Bersiap Menuju Keuangan
Berkelanjutan
Be Ready to Sustainable Finance
Laporan Keberlanjutan Tahun Fiskal 2021 Sustainability Report for Fiscal Year 2021
PT Chailease Finance Indonesia
Strategi Keberlanjutan Sustainability Strategy
Daftar isi
Content
Ikhtisar Kinerja Aspek Keberlanjutan
Overview of Sustainability Aspects Performance
Profil Perusahaan The Company’s Profile
Penjelasan dari Direksi
Statement from the Board of Directors
Tata Kelola Keberlanjutan Sustainability Governance
Kinerja Keberlanjutan
Sustainability Performance
Di tahun 2021, PT U Finance Indonesia telah berubah nama menjadi PT Chailease Finance Indonesia (“Perusahaan”) memulai kembali persiapan dalam mencapai visi keuangan berkelanjutan menjadi Perusahaan Pembiayaan yang mendukung pertumbuhan ekonomi dan peduli akan bidang sosial dan ramah lingkungan, setelah dilakukannya perubahan kepemilikan Perusahaan melalui pengambilalihan, dan masih di tengah kondisi pandemi COVID-19.
In 2021 PT U Finance Indonesia which has changed its name to PT Chailease Finance Indonesia (the “Company”)
started again the preparations for achieving the vision of sustainable finance become a finance company that supports economic growth and cares about the social and environmentally friendly fields, after the changing of Company's
ownership through acquisition, and still in the midst of the COVID-19 pandemic.
Strategi Keberlanjutan
Sustainability Strategy
Laporan Keberlanjutan Perusahaan dibuat berdasarkan ketentuan Peraturan OJK No. 51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
Pelaksanaan kegiatan Keuangan Berkelanjutan di tahun 2021, tertunda dengan adanya proses perubahan kepemilikan Perusahaan melalui pengambilalihan terhitung sejak bulan Maret 2021 hingga September 2021 sehingga dilakukan menyesuaikan kondisi dan situasi Perusahaan, serta adanya ketentuan peraturan perundang-undangan terkait pencegahan penyebaran COVID-19 dan
penerapan Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM) di Indonesia, khususnya wilayah DKI Jakarta dan sekitarnya.
The Company's Sustainability Report is prepared based on the provisions of OJK Regulation No. 51/POJK.03/2017 concerning the Implementation of Sustainable Finance for Financial Services Institutions, Issuers and Public Companies.
The implementation of Sustainable Finance activities in 2021 has been delayed due to the process of changing the Company's ownership through acquisition from March 2021 to September 2021 then it was conducted according to the Company conditions and situation, as well as the provision of laws and regulations regarding the prevention of the spread of COVID-19 and the implementation of
Enforcement of Restrictions on Community Activities (PPKM) in Indonesia especially the DKI Jakarta area and its surroundings.
Ikhtisar Kinerja Aspek Keberlanjutan
Overview of Sustainability Aspects Performance
Perusahaan berusaha
mempertahankan kinerja yang baik dan beradaptasi dengan perubahan kondisi dan lingkungan usaha, agar dapat melanjutkan bisnis dan operasi yang stabil setelah proses perubahan kepemilikan Perusahaan melalui pengambilalihan ditengah pandemi COVID-19.
The Company strived to
maintain good performance and adapted to the changes in condition and the business environment, hence the Company could continue its business and stable operations after the process of changing the Company's ownership through acquisition in the midst of the COVID-19 pandemic.
Aspek Ekonomi Economic Aspect
Aspek Lingkungan Hidup Environmental Aspect
Kinerja Aspek Keberlanjutan Tahun 2021
Sustainability Aspect Performance Year 2021
Perusahaan mengalami penghematan dalam penggunaan energy akibat adanya pengurangan tenaga kerja dan penutupan seluruh kantor cabang dan kantor selain kantor cabang. Selain itu dalam situasi COVID-19 pandemi, Perusahaan tetap menekankan Gaya Hidup Sehat dan Perilaku Hidup Bersih dan Sehat (PHBS) di linkungan tempat kerja dengan melakukan himbauan kepada seluruh karyawan.
The Company experienced savings in energy use due to a reduction in workforce and the closure of all branch offices and offices other than branch offices. In addition, in the COVID-19 pandemic situation, the Company continues to emphasize a Healthy Lifestyle and Clean and Healthy Living Behavior (PHBS) in the workplace environment by appealing to the employees.
Aspek Sosial Social Aspect
Perusahaan tetap memprioritaskan kesehatan dan keselamatan karyawan beserta keluarganya dengan menerapkan sistem Work From Home (WFH) untuk melanjutkan operasi dalam kondisi PPKM untuk mencegah penyebaran COVID-19.
