Risk Management

As a multifinancing company with dynamic business, Risk Management is indeed essential to its business. Therefore, the Company has developed and applied a comprehensive risk management policy as part of effort to anticipate business risk potentially hampering the efforts to achieve the strategic goals of the company, and at the end, slow down the business growth of the Company.

Below are the risks that could be identified and the mitigation steps:

  1. Risk of Financing & Mitigation Steps

Financing activities were exposed to high risk, particularly risk of debtor's failure to fulfill the obligations. Therefore, the Company mitigated the risk emerging from its main business by channeling the credit based on prudence principle as well as applying tight financing scheme, from field survey to adequate credit analysis. Besides, the Company applied collection mechanism of various methods and levels, from sending reminder SMS ahead of the payment due of the installment, then collecting by phone and making direct visit to the consumers that fail to fulfill the payment obligation within certain period of time.If those steps were completed, the next procedure would be to take over the vehicle that becomes the collateral. The Company could help the sales of the vehicle that was taken over in order to minimize the loss and to protect the rights of the consumers whose vehicle was taken over.

  1. Risk of Funding & Mitigation Steps

Funding activity of the Company was also exposed to the risk of the difficulty of finding adequate, affordable and trustworthy sources of fund. To anticipate the risk potential, the Company has applied some steps including diversification of fund using the instruments from local and foreign banking institutions, in the forms of bilateral loan, syndicated loan, joint financing, or loan extension, as well as through capital market, such as the issuance of bonds.

  1. Risk of Operation & Mitigation Steps

The Company's business was exposed to risk of operation which was affected by various risk factors. The Company anticipated the risk by conducting review over the existing operational system and procedures to be further adjusted to the business development of the Company. Department of Business Process in that case was responsible for formulating the Standard Operational Procedure (SOP) and drafting the revision over the procedure on periodical basis.The Internal Audit Division meanwhile was responsible for reviewing the implementation of SOP to ensure the effectiveness of the implementation.

  1. Risk of Competition & Mitigation Steps

The Company in 2016 dealt with challenging situation that led to tight business competition. The Company therefore improved cooperation with the distributors and dealers in order to make breakthroughs, such as innovative financing package and aggressive expansion to widen the sales and service network to many regions in Indonesia.

  1. Risk of Macroeconomy & Mitigation Steps

Macroeconomic uncertainty has generated a risk that could hamper the sustainable business growth. Although the macroeconomic condition was beyond the Company's control, the Company anticipated the risk by consistently monitoring the economic indicators, among which were the inflation rate and interest rate, while diversifying the sources of fund and applying the hedging strategy as anticipatory measures against the fluctuating interest rate and exchange rate.

  1. Risk of Monetary Policy & Mitigation Steps

The macroeconomic situation strongly related with the implementation of monetary policy. The Company in that case has consistently monitored the issued monetary policies and reviews the impact on the business sustainability of the Company. This effort was also accompanied by the strategy of diversifying sources of fund to ensure the Company's competitiveness.

  1. Risk of Exchange Rate Volatility & Mitigation Steps

As the macroeconomic condition, the exchange rate volatility was another risk factor that was beyond the Company's control. To anticipate the risk, the Company applied hedging policy through the implementation of cross currency swap and interest rate swap transactions from floating interest rate to fixed rate to mitigate the impact of risk of exchange rate volatility to profitability of the company.

Code of Conduct of the Company

Code of Conduct of the Company is an internal guidance that binds everyone in the Company and contains the values, business ethics, work ethics, and norms relating to the conformity and compliance against the corporate policies as well as Indonesian laws. Code of conduct is designed by Board of Directors and Board of Commissioners with respect to the corporate values, namely Excellent Services, Reliability, Integrity, Accessibility, Value-Added Driven Business and Awareness, as well as with consideration to moral principles that are enacted in the company and the commitment to realize the corporate vision and mission.

As the Company's commitment to conduct the good corporate governance is in line with the universal principles, the implementation of code of conduct is aimed at guiding all management and employees in showing behavior, interacting and acting according to the rights and obligations to the stakeholders, including in serving the customers.

