Jangka Pendek Short Term
2017 2016 2015
Rp '000 Rp '000 Rp '000
PT Bank Central Asia Tbk 131.841.942 72.638.423 5.227.522 PT Bank Central Asia Tbk PT Bank Mandiri Tbk 21.474.283 31.948.574 29.976.510 PT Bank Mandiri Tbk
Standard Chartered Bank Indonesia 15.246.165 5.226.969 - Standard Chartered Bank Indonesia PT Bank UOB Indonesia 3.064.949 74.709.102 24.480.004 PT Bank UOB Indonesia
PT Bank ANZ Indonesia - - 29.927.624 PT Bank ANZ Indonesia
Jumlah 171.627.339 184.523.068 89.611.660 Total
PT Bank Central Asia Tbk (BCA) PT Bank Central Asia Tbk (BCA)
Berdasarkan Perjanjian Kredit No. 17 tanggal 8 Oktober 2014 Perusahaan memperoleh fasilitas Kredit Investasi dari BCA dengan pagu kredit sebesar Rp 25.000.000.000 dengan tingkat bunga 12,25% per tahun. Provisi atas fasilitas kredit sebesar 0,5% per tahun yang dihitung dari jumlah fasilitas kredit lokal yang diberikan. Provisi ini dibayarkan saat penandatanganan perjanjian fasilitas.
According to The Credit Agreement No. 17 dated October 8, 2014 the Company obtained an Investment Credit from BCA amounting Rp 25,000,000,000 with an interest rate of 12.25% per annum. The fee for this facility is 0.5% per annum from the amount of local credit facility. The fee should be paid upon the signing of the facility agreement.
Berdasarkan perpanjangan perjanjian fasilitas kredit No. 49 tanggal 21 November 2016 Perusahaan memperoleh fasilitas Kredit Lokal dan Time Loan Revolving I dan Time Loan Revolving II. Jangka waktu fasilitas kredit diberikan selama 12 bulan sejak tanggal 1 November 2016 hingga 31 Oktober 2017. Bunga atas fasilitas Kredit Lokal dan Time Loan Revolving masing-masing berkisar antara 11% - 12% per tahun.
According to The Credit Agreement No. 49 dated November 21, 2016 the Company obtained Local Credit and Time Loan Revolving facility I and Time Loan Revolving II. The credit facility was granted for 12 months from November 1, 2016 to October 31, 2017. The Local Credit and Time Loan Revolving bears an interest ranged from 11% - 12% per annum, respectively.
Perjanjian ini telah mengalami perubahan, terakhir melalui perjanjian No. 30 tanggal 9 Juni 2017.
Perusahaan memperoleh fasilitas Kredit Lokal, Time Loan Revolving I, dan Time Loan Revolving II. Jangka waktu fasilitas kredit diberikan selama 12 bulan sejak tanggal 1 November 2017 hingga 1 November 2018. Bunga atas fasilitas Kredit Lokal, Installment Loan, Time Loan Revolving, dan Kredit Investasi masing-masing berkisar antara 11,50% - 11,75% per tahun.
This Credit Agreement was amended, the latest with credit agreement No. 30 dated June 9, 2017. The Company obtained Local Credit, Time Loan Revolving I and Time Loan Revolving II. The credit facility was granted for 12 months from November 1, 2017 to November 1, 2018. The Local Credit, Installment Loan, Time Loan Revolving, and Credit Investment bears an interest ranged from 11.50% - 11.75% per annum, respectively.
Tujuan pemberian fasilitas ini adalah untuk pembiayaan modal kerja.
The purpose of this facility is for financing working capital.
Jaminan atas fasilitas ini adalah beberapa unit tanah dan bangunan, persediaan, piutang, jaminan perseorangan dari pemegang saham dan fixed deposit sebesar 23% dari nominal pinjaman yang akan ditarik
The collaterals for these facilities are several unit of lands and buildings, inventories, receivables, personal guarantee from shareholders and fiduciary security in the form of fixed deposit of 23% from outstanding loan to be drawn.
