Company Profile 2020

PROFIL PERUSAHAAN PT JAMKRINDO
COMPANY PROFILE OF PT JAMKRINDO

2020
TABLE OF CONTENTS
1
2
DAFTAR ISI
Informasi Umum Tentang Jamkrindo
General Information About Jamkrindo
Riwayat Singkat Jamkrindo
2
4
Brief History of Jamkrindo
3 Bidang Usaha
Line of Business 8
4 Produk Usaha Penjaminan
Guarantee Business Products 12
5 Visi, Misi dan Budaya Perusahaan
Vision, Mission and Corporate Culture 16
6 Struktur Organisasi
Organizational Structure 18
7 Profil Dewan Komisaris
Board of Supervisor Council Profile 20
8 Profil Direksi
Board of Directors Profile 25
9 Profil Pejabat Eksekutif
Profile of Executive Officers 30
10 Demografi Karyawan
Employee Demographics 35 13 Kronologis Penerbitan Saham
11 Komposisi Pemegang Saham/Pemilik Chronology of Share Issuance 38
Modal
Composition of Shareholders/Capital 36 14 Struktur Grup
Group Structure 39
Owners
15 Kronologis Penerbitan Efek Lainnya
12 Daftar Entitas Anak dan Entitas
Asosiasi/Joint Venture (JV)/Special Chronology of Other Securities
Issuance
39
Purpose Vehicle (SPV)
List of Subsidiaries and Association / 37 16 Lembaga dan Profesi Penunjang
Joint Venture (JV) / Special Purpose
Vehicle (SPV)
Supporting Institutions and
Professionals
40
17 Penghargaan dan Sertifikasi
Awards and Certifications 41
18 Daftar Alamat Entitas Anak dan
Kantor Cabang / Kantor Perwakilan
List of Addresses of Subsidiaries and 44
Branch Offices/ Representative Offices
19 Informasi Pada Situs Web Perusahaan
Information on The Company’s
Website
49
20 Pendidikan dan/ atau Pelatihan
Dewan Komisaris, Direksi, Komite-
Komite, Sekretaris Perusahaan, dan
Unit Audit Internal
Education and/or Training of The 50
Board of Commissioner, Board of
Directors, Committees, Corporate
Secretary, and Internal Audit Unit
21 Ikhtisar Keuangan Penting Tahun
2015-2019
Financial Highlights 2015-2019
62
INFORMASI UMUM TENTANG JAMKRINDO
General Information About Jamkrindo
NAMA PERUSAHAAN COMPANY NAME
PT Jaminan Kredit Indonesia atau disingkat PT Jaminan Kredit Indonesia or abbreviated as
PT Jamkrindo PT Jamkrindo
BENTUK DAN STATUS BADAN USAHA FORM AND STATUS OF BUSINESS ENTITY
Perseroan Terbatas, Swasta Nasional / Limited Liability Company, National Private /
Eks BUMN Former SOEs
TANGGAL PENDIRIAN DATE OF ESTABLISHMENT

1 Juli 1970
01 July 1, 1970
DASAR HUKUM LEGAL BASIS

Akta Pendirian No. 25 tanggal 24 Februari 2020 dan Deed of Establishment No. 25 dated February 24,
diubah terakhir dengan Akta Pernyataan Keputusan 2020, and was last amended by Deed of Decree of
Para Pemegang Saham Perseroan (Persero) the Shareholders of PT Jaminan Kredit Indonesia
PT Jaminan Kredit Indonesia Tentang Perubahan (Persero) regarding Amendment to Articles of
Anggaran Dasar No. 2 tanggal 09 April 2020 yang Association No. 2 dated April 9, 2020, made before
dibuat dihadapan Dr. Isyana Wisnuwardhani Dr. Isyana Wisnuwardhani Sadjarwo, SH., MH., Notary
Sadjarwo, SH., MH., Notaris di Jakarta Pusat serta in Central Jakarta and received the Establishment
telah mendapat Pengesahan Pendirian Badan Hukum Ratification of a Limited Liability Company from the
Perseroan Terbatas dari Menteri Hukum dan HAM Minister of Justice and Human Rights of the Republic
Republik Indonesia tanggal 09 April 2020 Nomor of Indonesia on April 9, 2020, Number AHU-0066418.
AHU-0066418.AH.01.11.TAHUN 2020 AH.01.11. of 2020
DASAR HUKUM PELAKSANAAN USAHA PENJAMINAN LEGAL BASIS OF BUSINESS GUARANTEE PRACTICE
Keputusan Menteri Keuangan Nomor KEP-77/ Decree of the Minister of Finance Number KEP-
KM.10/2009 tentang Penetapan Perusahaan Umum 77 / KM.10 / 2009 concerning the Establishment
Jaminan Kredit Indonesia (Jamkrindo) Sebagai of Perusahaan Umum Jaminan Kredit Indonesia
Perusahaan Penjaminan Kredit (Jamkrindo) as a Credit Guarantee Company
BIDANG USAHA LINE OF BUSINESS

Penjaminan Guarantees
JARINGAN USAHA BUSINESS NETWORK

9 Kantor Wilayah, 56 Kantor Cabang dan 16 Kantor 9 Regional Offices, 56 Branch Offices and 16 Service
Unit Pelayanan (KUP) yang tersebar di seluruh Unit Offices (KUP) spread throughout Indonesia
Indonesia
KEPEMILIKAN OWNERSHIP
Negara Republik Indonesia dan Republic of Indonesia and
PT Bahana Pembinaan Usaha Indonesia (Persero) PT Bahana Pembinaan Usaha Indonesia (Persero)
PENYERTAAN MODAL NEGARA STATE EQUITY PARTICIPATION

Rp7.638.733.365.160,- IDR7,638,733,365,160,-
(tujuh triliun enam ratus tiga puluh delapan miliar (seven trillion six hundred thirty-eight billion seven
tujuh ratus tiga puluh tiga juta tiga ratus enam puluh hundred thirty-three million three hundred sixty-five
lima ribu seratus enam puluh Rupiah) thousand one hundred sixty Rupiah)
JUMLAH KARYAWAN NUMBER OF EMPLOYEES

1.005 orang di 2020 1,005 people in 2020
2 PROFIL PERUSAHAAN 2020

PERUSAHAAN UMUM JAMINAN KREDIT INDONESIA
KANTOR PUSAT
HE AD O FFICE
GEDUNG JAMKRINDO
JAMKRINDO BUILDING
Jl. Angkasa Blok B-9 Kav.6 Kota Baru, Bandar Kemayoran,
Jakarta Pusat 10610, Indonesia
KONTAK
CONTACT
+62 21 6540335
+62 21 6540344, 6540348
[email protected]
www.jamkrindo.co.id
MEDIA SOSIAL
SOCIAL MEDIA
pt_jamkrindo
pt_jamkrindo
Jamkrindo
Jamkrindo
2020 COMPANY PROFILE

PERUSAHAAN UMUM JAMINAN KREDIT INDONESIA 3
RIWAYAT SINGKAT JAMKRINDO
Brief History of Jamkrindo
Jamkrindo meningkatkan perannya dalam industri

penjaminan nasional sebagaimana yang tertuang
dalam Peraturan Pemerintah No.35 tahun 2018.
Jamkrindo increases its role in the national

guarantee industry as stated in Government
Regulation No. 35 of 2018.
SELAYANG PANDANG SEJARAH HISTORY OF JAMKRINDO AT A GLANCE

JAMKRINDO
PT Jaminan Kredit Indonesia, atau disebut juga dengan PT Jaminan Kredit Indonesia, or also known as Jamkrindo, is
Jamkrindo merupakan perusahaan yang memiliki fokus kegiatan a company that has a focus on business activities in the field
usaha pada bidang penjaminan kredit, baik konvensional of both conventional and sharia credit guarantee. As part of
maupun syariah. Sebagai bagian dari PT Bahana Pembinaan PT Bahana Pembinaan Usaha Indonesia (Persero), Jamkrindo
Usaha Indonesia (Persero), Jamkrindo berkomitmen secara is fully committed to implementing and supporting
penuh dalam melaksanakan dan menunjang kebijakan maupun Government policies and programs in the national economy
program Pemerintah di bidang ekonomi dan pembangunan and development field in an effort to improve the life of
nasional dalam upaya menyejahterahkan kehidupan bangsa. the nation. The implementation of these commitments was
Implementasi komitmen tersebut dilaksanakan melalui carried out through the activities of providing cash and non-
pemberian jaminan kredit bersifat tunai dan non-tunai, serta cash credit guarantees, as well as providing management
pemberian bantuan konsultasi manajemen kepada pelaku consulting assistance to Micro, Small, Medium Enterprises,
Usaha Mikro, Kecil, Menengah, dan Koperasi (UMKM dan and Cooperatives (MSMEs and Cooperatives). In an effort
Koperasi). Dalam upaya meningkatkan ekonomi masyarakat to improve the economy of the community equally and
secara merata dan memudahkan aksesibilitas, Jamkrindo terus facilitate accessibility, Jamkrindo continues to develop its
melakukan pengembangan jaringan kerja hingga ke pelosok work network to all corners of the country as well as make
negeri serta melakukan perbaikan dan pengembangan pada improvements and development on service quality.
kualitas layanan.
Jamkrindo didirikan pada pertengahan tahun 1970 sebagai Jamkrindo was established in the mid-1970s as the Cooperative
Lembaga Jaminan Kredit Koperasi (LJKK). Pada masa itu Credit Guarantee Institution/ Lembaga Jaminan Kredit Koperasi
perkembangan koperasi masih tertinggal dibandingkan (LJKK). At that time, the development of cooperatives was still
dengan perusahaan milik negara dan perusahaan swasta. behind compared to state-owned enterprises and private
Dalam perkembangannya, LJKK kemudian diubah menjadi companies. In its development, LJKK was later changed to
Perusahaan Umum Pengembangan Keuangan Koperasi Cooperative Financial Development Public Corporation/