In addition, other goals of reinforcing the code of conduct are:

  • To develop and maintain commitment of the Company to the implementation of Good Corporate Governance in accordance to the applicable business ethics in Indonesia so as to create a favorable business environment, namely through the implementation of corporate values that lead to the establishment of corporate cultures and policies, system as well as procedures;
  • To apply and sustain understanding as well as implementation of code of conduct of the employees and management against the work ethics that facilitate the implementation of GCG practices, so as to ensure that the Company as a legal entity has operated in compliance with Indonesian laws and business ethics;
  • To develop and sustain understanding among shareholders and stakeholders relating to the corporate values and the applicable business ethics in Indonesia, in a way to promote a positive image ensuring that the Company's business practices are in compliance with the applicable regulations and business ethics in Indonesia;
  • To guide all employees and management about the making of ethical decision, so that each individual of the Company can determine every step or business decision with respect to moral and legal consequences.


Internal Audit

Unit Audit Internal

The Company has formed an Internal Audit Unit based on the Internal Audit Charter which covers the foundation of the formation, membership and scope of duties and responsibilities. The formulation of the Internal Audit Charter is designed with reference to Regulation No. IX.I.7, the Appendix of Bapepam-LK's Decision Letter No. KEP 496/BL/2008 dated 28 November 2008 concerning the Formulation and Manual of Establishing Internal Audit Unit Charter. According to the Internal Audit Charter, the scope of duties and responsibilities of the Internal Audit Unit are as follows:

  1. To formulate and to implement the plan of annual Internal Audit;
  2. To perform the audit against the operational activities according to the procedures and the implementation of internal control;
  3. To draft an audit report and present it to Board of Directors and Board of Commissioners;
  4. To conduct monitoring and evaluation over the audit findings and present the recommendations for improvements over fraud or violation found;
  5. To present recommendations about improvements and objective information about the audited activities at all management levels;
  6. To cooperate with the Audit Committee (in providing information, data and audit findings together with the external auditor);
  7. To design an evaluation program for internal audit activities;
  8. To perform special task relating to internal control implementation as assigned by President Director.

While conducting internal audit activities, the Internal Audit Unit conducts a review over the risk aspect which will be further treated as audit priorities. The results of the audit will recommend the Internal Audit Unit to execute more in-depth analysis. Afterward, the Internal Audit Unit will develop it before it finally comes to the conclusion whether further investigation is required or not to collect more detailed information related to the audited work unit.While conducting internal audit activities, the Internal Audit Unit conducts a review over the risk aspect which will be further treated as audit priorities. The results of the audit will recommend the Internal Audit Unit to execute more in-depth analysis. Afterward, the Internal Audit Unit will develop it before it finally comes to the conclusion whether further investigation is required or not to collect more detailed information related to the audited work unit.

For audit findings that require improvement, internal auditors and external auditors will recommend follow-up activities and oversee its implementation. However, for the audit findings that require further discussion, the Internal Audit Unit will report it for later discussion with the members of the Board of Directors in order to find the right solutions.

Membership & Structure of Internal Audit Unit

The Internal Audit Unit reports directly to the President Director and cooperates with the Audit Committee in performing its duties.

Heribertus Wahyu Anggono

Head of Internal Audit

Internal Audit

This unit is led by an Internal Audit Unit Head who is assisted by several qualified members. The Company has appointed Heribertus Wahyu Anggono to hold the position of Head of Company’s Internal Audit based on Decree of Dismissal and Appointment of Head of Internal Audit of PT Indomobil Multi Jasa Tbk issued by the Board of Directors on 10 December 2015. Heribertus Wahyu Anggono obtained Bachelor of Economics from Atmajaya University in year 1996. He has joined the Indomobil Group since 2002.