Pada semester pertama, Perusahaan melakukan pengalihan piutang pembiayaan kepada PT Adira Dinamika Multi Finance (Adira Finance) di bulan April 2021, Perusahaan berkoordinasi dengan Adira Finance memastikan proses pengalihan piutang pembiayaan tersebut mengutamakan hak dan kenyamanan para Debitur, sehingga proses pengalihan berjalan lancar tanpa adanya keluhan dari para Debitur.
Terdapat pemutusan hubungan kerja karyawan sehubungan dengan proses perubahan kepemilikan Perusahaan melalui pengambilalihan. Perusahaan telah memberikan penggantian yang layak kepada para karyawan, dan mengadakan Career Transition
The Company continued to prioritize the health and safety of employees and their families by implemented the Work From Home (WFH) system to continue operations under the conditions of PPKM to prevent the spread of COVID-19.
In the first semester, the Company conducted transferring financing receivables to PT Adira
Dinamika Multi Finance (Adira Finance) in April 2021, the Company coordinated with Adira Finance to ensure that the transfer of financing receivables prioritized the rights and convenience of the Debtors, so that the transfer process had been done smoothly without any complaints from the Debtors.
There was termination of employment of employees in connection with the process of changing the Company's ownership through acquisition. The Company has provided adequate compensation to employees, and conducted a Career Transition Program, U-Future Training by NBO.
Visi Keuangan Berkelanjutan adalah menjadi Perusahaan Pembiayaan yang mendukung pertumbuhan ekonomi dan peduli akan bidang sosial dan ramah lingkungan.
Misi Keuangan Berkelanjutan adalah menerapkan Keuangan Berkelanjutan dalam kegiatan usaha yang memperhatikan aspek ekonomi, sosial dan lingkungan hidup.
Nilai Keuangan Berkelanjutan adalah melayani melebihi ekspektasi, untuk pertumbuhan bersama dan berkelanjutan.
Tujuan Keuangan Berkelanjutan adalah mencapai visi keuangan berkelanjutan dengan melaksanakan secara bertahap kegiatan usaha pembiayaan yang mendukung pertumbuhan ekonomi berkelanjutan, berwawasan sosial dan peduli terhadap lingkungan hidup.
The vision of Sustainable Finance is to become Finance Company that supports economic growth and cares about the social and environmentally friendly fields.
The mission of Sustainable Finance is to apply Sustainable Finance in business activities, which concern to the economic, social, and environmental aspect.
The value of Sustainable Finance is serving beyond expectations, for growth together, and sustainable.
The aim of Sustainable Finance is to achieve the vision of Sustainable Finance by gradually implementing financing business activities that support the sustainable economic growth, has social perspective and care about the environment.
Profil Perusahaan
The Company’s Profile
+62-21-25096888 Telepon
Telephone
+62-21-25095870 Faksimil
Fax
www.chailease.co.id Situs Web
Website
PT Chailease Finance Indonesia
Alamat Kantor Pusat:
Wisma 46 Kota BNI lantai 28, Jl. Jend. Sudirman, Kav. 1, Jakarta 10220
Head Office Address:
Wisma 46 Kota BNI lantai 28, Jl. Jend. Sudirman, Kav. 1, Jakarta 10220
PT Chailease Finance Indonesia merupakan anggota dari Asosiasi Perusahaan Pembiayaan Indonesia
PT Chailease Finance Indonesia is a member of the
Indonesian Financial
Services Association. [email protected] Surel
Skala Usaha Business Scale
Skala usaha per 31 Desember 2021 Total aset atau kapitalisasi asset Rp. 268.113 juta.
Total kewajiban Rp. 26.181 juta.
Business Scale as per 31st December 2021
Total assets or asset capitalization IDR 268,113 million.
Total liabilities IDR 26,181 million.
Wilayah operasional Perusahaan:
The operations areas of the Company:
JABODETABEK.
Jumlah karyawan
berdasarkan jenis kelamin:
Number of employees based on sex:
Laki-laki: 48 Male
Perempuan: 16 Female
Persentase kepemilikan saham:
The percentage of shares ownership:
Chailease International Co. (Hong Kong), Ltd.: 85%
PT. Artha Sekawan Asia: 15%
Di tahun 2021 terdapat:
• Pengalihan piutang pembiayaan kepada Adira Finance.
• Perubahan kepemilikan Perusahaan melalui pengambilalihan oleh
Chailease International Co. (Hong
Kong), Ltd. dan PT. Artha Sekawan Asia.
In 2021, there were:
• Transfer of financing receivables to Adira Finance.
• Change of ownership of the Company through acquisition by Chailease
International Co. (Hong Kong), Ltd. and PT. Artha Sekawan Asia.
