BETTER LIFE, BETTER FUTURE

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Tanggung Jawab Sosial dan Lingkungan Perusahaan

Corporate Social and Environment Responsibility

BETTER LIFE,

BETTER FUTURE

FIFGROUP Sustainability Report

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1 Tanggung Jawab Sosial Perusahaan dan Upaya Pengelolaan Lingkungan, Kesehatan & Keselamatan Kerja

Corporate Social Responsibility and Efforts to Manage Environment, Occupational Health & Safety 5 Prinsip dan Landasan ESR FIFGROUP

FIFGROUP ESR Principle and Framework 6 Visi dan Misi ESR FIFGROUP

FIFGROUP ESR Vision and Mission 7 Roadmap ESR FIFGROUP

FIFGROUP ESR Roadmap 8 Program ESR 2014

ESR PROGRAM 2014 10 Pelestarian Lingkungan

Environment Preservation

11 Pelibatan dan Pengembangan Masyarakat Community Involvement and Development 11 FIFGROUP Pendidikan

FIFGROUP Education

13 FIFGROUP Pemberdayaan Ekonomi Masyarakat FIFGROUP Public Community Development 15 FIFGROUP Kesehatan Masyarakat

FIFGROUP Public Health

16 FIFGROUP Hubungan Masyarakat FIFGROUP Public Relation

17 Tanggung Jawab Sosial terkait Perlindungan Pelanggan

Corporate Social Responsibility Related with Consumer Protection

Tanggung Jawab Sosial Perusahaan

dan Upaya Pengelolaan

Lingkungan, Kesehatan &

Keselamatan Kerja

Corporate Social Responsibility and Efforts to Manage

Environment, Occupational Health & Safety

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Sebagai perusahaan penyedia jasa pembiayaan, FIFGROUP bertekad untuk membangun bisnis yang berkelanjutan sesuai dengan visi dan misi Perusahaan dengan terus memberikan pelayanan yang bernilai tambah dengan hasil yang dapat dinikmati oleh seluruh pihak yang terlibat dengan kegiatan usaha FIFGROUP, mulai dari Pemegang Saham hingga Pemangku Kepentingan lainnya yaitu pelanggan, masyarakat, karyawan dan lingkungan sekitar.

Komitmen FIFGROUP dalam aspek tersebut diwujudkan melalui kegiatan ESR (EHS & CSR), yaitu EHS (Environment, Health, & Safety) yang meliputi

As a financing service company, FIFGROUP strives to build a sustainable business based on the Company’s vision and mission to give added-value service with a benefit for every parties involved with FIFGROUP business activity, starting from our Shareholders to other Stakeholders namely our consumers, society, employee and surrounding environment.

Commitment of FIFGROUP in these aspects are carried in Enterprise Social Responsibility activities (EHS & Social Responsibility) covering 3 pillars of

Seiring dengan keberhasilan FIFGROUP dalam mencapai

target pertumbuhan kinerja, turut meningkatkan

kesadaran Perusahaan akan pentingnya partisipasi dan

kontribusi dalam membangun lingkungan sekitar dan

meningkatkan kualitas hidup masyarakat

In accordance with FIFGROUP’s succeed in achieving performance growth

target, It also encourages the Company’s target on the importance of

participation and contribution in developing surrounding environment and

improving society living standard.

Tanggung Jawab Sosial

Perusahaan dan Upaya

Pengelolaan Lingkungan,

Kesehatan & Keselamatan Kerja

Corporate Social Responsibility and Efforts to Manage

Environment, Occupational Health & Safety

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Tanggung Ja wab Sosial P erusahaan - Corpor at e Social R esponsibility

Environment, Safety and Occupational Health (LK3:

Lingkungan, Keselamatan dan Kesehatan Kerja) and

Corporate Social Responsibility defending 4 pillars of Education, Health, Community Development and Environment. Either ESR and LK3 program are performed systematically from Head Office circumstances to every branch office of FIFGROUP under coordination of Corporate Security & EHSSR in charge to HC & GS Director.

3 pilar yaitu pilar Lingkungan, Keselamatan dan Kesehatan Kerja (LK3) dan CSR (Corporate Social

Responsibility), Tanggung Jawab Sosial & Lingkungan

Perusahaan yaitu 4 pilar yaitu Pendidikan, Kesehatan, Pemberdayaan Masyarakat, dan Lingkungan Hidup. Baik kegiatan EHS maupun CSR dilaksanakan secara sistematis mulai dari lingkup Kantor Pusat hingga setiap Kantor Cabang FIFGROUP dibawah koordinasi

Corporate Security & EHSSR Department yang

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Astra Friendly Company, Social Responsibility and EHS. The FIFGROUP CSR Organization structure is illustrated below:

Astra Friendly Company, Social Responsibility dan EHS. Skema organisasi CSR FIFGROUP digambarkan sebagai berikut:

Corp. EHS & Social Responsibility

Sub. Dept. Head

Astra

Green Company Friendly CompanyAstra Corporate SocialResponsibility EHS

President Director (Excecutive in Charge) HC & GS Director (Director in Charge) General Support Division Head Corporate Security & EHSSR Dept. Head

Corporate Security Sub. Dept. Head

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FIFGROUP ESR Principle

and Framework

In carrying out ESR activity, FIFGROUP always complies with Law and Regulation as well as other relevant ESR activity guidelines. The framework of FIFGROUP ESR implementation Law is referring to Article 74 point 4 of Law No. 40 of 2007 regarding Corporate Social Responsibility activity in Limited Company and also adapting Astra Group ESR Guideline including Catur Dharma Astra, EHS & CSR, Corporate Policy, Astra Green Company and Astra Friendly Company Management System.

