Dewan Komisaris merupakan bagian dari struktur Perusahaan yang bertugas dan bertanggung jawab secara kolektif untuk melakukan pengawasan dan memberikan nasihat dan panduan kepada Direksi. Dewan Komisaris juga memastikan bahwa Perusahaan melaksanakan praktik GCG dengan baik. Namun demikian, Dewan Komisaris tidak boleh turut serta dalam mengambil keputusan operasional. Komisaris utama bertugas mengkoordinasikan kegiatan Dewan Komisaris. Kedudukan masing-masing anggota Dewan Komisaris termasuk Presiden Komisaris adalah setara.
PEdoMAn KErJA dAn TATA TErTIB
Dalam melaksanakan tugas dan tanggung jawabnya, Dewan Komisaris memiliki pedoman kerja. Pedoman kerja tersebut antara lain berisi tentang petunjuk tata laksana kerja Dewan Komisaris serta penjelasan tahapan kegiatan secara terstruktur, sistematis, mudah dipahami, dapat dijalankan
g. Approved giving the authority to the Board of Directors to appoint a public accountant to audit the Company’s books for the fiscal year ended December 31, 2015.
Extraordinary general Meeting of Shareholders on June 26, 2015
gMS Agenda
Approval of the Amendments to the Company’s Articles of Association to comply with the Regulation of the Financial Services Authority.
results of gMS decisions
Approved the Company to implement changes to the Articles of Association in accordance with the Regulation of the Financial Services Authority No. 29/POJK.05/2014 on the Financing Company Business Operation, No. 32/ POJK.04/2014 on the Planning and Organizing the General Meeting of Shareholders of a Public Company; as well as FSA Regulation No. 33 /POJK.04/2014 on the Board of Directors and Board of Commissioners of a Public Company, which its complete editorial stated in the adjustment concept of a Company’s Article of Association as it has been distributed to the Company’s shareholders.
BoArd oF coMMISSIonErS
The Board of Commissioners is a part of the Company’s structure that has duties and is collectively responsible for supervising and advising the Board of Directors, as well as ensuring that the Company implements GCG appropriately. However, the Board of Commissioners is prohibited from participating in making operational decisions. The duty of the President Commissioner is to coordinate the activities of the Board of Commissioners. The position of each member of the Board of Commissioners including the President Commissioner is equal.
worK gUIdELInES And codE oF condUcT
In carrying out its duties and responsibilities, the Board of Commissioners has a working guideline. This work guidelines, among other things, contains work instructions for the Board of Commissioners and the explanation of each activity stages in a structured, systematic, easy to understand, can be
Secara umum, tugas dan tanggung jawab, serta wewenang Dewan Komisaris sesuai dengan Anggaran Dasar Perusahaan sebagai berikut:
a. Melakukan pengawasan atas pengurusan Perusahaan oleh Direksi dalam menjalankan aktivitas operasional Perusahaan, melakukan pekerjaan sesuai yang ditetapkan oleh RUPS, memberikan nasihat kepada Direksi, serta melakukan hal-hal lain yang ditentukan oleh Anggaran Dasar Perusahaan.
b. Berhak memeriksa semua pembukuan, surat, alat bukti lainnya, memeriksa dan mencocokkan posisi keuangan, keadaan uang kas dan lain-lain, serta berhak untuk mengetahui segala tindakan yang telah dijalankan oleh Direksi.
c. Meminta keterangan atau informasi dari Direksi mengenai hal-hal yang berkaitan dengan kepengurusan Perusahaan. Direksi dan setiap anggota Direksi wajib untuk memberikan penjelasan tentang segala hal mengenai Perusahaan yang diminta oleh anggota Dewan Komisaris sebagaimana diperlukan oleh Dewan Komisaris.
d. Mengadakan rapat Dewan Komisaris.
SUSUnAn dEwAn KoMISArIS
Perusahaan menetapkan susunan Dewan Komisaris sesuai dengan kompleksitas dan keahlian profesi usaha dengan tetap memperhatikan efektifitas dalam pengambilan keputusan. Sedangkan, penetapan anggota Dewan Komisaris dilakukan berdasarkan kemampuan dan kepatutan masing-masing anggota Dewan Komisaris.
Persyaratan kemampuan yang harus dipenuhi oleh seorang anggota Dewan Komisaris adalah:
a. Memiliki pengetahuan yang memadai dan relevan dengan jabatannya;
b. Memiliki pemahaman tentang peraturan perundang- undangan di bidang usaha pembiayaan dan peraturan perundang-undangan lain yang berhubungan dengan perusahaan pembiayaan;
c. Memiliki pengalaman di bidang perusahaan pembiayaan dan/atau bidang lainnya yang relevan dengan jabatannya; d. Memiliki kemampuan untuk melakukan pengelolaan
strategis dalam rangka pengembangan perusahaan pembiayaan yang sehat.