Jumlah karyawan berdasarkan jabatan:
Number of employees based on title:
Direksi: 4 BOD
Dewan Komisaris: 4 BOC
Manager: 1 Manager Penagihan: 9 Collection Pemasaran: 30 Marketing Lainnya: 24 Others Jumlah karyawan
berdasarkan Usia:
Number of employees based on age:
20 – 30: 14 31 – 40: 45 41 – 50: 5 51 – 60: 0 61 – 70: 0
Jumlah karyawan
berdasarkan Pendidikan:
Number of employees based on education:
SMA: 4
Senior High School Diploma: 11
Diploma Sarjana: 59 Bachelor
Jumlah karyawan berdasarkan Status:
Number of employees based on status:
Karyawan tetap: 16
Permanent employee
Karyawan kontrak: 48
Contract employee
Ruang Lingkup Kegiatan
Perusahaan
The scope of the Company
activities
Ruang Lingkup Kegiatan Perusahaan
Sesuai dengan Anggaran Dasar Perusahaan, ruang lingkup kegiatan Perusahaan adalah berusaha di bidang Perusahaan Pembiayaan Konvensional.
Perusahaan dapat melaksanakan kegiatan usaha sebagai berikut:
Menjalankan usaha di bidang Perusahaan Pembiayaan Konvensional, mencakup usaha perusahaan pembiayaan yang
diselenggarakan secara konvensional dengan kegiatan usaha meliputi pembiayaan barang dan/atau jasa, yaitu: Pembiayaan investasi;
pembiayaan modal kerja; pembiayaan multiguna dan/atau kegiatan usaha
pembiayaan lain berdasarkan persetujuan OJK. Selain kegiatan usaha tersebut,
perusahaan pembiayaan konvensional dalam kelompok ini dapat melakukan sewa operasi (operating lease) dan/atau kegiatan berbasis imbal jasa sepanjang tidak bertentangan dengan ketentuan peraturan perundang- undangan disektor jasa keuangan (KBLI 649111).
In accordance with the Company's Articles of Association, the scope of the Company activities is conduct business in the field of Conventional Financing Company.
The Company may implement the following business activities:
Implementing business in the field of Conventional Financing Companies, including conventionally held Financing companies with business activities covering the financing of goods and/or services, which are: Investment
financing; working capital financing;
multipurpose financing and/or other financing business activities based on OJK approval. In addition to these business activities, conventional finance companies in this group can perform operating leases and/or fee- based activities as long as does not conflict with the provisions of the laws and regulations in the financial services sector (KBLI 649111).
Tahun 2021, Perusahaan kembali melakukan tahap persiapan dalam mendukung penerapan keuangan berkelanjutan melalui pelaksanaan program- program sebagaimana telah ditetapkan dalam Rencana Aksi Keuangan Berkelanjutan (RAKB) dan penyusunan Laporan Keberlanjutan tahun 2021. RAKB merupakan komitmen kami dalam menjalankan kegiatan usaha Perusahaan yang sesuai dengan prinsip keuangan berkelanjutan.
Walaupun tertunda dan masih di tahap yang masih sangat awal sekali, kami berkeyakinan bahwa Perusahaan dalam mejalankan keuangan berkelanjutan kelak akan mampu mendukung pertumbuhan berkelanjutan yang menghasilkan keselarasan antara kepentingan ekonomi, sosial, dan lingkungan hidup.
COVID-19 masih merupakan isu yang tidak terhindarkan di tahun 2021.
Selain itu adanya proses perubahan kepemilikan Perusahaan melalui pengambilalihan terhitung sejak bulan Maret 2021 hingga September 2021 melalui serangkaian tahapan, sehingga Perusahaan fokus pada pemenuhan kewajiban dan tanggungjawab terhadap para pemangku kepentingan yang terkait, dan memenuhi ketentuan peraturan perundang-undangan yang berlaku terkait pelaksanaan pengambilalihan.
In 2021, the Company carried out again the preparation stage in supporting the implementation of sustainable finance through the implementation of the programs as stipulated in the Sustainable Finance Action Plan (RAKB) and the preparation of the 2021 Sustainability Report. RAKB is our commitment to carry out the Company's business activities in accordance with the sustainable finance principles.
Even though it's delayed and still at a very early stage, we believe that in implementing sustainable finance the Company's will be able to support sustainable growth that results a harmony between economic, social, and environmental interests. COVID-19 is still an inevitable issue in 2021.
In addition, there is a process of changing the Company's ownership through acquisition started from March 2021 to September 2021 through a series of stages, so that the Company focused on fulfilling its obligations and responsibilities to the relevant stakeholders and fulfilling the provisions of the laws and
regulations regarding the implementation of the acquisition.
