PIUTANG USAHA PIUTANG PEMBIAYAAN KONSUMEN CONSUMER FINANCING RECEIVABLES

PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN INTERIM KONSOLIDASIAN 30 SEPTEMBER 2016 DAN 31 DESEMBER 2015, DAN PERIODE SEMBILAN BULAN BERAKHIR 30 SEPTEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS 30 SEPTEMBER 2016 AND 31 DECEMBER 2015, AND NINE-MONTH PERIODS ENDED 30 SEPTEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 41 7. PIUTANG PEMBIAYAAN KONSUMEN 7. CONSUMER FINANCING RECEIVABLES Lanjutan Continued Mutasi cadangan kerugian penurunan nilai adalah sebagai berikut: The movement in allowance for impairment loss is as follows: 30 September September 2016 31 Desember December 2015 Saldo awal 108.168 109.222 Beginning balance Penambahan cadangan 173.765 206.104 Increase in allowance Penghapusan 179.649 207.158 Written-off Saldo akhir 102.284 108.168 Ending balance Manajemen menilai bahwa cadangan kerugian penurunan nilai telah memadai untuk menutup kemungkinan kerugian dari tidak tertagihnya piutang. Management has assessed that the allowance for impairment losses is adequate to cover possible losses on uncollectible receivables. Piutang pembiayaan konsumen dijamin oleh Bukti Pemilikan Kendaraan Bermotor BPKB dari kendaraan bermotor terkait. The consumer financing receivables are secured by the related certificates of ownership BPKB of the corresponding vehicles. Pada tanggal 30 September 2016 dan 31 Desember 2015, piutang pembiayaan konsumen bruto yang dijadikan jaminan atas pinjaman bank masing-masing sebesar Rp 3.217.723 dan Rp 3.211.945 lihat Catatan 20. As at 30 September 2016 and 31 December 2015, gross consumer finance receivables pledged as collateral for bank loans amounted to Rp 3,217,723 and Rp 3,211,945, respectively see Note 20. Pada tanggalAs of 30 September September 2016 31 Desember December 2015 Tingkat suku bunga rata-rata per tahun atas piutang pembiayaan konsumen: Average interest rates per annum for consumer financing receivables: Kendaraan bermotor roda empat 19,09 20,08 Four-wheel vehicles Kendaraan bermotor roda dua 21,35 22,44 Two-wheel vehicles Pada tanggal 30 September 2016 dan 31 Desember 2015, tidak ada piutang pembiayaan konsumen dari pihak berelasi. As at 30 September 2016 and 31 December 2015, there were no consumer financing receivables from related parties. PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN INTERIM KONSOLIDASIAN 30 SEPTEMBER 2016 DAN 31 DESEMBER 2015, DAN PERIODE SEMBILAN BULAN BERAKHIR 30 SEPTEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS 30 SEPTEMBER 2016 AND 31 DECEMBER 2015, AND NINE-MONTH PERIODS ENDED 30 SEPTEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 42

8. PIUTANG SEWA PEMBIAYAAN

8. FINANCE LEASE RECEIVABLES

30 September September 2016 31 Desember December 2015 Tagihan sewa pembiayaan bruto, jatuh tempo dalam periode: Gross finance lease receivables, due in periods of: Kurang dari setahun Less than a year Rupiah 1.024.433 682.155 Rupiah Dolar Amerika Serikat 72.385 122.679 US Dollar 1 – 5 tahun 1 – 5 years Rupiah 1.380.579 655.991 Rupiah Dolar Amerika Serikat 66.130 141.149 US Dollar 2.543.527 1.601.974 Nilai sisa yang terjamin 1.148.076 763.696 Guaranteed residual value Investasi sewa pembiayaan bruto 3.691.603 2.365.670 Gross investment in finance leases Dikurangi: Less: Pendapatan sewa pembiayaan belum diakui: Unearned finance lease income: Rupiah 466.941 216.229 Rupiah Dolar Amerika Serikat 12.795 26.357 US Dollar Simpanan jaminan 1.148.076 763.696 Guarantee deposits Investasi neto dalam sewa pembiayaan, sebelum cadangan kerugian penurunan nilai 2.063.791 1.359.388 Net investment in finance leases, before allowance for impairment losses Cadangan kerugian penurunan nilai 19.041 5.362 Allowance for impairment losses Investasi neto dalam sewa pembiayaan setelah cadangan kerugian penurunan nilai 2.044.750 1.354.026 Net investment in finance leases, after allowance for impairment losses Bagian lancar 824.335 679.703 Current portion Bagian tidak lancar 1.220.415 674.323 Non-current portion Mutasi cadangan kerugian penurunan nilai adalah sebagai berikut: The movement of allowance for impairment losses is as follows: 30 September September 2016 31 Desember December 2015 Saldo awal 5.362 5.880 Beginning balance Penambahan kerugian penurunan nilai 19.688 1.496 Addition of allowance for impairment Penghapusan piutang selama tahun berjalan 6.009 2.014 Write-off of receivables during the year Saldo akhir 19.041 5.362 Ending balance Manajemen menilai bahwa cadangan kerugian penurunan nilai telah memadai untuk menutupi kemungkinan kerugian dari tidak tertagihnya piutang. Management has assessed that the allowance for impairment losses is adequate to cover losses on uncollectible receivables. Pada tanggal 30 September 2016 dan 31 Desember 2015, piutang sewa pembiayaan bruto yang dijadikan jaminan atas pinjaman bank masing-masing sebesar Rp 1.325.214 dan Rp 985.975 lihat Catatan 20. As at 30 September 2016 and 31 December 2015,gross finance lease receivables pledged as collateral for bank loans amounted to Rp 1,325,214 and Rp 985,975, respectively see Note 20. Pada tanggal 30 September 2016, terdapat piutang sewa pembiayaan bruto yang dijadikan jaminan atas medium term notes sebesar Rp 388.547 lihat Catatan 21. As at 30 September 2016, gross finance lease receivables pledged as collateral for medium term notes amounted to Rp 388,547 see Note 21.