(Perum PKK) melalui Peraturan Pemerintah No. 51 Tahun 1981 Perusahaan Umum Pengembangan Keuangan Koperasi (Perum
tanggal 23 Desember 1981 yang disempurnakan dengan PKK) through Government Regulation No. 51 of 1981 dated
Peraturan Pemerintah No. 27 Tahun 1985 tanggal 31 Mei December 23, 1981, which was perfected by Government
1985 tentang Perusahaan Umum Pengembangan Keuangan Regulation No. 27 of 1985 dated May 31, 1985, concerning
Koperasi. Public Corporation of Cooperative Financial Development.
Keberhasilan pelaksanaan fungsi dan tugas Perum PKK dalam The successful implementation of the functions and duties of
mengembangkan koperasi melalui kegiatan penjaminan kredit, Perum PKK in developing cooperatives through credit guarantee
membuat Pemerintah memperluas jangkauan pelayanan activities has made the Government expand the service
Perum PKK menjadi tidak hanya terbatas pada koperasi, tetapi coverage of Perum PKK to be limited to cooperatives and include
juga mencakup UMKM. Atas usaha tersebut, Pemerintah MSMEs. For this effort, the Government again issued a policy
kembali mengeluarkan kebijakan yang bertujuan untuk aimed to strengthen the role of Perum PKK through the issuance
memperkuat peran Perum PKK melalui penerbitan Peraturan of Government Regulation No. 95 of 2000 dated November 7,
Pemerintah No. 95 Tahun 2000 tanggal 7 November 2000 yang 2000, which at the same time changed the name of Perum PKK
sekaligus mengubah nama Perum PKK menjadi Perusahaan to become Public Corporation of Business Development Facility/
Umum Sarana Pengembangan Usaha (Perum SPU). Perusahaan Umum Sarana Pengembangan Usaha (Perum SPU).
Pada tahun 2008, Pemerintah menerbitkan Peraturan Presiden In 2008, the Government issued Presidential Regulation No. 2 of
No. 2 Tahun 2008 tanggal 26 Januari 2008 tentang Lembaga 2008 dated January 26, 2008, concerning the Guarantee Institution.
Penjaminan. Terkait dengan perubahan bisnis Perusahaan With regard to business changes, the Company no longer provides
yang tidak lagi memberikan pinjaman secara langsung kepada loans directly to MSMEs and Cooperatives through profit-sharing
UMKM dan Koperasi melalui pola bagi hasil, tetapi berfokus patterns. However, it focuses on the MSMEs and Cooperative credit
pada bisnis penjaminan kredit UMKM dan Koperasi, Perum SPU guarantee business, Perum SPU was renamed into the Indonesian
diubah namanya menjadi Perusahaan Umum Jaminan Kredit Credit Guarantee Public Corporation/ Perusahaan Umum Jaminan
Indonesia (Jamkrindo) berdasarkan Peraturan Pemerintah No. Kredit Indonesia (Jamkrindo) based on Government Regulation No.
41 Tahun 2008 tanggal 19 Mei 2008. 41 of 2008 dated May 19, 2008.
Sebagai tindak lanjut atas pelaksanaan Peraturan Presiden tersebut, As a follow up to the implementation of the Presidential Regulation,
Pemerintah melalui Departemen Keuangan memperkuat dasar the Government through the Ministry of Finance strengthened
hukum pendirian Perusahaan serta perusahaan lain dengan the legal basis for the establishment of the Company and other
bidang usaha sejenis melalui Peraturan Menteri Keuangan (PMK) companies with a similar line of business through the Minister of
No. 222/PMK.010/2008 tanggal 16 Desember 2008 sebagaimana Finance Regulation (PMK) No. 222 / PMK.010 / 2008 dated December
telah diubah dalam Peraturan Menteri Keuangan No. 99/ 16, 2008, as amended in the Minister of Finance Regulation No. 99
PMK.010/2011 tanggal 8 Juli 2011 tentang Perusahaan Penjaminan / PMK.010 / 2011 dated July 8, 2011, concerning Credit Guarantee
Kredit dan Perusahaan Penjaminan Ulang Kredit. Melalui regulasi Companies and Credit Re-Guarantee Companies.Through the
tersebut, Jamkrindo wajib memiliki izin usaha sebagai Perusahaan regulation, Jamkrindo was required to have a business license as
Penjaminan Kredit. Menindaklanjuti aturan tersebut, Menteri a Credit Guarantee Company. Following up on the regulation, the
Keuangan menerbitkan Keputusan (KMK) No. KEP-77/KM.10/2009 Minister of Finance issued a Decree (KMK) No. KEP-77 / KM.10 /
tanggal 22 April 2009 yang menetapkan izin usaha Jamkrindo 2009 dated April 22, 2009, which stipulated the business license of
sebagai Perusahaan Penjaminan Kredit. Jamkrindo as a Credit Guarantee Company.
Di tahun 2016, Pemerintah meluncurkan Undang-Undang No. In 2016, the Government launched Law No. 1 of 2016 dated
1 Tahun 2016 tanggal 19 Januari 2016 tentang Penjaminan, January 19, 2016, concerning Guarantees, as a form of the
sebagai bentuk keseriusan Pemerintah dalam memayungi Government’s seriousness in covering and institutionalizing
dan melembagakan industri penjaminan yang terus the guarantee industry that continued to develop in line with
mengalami perkembangan sejalan dengan pertumbuhan the growth of financial services in Indonesia.
jasa keuangan di Indonesia.
Pada tahun 2018, Pemerintah menerbitkan Peraturan In 2018, the Government issued Government Regulation No.
Pemerintah No.35 tahun 2018 tentang Perusahaan Umum 35 of 2018 concerning Perusahaan Umum (Perum) Jaminan
(Perum) Jaminan Kredit Indonesia, peraturan ini diterbitkan Kredit Indonesia. This regulation was issued in order to
guna meningkatkan peran Jamkrindo dalam industri increase the role of Jamkrindo in the national guarantee
penjaminan nasional sebagai upaya untuk mensukseskan industry to succeed in Government policies and programs
kebijakan dan program Pemerintah di bidang ekonomi dan in the national economy and development sector. The
pembangunan nasional. Pemerintah memandang Jamkrindo Government viewed Jamkrindo as necessary to develop
perlu melakukan pengembangan usaha dengan menambah its business by adding the Company’s business activities
kegiatan usaha Perusahaan sesuai dengan perkembangan dan according to current developments and needs, to support
kebutuhan saat ini, untuk menunjang kebijakan dan program Government policies and programs in the national economy
Pemerintah di bidang ekonomi dan pembangunan nasional. and development.

Pada tahun 2020 Presiden Republik Indonesia Joko Widodo resmi In 2020, President of the Republic of Indonesia, Joko Widodo,
mengubah badan hukum Perusahaan Umum Jaminan Kredit officially changed the legal entity of Perusahaan Umum
Indonesia atau Jamkrindo menjadi Perseroan Terbatas melalui Jaminan Kredit Indonesia or Jamkrindo to a Limited Liability
PP No. 11/2020 yang telah diundangkan pada 17 Februari 2020. Company through PP No. 11/2020 which was promulgated on
Keputusan ini dikuatkan melalui Keputusan Menteri Hukum dan February 17, 2020. This decision was upheld through the Decree
Hak Asasi Manusia Republik Indonesia Nomor AHU-00011484. of the Minister of Justice and Human Rights of the Republic of
AH..01.01 Tahun 2020 Tentang Pengesahan Pendirian Badan Indonesia Number AHU-00011484.AH..01.01 of 2020 concerning
Hukum Perseroan Terbatas Perusahaan Perseroan (Persero) Ratification of the Establishment of a Legal Entity of a Limited
PT Jaminan Kredit Indonesia atau disingkat PT Jamkrindo Liability Company of PT Jaminan Kredit Indonesia or abbreviated
(Persero). Akta pendirian perusahaan perseroan PT Jaminan as PT Jamkrindo (Persero). The deed of establishment of PT
Kredit Indonesia (Persero) ditandatangani di gedung Jaminan Kredit Indonesia (Persero) was signed at the building of
Kementerian BUMN, Jakarta pada 24 Februari 2020. the Ministry of SOEs, Jakarta, on February 24, 2020.
Kemudian di 09 April 2020, Akta Pendirian PT Jamkrindo (Persero) Then on April 9, 2020, the Deed of Establishment of
No. 25 tanggal 24 Februari 2020 mengalami perubahan dengan PT Jamkrindo (Persero) No. 25 February 24, 2020,
dikeluarkannya Akta Pernyataan Keputusan Para Pemegang amended with the issuance of Deed of Decision of the
Saham Perseroan (Persero) PT Jaminan Kredit Indonesia Tentang Shareholders of PT Jaminan Kredit Indonesia (Persero)
Perubahan Anggaran Dasar No. 2 tanggal 09 April 2020 yang concerning the amendment to Article of Association
menjadikan bergantinya status dan nama Jamkrindo menjadi No. 2 dated April 9, 2020, which changed the status and
PT Jamkrindo. Dengan adanya akta tersebut pemegang saham name of Jamkrindo into PT Jamkrindo. With this deed,
PT Jamkrindo berubah menjadi: the shareholders of PT Jamkrindo changed to:
a. Negara Republik Indonesia sebanyak 1 (satu) lembar a. The Republic of Indonesia as much as 1 (one) Dwiwarna
saham seri A Dwiwarna, dengan nilai nominal seluruhnya series A share, with a total nominal value of Rp. 1,365,160
Rp.1.365.160,- (satu juta tiga ratus enam puluh lima ribu (one million three hundred sixty- five thousand one
seratus enam puluh Rupiah); dan hundred sixty Rupiah); and
b. PT Bahana Pembinaan Usaha Indonesia (Persero) sebanyak b. PT Bahana Pembinaan Usaha Indonesia (Persero) as
7.638.732 (tujuh juta enam ratus tiga puluh delapan ribu much as 7,638,732 (seven million six hundred thirty-
tujuhratus tiga puluh dua) lembar saham seri B, masing- eight thousand seven hundred thirty-two) series B
masing saham dengan nilai nominal sebesar Rp.1.000.000,- shares, each with a nominal value of Rp.1,000,000.-
(satu juta Rupiah), sehingga keseluruhannya menjadi senilai (one million Rupiah), so that the whole amounted to
Rp.7.638.732.000.000,- (tujuh triliun enam ratus tiga puluh Rp.7,638,732,000,000 (seven trillion six hundred thirty-
delapan miliar tujuh ratus tiga puluh dua juta Rupiah) eight billion seven hundred thirty-two million Rupiah).
PT Jamkrindo merupakan perusahaan penjaminan yang PT Jamkrindo is a guarantee company which is currently a
saat ini merupakan anggota holding Indonesia Financial member of the holding of the Indonesia Financial Group
Group (IFG) dengan induk holding PT Bahana Pembinaan (IFG) with the holding company of PT Bahana Pembinaan
Usaha Indonesia (Persero). Usaha Indonesia (Persero).
PERUBAHAN NAMA PERUSAHAAN THE CHANGE OF THE COMPANY’S NAME