Aside from these CSR pillars, FIFGROUP also actively contributes in natural disaster relief. To achieve FIFGROUP’s objectives in those four pillars, the Company has implemented programs illustrated on below scheme:

Prinsip dan Landasan

ESR FIFGROUP

Dalam melaksanakan kegiatan ESR, FIFGROUP senantiasa patuh terhadap ketentuan dan peraturan perundang-undangan serta pedoman kegiatan ESR yang relevan lainnya. Pedoman peraturan perundang-undangan implementasi ESR FIFGROUP berpedoman pada Pasal 74 ayat 4 UU No. 40 tahun 2007 terkait kegiatan Tanggung Jawab Sosial pada Perusahaan Terbatas dan juga mengadaptasi Pedoman ESR Astra Group meliputi Catur Dharma Astra, EHS & CSR

Corporate Policy, Sistem Manajemen Astra Green Company dan Astra Friendly Company.

Selain keempat pilar CSR yang ada, FIFGROUP juga aktif dalam kegiatan tanggap darurat bencana. Untuk mencapai tujuan FIFGROUP dalam keempat pilar tersebut, Perusahaan melalui program-program yang digambarkan dalam skema berikut:

Catur Dharma Astra

gives added value to its stakeholder

Team Value

Triple Bottom

Line Concept

FIFGROUP Roadmap

Direction

• President Letter • Corp. Policy • One Year Policy

Organization

• Corp. EHSSR • Branch & POS • All Employee • FINSER Astra • Partnership

Standards

• AGC & AFC

CSR

• Education • Health • IGA • Environment • Comm. Relation

EHS

• Environment • Occupational Health & Safety

Scope

• Internal (Employee, Coy) • External (Community, Customer, Dealer)

BASIS

ENABLER

PROGRAMS

BUS

SINES

S SUS

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FIFGROUP ESR Vision and Mission

CSR activity implementation in FIFGROUP is based on FIFGROUP CSR Vision and Mission, which are:

Visi dan Misi ESR FIFGROUP

Pelaksanaan kegiatan ESR di FIFGROUP didasarkan pada visi dan misi ESR FIFGROUP yaitu:

Visi ESR FIFGROUP

FIFGROUP ESR Vision

Misi ESR FIFGROUP

FIFGROUP ESR Mission

Tujuan ESR FIFGROUP

FIFGROUP ESR Objectives

Memastikan FIFGROUP menjadi perusahaan yang dikagumi serta memberikan nilai tambah bagi masyarakat dan lingkungan sekitar

To assure FIFGROUP as admired Company and provide added value for surrounding society and environment.

♦ Meningkatkan kualitas hidup masyarakat di sekitar

lingkungan kantor

♦ Membangun hubungan yang harmonis dengan

komunitas sekitar lingkungan kantor

♦ Menciptakan image perusahaan yang positif bagi

masyarakat

♦ Menciptakan lingkungan kerja yang nyaman, aman,

dan sehat bagi karyawan

♦ Improving living standard of society live in our office neighborhood.

♦ Build harmonious relationship with community in our surrounding neighborhood.

♦ Build positive corporate image among the society.

♦ Establish comfortable, safety and health working environment for our employees.

♦ Positive Corporate Image

♦ Social Protection

♦ Pride of employee

♦ Support to Business

♦ Positive Corporate Image ♦ Social Protection ♦ Pride of employee ♦ Support to Business

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Roadmap ESR FIFGROUP

Program ESR yang dilaksanakan oleh FIFGROUP merupakan suatu aktivitas yang berkelanjutan. Kegiatan dan bantuan CSR yang diberikan bersifat berkesinambungan untuk meningkatkan taraf hidup masyarakat dan seluruh pemangku kepentingan FIFGROUP serta menciptakan social value untuk Perusahaan.

Komitmen FIFGROUP dalam melaksanakan kegiatan ESR yang berkesinambungan tersebut diilustrasikan oleh skema Roadmap ESR FIFGROUP berikut:

FIFGROUP ESR Roadmap

The ESR program carried out by FIFGROUP is series of a continuous activity. CSR activity and donation disbursed have a sustainable in nature that are intended to improve living standard of society and all of FIFGROUP stakeholders as well as to create social value for the Company.

