Pilar 4: Pengendalian Internal Pillar 4: Internal Control Perseroan memiliki Divisi Audit Internal yang secara
44. OPERASI SEGMEN OPERATING SEGMENT Perseroan mengelola kegiatan usahanya dan
mengidentifikasi segmen yang dilaporkan berdasarkan jenis produk dan wilayah geografis. Laba/rugi dari masing-masing segmen digunakan untuk menilai kinerja masing-masing segmen. Informasi yang berkaitan dengan segmen usaha utama disajikan sebagai berikut:
The Company manages its business activities and identifies its reported segments based on product categories and geographic area. Profit and loss from each segment is used to measure performance of each segments information concerning the main segments was set out as follows:
Motor/ Mobil/
Motorcycles 1 Cars Total
1 1
Pendapatan pembiayaan konsumen 1.018.102 390.922 1.409.024 Consumer financing income Pendapatan sewa pembiayaan 19 68.657 68.676 Financing leases income Beban bunga dan keuangan (346.125) (224.193) (570.318) Interest expenses and financing charges Bagi hasil untuk investor dana (7.618) (1.555) (9.173) Margin distribution for fund investor Laba periode berjalan 301.793 45.273 347.066 Income for the period
Penyisihan kerugian penurunan nilai Provision for impairment losses
Pembiayaan konsumen (315.717) (126.146) (441.863) Consumer financing Sewa pembiayaan (17) (19.701) (19.718) Financing leases
Aset 15.247.460 11.719.814 26.967.274 Assets
Liabilitas 14.448.686 9.710.906 24.159.592 Liabilities
31 Maret/March 2015
Motor/ Mobil/
Motorcycles Cars Total
1
1 1
Pendapatan pembiayaan konsumen 1.034.429 392.961 1.427.390 Consumer financing income Pendapatan sewa pembiayaan 10 51.907 51.917 Financing leases income Beban bunga dan keuangan (323.811) (194.766) (518.577) Interest expenses and financing charges Bagi hasil untuk investor dana (6.101) (825) (6.926) Margin distribution for fund investor Laba periode berjalan 417.248 194.938 612.186 Income for the period
Penyisihan kerugian penurunan nilai Provision for impairment losses
Pembiayaan konsumen (216.292) (94.610) (310.902) Consumer financing Sewa pembiayaan (6) (7.650) (7.656) Financing leases
Aset 16.184.756 14.190.736 30.375.492 Assets
Liabilitas 14.693.034 8.733.201 23.426.235 Liabilities
31 Maret/March 2014
Motor/ Mobil/
Motorcycles Cars Total
1
1 1
Pendapatan pembiayaan konsumen 4.192.907 1.557.009 5.749.916 Consumer financing income Pendapatan sewa pembiayaan 67 241.651 241.718 Financing leases income Beban bunga dan keuangan (1.430.337) (831.542) (2.261.879) Interest expenses and financing charges Bagi hasil untuk investor dana (23.923) (3.155) (27.078) Margin distribution for fund investor Laba tahun berjalan 1.430.431 330.083 1.760.514 Income for the year
Penyisihan kerugian penurunan nilai Provision for impairment losses
Pembiayaan konsumen (1.250.595) (483.038) (1.733.633) Consumer financing Sewa pembiayaan (52) (75.485) (75.537) Financing leases
Aset 16.033.568 12.048.782 28.082.350 Assets
Liabilitas 15.352.271 9.380.169 24.732.440 Liabilities
31 Desember/December 2014
119
44. OPERASI SEGMEN (lanjutan) 44. OPERATING SEGMENT (continued)
Berikut adalah informasi yang berkaitan dengan segmen usaha utama berdasarkan wilayah geografis:
The following tables present information concerning the main segments based on geographic area:
Bali dan Nusa Tenggara/
Bali and
Jawa Barat/ Jawa Tengah/ Jawa Timur/ South-east
