilai PerusahaanVision, Mission and Corporate Values
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH64
PROfIL DEWAN KOMISARISBoard of Commissioner’s Profile
Riwayat Pendidikan | Educational BackgroundMeraih gelar Sarjana Hukum Dagang dari Universitas Gadjah Mada, Yogyakarta (1976), Master of Economic, Fordham University, New York, USA (1987), dan meraih gelar Doktor Hukum dari Universitas Gadjah Mada, Yogyakarta (2003).
Obtained Bachelor Degree in Commercial Law from University of Gadjah Mada, Yogyakarta (1976), Master of Economic from Fordham University, New York, USA (1987), and Doctoral Degree in Law from University of Gadjah Mada, Yogyakarta (2003).
presiden Komisaris/Komisaris independenPresident Commissioner / Independent Commissioner
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 69 Tahun | Years oldDomisili | Domicile : Jakarta
• Staf Ahli Menteri Negara BUMN-Bidang KUK Kementerian BUMN (2001) | Senior Advisor to the State Minister of SOE in Micro Loan Department of the Ministry of SOE (2001).
• Komisaris Utama PT Bursa Efek Indonesia (2008) | President Commissioner of PT Bursa Efek Indonesia (2008).
• Komisaris Independen PT Ancora Indonesia Resources Tbk (2008-2014) | Independent Commissioner at PT Ancora Indonesia Resources Tbk (2008-2014).
Rangkap Jabatan | Concurrent Position• Anggota Komite Audit & Komite Pemantau Risiko PT Bank
National Nobu Tbk (2011 – saat ini) | Member of Audit Committee & Risk Oversight Committee at PT Bank National Nobu Tbk (2011-present).
• Komisaris Utama/Komisaris Independen PT Maybank Kim Eng Securities (2015 – saat ini) | President Commissioner/Independent Commissioner of PT Maybank Kim Eng Securities (2015-present).
• Komisaris Independen & Ketua Komite Audit PT Home Credit Indonesia (2015 - saat ini) | Independent Commissioner & Chairman of Audit Committee PT Home Credit Indonesia (2015-present).
• Komisaris Utama/Komisaris Independen dan Ketua Komite Audit PT Sorini Agro Asia Corporindo Tbk (2016 – saat ini) | Independent Commissioner & Chairman of Audit Committee at PT Sorini Agro Asia Corporindo Tbk (2016-present).
• Staf Ahli Bidang Perencanaan Komisi Pengawas Satuan Kerja Khusus Pelaksana Kegiatan Usaha Hulu Minyak & Gas Bumi (SKK Migas) (2016 – saat ini) | Expert Staff of Commission Planning of Special Unit Supervisory for Oil & Gas Upstream Business Activities (SKK Migas) (2016-present).
• Tenaga Ahli Bidang Perencanaan Komisi Pengawas Satuan Kerja Khusus Pelaksana Kegiatan Usaha Hulu Minyak & Gas Bumi (SKK Migas) (2018 – saat ini) | Expert Staff of Commission Planning of Special Unit Supervisory for Oil & Gas Upstream Business Activities (SKK Migas) (2018-present).
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau diangkat sebagai Presiden Komisaris sekaligus Komisaris Independen Perseroan pada tahun 2015 berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur. Saat ini selain menjabat sebagai Presiden Komisaris, beliau juga merangkap jabatan sebagai Komisaris Independen Perseroan sejak 2008.
Appointed President Commissioner and Independent Commissioner of the Company since 2015 pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta. He also concurrently serves as Independent Commissioner of the Company since 2008.
Hubungan Afiliasi | Affilated RelationshipBeliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun dengan Pemegang Saham Utama dan Pengendali.
He does not have any affiliate relationships with members of the Board of Directors, members of the Board of Commissioners or the Controlling and Major Shareholders.
I Nyoman Tjager
Pengalaman Kerja | Professional background• Sekretaris Menteri negara/Sekretaris Utama badan Penanaman
Modal dan Pembinaan bUMn (2000) | Secretary of State Minister/Main Secretary of Capital Investment Agency and Soe Development (2000).
• Direktur jenderal (Dirjen) Pembinaan bUMn, Departemen Keuangan (2000) | Directorate General of Soe Development, finance Department (2000).
Horizon of GrowtH 65PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Riwayat Pendidikan | Educational BackgroundMeraih gelar Sarjana Business Administration / Marketing dari University of Southern California (1987) dan International Business dari Northrop University Los Angeles (1989).
Obtained Bachelor Degree in Business Administration / Marketing from University of Southern California (1987) and International Business from Northrop University Los Angeles (1989).
Pengalaman Kerja & Rangkap Jabatan | Professional Background & Concurrent Position• Komisaris PT Sejahteramulia Langgeng Hutama (1994-saat ini)
| Commissioner of PT Sejahteramulia Langgeng Utama (1994 - present).
• Direktur Utama PT Wahana Makmur Sejati (2000 - saat ini) | President Director of PT Wahana Makmur Sejati (2000 - present)
• Direktur PT Wahanaartha Mandiri (2006 - sekarang) | Director of PT Wahanaartha Mandiri (2006 - present).
• Direktur PT Gandamitra Sukses Development (2006 - saat ini) | Director of PT Gandamitra Sukses Development (2006 - present).
• Direktur Utama PT Wahanaartha Harsaka (2007 - saat ini) | President Director of PT Wahanaartha Harsaka (2007 - present)
• Direktur Utama PT Sahari Sukses Investama (2007 - saat ini) | President Director of PT Sahari Sukses Investama (2007 - present).
• CEO PT Agro Maju Raya (2009 - saat ini) | CEO of PT Agro Maju Raya (2009 - present).
• Direktur Utama PT Wahanaartha Ritelindo (2011 - saat ini) | President Director of PT Wahanaartha Ritelindo (2011 - present)
• Direktur PT Sahari Multi Investama (2012 - saat ini) | Director of PT Sahari Multi Investama (2012 - present).
• Direktur Utama PT Sahari Inti Propertindo (2012 - saat ini) | President Director of PT Sahari Inti Propertindo (2012 - present).
• Komisaris Utama PT Budiman Jaya Sejahtera (2013 - saat ini) | President Commissioner of PT Budiman Jaya Sejahtera (2013 - present).
• Komisaris Utama PT Kalimas Mulikarsa (2013 - saat ini) | President Commissioner of PT Kalimas Mulikarsa (2013 - present).
• Komisaris PT Graha Sahari Utama (2014 - saat ini) | Commissioner of PT Graha Sahari Utama (2014 - present).
• Komisaris Utama PT Sima Graha Utama (2015 - saat ini) | President Commissioner of PT Sima Graha Utama (2015 - present).
• Direktur PT Sahari Investama Sejahtera (2018 - saat ini) | Director of PT Sahari Investama Sejahtera (2018 - present).
• Komisaris Utama PT Wahana Kalyanamitra Mahardhika (2019 - saat ini) | President Commissioner of PT Wahana Kalyanamitra Mahardhika (2019 - present).
Robbyanto Budiman
wakil presiden Komisaris vice President Commissioner
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 52 Tahun | Years oldDomisili | Domicile : Jakarta
Profil Dewan KomisarisBoard of Commissioner’s Profile
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Wakil Presiden Komisaris Perseroan sejak 2011 dan diangkat kembali sebagai Wakil Presiden Komisaris berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed Vice President Commissioner of the Company since 2011 and reappointed as Vice President Commissioner pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Hubungan Afiliasi | Affilated RelationshipMemiliki hubungan afiliasi dengan pemegang saham utama sebagai Direktur Utama PT Wahana Makmur Sejati.
Has affiliation with major shareholders as President Director ofPT Wahana Makmur Sejati.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH66
Riwayat Pendidikan | Educational BackgroundMeraih gelar MBA dari Northrop University, Los Angeles (1989) dan meraih gelar Sarjana Sains dari University of Southern California (1988).
Obtained MBA from Northrop University, Los Angeles (1989) and Bachelor of Science from University of Southern California (1988).
Pengalaman Kerja & Rangkap Jabatan | Professional Background & Concurrent Position• Direktur Utama PT Trinugraha Thohir (Holding Company) (1991
– saat ini) | President Director PT Trinugraha Thohir (Holding Company) (1991-present).
• Bendahara Yayasan Pondok Pesantren Cilangkap (1992 – saat ini) | Treasury of Pondok Pesantren Foundation Cilangkap (1992-present).
• Komisaris PT Trinugraha Food lndustry (Hanamasa Restaurant Group) - (1995 – saat ini) | Commissioner PT Trinugraha Food lndustry (Hanamasa Restaurant Group) (1995-present).
• Komisaris Utama PT Tristar Transindo (2006 – saat ini) | President Commissioner PT Tristar Transindo (2006-present).
• Komisaris utama PT Wahanaartha Harsaka (2007 – saat ini) | resident Commissioner PT Wahanaartha Harsaka (2007-present)
• Direktur Utama PT Adaro Energy Tbk (2008 – saat ini) | - President Director PT Adaro Energy Tbk (2008-present).
• Direktur Utama PT Surya Esa Perkasa Tbk (2009 – saat ini) | President Director PT Surya Esa Perkasa Tbk (2009-present)
• Komisaris PT Wahanaartha Ritelindo (2010 – saat ini) | - Commissioner PT Wahanaartha Ritelindo (2010-present).
• Komisaris Utama PT Sahari lnti Propertindo (2012 – saat ini) | President Commissioner PT Sahari lnti Propertindo (2012-present).
• Komisaris Bursa Efek lndonesia (2015 – saat ini) | Commissioner Bursa Efek lndonesia (2015-present).
• Komisaris Utama PT Wahana Makmur Sejati (2017 - saat ini) | President Commissioner of PT Wahana Makmur Sejati (2017 - present).
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Komisaris Perseroan sejak 2011 dan diangkat kembali sebagai Komisaris berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed Commissioner of the Company since 2011 and reappointed as Commissioner pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Hubungan Afiliasi | Affilated RelationshipMemiliki hubungan afiliasi dengan pemegang saham utama sebagai Komisaris Utama PT Wahana Makmur Sejati.
Has affiliation with major shareholders as President Commissioner ofPT Wahana Makmur Sejati.
Komisaris Commissioner
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 54 Tahun | Years oldDomisili | Domicile : Jakarta
Garibaldi Thohir
Profil Dewan KomisarisBoard of Commissioner’s Profile
Horizon of GrowtH 67PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Komisaris Commissioner
Kewarganegaraan | Citizenship : MalaysiaUmur | Age : 58 Tahun | Years oldDomisili | Domicile : Jakarta
Thilagavathy NadasonRiwayat Pendidikan | Educational BackgroundMeraih Science dari Sultan Ibrahim Girl’s School, Johor Bahru, Malaysia (1978), Science dari Anglo Chinese Junior College, Singapore (1981) dan Accounting dari National University of Singapore (1985).
Obtained Science from Sultan Ibrahim Girl’s School, Johor Bahru, Malaysia (1978), Science from Anglo Chinese Junior College, Singapore (1981) and Accounting from National University of Singapore (1985).
Pengalaman Kerja | Professional Background• Manager Assurance dan Pelatihan Pricewaterhouse Coopers
Singapore (1985-1992) | Assurance and Training Manager Pricewaterhouse Coopers Singapore (1985-1992)
• Senior Manager Assurance Pricewaterhouse Coopers Hongkong (1993-1997) | Senior Manager Assurance Pricewaterhouse Coopers Hongkong (1993-1997)
• Partner Transaction Services Pricewaterhouse Coopers Indonesia (1998 – 2005) | Partner Transaction Services Pricewaterhouse Coopers Indonesia (1998 – 2005)
• Direktur, Chief Finance Officer (juga Direktur Operations and Branch Service Center sejak 2005 sampai 2009) PT Bank Lippo Tbk (merger dengan Bank Niaga pada 2008 dan berubah nama menjadi CIMB Niaga Tbk) (2005 – 2009) | Director, Chief Finance Officer (also Operations and Branch Service Center Directors (2005-2008) PT Bank Lippo Tbk (merger with Bank Niaga on 2008 and changed name to CIMB Niaga Tbk) (2005 – 2009)
Rangkap Jabatan | Concurrent Position• Finance Director PT Bank Maybank Indonesia Tbk (d/h PT
Bank International Indonesia Tbk) sejak 2009 – saat ini | Finance Director PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) since 2009.
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Komisaris Perseroan sejak 2015 dan diangkat kembali sebagai Komisaris berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed Commissioner of the Company since 2015 and reappointed as Commissioner pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Hubungan Afiliasi | Affilated RelationshipMemiliki hubungan afiliasi dengan pemegang saham pengendali sebagai Direktur Keuangan PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk).
Has affiliation with the controlling shareholders as Finance Director of PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk).
Profil Dewan KomisarisBoard of Commissioner’s Profile
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH68
Pengalaman Kerja | Professional Background• Direktur KAP Hadi Sutanto & Rekan (Pricewaterhouse Coopers)
(1987-2004) | Director of Public Accounting Firm Hadi Sutanto & Rekan (Pricewaterhouse Coopers) (1987-2004).
• Non-Equity Partner KAP Haryanto Sahari & Rekan (Pricewaterhouse Coopers) (2004-2007) | Non-Equity Partner Public Accounting Firm Haryanto Sahari & Rekan (Pricewaterhouse Coopers) (2004-2007).
• Konsultan Tass Consulting (2007-2010) | Consultant of Tass Consulting (2007-2010).
• Dosen Yayasan Pendidikan Bakrie (2007-2009) | Lecturer of Bakrie Education Foundation (2007-2009).
• Anggota Komite Audit PT Indo Tambangraya Megah Tbk (2008-2012) | Member of Audit Committee PT Indo Tambangraya Megah Tbk (2008-2012).
• Anggota Dewan Pengurus Ikatan Komite Audit Indonesia (2013-2016) | Board Member of Indonesia Audit Committee Association (2013 – 2016).
Rangkap Jabatan | Concurrent Position• Anggota Komite Audit PT Bumi Resources Tbk (2012 – saat
ini) | Member of Audit Committee PT Bumi Resources Tbk (2012-present).
• Anggota Komite Audit PT Sarana Menara Nusantara Tbk (2013 – saat ini) | Member of Audit Committee PT Sarana Menara Nusantara Tbk (2013-present).
• Anggota Komite Audit Koperasi Mitra Dhuafa (Komida) (2014 – saat ini) | Member of Audit Committee Koperasi Mitra Dhuafa (Komida) (2014-present).
• Ketua Dewan Pengurus Ikatan Komite Audit Indonesia (2016 – saat ini) | Board Member of Indonesia Audit Committee Association (2016-present).
• Ketua Komite Nominasi dan Remunerasi PT Wahana Ottomitra Multiartha Tbk (2017 – saat ini) | Chairman of Nomination and Remuneration of PT Wahana Ottomitra Multiartha Tbk (2017-present).
• Anggota Komite Audit PT Profesional Telekomunikasi Indonesia Tbk (Protelindo) (2018 – saat ini) | Member of Audit Committee of PT Profesional Telekomunikasi Indonesia Tbk (Protelindo) (2018 - present)
• Anggota Dewan Sertifikasi Ikatan Komite Audit Indonesia (2019 – saat ini) | Member of Certification Board of Indonesian Audit Committee (2019 - present).
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Komisaris Independen Perseroan sejak 2010 dan diangkat kembali sebagai Komisaris berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed Commissioner of the Company since 2010 and reappointed as Commissioner pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Hubungan Afiliasi | Affilated RelationshipBeliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun dengan Pemegang Saham Utama dan pengendali.
She does not have any affiliate relationships with members of the Board of Directors, members of the Board of Commissioners or the Controlling and Major Shareholders.
Riwayat Pendidikan | Educational BackgroundMeraih gelar Sarjana Akuntansi, Fakultas Ekonomi dari Universitas Indonesia (1987) dan meraih gelar Magister Hukum Bisnis Fakultas Hukum dari Universitas Padjadjaran, Bandung (2006).
Obtained Bachelor Degree in Accounting, Economic Faculty from University of Indonesia (1987) and Business Law / Master of Law Program, Law Faculty from University of Padjadjaran, Bandung (2006).
Komisaris independen Independent Commissioner
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 56 Tahun | Years oldDomisili | Domicile : Jakarta
Myrnie Zachraini Tamin
Profil Dewan KomisarisBoard of Commissioner’s Profile
Horizon of GrowtH 69PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
PROfIL DIREKSIBoard of Director’s Profile
Riwayat Pendidikan | Educational BackgroundMeraih gelar Bsc Finance dari California State University of Sacramento, USA (1986).
Obtained Bsc Finance from California State University of Sacramento, USA (1986).
Pengalaman Kerja | Professional Background• Management Trainee, all banking activities, PT Bank Maybank
Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Juanda Branch, Jakarta (1987-1988).
• Account Officer, Corporate Credit & Marketing, PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Thamrin Main Branch, Jakarta (1988-1989).
• Manager, Corporate Credit and Marketing, PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Thamrin Main Branch, Jakarta (1990-1991).
• Senior Manager, Sub Branch Manager, PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Tanah Abang Branch, Jakarta (1991-1992).
• AVP Branch Manager, PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Bandung Branch, West Java (1993-1996).
• VP Deputy Area Manager for Middle & West Java Area, PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Bandung, West Java (1996 – 1996).
• VP Branch Manager, PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Kalibesar Branch Jakarta (1996-1999).
• VP Temporary Head of Credit Review Division PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk), Thamrin Head Office (2000 – 2000).
• SVP Regional Head for Sumatera PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia), Sumatera (1999-2002).
• SVP Regional Head East Java & Eastern part of Indonesia PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Surabaya (2002 – 2002).
• Regional Sales Head East Java, Bali, NTT/NTB PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk), Surabaya (2003-2005).
• Regional Sales Head PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk), Jakarta (2005 – 2005).
• SVP Chief National Sales Officer PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Jakarta (2005-2007).
• SVP Chief Secured Loan Officer PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk) Jakarta (2007-2010).
• EVP Regional & Branch Network Development Head PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia Tbk), Jakarta (2011 – 2011).
• Presiden Komisaris/ President Commissioner PT Maybank Indonesia Finance (d/h PT BII Finance), Jakarta (2007-2013).
• Komisaris/ Commissioner PT Maybank Indonesia Finance (d/h PT BII Finance), Jakarta (2013-2017).
Rangkap Jabatan | Concurrent PositionTidak Ada | None
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Presiden Direktur Perseroan sejak 2011 dan diangkat kembali sebagai Presiden Direktur berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed President Director of the Company since 2011 and reappointed as President Director pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Djaja Suryanto Sutandar
To lead and manage the Company including providing strategic directives in terms of policies and strategies in business development, risk management, operations, finance and human resources, in order to be in line with the Company’s objectives. And to monitor and ensure effective and efficient operations activities by emphasizing on quality, service excellence with due observance to the principles of Good Corporate Governance.
Hubungan Afiliasi | Affilated RelationshipBeliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun dengan Pemegang Saham Utama dan pengendali.
He does not have any affiliate relationships with members of the Board of Directors, members of the Board of Commissioners or the Controlling and Major Shareholders.
presiden direktur President Director
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 55 Tahun | Years oldDomisili | Domicile : Jakarta
Tugas dan Tanggung Jawab | Duties and ResponsibilitiesMemimpin dan mengelola Perseroan termasuk memberikan arahan strategis dalam hal kebijakan dan strategi di lingkup pengembangan bisnis, manajemen risiko, operasional, keuangan dan sumber daya manusia, agar sesuai dengan tujuan Perseroan. Serta memantau dan memastikan kegiatan operasional berjalan secara efektif, efisien dengan mengedepankan kualitas, service excellence serta berpedoman pada prinsip Good Corporate Governance.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH70
direktur Director
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 40 Tahun | Years oldDomisili | Domicile : Jakarta
• VP Consumer Strategy & MIS Head PT Bank Maybank Indonesia Tbk (d/h PT Bank International Indonesia) Tahun 2010-2011. | VP Consumer Strategy & MIS Head PT Maybank Indonesia Tbk (d/h PT Bank Internasional Indonesia) 2010-2011 year.
• Senior Manager Business Analyst Report to Managing Director Property, Infrastructure & Media PT Rajawali Corpora (2011-2012). | Senior Manager Business Analyst Report to Managing Director Property, Infrastructure & Media PT Rajawali Corpora (2011-2012).
• Financial Controller PT Wahana Ottomitra Multiartha Tbk (2012-2013). | Financial Controller PT Wahana Ottomitra Multiartha Tbk (2012-2013).
Rangkap Jabatan | Concurrent PositionSekretaris Perusahaan PT Wahana Ottomitra Multiarta Tbk (2014-saat ini). | Corporate Secretary PT Wahana Ottomitra Multiarta Tbk (2014-present).
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Direktur Perseroan sejak 2013 dan diangkat kembali sebagai Direktur berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed Director of the Company since 2013 and reappointed as Director pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Tugas dan Tanggung Jawab | Duties and ResponsibilitiesBertanggung jawab terhadap seluruh pengelolaan keuangan Perseroan serta memantau dan memastikan pengelolaan keuangan Perseroan sesuai dengan peraturan internal Perseroan, dan peraturan perundang-undangan yang berlaku, kebijakan dan prosedur serta standar akutansi keuangan di Indonesia. Selain itu membuka dan menjalin hubungan kerjasama dengan pihak lain dalam rangka mendapatkan investor yang tepat bagi Perseroan sebagai pelaksanaan fungsi corporate secretary di Perseroan dalam rangka menjaga dan memperkuat image Perseroan di mata publik.
In charge of all the Company’s financial management as well as to monitor and ensure that the Company’s financial management is in accordance with the Company’s internal rules, and prevailing regulatories, policies and procedures as well as standard of financial accounting in Indonesia. In addition, responsible to open and maintain cooperation relations with other parties in order to obtain appropriate investors for the Company, as the implementation of corporate secretary functions hence to maintain and strengthen the Company’s image to the public.
Hubungan Afiliasi | Affilated RelationshipBeliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun dengan Pemegang Saham Utama dan pengendali.
He does not have any affiliate relationships with members of the Board of Directors, members of the Board of Commissioners or the Controlling and Major Shareholders.
Zacharia Susantadiredja
Profil DireksiBoard of Director’s Profile
Riwayat Pendidikan | Educational BackgroundMeraih gelar Sarjana Manajemen Keuangan Fakultas Ekonomi dari Universitas Katolik Atmajaya, Jakarta (2003).
Obtained Bachelor Degree in Financial Management, Economics Faculty from University of Atmajaya, Jakarta (2003).
Pengalaman Kerja | Professional Background• Staf Pemasaran PT Asuransi Dayin Mitra Tbk (2001-2003) |
Marketing Staff PT Asuransi Dayin Mitra Tbk (2001-2003).• Associate Operation/ Planning-Assistant Manager PT Bank
Danamon Indonesia Tbk (2003-2006). | Associate Operation/ Planning-Assistant Manager PT Bank Danamon Indonesia Tbk (2003-2006).
• AVP Planning & Monitoring Para Group (Bank Mega) (2006-2007). | AVP Planning & Monitoring Para Group (Bank Mega) (2006-2007).
• SAVP Budgeting & Financial Forecast Division Head PT Bank CIMB Niaga Tbk (d/h Bank Lippo) (2007-2010). | SAVP Budgeting & Financial Forecast Division Head PT Bank CIMB Niaga Tbk (d/h Bank Lippo) (2007-2010).
Horizon of GrowtH 71PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Anthony Y PanggabeanRiwayat Pendidikan | Educational BackgroundMenyelesaikan pendidikan Jurusan Manajemen Informatika dari Akademi Ilmu Komputer dan Teknologi dari Informatika Gunadarma, Jakarta (1986) dan meraih gelar Sarjana Manajemen Informatika dari Universitas Gunadarma, Jakarta (1993).
Graduated in Management Informatics from Computer Science and Information Technology Academy Gunadarma, Jakarta (1986) and obtained Bachelor Degree in Management Informatics from University of Gunadarma, Jakarta (1993).
Pengalaman Kerja | Professional Background• Regional Office I Jakarta Area, Accounting Coordinator staff PT
Bank CIMB Niaga Tbk (d/h / formerly PT Bank Niaga Indonesia Tbk) (1986-1993).
• Head of Operation Risk Management & Policy Unit PT Bank MNC Indonesia, Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (Apr 2002 – Jul 2002).
• Head of Service Quality Assurance Unit PT Bank MNC Indonesia Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (Aug 2001 – Mar 2002).
• Head of Operation, Financial Special Audit Unit PT Bank MNC Indonesia Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (Apr 2001 – Jul 2001).
• Head of Operation Division Jakarta PT Bank MNC Indonesia Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (1997-2001).
• Head of Sundries Section-Head Office Jakarta PT Bank MNC Indonesia Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (1996-1997).
• Head of Loan Administration Section, Head Office Jakarta PT Bank MNC Indonesia Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (1994-1996).
• Group Head of Operation and IT PT Bank MNC Indonesia Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (2002-2008)
• Group Head of Operation PT Bank MNC Indonesia Tbk (d/h / formerly PT Bank Bumiputera Indonesia Tbk) (2008-2010).
• Acting Service Quality Head PT Bank Maybank Indonesia Tbk (d/h / formerly PT Bank International Indonesia Tbk) (Jan 2011 – Maret 2011).
• Regional Operation Head Sumatera PT Bank Maybank Indonesia Tbk (d/h / formerly PT Bank International Indonesia Tbk) (2010-2011).
• Regional Operation Head Ekajiwa PT Bank Maybank Indonesia Tbk (d/h / formerly PT Bank International Indonesia Tbk) (2011-2012).
• Operasional cabang (Branch Operation) PT Bank Maybank Indonesia Tbk (d/h / formerly PT Bank International Indonesia Tbk) (July 2012 – 14 Sep 2012).
• Head Operation Support Jakarta Ekajiwa dan Puri Kencana PT Bank Maybank Indonesia Tbk (d/h / formerly PT Bank International Indonesia Tbk) (2012-2013).
• International Assigment in Maybank KL involved in Regional Banking System Project PT Bank Maybank Indonesia Tbk (d/h / formerly PT Bank International Indonesia Tbk) (2013-2014).
Rangkap Jabatan | Concurrent PositionTidak Ada | None
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Direktur Perseroan sejak 2016 dan diangkat kembali sebagai Direktur berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed Director of the Company since 2016 and reappointed as Director pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Tugas dan Tanggung Jawab | Duties and ResponsibilitiesBertanggung jawab terhadap seluruh pengelolaan kegiatan operasional yang meliputi pada penyusunan dan penetapan policy dan procedure yang berlaku pada internal Perseroan, penyelenggaraan fungsi service, contact center, Quality Assurance, litigasi dan information technology (“IT”) Perseroan.
In charge of all the operations activities management including the development and stipulation of policies and procedures applicable in the Company’s internal, implementation of service, contact center, Quality Assurance, litigation and Information Technology (IT) of the Company.
Hubungan Afiliasi | Affilated RelationshipBeliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun dengan Pemegang Saham Utama dan pengendali.
He does not have any affiliate relationships with members of the Board of Directors, members of the Board of Commissioners or the Controlling and Major Shareholders.
Profil DireksiBoard of Director’s Profile
direktur Director
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 57 Tahun | Years oldDomisili | Domicile : Jakarta
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH72
Njauw Vido Onadi • Internal Audit Team Leader PT BFI Finance Indonesia Tbk (2003-2006). | Internal Audit Team Leader PT BFI Finance Indonesia Tbk (2003-2006).
• Credit Operation Manager PT BFI Finance Indonesia Tbk (2007-2010). | Credit Operation Manager PT BFI Finance Indonesia Tbk (2007-2010).
• Associate Dept Head Risk Management PT BFI Finance Indonesia Tbk (2010-2011). | Associate Dept Head Risk Management PT BFI Finance Indonesia Tbk (2010-2011).
• Credit Policy & Development Dept Head PT OTO Multiartha (2011). | Credit Policy & Development Dept Head PT OTO Multiartha (2011).
• SVP Portfolio Mgt & Risk Analytic PT BFI Finance Indonesia Tbk (2011-2016). | SVP Portfolio Mgt & Risk Analytic PT BFI Finance Indonesia Tbk (2011-2016).
Rangkap Jabatan | Concurrent PositionTidak Ada | None
Dasar Hukum Penunjukkan | Appointment BackgroundBeliau menjabat sebagai Direktur Perseroan sejak 2016 dan diangkat kembali sebagai Direktur berdasarkan Akta Pernyataan Keputusan Rapat Perseroan No. 30 tanggal 31 Mei 2017 dibuat dihadapan Rini Yulianti, SH Notaris di Kota Jakarta Timur.
Appointed Director of the Company since 2016 and reappointed as Director pursuant to the Company Meeting Resolution Deed No. 30 dated May 31, 2017 made before Rini Yulianti, SH Notary in East Jakarta.
Tugas dan Tanggung Jawab | Duties and ResponsibilitiesMemantau dan memastikan fungsi manajemen risiko di Perseroan berjalan efektif, mengarahkan dan memantau aktivitas initiation credit agar berjalan efektif dalam rangka mendorong pertumbuhan bisnis Perseroan dengan kualitas portfolio yang baik.
To monitor and ensure effective implementation of risk management function in the Company, to direct and monitor effective credit initiation activities for the improvement of the Company’s business growth with good portfolio quality.
Hubungan Afiliasi | Affilated RelationshipBeliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun dengan Pemegang Saham Utama dan pengendali.
He does not have any affiliate relationships with members of the Board of Directors, members of the Board of Commissioners or the Controlling and Major Shareholders.
Riwayat Pendidikan | Educational BackgroundMenyelesaikan pendidikan Jurusan Akuntansi dari Universitas Katolik Atmajaya (2003) dan Jurusan Keuangan dari Universitas Gadjah Mada, Yogyakarta (2010).
Graduated in Accounting from Catholic University of Atmajaya (2003) and Financial from University of Gadjah Mada, Yogyakarta (2010).
Pengalaman Kerja | Professional Background• Kantor Akuntan Publik Trisno, Agoes dan Rekan, Auditor
(2003). | Public Accounting Firm Trisno, Agoes dan Rekan, Auditor (2003).
direktur Director
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 40 Tahun | Years oldDomisili | Domicile : Jakarta
Profil DireksiBoard of Director’s Profile
Horizon of GrowtH 73PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
WibowoRiwayat Pendidikan | Educational BackgroundMenyelesaikan pendidikan Jurusan Ekonomi Akuntansi dari STIE YKPN Yogyakarta (1996).
Graduated from Economic Accounting from STIE YKPN Yogyakarta (1996).
Pengalaman Kerja | Professional Background• Branch Manager (2004-2015), Branch Manager Main Branch
(2013) dan Area Manager Jawa Timur 1 PT BFI Finance Indonesia Tbk | Branch Manager (2004-2015), Branch Manager Main Branch (2013) and Area Manager East Java 1 PT BFI Finance Indonesia Tbk (1997-2015).
• Regional Office Head East Java & Kalimantan PT Buana Finance Tbk (2015-2016) | Regional Office Head East Java & Kalimantan PT Buana Finance Tbk (2015-2016)
• Business Director PT Serba Mulia Auto (2017-2019) | Business Director PT Serba Mulia Auto (2017-2019).
Rangkap Jabatan | Concurrent PositionTidak Ada | None
Dasar Hukum Penunjukkan | Appointment BackgroundDiangkat pada RUPS 10 Oktober 2019 (saat ini masih dalamproses fit & proper test OJK dan akan efektif menjabat setelah mendapat persetujuan dari OJK).
Was appointed on EGMS October 10 2019 (currently still in the process of Fit and Proper test of the Financial Services Authority and will be effectively served after obtaining approval from the Financial Services Authority.
Tugas dan Tanggung Jawab | Duties and ResponsibilitiesMerencanakan dan menyusun Marketing Strategic Plan termasuk di dalamnya merencanakan budget operasional Direktorat dibawahnya, serta mengkomunikasikannya kepada seluruh jajaran executive management serta memantau dan memastikan seluruh kegiatan pengembangan bisnis Perseroan dan implementasi kebijakan marketing yang diterapkan di Perseroan berjalan sesuai yang ditetapkan Perseroan.
To plan and develop the Marketing Strategic Plan including its operations budget planning for the Directorates under its delegation, as well as communicating it to all executive managements. Also to monitor and ensure that all of the Company’s business development activities and marketing policy implementation set out by the Company are performed according to the Company’s stipulations.
direktur *Director *
Kewarganegaraan | Citizenship : IndonesiaUmur | Age : 46 Tahun | Years oldDomisili | Domicile : Jakarta
HubunganAfiliasi| AffilatedRelationshipBeliau tidak memiliki hubungan afiliasi baik dengan anggotaDireksi, anggota Dewan Komisaris lainnya maupun dengan Pemegang Saham Utama dan pengendali.
Hedoesnothaveanyaffiliaterelationshipswithmembersoftheboard of Directors, members of the board of Commissioners or the Controlling and Major Shareholders.
Profil DireksiBoard of Director’s Profile
*Diangkat pada RUPSLB 10 Oktober 2019 (saat ini masih dalam proses fit & proper test OJK dan akan efektif menjabat setelah mendapat persetujuan dari OJK). | Was appointed on EGMS October 10 2019 (currently still in the process of Fit and Proper test of the Financial Services Authority and will be effectively served after obtaining approval from the Financial Services Authority).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH74
PROfIL DEWAN PENGAWAS SYARIAHSharia Supervisory Board
Profil | ProfileMenjabat sebagai Ketua Dewan Pengawas Syariah Perseroan sejak tahun 2009. Beliau menamatkan pendidikan Sarjana dari Universitas Al-Azar, Kairo pada tahun 1979, kemudian meraih Gelar Master di Institusi Studi Islam, Kairo – Mesir pada tahun 1991, dan meraih gelar Doktor di Universitas Islam Negeri Syarif Hidayatullah – Jakarta pada tahun 2008. Beliau adalah dosen tetap Sekolah Tinggi Agama Islam Attaqwa, beliau juga dulu merupakan dosen tidak tetap di IAIN Jakarta, STEKPI Jakarta dan UNISMA 45 Bekasi. Serves as Chairman of the Company’s Sharia Supervisory Board since 2009. Obtained a Bachelor degree from University of Al-Azar, Kairo in 1979, then Master Degree from Islamic Study Institution, Kairo – Egypt in 1991, and obtained Doctoral Degree from University of Islam Negeri Syarif Hidayatullah – Jakarta in 2008. He is a permanent lecturer in Islamic Attaqwa Academy, he also a non-permanent lecturer in IAIN Jakarta, STEKPI Jakarta and UNISMA 45 Bekasi.
Dr. Abdul Jabar Majid, MAKetuaChairman
67 Tahun | Years oldWarganegara Indonesia | Indonesian Citizen
Horizon of GrowtH 75PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
H. Muh. Taufik Darmansyah, SEanggotaMember
63 Tahun | Years oldWarganegara Indonesia | Indonesian Citizen
Profil | ProfileMenjabat sebagai Anggota Dewan Pengawas Syariah Perseroan sejak 2007. Beliau menamatkan pendidikan Sarjana Ekonomi Manajemen dari Universitas Airlangga, Surabaya (1983). Saat ini beliau menjabat sebagai Bendahara Yayasan di YSA dan Sekretaris Badan Pengelola Sekolah (SABS) – 2011 sampai sekarang. Direktur Utama PT BPRS Amanah Insani 1997 – saat ini, dan Distributor Independen PT Enagic Indonesia 2015 – saat ini. Serves as Member of the Company’s Sharia Supervisory Board since 2007. Obtained a Bachelor degree in Economics Management from University of Airlangga, Surabaya (1983). He currently serves as Treasury of YSA Foundation and School Management Secretary (SABS) since 2011. Serves as President Director PT BPRS Amanah Insani since 1997, and Independent Distributor PT Enagic Indonesia since 2015.
Profil Dewan Pengawas SyariahSharia Supervisory Board
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH76
Profil Dewan Pengawas SyariahSharia Supervisory Board
Ir. H. Muhammad Nadratuzzaman Hosen, MS.,MEc., Phd.anggotaMember
58 Tahun | Years oldWarganegara Indonesia | Indonesian Citizen
Profil | ProfileMenjabat sebagai Anggota Dewan Pengawas Syariah Perseroan sejak tahun 2011. Menamatkan pendidikan Sarjana Peternakan dan Pendidikan Pasca Sarjana Perencanaan Pembangunan Wilayah & Pedesaan di Institut Pertanian Bogor. Beliau juga meraih gelar Master of Economic dan gelar Doctor of Philosophy in Economic di University of New England, Australia. Beliau adalah dosen di Fakultas Ekonomi Islam di UIN Jakarta. Beliau pernah menjabat sebagai Direktur Executive Islamic Banking and Finance (IBFI) Trisakti 2011-2013. Dekan Fakultas Ekonomi YARSI 2009- 2011. Direktur Pusat Komunikasi Ekonomi Syariah (PKES), 2005-2009. Vice President MACON International Consultant, 2004. Staff Ahli Bidang BUMN di Komisi V, DPR RI periode 2001-2004, dan Peneliti Senior SMERU Research Instiute, 2003. Serves as Member of the Company’s Sharia Supervisory Board since 2011. Obtained a Bachelor Degree in Animal Husbandry and Post Graduate in Regional & Rural Development Planning in Bogor Agricultural Institute. He also earned a Master Degree of Economics and Doctoral Degree of Philosophy in Economics from University of New England, Australia. He is a lecturer in Islamic Economics Faculty of UIN Jakarta. He served as Executive Director Islamic Banking and Finance (IBFI) Trisakti 2011- 2013. Dean of Economics Faculty YARSI 2009-2011. Director of Sharia Economics Communication Centre (PKES) 2005-2009. Vice President MACON International Consultant 2004. Expert Staff of SOEs at the Commission V, DPR RI period of 2001-2004, and Senior Researcher SMERU Research Institute 2003.
Horizon of GrowtH 77PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
PEJAbAT SENIORSenior Management
gilbert samuel siahaanBusiness Unit Head Jakarta Tangerang, SerangUsia 48 tahun. Beliau menjabat sebagai Kepala Regional Jakarta, Tangerang dan Serang sejak 01 November 2018 dan menamatkan pendidikannya di Universitas Udayana.
48 years old. He serves as Business Unit Head Jakarta, Tangerang and Serang since 01 November 2018 and graduated from University of Udayana.
marto satya Nugroho hutabaratDeputy Business Unit Jakarta, Tangerang, SerangUsia 37 tahun. Beliau menjabat sebagai Wakil Kepala Regional Jakarta, Tangerang dan Serang sejak 01 Agustus 2019 dan menamatkan pendidikannya di Universitas Sumatera Utara.
37 years old. He serves as Deputy Business Unit Head Jakarta, Tangerang and Serang since August 01, 2019 and graduated from University of Northern Sumatra.
raymond adianto NMarketing Deputy DirectorUsia 39 tahun. Beliau menjabat sebagai Marketing Deputy Director sejak 01 September 2019 dan menamatkan pendidikan di Trisakti School of Management.
39 years old. He serves as Marketing Deputy Director since 01 September 2019 and graduated from Trisakti School of Management.
andriansyahBusiness Unit Head East Java, Bali, Nusa TenggaraUsia 43 tahun. Beliau menjabat sebagai Kepala Regional Jawa Timur sejak 01 November 2018 dan menamatkan pendidikannya di Universitas Islam Indonesia Yogyakarta.
43 years old. He serves as Business Unit Head East Java since 01 November 2018 and graduated from University of Islam Indonesia Yogyakarta.
audi pramadita putraDeputy Business Unit Head East Java, Bali, Nusa TenggaraUsia 32 tahun. Beliau menjabat sebagai Wakil Kepala Kepala Regional Jawa Timur sejak 01 November 2019 dan menamatkan pendidikannya di UPN Veteran.
32 years old. He serves as Deputy Business Unit Head East Java since November 01, 2019 and graduated from University of UPN Veteran.
ekanto wijonosunuChief Human Capital OfficerUsia 59 tahun. Beliau menjabat sebagai Chief Human Capital Officer sejak 20 November 2017 dan menamatkan pendidikan di Universitas Sebelas Maret.
59 years old. He Serves as Chief Human Capital Officer since 20 November 2017 and graduated from University of Sebelas Maret.
lambertus langkunBusiness Head West JavaUsia 46 tahun. Beliau menjabat sebagai Kepala Regional Jawa Barat sejak 01 Desember 2013 dan menamatkan pendidikannya di Universitas Jayabaya.
46 years old. He serves as Business Unit Head West Java since 01 December 2013 and graduated from University of Jayabaya.
tasrif h m salehDeputy Business Head West JavaUsia 40 tahun. Beliau menjabat sebagai Wakil Kepala Regional Jawa Barat sejak 01 Oktober 2019 dan menamatkan pendidikannya di Universitas Jayabaya.
40 years old. He serves as Deputy Business Unit Head West Java since October 01, 2019 and graduated from University of Jayabaya
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH78
Pejabat SeniorSenior Management
effendi simatupangBusiness Unit Head North of SumateraUsia 51 tahun. Beliau menjabat sebagai Kepala Regional Sumatera bagian Utara sejak 05 September 2016 dan menamatkan pendidikannya di Universitas Amir Hamzah.
51 years old. He serves as Business Unit Head Northern Sumatera since 05 September 2016 and graduated from University of Amir Hamzah.
Luthfiyudi K. NurhidayatullahDeputy Business Unit Head North of SumateraUsia 42 tahun. Beliau menjabat sebagai Wakil Kepala Regional Sumatera bagian Utara sejak 12 Agustus 2019 dan menamatkan pendidikannya di Universitas Muhammadiyah Yogyakarta.
42 years old. He serves as Deputy Business Unit Head Northern Sumatra since August 12, 2019 and graduated from University of Muhammadiyah Yogyakarta.
armawati, shBusiness Unit Head Kalimantan SulawesiUsia 52 tahun. Beliau menjabat sebagai Kepala Regional Kalimantan dan Sulawesi sejak 1 Desember 2019 dan menamatkan pendidikannya di Universitas Hasanuddin Makassar.
52 years old. She serves as Business Unit Head Kalimantan and Sulawesi since 1 December 2019 and graduated from University of Hasanuddin Makassar.
andreas adityaBusiness Unit Head South of SumateraUsia 35 tahun. Beliau menjabat sebagai Kepala Regional Sumatera bagian Selatan sejak 01 November 2018 dan menamatkan pendidikannya di Univesitas Brawijaya.
35 years old. He serves as Business Unit Head Southern Sumatera since 01 November 2018 and graduated from University of Brawijaya.
Cristina m.F samosirHC Strategic & Development Division Head Usia 41 tahun. Beliau menjabat sebagai HC Strategic & Development Division Head sejak 01 Oktober 2018 dan menamatkan pendidikan di Institut Pertanian Bogor.
41 years old. She serves as HC Strategic & Development Division Head since 01 October 2018 and graduated from Institute of Agricultural Bogor.
heru santosa hadiyantoBusiness Network & InitiativeManagement Division HeadUsia 35 tahun. Beliau menjabat sebagai Business Network & Initiative Management Division Head sejak 01 Juni 2016 dan menamatkan pendidikan di Universitas Tarumanegara.
35 years old. He serves as Business Network & Initiative Management Division Head since 01 June 2016 and graduated from University of Tarumanegara.
Bambang purwantoBusiness Unit Head Central JavaUsia 39 tahun. Beliau menjabat sebagai Kepala Regional Kalimantan dan Sulawesi sejak 1 Oktober 2017 serta melanjutkan jabatannya sebagai Kepala Regional Jawa Tengah sejak 01 Desember 2019 dan menamatkan pendidikannya di Universitas Budi Luhur.
39 years old. He serves as Business Unit Head Kalimantan and Sulawesi since 1 October 2017 and continued his position as Business Unit Head Central Java since 01 December 2019 and graduated from University of Budi Luhur.
Johan sutantoDeputy Business Unit HeadCentral JavaUsia 40 tahun. Beliau menjabat sebagai Wakil Kepala Regional Jawa Tengah sejak 01 Desember 2017.
40 years old. He serves as Deputy Business Unit Head Central Java since December 01, 2017.
Horizon of GrowtH 79PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Pejabat SeniorSenior Management
ignatius prasetyaInternal Audit Division HeadUsia 39 tahun. Beliau menjabat sebagai Internal Audit Division Head sejak 01 September 2018 dan menamatkan pendidikan di STIE Perbanas.
39 years old. He serves as Internal Audit Division Head since 01 September 2018 and graduated from STIE Perbanas.
andri setiawanNon Dealer Sales Car Division headUsia 37 tahun. Beliau menjabat sebagai Non Dealer Sales Car Division Head sejak 01 Juni 2017 dan menamatkan pendidikan di Universitas Padjajaran.
37 years old. He serves as Non Dealer Sales Car Division Head since 01 June 2017 and graduated from University of Padjajaran.
surya lesmanaMarketing brand yamaha, Used bike & Others Division HeadUsia 49 tahun. Beliau menjabat sebagai Marketing Brand Yamaha Used Bike & Others Division Head sejak 01 Mei 2018 dan menamatkan pendidikan di Universitas Persada Indonesia Y.A.I.
49 years old. He serves as MarketingBrand Yamaha Used Bike & Others Division Head since 01 May 2018 and graduated from University of Persada Indonesia Y.A.I.
ChristinLegal, corporate Litigation, & Compliance Division HeadUsia 37 tahun. Beliau menjabat sebagai Legal, Corporate Litigation, & Compliance Division Head sejak 01 September 2019 dan menamatkan pendidikan di Universitas Trisakti.
37 years old. She serves as Legal, Corporate Litigation, & Compliance Division Head since 01 September 2019 and graduated from University of Trisakti.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH80
saidina daud BantayanCollection & Remedial Division headUsia 40 tahun. Beliau menjabat sebagai Collection & Remedial Division Head sejak 01 Maret 2017 dan menamatkan pendidikan di IBII Jakarta.
40 years old. He serves as Collection & Remedial Division Head since 01 March 2017 and graduated from IBII Jakarta.
irene KhoeAccounting Division HeadUsia 46 tahun. Beliau menjabat sebagai Finance & Accounting Division Head sejak 01 Juni 2011 dan menamatkan pendidikan di Universitas Tarumanegara.
46 years old. She serves as Finance & Accounting Division Head since 01 June 2011 and graduated from University of Tarumanegara.
toni windartoSharia Business Unit HeadUsia 51 tahun. Beliau menjabat sebagai Kepala Unit Usaha Syariah sejak 29 Juni 2012 dan menamatkan pendidikan di Universitas Janabadra.
51 years old. He serves as Sharia Business Unit Head since 29 June 2012 and graduated from University of Janabadra.
herwinRisk Management Division headUsia 40 tahun. Beliau menjabat sebagai Risk Management Division Head sejak 01 Februari 2017 dan menamatkan pendidikannya di Universitas Padjajaran.
40 years old. He serves as Risk Management Division Head since 01 February 2017 and graduated from University of Padjajaran.
Pejabat SeniorSenior Management
hariyantoCredit Division HeadUsia 41 tahun. Beliau menjabat sebagai Credit Division Head sejak 1 Februari 2019 dan menamatkan pendidikan di Akademi Akuntansi YAI.
41 years old. He serves as Credit Division Head since 1 February 2019 and graduated from YAI Accounting Academy.
ria rizky maulinaNon Dealer Sales Motorcycle Division HeadUsia 32 tahun. Beliau menjabat sebagai Non Dealer Sales Motorcycle Division Head sejak 01 Juni 2017 dan menamatkan pendidikan di Universitas Brawijaya.
32 years old. She serves as Non Dealer Sales Motorcycle Division Head since 01 June 2017 and graduated from University of Brawijaya.
Horizon of GrowtH 81PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Jony halimFinancial Planning & Investor Relation Division Head
Jimmy sutrisnoCorporate Business Senior AnalystUsia 38 tahun. Beliau menjabat sebagai Corporate Business Senior Analyst sejak 01 Agustus 2015 dan menamatkan pendidikan di Universitas Tarumanegara.
38 years old. He serves as Corporate Business Senior Analyst since 01 August 2015 and graduated from University of Tarumanegara.
Pejabat SeniorSenior Management
panji dwisatia munajatProject Management OfficeUsia 39 tahun. Beliau menjabat sebagai Project Management Office sejak 05 Desember 2017 dan menamatkan pendidikan di Universitas Padjajaran.
39 years old. He serves as Project Management Office since 05 December 2017 and graduated from University of Padjajaran.
Felix priscelliusIT Division HeadUsia 35 tahun. Beliau menjabat sebagai IT Division Head sejak 01 Agustus 2016 dan menamatkan pendidikan di Bina Nusantara.
35 years old. He serves as IT Division Head since 01 August 2016 and graduated from Bina Nusantara.
Usia 41 tahun. Beliau menjabat sebagai Financial Planning & Investor Relations Division Head sejak 23 Juli 2012 dan menamatkan pendidikan di Universitas Padjajaran. Menjabat hingga 31 Desember 2019.
41 years old. He serves as Financial Planning & Investor Relations Division Head since 23 July 2012 and graduated from University of Padjajaran. Effective until 31 December 2019.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH82
Pejabat SeniorSenior Management
david FerdinandIT Project Deputy Division headUsia 38 tahun. Beliau menjabat sebagai IT Project Deputy Division Head sejak 01 April 2017 dan menamatkan pendidikannya di STIE Mulia Pratama.
38 years old. He serves as IT Project Deputy Division Head since 01 April 2017 and graduated from STIE Mulia Pratama.
andrew tjungIT Service Delivery Deputy Division headUsia 35 tahun. Beliau menjabat sebagai IT Service Delivery Deputy Division Head sejak 01 November 2019 dan menamatkan pendidikan di Universitas Bina Nusantara.
35 years old. He serves as IT Service Delivery Deputy Division Head since 01 November 2019 and graduated from University of Bina Nusantara.
rina mayangsariOperation Division HeadUsia 41 tahun. Beliau menjabat sebagai Operation Division Head sejak 01 November 2017 dan menamatkan pendidikan di Universitas Katolik Atmajaya Yogyakarta.
41 years old. She serves as Operations Division Head since 01 November 2017 and graduated from Chatolic University of Atmajaya Yogyakarta.
Charles sugiartaOrganization Policies Procedures & Service Quality Sub Division HeadUsia 34 tahun. Beliau menjabat sebagai Organization Policies Procedure & Service Quality Sub Division Head sejak 01 Oktober 2018 dan menamatkan pendidikannya di Universitas Katolik Atmajaya.
34 years old. He serves as Organization Policies Procedure & Service Quality Sub Division Head since 01 October 2018 and graduated from Atmajaya Chatolic University.
rajalumayungIT Security & Compliance Sub Division headUsia 42 tahun. Beliau menjabat sebagai IT Security & Compliance Sub Division Head sejak 01 Januari 2017 dan menamatkan pendidikannya di STTT Bandung.
42 years old. He serves as IT Security & Compliance Sub Division Head since 01 January 2017 and graduated from STTT Bandung.
muhamad akmalQuality Assurance & Litigation Division Head
Usia 44 tahun. Beliau menjabat sebagai Quality Assurance & Litigation Division Head sejak 01 Februari 2017 dan menamatkan pendidikannya di Universitas Sahid.
44 years old. He serves as Quality Assurance & Litigation Division Head since 01 February 2017 and graduated from University of Sahid.
Horizon of GrowtH 83PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Pejabat SeniorSenior Management
rudy wardhanyIT Solution Deputy Division HeadUsia 36 tahun. Beliau menjabat sebagai IT Solution Deputy Division Head sejak 01 Januari 2017 dan menamatkan pendidikannya di Universitas Bina Nusantara.
36 years old. He serves as IT Solution Deputy Division Head since 01 January 2017 and graduated from University of Bina Nusantara.
suharsonoCollection Deputy Division HeadUsia 50 tahun. Beliau menjabat sebagai Collection Deputy Division Head sejak 01 Januari 2018 dan menamatkan pendidikannya di Universitas Tama Jagakarsa.
50 years old. He serves as Collection Deputy Division Head since 01 January 2018 and graduated from University of Tama Jagakarsa.
Borry lumbo malauRemedial Deputy Division HeadUsia 45 tahun. Beliau menjabat sebagai Remedial Deputy Division Head sejak 01 Januari 2018 dan menamatkan pendidikannya di Universitas Katolik Atmajaya.
45 years old. He serves as Remedial Deputy Division Head since 01 January 2018 and graduated from Atmajaya Chatolic University.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH84
Pada tahun 2019, Perseroan mencatat total 3.228 karyawan, menurun dibandingkan total 3.568 karyawan pada tahun 2018. Berikut demografi karyawan Perseroan secara rinci.
Komposisi Karyawan Berdasarkan Status Kepegawaian | Employee Profile by Employment Status
status 2019 2018 statusKontrak 561 766 Contract
Tetap 2,665 2,800 Permanent
Percobaan 2 2 Probation
Jumlah 3,228 3,568 total
Komposisi Karyawan Berdasarkan Usia | Employee Profile by Age
rentang usia 2019 2018 age<25 332 343 <25
25-34 1,293 1,484 25-34
35-49 1,502 1,658 35-49
>=50 101 83 >=50
Jumlah 3,228 3,568 total
Komposisi Karyawan Berdasarkan Jenjang Pendidikan | Employee Profile by Education Level
tingkat pendidikan 2019 2018 educationSLTP 4 4 Junior School
SLTA 621 723 High School
Akademi 461 559 Academy
Sarjana (S1) 2,109 2,250 Bachelor (S1)
Pasca Sarjana (S2 & S3) 33 32 Magister (S2 & S3)
Jumlah 3,228 3,568 total
DEMOGRAfI KARYAWANEmployees Demography
In 2019, the Company managed a total of 3.228 employees, decreased from 3,568 employees in 2018. The following are details of the Company’s employee demographic.
Horizon of GrowtH 85PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Komposisi Karyawan Berdasarkan Golongan Jabatan | Employee Profile by Position Grade
golongan Jabatan 2019 2018 position gradeStaf & Non-staf 976 1,244 Clerical & Non Clerical
Eksekutif 1,932 2,034 Executive
Manajemen 290 253 Management
Senior Manajemen 40 37 Senior Management
Jumlah 3,228 3,568 total
No KlasifikasiClassification
total 2019∑ Realisasi Batch total peserta
grand total 179 76571 Behavioral Competency 99 2273
Etos Kerja 1 28
Ethos Kerja All Regional 75 1750
Effective Habits of Highly Effective People 2 23
WOM Supervisory Program 3 59
WOM Leadership for Manager 5 93
WOM Leadership for Senior Manager 1 27
Train for Trainer (Sertifikasi) 6 96
Agent Of Change 6 197
2 marketing academy 27 777Basic MAO MobilKu 6 116
Basic CMO MobilKu 1 125
Basic Marketing Academy MobilKu 3 92
Basic SPM 7 108
Basic MAO MotorKu 1 156
Basic DMO MotorKu 6 130
Demografi KaryawanEmployees Demography
Pelatihan Tahun 2019 | Training 2019
The Company organized a total of 179 trainings during 2019, with a total of 7,657 participants. The below table detailed the trainings, as follows:
Pada tahun 2019, Perseroan menyelenggarakan total 179 pelatihan yang menjangkau total 7.657 peserta. Tabel berikut menyajikan data pelatihan secara terperinci:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH86
Demografi KaryawanEmployees Demography
hr Competency development CostThe Company has realized a total of Rp23,7 billion for employees workshops and trainings programs during 2019.
Biaya pengembangan Kompetensi sdmSelama tahun 2019, realisasi biaya pendidikan dan pelatihan karyawan yang telah dikeluarkan oleh Perseroan mencapai sebesar Rp23,7 miliar.
No KlasifikasiClassification
total 2019∑ Realisasi Batch total peserta
Supervisory Course MotorKu 3 50
3 risk academy 15 522 CR Elite 5 100
Basic Pre Credit 1 134
Basic Credit Academy 3 84
Intermediate Credit Academy 3 137
Grading AMU 1 29
Asset Management Strategic 2 38
4 development program 10 228WMP 4 68
WOM Leadership for First Line Manager 2 48
In Class MT-Eksternal 4 112
5 Other 28 3857Wise 8 2956
Orange 7 118
MCP & CRCP 1 16
Abaka MotorKu 1 11
PDCA for Contact Center 1 20
Metodologi Investigasi 1 34
Sustainability Report 1 15
Collection Remedial System 1 11
Mobile Survey 6 651
COSO Framework 1 25
Horizon of GrowtH 87PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
20 Pemegang Saham Terbesar Per 31 Desember 2019Top 20 Shareholders as of December 31, 2019
No pemegang sahamShareholders
Jumlah lembar saham
Total Shares
Nilai Nominal(dalam jutaan)Nominal Value
(in million)
KepemilikanOwnership (%)
1 PT. BANK MAYBANK INDONESIA TBK 2.386.646.729 238.664.672.900 68,55
2 PT. WAHANA MAKMUR SEJATI 833.316.600 83.331.660.000 23,94
3 UBS AG HONGKONG NON-TREATY OMNIBUS ACCOUNT - 2052034005
55.000.000 5.500.000.000 1,58
4 UOB KAY HIAN PTE LTD A/C REFERRAL CLIENT - 075H
37.283.400 3.728.340.000 1,07
5 HERMANTO 17.348.100 1.734.810.000 0,5
6 RONY ATTAN 13.659.000 1.365.900.000 0,39
7 LOKMAN JAMIL 8.584.400 858.440.000 0,25
8 HERMANTO 8.551.300 855.130.000 0,25
9 PT PACIFIC LELANG INTERNASIONAL 8.060.000 806.000.000 0,23
10 RUDI 4.827.000 482.700.000 0,14
11 SCB SG S/A BANK J.SAFRA SARASIN LTD,SINGAPORE BRANCH FOR CLIENTS A/C
4.112.500 411.250.000 0,12
12 BANA GCAS US CUSTODY CLIENT ASSETS 3.948.500 394.850.000 0,11
13 PHILLIP SECURITIES PTE LTD 3.123.000 312.300.000 0,09
14 ARIEF HARRIS TANDJUNG 2.072.800 207.280.000 0,06
15 HENDRAWAN DANUSAPUTRA 2.000.000 200.000.000 0,06
Komposisi Pemegang Saham yang Memiliki >5% Saham Shareholder Owning >5% of Shares Composition
pemegang saham Shareholders
Jumlah lembar saham
Total Share
Nilai Nominal (dalam jutaan) Nominal Value (in million)
Kepemilikan (%)Ownership (%)
PT Bank Maybank Indonesia Tbk 2.386.646.729 238.664.672.900 68,55
PT Wahana Makmur Sejati 833.316.600 83.331.660.000 23,94
Masyarakat / Public 261.518.151 26.151.815.100 7,51
total 3.481.481.480 348.148.148.000 100
KOMPOSISI PEMEGANG SAHAMShareholders Composition
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH88
Komposisi Pemegang SahamShareholders Composition
Kepemilikan Saham Direksi dan Dewan Komisaris
• Direksi atas nama Wibowo memiliki saham langsung.• Direksi yang lainnya tidak memiliki saham langsung
dan tidak langsung.• Dewan Komisaris atas nama Garibaldi Thohir
(Komisaris) memiliki saham tidak langsung melalui PT Wahana Makmur Sejati.
• Dewan Komisaris atas nama Robbyanto Budiman (Wakil Presiden Komisaris) memiliki saham tidak langsung melalui PT Wahana Makmur Sejati.
• Dewan Komisaris yang lainnya tidak memiliki saham langsung dan tidak langsung.
Shareholding of the Board of Directors and Board of Commissioners• Wibowo, member of the Board of Directors, holds
direct ownership.• Other members of the Board of Directors did not hold
any direct or indirect ownership.• Garibaldi Thohir (Commissioner), Board of
Commissioner’s member, holds indirect ownership through PT Wahana Makmur Sejati.
• Robbyanto Budiman (Vice President Commissioner), Board of Commissioner’s member, holds indirect ownership through PT Wahana Makmur Sejati.
• Other members of the Board of Commissioners did not hold any direct or indirect ownership.
Horizon of GrowtH 89PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Komposisi Pemegang SahamShareholders Composition
Pemegang Saham Berdasarkan KlasifikasiShareholders Based on Classification
status KepemilikanJumlah pemegang
sahamTotal Shareholders
Jumlah sahamTotal Shares % Ownership status
PeMoDAL nASIonAL nATIonAL InveSTorSPerorangan Indonesia 1.490 143.514.335 4,12 Indonesian Individual
Institusi Indonesia 8 3.229.896.498 92,77 Indonesian Institution
PeMoDAL ASIng ForeIgn InveSTorSPerorangan Asing 8 244.800 0,01 Foreign Individual
Institusi Asing 15 107.825.847 3,10 Foreign Entity
Jumlah 1.166 3.481.481.480 100.00 total
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH90
PROfIL PEMEGANG SAHAMShareholders Profile
Profil PT Bank Maybank Indonesia TbkPT Bank Maybank Indonesia Tbk (“Maybank Indonesia” atau “Bank”) adalah salah satu bank swasta terkemuka di Indonesia yang merupakan bagian dari grup Malayan Banking Berhad (Maybank), salah satu grup penyedia layanan keuangan terbesar di ASEAN. Sebelumnya, Maybank Indonesia bernama PT Bank Internasional Indonesia Tbk (BII) yang didirikan pada 15 Mei 1959, mendapatkan ijin sebagai bank devisa pada 1988 dan mencatatkan sahamnya sebagai perusahaan terbuka di Bursa Efek Jakarta dan Surabaya (sekarang telah merger menjadi Bursa Efek Indonesia) pada 1989.
Maybank Indonesia menyediakan serangkaian produk dan jasa komprehensif bagi nasabah individu maupun korporasi melalui layanan Community Financial Services (Perbankan Ritel dan Perbankan Non-Ritel) dan Perbankan Global, serta pembiayaan otomotif melalui entitas anak yaitu WOM Finance untuk kendaraan roda dua dan Maybank Finance untuk kendaraan roda empat. Maybank Indonesia juga terus mengembangkan layanan dan kapasitas digital banking melalui Mobile Banking, Internet Banking, Maybank2U (mobile banking berbasis internet banking) dan berbagai saluran lainnya.
Per 31 Desember 2019, Maybank Indonesia memiliki 374 cabang termasuk 16 cabang Syariah yang tersebar di Indonesia serta satu cabang luar negeri (Mumbai, India), 21 Mobil Kas Keliling dan 1.571 ATM termasuk 87 CDM (Cash Deposit Machine) yang terkoneksi dengan lebih dari 20.000 ATM tergabung dalam jaringan ATM PRIMA, ATM BERSAMA, ALTO, CIRRUS dan terhubung dengan 3.500 ATM Maybank di Singapura, Malaysia dan Brunei. Hingga akhir tahun 2019, Maybank Indonesia mengelola simpanan nasabah sebesar Rp110,6 triliun dan memiliki total aset senilai Rp169,1 triliun.
PT Bank Maybank Indonesia Tbk ProfilePT Bank Maybank Indonesia Tbk (“Maybank Indonesia” or “the Bank”) is one of the leading private banks in Indonesia that is also part of Malayan Banking Berhad (Maybank) Group, one of the largest financial services group in ASEAN. Previously, Maybank Indonesia was known as PT Bank Internasional Indonesia Tbk (BII) which was founded on May 15, 1959, obtained its license as foreign exchange bank in 1988, and had its share listed as publicly listed company in Jakarta Stock Exchange and Surabaya Stock Exchange (now merged as Indonesia Stock Exchange) in 1989.
Maybank Indonesia provides a comprehensive range of products and services for individual and corporate customers through Community Financial Services (Retail Banking and Non-Retail Banking) and Global Banking, as well as automotive financing through its subsidiaries, WOM Finance for two wheelers and Maybank Finance for four wheelers. Maybank Indonesia also continues to develop digital banking services and capacity through Mobile Banking, Internet Banking, Maybank2U (internet-based mobile banking) and various other channels.
As of December 31, 2019, Maybank Indonesia maintains 374 branches including 16 Sharia branches spread across Indonesia and one overseas branch (Mumbai, India), 21 Mobile Cash Vehicles and 1,571 ATMs including 87 CDM (Cash Deposit Machines) connected with over 20,000 ATMs in ATM PRIMA, ATM BERSAMA, ALTO, CIRRUS and connected to 3,500 Maybank ATMs in Singapore, Malaysia and Brunei. By the end of 2019, Maybank Indonesia managed Rp110.6 trillion of customer deposits and Rp169.1 trillion of assets.
pt BaNK maYBaNK iNdONesia tBK
Alamat Perseroan | Company Addres:PT Bank Maybank Indonesia TbkSentral Senayan IIIJl. Asia Afrika No. 8, Gelora Bung KarnoJakarta Pusat 10270 IndonesiaT: +62 21 2922 8888F: +62 21 2922 8914
PT Bank Maybank Indonesia Tbk
Horizon of GrowtH 91PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Profil Pemegang SahamShareholders Profile
VisiMenjadi penyedia layanan keuangan terkemuka di Indonesia, yang didukung oleh sumber daya manusia yang berkomitmen penuh dan inovatif untuk menciptakan nilai dan melayani komunitas.
misiHumanising Financial Services
Susunan Anggota Manajemen Per 31 Desember 2019Management Structure As of December 31, 2019
Jabatan dewan KomisarisBoard of Commissioners
NamaName
Presiden Komisaris | President Commissioner Datuk Abdul Farid Bin Alias
Komisaris | Commissioner Edwin Gerungan
Komisaris | Commissioner Datuk Lim Hong Tat
Komisaris Independen | Independent Commissioner Budhi Dyah Sitawati
Komisaris Independen | Independent Commissioner Achjar Iljas
Komisaris Independen | Independent Commissioner Hendar
Jabatan direksiBoard of Directors
NamaName
Presiden Direktur | President Director Taswin Zakaria
Direktur Keuangan | Finance Director Thilagavathy Nadason
Direktur Community Financial Services | Community Financial Services Director
Jenny Wiriyanto*
Direktur Perbankan Global | Global Banking Director Eri Budiono*
Direktur Human Capital | Human Capital Director Irvandi Ferizal
Direktur Manajemen Risiko | Risk Management Director Effendi
Direktur Operations | Operations Director Widya Permana
Direktur yang membawahkan fungsi Kepatuhan | Director in charge of Compliance
Muhamadian
VisionTo be the leading financial services provider in Indonesia, driven by passionately committed and innovative people, creating value and serving communities.
missionHumanising Financial Services
* Maybank Indonesia telah menerima surat pengunduran diri Bapak Eri Budiono dan Ibu Jenny Wiriyanto selaku Direktur, paling lambat 90 hari setelah tanggal 8 Januari 2020, Maybank Indonesia akan menyelenggarakan RUPS untuk memutuskan permohonan pengunduran diri tersebut | Maybank Indonesia has received resignation letters from Mr. Eri Budiono and Ms. Jenny Wiriyanto as Director, at the latest of 90 days following January 8, 2020, Maybank Indonesia shall convene the GMS to take resolution on the resignation request.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH92
Profil PT Wahana Makmur SejatiPT Wahana Makmur Sejati (WMS) berawal dari 4 (empat) dealer sepeda motor Honda yang bergabung menjadi PD Union Motor di tahun 1972. PD Union Motor dipercaya oleh PT Astra Honda Motor untuk menjalankan rantai distribusi sepeda motor Honda untuk wilayah Jakarta dan Tangerang. Pada tahun 1983 PD Union Motor melakukan restrukturisasi dengan memisahkan unit usaha menjadi dua perusahaan yang berbeda yaitu, PT Pro Union Indo Jaya sebagai dealer sepeda motor dan mobil Honda dan WMS sebagai main dealer sepeda motor Honda untuk wilayah Jakarta dan Tangerang.
Kini WMS memiliki 3 (tiga) unit gudang yaitu di Cimanggis Jawa Barat berkapasitas 7.500 unit motor, di Jatake Tangerang berkapasitas 2.500 unit motor serta gudang ke-3 di Jatiasih Bekasi dengan kapasitas 7.000 unit motor di tahun 2018. Saat ini WMS memiliki jaringan 119 dealer dan 334 bengkel resmi motor Honda di wilayah Jakarta dan Tangerang.
VisiMenjadi grup perusahaan retail yang menyediakan produk dan jasa yang bertumpu kepada kemampuan masyarakat luas Indonesia.
misi :• Menjadikan kepuasan pelanggan sebagai komitmen
utama dengan menyediakan produk dan layanan kelas dunia.
• Mengimplementasikan tata kelola perusahaan yang baik dengan menggunakan teknologi informasi terkini.
• Menyediakan infrastruktur dan lingkungan kerja terbaik bagi para karyawan melalui pengembangan sikap, peningkatan keterampilan dan pengetahuan yang berkesinambungan.
• Memenuhi kebutuhan para pemangku kepentingan para pemegang saham, manajemen, karyawan, pemerintah, masyarakat dan lingkungan.
PT Wahana Makmur Sejati ProfileInitially PT Wahana Makmur Sejati (WMS) was established from 4 (four) Honda motorcycle dealers joined to become PD Union Motor in 1972. PD Union Motor is trusted by PT Astra Honda Motor to manage Honda motorcyle distribution chain for Jakarta and Tangerang areas. In 1983, PD Union Motor undertook restructuring by dividing its business units into two different companies, namely PT Pro Union Indo Jaya as Honda motorcyle and automotive dealer, and WMS as a main dealer of Honda motorcycle for Jakarta and Tangerang areas.
Today, WMS has 3 (three) warehouses in Cimanggis, West Java with capacity of 7,500 motorcyle units, in Jatake Tangerang with 2,500 units capacity, and the third in Jatiasih Bekasi with capacity of 7,000 units as of 2018. WMS currently operates the network of 119 dealers and 334 official service outlets for Honda motorcycle in Jakarta and Tangerang areas.
VisionTo be a retail group of companies which offer products and services optimizing the strength of Indonesian mass market potential.
mission :• Making service excellence as our commitment by
providing only world class quality products and services.
• To implement Good Corporate Governance supported by latest Information Technology.
• To provide the best infrastructure and environment to our employees through the continuous development of attitudes, skills and knowledge.
• To fulfill the needs of stakeholders: shareholders, management, employees, government and community.
pt wahaNa maKmur seJati
Alamat Perseroan | Company AddressPT Wahana Makmur SejatiGunung Sahari Utara, Sawah Besar, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10720T : +62 21 6012070Website : www.wahanaartha.com
PT Wahana Makmur Sejati
Profil Pemegang SahamShareholders Profile
Horizon of GrowtH 93PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
DAfTAR ENTITAS ANAK & ENTITAS ASOSIASISubsidiaries & Associates
Hingga pelaporan Laporan Tahunan per 31 Desember 2019, Perseroan tidak memiliki anak perusahaan.
As of the publication of the Annual Report as at 31 December 2019, the Company does not established any subsidiaries.
Profil Pemegang SahamShareholders Profile
Susunan Anggota Manajemen Per 31 Desember 2019Management Structure As of December 31, 2019
Jabatan dewan KomisarisBoard of Commissioners
NamaName
Komisaris Utama | President Commissioner Garibaldi Thohir
Wakil Komisaris Utama | Vice President Commissioner Yanto Kasiman
Komisaris | Commissioner Susianty Pranata
Jabatan direksiBoard of Directors
NamaName
Direktur Utama | Group CEO Robbyanto Budiman
Direktur | Group CEO Taufik Aulia
Direktur | Chief Marketing Officer Edi Setiawan Surja
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH94
STRUKTUR GRUP PERUSAHAANGroup Structure
Pemegang Saham Pengendalicontrolling Shareholders
2,71%
34,42%
45,02% 33,96% 21,02%
11,17% 7,80% 46,61%
18,31%
Malayan Banking Berhad
PT Bank Maybank Indonesia Tbk
PT Bank Maybank Indonesia Finance
99,99%
Amanah Raya Trustees Berhad (B/O: Amanah
Saham Bumiputera)
Citigroup Nominees (Tempatan) Sdn Bhd (B/O: Employees Provident Fund
Board)
Permodalan Nasional Berhad
Investor Institusi & Ritel Lainnya
Other Institution & Retail Investors
Sorak Financial Holdings Pte. Ltd.
Maybank Offshore Corporate Services (Labuan) Sdn Bhd
Masyarakat | Public
Masyarakat | Public>5%
Masyarakat | Public<5%
Horizon of GrowtH 95PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
1.19%
32.30%
52.60 %
32.30% 30.00%
4.25%
40.00%
61.41%
10.00%
14.92%
10.00%
2.45 %
23.55%
0.01%
15.70%
11.85%
1.19%
99.99%
PT Wahana Makmur Sejati7.51%
23.94%68.55%
10.00%
25.34%1.49%
Struktur Grup PerusahaanGroup Structure
15.18% 4.25%
PT Bank Maybank Indonesia Tbk
Robbyanto Budiman
Sonny Kasiman
Susianty Pranata
Garibaldi Thohir
PT Wahana Artha Mandiri
Erick ThohirEdna Thohir
M. Thohir Garibaldi Thohir
Hireka Vitaya
Sonny Kasiman
PT Trinugraha
Thohir
Michael Christian
Soekamto
Yanto Kasiman
Robbyanto Budiman
Luciana Budiman
Yanto Kasiman
Sherli Janawati
BellynawatyPT Sahari
Sukses Investama
Susianty Pranata
Sonny Kasiman
PT Wahanaartha Harsaka
Masyarakat
Pemegang Saham UtamaMajoring Shareholders
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH96
KRONOLOGI PENERbITAN SAHAMShares Chronology
2004Berdasarkan Akta Risalah Rapat No. 2 tanggal 4 Mei 2004 yang dibuat oleh Mellyani Noor Shandra, S.H., Notaris di Jakarta, akta mana telah mendapatkan persetujuan Menteri Kehakiman dan Hak Asasi Manusia Republik Indonesia melalui Surat Keputusan No. C-12320 HT.01.04.TH.2004 tanggal 17 Mei 2004, para pemegang saham menyetujui perubahan nilai nominal saham menjadi Rp100 dan peningkatan modal dasar menjadi sebesar Rp500.000.000.000 serta peningkatan modal ditempatkan dan modal disetor menjadi sebesar Rp180.000.000.000. Dengan demikian struktur permodalan dan susunan pemegang saham Perseroan menjadi sebagai berikut:
pemegang saham
Shareholders
Nilai Nominal rp100 per saham
Par Value of Rp100 per share(%)
Jumlah saham
Total Shares
Nilai Nominal (rp)
Nominal Value
PT Millenia Prosperindo Optima 630.000.000 63.000.000.000 35,00
PT Wahanaartha Harsaka 990.000.000 99.000.000.000 55,00
PT Wahanaartha Mekarselaras 180.000.000 18.000.000.000 10,00
Jumlah | total 1.800.000.000 180.000.000.000 100
2004Based on the Deed of Meeting Minutes No. 2 dated May 4, 2004 made by Mellyani Noor Shandra, S. H., the Notary in Jakarta, which has been approved by the Ministry of Justice and Human Rights of the Republic of Indonesia through Decree No. C-12320 HT.01.04.TH.2004 dated May 17, 2004, the shareholders approved the changes of shares par value to Rp100 and increase of authorized capital to Rp500,000,000,000 as well as increase of issued and paid-up capital to Rp180,000,000,000. As such the Company’s capital structure and shareholding composition are as follows:
Selanjutnya, berdasarkan Akta Risalah Rapat No. 25 tanggal 24 Mei 2004 yang dibuat oleh Endrawila Permata, SH., Notaris di Jakarta, akta mana telah diterima pemberitahuannya oleh Menteri Kehakiman dan Hak Asasi Manusia Republik Indonesia melalui Penerimaan Laporan Akta Perubahan Anggaran Dasar PT Wahana Ottomitra Multiartha No. C-13115 HT.01.04.TH.2004 tanggal 25 Mei 2004, para pemegang saham menyetujui penjualan saham sebagai berikut:
• Dari PT Wahanaartha Harsaka kepada Begawan Investment (L) BHD sebanyak 396.000.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 26 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
Furthermore, based on the Deed of Meeting Minutes No. 25 dated May 24, 2004 made by Endrawila Permata, SH., the Notary in Jakarta, which has been accepted its notification by the Ministry of Justice and Human Rights of the Republic of Indonesia through the Acceptance of Deed Report of the Amendment of Articles of Association of PT Wahana Ottomitra Multiartha No. C-13115 HT.01.04.TH.2004 dated May 25, 2004, the shareholders approved the sale of shares, as follows:
• From PT Wahanaartha Harsaka to Begawan Investment (L) BHD of 396,000,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 26 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
Horizon of GrowtH 97PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Kronologi Penerbitan SahamShares Chronology
• Dari PT Wahanaartha Harsaka kepada Mochamad Thohir sebanyak 191.862.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 27 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Wahanaartha Harsaka kepada Susianty Pranata sebanyak 139.887.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 28 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Wahanaartha Harsaka kepada Yanto Kasiman sebanyak 191.862.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 29 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Wahanaartha Harsaka kepada Widjaya Budiman sebanyak 70.389.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 30 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Wahanaartha Mekarselaras kepada Begawan Investment (L) BHD sebanyak 72.000.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 31 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Wahanaartha Mekarselaras kepada Mochamad Thohir sebanyak 34.884.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 32 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• From PT Wahanaartha Harsaka to Mochamad Tohir of 191,862,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 27 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From PT Wahanaartha Harsaka to Susianty Pranata of 139,887,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 28 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From PT Wahanaartha Harsaka to Yanto Kasiman of 191,862,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 29 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From PT Wahanaartha Harsaka to Widjaya Budiman of 70,389,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 30 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From Wahanaartha Mekarselaras to Begawan Investment (L) BHD of 72,000,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 31 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From Wahanaartha Mekarselaras to Mochamad Thohir of 34,884,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 32 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH98
• Dari PT Wahanaartha Mekarselaras kepada Susianty Pranata sebanyak 25.434.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 33 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Wahanaartha Mekarselaras kepada Yanto Kasiman sebanyak 34.884.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 34 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Wahanaartha Mekarselaras kepada Widjaya Budiman sebanyak 12.798.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 35 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Millenia Prosperindo Optima kepada Begawan Investment (L) BHD sebanyak 252.000.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 36 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Millenia Prosperindo Optima kepada Dewi Ratnasari Gozali sebanyak 321.300.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 37 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta;
• Dari PT Millenia Prosperindo Optima kepada Benny Wennas sebanyak 56.700.000 saham sebagaimana jual belinya dilakukan melalui Akta Jual Beli dan Pemindahan Hak Atas Saham No. 38 tanggal 24 Mei 2004 yang dibuat di hadapan Endrawila Parmata, S.H., sebagai pengganti dari Benny Kristianto, S.H., Notaris di Jakarta.
• From Wahanaartha Mekarselaras to Susianty Pranata of 25,434,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 33 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From Wahanaartha Mekarselaras to Yanto Kasiman of 34,884,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 34 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From Wahanaartha Mekarselaras to Widjaya Budiman of 12,798,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 35 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From PT Millenia Prosperindo Optima to Begawan Investment (L) BHD of 252,000,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 36 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From PT Millenia Prosperindo Optima to Dewi Ratnasari Gozali of 321,300,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 37 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta;
• From PT Millenia Prosperindo Optima to Benny Wennas of 56,700,000 shares in which buying-selling was conducted through the Deed of Sale and Transfer of Rights to Shares No. 38 dated May 24, 2004 made before Endrawila Parmata, S.H., replacing Benny Kristianto, S.H., Notary in Jakarta.
Kronologi Penerbitan SahamShares Chronology
Horizon of GrowtH 99PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Dengan demikian struktur permodalan dan susunan pemegang saham Perseroan setelah terjadinya pengalihan saham tersebut di atas, menjadi sebagai berikut:
pemegang sahamShareholders
Nilai Nominal rp100 per sahamPar Value of Rp100 per share
(%)Jumlah saham
Total SharesNilai Nominal (rp)
Nominal Value
Begawan Investment (L) Bhd. 720.000.000 72.000.000.000 40,00
Mochamad Thohir 226.746.000 22.674.600.000 12,60
Susianty Pranata 165.321.000 16.532.100.000 9,18
Yanto Kasiman 226.746.000 22.674.600.000 12,60
Widjaya Budiman 83.187.000 8.318.700.000 4,62
Dewi Ratnasari Gozali 321.300.000 32.130.000.000 17,85
Benny Wennas 56.700.000 5.670.000.000 3,15
Jumlah | Total 1.800.000.000 180.000.000.000 100
As such the Company’s capital structure and shareholding composition following the above shares transfer are as follows:
Kronologi Penerbitan SahamShares Chronology
Lebih lanjut, berdasarkan Akta Pernyataan Keputusan Rapat No. 35 tanggal 29 September 2004 yang dibuat di hadapan Poerbaningsih Adi Warsito, SH., Notaris di Jakarta, akta mana telah mendapatkan persetujuan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. C-24422 HT.01.04.TH.2004 tanggal 1 Oktober 2004, para pemegang saham memberikan persetujuan untuk melakukan Penawaran Umum Saham Perdana kepada masyarakat sebanyak-banyaknya sejumlah 300.000.000 saham melalui pasar modal, Penawaran Umum mana pernyataan pendaftarannya telah memperoleh pernyataan efektif dari BAPEPAM dan serta saham Perseroan telah tercatat pada Bursa Efek Jakarta dan Bursa Efek Surabaya. Kepastian jumlah saham yang dikeluarkan dalam Penawaran Umum tersebut ditegaskan dalam Akta Pernyataan Keputusan Rapat PT Wahana Ottomitra Multiartha Tbk No. 41 tanggal 16 Desember 2004, dibuat di hadapan Poerbaningsih Adi Warsito, S.H., Notaris di Jakarta, akta
Furthermore, based on the Deed of Decree of Meeting Minutes No. 35 dated September 29, 2004 made before Poerbaningsih Adi Warsito, SH., Notary in Jakarta, which has been approved by the Ministry of Justice and Human Rights of the Republic of Indonesia No. C-24422 HT.01.04.TH.2004 dated October 1, 2004, the shareholders approved the execution of Initial Public Offering to public as many as 300,000,000 shares through the capital market, in which offering listing statement has obtained effective decree from BAPEPAM and the Company’s shares have been listed with Jakarta Stock Exchange and Surabaya Stock Exchange. The total shares issued in Public Offering was affirmed by the Deed of Decree of Meeting Minutes of PT Wahana Ottomitra Multiartha Tbk No. 41 dated December 16, 2004, made before Poerbaningsih Adi Warsito, S.H., Notary in Jakarta, which the deed’s notification has been accepted by the Ministry of Justice and Human Rights of the Republic of Indonesia through
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH100
Kronologi Penerbitan SahamShares Chronology
mana telah diterima pemberitahuannya oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Penerimaan Laporan Akta Perubahan Anggaran Dasar PT Wahana Ottomitra Multiartha Tbk No. C-30738 HT.01.04. TH.2004 tanggal 21 Desember 2004 dan telah didaftarkan di Kantor Pendaftaran Perusahaan Kodya Jakarta Pusat di bawah No. 049/RUB.09.05/I/2005 tanggal 12 Januari 2005, serta diumumkan dalam Berita Negara Republik Indonesia No. 8 tanggal 28 Januari 2005. Tambahan No. 75/2005, dimana para pemegang saham Perseroan telah setuju untuk meningkatkan modal ditempatkan dan disetor penuh yang semula sebesar Rp180.000.000.000 menjadi sebesar Rp200.000.000.000. Dengan demikian struktur permodalan dan susunan pemegang saham Perseroan menjadi sebagai berikut:
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
Begawan Investment (L) Bhd. 720.000.000 72.000.000.000 40,00
Mochamad Thohir 226.746.000 22.674.600.000 12,60
Susianty Pranata 165.321.000 16.532.100.000 9,18
Yanto Kasiman 226.746.000 22.674.600.000 12,60
Widjaya Budiman 83.187.000 8.318.700.000 4,62
Dewi Ratnasari Gozali 321.300.000 32.130.000.000 17,85
Benny Wennas 56.700.000 5.670.000.000 3,15
Masyarakat 200.000.000 200.000.000.000 10,00
Jumlah | total 2.000.000.000 180.000.000.000 100
the Acceptance of Deed Report of the Amendment of Articles of Association of PT Wahana Ottomitra Multiartha Tbk No. C-30738 HT.01.04. TH.2004 dated December 21, 2004 and has been registered in the Company Registration Office Kodya Central Jakarta under No. 049/RUB.09.05/I/2005 dated January 12, 2005, and has been announced in the State Gazette No. 8 dated January 28, 2005. In lieu of No. 75/2005, where the Company’s shareholders approved to increase issued and fully paid-up capital from Rp180,000,000,000 to Rp200,000,000,000. As such the Company’s capital structure and shareholding composition are as follows:
Horizon of GrowtH 101PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Kronologi Penerbitan SahamShares Chronology
Penawaran umum perdana atas saham Perseroan dibantu oleh lembaga dan profesi penunjang pasar modal, antara lain:• Biro Administrasi Efek
PT Sinartama Gunita Jl. Lombok No. 71 Menteng, Jakarta 10350
• Akuntan PublikPrasetio, Sarwoko dan Sandjaja Wisma 46, Kota BNI, lantai 25-28 dan 30-31 Jl. Jend Sudirman Kav. 1, Jakarta 10220
• Konsultan HukumWilliam, Effendi & Co. Law Office, Jl. Blora No. 31 Menteng, Jakarta 10310
The following capital market institutions and professions has assisted the Company’s initial public offering implementation:• Share Registrar
PT Sinartama Gunita Jl. Lombok No. 71 Menteng, Jakarta 10350
• Public AccountantPrasetio, Sarwoko dan Sandjaja Wisma 46, Kota BNI, lantai 25-28 dan 30-31 Jl. Jend Sudirman Kav. 1, Jakarta 10220
• Legal FirmWilliam, Effendi & Co. Law Office, Jl. Blora No. 31 Menteng, Jakarta 10310
2005Based on the Deed of Decree of Meeting Minutes No. 18 dated July 22, 2005 made before Fatmawati, SH., replacing Poerbaningsih Adi Warsito, SH., Notary in Jakarta, which has been reported to the Ministry of Justice and Human Rights of the Republic of Indonesia with letter No. C-20953 HT.01.04. TH.2005 dated July 28, 2005, as stated in the General Meeting of Shareholders dated July 18, 2005 in which the meeting minutes stated in the Deed of Meeting Minutes No. 12 dated July 18, 2005 made before the same Notary, which has been notified to the Ministry of Justice and Human Rights of the Republic of Indonesia as per Notification Acceptance Letter No. C-UM.02.01.13027 dated September 6, 2005 in which all Conditional Sales and Purchase Agreement (CSPA) process has been achieved on May 30, 2005 Jo. Minutes of the Extraordinary General Meeting of Shareholders (EGMS) dated September 21, 2004 made under private deed which agenda has approved sale of shares of the shareholders to PT Bank Internasional Indonesia Tbk and/or other third parties, executed with CSPA dated September 16, 2004, in lieu of First Amendment Agreement dated November 8, 2004 and amended again with Second Amendment Agreement dated May 3, 2005, whereby all Company’s shareholders has agreed to transfer all shares of Begawan Investment (L) Bhd. and part of shares owned by Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Benny Wennas and Yanto Kasiman all totalling 860.000.000 shares to PT Bank Internasional Indonesia Tbk. (”BII”) with price per share of Rp495.00.
2005Berdasarkan Akta Pernyataan Keputusan Rapat No. 18 tanggal 22 Juli 2005 dibuat di hadapan Indah Fatmawati, SH., pengganti dari Poerbaningsih Adi Warsito, SH., akta mana telah dilaporkan kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sesuai dengan surat penerimaan laporan No. C-20953 HT.01.04. TH.2005 tanggal 28 Juli 2005, sebagaimana ternyata dalam Rapat Umum Pemegang Saham tertanggal 18 Juli 2005 yang mana berita acara rapatnya termaktub dalam Akta Berita Acara Rapat No. 12 tanggal 18 Juli 2005 yang dibuat di hadapan Notaris yang sama, akta mana telah diberitahukan kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sesuai dengan Surat Penerimaan Pemberitahuan No. C-UM.02.01.13027 tanggal 6 September 2005 di mana telah tercapainya seluruh proses Conditional Sales and Purchase Agreement (CSPA) pada tanggal 30 Mei 2005 Jo. Risalah Rapat Umum Luar Biasa Pemegang Saham (RUPSLB) tertanggal 21 September 2004 yang dibuat secara di bawah tangan yang agendanya menyetujui penjualan saham-saham para pemegang saham kepada PT Bank Internasional Indonesia Tbk dan/atau pihak ketiga lainnya, dilaksanakan dengan CSPA tertanggal 16 September 2004, yang kemudian diubah dengan First Amendment Agreement tertanggal 8 November 2004 dan kemudian diubah kembali dengan Second Amendment Agreement tertanggal 3 Mei 2005, di mana para pemegang saham Perseroan telah sepakat untuk mengalihkan seluruh saham milik Begawan Investment (L) Bhd. dan sebagian besar saham-saham yang dimiliki oleh Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Benny Wennas dan Yanto Kasiman dengan jumlah seluruhnya sebanyak 860.000.000 saham kepada PT Bank Internasional Indonesia Tbk. (”BII”) dengan harga per saham sebesar Rp495,00.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH102
Bahwa penjualan saham-saham kepada pihak lainnya tersebut telah dilaksanakan dengan:• Investor Sale and Purchase Agreement tertanggal 18
Mei 2005, di mana para pemegang saham Perseroan telah sepakat untuk menjual sebagian besar saham-sahamnya di Perseroan yang masing-masing dimiliki oleh Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Yanto Kasiman dan Benny Wennas dengan jumlah seluruhnya sebanyak 380.000.000 saham kepada International Finance Corporation (”IFC”) dengan harga per saham sebesar Rp495,00.
• Investor Sale and Purchase Agreement tertanggal 27 Mei 2005, di mana para pemegang saham Perseroan telah sepakat untuk menjual sebagian besar saham-sahamnya di Perseroan yang masing-masing dimiliki oleh Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Yanto Kasiman dan Benny Wennas dengan jumlah seluruhnya sebanyak 100.000.000 saham kepada DBS Nominees Pte. Ltd. (”DBS Nominees”) dengan harga per saham sebesar Rp495,00.
Sehingga dengan adanya penjualan saham-saham sesuai dengan CSPA, struktur permodalan dan susunan pemegang saham Perseroan adalah sebagai berikut:
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
PT Bank Internasional Indonesia Tbk 860.000.000 86.000.000.000 43,00
International Finance Corporation 380.000.000 38.000.000.000 19,00
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat 660.000.000 66.000.000.000 33,00
Jumlah | total 2.000.000.000 200.000.000.000 100
The sale of shares to other parties has been carried out through:• Investor Sale and Purchase Agreement dated May 18,
2005, where the Company’s shareholders has agreed on the sale of most part of its shares in the Company in which each share is owned by Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Yanto Kasiman dan Benny Wennas totalling of 380,000,000 shares to International Finance Corporation (”IFC”) with price per share of Rp495.00.
• Investor Sale and Purchase Agreement dated May 27, 2005, where the Company’s shareholders has agreed on the sale of most part of its shares in the Company in which each share is owned by Mochamad Thohir, Susianty Pranata, Widjaya Budiman, Dewi Ratnasari Gozali, Yanto Kasiman dan Benny Wennas totalling of 100,000,000 shares to DBS Nominees Pte. Ltd. (”DBS Nominees”) with price per share of Rp495.00.
Following the sale of shares according to CSPA, the Company’s capital structure and shareholding composition are as follows:
Kronologi Penerbitan SahamShares Chronology
Horizon of GrowtH 103PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
2006Transferred of shares on June 30, 2006, amounted to 79,800,000 shares or at 3.99% from International Finance Corporation to PT Bank Internasional Indonesia Tbk, with price per share of Rp527.25. Following this transfer of shares, the Company’s capital structure and shareholding composition according to the Shareholders Registry issued by Share Registrar PT Sinartama Gunita dated July 3, 2006 are as follows:
2007Transferred of shares on June 28, 2007, amounted to 60,800,000 shares or at 3.04% from International Finance Corporation to PT Bank Internasional Indonesia Tbk, with price per share of Rp550.54. Following this transfer of shares, the Company’s capital structure and shareholding composition according to the Shareholders Registry issued by Share Registrar PT Sinartama Gunita dated December 31, 2007 are as follows:
2006Pada tanggal 30 Juni 2006 terjadi pengalihan saham sebanyak 79.800.000 saham atau sebesar 3,99% dari International Finance Corporation kepada PT Bank Internasional Indonesia Tbk, dengan harga per saham sebesar Rp527,25. Sehingga dengan adanya pengalihan saham tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita per tanggal 3 Juli 2006 adalah sebagai berikut:
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
PT Bank Internasional Indonesia Tbk 939.800.000 93.980.000.000 46,99
International Finance Corporation 300.200.000 30.020.000.000 15,01
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat 660.000.000 66.000.000.000 33,00
Jumlah | total 2.000.000.000 200.000.000.000 100
2007Pada tanggal 28 Juni 2007 terjadi pengalihan saham sebanyak 60.800.000 saham atau sebesar 3,04% dari International Finance Corporation kepada PT Bank Internasional Indonesia Tbk dengan harga per saham sebesar Rp550,54. Sehingga dengan adanya pengalihan saham tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita per tanggal 31 Desember 2007 adalah sebagai berikut:
Kronologi Penerbitan SahamShares Chronology
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH104
2008No transaction in relations to authorized capital, issued and fully paid-up capital during 2008, except normal transactions traded at the stock exchange. In accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita, the Company’s capital structure and shareholding composition dated December 31, 2008 are as follows:
2008Selama tahun 2008 tidak ada transaksi sehubungan dengan modal dasar, modal ditempatkan dan disetor penuh, kecuali transaksi yang normal diperjualbelikan di bursa efek. Sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita, struktur permodalan dan susunan pemegang saham Perseroan pada tangggal 31 Desember 2008 adalah sebagai berikut:
Kronologi Penerbitan SahamShares Chronology
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
PT Bank Internasional Indonesia Tbk 1.000.600.000 100.060.000.000 50,03
International Finance Corporation 239.400.000 23.940.000.000 11,97
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat 660.000.000 66.000.000.000 33,00
Jumlah | total 2.000.000.000 200.000.000.000 100
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
PT Bank Internasional Indonesia Tbk 1.000.600.000 100.060.000.000 50,03
International Finance Corporation 239.400.000 23.940.000.000 11,97
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat 660.000.000 66.000.000.000 33,00
Jumlah | total 2.000.000.000 200.000.000.000 100
Horizon of GrowtH 105PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
2009No transaction in relations to authorized capital, issued and fully paid-up capital during 2009, except normal transactions traded at the stock exchange. In accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita, the Company’s capital structure and shareholding composition dated December 31, 2009 are as follows:
2009Selama tahun 2009 tidak ada transaksi sehubungan dengan modal dasar, modal ditempatkan dan disetor penuh, kecuali transaksi yang normal diperjualbelikan di bursa efek. Sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita struktur permodalan dan susunan pemegang saham Perseroan pada tangggal 31 Desember 2009 adalah sebagai berikut:
2010In accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita, new shareholder was added, PT Wahana Makmur Sejati with 5% ownership as of June 30, 2010. Transferred of shares was executed on June 22, 2010 amounted to 228,587,055 shares with price per share of Rp313.43, June 23, 2020 of 4,500,000 shares with price per share of Rp300.00, July 5, 2010 at 100,080,445 shares with price per share of Rp311.40 and August 6, 2010 at 1,635,000 shares with price per share of Rp369.36. Following this transfer of shares, the Company’s capital structure and shareholding composition according to the Shareholders Registry issued by Share Registrar PT Sinartama Gunita dated December 31, 2010 are as follows:
2010Sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita terdapat penambahan pemegang saham atas nama PT Wahana Makmur Sejati dengan kepemilikan di atas 5% per tanggal 30 Juni 2010. Terjadi pengalihan saham pada tanggal 22 Juni 2010 sebanyak 228.587.055 saham dengan harga per saham sebesar Rp313,43, tanggal 23 Juni 2010 sebanyak 4.500.000 saham dengan harga per saham sebesar Rp300,00, tanggal 5 Juli 2010 sebanyak 100.080.445 saham dengan harga per saham sebesar Rp311,40 dan 6 Agustus 2010 sebanyak 1.635.000 saham dengan harga per saham sebesar Rp369,36. Sehingga dengan adanya pengalihan saham tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2010 adalah sebagai berikut:
Kronologi Penerbitan SahamShares Chronology
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
PT Bank Internasional Indonesia Tbk 1.000.600.000 100.060.000.000 50,03
International Finance Corporation 239.400.000 23.940.000.000 11,97
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat 660.000.000 66.000.000.000 33,00
Jumlah | total 2.000.000.000 200.000.000.000 100
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH106
2011Several transactions were conducted in 2011 and have been reported to Bapepam & LK as well as Indonesia Stock Exchange, which are:1. March 17, 2011, PT Wahana Makmur Sejati added
shares ownership in the Company amounted to 4,000,000 shares (0.20%) in the Company;
2. April 20, 2011, PT Wahana Makmur Sejati added shares ownership in the Company amounted to 3,030,500 shares (0.15%) in the Company;
3. July 4, 2011, PT Bank Internasional Indonesia Tbk bought the Company shares from International Finance Corporation amounted to 239,400,000 shares (11.97%) at Rp522 per share;
4. September 20, 2011, PT Wahana Makmur Sejati added shares ownership in the Company amounted to 3,058,000 shares (0.15%).
Following the transactions, the Company’s shareholding composition as of December 31, 2011 as listed by Share Registrar PT Sinartama Gunita are as follows:
2011Di tahun 2011 terjadi beberapa kali transaksi yang kesemuanya telah dilaporkan Perusahaan ke Bapepam & LK serta Bursa Efek Indonesia yaitu:1. Pada tanggal 17 Maret 2011 PT Wahana Makmur
Sejati menambah kepemilikan saham di Perseroan sejumlah 4.000.000 lembar saham (0,20%);
2. Pada tanggal 20 April 2011 PT Wahana Makmur Sejati menambah kepemilikan saham di Perseroan sejumlah 3.030.500 lembar saham (0,15%);
3. Pada tanggal 4 Juli 2011 PT Bank Internasional Indonesia Tbk membeli saham Perusahaan dari International Finance Corporation sebanyak 239.400.000 lembar saham (11,97%) pada harga sebesar Rp522 per lembar saham;
4. Pada tanggal 20 September 2011 PT Wahana Makmur Sejati menambah kepemilikan saham di Perseroan sejumlah 3.058.000 lembar saham (0,15%).
Dengan terjadinya transaksi tersebut di atas maka komposisi pemegang saham Perusahaan per tanggal 31 Desember 2011 yang tercatat oleh Biro Administrasi Efek PT Sinartama Gunita adalah sebagai berikut:
Kronologi Penerbitan SahamShares Chronology
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
PT Bank Internasional Indonesia Tbk 1.000.600.000 100.060.000.000 50,03
International Finance Corporation 239.400.000 23.940.000.000 11,97
PT Wahana Makmur Sejati 334.802.500 33.480.250.000 16,74
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat 325.197.500 32.519.750.000 16,26
Jumlah | total 2.000.000.000 200.000.000.000 100
Horizon of GrowtH 107PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
2012No shares transactions in relations with the authorized capital, issued and paid-up capital during 2012, except regular shares transactions traded in the stock exchange. The following are Shareholders composition as of December 31, 2012 listed by the Share Registrar PT Sinartama Gunita:
2012Sepanjang tahun 2012 tidak terjadi transaksi saham yang berhubungan dengan modal dasar, modal ditempatkan dan modal disetor penuh, kecuali transaksi saham biasa yang diperjualbelikan di bursa efek. Komposisi pemegang saham Perusahaan per tanggal 31 Desember 2012 yang tercatat oleh Biro Administrasi Efek PT Sinartama Gunita adalah sebagai berikut:
Kronologi Penerbitan SahamShares Chronology
2012Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2012descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT Bank Maybank Indonesia Tbk 1.240.000.000 124.000.000.000 62,00 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 344.891.000 33.489.100.000 17,24 PT Wahana Makmur Sejati
DBS Nominees Pte. Ltd. 100.000.000 10.000.000.000 5,00 DBS Nominees Pte. Ltd.
Masyarakat 315.109.000 31.510.900.000 15,76 Public
Jumlah Modal Ditempatkan dan Disetor Penuh
2.000.000.000 200.000.000.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 3.000.000.000 300.000.000.000 total shares
pemegang sahamshareholders
Nilai Nominal rp100 per sahampar Value of rp100 per share
(%)Jumlah sahamtotal shares
Nilai Nominal (rp)Nominal Value
PT Bank Internasional Indonesia Tbk 1.240.000.000 124.000.000.000 62,00
PT Wahana Makmur Sejati 344.891.000 33.489.100.000 17,24
DBS Nominess (Private) Limited 100.000.000 10.000.000.000 5,00
Masyarakat 315.109.000 31.510.900.000 15,76
Jumlah | total 2.000.000.000 200.000.000.000 100
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH108
2013Di tahun 2013 terjadi perubahan pemegang saham atas nama PT Wahana Makmur Sejati. Pada tanggal 20 Mei 2013 PT Wahana Makmur Sejati menjual kepemilikan saham di WOM Finance sejumlah 17.517.500 lembar saham (0,876%). Sehingga dengan adanya pengalihan saham tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2013 adalah sebagai berikut:
2014Di tahun 2014 terjadi perubahan pemegang saham atas nama PT Wahana Makmur Sejati. Pada tanggal 30 November 2014 PT Wahana Makmur Sejati menjual kepemilikan saham di WOM Finance sejumlah 3.967.300 lembar saham (0,2%). Sehingga dengan adanya pengalihan saham tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2014 adalah sebagai berikut:
2013Changed of shareholders in 2013 for PT Wahana Makmur Sejati. On May 23, 2013, PT Wahana Makmur Sejati sold its shareholding in WOM Finance amounted to 17,517,500 shares (0.876%). As such, the capital structure and the Company’s shareholders composition in accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita on December 31, 2013 are as follows:
2014Changed of shareholders in 2014 for PT Wahana Makmur Sejati. On November 30, 2014, PT Wahana Makmur Sejati sold its shareholding in WOM Finance amounted to 3.967.300 shares (0.2%). As such, the capital structure and the Company’s shareholders composition in accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita on December 31, 2014 are as follows:
Kronologi Penerbitan SahamShares Chronology
2013Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2013descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT Bank Maybank Indonesia Tbk 1.240.000.000 124.000.000.000 62,00 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 327.373.500 32.737.350.000 16,37 PT Wahana Makmur Sejati
DBS Nominees Pte. Ltd. 100.000.000 10.000.000.000 5,00 DBS Nominees Pte. Ltd.
Masyarakat 332.626.500 33.262.650.000 16,63 Public
Jumlah Modal Ditempatkan dan Disetor Penuh 2.000.000.000 200.000.000.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 3.000.000.000 300.000.000.000 total shares
Horizon of GrowtH 109PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
2015Pada tahun 2015 terjadi perubahan pemegang saham atas nama PT Bank Maybank Indonesia dan PT Wahana Makmur Sejati pada bulan Maret 2015. Dengan adanya perubahan saham tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2015 adalah sebagai berikut:
2015Changed of shareholders in PT Bank Maybank Indonesia and PT Wahana Makmur Sejati on March 2015. As such, the capital structure and the Company’s shareholders composition in accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita on December 31, 2015 are as follows:
Kronologi Penerbitan SahamShares Chronology
2014Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2014descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT Bank Maybank Indonesia Tbk 1.240.000.000 124.000.000.000 62,00 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 351.831.026 35.183.102.600 17,59 PT Wahana Makmur Sejati
DBS Nominees Pte. Ltd. 100.000.000 10.000.000.000 5,00 DBS Nominees Pte. Ltd.
Masyarakat 308.168.974 30.816.897.400 15,41 Public
Jumlah Modal Ditempatkan dan Disetor Penuh 2.000.000.000 200.000.000.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 3.000.000.000 300.000.000.000 total shares
2015Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2015descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT Bank Maybank Indonesia Tbk 2.386.646.729 238.664.672.900 68,55 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 615.000.000 61.500.000.000 17,67 PT Wahana Makmur Sejati
Masyarakat 479.834.751 47.983.475.100 13,78 Public
Jumlah Modal Ditempatkan dan Disetor Penuh 3.481.481.480 348.148.148.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 1.518.518.520 151.851.852.000 total shares
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH110
2016Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2016descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT Bank Maybank Indonesia Tbk 2.386.646.729 238.664.672.900 68,55 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 615.000.000 61.500.000.000 17,67 PT Wahana Makmur Sejati
Masyarakat 479.834.751 47.983.475.100 13,78 Public
Jumlah Modal Ditempatkan dan Disetor Penuh 3.481.481.480 348.148.148.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 1.518.518.520 151.851.852.000 total shares
2016Pada tahun 2016 terjadi perubahan pemegang saham atas nama PT Bank Maybank Indonesia dan PT Wahana Makmur Sejati. Dengan kondisi tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2016 adalah sebagai berikut:
2017Pada tahun 2016 terjadi perubahan pemegang saham atas nama PT Bank Maybank Indonesia dan PT Wahana Makmur Sejati. Dengan kondisi tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2016 adalah sebagai berikut:
2016Changed of shareholders in PT Bank Maybank Indonesia and PT Wahana Makmur Sejati in 2016. As such, the capital structure and the Company’s shareholders composition in accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita on December 31, 2016 are as follows:
2017Changed of shareholders in PT Bank Maybank Indonesia and PT Wahana Makmur Sejati in 2016. As such, the capital structure and the Company’s shareholders composition in accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita on December 31, 2016 are as follows:
Kronologi Penerbitan SahamShares Chronology
Horizon of GrowtH 111PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
2017Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2017descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT bank Maybank Indonesia Tbk 2.386.646.729 238.664.672.900 68,55 PT Bank Maybank Indonesia Tbk
PT wahana Makmur Sejati 738.308.900 73.830.890.000 21,21 PT Wahana Makmur Sejati
Masyarakat 356.525.851 35.652.585.100 10,24 Public
jumlah Modal Ditempatkan dan Disetor Penuh 3.481.481.480 348.148.148.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 1.518.518.520 151.851.852.000 total shares
2018Pada tahun 2018 tidak terjadi perubahan pemegang saham PT Bank Maybank Indonesia dan terjadi perubahan pemegang saham pada PT Wahana Makmur Sejati. Dengan kondisi tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2018 adalah sebagai berikut:
2018No Changed of shareholders in PT Bank Maybank Indonesia and there was a changed of shareholders in PT Wahana Makmur Sejati in 2018. As such, the capital structure and the Company’s shareholders composition in accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita on December 31, 2018 are as follows:
2018Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2018descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT Bank Maybank Indonesia Tbk 2.386.646.729 238.664.672.900 68,55 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 833.316.600 83.331.660.000 23,94 PT Wahana Makmur Sejati
Masyarakat 261.518.151 26.151.815.100 7,51 Public
Jumlah Modal Ditempatkan dan Disetor Penuh
3.481.481.480 348.148.148.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 1.518.518.520 151.851.852.000 total shares
Kronologi Penerbitan SahamShares Chronology
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH112
Kronologi Penerbitan SahamShares Chronology
2019Pada tahun 2018 tidak terjadi perubahan pemegang saham PT Bank Maybank Indonesia dan terjadi perubahan pemegang saham pada PT Wahana Makmur Sejati. Dengan kondisi tersebut, struktur permodalan dan susunan pemegang saham Perseroan sesuai dengan Daftar Pemegang Saham yang dikeluarkan oleh Biro Administrasi Efek PT Sinartama Gunita pada tanggal 31 Desember 2018 adalah sebagai berikut:
2019No Changed of shareholders in PT Bank Maybank Indonesia and there was a changed of shareholders in PT Wahana Makmur Sejati in 2018. As such, the capital structure and the Company’s shareholders composition in accordance with the Shareholders Registry issued by Share Registrar PT Sinartama Gunita on December 31, 2018 are as follows:
2019Keterangan
Nilai Nominal rp100 per sahampar Value rp100 per share
(%) 2019descriptionJumlah saham
total sharesNilai Nominal (rp)
Nominal ValueModal Dasar 5.000.000.000 500.000.000.000 Authorized Capital
pemegang saham shareholdersPT Bank Maybank Indonesia Tbk 2.386.646.729 238.664.672.900 68,55 PT Bank Maybank Indonesia Tbk
PT Wahana Makmur Sejati 833.316.600 83.331.660.000 23,94 PT Wahana Makmur Sejati
Masyarakat 261.518.151 26.151.815.100 7,51 Public
Jumlah Modal Ditempatkan dan Disetor Penuh
3.481.481.480 348.148.148.000 100,00 Total Issued and Paid-up Capital
Jumlah saham dalam portepel 1.518.518.520 151.851.852.000 total shares
Horizon of GrowtH 113PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
KRONOLOGI PENERbITAN EfEK LAINOther Stocks Chronology
Per 31 Desember 2019 | As of 31 December 2019
Nama ObligasiBonds
seriseries
tingkat Bunga
Coupon rate
Nominal Jatuh tempomaturity
peringkatratings total Outstanding
Keterangandescription
Obigasi I WOMFBonds I WOMF
Seri A 13,50% Rp150.000.000.000 11 November 2006November 11, 2006 A-(idn)
Rp300.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity dateSeri B 13,75% Rp150.000.000.000 11 November 2007
November 11, 2007 A-(idn)
Obligasi II WOMFBonds II WOMF
Seri A 12,75% Rp190.000.000.000 7 Juni 2007June 7, 2007 A-(idn)
Rp500.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity date
Seri B 13,25% Rp140.000.000.000 7 Juni 2008June 7, 2008 A-(idn)
Seri C 13,90% Rp170.000.000.000 7 Juni 2009June 7, 2009 A-(idn)
Obligasi III WOMFBonds III WOMF
Seri A 14,85% Rp200.000.000.000 7 Juni 2008June 7, 2008 A-(idn)
Rp825.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity date
Seri B 15,15% Rp465.000.000.000 7 Juni 2009June 7, 2009 A-(idn)
Seri C 15,35% Rp160.000.000.000 7 Juni 2010June 7, 2010 A-(idn)
Obligasi IV WOMFBonds IV WOMF
Seri A 11,25% Rp225.000.000.000 29 Mei 2010May 29, 2010 A-(idn)
Rp1.000.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity date
Seri B 11,63% Rp185.000.000.000 29 Mei 2011May 29, 2011 A-(idn)
Seri C 12,00% Rp590.000.000.000 29 November 2011November 29, 2011 A-(idn)
Obligasi V WOMFBonds V WOMF
Seri A 8,75% Rp294.000.000.000 9 Maret 2012March 9, 2012 AA(idn)
Rp1.400.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity date
Seri B 9,60% Rp120.000.000.000 4 Maret 2013March 4, 2013 AA(idn)
Seri C 10,30% Rp366.000.000.000 4 Maret 2014March 4, 2014 AA(idn)
Seri D 11,00% Rp620.000.000.000 4 Maret 2015March 4, 2015 AA(idn)
Obligasi Berkelanjutan I WOM Finance Tahap I Tahun 2014Shelf Bonds I WOM Finance Phase I 2014
Seri A 10,25% Rp397.000.000.000 5 Juli 2015July 5, 2015 AA(idn)
Rp600.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity dateSeri B 11,00% Rp203.000.000.000 25 Juni 2017
June 25, 2017 AA(idn)
Obligasi Berkelanjutan I WOM Finance Tahap II Tahun 2014Shelf Bonds I WOM Finance Phase II 2014
Seri A 10,25% Rp300.000.000.000 15 Desember 2015December 15, 2015 AA(idn)
Rp800.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity dateSeri B 11,25% Rp500.000.000.000 5 Desember 2017
December 5, 2017 AA(idn)
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH114
Nama ObligasiBonds
seriseries
tingkat Bunga
Coupon rate
Nominal Jatuh tempomaturity
peringkatratings total Outstanding
Keterangandescription
Obligasi Berkelanjutan I WOM Finance Tahap III Tahun 2015 Shelf Bonds I WOM Finance Phase III 2015
Seri A 9,25% Rp140.000.000.000 12 April 2016April 12, 2016 AA-(idn)
Rp1.000.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity dateSeri B 10,25% Rp860.000.000.000 2 April 2018
April 2, 2018 AA-(idn)
Obligasi Berkelanjutan I WOM Finance Tahap IV Tahun 2015Shelf Bonds I WOM Finance Phase IV 2015
Seri A 9,35% Rp203.000.000.000 2 Januari 2017January 2, 2017 AA-(idn)
Rp600.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity dateSeri B 10,80% Rp397.000.000.000 22 Desember 2018
December 22, 2018 AA-(idn)
Obligasi Berkelanjutan II Tahap I Tahun 2016Shelf Bonds II Phase I 2016
Seri A 8,50% Rp442.000.000.000 4 Juli 2017July 4, 2017 AA-(idn)
Rp665.000.000.000
Telah dilunasi sesuai tanggal jatuh tempoHas been fully paid as per maturity dateSeri B 9,50% Rp223.000.000.000 24 Juni 2019
June 24, 2019 AA-(idn)
Obligasi Berkelanjutan II Tahap II Tahun 2017Shelf Bonds II Phase II 2017
Seri A 7,80% Rp400.000.000.000 1 September 2018September 1, 2018 AA-(idn)
Rp720.500.000.000Seri B masih outstandingSerie B is still outstanding
Seri B 8,90% Rp320.500.000.000 22 Agustus 2020August 22, 2020 AA-(idn)
Obligasi Berkelanjutan II Tahap III Tahun 2017Shelf Bonds II Phase III 2017
Seri A 7.15% Rp601.500.000.000 16 Desember 2018December 16, 2018 AA-(idn)
Rp867.500.000.000Seri B masih outstandingSerie B is still outstanding
Seri B 8,45% Rp266.000.000.000 6 Desember 2020December 6, 2020 AA-(idn)
Kronologi Penerbitan Efek LainOther Stocks Chronology
Horizon of GrowtH 115PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany ProfileNama
ObligasiBonds
seriseries
tingkat Bunga
Coupon rate
Nominal Jatuh tempomaturity
peringkatratings total Outstanding
Keterangandescription
Obligasi Berkelanjutan II Tahap IV Tahun 2018Shelf Bonds II Phase IV 2018
Seri A 6,85% Rp626.000.000.000 16 April 2019April 16, 2019
AA-(idn) Rp793.000.000.000
Seri B dan C masih outstanding Series B and C are still outstanding
Seri B 7,50% Rp55.000.000.000 6 April 2020April 6, 2020
Seri C 8,15% Rp112.000.000.000 6 April 2021April 6, 2021
Obligasi Berkelanjutan II Tahap V Tahun 2018Shelf Bonds II Phase V 2018
Seri A 7.35% Rp293.000.000.000 18 Juni 2019June 18, 2019
AA-(idn) Rp360.500.000.000
Seri B dan C masih outstanding Series B and C are still outstandingSeri B 8.60% Rp67.500.000.000 8 Juni 2021
June 8, 2021
Obligasi Berkelanjutan III Tahap I Tahun 2018Shelf Bonds III Phase I 2018
Seri A 9.25% Rp411.500.000.000 30 Desember 2019December 30, 2019
AA-(idn) Rp570.500.000.000
Seri B dan C masih outstanding Series B and C are still outstanding
Seri B 9.75% Rp40.000.000.000 20 Desember 2020December 20, 2020
Seri C 10.00% Rp119.000.000.000 20 Desember 2021December 20, 2021
Obligasi Berkelanjutan IIITahap II Tahun 2019Shelf Bonds III Phase II 2019
Seri A 8.50% Rp931.500.000.000 9 Juni 2020June 9 , 2020
AA-(idn) Rp1.675.000.000.000Masih outstanding Still outstandingSeri B 9.15% Rp125.500.000.000 29 Mei 2021
May 29, 2021
Seri C 9.85% Rp618.000.000.000 29 Mei 2022May 29, 2022
Kronologi Penerbitan Efek LainOther Stocks Chronology
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH116
NAMA DAN ALAMAT LEMbAGA & PROfESI PENUNJANGName and Address of Supporting Institutions & Professions
• Nama dan alamat Bae/pihak yang mengadministrasikan saham perusahaan | Share Registrar Name and Address / The party that administering the Company’s shares
Nama | Name : PT Sinartama Gunita
Alamat | Address : Sinarmas Land Plaza Tower III, Lantai 12 Jl. MH Thamrin Kav.22/51, Gondangdia – Menteng, Jakarta 10350
Jasa Yang Diberikan | Services Provided : Pemeliharaan Data Saham Perseroan | Company Shares Data Administration
Periode Penugasan | Assignment Period : Per Tahun | Per Year
• Nama dan alamat Kantor akuntan publik | SPublic Accounting Office Name And Address
Nama | Name : Purwanto, Sungkoro & Surja (Firma anggota Ernst & Young Global Limited)
Alamat | Address : Gedung Bursa Efek Indonesia Tower II, Lantai 7, Jl. Jend. Sudirman Kav. 52-53, Jakarta 12190
Jasa Yang Diberikan | Services Provided :
Audit terhadap laporan keuangan tahunan Perseroan untuk tahun buku yang berakhir 31 Desember 2019 | An audit of the Company’s Annual Financial Statements for the Year ending 31 December 2019
Periode Penugasan | Assignment Period : Per laporan keuangan tahunan | Per Annual Financial Report
• Nama dan alamat perusahaan pemeringkat efek | Share Rating Agency Name and Address
Nama | Name : PT Fitch Ratings Indonesia
Alamat | Address : DBS Tower, Lantai 24 suite 2403, Jl. Prof DR. Satrio, Kav.3-5, Jakarta 12940
Jasa Yang Diberikan | Services Provided : Review Rating | Rating Review
Periode Penugasan | Assignment Period : Per tahun | Per Year
Horizon of GrowtH 117PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Nama dan Alamat Lembaga & Profesi PenunjangName and Addres of Supporting Institutions & Professions
• dalam hal terdapat profesi penunjang pasar modal Yang memberikan Jasa secara Berkala Kepada emiten atau perusahaan publik, diungkapkan informasi mengenai Jasa Yang diberikan, Komisi (Fee), dan periode penugasan; | In the event that there is a Capital Market Supporting Professional who provides services periodically to Issuers or Public Companies, information regarding services provided, commissions (fees) and assignment periods is disclosed;
Nama | Name : Siahaan Iradmis Andarumi & Rekan Counsellors at Law (SIAR)
Alamat | Address : Satrio Tower Lantai 12, Jl. Prof DR Satrio, Kav C4, Jakarta 12950
Jasa Yang Diberikan | Services Provided :
Uji Tuntas Dari Segi Hukum, Dan Pembuatan Laporan Uji Tuntas Dari Segi Hukum Sehubungan Dengan Penawaran Umum Berkelanjutan Obligasi III WOM Finance Tahap II 2019 | Due Diligence from the Legal Aspect, and Preparation of a Due Diligence Report Regarding WOM Finance Shelf Bonds III Phase II 2019
Periode Penugasan | Assignment Period : Mei 2019 | May 2019
Nama | Name : PT Kustodian Sentral Efek Indonesia (KSEI)
Alamat | Address : Gedung Bursa Efek Indonesia Tower I, Lantai 5, Jl. Jend Sudirman Kav.52-53, Jakarta 12190
Jasa Yang Diberikan | Services Provided : Jasa Pendaftaran Obligasi dan Agen Pembayaran | Bonds Registration and Payment
Agent Service
Periode Penugasan | Assignment Period : Per Tahun | Per Year
Nama | Name : IR. Nanette Cahyanie Handari Adi Warsito, SH
Alamat | Address : Jl. Panglima Polim V/11, Kebayoran Baru, Jakarta 12160
Jasa Yang Diberikan | Services Provided : Biaya akta-akta obligasi berkelanjutan III WOM Finance Tahap II Tahun 2019 | Deed Fees
for Shelf Bonds III WOM Finance Phase II 2019
Periode Penugasan | Assignment Period : Per pembuatan akta | Per Deeds preparation
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH118
Nama dan Alamat Lembaga & Profesi PenunjangName and Addres of Supporting Institutions & Professions
Nama | Name : Leolin Jayayanti, SH, MKn
Alamat | Address : Jl. Pulo Raya VI/K, Kebayoran Baru, Jakarta 12170
Jasa Yang Diberikan | Services Provided :
Pembuatan Akta RUPS, persetujuan pemberitahuan ke MENKUMHAM RI, dan pencetakan BNRI | Preparation of GMS Deeds, Approval Notice to Justice Minister and BNRI printing
Periode Penugasan | Assignment Period : Per rapat umum pemegang saham Perseroan | Per Company General Meeting of
Shareholders
Nama | Name : PT Bank Rakyat Indonesia Tbk
Alamat | Address : BRI II Building 30th floor, Jl. Jend Sudirman kav 44-46, Jakarta 10210
Jasa Yang Diberikan | Services Provided : Jasa Perwaliamanatan Obligasi Berkelanjutan III WOM Finance Tahap II Tahun 2019 |
Trustee services for WOM Finance Shelf Bonds III Phase II 2019
Periode Penugasan | Assignment Period : Per tahun | Per Year
Horizon of GrowtH 119PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
PENGHARGAAN & SERTIfIKASIAwards & Certifications
Nama Penghargaan | Awards : 100 Best Listed Company 2019Tanggal Pelaksanaan | Date :16 May 2019Penyelenggara | Organizer :Majalah Investor
Nama Penghargaan | Awards : 8th Digital Brand Award 2019Tanggal Pelaksanaan | Date :16 May 2019Penyelenggara | Organizer :Majalah Infobank
Nama Penghargaan | Awards : Indonesia Coprorate Secretary - Communication Award - IV - 2019Tanggal Pelaksanaan | Date :22 Feb 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards :Indonesia Corporate Social Reponsibility Award III 2019Tanggal Pelaksanaan | Date :07 Mar 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards :Indonesia Multifinance TOP LEADER Award 2019Tanggal Pelaksanaan | Date :15 Mar 2019Penyelenggara | Organizer :Majalah Warta Ekonomi
Nama Penghargaan | Awards : Indonesia Human Capital Award V 2019Tanggal Pelaksanaan | Date :16 May 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards :The Best Indonesia Sales Marketing Award III 2019Tanggal Pelaksanaan | Date :22 Mar 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards : Indonesia Financial TOP Leader Award 2019Tanggal Pelaksanaan | Date :24 Apr 201930 Apr 2019Penyelenggara | Organizer :Majalah Warta Ekonomi
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH120
Penghargaan dan SertifikasiAwards & Certifications
Nama Penghargaan | Awards : Infobank 15th Multifinance Award 2019Tanggal Pelaksanaan | Date :19 Sep 2019Penyelenggara | Organizer :Majalah Infobank
Nama Penghargaan | Awards : Digital Marketing and Social Media Award 2019Tanggal Pelaksanaan | Date :27 Sep 2019Penyelenggara | Organizer :Majalah Infobank
Nama Penghargaan | Awards : Indonesia Finance Award - II 2019Tanggal Pelaksanaan | Date :20 Jun 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards :Indonesia Enterprise Risk ManagementTanggal Pelaksanaan | Date :03 Aug 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards : Service Quality Award 2019Tanggal Pelaksanaan | Date :10 Jul 2019Penyelenggara | Organizer :Carre & Service Excellence
Nama Penghargaan | Awards : TOP GCR 2019Tanggal Pelaksanaan | Date :22 Aug 2019Penyelenggara | Organizer :Majalah TOP Business
Nama Penghargaan | Awards :Indonesia Good Corporate Governance Award 2019Tanggal Pelaksanaan | Date :23 Aug 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards : TOP Multifinance 2019Tanggal Pelaksanaan | Date :28 Aug 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards : Indonesia Multifinance Company ot The Year 2019Tanggal Pelaksanaan | Date :04 Oct 2019 Penyelenggara | Organizer :Majalah Warta Ekonomi
Horizon of GrowtH 121PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Penghargaan dan SertifikasiAwards & Certifications
Nama Penghargaan | Awards : Top 20 Financial Institution 2019Tanggal Pelaksanaan | Date :11 Dec 2019Penyelenggara | Organizer :Majalah Infobank
Nama Penghargaan | Awards : Tokoh Finansial Award 2019Tanggal Pelaksanaan | Date :12 Dec 2019Penyelenggara | Organizer :Majalah Investor
Nama Penghargaan | Awards : Infobank Multifinance Awards 2019Tanggal Pelaksanaan | Date :11 Oct 2019Penyelenggara | Organizer :Majalah Infobank
Nama Penghargaan | Awards :Best of The Best Awards Forbes Indonesia Tanggal Pelaksanaan | Date :30 Oct 2019Penyelenggara | Organizer :Forbes Indonesia
Nama Penghargaan | Awards :Anugerah Perusahaan Tbk Indonesia VI 2019Tanggal Pelaksanaan | Date :16 Nov 2019Penyelenggara | Organizer :Majalah Economic Review
Nama Penghargaan | Awards : Top Digital Awards 2019 Tanggal Pelaksanaan | Date :27 Nov 2019Penyelenggara | Organizer :TOP Business
Nama Penghargaan | Awards : Indonesia Operational Excellence Award-II-2019Tanggal Pelaksanaan | Date :06 Dec 2019Penyelenggara | Organizer :Economic Review
Nama Penghargaan | Awards : Indonesia Information Technology Award-II- 2019Tanggal Pelaksanaan | Date :06 Dec 2019Penyelenggara | Organizer :Economic Review
Nama Penghargaan | Awards : Indonesia Public Companies Award 2019Tanggal Pelaksanaan | Date :16 Dec 2019Penyelenggara | Organizer :Warta Economi.co.id
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH122
INfORMASI PADA WEbSITE PERUSAHAANCorporate Website Information
informasiInformation
deskripsiDescriptions
Tentang KamiAbout Us
Profil Profile
Visi Misi Vision Mission
Dewan Komisaris Board of Commissioners
Piagam Dewan Komisaris BOC Charter
Direksi Board of Directors
Piagam Direksi BOD Charter
Penghargaan Awards
Struktur Organisasi Organization Structure
Nilai Perusahaan Corporate Values
Lembaga & Profesi Penunjang Pasar Modal
Capital Market Institution & Supporting Professions
Anggaran Dasar Perseroan Articles of Association
Kode Etik Code of Conduct
Hubungan InvestorInvestor Relations
Laporan Keuangan Financial Statements
Laporan Tahunan Annual Report
Tata Kelola Perusahaan Corporate Governance
Rapat Umum Pemegang Saham General Meeting Shareholders
Komite Perusahaan Committees
Publikasi Publications
Credit Rating Credit Rating
Aksi Korporasi Corporate Actions
Informasi Obligasi Bonds Information
Struktur Pemegang Saham Shareholders Structure
Struktur Group Perusahaan Shareholding Structure
Pengaduan Konsumen Customers Complains
BeritaNews
Kegiatan KorporasiKegiatan CSR
Corporate Sosial ResponsibilityCorporate News
JaringanNetworks
Kantor Cabang Branch Offices
Horizon of GrowtH 123PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
PENDIDIKAN & PELATIHAN DEWAN KOMISARIS,DIREKSI, KOMITE-KOMITE, SEKRETARIS PERUSAHAAN, & UNIT AUDIT INTERNALEducation & Training of The Board of Commissioners, Board of Directors, Committees, Corporate Secretary, & Internal Audit Unit
Pendidikan & Pelatihan Dewan KomisarisWorkshop & Trainings of the Board of Commissioners
pesertaParticipants
topik pelatihanTopics
penyelenggaraOrganizers
tempat & tanggalLocation & Date
I Nyoman Tjager Seminar Internasional | International Seminar: “Multifinance: Consumer Protection, Risk Management and Fraud Early Warning System in Digital Era”
APPI Bali, 26 April 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Robbyanto Budiman Seminar Nasional | National Seminar: “Anti Fraud Strategy In Multifinance Industry”
APPIJakarta, 21 Februari 2019Jakarta, 21 February 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Thilagavathy Nadason Seminar Nasional “Peluang dan Tantangan Tahun 2020”National Seminar “Opportunities and Challenges in 2020”
APPI Jakarta, 26 November 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Garibaldi Thohir Seminar Nasional | National Seminar: “Anti Fraud Strategy In Multifinance Industry”
APPIJakarta, 21 Februari 2019Jakarta, 21 February 2019
Myrnie Zachraini Tamin Seminar Nasional | National Seminar: “Anti Fraud Strategy In Multifinance Industry”
APPIJakarta, 21 Februari 2019Jakarta, 21 February 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH124
Pendidikan & Pelatihan Dewan Komisaris, Direksi, Komite-Komite, Sekretaris Perusahaan & Unit Audit InternalEducation & Training of The Board of Commissioners, Board of Directors, Committees, Corporate Secretary, & Internal Audit Unit
Pendidikan & Pelatihan DireksiWorkshop & Trainings of the Board of Directors
pesertaParticipants
topik pelatihanTopics
penyelenggaraOrganizers
tempat & tanggalLocation & Date
Djaja Suryanto SutandarSeminar Nasional “Industri Pembiayaan Di Tengah Gejolak Politik dan Ekonomi”National Seminar: “The Financing Industry Amid Political and Economic Turmoil”
APPI
Jakarta, 25 Juli 2019Jakarta, 25 July 2019
Seminar Nasional "Peluang dan Tantangan Tahun 2020"National Seminar “Opportunities and Challenges in 2020”
Jakarta, 26 November 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Zacharia SusantadiredjaSeminar Nasional “Industri Pembiayaan Di Tengah Gejolak Politik dan Ekonomi”National Seminar: “The Financing Industry Amid Political and Economic Turmoil”
APPI
Jakarta, 25 Juli 2019Jakarta, 25 July 2019
Seminar Nasional “Peluang dan Tantangan Tahun 2020”National Seminar “Opportunities and Challenges in 2020”
Jakarta, 26 November 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Njauw Vido OnadiSeminar Nasional “Industri Pembiayaan Di Tengah Gejolak Politik dan Ekonomi”National Seminar: “The Financing Industry Amid Political and Economic Turmoil”
APPI
Jakarta, 25 Juli 2019Jakarta, 25 July 2019
Seminar Nasional “Peluang dan Tantangan Tahun 2020”National Seminar “Opportunities and Challenges in 2020”
Jakarta, 26 November 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Anthony Y. Panggabean Seminar Nasional “Industri Pembiayaan Di Tengah Gejolak Politik dan Ekonomi”National Seminar: “The Financing Industry Amid Political and Economic Turmoil”
APPI
Jakarta, 25 Juli 2019Jakarta, 25 July 2019
Seminar Nasional “Peluang dan Tantangan Tahun 2020”National Seminar “Opportunities and Challenges in 2020”
Jakarta, 26 November 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Wibowo* Seminar Nasional “Peluang dan Tantangan Tahun 2020”National Seminar “Opportunities and Challenges in 2020”
APPI Jakarta, 26 November 2019
Overview IFRS 9 / PSAK 71 WOM Finance Jakarta, 21 November 2019
Horizon of GrowtH 125PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Pendidikan & Pelatihan Dewan Komisaris, Direksi, Komite-Komite, Sekretaris Perusahaan & Unit Audit Internal
Education & Training of The Board of Commissioners, Board of Directors, Committees, Corporate Secretary, & Internal Audit Unit
Pendidikan & Pelatihan Sekretaris PerusahaanWorkshop & Trainings of the Corporate Secretary
pesertaParticipants
topik pelatihanTopics
penyelenggaraOrganizers
tempat & tanggalLocation & Date
Zacharia Susantadiredja Seminar Nasional “Industri Pembiayaan Di Tengah Gejolak Politik dan Ekonomi”National Seminar: “The Financing Industry Amid Political and Economic Turmoil”
APPI
Jakarta, 25 Juli 2019Jakarta, 25 July 2019
Seminar Nasional “Peluang dan Tantangan Tahun 2020”National Seminar “Opportunities and Challenges in 2020”
Jakarta, 26 November 2019
Pendidikan & Pelatihan Komite AuditWorkshop & Trainings of the Audit Committee
pesertaParticipants
topik pelatihanTopics
penyelenggaraOrganizers
tempat & tanggalLocation & Date
Myrnie Zachraini Tamin Seminar Nasional | National Seminar: “Anti Fraud Strategy In Multifinance Industry”
APPIJakarta, 21 Februari 2019Jakarta, 21 February 2019
Pemahaman PSAK 71, 72 dan 73Overview PSAK 71, 72 and 73
IKAI
Jakarta, 25 & 26 Juli 2019Jakarta, 25 & 26 July 2019
Menyongsong Penerapan Standar Auditing (SA)Welcoming The Implementation of Auditing Standards
Jakarta, 28 Agustus 2019Jakarta, 28 August 2019
Setiawan KriswantoThe Battle Against Bribery And Corruption
IKAI
Jakarta, 26 Februari 2019Jakarta, 26 February 2019
Perjalanan Profesi Komite Audit di Indonesia: Tantangan dan Prospek Masa DepanProfessional Journey Audit Committee in Indonesia: Challenges and Future Prospects
Jakarta, 18 Juni 2019Jakarta, 18 June 2019
Menyongsong Penerapan Standar Auditing (SA) 701 - Komunikasi Key Audit MattersWelcoming The Implementation of Auditing Standards 701 - Key Audit Matters Communication
Jakarta, 28 Agustus 2019Jakarta, 28 August 2019
Patricia Marina SugondoPemahaman PSAK 71, 72, dan 73Overview PSAK 71, 72 and 73
IKAI
Jakarta, 25 Juli 2019Jakarta, 25 July 2019
Menyongsong Penerapan Standar Auditing (SA) 701 - Komunikasi Key Audit MattersWelcoming The Implementation of Auditing Standards 701 - Key Audit Matters Communication
Jakarta, 28 Agustus 2019Jakarta, 28 August 2019
Certification In Audit Committee Practices Jakarta, 5 - 7 November 2019
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH126
WILAYAH OPERASIONALOperational Map
Horizon of GrowtH 127PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Wilayah OpersionalOperational Map
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH128
ALAMAT KANTOR, KANTOR CAbANG & KANTOR SELAIN KANTOR CAbANGAddresses Of Office, Branch Offices & Other Branches
Jakarta, tangerang dan serangKantor CabangBranch Offices
BalarajaKp. Saga, RT/RW 006/004, Desa Tobat, Kecamatan Balaraja, Kabupaten Tangerang, Provinsi Banten.Kabupaten Tangerang
BekasiJalan Jend. Sudirman No.99A Rt.02/07 Kelurahan Kranji, Kecamatan Bekasi Barat 17135Kota Bekasi
CikarangJalan R.E. Martadinata Nomor 3 dan 4, Kelurahan Karang Baru, Kecamatan Cikarang Utara, Kabupaten Bekasi, Provinsi Jawa BaratKabupaten Bekasi
CikupaJL.SOUTH AVENUE, RUKO GRAND ARCADE BLOK VC02 NO.98 & 100, Kelurahan MEKAR BAKTI, Kecamatan PANONGAN, Kabupaten TANGERANGKabupaten Tangerang
CiledugCBD Boulevard Ciledug, Jl. HOS Cokroaminoto Blok A2 No. 33, 35 dan 10, Kelurahan Karang Tengah, Kecamatan Karang Tengah, Kotamadya Tangerang, Provinsi BantenKota Tangerang
CiputatGedung Wahana Artha Lt 3, Jalan Ir. Hj. Juanda No.43 Rt.01/ Rw.03 Desa Cempaka Putih, Kecamatan Ciputat, Kota Tangerang Selatan
Daan MogotJalan Peta Selatan, Komplek Ruko Citi Square Business Park Blok G-2 & G-3, Kelurahan Kalideres, Kecamatan Kalideres, Jakarta BaratKota Administrasi Jakarta Barat
DepokJalan Raya Citayam Nomor 17 RT002 RW 002, Kelurahan Depok, Kecamatan Pancoran Mas, Kota Depok, Provinsi Jawa BaratKota Depok
KarawangPerum Grand Taruna Ruko Dharmawangsa Blok C 18 dan C 19, Desa Sukamakmur, Kecamatan Telukjambe Timur, Kabupaten KarawangKabupaten Karawang
KemayoranMega Glodok Kemayoran Office Ruko Blok C Nomor 27-28 Jalan Angkasa Blok B Kav.6, Kelurahan Gunung Sahari Selatan, Kecamatan Kemayoran, Kota Jakarta PusatKota Administrasi Jakarta Pusat
LabuanRuko Depan POM Bensin Sukamaju Nomor 8,9,10 Desa Sukamaju, Kecamatan Labuan, Kabupaten Pandeglang, Propinsi Banten.Kabupaten Pandeglang
MaukJl.Raya Moch.Toha Blok B No.15 A-B Kel.Pabuaran Tumpeng, Kec.Karawaci, Kota Tangerang, BantenKabupaten Tangerang
RangkasbitungJalan By Pass Soekarno Hatta, Kelurahan Kaduagung Timur, Kecamatan Cibadak, Kabupaten Lebak, BantenKabupaten Lebak
RawamangunJalan Balai Pustaka Timur No. 14 A RT 004/11 Blok J Kav. 225, Kelurahan Rawamangun, Kecamatan Pulogadung, Kota Jakarta TimurKota Administrasi Jakarta Timur
SerangJalan Raya Cilegon KM.3, Lingkungan Legok Assalam RT 002/RW O11, Blok B-C No.10, Kelurahan Drangong, Kecamatan Taktakan, Kabupaten Serang, BantenKota Serang
TangerangRuko Paramount Dot Com Blok Orange No. 11, 12 dan 15 Kelurahan Pakulonan Barat, Kecamatan Kelapa Dua, Kabupaten Tangerang, BantenKabupaten Tangerang
KSKC | Non Branch Office
CisaukRuko Serpong Garden Blok 7 No. 18, Kelurahan Cibogo, Kecamatan Cisauk, Kabupaten Tangerang, Provinsi BantenKabupaten Tangerang
Kantor Cabang & Kantor Selain Kantor Cabang (“KSKC”)Branch Offices & Representative Offices
Kantor pusatHead OfficeAltira Office Tower, Lt.32, 33, & 35Jl.Yos Sudarso Kav.85, Sunter Jaya, Tanjung PriokJakarta Utara 14350
Horizon of GrowtH 129PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
JelambarJalan Utama Raya No. 3A, RT.006, RW.007, Kelurahan Wijaya Kusuma, Kecamatan Grogol, Petamburan, Jakarta BaratKota Administrasi Jakarta Barat
KojaJalan Cipeucang V No.20RT 001 RW 012, Kelurahan Koja, Kecamatan Koja, Jakarta Utara, Provinsi DKI JakartaKota Administrasi Jakarta Utara
PamulangJalan Padjajaran Ruko Pamulang Plaza Blok B No. 3, RT 02/01, Kelurahan Pamulang Barat, Kecamatan Pamulang, Kota Tangerang Selatan,Kota Tangerang Selatan
Pondok ArenJalan Kampung Pondok Aren, RT.001 RW.007, Kelurahan Parigi, Kecamatan Pondok Aren, Kota Tangerang Selatan, Provinsi BantenKota Tangerang Selatan
RajegKomplek Mekarsari Residence A/7, Ds. Mekarsari, Kec. Rajeg, Kab. TangerangKabupaten Tangerang
Taman MiniJalan Raya Pinang Ranti (Raya Pondok Gede) No. 11, RT.014 RW.002, Kelurahan Pinang Ranti, Kecamatan Makasar, Jakarta TimurKota Administrasi Jakarta Timur
TambunRuko Grand Kalimas Blok A No.11 Jl.KH. Noer Alie Inspeksi Kalimalang, Tambun Selatan, BekasiKabupaten Bekasi
TigaraksaJl. Kimas Laeng, Kelurahan Matagara Kecamatan Tigaraksa, Kabupaten TangerangKabupaten Tangerang
Jawa Baratwest JaVaKantor CabangBranch Offices
BandungJalan Peta Ruko No. 19-21 Lingkar Selatan, Kelurahan Pelindung Hewan Kecamatan Astana Anyar, Kota Bandung, Jawa BaratKota Bandung
BogorJalan KH Abdullah Bin Nuh No.27 H-I ,Simpang 4, Kelurahan Yasmin Semplak, Kecamatan Bogor Barat, Kota Bogor, Jawa BaratKota Bogor
CianjurJalan Ir. H. Juanda Ruko Panembong 88 RT 02/02, Kelurahan Limbangansari, Kecamatan Cianjur, Kabupaten Cianjur, JabarKabupaten Cianjur
CibinongKomplek Ruko Graha Cibinong G No.7, Kelurahan Cirimekar, Kecamatan Cibinong, Kabupaten Bogor, Provinsi Jawa BaratKabupaten Bogor
CileungsiJalan Raya Alternatif Cileungsi – Cibubur No.21A-21B Kp. Pasar Lama RT.001/004 Desa Cileungsi, Kecamatan Cileungsi, Kabupaten Bogor, Provinsi Jawa BaratKabupaten Bogor
CimahiJalan Encep Kartawiria No. 004 B RT 002 RW 018, Kelurahan, Citeurep Kecamatan Cimahi Utara, Kota Cimahi, Provinsi Jawa BaratKota Cimahi
CirebonKomp CSB (Cirebon Super Blok) Ruko Berry Green Kav. No. 5-6, Jalan Dr. Cipto Mangunkusumo, Kelurahan Pekiringan, Kecamatan Kesambi , Kota Cirebon, Jawa Barat.Kota Cirebon
GarutKomplek Ruko Intan Bisnis center Blok I No. 15, Kelurahan Pakuwon, kecamatan Garut Kota, Kabupaten Garut, Provinsi Jawa Barat.Kabupaten Garut
JatibarangJalan Raya Kongsi Nomor 17, Kelurahan Kongsi Jaya, Kecamatan Windasari, Kabupaten Indramayu, Provinsi Jawa BaratKabupaten Indramayu
KuninganJalan Syeh Maulana Akbar Nomor 18 Lingkungan Manis RT 01 RW 01, Kelurahan Purwawinangun, Kecamatan Kuningan, Kabupaten Kuningan, Jawa BaratKabupaten Kuningan
LeuwiliangJalan Raya Leuwiliang Kampung Cimanggu RT.01, RW.01, Kelurahan Cimanggu 1, Kecamatan Cibungbulang, Kabupaten Bogor, Jawa BaratKabupaten Bogor
MajalengkaJalan Kyai Haji Abdul Halim RT 05/ RW 08, Kelurahan Majalengka Kulon, Kecamatan Majalengka, Kabupaten Majalengka, Provinsi Jawa Barat.Kabupaten Majalengka
PurwakartaJalan Basuki Rahmat No. 48, Rt.06/06, Kelurahan Sindangkasih, Kecamatan Purwakarta, Kabupaten Purwakarta, Jawa BaratKabupaten Purwakarta
Alamat KantorOffice Address
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH130
SubangJalan Otista RT 95 RW 26 Nomor 279 A, Kelurahan Karanganyar, Kecamatan Subang, Kabupaten Subang, Jawa BaratKabupaten Subang
SukabumiJalan Otto Iskandardinata Nomor 95, Kelurahan Nanggeleng, Kecamatan Citamiang, Kota Sukabumi, Provinsi Jawa BaratKota Sukabumi
SumedangJalan Prabu Gajah Agung No. 118, Kelurahan Situ, Kecamatan Sumedang Utara, Kabupaten Sumedang , Jawa BaratKabupaten Sumedang
TasikmalayaRuko Mayasari Plaza Jalan Lingkungan Nomor 26, Kelurahan Argasari, Kecamatan Cihideung, Kota Tasikmalaya, Jawa BaratKota Tasikmalaya
KSKC | Non Branch Office
CililinKampung Radio Nomor 35 RT.002, RW.001, Desa Cililin, Kabupaten Bandung Barat, Provinsi Jawa BaratKabupaten Bandung Barat
Gunung PutriJalan Letda Natsir RT.002 RW.011, Desa Bojongkulur, Kecamatan Gunung Putri, Kabupaten Bogor, Propinsi Jawa BaratKabupaten Bogor
JonggolRuko Citra Indah Square, Blok RCS, Desa Cipeucang, Kecamatan Cileungsi, kabupaten Bogor, Propinsi Jawa BaratKabupaten Bogor
PatrolJl. Patrol - Lohbener Pantura, Desa Patrol, Kec. Patrol, Kab. Indramayu, JabarKabupaten Indramayu
SetiabudiJalan Cemara Nomor 57, Kelurahan Pasteur, Kecamatan Sukajadi, Wilayah Bojonagara, Kota Bandung, Propinsi Jawa BaratKota Bandung
SoreangJalan Raya Soreang, RT. 03 RW. 04, Desa Pamekaran, Kecamatan Soreang, Kabupaten Bandung, Provinsi Jawa Barat. Kabupaten Bandung
PekalonganKomplek Ruko The Luxor, Jalan A Yani No. 1, Kelurahan Bener, Kecamatan Wiradesa, Kota Pekalongan, Jawa TengahKabupaten Pekalongan
PemalangJalan Veteran No 104, Kelurahan Pelutan, Kecamatan Pemalang, Kabupaten Pemalang, Jawa TengahKabupaten Pemalang
PurbalinggaJalan Pujowiyoto Nomor 19C, RT.003 RW. 006, Kelurahan Purbalingga Wetan, Kecamatan Purbalingga, Kabupaten Purbalingga, Provinsi Jawa Tengah.Kabupaten Purbalingga
PurwodadiJalan R Suprapto RT.01 RW.09, Kelurahan Purwodadi, Kecamatan Purwodadi, Kabupaten Grobogan, Provinsi Jawa TengahKabupaten Grobogan
PurwokertoJalan Jenderal Sudirman Timur, RT. 002 RW. 004, Kelurahan Berkoh, Kecamatan Purwokerto Selatan, Kabupaten Banyumas.Kabupaten Banyumas
SalatigaRuko Salatiga Regency Blok F & G, Jalan Fatmawati Nomor 188, Kelurahan Blotongan, Kecamatan Sidorejo, Kota Salatiga, Jawa TengahKota Salatiga
SemarangKomp. Ruko Metro Plaza, Blok C12, 15, 16, Jalan Mataram No. 970, Kelurahan Lamper Kidul, Kecamatan Semarang Selatan, Kota Semarang, Jawa TengahKota Semarang
SoloJalan Gatot Subroto 214, Kelurahan Kratonan,Kecamatan Serengan, Kota Surakarta, Propinsi Jawa Tengah.Kota Surakarta
Alamat KantorOffice Address
Jawa teNgahCeNtral JaVaKantor CabangBranch Offices
BrebesJalan Raya Klampok RT 004/007 Desa Klampok, Kecamatan Wanasari, Kabupaten Brebes, Jawa TengahKabupaten Brebes
CilacapRuko Perintis KAV.5-6 Jalan Perintis Kemerdekaan RT.01 RW.04 Kelurahan Kebonmanis, Kecamatan Cilacap Utara, Kabupaten Cilacap, Jawa TengahKabupaten Cilacap
JeparaJalan Veteran RT.01 RW.02, Kelurahan Kauman, Kecamatan Jepara, Kabupaten Jepara, Jawa TengahKabupaten Jepara
KebumenJalan Pemuda No. 87 RT 001 RW 003, Kelurahan Panjer, Kebumen, Kabupaten Kebumen, Jawa TengahKabupaten Kebumen
KlatenJalan Mayor Kusmanto Plosorejo RT. 03 RW. 05, Kelurahan Sekarsuli, Kecamatan Klaten Utara, Kabupaten Klaten, Provinsi Jawa TengahKabupaten Klaten
KudusJalan R. Agil Kusumadya Nomor 26-28, Kelurahan Jatikulon, Kecamatan Jati, Kabupaten Kudus, Jawa TengahKabupaten Kudus
MagelangJalan Mayjen Bambang Soegeng Ruko Metro Square Blok F7-F8 Kelurahan Mertoyudan, Kecamatan Mertoyudan, Kabupaten Magelang, Jawa TengahKabupaten Magelang
Horizon of GrowtH 131PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
TegalJalan Raya Karanganyar RT 03 / 01, Desa Bandasari, Kecamatan Dukuh Turi, Kota Tegal, Jawa TengahKabupaten Tegal
WonogiriJalan Diponegoro Nomor 47A Jatirejo, Kelurahan Wonoboyo, Kecamatan Wonogiri, Kabupaten WonogiriKabupaten Wonogiri
WonosoboJalan Kyai Muntang Komp. Ruko Muntang No. 3 - 4 Kelurahan Wonosobo Timur, Kecamatan Wonosobo, Kabupaten Wonosobo, Jawa TengahKabupaten Wonosobo
YogyakartaJalan Hayam Wuruk No. 21A, Kelurahan Tegalpanggung, Kecamatan Danurejan, Kota Yogyakarta, DI YogyakartaKota Yogyakarta
KSKC | Non Branch Office
AmbarawaJl. Brigjen Slamet Riyadi No. 16C, RT03/05 Kel. Kupang, Kec. Ambarawa, Kab. Semarang, Jawa TengahKabupaten Semarang
BanjarnegaraJalan Letnan Jenderal Soeprapto No. 25A RT 003 RW 007, Kelurahan Kutabanjarnegara, Kecamatan Banjarnegara, Kabupaten Banjarnegara Kabupaten Banjarnegara
BantulPertokoan Royal Square Kavling 01, Jalan Prof Dr Supomo, Karang, Desa Ringinharjo, Kecamatan Bantul, Kabupaten Bantul, Daerah Istimewa YogyakartaKabupaten Bantul
BloraJl. Gatot Subroto KM 3, RT 004/04, Desa Tamanrejo, Kec. Tunjungan Kab. Blora, Jawa TengahKabupaten Blora
BoyolaliRuko Graha Mandiri No 04, Jl. Perintis Kemerdekaan, Boyolali, Jawa TengahKabupaten Boyolali
BumiayuJl. Diponegoro No. 118 Desa Dukuhturi, Kec. Bumiayu, Kab. Brebes, Jawa TengahKabupaten Brebes
CawasJalan Raya Pedan-Cawas Km 1 Dk. Tegalsari RT.021 RW.09, Desa Keden, Kecamatan Pedan, Kabupaten KlatenKabupaten Klaten
CepuJl. By Pass Nomor 20A, Kelurahan Balun, Kecamatan Cepu, Kabupaten Blora, Jawa Tengah.Kabupaten Blora
Depok-YogyakartaJalan Parasamya Ruko No.2 Beran Lor, Desa Tridadi, Kecamatan Sleman, Kabupaten Sleman, DI YogyakartaKabupaten Sleman
GombongJl. Yos Sudarso 182, Kel. Gombong, Kec. Gombong, Kab. Kebumen, Jawa TengahKabupaten Kebumen
KajenJl. Mandurorejo Dk. Tanjunganom, RT 001 RW 003, Desa Tanjungkulon, Kec.Kajen, Kab. Pekalongan, Provinsi Jawa Tengah.Kabupaten Pekalongan
LimpungRuko Perum Residence, Jl. Raya Sempu, Kec. Limpung, Kab, Batang, Propinsi Jawa TengahKabupaten Batang
MajenangJl. Diponegoro No.51, RT. 001/RW. 002, Desa Sindangsari, Kecamatan Majenang, Kabupaten Cilacap, Provinsi Jawa Tengah.Kabupaten Cilacap
PurworejoJalan Tentara Pelajar RT.003 RW.008, Kelurahan Pangenjurutengah, Kecamatan Purworejo, Kabupaten Purworejo, Jawa TengahKabupaten Purworejo
RandudongkalJl. Jend. Sudirman Timur, Komplek Ruko No. 9 Desa Randudongkal, Kec. Randudongkal, Kab. Pemalang, Jawa TengahKabupaten Pemalang
Jawa timur, Bali & NusateNggaraeast JaVa , Bali & Nusa teNggaraKantor CabangBranch Offices
BanyuwangiJl. Basuki Rachmat No.55 RT 001 RW 002, Lingkungan Singowingnyo, Kelurahan Singotrunan, Kecamatan Banyuwangi, Kabupaten Banyuwangi, Provinsi Jawa TimurKabupaten Banyuwangi
BlitarJalan Ahmad Yani No.39 RT 003/RW 008, Kelurahan Sananwetan, Kecamatan Sananwetan, Kota Blitar, Jawa TimurKota Blitar
SidarejaJl. A. Yani, Ds.Tinggarjaya, Kec. Sidareja, Kab. Cilacap, Jawa TengahKabupaten Cilacap
SragenJl. Raya Sukowati No. 28-C kelurahan Sine, Kecamatan Sragen, Kabupaten Sragen, Propinsi Jawa TengahKabupaten Sragen
TemanggungJl. Jendral Sudirman No.119C Kowangan, Kecamatan Temanggung, Kabupaten Temanggung, Propinsi Jawa TengahKabupaten Temanggung
UngaranJl. Muh Yamin N0. 41 A, Kel. Ungaran, Kec. Ungaran, Kab. Semarang, Jawa TengahKabupaten Semarang
WeleriJl. Raya Utama Timur Weleri Ruko Blok A/1, Kel. Weleri, Kec. Weleri, Kab. Kendal, Jawa TengahKabupaten Kendal
WonosariJalan Baron No.184, Tegalsari, Siraman, Kecamatan Wonosari, Kabupaten Gunung Kidul, Provinsi Daerah Istimewa YogyakartaKabupaten Gunung Kidul
Alamat KantorOffice Address
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH132
Alamat KantorOffice Address
BojonegoroRuko Central Districk Busniess Jalan Veteran 6, RT.33 RW.88, Kelurahan Sukorejo, Kecamatan Bojonegoro, Kabupaten Bojonegoro, Provinsi Jawa TimurKabupaten Bojonegoro
DenpasarJalan Gatot Subroto Timur No. 56 B, Kelurahan Penatih Dangin Timur, Kecamatan Denpasar Timur, Kota Denpasar, BaliKota Denpasar
GentengJalan KH. Wahid Hasyim Nomor 7, Ruko Jinggo VIII, Dusun Kopen RT 009 RW 005, Desa Gentengkulon, Kecamatan Genteng, Kabupaten Banyuwangi, Provinsi Jawa Timur Kabupaten Banyuwangi
GianyarJl. Dharma Giri No. 82, Kel. Bitera, Kec. Gianyar, Kab. Gianyar, BaliKabupaten Gianyar
GresikRuko Green Garden Regency A1 40-41, Desa Dahanrejo, Kecamatan Kebomas, Kabupaten Gresik, Provinsi Jawa Timur.Kabupaten Gresik
JemberJalan Letjen Suprapto Nomor 90, Kelurahan Kebonsari, Kecamatan Sumbersari, Kabupaten Jember, Jawa Timur.Kabupaten Jember
JombangJalan Soekarno-Hatta Nomor 3, Komplek Ruko Cempaka Mas Blok C Nomor 6 dan 7, Kelurahan Kepuhkembeng, Kecamatan Peterongan, Kabupaten Jombang, Jawa TimurKabupaten Jombang
KediriJalan Kapten Tendean Nomor 178 B, Kelurahan Ngronggo, Kecamatan Kediri, Kota Kediri, Jawa TimurKota Kediri
MadiunJalan Dr. Setia Budi No. 51-53, Kelurahan Mojorejo, Kecamatan Taman, Kota Madiun, Provinsi Jawa TimurKota Madiun
MalangJalan Sunandar Priyo Sudarmo 8 C - D, RT.09 RW 13, Kelurahan Purwantoro, Kecamatan Blimbing, Kota Malang, Provinsi Jawa TimurKota Malang
MataramJalan Sriwijaya Nomor39 dan 40, Lingkungan Karang Tapen, Kelurahan Cilinaya, Kecamatan Cakranegara, Kota Mataram, Propinsi Nusa Tenggara BaratKota Mataram
MojokertoJalan Mojopahit Nomor 450, Mojokerto, Kelurahan Kranggan, Kecamatan Prajuritkulon, Kota Mojokerto, Provinsi Jawa Timur
NganjukJalan Gatot Subroto No. 89, RT 01/RW05, Kelurahan Kauman, Kecamatan Nganjuk, Kabupaten Nganjuk, Jawa TimurKabupaten Nganjuk
PasuruanJalan DR. Wahidin Sudiro Husodo No. 05 RT.004/001 Kelurahan Pekuncen, Kecamatan Panggungrejo, Kota Pasuruan, Jawa TimurKota Pasuruan
SidoarjoJL Raya Jenggolo No. 9 Ruko Sentral Jenggolo Blok A1-A2, Kelurahan Pucang, Kecamatan Sidoarjo, Kabupaten Sidoarjo, Jawa TimurKabupaten Sidoarjo
SingarajaJl. Pulau Komodo No. 118 A, Kelurahan Banyuning, Kecamatan Banyuning, Kabupaten Buleleng, Propinsi BaliKabupaten Buleleng
SurabayaRuko Mega Galaxy, Jalan Kertajaya Indah Timur, No 16 B, No.17-18, Surabaya
TabananJl. By Pass (Ir.Soekarno) No. 88A, Kelurahan Banjar Anya, Kecamatan Kediri, Kabupaten Tabanan, BaliKabupaten Tabanan
TubanJalan Basuki Rahmad No. 240, RT.002 RW.06, Kelurahan Ronggomulyo, Kec.Tuban, Kabupaten Tuban, Jawa TimurKabupaten Tuban
Tulung AgungRuko Panglima Sudirman Trade Center Blok C4, Kelurahan Kenayan, Kecamatan Tulungagung, Kabupaten Tulungagung, Jawa TimurKabupaten Tulungagung
KSKC | Non Branch Office
BabatJl. Jombang - Babat RT. 001 RW. 006, Desa Banaran, Kecamatan Babat, Kabupaten Lamongan, Provinsi Jawa Timur.Kabupaten Lamongan
BenowoJJalan Raya Kupang Jaya Nomor 140 RT 014 RW 04, Kelurahan Simomulyo Baru, Kecamatan Sukomanunggal, Kota SurabayaKabupaten Gresik
KepanjenJalan Panglima Sudirman RT 005 RW 002, Desa Ngadilangkung, Kecamatan Kepanjen, Kabupaten Malang, Jawa TimurKabupaten Malang
KertosonoJl. Gatot Subroto No.125, Desa Kutorejo, Kecamatan Kertosono, Kabupaten Nganjuk, Jawa TimurKabupaten Nganjuk
KrianRuko Mandiri Residence Blok A1-15, Desa Jeruk Gamping, Kecamatan Krian, Kabupaten Sidoarjo, Jawa TimurKabupaten Sidoarjo
LamonganRuko Permata No.24 Sidokumpul, Jl. Panglima Sudirman, Kel. Sidokumpul, Kec. Lamongan, Kab. Lamongan, Jawa TimurKabupaten Lamongan
MagetanJalan Manggis RT 011 RW 001, Kelurahan Kapolorejo, Kecamatan Magetan, Kabupaten Magetan, Jawa Timur. Kabupaten Magetan
Horizon of GrowtH 133PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Alamat KantorOffice Address
MojosariJL. Gajah Mada No. 5 Blok-14, RT.06/RW.03, Ruko Royal, Ds.Seduri, Kec. Mojosari, Kab. Mojokerto, Jawa TimurKabupaten Mojokerto
NarmadaDesa Lembuak, Kecamatan Narmada, Kabupaten Lombok BaratKabupaten Lombok Barat
NgawiJl. PB Sudirman No.59 RT.09/02 Kel. Margomulyo, Kec. Ngawi, Kab. Ngawi, Jawa TimurKabupaten Ngawi
PonorogoRuko Asem Buntung, Jl. Raya MT Haryono, Kel. Mangkujayan, Kec. Ponorogo, Kab. Ponorogo, Jawa TimurKabupaten Ponorogo
RogojampiJalan Raya Rogojampi - Srono Dusun Banje RT. 03 RW. 01 Desa Bubuk, Kecamatan Rogojampi, Kabupaten BanyuwangiKabupaten Banyuwangi
RungkutRungkut Kidul Industri 1D RT.001 RW.006, Kelurahan Rungkut Kidul, Kecamatan Rungkut, Kota SurabayaKota Surabaya
SutojayanLink. Brubuh RT.003 RW.002 Kelurahan Kalipang, Kecamatan Sutojayan, Kabupaten BlitarKabupaten Blitar
WaruKomplek Ruko Gateway Blok F17-18, Jalan Raya Sawotratap, Desa Sawotratap, Kecamatan Gedangan, Kabupaten SidoarjoKabupaten Sidoarjo
WiyungJl. Menganti No.514 Kelurahan Babatan, Kecamatan Wiyung, SurabayaKota Surabaya
sumatera BagiaN utaraNOrterN sumateraKantor CabangBranch Offices
Air MolekJalan Jend. Sudirman RT. 001 RW.001 Lingkungan II Kelurahan Kembang Harum Kecamatan Pasir Penyu Kabupaten Indragiri Hulu.Kabupaten Indragiri Hulu
Bagan BatuJalan Jend. Sudirman No. 004 RT.06 RW.01, Kelurahan Bagan Batu Kota, Kecamatan Bagan Sinembah, Kabupaten Rokan HilirKabupaten Rokan Hilir
BatamJalan Laksamana Bintan Komp.Bintang Mas Blok D Nomor 2 dan 3 Sungai Panas Batam Center, Kelurahan Bukit Jodoh, Kecamatan Batu Ampar, Kota Batam, Provinsi Kepulauan RiauKota Batam
BinjaiJalan Soekarno Hatta Nomor 4/6, Kelurahan Timbang Langkat, Kecamatan Binjai Timur, Kota Binjai, Provinsi Sumatra UtaraKota Binjai
DumaiJl.Sultan Hasanuddin (Jl.Ombak) RT.23, Kelurahan Rimba Sekampung, Kecamatan Dumai Barat, Kota Dumai, RiauKota Dumai
DuriJalan Hangtuah, Kelurahan Babussalam, Kecamatan Mandau, Kabupaten Bengkalis, Provinsi Riau Kabupaten Bengkalis
KerinciJalan Maharaja Indra RT.05 RW.06, Kelurahan Pangkalan Kerinci Kota, Kecamatan Pangkalan Kerinci, Kabupaten Pelalawan, Provinsi RiauKabupaten Pelalawan
Lubuk PakamJalan Ahmad Yani No. 88 NN dan 88 OO, Kelurahan Paluh Kemiri, Kecamatan Lubuk Pakam, Kabupaten Deli Serdang, Sumatera Utara.Kabupaten Deli Serdang
MedanJalan Gaharu No. 1- E dan F (Simpang Jalan Mahoni) Lingkungan XII, Kelurahan Gaharu, Kecamatan Medan Timur, Kota Medan, Sumatera UtaraKota Medan
Medan IIJalan Ringroad, Kelurahan Asam Kumbang, Kecamatan Medan Selayang, Kota MedanKota Medan
PadangJalan Dr. Sutomo Nomor 48A dan 48B, Kelurahan Kubu Marapalam, Kecamatan Padang Timur, Kota Padang, Provinsi Sumatera BaratKota Padang
Padang SidempuanJalan Diponegoro Nomor 51, Kelurahan Wek-II, Kecamatan Padangsidimpuan Utara, Kota Padangsidimpuan, Sumatera UtaraKabupaten Tapanuli Selatan
Pekan BaruJalan Tuanku Tambusai No. 790 A-B Kelurahan Labuh Baru Timur, Kecamatan Payung Sekaki, Kota Pekanbaru, RiauKota Pekan Baru
PerawangJalan Raya KM.7, RT.16 RW.06, Kelurahan Perawang, Kecamatan Tualang, Kabupaten Siak, Propinsi Riau.Kabupaten Siak
Rantau PrapatJalan Sisimangaraja No.142 A-B, Lingkungan Aek Tapa A, Kelurahan Bakaran Batu, Kecamatan Rantau Selatan, Kabupaten Labuhanbatu, Provinsi Sumatera Utara.Kabupaten Labuhan Batu
StabatJalan Sudirman Link III Karya, Kelurahan Kwala Bingai, Kecamatan Stabat, Kabupaten Langkat, Provinsi Sumatera UtaraKabupaten Langkat
Tanjung PinangJalan D.I Panjaitan, Kilometer 9, Kelurahan Air Raja, Kecamatan Tanjungpinang Timur, Kota Tanjungpinang, Propinsi Kepulauan RiauKota Tanjung Pinang
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH134
Tebing TinggiJalan Jendral Sudirman No.A5 (Komplek Grand Sudirman), Kelurahan Sri Padang, Kecamatan Rambutan, Kota Tebing Tinggi, Provinsi Sumatera UtaraKota Tebing Tinggi
KSKC | Non Branch Office
Batu AjiKomplek Ruko Taman Pesona Indah Blok B No.08, Kelurahan Tanjung Ucang, Kecamatan Batu Aji, Kota Batam, Provinsi Kepulauan RiauKota Batam
KandisJl. Lintas Pekan Baru – Duri Simpang Belutu, Kel. Telaga Samsam, Kec. Kandis, Kab.Siak, RiauKabupaten Siak
Pangkalan BrandanJl. Besitang, Kel. Alur Dua, Kec. Sei Lepan, Kab. Langkat, Sumatera UtaraKabupaten Langkat
TembungJl. Raya Tembung No. 10 Ds. Bandar Kalipa, Kec. Percut Sei Tuan, Kab. Deli Serdang, Sumatera UtaraKabupaten Deli Serdang
Ujung TanjungGedung PT Graha OTO, Jl. Lintas Ujung Tanjung, Simpang BenarKabupaten Rokan Hilir
Alamat KantorOffice Address
sumatera BagiaN selataNsOutherN sumateraKantor CabangBranch Offices
Arga MakmurJalan Jendral Sudirman Nomor 239A, RT 04, Kelurahan Gunung Alam, Kecamatan Kota Argamakmur, Kabupaten Bengkulu UtaraKabupaten Bengkulu Utara
BaturajaJalan Dr. Moh. Hatta Lintas Sumatera, Kelurahan Air Paoh Sukaraya, Kecamatan Baturaja Timur, Kabupaten Ogan Komering Ulu, Provinsi Sumatera SelatanKabupaten Ogan Komering Ulu
BengkuluJalan Hibrida Raya Kav.17-18 No.43, RT.07 RW.02, Kelurahan Sidomulyo, Kecamatan Gading Cempaka, Kota Bengkulu, Propinsi Bengkulu.Kota Bengkulu
BetungJalan Palembang Betung LK.III RT. 027 RW 006, Desa/Kelurahan Rimba Asam, Kecamatan Betung, Kabupaten Banyuasin, Provinsi Sumatera SelatanKabupaten Banyuasin
JambiJalan Jenderal Sudirman No. 11-13, Kelurahan Tambak Sari, Kecamtan Jambi Selatan, Kota Jambi, Provinsi JambiKota Jambi
Kayu AgungJalan Pahlawan LK.VIII RT.08 Nomor 131, Kelurahan Jua-Jua, Kecamatan Kayu Agung, Kabupaten Ogan Komering Ilir, Sumatera Selatan Kabupaten Ogan Komering Ilir
LahatJalan Lintas Sumatera, Desa Manggul, Kecamatan Lahat, Kabupaten Lahat, Provinsi Sumatera SelatanKabupaten Lahat
LampungJl Husni Thamrin No 84, Kelurahan Gotong Royong, Kecamatan Tanjung Karang Pusat, Bandar LampungKota Bandar Lampung
Lubuk LinggauJalan Yos Sudarso No. 100 RT 6 Kel.Batu Urip Taba, Kecamatan Lubuklinggau Timur I, Kotamadya Lubuklinggau, Sumatera SelatanKota Lubuk Linggau
MetroJalan Jendral A. Yani Nomor 84, RT 005 RW 003, Kelurahan Iringmulyo, Kecamatan Metro Timur, Kota Metro, Provinsi LampungKota Metro
PalembangJalan Angkatan 45, RT 015/RW 04, Kelurahan Demang Lebar Daun, Kecamatan Ilir Barat I, Kota Palembang, Provinsi Sumatera Selatan.Kota Palembang
PangkalpinangJl. Jend Sudirman RT.001 RW.001, Kelurahan Gabek Dua, Kecamatan Gabek, Kota Pangkalpinang, Provinsi Bangka BelitungKota Pangkalpinang
PrabumulihJalan Padat Karya RT.05/01 Kelurahan Gunung Ibul, Kecamatan Prabumulih Timur, Kota Prabumulih, Sumatera SelatanKota Prabumulih
TembesiJalan Jambi-Muara Tembesi RT 12 RW 02, Kelurahan Kampung Baru, Kecamatan Muara Tembesi, Kabupaten Batang Hari, Jambi.Kabupaten Batang Hari
Tugu MulyoJalan Lintas Timur KM 135, Desa Tugu Mulyo, Kecamatan Lempuing, Kabupaten Ogan Komering Ilir, Sumatera SelatanKabupaten Ogan Komering Ilir
KSKC | Non Branch Office
Alang-Alang LebarJalan Palembang Betung KM.13 RT.01 RW.01 Kelurahan Tanah Mas, Kecamatan Talang Kelapa, Kabupaten Banyuasin, Provinsi Sumatera SelatanKabupaten Banyuasin
IndralayaJalan Komplek TPI LK V, Kelurahan Indralaya Mulya, Kecamatan Indralaya, Kabupaten Ogan IlirKabupaten Ogan Ilir
Kuala Tungkal Jl. Prof. Dr. Srisudewi Kel. Tungkal Harapan, Kec. Tungkal Ilir, Kab. Tanjung Jabung, JambiKabupaten Tanjung Jabung Barat
Muara EnimJl. Cut Nyak Dien, RT 01 RW 02, Kel. Tungkal, Kec. Muara Enim, Kab. Muara Enim, Sumatera SelatanKabupaten Muara Enim
Sei LilinJl. Palembang-Jambi RT 017/004, Kelurahan Sungai Lilin, Kecamatan Sungai Lilin, Kabupaten Musi Banyuasin, Sumatera SelatanKabupaten Musi Banyuasin
Horizon of GrowtH 135PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial STATeM
enTS 2019
PRofIL PeRU
SAH
AA
nC
ompany Profile
Alamat KantorOffice Address
KalimaNtaN & sulawesiKantor CabangBranch Offices
BalikpapanJl. MT. Haryono RT.11, Kelurahan Damai Baru, Kecamatan Balikpapan Selatan, Kota BalikpapanKota Balikpapan
BanjarbaruJalan Jendral Ahmad Yani, Kelurahan Loktabat Utara, Kecamatan Banjarbaru Utara, Kota Banjarbaru, Provinsi Kalimantan SelatanKota Banjarbaru
BanjarmasinJalan Gatot Subroto No 17 J, Kelurahan Kuripan, Kecamatan Banjarmasin Timur, Kota BanjarmasinKota Banjarmasin
BerauJalan H. Isa 2 RT.16, Kelurahan Tanjung Redeb, Kecamatan Tanjung Redeb, Kabupaten Berau, Kalimantan TimurKabupaten Berau
BontangJl. R Soeprapto No.18 RT.16, Kelurahan Bontang Baru, Kecamatan Bontang Utara, Kota BontangKota Bontang
BulukumbaRuko Jalan Matahari No.6, Kelurahan Caile, Kecamatan Ujung Bulu, Kabupaten Bulukumba, Provinsi Sulawesi Selatan.Kabupaten Bulukumba
GorontaloJalan Prof.DR.HB. Jassin Eks Agus Salim, Kelurahan Libuo, Kecamatan Dungingi, Kota Gorontalo, Provinsi GorontaloKota Gorontalo
MakassarJalan A.P Pettarani No. 18 F, Kelurahan Tamamaung, Kecamatan Panakkukang, Kota Makassar, Provinsi Sulawesi SelatanKota Makassar
PalopoJl. Jendral Sudirman No. 184 D, Kel. Binturu, Kec. Wara Selatan, Kota Palopo, Sulawesi Selatan. Kota Palopo
PaluJalan Emmy Saelan No. 53F, Kelurahan Tatura Utara, Kecamatan Palu Selatan, Kota Palu, Sulawesi TengahKota Palu
Pare-PareJalan Bau Maseppe, Kelurahan Labukkang, Kecamatan Ujung, Kota Pare-Pare, Sulawesi SelatanKota Pare-Pare
SamarindaJalan KH. Siradj Salman RT 52, Kelurahan Air Putih, Kecamatan Samarinda Ulu, Kota Samarinda, Provinsi Kalimantan TimurKota Samarinda
TenggarongJalan Kh. Akhmad Muksin, Rukun Tetangga 01, Kelurahan Timbau, Kecamatan Tenggarong, Kabupaten Kutai Kartanegara, Provinsi Kalimantan Timur.Kabupaten Kutai Kartanegara
KSKC | Non Branch Office
GowaJl. Tumanurung No. 1 B Kel.Pandang-Pandang, Kecamatan Somba Opu, Kabupaten GowaKabupaten Gowa
MarosJl. Jend Sudirman (Poros Makassar maros) No.63 Kel.Pettuadae, Kec. Turikali Kabupaten MarosKabupaten Maros
PangkepJl. Andi Mappe - Bonto Gelang, Kelurahan Samalewa, Kecamatan Bungoro, Kabupaten Pangkep, Provinsi Sulawesi Selatan Kabupaten Pangkajene Kepulauan
PinrangJl. Jenderal Sudirman Kel. Sawwito Kec. Watang Sawitto, Kab. PinrangKabupaten Pinrang
Analisis danPembahasan ManajemenManagement Discussion and Analysis
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH142
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
TINJAUAN EKONOMI DAN INDUSTRI
Tinjauan Perekonomian GlobalPerekonomian global pada tahun 2019 mengalami perlambatan. Hal ini tercermin dari melemahnya aktivitas manufaktur dan perdagangan yang rendah sebagai dampak dari perselisihan perdagangan yang berkepanjangan antara Amerika Serikat dan Tiongkok. Kawasan Uni Eropa juga mengalami perlambatan karena rendahnya realisasi pertumbuhan ekonomi di negara-negara utama seperti Jerman.