Commitment of FIFGROUP in performing sustainable ESR activity is drawn on following FIFGROUP ESR Roadmap scheme:

GO TO THE NEXT LEVEL

Jam Sosial Social Hour Beasiswa Scholarship Sarana Prasarana Infrastructure Pelatihan Guru Teacher Training Donor Darah Blood Donation Operasi Gratis Free Surgery Layanan Gratis Free Service Donasi Modal Capital Donation Donasi Alat Tools Donation Donasi Pelatihan Training Donation Tanam Pohon Tree Plantation Sekolah Binaan Target School POSYANDU POSYANDU Sentra Kriya Craft Centers Taman Lalu Lintas Traffic Park Bank Sampah Garbage Can

Balai Latihan Kerja Training Center Sekolah Hijau Green School Sentra IGA IGA Center Microfinancing Microfinancing Kampung Hijau Green Kampong Tahap 1 | Phase 1 Tahap 2 | Phase 2 Tahap 3 | Phase 3 Philanthrophy

Continue & Coaching

Corporate Social Value

2014

2015

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ESR PROGRAM 2014

In 2014, FIFGROUP has performed several ESR program on community development and environment sectors with total ESR budget to Rp 6,083,188,302. The budget consisted of Actual CSR fund of Rp4,981,928,202 and Syariah fund of Rp1,101,260,100.

Brief explanation on detail of FIFGROUP ESR budget realization and activity in 2014 shown in below table:

Program ESR 2014

Selama tahun 2014, FIFGROUP telah melaksanakan berbagai program ESR dalam aspek pemberdayaan masyarakat dan lingkungan dengan total anggaran ESR mencapai Rp 6.083.188.302. Dana tersebut terdiri dari dana Actual CSR sebesar Rp4.981.928.202 dan dana Syariah sebesar Rp1.101.260.100.

Gambaran ringkas realisasi dana dan kegiatan ESR FIFGROUP selama tahun 2014, sebagai berikut:

RInCIAn KEGIAtAn ESR FIFGROUP tAhUn 2014

FIFGROUP ESR Activity 2014

Kegiatan ESR

ESR Activity Activity DescriptionRincian Kegiatan

FIFGROUP Pendidikan

Pelatihan Guru

Teacher Training 2.996 guru mendapatkan pelatihan2.996 teachers participated in training

Beasiswa SD

Scholarship for Elementary School 199 Internal & 16 Eksternal199 Internal & 16 External

Beasiswa SMP

Scholarship for Junior High School 20 Internal & 10 Eksternal20 Internal & 10 External

Beasiswa SMU

Scholarship for High School 16 Internal & 10 Eksternal16 Internal & 10 External

Pendidikan Education Rp1.625.464.567 Pemberdayaan Ekonomi Economic Empowerment Rp282.527.000 Kesehatan Masyarakat Community Health Rp823.283.101 Lingkungan Hidup Environment Rp309.752.060 Hubungan Masyarakat Public Relation Rp3.042.161.574 Aktual CSR Actual CSR Rp4.981.928.202 Syariah Sharia Rp1.101.260.100

Syariah dan Aktual CSR

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RInCIAn KEGIAtAn ESR FIFGROUP tAhUn 2014

FIFGROUP ESR Activity 2014

Kegiatan ESR

ESR Activity Activity DescriptionRincian Kegiatan

Beasiswa Perguruan Tinggi

Scholarship for Universities 19 Mahasiswa19 Students

Renovasi dan Perlengkapan Sekolah

School Renovation and Equipment 12 Sepeda Motor, 11 Laptop, 1 Ayunan, 1 Perosotan, 1 Jungkat Jungkit12 Motorcycle, 11 Laptop, 1 Swing, 1 Slide, 1 see-saw.

FIFGROUP Pemberdayaan Ekonomi Masyarakat

Usaha Kecil & Dana Bergulir

Small Enterprise & Revolving Fund 12 kelompok IGA12 IGA Group

Sharing Tips Sukses Pengusaha

Entrepreneur Success Story 10 Pengusaha Inspiratif10 inspiring entrepreneurs

FIFGROUP Kesehatan Masyarakat

Posyandu

Posyandu 25 Posyandu Binaan25 Partner Posyandu

Donor Darah

Blood Donation 32,396 Pendonor darah berhasil32,396 Donors

Pelayanan Kesehatan Gratis

Free Medical Treatment 2,643 Pasien Terlayani2,643 Patients

Mobil Tim Medis

Medical Team Car 2,222 orang terlayani2,222 Patients

FIFGROUP Lingkungan Hidup

Penghijauan Hutan Kota dan Konservasi

Reforestation and Conservation 5.029 pohon untuk penghijauan5,029 trees for reforestation

Program Cleaner Production

Cleaner Production Program Program reduce, reuse dan recycleReduce, reuse and recycle Program

FIFGROUP Hubungan Masyarakat

Sumbangan Lingkungan

Environment Donation 15 Cabang Panti asuhan & 23 Head Office Panti Asuhan15 Orphanage (Branch) & 23 Orphanage (Head Office)

Amal untuk Rumah Ibadah

Donation for Religious Place 7 Cabang Rumah Ibadah & 34 Head Office Rumah Ibadah7 Religious Place (Branch) & 34 Religious Place (Head Office)

Khitanan Massal

Mass Circumcision 270 anak270 children

Qurban

Animal Scarifying 12.410 kantong dari 278 kambing dan 11 sapi di 98 cabang12,410 packages from 278 goats and 11 cows in 98 branches

Program Difable Mandiri

Self-Reliant Disabilities Program Program bekerja di perusahaan untuk para difableCareer opportunity for people with disabilities

Bis Sosial

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Environment Preservation

For 2014 period, FIFGROUP has implemented environment preservation program by reforesting City and Conservation Forest. Tree planting activity was conducted by planting 5,029 trees for reforestation in several area namely Tuban, Rangkas and Sentul (Bogor) cooperating with Yayasan Mangrove Center Tuban, Rindam III Siliwangi Banten and Perhutani Bogor.

