The history of PT Buana Finance Tbk.
Originated from the establishment of Joint Venture Private Financial
institution named PT BBL Leasing Indonesia (Bangkok Bank Leasing) on
June 7, 1982. Overtime the Company has evolved in unison with the robust
growth of the financing industry in Indonesia. In 2005, the Company
changed its name to PT Buana Finance Tbk., and continues strengthening
its existence in the Financial Industry with the support of the Founding
Group of Bank Buana Indonesia
As one of the pioneering members of the Indonesia Financial Services Association (Asosiasi Perusahaan Pembiayaan Indonesia/APPI),
we have been actively involved in the dynamics of the financing
industry. We are one of few finance companies in Indonesia, listed as
public companies in the Indonesia Stock Exchange since 1990, with main
focus in the Leasing segment and consumer financing (for second-hand
cars).
To claim a leading position in the
market, we continue to incorporate the latest innovation of the
industry, such as those pertaining to information technology. Our
current infrastructure is now supported by fully computerized and online
information systems throughout all our branches in Indonesia around the
clock. With the support of professional human resources, the speed of
our services can be relied on to support the fulfillment of Customer’s
demands.
Having accumulated almost 3 (three)
decades of business acumen, we position ourselves as a business partner
who better understands the demands of Customer’s. Our added value is
evident in our sensitivity to respond to the dynamics of our Customer’s
need and our sincerity to nurture a long term relationship. All of our
business aspiration reflects the Company’s mission and values which are
internalized continuously. Buana Finance BBLD
Vision
To be the most preferred finance company providing innovative financial solution and becoming a benchmark in the industry
Mission
Create long term mutual beneficial relationships with reputable and trustworthy customers, suppliers, and creditors.
Deliver innovative, competitive and high value-added products and
services, leveraged by robust system and effective cutting-edge
technology.
Optimize all available resources to strengthen our business.
Provide excellent return to our investors.
Create great environment for our people to unleash their potential.
Conduct our business in adherence to Good Corporate Governance and Best Practices. Buana Finance BBLD
RELIABILITY
Having accumulated almost three decades
of experience in the financing industry, we are supported by a team of
professionals strongly dedicated in the industry, who have the necessary
skills and focus to understand your needs.
TIMELINESS
From the certainty of credit approval,
payment process to supplier, up to the administration process of loan
repayment, we impose high standard of timely service delivery to ensure
that you only need to spend your invaluable time in achieving your
financial goals.
CONVENIENCE
Dealing with the complexity of every
Customer’s need, we know the importance of flexibility and ability to
think ”outside the box” in order to provide satisfactory service and
solution that are right on target.
COMFORT
With utmost commitment in upholding
ethical professional conduct, we serve whole heartedly with genuine
sincerity to nurture an intimate and enduring relationship with
customers.
SECURITY
We respect your rights as a customer by
safeguarding the security of your collateral ownership documents and
also the privacy of confidential information regarding your private self
and business. Buana Finance BBLD
Multipurpose Financing
Financing Facitilites for the
procurement of goods and / or services needed by Individuals
(Non-Productive) within the specified period.
Financing Facilities for
procurement of capital goods as well as services provided to
individuals, business entities or legal entities needed for
modernization, expansion of businesses / investment within a period of
more than two (2) years.
Financing Methods :
1. Finance Lease
2. Installment Finance
3. Sale and Leaseback
4. Factoring With Recourse Buana Finance BBLD
Working Capital Financing
Financing Facilities to meet the
working capital needs / expenses in one cycle of the individuals,
business entities and legal entities within a maximum period of 2 ( two )
years.
Financing Methods :
1. Sale dan Leaseback
2. Factoring With Recourse
3. Factoring Without Recourse Buana Finance BBLD
The
Company established on 2 December 2005 under the name of PT Multi
Tambang Abadi which engaged in the business of mining and service. In
January 2013, PT Indomobil Sukses International, Tbk. (IMSI) acquired
90.00% of the Company's shares from PT Tritunggal Intipermata and
acquired 9.89% of the Company's shares from PT Indomobil Manajemen
Corpora.
Furthermore,
in February 2013, along with the change of its business objectives, the
Company changed its name into PT Indomobil Multi Jasa (herein after
referred to as IMJ) with its scope of business i.e trading, automotive
maintenance workshop, general consulting and services for vehicle, car
rental and machines, and land transportation.
The
Company has entered into the domestic stock exchange by way of Initial
Public Offering (IPO), which followed by the listing of its shares by
having "IMJS" as its code of shares in PT Bursa Efek Indonesia on 10
December 2013, which changed the Company's status into an Public
Company.
The
Company conducts its business activities in the areas of financing
services, logistics and transportation business, and non-formal
education / training services through its following subsidiaries:
Financing Services
PT Indomobil Finance Indonesia (“IMFI”)
PT Hino Finance Indonesia (“HFI”)
PT Nissan Financial Services Indonesia (NFSI”)
PT Suzuki Finance Indonesia (“SFI”)
Logistics and Transportation
Rental : PT CSM Corporatama (“CSM”)
Logistik : PT Seino Indomobil Logistics (“SIL”)
Non-Formal Education /Training Services
PT Indomobil Edukasi Utama (“IEU”)
Repair and Maintenance Services
PT. Indomobil Ekspres Truk ("IET")
VISION The Leading Financial and Transportation Solutions Provider in Indonesia.
MISSION 1. Promoting “Operational Excellence” 2. Implementing “Funding Diversification” 3. Developing Human Capital 4. Expanding the synergy and captive market 5. Employing the Information Technology Indomobil Multi Jasa IMJS
Code of Conduct of the Company is an internal guidance that binds
everyone in the Company and contains the values, business ethics, work
ethics, and norms relating to the conformity and compliance against the
corporate policies as well as Indonesian laws. Code of conduct is
designed by Board of Directors and Board of Commissioners with respect
to the corporate values, namely Excellent Services, Reliability,
Integrity, Accessibility, Value-Added Driven Business and Awareness, as
well as with consideration to moral principles that are enacted in the
company and the commitment to realize the corporate vision and mission.
As the Company's commitment to conduct the good corporate governance
is in line with the universal principles, the implementation of code of
conduct is aimed at guiding all management and employees in showing
behavior, interacting and acting according to the rights and obligations
to the stakeholders, including in serving the customers.