Meski demikian di akhir tahun muncul tren positif yang berasal dari kesepakatan fase pertama perang dagang AS-Tiongkok dan keberhasilan kelompok konservatif dalam pemilu Inggris. Selain itu, berlanjutnya kebijakan pro pertumbuhan atau dovish oleh beberapa bank sentral negara maju terus menjaga likuiditas global dan penguatan pasar keuangan global.
Selain itu, Bank Sentral AS The Fed memangkas suku bunga acuan hingga tiga kali, sementara European Central Bank (ECB) memangkas suku bunga yang sudah di teritori negatif. Dampaknya, pasar saham secara global dilimpahi dana yang membuat nilai kapitalisasi pasar seluruh dunia meningkat dibanding tahun sebelumnya. Kenaikan dana yang masuk ke pasar modal itu didominasi oleh pasar saham AS.
Tinjauan Perekonomian Nasional Perekonomian Indonesia tumbuh moderat di tengah perlambatan ekonomi dunia yang mampu mencapai 5,0% per akhir tahun 2019, sedikit menurun dibandingkan pertumbuhan tahun 2018 yang sebesar 5,2%.
ECONOMY AND INDUSTRY OVERVIEW
Global Economy OverviewThe sluggish global economy in 2019 was reflected from the weakening of manufacturing activities and lower trade transaction impacted by the prolong trade wars between the United States and China. The European zones also experienced sluggish growth impacted by lower realization of economic growth in major countries such as Germany.
Positive trend was noted though by the end of the year which derived from the first phase of deal between the US-China trade wars, as well as the success of conservative party in the UK’s election. Moreover, continued policy on pro-growth or dovish by several world central banks abled to maintain global liquidity and strengthened global money market.
The Fed of US Bank Central cut as much as three times of its reference interest rate also brought about the impact, while European Central Bank (ECB) has cut the interest rate that are already in negative-territory. Eventually, the global stock market was overflowed with funds, which has increased the global market cap values compared to previous year. The inflows of funds in the capital market was dominated by the US stock market.
National Economy OverviewDespite the sluggish growth of global economy, Indonesia recorded moderate growth of economy that able to reach 5.0% at the end of 2019, slightly decreased from 5.2% at the end of 2018.
Horizon of GrowtH 143PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Analisis dan Pembahasan ManajemenManagement Discussion And Analysis
Pertumbuhan perekonomian ditopang sektor konsumsi, investasi dan belanja Pemerintah. Dari sisi perdagangan meski menghadapi tekanan perlambatan global ekspor masih bisa tumbuh tipis sebesar 1,3% menjadi USD14,47 miliar. Peningkatan ekspor dan menurunnya impor menyebabkan defisit transaksi berjalan semakin mengecil menjadi USD0,03 miliar dibanding tahun sebelumnya USD1,07 miliar.
Inflasi relatif terjaga di level 2,7% dengan cadangan devisa yang meningkat. Tercatat, cadangan devisa pada akhir Desember 2019 sebesar USD129,2 miliar yang ditopang dari peningkatan penerimaan devisa migas, penarikan pinjaman luar negeri Pemerintah dan penerimaan valas lainnya. Pergerakan nilai tukar rupiah terhadap Dollar AS juga relatif stabil dibanding tahun sebelumnya.
Sampai dengan akhir 2019, pasar Surat Berharga Negara (SBN) mengalami penguatan dengan yield turun sebesar 94,2 bps dibandingkkan tahun sebelumnya disertai dengan aliran investor non-residen ke pasar SBN tercatat Rp171,0 triliun. Sementara itu, pasar saham menguat sebesar 4,5% dibandingkkan bulan sebelumnya atau 1,5% dibandingkan tahun sebelumnya menjadi 6.284,4. Penguatan ini ditopang oleh aliran masuk investor non-residen.
PROYEKSI TAHUN 2020Meredanya ketegangan hubungan dagang AS dan Tiongkok pada akhir tahun 2019 membuat perekonomian pada tahun 2020 diprediksi lebih stabil. Bank Dunia dalam Laporan “Prospek Ekonomi Global” memprediksi pertumbuhan ekonomi pada tahun 2020 akan lebih baik dibanding tahun sebelumnya, seiring dengan pemulihan secara bertahap dari perdagangan dan investasi. Laporan itu juga menyebut, pemulihan ekonomi global tergantung dari kecepatan pasar negara berkembang untuk meningkat dari perlambatan di tahun sebelumnya.
The trend of economic growth was bolstered by consumer sector, investment and government spending. On the trade side, despite experiencing pressures from a global slowdown, exports remain able to slightly grow by 1.3% to USD14.47 billion. The increase in exports and decrease in imports lowered the current account deficit to USD0.03 billion compared to the previous year of USD1.07 billion.
Inflation was relatively maintained at 2.7% with increased foreign exchange reserves. The foreign exchange reserves at the end of December 2019 was USD129.2 billion, which was bolstered by an increase in foreign exchange income from oil and gas, withdrawal of Government foreign loans and other foreign exchange income. The rupiah exchange rate against the US Dollar was also relatively stable compared to previous year.
By the end of 2019, the Government Securities Market (SBN) had strengthened with yields decreased by 94.2 bps compared to the previous year accompanied by a flow of non-resident investors to the SBN market at Rp171.0 trillion. Meanwhile, the stock market gained 4.5% compared to the previous month or 1.5% compared to the previous year to 6,284.4. This strengthening was supported by inflows of non-resident investors.
2020 PROJECTIONThe economy in 2020 is predicted to be more stable impacted by improved tensions of the US and China trade relations at the end of 2019. The World Bank in the "Global Economic Prospects" report forecast an improve of economic growth in 2020 than previous year, aligned with a gradual recovery from trade and investment. The report also mentions, the global economic recovery will be depending on the speed for improvements of developing countries from the sluggish growth of previous year.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH144
Pemerintah Indonesia telah menetapkan target pertumbuhan ekonomi pada 2020 sebesar 5,3%. Perekonomian akan ditopang oleh peningkatan tenaga kerja, ekspansi bantuan sosial dan penurunan suku bunga yang akan memacu pertumbuhan konsumsi domestik.
Investasi diproyeksikan akan kembali tumbuh setelah berakhirnya tahun politik, berlanjutnya proyek infrastruktur serta kondisi finansial yang suportif. Selain itu, berlakunya Undang-Undang Omnibus Law juga diprediksi akan meningkatkan investasi asing langsung di pasar domestik.
Dari sisi konsumsi diperkirakan tetap terjaga stabil seperti tahun sebelumnya. Sementara perdagangan sangat tergantung dari perkembangan ekonomi di negara-negara mitra dagang utama seperti Tiongkok.
TINJAUAN INDUSTRI
Tinjauan Industri PembiayaanPerkembangan industri pembiayaan dapat dinilai dari beberapa indikator antara lain produktivitas, profitabilitas, permodalan dan kualitas pembiayaan. Secara umum, industri pembiayaan di tahun 2019 cenderung stagnan. Data Otoritas Jasa Keuangan (OJK) per November 2019, menyebutkan bahwa realisasi penyaluran pembiayaan di industri pembiayaan sebesar Rp453 triliun, sedikit naik 4,5% dari periode sama di tahun 2018 sebesar Rp434 triliun.
Produktivitas tercermin dari rasio pembiayaan terhadap aset sebesar 87,7%, meningkat dibanding tahun 2018 yaitu 86,4%. Industri juga membukukan profitabilitas yang lebih baik seperti tercermin dari naiknya imbal hasil atas aset menjadi 4,7% di tahun 2019 dibanding 4,3% di tahun 2018.
Kinerja Industri Pembiayaan 2017-2019 | Financing Industry Performance 2017-2019
Indikator 2019 (Des)
2018 2017 Indicators
Rasio Pembiayaan terhadap Aset 87,7% 86,4% 87% Financing to Assets Ratio
Rasio Pinjaman terhadap Modal Sendiri 2,6 3 3 Loan to Equity Ratio
Modal Sendiri-Modal Disetor 277,2% 276,7% 272,0% Own Equity-Paid-up Capital
Pembiayaan bermasalah 2,5% 2,7% 2,7% Non-Performing Financing
Imbal Hasil atas Aset 4,7% 4,3% 4,0% Return on Assets
The Indonesian government has set a target of economic growth of 5.3% in 2020. The economy will be bolstered by increased employment expansion of social assistance, and lower interest rates that will spur growth in domestic consumption.
Investment is projected to again record growth following the completion of political year, infrastructure projects continue and supportive financial conditions. Moreover, the enactment of Omnibus Law is also predicted to increase foreign direct investment in domestic market.
On consumption, as in previous year it is estimated to remain stable. While trade is highly dependent on economic development in major trading partner countries such as China.
INDUSTRY OVERVIEW
Financing Industry OverviewThe financing industry development can be assessed from several indicators including productivity, profitability, capital and financing quality. In general, the financing industry in 2019 tends to be stagnant. Data from the Financial Services Authority (OJK) as of November 2019, stated that the realization of lending in financing industry was Rp453 trillion, sllightly rose by 4.5% from the same period in 2018 of Rp434 trillion.
Productivity is reflected in financing to assets ratio of 87.7%, an increase compared to 86.4% in 2018. The industry also posted better profitability as reflected in the increase of return on assets by 4.7% in 2019 compared to 4.3% in 2018.
Analisis dan Pembahasan ManajemenManagement Discussion And Analysis
Horizon of GrowtH 145PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja Industri Pembiayaan 2017-2019 | Financing Industry Performance 2017-2019
Indikator 2019 (Des)
2018 2017 Indicators
Imbal Hasil atas Ekuitas 14,3% 13,8% 12,3% Return on Equity
Rasio Kecukupan Modal 1% 1,0% 0,1% Capital Adequacy Ratio
Biaya Operasional Atas Pendapatan Operasional 79,0% 80,7% 81,5% Operating Expenses to Operating Income
Tinjauan Industri Pembiayaan Sepeda Motor
Produktivitas industri pembiayaan salah satunya ditopang dari penjualan kendaraan bermotor roda dua. Data Asosiasi Industri Sepeda Motor Indonesia (AISI) tahun 2019 tercatat distribusi kendaraan bermotor roda dua sebanyak 6,5 juta unit, atau mencapai target penjualan sebanyak 6,4 juta unit. Jumlah penjualan itu relatif stabil dengan penjualan di tahun 2018.
Penjualan Sepeda Motor (Unit)
2017 2018
6,487,460
6,383,108
5,886,103
2019 (Nov)
Sepanjang tahun 2019, suku bunga acuan menunjukkan tren penurunan dan ditutup di level 5%. Hal ini berdampak terhadap industri pembiayaan terutama yang usahanya bergerak di penyaluran kredit kendaraan bermotor.
Motorcycle Financing Industry Overview
Financing industry productivity is among others fostered by the sale of two-wheel motor vehicles. Data from the Indonesian Motorcycle Industry Association (AISI) in 2019 recorded a total distribution of two-wheel motor vehicles at 6,5 million units, or nearly reaching the sales target of 6.4 million units. The total sales was relatively stable compared to 2018 sales.
Throughout 2019, the reference interest rate indicated a downward trend and closed at 5%. This has impacted the financing industry, particularly those engaged in motor vehicles financing.
Analisis dan Pembahasan ManajemenManagement Discussion And Analysis
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH146
Dalam menjalankan usahanya, Perseroan memiliki dua lini bisnis utama yaitu Pembiayaan Multiguna Barang dan Pembiayaan Multiguna Jasa.
The Company’s business is operated through two main business segments, Multipurpose Financing of Goods and Multipurpose Financing Services.
Tinjauan Operasional Per Segmen UsahaBusiness Segment Operations Overview
Strategi BisnisPada tahun 2019, Perseroan telah menginisasi dan menyelesaikan beberapa proyek untuk pengembangan Teknologi Informasi seperti implementasi pembaharuan core system secara menyeluruh di semua kantor jaringan, implementasi pemanfaatan data kependudukan dan KTP elektronik bekerja sama dengan Direktorat Jenderal Kependudukan dan Pencatatan Sipil Kementerian Dalam Negeri dan beberapa aplikasi lain untuk mendukung pertumbuhan bisnis.
Perseroan juga terus mengembangkan sumber daya manusia yang andal dan berkualitas untuk mendukung pertumbuhan bisnis. Oleh karenanya, Perseroan terus mempertahankan dan mengembangkan karyawan-karyawan terbaiknya.
Perseroan juga menerbitkan Obligasi Berkelanjutan III Tahap II dan mengajukan fasilitas pinjaman dari perbankan untuk menunjang kegiatan pembiayaan Perseroan.
Business StrategyThe Company has initiated and completed Information Technology development projects in 2019, this includes updating the overall core system in all office networks, utilizing the population data and e-ID card collaborating with the Directorate General Population and Civil Registry of Ministry of Home Affairs and other applications to foster business development.
Enhancement of human resources development was carried out to create reliable and qualified employee to bolster business growth. As such, the Company continues maintaining and enhancing the best talents in the Company.
The Company also issued Shelf Bonds III Phase II and has proposed bank loans facility to support the Company’s financing activities.
Horizon of GrowtH 147PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Tinjauan OperasionalOperational Review
PEMBIAYAAN KONSUMENCONSUMER FINANCING
Pembiayaan konsumen terbagi dalam dua jenis, yakni Pembiayaan Konvensional dan Pembiayaan Syariah. Pembiayaan Konvensional terdiri dari pembiayaan motor baru, motor bekas dan pembiayaan multiguna jasa (MotorKu dan MobilKu). Perkembangan pembiayaan Konvensional dan Syariah di tahun 2019 adalah sebagai berikut:
Jenis Pembiayaan2019 2018 Pertumbuhan
Growth (%) Financing TypesUnit % Unit %
Konvensional 343.689 96,8 429.765 90,9 (20,0) Conventional
Syariah 11.406 3,2 43.089 9,1 (73,5) Sharia
Total 355.095 100,0 472.854 100 (24,9) Total
Sepanjang 2019, Perusahaan mengalami penurunan pertumbuhan pembiayaan konsumen sebesar 24,9%. Pembiayaan konvensional dan syariah menurun dibandingkan tahun sebelumnya.
Consumer Financing consists of two facilities, which are Conventional Financing and Sharia Financing. Conventional Financing provides lending for new motorcycle, used motorcycle and multipurpose service financing (MotorKu and MobilKu). The progress of these financings in 2019 is as follows:
Throughout 2019, the Company decreased consumer financing growth by 24.9%. The conventional and sharia financing declined compared to the previous year.
profil peru
sah
aa
nC
ompany Profile
an
alisis &
pemb
ah
asa
n m
an
ajem
enM
anagement’s D
iscussion & A
nalysis
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH148
Uraian 2019 2018 PertumbuhanGrowth (%) Description
Motor Baru 142.089 222.488 (36,14) New Motorcycle
Motor Bekas 16.968 29.834 (43,1) Used Motorcycle
Multiguna Jasa MotorKu 174.027 203.163 (14,3) Multipurpose Service MotorKu
Multiguna Jasa MobilKu 22.011 17.369 26,7 Multipurpose Service MobilKu
Total 355.095 472.854 (24,90) Total
Pembiayaan Konsumen Consumer Financing
(Dalam Rp juta | In Rp million)
Pembiayaan 2019 2018 PertumbuhanGrowth (%) Financing
Motor Baru 2.702.397 3.948.537 (31,5) New Motorcycle
Motor Bekas 177.692 300.886 (40,9) Used Motorcycle
Multiguna Jasa MotorKu 1.410.282 1.567.924 (10,1) Multipurpose Service MotorKu
Multiguna Jasa MobilKu 1.500.292 1.165.304 28,8 Multipurpose Service MobilKu
Total 5.790.663 6.982.651 (17,1) Total
PEMBIAYAAN SEPEDA MOTOR BARU Perseroan mengalami penurunan unit pembiayaan sepeda motor baru dari 222 ribu unit di tahun 2018 menjadi 142 ribu unit di tahun 2019 seiring dengan masih terjaganya permintaan dari konsumen. Berikut rincian kinerja pembiayaan sepeda motor baru:
(Dalam Rp juta | In Rp million)
Pembiayaan 2019 2018 PertumbuhanGrowth (%) Financing
Unit 142.089 222.488 (36,14) Units
Nilai Pembiayaan 2.702.397 3.948.537 (31,6) Financing Value
Rata-rata Nilai Pembiayaan Per Unit 19,0 17,8 7,2 Average Value of Financing Per Unit
Kinerja Pembiayaan Sepeda Motor BaruNilai pembiayaan sepeda motor baru menurun pada tahun 2019 dibanding tahun sebelumnya. Tercatat pada tahun 2019 sebesar Rp 2,70 triliun, turun 31,6% dibanding tahun 2018. Perseroan fokus pada implementasi New Core System untuk menjaga pertumbuhan usaha yang sehat dan stabil.
Kualitas PembiayaanImplementasi mobile survey dan mobile collection membantu Perseroan untuk meningkatkan pengetahuan tentang calon debitur semakin baik.
NEW MOTORCYCLE FINANCINGIn coherent with maintained demand from the customers, the Company was experience decrease in the unit of new motorcycle financing from 222 thousand in 2018 to 142 thousand units in 2019. The details are as follows:
New Motorcycle Financing PerformanceThe value of new motorcycle financing decreased in 2019 compared to previous year, which was recorded at Rp 2.70 trillion, decreased by 31.6% compared to 2018. The Company focused on core system implementation to maintain sound and long-standing business growth.
Financing QualityThe implementation of mobile survey and mobile collection has enhanced the Company knowledge on prospective borrowers.
Tinjauan OperasionalOperational Review
Horizon of GrowtH 149PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
ProfitabilitasPerseroan telah melakukan pembagian segmentasi TAC (Total Acquisition Cost) berdasarkan tipe sepeda motor dan dealer. Dealer yang memberikan kontribusi portofolio dengan risiko kredit yang baik, akan mendapatkan insentif yang lebih tinggi dibandingkan dengan dealer lainnya.
PEMBIAYAAN SEPEDA MOTOR BEKASPermintaan pembiayaan sepeda motor bekas mengalami penurunan. Sepanjang tahun 2019, jumlah unit pembiayaan motor bekas turun menjadi 43,1% dibanding tahun sebelumnya.
(Dalam Rp jutaan | in Rp million)
Sepeda Motor Bekas 2019 2018 PertumbuhanGrowth (%) Used Motorcycle
Unit 16.968 29.834 (43,1) Units
Nilai Pembiayaan 177.692 300.886 (40,94) Financing Value
Rata-rata Nilai Pembiayaan Per Unit10,5 10,1 3,8
Average Value of Financing Per Unit
Kinerja Segmen Sepeda Motor BekasPada tahun 2019, Perseroan hanya menjual 17 ribu unit pembiayaan sepeda motor bekas turun dibanding tahun 2018 sebesar 29 ribu unit pembiayaan sepeda motor bekas.
Kualitas PembiayaanImplementasi mobile survey dan mobile collection membantu Perseroan untuk meningkatkan pengetahuan tentang calon debitur semakin baik.
ProfitabilitasSecara umum, marjin keuntungan pembiayaan sepeda motor bekas diketahui masih lebih tinggi daripada pembiayaan motor baru.
ProfitabilityThe Company has implemented TAC (Total Acquisition Cost) segmentation based on motorcyle types and dealers. Dealers with good credit risk portfolio contribution will obtain higher incentives compared to other dealers.
USED MOTORCYCLE FINANCINGThe demand of used motorcycle financing decreased. Trought 2019, total unit of used motorcycle financing decreased to 43.1% rather than previous year.
Used Motorcycle Financing PerformanceIn 2019, the Company decreased the unit of used motorcycle financing by 17 thousand units compared to 29 thousand units in 2018.
Financing QualityThe implementation of mobile survey and mobile collection has enhanced the Company knowledge on prospective borrowers.
ProfitabilityThe profit margin of used motorcyle is generally remained higher than new motorcycle financing.
Tinjauan OperasionalOperational Review
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH150
PEMBIAYAAN SYARIAHSHARIA FINANCING
Pada akhir tahun 2019, Perseroan memiliki 186 kantor jaringan yang terdiri dari 120 Kantor Cabang (KC) dan 66 Kantor Selain Kantor Cabang (KSKC). Sebanyak 109 Kantor Cabang telah memiliki izin memasarkan produk pembiayaan syariah.
Pembiayaan2019 2018 Pertumbuhan
Growth (%) FinancingUnit % Unit %
Pembiayaan Syariah 11.406 3,2 43.089 9,1 (73,5) Sharia Financing
Kinerja Pembiayaan SyariahSelama tahun 2019, pembiayaan syariah mengalami tekanan sehingga penjualan pembiayaan turun sebesar 73,5% dari 43 ribu unit di tahun 2018 menjadi 11 ribu unit di tahun 2019.
Kualitas PembiayaanRasio angka pembiayaan bermasalah (NPF) di segmen pembiayaan syariah masih terkendali karena pengelolaan risiko yang baik.
ProfitabilitasMarjin keuntungan pembiayaan syariah dipengaruhi oleh berbagai faktor antara lain pergerakan suku bunga acuan dan sistem bagi hasil yang diterapkan.
PEMBIAYAAN MULTIGUNA JASAMULTIPURPOSE SERVICES FINANCING
Produk pembiayaan multiguna jasa merupakan produk yang populer di industri pembiayaan karena sifatnya yang fleksibel dan menjanjikan marjin keuntungan yang lebih tinggi. Perseroan memiliki produk pembiayaan multiguna jasa untuk memenuhi kebutuhan pembiayaan masyarakat. Perkembangan segmen pembiayaan multiguna jasa sebagai berikut:
By the end of 2019, the Company operates 186 office networks which consists of 120 Branch Offices and 66 Non-Branch Offices. A total of 109 Branch Offices have the operating license to market the sharia financing product.
Sharia Financing PerformanceSharia financing was pressured during 2019 hence the financing growth decreased by 73.5% from 43 thousand units in 2018 to 11 thousand units in 2019.
Financing QualitySharia financing segment recorded controlled non-performing financing (NPF) ratio resulted from good risk management.
ProfitabilityThe profit margin of sharia financing is influenced by various factors among others the fluctuation of interest rate and profit sharing that has been implemented.
Multipurpose financing products are popular in the financing industry for its flexibility and deliverance of higher profit margins. The Company has a multipurpose service financing product to meet the financing needs of general public. The development of multipurpose financing services segment is as follows:
Tinjauan OperasionalOperational Review
Horizon of GrowtH 151PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja Pembiayaan Multiguna Jasa
Pembiayaan Multiguna Jasa memberi fleksibelitas kepada Perseroan untuk menyalurkan pembiayaan. Potensi pasarnya masih cukup besar baik untuk Multiguna MotorKu maupun Multiguna MobilKu. Marjin keuntungannya juga lebih tinggi dibanding produk pembiayaan lainnya.
Multiguna Jasa 2019 2018 PertumbuhanGrowth (%) Multipurpose Services
Unit Units
Multiguna Jasa MotorKu 174.027 203.163 (14,3) Multipurpose Service MotorKu
Multiguna Jasa MobilKu 22.011 17.369 (26,7) Multipurpose Service MobilKu
Total Unit 196.038 220.532 (11,1) Total Units
Nilai Pembiayaan (dalam jutaan) Financing Value (in million)
Multiguna Jasa MotorKu 1.410.282 1.567.924 (10,1) Multipurpose Service MotorKu
Multiguna Jasa MobilKu 1.500.292 1.165.304 28,8 Multipurpose Service MobilKu
Total Pembiayaan 2.910.574 2.733.228 6,5 Total Financing
Kinerja Pembiayaan Multiguna JasaPembiayaan Multiguna Jasa baik MotorKu dan MobilKu mengalami penurunan penjualan. Pada tahun 2019, pembiayaan ini turun sebesar 11,11% menjadi 196 ribu unit dibanding tahun sebelumnya 220 ribu unit. Portfolio Multiguna Jasa MotorKu masih menjadi yang terbesar dengan pangsa sebesar 88,77% dari total Multiguna Jasa.
Kualitas PembiayaanPerseroan mampu menjaga rasio pembiayaan bermasalah dari pembiayaan ini dan pembiayaan Multiguna Jasa menjadi penopang utama pertumbuhan pembiayaan Perseroan.
ProfitabilitasBiaya akuisisi yang lebih rendah dan risiko pembiayaan yang terjaga menjadikan pembiayaan Multiguna Jasa memberi marjin keuntungan yang lebih besar dibanding produk pembiayaan lain.
Multipurpose Services Financing PerformanceThe Multipurpose financing rendered flexibility to the Company for the disbursement of its financing. The market potential is sufficiently remained large, be it for the MotorKu and or MobilKu financing. The profit margin is also higher compared to other financing products.
Multipurpose Services Financing PerformanceThe Multipurpose Services financing of MotorKu and MobilKu decreased in sales. In 2019, this financing decrease 11,11% to 196 thousand units compared to 220 thousand units in the previous year. The largest share derived from Multipurpose Services MotorKu with 88.77% from the total Multipurpose Services financing.
Financing QualityThe Company was able to maintain the non-performing financing (NPF) ratio and Multipurpose Service financing serves as a main platform of the Company financing growth.
ProfitabilityLower acquisition costs and maintained credit risk in Multipurpose Service financing have rendered higher profit margins compared to other financing products.
Tinjauan OperasionalOperational Review
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH152
Kinerja KeuanganFinancial Review
LAPORAN POSISI KEUANGAN
AsetPada tahun 2019, Perseroan mencatatkan penurunan aset sebesar 6,3% dari Rp8,83 triliun di tahun 2018 menjadi Rp8,27 triliun, . Faktor pendorong utama dari penurunan tersebut adalah:
(Rp juta - Rp million)
Aset 2019 2018 2017 AssetsKas dan setara kas 751.561 1.243.576 684.303 Cash and cash equivalents
Piutang pembiayaan konsumen - Neto 7.205.215 7.243.068 6.796.231 Consumer financing receivables - Net
Piutang lain-lain 46.574 72.344 57.981 Other receivables
Biaya dibayar di muka dan uang muka 76.904 119.014 101.642 Prepaid expenses and advances
Aset tetap 111.672 109.629 66.137 Property and Equitment
Aset tidak berwujud 32.084 - - Intangible Assets
Aset pajak tangguhan - neto 33.938 32.437 37.132 Deferred tax assets - net
Aset lain-lain 13.222 7.239 2.306 Other assets
Total Aset 8.271.170 8.827.307 7.745.732 Total Assets
LiabilitasPada tahun 2019, Perseroan mencatatkan penurunan liabilitas sebesar 9,9% dari Rp7,66 triliun di tahun 2018 menjadi Rp6,90 triliun. Pendorong utama dari penurunan tersebut adalah:
(Rp juta - Rp million)
Liabilitas 2019 2018 2017 LiabilitiesUtang bank 3.622.876 4.559.701 3.082.884 Bank loans
Biaya masih harus dibayar 92.563 96.114 69.022 Accrued expenses
Utang pajak 39.337 3.093 30.000 Taxes payable
Utang lain-lain 158.307 239.197 263.164 Other payables
Utang obligasi - Neto 2.651.540 2.528.597 3.062.543 Bonds payable - Net
Liabilitas imbalan kerja 135.970 128.944 148.307 Liability for employee benefits
Utang subordinasi 200.000 100.000 100.000 Subordinated loan
Total Liabilitas 6.900.593 7.655.646 6.755.920 Total Liabilities
STATEMENT OF FINANCIAL POSITION
AssetsIn 2019, the Company recorded a decrease of assets by 6.3% from Rp8.83 trillion in 2018 to Rp8.27 trillion. The main driving factors of the decline are as follows:
LiabilitiesIn 2019, the Company recorded a 9.9% decrease of liabilities from Rp7.66 trillion in 2018 to Rp6.90 trillion. The main driving factors of the decline are as follows:
Horizon of GrowtH 153PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja KeuanganFinancial Review
EkuitasPada tahun 2019, Ekuitas Perseroan tercatat sebesar Rp1,37 triliun, meningkat sebesar 17% dibanding tahun 2018 sebesar Rp1,17 triliun. Peningkatan Ekuitas sejalan dengan naiknya laba yang diraih Perseroan.
(Rp juta - Rp million)
Uraian 2019 2018 2017 DescriptionEkuitas 1.370.577 1.171.661 989.812 Equity
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN
PendapatanPerseroan membukukan pertumbuhan pendapatan sebesar 1,1% dari Rp2,62 triliun di tahun 2018 menjadi Rp2,64 triliun di tahun 2019. Pertumbuhan pendapatan ditopang terutama dari naiknya pembiayaan lain-lain sebesar 42,7% dari Rp252 miliar pada tahun 2018 menjadi Rp360 miliar.
(Rp juta - Rp million)
Pendapatan 2019 2018 2017 RevenuesPembiayaan konsumen - Neto 2.073.049 2.087.765 1.544.794 Consumer financing - Net
Bunga 35.625 18.717 21.455 Interest
Administrasi 175.357 257.601 335.310 Administration
Lain-lain 359.656 252.031 252.872 Others
Total Pendapatan 2.643.687 2.616.114 2.154.431 Total Revenues
BebanPerseroan mencatatkan penurunan beban sebesar 2,4%, dari Rp2,33 triliun di tahun 2018 menjadi Rp2,27 triliun di tahun 2019. Penurunan beban terutama disebabkan menurunnya pembentukan cadangan kerugian penurunan nilai seiring membaiknya kualitas pembiayaan.
EquityIn 2019, the Company equity was amounted to Rp1.37 trillion, an increase of 17% from Rp1.17 trillion in 2018. The increase of equity is in line with the increase of profit recorded by the Company.
STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
RevenuesThe Company posted a 1.1% growth of revenues, from Rp2.62 trillion in 2018 to Rp2.64 trillion in 2019. The increase of revenues was derived by other financing growth of 42,7% from Rp252 billion in 2018 to Rp360 billion.
ExpensesThe Company expenses decreased by 2.4%, from Rp2.33 trillion in 2018 to Rp2.27 trillion in 2019. The decrease of expenses was due to the decrease of provision for impairment losses, which aligned with improved financing quality.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH154
(Rp juta - Rp million)
Beban 2019 2018 2017 ExpensesUmum & administrasi 736.503 690.117 604.830 General & administrative
Gaji & tunjangan 440.393 439.535 381.675 Salaries & benefits
Pendanaan 638.807 671.865 567.363 Financing costs
Pembentukan cadangan kerugian penurunan nilai
404.929 474.284 325.768 Provision for impairment losses
Penyusutan 44.929 37.104 30.249 Depreciation
Lain-lain 7.060 16.046 2.794 Others
Total Beban 2.272.621 2.328.951 1.912.679 Total Expenses
Laba Tahun Berjalan, Laba Komprehensif, & Laba per Saham DasarLaba tahun berjalan Perseroan sebesar Rp260 miliar pada tahun 2019, naik 21% dari tahun 2018 sebesar Rp215 miliar. Peningkatan laba tahun berjalan disebabkan naiknya perolehan pendapatan yang lebih tinggi dari beban. Sementara laba komprehensif sebesar Rp263 miliar, naik 11,7% dari tahun 2018 sebesar Rp236 miliar. Peningkatan laba tahun berjalan di tahun 2019 berdampak terhadap naiknya laba per saham dasar menjadi sebesar Rp74,59 dari tahun sebelumnya Rp61,81.
(Rp juta - Rp million)
Laba 2019 2018 2017 IncomeLaba tahun berjalan 259.671 215.183 180.665 Income for the year
Laba komprehensif tahun berjalan 263.323 235.812 174.513 Comprehensive income for the year
Laba per saham dasar (dalam Rupiah penuh) 74,59 61,81 51,89 Basic earnings per share (in full Rupiah amount)
LAPORAN ARUS KAS
(Rp juta - Rp million)
Arus Kas 2019 2018 2017 Cash FlowsArus kas bersih dari aktivitas operasional 331.406 (215.107) (786.565) Cash flows from operating activities
Arus kas bersih dari aktivitas investasi (40.376) (110.940) (41.484) Cash flows from investing activities
Arus kas bersih dari aktivitas pendanaan (783.045) 885.320 964.999 Cash flows from financing activities
Arus kas bersih (492.015) 559.273 136.950 Net cash flows
Kinerja KeuanganFinancial Review
Income for the Year, Comprehensive Income, & Basic Earnings per ShareThe Company income for the year in 2019 amounted to Rp260 billion, an increase of 21% from Rp215 billion in 2018. The increase of income for the year was due to the increase of revenues that higher than the expenses. While comprehensive income amounted to Rp263 billion, rose by 11.7% from Rp236 billion in 2018. The increase of income for the year impacted on the increase of basic earnings per share to Rp74.59 from Rp61.81 in the previous year.
STATEMENT OF CASH FLOWS
Horizon of GrowtH 155PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja KeuanganFinancial Review
Arus Kas Diperoleh dari (Digunakan untuk) Aktivitas OperasionalArus kas yang diperoleh dari aktivitas operasional sebesar Rp331 miliar pada tahun 2019. Pada tahun 2018, arus kas untuk kegiatan operasional sebesar Rp215 miliar. Posisi neto disebabkan lebih tingginya penerimaan daripada pengeluaran kas.
Arus Kas Digunakan untuk Aktivitas InvestasiPerseroan membukukan arus kas digunakan untuk kegiatan investasi sebesar Rp40,4 miliar di tahun 2019, menurun 63,6% dari tahun sebelumnya sebesar Rp110,9 miliar. Penurunan ini disebabkan berkurangnya perolehan aset tetap dan uang muka perangkat lunak dan lisensi.
Arus Kas Digunakan untuk Aktivitas Pendanaan
Pada tahun 2019, arus kas yang digunakan untuk aktivitas pendanaan sebesar Rp783 miliar. Uang kas ini digunakan antara lain untuk melunasi utang bank dan utang obligasi Perseroan. Pada tahun 2018, arus kas yang diperoleh dari aktivitas pendanaan sebesar Rp885,3 miliar.
KEMAMPUAN MEMBAYAR UTANG DAN TINGKAT KOLEKTIBILITAS PIUTANG
Perseroan terus berupaya meningkatkan sumber pendanaan agar dapat memenuhi kewajibannya dan memastikan kelangsungan usaha berjalan secara optimal. Dalam kerangka itu, Perseroan memastikan kecukupan likuiditas dalam memenuhi kewajiban, baik jangka pendek maupun panjang. Tingkat kemampuan membayar utang Perseroan dapat diukur dari rasio solvabilitas dan kolektibilitas. Sementara rasio rentabilitas digunakan untuk mengukur kemampuan Perseroan dalam memperoleh laba untuk menjaga kelangsungan usaha.
• Rasio LikuiditasDalam rangka mendukung kegiatan bisnis sehari-hari dan untuk membiayai ekspansi bisnis Perseroan, WOM Finance selalu menjaga tingkat likuiditasnya dengan baik. Di tahun 2019, Fitch Ratings mengeluarkan peringkatnya atas Perseroan yakni AA-(IDN).
• Rasio SolvabilitasRasio Solvabilitas digunakan untuk mengukur kemampuan Perseroan dalam memenuhi kewajiban yang dapat diukur dari rasio liabilitas terhadap total aset dan rasio liabilitas terhadap ekuitas.
Cash Flows Provided by (Used in) Operating ActivitiesCash flows provided by operating activities amounted to Rp331 billion in 2019. In 2018, cash used in operating activities amounted to Rp 215 billion. The net position was due to higher cash receipts then cash in disbursement.
Cash Flows Used in Investing ActivitiesThe Company booked cash flows used for investing activities amounted to Rp40.4 billion in 2019, decreased by 63.6% from Rp110.9 billion in the previous year. The decrease was due to the decrease of aquisition of preperty and equipment and advance for software and licenses.
Cash Flows Provided by (Used in) Financing ActivitiesIn 2019, cash flows used for financing activities amounted to Rp783 billion. The cash was used for the Company’s repayment of bank loans and bonds payable. In 2018, cash flows provided by from financing activities was amounted to Rp885.3 billion.
SOLVENCY AND RECEIVABLES COLLECTABILITY LEVELS
The Company strives to increase sufficient financial resources in order to fulfill its obligations and ensure optimum business continuity. To that end, the Company ensures the adequacy of liquidity for its obligations, both for short- and long-terms. The Company’s solvency level can be measured from its solvability and collectability ratio. While earnings ratio is used to measure the Company’s capability in attaining income to maintain business continuity.
• Liquidity RatioTo support the Company’s daily business activities and finance its business expansion, the Company continuously maintains its liquidity properly. In 2019, Fitch Ratings issued AA-(IDN) rating for the Company.
• Solvability RatioThe Solvability ratio is used to measure the Company’s capability in fulfilling its obligations that can be measured from debt to asset ratio and debt to equity ratio.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH156
Rasio Liabilitas Terhadap Total Aset | Debt to Assets Ratio
Rasio 2019 2018 2017 RatioLiabilitas terhadap total aset 83,4% 86,7% 87,2% Debt to total assets
Rasio Liabilitas Terhadap Total Ekuitas | Debt to Equity Ratio
Rasio 2019 2018 2017 RatioLiabilitas terhadap total ekuitas 503,5% 653,4% 682,6% Debt to total equity
Dari pembahasan kedua rasio tersebut yang menunjukkan penurunan maka dapat dikatakan bahwa rasio solvabilitas Perseroan sehat. Oleh karena itu, Perseroan memiiki sumber dana yang memadai untuk memenuhi seluruh kewajibannya.
• Rasio RentabilitasRasio rentabilitas Perseroan pada tahun 2019 dapat dilihat dari imbal hasil rata-rata aktiva dan imbal hasil rata-rata ekuitas, sebagai berikut:
Rasio 2019 2018 2017 RatioImbal Hasil Rata-Rata Aset 4,4% 3,3% 3,5% Return on Assets (ROA)
Imbal Hasil Rata-Rata Ekuitas 21,1% 19,9% 20,3% Return on Equity (ROE)
Dari tabel diatas tersebut, ROA tahun 2019 sebesar 4,4%, naik dibandingkan dengan tahun 2018 sebesar 3,3%. ROE tahun 2019 sebesar 21,1%, meningkat dibanding tahun 2018 sebesar 19,9%. Berdasarkan kedua indikator rasio rentabilitas tersebut menunjukkan kemampuan Perseroan dalam meningkatkan profit.
Tingkat Kolektibilitas Piutang | Receivables Collectability Levels
Uraian 2019 2018 DescriptionTunggakan 1-90 hari 15,4% 18,8% Overdue 1-90 days
Tunggakan lebih dari 91 hari 1,8% 2,8% Overdue more than 91 days
Pada tahun 2019, komposisi piutang pembiayaan konsumen untuk tunggakan 1-90 hari sebesar 15,4%, turun dibanding tahun 2018 sebesar 18,8%. Tunggakan lebih dari 91 hari sebesar 1,8%, turun dibanding tahun sebelumnya sebesar 2,8%. Penurunan tingkat kolektibilitas tunggakan di bawah 90 hari maupun diatas 91 hari merupakan keberhasilan Perseroan dalam melakukan penagihan piutang.
The decrease of both ratios indicated sound solvability ratio of the Company. As such, the Company has adequate resources in fulfilling its all obligations.
• Earnings Ratio The Company’s earnings ratio in 2019 can be seen from the return on assets (ROA) and return on equity (ROE), as follows:
From the above table, the ROA in 2019 was at 4.4%, an increase compared to 3.3% in 2018. The ROE in 2019 was at 21.1%, an increase from 19.9% in 2018. The increase of these earnings ratio indicators reflects the Company’s capability in increasing its income.
In 2019, the composition of consumer financing receivables for the overdue 1-90 days was 15.4%, a decrease compared to 18.8% in 2018. The overdue more than 91 days was at 1.8%, a decrease from 2.8% in the previous year. The decrease of collectability for overdue less than 90 days and above 91 days considered as the Company’s success in undertaking receivables collection.
Kinerja KeuanganFinancial Review
Horizon of GrowtH 157PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja KeuanganFinancial Review
STRUKTUR MODAL DAN KEBIJAKAN MANAJEMEN ATAS STRUKTUR MODAL
Struktur Modal Per 31 Desember 2019, rincian pemegang saham Perseroan dengan saham dari nilai nominal Rp100 per saham adalah sebagai berikut:
Uraian Description
2019 Jumlah Total (%)
PT Bank Maybank Indonesia Tbk 2.386.646.729 68.55
PT Wahana Makmur Sejati 833.316.600 23,94
Masyarakat umum (masing-masing di bawah 5,00%) | Public (each below 5,00%)
261.518.151 7,51
TOTAL 3.481.481.480 100
Gearing ratio pada tanggal 31 Desember 2019 dan 2018 yang dihitung berdasarkan POJK No.35/POJK.05/2018 tanggal 27 Desember 2018 adalah sebagai berikut :
(Rp juta - Rp million)
Rasio 31 Desember 2019December 31,2019
31 Desember 2018December 31, 2018
31 Desember 2017December 31, 2017
Ratio
Pinjaman 6.474.416 7.188.298 6.245.427 Borrowing
Ekuitas 1.370.577 1.171.661 989.812 Equity
Utang Subordinasi 200.000 100.000 100.000 Subordinated Loan
Gearing Ratio 4,2 kali lipat / times 5,6 kali lipat / times 5,7 kali lipat / times Gearing Ratio
Jumlah gearing ratio Perseroan pada tahun 2019 dan tahun 2018 masing-masing sebesar 4,2 kali lipat dan 5,6 kali lipat telah sesuai dengan ketentuan POJK No. 35/POJK.05/2018 yang memperbolehkan gearing ratio maksimal sebesar 10 (sepuluh) kali lipat.
Kebijakan atas Struktur Modal Perseroan telah menetapkan besaran permodalan untuk menjaga kelangsungan usaha yang berkelanjutan. Kebijakan permodalan didasarkan pada asumsi pertumbuhan ekonomi makro, perkembangan industri pembiayaan dan rencana bisnis Perseroan.
Pengelolaan modal Perseroan didasarkan pada Undang-undang Perseroan Terbatas No. 40 Tahun 2007 untuk menyisihkan dan mempertahankan suatu dana cadangan yang tidak boleh didistribusikan sampai dana cadangan tersebut mencapai 20% dari modal saham diterbitkan dan dibayar penuh. Perseroan akan terus menambah cadangan ini sampai mencapai jumlah yang diatur oleh Undang-Undang.
CAPITAL STRUCTURE AND MANAGEMENT POLICY ON CAPITAL STRUCTURE
Capital Structure As of December 31, 2019, the Company’s shareholders with shares from a nominal value of Rp100 per share are as follows:
The following are gearing ratio as of December 31, 2019 and 2018 calculated based on POJK No. 35/POJK.05/2018 dated December 27, 2018 :
The Company’s total gearing ratio in 2019 and 2018 respectively at 4.2 times and 5.6 times have met the POJK Regulation POJK No. 35/POJK.05/2018 that allows to record a maximum gearing ratio of 10 (ten) times.
Capital Structure Policy To maintain business continuity, the Company has stipulated the capital value. The capital policy refers to the macroeconomics growth, financing industry development and the Company’s business plan.
The Company’s capital management refers to the Company Law No. 40 of 2007 to contribute and maintain a non-distributable reserve funds until the said reserve reached 20% of the issued and fully paid share capital. The Company will continue to add the reserve until such time the amount reaches the level required by the Law.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH158
Kinerja KeuanganFinancial Review
Struktur permodalan Perseroan disusun berdasarkan penyesuaian atas perubahan kondisi ekonomi. Untuk memelihara dan menyesuaikan struktur permodalan, Perseroan dapat menyesuaikan pembayaran dividen kepada pemegang saham, menerbitkan saham baru atau mengusahakan pendanaan melalui skema pinjaman perbankan maupun penerbitan obligasi. Perseroan memastikan tidak ada perubahan atas tujuan, kebijakan maupun proses selama tahun penyajian.
Kebijakan Perseroan adalah mempertahankan struktur permodalan yang sehat untuk mengamankan akses terhadap pendanaan pada biaya yang wajar. Dalam mengelola permodalan, Perseroan melakukan analisa secara bulanan untuk memastikan bahwa Perseroan tetap mengikuti POJK No. 35/POJK.05/2018 tanggal 27 Desember 2018 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan yang diantaranya mengatur ketentuan sebagai berikut: • Ekuitas perusahaan minimum sebesar Rp 100.000;• Rasio ekuitas Perusahaan terhadap modal disetor
paling rendah sebesar 50,00%;• Rasio permodalan Perusahaan minimum sebesar 10%;• Jumlah pinjaman yang dimiliki Perusahaan
dibandingkan modal sendiri dan utang subordinasi dikurangi penyertaan (gearing ratio) ditetapkan serendah-rendahnya 0 (nol) dan setinggi-tingginya 10 kali, baik untuk pinjaman luar negeri maupun dalam negeri
IKATAN MATERIAL UNTUK PEROLEHAN BARANG MODAL Pada tahun 2019, tidak terdapat ikatan material untuk investasi barang modal.
INVESTASI BARANG MODAL YANG DIREALISASIKAN PADA TAHUN BUKU 2019Sepanjang tahun 2019, jumlah investasi barang modal yang direalisasikan Perseroan sebesar Rp 47,2 miliar, turun dibanding tahun 2018 sebesar Rp81,9 miliar.Tujuan investasi barang modal adalah untuk mendukung kelancaran operasional Perseroan. Adapun sumber dana yang digunakan untuk melakukan investasi barang modal adalah modal milik perusahaan. Penjelasan mengenai investasi barang modal di tahun 2019 dapat dilihat dalam tabel di bawah ini:
The Company’s capital structure management is developed based on adjustments on the economic conditions. To maintan and adjust the capital structure, the Company may adjust the dividend payment to shareholders, issue new shares or raise debt financing. No changes were made in the objectives, policies or processes during the presented year.
The Company’s policy is to maintain a sound capital structure in order to secure access to finance at a reasonable cost. In managing the capital, the Company conducts monthly analysis to ensure that the Company complies with the POJK No. 35/POJK.05/2018 dated December 27, 2018 regarding the Finance Companies which have some provisions as follows:
• The Company’s minimum equity of Rp 100,000;• The Company’s lowest equity ratio to paid-up capital
of 50.00%;• The Company’s minimum capital ratio of 10%;• The Company’s total debts compared to its capital
and subordinated loans less gearing ratio is set at the lowest level of 0 (nil) and the highest level of 10 times, both for foreign or domestic loans.
MATERIAL COMMITMENTS FOR CAPITAL EXPENDITURES No material commitments for capital investments during 2019.
CAPITAL EXPENDITURES REALIZED IN FISCAL YEAR 2019
Throughout 2019, total capital expenditures realized by the Company amounted to Rp 47,2 billion, decreased from Rp81.9 billion in 2018. The purpose of capital expenditures was to bolster the Company’s operational efficiency. The source of fund used for the capital expenditures was the Company’s owned capital. The following table illustrate the capital expenditures in 2019:
Horizon of GrowtH 159PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja KeuanganFinancial Review
(Rp juta - Rp million)
Uraian 2019 2018 DescriptionRenovasi kantor 12.364 32.954 Leaseholds improvement
Kendaraan 10.934 12.066 Vehicles
Peralatan kantor 22.091 22.466 Office equipment
Perabot kantor 1.763 14.509 Office furniture and fixtures
Total 47.152 81.995 Total
TARGET DAN REALISASI TAHUN 2019
(Rp juta - Rp million)
Uraian Target RealisasiRealization
Pencapaian (%)Achievement
Description
Aset 9.047.704 8.271.170 91,4 Assets
Ekuitas 1.338.380 1.370.577 102,4 Equity
Pendapatan 2.723.772 2.643.687 97,1 Revenues
Laba Tahun Berjalan 230.004 259.671 112,9 Income for The Year
TARGET TAHUN 2020 Kondisi pasar sepeda motor di tahun 2020 diprediksi relatif sama dengan percapaian di tahun 2019. Pada tahun 2020, Perusahaan menargetkan unit pembiayaan sebesar 415 ribu unit atau tumbuh sekitar 17% dibandingkan tahun 2019. Adapun untuk target kinerja keuangan tahun 2020 tercantum dalam tabel di bawah ini:
(Rp juta - Rp million)
Uraian Realisasi 2019 Realization in 2019
Target 2020Target in 2020
PertumbuhanGrowth
Description
Aset 8.271.170 8.163.412 (1,3%) Assets
Ekuitas 1.370.577 1.182.150 (13,7%) Equity
Pendapatan 2.643.687 2.637.110 (0,2%) Revenues
Laba Tahun Berjalan 259.671 245.070 (5.6%) Income for The Year
INFORMASI DAN FAKTA MATERIAL YANG TERJADI SETELAH TANGGAL LAPORAN AKUNTANPerusahaan memiliki komitmen yang signifikan pada tanggal 31 Desember 2019 sebagai berikut:
1. Pada tanggal 15 Maret 2018, Perusahaan menandatangani perjanjian sewa ruangan perkantoran tidak dapat dibatalkan untuk jangka waktu 10 (sepuluh) tahun sampai dengan 31 Maret 2028, yang mencakup ruang kantor seluas 4.636,90 meter persegi di Altira Office Tower, Jakarta.
TARGET AND REALIZATION IN 2019
TARGET IN 2020 The motorcycle market condition in 2020 is forecasted to relatively similar with the 2019 achievements. In 2020, the Company sets the financing target of 415 thousand units or to grow around 17% compared to 2019. The following are the financial performance targets for 2020:
MATERIAL INFORMATION AND SUBSEQUENT EVENTS
The Company have significant commitment as of December 31, 2018 as follows:
1. On March 15, 2018, the Company entered into a non-cancellable office space lease agreement for a period of 10 (ten) years up to March 31, 2028, covering office space approximately 4,636.90 square meters in Altira Office Tower, Jakarta.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH160
Kinerja KeuanganFinancial Review
2. Pada tanggal 4 Mei 2017, Perseroan mengadakan perjanjian kerjasama dengan PT Adicipta Dinamika Inovasi untuk pembelian perangkat lunak dan lisensi dengan nilai sekitar Rp38.929. Proyek ini sudah selesai pada bulan Oktober 2019.
Pada tanggal 31 Desember 2019 dan 2018, Perseroan telah melakukan pembayaran uang muka masing-masing sebesar Rp333 dan Rp30.844 untuk pengembangan sistem perusahaan dan disajikan di dalam akun “Biaya dibayar dimuka dan uang muka”.
PROSPEK USAHAPerekonomian Indonesia diprediksi akan tetap stabil di tengah ketidakpastian global yang masih akan berlanjut setidaknya sampai tahun 2020.
Pemerintah menargetkan pertumbuhan ekonomi sebesar 5,3%, lebih tinggi dibanding realisasi pertumbuhan tahun 2019 sebesar 5,0%. Pertumbuhan itu sejalan dengan laju inflasi yang rendah di level 2,7% dan daya beli masyarakat yang terjaga.
Di industri sepeda motor, Asosiasi Industri Sepeda Motor Indonesia (AISI) memperkirakan penjualan sepeda motor di tahun 2020 akan stabil seperti tahun sebelumnya dikisaran 6,4 juta unit.
Sementara Asosiasi Perusahaan Pembiayaan Indonesia (APPI) memprediksi pembiayaan akan tumbuh sebesar 4%. Otoritas Jasa Keuangan (OJK) menargetkan pertumbuhan kinerja industri pembiayaan dikisaran 7% - 8%.
Di tengah tekanan eksternal yang masih mungkin berlanjut, OJK mendorong industri pembiayaan agar dapat menjaga keseimbangan antara pertumbuhan piutang pembiayaan dan penyediaan aspek perlindungan konsumen. Dengan begitu, akan menumbuhkan kepercayaan pasar terhadap industri pembiayaan yang dapat berdampak pada pertumbuhan yang sehat dan berkelanjutan.
Perseroan akan meningkatkan pembiayaan multiguna seperti penyaluran dana tunai untuk mengantisipasi pelemahan permintaan sepeda motor. Pendapatan ditargetkan tumbuh sebesar 30% pada tahun 2020.
DIVIDEN DAN KEBIJAKAN DIVIDENPembagian dividen kepada pemegang saham Perusahaan diakui sebagai suatu liabilitas dalam laporan keuangan pada periode ketika dividen tersebut diumumkan dan disetujui oleh para pemegang saham Perusahaan.
2. On May 4, 2017, the Company entered into agreement with PT Adicipta Dinamika Inovasi related to software and licenses acqusition approximately amounted to Rp38,929. The project completed at October 2019.
As of December 31, 2019 and 2018, the Company has paid advance amounted to Rp333 and Rp30,844 respectively, for system development which was presented as ’Prepaid expenses and advances’.
BUSINESS PROSPECTSAmid global uncertainties that will continue at least until 2020, the Indonesian economy is forecasted to remain stable.
The government is targeting economic growth of 5.3%, higher than the 2019 realization of 5.0%. The growth is in coherent with the low inflation rate of 2.7% and the maintained people’s purchasing power.
In the motorcycle industry, the Indonesian Motorcycle Industry Association (AISI) estimates motorcycle sales in 2020 will be stable as the previous year at around 6.4 million units.
While the Indonesian Financial Services Association (APPI) predicts the financing will grow by 4%. The Financial Services Authority (OJK) targets the growth of financing industry performance between the level of 7% - 8%.
In the midst of external pressures that may still continue, the OJK fosters the financing industry to maintain a balance between the growth of financing receivables and the delivery of consumer protection aspects. As such, it will foster market confidence in the financing industry which can have an impact on healthy and sustainable growth.
The Company will increase multipurpose financing such as cash disbursement to anticipate weakening motorcycle demand. Revenue is targeted to grow by 30% in 2020.
DIVIDEND AND DIVIDEND POLICYDividend distribution to the Company’s shareholders is recognized as a liability in the financial statements in the period in which the dividends are declared and approved by the Company’s shareholders.
Horizon of GrowtH 161PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja KeuanganFinancial Review
Kebijakan Dividen Kebijakan pembagian dividen Perseroan ditetapkan berdasarkan ketentuan peraturan yang berlaku di Indonesia dan disetujui oleh pemegang saham melalui rapat Umum Pemegang Saham, atas rekomendasi dari Dewan Komisaris dan Direksi. Rapat Umum Pemegang Saham memiliki hak untuk memutuskan hasil dari penggunaan laba bersih setelah dikurangi dengan penyisihan untuk dana cadangan, yang hanya akan dibagikan kepada para pemegang saham dalam bentuk dividen apabila Perseroan memiliki saldo laba positif. Namun jika diperlukan Perseroan dapat memutuskan untuk tidak mendistribusikan dividen.
Berdasakan keputusan RUPS Tahunan yang diselenggarakan pada tanggal 12 Maret 2019, Perseroan memutuskan pembagian dividen untuk Tahun Buku 2018 sebesar Rp64 miliar atau Rp18,5 per lembar saham. Jumlah dividen yang dibagikan kepada para pemegang saham sebesar 30% dari laba bersih tahun buku 2018 senilai Rp215 miliar.
Tahun Buku Fiscal Year
Dividen TunaiCash Dividend
Laba BersihNet Income
Rasio Pembayaran
DividenDividend Payout
Ratio
Dividen Per Lembar
Saham Dividend Per
Share
Tanggal Pembayaran
Date of Payout
2014Tidak Membagikan Dividen Did Not Distribute Dividend
Rp37.192.000.000 - - -
2015Tidak Membagikan Dividen Did Not Distribute Dividend
Rp15.667.636.335 - - -
2016Tidak Membagikan Dividen Did Not Distribute Dividend
Rp60.303.211.828 - - -
2017Membagikan Dividen Distribute Dividend
Rp180.665.054.007 30% Rp15,5 18 April 2018
2018Membagikan DividenDistribute Dividend
Rp215.182.342.933 30% Rp18,5 12 April 2019
REALISASI PENGGUNAAN DANA HASIL PENAWARAN UMUMPada bulan Mei 2019, Perusahaan menawarkan pada masyarakat “Obligasi Berkelanjutan III WOM Finance Tahap II Tahun 2019 Dengan Tingkat Suku Bunga Tetap” dengan jumlah pokok Rp1.68 triliun (Catatan 16) yang dinyatakan efektif oleh OJK pada tanggal 14 Desember 2018 berdasarkan Surat Keputusan No. S-184/D.04/2018. Obligasi ini dicatatkan pada Bursa Efek Indonesia pada tanggal 14 Desember 2018.
Dividend Policy The Company’s dividend disbursement policy is set based on the prevailing regulatory in Indonesia and approved by the shareholders through the General Meeting of Shareholders, on the recommendations of the Board of Commissioners and Board of Directors. The General Meeting of Shareholders has the rights to take decision on the results of net income allocation after deducting the provision for reserve fund, which will only be disbursed to the shareholders in a form of dividend, if the Company recorded positive retained earnings. However, if necessary the Company may take decision to not disburse the dividend for the shareholders.
Pursuant to the resolution of the Annual GMS held on March 12, 2019, the Company has disbursed cash dividend for Fiscal Year 2018 amounted to Rp64 billion at Rp18.5 per share or around 30% from net income of fiscal year 2018 amounted to Rp215 billion disbursed as cash dividend for the shareholders.
REALIZATION OF PUBLIC OFFERING PROCEEDS ALLOCATIONIn May 2019, the Company offered to the public “Continuing Bonds III Phase II WOM Finance Year 2018 With Fixed Interest Rate”with nominal value of Rp1,68 trillion (Note 16), which became effective on December 14, 2018 based on the Decision Letter No. S-184/D.04/2018 of OJK. The Company listed the bonds in the Indonesia Stock Exchange on December 14, 2018.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH162
Jenis Penawaran Umum
Public Offerings
Tanggal Efektif
Effective Date
Realisasi Hasil PenawaranOffering Results Realization
Realisasi Penggunaan danaProceeds Allocation Realization
Sisa Dana Hasil
Penarawan Umum
Balance of Public Offering Proceeds
Jumlah Penawaran
UmumTotal Public Offerings
Hasil bersihNet
Proceeds
Pembiayaan (modal kerja)
Credit (working capital)
DepositoDeposits Total
Penawaran Umum Berkelanjutan III Tahap IIShelf Public Offering III PHase II
14 Desember 2018December 14, 2018
1.675.000 1.670.561 1.670.561 1.670.561 0
INFORMASI MATERIAL MENGENAI INVESTASI, EKSPANSI, DIVESTASI, PENGGABUNGAN/PELEBURAN USAHA, AKUISISI ATAU RESTRUKTURISASI UTANG/MODALSelama tahun 2019, Perseroan tidak melakukan tambahan kegiatan investasi, ekspansi, divestasi, akuisisi atau restrukturisasi utang yang material.
PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN DAN MANAJEMEN (ESOP/MSOP)Sampai dengan 31 Desember 2019, Perseroan tidak memiliki program kepemilikan saham oleh karyawan dan manajemen.
INFORMASI TRANSAKSI MATERIAL YANG MENGANDUNG BENTURAN KEPENTINGAN DAN TRANSAKSI DENGAN PIHAK AFILIASIDalam kegiatan usaha normal, Perseroan melakukan transaksi dengan pihak-pihak berelasi. Penjelasan mengenai kewajaran transaksi adalah sebagai berikut:
Pihak berelasiRelated parties
Sifat dari hubunganNature of relationship
TransaksiTransaction
PT Bank Maybank Indonesia Tbk(“MBI”)
Pemegang saham mayoritas PerusahaanThe majority shareholder of the Company
Rekening giro, deposito, utang obligasi, perjanjian kerjasama pembiayaan, utang subordinasi, pendapatan bunga, penyaluran kredit dan beban pendanaanCurrent accounts, time deposit, bonds payable, joint financing, subordinated loan, interest income, credit channeling and financing cost
PT Maybank Indonesia Finance Tbk (“MIF”)
Hutang asuransi dan premi asuransiInsurence payables and insurance premium
Fasilitas pembiayaan konsumen - kendaraanFinancing facilities-vehicles
Kinerja KeuanganFinancial Review
MATERIAL INFORMATION ON INVESTMENT, EXPANSION, DIVESTMENT, MERGER/DISOLVE, ACQUISITION OR DEBT/CAPITAL RESTRUCTURING
During 2019, the Company did not exercise any material investment, expansion, divestment, acquisition or debt restructuring.
STOCK OWNERSHIP PROGRAM FOR EMPLOYEES AND MANAGEMENT (ESOP/MSOP)Until December 31, 2019, the Company did not allocated any stock ownership program for the employees and management.
INFORMATION ON MATERIAL TRANSACTIONS WITH CONFLICT OF INTERESTS AND TRANSACTIONS WITH AFFILLIATESIn the normal course of business, the Company is engaged in transactions with related parties. The related parties and nature of relationship are as follows:
Horizon of GrowtH 163PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja KeuanganFinancial Review
Pihak berelasiRelated parties
Sifat dari hubunganNature of relationship
TransaksiTransaction
PT Wahana Artha Ritelindo (”WARI”)
Hubungan afiliasi denganPerusahaanUnder affiliation with the Company
Utang dealer dan beban sewaPayable to dealer and rentals
Malayan Banking Berhad (”Maybank”)
PT Asuransi Etiqa International Indonesia (“ETIQA”)
PT Maybank Kim Eng Securitas (“KIM ENG”)
Pemegang saham utama MBIThe ultimate shareholder MBI
Hubungan afiliasi denganPerusahaanUnder affiliation with the Company
Rekening Giro, Deposito, Utang Obligasi, Pinjaman karyawan, Pembiayaan Utang Subordinasi, Pendapatan Bunga, Penyedian Kredit dan Beban PendapatanCurrent Accounts, Bonds Payable, Employee Loans, Subordinated Loans Financing, Interest Income, Credit and Operating Expenses
Utang Asuransi dan Premi AsuransiInsurance Payable and Insurance Premium
Jasa Penjamin Emisi ObligasiBonds Issuance Garantor
Dewan Komisaris dan DireksiBoard of Commissioners and Directors
Personil manajemen kunciKey management personnel
Pinjaman karyawan, gaji, dan tunjanganLoans to employee, salaries, and benefits
Ringkasan saldo dengan pihak-pihak berelasi dan persentase saldo dengan pihak-pihak berelasi terhadap aset, liabilitas serta pendapatan dan beban dapat dilihat pada Laporan Keuangan Catatan 28, yang terlampir dalam Laporan Tahunan ini.
Transaksi Material Yang Mengandung Benturan Kepentingan & Transaksi Dengan Pihak AfiliasiDalam kegiatan usaha normal, Perseroan melakukan transaksi dengan pihak-pihak berelasi, penjelasan mengenai transaksi tersebut adalah sebagai berikut:
The summary of related parties balances and percentages of related parties balances to assets, liabilities, revenues and expenses are stated in the Financial Statements Notes 28, as enclosed in this Annual Report.
Material Transactions with Conflict of Interests & Affiliate Transactions
In the normal course of business, the Company is engaged in transactions with related parties. The related parties and nature of relationship are as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH164
Kinerja KeuanganFinancial Review
No. TransaksiTransaction
Nama Pihak BerelasiRelated Parties
Sifat HubunganNature of Relations
Kewajaran TransaksiTransaction Fairness
Alasan Dilakukan Transaksi
Reason For Transactions
Kebijakan Perusahaan Terkait Mekanisme Transaksi
Company Policy on Transaction Review Mechanism
Pemenuhan Peraturan dan Ketentuan Terkait
Fulfillment of Relevant Regulatory and Rules
1 Rekening Giro, Deposito, Utang Obligasi, Perjanjian Kerjasama Pembiayaan, Utang Subordinasi, Pendapatan Bunga, Penyaluran Kredit, Dan Beban PendanaanCurrent Accounts, Deposits, Bond Debt, Financing Cooperation Agreements, Subordinated Debt, Interest Income, Lending, And Financing Costs
PT Bank Maybank Indonesia Tbk (“BMI”)
Pemegang Saham Pengendali PerseroanThe Company’s Controlling Shareholder.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha PerseroanSupporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan BMI pada prospektus aksi korporasi Perseroan dan Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the affiliate transactions with BMI in the Company's corporate action prospectus and the Company's quarterly and annual Financial Statements.
2 Fasilitas pembiayaan konsumen atas pembelian kendaraan bermotor.Consumer financing facilities for the purchase of motor vehicles.
PT Maybank Indonesia Finance Tbk (“MIF”)
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan MIF pada prospektus aksi korporasi Perseroan dan Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the affiliate transactions with MIF on the Company's corporate action prospectus and the Company's quarterly and annual Financial Statements.
3 Utang dealer, sewa gedung, dan beban pendanaan.Dealer debt, building rent, and funding expenses.
PT Wahana Ritelindo (“WARI”) selaku pemberi sewa, Perseroan selaku penyewa.PT Wahana Ritelindo ("WARI") as the renter, the Company as the tenant.
Hubungan afiliasi dengan Perseroan, Direktur Utama WARI merupakan Wakil Presiden Komisaris Perseroan, salah satu anggota Dewan Komisaris WARI merupakan salah satu anggota Dewan Komisaris Perseroan.Affiliation relationship with the Company, WARI's Managing Director is the Vice President Commissioner of the Company, one of the members of the WARI Board of Commissioners is a member of the Company's Board of Commissioners.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan WARI pada prospektus aksi korporasi Perseroan dan Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the affiliate transactions with WARI on the Company's corporate action prospectus and the Company's quarterly and annual Financial Statements.
Horizon of GrowtH 165PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Kinerja KeuanganFinancial Review
No. TransaksiTransaction
Nama Pihak BerelasiRelated Parties
Sifat HubunganNature of Relations
Kewajaran TransaksiTransaction Fairness
Alasan Dilakukan Transaksi
Reason For Transactions
Kebijakan Perusahaan Terkait Mekanisme Transaksi
Company Policy on Transaction Review Mechanism
Pemenuhan Peraturan dan Ketentuan Terkait
Fulfillment of Relevant Regulatory and Rules
1 Rekening Giro, Deposito, Utang Obligasi, Perjanjian Kerjasama Pembiayaan, Utang Subordinasi, Pendapatan Bunga, Penyaluran Kredit, Dan Beban PendanaanCurrent Accounts, Deposits, Bond Debt, Financing Cooperation Agreements, Subordinated Debt, Interest Income, Lending, And Financing Costs
PT Bank Maybank Indonesia Tbk (“BMI”)
Pemegang Saham Pengendali PerseroanThe Company’s Controlling Shareholder.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha PerseroanSupporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan BMI pada prospektus aksi korporasi Perseroan dan Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the affiliate transactions with BMI in the Company's corporate action prospectus and the Company's quarterly and annual Financial Statements.
2 Fasilitas pembiayaan konsumen atas pembelian kendaraan bermotor.Consumer financing facilities for the purchase of motor vehicles.
PT Maybank Indonesia Finance Tbk (“MIF”)
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan MIF pada prospektus aksi korporasi Perseroan dan Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the affiliate transactions with MIF on the Company's corporate action prospectus and the Company's quarterly and annual Financial Statements.
3 Utang dealer, sewa gedung, dan beban pendanaan.Dealer debt, building rent, and funding expenses.
PT Wahana Ritelindo (“WARI”) selaku pemberi sewa, Perseroan selaku penyewa.PT Wahana Ritelindo ("WARI") as the renter, the Company as the tenant.
Hubungan afiliasi dengan Perseroan, Direktur Utama WARI merupakan Wakil Presiden Komisaris Perseroan, salah satu anggota Dewan Komisaris WARI merupakan salah satu anggota Dewan Komisaris Perseroan.Affiliation relationship with the Company, WARI's Managing Director is the Vice President Commissioner of the Company, one of the members of the WARI Board of Commissioners is a member of the Company's Board of Commissioners.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan WARI pada prospektus aksi korporasi Perseroan dan Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the affiliate transactions with WARI on the Company's corporate action prospectus and the Company's quarterly and annual Financial Statements.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH166
No. TransaksiTransaction
Nama Pihak BerelasiRelated Parties
Sifat HubunganNature of Relations
Kewajaran TransaksiTransaction Fairness
Alasan Dilakukan Transaksi
Reason For Transactions
Kebijakan Perusahaan Terkait Mekanisme Transaksi
Company Policy on Transaction Review Mechanism
Pemenuhan Peraturan dan Ketentuan Terkait
Fulfillment of Relevant Regulatory and Rules
4 Perjanjian jasa penjaminan emisi obligasi.Bond underwriting service agreement.
PT Maybank Kim Eng Sekuritas (“MKE”)
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan MKE sebagai penjamin pelaksana emisi obligasi dan penjamin emisi obligasi yang termasuk sebagai pihak terafiliasi dalam prospektus aksi korporasi Perseroan.The Company has listed MKE as underwriters of bond issuances and underwriters of bonds which are included as affiliated parties in the Company's corporate action prospectus.
5 Utang obligasi dan kompensasi berbasis saham.Bond debt and stock-based compensation.
Malayan Banking Berhad (“MBB”)
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan MBB sebagai pihak berelasi dalam Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed MBB as a related party in the Company's quarterly and annual financial statements.
6 Pinjaman karyawan, gaji, dan tunjangan.Employee loans, salaries, and benefits.
Dewan Komisaris, dan Direksi Perseroan.Board of Commissioners and Directors of the Company.
Personil manajemen kunci Perseroan.The Company's key management personnel.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan Dewan Komisaris, dan Direksi Perseroan sebagai pihak berelasi dalam Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the Company's Board of Commissioners and Board of Directors as related parties in the Company's quarterly and annual financial statements.
7 Premi atas penutupan asuransi. Premiums for insurance closing.
PT Asuransi Etiqa Internasional Indonesia (dahulu bernama PT Asuransi Asoka Mas) (“Etiqa”)PT Asuransi Etiqa Internasional Indonesia (formerly PT Asuransi Asoka Mas) ("Etiqa")
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan Etiqa pada prospektus aksi korporasi Perseroan.The Company has listed affiliate transactions with Etiqa on the Company's corporate action prospectus.
Kinerja KeuanganFinancial Review
Horizon of GrowtH 167PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
No. TransaksiTransaction
Nama Pihak BerelasiRelated Parties
Sifat HubunganNature of Relations
Kewajaran TransaksiTransaction Fairness
Alasan Dilakukan Transaksi
Reason For Transactions
Kebijakan Perusahaan Terkait Mekanisme Transaksi
Company Policy on Transaction Review Mechanism
Pemenuhan Peraturan dan Ketentuan Terkait
Fulfillment of Relevant Regulatory and Rules
4 Perjanjian jasa penjaminan emisi obligasi.Bond underwriting service agreement.
PT Maybank Kim Eng Sekuritas (“MKE”)
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan MKE sebagai penjamin pelaksana emisi obligasi dan penjamin emisi obligasi yang termasuk sebagai pihak terafiliasi dalam prospektus aksi korporasi Perseroan.The Company has listed MKE as underwriters of bond issuances and underwriters of bonds which are included as affiliated parties in the Company's corporate action prospectus.
5 Utang obligasi dan kompensasi berbasis saham.Bond debt and stock-based compensation.
Malayan Banking Berhad (“MBB”)
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan MBB sebagai pihak berelasi dalam Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed MBB as a related party in the Company's quarterly and annual financial statements.
6 Pinjaman karyawan, gaji, dan tunjangan.Employee loans, salaries, and benefits.
Dewan Komisaris, dan Direksi Perseroan.Board of Commissioners and Directors of the Company.
Personil manajemen kunci Perseroan.The Company's key management personnel.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan Dewan Komisaris, dan Direksi Perseroan sebagai pihak berelasi dalam Laporan Keuangan triwulanan dan tahunan Perseroan.The Company has listed the Company's Board of Commissioners and Board of Directors as related parties in the Company's quarterly and annual financial statements.
7 Premi atas penutupan asuransi. Premiums for insurance closing.
PT Asuransi Etiqa Internasional Indonesia (dahulu bernama PT Asuransi Asoka Mas) (“Etiqa”)PT Asuransi Etiqa Internasional Indonesia (formerly PT Asuransi Asoka Mas) ("Etiqa")
Hubungan afiliasi dengan Perseroan.Affiliation relationship with the Company.
Secara praktik bisnis, transaksi ini bersifat wajar.In business practices this considers a fair transaction.
Menunjang kegiatan usaha Perseroan.Supporting the Company’s business activities.
Perseroan telah memiliki kebijakan internal mengenai transaksi afiliasi yaitu pada SKb No.032/SKb/LEG/16 tanggal 16 November 2016 tentang Transaksi Afiliasi.The Company has in place the SKB on Affiliate Transactions namely SKB 032/ SKB/LEG/16 dated November 16, 2016 on the Affiliates Transactions.
Perseroan telah mencantumkan transaksi afiliasi dengan Etiqa pada prospektus aksi korporasi Perseroan.The Company has listed affiliate transactions with Etiqa on the Company's corporate action prospectus.
Kinerja KeuanganFinancial Review
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH168
PERUBAHAN PERATURAN PERUNDANG - UNDANGAN YANG BERPENGARUH SIGNIFIKAN BAGI PERUSAHAANBerikut Perubahan Peraturan Perundang-undangan yang berpengaruh signifikan terhadap Perseroan.
No PengaturanRegulations
Peraturan Perundang-Undangan Sebelumnya
Previous Regulations
Peraturan Perundang-Undangan di tahun 2019
Laws & Regulations 2019
Pengaruh Bagi PerseroanImpact for the Company
1. Penyelenggaraan Usaha Perusahaan Pembiayaan Syariah dan Unit Usaha Syariah Perusahaan Pembiayaan
Business Management of Sharia Financing Companies and and Sharia Business Unit of Financing Company
Peraturan Otoritas Jasa Keuangan Nomor 31/POJK.05/2014 tentang Penyelenggaraan Usaha Pembiayaan Syariah.
Financial Services Authority Regulation No. 31/POJK.05/2014 on the Sharia Financing Business Management.
Peraturan Otoritas Jasa Keuangan Nomor 10/POJK.05/2019 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan Syariah dan Unit Usaha Syariah Perusahaan Pembiayaan.
Dengan berlakunya peraturan ini, Peraturan Otoritas Jasa Keuangan Nomor 31/POJK.05/2014 tentang Penyelenggaraan Usaha Pembiayaan Syariah dicabut dan dinyatakan tidak berlaku.
Financial Services Authority Regulation No. 10/POJK.05/2019 on the Sharia Financing Business Management and Sharia Business Unit of Financing Company.
With the enactment of this regulation, POJK No. 31/POJK.05/2014 the Sharia Financing Business Management is revoked and declared invalid.
Perseroan melakukan penyesuaian terhadap kebijakan, prosedur dan kegiatan operasional Perseroan terkait penyelenggaraan kegiatan usaha pembiayaan syariah dalam upaya memenuhi ketentuan peraturan ini.
In an effort to meet the regulation, the Company makes adjustments to the policies, procedures and operational activities related to the sharia financing business activities.
2. Penambahan Modal Perusahaan Terbuka Dengan Memberikan Hak Memesan Efek Terlebih Dahulu
Capital Addition of Public Companies with Pre-emptive Rights
• Peraturan Otoritas Jasa Keuangan Nomor 32/POJK.04/2015 tentang Penambahan Modal Perusahaan Terbuka Dengan Memberikan Hak Memesan Efek Terlebih Dahulu.
• Peraturan Otoritas Jasa Keuangan Nomor 38/POJK.04/2014 tentang Penambahan Modal Perusahaan Terbuka Tanpa Memberikan Hak Memesan Efek Terlebih Dahulu.
• POJK No. 32/POJK.04/2015 on the Capital Addition of Public Companies with Pre-emptive Rights.
• POJK No. 38/POJK.04/2014 on the Capital Addition of Public Companies without Pre-emptive Rights.
Peraturan Otoritas Jasa Keuangan Nomor 14/POJK.04/2019 tentang Perubahan atas Peraturan Otoritas Jasa Keuangan Nomor 32/POJK.04/2015 tentang Penambahan Modal Perusahaan Terbuka Dengan Memberikan Hak Memesan Efek Terlebih Dahulu.
Dengan berlakunya peraturan ini, Peraturan Otoritas Jasa Keuangan Nomor 38/POJK.04/2014 tentang Penambahan Modal Perusahaan Terbuka Tanpa Memberikan Hak Memesan Efek Terlebih Dahulu dicabut dan dinyatakan tidak berlaku.
POJK No. 14/POJK.04/2019 on the Amendment to the POJK No. 32/POJK.04/2015 on the Capital Addition of Public Companies with Pre-emptive Rights.
With the enactment of this regulation, POJK No. 38/POJK.04/2014 on the Capital Addition of Public Companies without Pre-emptive Rights is revoked and declared invalid.
Perseroan selaku Perusahaan Terbuka akan memperhatikan dan tunduk pada ketentuan peraturan ini jika akan melakukan penambahan modal.
In the event of any intention to make additional capital, the Company as a Public Company will pay attention to and comply with the this regulation.
REGULATORY CHANGES THAT SIGNIFICANTLY IMPACTED THE COMPANYThe regulatory changes that are significantly impacted the Company are as follows.
Kinerja KeuanganFinancial Review
Horizon of GrowtH 169PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
No PengaturanRegulations
Peraturan Perundang-Undangan Sebelumnya
Previous Regulations
Peraturan Perundang-Undangan di tahun 2019
Laws & Regulations 2019
Pengaruh Bagi PerseroanImpact for the Company
3. Penilaian Kembali Bagi Pihak Utama Lembaga Jasa Keuangan Non-Bank
Reassessment of Main Entities of Non-Bank Financial Services Institutions
• Peraturan Otoritas Jasa Keuangan Nomor 04/POJK.05/2013 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama pada Perusahaan Perasuransian, Dana Pensiun, Perusahaan Pembiayaan dan Perusahaan Penjaminan.
• Peraturan Otoritas Jasa Keuangan Nomor 34/POJK.03/2018 tentang Penilaian Kembali Bagi Pihak Utama Lembaga Jasa Keuangan.
• Dengan berlakunya peraturan ini, Peraturan Otoritas Jasa Keuangan Nomor 04/POJK.05/2013 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama pada Perusahaan Perasuransian, Dana Pensiun, Perusahaan Pembiayaan dan Perusahaan Penjaminan dicabut dan dinyatakan tidak berlaku.
• POJK No. 04/POJK.05/2013 on the Fit and Proper Test for Main Entities of Insurance Companies, Pension Funds, Financing Companies and Guarantee Companies.
• POJK No. 34/POJK.03/2018 on Reassessment of Main Entities of Financial Services Institutions.
• With the enactment of this regulation, POJK No. 04/POJK.05/2013 on the Fit and Proper Test for Main Entities of Insurance Companies, Pension Funds, Financing Companies and Guarantee Companies is revoked and declared invalid.
• Surat Edaran Otoritas Jasa Keuangan Nomor 15/SEOJK.05/2019 tentang Penilaian Kembali Bagi Pihak Utama Lembaga Jasa Keuangan Non-Bank.
• SEOJK No. 15/SEOJK.05/2019 on Reassessment of Main Entities of Non-Bank Financial Services Institutions
• Pihak Utama Perseroan akan memperhatikan dan tunduk pada ketentuan peraturan ini jika terdapat kondisi perlunya penilaian kembali terhadap Pihak Utama Perseroan sebagaimana yang dimaksud dalam ketentuan peraturan ini.
• Perseroan menyampaikan laporan pengkinian data dan informasi domisili Pihak Utama Perseroan dan/atau pihak yang dapat dihubungi sebagaimana ditentukan dalam ketentuan peraturan ini.
• The Company Main Entity will take into account and comply with this regulation in the event of reassessment of Main Entity of the Company as stated in the regulation.
• The Company submitted data update report and domicile information of the Main Entity of the Company and/or concerned parties as stated in the regulation
Kinerja KeuanganFinancial Review
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH170
No PengaturanRegulations
Peraturan Perundang-Undangan Sebelumnya
Previous Regulations
Peraturan Perundang-Undangan di tahun 2019
Laws & Regulations 2019
Pengaruh Bagi PerseroanImpact for the Company
4. Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di Sektor Jasa Keuangan
Anti Money Laundering and Counter Terrorism Financing Practices in the Financial Services Sector
Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.01/2017 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di Sektor Jasa Keuangan.
POJK No. 12/POJK.01/2017 on Anti Money Laundering and Counter Terrorism Financing Practices in the Financial Services Sector
Peraturan Otoritas Jasa Keuangan Nomor 23/POJK.01/2019 tentang Perubahan atas Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.01/2017 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di Sektor Jasa Keuangan.
POJK No. 23/POJK.01/2019 on the Amendment of POJK No. 12/POJK.01/2017 on Anti Money Laundering and Counter Terrorism Financing Practices in the Financial Services Sector
• Perseroan melakukan penyesuaian terhadap kebijakan dan prosedur terkait penerapan program anti pencucian uang dan pencegahan pendanaan terorisme dalam upaya memenuhi ketentuan peraturan ini.
• Dalam rangka pemenuhan ketentuan peraturan ini, Perseroan menyampaikan laporan rencana kegiatan pengkinian data Perseroan dan laporan realisasi pengkinian data sesuai waktu yang ditentukan dalam ketentuan peraturan ini.
• The Company has adjusted its policies and procedures regarding the anti money laundering and counter terrorism financing practices to meet this regulation.
• To comply with the regulation, the Company submitted data update and realization report on data update according to this rules.
5. Rencana Bisnis Tahunan
Annual Business Plan
Pasal 52 Peraturan Otoritas Jasa Keuangan Nomor 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan
Clause 52 of POJK No. 30/POJK.05/2014 on Good Corporate Governance for Financing Companies
Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.05/2019 tentang Rencana Bisnis Lembaga Jasa Keuangan Nonbank.
Surat Edaran Otoritas Jasa Keuangan Nomor 23/SEOJK.05/2019 tentang Rencana Bisnis Perusahaan Pembiayaan dan Perusahaan Pembiayaan Syariah.
POJK No. 24/POJK.05/2019 on Business Plan of Non-Bank Financial Services Institutions.
SEOJK No. 23/SEOJK.05/2019 Business Plan of Financing Companies and Sharia Financing Companies.
Perseroan menyampaikan rencana bisnis, laporan realisasi rencana bisnis, dan laporan pengawasan rencana bisnis sesuai dengan bentuk dan susunan yang diatur dalam ketentuan peraturan ini dengan tata cara penyampaian memperhatikan dan tunduk pada ketentuan peraturan ini.
The Company submitted business plan, realization report on business plan, and oversight report on business plan according to the rules in this regulation by taking into account to the submission procedures and comply with the regulations.
6. Laporan Bulanan Perusahaan Pembiayaan
Monthly Report of Financing Companies
Surat Edaran Otoritas Jasa Keuangan Nomor 3/SEOJK.05/2016 tentang Laporan Bulanan Perusahaan Pembiayaan.
SEOJK No. 3/SEOJK.05/2016 on the Monthly Report of Financing Companies.
Surat Edaran Otoritas Jasa Keuangan Nomor 26/SEOJK.05/2019 tentang Perubahan atas Surat Edaran Otoritas Jasa Keuangan Nomor 3/SEOJK.05/2016 tentang Laporan Bulanan Perusahaan Pembiayaan.
SEOJK No. 26/SEOJK.05/2019 on the Amendment of SEOJK No. 3/SEOJK.05/2016 on the Monthly Report of Financing Companies.
Perseroan menyampaikan laporan bulanan sesuai dengan bentuk, susunan dan tata cara penyampaian yang diatur dalam ketentuan peraturan ini dimulai untuk periode laporan Bulan Juni 2020.
The Company submitted monthly report according to the formulation, arrangement and procedures of submission stipulated in the regulation starting Month of June 2020.
Kinerja KeuanganFinancial Review
Horizon of GrowtH 171PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
No PengaturanRegulations
Peraturan Perundang-Undangan Sebelumnya
Previous Regulations
Peraturan Perundang-Undangan di tahun 2019
Laws & Regulations 2019
Pengaruh Bagi PerseroanImpact for the Company
7. Laporan Bulanan Perusahaan Pembiayaan Syariah dan Unit Usaha Syariah dari Perusahaan Pembiayaan
Sharia Financing Company Monthly Report and Sharia Business Unit of Financing Company
Surat Edaran Otoritas Jasa Keuangan Nomor 4/SEOJK.05/2016 tentang Laporan Bulanan Perusahaan Pembiayaan Syariah dan Unit Usaha Syariah dari Perusahaan Pembiayaan
SEOJK No. 4/SEOJK.05/2016 concerning Sharia Financing Company Monthly Report and Sharia Business Unit of Financing Company
Surat Edaran Otoritas Jasa Keuangan Nomor 27/SEOJK.05/2019 tentang Perubahan atas Surat Edaran Otoritas Jasa Keuangan Nomor 4/SEOJK.05/2016 tentang Laporan Bulanan Perusahaan Pembiayaan Syariah dan Unit Usaha Syariah dari Perusahaan Pembiayaan
SEOJK No. 27/SEOJK.05/2019 concerning the amendment to SEOJK No. 4/SEOJK.05/2016 concerning Sharia Financing Company Monthly Report and Sharia Business Unit of Financing Company
Perseroan menyampaikan laporan bulanan untuk Unit Usaha Syariah dari Perseroan seusai dengan bentuk, susunan dan tata cara penyampaian yang diatur dalam ketentuan peraturan ini dimulai untuk periode Laporan Bulan Juni 2020.
The Company submits the monthly report for the Company’s Sharia Business Unit according to the form, composition and procedure of submission stipulated in this regulation beginning from June 2020 reporting period.
KEBIJAKAN AKUNTANSIPerusahaan telah menerapkan PSAK yang berlaku efektif pada tanggal 1 Januari 2019 yang dianggap relevan terhadap laporan keuangan sebagai berikut:a. ISAK 33, “Transaksi Valuta Asing dan Imbalan di Muka”,
mengklarifikasi penggunaan tanggal transaksi untuk menentukan kurs yang digunakan pada pengakuan awal aset, beban atau penghasilan terkait pada saat entitas telah menerima atau membayar imbalan di muka dalam valuta asing.
b. ISAK 34, “Ketidakpastian dalam Perlakuan Pajak Penghasilan”, mengklarifikasi dan memberikan panduan dalam merefleksikan ketidakpastian perlakuan pajak penghasilan dalam laporan keuangan.
c. Amendemen PSAK 24: Imbalan Kerja tentang Amendemen, Kurtailmen atau Penyelesaian Program, berlaku efektif 1 Januari 2019.
Penerapan standar akuntansi tersebut di atas dan penerapan tersebut tidak memiliki pengaruh yang signifikan terhadap laporan keuangan.
KESINAMBUNGAN USAHAManajemen Perusahaan telah melakukan penilaian atas kemampuan Perusahaan untuk melanjutkan kelangsungan usahanya dan berkeyakinan bahwa Perusahaan memiliki sumber daya untuk melanjutkan usahanya di masa mendatang. Selain itu, manajemen tidak mengetahui adanya ketidakpastian material yang dapat menimbulkan keraguan yang signifikan terhadap kemampuan Perusahaan untuk melanjutkan kelangsungan usahanya. Oleh karena itu, laporan keuangan telah disusun atas dasar usaha yang berkelanjutan.
ACCOUNTING POLICYThe Company adopted SFAS which effective on January 1, 2019 which is considered relevant to the financial statements as follows:a. IFAS 33, “Foreign Exchange Transaction and Benefits
in Advance”, clarifies the use of transaction date to determine the exchange rate used in the initial recognition of assets, expenses or corresponding revenues when the entity has accepted or paid advance considerations in foreign currencies.
b. IFAS 34, “Uncertainty over Income Tax Treatments”, clarifies and provides guidance to reflect the uncertainty of income tax treatments in the financial statements.
c. Amendments to PSAK 24: Employee Benefits regarding Amendments, Kurtailmen or Program Settlement, effective January 1, 2019.
The adoption of the new and revised accounting standards above do not have significant impact to the financial statements.
BUSINESS CONTINUITYThe Company’s management has made an assessment of the Company’s ability to continue as a going concern and is satisfied that the Company has the resources to continue in business for the foreseeable future. Furthermore, the management is not aware of any material uncertainties that may cast significant doubt upon the Company’s ability to continue as a going concern. Therefore, the financial statements continue to be prepared on the going concern basis.
Kinerja KeuanganFinancial Review
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH172
Di tengah era digital, pengembangan infrastruktur Teknologi Informasi memainkan peran penting dalam mengakselerasi pertumbuhan kegiatan operasional sebagai bagian dari strategi bisnis Perseroan.
The infrastructure development of Information Technology plays a vital role amidst the digital era in accelerating the operational activities growth as part of the Company’s business strategy.
Teknologi InformasiInformation Technology
Horizon of GrowtH 173PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Teknologi InformasiInformation Technology
Kegiatan bisnis Perseroan yang sangat dinamis membutuhkan dukungan sistem Teknologi Informasi (TI) yang memadai untuk mempermudah dan mempercepat proses bisnis, serta untuk menerima informasi secara cepat dan akurat yang akan berdampak pada pengambilan keputusan yang cepat dan tepat sasaran. Pada tahun 2019, Perseroan telah mengembangkan infrastruktur TI sebagai bagian strategis dari upaya meningkatkan efektivitas seluruh tahapan proses bisnis dengan sasaran meningkatkan produktivitas dan efisiensi kerja. Perseroan berfokus pada kebutuhan infrastruktur jangka panjang dalam mengembangkan peran strategis TI.
Pengembangan dan Kegiatan Teknologi Informasi Tahun 2019Pengembangan sistem TI yang baik dapat menciptakan layanan yang lebih cepat dan memberikan berbagai kemudahan bagi pelanggan. Optimalisasi penggunaan Teknologi Informasi diharapkan dapat memberikan nilai tambah kepada pelanggan sehingga Perseroan dapat semakin kuat menghadapi persaingan bisnis yang semakin ketat.
Pada tahun 2019, Perseroan telah berhasil menanamkan fondasi kuat berupa Implementasi Core System Baru dalam mengembangkan layanan kepada nasabah maupun memberikan proses bisnis yang berinovasi serta informasi cepat dalam bentuk teknologi yang dapat mendukung tujuan jangka panjang Perseroan untuk menjadi perusahaan pembiayaan terdepan dalam aspek TI. Pengembangan TI Perseroan di tahun 2019 menitikberatkan pada pengembangan perbaikan proses bisnis dan perbaikan infrastruktur untuk meningkatkan efisiensi dan pelayanan kepada pelanggan termasuk akses layanan langsung oleh nasabah.
Adapun inisiasi dan proyek yang telah berhasil dilakukan oleh Perseroan selama tahun 2019 adalah: 1. Implementasi pembaharuan Core System secara
menyeluruh di semua kantor jaringan Perseroan. 2. Pengadaan aplikasi untuk Job Management.3. Pengadaan IFRS9/PSAK 71 bersama dengan Maybank
Indonesia (Induk Perusahaan).4. Pengadaan aplikasi Remote Desktop Monitoring Tools
(Privileged Access Management).
The Company’s dynamic business activities requires an adequate IT support in order to simplify and speed up the business process, as well as to receive information promptly and accurately which will have an impact in a fast and targeted decision making. In 2019, the Company has been developing its IT infrastructure as part of the strategic steps to improve effectiveness in the entire business processes and to elevate work’s productivity and efficiency. In developing the IT strategic role, the Company focuses on the long-term infrastructure needs.
Information Technology Development and Activities in 2019Proper development of IT system enables faster services and delivers convenience to the customers. Optimization of the use of information technology provides added value to customers thereby strengthening the Company’s efforts in addressing increasingly competitive business environment.
The Company successfully cemented solid foundation in 2019, by Implementing New Core System to enhance customer services including to provide innovative business processes as well as efficient information through technology, while fostering the Company’s long term objectives to become the foremost financing company in the aspect of IT. To improve efficiency and services including development of direct access of services to the Customer, the Company emphasized it’s IT development toward business processes improvement development in 2019.
As such, the Company has successfully carried out various initiatives and projects during 2019, as follows:1. Updating the overall Core System in all Company’s
office networks. 2. Procurement of application for Job Management.3. Procurement of IFRS9/PSAK 71 jointly with Maybank
Indonesia (Holding Company).4. Procurement of Remote Desktop Monitoring Tools
application (Privileged Access Management ).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH174
5. Implementasi Hybrid WAN.6. Implementasi pemanfaatan data kependudukan
dan KTP elektronik bekerja sama dengan Direktorat Jenderal Kependudukan dan Pencatatan Sipil Kementerian Dalam Negeri.
Pemanfaatan TI yang optimal diharapkan dapat meningkatkan Service Level dan efisiensi biaya operasional.
Rencana Pengembangan Teknologi Informasi 2020Melanjutkan realisasi fondasi dasar TI yang kuat, Perseroan pada tahun 2020 akan melakukan pengembangan pada dunia digital untuk menunjang perkembangan bisnis Perseroan. Pengembangan dan peningkatan utilisasi aplikasi yang sudah dirilis pada tahun 2019 juga masih akan menjadi fokus pengembangan TI Perseroan. Perbaikan dalam hal kegunaan dengan menambah modul, kelancaran koneksi serta perbaikan user-interface diharapkan dapat menjadi faktor pendorong peningkatan utilisasi.
Beberapa rencana penting yang akan dijalankan oleh perusahaan pada tahun 2020 adalah:1. Implementasi pengembangan fitur Core System
Perusahaan fase 2. 2. Sales and Leased Back (SLB).3. Mempercepat proses bisnis berupa instant approval
meliputi aplikasi Automatic Data Entry, KYC (Know Your Customer), digital signature dan Total Acquisition Cost (TAC).
4. Pengadaan aplikasi Robotic Process Automation (RPA).
5. Pengembangan Dashboard Report.6. Pengadaan Application Programming Interface (API)
Management.7. Pengadaan aplikasi KAWAN untuk para pelanggan
maupun bisnis partner.
5. Implementation of Hybrid WAN.6. Utilization of population data and e-ID card
collaborating with Directorate General of Population and Civil Registration Home Affairs Ministry.
Optimum IT utilization is expected to augment Service Level and cost efficiency for the operations.
Information Technology Development Plan in 2020Continuing the strong IT basic foundations, digital development will be carried out in 2020 in order to foster the Company’s business growth. The Company will continue its focuses on the development and enhancement of IT application utilization that has been developed during 2019. Improvements on utilization through modules expansion, connection effectiveness and user-interface enhancement are several factors that expected to bolster increase of utilization.
Several key plans for implementation in 2020 are as follows:
1. Core System features development phase 2.
2. Sales and Leased Back (SLB).3. Accelerating business processes through instant
approval, which includes Automatic Data Entry, KYC (Know Your Customer), digital signature and Total Acquisition Cost (TAC).
4. Procurement of Robotic Process Automation (RPA) application.
5. Dashboard Report Development.6. Procurement of Application Programming Interface
(API) Management.7. Procurement of KAWAN application for customers
and business partners.
Teknologi InformasiInformation Technology
Horizon of GrowtH 175PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Perseroan melaksanakan komitmen pengembangan karyawan secara berkelanjutan melalui desentralisasi pelatihan di tiap regional guna mendukung proses empowerment di setiap proses pelatihan dan pendidikan bagi SDM yang tersebar di seluruh Indonesia.
WOM Finance is committed in carrying out sustainable employee development by decentralizing the training sessions in every region in order to foster empowerment process of HR trainings and education across Indonesia.
Pengelolaan Sumber Daya ManusiaHuman Resources Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH176
Seiring dengan berkembangnya era industri 4.0, Perseroan meyakini bahwa strategi pengelolaan Sumber Daya Manusia (SDM) menjadi langkah penting dalam memastikan layanan terbaik bagi konsumennya di tengah kompetisi bisnis yang ketat.
Perseroan senantiasa memastikan untuk memiliki SDM yang handal agar dapat menjawab tantangan baik secara eksternal maupun internal. Secara eksternal beberapa tantangan terjadi seperti teknologi yang berubah pesat, kondisi ekonomi yang dinamis dan pengembangan regulasi dalam industri pembiayaan. Secara internal Perseroan terus melakukan pengembangan karyawan, memberikan kesempatan pengembangan karir, serta memberikan kenyamanan dalam bekerja dan persamaan pengetahuan mengenai nilai-nilai perusahaan. Perseroan menyadari bahwa penerapan pengelolaan SDM yang tepat dapat mendukung pertumbuhan bisnis yang cepat.
HC RoadmapSebagai bentuk upaya berkelanjutan dalam tujuan utama menciptakan value proposition, yaitu menjadikan Perseroan sebagai Special Place to Work and Growth, maka Human Capital telah menerapkan roadmap 2019 yang dijabarkan sebagai berikut:1. High Performance & Culture Engagement, dengan
menjalankan strategi:a. Membangun WOM Learning Academy Program
sebagai bentuk tanggung jawab perusahaan dalam menciptakan SDM dengan pengetahuan dan keterampilan yang unggul.
b. Mengintegrasikan Pelatihan dan Berbagai Jenis Program Peningkatan Kualitas dan Loyalitas Karyawan Talent.
c. Menciptakan struktur organisasi yang efektif dan efisien untuk mendukung proses kerja yang optimal dan jalur koordinasi yang sesuai visi misi perusahaan.
d. Melaksanakan strategi penguatan internalisasi budaya perusahaan dari level Top Management sampai dengan level karyawan di tingkat terendah.
2. Membangun sistem informasi Human Capital yang mampu meningkatkan proses kerja yang dapat menunjang pelayanan kepada karyawan.
3. Memperkuat pemenuhan kebutuhan tenaga kerja secara menyeluruh recruitment channel dan penerapan recruitment management strategy.
In coherent with the development of industry 4.0 era, The Company considers the Human Resources (HR) management as an important key in ensuring the best services for its customers amid stringent business competition.
The Company always ensure to acquire reliable HR in order to address various external and internal challenges. Externally, challenges derived from rapid changes of technology, dynamic economic conditions and regulatory changes in financing industry. Internally the Company has the responsibility to carry out employee development, provide opportunity for good career path, and provide favourable working environment as well as equal introduction on the company’s values. The Company realizes proper HR management will elevate business growth.
HC RoadmapIn sustainably creating its main objectives of creating value proposition, which is to enabling The Company as Special Place to Work and Growth, the Human Capital roadmap 2019 was undertaken as follows:
1. High Performance & Culture Engagement, through the following strategies:a. Building WOM Learning Academy Program
as corporate responsibility in creating HR with excellent knowledge and skills.
b. Integrating Quality Enhancement and Talent Loyalty Trainings and Programs.
c. Creating effective and efficient organization structure to support optimum work processes and coordination that in line with the corporate vision-mission.
d. Strengthening the corporate culture internalisation strategy from Top Management level to lower ranks employees.
2. Building Human Capital information system that able to improve work process for the delivery of services to employee.
3. Strengthening the overall process of employee recruitment channel and implementation of recruitment management strategy.
Pengelolaan Sumber Daya ManusiaHuman Resources Management
Horizon of GrowtH 177PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Pengelolaan Sumber Daya ManusiaHuman Resources Management
Kebijakan & Strategi Pengelolaan Sumber Daya ManusiaPerseroan melalui Direktorat Human Capital menerapkan kebijakan dan strategi pengelolaan SDM demi tercapainya pertumbuhan dan produktivitas sesuai target Perseroan. Pada tahun 2019, Perseroan melaksanakan komitmen pengembangan karyawan secara berkelanjutan melalui desentralisasi pelatihan di tiap regional guna mendukung proses empowerment di setiap proses pelatihan dan pendidikan bagi SDM yang tersebar di seluruh Indonesia.
Sejalan dengan desentralisasi training di regional, WOM Finance kantor pusat membangun gedung Learning Center sebagai pusat pelatihan karyawan dari seluruh Indonesia baik dari level supervisor sampai dengan managerial. Learning center ini dibangun bukan hanya sebagai sarana belajar namun juga sebagai tempat bertemunya talent-talent terbaik WOM untuk saling sharing dan diskusi mengenai proses pengembangan karir mereka di WOM Finance. Learning center ini adalah bentuk komitmen manajemen untuk mewujudkan Learning culture dan mendukung proses pengembangan seluruh karyawan WOM Finance.
Di tahun 2019, beberapa inisiatif program pengembangan karyawan dilakukan guna menciptakan SDM yang unggul dan menjadi aset Perseroan dalam mendukung pertumbuhan usaha. Program tersebut antara lain:
1. Restrukturisasi learning program dengan konsep yang lebih terarah.
2. Melengkapi job description karyawan secara akurat, menyusun ulang KPI dan melakukan peninjauan ulang struktur organisasi di beberapa unit kerja.
3. Melakukan kontrol program insentif karyawan cabang mengacu kepada Budget dan Cost Benefit Ratio.
4. Mengaktivasi program penerapan budaya dan employee engagement.
5. Merancang program-program reward yang memberikan nilai tambah kepada karyawan.
6. Membangun hubungan industrial yang sehat dan konstruktif sehingga dapat memperkecil mis-komunikasi dan memastikan solusi terbaik terhadap aspirasi karyawan.
7. Memperkuat sistem HCIS (Human Capital Information System) dengan menambah kapasitas ruang penyimpanan data sehingga dapat mendukung proses pengelolaan database karyawan.
Human Resources Management Policy & StrategiesThrough its Human Capital Directorate, WOM Finance implements HR management policies and strategies to achieve growth and productivity as set out in the Company’s targets. In 2019, WOM Finance carried out its sustainable employee development commitments through training decentralization in every region in order to foster empowerment process of every HR trainings and education across Indonesia.
Aligned with the training decentralization regionally, the Company’s head office built a Learning Center as a center of training for employees from across Indonesia, both supervisor levels to the managerial levels. The Learning Center is built for studying and learning, as well as the gathering place for WOM best talents, to share and discuss their career development in the Company. This Learning Center is the manifestation of the management to realise the Learning culture and foster the enhancement process of all Company’s employees.
Various initiatives on employee development programs were undertaken in 2019, which aim to create excellent HR and become the Company’s assets in fostering business growth. The programs among others are:
1. Learning program restructuring with more directed concept.
2. Completion of accurate employee’s job description, re-formulation of KPI and re-analysing organisational structure in work units.
3. Control program for employee’s incentive of branch offices that refers to Budget and Cost Benefit Ratio.
4. Activate culture program application and employee engagement.
5. Designing reward programs of added value for employee.
6. Building sound and constructive industrial relations, hence minimizing miscommunication and ensuring the best solution toward employee’s aspirations.
7. Strengthening HCIS system (Human Capital Information System) by adding data-space capacity to support employee database management.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH178
RekrutmenPemenuhan SDM didasarkan pada standar produktivitas yang telah ditetapkan. Pada tahun 2019, Perseroan berhasil melakukan perekrutan Management Trainee sebanyak 112 (seratus dua belas) headcount (4 batch) di 7 (tujuh) Regional yang berbeda. Perekrutan Management Trainee dilakukan guna memperkuat SDM serta menciptakan Future Leader untuk Perseroan melalui pelatihan pengembangan yang komprehensif yang dilaksanakan secara internal.
Selain itu, peningkatan jumlah kandidat dilakukan melalui kerjasama dengan Universitas dan Institusi Pendidikan di wilayah yang terdapat kantor Cabang maupun kantor Regional Perseroan dengan tujuan mendapatkan lulusan terbaik. Lebih dari 40 (empat puluh) aktivitas seperti Campus Hiring, Seminar Edukasi terkait Perusahaan Pembiayaan, Job Fair dan aktivitas Rekrutmen dilakukan untuk meningkatkan branding Perseroan di Indonesia, serta meningkatkan jumlah sumber pelamar untuk Perseroan.
Perseroan juga berfokus pada perluasan informasi lowongan pekerjaan di jejaring media sosial internet seperti Instagram, Facebook dan media sosial lainnya.
Untuk mendukung program Go Green dan Go Paperless di tahun 2019, pada proses rekrutmen Perseroan mengubah proses administrasi calon karyawan menjadi online database. Dimulai dari proses pengisian formulir lamaran kerja, sampai dengan upload berkas perekrutan dilakukan secara online tanpa harus mencetak berkas atau membuat hardcopy. Hal ini meningkatkan efisiensi waktu proses perekrutan, serta jumlah database kandidat.
Pengembangan SDM Bertalenta & KarirDalam mendukung kebutuhan bisnis terkait pemenuhan SDM terutama bagi fungsi-fungsi core baik di kantor pusat dan cabang, Perseroan melakukan proses talent identification dengan mempertimbangkan potensi, kompetensi dan individual performance (aspek talenta), terutama untuk critical position dalam operasional bisnis di cabang. Salah satu proses yang dijalankan adalah melakukan proses identifikasi talent-talent menggunakan matriks talent. Proses identifikasi ini juga diverifikasi dan disepakati baik oleh user dan komite yang dibangun untuk memastikan bahwa karyawan-karyawan yang terseleksi sudah tepat.
RecruitmentHR recruitment is founded upon set productivity standards. The Company was able to recruit Management Trainee during 2019, which consisted of 112 (one hundred and twelve) headcounts (4 batches) in 7 (seven) different Regions. This recruitment was aimed at strengthening The Company HR and creating Future Leader development, which was carried out internally through comprehensive development trainings.
The candidate recruitments were also conducted through collaboration with Universities and Educational Institutions within the vicinity of Branch Offices and Regional Offices areas that aim to recruit the best candidates. More than 40 (forty) activities were organized to enhance The Company Branding in Indonesia, while increasing total sources of applications to the Company, such as Campus Hiring, Educational Seminars related to Financing Companies, Job Fairs and Recruitment.
Wider information on jobs application is also emphasized through social media, such as Instagram, Facebook and other social media.
To foster Go Green and Go Paperless program, the Company changed its recruitment process in 2019 by creating out online database for prospective employee administration process. The online method starts from completing job application form to uploading the recruitment data, without the need to print data or prepare hardcopy. This led to an increase of efficiency of recruitment process time and candidate database.
HR Talent & Career DevelopmentTo support business needs in relations to HR recruitment particularly for core functions in both head office and branch offices, the Company conducts talent identification process by considering the potential, competency and individual performance, primarily for critical positions at branch business operations. One of the processes being implemented on talents identification is talent matrix. This identification process is also verified and agreed upon by the users and committee developed to ensure proper selection of employees.
Pengelolaan Sumber Daya ManusiaHuman Resources Management
Horizon of GrowtH 179PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Pengelolaan Sumber Daya ManusiaHuman Resources Management
Dalam hal pemenuhan karyawan regular, Perseroan berhasil mencapai total pemenuhan dari internal di tahun 2019 sebesar 77% dibanding data pemenuhan eksternal. Proses pemenuhan ini berfokus pada metode pengembangan karir melalui promosi jabatan baik untuk level supervisor sampai dengan jabatan manajerial.
Beberapa program career development yang dilaksanakan selama tahun 2019 adalah sebagai berikut:
1. Management Trainee Management trainee adalah fokus organisasi untuk menghasilkan leader yang terampil dan lebih flexible untuk menjawab kebutuhan bisnis pada fungsi kerja apapun. Sumber pemenuhan karyawan di level jabatan supervisor sampai dengan manajerial yang berasal dari Management Trainee di sepanjang tahun 2019 mengalami peningkatan dibanding total karyawan yang ada yaitu sebesar 18%, sedangkan tahun 2018 tercatat sebesar 11%. Selain itu persentase pemenuhan level jabatan manajerial seperti kepala cabang dan kepala pos meningkat dari 4% pada tahun 2018 menjadi 8% pada tahun 2019.
2. WOM First Line Manager WOM First Line Manager adalah salah satu peluang karir bagi karyawan internal yang berpotensi dikembangkan untuk level jabatan yang lebih tinggi. Pada tahun 2019, Perseroan berhasil menjalankan program ini sebanyak 3 (tiga) batch didukung oleh antusiasme yang besar dari masing-masing kepala cabang dan karyawan internal untuk memiliki karir yang lebih baik.
3. WOM Managerial ProgramSelain pengembangan untuk first line manager seperti supervisor dan function head, Perseroan juga memfokuskan program pengembangan karir untuk jabatan-jabatan manajerial seperti Branch Head, Deputy Branch Head, Area Function Manager serta Kepala Pos. WOM Managerial Program berkomitmen menyiapkan talent-talent Perseroan untuk mampu dan cakap dalam menjalankan fungsi bisnis di cabang. Pada tahun 2019, Perseroan berhasil menjalankan program ini sebanyak 4 (empat) batch.
On regular employee recruitment, WOM Finance was able to record internal recruitment of 77% in 2019 compared to external recruitment. This recruitment process focused on career development through promotion from supervisors to managerial levels.
Various career development programs conducted in 2019 are as follows:
1. Management TraineeManagement trainee is an organization focus to create skilled and more flexible leaders to address business needs in any functions. During 2019, employee recruitment for supervisors to managerial levels resulted from Management Trainee increased by 18% of total existing employee, while 11% was recorded in 2018. In addition, percentage of managerial positions recruitment such as head of branch and head of post increased by 8% in 2019 from 4% in 2018.
2. WOM First Line ManagerWOM First Line Manager is one of career opportunities for internal employees that have the potential for development to higher positions. WOM Finance was able to organize 3 (three) batches of this program in 2019 that was bolstered by big enthusiasm of branch heads and internal employees aim to advance better career.
3. WOM Managerial ProgramIn addition to the first line manager development program for supervisors and function heads, the Company also emphasizes career development program for managerial positions such as Branch Head, Deputy Branch Head, Area Function Manager and Post Head. WOM Managerial Program committed to prepare the Company’s talents capable and skilled in implementing business functions at branch offices. In 2019, The Company was able to organize 4 (four) batches of this program.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH180
Program Pengembangan karir ini akan selalu ditingkatkan dan dilakukan perbaikan terus menerus mengingat pengembangan karir memberikan dampak yang baik bagi organisasi dalam meningkatkan engagement karyawan untuk semakin memaksimalkan kompetensi dan potensi yang dimiliki karyawan.
Pengembangan Kompetensi SDMKonsep Human Capital yang diadopsi oleh Perseroan mengakui bahwa tidak semua tenaga kerja adalah sama, namun dapat ditingkatkan kualitasnya dengan berinvestasi pada karyawan dalam bentuk pendidikan dan pelatihan serta pengalaman.
Mengacu pada Pasal 16 dan Pasal 82 Surat Keputusan OJK No. 28/2014 tanggal 19 November 2014, perusahaan pembiayaan wajib menyediakan anggaran biaya pelatihan dan pendidikan karyawan sekurang-kurangnya 2,5% dari total biaya tenaga kerja perusahaan. Perseroan memenuhi ketentuan ini dengan merancang program pelatihan. Secara garis besar, program pelatihan dikategorikan menjadi dua, yaitu pelatihan reguler dan pelatihan publik. Pelatihan reguler dirancang memenuhi kebutuhan kompetensi karyawan secara umum baik dari segi business process knowledge, skills serta kepemimpinan.
Guna memastikan Perseroan selalu memiliki calon pemimpin yang memadai jumlah dan kualitasnya, Perseroan juga menyelenggarakan program suksesi untuk posisi-posisi manajerial seperti kepala cabang, unit bisnis dan posisi di kantor pusat. Pada tahun 2019, Perseroan menyelenggarakan total 179 pelatihan yang menjangkau total 7.657 peserta. Tabel berikut menyajikan data pelatihan secara terperinci :
No Klasifikasi|ClassificationTotal 2019
∑RealisasiBatch|Realization Total Peserta | ParticipantsGrand Total 179 7.6571 Behavioral Competency 99 2.273 Etos Kerja | Work Ethics 1 28
Etos Kerja All Regional | Work Ethics of All Regions 75 1750
Effective Habits of Highly Effective People 2 23
WOM Supervisory Program 3 59
WOM Leadership for Manager 5 93
Pengelolaan Sumber Daya ManusiaHuman Resources Management
The Company will continuously enhance and improve career development programs, considering it will provide positive impact for organisation in enhancing its employee engagement to increasingly optimize their competencies and potentials.
HR Competencies DevelopmentThe Company adopts the Human Capital concept that recognize the differences of every employee, in which qualities can be enhanced through investment in the form of education and trainings as well as experience.
Referring to Clause 16 and 82 of OJK Decree No. 28/2014 dated November 19, 2014, the financing companies shall provide budgeting plan for employee training and education at least 2.5% of the total labour costs of the company. In compliance with this regulatory, The Company has designed training programs that are divided into two categories, i.e. regular and public trainings. Regular training is designed to develop employee competencies in general from business process knowledge, skills and leaderships.
To ensure the adequacy of prospective leaders in terms of numbers and qualifications, the Company also organizes succession program for managerial positions such as branch heads, business units and positions at head office. In 2019, the Company organized a total of 179 trainings, which reached 7,657 participants. Detailed training data is as follows :
Horizon of GrowtH 181PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Pengelolaan Sumber Daya ManusiaHuman Resources Management
No Klasifikasi|ClassificationTotal 2019
∑RealisasiBatch|Realization Total Peserta | Participants WOM Leadership for Senior Manager 1 27
Train for Trainer (Sertifikasi | Certification) 6 96
Agent of Change 6 197
2 Marketing Academy 27 777 Basic MAO MobilKu 6 116
Basic CMO MobilKu 1 125
Basic Marketing Academy MobilKu 3 92
Basic SPM 7 108
Basic MAO MotorKu 1 156
Basic DMO MotorKu 6 130
Supervisory Course MotorKu 3 50
3 Risk Academy 15 522 CR Elite 5 100
Basic Pre Credit 1 134
Basic Credit Academy 3 84
Intermediate Credit Academy 3 137
Grading AMU 1 29
Asset Management Strategic 2 38
4 Development Program 10 228 WMP 4 68
WOM Leadership for First Line Manager 2 48
In Class MT-Eksternal 4 112
5 Other 28 3.857 Wise 8 2.956 Orange 7 118
MCP & CRCP 1 16
Abaka MotorKu 1 11
PDCA for Contact Center 1 20
Metodologi Investigasi 1 34
Sustainability Report 1 15
Collection Remedial System 1 11
Mobile Survey 6 651
COSO Framework 1 25
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH182
Biaya Pengembangan Kompetensi SDMSelama tahun 2019, realisasi biaya pendidikan dan pelatihan karyawan yang telah dikeluarkan oleh Perseroan mencapai sebesar Rp23,60 miliar.
Kesejahteraan KaryawanUntuk mendukung pencapaian kinerja karyawan yang lebih optimal serta meningkatkan produktivitas karyawan, Perseroan memastikan sistem remunerasi yang diterapkan perlu memperhatikan prinsip-prinsip yang competitiveness, reliable dan applicable. Sejalan dengan hal tersebut, Perseroan menekankan pada kebijakan remunerasi berbasiskan kinerja dimana kompensasi tidak tetap yang diterima karyawan dipengaruhi oleh kontribusi dan kinerjanya, dengan memperhatikan kinerja dan kemampuan Perseroan.
Selain itu, untuk menunjang kesehatan karyawan di lingkungan Perseroan, Perseroan memiliki program kesehatan yang bernama Wellness Program, yaitu program asuransi kesehatan yang menarik dengan perbedaan batas maksimum manfaat kesehatan di tiap level jabatan dari supervisor sampai dengan senior manager. Perseroan juga menyelenggarakan program medical check-up bagi karyawan sebanyak dua kali dalam setahun, serta dalam rangka meningkatkan engagement karyawan, Perseroan menyelenggarakan berbagai kegiatan olah raga karyawan baik di cabang maupun di kantor pusat.
Rencana Pengembangan SDM Tahun 2020Untuk menyelaraskan strategi pengelolaan SDM dengan strategi bisnis yang mengusung tema People at the Core, Human Capital menetapkan langkah-langkah strategis yang akan diterapkan di tahun 2020 berupa DOTE (Development of Employee, Organizing Climate, Talent Energizer, Excellent Service).
Dalam upaya menciptakan Employee Experience Journey, Perseroan telah merancang strategi pengelolaan SDM Perseroan 2020 yang dituangkan dalam garis besar arahan kerja sebagai berikut:
HR Competency Development CostThe Company has realized a total of Rp23,60 billion for employees workshops and trainings programs during 2019.
Employee WelfaresTo encourage the achievement of employee’s optimum performance and improvement of employee’s productivity, the Company ensures the implementation of remuneration system that adheres to the principles of competitiveness, reliable and applicable. As such, The Company emphasized on remuneration policy based on merit where the invariable compensation received by employee is influenced by employee’s contribution and performance, while remain taking into consideration the Company’s performance and ability.
Moreover, to foster employee’s healthcare within the Company’s environment, The Company established Wellness Program, an attractive insurance healthcare program offering differences in health benefits maximum limits in every position level from supervisors to senior managers. The Company also organized medical chek-up program for employee twice a year, and to enhance employee engagement the Company also organizes sport activities for employees in branch offices and head office.
HR Development Plans in 2020To align HR management strategy with business strategies that conveys to the theme of People at the Core, Human Capital implements strategic measures for 2020, namely DOTE (Development of Employee, Organizing Climate, Talent Energizer, Excellent Service).
To create Employee Experience Journey, the Company has designed HR The Company 2020 management strategy, which are broadly outlined in the following directives:
Pengelolaan Sumber Daya ManusiaHuman Resources Management
Horizon of GrowtH 183PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Pengelolaan Sumber Daya ManusiaHuman Resources Management
1. Employer BrandingMemastikan kegiatan employer branding dilakukan sejak awal perekrutan untuk menarik calon kandidat-kandidat unggul. Sistem rekrutmen yang kompetitif juga dibangun melalui pengelolaan database rekrutmen yang akurat, kegiatan pencarian sumber kandidat yang efektif dan penerapan teknologi seleksi online serta sosialisasi career framework secara konsisten dan terus menerus.
2. Learning JourneyStrategi pengembangan sistem pendidikan dan pelatihan melalui media E-Learning, Kurikulum dan Metode Pelatihan yang mudah dipahami serta tepat sasaran, termasuk program pengembangan manajerial melalui program Management Trainee Internal dan Eksternal serta kegiatan WOM Managerial Program untuk mencetak SDM yang unggul.
3. Career DevelopmentProgram Talent Identification yang jelas untuk menghasilkan Talent Pool yang siap digunakan sesuai kebutuhan Perseroan.
4. Business Process Efficiency & High Productivity EmployeePeninjauan struktur organisasi di tiap divisi untuk usulan perubahan yang mendukung proses bisnis yang efektif dan efisien sejalan dengan visi misi perusahaan. Kajian terhadap produktivitas akan dilakukan untuk memastikan setiap unit kerja di isi dengan jumlah karyawan yang tepat dan produktif untuk meningkatkan efektifitas staff cost.
Demografi KaryawanPada tahun 2019, Perseroan mencatat total 3,228 karyawan, menurun dibandingkan total 3.568 karyawan pada tahun 2018. Berikut demografi karyawan Perseroan secara rinci.
1. Employer BrandingTo ensure the implementation of employer branding from initial recruitment process to attract excellent candidates. Competitive recruitment system will also be developed through accurate recruitment database management, effective hiring of candidate sources and application of online technology selection process, as well as consistent and continuous socialization of career framework.
2. Learning JourneySystem development strategy for education and training through E-Learning, easy to understand and on target Curriculums and Training Methods, including managerial development programs through Internal and External Management Trainee program, as well as WOM Managerial Program to attain excellent HR.
3. Career DevelopmentClear Talent Identification Program to deliver Talent Pool that are ready for assignment according to the Company’s needs.
4. Business Process Efficiency & High Productivity EmployeeReview of organizational structure in every division for modification proposal to foster effective and efficient business process in line with the corporate vision-mission. Review of productivity will be carried out to ensure every work unit is assigned with proper number of employees and productive to improve staff cost effectiveness.
Employees DemographyIn 2019, the Company managed a total of 3,22 8 employees, decreased from 3,568 employees in 2018. The following are details of the Company’s employee demographic.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH184
Komposisi Karyawan Berdasarkan Status Kepegawaian Employee Profile by Employment Status
Status 2019 2018 StatusKontrak 561 766 Contract
Tetap 2,665 2,800 Permanent
Percobaan 2 2 Probation
Jumlah 3,228 3,568 Total
Komposisi Karyawan Berdasarkan UsiaEmployee Profile by Age
Rentang Usia 2019 2018 Age<25 332 343 <25
25-34 1,293 1,484 25-34
35-49 1,502 1,658 35-49
>=50 101 83 >=50
Jumlah 3,228 3,568 Total
Komposisi Karyawan Berdasarkan Jenjang Pendidikan Employee Profile by Education Level
Tingkat Pendidikan 2019 2018 EducationSLTP 4 4 Junior School
SLTA 621 723 High School
Akademi 461 559 Academy
Sarjana (S1) 2,109 2,250 Bachelor (S1)
Pasca Sarjana (S2 & S3) 33 32 Magister (S2 & S3)
Total 3,228 3,568 Total
Komposisi Karyawan Berdasarkan Golongan JabatanEmployee Profile by Position Grade
Golongan Jabatan 2019 2018 Position GradeStaf & Non-staf 976 1,244 Clerical & Non Clerical
Eksekutif 1,932 2,034 Executive
Manajemen 290 253 Management
Senior Manajemen 40 37 Senior Management
Total 3,228 3,568 Total
Pengelolaan Sumber Daya ManusiaHuman Resources Management
Horizon of GrowtH 185PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019A
nA
LISIS &PeM
bA
HA
SAn
MA
nA
jeMen
Managem
ent’s Discussion &
Analysis
Tata Kelola PerusahaanCorporate Governance
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH188
Tata Kelola PerusahaanCorporate Governance
Perseroan berkomitmen untuk terus meningkatkan implementasi prinsip-prinsip Tata Kelola Perusahaan yang Baik sesuai dengan ketentuan peraturan perundang-undangan
the Company is committed to continuing to improve the Good Corporate Governance implementation principles in accordance with applicable laws
Dasar-dasar Pelaksanaan GCGPelaksanaan tata kelola perusahaan yang baik Good Corporate Governance atau GCG di Perseroan didasarkan pada standar penerapan pada industri keuangan, dengan mengacu pada berbagai ketentuan baik ketentuan internal maupun ketentuan peraturan perundang-undangan dan best practice yang berlaku di industri keuangan.
Ketentuan internal maupun ketentuan peraturan perundang-undangan yang dimaksud meliputi antara lain:1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan
Terbatas.2. Undang-undang No. 8 Tahun 1995 tentang Pasar
Modal.3. Peraturan Otoritas Jasa Keuangan (“POJK”) dan Surat
Edaran otoritas Jasa Keuangan (“SEOJK”) antara lain:
i. POJK No. 18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan.
GCG Implementation ReferencesThe Good Corporate Governance or GCG implementation in the Company is based on the standards of application in the financial industry, with reference to various provisions both internal and legal, and best practices that apply in the financial industry.
The internal rules and the laws and regulations referred to include, among others:1. Law No. 40 of 2017 regarding the Limited Liability
Company.2. Law No. 8 of 1995 regarding the Capital Market
3. Financial Services Authority Regulations (”POJK”) and Financial Services Authority Circular Letters (”SEOJK”), among others:i. POJK No. 18/POJK.03/2014 on the
Implementation of Integrated Governance for Financial Conglomerates.
Horizon of GrowtH 189PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
profil peru
sah
aa
nC
ompany Profile
an
alisis &
pemb
ah
asa
n m
an
ajem
enM
anagement’s D
iscussion & A
nalysis
ii. POJK No. 17/POJK.03/2014 tentang Penerapan Manajemen Risiko Terintegrasi Bagi Konglomerasi Keuangan.
iii. POJK No. 28/POJK.05/2014 tentang Perizinan Usaha dan Kelembagaan Perusahaan Pembiayaan.
iv. POJK No. 35/POJK.05/2018 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan.
v. POJK No. 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan.
vi. POJK No. 33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten Atau Perusahaan Publik.
vii. POJK No. 21/POJK.04/2015 tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka.
viii. POJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan.
ix. POJK No. 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik Dalam Kegiatan Jasa Keuangan.
x. POJK No.35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik.
ii. POJK No. 17/POJK.03/2014 on the Implementation of Integrated Risk Management for Financial Conglomerates.
iii. POJK No. 28/POJK.05/2014 on Financing Companies’ Business Licenses and Institutional.
iv. POJK No. 35/POJK.05/2018 on the Financing Companies Business Implementation.
v. POJK No. 30/POJK.05/2014 on Good Corporate Governance for Financing Companies.
vi. POJK No. 33/POJK.04/2014 on the Board of Directors and Board of Commissioners of Issuers or Public Companies.
vii. POJK No. 21/POJK.04/2015 on the Implementation of Governance Guidelines for Public Companies.
viii. POJK No. 27/POJK.03/2016 on the Fit and Proper Test for Main Parties of the Financial Services Institutions.
ix. POJK No. 13/POJK.03/2017 on the Use of Public Accountant and Public Accountant Firm Services in the Financial Services Activities.
x. POJK No. 35/POJK.04/2014 on the Corporate Secretary of Issuers or Public Companies.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH190
xi. POJK No. 56/POJK.04/2015 tentang Pembentukan dan Pedoman Penyusunan Piagam Unit Audit Internal.
xii. POJK No. 11/POJK.04/2017 tentang Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka.
xiii. POJK No. 10/POJK.05/2019 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan Syariah dan Unit Usaha Syariah Perusahaan Pembiayaan.
xiv. SEOJK No. 15/SEOJK.05/2016 tentang Laporan Penerapan Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan.
xv. SEOJK Nomor 36/SEOJK.03/2017 tentang Tata Cara Penggunaan Jasa Akuntan Publik Dan Kantor Akuntan Publik Dalam Kegiatan Jasa Keuangan.
xvi. SEOJK No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Terbuka.
4. Anggaran Dasar Perseroan.5. Peraturan Internal Perseroan (Kode Etik dan Pedoman
Tingkah Laku, Pedoman Tata Kelola Perusahan yang Baik, Piagam Direksi, Piagam Dewan Komisaris, dan Piagam-Piagam Komite yang berada di bawah Direksi dan Dewan Komisaris).
Penerapan Prinsip-Prinsip GCGPrinsip-prinsip Tata Kelola Perusahaan yang Baik yang terdapat dalam ketentuan peraturan perundang-undangan yang berlaku di Indonesia menjadi pedoman praktik penerapan Tata Kelola Perusahaan yang Baik yang ada di Perseroan. Dengan berlandaskan pada pandangan tersebut dan untuk mendukung visi Perseroan sebagai salah satu Perusahaan Pembiayaan terbaik di Indonesia dengan menerapkan Tata Kelola Perusahaan Yang Baik, Perseroan berkomitmen untuk terus meningkatkan implementasi prinsip-prinsip Tata Kelola Perusahaan yang Baik sesuai dengan ketentuan peraturan perundang-undangan yang berlaku dan perkembangan best practices dalam tata kelola perusahaan.
Prinsip Tata Kelola Perusahaan yang BaikBerdasarkan POJK No. 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan dan SEOJK Nomor 15/SEOJK.05/2016 tentang Laporan Penerapan Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan, penerapan tata kelola bagi perusahaan pembiayaan harus senantiasa berlandaskan pada 5 (lima) prinsip dasar, yaitu keterbukaan transparency, akuntabilitas accountability, pertanggungjawaban responsibility, kemandirian independency, dan kesetaraan dan kewajaran fairness.
Tata Kelola PerusahaanCorporate Governance
xi. POJK No. 56/POJK.04/2015 on the Establishment and Development of Internal Audit Unit Charter.
xii. POJK No. 11/POJK.04/2017 on Ownership Report or Every Share Ownership Change of a Public Company.
xiii. POJK No. 10/POJK.05/2019 on Sharia Financing Company Business Implementation and Financing Company Sharia Business Unit.
xiv. SEOJK No. 15/SEOJK.05/2016 on Reports on the Implementation of Good Corporate Governance for Financing Companies
xv. SEOJK No. 36/SEOJK.03/2017 on the Procedures of the Public Accountant and Public Accountant Firm Services Use in the Financial Services Activities.
xvi. SEOJK No. 32/SEOJK.04/2015 concerning Guidelines for Good Corporate Governance Public Company.
4. Company's Articles of Association.5. Internal Company Regulations (Code of Ethics and
Code of Conduct, Guidelines for Good Corporate Governance, Board of Directors 'Charter, Board of Commissioners' Charter, and Committee Charter under the Directors and Board of Commissioners).
GCG PrinciplesThe principles of Good Corporate Governance contained in the prevailing laws and regulations in Indonesia serve as guidelines for the practice of Good Corporate Governance implementationin the Company. Based on this principle and to support the Company’s Vision as one of the best Financing Companies in Indonesia by Good Corporate Governance implementation, the Company is committed to continuing to improve the Good Corporate Governance implementation principles in accordance with applicable laws and regulations and the development of best practices in corporate governance.
Principles of Good Corporate GovernanceBased on POJK No. 30/POJK.05/2014 concerning Good Corporate Governance for Financing Companies and SEOJK Number 15/SEOJK.05/2016 concerning Reports on the Implementation of Good Corporate Governance for Financing Companies, the application of governance for finance companies must always be based on 5 (five) basic principles: transparency, accountability, responsibility, independency, and fairness.
Horizon of GrowtH 191PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
Prinsip-Prinsip Tata Kelola Perusahaan yang
BaikGood Corporate
Governance Principles
Pemenuhan Terhadap Prinsip Tata Kelola Perusahaan yang Baik
Good Corporate Governance Principles Fullfilment
KeterbukaanTransparency
• Keterbukaan dalam proses pengambilan keputusanPerseroan telah menerapkan keterbukaan dalam proses pengambilan keputusan pada rapat Direksi, rapat Dewan Komisaris, dan rapat komite-komite di bawah Dewan Komisaris serta Direksi Perseroan. Hal dimaksud tercermin dalam risalah rapat Direksi, rapat Dewan Komisaris dan rapat komite-komite di bawah Dewan Komisaris serta Direksi Perseroan.
• Keterbukaan dalam pengungkapan dan penyediaan informasi yang relevan - Perseroan telah mencantumkan
informasi yang dibutuhkan oleh debitur/konsumen didalam perjanjian pembiayaan/akad pembiayaan;
- Perseroan telah menyampaikan laporan-laporan kepada Otoritas Jasa Keuangan sesuai dengan ketentuan;
- Perseroan mengungkapkan informasi dengan jelas dan mudah diakses oleh para pemangku kepentingan dengan cara mengungkapkan informasi penting dengan memperhatikan tata cara yang diatur dalam ketentuan perundang-undangan yang berlaku, dengan cara antara lain pemanfaatan website Perseroan untuk menyediakan pengungkapan informasi termasuk berupa Laporan Tahunan, Laporan Keuangan, dan laporan-laporan atau pengungkapan-pengungkapan lainnya yang dipersyaratkan sesuai ketentuan peraturan perundang-undangan yang berlaku.
• Transparency in the decision making processThe Company has implemented transparency in the decision making process at Directors' meetings, Board of Commissioners meetings, and committee meetings under the Board of Commissioners and Directors of the Company. This is reflected in the minutes of the Board of Directors’ meetings, Board of Commissioners' meetings and meetings of the committees under the Board of Commissioners and Directors of the Company.
• Transparency in disclosing and providing relevant information - The Company has included the
information needed by the debtor/consumer in the financing agreement;
- The Company has submitted reports to the Financial Services Authority in accordance with the provisions;
- The Company discloses information in a clear way and is easily accessed by stakeholders by disclosing important information by taking into account the procedures set out in the applicable laws and regulations, by means of, among others, utilizing the Company's website to provide information disclosure including Annual Reports, Financial Statements, and other reports or disclosures that are required in accordance with applicable laws and regulations.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH192
Prinsip-Prinsip Tata Kelola Perusahaan yang
BaikGood Corporate
Governance Principles
Pemenuhan Terhadap Prinsip Tata Kelola Perusahaan yang Baik
Good Corporate Governance Principles Fullfilment
AkuntabilitasAccountability
• Penetapan Fungsi, Kegiatan, dan Tugas Perseroan telah memiliki uraian tugas, wewenang dan tanggung jawab atas seluruh fungsi dalam struktur organisasi Perseroan sesuai dengan visi, misi, dan nilai-nilai dasar Perseroan.
• Pertanggungjawaban Dewan Komisaris dan Direksi kepada Pemegang Saham Melalui Rapat Umum Pemegang Saham Tahunan, Dewan Komisaris dan Direksi mempertanggungjawabkan kinerjanya kepada Pemegang Saham.
• Kode EtikPerseroan telah memiliki Peraturan Perusahaan, Kode Etik dan Pedoman Tingkah Laku yang menjadi acuan dalam berperilaku bagi seluruh karyawan.
• Sistem Pendeteksian DiniPerseroan telah memiliki kebijakan terkait sistem early warning system (sistem pendeteksian dini) yang tertuang dalam Corporate Business Countinuity Management (BCM) Framework.
• Sistem Penghargaan dan HukumanPerseroan telah memiliki kebijakan terkait sistem penghargaan dan hukuman reward and punishment system antara lain Peraturan Perusahaan yang mengatur mengenai pengupahan, tunjangan, bantuan, dan fasilitas; jaminan sosial dan kesejahteraan; ketentuan cuti; sanksi; tingkatan pelanggaran dan pengenaan sanksi; dan pemutusan hubungan kerja.
• Determination of Functions, Activities and TasksThe Company has a description of the duties, authority and responsibility for all functions in the Company's organizational structure in accordance with the vision, mission, and basic values of the Company.
• Accountability of the Board of Commissioners and Directors to ShareholdersThrough the Annual General Meeting of Shareholders, the Board of Commissioners and Board of Directors are accountable for their performance to the Shareholders.
• Code of EthicsThe Company has Company Regulations, Code of Ethics and Code of Conduct that serve as a reference for behavior for all employees.
• Early Detection SystemThe Company has a policy related to the early warning system / early detection system contained in the Corporate Business Countinuity Management (BCM) Framework.
• Reward and Punishment SystemsThe Company has policies related to the reward and punishment system, such as the Company Regulations which regulate wages, benefits, assistance and facilities; social security and welfare; leave provisions; penalty; degree of violation and imposition of sanctions; and termination of employment.
Tata Kelola PerusahaanCorporate Governance
Horizon of GrowtH 193PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
Prinsip-Prinsip Tata Kelola Perusahaan yang
BaikGood Corporate
Governance Principles
Pemenuhan Terhadap Prinsip Tata Kelola Perusahaan yang Baik
Good Corporate Governance Principles Fullfilment
PertanggungjawabanResponsibility
• Tanggung Jawab Direksi atas Penerapan Manajemen RisikoPerseroan telah memiliki Pedoman Manajemen Risiko serta telah membentuk Komite Pemantau Risiko Risk Oversight Committee dan Komite Manajemen Risiko Risk Management Committee.
• Tanggung Jawab kepada DebiturPerseroan telah menjelaskan hal-hal yang perlu diketahui oleh calon konsumen/debitur ketika akan menandatangani perjanjian. Selain itu, dalam penanganan pengaduan, Perseroan telah memiliki kebijakan terkait penanganan pengaduan.
• Tanggung Jawab SosialPerseroan telah melaksanakan kegiatan tanggung jawab sosial untuk periode 2019.
• Perseroan selalu berpegang pada prinsip kehati-hatian dan peraturan yang berlaku dalam melaksanakan kegiatan usahanya.
• Responsibilities of the Board of Directors for the Implementation of Risk ManagementThe Company already has Risk Management Guidelines and has established a Risk Oversight Committee and Risk Management Committee.
• Responsibility to DebtorsThe Company has explained things that potential customers/debtors need to know when signing an agreement. In addition, in the case of complaints that needs handling, the Company has a policy related to complaint handling.
• Social ResponsibilityThe Company has carried out social responsibility activities for the period 2019.
• The Company always adheres to the prudential principles and regulations that apply in carrying out its business activities.
KemandirianIndependency
Perseroan dikelola secara mandiri dan profesional serta bebas dari segala tekanan dan intervensi dari pihak lain. Perseroan senantiasa menghindari segala bentuk benturan kepentingan.
The Company is independently and professionally managed, and is free from all pressures and interventions from other parties. The Company always avoids all forms of conflict of interest.
Kesetaraan dan kewajaran Fairness
Perseroan senantiasa memperhatikan kepentingan seluruh Stakeholders berdasarkan azas kesetaraan dan kewajaran equal treatment. Seluruh Stakeholders mempunyai akses terhadap informasi sesuai dengan prinsip keterbukaan.
The Company always pays attention to the interests of all Stakeholders based on the principle of equal treatment. All stakeholders have access to information in accordance with the principle of transparency.
Penerapan Pedoman GCGBerdasarkan Pasal 3 POJK No. 21/POJK.04/2015 tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka yang pada intinya menyatakan bahwa Perusahaan Terbuka wajib mengungkapkan informasi mengenai penerapan atas rekomendasi dalam Pedoman Tata Kelola sebagaimana dimaksud pada SEOJK No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Terbuka, maka penerapan tersebut adalah sebagai berikut:
GCG Guidelines ApplicationBased on Article 3 POJK No. 21/POJK.04/2015 concerning the Implementation of the Guidelines for Public Company Governance which in essence states that the Public Company must disclose information regarding the implementation of recommendations written in the Governance Guidelines as referred to in SEOJK No. 32/SEOJK.04/2015 concerning Guidelines for Good Corporate Governance Public Company, the implementation is as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH194
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
A. Aspek Hubungan Perusahaan Terbuka dengan Pemegang Saham Dalam Menjamin Hak-Hak Pemegang SahamAspects of Public Company’s relations with Shareholders in Guaranteeing the Rights of Shareholders
Prinsip 1 | Principle 1Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS).IncreasetheValueofOrganizingaGeneralMeetingofShareholders(GMS).
1.1 Perusahaan terbuka memiliki cara atau prosedur teknis pengumpulan suara voting baik secara terbuka maupun tertutup yang mengedepankan independensi dan kepentingan pemegang saham.
Public companies have methods or procedures for voting both publicly and privately that prioritize the independence and interests of shareholders.
Implementasi: Sesuai
Teknis pengumpulan suara dalam RUPS Perseroan diatur dalam Tata Tertib RUPS (disampaikan kepada pemegang saham yang hadir sebelum penyelenggaraan RUPS) dan dalam Anggaran Dasar Perseroan untuk mengedepankan independensi dan kepentingan pemegang saham.
Dalam RUPS Tahunan dan RUPS Luar Biasa yang diselenggarakan pada tanggal 12 Maret 2019 serta RUPS Luar Biasa yang diselenggarakan pada tanggal 10 Oktober 2019, teknis pengumpulan suara terkait setiap usul yang diajukan dalam setiap mata acara RUPS dilakukan secara lisan dengan meminta kepada pemegang saham, dan/atau kuasanya untuk mengangkat tangan bagi yang memberikan suara tidak setuju dan abstain, sedangkan yang memberikan suara setuju tidak diminta mengangkat tangan. Selanjutnya, suara pemegang saham dan/atau kuasanya yang tidak setuju dan abstain akan dihitung oleh notaris.
Terhadap suara abstain dianggap mengeluarkan suara yang sama dengan suara mayoritas pada pemegang saham yang mengeluarkan suara.
Implementation: Appropriate
The vote collection technique in the Company's GMS is regulated in the GMS Rules (submitted to shareholders who were present before the holding of the GMS) and in the Company's Articles of Association to prioritize the independence and interests of shareholders.
In the Annual GMS and Extraordinary GMS held on March 12, 2019 and the Extraordinary GMS held on October 10, 2019, the technical vote collection related to each proposal submitted in each GMS agenda was conducted verbally by requesting to shareholders, and / or their attorney to raise their hands for those who vote disagree and abstain, while those who vote agree are not asked to raise their hands. Furthermore, the votes of shareholders and / or their attorneys who disagree and abstain will be counted by a notary.
Abstention is considered to issue the same votes as the majority vote for voting shareholders.
Horizon of GrowtH 195PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
1.2 Seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan Terbuka hadir dalam RUPS Tahunan.
All members of the Board of Directors and members of the Board of Commissioners of the Public Company are present at the Annual GMS.
Implementasi: Jelaskan
Seluruh anggota Direksi dan Dewan Perseroan hadir pada saat RUPS Tahunan tanggal 12 Maret 2019, kecuali 2 (dua) orang Dewan Komisaris yang berhalangan hadir.Anggota Direksi dan Dewan Komisaris yang hadir dapat mewakili Perseroan untuk memberikan penjelasan kepada pemegang saham atas setiap agenda RUPS Tahunan sehingga RUPS Tahunan dapat dilaksanakan dengan baik.
Implementation: Explain
All members of the Board of Directors and the Board of the Company were present at the Annual GMS on March 12, 2019, except for 2 (two) Board of Commissioners who were unable to attend.Members of the Board of Directors and Board of Commissioners present can represent the Company to provide an explanation to shareholders on each Annual GMS Agenda so that the Annual GMS can be carried out properly.
1.3 Ringkasan risalah RUPS tersedia dalam Situs Web Perusahaan Terbuka paling sedikit selama 1 (satu) tahun.
A summary of the GMS minutes is available on the Public Company Website for at least 1 (one) year.
Implementasi: Sesuai
Perseroan telah mempublikasikan ringkasan risalah RUPS pada halaman website Perseroan dan tersedia selama lebih dari 1 (satu) tahun. Ringkasan risalah RUPS Tahunan dapat diunduh pada www.wom.co.id.
Implementation: Appropriate
The Company has published the Summary of the GMS minutes at the Company’s website page, and will be available for more than 1 (one) year. The summary of the GMS minutes can be downloaded at www.wom.co.id.
Prinsip 2 | Principle 2Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.Improving the Public Company’s Quality of Communication with the Shareholders or Investor
2.1 Perusahaan Terbuka memiliki suatu kebijakan komunikasi dengan pemegang saham atau investor.
Public Companies have a policy of communication with the sharehoders or investors.
Implementasi: Sesuai
Perseroan telah menyusun dan menerbitkan kebijakan yang mengatur mengenai komunikasi dengan publik termasuk kepada pemegang saham maupun investor.
Implementation: Appropriate
The Company has compiled and issued a policy governing communication with the public including shareholders and investors.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH196
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
2.2 Perusahaan Terbuka mengungkapkan kebijakan komunikasi Perusahaan Terbuka dengan pemegang saham atau investor dalam Situs Web.
The Public Company discloses its communication policy with shareholders or investors on the Website.
Implementasi: Sesuai
Perseroan telah mengungkapkan kebijakan yang mengatur mengenai komunikasi dengan publik termasuk kepada pemegang saham maupun investor pada website Perseroan (www.wom.co.id).
Implementation: Appropriate
The Company has disclosed policies governing communication with the public including shareholders and investors on the Company's website (www.wom.co.id).
B. Aspek Fungsi dan Peran Dewan KomisarisAspects of Board of Commissioners’ Functions and Roles
Prinsip 3 | Principle 3Memperkuat Keanggotaan dan Komposisi Dewan KomisarisStrengthening the Board of Commissioners’ Membership and Compostition
3.1 Penentuan jumlah anggota Dewan Komisaris mempertimbangkan kondisi Perusahaan Terbuka.
The Board of Commissioners’ number of members determination takes into account the Public Company’s conditions.
Implementasi: Sesuai
Jumlah anggota Dewan Komisaris Perseroan telah sesuai dengan ketentuan dan telah mempertimbangkan kebutuhan, kondisi dan kemampuan Perseroan.
Per Desember 2019, Dewan Komisaris Perseroan berjumlah 5 (lima) orang, dimana 40% merupakan Komisaris Independen. Jumlah anggota Dewan Komisaris tidak melebihi jumlah anggota Direksi.
Implementation: Appropriate
The number of members of the Board of Commissioners of the Company is in accordance with the provisions and has considered the needs, conditions and abilities of the Company.
As of December 2019, the Company's Board of Commissioners numbered 5 (five) people, of which 40% were Independent Commissioners. The number of members of the Board of Commissioners does not exceed the number of members of the Board of Directors.
Horizon of GrowtH 197PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
3.2 Penentuan komposisi anggota Dewan Komisaris memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan.
The Board of Commissioners member composition determination takes into account the diversity of expertise, knowledge and experience required.
Implementasi: Sesuai
Penentuan komposisi anggota Dewan Komisaris dilakukan dengan memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan untuk mendukung pelaksanaan tugasnya selaku anggota Dewan Komisaris. Komposisi Dewan Komisaris Perseroan telah mencerminkan keberagaman anggotanya, baik dalam hal pendidikan (bidang studi), pengalaman kerja, usia, yang dapat dilihat dari profil masing-masing anggota Dewan Komisaris Perseroan.
Implementation: Appropriate
The Board of Commissioners member composition determination is done by taking into account the diversity of expertise, knowledge, and experience needed to support the implementation of its duties as a member of the Board of Commissioners. The composition of the Company's Board of Commissioners reflects the diversity of its members, both in terms of education (field of study), work experience, and age, which can be seen from the profile of each member of the Company's Board of Commissioners.
Prinsip 4 | Principle 4Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan KomisarisImproving the Board of Commissioners’ Duties and Responsibilities Implementation Quality
4.1 Dewan Komisaris mempunyai kebijakan penilaian sendiri self-assessment untuk menilai kinerja Dewan Komisaris.
The Board of Commissioners has a self-assessment policy to assess the performance of the Board of Commissioners.
Implementasi: Sesuai
Kebijakan penilaian Dewan Komisaris diatur dalam Piagam Dewan Komisaris yang dapat diakses melalui website Perseroan www.wom.co.id.
Dalam Piagam Dewan Komisaris tersebut mengatur bahwa penilaian kinerja Dewan Komisaris dilakukan secara berkala dalam rangka peningkatan kualitas pelaksanaan tugas dan tanggung jawab Dewan Komisaris serta berdasarkan pada tolak ukur yang disusun oleh Komite Nominasi dan Remunerasi.
Implementation: Appropriate
The Board of Commissioners assessment policy is regulated in the Board of Commissioners Charter which can be accessed through the Company's website www.wom.co.id.
The Charter of the Board of Commissioners regulates that the performance evaluation of the Board of Commissioners is carried out regularly in order to improve the quality of the implementation of the duties and responsibilities of the Board of Commissioners and is based on benchmarks prepared by the Nomination and Remuneration Committee.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH198
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
4.2 Kebijakan penilaian sendiri self assessment untuk menilai kinerja Dewan Komisaris, diungkapkan melalui Laporan Tahunan Perusahaan Terbuka.
The self-assessment policy to evaluate the performance of the Board of Commissioners is disclosed through the Annual Report of the Public Company.
Implementasi: Sesuai
Kebijakan penilaian Dewan Komisaris telah diatur dalam Piagam Dewan Komisaris, dan hasil penilaian Dewan Komisaris diungkapkan dalam Laporan Tahunan Perseroan.
Implementation: Appropriate
The Board of Commissioners assessment policy has been set in the Board of Commissioners Charter, and the Board of Commissioners assessment results are disclosed in the Company's Annual Report.
4.3 Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan Komisaris apabila terlibat dalam kejahatan keuangan.
The Board of Commissioners has a policy regarding the resignation of members of the Board of Commissioners when involved in financial crimes.
Implementasi: Sesuai
Dalam Piagam Dewan Komisaris Perseroan terdapat ketentuan bahwa jabatan anggota Dewan Komisaris dapat berakhir jika anggota Dewan Komisaris yang bersangkutan tidak lagi memenuhi persyaratan peraturan perundang-undangan yang berlaku.
Persyaratan peraturan perundang-undangan yang berlaku yang dimaksud dalam Piagam Dewan Komisaris tersebut mencakup juga persyaratan yang diatur dalam POJK No. 33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten Atau Perusahaan Publik yang menyebutkan bahwa anggota Dewan Komisaris selama menjabat harus memenuhi persyaratan tidak pernah dihukum karena melakukan tindak pidana yang merugikan keuangan negara dan/atau yang berkaitan dengan sektor keuangan.
Implementation: Appropriate
In the Company's Board of Commissioners' Charter there is a provision that the position of member of the Board of Commissioners may end if the relevant member of the Board of Commissioners no longer meets the requirements of the applicable laws and regulations.
The prevailing statutory requirements referred to in the Board of Commissioners' Charter also include the requirements stipulated in POJK No. 33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies which states that members of the Board of Commissioners during their tenure must fulfill the requirements of never having been convicted of a criminal offense that is detrimental to the country's finances and / or related to the financial sector.
Horizon of GrowtH 199PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
4.4 Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi dan Remunerasi menyusun kebijakan suksesi dalam proses Nominasi anggota Direksi.
The Board of Commissioners or Committees that carry out the Nomination and Remuneration functions formulates a succession policy in the Nomination process for members of the Board of Directors.
Implementasi: Sesuai
Komite Nominasi dan Remunerasi memiliki tugas dan tanggungjawab terkait dengan fungsi nominasi diantaranya menyusun dan memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai kebijakan suksesi atas nominasi anggota Direksi.
Implementation: Appropriate
The Nomination and Remuneration Committee has duties and responsibilities related to the nomination function including drafting and providing recommendations to the Company's Board of Commissioners regarding the succession policy on the nomination of members of the Board of Directors.
C. Aspek Fungsi dan Peran Direksi | Aspects of Board of Directors Functions and Roles
Prinsip 5 | Principle 5Memperkuat Keanggotaan dan Komposisi DireksiStrengthening the Boards of Directors Membership and Compositions
5.1 Penentuan jumlah anggota Direksi mempertimbangkan kondisi Perusahaan Terbuka serta efektifitas dalam pengambilan keputusan.
Determination of the Board of Directors member numbers takes into account the condition of the Public Company and its effectiveness in decision making.
Implementasi: Sesuai
Jumlah anggota Direksi Perseroan telah sesuai dengan ketentuan dan telah mempertimbangkan kebutuhan, kondisi dan kemampuan Perseroan.
Per Desember 2019, Direksi berjumlah 5 (lima) orang.
Implementation: Appropriate
The Company’s Board of Director’s member number is in accordance with the provisions and has taken into account the needs, conditions and abilities of the Company.
As of December 2019, there were 5 (five) Directors.
5.2 Penentuan komposisi anggota Direksi memperhatikan, keberagaman keahlian, pengetahuan dan pengalaman yang dibutuhkan.
Determination of the Board of Directors’ member composition pays attention to the diversity of expertise, knowledge and experience required.
Implementasi: Sesuai
Penentuan komposisi anggota Direksi dilakukan dengan memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan untuk mendukung pelaksanaan tugasnya selaku anggota Direksi. Komposisi anggota Direksi Perseroan telah mencerminkan keberagaman anggotanya, baik dalam hal pendidikan (bidang studi), pengalaman kerja, usia yang dapat dilihat dari profil masing-masing anggota Direksi Perseroan.
Implementation: Appropriate
Determination of the Board of Directors member composition is done by taking into account the diversity of expertise, knowledge, and experience needed to support the implementation of its duties as a member of the Board of Directors. The composition of members of the Board of Directors of the Company has reflected the diversity of its members, both in terms of education (field of study), work experience, age which can be seen from the profile of each member of the Company's Board of Directors.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH200
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
5.3 Anggota Direksi yang membawahi bidang akuntansi atau keuangan memiliki keahlian dan/atau pengetahuan di bidang akuntansi.
Board of Directors’s members who are in charge of accounting or finance have expertise and/or knowledge in accounting.
Implementasi: Sesuai
Anggota Direksi yang membawahi bidang akuntansi dan keuangan memiliki pengalaman di bidang keuangan dan akuntansi.
Informasi lebih lanjut, mohon melihat profil Bapak Zacharia Susantadiredja (Direktur dan Corporate Secretary Perseroan).
Implementation: Appropriate
Board of Directors’ members who are in charge of accounting and finance have experience in finance and accounting.
For further information, please see the profile of Mr. Zacharia Susantadiredja (Director and Corporate Secretary of the Company).
Prinsip 6 | Principle 6Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.Improving the Board of Directors’ Duties and Responsibilities Implementation Quality
6.1 Direksi mempunyai kebijakan penilaian sendiri self assessment untuk menilai kinerja Direksi.
The Board of Directors has a self-assessment policy to assess the performance of the Board of Directors.
Implementasi: Sesuai
Kebijakan penilaian Direksi diatur dalam Piagam Direksi yang dapat diakses melalui website Perseroan www.wom.co.id.
Dalam Piagam Direksi tersebut mengatur bahwa penilaian kinerja Direksi ditetapkan dalam Key Performance Indicator (KPI), serta evaluasi kinerja Direksi dilakukan secara mandiri self assessment untuk disampaikan kepada Komite Nominasi dan Remunerasi untuk dievaluasi. Hasil evaluasi Komite Nominasi dan Remunerasi akan disampaikan kepada Dewan Komisaris.
Implementation: Appropriate
Directors' assessment policies are regulated in the Directors' Charter which can be accessed through the Company's website www.wom.co.id.
The Charter of the Directors stipulates that the assessment of the performance of the Directors is stipulated in the Key Performance Indicator (KPI), and the performance evaluation of the Directors is carried out independently (self assessment) to be submitted to the Nomination and Remuneration Committee for evaluation. The evaluation results of the Nomination and Remuneration Committee will be submitted to the Board of Commissioners.
Horizon of GrowtH 201PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
No. RekomendasiRecommendations
PelaksanaanImplementations
6.2 Kebijakan penilaian sendiri self assessment untuk menilai kinerja Direksi diungkapkan melalui laporan tahunan Perusahaan Terbuka.
The self-assessment policy to assess the performance of the Directors is disclosed through the annual report of the Public Company.
Implementasi: Sesuai
Kebijakan penilaian Direksi telah diatur dalam Piagam Direksi dan penilaian kinerja Direksi diungkapkan dalam Laporan Tahunan Perseroan.
Implementation: Appropriate
The Directors' appraisal policy has been regulated in the Directors' Charter, and the Directors' performance appraisal is disclosed in the Company's Annual Report.
6.3 Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi apabila terlibat dalam kejahatan keuangan.
The Board of Directors has a policy related to the resignation of members of the Board of Directors when involved in financial crimes .
Implementasi: Sesuai
Dalam Piagam Direksi terdapat ketentuan bahwa jabatan anggota Direksi dapat berakhir jika anggota Direksi yang bersangkutan tidak lagi memenuhi persyaratan peraturan perundang-undangan yang berlaku.
Persyaratan peraturan perundang-undangan yang berlaku yang dimaksud dalam Piagam Direksi tersebut mencakup juga persyaratan yang diatur dalam POJK No. 33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten Atau Perusahaan Publik yang menyebutkan bahwa anggota Direksi selama menjabat harus memenuhi persyaratan tidak pernah dihukum karena melakukan tindak pidana yang merugikan keuangan negara dan/atau yang berkaitan dengan sektor keuangan.
Implementation: Appropriate
In the Board of Directors' Charter there is a provision that the position of a member of the Board of Directors may end if the member of the Board of Directors concerned no longer meets the requirements of the applicable laws and regulations.
The applicable statutory requirements referred to in the Board of Directors' Charter also include the requirements stipulated in POJK No. 33 / POJK.04 / 2014 concerning Directors and Board of Commissioners of Issuers or Public Companies which states that members of the Board of Directors during their tenure must meet the requirements of never having been convicted of a criminal offense that is detrimental to the country's finances and / or related to the financial sector.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH202
No. RekomendasiRecommendations
PelaksanaanImplementations
D. PARTISIPASI PEMANGKU KEPENTINGAN | STAKEHOLDERS PARTICIPATION
Prinsip 7 | Principle 7Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku KepentinganIncreasing the Aspect of Corporate Governance though Stakeholders Participation
7.1 Perusahaan Terbuka memiliki kebijakan untuk mencegah terjadinya insider trading.
Public Company has a policy to prevent insider trading
Implementasi: Sesuai
Perseroan telah mengatur ketentuan tentang pencegahan terjadinya perdagangan orang dalam insider trading dalam Kode Etik dan Pedoman Tingkah Laku Perseroan yang telah diunggah ke website Perseroan www.wom.co.id.
Dalam Kode Etik dan Pedoman Tingkah Laku menetapkan bahwa personil Perseroan tidak diperkenankan melakukan transaksi dengan menggunakan informasi orang dalam insider information yaitu informasi material atau penting yang dimiliki oleh orang dalam yang belum tersedia untuk umum; serta apabila memiliki informasi orang dalam, maka Personil Perseroan tersebut wajib untuk tidak melakukan transaksi baik untuk diri sendiri maupun mempengaruhi pihak lain untuk melakukan transaksi, serta tidak meneruskan atau memberikan informasi tersebut kepada pihak lain.
Implementation: Appropriate
The Company has regulated the provisions on preventing insider trading in the Code of Ethics and the Company's Code of Conduct which has been uploaded to the Company's website (www.wom.co.id).
The Code of Ethics and Code of Conduct stipulate that Company personnel are not permitted to conduct transactions using insider information that is material or important information that is owned by an insider that is not yet available to the public; and if they have inside information, the Company Personnel must not conduct transactions for themselves or influence other parties to carry out transactions, and not forward or provide such information to other parties.
7.2 Perusahaan Terbuka memiliki kebijakan anti korupsi dan anti fraud.
Public Company has anti-corruption and anti-fraud policies.
Implementasi: Sesuai
Perseroan telah memiliki Zero Tolerance Policy, Kode Etik dan Pedoman Tingkah Laku, dan Kebijakan Penanganan Kasus Fraud yang memuat ketentuan yang mengandung hal-hal untuk mencegah praktik fraud, korupsi, suap, dan/atau gratifikasi.
Implementation: Appropriate
The Company has a Zero Tolerance Policy, a Code of Ethics and Code of Conduct, and a Fraud Case Handling Policy that contains provisions containing matters to prevent the practice of fraud, corruption, bribery, and/or gratification.
Tata Kelola PerusahaanCorporate Governance
Horizon of GrowtH 203PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
No. RekomendasiRecommendations
PelaksanaanImplementations
7.3 Perusahaan Terbuka memiliki kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau vendor.
Public Company has a policy regarding the selection and improvement of the ability of suppliers or vendors.
Implementasi: Sesuai
Perseroan telah memiliki kebijakan terkait kerjasama dealer yang tertuang pada Kebijakan No.005/SKB-WISe/MKT/10-18 versi 01 dan kebijakan terkait ketentuan dan mekanisme prosedur vendor management dan pengadaan barang dan jasa yang tertuang pada Kebijakan No. 231/SKB/OPRS/09-17 sebagaimana diubah dengan Addendum SK Ketentuan dan Mekanisme Proses Vendor Management dan Pengadaan Barang Jasa No. 048/SKB/FPIR/04-19 versi 01.
Implementation: Appropriate
The Company has policies related to dealer cooperation as set out in Policy No. 005/SKB-WISe/MKT/10-18 version 01 and policies related to the provisions and mechanism of vendor management and procurement of goods and services procedures contained in Policy No. 231/SKB/OPRS/09-17 as amended by Addendum SK Provisions and Mechanisms of Vendor Management Process and Procurement of Services Goods No. 048/SKB/FPIR/04-19 version 01.
7.4 Perusahaan Terbuka memiliki kebijakan tentang pemenuhan hak-hak kreditur.
Public Company has a policy regarding the fulfillment of creditor rights.
Implementasi: Sesuai
Kebijakan terkait dengan perlindungan terhadap hak-hak kreditur tertuang dalam Pedoman Tata Kelola Perusahaan yang Baik.
Implementation: Appropriate
Policies related to the protection of creditor rights are contained in the Guidelines for Good Corporate Governance.
7.5 Perusahaan Terbuka memiliki kebijakan sistem whistleblowing.
Public Company has a whistleblowing system policy.
Implementasi: Sesuai
Perseroan telah memiliki kebijakan sistem pelaporan pelanggaran sebagaimana tertuang pada Zero Tolerance Policy, Kode Etik dan Pedoman Tingkah Laku Perseroan.
Implementation: Appropriate
The Company has a violation reporting system policy as set out in the Zero Tolerance Policy, the Code of Ethics and the Code of Conduct of the Company.
Tata Kelola PerusahaanCorporate Governance
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH204
No. RekomendasiRecommendations
PelaksanaanImplementations
7.6 Perusahaan Terbuka memiliki kebijakan pemberian insentif jangka panjang kepada Direksi dan karyawan.
Public Company has a policy of providing long-term incentives to Directors and employees.
Implementasi: Sesuai
Kebijakan terkait pertimbangan penetapan struktur dan besaran remunerasi termasuk didalamnya insentif kepada Direksi tercakup pada kebijakan Komite Nominasi dan Remunerasi Perseroan.
Kebijakan pemberian insentif kepada karyawan diatur dalam kebijakan internal Perseroan.
Implementation: Appropriate
Policies related to the consideration of determining the structure and amount of remuneration including incentives to the Directors are covered by the Company's Nomination and Remuneration Committee policy.
The policy of providing incentives to employees is governed by the Company's internal policies.
E. KETERBUKAAN INFORMASI | INFORMATION TRANSPARENCY
Prinsip 8 | Principle 8Meningkatkan Pelaksanaan Keterbukaan Informasi | Improving The Information Disclosure Implementation
8.1 Perusahaan Terbuka memanfaatkan penggunaan Teknologi Informasi secara lebih luas selain Situs Web sebagai media keterbukaan informasi.
Public Company utilizes the use of broader information technology than the Website as a medium of information disclosure.
Implementasi: Sesuai
Perseroan telah memanfaatkan teknologi informasi, baik situs website Perseroan, media internal, dan media komunikasi massa, untuk melaksanakan keterbukaan informasi kepada stakeholders.
Implementation: Appropriate
The Company has utilized information technology, both the Company's website, internal media, and mass communication media, to carry out information disclosure to stakeholders.
8.2 Laporan Tahunan Perusahaan Terbuka mengungkapkan pemilik manfaat akhir dalam kepemilikan saham Perusahaan Terbuka paling sedikit 5% (lima persen), selain pengungkapan pemilik manfaat akhir dalam kepemilikan saham Perusahaan Terbuka melalui pemegang saham utama dan pengendali
The Public Company Annual Report discloses the ultimate beneficial owner in the ownership of a Public Company share of at least 5% (five percent), in addition to the disclosure of the ultimate beneficial owner in the ownership of the public company through the major and controlling shareholders.
Implementasi: Sesuai
Laporan Tahunan Perseroan telah mengungkapkan:• Daftar pemegang saham Perseroan yang memiliki saham
Perseroan 5% atau lebih.• Pemilik manfaat akhir dalam kepemilikan saham Perseroan.• Pemegang saham utama/pengendali Perseroan.
Implementation: Appropriate
The Company's Annual Report has revealed:• List of the Company's shareholders who own 5% or more of
the Company's shares.• The ultimate beneficial owner in the ownership of the
Company's shares.• Major / controlling shareholders of the Company.
Tata Kelola PerusahaanCorporate Governance
Horizon of GrowtH 205PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Pelaksanaan GCG 2019Perseroan telah melaksanakan berbagai hal dalam rangka meningkatkan kualitas implementasi GCG. Peningkatan kualitas penerapan GCG di lingkungan Perseroan terlihat dari penyempurnaan yang dilakukan Perseroan sepanjang tahun 2019 yang mencakup berbagai hal:
1. Pembentukan Komite Produk dan Pengembangan Kegiatan Usaha Syariah serta penerbitan Piagam Komite tersebut.
2. Perubahan struktur organisasi Perseroan terkait dengan penambahan Komite Produk dan Pengembangan Kegiatan Usaha Syariah, perubahan nama Quality Assurance & Litigation Division menjadi Anti Fraud Division serta perubahan reporting lines dari Division tersebut menjadi di bawah Presiden Direktur.
3. Memperbaharui Pedoman Tata Kelola Perusahaan yang Baik.
4. Memperbaharui website Perseroan yang bertujuan untuk mempermudah pemberian informasi bagi stakeholders dan masyarakat.
5. Melakukan sosialisasi tata kelola seperti anti fraud awareness dan sosialisasi nilai-nilai dasar Perseroan dengan menyampaikan quotes terkait dengan nilai-nilai tersebut melalui email blast family.
6. Melakukan online Compliance Culture Assessment yang dilakukan untuk memahami kondisi budaya kepatuhan.
Penilaian Penerapan Tata Kelola PerusahaanIndikator pencapaian sasaran diukur dari penilaian tata kelola perusahaan yang baik pada Perseroan baik secara internal maupun eksternal.
1. Penilaian InternalMerujuk pada POJK No. 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan dan SEOJK No.15/SEOJK.05/2016 tentang Laporan Penerapan Tata Kelola Yang Baik Bagi Perusahaan Pembiayaan, pengukuran penerapan tata kelola dilakukan melalui penilaian sendiri self aassessment tata kelola perusahaan yang baik.
Tata Kelola PerusahaanCorporate Governance
GCG Implementation in 2019The Company has implemented various things in order to improve the GCG implementation quality. The improvement in GCG implementation quality in the Company’s environment can be seen from the improvements made by the Company throughout 2019 which included various matters:
1. Establishment of Sharia Product and Business Activity Development Committee and issuance of the Committee Charter.
2. Changes in the Company’s organizational structure related to the addition of the Sharia Business Product and Business Development Committee, the Quality Assurance & Litigation Division name change to the Anti Fraud Division and the reporting lines change from that Division to under the President Director.
3. Updated the Guidelines for Good Corporate Governance.
4. Updated the Company’s website which aims to facilitate the provision of information for stakeholders and the public.
5. To socialize governance such as anti-fraud awareness and the socialization of the Company’s basic values by submitting quotes related to these values through an email blast family.
6. Conduct an online Compliance Culture Assessment conducted to understand the compliance culture conditions.
GCG Implementation AssessmentsIndicators of achievement of targets are measured from assessments of good corporate governance at the Company both internally and externally.
1. Internal AssessmentReferring to POJK No. 30 / POJK.05 / 2014 concerning Good Corporate Governance for Financing Companies and SEOJK No.15 / SEOJK.05 / 2016 concerning Reports on the Implementation of Good Governance for Financing Companies, measuring the implementation of governance is done through self-assessment good corporate governance.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH206
Tata Kelola PerusahaanCorporate Governance
Prosedur dan Kriteria PenilaianPenilaian sendiri self aassessment tata kelola perusahaan yang baik dilakukan pada setiap akhir tahun dan dilaporkan kepada Otoritas Jasa keuangan sebagai bagian dari Laporan Penerapan Tata Kelola Perusahan yang Baik yang dilaporkan paling lambat 30 April pada tahun berikutnya.
Sesuai SEOJK No. 15/SEOJK.05/2016 tentang Laporan Penerapan Tata Kelola Yang Baik Bagi Perusahaan Pembiayaan, Perseroan melakukan penilaian sendiri atas penerapan tata kelola perusahaan yang baik. Penilaian tersebut meliputi hal-hal di bawah ini:
a. Pelaksanaan tugas dan tanggung jawab Direksi, Dewan Komisaris dan Dewan Pengawas Syariah.
b. Kelengkapan dan pelaksanaan tugas komite audit atau fungsi yang membantu Dewan Komisaris.
c. Penerapan fungsi kepatuhan, auditor internal, dan auditor eksternal.
d. Penerapan manajemen risiko dan sistem pengendalian intern.
e. Penerapan kebijakan remunerasi dan fasilitas lain.
f. Transparansi kondisi keuangan dan non keuangan perusahaan.
g. Rencana jangka panjang serta rencana kerja dan anggaran tahunan.
h. Pengungkapan kepemilikan saham.i. Hubungan keuangan dan hubungan keluarga
bagi Direksi.j. Hubungan keuangan dan hubungan keluarga
bagi Dewan Komisaris.k. Pengungkapan hal-hal penting lainnya.
Pihak yang Melakukan PenilaianPerseroan melakukan penilaian sendiri self assessment atas penerapan tata kelola perusahaan yang baik dengan melibatkan anggota Dewan Komisaris, Direksi, Komite Audit, Internal Audit Division, Unit Usaha Syariah, serta fungsi atau unit kerja lainnya yang terkait di Perseroan untuk menghasilkan penilaian yang komprehensif dan terstruktur atas efektivitas penerapan tata kelola Perseroan.
Assessment Procedures and CriteriaSelf-assessment of good corporate governance is carried out at the end of each year and reported to the Financial Services Authority as part of the Report on the Implementation of Good Corporate Governance which is reported no later than April 30 the following year.
In accordance with SEOJK No. 15/SEOJK.05/2016 concerning Report on the Implementation of Good Governance for Financing Companies, the Company conducts its own assessment of the implementation of good corporate governance. The assessment includes the following:
a. Implementation of the duties and responsibilities of the Board of Directors, the Board of Commissioners, and the Sharia Supervisory Board.
b. Completeness and implementation of audit committee duties or functions that assist the Board of Commissioners.
c. Implementation of the compliance, internal auditor and external auditor functions.
d. Implementation of risk management and internal control systems.
e. Implementation of remuneration policies and other facilities.
f. Transparency of the company’s financial and non-financial conditions.
g. Long-term plans and annual work plans and budgets.
h. Disclosure of share ownership.i. Financial and family relations for the Board of Directors.
j. Financial and family relations for the Board of Commissioners.
k. Disclosure of other important matters.
The party conducting the assessmentThe Company conducts a self-assessment of the implementation of good corporate governance by involving members of the Board of Commissioners, Directors, Audit Committee, Internal Audit Division, Sharia Business Unit, and other related functions or work units in the Company to produce a comprehensive assessment and structured on the effectiveness of the implementation of corporate governance.
Horizon of GrowtH 207PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
2. Penilaian pelaksanaan penerapan GCG oleh pihak eksternalPada tahun 2019, Perseroan mengikuti penilaian penerapan tata kelola perusahaan yang baik pada Perseroan yang dilakukan oleh pihak eksternal yaitu majalah Top Business yang bekerjasama dengan KNKG (Komite Nasional Kebijakan Governance), IRMAPA (Indonesia Risk Management Professional Association), ICoPI (Institute Compliance Professional Indonesia), Asia Business Research Center dan Economic Review.
Top Governance, Risk, Compliance AwardPenghargaan diberikan kepada Perseroan yang dinilai berkinerja baik dan telah menerapkan Governance, Risk, Compliance dalam pengelolaan usaha bisnisnya.
a. Pihak yang Melakukan PenilaianPihak yang melakukan penilaian adalah Tim Penilai dan Dewan Juri yang ditunjuk oleh majalah Top Business yang bekerjasama dengan KNKG (Komite Nasional Kebijakan Governance), IRMAPA (Indonesia Risk Management Professional Association), ICoPI (Institute Compliance Professional Indonesia), dan Asia Business Research Center.
b. Kriteria PenilaianAspek penilaian meliputi antara lain infrastruktur, implementasi tata kelola perusahaan yang baik, manajemen risiko dan manajemen kepatuhan di Perseroan.
c. Hasil PenilaianPerseroan berhasil meraih penghargaan TOP GRC 2019 #4 Stars dengan rincian sebagai berikut:Kategori : All Company Sektor : MultifinanceNilai : 8.11 (dari total nilai 10)Tingkat : Very GoodPenilaian Kembali: Top GRC 2019 #Star 4(Sistem, infrastruktur, implementasi tata kelola perusahaan yang baik, manajemen risiko, dan manajemen kepatuhan di Perseroan).