Kronologi proses perubahan nama Jamkrindo sejak awal The chronology of the name change process of Jamkrindo
berdiri hingga saat ini seperti yang telah diuraikan di atas since its inception until now - as described above - was as
adalah sebagai berikut: follows:
yy Perusahaan pada awalnya didirikan dengan nama yy The Company was originally established under the name of
Perusahaan Umum Pengembangan Keuangan Koperasi the Cooperative Financial Development Public Corporation
(Perum PKK), didirikan sesuai dengan Peraturan Pemerintah (Perum PKK), established according to Government
No. 51 Tahun 1981 yang merupakan peleburan dari Lembaga Regulation No. 51 of 1981, which was a merger of the
Jaminan Kredit Koperasi (LJKK) yang dibentuk tahun 1970. Cooperative Credit Guarantee Institution (LJKK) which was
Peraturan Pemerintah tersebut kemudian disempurnakan formed in 1970. The Government Regulation was then
melalui Peraturan Pemerintah No. 27 Tahun 1985. refined through Government Regulation No. 27 of 1985.
yy Nama Perusahaan diubah menjadi Perusahaan Umum yy The Company name was changed to the Public
Sarana Pengembangan Usaha (Perum SPU) berdasarkan Corporation of Business Development Facility (Perum
Peraturan Pemerintah No. 95 Tahun 2000. SPU) based on Government Regulation No. 95 of 2000.
yy Nama Perusahaan kembali diubah, menjadi Perusahaan yy The Company name was changed again, becoming
Umum Jaminan Kredit Indonesia (Jamkrindo) seperti the Indonesian Credit Guarantee Public Corporation
yang dikenal saat ini, melalui diterbitkannya Peraturan (Jamkrindo) as it is known today, through the issuance of
Pemerintah No. 41 Tahun 2008. the Government Regulation No. 41 of 2008.

2020 April 2020
PT Jamkrindo
Akta Pendirian No. 25 tanggal 24 Februari
2020 dan diubah terakhir dengan Akta
Pernyataan Keputusan Para Pemegang
Saham Perseroan (Persero) PT Jaminan Kredit
Indonesia Tentang Perubahan Anggaran
Dasar No. 2 tanggal 09 April 2020
Deed of Establishment No. 25 dated February
24, 2020, and was last amended by Deed
Februari 2020 2020
PT Jamkrindo (Persero)
of Decision of the Company’s Shareholders
of PT Jaminan Kredit Indonesia concerning Presiden Republik Indonesia Joko
Amendment to Articles of Association No. 2 Widodo resmi mengubah badan hukum
dated April 9, 2020 perusahaan menjadi perseroan melalui
PP No. 11/2020 dan Akta Pendirian
No.25 tanggal 24 Februari 2020.
2008
President of the Republic of Indonesia,
Joko Widodo, officially changed
the company’s legal entity into a
Perusahaan Umum Jaminan limited liability company through PP
Kredit Indonesia (Perum Jamkrindo) No. 11/2020 and Deed of Establishment
No. 25 dated February 24, 2020.
berdasarkan Peraturan Pemerintah No. 41
Tahun 2008
Indonesian Credit Guarantee Public

Corporation (Perum Jamkrindo)
based on Government
2000
Perusahaan Umum Sarana
Regulation No. 41 of 2008 Pengembangan Usaha (Perum SPU)
berdasarkan Peraturan Pemerintah No.
95 Tahun 2000
1981 Perusahaan Umum

Public Business Development
Facility Company (Perum SPU)
Pengembangan based on Government Regulation No.
Keuangan Koperasi (Perum PKK) 95 of 2000
Peleburan dari Lembaga Jaminan Kredit
Koperasi (LJKK) yang dibentuk tahun 1970
Public Corporation for Cooperative

Financial Development (Perum PKK)
Which was a fusion of the Cooperative Credit
Guarantee Institution (LJKK) formed in 1970
yy Tahun 2020 Presiden Republik Indonesia Joko Widodo yy In 2020, President of the Republic of Indonesia, Joko
resmi mengubah badan hukum perusahaan menjadi Widodo, officially changed the Company’s legal entity into
perseroan melalui PP No. 11/2020 yang telah diundangkan a limited liability company through PP No. 11/2020, which
pada 17 Februari 2020 sehingga nama Jamkrindo berubah was promulgated on February 17, 2020, so that the name
menjadi PT Jamkrindo (Persero). of Jamkrindo changed to PT Jamkrindo (Persero).
yy 09 April 2020 melalui Akta tentang Perubahan Anggaran yy April 9, 2020, through the Deed on the Amendments to
Dasar nama PT Jamkrindo (Persero) berubah menjadi the Articles of Association, the name of PT Jamkrindo
PT Jamkrindo. (Persero) changed to PT Jamkrindo.

BIDANG USAHA
Line of Business
KEGIATAN USAHA BERDASARKAN BUSINESS ACTIVITIES BASED ON
ANGGARAN DASAR: PENERIMA JAMINAN ARTICLES OF ASSOCIATION: GUARANTEE
RECIPIENTS
Berdasarkan Akta No 2, tanggal 09 April 2020 Tentang According to Deed No. 2, April 9, 2020, concerning Amendments
Perubahan Anggaran Dasar dalam pasal 3 disebutkan Maksud to the Articles of Association in Article 3, the Purpose and
dan Tujuan Serta Kegiatan Usaha sebagai berikut: Objectives and Business Activities are stated as follows:
1. Maksud dan Tujuan Perseroan ini adalah untuk 1. The Company has the purpose and objectives to carry
melaksanakan kegiatan usaha Penjaminan bagi Usaha out business guarantee activities for Micro, Small and
Mikro, Kecil, dan Usaha Menengah, serta Koperasi, Medium Enterprises, as well as Cooperatives, Guarantee
Penjaminan bagi Badan Usaha Milik negara, Penjaminan for State-Owned Enterprises, Warehouse Receipt System
Sistem Resi Gudang, dan penjaminan lainnya serta Guarantees, and optimizing the utilization of Company
optimalisasi pemanfaatan sumber daya Perseroan resources based on the Corporate Governance
berdasarkan prinsip tata kelola perusahaan. principles.
2. Untuk mencapai maksud dan tujuan sebagaimana 2. To carry out the purpose and objectives as referred to in
dimaksud pada ayat (1), Perusahaan melakukan kegiatan paragraph (1), the Company carries out the main business
usaha utama sebagai berikut: activities as follows:
a. Penjaminan kredit, pembiayaan atau pembiayaan a. Credit guarantee, conservative financing, or financing
berdasarkan Prinsip Syariah yang diberikan oleh based on Sharia Principles provided by financial
lembaga keuangan kepada Usaha Mikro, Usaha Kecil, institutions to Micro, Small and Medium Enterprises
dan Usaha Menengah, serta Koperasi and Cooperatives;
b. Penjaminan pinjaman yang disalurkan oleh Koperasi b. Loan guarantee channeled by savings and loan
simpan pinjam atau Koperasi yang mempunyai unit cooperatives or cooperatives that have a savings and
usaha simpan pinjam kepada anggotanya; loan business unit for its members;
c. Penjaminan kredit dan/atau pinjaman program c. Credit guarantee and/or partnership program
kemitraan yang disalurkan oleh badan usaha milik loans are distributed by state-owned enterprises
negara dalam rangka program kemitraan dan bina in partnership and community development
lingkungan; programs;
d. Penjaminan surat utang kepada Usaha Mikro, Usaha d. Guarantee of debt securities for Micro, Small and
Kecil, dan Usaha Menengah, serta Koperasi; Medium Enterprises, and Cooperatives;
e. Penjaminan pembelian barang secara angsuran yang e. Guarantee of goods purchase in installments made
dilakukan kepada Usaha Mikro, Usaha Kecil, dan to Micro, Small, and Medium Enterprises, and
Usaha Menengah, serta Koperasi; Cooperatives;
f. Penjaminan transaksi dagang yang dilakukan kepada f. Guarantee of trade transactions carried out
Usaha Mikro, Usaha Kecil, dan Usaha Menengah, serta to Micro, Small, and Medium Enterprises, and
Koperasi; Cooperatives;
g. Penjaminan pengadaan barang dan/atau jasa surety g. Guarantee of the procurement of surety bond goods
bond yang dilakukan kepada Usaha Mikro, Usaha and/or services carried out for Micro, Small, and
Kecil, dan Usaha Menengah, serta Koperasi; Medium Enterprises, and Cooperatives;
h. Penjaminan bank garansi (kontra bank garansi) yang h. Guarantee of Bank Guarantees (Counter-the Bank
dilakukan kepada Usaha Mikro, Usaha Kecil, dan Guarantees) made to Micro, Small and Medium
Usaha Menengah, serta Koperasi; Enterprises, and Cooperatives;
i. Penjaminan surat kredit berdokumen dalam negeri i. Guarantee of domestic documented letters of
yang dilakukan kepada Usaha Mikro, Usaha Kecil, dan credit for Micro, Small and Medium Enterprises, and
j. Penjaminan letter of credit yang dilakukan kepada j. Guarantee of letters of credit made to Micro, Small
Usaha Mikro, Usaha Kecil, dan Usaha Menengah, serta and Medium Enterprises, and Cooperatives;
Koperasi;

