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