2. Assessment of the implementation of GCG implementation by external partiesIn 2019, the Company participated in an evaluation of the implementation of good corporate governance in the Company conducted by external parties, namely the Top Business magazine in collaboration with KNKG (National Committee on Governance Policy), IRMAPA (Indonesian Risk Management Professional Association), ICoPI (Indonesian Institute of Professional Compliance) ), Asia Business Research Center and Economic Review.
Top Governance, Risk, Compliance AwardThe award given to the Company that is considered to be performing well and has implemented Governance, Risk, and Compliance in managing its business ventures.a. The party conducting the assessment
The parties conducting the assessment are the Assessment Team and the Judges appointed by Top Business magazine in collaboration with KNKG (National Committee on Governance Policy), IRMAPA (Indonesian Risk Management Professional Association), ICoPI (Indonesian Compliance Professional Institute), and Asia Business Research Center.
b. Assessment CriteriaThe assessment aspects include infrastructure, implementation of good corporate governance, risk management and compliance management in the Company.
c. Rating resultsThe Company won the TOP GRC 2019 # 4 Stars award with the following details:Category : All Company Sector : MultifinanceRating : 8.11 (dari total nilai 10)Level : Very GoodReappraisal : Top GRC 2019 #Star 4(Systems, infrastructure, implementation of good corporate governance, risk management and compliance management in the Company).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH208
Tata Kelola PerusahaanCorporate Governance
3. Indonesia Good Corporate Governance Award 2019Penghargaan yang diberikan sebagai bentuk apresiasi penghargaan tertinggi yang diberikan kepada perusahaan di bidang GCG di Indonesia.
a. Pihak yang Melakukan PenilaianPihak yang melakukan penilaian adalah Dewan Juri dari antara lain IPMI International Business School, PQI Consultant, Perbanas Institute, Indonesia – Asia Institute, dan Majalah Economic Review.
b. Kriteria PenilaianAspek penilaian meliputi penerapan tata kelola perusahaan yang baik.
c. Hasil PenilaianPerseroan berhasil meraih penghargaan 2nd – The Best Indonesia GCG Implementation – 2019 dengan rincian sebagai berikut:
Kategori : Public Company
Sektor : Multifinance
Nilai : 85
Tingkat : 1 (Kelompok Tbk)
Penghargaan : Platinum
Penilaian Kembali : Very Excellent
Penilaian Kinerja Dewan Komisaris dan Direksi
Dalam rangka memenuhi ketentuan POJK No. 21/POJK.04/2015 tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka dan SEOJK No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Terbuka, maka Perseroan telah memiliki kebijakan penilaian Direksi dan Dewan Komisaris.
1. Penilaian Kinerja Dewan Komisaris
Prosedur dan Kriteria Penilaian Kinerja Dewan Komisaris
Penilaian kinerja Dewan Komisaris dilaksanakan setiap tahun minimum 1 (satu) kali dalam setahun yang dilakukan dengan metode penilaian kinerja secara self assessment.
3. Indonesia Good Corporate Governance Award 2019The award was given as a form of appreciation for the highest award given to companies in the field of GCG in Indonesia.
a. The party conducting the assessmentThe parties conducting the evaluation were the Jury from among others IPMI International Business School, PQI Consultant, Perbanas Institute, Indonesia - Asia Institute, and Economic Review Magazine.
b. Assessment criteriaThe assessment aspects include the application of good corporate governance.
c. Rating resultsThe Company won the 2nd award - The Best Indonesia GCG Implementation - 2019 with details as follows:
Category : Public Company
Sector : Multifinance
Score : 85
Level : 1 (Public Company Group)
Award : Platinum
Reappraisal : Very Excellent
Board of Commissioners and Board of Directors’ Performance AssessmentIn order to comply with the provisions of POJK No. 21/POJK.04/2015 concerning the Implementation of the Guidelines for Public Company Governance and SEOJK No. 32/SEOJK.04/2015 concerning Guidelines for Good Corporate Governance Public Company, the Company has a policy of evaluating Directors and Board of Commissioners.
1. Performance Evaluation of the Board of Commissioners
Procedures and Criteria for Appraisal of the Board of Commissioners’ Performance
The performance evaluation of the Board of Commissioners is carried out every year a minimum of 1 (one) time a year which is carried out using the performance assessment method by self assessment.
Horizon of GrowtH 209PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
Kriteria yang digunakan dalam penilaian kinerja Dewan Komisaris adalah sebagai berikut:a. Penilaian kinerja kolegial Dewan Komisaris
Kriteria penilaian kinerja kolegial Dewan Komisaris meliputi:1. Tanggung jawab Dewan Komisaris.
2. Komposisi Dewan Komisaris.3. Remunerasi Dewan Komisaris.4. Tingkah Laku Dewan Komisaris.5. Interaksi dan komunikasi Dewan Komisaris.
6. Presiden Komisaris.7. Administrasi dan Proses Dewan Komisaris.
8. Training anggota Dewan Komisaris pada tahun ini.
9. Training anggota Dewan Komisaris pada tahun yang akan datang.
10. BOC retreat session.
b. Penilaian kinerja individu masing-masing anggota Dewan Komisaris dan penilaian kinerja dari masing-masing Dewan Komisaris terhadap Dewan Komisaris lainnya
Kriteria penilaian kinerja individu masing-masing anggota Dewan Komisaris dan penilaian kinerja dari masing-masing Dewan Komisaris terhadap Dewan Komisaris lainnya meliputi:
1. Mengidentifikasi dari key skills, pengalaman, dan pengalaman bekerja yang dimiliki oleh masing-masing anggota Dewan Komisaris.
2. Rating kinerja anggota Dewan KomisarisUntuk menilai kinerja masing-masing anggota Dewan Komisaris itu sendiri dengan menggunakan sistem grading yang telah disediakan dan untuk mengevaluasi kinerja dari anggota Dewan Komisaris lainnya peer evaluation.
3. Penilaian Komisaris IndependenUntuk menilai mengenai apakah Komisaris Independen menunjukkan nilai dan prinsip yang terkait dengan independensi selama diskusi Dewan Komisaris.
The criteria used in evaluating the performance of the Board of Commissioners are as follows:a. Board of Commissioners collegial performance
evaluationThe Board of Commissioners collegial performance appraisal criteria includes:1. Responsibilities of the Board of
Commissioners.2. Composition of the Board of Commissioners.3. Remuneration of the Board of Commissioners.4. Board of Commissioners Conduct.5. Interaction and communication of the Board
of Commissioners.6. President Commissioner.7. Administration and Process of the Board of
Commissioners.8. Training for members of the Board of
Commissioners this year.9. Training of members of the Board of
Commissioners in the coming year.10. BOC retreat session.
b. Individual performance evaluation of each member of the Board of Commissioners and performance evaluation of each Board of Commissioners for the other Board of Commissioners
The criteria for evaluating the individual performance of each member of the Board of Commissioners and the performance evaluation of each Board of Commissioners towards the other Board of Commissioners includes:1. Identifying the key skills, experience, and
work experience possessed by each member of the Board of Commissioners.
2. Performance rating of members of the Board of CommissionersTo assess the performance of each member of the Board of Commissioners themselves using the grading system that has been provided and to evaluate the performance of other members of the Board of Commissioners (peer evaluation).
3. Rating of Independent CommissionersTo assess whether an Independent Commissioner shows values and principles related to independence during the Board of Commissioners’ discussion.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH210
Tata Kelola PerusahaanCorporate Governance
Pihak yang Melakukan Penilaian Kinerja Dewan Komisaris
Pihak yang melakukan penilaian kinerja Dewan Komisaris adalah sebagai berikut:a. Penilaian Kinerja Dewan Komisaris secara
Kolegial.Penilaian dilakukan oleh masing-masing Komisaris atas kinerja Dewan Komisaris secara keseluruhan.
b. Penilaian Kinerja Individu Masing-Masing Anggota Dewan Komisaris.Masing-masing Komisaris memberikan penilaian atas kinerjanya sendiri.
c. Penilaian Kinerja dari Masing-Masing Dewan Komisaris terhadap Dewan Komisaris lainnya.Masing-masing Komisaris memberikan penilaian kinerja kepada setiap anggota Dewan Komisaris lainnya.
Untuk evaluasi akan dilakukan oleh Komite Nominasi dan Remunerasi yang hasil evaluasinya akan disampaikan kepada Dewan Komisaris.
2. Penilaian Kinerja Direksi
Prosedur dan Kriteria Penilaian Kinerja Direksi
Penilaian kinerja Direksi dilakukan setiap tahun berdasarkan Key Performance Indicator (KPI) yang berlaku di Perseroan.
Kriteria yang digunakan untuk menilai kinerja Direksi antara lain:a. Maximized shareholder value.b. Optimized Network.c. Increased Business Growth.d. Optimized Portfolio Quality.e. Optimized OPEX.f. Improve Corporate Event/Program.g. Customer Satisfaction.h. Optimize technology as a business enabler.i. Improve Compliance Management.j. Increase employee satisfaction & engagement.k. Improve Readiness Talent pool.
Pihak yang melakukan Penilaian Kinerja Direksi
Direksi akan melakukan evaluasi kinerja Direksi secara mandiri untuk kemudian disampaikan kepada Komite Nominasi dan Remunerasi untuk dievaluasi. Hasil evaluasi Komite Nominasi dan Remunerasi akan disampaikan kepada Dewan Komisaris.
Struktur Tata KelolaMengacu pada peraturan perundang-undangan yang berlaku, Struktur Tata Kelola Perusahaan di Perseroan disusun dengan tujuan untuk menetapkan kejelasan dalam pembagian tugas dan tanggung jawab, mekanisme dan
The Party Conducting the Performance Evaluation of the Board of Commissioners
The parties evaluating the performance of the Board of Commissioners are as follows:a. Collegial Performance Evaluation of the Board of
Commissioners.The assessment is carried out by each Commissioner on the overall performance of the Board of Commissioners.
b. Individual Performance Assessment of Each Member of the Board of Commissioners.Each Commissioner provides an assessment of its own performance.
c. Performance Appraisal of Each Board of Commissioners towards other Board of Commissioners.Each Commissioner provides a performance appraisal to every other member of the Board of Commissioners.
The evaluation will be conducted by the Nomination and Remuneration Committee whose evaluation results will be submitted to the Board of Commissioners.
2. Assessment of Board of Directors’ Performance
Board of Directors’ Performance Evaluation Criteria and ProceduresThe performance evaluation of the Directors is carried out annually based on the Key Performance Indicator (KPI) in force in the Company.
The criteria used to assess the performance of the Board of Directors include:a. Maximized shareholder value.b. Optimized Network.c. Increased Business Growth.d. Optimized Portfolio Quality.e. Optimized OPEX.f. Improve Corporate Events / Programs.g. Customer Satisfaction.h. Optimize technology as a business enabler.i. Improve Compliance Management.j. Increase employee satisfaction & engagement.k. Improve Readiness Talent pool.
The party conducting the Performance Evaluation of the Board of DirectorsThe Board of Directors will evaluate the performance of the Board of Directors independently and then submit it to the Nomination and Remuneration Committee for evaluation. The evaluation results of the Nomination and Remuneration Committee will be submitted to the Board of Commissioners.
Governance StructureReferring to the applicable rules and regulations, the Company’s Governance Structure was established to determine clarity in duties and responsibility distribution, decision making and reporting mechanism and flow.
Horizon of GrowtH 211PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tata Kelola PerusahaanCorporate Governance
alur pelaksanaan pengambilan keputusan serta pelaporan. Struktur Tata Kelola Perusahaan di Perseroan adalah berupa skema organ Tata Kelola yang terdiri dari Rapat Umum Pemegang Saham sebagai Organ tertinggi hingga Unit Kerja Pendukung Tata Kelola yang ada di Perseroan.
RAPAT UMUM PEMEGANG SAHAMGeneral Meeting of Shareholders
Komite Manajemen RisikoRisk Management Committee
Sekertaris PerusahaanCorporate Secretary
Legal, Corporate Litigation & Compliance Division
Legal, Corporate Litigation * Compliance Division
Komite Pemantau RisikoRisk Monitoring Committee
DireksiBoard of Directors
Dewan Pengawas SyariahSharia Supervisory Board
Komite Pemantau RisikoRisk Monitoring Committee
Internal Audit DivisionInternal Audit Division
Risk Management DivisionRisk Management Division
Komite AuditAudit Committee
Dewan KomisarisBoard of Commissioners
Struktur tata kelola perusahaan di Perseroan terdiri dari:1. Rapat Umum Pemegang Saham Perseroan (RUPS).2. Dewan Komisaris.3. Direksi.4. Dewan Pengawas Syariah Perseroan.5. Komite-komite dibawah Dewan Komisaris yaitu:
Komite Audit, Komite Pemantau Risiko, Komite Nominasi dan Remunerasi.
6. Komite dibawah Direksi yaitu:Komite Manajemen Risiko.
7. Sekretaris Perusahaan.8. Risk Management Division, Legal Corporate Litigation
& Compliance Division, Internal Audit Division.
Rencana Penerapan GCG Tahun 2020Aktivitas-aktivitas yang akan dilakukan dalam rangka menerapkan GCG di Perseroan pada tahun 2020 sebagai berikut:1. Penerapan prinsip-prinsip GCG di Perseroan telah
dilakukan peningkatan secara berkelanjutan.2. Penyelarasan visi dan/atau misi Perseroan dalam
rangka penerapan keuangan berkelanjutan dalam kegiatan usaha Perseroan.
3. Melengkapi dan/atau menyempurnakan kebijakan internal terkait GCG dalam rangka penyesuaian kebijakan dengan adanya penyelarasan visi dan/atau misi Perseroan.
4. Melaksanakan penilaian sendiri atas pelaksanaan GCG di Perseroan untuk mengukur efektivitas penerapan GCG yang dilakukan Perseroan dan melakukan tindaklanjut yang diperlukan terhadap hasil penilaian sendiri tersebut.
The Company’s Governance Structure is in the form of Governance Organ Scheme consisting of General Meeting of Shareholders as the highest Organ to the Governance Supporting Work Unit in the Company.
The Company’s governance structure consists of:1. General Meeting of Shareholders (GMS).2. Board of Commissioners.3. Board of Directors.4. Sharia Supervisory Board.5. BOC Committees, namely:
Audit Committee, Risk Oversight Committee, Nomination and Remuneration Committee.
6. BOD Committees, namely:Risk Management Committee.
7. Corporate Secretary.8. Risk Management Division, Legal Corporate Litigation
& Compliance Division, Internal Audit Division.
GCG Key Plans in 2020The activities that will be carried out to implement GCG in the Company in 2020 are as follows:
1. The implementation of GCG principles in the Company has been continuously improved.
2. Aligning the Company’s vision and/or mission in the context of implementing sustainable finance in the Company’s business activities.
3. Completing and/or refining the internal policies related to GCG in the context of policy adjustments by aligning the Company’s vision and/or mission
4. Conduct self-assessment of GCG implementation in the Company to measure its effectiveness and carry out the necessary actions on the self-assessment results.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH212
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Rapat Umum Pemegang Saham (RUPS) adalah organ Perseroan yang mempunyai wewenang yang tidak diberikan kepada Dewan Komisaris dan Direksi dalam batas yang ditentukan dalam Undang-Undang tentang Perseroan Terbatas dan/atau Anggaran Dasar Perseroan.
RUPS dalam Perseroan terdiri dari:• RUPS Tahunan (“RUPST”) yang diselenggarakan tiap
tahun dengan ketentuan paling lambat 6 (enam) bulan setelah tahun buku Perseroan ditutup.
• RUPS lainnya yang dalam Anggaran Dasar Perseroan disebut RUPS Luar Biasa (“RUPSLB”) yang diadakan sewaktu-waktu berdasarkan kebutuhan Rapat.
RUPS Perseroan wajib diselenggarakan sesuai ketentuan peraturan perundang-undangan yang berlaku dan anggaran dasar Perseroan.
Dalam mengambil keputusan, RUPS Perseroan harus menjaga kepentingan semua pihak, khususnya kepentingan Debitur, Kreditur dan kepentingan pemegang saham minoritas.
Hak dan Wewenang Pemegang Saham Dalam RUPSRUPS merupakan wadah bagi pemegang saham untuk mengambil keputusan dengan memperhatikan dan tunduk pada ketentuan Anggaran Dasar, Undang-Undang tentang Perseroan Terbatas maupun peraturan perundang-undangan terkait.
Wewenang yang dimiliki pemegang saham melalui RUPS diantaranya meliputi:1. Menyetujui perubahan Anggaran Dasar Perseroan;
2. Mengangkat dan memberhentikan anggota Direksi, anggota Dewan Komisaris, dan anggota Dewan Pengawas Syariah;
3. Penunjukan kantor akuntan publik untuk keperluan pemeriksaan tahun buku berjalan;
4. Hal-hal lain yang diajukan secara sebagaimana mestinya dalam RUPS sesuai dengan ketentuan Anggaran Dasar.
The General Meeting of Shareholders (GMS) is a Company’s organ that has the untransferrable authorities to the Board of Commissioners or Board of Directors, within the limits as set out in the Company Law and/or the Company’s Articles of Association.
The Company’s GMS consists of:• The Annual GMS (“AGMS”) that shall be held annually
at the latest 6 (six) month following the closing of the Company’s fiscal year.
• Other GMS, namely the Extraordinary GMS (“EGMS”) as stated in the Company’s Articles of Association that shall be held at anytime based on Meeting requirements.
The Company’s GMS shall be convened according to prevailing laws and regulatories as well as the Company’s articles of association.
In the decision making, the Company’s GMS shall maintain all parties’ interests, specifically the interest of Debtors, Creditors and minority shareholders’ interest.
Shareholders Rights and Authorities in the GMSThe GMS is a forum for the shareholders’ to take decision with due observance to and abiding to the rules of the articles of association, Company Law as well as relebant regulatories.
The shareholders’ authorities in the GMS among others include:1. To approve the amendment of the Company’s Articles
of Association;2. To appoint and terminate members of the Board of
Directors, members of the Board of Commissioners, and members of Sharia Supervisory Board ;
3. To appoint the public accountant firm for the audit of relevant fiscal year;
4. Other matters that are proposed accordingly in the GMS in accordance with the rules of the Articles of Association.
Horizon of GrowtH 213PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Hak pemegang saham dalam RUPS antara lain:1. Hak untuk menghadiri dan memberikan suara pada
RUPS.2. Pada saat pelaksanaan RUPS, pemegang saham
berhak memperoleh informasi mata acara rapat dan bahan terkait mata acara rapat sepanjang tidak bertentangan dengan kepentingan Perseroan.
3. Menerima bagian dari keuntungan Perseroan yang diperuntukan bagi pemegang saham dalam bentuk deviden dan pembagian keuntungan lainnya sesuai ketentuan peraturan-perundangan yang berlaku.
Mekanisme Penyelenggaraan RUPSPada tahun 2019, Perseroan telah menyelenggarakan 1 (satu) kali RUPST pada tanggal 12 Maret 2019 dan 2 (dua) kali RUPSLB yang diselenggarakan pada tanggal 12 Maret 2019 dan 10 Oktober 2019.
Mekanisme penyelenggaraan RUPST dan RUPSLB tahun 2019 telah dilaksanakan sesuai dengan Anggaran Dasar Perseroan, POJK No. 32/POJK.04/2014 tanggal 8 Desember 2014 tentang Rencana dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka dan POJK No.10/POJK.04/2017 tanggal 14 Maret 2017 tentang Perubahan Atas POJK No. 32/POJK.04/2014 Tentang Rencana Dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka.
Tahapan Pelaksanaan RUPST dan RUPSLB Tanggal 12 Maret 2019Stages of the AGMS and EGMS Convention Dated March 12, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaran RUPST & RUPSLB PerseroanBerdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang Berlaku Terkait
RUPSMandatory Rules on the AGMS & EGMS Based
on the Articles of Association and Prevailing GMS Regulatories
Pemberitahuan RUPST & RUPSLB kepada Regulator
AGMS & EGMS Notification to the Regulators
Surat pemberitahuan rencana RUPST & RUPSLB kepada OJK dan Bursa Efek Indonesia (e-Reporting) pada tanggal 24 Januari 2019.
Notification letter of the AGMS & EGMS plan to OJK and Bursa Efek Indonesia e-Reporting on January 24, 2019.
Pemberitahuan mengenai mata acara RUPST & RUPSLB yang diungkapkan secara jelas dan rinci serta disampaikan paling lambat 5 (lima) hari kerja sebelum pengumuman RUPST & RUPSLB, dengan tidak memperhitungkan tanggal pengumuman RUPST & RUPSLB.
Notification on the AGMS & EGMS agenda in clarity and detailed as well as submitted at the latest 5 (five) working-days prior to the AGMS & EGMS announcement, excluding the announcement date.
The shareholders’ rights in the GMS are:1. The rights to attend and vote in the GMS.
2. In the GMS, the shareholders have the right to attain meeting agenda and relevant material on the meeting agenda to the extend that it is not against the interests of Company.
3. To accept part of the Company’s profit intended for the shareholders in a form of dividend and other profitability distribution according to the prevailing regulatories.
GMS Convention MechanismsIn 2019, the Company has convened 1 (one) AGMS on March 12, 2019, and 2 (two) EGMS which convened on March 12, 2019 and October 10, 2019.
The 2019 AGMS and EGMS convention mechanisms have been implemented in accordance with the Company’s Articles of Association, POJK No. 32/POJK.04/2014 dated 8 December 2014 on the Plan and Convention of the General Meeting of Shareholders for Public Companies and POJK No.10/POJK.04/2017 dated 14 March 2017 on the Amendment of POJK No. 32/POJK.04/2014 on the Plan and Convention of the General Meeting of Shareholders for Public Companies.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH214
Tahapan Pelaksanaan RUPST dan RUPSLB Tanggal 12 Maret 2019Stages of the AGMS and EGMS Convention Dated March 12, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaran RUPST & RUPSLB PerseroanBerdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang Berlaku Terkait
RUPSMandatory Rules on the AGMS & EGMS Based
on the Articles of Association and Prevailing GMS Regulatories
Pengumuman RUPST & RUPSLB
AGMS & EGMS Announcement Date
• Diumumkan pada surat kabar Harian Investor Daily tanggal 01 Februari 2019;
• Diunggah pada situs web Perseroan tanggal 01 Februari 2019;
• Diunggah pada situs web bursa efek pada tanggal 01 Februari 2019;
• Bukti pengumuman disampaikan kepada OJK pada tanggal 01 Februari 2019 dan Bursa Efek Indonesia e-Reporting pada tanggal 01 Februari 2019.
• Announced in Investor daily newspaper on February 1, 2019;
• Uploaded in the Company’s website on February 1, 2019;
• Uploaded in the stock exchange website on February 1, 2019;
• Announcement proof was submitted to OJK on February 1, 2019 and Indonesia Stock Exchange e-Reporting on February 1, 2019.
Disampaikan minimal melalui 1 (satu) Surat Kabar harian nasional berbahasa Indonesia, situs Bursa Efek dan situs resmi Perseroan dalam bahasa Indonesia dan bahasa Inggris paling lambat 14 (empat belas) hari sebelum tanggal panggilan RUPST & RUPSLB, dengan tidak memperhitungkan tanggal pemberitahuan dan tanggal panggilan.
Bukti pengumuman RUPST& RUPSLB disampaikan kepada OJK paling lambat 2 (dua) hari kerja setelah pengumuman RUPST & RUPSLB.
Submitted at least through 1 (one) national daily newspaper of Indonesian language, Stock Exchange and the Company’s websites in Indonesian and English languages at the latest 14 (fourteen) days prior to the AGMS & EGMS invitation date, excluding the notification and invitation dates.
The AGMS & EGMS announcement proof is submitted to OJK at the latest 2 (two) working days following the announcement.
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Horizon of GrowtH 215PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Tahapan Pelaksanaan RUPST dan RUPSLB Tanggal 12 Maret 2019Stages of the AGMS and EGMS Convention Dated March 12, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaran RUPST & RUPSLB PerseroanBerdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang Berlaku Terkait
RUPSMandatory Rules on the AGMS & EGMS Based
on the Articles of Association and Prevailing GMS Regulatories
Panggilan RUPST & RUPSLB beserta penjelasan mata acara RUPST & RUPSLB
AGMS & EGMS Invitation including the agenda
• Diumumkan pada surat kabar Harian Investor Daily tanggal 18 Februari 2019;
• Diunggah pada situs web Perseroan tanggal 18 Februari 2019;
• Diunggah pada situs web bursa efek pada tanggal 18 Februari 2019;
• Bukti pemanggilan disampaikan kepada OJK pada tangggal 18 Februari 2019 dan Bursa Efek Indonesia e-Reporting pada tanggal 18 Februari 2019.
• Announced in Kontan daily
newspaper on February 18, 2019;
• Uploaded in the Company’s website on February 18, 2019;
• Uploaded in the stock exchange website on February 18, 2019;
• Announcement proof was submitted to OJK on 18 February 2019 and Indonesia Stock Exchange e-Reporting on February 18, 2019.
Disampaikan minimal melalui 1 (satu) Surat Kabar harian nasional berbahasa Indonesia, situs Bursa Efek dan situs resmi Perseroan dalam bahasa Indonesia dan bahasa Inggris paling lambat 21 (dua puluh satu) hari sebelum tanggal penyelenggaraan RUPST & RUPSLB, dengan tidak memperhitungkan tanggal panggilan dan tanggal RUPST & RUPSLB.
Bukti pemanggilan disampaikan kepada OJK paling lambat 2 (dua) hari kerja setelah pemanggilan RUPS.
Submitted at least through 1 (one) national daily newspaper of Indonesian language, Stock Exchange and the Company’s websites in Indonesian and English languages at the latest 21 (twenty one) days prior to the AGMS & EGMS convention date, excluding the invitation and the AGMS & EGMS dates.
The AGMS & EGMS invitation proof is submitted to OJK at the latest 2 (two) working days following the invitation.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH216
Tahapan Pelaksanaan RUPST dan RUPSLB Tanggal 12 Maret 2019Stages of the AGMS and EGMS Convention Dated March 12, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaran RUPST & RUPSLB PerseroanBerdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang Berlaku Terkait
RUPSMandatory Rules on the AGMS & EGMS Based
on the Articles of Association and Prevailing GMS Regulatories
Penyelenggaraan RUPST & RUPSLBAGMS & EGMS Convention
Tanggal 12 Maret 2019Dated March 12, 2019
Ringkasan Risalah RUPST & RUPSLB
AGMS & EGMS Minutes of Meeting Summary
Pengumuman Ringkasan risalah rapat
Minutes of Meeting Announcement
• Ringkasan risalah RUPST & RUPSLB diumumkan pada surat kabar Harian Investor Daily tanggal 14 Maret 2019;
• Ringkasan risalah RUPST & RUPSLB diunggah pada situs web Perseroan dan situs bursa efek pada tanggal 14 Maret 2019.
• The AGMS & EGMS meeting minutes summary was announced in Investor daily newspaper on March 14, 2019;
• The AGMS & EGMS meeting minutes summary was uploaded in the Company’s and stock exchange’s websites on March 14, 2019.
Ringkasan risalah RUPST & RUPSLB disampaikan minimal melalui 1 (satu) Surat Kabar harian nasional berbahasa Indonesia, situs Bursa Efek dan situs resmi Perseroan dalam bahasa Indonesia dan bahasa Inggris paling lambat 2 (dua) hari kerja setelah penyelenggaraan RUPST & RUPSLB.
The AGMS & EGMS meeting minutes summary is submitted at least through 1 (one) national daily newspaper of Indonesian language, Stock Exchange and the Company’s websites in Indonesian and English languages at the latest 2 (two) working days following the AGMS & EGMS convention.
Laporan ke Regulator
Report to the Regulators
Bukti pengumuman ringkasan risalah RUPST & RUPSLB disampaikan kepada OJK pada tanggal 14 Maret 2019.
The announcement proof of the AGMS & EGMS meeting minutes summary was submitted to OJK on March 14, 2019.
Bukti pengumuman ringkasan risalah RUPST & RUPSLB disampaikan paling lambat 2 (dua) hari kerja setelah diumumkan.
The announcement proof of the AGMS & EGMS meeting minutes summary is submitted at least 2 (two) working days after the announcement.
Risalah RUPST & RUPSLB
AGMS & EGMS Minutes of Meeting
Akta Risalah RUPST & RUPSLB dari Notaris disampaikan ke OJK pada tanggal 10 April 2019.
The AGMS & EGMS Minutes of Meeting Deed was submitted to OJK on April 10, 2019.
Akta Risalah RUPST & RUPSLB disampaikan ke OJK paling lambat 30 (tiga puluh) hari kerja setelah penyelenggaraan RUPST & RUPSLB.
The AGMS & EGMS Minutes of Meeting Deed is submitted to OJK at the latest 30 (thirty) working days following the AGMS & EGMS convention.
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Horizon of GrowtH 217PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Pelaksanaan RUPST & RUPSLB AGMS & EGMS Convention
Tanggal dan WaktuDate and Time
: 12 Maret 2019 / 10.17 – 11.31 WIBMarch 12, 2019 / 10.17 – 11.31 Western Indonesian Time
TempatVenue
: Function Room, Sentral Senayan III Lantai 28, Jl. Asia Afrika No. 8 Kelurahan Gelora, Kecamatan Tanah Abang, Jakarta Pusat 10270
KuorumQuorum
: RUPST dihadiri oleh 2.387.382.067 saham (68,57%) dari total 3.481.481.480 saham.RUPSLB dihadiri oleh 3.220.734.167 saham (92,51%) dari total 3.481.481.480 saham
Pimpinan RUPSGMS Chairman
: I Nyoman Tjager Presiden Komisaris/ Komisaris IndependenPresident Commissioner/ Independent Commissioner
Kehadiran anggota Dewan Komisaris termasuk Presiden KomisarisAttendance of members of the Board of Commissioners including President Commissioner
: a. I Nyoman Tjagerb. Thilagavaty Nadasonc. Myrnie Zachraini Tamin
Kehadiran anggota Direksi termasuk Presiden DirekturAttendance of members of the Board of Directors including President Director
: a. Djaja Suryanto Sutandarb. Simon Tan Kian Bingc. Zacharia Susantadiredjad. Anthony Y Panggabeane. Njauw Vido Onadi
NotarisNotary
: Leolin Jayayanti, SH, M.Kn,
Jumlah pemegang saham yang mengajukan pertanyaan dan/atau memberikan pendapatTotal shareholders submitting questions and/or providing opinions
: Nihil / Nil
Mekanisme pengambilan keputusan RUPSTAGMS decision making mechanisms
: Mekanisme pengambilan keputusan dilakukan secara lisan dengan meminta kepada pemegang saham, dan/atau kuasanya untuk mengangkat tangan bagi yang memberikan suara tidak setuju dan abstain, sedangkan yang memberikan suara setuju tidak diminta mengangkat tangan. Suara abstain dianggap mengeluarkan suara yang sama dengan suara mayoritas pada pemegang saham yang mengeluarkan suara.The decision making mechanisms is orally conducted by requesting the sharehdolders and/or its proxies to raise hand for dis-approved voting and abstain, whereas the approved voting are not requested to raise hand. Abstain voting is considered as the same voting with majority voting from the shareholders.
Agenda, Hasil & Realisasi RUPSTAGMS Agenda, Resolutions & Realizations
Agenda 1Laporan Kegiatan Perseroan Tahun Buku 2018. The Company’s Activity Report Fiscal Year 2018.
Hasil Menyetujui dan menerima Laporan Kegiatan Perseroan Tahun Buku 2018.
ResolutionsApproved and accepted the Company’s Activity Report Fiscal Year 2018.
RealisasiTelah direalisasikan
RealizationsHas been realized
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH218
Agenda 2Pengesahan Perhitungan Tahunan Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2018.
Ratification of the Company's Annual Calculation for the Fiscal Year ending on December 31, 2018.
Hasil • Menyetujui dan mengesahkan Laporan Keuangan Tahunan
Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2018 yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Sungkoro & Surja, Firma anggota dari Ernst & Young Global Limited sebagaimana ternyata dari laporan Auditor Independen tertanggal 13 Februari 2019 dengan pendapat ”Wajar dalam semua hal yang material”.
• Memberikan pembebasan dan pelunasan sepenuhnya acquit et de charge kepada para anggota Direksi dan para anggota Dewan Komisaris Perseroan yang menjabat pada tahun 2018 atas tindakan kepengurusan dan pengawasan yang telah mereka lakukan selama Tahun Buku 2018. Sepanjang tindakan pengurusan dan pengawasannya dimaksud tercermin dalam buku dan catatan Perseroan sepanjang tahun buku 2018, selama tidak termasuk dalam kategori tindak pidana.
Resolutions• Approved and accepted ratified the Company’s Financial
Statements for the financial year ended 31 December 2018, which were audited by the Public Accountant Firm Purwantono, Sungkoro & Surja, a Member Firm of Ernst & Young Global Limited as stated in the Auditor’s report dated 13 February 2019 with ““Fair in all materials” opinion.
• Granted release and discharge (acquit et de charge) to the members of the Board of Directors and members of the Board of Commissioners of the Company who were in office during the year 2018 for any management and supervisory actions undertaken during the Financial Year of 2018. Provided that the management an supervisory actions referred to above have been reflected in th Company’s books and accounts during the financial year 2018, and such actions did not count as criminal acts.
RealisasiTelah direalisasikan
RealizationsHas been realized
Agenda 3Penetapan Penggunaan Laba Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2018.a. Penetapan pembagian dividen final tunai.b. Penetapan dana untuk disisihkan sebagai dana cadangan
Perseroan.c. Penetapan penggunaan laba bersih setelah pembagian
dividen dan dana cadangan perseroan
Determination of the Use of the Company's Profit for the Fiscal Year ending on December 31, 2018.a. Determination of the distribution of cash final dividendsb. Determination of funds to be set aside as a reserve fund of
the Company.c. Determination of the net profit use after the distribution of
dividends and reserve funds of the company
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Horizon of GrowtH 219PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Agenda 3Hasil • Sebesar Rp 1.000.000.000 (satu miliar Rupiah) dari laba bersih
Perseroan untuk digunakan sebagai dana cadangan umum guna memenuhi ketentuan dalam Pasal 70 ayat (1) Undang-undang No.40 Tahun 2007 tentang Perseroan Terbatas dan pasal 24 Anggaran Dasar Perseroan;
• Sebesar Rp 64.554.702.879,9 (enam puluh empat miliar lima ratus lima puluh empat juta tujuh ratus dua ribu delapan ratus tujuh puluh sembilan koma sembilan Rupiah)atau 30% (tiga puluh persen) dari laba bersih Perseroan dibagikan sebagai dividen tunai untuk Tahun Buku 2018 (dua ribu delapan belas) yang akan dibagikan kepada 3.481.481.480 (tiga miliar empat ratus delapan puluh satu juta empat ratus delapan puluh satu ribu empat ratus delapan puluh) lembar saham, sehingga setiap saham memperoleh dividen atau sekitar sebesar Rp 18,5 (delapan belas koma lima Rupiah) per saham;
• Sisa dari laba bersih sebesar Rp 149.627.640.053,- (seratus empat puluh sembilan miliar enam ratus dua puluh tujuh juta enam ratus empat puluh ribu lima puluh tiga Rupiah) akan dicatat sebagai Laba ditahan.
Menyetujui pembagian dividen tunai tahun buku 2018 dilaksanakan dengan ketentuan sebagai berikut :
• Pemegang Saham yang berhak menerima dividen tunai tahun buku 2018 adalah pemegang saham Perseroan yang namanya tercatat dalam buku Daftar Pemegang Saham Perseroan pada tanggal 22 Maret 2019.
• Dividen tunai akan dibayarkan pada tanggal 12 April 2019 dengan cara membayar dividen tunai cash deviden sekitar sebesar Rp 18,5 (delapan belas koma lima Rupiah) setiap saham. Untuk pembagian dividen dikenakan pajak sesuai dengan ketentuan yang berlaku yang wajib dipotong Perseroan.
• Memberikan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melaksanakan segala sesuatunya sehubungan dengan pembagian dividen tersebut serta mengumumkannya dengan memperhatikan peraturan yang berlaku.
Resolutions• Appropriated a balance of Rp1,000,000,000.- (one billion
Rupiah from the Company’s net income to be allocated as general reserve in order to comply with the provisions of Article 70 paragraph (1) of Law No. 4 of 2007 concerning Limited Liability Companies;
• Amounted to Rp 64.554.702.879,9, - (sixty four billion five hundred fifty four million seven hundred two thousand eight hundred seventy nine point nine rupiah) or 30 (thirty percent) Net Profit company to pay the devidend in cash of the fiscal year 2018 which will be distributed to 3,481,481,480 (three billion four hundred eighty one million four hundred and eighty one thousand four hundred and eighty) shares and each share receives a dividend of Rp.18.5 (eighteen point five rupiah) per share;
• The remaining net income of Rp 149.627.640.053, - (one hundred forty nine billion six hundred twenty seven million six hundred and forty thousand fifty three rupiah) to be recorded as Retained Earnings.
Approve the distribution of cash dividends for the fiscal year 2018, subject to the following conditions:
• Cash Dividend will be distributed to the shareholders whose names are listed in the Company’s Shareholder Registration as per recording date on March 22,2019.
• Cash dividend will be pain on April 12, 2019 of Rp.18.5 (eighteen point five rupiah) per share. The cash dividend shall be subjected to taxes in accordance with the prevailing Tax Regulations.
• Provided the power of attorney with the right ofsubstitution to the Company’s Board of Directors to implement all matters related to such dividend.
RealisasiTelah direalisasikan
RealizationsHas been realized
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH220
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Agenda 4Penunjukan Akuntan Publik yang akan melakukan audit terhadap Laporan Keuangan Perseroan yang berakhir pada tanggal 31 Desember 2019.
Appointment of Public Accountant to audit the Company’s Financial Statements ended 31 December 2019.
Hasil • Menunjuk Kantor Akuntan Publik Purwantono, Sungkoro
& Surja, Firma anggota dari Ernst & Young Global Limited dalam rangka pelaksanaan Audit terhadap Laporan Keuangan Perseroan untuk tahun buku yang berakhir 31 Desember 2019. Dengan biaya jasa pelaksanaan sebesar Rp 608.000.000,- (enam ratus delapan juta Rupiah) dengan syarat syarat yang dianggap baik.
• Memberikan wewenang dan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan penunjukan Akuntan Publik tersebut, termasuk untuk memberitahukan dan mengumumkan ke publik (jika diperlukan).
Resolutions• Appoint Purwantono, Sungkoro & Surja a Member Firm of
Ernst & Young Global Limited in the implementation of the Company's Financial Audit for the year ended December 31, 2019. With the implementation service fee of Rp 608.000.000 (six hundred eight million rupiah) with good requirements.
• For the purpose stated above, the GMS further granted the power and authority with the power to delegate to the Company’s Board of Directors to undertake all actions required with regard to the appointment of the Public Accountant Firm mentioned, including to inform and announce such appointment to the public (if deemed necessary).
RealisasiTelah direalisasikan
RealizationsHas been realized
Agenda 5Penetapan pembagian tugas dan wewenang para anggota Direksi Perseroan untuk Tahun Buku 2019.
Determination of the division of duties and authority of the members of the Company's Directors for Fiscal Year 2019.
Hasil Pembagian tugas dan wewenang para anggota Direksi Perseroan untuk Tahun buku 2019 diusulkan untuk diserahkan kepada Direksi Perseroan dengan memperhatikan ketentuan dalam Pasal 92 ayat 6 Undang-undang Nomor : 40 Tahun 2007 tentang Perseroan Terbatas, dengan memperoleh persetujuan terlebih dahulu dari Dewan Komisaris Perseroan.
ResolutionsThe right to determine the duties and authorities of the members of the Company’s Board of the Directors for the Financial Year 2019 was proposed to be entrusted to the Company’s Board of Directors, with due consideration to the provisions of Article 92 paragraph 6 (six) of Law No. 40 of 2007 concerning Limited Liability Companies, by firstly obtaining the approval from the Company’s Board of Commissioners.
RealisasiTelah direalisasikan
RealizationsHas been realized
Horizon of GrowtH 221PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Agenda 6Penetapan besarnya uang jasa dan tunjangan lainnya untuk para anggota Dewan Komisaris Perseroan dan para anggota Dewan Pengawas Syariah Perseroan, serta pelimpahan wewenang kepada Dewan Komisaris untuk menetapkan besarnya gaji/honorarium dan/atau tunjangan lain bagi para anggota Direksi Perseroan untuk Tahun Buku 2019.
Stipulation of service fees amount and other benefits for members of the Company’s Board of Commissioners and members of the Company’s Sharia Supervisory Board, as well as the delegation of authority to the Board of Commissioners to determine the amount of salary/honorarium and/or other benefits for members of the Company’s Board of Directors for Fiscal Year 2018.
Hasil • Penentuan uang jasa dan tunjangan lainnya untuk para
anggota Dewan Komisaris Perseroan dan para anggota Dewan Pengawas Syariah Perseroan diusulkan untuk dilimpahkan wewenangnya kepada Presiden Komisaris Perseroan dengan memperhatikan usul dan rekomendasi dari Komite Nominasi dan Remunerasi Perseroan dan besarnya uang jasa dan atau tunjangan dalam bentuk apapun lainnya yang telah ditetapkan bagi anggota Dewan Komisaris dan anggota Dewan Pengawas Syariah dimaksud akan dicantumkan dalam Laporan Tahunan untuk tahun buku 2019.
• Melimpahkan wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk menentukan besarnya gaji dan/atau tunjangan lain bagi para anggota Direksi Perseroan untuk Tahun Buku 2019 dengan memperhatikan usul dan rekomendasi dari Komite Nominasi dan Remunerasi Perseroan dan besarnya gaji dan/atau tunjangan dalam bentuk apapun lainnya yang telah ditetapkan bagi para anggota Direksi Perseroan dimaksud akan dicantumkan dalam Laporan Tahunan untuk tahun buku 2019.
Resolutions• Whereas the right to determine the remuneration and
other benefits for the members of the Company’s Board of Commissioners and Sharia Supervisory Board was proposed to be entrusted to the Company’s President Commissioner, with due consideration to the proposal and recommendations from the Company’s Remuneration and Nomination Committee and the amount of remuneration and/or benefits in any other form that have been determined for the members of the Board of Commissioners and members Sharia Superviory referred to above shall be disclosed in the Annual Report for the financial year of 2019.
• Further granted the power and authority to the Company’s Board of Commissioners to determine the amount of salary and/or other benefits for the members of the Company’s Board of Directors for the financial year 2019, with due consideration to the proposal and recommendations from the Company’s Remuneration and Nomination Committee and the amount of remuneration and/or benefits in any other form that have been determined for the members of the Company’s Board of Directors referred to above shall be disclosed in the Annual Report for the financial year of 2019.
RealisasiTelah direalisasikan
RealizationsHas been realized
Agenda 7Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Perseroan selama 2018:a. Obligasi Berkelanjutan II WOM Finance Tahap IV Tahun 2018;b. Obligasi Berkelanjutan II WOM Finance Tahap V Tahun 2018;c. Obligasi Berkelanjutan III WOM Finance Tahap I Tahun 2018.
Realization Report on the Use of Funds from the Company's Public Offering during 2018:a. Sustainable Bonds II of WOM Finance Phase IV Year 2018;b. Sustainable Bonds II of WOM Finance Phase V Year 2018;c. Sustainable Bonds III of WOM Finance Phase I Year 2018
Hasil Menyetujui dan menerima Laporan Realisasi Penawaran Umum Berkelanjutan Obligasi Berkelanjutan II Tahap IV dan V Tahun 2018 serta Penawaran Umum Berkelanjutan Obligasi Berkelanjutan III Tahap I Tahun 2018 sebagaimana tercantum dalam Laporan Kegiatan Perseroan Tahun Buku 2018.
ResolutionsApproved and accepted the Realization Report, Public Offering of Sustainable Bonds II of WOM Finance, Phase IV and V of 2018 and the Public Offering of Sustainable Bonds III of WOM Finance, Phase I as contained in the Company’s Activities Report of 2017 Fiscal Year. The report had been submitted to the Financial Services Authority and its summary had been presented in the Meeting.
RealisasiTelah direalisasikan
RealizationsHas been realized
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH222
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Agenda, Hasil & Realisasi RUPSLBEGMS Agenda, Resolutions & Realizations
Agenda 1Perubahan Anggaran Dasar Perseroan khususnya Pasal 3 Amendment to the Company's Articles of Association especially
Article 3
Hasil • Menyetujui Perubahan Anggaran Dasar Perseroan,
khususnya Pasal 3.• Melimpahkan wewenang dan kuasa kepada Direksi
Perseroan untuk menyatakan kembali dan/atau menegaskan kembali dalam suatu akta Notaris (termasuk perubahan dan/atau penambahan) sehubungan dengan perubahan ketentuan dalam Anggaran Dasar Perseroan tersebut, serta memberikan wewenang dan kuasa kepada Direksi Perseroan dengan hak substitusi kepada Notaris untuk memohon persetujuan kepada instansi yang berwenang dan karenanya pula mengajukan permohonan surat-surat dokumen-dokumen lainnya; singkatnya melakukan segala tindakan lainnya yang diperlukan sesuai dengan ketentuan Anggaran Dasar Perseroan dan peraturan perundang-undangan yang berlaku.
Resolutions• Approve changes of Articles of Association, especially article
3.• Delegating authority and power to the Board of Director
to determine the remaining and/or reaffirmed in a Notarial Deed (including changes and / or additions)related to change provisions of Articles of Association and also provided authority and power of attorney with substitution right to the Notary to submit the notification/registration to related institution and therefore also submit applications for other documents; in short to perform any other necessary actions in accordance with the provisions of the Articles of Association of the Company and the prevailing laws and regulations.
RealisasiTelah direalisasikan
RealizationsHas been realized
Agenda 2Persetujuan atas rencana Perseroan untuk mengalihkan hak atau menjaminkan sebagian besar atau seluruh piutang milik Perseroan dalam rangka perolehan pinjaman dan/atau pendanaan (termasuk syari’ah) dari lembaga keuangan bank (termasuk PT Bank Maybank Indonesia Tbk) maupun bukan bank baik dalam negeri maupun luar negeri termasuk dalam rangka Penawaran Umum Obligasi Berkelanjutan pada Tahun Buku 2019.
Approval of the Company's plan to transfer rights or guarantee most or all of the Company's receivables in the context of obtaining loans and / or funding (including sharia) from bank financial institutions (including PT Bank Maybank Indonesia Tbk) or non-banks both domestic and foreign countries are included in the framework of the Public Offering of Sustainable Bonds in Fiscal Year 2019.
Horizon of GrowtH 223PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Agenda 2Hasil • Menyetujui tindakan Direksi untuk menjaminkan sebagian
besar atau seluruh aset Perseroan berupa piutang Perseroan yang timbul dari pembiayaan yang disalurkan Perseroan sehubungan dengan perolehan pinjaman dan/atau pendanaan dari PT Bank DBS Indonesia serta atas rencana Perseroan untuk mengalihkan hak atau menjaminkan sebagian besar atau seluruh piutang milik Perseroan dalam rangka perolehan pinjaman dan/atau pendanaan (termasuk syari’ah) dari lembaga keuangan bank (termasuk PT Bank Maybank Indonesia Tbk) maupun bukan bank baik dalam negeri maupun luar negeri pada Tahun Buku 2019 termasuk pemberian jaminan dalam rangka penerbitan lanjutan PUB III sampai jumlah setinggi-tingginya sebesar Rp4.429.500.000.000,- (empat triliun empat ratus dua puluh sembilan miliar lima ratus juta Rupiah) dalam beberapa tahap pada tahun buku 2019.
• Memberi kuasa dan wewenang dengan hak substitusi kepada Direksi untuk melakukan segala tindakan yang diperlukan sehubungan pemberian jaminan hutang sebagian besar atau seluruh piutang milik Perseroan sebagaimana dimaksud dalam butir 1 (satu) di atas.
Resolutions• Approving the action of the Board of Directors to utilize
majority or all of the assets of the Company, in the form of receivables from the financing granted by the Company in connection with loans and/or financing from PT Bank DBS Indonesia, as well as the Company’s plan to divert, release or to place as collateral the majority or entire receivables of the Company, in an effort to obtain loans and/or funding (including sharia) from banking financial institutions (including PT Bank Maybank Indonesia Tbk) as well as non banks, locally or overseas in Fiscal Year 2019, including to place as collateral due to the issuance of public offering of sustainable Bonds III to the highest amount of Rp 4.429.500.000.000,- (four trillion four hundred twenty nine billion five hundred million rupiah) in several phases in fiscal year 2019.
• Granting authority and power with the right of substitution to the Board of Directors to take any necessary actions the issuance including providing guarantee majority or all receivables of the Companyas mentioned point 1 (one) above.
RealisasiTelah direalisasikan
RealizationsHas been realized
Tahapan Pelaksanaan RUPSLB Tanggal 10 Oktober 2019Stages of the EGMS Convention Dated October 10, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaraan RUPSLB Perseroan
Berdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang
Berlaku Terkait RUPSMandatory Rules on the EGMS Based on the
Articles of Association and Prevailing GMS Regulatories
Pemberitahuan RUPSLB kepada Regulator
EGMS Notification to the Regulators
Surat pemberitahuan rencana RUPSLB kepada OJK dan Bursa Efek Indonesia e-Reporting pada tanggal 27 Agustus 2019.
Notification letter of the EGMS plan to OJK and Indonesia Stock Exchange e-Reporting on August 27, 2019.
Pemberitahuan mengenai mata acara RUPSLB yang diungkapkan secara jelas dan rinci serta disampaikan paling lambat 5 (lima) hari kerja sebelum pengumuman RUPSLB, dengan tidak memperhitungkan tanggal pengumuman RUPSLB.
Notification on the EGMS agenda in clarity and detailed as well as submitted at the latest 5 (five) working-days prior to the EGMS announcement, excluding the announcement date.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH224
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Tahapan Pelaksanaan RUPSLB Tanggal 10 Oktober 2019Stages of the EGMS Convention Dated October 10, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaraan RUPSLB Perseroan
Berdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang
Berlaku Terkait RUPSMandatory Rules on the EGMS Based on the
Articles of Association and Prevailing GMS Regulatories
Pengumuman RUPSLBEGMS Announcement Date
• Diumumkan pada surat kabar Harian Investor Daily tanggal 03 September 2019;
• Announced on Daily Investor daily newspaper on September 03, 2019.
• Diunggah pada situs web Perseroan tanggal 03 September 2019;
• Uploaded to the Company Website on September 03, 2019.
• Diunggah pada situs web bursa efek pada tanggal 03 September 2019;
• Uploaded to the Stock Exchange on September 03, 2019.
• Bukti pengumuman disampaikan kepada OJK pada tanggal 03 September 2019 dan Bursa Efek Indonesia e-Reporting pada tanggal 03 September 2019.
• Proof of announcement submitted to the OJK on September 03, 2019, and Indonesia Stock Exchange e-Reporting on September 03, 2019.
Disampaikan minimal melalui 1 (satu) Surat Kabar harian nasional berbahasa Indonesia, situs Bursa Efek dan situs resmi Perseroan dalam bahasa Indonesia dan bahasa Inggris paling lambat 14 (empat belas) hari sebelum tanggal panggilan RUPSLB, dengan tidak memperhitungkan tanggal pemberitahuan dan tanggal panggilan.Submitted minimally through 1 (one) Indonesian language National daily newspaper, Stock Exchange website and Company official website in Indonesian and English at the tatest 14 (fourteen) days before EGMS, without counting the notifying day and the summoning day.Bukti pengumuman RUPSLB disampaikan kepada OJK paling lambat 2 (dua) hari kerja setelah pengumuman RUPSLB.Proof of EGMS announcement submitted to OJK at the latest 2 (two) working days after EGMS announcement.
Horizon of GrowtH 225PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Tahapan Pelaksanaan RUPSLB Tanggal 10 Oktober 2019Stages of the EGMS Convention Dated October 10, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaraan RUPSLB Perseroan
Berdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang
Berlaku Terkait RUPSMandatory Rules on the EGMS Based on the
Articles of Association and Prevailing GMS Regulatories
Panggilan RUPSLB beserta penjelasan mata acara RUPSLB
AGMS & EGMS Invitation including the agenda
• Diumumkan pada surat kabar Harian Investor Daily tanggal 18 September 2019;
• Announced on Daily Investor daily newspaper on September 18, 2019.
• Diunggah pada situs web Perseroan tanggal 18 September 2019;
• Uploaded to the Company Website on September 18, 2019.
• Diunggah pada situs web bursa efek pada tanggal 18 September 2019;
• Uploaded to the Stock Exchange on September 18, 2019.
• Bukti pemanggilan disampaikan kepada OJK pada tangggal 18 September 2019 dan Bursa Efek Indonesia e-Reporting pada tanggal 18 September 2019.
• Proof of summoning submitted to the OJK on September 18, 2019, and Indonesia Stock Exchange e-Reporting on September 18, 2019.
Disampaikan minimal melalui 1 (satu) Surat Kabar harian nasional berbahasa Indonesia, situs Bursa Efek dan situs resmi Perusahaan dalam bahasa Indonesia dan bahasa Inggris paling lambat 21 (dua puluh satu) hari sebelum tanggal penyelenggaraan RUPSLB, dengan tidak memperhitungkan tanggal panggilan dan tanggal RUPSLB.Submitted minimally through 1 (one) Indonesian language National daily newspaper, Stock Exchange website and Company official website in Indonesian and English at the tatest 21 (twenty one) days before EGMS, without counting the summoning day and EGMS day.
Bukti pemanggilan disampaikan kepada OJK paling lambat 2 (dua) hari kerja setelah pemanggilan RUPS.Proof of summoning submitted to OJK at the latest 2 (two) working days after GMS summoning.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH226
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Tahapan Pelaksanaan RUPSLB Tanggal 10 Oktober 2019Stages of the EGMS Convention Dated October 10, 2019
TahapanStages
PelaksanaanConvention
Ketentuan Yang Harus Dipenuhi Terkait Penyelenggaraan RUPSLB Perseroan
Berdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang
Berlaku Terkait RUPSMandatory Rules on the EGMS Based on the
Articles of Association and Prevailing GMS Regulatories
Penyelenggaraan RUPSLBEGMS Convention
Tanggal 10 Oktober 2019Dated October 10, 2019
Ringkasan Risalah RUPSLB
EGMS Minutes of Meeting Summary
Pengumuman Ringkasan risalah rapat
Minutes of Meeting Announcement
Ringkasan risalah RUPSLB diumumkan pada surat kabar Harian Investor Daily tanggal 14 Oktober 2019;EGMS Minutes of Meeting Summary announced on Daily Investor daily newspaper on October 14, 2019;Ringkasan risalah RUPSLB diunggah pada situs web Perseroan dan situs bursa efek pada tanggal 14 Oktober 2019.EGMS Minutes of Meeting Summary uploaded to the Company Website and the Stock Exchange website on October 14, 2019;
Ringkasan risalah RUPSLB disampaikan minimal melalui 1 (satu) Surat Kabar harian nasional berbahasa Indonesia, situs Bursa Efek dan situs resmi Perseroan dalam bahasa Indonesia dan bahasa Inggris paling lambat 2 (dua) hari kerja setelah penyelenggaraan RUPSLB.EGMS Minutes of Meeting Summary was submitted minimally trough 1 (one) Indonesian language national daily newspaper, the Stock Exchange website, and the Company website in Indonesian and English at the latest 2 (two) working days after EGMS.
Laporan ke Regulator
Report to the Regulators
Bukti pengumuman ringkasan risalah RUPSLB disampaikan kepada OJK pada tanggal 14 Oktober 2019.Proof of EGMS Minutes of Meeting Summary announcement submitted to the OJK on October 14, 2019;
Bukti pengumuman ringkasan risalah RUPSLB disampaikan paling lambat 2 (dua) hari kerja setelah diumumkan.Proof of EGMS Minutes of Meeting Summary announcement submitted at the latest 2 (two) working days after being announced.
Risalah RUPSLBEGMS Minutes of Meeting
Akta Risalah RUPSLB dari Notaris disampaikan ke OJK pada tanggal 7 November 2019.Notarial Deed of EGMS minutes submitted to OJK on November 7, 2019.
Akta Risalah RUPSLB disampaikan ke OJK paling lambat 30 (tiga puluh) hari kerja setelah penyelenggaraan RUPSLB.Notarial Deed of EGMS minutes submitted to OJK at the latest 30 (thirty) working days after EGMS
Horizon of GrowtH 227PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Pelaksanaan RUPSLB EGMS Convention
Tanggal dan WaktuDate and Time
: 10 Oktober 2019 / 10.24 – 10.54October 10, 2019/ 10.24 - 10.54
TempatVenue
: Function Room, Sentral Senayan III Lantai 28, Jl. Asia Afrika No. 8 Kelurahan Gelora Bung Karno - Senayan, Jakarta Pusat 10270
KuorumQuorum
: RUPSLB dihadiri oleh 3.220.415.399 saham (92,50%) dari total 3.481.481.480 saham.The EGMS was attended by 3.220.415.399 shares (92.50%) from the total shares of 3,481,481,480
Pimpinan RUPSGMS Chairman
: I Nyoman Tjager Presiden Komisaris/ Komisaris IndependenPresident Commissioner/ Independent Commissioner
Kehadiran anggota Dewan Komisaris termasuk Presiden KomisarisAttendance of members of the Board of Commissioners including President Commissioner
: a. I Nyoman Tjagerb. Myrnie Zachraini Tamin
Kehadiran anggota Direksi termasuk Presiden DirekturAttendance of members of the Board of Directors including President Director
: a. Djaja Suryanto Sutandarb. Zacharia Susantadiredjac. Anthony Y Panggabeand. Njauw Vido Onadi
NotarisNotary
: Leolin Jayayanti, SH, M.Kn,
Jumlah pemegang saham yang mengajukan pertanyaan dan/atau memberikan pendapatTotal shareholders submitting questions and/or providing opinions
: Nihil / Nil
Mekanisme pengambilan keputusan RUPSTAGMS decision making mechanisms
: Mekanisme pengambilan keputusan dilakukan secara lisan dengan meminta kepada pemegang saham, dan/atau kuasanya untuk mengangkat tangan bagi yang memberikan suara tidak setuju dan abstain, sedangkan yang memberikan suara setuju tidak diminta mengangkat tangan. Suara abstain dianggap mengeluarkan suara yang sama dengan suara mayoritas pada pemegang saham yang mengeluarkan suara.The decision making mechanisms is orally conducted by requesting the sharehdolders and/or its proxies to raise hand for dis-approved voting and abstain, whereas the approved voting are not requested to raise hand. Abstain voting is considered as the same voting with majority voting from the shareholders.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH228
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Agenda, Hasil & Realisasi RUPSLBEGMS Agenda, Resolutions & Realizations
Agenda 1Penggantian Akuntan Publik yang akan melakukan audit terhadap Laporan Keuangan Perseroan yang berakhir pada tanggal 31 Desember 2019
The replacement of the Public Accountant who will conduct the audit on The Company’s Financial Report which ends on December 31, 2019.
Hasil • Menunjuk Tuan Muhammad Kurniawan menggantikan tuan
Yasir dan tetap menunjuk Kantor Akuntan Publik Purwantono, Sungkoro & Surja (firma anggota Ernst & Young Global Limited) yang masing-masing sebagai Akuntan Publik dan Kantor Akuntan Publik dalam rangka audit terhadap Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31-12-2019 (tiga puluh satu Desember dua ribu sembilan belas) dengan biaya jasa audit sesuai yang telah diputuskan Rapat Umum Pemegang Saham Tahunan Perseroan Tahun 2019 (dua ribu sembilan belas) pada tanggal 12-03-2019 (dua belas Maret dua ribu sembilan belas) sebesar Rp 608.000.000,00 (enam ratus delapan juta Rupiah) dan dengan syarat-syarat yang dianggap baik.
• Memberi wewenang dan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melaksanakan hal-hal yang dipandang perlu sehubungan dengan penunjukan Tuan Muhammad Kurniawan sebagai Akuntan Publik dan Kantor Akuntan Publik Purwantono, Sungkoro & Surja (firma anggota Ernst & Young Global Limited) sebagai Kantor Akuntan Publik yang melaksanakan audit terhadap Laporan Keuangan Perseroan untuk tahun buku yang berakhir 31-12-2019 (tiga puluh satu Desember dua ribu sembilan belas), termasuk untuk memberitahukan dan mengumumkan ke publik (jika diperlukan).
• Memberikan wewenang dan kuasa kepada Dewan Komisaris untuk melaksanakan hal-hal dipandang perlu sehubungan dengan penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik pengganti dalam hal Akuntan Publik Tuan Muhammad Kurniawan dan/atau Kantor Akuntan Publik Purwantono, Sungkoro & Surja (firma anggota Ernst & Young Global Limited) karena sebab apapun tidak dapat menyelesaikan audit terhadap Laporan Keuangan Perseroan untuk tahun buku yang berakhir 31-12-2019 (tiga puluh satu Desember dua ribu sembilan belas) termasuk penetapan syarat-syarat lainnya tentang penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik pengganti dengan memperhatikan rekomendasi Komite Audit Perseroan dan peraturan perundang-undangan yang berlaku.
Resolutions• Appointed Mr. Muhammad Kurniawan replaced Mr. Yasir and
continued to appoint Public Accountant Firm Purwantono, Sungkoro & Surja (Member Firm of Ernst & Young Global Limited) of each as Public Accountants and Public Accountant Firm in the implementation of the Company's Financial Audit for the year ended December 31, 2019 (thirty-one of December two thousand and nineteen) with audit service fees as determined by the Annual General Meeting of Shareholders of the Company in 2019 (two thousand nineteen) on 12-03-2019 (twelve March two thousand nineteen) of Rp 608.000.000, - (six hundred eight million rupiah) with good requirements.
• Granted authority and power with substitution rights to the Company’s Board of Directors to undertake all actions required in relations with the appointment of, Mr. Muhammad Kurniawan as a Public Accountant and Public Accountant Firm Purwantono, Sungkoro & Surja (Member Firm of Ernst & Young Global Limited) as Public Accountants Firm in the implementation of the Company's Financial Audit for the year ended December 31, 2019 (thirty one of December two thousand and nineteen), including to notify and announce to the public (if necessary).
• Granted the authority and power to the Company’s Board of Commissioners to undertake all actions required in relations with the appointment of substitute Public Accountant and/or Public Accountant Firm in terms of Public Accountant Muhammad Kurniawan and/or Public Accountant Firm Purwantono, Sungkoro & Surja (Member Firm of Ernst & Young Global Limited) because any cause can’t finished audit of the Company's Financial Audit for the year ended December 31, 2019 (thirty one of December two thousand and nineteen), including the establishment of other requirements on appointment of substitute Public Accountant and/or Public Accountant Firm with regard to the recommendation of the Audit Committee and the prevailing regulatories.
RealisasiTelah direalisasikan
RealizationsHas been realized
Horizon of GrowtH 229PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
Agenda 2Perubahan susunan Direksi Perseroan. The change in the Board of Directors composition.
Hasil • Memberhentikan Tuan Simon Tan Kian Bing dari jabatannya
sebagai Direktur Independen Perseroan efektif terhitung sejak tanggal 15-07-2019 (lima belas Juli dua ribu sembilan belas).
• Menyetujui untuk mengangkat Tuan Wibowo sebagai Direktur Perseroan terhitung sejak ditutupnya Rapat ini sampai dengan ditutupnya Rapat Umum Pemegang Saham Tahunan Perseroan pada tahun 2020 (dua ribu dua puluh), dengan ketentuan bahwa pengangkatan Tuan Wibowo sebagai Direktur Perseroan akan berlaku efektif setelah diperolehnya persetujuan dari Otoritas Jasa Keuangan.
• Menetapkan bahwa sejak ditutupnya Rapat, susunan Direksi Perseroan menjadi sebagai berikut:Presiden Direktur : Tuan Djaja Suryanto Sutandar;Direktur : Tuan Zacharia Susantadiredja;Direktur : Tuan Anthony Yuarez Panggabean;Direktur : Tuan Njauw Vido Onadi;Direktur : Tuan Wibowo;
• Pengangkatan Tuan WIBOWO sebagai Direktur Perseroan terhitung sejak ditutupnya Rapat ini sampai dengan ditutupnya Rapat Umum Pemegang Saham Tahunan Perseroan pada tahun 2020 (dua ribu dua puluh), dengan ketentuan pengangkatan tersebut akan berlaku efektif setelah diperolehnya persetujuan dari Otoritas Jasa Keuangan.
• Memberikan wewenang dan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan perubahan susunan anggota Direksi Perseroan tersebut, termasuk menyatakan kembali dan/atau menegaskan kembali dalam suatu akta Notaris sehubungan dengan perubahan susunan anggota Direksi Perseroan tersebut, dan untuk memberitahukan dan mengumumkan ke publik (jika diperlukan) serta untuk mengajukan pendaftaran, memperoleh penerimaan pemberitahuan atau mengajukan persetujuan dari instansi yang berwenang.
Resolutions• Approve the termination of Mr Simon Tan Kian Bing from his
position as Independent Director of the Company effective as of the date of 15-07-2019 (fifteenth of July two thousand and nineteen)
• Approved to appoint Mr. Wibowo as Director of the Company as of the closing of this Meeting until the closing of the Annual General Meeting of Shareholders of the Company in 2020 (two thousand and twenty), provided that the appointment of Mr. Wibowo as Director of the Company will be effective after obtaining approval from the Service Authority Finance.
• Determined that since the closing of the Meeting, the composition of the Company's Directors is as follows:President Director : Mr. Djaja Suryanto Sutandar;Director : Mr. Zacharia Susantadiredja;Director : Mr. Anthony Yuarez Panggabean;Director : Mr. Njauw Vido Onadi;Director : Mr. Wibowo;
• The appointment of Mr. Wibowo as Director of the Company as of the closing of this Meeting until the closing of the Annual General Meeting of Shareholders of the Company in 2020 (two thousand and twenty), provided that the appointment will be effective after obtaining approval from the Financial Services Authority.
• Granted authority and power with substitution rights to the Company’s Board of Directors to undertake all actions required in relations with the changed of composition of members of the Company’s Board of Directors to restate and/or reaffirm in the Notary deed in relations with the changed of composition of members of the Company’s Board of Directors including to notify and announce to the public (if necessary), and to apply for registration, obtain notification of receipt or submit approval from the authorized institutions.
RealisasiTelah direalisasikan
RealizationsHas been realized
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH230
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
KEPUTUSAN DAN REALISASI HASIL RUPST DAN RUPSLB TAHUN SEBELUMNYA RESOLUTION AND REALIZATION OF PREVIOUS YEAR AGMT AND EGMS
AGENDA KEPUTUSAN RUPS TAHUNAN 2019ANNUAL GMS RESOLUTIONS 2019
TELAH DIREALISASIKAN
HAS BEEN REALIZED
Pertama First
Menyetujui dan menerima Laporan Kegiatan Perseroan Tahun Buku 2018.Approve and receive the 2018 Company Activity Report.
Telah direalisasikanHas been realized
KeduaSecond
• Menyetujui dan mengesahkan Laporan Keuangan Tahunan Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2017 yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Sungkoro & Surja (Firma anggota Ernst & Young Global Limited) sebagaimana ternyata dari laporan Auditor tertanggal 15 Februari 2018 dengan pendapat ”Wajar dalam semua hal yang material”.
• Memberikan pembebasan dan pelunasan sepenuhnya acquit et de charge kepada para anggota Direksi dan para anggota Dewan Komisaris Perseroan yang menjabat pada tahun 2017 atas tindakan kepengurusan dan pengawasan yang telah mereka lakukan selama Tahun Buku 2017. Sepanjang tindakan pengurusan dan pengawasannya dimaksud tercermin dalam buku dan catatan Perseroan sepanjang tahun buku 2017, selama tidak termasuk dalam kategori tindak pidana.
• Approved and ratified the Company’s Annual Financial Statements for Fiscal Year ended December 31, 2017 that has been audited by Public Accountant Firm Purwantono, Sungkoro & Surja (Member Firm of Ernst & Young Global Limited) as stated in the Auditor report dated February 15, 2018 with the opinion “Fair in all material respects”.
• Provided full release and discharge (acquit et de charge) to members of the Board of Directors and members of the Board of Commissioners of the Company that served in 2017 over the management and oversight of the Company carried out throughout the Financial Year 2017. To the extent that such management actions and supervisory were reflected in the Company’s books and notes throughout 2017, and are not a criminal offense.
Telah direalisasikanHas been realized
Horizon of GrowtH 231PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
AGENDA KEPUTUSAN RUPS TAHUNAN 2019ANNUAL GMS RESOLUTIONS 2019
TELAH DIREALISASIKAN
HAS BEEN REALIZED
KetigaThird
• Sebesar Rp1.000.000.000 dari laba bersih Perseroan untuk digunakan sebagai dana cadangan umum guna memenuhi ketentuan dalam Pasal 70 ayat (1) Undang-undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan pasal 24 Anggaran Dasar Perseroan;
• Maksimal sebesar Rp54.199.516.202,1 atau 30% dari laba bersih Perseroan dibagikan sebagai dividen tunai untuk Tahun Buku 2018 yang akan dibagikan kepada 3.481.481.480 saham, sehingga setiap saham memperoleh dividen atau sekitar sebesar Rp15,5 per saham;
• Sisa dari laba bersih sebesar Rp125.465.537.805 akan dicatat sebagai Laba ditahan; dan
• Menyetujui pembagian dividen tunai tahun buku 2017 dilaksanakan dengan ketentuan sebagai berikut: - Pemegang Saham yang berhak menerima dividen tunai tahun buku 2017
adalah pemegang saham Perseroan yang namanya tercatat dalam buku Daftar Pemegang Saham Perseroan pada tanggal 27 Maret 2018.
- Dividen tunai akan dibayarkan pada tanggal 18 April 2018 dengan cara membayar dividen tunai cash dividen sejumlah Rp15,5 setiap saham. Untuk pembagian dividen dikenakan pajak sesuai dengan ketentuan yang berlaku yang wajib dipotong Perseroan.
- Memberikan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melaksanakan segala sesuatunya sehubungan dengan pembagian dividen tersebut serta mengumumkannya dengan memperhatikan peraturan yang berlaku.
• Amounted to Rp1,000,000.000 from the Company’s net profit to be used as reserve fund to fulfill the provision of Article 70 paragraph (1) Law No. 40 of 2007 on the Limited Liability Company and article 24 of the Company’s Articles of Association;
• Maximum at Rp54,199,516,202, 1 or 30% from the Company’s net profit shall be distributed as cash dividend for fiscal year 2017 that shall be distributed to 3,481,481,480 shares, thereby every share will receive a dividend or appro ximately at Rp15.5 per share;
• The rest of net profit amounted to Rp125,465,537,805 will be posted as Retained Earnings; and
• Approved the cash dividend payout for fiscal year 2017 with the following rules: - The shareholders that have the right to accept the cash dividend of fiscal
year 2017 are the Company’s shareholders recorded in the Company’s Shareholders Registry dated 27 March 2018.
- Cash dividend will be paid on 18 April 2018 by paying cash dividend totaling Rp15.5 for every share. Taxes are applicable for the dividend payout in accordance with the prevailing rules that shall be deducted by the Company.
- Granted power with substitution rights to the Company’s Board of Directors to undertake all matters in relations with the dividend payout as well as to announce it with due observance to the prevailing regulatories.
Telah direalisasikanHas been realized
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH232
Rapat Umum Pemegang SahamGeneral Meeting Of Shareholders
AGENDA KEPUTUSAN RUPS TAHUNAN 2019ANNUAL GMS RESOLUTIONS 2019
TELAH DIREALISASIKAN
HAS BEEN REALIZED
KeempatFourth
• Menunjuk Kantor Akuntan Publik Purwantono, Sungkoro dan Surja (Firma anggota Ernst & Young Global Limited) dalam rangka pelaksanaan Audit Keuangan Perseroan untuk tahun buku yang berakhir 31 Desember 2018 Dengan biaya jasa pelaksanaan sebesar Rp579.400.000 dengan syarat-syarat yang dianggap baik.
• Memberikan wewenang dan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan penunjukan Akuntan Publik tersebut, termasuk untuk memberitahukan dan mengumumkan ke publik (jika diperlukan).
• Appointed Public Accountant Firm Purwantono, Sungkoro dan Surja (Member Firm of Ernst & Young Global Limited) to carry out the Company’s Financial Audit for fiscal year ended 31 December 2018. The service fee was at Rp579,400,000 with reasonable terms.
• Granted authority and power with substitution rights to the Company’s Board of Directors to undertake all actions required in relations with the appointment of such Public Accountant, including to notify and announce to the public (if necessary).
Telah direalisasikanHas been realized
KelimaFifth
Pembagian tugas dan wewenang para anggota Direksi Perseroan untuk Tahun Buku 2018 diusulkan untuk diserahkan kepada Direksi Perseroan dengan memperhatikan ketentuan dalam Pasal 92 ayat 6 (enam) Undang-undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas, dengan memperoleh persetujuan terlebih dahulu dari Dewan Komisaris Perseroan.
The division of duties and authorities of members of the Company’s Board of Directors for Fiscal Year 2018 was proposed to be delegated to the Company’s Board of Directors with due observance to the Article 92 paragraph 6 (six) of Law No. 40 of 2007 on Limited Liability Company, with prior approval from the Company’s Board of Commissioners.
Telah direalisasikanHas been realized
Horizon of GrowtH 233PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
AGENDA KEPUTUSAN RUPS TAHUNAN 2019ANNUAL GMS RESOLUTIONS 2019
TELAH DIREALISASIKAN
HAS BEEN REALIZED
KeenamSixth
• Penentuan uang jasa dan tunjangan lainnya untuk para anggota Dewan Komisaris Perseroan dan para anggota Dewan Pengawas Syariah Perseroan diusulkan untuk dilimpahkan wewenangnya kepada Presiden Komisaris Perseroan dengan memperhatikan usul dan rekomendasi dari Komite Nominasi dan Remunerasi Perseroan dan besarnya uang jasa dan atau tunjangan dalam bentuk apapun lainnya yang telah ditetapkan bagi anggota Dewan Komisaris dan anggota Dewan Pengawas Syariah dimaksud akan dicantumkan dalam Laporan Tahunan untuk tahun buku 2018.
• Melimpahkan wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk menentukan besarnya gaji dan/ atau tunjangan lain bagi para anggota Direksi Perseroan untuk Tahun Buku 2018 dengan memperhatikan usul dan rekomendasi dari Komite Nominasi dan Remunerasi Perseroan dan besarnya gaji dan/atau tunjangan dalam bentuk apapun lainnya yang telah ditetapkan bagi para anggota Direksi Perseroan dimaksud akan dicantumkan dalam Laporan Tahunan untuk tahun buku 2018.
• The determination of service fees amount and other benefits for members of the Company’s Board of Commissioners and members of the Company’s Sharia Supervisory Board is proposed to be delegated the authority to the Company’s President Commissioner by taking into account the proposal and recommendation of the Nomination and Remuneration Committee, and such amount of service fees and or other benefits in any forms that has been stipulated for members of the Board of Commissioners and members of Sharia Supervisory Board will be stated in the Annual Report fiscal year 2018.
• Granted the authority and power to the Company’s Board of Commissioners to determine the amount of salary and/or other benefits for members of the Company’s Board of Directors for Fiscal Year 2018 with due observance to the proposal and recommendation of the Nomination and Remuneration Committee, and such salary and/or other benefits in any forms that has been stipulated for members of the Company’s Board of Directors will be stated in the Annual Report fiscal year 2018.
Telah direalisasikanHas been realized
KetujuhSeventh
Menyetujui dan menerima Laporan Realisasi Penawaran Umum Berkelanjutan Obligasi Berkelanjutan II WOM Finance Tahap II dan III Tahun 2017 sebagaimana tercantum dalam Laporan Perseroan yang telah disampaikan kepada Otoritas Jasa Keuangan serta yang uraian singkatnya telah disampaikan dalam Rapat.
Approved and accepted the Realization Report of the Sustainable Bonds II Public Offering of WOM Finance Phase II and III Year 2017 as stated in the Company’s Report that has been submitted to the Financial Services Authority, of which the brief descriptions has been submitted to the Meeting.
Telah direalisasikanHas been realized
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH234
AGENDA KEPUTUSAN RUPS LUAR BIASA 2018EXTRAORDINARY GMS RESOLUTIONS 2018
TELAH DIREALISASIKAN
HAS BEEN REALIZED
Pertama First
• Menyetujui perubahan tempat kedudukan Perseroan, termasuk didalamnya menyetujui perubahan Anggaran Dasar Perseroan khususnya Pasal 1 ayat 1.
• Melimpahkan wewenang dan kuasa kepada Direksi Perseroan untuk menyatakan kembali dan/atau menegaskan kembali dalam suatu akta Notaris (termasuk perubahan dan/atau penambahan) sehubungan dengan perubahan ketentuan dalam Anggaran Dasar Perseroan tersebut, serta memberikan wewenang dan kuasa kepada Direksi Perseroan dengan hak substitusi kepada Notaris untuk memohon persetujuan kepada instansi yang berwenang dan karenanya pula mengajukan permohonan surat-surat dan dokumen-dokumen lainnya; singkatnya melakukan segala tindakan lainnya yang diperlukan sesuai dengan ketentuan Anggaran Dasar Perseroan dan peraturan perundang-undangan yang berlaku.
• Approved the changed of the Company’s premises, including to approve the amendment of the Company’s Articles of Association specifically Article 1 paragraph 1.
• Delegated the authority and power to the Company’s Board of Directors to restate and/or reaffirm in the Notary deed (including the amendment and/or addition) in relations with the amendment of rules in the Company’s Articles of Association, as well as granted authority and power to the Company’s Board of Directors with substitution rights for the Notary to request the approval to the authorized institutions and as such to also propose other documentations; in brief to undertake all other actions as required in accordance with the rules of the Company’s Articles of Association and prevailing regulatories.
Telah direalisasikanHas been realized
KeduaSecond
1. Menyetujui tindakan Direksi untuk menjaminkan sebagian besar aset Perseroan berupa piutang Perseroan yang timbul dari pembiayaan yang disalurkan Perseroan sehubungan dengan perolehan pinjaman dan/atau pendanaan dari PT Bank Permata Tbk serta atas rencana Perseroan untuk mengalihkan, melepaskan hak atau menjaminkan sebagian besar atau seluruh piutang milik Perseroan dalam rangka perolehan pinjaman dan/atau pendanaan (termasuk syari’ah) dari lembaga keuangan bank (termasuk PT Bank Maybank Indonesia Tbk) maupun bukan bank baik dalam negeri maupun luar negeri pada Tahun Buku 2018 termasuk pemberian jaminan dalam rangka penerbitan lanjutan PUB II sampai jumlah setinggi-tingginya sebesar Rp2.247.000.000.000 dalam beberapa tahap pada tahun buku 2018.
2. Menyetujui atas rencana Perseroan untuk menjaminkan sebagian besar atau seluruh piutang milik perseroan yang timbul karena pemberian pembiayaan terkait penerbitan Obligasi Berkelanjutan III WOM Finance sampai dengan jumlah setinggi-tingginya sebesar Rp5.000.000.000.000.
3. Memberi kuasa dan wewenang dengan hak substitusi kepada Direksi untuk melakukan segala tindakan yang diperlukan sehubungan penerbitan obligasi dan pelaksanaannya dalam waktu 2 (dua) tahun terhitung sejak diperolehnya pernyataan efektifitas penerbitan Obligasi Berkelanjutan III WOM Finance dari Otoritas Jasa Keuangan serta pemberian jaminan hutang sebagian besar atau seluruh piutang milik Perseroan sebagaimana dimaksud dalam butir 1 (satu) di atas dengan pelaksanaannya sampai dengan jangka waktu 1 (satu) tahun atau sampai dengan Rapat Umum Pemegang Saham Tahunan berikutnya.
• Approved the Board of Directors action to place as collateral the majority of the Company’s assets, i.e. its receivables arising from the financing from the Company in relations with the loans and/or funding from PT Bank Permata Tbk as well as the Company’s plan to divert, release or to place as collateral the majority or entire receivables of the Company, in an effort to obtain loans and/or funding (including sharia) from banking financial institutions (including PT Bank Maybank Indonesia Tbk) as well as non banks, locally or overseas in Fiscal Year 2018, including to place as collateral due to the issuance of shelf Bonds public offering II to the highest amount of Rp2,247,000,000,000 in several phases in fiscal year 2018.
• Approved the Company’s plan to place as collateral the majority or entire receivables of the Company arising from the financing related to the Shelf Bonds III WOM Finance up to the highest amount of Rp5,000,000,000,000. Granted power and authority with substitution rights to the Board of Directors to undertake all actions required in regards to the issuance of bonds and its implementations within 2 (two) years effective as of the attainment of Issuance Effectiveness of Shelf Bonds III WOM Finance from the Financial Services Authority, as well as to place as debt collateral for the majority or entire receivables of the Company as stated in point 1 (one) above implemented within a period of 1 (one) year or until the next Annual General Meeting of Shareholders.
Telah direalisasikanHas been realized
Horizon of GrowtH 235PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Dewan KomisarisBoard of Commissioners
DEWAN KOMISARISSalah satu organ tata kelola perusahaan di Perseroan yaitu Dewan Komisaris yang sesuai dengan Undang-Undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas, Dewan Komisaris merupakan organ Perseroan yang memiliki tugas dan tanggung jawab pengawasan atas kebijakan pengurusan, jalannya pengurusan pada umumnya baik mengenai Perseroan dan memberi nasihat kepada Direksi.
Dasar HukumDasar hukum yang menjadi referensi hukum pembentukan dan penunjukan Dewan Komisaris Perseroan mengacu pada beberapa ketentuan antara lain:1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan
Terbatas.2. Anggaran Dasar Perseroan.3. POJK No. 30/POJK.05/2014 tentang Tata Kelola
Perusahaan Yang Baik Bagi Perusahaan Pembiayaan, POJK No.33/POJK.04/2014 tentang Direksi dan Dewan Komsaris Emiten atau Perusahaan Publik, dan POJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan.
4. Akta Pernyataan Keputusan Rapat Tahunan Perseroan No. 30 tanggal 31 Mei 2017 yang dibuat di hadapan Rini Yulianti, S.H., Notaris di Kota Jakarta Timur.
Susunan Dan Komposisi Dewan KomisarisSusunan dan komposisi anggota Dewan Komisaris Perseroan telah memenuhi ketentuan yang berlaku yaitu sebagai berikut:
No. Ketentuan di POJK No. 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan
Provisions in POJK No. 30/POJK.05/2014 concerning Good Corporate Governance for Financing Companies
Implementasi di PerseroanImplementation in the Company
1. Perusahaan yang memiliki aset lebih dari Rp200.000.000.000 (dua ratus miliar rupiah) wajib memiliki paling sedikit 2 (dua) orang anggota Dewan Komisaris.
Companies that have more than Rp200,000,000,000 (two hundred billion rupiahs) of assets must have at least 2 (two) members of the Board of Commissioners.
Perseroan memiliki 5 (lima) anggota Dewan Komisaris.
The Company has 5 (five) members of the Board of Commissioners.
2. Perusahaan wajib mempunyai paling sedikit 1 (satu) orang anggota Dewan Komisaris yang berdomisili di wilayah negara Republik Indonesia.
The company must have at least 1 (one) member of the Board of Commissioners domiciled in the territory of the Republic of Indonesia.
Seluruh anggota Dewan Komisaris berdomisili di wilayah negara Republik Indonesia.
All members of the Board of Commissioners are domiciled in the territory of the Republic of Indonesia.
BOARD OF COMMISSIONERSOne of the Good Corporate Governance organs in the Company is the Board of Commissioners which is in accordance with Law Number 40 Year 2007 concerning Limited Liability Companies, the Board of Commissioners is an organ of the Company whose duties and responsibilities are overseeing management policies, general management of the Company, and provides advice to the Directors.
Legal BasisThe legal basis that becomes the legal reference for the formation and appointment of the Company's Board of Commissioners refers to several provisions including:1. Law No 40 of 2007 concerning Limited Liability
Companies.2. The Company's Articles of Association.3. POJK No. 30/POJK.05/2014 concerning Good
Corporate Governance for Financing Companies, POJK No.33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies, and POJK No. 27/POJK.03/2016 concerning the Fit and Proper Test for Main Parties of the Financial Services Institutions.
4. Deed of Decree of the Annual Meeting of the Company No. 30 dated May 31, 2017 made before Rini Yulianti, S.H., Notary in the City of East Jakarta.
Board of Commissioners CompositionThe composition the Board of Commissioners members have fulfilled the applicable provisions, as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH236
Referring to POJK No. 27/POJK.03/2016 concerning the Fit and Proper Test for Main Parties of the Financial Services Institutions, that prospective members of the Board of Commissioners must obtain approval from the Financial Services Authority before carrying out their actions, duties and functions. All members of the Company’s Board of Commissioners have obtained approval from the Financial Services Authority (passed the fit and proper test of the Financial Services Authority). In 2019, there was no change in the composition of the Board of Commissioners. The composition of the Board of Commissioners of the Company in 2019 has been stated in the Deed of Decree of the Annual Meeting of the Company Number 30 dated May 31, 2017 made before Rini Yulianti, S.H., Notary in the City of East Jakarta.
Dewan KomisarisBoard of Commissioners
No Ketentuan di POJK No.33/POJK.04/2014 tentang Direksi dan Dewan Komsaris Emiten atau Perusahaan Publik
Provisions in POJK No.33/POJK.04/2014 concerning Board of Directors and Board of Commissioners of Issuers or Public Companies
Implementasi di PerseroanImpleentation in the Company
1. Dalam hal Dewan Komisaris terdiri lebih dari 2 (dua) orang anggota Dewan Komisaris, jumlah Komisaris Independen wajib paling kurang 30% (tiga puluh persen) dari jumlah seluruh anggota Dewan Komisaris.
In the event that the Board of Commissioners consists of more than 2 (two) members of the Board of Commissioners, the number of Independent Commissioners must be at least 30% (thirty percent) of the total members of the Board of Commissioners.
2 (dua) orang dari 5 (lima) orang atau 40% dari anggota Dewan Komisaris Perseroan merupakan Komisaris Independen.
2 (two) out of 5 (five) members or 40% of the members of the Company's Board of Commissioners are Independent Commissioners.
2. 1 (satu) di antara anggota Dewan Komisaris diangkat menjadi komisaris utama atau presiden komisaris.
1 (one) member of the Board of Commissioners shall be appointed as the main commissioner or president commissioner.
Perseroan memiliki 1 (satu) Presiden Komisaris.
The Company has 1 (one) President Commissioner.
3. Usulan pengangkatan, pemberhentian dan/atau penggantian anggota Dewan Komisaris kepada RUPS harus memperhatikan rekomendasi dari komite yang menjalankan fungsi nominasi
Proposed appointments, terminations and/or replacements of the Board of Commissioners members to the GMS must consider the recommendations of the committee that carries out the nomination function.
Pengangkatan anggota Dewan Komisaris Perseroan telah memperhatikan rekomendasi Komite Nominasi dan Remunerasi Perseroan serta memperoleh persetujuan dari RUPS.
The appointment of the Company’s Board of Commissioners’ member has taken into account the recommendations of the Company's Nomination and Remuneration Committee and has obtained approval from the GMS.
Merujuk POJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan bahwa calon anggota Dewan Komisaris wajib memperoleh persetujuan dari Otoritas Jasa Keuangan sebelum menjalankan tindakan, tugas dan fungsinya. Seluruh anggota Dewan Komisaris Perseroan telah memperoleh persetujuan dari Otoritas Jasa Keuangan (lulus uji kemampuan dan kepatutan dari Otoritas Jasa Keuangan). Pada tahun 2019, tidak terjadi perubahan susunan Dewan Komisaris. Susunan keanggotaan Dewan Komisaris Perseroan tahun 2019 telah dimuat dalam Akta Pernyataan Keputusan Rapat Tahunan Perseroan Nomor 30 tanggal 31 Mei 2017 yang dibuat di hadapan Rini Yulianti, S.H., Notaris di Kota Jakarta Timur.
Horizon of GrowtH 237PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Dewan KomisarisBoard of Commissioners
Susunan anggota Dewan Komisaris per 31 Desember 2019:Composition of the Board of Commissioners as of December 31, 2019:
Jabatan | Position Nama | Name PeriodeJabatan|TermofOffice
Presiden Komisaris/Komisaris IndependenPresident Commissioner/Independent Commissioner
I Nyoman Tjager RUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
Wakil Presiden KomisarisVice President Commissioner
Robbyanto Budiman RUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
Komisaris Commissioner
Garibaldi Thohir RUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
KomisarisCommissioner
Thilagavathy Nadason RUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
Komisaris IndependenIndependent Commissioner
Myrnie Zachraini Tamin RUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
Masa Jabatan Dewan Komisaris
Masa jabatan anggota Dewan Komisaris adalah terhitung sejak tanggal RUPS yang mengangkatnya sampai ditutupnya RUPS Tahunan yang ke-3 (tiga) setelah tanggal pengangkatannya tersebut. Masa jabatan anggota Dewan Komisaris saat ini akan berakhir pada saat ditutupnya RUPS Tahunan Perseroan tahun 2020 dengan tidak mengurangi kewenangan RUPS untuk memberhentikan anggota Dewan Komisaris sewaktu-waktu sebelum masa jabatannya berakhir. Bagi Komisaris Independen yang telah menjabat selama 2 (dua) periode berturut-turut dapat diangkat kembali pada periode selanjutnya sebagai Komisaris Independen dalam hal menyatakan dalam RUPS mengenai independensi yang bersangkutan.
Pedoman dan Tata Tertib Kerja Dewan KomisarisMengacu pada POJK No.33/POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik, Dewan Komisaris Perseroan telah memiliki Piagam Dewan Komisaris. Piagam Dewan Komisaris mengatur antara lain mengenai:
1. Landasan Hukum Piagam.2. Struktur dan Komposisi Dewan Komisaris.
3. Batasan Rangkap Jabatan Anggota Dewan Komisaris.
4. Pengangkatan Anggota Dewan Komisaris.
Term of Office of the Board of CommissionersA member of the Board of Commissioners’ Term of Office is from the date of the GMS that appointed him/her to the closing of the 3rd (third) Annual GMS after the date of his/her appointment. The current term of office for members of the Board of Commissioners will end at the close of the Company’s Annual GMS in 2020 without prejudice to the authority of the GMS to dismiss members of the Board of Commissioners at any time before their term ends. For an Independent Commissioner who has served for 2 (two) consecutive periods, he/she may be reappointed in the next period as an Independent Commissioner in terms of stating at the GMS regarding the independence concerned.
Board of Commissioners CharterReferring to POJK No.33/POJK.04/ 2014 concerning Directors and Board of Commissioners of Issuers or Public Companies, the Board of Commissioners of the Company has a Board of Commissioners’ Charter. The Charter of the Board of Commissioners regulates among others are:
1. Charter Legal basis.2. Structure and Composition of the Board of
Commissioners.3. Dual Limitation on the Position of Members of the
Board of Commissioners.4. Appointment of Members of the Board of
Commissioners.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH238
5. Masa Jabatan Anggota Dewan Komisaris.
6. Pengunduran Diri Anggota Dewan Komisaris.
7. Jabatan Anggota Dewan Komisaris Berakhir.
8. Deskripsi Tugas dan Tanggung Jawab Dewan Komisaris.
9. Kewenangan Anggota Dewan Komisaris.10. Waktu Kerja.11. Keanggotaan dalam Komite Tata Kelola Terintegrasi.12. Nilai-nilai Dasar (CORE VALUES) dan Etika Kerja.13. Transparansi Kepemilikan Saham dan Pengungkapan
Hubungan Keuangan dan Hubungan Keluarga. 14. Rapat Dewan Komisaris.15. Penilaian Kinerja Dewan Komisaris.16. Remunerasi.17. Sertifikasi dan Syarat Keberlanjutan.18. Pelaporan dan Pertanggungjawaban.
Pengungkapan pedoman atau piagam Dewan Komisaris dalam Laporan Tahunan dilakukan berdasarkan SEOJK No.30/SEOJK.04/2016 tentang Bentuk dan lsi Laporan Tahunan Emiten atau Perusahaan Publik pada Bab III tentang isi Laporan Tahunan yang antara lain menyatakan bahwa uraian Tata Kelola Emiten atau Perusahaan Publik dalam Laporan Tahunan mencakup pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam charter Dewan Komisaris. Perseroan telah memiliki Piagam Dewan Komisaris yang disetujui oleh Dewan Komisaris pada tanggal 18 April 2018 untuk menjadi rujukan/pedoman bagi anggota Dewan Komisaris Perseroan dalam menjalankan tugasnya secara efektif dan efisien maupun untuk pihak-pihak lain yang terkait dengan pelaksanaan tugas Dewan Komisaris.
Untuk memastikan Piagam Dewan Komisaris tetap relevan bagi setiap anggota Dewan Komisaris Perseroan, Piagam Dewan Komisaris diperbaharui dari waktu ke waktu mengikuti perkembangan peraturan perundang-undangan dan praktik terbaik.
Piagam Dewan Komisaris dapat dilihat pada website Perseroan www.wom.co.id.
5. Term of Office of Members of the Board of Commissioners.
6. Resignation of Members of the Board of Commissioners.
7. Position of Member of the Board of Commissioners ends.
8. Description of the Duties and Responsibilities of the Board of Commissioners.
9. Authority of Members of the Board of Commissioners.10. Working Time.11. Membership in the Integrated Governance Committee.12. Basic Values (CORE VALUES) and Work Ethics.13. Transparency in Share Ownership and Disclosure of
Financial and Family Relations.14. Board of Commissioners Meeting.15. Performance Evaluation of the Board of Commissioners.16. Remuneration.17. Sustainability Certification and Requirements.18. Reporting and Accountability.
Board of Commissioners Guidelines or Charter Disclosure in the Annual Report is based on the SEOJK No.30/ SEOJK.04/2016 concerning the Form and Content of the Annual Report of the Issuer or Public Company in Chapter III concerning the contents of the Annual Report which among others states that the description of Governance Issuers or Public Companies in the Annual Report include statements that the Board of Commissioners has guidelines or charter of the Board of Commissioners. The Company has a Charter of the Board of Commissioners which was approved by the Board of Commissioners on 18 April 2018 to be a reference / guideline for members of the Board of Commissioners of the Company in carrying out their duties effectively and efficiently as well as for other parties related to the implementation of the Board of Commissioners’ duties.
To ensure the Charter of the Board of Commissioners remains relevant for each member of the Board of Commissioners of the Company, the Board of Commissioners Charter is updated from time to time following the development of laws and best practices.
The Board of Commissioners’ charter can be seen on the Company’s website www.wom.co.id.
Dewan KomisarisBoard of Commissioners
Horizon of GrowtH 239PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tugas dan Tanggung Jawab Dewan KomisarisDewan Komisaris Perseroan memiliki tugas dan tanggung jawab antara lain:1. Bertanggung jawab melakukan pengawasan atas
kebijakan Direksi dalam menjalankan Perseroan, jalannya pengurusan pada umumnya, baik mengenai Perseroan maupun usaha Perseroan, dan memberikan nasihat kepada Direksi guna kepentingan Perseroan dan sesuai dengan maksud dan tujuan Perseroan.
2. Mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan strategis Perseroan.
3. Melakukan pengawasan atas pelaksanaan tanggung jawab Direksi terhadap penerapan program anti pencucian uang dan pencegahan pendanaan terorisme.
4. Memastikan adanya pembahasan terkait anti pencucian uang dan pencegahan pendanaan terorisme dalam rapat Direksi dan rapat Dewan Komisaris.
5. Melakukan pengawasan terhadap terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha di semua tingkatan organisasi.
6. Memastikan Direksi telah menindaklanjuti temuan audit dan rekomendasi dari Internal Audit Perseroan, auditor eksternal, hasil pengawasan OJK dan/atau hasil pengawasan otoritas lainnya.
7. Dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawabnya, Dewan Komisaris wajib membentuk Komite-Komite. Setiap Komite akan dipandu oleh Pedoman dan Tata Tertib Kerja yang ditetapkan dan/atau disetujui oleh Dewan Komisaris. Komite-Komite tersebut adalah:i. Komite Audit;ii. Komite Nominasi dan Remunerasi;iii. Komite Pemantau Risiko.
8. Mengevaluasi kinerja komite terkait pelaksanaan tugas dan tanggungjawabnya sebagaimana dimaksud angka (7) diatas.
9. Memberikan persetujuan dalam hal Dewan Pengawas Syariah Perseroan memerlukan bantuan anggota komite yang struktur organisasinya berada di bawah Dewan Komisaris.
10. Mengkaji visi dan misi Perseroan.11. Mereview dan menyetujui laporan tahunan Perseroan.12. Menyusun/memiliki Piagam Dewan Komisaris untuk
digunakan sebagai pedoman bagi Dewan Komisaris dalam menjalankan fungsi, tugas dan tanggung jawabnya dalam mengawasi jalannya Perseroan.
Board of Commissioners Duties & ResponsibilitiesThe Board of Commissioners duties and responsibilities among others are:1. Responsibility in oversight on the Board of Directors’
policy in the management of the Company, general management, both on the Company and its businesses, and provide advisory to the Board of Directors for the interest of the Company and in accordance with the Company’s purpose and objectives.
2. To direct, monitor and evaluate the implementation of the Company’s strategic policy.
3. Oversight on the Board of Directors’ responsibility implementation toward the anti money laundering and terrorism financing prevention implementation.
4. To ensure discussion on anti money laundering and terrorism financing prevention in the meetings of the Board of Directors and Board of Commissioners.
5. Oversight on GCG implementation in every business activity in all levels of organization.
6. To ensure that the Board of Directors has followed up the audit findings and recommendations from the Company’s Internal Audit, external auditors, supervisory results of OJK and/or other regulators.
7. To enhance the effectiveness of its duties implementation and responsibilities, the Board of Commissioners shall establish the Committees. The Committee shall be guided by the Charter stipulated and/or approved by the Board of Commissioners.The Committees are:i. Audit Committee;ii. Nomination and Remuneration Committee;iii. Risk Oversight Committee.
8. To evaluate the committees’ performance related to the duties implementation and responsibilities as stated in the above point 7.
9. Provide approval in the event that the Company’s Sharia Supervisory Board requires the assistance of committees’ members which organization structure is under the Board of Commissioners.
10. To review the Company’s vision and mission.11. To review and approve the Company’s annual reports.12. To develop/to establish the BOC Charter as the
guidance for the Board of Commissioners in implementing its function, duties and responsibilities for the oversight of the Company’s management.
Dewan KomisarisBoard of Commissioners
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH240
13. Menyelenggarakan rapat Dewan Komisaris yang paling sedikit mencakup frekuensi, kehadiran dan tata cara pengambilan keputusan sebagaimana diatur dalam Piagam Dewan Komisaris yang berlaku di Perseroan.
14. Menerima pengaduan/pelaporan secara tertulis dari karyawan Perseroan, pemegang saham atau pihak ketiga terkait temuan dugaan pelanggaran sehubungan dengan pelaporan keuangan Perseroan.
15. Melakukan tindak lanjut penyelesaian pengaduan/pelaporan dugaan pelanggaran terkait laporan keuangan Perseroan dengan mempertimbangkan hasil telahannya yang telah dilakukan Komite Audit Perseroan terkait pengaduan/pelaporan tersebut.
16. Khusus Komisaris Independen, Komisaris Independen wajib melaporkan kepada Otoritas Jasa Keuangan paling lambat 10 (sepuluh) hari kalender sejak ditemukan:i. Pelanggaran peraturan perundang-undangan di
bidang pembiayaan; dan/atauii. Keadaan atau perkiraan keadaan yang dapat
membahayakan kelangsungan usaha Perseroan.17. Melakukan tugas dan tanggung jawab Dewan
Komisaris lainnya yang ditetapkan oleh Anggaran Dasar, peraturan internal Perseroan dan ketentuan peraturan perundang-undangan yang berlaku bagi Dewan Komisaris.
Kewenangan Dewan KomisarisDewan Komisaris Perseroan memiliki wewenang antara lain:
1. Anggota Dewan Komisaris baik bersama-sama maupun sendiri-sendiri setiap waktu dalam jam kerja kantor Perseroan berhak memasuki bangunan dan halaman atau tempat lain yang dipergunakan atau yang dikuasai oleh Perseroan.
2. Anggota Dewan Komisaris baik bersama-sama maupun sendiri-sendiri berhak memeriksa dan mencocokkan pembukuan Perseroan dan lain-lain serta berhak untuk mengetahui segala tindakan yang telah dijalankan oleh Direksi.
3. Direksi dan setiap anggota Direksi wajib memberikan penjelasan tentang segala hal yang ditanyakan oleh Anggota Dewan Komisaris.
4. Dewan Komisaris berwenang untuk memberikan persetujuan kepada Direksi dalam melakukan perbuatan hukum tertentu sebagaimana ditentukan dalam Anggaran Dasar.
13. To held the Board of Commissioners’ meeting that at least covering the frequencies, attendance, and decision making procedures as stated in the BOC Charter applicable in the Company.
14. To accept written reporting/complaint from the Company’s employees, shareholders or third parties related to the finding of violations allegation in relations with the Company’s financial reporting.
15. To follow up the settlement for the reporting/complaint of violations allegation related to the Company’s financial report by considering the analysis results carried out by the Company’s Audit Committee on such reporting/complaint.
16. Specifically for the Independent Commissioner, the Independent Commissioner shall report to OJK at the latest 10 (ten) calendar days since the findings of:
i. Violation of regulatories in financing; and/or
ii. Situation or reckoning of situation that can be detrimental to the Company’s business continuity.
17. To conduct duties and responsibilities of other Board of Commissioners that stipulated in the Articles of Association, the Company internal rules, and prevailing regulatories for the Board of Commissioners.
Authority of the Board of CommissionersThe Company’s Board of Commissioners has the authority to:
1. Board of Commissioners’ members both collectively and individually at any time during office hours the Company has the right to enter buildings and yards and other places that are used or controlled by the Company.
2. Board of Commissioners’ members both collectively and individually have the right to examine and match the books of the Company and others and have the right to know all actions taken by the Board of Directors.
3. The Board of Directors and each member of the Board of Directors must provide an explanation of everything asked by the Board of Commissioners’ members.
4. The Board of Commissioners is authorized to give approval to the Directors in carrying out certain legal actions as determined in the Articles of Association.
Dewan KomisarisBoard of Commissioners
Horizon of GrowtH 241PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
5. Dewan Komisaris dengan keputusan rapat Dewan Komisaris dengan suara terbanyak setiap waktu berhak memberhentikan untuk sementara seorang atau lebih anggota Direksi dari jabatannya, apabila anggota Direksi tersebut bertindak bertentangan dengan Anggaran Dasar dan/atau peraturan perundang-undangan yang berlaku atau merugikan maksud dan tujuan Perseroan atau ia melalaikan kewajibannya.
6. Apabila seluruh anggota Direksi diberhentikan untuk sementara dan Perseroan tidak mempunyai seorangpun anggota Direksi, maka para anggota Dewan Komisaris diwajibkan untuk mengurus Perseroan untuk sementara waktu dan harus memanggil RUPS dalam waktu 90 (sembilan puluh) hari setelah terjadinya keadaan tersebut untuk mengangkat para anggota Direksi yang baru. Dalam keadaan tersebut, Dewan Komisaris berhak untuk memberi kuasa kepada seorang atau lebih anggota Dewan Komisaris atas tanggungan mereka bersama untuk melakukan pengurusan Perseroan sampai para anggota Direksi yang baru terpilih.
7. Jika dianggap perlu, Dewan Komisaris berhak meminta bantuan tenaga ahli dalam melaksanakan tugasnya untuk jangka waktu terbatas atas beban Perseroan.
Independensi Dewan Komisaris
Dewan Komisaris dalam melaksanakan tugas dan tanggung jawabnya bertindak independen antara lain dengan cara:1. Memiliki komitmen untuk mengawasi
tindakan Perseroan dengan mengedepankan profesionalismenya.
2. Pengambilan keputusan dalam Rapat Dewan Komisaris harus obyektif dan bebas dari tekanan pihak manapun juga, khususnya dari pemegang saham pengendali.
3. Menghindari terjadinya campur tangan/dominasi yang tidak wajar dari pihak manapun juga serta tidak terpengaruh oleh kepentingan sepihak dan bebas dari benturan kepentingan.
4. Tidak melakukan hal-hal lain yang dapat mempengaruhi kemampuan untuk bertindak independen sebagaimana diatur dalam peraturan yang berlaku.
5. The Board of Commissioners with the decision of the Board of Commissioners meeting with the most votes at any time has the right to temporarily dismiss one or more members of the Board of Directors from his position, if the member of the Board of Directors acts contrary to the Articles of Association and / or legislation in force or detrimental to the purposes and objectives of the Company or he neglects his obligations.
6. If all members of the Board of Directors are temporarily dismissed and the Company does not have a single member of the Board of Directors, then the members of the Board of Commissioners are required to take care of the Company for a while and must call a GMS within 90 (ninety) days after the occurrence of such conditions to appoint the new one members of the Board of Directors. In such circumstances, the Board of Commissioners has the right to authorize one or more members of the Board of Commissioners on their joint responsibility to take care of the Company until the new members of the Board of Directors are elected.
7. If deemed necessary, the Board of Commissioners has the right to ask for assistance from experts in carrying out their duties for a limited period at the Company’s expense.
Independence of the Board of Commissioners
In carrying out its duties and responsibilities, the Board of Commissioners acts independently among others by:1. Having a commitment to oversee the Company’s
actions by prioritizing its professionalism.
2. Decision making in the Board of Commissioners Meeting must be objective and free from pressure from any party, especially from the controlling shareholder.
3. Avoiding interference/domination that is not fair from any party and is not influenced by unilateral interests and free from conflicts of interest.
4. Not doing other things that can affect the ability to act independently as regulated in applicable regulations.
Dewan KomisarisBoard of Commissioners
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH242
5. Tidak pernah memanfaatkan Perseroan untuk kepentingan pribadi, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Perseroan.
6. Tidak pernah mengambil dan/atau menerima keuntungan pribadi dari Perseroan selain remunerasi dan fasilitas lainnya yang ditetapkan berdasarkan RUPS.
Keberagaman Anggota Dewan Komisaris
Penentuan komposisi anggota Dewan Komisaris dilakukan dengan memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan untuk mendukung pelaksanaan tugasnya selaku anggota Dewan Komisaris.
Komposisi Dewan Komisaris Perseroan telah mencerminkan keberagaman anggotanya, baik dalam hal pendidikan (bidang studi), pengalaman kerja, usia yang dapat dilihat dari profil masing-masing anggota Dewan Komisaris Perseroan.
Kriteria anggota Dewan KomisarisYang dapat diangkat sebagai anggota Dewan Komisaris adalah orang perseorangan yang memenuhi kriteria dan persyaratan sesuai dengan:
1. POJK No. 33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten Atau Perusahaan Publik, Anggota Dewan Komisaris merupakan orang perseorangan yang memenuhi persyaratan pada saat diangkat dan selama menjabat:a. Mempunyai akhlak, moral dan integritas yang
baik.b. Cakap melakukan perbuatan hukum.c. Dalam 5 (lima) tahun sebelum pengangkatan dan
selama menjabat:i. Tidak pernah dinyatakan pailit;ii. Tidak pernah menjadi anggota Direksi
dan/atau anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit;
iii. Tidak pernah dihukum karena melakukan tindak pidana yang merugikan keuangan negara dan/atau yang berkaitan dengan sektor keuangan; dan
5. Never use the Company for personal, family and/or other parties’ interests that can harm or reduce the Company’s profits.
6. Never take and/or receive personal benefits from the Company other than remuneration and other facilities determined based on the GMS.
Diversity of Members of the Board of CommissionersDetermination of the Board of Commissioners member composition is done by taking into account the diversity of expertise, knowledge, and experience needed to support the implementation of its duties as a member of the Board of Commissioners.
The composition of the Company’s Board of Commissioners reflects the diversity of its members, both in terms of education (field of study), work experience, and age, which can be seen from the profile of each member of the Company’s Board of Commissioners.
Criteria for the Board of Commissioners’ memberWhich can be appointed as a member of the Board of Commissioners are individuals who meet the criteria and requirements in accordance with:
1. POJK No. 33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies, Members of the Board of Commissioners are individuals who meet the requirements when appointed and during their tenure:a. Having good character, morals and integrity.
b. Competent in legal actions.c. In the 5 (five) years prior to appointment and
during his tenure:i. Never declared bankrupt;ii. Have never been a member of a Board of
Directors and/or a Board of Commissioners found guilty of causing a company to go bankrupt;
iii. Have never been convicted of a criminal offense that is detrimental to the country’s finances and/or related to the financial
Dewan KomisarisBoard of Commissioners
Horizon of GrowtH 243PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
iv. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang selama menjabat:• Pernah tidak menyelenggarakan RUPS
Tahunan;• Pertanggungjawaban sebagai anggota
Direksi dan/atau anggota Dewan Komisaris pernah tidak diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada RUPS; dan
• Pernah menyebabkan perusahaan yang memperoleh izin, persetujuan, atau pendaftaran dari OJK tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan keuangan kepada OJK.
d. Memiliki komitmen untuk mematuhi peraturan perundang-undangan.
e. Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perseroan.
2. POJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan, yang antara lain menyebutkan:a. Persyaratan integritas meliputi:
I. Cakap melakukan perbuatan hukum.II. Memiliki akhlak dan moral yang baik, paling
sedikit ditunjukkan dengan sikap mematuhi ketentuan yang berlaku, termasuk tidak pernah dihukum karena terbukti melakukan tindak pidana dalam jangka waktu tertentu sebelum dicalonkan.
III. Memiliki komitmen untuk mematuhi peraturan perundang-undangan dan mendukung kebijakan Otoritas Jasa Keuangan.
IV. Memiliki komitmen terhadap pengembangan Lembaga Jasa Keuangan yang sehat.
V. Tidak termasuk sebagai pihak yang dilarang untuk menjadi Pihak Utama.
b. Persyaratan reputasi keuangan, paling sedikit dibuktikan dengan:I. Tidak memiliki kredit dan/atau pembiayaan
macet.
sector; andiv. Never been a member of the Board of
Directors and/or member of the Board of Commissioners who during his tenure:• Never held an Annual GMS;
• Accountability as a member of the Board of Directors and/or member of the Board of Commissioners has never been accepted by the GMS or has never provided accountability as a member of the Board of Directors and/or member of the Board of Commissioners to the GMS; and
• Has caused companies that obtained permits, approvals, or registrations from OJK to not fulfill the obligation to submit annual reports and/or financial reports to OJK.
d. Have a commitment to obey the laws and regulations.
e. Having knowledge and/or expertise in the fields required by the Company.
2. POJK No. 27/POJK.03/2016 concerning the Fit and Proper Test for Main Parties of the Financial Services Institutions, which include:
a. Integrity requirements include:I. Competent in carrying out legal actions.II. Having good character and morals, at least
shown by the attitude of complying with applicable regulations, including never having been convicted of a crime in a certain period before being nominated.
III. Have a commitment to comply with laws and regulations and support the Financial Services Authority policy.
IV. Have a commitment to the development of health Financial Services Institutions.
V. Not included as a party that is prohibited from being a Main Party.
b. Financial reputation requirements, at least evidenced by:
Dewan KomisarisBoard of Commissioners
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH244
II. Tidak pernah dinyatakan pailit dan/atau tidak pernah menjadi pemegang saham, Pengendali Perusahaan Perasuransian yang bukan merupakan pemegang saham, anggota Direksi, atau anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perseroan dinyatakan pailit dalam waktu 5 (lima) tahun terakhir sebelum dicalonkan.
c. Persyaratan kelayakan keuangan, paling sedikit dibuktikan dengan:I. Memiliki reputasi keuangan sebagaimana
telah dijabarkan pada persyaratan reputasi keuangan di atas.
II. Memiliki kemampuan keuangan untuk melakukan upaya-upaya yang diperlukan apabila Lembaga Jasa Keuangan menghadapi kesulitan keuangan.
d. Persyaratan kompetensi, meliputi pengetahuan dan/atau pengalaman yang mendukung pengelolaan Lembaga Jasa Keuangan dimana dicalonkan.
3. Memenuhi persyaratan sebagai anggota Dewan Komisaris berdasarkan Anggaran Dasar Perseroan.
Penilaian Kinerja Komite di Bawah Dewan Komisaris
Prosedur dan Kriteria Penilaian Kinerja Komite di Bawah Dewan KomisarisPenilaian kinerja komite di bawah Dewan Komisaris dilakukan setiap tahun minimum 1 (satu) kali dalam setahun yang dilakukan dengan metode penilaian kinerja secara self assessment.
Kriteria yang digunakan dalam penilaian kinerja komite di bawah Dewan Komisaris adalah sebagai berikut:
1. Penilaian kinerja Komite oleh seluruh anggota Dewan Komisaris.Kriteria penilaian kinerja oleh seluruh anggota Dewan Komisaris meliputi:a. Kejelasan tugas dan tanggung jawab Komite.
b. Efektivitas dari Komite untuk menjalankan tugas dan tanggung jawabnya dalam membantu Dewan Komisaris.
I. Does not have bad credit and/or financing.II. Have never been declared bankrupt and /
or never been a shareholder, Controlling Insurance Company that is not a shareholder, member of the Board of Directors, or a member of the Board of Commissioners who was found guilty of causing a company to be declared bankrupt within the last 5 (five) years before being nominated.
c. Financial eligibility requirements, at least evidenced by:I. Having a financial reputation as described in
the above financial reputation requirements.
II. Having the financial capacity to make the necessary efforts if the Financial Services Institution faces financial difficulties.
d. Competency requirements, including knowledge and/or experience that support the management of the Financial Services Institution where it is nominated.
3. Meet the requirements as a member of the Board of Commissioners based on the Company’s Articles of Association.
Committee Performance Evaluation Under the Board of Commissioners
Procedures and Criteria for Evaluating Committee Performance Under the Board of CommissionersThe performance evaluation of committees under the Board of Commissioners is done every year a minimum of 1 (one) time a year which is carried out using the performance assessment method by self assessment.
The criteria used in evaluating the performance of committees under the Board of Commissioners are as follows:1. Evaluation of the Committee’s performance by all
members of the Board of Commissioners.The criteria for performance evaluation by all members of the Board of Commissioners include:a. Clarity of duties and responsibilities of the
Committee.b. The effectiveness of the Committee to carry out
its duties and responsibilities in assisting the Board of Commissioners.
Dewan KomisarisBoard of Commissioners
Horizon of GrowtH 245PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
2. Penilaian kinerja Komite oleh anggota Dewan Komisaris yang menjadi anggota Komite.
Kriteria penilaian kinerja oleh anggota Dewan Komisaris yang menjadi anggota Komite meliputi:
a. Kejelasan key objectives dan peran Komite dan setiap anggota Komite.
b. Wewenang, sumber daya, dan akses atas informasi.c. Keproaktifan Komite dalam penyelesaian isu-isu.d. Kompetensi teknis (termasuk pengetahuan tentang
hukum dan peraturan terkait).e. Frekuensi pertemuan Komite untuk membahas isu-isu.f. Dukungan dari Dewan Komisaris terkait pelaksanaan
tugas Komite.g. Efektivitas pelaksanaan tanggung jawab Komite
berdasarkan Pedoman atau Piagam Komite.
h. Efektivitas komposisi Komite dalam menjalankan tugasnya.
i. Efektivitas kepemimpinan ketua Komite.
Pihak yang Melakukan Penilaian Kinerja Komite di Bawah Dewan KomisarisPihak yang melakukan penilaian kinerja Komite di Bawah Dewan Komisaris adalah sebagai berikut:1. Penilaian kinerja Komite oleh seluruh anggota Dewan
Komisaris.Penilaian kinerja dilakukan oleh seluruh anggota Dewan Komisaris.
2. Penilaian kinerja Komite oleh anggota Dewan Komisaris yang menjadi anggota Komite.Penilaian kinerja dilakukan oleh anggota Dewan Komisaris yang menjadi anggota Komite.
2. Assessment of the performance of the Committee by members of the Board of Commissioners who are members of the Committee.
Criteria for performance evaluation by members of the Board of Commissioners who are members of the Committee include:a. Clarity of key objectives and the role of the Committee
and each Committee member.b. Authority, resources and access to information.c. Proactivitiveness of the Committee in resolving issues.d. Technical competence (including knowledge of
relevant laws and regulations).e. Frequency of Committee meetings to discuss issues.f. Support from the Board of Commissioners regarding
the implementation of the Committee’s duties.g. The effectiveness of the implementation of Committee
responsibilities based on the Committee Charter or Guidelines.
h. Effectiveness of the composition of the Committee in carrying out its duties.
i. The effectiveness of the leadership of the Committee Chair.
The Assessors
The parties evaluating the performance of the Committees under the Board of Commissioners are as follows:1. Evaluation of the Committee’s performance by all
members of the Board of Commissioners.Performance evaluation is carried out by all members of the Board of Commissioners.
2. Assessment of the performance of the Committee by members of the Board of Commissioners who are members of the Committee.Performance appraisals are carried out by members of the Board of Commissioners who are members of the Committee.
Dewan KomisarisBoard of Commissioners
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH246
Jumlah Komisaris Independen Pada tahun 2019, Perseroan memiliki 2 (dua) orang anggota Komisaris Independen dari total 5 (lima) orang anggota Dewan Komisaris Perseroan. Dengan demikian, jumlah anggota Komisaris Independen Perseroan adalah 40% (empat puluh) persen dari jumlah anggota Dewan Komisaris Perseroan dan telah sesuai dengan peraturan perundang-undangan yang berlaku.
Kriteria Komisaris IndependenYang dapat diangkat menjadi Komisaris Independen yang memenuhi kriteria dan persyaratan sesuai dengan:
1. POJK No.33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten Atau Perusahaan Publik, Komisaris Independen harus memenuhi persyaratan:
a. Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk merencanakan, memimpin, mengendalikan atau mengawasi kegiatan Perseroan dalam waktu 6 (enam) bulan terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris Independen Perseroan pada periode berikutnya dengan tetap memperhatikan bahwa pengangkatan kembali Komisaris Independen yang telah menjabat selama 2 (dua) periode wajib menyatakan kepada RUPS bahwa dirinya tetap independen dan pernyataan independensinya tersebut wajib diungkapkan dalam laporan tahunan.
b. Tidak mempunyai saham baik langsung maupun tidak langsung pada Perseroan tersebut.
c. Tidak mempunyai hubungan Afiliasi dengan Perseroan, anggota Dewan Komisaris, anggota Direksi, atau pemegang saham utama Perseroan.
d. Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha Perseroan tersebut.
e. Memenuhi persyaratan bagi calon anggota Dewan Komisaris dan anggota Dewan Komisaris sebagaimana dimaksud pada POJK No. 33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten atau Perusahaan Publik.
Komisaris IndependenIndependent Commissioner
Number of Independent CommissionersIn 2019, the Company has 2 (two) Independent Commissioners from a total of 5 (five) members of the Company's Board of Commissioners. Therefore, the number of members of the Company's Independent Commissioners is 40% (forty) percent of the total members of the Company's Board of Commissioners and is in accordance with the applicable laws and regulations.
Criteria for Independent Commissioners Those who can be appointed as Independent Commissioners must meet the followoing criteria and requirements:1. POJK No. 33/POJK.04/2014 concerning the Board of
Directors and Board of Commissioners of Issuers or Public Companies, the Independent Commissioner shall meet the following criteria:a. Not the person who work or have authority and
responsibility to plan, lead, control, or supervise over the activities of the Company within the last 6 (six) months, unless for reappointment as an Independent Commissioner of the Company for the next period, by taking into account that the reappointment as an Independent Commissioner that has been served during 2 (two) periods shall provide the statement to the GMS that he/she remain independent and the statement shall be disclosed in the annual report.
b. Do not have direct or indirect shares of the Company.
c. Do not have any affiliation with the Company, members of the Board of Directors, members of the Board of Commissioners, or majoring shareholders of the Company; and
d. Do not have any direct or indirect business relationship with the Company’s activities.
e. Fulfill the requirements for candidate member of the Board of Commissioners and members of the Board of Commissioners as stated in the POJK No.33/POJK.04/2014 concerning the Board of Directors and Board of Commissioners of Issuers or Public Companies.
Horizon of GrowtH 247PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
2. POJK No.30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan, Komisaris Independen Perseroan harus memenuhi persyaratan:a. Tidak mempunyai hubungan Afiliasi dengan
anggota Direksi, anggota Dewan Komisaris, anggota Dewan Pengawas Syariah, atau pemegang saham Perseroan.
b. Tidak pernah menjadi anggota Direksi, anggota Dewan Komisaris, anggota Dewan Pengawas Syariah atau menduduki jabatan 1 (satu) tingkat dibawah Direksi pada Perseroan atau perusahaan lain yang memiliki hubungan afiliasi dengan Perseroan tersebut dalam kurun waktu 2 (dua) tahun terakhir.
c. Memahami peraturan perundang-undangan di bidang pembiayaan dan peraturan perundang-undangan lain yang relevan.
d. Memiliki pengetahuan yang baik mengenai kondisi keuangan Perseroan.
e. Memiliki kewarganegaraan Indonesia.f. Berdomisili di Indonesia.
3. Komisaris Independen yang telah menjabat selama 2 (dua) periode masa jabatan berturut-turut dapat diangkat pada periode selanjutnya sebagai Komisaris Independen dalam hal menyatakan dalam RUPS mengenai independensi yang bersangkutan.
Pernyataan Independensi Komisaris IndependenSesuai POJK No. 33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten Atau Perusahaan Publik, Bapak I Nyoman Tjager dan Ibu Myrnie Zachraini Tamin telah menyatakan Pernyataan Independensi beliau pada Rapat Umum Pemegang Saham Tahunan tanggal 31 Mei 2017 dan masing-masing Bapak I Nyoman Tjager dan Ibu Myrnie Zachraini Tamin telah membuat Surat Pernyataan Independen yang di dalamnya menyatakan sebagai berikut:
Komisaris IndependenIndependent Commissioner
2. POJK 30/POJK.05/2014 oncerning the Good Corporate Governance for Financing Companies, the Company’s Independent Commissioner shall meet the following criteria:a. Do not have any affiliation with members of the
Board of Directors, members of the Board of Commissioners, members of Sharia Supervisory Board or shareholders of the Company.
b. Never served as members of the Board of Directors, members of the Board of Commissioners, members of Sharia Supervisory Board, or served 1 (one) level under the Company’s Board of Directors or other companies affiliated with the Company within the last 2 (two) years.
c. Understanding on the financing regulatories and other relevant regulations.
d. Having good knowledge on the Company’s financial conditions.
e. Holding Indonesian citizenship.f. Domiciled in Indonesia.
3. An Independent Commissioner who has served for 2 (two) consecutive terms of office may be appointed in the subsequent period as an Independent Commissioner in terms of stating at the GMS regarding the independence concerned.
Statement of Independence of Independent CommissionersIn accordance POJK No. 33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies, Mr. I Nyoman Tjager and Ms. Myrnie Zachraini Tamin have stated their Independence Statement at the Annual General Meeting of Shareholders on 31 May 2017 and respectively Mr. I Nyoman Tjager and Ms. Myrnie Zachraini Tamin has made an Independent Declaration Letter which states as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH248
Komisaris IndependenIndependent Commissioner
No. Pernyataan | Statement
1. Tidak memiliki hubungan keuangan, hubungan kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan Komisaris Perseroan lainnya, Direksi Perseroan, anggota Dewan Pengawas Syariah Perseroan dan/atau Pemegang Saham Pengendali Perseroan atau hubungan dengan Perseroan, yang dapat mempengaruhi kemampuan untuk bertindak independen sebagaimana diatur dalam ketentuan pelaksanaan Good Corporate Governance bagi Perusahaan Pembiayaan dan dalam ketentuan pelaksanaan Good Corporate Governance bagi Emiten atau Perusahaan Publik.
Does not have a financial relationship, management relationship, share ownership and/or family relationship with other members of the Company's Board of Commissioners, the Company's Directors, members of the Company's Sharia Supervisory Board and/or the Company's Controlling Shareholders or relationships with the Company, which can affect its ability to act independently as regulated in provisions for implementing Good Corporate Governance for Financing Companies and in provisions for implementing Good Corporate Governance for Issuers or Public Companies.
2. Tidak mempunyai saham baik langsung maupun tidak langsung pada Perseroan.Does not have shares either directly or indirectly in the Company.
3. Tidak mempunyai hubungan afiliasi dengan Perseroan, anggota Dewan Komisaris Perseroan, anggota Direksi Perseroan, anggota Dewan Pengawas Syariah Perseroan, atau pemegang saham utama Perseroan.
Has no affiliation with the Company, members of the Company's Board of Commissioners, members of the Company's Board of Directors, members of the Company's Sharia Supervisory Board , or majoring shareholders of the Company.
4. Tidak mempunyai usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha Perseroan.Do not have a business either directly or indirectly related to the Company's business activities.
Apabila dikemudian hari, ditemukan memiliki hubungan sebagaimana dimaksud pada butir 1-4 di atas, maka Komisaris Independen yang bersangkutan bersedia melepaskan jabatan sebagai Komisaris Independen dan bersedia untuk diganti.
If in the future, is found to have a relationship as referred to in points 1-4 above, the Independent Commissioner concerned is willing to relinquish his/her position as Independent Commissioner and is willing to be replaced.
Horizon of GrowtH 249PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
DireksiBoard Of Directors
Salah satu organ tata kelola perusahaan di Perseroan yaitu Direksi yang sesuai dengan Undang-Undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas, Direksi merupakan organ Perseroan yang memiliki tugas dan tanggung jawab menjalankan pengurusan Perseroan untuk kepentingan Perseroan dan sesuai dengan maksud dan tujuan Perseroan. Masing-masing anggota Direksi melaksanakan tugas sesuai dengan pembagian tugas dan wewenangnya dengan tujuan mencapai efektivitas pelaksanaan pekerjaannya.
Dasar HukumDasar hukum yang menjadi referensi hukum pembentukan dan penunjukan Direksi Perseroan mengacu pada beberapa ketentuan antara lain:1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan
Terbatas.2. Anggaran Dasar Perseroan.3. POJK No. 30/POJK.05/2014 tentang Tata Kelola
Perusahaan Yang Baik Bagi Perusahaan Pembiayaan, POJK No.33/POJK.04/2014 tentang Direksi dan Dewan Komsaris Emiten atau Perusahaan Publik, dan POJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan.
4. Akta Pernyataan Keputusan Rapat Tahunan Perseroan No. 30 tanggal 31 Mei 2017 yang dibuat di hadapan Rini Yulianti, S.H., Notaris di Kota Jakarta Timur.
5. Akta Pernyataan Keputusan Rapat Tahunan Perseroan No. 50 tanggal 10 Oktober 2019 yang dibuat di hadapan Leolin Jayayanti, S.H., M.Kn., Notaris di Kota Jakarta Selatan.
Susunan dan Komposisi DireksiSusunan dan komposisi anggota Direksi Perseroan telah memenuhi ketentuan yang berlaku sebagai berikut:
No. Ketentuan di POJK No. 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan
Provisions in POJK No. 30/POJK.05/2014 concerning Good Corporate Governance for Financing Companies
Implementasi di PerseroanImplementation in the Company
1. Perusahaan yang memiliki aset lebih dari Rp200.000.000.000 (dua ratus miliar rupiah) wajib memiliki paling sedikit 3 (tiga) orang anggota Direksi.Companies that have more than Rp200,000,000,000 (two hundred billion rupiah) of assets must have at least 3 (three) Board of Directors members.
Perseroan memiliki 5 (lima) anggota Direksi.The Company has 5 (five) Board of Director’s members.
One of the corporate governance organs in the Company is the Board of Directors which is in accordance with Law Number 40 of 2007 concerning Limited Liability Companies, Directors are the Company's organs that have the duties and responsibilities of carrying out the management of the Company for the benefit of the Company and in accordance with the aims and objectives of the Company. Each member of the Board of Directors carries out his duties in accordance with the division of duties and authority with the aim of achieving the effectiveness of the performance of his work.
Legal BasisThe legal basis that becomes the legal reference for the formation and appointment of the Company's Directors refers to several provisions, including:1. Law No. 40 of 2007 concerning Limited Liability
Companies.2. The Company's Articles of Association.3. POJK No. 30/POJK.05/2014 concerning Good
Corporate Governance for Financing Companies, POJK No.33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies, and POJK No. 27/POJK.03/2016 concerning the Fit and Proper Test for Main Parties of the Financial Services Institutions.
4. Deed of Decree of the Annual Meeting of the Company No. 30 dated May 31, 2017 made before Rini Yulianti, S.H., Notary in the City of East Jakarta.
5. Deed of Decree of the Annual Meeting of the Company No. 50 dated October 10, 2019 made before Leolin Jayayanti, S.H., M.Kn., Notary in the City of South Jakarta.
Board of Directors CompositionThe Company’s Board of Directors member composition have complied with the applicable provisions, as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH250
No. Ketentuan di POJK No. 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan
Provisions in POJK No. 30/POJK.05/2014 concerning Good Corporate Governance for Financing Companies
Implementasi di PerseroanImplementation in the Company
2. Perusahaan yang di dalamnya terdapat kepemilikan asing baik secara langsung maupun tidak langsung wajib memiliki paling sedikit 50% (lima puluh persen) anggota Direksi yang merupakan warga negara Indonesia.
Companies that have foreign ownership, both directly and indirectly, must have at least 50% (fifty percent) members of the Board of Directors who are Indonesian citizens.
Kepemilikan saham Perseroan terdapat kepemilikan asing secara tidak langsung, sehingga Perseroan telah memenuhi ketentuan yaitu memiliki anggota Direksi yang merupakan warga negara Indonesia lebih dari 50%. In the share ownership of the Company, there is indirect ownership by foreigners, so the Company has fulfilled the provisions of having more than 50% members of the Directors who are Indonesian citizens.
3. Anggota Direksi wajib berdomisili di wilayah negara Republik Indonesia.Members of the Board of Directors must reside in the territory of the Republic of Indonesia.
Seluruh anggota Direksi berdomisili di wilayah negara Republik Indonesia.All members of the Board of Directors reside in the territory of the Republic of Indonesia.
4. Seluruh anggota Direksi Perusahaan harus memiliki pengetahuan yang relevan dengan jabatannya.All members of the Company's Board of Directors must have relevant knowledge to their positions.
Seluruh anggota Direksi Perseroan memiliki pengetahuan yang relevan dengan jabatannya, yang dapat dilihat pada profil masing-masing anggota Direksi.All members of the Company's Board of Directors have knowledge relevant to their positions, which can be seen in the profiles of each member of the Board of Directors.
No. Ketentuan di POJK No.33/POJK.04/2014 tentang Direksi dan Dewan Komsaris Emiten atau Perusahaan Publik
Provisions in POJK No.33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies
Implementasi di PerseroanImplementation in the Company
1. Direksi paling kurang terdiri dari 2 (dua) orang anggota Direksi.The Board of Directors consists of at least 2 (two) members of the Board of Directors.
Perseroan memiliki 5 (lima) orang anggota Direksi.The Company has 5 (five) members of the Board of Directors.
2. 1 (satu) di antara anggota Direksi diangkat menjadi direktur utama atau presiden direktur.1 (one) of the members of the Board of Directors is appointed as main Director or President Director.
Perseroan memiliki 1 (satu) Presiden Direktur.
The Company has 1 (one) President Director.
3. Usulan pengangkatan, pemberhentian dan/atau penggantian anggota Direksi kepada RUPS harus memperhatikan rekomendasi dari Dewan Komisaris atau komite yang menjalankan fungsi nominasi.Proposed appointments, terminations and/or replacements of members of the Board of Directors to the GMS must consider the recommendations of the Board of Commissioners or the committee that carries out the nomination function.
Pengangkatan anggota Direksi Perseroan telah memperhatikan rekomendasi Komite Nominasi dan Remunerasi Perseroan serta memperoleh persetujuan dari RUPS.The appointment of members of the Board of Directors of the Company has taken into account the recommendations of the Company’s Nomination and Remuneration Committee and has obtained approval from the GMS.
DireksiBoard Of Directors
Horizon of GrowtH 251PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
DireksiBoard Of Directors
Merujuk POJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan bahwa calon anggota Direksi wajib memperoleh persetujuan dari Otoritas Jasa Keuangan sebelum menjalankan tindakan, tugas, dan fungsinya. 4 (empat) orang anggota Direksi telah memperoleh persetujuan Otoritas Jasa Keuangan (lulus uji kemampuan dan kepatutan dari Otoritas Jasa Keuangan) dan terdapat 1 (satu) orang anggota Direksi yang diangkat pada Rapat Umum Pemegang Saham Luar Biasa tanggal 10 Oktober 2019 yang efektif pengangkatannya setelah diperolehnya persetujuan Otoritas Jasa Keuangan. Per posisi 31 Desember 2019, proses persetujuan Otoritas Jasa Keuangan atas 1 (satu) orang anggota Direksi tersebut masih dalam proses.
Pada tahun 2019, telah terjadi perubahan susunan Direksi. Susunan keanggotaan Direksi Perseroan tahun 2019 telah dimuat dalam Akta Pernyataan Keputusan Rapat Tahunan Perseroan No. 50 tanggal 10 Oktober 2019 yang dibuat di hadapan Leolin Jayayanti, S.H., M.Kn., Notaris di Kota Jakarta Selatan.
Susunan anggota Direksi per 31 Desember 2019:Composition of the Board of Directors as of December 31, 2019:
JabatanPosition
NamaName
Periode JabatanTerms of Ofice
Presiden DirekturPresident Director
Djaja Suryanto SutandarRUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
DirekturDirector
Zacharia SusantadiredjaRUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
DirekturDirector
Anthony Y PanggabeanRUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
DirekturDirector
Njauw Vido OnadiRUPS Tahunan 2017 – RUPS Tahunan 20202017 AGMS – 2020 AGMS
DirekturDirector
Wibowo*)RUPS Luar Biasa tanggal 10 Oktober 2019 – RUPS Tahunan 2020October 10, 2019 EGMS – 2020 AGMS
*) Pengangkatan Wibowo akan berlaku efektif setelah diperolehnya persetujuan dari Otoritas Jasa Keuangan. Per posisi 31 Desember 2019, persetujuan Otoritas Jasa Keuangan tersebut masih dalam proses dan beliau pada saat ini menjabat sebagai Chief Marketing Officer.*) Wibowo’s appointment will be effective after obtaining approval from the Financial Services Authority. As of December 31, 2019, the approval of the Financial Services Authority is still in process and he currently serves as Chief Marketing Officer.
Masa Jabatan DireksiMasa jabatan anggota Direksi adalah terhitung sejak tanggal RUPS yang mengangkatnya sampai ditutupnya RUPS Tahunan yang ke-3 (tiga) setelah tanggal pengangkatannya tersebut. Masa jabatan anggota Direksi saat ini akan berakhir pada saat ditutupnya RUPS Tahunan Perseroan tahun 2020 dengan tidak mengurangi kewenangan RUPS untuk memberhentikan anggota Direksi sewaktu-waktu sebelum masa jabatannya berakhir.
Referring to POJK No. 27 POJK.03/2016 concerning the Fit and Proper Test for Main Parties of the Financial Services Institutions that prospective member of the Board of Directors must obtain approval from the Financial Services Authority before carrying out their actions, duties and functions. 4 (four) members of the Board of Directors have obtained the approval of the Financial Services Authority (passed the fit and proper test of the Financial Services Authority) and 1 (one) member of the Board of Directors appointed at the Extraordinary General Meeting of Shareholders on October 10, 2019 which will effectively be appointed after obtaining approval of the Financial Services Authority. As of December 31, 2019, the Financial Services Authority approval for 1 (one) member of the Board of Directors is still in prosess.
In 2019, there has been a change in the composition of the Directors. The composition of the Company’s Board of Directors in 2019 has been stated in the Deed of Decree of the Annual Meeting of the Company No. 50 dated October 10, 2019 made before Leolin Jayayanti, S.H., M.Kn., Notary in the City of South Jakarta.
Board of Director’s Term of OfficeThe Board of Directors’ member’s term of office is from the date of the GMS that appoints him until the closing of the 3rd (3rd) Annual GMS after the date of his appointment. The current term of office for members of the Board of Directors will end at the close of the Company’s Annual GMS in 2020 without prejudice to the authority of the GMS to dismiss members of the Board of Directors at any time before their term ends.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH252
Pedoman dan Tata Tertib Kerja DireksiMengacu pada POJK No.33/POJK.04/2014 tentang Direksi dan Dewan Komsaris Emiten atau Perusahaan Publik, Direksi Perseroan telah memiliki Piagam Direksi. Piagam Direksi mengatur antara lain mengenai:
1. Landasan Hukum Piagam.2. Struktur dan Komposisi Direksi.3. Batasan Rangkap Jabatan Anggota Direksi.
4. Pengangkatan Anggota Direksi.5. Masa Jabatan Anggota Direksi.6. Pemberhentian Sementara Anggota Direksi.
7. Pengunduran Diri Anggota Direksi.8. Jabatan Anggota Direksi Berakhir.9. Deskripsi Tugas dan Tanggung Jawab Direksi.10. Kewenangan Direksi.11. Waktu Kerja.12. Keanggotaan dalam Komite Manajemen Risiko
Terintegrasi.13. Nilai-Nilai Dasar (CORE VALUES) dan Etika Kerja.14. Transparansi Kepemilikan Saham Dan Pengungkapan
Hubungan Keuangan dan Hubungan Keluarga.15. Rapat Direksi.16. Penilaian Kinerja Direksi.17. Remunerasi.18. Sertifikasi dan Pelatihan.19. Pelaporan Dan Pertanggungjawaban.
Pengungkapan pedoman atau piagam Direksi dalam Laporan Tahunan dilakukan berdasarkan SEOJK No.30/SEOJK.04/2016 tentang Bentuk dan lsi Laporan Tahunan Emiten atau Perusahaan Publik pada Bab III tentang isi Laporan Tahunan yang antara lain menyatakan bahwa uraian Tata Kelola Emiten atau Perusahaan Publik dalam Laporan Tahunan mencakup pernyataan bahwa Direksi memiliki pedoman atau piagam charter Direksi.
Perseroan telah memiliki Piagam Direksi yang ditetapkan oleh Direksi pada tanggal 4 September 2018 yang disusun sebagai rujukan/pedoman bagi Direksi Perseroan dalam menjalankan tugasnya secara efektif dan efisien maupun pihak-pihak lain yang terkait dengan pelaksanaan tugas Direksi.
Untuk memastikan Piagam Direksi tetap relevan bagi setiap anggota Direksi Perseroan, Piagam Direksi diperbaharui dari waktu ke waktu mengikuti perkembangan peraturan perundang-undangan dan praktik terbaik.
Piagam Direksi dapat dilihat pada website Perseroan www.wom.co.id.
Directors’ Guidelines and Rules of WorkReferring to POJK No.33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies, the Directors of the Company already have a Directors’ Charter. The Charter of the Board of Directors regulates among other things:1. Legal Charter.2. Structure and Composition of Directors.3. Dual Limitation on the Position of Members of the
Board of Directors.4. Appointment of Members of the Board of Directors.5. Term of Office of Directors.6. Temporary Dismissal of Members of the Board of
Directors.7. Resignation of Members of the Board of Directors.8. Position of Members of the Board of Directors Ends.9. Description of Duties and Responsibilities of Directors.10. Authority of the Board of Directors.11. Working Time.12. Membership in the Integrated Risk Management
Committee.13. Basic Values (CORE VALUES) and Work Ethics.14. Transparency in Share Ownership and Disclosure of
Financial Relations and Family Relations.15. Directors’ Meetings.16. Directors’ Performance Assessment.17. Remuneration.18. Certification and Training.19. Reporting and Accountability.
Disclosure of Board of Directors’ guidelines or charter in the Annual Report is based on the SEOJK No.30/SEOJK.04/2016 concerning the Form and Content of the Annual Report of the Issuer or Public Company in Chapter III concerning the contents of the Annual Report which among others states that the description of Governance Issuers or Public Companies in the Annual Report includes a statement that the Board of Directors has the Board of Directors guidelines or charter.
The Company has a Board of Directors Charter stipulated by the Board of Directors on 4 September 2018 which was prepared as a reference / guideline for the Company’s Directors in carrying out their duties effectively and efficiently as well as other parties related to the implementation of the Directors’ duties.
To ensure the Board of Directors’ Charter remains relevant for each member of the Company’s Directors, it is updated from time to time following the development of laws and best practices.
The Charter of the Directors can be seen on the Company’s website www.wom.co.id.
DireksiBoard Of Directors
Horizon of GrowtH 253PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Ruang Lingkup Pekerjaan dan Tanggung jawab Masing-Masing Anggota DireksiBerdasarkan Keputusan Direksi mengenai Penetapan Pembagian Tugas dan Wewenang Para Anggota Direksi untuk Tahun Buku 2019, Perseroan telah mengklasifikasikan tugas dan tanggung jawab masing-masing Direksi berdasarkan fungsi jabatannya. Adapun rincian pembagian tugas dan wewenang Direksi Perseroan adalah sebagai berikut:
Djaja Suryanto Sutandar Presiden Direktur | President Director
1. Memimpin dan mengelola Perseroan termasuk memberikan arahan strategis dalam hal kebijakan dan strategi di lingkup pengembangan bisnis, manajemen risiko, operasional, keuangan dan sumber daya manusia, agar sesuai dengan tujuan Perseroan.
2. Memantau dan memastikan seluruh kegiatan pengembangan bisnis Perseroan berjalan sesuai target yang ditetapkan secara volume dan market share sehingga menunjang keuntungan Perseroan.
3. Memantau dan memastikan seluruh kegiatan manajemen risiko Perseroan berjalan dengan baik sehingga tercapai kualitas portfolio yang sehat.
4. Memantau dan memastikan kegiatan operasional berjalan secara efektif, efisien dengan mengedepankan kualitas, service excellence serta berpedoman pada prinsip Good Corporate Governance.
5. Memantau dan memastikan seluruh kegiatan pengelolaan sumber daya manusia berjalan efektif dan efisien dan fokus pada pemberdayaan, kualitas, produktivitas, dan pengembangan karyawan yang dapat menunjang pencapaian tujuan Perseroan.
6. Memantau dan memastikan seluruh kegiatan pengelolaan fungsi bisnis di regional dan cabang sesuai dalam upaya menunjang pencapaian tujuan dan target perusahaan berupa ENR dan profit, pemantauan strategi perbaikan kinerja dari setiap kantor jaringan perusahaan dengan tetap berpedoman pada segala peraturan perundang-undangan, anggaran dasar perusahaan dan peraturan Perusahaan serta sesuai dengan prinsip Good Corporate Governance.
7. Menetapkan dan memantau penerapan pengendalian internal yang efektif dan efisien untuk memberikan keyakinan yang memadai bahwa kegiatan usaha dijalankan sesuai dengan sasaran dan strategi bisnis serta anggaran dasar dan aturan internal lain Perseroan, dan peraturan perundang-undangan.
8. Memantau dan memastikan kegiatan Quality Assurance & Litigation (fraud) untuk memastikan ketaatan terhadap aktivitas kritikal yang dijalankan oleh masing-masing unit kerja di dalam Perseroan sesuai peraturan perundang-undangan yang berlaku serta penyelesaian kasus litigasi yang dijalankan dengan mengedepankan prinsip kehati-hatian dan sesuai peraturan perundang-undangan yang berlaku dalam rangka meminimalisasi risiko kepatuhan, risiko reputasi maupun risiko hukum yang mungkin timbul.
1. To lead and manage the Company including providing strategic directives in terms of policies and strategies in business development, risk management, operations, finance and human resources, in order to be in line with the Company’s objectives.
2. To monitor and ensure all of the Company’s business development activities are performing as the set target in terms of volume and market share thereby supporting the Company’s profitability.
3. To monitor and ensure all of the Company’s risk management activities are performing well thereby accomplishing health portfolio quality.
4. To monitor and ensure effective and efficient operations activities, by emphasizing on quality, service excellence and guided by Good Corporate Governance principles.
5. To monitor and ensure effective and efficient performance of human resources management activities and focusing on employees’ empowerment, quality, productivity, and development that can support the achievement of the Company’s objectives.
6. To monitor and ensure all business function management activities in regional and branches are appropriate in an effort to support the achievement of company goals and targets in the form of ENR and profit, monitoring the performance improvement strategies of each company network office while still guided by all laws and regulations, the company's articles of association and regulations Company and in accordance with the principles of Good Corporate Governance.
7. To stipulate and monitor effective and efficient internal control application to provide adequate confidence that the business activities are performed in accordance with the Company’s targets and business strategies as well as the articles of association, and regulatories.
8. Monitor and ensure Quality Assurance & Litigation (fraud) activities to ensure compliance with critical activities carried out by each work unit within the Company were in accordance with applicable laws and regulations as well as settlement of litigation cases carried out by prioritizing the principle of prudence and in accordance with applicable laws and regulations in order to minimize compliance risk, reputation risk or legal risk that may arise.
Scope of Work and Responsibilities of Each Member of the Board of DirectorsBased on the Directors’ Decree regarding the Determination of the Division of Duties and Authorities of the Board of Directors Members for Fiscal Year 2019, the Company has classified the duties and responsibilities of each Directors based on the function of their position. The details of the distribution of duties and authorities of the Company’s Directors are as follows:
DireksiBoard Of Directors
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH254
Djaja Suryanto Sutandar Presiden Direktur | President Director
9. Memantau dan memastikan kegiatan fungsi Legal, Corporate Litigation dan Compliance yang dijalankan dengan mengedepankan prinsip kehati-hatian dan sesuai peraturan perundang-undangan yang berlaku dalam rangka meminimalisasi risiko kepatuhan, risiko reputasi maupun risiko hukum yang mungkin timbul.
10. Memantau dan memastikan kegiatan fungsi pengembangan digital initiative Perseroan.
11. Mengawasi secara aktif penerapan program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di Perseroan.
12. Mengevaluasi terhadap kinerja seluruh fungsi yang ada di Perseroan.
13. Mengawasi dan membawahi anggota Direksi Perseroan lainnya.
14. Mengawasi dan membawahi Non Directorate yang ada di Perseroan.
15. Melakukan tugas dan wewenang Direksi lainnya yang ditetapkan oleh Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi Direksi Perseroan.
9. Monitor and ensure that the activities of the Legal, Corporate Litigation and Compliance functions are carried out by prioritizing prudential principles and in accordance with applicable laws and regulations in order to minimize compliance risk, reputation risk or legal risk that may arise.
10. Monitor and ensure the activities of the Company’s digital initiative development functions.
11. Actively overseeing the implementation of the Anti-Money Laundering and Prevention of Terrorism Funding programs in the Company.
12. Evaluate the performance of all functions in the Company.
13. Oversee and supervise other members of the Company’s Directors.
14. Supervise and supervise the Non Directorate in the Company.
15. Performing other duties and authorities of the Directors determined by the Company’s Articles of Association and internal regulations that apply to the Directors of the Company.
Simon Tan Kian Bing *)Direktur Independen | Independent Director
1. Mengawasi dan membawahi Marketing Directorate yang ada di Perseroan.
2. Merencanakan dan menyusun Marketing Strategic Plan termasuk di dalamnya merencanakan budget operasional Directorate dibawahnya, serta mengkomunikasikannya kepada seluruh jajaran executive management.
3. Bertanggung jawab atas pencapaian target marketing secara nasional.
4. Memantau dan memastikan seluruh kegiatan pengembangan bisnis Perseroan dan implementasi kebijakan marketing yang diterapkan di Perseroan berjalan sesuai yang ditetapkan Perseroan.
5. Membuka dan menjalin relasi kerjasama dengan brand utama di bisnis sepeda motor dalam rangka memperoleh market share dan portofolio yang baik.
6. Mengembangkan strategi bisnis Non Dealer Sales dan memastikan implementasi strategi tersebut berjalan sesuai target yang ditetapkan Perseroan.
7. Mengevaluasi implementasi kebijakan, strategi marketing berikut kinerja seluruh fungsi yang berada di Marketing Directorate secara berkelanjutan dalam rangka meningkatkan target penjualan dan kualitas pembiayaan yang baik serta memperkuat image Perseroan di mata stakeholders, dealer dan konsumen Perseroan.
1. To supervise and in charge of the Company’s Marketing Directorate.
2. To plan and develop the Marketing Strategic Plan including its operations budget planning for the Directorates under its delegation, as well as communicating it to all executive managements.
3. To be responsible on the achievement of marketing target nationally.
4. To monitor and ensure that all of the Company’s business development activities and marketing policy implementation set out by the Company are performing according to the Company’s stipulations.
5. To open and maintain cooperation relationships with principal brands of 2-wheels business in order to obtain good market share and portfolio.
6. To develop Non Dealer Sales business strategy and ensure its implementation are according to the target set out by the Company.
7. To evaluate the sustainable implementation of policy, marketing strategy including the performance of all functions under the Marketing Directorate in an effort to improve sales target and good financing quality, as well as to strengthen the Company’s image to the stakeholders, dealers and consumers of the Company.
DireksiBoard Of Directors
Horizon of GrowtH 255PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Simon Tan Kian Bing *)Direktur Independen | Independent Director
8. Melakukan tugas dan wewenang Direksi lainnya yang ditetapkan oleh Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi Direksi Perseroan.
9. Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden Direktur Perseroan.
8. To perform other duties and authorities of the Board of Directors as set out in the Articles of Association and internal rules of the Company that is applicable for the Company’s Board of Directors.
9. Responsible to the Company’s President Director in implementing its duties.
*) Diberhentikan sejak ditutupnya Rapat Umum Pemegang Saham Luar Biasa Perseroan pada tanggal 10 Oktober 2019. Pelaksanaan tugas dan wewenang Bapak Simon Tan Kian Bing sejak ditutupnya Rapat Umum Pemegang Saham Luar Biasa Perseroan pada tanggal 10 Oktober 2019, dilaksanakan oleh Bapak Djaja Suryanto Sutandar sampai dengan pengangkatan Bapak Wibowo selaku Direktur Perseroan berlaku efektif setelah mendapat persetujuan dari OJK.
*) Dismissed since the closing of the Extraordinary General Meeting of Shareholders of the Company on October 10, 2019. The execution of the duties and authority of Mr. Simon Tan Kian Bing since the closing of the Extraordinary General Meeting of Shareholders of the Company on October 10, 2019, was held by Mr. Djaja Suryanto Sutandar until the appointment of Mr. Wibowo as Director of the Company is effective after obtaining approval from the OJK.
Zacharia SusantadiredjaDirektur | Director
1. Mengawasi dan membawahi Finance Directorate yang ada di Perseroan dan merangkap sebagai Sekretaris Perusahaan.
2. Merencanakan dan menyusun Corporate Financial Strategic Plan termasuk di dalamnya merencanakan biaya operasional Direktorat dibawahnya, serta mengkomunikasikan kepada seluruh jajaran executive management.
3. Bertanggung jawab terhadap seluruh pengelolaan keuangan Perseroan serta memantau dan memastikan pengelolaan keuangan Perseroan sesuai dengan peraturan internal Perseroan, dan peraturan perundang-undangan yang berlaku, kebijakan dan prosedur serta standar akutansi keuangan di Indonesia.
4. Membuka dan menjalin hubungan kerjasama dengan pihak lain dalam rangka mendapatkan investor yang tepat bagi Perseroan.
5. Memantau aktivitas pelaporan dan pembayaran kewajiban pajak dan laporan penutupan asuransi agar sesuai dengan peraturan internal Perseroan dan peraturan perundang-undangan yang berlaku.
6. Memantau pelaksanaan fungsi corporate service & communication di Perseroan dalam rangka menjaga dan memperkuat image Perseroan di mata publik.
7. Mengevaluasi implementasi kebijakan, strategi pengelolaan keuangan berikut kinerja seluruh fungsi yang berada di Finance Directorate secara berkelanjutan dalam rangka meningkatkan kapabilitas keuangan Perseroan.
8. Melakukan tugas dan wewenang Direksi lainnya yang ditetapkan oleh Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi Direksi Perseroan.
9. Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden Direktur Perseroan.
1. To supervise and in charge of the Company’s Finance Directorate and also serves as the Corporate Secretary.
2. To plan and develop the Corporate Financial Strategic Plan including its operations budget planning for the Directorates under its delegation, as well as communicating it to all executive managements.
3. Responsible on all the Company’s financial management as well as to monitor and ensure that the Company’s financial management is in accordance with the Company’s internal rules, and prevailing regulatories, policies and procedures as well as standard of financial accounting in Indonesia.
4. To open and maintain cooperation relations with other parties in order to obtain appropriate investors for the Company.
5. To monitor the reporting activities and taxes mandatory payments including insurance closing reports in order to be aligned with the Company’s internal rules and prevailing regulatories.
6. To monitor the corporate service & communication function implementation in the Company in order to maintain and strengthen the Company’s image to the public.
7. To evaluate the sustainable implementation of policies, financial management strategies including the performance of all functions under the Finance Directorate in order to improve the Company financial capabilities.
8. To perform other duties and authorities of the Board of Directors as set out in the Articles of Association and internal rules of the Company that is applicable for the Company’s Board of Directors.
9. Responsible to the Company’s President Director in implementing its duties.
DireksiBoard Of Directors
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH256
Anthony Y. PanggabeanDirektur | Director
1. Mengawasi dan membawahi Operation Directorate yang ada di Perseroan.
2. Merencanakan dan menyusun Operations Strategic Plan termasuk di dalamnya merencanakan biaya operasional Operations Directorate, serta mengkomunikasikannya kepada seluruh jajaran executive management.
3. Bertanggung jawab terhadap seluruh pengelolaan kegiatan operasional yang meliputi pada penyusunan dan penetapan policy dan procedure yang berlaku pada internal Perseroan, penyelenggaraan fungsi service, contact center, dan information technology (“IT”) Perseroan.
4. Mengarahkan dan memantau pengelolaan layanan kepada konsumen serta contact center secara nasional dalam rangka menjaga brand image Perseroan yang bertujuan untuk meningkatkan penjualan dan loyalitas konsumen terhadap Perseroan.
5. Memastikan tersedianya dukungan sistem/ prosedur kerja berbasis IT di setiap proses kerja yang ada di Perseroan termasuk mengarahkan dan memastikan keamanan perangkat IT untuk mencapai stabilitas dan keamanan sistem IT yang optimum.
1. To supervise and in charge of the Company’s Operation Directorate.
2. To plan and develop the Operations Strategic Plan including its operations budget planning of the Operations Directorate, as well as communicating it to all executive managements.
3. Responsible on all the operations activities management including the development and stipulation of policies and procedures applicable in the Company’s internal, implementation of service, contact center, and Information Technology (IT) of the Company.
4. To direct and monitor service management to consumers as well as contact centers nationally in an effort to maintain the Company’s brand image that aim to improve sales and customers’ loyalty to the Company.
5. To ensure the availability of system support or work procedures of IT-based in every work process in the Company, including to direct and ensure the safety of IT tools for the achievement of optimum IT system stability and safety.
6. Mengevaluasi implementasi kebijakan internal terkait operasional, strategi operasional dan IT berikut kinerja seluruh fungsi yang berada di Operations Directorate secara berkelanjutan dalam rangka meningkatkan proses operasional yang cepat, efektif dan efisien.
7. Melakukan tugas dan wewenang Direksi lainnya yang ditetapkan oleh Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi Direksi Perseroan.
8. Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden Direktur Perseroan.
6. To evaluate the sustainable implementation of internal policies on operations, operations and IT strategy including the performance of all functions under the Operations Directorate for the improvement of fast, effective and efficient operations process.
7. To perform other duties and authorities of the Board of Directors as set out in the Articles of Association and internal rules of the Company that is applicable for the Company’s Board of Directors.
8. Responsible to the Company’s President Director in implementing its duties.
Njauw Vido OnadiDirektur | Director
1. Mengawasi dan membawahi Risk Management Directorate yang ada di Perseroan.
2. Merencanakan dan menyusun Risk Management Strategic Plan termasuk di dalamnya merencanakan budget operasional Risk Management Directorate, serta mengkomunikasikan kepada seluruh jajaran executive management.
3. Memantau dan memastikan fungsi manajemen risiko di Perseroan berjalan efektif.
1. To supervise and in charge of the Company’s Risk Management Directorate.
2. To plan and develop the Risk Management Strategic Plan including the operations budget of Risk Management Directorate, as well as to communicate it to all executive managements.
3. To monitor and ensure effective implementation of risk management function in the Company.
DireksiBoard Of Directors
Horizon of GrowtH 257PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Njauw Vido OnadiDirektur | Director
4. Mengarahkan dan memantau aktivitas initiation credit agar berjalan efektif dalam rangka mendorong pertumbuhan bisnis Perseroan dengan kualitas portfolio yang baik.
5. Mengarahkan dan memantau aktivitas penagihan dan pengelolaan aset unit kendaraan tarikan termasuk pengembangan sistemnya agar berjalan efektif dan dapat meminimalkan tingkat Non Performing Loan.
6. Mengarahkan dan memantau aktivitas project management Perseroan agar seluruh project yang ditetapkan berjalan efektif dan mencapai sasaran dan waktu yang ditetapkan.
7. Melakukan evaluasi implementasi kebijakan, strategi manajemen risiko berikut kinerja seluruh fungsi yang berada di Risk Management Directorate, secara berkelanjutan dalam rangka meningkatkan kualitas portofolio yang sehat.
8. Melakukan tugas dan wewenang Direksi lainnya yang ditetapkan oleh Anggaran Dasar dan peraturan internal Perseroan yang berlaku bagi Direksi Perseroan.
9. Dalam melaksanakan tugas-tugasnya bertanggung jawab kepada Presiden Direktur Perseroan.
4. To direct and monitor effective credit initiation activities for the improvement of the Company’s business growth with good portfolio quality.
5. To direct and monitor effective billing activities and asset management of impounded vehicles unit including its system development in order to minimize the Non Performing Loan levels.
6. To direct and monitor the Company project management activities for effective project performance and to achieve the targets as well as the set timing.
7. To evaluate the sustainable implementation of risk management policies, strategies including the performance of all functions under the Risk Management Directorate for the improvement of sound portfolio quality.
8. To perform other duties and authorities of the Board of Directors as set out in the Articles of Association and internal rules of the Company that is applicable for the Company’s Board of Directors.
9. Responsible to the Company’s President Director in implementing its duties.
Pernyataan Independensi DireksiSeluruh anggota Direksi Perseroan independen, hal ini tercermin dari permyataan masing-masing anggota Direksi mengenai hal-hal di bawah ini:
1. Tidak memiliki hubungan keuangan, hubungan keluarga sampai dengan derajat kedua dengan sesama anggota Direksi, anggota Dewan Komisaris dan/atau Pemegang Saham Pengendali Perseroan.
2. Tidak pernah memanfaatkan Perseroan untuk kepentingan pribadi, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Perseroan.
3. Tidak pernah mengambil dan/atau menerima keuntungan pribadi dari Perseroan selain remunerasi dan fasilitas lainnya yang ditetapkan berdasarkan RUPS.
4. Tidak pernah memanfaatkan Perseroan untuk kepentingan pribadi, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Perseroan.
Statement of Directors’ IndependenceAll members of the Directors of the Company are independent, this is reflected in the statement of each member of the Board of Directors regarding the following matters:1. Has no financial relationship, family relationship up to
the second degree with fellow members of the Board of Directors, members of the Board of Commissioners and/or Controlling Shareholders of the Company.
2. Never use the Company for personal, family and/or other parties’ interests that can harm or reduce the Company’s profits.
3. Never take and/or receive personal benefits from the Company other than remuneration and other facilities determined based on the GMS.
4. Never use the Company for personal, family and /or other parties’ interests which can harm or reduce the Company’s profits.
DireksiBoard Of Directors
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH258
Keberagaman Anggota Direksi
Penentuan komposisi anggota Direksi dilakukan dengan memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan untuk mendukung pelaksanaan tugasnya selaku anggota Direksi. Komposisi anggota Direksi Perseroan telah mencerminkan keberagaman anggotanya, baik dalam hal pendidikan (bidang studi), pengalaman kerja, usia yang dapat dilihat dari profil masing-masing anggota Direksi Perseroan.
Kriteria Anggota Direksi
Yang dapat diangkat sebagai anggota Direksi adalah orang perseorangan yang memenuhi kriteria dan persyaratan sesuai dengan:
1. POJK No. 33/POJK.04/2014 tentang Direksi Dan Dewan Komisaris Emiten Atau Perusahaan Publik, Anggota Direksi merupakan orang perorangan yang memenuhi persyaratan pada saat diangkat dan selama menjabat:a. Mempunyai akhlak, moral, dan integritas yang
baik.b. Cakap melakukan perbuatan hukum.c. Dalam 5 (lima) tahun sebelum pengangkatan dan
selama menjabat:i. Tidak pernah dinyatakan pailit;ii. Tidak pernah menjadi anggota Direksi
dan/atau anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit;
iii. Tidak pernah dihukum karena melakukan tindak pidana yang merugikan keuangan Negara dan/atau yang berkaitan dengan sektor keuangan; dan
iv. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang selama menjabat:• Pernah tidak menyelenggarakan RUPS
Tahunan;• Pertanggungjawaban sebagai anggota
Direksi dan/atau anggota Dewan Komisaris pernah tidak diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada RUPS; dan
Diversity of Members of the Board of DirectorsDetermination of the Board of Directors member composition is done by taking into account the diversity of expertise, knowledge, and experience needed to support the implementation of its duties as a member of the Board of Directors. The composition of members of the Board of Directors of the Company has reflected the diversity of its members, both in terms of education (field of study), work experience, age, which can be seen from the profile of each member of the Company’s Board of Directors.
Criteria for Members of the Board of DirectorsWhich can be appointed as members of the Board of Directors are individuals who meet the criteria and requirements in accordance with:
1. POJK No. 33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies, Members of the Board of Directors are individuals who meet the requirements when appointed and during their tenure:a. Having good character, morals, and integrity.
b. Competent in legal actions.c. In the 5 (five) years prior to appointment and
during his tenure:i. Never declared bankrupt;ii. Have never been a member of a Board of
Directors and/or a Board of Commissioners found guilty of causing a company to go bankrupt;
iii. Have never been convicted of a criminal offense that is detrimental to the country’s finances and/or related to the financial sector; and
iv. Never been a member of the Board of Directors and/or member of the Board of Commissioners who during his tenure:• Never held an Annual GMS;
• Accountability as a member of the Board of Directors and/or member of the Board of Commissioners has never been accepted by the GMS or has never provided accountability as a member of the Board of Directors and/or member of the Board of Commissioners to the GMS; and
DireksiBoard Of Directors
Horizon of GrowtH 259PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
DireksiBoard Of Directors
• Pernah menyebabkan perusahaan yang memperoleh izin, persetujuan, atau pendaftaran dari OJK tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan keuangan kepada OJK.
d. Memiliki komitmen untuk mematuhi peraturan perundang-undangan.
e. Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perseroan.
2. POJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan, yang antara lain menyebutkan:a. Persyaratan integritas meliputi:
1. Cakap melakukan perbuatan hukum.2. Memiliki akhlak dan moral yang baik, paling
sedikit ditunjukkan dengan sikap mematuhi ketentuan yang berlaku, termasuk tidak pernah dihukum karena terbukti melakukan tindak pidana dalam jangka waktu tertentu sebelum dicalonkan.
3. Memiliki komitmen untuk mematuhi peraturan perundang-undangan dan mendukung kebijakan Otoritas Jasa Keuangan.
4. Memiliki komitmen terhadap pengembangan Lembaga Jasa Keuangan yang sehat.
5. Tidak termasuk sebagai pihak yang dilarang untuk menjadi Pihak Utama.
b. Persyaratan reputasi keuangan, paling sedikit dibuktikan dengan:1. Tidak memiliki kredit dan/atau pembiayaan
macet.2. Tidak pernah dinyatakan pailit dan/atau
tidak pernah menjadi pemegang saham, Pengendali Perusahaan Perasuransian yang bukan merupakan pemegang saham, anggota Direksi, atau anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perseroan dinyatakan pailit dalam waktu 5 (lima) tahun terakhir sebelum dicalonkan.
c. Persyaratan kelayakan keuangan, paling sedikit dibuktikan dengan:1. Memiliki reputasi keuangan sebagaimana
telah dijabarkan pada persyaratan reputasi keuangan di atas.
2. Memiliki kemampuan keuangan untuk melakukan upaya-upaya yang diperlukan apabila Lembaga Jasa Keuangan menghadapi kesulitan keuangan.
• Has caused companies that obtained permits, approvals, or registrations from OJK to not fulfill the obligation to submit annual reports and/or financial reports to OJK.
d. Have a commitment to obey the laws and regulations.
e. Having knowledge and/or expertise in the fields required by the Company.
2. POJK No. 27/POJK.03/2016 concerning the Fit and Proper Test for Main Parties of the Financial Services Institutions, which include:
a. Integrity requirements include:1. Competent in legal actions.2. Having good character and morals, at least
shown by the attitude of complying with applicable regulations, including never having been convicted of a crime in a certain period before being nominated.
3. Have a commitment to comply with laws and regulations and support the Financial Services Authority policy.
4. Have a commitment to the development of health Financial Services Institutions.
5. Not included as a party that is prohibited from being a Main Party.
b. Financial reputation requirements, at least evidenced by:1. Does not have bad credit and/or financing
2. Have never been declared bankrupt and/or never been a shareholder, Controlling Insurance Company that is not a shareholder, member of the Board of Directors, or a member of the Board of Commissioners who was found guilty of causing a company to be declared bankrupt within the last 5 (five) years before being nominated.
c. Financial eligibility requirements, at least evidenced by:1. Having a financial reputation as described in
the above financial reputation requirements
2. Having the financial capacity to make the necessary efforts if the Financial Services Institution faces financial difficulties.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH260
d. Persyaratan kompetensi, meliputi pengetahuan dan/atau pengalaman yang mendukung pengelolaan Lembaga Jasa Keuangan dimana dicalonkan.
3. Memenuhi persyaratan sebagai anggota Direksi berdasarkan Anggaran Dasar Perseroan.
Program Orientasi bagi Anggota Direksi BaruProgram Orientasi diadakan oleh Perseroan yang di selenggarakan oleh Sekretaris Perusahaan kepada anggota Direksi yang baru guna memberikan pemahaman tentang antara lain:1. Strategi Perseroan.2. Tugas, tanggung jawab dan kewenangan Direksi
berdasarkan Anggaran Dasar dan Peraturan Perundang-undangan yang berlaku di Indonesia.
3. Kebijakan terkait Tata Kelola Perusahaan.4. Fasilitas dalam rangka mendukung pelaksanaan tugas
Direksi.
Rencana Suksesi Anggota DireksiKomite Nominasi dan Remunerasi Perseroan memiliki peranan penting dalam nominasi kandidat calon anggota Direksi. Namun seorang Direktur dapat menunjuk karyawan internal Perseroan sebagai suksesornya termasuk karyawan internal yang masuk dalam Talent Pool Perseroan.
Kebijakan Suksesi Direktur Perseroan mengatur bahwa kandidat akan memperoleh serangkaian pengembangan diri yang terkait pekerjaannya serta pengembangan personal melalui pelatihan maupun melalui sistem kerja tim untuk memecahkan isu/ permasalahan tertentu.
DireksiBoard Of Directors
d. Competency requirements, including knowledge and / or experience that support the management of the Financial Services Institution where it is nominated.
3. Meet the requirements as a member of the Board of Directors based on the Company’s Articles of Association.
Orientation Programs for New Directors
The orientation Program is held by the Company which was held by the Corporate Secretary to new members of the Board of Directors in order to provide an understanding of amongst others:1. The Company’s strategies.2. Duties, responsibilities and authority within the
Company pursuant to the Articles of Association and the prevailing regulatories in Indonesia.
3. Policies related with Good Corporate Governance.4. Facilities to support the duties implementation of the
Board of Directors.
Board of Directors Succession PlansThe Company Nomination and Remuneration committee have an important role in nominating member of Directors candidate. However, a Director may appoint an internal employee as his/her successor including employee within the Company’s Talent Pool.
The Director Succession Policy of the Company regulates that a candidate will receive series of development related with his/her field of work as well as personal development through workshops or team task force for solving certain issues.
Horizon of GrowtH 261PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Dewan Pengawas SyariahSharia Supervisory Board
Mengacu pada Peraturan Otoritas Jasa Keuangan Nomor 30/POJK.05/2014 tentang Tata Kelola Perusahaan yang Baik Bagi Perusahaan Pembiayaan, Perseroan memiliki Unit Usaha Syariah, maka berkewajiban memiliki Dewan Pengawas Syariah.
Tugas dan Wewenang Dewan Pengawas SyariahDalam POJK No. 30/POJK/05/2014 Pasal 1 angka 14, dikatakan bahwa Dewan Pengawas Syariah, yang selanjutnya disingkat DPS, adalah bagian dari organ Perusahaan yang mempunyai tugas dan fungsi pengawasan terhadap penyelenggaraan kegiatan perusahaan agar sesuai dengan Prinsip Syariah. Dalam hal ini, Dewan Pengawas Syariah memiliki tugas dan wewenang sebagaimana diatur dalam Anggaran Dasar Perseroan serta dengan memperhatikan peraturan yang berlaku, yaitu:
• Sebagai perwakilan Perseroan pada Dewan Syariah Nasional Majelis Ulama Indonesia.
• Berfungsi sebagai pengawas aspek syariah kegiatan operasional Unit Usaha Syariah Perseroan agar sesuai dengan prinsip syariah.
• Berfungsi sebagai penasihat dan memberi saran kepada Direksi, Pimpinan Unit Usaha Syariah dan Kepala Cabang Unit Syariah Perseroan mengenai hal-hal yang terkait prinsip syariah.
• Berfungsi sebagai mediator Perseroan dengan Dewan Syariah Nasional dalam mengkomunikasikan usulan dan saran pengembangan produk, jasa yang memerlukan kajian dan fatwa dari Dewan Syariah Nasional.
Dalam menjalankan fungsinya, Dewan Pengawas Syariah wajib:
• Mengikuti fatwa Dewan Syariah Nasional Majelis Ulama Indonesia; dan
• Melaporkan kegiatan usaha serta pengembangan Unit Usaha Syariah Perseroan kepada Dewan Syariah Nasional Majelis Ulama Indonesia sesuai dengan ketentuan yang ditetapkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia.
Pursuant to the Financial Services Authority Regulation No. 30/POJK.05/2014 concerning Good Corporate Governance for Financing Company, Company has Sharia Business Unit oblised to have Sharia Supervisory Board.
Duties and Authorities of Sharia Supervisory BoardBased on POJK No. 30/POJK/05/2014 Article 1 No. 14, the Sharia Supervisory Board, further abbreviated as DPS, is a part of the Company’s organs having supervisory duties and functions to direct the implementation of the company’s activities to be in accordance with the Sharia Principles. As such, the Sharia Supervisory Board has the duties and authorities as regulated in the Company’s Articles of Association and with due observance to the applicable regulations, namely:
• Representing the Company at the National Sharia Board of the Indonesian Ulema Council.
• Functioning as a supervisor for the sharia aspects of the Company’s Sharia Business Unit operational activities to conform to sharia principles.
• Functioning as an advisor and providing advice to the Board of Directors, the Head of Sharia Business Unit and the Head of Sharia Branch Unit regarding matters related to sharia principles.
• Functioning as communications mediator between the Company and National Sharia Board concerning the proposals and suggestions of product and service development requiring reviews and fatwas from the National Sharia Board.