In addition, other goals of reinforcing the code of conduct are:
To develop and maintain commitment of the Company to the
implementation of Good Corporate Governance in accordance to the
applicable business ethics in Indonesia so as to create a favorable
business environment, namely through the implementation of corporate
values that lead to the establishment of corporate cultures and
policies, system as well as procedures;
To apply and sustain understanding as well as implementation of code
of conduct of the employees and management against the work ethics that
facilitate the implementation of GCG practices, so as to ensure that
the Company as a legal entity has operated in compliance with Indonesian
laws and business ethics;
To develop and sustain understanding among shareholders and
stakeholders relating to the corporate values and the applicable
business ethics in Indonesia, in a way to promote a positive image
ensuring that the Company's business practices are in compliance with
the applicable regulations and business ethics in Indonesia;
To guide all employees and management about the making of ethical
decision, so that each individual of the Company can determine every
step or business decision with respect to moral and legal consequences. Indomobil Multi Jasa IMJS
Risk Management
As a multifinancing company with dynamic business, Risk
Management is indeed essential to its business. Therefore, the Company
has developed and applied a comprehensive risk management policy as part
of effort to anticipate business risk potentially hampering the efforts
to achieve the strategic goals of the company, and at the end, slow
down the business growth of the Company.
Below are the risks that could be identified and the mitigation steps:
Risk of Financing & Mitigation Steps
Financing activities were exposed to high
risk, particularly risk of debtor's failure to fulfill the obligations.
Therefore, the Company mitigated the risk emerging from its main
business by channeling the credit based on prudence principle as well as
applying tight financing scheme, from field survey to adequate credit
analysis. Besides, the Company applied collection mechanism of various
methods and levels, from sending reminder SMS ahead of the payment due
of the installment, then collecting by phone and making direct visit to
the consumers that fail to fulfill the payment obligation within certain
period of time.If those steps were completed, the next procedure would
be to take over the vehicle that becomes the collateral. The Company
could help the sales of the vehicle that was taken over in order to
minimize the loss and to protect the rights of the consumers whose
vehicle was taken over.
Risk of Funding & Mitigation Steps
Funding activity of the Company was also
exposed to the risk of the difficulty of finding adequate, affordable
and trustworthy sources of fund. To anticipate the risk potential, the
Company has applied some steps including diversification of fund using
the instruments from local and foreign banking institutions, in the
forms of bilateral loan, syndicated loan, joint financing, or loan
extension, as well as through capital market, such as the issuance of
bonds.
Risk of Operation & Mitigation Steps
The Company's business was exposed to risk
of operation which was affected by various risk factors. The Company
anticipated the risk by conducting review over the existing operational
system and procedures to be further adjusted to the business development
of the Company. Department of Business Process in that case was
responsible for formulating the Standard Operational Procedure (SOP) and
drafting the revision over the procedure on periodical basis.The
Internal Audit Division meanwhile was responsible for reviewing the
implementation of SOP to ensure the effectiveness of the implementation.
Risk of Competition & Mitigation Steps
The Company in 2016 dealt with challenging
situation that led to tight business competition. The Company therefore
improved cooperation with the distributors and dealers in order to make
breakthroughs, such as innovative financing package and aggressive
expansion to widen the sales and service network to many regions in
Indonesia.
Risk of Macroeconomy & Mitigation Steps
Macroeconomic uncertainty has generated a
risk that could hamper the sustainable business growth. Although the
macroeconomic condition was beyond the Company's control, the Company
anticipated the risk by consistently monitoring the economic indicators,
among which were the inflation rate and interest rate, while
diversifying the sources of fund and applying the hedging strategy as
anticipatory measures against the fluctuating interest rate and exchange
rate.
Risk of Monetary Policy & Mitigation Steps
The macroeconomic situation strongly
related with the implementation of monetary policy. The Company in that
case has consistently monitored the issued monetary policies and reviews
the impact on the business sustainability of the Company. This effort
was also accompanied by the strategy of diversifying sources of fund to
ensure the Company's competitiveness.
Risk of Exchange Rate Volatility & Mitigation Steps
As the macroeconomic condition, the
exchange rate volatility was another risk factor that was beyond the
Company's control. To anticipate the risk, the Company applied hedging
policy through the implementation of cross currency swap and interest
rate swap transactions from floating interest rate to fixed rate to
mitigate the impact of risk of exchange rate volatility to profitability
of the company. Indomobil Multi Jasa IMJS
Supporting Institutions and Professionals
Public Accountant: KAP Purwantono, Sungkoro & Surja Ernst & Young Gedung Bursa Efek Indonesia, Tower 2, Lt.7 Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190, Indonesia Tel : +6221 5289 5000 Fax: +6221 5289 4100
Credit Rating Agency: PT Pemeringkat Efek Indonesia (Pefindo) Panin Tower Senayan City, 17th Floor Jl. Asia Afrika Lot.19 Jakarta 10270, Indonesia Tel : +6221 7278 2380 Fax: +6221 7278 2370
Securities Administration Bureau: PT Raya Saham Registra Gedung Plaza Sentral, Lt. 2 Jl. Jend. Sudirman Kav. 47-48 Jakarta 12930, Indonesia Tel : +6221 2525666 Fax: +6221 2525028
Board Code of Conduct is formulated based on the rules in the
Article of Association of the Company and the applying laws, including
Financial Service Authority (FSA) Regulation No. 33/POJK.04/2014
concerning Board of Directors and Board of Commissioners of Issuer or
Public Company The Code of Conduct contains:
Legal base;
Description of function, duties, responsibility and authorities;
The
Company is fully aware of the importance of reinforcing the
whistleblowing system effectively in order to strengthen the internal
control implementation in the organization of the Company. Although
until now the Company has not yet established a structured system and an
effective whistleblowing media, mechanism for handling the fraud or
deceitful acts against the corporate policies or the applying laws is
done through a tight process. The Company has also assigned Internal
Audit Division to conduct deep analysis, investigate and follow up to
the fraud or deceitful acts. Indomobil Multi Jasa IMJS
Indomobil Multi Jasa Offers 1.29 Billion IPO Shares
TEMPO.CO,
Jakarta - PT Indomobil Multi Jasa Tbk, Monday, 11 November 2013,
conduct an initial public offering. The offer is made through two
subsidiaries, namely PT Indomobil Finance Indonesia (IMFI) and PT CSM
Corporatama (Indorent).
