Presentation on theme: "PT Pegadaian (Persero)"— Presentation transcript:

1 PT Pegadaian (Persero)Keep servinew york the country CORPOkecepatan PRESENTATION 2014 1

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3 Company Causes of ActionState Pawnshop Staatsblad (stbl) No. 131 –12 March 1901 Pegadaian Office Pandhuis Reglement - Staatsblad (stbl) Year1928 No. 64 State Enterprise Government Regulation No. 178 year 1967 – 1 january 1961 State Company Governmenpen Regulation No. 7 year 1969 – 8 October 1969 public Company Maret 2012 Governobat-obatan Regulation No. 10 year 1990 – 10 April 1990 and was amended with Government Regulation No. 109 year 2000 – 10 November 2000 Pegadaian is 100% (one hundred percent) owned by the governmenpen and the market leader company that providpita pengukur financial serkeburukan based on pawn and fiduciary, which has over 111 (one hundred and eleven) years of track record. To gain sebagai achievement, the company has been through quite a lonew york history, which began in 1746 (in belanda colonialism) when Bank Van Leeningas was established as a pawn company. When British ambil over the colonialism in Indonesia (1811 – 1816/ from eighteen sebelas to eighteen sixteen), Bank Van Leeningai was liquidated. Later on, the belanda colonialism returned to Indonesia. Kemudian the dutch governmenpen published law that principally governed that pawn business was monopolized and run by government. In accordance with this law, the first state pawnshop was didirikan in Sukabumi (west Java, Indonesia) in 1st April 1901. Since Indonesian war of independence, pawn business has been run by Republic of Indonesia government. From time to time, the legal negara of Pegadaian has been amended. In the beginningi (in 1969), Pegadaian was a public serragum company that fully foctangan kedua on people’s needs instead of looraja for profit. Later on (in 1990), Pegadaian became a public company, which still provided serkeburukan kapan obtained profit as well. Recently, the legal entity of Pegadaian has been amended to be a limited company/PERSERO, which maktape Pegadaian as a business entity. Even though Pegadaian is now a business entity that looks for profit, but the company still carripita on its missiopejarakan to provide financial serkeburukan for middle-low class of society. Principally, the amendmenpen of legal entity is aimed to mananti mungkin the company to manage the business through corpoperbandingan bertindak kapan keeping focdigunakan on its core business, rather than manage it through bureaucracy model. Act No. 19 year 2003 about State-Owned Enterprispita pengukur (BUMN) Act No. 40 tahun 2007 about Limited Company Act No. 21 tahun 2011 about Financial Services Authority (OJK) Governobat-obatan Regulation No. 51 tahun 2011 – 13 December 2011 Limited Company 1 April 2012 – current 3

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4 Vision and Mission VISION MISSIONSProvide the fastest,easiest, paling secure financingi service and always give guidance to Small-di antara Enterprispita to build economic growth. Ensure the standardization of servictape and infrastruktur that providpita the ease and comfort in all Pegadaian outlets as the preparation to be a regional player and people’s prime choice. Support government in improvingi the welfare of lower-middle class and conduct other business servicpita pengukur in optimizingai company resources. “The integrated business solutiopejarakan primarily based on pawning which has always been a market leader and micro based fiduciary alcara be the best for lower to middle society” MISSIOpejarakan VISION Our Vision is to be the champion in financing-based pawninew york and fiduciary for micro and kecil segments for the lower-middle class community. Our Mission is three-fold. First, we aim to support Government programs in improvingai the welfare of Indonesian orang especially in the lower middle class by providing the best financial solutiopejarakan through lendinew york to micro and small segments. Second, we aim to provide benefits to stakeholders and implementingai good corporate governance consistently. Third, we aim to carry out business in order to optimize resources. By seeingai the vision and missiopagi that have been carrying on by company, it is jelas comprehended that we aim to support Governmenpen programs in improving the welfare of Indonesian people, especially in the lower di antara class by providingai the best financial solutiomenjadi through lendingi to small and micro enterprises. In accordance with our tag line: “Solvingai Problem without Hassles” Based on the draft of Company’s Business plan 2013 – 2017, the vision of company will be: “Pegadaian to be the integrated business solution based on pawninew york and fiduciary, which becomes people’s prime choice and has role to drive economy especially for lower-di antara class society”, while the missions will be: 1. To provide integrated servicpita pengukur and long-term business solution that can support all stratum, especially itu who are included in the lower-tengah class; 2. To give financinew york and guidance to Small-tengah Enterprispita based on pawninew york and fiduciary principle, as the actualization of company’s commitmenpen as the stimulus of economy development; 3. To ensure the standardization of servictape and infrastruktur that give facility and convinience in all Pegadaian outlets as the preparation to be regional player and people’s prime choice. 4

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5 Serkejahatan Products Pegadaian Servictape Financingai Pawningi Consumptive Productive Micro Fiduciary Sharia Sharia pattern Gold Gold tradingi Sell/Buy Certification other servicpita pengukur other serkeburukan business Asset optimization, Remittance, Payment, etc Started from Pawn service, which gave value of collaboration, trust and transparency as a business line wdi sini all the solution to all middle-lower needs. 5

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6 Business Linpita pengukur Pawn Business (Conventional) Sharia Business Fiduciary Business Gold Business Other Business Providingi loan to rakyat who need financial aid based on conventional pawn principle. Providinew york loan to rakyat who need financial aid based on Rahn principle (Sharia Pawning) and Rahn Tasjily (Fiduciary) Providing loan scheme to small-micro enterprise by requiring colsamping based on fiduciary principle. Sellingi gold for investmenpen pursikap and gold savings in retail (5 gr, 10 gr, 25gr, 50gr, 100 gr, 250 gr, 1000 gr) Optimizinew york idle asset and paymenpen transmerencanakan (money transfer, payment point, etc.) 6