Internal Control

The Company implements internal controls within the Company environment as a part of its risk management strategy and as a part of its effort to develop an effective internal control framework. The Company in this case implements internal controls, inter alia, to the Company's financial reporting and compliance of the Company with laws and regulations. Implementation of internal control is expected to strengthen the implementation of corporate governance in the corporate environment. To ensure the effectiveness of the implementation of such internal controls, the Company calls for participation from various parties, from management level to employees, to implement activities and procedures stipulated by the company in accordance with its functions and authority and with high integrity.


Corporate Secretary


Maureen Oktarita

She graduated from STIE Perbanas Jakarta majoring in Accounting. She started a career at PT Bank NISP before joined PT Indomobil Finance Indonesia (a subsidiary of PT Indomobil Multi Jasa Tbk) in 2001. She was appointed as Corporate Secretary since May 3, 2019, according to Decree No. 001/IMJ/V/2019 concerning the Appointment of Corporate Secretary. Prior to her appointment as Corporate Secretary, she also held various managerial positions at PT Indomobil Finance Indonesia as Head of Corporate Finance Department (2008 - 2016), Head of Corporate Finance & Treasury Division (2016 – Present). Currently she also serves as Head of Corporate Finance & Treasury Division of PT Indomobil Multi Jasa Tbk.





The Company has appointed Maureen Oktarita, as a Corporate Secretary, with details as follows:

Address Indomobil Tower 11th floor, Jl. MT Haryono Kav.11, East Jakarta 13330 
Phone/Fax      +62 21 2918 5400 / 2918 5401
Email This email address is being protected from spambots. You need JavaScript enabled to view it.

Corporate Secretary is responsible for the following tasks:

  1. Holding GMS of the Company, meetings of Board of Directors and meetings of Board of Commissioners;
  2. Helping Board of Directors in the GCG implementation, particularly in the implementation of information disclosure to shareholders, public and all other stakeholders concerning the Company’s activity and latest development;
  3. Providing inputs to Board of Directors relating to compliance with prevailing capital market rules and regulations;
  4. Serving as contact person between the Company and the shareholders, investors, OJK, Indonesia Stock Exchange, and the public

Decision Letter of Board of Directors

The Profile of the Board of Commissioners and Board of Directors

Vision & Mission

The Leading Financial and Transportation Solutions Provider in Indonesia.

1. Promoting “Operational Excellence”

2. Implementing “Funding Diversification”
3. Developing Human Capital
4. Expanding the synergy and captive market
5. Employing the Information Technology

Company Profile

The Company established on 2 December 2005 under the name of PT Multi Tambang Abadi which engaged in the business of mining and service. In January 2013, PT Indomobil Sukses International, Tbk. (IMSI) acquired 90.00% of the Company's shares from PT Tritunggal Intipermata and acquired 9.89% of the Company's shares from PT Indomobil Manajemen Corpora.

Furthermore, in February 2013, along with the change of its business objectives, the Company changed its name into PT Indomobil Multi Jasa (herein after referred to as IMJ) with its scope of business i.e trading, automotive maintenance workshop, general consulting and services for vehicle, car rental and machines, and land transportation.

The Company has entered into the domestic stock exchange by way of Initial Public Offering (IPO), which followed by the listing of its shares by having "IMJS" as its code of shares in PT Bursa Efek Indonesia on 10 December 2013, which changed the Company's status into an Public Company.

The Company conducts its business activities in the areas of financing services, logistics and transportation business, and non-formal education / training services through its following subsidiaries:                           

  1. Financing Services
    • PT Indomobil Finance Indonesia (“IMFI”)
    • PT Hino Finance Indonesia (“HFI”)
    • PT Nissan Financial Services Indonesia (NFSI”)
    • PT Suzuki Finance Indonesia (“SFI”)
  2. Logistics and Transportation
    • Rental : PT CSM Corporatama (“CSM”)
    • Logistik : PT Seino Indomobil Logistics (“SIL”)
  3. Non-Formal Education /Training Services
    • PT Indomobil Edukasi Utama (“IEU”)
  4. Repair and Maintenance Services
    • PT. Indomobil Ekspres Truk ("IET")

Shareholding Composition

The following is the composition of the shareholders of the Company as of March 1, 2019:

PT Indomobil Sukses Internasional, Tbk.  91,97 %
PT Indomobil Manajemen Corpora   0,0001 %
Masyarakat     8,03 %
Total  100,00 %


Tanggung Jawab Sosial

Dalam menjalankan kegiatan usahanya, Perseroan berkomitmen untuk selalu memberikan kontribusi yang maksimal kepada seluruh pemangku kepentingan dengan secara konsisten menjalankan program Corporate Social Responsibility (CSR) setiap tahunnya. Perseroan berupaya mengedepankan prinsip keseimbangan dan kesetaraan dalam menjalankan kegiatan operasional perusahaan serta memperhatikan keseimbangan dengan lingkungan sekitar dan memenuhi peraturan perundangperundangan yang berlaku. Perseroan memiliki komitmen yang kuat untuk meningkatkan kualitas hidup para karyawannya dan juga masyarakat luas khususnya yang berada di wilayah operasi Perseroan dan anak-anak perusahaan melalui penyelenggaraan program-program CSR yang terorganisir dengan baik.

Struktur Organisasi Pengelolaan
Bekerja sama dengan Corporate Communication, Divisi Sumber Daya Manusia, dan divisi terkait lainnya, Corporate Secretary bertanggung jawab atas pengelolaan CSR Perseroan yang berkaitan dengan aspek pengembangan masyarakat dimana pembahasan terkait aspek tersebut dapat dilihat pada bagian Tanggung Jawab terhadap Pengembangan Sosial dan Kemasyarakatan.

Tanggung Jawab Terhadap Lingkungan
Rencana Kegiatan /Kebijakan Manajemen
Perseroan menjalin kerjasama dengan PT Multi Central Aryaguna dalam hal penggunaan material, penghematan energi, pengelolaan limbah, dan mekanisme pengaduan masalah lingkungan dalam rangka pemenuhan kewajiban tanggung jawab terhadap lingkungan.

Kegiatan yang Dilakukan:
• Penggunaan Material
Dalam hal penggunaan material, Perseroan menerapkan beberapa kebijakan, seperti penghematan air, penggunaan kertas bekas untuk mencetak dokumen-dokumen yang bersifat internal serta menggunakan email untuk membuat pengumuman-pengumuman atau melakukan sosialisasi berbagai kebijakan Perseroan. Hal ini dilakukan dalam rangka mewujudkan keseimbangan dan keserasian antara kegiatan usaha yang dijalankan Perseroan dan pelestarian lingkungan hidup.
• Penghematan Energi
Penghematan energi dilakukan dalam kegiatan operasional sehari-hari dengan cara menggunakan lampu jenis LED. Selain itu, para karyawan juga diminta untuk mematikan lampu dan pendingin ruangan (AC) saat jam pulang kantor atau ketika ruangan tidak digunakan dan menyalakan listrik dan AC hanya pada zona karyawan yang sedang lembur atau bekerja di luar jam operasional kantor.
• Sistem Pengolahan Limbah
Sebagai pemilik dan pengelola gedung kantor Perseroan, PT Multi Central Aryaguna adalah pihak yang melakukan pengelolaan limbah Perseroan. Mekanisme pengelolaan limbah sampah dilakukan dengan memisahkan sampah yang dapat didaur ulang dengan yang tidak. Selanjutnya sampah yang tidak dapat didaur ulang akan diangkut secara berkala ke Tempat Pembuangan Akhir. Khusus untuk limbah dalam bentuk cairan akan dilakukan dengan sistem Sewage Treatment Plant.
• Mekanisme Pengaduan Masalah Lingkungan
Perseroan membuka kesempatan bagi siapa saja yang ingin mengadukan permasalahan lingkungan yang berkaitan dengan kegiatan operasional Perseroan. Selanjutnya, Perseroan akan memfasilitasi dan mengkoordinasikan setiap pengaduan masalah lingkungan kepada PT Multi Central Aryaguna sebagai pemilik sekaligus pengelola gedung kantor Perseroan.