President
Director of PT Indomobil Multi Jasa, Jusak Kertowidjojo, said the
company sold 10 to 25 percent of the shares. "The initial price is
around Rp 500 to Rp 650 per share," said Jusak at The Ritz-Carlton,
Pacific Place, Jakarta, Monday, 11 November 2013.
The
number of shares offered to the public is the amount of 1.29 billion
shares. According to Jusak, the initial public offering period of PT
Indomobil Multi Jasa was conducted on 11-19 November 2013. "We are
targeting to be listed in the stock exchange on 5 December 2013."
The
fund raised from initial offering shall be used for business
development and working capital of a subsidiary amounting to 60 percent.
Two thirds of the 60 percent shall be used by Indorent, while one-third
will be used by IMFI. The remaining 40 percent shall be used to pay
Indorent loans.
Jusak
said the five companies were appointed as underwriters namely PT CIMB
Securities Indonesia, PT Deutsche Securities Indonesia, PT DBS Vickers
Securities Indonesia, PT Kresna Graha Sekurindo Tbk and PT Buana
Capital.
PT
Indomobil Multi Jasa Tbk is a subsidiary of PT Indomobil Sukses
International. Indomobil Multi Jasa is engaged in consumer financing
services through IMFI as well as car rental services through Indorent.
IMFI itself serves the financing of two-wheeled vehicles, four wheels,
and heavy equipment. As of 30 June 2013, the company claims to have as
many as 212 service points. Meanwhile, Indorent has 16 service points
with a total fleet of 8.363 units. Indomobil Multi Jasa IMJS
Annual General Meeting of Shareholders of PT Indomobil Multi Jasa, Tbk in Year of 2017
Indomobil Tower, Jakarta, Indonesia
Thursday, 28 June 2018
PT Indomobil Multi Jasa Tbk (“Company”), held Annual General Meeting of Shareholders (“AGMOS”) for Fiscal Year of 2017.
AGMOS decided:
Approval of the Annual Report of the Company regarding the condition and operation of the Company for the fiscal year of 2017.
Ratification of the annual statement of the Company and Subsidiary
(Consolidated Statements of Financial Position, Financial Statements of
Income and other Comprehensive Income Consolidation) for the fiscal year
of 2017 and the grant of release and discharge of responsibility to the
members of the Board of Directors and Board of Commissioners of the
Company.
The stipulation of net profits usage for fiscal year of 2017 namely as follows:
Allocate a portion of its net profits as reserve fund in the amount
of Rp 100.000.000 (one hundred million Rupiah) as required in the
provisions of Article 70 paragraph (1) of Law No.40 of 2007 regarding
Limited Liability Company;
The distribution dividends in the amount of Rp 6.020.400.000,- (six
billions and twenty millions four hundred thousands Rupiah) divided to
5.017.000.000 shares
The payment of dividens will be made by being credited to The
Securities Company or Depository Central at PT Kustodian Sentral Efek
Indonesia.
The remaining net profits of the Company for the financial year
ended on 31 December 2017 after deducted by reserve fund in the amount
of Rp 100.000.000 (one hundred million Rupiah) will be used as
additional working capital of the Company.
The determination of the policy related to the remuneration of
members of the Board of Directors and Board of Commissioners of the
Company.
The appointment of Public Accountant Office to audit the books of
the Company for the fiscal year ending on 31 December 2018, and the
determination of the terms of such appointment.
Approval of the capital increase of Company through Pre-emptive Rights (HMETD).
Approve to reappoint the member of the Board of Directors and Board of Commissioners of the Company.
Annual General Meeting of Shareholders of PT Indomobil Multi Jasa, Tbk in Year of 2018
Indomobil Tower, Jakarta, Indonesia
Kamis, 20 Juni 2019
Today PT Indomobil Multi Jasa Tbk ("the Company"), located at Indomobil Tower,
held an Annual General Meeting of Shareholders ("AGM") for Fiscal Year 2018.
The AGMS includes, among others, the following matters:
Approval of the Annual Report of the Board of Directors regarding the condition and running of the Company for the 2018 fiscal year.
Ratification of Annual Calculations (Consolidated Statements of Financial Position, Consolidated Statements of Income and Other Comprehensive Income) for fiscal year 2018 and granting full settlement and acquittal of responsibility (acquit et de charge) to members of the Directors and Board of Commissioners of the Company.
The determination of the use of the Company's net profit for the 2018 financial year is as follows:
Set aside as a reserve fund of Rp 100,000,000 (one hundred million Rupiah) in accordance with the provisions of Article 70 paragraph (1) of Law No.40 of 2007 about Limited Liability Companies.
Disclosed as cash dividends of Rp. 5,769,550,000 (five billion seven hundred sixty nine million five hundred fifty thousand Rupiah). The dividend will be distributed for 5,769,550,000 shares.
Payment of cash dividends will be made by way of being credited into the securities account of a Securities Company or Custodian Bank at PT Kustodian Sentral Efek Indonesia.
Remaining net operating results of the Company for the fiscal year ending on 31 December 2018 after deducting the allowance for reserve funds Rp. 100,000,000.00 (one hundred million Rupiah) will be used as additional capital work of the Company
4. Determination of Salary and / or Allowances for Members of the Board of Directors and Honorarium and / or Allowances of the Company's Board of Commissioners.
5. Appointment of a Public Accounting Firm to conduct an audit of the Financial Statements
6. The Company for the year ending in December 31, 2019. Approval of the Company's Capital Increase by granting Pre-emptive Rights (Rights) and the Proposed Use of Funds from the Capital Addition.
7. Approval of changes to the editorial Article 3 of the Company's Articles of Association Indomobil Multi Jasa IMJS
Annual General Meeting of Shareholders of PT Indomobil Multi Jasa, Tbk in Year of 2019
PT Indomobil Multi Jasa, Tbk. (IMJ) held the Annual General Meeting of Shareholders (AGM) for the fiscal year 2019 on Monday, June 8, 2020 taking place in Indomobil Tower, Jakarta, by implementing a protocol to prevent the spread of the COVID-19 pandemic by implementing social distancing and limiting attendees.