To support environmental conservation, FIFGROUP also implemented Cleaner Production Program in working place with working activity based on Reduce, Reuse and Recycle principles. This program is undertaken by applying environment-friendly business process from energy efficiency initiatives to optimum use of working resource and equipment.

Pelestarian Lingkungan

Untuk periode tahun 2014, FIFGROUP melaksanakan program pelestarian lingkungan dengan melakukan Penghijauan Hutan Kota dan Konservasi. Kegiatan penanaman pohon dilaksanakan dengan menanam 5.029 pohon untuk tujuan penghijuan di daerah/ wilayah Tuban, Rangkas dan Sentul (Bogor) dan bekerja sama dengan Yayasan Mangrove Center Tuban, Rindam III Siliwangi Banten dan Perhutani Bogor.

Untuk mendukung konservasi terhadap lingkungan, FIFGROUP juga mengimplementasikan Program Cleaner Production di lingkungan kerja melalui praktik kerja berdasarkan prinsip Reduce, Reuse dan Recycle. Program ini dilakukan dengan menerapkan proses kerja yang ramah lingkungan, mulai dari inisiatif penghematan energi hingga pemanfaatan sumber daya dan peralatan kerja secara optimal.

Tanam pohon oleh Presiden Direktur FIFGROUP pada acara peresmian Taman Pelepah Indah

Tree Planting by President Director of FIFGROUP at Pelepah Indah Park Inauguration ceremony

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Community involvement

and Development

Community involvement and development aspect is primary focus of FIFGROUP ESR activity through FIFGROUP Education, FIFGROUP Community Development, FIFGROUP Public Health and FIFGROUP Public Relation program. Through these activities, FIFGROUP provides direct contribution for various community and took form as various donation based on the objective of activities conducted.

FIFGROUP Education

Teacher training, scholarship and renovation as well as school equipment supports dedicated for society in the Company’s neighborhood. In 2014, FIFGROUP provided training facilities to 2,966 teachers from Bekasi, Pamulang, Head Office, Singaraja, Bukit Tinggi, Ambon, Rantau Prapat, Banda Aceh, Pematang Siantar, Cibinong, Pasuruan, Cileungsi, Bogor, Jakarta 3, Cibungbulan and Megamendung Office on 2013 Curriculum and Guideline, Hypno-teaching and Honest Canteen Socialization.

Pelibatan dan Pengembangan

Masyarakat

Aspek pelibatan dan pengembangan masyarakat merupakan fokus utama kegiatan ESR FIFGROUP melalui kegiatan FIFGROUP Pendidikan, FIFGROUP Pemberdayaan Ekonomi Masyarakat, FIFGROUP Kesehatan Masyarakat dan FIFGROUP Hubungan Masyarakat. Melalui kegiatan-kegiatan tersebut, FIFGROUP memberikan kontribusi langsung terhadap berbagai kalangan masyarakat dan dalam berbagai bentuk sesuai dengan sasaran program kegiatan.

FIFGROUP Pendidikan

Kegiatan pelatihan guru pemberian beasiswa dan dukungan renovasi serta perlengkapan sekolah yang ditujukan kepada masyarakat di sekitar Perseroan. Selama tahun 2014, FIFGROUP memberikan pelatihan kepada 2.966 guru yang berasal dari Bekasi, Pamulang, Head Office, Singaraja, Bukit Tinggi, Ambon, Rantau Prapat, Banda Aceh, Pematang Siantar, Cibinong, Pasuruan, Cileungsi, Bogor, Jakarta 3, Cibungbulan dan Megamendung di bidang Pakem dan Kurikulum 2013,

Hypnoteaching dan Sosialisasi Kantin Kejujuran.

Workshop Peningkatan Kompetensi Guru untuk meningkatkan keahlian mengajar para Guru

Workshop Peningkatan Kompetensi Guru (Workshop on Competence Improvement for Teacher) to develop Teacher lecturing skill

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On the other hand, FIFGROUP also disbursed education donation in form of scholarship for Elementary School to University level where on December 31, 2014, students receiving scholarship for Elementary to High School was 235 internal parties and 36 external parties, and 19 students on University Scholarship.

To improve education quality, FIFGROUP also supports schools renovation and equipment for SDN Kebonrejo Di sisi lain, FIFGROUP juga memberikan bantuan

pendidikan berupa program beasiswa mulai dari tingkat SD hingga Perguruan Tinggi di mana hingga 31 Desember 2014, pihak yang menerima beasiswa tingkat SD hingga SMA mencapai 235 pihak internal dan 36 pihak eksternal dan beasiswa Perguruan Tinggi untuk 19 mahasiswa.