k. Penjaminan kepabeanan (Custom bond) yang k. Customs guarantees (Custom bonds) carried out
dilakukan kepada Usaha Mikro, Usaha Kecil, dan to Micro, Small, and Medium Enterprises, and
l. Penjaminan cukai yang dilakukan kepada Usaha l. Excise guarantees carried out to Micro, Small and
Mikro, Usaha Kecil, dan Usaha Menengah, serta Medium Enterprises, and Cooperatives;
Koperasi;
m. Penjaminan pembiayaan kepada usaha rintisan (start m. Financing guarantees for start-up businesses that
up business) yang memenuhi kriteria Usaha Mikro, meet the criteria of Micro, Small, and Medium
Usaha Kecil, dan Usaha Menengah, serta Koperasi; Enterprises, and Cooperatives;
n. Penjaminan layanan pinjam meminjam uang n. The guarantee of IT-based money lending services
berbasis teknologi informasi yang diberikan kepada provided to Micro, Small and Medium Enterprises,
Usaha Mikro, Usaha Kecil, dan Usaha Menengah, serta and Cooperatives;
Koperasi;
o. Penjaminan dalam rangka sinergi antara Perseroan o. Guarantee in the context of synergy between the
dengan badan usaha milik negara lain; Company and other state-owned enterprises;
p. Penjaminan sistem resi gudang; p. Guarantee of warehouse receipt system;
q. Penjaminan kredit atau pembiayaan berdasarkan q. Credit guarantee or financing based on Sharia
Prinsip Syariah kepada perorangan sesuai dengan Principles to individuals according to the purposes
maksud dan tujuan Perseroan; and objectives of the Company;
r. Pemberian jasa konsultasi manajemen terkait dengan r. Provision of management consulting services related
kegiatan usaha Penjaminan; to Guarantee business activities;
s. Pemeringkatan, konsultasi manajemen, jasa s. Rating, management consulting, management
manajemen, pendampingan/pemberdayaan, serta services, assistance/empowerment, as well as other
layanan lainnya bagi Usaha Mikro, Usaha Kecil, dan services for Micro, Small, and Medium Enterprises,
Usaha Menengah serta Koperasi; dan and Cooperatives; and
t. Kegiatan usaha utama lainnya setelah mendapat t. Other main business activities after obtaining
persetujuan dari Otoritas Jasa Keuangan dan/atau approval from the Financial Services Authority and/or
instansi terkait sesuai dengan kewenangannya. related institutions according to their authority.
3. Kegiatan usaha utama Perseroan tersebut diatas dapat 3. The main business activities of the Company can be
dilakukan dalam bentuk Penjaminan bersama (co- carried out in the form of a joint guarantee (co-guarantee)
guarantee) kecuali kegiatan usaha utama sebagaimana except for the main business activities, as referred to in
dimaksud pada ayat (2) huruf r dan huruf s. paragraph (2) point r and s.
4. Selain kegiatan usaha utama sebagaimana dimaksud 4. In addition to the main business activities, as referred to
pada ayat (2), Perseroan dapat melaksanakan kegiatan in paragraph (2), the Company can carry out business
usaha dalam rangka optimalisasi pemanfaatan sumber activities to optimize the utilization of the Company’s
daya Perseroan. resources.

Dalam upaya mencapai maksud dan tujuan tersebut, In an effort to achieve these purposes and objectives,
Perusahaan dapat menyelenggarakan beberapa kegiatan the Company can conduct several business activities and
usaha dan kebijakan pengembangan usaha untuk business development policies to support financing. The
mendukung pembiayaan. Berikut disampaikan pelaksanaan following is the implementation of business activities and
kegiatan usaha dan kebijakan pengembangan usaha yang business development policies that have been carried out.
telah dilakukan.
Telah/Belum
Kegiatan Usaha Berdasarkan Anggaran Dasar Dijalankan Keterangan
No
Business Activities Based on Articles of Association Has or has not Description
been performed
1 Penjaminan kredit, pembiayaan atau pembiayaan berdasarkan Terdapat pada produk Penjaminan Kredit
Prinsip Syariah yang diberikan oleh lembaga keuangan kepada Umum, Penjaminan Kredit Mikro, Penjaminan
Usaha Mikro, Usaha Kecil, dan Usaha Menengah, serta Koperasi Kredit Usaha Rakyat
Credit guarantee, conservative financing, or financing based on a Available on General Credit Guarantee
Sharia Principles provided by financial institutions to Micro, Small products, Micro Credit Guarantee, People’s
and Medium Enterprises and Cooperatives Business Credit Guarantee
2 Penjaminan pinjaman yang disalurkan oleh Koperasi simpan Terdapat pada produk Penjaminan Kredit
pinjam atau Koperasi yang mempunyai unit usaha simpan pinjam Multiguna KKLK
kepada anggotanya; Available on the KKLK Multipurpose Credit
Loan guarantees channeled by savings and loan cooperatives a Guarantee products
or cooperatives that have a savings and loan business unit to its
members;
3 Penjaminan kredit dan/atau pinjaman program kemitraan yang Penyaluran program kemitraan
disalurkan oleh badan usaha milik negara dalam rangka program Distribution of partnership programs
kemitraan dan bina lingkungan;
Credit guarantee and/or partnership program loans distributed a
by state-owned enterprises in partnership and community
development programs;
4 Penjaminan surat utang kepada Usaha Mikro, Usaha Kecil, dan
Usaha Menengah, serta Koperasi;
Guarantee of debt securities for Micro, Small and Medium
r r
Enterprises, and Cooperatives;
5 Penjaminan pembelian barang secara angsuran yang dilakukan Terdapat pada produk Penjaminan Kredit OTO
kepada Usaha Mikro, Usaha Kecil, dan Usaha Menengah, serta Available on OTO Credit Guarantee products
Koperasi
Guarantee of goods purchase in installments made to Micro,
a
Small, and Medium Enterprises, and Cooperatives
6 Penjaminan transaksi dagang yang dilakukan kepada Usaha Terdapat dalam produk Penjaminan Distribusi
Mikro, Usaha Kecil, dan Usaha Menengah, serta Koperasi Barang
Guarantee of trade transactions carried out to Micro, Small, and a Available on Goods Distribution Guarantee
Medium Enterprises, and Cooperatives; products
7 Penjaminan pengadaan barang dan/atau jasa surety bond yang Terdapat pada produk Surety Bond, Surety Bond
dilakukan kepada Usaha Mikro, Usaha Kecil, dan Usaha Menengah, Co-Guarantee, Penjaminan Kredit Konstruksi
serta Koperasi dan Pengadaan Barang/ Jasa.
Guarantee of the procurement of surety bond goods and/or
services carried out for Micro, Small, and Medium Enterprises, and
a Available on products of Surety Bond,
Surety Bond Co-Guarantee, Guarantee of
Cooperatives; Construction Loans, and Procurement of
Goods / Services.
8 Penjaminan bank garansi (kontra bank garansi) yang dilakukan Terdapat dalam produk Penjaminan Kredit
kepada Usaha Mikro, Usaha Kecil, dan Usaha Menengah, serta Kontra Bank Garansi, Penjaminan Kredit
Koperasi Kontra Bank Garansi Co-Guarantee
Guarantee of Bank Guarantees (Counter- Bank Guarantees) made a Available on products of Credit Guarantee of
to Micro, Small and Medium Enterprises, and Cooperatives; Counter- Bank Guarantee, Credit Guarantee of
Counter- Bank Guarantee of Co-Guarantee
9 Penjaminan surat kredit berdokumen dalam negeri yang
dilakukan kepada Usaha Mikro, Usaha Kecil, dan Usaha Menengah,
serta Koperasi r r
Guarantee of domestic documented letters of credit carried out to
Micro, Small and Medium Enterprises, and Cooperatives;
10 Penjaminan letter of credit yang dilakukan kepada Usaha Mikro,
Usaha Kecil, dan Usaha Menengah, serta Koperasi
Guarantee of letters of credit made to Micro, Small and Medium
r r

Telah/Belum
Kegiatan Usaha Berdasarkan Anggaran Dasar Dijalankan Keterangan
No
Business Activities Based on Articles of Association Has or has not Description
been performed
11 Penjaminan kepabeanan (Custom bond ) yang dilakukan kepada Terdapat pada produk Customs Bond
Usaha Mikro, Usaha Kecil, dan Usaha Menengah, serta Koperasi Available on Customs Bond
Customs guarantees (Custom bonds) carried out to Micro, Small, a
and Medium Enterprises, and Cooperatives;
12 Penjaminan cukai yang dilakukan kepada Usaha Mikro, Usaha Terdapat pada produk Customs Bond
Kecil, dan Usaha Menengah, serta Koperasi Available on Customs Bond
Excise guarantees carried out to Micro, Small and Medium a
13 Penjaminan pembiayaan kepada usaha rintisan (start up business) Terdapat pada produk Penjaminan Kredit
yang memenuhi kriteria Usaha Mikro, Usaha Kecil, dan Usaha Umum, dan Penjaminan Kredit Mikro
Menengah, serta Koperasi
Financing guarantees for start-up businesses that meet the criteria
a Available on General Credit guarantee, and
Micro Credit Guarantees products
of Micro, Small, and Medium Enterprises, and Cooperatives;
14 Penjaminan layanan pinjam meminjam uang berbasis teknologi Terdapat pada produk Penjaminan Kredit
informasi yang diberikan kepada Usaha Mikro, Usaha Kecil, dan Mikro
Usaha Menengah, serta Koperasi
The guarantee of IT-based money lending services provided to
a Available on Micro Credit Guarantee products
Micro, Small and Medium Enterprises, and Cooperatives;

15 Penjaminan dalam rangka sinergi antara Perusahaan dengan Terdapat dalam produk Surety Bond,
badan usaha milik negara lain Penjaminan Bersama KUR, Penjaminan
Guarantee in the context of synergy between the Company and
other state-owned enterprises;
a Pembiayaan Invoice
Available in Surety Bond, KUR Joint Guarantee,
Invoice Financing Guarantee products
16 Penjaminan sistem resi gudang sesuai ketentuan peraturan Terdapat pada produk Penjaminan Kredit
perundang-undangan Subsidi Resi Gudang
Guarantee of warehouse receipt system in accordance with the a Available on the Warehouse Receipt Subsidy
provisions of legislation; Credit Guarantee product
17 Penjaminan kredit atau pembiayaan berdasarkan Prinsip Terdapat pada produk Penjaminan Kredit
Syariah kepada perorangan sesuai dengan maksud dan tujuan Multiguna, Penjaminan Kredit Arrum
Perusahaan; Available on Multipurpose Credit Guarantee,
Credit guarantee or financing based on Sharia Principles to a Arrum Credit Guarantee products
individuals according to the purposes and objectives of the
Company;
18 Pemberian jasa konsultasi manajemen terkait dengan kegiatan Dilakukan oleh korporasi
usaha Penjaminan Conducted by the corporation
Provision of management consulting services related to Guarantee a
business activities;
19 Pemeringkatan, konsultasi manajemen, jasa Dilakukan oleh Divisi Manajemen Risiko dan
manajemen,pendampingan/pemberdayaan, serta layanan PUKM
lainnya bagi Usaha Mikro, Usaha Kecil, dan Usaha Menengah serta Conducted by the Risk Management and
Koperasi
Rating, management consulting, management services,
a PUKM Division
assistance/empowerment, as well as other services for Micro,

