INTEGRITY . ACCOUNTABILITY . TRANSPARENCY
LAPORAN TAHUNAN 2008 ANNUAL REPORT
INTEGRITY
Integrity
defines the perceived consistency of actions, values, methods, measures and principles.
Integrity requires three steps: (1) discerning what is right and what is wrong; (2) acting on what you
have discerned, even at personal cost; and (3) saying openly that you are acting on your understanding
of right from wrong.
A company’s desire to have a good ethical reputation characterizes the compliance mode; the focus is
a rule-based approach to ethics. In the integrity mode, the firm becomes proactive in the promotion of ethical
Laporan Tahunan 2008 Annual Report
Profil Perusahaan Corporate Profile
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
PT Wahana Ottomitra Multiartha Tbk Lorem ipsum dolor sit amet, consectetuer
adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
3
1 2
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Laporan Tahunan 2008 Annual Report
Visi
Menjadi salah satu perusahaan konsumen terbaik di Indonesia
Misi
1. Mengutamakan kepuasan pelanggan dan mitra kerja lainnya.
2. Membangun kepercayaan dunia perbankan. 3. Pengembangan dan perluasan jaringan usaha, terutama di daerah potensial.
4. Mengoptimalkan kinerja perusahaan.
Visi, Misi dan Nilai - nilai perusahaan Company`s Vission, Mission and Values
Vission
To be one of the best consumer financing compa-ny in Indonesia with good corporate governance.
Mission
1. Prioritize customers’ and business partners’ satisfaction.
2. Establishing IT manufacturing in order to perform “good processing”.
3. Develop and expand business networking, especially in highly potential areas. 4. Optimize Company’s performance.
4
“ AFFECTION “
Appreciation - Family Feeling - Enthusiasm - Creativity - Trustworthy - DeterminatION
Penghargaan - Rasa Kekeluargaan - Antusiaisme - Kreatifitas - Dapat Dipercaya - Ketetapan Hati
Learning, Sharing & Coaching
Belajar, Berbagi dan Melatih
Nilai - nilai
Budaya
Values
PT Wahana Ottomitra Multiartha Tbk
Sekilas 2008 2008 Highlights
Sambutan Presiden Komisaris Message from President Commisioner
Laporan Tahunan 2008 Annual Report 6
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh
euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad
minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip
ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in
vulpu-tate velit esse molestie consequat, vel illum dolore eu feugiat .
Robbyanto Budiman Presiden Komisaris President Commisioner
Laporan Tahunan 2008 Annual Report 8 1 2 3 Robbyanto Budiman Presiden Komisaris President Commisioner Rita Mas`Oen
Wakil Presiden Komisaris
Vice President Commicioner
Sanjay Kapoor
Komisaris
Commicioner
Robbyanto Budiman Presiden Komisaris
Robbyanto Budiman menjadi Komisaris di WOM Finance sejak tahun 1997 hingga sekarang. Sejak tahun 1993 sampai sekarang Robbyanto menjabat sebagai Direktur Utama PT Wahana Makmur Sejati, main dealer sepeda motor Honda untuk wilayah Jakarta dan Tangerang. Robbyanto juga menjabat sebagai komisaris dan direksi di perusahaan lain dalam Grup Wahana Artha. Kelahiran tahun 1967 ini mulai bekerja untuk Citibank NA, Jakar-ta, dengan posisi terakhir sebagai Asset Services Unit Head, setelah meraih BSc dari University of Southern California, USA pada tahun 1987 dan MBA dari Northrop University, USA pada tahun 1989.