Penjelasan dari Direksi
Statement from the Board of Directors
Dalam pelaksanaan tahapan proses pengambialihan hingga peralihan setelah pengambilalihan, secara tidak langsung Perusahaan telah menerapkan kegiatan keuangan keberlanjutan seperti:
• pengurangan penggunaan energi seperti listrik, air, dan lain-lain dengan adanya pengurangan kegiatan operasional termasuk penutupan kantor cabang dan kantor selain kantor cabang;
• pengurangan emisi kendaraan bermotor yang sangat berpengaruh terhadap lingkungan karena penerapan WFH bagi karyawan;
• pelaksanaan tanggungjawab dengan memberikan penggantian yang layak dan mengadakan Career Transition Program, U-Future Training oleh NBO kepada para karyawan yang dikenakan pemutusan hubungan kerja;
• memprioritaskan kesehatan dan keselamatan karyawan beserta keluarganya dengan menerapkan sistem WFH untuk melanjutkan operasi dalam kondisi PPKM untuk mencegah penyebaran COVID-19.
Setelah pelaksanaan pengambilalihan, Perusahaan dibawah kepemilikan saham yang baru memulai tahap persiapan aksi keuangan berkelanjutan, walaupun belum sepenuhnya terlaksana sesuai rencana, mengingat Perusahaan sedang fokus pada persiapan memulai kembali kegiatan usahanya.
In carried out the stages of the acquisition process until the transition after the acquisition, the Company had indirectly implemented sustainability financial activities such as:
• reduced the use of energy such as electricity, water, and others by reducing operational activities included the closured branch offices and offices other than branch offices;
• reduction of motor vehicle emissions which greatly affect the environment due to the implementation of WFH for employees;
• implementation of responsibilities by providing appropriate compensation and conducting Career Transition Program, U-Future Training by NBO for employees who were terminated;
• prioritized the health and safety of employees and their families by implemented the WFH system to continue operations under PPKM conditions to prevent the spread of COVID-19.
After the implementation of the acquisition, the Company under the new share ownership which had just started the preparation stage for sustainable financial action, although it had not been fully implemented according to plan, considering that the Company focused on the preparation to restart its business activities.
Penjelasan dari Direksi
Statement from the Board of Directors
1. Pembentukan kembali fungsi pengelola keuangan berkelanjutan setelah dilaksanakannya pengambilalihan Perusahaan dibawah kepemilikan pemegang saham baru; yaitu direncanakan sebagai bagian dari Departemen Planning. Dalam menerapkan kegiatan Keuangan Berkelanjutan, fungsi ini akan berkoordinasi dengan departemen-departemen terkait, sesuai RAKB. Penetapan tugas dan tanggungjawab serta petugas yang akan bertanggungjawab atas penerapan kegiatan Keuangan Berkelanjutan akan dilakukan di tahun 2022.
2. Adapun kegiatan edukasi internal sekaligus mengkomunikasikan rencana aksi keuangan
berkelanjutan meningkatkan kesadaran karyawan perusahaan mengenai keuangan berkelanjutan belum dapat terlaksana ditahun 2021 dikarenakan setelah pelaksanaan pengambilalihan,
Perusahaan fokus pada persiapan memulai kegiatan penjualan, termasuk persiapan SDM dan kelengkapan infrastruktur dengan tetap memprioritaskan kesehatan dan keselamatan karyawan di tengah kondisi pendemi COVID-19.
1. Re-establishment of the sustainable finance management function after the acquisition of the Company is carried out under the ownership of new shareholders, which was planned as part of the Planning Department. In implementing Sustainable Finance activities, this function will coordinate with relevant departments, according to the RAKB. The assignment of duties and responsibilities as well as officers who will be responsible for implementing Sustainable Finance activities will be carried out in 2022.
2. Internal education activities as well as communicating the sustainable finance action plan to increase the awareness of the Company's employees regarding sustainable finance could not be implemented in 2021 because after the acquisition, the Company focused on preparing to start sales activities,
including the preparation of human resources and complete infrastructure while prioritizing the health and safety of employees in the midst of the COVID-19 pandemic.
Penerapan Keuangan
Berkelanjutan
The Implementation of Sustainable
Finance
Tantangan:
Ditahap awal penerapan keuangan berkelanjutan setelah pengambilalihan, Perusahaan harus segera memulai kegiatan penjualan untuk memenuhi ketentuan Finance to Asset Ratio (FAR) minimum 40%, sebagaimana rencana pemenuhan yang telah disetujui oleh OJK, masih tengah kondisi pendemi COVID- 19.
Challenge:
In the early stages of implementing sustainable finance after the acquisition, the Company must immediately start sales activities to meet the minimum 40% Finance to Asset Ratio (FAR) requirements, as the fulfillment plan has been approved by the OJK, which is still in the middle of the COVID-19 pandemic.
Penerapan Keuangan
Berkelanjutan
The Implementation of Sustainable
Finance
1. hambatan yang ada adalah keterbatasan sumberdaya manusia dan Perusahaan harus segera memulai kegiatan penjualan untuk memenuhi ketentuan FAR.