In carrying out its functions, the Sharia Supervisory Board shall:
• Follow the fatwa of the National Sharia Board of the Indonesian Ulema Council; and
• Report the Company’s Sharia business activity and its development to the Sharia Board of the Indonesian Ulema Council in accordance with the provisions established by the National Sharia Board of the Indonesian Ulema Council.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH262
Dewan Pengawas SyariahSharia Supervisory Board
Pengangkatan, Pengunduran Diri dan Masa Jabatan Dewan Pengawas SyariahBerdasarkan Anggaran Dasar Perseroan, Dewan Pengawas Syariah Perseroan terdiri dari sedikitnya 1 (satu) orang ahli syariah atau lebih yang diangkat oleh RUPS atas rekomendasi Dewan Syariah Nasional Majelis Ulama Indonesia.
Masa Jabatan anggota Dewan Pengawas Syariah sebagaimana ditentukan dalam RUPS, anggota Dewan Pengawas Syariah dapat mengundurkan diri kapan saja, dengan ketentuan anggota Dewan Pengawas Syariah yang akan mengundurkan dirinya menyampaikan surat pengunduran diri kepada Perseroan minimal 30 (tiga puluh) hari sebelum pengunduran dirinya efektif. Perseroan wajib menyelenggarakan RUPS dalam waktu 90 (sembilan puluh) hari sejak diterimanya surat pengunduran diri oleh Perseroan.
Jumlah dan Komposisi Dewan Pengawas SyariahJika Dewan Pengawas Syariah tersusun oleh lebih dari satu orang, maka komposisinya diatur dengan ketentuan sebagai berikut:a. Seorang Ketua Dewan Pengawas Syariah;b. Seorang anggota Dewan Pengawas Syariah atau lebih.
Sebagaimana Akta Pernyataan Keputusan Rapat Perseroan Nomor 30 tanggal 31 Mei 2017, dibuat dihadapan Ny. Rini Yulianti S.H, Notaris Kota Jakarta Timur, susunan keanggotaan Dewan Pengawas Syariah dalam Perseroan ialah sebagai berikut:
NamaName
JabatanPosition
Dr. H. Abdul Jabar Majid, MA Ketua | Chairman
Ir. H. Muhammad Nadratuzzaman Hosen. Anggota | Member
H. Muhammad Taufik Darmansyah, S.E Anggota | Member
Rapat Dewan Pengawas Syariah dan Risalah Rapat
Berdasarkan ketentuannya, Dewan Pengawas Syariah wajib menyelenggarakan rapat Dewan Pengawas Syariah secara berkala paling sedikit 6 (enam) kali dalam 1 (satu) tahun. Dalam rapat, Dewan Pengawas Syariah memberikan nasihat dan saran terkait dengan pengembangan usaha pembiayaan syariah Perseroan. Dewan Pengawas Syariah juga secara berkala memberikan evaluasi terkait kesesuaian pengembangan bisnis yang dilakukan dengan prinsip-prinsip usaha syariah.
Appointment, Resignation and Term of Office of the Sharia Supervisory BoardPursuant to the Company’s Articles of Association, the Sharia Supervisory Board comprises at least 1 (one) or more sharia expert(s) appointed by the GMS on the recommendation of the National Sharia Board of the Indonesian Ulema Council.
The tenure of members of the Sharia Supervisory Board is based on the GMS resolution. Any Sharia Supervisory Board member may resign at any time, provided that the resigning member shall submit a resignation letter to the Company at the latest of 30 (thirty) days prior to his resignation effective date. The Company shall conduct a GMS within 90 (ninety) days upon the receipt of the resignation letter by the Company.
Total Members and Composition of the Sharia Supervisory Board If the Sharia Supervisory Board consists of more than one person, the composition will be arrangedwith the following provisions:a. A Chairman of the Sharia Supervisory Board;b. A member of the Sharia Supervisory Board or more.
As stated in the Deed of Meeting Resolution No. 30 dated May 31, 2017, made before Rini Yulianti, S.H, Notary in East Jakarta the composition of the Sharia Supervisory Board is as follows:
Sharia Supervisory Board Meeting and Minutes of Meeting
Based on the provision, the Sharia Supervisory Board is required to periodically hold at least 6 (six) meetings in 1 (one) year. In the Meetings, the Sharia Supervisory Board gives advice and suggestions regarding the Company’s sharia financing business development. The Sharia Supervisory Board also regularly evaluates the compliance of the Company’s business development with sharia principles.
Horizon of GrowtH 263PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Dewan Pengawas SyariahSharia Supervisory Board
Sepanjang 2019, Dewan Pengawas Syariah telah melakukan 6 (enam) kali rapat dengan tingkat kehadiran sebagai berikut:
NamaName
Jumlah RapatTotal Meetings
Jumlah KehadiranTotal Attendance
KehadiranAttendance
Dr. H. Abdul Jabar Majid, MA 6 6 100 %
Ir. H. Muhammad Nadratuzzaman Hosen
6 5 83,33%
H. Muhammad Taufik Darmansyah, S.E
6 5 83,33%
No. Tanggal RapatDate
Peserta RapatParticipants
1. 31 Januari | January 2019 DPS, Kepala Unit Usaha Syariah & Function terkaitSharia Supervisory Board, Head of Sharia Business Unit & relevant Functions
2. 27 Februari | Febuary 2019
3. 25 April 2019
4. 8 Oktober | October 2019
5. 12 November 2019
6. 10 Desember | November 2019
Pelatihan Dewan Pengawas SyariahSepanjang 2019, Dewan Pengawas Syariah telah berpartisipasi dalam beberapa pelatihan, dengan rincian sebagai berikut:
NamaName
SertifikatCertificates
PenyelenggaraOrganizers
Tanggal dan TempatDate and Venue
Dr. H. Abdul Jabar Majid, MA
Workshop Pra-Ijtima Sanawi (Annual Meeting) Dewan Pengawas Syariah (DPS) Tahun 2019 Bidang Pembiayaan, Penjaminan, Modal Ventura, Pergadaian, dan Fintech Syariah.Workshop on Pra-Ijtima Sanawi (Annual Meeting) Sharia Supervisory Board 2019 in Financing, Guarantee, Venture Capital, Pawnshop, and Sharia Fintech.
Dewan Syariah Nasional - Majelis Ulama IndonesiaNational Sharia Council - Indonesian Ulema Council
Jakarta, 19 September 2019
Dr. Ir. H.M. Nadratuzzaman Hosen
Narasumber di Workshop Keuangan Syariah 2019Speaker at the Sharia Finance Workshop 2019
IBFI Trisakti Mataram, 20-21 Juni | June 2019
Narasumber di Pelatihan Manajemen Gadai Syariah Angkatan I/2019Speaker at the Sharia Pawn Management Training Batch I / 2019
PT Pegadaian dan IBFI Trisakti
Surabaya, 29 Juni | June 2019
Workshop Pra-Ijtima' Sanawi (Annual Meeting) Dewan Pengawas Syariah (DPS) Tahun 2019 Bidang Pembiayaan, Penjaminan, Modal Ventura, Pergadaian, dan Fintech Syariah.Workshop on Pra-Ijtima Sanawi (Annual Meeting) Sharia Supervisory Board 2019 in Financing, Guarantee, Venture Capital, Pawnshop, and Sharia Fintech.
Dewan Syariah Nasional - Majelis Ulama IndonesiaNational Sharia Council - Indonesian Ulema Council
Jakarta, 19 September 2019
H. Muh. Taufik Darmansyah, SE, CPA
Seminar Nasional "Transformasi Perbankan Syariah dan Sosialisasi Implementasi Laporan Bulanan BPR Syariah"National Seminar of "Sharia Banking Transformation and Disseminating Sharia BPR Monthly Report Implementation"
Kompartemen BPR Syariah ASBISINDO
-
Throughout 2019, the Sharia Supervisory Board had convened 6 (six) meetings with the following attendance:
Sharia Supervisory Board TrainingThroughout 2019, the Sharia Supervisory Board has participated in several trainings, with the following details:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH264
Kebijakan Remunerasi Dewan Komisaris Dan DireksiRemuneration Policy Of The Board Of Commissioners And Board Of Directors
Penentuan besarnya remunerasi Anggota Dewan Komisaris dan para anggota Dewan Pengawas Syariah dilimpahkan wewenangnya oleh RUPS kepada Presiden Komisaris dengan memperhatikan usul dan rekomendasi dari Komite Nominasi dan Remunerasi Perseroan.
Penentuan besarnya remunerasi Anggota Direksi dilimpahkan wewenangnya oleh RUPS kepada Dewan Komisaris dengan memperhatikan usul dan rekomendasi dari Komite Nominasi dan Remunerasi Perseroan.
Struktur Remunerasi Dewan Komisaris dan DireksiDi bawah ini merupakan rincian paket kebijakan remunerasi dan fasilitas lain bagi Dewan Komisaris dan Direksi:
Dewan Komisaris | Board of Commissioners
Jumlah Remunerasi per Orang dalam 1 tahun *)Total Remuneration per Person in 1 year
Jumlah Dewan Komisaris | Total of Board of Commissioners
Di atas Rp2,5 miliarAbove Rp2.5 billion
-
Di atas Rp1 miliar s/d Rp2,5 miliarAbove Rp1 billion to Rp2.5 billion
-
Di atas Rp500 juta s/d Rp1 miliarAbove Rp500 million to Rp1 billion
5
Di atas Rp500 jutaAbove Rp500 million
-
Direksi | Board of Directors
Jumlah Remunerasi per Orang dalam 1 tahun *)Total Remuneration per Person in 1 year
Jumlah Direksi | Total of Board of Directors
Di atas Rp2,5 miliarAbove Rp2.5 billion
-
Di atas Rp1 miliar s/d Rp2,5 miliarAbove Rp1 billion to Rp2.5 billion
4
Di atas Rp500 juta s/d Rp1 miliarAbove Rp500 million to Rp1 billion
1
Di atas Rp500 jutaAbove Rp500 million
-
The authority to determine the remuneration amount for Members of the Board of Commissioners and the Sharia Supervisory Board is delegated by the GMS to the President Commissioner by taking into account the proposal and recommendation of the Company’s Nomination and Remuneration Committee.
The authority to determine the remuneration amount for Members of the Board of Directors is delegated by the GMS to the Board of Commissioners with due observance to the proposal and recommendation of the Company’s Nomination and Remuneration Committee.
Board of Commissioners and Board of Directors Remuneration StructuresThe remuneration policy package and other facilities for the Board of Commissioners and Board of Directors is detailed below:
Horizon of GrowtH 265PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Jumlah Remunerasi dan Fasilitas LainRemuneration and Other Facilities
Jumlah yang diterima dalam 1 TahunTotal received in 1 year
Dewan KomisarisBoard of Commissioners
DireksiBoard of Directors
OrangPerson
Jutaan RupiahRupiah Million
OrangPerson
Jutaan RupiahRupiah Million
Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainya)Remuneration (salary, bonus, routine allowance, tantiem, and other facilities)
5 3.480.000.000,- 5 12.714.000.000,-
Dengan demikian, jumlah remunerasi Dewan Komisaris dan Direksi pada tahun 2019 adalah sebesar Rp16,2 miliar.
Penetapan Remunerasi DireksiDalam menyusun struktur, kebijakan dan besaran remunerasi Direksi, beberapa hal yang menjadi dasar pertimbangan adalah sebagai berikut:
1. Remunerasi yang berlaku di industri Multifinance
2. Kinerja keuangan Perseroan3. Pencapaian kinerja masing-masing anggota Direksi
dengan indikator utama seperti keuntungan Perseroan, pertumbuhan penjualan, portofolio risiko serta produktivitas
4. Kewajaran dengan memperhatikan peer group5. Komposisi pendapatan tetap dan variable6. Pertimbangan sasaran dan strategi jangka panjang
dan pendek perseroan.
As such, total remuneration of the Board of Commissioners and Board of Directors in 2019 is Rp16,2 billion.
Board of Directors Remuneration CriteriaSeveral basis of considerations in developing the remuneration structure, policy and amount for the Board of Directors are as follows: 1. The remuneration applicable in the Multifinance
industry2. The Company’s financial performance.3. The performance achievements of each member of
the Company’s Board of Directors with key indicators such as profitability, sales growth, risk profiles, and productivity.
4. Fairness by considering peer group5. Composition of fixed and variable revenues6. Consideration of long term and short term targets and
strategy.
Kebijakan Remunerasi Dewan Komisaris Dan Direksi
Remuneration Policy Of The Board Of Commissioners And Board Of Directors
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH266
Rapat Dewan KomisarisDan DireksiMeetings Of The Board Of Commissioners And Board Of Directors
Tata Cara Pelaksanaan Rapat Dewan KomisarisSebelum rapat dilaksanakan, Presiden Komisaris terlebih dahulu melakukan pemanggilan rapat terhadap anggota Dewan Komisaris. Jika Presiden Komisaris berhalangan, pemanggilan rapat dilakukan oleh 2 (dua) orang anggota Dewan Komisaris lainnya. Pemanggilan Rapat harus mencantumkan acara, tanggal, waktu dan tempat rapat.
Apabila semua anggota Dewan Komisaris hadir atau diwakili, pemanggilan terlebih dahulu tersebut tidak disyaratkan dan Rapat Dewan Komisaris dapat diadakan di tempat kedudukan atau di tempat kegiatan usaha utama Perseroan atau di tempat lainnya, sebagaimana yang ditentukan oleh Dewan Komisaris. Rapat Dewan Komisaris dengan kondisi tersebut berhak mengambil keputusan yang sah dan mengikat.
Dalam pelaksanaannya, rapat Dewan Komisaris dipimpin oleh Presiden Komisaris, dalam hal Presiden Komisaris tidak dapat hadir atau berhalangan, yang hal tersebut tidak perlu dibuktikan kepada pihak ketiga, maka Rapat dipimpin oleh seorang anggota Dewan Komisaris yang dipilih oleh dan dari anggota Dewan Komisaris yang hadir.
Sepanjang tahun 2019, Dewan Komisaris Perseroan telah melakukan 9 (sembilan) kali rapat, dengan tingkat kehadiran dan agenda sebagai berikut:
NamaName
Jumlah RapatNumber of Meetings
Jumlah KehadiranAttendance
% Kehadiran% Attendance
I Nyoman Tjager 9 9 100
Robbyanto Budiman 9 8 88,9
Garibaldi Thohir 9 8 88,9
Thilagavathy Nadason 9 7 77,8
Myrnie Zachrani Tamin 9 9 100
Board of Commissioners Meeting Convention ProceduresThe President Commissioner shall announce the meeting to members of the Board of Commissioners prior to the meeting. In the event that the President Commissioner is unavailable, meeting announcement can be organized by the other 2 (two) Board of Commissioners members. Announce of meeting shall state the event, date, time and meeting location.
In the event that all Board of Commissioners members are present or represented, the announcement is not required and the Board of Commissioners Meeting can be conducted in the domicile or in the Company’s main business activity location or other venues, as suggested by the Board of Commissioners. Legally binding decision may be generated from the Board of Commissioners Meeting in such a condition.
The Board of Commissioners Meeting is chaired by the President Commissioner. In the event that the President Commissioner is absent or unavailable, which does not need to be proven to the third party, the Meeting will be chaired by a member of Board of Commissioners appointed by and from the Board of Commissioners members attending the meeting.
Throughout 2019, the Company’s Board of Commissioners has convened 9 (nine) meetings, with the following attendance and Agenda:
Horizon of GrowtH 267PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Dewan KomisarisDan Direksi
Meetings Of The Board Of Commissioners And Board Of Directors
No Tanggal RapatMeeting Dates
Peserta RapatMeeting Participants
Agenda RapatMeeting Agenda
116 Januari 2019January 16, 2019
Dewan KomisarisBoard of Commissioners
Kinerja Desember 2018December 2018 Performance
214 Februari 2019February 14, 2019
Dewan KomisarisBoard of Commissioners
Kinerja Januari 2019January 2019 Performance
3 23 April 2019Dewan KomisarisBoard of Commissioners
Kinerja Maret 2019March 2019 Performance
416 Mei 2019May 16, 2019
Dewan KomisarisBoard of Commissioners
Kinerja April 2019April 2019 Performance
518 Juli 2019July 18, 2019
Dewan KomisarisBoard of Commissioners
Kinerja Juni 2019June 2019 Performance
620 Agustus 2019August 20, 2019
Dewan KomisarisBoard of Commissioners
Kinerja Juli 2019July 2019 Performance
7 12 September 2019Dewan KomisarisBoard of Commissioners
Kinerja Agustus 2019August 2019 Performance
817 Oktober 2019October 17, 2019
Dewan KomisarisBoard of Commissioners
Kinerja September 2019September 2019 Performance
9 21 November 2019Dewan KomisarisBoard of Commissioners
Kinerja Oktober 2019October 2019 Performance
Rapat GabunganBerdasarkan peraturan OJK No. 33/POJK.04/2014, Dewan Komisaris wajib mengadakan rapat gabungan bersama Direksi secara berkala paling kurang sekali dalam 4 (empat) bulan.
Selama tahun 2019 rapat gabungan Dewan Komisaris-Direksi dilaksanakan sebanyak 9 (sembilan) kali dengan tingkat kehadiran dan agenda sebagai berikut:
Joint MeetingsPursuant to OJK regulation No.33/POJK.04/2014, the Board of Commissioners shall conduct joint meeting with the Board of Directors periodically at least once in 4 (four) months.
In 2019, the Board of Commissioners and Board of Directors joint meetings were held 9 (nine) times with the attendance and agenda as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH268
NamaName
Jumlah RapatNumber of Meetings
Jumlah KehadiranAttendance
% Kehadiran% Attendance
Djaja Suryanto Sutandar 9 9 100
Simon Tan Kian Bing*) 4 4 100
Anthony Y Panggabean 9 9 100
Zacharia Susantadiredja 9 9 100
Njauw Vido Onadi 9 9 100
Wibowo**) 2 2 100
I Nyoman Tjager 9 9 100
Robbyanto Budiman 9 8 88,9
Garibaldi Thohir 9 8 88,9
Thilagavathy Nadason 9 7 77,8
Myrnie ZachraniTamin 9 9 100
Catatan:*) Simon Tan Kian Bing diberhentikan sebagai Direktur Independen Perseroan efektif sejak tanggal 15 Juli 2019.**) Pengangkatan Wibowo akan berlaku efektif setelah diperolehnya persetujuan dari Otoritas Jasa Keuangan. Per posisi 31 Desember 2019, persetujuan Otoritas Jasa Keuangan tersebut masih dalam proses dan beliau pada saat ini menjabat sebagai Chief Marketing Officer*) Simon Tan Kian Bing was dismissed as the Independent Director of the Company effective as of July 15, 2019.**) Wibowo’s appointment will be effective after obtaining approval from the Financial Services Authority. As of December 31, 2019, the approval of the Financial Services Authority is still in process and he currently serves as Chief Marketing Officer
No Tanggal RapatMeeting Dates
Peserta RapatMeeting Participants
Agenda RapatMeeting Agenda
116 Januari 2019January 16, 2019
Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja Desember 2018December 2018 Performance
214 Februari 2019February 14, 2019
Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja Januari 2019January 2019 Performance
3 23 April 2019Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja Maret 2019March 2019 Performance
416 Mei 2019May 16, 2019
Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja April 2019April 2019 Performance
518 Juli 2019July 18, 2019
Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja Juni 2019June 2019 Performance
620 Agustus 2019August 20, 2019
Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja Juli 2019July 2019 Performance
7 12 September 2019Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja Agustus 2019August 2019 Performance
817 Oktober 2019October 17, 2019
Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja September 2019September 2019 Performance
9 21 November 2019Dewan Komisaris & DireksiBoard of Commissioners & Board of Directors
Kinerja Oktober 2019October 2019 Performance
Rapat Dewan KomisarisDan DireksiMeetings Of The Board Of Commissioners And Board Of Directors
Horizon of GrowtH 269PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Rapat Dewan KomisarisDan Direksi
Meetings Of The Board Of Commissioners And Board Of Directors
Tata Cara Pelaksanaan Rapat Direksi
Sesuai Anggaran Dasar, Rapat Direksi harus diadakan secara berkala paling sedikit 1 (satu) kali dalam setiap bulan dan/atau dapat diadakan setiap waktu bilamana dipandang perlu atas permintaan dari seorang atau lebih anggota Direksi atau atas permintaan tertulis dari seorang atau lebih anggota Dewan Komisaris, atau atas permintaan tertulis 1 (satu) pemegang saham atau lebih yang bersama-sama mewakili 1/10 (satu persepuluh) bagian dari jumlah seluruh saham dengan hak suara yang sah.
Sepanjang tahun 2019, Direksi Perseroan telah melakukan 44 (empat puluh empat) kali rapat, dengan tingkat kehadiran sebagai berikut:
NamaName
Jumlah RapatTotal Meetings
Jumlah KehadiranTotal Attendance
% Kehadiran% Attendance
Djaja Suryanto Sutandar 44 37 84
Simon Tan Kian Bing*) 23 20 87
Anthony Y Panggabean 44 41 93
Zacharia Susantadiredja 44 41 93
Njauw Vido Onadi 44 39 89
Wibowo**) 9 7 78
Catatan:*)Simon Tan Kian Bing diberhentikan sebagai Direktur Independen Perseroan efektif sejak tanggal 15 Juli 2019.**)Pengangkatan Wibowo akan berlaku efektif setelah diperolehnya persetujuan dari Otoritas Jasa Keuangan. Per posisi 31 Desember 2019, persetujuan Otoritas Jasa Keuangan tersebut masih dalam proses dan beliau pada saat ini menjabat sebagai Chief Marketing Officer*) Simon Tan Kian Bing was dismissed as the Independent Director of the Company effective as of July 15, 2019.**) Wibowo’s appointment will be effective after obtaining approval from the Financial Services Authority. As of December 31, 2019, the approval of the Financial Services Authority is still in process and he currently serves as Chief Marketing Officer
Board of Directors Meeting Convention ProceduresAs stipulated in the Company’s Articles of Association, the Board of Directors meeting shall be convened periodically at least once every month and/or may be organized at any time if necessary, on the request of one or more Board of Directors members or based on written request of one or more Board of Commissioners members, or the written request from 1 (one) or more shareholders which represent 1/10 (one-tenth) of the total shares with legitimate voting rights.
Throughout 2019, the Company’s Board of Directors has conducted 44 (fourty four) meetings, with the following attendance:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH270
Hubungan Afiliasi Antara Anggota Direksi, Dewan Komisaris dan Pemegang Saham Utama & Pemegang Saham PengendaliAffilliates Between Members Of The Board of Directors, Board of Commissioners and Majoring & Controlling Shareholders
Pengungkapan hubungan keuangan dan hubungan keluarga antara anggota Direksi, Dewan Komisaris dan Pemegang Saham Utama dan Pemegang Saham Pengendali sebagai berikut:
Tabel Hubungan Keuangan Dewan KomisarisTable of Financial Relations of the Board of Commissioners
NamaName
JabatanPosition
Hubungan Keuangan | Financial Relations
Dewan KomisarisBoard of
Commissioners
DireksiBoard of Directors
Pemegang Saham Utama
Majoring Shareholders
Pemegang Saham PengendaliControlling
Shareholders
YaYes
TidakNo
YaYes
TidakNo
YaYes
TidakNo
YaYes
TidakNo
I Nyoman Tjager Presiden Komisaris/Komisaris IndependenPresident Commissioner/Independent Commissioner
√ √ √ √
Robbyanto Budiman
Wakil Presiden KomisarisVice President Commissioner
√ √ √ √
Garibaldi Thohir KomisarisCommissioner
√ √ √ √
Myrnie Zachraini Tamin
Komisaris IndependenIndependent Commissioner
√ √ √ √
Thilagavathy Nadason
KomisarisCommisioner
√ √ √ √
The disclosure of financial and family relationships between members of the Board of Directors, Board of Commissioners and Majoring Shareholders and Controlling Shareholders are as follows:
Horizon of GrowtH 271PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tabel Hubungan Keluarga Dewan KomisarisTable of Family Relations of the Board of Commissioners
NamaName
JabatanPosition
Hubungan Keluarga | Family Relations
Dewan KomisarisBoard of
Commissioners
DireksiBoard of Directors
Pemegang Saham Utama
Major Shareholders
Pemegang Saham PengendaliControlling
Shareholders
YaYes Tidak Ya
Yes Tidak YaYes Tidak Ya
Yes Tidak
I Nyoman Tjager Presiden Komisaris/Komisaris IndependenPresident Commissioner/Independent Commisioner
√ √ √ √
Robbyanto Budiman
Wakil Presiden KomisarisVice President Commissioner
√ √ √ √
Garibaldi Thohir KomisarisCommissioner
√ √ √ √
Myrnie Zachraini Tamin
Komisaris IndependenIndependent Commissioner
√ √ √ √
Thilagavathy Nadason
KomisarisCommissioner
√ √ √ √
Tabel Hubungan Keuangan DireksiTable of Financial Relations of the Board of Directors
NamaName
JabatanPosition
Hubungan Keuangan | Financial Relations
Dewan KomisarisBoard of
Commissioner
DireksiBoard of Directors
Pemegang Saham Utama
Majoring Shareholders
Pemegang Saham PengendaliControlling
Shareholders
YaYes
TidakNo
YaYes
TidakNo
YaYes
TidakNo
YaYes
TidakNo
Djaja Suryanto Sutandar
Presiden DirekturPresident Director
√ √ √ √
Zacharia Susantadiredja
Direktur | Director
√ √ √ √
Anthony Y Panggabean
Direktur | Director
√ √ √ √
Njauw Vido OnadiDirektur | Director
√ √ √ √
Wibowo*)Direktur | Director
√ √ √ √
Hubungan Afiliasi Antara Anggota Direksi, Dewan Komisaris dan Pemegang Saham Utama &
Pemegang Saham PengendaliAffilliates Between Members Of The Board of Directors, Board of
Commissioners and Majoring & Controlling Shareholders
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH272
Tabel Hubungan Keluarga DireksiTable of Family Relations of the Board of Directors
NamaName
JabatanPosition
Hubungan Keluarga | Family Relations
Dewan KomisarisBoard of
Commissioner
DireksiBoard of Directors
Pemegang Saham Utama
Majoring Shareholders
Pemegang Saham PengendaliControlling
Shareholders
YaYes
TidakNo
YaYes
TidakNo
YaYes
TidakNo
YaYes
TidakNo
Djaja Suryanto Sutandar
Presiden DirekturPresident Director
√ √ √ √
Zacharia Susantadiredja Direktur | Director
√ √ √ √
Anthony Y Panggabean Direktur | Director
√ √ √ √
Njauw Vido Onadi Direktur | Director
√ √ √ √
Wibowo*) Direktur | DIrector
√ √ √ √
*) Pengangkatan Wibowo akan berlaku efektif setelah diperolehnya persetujuan dari Otoritas Jasa Keuangan. Per posisi 31 Desember 2019, persetujuan Otoritas Jasa Keuangan tersebut masih dalam proses dan beliau pada saat ini menjabat sebagai Chief Marketing Officer.*) Wibowo’s appointment will be effective after obtaining approval from the Financial Services Authority. As of December 31, 2019, the approval of the Financial Services Authority is still in process and he currently serves as Chief Marketing Officer.
Hubungan Afiliasi Antara Anggota Direksi, Dewan Komisaris dan Pemegang Saham Utama & Pemegang Saham PengendaliAffilliates Between Members Of The Board of Directors, Board of Commissioners and Majoring & Controlling Shareholders
Horizon of GrowtH 273PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Komite AuditAudit Committee
Dasar Hukum• POJK No. 55/POJK.04/2015 tentang Pembentukan
dan Pedoman Pelaksanaan Kerja Komite Audit
• POJK No. 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau Perusahan Publik
• POJK No. 30/POJK.05/2014 tentang Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan tentang tugas dan wewenang Dewan Komisaris
• Surat Keputusan Dewan Komisaris No.001/BOC-WOM/2017 tentang Pembentukan Komite Audit tanggal 2 Juni 2017.
Piagam Komite AuditKomite Audit Bank telah memiliki Piagam Komite Audit yang mengatur antara lain mengenai tugas dan tanggung jawab, keanggotaan, prosedur kerja dan rapat dalam hal pelaksanaan kegiatan Komite Audit. Piagam Komite Audit terakhir dikinikan tanggal 11 Desember 2017.
Struktur dan KeanggotaanBerdasarkan Surat Keputusan Dewan Komisaris No.001/BOC-WOM/2017 tentang Pembentukan Komite Audit tanggal 2 Juni 2017, Susunan Anggota Komite Audit adalah sebagai berikut:
NamaName
Posisi di KomitePosition in the Committee
Jabatan di PerusahaanPosition in the Company
Periode JabatanTermsofOffice
Myrnie Zachraini TaminKetuaChairman
Komisaris IndependenIndependent Commissioner
2 Juni 2017 - RUPS Tahunan 2020 June 2, 2017 - Annual GMS 2020
Setiawan Kriswanto AnggotaMember
Pihak IndependenIndependent Party
2 Juni 2017 - RUPS Tahunan 2020June 2, 2017 - Annual GMS 2020
Patricia Marina Sugondo AnggotaMember
Pihak IndependenIndependent Party
2 Juni 2017 - RUPS Tahunan 2020June 2, 2017 - Annual GMS 2020
Legal Basis• POJK No. 55/POJK.04/2015 concerning the Formation
and Guidelines for the Work Implementation of the Audit Committee
• POJK No. 33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies
• POJK No. 30/POJK.05/2014 concerning Good Corporate Governance for Financing Companies
• Board of Commissioners Decree No.001/BOC-WOM/2017 concerning the Establishment of the Audit Committee on June 2, 2017.
Audit Committee CharterThe Bank’s Audit Committee has an Audit Committee Charter which regulates, among others, the duties and responsibilities, membership, work procedures and meetings regarding the implementation of the Audit Committee's activities. The Audit Committee Charter was last updated on December 11, 2017.
Structure and MembershipBased on the Board of Commissioners Decree No.001/BOC-WOM/2017 concerning the Establishment of the Audit Committee on June 2, 2017, the Audit Committee Membership Structure is as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH274
Myrnie Zachraini TaminKetua/Chairman 55 Tahun/Years oldWarga Negara Indonesia/Indonesian Citizen
Masa Jabatan | TermsofOffice2 Juni 2017 - RUPS Tahunan 2020 June 2, 2017 - Annual GMS 2020
Dasar Pengangkatan | Appointment BasisSurat Keputusan Dewan Komisaris No. 001/BOC-WOM/2017 tentang Pembentukan Komite Audit tanggal 2 Juni 2017Board of Commissioners Decree No. 001/BOC-WOM/2017 concerning the formation of the Audit Committee on June 2, 2017
Riwayat Pendidikan | Educational BackgroundTersedia dalam bagian Profil Dewan Komisaris pada Laporan Tahunan iniAvalaible at BOC Profile Section in this Annual Report
Pengalaman Kerja | Professional ExperienceTersedia dalam bagian Profil Dewan Komisaris pada Laporan Tahunan iniAvalaible at BOC Profile Section in this Annual Report
Patricia Marina SugondoAnggota/Pihak IndependenMember/Independent Party52 Tahun/Years OldWarga Negara Indonesia/Indonesian Citizen
Masa Jabatan | TermsofOffice2 Juni 2017 - RUPS Tahunan 2020 June 2, 2017 - Annual GMS 2020
Dasar Pengangkatan | Appointment BasisSurat Keputusan Dewan Komisaris No. 001/BOC-WOM/2017 tentang Pembentukan Komite Audit tanggal 2 Juni 2017Board of Commissioners Decree No. 001/BOC-WOM/2017 concerning the formation of the Audit Committee on June 2, 2017
Riwayat Pendidikan | Educational BackgroundMeraih Gelar Sarjana di bidang Akuntansi dari Universitas Katolik Atmajaya pada tahun 1990Obtained a bachelor degree in Accounting from Atmajaya Catholic University in 1990
Pengalaman Kerja | Professional Experience• Assurance and Business Advisory Services - Senior Manager (1990 - 2002)• PT GNV Solution (previously PT GNV Consulting) (2008 - sekarang)• Anggota Komite Audit PT Samudera Indonesia Tbk ( 2009 - sekarang)• Anggota Komite Audit PT Elang Mahkota Teknologi Tbk (2010 - sekarang)• Anggota Komite Audit PT Surya Citra Media Tbk (2017 - sekarang)• Anggota Komite Audit PT Sarana Media Nusantara Tbk (2018 - sekarang)
• Assurance and Business Advisory Services - Senior Manager (1990 - 2002)• PT GNV Solution (previously PT GNV Consulting) (2008 - present)• Audit Committee Member PT Samudera Indonesia Tbk (2009 - present)• Audit Committee Member PT Elang Mahkota Teknologi Tbk (2010 - present)• Audit Committee Member PT Surya Citra Media Tbk (2017 - present)• Audit Committee Member PT Sarana Media Nusantara Tbk (2018 - present)
Komite AuditAudit Committee
Horizon of GrowtH 275PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Komite AuditAudit Committee
Setiawan Kriswanto Anggota/Pihak IndependenMember/Independent Party59 Tahun/Years OldWarga Negara Indonesia/Indonesian Citizen
Riwayat Pendidikan | Educational BackgroundMeraih Gelar Master, Manajemen Sumber Daya Manusia, Krisna Dwipana, Jakarta, 2002. Gelar Sarjana Akuntansi dari Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESA), Surabaya, 1986. D4 Akuntansi dari Sekolah Tinggi Akuntansi Negara (STAN), Jakarta 1991, dan D3 Akuntansi dari Sekolah Tinggi Akuntansi Negara (STAN), Jakarta 1982.Obtained Master Degree in Human Resources Management from Krisna Dwipana, Jakarta 2002. Bachelor Degree in Accounting from Indonesia Economic Science Academy (STIESA), Surabaya 1986. D4 Accounting from State Accounting Academy (STAN), Jakarta 1991, and D3 Accounting from State Accounting Academy (STAN), Jakarta 1982.
Riwayat Pekerjaan | Professional Background• Auditor di Badan Pengawasan Keuangan dan Pembangunan (BPKP – Jawa Timur) (1982 – 1991)• Kepala Satuan Kerja Audit Intern (SKAI), Bank Dagang dan Industri (Bank BDI – Jakarta) (1991 – 1999)• Ketua Tim Pengelola Sementara (TPS) pada Badan Penyehatan Perbankan (BPPN) – Jakarta (1999 – 2002)• Anggota Komite Audit Bank Danamon (2002 – 2008)• Anggota Komite Audit Maybank (BII) (2008 – 2012)• Anggota Komite Audit Bank BRI AGRO (2010 – 2015)• Anggota Komite Audit EXIM Bank (2013 – 2018)• Anggota Komite Audit CSUL Finance (2015 – 2021)• Anggota Komite Audit UOB Bank (2018 – 2019)• Anggota Komite Audit WOM Finance (2014 – 2020)
• Auditor of Financial and Development Supervisory Agency (BPKP – Jawa Timur) (1982 – 1991)• Head of Internal Audit Unit, Bank Dagang & Industri (Bank BDI – Jakarta) (1991 – 1999)• Acting Head of Management Team, Bank Restructuring Agency – Jakarta (1999 – 2002)• Audit Committee Member Bank Danamon (2002 – 2008)• Audit Committee Member Maybank (BII) (2008 – 2012)• Audit Committee Member Bank BRI AGRO (2010 – 2015)• Audit Committee Member EXIM Bank (2013 – 2018)• Audit Committee Member CSUL Finance (2015 – 2021)• Audit Committee Member UOB Bank (2018 – 2019)• Audit Committee Member WOM Finance (2014 – 2020)
Pengalaman Kerja | Professional Experience• Regulasi dan Tantangan Globalisasi bagi Profesi Akuntan Manajemen, Ikatan Akuntan Manajemen Indonesia (IAMI)• Empowering Audit Committee: As the Ultimate Guardian of Investors Interests and Corporate Accountability, Ikatan Komite
Audit Indonesia (IKAI)• Kepatuhan Pajak di Era Transparansi dan Konsekuensi Hukumnya, Lembaga Komisaris dan Direktur Indonesia (LKDI)• Efektifitas Oversight Dewan Komisaris dan Komite Audit: Pembelajaran dari PT. SNP Finance, Ikatan Komite Audit Indonesia
(IKAI)• Regulations and Challenges of Globalization for the Management Accountant Profession, Indonesian Management Accountant
Association (IAMI)• Empowering Audit Committee: As the Ultimate Guardian of Investors Interests and Corporate Accountability, Indonesian Audit
Committee Association (IKAI)• Taxes Compliance in Transparency Era and Its Legal Consequences, Indonesian Commissioners and Directors Institution (LKDI)• Oversight Effectiveness of the Board of Commissioners and Audit Committee: Learning from PT SNP Finance, Indonesian Audit
Committee Association (IKAI)
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH276
Pelaksanaan Kegiatan Komite Audit selama Tahun 2019Untuk tahun buku 2019, Komite Audit telah menjalankan fungsinya guna membantu Dewan Komisaris dengan berpedoman pada Piagam Komite Audit Audit Committee Charter, di antaranya:• Melakukan penelaahan atas informasi keuangan yang
akan dikeluarkan Perusahaan kepada publik dan/atau pihak otoritas.
• Memberikan rekomendasi kepada Dewan Komisaris untuk diputuskan oleh RUPS Tahunan mengenai penunjukan Akuntan Publik (AP) yang didasarkan pada independensi, ruang lingkup penugasan dan imbalan jasa. Rekomendasi didasarkan pula pada hasil evaluasi terhadap Pelaksanaan Pemberian Jasa Audit atas Informasi Keuangan Historis Tahunan periode tahun sebelumnya.
• Melakukan pemantauan dan evaluasi atas perencanaan dan pelaksanaan audit serta pemantauan atas tindak lanjut hasil audit, baik audit oleh Satuan Kerja Audit Intern (SKAI) maupun auditor ekstern dan regulator, dalam rangka menilai kecukupan pengendalian intern.
Tugas dan Tanggungjawab Komite Audit
Tugas dan Tanggung jawab Komite Audit ialah sebagai berikut:
• Melakukan penelaahan atas informasi keuangan yang akan diterbitkan Perseroan kepada publik dan/atau pihak otoritas antara lain laporan keuangan, laporan tahunan dan laporan terkait lainnya dengan informasi keuangan Perseroan.
• Melakukan penelaahan atas ketaatan terhadap peraturan perundang-undangan yang berhubungan dengan kegiatan usaha Perseroan termasuk dan tidak terbatas pada peraturan perundang-undangan di bidang pasar modal, dan/atau peraturan terkait tata kelola perusahaan yang baik Good Corporate Governance.
• Mengawasi pelaksanaan audit dan memantau hasil temuan audit yang dilakukan oleh Akuntan Publik (AP) dan/atau Kantor Akuntan Publik (KAP); memastikan AP dan/atau KAP mengkomunikasikan segera hal-hal/temuan-temuan yang signifikan kepada Komite Audit Perseroan untuk disampaikan kepada Dewan Komisaris Perseroan; memastikan manajemen Perseroan melakukan tindak lanjut atas hasil temuan AP dan/atau KAP.
Audit Committee Activity Implementations in 2019In the fiscal year 2019, the Audit Committee has carried out its functions to assist the Board of Commissioners by referring to the Audit Committee Charter, including:
• Reviewing financial information that will be released by the Company to the public and/or authorities.
• Provide recommendations to the Board of Commissioners to be decided by the Annual GMS regarding the appointment of a Public Accountant (AP) based on independence, the scope of assignment and fees. Recommendations are also based on the results of an evaluation of the Implementation of the Audit Services for Annual Historical Financial Information for the previous year period.
• Monitor and evaluate the planning and implementation of audits as well as monitoring the follow up of audit results, both audits by the Internal Audit Unit (IAU) as well as external auditors and regulators, in order to assess the adequacy of internal control.
Audit Committee Duties and ResponsibilitiesAudit Committee’s duties and responsibilities is as follows:
• Conducting a review on financial information that will be issued by the Company to the public and/or regulators, such as financial statements, annual report and other reports related to the Company’s financial information.
• Conducting a review on the Company’s compliance with laws and regulations in relation with the Company’s business activities, including and not limited to the laws and regulations in capital market, and/ or regulations concerning good corporate governance.
• Supervising the implementation of audit and monitoring the audit findings by a Public Accountant (AP) and/or a Public Accounting Firm (KAP); ensuring the AP and/or KAP to immediately communicate the significant findings to the Company’s Audit Committee to be submitted to the Company’s Board of Commissioners; ensuring the management of the Company to conduct follow up on the findings of AP and/or KAP.
Komite AuditAudit Committee
Horizon of GrowtH 277PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Komite AuditAudit Committee
• Memberikan pendapat independen dalam hal terjadinya perbedaan pendapat antara manajemen Perseroan dengan AP dan/atau KAP atas jasa yang diberikan.
• Memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai penunjukkan AP dan/atau KAP yang akan memberikan jasa audit atas informasi keuangan historis tahunan berdasarkan independensi, ruang lingkup dan honorarium/imbal jasa.
• Melakukan evaluasi terhadap pelaksanaan pemberian jasa audit atas informasi keuangan historis tahunan oleh AP dan/atau KAP dan menyusun serta menyampaikan laporan evaluasi tersebut kepada Dewan Komisaris Perseroan dengan tembusan kepada Direksi Perseroan.
• Melakukan penelaahan atas pelaksanaan pemeriksaan oleh Audit Internal Perseroan dan mengawasi pelaksanaan tindak lanjut oleh Direksi Perseroan atas temuan Audit Internal.
• Menelaah pengaduan yang berkaitan dengan proses akuntansi dan pelaporan keuangan.
• Menelaah dan memberikan saran kepada Dewan Komisaris terkait adanya potensi benturan kepentingan.
• Memberikan rekomendasi kepada Dewan Komisaris atas pengangkatan, dan/atau penggantian, dan/atau pemberhentian Kepala Unit Audit Internal Perseroan.
• Mengevaluasi dan menyampaikan hasil evaluasi atas Piagam Audit Internal Perseroan kepada Dewan Komisaris Perseroan sebelum disetujui oleh Dewan Komisaris Perseroan.
• Melakukan evaluasi rencana kerja tahunan unit audit internal.
• Memastikan efektivitas sistem pengendalian internal.• Memastikan manajemen Perseroan menciptakan
budaya kerja yang mendorong setiap karyawan mematuhi kode etik Perseroan.
• Menjaga kerahasiaan dokumen, data dan informasi Perusahaan.
• Melakukan tugas khusus dari Dewan Komisaris Perseroan yang disampaikan dalam bentuk tertulis sepanjang tugas tersebut tidak bertentangan dengan peraturan perundang- undangan yang berlaku dan dalam rangka membantu tugas dan fungsi Dewan Komisaris Perseroan dalam melakukan pengawasan sesuai dengan ketentuan Anggaran Dasar Perseroan dan peraturan perundangundangan yang berlaku.
• Providing independent opinions in the event of dissenting opinions between the Management and the AP and/or KAP for the services provided.
• Providing the Board of Commissioners with recommendations on the appointment of a Public Accountant Firm that will provide audit service on annual financial information based on independence, scope and honorarium/rewards.
• Conducting evaluation on the implementation of audit service on annual financial information by the AP and/or KAP and preparing and submitting a report on the evaluation to the Board of Commissioners with a copy to the Board of Directors of the Company.
• Reviewing the audit performed by the Company’s internal auditor as well as monitoring the follow-up conducted by the Board of Directors on the internal audit findings.
• Reviewing complaints related to the accounting process and financial reporting.
• Reviewing and providing advice on potential conflict of interests for the Board of Commissioners.
• Providing recommendations to the Board of Commissioners concerning appointment, and/ or replacement, and/or dismissal of Chairman of Internal Audit of the Company.
• Evaluating and submitting the evaluation on the Internal Audit Charter to the Company’s Board of Commissioners before being approved by the Board of Commissioners.
• Conducting evaluation on the annual work plan of the internal audit unit.
• Ensuring the effectiveness of internal control system• Ensuring the Company’s management to build work
culture, which encourages all employees to implement the Company’s code of conduct.
• Ensuring the confidentiality of the Company’s documents, data and information.
• Performing the specific duties of the Board of Commissioners of the Company submitted in writing as long as the duties are not contradictory to the prevailing laws and regulations and with the aim to assist the duties and functions of the Board of Commissioners of the Company in conducting supervision in accordance with provision of the Articles of Association of the Company and the prevailing laws and regulations.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH278
Komite AuditAudit Committee
WewenangDalam menjalankan tugas dan tanggungjawabnya, Komite Audit Perseroan mempunyai wewenang sebagai berikut:• Mengakses dokumen, data dan informasi Perseroan
tentang karyawan, dana, aset dan sumber daya Perseroan yang diperlukan terkait dengan pelaksanaan tugasnya.
• Berkomunikasi langsung dengan karyawan Perseroan, termasuk Direksi Perseroan dan unit Audit Internal Perseroan, fungsi yang menjalankan manajemen risiko dan AP dan/atau KAP yang memberikan jasa kepada Perseroan dalam rangka menjalankan tugas dan tanggung jawab Komite Audit Perseroan.
• Komite Audit Perseroan dapat melibatkan pihak independen di luar anggota Komite Audit Perseroan untuk membantu pelaksanaan tugasnya (jika diperlukan) dengan persetujuan Dewan Komisaris Perseroan.
• Melakukan kewenangan lain yang diberikan oleh Dewan Komisaris Perseroan.
Frekuensi dan Kehadiran dalam RapatKomite Audit mengadakan rapat secara berkala sedikitnya paling kurang 1 (satu) kali dalam 3 (tiga) bulan. Rapat Komite Audit hanya dapat dilaksanakan apabila dihadiri oleh lebih dari 1/2 (satu per dua) jumlah anggota. Keputusan rapat Komite Audit diambil berdasarkan musyawarah untuk mufakat. Pelaksanaan rapat Komite Audit dituangkan dalam risalah rapat, termasuk apabila terdapat perbedaan pendapat dissenting opinions, yang ditandatangani oleh Komite Audit yang hadir dan disampaikan kepada Dewan Komisaris dan seluruh anggota Komite Audit Perseroan.
Sepanjang 2019, Komite Audit menyelenggarakan 11 (sebelas) kali rapat dengan tingkat kehadiran sebagai berikut:
NamaName
Jumlah RapatNumber of Meetings
Jumlah KehadiranAttendance
% Kehadiran% Attendance
Myrnie Zachraini Tamin 11 11 100%
Setiawan Kriswanto 11 7 63,6%
Patricia Marina Sugondo 11 11 100%
AuthoritiesIn performing its duties and responsibilities, the Company’s Audit Committee has the following authorities:• Accessing documents, data and information of the
Company concerning employees, funds, assets and the Company’s resources, which are required in the duties implementation.
• Directly communicating with the Company’s employees, including the Board of Directors and Internal Audit Unit, performing the management of risk and the AP and KAP Firm which provides services to the Company in performing the Audit Committee’s duties and responsibilities.
• The Audit Committee is allowed to appoint an independent party outside members of the Audit Committee to assist the duties implementation (if necessary) under the approval from the Board of Commissioners.
• Performing other authorities granted by the Board of Commissioners.
Meeting Frequency and Attendance The Audit Committee shall hold meetings regularly, at the minimum 1 (one) time in 3 (three) months. The meeting can only be held if it is attended by more than 1/2 (one-two) of the members. The decision of the Audit Committee’s meeting shall be made by consensus. The implementation of the Audit Committee’s meeting is recorded in a minute, including in the event of dissenting opinions, signed by all members of the Audit Committee present in the meeting and submitted to the Board of Commissioners and all members of the Audit Committee.
Throughout 2019, the Audit Committee held 11 (eleven) meetings with the following attendance:
Horizon of GrowtH 279PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Komite Nominasi & Remunerasi
Nomination & Remuneration Committee
Komite Nominasi dan Remunerasi memiliki peran melakukan kajian serta rekomendasi mengenai kebijakan dan besaran remunerasi anggota Direksi dan anggota Dewan Komisaris, serta kesesuaiannya dengan penerapan praktik Good Corporate Governance. Komite ini bertanggungjawab secara langsung kepada Dewan Komisaris.
Anggota Komite Nominasi dan Remunerasi
Komite Nominasi dan Remunerasi beranggotakan 3 (tiga) orang, 1 (satu) orang diantaranya adalah Komisaris Independen yang bertindak selaku Ketua.
NamaName
Jabatan dalm KomitePosition in the Committee
Jabatan StrukturalStructural Position
Myrnie Zachraini Tamin KetuaChairman
Komisaris independenIndependent Commissioner
Robbyanto Budiman Wakil KetuaVice Chairman
Wakil Presiden KomisarisVice President Commissioner
Ekanto Wijonosunu Anggota & SekretarisMember & Secretary
Chief Human Capital Officer
The Nomination and Remuneration Committee has a role to review and provide recommendation on the Remuneration policy and amount for members of the Board of Directors and members of the Board of Commissioners, as well as its appropriateness with the Good Corporate Governance practices. This Committee is directly responsible to the Board of Commissioners.
Nomination and Remuneration Committee MembersThe Nomination and Remuneration Committee membership consists of 3 (three) members, one member is an Independent Commissioner that serves as Chairman.
Tugas dan Tanggungjawab Komite Nominasi dan RemunerasiTugas serta tanggungjawab Komite Nominasi dan Remunerasi antara lain sebagai berikut:Terkait dengan fungsi nominasi:a. Menyusun dan memberikan rekomendasi kepada
Dewan Komisaris Perseroan mengenai kebijakan, kriteria serta prosedur pemilihan dan atau penggantian anggota Dewan Komisaris Perseroan dan anggota Direksi Perseroan untuk disampaikan kepada Rapat Umum Pemegang Saham Perseroan.
Nomination and Remuneration Committee Duties and ResponsibilitiesThe Nomination and Remuneration Committee duties and responsibilities are as follows:Related to Nomination Function:a. Develop and provide recommendation to the
Company’s Board of Commissioners regarding policy, criteria and procedures of appointment and/or replacement of members of the Company’s Board of Commissioners and members of the Company’s Board of Directors to be submitted to the General Meeting of Shareholders.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH280
b. Menyusun dan memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai kebijakan suksesi atas nominasi anggota Direksi Perseroan yang bertujuan untuk menjaga kesinambungan proses regenerasi kepemimpinan di Perseroan dalam rangka mempertahankan keberlanjutan bisnis dan tujuan jangka panjang Perseroan.
c. Mengevaluasi dan memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai:• Komposisi jabatan anggota Direksi dan/atau
anggota Dewan Komisaris.• Kebijakan evaluasi kinerja bagi anggota Direksi
Perseroan dan atau anggota Dewan Komisaris Perseroan.
d. Memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai penilaian kinerja anggota Dewan Komisaris Perseroan dan atau Direksi Perseroan, serta membantu Dewan Komisaris dalam melakukan penilaian kinerja anggota Direksi Perseroan dan atau anggota Dewan Komisaris Perseroan berdasarkan tolak ukur yang disusun oleh Komite.
e. Memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai program pengembangan kemampuan Direksi dan atau anggota Dewan Komisaris Perseroan.
f. Memberikan rekomendasi mengenai calon anggota Dewan Komisaris Perseroan dan Direksi Perseroan yang memenuhi syarat kepada Dewan Komisaris Perseroan untuk disampaikan kepada Rapat Umum Pemegang Saham Perseroan.
g. Hal-hal lain yang ditugaskan oleh Dewan Komisaris Perseroan terkait fungsi nominasi Perseroan.
b. Develop and provide recommendation to the Company’s Board of Commissioners regarding succession policy of the Company’s Board of Directors members’ nomination, which is aimed to maintain the continuity of leadership regeneration process in the Company in order to maintain business sustainability and longterm objectives of the Company.
c. Evaluate and provide recommendation to the Company’s Board of Commissioners regarding:• Composition of the Board of Directors and/or the
Board of Commissioners.• Performance evaluation for the Company’s Board
of Directors and/or Board of Commissioners.
d. Provide recommendation to the Company’s Board of Commissioners on the performance assessment of the Company’s Board of Directors, as well as assisting the Board of Commissioners in conducting performance assessment for members of the Company’s Board of Directors and/or members of the Company’s Board of Commissioners based on the benchmark defined by the Committee.
e. Provide recommendation to the Company’s Board of Commissioners regarding the competence development of the Board of Directors and/or the Board of Commissioners.
f. Provide recommendation regarding the candidates’ members of the Company’s Board of Commissioners and Board of Directors that fulfill the requirements to the Company’s Board of Commissioners to be submitted to the General Meeting of Shareholders of the Company.
g. Other duties delegated by the Company’s Board of Commissioners in relation to nomination function of the Company.
Horizon of GrowtH 281PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Komite Nominasi & RemunerasiNomination & Remuneration Committee
Terkait dengan fungsi remunerasi:a. Menyusun dan memberikan rekomendasi kepada
Dewan Komisaris Perseroan mengenai struktur remunerasi bagi anggota Direksi dan atau anggota Dewan Komisaris Perseroan. Struktur remunerasi yang dimaksud ketentuan ini dapat berupa gaji, honorarium, insentif dan/atau tunjangan bersifat tetap dan variabel.
b. Menyusun dan memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai kebijakan atas remunerasi bagi anggota Direksi dan atau anggota Dewan Komisaris Perseroan.
c. Menyusun dan memberikan rekomendasi kepada Dewan Komisaris Perseroan mengenai besaran atas remunerasi bagi anggota Direksi dan atau anggota Dewan Komisaris Perseroan.
d. Melakukan evaluasi terhadap struktur, kebijakan dan besaran remunerasi Perseroan paling kurang 1 (satu) kali dalam setahun.
e. Hal-hal lain yang ditugaskan oleh Dewan Komisaris Perseroan terkait fungsi nominasi Perseroan.
Perseroan telah memiliki pedoman Komite nominasi dan atau remunerasi yang dituangkan dalam Piagam Komite Nominasi dan Remunerasi yang ditetapkan pada 16 November 2017 oleh Dewan Komisaris Perseroan.
Pelaksanaan Kegiatan Komite Nominasi dan RemunerasiPelaksanaan kegiatan Komite Nominasi dan Remunerasi diantaranya adalah:• Melakukan pembahasan usulan bonus untuk Dewan
Komisaris dan Direksi.• Pembahasan besaran kenaikan gaji tahunan Dewan
Komisaris dan Direksi.• Pembahasan usulan self assessment untuk Dewan
Komisaris,
Related to Remuneration Function:a. Prepare and provide recommendation to the
Company’s Board of Commissioners regarding the remuneration for the Company’s Board of Directors and Board of Commissioners. The remuneration structure defined in this provision can be in the form of fixed and variable salary honorarium, incentive, and/or allowances.
b. Prepare and provide recommendation to the Company’s Board of Commissioners regarding the remuneration policy for the Board of Directors and/or the Board of Commissioners.
c. Prepare and provide recommendation to the Company’s Board of Commissioners regarding the remuneration amount for the Board of Directors and/or the Board of Commissioners of.
d. Perform evaluation for at least once in a year on the remuneration structure, policy and amount that have been set in the Company.
e. Other duties delegated by the Company’s Board of Commissioners in relation to remuneration function of the Company.
The Company has in place the nomination and or remuneration committee guidelines that stated into the Nomination and Remuneration Committee Charter established on November 16, 2017 by the Company’s Board of Commissioners.
Nomination and Remuneration Committee ActivitiesThe Nomination and Remuneration Committee has implemented the following activities:• Discussion on bonus proposal for the Board of
Commissioners and Board of Directors.• Discussion on the increase amount of annual salary of
the Board of Commissioners and Board of Directors.• Discussion on self-assessment proposal for the Board
of Commissioners.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH282
Komite Nominasi & RemunerasiNomination & Remuneration Committee
Frekuensi dan Kehadiran RapatSepanjang tahun 2019, Komite Nominasi dan Remunerasi telah 5 (lima) kali dengan tingkat kehadiran sebagai berikut:
NamaName
Jumlah RapatNumber of Meetings
Jumlah KehadiranAttendance
% Kehadiran% Attendance
Myrnie Zachraini Tamin 5 5 100
Robbyanto Budiman 5 5 100
Ekanto Wijonosunu 5 3 60
Lian Nie* 5 2 40
*Efektif tanggal 23 April 2019, Lian Nie tidak menjabat sebagai anggota dan merangkap Sekretraris Komite Nominasi & Remunerasi di gantikan oleh Ekanto Wijonosunu | Effective from April 23, 2019, Lian Nie does not serve as Member and Secretary of Nomination and Remuneration Committee and was replaced by Ekanto Wijonosunu
Risalah Rapat Komite Nominasi dan Remunerasi
TanggalDate
AgendaAgenda
KehadiranAttendance
% Kehadiran% Attendance
11 Maret 2019March 11, 2019
Besaran bonus performance 2018 WOM Finance | WOM Finance 2018 Performance Bonus Nominal
Myrnie Zachraini TaminRobbyanto BudimanLian Nie *
100
12 Maret 2019March 12, 2019
Besaran & dampak Annual Increase 2018 WOM Finance | WOM Finance 2018 Annual Increase Nominal and Impact
Myrnie Zachraini TaminRobbyanto BudimanLian Nie *
100
5 Juli 2019July 5, 2019
Penetapan Uang Pisah Direksi | Board of Directors Severance Determination
Myrnie Zachraini TaminRobbyanto BudimanEkanto Wijonosunu
100
1 Agustus 2019August 1, 209
Usulan salary dan benefit calon direktur marketing Perseroan | Proposed salary and benefits for the Company’s marketing director candidates
Myrnie Zachraini TaminRobbyanto BudimanEkanto Wijonosunu
100
21 November 2019November 21, 2019
Usulan Pergantian Komite Audit | Proposed Substitution of the Audit Committee
Myrnie Zachraini TaminRobbyanto BudimanEkanto Wijonosunu
100
Meetings Frequency and AttendanceThroughout 2019, the Nomination and Remuneration Committee has convened 5 (five) meetings with the following attendance:
Nomination and Remuneration Committee Meeting Minutes
Horizon of GrowtH 283PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Kebijakan Mengenai Suksesi DireksiDalam rangka regenerasi jabatan-jabatan di internal perusahaan terutama jabatan-jabatan kritikal termasuk Direksi, Perseroan telah melakukan pengelolaan suksesi disetiap level organisasi untuk mempersiapkan sumber daya internal yang siap mengisi kebutuhan organisasi dalam jangka panjang.
Pengaturan mengenai suksesi ini bertujuan untuk memastikan ketepatan penempatan kader yang minimal setara atau lebih baik dari karyawan yang digantikan, mencegah penurunan kapabilitas organisasi atau bahkan krisis sumber daya akibat kehilangan key person tanpa kesiapan pengganti, serta memastikan penguasaan pengetahuan eksklusif individu menjadi pengetahuan organisasi sehingga dapat meningkatkan kemampuan dan kapabilitas Perseroan.
Kriteria untuk menetapkan calon suksesi Direksi adalah hasil penilaian kinerja dan rekomendasi hasil review/assessment kompetensi yang didalamnya termasuk kepemimpinan.
Komite Nominasi & RemunerasiNomination & Remuneration Committee
Board of Directors Succession PolicyFor the regeneration of internal positions in particular the critical positions including the Board of Directors, the Company has undertaken the succession management in every organization level to prepare internal resources that are ready to support the long-term organization requirements.
This succession aims to ensure appropriateness in the candidates placements at least equal or far better than the replaced employees, prevent the declining capability of organization or even resources crises due to the lost of key persons without readiness for replacement, as well as ensuring that individual exclusive knowledge becomes the organization knowledge thereby can enhance the capabilities and ability of the Company.
The criteria to determine the Board of Directors succession candidates are the results of the performance assessment and recommendation from the competencies review/assessment results, which include the leaderships.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH284
Pembentukan Komite Pemantau Risiko oleh Dewan Komisaris bertujuan untuk membantu meningkatkan efektivitas pelaksanaan tugas dan tanggung jawabnya. Pembentukan komite tersebut juga bermanfaat untuk meningkatkan kepercayaan publik terhadap pengelolaan Perseroan. Komite Pemantau Risiko memonitor proses perbaikan yang berkesinambungan atas kebijakan, prosedur dan praktik pada semua tingkatan dalam Perseroan, guna memastikan telah dilakukannya pengelolaan Perseroan dan pengendalian risiko yang baik.
Anggota Komite Pemantau RisikoBerdasarkan Pedoman Komite Pemantau Risiko (Piagam Komite Pemantau Risiko) tanggal 21 Mei 2015, susunan anggota Komite Pemantau Risiko Perseroan adalah sebagai berikut:
Ketua: Presiden KomisarisWakil Ketua: Wakil Presiden KomisarisAnggota: Komisaris, Komisaris lndependen
Independensi Komite Pemantau RisikoBerdasarkan pedoman penerapan pemantau risiko, Komite Pemantau Risiko dipimpin oleh seorang Komisaris dengan Keanggotaan Pemantau Risiko bersifat Tetap dan Tidak Tetap. Anggota Tetap ialah mayoritas Komisaris, yaitu lebih dari 50% dari keseluruhan jumlah anggota Komisaris, yang ditunjuk oleh Presiden Komisaris untuk melaksanakan wewenang dan tanggung jawab secara permanen dalam jangka waktu tertentu.
Keputusan Komite Pemantau RisikoKeputusan yang tertulis dalam risalah rapat disirkulasikan kepada seluruh anggota untuk mendapatkan tambahan yang kemudian dikaji terlebih dahulu pada agenda rapat berikutnya, sebelum kemudian ditandatangani oleh Ketua/Wakil Ketua. Risalah rapat adalah hasil keputusan yang sah untuk kemudian disirkulasikan kepada Direksi dan unit kerja terkait.
Komite Pemantau RisikoRisk Oversight Committee
The establishment of Risk Oversight Committee by the Board of Commissioners aims to support the effectiveness of its duties and responsibilities implementation. The establishment is also beneficial to improve public trust on the management of the Company. This Committee monitors the continuous improvement on policies, procedures and practices on all levels within the Company, in order to ensure the implementation of good Company management and appropriate risk control.
Risk Oversight Committee MembersBased on the Risk Oversight Committee Guidelines (Risk Oversight Committee Charter) dated May 21, 2015, the composition of Risk Oversight Committee members is as follows:
Chairman: President CommissionerVice Chairman: Vice President CommissionerMember: Commissioner, Independent Commissioner
Risk Oversight Committee IndependencyBased on the risk monitoring implementation guidelines, the Risk Oversight Committee is chaired by a Commissioner with Permanent and Temporary Membership. The Permanent Members are the majority of the Board of Commissioners, comprising 50% of the total members, appointed by the President Commissioner to continuously perform the authority and responsibility for a certain period of time.
Risk Oversight Committee DecisionsThe decisions written in the minutes of meeting are circulated to all members to obtain additional inputs that will then be reviewed in the next meeting agenda before being signed by the Chairman/Vice Chairman. The minutes of meeting are the records of the lawful decisions that will be circulated to the relevant Board of Directors and units.
Horizon of GrowtH 285PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Komite Pemantau ResikoRisk Oversight Committee
Tugas dan Tanggungjawab Komite Pemantau RisikoTugas dan tanggungjawab Komite Pemantau Risiko meliputi:• Mengevaluasi kebijakan dan strategi terhadap
manajemen risiko dalam profil risiko.• Memantau rencana bisnis perusahaan sebelum
mendapatkan persetujuan Dewan Komisaris.• Memonitor dan mengevaluasi pelaksanaan tugas
Komite Manajemen Risiko.• Memberikan masukan kepada Dewan Komisaris atas
informasi yang didapat dari hasil monitoring tersebut.
Frekuensi dan Kehadiran RapatKomite Pemantau Risiko melakukan rapat rutin minimal 4 (empat) kali dalam setahun dan non-rutin/luar biasa bila diperlukan. Rapat Komite Pemantau Risiko dipimpin oleh Ketua. Dalam hal Ketua berhalangan hadir, maka rapat dipimpin oleh Wakil Ketua.
Pada tahun 2019, Komite Pemantau Risiko telah menyelenggarakan rapat sebanyak 10 (sepuluh) kali. Seluruh Rapat yang dilaksanakan telah dinyatakan sah. Seluruh hasil rapat Komite Pemantau Risiko juga telah dinyatakan dalam risalah rapat dan didokumentasikan dengan baik.
Risk Oversight Committee Duties and ResponsibilitiesDuties and responsibilities of the Risk Oversight Committee include:• Evaluate the risk management policies and strategies
in the risk profile.• Monitoring the Company’s business plan prior to the
Board of Commissioners’ approval.• Monitoring and evaluate the implementation of the
Risk Management Committee.• Provide the Board of Commissioners with inputs on
the information acquired from the monitoring results.
Meeting Frequency and AttendanceThe Risk Oversight Committee holds at least 4 (four) regular meetings in a year and non-regular/extraordinary meetings if deemed necessary. A Chairman leads the meeting of Risk Oversight Committee. If the Chairman is absent, the Vice Chairman will lead the meeting.
In 2019, the Risk Oversight Committee has convened 10 (ten) meetings. All of the meetings were declared valid. All of the Risk Oversight Committee meeting results have been recorded in the minutes and well documented.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH286
KOMITE MANAJEMEN RISIKOKegiatan bisnis Perseroan memiliki risiko tinggi yang jika tidak dikelola dengan efektif akan menimbulkan masalah di kemudian hari. Dalam rangka mengurangi potensi risiko yang mungkin timbul, Direksi telah membentuk Komite Manajemen Risiko (Risk Management Committee/RMC) yang berfungsi untuk memfasilitasi aktifitas pemantauan serta mengevaluasi sistem manajemen risiko Perseroan secara berkelanjutan. Dalam hal ini, RMC juga berperan dalam memastikan ketepatan tanggapan manajemen terhadap temuan dan rekomendasi dari auditor internal, auditor eksternal serta regulator beserta tingkat efektifitas dari tindak lanjut terhadap temuan.
Struktur dan Keanggotaan Komite Manajemen RisikoBerdasarkan pedoman Komite Manajemen Risiko (RMC Charter) tanggal 21 Mei 2015, susunan anggota Komite Manajemen Risiko Perseroan adalah sebagai berikut:
Struktur / StructuresKetuaChairman
Presiden DirekturPresident Director
Wakil KetuaVice Chairman
Direktur Manajemen RisikoRisk Management Director
Anggota dengan Hak SuaraMembers with voting rights
DireksiBoard of Directors
Anggota Tanpa Hak SuaraMembers without voting rights
Perwakilan dari Direktorat Risiko PT Bank Maybank Indonesia Tbk (MBI) Semua Pimpinan SatuTingkat di bawah Dewan DireksiRepresentative from the Risk Directorate of PT Bank Maybank Indonesia Tbk (MBI) All Leaders are a Level below the Board of Directors
SekretarisSecretary
Departemen Enterprise Risk ManagementEnterprise Risk Management Department
Komite DireksiBoard of Director’s Committee
RISK MANAGEMENT COMMITTEEThe Company’s business activities have potential high risk that may arise. To prevent this, the Board of Directors has established the Risk Management Committee (RMC) that has the functions to facilitate monitoring activities and evaluate the Company’s risk management system in a sustainable manner. As such, the RMC also plays a role in ensuring the accuracy of management’s response towards the findings and recommendations of internal auditor, external auditor and regulators, as well as the level of effectiveness in following up the findings.
Risk Management Committee Structure and MembershipBased on the Risk Management Committee Guidelines (RMC Charter) dated May 21, 2015, the composition of RMC members is as follows:
Risk Management Committee DecisionsThe RMC’s decisions are made in the Meetings. The decisions shall be taken by deliberations for consensus. Points regarding the decisions made by RMC are written in the minutes that will be circulated to all members to obtain additional input. Points that have been adjusted to the additional input will be reviewed in the next meeting agenda. The Chairman/ Vice Chairman will then sign the Final Minutes. The meeting minutes are the records of the lawful decisions that will be circulated to the relevant Board of Directors and units. The decision is lawful and binding all members, regardless of whether they attend the meeting or not. Whenever it is necessary, the RMC’s decisions can be followed up by a Policy Letter and/or Memorandum made by the responsible unit.
Keputusan Komite Manajemen RisikoKeputusan RMC diambil melalui Rapat. Keputusan diambil melalui mekanisme musyawarah mufakat. Poin-poin keputusan yang diambil oleh RMC tertulis dalam risalah rapat yang kemudian disirkulasikan kepada seluruh anggota untuk mendapatkan masukan tambahan. Poin-poin putusan yang sudah disesuaikan dengan masukan tambahan kemudian dikaji terlebih dahulu pada agenda rapat berikutnya. Risalah Rapat final kemudian sebelum ditanda-tangani oleh Ketua/ Wakil Ketua. Risalah rapat adalah hasil keputusan yang sah untuk kemudian disirkulasikan kepada Direksi dan unit kerja terkait. Keputusan bersifat sah dan mengikat semua anggota baik yang hadir maupun yang tidak hadir. Apabila diperlukan maka keputusan RMC dapat ditindaklanjuti dengan Surat Kebijakan dan/atau Memorandum oleh unit kerja yang bertanggung jawab.
Horizon of GrowtH 287PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Komite DireksiBoard of Director’s Committee
Tugas dan Tanggungjawab Komite Manajemen RisikoAdapun tugas dan tanggungjawab Komite Manajemen Risiko meliputi:• Menyetujui kebijakan manajemen risiko dan
perubahan-perubahannya, termasuk strategi kerangka kerja, metodologi dan tools pengelolaan risiko, termasuk rencana-rencana kerja, serta memastikan penerapannya;
• Menyetujui tindakan strategis yang timbul dari peraturan eksternal yang berdampak terhadap praktik manajemen risiko;
• Menyetujui langkah-langkah perbaikan untuk masalah risiko yang menjadi perhatian Otoritas Jasa Keuangan (OJK);
• Menyetujui produk pembiayaan baru dan layanannya;
• Melakukan kajian terhadap risiko Perseroan secara keseluruhan, termasuk eksposur atas kredit secara berkala, dan memastikan bahwa eksposur dikelola dengan baik;
• Menetapkan koreksi atau ratifikasi atas keputusan bisnis yang menyimpang dari prosedur normal;
• Membangun budaya manajemen risiko pada seluruh tingkat organisasi.
Frekuensi dan Kehadiran RapatSesuai ketentuannya, RMC melakukan rapat rutin minimal 4 (empat) kali dalam setahun dan non-rutin/luar biasa bila diperlukan. Rapat ini dipimpin oleh Ketua. Dalam hal Ketua berhalangan hadir, maka rapat dipimpin oleh Wakil Ketua.
Pada tahun 2018, Komite Manajemen Risiko telah menyelenggarakan rapat sebanyak 10 (sepuluh) kali. Seluruh Rapat yang dilaksanakan telah dinyatakan sah. Seluruh hasil rapat RMC juga telah dinyatakan dalam risalah rapat dan didokumentasikan dengan baik.
Penilaian Kinerja Komite Manajemen Risiko 2019
1. Prosedur pelaksanaan penilaian kinerjaa. Masing-masing kriteria memiliki score dari 1 s/d 5b. Pilih score untuk masing-masing kriteria sesuai
dengan kondisi Perseroanc. Score akhir merupakan rata-rata dari kriteria yang
dilakukan penilaian.d. Berikut ini indikator penilaian akhir.
Risk Management Committee Duties and ResponsibilitiesThe duties and responsibilities of the Risk Management Committee include as follows:• Approve the risk management policies and the
amendments thereof, including the risk framework strategy, methodology and management tools, including the work plans, and ensuring their implementation;
• Approve the strategic actions arising from external regulations which affect risk management practices;
• Approve the measures taken to solve riskrelated issues that become the concern of the Financial Services Authority (OJK);
• Approve new financing products along with their services;
• Regularly assessing the Company’s risks in general, including exposure to credit periodically, and ensuring that such exposure is managed properly;
• Determine the correction or ratification on business decisions deviating from the normal procedures;
• Foster risk management culture on all levels of the organization.
Meeting Frequency and AttendanceIn accordance with the provision, the RMC holds a regular meeting at least 4 (four) times in a year and non-regular/extraordinary meetings whenever necessary. A Chairman leads the meeting. If the Chairman is absent, Vice Chairman will lead the meeting.
In 2018, the Risk Management Committee has convened 10 (ten) meetings. All of the meetings were declared valid. All of the RMC’s meeting results have been recorded in the minutes and well documented.
Risk Management Committee Performance Assessment 2019
1. Performance assessment proceduresa. Each criterion has a score from 1 to 5b. Choose a score for each criterion according to
Company conditionsc. The final score is the average of the criteria to be
assessed.d. The following are the final assessment indicators.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH288
Score | Nilai Indikator Penilaian | Assessment Indicators
1 Sangat Buruk | Very Poor
2 Buruk | Poor
3 Cukup Baik | Sufficient
4 Baik | Good
5 Sangat Baik | Very Good
2. Kriteria yang digunakan dalam penilaian kinerjaa. Pelaksanaan rapat Komite Manajemen Risiko
b. Tingkat kehadiran anggota komite manajemen risiko.
c. Pelaksanaan penyampaian laporan kerja komite manajemen risiko.
d. Pelaksanaan Matters Arising.e. Dokumentasi laporan kerja komite manajemen
risiko.
KriteriaCriteria
Score PenilaianAssessment1 2 3 4 5
Pelaksanaan Rapat KomiteCommittee Meeting
1 kali dalam setahun1 times a year
2 kali dalam setahun2 times a year
4 kali dalam setahun4 times a year
6 kali dalam setahun6 times a year
8 kali dalam setahun8 times a year
5
Tingkat Kehadiran Anggota KomiteCommittee Member Attendance
Rapat tidak dihadiri oleh Ketua dan wakil ketua komiteMeeting unattended by Committee Chairman and Vice-Chairman
Ketua dan Wakil Ketua hadir 2 kali dalam setahunChairman and Vice-Chairman attended 2 times in a year
Ketua dan Wakil Ketua hadir 4 kali dalam setahunChairman and Vice-Chairman attended 4 times in a year
Ketua dan Wakil Ketua hadir 6 kali dalam setahunChairman and Vice-Chairman attended 6 times in a year
Ketua dan Wakil Ketua hadir 8 kali dalam setahunChairman and Vice-Chairman attended 8 times in a year
5
Pelaksanaan Penyampaian Laporan KerjaWork Report Submission
Laporan kerja disampaikan tidak tepat waktuWork report not submitted in time
Laporan kerja disampaikan tepat tepat waktuWork report submitted in time
5
Matters Arising
Matters Arising tidak dijalankanMatters Arising not implemented
Matters Arising dijalankan sebagianMatters arising partially implemented
Seluruh Matters Arising dijalankanMatters Arising completely implemented
5
Dokumentasi Laporan KerjaWork Report Documentation
Laporan Kerja tidak terdokumentasikanWork report not documented
Laporan Kerja terdokumentasikanWork report documented
5
2. Criteria used in performance appraisala. The holding of Risk Management Committee
meetings.b. The Risk Management Committee attendance
level.c. The Risk Management Committee Work Report
submission.d. Implementation of Arising Matters.e. The Risk Management Committee Work Report
documentation.
Komite DireksiBoard of Director’s Committee
Horizon of GrowtH 289PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
KriteriaCriteria
Score PenilaianAssessment1 2 3 4 5
Rata-rata soreAverage Score
5
3. Pihak yang melakukan penilaian Direksi WOM Finance 3. Parties conducting the assessment WOM Finance Board of Directors
Komite DireksiBoard of Director’s Committee
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH290
Pengendalian internal yang efektif dan efisien diperlukan untuk memberikan keyakinan bahwa kegiatan usaha dijalankan sesuai dengan sasaran dan strategi bisnis. Sehubungan dengan hal tersebut dibentuk Internal Audit yang merupakan salah satu organ pendukung Tata Kelola Perusahaan yang ikut berperan aktif dalam membangun sistem pengendalian internal Perusahaan dan memastikan bahwa pengendalian internal tersebut berfungsi dengan baik dengan memperhatikan Piagam Audit Internal yang disusun oleh Perusahaan sesuai peraturan OJK.
Profil Kepala Audit Internal
Kepala Audit Internal dijabat oleh Ignatius Prasetya. Beliau menyelesaikan pendidikan Akuntansi dari STIE Perbanas, 2002. Sebelum bergabung dengan Perseroan, beliau menjabat sebagai Internal Audit Officer di PT BFI Finance Indonesia Tbk (2006 – 2009), Area Operation Manager di PT Bima Multi Finance (2009 – 2014), Internal Audit Div Head di PT Bima Multi Finance (2014 – 2017), dan Procedure & Sys Dev Sub Div Head di PT WOM Finance (2017 – 2019).
SDM Audit InternalPer 31 Desember 2019, Jumlah pegawai Internal Auditor sebanyak 33 (tiga puluh tiga), yang meliputi 1 (satu) Kepala Divisi, 5 (lima) Kepala Departemen, 9 (sembilan) Specialist, 7 (tujuh) Section Head, 10 (sepuluh) Officer dan 1 (satu) Staff.
Sertifikasi sebagai profesi audit internalBelum ada yang mempunyai sertifikat profesi profesional internal audit.
Struktur Divisi Audit InternalDivisi Audit Internal dipimpin oleh Internal Audit Division Head yang bertanggung jawab kepada Presiden Direktur dan secara fungsional berhubungan dengan Komite Audit. Direksi bertanggung jawab dalam merancang sistem Audit Internal untuk proses pelaporan internal, mencakup seluruh prosedur operasi standar Perseroan dan jalur pelaporan. Dalam pelaksanaannya, Direksi dibantu oleh Divisi Audit Internal, yang menjalankan fungsi independen serta memberikan laporan langsung kepada Presiden Direktur dan Dewan Komisaris melalui Komite Audit.
Pihak yang mengangkat dan memberhentikan Ketua Unit Audit Internal adalah Presiden Direktur dan disetujui oleh Dewan Komisaris dengan berdasarkan rekomendasi dari Komite Audit.
Unit Audit InternalInternal Audit Unit
The effective and efficient internal control is required to ensure that the business activities are performed in accordance with the business objectives and strategy. As such, the Company established the Internal Audit, as one of the supporting pillars of the Company’s Corporate Governance. The Internal Audit takes an active role in building the Company’s internal control system and ensuring that the system is functioning well by taking into account the Internal Audit Charter developed by the Company according to the OJK regulations.
Profile of the Head of Internal Audit
The Head of Internal Audit is held by Ignatius Prasetya. He completed Accounting education from STIE Perbanas, 2002. Prior to joining the Company, he served as Internal Audit Officer at PT BFI Finance Indonesia Tbk (2006 - 2009), Area Operation Manager at PT Bima Multi Finance (2009-2014), Internal Audit Div Head at PT Bima Multi Finance (2014 - 2017), and Procedure & Sys Dev Sub Div Head at PT WOM Finance (2017 - 2019).
Internal Audit HRAs of 31 December 2019, the employees in the Internal Audit Division consist of 33 (thirty three) staffs that include 1 (one) Division head, 5 (five) Department heads, 9 (nine) Specialist, 7 (seven) Section Head, 10 (ten) Officer and 1 (one) Staff.
Certification as an internal audit professionNone have professional internal audit professional certificates.
Internal Audit Division StructureThe Internal Audit Division is led by an Internal Audit Division Head responsible to the President Director and has functional relations with the Audit Committee. The Board of Directors is responsible for designing an Internal Audit system for internal reporting process that includes the Company’s standard operational procedures and the reporting channels. During the implementation, the Board of Directors is assisted by the Internal Audit Division that performs independent function and reports directly to the President Director and the Board of Commissioners through the Audit Committee.
The party who appoints and dismisses the Head of the Internal Audit Unit is the President Director and is approved by the Board of Commissioners based on recommendations from the Audit Committee.
Horizon of GrowtH 291PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Tugas dan Tanggung JawabTugas Audit Internal secara umum adalah mendukung Direksi dalam melaksanakan kegiatan pengawasan internal terhadap seluru kegiatan operasional Perseroan. Divisi Audit Internal berfungsi sebagai “business partner” dan konsultan bagi Direksi dalam melakukan tinjauan dan evaluasi terhadap proses pengendalian internal dan pengelolaan risiko atas kegiatan operasional Perseroan, guna tercapainya tujuan Perseroan dan GCG.
Tugas dan Tanggung jawab Divisi Audit Internal:• Menyusun strategi dan rencana kerja Internal Audit
dengan pendekatan risiko (risk based approach) yang memadai. Rencana ini harus konsisten dengan Piagam Internal Audit dan tujuan bisnis Perseroan, serta disetujui oleh Presiden Direktur dan Komite Audit dan dilaporkan kepada Dewan Komisaris.
• Mengimplementasikan rencana kerja yang telah mendapat persetujuan, termasuk penugasan audit khusus atas permintaan Presiden Direktur maupun Dewan Komisaris melalui Komite Audit.
• Membuat analisis, melakukan pemeriksaan, serta penilaian atas efisiensi dan efektivitas dibidang keuangan, operasional, sumber daya manusia, pemasaran, teknologi informasi dan kegiatan lain. Hal tersebut dilakukan melalui pemeriksaan langsung on-site audit, pengawasan secara tidak langsung, dan pemeriksaan berkelanjutan continous audit, guna mencapai misi, tujuan, dan strategi yang telah ditetapkan.
• Melakukan dan memberikan kontribusi untuk peningkatan pengendalian yang efektif dengan melakukan tinjauan dan evaluasi terhadap pengendalian internal pada semua unit kegiatan di lingkungan Perseroan.
• Memberikan saran perbaikan dan informasi yang objektif tentang kegiatan yang diperiksa pada semua tingkatan manajemen dalam rangka penyempurnaan sistem, prosedur, anggaran, dan kebijakan.
• Membuat laporan hasil audit serta menyampaikannya kepada Presiden Direktur dan Dewan Komisaris melalui Komite Audit.
• Memantau, menganalisis dan melaporkan pelaksanaan tindak lanjut perbaikan yang telah direkomendasikan.
• Menyusun rencana sumber daya manusia Internal Audit man power planning dan memelihara profesionalisme Internal Audit dengan pengetahuan, keterampilan, pengalaman serta program sertifikasi yang memadai, melalui pendidikan yang berkesinambungan dan keterlibatan dalam kegiatan organisasi profesi.
Unit Audit InternalInternal Audit Unit
Duties and ResponsibilitiesIn general, the Internal Audit’s duty is to support the Board of Directors in performing internal monitoring activities within all of the Company’s operational activities. This Division serves as a business partner and consultant for the Board of Directors in reviewing and evaluating internal control process as well the risk management of all the Company’s operational activities, in order to achieving the Company’s objectives and GCG.
Duties and Responsibilities of Internal Audit Division:• Develop the Internal Audit strategies and work plans
with adequate risk-based approach. The plan has to be consistent with the Internal Audit Charter and the Company’s business objectives, approved by the President Director and the Audit Committee, and reported to the Board of Commissioners.
• Implement the work plan that has been approved, including the assignment of specific audit based on the request of both the President Director and the Board of Commissioners through the Audit Committee.
• Develop analysis and audit, as well as assessment on the efficiency and effectiveness of finance, operations, human resources, marketing, information technology and other activities. The aforementioned are performed through on-site audit, indirect monitoring (off-site audit) and continuous audit so as to achieve the missions, goals and strategies that have been set.
• Perform and contribute to the improvement of an effective control by reviewing and evaluating the internal control in all activity units within the Company.
• Provide improvement-related suggestions and objective information on audited activities in all levels of management to refine the system, procedure, budget and policy.
• Develop report on audit results and submit to the President Director and the Board of Commissioners through the Audit Committee.
• Monitoring, analyze and report the follow up implementation of the recommended improvements.
• Develop the Internal Audit’s manpower planning and maintain its professionalism by employing knowledge, skills, experiences and adequate certification program through continuous education and involvement in the activities of professional organizations.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH292
• Membantu pemantauan penerapan Tata Kelola Perusahaan yang Baik good corporate governance, efektivitas manajemen risiko, dan implementasi kode etik.
• Menyusun dan memperbarui pedoman, sistem, dan prosedur kerja Internal Audit secara berkala.
• Melakukan evaluasi secara berkesinambungan atas mutu kegiatan audit quality assurance yang dilakukan melalui supervise terhadap pekerjaan Internal Auditor dan mewajibkan Internal Auditor untuk meninjau kualitas pekerjaan yang dihasilkan serta memperhatikan penilaian mutu kegiatan audit yang dilakukan oleh pihak eksternal.
Pelaksanaan Kegiatan Tahun 2019Selama periode tahun 2019, komite audit telah menghadiri rapat sebanyak 11 (sebelas) kali.
Internal Audit telah melaksanakan kegiatan assurance terhadap unit bisnis Perseroan sebanyak 122 (seratus dua puluh dua) kali pemeriksaan terdiri dari:
No Kategori | Category Jumlah | Number1 Cabang / Branches 68 Pemeriksaan / Audit
2 Gudang / Warehouses 29 Pemeriksaan / Audit
3 Khazanah 3 Pemeriksaan / Audit
4 Kantor Pusat / Head Office 11 Pemeriksaan / Audit
5 Teknologi Informasi / Information Technology 2 Pemeriksaan / Audit
6 Special Audit 9 Pemeriksaan / Audit
• Assist the monitoring of the implementation of the Good Corporate Governance, risk management effectiveness and code of conduct.
• Regularly develop and update the Internal Audit’s working guidelines, systems and procedures.
• Continuous evaluation on the quality assurance performed by supervising the works of the Internal Auditor and requiring the Auditors to review the quality of their works and duly observe the assessment on the audit quality assurance performed by external parties.
Activity Implementation in 2019During the 2019 period, the audit committee attended 11 (eleven) meetings.
The Internal Audit has implemented 122 (one hundred and twenty two) audits assurance activity on the Company’s business units, which consisted of:
Unit Audit InternalInternal Audit Unit
Horizon of GrowtH 293PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Sistem Pengendalian Internal merupakan suatu mekanisme proses pengawasan yang ditetapkan oleh Manajemen Perseroan secara berkesinambungan on going basis yang kualitas desain dan pelaksanaannya dipengaruhi oleh Dewan Komisaris, Direksi, serta seluruh pejabat dan pegawai Perseroan.
Sistem Pengendalian Internal dirancang untuk mampu memberikan keyakinan yang memadai guna menjaga dan mengamankan harta kekayaan Perseroan, menjamin tersedianya laporan yang akurat, meningkatkan kepatuhan terhadap ketentuan yang berlaku, mengurangi dampak kerugian keuangan, penyimpangan termasuk kecurangan fraud dan pelanggaran aspek kehati-hatian, serta meningkatkan efektivitas organisasi dan meningkatkan efisiensi biaya.
Sistem Pengendalian Internal dengan COSOCOSO (Committee of Sponsoring Organizations of the Treadway Commission) adalah sebuah Komisi Internasional yang dibentuk untuk mengindentifikasi faktor-faktor yang menyebabkan penggelapan dan membuat rekomendasi untuk mengurangi kejadian tersebut. COSO menekankan Pengendalian Internal sebagai suatu proses yang merupakan bagian tidak terpisahkan dari aktivitas bisnis entitas yang berkelanjutan (on going business activities). Untuk tujuan pelaporan manajemen kepada publik, COSO framework telah menjadi acuan perusahaan publik sebagai model best practices pengendalian internal. COSO framework memungkinkan perusahaan untuk mengembangkan sistem pengendalian internal yang efektif dan efisien.
COSO dapat memberikan:Cara untuk menerapkan pengendalian internal dalam setiap entitas, tanpa memperhatikan industri atau struktur legal pada setiap tingkatan dari entitas, unit operasi atau fungsi.• Pendekatan prinsip memberikan kemudahan
dan memperkenankan untuk membuat, mengimplementasikan dan melaksanakan pengendalian internal – prinsip dapat diterapkan pada tingkatan entitas, operasi dan fungsi.
• Syarat untuk sistem pengendalian internal yang efektif dengan mempertimbangkan bagaimana komponen dan prinsip tersebut ada dan berfungsi dan bagaimana komponen beroperasi secara bersamaan.
• Cara untuk mengidentifikasi dan menganalisa risiko dan untuk mengembangkan serta mengelola reaksi risiko secara tepat sampai dengan tingkatan yang diterima dan dengan fokus terbaik dalam pengukuran anti-fraud.
Sistem Pengendalian InternalInternal Control System
The Internal Control System is a mechanism of supervision process determined by the Company’s Management on an on-going basis in which the Board of Commissioners, the Board of Directors, and all officers and employees influence the quality of the system’s design and implementation.
The Internal Control System is designed to provide adequate confidence to maintain and secure the Company’s assets, ensure the accurate reports, improve compliance with the applicable provisions, reduce the impacts of financial loss, deviations including fraud, and violation of the aspect of prudence, and improve the organization effectiveness and cost efficiency.
Internal Control System Compatibility with COSOThe COSO (Committee of Sponsoring Organizations of the Treadway Commission) is an International Commission established to identify the factors that cause embezzlement and make recommendation to reduce such a case. The COSO emphasizes the Internal Control as a process inseparable from the on-going business activities. For public management report, COSO framework has become the reference for the public companies as the best practice for internal control. The COSO framework enables the Company to develop an effective and efficient internal control system.
COSO can contribute:Method to implement the internal control in every entity, regardless the industry and legal structure, in every level of entity, operation unit, or function.
• Principle approach, that provides facility and allows creating, implementing, and conducting the internal control – the principles are applicable at the entity, operational, and functional levels.
• Requirements for the effective internal control system by considering the natures of the component and principle and how the component and principle operate simultaneously.
• Method to identify and analyze the risk as well as develop and manage the risk reaction appropriately to an acceptable extent and with the best focus on the anti-fraud measurement.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH294
• Kesempatan untuk mengembangkan penerapan pengendalian internal laporan keuangan dan laporan lainnya untuk mencapai tujuan laporan, operasional dan kepatuhan.
• Kesempatan untuk mengurangi ketidakefektifan, pengulangan atau ketidakefisienan pengendalian yang memberikan nilai minimal dalam mengurangi risiko untuk mencapai tujuan perusahaan.
Dalam mengevaluasi pengendalian internal yang dilaksanakan perusahaan, Divisi Audit Internal menggunakan COSO framework. Framework ini terdiri dari 3 (tiga) dimensi atau kategori tujuan yang memperkenankan perusahaan untuk fokus pada aspek pengendalian internal:1. Operasi – efektif dan efisiensi operasional perusahaan,
termasuk pencapaian kinerja operasional dan keuangan serta keamanan asset dibandingkan dengan kerugian.
2. Laporan Keuangan – Laporan Keuangan dan Non-Keuangan internal dan eksternal meliputi kehandalan, ketepatan waktu, transaparansi, atau syarat lainnya yang ditetapkan oleh regulator, standar yang diakui, maupun kebijakan perusahaan.
3. Kepatuhan – ketaatan terhadap hukum dan peraturan perundang-undangan.
Ketiga dimensi atau kriteria tujuan tersebut memiliki 5 komponen untuk mengevaluasi pengendalian internal perusahaan, yaitu:1. Pengendalian Lingkungan
Hal-hal yang menjadi perhatian audit internal adalah:a. Integritas dan nilai-nilai etika;b. Kompetensi dari orang-orang yang ada di
perusahaan;c. Filosofi perusahaan;d. Pelaksanaan tanggung jawab atas tugas yang
dibebankan;e. Perhatian dan bimbingan yang diberikan oleh
komisi perusahaan;2. Penaksiran Risiko
Beberapa atribut yang menjadi perhatian audit internal adalah:a. Prediksi ataupun penaksiran risiko atas tujuan
yang telah ditetapkan, hubungan-hubungan risiko tersebut kepada bagian-bagian yang ada dalam perusahaan;
b. Identifikasi dan analisis atas risiko yang relevan atas tujuan (objectives) yang telah ditetapkan;
c. Bentuk dasar atas penentuan bagaimana seharusnya penanganan risiko yang ada;
d. Mekanisme yang dibutuhkan untuk mengidentifikasi risiko khusus yang tidak terlepas dari perubahan yang ada;
Sistem Pengendalian InternalInternal Control System
• Opportunity to develop internal control on financial report and the other reports to reach the report, operation, and compliance objectives.
• Opportunity to reduce control ineffectiveness, repetition or inefficiency that contribute minimal value in minimizing the risks to achieve the Company’s objectives.
In evaluating the internal control implemented by the Company, the Internal Audit Division has applied COSO Framework. This framework consists of 3 (three) objective dimensions or categories that allow a company to focus on the internal control aspect, namely:1. Operation – the company’s effectiveness and efficiency,
including the achievement of operational and financial performances and asset security, as compared to loss.
2. Financial Report – Internal and External Financial and Non-Financial Reports which entail reliability, punctuality, transparency, or the other requirements determined by the regulators, acknowledged standards, and Company’s policy.
3. Compliance – compliance with the laws and regulations applicable.
The three objectives dimensions or criteria aforementioned have 5 components to evaluate a company’s internal control, which are:1. Control Environment
The attributes of the internal audit’s concern are:a. Integrity and ethical values;b. Competence of the people within a company;
c. Corporate philosophy;d. Execution of the given tasks and responsibilities;
e. Attention and guidance for the company’s commission;
2. Risk AssessmentThe attributes of the internal audit’s concern are:
a. Risk prediction and assessment of the objectives set and the implications of the risks to the company’s sections.
b. Identification and analysis of the risks relevant with the objectives set;
c. Basic form of the determination on how the risk should be managed;
d. Mechanism required to identify specific risks inherent in the existing changes;
Horizon of GrowtH 295PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
3. Aktivitas PengendalianAtribut yang menjadi perhatian audit internal adalah kebijakan dan prosedur dalam setiap aktivitas perusahaan. Hal ini bertujuan untuk mengidentifikasi risiko-risiko yang akan dihadapi untuk mencapai tujuan yang telah ditetapkan.
4. Informasi dan KomunikasiBeberapa atribut yang menjadi perhatian audit internal adalah:a. Identifikasi informasi yang berhubungan,
rekam dan komunikasikan dalam bentuk yang memungkinkan setiap orang dalam perusahaan untuk menjalankan tanggung jawabnya;
b. Masukkan informasi yang berasal dari dalam dan dari luar perusahaan mengenai suatu kejadian, kondisi yang mungkin dibutuhkan dalam pembuatan keputusan bisnis atau bahkan laporan kepada pihak luar;
c. Aliran informasi yang mendukung kesuksesan pengendalian dari instruksi pada tanggung jawab manajemen sampai kepada perangkuman temuan yang perlu ditindaklanjuti oleh manajemen perusahaan.
5. Pengawasan Beberapa atribut yang menjadi perhatian audit internal adalah:a. Penaksiran kinerja sistem pengendalian yang
ada defisiensi atas pengendalian internal harus dilaporkan kepada top manajemen;
b. Kombinasi antara evaluasi terus-menerus dan evaluasi terpisah akan menjamin efektivitas sistem pengendalian internal yang dirancang.
Evaluasi Tingkat EfektivitasSistem Pengendalian Internal pada Perseroan dijalankan oleh Divisi Legal, Compliance and Corporate Litigation. Hal tersebut dijalankan guna memastikan tingkat efektifitas pengendalian internal Perseroan, melalui evaluasi mengenai kecukupan dan kepatuhan terhadap kebijakan, prosedur, dan sistem. Berbagai evaluasi tingkat efektivitas mencakup:• Jendela: analisis kasus dan kerugian operasional oleh
ORM yang disajikan dalam RMC (Risk Manajemen Committee) bersama BOD per bulan;
• Rapat Post Mortem: tinjauan antara NMP (Network Management and Performance) dengan BOD berdasarkan pelaksanaan rapat antar function di cabang;
• RCSA: tinjauan dari Division Head yang disetujui oleh BOD per kuartal (3 bulan) terkait risiko yang ada pada fungsi masing-masing;
• BCSA: tinjauan dari Function Head yang disetujui oleh Branch Head dan Area Manager per semester (6 bulan) terkait risiko yang ada pada fungsi masing-masing;
Sistem Pengendalian InternalInternal Control System
3. Control Activities The attributes of the internal audit’s concern are the policies and procedures in each company’s activity. This is to identify the potential risks in the achievement of the objectives set.
4. Information and CommunicationSeveral attributes of the internal audit’s concern are:
a. Identification of the relevant information, record and communication in a form that allows the people in the company to take their respective responsibilities;
b. Input of the information from inside and outside of the company about a particular event, condition required for business decision making, or even the reports for external parties;
c. Flow of information that supports the success of the control; from the instructions on the responsibilities to the summarizing of the results that need further action from the management.
5. MonitoringSeveral attributes of the internal audit’s concern are:a. Assessment of the existing control system
performance; the deficiency in the internal control should be reported to the top management;
b. Combination of continuous evaluation and separated evaluation will guarantee the effectiveness of the designed internal control system.
Evaluation on Effectiveness LevelThe Compliance Division manages the Internal Control System in the Company. The system is implemented to ensure the effectiveness level of the Company’s internal control by utilizing independent evaluation of the policies, procedures, and system adequacy and compliance. The effectiveness level evaluations include:
• Jendela: case and operational loss analyses by ORM presented in the RMC with BOD monthly;
• Post Mortem Meeting: review between Network Management and Performance (NMP) and BOD based on inter-functional meeting organized among functions at the branches;
• RCSA: review by the Division Heads approved by BOD quarterly (3 months) concerning the existing risks in each function;
• BCSA: review by Function Heads approved by Branch Head and Area Manager every semester (6 months) concerning the existing risks in each function;
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH296
• KRI: tinjauan oleh ORM dan function terkait atas root cause dan action plan cabang terhadap data anomali yang berpotensi menimbulkan kerugian perusahaan yang disajikan dalam RMC bersama BOD per bulan;
• Caller: tinjauan oleh ORM berdasarkan hasil verifikasi via telepon kepada konsumen WOM per bulan;
• Key Control Standard (KCS): BORC di tingkat cabang, RORC di tingkat regional dan RMC di tingkat direksi per bulan;
• Field Verificator: tinjauan oleh ORM dan fungsi terkait atas pemeriksaan verifikator di lapangan yang disajikan dalam RMC bersama BOD per bulan.
• KRI: review by ORM and related functions on the root cause and the branch’s plan of action against data anomaly which may cause damages to the company, presented by BOD in RMC each month;
• Caller: review by ORM based on phone-call verification to WOM customers each month;
• Key Control Standard (KCS): BORC at the branch level, RORC at the regional level, and RMC at the board of directors level monthly;
• Field verificator: review by ORM and related functions on the verificator follow up in the field presented by BOD in RMC monthly;
Sistem Pengendalian InternalInternal Control System
Horizon of GrowtH 297PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
RUPS memiliki wewenang untuk menunjuk Akuntan Independen (eksternal). Pada tahun 2019, RUPS telah menunjuk Kantor Akuntan Publik Purwantono, Sungkoro & Surja (Firma anggota Ernst & Young Global Limited) dalam rangka pelaksanaan Audit Keuangan Perseroan untuk tahun buku yang berakhir 31 Desember 2019. Dengan biaya jasa pelaksanaan sebesar Rp608.000.000.
Tabel di bawah ini menginformasikan Akuntan dan Kantor Akuntan Publik yang memberikan Audit Keuangan untuk Perseroan selama lima tahun terakhir serta biaya audit yang dikeluarkan:
TahunYear
Kantor Akuntan PublikPublic Accounting Firm
Nama Akuntan PublikName of Public Accountant
Biaya AuditAudit Fee
2019 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Muhammad Kurniawan Rp608.000.000
2018 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Yasir Rp579.400.000
2018 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Yasir Rp350.000.000
2017 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Yasir Rp551.800.000
2016 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Danil Setiadi Handaja Rp551.800.000
2015 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Danil Setiadi Handaja Rp551.800.000
2014 KAP Purwantono, Suherman & Surja (Ernst & Young) Danil Setiadi Handaja Rp537.500.000
Jasa Lain Selain Audit Keuangan / Other Services2019 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Muhammad Kurniawan Rp189.000.000
2018 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Yasir Rp650.000.000
2017 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Yasir Rp180.000.000
2016 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Daniel Setiadi Handaja Rp180.000.000
2015 KAP Purwantono, Sungkoro & Surja (Ernst & Young) Agung Purwanto Rp325.000.000
2014 KAP Purwantono, Suherman & Surja (Ernst & Young) Danil Setiadi Handaja Rp170.000.000
The GMS has the authority to appoint the Independent Auditor (external). In 2019, the GMS has appointed Public Accountant Firm Purwantono, Sungkoro & Surja (Member Firm of Ernst & Young Global Limited) to carry out the Company’s Financial Audit for fiscal year ended 31 December 2019. The service fee was at Rp608.000.000.
The following table contains the information of the Accountants and the Public Accountant Firm that provided the Financial Audit for the Company in the last five years including the respective fees:
Akuntan PublikPublic Accountant
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH298
PENERAPAN MANAJEMEN RISIKODewan Komisaris dan Direksi Perseroan secara bersama-sama membentuk struktur organisasi dengan tanggung jawab, batas kewenangan dan prinsip akuntabilitas terkait proses manajemen risiko Perseroan.
Perseroan memiliki Komite Pemantau Risiko (Risk Oversight Committee/ROC) yang membantu Dewan Komisaris dalam rangka pengawasan dan evaluasi pelaksanaan proses manajemen risiko Perseroan secara efektif dan menyeluruh. Selain itu, Perseroan juga telah membentuk Komite Manajemen Risiko (Risk Manajemen Committee/RMC) untuk membantu Direksi dalam rangka penerapan manajemen risiko Perseroan sehari-hari.
Konsep Three Lines of DefensePerseroan telah menerapkan prinsip three lines of defence dalam pengendalian risiko secara menyeluruh dan handal. Unit Kerja Bisnis sebagai lini pertama memiliki tanggung jawab terkait pengelolaan risiko secara langsung. Sebagai lini kedua, Unit Kerja Manajemen Risiko yang memastikan kecukupan adanya sistem dan prosedur serta metodologi risiko yang digunakan serta Unit Kerja Audit Internal sebagai lini ketiga berperan sebagai independent assurance.
1st Line of defense(Aktifitas Manajemen Risiko Harian)
1. Lini Bisnis/Line of Business2. Kredit / Credit
2nd Line Of Defense(Kecukupan sistem, prosedur dan
metodologi manajemen risiko)
Unit Kerja Audit Internal/ Internal Audit
3rd Line of defense(Independence assurance)
Dewan Komisaris Melalui KPRBoard of Commisioners through ROC
BOD trought RMCBoard of Directors through RMC
1. Manajemen Risiko / Risk Management2. Unit Kerja Kepatuhan (yang berada
pada funsi Legal Corporate Litigation & Compliance Division)
Dalam rangka manajemen risiko secara menyeluruh, Perseroan telah didukung oleh sumber daya manusia berkualitas dan infrastruktur yang cukup memadai. Perseroan secara berkesinambungan mengembangkan metodologi pengelolaan risiko, kebijakan dan prosedur manajemen risiko guna mengantisipasi perkembangan bisnis pembiayaan dan perubahan lingkungan bisnis.
Manajemen RisikoRisk Management
RISK MANAGEMENT APPLICATIONThe Company’s Board of Commissioners and Board of Directors are jointly developed the organization structure with responsibility, authority limits and accountability principle related to the Company’s risk management process.
The Company has in place the Risk Oversight Committee (ROC) that assist the Board of Commissioners in effective and comprehensive oversight and evaluation of the Company’s risk management process. In addition, the Company has also established the Risk Management Committee (RMC) to assist the Board of Directors in implementing daily risk management in the Company.
Three Lines of Defense ConceptThe Company has implemented the three lines of defense principle in its risk control. As the first line, Business Unit has direct responsibility on risk management. The Risk Management Unit as the second line ensures the adequacy of risk system, procedures and methodology that are used. The Internal Audit Unit as the third line has a role as independent assurance.
In a comprehensive risk management, the Company is supported by quality human resources and adequate infrastructure. To anticipate the financing business development and changes in business environment, the Company continuously develops risk management methodoloty, policy and procedures. The enhancement of risk culture awareness in all employees is very important.
Horizon of GrowtH 299PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Manajemen RisikoRisk Management
Perseroan memandang bahwa peningkatan kesadaran budaya risiko sangat penting bagi seluruh karyawan. Sejalan dengan itu, peningkatan pemahaman dan kemampuan karyawan senantiasa diperbarui dan ditingkatkan melalui pelatihan-pelatihan dan kampanye budaya risiko.
PENGELOLAAN RISIKO UTAMA PERUSAHAAN PEMBIAYAANUntuk mengakomodasi tren perusahaan pembiayaan dan pertumbuhan bisnis, pedoman manajemen risiko telah disusun dalam memastikan setiap aktivitas bisnis dikelola sesuai dengan prinsip kehati-hatian. Berikut adalah pilar kerangka kerja manajemen risiko Perseroan:
Risiko Kepengurusan Risiko Tata Kelola Risiko Pembiayaan(CREDIT RISK) Risiko Operasional Risiko ASET &
LIABILITAS Risiko Permodalan
RISIKO KONGLOMERASI
ENTERPRISE RISK INHERENT RISK MANAJEMEN & PENGENDALIAN
NET RISK (NILAI RISIKO BERSIH)
LEVEL RISIKO & PERMODALAN
UNIT KERJA BISNIS & AKTIVITAS FUNGSIONAL
PROFIL RISIKO PERUSAHAAN
PENILAIAN PROFIL RISIKO PERUSAHAAN
PRODUK BARU & AKTIVITAS USAHA
I. Pengawasan aktif Dewan Komisaris & Direksi
a. Kewenangan dan tanggung jawab Dewan Komisaris & Direksi
b. Komite Nominasi & Remunerasi
c. Komite Pemantauan Risiko (Risk Oversight Committe)
d. Komite Audit Internal
II. Kebijakan, prosedur & penetapan limit
a. Strategi bisnis Perseroan
b. Risk appetite dan tolerance
c. Kecukupan kebijakan dan prosedur
d. Limit risiko dan authority level
BUDAYA SADAR RISIKO
IV. Kecukupan sumber daya dan infrastruktur
a. Kelengkapan struktur organisasi
b. Kompensasi dan profesionalisme SDM
c. Sistem manajemen risiko terpadu
III. Proses identifikasi, pengukuran, pemantauan, dan pengendalian risiko
a. Review produk baru, credit test, RSCA, stress test
b. Credit scoring, liquidity gap, repricing mismatch, ECL (PD,LGD,EAD)
c. MIS dan pelaporan manajemen risiko, fraud monitoring activities
d. Aktivitas audit internal dan eksternal, mekanisme wishtle blowing, segregation of duty.
As such, the Company always updates and improves the employees’ understanding and capabilities improvement through trainings and risk culture campaign.
FINANCING COMPANY CORE RISK MANAGEMENTTo accommodate the financing company business trend and growth, the Company has developed risk management guidelines in ensuring the management of business activities with prudential principle. The following is the Company’s risk management framework pillars:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH300
Perseroan memiliki strategi meminimalisasi dampak beban risiko, melalui implementasi manajemen risiko yang hati-hati dan terukur, kerugian beban risiko diupayakan seminimal mungkin agar posisi keuangan Perseroan relatif stabil.
Perseroan mengambil langkah-langkah proaktif dalam pengelolaan profil risiko sebagai akibat tingkat kompetisi dan perubahan lingkungan bisnis. Perseroan telah merumuskan risk appetite, kebijakan & prosedur, dan penetapan batasan risiko maksimal yang dapat diambil. Perseroan memastikan semua risiko yang terjadi dapat teridentifikasi, terukur, terpantau dan dapat dikendalikan sedini mungkin secara tepat dan baik. Keberhasilan fungsi dan tugas satuan kerja manajemen risiko termasuk di dalamnya ketersediaan infrastruktur dan sumber daya manusia (SDM) di bidang manajemen risiko yang profesional. SDM yang unggul dan dukukang infrastruktur yang baik menjadi tolok ukur keberhasilan proses penerapan manajemen risiko Perseroan.
1. Risiko Kepengurusan & Tata KelolaRisiko Tata Kelola adalah potensi kegagalan dalam pelaksanaan tata kelola yang baik, ketidaktepatan gaya manajemen, lingkungan pengendalian, dan perilaku dari setiap pihak yang terlihat langsung atau tidak langsung dengan Perseroan. Sumber pada Risiko Tata Kelola meliputi pedoman tata kelola yang dimiliki Perseroan tidak memadai, Perseroan tidak menerapkan prinsip tata kelola yang baik, dan perseroan tidak menerapkan Manajemen Risiko secara memadai. Risiko Tata Kelola dapat meningkat antara lain Karena adanya investasi dari pihak lain yang mengakibatkan kegagalan dalam pelaksanaan tata kelola yang baik.
Risiko Kepengurusan adalah risiko kegagalan dalam mencapai tujuan Perseroan akibat kegagalan dalam memelihara komposisi terbaik pengurus yang memiliki kompetensi dan integritas yang tinggi. Sumber Risiko Kepengurusan antara lain adalah penunjukan dan pemberhentian Direksi dan Dewan Komisaris yang tidak memadai, komposisi dan proporsi Direksi dan Dewan Komisaris yang tidak mencukupi dan tidak sesuai dengan kebutuhan Perseroan, kompetensi dan integritas Direksi dan Dewan Komisaris tidak memadai dan tidak menunjang tugas dan wewenang Direksi dan Dewan Komisaris, serta kepemimpinan Direksi dan Dewan Komisaris tidak baik. Risiko Kepengurusan dapat meningkat antara lain karena tidak tersedianya sistem remunerasi yang memadai bagi Direksi dan Dewan Komisaris.
The Company’s strategy in minimizing the impact of risk burden is implemented through prudent and measured risk management. The loss from risk burden is taken as minimum as possible to enable a relatively stable financial position.
To address competition and business environment evolution, the Company takes proactive measures in managing risk profiles. The Company has formulated the risk appetite, policy & procedures, and determined maximum risk thresholds that can be taken. The Company ensures that all risks can be identified, measured, monitored and controlled at the earliest in an accurate and proper manner. The success of risk management unit function and duties include the availability of infrastructure and human resources (HR) with professional risk management field. Excellent HR and good support of infrastructure become the benchmark of successful risk management application process in the Company.
1. Management & Governance RiskThe Governance Risk is a potential of failure in the implementation of good governance, inappropriateness of management style, control environment, and conduct of every parties that are directly or indirectly involved with the Company. The sources of Governance Risk include inadequacy of governance guidelines, improper implementation of good governance principles, and inadequacy of risk management application by the Company. The Governance Risk can be escalated among others due to the intervention of other parties that cause a failure in the implementation of good governance.
Management Risk is the risk of failure in achieving the Company’s goals due to failure in maintaining the best composition of management who has high competence and integrity. Sources of Management Risk include but inadequate appointment and termination of Directors and Board of Commissioners, insufficient composition and proportion of Directors and Board of Commissioners that are not in accordance with the needs of the Company, competencies and integrity of Directors and Board of Commissioners are inadequate and do not support the duties and authority of Directors and the Board of Commissioners, and the leadership of the Directors and Board of Commissioners is not good. Management risk can increase among others due to the unavailability of an adequate remuneration system for Directors and Board of Commissioners.
Manajemen RisikoRisk Management
Horizon of GrowtH 301PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Strategi Mitigasi RisikoPeran serta aktif Dewan Komisaris / DPS (UUS) dan Dewan Direksi dalam melakukan pengawasan dan bertanggung jawab penuh atas segala aktivitas usaha dan profil risiko Perseroan sesuai yang tertuang dalam charter Risk Oversight Committee & Risk Management Committee. Susunan Dewan Komisaris/ DPS (UUS) dan Dewan Direksi adalah profesional terbaik dalam bidangnya dan memiliki track record yang baik.
2. Risiko StrategiRisiko Strategis adalah risiko yang antara lain disebabkan oleh adanya penetapan dan pelaksanaan strategi Perseroan yang tidak tepat, pengambilan keputusan bisnis yang tidak tepat, atau kurang responsifnya perusahaan terhadap perubahan eksternal yang mengakibatkan tidak tercapainya target yang sudah ditetapkan oleh Perseroan. Risiko-risiko yang termasuk dalam jenis ini ialah risiko yang berdampak terhadap modal, pendapatan dan reputasi Perseroan, yang secara spesifik timbul akibat pelaksanaan keputusan yang tidak tepat atau akibat kurang responsifnya Perseroan terhadap perubahan industri, ekonomi, teknologi dan regulasi.
Strategi Mitigasi RisikoPerseroan merumuskan strategi mitigasi risiko untuk menyeimbangkan risiko dan pendapatan dengan mempertimbangkan perubahan kondisi pasar, regulasi, dan lingkungan bisnis. Strategi mitigasi risiko strategis yang diterapkan Perseroan menggunakan beberapa parameter. Parameter pertama ialah kesesuaian strategi bisnis Perseroan dengan kondisi lingkungan bisnis, parameter kedua ialah strategi bisnis Perseroan dalam konglomerasi keuangan, parameter ketiga ialah posisi bisnis Perseroan dalam konglomerasi keuangan, dan parameter keempat ialah pencapaian rencana bisnis Perseroan dalam konglomerasi keuangan.
3. Risiko PembiayaanRisiko pembiayaan merupakan jenis risiko yang timbul dengan dampak pada kerugian finansial perusahaan pembiayaan karena debitur gagal melakukan kewajibannya kepada perusahaan pembiayaan. Kegagalan dalam mengelola risiko ini dapat mengakibatkan kerugian, serta kemungkinan risiko tersebut akan menjadi semakin besar, yang kemudian berdampak negatif bagi posisi keuangan perusahaan pembiayaan.
Dalam rangka penilaian risiko pembiayaan, Perseroan senantiasa memperhatikan hal-hal sebagai berikut :
Risk Mitigation StrategyThe active participation of the Board of Commissioners/ DPS (UUS) and the Board of Directors in supervising and taking full responsibility for all business activities and the Company’s risk profile as stipulated in the Risk Oversight Committee & Risk Management Committee charter. The composition of the Board of Commissioners / DPS (UUS) and the Board of Directors are the best professionals in their fields and have a good track record.
2. Strategy RiskStrategic Risk is risk that is caused by, among others, the incorrect setting and implementation of the Company’s strategy, inappropriate business decision making, or the company’s lack of responsiveness to external changes that result in not achieving the targets set by the Company. Risks included in this type are risks that affect the Company’s capital, revenue and reputation, which specifically arise from the implementation of inappropriate decisions or due to the Company’s lack of responsiveness to changes in industry, economy, technology and regulations.
Risk Mitigation StrategyThe Company formulates a risk mitigation strategy to balance risk and income by considering changes in market conditions, regulations and the business environment. The strategic risk mitigation strategy implemented by the Company uses several parameters. The first parameter is the suitability of the Company’s business strategy with the conditions of the business environment, the second parameter is the Company’s business strategy in the financial conglomerate, the third parameter is the Company’s business position in the financial conglomerate, and the fourth parameter is the achievement of the Company’s business plan in the financial conglomerate.
3. Financing RiskThe Financing Risk is a risk that may result with the financial losses impact because of a failure of debtor in carrying out its obligations to the Company. Failing in managing this risk can result in losses, as well as a possibility of greater risk, which eventually led to negative impact on the Company’s financial position.
In the assessment of Financing risk, the Company strives to take the following matters into account:
Manajemen RisikoRisk Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH302
a. Komposisi portofolio pembiayaan dan tingkat konsentrasiDiversifikasi produk pembiayaan Perseroan memainkan peran penting dalam mengurangi potensi risiko kredit yang akan timbul, terutama pada tingkat komposisi dan konsentrasi portofolio pembiayaan yang diberikan. Produk pembiayaan Perseroan diantaranya pembiayaan motor baru, pembiayaan motor bekas dan pembiayaan multiguna dengan agunan mobil atau motor. Sebaran wilayah pembiayaan yang diberikan perusahaan telah mencapai hampir seluruh pulau Jawa, Nusa tenggara & Bali, Sumatera, Kalimantan, dan Sulawesi. Target debitur Perseroan masih didominsai oleh segmen middle-low dengan minimal pendapatan sesuai UMR wilayah setempat.
b. Strategi penyaluran pembiayaanUpaya menjaga pertumbuhan asset pembiayaan senantiasa dilakukan oleh Perseroan selain melakukan optimalisasi portofolio produk pembiayaan pada beberapa produk unggulan yang mendatangkan tingkat keuntungan signifikan. Saat ini Perseroan dihadapkan pada tingkat persaingan yang sangat ketat di pasar sehingga perlu adanya trobosan proses penyaluran pembiayaan tanpa mengesampingkan prinsip kehati-hatian.
c. Kualitas piutang pembiayaan dan tingkat keucukupan pencadanganRasio NPF gross per Desember 2019 sebesar 1.88% dengan tingkat kecukupan pencadangan >1x. Secara kualitas aset pembiayaan, Perseroan masih pada taraf cukup baik dan terkendali
d. Faktor eksternalKondisi ekonomi terutama tingkat inflasi sangat mempengaruhi kualitas pembiayaan Perseroan menimbang bahwa mayoritas debitur merupakan segmen middle-low yang sangat sensitif terhadap perubahan atau kenaikan harga barang. Penurunan kualitas aset pembiayaan terjadi dikarenakan mayoritas segmen debitur mengalami penurunan kapasitas untuk melakukan pembayaran kewajiban kepada Perseroan.
a. Financing portfolio and concentrations level composition.The Company’s financing products diversification plays an important role in reducing financing risk potential that may arise, in particular at the composition level and credit portfolio concentrations. The Company’s financing products include new motor vehicles credit, used motor vehicles credit and multipurpose financing with car or motor vehicles as collateral. The financing coverage by the Company has reached almost all the regions of Java, Nusa Tenggara & Bali, Sumatra, Kalimantan, and Sulawesi islands. The debtors target is still dominated by middle-low segment with minimum income in accordance to local minimum wages.
b. Financing disbursement strategy.The Company strives to maintain financing assets growth in addition to optimize financing product portfolio in several quality products that render significant profitability levels. The Company currently experienced a very stringent competition in the market thereby a breakthrough in lending process is necessary without eliminating prudential principle.
c. Financing receivables quality and appropriated adequacy level.Gross NPF ratio as of December 2018 was 2.68% with >1x appropriated adequacy level. In terms of credit assets quality, the Company is still under acceptable and control level.
d. External factorsThe economic conditions especially inflation level render significant impact on the Company’s credit quality, considering that the majority of debtors are middle-low segment that are very sensitive towards the changes or increase price of goods. The decrease of credit assets quality is due to the decrease of capacity of middle-low segment debtors to settle their obligation to the Company.
Manajemen RisikoRisk Management
Horizon of GrowtH 303PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Strategi Mitigasi RisikoRisiko pembiayaan merupakan risiko utama Perseroan. Pengelolaan risiko pembiayaan dilakukan oleh Perseroan baik secara individual maupun pada tingkat portofolio pembiayaan. Praktik pengelolaan risiko pembiayaan sehari-hari dilakukan oleh unit kerja bisnis secara terpisah dari unit kerja manajemen risiko, baik secara fungsional maupun pengorganisasiannya untuk memastikan adanya kecukupan prinsip dual control dan segregation of duties.
Perseroan memiliki budaya risiko yang cukup baik dengan memastikan adanya kecukupan kebijakan penetapan limit risiko pembiayaan yang baik, proses evaluasi risiko pembiayaan secara menyeluruh, adanya dukungan sumber daya manusia yang profesional serta kehandalan sistem informasi manajemen risiko yang dimiliki oleh Perseroan.
Proses evaluasi dan peninjauan risiko pembiayaan dilakukan secara berkala oleh unit kerja bisnis bersama dengan unit kerja manajemen risiko serta dipantau secara aktif oleh Direksi dan Dewan Komisaris pada tataran komite manajemen risiko dan komite pemantau risiko Perseroan.
Dalam rangka mendukung pertumbuhan bisnis yang sehat dan menghasilkan keuntungan yang berkelanjutan dengan tetap memperhatikan prinsip kehati-hatian, unit kerja manajemen risiko bekerja sama dengan unit kerja bisnis, senantiasa menyempurnakan kebijakan penetapan risk appetite yang tertuang dalam kebijakan pembiayaan sehingga pengelolaan risiko pembiayaan menjadi lebih baik serta melakukan evaluasi batasan wewenang persetujuan pembiayaan secara berkala, sehingga Perseroan memiliki tingkat pelayanan dan kompetitif yang lebih baik.
Proses persetujuan pembiayaan telah ditetapkan secara efektif sehingga memungkinkan proses pengambilan keputusan pembiayaan dilakukan secara optimal dengan mendelegasikan wewenang persetujuan pembiayaan dari level kantor pusat sampai dengan kantor cabang operasional.
Risk Mitigation StrategyThe Financing Risk is the Company’s main risks. The Company manages the credit risk individually as well as at the credit portfolio level. To ensure the adequacy of dual control and segregation of duties, a daily credit risk management practice is carried out by business unit separated from the risk management unit, both functionally or its organization.
The Company has sufficient risk culture by ensuring the adequacy of proper credit risk threshold policy, comprehensive financing risk evaluation process, professional human resources support, and reliable risk management information system.
Business units are periodically carried out the credit risk evaluation and examination with risk management unit, as well as actively monitored by the Board of Directors and Board of Commissioners at the Company’s risk management committee and risk oversight committee levels.
To boost sound business growth and sustainable profitability with due observance to prudent principle, the risk management unit and business units are continuously refined the risk appetite policy that stated in the credit policy thereby rendering better management of financing risk. The units also periodically carried out approval authority limit evaluation, hence the Company has better services and competitive levels.
The effective credit approval process has been set, hence enabling optimum credit decision making process by delegating the credit approval authority from head office to operating branches levels.
Manajemen RisikoRisk Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH304
Diagram berikut menggambarkan proses siklus pembiayaan :
The following diagram illustrates the credit cycle process:
The following diagram desceibws the loan approval process:
Diagram berikut menggambarkan proses persetujuan pembiayaan (loan origination):
Note :• Credit Committee location are both in operational branch & head office• Approval process using both online & offline approval process
Manajemen RisikoRisk Management
Horizon of GrowtH 305PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Proposal pembiayaan yang diajukan oleh kantor cabang dengan jumlah tertentu baik perorangan, maupun korporasi, dievaluasi secara independen oleh unit kerja kredit analis untuk memastikan semua risiko telah terindentifikasi dan termitigasi dengan jelas, sehingga risiko bersih dapat terukur dengan baik.
Pengajuan pembiayaan pada jumlah tertentu dapat menjadi kewenangan kantor cabang sesuai dengan pendelegasian kewenangan yang diterima dari kantor pusat. Wewenang persetujuan kredit yang dimiliki oleh kantor cabang ditinjau dan dievaluasi secara berkala.
Diagram berikut menggambarkan proses pemantauan & collection pembiayaan:
The credit analyst unit independently evaluates credit proposals from branch offices with certain amount both individually and corporate. This is to ensure that all risks have been clearly identified and mitigated, hence creating clean and proper measure of risks.
The branch offices in accordance with the authority delegation may take the authority of credit proposals with certain amount from the head office. The credit approval authority of branch offices is periodically reviewed and evaluated.
The following diagram illustrates the credit monitoring & collection process:
The credit risk mitigation includes collection process, collateral execution to write off based on the length of the debtors’ overdue period in paying installment obligations. The obligation due date up to the collateral execution are carried out in accordance withe the applicable policies.
The risk management unit regularly monitors credit quality in the Company’s entire credit portfolio in addition to conduct early detection of the possibility in the decrease of credit quality that may be caused by the changes of market conditions, macroeconomics and regulations. The credit risk analysis will be provided in line with the recommendations through preventive measures as well as improvement policies to mitigate nonperformaing credit quality.
In terms of policy, the Company has in place 3 (three) hierarchy levels consisting of framework, policy and procedures. This hierarchy is designed to render clear, structured and comprehensive guidance for consistencies in the entire organizations.
Dalam upaya mitigasi risiko pembiayaan dilakukan proses penagihan (collection), eksekusi agunan sampai write off berdasarkan pada lamanya hari tertunggak debitur melakukan pembayaran kewajiban angsuran. Prosedur peringatan tanggal jatuh tempo kewajiban sampai dengan eksekusi agunan dilakukan sesuai dengan kebijakan yang berlaku.
Unit kerja manajemen risiko melakukan aktivitas pemantauan kualitas pembiayaan secara berkala pada seluruh portofolio pembiayaan Perseroan selain melakukan deteksi dini kemungkinan terjadinya penurunan kualitas pembiayaan yang dapat disebabkan oleh perubahan kondisi pasar, makro ekonomi, dan regulasi. Telaah risiko pembiayaan akan diberikan selaras dengan rekomendasi dalam bentuk tindakan preventif maupun perbaikan kebijakan untuk memitigasi kualitas pembiayaan yang memburuk.
Di sisi kebijakan, Perseroan memiliki 3 (tiga) tingkatan hirarki yang terdiri dari kerangka kerja, kebijakan, dan prosedur. Hirarki tersebut dirancang untuk memberikan panduan yang lebih jelas, terstruktur dan menyeluruh untuk menciptakan konsistensi di seluruh organisasi.
Manajemen RisikoRisk Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH306
Kebijakan dan prosedur secara berkala ditinjau dan diperbarui melalui komite yang relevan untuk mencerminkan perubahan dalam kondisi pasar, regulasi, dan lingkungan bisnis.
Keberhasilan dalam mengelola risiko pembiayaan ini bisa dicapai dengan menerapkan siklus pembiayaan yang prudent, mulai dari menawarkan produk yang sesuai, mengidentifikasi target pasar yang tepat, menetapkan kriteria penerimaan risiko yang cermat, menerapkan pengendalian yang kuat dalam inisiasi kredit dan proses persetujuan kredit, mempertahankan portofolio kredit yang sehat, serta menerapkan sistem penagihan dan praktik pemulihan yang memadai.
4. Risiko Aset & LiabilitasRisiko yang terjadi karena adanya potensi kegagalan dalam pengelolaan aset dan liabilitas Perseroan, yang menimbulkan kekurangan dana dalam pemenuhan kewajiban Perseroan. Dalam melakukan penilaian risiko aset dan liabilitas, Perseroan senantiasa memperhatikan hal-hal sebagai berikut:1. Pengelolaan asset
Penilaian aset Perseroan yang tereksposes pergerakan tingkat suku bunga, nilai tukar dan potensial kerugianannya. Perseroan dituntut dapat melakukan pengelolaan yang baik dalam rangka memitigasi penurunan nilai aset akibat pergerakan suku bunga dan nilai tukar tersebut.
2. Pengelolaan liabilitasPenilaian liabilitas Perseroan yang tereksposes pergerakan tingkat suku bunga, nilai tukar dan potensial kerugianannya. Perseroan dituntut dapat melakukan pengelolaan yang baik dalam rangka memitigasi kenaikan nilai liabilitas akibat pergerakan suku bunga dan nilai tukar tersebut.
3. Ketidaksesuaian antara aset dan liabilitasPosisi aset dan liabilitas yang terekspose tingkat suku bunga dan nilai tukar harus di maintain dengan baik oleh Perseroan baik secara jatuh tempo/durasi/repricing gap maupun mismatch antara posisi aset dan liabilitas (gapping) yang berdampak pada tingkat likuiditas Perseroan
Strategi Mitigasi RisikoDalam mengelola risiko aset & likuiditas, Financial Planning and Investor Relation Division bertanggung jawab untuk mengimplementasi kebijakan, metodologi pengukuran, pemantauan, dan pelaporan eksposur risiko aset & likuiditas, serta memantau kepatuhan terhadap pedoman-pedoman tersebut.
The policies and orocedures are regularly reviewed and updatd the policy and procedures to reflect the changes in the market conditions, regulations, and business environment.
The credit risk management can be achieved by applying prudent credit cycle, from appropriate product offering, proper target market identification, prudent risk acceptance criteria determination, strong control implementation in credit initiation and approval process, maintaining sound credit portfolio, as well as applying adequate collection system and recovery practices.
4. Assets & Liabilities RiskThe risk resulted from a potential of failure in the Company’s assets and liabilities management, which creates funding deficiendy in achieving the Company’s obligations. In the assessment of assets and liabilities risk, the Company strives to take into account the following subjects:1. Assets management
The Company’s assets assessment that exposed by the fluctuation of interest rate, exchange value and losses potentials. Proper management is required by the Company to mitigate a decrease of assets value due to such fluctuations in interest rate and exchange value.
2. Liabilities managementThe Company’s liabilities assessment that exposed by the fluctuation of interest rate, exchange value and losses potentials. Proper management is required by the Company to mitigate a decrease of liabilities value due to such fluctuations in interest rate and exchange value.
3. Incompatibility of assets and liabilities The Company has to maintain the assets and liabilities position exposed by the interest rate and exchange value, both in maturity/ duration/ repricing gap as well as mismatch between the assets and liabilities position (gapping), which impact on the Company’s liquidity level.
Risk Mitigation StrategyIn the management of assets & liabilities risk, the Financial Planning and Investor Relations Division is responsible to implement the policy, methodology, monitoring, and reporting of the assets & liabilities risk exposures, as well as monitoring its compliance with such guidelines.
Manajemen RisikoRisk Management
Horizon of GrowtH 307PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Secara berkala, Perseroan melakukan evaluasi dan pembaharuan yang dianggap perlu atas setiap kebijakan dan prosedur manajemen risiko aset & likuiditas, yang senantiasa disesuaikan dengan kondisi terkini dan regulasi terkait.
Perseroan juga melakukan pemantauan berkala terkait kondisi mismatch utamanya terkait eksposur pergerakan suku bunga di pasar dan kondisi perbedaan re-pricing antara aset dan liabilitas. Selain itu, Stress Testing juga dilakukan untuk mengevaluasi kapabilitas Perseroan dalam memenuhi kewajiban likuiditas dalam kondisi krisis.
5. Risiko OperasionalRisiko operasional merupakan risiko-risiko yang disebabkan oleh ketidakcukupan dan/atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem atau problem eksternal yang bisa mempengaruhi operasional Perseroan. Risiko operasional umumnya dapat menimbulkan kerugian keuangan, baik secara langsung maupun tidak langsung, serta kerugian potensial atas hilangnya kesempatan untuk memperoleh keuntungan. Risiko operasional dapat melekat pada aktivitas fungsional Perseroan seperti perkreditan (penyediaan dana), teknologi sistem informasi dan sistem informasi manajemen, serta pengelolaan sumber daya manusia.
Perseroan telah menerapkan pengelolaan risiko operasional, yaitu proses yang mengidentifikasi secara sistematis penyebab kegagalan dalam kegiatan operasional sehari-hari secara fungsional organisasi, menilai risiko kerugian dan mengambil tindakan yang tepat untuk meminimalisir dampak kerugian tersebut.
Strategi Mitigasi Risiko:Upaya meningkatkan kebutuhan manajemen risiko operasional yang efektif didorong oleh beberapa faktor sebagai berikut:1. Kerugian operasional signifikan yang dialami oleh
industri Perusahaan Pembiayaan;2. Regulasi yang baru dan praktik terbaik dalam
Perusahaan Pembiayaan di Indonesia; 3. Perubahan yang relatif cepat dalam dunia bisnis;4. Tumbuhnya kebutuhan akan pengukuran kinerja;5. Perlindungan dan pengembangan terhadap nilai
pemegang saham.
Dalam memberikan respon yang tepat terhadap faktor-faktor di atas, juga atas visi Perseroan untuk tetap menjaga risiko agar tetap seimbang dengan pertumbuhan bisnis, Perseroan menyadari
The Company regularly evaluates and updates necessary policy and procedures of assets & liabilities risk management, which always adapted with the latest conditions and relevant regulations.
The Company also regularly monitors the mismatch conditions in particular the exposures of interest rate fluctuation in the market and repricing differences between assets and liabilities. Moreover, the stress testing is carried out to evaluate the Company’s capabilities in meeting the liquidity during crises.
5. Operational RiskThe Operational Risk is risks resulted from inadequacy and/or disfunction of internal process, human errors, system failures or external issues that may impact the Company’s operations. In general the Operational risk can both directly and indirectly render the financial losses, as well as potential loss on failing in taking the opportunity of generating profitability. The Operational risk can be embedded at the Company’s functional activities such as lending, information system technology and management information system, as well as human resources management.
The Company has implemented the operational risk management, which includes systematic identification on the failure of daily operations in organization functions, risk of loss assessment and taking proper measures to minimize the impact of such losses.
Risk Mitigation StrategyThe effort to enhance effective operational risk management is encouraged by the following factors:
1. Significant operational losses experienced by Financing Companies industry;
2. New regulations and best practices in Financing Companies in Indonesia;
3. Relatively fast evolution in business environment;4. Increase needs of performance measurement;5. Shareholders’ value protection and development.
In accurately responding the above factors, as well as the Company’s vision to maintain a balance risk with business growth, the Company realizes its needs to enhance the awareness of operational risk, as well as
Manajemen RisikoRisk Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH308
kebutuhannya untuk meningkatkan kesadaran akan risiko operasional, serta keutuhan untuk membentuk kerangka kerja manajemen risiko operasional, kebijakan, dan prosedur yang memadai serta konsisten diterapkan di Perseroan.
Strategi manajemen risiko operasional telah diformulasikan dengan baik dan dipahami secara merata, hal ini sangat penting dalam membangun kesadaran manajemen risiko operasional di Perseroan.
Model tata kelola risiko operasional untuk Perseroan dilakukan secara formal, transparan, dan konsistensi. Model tersebut juga secara jelas menegaskan tugas dan tanggung jawab serta alur pelaporan demi terciptanya pengelolaan risiko operasional Perseroan yang berjalan secara efektif. Model tata kelola disusun dan diterapkan untuk menempatkan akuntabilitas terhadap risiko operasional yang mungkin timbul, serta pada saat yang bersamaan, memfasilitasi pemisahan tugas secara independen antara unit pengendali risiko dan fungsi Audit Internal.
Sifat dan tingkat risiko operasional dapat berubah seiring perubahan pada perilaku manusia, struktur organisasi, proses, sistem, dan faktor-faktor eksternal lain. Oleh karena itu, kajian secara terus menerus, pemantauan risiko, serta efektivitas pengendalian secara dinamis merupakan hal-hal penting yang wajib dilaksanakan dan diwujudkan guna mencapai manajemen risiko operasional yang efektif.
Untuk memfasilitasi proses ini, Perseroan telah membentuk perangkat utama risiko operasional sebagai bagian dari pengembangan manajemen risiko operasional yang efektif. Sebagai bagian dari mitigasi risiko operasional, Businesss Continuity Management merupakan pendekatan yang mencakup kerangka kerja, kebijakan standar, dan prosedur dalam membangun ketahanan dan kemampuan, demi memastikan bahwa operasional Perseroan dapat dipulihkan dengan cepat apabila terjadi gangguan pada fungsi-fungsi kritikal, sesuai dengan batas toleransi maksimum yang telah ditentukan.
Terkait hal tersebut, latihan simulasi krisis dan pemulihan dilakukan secara berkala untuk menguji rencana serta kesiapan terhadap krisis yang mungkin terjadi.
Kebijakan Anti FraudSebagai bagian dari sinergi dalam mitigasi risiko operasional, kebijakan Anti-Fraud dibuat dalam rangka membangun program-program serta pengendalian anti-fraud yang kuat dan komprehensif. Kebijakan
the need to establish the operational risk management adequate framework, policy and procedures, which shall be consistenly applied in the Company.
The operational risk management strategy has been well formulated and comprehended equally, a very important measure in building awareness of operational risk management in the Company.
The operational risk governance model for the Company is formally, transparently and consistently conducted. Such model is clearly affirmed the duties and responsibilities as well as reporting mechanisms for the creation of effective operational risk management in the Company.The governance model is developed and applied for the accountability on operational risk that may arise, and at the same time to facilitate segregation of duties independently between risk control unit and Internal Audit function.
The nature and level of operational risk can evolve in coherent with the changes of human behaviour, organization structure, process, system, and other external factors. To that end, continous review, risk monitoring, and dynamic control effectiveness become key points that shall be implemented and realized in order to achieve effective operational risk management.
To facilitate this process, the Company has formed the operational risk main tools as part of effective operational risk management development. As part of operational risk mitigation, the Business Continuity Management serves as an approach that covers framework, standard policy, and procedures in building the defense and capabilities. This is to ensure that the Company’s operations can be quickly restored in the event of disruptionsat critical functions, in accordance with the set maximum tolerancy limits.
In this instance, the regular crises simulation and recovery training is conducted to examine the plan and preparedness toward the crises that may occur.
Anti Fraud PolicyAs part of synergy in the operational risk mitigation, the Anti Fraud policy is developed to create strong and comprehensive anti fraud programs and control. This policy regulates the principle, strategy, and
Manajemen RisikoRisk Management
Horizon of GrowtH 309PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
ini mengatur prinsip, strategi, dan prosedur terkait fraud yang diimplementasikan pada setiap tingkatan yang ada di Perseroan, guna mendorong terciptanya standar integritas yang tinggi.
Strategi yang diterapkan untuk memerangi fraud didasarkan pada pencegahan, deteksi dini, investigasi, dan perbaikan yang diperlukan. Melalui kebijakan Anti-Fraud, Perseroan menerapkan zero tolerance fraud terhadap karyawan yang terbukti melakukan atau mendukung fraud. Pelaksanaan kebijakan Anti-Fraud merupakan tanggung jawab seluruh karyawan tanpa terkecuali. Kampanye Anti-Fraud secara terus menerus dipublikasikan kepada seluruh jenjang organisasi Perseroan.
Budaya manajemen risiko operasional yang kuat di Perseroan diwujudkan melalui program pembelajaran dan kesadaran risiko operasional yang terstruktur. Budaya manajemen risiko operasional tersebut merupakan bagian yang tidak terpisahkan dari tata kelola perusahaan yang baik.
5.1. Risiko Operasional Lainnya5.1.1 Risiko Reputasi
Risiko Reputasi merupakan jenis risiko yang antara lain disebabkan oleh adanya publikasi negatif terkait kegiatan usaha Perseroan, hingga menyebabkan terbentuknya persepsi negatif terhadap Perseroan. Risiko ini muncul ketika reputasi Perseroan terpengaruh oleh satu atau beberapa kejadian yang berdampak negatif pada reputasi Perseroan, khususnya yang timbul akibat publikasi negatif tentang kegiatan bisnis atau kondisi keuangan Perseroan.
Terlepas dari kebenarannya, publikasi negatif berpotensi menurunkan kepercayaan publik terhadap Perseroan Pembiayaan. Hal tersebut dapat menyebabkan berbagai akibat negatif seperti tuntutan litigasi, penurunan jumlah debitur, bisnis dan/atau pendapatan Perseroan.
Strategi Mitigasi RisikoRisiko Reputasi dijaga melalui pengelolaan seluruh risiko yang dapat memengaruhi reputasi Perseroan, melalui tata kelola perusahaan yang baik dan proses manajemen risiko yang efektif. Pengelolaan Risiko Reputasi dilakukan melalui pemantauan secara aktif atas berita-berita yang beredar, informasi atas perkembangan pasar, persepsi
procedures on fraud implemented in every level of the Company, in order to create high integrity standard.
The strategy implemented to prevent fraud is based on prevention, early detection, investigation, and necessary improvements. Through the AntiFraud policy, the Company applies zero tolerance fraud towards employees that are proven to have performed or supported fraud. The Anti Fraud policy implementation is the responsibility of entire employees without exception. The Anti Fraud campaign is continuously published to all the Company’s organization levels.
Strong operational risk management culture in the Company is realized through learning program and structured operational risk awareness.Such operational risk management culture is an inseparable part of the good corporate governance.
5.1. Other Operational Risks5.1.1 Reputation Risk
The Reputation Risk is a risk type that among others resulted by negative publication on the Company’s business activities, hence causing negative perceptions on the Company. This risk arises when the Company’s reputation is influenced by one or several situations that negatively impacted the Company’s reputation, specifically resulted from negative publications on the Company’s business activities or financial conditions.
Regardless of the truth, negative publications have the potential to reduce public confidence in the Financing Company. This can cause various negative consequences such as litigation demands, decrease in the number of debtors, business and/or the Company’s revenue.
Risk Mitigation StrategyThe Reputation Risk is maintained through all risk management that may influence the Company’s reputation, by the execution of good corporate governance and effective risk management process. The Corporate Services and Communication Department carry out the Reputation Risk management through active monitoring on published
Manajemen RisikoRisk Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH310
stakeholders, dan publikasi di media massa yang dikelola oleh Corporate Services and Communications Department. Keluhan konsumen yang masuk dan diterima oleh Perseroan akan ditindaklanjuti Corporate Services and Communications Department secara baik, sesuai dengan tenggat waktu yang telah ditentukan.
5.1.2 Risiko HukumRisiko Hukum merupakan jenis risiko yang timbul karena ketidakmampuan Perseroan dalam mengelola munculnya permasalahan hukum yang dapat menimbulkan kerugian bagi Perseroan. Risiko hukum disebabkan oleh adanya kelemahan aspek yuridis, yang antara lain disebabkan adanya tuntutan hukum, karena ketiadaan peraturan perundang-undangan yang mendukung, ataupun kelemahan pertalian, seperti tidak dipenuhi syarat sah kontrak, dan lain sebagainya.
Strategi Mitigasi RisikoLegal Department merupakan satuan kerja/fungsi yang membawahi bidang hukum dan melakukan evaluasi secara berkala terhadap kontrak dan perjanjian antara Perseroan dengan pihak lain. Hal tersebut dilakukan antara lain dengan cara melakukan penilaian kembali terhadap efektivitas proses enforceability guna memeriksa kembali validitas hak dalam kontrak dan perjanjian tersebut.
Dengan strategi mitigasi dan pengelolaan risiko hukum di atas, maka kepentingan Perseroan senantiasa dapat terlindungi.
5.1.3 Risiko KepatuhanRisiko Kepatuhan merupakan risiko yang disebabkan Perseroan tidak memenuhi atau tidak melaksanakan peraturan perundang-undangan dan ketentuan lain yang berlaku.
Strategi Mitigasi RisikoUntuk Risiko Kepatuhan, Perseroan menunjuk Legal, Corporate Litigation, and Compliance Division yang terus mengkaji, memberikan saran, mengkaji ulang, dan memastikan bahwa semua kebijakan dan prosedur Perseroan yang terkait dengan hukum telah memenuhi persyaratan peraturan yang berlaku.
news, information on market development, stakeholders’ perceptions, and mass media publications. The Corporate Services and Communication Department will follow up the customers’ complaint recorded and accepted by the Company properly, in accordance with the set timing.
5.1.2 Legal RiskThe Legal Risk is a risk type resulted from the Company’s incapability in managing litigations that may be detrimental to the Company. The Legal risk is caused by the weakness of jurisdictive aspect, which among others due to legal lawsuits, lack of supporting laws and regulatory, or weakness of agreements, such as lack of fulfillment of legal contract requirements, and so forth.
Risk Mitigation StrategyThe Legal Department is a unit/function in charge of legal field and carries out periodic evaluation on the contracts and agreements between the Company and other parties. This is conducted among others by re-assessment on the effectiveness of enforceability process in order to re-verify the validity of rights in such contracts and agreements.
With the above legal risk mitigation strategy and management, the Company’s interests can be continually protected.
5.1.3 Compliance RiskThe Compliance Risk is a risk resulted by inadherence or incompliance in the implementation of laws and regulatory as well as other prevailing rules.
Risk Mitigation StrategyThe Company assigns the Legal Corporate Litigation, and Compliance Division to carry out Compliance Risk, by continually reviewing, providing recommendations, re-analysing, and ensuring that all of the Company’s policies and procedures related to legal matters have been in compliance with the prevailing regulatory.
Manajemen RisikoRisk Management
Horizon of GrowtH 311PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
6. Risiko Dukungan DanaRisiko Dukungan Dana (Permodalan) adalah risiko yang muncul akibat ketidakcukupan dana/modal pada Perseroan, termasuk kurangnya akses tambahan dana/modal dalam menghadapi kerugian atau kebutuhan dana/modal yang tidak terduga. Permodalan Perseroan menggambarkan kemampuan Perseroan dalam menyerap kerugian tak terduga akibat dari pengelolaan aset dan liabilitas Perseroan.
Risiko Dukungan Dana (Permodalan) bersumber dari kemampuan pendanaan (permodalan) yang rendah dan tambahan pendanaan (permodalan) yang lemah.
Strategi Mitigasi RisikoDalam aktivitas usaha pembiayaan, Perseroan dihadapkan pada potensi terjadinya kredit macet, kenaikan suku bunga pinjaman yang berdampak pada penurunan tingkat pendapatan bunga bersih dan kondisi likuiditas cash flow Perseroan dalam memenuhi kewajiban pihak kreditur. Untuk itu, Perseroan telah menyiapkan strategi sumber pendanaan baik dari modal sendiri, pinjaman Bank, maupun akses pasar modal maupun pasar uang. Saat ini, profil sumber pendanaan Perseroan masih didominasi oleh pinjaman Bank sebesar >60% dan sisanya penerbitan surat utang. Saat ini, kondisi permodalan Perseroan dirasa sangat baik dan cukup untuk meng-cover potensi kerugian akan terjadi dan telah sesuai dengan ketentuan minimal modal regulator.
Profil RisikoProfil Risiko Perseroan per Desember 2019 ialah sebagai berikut:
No. Jenis RisikoRisk Types
Nilai Risik (NR)Risk Value
BobotWeight
Nilai Risiko BersihNet Risk Value
1 KepengurusanManagement
1,06 10% 0,13
2 Tata KelolaGovernance
1,25 15% 0,37
3 StrategisStrategic
1,24 10% 0,24
3.1 Risiko BawaanInherent Risk
1,30
3.2 Manajemen & PengendalianManagement & Control
1,19
4 OperasionalOperational
1,30 20% 0,57
4.1 Risiko BawaanInherent Risk
1,45
4.2 Manajemen & PengendalianManagement & Control
1,15
6. Capital RiskThe Capital Risk is a risk resulted by insufficiency of funds/capital in the Company, including lack of funds/capital injection access to address losses or unforeseen funds/capital needs. The Company’s capital reflects the Company’s capability in taking unexpected losses resulted from the Company’s assets and liabilities management.
The Capital Risk derives from low capital capability and weak capital injection.
Risk Mitigation StrategyIn financing business activities, the Company may address the potential of non-performing loans, increase of loan interest rate that impact on the decrease of net interest income and cash flow liquidity conditions in meeting the obligations of creditors. To that end, the Company has prepared capital resources strategy from own capital, Bank loans, as wll as capital market access including money market. Currently, the Company’s capital profile is still dominated by Bank loans at >60% and the balance came from bonds issuance. Currently, the Company’s capital conditions is considered very good and sufficient to cover losses potential and has been in accordance with the minimum capital limits by the regulators.
Risk ProfileThe Company’s Risk Profile as of December 2019 is as follows:
Manajemen RisikoRisk Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH312
No. Jenis RisikoRisk Types
Nilai Risik (NR)Risk Value
BobotWeight
Nilai Risiko BersihNet Risk Value
5 Aset & LiabilitasAssets & Liabilities
1,13 15% 0,24
5.1 Risiko BawaanInherent Risk
1,08
5.2 Manajemen & PengendalianManagement & Control
1,17
6 PembiayaanCredit
1,26 30% 0,76
6.1 Risiko BawaanInherent Risk
1,30
6.2 Manajemen & PengendalianManagement & Control
1,22
100% 2,31
Total Nilai Risiko Bersih (G) / Total Net Risk Value (G) 1,23
Dukungan Dana (Permodalan) / Funding (Capital)
a. Kemampuan Permodalan / Capital Capability 1,25 50% 1,22
b. Tambahan Permodalan / Capital Injection 1,19 50% 0,99
100% 2,21
Total Nilai Risiko Dukungan Dana (I) / Total Funding Risk Value (I) 1,22
Bobot Nilai Risiko Bersih dan Nilai Risiko Dukungan Dana/Weight of Net Risk Value and Funding Risk Value
2/3 : 1/3
Nilai Risiko Keseluruhan / Overall Risk Value 1,23
Tingkat Risiko / Risk Level Sedang RendahLow Moderate
Implementation of Corporate Risk Management Activities in 2019Throughout 2019, the company carries out risk management governance as part good governance implementation as follows:
a. Active supervision by the Board of Commissioners, Directors and DPS• The Board of Commissioners has a good
understanding and always carries out a supervisory function on the performance and risk management of the company, oversees internal and external audits including the findings and ensures timely disclosure of information in accordance with applicable regulations.
• The Board of Directors is responsible for day-to-day risk management including formulating and executing business plans (budgets), achieving the budget, managing policies, managing and monitoring risks and company resources. The company’s goals and strategies are listed in the company’s budget which in its preparation has considered internal and external factors including the company’s ability to manage risk.
Kegiatan Penerapan Manajemen Risiko Perusahaan Tahun 2019Sepanjang tahun 2019 sebagai bagian dari penerapan tata kelola yang baik perusahaan menjalankan tata kelola manajamen risiko sebagai berikut:
a. Pengawasan aktif Dewan Komisaris, Direksi dan DPS
• Dewan Komisaris memiliki pemahaman yang baik dan senantiasa menjalankan fungsi pengawasan terhadap kinerja dan pengelolaan risiko perusahaan, pengawasan atas audit internal dan eksternal termasuk hasil temuannya serta memastikan pengungkapan informasi yang tepat waktu sesuai dengan aturan yang berlaku.
• Direksi bertanggung jawab atas pengelolaan risiko sehari-hari termasuk melakukan formulasi dan eksekusi rencana bisnis (anggaran), pencapaian anggaran, pengaturan kebijakan, pengelolaan dan pemantauan risiko serta sumber daya perusahaan. Sasaran dan strategi perusahaan tercantum dalam anggaran perusahaan dimana dalam penyusunannya telah mempertimbangkan faktor internal dan eksternal termasuk kemampuan perusahaan dalam mengelola risiko.
Manajemen RisikoRisk Management
Horizon of GrowtH 313PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
• Dewan Pengawas Syariah (DPS) melakukan supervisi atas segala aktivitas usaha pembiayaan syariah perusahaan. Anggota DPS bertindak sebagai penasehat dan konsultan perusahaan bagi Direksi dan Unit Usaha Syariah perusahaan. DPS bersifat independen dan dibentuk oleh Dewan Syariah Nasional (DSN).
Dalam hal aktivitas pengawasan dan pengelolaan risiko perusahaan, Dewan Komisaris dan Direksi terlibat aktif dalam Risk Oversight Committee (ROC) dan Risk Management Committee (RMC) dengan frekuensi pertemuan masing-masing minimal empat kali setahun.
b. Kecukupan kebijakan, prosedur, dan penetapan limit risikoPerusahaan telah memiliki kebijakan manajemen risiko yang tertuang dalam Pedoman Penerapan Manajemen Risiko (PPMR) termasuk penetapan batas wewenang memutus. Kebijakan tersebut dirasa telah cukup meng-cover semua jenis risiko perusahaan dalam kerangka sebagai Perusahaan Pembiayaan. Penetapan limit risiko diantaranya tertuang dalam anggaran parameter operasional perusahaan per segmen produk pembiayaan. Kecukupan kebijakan, prosedur dan limit risiko tersebut secara berkala dan terus menerus dilakukan review dan penyempurnaan menyesuaikan arah bisnis serta kondisi perubahan faktor-faktor internal dan eksternal yang mempengaruhi tingkat risiko perusahaan.
c. Proses identifikasi, pengukuran, pemantauan dan pengendalian risiko Perusahaan telah mengimplementasikan Credit Scoring, Risk Control & Self Assessment, Key Risk Indicator dan Loss Even Database dalam hal upaya identifikasi dan pengukuran tingkat risiko kredit dan risiko operasional. Pemantauan risiko dilakukan secara bulanan melalui Portfolio Management Report dan Operasional Risk Dashboard termasuk didalamnya proses pemantauan Risk appetite perusahaan. Satuan kerja Risk Management secara berkelanjutan memastikan kecukupan proses identifikasi, pengukuran, pemantauan dan pengendalian risiko perusahaan.
d. Sistem informasi manajemen risikoKetersediaan sistem informasi yang memadai merupakan faktor penunjang utama dalam rangka proses manajemen risiko secara komprehenshif. Pendeteksian tingkat risiko secara dini akan sangat berguna dalam hal menekan potensi kerugian perusahaan yang akan terjadi serta pengambilan keputusan dapat dilakukan secara cepat dan tepat
• Sharia Supervisory Board (DPS) supervises all business activities of sharia financing. DPS members act as corporate advisors and consultants to the Directors and Sharia Business Units of the company. DPS is independent and formed by the National Sharia Board (DSN).
In terms of company risk monitoring and management activities, the Board of Commissioners and Directors are actively involved in the Risk Oversight Committee (ROC) and Risk Management Committee (RMC) with a frequency of meeting at least four times a year.
b. Adequacy of policies, procedures and determination of risk limitsThe company has a risk management policy set out in the Guidelines for the Implementation of Risk Management (PPMR), including setting limits on decision authority. The policy is considered to have covered all types of company risk in the framework of a Financing Company. The determination of risk limits includes the budget for operational parameters of the company per segment of financing products. The adequacy of these policies, procedures and risk limits is periodically and continuously reviewed and refined to adjust the business direction and the changing conditions of internal and external factors that affect the level of risk of the company.
c. The process of identifying, measuring, monitoring and controlling riskThe Company has implemented Credit Scoring, Risk Control & Self Assessment, Key Risk Indicators and Loss Even Database in terms of identifying and measuring the level of credit risk and operational risk. Risk monitoring is carried out monthly through the Portfolio Management Report and Operational Risk Dashboard including the company’s Risk appetite monitoring process. The Risk Management work unit on an ongoing basis ensures the adequacy of the company’s risk identification, measurement, monitoring and control processes.
d. Risk management information systemThe availability of an adequate information system is a major supporting factor in the framework of a comprehensive risk management process. Early detection of the level of risk will be very useful in terms of reducing the potential loss of the company that will occur and decision making can be done quickly and accurately in an effort to mitigate the risk process. The
Manajemen RisikoRisk Management
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH314
dalam upaya proses mitigasi risiko. Perusahaan sangat concern akan pentingnya sistem informasi manajemen risiko yang baik sehingga upaya menyempurnakan dilakukan secara berkelanjutan.
e. Sistem pengendalian internal yang menyeluruhSistem pengendalian internal dinilai cukup efektif dalam mendukung pelaksanaan manajemen risiko. Secara struktur organisasi, proses pengendalian internal dilakukan oleh Satuan Kerja Audit Internal yang memastikan bahwa semua transaksi dilakukan sesuai dengan kebijakan dan prosedur yang berlaku. Proses review oleh Satuan Kerja Audit Internal secara berkala dengan cakupan aspek pemeriksaan yang telah ditentukan sebelumnya. Hasil audit menjadi salah satu dasar penyempurnaan kebijakan perusahaan.
Penerapan Manajemen Risiko Perusahaan Tahun 2020Pada tahun 2020, perusahaan kembali akan membuat langkah perbaikan dengan berpedoman tahun sebelumnya yang dapat dijelaskan sebagai berikut:• Memperbaiki kualitas penerapan manajemen risiko,
terutama pada sisi kecukupan kebijakan dan prosedur, proses identifikasi, pengukuran, pemantauan dan pengendalian risiko, serta sistem informasi manajemen risiko.
• Menyempurnakan Laporan Profil Risiko Perusahaan, terkait risiko yang melekat pada kegiatan usaha (inherent risk) Perusahaan dan kualitas penerapan manajemen risiko.
• Mempertahankan nilai komposit profil risiko Perusahaan di tahun 2019 yang berada ditingkat “Low” versi penilaian profil risiko perbankan yang disesuaikan terhadap anak Perusahaan (bank) dan tingkat “Sedang Rendah” versi penilaian profil risiko LJKNB.
• Penguatan sistem informasi manajemen risiko terutama implementasi core system baru, membangun data warehouse dan sistem pelaporan/monitoring yang handal guna menunjang peningkatan kinerja Perusahaan dalam melakukan aktivitas bisnis serta penguatan pada proses pemantauan risiko Perusahaan yang lebih komprehenshif.
• Fokus pada pengembangan SDM yang beritegritas tinggi dan memiliki kualitas serta kompetensi yang dapat menunjang pencapaian visi dan misi Perusahaan (people at the core). Perbaikan proses rekruitmen, program pelatihan yang baik dan ketersediaan infrastruktur pendukung yang memadai.
company is very concerned about the importance of a good risk management information system so that improvement efforts are carried out on an ongoing basis.
e. A comprehensive internal control systemThe internal control system is considered quite effective in supporting the implementation of risk management. Structurally, the internal control process is carried out by the Internal Audit Work Unit which ensures that all transactions are carried out in accordance with applicable policies and procedures. The review process by the Internal Audit Work Unit on a regular basis with the scope of the audit aspects that have been predetermined. Audit results become one of the bases for improving company policy.
Implementation of Corporate Risk Management in 2020In 2020, the company will again make corrective steps based on the previous year which can be explained as follows:• Improve the quality of risk management
implementation, especially in terms of the adequacy of policies and procedures, the process of identifying, measuring, monitoring and controlling risks, and risk management information systems.
• Improve the Company’s Risk Profile Report, related to risks inherent to the Company’s business activities (inherent risk) and the quality of risk management implementation.
• Maintaining the composite value of the Company’s risk profile in 2019 at the “Low” version of the assessment of the banking risk profile adjusted for the subsidiary (bank) and the “Medium Low” version of the LJKNB risk profile assessment.
• Strengthening the risk management information system, especially the implementation of a new core system, building a data warehouse and a reliable reporting/monitoring system to support the Company’s performance enhancement in conducting the business activities as well as strengthening the Company risk monitoring activities that are more comprehensive.
• Focus on developing high integrity human resources with quality and competence that can support the achievement of the Company’s vision and mission (people at the core). Improvement of the recruitment process, good training programs and availability of adequate supporting infrastructure.
Manajemen RisikoRisk Management
Horizon of GrowtH 315PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Sekretaris PerusahaanCorporate Secretary
Dalam Peraturan Otoritas Jasa Keuangan No. 35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik, fungsi Sekretaris Perusahaan untuk memastikan kelancaran komunikasi antara Perusahaan Publik dengan pemangku Kepentingan, serta memastikan bahwa Emiten atau Perusahaan Publik senantiasa patuh terhadap peraturan perundang-undangan yang berlaku. Sekretaris Perusahaan dibentuk untuk meningkatkan pelaksanaan tata kelola perusahaan dan diwajibkan untuk memiliki kualifikasi yang sesuai dengan tugas dan tanggungjawabnya.
PROFIL SEKRETARIS PERUSAHAANProfil Sekretaris Perusahaan tercantum dalam Profil Direksi atas nama Zacharia Susantadiredja.
Beliau berperan sebagai penghubung antara Perseroan dengan Otoritas Jasa Keuangan, Bursa Efek Indonesia, masyarakat, dan institusi-institusi terkait lainnya. Beliau memonitor kepatuhan Perseroan terhadap peraturan dan ketentuan pasar modal dan memastikan pengurus Perseroan memahami perubahan dan implikasinya.
DASAR HUKUM PENUNJUKAN SEKRETARIS PERUSAHAANZacharia Susantadiredja, ditunjuk sebagai Sekretaris Perusahaan melalui Surat Keputusan Direksi No. 1546/DIR/IV/2015 tanggal 29 April 2015. Penunjukan dan pengangkatan Sekretaris Perusahaan tersebut telah dilaporkan kepada OJK dan BEI melalui surat No. 1547/DIR/IV/2015 tanggal 29 April 2015, serta dimuat dalam situs web Perseroan www.wom.co.id serta situs web Bursa Efek Indonesia pada tanggal 29 April 2015.
PERIODE JABATAN SEKRETARIS PERUSAHAANBerdasarkan penunjukan di atas, Zacharia Susantadiredja menjabat sebagai Sekretaris Perusahaan efektif dengan berlandaskan surat keputusan Direksi tersebut.
Pursuant to the Financial Services Authority Regulation No. 35/POJK.04/2014 on the Corporate Secretary of Issuers or Public Companies, the function of Corporate Secretary is ensuring effective communication between Public Companies and Stakeholders, and to ensure that the Issuers or Public Companies continuously comply with the prevailing laws and regulations. The Corporate Secretary is esatablished to enhance the implementation of corporate.
CORPORATE SECRETARY PROFILEThe Corporate Secretary Profile can be found in The Bord of Directors Profile, Zacharia Susantadiredja.
He serves as a liaison between the Company and the Financial Services Authority, the Indonesia Stock Exchange, the public, and other related institutions. He monitors the Company’s compliance with capital market rules and regulations and ensures that the Company’s management understands the changes and their implications.
LEGAL BASIS FOR APPOINTMENT OF CORPORATE SECRETARYZacharia Susantadiredja, was appointed as Corporate Secretary through the Decree of the Board of Directors No. 1546/DIR/IV/2015 April 29, 2015. The appointment and appointment of the Corporate Secretary has been reported to the OJK and IDX via letter No. 1547/DIR/IV/2015 April 29, 2015, and was posted on the Company’s website www.wom.co.id and the Indonesia Stock Exchange website on April 29, 2015.
TERM OF OFFICE OF THE CORPORATE SECRETARYBased on the appointment above, Zacharia Susantadiredja has served as an effective Corporate Secretary based on the Directors’ decision letter.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH316
PENDIDIKAN DAN PELATIHAN SEKRETARIS PERUSAHAAN 2019
No. TanggalDates
Pendidikan & PelatihanEducation & Training
1. 26 November 2019Seminar Nasional “Peluang dan Tantangan Tahun 2020”National Seminar “Opportunities and Challenges in 2020”
2.25 Juli 2019July 25, 2019
Seminar Nasional “Industri Pembiayaan Di Tengah Gejolak Politik dan Ekonomi”National Seminar “Financing Industry Amidst Political and Economin Turmoil”
TUGAS DAN TANGGUNGJAWABSekretaris Perusahaan bertanggung jawab untuk memberikan saran kepada Direksi tentang isu-isu yang berkaitan dengan kepatuhan Perseoran terhadap undang-undang, ketentuan dan prosedur serta peraturan yang berdampak pada Direksi dan praktik-praktik terbaik tata kelola perusahaan. Sekretaris Perusahaan bertanggung jawab untuk memberikan saran kepada Direksi mengenai tugas dan kewajiban mereka untuk mengungkapkan kepentingan mereka dalam efek, benturan kepentingan dalam transaksi yang melibatkan Perseroan, larangan dalam transaksi efek dan larangan pengungkapan informasi yang dapat mempengaruhi harga.
Adapun tugas lain Sekretaris Perusahaan, antara lain:1. Mengikuti perkembangan Pasar Modal khususnya
peraturan perundang-undangan yang berlaku di Pasar Modal.
2. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan Tata Kelola Perusahaan yang meliputi:
• Keterbukaan informasi kepada masyarakat, termasuk ketersediaan informasi pada Situs Web.
• Penyampaian laporan kepada Otoritas Jasa Keuangan
• Penyelenggaraan dan dokumentasi RUPS• Penyelenggaraan dan dokumentasi rapat Direksi
dan/atau Dewan Komisaris
• Pelaksanaan program orientasi terhadap Perseroan bagi Direksi dan/atau Dewan Komisaris
.
Sekretaris PerusahaanCorporate Secretary
EDUCATION AND TRAINING OF CORPORATE SECRETARY 2019
DUTIES AND RESPONSIBILITIESThe Corporate Secretary is responsible to provide advice to the Board of Directors regarding the issues related to the Company’s compliance with regulatory, rules and procedures as well as regulations that may impact the Board of Directors, and corporate governance best practices. The Corporate Secretary is responsible to provide input to the Board of Directors on their duties and obligations for the disclosure of their interests in the securities, conflict of interests that involve the Company, prohibition in securities transactions and prohibition in disclosure that may affect pricing.
The Corporate Secretary duties are as follows:1. Monitoring the Capital Market developments,
particularly the applicable regulations.
2. Assisting the Board of Directors and Board of Commissioners in the implementation of the Company’ Good Corporate Governance, including:• Disclosure of information to the public, including
the information availability at the Website.• Submission of reports to OJK
• Organization and documentation of the GMS• Organization and documentation of the Board of
Directors’ and/or the Board of Commissioners’ meetings
• Organization of the Company’s orientation program for the Board of Directors and/or the Board of Commissioners
Horizon of GrowtH 317PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
3. Sebagai penghubung antara Perseroan dengan Pemegang Saham, Otoritas Jasa Keuangan dan Pemangku Kepentingan lainnya.
LAPORAN SINGKAT PELAKSANAAN FUNGSI SEKRETARIS PERUSAHAAN TAHUN 20191. Mengikuti Perkembangan Peraturan Pasar Modal serta
memberikan masukan kepada Direksi maupun Dewan Komisaris khususnya terkait dengan dikeluarkannya peraturan baru dari otoritas Pasar Modal maupun dari Otoritas Jasa Keuangan.
2. Menyelenggarakan RUPS Tahunan yang diselenggarakan 12 Maret 2019 serta RUPS Luar Biasa yang diselenggarakan 12 Maret 2019 dan 10 Oktober 2019 dan mendokumentasikan risalah rapat, akta-akta RUPS beserta hal-hal lain yang terkait dengan pelaksanaan RUPS.
3. Menyelenggarakan dan menghadiri Rapat Dewan Komisaris dan Rapat Direksi.
4. Risalah Rapat Direksi dan Risalah Rapat Dewan Komisaris serta mendokumentasikan risalah-risalah Rapat tersebut.
5. Mengkaji website Perusahaan dan memberikan input informasi yang harus diungkapkan kepada publik.
6. Menyelenggarakan Paparan Publik pada 6 November 2019, guna memenuhi kewajiban penyampaian informasi kepada publik berdasarkan keputusan Bursa Efek Indonesia No. Kep-306/BEJ/07-2004 tentang Peraturan Nomor I-E.
7. Melakukan keterbukaan informasi kepada masyarakat dengan menyediakan informasi pada website, dan melaporkan kepada Bursa Efek Indonesia maupun Otoritas Jasa Keuangan setiap informasi yang material yang diperkirakan dapat mempengaruhi pemodal atau harga efek di Bursa.
Sekretaris PerusahaanCorporate Secretary
3. As a liaison between the Company and Shareholders, OJK, and other Stakeholders.
BRIEF REPORT ON THE CORPORATE SECRETARY FUNCTION IMPLEMENTATION IN 20191. Keeping up with the Capital Market Regulations
Development as well as provide input to the Board of Directors and Board of Commissioners specifically related to new regulations from the Capital Market regulators or the Financial Services Authority.
2. Organized the Annual GMS held on March 12, 2019, as well as Extraordinary GMS held on March 12, 2019 and October 10, 2019, and documents the meeting minutes, GMS deeds, and other matters related to the organization of GMS.
3. Organized and attended the Board of Commissioners and Board of Directors Meetings.
4. Prepared and documented the Meeting Minutes of the Board of Commissioners and Board of Directors Meetings.
5. Reviewed the Company’s website and uploaded information disclosure to the public.
6. Organized Public Expose on 21 November 2018, in order to meet the requirements of information disclosure to the public pursuant to the decree of Bursa Efek Indonesia No. Kep-306/BEJ/07-2004 regarding the Regulation No. I-E.
7. Carried out information disclosure to the public by providing information at the website, and reported every material information to Bursa Efek Indonesia and the Financial Services Authority, which are predicted may influence the investors or securities pricing at the stock exchange.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH318
HUBUNGAN DENGAN INVESTORBagi Perseroan, terjalinnya hubungan baik antara Perseroan dengan investor, regulator dan para pemangku kepentingan lainnya merupakan kewajiban yang mutlak jika hendak tumbuh berkelanjutan dan mampu mengambil keputusan yang tepat. Dalam rangka memenuhi prinsip Perseroan yang mudah dan transparan, Perseroan telah membentuk divisi yang secara khusus mengelola hal-hal terkait hubungan investor, yaitu Divisi Finansial Planning and Investor Relation. Perseroan secara berkala merilis laporan keuangan melalui situs resmi www.wom.co.id. Pada situs www.wom.co.id Perseroan juga menyediakan materi terkait kinerja bisnis perseroan yang dapat dilihat dan diunduh oleh calon investor.
Selain mempublikasikan berbagai informasi yang dibutuhkan melalui situs resmi, Perseroan juga memfasilitasi berbagai layanan informasi terkait investor, di antaranya melalui pertemuan secara langsung, konferensi telepon, korespondensi melalui surat elektronik, serta kunjungan langsung. Korespondensi melalui surat elektronik dapat dilakukan melalui alamat [email protected].
Sebagai bagian dari kewajiban Perseroan sebagai perusahaan Publik, Perseroan telah melaksanakan Paparan Publik (Public Expose) pada tanggal 6 November 2019. Public Expose ini dihadiri oleh pemegang saham, analis saham dan perwakilan Bank-Bank yang memiliki perjajian kerjasama dengan Perseroan.
INVESTOR RELATIONSFor the Company, maintaining good relationships between the Company and investors, the regulator and other stakeholders is an obligation in achieving sustainable growth and making appropriate decisions. To actualize the Company’s principles, easy and transparent, the Company has established a division with special duties to manage all investor-relation-related issues, namely the Financial Planning and Investor Relation Division. The Company periodically releases financial statements through its official website: www.wom.co.id. On www.wom.co.id, the Company also provides materials related to its business performance that can be viewed and downloaded by potential investors.
Aside from publishing information required through the Company’s official site, the Company also facilitates a variety of investor-related information services, among others, direct meeting, teleconference, email correspondence and direct visit. Email correspondence can be submitted to [email protected].
As part of the Company’s responsibilities as a public company, the Company had carried out a Public Expose on November 6, 2019. The Public Expose was attended by shareholders, stock analysts and the representatives of banks having cooperation agreement with the Company.
Sekretaris PerusahaanCorporate Secretary
Horizon of GrowtH 319PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Sepanjang 2019, Perseroan terlibat dalam 28 (dua puluh delapan) perkara dalam kedudukannya sebagai Penggugat, Tergugat, Pemohon, Termohon, Pelapor baik dalam Perkara Hubungan Industrial (perburuhan), Perkara Perdata, Perkara Pidana, serta Perpajakan, yang terdiri dari: 19 (sembilan belas) perkara Hubungan Industial, 6 (enam) perkara Perdata, 3 (tiga) perkara Pidana, dan 0 (Nol) perkara Pajak.
Adapun perincian perkara hukum yang dihadapi Perseroan sepanjang tahun 2019 adalah sebagai berikut:
No. Pokok Perkara/GugatanLawsuis
Status Perkara/GugatanLawsuit Status
Pengaruh terhadap Kondisi Perusahaan
Impact on the Company
1 Perkara antara Hendri Syahputra (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 366/Pdt.Sus-PHI/2017/PN.Mdn di Pengadilan Hubungan Industrial pada Pengadilan Negeri Medan
Case between Hendri Syahputra (“Plaintiff”) against the Company (“Defendant”) with Case Number 366 / Pdt.Sus-PHI / 2017 / PN.Mdn in the Industrial Relations Court at the Medan District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
2 Perkara antara Hotman Simanjuntak (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 12/Pdt.Sus-PHI/2018/PN.Tpg di Pengadilan Hubungan Industrial pada Pengadilan Negeri Tanjung Pinang
Case between Hotman Simanjuntak (“Plaintiff”) and the Company (“Defendant”) with Case Number 12 / Pdt.Sus-PHI / 2018 / PN.Tpg in the Industrial Relations Court at the Tanjung Pinang District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
3 Perkara antara Dody Maryusandi (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 39/Pdt.Sus-PHI/2018/PN.Pbr di Pengadilan Hubungan Industrial pada Pengadilan Negeri Pekanbaru
Case between Dody Maryusandi (“Plaintiff”) against the Company (“Defendant”) with Case Number 39 / Pdt.Sus-PHI / 2018 / PN.Pbr in the Industrial Relations Court at the Pekanbaru District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
4 Perkara antara Eka Saputra (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 43/Pdt.Sus-PHI/2018/PN.Pbr di Pengadilan Hubungan Industrial pada Pengadilan Negeri Pekanbaru
Case between Eka Saputra (“Plaintiff”) against the Company (“Defendant”) with Case Number 43 / Pdt.Sus-PHI / 2018 / PN.Pbr at the Industrial Relations Court at the Pekanbaru District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
Perkara HukumLitigation Case
Throughout 2019, the Company was involved in 28 (twenty eight) cases in its position as the Plaintiff, Defendant, Appellant, Appellee, Whistleblowers in Industrial Relations Case (labor), Civil Cases, Criminal Cases, as well as Taxes, which consists of: 19 (nineteen) Industrial Relations cases, 6 (fsix) Civil cases, 3 (three) Criminal case, and 0 (zero) Tax case.