Rita Mas’Oen
Wakil Presiden Komisaris
Peraih BSc dari Arizona State University, USA ini ber-gabung sebagai Komisaris WOM Finance pada perten-gahan tahun 2005. Berkarir sejak tahun 1984 di Ari-zona, USA, pada tahun 1985, Rita kembali ke Jakarta dan memilih dunia perbankan. Sebagai rintisan karir perbankannya, Rita bergabung dengan Citibank NA se-lama hampir 20 tahun di bagian teknologi, pemasaran dan terakhir sebagai Senior Country Operation Officer membawahi bagian operasional dan teknologi. Di tahun 2005, Rita bergabung dengan PT Bank Internasional In-donesia, Tbk. sebagai Chief Operation Officer, Executive Management dan kemudian telah diangkat menjadi Direktur Operations & Technology pada tahun 2007. Sanjay Kapoor
Commissioner
An Indian citizen. He has been a Commissioner of WOM Finance since March 2007. He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Bank-ing for over 20 years and has strong management back-ground and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for busi-ness development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics.
Robbyanto Budiman Presiden Komisaris
Robbyanto Budiman menjadi Komisaris di WOM Finance sejak tahun 1997 hingga sekarang. Sejak tahun 1993 sampai sekarang Robbyanto menjabat sebagai Direktur Utama PT Wahana Makmur Sejati, main dealer sepeda motor Honda untuk wilayah Jakarta dan Tangerang. Robbyanto juga menjabat sebagai komisaris dan direksi di perusahaan lain dalam Grup Wahana Artha. Kelahiran tahun 1967 ini mulai bekerja untuk Citibank NA, Jakar-ta, dengan posisi terakhir sebagai Asset Services Unit Head, setelah meraih BSc dari University of Southern California, USA pada tahun 1987 dan MBA dari Northrop University, USA pada tahun 1989.
Rita Mas’Oen
Wakil Presiden Komisaris
Peraih BSc dari Arizona State University, USA ini ber-gabung sebagai Komisaris WOM Finance pada perten-gahan tahun 2005. Berkarir sejak tahun 1984 di Ari-zona, USA, pada tahun 1985, Rita kembali ke Jakarta dan memilih dunia perbankan. Sebagai rintisan karir perbankannya, Rita bergabung dengan Citibank NA se-lama hampir 20 tahun di bagian teknologi, pemasaran dan terakhir sebagai Senior Country Operation Officer membawahi bagian operasional dan teknologi. Di tahun 2005, Rita bergabung dengan PT Bank Internasional In-donesia, Tbk. sebagai Chief Operation Officer, Executive Management dan kemudian telah diangkat menjadi Direktur Operations & Technology pada tahun 2007. Sanjay Kapoor
Commissioner
An Indian citizen. He has been a Commissioner of WOM Finance since March 2007. He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Bank-ing for over 20 years and has strong management back-ground and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for busi-ness development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics.
PT Wahana Ottomitra Multiartha Tbk 9 PT Wahana Ottomitra Multiartha Tbk 11
4 5 6 Mahendra Wardhana Komisaris Independen Independent Commicioner I Nyoman Tjager Komisaris Commicioner Garibaldi Thohir Komisaris Commicioner Mahendra Wardhana Komisaris Independen
Mahendra Wardhana kelahiran tahun 1959 ini menjabat sebagai Komisaris Independen WOM Finance sejak ta-hun 2006. Sebelum bergabung dengan WOM, Mahen-dra pernah menjabat Direktur Kredit di PT. Bank PDFCI, Tbk. dan PT. Bank Danamon Indonesia, Tbk. Meraih ge-lar MBA di bidang Corporate Finance dari University of Southern California, USA tahun 1987, saat ini Mahendra juga menjabat sebagai Portfolio Manager di PT Global Consulting Indonesia.
Garibaldi Thohir Komisaris
Garibaldi Thohir kelahiran tahun 1965 ini menjadi Komisaris di WOM Finance sejak tahun 2003 hingga sekarang. Tahun 2004 tercatat sebagai Presiden Komisa-ris. Selain di WOM Finance, Garibaldi Thohir peraih gelar BSc dari University of Southern California, USA tahun 1988 dan MBA dari Northrop University, USA tahun 1989, saat ini menjabat sebagai Presiden Direktur PT Adaro Energy, Tbk. dan juga aktif memimpin dan men-jalankan berbagai perusahaan yang bergerak di bidang pertambangan, properti, dan food industry.