Perjanjian pinjaman mengharuskan Perusahaan memenuhi persyaratan keuangan tertentu, antara lain rasio EBITDA terhadap pembayaran finansial minimal 1 dan rasio utang berbunga terhadap ekuitas maksimal 4. Perusahaan diharuskan untuk memberikan pemberitahuan tertulis kepada bank terkait dengan perubahan susunan pengurus, merger dan akuisisi dan perubahan bentuk Perusahaan.
The loan agreement required the Company to fulfill certain financial covenants, such as EBITDA to financial payment ratio at a minimum of 1 and net interest bearing to equity ratio at a maximum of 4. The Company must give written notification to bank regarding changes in management, mergers and acquisitions and changes in Company structure.
PT Bank Mandiri Tbk (Bank Mandiri) PT Bank Mandiri Tbk (Bank Mandiri) Berdasarkan dokumen addendum pertama Perjanjian
Kredit No. CDO.JSD/0590/NCL/2015 tanggal 12 November 2015, Perusahaan memperoleh fasilitas Trust Receipt Non Letter of Credit (LC) dari PT Bank Mandiri (Persero) Tbk sebesar Rp 30.000.000 ribu dengan suku bunga sesuai dengan ketentuan bunga trade finance mingguan Bank Mandiri.
Based on first addendum Credit Agreement document No. CDO.JSD/0590/NCL/2015 dated November 12, 2015 the Company obtained a Trust Receipt Non Letter of Credit (LC) facility from PT Bank Mandiri (Persero) Tbk amounting Rp 30,000,000 thousand with interest rate based on Bank Mandiri’s weekly interest trade finance.
Berdasarkan dokumen addendum ketiga Perjanjian Kredit No. CDO.JSD/0590/NCL/2015 tanggal 27 Oktober 2016, Perusahaan memperoleh fasilitas Trust Receipt Non Letter of Credit (LC) dari PT Bank Mandiri (Persero) Tbk dengan suku bunga sesuai dengan ketentuan bunga trade finance mingguan Bank Mandiri.
Based on third addendum Credit Agreement document No. CDO.JSD/0590/NCL/2015 dated October 27, 2016 the Company obtained a Trust Receipt Non Letter of Credit (LC) facility from PT Bank Mandiri (Persero) Tbk with interest rate based on Bank Mandiri’s weekly interest trade finance.
Berdasarkan dokumen addendum keempat Perjanjian Kredit No. CDO.JSD/0590/NCL/2015 tanggal 27 Oktober 2017, Perusahaan memperoleh fasilitas Trust Receipt Non Letter of Credit (LC) dari PT Bank Mandiri (Persero) Tbk dengan suku bunga sesuai dengan ketentuan bunga trade finance mingguan Bank Mandiri.
Based on fourth addendum of Credit Agreement document No. CDO.JSD/0590/NCL/2015 dated October 27, 2017 the Company obtained a Trust Receipt Non Letter of Credit (LC) facility from PT Bank Mandiri (Persero) Tbk with interest rate based on Bank Mandiri’s weekly interest trade finance.
Tujuan dari fasilitas ini adalah untuk pembiayaan tagihan. Fasilitas dimulai 28 Oktober 2017 dan akan jatuh tempo pada tanggal 27 Oktober 2018 dengan jangka waktu pembiayaan transaksi minimal 14 hari hingga 90 hari dari tanggal invoice jatuh tempo.
The purpose of this facility is for the payment of invoices. The facility starts from October 28, 2017 and will be matured in October 27, 2018 with a minimum transaction payment period of 14 days until 90 days from due date of the invoice.
Jaminan atas fasilitas ini adalah piutang usaha, deposito, jaminan perseorangan dan garansi defisit arus kas oleh pemegang saham.
The collaterals for this facility are account receivables, deposits, personal guarantees and deficit cash flow guarantee by shareholder.
Perjanjian pinjaman mengharuskan Perusahaan memenuhi persyaratan keuangan tertentu, antara lain rasio baki debet terhadap jumlah persediaan dan piutang minimal 1,25, EBITDA terhadap pembayaran finansial minimal 1, rasio utang berbunga terhadap ekuitas maksimal 2,23 dan current ratio minimal 1.