2. program aksi serta rencana yang dilakukan untuk mengatasi tantangan dan
hambatan adalah dengan membuat kembali jadwal pelaksanaan sosialisasi/edukasi karyawan di kantor pusat, untuk meningkatkan kesadaran karyawan perusahaan mengenai keuangan berkelanjutan. Pelaksanaan sosialisasi/edukasi dijadwalkan kembali di tahun 2022.
3. mempersiapan tehnologi informasi yang ada untuk memudahkan pelaksanaan sosialisasi/edukasi tersebut.
4. pelaksanaan kegiatan Keuangan Berkelanjutan di tahun 2021, juga menyesuaikan kondisi dan situasi Perusahaan ditengah pendemi COVID-19, dan ketentuan peraturan perundang-undangan terkait pencegahan penyebaran COVID-19 dan penerapan PPKM.
1. The constraint was the existence of limited human resources, and the Company must immediately start sales activities to meet the provisions of the FAR.
2. Action programs and plans to overcome challenges and obstacles are to re-schedule the implementation of employee socialization/education at the head office, to increase awareness of the Company’s employees regarding sustainable finance. The
implementation of socialization/education is rescheduled for 2022.
3. prepared existing information technology to facilitate the implementation of the socialization/education.
4. Implementation of Sustainable Finance activities in 2021, also adjusting the Company's conditions and situation in the midst of the COVID-19, and the provisions of laws and regulations related to preventing the spread of COVID-19 and implementing PPKM.
Strategi pencapaian target
Target achievement
strategy
Uraian mengenai tugas dalam penerapan Keuangan Berkelanjutan:
Di tahun 2021 Direksi telah secara konsisten menjalankan Perusahaan dengan mewujudkan organisasi yang transparan, akuntabel, bertanggung jawab, independen, dan setara. Dewan Komisaris senantiasa memantau terselenggaranya prinsip tata kelola perusahaan yang baik pada seluruh jenjang organisasi sejalan dengan peraturan- peraturan yang berlaku.
Perusahaan merencanakan fungsi keuangan keberlanjutan sebagai bagian dari Departemen Planning. Dalam menerapkan kegiatan Keuangan Berkelanjutan, fungsi ini akan berkoordinasi dengan departemen-departemen terkait, sesuai RAKB.
Penetapan tugas dan tanggungjawab serta petugas yang akan bertanggungjawab atas penerapan kegiatan Keuangan Berkelanjutan akan dilakukan di tahun 2022, dikarenakan setelah pelaksanaan pengambilalihan, Perusahaan fokus pada persiapan memulai kegiatan penjualan untuk memenuhi ketentuan FAR.
Dalam melakukan tugasnya menerapkan keuangan berkelanjutan, menyusun RAKB dan menyusun laporan keberlanjutan, fungsi keuangan keberlanjutan akan
bekerjasama dengan divisi-divisi terkait seperti Departmen Risk Management, Departmen Compliance, Departmen Human Resources & General Affair, dan Departmen System dan IT. Fungsi keuangan keberlanjutan bertanggungjawab langsung kepada Direksi.
Penerapan keuangan berkelanjutan akan diawasi oleh Dewan Komisaris melalui laporan dalam Rapat Dewan Komisaris.
Tahun 2021 pelaksanaan program keuangan berkelanjutan sebagai langkah awal dari pelaksanaan kegiatan keuangan berkelanjutan belum dapat sepenuhnya terlaksana sesuai RAKB.
Description of duties in implementing Sustainable Finance:
In 2021 the Board of Directors had consistently run the Company by creating a transparent, accountable, responsible, independent, and fair organization. The Board of Commissioners always monitors the implementation of good corporate governance principles at all levels of the organization in line with the prevailing regulations.
The Company planned a sustainability finance function as part of the Planning Department. In implementing Sustainable Finance activities, this function will coordinate with relevant departments, according to the RAKB. The assignment of duties and responsibilities as well as officers who will be responsible for implementing Sustainable Finance activities will be carried out in 2022, because after the acquisition, the Company focused on preparing to start sales activities to comply with FAR requirements.
In carrying out its duties of implementing sustainable finance, compiling RAKB and compiling sustainability reports, the sustainability finance function will cooperate with related divisions such as the Risk Management Department, Compliance Department, Human Resources & General Affair Department, and System and IT Department. The sustainability finance function is directly responsible to the Board of Directors.
The implementation of sustainable finance will be supervised by the Board of Commissioners through reports in the Board of Commissioners' Meetings.
In 2021 the implementation of the sustainable finance program as the first step in implementing sustainable finance activities had not been fully implemented according to the RAKB.