I Nyoman Tjager Commissioner
An Indian citizen. He has been a Commissioner of WOM Finance since March 2007. He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Bank-ing for over 20 years and has strong management back-ground and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for busi-ness development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics.
Mahendra Wardhana Komisaris Independen
Mahendra Wardhana kelahiran tahun 1959 ini menjabat sebagai Komisaris Independen WOM Finance sejak ta-hun 2006. Sebelum bergabung dengan WOM, Mahen-dra pernah menjabat Direktur Kredit di PT. Bank PDFCI, Tbk. dan PT. Bank Danamon Indonesia, Tbk. Meraih ge-lar MBA di bidang Corporate Finance dari University of Southern California, USA tahun 1987, saat ini Mahendra juga menjabat sebagai Portfolio Manager di PT Global Consulting Indonesia.
Garibaldi Thohir Komisaris
Garibaldi Thohir kelahiran tahun 1965 ini menjadi Komisaris di WOM Finance sejak tahun 2003 hingga sekarang. Tahun 2004 tercatat sebagai Presiden Komisa-ris. Selain di WOM Finance, Garibaldi Thohir peraih gelar BSc dari University of Southern California, USA tahun 1988 dan MBA dari Northrop University, USA tahun 1989, saat ini menjabat sebagai Presiden Direktur PT Adaro Energy, Tbk. dan juga aktif memimpin dan men-jalankan berbagai perusahaan yang bergerak di bidang pertambangan, properti, dan food industry.
I Nyoman Tjager Commissioner
An Indian citizen. He has been a Commissioner of WOM Finance since March 2007. He is also a Director at PT Bank Internasional Indonesia, Tbk. (BII). He has been in Bank-ing for over 20 years and has strong management back-ground and in-depth Consumer Banking experience with Global and Country roles with Standard Chartered Bank in Asia and USA. Prior to joining BII in April 2004, he was the Head of Advisory and Investment Products with Standard Chartered Bank, Singapore at their Global Consumer Banking Headquarters responsible for busi-ness development and product management across countries in Asia. Prior to that he has held number of senior country roles in India and USA in varied areas like Consumer Banking, Treasury, Operations and Trade Finance. He is a Chartered Accountant and also holds Bachelor of Arts (Honors) degree in Economics.
Laporan Tahunan 2008 Annual Report 10
Sambutan Presiden Direktur Message from President Director
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh
euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad
minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip
ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in
vulpu-tate velit esse molestie consequat, vel illum dolore eu feugiat .
PT Wahana Ottomitra Multiartha Tbk 11 Suwandi Wiratno
Presiden Direktur President Director
Laporan Tahunan 2008 Annual Report 12 1 2 3 Alex Hermanto Direktur Keuangan Finance Director Simon Tan Direktur Pemasaran Marketing Director Suwandi Wiratno Presiden Direktur President Director
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
4 5 Dewi A. Sah Bandar
Direktur Operasional Operation Director
Jenny Tjandra
Direktur Manajemen Risiko
Risk Management Director
Suwandi Wiratno Presiden Direktur
Kelahiran tahun 1963, Suwandi menduduki posisi Presi-den Direktur di WOM Finance sejak bulan Juli 2007. Set-elah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bi-dang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coo-pers FAS, sebelum bergabung dengan BII Group pada bulan Juli 2005.
Alex Hermanto Direktur Keuangan
Kelahiran tahun 1971 ini meraih gelar Master of Interna-tional Management dalam bidang InternaInterna-tional Finance dari Thunderbird, The American Graduate School of In-ternational Management, Arizona, USA tahun 1997. Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presi-den Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember 2007. Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan
Direktur Pemasaran
Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak ta-hun 1992. Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance.
