Risiko Kredit Lanjutan Credit Risk Continued

These Financial Statements are Originally Issued in Indonesian Language PT MITRA INVESTINDO Tbk CATATAN ATAS LAPORAN KEUANGAN Lanjutan 31 Desember 2013 Dinyatakan dalam Rupiah, kecuali dinyatakan lain PT MITRA INVESTINDO Tbk NOTES TO FINANCIAL STATEMENTS Continued 31 December 2013 Expressed in Rupiah, unless otherwise stated 65 30. MANAJEMEN RISIKO KEUANGAN Lanjutan 30. FINANCIAL RISK MANAGEMENT Continued c. Risiko Likuiditas Lanjutan c. Liquidity Risk Continued Tabel dibawah ini menggambarkan detail jatuh tempo aset dan liabilitas keuangan: The table below shows details of maturity of financial assets and liabilities: 2013 Tidak memiliki jatuh tempo Don’t have 1 bulan 1-3 bulan 3-12 bulan 1-3 tahun 3 tahun Jumlah maturity month months months years years Total Aset keuangan Financial assets Cash and cash Kas dan setara kas 50.006.905.442 - - - - - 50.006.905.442 equivalents Piutang usaha - 15.763.162.849 2.631.085.974 1.709.015.166 - - 20.103.263.989 Trade receivables Piutang lain-lain - - 46.367.670 - - - 46.367.670 Other receivables Aset keuangan tersedia untuk Available-for-sale dijual 252.335.000 - - - - - 252.335.000 financial assets Jumlah aset keuangan 50.259.240.442 15.763.162.849 2.677.453.644 1.709.015.166 - - 70.408.872.101 Total financial assets Liabilitas keuangan Financial liabilities Pinjaman bank 10.000.000.000 - - - - - 10.000.000.000 Bank loan Utang usaha - 5.208.328.366 890.022.925 308.210.520 - - 6.406.561.811 Trade payables Utang lain-lain 1.771.703 722.676.910 1.592.120.202 - - - 2.316.568.815 Other payables Beban yang masih harus dibayar - 400.724.620 446.935.844 - - - 847.660.464 Accrued expenses Utang pembiayaan Consumer financing konsumen - 16.761.111 33.522.222 150.849.999 16.761.093 - 217.894.425 payable Utang sewa Finance lease pembiayaan - 192.446.487 391.424.766 1.874.165.756 4.719.627.337 - 7.177.664.346 payable Jumlah liabilitas Total financial keuangan 10.001.771.703 6.540.937.494 3.354.025.959 2.333.226.275 4.736.388.430 - 26.966.349.861 liabilities Perbedaan jatuh tempo 40.257.468.739 9.222.225.355 676.572.315 624.211.109 4.736.388.430 - 43.442.522.240 Difference in maturity d. Risiko Operasional d. Operational Risk Risiko operasional adalah risiko kerugian yang disebabkan oleh kegagalan sistem teknologi informasi, kesalahan karena faktor manusia, maupun kelemahan prosedur operasional dalam suatu proses. Risiko ini dapat menyebabkan terjadinya kerugian pada Perusahaan sehingga akan mempengaruhi kinerja dan tingkat kesehatan Perusahaan. Operational risk is the loss risk due to failure of information technology system, errors due to human factors, even a weakness from operational procedures in certain process. These risks may cause loss to the Company that will affect performance and healthness of the Company. Manajemen risiko yang telah diterapkan Perusahaan adalah sebagai berikut:  Menyiapkan backup dan Disaster Recovery Plan yang memadai bila terjadi hal-hal yang tidak diinginkan atas sistem aplikasi utama Perusahaan, baik dari sisi hardware dan software.  Menerapkan sistem audit kepatuhan yang berkelanjutan, baik di kantor cabang maupun kantor pusat.  Adanya penanaman nilai-nilai dasar Perusahaan sejak dini kepada karyawan, sehingga dapat menghindarkan mengurangi potensi penyimpangan.  Adanya penilaian kinerja yang fair dan transparan serta adanya kesempatan untuk pengembangan karir. Risk management that has been applied by the Company are as follows:  Preparing backup and Disaster Recovery Plan that is sufficient whenever unexpected event or condition occur towards the Company’s major application systems, both in terms of hardware and software.  Implementing a clear code of conduct SOP and strict sanctions for irregularities that occurred, according to level of error identified.  Promoting the Companys core values to employees since the early stage, in order to avoidreduce the potential for irregularities.  Fair and transparent performance appraisal and opportunities for career development. These Financial Statements are Originally Issued in Indonesian Language PT MITRA INVESTINDO Tbk CATATAN ATAS LAPORAN KEUANGAN Lanjutan 31 Desember 2013 Dinyatakan dalam Rupiah, kecuali dinyatakan lain PT MITRA INVESTINDO Tbk NOTES TO FINANCIAL STATEMENTS Continued 31 December 2013 Expressed in Rupiah, unless otherwise stated 66 30. MANAJEMEN RISIKO KEUANGAN Lanjutan 30. FINANCIAL RISK MANAGEMENT Continued