Tata Kelola Keberlanjutan
Sustainability Governance
Penjelasan mengenai pengembangan kompetensi dalam penerapan Keuangan Berkelanjutan:
Realisasi kegiatan edukasi internal sekaligus mengkomunikasikan rencana aksi keuangan berkelanjutan meningkatkan kesadaran karyawan perusahaan mengenai keuangan berkelanjutan belum dapat terlaksana ditahun 2021 dikarenakan setelah pelaksanaan pengambilalihan, Perusahaan fokus pada persiapan memulai kegiatan penjualan, termasuk persiapan SDM dan kelengkapan infrastruktur dengan tetap memprioritaskan kesehatan dan keselamatan karyawan di tengah kondisi pendemi COVID-19.
Explanation of competency development in implementing Sustainable Finance:
The realization of internal education activities as well as communicating the sustainable finance action plan to increase the awareness of the Company’s employees regarding sustainable finance could not be implemented in 2021 because after the acquisition, the Company focused on preparing to start sales activities, including the preparation of human resources and complete infrastructure while
prioritizing the health and safety of employees in the midst of the COVID-19 pandemic.
Tata Kelola Keberlanjutan
Sustainability Governance
Penjelasan mengenai prosedur dalam mengidentifikasi, mengukur, memantau, dan mengendalikan risiko atas penerapan Keuangan Berkelanjutan terkait aspek ekonomi, sosial, dan Lingkungan Hidup:
Departemen Risk Management bertugas melakukan risk assessment setiap bulan untuk memastikan bahwa perusahaan memahami dinamika bisnis.
Hasil assessment dilaporkan kepada Direksi melalui Rapat Direksi dan juga dilaporkan kepada Dewan Komisaris melalui rapat Komite Risk Monitoring dan Rapat Dewan Komisaris.
Pada tahun 2021, Direksi telah mengelola peningkatan risiko eksternal dan internal sehubungan dengan pandemi COVID-19, serta berupaya untuk memenuhi ketentuan peraturan perundang-undangan yang harus dilakukan setelah pengambilalihan, yaitu:
1. mengutamakan keselamatan kerja dan kesehatan karyawan dari penyebaran virus corona;
2. memenuhi ketentuan otoritas terkait kegiatan dan dokumen yang harus dipenuhi setelah pelaksanaan pengambilalihan;
3. melakukan review terhadap kebijakan dan prosedur yang akan diimplementasikan setelah pengambilalihan;
4. memulai kegiatan penjualan untuk memenuhi ketentuan FAR.
Perusahaan berupaya untuk menjaga kinerja yang baik dan beradaptasi dengan perubahan lingkungan bisnis, agar dapat melanjutkan bisnis dan operasi yang stabil di bawah kepemilikan pemegang saham baru.
Explanation of the procedures for identifying, measuring, monitoring, and controlling risks for the implementation of Sustainable Finance related to economic, social and environmental aspects:
The Risk Management Department task conducted risk assessments every month to ensure that the Company understands the dynamics of the business.
The results of the assessment must be reported to the Board of Directors through the Board of Directors Meeting and reported to the Board of Commissioners through the Risk Monitoring Committee meeting and the Board of Commissioners Meeting.
In 2021, the Board of Directors had managed the increased external and internal risks related to the COVID-19 pandemic, as well as made efforts to comply with the provisions of laws and regulations that must be carried out after the acquisition, which are:
1. prioritized work safety and employee health from the spread of the corona virus;
2. complied with the provisions of the authorities related to activities and documents that must be fulfilled after the implementation of the acquisition;
3. reviewed the policies and procedures that will be implemented after the acquisition;
4. started sales activities to comply with FAR provisions.
The Company strived to maintain good performance and adapt to changes in the business environment, to continue its business and stable operations under new shareholder ownership.
Tata Kelola Keberlanjutan
Sustainability Governance
Penjelasan mengenai pemangku kepentingan yang meliputi keterlibatan pemangku kepentingan berdasarkan hasil penilaian (assessment) manajemen, RUPS, surat keputusan atau lainnya; dan pendekatan yang digunakan Perusahaan dalam melibatkan pemangku kepentingan:
Di tahun 2021 Perusahaan memprioritaskan kesehatan dan keselamatan karyawan beserta keluarganya dengan menerapkan sistem WFH untuk melanjutkan operasi dalam kondisi PPKM untuk mencegah penyebaran COVID-19.
Permasalahan yang dihadapi, perkembangan, dan pengaruh terhadap penerapan Keuangan Berkelanjutan:
Pandemi COVID-19 dengan semua dampaknya merupakan permasalahan yang harus dihadapi.
Pelaksanaan proses pengambilalihan Perusahaan juga merupakan upaya pemenuhan komposisi kepemilikan saham asing dan lokal sesuai ketentuan peraturan perundang-undangan.
Perusahaan memandang permasalahan dan perubahan yang terjadi sebagai titik balik untuk melakukan perbaikan dan mengoptimalkan penerapan Keuangan Berkelanjutan.
