KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
26. INSTRUMEN KEUANGAN, MANAJEMEN RISIKO KEUANGAN
DAN PENGELOLAAN MODAL lanjutan26. FINANCIAL INSTRUMENTS,
RISKS MANAGEMENT AND CAPITAL MANAGEMENT continueda. Faktor dan Kebijakan Manajemen Risiko Keuangan lanjutan
a. Factors and Policies of Financial Risk Management continued
Risiko Kredit Credit Risk Grup mengendalikan eksposur risiko kredit dengan menetapkan kebijakan, dimana persetujuan atau penolakan konsumen baru dan kepatuhan atas kebijakan tersebut dipantau oleh Direksi. Sebagai bagian dari proses dalam persetujuan atau penolakan tersebut, reputasi dan jejak rekam pelanggan menjadi bahan pertimbangan. Saat ini, tidak terdapat risiko kredit yang terkonsentrasi secara signifikan. Grup mengharuskan pelanggan memberikan Bank Garansi untuk menghindari resiko kredit tak tertagih. Bank Garansi dari pelanggan masing-masing sebesar Rp11.800.000.000, Rp9.600.000.000 Rp7.715.000.000 dan Rp7.175.000.000 pada tanggal 30 Juni 2012, 31 Desember 2011, 2010 dan 2009. The Group controls its exposure to credit risk by setting its credit policy in approval or rejection of new customers and compliance is monitored by the directors. As part of the process in approval or rejection, the customer reputation and track record is taken into consideration. There are no significant concentrations of credit risk. The Group requires customers to provide Bank Guarantee in order to avoid uncollectible credit risk. Bank Guarantees from customers amounted to Rp11,800,000,000, Rp9,600,000,000, Rp7,715,000,000, and Rp7,175,000,000 as of June 30, 2012, December 31, 2011, 2010 and 2009, respectively. 30 Juni 2012June 30, 2012 Sampai dengan 30 hari 31 - 90 hari 91 - 360 hari Total Up to 30 days days days Total Pinjaman yang diberikan dan piutang: Loans and receivables Piutang usaha 20.164.882.878 9.419.163.100 2.492.141.709 32.076.187.687 Trade receivables Piutang lain-lain 382.676.080 45.530.308 102.555.883 530.762.271 Other receivables Total 20.547.558.958 9.464.693.408 2.594.697.592 32.606.949.958 Total 31 Des. 2011Dec. 31, 2011 Sampai dengan 30 hari 31 - 90 hari 91 - 360 hari Total Up to 30 days days days Total Pinjaman yang diberikan dan piutang: Loans and receivables Piutang usaha 22.362.993.362 11.012.535.873 2.247.323.143 35.622.852.378 Trade receivables Piutang lain-lain 167.486.848 - - 167.486.848 Other receivables Total 22.530.480.210 11.012.535.873 2.247.323.143 35.790.339.226 Total 31 Des. 2010Dec. 31, 2010 Sampai dengan 30 hari 31 - 90 hari 91 - 360 hari Total Up to 30 days days days Total Pinjaman yang diberikan dan piutang: Loans and receivables Piutang usaha 18.242.793.663 6.141.523.078 3.894.339.777 28.278.656.518 Trade receivables 31 Des. 2009Dec. 31, 2009 Sampai dengan 30 hari 31 - 90 hari 91 - 360 hari Total Up to 30 days days days Total Pinjaman yang diberikan dan piutang: Loans and receivables Piutang usaha 12.308.230.883 5.282.067.334 177.589.233 17.767.887.450 Trade receivablesParts
» Laporan Keuangan Konsolidasian 2009 Juni 2012
» Pendirian Perusahaan The Company’s Establishment
» Dewan Komisaris, Direksi dan Karyawan Boards of Commissioners, Directors and
» Dewan Komisaris, Direksi dan Karyawan lanjutan
» Boards of Commissioners, Directors and Employees continued
» Struktur Entitas Anak The Structure of Subsidiaries
» Struktur Entitas Anak lanjutan The Structure of Subsidiaries continued
» Penyelesaian laporan UMUM lanjutan GENERAL continued
» Completion of the consolidated financial statements
» Dasar Penyusunan Laporan Keuangan Konsolidasian
» Basis of Preparation of Consolidated Financial Statements
» Dasar Penyusunan Laporan Keuangan Konsolidasian lanjutan
» Basis of Preparation of Consolidated Financial Statements continued
» Prinsip-prinsip Konsolidasi Principles of Consolidation
» Principles of Consolidation continued Sejak Tanggal 1 Januari 2011
» Principles of Consolidation continued
» Kas dan Setara Kas Cash and Cash Equivalents
» Setara Kas yang Dibatasi Penggunaannya Restricted Cash Equivalents
» Penyisihan Kerugian SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Persediaan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Inventories SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Beban Dibayar Dimuka Prepaid Expenses
» Transaksi dengan Pihak-pihak Berelasi Transactions with Related Parties
» Sewa SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Leases SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Aset Tetap SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Fixed Assets SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Aset Tetap lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Fixed Assets continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Penurunan Nilai Aset Non-Keuangan Impairment of Non-Financial Assets
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING lanjutan
» Penurunan Nilai SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Imbalan Kerja SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Employee Benefits SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Imbalan Kerja lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Employee Benefits continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Pengakuan Pendapatan dan Beban Revenue and Expense Recognition
» Transaksi dan Saldo Dalam Mata Uang Asing
» Transactions and Balances Denominated in Foreign Currency
» Pajak Penghasilan Income Tax
» Income Tax continued IKHTISAR KEBIJAKAN
» Income Tax continued Instrumen Keuangan Financial Instruments
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING lanjutan “Instrumen Keuangan: Pengungkapan”.