In general, the duties and responsibilities, as well as the authority of the Board of Commissioners is in line with the Company’s Article of Association as follows:
a. Conduct supervision on Company management by the Board of Directors in running the Company, carries out their job according to that set out by the GMS, provides advices to the Board of Directors and also performs other things determined by the Articles of Association.
b. Has the right to check all bookkeeping, letters, other evidences, to check and verify financial positions, cash conditions and others, and also has the right to know all actions conducted by the Board of Directors.
c. Requests for explanation/information from the Board of Directors concerning matters related to the management of Company. The Board of Directors and each member of the Board of Directors is obliged to provide explanations regarding all matters pertaining to the Company requested by the members of the Board ofCommissioners as required by the Board of Commissioners.
d. Holds the Board of Commissioners’ meetings.
BoArd oF coMMISSIonErS coMPoSITIon
The Company establishes the composition of the Board of Commissioners in accordance with the business complexity while maintaining effectiveness in decision making. Meanwhile, the determination of the Board of Commissioners’ member is done based on the ability and appropriateness of each member of the Board of Commissioners.
The capability requirements that must be met by a member of the Board of Commissioners are:
a. Has adequate and relevant knowledge with his/her position.
b. Has understanding on the laws and regulations in the sector of financing companies and other legislation related to financing companies.
c. Has experience in financing companies sector and/or other sectors relevant with his/her position.
d. Has ability to conduct strategic management in the context of a healthy financing company development.
Sedangkan, persyaratan kepatutan yang harus dipenuhi Dewan Komisaris Clipan Finance adalah:
a. Memiliki akhlak dan moral yang baik;
b. Tidak pernah melakukan praktik-praktik tercela di bidang usaha pembiayaan dan/atau jasa keuangan lainnya;
c. Tidak pernah melakukan pelanggaran peraturan perundang-undangan di bidang usaha pembiayaan dan/ atau jasa keuangan lainnya;
d. Tidak pernah dihukum karena tindak pidana kejahatan; e. Tidak pernah dinyatakan pailit atau dinyatakan bersalah
yang mengakibatkan suatu Perusahaan atau perusahaan dinyatakan pailit berdasarkan putusan pengadilan yang mempunyai kekuatan hukum tetap;
f. Tidak pernah melanggar komitmen yang telah disepakati dengan instansi pembina dan pengawas perusahaan pembiayaan;
g. Tidak pernah memberikan keuntungan dan/ atau manfaat lain secara tidak wajar kepada Pemegang Saham, Direksi, Dewan Komisaris, pegawai dan/atau pihak lainnya yang dapat merugikan atau mengurangi keuntungan konsumen dan/atau perusahaan pembiayaan;
h. Lulus uji kemampuan dan kepatutan sesuai dengan peraturan perundang-undangan yang berlaku.
Berdasarkan kemampuan dan kepatuhan yang harus dipenuhi, diputuskan susunan Keanggotan Dewan Komisaris PT Clipan Finance Indonesia Tbk pada tahun 2016 adalah sebagai berikut: no nama Name Mulai Menjabat Serving from Jabatan Position dasar Pengangkatan
Legal Grounds for Appointment 1 Mu’min Ali Gunawan 1991 Komisaris Utama /
President Commissioner
The Deed of GMS Decision no. 73 dated June 28, 2012;
The Deed of GMS Decision no. 115 dated June 26, 2015
2 Roosniati Salihin 2007 Komisaris / Commissioner The Deed of GMS Decision no. 73 dated June 28, 2012;
The Deed of GMS Decision no. 115 dated June 26, 2015
3 Veronika Lindawati 2007 Komisaris Independen / Independent Commissioner
The Deed of GMS Decision no. 73 dated June 28, 2012;
The Deed of GMS Decision no. 115 dated June 26, 2015
4 Lukman Abdullah 2009 Komisaris Independen / Independent Commissioner
The Deed of GMS Decision no. 73 dated June 28, 2012;
The Deed of GMS Decision no. 115 dated June 26, 2015
Seluruh anggota Dewan Komisaris telah memenuhi persyaratan kemampuan dan kepatutan sesuai peraturan
The decency requirements that need to be fulfilled by the Board of Commissioners are:
a. Has good ethics and moral standing;
b. Has never conducted improper practices in the sector of financing business and/or other financial services;
c. Has never violated laws and regulations in the sector financing business and/or other financialservices;
d. Has never been convicted for criminal offenses;
e. Has never been declared bankrupt or guilty resulting from a company or a corporate that has declared bankrupt based on court ruling that has permanent legal force;
f. Has never violated commitments already agreed with the operative and supervisory agencies of financing companies;
g. Has never given unreasonable advantages and/or other benefits to shareholders, directors, commissioners, employees and/or other parties that might harm or lessen advantages of consumers and/or financing companies;
h. Has passed a fit and proper test according to the applicable laws and regulations.