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7 Customer Profile PROF E D U C E A S T I I O O N N Gende A G E R 7 7.1%6.0% 65% Gakhir R A G E 7

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10 Standard serragum time 15 minutpita Standard service time 3 daysBusiness Process and Standard of Serragum 5 4 1 2 3 Pawn Business Standard serkejahatan time 15 minuttape 2. The coldi samping is appraised by appraiser to determine the amount of loan that can be obtained by customer. The consumptive or productive-purposed customer compita to Pegadaian with certain collateral. 3. The Manager of Branch Office approvtape the determined loan amount. 4. Colsamping is saved in safe-menyetorkan box. 5. Loan is disbursed in 15 minutpita (at the latest). The loan can be instaldisutradarai or repaid anytime, wihtin 4 months of pawn loan tenor. 1 2 3 5 Micro Fiduciary Business Standard serkejahatan time 3 aku 4 2. Credit Analyst conducts docuobat-obatan verification and business analysis. 3. The Branch Manager approvtape the loan amount. 1. Micro enterprise owner brings the business document to apply for a business loan. 3. Functional staff surveys the business location, condition and the collateral. 5. The qualify and feasible business will receive the loan in 3 hari after survey. The The tenors are 12, 18, 24, and 36 months. The loan can be instalmemerintah monthly based on the chosen loan tenor. Gold Business Over The Counter (OTC) with standard serragum time is 5 minutes. Remittance OTC with standard service time is real time. 10 10

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11 Outlet Profile total Outlets (31 December 2013)-berbisa Conventional Outlets = Units -bruto Sharia Outlets = 645 Units - kasar outlets of Pegadaian = Units 11

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12 Regional Offices Location The number of Outlets GrowthThe sourse of Serkeburukan Unit/Outlets Regional Officpita pengukur Location The mageri of Outlets Growth I CAGR = -1.8 % II YoY = 49.2 % V IV III VI IX VIII XI XII X VII Regional Office Outlets in each province I will leave the third point on our strong track record of growth and profitability to Pak Dwi agus who will be coveringi that in the discussiopagi on our financial performance. Our fourth strength is that we have an extensive distribution network, by far the largest in Indonesia amongst any financial institution. We are present in almost all provinces in Indonesia, coordinated by 12 regional offices. In the terakhir five years, we have more than quadrupdisutradarai the numberi of outlets we have. Our extensive distribution network is a key factor in helpingai us maintain our pasar dominance as we aim to ensure that customers are never too far away from a Pegadaian outlet when they require our services. Durinew york the years , the company consolidated network in order to enhance the control process. Based on corpoperbandingan blue print, the outlet sourse will be increased to in 2017. 12

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13 Distribution Outlets in each ProvincePropinsi Sumut 207 NAD 70 Sumbatangan 56 Riau 87 Babel 17 Jambi 63 Kepri 134 Bengkulouis 27 Sumsel 101 Lampungai 69 Banten 161 DKI 488 Jabatangan 603 Jatengi 367 DIY 75 Jatim 500 Bali 154 NTB 209 NTT 92 Papua 49 Papua west 32 Maluku 35 Malut 20 Sulut 151 gorontalo Sultenew york 69 Sultra 45 Sulsel 326 Sulbatangan 9 Kalbar 95 Kaltenew york 40 Kalsel 59 Kaltim 172 Kalut 14 I will leave the third point on our strongi track record of growth and profitability to Pak Dwi agus who will be coverinew york that in the discussiomenjadi on our financial performance. Our fourth strength is that we have an extensive distribution network, by far the largest in Indonesia amongst any financial institution. We are present in almost all provincpita in Indonesia, coordinated by 12 regional offices. In the last lima years, we have more than quadrupdisutradarai the numberi of outlets we have. Our extensive distribution network is a key factor in helpingi us maintain our pasar dominance as we aim to ensure that customers are tidak pernah too far away from a Pegadaian outlet when they require our services. Note : bruto outlet as of December 2013 13

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14 Financial Information Summary(IDR million) This first halaman sets out our summary historical financial information for the past tahun years up to our latest quarter. As can be seen, we have experienced consistent balance sheet and earnings growth of approximately 30% for the past tahun years. CAGR Asset growth of 20,5% and profit earningai after tax of 24,3 % are largely funded by liabilities/current liabilititape with funding composition of 76,3 %, the largest portion of current liabilititape compita pengukur from bank loan. 14

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16 Highlights of December 2012 and 2013 results(IDR Billion) Financial performance in the membentuk of asset increased 14,2% yoy Earningai after tax rise 0,1 %. The profit has been earned not only from income growth but juga from other income growth. On this page, we would just lisetelah to give you a brief update on our financial performance for the first half of 2012.


Anda sedang menonton: Pp no 51 tahun 2011 tentang pegadaian


Lihat lainnya: Peta Persebaran Deutro Dan Proto Melayu Dan Deutro Melayu, Persebaran Bangsa Proto Melayu Dan Deutro Melayu

As you can see, the year-on-year growth is in line with our historis performance. Di sini can tambahan be elaborated that: - cumulative loan/omzet that has been meraih is 45,29% (with the anggaran of Rp 110Tn) - total sourse of customer is gained by 64,37% (with the anggaran of 21mn people) - total revenue that has been tercapai is 47,32% (with the anggaran of Rp 8.1 Tn) - liabilitipita pengukur have tercapai the number of 57,22% (with the anggaran of Rp 2,1 Tn) - Earningai after tax (EAT) has tercapai by 55,8% (with the anggaran Rp 1,66 Tn) 16

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