Tanggung Jawab Terhadap Ketenagakerjaan dan Kesehatan dan Keselamatan Kerja
Rencana Kegiatan /Kebijakan Manajemen
Perseroan menganggap bahwa keselamatan para karyawan dalam menjalankan aktivitas pekerjaan sangatlah penting. Oleh karena itu, selain memiliki Standard Operational Procedure (SOP) terkait dengan antisipasi penanggulangan bencana, Perseroan juga bekerja sama dengan PT Multi Central Aryaguna sebagai pemilik dan pengelola gedung dalam mengimplementasikan simulasi prosedur keselamatan dan evakuasi. Selain itu, Perseroan juga menggunakan jasa pihak Jasa Raharja, BPJS Tenaga Kerja/ Trauma Center BPJS Tenaga Kerja dan Personal Accident Allianz Indonesia.

Kegiatan yang Dilakukan:
Bekerjasama dengan PT Multi Central Aryaguna, Perseroan melakukan simulasi prosedur keselamatan dan evakuasi secara berkala sekali dalam 6 bulan.
Sedangkan di kantor Perseroan juga tersedia sarana dan prasarana keselamatan kerja, di antaranya:
1. Tabung APAR
2. Hydrant
3. Smoke detector
4. Sprinkler
5. Akses tangga darurat
6. Diagram jalur evakuasi
7. Alarm Emergency
8. P3K sebagai antisipasi apabila terjadi kecelakaan kerja.

Tingkat Turnover Karyawan
Pada tahun 2018 Perseroan mencatat jumlah karyawan sebanyak 2.367 orang. Selain itu, di tahun yang sama, Perseroan juga melakukan pemutusan hubungan kerja (mencapai usia pensiun, mengundurkan diri, diberhentikan, alasan kesehatan, contract ended, dan failed for trainee) dengan mengacu pada ketentuan perundangan yang berlaku serta berpedoman pada Perjanjian Kerja Bersama (PKB) yang mengatur tentang proses berakhirnya hubungan kerja, panduan pelaksanaan pemutusan hubungan kerja serta hak dan kewajiban karyawan ketika hubungan kerjanya berakhir.
Tingkat Kecelakaan Kerja
Keberhasilan Perseroan dalam menerapkan budaya keselamatan kerja dan konsistensinya dalam melakukan sosialisasi terkait hal tersebut di seluruh tingkatan organisasi membuahkan hasil berupa catatan nihil kecelakaan kerja di tahun 2018. Hal ini merupakan prestasi sendiri bagi Perseroan yang telah mampu meraih nihil kecelakaan kerja dalam kurun waktu beberapa tahun terakhir.

Kesetaraan Gender dan Kesempatan Kerja
Perseroan senantiasa menjalankan praktik-praktik ketenagakerjaan yang baik dan sesuai dengan peraturan perundang-undangan yang berlaku, salah satunya ditunjukkan dengan memberikan kesempatan yang sama bagi setiap karyawan untuk mengembangkan karirnya serta berpartisipasi dalam setiap program pendidikan dan pelatihan dalam rangka pengembangan kompetensi tanpa memandang gender, suku, agama atau ras.

Pendidikan dan/atau Pelatihan
Perseroan senantiasa berupaya meningkatkan kapasitas maupun kapabilitas para karyawan sesuai bidang pekerjaan melalui penyediaan program pelatihan dan pendidikan yang diselenggarakan baik internal maupun eksternal.

Perseroan menganggap bahwa setiap karyawan berhak atas kesejahteraan yang diwujudkan melalui pemberian remunerasi yang kompetitif serta memuaskan yang telah disesuaikan dengan kondisi perusahaan, regulasi mengenai standar upah minimum regional serta tingkat kesejahteraan rata-rata industri. Selain itu, Perseroan juga memberikan tunjangan kesejahteraan karyawan melalui kepesertaan dalam program Jaminan Sosial Tenaga Kerja, yang meliputi Jaminan Kecelakaan Kerja (JKK), Jaminan Hari Tua (JHT) dan Tunjangan Kematian, program asuransi kecelakaan diri dan Jaminan Pensiun.