The event was attended directly by Soebronto Laras (IMJ President Commissioner), Jusak Kertowidjojo (IMJ President Director), Gunawan Effendi (IMJ Deputy President Director), and online, namely Josef Utamin (IMJ Commissioner), Tan Lian Soei (IMJ Independent Commissioner ), Andrew Nasuri (IMJ Director), and Toshiro Mizutani (IMJ Unaffiliated Director).
The Annual General Meeting of Shareholders ("AGM") for Fiscal Year 2019 includes but is not limited to the following:
Approval of the Annual Report of the Board of Directors regarding the condition and running of the Company for the 2019 fiscal year.
Ratification of the Annual Calculation (Consolidated Statements of Financial Position, Consolidated Statements of Income and Other Comprehensive Income) for fiscal year 2019 as well as granting full settlement and acquittal of responsibility (acquit et de charge) to members of the Directors and Board of Commissioners of the Company.
Determination of the use of the Company's net profit for fiscal year 2019
Determination of Salary and / or Allowances for Members of the Board of Directors and Honorarium and / or Allowances of the Company's Board of Commissioners.
Appointment of a Public Accounting Firm to conduct an audit of the Company's Financial Statements for the fiscal year ending on December 31, 2020.
Approval of the Company's Capital Increase by granting Pre-emptive Rights (Rights) and the Proposed Use of Funds from the Capital Addition.
Approval to give power and authority to the Board of Directors to carry out all necessary actions related to decisions related to the Rights without being excluded.
Approval of amendments to Article 4 and the final part prior to the closing of the deed in the Company's Articles of Association in connection with the exercise of HMETD and agree to grant authority and authority to the Board of Directors to carry out all actions related to changes in the Company's Articles of Association as referred to in number 7. Indomobil Multi Jasa IMJS
Head Office
PT Indomobil Multi Jasa, Tbk
Indomobil Tower 11th Floor Jl. MT Haryono Kav. 11 Jakarta 13330 - Indonesia
PT STEADY SAFE Tbk (hereinafter referred to as the Company or Steady Safe) is one of the public transportation companies in Jakarta. It was established on December 21, 1971 under the name PT Tanda Widjaja Sakti based on the Deed of Establishment contained in Deed No. 97 made before Ridwan Susilo SH, Notary in Jakarta, as amended by deed no. 32 dated March 13, 1972 and Deed No. 254 dated January 23, 1976 made before the same Notary. Which deeds have been approved by the Minister of Justice of the Republic of Indonesia with the Decree of the Indonesian Minister of Justice on 12 February 1976 No. Y.A 5/61/23. and has been registered in the Jakarta District Court Register under No. 3477 dated October 5, 1981, it was announced in the BNRI on February 16, 1982 No. 14 Additional No. 197.
The deed of the articles of association has been amended, with the deed of decree of the Meeting of the Company No. 187 of 15 August 2008 made before the Notary FX Budi Santoso Isbandi SH, Notary in Jakarta to be adjusted to the Limited Liability Company Law No. 40 of 2007. The deed was approved by the Ministry of Law and Human Rights of the Republic of Indonesia in Decree No. AHU-00250.AH.01.02.Tahun 2009 dated January 5, 2009, Subsequently amended by Deed No. 60 dated December 11, 2009 made before the Notary FX Budi Santoso Isbandi, SH whose receipt of notification of changes in the Company's data has been received and recorded in the Legal Entity Administration System database of the Ministry of Law and Human Rights of the Republic of Indonesia, in accordance with its letter dated January 8, 2010 AHU- AH.01.10-00486 and Number AHU-AH.01.10-00487.
In 1994 the Company made a Public Offering of its shares to the public and in preparation for going public, on December 28, 1993 the Company changed its name to PT Steady Safe Tbk.
The company has 12 subsidiaries with majority ownership, namely PT Buana Metropolitan Taksi, PT Citra Pancakabraja, PT Wahana Artha Sentosa, PT Fajar Utama Semesta, PT Has Muda Internusa, PT Luhursatria Dwiraya, PT Mastrans Swadarma, PT Sembada Permai Sejati, PT Sonnypong Yatim , Steady Safe Finance BV, PT Volgren Indonesia and PT Infiniti Indomarga.
The company is one of the public transportation companies in DKI Jakarta which is engaged in the business of taxi transportation and public bus transportation. Since 2004 the Company has expanded its business wing by becoming a member of the consortium company PT Jakarta Express Trans which was established to manage the DKI Jakarta Government project namely Busway corridor 1 with a percentage of share ownership of 14.74%. In 2005 the Company again became a member of a consortium company named PT Trans Batavia to manage Busway corridors 2 & 3 with a total share ownership of 23.8%.
In August 2006, the Company together with other public transport companies established a Consortium Company under the name PT Jakarta Trans Metropolitan to manage Busway Corridors 4 & 6 with a 41.18% stake and PT Jakarta Mega Trans to manage Busway corridors 5 & 7 with share ownership of 19.05%.
The Company's participation in the establishment of the consortium company is one of the Company's efforts to develop the business and is a form of the Company's commitment to always strive to provide and provide convenient and safe transportation services for the public transportation service user community.
As a transportation company that has been active since 1971 and is also a pioneer company for Patas AC bus transportation in DKI Jakarta, the Company strives to always provide good public transportation services for the public. The Company's participation in the Busway Consortium company starting from corridor 1 to corridor 7 is a form of seriousness manifested by the Company in its commitment as a public transportation company that will always provide the best service for users of public transportation services.
Vission
Become a national company in land transportation services in the form of buses and taxis that contribute to society.
Mision
To gain recognition as a leader in the modern public transportation business by continuously providing added value to shareholders through providing the best service to customers, long-term growth, paying attention to employee welfare and commitment to improve the values of people's lives. Steady Safe SAFE
Guna memenuhi Peraturan Otoritas Jasa Keuangan Nomor 31/POJK.04/2015
tanggal 16 Desember 2015 tentang Keterbukaan Atas Informasi Atau Fakta
Material Oleh Emiten atau Perusahaan Publik, dengan ini disampaikan
pemberitahuan penggantian Kantor Akuntan Publik.