Small, and Medium Enterprises, and Cooperatives; and
20 Kegiatan usaha utama lainnya setelah mendapat persetujuan dari Penjaminan Bersama KUR
Otoritas Jasa Keuangan dan/atau instansi terkait sesuai dengan KUR Joint Guarantee
kewenangannya
Other main business activities after obtaining approval from a
the Financial Services Authority and/or related institutions in
accordance with their authority.
a = telah dijalankan / Has been performed r = belum/tidak dijalankan / Has not been performed

PRODUK USAHA PENJAMINAN
Guarantee Business Products
Penjaminan kredit adalah kegiatan pemberian jaminan atas Credit Guarantee is the activity of providing guarantees for
pemenuhan kewajiban finansial penerima kredit (terjamin) the fulfillment of the Credit Recipient’s financial obligations
kepada penerima jaminan. Proses penjaminan kredit (Guaranteed) to the Guarantee Recipient. The Credit
melibatkan sekurang-kurangnya 3 (tiga) pihak, yaitu badan Guarantee Process involves at least 3 (three) parties, namely
usaha pemberi kredit yang disebut penerima jaminan, the credit providing business entity called the Guarantee
debitur kredit yang disebut terjamin, dan perusahaan Recipient, the credit debtor called the Guaranteed, and the
penjamin kredit yang disebut penjamin. Credit Guarantee Company called the Guarantor.
SKEMA PENJAMINAN KREDIT

SCHEME OF CREDIT GUARANTEE
Proses Penjaminan Kredit Credit Guarantee Process
PT JAMKRINDO
GUARANTOR
PENERIMA JAMINAN TERJAMIN

GUARANTEE RECIPIENT GUARANTED
Lembaga Keuangan atau diluar Lembaga Keuangan
Financial Institutions or Other aside from Financial Institutions
Prinsip dasar penjaminan kredit adalah pengambilalihan The basic principle of Credit Guarantee is the takeover of
atas risiko kegagalan terjamin dalam memenuhi kewajiban the risk of the guaranteed’s failure in fulfilling its financial
finansialnya kepada penerima jaminan, namun tidak obligations to the Guarantee Recipient but does not
menghilangkan kewajiban finansial terjamin kepada eliminate the guaranteed’s financial obligations to the
penerima jaminan sampai penerima jaminan menyatakan Guarantee Recipient until the Guarantee Recipient states
kredit terjamin tersebut lunas. the Guaranteed Credit is paid off.
Penjaminan kredit diperlukan oleh penerima jaminan pada Credit Guarantee is required by the Guarantee Recipient
saat permohonan kredit dari terjamin dinyatakan layak oleh when the loan application from the Guaranteed is declared
penerima jaminan akan tetapi belum memenuhi syarat feasible by the Guarantee Recipient but has not met the
administrasi perkreditan perbankan, khususnya dari sisi banking credit administration requirements, especially
pemenuhan kecukupan agunan (unbankable). in terms of the fulfillment of the collateral adequacy
(unbankable).

Jenis-jenis Produk usaha Penjaminan antara lain sebagai Types of Guarantee business products, among others,
berikut: as following:
Kegiatan Keterangan
Activities Description
Penjaminan Kredit Usaha Kredit/Pembiayaan Modal Kerja dan/atau investasi kepada UMKMK di bidang usaha yang
Rakyat (KUR) produktif dan layak,namun belum bankable yang dijamin oleh Perusahaan Penjamin. Penyaluran
Guarantee of People’s KUR diharapkan dapat membantu pengembangan usaha produktif.
Business Credit (KUR) Credit/Financing of Working Capital and/or investment to MSMEs and Cooperatives in a
productive and feasible business field, but not yet bankable, which is guaranteed by the
Guarantee Company. KUR distribution is expected to help the development of productive
businesses.
Penjaminan KPR Penjaminan terhadap penyaluran kredit pemilikan rumah yang merupakan program kerjasama
Sejahtera FLPP antara Pihak Perbankan dengan Kementerian Pekerjaan Umum dan Perumahan Rakyat Republik
KPR Sejahtera Guarantee Indonesia dengan suku bunga rendah, cicilan ringan dan tetap sepanjang jangka waktu kredit
- Housing Financing yang diperuntukan bagi masyarakat berpenghasilan rendah.
Liquidity Facility (FLPP) Guarantee on housing loan distribution is a collaboration program between the Bank and the
Ministry of Public Works and Public Housing of the Republic of Indonesia. This guarantee is
given with low-interest rates and light and fixed installments throughout the period of credit
and is intended for low-income communities.
Penjaminan Sistem Resi Kegiatan pemberian jaminan kepada Pengelola Gudang atas Kewajibannya kepada petani dalam
Gudang melakukan pengelolaan barang komoditas.
Warehouse Receipt Guarantee activities to Warehouse Managers for their Obligations to farmers in managing
System Guarantee commodity goods.
Penjaminan Kredit Penjaminan atas kredit/pembiayaan yang diberikan oleh Penerima Jaminan Lembaga Keuangan
Umum Lainya (Non Bank) kepada Terjamin untuk keperluan tambahan Modal Kerja dan/atau Investasi
General Credit dalam rangka peningkatan dan pengembangan usaha Terjamin,yang proses penjaminannya
Guarantee dilakukan secara kasus per kasus
Guarantee on credit/financing provided by the Guarantee Recipient of Other Financial
Institution (Non-Bank) to the Guaranteed for additional Working Capital and/or Investment to
the guaranteed business improvement and development, in which the guarantee process is
carried out on a case-by-case basis
Penjaminan Kredit Mikro Penjaminan atas kredit yang diberikan oleh Penerima Jaminan kepada Terjamin Pengusaha
Micro Credit Guarantee Mikro dan Kecil, untuk keperluan Modal Kerja dan/atau investasi dalam rangka peningkatan dan
pengembangan usaha Produktif, yang jumlah plafond kredit sesuai dengan ketentuan kredit
mikro di Penerima Jaminan, yang proses pengajuan penjaminannya dilakukan secara otomatis
bersyarat (Conditional Automatic Cover/CAC).
Credit Guarantee provided by the Guarantee Recipient to the Guaranteed of Micro and Small
Entrepreneurs, for Working Capital and/or investment to productive businesses improvement
and development, in which the credit limit is according to the microcredit provisions at the
Guarantee Recipient. The guarantee application process is carried out automatically conditional
(Conditional Automatic Cover/CAC).
Penjaminan Kredit Penjaminan atas kredit/pembiayaan yang diberikan oleh Penerima Jaminan kepada Terjamin
Konstruksi & Pengadaan untuk keperluan tambahan modal kerja usaha jasa konstruksi dan pengadaan barang/jasa
Barang/Jasa sesuai dengan kontrak kerja antara Terjamin dengan Bowheer (pemilik proyek), yang sumber
Guarantee of pengembaliannya berasal dari dana APBN/APBD/BUMN atau swasta nasional.
Construction Credit Guarantee on credit/financing provided by the Guarantee Recipient to the Guaranteed for
& Goods/Services additional working capital of the construction services and goods/services procurement
Procurement according to the work contract between the Guaranteed and Bowheer (the project owner),
which its source of the return originates from the funds of State/Regional Budget or State-
Owned Enterprises or national private.