Tanggung Jawab Terhadap Pengembangan Sosial dan Kemasyarakatan
Rencana Kegiatan /Kebijakan Manajemen
Untuk aspek pengembangan sosial dan kemasyarakatan, Perseroan menjalankan program kegiatan melalui anak-anak perusahaan yang berfokus pada harmonisasi antara bidang kemasyarakatan, sosial dan pendidikan.

Komunikasi Mengenai Kebijakan dan Prosedur Anti Korupsi
Dalam rangka memastikan agar kegiatan usaha Perseroan terlaksana sesuai dengan hukum, prudent dan sesuai dengan prinsip tata kelola yang baik maka Perseroan juga telah memiliki kebijakan anti korupsi.

Biaya yang Dikeluarkan Terkait Kegiatan Tanggung Jawab Sosial Di Bidang Pengembangan Sosial dan Kemasyarakatan
Sepanjang 2018, Perseroan telah mengeluarkan dana sebesar Rp204 juta untuk kegiatan CSR di bidang pengembangan sosial dan kemasyarakatan.

Tanggung Jawab Terhadap Pelanggan
Sebagai perusahaan yang berorientasi pada pelanggan, Perseroan senantiasa memberlakukan standar layanan tinggi yang seragam di seluruh jaringan layanan yang dimilikinya bagi konsumen dari semua lapisan masyarakat serta mengutamakan kemudahan dan aksesibilitas untuk memperoleh produk dan jasa yang ditawarkan melalui anak-anak usahanya, antara lain:
1. Jaringan Customer Care PT Indomobil Finance Indonesia (“IMFI”), baik yang berada di kantor pusat maupun kantor-kantor cabang IMFI dengan Hotline (+62)21 2918 5440, SMS (+62) 812 123 1230, dan e-mail This email address is being protected from spambots. You need JavaScript enabled to view it. serta menu “Layanan Konsumen” pada website Perseroan. www.indomobilfinance.com.
2. Layanan Emergency 24 jam dari PT CSM Corporatama (Indorent) untuk situasi darurat konsumen yang dapat diakses setiap saat dengan menghubungi 0817150130/081319585558.

Berita Tanggung Jawab Sosial:




  1. Bantuan Biaya Pendidikan Kepada Anak-anak Yayasan Kesejahteraan Penyandang Difable Indonesia (YKPDI)
  2. IMFI Salurkan Bantuan Sembako kepada Korban Banjir Bandang di Sentani, Jayapura
  3. Bantuan Air Bersih Kepada Masyarakat di Kabupeten Bojonegoro


  1. IMFI Berikan Bantuan Program Teach Cast untuk Empat Panti Asuhan di Jakarta dan Tangerang
  2. Bantuan Korban Banjir di Desa Setako Raya, Desa Raup Ranap, and Desa Batang Peranap Kabupaten Indragiri Hulu (Inhu), Riau   


  1. Join CSR Indomobil Finance - Hino Finance - Shinhan Indomobil Finance 
  2. Bantuan Kepada Masyarakat di Desa Setako Raya, Desa Raup Ranap, dan Desa Batang Peranap Kabupaten Indragiri Hulu (Inhu), Propinsi Riau
  3. IMFI Berikan Bantuan Program Teach Cast untuk Tiga Sekolah di Jawa Tengahh     


  1. Kegiatan Renovasi Sekolah di Desa Waledasem, Cirebon 
  2. Kegiatan Donor Darah 
  3. Kunjungan ke Panti Asuhan Al-Ikhwaniyah di Condet, Jakarta 
  4. IMFI Peduli : Banjir Bandang Garut


  1. Joint Corporate Social Responsibility (CSR) Event IMFI dan HFI
  2. Marathon Kegiatan CSR

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Contact Us

Indomobil Tower 11th Floor
Jl. MT Haryono Kav.11
Jakarta 13330 - Indonesia

Tel  :  +6221 29185400
Fax : +6221 29185401