Based on the required capabilities and compliance, Membership composition of the Board of Commissioners determined by PT Clipan Finance Indonesia Tbk in 2016 is as follows:
All members of the Board of Commissioners have met the requirements for skills and appropriateness in accordance
Dewan Komisaris Perusahaan menjalankan peran secara independen dan tidak menerima atau melakukan intervensi dari atau kepada pihak lain. Selain Komisaris Independen, anggota Dewan Komisaris dan Komisaris Utama juga tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga sampai dengan tingkat kedua dengan anggota Dewan Komisaris, anggota Direksi dan/atau Pemegang Saham yang dapat mempengaruhi atau mendominasi pemikiran dan kemampuannya untuk bertindak independen.
Independensi anggota-anggota Dewan Komisaris dapat dilihat melalui tabel berikut:
nama
Name
Jabatan
Position
hubungan Keluarga dengan
Family Relationship With
Keterangan Remarks direksi Board of Directors dewan Komisaris Board of Commissioners Pemegang Saham Shareholders ya Yes Tidak No ya Yes Tidak No ya Yes Tidak No Mu’min Ali Gunawan Komisaris Utama President
Commissioner - V - V V -
Tidak Independen Not Independent Roosniati Salihin Komisaris
Commissioner - V - V - V
Independen Independent Veronika Lindawati Komisaris/Komisaris
Independen Commissioner/ Independent Commissioner - V - V - V Independen Independent
Lukman Abdullah Komisaris/ Komisaris Independen Commissioner/ Independent Commissioner - V - V - V Independen Independent nama Name Jabatan Position
hubungan Keuangan dengan
Financial Relationship With
Keterangan Remarks direksi Board of Directors dewan Komisaris Board of Commissioners Pemegang Saham Shareholders ya Yes Tidak No ya Yes Tidak No ya Yes Tidak No Mu’min Ali Gunawan Komisaris Utama President
Commissioner - V - V V -
Tidak Independen Not Independent Roosniati Salihin Komisaris
Commissioner - V - V - V
Independen Independent Veronika Lindawati Komisaris/Komisaris
Independen Commissioner/ Independent Commissioner - V - V - V Independen Independent
Lukman Abdullah Komisaris/ Komisaris Independen Commissioner/ Independent Commissioner - V - V - V Independen Independent
The Company’s Board of Commissioners executes its role independently and does not receive or make intervention from or to the other parties. In addition to Independent Commissioner, members of Board of Commissioners and the President Commissioner also have no financial, management, share ownership and/or family relationship up to the second level with members of the Board of Commissioners, members of Board of Directors and/or Shareholders that may affect or dominate their reasoning and ability to act independently.
Independency of members of Board of Commissioners is detailed in the following table.
KoMISArIS IndEPEndEn
Saat ini Perusahaan memiliki dua orang anggota Komisaris Independen. Hal ini telah sesuai dengan peraturan yang ditetapkan oleh Otoritas Jasa Keungan bahwa paling sedikit 30% dari anggota Dewan Komisaris adalah Komisaris Independen. Komisaris Independen Perusahaan telah memenuhi kriteria yang ditetapkan, yaitu tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, anggota Direksi dan/ atau Pemegang Saham yang dapat mempengaruhi kemampuannya untuk bertindak independen. Selain itu, Komisaris Independen juga tidak menjabat sebagai Direksi di perusahaan yang terafiliasi dengan Perusahaan, serta bebas dari kepentingan dan aktivitas bisnis atau hubungan lain yang dapat menghalangi atau mengganggu kemampuan Dewan Komisaris untuk bertindak atau berpikir secara bebas di lingkup Perusahaan.