Untuk meningkatkan kualitas pendidikan, FIFGROUP juga memberikan bantuan renovasi dan peralatan

FIFGROUP Goes To Campus Tanjung Pura Pontianak

FIFGROUP Goes To Campus Tanjung Pura Pontianak

FIFGROUP Goes To Campus di Universitas Parahyangan Bandung

FIFGROUP Goes to Campus at Universitas Parahyangan, Bandung

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1 Kediri, SMK Multi Studi Batam, SMKN 1 Denpasar, SMK Nasional Makassar, SMKN 8 Bandung, SMK Kawung 1 Surabaya, SMK Muhammadiyah Surakarta, SMKN 1 Wonosegoro, SMAN MJPS Tasikmalaya, Universitas Hasanudin Makassar, Universitas Parahyangan Bandung, Universitas Tanjung Pura Pontianak, Universitas Cendrawasi Jaya Pura, Universitas Sumatra Utara, Universitas Brawijaya, PAUD Anggrek Tangerang. In 2014, donation given included 12 motorcycles, 11 laptops, and school equipment such as Swing, Slide and See-saw.

FIFGROUP Public Community Development

As part of the society, FIFGROUP is aware on the importance of building economics starting from smallest unit, which is society. Therefore, FIFGROUP also actively supports public economy development through Small Enterprise & Revolving Fund and hosting Entrepreneur Success Story Sharing.

sekolah kepada SDN Kebonrejo 1 Kediri, SMK Multi Studi Batam, SMKN 1 Denpasar, SMK Nasional Makassar, SMKN 8 Bandung, SMK Kawung 1 Surabaya, SMK Muhammadiyah Surakarta, SMKN 1 Wonosegoro, SMAN MJPS Tasikmalaya, Universitas Hasanudin Makassar, Universitas Parahyangan Bandung, Universitas Tanjung Pura Pontianak, Universitas Cendrawasi Jaya Pura, Universitas Sumatra Utara, Universitas Brawijaya, PAUD Anggrek Tangerang. Pada tahun 2014, bantuan yang diberikan berupa 12 sepeda motor, 11 Laptop, serta seperangkat perlengkapan sekolah berupa Ayunan, Perosotan dan Jungkat Jungkit.

FIFGROUP Pemberdayaan

Ekonomi Masyarakat

Sebagai bagian dari masyarakat, FIFGROUP menyadari pentingnya upaya untuk membangun ekonomi mulai dari tingkat terkecil yaitu unit masyarakat. Untuk itu, FIFGROUP juga secara aktif mendukung pemberdayaan ekonomi masyarakat melalui kegiatan ESR Usaha Kecil & Dana Bergulir serta mengadakan Sharing Tips Sukses Pengusaha.

Foto Bersama Pengusaha Inspiratif dalam Rangka Ulang Tahun FIFGROUP Ke 25

Picture with Inspired Entrepreneurs at FIFGROUP 25th_{Year Anniversary event}

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Small Enterprise & Revolving Fund Program was disbursed to 12 IGA groups. IGA is a donation program dedicated to the society to raise public welfare and living standard. IGA disbursed donation to society in form of business capital, knowledge and expertise in certain sectors.

Entrepreneur Success Story sharing tips event was intended to motivate and build entrepreneurship spirit to the society. In 2014, FIFGROUP invited 10 inspiring entrepreneurs to be involved in these events where during the Sharing session various information on business world were disseminated.

Material presented in the event were including how to be a good entrepreneur, entrepreneur management, solving current issues on entrepreneur sector and knowledge about business opportunity.

Program Usaha Kecil & Dana Bergulir diberikan kepada 12 kelompok IGA. IGA adalah sebuah program bantuan yang ditujukan kepada masyarakat untuk meningkatkan kesejahteraan serta taraf hidup masyarakat. IGA memberikan bantuan kepada masyarakat berupa modal usaha, pengetahuan serta keahlian dalam bidang tertentu.

Penyelenggaran Sharing Tips Sukses Pengusaha ditujukan untuk memotivasi dan membangun semangat kewirausahaan kepada masyarakat. Pada tahun 2014, FIFGROUP mengundang 10 pengusaha inspiratif untuk terlibat dalam kegiatan tersebut di mana pada sesi sharing diberikan berbagai informasi mengenai pengetahuan seputar dunia usaha.

Materi yang disampaikan mengenai bagaimana cara menjadi entrepreneur yang baik, managemen

entrepreneur, menyelesaikan masalah yang ada pada

dunia entrepreneur serta pengetahuan mengenai seputar peluang dunia bisnis.

Penyerahan bantuan sepeda motor sebagai sarana usaha Ojek

Motorcycle donation for Motorcycle taxi business

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FIFGROUP Public Health

Commitment of FIFGROUP to bring better living standard for the society was carried out through FIFGROUP Public Health program as part of FIFGROUP ESR. In 2014, realization of FIFGROUP Public Health activity was undertaken through Posyandu activity, Blood Donation, Health Service, and providing Medical Team Car.

