Nama Kantor Akuntan Publik:
Tanudiredja, Wibisana & Rekan
Berikut adalah Kantor Akuntan Publik yang melakukan audit Laporan Keuangan Perseroan selama 3 (tiga) tahun terakhir :
Audit Fee Audit Fee Tahun
Year Nama KAP
Public Accountant Office Audit Fee
Audit Fee
2011 Tanudiredja, Wibisana & Rekan Rp899.100.000
2012 Tanudiredja, Wibisana & Rekan Rp832.500.000
2013 Tanudiredja, Wibisana & Rekan Rp797.100.000
Selama tahun 2013, Kantor Akuntan Publik Tanudiredja, Wibisana & Rekan tidak memberikan Jasa lain kepada Perseroan selain jasa audit, sehingga tidak terjadi benturan kepentingan dalam pelaksanaan proses audit.
risk identification, risk assessment, risk mitigation and risk disclosure.
The Company is also committed to disclose relevant risks that significantly affect Company’s values. Thus, FIF also awares that there are also certain risks beyond the Company’s control that can be completelty eliminated by internal efforts.
In performing its business, the Company also implements risk mitigation through several necessary actions to minimize the risks impact, as follows:
• Funding Risk, which is managed by:
Implementing funding sources diversification strategy namely acquired from customers installment payment, bank loan both domestic or foreign and bonds issueance that will reach optimum funding structure as well as implementing matching fund policy.
• Credit Risk, which is managed by:
Implementing a prudent underwriting policy. The Company also applies a selective financing approval process, customer data verification, and customer segmentation based on location, type of motorcycle, period of financing, and type of occupation. To analyze customers’ data, the Company utilizes a “Smart Identification Profile” (SIP) scoring system The result of SIP is confirmed through Mobile Network Application System (MONAS), a smartphone-based integrated application. Verification from Field Verifiers are then reported to Credit Analysts.
The Company also applies effective and efficient collecting strategies, and deploys dedicated teams to handle nonperforming loans.
• Technological Risk, which is managed by:
Developing an online and integrated information technology system to support the performance, Manajemen resiko yang sistematis, meliputi identifikasi
resiko, penilaian resiko, pengendalian resiko, serta pengungkapan resiko.
Perusahaan juga memiliki komitmen untuk meng-ungkapkan resiko-resiko yang relevan dan secara signifikan dapat mempengaruhi nilai Perusahaan. Namun demikian, FIF juga menyadari adanya resiko yang berada di luar kendali yang tidak dapat dihilangkan sepenuhnya oleh upaya-upaya internal.
Dalam menjalankan usaha, Perseroan melakukan pengendalian resiko dengan melakukan upaya-upaya yang diperlukan untuk meminimalkan terjadinya resiko tersebut, yaitu :
• Risiko Pendanaan, dikelola dengan cara:
Menerapkan strategi diversifikasi sumber pendanaan diantaranya bersumber dari penerimaan pembayaran angsuran konsumen, pinjaman perbankan baik dalam maupun luar negeri, serta penerbitan surat berharga seperti Obligasi sehingga tercapai struktur pendanaan yang optimal serta penyelarasan jangka waktu dan mata uang (matching fund policy).
• Risiko Kredit, dikelola dengan cara:
Menerapkan prinsip kehati-hatian (prudent under-writing policy) dimana Perseroan dalam menjaring konsumen menerapkan proses pemberian kredit yang selektif kepada calon konsumen, verifikasi data konsumen serta melakukan segmentasi konsumen berdasarkan wilayah, tipe motor, jangka waktu pemberian kredit dan jenis pekerjaan. Selain itu data konsumen dianalisis mengunakan scoring system yang disebut Smart Identification Profile (SIP), yang dimana hasil verifikasi data di konfirmasi melalui aplikasi terpadu berbasis smartphone oleh field verifier kepada Credit Analyst yang disebut Mobile Network Application System (MONAS). Perseroan juga menerapkan strategi penagihan yang efektif dan efisien dengan penanganan kredit bermasalah yang ditangani oleh team khusus.
• Risiko Teknologi, dikelola dengan cara:
Mengembangkan sistem teknologi informasi yang online dan integrated yang tepat guna untuk
Tata Kelola Perusahaan - Good Corporate Governance processes and operations of the Company
throughout its network in Indonesia. The Company also maintains a DRC (Disaster Recovery Center) for data storage and operational recovery in the event of disruption.