Suwandi Wiratno Presiden Direktur
Kelahiran tahun 1963, Suwandi menduduki posisi Presi-den Direktur di WOM Finance sejak bulan Juli 2007. Set-elah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bi-dang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coo-pers FAS, sebelum bergabung dengan BII Group pada bulan Juli 2005.
Alex Hermanto Direktur Keuangan
Kelahiran tahun 1971 ini meraih gelar Master of Interna-tional Management dalam bidang InternaInterna-tional Finance dari Thunderbird, The American Graduate School of In-ternational Management, Arizona, USA tahun 1997. Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presi-den Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember 2007. Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan
Direktur Pemasaran
Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak ta-hun 1992. Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance.
Laporan Tahunan 2008 Annual Report 14
Suwandi Wiratno Presiden Direktur
Kelahiran tahun 1963, Suwandi menduduki posisi Presi-den Direktur di WOM Finance sejak bulan Juli 2007. Set-elah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bi-dang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coo-pers FAS, sebelum bergabung dengan BII Group pada bulan Juli 2005.
Alex Hermanto Direktur Keuangan
Kelahiran tahun 1971 ini meraih gelar Master of Interna-tional Management dalam bidang InternaInterna-tional Finance dari Thunderbird, The American Graduate School of In-ternational Management, Arizona, USA tahun 1997. Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presi-den Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember 2007. Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan
Direktur Pemasaran
Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak ta-hun 1992. Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance.
Suwandi Wiratno Presiden Direktur
Kelahiran tahun 1963, Suwandi menduduki posisi Presi-den Direktur di WOM Finance sejak bulan Juli 2007. Set-elah meraih gelar Master of Bussiness Administration dalam bidang keuangan dari Golden Gate University, San Fransisco, USA tahun 1987, Suwandi berkarir di bi-dang keuangan pada berbagai perusahaan nasional dan internasional diantaranya PT Orix Indonesia Finance, PT Clipan Finance Indonesia, Tamara Bank, dan terakhir menduduki posisi Direktur di PT Pricewaterhouse Coo-pers FAS, sebelum bergabung dengan BII Group pada bulan Juli 2005.
Alex Hermanto Direktur Keuangan
Kelahiran tahun 1971 ini meraih gelar Master of Interna-tional Management dalam bidang InternaInterna-tional Finance dari Thunderbird, The American Graduate School of In-ternational Management, Arizona, USA tahun 1997. Alex berkarir di perusahaan akuntan publik dan perusahaan pembiayaan hingga terakhir menjabat sebagai Presi-den Direktur PT BII Finance Center sebelum akhirnya bergabung sebagai Deputi Direktur Finance di WOM Finance pada bulan Desember 2007. Maret 2008, Alex menduduki posisi Direktur Keuangan WOM Finance. Simon Tan
Direktur Pemasaran
Meraih gelar Sarjana Ekonomi dari Universitas Kristen Satyawacana, Salatiga tahun 1991, kelahiran tahun 1970 ini konsisten berkarir di bidang marketing sejak ta-hun 1992. Sebelum akhirnya bergabung dengan WOM Finance pada bulan September 2007 sebagai Deputi Direktur Marketing, Simon menduduki posisi sebagai Kepala Wilayah HSO Semarang. Maret 2008, Simon menduduki posisi Direktur Pemasaran WOM Finance.
ACCOUNTABILITY
Accountability
is a concept in ethics with several meanings.
It is often used synonymously with such concepts as responsibility, answerability,
enforcement, blameworthiness, liability and other terms associated with
the expectation of account-giving.
In leadership roles, accountability is the acknowledgment and assumption of
responsibility for actions, products, decisions, and policies including the administration, governance and
imple-mentation within the scope of the role or employment position and encompassing the obligation to report,
Laporan Tahunan 2008 Annual Report 16
Laporan Tahunan 2008 Annual Report 18
Pengembangan Bisnis dan Strategi Usaha Business Development and Strategy
Laporan Tahunan 2008 Annual Report 20
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh
euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad
minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip
ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in
vulpu-tate velit esse molestie consequat, vel illum dolore eu feugiat .