Perusahaan diharuskan untuk memberikan pemberitahuan tertulis kepada bank terkait dengan perubahan susunan pengurus, merger dan akuisisi dan perubahan bentuk Perusahaan.
The loan agreement required the Company to fulfill certain financial covenants, such as outstanding loan to total inventory and receivables at a minimum of 1.25, EBITDA to financial payment ratio at a minimum of 1, net interest bearing to equity ratio at a maximum of 2.23 and current ratio at a minimum of 1. The Company must give written notification to bank regarding changes in management, mergers and acquisitions and changes in company structure.
Standard Chartered Bank Indonesia Standard Chartered Bank Indonesia Berdasarkan Perjanjian fasilitas No. CC/670/VIII/2016
tanggal 9 Agustus 2016, Perusahaan mendapatkan fasilitas Import Invoice Financing (IIF) secara overdraft dengan suku bunga berkisar antara 11% - 12% per tahun. Setiap penarikan atas fasilitas ini akan jatuh tempo setelah 90 hari dari tanggal penarikan.
Based on Facility Aggrement No. CC/670/VIII/2016 dated August 9, 2016, the Company obtained an Import Invoice Financing (IIF) loan facility with interest rate ranged from 11% - 12% per annum. Each drawdown of this facility will be mature after 90 days from drawdown date.
Berdasarkan Addendum perjanjian kredit fasilitas No. CC/670A/VIII/2017 tanggal 2 Agustus 2017, Perusahaan mendapatkan fasilitas Import Invoice Financing (IIF) I dan Import Invoice Financing (IIF) II secara overdraft dengan suku bunga berkisar antara 9,99% - 11% per tahun. Setiap penarikan atas fasilitas ini akan jatuh tempo setelah 90 hari dari tanggal penarikan.
Based on addendum credit Facility Aggrement No. CC/670A/VIII/2017 dated August 2, 2017, the Company obtained an Import Invoice Financing (IIF) I and Import Invoice Financing (IIF) II loan facility with interest rate ranged from 9.99% - 11% per annum.
Each drawdown of this facility will be mature after 90 days from drawdown date.
Tujuan dari fasilitas ini adalah untuk pembiayaan tagihan. Periode ketersediaan fasilitas ini sampai dengan 30 Juni 2018. Pada saat berakhirnya periode ketersediaan, fasilitas akan diperpanjang otomatis selama 12 bulan.
The purpose of this facility is for the payment of invoices. The availability period of this facility is until June 30, 2018. Upon the expiration of availability period, this facility shall be automatically extended for 12 months.
Jaminan atas fasilitas ini adalah gadai rekening, jaminan perorangan terbatas dan piutang usaha.
The collaterals for this facility are pledge over account, limited personal guarantee and account receivables.
PT Bank UOB Indonesia (Bank UOB) PT Bank UOB Indonesia (Bank UOB) Berdasarkan perjanjian fasilitas Bank UOB No. 59
dibawah akta notaris No. 2281/Leg./X/2015/Rkp.1 tanggal 13 Oktober 2015, perusahaan memperoleh fasilitas pinjaman Clean Trust Receipt dengan batas penggunaan maksimum sebesar Rp 30.000.000.000 untuk tujuan modal kerja.
Based on credit facility agreement of Bank UOB No. 59 under notary act No. 2281/Leg.X/2015/Rkp.1 dated October 13, 2015, the Company obtained Clean Trust Receipt loan facility with maximum limit usage amounting Rp 30,000,000,000 for working capital purposes.
Berdasarkan perjanjian fasilitas Bank UOB No. 217 dibawah akta notaris No. 2839/Leg./V/2016/Rkp.1 tanggal 25 Mei 2016, Perusahaan memperoleh fasilitas pinjaman Pre Export Financing dan Clean Trust Receipt untuk tujuan modal kerja.
Based on credit facility agreement of Bank UOB No. 217 under notary act No. 2839/Leg.V/2016/Rkp.1 dated May 25, 2016, the Company obtained Pre Export Financing and Clean Trust Receipt loan facility for working capital purposes.