As of December 31, 2014, FIFGROUP had 25 partner Posyandu spread across the region covering West Java, Kalimantan, Central Java and Bali Lombok area.

Realization of other public health activities were blood donation to 32,396 donors, 2,643 patients served in free medical treatment and 2,222 patients served through Medical Team Car.

FIFGROUP Kesehatan Masyarakat

Komitmen FIFGROUP untuk menghadirkan kualitas hidup masyarakat yang lebih baik, FIFGROUP menyelenggarakan FIFGROUP Kesehatan Masyarakat sebagai bagian dari ESR FIFGROUP. Selama tahun 2014, realisasi kegiatan FIFGROUP Kesehatan Masyarakat dilaksanakan melalui kegiatan Posyandu, Donor Darah, Pelayanan Kesehatan serta memberikan pelayanan Mobil Tim Medis.

Hingga 31 Desember 2014, FIFGROUP memiliki 25 Posyandu Binaan yang tersebar di berbagai wilayah, yang diantaranya Jawa Barat, Kalimantan, Jawa Tengah, dan Bali Lombok.

Realisasi kegiatan kesehatan masyarakat lainnya adalah kegiatan donor darah mencapai 32.396 pendonor darah berhasil, 2.643 pasien terlayani dalam pelayanan kesehatan gratis dan 2.222 orang terlayani melalui fasilitas Mobil Tim Medis.

Penyerahan 25.000 Kantung Darah Kepada Palang Merah Indonesia

25,000 blood bags hand over ceremony to Indonesian Red Cross

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FIFGROUP Public Relation

To strengthen public relation, FIFGROUP also exercised FIFGROUP Public Relation activity as part of FIFGROUP ESR activity. In 2014, FIFGROUP established public relation by giving environment donation to 15 Orphanage (branch) and 23 (Head Office) namely Yayasan At-Taubah, MPA Al-Hikmah, Bersinar Orphanage, Guna Nanda Children Foundation, St. Yusuf Sindanglaya Orphanage Cipanas, Pura Kelapa Dua Depok, Yayasan Vihara Umat Budha Budi Bakti, Panti Asuhan Santo Thomas Bawen, Yayasan Sayap Ibu, Yayasan Darul Ilmi Al-Fikri and Si Boncel Orphanage.

On religious sector, FIFGROUP also gave support for 41 Religious Place in Head Office area, Batam, Yogyakarta, Pematang Siantar, Depok, Kediri, Cikande, Muko-muko, Probolinggo, Batu Raja, Kepanjen, Lampung, Blora, Tasikmalaya.

FIFGROUP Hubungan Masyarakat

Untuk mempererat hubungan dengan masyarakat, FIFGROUP juga melaksanakan FIFGROUP Hubungan Masyarakat sebagai bagian dari ESR FIFGROUP. Selama tahun 2014, FIFGROUP membangun hubungan masyarakat dengan memberikan sumbangan lingkungan ke 15 cabang Panti Asuhan dan 23 Head

Office Panti Asuhan diantaranya Yayasan At-Taubah,

MPA Al-Hikmah, Panti Asuhan Bersinar, Lembaga Penyantun Anak Guna Nanda, Panti Asuhan St. Yusuf Sindanglaya Cipanas, Pura Kelapa dua Depok, Yayasan Vihara Umat Budha Budi Bakti, Panti Asuhan Santo Thomas Bawen, Yayasan Sayap Ibu, Yayasan Darul Ilmi Al-Fikri dan Panti Asuhan Si Boncel.

Di bidang keagamaan, FIFGROUP juga memberikan dukungan berupa amal untuk 41 rumah ibadah di wilayah Head Office, Batam, Yogyakarta, Pematang Siantar, Depok, Kediri, Cikande, Muko-muko, Probolinggo, Batu Raja, Kepanjen, Lampung, Blora, Tasikmalaya.

Penyerahan Kurban karyawan dan masyarakat sekitar, secara simbolis diterima oleh karyawan FIFGROUP

Kurban donation for employee and society, symbolically received by FIFGROUP’s employee

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FIFGROUP also regularly disbursed Animal Scarifying as donation, which in 2014 done by scarifying 278 goats and 11 cows in 98 FIFGROUP branches across Indonesia, and donated 12,410 meat packages to the society live in FIFGROUP operational area neighborhood.

Further, as a contribution of FIFGROUP on social community aspect, the Company also provides Social Car utilized to support activity of the society mainly in medical sector. In 2014, social car has served 187 activities with total 2,222 passengers.

Social Bus is dedicated to support activity of the society namely school, religious, social and health supporting activities. In 2014, Social Car and Social Bus provided by FIFGROUP succeeded in serving 17,182 passengers from 798 social agency. The social buses were pooled at Head Office and 4 of FIFGROUP branches in Medan, Semarang, Surabaya and Bandung 1.

Corporate Social Responsibility

Related with Consumer Protection

As a service provider company, FIFGROUP promotes consumer protection as our commitment in disbursing financing service. The Company provides current information related with consumers loan account accessible through SMS, HALO FIF (1500-343) & Billing statement.

