Risiko Kredit Credit Risk

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 64 30. MANAJEMEN RISIKO KEUANGAN Lanjutan 30. FINANCIAL RISK MANAGEMENT Continued b. Risiko Pasar Lanjutan b. Market Risk Continued Tabel berikut menjelaskan rincian aset dan liabilitas keuangan Perusahaan yang dikelompokkan menurut mana yang lebih awal antara tanggal repricing atau tanggal jatuh tempo kontraktual untuk melihat dampak perubahan tingkat suku bunga: Lanjutan The following table illustrates the Company’s financial assets and liabilities at carrying amounts, categorized by the earlier of contractual repricing of maturity dates to analyze the impact of changes in interest rate: Continued 2012 Tingkat bunga mengambang Floating rate Tingkat bunga tetap Fixed rate 3 bulan 3-36 bulan 3 bulan 3-12 bulan 1-2 tahun 2 tahun Jumlah months months months months Years years Total Aset keuangan Financial assets Cash and cash Kas dan setara kas 33.248.349.977 - - - - - 33.248.349.977 equivalents Liabilitas keuangan Financial liabilities Utang pembiayaan Consumer konsumen - - 33.522.222 167.611.110 217.894.437 - 419.027.769 financing payable Utang sewa pembiayaan - 7.947.186.772 348.091.183 1.064.596.026 - - 9.359.873.981 Finance lease payable Jumlah liabilitas Total financial keuangan - 7.947.186.772 381.613.405 1.232.207.136 217.894.437 - 9.778.901.750 liabilities Bersih 33.248.349.977 7.947.186.772 381.613.405 1.232.207.136 217.894.437 - 23.469.448.227 Net Tabel berikut menjelaskan sensitivitas atas kemungkinan perubahan tingkat suku bunga pasar, dengan variabel lain dianggap tetap, terhadap setara kas dan utang sewa pembiayaan: The following table illustrates the sensitivity to a reasonably possible change in market interest rates, with all other variables held constant, of the cash equivalents and finance lease payable: 2013 2012 Kenaikan suku bunga 1 100 basis poin 2.436.045.663 690.711.623 Increase in interest rate by 1 100 basis point Penurunan suku bunga 1 100 basis poin 2.436.045.663 690.711.623 Decrease in interest rate by 1 100 basis point Rincian kisaran suku bunga efektif atas masing-masing instrumen keuangan adalah sebagai berikut: The details of the range of the effective interest rate on each of the financial instruments are as follows: 2013 2012 Aset keuangan Financial assets Kas dan setara kas 2 - 10 1,75 - 6,5 Cash and cash equivalents Liabilitas keuangan Financial liabilities Utang pembiayaan konsumen 8,86 8,86 Consumer financing payable Utang sewa pembiayaan 13,52 11,75 Finance lease payable c. Risiko Likuiditas c. Liquidity Risk Risiko likuiditas adalah risiko terjadinya kerugian akibat adanya kesenjangan antara penerimaan dan pengeluaran. Terjadinya kesenjangan yang cukup besar akan menurunkan kemampuan Perusahaan untuk memenuhi liabilitasnya pada saat jatuh tempo. Manajemen risiko yang telah diterapkan Perusahaan adalah sebagai berikut: 1 Secara periodik melakukan penagihan kepada pelanggan agar melakukan pembayaran tepat waktu. 2 Mengusahakan pembelian secara kredit dan mengurangi pembelian secara tunai. Liquidity risk is the risk of suffering loss from the gap between receipt and expenditures that may decrease the Company’s ability to meet its obligations as they fall due. Risk management that has been applied by the Company are as follows: 1 Billing the customer periodically in order that they pay on a timely basis. 2 Tend to purchase on credit basis and minimize the cash transactions. 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