» Instrumen Keuangan lanjutan Financial Instruments continued
» Financial Instruments continued Aset Keuangan lanjutan
» Financial Instruments continued Liabilitas Keuangan
» Financial Instruments continued Liabilitas Keuangan lanjutan
» Financial Instruments continued Biaya Perolehan yang Diamortisasi dari
» Informasi Segmen Segment Information
» Peristiwa Setelah Tanggal Pelaporan
» Laba per Saham IKHTISAR KEBIJAKAN
» Earnings per Share IKHTISAR KEBIJAKAN
» Penerapan standar akuntansi revisi lain
» Adoption of other revised accounting standards
» SUMBER ESTIMASI KETIDAKPASTIAN SOURCE OF ESTIMATION UNCERTAINTY
» SUMBER ESTIMASI KETIDAKPASTIAN lanjutan SOURCE
» SETARA KAS Laporan Keuangan Konsolidasian 2009 Juni 2012
» PIUTANG USAHA TRADE RECEIVABLES
» PIUTANG LAIN-LAIN OTHER RECEIVABLES
» PERSEDIAAN INVENTORIES Laporan Keuangan Konsolidasian 2009 Juni 2012
» ASET TETAP lanjutan FIXED ASSETS continued
» UTANG USAHA lanjutan TRADE PAYABLES continued
» UTANG LAIN-LAIN OTHER PAYABLES
» UTANG BANK lanjutan BANK LOANS continued
» PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk
» PT Bank CIMB Niaga Tbk lanjutan PT Bank CIMB Niaga Tbk continued
» PT Bank Ganesha PT Bank Ganesha
» PT Bank Ganesha lanjutan PT Bank Ganesha continued
» PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
» PT Bank Danamon Indonesia Tbk lanjutan PT Bank Danamon Indonesia Tbk continued
» PT Bank Central Asia Tbk PT Bank Central Asia Tbk
» PT Bank Central Asia Tbk lanjutan PT Bank Central Asia Tbk continued
» PT Bank Panin Tbk PT Bank Panin Tbk
» Pajak Dibayar dimuka Prepaid Taxes
» Beban Manfaat Pajak Penghasilan Income Tax Expense Benefit
» Pajak Tangguhan Deferred Tax
» Pajak Tangguhan lanjutan Deferred Tax continued
» LIABILITAS YANG MASIH HARUS DIBAYAR ACCRUED LIABILITIES
» UANG MUKA PELANGGAN ADVANCES FROM CUSTOMERS
» UTANG PEMBIAYAAN KONSUMEN CONSUMER FINANCING PAYABLES
» LIABILITAS IMBALAN KERJA EMPLOYEE BENEFITS LIABILITY
» LIABILITAS IMBALAN KERJA lanjutan EMPLOYEE BENEFITS LIABILITY continued
» LIABILITAS IMBALAN KERJA lanjutan EMPLOYEE BENEFITS LIABILITY continued MODAL SAHAM SHARE CAPITAL
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» PENJUALAN NETO lanjutan NET SALES continued
» BEBAN POKOK PENJUALAN COST OF GOODS SOLD
» BEBAN USAHA OPERATING EXPENSES
» Faktor dan Kebijakan Manajemen Risiko Keuangan Factors and Policies of Financial Risk Management
» Faktor dan Kebijakan Manajemen Risiko Keuangan lanjutan
» Factors and Policies of Financial Risk Management continued
» Nilai Wajar Instrumen Keuangan Fair Value of Financial Instruments
» INSTRUMEN KEUANGAN, MANAJEMEN RISIKO KEUANGAN
» Nilai Wajar Instrumen Keuangan lanjutan Fair
» Manajemen Modal Capital Management
» INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued
» LABA PER SAHAM EARNINGS PER SHARE
» PERISTIWA SETELAH TANGGAL PELAPORAN EVENTS AFTER REPORTING DATE
» PERISTIWA SETELAH TANGGAL PELAPORAN lanjutan
» EVENTS AFTER REPORTING DATE continued
» PERJANJIAN PENTING SIGNIFICANT AGREEMENTS
» TRANSAKSI DAN SALDO DENGAN PIHAK- PIHAK BERELASI
» TRANSACTIONS AND Laporan Keuangan Konsolidasian 2009 Juni 2012
» TRANSAKSI DAN SALDO DENGAN PIHAK- PIHAK BERELASI lanjutan
» STANDAR YANG TELAH DIKELUARKAN TAPI BELUM BERLAKU EFEKTIF
» STANDARDS ISSUED Laporan Keuangan Konsolidasian 2009 Juni 2012
» INFORMASI KEUANGAN Laporan Keuangan Konsolidasian 2009 Juni 2012
» THE COMPANY’S SEPARATE FINANCIAL STATEMENTS
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