PT Wahana Ottomitra Multiartha Tbk 20 Lorem ipsum dolor sit amet, consectetuer
adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium
Laporan Tahunan 2008 Annual Report 2
Sumber Daya Manusia Human Resources Development
Laporan Tahunan 2008 Annual Report 22
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh
euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad
minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip
ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in
vulpu-tate velit esse molestie consequat, vel illum dolore eu feugiat .
Laporan Tahunan 2008 Annual Report 2 Laporan Tahunan 2008 Annual Report 24
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
PT Wahana Ottomitra Multiartha Tbk 25
Tata Kelola Perusahaan Good Corporate Governance
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh
euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad
minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip
ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Laporan Tahunan 2008 Annual Report 2 Laporan Tahunan 2008 Annual Report 28
Tata Kelola Perusahaan
Good Corporate Governance
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
PT Wahana Ottomitra Multiartha Tbk 29 Lorem ipsum dolor sit amet, consectetuer
adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh
euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad
minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip
ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptat-um zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis ele-ifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dy-namicus, qui sequitur mutationem consuetudium lectorum. Mirum est notare quam littera gothica, quam nunc putamus parum claram, anteposuerit litterarum formas humanitatis per seacula quarta decima et quinta decima. Eodem modo typi, qui nunc nobis videntur parum clari, fiant sollemnes in futurum.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh
euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad
minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip
ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in
vulpu-tate velit esse molestie consequat, vel illum dolore eu feugiat .
Laporan Tahunan 2008 Annual Report 2 Laporan Tahunan 2008 Annual Report 30
TRANSPARENCY
Accountability
is a concept in ethics with several meanings.
It is often used synonymously with such concepts as responsibility, answerability,
enforcement, blameworthiness, liability and other terms associated with
the expectation of account-giving.
In leadership roles, accountability is the acknowledgment and assumption of
responsibility for actions, products, decisions, and policies including the administration,
governance and implementation within the scope of the role or employment position
and encompassing the obligation to report, explain and be answerable for resulting
Mahendra Wardhana Komisaris Independen Independent Commicioner I Nyoman Tjager Komisaris Commicioner Garibaldi Thohir Komisaris Commicioner Sanjay Kapoor Komisaris Commicioner Alex Hermanto Direktur Keuangan Finance Director
Dewi A. Sah Bandar
Direktur Operasional Operation Director
Jenny Tjandra
Direktur Manajemen Risiko
Risk Management Director
Simon Tan Direktur Pemasaran Marketing Director Suwandi Wiratno Presiden Direktur President Director Robbyanto Budiman Presiden Komisaris President Commisioner Rita Mas`Oen
Wakil Presiden Komisaris
Vice President Commicioner
Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent
luptat-Lorem ipsum dolor sit amet, consectetuer adipi-scing elit, sed diam nonummy nibh euismod tinci-dunt ut laoreet dolore magna aliquam erat volut-pat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent
luptat-Dewan Komisaris
Board of Commisioner
Dewan Direksi Board of Director
Laporan Tahunan 2008 Annual Report 2 Laporan Tahunan 2008 Annual Report 30
Halaman Audited Report
1 - 69
Halaman Audited Report
1 - 69
PT Wahana Ottomitra Multiartha Tbk ii
Struktur Organisasi
Jakarta
Ruko Kantor Mega Glodok Kemayoran Blok C-7 Kota Baru Bandar Kemayoran
Ciputat Gedung Wahana Lt. 3, Jln. Ir. H. Juanda No. 43,
Ciputat, Jakarta Selatan
Daan Mogot Jln. Raya Daan Mogot Km 14 Blok A No. 6,
Kalideres, Jakarta Barat
Rawamangun Jln. Pemuda No. 297 A, Rawamangun,
Jakarta Timur
DS Gd. Sarana Penjaminan Lt. 9 Jl. Angkasa Blok B
9 Kav. 6 Kota Baru Bandar Kemayoran
WOM DS2 Jln. Benyamin Suef, Ruko Apartemen Palazo
Blok A 32, Kemayoran, Jakarta Pusat
WOM DS5 Komplek Ruko Ciputat Indah Permai E 11, Jln.