Kegiatan Keterangan
Penjaminan Kredit Penjaminan atas kredit/pembiayaan yang diberikan oleh Penerima Jaminan untuk Lembaga
Multiguna Keuangan Lainya (Non Bank) kepada Terjamin, perorangan (pegawai tetap suatu Perusahaan/
Multipurpose Credit instansi Pemerintah) baik yang penyalurannya dilakukan secara langsung maupun melalui
Guarantee lembaga lainya, yang sumber pengembaliannya dengan cara memotong gaji Terjamin dan
proses pengajuan penjaminannya dilakukan secara kolektif
Guarantee on credit/financing provided by the Guarantee Recipient of Other Financial
Institutions (Non-bank) to the Guaranteed, individuals (permanent employees of a Company/
Government institution) whose distribution is done directly or through other institutions, and
the source of the return is deducted from the guaranteed’s wages. The guarantee application
process is done collectively.
Penjaminan Distribusi Penjaminan kredit untuk kredit/pembiayaan ditribusi yang diberikan oleh perusahaan fabrikan
Barang (manufaktur) kepada distributor yang mendistribusikan barang. (analisa penjaminan dilakukan
Goods Distribution dengan case by case)
Guarantee Credit guarantees for credit/financing of distribution given by manufacturing companies to
distributors who distribute goods. (guarantee analysis is done on a case by case)
Penjaminan Bank Penjaminan yang diberikan Penjamin (Jamkrindo) kepada Penerima Jaminan (Bank) yang bersifat
Garansi/Kontra Garansi tanpa syarat (unconditional) dan Penjamin akan membayar ganti rugi kepada Penerima Jaminan
Guarantee of the Bank atas tuntutan pencairan Bank Garansi (BG) yang diajukan Obligee ketika Terjamin wanprestasi
Guarantee /Counter A guarantee given by the Guarantor (Jamkrindo) to the Guarantee Recipient (Bank) that is
Bank Guarantee unconditional and the Guarantor will pay compensation to the Guarantee Recipient for the Bank
Guarantee (BG) disbursement claim submitted by the Obligee when the Guaranteed has defaulted.
Surety Bond Suatu perjanjian 3 pihak antara Penjamin atas dasar keyakinan kepada Terjamin secara bersama-
sama berjanji kepada Obligee bahwa apabila Terjamin oleh sebab suatu hal menjadi lalai
atau gagal melaksanakan pekerjaan sesuai dengan yang diperjanjikan dengan Obligee, maka
Penjamin akan bertanggung jawab terhadap Obligee untuk menyelesaikan kewajiban-kewajiban
Terjamin tersebut
A three-parties agreement between the Guarantor on the basis of the belief to the Guaranteed
jointly pledged to the Obligee that if the Guaranteed for any reason becomes negligent or
fails to carry out work according to as promised to the Obligee, then the Guarantor will be
responsible to the Obligee to settle the Guaranteed’s obligations
Payment Bond Jaminan yang diterbitkan oleh Penjamin untuk menjamin Terjamin melakukan pembayaran
kepada Penerima Jaminan atas fasilitas dana talangan Penerima Jaminan baik yang berasal dari
Penerima Jaminan atau sumber pembiayaan lain yang ditunjuk oleh Penerima Jaminan.
Guarantee issued by the Guarantor to guarantee the Guaranteed’s payment to the Guarantee
Recipient for the bailout facility given to the Guarantee Recipients whose funding source is
from the Guarantee Recipients or other funding source designated by the Guarantee Recipients
Customs Bond Jaminan atas fasilitas kepabeanan, fasilitas penangguhan/pembebasan bea masuk barang &
import dan pemungutan bea masuk barang lainnya kepada Obligee (Direktorat Jenderal Bea
Cukai) apabila Terjamin (importir/produsen eksportir) tidak menyelesaikan kewajibannya
Guarantee on customs facilities, facilities for suspension/exemption of goods import duty,
and collection of other goods import duty to the Obligee (Directorate General of Customs and
Excise) if the Guaranteed (importer/producer of exporter) does not complete its obligations.
Penjaminan Keagenan Penjaminan yang diberikan kepada Penerima Jaminan (Perusahaan Penyedia Jasa Pengangkutan)
Kargo atas kewajiban terjamin (Agen Kargo) dalam melakukan pembayaran ongkos angkut barang
Cargo Agency Guarantee kepada Penerima Jaminan
A guarantee that is given to the Guarantee Recipient (the Transportation Service Provider)
for the guaranteed’s obligations (Cargo Agent) in making payment of freight costs to the
Guarantee Recipient.
Penjaminan Invoice Penjaminan untuk menjamin kewajiban pembayaran terjamin berdasarkan pada invoice yang
Financing diterbitkan oleh penerima jaminan
Invoice Financing A guarantee to guarantee the Guaranteed’s payment obligations based on invoices issued by
Guarantee the Guarantee Recipient
Penjaminan Pembiayaan Penjaminan antara para pihak berdasarkan prinsip syariah sebagaimana diatur dalam Fatwa DSN
Syariah MUI No. 74/DSN-MUI/I/2009
Sharia Financing Guarantee between the parties based on sharia principles as stipulated in the MUI DSN Fatwa
Guarantee No. 74 / DSN-MUI / I / 2009

Kegiatan Keterangan
Penjaminan Supply Chain Penjaminan atas Kredit yang diberikan oleh Penerima Jaminan kepada Terjamin dalam rangka
Financing pengerjaan/penyelesaian proyek, pengambilalihan piutang/tagihan, pengadaan barang dan/
Guarantee of Supply atau jasa, pembelian barang dan/atau jasa, berdasarkan kontrak atau dokumen sejenis dari
Chain Financing Perusahaan Inti tertentu berupa KMK pre Financing, KMK Post Financing dan KMK Distributor.
The Guarantee Recipient gives credit Guarantee to the Guaranteed for the project work/
completion, acquisition of receivables/bills, procurement of goods and/or services, purchase of
goods and/or services, based on contracts or similar documents from the certain Core Companies
in the form pre-financing Working Capital Credit/KMK, Post Financing KMK, and KMK Distributor.
Penjaminan Penjaminan atas pembiayaan untuk modal kerja dan investasi yang dipergunakan untuk
Kemaritiman /Jaring kegiatan dibidang Kelautan dan Perikanan.
Maritime/Fisheries Guarantee on financing for working capital and investment used for activities in the field of
Guarantee Marine and Fisheries.
Penjaminan Pembiayaan Penjaminan atas kredit/pembiayaan guna memiliki kendaraan bermotor yang diberikan oleh
Otomotif lembaga keuangan lainya dengan tujuan modal kerja dan/atau investasi atau multiguna
Automotive Financing Guarantee on credit/financing for owning a motorized vehicle given by other financial
Guarantee institutions with the aim of working capital and/or investment or multipurpose
Penjaminan Kredit Kegiatan pemberian jaminan kepada terjamin (Petani, Kelompok Tani, Gabungan Kelompok Tani,
Skema Subsidi Resi dan Koperasi) atas fasilitas kredit Skema Subsidi Resi Gudang yang disalurkan oleh penerima
Gudang jaminan (Bank Pelaksana/Lembaga Keuangan Non Bank Penyalur Kredit SSRG) dengan agunan
Credit Guarantee on resi gudang yang diterbitkan Melalui Sistem Resi Gudang (SRG) sesuai Undang-undang No. 9
Subsidy Scheme of tahun 2011 tentang Sistem Resi Gudang beserta perubahannya
Warehouse Receipt The activity of giving guarantee to the guaranteed (Farmers, Farmer Groups, Farmers Group
Associations, and Cooperatives) for credit facilities of the Warehouse Receipt Subsidized
Scheme distributed by the Guarantee Recipient (Executing Banks/Non-Bank Financial
Institutions of SSRG Credit Distributors) with warehouse receipt collaterals issued through the
Warehouse Receipt System (SRG) according to Law No. 9 of 2011 concerning the Warehouse
Receipt System and its amendments
Penjaminan Kredit Resi Penjaminan yang diberikan kepada Terjamin atas Kredit Resi Gudang yang disalurkan
Gudang oleh Penerima Jaminan dengan agunan resi gudang yang diterbitkan: Melalui Sistem Resi
Warehouse Receipt Gudang (SRG) sesuai Undang-undang No. 9 tahun 2011 tentang Sistem Resi Gudang beserta
Credit Guarantee perubahannya; atau Oleh Pengelola Agunan melalui perjanjian kerja sama pengelolaan agunan
antara Terjamin, Penerima Jaminan dan Pengelola Gudang (Collateral Management Agreement/
CMA).
Guarantee of Warehouse Receipt Credit given to the Guaranteed channeled by the Guarantee
Recipient with warehouse receipt issued through the Warehouse Receipt System (SRG) as
collateral according to Law No. 9 of 2011 concerning Warehouse Receipt System and its
amendments. The Collateral Manager can also give this type of guarantee through a Collateral
Management Agreement (CMA) between the Guaranteed, the Guarantee Recipient, and the
Warehouse Management.
Penjaminan Fintech Penjaminan atas layanan pinjam meminjam uang berbasis teknologi informasi yang disalurkan
Fintech Guarantee oleh lender melalui penyelenggara (peer to peer lending) kepada borrower
Guarantee on information technology-based money lending services that are channeled by the
lenders through the organizer (peer to peer lending) to the borrower.
Penjaminan KPR Penjaminan terhadap penyalur Kredit Pemilikan Rumah yang diberikan oleh Penerima Jaminan
Guarantee of House Lembaga Keuangan Lainnya (Non Bank) kepada Terjamin yang fasilitas pembiayaannya
Ownership Loans digunakan untuk membeli rumah, rumah susun/apartemen, rumah kantor, rumah toko atau
untuk kebutuhan konsumtif lainnya dengan jaminan/agunan berupa rumah, rumah susun/
apartemen, rumah kantor, rumah toko
Guarantee of the House Ownership Loan Distributor given by the Guarantee Recipient of
Other Financial Institutions (Non-Bank) to the Guaranteed, whose financing facilities are used
to buy houses, flats/apartments, office houses, shop houses or other consumptive needs with
collateral in the form of houses, flats/apartments, office houses, or shophouses.
Penjaminan Capital Penjaminan atas portofolio kredit dalam 1 (satu) coverage penjaminan sebagai salah satu bentuk
Management Guarantee Mitigasi Risiko Kredit (MRK) Bank.
(CMG) Guarantee on the loan portfolio in 1 (one) guarantee coverage as one of the Bank’s Credit Risk
Guarantee on Capital Mitigation (MRK).
Management Guarantee
(CMG)

VISI, MISI DAN BUDAYA PERUSAHAAN
Vision, Mission and Corporate Culture
Dalam rangka menjamin terlaksananya kegiatan usaha yang In order to guarantee the implementation of professional
profesional berdasarkan Surat Pengesahan dari Kementerian business activities based on the Approval Letter from the
BUMN No: S-286/MBU/05/2019 tentang Persetujuan dan Ministry of SOEs No. S-286 /MBU /05/2019 concerning the
Pengesahan Rencana Jangka Panjang Perusahaan (RJPP), Approval and Ratification of the Company’s Long-Term Plan
maka Visi dan Misi Jamkrindo sebagai berikut: (RJPP), then the Vision, and Mission of Jamkrindo are as
follows:
PERSETUJUAN MANAJEMEN KUNCI ATAS

VISI DAN MISI PERUSAHAAN
Visi, Misi & Nilai Perusahaan telah mendapatkan
VISI VISION
dukungan dan persetujuan bersama dari Dewan
Pengawas dan Direksi Perusahaan, berdasarkan
Menjadi pilihan utama pelaku usaha
Surat Pengesahan dari Kementerian BUMN No:
dalam layanan penjaminan untuk
S-286/MBU/05/2019 tentang Rencana Jangka mendukung pertumbuhan dan
Panjang Perusahaan (RJPP) Jamkrindo Tahun pemerataan perekonomian nasional.
Buku 2019-2023.
Becoming the First Choice of Business
Players in Guarantee Services to Support
Growth and Equalization of National
Economy.
MISSION MISI
Meningkatkan aksesibilitas finansial
UMKMK melalui penyediaan
penjaminan yang inovatif, kompetitif
dengan pelayanan profesional, efektif THE KEY MANAGEMENT APPROVAL
dan efisien secara berkelanjutan OF THE COMPANY’S VISION AND
MISSION
Improving MSMEs’ and Cooperatives’
Financial Accessibilities through The Company’s Vision, Mission & Values
have received support and joint approval
the provision of Guarantee, which
from the Board of Supervisor Council and
is Innovative, Competitive with a
Board of Directors of the Company, based
Professional, Effective, and Efficient on the Approval Letter from the Ministry of
Services sustainably. SOEs No: S-286 / MBU / 05/2019 concerning
the Corporate Long-Term Plan (RJPP) of
Jamkrindo for the 2019-2023 Fiscal Year.