Every consumers complaint will be handled by consumer complaint PIC at branch: CRE for consumer complaint in mass media will be handled by Corporate Communication or PIC PR, and for consumer complaint FIFGROUP juga secara rutin memberikan sumbangan

dalam bentuk Qurban yang pada tahun 2014 berhasil direalisasikan melalui pemotongan 278 kambing dan 11 sapi di 98 kantor cabang FIFGROUP di seluruh Indonesia, dan kemudian membagikan 12.410 paket daging kepada masyarakat di sekitar kantor operasional FIFGROUP.

Selanjutnya, sebagai wujud kontribusi FIFGROUP dalam aspek sosial kemasyarakat, Perusahaan juga menyediakan Mobil Sosial yang digunakan untuk menunjang kegiatan masyarakat khususnya kesehatan. Di tahun 2014 mobil sosial telah melayani 187 kegiatan dengan total 2,222 penumpang.

Bis Sosial yang ditujukan untuk menunjang kegiatan masyarakat, seperti kegiatan sekolah, keagamaan, social dan penunjang pelayanan kesehatan. Pada tahun 2014, Bis Sosial yang disediakan oleh FIFGROUP berhasil melayani 17.182 penumpang dari 798 lembaga sosial. Bus social berada di Head Office dan 4 cabang FIFGROUP, yaitu Medan, Semarang, Surabaya dan Bandung 1.

tanggung Jawab Sosial terkait

Perlindungan Pelanggan

Sebagai perusahaan penyedia jasa FIFGROUP mengedepankan perlindungan pelanggan sebagai komitmen dalam memberikan layanan pembiayaan. Perusahaan menyediakan informasi terkini terkait dengan akun kredit konsumen yang dapat diakses melalui SMS, HALO FIF (1500-343) & billing statement. Setiap Pengaduan/keluhan pelanggan ditangani oleh PIC pengaduan konsumen di cabang: CRE, untuk pengaduan/keluhan pelanggan di media massa akan ditangani oleh Corporate Communication atau PIC PR,

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20 working days after the date of complaint received.

Consumer complaint process is implemented under following procedure:

1. Customer submits complaint to FIFGROUP via website www.fifgroup.co.id, call center (HALO FIF - 1500 343), social media FIF Club (Facebook & Twitter), national mass media (printed & electronic), or directly submitted to nearest branch office.

2. PIC for each channel will register the complaint in our system and give complaint receive to the consumer.

3. PIC will distribute consumer complaint to several parties being in charge to make the follow-up. 4. Follow-up PIC will confirm complaint to consumer

and deliver the complaint to related function. 5. Related function will provide consumer complaint

analysis report to PIC Follow-up

6. Follow-up PIC deliver complaint settlement to the consumer, apology and compensation (if considered necessary)

Realization of consumer complaint handling relted with financial transaction in FIFGROUP for 2014 on several categories including Collection, Penalty, Proposal, Remedy, Late Charge and Maturity were received in 67 complaints with settlement level of 67 complaints or 100%.

ditentukan ditindaklanjuti dan diselesaikan paling lambat 20 hari kerja setelah tanggal penerimaan keluhan/pengaduan.

Proses layanan pengaduan pelanggan tersebut dilaksanakan dengan prosedur sebagai berikut:

1. Customer mengajukan pengaduan/keluhan kepada FIFGROUP baik melalui website www.fifgroup. co.id, call centre (HALO FIF - 1500 343), social Media FIF Club (Facebook & Twitter), media massa nasional (cetak & elektronik), maupun langsung disampaikan ke cabang terdekat,

2. PIC masing-masing channel melakukan register pengaduan/keluhan di sistem dan menyerahkan tanda terima pengaduan/keluhan kepada pelanggan,

3. PIC melakukan distribusi pengaduan/keluhan pelanggan kepada pihak-pihak yang harus melakukan follow-up,

4. PIC follow-up mengkonfirmasi pengaduan/keluhan kepada pelanggan dan menyampaikan pengaduan/ keluhan ke fungsi terkait,

5. Fungsi terkait memberikan laporan hasil analisa pengaduan/keluhan pelanggan ke PIC Follow-up, 6. PIC follow-up menyampaikan penyelesaian

pengaduan/keluhan kepada pelanggan, permohonan maaf & ganti rugi (jika diperlukan) Realisasi penanganan pengaduan pelanggan terkait financial transaction di FIFGROUP selama tahun 2014 untuk kategori permasalahan Collection, Denda, Proses Pengajuan, Remedial, Telat dan Tanggal Jatuh Tempo berjumlah 67 pengaduan diterima dengan tingkat penyelesaian 67 pengaduan atau 100%.

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Occupational health

and Safety

In 2014, FIFGROUP brought our commitment on Occupational health and safety is exercised through series of activities to avoid company's loss due to dangerous activity and condition.

FIFGROP also provides fire extinguisher (Alat

Pemadam Api Ringan – APAR) according to regulation

issued by the Government and periodically checking the APAR condition. The PIC assigned as APAR PIC has also been participated on several training to have adequate knowledge in using the APAR.

FIFGROUP also actively provides emergency response training such as simulation of fire, earthquake, flood and riot at branch offices as well as giving health counselling for our employees.