Ir. H. Juanda, Ciputat, Tangerang
WOM DS7 Komplek Ruko Kencana Sakti, Jln. Daan Mogot
Km 14,5 No 6B, Jakarta Barat
Tangerang dan Serang
Ruko Kantor Mega Glodok Kemayoran Blok C-7 Kota Baru Bandar Kemayoran
Mauk Jl. Raya Moch. Toha Km. 2 No. 38 B - C Mauk
Tangerang
Cikupa Perumahan Citra Raya, Ruko Bellini Blok B 10 A
No.15-16 R
Ciledug Jln. HOS Cokroaminoto No. 30 GH Karang
Tengah, Ciledug, Tangerang
Rangkas Bitung Jl. Raya Rangkas Pandeglang Komplek Ruko
Mandala No. 35Kadu Agung Timur Cibadak Lebak 42311
Serang Jln. Raya Cilegon, Ruko Titan Arum Blok E,
Legok Drangong Taktakan
Tangerang Jln. Raya Serpong Km 6, Tangerang, Banten
(Depan RS Asshobirin)
WOM DS3 Jln. Raya Boulevard Gd. Serpong Ruko 5 th
Avenue Blok A No. 6, Serpong, Tangerang
Bogor dan Bekasi
Ruko Kantor Mega Glodok Kemayoran Blok C-7 Kota Baru Bandar Kemayoran
Bekasi I Jln. Jend. Sudirman No.99 Kranji Bekasi Barat
(Depan Grand Mall)
Bogor Jln. Pajajaran No. 87 A-B, Bantar Jati,
Bogor Utara, Jawa Barat
Cianjur Jln. Barisan Banten, Ruko Pasar Baru No. 114, Cianjur, Jawa Barat
Cikarang Jln. Yos Sudarso No. 9 Cikarang (Gd. BPR
Cikarang Raharja), Bekasi
Cileungsi Jln. Raya Cileungsi Jonggol Km 1 No. 91-92,
Cileungsi, Bogor
Depok Jln. Margonda Raya No. 295 A-B Depok
Sukabumi Jln. Otista Raya No. 95 Nabggeleng, Citamiang, Sukabumi, Jawa Barat
Jawa Barat
Jln. Peta No. 19-21 Bandung
Karawang Jln. Interchange Karawang Barat, Rukan Karawang Hijau Blok B-10
Bandung 1 Jln. Buah Batu No. 146, Bandung, Jawa Barat
Bandung 2 Jln. Peta No. 19-21 Bandung
Cirebon Jln. Dr. Cipto Mangunkusumo No. 115, Cirebon
Garut Jln.Ciledug No.249 Kel Kota Kulon Kec Garut
Kota Garut
Jatibarang Jl.Kongsi Jaya Widasari No.17 Jatibarang
Indramayu
Subang Jln. Otto Iskandardinata No. 6, Subang,
Jawa Barat
Sumedang Jl.Prabu Gajah Agung No.118 Sumedang
Tasik Jln. Martadinata No. 134, Tasikmalaya,
Jawa Barat
Kuningan Jln. Jend. Sudirman Komp. Ruko II No. 2 Kuningan
Purwakarta Jl Ahmad Yani No.79A Cipaisan RT.13/04 Cipaisan Purwakarta
Padalarang Jln. Panaris Depan No. 53 Padalarang
Jawa Tengah
Jln.Hayam Wuruk No. 21A, Yogyakarta
Brebes Jln. RA Kartini No. 26, Ketanggungan,
Brebes, Jawa Tengah
Pekalongan Jln. Diponegoro No. 43 C-D Pekalongan