Jabodetabekser West Java Central Java East Java Sumatera Kalimantan Sulawesi Island Total
1
1 1 1 1 1 1 1 1
Pendapatan pembiayaan
konsumen 316.591 133.525 163.386 144.860 288.301 151.503 148.197 62.661 1.409.024 Consumer financing income Pendapatan sewa
pembiayaan 27.249 5.908 3.201 1.240 3.448 2.162 25.303 165 68.676 Financing leases income
Beban bunga dan Interest expenses and
keuangan (153.224) (61.493) (49.731) (61.977) (100.399) (49.957) (71.455) (22.082) (570.318) financing charges
Bagi hasil untuk investor Margin distribution for
dana (1.293) (827) (1.505) (1.170) (2.411) (656) (1.254) (57) (9.173) fund investor Beban penyusutan (1.650) (978) (1.014) (1.328) (3.208) (1.450) (1.090) (545) (11.263) Depreciation expenses Laba periode berjalan 68.622 28.216 61.054 23.889 43.460 39.147 50.164 22.554 337.106 Income for the period
Penyisihan kerugian Provision for impairment
penurunan nilai losses
Pembiayaan konsumen (104.284) (43.499) (45.364) (44.379) (105.188) (51.429) (34.768) (12.952) (441.863) Consumer financing Sewa pembiayaan (5.919) (1.475) (969) (969) (1.485) (283) (8.589) (29) (19.718) Financing leases
Aset 6.901.804 2.444.321 3.248.055 3.025.207 5.228.029 2.425.640 3.353.657 1.281.242 27.907.955 Assets
Liabilitas 6.407.716 2.562.669 2.183.514 2.617.665 4.316.446 2.118.534 3.085.136 962.673 24.254.353 Liabilities 31 Maret/March 2015
Bali dan Nusa Tenggara/
Bali and
Jawa Barat/ Jawa Tengah/ Jawa Timur/ South-east
Jabodetabekser West Java Central Java East Java Sumatera Kalimantan Sulawesi Island Total
1
1 1 1 1 1 1 1 1
Pendapatan pembiayaan
konsumen 312.717 145.734 169.294 155.440 292.376 151.816 139.587 60.426 1.427.390 Consumer financing income Pendapatan sewa
pembiayaan 24.341 4.005 2.150 974 2.008 2.257 15.944 238 51.917 Financing leases income
Beban bunga dan Interest expenses and
keuangan (121.467) (52.920) (51.709) (56.154) (100.037) (50.590) (50.556) (35.144) (518.577) financing charges
Bagi hasil untuk investor Margin distribution for
dana (1.584) (1.063) (600) (927) (1.473) (569) (629) (81) (6.926) fund investor Beban penyusutan (1.562) (927) (1.111) (1.230) (3.022) (1.377) (1.111) (457) (10.797) Depreciation expenses Laba periode berjalan 148.057 68.579 86.658 57.980 94.475 56.220 75.116 23.290 610.375 Income for the period
Penyisihan kerugian Provision for impairment
penurunan nilai losses
Pembiayaan konsumen (67.322) (27.701) (28.312) (34.029) (77.482) (43.004) (25.467) (7.585) (310.902) Consumer financing Sewa pembiayaan (905) (781) (153) (356) (254) (872) (4.342) 7 (7.656) Financing leases
Aset 7.443.857 2.758.361 3.558.873 3.311.137 5.651.508 2.809.427 3.385.269 1.457.061 30.375.493 Assets
Liabilitas 5.466.131 2.395.014 2.345.807 2.539.290 4.525.954 2.285.262 2.296.731 1.572.046 23.426.235 Liabilities 31 Maret/March 2014
121
44. OPERASI SEGMEN (lanjutan) 44. OPERATING SEGMENT (continued)
Bali dan Nusa Tenggara/
Bali and
Jawa Barat/ Jawa Tengah/ Jawa Timur/ South-east
Jabodetabekser West Java Central Java East Java Sumatera Kalimantan Sulawesi Island Total
1
1 1 1 1 1 1 1 1
Pendapatan pembiayaan
konsumen 1.289.754 577.680 679.662 610.872 1.166.962 614.751 564.436 245.799 5.749.916 Consumer financing income Pendapatan sewa
pembiayaan 103.397 20.667 10.775 4.673 10.298 8.805 82.266 837 241.718 Financing leases income
Beban bunga dan Interest expenses and
keuangan (608.024) (244.677) (201.515) (240.921) (406.466) (203.068) (264.739) (92.469) (2.261.879) financing charges