• Operational Risk, which is managed by:
Performing centralized operational control and consistently carrying out operational audit so as to create appropriate control. The Company also continuously provides regular training for employees, especially field staff, to improve their competence in conducting verification and collection to non-performing loan vehicle withdrawal.
• Monetary Policy Risk, which is managed by:
Monitoring the development of monetary policies and implementing funding sources diversification strategy to prevent dependency on a single source of funding.
• Interest Rate Risk, which is managed by:
Implementing funding sources diversification strategy to acquire competitive interest rates from several funding sources.
• Macroeconomic Risk, which is managed by:
Monitoring macroeconomic developments in a sustainable manner, especially towards several issues that are directly related to Company’s business, such as inflation and interest rate shifting. The Company has consistently implemented a diversified strategy to preserve its funding and consistently implements a full hedge policy to maintain interest and exchange rates fluctuations.
• Competition Risk, which is managed by:
Increasing financing through mutual beneficiary partnerships with Honda motorcycles distributors and dealers as well as providing innovative financing mendukung peningkatan kinerja, proses dan
operasional Perseroan di semua jaringan di seluruh Indonesia. Perseroan juga memiliki DRC (Disaster Recovery Center) untuk penyimpanan data dan pemulihan kegiatan operasional jika terjadi gangguan.
• Risiko Operasional, dikelola dengan cara:
Melakukan pengendalian operasional secara terpusat dan secara konsisten melaksanakan audit operasional sehingga tercipta kontrol yang baik serta secara berkelanjutan memberikan pelatihan kepada karyawan khususnya karyawan tenaga lapangan untuk meningkatkan kompetensi tenaga lapangan dalam melakukan survey atau verifikasi, penagihan (collection) hingga penarikan kendaraan atas kredit yang bermasalah.
• Risiko atas Kebijakan Moneter, dikelola dengan cara:
Memantau perkembangan kebijakan moneter dan menerapkan strategi diversifikasi sumber pendanaan sehingga tidak bergantung kepada satu sumber pendanaan saja secara berkala.
• Risiko Tingkat Suku bunga, dikelola dengan cara:
Menerapkan strategi diversifikasi sumber pendanaan sehingga bisa diperoleh tingkat suku bunga yang kompetitif dari berbagai sumber pendanaan yang berbeda.
• Risiko Makro ekonomi, dikelola dengan cara:
Memantau perkembangan makro ekonomi secara berkelanjutan terutama terhadap hal-hal yang berkaitan langsung dengan usaha Perseroan seperti pergerakan tingkat inflasi dan suku bunga.
Perseroan juga secara konsisten menerapkan strategi pendanaan yang diversifikasi untuk menjaga kelangsungan pendanaan serta secara konsisten menerapkan strategi lindung nilai (fully hedge policy) untuk menjaga fluktuasi suku bunga dan nilai tukar.
• Risiko Persaingan, dikelola dengan cara:
Meningkatkan pembiayaan melalui kerjasama yang saling menguntungkan dengan distributor dan dealer sepeda motor Honda serta menyediakan
packages, and expanding its sales network and services to all customers and partnered dealers spread nationwide.
• Social and Political Risk, which is managed by:
In mitigating Social and Political Risk, that mostly related with banking or investor fund availability, the Company is Consistently applying a diversified funding source strategy namely from customers installments revenue, loan with domestic or foreifn banks, as well as Bonds issuance that will establish optimum funding structure as well as applied matching fund policy, and continuously establish sound and professional relationship with banks and investors to maintain the trust from respected parties.
• Changes in Currency Risk, which is managed by:
Implementing fully hedge polocy consistently by performing cross currency swap transaction aiming to perform hedging value activity on interest rate and foreign currency rate uncertainty occured on cash flows and loan interest.
• Supply and demand Risk, which is managed by:
Establishing harmonious and sustainable relationships with suppliers to acquire necessary information regarding goods availability that the will be able to take required anticipatory actions also related with the customers’ dmenad risk, The Company also establish sustainable partnership with the suppliers to provide innovative financing packages that provided benefit for the customers, to increase customers’ demand.