InFoMASI rAngKAP JABATAn
Anggota Dewan Komisaris Perusahaan dapat melakukan rangkap jabatan sesuai dengan POJK Nomor 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik. Berdasarkan peraturan tersebut, anggota Dewan Komisaris dapat merangkap jabatan sebagai:
a. Anggota Direksi paling banyak pada 2 emiten atau perusahaan publik lain;
b. Anggota Dewan Komisaris paling banyak pada 2 emiten atau perusahaan publik lain;
c. Dalam hal anggota Dewan Komisaris tidak merangkap jabatan sebagai anggota Direksi, anggota Dewan Komisaris yang bersangkutan dapat merangkap jabatan sebagai anggota Dewan Komisaris paling banyak pada 4 emiten atau perusahaan publik lain;
d. Anggota Dewan Komisaris dapat merangkap sebagai anggota komite paling banyak pada 5 komite di emiten atau perusahaan publik lain di tempat yang bersangkutan juga menjabat sebagai anggota Direksi atau anggota Dewan Komisaris.
Berdasarkan ketentuan yang telah disebutkan, maka anggota Dewan Komisaris melakukan rangkap jabatan di beberapa perusahaan dengan tidak melanggar ketentuan yang telah ditetapkan. Rangkap jabatan anggota Dewan Komisaris
IndEPEndEnT coMMISSIonEr
Currently, the Company has two Independent Commissioners. This is in accordance with the rule that at least 30% of members of the Board of Commissioners are Independent Commissioners. Independent Commissioner has met the required criteria, which has no financial, management, share ownership and/or family relationship with members of the Board of Commissioners, Board of Directors and/or Shareholders that may affect their ability to act independently. In addition, the Independent Commissioner also not serve on the Board of Directors in any companies affiliated with the Company, as well as free of interest and business activity or other relationship that could hinder or interfere with the ability of the Board of Commissioners to act or think independently.
concUrrEnT PoSITIon
The Board of Commissioners’ Members may hold concurrent positions in accordance with POJK No. 33/POJK.04/2014 of the Board of Directors and Board of Commissioners of an Issuer or Public Company. Based on the regulation, the Board of Commissioners may have concurrent positions as:
a. Member of the Board of Directors at no more than 2 other issuers or public listed companies;
b. Members of the Board of Commissioners at no more than 2 other issuers or public listed companies;
c. In the case of members of the Board of Commissioners does not hold concurrent position as a member of the Board of Directors, related members of the Board of Commissioners may hold concurrent positions as members of the Board of Commissioners at no more than four issuers or other publicly listed companies;
d. Members of the Board of Commissioners may serve as a committee member at no more than 5 committees in an issuer or other public listed companies where they also served as a member of the Board of Directors or the Board of Commissioners.
Based on the mentioned provisions, the members of the Board of Commissioners hold concurrent positions at several companies without violate of the provisions. Concurrent positions of the Board of Commissioners were as follows:
Name Position in the Company Position in Other Company Name of Corporates Mu’min Ali Gunawan Komisaris Utama
President Commissioner
Advisor
Vice President Commissioner
President Commissioner
PT Panin Bank Tbk PT Asuransi Multi Artha
Guna Tbk (d/h PT Panin Insurance Tbk)
PT Paninvest Tbk PT Panin Financial Tbk PT Panin Sekuritas Tbk PT Panin Dai-ichi Life Tbk
Roosniati Salihin Komisaris Commissioner
Wakil Ketua Komite Nominasi dan Remunerasi
Vice Chairman of the Nomination and Remuneration Committee
Wakil Presiden Direktur / Vice President Director Anggota Board of Supervisors untuk Pasific Rim Banker Program / Board of Supervisors Member for Pasific Rim Banker Program Anggota Board of Supervisors / Board of Supervisors Member Anggota Pengurus / Management Member Ketua / Chairman PT Panin Bank Tbk University of Washington Universitas Petra
Perbanas & IBI’s
Titian Foundation Veronika Lindawati Komisaris/Komisaris
Independen
Commissioner/ Independent Commissioner
Ketua Komite Nominasi dan Remunerasi
Chairman of the Nomination and Remuneration Committee Anggota Komite Pemantau Risiko Member of the Risk Monitoring Committee
Financial Controller PT Wisma Jaya Artek PT Famlee Invesco
Lukman Abdullah Komisaris/ Komisaris Independen
Commissioner/ Independent Commissioner
Ketua Komite Audit
Chairman of the Audit Committee Ketua Komite Pemantau Risiko Chairman of the Risk Monitoring Committee
Komisaris Independen / Independent Commissioner
Anggota Komite Audit / Audit Committee Member Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
PT Asuransi Multi Artha Guna Tbk (d/h PT Panin Insurance Tbk)
PT Panin Bank Tbk
PT Panin Bank Tbk
PErnyATAAn BAhwA dEwAn KoMISArIS MEMILIKI PEdoMAn ATAU PIAgAM
Dalam menjalankan tugas dan tanggung jawabnya sebagai organ pengawas, Dewan Komisaris senantiasa mengacu pada pedoman kerja Dewan Komisaris (Board Manual). Pedoman kerja tersebut berisi petunjuk serta tata laksana kerja Dewan Komisaris beserta penjelasan tahapan aktivitas yang diuraikan secara terstruktur, sistematis, mudah dipahami, dapat dijalankan secara konsisten, sehingga dapat menjadi acuan yang komprehensif bagi Dewan Komisaris dalam melaksanakan tugas masing-masing sesuai visi dan misi Perseroan.