Bagi hasil untuk investor Margin distribution for
dana (4.731) (3.089) (4.114) (3.721) (6.500) (2.121) (2.558) (244) (27.078) fund investor Beban penyusutan (6.348) (3.449) (3.956) (5.109) (12.519) (5.686) (4.387) (2.038) (43.492) Depreciation expenses Laba tahun berjalan 366.508 181.028 295.281 161.981 262.956 188.934 203.356 94.386 1.754.430 Income for the year
Penyisihan kerugian Provision for impairment
penurunan nilai losses
Pembiayaan konsumen (400.564) (169.936) (176.004) (189.316) (396.414) (202.458) (144.186) (54.755) (1.733.633) Consumer financing Sewa pembiayaan (27.808) (6.789) (3.384) (1.717) (2.231) (4.435) (29.068) (105) (75.537) Financing leases
Aset 7.187.783 2.592.748 3.346.933 3.133.019 5.422.917 2.555.372 3.431.263 1.316.651 28.986.686 Assets
Liabilitas 6.437.244 2.653.747 2.271.241 2.654.761 4.551.501 2.230.042 2.992.371 1.013.440 24.804.347 Liabilities 31 Desember/December 2014
Berikut adalah rekonsiliasi laba neto, aset dan liabilitas untuk segmen dilaporkan berdasarkan jenis produk:
The reconciliation of net income, assets and liabilities for reportable segments based on product categories as follows:
2015 2014 December 2014
Laba untuk segmen dilaporkan 347.066 612.186 1.760.514 Income for reportable segments Jumlah yang tidak dialokasikan (201.341)(270.983) (968.349) Unallocated amounts Laba periode berjalan 76.083 410.845 792.165 Income for the period Aset untuk segmen dilaporkan 26.967.274 30.375.492 28.082.350 Assets for reportable segments Jumlah yang tidak dialokasikan 904.6092.329.258 1.848.532 Unallocated amounts
Aset 31.280.10129.296.532 29.930.882 Assets
Liabilitas untuk segmen dilaporkan 24.159.592 23.426.235 24.732.440 Liabilities for reportable segments Jumlah yang tidak dialokasikan 996.850 1.452.795 1.130.873 Unallocated amounts
Liabilitas 24.879.03025.156.442 25.863.313 Liabilities
31 Maret/March 31 Desember/
Berikut adalah rekonsiliasi laba neto, aset dan liabilitas untuk segmen dilaporkan berdasarkan wilayah geografis:
The reconciliation of net income, assets and liabilities for reportable segments based on geographic area as follows:
2015 2014 December 2014
Laba untuk segmen dilaporkan 337.106 610.375 1.754.430 Income for reportable segments Jumlah yang tidak dialokasikan (199.530)(261.023) (962.265) Unallocated amounts Laba periode berjalan 76.083 410.845 792.165 Income for the period Aset untuk segmen dilaporkan 27.907.955 30.375.493 28.986.686 Assets for reportable segments Jumlah yang tidak dialokasikan 904.6081.388.577 944.196 Unallocated amounts
Aset 31.280.10129.296.532 29.930.882 Assets
Liabilitas untuk segmen dilaporkan 24.254.353 23.426.235 24.804.347 Liabilities for reportable segments Jumlah yang tidak dialokasikan 902.089 1.452.795 1.058.966 Unallocated amounts
Liabilitas 24.879.03025.156.442 25.863.313 Liabilities
31 Maret/March 31 Desember/
45. RENCANA AKSI KORPORASI 45. CORPORATE ACTION PLAN
Perseroan merencanakan untuk melakukan aksi korporasi dengan menerbitkan Obligasi Berkelanjutan III Adira Finance dan Sukuk Mudharabah Berkelanjutan II Adira Finance, yang mungkin dilakukan pada semester pertama tahun 2015 untuk mendukung pertumbuhan pembiayaan.
The Company is planning for a corporate action through Adira Finance Continuing Bonds III and Adira Finance Continuing Mudharabah Bonds II issue plan, that might be conducted in the first semester of 2015 to support the growth of its consumer.