Sesuai dengan hasil Rapat Umum Pemegang Saham Tahunan serta hasil
rapat Direksi memutuskan menunjuk Kantor Akuntan Publik (KAP) Jimmy
Budhi & Rekan untuk melaksanakan audit laporan Keuangan PT Steady
Safe Tbk untuk tahun buku yang berakhir pada 31 Desember 2016. Sebagai
informasi bahwa sebelumnya Perseroan menggunakan jasa Kantor Akuntan
Publik Budiman, Wawan, Pamudji & Rekan untuk Laporan Keuangan Tahun
buku 2015. Steady Safe SAFE
Head Office Gedung Satrio Tower Lt. 15 Jl. Prof. DR. Satrio Kav 1-4 Blok C4 Karet Kuningan – Setia Budi. Jakarta Selatan 12950. Telephone : 062-21 - 27883411 Facsimile : 062 – 21 - 27883410 Email : steady_safetbk@yahoo.co.id Steady Safe SAFE
The company was first established under
the name of PT Liman International Bank in 1990 based on the deed of
establishment No. 99 on August 15th 1990. The operating license as a
Commercial Bank was determined through a Bank Indonesia letter dated
November 21st 1991. On November 8th 2012, the name was changed to PT
Bank Dinar Indonesia. This name change was decided through an
Extraordinary General Meeting of Shareholders (EGMS) and has been
approved by Bank Indonesia and the Ministry of Law and Human Rights of
Republic of Indonesia. Since July 11st 2014, the Company's shares have
been officially listed on the Indonesia Stock Exchange (IDX) with DNAR
stock code so that the name of the Company at that time became PT Bank
Dinar Indonesia Tbk (Bank Dinar). On October 25th, 2018 Bank Dinar was
officially acquired by APRO Financial Co., Ltd (APRO) a large financial
institution originating from South Korea. The acquisition transaction
was carried out through the purchase of 77.38% shares of Bank Dinar.
On July 8th, 2019 Bank Dinar merger with
PT Bank Oke Indonesia (Bank Oke) which is also owned 99% by APRO. Bank
Oke itself was previously named Bank Andara which was founded in 1980
under the name of Andil Indonesia Airlines Bank Pasar Seri Partha. In
1989 obtained a license as a commercial bank and in 1997 changed its
name to PT Bank Sri Partha which focused on financing for Micro Small
and Medium Enterprises in Bali. After being acquired by a group of
shareholders who have an international reputation both in the social and
banking fields, on April 20th 2009 changed its name to Bank Andara
after obtaining approval from Bank Indonesia. On November 18th 2016,
Bank Andara and APRO signed an acquisition deed which marked the
effective acquisition by APRO. Bank Andara's acquisition transaction is
done through the purchase of Bank Andara's new shares by 40% and a year
after the acquisition, precisely in May 2017, APRO bought shares from
other Shareholders so that the ownership became 99%. In August 2017,
Bank Andara officially changed to Bank Oke Indonesia and was approved by
the Otoritas Jasa Keuangan Republic of Indonesia.
In the merger, Bank Oke is a merged bank
while Bank Dinar is a bank that receives a merger (surviving Bank), and
since August 26th, 2019 the Company changed its name from PT Bank Dinar
Indonesia Tbk to PT Bank Oke Indonesia Tbk. Bank Oke Indonesia DNAR
Vision :
To become the best bank in prioritizing service excellent.
Mission :
To give trust to customers as well as contribute to the society with the best service. Bank Oke Indonesia DNAR
Bank
Andara won Hanson Wade’s award on The MicroFinance Recognition Awards
Asia 2011, as the most Innovative Use of Technology for MicroFinance,
which has been held on January 24-27th 2011 in Singapore. Don Johnston
as the Chief Business Development Officer received the award on behalf
of the bank. Bank Andara implemeted Fundamo’s technology in developing
AndaraLink as a product and network to streghten Micro Finance
Institutions (MFIs)’ competitiveness in Indonesia.
Awarded
by Hanson Wade, who creates world-class business and scientific events.
Hanson Wade’s goal is to accelerate progress within organizations and
across industries. Their primary method for achieving this is by
creating exclusive business conferences that gather together the world’s
smartest thinkers and doers on specific subjects.
Bank
Andara won award in Indonesia Banking Award 2013 that was conducted on
September 26, 2013 in Jakarta. Bank Andara won Good Corporate Governance
(GCG) aspect and Information Technology aspect for core capital bank
category.
Indonesia
Banking Award 2013 is the highest award appreciation to Indonesian
Banks and Indonesian Banks’ CEO (either Private Banks, State-Owned
Banks, Sharia Banks and Local Banks) that succeed in improving the
Bank’s Delta Growth Performance, also providing significant contribution
to business development, capital markets, investment and economy in
Indonesia.
Bank
Andara in 2014 has received again an appreciation awards in the
Indonesia Banking Award event. Announced on November 18, 2014, the
judgment is assessed by the Banks Association and the Institute Economic
Review Magazine for Banks, State-Owned Banks, Sharia Banks, and Local
Banks. Bank Andara grabbing the 3rd Rank for category: BUKU 1 - Non
Public Listed Company.
Bank
Oke Indonesia and 64 other National Banks on the "Infobank Awards 2018"
title received the title "Very Good" at the Royal Ambarrukmo Hotel,
Yogyakarta, Tuesday, August 14, 2018.
This
award is based on recording its best financial performance in 2017.
According to the results of a study entitled "Bank 15 Rating 2018"
conducted by the Infobank Research Bureau, the 64 banks managed to carve
out brilliant performances to get the title of "Very Good".
As
many as 64 banks out of a total of 115 banks in Indonesia won the
"Infobank Awards 2018" award for successfully recording their best
financial performance in 2017.
The "Very Good" title is the highest predicate in the Infobank version of the bank that has been done since 1995.
PT Bank Oke Indonesia (OK! Bank), based on the Infobank and Isentia Research Survey in 2018 won first place in the category of Conventional Commercial Bank Savings products “OK! Saving” in the “8th Infobank Digital Brand Awards 2019”.