The following are the details of the Company’s legal cases during 2019:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH320
No. Pokok Perkara/GugatanLawsuis
Status Perkara/GugatanLawsuit Status
Pengaruh terhadap Kondisi Perusahaan
Impact on the Company
5 Perkara antara Jimmy Wahyudi (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 109/Pdt.Sus-PHI/2018/PN.Sby di Pengadilan Hubungan Industrial pada Pengadilan Negeri Surabaya
Case between Jimmy Wahyudi (“Plaintiff”) against the Company (“Defendant”) with Case Number 109 / Pdt.Sus-PHI / 2018 / PN.Sby at the Industrial Relations Court at the Surabaya District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
6 Perkara antara Redius Sitanggang, SE (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 240/Pdt.Sus-PHI/2018/PN.Mdn di Pengadilan Hubungan Industrial pada Pengadilan Negeri Medan
Case between Redius Sitanggang, SE (“Plaintiff”) against the Company (“Defendant”) with Case Number 240 / Pdt.Sus-PHI / 2018 / PN.Mdn in the Industrial Relations Court at the Medan District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
7 Perkara antara Lady Khristanti Sitanggang, SE (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 128/Pdt.Sus-PHI/2018/PN.Sby di Pengadilan Hubungan Industrial pada Pengadilan Negeri Surabaya
Case between Lady Khristanti Sitanggang, SE (“Plaintiff”) against the Company (“Defendant”) with Case Number 128 / Pdt.Sus-PHI / 2018 / PN.Sby at the Industrial Relations Court at the Surabaya District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
8 Perkara antara Nur Aidawati (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 34/Pdt.Sus-PHI/2018/PN.Smg di Pengadilan Hubungan Industrial pada Pengadilan Negeri Semarang
Case between Nur Aidawati (“Plaintiff”) against the Company (“Defendant”) with Case Number 34 / Pdt.Sus-PHI / 2018 / PN.Smg at the Industrial Relations Court at the Semarang District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
9 Perkara antara Iskak Munawar (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 242/Pdt.Sus-PHI/2018/PN.Bdg di Pengadilan Hubungan Industrial pada Pengadilan Negeri Bandung
Case between Iskak Munawar (“Plaintiff”) against the Company (“Defendant”) with Case Number 242 / Pdt.Sus-PHI / 2018 / PN.Bdg at the Industrial Relations Court at the Bandung District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
10 Perkara antara Muhammad Kadri (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 286/Pdt.Sus-PHI/2018/PN.Mdn di Pengadilan Hubungan Industrial pada Pengadilan Negeri Medan
Case between Muhammad Kadri (“Plaintiff”) against the Company (“Defendant”) with Case Number 286 / Pdt.Sus-PHI / 2018 / PN.Mdn in the Industrial Relations Court at the Medan District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
Perkara HukumLitigation Case
Horizon of GrowtH 321PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
No. Pokok Perkara/GugatanLawsuis
Status Perkara/GugatanLawsuit Status
Pengaruh terhadap Kondisi Perusahaan
Impact on the Company
11 Perkara antara Anjas Sinurat, SE (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 285/Pdt.Sus-PHI/2018/PN.Mdn di Pengadilan Hubungan Industrial pada Pengadilan Negeri Medan
Case between Anjas Sinurat, SE (“Plaintiff”) against the Company (“Defendant”) with Case Number 285 / Pdt.Sus-PHI / 2018 / PN.Mdn in the Industrial Relations Court at the Medan District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
12 Perkara antara Galik Abdi Setyawarman,ST (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 16/Pdt.Sus-PHI/2019/PN.Plg di Pengadilan Hubungan Industrial pada Pengadilan Negeri Palembang
Case between Galik Abdi Setyawarman, ST (“Plaintiff”) against the Company (“Defendant”) with Case Number 16 / Pdt.Sus-PHI / 2019 / PN.Plg at the Industrial Relations Court at the Palembang District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
13 Perkara antara Syamsul Huda (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 9/Pdt.Sus.PHI/2019/PN.Dps di Pengadilan Hubungan Industrial pada Pengadilan Negeri Denpasar
Case between Syamsul Huda (“Plaintiff”) against the Company (“Defendant”) with Case Number 9 / Pdt.Sus.PHI / 2019 / PN.Dps at the Industrial Relations Court at the Denpasar District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
14 Perkara antara Rano Aditia Putra (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 48/Pdt.Sus-PHI/2019/PN.Plg di Pengadilan Hubungan Industrial pada Pengadilan Negeri Palembang
Case between Rano Aditia Putra (“Plaintiff”) against the Company (“Defendant”) with Case Number 48 / Pdt.Sus-PHI / 2019 / PN.Plg at the Industrial Relations Court at the Palembang District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
15 Perkara antara R. Irwan Kurniawan (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 195/pdt.sus-PHI/2019/pn bdg di Pengadilan Hubungan Industrial pada Pengadilan Negeri Bandung.
Case between R. Irwan Kurniawan (“Plaintiff”) against the Company (“Defendant”) with Case Number 195 / pdt.sus-PHI / 2019 / pn bdg in the Industrial Relations Court at the Bandung District Court.
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
16 Perkara antara Delvi Putranda (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 83/Pdt.Sus-PHI/2017/PN.Pbr di Pengadilan Hubungan Industrial pada Pengadilan Negeri Pekanbaru
Case between Delvi Putranda (“Plaintiff”) against the Company (“Defendant”) with Case Number 83 / Pdt.Sus-PHI / 2017 / PN.Pbr at the Industrial Relations Court at the Pekanbaru District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
Perkara HukumLitigation Case
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH322
No. Pokok Perkara/GugatanLawsuis
Status Perkara/GugatanLawsuit Status
Pengaruh terhadap Kondisi Perusahaan
Impact on the Company
17 Perkara antara Anil Dewen (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 96/Pdt.Sus-PHI/2017/PN.Pbr di Pengadilan Hubungan Industrial pada Pengadilan Negeri Pekanbaru
Case between Anil Dewen (“Plaintiff”) and the Company (“Defendant”) with Case Number 96 / Pdt.Sus-PHI / 2017 / PN.Pbr at the Industrial Relations Court at the Pekanbaru District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
18 Perkara antara Robiana Andi (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 63/Pdt.Sus.PHI/2018/PN.BDG di Pengadilan Hubungan Industrial pada Pengadilan Negeri Bandung
Case between Robiana Andi (“Plaintiff”) against the Company (“Defendant”) with Case Number 63 / Pdt.Sus.PHI / 2018 / PN.BDG at the Industrial Relations Court at the Bandung District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
19 Perkara antara Edi Handoko Lumbangaol (“Penggugat”) melawan Perseroan (“Tergugat”) dengan Nomor Perkara 9/Pdt.Sus.PHI/2016/PN.Pbr di Pengadilan Hubungan Industrial pada Pengadilan Negeri Pekanbaru
Case between Edi Handoko Lumbangaol (“Plaintiff”) against the Company (“Defendant”) with Case Number 9 / Pdt.Sus.PHI / 2016 / PN.Pbr in the Industrial Relations Court at the Pekanbaru District Court
Proses KasasiCassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
20 Perkara Perdata No. 225/Pdt.G/2018/PN.Skt di Pengadilan Negeri Surakarta perihal Gugatan Perbuatan Melawan Hukum yang diajukan oleh Dwimoko Bardiyanto (Nasabah) melalui kuasa hukum Law Firm MK & Colleague terhadap perseroan
Civil Case No. 225 / Pdt.G / 2018 / PN.Skt in the Surakarta District Court regarding a Lawsuit Against the Law filed by Dwimoko Bardiyanto (Customer) through the attorney of the Law Firm MK & Colleague against the company
Proses Kasasi Cassation Appeal Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
21 Perkara Perdata No. 34/Pdt.G/2019/PN.Mlg di Pengadilan Negeri Malang perihal Gugatan Perbuatan Melawan Hukum yang diajukan oleh Drs. H. Yasin (Non-Nasabah) melalui kuasa hukum Budhi Ariyanto, SH. terhadap perseroan.
Civil Case No. 34 / Pdt.G / 2019 / PN.Mlg in Malang District Court regarding Lawsuit Against the Law filed by Drs. H. Yasin (Non-Customer) through legal counsel Budhi Ariyanto, SH. towards the company.
Proses Pengadilan Negeri MalangMalang District Court Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
22 Perkara Perdata No. 71/Pdt.G/2019/PN.Plg di Pengadilan Negeri Palembang perihal Gugatan Perbuatan Melawan Hukum yang diajukan oleh Yusuf Nurhadi (Non-Nasabah) melalui kuasa hukum Yogi Pajar Suprayogi Partner’s terhadap perseroan.
Civil Case No. 71 / Pdt.G / 2019 / PN.Plg at the Palembang District Court regarding Laws Against Legal Proposals filed by Yusuf Nurhadi (Non-Customer) through Yogi Pajar Suprayogi Partner’s legal counsel against the company.
Proses Pengadilan Negeri PalembangPalembang District Court Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
Perkara HukumLitigation Case
Horizon of GrowtH 323PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
No. Pokok Perkara/GugatanLawsuis
Status Perkara/GugatanLawsuit Status
Pengaruh terhadap Kondisi Perusahaan
Impact on the Company
23 Perkara Perdata No. 164/pdt.G/2019/pn.Byw di Pengadilan Negeri Banyuwangi perihal Gugatan Perbuatan Melawan Hukum yang diajukan oleh Andri Yuanda Putra (Nasabah) melalui kuasa hukum Eny Setiawati, S.H, C.P.L & partners terhadap perseroan.
Civil Case No. 164 / pdt.G / 2019 / pn.Byw in the Banyuwangi District Court regarding Laws Against Legal Proposals filed by Andri Yuanda Putra (Customer) through the legal counsel of Eny Setiawati, S.H, C.P.L & partners towards the company.
Proses Pengadilan Negeri BanyuwangiBanyuwangi District Court Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
24 Perkara Perdata No. 185/pdt.G/2019/PN.Plg di Pengadilan Negeri Palembang perihal Gugatan Perbuatan Melawan Hukum yang diajukan oleh Jefryon (Nasabah) melalui Kantor Hukum Publik & Privat terhadap perseroan.
Civil Case No. 185 / pdt.G / 2019 / PN.Plg at the Palembang District Court regarding Lawsuit Against Laws filed by Jefryon (Customer) through the Public & Private Law Offices against the company.
Proses Pengadilan Negeri PalembangPalembang District Court Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
25 Perkara Perdata No. 185/pdt.G/2019/PN.Plg di Pengadilan Negeri Lubuk Pakam perihal Gugatan Perbuatan Melawan Hukum yang diajukan oleh Dippu Sahala Simanjuntak (Nasabah) melalui Kantor Hukum Law Office “Muhammad Raja & Associates terhadap perseroan.
Civil Case No. 185 / pdt.G / 2019 / PN.Plg in the Lubuk Pakam District Court regarding Laws Against Legal Proposals filed by Dippu Sahala Simanjuntak (Customer) through the Law Office “Muhammad Raja & Associates Law Offices against the company.
Proses Pengadilan Negeri Lubuk PakamLubuk Pakam District Court Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
26 Perkara Tindak Pidana Umum berdasarkan surat tanda penerimaan laporan No. STTPLP/B-22/X/2019/RES LAHAT/SEKTA LAHAT di Kepolisian Sektor Kota dengan terlapor Randy Irawan yang merupakan karyawan Perseroan.
The General Crimes Case is based on the letter of receipt of the report No. STTPLP / B-22 / X / 2019 / RES LAHAT / SEKTA LAHAT in the City Sector Police with reported Randy Irawan who is a Company employee.
P-21 Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
27 Perkara Tindak Pidana Umum No. 2255/Pid.B/2019/PN Tng di Pengadilan Negeri Tangerang dengan terdakwa Sariul Hirka yang merupakan karyawan Perseron.
Case for General Crimes No. 2255 / Pid.B / 2019 / PN Tng in the Tangerang District Court with defendant Sariul Hirka who is a Company employee.
Proses Pengadilan Negeri TangerangTangerang District Court Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
28 Perkara Tindak Pidana Umum No. 1945/Pid.B/2019/PN Plg di Pengadilan Negeri Palembang dengan terdakwa Fadly yang merupakan karyawan Perseron.
Case for General Crimes No. 1945 / Pid.B / 2019 / PN Plg in Palembang District Court with defendant Fadly who is a Company employee.
Proses Pengadilan Negeri PalembangPalembang District Court Process
Tidak berdampak secara material terhadap kondisi keuangan Perusahaan.Has no material impact on the Company’s financial condition.
Perkara HukumLitigation Case
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH324
Selama tahun 2019 Perseroan memperoleh 1 (satu) sanksi administratif, yaitu keterlambatan penyampaian Laporan debitur dan koreksi Laporan debitur bulan Mei 2019 dari Otoritas Jasa Keuangan yang tidak material dan yang tidak mempengaruhi kelangsungan usaha Perseroan maupun sanksi administratif yang dikenakan kepada anggota Direksi dan/atau Dewan Komisaris Perseroan karena kelalaian anggota Direksi dan/atau Dewan Komisaris Perseroan.
Sanksi AdministratifAdministrative Sanctions
Akses Informasi & Data PerusahaanInformation Access & Company Data
There were 1 (one) administrative sanctions during 2019, which are materials from the relevant regulators that may influence the Company’s business continuity, or administrative sanctions rendered to members of the Company’s Board of Directors and/or Board of Commissioners due to the negligence of members of the Company’s Board of Directors and/or Board of Commissioners.
Informasi mengenai produk dan layanan, kegiatan, aksi korporasi, dan lain-lain disajikan melalui website Perseroan, yaitu http://www.wom.co.id. Pelanggan juga bisa mendapatkan informasi yang terperinci dengan menghubungi call center Perseroan dengan nomor akses +628041123888 atau menghubungi kantor layanan terdekat.
Tidak hanya bagi pelanggan, kemudahan akses informasi juga diberikan kepada investor dan calon investor, yaitu dengan menghubungi Investor Relations Perseroan melalui alamat surat elektronik [email protected].
Selain itu, Perseroan juga melakukan keterbukaan informasi terkait fakta material atau hal-hal lain telah ditentukan oleh peraturan terkait melalui surat kepada OJK dan Bursa Efek Indonesia. Keterbukaan Informasi kemudian juga dapat diakses oleh public melalui www.idxnet.co.id.
Sebagai bagian dari penyediaan Informasi bagi stakeholder, pada tahun 2019, perseroan telah mengeluarkan siaran pers, antara lain:
Selama tahun 2019, Perseroan telah melaksanakan korespondensi dengan Otoritas Jasa Keuangan dan Bursa Efek Indonesia serta otoritas terkait lainnya, antara lain:
The information on products and services, events, corporate actions and others is also presented in the Company’s website, http://www.wom.co.id. The customers can also obtain detailed information by contacting the Company’s call center at +628041123888 or by contacting the Company’s nearest service offices.
Furthermore, investors and potential investors can also contact the Company’s Investor Relations via email [email protected] to access information.
Moreover, the Company also discloses information related to the material facts or other matters specified by the relevant regulations through a correspondence with OJK and the Indonesia Stock Exchange. The disclosure of Information can also be accessed by the public through www.idxnet.co.id.As part of its actions in providing information for the stakeholders, the Company had issued 968 press releases in 2019.
Throughout 2019, the Company has published the correspondence with the Financial Services Authority and Bursa Efek Indonesia as well as other relevant regulators, as follows:
Horizon of GrowtH 325PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
OJK
No No Surat Tanggal Kepada Perihal
1 002/I/CS/2019 15-Jan-19 OJK Laporan Realisasi Penawaran Umum Terbatas (“PUT I”) kepada Para Pemegang Saham Perseroan dalam rangka Penerbitan Hak Memesan Efek Terlebih Dahulu (“HMETD”)
2 003/I/CS/2019 15-Jan-19 OJK Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Berkelanjutan II Tahap I, II, III, IV, V Obligasi WOM Finance Tahun 2016,2017 dan 2018
3 004/I/CS/2019 15-Jan-19 OJK Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Berkelanjutan III Tahap I Obligasi WOM Finance Tahun 2018
4 005/I/CS/2019 24-Jan-19 OJK Pemberitahuan Rencana Penyelenggaraan RUPS PT. Wahana Ottomitra Multiartha
5 006/I/CS/2019 29-Jan-19 OJK Penyampaian Laporan Rencana Tahunan Pendidikan Dan Pelatihan PT Wahana Ottomitra Multiartha Tbk Tahun Anggaran 2019
6 007/I/CS/2019 30-Jan-19 OJK Penyampaian Laporan Rencana Bisnis Tahunan PT Wahana Ottomitra Multiartha Tbk
7 009/I/CS/2019 1-Feb-19 OJK Pemberitahuan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa PT Wahana Ottomitra Multiartha Tbk
8 010/I/CS/2019 1-Feb-19 OJK Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa PT Wahana Ottomitra Multiartha Tbk
9 019/II/CS/2019 15-Feb-19 OJK Penyampaian Laporan Keuangan Tahunan Periode 31 Des 2018
10 020/II/CS/2019 15-Feb-19 OJK Penyampaian Bukti Iklan di Media untuk laporan Keuangan Tahunan Periode 31 Desember 2018
11 024/II/CS/2019 18-Feb-19 OJK Penyampaian Laporan Tahunan Tahun Buku 2018
12 025/II/CS/2019 18-Feb-19 OJK Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa PT Wahana Ottomitra Multiartha Tbk
13 026/II/CS/2019 18-Feb-19 OJK Penyampaian Bukti Iklan “ Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa” PT Wahana Ottomitra Multiartha Tbk
14 030/II/CS/2019 22-Feb-19 OJK Tanggapan atas surat Otoritas Jasa Keuangan (OJK) No. S-40/NB.1/2019 tentang Permintaan Daftar Pemegang Saham sampai dengan Ultimate Shareholder/Beneficial Owner Perusahaan Pembiayaan
15 031/II/CS/2019 25-Feb-19 OJK Perbaikan atas Surat No. 024/II/CS/2019 tentang Penyampaian Laporan Tahunan PT Wahana Ottomitra Multiartha Tbk Tahun Buku 2018
16 032/II/CS/2019 25-Feb-19 OJK Tanggapan Surat Otoritas Jasa Keuangan No. S-98/NB.22/2019 tentang Pemberitahuan terkait Rencana Bisnis Tahunan 2019
17 074/III/CS/2019 6-Mar-19 OJK Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Berkelanjutan III Tahap I Obligasi WOM Finance Tahun 2018
18 0350/III/DIR-WOM/2019 14-Mar-19 OJK Laporan Pelaksanaan dan Hasil Keputusan Rapat Umum Pemegang Saham Tahunan & Luar Biasa PT Wahana Ottomitra Multiartha Tbk
19 0351/III/DIR-WOM/2019 14-Mar-19 OJK Penyampaian Bukti Iklan “ Hasil Rapat Umum Pemegang Saham Tahunan dan Luar Biasa” PT Wahana Ottomitra Multiartha Tbk
20 0352/III/DIR-WOM/2019 14-Mar-19 OJK Laporan Keterbukaan Informasi atau Fakta Material
21 0361/III/DIR-WOM/2019 14-Mar-19 OJK Jadwal Dividen
22 079/IV/CS/2019 5-Apr-19 OJK Penyampaian Realisasi pencapaian target rasio Saldo Piutang Pembiayaan (Outstanding Principal) neto terhadap total pendanaan PT Wahana Ottomitra Multiartha Tbk
23 085/IV/CS/2019 10-Apr-19 OJK Penyampaian Risalah Rapat Umum Pemegang Saham Tahunan & Luar Biasa dan Ringkasan Risalah Rapat Umum Pemegang Saham Tahunan & Luar Biasa PT Wahana Ottomitra Multiartha Tbk
24 086/IV/CS/2019 16-Apr-19 OJK Laporan Keterbukaan Informasi atau Fakta Material
25 090/IV/CS/2019 29-Apr-19 OJK Penyampaian Lap. Keuangan Triwulan I Periode 31 Maret 2019 PT. Wahana Ottomitra Multiartha
Akses Informasi & Data PerusahaanInformation Access & Company Data
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH326
No No Surat Tanggal Kepada Perihal
26 091/IV/CS/2019 6-May-19 OJK Penyampaian Realisasi pencapaian target rasio Saldo Piutang Pembiayaan (Outstanding Principal) neto terhadap total pendanaan PT Wahana Ottomitra Multiartha Tbk
27 0642/V/DIR-WOM/2019 13-May-19 OJK Surat Untuk Informasi Tambahan Penawaran Umum Berkelanjutan Obligasi Berkelanjutan III WOM Finance Tahap II Tahun 2019
28 0735/VI/DIR-WOM/2019 10-Jun-19 OJK Untuk Penyampaian Real.pencapaian target rasio saldo piutang mei 2019
29 101/VI/CS/2019 18-Jun-19 OJK Laporan Keterbukaan Informasi atau Fakta Material
30 105/VI/CS/2019 24-Jun-19 OJK Laporan Keterbukaan Informasi atau Fakta Material
31 110/VII/CS/2019 12-Jul-19 OJK Laporan Realisasi Penawaran Umum Terbatas (“PUT I”) kepada Para Pemegang Saham Perseroan dalam rangka Penerbitan Hak Memesan Efek Terlebih Dahulu (“HMETD”)
32 111/VII/CS/2019 12-Jul-19 OJK Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Berkelanjutan II Tahap II, III, IV, V Obligasi WOM Finance Tahun 2017 dan 2018
33 112/VII/CS/2019 12-Jul-19 OJK Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Berkelanjutan III Tahap I dan II Obligasi WOM Finance Tahun 2018 dan 2019
34 114/VII/CS/2019 18-Jul-19 OJK Penjelasan atas surat Otoritas Jasa Keuangan (OJK) No. S-771/PM.221/2019 tentang Penelaahan atas Laporan Tahunan 2018 PT Wahana Ottomitra Multiartha Tbk
35 119/VII/CS/2019 30-Jul-19 OJK Penyampaian Laporan Keuangan Tengah Tahunan Periode 30 Juni 2019 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
36 121/VII/CS/2019 30-Jul-19 OJK Penyampaian Bukti Iklan di Media untuk Laporan Keuangan Tengah Tahunan Periode 30 Juli 2019 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
37 122/VII/CS/2019 31-Jul-19 OJK Untuk Tanggapan RESOJK Rencana Bisnis Perusahan Pembiayaan
38 123/VIII/CS/2019 5-Aug-19 OJK Penyampaian Realisasi pencapaian target rasio Saldo Piutang Pembiayaan (Outstanding Principal) neto terhadap total pendanaan PT Wahana Ottomitra Multiartha Tbk
39 131/VIII/CS/2019 27-Aug-19 OJK Pemberitahuan Rencana RUPSLB
40 133/IX/CS/2019 3-Sep-19 OJK Pengumuman Rapat Umum Pemegang Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
41 134/IX/CS/2019 3-Sep-19 OJK Penyampaian Bukti Iklan Pengumuman Rapat Umum Pemegang Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
42 1126/IX/DIR-WOM/2019 05-Sep-19 OJK Untuk Penyampaian Real.pencapaian target rasio saldo piutang Agustus 2019
43 1143/IX/DIR-WOM/2019 10-Sep-19 OJK Pemberitahuan Pemberhentian Sementara Anggota Direksi PT. Wahana Ottomitra Multiartha
44 138/IX/CS/2019 18-Sep-19 OJK Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
45 139/IX/CS/2019 18-Sep-19 OJK Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
46 1289/X/DIR-WOM/2019 04-Oct-19 OJK Untuk Penyampaian Real.pencapaian target rasio saldo piutang September 2019
47 181/X/CS/2019 8-Oct-19 OJK Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Berkelanjutan III Tahap II Obligasi WOM Finance Tahun 2019
48 183/X/CS/2019 14-Oct-19 OJK Laporan Pelaksanaan dan Hasil Keputusan Rapat Umum Pemegang Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
49 184/X/CS/2019 14-Oct-19 OJK Penyampaian Bukti Iklan “ Hasil Rapat Umum Pemegang Saham Luar Biasa” PT Wahana Ottomitra Multiartha Tbk
50 185/X/CS/2019 14-Oct-19 OJK Laporan Keterbukaan Informasi atau Fakta Material
51 186/X/CS/2019 14-Oct-19 OJK Laporan Keterbukaan Informasi atau Fakta Material
Akses Informasi & Data PerusahaanInformation Access & Company Data
Horizon of GrowtH 327PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
No No Surat Tanggal Kepada Perihal
52 189/X/CS/2019 21-Oct-19 OJK Perubahan Susunan Direksi PT Wahana Ottomitra Multiartha Tbk
53 223/X/CS/2019 30-Oct-19 OJK Penyampaian Laporan Keuangan Triwulan III periode 30 September 2019 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
54 231/XI/CS/2019 5-Nov-19 OJK Penyampaian Realisasi pencapaian target rasio Saldo Piutang Pembiayaan (Outstanding Principal) neto terhadap total pendanaan PT Wahana Ottomitra Multiartha Tbk
55 233/XI/CS/2019 7-Nov-19 OJK Penyampaian Risalah Rapat Umum Pemegang Saham Luar Biasa dan Ringkasan Risalah Rapat Umum Pemegang Saham Luar Biasa PT Wahana Ottomitra Multiartha Tbk
56 242/XI/CS/2019 29-Nov-19 OJK Penyampaian Laporan Rencana Aksi Keuangan Berkelanjutan PT Wahana Ottomitra Multiartha Tbk
57 244/XII/CS/2019 2-Dec-19 OJK Penyampaian Laporan Rencana Bisnis Tahunan PT Wahana Ottomitra Multiartha Tbk
58 248/XII/CS/2019 4-Dec-19 OJK Penyampaian Realisasi pencapaian target rasio Saldo Piutang Pembiayaan (Outstanding Principal) neto terhadap total pendanaan PT Wahana Ottomitra Multiartha Tbk
59 252/XII/CS/2019 27-Dec-19 OJK Laporan Keterbukaan Informasi atau Fakta Material
Bursa
No No Surat Tanggal Kepada Perihal
1 001/I/CS/2019 8-Jan-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per Desember 2018 PT Wahana Ottomitra Multiartha Tbk
2 016/II/CS/2019 11-Feb-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per Januari 2019 PT Wahana Ottomitra Multiartha Tbk
3 076/III/CS/2019 11-Mar-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per Februari 2019 PT Wahana Ottomitra Multiartha Tbk
4 084/IV/CS/2019 10-Apr-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per maret 2019 PT Wahana Ottomitra Multiartha Tbk
5 097/VI/CS/2019 12-Jun-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per mei 2019 PT Wahana Ottomitra Multiartha Tbk
6 107/VII/CS/2019 5-Jul-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per Juni 2019 PT Wahana Ottomitra Multiartha Tbk
7 120/VII/CS/2019 30-Jul-19 Bursa Penyampaian Laporan Keuangan Tengah Tahunan Periode 30 Juni 2019 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
8 125/VIII/CS/2019 6-Aug-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per Juni 2019 PT Wahana Ottomitra Multiartha Tbk
9 136/IX/CS/2019 8-Sep-19 Bursa laporan bulanan registrasi pemegang efek per agustus 2019
10 180/X/CS/2019 8-Oct-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per September 2019 PT Wahana Ottomitra Multiartha Tbk
11 190/X/CS/2019 22-Oct-19 Bursa Rencana Penyelenggaraan Public Expose Tahunan
12 224/X/CS/2019 30-Oct-19 Bursa Penyampaian Laporan Keuangan Triwulan III periode 30 September 2019 PT Wahana Ottomitra Multiartha Tbk (Unaudited)
13 229/X/CS/2019 31-Oct-19 Bursa Penyampaian materi Public Expose Tahunan PT Wahana Ottomitra Multiartha Tbk
14 235/XI/CS/2019 8-Nov-19 Bursa Laporan Registrasi Efek Per Oktober 2019
15 236/XI/CS/2019 11-Nov-19 Bursa Laporan Pelaksanaan Public Expose Tahunan PT Wahana Ottomitra Multiartha Tbk
16 249/XII/CS/2019 4-Dec-19 Bursa Penyampaian Laporan Bulanan Registrasi Pemegang Efek per November 2019 PT Wahana Ottomitra Multiartha Tbk
Akses Informasi & Data PerusahaanInformation Access & Company Data
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH328
Dalam mewujudkan visi dan misinya, Perseroan berkomitmen untuk menjalankan bisnisnya sesuai dengan standar etika tertinggi dalam hal kejujuran, integritas dan profesional dalam berbisnis. Oleh karena itu, Kode Etik dan Pedoman Perilaku yang disusun Perseroan memberikan pedoman standar perilaku minimum yang diharapkan untuk dipatuhi oleh segenap karyawan termasuk jajaran Direksi, Dewan Komisaris, Dewan Pengawas Syariah dan Komite-Komite Perseroan yang dibentuk.
Pokok-Pokok Kode Etik danPedoman Tingkah LakuKode Etik dan Pedoman Tingkah Laku yang berlaku di Perseroan meliputi beberapa bagian, yaitu:1. Nilai-nilai Dasar (Core Values) yang berisi nilai-
nilai budaya di Perseroan yang diharapkan dapat diterapkan menjadi etos kerja seluruh pihak yang bekerja di Perseroan.
2. Komitmen Atas Kode etik dan Pedoman Tingkah Laku, yang berisi pernyataan persetujuan dari seluruh pihak yang bekerja di Perseroan untuk berkomitmen atas Kode Etik dan pedoman Tingkah Laku Perseroan.
3. Standar-standar (norma-norma) tingkah laku dalam Kode Etik dan Pedoman Tingkah Laku yang terdiri atas:a. Tanggungjawab kepada Perseroan, yang memuat:
• Standar Etika;• Kebijakan dan strategi perusahaan;• Bertindak dengan itikad baik, jujur dan
profesional;• Bekerja dengan memberikan karya terbaik;• Menggunakan dan menjaga aset Perseroan;• Menolak pencucian uang dan pembiayaan
terorisme;• Penggunaan media sosial;• Kebijakan untuk pelaporan pelanggaran
(whistleblowing).b. Tanggungjawab di tempat kerja, yang memuat:
• Praktik penggunaan tenaga kerja secara adil dan jujur;
• Menjaga hubungan baik antar personil Perseroan;
• Menjaga kesehatan dan keselamatan kerja;• Sopan santun berpakaian di lingkungan kerja
Perseroan;• Pekerjaan di luar Perseroan atau kepentingan
bisnis eksternal;• Budaya tanggung jawab sosial perusahaan
(corporate social responsibility).c. Etika Mewakili Perseroan dan Berinteraksi Dengan
Pihak Luar, yang memuat:• Perlakuan yang adil;• Dasar kerjasama dengan pemasok (vendor);• Pernyataan kepada publik atau massa;• Hadiah dan hiburan;• Menjaga pemisahan tugas dan tanggung
jawab (segregation of duties).
Kode EtikCode of Conduct
In realizing its vision and mission, the Company committed to implement its business in accordance with the highest ethical standard in terms of honesty, integrity and professionalism in business. To that end, the Company’s Code of Conduct provides the minimum conduct guidelines that expected to be obeyed by all employees including the Company’s Board of Directors, Board of Commissioners, Sharia Supervisory Board and the Committees.
Code of Conducts Key Points
The applicable Code of Conduct in the Company covers several parts, which are:1. Core values containing the Company’s corporate
culture that expected to be implemented as work ethics of all the Company’s employees.
2. Code of Conduct commitment, containing approval statements from all the Company’s employees to render its commitment toward the Company’s Code of Conduct.
3. Standards of behavior (norms) within the Code of Conduct, which consist of:a. Responsibility to the Company, which covers:
• Ethical Standard;• Company’s policies and strategy;• Act in good faith, honest and professional;
• Work with best performance;• Use and maintain the Company’s assets• Refuse money laundering and terrorism
funding;• Usage of social media;• Whistleblowing system policy
b. Responsibility at work place, which covers:• Fair and honest practices of manpower
usage;• Maintain good relations between the
Company’s personnel;• Maintain occupational health and safety;• Decent way of clothing in the Company’s
work place;• External works or external business interests;
• Corporate social responsibility culture.
c. Ethics in Representing the Company and Interacting with External Parties, which covers:• Fair treatment;• Cooperation base with vendors;• Public or mass statements;• Presents and entertainment;• Maintain the segregation of duties.
Horizon of GrowtH 329PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
d. Kerahasiaane. Investasi dan Kegiatan Luar, yang memuat:
• Perdagangan orang dalam (insider trading);• Mengelola benturan kepentingan.
f. Kepatuhang. Sanksi
4. Pernyataan Komitmen Pribadi
Pemberlakuan Kode Etik dan Pedoman Tingkah Laku Kode Etik dan Pedoman Tingkah Laku Perseroan berlaku untuk seluruh insan di Perseroan, yang mencakup atas: • Segenap karyawan Perseroan; • Anggota Direksi, Dewan Komisaris dan Dewan
Pengawas Syariah Perseroan; dan• Anggota Komite-Komite Perseroan yang dibentuk
dan bertanggungjawab kepada Direksi atau Dewan Komisaris Perseroan.
Penyebarluasan Kode Etik dan Pedoman Tingkah Laku Untuk memudahkan akses Personil Perseroan, buku Kode etik dan Pedoman Tingkah Laku juga dibuat dalam bentuk digital dan telah diunggah dan dapat diakses di sistem informasi berupa portal internal Perseroan.
Sanksi dalam Kode Etik dan Pedoman Tingkah Laku Atas Personil Perseroan dalam tingkatan apapun, apabila jelas terbukti telah melakukan pelanggaran terhadap Kode Etik dan Pedoman Tingkah Laku yang dapat mengakibatkan tindakan indisipliner, Perseroan akan mengeluarkan sanksi sesuai dengan tingkatan sanksi dalam ketentuan internal Perseroan dan/atau peraturan perundang-undangan yang berlaku.
Pelanggaran-pelanggaran terhadap Kode Etik dan Pedoman Tingkah Laku Perseroan dapat juga merupakan suatu pelanggaran terhadap ketentuan hukum yang dapat berisiko dikenakannya sanksi pidana dan sanksi perdata atas Personil Perseroan dan/atau Perseroan.
Jumlah Pelanggaran Kode Etik dan Pedoman Tingkah Laku Beserta Sanksi yang Diberikan Pada Tahun 2019Selama tahun 2019, Perseroan telah menyelesaikan kasus pelanggaran terhadap Kode Etik dan Pedoman Tingkah Laku dengan rekapitulasi pengenaan sanksi sebagai berikut:
No Jenis SanksiSanction Types
Jumlah Sanksi yang diberikanNumber of Snctions Given
1 Kinerja | Work Performance 466
2 Etos Kerja | Work Ethics 69
3 Peraturan Perusahaan | Company Regulation 469
d. Confidentialitye. Investment and External Activities, which covers:
• Insider trading;• Conflict of interests handling.
f. Complianceg. Sanctions
4. Personal Commitment Statement.
Code of Conduct Enforcements
The Company’s Code of Conduct is applicable for all of the Company’s employees, which covers:• The Company’s entire employees;• Members of the Company’s Board of Directors, Board
of Commissioners and Sharia Supervisory Board; and• The Company’s established Committees and
accountable to the Company’s Board of Directors or Board of Commissioners.
Code of Conduct Disseminations
For the accessibility to the Company’s employees, the Code of Conduct book is produced digitally and has been uploaded for access in information system in a form of the Company’s internal portal.
Code of Conduct Sanctions
In the event that any employees of the Company are proven violated the Code of Conduct that may cause disciplinary actions, the Company shall impose the sanctions in accordance with the sanction levels stated in the Company’s internal rules and/or prevailing regulatories.
The violations on the Company’s Code of Conduct may also in a form of breaching of the legal rules that may risk of being subjected to criminal and civil sanctions on the Company’s employees and/or the Company.
Total Violations of Code of Conduct and Sanctions during 2019
During 2019, the Company has settled the violations cases on Code of Conduct with the following sanctions recapitulation:
Kode EtikCode of Conduct
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH330
Budaya kerja yang diterapkan pada perusahaan ialah nilai-nilai yang terdiri atas Teamwork, Integrity, Growth, Excellence, & Efficiency serta Relationship Building (TIGER). Nilai-nilai ini merupakan nilai-nilai yang diterapkan oleh seluruh perusahan di bawah Maybank Group. Nilai-nilai TIGER dijabarkan sebagai berikut:
T: Teamwork (Bekerjasama sebagai sebuah tim yang dilandasi rasa saling menghargai, percaya dan menghormati)• Saling percaya dan saling menghargai• Berkomunikasi secara terbuka• Menjaga sinergi
I: Integrity (Berperilaku jujur, menjaga etika dan profesionalisme)• Berperilaku konsisten sesuai etika dan norma• Melakukan tindakan yang dapat
dipertanggungjawabkan
G:Growth (Berhasrat untuk terus menerus melakukan perbaikan dan inovasi serta pengembangan diri)• Perbaikan dan pembelajaran terus menerus• Inovasi (kreatif, berpikir jauh ke depan/visioner yang
dapat memberikan nilai tambah)• Proaktif• Menunjukkan dorongan untuk berprestasi
E:Excellent & Efficiency (Berkomitmen untuk menghasilkan kinerja terbaik, bekerja dengan cepat dan tepat dalam rangka memberikan layanan yang memuaskan)• Berorientasi pada pelayanan• Bekerja dengan cepat dan tepat• Mengutamakan efisiensi
R: Relationship Building (Berusaha untuk membangun dan memelihara hubungan baik yang saling menguntungkan)• Membangun jaringan yang luas• Memelihara relasi• Membangun hubungan baik dengan rekan kerja dan
para pemangku kepentingan
Budaya Kerja PerusahaanCorporate Culture
The corporate culture applied in the Company comprises values of Teamwork, Integrity, Growth, Excellence, Efficiency and Relationship Building (TIGER). These values are applied in all companies under the Maybank Group. TIGER is explained as follow:
T: Teamwork (Working as a team based on tolerance, mutual trust and respect)• Trust and respect each other• Communicate openly• Maintain the synergy
I: Integrity (Being honest, keeping good ethics and professionalism)• Behave in accordance with ethics and norms• Conduct accountable actions
G: Growth (Having desire to generate continuous improvement, innovation and self-development)• Improve and learn continuously• Innovate (being creative, forward-looking/visionary to
create additional value)• Proactive• Demonstrate motivation to excel
E: Excellent & Efficiency (Committed to generating the best performance, working fast and properly to give satisfying services)• Service-oriented• Work fast and properly• Prioritize efficiency
R: Relationship Building (Striving to build and maintain good and beneficial relationships)• Build vast network• Maintain relationship• Build a good relationship with colleagues and the
stakeholders
Horizon of GrowtH 331PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Kebijakan keberagaman Dewan Komisaris dan Direksi Perseroan didasarkan pada berbagai latar belakang yang berbeda, baik berdasarkan usia, latar belakang pendidikan serta pengalaman yang dibutuhkan dalam melaksanakan tugas dan tanggung jawabnya.
Keberagaman anggota Dewan Komisaris dan Direksi tercermin pada tabel dibawah ini.
NamaName
Jenis KelaminSex
Jenjang PendidikanEducation
UsiaAge
PengalamanExperience
I Nyoman Tjager Laki-laki / Male Doktoral / Doctor
Terlampir dalam profilShown in Proile
Robbyanto Budiman Laki-laki / Male Master
Garibaldi Thohir Laki-laki / Male Master
Myrnie Zachraini Tamin Perempuan / Female Master
Thilagavathy Nadason Perempuan / Female Sarjana / Bachelor
NamaName
Jenis KelaminSex
Jenjang PendidikanEducation
UsiaAge
PengalamanSex
Djaja Suryanto Sutandar Laki-laki / Male Sarjana / Bachelor
Terlampir dalam profilShown in Profile
Zacharia Susantadiredja Laki-laki / Male Sarjana / Bachelor
Anthony Y. Panggabean Laki-laki / Male Sarjana / Bachelor
Njauw Vido Onadi Laki-laki / Male Master
Kebijakan Mengenai Keberagaman Komposisi
Dewan Komisaris & DireksiPolicy of Diversity of The Board of Commissioners & Board
of Directors Composition
The diversity policy of the Company’s Board of Commissioners and Board of Directors is based on different age, educational background and experience required in performing their duties and responsibilities.
The diversity of the Board of Commissioners and Board of Directors composition is shown in the table below:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH332
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 35/POJK.05/2018 tentang Penyelanggaran Usaha Perusahaan Pembiayaan, Perseroan telah melakukan berbagai upaya untuk memantau dan memitigasi risiko fraud melalui penerapan 4 pilar yaitu: 1. Pencegahan 2. Deteksi 3. Investigasi, Pelaporan dan Sanksi 4. Pemantauan, Evaluasi dan Tindak Lanjut
Sebagai upaya untuk memantau dan mengendalikan fraud pada pilar deteksi, Perseroan menyediakan kebijakan whistleblowing system sebagai sarana laporan pengaduan fraud dari seluruh karyawan Perseroan baik di cabang, business unit maupun kantor pusat, hasil temuan Internal Audit dan Anti Fraud serta dari pihak eksternal kepada Presiden Direktur dengan menitikberatkan pada pengungkapan dari pengaduan untuk meningkatkan efektivitas penerapan sistem pengendalian fraud.
Whistleblowing System sebagai salah satu program Strategi Anti Fraud yang bertujuan untuk: 1. Mendeteksi kejahatan fraud atau indikasi fraud
melalui laporan pengaduan yang dapat disampaikan dengan mencantumkan secara jelas identitasnya, untuk selanjutnya dapat dilakukan proses investigasi ataupun tindakan tindak lanjut.
2. Mendorong awareness atau kepedulian seluruh karyawan untuk turut serta menjaga unit kerjanya dari kerugian akibat fraud sehingga kualitas pengawasan lebih baik dan rasa ikut memiliki (sense of belonging) karyawan menjadi lebih tinggi.
3. Meningkatkan reputasi perusahaan khususnya dalam konteks Good Corporate Governance (GCG) yang akan meningkatkan citra perusahaan karena memiliki kelengkapan perangkat anti fraud yang memadai.
Penyampaian Laporan PelanggaranPerseroan menyediakan fasilitas penyampaian laporan pelanggaran baik yang masih berupa dugaan maupun telah terbukti terjadi melalui email Jendela ([email protected]). Laporan yang diterima akan diproses sesuai dengan kebijakan SOP dan peraturan lainnya yang berlaku di Perseroan.
Indikasi fraud atau fraud dapat disampaikan oleh pelapor (risk owner) melalui mekanisme sebagai berikut: 1. Risk owner mengirimkan laporan ke email Jendela
Sistem Pelaporan PelanggaranWhistleblowing System
Pursuant to Financial Services Authority Regulation No. 35 / POJK.05 / 2018 concerning Financing Business Financing Company, the Company has conducted monitoring and mitigation of fraud risk through the following 4 (four) pillars:
1. Prevention2. Detection3. Investigation, Reporting and Sanction4. Monitoring, Evaluation and Follow Up
In the effort to monitoring and control the fraud at detection pillar, the Company provides the whistleblowing system policy as a fraud reporting facility from the entire employess of Company at branches, business units and head office. Including finding results of Internal Audit and Quality Assurance & Litigation (QAL) as well as from external parties to the President Director, by emphasizing on whistleblowing disclosures to enhance the effectiveness of fraud control system implementation.
The Whistleblowing System as one of Anti Fraud Strategy programs, aims to:1. Detect fraud crimes or fraud indications through
whistleblowing report that can be submitted with clear identity, for further investigation process or follow up.
2. Bolster the awareness or engagement of all employees to participate and maintain their work units from any loss due to fraud thereby creating better oversight quality and higher sense of belonging within the employees.
3. Enhance the corporate reputation specifically in the context of Good Corporate Governance, which will improve the corporate image, resulted from the adequate anti fraud tools completeness.
Whistleblowing MechanismThe Company provides the whistleblowing reporting mechanism for both under presumption or has been proven to occur through email facility Jendela ([email protected]). The incoming reportings will be processed according to the SOP policy and other prevailing regulations at the Company.
Fraud Indications or fraud can be submitted by the risk owner through the following mechanisms:1. Risk owners submit the report to email Jendela
Horizon of GrowtH 333PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
2. Operational Risk & Enterprise Risk Management (OR & ERM) akan menerima email Jendela kemudian melakukan analisis kelayakan follow up risk event dan mendiskusikan pembagian tanggung jawab follow up risk event ke Tim Jendela.
3. Jika hasil analisis kelayakan follow up risk event, laporan tidak memenuhi standar kelayakan, maka risk owner akan mendapatkan feedback follow up risk event.
4. Jika hasil analisis kelayakan follow up risk event, laporan memenuhi standar kelayakan maka Tim Jendela akan menentukan Penanggung Jawab Investigasi berdasarkan analisis risk event, kategori kasus dan nilai kerugian yang ditimbulkan.
No PIC InvestigasiPIC of the Investigation
Analisis Risk EventRisk Event Analysis
Kategori KasusCase Category
Nilai KerugianLoss Value
1 Internal Audit Sistematik Systematic
Non pidanaNon CriminalUndefined
Tidak dibatasiUnlimited
2 Anti Fraud SistematikNon Sistematik
PidanaCriminal
Sekurang-kurangnya Rp. 2.500.000At least Rp2.500.000
a. Sistematik :Insiden yang dilakukan oleh lebih dari dua orang dan atau ada keterlibatan lintas fungsi, minimal melibatkan satu karyawan level Head dan berulang tanpa bisa terindetifikasi oleh risk owner.
b.Non Sistematik
:Insiden yang dilakukan oleh paling banyak dua orang dalam satu unit kerja dimana pelaku berada pada level staf dan atau supervisor.
c. Non Pidana :Kasus yang tidak berkaitan dengan hukum yang telah ditetapkan oleh Negara namun melanggar peraturan perusahaan, kode etik karyawan atau norma.
d. Pidana :Kasus yang berkaitan dengan hukum yang ditetapkan Negara yang ditunjukkan dengan adanya bukti awal yang memadai.
2. The Operational Risk & Enterprise RIsk Management (OR & ERM) will receive the email Jendela, then will analyse the qualification on the follow up risk event and to discuss the segregation of responsibilities for the follow up risk event to the Jendela Team.
3. If the qualification analysis result of the follow up risk event, in which the report does not meet the qualification standard, then the risk owner will receive the feedback of follow up risk event.
4. If the qualification analysis result of the follow up risk event, in which the report has met the qualification standard, then the Jendela Team will determine the Investigation PIC based on the risk event analysis, cases category and loss value that occurred.
Sistem Pelaporan PelanggaranWhistleblowing System
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH334
Bagan Penyampaian Laporan PelanggaranWhistleblowing Report Submission Diagram
Perlindungan Bagi WhistleblowerSetiap pelapor akan diberikan jaminan perlindungan dari Perseroan sebagai berikut:1. Email Jendela hanya bisa diakses oleh Direksi, Chief
Human Capital, Anti Fraud Division Head, Internal Audit Division Head dan Risk Management Division Head. Keterbatasan akses terhadap email ini berfungsi untuk menjaga kerahasiaan informasi/laporan berikut pelapornya.
2. Perusahaan menjamin kerahasiaan identitas pelapor (nama, alamat, nomor telepon, email dan unit kerja), serta memberikan perlindungan kepada pelapor dari segala bentuk ancaman, intimidasi ataupun tindakan tidak menyenangkan dari pihak manapun, selama atau sepanjang pelapor dapat menjaga kerahasiaan kasus yang diadukan atau dilaporkan.
3. Perlindungan ini juga berlaku bagi petugas yang ditunjuk perusahaan dalam melaksanakan investigasi, verifikasi maupun pihak-pihak yang memberikan informasi terkait dengan pengaduan dan fakta penyimpangan.
4. Para pihak yang diberikan kewenangan oleh perusahaan dalam proses terkait dengan pelaporan dan pengaduan, yang melanggar prinsip kerahasiaan akan diberikan sanksi sesuai dengan ketentuan dan peraturan yang berlaku di perusahaan.
Protection for WhistleblowersEvery whistleblowers (risk owners) will be given protection from Company, as follows:1. Email Jendela can only be accessed by the Board
of Directors, Chief Human Capital, Anti Fraud Division Head, Internal Audit Division Head and Risk Management Division Head. The access limitation of this email functioning to maintain confidentiality of information/ reports including the risk owners.
2. The Company guarantees the confidentiality of risk owners’ identity (name, address, telephon number, email and work unit), as well as provides protection for the risk owners from any form of threats, intimidations, or unpleasant acts from any parties, to the extent or so long as the risk owners can maintain the confidentiality of the claimed or reported cases.
3. This protection shall also apply to the officers appointed by the Company in doing the investigations, verifications or parties that provides relevant information on the whistleblowing and violations facts.
4. The parties obtained authorities by the Company in the process related to reporting and whistleblowing, which violates the principle of confidentiality, will be given sanctions in accordance with the prevailing rules and regulations in the Company.
Sistem Pelaporan PelanggaranWhistleblowing System
Horizon of GrowtH 335PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Penanganan Pengaduan1. Pengaduan yang berasal dari whistleblower yang
masuk ke email Jendela ([email protected]) akan dilakukan analisa oleh OR & ERM Department untuk menentukan pihak yang akan menangani pengaduan tersebut.
2. Laporan pengaduan yang perlu ditindaklanjuti akan ditransfer kasusnya secara resmi atau Officially Transferred Case (OTC) melalui email ke Internal Audit atau Anti Fraud sesuai dengan kategori kasusnya.
3. Pengaduan akan ditindaklanjuti oleh tim Internal Audit atau Anti Fraud, meliputi proses investigasi root cause, penyusunan kronologis insiden, action plan,hingga pemberian sanksi terhadap pelaku (baik sanksi perusahaan maupun sanksi hukum).
Pihak yang Mengelola Pengaduan1. Divisi Risk Management merupakan unit kerja yang
mengelola seluruh laporan pengaduan dari pelapor (risk owner).
2. Divisi Internal Audit merupakan unit kerja yang mengelola laporan pengaduan yang diterima dari Risk Management (sudah di-OTC dan merupakan kasus non-pidana atau undifined). Jika diperlukan, Internal Audit akan melakukan investigasi lebih lanjut pada laporan yang diterima.
3. Divisi Anti Fraud merupakan unit kerja yang mengelola laporan pengaduan yang diterima dari Risk Management (sudah di-OTC dan merupakan kasus pidana). Jika diperlukan, Anti Fraud akan melakukan investigasi lebih lanjut pada laporan yang diterima.
Complaint Handling1. The complaints from the whistleblowers received by
email Jendela ([email protected]) will be analyzed by the OR & ERM Department to determine the party that will handle such complaints.
2. The complaint reports that require a follow up will be officially transferred the case (OTC) through email to the Internal Audit or Anti Fraud in accordance with its cases category.
3. The complaints will be followed up by Internal Audit or Anti Fraud team, covering the process of root cause investigation, incident chronology development, action plan up to sanctions to the suspect (both company’s sanctions or legal sanctions).
Complaint Management1. The Risk Management Unit is a work unit managing all
whistleblowing reports from the risk owners.
2. The Internal Audit Unit is a work unit managing the incoming whistleblowing reports from the Risk Management (already OTC and a non-criminal cases or undefined). If required, the Internal Audit will investigate the incoming reports further.
3. The Anti Fraud Division is a work unit managing the incoming whistleblowing reports from the Risk Management (already OTC and a criminal cases). If required, the QAL will investigate the incoming reports further.
Sistem Pelaporan PelanggaranWhistleblowing System
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH336
Jumlah pengaduan yang masuk dan diproses pada tahun buku terakhirNumber of complaints received and processed in the last fiscal year
Region Jumlah KasusNumber of Cases Actual Loss Potensial Loss
Kantor Pusat | Head Office 3 104,829,828 -
Regional Jakarta-Tangerang-Serang 3 21,352,500 56,215,000
Regional Jawa Barat 3 - 21,573,500
Regional Jawa Tengah 4 - 58,680,867
Regional Jawa Timur, Bali, Nusa Tenggara 10 4,755,923 10,694,465
Regional Sumatera Bagian Utara 13 156,519,399 38,777,000
Regional Sumatera Bagian Selatan 15 65,977,629 111,439,333
Regional Kalimantan Sulawesi 4 44,178,539 71,316,743
Grand Total 55 397,613,818 368,696,908
Berdasarkan tipe KasusBased on Case Types
Tipe Kasus Status Kasus | Case Status TOTALLitigation Belum Lapor | Not Reported 3
Proses Lapor Polisi | Police Reporting Process 1
Proses Pemeriksaan Saksi Pelapor | Reporting Witness Examination Process 1
Proses Pemeriksaan Saksi Terlapor | Defendant Witness Examination Process 6
Proses Pemeriksaan Saksi Internal | Internal Witness Examination Process 5
Proses Pemeriksaan Saksi Eksternal | External Witness Examination Process 5
Proses Penangkapan Tersangka | Suspect Arresting Process 2
Penahanan Tersangka | Suspect Detention 2
Proses P21 (Kejaksaan) | P21 Process (Region Attorney Office) 1
Proses Sidang | Trial Process 2
Vonis | Verdict 6
Dpo 1
Case Closed (Litigation) 2
Litigation Total 37
Non Litigation Case Closed (Non Litigation) 4
- 14
Non Litigation Total 18
Grand Total 55
Sistem Pelaporan PelanggaranWhistleblowing System
Horizon of GrowtH 337PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnance
Sistem Pelaporan PelanggaranWhistleblowing System
Sanksi/tindak lanjut atas pengaduan yang telah selesai diproses pada tahun buku terakhirSanctions follow-up on complaints that have been processed in the last financial year
Kasus yang masuk ranah pengadilan dan telah diselesai diprosesCases that reached the court stages and have been processed
KejadianIncident Name
FungsiFunction
Status KasusCase Status
Total
Pengubahan Suku CadangChange Spare Part
Collection Case Closed (Non Litigation) 1
Aplikasi PenipuanFraud Apps
Marketing MobilkuCase Closed (Non Litigation) 2
Proses Sidang | Trial Process 1
Penjualan Jaminan secara IlegalIllegal Collateral Selling
Remedial Vonis | Verdict 1
Penggelapan AngsuranLapping Installment
Collection
Case Closed (Litigation) 1
Case Closed (Non Litigation) 1
Proses P21 (Kejaksaan) 1
Proses Sidang | Trial Process 1
Vonis | Verdict 4
Penggelapan UnitLapping Unit
Collection Vonis | Verdict 1
PencurianThievery
External Case Closed (Litigation) 1
Grand Total 15
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH340
Selain untuk memastikan agar manfaat kegiatan CSR dirasakan secara berkesinambungan oleh penerimanya, Perseroan meyakini bahwa pelaksanaan kegiatan CSR yang berkelanjutan akan menambah nilai perusahaan di mata masyarakat luas sebagai sebuah entitas yang beretika dan bertanggung jawab.
In addition to ensuring the benefits of CSR activities are sustainably enjoyed by its beneficiaries, the Company believes the implementation of sustainable CSR activities will add value to the community that firmly positioning the Company as an ethical and responsible entity.
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Kebijakan & KomitmenKebijakan pelaksanaan tanggung jawab sosial (Corporate Social Responsibility – CSR) Perseroan mengacu pada konsep triple bottom line yang terdiri dari keuntungan (profit), masyarakat (people) dan lingkungan (planet). Kegiatan pun perlu dilaksanakan secara berkelanjutan, selain untuk memastikan agar manfaat kegiatan dirasakan secara berkesinambungan oleh penerimanya, Perseroan juga meyakini bahwa pelaksanaan kegiatan CSR yang berkelanjutan akan menambah nilai perusahaan di mata masyarakat luas sebagai sebuah entitas yang beretika dan bertanggung jawab.
Sedangkan komitmen pelaksanaan CSR dituangkan ke dalam beberapa program yang dilaksanakan secara berkelanjutan yang berfokus pada beberapa bidang kegiatan, antara lain pengelolaan lingkungan hidup, pendidikan, kesehatan dan pemberdayaan serta pengembangan sosial dan kemasyarakatan.
Policy & CommitmentThe Company’s Corporate Social Responsibility (CSR) policy refers to the triple bottom line concept which consists of profit, people and planet. The activities are carried out sustainably, in addition to ensuring the benefits of CSR activities are sustainably enjoyed by its beneficiaries, the Company believes the implementation of sustainable CSR activities will add value to the community that firmly positioning the Company as an ethical and responsible entity.
Whereas the CSR commitment is represented into various programs that are continuously implemented focusing on activities such as environmental management, education, health and empowerment as well as social and community development.
Horizon of GrowtH 341PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
profil peru
sah
aa
nC
ompany Profile
an
alisis &
pemb
ah
asa
n m
an
ajem
enM
anagement’s D
iscussion & A
nalysis
Dasar PenerapanKegiatan CSR Perseroan mengacu pada peraturan dan perundang-undangan yang berlaku, diantaranya:1. Undang-Undang Republik Indonesia Nomor 25 Tahun
2007 tentang Penanaman Modal; 2. Undang-Undang Republik Indonesia Nomor 13 Tahun
2003 tentang Ketenagakerjaan;3. Undang-Undang Republik Indonesia Nomor 40 Tahun
2007 tentang Perseroan Terbatas; 4. Peraturan Pemerintah Nomor 47 Tahun 2012 tentang
Tanggung Jawab Sosial dan Lingkungan Perseroan Terbatas;
5. Peraturan Otoritas Jasa Keuangan Indonesia Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen di Sektor Jasa Keuangan.
Legal BasisThe Company’s CSR activities refer to the following regulatory and prevailing laws, as follows:1. Republic of Indonesia Law No. 25/2007 on the Equity
Investment;2. Republic of Indonesia Law No. 13/2003 on
Employment;3. Republic of Indonesia Law No. 40/2007 on the Limited
Liabilities Companies;4. Government Regulation No. 47/2012 on Corporate
Social Responsibility of Limited Liabilities Companies;
5. Financial Services Authority Regulation No 1/POJK.07/2013 on Consumer Protection in Financial Services Sector.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH342
Struktur Tanggung Jawab Sosial PerusahaanSeluruh kegiatan CSR Perseroan dikelola oleh Departemen Corporate Service and Communication yang bertanggung jawab kepada Sekretaris Perusahaan.
Struktur Pengelola Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility Management Structure
Corporate Service & Communication Department Head
Public Communication Specialist
CSR & Event Management Section Head
CSR & Event Management Staff
Corporate ServiceSection Head
Corporate Service Staff
Misi dan Tujuan CSRMisi dan Tujuan CSR Perseroan adalah sebagai berikut:
Misi• Mengimplementasikan komitmen Perseroan untuk
memberikan nilai tambah bagi pemangku kepentingan dalam upaya mendukung kemajuan Perseroan;
• Mewujudkan kepedulian sosial dan berusaha berkontribusi terhadap pengembangan masyarakat secara berkelanjutan.
Tujuan• Membangun harmonisasi dan menciptakan kondisi
yang kondusif untuk mendukung pertumbuhan Perseroan;
• Berkontribusi dalam peningkatan taraf hidup masyarakat serta memecahkan permasalahan sosial;
• Menginsepsi nilai dan budaya Perseroan yang terintegrasi dengan strategi bisnis Perseroan;
• Bagian dari upaya membangun citra Perseroan.
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
CSR Mission and ObjectivesThe Company’s CSR Mission and Objectives are as follows:
Mission• Implementing the Company’s commitment to provide
added value to stakeholders in an effort to support the Company’s progress;
• Providing social care and contributing to sustainable community development.
Objectives• Creating harmony and favorable environment to
support the growth of the Company;
• Contribute to improving people’s living standards and solving social problems;
• Incepting the Company’s values and culture that are integrated with the Company’s business strategy;
• As part of the efforts to build Company image.
Corporate Social Responsibility Structure
The Corporate Service and Communication Department is in charge of the Company’s CSR activities, this department is responsible to the Corporate Secretary.
Horizon of GrowtH 343PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Biaya dan Kegiatan CSRPer Desember 2019, realisasi anggaran Perseroan untuk kegiatan CSR sebesar Rp2,94 miliar dengan rincian biaya dan unit kegiatan sebagai berikut:
No. KegiatanActivity
Tanggal PelaksanaanDate
TempatVenue
Realisasi Realized Cost
(Rp)CSR BIDANG KESEHATAN | CSR IN HEALTHCARE
1. Seminar Kesehatan | Health Talk 26 Februari | February 2019 Kantor Pusat | Head Office 3,080,000
2.Pemeriksaan Mata Gratis | Free Vision Check Up
21 Maret | March 2019 Kantor Pusat | Head Office -
3.Donor Darah HUT WOM Finance ke 37 | Blood Donor for WOM Finance’s 37th Birthday
a. Regional Jatase | Jakarta-Tangerang-Serang Business Unit
23 Maret | March 2019 Cabang | Branch Depok 2,190,000
b. Regional Jawa Barat | West Java Business Unit
23 Maret | March 2019 Cabang | Branch Cirebon 2,320,000
c. Regional Jawa Tengah | Central Java Business Unit
23 Maret | March 2019 Cabang | Branch Brebes 2,260,000
d. Regional Jawa Timur | East Java Business Unit
9 Maret | March 2019 Cabang | Branch Mojokerto 2,260,000
e. Regional Sumatera Bagian Utara | North of Sumatera Business Unit
14 Maret | March 2019Cabang | Branch Lubuk
Pakam2,250,000
f. Regional Sumatera Bagian Selatan | South of Sumatera Business Unit
23 Maret | March 2019Cabang | Branch
Palembang2,210,000
g. Regional Kalimantan & Sulawesi | Kalimantan & Sulawesi Business Unit
23 Maret | March 2019Cabang | Branch
Samarinda2,350,000
h. Kantor Pusat | Head Office 21 Maret | March 2019 Altira Office Tower Lt 32 7,620,000
4.Mini MCU HUT WOM Finance ke 37 | Mini Medical Check Up for WOM Finance's 37th birthday
a. Regional Jatase | Jakarta-Tangerang-Serang Business Unit
23 Maret | March 2019Cabang | Branch
Rawamangun12,540,000
b. Regional Jawa Barat | West Java Business Unit
23 Maret | March 2019Cabang | Branch
Jatibarang11,300,000
c. Regional Jawa Tengah | Central Java Business Unit
23 Maret | March 2019Cabang | Branch
Yogyakarta12,500,000
d. Regional Jawa Timur | East Java Business Unit
12 Maret | March 2019 Cabang | Branch Malang 12,500,000
e. Regional Sumatera Bagian Utara | North of Sumatera Business Unit
20 Maret | March 2019 Cabang | Branch Lampung 6,230,000
CSR Cost and ActivitiesAs of December 2019, the budget realized for CSR activities was Rp2,94 billion with details as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH344
No. KegiatanActivity
Tanggal PelaksanaanDate
TempatVenue
Realisasi Realized Cost
(Rp)f. Regional Sumatera Bagian Selatan |
South of Sumatera Business Unit23 Maret | March 2019 Cabang | Branch Padang 12,500,000
g. Regional Kalimantan & Sulawesi | Kalimantan & Sulawesi Business Unit
23 Maret | March 2019 Cabang | Branch Palu 8,480,000
h. Kantor Pusat | Head Office 21 Maret | March 2019 Altira Office Tower Lt 32 7,000,000
5.Donor Darah Periode 2 | 2nd Blood Donor
27 Juni | June 2019 Kantor Pusat | Head Office 4,490,000
6.Aksi Layanan Sehat | Health Service Action
9 Agustus | August 2019 Kapos Koja - Jakarta Utara 370,000
7.Kerjasama Pengobatan Gratis dengan Gerai Sehat Rorotan | Free Medical Cooperation with Gerai Sehat Rorotan
27 Agustus | August 2019 Rorotan - Jakarta Utara 406,000,000
8.Edukasi Perilaku Hidup Bersih & Sehat | Clean & Healthy Life Behaviour Education
28 Agustus | August 2019TK B Babusallam - Jakarta
Timur1,560,000
9.Seminar Kesehatan Mental | Mental Health Awareness Seminar
5 September 2019 Kantor Pusat | Head Office 10,170,000
10.Pemeriksaan Penyakit Tidak Menular | Non Contagious Disease Check Up
18 September 2019RPTRA Rorotan Indah -
Jakarta Utara315,000
11.Edukasi Kesehatan Diabetes “Silent Killer” | Diabetes Health Education “Silent Killer”
25 September 2019RPTRA Budi Mulia - Jakarta
Utara2,790,000
12.Peningkatan Gizi Bayi & Balita | Improvement of Nutrient for Baby & Toddlers
8 Oktober | October 2019RPTRA Krendang - Jakarta
Barat1,620,000
13.Pemeriksaan Kesehatan Gratis di Multifinance Day | Free Medical Check Up in Multifinance Day
11 Oktober | October 2019 Tunjungan Plaza - Surabaya 7,480,000
14.Pemeriksaan Penyakit Tidak Menular | Non Contagious Disease Check Up
22 Oktober | October 2019Kantor RW 04 Kel. Rorotan
- Jakarta Utara1,080,000
15.Pemeriksaan Gigi dan Mulut | Mouth and Dental Check
12 November 2019SD N 03 Sunter Agung -
Jakarta Utara1,790,000
16.Pemeriksaan Penyakit Tidak Menular | Non Contagious Disease Check Up
29 November 2019RPTRA Budi Mulia
Pademangan Barat - Jakarta Utara
1,480,000
17. Thalassaemia Talk 3 Desember | December 2019Gerai Sehat Rorotan -
Jakarta Utara2,970,000
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Horizon of GrowtH 345PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
No. KegiatanActivity
Tanggal PelaksanaanDate
TempatVenue
Realisasi Realized Cost
(Rp)
18.Donor Darah Periode 4 | 4th Blood Donor
19 Desember | December 2019 Kantor Pusat | Head Office 3,240,000
19. Breast Cancer Talk 23 Desember | December 2019RPTRA Kalijodo - Jakarta
Barat2,280,000
CSR BIDANG PENDIDIKAN | CSR FOR EDUCATION
1.Penyuluhan Pendidikan Seks Anak-Anak | Counseling of Sex Education for Children
30 April 2019Pondok Belajar Tunas
Bangsa - Bintaro, Tangerang Selatan
16,570,000
2.Tamasya Bersama Pondok Belajar Tunas Bangsa ke KRI | Outing Together with Pondok Belajar Tunas Bangsa to KRI
4 Juli | July 2019 Kolinlamil - Jakarta Utara 13,920,000
3.Penyuluhan Kekerasan Dalam Rumah Tangga | Counseling on Domestic Violence
12 Juli | July 2019RPTRA Kalijodo - Jakarta
Barat10,600,000
4.Edukasi Aman dalam Berkendara | Safety Riding for Millenial
27 & 29 Agustus | August 2019 Wahana - Jatake 5,590,000
5.
Pengelolaan Sampah Anorganik (Sanitasi Total Berbasis Masyarakat) | Anorganic Waste Management (Sanitation for Public)
21 November 2019Gerai Sehat Rorotan -
Jakarta Utara1,070,000
6.
Pengelolaan Sampah Anorganik (Pengelolaan Sampah Plastik) | Anorganic Waste Management (Plastic Waste Management)
26 Desember | December 2019RPTRA Budi Mulia
Pademangan Barat - Jakarta Utara
3,430,000
CSR BIDANG SOSIAL KEMASYARAKATAN | CSR FOR SOCIAL ASSISTANCE
1.Sarapan Sehat Bersama Penyandang Thalassaemia | Breakfast with Thalassaemia Patients
28 Februari | February 2019RS Harapan Bunda -
Jakarta Timur32,460,000
2.Mendongeng Bersama Anak-Anak Penderita Kanker | Story-telling with Children with Cancer
8 Maret | March 2019 YKAKI - Jakarta Pusat 21,330,000
3.Nonton Bareng dengan Anak Berkebutuhan Khusus | Watching Movie with Special Needs Children
16 Maret | March 2019Mall Alam Sutera -
Tangerang18,070,000
4.
WOM Finance Berkarya Bersama Yayasan Biruku Indonesia | WOM Finance Working Creation Together with Biruku Indonesia Foundation
13 April 2019 Arcamanik - Bandung 17,900,000
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH346
No. KegiatanActivity
Tanggal PelaksanaanDate
TempatVenue
Realisasi Realized Cost
(Rp)5. Kampoeng Ramadhan 6-12 Mei | May 2019 Cabang | Branch Palopo 4,000,000
6. CSR Ramadhan 1440 H
Kantor Pusat | Head Office 17 Mei | May 2019Masjid Al Ikhlas Cempaka
Putih - Jakarta Pusat97,140,000
a. Regional Jatase | Jakarta-Tangerang-Serang Business Unit
8 Mei | May 2019 Cabang | Branch Balaraja 19,050,000
9 Mei | May 2019 Cabang | Branch Mauk 21,770,000
10 Mei | May 2019 Cabang | Branch Bekasi 19,200,000
b. Regional Jawa Barat | West Java Business Unit
18 Mei | May 2019 Cabang | Branch Cianjur 18,450,000
20 Mei | May 2019Cabang | Branch
Tasikmalaya18,250,000
21 Mei | May 2019 Cabang | Branch Cimahi 19,450,000
c. Regional Jawa Tengah | Central Java Business Unit
21 Mei | May 2019 Cabang | Branch Solo 19,050,000
22 Mei | May 2019 Cabang | Branch Semarang 19,090,000
24 Mei | May 2019 Cabang | Branch Tegal 19,110,000
d. Regional Jawa Timur | East Java Business Unit
11 Mei | May 2019 Cabang | Branch Mataram 18,640,000
13 Mei | May 2019 Cabang | Branch Denpasar 19,050,000
15 Mei | May 2019 Cabang | Branch Jombang 17,020,000
e. Regional Sumatera Bagian Utara | North of Sumatera Business Unit
18 Mei | May 2019Cabang | Branch
Pekanbaru19,390,000
20 Mei | May 2019 Cabang | Branch Batam 18,580,000
25 Mei | May 2019 Cabang | Branch Medan 13,140,000
f. Regional Sumatera Bagian Selatan | South of Sumatera Business Unit
15 Mei | May 2019 Cabang | Branch Lampung 19,190,000
15 Mei | May 2019 Cabang | Branch Jambi 21,260,000
21 Mei | May 2019Cabang | Branch Lubuk
Linggau19,070,000
g. Regional Kalimantan & Sulawesi | Kalimantan & Sulawesi Business Unit
18 Mei | May 2019 Cabang | Branch Gorontalo 19,050,000
24 Mei | May 2019Cabang | Branch
Balikpapan19,110,000
28 Mei | May 2019 Cabang | Branch Palu 19,050,000
7.Nonton Bareng dengan Anak Panti | Watching Movie with Orphanages
6 Juli | July 2019 Festival Citylink - Bandung 30,350,000
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Horizon of GrowtH 347PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
No. KegiatanActivity
Tanggal PelaksanaanDate
TempatVenue
Realisasi Realized Cost
(Rp)
8.Nonton Bareng dengan Anak Panti | Watching Movie with Orphanages
28 Juli | July 2019 Tunjungan Plaza - Surabaya 26,550,000
9.Pemasangan Kaki/Tangan Palsu | Installation of Peg Legs / Arms
3 Juli | July 2019 Wahana - Jatake242,290,000
1-2 Agustus | August 2019 Wahana - Jatake
10.Bantuan Sembako untuk Warga Kalibaru | Basic Food Packages for Kalibaru Community
9 Agustus | August 2019 Kalibaru - Jakarta Utara 31,080,000
11.
Penyembelihan Hewan Qurban di 14 Cabang (Idul Adha 1440 H) | Slaughter of Sacrificial Animals 14 Branches
a. Regional Jatase | Jakarta-Tangerang-Serang Business Unit
11 Agustus | August 2019 Cabang | Branch Mauk 21,820,000
11 Agustus | August 2019 Cabang | Branch Ciledug 21,810,000
b. Regional Jawa Barat | West Java Business Unit
11 Agustus | August 2019 Cabang | Branch Cimahi 21,830,000
11 Agustus | August 2019Cabang | Branch
Majalengka21,810,000
c. Regional Jawa Tengah | Central Java Business Unit
11 Agustus | August 2019 Cabang | Branch Kebumen 21,650,000
11 Agustus | August 2019 Cabang | Branch Brebes 23,620,000
d. Regional Jawa Timur | East Java Business Unit
11 Agustus | August 2019 Cabang | Branch Gresik 21,850,000
11 Agustus | August 2019Cabang | Branch Tulung
Agung21,460,000
e. Regional Sumatera Bagian Utara | North of Sumatera Business Unit
11 Agustus | August 2019 Cabang | Branch Medan 1 21,260,000
11 Agustus | August 2019 Cabang | Branch Batam 21,620,000
f. Regional Sumatera Bagian Selatan | South of Sumatera Business Unit
11 Agustus | August 2019 Cabang | Branch Lampung 21,800,000
11 Agustus | August 2019Cabang | Branch
Palembang21,800,000
g. Regional Kalimantan & Sulawesi | Kalimantan & Sulawesi Business Unit
11 Agustus | August 2019Cabang | Branch
Samarinda21,840,000
11 Agustus | August 2019 Cabang | Branch Pare-Pare 18,120,000
12.Bantuan Bencana Kabut Asap di Wilayah Sumatera | Assistance for Smoke Hazzard in Sumatera
15 September 2019Cabang | Branch
Palembang & Pekanbaru90,830,000
13.Bantuan Bencana Kabut Asap di wilayah Kalimantan | Assistance for Smoke Hazzard in Kalimantan
7 Oktober | October 2019Cabang | Branch
Samarinda, Bontang dan Balikpapan
74,150,000
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH348
No. KegiatanActivity
Tanggal PelaksanaanDate
TempatVenue
Realisasi Realized Cost
(Rp)
14.
Natal Bersama WOM Finance 2019 | Christmas with WOM Finance 2019
a. Regional Jatase | Jakarta-Tangerang-Serang Business Unit
10 Desember | December 2019Cabang | Branch
Tangerang12,500,000
12 Desember | December 2019 Cabang | Branch Ciledug 12,540,000
b. Regional Jawa Barat | West Java Business Unit
11 Desember | December 2019 Cabang | Branch Bogor 12,050,000
13 Desember | December 2019Cabang | Branch
Purwakarta11,780,000
c. Regional Jawa Tengah | Central Java Business Unit
5 Desember | December 2019Cabang | Branch
Wonosobo12,500,000
13 Desember | December 2019 Cabang | Branch Semarang 12,410,000
d. Regional Jawa Timur | East Java Business Unit
16 Desember | December 2019 Cabang | Branch Madiun 12,500,000
18 Desember | December 2019 Cabang | Branch Sidoarjo 12,490,000
e. Regional Sumatera Bagian Utara | North of Sumatera Business Unit
7 Desember | December 2019 Cabang | Branch Medan 1 12,500,000
14 Desember | December 2019Cabang | Branch
Pekanbaru10,970,000
f. Regional Sumatera Bagian Selatan | South of Sumatera Business Unit
11 Desember | December 2019 Cabang | Branch Baturaja 12,500,000
20 Desember | December 2019 Cabang | Branch Metro 12,500,000
g. Regional Kalimantan & Sulawesi | Kalimantan & Sulawesi Business Unit
16 Desember | December 2019 Cabang | Branch Makassar 11,810,000
20 Desember | December 2019 Cabang | Branch Bontang 12,500,000
CSR BIDANG LINGKUNGAN HIDUP | CSR FOR THE ENVIRONMENT
1. Conservation Talk 13 Maret | March 2019 Kantor Pusat | Head Office 3,980,000
2.
Perbaikan Ruang Terbuka Hijau (RTH) | Green Landscape Construction
a. Regional Jatase | Jakarta-Tangerang-Serang Business Unit
23 Maret | March 2019 Cabang | Branch Ciputat 45,560,000
b. Regional Jawa Barat | West Java Business Unit
23 Maret | March 2019 Cabang | Branch Bandung 44,890,000
c. Regional Jawa Tengah | Central Java Business Unit
23 Maret | March 2019 Cabang | Branch Klaten 50,000,000
d. Regional Jawa Timur | East Java Business Unit
23 Maret | March 2019 Cabang | Branch Genteng 50,500,000
e. Regional Sumatera Bagian Utara | North of Sumatera Business Unit
23 Maret | March 2019 Cabang | Branch Medan 48,880,000
f. Regional Sumatera Bagian Selatan | South of Sumatera Business Unit
23 Maret | March 2019Cabang | Branch
Kayuagung50,040,000
g. Regional Kalimantan & Sulawesi | Kalimantan & Sulawesi Business Unit
23 Maret | March 2019Cabang | Branch
Banjarbaru50,060,000
3.Pembuatan Rumah Hidroponik WOMunity | Construction of Hyrdroponic House WOMunity
23 Maret | March 2019RPTRA Budi Mulia
Pademangan Barat - Jakarta Utara
177,070,000
4.Perbaikan Masjid Baliase di Palu | Renovation of Mosque in Baliase, Palu
21 Mei | May 2019 Baliase - Kota Palu 58,400,000
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Horizon of GrowtH 349PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
No. KegiatanActivity
Tanggal PelaksanaanDate
TempatVenue
Realisasi Realized Cost
(Rp)
5.
Perbaikan 21 Gapura di 21 Cabang WOM Finance | Renovation of 21 Gates in 21 Branches
a. Regional Jatase | Jakarta-Tangerang-Serang Business Unit
17 Agustus | August 2019 Cabang | Branch Karawang 7,870,000
17 Agustus | August 2019 Cabang | Branch Balaraja 10,040,000
17 Agustus | August 2019 Cabang | Branch Serang 10,000,000
b. Regional Jawa Barat | West Java Business Unit
17 Agustus | August 2019 Cabang | Branch Kuningan 8,220,000
17 Agustus | August 2019Cabang | Branch
Sumedang7,060,000
17 Agustus | August 2019 Cabang | Branch Garut 8,370,000
c. Regional Jawa Tengah | Central Java Business Unit
17 Agustus | August 2019 Cabang | Branch Cilacap 10,000,000
17 Agustus | August 2019 Cabang | Branch Magelang 10,010,000
17 Agustus | August 2019Cabang | Branch
Purwodadi10,000,000
d. Regional Jawa Timur | East Java Business Unit
17 Agustus | August 2019 Cabang | Branch Malang 10,000,000
17 Agustus | August 2019 Cabang | Branch Pasuruan 10,000,000
17 Agustus | August 2019 Cabang | Branch Mataram 10,000,000
e. Regional Sumatera Bagian Utara | North of Sumatera Business Unit
17 Agustus | August 2019Cabang | Branch Lubuk
Pakam 9,440,000
17 Agustus | August 2019 Cabang | Branch Dumai 10,000,000
17 Agustus | August 2019 Cabang | Branch Batam 9,040,000
f. Regional Sumatera Bagian Selatan | South of Sumatera Business Unit
17 Agustus | August 2019 Cabang | Branch Bengkulu 9,270,000
17 Agustus | August 2019Cabang | Branch
Prabumulih8,630,000
17 Agustus | August 2019Cabang | Branch
Tugumulyo9,180,000
g. Regional Kalimantan & Sulawesi | Kalimantan & Sulawesi Business Unit
17 Agustus | August 2019Cabang | Branch
Bulukumba6,540,000
17 Agustus | August 2019Cabang | Branch
Tenggarong10,550,000
17 Agustus | August 2019 Cabang | Branch Berau 10,000,000
Grand Total 2,938,579,500
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH350
Tanggung Jawab Sosial Perusahaan Bidang Lingkungan HidupEnvironmental Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Horizon of GrowtH 351PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Tanggung jawab sosial perusahaan terhadap bidang lingkungan hidup diwujudkan melalui imbauan, maklumat dan peraturan perusahaan yang berlaku secara internal. Imbauan, maklumat dan peraturan perusahaan tersebut diharapkan dapat meminimalisasi dampak lingkungan atas kegiatan operasional Perseroan.
Menyadari dampak lingkungan yang timbul dari konsumsi energi dan kegiatan usahanya, Perseroan senantiasa berkomitmen tinggi terhadap kelestarian lingkungan. Secara spesifik, Perseroan telah memasang berbagai alat peraga, berupa ilustrasi visual, sebagai sosialisasi kepada seluruh karyawan tentang efisiensi pemakaian plastik, kertas serta penghematan tissue dan air di kalangan karyawan.
Pada tahun 2019, Perseroan telah melaksanakan program Go Green dan mendukungnya melalui beberapa kegiatan, diantaranya Conservation Talk terkait dengan bahaya limbah plastik, perbaikan Ruang Terbuka Hijau (RTH) dan pembuatan Rumah Hidroponik.
Selain itu, pada 17 Agustus 2019, Perseroan mengadakan acara perbaikan 21 (dua puluh satu) gapura secara serentak di 21 (dua puluh satu) cabang kantor Perseroan. Kegiatan ini bertujuan untuk menumbuhkan rasa kepedulian Perseroan kepada masyarakat sekitar kantor cabang. Selain itu, hal ini merupakan implementasi TIGER Core Value Teamwork & Relationship Building antara karyawan dan masyarakat di sekitar kantor cabang.
The corporate environmental responsibility is manifested through appeals, announcements and company regulations that applies internally. These are expected to minimize the environmental impact of the Company's operational activities.
Acknowledging the environmental impacts from energy consumption and business activities, the Company is always highly committed to environmental sustainability. Specifically, the Company has installed various displays such as visual illustrations, as a socialization to all employees on the efficient use of plastic, paper and saving tissue and water consumption.
The Company has carried out Go Green programs in 2019, and various activities were conducted to support this program, among others the Conservation Talk on the danger of plastic waste, renovation of Green Landscape and the construction of Hydroponic House.
Moreover, in August 17, 2019 the Company simultaneously organized renovation for 21 (twenty one) gates at the 21 (twenty one) branch offices of WOM Finance. This activity aims to foster a sense of engagement of the Company to the community around the branch offices. This is also serves as an implementation of TIGER Core Value Teamwork & Relationship Building between employees and the community around the branch offices.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH352
Tanggung Jawab Sosial Perusahaan Bidang Sosial KemasyarakatanSocial And Community Development Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Horizon of GrowtH 353PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Sebagai good corporate citizen, Perseroan senantiasa berperan aktif dalam pemberdayaan masyarakat, yang secara konsisten diwujudkan guna memberi dampak kemasyarakatan berupa peningkatan standar serta kualitas hidup masyarakat, khususnya masyarakat di sekitar lingkungan usaha Perseroan.
Sepanjang tahun 2019, Perseroan aktif melaksanakan berbagai kegiatan sosial kemasyarakatan, termasuk bantuan penanggulangan bencana, bantuan masyarakat berkebutuhan khusus dan partisipasi dalam kegiatan keagamaan, diantaranya:
a. Bantuan Bencana Kabut Asap di Sumatera dan KalimantanPada September 2019, terjadi kebakaran hutan yang menyebabkan bencana kabut asap. Sebagai bentuk tanggungjawab Perseroan kepada konsumen dan karyawan, Perseroan menyediakan masker pernapasan (N95), obat tetes mata dan multivitamin untuk menjaga kondisi tubuh agar tetap sehat.
b. Pengukuran dan Pemasangan Kaki/Tangan Palsu dan Brace untuk Penderita PolioPerseroan memberikan bantuan kaki/tangan palsu dan brace (untuk penderita Polio) bagi penyandang tuna daksa. Bantuan kaki/tangan palsu serta brace tersebut diberikan secara gratis kepada saudara-saudara kita yang membutuhkan. Kegiatan ini dilaksanakan bekerjasama dengan PT Wahana Makmur Sejati dan Yayasan Peduli Tuna Daksa (YPTD) dengan target 150 (seratus lime puluh) orang penyandang tuna daksa serta relawan dinas sosial di wilayah Tangerang Banten.
c. Donor Darah RutinPerseroan secara berkala bekerja sama dengan Palang Merah Indonesia (PMI) menyelenggarakan kegiatan donor darah. Sepanjang 2019, telah diselenggarakan sebanyak 3 (tiga) kali dan telah berhasil menyumbangkan sebanyak 720 (tujuh ratus dua puluh) kantung darah yang dikelola PMI.
d. Literasi dan Inklusi KeuanganPerseroan menyadari bahwa edukasi keuangan kepada masyarakat merupakan hal yang penting. Melalui edukasi tersebut, masyarakat diharapkan dapat memahami pengetahuan dan keterampilan pengelolaan sumber daya keuangan, serta pada akhirnya dapat tumbuh berkembang secara ekonomi melalui pemahaman dan keterampilan pengelolaan sumber daya keuangan yang memadai.
As a good corporate citizen, the Company always takes an active role in community empowerment, which is consistently realized in order to render social impact by improving the standard and quality of community life, particularly the community in the surrounding areas of the Company.
Throughout 2019, the Company actively carried out various social and community activities, including assistance for disaster relief, assistance for community with special needs and participation in religious activities. The activities among others are:
a. Smoke Hazzard Relief in Sumatra and Kalimantan
On September 2019, a forest fire caused a haze disaster. As a form of the Company’s responsibility to consumers and employees, The Company provides health masks (N95), eye drops and multivitamins to maintain a healthy body condition.
b. Measurement and Installation of Peg Legs/Arms and Brace for Polio PatientsThe Company provides peg legs/arms and brace (for polio patients) for the community with physical disabilities. The devices were given free to the people in needs. This activity was organized in collaboration with PT Wahana Makmur Sejati and Peduli Tuna Daksa Foundation (YPTD) targeting 150 (a hundred and fifty) disabled as well as social service volunteers in Tangerang Banten area.
c. Regular Blood DonorsThe Company regularly collaborates with the Indonesia Red Cross in organizing blood donor activities. Throughout 2019, 3 (three) events were organized and has successfully donated 720 (seven hundred and twenty) blood bags managed by the Red Cross.
d. Literacy and InclusionThe Company realizes the financial education to the community is important. Through this education, the community is expected to understand the knowledge and skills of managing financial resources, which they eventually can grow economically through adequate understanding and management of financial resources.
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH354
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Kegiatan ini juga merupakan bentuk komitmen Perseroan untuk memenuhi ketentuan Surat Edaran OJK No. 1/SEOJK.7/2014 tentang Pelaksanaan Edukasi Dalam Rangka Meningkatkan Literasi Keuangan kepada Konsumen dan/atau Masyarakat.
Pada tahun 2019, Perseroan telah menyelenggarakan seminar literasi edukasi keuangan sebanyak tujuh kali di tujuh kantor layanan, diantaranya: Yogyakarta, Balikpapan, Depok, Pekanbaru, Bandung, Semarang dan Surabaya.
e. Pelayanan Kesehatan GratisPerseroan berkomitmen untuk membantu masyarakat dengan membuka akses atas layanan kesehatan secara gratis. Kegiatan ini diharapkan dapat mempererat hubungan baik antara Perseroan dan masyarakat sebagai pemangku kepentingan.
Di pertengahan tahun 2019, Perseroan menandatangani kesepakatan kerjasama dengan Dompet Dhuafa untuk menyelenggarakan berbagai kegiatan pelayanan kesehatan gratis, edukasi kesehatan dan sanitasi total berbasis masyarakat.
f. Kunjungan Sosial PerseroanBerbeda dari tahun-tahun sebelumnya, Perseroan melaksanakan berbagai kegiatan kunjungan sosial diantaranya: 1. Sarapan Sehat Bersama Penyandang
Thalassaemia yang bekerjasama dengan Yayasan Thalassaemia Indonesia di Rumah Sakit Harapan Bunda, Jakarta Timur
2. Mendongeng Bersama Anak-Anak Penderita Kanker di rumah singgah Yayasan Kasih Anak Kanker Indonesia (YKAKI) dan Rumah Dongeng Pelangi
3. Nonton Bareng Bersama Anak Berkebutuhan Khusus (ABK), God Little Hands di Tangerang yang juga dilanjutkan di dua kota berbeda di Bandung dan Surabaya bersama anak-anak panti asuhan di kota tersebut
4. Kunjungan ke Yayasan Biruku Indonesia di Bandung dengan memberikan bantuan alat-alat peraga pendidikan khusus untuk anak-anak berkebutuhan khusus serta melakukan kegiatan mewarnai dan bernyanyi bersama anak-anak
This activity is also a manifestation of the Company’s commitment to comply with the stipulation of OJK Circular No. 1/SEOJK.7/2014 on the Educational Implementation for the Improvement of Financial Literacy to Consumen and/or Public.
In 2019, the Company has organized seven times literacy and Inclusion education seminars in seven service offices, among others: Yogyakarta, Balikpapan, Depok, Pekanbaru, Bandung, Semarang and Surabaya.
e. Free Medical Check UpThe Company is committed to help the community by providing free health service access. This activity is expected to strengthen good relations between the Company and communities as the stakeholders.
In the mid of 2019, the Company signed the collaboration agreement with Dompet Dhuafa for the organization of free health service activities, health education and community-based total sanitation.
f. The Company Social VisitsDifferent from previous years, the Company organized various social visit activities, among others:
1. Breakfast Together with Thalassaemia Patients in collaboration with the Indonesian Thalassaemia Foundation at Harapan Bunda Hospital, East Jakarta
2. Story-telling with Children with Cancer at the Kasih Anak Kanker Indonesia Foundation (YKAKI) and the Rumah Dongeng Pelangi.
3. Watching Movie Together with Special Needs Children (ABK), God Little Hands in Tangerang, which also continued with the orphanage children in two different cities in Bandung and Surabaya
4. Visit to the Biruku Indonesia Foundation in Bandung by providing assistance in teaching aids specifically for children with special needs and also doing coloring and singing together with them.
Horizon of GrowtH 355PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
g. Buka Puasa dan Bakti SosialKegiatan buka puasa bersama merupakan wujud kepedulian Perseroan terhadap masyarakat di sekitar lingkungan bisnis Perseroan, khususnya terkait ritual peribadatan yang jalankan. Dalam kegiatan ini, Perseroan memberikan alat sholat berupa sarung dan mukenah serta lemari penyimpanannya.
Pada 2019, Perseroan telah menyelenggarakan kegiatan buka puasa bersama dan bakti sosial di beberapa lokasi kantor layanan Perseroan. Kegiatan tersebut diselenggarakan di beberapa masjid di sekitar kantor cabang dan kantor pusat.
h. Penyembelihan Hewan KurbanPenyembelihan hewan kurban merupakan kegiatan rutin Perseroan yang diselenggarakan pada Hari Raya Idul Adha. Selain membantu pelaksanaan ibadah, kegiatan ini merupakan upaya Perseroan untuk memberikan bantuan bahan makanan kepada masyarakat kurang mampu di sekitar kantor jaringan.
Pada 2019, Perseroan mengadakan kegiatan penyembelihan hewan kurban di 14 (empat belas) lokasi kantor layanan, antara lain: Mauk, Ciledug, Cimahi, Majalengka, Kebumen, Brebes, Gresik, Tulung Agung, Medan, Batam, Lampung, Palembang, Samarinda dan Pare-Pare.
i. Perayaan Natal dan Tahun Baru 2020Dalam rangkaian perayaan Natal dan tahun baru 2020, Perseroan memberikan sumbangan kepada beberapa Panti Asuhan dan Panti Disabilitas. Pemberian sumbangan ini diharapkan dapat membesarkan hati para penghuni Panti.
Di akhir tahun 2019, Perseroan mengadakan perayaan Natal dan menyambut tahun baru 2020 di 14 lokasi kantor layanan, diantaranya: Tangerang, Ciledug, Bogor, Purwakarta, Wonosobo, Semarang, Madiun, Sidoarjo, Medan, Pekanbaru, Baturaja, Metro, Makassar dan Bontang.
g. Iftar and Social Service Iftar together is the Company’s engagement for the community in its surrounding areas, particularly related to the worship rituals. In this activity, the Company provides prayer kits such as sarong and mukenah and its storage cabinets.
In 2019, the Company has organized joint iftar and social service activities in several locations of the Company’s service offices. The activity was held in several mosques around the branch offices and head office.
h. Slaughter of Sacrificial Animals Slaughtering of sacrificial animals is a routine activity of the Company which is held on Eid al-Adha. Other than assisting the worship, this activity is the Company’s effort to provide food aid to underprivileged communities around the network offices.
In 2019, the Company conducted this activity in di 14 (fourteen) locations of service offices, among others: Mauk, Ciledug, Cimahi, Majalengka, Kebumen, Brebes, Gresik, Tulung Agung, Medan, Batam, Lampung, Palembang, Samarinda, and Pare-Pare.
i. Christmas and New Year 2020 In the series of Christmas celebrations and the new year 2020, the Company provides donations to several Orphanage and Disability Institutions. This donation is expected to encourage the residents of the orphanage.
At the end of 2019, the Company held a Christmas celebration and welcomed the new year 2020 in 14 service office locations, among others: Tangerang, Ciledug, Bogor, Purwakarta, Wonosobo, Semarang, Madiun, Sidoarjo, Medan, Pekanbaru, Baturaja, Metro, Makassar and Bontang.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH356
Pembuatan Rumah Hidroponik WOMunity | Construction of Hydroponic House WOMunity
WOM Finance Berkarya Bersama Yayasan Biruku Indonesia | WOM Finance Working Creation Together the Biruku Indonesia Foundation
Sarapan Sehat Bersama Penyandang Thalassaemia | Breakfast with Thalassaemia
Mendongeng Bersama Anak-Anak Penderita Kanker | Story-telling with Children with Cancer
Donor Darah dan Pemeriksaan Kesehatan Gratis | Blood Donor and Free Medical Check Up
Buka Bersama dan Bakti Sosial | Iftar and Social Service
Perbaikan Masjid Baliase di Palu | Renovation of Mosque in Baliase, Palu
Pemberian Kaki/Tangan Palsu Bagi Penyandang Disabilitas | Assistance of Peg Legs/Arms for Disabled Community
Kaleidoskop Kegiatan CSR tahun 2019Caleidoscope of CSR Activities in 2019
Horizon of GrowtH 357PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Perbaikan Gapura di 21 Cabang – HUT RI ke 37 | Renovation of Gates in 21 Branches
Penyembelihan Hewan Kurban 14 Cabang WOM Finance | Slaughter of Sacrificial Animals at 14 Branches of WOM Finance
Seminar Kesehatan Mental bagi Karyawan | Mental Health Seminar for Employee
Edukasi Kesehatan Diabetes “Silent Killer” | Diabetes Health Education “Silent Killer”
Pengelolaan Sampah Anorganik (Sanitasi Total Berbasis Masyarakat) | Anorganic Waste Management (Sanitation for Public)
Natal Bersama Perseroan | Christmas with The Company
Kerjasama Pengobatan Gratis dengan Gerai Sehat Rorotan | Free Medical Cooperation with Gerai Sehat Rorotan
TATA KelO
lA Peru
sAh
AA
NC
OrPO
rATe GO
verNA
NC
ea
na
lisis &pem
ba
ha
san
ma
na
jemen
Managem
ent’s Discussion &
Analysis
TAN
GG
uN
G JA
wA
b sO
siAl Peru
sAh
AA
NC
orporate social responsibility
PT WAHANA OTTOMITRA MULTIARTHA TBK
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH358
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Tanggung Jawab Sosial Perusahaan Bidang Ketenagakerjaan, Kesehatan dan Keselamatan KerjaResponsibility Toward Employment, Occupational Health and Safety
Horizon of GrowtH 359PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Bagi Perseroan, Sumber Daya Manusia (SDM) merupakan aset yang strategis. Karenanya, selain melakukan pengelolaan SDM, Perseroan juga berkomitmen untuk melaksanakan tanggung jawab sosial bidang ketenagakerjaan secara optimal.
Mengacu pada peraturan dan perundangan yang berlaku maka Perseroan melaksanaan kegiatan CSR di bidang ketenagakerjaan sepanjang 2019 meliputi, pemberlakuan upah minimum kerja, kesetaraan gender dalam bekerja, jenjang karir, program pendidikan dan pelatihan, serta kesehatan dan keselamatan kerja.
The Company considers its Human Resources (HR) a strategic assets. As such, apart from HR management, the Company is also committed to optimally implementing employment social responsibilities.
Referring to the prevailing laws and regulations, the Company’s CSR activities on employment throughout 2019 include the implementation of minimum wages, gender equality, career path, education and training programs, as well as occupational health and safety.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH360
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Tanggung Jawab Kepada KonsumenResponsibility Toward Customers
Horizon of GrowtH 361PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Perseroan senantiasa memberikan perhatian yang maksimal kepada konsumen, guna menjaga tingkat kepuasan terhadap layanan. Selain itu, perhatian yang diberikan kepada konsumen juga merupakan bentuk tanggung jawab Perseroan atas layanan yang telah diberikan.
Perseroan telah memiliki kebijakan service excellence yang berlaku di tiap kantor cabang guna meningkatkan kualitas penanganan pengaduan konsumen. Kebijakan tersebut tertuang dalam Surat Kebijakan No. 036/SKB/OPR/14 tentang Penanganan Pengaduan Konsumen. Untuk memastikan kebijakan tersebut berjalan secara efektif, Perseroan melakukan pelatihan dan pengembangan service excellence secara berkala bagi karyawan frontliner di kantor-kantor cabang.
Perseroan juga menyediakan berbagai saluran komunikasi yang dapat dimanfaatkan konsumen untuk menyampaikan saran serta pengaduan, berupa call center di nomor 08041123888 serta korespondensi surat elektronik melalui alamat [email protected]. Konsumen juga dapat mendatangi bagian Customer Service di kantor-kantor cabang Perseroan. Selain itu, konsumen dapat berkomunikasi dengan Customer Care Perseroan melalui akun facebook @WOMunity.
Seluruh informasi yang relevan bagi konsumen telah tersedia pada situs web resmi Perseroan, yaituwww.wom.co.id.
To maintain service satisfaction at a certain level, the Company strives in providing utmost attention to its customers. This is also a form of the Company’s responsibility for its services.
To improve the quality of customer complaint handling, the Company has service excellence policy in place which applies to all branch offices. The policy was stated in the Policy Decree No. 036/SKB/OPR/14 concerning Consumer Complaint Handling. To ensure effective implementation of policy, the Company periodically conducts training and development of service excellence for the frontliner officers in branch offices.
The Company also provides various communication channels that customers can use to submit suggestions and complaints, through a call center at 08041123888 and e-mail correspondence to [email protected]. The Customers can also visit the Customer Service desk at the Company’s branch offices or communicate with the Company’s Customer Care through the @WOMunity facebook account.
All information related to the customers is available on the Company’s official website, www.wom.co.id.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH362
No (Number)
Jenis Transaksi Keuangan (Type of Financial
Transaction)
Selesai *) (Finished)
Dalam Proses **) (On Process)
Tidak Selesai ***) (Not Complete)
Jumlah Pengaduan (Quantity
of Complains)
Jumlah (Quantity)
Persentase (Percentage)
Jumlah (Quantity)
Persentase (Percentage)
Jumlah (Quantity)
Persentase (Percentage)
1 Transaksi Pembiayaan Multiguna (Pembelian dengan Pembayaran Secara Angsuran) Multipurpose Financing Transactions (Purchase by Installment Payment)
306 99% 3 1% 0 0% 309
306 99% 3 1% 0 0% 309
Information :
*) The Completed column is filled in if the Complaint has been given a Complaint Response by WOM Finance and if:1. Consumers give approval to the Complaints Response; 2. If consumers do not raise any objections; or3. Consumers raise objections but WOM Finance rejects
the Consumer objections.
**) A Process Column is filled if:1. Complaints are in the process of being handled.2. Complaints have been given Complaints Responses
by WOM Finance but if Consumers raise objections and WOM Finance is handling the objection referred to.
Publikasi Penanganan PengaduanPeriode : Januari - Desember Tahun 2019
Publication of Handling ComplainsPeriod : January- December 2019
Keterangan :
*) Kolom Selesai diisi apabila Pengaduan telah diberikan Tanggapan Pengaduan oleh WOM Finance dan apabila:
1. Konsumen memberikan persetujuan terhadap Tanggapan Pengaduan tersebut;
2. Konsumen tidak menyampaikan keberatan; atau3. Konsumen menyampaikan keberatan namun WOM
Finance menolak keberatan Konsumen tersebut.
**) Kolom Dalam Proses diisi apabila:
1. Pengaduan sedang dalam proses penanganan.2. Pengaduan telah diberikan Tanggapan Pengaduan
oleh WOM Finance namun Konsumen menyampaikan keberatan dan WOM Finance sedang menangani keberatan dimaksud.
Horizon of GrowtH 363PT Wahana OTTOMITRa MulTIaRTha Tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019TA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
***) Kolom Tidak Selesai diisi apabila Pengaduan telah diberikan Tanggapan Pengaduan oleh WOM Finance namun Konsumen menyampaikan keberatan dan WOM Finance belum memutuskan untuk menangani keberatan Konsumen tersebut.
Publikasi ini dibuat dalam versi Bahasa Indonesia dan Bahasa Inggris. Dalam hal terdapat perbedaan dalam penafsiran atau pengertian mengenai isi Publikasi ini antara kata-kata dalam Bahasa Indonesia dan kata-kata dalam Bahasa Inggris, maka kata-kata dalam Bahasa Indonesia yang berlaku.
***) The column is not completed if the Complaint has received a Complaint Response by WOM Finance but the Consumer has submitted objection and WOM Finance has not yet decided to handle the Consumer’s objection.
This Publication is made in Bahasa and English version. In case of any discrepancy in interpretation or understanding upon the content of this Publication between the Indonesian-language text and the English-language text, the Indonesian language text shall prevail.
Publikasi Penanganan PengaduanPublication of Handling Complains
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH364
Financial Statements
LaporanKeuangan
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
365
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH366
PT Wahana Ottomitra Multiartha Tbk
Laporan keuanganTanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebutbeserta laporan auditor independen/Financial statementsas of December 31, 2019 andfor the year then endedwith independent auditor’s report
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
367
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
PT Wahana Ottomitra Multiartha Tbk
Laporan keuanganTanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebutbeserta laporan auditor independen/Financial statementsas of December 31, 2019 andfor the year then endedwith independent auditor’s report
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN KEUANGAN
TANGGAL 31 DESEMBER 2019DAN UNTUK TAHUN YANG BERAKHIR
PADA TANGGAL TERSEBUTBESERTA LAPORAN AUDITOR INDEPENDEN
PT WAHANA OTTOMITRA MULTIARTHA TbkFINANCIAL STATEMENTS
AS OF DECEMBER 31, 2019AND FOR THE YEAR
THEN ENDEDWITH INDEPENDENT AUDITOR’S REPORT
Daftar Isi Table of Contents
Halaman/Page
Surat Pernyataan Direksi Directors’ Statement
Laporan Auditor Independen Independent Auditor’s Report
Laporan Posisi Keuangan …...……………… 1-3 ...….…...........Statement of Financial Position
Laporan Laba Rugi dan Statement of Profit or Loss andPenghasilan Komprehensif Lain .……… 4-5 .……..….Other Comprehensive Income
Laporan Perubahan Ekuitas …...……………. 6 .....................Statement of Changes in Equity
Laporan Arus Kas .………….………………… 7-8 ..……......................Statement of Cash Flows
Catatan atas Laporan Keuangan ….............. 9-124 ..................Notes to the Financial Statements
************************
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH368
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
369
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH370
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
371
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
1
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN POSISI KEUANGAN
Tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF FINANCIAL POSITION
As of December 31, 2019(Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/December 31, 2019 Notes December 31, 2018
ASET ASSETS2b,2c,2d,2p,
KAS DAN SETARA KAS 4,28,30,31,32 CASH AND CASH EQUIVALENTSKas 9.985 23.723 Cash on handBank Cash in banks
Pihak ketiga 188.759 186.459 Third partiesPihak berelasi 492.817 973.394 Related party
Setara kas Cash equivalentsPihak berelasi 60.000 60.000 Related party
Total Kas dan Setara Kas 751.561 1.243.576 Total Cash and Cash Equivalents
2d,2e,2h,3,5,PIUTANG PEMBIAYAAN 11,15,16,27, CONSUMER FINANCING
KONSUMEN 28,30,31,35 RECEIVABLESPiutang pembiayaan konsumen - Consumer financing
setelah dikurangi bagian receivables - net ofyang dibiayai bank 9.297.531 9.626.973 amounts financed by bank
Pendapatan pembiayaan Unearned consumerkonsumen yang belum diakui (1.955.083) (2.164.503) financing income
Piutang pembiayaan konsumen 7.342.448 7.462.470 Consumer financing receivablesCadangan kerugian Allowance for
penurunan nilai (137.233) (219.402) impairment losses
Neto 7.205.215 7.243.068 Net
PIUTANG LAIN-LAIN 2c,2d,6, OTHER RECEIVABLESPihak ketiga 42.013 28,30,31 68.743 Third partiesPihak berelasi 4.561 3.601 Related party
Total Piutang Lain-lain 46.574 72.344 Total Other Receivables
BIAYA DIBAYAR DI MUKA 2d,2i,7, PREPAID EXPENSESDAN UANG MUKA 76.904 30,31 119.014 AND ADVANCES
ASET TETAP - Setelah 2j,3,8,15,dikurangi akumulasi 22,28,30 PROPERTY AND EQUIPMENT -penyusutan masing-masing Net of accumulated depreciation ofsebesar Rp360.092 dan Rp360,092 andRp320.182 pada tanggal Rp320,182 as of31 Desember 2019 dan December 31, 2019 and2018 111.672 109.629 2018, respectively
ASET TIDAK BERWUJUD - 2k,3,9,30Setelah dikurangi akumulasi INTANGIBLE ASSETS -penyusutan sebesar Rp1.395 Net of accumulated depreciation ofpada tanggal 31 Desember Rp1,395 as of December 31,2019 32.084 - 2019
ASET PAJAK TANGGUHAN - Neto 33.938 2q,3,14,30 32.437 DEFERRED TAX ASSETS - Net
ASET LAIN-LAIN 13.222 10,14,30 7.239 OTHER ASSETS
TOTAL ASET 8.271.170 8.827.307 TOTAL ASSETS
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH372
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
2
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN POSISI KEUANGAN (lanjutan)
Tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF FINANCIAL POSITION (continued)
As of December 31, 2019(Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/December 31, 2019 Notes December 31, 2018
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES2f,5,11,17,25
UTANG BANK 30,31,35 BANK LOANSPihak ketiga 3.622.876 4.559.701 Third parties
Total Utang Bank 3.622.876 4.559.701 Total Bank Loans
2c,2f,11,BIAYA MASIH HARUS 12,13,16,28,
DIBAYAR 30,31,35 ACCRUED EXPENSESPihak ketiga 89.836 94.361 Third partiesPihak berelasi 2.727 1.753 Related party
Total Biaya Masih Harus Dibayar 92.563 96.114 Total Accrued Expenses
UTANG PAJAK 39.337 2q,14,30 3.093 TAXES PAYABLE
2c,2f,2n,5,8,15,27,
UTANG LAIN-LAIN 28,30,31 OTHER PAYABLESPihak ketiga 145.587 214.293 Third partiesPihak-pihak berelasi 12.720 24.904 Related parties
Total Utang Lain-lain 158.307 239.197 Total Other Payables
2c,2f,2m,5,16,17,25
UTANG OBLIGASI 28,30,31 BONDS PAYABLEPihak ketiga 2.571.633 2.448.756 Third partiesPihak berelasi 79.907 79.841 Related party
Total Utang Obligasi - Neto 2.651.540 2.528.597 Total Bonds Payable - Net
LIABILITAS IMBALAN 2u,3, LIABILITY FORKERJA 135.970 29,30 128.944 EMPLOYEE BENEFITS
2c,2f,12,17,UTANG SUBORDINASI 200.000 25,28,30,31 100.000 SUBORDINATED LOAN
TOTAL LIABILITAS 6.900.593 7.655.646 TOTAL LIABILITIES
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
373
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
2
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN POSISI KEUANGAN (lanjutan)
Tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF FINANCIAL POSITION (continued)
As of December 31, 2019(Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/December 31, 2019 Notes December 31, 2018
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES2f,5,11,17,25
UTANG BANK 30,31,35 BANK LOANSPihak ketiga 3.622.876 4.559.701 Third parties
Total Utang Bank 3.622.876 4.559.701 Total Bank Loans
2c,2f,11,BIAYA MASIH HARUS 12,13,16,28,
DIBAYAR 30,31,35 ACCRUED EXPENSESPihak ketiga 89.836 94.361 Third partiesPihak berelasi 2.727 1.753 Related party
Total Biaya Masih Harus Dibayar 92.563 96.114 Total Accrued Expenses
UTANG PAJAK 39.337 2q,14,30 3.093 TAXES PAYABLE
2c,2f,2n,5,8,15,27,
UTANG LAIN-LAIN 28,30,31 OTHER PAYABLESPihak ketiga 145.587 214.293 Third partiesPihak-pihak berelasi 12.720 24.904 Related parties
Total Utang Lain-lain 158.307 239.197 Total Other Payables
2c,2f,2m,5,16,17,25
UTANG OBLIGASI 28,30,31 BONDS PAYABLEPihak ketiga 2.571.633 2.448.756 Third partiesPihak berelasi 79.907 79.841 Related party
Total Utang Obligasi - Neto 2.651.540 2.528.597 Total Bonds Payable - Net
LIABILITAS IMBALAN 2u,3, LIABILITY FORKERJA 135.970 29,30 128.944 EMPLOYEE BENEFITS
2c,2f,12,17,UTANG SUBORDINASI 200.000 25,28,30,31 100.000 SUBORDINATED LOAN
TOTAL LIABILITAS 6.900.593 7.655.646 TOTAL LIABILITIES
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
3
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN POSISI KEUANGAN (lanjutan)
Tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF FINANCIAL POSITION (continued)
As of December 31, 2019(Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/December 31, 2019 Notes December 31, 2018
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY(lanjutan) (continued)
EKUITAS EQUITYModal saham - nilai nominal Capital stock -
Rp100 (dalam nilai penuh) Rp100 (in full amount)per saham par value per shareModal dasar - 5.000.000.000 Authorized - 5,000,000,000
saham sharesModal ditempatkan dan
disetor penuh - Issued and fully paid -3.481.481.480 saham 348.148 17 348.148 3,481,481,480 shares
Modal disetor lainnya 160.190 2m,18 160.190 Additional paid-in capitalPengukuran kembali liabilitas Remeasurement of liability for
imbalan kerja - employee benefits -neto setelah pajak 11.380 29 7.728 net of tax
Saldo laba Retained earningsCadangan umum 14.000 2t, 17, 19 13.000 Appropriated for general reserveBelum ditentukan penggunaannya 836.859 642.595 Unappropriated
TOTAL EKUITAS 1.370.577 1.171.661 TOTAL EQUITY
TOTAL LIABILITAS DAN EKUITAS 8.271.170 8.827.307 TOTAL LIABILITIES AND EQUITY
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH374
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
4
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN LABA RUGI DAN
PENGHASILAN KOMPREHENSIF LAINUntuk tahun yang berakhir
pada tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF PROFIT OR LOSS AND
OTHER COMPREHENSIVE INCOMEFor the year then ended
December 31, 2019(Expressed in millions of Rupiah,
unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/Year ended December 31,
Catatan/2019 Notes 2018
PENDAPATAN REVENUES
Pembiayaan konsumen - 2h,2o,5,neto 2.073.049 20,27,35 2.087.765 Consumer financing - net
2c,4,14,Bunga 35.625 28,35 18.717 InterestAdministrasi 175.357 2h,2o,21,35 257.601 Administration
2h,2o,2p,4,Lain-lain 359.656 8,22,35 252.031 Others
Total Pendapatan 2.643.687 2.616.114 Total Revenues
BEBAN EXPENSES
Umum dan administrasi 736.503 2c,2o,23,28,38 690.117 General and administrative2o,2u,24,
Gaji dan tunjangan 440.393 28,29,38 439.535 Salaries and benefits2c,2m,
11,12,16,Pendanaan 638.807 25,28,35 671.865 Financing costsPembentukan cadangan 2e,2h, Provision for
kerugian penurunan nilai 404.929 3,5 474.284 impairment lossesPenyusutan 44.929 2j,2k,3,8 37.104 Depreciation
2c,2o,2p,Lain-lain 7.060 26,28 16.046 Others
Total Beban 2.272.621 2.328.951 Total Expenses
LABA SEBELUM INCOME BEFOREBEBAN PAJAK FINAL DAN FINAL TAX EXPENSE ANDBEBAN PAJAK PENGHASILAN 371.066 287.163 INCOME TAX EXPENSE
Beban pajak final 7.125 2q,14 3.743 Final tax expense
LABA SEBELUM INCOME BEFOREBEBAN PAJAK PENGHASILAN 363.941 283.420 INCOME TAX EXPENSE
BEBAN PAJAK 104.270 68.237 TAX EXPENSE
LABA TAHUN BERJALAN 259.671 215.183 INCOME FOR THE YEAR
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
375
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
4
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN LABA RUGI DAN
PENGHASILAN KOMPREHENSIF LAINUntuk tahun yang berakhir
pada tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF PROFIT OR LOSS AND
OTHER COMPREHENSIVE INCOMEFor the year then ended
December 31, 2019(Expressed in millions of Rupiah,
unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/Year ended December 31,
Catatan/2019 Notes 2018
PENDAPATAN REVENUES
Pembiayaan konsumen - 2h,2o,5,neto 2.073.049 20,27,35 2.087.765 Consumer financing - net
2c,4,14,Bunga 35.625 28,35 18.717 InterestAdministrasi 175.357 2h,2o,21,35 257.601 Administration
2h,2o,2p,4,Lain-lain 359.656 8,22,35 252.031 Others
Total Pendapatan 2.643.687 2.616.114 Total Revenues
BEBAN EXPENSES
Umum dan administrasi 736.503 2c,2o,23,28,38 690.117 General and administrative2o,2u,24,
Gaji dan tunjangan 440.393 28,29,38 439.535 Salaries and benefits2c,2m,
11,12,16,Pendanaan 638.807 25,28,35 671.865 Financing costsPembentukan cadangan 2e,2h, Provision for
kerugian penurunan nilai 404.929 3,5 474.284 impairment lossesPenyusutan 44.929 2j,2k,3,8 37.104 Depreciation
2c,2o,2p,Lain-lain 7.060 26,28 16.046 Others
Total Beban 2.272.621 2.328.951 Total Expenses
LABA SEBELUM INCOME BEFOREBEBAN PAJAK FINAL DAN FINAL TAX EXPENSE ANDBEBAN PAJAK PENGHASILAN 371.066 287.163 INCOME TAX EXPENSE
Beban pajak final 7.125 2q,14 3.743 Final tax expense
LABA SEBELUM INCOME BEFOREBEBAN PAJAK PENGHASILAN 363.941 283.420 INCOME TAX EXPENSE
BEBAN PAJAK 104.270 68.237 TAX EXPENSE
LABA TAHUN BERJALAN 259.671 215.183 INCOME FOR THE YEAR
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
5
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN LABA RUGI DAN
PENGHASILAN KOMPREHENSIF LAIN(lanjutan)
Untuk tahun yang berakhirpada tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF PROFIT OR LOSS AND
OTHER COMPREHENSIVE INCOME(continued)
For the year then endedDecember 31, 2019
(Expressed in millions of Rupiah,unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/Year ended December 31,
Catatan/2019 Notes 2018
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVELAIN INCOME
Pos yang tidak akan direklasifikasi Items that will not be reclassifiedke laba rugi to profit or loss
Keuntungan aktuarial 4.870 29 27.506 Actuarial gainPajak penghasilan (1.218) 14 (6.877) Income tax
Laba komprehensif lainnya - Other comprehensive gain -neto setelah pajak 3.652 20.629 net of tax
TOTAL LABA TOTAL COMPREHENSIVEKOMPREHENSIF INCOME FORTAHUN BERJALAN 263.323 235.812 THE YEAR
BASIC EARNINGSLABA PER SAHAM DASAR PER SHARE
(dinyatakan dalam nilai (expressed in fullRupiah penuh) 74,59 2s 61,81 Rupiah amount)
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH376
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
an la
ngua
ge.
Cat
atan
atas
lapo
ran
keua
ngan
terla
mpi
r mer
upak
anba
gian
yang
tida
kte
rpis
ahka
nda
rila
pora
nke
uang
an s
ecar
ake
selu
ruha
n.
The
acco
mpa
nyin
gno
tes
to th
efin
anci
alst
atem
ents
form
anin
tegr
alpa
rtof
thes
efin
anci
alst
atem
ents
take
nas
aw
hole
.
6
PTW
AHA
NA
OTT
OM
ITR
AM
ULT
IAR
THA
Tbk
LAPO
RA
NPE
RU
BA
HA
NEK
UIT
ASU
ntuk
tahu
nya
ngbe
rakh
irpa
data
ngga
l31
Des
embe
r201
9(D
isaj
ikan
dala
m ju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kST
ATE
MEN
TO
FC
HA
NG
ESIN
EQU
ITY
For
the
year
then
ende
dD
ecem
ber3
1,20
19(E
xpre
ssed
inm
illio
nsof
Rup
iah,
unle
ssot
herw
ise
stat
ed)
Cat
atan
/N
otes
Mod
alSa
ham
Dite
mpa
tkan
dan
Dis
etor
Penu
h/Is
sued
and
Fully
Paid
Cap
italS
tock
Mod
alD
iset
orLa
inny
a/A
dditi
onal
Paid
-inC
apita
l
Peng
ukur
anK
emba
liLi
abili
tas
Imba
lan
Ker
ja-
Net
oSe
tela
hPa
jak/
Rem
easu
rem
ent
ofLi
abili
tyfo
rEm
ploy
ee B
e nef
its-
Net
ofTa
x
Sald
oLa
ba/
Ret
aine
dEa
rnin
gsTo
tal
Ekui
tas/
Tota
lEq
uity
Cad
anga
nU
mum
/A
ppro
pria
ted
For
Gen
eral
Res
erve
Bel
um D
itent
ukan
Peng
guna
anny
a/U
napp
ropr
iate
d
Sald
o31
Des
embe
r201
734
8.14
816
0.19
0(1
2.90
1)12
.000
482.
375
989.
812
Bal
ance
Dec
embe
r31,
2017
Penc
adan
gan
laba
unt
ukca
dang
anum
um19
--
-1.
000
(1.0
00)
-Ap
prop
riate
dea
rnin
gsfo
rge
nera
lres
erve
Keun
tung
an a
ktua
rial-
neto
sete
lah
paja
k29
--
20.6
29-
-20
.629
Actu
aria
l gai
n-n
et o
ftax
Div
iden
2t,1
7,19
--
--
(53.
963)
(53.
963)
Div
iden
d
Tota
llab
ata
hun
berja
lan
--
--
215.
183
215.
183
Tota
linc
ome
fort
heye
ar
Sald
o31
Des
embe
r201
834
8.14
816
0.19
07.
728
13.0
0064
2.59
51.
171.
661
Bal
ance
Dec
embe
r31,
201
8
Penc
adan
gan
laba
unt
ukca
dang
anum
um19
-
--
1.00
0(1
.000
)-
Appr
opria
ted
earn
ings
for
gen
eral
rese
rve
Keun
tung
an a
ktua
rial-
net
ose
tela
h pa
jak
29-
-3.
652
--
3.65
2Ac
tuar
ial g
ain
- net
oft
ax
Div
iden
2t,1
7,19
--
--
(64.
407)
(64.
407)
Div
iden
d
Tota
llab
ata
hun
berja
lan
--
--
259.
671
259.
671
Tota
linc
ome
for t
heye
ar
Sald
o31
Des
embe
r201
9
34
8.14
816
0.19
011
.380
14.0
0083
6.85
91.
370.
577
Bal
ance
Dec
embe
r 31,
2019
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
377
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
7
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN ARUS KAS
Untuk tahun yang berakhirpada tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF CASH FLOWS
For the year then endedDecember 31, 2019
(Expressed in millions of Rupiah,unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/Year ended December 31,
Catatan/2019 Notes 2018
ARUS KAS DARI CASH FLOWS FROMAKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari: Cash receipts from:Konsumen 8.210.861 8.104.355 ConsumersBank-bank sehubungan dengan Banks in connections with
transaksi kerjasama the transaction of jointpembiayaan bersama - 1.094.483 financing cooperation
Pendapatan administrasi 297.895 400.147 Administration incomeInterest income from current
Bunga giro dan deposito 28.500 14.974 account and time depositsLain-lain 540.115 409.499 Others
Total penerimaan kas 9.077.371 10.023.458 Total cash receipts
Pembayaran kas untuk/kepada:Transaksi sehubungan dengan Cash disbursements for/to:
pembiayaan (5.609.469) (6.907.497) Financing related transactionBank-bank sehubungan Banks in connection with
dengan transaksi the transaction ofkerjasama pembiayaan joint financingbersama (804.490) (1.046.729) cooperation
Beban umum dan administrasi, General and administrativebeban gaji dan expenses, salaries andtunjangan serta benefits expenses andbeban lain-lain (1.321.045) (1.311.894) other expenses
Bank-bank sehubungan Banks in connectiondengan hak bank-bank atas with the banks’ rightspendapatan pembiayaan on consumerkonsumen (90.066) (110.851) financing income
Beban pendanaan (619.632) (626.681) Financing costsPajak penghasilan (62.302) (99.813) Income taxLain-lain (238.961) (135.100) Others
Total pengeluaran kas (8.745.965) (10.238.565) Total cash disbursements
Kas Neto Diperoleh dari Net Cash Provided by(Digunakan untuk) (Used in)Aktivitas Operasi 331.406 (215.107) Operating Activities
ARUS KAS DARI CASH FLOWS FROMAKTIVITAS INVESTASI INVESTING ACTIVITIES
Proceeds from sales ofHasil penjualan aset tetap 2.650 8 1.899 property and equipment
Acquisition of propertyPerolehan aset tetap (37.986) 8 (81.995) and equipmentUang muka perangkat lunak
dan lisensi (5.040) (30.844) Advance for software and licenses
Kas Neto Digunakan untuk Net Cash Used inAktivitas Investasi (40.376) (110.940) Investing Activities
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH378
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
8
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN ARUS KAS (lanjutan)
Untuk tahun yang berakhirpada tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF CASH FLOWS (continued)
For the year then endedDecember 31, 2019
(Expressed in millions of Rupiah,unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/Year ended December 31,
Catatan/2019 Notes 2018
ARUS KAS DARI CASH FLOWS FROMAKTIVITAS PENDANAAN FINANCING ACTIVITIES
Penambahan utang bank 2.850.000 11 5.750.000 Proceeds from bank loansPenerimaan dari penerbitan Proceeds from
utang obligasi - neto 1.675.000 16 1.724.000 issuance of bonds - netPenambahan utang subordinasi 200.000 12 - Proceeds from subordinated loanPelunasan utang bank (3.789.804) 11 (4.272.941) Repayment of bank loansPelunasan utang obligasi (1.553.500) 16 (2.258.500) Repayment of bonds payablePelunasan utang subordinasi (100.000) - Repayment of subordinated payablePembayaran dividen (61.419) 11 (51.528) Dividend paymentPembayaran biaya emisi obligasi (3.322) 18 (5.711) Bonds emission payment
Kas Neto (Digunakan untuk) Net Cash (Used in)Diperoleh dari Provided byAktivitas Pendanaan (783.045) 885.320 Financing Activities
(PENURUNAN) KENAIKAN NETO NET (DECREASE) INCREASE INKAS DAN SETARA KAS (492.015) 559.273 CASH AND CASH EQUIVALENTS
KAS DAN CASH ANDSETARA KAS CASH EQUIVALENTSAWAL TAHUN 1.243.576 684.303 AT BEGINNING OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTSAKHIR TAHUN 751.561 4 1.243.576 AT END OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTSTERDIRI DARI: CONSIST OF:
Kas dan bank 691.561 1.183.576 Cash on hand and in banks
Setara kas - Cash equivalents -deposito berjangka 60.000 60.000 time deposits
Total kas dan setara kas 751.561 1.243.576 Total cash and cash equivalents
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
379
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
Catatan atas laporan keuangan terlampir merupakanbagian yang tidak terpisahkan dari laporan keuangan
secara keseluruhan.
The accompanying notes to the financial statements form anintegral part of these financial statements
taken as a whole.
8
PT WAHANA OTTOMITRA MULTIARTHA TbkLAPORAN ARUS KAS (lanjutan)
Untuk tahun yang berakhirpada tanggal 31 Desember 2019(Disajikan dalam jutaan Rupiah,
kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkSTATEMENT OF CASH FLOWS (continued)
For the year then endedDecember 31, 2019
(Expressed in millions of Rupiah,unless otherwise stated)
Tahun yang berakhir pada tanggal 31 Desember/Year ended December 31,
Catatan/2019 Notes 2018
ARUS KAS DARI CASH FLOWS FROMAKTIVITAS PENDANAAN FINANCING ACTIVITIES
Penambahan utang bank 2.850.000 11 5.750.000 Proceeds from bank loansPenerimaan dari penerbitan Proceeds from
utang obligasi - neto 1.675.000 16 1.724.000 issuance of bonds - netPenambahan utang subordinasi 200.000 12 - Proceeds from subordinated loanPelunasan utang bank (3.789.804) 11 (4.272.941) Repayment of bank loansPelunasan utang obligasi (1.553.500) 16 (2.258.500) Repayment of bonds payablePelunasan utang subordinasi (100.000) - Repayment of subordinated payablePembayaran dividen (61.419) 11 (51.528) Dividend paymentPembayaran biaya emisi obligasi (3.322) 18 (5.711) Bonds emission payment
Kas Neto (Digunakan untuk) Net Cash (Used in)Diperoleh dari Provided byAktivitas Pendanaan (783.045) 885.320 Financing Activities
(PENURUNAN) KENAIKAN NETO NET (DECREASE) INCREASE INKAS DAN SETARA KAS (492.015) 559.273 CASH AND CASH EQUIVALENTS
KAS DAN CASH ANDSETARA KAS CASH EQUIVALENTSAWAL TAHUN 1.243.576 684.303 AT BEGINNING OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTSAKHIR TAHUN 751.561 4 1.243.576 AT END OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTSTERDIRI DARI: CONSIST OF:
Kas dan bank 691.561 1.183.576 Cash on hand and in banks
Setara kas - Cash equivalents -deposito berjangka 60.000 60.000 time deposits
Total kas dan setara kas 751.561 1.243.576 Total cash and cash equivalents
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
9
1. UMUM 1. GENERAL
a. Pendirian Perusahaan a. The Company’s Establishment
PT Wahana Ottomitra Multiartha Tbk(“Perusahaan”) didirikan di Republik Indonesiadengan nama PT Jakarta-Tokyo Leasingberdasarkan Akta No. 179 tanggal 23 Maret1982 dan kemudian diubah dengan AktaPerubahan Naskah Pendirian No. 96 tanggal15 Desember 1982, keduanya dibuat dihadapan Kartini Muljadi, S.H., Notaris diJakarta. Akta pendirian ini disahkan olehMenteri Kehakiman Republik Indonesia dalamSurat Keputusan No. C2-3167-HT01.01.TH82tanggal 23 Desember 1982 dan diumumkandalam Berita Negara Republik Indonesia No. 26,Tambahan No. 1248, tanggal 1 April 1997.Nama Perusahaan mengalami beberapa kaliperubahan, terakhir dengan Akta No. 5 tanggal15 Maret 2000 yang dibuat di hadapan AnnaWong, S.H., Notaris di Tangerang, dimananama Perusahaan diubah dari PT WahanaOmetraco Multi Artha menjadi PT WahanaOttomitra Multiartha. Perubahan nama ini telahdisetujui oleh Menteri Hukum dan Perundang-undangan Republik Indonesia dalam SuratKeputusan No. C-7437.HT.01.04.Th.2000tanggal 27 Maret 2000. Anggaran DasarPerusahaan mengalami beberapa kaliperubahan, dengan Akta PernyataanKeputusan Rapat No. 76 tanggal 23 April 2015yang dibuat di hadapan Leolin Jayayanti, S.H.,Notaris di Jakarta, antara lain, mengenaiperubahan pasal 3, pasal 4 ayat 3 (g), pasal 11-16, pasal 20-24 dan pasal 26-28 AnggaranDasar Perusahaan. Perubahan pasal-pasaldalam Anggaran Dasar tersebut telah mendapatpersetujuan dari Menteri Hukum dan Hak AsasiManusia Republik Indonesia berdasarkan SuratKeputusan No. AHU0934387.AH.01.02.TAHUN 2015 tanggal 30April 2015 serta diterima dan dicatat dalamdatabase Sistem Administrasi Badan HukumKementerian Hukum dan Hak Asasi ManusiaRepublik Indonesia berdasarkan SuratPenerimaan Pemberitahuan PerubahanAnggaran Dasar No. AHU-AH.01.03-0928592tertanggal 30 April 2015 dan diumumkan dalamBerita Negara Republik Indonesia No. 43,Tambahan No. 34680 tanggal 29 Mei 2015.
PT Wahana Ottomitra Multiartha Tbk(“the Company”) was established in theRepublic of Indonesia as PT Jakarta-TokyoLeasing based on the Notarial Deed No. 179dated March 23, 1982 of Kartini Muljadi, S.H.,Notary in Jakarta, which was subsequentlyamended by the Notarial Deed No. 96 datedDecember 15, 1982 of the same notary. Thedeed of establishment was approved by theMinistry of Justice of the Republic of Indonesiain its Decision Letter No. C2-3167-HT01.01.TH82 dated December 23, 1982 andwas published in the State Gazette No. 26,Supplement No. 1248 dated April 1, 1997. TheCompany’s name has been changed severaltimes, the latest of which was covered by theNotarial Deed No. 5 dated March 15, 2000 ofAnna Wong, S.H., Notary in Tangerang, inwhich the Company’s name was changed fromPT Wahana Ometraco Multi Artha toPT Wahana Ottomitra Multiartha. This changeof name was approved by the Ministry ofLaws and Regulations of the Republic ofIndonesia in its Decision LetterNo. C-7437.HT.01.04.Th.2000 datedMarch 27, 2000. The Company’s Articles ofAssociation has been amended several times,which was covered by the Notarial Deed No. 76dated April 23, 2015 of Leolin Jayayanti, S.H.,Notary in Jakarta, concerning the changes inarticle 3, article 4 section 3 (g), article 11-16,article 20-24 and article 26-28 of theCompany’s Articles of Association. Amendmentof those Company’s Articles of Association hasreceived approval from the Minister of Law andHuman Rights of the Republic of Indonesia byDecision Letter No. AHU-0934387.AH.01.02.TAHUN 2015 datedApril 30, 2015 and recorded in the databaseSystem of the Ministry of Laws and HumanRights of the Republic of Indonesia underAdmission Notification Amendment LetterNo. AHU-AH.01.03-0928592 dated April 30,2015 and declared in State Gazette No. 43,Addition No. 34680 datedMay 29, 2015.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH380
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
10
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Perusahaan (lanjutan) a. The Company’s Establishment (continued)
Anggaran Dasar Perusahaan mengalamiperubahan dengan Akta Pernyataan KeputusanRapat No. 73 tanggal 30 Oktober 2015 yangdibuat di hadapan Leolin Jayayanti, S.H.,Notaris di Jakarta, mengenai perubahan pasal3 Anggaran Dasar Perusahaan. Perubahanpasal dalam Anggaran Dasar tersebut telahmendapat persetujuan dari Menteri Hukum danHak Asasi Manusia Republik Indonesiaberdasarkan Surat Keputusan No. AHU-0945027.AH.01.02.TAHUN 2015 tanggal2 November 2015 dan diumumkan dalam BeritaNegara Republik Indonesia No. 35, TambahanNo. 7151 tanggal 3 Mei 2016.
The Company’s Articles of Association hasbeen amended several times, which wascovered by the Notarial DeedNo. 73 dated October 30, 2015 of LeolinJayayanti, S.H., Notary in Jakarta, concerningthe changes in article 3 of the Company’sArticles of Association. Amendment of thatCompany’s Articles of Association has receivedapproval from the Minister of Law and HumanRights of the Republic of Indonesia by DecisionLetter No. AHU-0945027.AH.01.02.TAHUN2015 dated November 2, 2015 and waspublished in the State Gazette No. 35,Supplement No. 7151 dated May 3, 2016.
Anggaran Dasar Perusahaan mengalamiperubahan yang dilakukan melalui Rapat UmumPemegang Saham Luar Biasa (“RUPSLB”)pada tanggal 15 Maret 2018 sebagaimanadinyatakan dengan Akta Pernyataan KeputusanRapat No. 57 tanggal15 Maret 2018 yang dibuat di hadapanLeolin Jayayanti, S.H., M.Kn., Notaris di Jakarta,mengenai perubahan pasal 1 ayat 1 AnggaranDasar Perusahaan dimana tempat kedudukanPerusahaan diubah menjadi di KotaAdministrasi Jakarta Utara. Perubahan pasaltersebut dalam Anggaran Dasar telah mendapatpersetujuan dari Menteri Hukum dan Hak AsasiManusia Republik Indonesia berdasarkan SuratKeputusan No. AHU-0006004.AH.01.02.TAHUN 2018 tanggal15 Maret 2018 dan diumumkan dalam BeritaNegara Republik Indonesia No. 75, TambahanNo. 16302 tanggal 18 September 2018.
The Company’s Articles of Association hasbeen amended several times, which was heldthrough Extraordinary General Meeting ofShareholders’ (“EGMS”) dated March 15, 2018and covered by the Notarial Deed No. 57 datedMarch 15, 2018 of Leolin Jayayanti, S.H.,M.Kn., Notary in Jakarta, concerning thechanges in article 1 pharagraph 1 of theCompany’s Articles of Association which theCompany’s domicile is changed to KotaAdministrasi North Jakarta. Amendment ofthose Company’s Articles of Association hasreceived approval from the Minister of Law andHuman Rights of the Republic of Indonesia byDecision Letter No. AHU-0006004.AH.01.02.TAHUN 2018 dated March 15, 2018 and waspublished in the State Gazette No. 75,Supplement No. 16302 dated September 18,2018.
Dengan berlakunya Peraturan Otoritas JasaKeuangan (POJK) No. 35/POJK.05/2018tentang Penyelenggaraan Usaha PerusahaanPembiayaan yang dikeluarkan oleh OtoritasJasa Keuangan (“OJK”) dimana salah satunyamengatur penambahan beberapa carapembiayaan dalam kegiatan usaha, sehinggauntuk selanjutnya kegiatan usaha utamaPerusahaan adalah sebagai berikut:
With the enacment of Otoritas Jasa KeuanganRegulation (POJK) No. 35/POJK.05/2018concerning the Company’s Business Activitiesthat required addition of several ways offinancing in business activites, as further theCompany’s main business activities are:
a. Pembiayaan investasi yang dilakukandengan cara:
a. Financing investment is carried out in form:
- Sewa pembiayaan;- Jual dan sewa balik;- Anjak piutang dengan pemberian jaminan
dari penjual piutang;- Anjak piutang tanpa pemberian jaminan
dari penjual piutang;- Pembelian dengan pembayaran secara
angsuran;- Pembiayaan proyek;
- Finance lease;- Sale and lease back;
- Factoring with recourse;
- Factoring without recourse;
- Installment purchases;- Project financing;
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
381
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
10
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Perusahaan (lanjutan) a. The Company’s Establishment (continued)
Anggaran Dasar Perusahaan mengalamiperubahan dengan Akta Pernyataan KeputusanRapat No. 73 tanggal 30 Oktober 2015 yangdibuat di hadapan Leolin Jayayanti, S.H.,Notaris di Jakarta, mengenai perubahan pasal3 Anggaran Dasar Perusahaan. Perubahanpasal dalam Anggaran Dasar tersebut telahmendapat persetujuan dari Menteri Hukum danHak Asasi Manusia Republik Indonesiaberdasarkan Surat Keputusan No. AHU-0945027.AH.01.02.TAHUN 2015 tanggal2 November 2015 dan diumumkan dalam BeritaNegara Republik Indonesia No. 35, TambahanNo. 7151 tanggal 3 Mei 2016.
The Company’s Articles of Association hasbeen amended several times, which wascovered by the Notarial DeedNo. 73 dated October 30, 2015 of LeolinJayayanti, S.H., Notary in Jakarta, concerningthe changes in article 3 of the Company’sArticles of Association. Amendment of thatCompany’s Articles of Association has receivedapproval from the Minister of Law and HumanRights of the Republic of Indonesia by DecisionLetter No. AHU-0945027.AH.01.02.TAHUN2015 dated November 2, 2015 and waspublished in the State Gazette No. 35,Supplement No. 7151 dated May 3, 2016.
Anggaran Dasar Perusahaan mengalamiperubahan yang dilakukan melalui Rapat UmumPemegang Saham Luar Biasa (“RUPSLB”)pada tanggal 15 Maret 2018 sebagaimanadinyatakan dengan Akta Pernyataan KeputusanRapat No. 57 tanggal15 Maret 2018 yang dibuat di hadapanLeolin Jayayanti, S.H., M.Kn., Notaris di Jakarta,mengenai perubahan pasal 1 ayat 1 AnggaranDasar Perusahaan dimana tempat kedudukanPerusahaan diubah menjadi di KotaAdministrasi Jakarta Utara. Perubahan pasaltersebut dalam Anggaran Dasar telah mendapatpersetujuan dari Menteri Hukum dan Hak AsasiManusia Republik Indonesia berdasarkan SuratKeputusan No. AHU-0006004.AH.01.02.TAHUN 2018 tanggal15 Maret 2018 dan diumumkan dalam BeritaNegara Republik Indonesia No. 75, TambahanNo. 16302 tanggal 18 September 2018.
The Company’s Articles of Association hasbeen amended several times, which was heldthrough Extraordinary General Meeting ofShareholders’ (“EGMS”) dated March 15, 2018and covered by the Notarial Deed No. 57 datedMarch 15, 2018 of Leolin Jayayanti, S.H.,M.Kn., Notary in Jakarta, concerning thechanges in article 1 pharagraph 1 of theCompany’s Articles of Association which theCompany’s domicile is changed to KotaAdministrasi North Jakarta. Amendment ofthose Company’s Articles of Association hasreceived approval from the Minister of Law andHuman Rights of the Republic of Indonesia byDecision Letter No. AHU-0006004.AH.01.02.TAHUN 2018 dated March 15, 2018 and waspublished in the State Gazette No. 75,Supplement No. 16302 dated September 18,2018.
Dengan berlakunya Peraturan Otoritas JasaKeuangan (POJK) No. 35/POJK.05/2018tentang Penyelenggaraan Usaha PerusahaanPembiayaan yang dikeluarkan oleh OtoritasJasa Keuangan (“OJK”) dimana salah satunyamengatur penambahan beberapa carapembiayaan dalam kegiatan usaha, sehinggauntuk selanjutnya kegiatan usaha utamaPerusahaan adalah sebagai berikut:
With the enacment of Otoritas Jasa KeuanganRegulation (POJK) No. 35/POJK.05/2018concerning the Company’s Business Activitiesthat required addition of several ways offinancing in business activites, as further theCompany’s main business activities are:
a. Pembiayaan investasi yang dilakukandengan cara:
a. Financing investment is carried out in form:
- Sewa pembiayaan;- Jual dan sewa balik;- Anjak piutang dengan pemberian jaminan
dari penjual piutang;- Anjak piutang tanpa pemberian jaminan
dari penjual piutang;- Pembelian dengan pembayaran secara
angsuran;- Pembiayaan proyek;
- Finance lease;- Sale and lease back;
- Factoring with recourse;
- Factoring without recourse;
- Installment purchases;- Project financing;
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
11
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Perusahaan (lanjutan) a. The Company’s Establishment (continued)
a. Pembiayaan investasi yang dilakukandengan cara: (lanjutan)
a. Financing investment is carried out in form:(continued)
- Pembiayaan infrastruktur; dan/atau- Pembiayaan lain setelah terlebih dahulu
mendapatkan persetujuan dari OJK.
- Infrastructure financing; and/or- Other financing activities approved by
OJK.
b. Pembiayaan modal kerja yang dilakukandengan cara:- Jual dan sewa balik;- Anjak piutang dengan pemberian jaminan
dari penjual piutang;- Anjak piutang tanpa pemberian jaminan
dari penjual piutang;- Fasilitas modal usaha; dan/atau- Pembiayaan lain setelah terlebih dahulu
mendapatkan persetujuan dari OJK.
c. Pembiayaan multiguna yang dilakukandengan cara:- Sewa pembiayaan;- Pembelian dengan pembayaran secara
angsuran;- Fasilitas dana; dan/atau- Pembiayaan lain setelah terlebih dahulu
mendapat persetujuan dari OJK.
d. Kegiatan usaha pembiayaan lainberdasarkan persetujuan OJK.
e. Menyediakan pembiayaan dan/ataumelakukan kegiatan usaha berdasarkanprinsip syariah, sesuai dengan ketentuanyang ditetapkan oleh OJK, pemerintahdan/atau Dewan Syariah Nasional yangberlaku sebagai berikut:a) Pembiayaan jual beli yang dilakukan
dengan menggunakan akad:- Murabahah;- Salam; dan/atau- Istishna’
b) Pembiayaan investasi yang dilakukandengan menggunakan akad:- Mudharabah;- Musyarakah;- Mudharabah Musytarakah; dan/atau- Musyarakah Mutanaqishoh
c) Pembiayaan jasa yang dilakukandengan menggunakan akad:- Ijarah;- Ijarah Muntahiyah Bittamlik;- Hawalah atau Hawalah bil Ujrah;- Wakalah atau Wakalah bil Ujrah;- Kafalah atau Kafalah bil Ujrah;- Ju’alah; dan/atau- Qardh.
b. Working capital financing is carried out inform:- Sale and lease back;
- Factoring with recourse;
- Factoring without recourse;- Working capital facilities; and/or- Other financing activities approved by
OJK.
c. Multi-purpose financing is carried out inform:- Finance lease;
- Installment purchases;- Fund facilities; and/or- Other financing activities approved by
OJK.
d. Other financing business activitesapproved by OJK.
e. Provide financing and/or conduct businessactivities based on sharia principles inaccordance with the regulation stipulatedby OJK, government and/or NationalSharia Council that applies as follows:
a) Buy and sell financing is carried out byusing a contract:- Murabahah;- Salam; and/or- Istishna’
b) Investment financing is carried out byusing a contract:- Mudharabah;- Musyarakah;- Mudharabah Musytarakah; and/or- Musyarakah Mutanagishoh
c) Service financing is carried out byusing a contract:- Ijarah;- Ijarah Muntahiyah Bittamlik;- Hawalah or Hawalah bil Ujrah;- Wakalah or Wakalah bil Ujrah;- Kafalah or Kafalah bil Ujrah;- Ju’alah; and/or- Qardh.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH382
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
12
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Perusahaan (lanjutan) a. The Company’s Establishment (continued)
Anggaran Dasar Perusahaan mengalamiperubahan terakhir yang dilakukan melaluiRapat Umum Pemegang Saham Luar Biasa(“RUPSLB”) pada tanggal 12 Maret 2019sebagaimana dinyatakan dengan AktaPernyataan Keputusan Rapat No. 36 tanggal12 Maret 2019 yang dibuat di hadapan LeolinJayayanti, S.H., M.Kn., Notaris di JakartaSelatan. Perubahan Anggaran DasarPerusahaan tersebut telah mendapatpersetujuan dari Menteri Hukum dan Hak AsasiManusia Republik Indonesia berdasarkan SuratKeputusan No. AHU-0013721.AH.01.02.TAHUN 2019 tanggal 13 Maret 2019 dandiumumkan dalam Berita Negara RepublikIndonesia No. 62, Tambahan No. 19418 tanggal2 Agustus 2019.
The Company’s Articles of Association hasbeen amended several times, the latest ofwhich was held through the ExtraordinaryGeneral Shareholders’ Meeting (“EGMS”) onMarch 12, 2019 and covered by the NotarialDeed No. 36 dated March 12, 2019 of LeolinJayayanti, S.H., M.Kn., Notary in South Jakarta.Amendment of the Company’s Articles ofAssociation has received approval from theMinister of Law and Human Rights of theRepublic of Indonesia by Decision Letter No.AHU-0013721.AH.01.02. TAHUN 2019 datedMarch 13, 2019 and was published in the StateGazette No. 62, Supplement No. 19418 datedAugust 2, 2019.
Perusahaan memperoleh izin usaha sebagailembaga pembiayaan dari Menteri KeuanganRepublik Indonesia melalui Surat KeputusanNo. 135/KMK.06/2001 tanggal 20 Maret 2001yang merupakan kelanjutan dari izin usahaseperti yang dimaksud dalam Surat KeputusanMenteri Keuangan No. KEP-028/KM.11/1982tanggal 30 Juni 1982 tentang Pemberian IzinUsaha Dalam Bidang Leasing kepadaPT Jakarta-Tokyo Leasing. Izin usaha ini telahbeberapa kali diperpanjang, terakhir denganSurat Keputusan Menteri KeuanganNo. KEP-105/KM.13/1988 tanggal 7 Juli 1988dan diubah dengan Surat Keputusan MenteriKeuangan No. 327/KMK.017/1997 tanggal21 Juli 1997. Pada saat ini, berdasarkanSurat Keputusan Menteri KeuanganNo. 135/KMK.06/2001 tanggal 20 Maret 2001.
The Company obtained a license to operate asa financing company from the Ministry ofFinance of the Republic of Indonesia in itsDecision Letter No.135/KMK.06/2001 datedMarch 20, 2001 which was an extension of aprevious license granted as mentioned in theDecision Letter of the Ministry of FinanceNo. KEP-028/KM.11/1982 dated June 30, 1982regarding the Granting of the Operating Licenseas a Leasing Company to PT Jakarta-TokyoLeasing. This license was subsequentlyextended several times, the latest of which bythe Decision Letter of the Ministry of FinanceNo. KEP-105/KM.13/1988 dated July 7, 1988and changed by the Decision Letter of theMinistry of Finance No. 327/KMK.017/1997dated July 21, 1997. Currently, based onDecision Letter of the Ministry of FinanceNo. 135/KMK.06/2001 dated March 20, 2001.
Kantor pusat Perusahaan dahulu beralamat diJalan Angkasa Kav. B-6, Mega GlodokKemayoran Kantor B5-6, Kota Baru BandarKemayoran, Kelurahan Gunung Sahari Selatan,Kecamatan Kemayoran, Kota Jakarta Pusat10610.
Formerly the Company’s head office is locatedat Jalan Angkasa Kav. B-6, Mega GlodokKemayoran Office Building B5-6, Kota BaruBandar Kemayoran, Kelurahan GunungSahari, Kecamatan Kemayoran, CentralJakarta 10610.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
383
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
12
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Perusahaan (lanjutan) a. The Company’s Establishment (continued)
Anggaran Dasar Perusahaan mengalamiperubahan terakhir yang dilakukan melaluiRapat Umum Pemegang Saham Luar Biasa(“RUPSLB”) pada tanggal 12 Maret 2019sebagaimana dinyatakan dengan AktaPernyataan Keputusan Rapat No. 36 tanggal12 Maret 2019 yang dibuat di hadapan LeolinJayayanti, S.H., M.Kn., Notaris di JakartaSelatan. Perubahan Anggaran DasarPerusahaan tersebut telah mendapatpersetujuan dari Menteri Hukum dan Hak AsasiManusia Republik Indonesia berdasarkan SuratKeputusan No. AHU-0013721.AH.01.02.TAHUN 2019 tanggal 13 Maret 2019 dandiumumkan dalam Berita Negara RepublikIndonesia No. 62, Tambahan No. 19418 tanggal2 Agustus 2019.
The Company’s Articles of Association hasbeen amended several times, the latest ofwhich was held through the ExtraordinaryGeneral Shareholders’ Meeting (“EGMS”) onMarch 12, 2019 and covered by the NotarialDeed No. 36 dated March 12, 2019 of LeolinJayayanti, S.H., M.Kn., Notary in South Jakarta.Amendment of the Company’s Articles ofAssociation has received approval from theMinister of Law and Human Rights of theRepublic of Indonesia by Decision Letter No.AHU-0013721.AH.01.02. TAHUN 2019 datedMarch 13, 2019 and was published in the StateGazette No. 62, Supplement No. 19418 datedAugust 2, 2019.
Perusahaan memperoleh izin usaha sebagailembaga pembiayaan dari Menteri KeuanganRepublik Indonesia melalui Surat KeputusanNo. 135/KMK.06/2001 tanggal 20 Maret 2001yang merupakan kelanjutan dari izin usahaseperti yang dimaksud dalam Surat KeputusanMenteri Keuangan No. KEP-028/KM.11/1982tanggal 30 Juni 1982 tentang Pemberian IzinUsaha Dalam Bidang Leasing kepadaPT Jakarta-Tokyo Leasing. Izin usaha ini telahbeberapa kali diperpanjang, terakhir denganSurat Keputusan Menteri KeuanganNo. KEP-105/KM.13/1988 tanggal 7 Juli 1988dan diubah dengan Surat Keputusan MenteriKeuangan No. 327/KMK.017/1997 tanggal21 Juli 1997. Pada saat ini, berdasarkanSurat Keputusan Menteri KeuanganNo. 135/KMK.06/2001 tanggal 20 Maret 2001.
The Company obtained a license to operate asa financing company from the Ministry ofFinance of the Republic of Indonesia in itsDecision Letter No.135/KMK.06/2001 datedMarch 20, 2001 which was an extension of aprevious license granted as mentioned in theDecision Letter of the Ministry of FinanceNo. KEP-028/KM.11/1982 dated June 30, 1982regarding the Granting of the Operating Licenseas a Leasing Company to PT Jakarta-TokyoLeasing. This license was subsequentlyextended several times, the latest of which bythe Decision Letter of the Ministry of FinanceNo. KEP-105/KM.13/1988 dated July 7, 1988and changed by the Decision Letter of theMinistry of Finance No. 327/KMK.017/1997dated July 21, 1997. Currently, based onDecision Letter of the Ministry of FinanceNo. 135/KMK.06/2001 dated March 20, 2001.
Kantor pusat Perusahaan dahulu beralamat diJalan Angkasa Kav. B-6, Mega GlodokKemayoran Kantor B5-6, Kota Baru BandarKemayoran, Kelurahan Gunung Sahari Selatan,Kecamatan Kemayoran, Kota Jakarta Pusat10610.
Formerly the Company’s head office is locatedat Jalan Angkasa Kav. B-6, Mega GlodokKemayoran Office Building B5-6, Kota BaruBandar Kemayoran, Kelurahan GunungSahari, Kecamatan Kemayoran, CentralJakarta 10610.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
13
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Perusahaan (lanjutan) a. The Company’s Establishment (continued)
Pada tanggal 3 April 2018, kantor pusatPerusahaan menjadi beralamat di Altira OfficeTower (Lt. 32, 33, dan 35) Jl. Yos Sudarso Kav.85, Sunter Jaya, Tanjung Priok, Jakarta Utara14350. Laporan perubahan alamat kantor pusatPerusahaan tersebut telah disampaikan kepadaOJK dan telah dicatat di dalam Sistem InformasiPerizinan Lembaga Jasa Keuangan(SIJINGGA) berdasarkan Surat OJK No. S-2246/NB.III/2018 tanggal 24 April 2018 perihalPerubahan Alamat Kantor Pusat Perusahaan,dan Perusahaan memiliki kantor cabang dankantor selain kantor cabang dengan total 186(seratus delapan puluh enam) lokasi yangantara lain di wilayah DKI Jakarta, Bogor,Tangerang, Bekasi, Jawa Timur, Bali,Kalimantan, Sulawesi, Jawa Tengah, JawaBarat, Sumatera, dan Nusa Tenggara (tidakdiaudit).
On April 3, 2018, The Company’s head officelocation is changed to Altira Office Tower(Lt. 32, 33, and 35) Jl. Yos Sudarso Kav. 85,Sunter Jaya, Tanjung Priok, Jakarta Utara14350. The change of the address of theCompany’s head office has been submitted toOJK and has been recorded in FinancialService Institution Licensing InformationSystem based on Letter of Financial Servicesauthority No. S-2246/NB.III/2018 on April 24,2018 about the change address of Head OfficeCompany, and it has totally 186 (one hundredand eighty six) locations in, among others, DKIJakarta, Bogor, Tangerang, Bekasi, JawaTimur, Bali, Kalimantan, Sulawesi, JawaTengah, Jawa Barat, Sumatera, and NusaTenggara (unaudited).
Perusahaan merupakan entitas anak dariPT Bank Maybank Indonesia Tbk (‘’BMI’’)dengan persentase kepemilikan sebesar68,55%. Pemegang saham akhir BMI adalahMalayan Banking Berhad (‘’Maybank’’), yangmerupakan bank yang berkedudukan diMalaysia.
The Company is a subsidiary of PT BankMaybank Indonesia Tbk (‘’BMI’’) with ownershippercentage of 68.55%. The ultimateShareholder of BMI is Malayan Banking Berhad(‘’Maybank’’), which is a bank based inMalaysia.
b. Penawaran Umum Saham Perusahaan b. The Company’s Public Offerings
Pada tanggal 30 November 2004, Perusahaanmemperoleh Pernyataan Efektif PendaftaranPenawaran Umum Perdana Saham dari KetuaBadan Pengawas Pasar Modal (“BAPEPAM”)dengan Surat No. S-3551/PM/2004 untukmelakukan penawaran 200.000.000 lembarsaham dengan nilai nominal Rp20.000 atauRp100 (dalam nilai penuh) per lembar sahamdan harga penawaran sebesar Rp700 (dalamnilai penuh) per lembar saham. SahamPerusahaan telah dicatatkan di Bursa EfekJakarta dan Surabaya (sekarang Bursa EfekIndonesia) pada tanggal 13 Desember 2004.
On November 30, 2004, the Company obtainedthe Effective Letter of the RegistrationStatement for the Initial Public Offering ofShares from the Chairman of the Capital MarketSupervisory Agency (“BAPEPAM”) in its LetterNo. S-3551/PM/2004 for 200,000,000 shareswith a nominal value of Rp20,000 or Rp100 (infull amount) per share and initial offering priceof Rp700 (in full amount) per share. TheCompany’s shares were listed in the Jakartaand Surabaya Stock Exchange (now IndonesiaStock Exchange) on December 13, 2004.
Pada tanggal 5 Februari 2015, Perusahaanmemperoleh Pernyataan Efektif PendaftaranPenawaran Umum Terbatas I (“PUT I”) kepadapara pemegang saham Perusahaan dalamrangka penerbitan Hak Memesan Efek TerlebihDahulu (“HMETD”) dari suratNo. S-39/D.04/2015, sejumlah 1.481.481.480lembar saham biasa atas nama yangmerupakan saham baru dengan nilai nominalRp148.148 atau Rp100 (dalam nilai penuh) perlembar saham dan harga penawaran sebesarRp135 (dalam nilai penuh) per lembar saham.Saham Perusahaan telah dicatatkan di BursaEfek Indonesia pada tanggal 23 Februari 2015.
On February 5, 2015, the Company obtainedthe Effective Letter of the RegistrationStatement for the Right Issue I (“PUT I”) ofShares to the shareholders of the Company inorder to issue Rights of LetterNo. S-39/D.04/2015 for 1,481,481,480shareholders’ new common shares with anominal value of Rp148,148 or Rp100 (in fullamount) per share and initial offering price ofRp135 (in full amount) per share. TheCompany’s shares were listed in IndonesiaStock Exchange on February 23, 2015.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH384
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
14
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Penawaran Umum Obligasi Perusahaan c. The Company’s Bonds Offerings
Pada bulan November 2003, Perusahaanmenawarkan kepada masyarakat “Obligasi IWOM Finance Tahun 2003 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp300.000, yang dinyatakanefektif oleh Badan Pengawas Pasar Modal danLembaga Keuangan (“BAPEPAM-LK”) padatanggal 31 Oktober 2003 berdasarkan SuratKeputusan No. S-2645/PM/2003. Obligasi inidicatatkan pada Bursa Efek Surabaya(sekarang Bursa Efek Indonesia) pada tanggal12 November 2003.
In November 2003, the Company offered to thepublic “Bonds I WOM Finance Year 2003 WithFixed Interest Rate” with nominal value ofRp300,000, which became effective on October31, 2003 based on the Decision LetterNo. S-2645/PM/2003 of Capital Market andFinancial Institution Supervisory Agency(“BAPEPAM-LK”). On November 12, 2003, theCompany listed the bonds in the SurabayaStock Exchange (now Indonesia StockExchange).
Pada bulan Juni 2005, Perusahaanmenawarkan kepada masyarakat “Obligasi IIWOM Finance Tahun 2005 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp500.000, yang dinyatakanefektif oleh BAPEPAM-LK pada tanggal26 Mei 2005 berdasarkan Surat KeputusanNo. S-1346/PM/2005. Obligasi ini dicatatkanpada Bursa Efek Surabaya (sekarang BursaEfek Indonesia) pada tanggal 8 Juni 2005.
In June 2005, the Company offered to the public“Bonds II WOM Finance Year 2005 With FixedInterest Rate” with nominal value of Rp500,000,which became effective on May 26, 2005 basedon the Decision Letter No. S-1346/PM/2005 ofBAPEPAM-LK. On June 8, 2005, the Companylisted the bonds in the Surabaya StockExchange (now Indonesia Stock Exchange).
Pada bulan Juni 2006, Perusahaanmenawarkan kepada masyarakat “Obligasi IIIWOM Finance Tahun 2006 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp825.000 yang dinyatakanefektif oleh BAPEPAM-LK pada tanggal24 Mei 2006 berdasarkan Surat KeputusanNo. S-138/BL/2006. Obligasi ini dicatatkanpada Bursa Efek Surabaya (sekarang BursaEfek Indonesia) pada tanggal 8 Juni 2006.
In June 2006, the Company offered to the public“Bonds III WOM Finance Year 2006 With FixedInterest Rate” with nominal value of Rp825,000which became effective onMay 24, 2006 based on the Decision LetterNo. S-138/BL/2006 of BAPEPAM-LK. OnJune 8, 2006, the Company listed the bonds inthe Surabaya Stock Exchange (now IndonesiaStock Exchange).
Pada bulan Mei 2007, Perusahaanmenawarkan kepada masyarakat “Obligasi IVWOM Finance Tahun 2007 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp1.000.000, yang dinyatakanefektif oleh BAPEPAM-LK pada tanggal 14 Mei2007 berdasarkan Surat Keputusan No. S-2265/BL/2007. Obligasi ini dicatatkan padaBursa Efek Surabaya (sekarang Bursa EfekIndonesia) pada tanggal 30 Mei 2007.
In May 2007, the Company offered to the public“Bonds IV WOM Finance Year 2007 With FixedInterest Rate” with nominal value ofRp1,000,000, which became effective onMay 14, 2007 based on the Decision LetterNo. S-2265/BL/2007 of BAPEPAM-LK. On May30, 2007, the Company listed the bonds in theSurabaya Stock Exchange (now IndonesiaStock Exchange).
Pada bulan Februari 2011, Perusahaanmenawarkan pada masyarakat “Obligasi VWOM Finance Tahun 2011 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokRp1.400.000, yang dinyatakan efektif olehBAPEPAM-LK pada tanggal23 Februari 2011 berdasarkan Surat KeputusanNo. S-1766/BL/2011. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal 7Maret 2011.
In February 2011, the Company offered to thepublic “Bonds V WOM Finance Year 2011 WithFixed Interest Rate’’ with nominal value ofRp1,400,000, which became effective onFebruary 23, 2011 based on the Decision LetterNo. S-1766/BL/2011 of BAPEPAM-LK. OnMarch 7, 2011, the Company listed the bondsin the Indonesia Stock Exchange.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
385
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
14
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Penawaran Umum Obligasi Perusahaan c. The Company’s Bonds Offerings
Pada bulan November 2003, Perusahaanmenawarkan kepada masyarakat “Obligasi IWOM Finance Tahun 2003 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp300.000, yang dinyatakanefektif oleh Badan Pengawas Pasar Modal danLembaga Keuangan (“BAPEPAM-LK”) padatanggal 31 Oktober 2003 berdasarkan SuratKeputusan No. S-2645/PM/2003. Obligasi inidicatatkan pada Bursa Efek Surabaya(sekarang Bursa Efek Indonesia) pada tanggal12 November 2003.
In November 2003, the Company offered to thepublic “Bonds I WOM Finance Year 2003 WithFixed Interest Rate” with nominal value ofRp300,000, which became effective on October31, 2003 based on the Decision LetterNo. S-2645/PM/2003 of Capital Market andFinancial Institution Supervisory Agency(“BAPEPAM-LK”). On November 12, 2003, theCompany listed the bonds in the SurabayaStock Exchange (now Indonesia StockExchange).
Pada bulan Juni 2005, Perusahaanmenawarkan kepada masyarakat “Obligasi IIWOM Finance Tahun 2005 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp500.000, yang dinyatakanefektif oleh BAPEPAM-LK pada tanggal26 Mei 2005 berdasarkan Surat KeputusanNo. S-1346/PM/2005. Obligasi ini dicatatkanpada Bursa Efek Surabaya (sekarang BursaEfek Indonesia) pada tanggal 8 Juni 2005.
In June 2005, the Company offered to the public“Bonds II WOM Finance Year 2005 With FixedInterest Rate” with nominal value of Rp500,000,which became effective on May 26, 2005 basedon the Decision Letter No. S-1346/PM/2005 ofBAPEPAM-LK. On June 8, 2005, the Companylisted the bonds in the Surabaya StockExchange (now Indonesia Stock Exchange).
Pada bulan Juni 2006, Perusahaanmenawarkan kepada masyarakat “Obligasi IIIWOM Finance Tahun 2006 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp825.000 yang dinyatakanefektif oleh BAPEPAM-LK pada tanggal24 Mei 2006 berdasarkan Surat KeputusanNo. S-138/BL/2006. Obligasi ini dicatatkanpada Bursa Efek Surabaya (sekarang BursaEfek Indonesia) pada tanggal 8 Juni 2006.
In June 2006, the Company offered to the public“Bonds III WOM Finance Year 2006 With FixedInterest Rate” with nominal value of Rp825,000which became effective onMay 24, 2006 based on the Decision LetterNo. S-138/BL/2006 of BAPEPAM-LK. OnJune 8, 2006, the Company listed the bonds inthe Surabaya Stock Exchange (now IndonesiaStock Exchange).
Pada bulan Mei 2007, Perusahaanmenawarkan kepada masyarakat “Obligasi IVWOM Finance Tahun 2007 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokobligasi sebesar Rp1.000.000, yang dinyatakanefektif oleh BAPEPAM-LK pada tanggal 14 Mei2007 berdasarkan Surat Keputusan No. S-2265/BL/2007. Obligasi ini dicatatkan padaBursa Efek Surabaya (sekarang Bursa EfekIndonesia) pada tanggal 30 Mei 2007.
In May 2007, the Company offered to the public“Bonds IV WOM Finance Year 2007 With FixedInterest Rate” with nominal value ofRp1,000,000, which became effective onMay 14, 2007 based on the Decision LetterNo. S-2265/BL/2007 of BAPEPAM-LK. On May30, 2007, the Company listed the bonds in theSurabaya Stock Exchange (now IndonesiaStock Exchange).
Pada bulan Februari 2011, Perusahaanmenawarkan pada masyarakat “Obligasi VWOM Finance Tahun 2011 Dengan TingkatSuku Bunga Tetap” dengan jumlah pokokRp1.400.000, yang dinyatakan efektif olehBAPEPAM-LK pada tanggal23 Februari 2011 berdasarkan Surat KeputusanNo. S-1766/BL/2011. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal 7Maret 2011.
In February 2011, the Company offered to thepublic “Bonds V WOM Finance Year 2011 WithFixed Interest Rate’’ with nominal value ofRp1,400,000, which became effective onFebruary 23, 2011 based on the Decision LetterNo. S-1766/BL/2011 of BAPEPAM-LK. OnMarch 7, 2011, the Company listed the bondsin the Indonesia Stock Exchange.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
15
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Penawaran Umum Obligasi Perusahaan(lanjutan)
c. The Company’s Bonds Offerings(continued)
Pada bulan Juni 2014, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan I WOM Finance Tahap I Tahun2014 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp600.000, yangdinyatakan efektif oleh Otoritas Jasa Keuangan(“OJK”) (dahulu BAPEPAM-LK) pada tanggal17 Juni 2014 berdasarkan Surat Keputusan No.S-272/D.04/2014. Obligasi ini dicatatkan padaBursa Efek Indonesia pada tanggal 26 Juni2014.
Selanjutnya, berdasarkan ObligasiBerkelanjutan I, pada bulan Desember 2014,Perusahaan menawarkan pada masyarakat“Obligasi Berkelanjutan I WOM Finance TahapII Tahun 2014 Dengan Tingkat Suku BungaTetap” dengan jumlah pokok Rp800.000, yangdinyatakan efektif oleh Otoritas Jasa Keuangan(“OJK”) (dahulu BAPEPAM-LK) pada tanggal17 Juni 2014 berdasarkan Surat Keputusan No.S-272/D.04/2014. Obligasi ini dicatatkan padaBursa Efek Indonesia pada tanggal8 Desember 2014.
In June 2014, the Company offered to the public“Continuing Bonds I Phase I WOM FinanceYear 2014 With Fixed Interest Rate” withnominal value of Rp600,000, which becameeffective on June 17, 2014 based on theDecision Letter No. S-272/D.04/2014 ofOtoritas Jasa Keuangan (“OJK”) (formerlyBAPEPAM-LK). The Company listed the bondsin the Indonesia Stock Exchange on June 26,2014.
Further, under the Continuing Bonds I, inDecember 2014, the Company offered to thepublic “Continuing Bonds I Phase II WOMFinance Year 2014 With Fixed Interest Rate”with nominal value of Rp800,000, whichbecame effective on June 17, 2014 based onthe Decision Letter No. S-272/D.04/2014 ofOtoritas Jasa Keuangan (“OJK”) (formerlyBAPEPAM-LK). The Company listed the bondsin the Indonesia Stock Exchange on December8, 2014.
Pada bulan Maret 2015, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan I WOM Finance Tahap III Tahun2015 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp1.000.000 (Catatan16), yang dinyatakan efektif oleh OJK padatanggal 17 Juni 2014 berdasarkan SuratKeputusan No. S-272/D.04/2014. Obligasi inidicatatkan pada Bursa Efek Indonesia padatanggal 6 April 2015.
In March 2015, the Company offered to thepublic “Continuing Bonds I Phase III WOMFinance Year 2015 With Fixed Interest Rate”with nominal value of Rp1,000,000 (Note 16),which became effective on June 17, 2014based on the Decision LetterNo. S-272/D.04/2014 of OJK. The Companylisted the bonds in the Indonesia StockExchange on April 6, 2015.
Pada bulan Desember 2015, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan I WOM Finance Tahap IV Tahun2015 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp600.000 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal17 Juni 2014 berdasarkan Surat Keputusan No.S-272/D.04/2014. Obligasi ini dicatatkan padaBursa Efek Indonesia pada tanggal23 Desember 2015.
In December 2015, the Company offered to thepublic “Continuing Bonds I Phase IV WOMFinance Year 2015 With Fixed Interest Rate”with nominal value of Rp600,000 (Note 16),which became effective on June 17, 2014based on the Decision LetterNo. S-272/D.04/2014 of OJK. The Companylisted the bonds in the Indonesia StockExchange on December 23, 2015.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH386
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
16
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Penawaran Umum Obligasi Perusahaan(lanjutan)
c. The Company’s Bonds Offerings(continued)
Pada bulan Juni 2016, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap I Tahun2016 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp665.000 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal27 Juni 2016.
Pada bulan Agustus 2017, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap II Tahun2017 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp720.500 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal23 Agustus 2017.
In June 2016, the Company offered to the public“Continuing Bonds II Phase I WOM FinanceYear 2016 With Fixed Interest Rate” withnominal value of Rp665,000 (Note 16), whichbecame effective on June 16, 2016 based onthe Decision Letter No. S-295/D.04/2016 ofOJK. The Company listed the bonds in theIndonesia Stock Exchange on June 27, 2016.
In August 2017, the Company offered to thepublic “Continuing Bonds II Phase II WOMFinance Year 2017 With Fixed Interest Rate”with nominal value of Rp720,500 (Note 16),which became effective on June 16, 2016based on the Decision LetterNo. S-295/D.04/2016 of OJK. The Companylisted the bonds in the Indonesia StockExchange on August 23, 2017.
Pada bulan Desember 2017, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap III Tahun2017 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp867.500 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal7 Desember 2017.
In December 2017, the Company offered to thepublic “Continuing Bonds II Phase III WOMFinance Year 2017 With Fixed Interest Rate”with nominal value of Rp867,500 (Note 16),which became effective on June 16, 2016based on the Decision LetterNo. S-295/D.04/2016 of OJK. The Companylisted the bonds in the Indonesia StockExchange on December 7, 2017.
Pada bulan April 2018, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap IV Tahun2018 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp793.000 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal 9 April2018.
Pada bulan Juni 2018, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap V Tahun2018 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp360.500 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal20 Juni 2018.
In April 2018, the Company offered to the public“Continuing Bonds II Phase IV WOM FinanceYear 2018 With Fixed Interest Rate” withnominal value of Rp793,000 (Note 16), whichbecame effective on June 16, 2016 based onthe Decision Letter No. S-295/D.04/2016 ofOJK. The Company listed the bonds in theIndonesia Stock Exchange on April 9, 2018.
In June 2018, the Company offered to thepublic “Continuing Bonds II Phase V WOMFinance Year 2018 With Fixed Interest Rate”with nominal value of Rp360,500 (Note 16),which became effective on June 16, 2016based on the Decision LetterNo. S-295/D.04/2016 of OJK. The Companylisted the bonds in the Indonesia StockExchange on June 20, 2018.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
387
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
16
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Penawaran Umum Obligasi Perusahaan(lanjutan)
c. The Company’s Bonds Offerings(continued)
Pada bulan Juni 2016, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap I Tahun2016 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp665.000 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal27 Juni 2016.
Pada bulan Agustus 2017, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap II Tahun2017 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp720.500 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal23 Agustus 2017.
In June 2016, the Company offered to the public“Continuing Bonds II Phase I WOM FinanceYear 2016 With Fixed Interest Rate” withnominal value of Rp665,000 (Note 16), whichbecame effective on June 16, 2016 based onthe Decision Letter No. S-295/D.04/2016 ofOJK. The Company listed the bonds in theIndonesia Stock Exchange on June 27, 2016.
In August 2017, the Company offered to thepublic “Continuing Bonds II Phase II WOMFinance Year 2017 With Fixed Interest Rate”with nominal value of Rp720,500 (Note 16),which became effective on June 16, 2016based on the Decision LetterNo. S-295/D.04/2016 of OJK. The Companylisted the bonds in the Indonesia StockExchange on August 23, 2017.
Pada bulan Desember 2017, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap III Tahun2017 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp867.500 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal7 Desember 2017.
In December 2017, the Company offered to thepublic “Continuing Bonds II Phase III WOMFinance Year 2017 With Fixed Interest Rate”with nominal value of Rp867,500 (Note 16),which became effective on June 16, 2016based on the Decision LetterNo. S-295/D.04/2016 of OJK. The Companylisted the bonds in the Indonesia StockExchange on December 7, 2017.
Pada bulan April 2018, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap IV Tahun2018 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp793.000 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal 9 April2018.
Pada bulan Juni 2018, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan II WOM Finance Tahap V Tahun2018 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp360.500 (Catatan 16),yang dinyatakan efektif oleh OJK pada tanggal16 Juni 2016 berdasarkan Surat KeputusanNo. S-295/D.04/2016. Obligasi ini dicatatkanpada Bursa Efek Indonesia pada tanggal20 Juni 2018.
In April 2018, the Company offered to the public“Continuing Bonds II Phase IV WOM FinanceYear 2018 With Fixed Interest Rate” withnominal value of Rp793,000 (Note 16), whichbecame effective on June 16, 2016 based onthe Decision Letter No. S-295/D.04/2016 ofOJK. The Company listed the bonds in theIndonesia Stock Exchange on April 9, 2018.