STATEMEnT ThAT BoArd oF coMMISSIonEr hAS gUIdELInE or chArTEr
In carrying out its duties and responsibilities as the supervisor organ, the Board of Commissioners continuously refers on the Board of Manual of the Board of Commissioners. The Board Manual contains instructions and procedures of the Board of Commissioners duties along with an explanation of the activity elaborated structurally, systematically, easily to understood, consistently, so it can be a comprehensive reference for the Board of Commissioners In performing their respective duties according to the vision and Missions of the Company.
PELATIhAn yAng SUdAh dIIKUTI dEwAn KoMISArIS SELAMA TAhUn 2016:
Sepanjang 2016, anggota Dewan Komisaris Perseroan telah mengikuti berbagai pelatihan dengan perincian sebagai berikut:
1. Tanggal: 10 Agustus 2016 Nama Kegiatan: Tax Amnesty Penyelenggara: APPI
Tempat: di luar kantor
2. Tanggal: 6 Desember 2016
Nama Kegiatan: Peluang dan Tantangan tahun 2017 Penyelenggara: APPI
Tempat: di luar kantor
3. Tanggal: 27 Juli 2016
Nama Kegiatan: Sertifikasi Dasar Komisaris Penyelenggara: SPPI
Tempat: di luar kantor
KEPEMILIKAn SAhAM
Perusahaan mewajibkan anggota Dewan Komisaris untuk mengungkapkan kepemilikan sahamnya, baik pada Perusahaan maupun perusahaan lain yang berkedudukan di dalam maupun di luar negeri, dalam laporan khusus yang diperbaharui secara berkala. Adapun perincian kepemilikan saham Dewan Komisaris adalah sebagai berikut:
nama
Name
hubungan Keluarga dengan
Family Relationship With
Perseroan Company Persentase Kepemilikan Percentage Ownership Perusahaan Lain Other Companies Persentase Kepemilikan Percentage Ownership
Mu’min Ali Gunawan Nihil/Nil Nihil/Nil Nihil/Nil Nihil/Nil
Roosniati Salihin Nihil/Nil Nihil/Nil Nihil/Nil Nihil/Nil
Veronika Lindawati Nihil/Nil Nihil/Nil Nihil/Nil Nihil/Nil
Lukman Abdullah Nihil/Nil Nihil/Nil Nihil/Nil Nihil/Nil
rAPAT dEwAn KoMISArIS
Dewan Komisaris melaksanakan rapat guna mengontrol jalannya Perusahaan yang dikelola oleh Direksi. Dewan Komisaris mengadakan rapat sesuai ketentuan yang berlaku, yaitu:
TrAInIng ATTEndEd By BoArd oF coMMISSIonErS dUrIng 2016:
Throughout 2016, the Company’s members of the Board of Commissioners has attended various trainings with the following details:
1. Date: August 10, 2016 Activity Name: Tax Amnesty Organizer: APPI
Place: outside of the office
2. Date: December 6, 2016
Activity Name: Opportunities and Challenges in 2017 Organizer: APPI
Place: outside of the office
3. Date: July 27, 2016
Activity Name: Basic Certification for Commissioners Organizer: SPPI
Place: outside of the office
ShArE ownErShIP
The Company requires that members of the Board of Commissioners to disclose its share ownership, both in the Company and other companies
domiciled inside or outside the country, in the special register which is updated regularly. The Board of Commissioners’ share ownership as as follows:
BoArd oF coMMISSIonErS MEETIng
Meetings of Board of Commissioners The Board of Commissioners conducts meetings in order to control the Company managed by Board of Directors. The Board of Commissioners holds meetings in accordance with appropriate regulations, namely:
tertulis dari Direksi atau atas permintaan tertulis dari seorang Pemegang Saham yang bersama sama jumlahnya mewakili paling tdak 1/10 bagian dari seluruh jumlah saham dengan hak suara yang sah yang telah dikeluarkan