The event was held on Thursday 16 May 2019 at The Westin Jakarta and
the award was received directly by Denny Setiawan Hanubrata, Business
Director of OK! Bank. Bank Oke Indonesia DNAR
Supporting Professions
PUBLIC ACCOUNTANT
Comply to Financial Services Authority Regulation No.13/POJK.03/2017
regarding the Use of Public Accountant Services and Public Accounting
Firms in Financial Services Activities, and based on the approval of the
Company's Annual General Meeting of Shareholders on May 23, 2019 by
granting power of attorney to the Board of Commissioners to appoint The
Accounting Firm that will conduct a financial audit of the Company for
the fiscal year ending December 31, 2019. The Public Accountant and the
Public Accounting Firm are:
1. AUDITING FIRM
Name: Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan
Number of Registered Certificate: STTD.KAP-00032/PM.22/2017
Address: UOB Plaza Lt.42 Jl. M.H. Thamrin Lot 8-10 Jakarta 10230
2. PUBLIC ACCOUNTANT
Name: Ary Daniel Hartanto, S.E, Ak., CA, CPA, SAS
PA Registration Number
BIRO ADMINISTRASI EFEK
PT. Ficomindo Buana Registrar
Jl. Kyai Caringin Nomor 2-A RT.11/RW.04 Cideng, Gambir, Jakarta Pusat 10150
Bank Oke Indonesia DNAR
OK! Bank Indonesia
What is microfinance?
Microfinance
refers to a variety of devices and small-scale financial services such
as loans, insurance, savings, mortgages, which are offered to low-income
clients. The most common form of microfinance is microloans, which are
small loans in the range of less than $ 100 to several hundred dollars,
often given to women, to establish or expand small businesses that are
sustainable
Who is the target of OK! Bank Indonesia service?
OK! Bank Indonesia service targets are those who still do not reach adequate access to financial services
Who are the customers of OK! Bank Indonesia?
OK!
Bank Indonesia customers are local micro finance institutions which
play the important role to reach and provide financial services to the
unbanked and under banked people in Indonesia
Why OK! Bank Indonesia chose to focus on assist in the development of the microfinance sector?
Consortium
of investors, employees, and partners of OK! Bank Indonesia have
extensive knowledge financially and socially, which puts OK! Bank
Indonesia in a strong position to trust and understand how to increase
the capacity in MFIs that do not have access to banking. It is a
challenge to provide products and services that are really needed by
MFIs and their clients to assist in the development of the microfinance
sector locally.
How does microfinance help community escape poverty?
Microfinance
is one of the most effective strategies to alleviate poverty. This
strategy has been proven and sustainable to provide low-income residents
access to capital and other financial services, which they cannot get
from large-scale commercial banks. Microfinance services help low-income
residents to start a business, collecting income and reduce their
financial risk. Bank Oke Indonesia DNAR
OK! Loan
What is OK! Loan?
OK!
Bank Indonesia loan is loan from OK! Bank Indonesia to microfinance
institutions (MFIs) to meet capital requirements, given to MFI borrowers
who meet the requirements.
Who is eligible to get OK! Loan?
Only
microfinance institutions (MFIs) such as rural bank (BPR),
Cooperatives, Credit Union, venture capital and other form of MFI are
eligible to get OK! Bank Indonesia loan.
Why choose OK! Loan?
OK!
Bank Indonesia has a primary business focus is to expand access to
financial services through microfinance institutions in terms of product
development, service and technology.
How much loan limit that can be obtained?
Credit limit that can be obtained is determined according to the results of a credit assessment by OK! Bank Indonesia.
What is the maximum OK! Loan term?
Currently, the maximum loan term is 60 months.
What requirements are necessary to obtain OK! Bank Indonesia Loan?
Applying for a loan
Has a minimum paid up capital of Rp. 500 million (five hundred million Rupiah)
Has had a business license from the institution/agency authorities
and has been in operation for at least two years, as evidenced by all
legal documents and licenses from the relevant authorities
Has the annual financial statements & monthly financial statements
Capital Adequacy Ratio (CAR) minimum of 10%
Non Performing Loan (NPL) maximum of 8%
Are there any tips to speed up the credit review decision?
OK!
Bank Indonesia Deposit is a time deposit product of OK! Bank Indonesia
with tenor options 1, 3, 6 and 12 months, offers competitive interest
rates and a variety of additional services that make OK! Bank Indonesia
Deposit an innovative deposit products.
Who is eligible to place fund in OK! Bank Indonesia Deposit?
Individual
Microfinance institutions
Institutions/Corporate/Foundation
Why choose OK! Bank Indonesia Deposit?
Because
by placing funds in OK! Bank Indonesia means have participated promote
microfinance sector in Indonesia and help provide access to financial
services to low-income communities.
What are the benefits of OK! Bank Indonesia Deposit?
Secure with guarantee from LPS*
Save because shareholders of OK! Bank
Indonesia is a large investor group such as MercyCorps, IFC, The Hivos –
Triodos Fonds, KFW, Cordaid and Developing World Markets
Interest rates are very competitive and
make your investment grow faster. The interest is calculated based on
the actual number of days (1 year 365 days counted). Also receive other
additional benefits
Automatic Roll Over (ARO)
Offers a variety of additional services for MFI's clients, such as joint training or travelling sponsorship
What are the documents requirements?
1. Individual
Deposit minimum of IDR 50.000.000 (Fifty million Rupiah)
Fill in deposit opening form
Submit additional documents such as KTP/SIM/Passport and NPWP for Indonesian Citizen, or Passport and KIMS/KITAS for foreigner
2. Institutions
Deposit minimum of IDR 100.000.000 (One hundred million Rupiah)
Fill in deposit opening form
Submit additional documents such as
KTP/SIM/Passport and NPWP of the authorized personnel also SIUP, NPWP,
Akta Pendirian Perusahaan and its latest amendment (adjusted to the type
of institution) Bank Oke Indonesia DNAR
OK! Savings
What is OK! Savings?
OK!
Savings is a savings product with the flexibility of OK! Bank Indonesia
high to accommodate the business needs of the individual customer and
the MF
OK!
Savings is one profitable investment instruments with a variety of
advantages including easy requirements compare to opening deposits, make
it easier for customers to control financial flow. In addition also get
free monthly administration fee and competitive interest rates.