BUDAYA PERUSAHAAN
CORPORATE CULTURE
Budaya perusahaan Jamkrindo terdiri dari 6 (enam) butir The corporate culture of Jamkrindo consists of 6 (six) items of
nilai-nilai budaya yang dianut Perusahaan, yaitu budaya cultural values adopted by the Company, namely the culture
“AKHLAK”. of “AKHLAK.”
Integritas / Integrity
A
Terpercaya / Trustworthy
Memegang teguh kepercayaan Bertanggungjawab / Responsibility
yang diberikan Komitmen / Commitment
AMANAH Uphold the trust given Akuntabilitas / Accountability
Trusted Jujur / Honest
Disiplin / Discipline
Profesional / Professional
K
KOMPETEN Terus belajar dan Fokus Pelanggan / Customer Focus
Competent mengembangkan kapabilitas Pelayanan Memuaskan / Satisfying Service
Continue to learn and develop Unggul / Superior
capabilities Excellent / Excellent
Smart / Smart
H
Saling peduli dan
menghargai perbedaan Peduli / Care
Mutual care and respect for Keberagaman / Diversity
HARMONIS differences
Harmonious
L
LOYALITAS Berdedikasi dan mengutamakan
Loyalty kepentingan Bangsa dan Negara Dedikasi / Dedication
(Rela Berkorban / Willing to sacrifice)
Dedicated and prioritizing the
interests of the Nation and the Country Kontribusi / Contribution
A
Terus berinovasi dan antusias
menggerakan ataupun menghadapi
Inovatif / Innovative
perubahan
Agile / Agile
Continue to innovate and be
ADAPTIF enthusiastic about moving or facing Adaptif / Adaptive
Adaptive changes
K
KOLABORATIF
Collaborative Membangun kerja sama yang
Kerjasama / Cooperation
sinergis
Build synergistic cooperation Sinergi / Synergy

STRUKTUR ORGANISASI
Organizational Structure
Struktur organisasi Perusahaan telah disahkan melalui The Company’s organizational structure has been ratified
Ketetapan Direksi No. 01/KD/1/V/2018 tanggal 30 Mei 2018 through the Directors Decree No. 01 / KD / 1 / V /2018 dated
tentang Struktur Organisasi Perusahaan Umum (Perum) 30 May 2018 concerning Organizational Structure of Public
Jaminan Kredit Indonesia. Berikut struktur organisasi Corporations (Perum) for Indonesian Credit Guarantees. The
Perusahaan per 31 Desember 2019: following is the Company’s organizational structure as of
December 31, 2019:
Dewan
Pengawas
Syariah
The Board
Of Sharia
Supervisor
Council Direktorat Operasional &
Direktorat Bisnis Penjaminan Jaringan
Director of Business of Director of Operations &
Guarantee Network
AMIN MAS’UDI KADAR WISNUWARMAN
Divisi Divisi Divisi Divisi Divisi Teknik & Divisi Divisi

Bisnis 1 Bisnis 2 Bisnis 3 Penunjang Administrasi Jaringan & Teknologi
Business Business Business Bisnis Bisnis Layanan Informasi
Division 1 Division 2 Division 3 Business Engineering Network Information
Support & Business and Technology
Hafizah Suwarsito M. Kisworo
Division Administration Service Division
Division Division
Muldianto
Mahfudh Hamim Bugi Hadi
Sudiyono Afianto Aribowo
Fungsional Desk Penjamin Desk Penjamin Desk

Functional Syariah SRG Subrogasi
Sharia Guarantee SRG Guarantee Subrogation
Desk Desk Desk
Yanti Henry Nur Achmad
Rachmawati Irianto Muhlison

Direktorat Utama
President Director
RANDI ANTO
Direktorat MSDM, Umum, Direktorat Keuangan, Investasi

& Kepatuhan & Manajemen Risiko
Director of HRM, General Director of Finance, Investment
Affairs and Compliance and Risk Management
SULIS USDOKO I. RUSDONOBANU
Sekretaris Satuan Divisi Divisi Divisi Divisi Divisi Divisi Divisi Manajemen Divisi Klaim
Perusahaan Pengawasan Perencanaan Manajemen Umum Hukum dan Keuangan Akuntansi Risiko (PUKM)
Intern Strategis Sumber Daya General Kepatuhan dan
Corporate Internal Strategic Manusia Affairs Legal and Investasi Accounting Risk Management Claim
Secretary Control Unit Planning (MSDM) Division Compliance Finance and Division (PUKM) Division Division
Division HRM Division Division Investment
Abdul Mohamad
Division
Bari Adhy Alia Erna Lusy M. Natsir Diana Ceriandri Widuri Alexandry
Prayitno Nur Fitri Zubaida Susanti Rahmadi Aribowo Mayawati
Wilayah / Regional Kantor Cabang Khusus / Special Branch Office
Cabang Tipe A/B/C/D / Branch Type A/B/C/D
Unit Pelayanan / Service Unit

PROFIL DEWAN KOMISARIS
Board of Supervisor Council Profile

Sri Mulyanto
Komisaris Utama dan Komisaris Independen
Chairman and Independent Board of Independent Commissioner
Periode Jabatan: 27 Oktober 2017 – 26 Oktober 2022, Periode Pertama
Term of Office: October 27, 2017 - October 26, 2022, First Period
Warga negara Indonesia

Indonesian citizens
62
KLATEN
tahun
years old Domisili / Domicile
Jakarta Selatan, DKI Jakarta, Indonesia
South Jakarta, DKI Jakarta, Indonesia
8 Oktober
October 8, 1958 Keahlian / Expertise
Ekonomi / Economy
RIWAYAT PENUNJUKAN APPOINTMENT HISTORY

yy Jabatan Ketua Dewan Pengawas diemban sejak 27 Oktober 2017 yy The position of the Chairman of the Board of Supervisor Council has
melalui Keputusan Menteri Negara BUMN No. SK-233/MBU/10/2017 been carried out since October 27, 2017, through the Decree of the
tanggal 27 Oktober 2017 tentang Pemberhentian dan Pengangkatan State Minister of SOEs No. SK-233 / MBU / 10/2017 dated October 27,
Ketua Dewan Pengawas Perum Jamkrindo. Jabatan Ketua Dewan 2017, concerning the Dismissal and Appointment of Chairman of the
Pengawas ini merupakan periode pertama. Board of Supervisor Council of Perum Jamkrindo. This was his first
period serving as Chairman of the Board of Supervisor Council.
yy S esuai Keputusan Menteri Badan Usaha Milik Negara Nomor. SK- yy In accordance with the Decree of the Minister of State-Owned Enterprises
51/MBU/02/2020 tanggal 21 Februari 2020 tentang Pengangkatan Number. SK-51 / MBU / 02/2020 dated February 21, 2020 concerning
Anggota-Anggota Direksi dan Dewan Komisaris Perusahaan (Persero) the Appointment of Members of the Board of Directors and Board of
PT Jaminan Kredit Indonesia. Commissioners of the Company (Persero) PT Jaminan Kredit Indonesia.
PENDIDIKAN EDUCATION
yy (S2) Master of Economic Policy and Planning, Northeastern University, yy Master of Economic Policy and Planning, Northeastern University,
Boston, Amerika Serikat (1993) Boston, United States of America (1993)
yy (S1) Sarjana Ekonomi Universitas Sebelas Maret, Surakarta (1983) yy Bachelor of Economics of Universitas Sebelas Maret, Surakarta (1983)
PENGALAMAN KERJA WORK EXPERIENCES

Direktur Umum dan SDM PT Pegadaian (Persero) (2012-2017), Komisaris Director of General Affairs and HR of PT Pegadaian (Persero) (2012-2017),
PT Antam (2011-2012), Komisaris PT Jasa Raharja (2008-2012), Asisten Commissioner of PT Antam (2011-2012), Commissioner of PT Jasa Raharja
Deputi Bidang Usaha Jasa III, Kementrian BUMN (2010), Asisten Deputi (2008-2012), Assistant Deputy for Services Business III, the Ministry of
Urusan Usaha Asuransi, Kementrian BUMN (2006), Asisten Deputi Urusan SOEs (2010), Assistant Deputy for Insurance Business Affairs, the Ministry
Usaha Jasa Konstruksi, Kementrian BUMN (2002). of SOEs (2006), Assistant Deputy of Construction Services Business Affairs,
the Ministry of SOEs (2002).
SERTIFIKASI PROFESI DAN PROGRAM PENGEMBANGAN PROFESSIONAL CERTIFICATION AND COMPETENCY DEVELOPMENT
KOMPETENSI TAHUN 2019 PROGRAM IN 2019
yy Full Day Seminar Auditor’s Talk untuk penguatan peran Satuan yy Full-Day Seminar of Auditor’s Talk to strengthen the role of the Internal
Pengawas Internal (SPI) BUMN, 9 Mei 2019, Komisi Pemberantasan Control Unit (SPI) of SOEs, Jakarta, May 9, 2019, the Ministry of SOEs.
Korupsi (KPK)
yy Innovation and Cooperation in Financing SME’S, 26 - 27 September yy SME’s Innovation and Cooperation in Financing, September 26-27,
2019, Forum ke - XXIV Ibero-American Forum on Guarantee and 2019, the XXIV Ibero-American Forum on Guarantee and Financing
Financing System for SME System for SME
yy Penyusunan Key Performance Indicators (KPI) RKAP Tahun 2020, 5 yy Formulation of the Key Performance Indicators (KPI) of the 2020 RKAP,
November 2019, Kementrian BUMN November 5, 2019, the Ministry of SOEs
yy Komisaris Profesional, 20 - 21 November 2019, Inti Pesan Pariwara yy Professional Commissioners, November 20-21, 2019, Inti Pesan
Pariwara
RANGKAP JABATAN PADA PERUSAHAAN LAIN/LEMBAGA CONCURRENT POSITION IN OTHER COMPANIES / INSTITUTIONS
Sri Mulyanto tidak memiliki rangkap jabatan pada perusahaan/lembaga Sri Mulyanto does not have a concurrent position at other companies /
lain. institutions.
HUBUNGAN AFILIASI AFFILIATION

