30. Ikatan dan Perjanjian Penting 30. Commitments and Agreements
a. Perjanjian Kerja Sama a. Cooperation Agreement
Pada tahun 2020, Grup menandatangani perjanjian pemberian pinjaman kepada pihak ketiga sebagai berikut:
In 2020, the Group signed loan cooperation agreements with third parties as follows:
Pada tahun 2021, Perusahaan telah melakukan hak opsi konversi seluruhnya menjadi saham atas pinjaman dari PT Ulima Nitra Tbk.
In 2021, the Company performed the option to wholly convert into shares the loan from PT Ulima Nitra Tbk.
<= 1 Tahun/ 1-2 Tahun/ 3-5 Tahun/ > 5 Tahun/ Jumlah/
<= 1 Year 1-2 Years 3-5 Years > 5 Years Total
Liabilitas keuangan yang diukur Financial liabilities
pada biaya perolehan diamortisasi at amortized cost
Utang lembaga kliring dan Payable to clearing and settlement
penjaminan 38.085.333.168 - - - 38.085.333.168 guarantee institution Utang nasabah 30.630.472.756 - - - 30.630.472.756 Payable to customers Utang lain-lain 29.131.864.998 - - - 29.131.864.998 Other accounts payable Beban akrual 513.163.808 - - - 513.163.808 Accrued expenses Jumlah 98.360.834.730 - - - 98.360.834.730 Total
<= 1 Tahun/ 1-2 Tahun/ 3-5 Tahun/ > 5 Tahun/ Jumlah/
<= 1 Year 1-2 Years 3-5 Years > 5 Years Total
Liabilitas keuangan yang diukur Financial liabilities
pada biaya perolehan diamortisasi at amortized cost
Utang lembaga kliring dan Payable to clearing and settlement
penjaminan 26.110.675.565 - - - 26.110.675.565 guarantee institution
pinjaman/ Jumlah/ perjanjian/ Jatuh tempo/ Bunga per tahun/ Remarks for
Perusahaan/The Company Lender Total Date agreement Due date Tipe/type Tujuan/Purposes Interest per year interest recognition
PT Ulima Nitra Tbk SFC 27.500.000.000 25-Jun-20 25-Jun-21 Konversi/Conversion Modal kerja/Working capital 10% Apabila dibayar kas/If
paid in cash PT Aspirasi Global Cemerlang SFEF 4.500.000.000 04-Des-20 03-Des-21 Konversi/Conversion Modal kerja/Working capital tidak ada
bunga/no interest
-PT Javalink International SFC 4.350.000.000 21-Des-20 20-Des-21 Konversi/Conversion Modal kerja/Working capital tidak ada
bunga/no interest
-PT Karta Cahaya Akusara SFI 4.400.000.000 03-Nov-20 02-Nov-21 Konversi/Conversion Modal kerja/Working capital tidak ada
bunga/no interest
-BAI 3.130.000.000 23-Okt-20 22-Okt-21 Pinjaman/Loan Modal kerja/Working capital 20% setelah 6 bulan/after
6 months MUI 1.120.000.000 06-Nov-20 05-Jun-21 Pinjaman/Loan Modal kerja/Working capital tidak ada
bunga/no interest
-MPM 365.000.000 28-Nov-20 27-Nov-21 Pinjaman/Loan Modal kerja/Working capital 20% setelah 6 bulan/after
6 months
SFI 3.045.000.000 23-Des-20 22-Jun-21 Pinjaman/Loan Bridging loan 22% setelah 3 bulan/after
3 months
PT Prabumas Arta Mulia SFEF 840.000.000 28-Des-20 27-Des-21 Pinjaman/Loan Modal kerja/Working capital 20% setelah 6 bulan/after
6 months
MPM 620.000.000 20-Nov-20 19-Nov-21 Pinjaman/Loan Modal kerja/Working capital 20% setelah 6 bulan/after
6 months MUI 3.680.000.000 09-Nov-20 08-Jun-21 Pinjaman/Loan Modal kerja/Working capital tidak ada
bunga/no interest
-SFC 2.150.000.000 11-Des-20 10-Des-21 Pinjaman/Loan Modal kerja/Working capital 20% setelah 6 bulan/after
6 months
SFS 2.000.000.000 11-Okt-20 10-Okt-21 Pinjaman/Loan Modal kerja/Working capital 20% setelah 6 bulan/after
6 months
PT Inmas Energy SFS 4.100.000.000 02-Okt-20 01-Okt-21 Pinjaman/Loan Modal kerja/Working capital 20% setelah 6 bulan/after
6 months
SFI 2.130.000.000 04-Des-20 03-Jun-21 Pinjaman/Loan Bridging loan 22% setelah 3 bulan/after
3 months
Pada tahun 2021, Perusahaan telah memperoleh pelunasan pokok pinjaman dari PT Aspirasi Global Cemerlang, PT Karta Cahaya Akusara, PT Javalink International, PT Sinar Terang Sentosa, PT Prabumas Arta Mulia, PT Wasata Adhigana Yasa, CV Top Selera,
PT Bancoolen Carbon Coal dan PT Inmas Energy.