Explanation of the stakeholders which included the stakeholder involvement based on management assessment, GMS, decision letter or others; and the approach used by the Company in engaging stakeholders:
The Company continued to prioritize the health and safety of employees and their families by implemented the WFH system to continue operations under the conditions of PPKM to prevent the spread of COVID-19.
Problems faced, developments, and impacts on the implementation of Sustainable Finance:
The COVID-19 pandemic with all its effects is a problem that must be faced.
The implementation of the Company’s acquisition process was also an effort to fulfill the composition of foreign and local shareholdings in accordance with the provisions of laws and regulations. The
The Company viewed the problems and changes that occured as a turning point for making improvements and optimizing the implementation of Sustainable Finance.
Tata Kelola Keberlanjutan
Sustainability Governance
Kegiatan membangun budaya keberlanjutan di Perusahaan:
Di tahun 2021 kegiatan membangun budaya keberlanjutan belum sepenuhnya dilakukan. Perusahaan akan melakukan kegiatan berikut di tahun 2022.
1. menyiapkan SDM yang mampu memahami dan menerapkan prinsip-prinsip keuangan berkelanjutan terutama dalam mengintegrasikan risiko sosial dan lingkungan.
2. melakukan sosialisasi dan edukasi secara berkala khususnya kepada karyawan perusahaan dan pemangku kepentingan serta masyarakat pada umumnya untuk meningkatkan pemahaman prinsip keuangan berkelanjutan dan bagaimana penerapannya dalam kegiatan bisnis perusahaan.
Activities to build sustainability culture at Company:
The activities to build a culture of sustainability had not been fully carried out in 2021. The Company will carry out the following activities in 2022.
1. prepare human resources who able to understand and apply sustainable finance principles, especially in integrating social and environmental risks.
2. conduct regular socialization and education, especially to company employees and stakeholders as well as the public in general, to increase understanding of the principles of sustainable finance and how they apply to the company’s business activities
Tata Kelola Keberlanjutan
Sustainability Governance
Penjelasan mengenai kegiatan membangun budaya keberlanjutan di internal Perusahaan pada tahap awal penerapan Keuangan Berkelanjutan:
1. Perusahaan di bawah kepemilikan pemegang saham baru merencanakan pembentukan kembali fungsi pengelola keuangan berkelanjutan sebagai bagian dari Departemen Planning. Dalam menerapkan kegiatan Keuangan Berkelanjutan, fungsi ini akan berkoordinasi dengan departemen-
departemen terkait, sesuai RAKB. Penetapan tugas dan tanggungjawab serta petugas yang akan bertanggungjawab atas penerapan kegiatan Keuangan Berkelanjutan akan dilakukan di tahun 2022.
2. Kegiatan edukasi internal sekaligus mengkomunikasikan rencana aksi keuangan berkelanjutan meningkatkan kesadaran karyawan perusahaan mengenai keuangan berkelanjutan belum dapat terlaksana ditahun 2021 dikarenakan setelah pelaksanaan pengambilalihan, Perusahaan fokus pada persiapan memulai kegiatan penjualan, termasuk persiapan SDM dan kelengkapan infrastruktur dengan tetap memprioritaskan kesehatan dan keselamatan karyawan di tengah kondisi pendemi COVID-19.
Explanation of activities to build a culture of sustainability within the Company at the initial stage of implementing Sustainable Finance:
1. The Company under new shareholder ownership planned to re-establish the sustainable finance management function as part of the Planning Department. In implementing Sustainable Finance activities, this function will coordinate with relevant departments, according to the RAKB. The assignment of duties and responsibilities as well as officers who will be responsible for implementing Sustainable Finance activities will be carried out in 2022.
2. Internal education activities as well as communicating the sustainable finance action plan to increase the awareness of the Company's employees regarding sustainable finance could not be implemented in 2021 because after the acquisition, the Company focused on preparing to start sales activities, including the preparation of human resources and complete infrastructure while prioritizing the health and safety of employees in the midst of the COVID-19 pandemic.
Kinerja Keberlanjutan
Sustainability Performance
Uraian Kinerja Ekonomi 3 (tiga) Tahun Terakhir
Description of Economic Performance for the Last 3 (three) Years
Uraian mengenai kinerja ekonomi dalam 3 (tiga) tahun terakhir:
Dari 2018 Perusahaan berfokus pada profitabilitas dan kualitas serta meningkatkan kondisi aset melalui memperkuat proses akuisisi dan penyaringan untuk menghindari penerapan yang stagnant di pasar mobil yang stagnan dan
memperketat peantauan untuk menghindari terjadinya biaya kredit dari tahap awal. Di masa pandemi COVID-19 tahun 2020, Perusahaan melindungi kondisi A/R dengan mengoptimalkan kegiatan penagihan dan memanfaatkan Program Restrukturisasi. Di tahun 2021 terjadi proses pengambilalihan kepemilikan, yang kemudian dibawah
kepemilikan pemegang saham baru Perusahaan memulai kembali kegiatan penjualan, berfokus pada segmen mobil bekas.