Other benefits, such as:
Uncomplicated Less complicated account opening requirements either for individual/MFI/institution customers. Flexible Get the flexibility to withdraw money anytime you want – according to your needs with OK! Savings
Secure Your fund is secure and guaranteed by Lembaga Penjamin Simpanan (LPS)
Monthly Administration Fee Savers Customers OK! Savings are subject to a monthly admission fee of IDR 10,000 Free gift Get a free souvenir* for every OK! Savings account opening
What are requirements to open OK! Savings account?
Individual: KTP and NPWP (optional)
Institutions: SIUP, NPWP, Akte Pendirian Perusahaan and the latest revision
Opening balance minimum of Rp 1.000.000 (One million Rupiah)
OBB
is a form of cooperation of OK! Bank Indonesia with rural banks (“BPR”)
in which OK! Bank Indonesia serves as a coordinator bank to collect and
distribute funds from and to BPR members of OBB, which aims to maintain
the liquidity of the BPR members
Who can join OBB?
All rural banks (BPR) who is a member of DPD Perbarindo and meet membership requirements
Why must join OBB?
OBB
was established as a media of fund collection and management sourced
from the members of OBB and OK! Bank Indonesia. The goal is to keep the
liquidity risk of OBB members when a fund mismatch occurs. By joining a
member of OBB, BPR will have the ability to prevent the possibility of a
worse liquidity shortage.
Who currently member of OBB?
Now
there are 192 BPR members of OBB which divided into three regions or
areas: OBB DKI Jaya, OBB Bali and OBB West Nusa Tenggara (NTB).
What are benefits of OBB member?
1. Free periodically training from OK! Bank Indonesia 2. Free OK! LINK installation, including banner & brochure production 3. Fund placement facility in Deposito OK! Bank Indonesia 4. Uncomplicated process of OK! Bank Indonesia credit loan 5. Receive information on OK! Bank Indonesia’s latest product 6. Able to build more solid partnership with fellow BPR OBB members facilitated by OK! Bank Indonesia
What are requirements for OBB member?
Registered as a member of Perbarindo;
Located in DPD Perbarindo area who already cooperate with OK! Bank Indonesia to form OBB;
It has been in operation for at least 2 (two) years;
OK!
Corporate Internet Banking is a service from OK! Bank Indonesia which
intended to provide convenience to Corporate customer in conducting
banking transactions both financially and non-financially in real time.
What is offered by OK! Corporate Internet Banking?
OK! Corporate Internet Banking give you a very attractive service feature i.e :
Inquiry (Account, Account History, Transaction Result Inquiry)
Transfer (OK! Bank to OK! Bank, SKN, RTGS, Bulk Transfer)
Loan (Loan Inquiry, Due Date Information)
User Management (User Management, Account Management, Authentication Line Setting)
How to be able to enjoy OK! Corporate Internet Banking services?
Customer can go to the nearest OK! Bank Indonesia branch office with the step as follows :
Fill in and signing into ATM Card and Electronic Services form.
Have an active e-Mail that used on smartphone.
Have an active Mobile Phone Number that used on smartphone.
Full filling the requirement required by the Bank.
Who can register OK! Bank Corporate Internet Banking services?
OK! Bank Corporate Internet Banking is provided only for customer with :
What is OK! Personal Internet Banking & Mobile Banking?
OK!
Personal Internet Banking & Mobile Banking is a service from OK!
Bank Indonesia which intended to provide convenience for Personal
customer in conducting banking transactions both financially and
non-financially in real time.
What is offered by OK! Bank Personal Internet Banking & Mobile Banking?
OK! Personal Internet Banking & Mobile Banking give you a very attractive service feature i.e :
Inquiry (Account, Account History, Debit Card History, Transaction Result Inquiry)
Transfer (OK! Bank to OK! Bank, Online, SKN, RTGS*, Schedule Transfer)
Open Account (Time Deposit)
Online Purchase (ex : Mobile Voucher purchase)
Bill Payment (ex : Mobile Phone payment)
Loan (Loan Account, Transaction History, Due Date Information, Loan Rate)*
How to be able to enjoy OK! Personal Internet Banking services & Mobile Banking?
Customer
need to go to the nearest OK! Bank Indonesia branch office to register
by filling in the form contained at the Customer Service.
Who can register OK! Personal Banking & Mobile Banking services?
To
be able enjoying the OK! Personal Internet Banking & Mobile Banking
services, customer needs to have one of the OK! Bank Indonesia
individual account. Bank Oke Indonesia DNAR
PT Jakarta Setiabudi Internasional Tbk. ("JSI") is a real estate investment company and an operating holding company concentrating in the property and hospitality
Vision
To be a World Class Property Investment & Development Company
Mission
We Continuously Strive for Excellence
PT Jakarta Setiabudi Internasional Tbk (JSI) was founded by Mr. Darmadi in 1975
- As one of Indonesia's most prominent real estate businessman, Mr. Darmadi is known for his adherence to producing innovative, quality products and also his significant contributions to urban development.
- He pioneered developments which have led to the formation of Jakarta's commercial business district (CBD) in Thamrin and Rasuna Said, Jakarta's high-end residential area in Puri and Permata Hijau and luxurious resorts in Bali.
- The success of those developments has earned the trust and respect from international communities and lead to partnership with Mandarin Oriental, Hyatt International, Accor Asia Pacific, Itochu Corporation, Shimizu, Tokyu Land Corporation and Nomura.
- Apart from real estate, Mr. Darmadi's past and current global partners includes Nomura, Agip Oil, Shell Oil, American Cynamid, Toyobo in the finance, trading, textile, agriculture and chemical industry.
- Currently, Mr. Darmadi served as a member of Indonesia Presidential Advisory Board and is also actively involved in various non-profit organizations and community activities. His philosophy in personal and professional life is Care & Responsible, which has since become the Company’s culture.
1976 Opening of Skyline Building, the first office building in Thamrin (17,411 sqm) and the first investment made by Itochu in Indonesia.