In June 2018, the Company offered to thepublic “Continuing Bonds II Phase V WOMFinance Year 2018 With Fixed Interest Rate”with nominal value of Rp360,500 (Note 16),which became effective on June 16, 2016based on the Decision LetterNo. S-295/D.04/2016 of OJK. The Companylisted the bonds in the Indonesia StockExchange on June 20, 2018.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
17
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Penawaran Umum Obligasi Perusahaan(lanjutan)
c. The Company’s Bonds Offerings(continued)
Pada bulan Desember 2018, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan III WOM Finance Tahap I Tahun2018 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp570.500 (Catatan 16)yang dinyatakan efektif oleh OJK pada tanggal14 Desember 2018 berdasarkan SuratKeputusan No. S-184/D.04/2018. Obligasi inidicatatkan pada Bursa Efek Indonesia padatanggal 21 Desember 2018.
In December 2018, the Company offered to thepublic “Continuing Bonds III Phase I WOMFinance Year 2018 With Fixed Interest Rate”with nominal value of Rp570,500 (Note 16),which became effective on December 14, 2018based on the Decision Letter No. S-184/D.04/2018 of OJK. The Company listed thebonds in the Indonesia Stock Exchange onDecember 21, 2018.
Pada bulan Mei 2019, Perusahaanmenawarkan pada masyarakat “ObligasiBerkelanjutan III WOM Finance Tahap II Tahun2019 Dengan Tingkat Suku Bunga Tetap”dengan jumlah pokok Rp1.675.000 (Catatan16) yang dinyatakan efektif oleh OJK padatanggal 14 Desember 2018 berdasarkan SuratKeputusan No. S-184/D.04/2018. Obligasi inidicatatkan pada Bursa Efek Indonesia padatanggal 31 Mei 2019.
In May 2019, the Company offered to thepublic “Continuing Bonds III Phase II WOMFinance Year 2018 With Fixed Interest Rate”with nominal value of Rp1,675,000 (Note 16),which became effective on December 14, 2018based on the Decision Letter No. S-184/D.04/2018 of OJK. The Company listed thebonds in the Indonesia Stock Exchange on May31, 2019.
d. Dewan Komisaris dan Direksi dan Karyawan d. The Boards of Commissioners andDirectors and Employees
Berdasarkan Akta Pernyataan KeputusanRapat Perusahaan No. 30 tanggal 31 Mei 2017yang dibuat di hadapan Rini Yulianti, S.H.,Notaris di Jakarta Timur, akta perubahanAnggaran Dasar Perusahaan telah diterima dandicatat di dalam Sistem Administrasi BadanHukum berdasarkan Surat PenerimaanPemberitahuan Perubahan Data PerusahaanNo. AHU-AH.01.03-0143578 tanggal 7 Juni2017 serta Surat Keputusan Dewan KomisarisNo. 001/BOC-WOM/2017 tanggal 2 Juni 2017,susunan Dewan Komisaris, Dewan PengawasSyariah dan Komite Audit Perusahaan, padatanggal 31 Desember 2019 adalah sebagaiberikut:
Based on Notarial Deed No. 30 dated May 31,2017 of Rini Yulianti, S.H., Notary in EastJakarta, the amendment of the Company’sArticles of Association has been accepted andrecorded in Legal Entity Administration Systembased on Admission Notification AmendmentLetter No. AHU-AH.01.03-0143578 dated June7, 2017 and Resolution Letter ofCommissioners No. 001/BOC-WOM/2017dated June 2, 2017, the composition of theCompany’s Boards of Commissioners, ShariaSupervisory Board and Audit Committee as ofDecember 31, 2019 are as follows:
Dewan Komisaris Board of CommissionersPresiden Komisaris President Commissioner
(Komisaris Independen) : I Nyoman Tjager : (Independent Commissioner)Wakil Presiden Komisaris : Robbyanto Budiman : Vice President CommissionerKomisaris : Garibaldi Thohir : CommissionerKomisaris : Thilagavathy Nadason : CommissionerKomisaris Independen : Myrnie Zachraini Tamin : Independent CommissionerDewan Pengawas Syariah Sharia Supervisory BoardKetua : Dr. H. Abdul Jabar Majid, MA : ChairmanAnggota : H. Muh. Taufik Darmansyah, S.E. : MemberAnggota : Dr. Ir. H. Muhamad Nadratuzzaman Hosen : MemberKomite Audit Audit CommitteeKetua : Myrnie Zachraini Tamin : ChairmanAnggota : Setiawan Kriswanto : MemberAnggota : Patricia Marina Sugondo : Member
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH388
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
18
1. UMUM (lanjutan) 1. GENERAL (continued)
d. Dewan Komisaris dan Direksi dan Karyawan(lanjutan)
d. The Boards of Commissioners andDirectors and Employees (continued)
Berdasarkan Akta Pernyataan KeputusanRapat Perusahaan No. 50 tanggal 16 Oktober2019 yang dibuat di hadapan Leolin Jayayanti,S.H., M.Kn., Notaris di Jakarta Selatan, aktaperubahan Anggaran Dasar Perusahaan telahditerima dan dicatat di dalam SistemAdministrasi Badan Hukum berdasarkan SuratPenerimaan Pemberitahuan Perubahan DataPerusahaan No. AHU-AH.01.03-0348344tanggal 21 Oktober 2019, susunan DireksiPerusahaan, pada tanggal 31 Desember 2019adalah sebagai berikut:
Based on Notarial Deed No. 50 dated October16, 2019 of Leolin Jayayanti, S.H., M.Kn.,Notary in South Jakarta, the amendment of theCompany’s Articles of Association has beenaccepted and recorded in Legal EntityAdministration System based on AdmissionNotification Amendment Letter No. AHU-AH.01.03-0348344 dated October 21, 2019,the composition of the Company’s Boards ofDirectors as of December 31, 2019 are asfollows:
Direksi Board of DirectorsPresiden Direktur : Djaja Suryanto Sutandar : President DirectorDirektur Keuangan : Zacharia Susantadiredja : Finance DirectorDirektur Pemasaran : Wibowo* : Marketing DirectorDirektur Operasional : Anthony Y Panggabean : Operational DirectorDirektur Manajemen Risiko : Njauw Vido Onadi : Risk Management Director*Efektif setelah diperolehnya Penetapan Hasil Penilaian *Effective after obtaining Fit and Proper Test ResultKemampuan dan Kepatutan dari Ketua from the Chairman of the Financial ServicesOtoritas Jasa Keuangan (“OJK”) Authority (“FSA”)
Berdasarkan Akta Pernyataan KeputusanRapat Perusahaan No. 30 tanggal 31 Mei 2017yang dibuat di hadapan Rini Yulianti, S.H.,Notaris di Jakarta Timur, akta perubahanAnggaran Dasar Perusahaan telah diterima dandicatat di dalam Sistem Administrasi BadanHukum berdasarkan Surat PenerimaanPemberitahuan Perubahan Data PerusahaanNo. AHU-AH.01.03-0143578 tanggal 7 Juni2017 serta Surat Keputusan Dewan KomisarisNo. 001/BOC-WOM/2017 tanggal 2 Juni 2017,susunan Dewan Komisaris, Direksi, DewanPengawas Syariah dan Komite AuditPerusahaan, pada tanggal 31 Desember 2018adalah sebagai berikut:
Based on Notarial Deed No. 30 dated May 31,2017 of Rini Yulianti, S.H., Notary in EastJakarta, the amendment of the Company’sArticles of Association has been accepted andrecorded in Legal Entity Administration Systembased on Admission Notification AmendmentLetter No. AHU-AH.01.03-0143578 dated June7, 2017 and Resolution Letter ofCommissioners No. 001/BOC-WOM/2017dated June 2, 2017, the composition of theCompany’s Boards of Commissioners,Directors, Sharia Supervisory Board and AuditCommittee as of December 31, 2018 are asfollows:
Dewan Komisaris Board of CommissionersPresiden Komisaris President Commissioner
(Komisaris Independen) : I Nyoman Tjager : (Independent Commissioner)Wakil Presiden Komisaris : Robbyanto Budiman : Vice President CommissionerKomisaris : Garibaldi Thohir : CommissionerKomisaris : Thilagavathy Nadason : CommissionerKomisaris Independen : Myrnie Zachraini Tamin : Independent CommissionerDewan Pengawas Syariah Sharia Supervisory BoardKetua : Dr. H. Abdul Jabar Majid, MA : ChairmanAnggota : H. Muh. Taufik Darmansyah, S.E. : MemberAnggota : Dr. Ir. H. Muhamad Nadratuzzaman Hosen : MemberKomite Audit Audit CommitteeKetua : Myrnie Zachraini Tamin : ChairmanAnggota : Setiawan Kriswanto : MemberAnggota : Patricia Marina Sugondo : Member
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
389
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
18
1. UMUM (lanjutan) 1. GENERAL (continued)
d. Dewan Komisaris dan Direksi dan Karyawan(lanjutan)
d. The Boards of Commissioners andDirectors and Employees (continued)
Berdasarkan Akta Pernyataan KeputusanRapat Perusahaan No. 50 tanggal 16 Oktober2019 yang dibuat di hadapan Leolin Jayayanti,S.H., M.Kn., Notaris di Jakarta Selatan, aktaperubahan Anggaran Dasar Perusahaan telahditerima dan dicatat di dalam SistemAdministrasi Badan Hukum berdasarkan SuratPenerimaan Pemberitahuan Perubahan DataPerusahaan No. AHU-AH.01.03-0348344tanggal 21 Oktober 2019, susunan DireksiPerusahaan, pada tanggal 31 Desember 2019adalah sebagai berikut:
Based on Notarial Deed No. 50 dated October16, 2019 of Leolin Jayayanti, S.H., M.Kn.,Notary in South Jakarta, the amendment of theCompany’s Articles of Association has beenaccepted and recorded in Legal EntityAdministration System based on AdmissionNotification Amendment Letter No. AHU-AH.01.03-0348344 dated October 21, 2019,the composition of the Company’s Boards ofDirectors as of December 31, 2019 are asfollows:
Direksi Board of DirectorsPresiden Direktur : Djaja Suryanto Sutandar : President DirectorDirektur Keuangan : Zacharia Susantadiredja : Finance DirectorDirektur Pemasaran : Wibowo* : Marketing DirectorDirektur Operasional : Anthony Y Panggabean : Operational DirectorDirektur Manajemen Risiko : Njauw Vido Onadi : Risk Management Director*Efektif setelah diperolehnya Penetapan Hasil Penilaian *Effective after obtaining Fit and Proper Test ResultKemampuan dan Kepatutan dari Ketua from the Chairman of the Financial ServicesOtoritas Jasa Keuangan (“OJK”) Authority (“FSA”)
Berdasarkan Akta Pernyataan KeputusanRapat Perusahaan No. 30 tanggal 31 Mei 2017yang dibuat di hadapan Rini Yulianti, S.H.,Notaris di Jakarta Timur, akta perubahanAnggaran Dasar Perusahaan telah diterima dandicatat di dalam Sistem Administrasi BadanHukum berdasarkan Surat PenerimaanPemberitahuan Perubahan Data PerusahaanNo. AHU-AH.01.03-0143578 tanggal 7 Juni2017 serta Surat Keputusan Dewan KomisarisNo. 001/BOC-WOM/2017 tanggal 2 Juni 2017,susunan Dewan Komisaris, Direksi, DewanPengawas Syariah dan Komite AuditPerusahaan, pada tanggal 31 Desember 2018adalah sebagai berikut:
Based on Notarial Deed No. 30 dated May 31,2017 of Rini Yulianti, S.H., Notary in EastJakarta, the amendment of the Company’sArticles of Association has been accepted andrecorded in Legal Entity Administration Systembased on Admission Notification AmendmentLetter No. AHU-AH.01.03-0143578 dated June7, 2017 and Resolution Letter ofCommissioners No. 001/BOC-WOM/2017dated June 2, 2017, the composition of theCompany’s Boards of Commissioners,Directors, Sharia Supervisory Board and AuditCommittee as of December 31, 2018 are asfollows:
Dewan Komisaris Board of CommissionersPresiden Komisaris President Commissioner
(Komisaris Independen) : I Nyoman Tjager : (Independent Commissioner)Wakil Presiden Komisaris : Robbyanto Budiman : Vice President CommissionerKomisaris : Garibaldi Thohir : CommissionerKomisaris : Thilagavathy Nadason : CommissionerKomisaris Independen : Myrnie Zachraini Tamin : Independent CommissionerDewan Pengawas Syariah Sharia Supervisory BoardKetua : Dr. H. Abdul Jabar Majid, MA : ChairmanAnggota : H. Muh. Taufik Darmansyah, S.E. : MemberAnggota : Dr. Ir. H. Muhamad Nadratuzzaman Hosen : MemberKomite Audit Audit CommitteeKetua : Myrnie Zachraini Tamin : ChairmanAnggota : Setiawan Kriswanto : MemberAnggota : Patricia Marina Sugondo : Member
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
19
1. UMUM (lanjutan) 1. GENERAL (continued)
d. Dewan Komisaris dan Direksi dan Karyawan(lanjutan)
d. The Boards of Commissioners andDirectors and Employees (continued)
Direksi Board of DirectorsPresiden Direktur : Djaja Suryanto Sutandar : President DirectorDirektur Keuangan : Zacharia Susantadiredja : Finance DirectorDirektur Pemasaran Marketing Director
(Direktur Independen) : Simon Tan Kian Bing : (Independent Director)Direktur Operasional : Anthony Y Panggabean : Operational DirectorDirektur Manajemen Risiko : Njauw Vido Onadi : Risk Management Director
Berdasarkan Surat Keputusan DireksiPerusahaan No. 1546/DIR/IV/2015 tanggal29 April 2015, Sekretaris Perusahaan padatanggal 31 Desember 2019 dan 2018 adalahZacharia Susantadiredja.
Based on Directors’ Decision Letter of theCompany No. 1546/DIR/IV/2015 dated April 29,2015, the Corporate Secretary as of December31, 2019 and 2018 is Zacharia Susantadiredja.
Berkenaan dengan pengunduran diri MuhamadRubaman selaku Kepala Unit Audit InternalPerusahaan, Perusahaan telah melakukanpenggantian Kepala Unit Audit Internal darisemula Muhamad Rubaman menjadi IgnatiusPrasetya efektif pada tanggal 1 September2018. Sehubungan dengan hal tersebut,pengangkatan Ignatius Prasetya selaku KepalaUnit Audit Internal oleh Direksi Perusahaantelah memperoleh persetujuan dari DewanKomisaris Perusahaan.
In relation to the resignation of MuhamadRubaman as Internal Audit Division Head, theCompany has made a replacement of InternalAudit Division Head from Muhamad Rubamanto Ignatius Prasetya effective onSeptember 1, 2018. In relation with that matter,the appointment of Ignatius Prasetya asInternal Audit Division Head by the Company’sDirectors has obtained approval from theCompany’s Board of Commissioners.
Dalam rangka memenuhi ketentuan PeraturanOtoritas Jasa Keuangan (“POJK”) No.56/POJK.04/2015 tentang Pembentukan danPedoman Penyusunan Piagam Unit AuditInternal, Perusahaan telah menyampaikanpemberitahuan penggantian Kepala Unit AuditInternal Perusahaan kepada OJK melalui SuratNo. 127/IXCS/2018 tertanggal 3 September2018, serta dalam rangka memenuhi ketentuanPOJK No. 31/POJK.04/2015 tentangKeterbukaan atas Informasi atau Fakta MaterialOleh Emiten atas Perusahaan Publik,Perusahaan telah menyampaikan LaporanKeterbukaan Informasi atau Fakta Materialkepada OJK melalui Surat No. 126 /IX/CS/2018tertanggal 3 September 2018.
In order to comply with Otoritas Jasa KeuanganRegulation (“POJK”) No. 56/POJK.04/2015about Establishment and Preparation Guidelineof Internal Audit Division Charter, the Companyhas submitted the replacement of theCompany’s Internal Audit Division Head to OJKbased on Letter No. 127/IXCS/2018 datedSeptember 3, 2018, and in order to comply withPOJK No. 31/POJK.04/2015 aboutTransparency of Information or Material Factsby Issuers over Public Company, the Companyhas submitted Report of Transparency ofInformation or Material Facts to OJK based onLetter No. 126/IX/CS/2018 dated September 3,2018.
Perusahaan memiliki masing-masing 2.670 dan2.820 karyawan tetap pada tanggal 31Desember 2019 dan 2018 (tidak diaudit).
The Company has a total of 2,670 and 2,820,permanent employees as of December 31,2019 and 2018, respectively (unaudited).
e. Penyelesaian Laporan Keuangan e. Completion of the Financial Statements
Manajemen Perusahaan bertanggung jawabatas penyusunan laporan keuangan ini yangtelah diselesaikan dan diotorisasi untuk terbitoleh Direksi Perusahaan pada tanggal17 Februari 2020.
The management of the Company isresponsible for the preparation of theaccompanying financial statements which werecompleted and authorized for issue by theCompany’s Board of Directors onFebruary 17, 2020.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH390
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
20
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING 2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES
a. Pernyataan kepatuhan dan dasarpenyusunan laporan keuangan
a. Statement of compliance and basis ofpreparation of the financial statements
Laporan keuangan telah disusun dan disajikansesuai dengan Standar Akuntansi Keuangan(“SAK”) dan Standar Akuntansi KeuanganSyariah di Indonesia, yang mencakupPernyataan dan Interpretasi yang dikeluarkanoleh Dewan Standar Akuntansi Keuangan danDewan Standar Syariah Ikatan AkuntanIndonesia serta Peraturan Otoritas JasaKeuangan (“OJK”), Peraturan No. VIII.G.7tentang “Penyajian dan PengungkapanLaporan Keuangan Emiten atau PerusahaanPublik” yang terdapat dalam LampiranKeputusan Ketua BAPEPAM-LK No. KEP-347/BL/2012 tanggal 25 Juni 2012.
The financial statements have been preparedand presented in accordance with FinancialAccounting Standards (“FAS”) and ShariaFinancial Accounting Standards in Indonesia,which comprise the Statements andInterpretations issued by the Board of FinancialAccounting Standards and Board of ShariaStandards of the Indonesian Institute ofAccountants and Otoritas Jasa Keuangan(“OJK”), Regulation No. VIII.G.7 regarding“Emiten or Public Company’s FinancialStatements Presentation and DisclosureGuidelines” as included in the Appendix of theDecision Decree of the Chairman ofBAPEPAM-LK No. KEP-347/BL/2012 datedJune 25, 2012.
Laporan keuangan disusun berdasarkankonsep akrual kecuali untuk laporan arus kas,dan menggunakan konsep biaya perolehan(historical cost), kecuali seperti yang disebutkandalam catatan atas laporan keuangan yangrelevan.
The financial statements have been preparedon the accrual basis except for the statement ofcash flows, and using the historical costconcept of accounting, except as disclosed inthe relevant notes to the financial statements.
Laporan arus kas menyajikan informasipenerimaan dan pengeluaran kas dan setarakas yang diklasifikasikan ke dalam aktivitasoperasi, investasi dan pendanaan denganmenggunakan metode langsung.
The statement of cash flows presentsinformation on receipts and payments of cashand cash equivalents classified into operating,investing and financing activities using thedirect method.
Mata uang penyajian yang digunakan dalampenyusunan laporan keuangan ini adalah matauang Rupiah yang merupakan mata uangfungsional.
The presentation currency used in the financialstatements is Indonesian Rupiah, which is thefunctional currency.
Seluruh angka dalam laporan keuangan ini,dibulatkan menjadi dan disajikan dalam jutaanRupiah, kecuali dinyatakan lain.
All figures in the financial statements arerounded to and stated in millions of Rupiah,unless otherwise stated.
b. Kas dan setara kas b. Cash and cash equivalents
Kas dan setara kas terdiri dari kas, bank dandeposito berjangka dengan jangka waktu 3(tiga) bulan atau kurang sejak tanggalpenempatan dan tidak digunakan sebagaijaminan atas utang serta tidak dibatasipenggunaannya. Deposito yang digunakansebagai jaminan, jika ada, diklasifikasikansebagai “Deposito Berjangka”.
Cash and cash equivalents consist of cash onhand, cash in banks and unrestricted timedeposits with maturity periods of three (3)months or less at the time of placement and notused as collateral for loans nor restricted.Deposits which are used as collateral, if any,are classified as “Time Deposits”.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
391
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
20
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING 2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES
a. Pernyataan kepatuhan dan dasarpenyusunan laporan keuangan
a. Statement of compliance and basis ofpreparation of the financial statements
Laporan keuangan telah disusun dan disajikansesuai dengan Standar Akuntansi Keuangan(“SAK”) dan Standar Akuntansi KeuanganSyariah di Indonesia, yang mencakupPernyataan dan Interpretasi yang dikeluarkanoleh Dewan Standar Akuntansi Keuangan danDewan Standar Syariah Ikatan AkuntanIndonesia serta Peraturan Otoritas JasaKeuangan (“OJK”), Peraturan No. VIII.G.7tentang “Penyajian dan PengungkapanLaporan Keuangan Emiten atau PerusahaanPublik” yang terdapat dalam LampiranKeputusan Ketua BAPEPAM-LK No. KEP-347/BL/2012 tanggal 25 Juni 2012.
The financial statements have been preparedand presented in accordance with FinancialAccounting Standards (“FAS”) and ShariaFinancial Accounting Standards in Indonesia,which comprise the Statements andInterpretations issued by the Board of FinancialAccounting Standards and Board of ShariaStandards of the Indonesian Institute ofAccountants and Otoritas Jasa Keuangan(“OJK”), Regulation No. VIII.G.7 regarding“Emiten or Public Company’s FinancialStatements Presentation and DisclosureGuidelines” as included in the Appendix of theDecision Decree of the Chairman ofBAPEPAM-LK No. KEP-347/BL/2012 datedJune 25, 2012.
Laporan keuangan disusun berdasarkankonsep akrual kecuali untuk laporan arus kas,dan menggunakan konsep biaya perolehan(historical cost), kecuali seperti yang disebutkandalam catatan atas laporan keuangan yangrelevan.
The financial statements have been preparedon the accrual basis except for the statement ofcash flows, and using the historical costconcept of accounting, except as disclosed inthe relevant notes to the financial statements.
Laporan arus kas menyajikan informasipenerimaan dan pengeluaran kas dan setarakas yang diklasifikasikan ke dalam aktivitasoperasi, investasi dan pendanaan denganmenggunakan metode langsung.
The statement of cash flows presentsinformation on receipts and payments of cashand cash equivalents classified into operating,investing and financing activities using thedirect method.
Mata uang penyajian yang digunakan dalampenyusunan laporan keuangan ini adalah matauang Rupiah yang merupakan mata uangfungsional.
The presentation currency used in the financialstatements is Indonesian Rupiah, which is thefunctional currency.
Seluruh angka dalam laporan keuangan ini,dibulatkan menjadi dan disajikan dalam jutaanRupiah, kecuali dinyatakan lain.
All figures in the financial statements arerounded to and stated in millions of Rupiah,unless otherwise stated.
b. Kas dan setara kas b. Cash and cash equivalents
Kas dan setara kas terdiri dari kas, bank dandeposito berjangka dengan jangka waktu 3(tiga) bulan atau kurang sejak tanggalpenempatan dan tidak digunakan sebagaijaminan atas utang serta tidak dibatasipenggunaannya. Deposito yang digunakansebagai jaminan, jika ada, diklasifikasikansebagai “Deposito Berjangka”.
Cash and cash equivalents consist of cash onhand, cash in banks and unrestricted timedeposits with maturity periods of three (3)months or less at the time of placement and notused as collateral for loans nor restricted.Deposits which are used as collateral, if any,are classified as “Time Deposits”.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
21
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
c. Transaksi dengan pihak-pihak berelasi c. Transactions with related parties
Perusahaan menerapkan PSAK No. 7 (Revisi2010), “Pengungkapan Pihak-pihak Berelasi”.PSAK revisi ini mensyaratkan pengungkapanhubungan, transaksi, dan saldo pihak-pihakberelasi, termasuk komitmen, dalam laporankeuangan.
The Company applied SFAS No. 7 (Revised2010), “Related Parties Disclosures”. Therevised SFAS requires disclosure of relatedparties relationships, transactions, andoutstanding balances, including commitments,in the financial statements.
Transaksi ini dilakukan berdasarkanpersyaratan yang disetujui oleh kedua belahpihak, dimana persyaratan tersebut mungkintidak sama dengan transaksi lain yangdilakukan dengan pihak-pihak yang tidakberelasi.
The transactions are made based on termsagreed by the parties, where by such terms maynot be the same as those transactions withunrelated parties.
Pihak berelasi adalah orang atau entitas yangterkait dengan entitas yang menyiapkan laporankeuangannya (entitas pelapor). Yang termasukpihak berelasi sebagai berikut:
A related party is a person or entity that isrelated to the entity that is preparing its financialstatements (reporting entity). Related partiesare:
1) Orang atau anggota keluarga terdekatmempunyai relasi dengan entitas pelaporjika orang tersebut:a) Memiliki pengendalian atau
pengendalian bersama atas entitaspelapor;
b) Memiliki pengaruh signifikan atasentitas pelapor; atau
c) Merupakan personil manajemenkunci entitas pelapor atau entitasinduk entitas pelapor.
1) A person or a close member of thatperson’s family is related to a reportingentity if that person:a) Has control or joint control of the
reporting entity;
b) Has significant influence over thereporting entity; or
c) Is a member of the key managementpersonnel of the reporting entity or ofa parent of the reporting entity.
2) Entitas mempunyai relasi dengan entitaspelapor jika entitas tersebut:a) Entitas dan entitas pelapor adalah
anggota dari kelompok usaha yangsama (artinya entitas induk, entitasanak, dan entitas anak berikutnyaterkait dengan entitas lain);
2) An entity is related to a reporting entity ifany of the following conditions applies:a) The entity and the reporting entity are
members of the same group (whichmeans that each parent, subsidiaryand fellow subsidiary is related to theothers);
b) Suatu entitas adalah entitas asosiasiatau ventura bersama dari entitas lain(atau entitas asosiasi atau venturabersama yang merupakan anggotasuatu kelompok usaha, yang manaentitas lain tersebut adalahanggotanya);
b) One entity is an associate or jointventure of the other entity (or anassociate or joint venture of a memberof a group of which the other entity is amember);
c) Kedua entitas tersebut adalahventura bersama dari pihak ketigayang sama;
c) Both entities are joint ventures of thesame third party;
d) Suatu entitas adalah venturabersama dari entitas ketiga danentitas yang lain adalah entitasasosiasi dari entitas ketiga;
d) One entity is a joint venture of a thirdentity and the other entity is anassociate of the third entity;
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH392
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
22
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
c. Transaksi dengan pihak-pihak berelasi(lanjutan)
c. Transactions with related parties(continued)
2) Entitas mempunyai relasi dengan entitaspelapor jika entitas tersebut: (lanjutan)
2) An entity is related to a reporting entity ifany of the following conditions applies:(continued)
e) Entitas tersebut adalah suatuprogram imbalan kerja untuk imbalankerja dari salah satu entitas pelaporatau entitas yang terkait denganentitas pelapor. Jika entitas pelaporadalah entitas yangmenyelenggarakan programtersebut, maka entitas sponsor jugaberelasi dengan entitas pelapor;
e) The entity is a employee benefit planfor the benefit of employees of eitherthe reporting entity or an entity relatedto the reporting entity. If the reportingentity is it self such a plan, thesponsoring employers are also relatedto the reporting entity;
f) Entitas yang dikendalikan ataudikendalikan bersama oleh orangyang diidentifikasi sebagaimanadimaksud dalam angka 1); atau
f) The entity is controlled or jointlycontrolled by a person identified in 1);or
g) Orang yang diidentifikasisebagaimana dimaksud dalam angka1) huruf a) memiliki pengaruhsignifikan atas entitas ataumerupakan personil manajemenkunci entitas (atau entitas induk darientitas).
g) A person identified in 1) a) hassignificant influence over the entity oris a member of the key managementpersonnel of the entity (or a parent ofthe entity).
Seluruh transaksi dan saldo yang materialdengan pihak-pihak berelasi diungkapkandalam catatan atas laporan keuangan yangrelevan.
All significant transactions and balances withrelated parties are disclosed in the relevantnotes to the financial statements.
d. Aset keuangan d. Financial assets
Klasifikasi
Aset keuangan diklasifikasikan sebagai asetkeuangan yang diukur pada nilai wajar melaluilaporan laba rugi, pinjaman yang diberikan danpiutang, investasi dimiliki hingga jatuh tempo,aset keuangan tersedia untuk dijual, atausebagai derivatif yang ditetapkan sebagaiinstrumen lindung nilai yang efektif, jika sesuai.Perusahaan menentukan klasifikasi atas asetkeuangan pada saat pengakuan awal.
Classification
Financial assets are classified as financialassets at fair value through profit or loss, loansand receivables, held-to-maturity investments,available-for-sale financial assets, or asderivatives designated as hedging instrumentsin an effective hedge, as appropriate. TheCompany determines the classification of itsfinancial assets at initial recognition.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
393
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
22
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
c. Transaksi dengan pihak-pihak berelasi(lanjutan)
c. Transactions with related parties(continued)
2) Entitas mempunyai relasi dengan entitaspelapor jika entitas tersebut: (lanjutan)
2) An entity is related to a reporting entity ifany of the following conditions applies:(continued)
e) Entitas tersebut adalah suatuprogram imbalan kerja untuk imbalankerja dari salah satu entitas pelaporatau entitas yang terkait denganentitas pelapor. Jika entitas pelaporadalah entitas yangmenyelenggarakan programtersebut, maka entitas sponsor jugaberelasi dengan entitas pelapor;
e) The entity is a employee benefit planfor the benefit of employees of eitherthe reporting entity or an entity relatedto the reporting entity. If the reportingentity is it self such a plan, thesponsoring employers are also relatedto the reporting entity;
f) Entitas yang dikendalikan ataudikendalikan bersama oleh orangyang diidentifikasi sebagaimanadimaksud dalam angka 1); atau
f) The entity is controlled or jointlycontrolled by a person identified in 1);or
g) Orang yang diidentifikasisebagaimana dimaksud dalam angka1) huruf a) memiliki pengaruhsignifikan atas entitas ataumerupakan personil manajemenkunci entitas (atau entitas induk darientitas).
g) A person identified in 1) a) hassignificant influence over the entity oris a member of the key managementpersonnel of the entity (or a parent ofthe entity).
Seluruh transaksi dan saldo yang materialdengan pihak-pihak berelasi diungkapkandalam catatan atas laporan keuangan yangrelevan.
All significant transactions and balances withrelated parties are disclosed in the relevantnotes to the financial statements.
d. Aset keuangan d. Financial assets
Klasifikasi
Aset keuangan diklasifikasikan sebagai asetkeuangan yang diukur pada nilai wajar melaluilaporan laba rugi, pinjaman yang diberikan danpiutang, investasi dimiliki hingga jatuh tempo,aset keuangan tersedia untuk dijual, atausebagai derivatif yang ditetapkan sebagaiinstrumen lindung nilai yang efektif, jika sesuai.Perusahaan menentukan klasifikasi atas asetkeuangan pada saat pengakuan awal.
Classification
Financial assets are classified as financialassets at fair value through profit or loss, loansand receivables, held-to-maturity investments,available-for-sale financial assets, or asderivatives designated as hedging instrumentsin an effective hedge, as appropriate. TheCompany determines the classification of itsfinancial assets at initial recognition.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
23
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
d. Aset keuangan (lanjutan) d. Financial assets (continued)
Pengakuan dan Pengukuran
Pada saat pengakuan awal, aset keuangandiukur pada nilai wajarnya, ditambah, dalam halaset keuangan tidak diukur pada nilai wajardalam laporan laba rugi, biaya transaksi yangdapat diatribusikan secara langsung denganperolehan atau penerbitan aset keuangantersebut. Pengukuran aset keuangan setelahpengakuan awal tergantung pada klasifikasiaset.
Recognition and Measurement
Financial assets are recognized initially at fairvalue, plus, in the case of financial assets not atfair value through profit or loss, directlyattributable transaction costs. The subsequentmeasurement of financial assets depends ontheir classification.
Aset keuangan Perusahaan terdiri dari kas dansetara kas, piutang pembiayaan konsumen -neto, uang muka dealer, dan piutang lain-lainyang diklasifikasikan sebagai pinjaman yangdiberikan dan piutang.
The Company’s financial assets consist of cashand cash equivalents, consumer financingreceivables - net, dealer advances, and otherreceivables classified as loans and receivables.
Pinjaman yang diberikan dan piutang adalahaset keuangan non-derivatif denganpembayaran tetap atau telah ditentukan dantidak mempunyai kuotasi di pasar aktif. Setelahpengakuan awal, aset keuangan tersebutdicatat pada biaya perolehan diamortisasimenggunakan metode suku bunga efektif.Keuntungan atau kerugian diakui sebagai labarugi ketika aset keuangan tersebut dihentikanpengakuannya atau mengalami penurunannilai, dan melalui proses amortisasi.
Loans and receivables are non-derivativefinancial assets with fixed or determinablepayments that are not quoted in an activemarket. Subsequent to initial recognition, suchfinancial assets are carried at amortized costusing the effective interest rate method. Gainsor losses are recognized in the profit or losswhen the financial assets are derecognized orimpaired, as well as through the amortizationprocess.
Biaya amortisasi dihitung denganmenggunakan metode suku bunga efektifdikurangi cadangan kerugian penurunan nilaiatas penurunan nilai dan pembayaran ataupengurangan pokok. Perhitungan tersebutmemperhitungkan premium atau diskonto padasaat perolehan dan termasuk biaya-biayatransaksi dan fee yang merupakan bagian takterpisahkan dari suku bunga efektif.
Amortized cost is computed using the effectiveinterest method less any allowance forimpairment losses and principal repayment orreduction. The calculation takes into accountany premium or discount on acquisition andincludes transaction costs and fees that areintegral part of the effective interest rate.
Aset keuangan tersedia untuk dijual adalah asetkeuangan non-derivatif yang tidakdiklasifikasikan sebagai dimiliki untukdiperdagangkan atau diukur pada nilai wajarmelalui laporan laba rugi, dimiliki hingga jatuhtempo, dan pinjaman yang diberikan danpiutang.
Available-for-sale financial assets are non-derivative financial assets that are neitherclassified as held-for-trading nor measured as atfair value through profit or loss, held-to-maturity,and loans and receivables.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH394
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
24
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
d. Aset keuangan (lanjutan) d. Financial assets (continued)
Pengakuan dan Pengukuran (lanjutan) Recognition and Measurement (continued)
Setelah pengukuran awal, aset keuangantersedia untuk dijual selanjutnya diukur sebesarnilai wajar. Keuntungan dan kerugian yangbelum direalisasi diakui langsung dalam ekuitassebagai “Keuntungan/(kerugian) yang belumdirealisasi atas perubahan nilai wajar investasikeuangan yang tersedia untuk dijual” danpendapatan komprehensif lainnya sebagai“Mutasi sehubungan dengan perubahan nilaiwajar investasi keuangan yang tersedia untukdijual”.
After initial measurement, available-for-salefinancial assets are subsequently measuredat fair value. Unrealized gains and lossesare recognized directly in equity as"Unrealized gains/(losses) on changes infair value of available-for-sale financialinvestments" and other comprehensiveincome as “Mutation in respect of fair valuechange of avalaible-for-sale financialinvestments”.
Penghentian Pengakuan
Perusahaan menghentikan pengakuan asetkeuangan, jika dan hanya jika, hak kontraktualuntuk menerima arus kas yang berasal dari asetkeuangan tersebut berakhir; atau Perusahaanmentransfer hak untuk menerima arus kas yangberasal dari aset keuangan atau menanggungkewajiban untuk membayarkan arus kas yangditerima tersebut secara penuh tanpapenundaan berarti kepada pihak ketiga di bawahkesepakatan pelepasan (pass througharrangement); dan (a) Perusahaan telahmentransfer secara substansial seluruh risikodan manfaat atas aset, atau (b) Perusahaantidak mentransfer maupun tidak memiliki secarasubstansial seluruh risiko dan manfaat atas aset,namun telah mentransfer pengendalian atasaset.
Derecognition
The Company derecognizes a financialasset if, and only if, the contractual rightsto receive cash flows from the asset haveexpired; or the Company has transferred itsrights to receive cash flows from the asset orhas assumed an obligation to pay thereceived cash flows in full without materialdelay to a third party under a pass througharrangement; and either (a) the Companyhas transferred substantially all the risksand rewards of the asset, or (b) theCompany has neither transferred norretained substantially all the risks andrewards of the asset, but has transferredcontrol of the asset.
e. Penurunan nilai aset keuangan e. Impairment of financial assets
Pada setiap tanggal pelaporan, Perusahaanmengevaluasi apakah terdapat bukti objektiftelah terjadinya penurunan nilai atas asetkeuangan Perusahaan. Aset keuangan ataukelompok aset keuangan diturunkan nilainya dankerugian penurunan nilai telah terjadi jika, danhanya jika, terdapat bukti yang objektif mengenaipenurunan nilai tersebut sebagai akibat dari satuatau lebih peristiwa yang terjadi setelahpengakuan awal aset tersebut (peristiwa yangmerugikan), dan peristiwa yang merugikantersebut berdampak pada estimasi arus kasmasa depan atas aset keuangan atau kelompokaset keuangan yang dapat diestimasi secarahandal.
At each reporting date, the Companyassesses whether there is objective evidencethat the Company's financial assets areimpaired. A financial asset or a group offinancial assets is deemed to be impaired if,and only if, there is objective evidence ofimpairment as a result of one or more eventsthat has occurred after the initial recognitionof the asset (an incurred ‘loss event’) and thatloss event has an impact on the estimatedfuture cash flows of the financial asset or thegroup of financial assets that can be reliablyestimated.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
395
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
24
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
d. Aset keuangan (lanjutan) d. Financial assets (continued)
Pengakuan dan Pengukuran (lanjutan) Recognition and Measurement (continued)
Setelah pengukuran awal, aset keuangantersedia untuk dijual selanjutnya diukur sebesarnilai wajar. Keuntungan dan kerugian yangbelum direalisasi diakui langsung dalam ekuitassebagai “Keuntungan/(kerugian) yang belumdirealisasi atas perubahan nilai wajar investasikeuangan yang tersedia untuk dijual” danpendapatan komprehensif lainnya sebagai“Mutasi sehubungan dengan perubahan nilaiwajar investasi keuangan yang tersedia untukdijual”.
After initial measurement, available-for-salefinancial assets are subsequently measuredat fair value. Unrealized gains and lossesare recognized directly in equity as"Unrealized gains/(losses) on changes infair value of available-for-sale financialinvestments" and other comprehensiveincome as “Mutation in respect of fair valuechange of avalaible-for-sale financialinvestments”.
Penghentian Pengakuan
Perusahaan menghentikan pengakuan asetkeuangan, jika dan hanya jika, hak kontraktualuntuk menerima arus kas yang berasal dari asetkeuangan tersebut berakhir; atau Perusahaanmentransfer hak untuk menerima arus kas yangberasal dari aset keuangan atau menanggungkewajiban untuk membayarkan arus kas yangditerima tersebut secara penuh tanpapenundaan berarti kepada pihak ketiga di bawahkesepakatan pelepasan (pass througharrangement); dan (a) Perusahaan telahmentransfer secara substansial seluruh risikodan manfaat atas aset, atau (b) Perusahaantidak mentransfer maupun tidak memiliki secarasubstansial seluruh risiko dan manfaat atas aset,namun telah mentransfer pengendalian atasaset.
Derecognition
The Company derecognizes a financialasset if, and only if, the contractual rightsto receive cash flows from the asset haveexpired; or the Company has transferred itsrights to receive cash flows from the asset orhas assumed an obligation to pay thereceived cash flows in full without materialdelay to a third party under a pass througharrangement; and either (a) the Companyhas transferred substantially all the risksand rewards of the asset, or (b) theCompany has neither transferred norretained substantially all the risks andrewards of the asset, but has transferredcontrol of the asset.
e. Penurunan nilai aset keuangan e. Impairment of financial assets
Pada setiap tanggal pelaporan, Perusahaanmengevaluasi apakah terdapat bukti objektiftelah terjadinya penurunan nilai atas asetkeuangan Perusahaan. Aset keuangan ataukelompok aset keuangan diturunkan nilainya dankerugian penurunan nilai telah terjadi jika, danhanya jika, terdapat bukti yang objektif mengenaipenurunan nilai tersebut sebagai akibat dari satuatau lebih peristiwa yang terjadi setelahpengakuan awal aset tersebut (peristiwa yangmerugikan), dan peristiwa yang merugikantersebut berdampak pada estimasi arus kasmasa depan atas aset keuangan atau kelompokaset keuangan yang dapat diestimasi secarahandal.
At each reporting date, the Companyassesses whether there is objective evidencethat the Company's financial assets areimpaired. A financial asset or a group offinancial assets is deemed to be impaired if,and only if, there is objective evidence ofimpairment as a result of one or more eventsthat has occurred after the initial recognitionof the asset (an incurred ‘loss event’) and thatloss event has an impact on the estimatedfuture cash flows of the financial asset or thegroup of financial assets that can be reliablyestimated.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
25
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
e. Penurunan nilai aset keuangan (lanjutan) e. Impairment of financial assets (continued)
Bukti penurunan nilai meliputi indikasi bahwakesulitan keuangan signifikan yang dialamipenerbit atau pihak peminjam, wanprestasiatau tunggakan pembayaran pokok ataubunga, kemungkinan bahwa pihak peminjamakan dinyatakan pailit atau melakukanreorganisasi keuangan lainnya dan data yangdapat diobservasi mengindikasikan adanyapenurunan yang dapat diukur atas estimasiarus kas masa datang, misalnya perubahankondisi ekonomi yang berkorelasi denganwanprestasi atas aset dalam kelompoktersebut.
Evidence of impairment may includeindications that the debtors or a group ofdebtors is experiencing significant financialdifficulty, default or delinquency in principal orinterest payments, the probability that they willenter bankruptcy or other financialreorganization and where observable dataindicate that there is a measurable decreasein the estimated future cash flows, such aschanges in arrears or economic conditionsthat correlate with defaults.
Untuk aset keuangan yang dicatat pada biayaperolehan diamortisasi, Perusahaan pertamakali menentukan apakah terdapat bukti objektifpenurunan nilai secara individual atas asetkeuangan yang signifikan secara individual,atau secara kolektif untuk aset keuangan yangtidak signifikan secara individual.
For financial assets carried at amortized cost,the Company first assesses individuallywhether objective evidence of impairmentexists individually for financial assets that areindividually significant, or collectively forfinancial assets that are individually notsignificant.
Penilaian secara individual dilakukan atas asetkeuangan yang signifikan yang memiliki buktiobjektif penurunan nilai. Aset keuangan yangtidak signifikan dimasukkan dalam kelompokaset keuangan yang memiliki karakteristik risikokredit yang sejenis dan dilakukan penilaiansecara kolektif.
Individual assessment is performed on thesignificant financial assets that had objectiveevidence of impairment. The insignificantfinancial assets include in the group offinancial assets with similar credit riskcharacteristics and assessed collectively.
Jika Perusahaan menentukan tidak terdapatbukti objektif penurunan nilai atas asetkeuangan yang dinilai secara individual, makaPerusahaan memasukkan aset tersebut kedalam kelompok aset keuangan yang memilikikarakteristik risiko kredit yang sejenis danmenilai penurunan nilai kelompok tersebutsecara kolektif.
However, if the Company determines that noobjective evidence of impairment exists for anindividually assessed financial asset, theCompany includes the asset in a group offinancial assets with similar credit riskcharacteristics and collectively assesses themfor impairment.
Penyisihan kerugian penurunan nilai secaraindividual dihitung dengan menggunakanmetode diskonto arus kas (discounted cashflows). Sedangkan penyisihan kerugianpenurunan nilai secara kolektif dihitung denganmenggunakan metode statistik dari data historisberupa probability of default di masa lalu, waktupengembalian dan jumlah kerugian yang terjadi(loss given default) yang selanjutnyadisesuaikan lagi dengan pertimbanganmanajemen terkait kondisi ekonomi dan kreditsaat ini.
Allowance for impairment losses on impairedfinancial assets that were assessedindividually by using discounted cash flowsmethod. While for allowance for impairmentlosses on impaired financial assets that wasassessed collectively, the Company usesstatistical method of the historical data such asthe probability of defaults, time of recoveries,the amount of loss incurred (loss givendefault), and by considering formanagement’s judgement of currenteconomic and credit conditions.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH396
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
26
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
e. Penurunan nilai aset keuangan (lanjutan) e. Impairment of financial assets (continued)
Evaluasi penyisihan kerugian penurunan nilaisecara kolektif mencakup kerugian kredit yangmelekat pada portofolio piutang pembiayaankonsumen dengan karakteristik ekonomi yangserupa ketika terdapat bukti objektif bahwatelah terjadi penurunan nilai piutang dalamportofolio tersebut, namun penurunan nilaisecara individual belum dapat diidentifikasi.
Evaluation on allowance for collectiveimpairment cover credit losses inherent inportfolios of consumer financing receivableswith similar economic characteristics isperformed when there is objective evidence tosuggest that they contain impaired receivables,but the individual impaired items cannot yet beidentified.
Dalam menentukan perlunya untuk membentukpenyisihan kerugian penurunan nilai secarakolektif, manajemen mempertimbangkanbeberapa faktor seperti kualitas kredit,besarnya portofolio, konsentrasi kredit danfaktor-faktor ekonomi.
Dalam mengestimasi penyisihan yangdibutuhkan, asumsi-asumsi dibuat untukmenentukan model kerugian bawaan dan untukmenentukan parameter input yang diperlukan,berdasarkan pengalaman historis dan keadaanekonomi saat ini. Ketepatan dari penyisihan inibergantung pada asumsi model dan parameteryang digunakan dalam penentuan penyisihankerugian penurunan nilai secara kolektif.
In assessing the need for allowance forcollective impairment losses, managementconsiders several factors such as credit quality,portfolio size, credit concentrations andeconomic factors.
In order to estimate the required allowance,assumptions are made to define the wayinherent losses are modeled and to determinethe required input parameters, based onhistorical experience and current economicconditions. The accuracy of the allowancesdepends on the model assumptions andparameters used in determining allowance forcollective impairment losses.
Perusahaan menentukan bukti penurunan nilaiatas piutang pembiayaan konsumen secarakolektif karena manajemen yakin bahwapiutang pembiayaan konsumen ini memilikikarakteristik risiko kredit yang serupa.
The Company determines evidence ofimpairment for consumer financing receivablesat a collective level because the managementbelieves that consumer financing receivableshave similar credit risk characteristics.
Dalam mengevaluasi penurunan nilai secarakolektif, Perusahaan menggunakan metode rollrate dari tren historis atas probabilitaswanprestasi, waktu pemulihan kembali, danjumlah kerugian yang terjadi, yang disesuaikandengan pertimbangan manajemen mengenaiapakah kondisi ekonomi dan kredit terkinisedemikian rupa sehingga dapatmengakibatkan kerugian aktual yang jumlahnyaakan lebih besar atau lebih kecil daripadajumlah yang ditentukan oleh model historis.Tingkat wanprestasi, tingkat kerugian danwaktu yang diharapkan untuk pemulihan dimasa datang akan diperbandingkan secaraberkala terhadap hasil aktual untuk memastikanestimasi tersebut masih memadai.
In assessing collective impairment, theCompany uses roll rate method of historicaltrends of the probability of default, timing ofrecoveries, and the amount of loss incurred,adjusted for management's judgement as towhether current economic and credit conditionsare such that the actual losses are likely to begreater or less than suggested by historicalmodeling. Default rates, loss rates and theexpected timing of future recoveries areregularly benchmarked against actualoutcomes to ensure that they remainappropriate.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
397
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
26
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
e. Penurunan nilai aset keuangan (lanjutan) e. Impairment of financial assets (continued)
Evaluasi penyisihan kerugian penurunan nilaisecara kolektif mencakup kerugian kredit yangmelekat pada portofolio piutang pembiayaankonsumen dengan karakteristik ekonomi yangserupa ketika terdapat bukti objektif bahwatelah terjadi penurunan nilai piutang dalamportofolio tersebut, namun penurunan nilaisecara individual belum dapat diidentifikasi.
Evaluation on allowance for collectiveimpairment cover credit losses inherent inportfolios of consumer financing receivableswith similar economic characteristics isperformed when there is objective evidence tosuggest that they contain impaired receivables,but the individual impaired items cannot yet beidentified.
Dalam menentukan perlunya untuk membentukpenyisihan kerugian penurunan nilai secarakolektif, manajemen mempertimbangkanbeberapa faktor seperti kualitas kredit,besarnya portofolio, konsentrasi kredit danfaktor-faktor ekonomi.
Dalam mengestimasi penyisihan yangdibutuhkan, asumsi-asumsi dibuat untukmenentukan model kerugian bawaan dan untukmenentukan parameter input yang diperlukan,berdasarkan pengalaman historis dan keadaanekonomi saat ini. Ketepatan dari penyisihan inibergantung pada asumsi model dan parameteryang digunakan dalam penentuan penyisihankerugian penurunan nilai secara kolektif.
In assessing the need for allowance forcollective impairment losses, managementconsiders several factors such as credit quality,portfolio size, credit concentrations andeconomic factors.
In order to estimate the required allowance,assumptions are made to define the wayinherent losses are modeled and to determinethe required input parameters, based onhistorical experience and current economicconditions. The accuracy of the allowancesdepends on the model assumptions andparameters used in determining allowance forcollective impairment losses.
Perusahaan menentukan bukti penurunan nilaiatas piutang pembiayaan konsumen secarakolektif karena manajemen yakin bahwapiutang pembiayaan konsumen ini memilikikarakteristik risiko kredit yang serupa.
The Company determines evidence ofimpairment for consumer financing receivablesat a collective level because the managementbelieves that consumer financing receivableshave similar credit risk characteristics.
Dalam mengevaluasi penurunan nilai secarakolektif, Perusahaan menggunakan metode rollrate dari tren historis atas probabilitaswanprestasi, waktu pemulihan kembali, danjumlah kerugian yang terjadi, yang disesuaikandengan pertimbangan manajemen mengenaiapakah kondisi ekonomi dan kredit terkinisedemikian rupa sehingga dapatmengakibatkan kerugian aktual yang jumlahnyaakan lebih besar atau lebih kecil daripadajumlah yang ditentukan oleh model historis.Tingkat wanprestasi, tingkat kerugian danwaktu yang diharapkan untuk pemulihan dimasa datang akan diperbandingkan secaraberkala terhadap hasil aktual untuk memastikanestimasi tersebut masih memadai.
In assessing collective impairment, theCompany uses roll rate method of historicaltrends of the probability of default, timing ofrecoveries, and the amount of loss incurred,adjusted for management's judgement as towhether current economic and credit conditionsare such that the actual losses are likely to begreater or less than suggested by historicalmodeling. Default rates, loss rates and theexpected timing of future recoveries areregularly benchmarked against actualoutcomes to ensure that they remainappropriate.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
27
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
e. Penurunan nilai aset keuangan (lanjutan) e. Impairment of financial assets (continued)
Pertimbangan utama untuk penilaianpenurunan nilai piutang pembiayaan konsumentermasuk pembayaran pokok atau bunga yangjatuh tempo lebih dari 90 (sembilan puluh) hariatau ada kesulitan atau pelanggaran yangdiketahui dari persyaratan yang terdapat dalamkontrak.
The main considerations for the consumerfinancing receivables impairment assessmentinclude whether any payments of principal orinterest are overdue by more than ninety (90)days or there are any known difficulties, orinfringement of the original terms of contract.
Nilai tercatat aset tersebut diturunkan melaluiakun cadangan dan jumlah kerugian yangterjadi diakui sebagai laba rugi.
The carrying amount of the asset is reducedthrough the use of an allowance account andthe amount of the loss is recognized in the profitor loss.
Pendapatan bunga terus diakui atas nilaitercatat yang menurun tersebut berdasarkansuku bunga efektif awal dari aset.
Jika, pada periode berikutnya, jumlah estimasikerugian penurunan nilai meningkat ataumenurun karena peristiwa yang terjadi setelahpengakuan kerugian penurunan nilai, makakerugian penurunan nilai yang sudah diakuisebelumnya dinaikkan atau diturunkan denganmenyesuaikan akun cadangan.
Jika penghapusan di masa datang kemudiandiperoleh kembali, pemulihan tersebut diakuisebagai laba pada laporan laba rugi danpenghasilan komprehensif lain.
Interest income continues to be accrued on thereduced carrying amount based on the originaleffective interest rate of the asset.
If, in a subsequent period, the amount of theestimated impairment loss increases ordecreases because of an event occurring afterthe impairment was recognized, the previouslyrecognized impairment loss is increased orreduced by adjusting the allowance account.
If a future write-off is later recovered, therecovery is recognized as profit in the statementof profit or loss and other comprehensiveincome.
f. Liabilitas keuangan f. Financial liabilities
Liabilitas keuangan diklasifikasikan sebagailiabilitas keuangan yang diukur pada nilai wajarmelalui laporan laba rugi, liabilitas keuangandiukur pada biaya perolehan diamortisasi atauderivatif yang telah ditetapkan untuk tujuanlindung nilai yang efektif, jika sesuai.
Financial liabilities are classified as financialliabilities at fair value through profit or loss,financial liabilities measured at amortized costor as derivatives designated as hedginginstruments in an effective hedge asappropriate.
Perusahaan menentukan klasifikasi atasliabilitas keuangan pada saat pengakuan awal.
The Company determines the classification ofits financial liabilities in initial recognition.
Pada saat pengakuan awal liabilitas keuangandiukur pada nilai wajarnya.
Financial liabilities are recognized initially at fairvalue.
Liabilitas keuangan Perusahaan terdiri dariutang bank, biaya bunga masih harus dibayar,utang lain-lain, utang obligasi dan utangsubordinasi yang diklasifikasikan sebagailiabilitas keuangan diukur pada biaya perolehandiamortisasi.
The Company’s financial liabilities consist ofbank loans, accrued interest expenses, otherpayables, bonds payable and subordinatedloan classified as financial liabilities measuredat amortized cost.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH398
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
28
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
f. Liabilitas keuangan (lanjutan) f. Financial liabilities (continued)
Dalam hal liabilitas keuangan diukur pada biayaperolehan diamortisasi, pada awalnya diakuipada nilai wajar dikurangi dengan biayatransaksi yang bisa diatribusikan secaralangsung dan selanjutnya diukur pada biayaperolehan diamortisasi, menggunakan sukubunga efektif kecuali jika dampak diskonto tidakmaterial, maka dinyatakan pada biayaperolehan. Beban bunga diakui dalam “BebanPendanaan” dalam laporan laba rugi danpenghasilan komprehensif lain. Keuntunganatau kerugian diakui sebagai laba rugi ketikaliabilitas keuangan tersebut dihentikanpengakuannya dan melalui proses amortisasi.
In the case of financial liabilities measured atamortized cost, these are initially recorded atfair value less directly attributable transactioncosts and are subsequently measured atamortised cost, using the effective interest ratemethod unless the effect of discounting wouldbe immaterial, in which case they are stated atcost. The related interest expense isrecognized within “Financing Costs” in thestatement of profit or loss and othercomprehensive income. Gains or losses arerecognized in the profit or loss when thefinancial liabilities are derecognized as well asthrough the amortization process.
Liabilitas keuangan dihentikan pengakuannyaketika kewajiban yang ditetapkan dalam kontrakditunaikan atau dibatalkan atau kadaluwarsa.
A financial liability is derecognized when theobligation specified in the contract isdischarged or cancelled or expired.
g. Saling hapus instrumen keuangan g. Offsetting financial instruments
Aset keuangan dan liabilitas keuangan salinghapus dan nilai netonya dilaporkan dalamlaporan posisi keuangan jika, dan hanya jika,terdapat hak yang berkekuatan hukum untuksaling hapus atas jumlah yang diakui danterdapat niat untuk menyelesaikan secara neto,atau untuk merealisasikan aset danmenyelesaikan liabilitas secara bersamaan.
Financial assets and financial liabilities areoffset and the net amount are reported in thestatements of financial position if, and only if,there is a currently enforceable legal right tooffset the recognized amounts and there is anintention to settle on a net basis, or to realizethe assets and settle the liabilitiessimultaneously.
Hal yang berkekuatan hukum harus tidakkontinjen atas peristiwa di masa depan danharus dapat dipaksakan di dalam situasi bisnisyang normal, peristiwa kegagalan ataukebangkrutan dari entitas atas seluruh pihaklawan.
The legally enforceable right must not be,contingent on future events and must beenforceable in the normal course of business andin the event of default, insolvency or bankruptcyof the company or the counterparty.
Pendapatan dan beban disajikan dalam jumlahneto hanya jika diperkenankan oleh StandarAkuntansi Keuangan.
Income and expenses are presented on a netbasis only when permitted by the FinancialAccounting Standards.
h. Piutang pembiayaan konsumen, piutangpembiayaan murabahah dan cadangankerugian penurunan nilai
h. Consumer financing receivables,murabahah financing receivables andallowance for impairment losses
Piutang pembiayaan konsumen merupakanjumlah piutang setelah dikurangi denganbagian yang dibiayai bank-bank sehubungandengan transaksi kerjasama pembiayaanbersama, pendapatan pembiayaan konsumenyang belum diakui dan cadangan kerugianpenurunan nilai.
Consumer financing receivables are presentednet of amounts financed by banks relating to thecooperation transactions in the form of jointfinancing, unearned consumer financingincome and allowance for impairment losses.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
399
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
28
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
f. Liabilitas keuangan (lanjutan) f. Financial liabilities (continued)
Dalam hal liabilitas keuangan diukur pada biayaperolehan diamortisasi, pada awalnya diakuipada nilai wajar dikurangi dengan biayatransaksi yang bisa diatribusikan secaralangsung dan selanjutnya diukur pada biayaperolehan diamortisasi, menggunakan sukubunga efektif kecuali jika dampak diskonto tidakmaterial, maka dinyatakan pada biayaperolehan. Beban bunga diakui dalam “BebanPendanaan” dalam laporan laba rugi danpenghasilan komprehensif lain. Keuntunganatau kerugian diakui sebagai laba rugi ketikaliabilitas keuangan tersebut dihentikanpengakuannya dan melalui proses amortisasi.
In the case of financial liabilities measured atamortized cost, these are initially recorded atfair value less directly attributable transactioncosts and are subsequently measured atamortised cost, using the effective interest ratemethod unless the effect of discounting wouldbe immaterial, in which case they are stated atcost. The related interest expense isrecognized within “Financing Costs” in thestatement of profit or loss and othercomprehensive income. Gains or losses arerecognized in the profit or loss when thefinancial liabilities are derecognized as well asthrough the amortization process.
Liabilitas keuangan dihentikan pengakuannyaketika kewajiban yang ditetapkan dalam kontrakditunaikan atau dibatalkan atau kadaluwarsa.
A financial liability is derecognized when theobligation specified in the contract isdischarged or cancelled or expired.
g. Saling hapus instrumen keuangan g. Offsetting financial instruments
Aset keuangan dan liabilitas keuangan salinghapus dan nilai netonya dilaporkan dalamlaporan posisi keuangan jika, dan hanya jika,terdapat hak yang berkekuatan hukum untuksaling hapus atas jumlah yang diakui danterdapat niat untuk menyelesaikan secara neto,atau untuk merealisasikan aset danmenyelesaikan liabilitas secara bersamaan.
Financial assets and financial liabilities areoffset and the net amount are reported in thestatements of financial position if, and only if,there is a currently enforceable legal right tooffset the recognized amounts and there is anintention to settle on a net basis, or to realizethe assets and settle the liabilitiessimultaneously.
Hal yang berkekuatan hukum harus tidakkontinjen atas peristiwa di masa depan danharus dapat dipaksakan di dalam situasi bisnisyang normal, peristiwa kegagalan ataukebangkrutan dari entitas atas seluruh pihaklawan.
The legally enforceable right must not be,contingent on future events and must beenforceable in the normal course of business andin the event of default, insolvency or bankruptcyof the company or the counterparty.
Pendapatan dan beban disajikan dalam jumlahneto hanya jika diperkenankan oleh StandarAkuntansi Keuangan.
Income and expenses are presented on a netbasis only when permitted by the FinancialAccounting Standards.
h. Piutang pembiayaan konsumen, piutangpembiayaan murabahah dan cadangankerugian penurunan nilai
h. Consumer financing receivables,murabahah financing receivables andallowance for impairment losses
Piutang pembiayaan konsumen merupakanjumlah piutang setelah dikurangi denganbagian yang dibiayai bank-bank sehubungandengan transaksi kerjasama pembiayaanbersama, pendapatan pembiayaan konsumenyang belum diakui dan cadangan kerugianpenurunan nilai.
Consumer financing receivables are presentednet of amounts financed by banks relating to thecooperation transactions in the form of jointfinancing, unearned consumer financingincome and allowance for impairment losses.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
29
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
h. Piutang pembiayaan konsumen, piutangpembiayaan murabahah dan cadangankerugian penurunan nilai (lanjutan)
h. Consumer financing receivables,murabahah financing receivables andallowance for impairment losses(continued)
Berdasarkan perjanjian kerjasama pembiayaanbersama konsumen tanpa jaminan (withoutrecourse) dan penerusan pinjaman,Perusahaan hanya menyajikan porsi jumlahangsuran piutang yang dibiayai Perusahaan(pendekatan neto). Pendapatan pembiayaankonsumen disajikan setelah dikurangi denganbagian yang merupakan hak bank-bank dalamrangka transaksi tersebut.
Based on the consumer joint financingagreements (without recourse) and channeling,the Company only presents the portion of thetotal installments receivable financing by theCompany (net approach). The consumerfinancing income is presented net of amountsof the banks’ rights on such income relating tothe transactions.
Untuk pembiayaan bersama konsumen denganjaminan (with recourse), piutang pembiayaankonsumen merupakan seluruh jumlah angsurandari pelanggan dan kredit yang disalurkan olehpenyedia dana dicatat sebagai liabilitas(pendekatan bruto).
For consumer joint financing agreements (withrecourse), consumer financing receivablesrepresent all consumers’ installments and thetotal facilities financed by creditors are recordedas liability (gross approach).
Pendapatan pembiayaan konsumen yangbelum diakui, yang merupakan selisih antarajumlah keseluruhan pembayaran angsuranyang akan diterima dari konsumen denganjumlah pokok pembiayaan konsumen, diakuisebagai pendapatan sesuai dengan jangkawaktu kontrak pembiayaan konsumenberdasarkan tingkat suku bunga efektif piutangpembiayaan konsumen.
Selisih neto antara pendapatan administrasiyang diperoleh dari konsumen pada saatpertama kali perjanjian pembiayaan konsumenditandatangani dan biaya-biaya yang timbulpertama kali yang terkait langsung dengankredit pembiayaan konsumen ditangguhkandan disajikan sebagai bagian dari “PiutangPembiayaan Konsumen” pada laporan posisikeuangan dan diakui sebagai penyesuaian atasimbal hasil selama periode pembiayaankonsumen berdasarkan tingkat suku bungaefektif dan disajikan sebagai bagian dari“Pendapatan Pembiayaan Konsumen - Neto”pada laporan laba rugi dan penghasilankomprehensif lain tahun berjalan.
Unearned income on consumer financing,which is the excess of the aggregate installmentpayments to be received from the consumersover the principal amount financed, isrecognized as income over the term of therespective agreement using the effectiveinterest rate method.
The net difference between the administrationincome earned from the consumer at the firsttime the financing agreement is signed andinitial direct costs related to consumer financingfacility is deferred and presented as part of“Consumer Financing Receivables” in thestatement of financial position and recognizedas an adjustment to the yield receivedthroughout the consumer financing period usingeffective interest rate method and presented asa part of “Consumer Financing Income - Net” inthe statement of profit or loss and othercomprehensive income for the current year.
Perusahaan mengevaluasi apakah terdapatbukti yang objektif bahwa aset keuanganmengalami penurunan nilai seperti dijelaskanpada Catatan 2e.
The Company assesses whether there is anyobjective evidence that a financial asset isimpaired as explained in Note 2e.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH400
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
30
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
h. Piutang pembiayaan konsumen, piutangpembiayaan murabahah dan cadangankerugian penurunan nilai (lanjutan)
h. Consumer financing receivables,murabahah financing receivables andallowance for impairment losses(continued)
Piutang yang tak tertagih dihapuskanberdasarkan evaluasi manajemen Perusahaandan pada umumnya setelah menunggak lebihdari 210 (dua ratus sepuluh) hari. Penerimaandari piutang yang telah dihapusbukukan diakuisebagai pendapatan lain-lain pada saatterjadinya.
Receivables are written-off when they aredeemed to be uncollectible based onCompany’s management evaluation andgenerally when they are overdue for more thantwo hundred and ten (210) days. Collection ofreceivables previously written-off is recognizedas other income at the time of occurrence.
Bunga yang dikenakan kepada pelanggandicatat sebagai bagian dari pendapatanpembiayaan konsumen - neto, sedangkanbunga yang dikenakan penyedia dana dicatatsebagai beban pendanaan.
Total interest earned from customers isrecorded as part of consumer financing income- net, while interest charged by the creditors isrecorded as financing costs.
Murabahah adalah akad jual beli barangdengan harga jual sebesar biaya perolehanditambah keuntungan yang disepakati danPerusahaan harus mengungkapkan biayaperolehan barang tersebut kepada konsumen.
Murabahah is goods sell-buy contract with asold price amounting to acquisition cost plusagreed margin and the Company must todisclose the acquisition cost to customer.
Pada saat akad murabahah, piutangpembiayaan murabahah diakui sebesar biayaperolehan ditambah keuntungan (margin).
When the murabahah contract is signed,murabahah financing receivables arerecognized as at acquisition cost plus agreedmargin.
Keuntungan murabahah diakui selama periodeakad berdasarkan pengakuan margin daripiutang pembiayaan murabahah.
Murabahah margin are recognized over theperiod of the contract based on margin of themurabahah financing receivables.
Akad murabahah secara substansi merupakansuatu pembiayaan, sehingga pengakuanmargin dilakukan berdasarkan standar yangmengatur pembiayaan, seperti yang disebutkandi kebijakan pembiayaan konsumen.
Substantially, murabahah contract is afinancing, so that margin recognition is basedon standards which regulate financing, asmentioned in consumer financing policy.
Pada setiap akhir periode laporan keuangan,piutang pembiayaan murabahah disajikansebesar nilai neto yang dapat direalisasi, yaitusaldo piutang murabahah dikurangi marginyang ditangguhkan dan penyisihan kerugianpenurunan nilai.
At the end of each period of financial statement,murabahah financing receivables are stated atnet realizable value, consist of outstandingmurabahah receivables less unearned marginand allowance for impairment losses.
i. Biaya dibayar di muka i. Prepaid expenses
Biaya dibayar di muka diamortisasi dandibebankan sesuai masa manfaat masing-masing biaya yang bersangkutan.
Prepaid expenses, are amortized and chargedto operations over the periods benefited.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
401
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
30
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
h. Piutang pembiayaan konsumen, piutangpembiayaan murabahah dan cadangankerugian penurunan nilai (lanjutan)
h. Consumer financing receivables,murabahah financing receivables andallowance for impairment losses(continued)
Piutang yang tak tertagih dihapuskanberdasarkan evaluasi manajemen Perusahaandan pada umumnya setelah menunggak lebihdari 210 (dua ratus sepuluh) hari. Penerimaandari piutang yang telah dihapusbukukan diakuisebagai pendapatan lain-lain pada saatterjadinya.
Receivables are written-off when they aredeemed to be uncollectible based onCompany’s management evaluation andgenerally when they are overdue for more thantwo hundred and ten (210) days. Collection ofreceivables previously written-off is recognizedas other income at the time of occurrence.
Bunga yang dikenakan kepada pelanggandicatat sebagai bagian dari pendapatanpembiayaan konsumen - neto, sedangkanbunga yang dikenakan penyedia dana dicatatsebagai beban pendanaan.
Total interest earned from customers isrecorded as part of consumer financing income- net, while interest charged by the creditors isrecorded as financing costs.
Murabahah adalah akad jual beli barangdengan harga jual sebesar biaya perolehanditambah keuntungan yang disepakati danPerusahaan harus mengungkapkan biayaperolehan barang tersebut kepada konsumen.
Murabahah is goods sell-buy contract with asold price amounting to acquisition cost plusagreed margin and the Company must todisclose the acquisition cost to customer.
Pada saat akad murabahah, piutangpembiayaan murabahah diakui sebesar biayaperolehan ditambah keuntungan (margin).
When the murabahah contract is signed,murabahah financing receivables arerecognized as at acquisition cost plus agreedmargin.
Keuntungan murabahah diakui selama periodeakad berdasarkan pengakuan margin daripiutang pembiayaan murabahah.
Murabahah margin are recognized over theperiod of the contract based on margin of themurabahah financing receivables.
Akad murabahah secara substansi merupakansuatu pembiayaan, sehingga pengakuanmargin dilakukan berdasarkan standar yangmengatur pembiayaan, seperti yang disebutkandi kebijakan pembiayaan konsumen.
Substantially, murabahah contract is afinancing, so that margin recognition is basedon standards which regulate financing, asmentioned in consumer financing policy.
Pada setiap akhir periode laporan keuangan,piutang pembiayaan murabahah disajikansebesar nilai neto yang dapat direalisasi, yaitusaldo piutang murabahah dikurangi marginyang ditangguhkan dan penyisihan kerugianpenurunan nilai.
At the end of each period of financial statement,murabahah financing receivables are stated atnet realizable value, consist of outstandingmurabahah receivables less unearned marginand allowance for impairment losses.
i. Biaya dibayar di muka i. Prepaid expenses
Biaya dibayar di muka diamortisasi dandibebankan sesuai masa manfaat masing-masing biaya yang bersangkutan.
Prepaid expenses, are amortized and chargedto operations over the periods benefited.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
31
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
j. Aset tetap j. Property and equipment
Aset tetap pada awalnya dinyatakan sebesarharga perolehan. Setelah pengukuran awal,aset tetap diukur dengan model biaya. Asettetap, kecuali tanah, dicatat pada hargaperolehan dikurangi akumulasi penyusutan danrugi penurunan nilai. Biaya perolehan termasukbiaya penggantian bagian aset tetap saat biayatersebut terjadi, jika memenuhi kriteriapengakuan. Selanjutnya, pada saat inspeksiyang signifikan dilakukan, biaya inspeksi itudiakui ke dalam jumlah tercatat (carryingamount) aset tetap sebagai suatu penggantianjika memenuhi kriteria pengakuan.
Property and equipment are initially stated atacquisition cost. After initial measurement,property and equipment are measured usingthe cost model. Property and equipment, exceptland, are carried at its cost less accumulateddepreciation and impairment losses. Suchacquisition cost includes the cost of replacingpart of the property and equipment when thatcost is incurred, if the recognition criterias aremet. Likewise, when a major inspection isperformed, its cost is recognized in the carryingamount of the property and equipment as areplacement if the recognition criterias aresatisfied.
Semua biaya perbaikan dan pemeliharaan yangtidak memenuhi kriteria pengakuan diakuisebagai laba rugi pada saat terjadinya.
All other repairs and maintenance costs that donot meet the recognition criterias arerecognized in the profit or loss as incurred.
Penyusutan dihitung dengan menggunakanmetode garis lurus berdasarkan estimasi umurmanfaat ekonomis aset tetap sebagai berikut:
Depreciation is computed using the straight-linemethod over the estimated useful lives of theasset as follows:
Tahun/ Persentase/Year Percentage
Bangunan 10 10,00% BuildingsRenovasi kantor 4 - 10 10,00% - 25,00% Leasehold improvementKendaraan 4 25,00% VehiclesPeralatan kantor 4 10,00% Office equipmentPerabot kantor 4 25,00% Office furniture and fixtures
Peralatan dalam proses instalasi dinyatakansebesar biaya perolehan dan disajikan sebagaibagian dari aset tetap. Akumulasi biayaperolehan akan dipindahkan ke masing-masingakun aset tetap yang bersangkutan pada saataset tersebut selesai dikerjakan dan siapdigunakan.
Equipment under installation is stated at costand presented as part of the property andequipment. The accumulated cost will bereclassified to the appropriate property andequipment account when the installation issubstantially completed and the asset is readyfor its intended use.
Apabila aset tetap dihentikan pengakuannya(tidak dipergunakan lagi atau dijual), biayaperolehan beserta akumulasi penyusutan yangterkait dikeluarkan dari kelompok aset tetapyang bersangkutan dan keuntungan ataukerugian yang timbul diakui sebagai laba ataurugi tahun berjalan.
When assets are derecognized (retired orotherwise disposed of), their costs and therelated accumulated depreciation are removedfrom the accounts and any resulting gains orlosses are recognized as profit or loss for thecurrent year.
Pada setiap akhir periode pelaporan estimasiumur manfaat ekonomis, metode penyusutan,dan nilai residu dikaji ulang.
At the reporting date the estimated useful lives,depreciation method, and residual values arereviewed.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH402
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
32
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
k. Aset tidak berwujud k. Intangible assets
Aset tidak berwujud terdiri atas perangkatlunak.
Intangible assets consist of software.
Aset tidak berwujud diakui jika, dan hanya jika,biaya perolehan aset tersebut dapat diukursecara andal dan kemungkinan besar entitasanak akan memperoleh manfaat ekonomismasa depan dari aset tersebut.
Intangible assets are recognized if, and only ifwhen its cost can be measured reliably and it isprobable that expected future benefits that areattributable to it will flow to the entity.
Perangkat lunak Software
Perangkat lunak yang bukan merupakan bagianintegral dari perangkat keras yang terkaitdicatat sebagai aset tidak berwujud dandinyatakan sebesar nilai tercatat, yaitu sebesarharga perolehan dikurangi dengan akumulasiamortisasi.
Software which is not an integral part of arelated hardware is recorded as intangibleassets and stated at carrying amount, which iscost less accumulated amortization.
Biaya perolehan perangkat lunak terdiri dariseluruh pengeluaran yang dapat dikaitkanlangsung dalam persiapan perangkat lunaktersebut dan siap digunakan sesuai dengantujuannya.
Cost of software consists of all expensesdirectly attributable to the preparation of suchsoftware cost and ready to be used for theirintended purpose.
Pengeluaran setelah perolehan perangkatlunak dapat ditambahkan pada biaya perolehanperangkat lunak atau dikapitalisasi sebagaiperangkat lunak hanya jika pengeluarantersebut menambah manfaat ekonomis masadepan dari perangkat lunak yang bersangkutansehingga menjadi lebih besar dari standarkinerja yang diperkirakan semula. Pengeluaranyang tidak menambah manfaat ekonomis masadepan dari perangkat lunak diakui sebagaibeban pada saat terjadinya.
Subsequent expenditure on software iscapitalized as software only if thoseexpenditure increases the future economicbenefits of the software, so that it becomeslarger than originally expected performancestandards. Expenditure with no addition offuture economic benefits from the software isdirectly recognized as expenses when incurred.
Perangkat lunak diamortisasi denganmenggunakan metode garis lurus selamaestimasi umur manfaatnya, yaitu 10 (sepuluh)tahun.
Software is amortized by using straight-linemethod over the estimated useful life ofsoftware, which is ten (10) years.
Amortisasi perangkat lunak diakui dalamlaporan laba rugi dan penghasilankomprehensif lain, sejak tanggal perangkatlunak tersebut tersedia untuk dipakai sampaiberakhirnya masa manfaat dari perangkat lunaktersebut.
Amortization is recognized in the statement ofprofit or loss and other comprehensive incomefrom the date those software is available for useuntil the economic benefits of software isended.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
403
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
32
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
k. Aset tidak berwujud k. Intangible assets
Aset tidak berwujud terdiri atas perangkatlunak.
Intangible assets consist of software.
Aset tidak berwujud diakui jika, dan hanya jika,biaya perolehan aset tersebut dapat diukursecara andal dan kemungkinan besar entitasanak akan memperoleh manfaat ekonomismasa depan dari aset tersebut.
Intangible assets are recognized if, and only ifwhen its cost can be measured reliably and it isprobable that expected future benefits that areattributable to it will flow to the entity.
Perangkat lunak Software
Perangkat lunak yang bukan merupakan bagianintegral dari perangkat keras yang terkaitdicatat sebagai aset tidak berwujud dandinyatakan sebesar nilai tercatat, yaitu sebesarharga perolehan dikurangi dengan akumulasiamortisasi.
Software which is not an integral part of arelated hardware is recorded as intangibleassets and stated at carrying amount, which iscost less accumulated amortization.
Biaya perolehan perangkat lunak terdiri dariseluruh pengeluaran yang dapat dikaitkanlangsung dalam persiapan perangkat lunaktersebut dan siap digunakan sesuai dengantujuannya.
Cost of software consists of all expensesdirectly attributable to the preparation of suchsoftware cost and ready to be used for theirintended purpose.
Pengeluaran setelah perolehan perangkatlunak dapat ditambahkan pada biaya perolehanperangkat lunak atau dikapitalisasi sebagaiperangkat lunak hanya jika pengeluarantersebut menambah manfaat ekonomis masadepan dari perangkat lunak yang bersangkutansehingga menjadi lebih besar dari standarkinerja yang diperkirakan semula. Pengeluaranyang tidak menambah manfaat ekonomis masadepan dari perangkat lunak diakui sebagaibeban pada saat terjadinya.
Subsequent expenditure on software iscapitalized as software only if thoseexpenditure increases the future economicbenefits of the software, so that it becomeslarger than originally expected performancestandards. Expenditure with no addition offuture economic benefits from the software isdirectly recognized as expenses when incurred.
Perangkat lunak diamortisasi denganmenggunakan metode garis lurus selamaestimasi umur manfaatnya, yaitu 10 (sepuluh)tahun.
Software is amortized by using straight-linemethod over the estimated useful life ofsoftware, which is ten (10) years.
Amortisasi perangkat lunak diakui dalamlaporan laba rugi dan penghasilankomprehensif lain, sejak tanggal perangkatlunak tersebut tersedia untuk dipakai sampaiberakhirnya masa manfaat dari perangkat lunaktersebut.
Amortization is recognized in the statement ofprofit or loss and other comprehensive incomefrom the date those software is available for useuntil the economic benefits of software isended.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
33
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
k. Aset tidak berwujud (lanjutan) k. Intangible assets (continued)
Aset tidak berwujud dihentikan pengakuannyajika dilepas atau ketika tidak terdapatlagi manfaat ekonomi masa depanyang diharapkan dari penggunaan ataupelepasannya. Keuntungan atau kerugian yangmuncul dari penghentian pengakuan aset tidakberwujud ditentukan sebagai selisih antara hasilneto pelepasan, jika ada, dan jumlah tercatataset. Keuntungan atau kerugian diakui dalamlaba rugi ketika aset tersebut dihentikanpengakuannya.
Intangible assets are derecognized on disposalor when no future economic benefits areexpected from its use or disposal. The gain orloss arising from the derecognition of anintangible assets are determined as thedifference between the net disposal proceeds,if any, and the carrying amount of the asset.Gains and losses are recognized in profit orloss when the asset is derecognized.
l. Penurunan nilai aset non-keuangan l. Impairment of non-financial assets
Suatu aset mengalami penurunan nilai jika nilaitercatat aset lebih besar daripada nilai yangdapat dipulihkan. Nilai tercatat dari aset non-keuangan, kecuali aset pajak tangguhan, biayadibayar di muka, dan uang muka ditelaah setiapperiode, untuk menentukan apakah terdapatindikasi penurunan nilai. Jika terdapat indikasipenurunan nilai, maka Perusahaan akanmelakukan estimasi jumlah nilai yang dapatdipulihkan.
Assets are considered as impaired when thecarrying value of assets exceedthe recoverable amount. The carrying amountof non financial assets, except for deferred taxassets, prepaid expenses, and advances arereviewed each period to determine whetherthere is any indication of impairment. If anysuch indication exists, the Company willestimate the assets recoverable.
m. Biaya penerbitan emisi efek ekuitas danemisi obligasi
m. Stock and bonds issuance costs
Biaya penerbitan efek ekuitas disajikan sebagaipengurang modal disetor lainnya dalam bagianekuitas pada laporan posisi keuangan.
Stock issuance costs are presented asdeduction from additional paid-in capital in theequity section in the statement of financialposition.
Biaya-biaya yang terjadi sehubungan denganpenerbitan obligasi dicatat sebagai pengurangterhadap hasil penerbitan dan diamortisasidengan menggunakan suku bunga efektifselama jangka waktu obligasi (Catatan 2f).
Costs incurred relating to the bonds issuanceare presented as deduction from the issuanceproceeds and amortized using the effectiveinterest rate over the term of the bonds(Note 2f).
n. Provisi n. Provisions
Provisi diakui jika Perusahaan memilikikewajiban kini (baik bersifat hukum maupunbersifat konstruktif) yang akibat peristiwa masalalu besar kemungkinannya penyelesaiankewajiban tersebut mengakibatkan arus keluarsumber daya yang mengandung manfaatekonomi dan estimasi yang andal mengenaijumlah kewajiban tersebut dapat dibuat.
Provisions are recognized when the Companyhas a present obligation (legal or constructive)where, as a result of a past event, it is probablethat an outflow of resources embodyingeconomic benefits will be required to settle theobligation and a reliable estimate can be madeof the amount of the obligation.
Provisi ditelaah pada setiap akhir periodepelaporan dan disesuaikan untukmencerminkan estimasi kini terbaik. Jika tidakterdapat kemungkinan arus keluar sumber dayayang mengandung manfaat ekonomi untukmenyelesaikan kewajiban tersebut, provisidipulihkan.
Provisions are reviewed at each reporting dateand adjusted to reflect the current bestestimate. If it is no longer probable that anoutflow of resources embodying economicbenefits will be required to settle the obligation,the provision is reversed.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH404
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
34
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
o. Pengakuan pendapatan dan beban o. Revenue and expense recognition
Perusahaan mengakui pendapatan ataspembiayaan konsumen seperti yang dijelaskanpada Catatan 2h di atas.
The Company recognizes revenue onconsumer financing as explained in Note 2habove.
Pendapatan pembiayaan konsumendinyatakan sebesar pendapatan neto setelahdikurangi dengan bagian pendapatan milikbank-bank sehubungan dengan transaksi-transaksi kerjasama pembiayaan bersama.
The consumer financing income is presentednet of amounts of the banks’ portion on suchincome relating to the cooperation transactionsof joint financing.
Untuk pembiayaan konsumen yangpembayaran angsuran pokok atau bunganyatelah lewat 90 hari atau lebih setelah jatuhtempo, atau pembiayaan konsumen yang telahdikategorikan sebagai yang mengalamipenurunan nilai, pendapatan bunga yang sudahdiakui tetapi belum ditagih akan dibatalkanpengakuannya.
For consumer financing receivables withprincipal or interest has been past due for 90days or more, or where the consumer financingreceivables have been classified as impairedloans, the interest income accrued but not yetcollected is reversed.
Pendapatan denda atas keterlambatanpembayaran angsuran pembiayaan konsumendiakui pada saat realisasi.
Penalty income arising from late payments ofconsumer financing installments is recognizedwhen realized.
Pelunasan sebelum masa pembiayaankonsumen berakhir dianggap sebagai suatupembatalan kontrak pembiayaan konsumendan laba atau rugi yang timbul, diakui sebagailaba rugi tahun berjalan.
Early termination is treated as cancellation ofexisting agreement and the resulting gain orloss is recognized as profit or loss for thecurrent year.
Perusahaan berhak menentukan suku bungayang lebih tinggi ke konsumen daripada sukubunga yang ditetapkan oleh bank-banksehubungan dengan transaksi kerjasamapembiayaan bersama. Selisihnya merupakanpendapatan dari transaksi-transaksi tersebutbagi Perusahaan dan disajikan sebagai“Pendapatan Pembiayaan Konsumen - Neto”pada laporan laba rugi dan penghasilankomprehensif lain tahun berjalan.
The Company has the right to set higherinterest rates to customers than that stated bythe banks for the cooperation transactions ofjoint financing. The difference is recognized asrevenue from such transactions and presentedas “Consumer Financing Income - Net” in thestatement of profit or loss and othercomprehensive income for the current year.
Pendapatan bunga merupakan pendapatanyang diperoleh Perusahaan atas penempatangiro dan deposito di bank yang diakui pada saatdiperoleh atau saat terjadinya.
Interest represents income obtained by theCompany from its placement of current accountand time deposits in banks which is recognizedwhen earned or incurred.
Pendapatan dan beban administrasi, kecualibiaya-biaya/pendapatan yang timbul pertamakali yang terkait langsung dengan kreditpembiayaan konsumen seperti dijelaskan padaCatatan 2h, diakui pada saat diperoleh atauterjadinya.
Administration income and expenses, exceptfor the initial direct costs/income relating to theconsumer financing as explained in Note 2h,are recognized when earned or incurred.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
405
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
34
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
o. Pengakuan pendapatan dan beban o. Revenue and expense recognition
Perusahaan mengakui pendapatan ataspembiayaan konsumen seperti yang dijelaskanpada Catatan 2h di atas.
The Company recognizes revenue onconsumer financing as explained in Note 2habove.
Pendapatan pembiayaan konsumendinyatakan sebesar pendapatan neto setelahdikurangi dengan bagian pendapatan milikbank-bank sehubungan dengan transaksi-transaksi kerjasama pembiayaan bersama.
The consumer financing income is presentednet of amounts of the banks’ portion on suchincome relating to the cooperation transactionsof joint financing.
Untuk pembiayaan konsumen yangpembayaran angsuran pokok atau bunganyatelah lewat 90 hari atau lebih setelah jatuhtempo, atau pembiayaan konsumen yang telahdikategorikan sebagai yang mengalamipenurunan nilai, pendapatan bunga yang sudahdiakui tetapi belum ditagih akan dibatalkanpengakuannya.
For consumer financing receivables withprincipal or interest has been past due for 90days or more, or where the consumer financingreceivables have been classified as impairedloans, the interest income accrued but not yetcollected is reversed.
Pendapatan denda atas keterlambatanpembayaran angsuran pembiayaan konsumendiakui pada saat realisasi.
Penalty income arising from late payments ofconsumer financing installments is recognizedwhen realized.
Pelunasan sebelum masa pembiayaankonsumen berakhir dianggap sebagai suatupembatalan kontrak pembiayaan konsumendan laba atau rugi yang timbul, diakui sebagailaba rugi tahun berjalan.
Early termination is treated as cancellation ofexisting agreement and the resulting gain orloss is recognized as profit or loss for thecurrent year.
Perusahaan berhak menentukan suku bungayang lebih tinggi ke konsumen daripada sukubunga yang ditetapkan oleh bank-banksehubungan dengan transaksi kerjasamapembiayaan bersama. Selisihnya merupakanpendapatan dari transaksi-transaksi tersebutbagi Perusahaan dan disajikan sebagai“Pendapatan Pembiayaan Konsumen - Neto”pada laporan laba rugi dan penghasilankomprehensif lain tahun berjalan.
The Company has the right to set higherinterest rates to customers than that stated bythe banks for the cooperation transactions ofjoint financing. The difference is recognized asrevenue from such transactions and presentedas “Consumer Financing Income - Net” in thestatement of profit or loss and othercomprehensive income for the current year.
Pendapatan bunga merupakan pendapatanyang diperoleh Perusahaan atas penempatangiro dan deposito di bank yang diakui pada saatdiperoleh atau saat terjadinya.
Interest represents income obtained by theCompany from its placement of current accountand time deposits in banks which is recognizedwhen earned or incurred.
Pendapatan dan beban administrasi, kecualibiaya-biaya/pendapatan yang timbul pertamakali yang terkait langsung dengan kreditpembiayaan konsumen seperti dijelaskan padaCatatan 2h, diakui pada saat diperoleh atauterjadinya.
Administration income and expenses, exceptfor the initial direct costs/income relating to theconsumer financing as explained in Note 2h,are recognized when earned or incurred.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
35
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
p. Transaksi dan saldo dalam mata uang asing p. Foreign currency transactions and balances
Transaksi dalam mata uang asing dicatat dalamRupiah berdasarkan kurs yang berlaku padasaat transaksi dilakukan. Pada akhir periodepelaporan aset dan liabilitas moneter dalammata uang asing dijabarkan ke dalam Rupiahberdasarkan rata-rata kurs jual dan kurs beliyang diterbitkan oleh Bank Indonesia yangberlaku pada tanggal tersebut. Laba atau rugikurs yang timbul dikreditkan atau dibebankansebagai laba rugi tahun berjalan.
Transactions involving foreign currencies arerecorded in Indonesian Rupiah at the rates ofexchange prevailing at the time the transactionsare made. At the reporting date, monetaryassets and liabilities denominated in foreigncurrencies are adjusted to Indonesian Rupiahto reflect the average of selling and buyingexchange rate at such date as published byBank Indonesia. Any resulting gains or lossesare credited or charged to the profit or loss forcurrent year.
Pada tanggal 31 Desember 2019 dan 2018,rata-rata kurs jual dan kurs beli yang diterbitkanoleh Bank Indonesia yang digunakan masing-masing adalah sebesar Rp13.883 (dalam nilaipenuh) dan Rp14.380 (dalam nilai penuh) untuk1 (dalam nilai penuh) Dolar Amerika Serikat(AS$1).
As of December 31, 2019 and 2018, theaverage of selling and buying exchange ratesat such date as published by Bank Indonesiaused were Rp13,883 (in full amount) andRp14,380 (in full amount) to US$1 (in fullamount), respectively.
q. Perpajakan q. Taxation
Perusahaan menerapkan PSAK No. 46 (Revisi2014), “Pajak Penghasilan”, yangmengharuskan Perusahaan untukmemperhitungkan konsekuensi pajak kini danpajak masa depan atas pemulihan di masadepan (penyelesaian) dari jumlah tercatat aset(liabilitas) yang diakui dalam laporan posisikeuangan dan transaksi-transaksi sertaperistiwa lain yang terjadi dalam tahun berjalan.
The Company applied SFAS No. 46 (Revised2014), “Accounting for Income Tax”, whichrequires the Company to account for the currentand future tax consequences of the futurerecovery (settlement) of the carrying amount ofassets (liabilities) that are recognized in thestatement of financial position and transactionsand other events of the current year.
Pajak Final
Peraturan perpajakan di Indonesia mengaturbeberapa jenis penghasilan dikenakan pajakyang bersifat final. Pajak final yang dikenakanatas nilai bruto transaksi tetap dikenakanwalaupun atas transaksi tersebut pelakutransaksi mengalami kerugian.
Final Tax
Tax regulation in Indonesia determined thatcertain taxable income is subject to final tax.Final tax applied to the gross value oftransactions is applied even when the partiescarrying the transaction recognizing losses.
Mengacu pada revisi PSAK No. 46 yangdisebutkan di atas, pajak final tersebut tidaktermasuk dalam lingkup yang diatur oleh PSAKNo. 46. Oleh karena itu, Perusahaanmemutuskan untuk menyajikan beban pajakfinal sehubungan dengan deposito dan girosebagai pos tersendiri.
Referring to revised PSAK No. 46 as mentionedabove, final tax is no longer governed by PSAKNo. 46. Therefore, the Company has decided topresent all of the final tax arising from timedeposits and current account as separate lineitem.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH406
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
36
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
q. Perpajakan (lanjutan) q. Taxation (lanjutan)
Pajak Kini
Beban pajak kini ditetapkan berdasarkantaksiran penghasilan kena pajak tahun berjalan.Aset dan liabilitas pajak tangguhan diakui atasperbedaan temporer antara aset dan liabilitasuntuk tujuan komersial dan untuk tujuanperpajakan setiap tanggal pelaporan. Manfaatpajak di masa mendatang, seperti nilai terbawaatas saldo rugi fiskal yang belum digunakan,jika ada, juga diakui sejauh realisasi atasmanfaat pajak tersebut dimungkinkan.
Current Tax
Current tax expense is provided based on theestimated taxable income for the current year.Deferred tax assets and liabilities arerecognized for temporary differences betweencommercial and tax bases of assets andliabilities at each reporting date. Future taxbenefit, such as the carry-forward of unused taxlosses, if any, is also recognized to the extentthat realization of such tax benefit is probable.
Pajak Tangguhan
Aset dan liabilitas pajak tangguhan diukur padatarif pajak yang diharapkan akan digunakanpada periode ketika aset direalisasi atau ketikaliabilitas dilunasi berdasarkan tarif pajak (danperaturan perpajakan) yang berlaku atausecara substansial telah diberlakukan padatanggal laporan posisi keuangan.
Deferred Tax
Deferred tax assets and liabilities are measuredat the tax rates that are expected to apply to theperiod when the assets are realized or theliabilities are settled, based on the applicabletax rates (and tax laws) that have been enactedor substantively enacted at statement offinancial position date.
Perubahan nilai tercatat aset dan liabilitas pajaktangguhan yang disebabkan oleh perubahantarif pajak dibebankan pada tahun berjalan,kecuali untuk transaksi-transaksi yangsebelumnya telah langsung dibebankan ataudikreditkan ke ekuitas.
Changes in the carrying amount of deferred taxassets and liabilities due to a change in taxrates is charged to current year operations,except to the extent that it relates to itemspreviously charged or credited to equity.
Perubahan terhadap kewajiban perpajakandiakui pada saat penetapan pajak diterima ataujika Perusahaan mengajukan keberatan, padasaat keputusan atas keberatan telahditetapkan.
Amendments to tax obligations are recordedwhen an assessment is received or, if appealedagainst by the Company, when the result of theappeal is determined.
r. Segmen operasi r. Operating segment
Segmen adalah bagian khusus dariPerusahaan yang terlibat baik menyediakanproduk dan jasa (segmen usaha), maupundalam menyediakan produk dan jasa dalamlingkungan ekonomi tertentu (segmengeografis), yang memiliki risiko dan imbalanyang berbeda dari segmen lainnya.
A segment is a distinguishable component ofthe Company that is engaged either in providingcertain products and services within a particulareconomic environment (geographicalsegment), which is subject to risks and rewardthat are different from those of other segments.
Jumlah setiap unsur segmen dilaporkanmerupakan ukuran yang dilaporkan kepadapengambil keputusan operasional (Direktur)untuk tujuan pengambilan keputusan untukmengalokasikan sumber daya kepada segmendan menilai kinerjanya.
The amount of each segment item reported isthe measure reported to the chief operationdecision maker (Directors) for the purposes ofmaking decisions about allocating resources tothe segment and assessing its performance.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
407
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
36
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
q. Perpajakan (lanjutan) q. Taxation (lanjutan)
Pajak Kini
Beban pajak kini ditetapkan berdasarkantaksiran penghasilan kena pajak tahun berjalan.Aset dan liabilitas pajak tangguhan diakui atasperbedaan temporer antara aset dan liabilitasuntuk tujuan komersial dan untuk tujuanperpajakan setiap tanggal pelaporan. Manfaatpajak di masa mendatang, seperti nilai terbawaatas saldo rugi fiskal yang belum digunakan,jika ada, juga diakui sejauh realisasi atasmanfaat pajak tersebut dimungkinkan.
Current Tax
Current tax expense is provided based on theestimated taxable income for the current year.Deferred tax assets and liabilities arerecognized for temporary differences betweencommercial and tax bases of assets andliabilities at each reporting date. Future taxbenefit, such as the carry-forward of unused taxlosses, if any, is also recognized to the extentthat realization of such tax benefit is probable.
Pajak Tangguhan
Aset dan liabilitas pajak tangguhan diukur padatarif pajak yang diharapkan akan digunakanpada periode ketika aset direalisasi atau ketikaliabilitas dilunasi berdasarkan tarif pajak (danperaturan perpajakan) yang berlaku atausecara substansial telah diberlakukan padatanggal laporan posisi keuangan.
Deferred Tax
Deferred tax assets and liabilities are measuredat the tax rates that are expected to apply to theperiod when the assets are realized or theliabilities are settled, based on the applicabletax rates (and tax laws) that have been enactedor substantively enacted at statement offinancial position date.
Perubahan nilai tercatat aset dan liabilitas pajaktangguhan yang disebabkan oleh perubahantarif pajak dibebankan pada tahun berjalan,kecuali untuk transaksi-transaksi yangsebelumnya telah langsung dibebankan ataudikreditkan ke ekuitas.
Changes in the carrying amount of deferred taxassets and liabilities due to a change in taxrates is charged to current year operations,except to the extent that it relates to itemspreviously charged or credited to equity.
Perubahan terhadap kewajiban perpajakandiakui pada saat penetapan pajak diterima ataujika Perusahaan mengajukan keberatan, padasaat keputusan atas keberatan telahditetapkan.
Amendments to tax obligations are recordedwhen an assessment is received or, if appealedagainst by the Company, when the result of theappeal is determined.
r. Segmen operasi r. Operating segment
Segmen adalah bagian khusus dariPerusahaan yang terlibat baik menyediakanproduk dan jasa (segmen usaha), maupundalam menyediakan produk dan jasa dalamlingkungan ekonomi tertentu (segmengeografis), yang memiliki risiko dan imbalanyang berbeda dari segmen lainnya.
A segment is a distinguishable component ofthe Company that is engaged either in providingcertain products and services within a particulareconomic environment (geographicalsegment), which is subject to risks and rewardthat are different from those of other segments.
Jumlah setiap unsur segmen dilaporkanmerupakan ukuran yang dilaporkan kepadapengambil keputusan operasional (Direktur)untuk tujuan pengambilan keputusan untukmengalokasikan sumber daya kepada segmendan menilai kinerjanya.
The amount of each segment item reported isthe measure reported to the chief operationdecision maker (Directors) for the purposes ofmaking decisions about allocating resources tothe segment and assessing its performance.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
37
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
r. Segmen operasi (lanjutan) r. Operating segment (continued)
Pendapatan, beban, hasil, aset dan liabilitassegmen termasuk item-item yang dapatdiatribusikan langsung kepada suatu segmenserta hal-hal yang dapat dialokasikan dengandasar yang sesuai kepada segmen tersebut.
Segment revenue, expenses, result, assets andliabilities include items directly attributable to asegment as well as those that can be allocatedon a reasonable basis to that segment.
Informasi keuangan dilaporkan berdasarkaninformasi yang digunakan oleh manajemendalam mengevaluasi kinerja setiap segmen danmenentukan pengalokasian sumber daya.Sehubungan dengan ini, segmen operasi dalamlaporan keuangan disajikan berdasarkanpengklasifikasian umum atas daerahpemasaran sebagai segmen geografis. Rinciansegmen operasi tersebut diungkapkan dalamCatatan 37.
Financial information is reported based on theinformation used by management in evaluatingthe performance of each segment anddetermining the allocation of resources. In thisrespect, the business operating segment in thefinancial statements are presented based ongeneral classification of marketing areas asgeographical segments. The details ofoperating segment are disclosed in Note 37.
s. Laba per saham dasar s. Basic earnings per share
Laba per saham dasar dihitung denganmembagi laba tahun berjalan dengan jumlahrata-rata tertimbang saham yang beredar padaperiode yang bersangkutan yaitu sejumlah3.481.481.480 (dalam nilai penuh) saham untuktahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018.
Basic earnings per share is computed bydividing income for the year with the weightedaverage number of shares outstanding duringthe period, which is 3,481,481,480 (in fullamount) shares or each of the years endedDecember 31, 2019 and 2018, respectively.
t. Dividen t. Dividends
Pembagian dividen kepada pemegang sahamPerusahaan diakui sebagai suatu liabilitasdalam laporan keuangan pada periode ketikadividen tersebut diumumkan dan disetujui olehpara pemegang saham Perusahaan.
Dividend distribution to the Company’sshareholders is recognized as a liability in thefinancial statements in the period in which thedividends are declared and approved by theCompany’s shareholders.
u. Liabilitas imbalan kerja u. Liability for employee benefits
Perusahaan menerapkan PSAK No. 24 (Revisi2013), “Imbalan Kerja”, yang mengaturperlakuan akuntansi dan pengungkapan atasimbalan kerja, untuk jangka pendek dan jangkapanjang.
The Company adopted SFAS No. 24 (Revised2013), “Employee Benefits”, which regulatesaccounting treatment and disclosure employeebenefits, for both short-term and long-termemployee benefits.
Perusahaan mengakui seluruh imbalan kerjayang diberikan melalui program atau perjanjianformal dan informal, peraturan perundang-undangan atau peraturan industri, yangmencakup imbalan kerja dan pesangonpemutusan hubungan kerja.
The Company recognizes employee benefitsunder formal and informal programs oragreements, under legislative requirements orthrough industry arrangements, includingemployee benefits and termination benefits.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH408
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
38
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
u. Liabilitas imbalan kerja (lanjutan) u. Liability for employee benefits (continued)
Perusahaan mencatat penyisihan manfaatuntuk memenuhi imbalan minimum yang harusdibayar kepada karyawan-karyawan sesuaidengan Undang-undang KetenagakerjaanNo. 13/2003 (“Undang-undang Tenaga Kerja”).Penyisihan tersebut diestimasi denganmenggunakan perhitungan aktuarial metode“Projected Unit Credit”.
The Company made provisions in order to meetthe minimum benefits required to be paid to thequalified employees under Labor LawNo. 13/2003 (the “Labor Law”). The saidprovisions are estimated using actuarialcalculations using the “Projected Unit Credit”method.
Perkiraan liabilitas pada tanggal laporan posisikeuangan merupakan nilai kini imbalan pastipada tanggal laporan posisi keuangan dikuranginilai wajar aset program.
The estimated liabilities as of the statement offinancial position date represents the presentvalue of the defined benefit obligation as of thestatement of financial position date less the fairvalue of plan assets.
Biaya imbalan kerja yang diakui selama tahunberjalan terdiri dari biaya jasa dalam laba rugi,bunga neto atas liabilitas imbalan pasti netodalam laba rugi dan pengukuran kembaliliabilitas imbalan pasti neto dalam penghasilankomprehensif lain.
The employee benefits expense recognizedduring the current year consists of service costin profit and loss, net interest on the net definedbenefit liability in profit and loss andremeasurement of the net defined benefitliabilities in other comprehensive income.
Pengukuran kembali liabilitas imbalan kerjaterdiri atas:1. Keuntungan dan kerugian aktuarial.2. Imbal hasil atas aset program, tidak
termasuk jumlah yang dimasukkan dalambunga neto atas liabilitas imbalan pastineto.
3. Setiap perubahan dampak batas atas aset,tidak termasuk jumlah yang dimasukkandalam bunga neto atas liabilitas imbalanpasti neto.
Remeasurements of the net defined benefitliability consists of:1. Actuarial gains and losses.2. Return on plan assets, excluding amount
included in net interest on the net definedbenefit liability.
3. Any change in effect of the asset ceiling,excluding amount including in net interest onthe net defined benefit liability.
Pengukuran kembali atas liabilitas (aset)imbalan pasti neto, yang diakui sebagaipenghasilan komprehensif lain tidakdireklasifikasi ke laba rugi pada periodeberikutnya.
Remeasurement of net defined benefit liabilities(assets), which is recognized as othercomprehensive income are not reclassified toprofit or loss in subsequent periods.
Perusahaan telah memiliki program pensiununtuk kompensasi pesangon yang manaPerusahaan membayar iuran ke Dana PensiunLembaga Keuangan (DPLK) yang dihitungberdasarkan jumlah tertentu dari penghasilantetap yang diterima karyawan yang sudahmemenuhi kriteria yang ditetapkanPerusahaan.
The Company has a pension program forseverance compensation where the Companypays contributions to a financial institutionpension plan (DPLK) which is calculated at acertain amount of fixed income of employeeswho meet the Company’s criteria.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
409
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
38
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
u. Liabilitas imbalan kerja (lanjutan) u. Liability for employee benefits (continued)
Perusahaan mencatat penyisihan manfaatuntuk memenuhi imbalan minimum yang harusdibayar kepada karyawan-karyawan sesuaidengan Undang-undang KetenagakerjaanNo. 13/2003 (“Undang-undang Tenaga Kerja”).Penyisihan tersebut diestimasi denganmenggunakan perhitungan aktuarial metode“Projected Unit Credit”.
The Company made provisions in order to meetthe minimum benefits required to be paid to thequalified employees under Labor LawNo. 13/2003 (the “Labor Law”). The saidprovisions are estimated using actuarialcalculations using the “Projected Unit Credit”method.
Perkiraan liabilitas pada tanggal laporan posisikeuangan merupakan nilai kini imbalan pastipada tanggal laporan posisi keuangan dikuranginilai wajar aset program.
The estimated liabilities as of the statement offinancial position date represents the presentvalue of the defined benefit obligation as of thestatement of financial position date less the fairvalue of plan assets.
Biaya imbalan kerja yang diakui selama tahunberjalan terdiri dari biaya jasa dalam laba rugi,bunga neto atas liabilitas imbalan pasti netodalam laba rugi dan pengukuran kembaliliabilitas imbalan pasti neto dalam penghasilankomprehensif lain.
The employee benefits expense recognizedduring the current year consists of service costin profit and loss, net interest on the net definedbenefit liability in profit and loss andremeasurement of the net defined benefitliabilities in other comprehensive income.
Pengukuran kembali liabilitas imbalan kerjaterdiri atas:1. Keuntungan dan kerugian aktuarial.2. Imbal hasil atas aset program, tidak
termasuk jumlah yang dimasukkan dalambunga neto atas liabilitas imbalan pastineto.
3. Setiap perubahan dampak batas atas aset,tidak termasuk jumlah yang dimasukkandalam bunga neto atas liabilitas imbalanpasti neto.
Remeasurements of the net defined benefitliability consists of:1. Actuarial gains and losses.2. Return on plan assets, excluding amount
included in net interest on the net definedbenefit liability.
3. Any change in effect of the asset ceiling,excluding amount including in net interest onthe net defined benefit liability.
Pengukuran kembali atas liabilitas (aset)imbalan pasti neto, yang diakui sebagaipenghasilan komprehensif lain tidakdireklasifikasi ke laba rugi pada periodeberikutnya.
Remeasurement of net defined benefit liabilities(assets), which is recognized as othercomprehensive income are not reclassified toprofit or loss in subsequent periods.
Perusahaan telah memiliki program pensiununtuk kompensasi pesangon yang manaPerusahaan membayar iuran ke Dana PensiunLembaga Keuangan (DPLK) yang dihitungberdasarkan jumlah tertentu dari penghasilantetap yang diterima karyawan yang sudahmemenuhi kriteria yang ditetapkanPerusahaan.
The Company has a pension program forseverance compensation where the Companypays contributions to a financial institutionpension plan (DPLK) which is calculated at acertain amount of fixed income of employeeswho meet the Company’s criteria.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
39
2. IKHTISAR KEBIJAKAN AKUNTANSI PENTING(lanjutan)
2. SUMMARY OF SIGNIFICANT ACCOUNTINGPOLICIES (continued)
u. Liabilitas imbalan kerja (lanjutan) u. Liability for employee benefits (continued)
Perusahaan memberikan imbalan kerja jangkapanjang lainnya berupa penghargaan masakerja yang ditentukan sesuai dengan PeraturanPerusahaan. Perkiraan beban imbalan inidihitung dan diakui sepanjang masa kerjakaryawan dengan menggunakan metode yangditerapkan dalam menghitung liabilitas imbalankerja. Liabilitas ini dihitung minimum satu tahunsekali oleh aktuaris independen. Imbalan kerjajangka panjang lainnya yang telah menjadi hakkaryawan diakui segera sebagai beban dalamlaporan laba rugi.
The Company provides other long-termemployee benefits in the form of long serviceaward which is determined in compliance withthe Company’s Regulation. The expected costsof these benefits are calculated and recognizedover the year of employment, using a methodwhich is applied in calculating liability foremployee benefits. These liabilities arecalculated minimum once a year by anindependent actuary. Other long-termemployment benefits that are vested, arerecognized as expense immediately in thestatement of profit or loss.
v. Perubahan kebijakan akuntansi danpengungkapan
v. Change in accounting policies anddisclosures
Perusahaan telah menerapkan PSAK yangberlaku efektif pada tanggal 1 Januari 2019yang dianggap relevan terhadap laporankeuangan sebagai berikut:
The Company adopted SFAS which effectiveon January 1, 2019 which is consideredrelevant to the financial statements as follows:
1. ISAK 33, “Transaksi Valuta Asing danImbalan di Muka”, mengklarifikasipenggunaan tanggal transaksi untukmenentukan kurs yang digunakan padapengakuan awal aset, beban ataupenghasilan terkait pada saat entitas telahmenerima atau membayar imbalan di mukadalam valuta asing.
2. ISAK 34, “Ketidakpastian dalam PerlakuanPajak Penghasilan”, mengklarifikasi danmemberikan panduan dalam merefleksikanketidakpastian perlakuan pajak penghasilandalam laporan keuangan.
3. Amendemen PSAK 24: Imbalan Kerjatentang Amendemen, Kurtailmen, atauPenyelesaian Program, berlaku efektif1 Januari 2019.
1. IFAS 33, “Foreign Exchange Transactionand Benefits in Advance”, clarifies the useof transaction date to determine theexchange rate used in the initial recognitionof assets, expenses or correspondingrevenues when the entity has accepted orpaid advance considerations in foreigncurrencies.
2. IFAS 34, “Uncertainty over Income TaxTreatments”, clarifies and providesguidance to reflect the uncertainty of incometax treatments in the financial statements.
3. Amendments to PSAK 24: EmployeeBenefits regarding Amendments,Kurtailmen, or Program Settlement,effective January 1, 2019.
Penerapan standar akuntansi tersebut di atasdan penerapan tersebut tidak memilikipengaruh yang signifikan terhadap laporankeuangan.
The adoption of the new and revisedaccounting standards above do not havesignificant impact to the financial statements.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH410
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
40
3. SUMBER ESTIMASI KETIDAKPASTIAN 3. SOURCE OF ESTIMATION UNCERTAINTY
Pertimbangan Judgements
Penyusunan laporan keuangan sesuai denganStandar Akuntansi Keuangan di Indonesiamewajibkan manajemen untuk membuat estimasidan asumsi yang mempengaruhi jumlah-jumlahyang dilaporkan dalam laporan keuangan.Ketidakpastian mengenai asumsi dan estimasitersebut dapat mengakibatkan penyesuaianmaterial terhadap nilai tercatat aset dan liabilitasdalam periode pelaporan berikutnya.
The preparation of financial statements, inconformity with Financial Accounting Standards inIndonesia requires management to makeestimations and assumptions that affect amountsreported therein. Uncertainty about theseassumptions and estimation could result materialadjustments to the carrying amount of assets andliabilities within the next financial reporting period.
Pertimbangan berikut ini dibuat oleh manajemendalam rangka penerapan kebijakan akuntansiPerusahaan yang memiliki pengaruh palingsignifikan atas jumlah yang diakui dalam laporankeuangan:
The following judgements are made bymanagement in the process of applying theCompany’s accounting policies that have the mostsignificant effects on the amounts recognized in thefinancial statements:
Usaha yang berkelanjutan Going concern
Manajemen Perusahaan telah melakukan penilaianatas kemampuan Perusahaan untuk melanjutkankelangsungan usahanya dan berkeyakinan bahwaPerusahaan memiliki sumber daya untukmelanjutkan usahanya di masa mendatang. Selainitu, manajemen tidak mengetahui adanyaketidakpastian material yang dapat menimbulkankeraguan yang signifikan terhadap kemampuanPerusahaan untuk melanjutkan kelangsunganusahanya. Oleh karena itu, laporan keuangan telahdisusun atas dasar usaha yang berkelanjutan.
The Company’s management has made anassessment of the Company’s ability to continue asa going concern and is satisfied that the Companyhas the resources to continue in business for theforeseeable future. Furthermore, the managementis not aware of any material uncertainties that maycast significant doubt upon the Company’s ability tocontinue as a going concern. Therefore, thefinancial statements continue to be prepared on thegoing concern basis.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and financialliabilities
Perusahaan menetapkan klasifikasi atas aset danliabilitas tertentu sebagai aset keuangan danliabilitas keuangan dengan mempertimbangkanapakah definisi yang ditetapkan PSAK No. 55(Revisi 2014) dipenuhi. Dengan demikian, asetkeuangan dan liabilitas keuangan diakui sesuaidengan kebijakan akuntansi Perusahaan sepertidiungkapkan pada Catatan 2.
The Company determines the classifications ofcertain assets and liabilities as financial assets andfinancial liabilities by judging if they meet thedefinition set forth in SFAS No. 55 (Revised 2014).Accordingly, the financial assets and financialliabilities are accounted for in accordance with theCompany’s accounting policies disclosed in Note 2.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
411
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
40
3. SUMBER ESTIMASI KETIDAKPASTIAN 3. SOURCE OF ESTIMATION UNCERTAINTY
Pertimbangan Judgements
Penyusunan laporan keuangan sesuai denganStandar Akuntansi Keuangan di Indonesiamewajibkan manajemen untuk membuat estimasidan asumsi yang mempengaruhi jumlah-jumlahyang dilaporkan dalam laporan keuangan.Ketidakpastian mengenai asumsi dan estimasitersebut dapat mengakibatkan penyesuaianmaterial terhadap nilai tercatat aset dan liabilitasdalam periode pelaporan berikutnya.
The preparation of financial statements, inconformity with Financial Accounting Standards inIndonesia requires management to makeestimations and assumptions that affect amountsreported therein. Uncertainty about theseassumptions and estimation could result materialadjustments to the carrying amount of assets andliabilities within the next financial reporting period.
Pertimbangan berikut ini dibuat oleh manajemendalam rangka penerapan kebijakan akuntansiPerusahaan yang memiliki pengaruh palingsignifikan atas jumlah yang diakui dalam laporankeuangan:
The following judgements are made bymanagement in the process of applying theCompany’s accounting policies that have the mostsignificant effects on the amounts recognized in thefinancial statements:
Usaha yang berkelanjutan Going concern
Manajemen Perusahaan telah melakukan penilaianatas kemampuan Perusahaan untuk melanjutkankelangsungan usahanya dan berkeyakinan bahwaPerusahaan memiliki sumber daya untukmelanjutkan usahanya di masa mendatang. Selainitu, manajemen tidak mengetahui adanyaketidakpastian material yang dapat menimbulkankeraguan yang signifikan terhadap kemampuanPerusahaan untuk melanjutkan kelangsunganusahanya. Oleh karena itu, laporan keuangan telahdisusun atas dasar usaha yang berkelanjutan.
The Company’s management has made anassessment of the Company’s ability to continue asa going concern and is satisfied that the Companyhas the resources to continue in business for theforeseeable future. Furthermore, the managementis not aware of any material uncertainties that maycast significant doubt upon the Company’s ability tocontinue as a going concern. Therefore, thefinancial statements continue to be prepared on thegoing concern basis.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and financialliabilities
Perusahaan menetapkan klasifikasi atas aset danliabilitas tertentu sebagai aset keuangan danliabilitas keuangan dengan mempertimbangkanapakah definisi yang ditetapkan PSAK No. 55(Revisi 2014) dipenuhi. Dengan demikian, asetkeuangan dan liabilitas keuangan diakui sesuaidengan kebijakan akuntansi Perusahaan sepertidiungkapkan pada Catatan 2.
The Company determines the classifications ofcertain assets and liabilities as financial assets andfinancial liabilities by judging if they meet thedefinition set forth in SFAS No. 55 (Revised 2014).Accordingly, the financial assets and financialliabilities are accounted for in accordance with theCompany’s accounting policies disclosed in Note 2.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
41
3. SUMBER ESTIMASI KETIDAKPASTIAN(lanjutan)
3. SOURCE OF ESTIMATION UNCERTAINTY(continued)
Pertimbangan (lanjutan) Judgements (continued)
Nilai wajar instrumen keuangan Fair value of financial instruments
Bila nilai wajar aset keuangan dan liabilitaskeuangan yang tercatat pada laporan posisikeuangan tidak tersedia di pasar aktif, nilainyaditentukan dengan menggunakan berbagai teknikpenilaian termasuk penggunaan model matematika.Masukan (input) untuk model ini berasal dari datapasar yang bisa diamati sepanjang data tersebuttersedia, bila data pasar yang bisa diamati tersebuttidak tersedia, pertimbangan manajemen diperlukanuntuk menentukan nilai wajar. Pertimbanganmanajemen tersebut mencakup pertimbanganlikuiditas dan masukan model seperti volatilitasuntuk transaksi derivatif yang berjangka waktupanjang dan tingkat diskonto, tingkat pelunasandipercepat, dan asumsi tingkat gagal bayar.
When the fair values of financial assets and financialliabilities recorded on the statement of financialposition cannot be derived from active markets, theyare determined using a variety of valuationtechniques that include the use of mathematicalmodels. The inputs to these models are derived fromobservable market data where possible, but whenobservable market data are not available,management judgement is required to establish fairvalues. The management judgements includeconsiderations of liquidity and model inputs such asvolatility for long-term derivatives and discountrates, early payment rates, and default rateassumptions.
Estimasi dan asumsi Estimates and assumptions
Asumsi utama masa depan dan sumber utamaestimasi ketidakpastian lain pada akhir periodepelaporan yang memiliki risiko signifikan bagipenyesuaian yang material terhadap nilai tercatataset dan liabilitas untuk periode pelaporankeuangan berikutnya, diungkapkan di bawah ini.Perusahaan mendasarkan asumsi dan estimasipada parameter yang tersedia pada saat laporankeuangan disusun.
The key assumptions concerning the future andother key sources of estimation uncertainty at thereporting date that have a significant risk of causinga material adjustment to the carrying amounts ofassets and liabilities within the next financialreporting period are disclosed below. The Companybased its assumptions and estimates on parameterswhich are available when the financial statementswere prepared.
Asumsi dan situasi mengenai perkembangan masadepan mungkin berubah akibat perubahan pasaratau situasi diluar kendali Perusahaan. Perubahantersebut dicerminkan dalam asumsi terkait padasaat terjadinya.
Existing assumptions and circumstances aboutfuture development, may change due to marketchanges or circumstances arising beyond thecontrol of the Company. Such changes are reflectedin the assumptions as they occur.
Cadangan kerugian penurunan nilai aset keuangan Allowance for impairment losses on financial assets
Evaluasi atas cadangan kerugian penurunan nilaiaset keuangan yang dicatat pada biaya perolehandiamortisasi dijelaskan pada Catatan 2e dan 2h.
Allowance for impairment losses on financial assetscarried at amortized cost are evaluated asexplained in Notes 2e and 2h.
Evaluasi cadangan kerugian penurunan nilai secarakolektif mencakup kerugian kredit yang melekatpada portofolio piutang pembiayaan konsumendengan karakteristik risiko kredit yang sejenis ketikaterdapat bukti objektif bahwa telah terjadi penurunannilai piutang dalam portofolio tersebut. Dalammenentukan perlunya untuk membentuk cadangankerugian penurunan nilai secara kolektif,manajemen mempertimbangkan faktor-faktorseperti kualitas kredit, besarnya portofolio,konsentrasi kredit dan faktor-faktor ekonomi.
Allowance for impairment losses collectivelyassessed includes inherent credit losses inconsumer financing receivables portfolios withsimilar credit risk characteristics when objectiveevidence of impairment exist for those portfolios. Inassessing the need for collective allowances forimpairment losses, management considers factorssuch as credit quality, portfolio size, creditconcentrations and economic factors.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH412
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
42
3. SUMBER ESTIMASI KETIDAKPASTIAN(lanjutan)
3. SOURCE OF ESTIMATION UNCERTAINTY(continued)
Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Cadangan kerugian penurunan nilai aset keuangan(lanjutan)
Allowance for impairment losses on financial assets(continued)
Dalam mengestimasi cadangan yang dibutuhkan,asumsi-asumsi dibuat untuk menentukan modelkerugian bawaan dan untuk menentukan parameterinput yang diperlukan, berdasarkan pengalamanhistoris dan keadaan ekonomi saat ini. Ketepatandari cadangan ini bergantung pada asumsi modeldan parameter yang digunakan dalam penentuancadangan kolektif.
Metodologi dan asumsi yang digunakan dalammengestimasi cadangan penurunan nilai dikaji ulangsecara berkala untuk mengurangi selisih antaraestimasi kerugian dengan kerugian aktual yangdialami. Pada tahun 2018, Perusahaan melakukanperubahan atas asumsi perusahaan dalammenentukan parameter input.
In order to estimate the required allowance,assumptions are made to define the way inherentlosses are modeled and to determine the requiredinput parameters, based on historical experienceand current economic conditions. The accuracy ofthe allowances depends on the model assumptionsand parameters used in determining collectiveallowances.
The methodology and assumptions used forestimating the allowance for impairment losses arereviewed regularly to reduces any differencesbetween loss estimate and actual loss experience.In 2018, the Company has changed its assumptionon determining input parameter.
Liabilitas imbalan kerja Liability for employee benefits
Penentuan liabilitas imbalan kerja Perusahaanbergantung pada pemilihan asumsi yang digunakanoleh aktuaris independen dalam menghitung jumlah-jumlah tersebut. Asumsi tersebut termasuk antaralain, tingkat diskonto, tingkat kenaikan gaji tahunan,tingkat pengunduran diri karyawan tahunan, tingkatkecacatan, umur pensiun, dan tingkat kematian.
The determination of the Company’s liability foremployee benefits is dependent on its selection ofcertain assumptions used by the independentactuaries in calculating such accounts. Thoseassumptions include among others, discount rates,annual salary increase rate, annual employee turn-over rate, disability rate, retirement age, andmortality rate.
Walaupun Perusahaan berkeyakinan bahwa asumsitersebut adalah wajar dan sesuai, perbedaansignifikan pada hasil aktual atau perubahansignifikan dalam asumsi yang ditetapkanPerusahaan dapat mempengaruhi secara materialliabilitas imbalan kerja dan beban imbalan kerjaneto. Nilai tercatat atas estimasi liabilitas imbalankerja Perusahaan pada tanggal 31 Desember 2019dan 2018 adalah masing-masing sebesarRp135.970 dan Rp128.944. Penjelasan lebih rincidiungkapkan dalam Catatan 29.
While the Company believes that its assumptionsare reasonable and appropriate, significantdifferences in the Company’s actual results orsignificant changes in the Company’s assumptionsmay materially affect its estimated liability foremployee benefits and net employee benefitsexpense. The carrying amounts of the Company’sestimated liability for employee benefits as ofDecember 31, 2019 and 2018 are Rp135,970 andRp128,944, respectively. Further details arediscussed in Note 29.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
413
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
42
3. SUMBER ESTIMASI KETIDAKPASTIAN(lanjutan)
3. SOURCE OF ESTIMATION UNCERTAINTY(continued)
Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Cadangan kerugian penurunan nilai aset keuangan(lanjutan)
Allowance for impairment losses on financial assets(continued)
Dalam mengestimasi cadangan yang dibutuhkan,asumsi-asumsi dibuat untuk menentukan modelkerugian bawaan dan untuk menentukan parameterinput yang diperlukan, berdasarkan pengalamanhistoris dan keadaan ekonomi saat ini. Ketepatandari cadangan ini bergantung pada asumsi modeldan parameter yang digunakan dalam penentuancadangan kolektif.
Metodologi dan asumsi yang digunakan dalammengestimasi cadangan penurunan nilai dikaji ulangsecara berkala untuk mengurangi selisih antaraestimasi kerugian dengan kerugian aktual yangdialami. Pada tahun 2018, Perusahaan melakukanperubahan atas asumsi perusahaan dalammenentukan parameter input.
In order to estimate the required allowance,assumptions are made to define the way inherentlosses are modeled and to determine the requiredinput parameters, based on historical experienceand current economic conditions. The accuracy ofthe allowances depends on the model assumptionsand parameters used in determining collectiveallowances.
The methodology and assumptions used forestimating the allowance for impairment losses arereviewed regularly to reduces any differencesbetween loss estimate and actual loss experience.In 2018, the Company has changed its assumptionon determining input parameter.
Liabilitas imbalan kerja Liability for employee benefits
Penentuan liabilitas imbalan kerja Perusahaanbergantung pada pemilihan asumsi yang digunakanoleh aktuaris independen dalam menghitung jumlah-jumlah tersebut. Asumsi tersebut termasuk antaralain, tingkat diskonto, tingkat kenaikan gaji tahunan,tingkat pengunduran diri karyawan tahunan, tingkatkecacatan, umur pensiun, dan tingkat kematian.
The determination of the Company’s liability foremployee benefits is dependent on its selection ofcertain assumptions used by the independentactuaries in calculating such accounts. Thoseassumptions include among others, discount rates,annual salary increase rate, annual employee turn-over rate, disability rate, retirement age, andmortality rate.
Walaupun Perusahaan berkeyakinan bahwa asumsitersebut adalah wajar dan sesuai, perbedaansignifikan pada hasil aktual atau perubahansignifikan dalam asumsi yang ditetapkanPerusahaan dapat mempengaruhi secara materialliabilitas imbalan kerja dan beban imbalan kerjaneto. Nilai tercatat atas estimasi liabilitas imbalankerja Perusahaan pada tanggal 31 Desember 2019dan 2018 adalah masing-masing sebesarRp135.970 dan Rp128.944. Penjelasan lebih rincidiungkapkan dalam Catatan 29.
While the Company believes that its assumptionsare reasonable and appropriate, significantdifferences in the Company’s actual results orsignificant changes in the Company’s assumptionsmay materially affect its estimated liability foremployee benefits and net employee benefitsexpense. The carrying amounts of the Company’sestimated liability for employee benefits as ofDecember 31, 2019 and 2018 are Rp135,970 andRp128,944, respectively. Further details arediscussed in Note 29.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
43
3. SUMBER ESTIMASI KETIDAKPASTIAN(lanjutan)
3. SOURCE OF ESTIMATION UNCERTAINTY(continued)
Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Penyusutan aset tetap dan aset tidak berwujud Depreciation of property and equipment andintangible assets
Biaya perolehan aset tetap dan aset tidak berwujuddisusutkan dengan menggunakan metode garislurus berdasarkan estimasi masa manfaatekonomisnya. Manajemen mengestimasi masamanfaat ekonomis aset tetap dan aset tidakberwujud antara 4 (empat) sampai dengan 10(sepuluh) tahun. Ini adalah umur yang secara umumdiharapkan dalam industri dimana Perusahaanmenjalankan bisnisnya. Perubahan tingkatpemakaian dan perkembangan teknologi dapatmempengaruhi masa manfaat ekonomis dan nilaisisa aset, dan karenanya biaya penyusutan masadepan mungkin direvisi. Nilai tercatat neto atas asettetap Perusahaan pada tanggal 31 Desember 2019dan 2018 adalah masing-masing sebesarRp111.672 dan Rp109.629. Sedangkan nilaitercatat neto atas aset tidak berwujud Perusahaanpada tanggal 31 Desember 2019 adalah sebesarRp32.084. Penjelasan lebih rinci diungkapkandalam Catatan 8 dan 9.
The costs of property and equipment and intangibleassets are depreciated on a straight-line methodover their estimated useful lives. Managementproperly estimates the useful lives of these propertyand equipment and intangible assets ranging fromfour (4) to ten (10) years. These are common lifeexpectancies applied in the industries where theCompany conducts its businesses. Changes in theexpected level of usage and technologicaldevelopment could impact the economic useful livesand the residual values of these assets, andtherefore future depreciation charges could berevised. The net carrying amount of the Company’sproperty and equipment as of December 31, 2019and 2018 are Rp111,672 and Rp109,629,respectively. Meanwhile net carrying amount of theCompany’s intangible assets as of December 31,2019 are Rp32,084. Further details are disclosed inNote 8 and 9.
Nilai wajar instrumen keuangan Fair value of financial instruments
Perusahaan mencatat aset dan liabilitas keuangantertentu pada nilai wajar, yang mengharuskanpenggunaan estimasi akuntansi. Sementarakomponen signifikan atas pengukuran nilai wajarditentukan menggunakan bukti objektif yang dapatdiverifikasi, jumlah perubahan nilai wajar dapatberbeda bila Perusahaan menggunakan metodologipenilaian yang berbeda. Perubahan nilai wajar asetkeuangan tersebut dapat mempengaruhi secaralangsung laba atau rugi Perusahaan.
The Company carries certain financial assets andliabilities at fair values, which requires the use ofaccounting estimates. While significant componentsof fair value measurement were determined usingverifiable objective evidences, the amount ofchanges in fair values would differ if the Companyutilized different valuation methodology. Anychanges in fair values of these financial assetswould affect directly the Company’s profit or loss.
Perpajakan Taxation
Pertimbangan signifikan dilakukan dalammenentukan penyisihan atas pajak Perusahaan.Perusahaan menentukan penyisihan atas pajakpenghasilan badan berdasarkan estimasi ataskemungkinan adanya tambahan beban pajak.
Significant judgement is involved in determining theprovision for tax. The Company provides taxprovision based on estimates whether the additionaltaxes will be due.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH414
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
44
3. SUMBER ESTIMASI KETIDAKPASTIAN(lanjutan)
3. SOURCE OF ESTIMATION UNCERTAINTY(continued)
Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Perpajakan (lanjutan) Taxation (continued)
Jika hasil akhir dari hal ini berbeda dengan jumlahyang dicatat semula, maka perbedaan tersebut akanberdampak pada laba rugi. Perusahaan mengakuiliabilitas atas pajak penghasilan badan berdasarkanestimasi penghasilan kena pajak badan.
Where the final tax outcome of these matters isdifferent from the amounts that were initiallyrecorded, such differences will impact the profit andloss. The Company recognizes liabilities forexpected corporate income tax issues based onestimates of corporate taxable income.
Pajak tangguhan Deferred tax
Aset pajak tangguhan diakui atas jumlah pajakpenghasilan terpulihkan (recoverable) pada periodemendatang sebagai akibat perbedaan temporeryang boleh dikurangkan.
Deferred tax assets are recognized for the futurerecoverable taxable income arising from temporarydifference.
Justifikasi manajemen diperlukan untukmenentukan jumlah aset pajak tangguhan yangdapat diakui, sesuai dengan waktu yang tepat dantingkat laba fiskal di masa mendatang sejalandengan strategi rencana perpajakan ke depan.
Management judgement is required to determinethe amount of deferred tax assets that can berecognized, based upon the likely timing on level offuture taxable profits together with future strategictax planning.
4. KAS DAN SETARA KAS 4. CASH AND CASH EQUIVALENTS
31 Desember/December 31,
2019 2018
Kas 9.985 23.723 Cash on Hand
Bank Cash in BanksPihak ketiga Third parties
Rupiah RupiahPT Bank Central Asia Tbk 87.796 128.306 PT Bank Central Asia TbkPT Bank Mandiri (Persero) Tbk 34.552 12.358 PT Bank Mandiri (Persero) TbkPT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 30.287 16.198 (Persero) TbkPT Bank KEB Hana Indonesia 23.730 21.864 PT Bank KEB Hana IndonesiaPT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 8.292 2.636 (Persero) TbkPT Bank Panin Syariah 1.349 1.339 PT Bank Panin SyariahPT Bank Pan Indonesia Tbk 1.097 1.796 PT Bank Pan Indonesia TbkPT Bank Bukopin Tbk 725 398 PT Bank Bukopin TbkPT Bank Muamalat Indonesia Tbk - 611 PT Bank Muamalat Indonesia TbkLain-lain (masing-masing
di bawah Rp500) 879 900 Others (each below Rp500)
Dolar Amerika Serikat United States DollarPT Bank DBS Indonesia 51 52 PT Bank DBS IndonesiaStandard Chartered Bank, Standard Chartered Bank,
Indonesia 1 1 Indonesia
Subtotal 188.759 186.459 Subtotal
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
415
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
44
3. SUMBER ESTIMASI KETIDAKPASTIAN(lanjutan)
3. SOURCE OF ESTIMATION UNCERTAINTY(continued)
Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Perpajakan (lanjutan) Taxation (continued)
Jika hasil akhir dari hal ini berbeda dengan jumlahyang dicatat semula, maka perbedaan tersebut akanberdampak pada laba rugi. Perusahaan mengakuiliabilitas atas pajak penghasilan badan berdasarkanestimasi penghasilan kena pajak badan.
Where the final tax outcome of these matters isdifferent from the amounts that were initiallyrecorded, such differences will impact the profit andloss. The Company recognizes liabilities forexpected corporate income tax issues based onestimates of corporate taxable income.
Pajak tangguhan Deferred tax
Aset pajak tangguhan diakui atas jumlah pajakpenghasilan terpulihkan (recoverable) pada periodemendatang sebagai akibat perbedaan temporeryang boleh dikurangkan.
Deferred tax assets are recognized for the futurerecoverable taxable income arising from temporarydifference.
Justifikasi manajemen diperlukan untukmenentukan jumlah aset pajak tangguhan yangdapat diakui, sesuai dengan waktu yang tepat dantingkat laba fiskal di masa mendatang sejalandengan strategi rencana perpajakan ke depan.
Management judgement is required to determinethe amount of deferred tax assets that can berecognized, based upon the likely timing on level offuture taxable profits together with future strategictax planning.
4. KAS DAN SETARA KAS 4. CASH AND CASH EQUIVALENTS
31 Desember/December 31,
2019 2018
Kas 9.985 23.723 Cash on Hand
Bank Cash in BanksPihak ketiga Third parties
Rupiah RupiahPT Bank Central Asia Tbk 87.796 128.306 PT Bank Central Asia TbkPT Bank Mandiri (Persero) Tbk 34.552 12.358 PT Bank Mandiri (Persero) TbkPT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 30.287 16.198 (Persero) TbkPT Bank KEB Hana Indonesia 23.730 21.864 PT Bank KEB Hana IndonesiaPT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 8.292 2.636 (Persero) TbkPT Bank Panin Syariah 1.349 1.339 PT Bank Panin SyariahPT Bank Pan Indonesia Tbk 1.097 1.796 PT Bank Pan Indonesia TbkPT Bank Bukopin Tbk 725 398 PT Bank Bukopin TbkPT Bank Muamalat Indonesia Tbk - 611 PT Bank Muamalat Indonesia TbkLain-lain (masing-masing
di bawah Rp500) 879 900 Others (each below Rp500)
Dolar Amerika Serikat United States DollarPT Bank DBS Indonesia 51 52 PT Bank DBS IndonesiaStandard Chartered Bank, Standard Chartered Bank,
Indonesia 1 1 Indonesia
Subtotal 188.759 186.459 Subtotal
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
45
4. KAS DAN SETARA KAS (lanjutan) 4. CASH AND CASH EQUIVALENTS (continued)
31 Desember/December 31,
2019 2018
Pihak berelasi (Catatan 28) Related party (Note 28)Rupiah RupiahPT Bank Maybank Indonesia Tbk 492.817 973.393 PT Bank Maybank Indonesia Tbk
Dolar Amerika Serikat United States DollarPT Bank Maybank Indonesia Tbk - 1 PT Bank Maybank Indonesia Tbk
Subtotal 492.817 973.394 Subtotal
Total Bank 681.576 1.159.853 Total Cash in Banks
Setara Kas - Deposito Berjangka Cash Equivalents - Time DepositsPihak berelasi (Catatan 28) Related party (Note 28)
Rupiah RupiahPT Bank Maybank Indonesia Tbk 60.000 60.000 PT Bank Maybank Indonesia Tbk
Total Setara Kas - Total Cash Equivalents -Deposito Berjangka 60.000 60.000 Time Deposits
Total 751.561 1.243.576 Total
Tahun yang berakhirpada tanggal 31 Desember/Year ended December 31,
2019 2018
Kisaran margin atas Ranging of margindeposito berjangka - Rupiah 6,25% - 8,00% 6,25 - 8,00% of time deposits - Rupiah
Tingkat suku bunga setahun untuk kas di bankberkisar 2,0% - 5,0% pada tahun 2019 dan 2018.
Interest rates per annum for cash in banks rangedfrom 2.0% - 5.0% in 2019 and 2018.
Lihat Catatan 28 untuk rincian transaksi dan saldodengan pihak-pihak berelasi.
Refer to Note 28 for details of transactions andbalances with related parties.
Jangka waktu deposito berjangka adalah 1 (satu)bulan.
The term of time deposits is one (1) month.
Pada tanggal 31 December 2019 dan 2018, depositoberjangka tidak digunakan sebagai jaminan atasutang dan tidak dibatasi penggunaannya.
As of December 31, 2019 and 2018, time depositsis not used as collateral for loans nor restricted.
Informasi mengenai klasifikasi dan nilai wajar kas dansetara kas diungkapkan pada Catatan 31.
Information with respect to the classification and fairvalue of cash and cash equivalents is disclosed inNote 31.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH416
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
46
5. PIUTANG PEMBIAYAAN KONSUMEN 5. CONSUMER FINANCING RECEIVABLES
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesRupiah Rupiah
Piutang pembiayaan Consumer financingkonsumen - bruto 9.704.465 10.876.735 receivables - gross
Dikurangi bagian yangdibiayai bank sehubungan Less amounts financed by banksdengan transaksi kerjasama relating to the joint financingpembiayaan bersama cooperation transactions(Catatan 27 dan 28) (406.934) (1.249.762) (Notes 27 and 28)
Subtotal 9.297.531 9.626.973 Subtotal
Pendapatan pembiayaan Unearned consumer financingkonsumen yang belum diakui (1.955.083) (2.164.503) income
Piutang pembiayaan konsumen 7.342.448 7.462.470 Consumer financing receivables
Cadangan kerugian penurunan nilai (137.233) (219.402) Allowance for impairment losses
Piutang Pembiayaan Consumer FinancingKonsumen - neto 7.205.215 7.243.068 Receivables - net
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Tingkat suku bunga efektif rata-rata Average effective annual interesttahunan - Rupiah 33,15% 33,63% rates - Rupiah
Akun ini merupakan piutang yang dikenakan bungayang timbul dari kegiatan pembiayaan dalam bentukpinjaman multiguna dan penyediaan kendaraanbermotor roda dua atau roda empat kepadakonsumen dengan pembayaran angsuran secaraberkala.
This account represents interest-bearingreceivables arising from financing activities in theform of multi purpose financing and providing two-wheeled or four-wheeled motor vehicles toconsumers with periodic installment paymentschedule.
Pada tanggal 31 Desember 2019 dan 2018, jumlahbiaya transaksi yang terkait langsung denganpemberian pembiayaan konsumen masing-masingsebesar Rp168.708 dan Rp292.716.
As of December 31, 2019 and 2018, the directlyattributable transaction cost to the origination ofconsumer financing accounts amounted toRp168,708 and Rp292,716, respectively.
Angsuran piutang yang akan diterima darikonsumen menurut tanggal jatuh tempo angsuranadalah sebagai berikut:
Installment receivables which will be collected fromconsumers in accordance with installment due datesare as follows:
31 Desember/December 31,
Jatuh tempo dalam waktu 2019 2018 Due in
Telah jatuh tempo 224.752 266.779 Due< 1 tahun 6.018.333 6.522.900 < 1 year1 - 2 tahun 2.702.829 3.269.782 1 - 2 years> 2 tahun 758.551 817.274 > 2 years
Total Piutang Pembiayaan Total Consumer FinancingKonsumen - bruto 9.704.465 10.876.735 Receivables - gross
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
417
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
46
5. PIUTANG PEMBIAYAAN KONSUMEN 5. CONSUMER FINANCING RECEIVABLES
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesRupiah Rupiah
Piutang pembiayaan Consumer financingkonsumen - bruto 9.704.465 10.876.735 receivables - gross
Dikurangi bagian yangdibiayai bank sehubungan Less amounts financed by banksdengan transaksi kerjasama relating to the joint financingpembiayaan bersama cooperation transactions(Catatan 27 dan 28) (406.934) (1.249.762) (Notes 27 and 28)
Subtotal 9.297.531 9.626.973 Subtotal
Pendapatan pembiayaan Unearned consumer financingkonsumen yang belum diakui (1.955.083) (2.164.503) income
Piutang pembiayaan konsumen 7.342.448 7.462.470 Consumer financing receivables
Cadangan kerugian penurunan nilai (137.233) (219.402) Allowance for impairment losses
Piutang Pembiayaan Consumer FinancingKonsumen - neto 7.205.215 7.243.068 Receivables - net
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Tingkat suku bunga efektif rata-rata Average effective annual interesttahunan - Rupiah 33,15% 33,63% rates - Rupiah
Akun ini merupakan piutang yang dikenakan bungayang timbul dari kegiatan pembiayaan dalam bentukpinjaman multiguna dan penyediaan kendaraanbermotor roda dua atau roda empat kepadakonsumen dengan pembayaran angsuran secaraberkala.
This account represents interest-bearingreceivables arising from financing activities in theform of multi purpose financing and providing two-wheeled or four-wheeled motor vehicles toconsumers with periodic installment paymentschedule.
Pada tanggal 31 Desember 2019 dan 2018, jumlahbiaya transaksi yang terkait langsung denganpemberian pembiayaan konsumen masing-masingsebesar Rp168.708 dan Rp292.716.
As of December 31, 2019 and 2018, the directlyattributable transaction cost to the origination ofconsumer financing accounts amounted toRp168,708 and Rp292,716, respectively.
Angsuran piutang yang akan diterima darikonsumen menurut tanggal jatuh tempo angsuranadalah sebagai berikut:
Installment receivables which will be collected fromconsumers in accordance with installment due datesare as follows:
31 Desember/December 31,
Jatuh tempo dalam waktu 2019 2018 Due in
Telah jatuh tempo 224.752 266.779 Due< 1 tahun 6.018.333 6.522.900 < 1 year1 - 2 tahun 2.702.829 3.269.782 1 - 2 years> 2 tahun 758.551 817.274 > 2 years
Total Piutang Pembiayaan Total Consumer FinancingKonsumen - bruto 9.704.465 10.876.735 Receivables - gross
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
47
5. PIUTANG PEMBIAYAAN KONSUMEN (lanjutan) 5. CONSUMER FINANCING RECEIVABLES(continued)
Pengelompokan piutang pembiayaan konsumen -bruto menurut hari tunggakan adalah sebagaiberikut:
Classification of consumer financing receivables -gross based on overdue days are as follows:
31 Desember/December 31,
2019 2018
Tidak ada tunggakan 7.888.966 8.556.454 Current1-90 hari 1.615.823 2.002.855 1-90 days91-120 hari 44.621 86.862 91-120 days121-180 hari 70.182 109.403 121-180 days> 180 hari 84.873 121.161 > 180 days
Total Piutang Pembiayaan Total Consumer FinancingKonsumen - bruto 9.704.465 10.876.735 Receivables - gross
Perubahan penyisihan kerugian penurunan nilaiadalah sebagai berikut:
The changes of allowance for impairment losses areas follows:
31 Desember/December 31,
2019 2018
Saldo awal 219.402 133.909 Beginning balancePembentukan cadangan kerugian
penurunan nilai selama Provisions on impairment lossestahun berjalan 404.929 474.284 during the year
Penghapusan piutang tak tertagih selama tahun berjalan (487.098) (388.791) Write-off during the year
Saldo akhir 137.233 219.402 Ending balance
Pada tanggal 31 Desember 2019 dan 2018, seluruhpiutang pembiayaan konsumen yang diberikankepada debitur dinilai secara kolektif penurunannilainya.
As of December 31, 2019 and 2018, all consumerfinancing receivables were collectively assessedfor impairment.
Manajemen Perusahaan berkeyakinan bahwajumlah cadangan kerugian penurunan nilai di atasadalah memadai untuk menutup kemungkinankerugian yang timbul dari tidak tertagihnya piutangpembiayaan konsumen.
The Company’s management believes that theabove allowance for impairment losses is adequateto cover possible losses that may arise fromuncollectible consumer financing receivables.
Pada tanggal 31 Desember 2019 dan 2018, piutangpembiayaan konsumen masing-masing sebesarRp3.428.329 dan Rp4.154.799 digunakan sebagaijaminan atas utang bank dan masing-masingsebesar Rp1.593.005 dan Rp1.177.804 sebagaijaminan atas utang obligasi (Catatan 11, 15, 16, dan27).
As of December 31, 2019 and 2018, the consumerfinancing receivables amounted to Rp3,428,329and Rp4,154,799, respectively, are pledged ascollateral to the bank loans and amounted toRp1,593,005 and Rp1,177,804 to the bondspayable, respectively (Notes 11, 15, 16, and 27).
Sebagai jaminan atas pembiayaan konsumen yangdiberikan, Perusahaan menerima jaminan darikonsumen berupa Bukti Pemilikan KendaraanBermotor (“BPKB”) dari kendaraan bermotor rodadua atau roda empat (Catatan 27).
As collateral to the consumer financingreceivables, the Company receives the ownershipcertificates (“BPKB”) of the two-wheeled or four-wheeled motor vehicles (Note 27).
Informasi mengenai klasifikasi dan nilai wajarpiutang pembiayaan konsumen - neto diungkapkanpada Catatan 31.
Information with respect to the classification andfair value of consumer financing receivables - netis disclosed in Note 31.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH418
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
48
6. PIUTANG LAIN-LAIN 6. OTHER RECEIVABLES
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesPiutang penerimaan Consumer installment
angsuran konsumen 24.322 55.632 receipt receivablesPiutang pengembalian premi asuransi 7.102 5.373 Insurance premium receivablePinjaman karyawan 405 847 Loans to employeesLain-lain 10.184 6.891 Others
Subtotal 42.013 68.743 Subtotal
Pihak berelasi Related partyPinjaman karyawan (Catatan 28) 4.561 3.601 Loans to employee (Note 28)
Total 46.574 72.344 Total
Piutang penerimaan angsuran konsumenmerupakan pembayaran angsuran konsumenmelalui collecting agents seperti PT Pos Indonesia,PT Sumber Alfaria Trijaya Tbk,PT Midi Utama Indonesia Tbk,PT Rintis Sejahtera, dan PT Indomarco Prismatama,yang akan dibayarkan ke Perusahaan melaluitransfer ke rekening bank dengan jangka waktu 1(satu) hari sampai dengan 5 (lima) hari kerjaterhitung dari tanggal penerimaan angsurankonsumen.
Consumer installment receipt receivables areconsumer installment payments through collectingagents which are PT Pos Indonesia,PT Sumber Alfaria Trijaya Tbk,PT Midi Utama Indonesia Tbk,PT Rintis Sejahtera, and PT IndomarcoPrismatama, which will be paid to the Company bytransfer to bank account within one (1) day up tofive (5) working days from the date of receipt of theconsumer installment.
Pinjaman karyawan terdiri dari pinjaman karyawandan pinjaman kepada direktur. Pinjaman karyawanmerupakan pinjaman tanpa bunga yang diangsurmelalui pemotongan gaji setiap bulan denganjangka waktu pinjaman berkisar antara 1 (satu)tahun sampai dengan 3 (tiga) tahun. Pinjamankepada direktur dikenakan bunga sebesar 5,00%per tahun, yang diangsur melalui pemotongan gajisetiap bulan dengan jangka waktu pinjaman 10(sepuluh) tahun sampai dengan 15 (lima belas)tahun.
Loans to employees consist of loans to employeesand loans to directors. Loans to employeesrepresent non-interest bearing loans, which arerepaid through monthly salary deductions over theloan periods ranging from one (1) year to three (3)years. Loans to directors which bear annualinterest rate at 5.00% per annum, are repaidthrough monthly salary deductions over the loanperiod of ten (10) years to fifteen (15) years.
Nilai wajar dari pinjaman karyawan dinilaimenggunakan diskonto arus kas berdasarkantingkat suku bunga pasar.
The fair value of employee loans is determined bydiscounting cash flows using the market interestrate.
Pinjaman karyawan untuk pemilikan kendaraandijamin dengan BPKB kendaraan yang dibiayai.
Loans to employees for vehicle ownership aresecured by the vehicles’ BPKB of the financedvehicles.
Piutang pengembalian premi asuransi merupakantagihan klaim yang diajukan kepada perusahaanasuransi atas kelebihan pembayaran premiasuransi.
Insurance premium refund represents refundreceivables to insurance companies related toexcess payment of insurance premium.
Manajemen Perusahaan berkeyakinan bahwasemua piutang pengembalian premi asuransi dapattertagih.
The Company’s management believes that allinsurance premium refund can be collected.
Informasi mengenai klasifikasi dan nilai wajarpiutang lain-lain diungkapkan pada Catatan 31.
Information with respect to the classification andfair value of other receivables is disclosed inNote 31.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
419
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
48
6. PIUTANG LAIN-LAIN 6. OTHER RECEIVABLES
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesPiutang penerimaan Consumer installment
angsuran konsumen 24.322 55.632 receipt receivablesPiutang pengembalian premi asuransi 7.102 5.373 Insurance premium receivablePinjaman karyawan 405 847 Loans to employeesLain-lain 10.184 6.891 Others
Subtotal 42.013 68.743 Subtotal
Pihak berelasi Related partyPinjaman karyawan (Catatan 28) 4.561 3.601 Loans to employee (Note 28)
Total 46.574 72.344 Total
Piutang penerimaan angsuran konsumenmerupakan pembayaran angsuran konsumenmelalui collecting agents seperti PT Pos Indonesia,PT Sumber Alfaria Trijaya Tbk,PT Midi Utama Indonesia Tbk,PT Rintis Sejahtera, dan PT Indomarco Prismatama,yang akan dibayarkan ke Perusahaan melaluitransfer ke rekening bank dengan jangka waktu 1(satu) hari sampai dengan 5 (lima) hari kerjaterhitung dari tanggal penerimaan angsurankonsumen.
Consumer installment receipt receivables areconsumer installment payments through collectingagents which are PT Pos Indonesia,PT Sumber Alfaria Trijaya Tbk,PT Midi Utama Indonesia Tbk,PT Rintis Sejahtera, and PT IndomarcoPrismatama, which will be paid to the Company bytransfer to bank account within one (1) day up tofive (5) working days from the date of receipt of theconsumer installment.
Pinjaman karyawan terdiri dari pinjaman karyawandan pinjaman kepada direktur. Pinjaman karyawanmerupakan pinjaman tanpa bunga yang diangsurmelalui pemotongan gaji setiap bulan denganjangka waktu pinjaman berkisar antara 1 (satu)tahun sampai dengan 3 (tiga) tahun. Pinjamankepada direktur dikenakan bunga sebesar 5,00%per tahun, yang diangsur melalui pemotongan gajisetiap bulan dengan jangka waktu pinjaman 10(sepuluh) tahun sampai dengan 15 (lima belas)tahun.
Loans to employees consist of loans to employeesand loans to directors. Loans to employeesrepresent non-interest bearing loans, which arerepaid through monthly salary deductions over theloan periods ranging from one (1) year to three (3)years. Loans to directors which bear annualinterest rate at 5.00% per annum, are repaidthrough monthly salary deductions over the loanperiod of ten (10) years to fifteen (15) years.
Nilai wajar dari pinjaman karyawan dinilaimenggunakan diskonto arus kas berdasarkantingkat suku bunga pasar.
The fair value of employee loans is determined bydiscounting cash flows using the market interestrate.
Pinjaman karyawan untuk pemilikan kendaraandijamin dengan BPKB kendaraan yang dibiayai.
Loans to employees for vehicle ownership aresecured by the vehicles’ BPKB of the financedvehicles.
Piutang pengembalian premi asuransi merupakantagihan klaim yang diajukan kepada perusahaanasuransi atas kelebihan pembayaran premiasuransi.
Insurance premium refund represents refundreceivables to insurance companies related toexcess payment of insurance premium.
Manajemen Perusahaan berkeyakinan bahwasemua piutang pengembalian premi asuransi dapattertagih.
The Company’s management believes that allinsurance premium refund can be collected.
Informasi mengenai klasifikasi dan nilai wajarpiutang lain-lain diungkapkan pada Catatan 31.
Information with respect to the classification andfair value of other receivables is disclosed inNote 31.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
49
7. BIAYA DIBAYAR DI MUKA DAN UANG MUKA 7. PREPAID EXPENSES AND ADVANCES
31 Desember/December 31,
2019 2018
Sewa dan uang muka Office rentals andrenovasi kantor 60.258 57.506 advance for renovations
Uang muka dealer 10.147 17.634 Dealer advancesUang muka perangkat lunak
dan lisensi 333 37.939 Advance for software and licensesLain-lain 6.166 5.935 Others
Total 76.904 119.014 Total
Informasi mengenai klasifikasi dan nilai wajar uangmuka dealer diungkapkan pada Catatan 31.
Information with respect to the classification and fairvalue of dealer advances is disclosed inNote 31.
8. ASET TETAP 8. PROPERTY AND EQUIPMENT
31 Desember/December 31, 2019
Saldo awal/ Saldo akhir/Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Biaya Perolehan CostKepemilikan langsung: Direct ownership: Tanah 798 - - 798 Land Bangunan 5.200 - - 5.200 Buildings
LeaseholdRenovasi kantor 104.027 12.364 16 116.375 improvement
Kendaraan 59.137 10.934 4.039 66.032 Vehicles Peralatan kantor 233.567 22.091 1.058 254.600 Office equipment
Office furniture and Perabot kantor 27.082 1.763 86 28.759 fixtures
Total Biaya Perolehan 429.811 47.152 5.199 471.764 Total Cost
AccumulatedAkumulasi Penyusutan DepreciationKepemilikan langsung: Direct ownership: Bangunan 5.200 - - 5.200 Buildings
LeaseholdRenovasi kantor 67.202 9.724 10 76.916 improvement
Kendaraan 41.481 8.518 2.508 47.491 Vehicles Peralatan kantor 191.951 20.989 1.020 211.920 Office equipment
Office furniture and Perabot kantor 14.348 4.303 86 18.565 fixtures
Total AccumulatedTotal Akumulasi Penyusutan 320.182 43.534 3.624 360.092 Depreciation
Jumlah Tercatat 109.629 111.672 Carrying Amount
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH420
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
50
8. ASET TETAP (lanjutan) 8. PROPERTY AND EQUIPMENT (continued)
31 Desember/ December 31, 2018
Saldo awal/ Saldo akhir/Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Biaya Perolehan CostKepemilikan langsung: Direct ownership: Tanah 798 - - 798 Land Bangunan 5.200 - - 5.200 Buildings
LeaseholdRenovasi kantor 71.842 32.954 769 104.027 improvement Kendaraan 50.769 12.066 3.698 59.137 Vehicles Peralatan kantor 213.064 22.466 1.963 233.567 Office equipment
Office furniture and Perabot kantor 12.860 14.509 287 27.082 fixtures
Total Biaya Perolehan 354.533 81.995 6.717 429.811 Total Cost
AccumulatedAkumulasi Penyusutan DepreciationKepemilikan langsung: Direct ownership: Bangunan 5.081 119 - 5.200 Buildings
LeaseholdRenovasi kantor 58.673 8.942 413 67.202 improvement
Kendaraan 36.219 8.119 2.857 41.481 Vehicles Peralatan kantor 176.938 16.873 1.860 191.951 Office equipment
Office furniture and Perabot kantor 11.485 3.051 188 14.348 fixtures
Total AccumulatedTotal Akumulasi Penyusutan 288.396 37.104 5.318 320.182 Depreciation
Jumlah Tercatat 66.137 109.629 Carrying Amount
Beban penyusutan adalah masing-masing sebesarRp43.534 dan Rp37.104 untuk tahun yang berakhirpada tanggal-tanggal 31 Desember 2019 dan 2018.
Depreciation charged to operations amounting toRp43,534 and Rp37,104 for the years endedDecember 31, 2019 and 2018, respectively.
Rincian laba penjualan aset tetap adalah sebagaiberikut:
The details of gain on sale of property and equipmentare as follows:
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Proceeds from sale ofHasil penjualan aset tetap 2.650 1.899 property and equipment
Net book value of propertyNilai buku aset tetap (1.575) (1.399) and equipment
Gain on sale ofLaba penjualan aset tetap 1.075 500 property and equipment
Laba penjualan aset tetap disajikan sebagai bagiandari “Pendapatan Lain-lain - Lain-lain” pada laporanlaba rugi dan penghasilan komprehensif lain.
Gain on sale of property and equipment is recordedas part of “Other Revenues - Others” in the statementof profit or loss and other comprehensive income.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
421
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
50
8. ASET TETAP (lanjutan) 8. PROPERTY AND EQUIPMENT (continued)
31 Desember/ December 31, 2018
Saldo awal/ Saldo akhir/Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Biaya Perolehan CostKepemilikan langsung: Direct ownership: Tanah 798 - - 798 Land Bangunan 5.200 - - 5.200 Buildings
LeaseholdRenovasi kantor 71.842 32.954 769 104.027 improvement Kendaraan 50.769 12.066 3.698 59.137 Vehicles Peralatan kantor 213.064 22.466 1.963 233.567 Office equipment
Office furniture and Perabot kantor 12.860 14.509 287 27.082 fixtures
Total Biaya Perolehan 354.533 81.995 6.717 429.811 Total Cost
AccumulatedAkumulasi Penyusutan DepreciationKepemilikan langsung: Direct ownership: Bangunan 5.081 119 - 5.200 Buildings
LeaseholdRenovasi kantor 58.673 8.942 413 67.202 improvement
Kendaraan 36.219 8.119 2.857 41.481 Vehicles Peralatan kantor 176.938 16.873 1.860 191.951 Office equipment
Office furniture and Perabot kantor 11.485 3.051 188 14.348 fixtures
Total AccumulatedTotal Akumulasi Penyusutan 288.396 37.104 5.318 320.182 Depreciation
Jumlah Tercatat 66.137 109.629 Carrying Amount
Beban penyusutan adalah masing-masing sebesarRp43.534 dan Rp37.104 untuk tahun yang berakhirpada tanggal-tanggal 31 Desember 2019 dan 2018.
Depreciation charged to operations amounting toRp43,534 and Rp37,104 for the years endedDecember 31, 2019 and 2018, respectively.
Rincian laba penjualan aset tetap adalah sebagaiberikut:
The details of gain on sale of property and equipmentare as follows:
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Proceeds from sale ofHasil penjualan aset tetap 2.650 1.899 property and equipment
Net book value of propertyNilai buku aset tetap (1.575) (1.399) and equipment
Gain on sale ofLaba penjualan aset tetap 1.075 500 property and equipment
Laba penjualan aset tetap disajikan sebagai bagiandari “Pendapatan Lain-lain - Lain-lain” pada laporanlaba rugi dan penghasilan komprehensif lain.
Gain on sale of property and equipment is recordedas part of “Other Revenues - Others” in the statementof profit or loss and other comprehensive income.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
51
8. ASET TETAP (lanjutan) 8. PROPERTY AND EQUIPMENT (continued)
Hak Guna Bangunan (“HGB”) atas tanah danbangunan yang berlokasi di Sunter, Jakarta akanberakhir pada tanggal 2 Agustus 2027. HGB-HGByang berlokasi di Tangerang (Banten), Sidoarjo(Jawa Timur), Samarinda (Kalimantan Timur), danDaerah Istimewa Yogyakarta akan berakhir masing-masing pada tanggal 15 Juli 2027, 4 Januari 2027,7 Agustus 2026, dan 23 September 2020.Manajemen Perusahaan berkeyakinan bahwa HGB-HGB di atas dapat diperpanjang pada saat masaberlakunya berakhir.
Rights to Use the Building (“Hak Guna Bangunan -HGB”) covering the land and buildings located atSunter, Jakarta will expire on August 2, 2027. HGBsin Tangerang (Banten), Sidoarjo (East Java),Samarinda (East Kalimantan), and YogyakartaProvince will expire on July 15, 2027, January 4,2027, August 7, 2026, and September 23, 2020,respectively. Company’s management believes thatthe above HGBs can be renewed at the expirydates.
Berdasarkan penelaahan penurunan nilai atas asettetap, manajemen Perusahaan berkeyakinan bahwatidak ada kejadian-kejadian atau perubahan-perubahan keadaan yang mengindikasikan bahwanilai tercatatnya mungkin tidak dapat terpulihkanpada tanggal 31 Desember 2019 dan 2018.
Based on the assessment for impairment of theproperty and equipment, the Company’smanagement believes that there are no events orchanges in circumstances, which may indicate thatthe carrying amounts of these assets are notrecoverable as of December 31, 2019 and 2018.
Aset tetap telah diasuransikan terhadap risikokebakaran dan risiko lainnya dengan nilaipertanggungan keseluruhan sebesar Rp124.083dan AS$3.169.077 (dalam nilai penuh) pada tanggal31 Desember 2019 dan Rp103.446 danAS$3.169.177 (dalam nilai penuh) pada tanggal31 Desember 2018. Pada tanggal 31 Desember2019 dan 2018, aset tetap tersebut diasuransikanmelalui PT Asuransi Sinar Mas, PT Asuransi AdiraDinamika (Adira Insurance), PT Asuransi CentralAsia (ACA), dan PT Malacca Trust WuwunganInsurance Tbk.
Property and equipment are covered by insuranceagainst losses from fire and other risks for a totalcoverage of Rp124,083 and US$3,169,077 (in fullamount) as of December 31, 2019 and Rp103,446and US$3,169,177 (in full amount) as ofDecember 31, 2018. As of December 31, 2019 and2018, property and equipment are insured throughPT Asuransi Sinar Mas, PT Asuransi AdiraDinamika (Adira Insurance), PT Asuransi CentralAsia (ACA), and PT Malacca Trust WuwunganInsurance Tbk.
Seluruh perusahaan asuransi tersebut di atasadalah pihak ketiga.
All the above insurance companies are third parties.
Manajemen Perusahaan berkeyakinan bahwa nilaipertanggungan asuransi tersebut telah memadaiuntuk menutup kemungkinan kerugian atas asettetap yang dipertanggungkan.
The Company’s management believes thatthe sum insured is adequate to cover the possiblelosses from these insured risks.
Pada tanggal 31 Desember 2019 dan 2018 asettetap dengan harga perolehan masing-masingsebesar Rp101.892 dan Rp110.163 telahdisusutkan penuh dan masih digunakan olehPerusahaan (tidak diaudit).
As of December 31, 2019 and 2018 property andequipment with acquisition cost amounting toRp101,892 and Rp110,163, respectively have beenfully depreciated and are still being used by theCompany (unaudited).
Selama belum lunas, aset tetap berupa kendaraanyang diperoleh melalui fasilitas pembiayaandigunakan sebagai jaminan atas fasilitaspembiayaan kendaraan yang diperoleh dariPT Maybank Indonesia Finance Tbk, pihak berelasi(Catatan 28), PT Clipan Finance Indonesia Tbk, danPT Mandiri Tunas Finance (Catatan 15).
Until fully paid, property and equipment in the formof vehicles which are acquired through financingfacilities are used as collateral to the vehiclesfinancing facilities obtained from PT MaybankIndonesia Finance Tbk, a related party (Note 28), PTClipan Finance Indonesia Tbk, and PT MandiriTunas Finance (Note 15).
Estimasi nilai wajar tanah dan bangunan Perseroanberdasarkan nilai jual objek pajak pada tanggal31 Desember 2019 dan 2018 adalah masing-masingsebesar Rp11.849 dan Rp11.758.
The estimated fair value of the Company’s land andbuilding based on tax object sale value as ofDecember 31, 2019 and 2018 are Rp11,849 andRp11,758, respectively.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH422
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
52
9. ASET TIDAK BERWUJUD 9. INTANGIBLE ASSETS
Aset tidak berwujud terdiri dari perangkat lunak. Intangible assets consist of software.
31 Desember/December 31, 2019
Saldo awal/ Saldo akhir/Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Perangkat Lunak: Software: Biaya Perolehan - 33.479 - 33.479 At Cost Akumulasi Amortisasi - (1.395) - (1.395) Accumulated Amortization
Jumlah Tercatat - 32.084 - 32.084 Carrying Amount
10. ASET LAIN-LAIN 10. OTHER ASSETS
31 Desember/December 31,
2019 2018
Taksiran tagihan pajak (Catatan 14) 5.224 - Claim for tax refund (Note 14)Uang jaminan 4.079 3.840 Security depositKelebihan pembayaran pajak yang Refundable
dapat dikembalikan (Catatan 14) tax overpayment (Note 14)Tahun pajak 2018 2.882 2.882 Fiscal year 2018
Lain-lain 1.037 517 Others
Total 13.222 7.239 Total
11. UTANG BANK 11. BANK LOANS
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesPT Bank Pan Indonesia Tbk PT Bank Pan Indonesia Tbk
(Pokok pinjaman sebesar (Outstanding loans ofRp1.172.917 dan Rp2.206.250, Rp1,172,917 and Rp2,206,250,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp1.584 dan Rp3.397 Rp1,584 and Rp3,397pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 1.171.333 2.202.853 and 2018, respectively)
PT Bank Central Asia Tbk PT Bank Central Asia Tbk(Pokok pinjaman sebesar (Outstanding loans ofRp583.333 dan Rp696.528, Rp583,333 and Rp696,528,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp1.412 dan Rp1.675 Rp1,412 and Rp1,675pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 581.921 694.853 and 2018, respectively)
PT Bank Mandiri (Persero) Tbk PT Bank Mandiri (Persero) Tbk(Pokok pinjaman sebesar Rp487.777, (Oustanding loans of Rp487,777,dikurangi provisi bank yang belum net of unamortized bank provisiondiamortisasi sebesar Rp1.162 of Rp1,162pada tanggal 31 Desember 2019) 486.615 - as of December 31, 2019)
PT Bank KEB Hana Indonesia PT Bank KEB Hana Indonesia(Pokok pinjaman sebesar (Outstanding loans ofRp477.499 dan Rp445.005, Rp477,499 and Rp445,005,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp1.011 dan Rp1.159 Rp1,011 and Rp1,159pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 476.488 443.846 and 2018, respectively)
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
423
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
52
9. ASET TIDAK BERWUJUD 9. INTANGIBLE ASSETS
Aset tidak berwujud terdiri dari perangkat lunak. Intangible assets consist of software.
31 Desember/December 31, 2019
Saldo awal/ Saldo akhir/Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Perangkat Lunak: Software: Biaya Perolehan - 33.479 - 33.479 At Cost Akumulasi Amortisasi - (1.395) - (1.395) Accumulated Amortization
Jumlah Tercatat - 32.084 - 32.084 Carrying Amount
10. ASET LAIN-LAIN 10. OTHER ASSETS
31 Desember/December 31,
2019 2018
Taksiran tagihan pajak (Catatan 14) 5.224 - Claim for tax refund (Note 14)Uang jaminan 4.079 3.840 Security depositKelebihan pembayaran pajak yang Refundable
dapat dikembalikan (Catatan 14) tax overpayment (Note 14)Tahun pajak 2018 2.882 2.882 Fiscal year 2018
Lain-lain 1.037 517 Others
Total 13.222 7.239 Total
11. UTANG BANK 11. BANK LOANS
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesPT Bank Pan Indonesia Tbk PT Bank Pan Indonesia Tbk
(Pokok pinjaman sebesar (Outstanding loans ofRp1.172.917 dan Rp2.206.250, Rp1,172,917 and Rp2,206,250,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp1.584 dan Rp3.397 Rp1,584 and Rp3,397pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 1.171.333 2.202.853 and 2018, respectively)
PT Bank Central Asia Tbk PT Bank Central Asia Tbk(Pokok pinjaman sebesar (Outstanding loans ofRp583.333 dan Rp696.528, Rp583,333 and Rp696,528,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp1.412 dan Rp1.675 Rp1,412 and Rp1,675pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 581.921 694.853 and 2018, respectively)
PT Bank Mandiri (Persero) Tbk PT Bank Mandiri (Persero) Tbk(Pokok pinjaman sebesar Rp487.777, (Oustanding loans of Rp487,777,dikurangi provisi bank yang belum net of unamortized bank provisiondiamortisasi sebesar Rp1.162 of Rp1,162pada tanggal 31 Desember 2019) 486.615 - as of December 31, 2019)
PT Bank KEB Hana Indonesia PT Bank KEB Hana Indonesia(Pokok pinjaman sebesar (Outstanding loans ofRp477.499 dan Rp445.005, Rp477,499 and Rp445,005,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp1.011 dan Rp1.159 Rp1,011 and Rp1,159pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 476.488 443.846 and 2018, respectively)
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
53
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
31 Desember/December 31,
2019 2018
Pihak ketiga (lanjutan) Third parties (continued)PT Bank Mega Tbk PT Bank Mega Tbk
(Pokok pinjaman sebesar (Outstanding loans ofRp255.556 dan Rp422.222, Rp255,556 and Rp422,222,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp344 dan Rp897 Rp344 and Rp897pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 255.212 421.325 and 2018, respectively)
PT Bank Permata Tbk PT Bank Permata Tbk(Pokok pinjaman sebesar (Outstanding loans ofRp235.196 dan Rp498.744, Rp235,196 and Rp498,744,dikurangi provisi bank yang net of unamortizedbelum diamortisasi sebesar bank provision ofRp440 dan Rp1.671 Rp440 and Rp1,671pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 234.756 497.073 and 2018, respectively)
PT Bank HSBC Indonesia PT Bank HSBC Indonesia(Pokok pinjaman sebesar (Outstanding loans ofRp200.000 dan Rp200.000, Rp200,000 and Rp 200,000,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rpnihil dan Rpnihil Rpnil and Rpnilpada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 200.000 200.000 and 2018, respectively)
PT Bank DBS Indonesia PT Bank DBS Indonesia(Pokok pinjaman sebesar (Outstanding loans ofRp150.000, dikurangi provisi Rp150,000, net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rpnihil Rpnilpada tanggal 31 Desember 2019) 150.000 - as of December 31, 2019)
PT Bank Shinhan Indonesia PT Bank Shinhan Indonesia(Pokok pinjaman sebesar (Outstanding loans ofRp66.667 dan Rp100.000, Rp66,667 and Rp100,000,dikurangi provisi net of unamortizedbank yang belum diamortisasi bank provision ofsebesar Rp116 dan Rp249 Rp116 and Rp249pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) 66.551 99.751 and 2018, respectively)
Total 3.622.876 4.559.701 Total
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Kisaran suku bunga kontraktual tahunan Range of contractual annual interest ratesMata uang Rupiah 7,20% - 11,00% 8,00% - 11,75% Rupiah currency
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH424
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
54
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”) PT Bank Pan Indonesia Tbk (“Bank Panin”)
Berdasarkan Perjanjian Kredit No. 37 tanggal11 Juni 2013, Bank Panin setuju memberikanFasilitas Pinjaman Tetap III dan Fasilitas PinjamanRekening Koran dengan jumlah maksimum danayang disediakan masing-masing sebesarRp500.000 dan Rp50.000, yang digunakan sebagaimodal kerja pembiayaan konsumen dan cadanganmodal kerja. Tanggal jatuh tempo dari masing-masing pinjaman adalah 39 (tiga puluh sembilan)bulan dan 1 (satu) tahun sejak tanggalpenandatanganan perjanjian kredit dan telahberakhir pada tanggal 11 September 2016 untukFasilitas Pinjaman Tetap III dan berakhir padatanggal 11 Juni 2014 untuk Fasilitas PinjamanRekening Koran.
Based on the Credit Agreement No. 37 datedJune 11, 2013, Bank Panin agreed to provide aFixed Loan Facility III and Overdraft Loan Facilitywith maximum available fund amounting toRp500,000 and Rp50,000, respectively, which wasused as working capital for consumer financing andworking capital provisions. The maturity date ofeach loan is thirty nine (39) months and one (1)year from the signing date of credit agreement andhas expired on September 11, 2016 for Fixed LoanFacility III and on June 11, 2014 for Overdraft LoanFacility.
Perjanjian Kredit untuk Fasilitas Pinjaman RekeningKoran ini telah mengalami beberapa kaliperpanjangan, terakhir perpanjangan fasilitasberdasarkan perubahan terhadap Perjanjian Kreditdan Perjanjian Jaminan No. 002/IBD-PRK/LEG/19/Per.I tanggal 15 Juli 2019 yang akanjatuh tempo pada tanggal 28 Mei 2020.
Pinjaman ini dikenakan tingkat suku bunga sebesar11,50% per tahun.
The Agreement for the Overdraft Loan Facilty hasbeen extended several times, the latest extention ofthe facility based on the Credit Agreement andSecurity Agreement No. 002/IBD-PRK/LEG/19/Per.Idated July 15, 2019 which will mature on May 28,2020.