In 2021, the Company has obtained loan repayment from PT Aspirasi Global Cemerlang, PT Karta Cahaya Akusara, PT Java link International, PT Sinar Terang Sentosa, PT Prabumas Arta Mulia, PT Wasata Adhigana Yasa, CV Top Selera, PT Bancoolen Carbon Coal and PT Inmas Energy.
Pada tahun 2021, Grup menandatangani perjanjian penerimaan pinjaman dari pihak ketiga sebagai berikut:
in 2021 the Company signed a borrowing acceptance agreement from third parties as follows:
b. Perjanjian Sewa - Grup sebagai Pesewa b. Lease Agreements - Group as Lessee Grup menandatangani beberapa perjanjian
sewa sebagai berikut:
The Group entered into various lease agreement as follows:
Nilai tercatat aset hak-guna diungkapkan pada Catatan 12.
The carrying value of right-of-use assets is disclosed in Note 12.
Laporan laba rugi dan penghasilan komprehensif lain konsolidasian menyajikan saldo berikut berkaitan dengan sewa:
The consolidated statements of profit or loss and other comprehensive income shows the following amounts related to leases:
Jumlah pengeluaran kas untuk sewa masing-masing sebesar Rp 1.830.801.944 dan 2.057.638.699 pada tanggal 31 Desember 2021 dan 2020.
The total cash outflow for leases amounted to Rp 1,830,801,944 and Rp 2,057,638,699 as of December 31, 2021 and 2020, respectively.
Keterangan untuk
Penerima Tanggal pengakuan bunga/
pinjaman/ Jumlah/ perjanjian/ Jatuh tempo/ Bunga per tahun/ Remarks for
Perusahaan/The Company Borrower Total Date agreement Due date Tipe/type Tujuan/Purposes Interest per year interest recognition
PT Digital Pasifik Nusantara MPM 2.000.000.000 29-Nov-21 28-Nov-23 Konversi/Conversion Modal kerja/Working capital 3% Apabila dibayar kas/If paid in cash PT Cemerlang Inovasi Persada MPM 1.500.000.000 29-Nov-21 28-Nov-23 Konversi/Conversion Modal kerja/Working capital 3% Apabila dibayar kas/If
paid in cash PT Utama Digital Kapital DPI 300.000.000 22-Mar-21 21-Mar-23 Konversi/Conversion Modal kerja/Working capital 3% Apabila dibayar kas/If
paid in cash
PT Mandrasekar Lestari Sewa kantor/Office space lease Februari 2018 - Januari 2025
Feb ruary 2018 - January 2025 Periode perjanjian/Period of agreement Pihak dalam perjanjian/Counterparties Item yang disewa/Leased item
2021 2020
Beban penyusutan aset Depreciation expense of
aset hak-guna 1.705.692.412 1.604.552.076 right-of-use assets
Beban bunga atas Interest expense on
liabilitas sew a 259.703.876 250.377.756 lease liabilities
Beban berkaitan dengan Expenses relating to
sew a jangka pendek 123.889.851 107.987.541 short-term leases Jumlah 2.089.286.139 1.962.917.373 Total
Jumlah komitmen sewa untuk sewa jangka pendek yang dicatat sebagai beban dengan dasar garis lurus masing-masing sebesar Rp 123.889.851 dan Rp 107.987.541 pada tanggal 31 Desember 2021 dan 2020.
Total lease commitments from short-term leases accounted recognized as expenses on a straight-line basis amounted to Rp 123,889,851 and Rp 107,987,541 as of December 31, 2021 and 2020, respecively.