Pemalang Jln. Urip Sumoharjo 32, Pemalang, Jawa Tengah
Tegal Jln. MT. Haryono No. 17 Tegal, Jawa Tengah
Cilacap Jln. Gatot Subroto No. 57, Cilacap, Jawa Tengah Klaten Jln. Pemuda No. 124, Klaten, Jawa Tengah
Kudus Jln. AKBP R. Ragil Kusumadya No. 26-28, Jati
Kudus
Magelang Jln. Gatot Subroto No. 36 D, Magelang, Jawa Tengah
Purwodadi Jl. MT. Haryono No. 34, Purwodadi, Jawa Tengah
Purwokerto Jln. Jendral Sudirman No. 721, Purwokerto,
Jawa Tengah
Salatiga Jln. Taman Makam Pahlawan 32 H Salatiga
Semarang Jln. DI. Panjaitan No. 46, Kampung Kali,
Semarang, Jawa Tengah
Solo II Ruko Beteng, Jln. Kyai Gede Blok C 1-2,
Beteng Solo
Wonogiri Jln. A. Yani 156 Giripuro Wonogiri, Jawa Tengah
Yogyakarta Jln. HOS Cokroaminoto No. 162 A, Yogyakarta
Jawa Timur
Jln. Jawa No. 27 Surabaya
Banjarmasin Jln. A. Yani Km 4 No. 21 Rt 033, Banjarmasin
Banyuwangi Jln. DI Panjaitan 15 Ds. Lateng, Banyuwangi, Jawa Timur
Blitar Jln. Anjasmoro No. 47 Kel. Kepanjenlor, Kec. Kepanjen Kidul, Blitar, Jawa Timur Bojonegoro Jln. Untung Suropati No. 150, Bojonegoro Gresik Jln. Panglima Sudirman No. 25 Gresik,
Jawa Timur
Jember Km Siddiq, Graha Puri Niaga Kav. 3, Rt 001/Rw 008, Lingkungan Kulon Pasar, Jember
Jombang Komp. Pertokoan Simpang Tiga D-1, Jln. Merdeka, Jombang, Jawa Timur
Kediri Jln. Kapten Tendean 178 B, Ngronggo,
Kediri
Data Cabang
Branch
Laporan Tahunan 2008 Annual Report 2 Laporan Tahunan 2008 Annual Report iii
Cabang Kantor Inti
Madiun Jln. Setia Budi No. 51-53 Mojorejo, Taman, Madiun
Malang Jln. Letjen S. Parman No. 56 Kav. A3,
Malang, Jawa Timur
Mojokerto Jln. Mojopahit No. 448/450 Kranggan,
Prajurit Kulon, Mojokerto, Jawa Timur
Nganjuk Jln. A. Yani No. 352, Nganjuk, Jawa Timur Pasuruan Jln. Panglima Sudirman No. 14D
Pasuruan, Kel. Purworejo, Kec. Purworejo, Pasuruan
Samarinda Kompleks Pertokoan Mall Lembuswana
Blok D No. 12, Jln. S Parman, Samarinda
Sidoarjo Ruko Central Jenggolo A1-A2,
Jln. Jenggolo No. 9
Surabaya Komp. Ruko Mega Galaxi, Jln. Kertajaya
Indah Timur 16 B No. 1-2, Surabaya
Tuban Jln. Basuki Rahmad No. 240, Tuban
Tulung Agung Jln. I Gusti Ngurah Rai No. 104, Tulungagung, Jawa Timur
Sumatra Utara
Komp. Multatuli Raya, Jln. Mutatuli Blok FF No. 32-33, Medan
Batam Jln. Laksamana Bintan Komp.