The loan bears interest rate at 11.50% per annum.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp50.000(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga, objekpembiayaan harus diasuransikan sertamempertahankan rasio utang terhadap ekuitas tidakmelebihi 10 kali, serta mempertahankan rasio NonPerforming Loan (“NPL”) diatas 90 (sembilan puluh)hari maksimal 3,50%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp50,000 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum Non Performing Loan (“NPL”) ratio aboveninety (90) days of 3.50%.
Berdasarkan Perjanjian Kredit No. 75 tanggal28 Mei 2014, Bank Panin setuju memberikanFasilitas Pinjaman Pasar Uang dengan jumlahmaksimum dana yang disediakan sebesarRp200.000 yang digunakan sebagai modal kerjapembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Pasar Uang adalah 1 (satu)tahun sejak tanggal penandatanganan perjanjiankredit.
Based on the Credit Agreement No. 75 datedMay 28, 2014, Bank Panin agreed to provide aMoney Market Loan Facility with maximum availablefund amounting to Rp200,000, which used asconsumer finance working capital. The loan’smaturity date is one (1) year from the signing date ofcredit agreement.
Perjanjian Kredit untuk Fasilitas Pinjaman PasarUang ini telah mengalami beberapa kaliperpanjangan, terakhir perpanjangan fasilitasberdasarkan perubahan terhadap Perjanjian Kreditdan Perjanjian Jaminan No. 002/IBD-MM/LEG/19/Per.I tanggal 15 Juli 2019 yang akanjatuh tempo pada tanggal 28 Mei 2020.
The Agreement for the Money Market Loan Facilityhas been extended several times, the latestextention of the facility based on in the CreditAgreement and Security Agreement No. 002/IBD-MM/LEG/19/Per.I dated July 15, 2019 which willmature on May 28, 2020.
Pinjaman ini dikenakan tingkat suku bunga yangakan ditetapkan pada saat penarikan.
The loan bears interest rate which will bedetermined upon withdrawal.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
425
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
54
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”) PT Bank Pan Indonesia Tbk (“Bank Panin”)
Berdasarkan Perjanjian Kredit No. 37 tanggal11 Juni 2013, Bank Panin setuju memberikanFasilitas Pinjaman Tetap III dan Fasilitas PinjamanRekening Koran dengan jumlah maksimum danayang disediakan masing-masing sebesarRp500.000 dan Rp50.000, yang digunakan sebagaimodal kerja pembiayaan konsumen dan cadanganmodal kerja. Tanggal jatuh tempo dari masing-masing pinjaman adalah 39 (tiga puluh sembilan)bulan dan 1 (satu) tahun sejak tanggalpenandatanganan perjanjian kredit dan telahberakhir pada tanggal 11 September 2016 untukFasilitas Pinjaman Tetap III dan berakhir padatanggal 11 Juni 2014 untuk Fasilitas PinjamanRekening Koran.
Based on the Credit Agreement No. 37 datedJune 11, 2013, Bank Panin agreed to provide aFixed Loan Facility III and Overdraft Loan Facilitywith maximum available fund amounting toRp500,000 and Rp50,000, respectively, which wasused as working capital for consumer financing andworking capital provisions. The maturity date ofeach loan is thirty nine (39) months and one (1)year from the signing date of credit agreement andhas expired on September 11, 2016 for Fixed LoanFacility III and on June 11, 2014 for Overdraft LoanFacility.
Perjanjian Kredit untuk Fasilitas Pinjaman RekeningKoran ini telah mengalami beberapa kaliperpanjangan, terakhir perpanjangan fasilitasberdasarkan perubahan terhadap Perjanjian Kreditdan Perjanjian Jaminan No. 002/IBD-PRK/LEG/19/Per.I tanggal 15 Juli 2019 yang akanjatuh tempo pada tanggal 28 Mei 2020.
Pinjaman ini dikenakan tingkat suku bunga sebesar11,50% per tahun.
The Agreement for the Overdraft Loan Facilty hasbeen extended several times, the latest extention ofthe facility based on the Credit Agreement andSecurity Agreement No. 002/IBD-PRK/LEG/19/Per.Idated July 15, 2019 which will mature on May 28,2020.
The loan bears interest rate at 11.50% per annum.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp50.000(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga, objekpembiayaan harus diasuransikan sertamempertahankan rasio utang terhadap ekuitas tidakmelebihi 10 kali, serta mempertahankan rasio NonPerforming Loan (“NPL”) diatas 90 (sembilan puluh)hari maksimal 3,50%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp50,000 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum Non Performing Loan (“NPL”) ratio aboveninety (90) days of 3.50%.
Berdasarkan Perjanjian Kredit No. 75 tanggal28 Mei 2014, Bank Panin setuju memberikanFasilitas Pinjaman Pasar Uang dengan jumlahmaksimum dana yang disediakan sebesarRp200.000 yang digunakan sebagai modal kerjapembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Pasar Uang adalah 1 (satu)tahun sejak tanggal penandatanganan perjanjiankredit.
Based on the Credit Agreement No. 75 datedMay 28, 2014, Bank Panin agreed to provide aMoney Market Loan Facility with maximum availablefund amounting to Rp200,000, which used asconsumer finance working capital. The loan’smaturity date is one (1) year from the signing date ofcredit agreement.
Perjanjian Kredit untuk Fasilitas Pinjaman PasarUang ini telah mengalami beberapa kaliperpanjangan, terakhir perpanjangan fasilitasberdasarkan perubahan terhadap Perjanjian Kreditdan Perjanjian Jaminan No. 002/IBD-MM/LEG/19/Per.I tanggal 15 Juli 2019 yang akanjatuh tempo pada tanggal 28 Mei 2020.
The Agreement for the Money Market Loan Facilityhas been extended several times, the latestextention of the facility based on in the CreditAgreement and Security Agreement No. 002/IBD-MM/LEG/19/Per.I dated July 15, 2019 which willmature on May 28, 2020.
Pinjaman ini dikenakan tingkat suku bunga yangakan ditetapkan pada saat penarikan.
The loan bears interest rate which will bedetermined upon withdrawal.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
55
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Perjanjian ini dijamin dengan jaminan fidusia ataspiutang pembiayaan konsumen bersih minimalsebesar 60,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp120.000(Catatan 5), tidak dalam keadaan dijaminkan kepadapihak ketiga manapun juga serta objek pembiayaanharus diasuransikan serta mempertahankan rasioutang terhadap ekuitas tidak melebihi 10 kali.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at60.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp120,000 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance and maintainmaximum debt to equity ratio of 10 times.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 59 tanggal 26 Februari 2015, BankPanin setuju memberikan Fasilitas PinjamanTetap VII dengan jumlah maksimum dana yangdisediakan sebesar Rp500.000 yang digunakansebagai modal kerja pembiayaan konsumen.Tanggal jatuh tempo Fasilitas Pinjaman Tetap VIIadalah 39 (tiga puluh sembilan) bulan sejak tanggalpenandatanganan perjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 59 dated February 26, 2015, BankPanin agreed to provide a Fixed Loan Facility VIIwith maximum available fund amounting toRp500,000, which used as consumer financeworking capital. The loan’s maturity date is thirtynine (39) months from the signing date of creditagreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar11,75% per tahun, yang berlaku tetap selamajangka waktu Pinjaman Tetap VII.
The loan bears interest rate at 11.75% per annum,which remain valid for a period of Fixed Loan VII.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari, tidak dalam keadaandijaminkan kepada pihak ketiga manapun juga sertaobjek pembiayaan harus diasuransikan,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 10 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 3,50%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days, not secured to any third party and also theobject of financing should be covered by insurance,maintain maximum debt to equity ratio of 10 times,and maintain maximum NPL ratio above ninety (90)days of 3.50%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 10 Juli 2018.
The loan matured and fully paid on July 10, 2018.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 19 tanggal 6 November 2015, BankPanin setuju memberikan Fasilitas PinjamanTetap VIII dengan jumlah maksimum dana yangdisediakan sebesar Rp800.000 yang digunakansebagai modal kerja pembiayaan konsumen.Tanggal jatuh tempo Fasilitas Pinjaman Tetap VIIIadalah 39 (tiga puluh sembilan) bulan sejak tanggalpenandatanganan perjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 19 dated November 6, 2015, BankPanin agreed to provide a Fixed Loan Facility VIIIwith maximum available fund amounting toRp800,000, which used as consumer financeworking capital. The loan’s maturity date is thirtynine (39) months from the signing date of creditagreement.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH426
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
56
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Pinjaman ini dikenakan tingkat suku bunga sebesar11,25% per tahun untuk jangka waktu pinjamanselama 2 (dua) tahun dan 11,75% per tahun untukjangka waktu pinjaman selama 3 (tiga) tahun yangberlaku tetap selama jangka waktu Pinjaman TetapVIII. Perjanjian tersebut dijamin dengan jaminanfidusia atas piutang pembiayaan konsumen bersihminimal sebesar 100,00% dari total pokok pinjamandengan kategori piutang yang tidak memilikitunggakan lebih dari 90 (sembilan puluh) hari, tidakdalam keadaan dijaminkan kepada pihak ketigamanapun juga serta objek pembiayaan harusdiasuransikan, mempertahankan rasio utangterhadap ekuitas tidak melebihi 10 kali, sertamempertahankan rasio NPL diatas 90 (sembilanpuluh) hari maksimal 3,50%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 10 Desember 2018.
The loan bears interest rate at 11.25% per annumduring the loan period for two (2) years and 11.75%per annum during the loan period of three (3) years,which remain valid for a period of Fixed Loan VIII.The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days, not secured to any third party and also theobject of financing should be covered by insurance,maintain maximum debt to equity ratio of 10 times,and maintain maximum NPL ratio above ninety (90)days of 3.50%.
The loan matured and fully paid on December 10,2018.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 53 tanggal 13 April 2016, Bank Paninsetuju memberikan Fasilitas Pinjaman Tetap IXdengan jumlah maksimum dana yang disediakansebesar Rp600.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap IX adalah 39 (tiga puluhsembilan) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 53 dated April 13, 2016, Bank Paninagreed to provide a Fixed Loan Facility IX withmaximum available fund amounting to Rp600,000,which used as consumer finance working capital.The loan’s maturity date is thirty nine (39) monthsfrom the signing date of credit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar10,50% per tahun untuk jangka waktu pinjamanselama 2 (dua) tahun dan 11,00% per tahun untukjangka waktu pinjaman selama 3 (tiga) tahun yangberlaku tetap selama jangka waktu PinjamanTetap IX.
The loan bears interest rate at 10.50% per annumduring the loan period for two (2) years and 11.00%per annum during the loan period of three (3) years,which remain valid for a period of Fixed Loan IX.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 80,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari, tidak dalam keadaandijaminkan kepada pihak ketiga manapun juga sertaobjek pembiayaan harus diasuransikan,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 10 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 3,50%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at80.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days, not secured to any third party and also theobject of financing should be covered by insurance,maintain maximum debt to equity ratio of 10 times,and maintain maximum NPL ratio above ninety (90)days of 3.50%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 15 Agustus 2018.
The loan matured and fully paid on August 15, 2018.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
427
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
56
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Pinjaman ini dikenakan tingkat suku bunga sebesar11,25% per tahun untuk jangka waktu pinjamanselama 2 (dua) tahun dan 11,75% per tahun untukjangka waktu pinjaman selama 3 (tiga) tahun yangberlaku tetap selama jangka waktu Pinjaman TetapVIII. Perjanjian tersebut dijamin dengan jaminanfidusia atas piutang pembiayaan konsumen bersihminimal sebesar 100,00% dari total pokok pinjamandengan kategori piutang yang tidak memilikitunggakan lebih dari 90 (sembilan puluh) hari, tidakdalam keadaan dijaminkan kepada pihak ketigamanapun juga serta objek pembiayaan harusdiasuransikan, mempertahankan rasio utangterhadap ekuitas tidak melebihi 10 kali, sertamempertahankan rasio NPL diatas 90 (sembilanpuluh) hari maksimal 3,50%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 10 Desember 2018.
The loan bears interest rate at 11.25% per annumduring the loan period for two (2) years and 11.75%per annum during the loan period of three (3) years,which remain valid for a period of Fixed Loan VIII.The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days, not secured to any third party and also theobject of financing should be covered by insurance,maintain maximum debt to equity ratio of 10 times,and maintain maximum NPL ratio above ninety (90)days of 3.50%.
The loan matured and fully paid on December 10,2018.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 53 tanggal 13 April 2016, Bank Paninsetuju memberikan Fasilitas Pinjaman Tetap IXdengan jumlah maksimum dana yang disediakansebesar Rp600.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap IX adalah 39 (tiga puluhsembilan) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 53 dated April 13, 2016, Bank Paninagreed to provide a Fixed Loan Facility IX withmaximum available fund amounting to Rp600,000,which used as consumer finance working capital.The loan’s maturity date is thirty nine (39) monthsfrom the signing date of credit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar10,50% per tahun untuk jangka waktu pinjamanselama 2 (dua) tahun dan 11,00% per tahun untukjangka waktu pinjaman selama 3 (tiga) tahun yangberlaku tetap selama jangka waktu PinjamanTetap IX.
The loan bears interest rate at 10.50% per annumduring the loan period for two (2) years and 11.00%per annum during the loan period of three (3) years,which remain valid for a period of Fixed Loan IX.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 80,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari, tidak dalam keadaandijaminkan kepada pihak ketiga manapun juga sertaobjek pembiayaan harus diasuransikan,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 10 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 3,50%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at80.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days, not secured to any third party and also theobject of financing should be covered by insurance,maintain maximum debt to equity ratio of 10 times,and maintain maximum NPL ratio above ninety (90)days of 3.50%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 15 Agustus 2018.
The loan matured and fully paid on August 15, 2018.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
57
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 86 tanggal 28 Oktober 2016, BankPanin setuju memberikan Fasilitas PinjamanTetap X dengan jumlah maksimum dana yangdisediakan sebesar Rp1.000.000 yang digunakansebagai modal kerja pembiayaan konsumen.Tanggal jatuh tempo Fasilitas Pinjaman Tetap Xadalah 39 (tiga puluh sembilan) bulan sejak tanggalpenandatanganan perjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 86 dated October 28, 2016, BankPanin agreed to provide a Fixed Loan Facility X withmaximum available fund amounting to Rp1,000,000,which used as consumer finance working capital.The loan’s maturity date is thirty nine (39) monthsfrom the signing date of credit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,60% per tahun untuk jangka waktu pinjamanselama 2 (dua) tahun dan 9,85% per tahun untukjangka waktu pinjaman selama 3 (tiga) tahun yangberlaku tetap selama jangka waktu PinjamanTetap X.
The loan bears interest rate at 9.60% per annumduring the loan period for two (2) years and 9.85%per annum during the loan period of three (3) years,which remain valid for a period of Fixed Loan X.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 80,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp6.667(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan, mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta mempertahankan rasio NPL diatas 90(sembilan puluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at80.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp6,667 (Note 5), not secured toany third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Berdasarkan Perjanjian Kredit No. 88 tanggal20 Juni 2017, Bank Panin setuju memberikanFasilitas Pinjaman Tetap XI dengan jumlahmaksimum dana yang disediakan sebesarRp500.000 yang digunakan sebagai modal kerjapembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap XI adalah 21 (dua puluhsatu) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement No. 88 dated June20, 2017, Bank Panin agreed to provide a FixedLoan Facility XI with maximum available fundamounting to Rp500,000, which used as consumerfinance working capital. The loan’s maturity date istwenty one (21) months from the signing date ofcredit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,88% per tahun untuk jangka waktu pinjamanselama 1 (satu) tahun dan 6 (enam) bulan yangberlaku tetap selama jangka waktu PinjamanTetap XI.
The loan bears interest rate at 9.88% per annumduring the loan period for one (1) year and six (6)months, which remain valid for a period of FixedLoan XI.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari, tidak dalam keadaandijaminkan kepada pihak ketiga manapun juga sertaobjek pembiayaan harus diasuransikan,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 10 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 4,00%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 21 Desember 2018.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days, not secured to any third party and also theobject of financing should be covered by insurance,maintain maximum debt to equity ratio of 10 times,and maintain maximum NPL ratio above ninety (90)days of 4.00%.
The loan matured and fully paid on December 21,2018.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH428
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
58
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 82 tanggal 21 November 2017, BankPanin setuju memberikan Fasilitas Pinjaman TetapXII dengan jumlah maksimum dana yang disediakansebesar Rp800.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap XII adalah 27 (dua puluhtujuh) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 82 dated November 21, 2017, BankPanin agreed to provide a Fixed Loan Facility XIIwith maximum available fund amounting toRp800,000, which used as consumer financeworking capital. The loan’s maturity date is twentyseven (27) months from the signing date of creditagreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,75% per tahun untuk jangka waktu pinjamanselama 2 (dua) tahun yang berlaku tetap selamajangka waktu Pinjaman Tetap XII.
The loan bears interest rate at 8.75% per annumduring the loan period for two (2) years, whichremain valid for a period of Fixed Loan XII.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp11.250(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan, mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta mempertahankan rasio NPL diatas 90(sembilan puluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp11,250 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 32 tanggal 22 Maret 2018, Bank Paninsetuju memberikan Fasilitas Pinjaman Tetap XIIIdengan jumlah maksimum dana yang disediakansebesar Rp500.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap XIII adalah 27 (dua puluhtujuh) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 32 dated March 22, 2018, BankPanin agreed to provide a Fixed Loan Facility XIIIwith maximum available fund amounting toRp500,000, which used as consumer financeworking capital. The loan’s maturity date is twentyseven (27) months from the signing date of creditagreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,00% per tahun untuk jangka waktu pinjamanselama 18 (delapan belas) bulan dan 8,25% pertahun untuk jangka waktu pinjaman selama 24 (duapuluh empat) bulan yang berlaku tetap selamajangka waktu Pinjaman Tetap XIII.
The loan bears interest rate at 8.00% per annumduring the loan period for eighteen (18) months and8.25% per annum during the loan period for twentyfour (24) months, which remain valid for a period ofFixed Loan XIII.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp28.125(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan, mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta mempertahankan rasio NPL diatas 90(sembilan puluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp28,125 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
429
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
58
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 82 tanggal 21 November 2017, BankPanin setuju memberikan Fasilitas Pinjaman TetapXII dengan jumlah maksimum dana yang disediakansebesar Rp800.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap XII adalah 27 (dua puluhtujuh) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 82 dated November 21, 2017, BankPanin agreed to provide a Fixed Loan Facility XIIwith maximum available fund amounting toRp800,000, which used as consumer financeworking capital. The loan’s maturity date is twentyseven (27) months from the signing date of creditagreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,75% per tahun untuk jangka waktu pinjamanselama 2 (dua) tahun yang berlaku tetap selamajangka waktu Pinjaman Tetap XII.
The loan bears interest rate at 8.75% per annumduring the loan period for two (2) years, whichremain valid for a period of Fixed Loan XII.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp11.250(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan, mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta mempertahankan rasio NPL diatas 90(sembilan puluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp11,250 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 32 tanggal 22 Maret 2018, Bank Paninsetuju memberikan Fasilitas Pinjaman Tetap XIIIdengan jumlah maksimum dana yang disediakansebesar Rp500.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap XIII adalah 27 (dua puluhtujuh) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 32 dated March 22, 2018, BankPanin agreed to provide a Fixed Loan Facility XIIIwith maximum available fund amounting toRp500,000, which used as consumer financeworking capital. The loan’s maturity date is twentyseven (27) months from the signing date of creditagreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,00% per tahun untuk jangka waktu pinjamanselama 18 (delapan belas) bulan dan 8,25% pertahun untuk jangka waktu pinjaman selama 24 (duapuluh empat) bulan yang berlaku tetap selamajangka waktu Pinjaman Tetap XIII.
The loan bears interest rate at 8.00% per annumduring the loan period for eighteen (18) months and8.25% per annum during the loan period for twentyfour (24) months, which remain valid for a period ofFixed Loan XIII.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp28.125(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan, mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta mempertahankan rasio NPL diatas 90(sembilan puluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp28,125 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
59
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 13 tanggal 6 Juni 2018, Bank Paninsetuju memberikan Fasilitas Pinjaman Tetap XIVdengan jumlah maksimum dana yang disediakansebesar Rp600.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap XIV adalah 27 (dua puluhtujuh) bulan sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 13 dated June 6, 2018, Bank Paninagreed to provide a Fixed Loan Facility XIV withmaximum available fund amounting to Rp600,000,which used as consumer finance working capital.The loan’s maturity date is twenty seven (27)months from the signing date of credit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,50% per tahun untuk jangka waktu pinjamanselama 18 (delapan belas) bulan dan 8,75% pertahun untuk jangka waktu pinjaman selama 24 (duapuluh empat) bulan yang berlaku tetap selamajangka waktu Pinjaman Tetap XIV.
The loan bears interest rate at 8.50% per annumduring the loan period for eighteen (18) months and8.75% per annum during the loan period for twentyfour (24) months, which remain valid for a period ofFixed Loan XIV.
Berdasarkan Surat No. 295/IBD/EXT/18 tanggal29 Juni 2018, Bank Panin menyesuaikan kondisitingkat suku bunga Fasilitas Pinjaman Tetap XIV,dimana suku bunga sebesar 9,00% untuk jangkawaktu pinjaman selama 18 (delapan belas) bulandan 9,25% untuk jangka waktu pinjaman selama 24(dua puluh empat) bulan yang berlaku tetap selamajangka waktu Pinjaman Tetap XIV.
Based on Letter No. 295/IBD/EXT/18 dated June 29,2018, Bank Panin adjust the condition of Fixed LoanFacility XIV interest rate, the interest rate 9.00%during the loan period for eighteen (18) months and9.25% during the loan period for twenty four (24)months, which remain valid for a period of FixedLoan XIV.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp82.500(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan, mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta mempertahankan rasio NPL diatas 90(sembilan puluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp82,500 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 9 tanggal 9 November 2018, BankPanin setuju memberikan Fasilitas Pinjaman TetapXV dengan jumlah maksimum dana yang disediakansebesar Rp800.000 yang digunakan sebagai modalkerja pembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Tetap XV adalah 39 (tiga puluhsembilan) bulan sejak tanggal penandatanganperjanjian kredit.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,25% per tahun untuk jangka waktu pinjamanselama 18 (delapan belas) bulan dan 9,50% pertahun untuk jangka waktu pinjaman selama 24 (duapuluh empat) bulan, dan 10,00% per tahun untukjangka waktu pinjaman selama 36 (tiga puluh enam)bulan yang berlaku tetap selama jangka waktuPinjaman Tetap XV.
Based on the Credit Agreement and SecurityAgreement No. 9 dated November 9, 2018, BankPanin agreed to provide a Fixed Loan Facility XVwith maximum available fund amounting toRp800,000, which used as consumer financeworking capital. The loan’s maturity date is thirtynine (39) months from the signing date of creditagreement.
The loan bears interest rate at 9.25% per annumduring the loan period for eighteen (18) months and9.50% per annum during the loan period for twentyfour (24) months, and 10.00% per annum during theloan period for thirty six (36) months, which remainvalid for a period of Fixed Loan XV.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH430
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
60
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 30 (tiga puluh) hari sebesar Rp465.001(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta rasio NPL di atas 90 (sembilan puluh) harimaksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days amounting to Rp465,001 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 8 tanggal 10 September 2019, BankPanin setuju memberikan Fasilitas Pinjaman TetapXVI dengan jumlah maksimum dana yangdisediakan sebesar Rp800.000 yang digunakansebagai modal kerja pembiayaan konsumen.Tanggal jatuh tempo Fasilitas Pinjaman Tetap XVIadalah 27 (dua puluh tujuh) bulan sejak tanggalpenandatangan perjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 8 dated September 10, 2019, BankPanin Agreed to provide a Fixed Loan Facility XVIwith maximum available fund amounting toRp800,000, which used as consumer financeworking capital. The loan’s maturity date is twentyseven (27) months from the signing date of creditagreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,75% per tahun untuk jangka waktu pinjamanselama 18 (delapan belas) bulan dan 9,00% pertahun untuk jangka waktu pinjaman selama 24 (duapuluh empat) bulan yang berlaku tetap selamajangka waktu Pinjaman Tetap XVI.
The loan bears interest rate at 8.75% per annumduring the loan period for eighteen (18) months and9.00% per annum during the loan period for twentyfour (24) months, which remain valid for a period ofFixed Loan XVI.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 30 (tiga puluh) hari sebesar Rp281.250(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta rasio NPL di atas 90 (sembilan puluh) harimaksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days amounting to Rp281,250 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Pada tanggal 31 Desember 2019, Perusahaanmasih memiliki fasilitas pinjaman yang belumdigunakan dari Bank Panin sebesar Rp50.000 untukFasilitas Pinjaman Rekening Koran dan FasilitasPinjaman Pasar Uang dan Rp450.000 untukFasilitas Pinjaman Tetap XVI.
As of December 31, 2019, the Company still has theunused loan facility from Bank Panin amounting toRp50,000 for Overdraft Loan Facility and MoneyMarket Loan Facility and amounting to Rp450,000for Fixed Loan Facility XVI.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan melakukanpembayaran angsuran utang bank kepada BankPanin masing-masing sebesar Rp1.883.333 danRp2.498.674.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to BankPanin amounting to Rp1,883,333 and Rp2,498,674,respectively.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
431
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
60
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(lanjutan)
PT Bank Pan Indonesia Tbk (“Bank Panin”)(continued)
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 30 (tiga puluh) hari sebesar Rp465.001(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta rasio NPL di atas 90 (sembilan puluh) harimaksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days amounting to Rp465,001 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Berdasarkan Perjanjian Kredit dan PerjanjianJaminan No. 8 tanggal 10 September 2019, BankPanin setuju memberikan Fasilitas Pinjaman TetapXVI dengan jumlah maksimum dana yangdisediakan sebesar Rp800.000 yang digunakansebagai modal kerja pembiayaan konsumen.Tanggal jatuh tempo Fasilitas Pinjaman Tetap XVIadalah 27 (dua puluh tujuh) bulan sejak tanggalpenandatangan perjanjian kredit.
Based on the Credit Agreement and SecurityAgreement No. 8 dated September 10, 2019, BankPanin Agreed to provide a Fixed Loan Facility XVIwith maximum available fund amounting toRp800,000, which used as consumer financeworking capital. The loan’s maturity date is twentyseven (27) months from the signing date of creditagreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,75% per tahun untuk jangka waktu pinjamanselama 18 (delapan belas) bulan dan 9,00% pertahun untuk jangka waktu pinjaman selama 24 (duapuluh empat) bulan yang berlaku tetap selamajangka waktu Pinjaman Tetap XVI.
The loan bears interest rate at 8.75% per annumduring the loan period for eighteen (18) months and9.00% per annum during the loan period for twentyfour (24) months, which remain valid for a period ofFixed Loan XVI.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 90,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 30 (tiga puluh) hari sebesar Rp281.250(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta rasio NPL di atas 90 (sembilan puluh) harimaksimal 4,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at90.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days amounting to Rp281,250 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Pada tanggal 31 Desember 2019, Perusahaanmasih memiliki fasilitas pinjaman yang belumdigunakan dari Bank Panin sebesar Rp50.000 untukFasilitas Pinjaman Rekening Koran dan FasilitasPinjaman Pasar Uang dan Rp450.000 untukFasilitas Pinjaman Tetap XVI.
As of December 31, 2019, the Company still has theunused loan facility from Bank Panin amounting toRp50,000 for Overdraft Loan Facility and MoneyMarket Loan Facility and amounting to Rp450,000for Fixed Loan Facility XVI.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan melakukanpembayaran angsuran utang bank kepada BankPanin masing-masing sebesar Rp1.883.333 danRp2.498.674.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to BankPanin amounting to Rp1,883,333 and Rp2,498,674,respectively.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
61
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Central Asia Tbk (“BCA”) PT Bank Central Asia Tbk (“BCA”)
Berdasarkan Perjanjian Kredit No. 194 tanggal20 Oktober 2010, BCA setuju untuk memberikanFasilitas Kredit dalam bentuk Kredit Lokal (RekeningKoran) dengan jumlah maksimum dana yangdisediakan sebesar Rp25.000 untuk keperluanmodal kerja pembiayaan piutang usaha kendaraanroda dua.
Based on the Credit Agreement No. 194 datedOctober 20, 2010, BCA agreed to provide CreditFacility in the form of Local Credit (Current Account)with maximum available fund amounting toRp25,000, which were used as motor vehiclefinancing.
Pinjaman ini dikenakan tingkat suku bunga sebesar10,75% per tahun. Perjanjian tersebut dijamindengan jaminan fidusia atas piutang pembiayaankonsumen Perusahaan minimal sebesar 110,00%dari total pokok pinjaman dengan kategori piutangyang tidak memiliki tunggakan lebih dari 60 (enampuluh) hari sebesar Rp27.500 (Catatan 5),mengharuskan Perusahaan untukmempertahankan Gearing Ratio tidak melebihi10 kali, serta mempertahankan rasio NPL diatas 60(enam puluh) hari maksimal 5,00%.
The loans bears interest rate at 10.75% per annum.The agreement was secured by fiduciary transfer ofthe Company’s receivables from customers at110.00% of the total amount of the outstanding loanwith category day past due not over than sixty (60)days amounting to Rp27,500 (Note 5) and requiresthe Company to maintain maximum Gearing Ratioof 10 times, and maintain maximum NPL ratio abovesixty (60) days of 5.00%.
Perjanjian Kredit untuk Fasilitas Kredit Lokal(Rekening Koran) ini telah mengalami beberapa kaliperpanjangan, terakhir perpanjangan fasilitasberdasarkan Perjanjian Kredit No. 33 tanggal15 Juli 2014, Perusahaan kembali mendapatkanperpanjangan atas fasilitas Kredit Lokal (RekeningKoran) yang telah jatuh tempo pada tanggal20 Oktober 2015 serta penambahan fasilitas kreditberupa Fasilitas Installment Loan (“FasilitasInstallment Loan 3”) dengan jumlah maksimum danayang disediakan adalah sebesar Rp300.000 yangakan jatuh tempo maksimum 3 (tiga) tahun sejaktanggal setiap penarikan yang terkait.
The Agreement for the Local Credit (CurrentAccount) Facility has been extended several times,the latest extention of the facility based on the CreditAgreement No. 33 dated July 15, 2014, theCompany has secured facilities to extend the LocalCredit Facilities (Current Account) which wasmature on October 20, 2015 and increase the creditfacility in the form of Installment Loan Facilty(“Installment Loan Facility 3”) with maximumavailable fund amounting to Rp300,000 with amaximum maturity of three (3) years from the dateof any related withdrawal.
Perjanjian atas Fasilitas Kredit Lokal (RekeningKoran) dijamin dengan jaminan fidusia atas piutangpembiayaan konsumen bersih minimal sebesar110,00% dari total pokok pinjaman dengan kategoripiutang yang tidak memiliki tunggakan lebih dari30 (tiga puluh) hari (Catatan 5), tidak dalam keadaandijaminkan kepada pihak ketiga manapun sertamengharuskan Perusahaan untuk mempertahankanGearing Ratio tidak melebihi 8 kali.
The agreement for the Local (Current Account)Facility Credit is secured by fiduciary transfer of theCompany’s net receivables from customers at110.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days (Note 5), not secured to any third party andrequires the Company to maintain maximumGearing Ratio of 8 times.
Perjanjian atas Fasilitas Installment Loan (“FasilitasInstallment Loan 3”) tersebut dijamin denganjaminan fidusia atas piutang pembiayaan konsumenPerusahaan minimal sebesar 100,00% dari totalpokok pinjaman dengan kategori piutang yang tidakmemiliki tunggakan lebih dari 30 (tiga puluh) hari(Catatan 5) serta mengharuskan Perusahaan untukmempertahankan Gearing Ratio tidak melebihi 8kali.
The agreement for Installment Loan Facility(“Installment Loan Facility 3”) was secured byfiduciary transfer of the Company’s receivables fromcustomers at 100.00% of the total amount of theoutstanding loan with category day past due notover than thirty (30) days (Note 5) and requires theCompany to maintain maximum Gearing Ratio of 8times.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH432
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
62
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Central Asia Tbk (“BCA”) (lanjutan) PT Bank Central Asia Tbk (“BCA”) (continued)
Perjanjian Kredit untuk Fasilitas Kredit Lokal(Rekening Koran) ini telah mengalami beberapa kalipenyesuaian kondisi tingkat suku bunga, terakhirpenyesuaian fasilitas berdasarkan Surat No.40532/GBK/2017 tanggal 5 Oktober 2017, BCAkembali menyesuaikan kondisi tingkat suku bungaFasilitas Pinjaman Kredit Lokal (Rekening Koran)menjadi sebesar 10,25%. Kondisi tingkat sukubunga tersebut berlaku efektif sejak tanggal9 Oktober 2017.
The Agreement for the Local Credit (CurrentAccount) Facility has been adjusted the interest ratefor several times, the latest adjustment of the facilitybased on the Letter No. 40532/GBK/2017 datedOctober 5, 2017, BCA readjusts the interest rateconditions Local Credit Facilities (Current Account)amounting to 10.25%. Interest rate conditions iseffective from October 9, 2017.
Perjanjian Kredit untuk Fasilitas Kredit Lokal(Rekening Koran) ini telah mengalami beberapa kaliperpanjangan, terakhir perpanjangan fasilitasberdasarkan Perjanjian Kredit No. 143 tanggal27 Oktober 2016, Perusahaan kembalimendapatkan perpanjangan atas fasilitas KreditLokal (Rekening Koran) yang telah jatuh tempopada tanggal 20 Oktober 2016 serta penambahanfasilitas kredit berupa Fasilitas Installment Loan(“Fasilitas Installment Loan 4”) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp500.000 yang akan jatuh tempo maksimum 3(tiga) tahun sejak tanggal setiap penarikan yangterkait. Kedua pinjaman ini dikenakan tingkat sukubunga yang akan ditentukan pada saat penarikan.
The Agreement for the Local Credit (CurrentAccount) Facility has been extended several times,the latest extention of the facility based on the CreditAgreement No. 143 dated October 27, 2016, theCompany has secured facilities to extend the LocalCredit Facilities (Current Account) which wasmature on October 20, 2016 and increase the creditfacility in the form of Installment Loan Facilty(“Installment Loan Facility 4”) with maximumavailable fund amounting to Rp500,000 with amaximum maturity of three (3) years from the dateof any related withdrawal. Both loan facilities bearinterest rate which will be determined uponwithdrawal.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 30 (tiga puluh) hari (Catatan 5), tidak dalamkeadaan dijaminkan kepada pihak ketiga manapun,mengharuskan Perusahaan untuk mempertahankanGearing Ratio tidak melebihi 8 kali, sertamempertahankan rasio NPL diatas 60 (enam puluh)hari maksimal 5,00%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days (Note 5), not secured to any third party,requires the Company to maintain maximumGearing Ratio of 8 times, and maintain maximumNPL ratio above sixty (60) days of 5.00%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 5 Desember 2019.
The loan has matured and fully paid on December5, 2019.
Pada tanggal 14 November 2017, Perusahaan telahmendapatkan penambahan fasilitas berdasarkanPerjanjian Kredit No. 35 dimana BCA setuju untukmemperpanjang Fasilitas Kredit Lokal (RekeningKoran) yang telah jatuh tempo pada tanggal 20Oktober 2017 serta penambahan fasilitas kreditberupa Fasilitas Installment Loan (“FasilitasInstallment Loan 5”) dengan jumlah maksimum danayang disediakan adalah sebesar Rp350.000 yangakan jatuh tempo maksimum 2 (dua) tahun sejaktanggal setiap penarikan yang terkait. Keduapinjaman ini dikenakan tingkat suku bunga yangakan ditentukan pada saat penarikan.
On November 14, 2017, the Company has securedadditional facilities under the First Amendment ofCredit Agreement No. 35 where BCA agreed toextend the Local Credit (Current Account) Facilitywhich has matured on October 20, 2017 andincreased the credit facility in the form of InstallmentLoan Facility (“Installment Loan Facility 5”) withmaximum available fund amounting to Rp350,000with a maximum maturity of two (2) years from thedate of any related withdrawal. Both loan facilitiesbear interest rate which will be determined uponwithdrawal.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
433
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
62
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Central Asia Tbk (“BCA”) (lanjutan) PT Bank Central Asia Tbk (“BCA”) (continued)
Perjanjian Kredit untuk Fasilitas Kredit Lokal(Rekening Koran) ini telah mengalami beberapa kalipenyesuaian kondisi tingkat suku bunga, terakhirpenyesuaian fasilitas berdasarkan Surat No.40532/GBK/2017 tanggal 5 Oktober 2017, BCAkembali menyesuaikan kondisi tingkat suku bungaFasilitas Pinjaman Kredit Lokal (Rekening Koran)menjadi sebesar 10,25%. Kondisi tingkat sukubunga tersebut berlaku efektif sejak tanggal9 Oktober 2017.
The Agreement for the Local Credit (CurrentAccount) Facility has been adjusted the interest ratefor several times, the latest adjustment of the facilitybased on the Letter No. 40532/GBK/2017 datedOctober 5, 2017, BCA readjusts the interest rateconditions Local Credit Facilities (Current Account)amounting to 10.25%. Interest rate conditions iseffective from October 9, 2017.
Perjanjian Kredit untuk Fasilitas Kredit Lokal(Rekening Koran) ini telah mengalami beberapa kaliperpanjangan, terakhir perpanjangan fasilitasberdasarkan Perjanjian Kredit No. 143 tanggal27 Oktober 2016, Perusahaan kembalimendapatkan perpanjangan atas fasilitas KreditLokal (Rekening Koran) yang telah jatuh tempopada tanggal 20 Oktober 2016 serta penambahanfasilitas kredit berupa Fasilitas Installment Loan(“Fasilitas Installment Loan 4”) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp500.000 yang akan jatuh tempo maksimum 3(tiga) tahun sejak tanggal setiap penarikan yangterkait. Kedua pinjaman ini dikenakan tingkat sukubunga yang akan ditentukan pada saat penarikan.
The Agreement for the Local Credit (CurrentAccount) Facility has been extended several times,the latest extention of the facility based on the CreditAgreement No. 143 dated October 27, 2016, theCompany has secured facilities to extend the LocalCredit Facilities (Current Account) which wasmature on October 20, 2016 and increase the creditfacility in the form of Installment Loan Facilty(“Installment Loan Facility 4”) with maximumavailable fund amounting to Rp500,000 with amaximum maturity of three (3) years from the dateof any related withdrawal. Both loan facilities bearinterest rate which will be determined uponwithdrawal.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 30 (tiga puluh) hari (Catatan 5), tidak dalamkeadaan dijaminkan kepada pihak ketiga manapun,mengharuskan Perusahaan untuk mempertahankanGearing Ratio tidak melebihi 8 kali, sertamempertahankan rasio NPL diatas 60 (enam puluh)hari maksimal 5,00%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days (Note 5), not secured to any third party,requires the Company to maintain maximumGearing Ratio of 8 times, and maintain maximumNPL ratio above sixty (60) days of 5.00%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 5 Desember 2019.
The loan has matured and fully paid on December5, 2019.
Pada tanggal 14 November 2017, Perusahaan telahmendapatkan penambahan fasilitas berdasarkanPerjanjian Kredit No. 35 dimana BCA setuju untukmemperpanjang Fasilitas Kredit Lokal (RekeningKoran) yang telah jatuh tempo pada tanggal 20Oktober 2017 serta penambahan fasilitas kreditberupa Fasilitas Installment Loan (“FasilitasInstallment Loan 5”) dengan jumlah maksimum danayang disediakan adalah sebesar Rp350.000 yangakan jatuh tempo maksimum 2 (dua) tahun sejaktanggal setiap penarikan yang terkait. Keduapinjaman ini dikenakan tingkat suku bunga yangakan ditentukan pada saat penarikan.
On November 14, 2017, the Company has securedadditional facilities under the First Amendment ofCredit Agreement No. 35 where BCA agreed toextend the Local Credit (Current Account) Facilitywhich has matured on October 20, 2017 andincreased the credit facility in the form of InstallmentLoan Facility (“Installment Loan Facility 5”) withmaximum available fund amounting to Rp350,000with a maximum maturity of two (2) years from thedate of any related withdrawal. Both loan facilitiesbear interest rate which will be determined uponwithdrawal.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
63
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Central Asia Tbk (“BCA”) (lanjutan) PT Bank Central Asia Tbk (“BCA”) (continued)
Perjanjian atas Fasilitas Kredit Lokal (RekeningKoran) dijamin dengan jaminan fidusia atas piutangpembiayaan konsumen bersih minimal sebesar110,00% dari total pokok pinjaman dengan kategoripiutang yang tidak memiliki tunggakan lebih dari30 (tiga puluh) hari (Catatan 5), tidak dalam keadaandijaminkan kepada pihak ketiga manapun sertamengharuskan Perusahaan untuk mempertahankanGearing Ratio tidak melebihi 8 kali.
The agreement for the Local Credit (CurrentAccount) Facility is secured by fiduciary transfer ofthe Company’s net receivables from customers at110.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days (Note 5), not secured to any third party andrequires the Company to maintain maximumGearing Ratio of 8 times.
Perjanjian atas Fasilitas Installment Loan (“FasilitasInstallment Loan 5”) tersebut dijamin denganjaminan fidusia atas piutang pembiayaan konsumenPerusahaan minimal sebesar 100,00% dari totalpokok pinjaman dengan kategori piutang yang tidakmemiliki tunggakan lebih dari 30 (tiga puluh) hari(Catatan 5), mengharuskan Perusahaan untukmempertahankan Gearing Ratio tidak melebihi 8kali, serta mempertahankan rasio NPL diatas 60(enam puluh) hari maksimal 5,00%.
The agreement for Installment Loan Facility(“Installment Loan Facility 5”) was secured byfiduciary transfer of the Company’s receivables fromcustomers at 100.00% of the total amount of theoutstanding loan with category day past due notover than thirty (30) days (Note 5), requires theCompany to maintain maximum Gearing Ratio of 8times, and maintain maximum NPL ratio above sixty(60) days of 5.00%.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 15 November 2019.
The loan has matured and fully paid on November15, 2019.
Pada tanggal 19 Maret 2018, Perusahaan telahmendapatkan penambahan fasilitas berdasarkanperubahan ke delapan Perjanjian Kredit No. 31dimana BCA setuju untuk penambahan fasilitaskredit berupa Fasilitas Installment Loan (“FasilitasInstallment Loan 6”) dengan jumlah maksimum danayang disediakan adalah sebesar Rp500.000 yangakan jatuh tempo maksimum 3 (tiga) tahun sejaktanggal setiap penarikan yang terkait. Pinjaman inidikenakan tingkat suku bunga yang akan ditentukanpada saat penarikan.
On March 19, 2018, the Company has securedadditional facilities under the eight amendment ofCredit Agreement No. 31 where BCA agreed toincreased the credit facility in the form of InstallmentLoan Facility (“Installment Loan Facility 6”) withmaximum available fund amounting to Rp500,000with a maximum maturity of three (3) years from thedate of any related withdrawal. The credit facilitybears interest rate which will be determined uponwithdrawal.
Perjanjian atas Fasilitas Installment Loan (“FasilitasInstallment Loan 6”) tersebut dijamin denganjaminan fidusia atas piutang pembiayaan konsumenPerusahaan minimal sebesar 100,00% dari totalpokok pinjaman dengan kategori piutang yang tidakmemiliki tunggakan lebih dari 30 (tiga puluh) harisebesar Rp208.334 (Catatan 5), mengharuskanPerusahaan untuk mempertahankan Gearing Ratiotidak melebihi 8 kali, serta mempertahankan rasioNPL diatas 60 (enam puluh) hari maksimal 5,00%.
The agreement for Installment Loan Facility(“Installment Loan Facility 6”) was secured byfiduciary transfer of the Company’s receivables fromcustomers at 100.00% of the total amount of theoutstanding loan with category day past due notover than thirty (30) days amounting to Rp208,334(Note 5), requires the Company to maintainmaximum Gearing Ratio of 8 times, and maintainmaximum NPL ratio above sixty (60) days of 5.00%.
Pada tanggal 13 Maret 2019, Perusahaan telahmendapatkan penambahan fasilitas berdasarkanperubahan ke sembilan Perjanjian Kredit No. 37dimana BCA setuju untuk penambahan fasilitaskredit berupa Fasilitas Installment Loan (“FasilitasInstallment Loan 7”) dengan jumlah maksimum danayang disediakan adalah sebesar Rp500.000 yangakan jatuh tempo maksimum 3 (tiga) tahun sejaktanggal setiap penarikan yang terkait. Pinjaman inidikenakan tingkat suku bunga yang akan ditentukanpada saat penarikan.
On March 13, 2019, the Company has securedadditional facilities under the nine amendment ofCredit Agreement No. 37 where BCA agreed toincreased the credit facility in the form of InstallmentLoan Facility (“Installment Loan Facility 7”) withmaximum available fund amounting to Rp500,000with a maximum maturity of three (3) years from thedate of any related withdrawal. The credit facilitybears interest rate which will be determined uponwithdrawal.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH434
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
64
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Central Asia Tbk (“BCA”) (lanjutan) PT Bank Central Asia Tbk (“BCA”) (continued)
Perjanjian atas Fasilitas Installment Loan (“FasilitasInstallment Loan 7”) tersebut dijamin denganjaminan fidusia atas piutang pembiayaan konsumenPerusahaan minimal sebesar 100,00% dari totalpokok pinjaman dengan kategori piutang yang tidakmemiliki tunggakan lebih dari 30 (tiga puluh) harisebesar Rp375.000 (Catatan 5), mengharuskanPerusahaan untuk mempertahankan Gearing Ratiotidak melebihi 8 kali, serta mempertahankan rasioNPL diatas 60 (enam puluh) hari maksimal 5,00%.
The agreement for Installment Loan Facility(“Installment Loan Facility 7”) was secured byfiduciary transfer of the Company’s receivables fromcustomers at 100.00% of the total amount of theoutstanding loan with category day past due notover than thirty (30) days amounting to Rp375,000(Note 5), requires the Company to maintainmaximum Gearing Ratio of 8 times, and maintainmaximum NPL ratio above sixty (60) days of 5.00%.
Pada tanggal 31 Desember 2019, Perusahaanmasih memiliki fasilitas pinjaman yang digunakandari BCA sebesar Rp25.000 untuk FasilitasPinjaman Kredit Lokal.
As of December 31, 2019, the Company still has theused loan facility from Bank BCA amounting toRp25,000 for Local Credit Loan Facility.
Untuk tahun yang berakhir padatanggal-tanggal 31 Desember 2019 dan 2018,Perusahaan melakukan pembayaran angsuranutang bank kepada BCA masing-masing sebesarRp613.194 dan Rp491.057.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to BCAamounting to Rp613,194 and Rp491,057,respectively.
PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”) PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”)
Perjanjian Kredit berdasarkan Perjanjian Kredit danPerjanjian Jaminan No. 43 tanggal 20 September2019, Bank Mandiri setuju memberikan FasilitasPinjaman Kredit Modal Kerja dengan jumlahmaksimum dana yang disediakan sebesarRp500.000 yang digunakan sebagai modal kerjapembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Kredit Modal Kerja adalah 12(dua belas) bulan sejak tanggal penandatangan.
Credit Agreement based on the Credit Agreementand Security Agreement No. 43 dated September20, 2019, Bank Mandiri agreed to provide a WorkingCapital Loan Facility which maximum available fundamounting Rp500,000 which was used as workingcapital for consumer financing. The maturity date ofWorking Capital Loan Facility is twelve (12) monthfrom the signing date.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,00% per tahun untuk jangka waktu pinjamanselama 36 (tiga puluh enam) bulan dan 8,55% pertahun untuk jangka waktu pinjaman selama 48(empat puluh delapan) bulan yang berlaku tetapselama jangka waktu Pinjaman Kredit Modal Kerja.
This loan bears an interest rates 9.00% per annum,during the loan period for thirty six (36) months and8.55% per annum, during the loan period for fourtyeight (48) months which remain valid for a period ofWorking Capital Loan Facility.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp487.778(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta rasio NPL di atas 90 (sembilan puluh) harimaksimal 5,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp487,778 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of5.00%.
Pada tanggal 31 Desember 2019, Perusahaan telahmenggunakan seluruh fasilitas Pinjaman dari BankMandiri.
As of December 31, 2019, the Company has fullyutilized the loan facility from Bank Mandiri.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
435
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
64
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Central Asia Tbk (“BCA”) (lanjutan) PT Bank Central Asia Tbk (“BCA”) (continued)
Perjanjian atas Fasilitas Installment Loan (“FasilitasInstallment Loan 7”) tersebut dijamin denganjaminan fidusia atas piutang pembiayaan konsumenPerusahaan minimal sebesar 100,00% dari totalpokok pinjaman dengan kategori piutang yang tidakmemiliki tunggakan lebih dari 30 (tiga puluh) harisebesar Rp375.000 (Catatan 5), mengharuskanPerusahaan untuk mempertahankan Gearing Ratiotidak melebihi 8 kali, serta mempertahankan rasioNPL diatas 60 (enam puluh) hari maksimal 5,00%.
The agreement for Installment Loan Facility(“Installment Loan Facility 7”) was secured byfiduciary transfer of the Company’s receivables fromcustomers at 100.00% of the total amount of theoutstanding loan with category day past due notover than thirty (30) days amounting to Rp375,000(Note 5), requires the Company to maintainmaximum Gearing Ratio of 8 times, and maintainmaximum NPL ratio above sixty (60) days of 5.00%.
Pada tanggal 31 Desember 2019, Perusahaanmasih memiliki fasilitas pinjaman yang digunakandari BCA sebesar Rp25.000 untuk FasilitasPinjaman Kredit Lokal.
As of December 31, 2019, the Company still has theused loan facility from Bank BCA amounting toRp25,000 for Local Credit Loan Facility.
Untuk tahun yang berakhir padatanggal-tanggal 31 Desember 2019 dan 2018,Perusahaan melakukan pembayaran angsuranutang bank kepada BCA masing-masing sebesarRp613.194 dan Rp491.057.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to BCAamounting to Rp613,194 and Rp491,057,respectively.
PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”) PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”)
Perjanjian Kredit berdasarkan Perjanjian Kredit danPerjanjian Jaminan No. 43 tanggal 20 September2019, Bank Mandiri setuju memberikan FasilitasPinjaman Kredit Modal Kerja dengan jumlahmaksimum dana yang disediakan sebesarRp500.000 yang digunakan sebagai modal kerjapembiayaan konsumen. Tanggal jatuh tempoFasilitas Pinjaman Kredit Modal Kerja adalah 12(dua belas) bulan sejak tanggal penandatangan.
Credit Agreement based on the Credit Agreementand Security Agreement No. 43 dated September20, 2019, Bank Mandiri agreed to provide a WorkingCapital Loan Facility which maximum available fundamounting Rp500,000 which was used as workingcapital for consumer financing. The maturity date ofWorking Capital Loan Facility is twelve (12) monthfrom the signing date.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,00% per tahun untuk jangka waktu pinjamanselama 36 (tiga puluh enam) bulan dan 8,55% pertahun untuk jangka waktu pinjaman selama 48(empat puluh delapan) bulan yang berlaku tetapselama jangka waktu Pinjaman Kredit Modal Kerja.
This loan bears an interest rates 9.00% per annum,during the loan period for thirty six (36) months and8.55% per annum, during the loan period for fourtyeight (48) months which remain valid for a period ofWorking Capital Loan Facility.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp487.778(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta rasio NPL di atas 90 (sembilan puluh) harimaksimal 5,00%.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp487,778 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of5.00%.
Pada tanggal 31 Desember 2019, Perusahaan telahmenggunakan seluruh fasilitas Pinjaman dari BankMandiri.
As of December 31, 2019, the Company has fullyutilized the loan facility from Bank Mandiri.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
65
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”)(lanjutan)
PT Bank Mandiri (Persero) Tbk (“Bank Mandiri”)(continued)
Untuk tahun yang berakhir pada tanggal 31Desember 2019, Perusahaan melakukanpembayaran angsuran utang bank kepada BankMandiri sebesar Rp12.223.
For the year ended December 31, 2019, theCompany paid installment of bank loan to BankMandiri amounting to Rp12,223.
PT Bank KEB Hana Indonesia (“KEB Hana”) PT Bank KEB Hana Indonesia (“KEB Hana”)
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 246/1/M/2016 tanggal 14 April 2016,KEB Hana setuju untuk memberikan Fasilitas KreditMoney Market Line (Uncommitted) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp100.000. Tanggal jatuh tempo fasilitas ini adalah1 (satu) tahun sejak tanggal penandatangananperjanjian kredit dan berdasarkan Akta PerjanjianKredit dan Pengakuan Hutang No. 60 tanggal14 April 2016, KEB Hana setuju untuk memberikanFasilitas Working Capital Installment (WCI) IIIdengan jumlah maksimum dana yang disediakanadalah sebesar Rp200.000.
Based on Credit Agreement and Acknowledgmentof Debt No. 246/1/M/2016 dated April 14, 2016, KEBHana agreed to provide Money Market Line(Uncommitted) Credit Facility with maximumamount of Rp100,000. The maturity of facility is one(1) year from the signing date of credit agreementand based on Credit Agreement andAcknowledgment of Debt No. 60 dated April 14,2016, KEB Hana agreed to provide Working CapitalInstallment (WCI) III Credit Facility with maximumamount of Rp200,000.
Tanggal jatuh tempo fasilitas ini adalah 3 (tiga) tahunsejak tanggal pencairan kredit ditambah denganavailability period selama 3 (tiga) bulan sejaktanggal penandatanganan perjanjian kredit.Pinjaman ini dikenakan tingkat suku bunga sebesar11,00% per tahun, dengan jaminan berupa jaminansecara fidusia atas piutang pembiayaan konsumendengan jumlah sekurang-kurangnya 100,00% darijumlah pokok fasilitas kredit (Catatan 5).
The maturity of facility is three (3) years from thecredit withdrawal date and availability period forthree (3) months from the signing date of creditagreement. The loan bears interest rates 11.00%per annum and is secured by fiduciary transfer ofconsumer financing receivables with a minimum of100.00% of the amount of credit facility (Note 5).
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 14 April 2019.
The loan matured and fully paid on April 14, 2019.
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 105 tanggal 27 Juli 2017, KEB Hanasetuju memberikan Fasilitas Kredit Working CapitalInstallment (WCI) IV dengan jumlah maksimumdana yang disediakan adalah sebesar Rp200.000.Tanggal jatuh tempo fasilitas ini adalah 3 (tiga)tahun sejak tanggal pencairan kredit ditambahdengan availability period selama 2 (dua) bulansejak tanggal penandatanganan perjanjian kredit.
Based on Credit Agreement and Acknowledgmentof Debt No. 105 dated July 27, 2017, KEB Hanaagreed to provide Working Capital Installment (WCI)IV Credit Facility with maximum amount ofRp200,000. The maturity of facility is three (3) yearsfrom the credit withdrawal date and availabilityperiod for two (2) months from the signing date ofcredit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,85% per tahun, dengan jaminan berupa piutangpembiayaan konsumen sebesar 100,00% darijumlah pokok fasilitas kredit dengan kategori piutangyang tidak memiliki tunggakan kurang dari 90(sembilan puluh) hari sebesar Rp43.632 (Catatan 5),mengharuskan Perusahaan mempertahankanGearing Ratio tidak melebihi 8 kali, sertamempertahankan rasio NPL diatas90 (sembilan puluh) hari maksimal 5,00%.
The loan bears interest rates 9.85% per annum, andis secured with consumer financing receivables of100.00% of the amount of credit facility withcategory day past due not over than ninety (90) daysamounting to Rp43,632 (Note 5), requires theCompany to maintain maximum Gearing Ratio of 8times, and maintain maximum NPL ratio aboveninety (90) days of 5.00%.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH436
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
66
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank KEB Hana Indonesia (“KEB Hana”)(lanjutan)
PT Bank KEB Hana Indonesia (“KEB Hana”)(continued)
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 151 tanggal 23 Mei 2018, KEB Hanasetuju untuk memberikan Fasilitas Kredit MoneyMarket Line (Uncommitted) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp100.000. Tanggal jatuh tempo fasilitas ini adalah1 (satu) tahun sejak tanggal penandatangananperjanjian kredit.
Based on Credit Agreement and Acknowledgmentof Debt No. 151 dated May 23, 2018, KEB Hanaagreed to provide Money Market Line(Uncommitted) Credit Facility with maximumamount of Rp100,000. The maturity of facility is one(1) year from the signing date of credit agreement.
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 151 tanggal 23 Mei 2018, KEB Hanasetuju memberikan Fasilitas Kredit Working CapitalInstallment (WCI) V dengan jumlah maksimum danayang disediakan adalah sebesar Rp250.000.Tanggal jatuh tempo fasilitas ini adalah 3 (tiga) tahunsejak tanggal pencairan kredit ditambah denganavailability period selama 3 (tiga) bulan sejak tanggalpenandatanganan perjanjian kredit.
Based on Credit Agreement and Acknowledgmentof Debt No. 151 dated May 23, 2018, KEB Hanaagreed to provide Working Capital Installment (WCI)V Credit Facility with maximum amount ofRp250,000. The maturity of facility is three (3) yearsfrom the credit withdrawal date and availabilityperiod for three (3) months from the signing date ofcredit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,00% per tahun, efektif mengambang (floating),dengan jaminan berupa piutang pembiayaankonsumen sebesar 100,00% dari jumlah pokokfasilitas kredit dengan kategori piutang yang tidakmemiliki tunggakan kurang dari 90 (sembilan puluh)hari sebesar Rp126.815 (Catatan 5), mengharuskanPerusahaan mempertahankan Gearing Ratio tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 5,00%.
The loan bears interest rates 9.00% per annum,floating, and is secured with consumer financingreceivables of 100.00% of the amount of creditfacility with category day past due not over thanninety (90) days amounting to Rp126,815 (Note 5),requires the Company to maintain maximumGearing Ratio of 8 times, and maintain maximumNPL ratio above ninety (90) days of 5.00%.
Berdasarkan surat dari Bank No. 31/133/CB/Mtanggal 22 April 2019, pinjaman ini mengalamikenaikan suku bunga kredit menjadi 9,75% pertahun yang berlaku efektif pada tanggal 24 April2019.
Based on Letter of Bank No. 31/133/CB/M datedApril 22, 2019, credit interest rate of this loan hasbeen increased to 9.75% per annum which effectivedated April, 24 2019.
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 53 tanggal 10 Mei 2019, KEB Hanasetuju memberikan Fasilitas Kredit Working CapitalInstallment (WCI) VI dengan jumlah maksimumdana yang disediakan adalah sebesar Rp250.000.Tanggal jatuh tempo fasilitas ini adalah 3 (tiga)tahun sejak tanggal pencairan kredit ditambahdengan availability period selama 3 (tiga) bulansejak tanggal penandatanganan perjanjian kredit.
Pinjaman ini dikenakan tingkat suku bunga sebesar10,00% per tahun, efektif mengambang (floating),dengan jaminan berupa piutang pembiayaankonsumen sebesar 100,00% dari jumlah pokokfasilitas kredit dengan kategori piutang yang tidakmemiliki tunggakan kurang dari 90 (sembilan puluh)hari sebesar Rp207.054 (Catatan 5), mengharuskanPerusahaan mempertahankan Gearing Ratio tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 5,00%.
Based on the Credit Agreement andAcknowledgment of Debt No. 53 dated May 10,2019, KEB Hana agreed to provide the WorkingCapital Installment (WCI) VI Credit Facility withmaximum amount of Rp250,000. The maturity offacility is three (3) years from the credit withdrawaldate and availability period of three (3) months fromsigning date of credit agreement.
This loan bears an interest rates 10.00% per annum,floating, and is secured with consumer financingreceivables of 100.00% of the amount of creditfacility with category day past due not over thanninety (90) days amounting to Rp207,054 (Note 5),requires the Company to maintain maximum theGearing Ratio of 8 times, and maintain maximumNPL ratio above ninety (90) days of 5.00%.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
437
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
66
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank KEB Hana Indonesia (“KEB Hana”)(lanjutan)
PT Bank KEB Hana Indonesia (“KEB Hana”)(continued)
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 151 tanggal 23 Mei 2018, KEB Hanasetuju untuk memberikan Fasilitas Kredit MoneyMarket Line (Uncommitted) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp100.000. Tanggal jatuh tempo fasilitas ini adalah1 (satu) tahun sejak tanggal penandatangananperjanjian kredit.
Based on Credit Agreement and Acknowledgmentof Debt No. 151 dated May 23, 2018, KEB Hanaagreed to provide Money Market Line(Uncommitted) Credit Facility with maximumamount of Rp100,000. The maturity of facility is one(1) year from the signing date of credit agreement.
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 151 tanggal 23 Mei 2018, KEB Hanasetuju memberikan Fasilitas Kredit Working CapitalInstallment (WCI) V dengan jumlah maksimum danayang disediakan adalah sebesar Rp250.000.Tanggal jatuh tempo fasilitas ini adalah 3 (tiga) tahunsejak tanggal pencairan kredit ditambah denganavailability period selama 3 (tiga) bulan sejak tanggalpenandatanganan perjanjian kredit.
Based on Credit Agreement and Acknowledgmentof Debt No. 151 dated May 23, 2018, KEB Hanaagreed to provide Working Capital Installment (WCI)V Credit Facility with maximum amount ofRp250,000. The maturity of facility is three (3) yearsfrom the credit withdrawal date and availabilityperiod for three (3) months from the signing date ofcredit agreement.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,00% per tahun, efektif mengambang (floating),dengan jaminan berupa piutang pembiayaankonsumen sebesar 100,00% dari jumlah pokokfasilitas kredit dengan kategori piutang yang tidakmemiliki tunggakan kurang dari 90 (sembilan puluh)hari sebesar Rp126.815 (Catatan 5), mengharuskanPerusahaan mempertahankan Gearing Ratio tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 5,00%.
The loan bears interest rates 9.00% per annum,floating, and is secured with consumer financingreceivables of 100.00% of the amount of creditfacility with category day past due not over thanninety (90) days amounting to Rp126,815 (Note 5),requires the Company to maintain maximumGearing Ratio of 8 times, and maintain maximumNPL ratio above ninety (90) days of 5.00%.
Berdasarkan surat dari Bank No. 31/133/CB/Mtanggal 22 April 2019, pinjaman ini mengalamikenaikan suku bunga kredit menjadi 9,75% pertahun yang berlaku efektif pada tanggal 24 April2019.
Based on Letter of Bank No. 31/133/CB/M datedApril 22, 2019, credit interest rate of this loan hasbeen increased to 9.75% per annum which effectivedated April, 24 2019.
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 53 tanggal 10 Mei 2019, KEB Hanasetuju memberikan Fasilitas Kredit Working CapitalInstallment (WCI) VI dengan jumlah maksimumdana yang disediakan adalah sebesar Rp250.000.Tanggal jatuh tempo fasilitas ini adalah 3 (tiga)tahun sejak tanggal pencairan kredit ditambahdengan availability period selama 3 (tiga) bulansejak tanggal penandatanganan perjanjian kredit.
Pinjaman ini dikenakan tingkat suku bunga sebesar10,00% per tahun, efektif mengambang (floating),dengan jaminan berupa piutang pembiayaankonsumen sebesar 100,00% dari jumlah pokokfasilitas kredit dengan kategori piutang yang tidakmemiliki tunggakan kurang dari 90 (sembilan puluh)hari sebesar Rp207.054 (Catatan 5), mengharuskanPerusahaan mempertahankan Gearing Ratio tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 5,00%.
Based on the Credit Agreement andAcknowledgment of Debt No. 53 dated May 10,2019, KEB Hana agreed to provide the WorkingCapital Installment (WCI) VI Credit Facility withmaximum amount of Rp250,000. The maturity offacility is three (3) years from the credit withdrawaldate and availability period of three (3) months fromsigning date of credit agreement.
This loan bears an interest rates 10.00% per annum,floating, and is secured with consumer financingreceivables of 100.00% of the amount of creditfacility with category day past due not over thanninety (90) days amounting to Rp207,054 (Note 5),requires the Company to maintain maximum theGearing Ratio of 8 times, and maintain maximumNPL ratio above ninety (90) days of 5.00%.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
67
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank KEB Hana Indonesia (“KEB Hana”)(lanjutan)
PT Bank KEB Hana Indonesia (“KEB Hana”)(continued)
Berdasarkan Perjanjian Kredit dan PengakuanHutang No. 53 tanggal 10 Mei 2019, KEB Hanasetuju untuk memberikan Fasilitas Kredit MoneyMarket Line (Uncommitted) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp100.000. Tanggal jatuh tempo fasilitas ini adalah1 (satu) tahun sejak tanggal penandatangananperjanjian kredit.
Based on the Credit Agreement andAcknowledgment of Debt No. 53 dated May 10,2019, KEB Hana agreed to provide the MoneyMarket Line (Uncommitted) Credit Facility withmaximum amount of Rp100,000. The maturity offacility is one (1) year from signing date of creditagreement.
Pada tanggal 31 Desember 2019, Perusahaan telahmenggunakan seluruh fasilitas Pinjaman dari KEBHana.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan melakukanpembayaran angsuran utang bank kepada KEBHana masing-masing sebesar Rp417.506 danRp177.823.
As of December 31, 2019, the Company has fullyutilized the loan facility from KEB Hana.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to KEBHana Rp417,506 and Rp177,823, respectively.
PT Bank Mega Tbk (“Bank Mega”) PT Bank Mega Tbk (“Bank Mega”)
Berdasarkan Perjanjian Kredit No. 99 tanggal30 Mei 2018, Bank Mega setuju memberikanFasilitas Fixed Loan dengan jumlah maksimumdana yang disediakan adalah sebesar Rp500.000untuk keperluan modal kerja pembiayaankonsumen. Tanggal jatuh tempo fasilitas ini adalah42 (empat puluh dua) bulan sejak tanggalpenandatanganan perjanjian kredit.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,50% per tahun untuk jangka waktu pinjamanselama 36 (tiga puluh enam) bulan yang berlakutetap selama jangka waktu Fasilitas Fixed Loan.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari total pokok pinjaman dengankategori piutang yang tidak memiliki tunggakan lebihdari 90 (sembilan puluh) hari sebesar Rp255.556(Catatan 5), tidak dalam keadaan dijaminkankepada pihak ketiga manapun juga serta objekpembiayaan harus diasuransikan, mempertahankanrasio utang terhadap ekuitas tidak melebihi 10 kali,serta mempertahankan rasio NPL diatas 90(sembilan puluh) hari maksimal 5,00%.
Pada tanggal 31 Desember 2019, Perusahaan telahmenggunakan seluruh fasilitas pinjaman yangdiberikan dari Bank Mega untuk Fasilitas FixedLoan.
Based on Credit Agreement No. 99 datedMay 30, 2018, Bank Mega agreed to provide FixedLoan Facility with maximum amount of Rp500,000,which was used for working capital consumerfinancing. The maturity of facility is forty two (42)months from the signing date of credit agreement.
The loan bears interest rate at 9.50% per annumduring the loan period for thirty six (36) months,which remain valid for a period of Fixed LoanFacility.
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp255,556 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 10 times, and maintainmaximum NPL ratio above ninety (90) days of5.00%.
As of December 31, 2019, the Company has fullyutilized the loan facility from Bank Mega for FixedLoan Facility.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan melakukanpembayaran angsuran utang bank kepada BankMega masing-masing sebesar Rp166.667 danRp78.675.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to BankMega amounting to Rp166,667 and Rp78,675,respectively.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH438
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
68
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Permata Tbk (“Bank Permata”) PT Bank Permata Tbk (“Bank Permata”)
Berdasarkan Akta Perjanjian Pemberian FasilitasPerbankan No. 51 tanggal 28 September 2017,Bank Permata setuju memberikan Fasilitas TermLoan 1 (TL 1) dengan jumlah maksimum dana yangdisediakan adalah sebesar Rp345.000. Tanggaljatuh tempo fasilitas ini adalah 42 (empat puluh dua)bulan sejak tanggal penandatanganan perjanjiankredit. Pinjaman ini dikenakan tingkat suku bungatetap per penarikan sesuai ketetapan Bank. Tingkatsuku bunga yang dikenakan atas fasilitas yangditarik berkisar antara 8,50% - 9,25%.
Based on the Deed of Banking Credit FacilityAgreement No. 51 dated September 28, 2017, BankPermata agreed to provide Term Loan 1 (TL 1) withmaximum available fund amounting to Rp345,000.The maturity of facility is forty two (42) months fromthe signing date of credit agreement. The loan bearsfixed interest rate per withdrawal according to theBank’s assessment. The interest rates forwithdrawed facilities are ranging from 8.50% -9.25%.
Pinjaman tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen perusahaanminimal sebesar 100,00% dari jumlah pokok fasilitaskredit dengan kategori piutang yang tidak memilikitunggakan kurang dari 90 (sembilan puluh) harisebesar Rp67.034 (Catatan 5), tidak dalam keadaandijaminkan kepada pihak manapun juga,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 4,00%.
The agreement was secured by fiduciary transfer ofthe company’s receivable from customer with aminimum of 100.00% of the amount of credit facilitywith category day past due not over than ninety (90)days amounting to Rp67,034 (Note 5), not securedto any third party, maintain maximum debt to equityratio of 8 times, and maintain maximum NPL ratioabove ninety (90) days of 4.00%.
Berdasarkan Akta Perubahan Pertama PerjanjianPemberian Fasilitas Perbankan No. 46 tanggal27 Februari 2018, Bank Permata setuju memberikanFasilitas Term Loan 2 (TL 2) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp400.000. Tanggal jatuh tempo fasilitas ini adalah42 (empat puluh dua) bulan sejak tanggalpenandatanganan perjanjian kredit. Pinjaman inidikenakan tingkat suku bunga tetap per penarikansesuai ketetapan Bank. Tingkat suku bunga yangdikenakan atas fasilitas yang ditarik adalah 8,80%.
Based on the First Amendment of Deed of BankingCredit Facility Agreement No. 46 dated February 27,2018, Bank Permata agreed to provide Term Loan 2(TL 2) with maximum available fund amounting toRp400,000. The maturity of facility is forty two (42)months from the signing date of credit agreement.The loan bears fixed interest rate per withdrawalaccording to the Bank assessment. The interest ratefor withdrawed facility is 8.80%.
Pinjaman tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen perusahaanminimal sebesar 100,00% dari jumlah pokok fasilitaskredit dengan kategori piutang yang tidak memilikitunggakan kurang dari 90 (sembilan puluh) harisebesar Rp168.163 (Catatan 5), tidak dalamkeadaan dijaminkan kepada pihak manapun juga,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 4,00%.
The agreement was secured by fiduciary transfer ofthe company’s receivable from customer with aminimum of 100.00% of the amount of credit facilitywith category day past due not over than ninety (90)days amounting to Rp168,163 (Note 5), not securedto any third party, maintain maximum debt to equityratio of 8 times, and maintain maximum NPL ratioabove ninety (90) days of 4.00%.
Pada tanggal 31 Desember 2019, Perusahaan telahmenggunakan seluruh fasilitas pinjaman dari BankPermata.
As of December 31, 2019, the Company has fullyutilized the loan facility from Bank Permata.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan melakukanpembayaran angsuran utang bank kepada BankPermata masing-masing sebesar Rp263.548 danRp226.705.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to BankPermata amounting to Rp263,548 and Rp226,705,respectively.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
439
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
68
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Permata Tbk (“Bank Permata”) PT Bank Permata Tbk (“Bank Permata”)
Berdasarkan Akta Perjanjian Pemberian FasilitasPerbankan No. 51 tanggal 28 September 2017,Bank Permata setuju memberikan Fasilitas TermLoan 1 (TL 1) dengan jumlah maksimum dana yangdisediakan adalah sebesar Rp345.000. Tanggaljatuh tempo fasilitas ini adalah 42 (empat puluh dua)bulan sejak tanggal penandatanganan perjanjiankredit. Pinjaman ini dikenakan tingkat suku bungatetap per penarikan sesuai ketetapan Bank. Tingkatsuku bunga yang dikenakan atas fasilitas yangditarik berkisar antara 8,50% - 9,25%.
Based on the Deed of Banking Credit FacilityAgreement No. 51 dated September 28, 2017, BankPermata agreed to provide Term Loan 1 (TL 1) withmaximum available fund amounting to Rp345,000.The maturity of facility is forty two (42) months fromthe signing date of credit agreement. The loan bearsfixed interest rate per withdrawal according to theBank’s assessment. The interest rates forwithdrawed facilities are ranging from 8.50% -9.25%.
Pinjaman tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen perusahaanminimal sebesar 100,00% dari jumlah pokok fasilitaskredit dengan kategori piutang yang tidak memilikitunggakan kurang dari 90 (sembilan puluh) harisebesar Rp67.034 (Catatan 5), tidak dalam keadaandijaminkan kepada pihak manapun juga,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 4,00%.
The agreement was secured by fiduciary transfer ofthe company’s receivable from customer with aminimum of 100.00% of the amount of credit facilitywith category day past due not over than ninety (90)days amounting to Rp67,034 (Note 5), not securedto any third party, maintain maximum debt to equityratio of 8 times, and maintain maximum NPL ratioabove ninety (90) days of 4.00%.
Berdasarkan Akta Perubahan Pertama PerjanjianPemberian Fasilitas Perbankan No. 46 tanggal27 Februari 2018, Bank Permata setuju memberikanFasilitas Term Loan 2 (TL 2) dengan jumlahmaksimum dana yang disediakan adalah sebesarRp400.000. Tanggal jatuh tempo fasilitas ini adalah42 (empat puluh dua) bulan sejak tanggalpenandatanganan perjanjian kredit. Pinjaman inidikenakan tingkat suku bunga tetap per penarikansesuai ketetapan Bank. Tingkat suku bunga yangdikenakan atas fasilitas yang ditarik adalah 8,80%.
Based on the First Amendment of Deed of BankingCredit Facility Agreement No. 46 dated February 27,2018, Bank Permata agreed to provide Term Loan 2(TL 2) with maximum available fund amounting toRp400,000. The maturity of facility is forty two (42)months from the signing date of credit agreement.The loan bears fixed interest rate per withdrawalaccording to the Bank assessment. The interest ratefor withdrawed facility is 8.80%.
Pinjaman tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen perusahaanminimal sebesar 100,00% dari jumlah pokok fasilitaskredit dengan kategori piutang yang tidak memilikitunggakan kurang dari 90 (sembilan puluh) harisebesar Rp168.163 (Catatan 5), tidak dalamkeadaan dijaminkan kepada pihak manapun juga,mempertahankan rasio utang terhadap ekuitas tidakmelebihi 8 kali, serta mempertahankan rasio NPLdiatas 90 (sembilan puluh) hari maksimal 4,00%.
The agreement was secured by fiduciary transfer ofthe company’s receivable from customer with aminimum of 100.00% of the amount of credit facilitywith category day past due not over than ninety (90)days amounting to Rp168,163 (Note 5), not securedto any third party, maintain maximum debt to equityratio of 8 times, and maintain maximum NPL ratioabove ninety (90) days of 4.00%.
Pada tanggal 31 Desember 2019, Perusahaan telahmenggunakan seluruh fasilitas pinjaman dari BankPermata.
As of December 31, 2019, the Company has fullyutilized the loan facility from Bank Permata.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan melakukanpembayaran angsuran utang bank kepada BankPermata masing-masing sebesar Rp263.548 danRp226.705.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to BankPermata amounting to Rp263,548 and Rp226,705,respectively.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
69
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank HSBC Indonesia (“HSBC”) PT Bank HSBC Indonesia (“HSBC”)
Berdasarkan Perjanjian KreditNo. JAK/100450/U/00149781 tanggal 6 Oktober2010, HSBC setuju untuk memberikan FasilitasPinjaman Modal Kerja (Corporate FacilityAgreement (“CFA”)) dengan jumlah maksimumdana yang disediakan adalah sebesar Rp200.000untuk keperluan modal kerja pembiayaan piutangusaha kendaraan roda dua. Pinjaman ini dikenakantingkat suku bunga sebesar 10,25% per tahun danakan berfluktuasi sesuai ketetapan Bank.
Based on the Credit Agreement No.JAK/100450/U/00149781 dated October 6, 2010,HSBC agreed to provide a Working Capital LoanFacility (Corporate Facility Agreement (“CFA”)) withmaximum available fund amounting to Rp200,000,which was used for motor vehicle financing. Theloan bears interest rate at 10.25% per annum andwill be fluctuated based on Bank’s assessment.
Pinjaman ini ditujukan untuk membiayai modal kerjajangka pendek Perusahaan dan bersifat berulang.
The purpose of this loan is to fund the Company’sshort term working capital and revolving basis.
Jangka waktu dari setiap pinjaman adalah maksimal1 (satu) tahun terhitung sejak tanggal pencairan dansetiap tranche harus berjumlah minimal sebesarRp5.000 dan pinjaman pokok dibayar secarabulanan.
Tenor of each loan is maximum one (1) year fromdisbursement date and each tranche should be in aminimum of Rp5,000 and principal loan will be paidmonthly.
Berdasarkan Surat Fasilitas Perbankan - TanggalPeninjauan Kembali Fasilitas No.JAK/14103/U/140716 tanggal 20 Oktober 2014,fasilitas ini dapat ditinjau kembali setiap saat dandalam kondisi apapun dan fasilitas ini dapat ditarikpaling lambat tanggal 31 Oktober 2015.
Based on Letter of Banking Facility -Reconsideration Facility Date No.JAK/14103/U/140716 dated October 20, 2014, thisfacility can be reconsidered at any time and in anycondition and this facility can withdrawn not laterthan October 31, 2015.
Berdasarkan Surat Fasilitas Perbankan - TanggalPeninjauan Kembali Fasilitas No.JAK/150921/U/150630 tanggal 12 Oktober 2015,fasilitas ini dapat ditinjau kembali setiap saat dandalam kondisi apapun dan fasilitas ini dapat ditarikpaling lambat tanggal 31 Oktober 2016. Sampaidengan tanggal laporan keuangan, fasilitas tersebutsedang dalam proses perpanjangandan fasilitas tersebut masih berlaku sesuaidengan Surat No. CDT/2017/06/0304 tanggal6 Juni 2017.
Based on Letter of Banking Facility -Reconsideration Facility Date No.JAK/150921/U/150630 dated October 12, 2015, thisfacility can be reconsidered at any time and in anycondition and this facility can withdrawn not laterthan October 31, 2016. Up to the completion of thefinancial statements, the facility is currently onextension progress and the facility is still validaccording to Letter No. CDT/2017/06/0304 datedJune 6, 2017.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen minimalsebesar 100,00% dari total pokok pinjaman sebesarRp200.000 (Catatan 5), serta mengharuskanPerusahaan untuk mempertahankan rasio utangterhadap ekuitas tidak melebihi 10 kali.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanamounting to Rp200,000 (Note 5), and requires theCompany to maintain maximum Gearing Ratio of 10times.
Pada tanggal 31 Desember 2019, Perusahaan telahmenggunakan seluruh fasilitas pinjaman dari HSBC.
As of December 31, 2019, the Company has fullyutilized the loan facility from Bank HSBC.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan melakukanpembayaran angsuran utang bank kepada HSBCmasing-masing sebesar Rp400.000 danRp800.000.
For the years ended December 31, 2019 and 2018,the Company paid installment of bank loan to HSBCamounting to Rp400,000 and Rp800,000,respectively.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH440
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
70
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank DBS Indonesia (“DBS”) PT Bank DBS Indonesia (“DBS”)
Berdasarkan Perjanjian Kredit No. 20 tanggal27 Februari 2019, DBS setuju untuk memberikanFasilitas Perbankan dengan jumlah maksimum danayang disediakan adalah sebesar Rp150.000 untukkeperluan modal kerja pembiayaan konsumen.Tanggal jatuh tempo fasilitas ini adalah 12 (duabelas) bulan sejak tanggal penarikan terakhir.
Based on Credit Agreement No. 20 dated February27, 2019, DBS agreed to provide Banking Facilitywith maximum amount of Rp150,000, which wasused for working capital consumer financing. Thematurity of facility is twelve (12) months from the lastwithdrawal date.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,00% per tahun untuk jangka waktu pinjamanselama 12 (dua belas) bulan yang berlaku tetapselama jangka waktu Fasilitas Perbankan.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari pinjaman yang belum dilunasidengan kategori piutang yang tidak memilikitunggakan lebih dari 30 (tiga puluh) hari sebesarRp150.000 (Catatan 5), dan tidak dalam keadaandijaminkan pada pihak ketiga manapun danmempertahankan rasio utang terhadap ekuitas tidakmelebihi 7 kali.
The loan bears interest rate at 9.00% per annumduring the loan period for twelve (12) months, whichremain valid for a period of Banking Facility.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days amounting to Rp150,000 (Note 5), not securedto any third party and maintain maximum debt toequity ratio of 7 times.
Untuk tahun yang berakhir pada tanggal 31Desember 2019, Perusahaan belum melakukanpembayaran angsuran utang bank kepada DBS.
For the year ended December 31, 2019, theCompany has not yet paid installment of bank loanto DBS.
PT Bank Shinhan Indonesia (“Bank Shinhan”) PT Bank Shinhan Indonesia (“Bank Shinhan”)
Berdasarkan Perjanjian Kredit No. 185 tanggal 27Desember 2018, Bank Shinhan setuju untukmemberikan Fasilitas Pinjaman Korporasi denganjumlah maksimum dana yang disediakan adalahsebesar Rp100.000 untuk keperluan modal kerjapembiayaan konsumen. Tanggal jatuh tempofasilitas ini adalah 36 (tiga puluh enam) bulan daritanggal penarikan terakhir.
Pinjaman ini dikenakan tingkat suku bunga sebesar10,00% per tahun untuk jangka waktu pinjamanselama 36 (tiga puluh enam) bulan yang berlakutetap selama jangka waktu Fasilitas PinjamanKorporasi.
Based on Credit Agreement No. 185 datedDecember 27, 2018, Bank Shinhan agreed toprovide Corporate Loan Facility with maximumavailable fund amounting to Rp100,000, which asfor consumer finance working capital. Loan’smaturity date is thirty six (36) months from the lastwithdrawal date.
The loan bears interest rate at 10.00% per annumduring the loan period for thirty six (36) months,which remain valid for a period of Corporate LoanFacility.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari pinjaman yang belum dilunasidengan kategori piutang yang tidak memilikitunggakan lebih dari 90 (sembilan puluh) harisebesar Rp66.667 (Catatan 5), tidak dalam keadaandijaminkan pada pihak ketiga mana pun dan harusobjek pembiayaan diasuransikan, mengharuskanperusahaan untuk mempertahankan rasio utangterhadap ekuitas tidak melebihi 8 kali, sertamempertahankan rasio NPL di atas 90 (sembilanpuluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp66,667 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 8 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
441
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
70
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank DBS Indonesia (“DBS”) PT Bank DBS Indonesia (“DBS”)
Berdasarkan Perjanjian Kredit No. 20 tanggal27 Februari 2019, DBS setuju untuk memberikanFasilitas Perbankan dengan jumlah maksimum danayang disediakan adalah sebesar Rp150.000 untukkeperluan modal kerja pembiayaan konsumen.Tanggal jatuh tempo fasilitas ini adalah 12 (duabelas) bulan sejak tanggal penarikan terakhir.
Based on Credit Agreement No. 20 dated February27, 2019, DBS agreed to provide Banking Facilitywith maximum amount of Rp150,000, which wasused for working capital consumer financing. Thematurity of facility is twelve (12) months from the lastwithdrawal date.
Pinjaman ini dikenakan tingkat suku bunga sebesar9,00% per tahun untuk jangka waktu pinjamanselama 12 (dua belas) bulan yang berlaku tetapselama jangka waktu Fasilitas Perbankan.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari pinjaman yang belum dilunasidengan kategori piutang yang tidak memilikitunggakan lebih dari 30 (tiga puluh) hari sebesarRp150.000 (Catatan 5), dan tidak dalam keadaandijaminkan pada pihak ketiga manapun danmempertahankan rasio utang terhadap ekuitas tidakmelebihi 7 kali.
The loan bears interest rate at 9.00% per annumduring the loan period for twelve (12) months, whichremain valid for a period of Banking Facility.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days amounting to Rp150,000 (Note 5), not securedto any third party and maintain maximum debt toequity ratio of 7 times.
Untuk tahun yang berakhir pada tanggal 31Desember 2019, Perusahaan belum melakukanpembayaran angsuran utang bank kepada DBS.
For the year ended December 31, 2019, theCompany has not yet paid installment of bank loanto DBS.
PT Bank Shinhan Indonesia (“Bank Shinhan”) PT Bank Shinhan Indonesia (“Bank Shinhan”)
Berdasarkan Perjanjian Kredit No. 185 tanggal 27Desember 2018, Bank Shinhan setuju untukmemberikan Fasilitas Pinjaman Korporasi denganjumlah maksimum dana yang disediakan adalahsebesar Rp100.000 untuk keperluan modal kerjapembiayaan konsumen. Tanggal jatuh tempofasilitas ini adalah 36 (tiga puluh enam) bulan daritanggal penarikan terakhir.
Pinjaman ini dikenakan tingkat suku bunga sebesar10,00% per tahun untuk jangka waktu pinjamanselama 36 (tiga puluh enam) bulan yang berlakutetap selama jangka waktu Fasilitas PinjamanKorporasi.
Based on Credit Agreement No. 185 datedDecember 27, 2018, Bank Shinhan agreed toprovide Corporate Loan Facility with maximumavailable fund amounting to Rp100,000, which asfor consumer finance working capital. Loan’smaturity date is thirty six (36) months from the lastwithdrawal date.
The loan bears interest rate at 10.00% per annumduring the loan period for thirty six (36) months,which remain valid for a period of Corporate LoanFacility.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari pinjaman yang belum dilunasidengan kategori piutang yang tidak memilikitunggakan lebih dari 90 (sembilan puluh) harisebesar Rp66.667 (Catatan 5), tidak dalam keadaandijaminkan pada pihak ketiga mana pun dan harusobjek pembiayaan diasuransikan, mengharuskanperusahaan untuk mempertahankan rasio utangterhadap ekuitas tidak melebihi 8 kali, sertamempertahankan rasio NPL di atas 90 (sembilanpuluh) hari maksimal 4,00%.
The agreement is secured by fiduciary transfer ofthe Company’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than ninety (90)days amounting to Rp66,667 (Note 5), not securedto any third party and also the object of financingshould be covered by insurance, maintain maximumdebt to equity ratio of 8 times, and maintainmaximum NPL ratio above ninety (90) days of4.00%.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
71
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
PT Bank Shinhan Indonesia (“Bank Shinhan”)(lanjutan)
PT Bank Shinhan Indonesia (“Bank Shinhan”)(continued)
Untuk tahun yang berakhir pada tanggal 31Desember 2019, Perusahaan melakukanpembayaran angsuran utang bank kepada BankShinhan sebesar Rp33.333.
For the year ended December 31, 2019, theCompany paid installment of bank loan to BankShinhan amounting to Rp33,333.
PT Bank CTBC Indonesia (“Bank CTBC”)
Berdasarkan Perjanjian Kredit No. 95 tanggal 18Desember 2019, Bank CTBC setuju untukmemberikan Fasilitas Pinjaman Jangka Menengahdengan jumlah maksimum dana yang disediakanadalah sebesar Rp300.000 untuk keperluan modalkerja pembiayaan konsumen. Tanggal jatuh tempofasilitas ini adalah 36 (tiga puluh enam) bulan daritanggal penarikan terakhir.
Pinjaman ini dikenakan tingkat suku bunga sebesar8,75% per tahun untuk jangka waktu pinjamanselama 36 (tiga puluh enam) bulan yang berlakutetap selama jangka waktu Fasilitas PinjamanJangka Menengah.
Perjanjian tersebut dijamin dengan jaminan fidusiaatas piutang pembiayaan konsumen bersih minimalsebesar 100,00% dari pinjaman yang belum dilunasidengan kategori piutang yang tidak memilikitunggakan lebih dari 30 (tiga puluh) hari (Catatan 5),tidak dalam keadaan dijaminkan pada pihak ketigamanapun dan harus objek pembiayaandiasuransikan, mengharuskan perusahaan untukmempertahankan rasio utang terhadap ekuitas tidakmelebihi 8 kali, serta mempertahankan rasio NPL diatas 90 (sembilan puluh) hari maksimal 5,00%.
Pada tanggal 31 Desember 2019, Perusahaanmasih memiliki fasilitas pinjaman yang belumdigunakan dari Bank CTBC sebesar Rp300.000untuk Fasilitas Pinjaman Jangka Menengah.
PT Bank CTBC Indonesia (“Bank CTBC”)
Based on the Credit Agreement No. 95 datedDecember 18, 2019, Bank CTBC agreed to providean Intermediate Term Loan Facility with maximumavailable fund amounting to Rp300,000, which usedas consumer finance working capital. The loan’smaturity date is thirty six (36) months from the lastwithdrawal date.
The loan bears interest rate at 8.75% per annumduring the loan period for thirty six (36) months, whichremain valid for a period of Intermediate Term LoanFacility .
The agreement is secured by fiduciary transfer of theCompany’s net receivables from customers at100.00% of the total amount of the outstanding loanwith category day past due not over than thirty (30)days (Note 5), not secured to any third party and alsothe object of financing should be covered byinsurance, maintain maximum debt to equity ratio of8 times, and maintain maximum NPL ratio aboveninety (90) days of 5.00%.
As of December 31, 2019, the Company still has theunused loan facility from Bank CTBC amounting toRp300,000 for Intermediate Term Loan Facility.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH442
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
72
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
Perjanjian-perjanjian dengan Bank Panin, BCA,Bank Mandiri, KEB Hana, Bank Mega, BankPermata, HSBC, DBS, Bank Shinhan dan BankCTBC mensyaratkan Perusahaan untuk tidakmelakukan hal-hal berikut ini, sebelum memperolehpersetujuan dari bank-bank tersebut, yang antaralain, melakukan konsolidasi, merger, akuisisi ataupenyertaan saham; penjualan aset Perusahaan;melakukan investasi baru; perubahan AnggaranDasar berupa penurunan modal; pembiayaankepada perusahaan berelasi maupun perusahaanlainnya di luar transaksi usaha sehari-hari;mengikatkan diri sebagai penanggung kepada pihaklain atau menjaminkan aset Perusahaan kepadapihak lain; pelunasan pinjaman kepada seluruhpemegang saham; penawaran umum atas sahamPerusahaan atau pembelian kembali sahamPerusahaan; perubahan bentuk usaha Perusahaan;menjaminkan kembali BPKB kepada pihak lain danmemperoleh pinjaman atau kredit dari lembagakeuangan lain kecuali untuk kegiatan usaha yangnormal.
Under the above agreements with Bank Panin, BCA,Bank Mandiri, KEB Hana, Bank Mega, BankPermata, HSBC, DBS, Bank Shinhan and BankCTBC without prior approval from those banks, is notallowed to, among others, enter into consolidation,merger, acquisitions or investments in shares ofstock; sell the Company’s assets; enter into newinvestments; change the Articles of Associationrelating to capital reduction; provide financing toother related parties and unrelated parties other thanin the normal course of business; act as a guarantorof or collateralize the Company’s assets to obligationof other parties; repay the loans obtained from allstockholders; float the Company’s shares to thepublic or buy back the Company’s shares; alter theCompany’s nature of business; pledge the sameBPKB as collateral to other parties and obtain loansor credits from other financial institutions except inthe normal course of business.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan telahmematuhi seluruh persyaratan penting sehubungandengan perjanjian dengan bank-bank tersebut diatas.
For the years ended December 31, 2019 and 2018,the Company has complied with all significant loancovenants as required in the agreement with theaforementioned banks.
12. UTANG SUBORDINASI 12. SUBORDINATED LOAN
31 Desember/December 31,
2019 2018
Pihak berelasi (Catatan 28) Related party (Note 28)PT Bank Maybank Indonesia Tbk 200.000 100.000 PT Bank Maybank Indonesia Tbk
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Tingkat suku bunga efektif tahunan Effective annual interest ratesMata uang Rupiah 12,00% - 14,00% 14,00% Rupiah currency
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
443
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
72
11. UTANG BANK (lanjutan) 11. BANK LOANS (continued)
Perjanjian-perjanjian dengan Bank Panin, BCA,Bank Mandiri, KEB Hana, Bank Mega, BankPermata, HSBC, DBS, Bank Shinhan dan BankCTBC mensyaratkan Perusahaan untuk tidakmelakukan hal-hal berikut ini, sebelum memperolehpersetujuan dari bank-bank tersebut, yang antaralain, melakukan konsolidasi, merger, akuisisi ataupenyertaan saham; penjualan aset Perusahaan;melakukan investasi baru; perubahan AnggaranDasar berupa penurunan modal; pembiayaankepada perusahaan berelasi maupun perusahaanlainnya di luar transaksi usaha sehari-hari;mengikatkan diri sebagai penanggung kepada pihaklain atau menjaminkan aset Perusahaan kepadapihak lain; pelunasan pinjaman kepada seluruhpemegang saham; penawaran umum atas sahamPerusahaan atau pembelian kembali sahamPerusahaan; perubahan bentuk usaha Perusahaan;menjaminkan kembali BPKB kepada pihak lain danmemperoleh pinjaman atau kredit dari lembagakeuangan lain kecuali untuk kegiatan usaha yangnormal.
Under the above agreements with Bank Panin, BCA,Bank Mandiri, KEB Hana, Bank Mega, BankPermata, HSBC, DBS, Bank Shinhan and BankCTBC without prior approval from those banks, is notallowed to, among others, enter into consolidation,merger, acquisitions or investments in shares ofstock; sell the Company’s assets; enter into newinvestments; change the Articles of Associationrelating to capital reduction; provide financing toother related parties and unrelated parties other thanin the normal course of business; act as a guarantorof or collateralize the Company’s assets to obligationof other parties; repay the loans obtained from allstockholders; float the Company’s shares to thepublic or buy back the Company’s shares; alter theCompany’s nature of business; pledge the sameBPKB as collateral to other parties and obtain loansor credits from other financial institutions except inthe normal course of business.
Untuk tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, Perusahaan telahmematuhi seluruh persyaratan penting sehubungandengan perjanjian dengan bank-bank tersebut diatas.
For the years ended December 31, 2019 and 2018,the Company has complied with all significant loancovenants as required in the agreement with theaforementioned banks.
12. UTANG SUBORDINASI 12. SUBORDINATED LOAN
31 Desember/December 31,
2019 2018
Pihak berelasi (Catatan 28) Related party (Note 28)PT Bank Maybank Indonesia Tbk 200.000 100.000 PT Bank Maybank Indonesia Tbk
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Tingkat suku bunga efektif tahunan Effective annual interest ratesMata uang Rupiah 12,00% - 14,00% 14,00% Rupiah currency
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
73
12. UTANG SUBORDINASI (lanjutan) 12. SUBORDINATED LOAN (continued)
Berdasarkan Akta Perjanjian Kredit No. 73 tanggal27 November 2014, BMI setuju untuk memberikanfasilitas Pinjaman Berjangka dengan jumlahmaksimum sebesar Rp100.000, yang digunakanuntuk memperkuat struktur permodalan. Fasilitas inidikenakan suku bunga tetap sebesar 14,00% pertahun dan dapat berubah sewaktu-waktu mengikutiperubahan atau perkembangan pasar uang dansuku bunga yang berlaku di bank. Bunga akandibayarkan setiap 3 (tiga) bulan dan telah berakhirpada tanggal 27 November 2019.
Based on Credit Agreement Deed No. 73 datedNovember 27, 2014, BMI agreed to provide a TermLoan facility at the maximum amount of Rp100,000,which was used for strengthening the Company’scapital structure. This facility has fixed interest rateat 14.00% per annum and subject to change at anytime following changes money market and interestrates applied in bank. Interest will be paid everythree (3) month and was due on November 27,2019.
Berdasarkan Akta Perjanjian Kredit No. 74 tanggal27 November 2014, Pemegang Saham (BMI)diwajibkan untuk mensubordinasikan seluruhtagihan Pemegang Saham (berdasarkan AktaPerjanjian Kredit No. 73 tanggal 27 November 2014)terhadap tagihan dari kreditur Perusahaan yang lain.
Saldo pinjaman telah jatuh tempo dan dilunasi padatanggal 27 November 2019.
Berdasarkan Akta Perjanjian Kredit No. 14 tanggal27 November 2019, BMI setuju untuk memberikanfasilitas Pinjaman Berjangka dengan jumlahmaksimum sebesar Rp200.000, yang digunakanuntuk memperkuat struktur permodalan. Fasilitas inidikenakan suku bunga tetap sebesar 12,00% pertahun dan dapat berubah sewaktu-waktu mengikutiperubahan atau perkembangan pasar uang dansuku bunga yang berlaku di bank. Bunga akandibayarkan setiap 3 (tiga) bulan dan akan berakhirpada tanggal 28 November 2024.
Based on Credit Agreement Deed No. 74 datedNovember 27, 2014, Shareholders (BMI) arerequired to subordinate the entire bill ofShareholders (pursuant to the Deed of CreditAgreement No. 73 dated November 27, 2014) of thebills of other creditors.
The loan matured and fully paid on November 27,2019.
Based on Credit Agreement Deed No. 14 datedNovember 27, 2019, BMI agreed to provide a TermLoan facility at the maximum amount of Rp200,000,which was used for strengthening the Company’scapital structure. This facility has fixed interest rateat 12.00% per annum and subject to change at anytime following changes money market and interestrates applied in bank. Interest will be paid everythree (3) month and will due on November 28, 2024.
Berdasarkan Akta Perjanjian Hutang SubordinasiNo. 15 tanggal 27 November 2019, PemegangSaham (BMI) diwajibkan untuk mensubordinasikanseluruh tagihan Pemegang Saham (berdasarkanAkta Perjanjian Kredit No. 14 tanggal 27 November2019) terhadap tagihan dari kreditur Perusahaanyang lain.
Based on Subordination Loan Agreement Deed No.15 dated November 27, 2019, Shareholders (BMI)are required to subordinate the entire bill ofShareholders (pursuant to the Deed of CreditAgreement No. 14 dated November 27, 2019) of thebills of other creditors.
Biaya bunga yang dikenakan untuk pinjamantersebut masing-masing sebesar Rp15.111 danRp14.194 untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2019 dan 2018 (Catatan 25dan 28).
Interest incurred for this facility is amounting toRp15,111 and Rp14,194 for the years endedDecember 31, 2019 and 2018, respectively (Notes25 and 28).
Pada tanggal 31 Desember 2019 dan 2018,Perusahaan mencatat bunga masih harus dilunasimasing-masing sebesar Rp2.200 dan Rp1.283(Catatan 13 dan 28).
As of December 31, 2019 and 2018, the Companyrecorded accrued interest amounting to Rp2,200and Rp1,283, respectively (Notes 13 and 28).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH444
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
74
12. UTANG SUBORDINASI (lanjutan) 12. SUBORDINATED LOAN (continued)
Selama masa berlakunya perjanjian ini, Perusahaanharus mengelola posisi keuangan sebagai berikut:
During the period of the agreement is stilloutstanding, the Company is obliged to maintain itsfinancial position as follows:
Pembatasan keuangan Financial CovenantsGearing ratio : ≤ 8 : 1 : Gearing ratio Non-performing loan : ≤ 6,00% : Non-performing loan
Pada tanggal 31 Desember 2019, Perusahaan telahmematuhi seluruh persyaratan penting sehubungandengan persyaratan yang diberikan oleh BMItersebut di atas.
As of December 31, 2019, the Company hascomplied with all significant loan covenants requiredby BMI.
13. BIAYA MASIH HARUS DIBAYAR 13. ACCRUED EXPENSES
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesKomisi dan bonus karyawan 55.557 55.380 Employees’ commissions and bonusBunga 32.103 36.782 InterestsLain-lain 2.176 2.199 Others
Subtotal 89.836 94.361 Subtotal
Pihak-pihak berelasi Related parties(Catatan 11, 12, 16, dan 28) (Notes 11, 12, 16, and 28)
Bunga 2.727 1.753 Interests
Total 92.563 96.114 Total
14. PERPAJAKAN 14. TAXATION
31 Desember/December 31,
2019 2018
Utang pajak: Taxes payable:PPN 449 496 VATPajak penghasilan Income tax
Pasal 29 36.942 - Article 29Pasal 21 1.509 1.747 Article 21Pasal 23 111 501 Article 23Pasal 4 (2) 326 349 Article 4 (2)
Total 39.337 3.093 Total
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
445
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
74
12. UTANG SUBORDINASI (lanjutan) 12. SUBORDINATED LOAN (continued)
Selama masa berlakunya perjanjian ini, Perusahaanharus mengelola posisi keuangan sebagai berikut:
During the period of the agreement is stilloutstanding, the Company is obliged to maintain itsfinancial position as follows:
Pembatasan keuangan Financial CovenantsGearing ratio : ≤ 8 : 1 : Gearing ratio Non-performing loan : ≤ 6,00% : Non-performing loan
Pada tanggal 31 Desember 2019, Perusahaan telahmematuhi seluruh persyaratan penting sehubungandengan persyaratan yang diberikan oleh BMItersebut di atas.
As of December 31, 2019, the Company hascomplied with all significant loan covenants requiredby BMI.
13. BIAYA MASIH HARUS DIBAYAR 13. ACCRUED EXPENSES
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesKomisi dan bonus karyawan 55.557 55.380 Employees’ commissions and bonusBunga 32.103 36.782 InterestsLain-lain 2.176 2.199 Others
Subtotal 89.836 94.361 Subtotal
Pihak-pihak berelasi Related parties(Catatan 11, 12, 16, dan 28) (Notes 11, 12, 16, and 28)
Bunga 2.727 1.753 Interests
Total 92.563 96.114 Total
14. PERPAJAKAN 14. TAXATION
31 Desember/December 31,
2019 2018
Utang pajak: Taxes payable:PPN 449 496 VATPajak penghasilan Income tax
Pasal 29 36.942 - Article 29Pasal 21 1.509 1.747 Article 21Pasal 23 111 501 Article 23Pasal 4 (2) 326 349 Article 4 (2)
Total 39.337 3.093 Total
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
75
14. PERPAJAKAN (lanjutan) 14. TAXATION (continued)
Rekonsiliasi antara laba sebelum beban pajaksebagaimana disajikan dalam laporan laba rugi danpenghasilan komprehensif lain dengan taksiranpenghasilan kena pajak untuk tahun yang berakhirpada tanggal-tanggal 31 Desember 2019 dan 2018adalah sebagai berikut:
A reconciliation between income before taxexpense, as shown in the statement of profit or lossand other comprehensive income and estimatedtaxable income for the years ended December 31,2019 and 2018 are as follows:
Tahun yang berakhirpada tanggal 31 December/Years ended December 31,
2019 2018
Laba sebelum Income beforebeban pajak penghasilan income tax expensesebagaimana disajikan dalam as shown in thelaporan laba rugi dan penghasilan statement of profit or loss andkomprehensif lain 363.941 283.420 other comprehensive income
Ditambah (dikurangi): Add (deduct):Beda temporer Temporary differencesPenyisihan imbalan kerja 11.896 8.144 Provision for employee benefitsSewa gedung kantor 1.071 803 Office building rentalKompensasi berbasis saham - (223)
Share-based paymentPenyusutan perangkat lunak (2.092) - Software depreciation
Beda tetap Permanent differencesPenyusutan Car Ownership Program- Depreciation Car Ownership Program-
Non Deductible Expense 50,00% 3.214 3.700 Non Deductible Expense 50.00%Beban dan denda pajak 2.588 704 Tax expense and penaltiesSumbangan 134 98 Donations
Interest income from current accountsPendapatan bunga giro dan deposito (35.625) (18.717) and time depositsPajak penghasilan final atas Final income tax on interest income from
pendapatan bunga giro dan deposito 7.125 3.743 current accounts and time deposits
Laba kena pajak 352.252 281.672 Taxable income
Beban pajak penghasilan 88.063 70.418 Income tax expenseDikurangi: Less:Pajak dibayar di muka 51.121 73.300 Prepaid taxes
Utang pajak penghasilan(pajak penghasilan Income tax payabledibayar di muka) 36.942 (2.882) (prepaid taxes)
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH446
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
76
14. PERPAJAKAN (lanjutan) 14. TAXATION (continued)
Rekonsiliasi antara beban pajak dihitung denganmenggunakan tarif pajak yang berlaku atas labasebelum beban pajak dengan beban pajak,sebagaimana disajikan dalam laporan laba rugi danpenghasilan komprehensif lain untuk tahun yangberakhir pada tanggal-tanggal 31 Desember 2019dan 2018 adalah sebagai berikut:
Reconciliation between the tax expense calculatedby applying the applicable tax rates to the incomebefore tax expense and the tax expense, as shownin the statement of profit or loss and othercomprehensive income for the years endedDecember 31, 2019 and 2018 are as follows:
Tahun yang berakhirpada tanggal 31 December/Years ended December 31,
2019 2018
Laba sebelum beban Income beforepajak penghasilan income tax expensesebagaimana disajikan dalam as shown in thelaporan laba rugi dan penghasilan statement of profit or loss andkomprehensif lain 363.941 283.420 other comprehensive income
Beban pajak dengan Tax expense at thetarif pajak yang berlaku 90.985 70.855 applicable tax rates
Pengaruh pajak atas beda tetap pada Tax effects on permanent differencestarif pajak yang berlaku (5.641) (2.618) at the applicable tax rate
Surat Ketetapan Pajak 18.926 - Tax Assessement Letter
Beban pajak penghasilan 104.270 68.237 Income tax expense
Tarif pajak efektif 28,65% 24,08% Effective tax rate
Beban pajak penghasilan: Income tax expense:Kini 88.063 70.418 CurrentSurat Ketetapan Pajak 18.926 - Tax Assessment LetterTangguhan (2.719) (2.181) Deferred
Total 104.270 68.237 Total
Rincian manfaat pajak tangguhan adalah sebagaiberikut:
The details of deferred tax benefit are as follows:
Tahun yang berakhirpada tanggal 31 December/Years ended December 31,
2019 2018
Pengaruh pajak atas beda temporer pada Tax effects on temporary differencestarif pajak maksimum yang berlaku: at the applicable maximum tax rate:Penyisihan imbalan kerja (2.974) (2.035) Provision for employee benefitsSewa gedung kantor (268) (201) Office building rentalKompensasi berbasis saham - 55 Share-based paymentPenyusutan perangkat lunak 523 - Software depreciation
Total manfaat pajak tangguhan (2.719) (2.181) Total deferred tax benefit
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
447
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
76
14. PERPAJAKAN (lanjutan) 14. TAXATION (continued)
Rekonsiliasi antara beban pajak dihitung denganmenggunakan tarif pajak yang berlaku atas labasebelum beban pajak dengan beban pajak,sebagaimana disajikan dalam laporan laba rugi danpenghasilan komprehensif lain untuk tahun yangberakhir pada tanggal-tanggal 31 Desember 2019dan 2018 adalah sebagai berikut:
Reconciliation between the tax expense calculatedby applying the applicable tax rates to the incomebefore tax expense and the tax expense, as shownin the statement of profit or loss and othercomprehensive income for the years endedDecember 31, 2019 and 2018 are as follows:
Tahun yang berakhirpada tanggal 31 December/Years ended December 31,
2019 2018
Laba sebelum beban Income beforepajak penghasilan income tax expensesebagaimana disajikan dalam as shown in thelaporan laba rugi dan penghasilan statement of profit or loss andkomprehensif lain 363.941 283.420 other comprehensive income
Beban pajak dengan Tax expense at thetarif pajak yang berlaku 90.985 70.855 applicable tax rates
Pengaruh pajak atas beda tetap pada Tax effects on permanent differencestarif pajak yang berlaku (5.641) (2.618) at the applicable tax rate
Surat Ketetapan Pajak 18.926 - Tax Assessement Letter
Beban pajak penghasilan 104.270 68.237 Income tax expense
Tarif pajak efektif 28,65% 24,08% Effective tax rate
Beban pajak penghasilan: Income tax expense:Kini 88.063 70.418 CurrentSurat Ketetapan Pajak 18.926 - Tax Assessment LetterTangguhan (2.719) (2.181) Deferred
Total 104.270 68.237 Total
Rincian manfaat pajak tangguhan adalah sebagaiberikut:
The details of deferred tax benefit are as follows:
Tahun yang berakhirpada tanggal 31 December/Years ended December 31,
2019 2018
Pengaruh pajak atas beda temporer pada Tax effects on temporary differencestarif pajak maksimum yang berlaku: at the applicable maximum tax rate:Penyisihan imbalan kerja (2.974) (2.035) Provision for employee benefitsSewa gedung kantor (268) (201) Office building rentalKompensasi berbasis saham - 55 Share-based paymentPenyusutan perangkat lunak 523 - Software depreciation
Total manfaat pajak tangguhan (2.719) (2.181) Total deferred tax benefit
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
77
14. PERPAJAKAN (lanjutan) 14. TAXATION (continued)
Rincian aset pajak tangguhan - neto Perusahaansebagai berikut:
The details of the Company’s deferred tax assets -net are as follows:
31 Desember/December 31, 2019
Dikreditkan(Dibebankan)/ ke ekuitas
dikreditkan darike laporan pendapatanlaba rugi komprehensif
tahun berjalan/ lain/(Charged)/ Charged tocredited to equity from
Saldo awal/ income other Saldo akhir/Beginning statements comprehensive Ending
balance for the year income balance
Aset pajak tangguhan: Deferred tax assets:Penyisihan imbalan kerja 32.236 2.974 (1.218) 33.992 Provision for employee benefitsSewa gedung kantor 201 268 - 469 Office building rentalPenyusutan perangkat lunak - (523) - (523) Software depreciation
Aset pajak tangguhan - neto 32.437 2.719 (1.218) 33.938 Deferred tax assets - net
31 Desember/December 31, 2018
Dikreditkan(Dibebankan)/ ke ekuitas
dikreditkan darike laporan pendapatanlaba rugi komprehensif
tahun berjalan/ lain/(Charged)/ Charged tocredited to equity from
Saldo awal/ income other Saldo akhir/Beginning statements comprehensive Ending
balance for the year income balance
Aset pajak tangguhan: Deferred tax assets:Penyisihan imbalan kerja 37.077 2.035 (6.876) 32.236 Provision for employee benefitKompensasi berbasis saham 55 (55) - - Share based paymentSewa gedung kantor - 201 - 201 Office building rental
Aset pajak tangguhan - neto 37.132 2.181 (6.876) 32.437 Deferred tax assets - net
Tahun pajak 2016 Tax fiscal year 2016
Pada tanggal 6 Juli 2017, Perusahaan menerimaSurat Tagihan Pajak (“STP”) atas PajakPertambahan Nilai (“PPN”) masa Januari 2016sebesar Rp178. Pada tanggal 3 Agustus 2017,Perusahaan membayar tagihan pajak sesuaidengan STP tersebut.
On July 6, 2017, the Company received TaxCollection Letter (“STP”) of Value Added Tax(“VAT”) for period January 2016 amounting toRp178. On August 3, 2017, the Company paid thetax based on STP.
Pada tanggal 31 Agustus 2017, Perusahaanmengajukan surat permohonan pengurangan ataupenghapusan STP atas PPN masa Januari 2016sebesar Rp178.
On August 31, 2017, the Company filed reduce orwaiver letter STP of VAT for period January 2016amounting to Rp178.
Pada tanggal 20 Oktober 2017, Direktorat JenderalPajak (“DJP”) menolak surat permohonanpengurangan atau penghapusan tersebut di atasmelalui Surat Nomor KEP00737/NKEB/WPJ.19/2017. Pada tahun 2018,Perusahaan membebankan jumlah pajak dibayar dimuka atas STP tersebut ke dalam biaya umum danadministrasi yaitu denda pajak dalam laporan labarugi dan penghasilan komprehensif lain.
On October 20, 2017, The Directorate General ofTaxation (“DGT”) has rejected the Company’s filedreduce or waiver letter through its Letter No. KEP-00737/NKEB/WPJ.19/2017. On 2018, the Companyexpensed the amount of prepaid tax based onSTP as a part of general administrative expensewhich is tax penalty in the statement of profit andloss and other comprehensive income.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH448
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
78
14. PERPAJAKAN (lanjutan) 14. TAXATION (continued)
Tahun pajak 2016 (lanjutan) Tax fiscal year 2016 (continued)
Pada tanggal 12 April 2018, Perusahaan menerimaSurat Pemberitahuan Pemeriksaan LapanganNo. Pemb-00083/WPJ.19/KP.0105/RIK.SIS/2018tentang pemeriksaan lapangan untuk semua jenispajak tahun pajak 2016. Pada Tanggal 23November 2018, Perusahaan menerima SuratPerintah Pemeriksaan Perubahan No. PRIN-P-00028/WPJ.19/KP.0105/RIK.SIS/2018. Padatanggal 18 Desember 2019, Perusahaan menerimaSurat Ketetapan Pajak (“SKP”) untuk tahun fiskal2016. Berdasarkan SKP tersebut, Kantor Pajakmenetapkan kurang bayar atas Pajak PenghasilanPasal 21 (“PPh Pasal 21”), Pajak Penghasilan Pasal23/26 (“PPh Pasal 23/26”), Pajak Pertambahan Nilai(“PPN”) dan Pajak Penghasilan Badan denganjumlah keseluruhan Rp26.671. Hasil pemeriksaantersebut telah disetujui Manajemen Perusahaanserta telah dibayarkan seluruhnya, kecuali atasketetapan kurang bayar PPN sebesar Rp5.224,Perusahaan akan mengajukan keberatan pajak.
On April 12, 2018, the Company received FieldExamination Notification Letter No. Pemb-00083/WPJ.19/KP.0105/RIK.SIS/2018 regardingfield examination for all taxes for fiscal year 2016.On November 23, 2018 the Company receivedChange Examination Instruction Letter No. PRIN-P-00028/WPJ.19/KP.0105/RIK.SIS/2018. OnDecember 18, 2019, the Company received TaxAssessment Letters for fiscal year 2016. Based onthe Assessment Letters, the Tax Office confirmedthe underpayment of Article 21 Income Tax,Withholding Tax Articles 23/26, VAT and CorporateIncome Tax aggregating Rp26,671. The result of theexamination was agreed by the Company’sManagement and has been fully paid, except for theVAT underpayment assessment of Rp5,224, inwhich the Company will file a tax objection.
Tahun pajak 2018 Tax fiscal year 2018
Pada tanggal 17 Juli 2019, Perusahaan menerimaSurat Pemberitahuan Pemeriksaan LapanganNo. Pemb-00202/WPJ.19/KP.0105/RIK.SIS/2019tentang pemeriksaan lapangan untuk semua jenispajak tahun pajak 2018. Sampai dengan tanggallaporan keuangan, hasil pemeriksaan belum dapatditentukan.
On July 17, 2019, the Company received FieldExamination Notification Letter No. Pemb-00202/WPJ.19/KP.0105/RIK.SIS/2019 regardingfield examination for all taxes for fiscal year 2018.Up to the completion date of the financialstatements, the result of this examination cannot yetbe determined.
Administrasi Administration
Berdasarkan Undang-undang Perpajakan yangberlaku di Indonesia, Perusahaan menghitung,menetapkan dan membayar sendiri besarnyajumlah pajak yang terutang. DJP dapat menetapkanatau mengubah liabilitas pajak dalam batas waktu 5(lima) tahun sejak saat terutangnya pajak untuktahun fiskal 2008 dan tahun-tahun selanjutnya.
Under the prevailing Taxation Laws of Indonesia,the Company calculates, determines and pays taxpayable based on self-assessment. The DGT mayassess or amend taxes within five (5) years from thetime the tax becomes due for the fiscal year 2008and subsequent years.
Perhitungan pajak penghasilan untuk tahun yangberakhir pada tanggal 31 Desember2019 sebagaimana diungkapkan dalam Catatan 14akan menjadi dasar dalam pengisian suratPemberitahuan Tahunan (SPT) Pajak PenghasilanBadan.
The income tax calculation for the year endedDecember 31, 2019 as disclosed in Note 14 will bethe basis in filing Annual Corporate Income TaxReturn.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
449
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
78
14. PERPAJAKAN (lanjutan) 14. TAXATION (continued)
Tahun pajak 2016 (lanjutan) Tax fiscal year 2016 (continued)
Pada tanggal 12 April 2018, Perusahaan menerimaSurat Pemberitahuan Pemeriksaan LapanganNo. Pemb-00083/WPJ.19/KP.0105/RIK.SIS/2018tentang pemeriksaan lapangan untuk semua jenispajak tahun pajak 2016. Pada Tanggal 23November 2018, Perusahaan menerima SuratPerintah Pemeriksaan Perubahan No. PRIN-P-00028/WPJ.19/KP.0105/RIK.SIS/2018. Padatanggal 18 Desember 2019, Perusahaan menerimaSurat Ketetapan Pajak (“SKP”) untuk tahun fiskal2016. Berdasarkan SKP tersebut, Kantor Pajakmenetapkan kurang bayar atas Pajak PenghasilanPasal 21 (“PPh Pasal 21”), Pajak Penghasilan Pasal23/26 (“PPh Pasal 23/26”), Pajak Pertambahan Nilai(“PPN”) dan Pajak Penghasilan Badan denganjumlah keseluruhan Rp26.671. Hasil pemeriksaantersebut telah disetujui Manajemen Perusahaanserta telah dibayarkan seluruhnya, kecuali atasketetapan kurang bayar PPN sebesar Rp5.224,Perusahaan akan mengajukan keberatan pajak.
On April 12, 2018, the Company received FieldExamination Notification Letter No. Pemb-00083/WPJ.19/KP.0105/RIK.SIS/2018 regardingfield examination for all taxes for fiscal year 2016.On November 23, 2018 the Company receivedChange Examination Instruction Letter No. PRIN-P-00028/WPJ.19/KP.0105/RIK.SIS/2018. OnDecember 18, 2019, the Company received TaxAssessment Letters for fiscal year 2016. Based onthe Assessment Letters, the Tax Office confirmedthe underpayment of Article 21 Income Tax,Withholding Tax Articles 23/26, VAT and CorporateIncome Tax aggregating Rp26,671. The result of theexamination was agreed by the Company’sManagement and has been fully paid, except for theVAT underpayment assessment of Rp5,224, inwhich the Company will file a tax objection.
Tahun pajak 2018 Tax fiscal year 2018
Pada tanggal 17 Juli 2019, Perusahaan menerimaSurat Pemberitahuan Pemeriksaan LapanganNo. Pemb-00202/WPJ.19/KP.0105/RIK.SIS/2019tentang pemeriksaan lapangan untuk semua jenispajak tahun pajak 2018. Sampai dengan tanggallaporan keuangan, hasil pemeriksaan belum dapatditentukan.
On July 17, 2019, the Company received FieldExamination Notification Letter No. Pemb-00202/WPJ.19/KP.0105/RIK.SIS/2019 regardingfield examination for all taxes for fiscal year 2018.Up to the completion date of the financialstatements, the result of this examination cannot yetbe determined.
Administrasi Administration
Berdasarkan Undang-undang Perpajakan yangberlaku di Indonesia, Perusahaan menghitung,menetapkan dan membayar sendiri besarnyajumlah pajak yang terutang. DJP dapat menetapkanatau mengubah liabilitas pajak dalam batas waktu 5(lima) tahun sejak saat terutangnya pajak untuktahun fiskal 2008 dan tahun-tahun selanjutnya.
Under the prevailing Taxation Laws of Indonesia,the Company calculates, determines and pays taxpayable based on self-assessment. The DGT mayassess or amend taxes within five (5) years from thetime the tax becomes due for the fiscal year 2008and subsequent years.
Perhitungan pajak penghasilan untuk tahun yangberakhir pada tanggal 31 Desember2019 sebagaimana diungkapkan dalam Catatan 14akan menjadi dasar dalam pengisian suratPemberitahuan Tahunan (SPT) Pajak PenghasilanBadan.
The income tax calculation for the year endedDecember 31, 2019 as disclosed in Note 14 will bethe basis in filing Annual Corporate Income TaxReturn.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
79
15. UTANG LAIN-LAIN 15. OTHER PAYABLES
31 Desember/December 31,
2019 2018
Pihak ketiga Third partiesRupiah RupiahUtang dealer 55.350 55.572 Payables to dealersUtang asuransi 32.142 27.587 Insurance payablesUtang promosi 15.503 17.696 Promotion payablesUtang pembiayaan konsumen - Consumer financing loans -
kendaraan (Catatan 8) 4.302 7.785 vehicles (Note 8)Setoran konsumen 1.745 10.098 Consumers’ advancesUtang notaris - 23.858 Notary payablesLain-lain 36.545 71.697 Others
Subtotal 145.587 214.293 Subtotal
Pihak-pihak berelasi Related partiesRupiah RupiahUtang pembiayaan konsumen - Consumer financing loans -
kendaraan (Catatan 8 dan 28) 10.711 7.857 vehicles (Notes 8 and 28)Utang dealer (Catatan 28) 811 733 Payables to dealers (Note 28)Utang asuransi (Catatan 28) 714 - Insurance payable (Note 28)Utang atas transaksi pembiayaan Payable on joint financing
bersama (Catatan 5, 27, dan 28) 484 16.314 (Notes 5, 27, and 28)
Subtotal 12.720 24.904 Subtotal
Total 158.307 239.197 Total
Utang dealer merupakan utang kepada dealersehubungan dengan transaksi pembeliankendaraan bermotor roda dua oleh Perusahaanuntuk pembiayaan konsumen.
Payables to dealers represent payables inconnection with purchase transactions of two-wheeled motor vehicles by the Company forconsumer financing.
Utang asuransi merupakan premi asuransi yangbelum dibayarkan kepada perusahaan asuransi.
Insurance payables represent insurance premiumsthat have not been paid yet to the insurancecompany.
Setoran konsumen merupakan utang yang timbulsehubungan dengan penerimaan angsuran darikonsumen dan penerimaan penjualan agunan yangditarik kembali dari dealer yang belum dilunasi.
Consumers’ advances represent payables inconnection with the installment payment fromcustomers and cash received from sales ofrepossessed motor vehicles from dealers that havenot been settled.
Utang pembiayaan konsumen kendaraanmerupakan fasilitas pembiayaan kendaraan yangdiperoleh dari PT Maybank Indonesia Finance Tbk,pihak berelasi (Catatan 28), PT Clipan FinanceIndonesia Tbk, dan PT Mandiri Tunas Financedengan bunga efektif tahunan masing-masingsebesar 9,82%, 10,62%, dan 10,90% untuk tahunyang berakhir pada tanggal 31 Desember 2019 dan9,63%, 10,62%, dan 10,90% untuk tahun yangberakhir pada tanggal 31 Desember 2018. Fasilitasini dijamin dengan penyerahan hak kepemilikansecara fidusia atas kendaraan yang dibiayaitersebut (Catatan 8).
Consumer financing loans vehicles representvehicles financing facilities obtained from PTMaybank Indonesia Finance Tbk, a related party(Note 28), PT Clipan Finance Indonesia Tbk, andPT Mandiri Tunas Finance with annual effectiveinterest rates of 9.82%, 10.62%, and 10.90% for theyear ended December 31, 2019 and 9.63%,10.62%, and 10.90% for the year ended December31, 2018, respectively. These facilities arecollateralized by fiduciary transfers of ownership onthe assets financed (Note 8).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH450
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
80
16. UTANG OBLIGASI 16. BONDS PAYABLE
31 Desember/December 31,
2019 2018
Nilai nominal obligasi Nominal value of bondsPihak ketiga 2.575.000 2.453.500 Third partiesPihak berelasi (Catatan 28) 80.000 80.000 Related party (Note 28)
2.655.000 2.533.500Dikurangi biaya emisi obligasi
ditangguhkan (setelah dikurangi Less unamortized bonds issuance costsakumulasi amortisasi sebesar (net of accumulated amortization ofRp83.279 dan Rp74.954 Rp83,279 and Rp74,954pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) and 2018,(Catatan 25) respectively) (Note 25)Pihak ketiga (3.367) (4.744) Third partiesPihak berelasi (Catatan 28) (93) (159) Related party (Note 28)
(3.460) (4.903)
Neto 2.651.540 2.528.597 Net
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Kisaran suku bunga kontraktual tahunan Range of contractual annual interest ratesMata uang Rupiah 6,85% - 10,00% 6,85% - 10,80% Rupiah currency
Rincian nilai nominal utang obligasi pada tanggal31 Desember 2019 dan 2018 menurut tahun jatuhtemponya adalah sebagai berikut:
The details of nominal value of the bonds payableas of December 31, 2019 and 2018 by year ofmaturity are as follows:
31 Desember/December 31, 2019
Tahun
ObligasiBerkelanjutan
IITahap II/
ContinuingBonds IIPhase II
ObligasiBerkelanjutan
IITahap III/
ContinuingBonds IIPhase III
ObligasiBerkelanjutan
IITahap IV/
ContinuingBonds IIPhase IV
ObligasiBerkelanjutan
IITahap V/
ContinuingBonds IIPhase V
ObligasiBerkelanjutan
IIITahap I/
ContinuingBonds IIIPhase I
ObligasiBerkelanjutan
IIITahap II/
ContinuingBonds IIIPhase II
Total/Total Year
Pihak ketigaThird
parties
2020 320.500 206.000 55.000 - 40.000 931.500 1.553.000 2020
2021 - - 112.000 67.500 119.000 125.500 424.000 2021
2022 - - - - - 598.000 598.000 2022
Subtotal 320.500 206.000 167.000 67.500 159.000 1.655.000 2.575.000 Subtotal
Pihak berelasi(Catatan 28)
Relatedparty
(Note 28)
2020 - 60.000 - - - - 60.000 2020
2022 - - - - - 20.000 20.000 2022
Subtotal - 60.000 - - - 20.000 80.000 Subtotal
Total 320.500 266.000 167.000 67.500 159.000 1.675.000 2.655.000 Total
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
451
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
80
16. UTANG OBLIGASI 16. BONDS PAYABLE
31 Desember/December 31,
2019 2018
Nilai nominal obligasi Nominal value of bondsPihak ketiga 2.575.000 2.453.500 Third partiesPihak berelasi (Catatan 28) 80.000 80.000 Related party (Note 28)
2.655.000 2.533.500Dikurangi biaya emisi obligasi
ditangguhkan (setelah dikurangi Less unamortized bonds issuance costsakumulasi amortisasi sebesar (net of accumulated amortization ofRp83.279 dan Rp74.954 Rp83,279 and Rp74,954pada tanggal 31 Desember 2019 as of December 31, 2019dan 2018) and 2018,(Catatan 25) respectively) (Note 25)Pihak ketiga (3.367) (4.744) Third partiesPihak berelasi (Catatan 28) (93) (159) Related party (Note 28)
(3.460) (4.903)
Neto 2.651.540 2.528.597 Net
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Kisaran suku bunga kontraktual tahunan Range of contractual annual interest ratesMata uang Rupiah 6,85% - 10,00% 6,85% - 10,80% Rupiah currency
Rincian nilai nominal utang obligasi pada tanggal31 Desember 2019 dan 2018 menurut tahun jatuhtemponya adalah sebagai berikut:
The details of nominal value of the bonds payableas of December 31, 2019 and 2018 by year ofmaturity are as follows:
31 Desember/December 31, 2019
Tahun
ObligasiBerkelanjutan
IITahap II/
ContinuingBonds IIPhase II
ObligasiBerkelanjutan
IITahap III/
ContinuingBonds IIPhase III
ObligasiBerkelanjutan
IITahap IV/
ContinuingBonds IIPhase IV
ObligasiBerkelanjutan
IITahap V/
ContinuingBonds IIPhase V
ObligasiBerkelanjutan
IIITahap I/
ContinuingBonds IIIPhase I
ObligasiBerkelanjutan
IIITahap II/
ContinuingBonds IIIPhase II
Total/Total Year
Pihak ketigaThird
parties
2020 320.500 206.000 55.000 - 40.000 931.500 1.553.000 2020
2021 - - 112.000 67.500 119.000 125.500 424.000 2021
2022 - - - - - 598.000 598.000 2022
Subtotal 320.500 206.000 167.000 67.500 159.000 1.655.000 2.575.000 Subtotal
Pihak berelasi(Catatan 28)
Relatedparty
(Note 28)
2020 - 60.000 - - - - 60.000 2020
2022 - - - - - 20.000 20.000 2022
Subtotal - 60.000 - - - 20.000 80.000 Subtotal
Total 320.500 266.000 167.000 67.500 159.000 1.675.000 2.655.000 Total
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
81
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
31 Desember/December 31, 2018
Tahun
ObligasiBerkelanjutan
II Tahap I/
ContinuingBonds IIPhase I
ObligasiBerkelanjutan
IITahap II/
ContinuingBonds IIPhase II
ObligasiBerkelanjutan
IITahap III/
ContinuingBonds IIPhase III
ObligasiBerkelanjutan
IITahap IV/
ContinuingBonds IIPhase IV
ObligasiBerkelanjutan
IITahap V/
ContinuingBonds IIPhase V
ObligasiBerkelanjutan
IIITahap I/
ContinuingBonds IIIPhase I
Total/Total Year
Pihak ketigaThird
parties
2019 223.000 - - 626.000 293.000 411.500 1.553.500 2019
2020 - 320.500 186.000 55.000 - 40.000 601.500 2020
2021 - - - 112.000 67.500 119.000 298.500 2021
Subtotal 223.000 320.500 186.000 793.000 360.500 570.500 2.453.500 Subtotal
Pihak berelasi(Catatan 28)
Relatedparty
(Note 28)
2020 - - 80.000 - - - 80.000 2020
Subtotal - - 80.000 - - - 80.000 Subtotal
Total 223.000 320.500 266.000 793.000 360.500 570.500 2.533.500 Total
Obligasi Berkelanjutan I Tahap III WOM FinanceTahun 2015
Continuing Bonds I Phase III WOM Finance Year2015
Pada tanggal 2 April 2015, Perusahaan menerbitkanObligasi Berkelanjutan I Tahap III WOM FinanceTahun 2015 Dengan Tingkat Suku Bunga Tetap(“Obligasi Berkelanjutan I Tahap III”) dengan nilainominal sebesar Rp1.000.000, yang ditawarkanpada nilai nominal (Catatan 1c).
On April 2, 2015, the Company issued ContinuingBonds I Phase III WOM Finance Year 2015 WithFixed Interest Rate (“Continuing Bonds I Phase III”)with a nominal value of Rp1,000,000, which wereoffered at par (Note 1c).
Obligasi Berkelanjutan I Tahap III ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanI Tahap III Seri A dengan nilai nominal sebesarRp140.000 dengan tingkat suku bunga tetapsebesar 9,25% per tahun, Obligasi Berkelanjutan ITahap III Seri B dengan nilai nominal sebesarRp860.000 dengan tingkat suku bunga tetapsebesar 10,25% per tahun.
These Continuing Bonds I Phase III are seriesbonds consisting of Continuing Bonds I Phase IIISeries A with a nominal value of Rp140,000 and afixed interest rate of 9.25% per annum, ContinuingBonds I Phase III Series B witha nominal value of Rp860,000 and a fixed interestrate of 10.25% per annum.
Bunga Obligasi Berkelanjutan I Tahap III dibayarkansetiap triwulan (tiga bulan) sejak Tanggal Emisi,dimana bunga Obligasi Berkelanjutan I Tahap IIISeri A dan B pertama telah dibayarkan pada tanggal2 Juli 2015. Bunga Obligasi Berkelanjutan I TahapIII terakhir yang sekaligus jatuh tempo denganmasing-masing seri Obligasi Berkelanjutan I TahapIII, telah dibayarkan pada tanggal 12 April 2016untuk Seri A dan pada tanggal 2 April 2018 untukSeri B.
The Continuing Bonds I Phase III interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds I Phase IIISeries A and B interest has been paid on July 2,2015. The last Continuing Bonds I Phase III interest,which falls due at the maturity of each series of theContinuing Bonds I Phase III, has been paid on April12, 2016 for Series A and on April 2, 2018 for SeriesB.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 71/DIR/RAT/III/2018 tanggal 16 Maret 2018 dariFitch Ratings, Obligasi Berkelanjutan I Tahap IIItersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 71/DIR/RAT/III/2018 dated March 16, 2018 fromFitch Ratings, the Continuing Bonds I Phase III arerated at “AA-(idn)” (Double A, Negative RatingWatch).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH452
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
82
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan I Tahap III WOM FinanceTahun 2015 (lanjutan)
Continuing Bonds I Phase III WOM Finance Year2015 (continued)
Obligasi Berkelanjutan I Tahap III ini dijamin secarafidusia dengan piutang Perusahaan kepada pihakketiga sehubungan dengan pembiayaan pembeliankendaraan bermotor dengan kategori lancar yangnilai seluruhnya tidak kurang dari 60,00% darijumlah pokok Obligasi Berkelanjutan I Tahap IIIyang terutang (Catatan 5).
These Continuing Bonds I Phase III are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds I Phase III payable (Note 5).
Penerbitan Obligasi Berkelanjutan I Tahap IIIdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan I Tahap IIIWOM Finance Tahun 2015 No. 30 tanggal 16 Maret2015, yang dibuat di hadapan Ir. Nanette CahyanieHandari Adi Warsito, S.H., Notaris di Jakarta, antaraPerusahaan dengan PT Bank Mandiri (Persero)Tbk.
The issuance of Continuing Bonds I Phase III iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds I Phase III WOM Finance Year2015 No. 30 dated March 16, 2015 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankMandiri (Persero) Tbk.
Obligasi Berkelanjutan I Tahap III Seri A telah jatuhtempo dan dilunasi pada tanggal 12 April 2016.
The Continuing Bonds I Phase III Series A maturedand was fully paid on April 12, 2016.
Obligasi Berkelanjutan I Tahap III Seri B telah jatuhtempo dan dilunasi pada tanggal 2 April 2018.
The Continuing Bonds I Phase III Series B maturedand was fully paid on April 2, 2018.
Obligasi Berkelanjutan I Tahap IV WOM FinanceTahun 2015
Continuing Bonds I Phase IV WOM Finance Year2015
Pada tanggal 22 Desember 2015, Perusahaanmenerbitkan Obligasi Berkelanjutan I Tahap IVWOM Finance Tahun 2015 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan I Tahap IV”)dengan nilai nominal sebesar Rp600.000, yangditawarkan pada nilai nominal (Catatan 1c).
On December 22, 2015, the Company issuedContinuing Bonds I Phase IV WOM Finance Year2015 With Fixed Interest Rate (“Continuing Bonds IPhase IV”) with a nominal value of Rp600,000,which were offered at par (Note 1c).
Obligasi Berkelanjutan I Tahap IV ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanI Tahap IV Seri A dengan nilai nominal sebesarRp203.000 dengan tingkat suku bunga tetapsebesar 9,35% per tahun, Obligasi Berkelanjutan ITahap IV Seri B dengan nilai nominal sebesarRp397.000 dengan tingkat suku bunga tetapsebesar 10,80% per tahun.
These Continuing Bonds I Phase IV are seriesbonds consisting of Continuing Bonds I Phase IVSeries A with a nominal value of Rp203,000 and afixed interest rate of 9.35% per annum, ContinuingBonds I Phase IV Series B witha nominal value of Rp397,000 and a fixed interestrate of 10.80% per annum.
Bunga Obligasi Berkelanjutan I Tahap IV dibayarkansetiap triwulan (tiga bulan) sejak Tanggal Emisi,dimana bunga Obligasi Berkelanjutan I Tahap IVSeri A dan B pertama telah dibayarkan pada tanggal22 Maret 2016. Bunga Obligasi Berkelanjutan ITahap IV terakhir yang sekaligus jatuh tempodengan masing-masing seri Obligasi BerkelanjutanI Tahap IV telah dibayarkan pada tanggal 2 Januari2017 untuk Seri A dan pada tanggal 22 Desember2018 untuk Seri B.
The Continuing Bonds I Phase IV interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds I PhaseIV Series A and B interest has been paid onMarch 22, 2016. The last Continuing Bonds I PhaseIV interest, which falls due at the maturity of eachseries of the Continuing Bonds I Phase IV, has beenpaid on January 2, 2017 for Series A and onDecember 22, 2018 for Series B.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
453
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
82
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan I Tahap III WOM FinanceTahun 2015 (lanjutan)
Continuing Bonds I Phase III WOM Finance Year2015 (continued)
Obligasi Berkelanjutan I Tahap III ini dijamin secarafidusia dengan piutang Perusahaan kepada pihakketiga sehubungan dengan pembiayaan pembeliankendaraan bermotor dengan kategori lancar yangnilai seluruhnya tidak kurang dari 60,00% darijumlah pokok Obligasi Berkelanjutan I Tahap IIIyang terutang (Catatan 5).
These Continuing Bonds I Phase III are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds I Phase III payable (Note 5).
Penerbitan Obligasi Berkelanjutan I Tahap IIIdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan I Tahap IIIWOM Finance Tahun 2015 No. 30 tanggal 16 Maret2015, yang dibuat di hadapan Ir. Nanette CahyanieHandari Adi Warsito, S.H., Notaris di Jakarta, antaraPerusahaan dengan PT Bank Mandiri (Persero)Tbk.
The issuance of Continuing Bonds I Phase III iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds I Phase III WOM Finance Year2015 No. 30 dated March 16, 2015 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankMandiri (Persero) Tbk.
Obligasi Berkelanjutan I Tahap III Seri A telah jatuhtempo dan dilunasi pada tanggal 12 April 2016.
The Continuing Bonds I Phase III Series A maturedand was fully paid on April 12, 2016.
Obligasi Berkelanjutan I Tahap III Seri B telah jatuhtempo dan dilunasi pada tanggal 2 April 2018.
The Continuing Bonds I Phase III Series B maturedand was fully paid on April 2, 2018.
Obligasi Berkelanjutan I Tahap IV WOM FinanceTahun 2015
Continuing Bonds I Phase IV WOM Finance Year2015
Pada tanggal 22 Desember 2015, Perusahaanmenerbitkan Obligasi Berkelanjutan I Tahap IVWOM Finance Tahun 2015 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan I Tahap IV”)dengan nilai nominal sebesar Rp600.000, yangditawarkan pada nilai nominal (Catatan 1c).
On December 22, 2015, the Company issuedContinuing Bonds I Phase IV WOM Finance Year2015 With Fixed Interest Rate (“Continuing Bonds IPhase IV”) with a nominal value of Rp600,000,which were offered at par (Note 1c).
Obligasi Berkelanjutan I Tahap IV ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanI Tahap IV Seri A dengan nilai nominal sebesarRp203.000 dengan tingkat suku bunga tetapsebesar 9,35% per tahun, Obligasi Berkelanjutan ITahap IV Seri B dengan nilai nominal sebesarRp397.000 dengan tingkat suku bunga tetapsebesar 10,80% per tahun.
These Continuing Bonds I Phase IV are seriesbonds consisting of Continuing Bonds I Phase IVSeries A with a nominal value of Rp203,000 and afixed interest rate of 9.35% per annum, ContinuingBonds I Phase IV Series B witha nominal value of Rp397,000 and a fixed interestrate of 10.80% per annum.
Bunga Obligasi Berkelanjutan I Tahap IV dibayarkansetiap triwulan (tiga bulan) sejak Tanggal Emisi,dimana bunga Obligasi Berkelanjutan I Tahap IVSeri A dan B pertama telah dibayarkan pada tanggal22 Maret 2016. Bunga Obligasi Berkelanjutan ITahap IV terakhir yang sekaligus jatuh tempodengan masing-masing seri Obligasi BerkelanjutanI Tahap IV telah dibayarkan pada tanggal 2 Januari2017 untuk Seri A dan pada tanggal 22 Desember2018 untuk Seri B.
The Continuing Bonds I Phase IV interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds I PhaseIV Series A and B interest has been paid onMarch 22, 2016. The last Continuing Bonds I PhaseIV interest, which falls due at the maturity of eachseries of the Continuing Bonds I Phase IV, has beenpaid on January 2, 2017 for Series A and onDecember 22, 2018 for Series B.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
83
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan I Tahap IV WOM FinanceTahun 2015 (lanjutan)
Continuing Bonds I Phase IV WOM Finance Year2015 (continued)
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 71/DIR/RAT/III/2018 tanggal 16 Maret 2018 dariFitch Ratings, Obligasi Berkelanjutan I Tahap IVtersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 71/DIR/RAT/III/2018 dated March 16, 2018 fromFitch Ratings, the Continuing Bonds I Phase IV arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Obligasi Berkelanjutan I Tahap IV ini dijamin secarafidusia dengan piutang Perusahaan kepada pihakketiga sehubungan dengan pembiayaan pembeliankendaraan bermotor dengan kategori lancar yangnilai seluruhnya tidak kurang dari 60,00% darijumlah pokok Obligasi Berkelanjutan I Tahap IVyang terutang (Catatan 5).
These Continuing Bonds I Phase IV are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds I Phase IVpayable (Note 5).
Penerbitan Obligasi Berkelanjutan I Tahap IVdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan I Tahap IVWOM Finance Tahun 2015 No. 6 tanggal3 Desember 2015, yang dibuat di hadapanIr. Nanette Cahyanie Handari Adi Warsito, S.H.,Notaris di Jakarta, antara Perusahaan denganPT Bank Mandiri (Persero) Tbk.
The issuance of Continuing Bonds I Phase IV iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds I Phase IV WOM Finance Year2015 No. 6 dated December 3, 2015 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankMandiri (Persero) Tbk.
Obligasi Berkelanjutan I Tahap IV Seri B telah jatuhtempo dan dilunasi pada tanggal 22 Desember2018.
The Continuing Bonds I Phase IV Series B maturedand was fully paid on December 22, 2018.
Obligasi Berkelanjutan II Tahap I WOM FinanceTahun 2016
Continuing Bonds II Phase I WOM Finance Year2016
Pada tanggal 24 Juni 2016, Perusahaanmenerbitkan Obligasi Berkelanjutan II Tahap I WOMFinance Tahun 2016 Dengan Tingkat Suku BungaTetap (“Obligasi Berkelanjutan II Tahap I”) dengannilai nominal sebesar Rp665.000, yang ditawarkanpada nilai nominal (Catatan 1c).
On June 24, 2016, the Company issued ContinuingBonds II Phase I WOM Finance Year 2016 WithFixed Interest Rate (“Continuing Bonds II Phase I”)with a nominal value of Rp665,000, which wereoffered at par (Note 1c).
Obligasi Berkelanjutan II Tahap I ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanII Tahap I Seri A dengan nilai nominal sebesarRp442.000 dengan tingkat suku bunga tetapsebesar 8,50% per tahun, Obligasi Berkelanjutan IITahap I Seri B dengan nilai nominal sebesarRp223.000 dengan tingkat suku bunga tetapsebesar 9,50% per tahun.
These Continuing Bonds II Phase I are series bondsconsisting of Continuing Bonds II Phase I Series Awith a nominal value of Rp442,000 and a fixedinterest rate of 8.50% per annum, Continuing BondsII Phase I Series B with a nominal value ofRp223,000 and a fixed interest rate of 9.50% perannum.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH454
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
84
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap I WOM FinanceTahun 2016 (lanjutan)
Continuing Bonds II Phase I WOM Finance Year2016 (continued)
Bunga Obligasi Berkelanjutan II Tahap I dibayarkansetiap triwulan (tiga bulan) sejak Tanggal Emisi,dimana bunga Obligasi Berkelanjutan II Tahap I SeriA dan B pertama telah dibayarkan pada tanggal24 September 2016. Bunga Obligasi BerkelanjutanII Tahap I terakhir yang sekaligus jatuh tempodengan masing-masing seri Obligasi BerkelanjutanII Tahap I telah dibayarkan pada tanggal 4 Juli 2017untuk Seri A dan pada tanggal 24 Juni 2019 untukSeri B.
The Continuing Bonds II Phase I interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds II Phase ISeries A and B interest has been paid onSeptember 24, 2016. The last Continuing Bonds IIPhase I interest, which falls due at the maturity ofeach series of the Continuing Bonds II Phase I, hasbeen paid on July 4, 2017 for Series A and on June24, 2019 for Series B.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan II Tahap Itersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds II Phase I arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Obligasi Berkelanjutan II Tahap I ini dijamin secarafidusia dengan piutang Perusahaan kepada pihakketiga sehubungan dengan pembiayaan pembeliankendaraan bermotor dengan kategori lancar yangnilai seluruhnya tidak kurang dari 60,00% darijumlah pokok Obligasi Berkelanjutan II Tahap I yangterutang (Catatan 5).
These Continuing Bonds II Phase I are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds II Phase Ipayable (Note 5).
Penerbitan Obligasi Berkelanjutan II Tahap Idilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap IWOM Finance Tahun 2016 No. 31 tanggal30 Juni 2016, yang dibuat di hadapan Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notaris diJakarta, antara Perusahaan dengan PT BankPermata Tbk.
The issuance of Continuing Bonds II Phase I iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase I WOM Finance Year2016 No. 31 dated June 30, 2016 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankPermata Tbk.
Berdasarkan Surat Keterangan No. Ref0577/SK/SAS/TS/WB/II/2017, terhitung sejaktanggal 15 November 2017 saat diselenggarakanRapat Umum Pemegang Obligasi (RUPO), PT BankPermata Tbk berhenti menjadi wali amanat ObligasiBerkelanjutan II Tahap I Tahun 2016 sehingga untukselanjutnya tugas dan tanggung jawab wali amanatakan beralih kepada wali amanat yang baru yaitu PTBank Rakyat Indonesia (Persero) Tbk yang berlakuefektif sejak RUPO ditutup.
Based on Letter No. Ref0577/SK/SAS/TS/WB/II/2017, starting fromNovember 15, 2017 when a General Meeting ofBondholders (RUPO) is held, PT Bank Permata Tbkwas no longer become trustee of Continuing BondsII Phase I WOM Finance Year 2016, so for thesubsequent duties and responsibilities of the trusteewill be continued by PT Bank Rakyat Indonesia(Persero) Tbk as the new trustee which is effectivesince RUPO closed.
Obligasi berkelanjutan II Tahap I Seri A telah jatuhtempo dan dilunasi pada tanggal 4 Juli 2017.
Continuing Bonds II Phase I Series A matured andwas fully paid on July 4, 2017.
Obligasi berkelanjutan II Tahap I Seri B telah jatuhtempo dan dilunasi pada tanggal 24 Juni 2019.
Continuing Bonds II Phase I Series B matured andwas fully paid on June 24, 2019.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
455
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
84
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap I WOM FinanceTahun 2016 (lanjutan)
Continuing Bonds II Phase I WOM Finance Year2016 (continued)
Bunga Obligasi Berkelanjutan II Tahap I dibayarkansetiap triwulan (tiga bulan) sejak Tanggal Emisi,dimana bunga Obligasi Berkelanjutan II Tahap I SeriA dan B pertama telah dibayarkan pada tanggal24 September 2016. Bunga Obligasi BerkelanjutanII Tahap I terakhir yang sekaligus jatuh tempodengan masing-masing seri Obligasi BerkelanjutanII Tahap I telah dibayarkan pada tanggal 4 Juli 2017untuk Seri A dan pada tanggal 24 Juni 2019 untukSeri B.
The Continuing Bonds II Phase I interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds II Phase ISeries A and B interest has been paid onSeptember 24, 2016. The last Continuing Bonds IIPhase I interest, which falls due at the maturity ofeach series of the Continuing Bonds II Phase I, hasbeen paid on July 4, 2017 for Series A and on June24, 2019 for Series B.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan II Tahap Itersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds II Phase I arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Obligasi Berkelanjutan II Tahap I ini dijamin secarafidusia dengan piutang Perusahaan kepada pihakketiga sehubungan dengan pembiayaan pembeliankendaraan bermotor dengan kategori lancar yangnilai seluruhnya tidak kurang dari 60,00% darijumlah pokok Obligasi Berkelanjutan II Tahap I yangterutang (Catatan 5).
These Continuing Bonds II Phase I are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds II Phase Ipayable (Note 5).
Penerbitan Obligasi Berkelanjutan II Tahap Idilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap IWOM Finance Tahun 2016 No. 31 tanggal30 Juni 2016, yang dibuat di hadapan Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notaris diJakarta, antara Perusahaan dengan PT BankPermata Tbk.
The issuance of Continuing Bonds II Phase I iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase I WOM Finance Year2016 No. 31 dated June 30, 2016 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankPermata Tbk.
Berdasarkan Surat Keterangan No. Ref0577/SK/SAS/TS/WB/II/2017, terhitung sejaktanggal 15 November 2017 saat diselenggarakanRapat Umum Pemegang Obligasi (RUPO), PT BankPermata Tbk berhenti menjadi wali amanat ObligasiBerkelanjutan II Tahap I Tahun 2016 sehingga untukselanjutnya tugas dan tanggung jawab wali amanatakan beralih kepada wali amanat yang baru yaitu PTBank Rakyat Indonesia (Persero) Tbk yang berlakuefektif sejak RUPO ditutup.
Based on Letter No. Ref0577/SK/SAS/TS/WB/II/2017, starting fromNovember 15, 2017 when a General Meeting ofBondholders (RUPO) is held, PT Bank Permata Tbkwas no longer become trustee of Continuing BondsII Phase I WOM Finance Year 2016, so for thesubsequent duties and responsibilities of the trusteewill be continued by PT Bank Rakyat Indonesia(Persero) Tbk as the new trustee which is effectivesince RUPO closed.
Obligasi berkelanjutan II Tahap I Seri A telah jatuhtempo dan dilunasi pada tanggal 4 Juli 2017.
Continuing Bonds II Phase I Series A matured andwas fully paid on July 4, 2017.
Obligasi berkelanjutan II Tahap I Seri B telah jatuhtempo dan dilunasi pada tanggal 24 Juni 2019.
Continuing Bonds II Phase I Series B matured andwas fully paid on June 24, 2019.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
85
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap I WOM FinanceTahun 2016 (lanjutan)
Continuing Bonds II Phase I WOM Finance Year2016 (continued)
Pada tanggal 31 Desember 2018, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan II Tahap I sebesarRp133.800 (Catatan 5).
As of December 31, 2018, the consumer financingreceivables pledged as collateral to the ContinuingBonds II Phase I amounting to Rp133,800 (Note 5).
Obligasi Berkelanjutan II Tahap II WOM FinanceTahun 2017
Continuing Bonds II Phase II WOM Finance Year2017
Pada tanggal 22 Agustus 2017, Perusahaanmenerbitkan Obligasi Berkelanjutan II Tahap IIWOM Finance Tahun 2017 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan II Tahap II”)dengan nilai nominal sebesar Rp720.500, yangditawarkan pada nilai nominal (Catatan 1c).
On August 22, 2017, the Company issuedContinuing Bonds II Phase II WOM Finance Year2017 With Fixed Interest Rate (“Continuing Bonds IIPhase II”) with a nominal value of Rp720,500, whichwere offered at par (Note 1c).
Obligasi Berkelanjutan II Tahap II ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanII Tahap II seri A dengan nilai nominal Rp400.000dengan tingkat suku bunga tetap sebesar 7,80% pertahun, Obligasi Berkelanjutan II Tahap II Seri Bdengan nilai nominal sebesar Rp320.500 dengantingkat suku bunga tetap sebesar 8,90% per tahun.
These Continuing Bonds II Phase II are seriesbonds consisting of Continuing Bonds II Phase IISeries A with a nominal value of Rp400,000 and afixed interest rate of 7.80% per annum, ContinuingBonds II Phase II Series B witha nominal value of Rp320,500 and a fixed interestrate of 8.90% per annum.
Bunga Obligasi Berkelanjutan II Tahap II dibayarkansetiap triwulan (tiga bulan) sejak Tanggal Emisi,dimana bunga Obligasi Berkelanjutan II Tahap IISeri A dan B pertama telah dibayarkan pada tanggal22 November 2017. Bunga Obligasi Berkelanjutan IITahap II terakhir yang sekaligus jatuh tempo denganmasing-masing seri Obligasi Berkelanjutan II TahapII telah dibayarkan pada tanggal 1 September 2018untuk Seri A dan akan dibayarkan pada tanggal22 Agustus 2020 untuk Seri B.
The Continuing Bonds II Phase II interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds II PhaseII Series A and B interest has been paid onNovember 22, 2017. The last Continuing Bonds IIPhase II interest, which falls due at the maturity ofeach series of the Continuing Bonds II Phase II, hasbeen paid on September 1, 2018 for Series A andwill be paid on August 22, 2020 for Series B.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan II Tahap IItersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds II Phase II arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Penerbitan Obligasi Berkelanjutan II Tahap IIdijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan II Tahap II yang terutang (Catatan 5).
These Continuing Bonds II Phase II are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds II Phase II payable (Note 5).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH456
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
86
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap II WOM FinanceTahun 2017 (lanjutan)
Continuing Bonds II Phase II WOM Finance Year2017 (continued)
Penerbitan Obligasi Berkelanjutan II Tahap IIdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap IIWOM Finance Tahun 2017 No. 03 tanggal1 Agustus 2017 di hadapan Ir. Nanette CahyanieHandari Adi Warsito, S.H., Notaris di Jakarta, antaraPerusahaan dengan PT Bank Permata Tbk.
The issuance of Continuing Bonds II Phase II iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase II WOM Finance Year2017 No. 03 dated August 1, 2017 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankPermata Tbk.
Berdasarkan Surat Keterangan No. Ref0577/SK/SAS/TS/WB/II/2017, terhitung sejaktanggal 15 November 2017 saat diselenggarakanRapat Umum Pemegang Obligasi (RUPO),PT Bank Permata Tbk berhenti menjadi wali amanatObligasi Berkelanjutan II Tahap II Tahun 2017sehingga untuk selanjutnya tugas dan tanggungjawab wali amanat akan beralih kepada wali amanatyang baru yaitu PT Bank Rakyat Indonesia(Persero) Tbk yang berlaku efektif sejak RUPOditutup.
Based on Letter No. Ref0577/SK/SAS/TS/WB/II/2017, starting fromNovember 15, 2017 when a General Meeting ofBondholders (RUPO) was held, PT Bank PermataTbk was no longer become trustee of ContinuingBonds II Phase II WOM Finance Year 2017, so forthe subsequent duties and responsibilities of thetrustee will be continued by PT Bank RakyatIndonesia (Persero) Tbk as by the new trustee whichis effective since RUPO closed.
Obligasi berkelanjutan II Tahap II Seri A telah jatuhtempo dan dilunasi pada tanggal 1 September 2018.
Continuing Bonds II Phase II Series A matured andwas fully paid on September 1, 2018.
Pada tanggal 31 Desember 2019 dan 2018, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan II Tahap II masing-masingsebesar Rp192.300 dan Rp192.301 (Catatan 5).
As of December 31, 2019 and 2018, the consumerfinancing receivables pledged as collateral to theContinuing Bonds II Phase II amounting toRp192,300 and Rp192,301, respectively (Note 5).
Obligasi Berkelanjutan II Tahap III WOM FinanceTahun 2017
Continuing Bonds II Phase III WOM Finance Year2017
Pada tanggal 6 Desember 2017, Perusahaanmenerbitkan Obligasi Berkelanjutan II Tahap IIIWOM Finance Tahun 2017 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan II Tahap III”)dengan nilai nominal sebesar Rp867.500, yangditawarkan pada nilai nominal (Catatan 1c).
On December 6, 2017, the Company issuedContinuing Bonds II Phase III WOM Finance Year2017 With Fixed Interest Rate (“Continuing Bonds IIPhase III”) with a nominal value of Rp867,500, whichwere offered at par (Note 1c).
Obligasi Berkelanjutan II Tahap III ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanII Tahap III Seri A dengan nilai nominal Rp601.500dengan tingkat suku bunga tetap sebesar 7,15% pertahun, Obligasi Berkelanjutan II Tahap III Seri Bdengan nilai nominal sebesar Rp266.000 dengantingkat suku bunga tetap sebesar 8,45% per tahun.
These Continuing Bonds II Phase III are seriesbonds consisting of Continuing Bonds II Phase IIISeries A with a nominal value of Rp601,500 and afixed interest rate of 7.15% per annum, ContinuingBonds II Phase III Series B witha nominal value of Rp266,000 and a fixed interestrate of 8.45% per annum.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
457
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
86
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap II WOM FinanceTahun 2017 (lanjutan)
Continuing Bonds II Phase II WOM Finance Year2017 (continued)
Penerbitan Obligasi Berkelanjutan II Tahap IIdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap IIWOM Finance Tahun 2017 No. 03 tanggal1 Agustus 2017 di hadapan Ir. Nanette CahyanieHandari Adi Warsito, S.H., Notaris di Jakarta, antaraPerusahaan dengan PT Bank Permata Tbk.
The issuance of Continuing Bonds II Phase II iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase II WOM Finance Year2017 No. 03 dated August 1, 2017 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankPermata Tbk.
Berdasarkan Surat Keterangan No. Ref0577/SK/SAS/TS/WB/II/2017, terhitung sejaktanggal 15 November 2017 saat diselenggarakanRapat Umum Pemegang Obligasi (RUPO),PT Bank Permata Tbk berhenti menjadi wali amanatObligasi Berkelanjutan II Tahap II Tahun 2017sehingga untuk selanjutnya tugas dan tanggungjawab wali amanat akan beralih kepada wali amanatyang baru yaitu PT Bank Rakyat Indonesia(Persero) Tbk yang berlaku efektif sejak RUPOditutup.
Based on Letter No. Ref0577/SK/SAS/TS/WB/II/2017, starting fromNovember 15, 2017 when a General Meeting ofBondholders (RUPO) was held, PT Bank PermataTbk was no longer become trustee of ContinuingBonds II Phase II WOM Finance Year 2017, so forthe subsequent duties and responsibilities of thetrustee will be continued by PT Bank RakyatIndonesia (Persero) Tbk as by the new trustee whichis effective since RUPO closed.
Obligasi berkelanjutan II Tahap II Seri A telah jatuhtempo dan dilunasi pada tanggal 1 September 2018.
Continuing Bonds II Phase II Series A matured andwas fully paid on September 1, 2018.
Pada tanggal 31 Desember 2019 dan 2018, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan II Tahap II masing-masingsebesar Rp192.300 dan Rp192.301 (Catatan 5).
As of December 31, 2019 and 2018, the consumerfinancing receivables pledged as collateral to theContinuing Bonds II Phase II amounting toRp192,300 and Rp192,301, respectively (Note 5).
Obligasi Berkelanjutan II Tahap III WOM FinanceTahun 2017
Continuing Bonds II Phase III WOM Finance Year2017
Pada tanggal 6 Desember 2017, Perusahaanmenerbitkan Obligasi Berkelanjutan II Tahap IIIWOM Finance Tahun 2017 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan II Tahap III”)dengan nilai nominal sebesar Rp867.500, yangditawarkan pada nilai nominal (Catatan 1c).
On December 6, 2017, the Company issuedContinuing Bonds II Phase III WOM Finance Year2017 With Fixed Interest Rate (“Continuing Bonds IIPhase III”) with a nominal value of Rp867,500, whichwere offered at par (Note 1c).
Obligasi Berkelanjutan II Tahap III ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanII Tahap III Seri A dengan nilai nominal Rp601.500dengan tingkat suku bunga tetap sebesar 7,15% pertahun, Obligasi Berkelanjutan II Tahap III Seri Bdengan nilai nominal sebesar Rp266.000 dengantingkat suku bunga tetap sebesar 8,45% per tahun.
These Continuing Bonds II Phase III are seriesbonds consisting of Continuing Bonds II Phase IIISeries A with a nominal value of Rp601,500 and afixed interest rate of 7.15% per annum, ContinuingBonds II Phase III Series B witha nominal value of Rp266,000 and a fixed interestrate of 8.45% per annum.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
87
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap III WOM FinanceTahun 2017 (lanjutan)
Continuing Bonds II Phase III WOM Finance Year2017 (continued)
Bunga Obligasi Berkelanjutan II Tahap IIIdibayarkan setiap triwulan (tiga bulan) sejakTanggal Emisi, dimana bunga ObligasiBerkelanjutan II Tahap III Seri A dan B pertama telahdibayarkan pada tanggal 6 Maret 2018. BungaObligasi Berkelanjutan II Tahap III terakhir yangsekaligus jatuh tempo dengan masing-masing seriObligasi Berkelanjutan II Tahap III telah dibayarkanpada tanggal 16 Desember 2018 untuk Seri A danakan dibayarkan pada tanggal 6 Desember 2020untuk Seri B.
The Continuing Bonds II Phase III interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds II PhaseIII Series A and B interest has been paid on March6, 2018. The last Continuing Bonds II Phase IIIinterest, which falls due at the maturity of eachseries of the Continuing Bonds II Phase III, has beenpaid on December 16, 2018 for Series A and will bepaid on December 6, 2020 for Series B.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan II Tahap IIItersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds II Phase III arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Penerbitan Obligasi Berkelanjutan II Tahap IIIdijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan II Tahap III yang terutang (Catatan 5).
These Continuing Bonds II Phase III are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds II Phase IIIpayable (Note 5).
Penerbitan Obligasi Berkelanjutan II Tahap IIIdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap IIIWOM Finance Tahun 2017 No. 46 tanggal 16November 2017 di hadapan Ir. Nanette CahyanieHandari Adi Warsito, S.H., Notaris di Jakarta, antaraPerusahaan dengan PT Bank Rakyat Indonesia(Persero) Tbk.
The issuance of Continuing Bonds II Phase III iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase III WOM Finance Year2017 No. 46 dated November 16, 2017 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankRakyat Indonesia (Persero) Tbk.
Obligasi Berkelanjutan II Tahap III Seri A telah jatuhtempo dan dilunasi pada tanggal 16 Desember2018.
Continuing Bonds II Phase III Series A matured andwas fully paid on December 16, 2018.
Pada tanggal 31 Desember 2019 dan 2018, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan II Tahap III masing-masingsebesar Rp159.601 dan Rp159.601 (Catatan 5).
As of December 31, 2019 and 2018, the consumerfinancing receivables pledged as collateral to theContinuing Bonds II Phase III amounting toRp159,601 and Rp159,601, respectively (Note 5).
Obligasi Berkelanjutan II Tahap IV WOM FinanceTahun 2018
Continuing Bonds II Phase IV WOM Finance Year2018
Pada tanggal 6 April 2018, Perusahaan menerbitkanObligasi Berkelanjutan II Tahap IV WOM FinanceTahun 2018 Dengan Tingkat Suku Bunga Tetap(“Obligasi Berkelanjutan II Tahap IV”) dengan nilainominal sebesar Rp793.000, yang ditawarkan padanilai nominal (Catatan 1c).
On April 6, 2018, the Company issued ContinuingBonds II Phase IV WOM Finance Year 2018 WithFixed Interest Rate (“Continuing Bonds II Phase IV”)with a nominal value of Rp793,000, which wereoffered at par (Note 1c).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH458
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
88
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap IV WOM FinanceTahun 2018 (lanjutan)
Continuing Bonds II Phase IV WOM Finance Year2018 (continued)
Obligasi Berkelanjutan II Tahap IV ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanII Tahap IV Seri A dengan nilai nominal Rp626.000dengan tingkat suku bunga tetap sebesar 6,85% pertahun, Obligasi Berkelanjutan II Tahap IV Seri Bdengan nilai nominal sebesar Rp55.000 dengantingkat suku bunga tetap sebesar 7,50% per tahun,Obligasi Berkelanjutan II Tahap IV Seri C dengannilai nominal sebesar Rp112.000 dengan tingkatsuku bunga tetap sebesar 8,15% per tahun.
These Continuing Bonds II Phase IV are seriesbonds consisting of Continuing Bonds II Phase IVSeries A with a nominal value of Rp626,000 and afixed interest rate of 6.85% per annum, ContinuingBonds II Phase IV Series B with a nominal value ofRp55,000 and a fixed interest rate of 7.50% perannum, Continuing Bonds II Phase IV Series C witha nominal value of Rp112,000 and a fixed interestrate of 8.15% per annum.
Bunga Obligasi Berkelanjutan II Tahap IVdibayarkan setiap triwulan (tiga bulan) sejakTanggal Emisi, dimana bunga ObligasiBerkelanjutan II Tahap IV Seri A, B, dan C pertamatelah dibayarkan pada tanggal 6 Juli 2018. BungaObligasi Berkelanjutan II Tahap IV terakhir yangsekaligus jatuh tempo dengan masing-masing seriObligasi Berkelanjutan II Tahap IV telah dibayarkanpada tanggal 16 April 2019 untuk Seri A akandibayarkan, pada tanggal 6 April 2020 untuk Seri B, dan pada tanggal 6 April 2021 untuk Seri C.
The Continuing Bonds II Phase IV interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds II PhaseIV Series A, B, and C interest has been paid on July6, 2018. The last Continuing Bonds II Phase IVinterest, which falls due at the maturity of eachseries of the Continuing Bonds II Phase IV, hasbeen paid on April 16, 2019 for Series A, will be paidon April 6, 2020 for Series B, and on April 6, 2021for Series C.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan II Tahap IVtersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds II Phase IV arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Penerbitan Obligasi Berkelanjutan II Tahap IVdijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan II Tahap IV yang terutang (Catatan 5).
These Continuing Bonds II Phase IV are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds II Phase IVpayable (Note 5).
Penerbitan Obligasi Berkelanjutan II Tahap IVdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap IVWOM Finance Tahun 2018 No. 94 tanggal 5 Maret2018, sebagaimana diubah dengan Addendum IPerjanjian Perwaliamanatan No. 129 tanggal20 Maret 2018, yang keduanya dibuat di hadapanIr. Nanette Cahyanie Handari Adi Warsito, S.H.,Notaris di Jakarta, antara Perusahaan denganPT Bank Rakyat Indonesia (Persero) Tbk.
The issuance of Continuing Bonds II Phase IV iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase IV WOM Finance Year2018 No. 94 dated March 5, 2018, as amended bythe Deed of Amendment I on the TrusteeshipAgreement No. 129 dated March 20, 2018, all of Ir.Nanette Cahyanie Handari Adi Warsito, S.H., Notaryin Jakarta, between the Company and PT BankRakyat Indonesia (Persero) Tbk.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
459
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
88
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap IV WOM FinanceTahun 2018 (lanjutan)
Continuing Bonds II Phase IV WOM Finance Year2018 (continued)
Obligasi Berkelanjutan II Tahap IV ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanII Tahap IV Seri A dengan nilai nominal Rp626.000dengan tingkat suku bunga tetap sebesar 6,85% pertahun, Obligasi Berkelanjutan II Tahap IV Seri Bdengan nilai nominal sebesar Rp55.000 dengantingkat suku bunga tetap sebesar 7,50% per tahun,Obligasi Berkelanjutan II Tahap IV Seri C dengannilai nominal sebesar Rp112.000 dengan tingkatsuku bunga tetap sebesar 8,15% per tahun.
These Continuing Bonds II Phase IV are seriesbonds consisting of Continuing Bonds II Phase IVSeries A with a nominal value of Rp626,000 and afixed interest rate of 6.85% per annum, ContinuingBonds II Phase IV Series B with a nominal value ofRp55,000 and a fixed interest rate of 7.50% perannum, Continuing Bonds II Phase IV Series C witha nominal value of Rp112,000 and a fixed interestrate of 8.15% per annum.
Bunga Obligasi Berkelanjutan II Tahap IVdibayarkan setiap triwulan (tiga bulan) sejakTanggal Emisi, dimana bunga ObligasiBerkelanjutan II Tahap IV Seri A, B, dan C pertamatelah dibayarkan pada tanggal 6 Juli 2018. BungaObligasi Berkelanjutan II Tahap IV terakhir yangsekaligus jatuh tempo dengan masing-masing seriObligasi Berkelanjutan II Tahap IV telah dibayarkanpada tanggal 16 April 2019 untuk Seri A akandibayarkan, pada tanggal 6 April 2020 untuk Seri B, dan pada tanggal 6 April 2021 untuk Seri C.
The Continuing Bonds II Phase IV interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds II PhaseIV Series A, B, and C interest has been paid on July6, 2018. The last Continuing Bonds II Phase IVinterest, which falls due at the maturity of eachseries of the Continuing Bonds II Phase IV, hasbeen paid on April 16, 2019 for Series A, will be paidon April 6, 2020 for Series B, and on April 6, 2021for Series C.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan II Tahap IVtersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds II Phase IV arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Penerbitan Obligasi Berkelanjutan II Tahap IVdijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan II Tahap IV yang terutang (Catatan 5).
These Continuing Bonds II Phase IV are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds II Phase IVpayable (Note 5).
Penerbitan Obligasi Berkelanjutan II Tahap IVdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap IVWOM Finance Tahun 2018 No. 94 tanggal 5 Maret2018, sebagaimana diubah dengan Addendum IPerjanjian Perwaliamanatan No. 129 tanggal20 Maret 2018, yang keduanya dibuat di hadapanIr. Nanette Cahyanie Handari Adi Warsito, S.H.,Notaris di Jakarta, antara Perusahaan denganPT Bank Rakyat Indonesia (Persero) Tbk.
The issuance of Continuing Bonds II Phase IV iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase IV WOM Finance Year2018 No. 94 dated March 5, 2018, as amended bythe Deed of Amendment I on the TrusteeshipAgreement No. 129 dated March 20, 2018, all of Ir.Nanette Cahyanie Handari Adi Warsito, S.H., Notaryin Jakarta, between the Company and PT BankRakyat Indonesia (Persero) Tbk.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
89
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap IV WOM FinanceTahun 2018 (lanjutan)
Continuing Bonds II Phase IV WOM Finance Year2018 (continued)
Obligasi Berkelanjutan II Tahap IV Seri A telah jatuhtempo dan dilunasi pada tanggal 16 April 2019.
Continuing Bonds II Phase IV Series A matured andwas fully paid on April 16, 2019.
Pada tanggal 31 Desember 2019 dan 2018, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan II Tahap IV adalah masing-masing sebesar Rp100.201 dan Rp475.801(Catatan 5).
As of December 31, 2019 and 2018, the consumerfinancing receivables pledged as collateral to theContinuing Bonds II Phase IV amounting toRp100,201 and Rp475,801, respectively (Note 5).
Obligasi Berkelanjutan II Tahap V WOM FinanceTahun 2018
Continuing Bonds II Phase V WOM Finance Year2018
Pada tanggal 8 Juni 2018, Perusahaan menerbitkanObligasi Berkelanjutan II Tahap V WOM FinanceTahun 2018 Dengan Tingkat Suku Bunga Tetap(“Obligasi Berkelanjutan II Tahap V”) dengan nilainominal sebesar Rp360.500, yang ditawarkan padanilai nominal (Catatan 1c).
On June 8, 2018, the Company issued ContinuingBonds II Phase V WOM Finance Year 2018 WithFixed Interest Rate (“Continuing Bonds II Phase V”)with a nominal value of Rp360,500, which wereoffered at par (Note 1c).
Obligasi Berkelanjutan II Tahap V ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanII Tahap V Seri A dengan nilai nominal Rp293.000dengan tingkat suku bunga tetap sebesar 7,35% pertahun, Obligasi Berkelanjutan II Tahap V Seri Bdengan nilai nominal sebesar Rp67.500 dengantingkat suku bunga tetap sebesar 8,60% per tahun.
These Continuing Bonds II Phase V are seriesbonds consisting of Continuing Bonds II Phase VSeries A with a nominal value of Rp293,000 and afixed interest rate of 7.35% per annum, ContinuingBonds II Phase V Series B with a nominal value ofRp67,500 and a fixed interest rate of 8.60% perannum.
Bunga Obligasi Berkelanjutan II Tahap V dibayarkansetiap triwulan (tiga bulan) sejak Tanggal Emisi,dimana bunga Obligasi Berkelanjutan II Tahap VSeri A dan B pertama telah dibayarkan pada tanggal8 September 2018. Bunga Obligasi Berkelanjutan IITahap V terakhir yang sekaligus jatuh tempodengan masing-masing seri Obligasi BerkelanjutanII Tahap V telah dibayarkan pada tanggal 18 Juni2019 untuk Seri A dan akan dibayarkan padatanggal 8 Juni 2021 untuk Seri B.