Perjanjian ini telah mengalami perubahan, terakhir pada tanggal 23 Oktober 2017 dengan perjanjian nomor 522/10/2017. Jangka waktu fasilitas kredit diberikan selama 12 bulan sejak tanggal 13 Oktober 2017 hingga 13 Oktober 2018. Bunga atas fasilitas kredit berkisar antara 11% - 12% per tahun.
This credit agreement was amended, the latest was on October 23, 2017 with agreement No.522/10/2017.
The credit facility was granted for 12 months from October 13, 2017 to October 13, 2018. The facility bears an interest ranged from 11% - 12% per annum.
Jaminan atas fasilitas ini adalah jaminan perorangan sebesar Rp 100.000.000 ribu dan fixed deposit masing-masing sebesar 23% dan 15% dari nilai fasilitas Clean Trust Receipt dan Pre Export Financing.
The collaterals for this facility are personal guarantee amounted Rp 100,000,000 thousand and fixed deposit of 23% and 15% from Clean Trust Receipt and Pre Export Financing facility, respectively.
Perusahaan diharuskan untuk memberikan pemberitahuan tertulis kepada bank terkait dengan perubahan susunan pengurus, merger dan akuisisi, perubahan bentuk Perusahaan dan struktur modal.
The Company must give written notification to bank regarding changes in management, mergers and acquisitions, changes in Company structure and composition of capital.
PT Bank ANZ Indonesia (Bank ANZ) PT Bank ANZ Indonesia (Bank ANZ) Berdasarkan Perjanjian fasilitas No. 880/FA/
ANZ/AMN-I/IX/2015 tanggal 4 September 2015, Perusahaan mendapatkan fasilitas pinjaman pembiayaan perdagangan secara overdraft dengan jumlah maksimal Rp 45.000.000.000. Fasilitas ini akan jatuh tempo setelah 40 hari dari tanggal penarikan.
Based on Facility Aggrement No. 880/FA/ANZ/AMN-I/IX/2015 dated September 4, 2015, the Company obtained an overdraft trade finance loan facility with maximum amount of Rp 45,000,000,000. This facility will be mature after 40 days from drawdown date.
Tujuan dari fasilitas ini adalah sebagai tambahan modal kerja dalam pengadaan bahan baku dari para fasilitas dan harus dibayarkan dimuka setiap tahunnya.
Fasilitas ini dikenakan suku bunga mengambang, dengan suku bunga setara 5,5% dan 12,5% per tahun untuk mata uang USD dan IDR bergantung pada kondisi pasar.
The fee for this facility is 0.75% per annum and should be paid in advance on a yearly basis. The facility bears a floating interest rate, with interest equal to 5.5% and 12.5% per annum for USD and IDR respectively, depend on market condition.
Jaminan atas fasilitas ini adalah gadai deposito, persediaan dan jaminan perorangan dari pemegang saham.
The collaterals for this facility are pledge of deposit, inventories and personal guarantee from shareholders.
Jangka Panjang Long Term
2017 2016 2015
Rp '000 Rp '000 Rp '000
PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Kredit angsuran 25.447.194 5.724.490 8.414.286 Installment loan
Kredit investasi 4.274.054 - - Investment loan
Jumlah 29.721.248 5.724.490 8.414.286
Current portion of mature w ithin
Bagian jatuh tempo dalam satu tahun one year
PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Kredit angsuran 6.839.796 2.556.463 2.689.796 Installment loan
Kredit investasi 869.299 - - Investment loan
Jumlah 7.709.095 2.556.463 2.689.796 Total
Jumlah utang bank jangka panjang Total long term bank loan
setelah dikurangi bagian jatuh less w ith current portion of mature
tempo dalam satu tahun 22.012.153 3.168.027 5.724.490 w ithin one year
PT Bank Central Asia Tbk (BCA) PT Bank Central Asia Tbk (BCA)
Kredit Angsuran Installment Loan
Berdasarkan Perjanjian Kredit No. 17 tanggal 8 Oktober 2014, Notaris Doktorandus Gunawan Tedjo, SH, MH, Perusahaan memperoleh fasilitas Kredit Angsuran yang terdiri dari yaitu Installment Loan 1, Installment Loan 2, dan Installment Loan 3 dengan pagu kredit masing-masing tidak melebihi Rp 4.000.000 ribu, Rp 6.000.000 ribu dan Rp 5.000.000 ribu. Fasilitas ini dikenakan bunga 12%
per tahun. Provisi atas fasilitas kredit adalah sebesar 1% dari jumlah masing-masing fasilitas kredit yang diberikan.