31. Informasi Segmen 31. Segment Information
Segmen operasi dilaporkan sesuai dengan pelaporan internal kepada pembuat keputusan operasional, yang bertanggung jawab atas alokasi sumber daya ke masing-masing segmen yang dilaporkan serta menilai kinerja masing-masing segmen tersebut. Grup memiliki 4 (empat) segmen yang dilaporkan meliputi perantara pedagang dan penjamin emisi efek, layanan pinjam meminjam uang berbasis teknologi, layanan berbasis pembayaran elektronik dan jasa konsultan.
Operating segments are reported in accordance with the internal reporting provided to the chief operating decision maker, which is responsible for allocating resources to the reportable segments and assesses its performance. The Group has four (4) reportable segments including brokerage and underwritter, financial technology peer to peer lending, electronic payment services and consultancy services.
Perantara pedagang Layanan pinjam Layanan berbasis
dan penjamin meminjam uang pembayaran
emisi efek/ berbasis teknologi/ elektronik/
Brokerage and Financial Tecnology Jasa konsultan/ Electronic payment
underwritter Peer to Peer Lending Consultancy services services Jumlah/Total
Laporan lab a rugi Consolidated statement of
dan penghasilan profit or loss
komprehensif lain and other comprehensive
konsolidasian income
Pendapatan usaha 9.113.777.889 1.100.307.401 1.560.000.000 8.699.424 11.782.784.714 Operating revenues Beban pokok pendapatan - - (128.500.000) - (128.500.000) Cost of operating revenues Laba kotor 9.113.777.889 1.100.307.401 1.431.500.000 8.699.424 11.654.284.714 Gross profit
Beban usaha Operating expenses
Gaji dan tunjangan (3.371.073.725) (2.052.040.312) (3.200.243.933) (2.950.656.517) (11.574.014.487) Salaries and allowances Pemasaran (9.932.145.631) (436.796.760) (288.774.002) (36.476.707) (10.694.193.100) Marketing
Penyusutan (2.100.083.893) (229.086.651) (2.057.670.867) (954.080.931) (5.340.922.342) Depreciation Utilitas (1.729.775.646) (154.648.919) (473.345.015) (472.387.972) (2.830.157.552) Utilities Amortisasi (10.202.083) (293.750.000) (656.387.496) (1.250.845.002) (2.211.184.581) Amortization Jasa profesional (346.860.204) (167.147.467) (663.582.500) (387.480.000) (1.565.070.171) Professional fees Umum dan perlengkapan kantor (429.550.061) (172.148.366) (698.662.176) (157.072.863) (1.457.433.466) General and office supplies Perijinan (465.522.312) (98.682.796) (343.908.350) (25.000.000) (933.113.458) Licenses
Pajak (179.221.000) (43.856.973) (62.680.343) (21.667.846) (307.426.162) Tax Sewa (65.816.100) (28.530.451) (23.669.300) (5.874.000) (123.889.851) Rental Lain-lain (89.394.959) (223.526.500) (86.426.500) (49.009.179) (448.357.138) Others
Jumlah beban usaha (18.719.645.614) (3.900.215.195) (8.555.350.482) (6.310.551.017) (37.485.762.308) Total operating expenses
Rugi usaha (9.605.867.725) (2.799.907.794) (7.123.850.482) (6.301.851.593) (25.831.477.594) Operating loss Penghasilan (beban)
lain-lain - bersih 21.088.309.374 273.732.326 (14.435.399.121) (70.764.812) 6.855.877.767 Other income (expense) - net
Laba (rugi) sebelum pajak 11.482.441.649 (2.526.175.468) (21.559.249.603) (6.372.616.405) (18.975.599.827) Profit (loss) before tax Penghasilan (beban) pajak - bersih (158.408.080) - 673.822.881 - 515.414.801 Tax benefit (expense) - net Laba (rugi) tahun berjalan 11.324.033.569 (2.526.175.468) (20.885.426.722) (6.372.616.405) (18.460.185.026) Profit (loss) for the year
Laporan posisi keuangan Consolidated statement of
konsolidasian financial positions
Aset segmen *) 199.894.930.236 11.193.075.910 90.094.181.117 8.603.330.403 309.785.517.666 Segment assets *) Liabilitas segmen *) 95.353.981.743 370.267.539 1.061.211.144 6.689.488.791 103.474.949.217 Segment liabilities *)
*) Aset segmen tidak termasuk pajak dibayar dimuka sedangkan liabilitas segmen tidak termasuk utang pajak/
Segment assets do not include prepaid tax and while segment liab ilities do not include taxes payab le 31 Desember 2021/Decemb er 31, 2021
32. Aset Moneter dalam Mata Uang Asing 32. Monetary Asset Denominated in Foreign