Bintang Mas Blok D No. 2-3, Sungai Panas, Batam Centre
Binjai Jln. Soekarna Hatta No. 4/6, Binjai,
Sumatra Utara
Kerinci Jln. Lintas Timur Pangkalan Kerinci, Kab. Pelalawan, Riau
Kisaran Jln. HOS Cokroaminoto No. 181&181 A,
Kisaran
Lubuk Pakam Jln. Sutomo No. 7 G, Lubuk Pakam
Medan Jln. Gaharu No. 1 EF, Medan Timur,
Medan
Padang Jln. Diponegoro No. 17 E, Padang,
Sumatra Barat
Pekan Baru Jln. Tuanku Tambusai No. 790 A-B,
Pekan Baru, Riau
Perawang Jln. Raya Perawang Km 5.5 No. 4, Kec. Perawang, Kab. Siak, Riau Siak Jln. Sultan Syarif Kasim Siak
(Restoran Setia Wangsa)
Tanjung Pinang Jln. Brigjen Katamso 58 Km 2,
Tanjung Pinang
Jl. Sudirman No. 71 (Depan RS IBNU Sina), Ujung Batu, Kabupaten Rokan Hulu, Riau
Duri Jl. Hang Tua Dpn RS Berasalin
Rantau Prapat Jl. MH Thamrin No. 4, Rantau Prapat
Sumatra Selatan
Jln. Jend. Sudirman No. 3010 C Kec. Ilir Timur, Palembang (Depan RSU M. Hoesin)
Baturaja Jl.Dr. Moh Hatta/ Jln Lintas Kel. Sukaraya Baturaja Sumsel
Betung Jln. Palembang_Betung Lk. III Rt 27 Kel. Rimba Asam Betung - Banyuasin
Jambi Jl. Jend. Sudirman No. 11-13 Rt 24
Kel. Tambak Sari, Kec. Jambi Selatan
Kayu Agung Jln. Letnan Muhtar Saleh, Kayu Agung (Sebelah Bank BNI)
Lampung Jln. Raya Teuku Umar No. 3E,
Kel. Surabaya, Kec. Kedaton B Lampung
Palembang Jln. Jend. Sudirman No. 3010 C
Kec. Ilir Timur, Palembang (Depan RSU M. Hoesin)
Prabumulih Jln. Jend. Sudirman No. 28D
Kel. Tugu Kecil, Prabumulih Timur (Depan SPBU Tengah Kota)
Bengkulu Jln. Ahmad Yani No. 15B, Rt 08, Rw 03,
Kapung Bengkulu (Depan Bank Mandiri Cab. Ahmad Yani, Bengkulu)
Lubuk Linggau Jl. Yos Sudarso RT.06 Kel. Taba Jemekeh,
Kec. Lubuk Linggau Timur I, Lubuk Linggau (Depan POM Bensin Taba Jemekeh)-31625
Bali dan Nusa Tenggara
Rukan Niti Mandala Raya No. 11, Jln. Raya Puputan Renon
Denpasar Rukan Duta Wijaya Unit 2 & 3,
Jln. Raya Puputan Renon
Mataram Jln. Pejanggik No. 27B, Cakranegara, Mataram, NTB
Negara Jln. Yos Sudarso, Banjar Tengah, Negara, Bali
Singaraja Jln. Ngurah Rai No. 56, Singaraja, Bali
Tabanan Jln. By Pass Kediri No. 17D Tabanan
Sulawesi
Jln. Sultan Alauddin No. 94, Makasar, Sulsel
Makasar Jln. Sultan Alauddin No. 94, Makasar,
Sulsel
Gorontalo Jln. Andalas No. 222, Gorontalo
(Depan Penginapan Wisma Andalas)
Kendari Jln. Syeh Yusuf, Ruko Petak No. 26,
Kendari, Sulawesi Tenggara
Pare-Pare Jln. Bau Maseppe No. 192 Kel. Kampung
Baru, Kec. Bacukiki, Pare-Pare, Sulawesi Selatan
Maros Jln. Jendral Sudirman No. 131 F, Maros, Sul-Sel
PT Wahana Ottomitra Multiartha Tbk iv
Cabang Kantor Inti