Based on Credit Agreement No. 17 dated October 8, 2014 of Notary Doctorandus Gunawan Tedjo, SH, MH, the Company obtained an Installment Loan which consists of installment loan 1, installment loan 2, and installment loan 3 with maximum amount of Rp 4,000,000 thousand, Rp 6,000,000 thousand and Rp 5,000,000 thousand, rescpectively. The facilities bear an interest rate of 12% per annum. The fee of this facility is 1% from every facility granted.
Perjanjian ini telah mengalami perubahan, terakhir melalui perjanjian No. 30 tanggal 9 Juni 2017.
Perusahaan memperoleh fasilitas Kredit Angsuran Installment Loan 4 dengan pagu kredit tidak melebihi Rp 25.000.000 ribu. Fasilitas ini dikenakan bunga sebesar 11,50% per tahun.
This Credit Agreement was amended, the latest with credit agreement No. 30 dated June 9, 2017. The Company obtained an Installment Loan 4 facility with maximum amount of Rp 25,000,000 thousand. The facilities bear an interest rate 11.50% per annum.
Fasilitas kredit ini akan jatuh tempo dalam jangka waktu lima tahun sejak tanggal perjanjian pertama ditandatangani. Installment Loan 4 akan berakhir pada tahun 2022, Installment Loan 3 dan 2 akan berakhir pada tahun 2019, dan Installment Loan 1 berakhir ditahun 2017 dan sudah dilunasi.
The credit facilities will be due within five years from the date of the first agreement is signed. Installment Loan 4 will be due in 2022, Installment Loan 3 and 2 will be due 2019, and Installment Loan 1 due in 2017 and has been paid.
Atas fasilitas-fasilitas kredit yang diberikan oleh BCA, Perusahaan telah menyerahkan beberapa agunan yang berparipasu dengan fasiltas kredit lainnya yang Perusahaan terima.
On credit facilities of BCA, the Company has submitted several collateral to the Bank which is related to other credit facility.
Jaminan atas fasilitas ini adalah beberapa unit tanah dan bangunan, persediaan, piutang usaha dan jaminan perorangan dari pemegang saham.
The collaterals for this facility are several unit of lands and buildings, inventories, account receivables and personal guarantee from shareholder.
Kredit Investasi Investment Credit Berdasarkan Akta Perubahan Perjanjian Kredit
No. 30 tanggal 9 Juni 2017, Perusahaan memperoleh fasilitas Kredit Investasi yang terdiri dari Kredit Investasi 1, Kredit Investasi 2, dan Kredit Investasi 3.
Namun sampai dengan tanggal pelaporan keuangan, Perusahaan baru menggunakan fasilitas Kredit Investasi 3. Fasilitas ini dikenakan bunga sebesar 11,50% per tahun.
Based on Credit Agreement Amendment No. 30 dated June 9, 2017, the Company obtained an Investment Credit which consists of Investment Credit 1, Investment Credit 2, and Investment Credit 3.
Until the release reporting date of financial report, the Company only used Credit Investment 3. The facilities bear an interest rate 11.50% per annum.
Fasilitas kredit ini akan jatuh tempo dalam jangka waktu lima tahun sejak tanggal perjanjian pertama ditandatangani. Kredit Investasi 3 akan berakhir pada tahun 2022.
The credit facilities will be due within five years from the date of the first agreement is signed. Investment Credit 3 will be due in 2022.
Atas fasilitas-fasilitas kredit yang diberikan oleh BCA, Perusahaan telah menyerahkan beberapa agunan yang berparipasu dengan fasiltas kredit lainnya yang Perusahaan terima.
On credit facilities of BCA, the Company has submitted several collateral to the Bank which is related to other credit facility
Untuk semua utang bank tersebut tidak terdapat pelanggaran covenant yang dapat mempengaruhi kelangsungan usaha Perusahaan.
For all bank loans, there is no breach of covenant that may threat the going concern of the Company.