1977 Setiabudi 1, the first office building (12,000 sqm) in Rasuna Said, Kuningan was built, which pioneered and transform the area into Jakarta's Commercial Business District (CBD)
1980 Permata Hijau Real Estate was built, a high end landed residential (78 ha) development in South Jakarta
1981 Setiabudi 2 Building (15,100 sqm) was built to expand Setiabudi 1
1983 Puri Indah Real Estate was built, a high end residential development (166 ha) in West Jakarta
1984 Following the success of Puri Indah, Taman Permata Buana (56.8 ha) was built in West Jakarta
1989 - Plaza Menteng was built, first retail shopping center (4,500 sqm) in the luxurious area of Menteng.
- Tamanpuri Setiabudi was built, a townhouse complex (40 units, 2.0 ha) strategically located at Kuningan, Jakarta
- Hotel Raddin Sanur was built, a beach resort with 196 rooms in 3.8 ha land.
1991 - Opening of Grand Hyatt Bali (636 rooms) in Nusa Dua, another investment partnered with Itochu.
- Setiabudi Atrium was built, which completed the Plaza Setiabudi complex, a landmark in Rasuna Said, comprising 3 office buildings with a total of 47,000 sqm leasable space in 2.9 ha land.
1992 Opening ceremony of Galeria Nusa Dua, one of Bali's first retail destination
1993 Tamanpuri Permata Hijau was built, a townhouse complex (51 units, 1.2 ha land) strategically located at Permata Hijau, Jakarta
1994 - Apartment Setiabudi (87 units) and Apartment Menara Budi (135 units) was built, both are strata-title apartments located in Kuningan area.
- Apartment Kuningan was built, a serviced apartment (104 units), also located in Kuningan area.
1997 Opening of Hyatt Regency Yogyakarta (269 rooms, 24.3 ha land)
1998 Initial Public Offering on the Indonesian Stock Exchange on 12th January, 1998
2002 JSI Limited Public Offering I (Right Issue I) on December 11, 2002.
2004 - Horison Hotel Ancol was rebranded into Mercure Convention Center
- Raddin Sanur was rebranded into Mercure Resort Sanur
2005 - PT Copylas Indonesia, a subsidiary of JSI, signed a MOU with Bogor Botanical Garden at the Puri Botanical Residence soft launching event, the first residential project with a botanical park concept
- JSI acquired ownership of PT Skyline Building from the Itochu Corporation, to be the majority shareholder with 65 percent ownership
- Launching of Setiabudi Residences, a 300 unit high end residential apartments in Kuningan, Jakarta
2006 - Bali Collection opening ceremony, a new entertainment and lifestyle center (25,391 sq, 8.1 ha land) in Nusa Dua, Bali.
- Opening of Hotel Formule 1 Menteng (135 rooms).
2007 Setiabudi Residences construction was finished and unit hand over to the buyers began
2008 Opening of Hotel Formule 1 Cikini (150 rooms)
2010 Launching of Hyarta Residence, a high end landed residential (72 houses) development in Yogyakarta.
2011 JSI launched Setiabudi SkyGarden, a high end residential apartment development with a total of 737 units (586 strata & 151 serviced).
2012 Formule 1 Menteng and Formule 1 Cikini was rebranded into Ibis Budget Jakarta Menteng and Ibis Budget Jakarta Cikini
2013 Following the success of Hyarta Residence, JSI launched Hyarta EcoVillage (79 houses and 9 shophouses) in Yogyakarta
2014 JSI opens POP! Hotel Kemang (110 rooms) , Jakarta and POP! Hotel Malioboro, Yogyakarta (103 rooms).
2015 - PT Belitung Resor Internasional was formed to launch new projects in Belitung.
- Setiabudi SkyGarden construction was completed and unit handover to buyers began.
2016 - JSI signed MoU with Tokyu Land Indonesia to launch a new residential development in West Jakarta
- PT Medan Raya Perkasa was formed to launch a new township development (674 ha) in Medan
2017 - JSI signed MoU with Wika for a residential development in West Jakarta
- Topping off Pop! Hotel Pemuda Semarang
- JSI awarded Most Valuable Business in 2017 by MVB
2018
- Opening of Pop! Hotel Pemuda Semarang (134 rooms)
To be a world-class property investment and development company, managerial activity of JSI adapts Good Corporate Governance practice in accordance with prevailing law in Indonesia as well as best practice in property industry.
To establish this commitment, all JSI personnel in the Company refers to transparency, accountability, responsibility, independency and fairness principles. The commitment is evident from JSI’s effort to bring added-value property service to fulfill expectation of all shareholders and stakeholders.
CORPORATE GOVERNANCE PRINCIPLES
Corporate Governance principles consist of Transparency, Accountability, Responsibility, Independency and Fairness.
The implementation of these five principles of GCG can be seen in the various activities, among others:
Transparency
The Company upholds the principle of disclosure as a form of transparency in giving relevant information to all stakeholders. One of the efforts conducted is by always updating Company website www.jsi.co.id as the gate of information for the society/ public, investors or the shareholders. Periodically, Company’s disclosures are also done by publishing Financial Statements by Quarter, Bi-annual, and Annual, as well as Annual Report, Information
Disclosure Report or Public Expose every year in order to convey information concerning Company’s development at present or in the future.
Accountability
The Company stresses the rights, obligations, authorities and responsibilities of the Board of Commissioners, Board of Directors, and the stakeholders. Meetings to make strategic decisions are conducted regularly among members of the Board of Commissioners, Board of Directors, and Management.
Responsibility
As a public company that constantly put forward the GCG principles, compliance with the laws, regulations of capital market and Indonesia Stock Exchange (IDX), regulation of regional government and regulation on taxation, must be met for the long term interests of the shareholders.
As a part of its responsibility toward the society and the surrounding environment, periodically, the Company and its subsidiaries are involved in various activities of corporate social responsibility.
Independency
The management of the Company consists of professionals who are responsible to ensure that the business activities have been performed by anticipating the needs and expectations of market and also with due regard to the Corporate Governance principles. The decision-making is done independently and objectively for the best interest of the Company and the stakeholders.
Fairness
In conducting their duties, all employees and management are required to have professionalism and high integrity. All actions must be in accordance with the applicable system and procedures in Company’s Group.
The Company has authority that have functions to implement GCG in all strategic or operational activities of the Company. Jakarta Setiabudi Internasional JSPT