FIFGROUP also performs safety riding inspection for employee and operational vehicle to assure safety riding and encourage the employee to be more productive.

Praktik Kesehatan dan

Keselamatan Kerja

Selama tahun 2014, perwujudan komitmen FIFGROUP dalam aspek Kesehatan dan Keselamatan Kerja dilaksanakan melalui kegiatan-kegiatan yang bisa menghindari kerugian perusahaan karena aktifitas dan kondisi yang berbahaya.

FIFGROUP telah menyediakan APAR (Alat Pemadam Api Ringan) sesuai peraturan pemerintah, dan secara rutin mengadakan pengecekan kelayakan APAR. Para PIC yang sudah ditugaskan sebagai PIC APAR juga telah diikutsertakan dalam pelatihan agar memiliki pengetahuan untuk menggunakan APAR tersebut. FIFGROUP juga aktif memberikan pelatihan simulasi tanggap darurat dalam bentuk simulasi kebakaran, gempa, banjir dan huru-hara di cabang dan mengadakan penyuluhan kesehatan untuk karyawan. FIFGROUP juga mengadakan inspeksi keselamatan berkendara untuk kendaraan karyawan dan kendaraan operasional untuk memastikan keselamatan berkendara dan membuat karyawan lebih produktif.

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On occupational health and safety aspect, throughout 2014, FIFGROUP has also internalized and implemented 5R principles (Clean, Tidy, Neat, Diligent, Caring) comprehensively at working place. The 5R implementation is intended to create conducive working environment supported by well-maintained working facility.

FIFGROUP ESR Evaluation

Evaluation of FIFGROUP ESR implementation is performed periodically to ensure quality and efficiency of donation given applying Astra Green Company (AGC) standardization as a guideline of environment responsibility activity and Astra Friendly Company (AFC) as guideline of social responsibility activity.

AGC consists of four components of Green Strategy, Green Process, Green Product and Green Employee. Each of the pillars covers the policy, mechanism, final outcome as product and service and employee Dalam sektor kesehatan dan keselamatan kerja, pada

tahun 2014, FIFGROUP juga menginternalisasikan dan menerapkan prinsip 5R (Resik, Rapih, Ringkas, Rajin, Rawat) secara menyeluruh di lingkungan kerja Penerapan 5R tersebut ditujukan untuk menciptakan lingkungan kerja yang kondusif dengan dukungan kelayakan fasilitas kerja yang selalu terpelihara.

Evaluasi ESR FIFGROUP

Evaluasi pelaksanaan ESR FIFGROUP dilakukan secara berkala untuk memastikan kualitas serta efisiensi bantuan yang diberikan dengan standardisasi Astra Green Company (AGC) sebagai rujukan pelaksanaan tanggung jawab bidang lingkungan dan Astra Friendly Company (AFC) sebagai rujukan pelaksanaan tanggung jawab bidang sosial.

AGC terdiri dari empat komponen yaitu Green

Strategy, Green Process, Green Product, dan Green Employee. Masing-masing pilar menjadi payung bagi

kebijakan, mekanisme, hasil akhir berupa produk dan

Pelatihan Penggunaan Alat Pemadam Api Ringan

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behavior. Meanwhile, AFC emphasizes three core components of value, mindset and behavior. AFC assessed performance of branch office based on Key Performance Indicators for the implementation of social responsibility initiatives

Through AFC and AGC, every branch of FIFGROUP undertakes an assessment annually to performance achieved in those aspects. AGC applies three types of self-asessment, cross-assessment as inter-branch assessment and corporate assessment carried out by PT Astra International Tbk.

Result of AGC assessment is Golden (Highest), Green, Blue and Red (lowest) predicates, while, AFC grants 5 stars (highest), 4 stars, 3 stars, 2 stars and 1 star (lowest) predicates.

Result of FIFGROUP activity assessment for 2014

is shown below:

layanan, serta perilaku karyawan. Sementara, AFC mengedepankan tiga komponen utama value, mindset, dan behavior. AFC menilai kinerja cabang berdasarkan Indikator Kinerja Utama bagi penerapan inisiatif-inisiatif tanggung jawab sosial.

Melalui AFC dan AGC, setiap cabang FIFGROUP setiap tahun menjalani penilaian atas kinerjanya di kedua bidang tersebut. AGC menerapkan tiga macam pola yaitu self assessment, cross-assessment yang merupakan penilaian antar cabang, dan external

assessment yang dilaksanakan PT Astra International

Tbk.

Hasil penilaian AGC adalah predikat Emas (tertinggi), Hijau, Biru, dan Merah (terendah), sementara AFC memberlakukan predikat Bintang 5 (tertinggi), Bintang 4, Bintang 3, Bintang 2, dan Bintang 1 (terendah). Hasil Evaluasi pelaksanaan kegiatan ESR FIFGROUP selama tahun 2014 digambarkan sebagai berikut:

9

38

42

0

PENCAPAIAN 2014

2014 Achievement AFCAFC PENCAPAIAN 20142014 Achievement AGCAGC

AGC 2014

88

1

Biru Blue Hijau Green

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