Description of economic performance in the last 3 (three) years:
From 2018, the Company focused on profitability and quality and improved the asset condition through strengthening acquisition and screening process to avoid bad application in stagnant car market and tight monitoring to avoid
occurrence of credit cost from early stage. During the COVID-19 pandemic in 2020, Company protected A/R conditions by optimizing collection activities and utilizing the Restructuring Program. It was change of ownership through acquisition process happened, which then under the ownership of the new shareholders the Company restarted sales activities,
focusing on the used car segment.
Kinerja Sosial 3 (tiga) Tahun Terakhir
Social Performance for the Last 3 (three) Years
Kinerja sosial dalam 3 (tiga) tahun terakhir:
1. Perusahaan berkomitmen memberikan layanan atas produk dan/atau jasa yang setara kepada konsumen.
2. Dalam ketenagakerjaan; the Company berkomitment:
a. memberikan kesetaraan kesempatan bekerja dan tidak ada tenaga kerja paksa dan tenaga kerja anak.
b. memberikan remunerasi karyawan tetap sesuai ketentuan peraturan yang berlaku.
c. memberikan lingkungan bekerja yang layak dan aman bagi para karyawan. Di masa pandemi COVID-19 Perusahaan memprioritaskan kesehatan dan keselamatan karyawan dengan menerapkan sistem WFH untuk melanjutkan
operasional dalam kondisi PPKM.
d. memberikan penggantian yang layak dan mengadakan Career Transition Program, U-Future Training oleh NBO kepada para karyawan yang dikenakan pemutusan hubungan kerja.
Social performance in the last 3 (three) years:
1. The Company committed to provide services for equal products and / or services to consumers.
2. Regarding employment, the Company committed to:
a. provide equal employment opportunities and no forced labor and child labor.
b. provide permanent employee remuneration in accordance with the prevailing regulations.
c. provide a decent and safe work environment for employees. During the COVID-19 pandemic, the Company prioritized the health and safety of employees and their families by implementing the WFH system to continue operations in conditions of PPKM.
d. provide appropriate compensation and conduct Career Transition Program, U-Future Training by NBO for employees who
are subject to termination of employment.
Kinerja Sosial 3 (tiga) Tahun Terakhir
Social Performance for the Last 3 (three) Years
Masyarakat:
Perusahaan melakukan penutupan yang sesuai dengan ketentuan terkait perlindungan konsumen. Dimana Perusahaan telah melakukan pemberi tahuan dan memastikan tidak terdapat keluhan dari konsumen dalam masa peralihan piutang Pembiayaan dari Perusahaan kepada Adira Finance.
Di tahun 2021 Perusahaan menunda kegiatan literasi dengan memberikan edukasi kepada masyarakat terkait produk keuangan namun telah menyampaikan jadwal rencana kegiatan yang baru untuk tahun 2022. Perusahaan menerapkan program inklusi berupa pemberian voucher belanja untuk perluasan jaringan kerjasama dengan dealer-dealer mobil yang telah menandatangani kontrak kerjasama.
Perusahaan memiliki Unit Pelayanan Pengaduan Nasabah. Unit ini menangani kasus Pengaduan Nasabah secara tepat dan dilaporkan ke Otoritas Jasa Keuangan secara berkala.
Public:
The Company conducts closures in accordance with the provisions related to consumer protection. Where the Company has notified and ensured that there are no complaints from consumers during the transfer of financing receivables from the Company to Adira Finance.
In 2021 the Company postponed literacy activities by educating the public regarding financial products but has submitted a new schedule of activities for 2022. The Company implemented an inclusion program in the form of providing shopping vouchers to expand cooperation networks with car dealers who have signed contracts cooperation.
The Company has a Customer Complaints Service Unit. This unit handles Customer Complaint cases appropriately and is reported to the Financial Services Authority on a regular basis.
Kinerja Lingkungan Hidup:
Secara tidak langsung Perusahaan telah melakukan:
1. pengurangan penggunaan energi seperti listrik, air, dan lain-lain dengan adanya pengurangan kegiatan operasional termasuk penutupan kantor cabang dan kantor selain kantor cabang;
2. pengurangan emisi kendaraan bermotor yang sangat berpengaruh terhadap lingkungan karena penerapan WFH bagi karyawan.
Environmental Performance:
Indirectly, the Company had carried out:
1. reduced the use of energy such as electricity, water, and others by reducing operational activities included the closured branch offices and offices other than branch offices;
2. reduced motor vehicle emissions which greatly affect the environment due to the implementation of WFH for employees.