The Continuing Bonds II Phase V interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds II PhaseV Series A and B interest has been paid onSeptember 8, 2018. The last Continuing Bonds IIPhase V interest, which falls due at the maturity ofeach series of the Continuing Bonds II Phase V, hasbeen paid on June 18, 2019 for Series A and will bepaid on June 8, 2021 for Series B.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan II Tahap Vtersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds II Phase V arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Penerbitan Obligasi Berkelanjutan II Tahap Vdijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan II Tahap V yang terutang (Catatan 5).
These Continuing Bonds II Phase V are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate of not less than 60.00% of the principalamount of Continuing Bonds II Phase V payable(Note 5).
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH460
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
90
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap V WOM FinanceTahun 2018 (lanjutan)
Continuing Bonds II Phase V WOM Finance Year2018 (continued)
Penerbitan Obligasi Berkelanjutan II Tahap Vdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap VWOM Finance Tahun 2018 No. 45 tanggal 18 Mei2018 di hadapan Ir. Nanette Cahyanie Handari AdiWarsito, S.H., Notaris di Jakarta, antara Perusahaandengan PT Bank Rakyat Indonesia (Persero) Tbk.
The issuance of Continuing Bonds II Phase V iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase V WOM Finance Year2018 No. 45 dated May 18, 2018 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company andPT Bank Rakyat Indonesia (Persero) Tbk.
Obligasi Berkelanjutan II Tahap V Seri A telah jatuhtempo dan dilunasi pada tanggal 18 Juni 2019.
Continuing Bonds II Phase V Series A matured andwas fully paid on June 18, 2019.
Pada tanggal 31 Desember 2019 dan 2018, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan II Tahap V masing-masingsebesar Rp40.501 dan Rp216.301 (Catatan 5).
As of December 31, 2019 and 2018, the consumerfinancing receivables pledged as collateral to theContinuing Bonds II Phase V amounting toRp40,501 and Rp216,301, respectively (Note 5).
Obligasi Berkelanjutan III Tahap I WOM FinanceTahun 2018
Continuing Bonds III Phase I WOM Finance Year2018
Pada tanggal 20 Desember 2018, Perusahaanmenerbitkan Obligasi Berkelanjutan III Tahap IWOM Finance Tahun 2018 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan III Tahap I”)dengan nilai nominal sebesar Rp570.500, yangditawarkan pada nilai nominal (Catatan 1c).
On December 20, 2018, the Company issuedContinuing Bonds III Phase I WOM Finance Year2018 With Fixed Interest Rate (“Continuing Bonds IIIPhase I”) with a nominal value of Rp570,500, whichwere offered at par (Note 1c).
Obligasi Berkelanjutan III Tahap I ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanIII Tahap I Seri A dengan nilai nominal Rp411.500dengan tingkat suku bunga tetap sebesar 9,25% pertahun, Obligasi Berkelanjutan III Tahap I Seri Bdengan nilai nominal sebesar Rp40.000 dengantingkat suku bunga tetap sebesar 9,75% per tahun,Obligasi Berkelanjutan III Tahap I Seri C dengannilai nominal sebesar Rp119.000 dengan tingkatsuku bunga tetap sebesar 10,00% per tahun.
These Continuing Bonds III Phase I are seriesbonds consisting of Continuing Bonds III Phase ISeries A with a nominal value of Rp411,500 and afixed interest rate of 9.25% per annum, ContinuingBonds III Phase I Series B with a nominal value ofRp40,000 and a fixed interest rate of 9.75% perannum, Continuing Bonds III Phase I Series C witha nominal value of Rp119,000 and a fixed interestrate of 10.00% per annum.
Bunga Obligasi Berkelanjutan III Tahap I setiaptriwulan (tiga bulan) sejak Tanggal Emisi, dimanabunga Obligasi Berkelanjutan III Tahap I Seri A, B,dan C pertama telah dibayarkan pada tanggal 20Maret 2019. Bunga Obligasi Berkelanjutan III TahapI terakhir yang sekaligus jatuh tempo denganmasing-masing seri Obligasi Berkelanjutan III TahapI telah dibayarkan pada tanggal 30 Desember 2019untuk Seri A, akan dibayarkan pada tanggal 20Desember 2020 untuk Seri B, dan pada tanggal 20Desember 2021 untuk Seri C.
The Continuing Bonds III Phase I interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds III PhaseI Series A, B, and C interest has been paid on March20, 2019. The last Continuing Bonds III Phase Iinterest, which falls due at the maturity of eachseries of the Continuing Bonds III Phase I, has beenpaid on December 30, 2019 for Series A, will be paidon December 20, 2020 for Series B, and onDecember 20, 2021 for Series C.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan III Tahap Itersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds III Phase I arerated at “AA-(idn)” (Double A, Negative RatingWatch).
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
461
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
90
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan II Tahap V WOM FinanceTahun 2018 (lanjutan)
Continuing Bonds II Phase V WOM Finance Year2018 (continued)
Penerbitan Obligasi Berkelanjutan II Tahap Vdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan II Tahap VWOM Finance Tahun 2018 No. 45 tanggal 18 Mei2018 di hadapan Ir. Nanette Cahyanie Handari AdiWarsito, S.H., Notaris di Jakarta, antara Perusahaandengan PT Bank Rakyat Indonesia (Persero) Tbk.
The issuance of Continuing Bonds II Phase V iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds II Phase V WOM Finance Year2018 No. 45 dated May 18, 2018 of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company andPT Bank Rakyat Indonesia (Persero) Tbk.
Obligasi Berkelanjutan II Tahap V Seri A telah jatuhtempo dan dilunasi pada tanggal 18 Juni 2019.
Continuing Bonds II Phase V Series A matured andwas fully paid on June 18, 2019.
Pada tanggal 31 Desember 2019 dan 2018, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan II Tahap V masing-masingsebesar Rp40.501 dan Rp216.301 (Catatan 5).
As of December 31, 2019 and 2018, the consumerfinancing receivables pledged as collateral to theContinuing Bonds II Phase V amounting toRp40,501 and Rp216,301, respectively (Note 5).
Obligasi Berkelanjutan III Tahap I WOM FinanceTahun 2018
Continuing Bonds III Phase I WOM Finance Year2018
Pada tanggal 20 Desember 2018, Perusahaanmenerbitkan Obligasi Berkelanjutan III Tahap IWOM Finance Tahun 2018 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan III Tahap I”)dengan nilai nominal sebesar Rp570.500, yangditawarkan pada nilai nominal (Catatan 1c).
On December 20, 2018, the Company issuedContinuing Bonds III Phase I WOM Finance Year2018 With Fixed Interest Rate (“Continuing Bonds IIIPhase I”) with a nominal value of Rp570,500, whichwere offered at par (Note 1c).
Obligasi Berkelanjutan III Tahap I ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanIII Tahap I Seri A dengan nilai nominal Rp411.500dengan tingkat suku bunga tetap sebesar 9,25% pertahun, Obligasi Berkelanjutan III Tahap I Seri Bdengan nilai nominal sebesar Rp40.000 dengantingkat suku bunga tetap sebesar 9,75% per tahun,Obligasi Berkelanjutan III Tahap I Seri C dengannilai nominal sebesar Rp119.000 dengan tingkatsuku bunga tetap sebesar 10,00% per tahun.
These Continuing Bonds III Phase I are seriesbonds consisting of Continuing Bonds III Phase ISeries A with a nominal value of Rp411,500 and afixed interest rate of 9.25% per annum, ContinuingBonds III Phase I Series B with a nominal value ofRp40,000 and a fixed interest rate of 9.75% perannum, Continuing Bonds III Phase I Series C witha nominal value of Rp119,000 and a fixed interestrate of 10.00% per annum.
Bunga Obligasi Berkelanjutan III Tahap I setiaptriwulan (tiga bulan) sejak Tanggal Emisi, dimanabunga Obligasi Berkelanjutan III Tahap I Seri A, B,dan C pertama telah dibayarkan pada tanggal 20Maret 2019. Bunga Obligasi Berkelanjutan III TahapI terakhir yang sekaligus jatuh tempo denganmasing-masing seri Obligasi Berkelanjutan III TahapI telah dibayarkan pada tanggal 30 Desember 2019untuk Seri A, akan dibayarkan pada tanggal 20Desember 2020 untuk Seri B, dan pada tanggal 20Desember 2021 untuk Seri C.
The Continuing Bonds III Phase I interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds III PhaseI Series A, B, and C interest has been paid on March20, 2019. The last Continuing Bonds III Phase Iinterest, which falls due at the maturity of eachseries of the Continuing Bonds III Phase I, has beenpaid on December 30, 2019 for Series A, will be paidon December 20, 2020 for Series B, and onDecember 20, 2021 for Series C.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 48/DIR/RAT/III/2019 tanggal 6 Maret 2019 dariFitch Ratings, Obligasi Berkelanjutan III Tahap Itersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 48/DIR/RAT/III/2019 dated March 6, 2019 fromFitch Ratings, the Continuing Bonds III Phase I arerated at “AA-(idn)” (Double A, Negative RatingWatch).
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
91
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan III Tahap I WOM FinanceTahun 2018 (lanjutan)
Continuing Bonds III Phase I WOM Finance Year2018 (continued)
Penerbitan Obligasi Berkelanjutan III Tahap Idijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan III Tahap I yang terutang (Catatan 5).
These Continuing Bonds III Phase I are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds III Phase Ipayable (Note 5).
Penerbitan Obligasi Berkelanjutan III Tahap Idilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan III Tahap IWOM Finance Tahun 2018 No. 31 tanggal11 Oktober 2018, sebagaimana diubah denganAddendum I Perjanjian Perwaliamanatan No. 8tanggal 6 Desember 2018, sebagaimana diubahdengan Addendum II Perjanjian PerwaliamanatanNo. 37 tanggal 18 Desember 2018, yang ketiganyadibuat di hadapan Ir. Nanette Cahyanie Handari AdiWarsito, S.H., Notaris di Jakarta, antara Perusahaandengan PT Bank Rakyat Indonesia (Persero) Tbk.
The issuance of Continuing Bonds III Phase I iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds III Phase I WOM Finance Year2018 No. 31 dated October 11, 2018, as amendedby the Deed of Amendment I on the TrusteeshipAgreement No. 8 dated December 6, 2018, asamended by the Deed of Amendment II on theTrusteeship Agreement No. 37 dated December 18,2018, all of Ir. Nanette Cahyanie Handari AdiWarsito, S.H., Notary in Jakarta, between theCompany and PT Bank Rakyat Indonesia (Persero)Tbk.
Obligasi berkelanjutan III Tahap I Seri A telah jatuhtempo dan dilunasi pada tanggal 30 Desember2019.
Continuing Bonds III Phase I Series A matured andwas fully paid on December 30, 2019.
Pada tanggal 31 Desember 2019, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan III Tahap I adalah sebesarRp95.401 (Catatan 5).
As of December 31, 2019, the consumer financingreceivables pledged as collateral to the ContinuingBonds III Phase I amounting to Rp95,401, (Note 5).
Obligasi Berkelanjutan III Tahap II WOM FinanceTahun 2019
Pada tanggal 29 Mei 2019, Perusahaanmenerbitkan Obligasi Berkelanjutan III Tahap IIWOM Finance Tahun 2019 Dengan Tingkat SukuBunga Tetap (“Obligasi Berkelanjutan III Tahap II”)dengan nilai nominal sebesar Rp1.675.000, yangditawarkan pada nilai nominal (Catatan 1c).
Obligasi Berkelanjutan III Tahap II ini merupakanobligasi berseri yang meliputi Obligasi BerkelanjutanIII Tahap II Seri A dengan nilai nominal Rp931.500dengan tingkat suku bunga tetap sebesar 8,50% pertahun, Obligasi Berkelanjutan III Tahap II Seri Bdengan nilai nominal sebesar Rp125.500 dengantingkat suku bunga tetap sebesar 9,15% per tahun,Obligasi Berkelanjutan III Tahap II Seri C dengannilai nominal sebesar Rp618.000 dengan tingkatsuku bunga tetap sebesar 9,85% per tahun.
Continuing Bonds III Phase II WOM Finance Year2019
On May 29, 2019, the Company issued ContinuingBonds III Phase II WOM Finance Year 2019 WithFixed Interest Rate (“Continuing Bonds III Phase II”)with a nominal value of Rp1,675,000, which wereoffered at par (Note 1c).
These Continuing Bonds III Phase II are seriesbonds consisting of Continuing Bonds III Phase IISeries A with a nominal value of Rp931,500 and afixed interest rate of 8.50% per annum, ContinuingBonds III Phase II Series B with a nominal value ofRp125,500 and a fixed interest rate of 9.15% perannum, Continuing Bonds III Phase II Series C witha nominal value of Rp618,000 and a fixed interestrate of 9.85% per annum.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH462
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
92
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan III Tahap II WOM FinanceTahun 2019
Bunga Obligasi Berkelanjutan III Tahap II setiaptriwulan (tiga bulan) sejak Tanggal Emisi, dimanabunga Obligasi Berkelanjutan III Tahap II Seri A, B,dan C pertama telah dibayarkan pada tanggal 29Agustus 2019. Bunga Obligasi Berkelanjutan IIITahap II terakhir yang sekaligus jatuh tempo denganmasing-masing seri Obligasi Berkelanjutan III TahapII akan dibayarkan pada tanggal 9 Juni 2020 untukSeri A, pada tanggal 29 Mei 2021 untuk Seri B, danpada tanggal 29 Mei 2022 untuk Seri C.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 153/DIR/RAT/V/2019 tanggal 2 Mei 2019 dariFitch Ratings, Obligasi Berkelanjutan III Tahap IItersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Penerbitan Obligasi Berkelanjutan III Tahap IIdijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan III Tahap II yang terutang (Catatan 5).
Continuing Bonds III Phase II WOM Finance Year2019
The Continuing Bonds III Phase II interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds III PhaseII Series A, B, and C interest has been paid onAugust 29, 2019. The last Continuing Bonds IIIPhase II interest, which falls due at the maturity ofeach series of the Continuing Bonds III Phase II, willbe paid on June 9, 2020 for Series A, on May 29,2021 for Series B, and on May 29, 2022 for SeriesC.
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 153/DIR/RAT/V/2019 dated May 2, 2019 fromFitch Ratings, the Continuing Bonds III Phase II arerated at “AA-(idn)” (Double A, Negative RatingWatch).
These Continuing Bonds III Phase II are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds III Phase IIpayable (Note 5).
Penerbitan Obligasi Berkelanjutan III Tahap IIdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan III Tahap IIWOM Finance Tahun 2019 No. 77 tanggal 10 Mei2019 yang dibuat di hadapan Ir. Nanette CahyanieHandari Adi Warsito, S.H., Notaris di Jakarta, antaraPerusahaan dengan PT Bank Rakyat Indonesia(Persero) Tbk.
The issuance of Continuing Bonds III Phase II iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds III Phase II WOM Finance Year2019 No. 77 dated May 10, 2019, of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankRakyat Indonesia (Persero) Tbk.
Pada tanggal 31 Desember 2019, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan III Tahap II adalah sebesarRp1.005.001 (Catatan 5).
As of Desember 31, 2019, the consumer financingreceivables pledged as collateral to the ContinuingBonds III Phase II amounting to Rp1,005,001(Note 5).
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
463
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
92
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Obligasi Berkelanjutan III Tahap II WOM FinanceTahun 2019
Bunga Obligasi Berkelanjutan III Tahap II setiaptriwulan (tiga bulan) sejak Tanggal Emisi, dimanabunga Obligasi Berkelanjutan III Tahap II Seri A, B,dan C pertama telah dibayarkan pada tanggal 29Agustus 2019. Bunga Obligasi Berkelanjutan IIITahap II terakhir yang sekaligus jatuh tempo denganmasing-masing seri Obligasi Berkelanjutan III TahapII akan dibayarkan pada tanggal 9 Juni 2020 untukSeri A, pada tanggal 29 Mei 2021 untuk Seri B, danpada tanggal 29 Mei 2022 untuk Seri C.
Berdasarkan hasil pemeringkatan tahunan atassurat utang jangka panjang sesuai dengan SuratNo. 153/DIR/RAT/V/2019 tanggal 2 Mei 2019 dariFitch Ratings, Obligasi Berkelanjutan III Tahap IItersebut mendapat peringkat “AA-(idn)” (Double A,Negative Rating Watch).
Penerbitan Obligasi Berkelanjutan III Tahap IIdijamin secara fidusia dengan piutang Perusahaankepada pihak ketiga sehubungan denganpembiayaan pembelian kendaraan bermotordengan kategori lancar yang nilai seluruhnya tidakkurang dari 60,00% dari jumlah pokok ObligasiBerkelanjutan III Tahap II yang terutang (Catatan 5).
Continuing Bonds III Phase II WOM Finance Year2019
The Continuing Bonds III Phase II interest is paid ona quarterly basis (three months) starting from theIssuance Date, the first Continuing Bonds III PhaseII Series A, B, and C interest has been paid onAugust 29, 2019. The last Continuing Bonds IIIPhase II interest, which falls due at the maturity ofeach series of the Continuing Bonds III Phase II, willbe paid on June 9, 2020 for Series A, on May 29,2021 for Series B, and on May 29, 2022 for SeriesC.
Based on results of the annual rating on long-termdebentures in accordance with LetterNo. 153/DIR/RAT/V/2019 dated May 2, 2019 fromFitch Ratings, the Continuing Bonds III Phase II arerated at “AA-(idn)” (Double A, Negative RatingWatch).
These Continuing Bonds III Phase II are secured bythe fiduciary transfers of the Company’s currentreceivables from third parties in connection with thefinancing of the purchases of motor vehicles with anaggregate amount of not less than 60.00% of theprincipal amount of Continuing Bonds III Phase IIpayable (Note 5).
Penerbitan Obligasi Berkelanjutan III Tahap IIdilakukan sesuai dengan Akta PerjanjianPerwaliamanatan Obligasi Berkelanjutan III Tahap IIWOM Finance Tahun 2019 No. 77 tanggal 10 Mei2019 yang dibuat di hadapan Ir. Nanette CahyanieHandari Adi Warsito, S.H., Notaris di Jakarta, antaraPerusahaan dengan PT Bank Rakyat Indonesia(Persero) Tbk.
The issuance of Continuing Bonds III Phase II iscovered in the Deed of Trusteeship Agreement ofContinuing Bonds III Phase II WOM Finance Year2019 No. 77 dated May 10, 2019, of Ir. NanetteCahyanie Handari Adi Warsito, S.H., Notary inJakarta, between the Company and PT BankRakyat Indonesia (Persero) Tbk.
Pada tanggal 31 Desember 2019, piutangpembiayaan konsumen yang dijaminkan untukObligasi Berkelanjutan III Tahap II adalah sebesarRp1.005.001 (Catatan 5).
As of Desember 31, 2019, the consumer financingreceivables pledged as collateral to the ContinuingBonds III Phase II amounting to Rp1,005,001(Note 5).
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
93
16. UTANG OBLIGASI (lanjutan) 16. BONDS PAYABLE (continued)
Sebelum dilunasinya semua pokok dan bungaObligasi Berkelanjutan II Tahap I, II, III, IV, V, danObligasi Berkelanjutan III Tahap I, II, sertapengeluaran lain yang menjadi tanggung jawabPerusahaan sehubungan dengan penerbitanObligasi Berkelanjutan II Tahap I, II, III, IV, V, danObligasi Berkelanjutan III Tahap I, II, Perusahaantanpa persetujuan tertulis dari Wali Amanat tidakdiperkenankan melakukan tindakan-tindakan,antara lain, melakukan penggabungan ataupeleburan usaha yang akan mempunyai akibat yangnegatif terhadap Perusahaan, melakukanpeminjaman utang baru yang memiliki kedudukanlebih tinggi dari kedudukan utang yang timbulberdasarkan Obligasi Berkelanjutan II Tahap II, III,IV, V, dan Obligasi Berkelanjutan III Tahap I, II,kecuali pinjaman untuk pembiayaan usahaPerusahaan, menyatakan atau membayarpembagian dividen selama Perusahaan lalai dalammelakukan pembayaran jumlah terutangberdasarkan Perjanjian Perwaliamanatan,mengubah bidang usaha utama Perusahaan danmenjaminkan aset termasuk hak atas pendapatanPerusahaan, baik yang ada sekarang maupun yangakan diperoleh di masa yang akan datang yangmenjadi jaminan berdasarkan PerjanjianPerwaliamanatan dan Akta Pengakuan Utang.Perusahaan telah memenuhi batasan-batasan yangdiwajibkan dalam perjanjian tersebut.
Prior to the redemption of the entire ContinuingBonds II Phase I, II, III, IV, V, and Continuing BondsIII Phase I, II, principal and payments of the interestand other charges which are the responsibility ofthe Company in connection with the issuance of theContinuing Bonds II Phase I, II, III, IV, V, andContinuing Bonds III Phase I, II the Company,without the written consent of the Trustee shall notundertake, among others, merger or businesscombination, which will have a negative effect to theCompany, obtain new loans which have morepriority position than those arising from theContinuing Bonds II Phase II, III, IV, V, andContinuing Bonds III Phase I, II, except loansobtained to finance the Company’s business,declare or pay dividends as long as the Companyfailed in servicing the loans based on theTrusteeship Agreement, change the main businessof the Company and pledge any of the present orfuture assets including the rights on the Company’srevenues which became the collateral based on theTrusteeship Agreement and IndebtednessAgreement. The Company has complied with thecovenants in those agreements.
Satu tahun setelah tanggal penjatahan, Perusahaandapat melakukan pembelian kembali (buy back)untuk sebagian atau seluruh obligasi sebelumtanggal pelunasan pokok obligasi. Perusahaanmempunyai hak untuk memberlakukan pembeliankembali (buy back) tersebut untuk dipergunakansebagai pelunasan obligasi atau untuk kemudiandijual kembali dengan harga pasar denganmemperhatikan ketentuan dalam PerjanjianPerwaliamanatan dan peraturan perundang-undangan yang berlaku.
One year after the allotment date, the Company mayrepurchase (buy back) the bonds partially or fullyprior to due date of the bonds principal. TheCompany has the right to treat the repurchase(buy back) to be used as the bonds redemption or tobe subsequently sold at market price following theprovisions of Trustee Agreements and prevailingregulation.
17. MODAL SAHAM 17. CAPITAL STOCK
Pada tanggal 31 Desember 2019 dan 2018, rinciankepemilikan saham Perusahaan dengan nilainominal sebesar Rp100 (dalam nilai penuh) perlembar saham adalah sebagai berikut:
As of December 31, 2019 and 2018, the details ofthe Company’s shares of stock with a par value ofRp100 (in full amount) per share are as follows:
31 Desember/December 31, 2019 dan/and 2018
Jumlah Saham Ditempatkan
dan Disetor Penuh/ PersentaseNumber of Shares Pemilikan/
Issued and Percentage of Jumlah/Pemegang Saham Fully Paid Ownership Amount Shareholders
PT Bank Maybank Indonesia Tbk 2.386.646.729 68,55% 238.665 PT Bank Maybank Indonesia TbkPT Wahana Makmur Sejati 833.316.600 23,94% 83.331 PT Wahana Makmur Sejati
Masyarakat umum (masing-masingdi bawah 5,00%) 261.518.151 7,51% 26.152 Public (each below 5.00%)
Total 3.481.481.480 100,00% 348.148 Total
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH464
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
94
17. MODAL SAHAM (lanjutan) 17. CAPITAL STOCK (continued)
Pengelolaan modal Capital management
Tujuan utama pengelolaan modal Perusahaanadalah untuk memastikan terpeliharanya rasiomodal yang sehat untuk mendukung usaha danmemaksimalkan imbalan bagi pemegang saham.
The primary objective of the Company’s capitalmanagement is to ensure that healthy capital ratiosare maintained in order to support its business andmaximize shareholders value.
Perusahaan dipersyaratkan oleh Undang-undangPerseroan Terbatas No. 40 Tahun 2007 untukmenyisihkan dan mempertahankan suatu danacadangan yang tidak boleh didistribusikan sampaidana cadangan tersebut mencapai 20,00% darimodal saham diterbitkan dan dibayar penuh.Perusahaan akan terus menambah cadangan inisampai cadangan tersebut mencapai jumlah yangdiatur oleh Undang-undang.
The Company is also required by the LimitedLiability Company Law No. 40, Year 2007 tocontribute and maintain a non-distributable reservefund until the said reserve reaches 20.00% of theissued and fully paid share capital. The Companywill continue to build this reserve until such time theamount reaches the level required by Law.
Perusahaan mengelola struktur permodalan danmelakukan penyesuaian, berdasarkan perubahankondisi ekonomi. Untuk memelihara danmenyesuaikan struktur permodalan, Perusahaandapat menyesuaikan pembayaran dividen kepadapemegang saham, menerbitkan saham baru ataumengusahakan pendanaan melalui pinjaman. Tidakada perubahan atas tujuan, kebijakan maupunproses selama tahun penyajian.
The Company manages its capital structure andmakes adjustments to it, in light of changes ineconomic conditions. To maintain or adjust thecapital structure, the Company may adjust thedividend payment to shareholders, issue newshares or raise debt financing. No changes weremade in the objectives, policies or processes duringthe year presented.
Dalam mengelola permodalan, Perusahaanmemperhatikan ketentuan Peraturan Otoritas JasaKeuangan No. 35/POJK.05/2018 tentangPenyelenggaraan Usaha Perusahaan Pembiayaanyang diantaranya mengatur ketentuan sebagaiberikut:
In managing capital, the Company pays attention tothe enacments of Otoritas Jasa KeuanganRegulation No. 35/POJK.05/2018 regardingFinance Companies which have some provisions asfollows:
• Ekuitas Perusahaan minimum sebesarRp100.000;
• Rasio ekuitas Perusahaan terhadap modaldisetor paling rendah sebesar 50,00%;
• The Company’s equity minimum of Rp100,000;
• The Company’s equity ratio amounting tominimum 50.00% of paid-up capital;
• Rasio permodalan Perusahaan mínimumsebesar 10%;
• Jumlah pinjaman yang dimiliki Perusahaandibandingkan modal sendiri dan utangsubordinasi dikurangi penyertaan (gearingratio) ditetapkan serendah-rendahnya 0 (nol)dan setinggi-tingginya 10 kali, baik untukpinjaman luar negeri maupun dalam negeri.
• The Company’s capital ratio of minimum 10%;
• The amount of the Company’s loan to equityand subordinated loan deducted by investment(gearing ratio) is the minimum of 0 (zero) andthe maximum of 10 times, both for off-shore andon-shore domestic loans.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
465
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
94
17. MODAL SAHAM (lanjutan) 17. CAPITAL STOCK (continued)
Pengelolaan modal Capital management
Tujuan utama pengelolaan modal Perusahaanadalah untuk memastikan terpeliharanya rasiomodal yang sehat untuk mendukung usaha danmemaksimalkan imbalan bagi pemegang saham.
The primary objective of the Company’s capitalmanagement is to ensure that healthy capital ratiosare maintained in order to support its business andmaximize shareholders value.
Perusahaan dipersyaratkan oleh Undang-undangPerseroan Terbatas No. 40 Tahun 2007 untukmenyisihkan dan mempertahankan suatu danacadangan yang tidak boleh didistribusikan sampaidana cadangan tersebut mencapai 20,00% darimodal saham diterbitkan dan dibayar penuh.Perusahaan akan terus menambah cadangan inisampai cadangan tersebut mencapai jumlah yangdiatur oleh Undang-undang.
The Company is also required by the LimitedLiability Company Law No. 40, Year 2007 tocontribute and maintain a non-distributable reservefund until the said reserve reaches 20.00% of theissued and fully paid share capital. The Companywill continue to build this reserve until such time theamount reaches the level required by Law.
Perusahaan mengelola struktur permodalan danmelakukan penyesuaian, berdasarkan perubahankondisi ekonomi. Untuk memelihara danmenyesuaikan struktur permodalan, Perusahaandapat menyesuaikan pembayaran dividen kepadapemegang saham, menerbitkan saham baru ataumengusahakan pendanaan melalui pinjaman. Tidakada perubahan atas tujuan, kebijakan maupunproses selama tahun penyajian.
The Company manages its capital structure andmakes adjustments to it, in light of changes ineconomic conditions. To maintain or adjust thecapital structure, the Company may adjust thedividend payment to shareholders, issue newshares or raise debt financing. No changes weremade in the objectives, policies or processes duringthe year presented.
Dalam mengelola permodalan, Perusahaanmemperhatikan ketentuan Peraturan Otoritas JasaKeuangan No. 35/POJK.05/2018 tentangPenyelenggaraan Usaha Perusahaan Pembiayaanyang diantaranya mengatur ketentuan sebagaiberikut:
In managing capital, the Company pays attention tothe enacments of Otoritas Jasa KeuanganRegulation No. 35/POJK.05/2018 regardingFinance Companies which have some provisions asfollows:
• Ekuitas Perusahaan minimum sebesarRp100.000;
• Rasio ekuitas Perusahaan terhadap modaldisetor paling rendah sebesar 50,00%;
• The Company’s equity minimum of Rp100,000;
• The Company’s equity ratio amounting tominimum 50.00% of paid-up capital;
• Rasio permodalan Perusahaan mínimumsebesar 10%;
• Jumlah pinjaman yang dimiliki Perusahaandibandingkan modal sendiri dan utangsubordinasi dikurangi penyertaan (gearingratio) ditetapkan serendah-rendahnya 0 (nol)dan setinggi-tingginya 10 kali, baik untukpinjaman luar negeri maupun dalam negeri.
• The Company’s capital ratio of minimum 10%;
• The amount of the Company’s loan to equityand subordinated loan deducted by investment(gearing ratio) is the minimum of 0 (zero) andthe maximum of 10 times, both for off-shore andon-shore domestic loans.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
95
17. MODAL SAHAM (lanjutan) 17. CAPITAL STOCK (continued)
Pengelolaan modal (lanjutan) Capital management (continued)
Gearing ratio pada tanggal 31 Desember 2019 dan2018 yang dihitung berdasarkan POJK No.35/POJK.05/2018 tentang Penyelenggaraan UsahaPerusahaan Pembiayaan adalah sebagai berikut:
Gearing ratio as of December 31, 2019 and 2018,calculated based on the POJKNo. 35/POJK.05/2018 regarding BusinessOperation of Multifinance Company are as follows:
31 Desember/December 31,
2019 2018
Pinjaman: Borrowing:Utang bank 3.622.876 4.559.701 Bank loansUtang obligasi 2.651.540 2.528.597 Bonds payableUtang subordinasi 200.000 100.000 Subordinated loan
Total pinjaman 6.474.416 7.188.298 Total borrowing
Ekuitas 1.370.577 1.171.661 EquityUtang subordinasi 174.074 100.000 Subordinated loan
Total ekuitas danutang subordinasi 1.544.651 1.271.661 Total equity and subordinated loan
Gearing ratio 4,19 5,65 Gearing ratio
Sesuai dengan Peraturan Otoritas Jasa Keuangantersebut di atas, gearing ratio yang diperbolehkanserendah-rendahnya 0 (nol) dan setinggi-tingginyaadalah 10 (sepuluh) kali. Dengan demikianPerusahaan telah mematuhi Peraturan OtoritasJasa Keuangan tersebut.
In accordance with the above mentioned POJK, theminimum gearing ration allowable is 0 (zero) andmaximum gearing ratio allowable is 10 (ten) times.Hence, the Company has complied with the POJK.
Informasi lainnya Other information
Berdasarkan Peraturan Otoritas Jasa KeuanganNo. 35/POJK.05/2018 tentang PenyelenggaraanUsaha Perusahaan Pembiayaan, pada tanggal31 Desember 2019 dan 2018 Perusahaan telahmenghitung beberapa rasio sesuai denganperaturan tersebut, antara lain:
Based on POJK No. 35/POJK.05/2018 regardingBusiness Operation of Multifinance Company, as ofDecember 31, 2019 and 2018 the Company hascalculated ratio based on the regulation, amongothers:
31 Desember/December 31,
2019 2018
Rasio permodalan 25,1% 19,6% Capital ratioRasio profitabilitas Profitability ratio
Return on asset 4,3% 3,2% Return on assetReturn on equity 21,0% 19,9% Return on equityNet interest margin 19,9% 18,1% Net interest margin
Rasio piutang pembiayaanterhadap total aset 83,4% 77,0% Financing to asset ratio
Rasio kualitas piutang pembiayaan bermasalah –bersih pada tanggal 31 Desember 2019 dan 2018yang dihitung berdasarkan POJK No.35/POJK.05/2018 tentang Penyelenggaraan UsahaPerusahaan Pembiayaan masing-masing adalah0,6% dan 0,9%.
Non performing financing ratio - neto as ofDecember 31, 2019 and 2018, calculated based onthe POJK No. 35/POJK.05/2018 regarding BusinessOperation of Multifinance Company are 0.6% and0.9%, respectively.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH466
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
96
18. MODAL DISETOR LAINNYA 18. ADDITIONAL PAID-IN CAPITAL
Modal disetor lainnya merupakan selisih antarajumlah harga jual dengan jumlah nilai nominalsaham yang ditawarkan kepada masyarakat setelahdikurangi dengan seluruh beban yang berhubungandengan penawaran umum saham Perusahaan.Rincian pada tanggal 31 Desember 2019 dan 2018adalah sebagai berikut:
Additional paid-in capital represents the differencebetween the selling price and the par value of theshares offered to the public after being deductedwith the total expenses related to the publicissuance of the Company’s shares. The details as ofDecember 31, 2019 and 2018 are as follows:
31 Desember/December 31,
2019 2018
Selisih lebih harga jual atas Excess of selling price over parnilai nominal 171.852 171.852 the value
Dikurangi beban emisi efek ekuitas (11.662) (11.662) Less stock issuance costs
Neto 160.190 160.190 Net
Seluruh biaya emisi efek berasal dari penawaranumum yang dilakukan pada tahun 2015 dan 2004.
All stock issuance costs arose from the publicoffering conducted in 2015 and 2004.
19. SALDO LABA YANG TELAH DITENTUKANPENGGUNAANNYA DAN DIVIDEN KAS
19. APPROPRIATION OF RETAINED EARNINGSAND CASH DIVIDENDS
Berdasarkan Berita Acara RUPST No. 33 tanggal12 Maret 2019 yang dibuat di hadapan LeolinJayayanti, S.H. M.Kn., Notaris di Jakarta Selatan,para pemegang saham menyetujui penambahancadangan umum dari laba bersih Perseroan sebesarRp1.000 serta pembagian dividen tunai untuk tahunbuku yang berakhir pada tanggal 31 Desember 2018maksimal sebesar Rp64.555 atau 30,00% dari labaneto Perusahaan dengan dividen Rp18,50 (dalamnilai penuh) per lembar saham.
Based on AGMS, held on March 12, 2019, whichwas notarized by Certificate of Leolin Jayayanti,S.H. M.Kn., Notary in South Jakarta, per NotarialDeed No. 33, the shareholders approved additionalappropriation of retained earnings for generalreserves amounting to Rp1,000 and disburse cashdividend for the year ended December 31, 2018with maximum amount of Rp64,555 or 30.00% ofCompany’s net income with dividend Rp18.50 (infull amount) per share.
Berdasarkan Berita Acara RUPST No. 55 tanggal15 Maret 2018 yang dibuat di hadapan LeolinJayayanti, S.H., M.kn., Notaris di Jakarta Selatan,para pemegang saham menyetujui penambahancadangan umum dari laba bersih Perseroan sebesarRp1.000 serta pembagian dividen tunai untuk tahunbuku yang berakhir pada tanggal 31 Desember 2017maksimal sebesar Rp54.199 atau 30,00% dari labaneto Perusahaan dengan dividen Rp15,50 (dalamnilai penuh) per lembar saham.
Based on AGMS, held on March 15, 2018, whichwas notarized by Certificate of Leolin Jayayanti,S.H. M.kn., Notary in South Jakarta, per NotarialDeed No. 55, the shareholders approved additionalappropriation of retained earnings for generalreserves amounting to Rp1,000 and disburse cashdividend for the year ended December 31, 2017with maximum amount of Rp54,199 or 30.00% ofCompany’s net income with dividend Rp15.50 (infull amount) per share.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
467
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
96
18. MODAL DISETOR LAINNYA 18. ADDITIONAL PAID-IN CAPITAL
Modal disetor lainnya merupakan selisih antarajumlah harga jual dengan jumlah nilai nominalsaham yang ditawarkan kepada masyarakat setelahdikurangi dengan seluruh beban yang berhubungandengan penawaran umum saham Perusahaan.Rincian pada tanggal 31 Desember 2019 dan 2018adalah sebagai berikut:
Additional paid-in capital represents the differencebetween the selling price and the par value of theshares offered to the public after being deductedwith the total expenses related to the publicissuance of the Company’s shares. The details as ofDecember 31, 2019 and 2018 are as follows:
31 Desember/December 31,
2019 2018
Selisih lebih harga jual atas Excess of selling price over parnilai nominal 171.852 171.852 the value
Dikurangi beban emisi efek ekuitas (11.662) (11.662) Less stock issuance costs
Neto 160.190 160.190 Net
Seluruh biaya emisi efek berasal dari penawaranumum yang dilakukan pada tahun 2015 dan 2004.
All stock issuance costs arose from the publicoffering conducted in 2015 and 2004.
19. SALDO LABA YANG TELAH DITENTUKANPENGGUNAANNYA DAN DIVIDEN KAS
19. APPROPRIATION OF RETAINED EARNINGSAND CASH DIVIDENDS
Berdasarkan Berita Acara RUPST No. 33 tanggal12 Maret 2019 yang dibuat di hadapan LeolinJayayanti, S.H. M.Kn., Notaris di Jakarta Selatan,para pemegang saham menyetujui penambahancadangan umum dari laba bersih Perseroan sebesarRp1.000 serta pembagian dividen tunai untuk tahunbuku yang berakhir pada tanggal 31 Desember 2018maksimal sebesar Rp64.555 atau 30,00% dari labaneto Perusahaan dengan dividen Rp18,50 (dalamnilai penuh) per lembar saham.
Based on AGMS, held on March 12, 2019, whichwas notarized by Certificate of Leolin Jayayanti,S.H. M.Kn., Notary in South Jakarta, per NotarialDeed No. 33, the shareholders approved additionalappropriation of retained earnings for generalreserves amounting to Rp1,000 and disburse cashdividend for the year ended December 31, 2018with maximum amount of Rp64,555 or 30.00% ofCompany’s net income with dividend Rp18.50 (infull amount) per share.
Berdasarkan Berita Acara RUPST No. 55 tanggal15 Maret 2018 yang dibuat di hadapan LeolinJayayanti, S.H., M.kn., Notaris di Jakarta Selatan,para pemegang saham menyetujui penambahancadangan umum dari laba bersih Perseroan sebesarRp1.000 serta pembagian dividen tunai untuk tahunbuku yang berakhir pada tanggal 31 Desember 2017maksimal sebesar Rp54.199 atau 30,00% dari labaneto Perusahaan dengan dividen Rp15,50 (dalamnilai penuh) per lembar saham.
Based on AGMS, held on March 15, 2018, whichwas notarized by Certificate of Leolin Jayayanti,S.H. M.kn., Notary in South Jakarta, per NotarialDeed No. 55, the shareholders approved additionalappropriation of retained earnings for generalreserves amounting to Rp1,000 and disburse cashdividend for the year ended December 31, 2017with maximum amount of Rp54,199 or 30.00% ofCompany’s net income with dividend Rp15.50 (infull amount) per share.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
97
20. PENDAPATAN PEMBIAYAAN KONSUMEN 20. CONSUMER FINANCING INCOME
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Pihak ketiga Third partiesPendapatan pembiayaan
konsumen - bruto 2.163.115 2.198.616 Consumer financing income - grossDikurangi hak bank-bank Less amounts of the banks’ rights on
sehubungan dengan transaksi such income relating to thepembiayaan bersama joint financingpinjaman (Catatan 27) (90.066) (110.851) cooperation (Note 27)
Pendapatan pembiayaan Consumer financingkonsumen - neto 2.073.049 2.087.765 income - net
Pada tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, tidak ada pendapatanpembiayaan konsumen dari satu konsumen sajayang melebihi 10,00% dari total pendapatankonsumen.
For the years ended December 31, 2019 and 2018,the Company has no consumer financing incomefrom one customer exceeding of 10.00% of totalconsumer financing income.
Pada tahun yang berakhir pada tanggal-tanggal 31Desember 2019 dan 2018, pendapatan pembiayaankonsumen termasuk amortisasi atas pendapatandan biaya transaksi piutang pembiayaan konsumenmasing-masing sebesar Rp202.150 danRp316.862.
For the years ended December 31, 2019 and 2018,consumer financing income includes amortization ofincome and transaction cost of consumer financingreceivables amounting to Rp202,150 andRp316,862, respectively.
21. PENDAPATAN ADMINISTRASI 21. ADMINISTRATION INCOME
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Pendapatan administrasi 101.220 138.119 Administration incomePendapatan komisi asuransi 39.065 62.008 Insurance commission incomePendapatan diskon asuransi 35.072 57.383 Insurance discount incomeKomisi atas penerusan pinjaman - 91 Channeling fee
Total 175.357 257.601 Total
22. PENDAPATAN LAIN-LAIN 22. OTHER REVENUES
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Pendapatan denda 166.213 165.993 Penalty incomePenerimaan kembali piutang Collection of receivables
yang telah dihapusbukukan 69.386 35.291 previously written-offPenjualan piutang yang telah Sale of receivables previously
dihapusbukukan 27.723 - written-offPendapatan klaim asuransi 13.102 17.843 Insurance claim incomeLain-lain 83.232 32.904 Others
Total 359.656 252.031 Total
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH468
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
98
22. PENDAPATAN LAIN-LAIN (lanjutan) 22. OTHER REVENUES (continued)
Pada tahun 2019, Perusahaan melakukanperjanjian dengan Collectius A.G. (pihak ketiga)untuk menjual piutang yang telah di hapus buku darimasa lalu hingga 31 Desember 2018. Perusahaantelah menerima pendapatan dengan persentasetertentu dari total piutang yang dijual. Pada tahun2019, Perusahaan telah menjual hak tagih ataspiutang yang telah di hapus buku sebesarRp1.528.975. Pendapatan yang telah diterima daripenjualan ini dicatat sebagai pendapatan lain-lain.
In 2019, the Company entered into an agreementwith Collectius A.G (third party) to sell itspreviously written-off receivables from the pastthrough to December 31, 2018. The Companyreceived income as a percentage of totalreceivables sold. In 2019, the Company had soldthe collection rights of the written off receivablestotaling Rp1,528,975. The income received fromthis sale has been recorded as current year otherrevenues.
23. BEBAN UMUM DAN ADMINISTRASI 23. GENERAL AND ADMINISTRATIVE EXPENSES
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Pihak ketiga Third partiesAlih daya 372.493 342.007 OutsourcingPremi asuransi 75.345 58.292 Insurance premiumKerugian agunan yang ditarik kembali 56.537 68.650 Losses on repossessed motor vehicleSewa 50.883 47.750 RentalsTransportasi dan komunikasi 37.565 40.674 Transportation and communicationRapat dan pelatihan 24.444 15.170 Meeting and trainingPemasangan jaringan 20.951 17.566 Network installationPerbaikan dan pemeliharaan 19.304 14.642 Repairs and maintenancePromosi penjualan 13.416 26.747 Sales promotionsLegalitas 12.637 3.397 LegalListrik dan air 11.694 11.390 Electricity and waterPercetakan 7.878 11.510 PrintingMaterai 6.910 7.539 StampIuran keanggotaan 5.104 4.168 Membership expenseAlat tulis kantor 4.133 5.164 StationeryBiaya pajak 2.691 789 Tax expenseHonorarium konsultan 2.579 3.647 Consultancy feesPerlengkapan kantor 2.449 2.054 Office SuppliesPerjamuan tamu 1.908 2.592 EntertainmentPenanganan dan rugi fraud 1.712 1.209 Fraud settlement and lossesPengembangan dan rekrutmen karyawan 1.491 1.365 Employee development and recruitmentBeban penerimaan angsuran konsumen 1.074 1.019 Consumers installment receipt expenseKebersihan lingkungan 1.029 1.169 Cleaning serviceBPKB/STNK kendaraan 828 918 Vehicle’s BPKB/STNKLain-lain (masing-masing di bawah Rp500) 329 235 Others (each below Rp500)
Subtotal 735.384 689.663 Subtotal
Pihak berelasi (Catatan 28) Related party (Note 28)Premi asuransi 714 - Insurance premiumSewa 405 454 Rentals
Subtotal 1.119 454 Subtotal
Total 736.503 690.117 Total
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
469
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
98
22. PENDAPATAN LAIN-LAIN (lanjutan) 22. OTHER REVENUES (continued)
Pada tahun 2019, Perusahaan melakukanperjanjian dengan Collectius A.G. (pihak ketiga)untuk menjual piutang yang telah di hapus buku darimasa lalu hingga 31 Desember 2018. Perusahaantelah menerima pendapatan dengan persentasetertentu dari total piutang yang dijual. Pada tahun2019, Perusahaan telah menjual hak tagih ataspiutang yang telah di hapus buku sebesarRp1.528.975. Pendapatan yang telah diterima daripenjualan ini dicatat sebagai pendapatan lain-lain.
In 2019, the Company entered into an agreementwith Collectius A.G (third party) to sell itspreviously written-off receivables from the pastthrough to December 31, 2018. The Companyreceived income as a percentage of totalreceivables sold. In 2019, the Company had soldthe collection rights of the written off receivablestotaling Rp1,528,975. The income received fromthis sale has been recorded as current year otherrevenues.
23. BEBAN UMUM DAN ADMINISTRASI 23. GENERAL AND ADMINISTRATIVE EXPENSES
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Pihak ketiga Third partiesAlih daya 372.493 342.007 OutsourcingPremi asuransi 75.345 58.292 Insurance premiumKerugian agunan yang ditarik kembali 56.537 68.650 Losses on repossessed motor vehicleSewa 50.883 47.750 RentalsTransportasi dan komunikasi 37.565 40.674 Transportation and communicationRapat dan pelatihan 24.444 15.170 Meeting and trainingPemasangan jaringan 20.951 17.566 Network installationPerbaikan dan pemeliharaan 19.304 14.642 Repairs and maintenancePromosi penjualan 13.416 26.747 Sales promotionsLegalitas 12.637 3.397 LegalListrik dan air 11.694 11.390 Electricity and waterPercetakan 7.878 11.510 PrintingMaterai 6.910 7.539 StampIuran keanggotaan 5.104 4.168 Membership expenseAlat tulis kantor 4.133 5.164 StationeryBiaya pajak 2.691 789 Tax expenseHonorarium konsultan 2.579 3.647 Consultancy feesPerlengkapan kantor 2.449 2.054 Office SuppliesPerjamuan tamu 1.908 2.592 EntertainmentPenanganan dan rugi fraud 1.712 1.209 Fraud settlement and lossesPengembangan dan rekrutmen karyawan 1.491 1.365 Employee development and recruitmentBeban penerimaan angsuran konsumen 1.074 1.019 Consumers installment receipt expenseKebersihan lingkungan 1.029 1.169 Cleaning serviceBPKB/STNK kendaraan 828 918 Vehicle’s BPKB/STNKLain-lain (masing-masing di bawah Rp500) 329 235 Others (each below Rp500)
Subtotal 735.384 689.663 Subtotal
Pihak berelasi (Catatan 28) Related party (Note 28)Premi asuransi 714 - Insurance premiumSewa 405 454 Rentals
Subtotal 1.119 454 Subtotal
Total 736.503 690.117 Total
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
99
24. BEBAN GAJI DAN TUNJANGAN 24. SALARIES AND BENEFITS EXPENSES
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Gaji dan tunjangan 396.907 388.616 Salaries and benefitsInsentif 43.486 50.919 Incentives
Total 440.393 439.535 Total
Beban gaji dan tunjangan adalah termasukkompensasi yang diterima Dewan Komisaris danDireksi Perusahaan dan beban imbalan kerjakaryawan (Catatan 28 dan 29).
Salaries and benefits include compensationreceived by the Company’s Board ofCommissioners and Directors and employee benefitexpense (Notes 28 and 29).
25. BEBAN PENDANAAN 25. FINANCING COSTS
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Bunga InterestsPihak ketiga (Catatan 11) 593.530 608.734 Third parties (Note 11)Pihak-pihak berelasi Related parties
(Catatan 11, 12, dan 28) 22.398 31.831 (Notes 11, 12, and 28)Provisi dan administrasi Bank provision fees and
bank 14.554 23.650 administration chargesAmortisasi biaya-biaya emisi Amortization on bonds issuance
obligasi (Catatan 16) 8.325 7.650 costs (Note 16)
Total 638.807 671.865 Total
26. BEBAN LAIN-LAIN 26. OTHER EXPENSES
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Bunga atas utang pembiayaan Interest on consumerkonsumen - kendaraan financing loans - vehiclePihak berelasi (Catatan 15 dan 28) 1.200 1.254 Related party (Notes 15 and 28)Pihak ketiga (Catatan 15) 543 480 Third parties (Note 15)
Penghapusan aset lainnya 3.817 10.713 Write-off of other assetsLain-lain 1.500 3.599 Others
Total 7.060 16.046 Total
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH470
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
100
27. PERJANJIAN-PERJANJIAN KERJASAMA 27. COOPERATION AGREEMENTS
PT Bank Maybank Indonesia Tbk (“BMI”) PT Bank Maybank Indonesia Tbk (“BMI”)
Berdasarkan Perjanjian Kerjasama PenerusanKredit No. 2 tanggal 1 November 2004, Perusahaantelah memperoleh persetujuan kerjasama dari BMIdimana fasilitas kerjasama untuk penyaluran kreditkendaraan bermotor roda dua ditingkatkan dariRp300.000 menjadi Rp500.000.
Based on the Credit Channeling CooperationAgreement No. 2 dated November 1, 2004, theCompany has obtained an approval letter from BMIin which the cooperation facility for the creditchanneling of two-wheeled motor vehicles isincreased from Rp300,000 to Rp500,000.
Seluruh fasilitas tersebut bersifat berulang(revolving). Porsi pembiayaan BMI dan Perusahaanmasing-masing 99,00% dan 1,00% (Catatan 28).
All of facility was on a revolving basis. The financingportion of BMI and the Company is 99.00% and1.00%, respectively (Note 28).
Perjanjian ini telah mengalami beberapa kaliperubahan, terakhir perubahan secara menyeluruhPerjanjian Kerjasama Pembiayaan BersamaPemberian Fasilitas Kendaraan Bermotor antaraBMI dengan Perusahaan No. S.2019.103/DirCFS-Consumer Finance-Auto Loan tanggal 3 Mei 2019,fasilitas kerjasama tersebut diubah menjadiRp2.000.000 dengan tanggal jatuh tempo padatanggal 15 Maret 2020.
The agreement has been amended several times,the latest based on the Cooperation Joint Financingof Vehicle Credit Facility between BMI and theCompany No. S.2019.103/DirCFS-ConsumerFinance-Auto Loan dated May 3, 2019, the facility ischanged to Rp2,000,000 with maturity date onMarch 15, 2020.
Tingkat suku bunga efektif yang diberlakukan olehBMI kepada Perusahaan adalah berkisar antara12,25% sampai dengan 14,25% per tahun. Sebagaijaminan adalah kendaraan bermotor yang dibiayaioleh BMI melalui Perusahaan (Catatan 5). Selain itu,Perusahaan wajib mempertahankan nilai rasioperbandingan jumlah seluruh kewajiban terhadapjumlah modal disetor (gearing ratio) on-shore danoff-shore tidak lebih dari 10 : 1.
The effective interest rate charged by BMI to theCompany are ranging from 12.25% to 14.25% perannum. The motor vehicles financed by BMI throughthe Company (Note 5) serve as collateral. Inaddition, the Company is obliged to maintain thegearing ratio on-shore and off-shore of not morethan 10 : 1.
Berdasarkan Akad Kerjasama PembiayaanBersama Fasilitas Pembiayaan MurabahahKendaraan Bermotor antara BMI denganPerusahaan No. SPJ.2015.006/PRESDIR - ShariaBanking tanggal 1 Juli 2015, Perusahaan telahmemperoleh persetujuan kerjasama dari BMIdimana fasilitas kerjasama untuk penyaluran kreditkendaraan bermotor roda dua sebesar Rp2.020.202dengan jangka waktu 3 (tiga) tahun sejakpenandatanganan Akad. Seluruh fasilitas tersebutbersifat berulang (revolving). Porsi pembiayaan BMIdan Perusahaan masing-masing 99,00% dan 1,00%(Catatan 28).
Based on the Cooperation Joint Financing forMurabahah Facility of Vehicle Credit between BMIand the Company No. SPJ.2015.006/PRESDIR -Sharia Banking dated July 1, 2015, the Companyhas obtained an approval letter from BMI in whichthe cooperation facility for the credit channeling oftwo-wheeled motor vehicles amounted toRp2,020,202 with period of the facility three (3)years from the signing date of agreement. All offacility was on revolving basis. The financing portionof BMI and the Company is 99.00% and 1.00%,respectively (Note 28).
Tingkat suku bunga efektif yang diberlakukan olehBMI kepada Perusahaan adalah berkisar antara15,00% sampai dengan 16,00% per tahun padatahun berakhir pada tanggal-tanggal 31 Desember2019 dan 2018. Sebagai jaminan adalah kendaraanbermotor yang dibiayai oleh BMI melaluiPerusahaan (Catatan 5). Selain itu, Perusahaanwajib mempertahankan nilai rasio perbandinganjumlah seluruh kewajiban terhadap jumlah modaldisetor (gearing ratio) on-shore dan off-shore tidaklebih dari 10 : 1.
The effective interest rate charged by BMI to theCompany are ranging from 15.00% to 16.00% perannum for the years ended December 31, 2019 and2018, respectively. The motor vehicles financed byBMI through the Company (Note 5) serve ascollateral. In addition, the Company is obliged tomaintain the gearing ratio on-shore and off-shore ofnot more than 10 : 1.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
471
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
100
27. PERJANJIAN-PERJANJIAN KERJASAMA 27. COOPERATION AGREEMENTS
PT Bank Maybank Indonesia Tbk (“BMI”) PT Bank Maybank Indonesia Tbk (“BMI”)
Berdasarkan Perjanjian Kerjasama PenerusanKredit No. 2 tanggal 1 November 2004, Perusahaantelah memperoleh persetujuan kerjasama dari BMIdimana fasilitas kerjasama untuk penyaluran kreditkendaraan bermotor roda dua ditingkatkan dariRp300.000 menjadi Rp500.000.
Based on the Credit Channeling CooperationAgreement No. 2 dated November 1, 2004, theCompany has obtained an approval letter from BMIin which the cooperation facility for the creditchanneling of two-wheeled motor vehicles isincreased from Rp300,000 to Rp500,000.
Seluruh fasilitas tersebut bersifat berulang(revolving). Porsi pembiayaan BMI dan Perusahaanmasing-masing 99,00% dan 1,00% (Catatan 28).
All of facility was on a revolving basis. The financingportion of BMI and the Company is 99.00% and1.00%, respectively (Note 28).
Perjanjian ini telah mengalami beberapa kaliperubahan, terakhir perubahan secara menyeluruhPerjanjian Kerjasama Pembiayaan BersamaPemberian Fasilitas Kendaraan Bermotor antaraBMI dengan Perusahaan No. S.2019.103/DirCFS-Consumer Finance-Auto Loan tanggal 3 Mei 2019,fasilitas kerjasama tersebut diubah menjadiRp2.000.000 dengan tanggal jatuh tempo padatanggal 15 Maret 2020.
The agreement has been amended several times,the latest based on the Cooperation Joint Financingof Vehicle Credit Facility between BMI and theCompany No. S.2019.103/DirCFS-ConsumerFinance-Auto Loan dated May 3, 2019, the facility ischanged to Rp2,000,000 with maturity date onMarch 15, 2020.
Tingkat suku bunga efektif yang diberlakukan olehBMI kepada Perusahaan adalah berkisar antara12,25% sampai dengan 14,25% per tahun. Sebagaijaminan adalah kendaraan bermotor yang dibiayaioleh BMI melalui Perusahaan (Catatan 5). Selain itu,Perusahaan wajib mempertahankan nilai rasioperbandingan jumlah seluruh kewajiban terhadapjumlah modal disetor (gearing ratio) on-shore danoff-shore tidak lebih dari 10 : 1.
The effective interest rate charged by BMI to theCompany are ranging from 12.25% to 14.25% perannum. The motor vehicles financed by BMI throughthe Company (Note 5) serve as collateral. Inaddition, the Company is obliged to maintain thegearing ratio on-shore and off-shore of not morethan 10 : 1.
Berdasarkan Akad Kerjasama PembiayaanBersama Fasilitas Pembiayaan MurabahahKendaraan Bermotor antara BMI denganPerusahaan No. SPJ.2015.006/PRESDIR - ShariaBanking tanggal 1 Juli 2015, Perusahaan telahmemperoleh persetujuan kerjasama dari BMIdimana fasilitas kerjasama untuk penyaluran kreditkendaraan bermotor roda dua sebesar Rp2.020.202dengan jangka waktu 3 (tiga) tahun sejakpenandatanganan Akad. Seluruh fasilitas tersebutbersifat berulang (revolving). Porsi pembiayaan BMIdan Perusahaan masing-masing 99,00% dan 1,00%(Catatan 28).
Based on the Cooperation Joint Financing forMurabahah Facility of Vehicle Credit between BMIand the Company No. SPJ.2015.006/PRESDIR -Sharia Banking dated July 1, 2015, the Companyhas obtained an approval letter from BMI in whichthe cooperation facility for the credit channeling oftwo-wheeled motor vehicles amounted toRp2,020,202 with period of the facility three (3)years from the signing date of agreement. All offacility was on revolving basis. The financing portionof BMI and the Company is 99.00% and 1.00%,respectively (Note 28).
Tingkat suku bunga efektif yang diberlakukan olehBMI kepada Perusahaan adalah berkisar antara15,00% sampai dengan 16,00% per tahun padatahun berakhir pada tanggal-tanggal 31 Desember2019 dan 2018. Sebagai jaminan adalah kendaraanbermotor yang dibiayai oleh BMI melaluiPerusahaan (Catatan 5). Selain itu, Perusahaanwajib mempertahankan nilai rasio perbandinganjumlah seluruh kewajiban terhadap jumlah modaldisetor (gearing ratio) on-shore dan off-shore tidaklebih dari 10 : 1.
The effective interest rate charged by BMI to theCompany are ranging from 15.00% to 16.00% perannum for the years ended December 31, 2019 and2018, respectively. The motor vehicles financed byBMI through the Company (Note 5) serve ascollateral. In addition, the Company is obliged tomaintain the gearing ratio on-shore and off-shore ofnot more than 10 : 1.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
101
27. PERJANJIAN-PERJANJIAN KERJASAMA(lanjutan)
27. COOPERATION AGREEMENTS (continued)
PT Bank Maybank Indonesia Tbk (“BMI”) (lanjutan) PT Bank Maybank Indonesia Tbk (“BMI”)(continued)
Perjanjian dengan BMI adalah perjanjian withoutrecourse sehingga utang bank dan pembiayaankonsumen yang terkait disajikan secara neto.
The arrangement with BMI is on a without recoursebasis and therefore the related bank loans andconsumer financing receivables are presented atnet.
Pada tanggal 31 Desember 2019 dan 2018,Perusahaan telah mematuhi seluruh persyaratanpenting sehubungan dengan persyaratan yangdiberikan oleh BMI tersebut di atas.
As of December 31, 2019 and 2018, the Companyhas complied with all significant terms and conditionrelated to cooperation agreement as required byBMI.
28. TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI
28. TRANSACTIONS AND BALANCES WITHRELATED PARTIES
Dalam kegiatan usaha normal, Perusahaanmelakukan transaksi dengan pihak-pihak berelasi.Pihak-pihak berelasi dan sifat hubungan adalahsebagai berikut:
In the normal course of business, the Company isengaged in transactions with related parties.The related parties and nature of relationship are asfollows:
Pihak berelasi/Related parties
Sifat dari hubungan/Nature of relationship
Sifat dari transaksi/Nature of transaction
PT Bank Maybank Indonesia Tbk(“BMI”)
Pemegang saham mayoritasPerusahaan/The majority shareholder of theCompany
Rekening giro, deposito, utang obligasi,perjanjian kerjasama pembiayaan, utangsubordinasi, pendapatan bunga, penyalurankredit, dan beban pendanaan/Currentaccounts, time deposit, bonds payable, jointfinancing, subordinated loan, interestincome, credit channeling, and financingcost
PT Maybank Indonesia Finance Tbk(“MIF”)
Hubungan entitas pengendali denganPerusahaan/Under common ownership withthe Company
Fasilitas pembiayaan konsumen-kendaraan/Financing facilities-vehicles
PT Wahanaartha Ritelindo (”WARI”) Hubungan afiliasi denganPerusahaan/Under affiliation with theCompany
Utang dealer dan beban sewa/Payable todealers and rentals
Malayan Banking Berhad(”Maybank”)
Pemegang saham utama BMI/The ultimateshareholder BMI
Beban pendanaan/Financing cost
PT Asuransi Etiqa InternasionalIndonesia (”Etiqa”) (dahulu PTAsuransi Asoka Mas)/PT AsuransiEtiqa Internasional Indonesia(”Etiqa”) (formerly PT Asuransi AsokaMas)
Hubungan afiliasi denganPerusahaan/Under affiliation with theCompany
Utang asuransi dan premiasuransi/Insurance payables and insurancepremium
PT Maybank Kim Eng Sekuritas (”KimEng”)
Hubungan afiliasi denganPerusahaan/Under affiliation with theCompany
Jasa penjaminan emisi obligasi/Bondsunderwriting services
Dewan Komisaris dan Direksi/Boardof Commissioners and Directors
Personil manajemen kunci/Keymanagement personnel
Pinjaman karyawan, gaji, dantunjangan/Loans to employee, salaries, andbenefits
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH472
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
102
28. TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI (lanjutan)
28. TRANSACTIONS AND BALANCES WITHRELATED PARTIES (continued)
Ringkasan saldo dengan pihak-pihak berelasi danpersentase saldo dengan pihak-pihak berelasiterhadap total aset, liabilitas serta pendapatan danbeban adalah sebagai berikut:
The summary of related parties balances andpercentages of related parties balances to totalassets, liabilities, revenues and expenses are asfollows:
31 Desember/December 31,
2019 2018
ASET ASSETSKas dan setara kas Cash and cash equivalents
Bank (Catatan 4) 492.817 973.394 Cash in banks (Note 4)Deposito (Catatan 4) 60.000 60.000 Time deposit (Note 4)
Piutang lain-lain Other receivablesPinjaman karyawan (Catatan 6) 4.561 3.601 Loans to employees (Note 6)
Persentase terhadap total aset Percentage to total assetsKas dan setara kas Cash and cash equivalents
Bank 5,96% 11,03% Cash in BanksDeposito 0,73% 0,68% Time deposit
Piutang lain-lain Other receivablesPinjaman karyawan 0,06% 0,04% Loans to employee
LIABILITAS LIABILITIESBiaya masih harus dibayar Accrued expenses
Beban bunga atas utang bank, Interest on bank loan,utang subordinasi, dan subordinated loan, andutang obligasi bonds payable(Catatan 11, 12, 13, dan 16) 2.727 1.753 (Notes 11, 12, 13, and 16)
Utang obligasi (Catatan 16) 79.907 79.841 Bonds payable (Note 16)Utang subordinasi (Catatan 12) 200.000 100.000 Subordinated loan (Note 12)Utang lain-lain Other payables
Utang pembiayaan konsumen- Consumer financing loans-kendaraan (Catatan 8 dan 15) 10.711 7.857 vehicles (Notes 8 and 15)
Utang dealer (Catatan 15) 811 733 Payables to dealers (Note 15)Utang asuransi (Catatan 15) 714 - Insurance payables (Note 15)Utang atas transaksi pembiayaan Payables on joint
bersama (Catatan 15) 484 16.314 financing (Note 15)
Persentase terhadap total liabilitas Percentage to total liabilitiesBiaya masih harus dibayar Accrued expenses
Beban bunga atas utang bank, Interest on bank loan,utang subordinasi, dan subordinated loan, andutang obligasi 0,04% 0,02% bond payable
Utang obligasi 1,16% 1,04% Bonds payableUtang subordinasi 2,90% 1,31% Subordinated loanUtang lain-lain Other payables
Utang pembiayaan konsumen- Consumer financing loans-kendaraan 0,16% 0,10% vehicles
Utang dealer 0,01% 0,00% Payables to dealersUtang asuransi 0,01% - Insurance payablesUtang atas transaksi
pembiayaan bersama 0,01% 0,21% Payables on joint financing
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
473
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
102
28. TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI (lanjutan)
28. TRANSACTIONS AND BALANCES WITHRELATED PARTIES (continued)
Ringkasan saldo dengan pihak-pihak berelasi danpersentase saldo dengan pihak-pihak berelasiterhadap total aset, liabilitas serta pendapatan danbeban adalah sebagai berikut:
The summary of related parties balances andpercentages of related parties balances to totalassets, liabilities, revenues and expenses are asfollows:
31 Desember/December 31,
2019 2018
ASET ASSETSKas dan setara kas Cash and cash equivalents
Bank (Catatan 4) 492.817 973.394 Cash in banks (Note 4)Deposito (Catatan 4) 60.000 60.000 Time deposit (Note 4)
Piutang lain-lain Other receivablesPinjaman karyawan (Catatan 6) 4.561 3.601 Loans to employees (Note 6)
Persentase terhadap total aset Percentage to total assetsKas dan setara kas Cash and cash equivalents
Bank 5,96% 11,03% Cash in BanksDeposito 0,73% 0,68% Time deposit
Piutang lain-lain Other receivablesPinjaman karyawan 0,06% 0,04% Loans to employee
LIABILITAS LIABILITIESBiaya masih harus dibayar Accrued expenses
Beban bunga atas utang bank, Interest on bank loan,utang subordinasi, dan subordinated loan, andutang obligasi bonds payable(Catatan 11, 12, 13, dan 16) 2.727 1.753 (Notes 11, 12, 13, and 16)
Utang obligasi (Catatan 16) 79.907 79.841 Bonds payable (Note 16)Utang subordinasi (Catatan 12) 200.000 100.000 Subordinated loan (Note 12)Utang lain-lain Other payables
Utang pembiayaan konsumen- Consumer financing loans-kendaraan (Catatan 8 dan 15) 10.711 7.857 vehicles (Notes 8 and 15)
Utang dealer (Catatan 15) 811 733 Payables to dealers (Note 15)Utang asuransi (Catatan 15) 714 - Insurance payables (Note 15)Utang atas transaksi pembiayaan Payables on joint
bersama (Catatan 15) 484 16.314 financing (Note 15)
Persentase terhadap total liabilitas Percentage to total liabilitiesBiaya masih harus dibayar Accrued expenses
Beban bunga atas utang bank, Interest on bank loan,utang subordinasi, dan subordinated loan, andutang obligasi 0,04% 0,02% bond payable
Utang obligasi 1,16% 1,04% Bonds payableUtang subordinasi 2,90% 1,31% Subordinated loanUtang lain-lain Other payables
Utang pembiayaan konsumen- Consumer financing loans-kendaraan 0,16% 0,10% vehicles
Utang dealer 0,01% 0,00% Payables to dealersUtang asuransi 0,01% - Insurance payablesUtang atas transaksi
pembiayaan bersama 0,01% 0,21% Payables on joint financing
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
103
28. TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI (lanjutan)
28. TRANSACTIONS AND BALANCES WITHRELATED PARTIES (continued)
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
PENDAPATAN REVENUESPendapatan bunga kas dan Interest income on cash and
setara kas - bersih setelah pajak 23.311 8.721 cash equivalents - net of tax
Persentase terhadaptotal pendapatan Percentage to total revenues
Pendapatan bunga kas dan Interest income on cash andsetara kas - bersih setelah pajak 0,88% 0,33% cash equivalents - net of tax
BEBAN EXPENSESPremi asuransi (Catatan 23) 714 - Insurance premium (Notes 23)Beban umum dan administrasi General and administrative expense
Sewa (Catatan 23) 405 454 Rentals (Note 23)Beban pendanaan atas utang Financing costs on subordinated loan
subordinasi (Catatan 12 dan 25) 15.111 14.194 (Notes 12 and 25)Beban pendanaan atas utang obligasi Financing cost on bond payable
(Catatan 16 dan 25) 7.287 17.637 (Notes 16 and 25)Beban lain-lain - bunga atas utang Other expenses - interest on
pembiayaan konsumen - kendaraan consumer financing loans - vehicles(Catatan 15 dan 26) 1.200 1.254 (Notes 15 and 26)
Persentase terhadap total beban Percentage to total expensesPremi asuransi 0,03% 0,00% Insurance PremiumBeban umum dan administrasi - General and administrative expense -
Sewa 0,02% 0,02% RentalsBeban pendanaan atas utang Financing costs on
subordinasi 0,66% 0,61% subordinated loanBeban pendanaan atas utang obligasi 0,32% 0,76% Financing cost on bond payableBeban lain-lain - bunga atas utang Other expenses - interest on
pembiayaan konsumen - kendaraan 0,05% 0,05% consumer financing loans - vehicles
31 Desember/December 31,
2019 2018
Dewan DewanKomisaris/ Komisaris/Board of Board of
Commissioners Commissioners
Imbalan kerja jangka pendek - gaji 2.875 2.753 Short term employment benefits - salariesImbalan kerja jangka pendek - Short term employment benefits -
tunjangan lainnya 605 577 others benefit
Total 3.480 3.330 Total
Desember/December 31,
2019 2018
Direksi/Board of Direksi/Board ofDirectors Directors
Imbalan kerja jangka pendek - gaji 7.173 7.133 Short term employment benefits - salariesImbalan kerja jangka pendek - Short term employment benefits -
tunjangan lainnya 5.901 6.416 others benefit
Total 13.074 13.549 Total
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH474
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
104
29. LIABILITAS IMBALAN KERJA 29. LIABILITY FOR EMPLOYEE BENEFITS
Perusahaan mencatat liabilitas imbalan kerja danimbalan jangka panjang lainnya pada tanggal31 Desember 2019 dan 2018 masing-masingsebesar Rp135.970 dan Rp128.944.
The Company accrued the liability for employeebenefits and other long-term benefits as ofDecember 31, 2019 and 2018 amounting toRp135,970 and Rp128,944, respectively.
Rekonsiliasi jumlah (aset) liabilitas imbalan pastineto adalah sebagai berikut:
Reconciliation of the net defined (asset) liabilitiesare as follows:
31 Desember/December 31,
2019 2018
Present value ofNilai kini kewajiban imbalan pasti 139.542 132.094 the defined benefit obligationNilai wajar aset program (3.572) (3.150) Fair value of plan asset
Defisit 135.970 128.944 Deficit
Liabilitas Imbalan Pasti Neto 135.970 128.944 Net Defined Benefit Liability
Perubahan nilai kini kewajiban imbalan pasti adalahsebagai berikut:
The changes in the present value of benefitobligation are as follows:
31 Desember/December 31,
2019 2018
Nilai kini kewajiban imbalan Present value of the defined benefitpasti pada awal tahun 132.094 148.307 obligation at the beginning of the year
Biaya jasa kini 16.216 15.253 Current service costBiaya bunga 10.568 10.382 Interest CostLain-lain (1.487) (2.381) OthersManfaat yang dibayarkan Benefit paid
Pembayaran manfaat dari aset program (10.864) (4.384) Benefit paid by plan assetPembayaran manfaat dari pemberi kerja (2.115) (7.576) Benefit paid by employer
Keuntungan aktuaria (4.870) (27.507) Actuarial gain
Total 139.542 132.094 Total
Mutasi liabilitas imbalan kerja karyawan adalahsebagai berikut:
The changes in the liability for employee benefitsare as follows:
31 Desember/December 31,
2019 2018
Saldo awal 128.944 148.307 Beginning balanceBeban imbalan kerja karyawan Employee benefits expense
selama tahun berjalan 25.011 23.253 during the current yearManfaat yang dibayarkan Benefit paids during
selama tahun berjalan the current yearPembayaran iuran (11.000) (7.534) Contribution paidPembayaran manfaat (2.115) (7.576) Benefit paid
Jumlah yang diakui di Total amount recognized inpendapatan komprehensif lainnya (4.870) (27.506) other comprehensive income
Saldo akhir 135.970 128.944 Ending balance
Mutasi nilai wajar atas aset program selama tahunberjalan adalah sebagai berikut:
The movements in the fair value of plan assets ofthe year are as follows:
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
475
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
104
29. LIABILITAS IMBALAN KERJA 29. LIABILITY FOR EMPLOYEE BENEFITS
Perusahaan mencatat liabilitas imbalan kerja danimbalan jangka panjang lainnya pada tanggal31 Desember 2019 dan 2018 masing-masingsebesar Rp135.970 dan Rp128.944.
The Company accrued the liability for employeebenefits and other long-term benefits as ofDecember 31, 2019 and 2018 amounting toRp135,970 and Rp128,944, respectively.
Rekonsiliasi jumlah (aset) liabilitas imbalan pastineto adalah sebagai berikut:
Reconciliation of the net defined (asset) liabilitiesare as follows:
31 Desember/December 31,
2019 2018
Present value ofNilai kini kewajiban imbalan pasti 139.542 132.094 the defined benefit obligationNilai wajar aset program (3.572) (3.150) Fair value of plan asset
Defisit 135.970 128.944 Deficit
Liabilitas Imbalan Pasti Neto 135.970 128.944 Net Defined Benefit Liability
Perubahan nilai kini kewajiban imbalan pasti adalahsebagai berikut:
The changes in the present value of benefitobligation are as follows:
31 Desember/December 31,
2019 2018
Nilai kini kewajiban imbalan Present value of the defined benefitpasti pada awal tahun 132.094 148.307 obligation at the beginning of the year
Biaya jasa kini 16.216 15.253 Current service costBiaya bunga 10.568 10.382 Interest CostLain-lain (1.487) (2.381) OthersManfaat yang dibayarkan Benefit paid
Pembayaran manfaat dari aset program (10.864) (4.384) Benefit paid by plan assetPembayaran manfaat dari pemberi kerja (2.115) (7.576) Benefit paid by employer
Keuntungan aktuaria (4.870) (27.507) Actuarial gain
Total 139.542 132.094 Total
Mutasi liabilitas imbalan kerja karyawan adalahsebagai berikut:
The changes in the liability for employee benefitsare as follows:
31 Desember/December 31,
2019 2018
Saldo awal 128.944 148.307 Beginning balanceBeban imbalan kerja karyawan Employee benefits expense
selama tahun berjalan 25.011 23.253 during the current yearManfaat yang dibayarkan Benefit paids during
selama tahun berjalan the current yearPembayaran iuran (11.000) (7.534) Contribution paidPembayaran manfaat (2.115) (7.576) Benefit paid
Jumlah yang diakui di Total amount recognized inpendapatan komprehensif lainnya (4.870) (27.506) other comprehensive income
Saldo akhir 135.970 128.944 Ending balance
Mutasi nilai wajar atas aset program selama tahunberjalan adalah sebagai berikut:
The movements in the fair value of plan assets ofthe year are as follows:
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
105
29. LIABILITAS IMBALAN KERJA (lanjutan) 29. LIABILITY FOR EMPLOYEE BENEFITS(continued)
31 Desember/December 31,
2019 2018
Nilai wajar aset program Fair value of planpada awal tahun 3.150 - at the beginning of year
Pendapatan bunga atas aset program 252 - Interest income on plan assetIuran yang dibayarkan Contribution paid
Iuran yang dibayarkanoleh pemberi kerja 11.000 7.534 Contribution paid by employer
Pembayaran manfaat dari aset program (10.864) (4.384) Benefit paid by plan assetsImbal hasil atas aset program, tidak termasuk return on plan assets, excluding amounts
jumlah yang dimasukan dalam bunga include in net interest on the net definedneto atas liabilitas (aset) imbalan pasti benefit liability (asset)neto 34 - net
Nilai wajar aset program 3.572 3.150 Fair value of plan assets pada akhir tahun at the end of year
Total beban yang diakui pada laba rugi atas imbalankerja karyawan adalah sebagai berikut:
The total expense recognized in the profit or loss foremployee benefits are as follows:
31 Desember/December 31,
2019 2018
Biaya jasa kini 16.216 15.253 Current service costBiaya bunga 10.316 10.381 Interest costsImbalan kerja karyawan
jangka panjang lainnya (1.521) (2.381) Other long-term employee benefits
Beban imbalan kerja karyawan Employee benefits expenseselama tahun berjalan 25.011 23.253 during the current year
Mulai tanggal 19 Oktober 2018, Perusahaanmelakukan perjanjian kerja sama dengan DanaPensiun Lembaga Keuangan AIA Financial (pihakketiga) terkait dengan pengelolaan program pensiununtuk kompensasi pesangon. Program tersebutmemenuhi kriteria sebagai plan assets.
Starting from October 19, 2018, the Company enteredinto Cooperation Agreement with Dana PensiunLembaga Keuangan AIA Financial (third party) for themanagement of pension program for severancecompensation. The program meets the criteria of planassets.
Pada tanggal 31 Desember 2019 dan 2018, nilaiinvestasi yang dikutip di pasar aktif atas instrumentpasar uang Money market PPUPK masing-masingsebesar Rp3.572 dan Rp3.150.
As of December 31, 2019 and 2018, investmentquoted in active market for Money market instrumentPPUPK amounting to Rp3,572 and Rp3,150,respectively.
Perusahaan mencatat liabilitas imbalan kerja danimbalan jangka panjang lainnya pada tanggal-tanggal 31 Desember 2019 dan 2018 berdasarkanperhitungan aktuaris independen yang dilakukanoleh PT Sentra Jasa Aktuaria, yang dalamlaporannya masing-masing tertanggal 10 Januari2020 dan 10 Januari 2019, menggunakan metode“Projected Unit Credit” dan asumsi-asumsi sebagaiberikut:
The Company accrued the liability for employeebenefits and other long-term benefits as ofDecember 31, 2019 and 2018, based on theindependent actuarial calculation prepared by PTSentra Jasa Aktuaria, an independent actuary, whosereport dated January 10, 2020 and January 10, 2019,respectively, applied the “Projected Unit Credit”method and the following assumptions:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH476
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
106
29. LIABILITAS IMBALAN KERJA (lanjutan) 29. LIABILITY FOR EMPLOYEE BENEFITS(continued)
31 Desember/December 31,
2019 2018
Tingkat diskonto (per tahun) 7,50 % 8,00% Discount rate (per annum)Tingkat kenaikan gaji tahunan 7,00 % 7,00% Annual salary increasesTingkat mortalitas Tabel Mortalita Indonesia’11/ Mortality rate
Indonesia Mortality Table’11Tingkat cacat 10,00% tingkat mortalitas Disability rate
10.00% mortality RateTingkat pengunduran diri Resignation rate
dari karyawan sebelum for employee beforeusia 30 tahun dan the age of 30 andmenurun secara linier will linearlysampai dengan decrease until0,00% pada umur 53 tahun 10,00% 0.00% at the age of 53
Usia pensiun 55 tahun/55 years Retirement age
Tabel berikut menyajikan sensitivitas ataskemungkinan perubahan tingkat suku bunga pasar,dengan variable lain dianggap tetap, terhadapliabilitas imbalan kerja dan beban jasa kini masing-masing pada tanggal 31 Desember 2019 dan 2018:
The following tables summarize the sensitivity toa reasonably possible change in market interestrates, with all other variables held constant, of theliability for employee benefits and current servicecost as of December 31, 2019 and 2018,respectively:
31 Desember/December 31, 2019 31 Desember/December 31, 2018
Nilai kini Nilai kinikewajiban kewajiban
imbalan pasti/ imbalan pasti/Present value Beban jasa kini/ Present value Beban jasa kini/of the benefit Current service of the benefit Current service
obligation cost obligation cost
Kenaikan suku bunga Increase in interest ratedalam 1 poin persentase (9.952) (1.783) (13.018) (1.668) in 1 percentage point
Penurunan suku bunga Decrease in interest ratedalam 1 poin persentase 19.249 2.112 15.093 1.968 1 percentage point
Tabel berikut menyajikan sensitivitas ataskemungkinan perubahan tingkat kenaikan gajimasa depan, dengan variable lain dianggap tetap,terhadap liabilitas imbalan kerja dan beban jasakini masing-masing pada tanggal 31 Desember2019 dan 2018:
The following tables summarize the sensitivity toa reasonably possible change in future salaryincremental rates, with all other variables heldconstant, of the liability for employee benefits andcurrent service cost as of December 31, 2019 and2018, respectively:
31 Desember/December 31, 2019 31 Desember/December 31, 2018
Nilai kini Nilai kinikewajiban kewajiban
imbalan pasti/ imbalan pasti/Present value Beban jasa kini/ Present value Beban jasa kini/of the benefit Current service of the benefit Current service
cost cost cost cost
Kenaikan gaji dalam 1 poin Increase in salarypersentase 19.168 2.101 15.089 1.968 in 1 percentage point
Penurunan gaji dalam 1 poin Decrease in salarypersentase (10.127) (1.806) (13.243) (1.697) in 1 percentage point
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
477
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
106
29. LIABILITAS IMBALAN KERJA (lanjutan) 29. LIABILITY FOR EMPLOYEE BENEFITS(continued)
31 Desember/December 31,
2019 2018
Tingkat diskonto (per tahun) 7,50 % 8,00% Discount rate (per annum)Tingkat kenaikan gaji tahunan 7,00 % 7,00% Annual salary increasesTingkat mortalitas Tabel Mortalita Indonesia’11/ Mortality rate
Indonesia Mortality Table’11Tingkat cacat 10,00% tingkat mortalitas Disability rate
10.00% mortality RateTingkat pengunduran diri Resignation rate
dari karyawan sebelum for employee beforeusia 30 tahun dan the age of 30 andmenurun secara linier will linearlysampai dengan decrease until0,00% pada umur 53 tahun 10,00% 0.00% at the age of 53
Usia pensiun 55 tahun/55 years Retirement age
Tabel berikut menyajikan sensitivitas ataskemungkinan perubahan tingkat suku bunga pasar,dengan variable lain dianggap tetap, terhadapliabilitas imbalan kerja dan beban jasa kini masing-masing pada tanggal 31 Desember 2019 dan 2018:
The following tables summarize the sensitivity toa reasonably possible change in market interestrates, with all other variables held constant, of theliability for employee benefits and current servicecost as of December 31, 2019 and 2018,respectively:
31 Desember/December 31, 2019 31 Desember/December 31, 2018
Nilai kini Nilai kinikewajiban kewajiban
imbalan pasti/ imbalan pasti/Present value Beban jasa kini/ Present value Beban jasa kini/of the benefit Current service of the benefit Current service
obligation cost obligation cost
Kenaikan suku bunga Increase in interest ratedalam 1 poin persentase (9.952) (1.783) (13.018) (1.668) in 1 percentage point
Penurunan suku bunga Decrease in interest ratedalam 1 poin persentase 19.249 2.112 15.093 1.968 1 percentage point
Tabel berikut menyajikan sensitivitas ataskemungkinan perubahan tingkat kenaikan gajimasa depan, dengan variable lain dianggap tetap,terhadap liabilitas imbalan kerja dan beban jasakini masing-masing pada tanggal 31 Desember2019 dan 2018:
The following tables summarize the sensitivity toa reasonably possible change in future salaryincremental rates, with all other variables heldconstant, of the liability for employee benefits andcurrent service cost as of December 31, 2019 and2018, respectively:
31 Desember/December 31, 2019 31 Desember/December 31, 2018
Nilai kini Nilai kinikewajiban kewajiban
imbalan pasti/ imbalan pasti/Present value Beban jasa kini/ Present value Beban jasa kini/of the benefit Current service of the benefit Current service
cost cost cost cost
Kenaikan gaji dalam 1 poin Increase in salarypersentase 19.168 2.101 15.089 1.968 in 1 percentage point
Penurunan gaji dalam 1 poin Decrease in salarypersentase (10.127) (1.806) (13.243) (1.697) in 1 percentage point
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
107
29. LIABILITAS IMBALAN KERJA (lanjutan) 29. LIABILITY FOR EMPLOYEE BENEFITS(continued)
Jatuh tempo dari liabilitas imbalan kerja yang tidakdidiskontokan adalah sebagai berikut: (tidak diaudit)
The maturity of the undiscounted liability foremployee benefits are as follows: (unaudited)
31 Desember/December 31,
2019 2018
1 tahun 1.241 1.106 1 yearAntara 1 - 2 tahun 2.410 1.276 Between 1 - 2 yearsAntara 2 sampai 5 tahun 19.015 15.158 Between 2 to 5 yearsAntara 5 sampai 10 tahun 79.902 87.694 Between 5 to 10 yearsDiatas dari 10 tahun 1.856.538 1.782.190 Up 10 years
30. MANAJEMEN RISIKO KEUANGAN 30. FINANCIAL RISK MANAGEMENT
Perusahaan dihadapkan pada risiko tingkat sukubunga, risiko kredit, dan risiko likuiditas.
The Company is exposed to interest rate risk, creditrisk, and liquidity risk.
Risiko tingkat suku bunga Interest rate risk
Risiko tingkat suku bunga adalah risiko bahwa nilaiwajar atau arus kas masa datang atas instrumenkeuangan akan berfluktuasi karena perubahan sukubunga pasar. Kebijakan Perusahaan mengatur agarsuku bunga pinjaman dari bank dan obligasi (cost offund) menggunakan suku bunga tetap (fixed rate)agar dapat menyesuaikan dengan suku bunga tetapyang dikenakan kepada konsumen.
Interest rate risk is the risk that the fair value orfuture cash flows of a financial instrument willfluctuate because of changes in market interestrates. The Company’s policy is to manage its loansor bonds’ interest rate (cost of fund) using fixed ratein order to match the fixed interest rate which arecharged to consumers.
Tabel di bawah ini menggambarkan rincian jatuhtempo aset dan liabilitas Perusahaan yangdipengaruhi oleh tingkat suku bunga.
The following table represents a breakdown ofmaturity dates of the Company’s assets andliabilities which are affected by interest rate.
31 Desember/December 31, 2019
Bunga tetap/Fixed rateTidak
Bunga Kurang dari Lebih dari dikenakanmengambang/ satu tahun/ 5 tahun/ bunga/Non
Floating Less than 1-5 tahun/ More than interestrate one year 1-5 years 5 years bearing Total/Total
ASET ASSETSKas dan setara kas 741.576 - - - 9.985 751.561 Cash and cash equivalentsPiutang pembiayaan Consumer financing
konsumen - neto - 4.313.229 2.891.986 - - 7.205.215 receivables - netPiutang lain-lain - 838 1.802 2.326 41.608 46.574 Other receivablesUang muka dealer - - - - 10.147 10.147 Dealer advancesAset non keuangan - - - - 257.673 257.673 Non financial assets
Total aset 741.576 4.314.067 2.893.788 2.326 319.413 8.271.170 Total assets
LIABILITAS LIABILITIESUtang bank - 2.313.990 1.308.886 - - 3.622.876 Bank loansBiaya masih Accrued expenses -
harus dibayar - bunga - 34.830 - - - 34.830 interestUtang lain-lain - - 15.013 - 143.294 158.307 Other payablesUtang obligasi - neto - 1.610.898 1.040.642 - - 2.651.540 Bonds payable - netUtang subordinasi - - 200.000 - - 200.000 Subordinated loanLiabilitas
non keuangan - - - - 233.040 233.040 Non financial liabilities
Total liabilitas - 3.959.718 2.564.541 - 376.334 6.900.593 Total liabilities
Neto 741.576 354.349 329.247 2.326 (56.921) 1.370.577 Net
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH478
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
108
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Risiko tingkat suku bunga (lanjutan) Interest rate risk (continued)
31 Desember/December 31, 2018
Bunga tetap/Fixed rateTidak
Bunga Kurang dari Lebih dari dikenakanmengambang/ satu tahun/ 5 tahun/ bunga/Non
Floating Less than 1-5 tahun/ More than interestrate one year 1-5 years 5 years bearing Total/Total
ASET ASSETSKas dan setara kas 1.219.853 - - - 23.723 1.243.576 Cash and cash equivalentsPiutang pembiayaan Consumer financing
konsumen - neto - 4.308.467 2.934.601 - - 7.243.068 receivables - netPiutang lain-lain - 964 1.741 1.744 67.895 72.344 Other receivablesUang muka dealer - - - - 17.634 17.634 Dealer advancesAset non keuangan - - - - 250.685 250.685 Non financial assets
Total aset 1.219.853 4.309.431 2.936.342 1.744 359.937 8.827.307 Total assets
LIABILITAS LIABILITIESUtang bank - 2.966.743 1.592.958 - - 4.559.701 Bank loansBiaya masih Accrued expenses -
harus dibayar - bunga - 38.535 - - - 38.535 interestUtang lain-lain - - 15.642 - 223.555 239.197 Other payablesUtang obligasi - neto - 1.550.494 978.103 - - 2.528.597 Bonds payable - netUtang subordinasi - 100.000 - - - 100.000 Subordinated loanLiabilitas
non keuangan - - - - 189.616 189.616 Non financial liabilities
Total liabilitas - 4.655.772 2.586.703 - 413.171 7.655.646 Total liabilities
Neto 1.219.853 (346.341) 349.639 1.744 (53.234) 1.171.661 Net
Analisis sensitivitas Sensitivity analysis
Manajemen risiko suku bunga terhadap bataskesenjangan suku bunga dilengkapi denganpemantauan sensitivitas aset dan liabilitaskeuangan Perusahaan terhadap berbagai skenariosuku bunga baku maupun non-baku. Skenario bakubulanan mencakup analisis kenaikan ataupenurunan kurva imbal hasil sebesar 0,5 poinpersentase.
The management of interest rate risk againstinterest rate gap limits is supplemented bymonitoring the sensitivity of the Company’sfinancial assets and liabilities to various standardand non-standard interest rate scenarios. Standardscenarios that are considered on a monthly basisinclude a 0.5 percentage point parallel fall or rise inall yield curves.
Dalam menyusun analisis sensitivitas, Perusahaanmenggunakan perubahan tingkat suku bungapasar sebesar 0,5 poin persentase, denganvariable lain dianggap tetap terhadap pendapatanpembiayaan konsumen dan beban pendanaan.
In preparing a sensitivity analysis, the Companyuses changes in market interest rate of 0.5percentage points, with other variable consideredfixed on consumer financing income and financingcosts.
Tabel berikut menunjukkan sensitivitas ataskemungkinan perubahan tingkat suku bunga pasar,dengan variabel lain dianggap tetap, terhadappendapatan pembiayaan konsumen:
The following tables demonstrates the sensitivity toa reasonably possible change in market interestrates, with all other variables held constant, of theconsumer financing income:
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Kenaikan suku bunga Increase in interest ratedalam 0,5 poin persentase 9.869 12.509 in 0.5 percentage point
Penurunan suku bunga Decrease in interest ratedalam 0,5 poin persentase (9.837) (12.473) in 0.5 percentage point
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
479
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
108
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Risiko tingkat suku bunga (lanjutan) Interest rate risk (continued)
31 Desember/December 31, 2018
Bunga tetap/Fixed rateTidak
Bunga Kurang dari Lebih dari dikenakanmengambang/ satu tahun/ 5 tahun/ bunga/Non
Floating Less than 1-5 tahun/ More than interestrate one year 1-5 years 5 years bearing Total/Total
ASET ASSETSKas dan setara kas 1.219.853 - - - 23.723 1.243.576 Cash and cash equivalentsPiutang pembiayaan Consumer financing
konsumen - neto - 4.308.467 2.934.601 - - 7.243.068 receivables - netPiutang lain-lain - 964 1.741 1.744 67.895 72.344 Other receivablesUang muka dealer - - - - 17.634 17.634 Dealer advancesAset non keuangan - - - - 250.685 250.685 Non financial assets
Total aset 1.219.853 4.309.431 2.936.342 1.744 359.937 8.827.307 Total assets
LIABILITAS LIABILITIESUtang bank - 2.966.743 1.592.958 - - 4.559.701 Bank loansBiaya masih Accrued expenses -
harus dibayar - bunga - 38.535 - - - 38.535 interestUtang lain-lain - - 15.642 - 223.555 239.197 Other payablesUtang obligasi - neto - 1.550.494 978.103 - - 2.528.597 Bonds payable - netUtang subordinasi - 100.000 - - - 100.000 Subordinated loanLiabilitas
non keuangan - - - - 189.616 189.616 Non financial liabilities
Total liabilitas - 4.655.772 2.586.703 - 413.171 7.655.646 Total liabilities
Neto 1.219.853 (346.341) 349.639 1.744 (53.234) 1.171.661 Net
Analisis sensitivitas Sensitivity analysis
Manajemen risiko suku bunga terhadap bataskesenjangan suku bunga dilengkapi denganpemantauan sensitivitas aset dan liabilitaskeuangan Perusahaan terhadap berbagai skenariosuku bunga baku maupun non-baku. Skenario bakubulanan mencakup analisis kenaikan ataupenurunan kurva imbal hasil sebesar 0,5 poinpersentase.
The management of interest rate risk againstinterest rate gap limits is supplemented bymonitoring the sensitivity of the Company’sfinancial assets and liabilities to various standardand non-standard interest rate scenarios. Standardscenarios that are considered on a monthly basisinclude a 0.5 percentage point parallel fall or rise inall yield curves.
Dalam menyusun analisis sensitivitas, Perusahaanmenggunakan perubahan tingkat suku bungapasar sebesar 0,5 poin persentase, denganvariable lain dianggap tetap terhadap pendapatanpembiayaan konsumen dan beban pendanaan.
In preparing a sensitivity analysis, the Companyuses changes in market interest rate of 0.5percentage points, with other variable consideredfixed on consumer financing income and financingcosts.
Tabel berikut menunjukkan sensitivitas ataskemungkinan perubahan tingkat suku bunga pasar,dengan variabel lain dianggap tetap, terhadappendapatan pembiayaan konsumen:
The following tables demonstrates the sensitivity toa reasonably possible change in market interestrates, with all other variables held constant, of theconsumer financing income:
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Kenaikan suku bunga Increase in interest ratedalam 0,5 poin persentase 9.869 12.509 in 0.5 percentage point
Penurunan suku bunga Decrease in interest ratedalam 0,5 poin persentase (9.837) (12.473) in 0.5 percentage point
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
109
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Tabel berikut menunjukkan sensitivitas ataskemungkinan perubahan tingkat suku bunga pasar,dengan variabel lain dianggap tetap, terhadapbeban pendanaan:
The following table demonstrates the sensitivity to areasonably possible change in market interest rates,with all other variables held constant, of thefinancing costs:
Tahun yang berakhirpada tanggal 31 Desember/Years ended December 31,
2019 2018
Kenaikan suku bunga Increase in interest ratedalam 0,5 poin persentase 27.272 34.121 in 0.5 percentage point
Penurunan suku bunga Decrease in interest ratedalam 0,5 poin persentase (27.223) (34.100) in 0.5 percentage point
Risiko kredit Credit risk
Risiko kredit adalah risiko jika pihak debitur tidakmemenuhi kewajibannya dalam kontrak konsumen,yang menyebabkan kerugian keuangan.Perusahaan melakukan analisa dan persetujuankredit yang hati-hati, dan juga pengawasan terhadapsaldo piutang pembiayaan konsumen dilakukansecara berkesinambungan untuk meminimalisasipiutang yang tidak dapat ditagih.
Credit risk is the risk that a counterparty will notmeet its obligations under a customer contract,leading to a financial loss. The Company hasmaintained prudent analysis and credit approvaland also monitored receivable balancescontinuously in order to minimize the exposure tobad debts.
• Eksposur maksimum terhadap risiko kredit • Maximum exposure to credit risk
Eksposur Perusahaan terhadap risiko kredithampir seluruhnya berasal dari piutangpembiayaan konsumen, dimana eksposurmaksimum terhadap risiko kredit sama dengannilai tercatat.
Company’s exposure to credit risk mainlycomes from the consumer financingreceivables, of which the maximum exposure tocredit risk equals to the carrying amount.
• Jaminan dan perlindungan kredit lainnya • Collateral and other credit enhancements
Nilai dan jenis jaminan yang dibutuhkantergantung pada penilaian risiko kredit daricounterparty. Panduan tentang jenis jaminandan parameter penilaian yang bisa diterimatelah diimplementasikan.
The amount and type of collateral requireddepends on an assessment of the credit risk ofthe counterparty. Guidelines are implementedregarding the acceptability of types of collateraland valuation parameters.
Umumnya agunan diperlukan dalam setiappemberian kredit sebagai sumber terakhirpelunasan kredit (secondary source ofrepayment) dan sebagai salah satu bentukmitigasi risiko kredit. Sumber utama pelunasankredit adalah dari hasil usaha ataupunpendapatan debitur.
Generally, collateral is required for all creditsextended as a second source of creditrepayment and also as a form of credit riskmitigation. The primary source of creditrepayment is the funds generated frombusiness operations or income of theborrowers.
Agunan yang dapat diterima oleh Perusahaandari konsumen berupa Bukti PemilikanKendaraan Bermotor (“BPKB”) atas kendaraanyang dibiayai oleh Perusahaan. Perusahaanmelakukan penilaian internal terhadap unitagunan pada saat proses inisiasi kredit.
Collaterals acceptable by the Company fromdebtor is the Certificate of Ownership (“BPKB”)of the vehicles financed by the Company. TheCompany perform an internal assessement ofcollateral unit during the credit initiationprocess.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH480
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
110
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
• Analisis konsentrasi risiko kredit • Concentration of credit risk analysis
Konsentrasi risiko kredit timbul ketika sejumlahdebitur bergerak dari aktivitas usaha yang samaatau aktivitas dalam wilayah geografis yangsama, atau ketika mereka memiliki karakteristikyang sejenis yang akan menyebabkankemampuan untuk memenuhi kewajibankontraktualnya sama-sama dipengaruhi olehperubahan kondisi ekonomi atau yang lainnya.
Concentrations of credit risk arise when anumber of customers are engaged in similarbusiness activities or activities within the samegeographic region, or when they have similarcharacteristics that would cause their ability tomeet contractual obligations to be similarlyaffected by changes in economic or otherconditions.
• Analisis konsentrasi risiko kredit • Concentration of credit risk analysis
Perusahaan bergerak di bidang usahapembiayaan konsumen yang pelanggannyakebanyakan adalah individu dan tidakterkonsentrasi pada wilayah geografis tertentu.
The Company is currently engaged inconsumer financing business which thecustomers are mainly individuals and they arenot concentrated in the specific geographicregion.
Tabel berikut menggambarkan jumlah risiko kreditdan konsentrasi risiko atas kas dan setara kas,piutang pembiayaan konsumen, piutang sewapembiayaan, piutang lain-lain, dan uang mukadealer yang dimiliki Perusahaan:
The following table sets out the total credit risk andrisk concentration of cash and cash equivalents,consumer financing receivables, finance leasereceivables, other receivables, and dealeradvances of the Company:
31 Desember/December 31,
2019 2018
Kas dan setara kas Cash and cash equivalentsBank 741.576 1.219.853 Bank
Piutang pembiayaan konsumen - neto Consumer financing receivables - netKorporasi 3.424 4.609 CorporateIndividual 7.201.791 7.238.459 Individual
Subtotal 7.205.215 7.243.068 Subtotal
Piutang lain-lain Other receivablesKorporasi 32.329 62.426 CorporateIndividual 14.245 9.918 Individual
Subtotal 46.574 72.344 Subtotal
Uang muka dealer Dealer advancesKorporasi 10.147 17.634 Corporate
Total 8.003.512 8.552.899 Total
Dalam menentukan penurunan nilai aset keuangan,Perusahaan mempertimbangkan faktor haritunggakan, yaitu aset keuangan yang dikategorikankurang lancar (memiliki keterlambatan pembayaranpokok dan/atau bunga yang telah melampaui 90(sembilan puluh) hari kalender).
In determining the impairment of financial assets,the Company considers the factor of day past due,which is financial assets categorized assubstandard (having a late payment of principaland/or interest that has exceeded ninety (90)calendar days).
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
481
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
110
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
• Analisis konsentrasi risiko kredit • Concentration of credit risk analysis
Konsentrasi risiko kredit timbul ketika sejumlahdebitur bergerak dari aktivitas usaha yang samaatau aktivitas dalam wilayah geografis yangsama, atau ketika mereka memiliki karakteristikyang sejenis yang akan menyebabkankemampuan untuk memenuhi kewajibankontraktualnya sama-sama dipengaruhi olehperubahan kondisi ekonomi atau yang lainnya.
Concentrations of credit risk arise when anumber of customers are engaged in similarbusiness activities or activities within the samegeographic region, or when they have similarcharacteristics that would cause their ability tomeet contractual obligations to be similarlyaffected by changes in economic or otherconditions.
• Analisis konsentrasi risiko kredit • Concentration of credit risk analysis
Perusahaan bergerak di bidang usahapembiayaan konsumen yang pelanggannyakebanyakan adalah individu dan tidakterkonsentrasi pada wilayah geografis tertentu.
The Company is currently engaged inconsumer financing business which thecustomers are mainly individuals and they arenot concentrated in the specific geographicregion.
Tabel berikut menggambarkan jumlah risiko kreditdan konsentrasi risiko atas kas dan setara kas,piutang pembiayaan konsumen, piutang sewapembiayaan, piutang lain-lain, dan uang mukadealer yang dimiliki Perusahaan:
The following table sets out the total credit risk andrisk concentration of cash and cash equivalents,consumer financing receivables, finance leasereceivables, other receivables, and dealeradvances of the Company:
31 Desember/December 31,
2019 2018
Kas dan setara kas Cash and cash equivalentsBank 741.576 1.219.853 Bank
Piutang pembiayaan konsumen - neto Consumer financing receivables - netKorporasi 3.424 4.609 CorporateIndividual 7.201.791 7.238.459 Individual
Subtotal 7.205.215 7.243.068 Subtotal
Piutang lain-lain Other receivablesKorporasi 32.329 62.426 CorporateIndividual 14.245 9.918 Individual
Subtotal 46.574 72.344 Subtotal
Uang muka dealer Dealer advancesKorporasi 10.147 17.634 Corporate
Total 8.003.512 8.552.899 Total
Dalam menentukan penurunan nilai aset keuangan,Perusahaan mempertimbangkan faktor haritunggakan, yaitu aset keuangan yang dikategorikankurang lancar (memiliki keterlambatan pembayaranpokok dan/atau bunga yang telah melampaui 90(sembilan puluh) hari kalender).
In determining the impairment of financial assets,the Company considers the factor of day past due,which is financial assets categorized assubstandard (having a late payment of principaland/or interest that has exceeded ninety (90)calendar days).
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
111
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
Informasi kualitas kredit belum jatuh tempo dan tidakmengalami penurunan nilai per tanggal31 Desember 2019 dan 2018 adalah sebagaiberikut:
The information on the credit quality of neither pastdue nor impaired financial assets as ofDecember 31, 2019 and 2018 are as follows:
31 Desember/December 31, 2019
Belum jatuh Jatuh tempotempo dan dan tidak
tidak mengalami mengalamipenurunan nilai/ penurunan nilai/ Mengalami
Neither past Past due but penurunan nilai/due nor impaired not impaired Impaired Total/Total
Aset Keuangan Financial AssetsCash and cash
Kas dan setara kas - kas di bank 741.576 - - 741.576 equivalents - cash in banksPiutang pembiayaan Consumer financing
konsumen - neto 6,001.948 1.156.491 46.776 7.205.215 receivables - netPiutang lain-lain 46.574 - - 46.574 Other receivablesUang muka dealer 10.147 - - 10.147 Dealer advances
Total 6.800.245 1.156.491 46.776 8.003.512 Total
31 Desember/December 31, 2018
Belum jatuh Jatuh tempotempo dan dan tidak
tidak mengalami mengalamipenurunan nilai/ penurunan nilai/ Mengalami
Neither past Past due but penurunan nilai/due nor impaired not impaired Impaired Total/Total
Aset Keuangan Financial AssetsCash and cash
Kas dan setara kas- kas di bank 1.219.853 - - 1.219.853 equivalents - cash in banksPiutang pembiayaan Consumer financing
konsumen - neto 5.755.082 1.416.619 71.367 7.243.068 receivables - netPiutang lain-lain 72.344 - - 72.344 Other receivablesUang muka dealer 17.634 - - 17.634 Dealer advances
Total 7.064.913 1.416.619 71.367 8.552.899 Total
Tabel berikut menunjukkan aging analysis terhadappiutang pembiayaan konsumen yang telah jatuhtempo tetapi tidak mengalami penurunan nilai.
The following tables summarizes the aginganalysis of consumer financing receivables whichare past due but not impaired.
31 Desember/December 31, 2019
1-30 hari/days 31-60 hari/days 61-90 hari/days Total/Total
Piutang pembiayaan Consumer financingkonsumen - neto 985.942 129.757 40.852 1.156.551 receivables - net
31 Desember/December 31, 2018
1-30 hari/days 31-60 hari/days 61-90 hari/days Total/Total
Piutang pembiayaan Consumer financingkonsumen - neto 1.205.187 156.981 54.451 1.416.619 receivables - net
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH482
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
112
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Risiko likuiditas Liquidity risk
Risiko likuiditas adalah risiko atas kekurangan danadan untuk memitigasinya, Perusahaan telahmenggunakan perangkat rencana likuiditas.Perangkat ini mempertimbangkan jatuh tempo untukaset keuangan yaitu piutang pembiayaan konsumendan membuat rencana arus kas dari operasi.Perusahaan mempunyai jangka waktu pinjaman daribank yang disesuaikan dengan jangka waktu (tenor)pembiayaan yang diberikan kepada konsumen.
Liquidity risk is the risk to a shortage of funds andto mitigate the risk, the Company has appliedliquidity planning tool. This tool considers thematurity of both its financial assets, which isconsumer financing receivables and prepareprojected cash flows from operations. TheCompany has term bank loan facilities which areadjusted with the tenor of financing given toconsumers.
Tabel di bawah ini menggambarkan profil jatuhtempo atas aset dan liabilitas keuangan Perusahaanmasing-masing pada tanggal 31 Desember 2019dan 2018 berdasarkan sisa jatuh tempo kontraktual(tidak didiskontokan):
The tables below summarizes the maturity profileof the Company’s financial assets and liabilities asof December 31, 2019 and 2018, respectively,based on contractual remaining maturity(undiscounted):
31 Desember/December 31, 2019
Kurang dari Lebih dari Lebih dari3 bulan/ 1-5 tahun/ 5 tahun/
Less than 3-12 bulan/ More than More than Total/3 months 3-12 months 1-5 years 5 years Total
ASET ASSETSKas dan setara kas 751.561 - - - 751.561 Cash and cash equivalentsPiutang pembiayaan Consumer financing
konsumen 1.863.926 4.032.100 3.401.505 - 9.297.531 receivablesPiutang lain-lain 41.898 762 2.430 2.678 47.768 Other receivablesUang muka dealer 10.147 - - - 10.147 Dealer advances
Total aset keuangan 2.667.532 4.032.862 3.403.935 2.678 10.107.007 Total financial assets
LIABILITAS LIABILITIESUtang bank 1.217.404 1.310.706 1.403.020 - 3.931.130 Bank loansUtang lain-lain 144.895 4.747 13.509 1.696 164.847 Other payablesUtang obligasi 59.348 1.744.462 1.158.418 - 2.962.228 Bonds payableUtang subordinasi 6.133 18.267 297.400 - 321.800 Subordinated loan
Total liabilitas keuangan 1.427.780 3.078.182 2.872.347 1.696 7.380.005 Total financial liabilities
Perbedaan jatuh tempo 1.239.752 954.680 531.588 982 2.727.002 Maturity gap
31 Desember/December 31, 2018
Kurang dari Lebih dari Lebih dari3 bulan/ 1-5 tahun/ 5 tahun/
Less than 3-12 bulan/ More than More than Total/3 months 3-12 months 1-5 years 5 years Total
ASET ASSETSKas dan setara kas 1.243.576 - - - 1.243.576 Cash and cash equivalentsPiutang pembiayaan Consumer financing
konsumen 1.866.470 4.112.158 3.648.344 - 9.626.972 receivablesPiutang lain-lain 68.507 545 2.291 2.570 73.913 Other receivablesUang muka dealer 17.634 - - - 17.634 Dealer advances
Total aset keuangan 3.196.187 4.112.703 3.650.635 2.570 10.962.095 Total financial assets
LIABILITAS LIABILITIESUtang bank 1.245.080 2.005.541 1.714.180 - 4.964.801 Bank loansUtang lain-lain 225.439 4.514 13.498 803 244.254 Other payablesUtang obligasi 52.381 1.670.689 1.076.032 - 2.799.102 Bonds payableUtang subordinasi 3.578 110.617 - - 114.195 Subordinated loan
Total liabilitas keuangan 1.526.478 3.791.361 2.803.710 803 8.122.352 Total financial liabilities
Perbedaan jatuh tempo 1.669.709 321.342 846.925 1.767 2.839.743 Maturity gap
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
483
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
112
30. MANAJEMEN RISIKO KEUANGAN (lanjutan) 30. FINANCIAL RISK MANAGEMENT (continued)
Risiko likuiditas Liquidity risk
Risiko likuiditas adalah risiko atas kekurangan danadan untuk memitigasinya, Perusahaan telahmenggunakan perangkat rencana likuiditas.Perangkat ini mempertimbangkan jatuh tempo untukaset keuangan yaitu piutang pembiayaan konsumendan membuat rencana arus kas dari operasi.Perusahaan mempunyai jangka waktu pinjaman daribank yang disesuaikan dengan jangka waktu (tenor)pembiayaan yang diberikan kepada konsumen.
Liquidity risk is the risk to a shortage of funds andto mitigate the risk, the Company has appliedliquidity planning tool. This tool considers thematurity of both its financial assets, which isconsumer financing receivables and prepareprojected cash flows from operations. TheCompany has term bank loan facilities which areadjusted with the tenor of financing given toconsumers.
Tabel di bawah ini menggambarkan profil jatuhtempo atas aset dan liabilitas keuangan Perusahaanmasing-masing pada tanggal 31 Desember 2019dan 2018 berdasarkan sisa jatuh tempo kontraktual(tidak didiskontokan):
The tables below summarizes the maturity profileof the Company’s financial assets and liabilities asof December 31, 2019 and 2018, respectively,based on contractual remaining maturity(undiscounted):
31 Desember/December 31, 2019
Kurang dari Lebih dari Lebih dari3 bulan/ 1-5 tahun/ 5 tahun/
Less than 3-12 bulan/ More than More than Total/3 months 3-12 months 1-5 years 5 years Total
ASET ASSETSKas dan setara kas 751.561 - - - 751.561 Cash and cash equivalentsPiutang pembiayaan Consumer financing
konsumen 1.863.926 4.032.100 3.401.505 - 9.297.531 receivablesPiutang lain-lain 41.898 762 2.430 2.678 47.768 Other receivablesUang muka dealer 10.147 - - - 10.147 Dealer advances
Total aset keuangan 2.667.532 4.032.862 3.403.935 2.678 10.107.007 Total financial assets
LIABILITAS LIABILITIESUtang bank 1.217.404 1.310.706 1.403.020 - 3.931.130 Bank loansUtang lain-lain 144.895 4.747 13.509 1.696 164.847 Other payablesUtang obligasi 59.348 1.744.462 1.158.418 - 2.962.228 Bonds payableUtang subordinasi 6.133 18.267 297.400 - 321.800 Subordinated loan
Total liabilitas keuangan 1.427.780 3.078.182 2.872.347 1.696 7.380.005 Total financial liabilities
Perbedaan jatuh tempo 1.239.752 954.680 531.588 982 2.727.002 Maturity gap
31 Desember/December 31, 2018
Kurang dari Lebih dari Lebih dari3 bulan/ 1-5 tahun/ 5 tahun/
Less than 3-12 bulan/ More than More than Total/3 months 3-12 months 1-5 years 5 years Total
ASET ASSETSKas dan setara kas 1.243.576 - - - 1.243.576 Cash and cash equivalentsPiutang pembiayaan Consumer financing
konsumen 1.866.470 4.112.158 3.648.344 - 9.626.972 receivablesPiutang lain-lain 68.507 545 2.291 2.570 73.913 Other receivablesUang muka dealer 17.634 - - - 17.634 Dealer advances
Total aset keuangan 3.196.187 4.112.703 3.650.635 2.570 10.962.095 Total financial assets
LIABILITAS LIABILITIESUtang bank 1.245.080 2.005.541 1.714.180 - 4.964.801 Bank loansUtang lain-lain 225.439 4.514 13.498 803 244.254 Other payablesUtang obligasi 52.381 1.670.689 1.076.032 - 2.799.102 Bonds payableUtang subordinasi 3.578 110.617 - - 114.195 Subordinated loan
Total liabilitas keuangan 1.526.478 3.791.361 2.803.710 803 8.122.352 Total financial liabilities
Perbedaan jatuh tempo 1.669.709 321.342 846.925 1.767 2.839.743 Maturity gap
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
113
31. KELOMPOK INSTRUMEN KEUANGAN 31. FINANCIAL INSTRUMENTS BY CATEGORY
Tabel di bawah ini menyajikan perbandingan atasnilai tercatat dengan nilai wajar dari instrumenkeuangan Perusahaan yang tercatat dalam laporankeuangan.
The tables below present a comparison by class ofthe carrying amounts and fair value of theCompany’s financial instrument that are carried inthe financial statements.
31 Desember/December 31, 2019
Liabilitaskeuangan
diukur padaPinjaman biaya
yang perolehandiberikan diamortisasi/
dan Financialpiutang/ liabilitiesLoans measured at Nilai tercatat/
and amortized Carrying Nilai wajar/receivables cost value Fair value
ASET KEUANGAN FINANCIAL ASSETSKas dan setara kas - Cash and cash equivalents -
kas di bank 741.576 - 741.576 741.576 cash in banksPiutang pembiayaan Consumer financing
konsumen - neto 7.205.215 - 7.205.215 7.144.293 receivables - netPiutang lain-lain 46.574 - 46.574 46.574 Other receivablesUang muka dealer 10.147 - 10.147 10.147 Dealer advances
Total aset keuangan 8.003.512 - 8.003.512 7.942.590 Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIESUtang bank - 3.622.876 3.622.876 3.636.287 Bank loansBiaya masih harus dibayar -
bunga - 34.830 34.830 34.830 Accrued expenses - interestUtang lain-lain - 158.307 158.307 158.307 Other payablesUtang obligasi - neto - 2.651.540 2.651.540 2.675.210 Bonds payable - netUtang subordinasi - 200.000 200.000 201.078 Subordinated loan
Total liabilitas keuangan - 6.667.553 6.667.553 6.705.712 Total financial liabilities
31 Desember/ December 31, 2018
Liabilitaskeuangan
diukur padaPinjaman biaya
yang perolehandiberikan diamortisasi/
dan Financialpiutang/ liabilitiesLoans measured at Nilai tercatat/
and amortized Carrying Nilai wajar/receivables cost value Fair value
ASET KEUANGAN FINANCIAL ASSETSKas dan setara kas - Cash and cash equivalents -
kas di bank 1.219.853 - 1.219.853 1.219.853 cash in banksPiutang pembiayaan Consumer financing
konsumen - neto 7.243.068 - 7.243.068 7.167.671 receivables - netPiutang lain-lain 72.344 - 72.344 72.344 Other receivablesUang muka dealer 17.634 - 17.634 17.634 Dealer advances
Total aset keuangan 8.552.899 - 8.552.899 8.477.502 Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIESUtang bank - 4.559.701 4.559.701 4.583.229 Bank loansBiaya masih harus dibayar -
bunga - 38.535 38.535 38.535 Accrued expenses - interestUtang lain-lain - 234.884 234.884 234.884 Other payablesUtang obligasi - neto - 2.528.597 2.528.597 2.521.960 Bonds payable - netUtang subordinasi - 100.000 100.000 101.193 Subordinated loan
Total liabilitas keuangan - 7.461.717 7.461.717 7.479.801 Total financial liabilities
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH484
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
114
31. KELOMPOK INSTRUMEN KEUANGAN (lanjutan) 31. FINANCIAL INSTRUMENTS BY CATEGORY(continued)
Berikut metode dan asumsi yang digunakan untukestimasi nilai wajar:
The following methods and assumptions are usedto estimate the fair value:
Nilai wajar kas dan setara kas, uang muka dealer,dan biaya bunga masih harus dibayar mendekatinilai tercatat karena jangka waktu jatuh tempo yangsingkat atas instrumen keuangan tersebut.
Fair value of cash and cash equivalents, dealeradvances, and accrued interest expensesapproximate their carrying amounts largely due toshort-term maturities of these instruments.
Nilai wajar dari piutang pembiayaan konsumen,piutang lain-lain - pinjaman karyawan, utang bank,utang lain-lain, dan utang subordinasi ditentukanmenggunakan diskonto arus kas berdasarkantingkat suku bunga pasar pada 31 Desember 2019dan 2018.
The fair value of consumer financing receivables,other receivables - loan to employees, bank loans,other payables, and subordinated loan aredetermined by discounted cash flow using marketinterest rate as of December 31, 2019 and 2018.
Nilai wajar dari utang obligasi dinilai berdasarkanharga pasar.
The fair value of bonds payable are calculatedusing market price.
Hirarki nilai wajar instrumen keuangan Fair value hierarchy of financial instruments
Perusahaan menggunakan hirarki berikut untukmenentukan dan mengungkapkan nilai wajar dariinstrumen keuangan:
1. Tingkat 1: dikutip (tidak dapat disesuaikan) dariharga pasar aktif untuk aset dan liabilitaskeuangan yang identik;
2. Tingkat 2: teknik lain dimana semua input yangmemiliki efek signifikan dalam pencatatan nilaiwajar, dapat diobservasi baik secara langsungmaupun tidak langsung; dan
3. Tingkat 3: teknik lain dimana menggunakaninput yang memiliki efek signifikan dalampencatatan nilai wajar, tidak berdasarkan padadata yang diobservasi di pasar.
The Company adopts the following hierarchy fordetermining and disclosing the fair value offinancial instruments by valuation technique:
1. Level 1: quoted (unadjusted) prices in activemarkets for identical assets or liabilities;
2. Level 2: other techniques for which all inputswhich have a significant effect on the recordedfair value are observable, either directly orindirectly; and
3. Level 3: other techniques which use inputswhich have significant effect on the recordedfair value that are not based on observablemarket data.
Tabel di bawah ini menyajikan instrumen keuanganyang diakui pada nilai wajar berdasarkan hirarkiyang digunakan Perusahaan untuk menentukan danmengungkapkan nilai wajar dari instrumenkeuangan:
The table below shows the financial instrumentsrecognized at fair value based on the hierarchyused by the Company in determining anddisclosing the fair value of financial instruments:
31 Desember/December 31, 2019Total nilai Nilai wajar/Fair valuetercatat/
Total carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Total/amount Level 1 Level 2 Level 3 Total
Aset keuangan: Financial assets:Piutang pembiayaan Consumer financing
konsumen - neto 7.205.215 - 7.097.517 46.776 7.144.293 receivables - net
Total aset keuangan 7.205.215 - 7.097.517 46.776 7.144.293 Total financial assets
Liabilitas keuangan: Financial liabilities:Utang bank 3.622.876 - 3.636.287 - 3.636.287 Bank loansUtang obligasi - neto 2.651.540 - 2.675.210 - 2.675.210 Bonds payable - netUtang subordinasi 200.000 - 201.078 - 201.078 Subordinated loan
Total liabilitas keuangan 6.474.416 - 6.512.575 - 6.512.575 Total financial liabilities
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
485
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
114
31. KELOMPOK INSTRUMEN KEUANGAN (lanjutan) 31. FINANCIAL INSTRUMENTS BY CATEGORY(continued)
Berikut metode dan asumsi yang digunakan untukestimasi nilai wajar:
The following methods and assumptions are usedto estimate the fair value:
Nilai wajar kas dan setara kas, uang muka dealer,dan biaya bunga masih harus dibayar mendekatinilai tercatat karena jangka waktu jatuh tempo yangsingkat atas instrumen keuangan tersebut.
Fair value of cash and cash equivalents, dealeradvances, and accrued interest expensesapproximate their carrying amounts largely due toshort-term maturities of these instruments.
Nilai wajar dari piutang pembiayaan konsumen,piutang lain-lain - pinjaman karyawan, utang bank,utang lain-lain, dan utang subordinasi ditentukanmenggunakan diskonto arus kas berdasarkantingkat suku bunga pasar pada 31 Desember 2019dan 2018.
The fair value of consumer financing receivables,other receivables - loan to employees, bank loans,other payables, and subordinated loan aredetermined by discounted cash flow using marketinterest rate as of December 31, 2019 and 2018.
Nilai wajar dari utang obligasi dinilai berdasarkanharga pasar.
The fair value of bonds payable are calculatedusing market price.
Hirarki nilai wajar instrumen keuangan Fair value hierarchy of financial instruments
Perusahaan menggunakan hirarki berikut untukmenentukan dan mengungkapkan nilai wajar dariinstrumen keuangan:
1. Tingkat 1: dikutip (tidak dapat disesuaikan) dariharga pasar aktif untuk aset dan liabilitaskeuangan yang identik;
2. Tingkat 2: teknik lain dimana semua input yangmemiliki efek signifikan dalam pencatatan nilaiwajar, dapat diobservasi baik secara langsungmaupun tidak langsung; dan
3. Tingkat 3: teknik lain dimana menggunakaninput yang memiliki efek signifikan dalampencatatan nilai wajar, tidak berdasarkan padadata yang diobservasi di pasar.
The Company adopts the following hierarchy fordetermining and disclosing the fair value offinancial instruments by valuation technique:
1. Level 1: quoted (unadjusted) prices in activemarkets for identical assets or liabilities;
2. Level 2: other techniques for which all inputswhich have a significant effect on the recordedfair value are observable, either directly orindirectly; and
3. Level 3: other techniques which use inputswhich have significant effect on the recordedfair value that are not based on observablemarket data.
Tabel di bawah ini menyajikan instrumen keuanganyang diakui pada nilai wajar berdasarkan hirarkiyang digunakan Perusahaan untuk menentukan danmengungkapkan nilai wajar dari instrumenkeuangan:
The table below shows the financial instrumentsrecognized at fair value based on the hierarchyused by the Company in determining anddisclosing the fair value of financial instruments:
31 Desember/December 31, 2019Total nilai Nilai wajar/Fair valuetercatat/
Total carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Total/amount Level 1 Level 2 Level 3 Total
Aset keuangan: Financial assets:Piutang pembiayaan Consumer financing
konsumen - neto 7.205.215 - 7.097.517 46.776 7.144.293 receivables - net
Total aset keuangan 7.205.215 - 7.097.517 46.776 7.144.293 Total financial assets
Liabilitas keuangan: Financial liabilities:Utang bank 3.622.876 - 3.636.287 - 3.636.287 Bank loansUtang obligasi - neto 2.651.540 - 2.675.210 - 2.675.210 Bonds payable - netUtang subordinasi 200.000 - 201.078 - 201.078 Subordinated loan
Total liabilitas keuangan 6.474.416 - 6.512.575 - 6.512.575 Total financial liabilities
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
115
31. KELOMPOK INSTRUMEN KEUANGAN (lanjutan) 31. FINANCIAL INSTRUMENTS BY CATEGORY(continued)
Hirarki nilai wajar instrumen keuangan (lanjutan) Fair value hierarchy of financial instruments(continued)
31 Desember/December 31, 2018Total nilai Nilai wajar/Fair valuetercatat/
Total carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Total/amount Level 1 Level 2 Level 3 Total
Aset keuangan: Financial assets:Piutang pembiayaan Consumer financing
konsumen - neto 7.243.068 - 7.096.304 71.367 7.167.671 receivables - net
Total aset keuangan 7.243.068 - 7.096.304 71.367 7.167.671 Total financial assets
Liabilitas keuangan: Financial liabilities:Utang bank 4.559.701 - 4.583.229 - 4.583.229 Bank loansUtang obligasi - neto 2.528.597 - 2.521.960 - 2.521.960 Bonds payable - netUtang subordinasi 100.000 - 101.193 - 101.193 Subordinated loan
Total liabilitas keuangan 7.188.298 - 7.206.382 - 7.206.382 Total financial liabilities
32. ASET DALAM MATA UANG ASING 32. ASSET IN FOREIGN CURRENCY
Perusahaan memiliki aset dalam mata uang asingsebagai berikut:
The Company’s assets in foreign currency are asfollows:
31 Desember/ 31 Desember/December 31, 2019 December 31, 2018
Aset dalam mata uang asing Assets in foreign currencyBank Cash in banks(dalam nilai penuh) (Catatan 4) AS$/US$ 3.733 AS$/US$ 3.746 (in full amount) (Note 4)
Ekuivalen dalam Rupiah Rp52 Rp53 Equivalent in Rupiah
33. LIABILITAS KONTINJENSI 33. CONTINGENT LIABILITY
Perusahaan tidak memiliki liabilitas kontinjensiyang signifikan pada tanggal 31 Desember 2019dan 2018.
The Company did not have any significantcontingent liability as of December 31, 2019 and2018.
34. KOMITMEN 34. COMMITMENT
Perusahaan memiliki komitmen yang signifikanpada tanggal 31 December 2019 sebagai berikut:
The Company have significant commitment as ofDecember 31, 2019 as follow:
1. Pada tanggal 15 Maret 2018, Perusahaanmenandatangani perjanjian sewa ruanganperkantoran tidak dapat dibatalkan untukjangka waktu 10 tahun sampai dengan 31Maret 2028, yang mencakup ruang kantorseluas 4.636,90 meter persegi di Altira OfficeTower, Jakarta.
1. On March 15, 2018, the Company entered intoa non-cancellable office space leaseagreement for a period of 10 years up toMarch 31, 2028, covering office spaceapproximately 4,636.90 square meters in AltiraOffice Tower, Jakarta.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH486
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
116
34. KOMITMEN (lanjutan) 34. COMMITMENT (continued)
Perusahaan memiliki komitmen yang signifikanpada tanggal 31 Desember 2019 sebagai berikut:(lanjutan)
The Company have significant commitment as ofDecember 31, 2019 as follow: (continued)
Tarif sewa yang dibayarkan dalam 3 bulanan,tidak termasuk Pajak Pertambahan Nilai, untukperjanjian sewa adalah sebagai berikut (dalamnilai penuh):
The rent rates with quarterly payment term,excluding Value Added Tax, for the leaseagreements are as follows (in full amounts):
- Tahun 1-5: Rp150.000 per meter persegiper bulan.
- Year 1-5 : Rp150,000 per square meterper month.
- Tahun 6-10: Rp185.000 per meter persegiper bulan.
- Year 6-10 : Rp185,000 per square meterper month.
2. Pada tanggal 4 Mei 2017, Perusahaanmengadakan perjanjian kerjasama denganPT Adicipta Dinamika Inovasi untuk pembelianperangkat lunak dan lisensi dengan nilai sekitarRp38.929. Proyek ini sudah selesai pada bulanOktober 2019. Pada 31 Desember 2019 proyeklanjutan penyesuain perangkat lunak masihdalam proses.
2. On May 4, 2017, the Company entered intoagreement with PT Adicipta Dinamika Inovasirelated to software and licenses acqusitionapproximately amounted to Rp38,929. Theproject completed on October 2019. As ofDecember 31, 2019 advance project forsoftware customazation is on progress.
Pada tanggal 31 Desember 2019 dan 2018,Perusahaan telah melakukan pembayaranuang muka masing-masing sebesar Rp333 danRp30.844 untuk pengembangan sistemperusahaan dan disajikan di dalam akun “Biayadibayar dimuka dan uang muka” (Catatan 7).
As of December 31, 2019 and 2018, theCompany has paid advance amounted toRp333 and Rp30,844 respectively, for systemdevelopment which was presented as ’Prepaidexpenses and advances’ (Note 7).
35. INFORMASI KEUANGAN TAMBAHAN -UNIT SYARIAH
35. SUPPLEMENTARY FINANCIAL INFORMATION -SHARIA UNIT
31 Desember/December 31,
2019 2018
PIUTANG PEMBIAYAAN MURABAHAH FINANCINGMURABAHAH RECEIVABLES
Piutang pembiayaan murabahah - Murabahah financing receivables -bruto 873.749 2.036.925 gross
Pendapatan pembiayaan Unearned murabahah financingmurabahah yang belum diakui (127.641) (368.362) income
Cadangan kerugianpenurunan nilai (25.769) (59.836) Allowance for impairment losses
Piutang pembiayaan Murabahah financingmurabahah - neto 720.339 1.608.727 receivables - net
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
487
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
116
34. KOMITMEN (lanjutan) 34. COMMITMENT (continued)
Perusahaan memiliki komitmen yang signifikanpada tanggal 31 Desember 2019 sebagai berikut:(lanjutan)
The Company have significant commitment as ofDecember 31, 2019 as follow: (continued)
Tarif sewa yang dibayarkan dalam 3 bulanan,tidak termasuk Pajak Pertambahan Nilai, untukperjanjian sewa adalah sebagai berikut (dalamnilai penuh):
The rent rates with quarterly payment term,excluding Value Added Tax, for the leaseagreements are as follows (in full amounts):
- Tahun 1-5: Rp150.000 per meter persegiper bulan.
- Year 1-5 : Rp150,000 per square meterper month.
- Tahun 6-10: Rp185.000 per meter persegiper bulan.
- Year 6-10 : Rp185,000 per square meterper month.
2. Pada tanggal 4 Mei 2017, Perusahaanmengadakan perjanjian kerjasama denganPT Adicipta Dinamika Inovasi untuk pembelianperangkat lunak dan lisensi dengan nilai sekitarRp38.929. Proyek ini sudah selesai pada bulanOktober 2019. Pada 31 Desember 2019 proyeklanjutan penyesuain perangkat lunak masihdalam proses.
2. On May 4, 2017, the Company entered intoagreement with PT Adicipta Dinamika Inovasirelated to software and licenses acqusitionapproximately amounted to Rp38,929. Theproject completed on October 2019. As ofDecember 31, 2019 advance project forsoftware customazation is on progress.
Pada tanggal 31 Desember 2019 dan 2018,Perusahaan telah melakukan pembayaranuang muka masing-masing sebesar Rp333 danRp30.844 untuk pengembangan sistemperusahaan dan disajikan di dalam akun “Biayadibayar dimuka dan uang muka” (Catatan 7).
As of December 31, 2019 and 2018, theCompany has paid advance amounted toRp333 and Rp30,844 respectively, for systemdevelopment which was presented as ’Prepaidexpenses and advances’ (Note 7).
35. INFORMASI KEUANGAN TAMBAHAN -UNIT SYARIAH
35. SUPPLEMENTARY FINANCIAL INFORMATION -SHARIA UNIT
31 Desember/December 31,
2019 2018
PIUTANG PEMBIAYAAN MURABAHAH FINANCINGMURABAHAH RECEIVABLES
Piutang pembiayaan murabahah - Murabahah financing receivables -bruto 873.749 2.036.925 gross
Pendapatan pembiayaan Unearned murabahah financingmurabahah yang belum diakui (127.641) (368.362) income
Cadangan kerugianpenurunan nilai (25.769) (59.836) Allowance for impairment losses
Piutang pembiayaan Murabahah financingmurabahah - neto 720.339 1.608.727 receivables - net
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
117
36. TAMBAHAN INFORMASI ARUS KAS 36. SUPPLEMENTARY CASH FLOW INFORMATION
Perubahan pada liabilitas yang timbul dari aktivitaspendanaan pada laporan arus kas adalah sebagaiberikut:
Changes in liabilities arising from financing activitiesin the cash flow statement are as follows:
Perubahan1 Januari/ Arus kas/ Non-Kas/Non- 31 Desember/
January 1, 2019 Cash flow Cash Changes December 31, 2019
Utang bank 4.559.701 (939.804) 2.979 3.622.876 Bank loansUtang obligasi - neto 2.528.597 121.500 1.443 2.651.540 Bonds payable - netUtang Subordinasi 100.000 100.000 - 200.000 Subordinated loans
Total 7.188.298 (718.304) 4.422 6.474.416 Total
Perubahan1 Januari/ Arus kas/ Non-Kas/Non- 31 Desember/
January 1, 2018 Cash flow Cash Changes December 31, 2018
Utang bank 3.082.884 1.477.059 (242) 4.559.701 Bank loansUtang obligasi - neto 3.062.543 (540.210) 6.264 2.528.597 Bonds payable - net
Total 6.145.427 936.849 6.022 7.088.298 Total
Berikut adalah aktivitas investasi non-kas yangtimbul dari pembelian aset tetap yang telahdikapitalisasi:
The following are non-cash investment activitiesarising from the purchase of capitalized fixedassets:
31 Desember/December 31,
2019 2018
AKTIVITAS INVESTASI NON-KAS NON-CASH INVESTING ACTIVITYAktiva Tidak Berwujud Intangible Assets
Perangkat lunak 33.479 - SoftwareAktiva Tetap Fixed Assets
Perangkat Keras 9.166 - Hardware
Total 42.645 - Total
37. SEGMEN OPERASI 37. OPERATING SEGMENT
Segmen operasi dilaporkan sesuai dengan laporaninternal Perusahaan yang disiapkan untukmengambil keputusan operasional yangbertanggung jawab untuk mengalokasikan sumberdaya ke segmen tertentu dan penilaian atasperformanya.
Operating segments are reported in accordancewith the internal reporting provided to the chiefoperating decision maker which is responsible forallocating resources to certain segments andperformance assessments.
Perusahaan melakukan kegiatan pembiayaankonsumen di beberapa wilayah di Indonesia(Jakarta, Bogor, Tangerang, dan Bekasi - disingkatJabotabek, Jawa Timur, Bali, Kalimantan danSulawesi, Jawa Tengah, Jawa Barat, danSumatera), baik untuk kendaraan bermotor roda duabaru dan bekas. Untuk itu, informasi segmenoperasi disajikan sebagai bentuk primer pelaporansegmen.
The Company has consumer financing activities inseveral geographical areas in Indonesia (Jakarta,Bogor, Tangerang, and Bekasi - abbreviatedJabotabek, East Java, Bali, Kalimantan andSulawesi, Central Java, West Java, and Sumatera),for new and used two-wheeled motor vehicles.Therefore, geographical operating segment ispresented as the primary basis of segmentreporting.
Segmen operasi menurut daerah geografispemasaran adalah sebagai berikut:
The operating segment based on marketinggeographical are as are as follows:
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH488
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
anla
ngua
ge.
PTW
AHAN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kC
ATAT
ANAT
AS
LAPO
RA
NK
EUAN
GA
NTa
ngga
l31
Des
embe
r201
9da
nun
tuk
tahu
nya
ngbe
rakh
irpa
da ta
ngga
lter
sebu
t(D
isaj
ikan
dala
mju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kN
OTE
STO
THE
FIN
AN
CIA
LST
ATE
MEN
TSA
sof
Dec
embe
r31,
2019
and
fort
heye
arth
enen
ded
(Exp
ress
edin
mill
ions
ofR
upia
h,un
less
othe
rwis
est
ated
)
118
37.S
EGM
ENO
PER
ASI
(lan
juta
n)37
.O
PER
ATI
NG
SEG
MEN
T(c
ontin
ued)
Tahu
n ya
ngbe
rakh
irpa
data
ngga
l31
Des
embe
r/Ye
ar e
nded
Dec
embe
r31,
2019
Jaw
aTi
mur
,Bal
i,K
alim
anta
n,da
nD
ikur
angi
Hak
Sula
wes
i/Eas
tJav
a,B
ank-
bank
/Ju
mla
h-
Jabo
tabe
k/B
ali,
Kal
iman
tan,
Jaw
aTe
ngah
/Ja
wa
Bar
at/
Sum
ater
a/Le
ssN
eto/
Jabo
tabe
kan
dSu
law
esi
Cen
tral
Jav
aW
estJ
ava
Sum
ater
aTo
tal/T
otal
Ban
ks’ R
ight
sA
mou
nt-N
et
Pend
apat
anse
gmen
703.
094
537.
381
555.
585
323.
453
512.
922
2.63
2.43
5(9
0.06
6) 2
.542
.369
Segm
entr
even
ues
Pend
apat
an ti
dak
dapa
t dia
loka
si-
--
--
--
101.
318
Una
lloca
ted
reve
nues
Tota
lpen
dapa
tan
703.
094
537.
381
555.
585
323.
453
512.
922
2.63
2.43
5(9
0.06
6)2.
643.
687
Tota
lrev
enue
s
Beba
nse
gmen
:S
egm
ent e
xpen
ses:
Beba
n us
aha
218.
802
220.
890
167.
570
125.
795
187.
699
920.
756
-92
0.75
6O
pera
ting
expe
nses
Beba
n pe
ndan
aan
185.
668
150.
526
163.
648
87.0
3914
1.73
572
8.61
6(9
0.06
6)63
8.55
0Fi
nanc
ing
cost
sPe
mbe
ntuk
anca
dang
anke
rugi
an p
enur
unan
Prov
isio
nfo
rni
lai
90.1
9576
.190
84.6
7059
.079
94.7
9540
4.92
9-
404.
929
impa
irmen
tlos
ses
Beba
n pe
nyus
utan
2.70
04.
483
2.51
01.
941
3.56
515
.199
-15
.199
Dep
reci
atio
nex
pens
es
Tota
lbeb
an49
7.36
545
2.08
941
8.39
827
3.85
442
7.79
42.
069.
500
(90.
066)
1.97
9.43
4To
tal e
xpen
ses
Hasi
l seg
men
205.
729
85.2
9213
7.18
749
.599
85.1
2856
2.93
5-
664.
253
Segm
entr
esul
ts
Beba
n tid
akda
patd
ialo
kasi
263.
199
Una
lloca
ted
expe
nses
Beba
npe
ndan
aan
tidak
dapa
t dia
loka
si25
8U
nallo
cate
d fin
anci
ngco
sts
Beba
npe
nyus
utan
tidak
dapa
t dia
loka
si29
.730
Una
lloca
ted
depr
ecia
tion
expe
nses
Laba
sebe
lum
beba
npa
jak
final
Inco
me
befo
refin
al ta
xex
pens
eda
nbe
ban
paja
k pe
ngha
sila
n37
1.06
6an
din
com
e ta
xex
pens
eBe
ban
paja
kfin
al7.
125
Fina
ltax
expe
nse
Laba
sebe
lum
Inco
me
befo
rebe
ban
paja
kpe
ngha
sila
n36
3.94
1in
com
e ta
x ex
pens
eBe
ban
paja
k10
4.27
0Ta
x ex
pens
e
Laba
tahu
nbe
rjala
n25
9.67
1In
com
efo
rthe
year
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
an la
ngua
ge.
PTW
AHAN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kC
ATAT
ANAT
AS
LAPO
RA
NK
EUAN
GA
NTa
ngga
l31
Des
embe
r201
9da
nun
tuk
tahu
nya
ngbe
rakh
irpa
da ta
ngga
lter
sebu
t(D
isaj
ikan
dala
mju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kN
OTE
STO
THE
FIN
AN
CIA
LST
ATE
MEN
TSA
sof
Dec
embe
r31,
2019
and
fort
heye
arth
enen
ded
(Exp
ress
edin
mill
ions
ofR
upia
h,un
less
othe
rwis
est
ated
)
119
37.S
EGM
ENO
PER
ASI
(lanj
utan
)37
.O
PER
ATI
NG
SEG
MEN
T(c
ontin
ued)
31 D
esem
ber/D
ecem
ber3
1,20
19
Kal
iman
tan,
dan
Dik
uran
giH
akSu
law
esi/E
astJ
ava,
Ban
k-ba
nk/
Jum
lah
-Ja
bota
bek/
Bal
i, K
alim
anta
n,Ja
wa
Teng
ah/
Jaw
a B
arat
/Su
mat
era/
Tota
l/Le
ssN
eto/
Jabo
tabe
kan
dSu
law
esi
Cen
tral
Jav
aW
estJ
ava
Sum
ater
aTo
tal
Ban
ks’ R
ight
sA
mou
nt-N
et
Aset
segm
en1.
604.
703
1.64
2.16
81.
596.
471
860.
602
1.56
3.82
67.
267.
770
(406
.986
)6.
860.
784
Segm
ent a
sset
s
Aset
tida
k da
pat d
ialo
kasi
1.41
0.38
6U
nallo
cate
d as
sets
Tota
l ase
t8.
271.
170
Tota
l ass
ets
Liab
ilitas
segm
en45
.198
38.1
3929
.998
21.6
7833
.538
168.
551
-16
8.55
1Se
gmen
tlia
bilit
ies
Liab
ilitas
6.73
2.04
2tid
akda
pat d
ialo
kasi
Una
lloca
ted
liabi
litie
sL S To
tal l
iabi
litie
s6.
900.
593
Tota
l lia
bilit
ies
Pero
leha
nas
et te
tap
segm
en2.
825
4.61
92.
658
974
6.29
117
.367
-17
.367
Segm
enta
cqui
sitio
nsof
pro
perty
and
equi
pmen
t
Pero
leha
nas
et te
tap
Acqu
isiti
ons
of p
rope
rtyan
deq
uipm
ent
kant
orpu
sat
29.7
85in
head
offi
ce
Tota
lper
oleh
anTo
tal a
cqui
sitio
nsof
prop
erty
aset
teta
p47
.152
and
equi
pmen
t
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
489
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
anla
ngua
ge.
PTW
AHAN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kC
ATAT
ANAT
AS
LAPO
RA
NK
EUAN
GA
NTa
ngga
l31
Des
embe
r201
9da
nun
tuk
tahu
nya
ngbe
rakh
irpa
da ta
ngga
lter
sebu
t(D
isaj
ikan
dala
mju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kN
OTE
STO
THE
FIN
AN
CIA
LST
ATE
MEN
TSA
sof
Dec
embe
r31,
2019
and
fort
heye
arth
enen
ded
(Exp
ress
edin
mill
ions
ofR
upia
h,un
less
othe
rwis
est
ated
)
118
37.S
EGM
ENO
PER
ASI
(lan
juta
n)37
.O
PER
ATI
NG
SEG
MEN
T(c
ontin
ued)
Tahu
n ya
ngbe
rakh
irpa
data
ngga
l31
Des
embe
r/Ye
ar e
nded
Dec
embe
r31,
2019
Jaw
aTi
mur
,Bal
i,K
alim
anta
n,da
nD
ikur
angi
Hak
Sula
wes
i/Eas
tJav
a,B
ank-
bank
/Ju
mla
h-
Jabo
tabe
k/B
ali,
Kal
iman
tan,
Jaw
aTe
ngah
/Ja
wa
Bar
at/
Sum
ater
a/Le
ssN
eto/
Jabo
tabe
kan
dSu
law
esi
Cen
tral
Jav
aW
estJ
ava
Sum
ater
aTo
tal/T
otal
Ban
ks’ R
ight
sA
mou
nt-N
et
Pend
apat
anse
gmen
703.
094
537.
381
555.
585
323.
453
512.
922
2.63
2.43
5(9
0.06
6) 2
.542
.369
Segm
entr
even
ues
Pend
apat
an ti
dak
dapa
t dia
loka
si-
--
--
--
101.
318
Una
lloca
ted
reve
nues
Tota
lpen
dapa
tan
703.
094
537.
381
555.
585
323.
453
512.
922
2.63
2.43
5(9
0.06
6)2.
643.
687
Tota
lrev
enue
s
Beba
nse
gmen
:S
egm
ent e
xpen
ses:
Beba
n us
aha
218.
802
220.
890
167.
570
125.
795
187.
699
920.
756
-92
0.75
6O
pera
ting
expe
nses
Beba
n pe
ndan
aan
185.
668
150.
526
163.
648
87.0
3914
1.73
572
8.61
6(9
0.06
6)63
8.55
0Fi
nanc
ing
cost
sPe
mbe
ntuk
anca
dang
anke
rugi
an p
enur
unan
Prov
isio
nfo
rni
lai
90.1
9576
.190
84.6
7059
.079
94.7
9540
4.92
9-
404.
929
impa
irmen
tlos
ses
Beba
n pe
nyus
utan
2.70
04.
483
2.51
01.
941
3.56
515
.199
-15
.199
Dep
reci
atio
nex
pens
es
Tota
lbeb
an49
7.36
545
2.08
941
8.39
827
3.85
442
7.79
42.
069.
500
(90.
066)
1.97
9.43
4To
tal e
xpen
ses
Hasi
l seg
men
205.
729
85.2
9213
7.18
749
.599
85.1
2856
2.93
5-
664.
253
Segm
entr
esul
ts
Beba
n tid
akda
patd
ialo
kasi
263.
199
Una
lloca
ted
expe
nses
Beba
npe
ndan
aan
tidak
dapa
t dia
loka
si25
8U
nallo
cate
d fin
anci
ngco
sts
Beba
npe
nyus
utan
tidak
dapa
t dia
loka
si29
.730
Una
lloca
ted
depr
ecia
tion
expe
nses
Laba
sebe
lum
beba
npa
jak
final
Inco
me
befo
refin
al ta
xex
pens
eda
nbe
ban
paja
k pe
ngha
sila
n37
1.06
6an
din
com
e ta
xex
pens
eBe
ban
paja
kfin
al7.
125
Fina
ltax
expe
nse
Laba
sebe
lum
Inco
me
befo
rebe
ban
paja
kpe
ngha
sila
n36
3.94
1in
com
e ta
x ex
pens
eBe
ban
paja
k10
4.27
0Ta
x ex
pens
e
Laba
tahu
nbe
rjala
n25
9.67
1In
com
efo
rthe
year
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
an la
ngua
ge.
PTW
AHAN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kC
ATAT
ANAT
AS
LAPO
RA
NK
EUAN
GA
NTa
ngga
l31
Des
embe
r201
9da
nun
tuk
tahu
nya
ngbe
rakh
irpa
da ta
ngga
lter
sebu
t(D
isaj
ikan
dala
mju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kN
OTE
STO
THE
FIN
AN
CIA
LST
ATE
MEN
TSA
sof
Dec
embe
r31,
2019
and
fort
heye
arth
enen
ded
(Exp
ress
edin
mill
ions
ofR
upia
h,un
less
othe
rwis
est
ated
)
119
37.S
EGM
ENO
PER
ASI
(lanj
utan
)37
.O
PER
ATI
NG
SEG
MEN
T(c
ontin
ued)
31 D
esem
ber/D
ecem
ber3
1,20
19
Kal
iman
tan,
dan
Dik
uran
giH
akSu
law
esi/E
astJ
ava,
Ban
k-ba
nk/
Jum
lah
-Ja
bota
bek/
Bal
i, K
alim
anta
n,Ja
wa
Teng
ah/
Jaw
a B
arat
/Su
mat
era/
Tota
l/Le
ssN
eto/
Jabo
tabe
kan
dSu
law
esi
Cen
tral
Jav
aW
estJ
ava
Sum
ater
aTo
tal
Ban
ks’ R
ight
sA
mou
nt-N
et
Aset
segm
en1.
604.
703
1.64
2.16
81.
596.
471
860.
602
1.56
3.82
67.
267.
770
(406
.986
)6.
860.
784
Segm
ent a
sset
s
Aset
tida
k da
pat d
ialo
kasi
1.41
0.38
6U
nallo
cate
d as
sets
Tota
l ase
t8.
271.
170
Tota
l ass
ets
Liab
ilitas
segm
en45
.198
38.1
3929
.998
21.6
7833
.538
168.
551
-16
8.55
1Se
gmen
tlia
bilit
ies
Liab
ilitas
6.73
2.04
2tid
akda
pat d
ialo
kasi
Una
lloca
ted
liabi
litie
sL S To
tal l
iabi
litie
s6.
900.
593
Tota
l lia
bilit
ies
Pero
leha
nas
et te
tap
segm
en2.
825
4.61
92.
658
974
6.29
117
.367
-17
.367
Segm
enta
cqui
sitio
nsof
pro
perty
and
equi
pmen
t
Pero
leha
nas
et te
tap
Acqu
isiti
ons
of p
rope
rtyan
deq
uipm
ent
kant
orpu
sat
29.7
85in
head
offi
ce
Tota
lper
oleh
anTo
tal a
cqui
sitio
nsof
prop
erty
aset
teta
p47
.152
and
equi
pmen
t
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH490
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
an la
ngua
ge.
PTW
AHAN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kC
ATAT
ANAT
AS
LAPO
RA
NK
EUAN
GA
NTa
ngga
l31
Des
embe
r201
9da
nun
tuk
tahu
nya
ngbe
rakh
irpa
da ta
ngga
lter
sebu
t(D
isaj
ikan
dala
mju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kN
OTE
STO
THE
FIN
AN
CIA
LST
ATE
MEN
TSA
sof
Dec
embe
r31,
2019
and
fort
heye
arth
enen
ded
(Exp
ress
edin
mill
ions
ofR
upia
h,un
less
othe
rwis
est
ated
)
120
37.S
EGM
ENO
PER
ASI
(lanj
utan
)37
.O
PER
ATI
NG
SEG
MEN
T(c
ontin
ued)
Tahu
nya
ngbe
rakh
irpa
data
ngga
l31
Des
embe
r/Ye
ar e
nded
Dec
embe
r31,
2018
Jaw
aTi
mur
,Bal
i,K
alim
anta
n,da
nD
ikur
angi
Hak
Sula
wes
i/Eas
tJav
a,B
ank-
bank
/Ju
mla
h-
Jabo
tabe
k/B
ali,
Kal
iman
tan
Jaw
aTe
ngah
/Ja
wa
Bar
at/
Sum
ater
a/To
tal/
Less
Net
o/Ja
bota
bek
and
Sula
wes
iC
entr
al J
ava
Wes
tJav
aSu
mat
era
Tota
lB
anks
’ Rig
hts
Am
ount
-Net
Pend
apat
anse
gmen
1.07
6.20
351
0.76
161
1.12
828
6.65
719
8.93
92.
683.
688
(110
.851
)2.
572.
837
Segm
entr
even
ues
Pend
apat
antid
akda
pat
dial
okas
i-
--
--
--
43.2
77U
nallo
cate
dre
venu
es
Tota
lpen
dapa
tan
1.07
6.20
351
0.76
161
1.12
828
6.65
719
8.93
92.
683.
688
(110
.851
)2.
616.
114
Tota
lrev
enue
sBe
ban
segm
en:
Seg
men
t exp
ense
s:Be
ban
usah
a36
9.45
415
7.80
721
9.28
693
.570
78.7
5991
8.87
6-
918.
876
Ope
ratin
gex
pens
esBe
ban
pend
anaa
n30
0.61
115
5.52
417
9.19
686
.292
58.5
8578
0.20
8(1
10.8
51)
669.
357
Fina
ncin
gco
sts
Pem
bent
ukan
cada
ngan
keru
gian
penu
runa
nPr
ovis
ion
for
nila
i17
4.07
611
6.85
395
.771
40.9
7946
.605
474.
284
-47
4.28
4im
pairm
entl
osse
sBe
ban
peny
usut
an5.
555
1.76
62.
072
1.26
51.
339
11.9
97-
11.9
97D
epre
ciat
ion
expe
nses
Tota
lbeb
an84
9.69
643
1.95
049
6.32
522
2.10
618
5.28
82.
185.
365
(110
.851
)2.
074.
514
Tota
l exp
ense
sH
asil
segm
en22
6.50
778
.811
114.
803
64.5
5113
.651
498.
323
-54
1.60
0Se
gmen
tres
ults
Beba
ntid
akda
patd
ialo
kasi
226.
822
Una
lloca
ted
expe
nses
Beba
npe
ndan
aan
tid
akda
pat d
ialo
kasi
2.50
8U
nallo
cate
d fin
anci
ngco
sts
Beba
npe
nyus
utan
tidak
dapa
tdia
loka
si25
.107
Una
lloca
ted
depr
ecia
tion
expe
nses
Lab
ase
belu
m b
eban
paj
ak fi
nal
Inco
me
befo
refin
al ta
xex
pens
eda
n be
ban
and
inco
me
tax
paja
k pe
ngha
sila
n28
7.16
3ex
pens
eBe
ban
paja
k fin
al3.
743
Fina
ltax
expe
nse
Lab
ase
belu
mIn
com
e be
fore
beba
npa
jak
peng
hasi
lan
283.
420
inco
me
tax
expe
nse
Beba
npa
jak
6
8.23
7Ta
x ex
pens
e
Laba
tahu
nbe
rjala
n21
5.18
3In
com
efo
rthe
year
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
an la
ngua
ge.
PTW
AHAN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kC
ATAT
ANAT
AS
LAPO
RA
NK
EUAN
GA
NTa
ngga
l31
Des
embe
r201
9da
nun
tuk
tahu
nya
ngbe
rakh
irpa
da ta
ngga
lter
sebu
t(D
isaj
ikan
dala
mju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kN
OTE
STO
THE
FIN
AN
CIA
LST
ATE
MEN
TSA
sof
Dec
embe
r31,
2019
and
fort
heye
arth
enen
ded
(Exp
ress
edin
mill
ions
ofR
upia
h,un
less
othe
rwis
est
ated
)
121
37.S
EGM
ENO
PER
ASI
(lan
juta
n)37
.O
PER
ATI
NG
SEG
MEN
T(c
ontin
ued)
31 D
esem
ber/D
ecem
ber3
1,20
18
Kal
iman
tan,
dan
Dik
uran
giH
akSu
law
esi/E
astJ
ava,
Ban
k-ba
nk/
Jum
lah
-Ja
bota
bek/
Bal
i, K
alim
anta
n,Ja
wa
T eng
ah/
Jaw
a B
arat
/Su
mat
era/
Tota
l/Le
ssN
eto/
Jabo
tabe
kan
dSu
law
esi
Cen
tral
Jav
aW
estJ
ava
Sum
ater
aTo
tal
Ban
ks’ R
ight
sA
mou
nt-N
et
Aset
segm
en2.
182.
031
1.76
6.80
01.
985.
364
1.11
7.13
11.
572.
353
8.62
3.67
9(1
.249
.762
)7.
373.
917
Segm
ent a
sset
s
Aset
tida
k da
pat d
ialo
kasi
1.45
3.39
0U
nallo
cate
d as
sets
Tota
l ase
t8.
827.
307
Tota
l ass
ets
Liab
ilitas
segm
en46
7.22
428
1.55
522
6.42
325
0.41
425
6.89
61.
482.
512
-1.
482.
512
Segm
entl
iabi
litie
s
Liab
ilitas
6.17
3.13
4tid
akda
pat d
ialo
kasi
Una
lloca
ted
liabi
litie
sL S To
tal l
iabi
litie
s7.
655.
646
Tota
l lia
bilit
ies
Pero
leha
nas
et te
tap
segm
en3.
892
8.18
74.
226
4.61
56.
601
27.5
21-
27.5
21Se
gmen
tacq
uisi
tions
of p
rope
rtyan
deq
uipm
ent
Pero
leha
nas
et te
tap
Acqu
isiti
ons
of p
rope
rtyan
deq
uipm
ent
kant
orpu
sat
54.4
74in
head
offi
ce
Tota
lper
oleh
anTo
tal a
cqui
sitio
nsof
prop
erty
aset
teta
p81
.995
and
equi
pmen
t
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
491
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The
orig
inal
fina
ncia
lsta
tem
ents
incl
uded
here
inar
ein
the
Indo
nesi
an la
ngua
ge.
PTW
AHAN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kC
ATAT
ANAT
AS
LAPO
RA
NK
EUAN
GA
NTa
ngga
l31
Des
embe
r201
9da
nun
tuk
tahu
nya
ngbe
rakh
irpa
da ta
ngga
lter
sebu
t(D
isaj
ikan
dala
mju
taan
Rup
iah,
kecu
alid
inya
taka
n la
in)
PTW
AH
AN
AO
TTO
MIT
RA
MU
LTIA
RTH
ATb
kN
OTE
STO
THE
FIN
AN
CIA
LST
ATE
MEN
TSA
sof
Dec
embe
r31,
2019
and
fort
heye
arth
enen
ded
(Exp
ress
edin
mill
ions
ofR
upia
h,un
less
othe
rwis
est
ated
)
121
37.S
EGM
ENO
PER
ASI
(lan
juta
n)37
.O
PER
ATI
NG
SEG
MEN
T(c
ontin
ued)
31 D
esem
ber/D
ecem
ber3
1,20
18
Kal
iman
tan,
dan
Dik
uran
giH
akSu
law
esi/E
astJ
ava,
Ban
k-ba
nk/
Jum
lah
-Ja
bota
bek/
Bal
i, K
alim
anta
n,Ja
wa
Teng
ah/
Jaw
a B
arat
/Su
mat
era/
Tota
l/Le
ssN
eto/
Jabo
tabe
kan
dSu
law
esi
Cen
tral
Jav
aW
estJ
ava
Sum
ater
aTo
tal
Ban
ks’ R
ight
sA
mou
nt-N
et
Aset
segm
en2.
182.
031
1.76
6.80
01.
985.
364
1.11
7.13
11.
572.
353
8.62
3.67
9(1
.249
.762
)7.
373.
917
Segm
ent a
sset
s
Aset
tida
k da
pat d
ialo
kasi
1.45
3.39
0U
nallo
cate
d as
sets
Tota
l ase
t8.
827.
307
Tota
l ass
ets
Liab
ilitas
segm
en46
7.22
428
1.55
522
6.42
325
0.41
425
6.89
61.
482.
512
-1.
482.
512
Segm
entl
iabi
litie
s
Liab
ilitas
6.17
3.13
4tid
akda
pat d
ialo
kasi
Una
lloca
ted
liabi
litie
sL S To
tal l
iabi
litie
s7.
655.
646
Tota
l lia
bilit
ies
Pero
leha
nas
et te
tap
segm
en3.
892
8.18
74.
226
4.61
56.
601
27.5
21-
27.5
21Se
gmen
tacq
uisi
tions
of p
rope
rtyan
deq
uipm
ent
Pero
leha
nas
et te
tap
Acqu
isiti
ons
of p
rope
rtyan
deq
uipm
ent
kant
orpu
sat
54.4
74in
head
offi
ce
Tota
lper
oleh
anTo
tal a
cqui
sitio
nsof
prop
erty
aset
teta
p81
.995
and
equi
pmen
t
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH492
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
122
38. REKLASIFIKASI AKUN 38. RECLASSIFICATION OF ACCOUNT
31 Desember/December 31, 2018
Dilaporkan DilaporkanSebelumnya/ Saat Ini/As Previously Reklasifikasi/ As Currently
Reported Reclassifications Reported
BEBAN EXPENSESUmum dan administrasi 699.054 (8.937) 690.117 General and administrativeGaji dan tunjangan 430.598 8.937 439.535 Salaries and benefits
39. PERNYATAAN STANDAR AKUNTANSIKEUANGAN BARU DAN YANG DISESUAIKAN
39. NEW AND REVISED STATEMENTS OFFINANCIAL ACCOUNTING STANDARDS
Dewan Standar Akuntansi Keuangan Ikatan AkuntanIndonesia (“DSAK-IAI”) dan Dewan StandarAkuntansi Syariah Ikatan Akuntan Indonesia(“DSAS-IAI”) telah menerbitkan standar baru danrevisi atas standar akuntansi. Standar ini belumberlaku efektif untuk tahun 2019. Perubahantersebut antara lain:
Financial Accounting Standard Board(“DSAK-IAI”) and Sharia Financial AccountingStandard Board (“DSAS-IAI”) issued newstandards and revision of current accountingstandard. The standards are not effective in 2019.Following are the new and revised standard:
Mulai efektif pada atau setelah 1 Januari 2020 Effective beginning on or after January 1, 2020
• PSAK 71 - Instrumen Keuangan, yang diadopsidari IFRS 9, berlaku efektif 1 Januari 2020dengan penerapan dini diperkenankan.
• SFAS 71: Financial Instruments, adopted fromIFRS 9, effective January 1, 2020 with earlierapplication is permitted.
PSAK ini mengatur klasifikasi dan pengukuraninstrumen keuangan berdasarkan karakteristikdari arus kas kontraktual dan model bisnisentitas; metode kerugian kredit ekspektasianuntuk penurunan nilai yang menghasilkaninformasi yang lebih tepat waktu, relevan dandimengerti oleh pemakai laporan keuangan;akuntansi untuk lindung nilai yangmerefleksikan manajemen risiko entitas lebihbaik dengan memperkenalkan persyaratanyang lebih umum berdasarkan pertimbanganmanajemen.
This SFAS provides for classification andmeasurement of financial instruments basedon the characteristics of contractual cashflows and business model of the entity;expected credit loss impairment modelallowing more timely, relevant andunderstandable information to users offinancial statements; accounting for hedgingthat reflect the entity's risk managementbetter by introducing a more generalrequirements based on management'sjudgment.
• PSAK 72: Pendapatan dari Kontrak denganPelanggan yang diadopsi dari IFRS 15, berlakuefektif 1 Januari 2020 dan penerapan dinidiperkenankan.
• SFAS 72 - Revenue from Contracts withCustomers, adopted from IFRS 15, effectiveJanuary 1, 2020, and earlier application ispermitted.
PSAK ini adalah standar tunggal untukpengakuan pendapatan yang merupakan hasildari joint project yang sukses antaraInternational Accounting Standards Board(IASB) dan Financial Accounting StandardsBoard (FASB), yang mengatur modelpengakuan pendapatan dari kontrak denganpelanggan, sehingga entitas diharapkan dapatmelakukan analisis sebelum mengakuipendapatan.
This SFAS is a single standard that is a jointproject between the International AccountingStandards Board (IASB) and the FinancialAccounting Standards Board (FASB), whichprovides revenue recognition from contractswith customers, and the entity is expected tohave analysis before recognizing therevenue.
Horizon of GrowtH Pt waHana ottoMitra MultiartHa tbk
IKHTISA
R UTA
MA
Performance H
ighlightsLA
PoRA
n M
An
AjeM
enM
anagement Reports
PRofIL PeRU
SAH
AA
nC
ompany Profile
An
ALISIS &
PeMb
AH
ASA
n M
An
AjeM
enM
anagement’s D
iscussion & A
nalysisTATA
KeLoLA
PeRUSA
HA
An
Corporate G
overnanceTA
nG
GU
nG
jAw
Ab
SoSIA
L PeRUSA
HA
An
Corporate Social Responsibility
LAPo
RAn
KeUA
nG
An
2019 financial Statem
ents 2019
493
Lapo
ran
Keua
ng
an
2019 Financial Statem
ents 2019
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
122
38. REKLASIFIKASI AKUN 38. RECLASSIFICATION OF ACCOUNT
31 Desember/December 31, 2018
Dilaporkan DilaporkanSebelumnya/ Saat Ini/As Previously Reklasifikasi/ As Currently
Reported Reclassifications Reported
BEBAN EXPENSESUmum dan administrasi 699.054 (8.937) 690.117 General and administrativeGaji dan tunjangan 430.598 8.937 439.535 Salaries and benefits
39. PERNYATAAN STANDAR AKUNTANSIKEUANGAN BARU DAN YANG DISESUAIKAN
39. NEW AND REVISED STATEMENTS OFFINANCIAL ACCOUNTING STANDARDS
Dewan Standar Akuntansi Keuangan Ikatan AkuntanIndonesia (“DSAK-IAI”) dan Dewan StandarAkuntansi Syariah Ikatan Akuntan Indonesia(“DSAS-IAI”) telah menerbitkan standar baru danrevisi atas standar akuntansi. Standar ini belumberlaku efektif untuk tahun 2019. Perubahantersebut antara lain:
Financial Accounting Standard Board(“DSAK-IAI”) and Sharia Financial AccountingStandard Board (“DSAS-IAI”) issued newstandards and revision of current accountingstandard. The standards are not effective in 2019.Following are the new and revised standard:
Mulai efektif pada atau setelah 1 Januari 2020 Effective beginning on or after January 1, 2020
• PSAK 71 - Instrumen Keuangan, yang diadopsidari IFRS 9, berlaku efektif 1 Januari 2020dengan penerapan dini diperkenankan.
• SFAS 71: Financial Instruments, adopted fromIFRS 9, effective January 1, 2020 with earlierapplication is permitted.
PSAK ini mengatur klasifikasi dan pengukuraninstrumen keuangan berdasarkan karakteristikdari arus kas kontraktual dan model bisnisentitas; metode kerugian kredit ekspektasianuntuk penurunan nilai yang menghasilkaninformasi yang lebih tepat waktu, relevan dandimengerti oleh pemakai laporan keuangan;akuntansi untuk lindung nilai yangmerefleksikan manajemen risiko entitas lebihbaik dengan memperkenalkan persyaratanyang lebih umum berdasarkan pertimbanganmanajemen.
This SFAS provides for classification andmeasurement of financial instruments basedon the characteristics of contractual cashflows and business model of the entity;expected credit loss impairment modelallowing more timely, relevant andunderstandable information to users offinancial statements; accounting for hedgingthat reflect the entity's risk managementbetter by introducing a more generalrequirements based on management'sjudgment.
• PSAK 72: Pendapatan dari Kontrak denganPelanggan yang diadopsi dari IFRS 15, berlakuefektif 1 Januari 2020 dan penerapan dinidiperkenankan.
• SFAS 72 - Revenue from Contracts withCustomers, adopted from IFRS 15, effectiveJanuary 1, 2020, and earlier application ispermitted.
PSAK ini adalah standar tunggal untukpengakuan pendapatan yang merupakan hasildari joint project yang sukses antaraInternational Accounting Standards Board(IASB) dan Financial Accounting StandardsBoard (FASB), yang mengatur modelpengakuan pendapatan dari kontrak denganpelanggan, sehingga entitas diharapkan dapatmelakukan analisis sebelum mengakuipendapatan.
This SFAS is a single standard that is a jointproject between the International AccountingStandards Board (IASB) and the FinancialAccounting Standards Board (FASB), whichprovides revenue recognition from contractswith customers, and the entity is expected tohave analysis before recognizing therevenue.
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
123
39. PERNYATAAN STANDAR AKUNTANSIKEUANGAN BARU DAN YANG DISESUAIKAN(lanjutan)
39. NEW AND REVISED STATEMENTS OFFINANCIAL ACCOUNTING STANDARDS(continued)
Dewan Standar Akuntansi Keuangan Ikatan AkuntanIndonesia (“DSAK-IAI”) dan Dewan StandarAkuntansi Syariah Ikatan Akuntan Indonesia(“DSAS-IAI”) telah menerbitkan standar baru danrevisi atas standar akuntansi. Standar ini belumberlaku efektif untuk tahun 2019. Perubahantersebut antara lain (lanjutan):
Financial Accounting Standard Board(“DSAK-IAI”) and Sharia Financial AccountingStandard Board (“DSAS-IAI”) issued newstandards and revision of current accountingstandard. The standards are not effective in 2019.Following are the new and revised standard(continued):
Mulai efektif pada atau setelah 1 Januari 2020(lanjutan)
Effective beginning on or after January 1, 2020(continued)
• PSAK 73 - Sewa, yang diadopsi dari IFRS 16,berlaku efektif 1 Januari 2020 denganpenerapan dini diperkenankan untuk entitasyang juga telah menerapkan PSAK 72:Pendapatan dari Kontrak dengan Pelanggan.
• SFAS 73: Leases, adopted from IFRS 16,effective January 1, 2020, and earlierapplication permitted, but not before an entityapplies SFAS 72: Revenue from Contractswith Customers.
PSAK ini menetapkan prinsip pengakuan,pengukuran, penyajian, dan pengungkapanatas sewa dengan memperkenalkan modelakuntansi tunggal, untuk mengakui aset hak-guna (right-of-use assets) dan liabilitas sewa.Terdapat 2 pengecualian opsional dalampengakuan aset dan liabilitas sewa, yakniuntuk: (i) sewa jangka-pendek dan (ii) sewayang aset terkait (underlying assets) bernilai-rendah.
This SFAS establishes the principles ofrecognition, measurement, presentation, anddisclosure of the lease by introducing asingle accounting model, to recognize theasset’s right-of-use and lease liability; thereare 2 optional exclusions in the recognition ofthe lease assets and liabilities: (i) short-termlease and (ii) lease with low-value underlyingassets.
• Amandemen PSAK 1 dan PSAK 25: Definisimaterial berlaku efektif 1 Januari 2020.
• Amendment to SFAS 1 and SFAS 25:Definition of Material, effective January 1,2020.
Amandemen ini mengklarifikasi definisi materialdengan tujuan menyelaraskan definisi yangdigunakan dalam kerangka kerja konseptualdan beberapa PSAK terkait. Selain itu, jugamemberikan panduan yang jelas mengenaidefinisi material dalam konteks penguranganpengungkapan yang berlebihan karenaperubahan ambang batas definisi material.
This amendment clarifies the definition ofmaterial with the aim of harmonizing thedefinitions used in the conceptual frameworkand some relevant SFAS. In addition, it alsoprovides clearer guidance regarding thedefinition of material in the context reducingover disclosure due to changes in thethreshold of the material definition
• Amandemen PSAK 71: Instrumen Keuangan:Fitur Pembayaran di Muka dengan KompensasiNegatif.
• Amendments to SFAS 71: FinancialInstruments: Prepayment Features withNegative Compensation.
Amandemen ini mengklarifikasi bahwa asetkeuangan melewati kriteria ‘semata-matapembayaran pokok dan bunga atas jumlahpokok terutang’ terlepas dari peristiwa ataukeadaan yang menyebabkan pemutusan awalkontrak dan terlepas dari pihak manamembayar atau menerima kompensasi yangwajar untuk awal pemutusan kontrak.
These amendments clarify that a financialasset passes the ‘solely payments of principaland interest on the principal amountoutstanding’ criterion regardless of an eventor circumstance that causes the earlytermination of the contract and irrespective ofwhich party pays or receives reasonablecompensation for the early termination of thecontract.
LAPORAN TAHUNAN 2019 ANNUAL RePORT Horizon of GrowtH494
The original financial statements included here in are in theIndonesian language.
PT WAHANA OTTOMITRA MULTIARTHA TbkCATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2019 danuntuk tahun yang berakhir pada tanggal tersebut
(Disajikan dalam jutaan Rupiah,kecuali dinyatakan lain)
PT WAHANA OTTOMITRA MULTIARTHA TbkNOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2019 andfor the year then ended
(Expressed in millions of Rupiah,unless otherwise stated)
124
39. PERNYATAAN STANDAR AKUNTANSIKEUANGAN BARU DAN YANG DISESUAIKAN(lanjutan)
39. NEW AND REVISED STATEMENTS OFFINANCIAL ACCOUNTING STANDARDS(continued)
Dewan Standar Akuntansi Keuangan Ikatan AkuntanIndonesia (“DSAK-IAI”) dan Dewan StandarAkuntansi Syariah Ikatan Akuntan Indonesia(“DSAS-IAI”) telah menerbitkan standar baru danrevisi atas standar akuntansi. Standar ini belumberlaku efektif untuk tahun 2019. Perubahantersebut antara lain (lanjutan):
Financial Accounting Standard Board(“DSAK-IAI”) and Sharia Financial AccountingStandard Board (“DSAS-IAI”) issued newstandards and revision of current accountingstandard. The standards are not effective in 2019.Following are the new and revised standard(continued):
Mulai efektif pada atau setelah 1 Januari 2020(lanjutan)
Effective beginning on or after January 1, 2020(continued)
Pada saat penerbitan laporan keuangankonsolidasian, Perusahaan masih mempelajaridampak yang mungkin timbul dari penerapanstandar baru dan revisi tersebut serta pengaruhnyapada laporan keuangan konsolidasian Grup.
As at the authorisation date of this consolidatedfinancial statements, the Company is still evaluatingthe potential impact of these new and revisedstandards to the Group’s consolidated financialstatements.
PT Wahana Ottomitra Multiartha TbkAltira Office Tower floor 32, 33, 35
Jl. Yos Sudarso Kav.85
Kelurahan Sunter Jaya, Kecamatan Tanjung Priok
Jakarta Utara 14350
| +62 21 2188 2400
| +62 21 2188 2420
| 0804-1123888
| www.wom.co.id
Laporan Tahunan 2019 Annual Report