Sri Mulyanto tidak memiliki hubungan afiliasi baik kepada anggota Sri Mulyanto does not have affiliation with other members of the Board
Komisaris lainnya, Direksi, serta dengan pemegang saham utama. of Commissioner, the Board of Directors, and with major shareholders.
KEPEMILIKAN SAHAM JAMKRINDO JAMKRINDO SHARE OWNERSHIP

Sri Mulyanto tidak memiliki saham Perusahaan Sri Mulyanto does not own the Company’s shares

Noor Ida Khomsiyati
Komisaris
Commissioner
Periode Jabatan: 12 April 2016 – 11 April 2021, Periode Pertama
Term of Office: April 12, 2016 – April 11, 2021, First Period

Indonesian citizens
49
PATI
tahun
Jakarta Timur, DKI Jakarta, Indonesia
East Jakarta, DKI Jakarta, Indonesia
8 Mei
May 8, 1971 Keahlian / Expertise
Manajemen SDM / HR Management.

yy Jabatan Anggota Dewan Pengawas diemban sejak 12 April 2016 yy The position of Member of the Board of Supervisor Council has been
melalui Keputusan Menteri Negara BUMN No. SK-76/MBU/4/2016 carried out since April 12, 2016, through the Decree of the State
tanggal 12 April 2016 tentang Pemberhentian dan Pengangkatan Minister of SOEs No. SK-76 / MBU / 4/2016 dated April 12, 2016,
Anggota Dewan Pengawas Perum Jamkrindo. Jabatan Anggota concerning the Dismissal and Appointment of Members of the Board
Dewan Pengawas ini merupakan periode pertama. of Supervisor Council of Perum Jamkrindo. This was her first period
serving as a Member of the Board of Supervisor Council.
yy Sesuai Keputusan Menteri Badan Usaha Milik Negara Nomor. SK- yy In accordance with the Decree of the Minister of State-Owned Enterprises
(S2) Magister jurusan Manajemen SDM Universitas Bhayangkara (2006); Masters of HR Management of Universitas Bhayangkara (2006); Bachelor
(S1) Sarjana Hukum Universitas Diponegoro Semarang (1995). of Law of Diponegoro University, Semarang (1995).

Kepala Bagian Bantuan Hukum Biro Hukum Sekretariat Kementerian Head Division of Legal Assistance of Legal Bureau, Secretariat of the
BUMN (2014-sekarang); Kepala Bagian Pelayanan dan Bantuan Hukum Ministry of SOEs (2014-present); Head Division of Service and Legal
I Kementerian BUMN (2012-2014); Anggota Dewan Komisaris PT Pos Assistance 1 of the Ministry of SOEs (2012-2014); Member of the Board
Indonesia (Persero) (2013-2015); Kepala Subbagian Pelayanan dan of Commissioners of PT Pos Indonesia (Persero) (2013-2015); Subdivision
Bantuan Hukum II C Kementerian BUMN (2010-2012); Kepala Subbagian Head of Services and Legal Assistance II C of the Ministry of SOEs (2010-
Pelayanan Hukum Kementerian BUMN (2006-2010). 2012); Subdivision Head of Legal Services of the Ministry of SOEs (2006-
2010).
yy Refleksi Konstitusi di Era 4.0 dalam Penguatan Penegakan Hukum yy Reflections on the Constitution in Era 4.0 in Strengthening Law
Pertanggungjawaban Pidana Korporasi pada Tindak Pidana Korupsi, Enforcement of Corporate Criminal Liability in Corruption, April 24,
24 April 2019, Universitas Brawijaya 2019, Universitas Brawijaya
yy Innovation and Cooperation in Financing SME’S, 26 - 27 September yy SME’s Innovation and Cooperation in Financing, September 26-27,
Pariwara
Kepala Bagian Bantuan Hukum Biro Hukum Sekretariat Kementerian Division Head of Legal Assistance of the Secretariat of the Ministry of SOEs
BUMN (2014-sekarang) (2014-present)

Noor Ida Khomsiyati tidak memiliki hubungan afiliasi baik kepada Noor Ida Khomsiyati does not have affiliation with other members of
anggota Komisaris lainnya, Direksi, serta dengan pemegang saham the Board of Commissioners,, the Board of Directors, and with major
utama shareholders.

Noor Ida Khomsiyati tidak memiliki saham Perusahaan. Noor Ida Khomsiyati does not own the Company’s shares.

Diah Natalisa
Komisaris
Commissioner
Periode Jabatan: 3 Mei 2017 – 2 Mei 2022, Periode Pertama
Term of Office: May 3, 2017 – May 2, 2022, First Period

Indonesian citizens
57
PALEMBANG
tahun
15 November
1963
November 15,
Keahlian / Expertise
Manajemen dan ilmu Ekonomi / Management and Economics

yy Jabatan Anggota Dewan Pengawas diemban sejak 3 Mei 2017 melalui yy The position of Member of the Board of Supervisor Council was carried
Keputusan Menteri Negara BUMN No.SK-88/MBU/05/2017 tanggal 3 out since May 3, 2017, through the Decree of the State Minister of SOEs
Mei 2017 tentang Pemberhentian dan Pengangkatan Anggota Dewan No.SK-88 / MBU / 05/2017 dated May 3, 2017, concerning the Dismissal
Pengawas Perum Jamkrindo. Jabatan Anggota Dewan Pengawas ini and Appointment of Members of the Board of Supervisor Council of
merupakan periode pertama. Perum Jamkrindo. This was her first period serving as a Member of the
Board of Supervisor Council.
yy Profesor dan (S3) Doktor Ilmu Ekonomi Universitas Airlangga (1999); yy Professor and Doctor of Economics, Universitas Airlangga (1999);
yy Magister Manajemen, University of Kentucky (1992) yy Master of Management, University of Kentucky (1992)
yy (S1) jurusan Manajemen Universitas Sriwijaya (1987). yy Bachelor of Management of Universitas Sriwijaya (1987).

Deputi Bidang Pelayanan Publik Kementrian PANRB (2016-Sekarang), Deputy Minister of Public Services of the Ministry of Empowerment
Koordinator KOPERTIS Wilayah II Kemdikbud RI (2008-2016), Ketua of State Apparatus and Bureaucratic Reform/PANRB (2016-Present),
Program Studi Magister Manajemen Universitas Sriwijaya (2005-2008). KOPERTIS Region II Coordinator of the Ministry of Education and
Culture (2008-2016), Head of Master of Management Study Program of
Universitas Sriwijaya (2005-2008).
Komisaris Profesional, 20 - 21 November 2019, Inti Pesan Pariwara Professional Commissioners, November 20-21, 2019, Inti Pesan Pariwara
RANGKAP JABATAN PADA PERUSAHAAN LAIN/LEMBAGA CONCURRENT POSITION IN OTHER COMPANIES/INSTITUTIONS

Deputi Bidang Pelayanan Publik Kementrian PANRB (2016-Sekarang) Deputy Minister of Public Services of the Ministry of PANRB (2016-Present)

Diah Natalisa tidak memiliki hubungan afiliasi baik kepada anggota Diah Natalisa does not have affiliation with other members of the Board
Dewan Komisaris lainnya, Direksi, serta dengan pemegang saham utama. of Commissioner, the Board of Directors, and with major shareholders.

Diah Natalisa tidak memiliki saham Perusahaan Diah Natalisa does not own the Company’s shares

Ari Wahyuni
Komisaris
Commissioner
Periode Jabatan: 3 Januari 2019 - 2 Januari 2024, Periode Pertama
Term of Office: January 3, 2019 – January 2, 2024, First Period
54
Indonesian citizens
tahun
years old
Domisili / Domicile
SURABAYA Bogor, Jawa Barat, Indonesia
9 November
1966
November 9,
Bogor, West Java, Indonesia
Keahlian / Expertise
Keuangan dan Manajemen / Finance and Management

yy Jabatan Anggota Dewan Pengawas diemban sejak 3 Januari 2019 yy The position of Member of the Board of Supervisor Council has been
melalui Keputusan Menteri Negara BUMN No.SK- 02/MBU/01/2019 carried out since January 3, 2019, through the Decree of the State
tanggal 3 Januari 2019 tentang Pemberhentian dan Pengangkatan Minister of SOEs No.SK-02 / MBU / 01/2019 dated January 3, 2019,
Anggota Dewan Pengawas Perum Jamkrindo. Jabatan Anggota concerning the Dismissal and Appointment of Members of the Board of
Dewan Pengawas ini merupakan periode pertama. Supervisor Council of Perum Jamkrindo. This was her first period serving
as a Member of the Board of Supervisor Council.
(S2) Master of Public Management Carnigie- Mellon University (1994), Master of Public Management of Carnigie-Mellon University (1994),
(S1) Ilmu Hukum (keperdataan) Universitas Diponogoro (1990) Bachelor of Civil Law of Diponegoro University (1990)

Direktur Pembinaan Pengelolaan Keuangan Badan Layanan Umum Director of Financial Management Development of the Public Service
Kementerian Keuangan Republik Indonesia (September 2018 – sekarang), Agency of the Ministry of Finance of the Republic of Indonesia (September
Direktur Sistem Manajemen Investasi Kementerian Keuangan Republik 2018 - present), Director of Investment Management System of the Ministry
Indonesia (2013 – September 2018), Dewan Pengawas PERURI (2013- of Finance of the Republic of Indonesia (2013 - September 2018), PERURI
2018), Sekretaris Direktorat Jenderal Anggaran Kementerian Keuangan Supervisory Board (2013-2018), Secretary of the Directorate General of
Republik Indonesia (2009-2013), Dewan Komisaris PT PANN (2010- Budget of the Ministry of Finance of the Republic of Indonesia (2009-2013),
2013), Kepala Pusdiklat Keuangan Umum BPPK (2008-2009), Kepala Board of Commissioners Member of PT PANN (2010-2013), Head of BPPK
Bagian Pengawasan Kebijakan Investasi, Biro Pengelolaan Investasi dan General Finance Education and Training Center (2008-2009), Division Head
Riset BAPEPAM (2004-2006), Kepala Bagian Perundang-undangan, Biro of Investment Policy Supervision, Investment Management and Research
Perundangan-undangan dan Bantuan Hukum BAPPEPAM (1990-2000). Bureau of BAPEPAM (2004-2006), Division Head of Legislation, Legislation,
and Legal Assistance Bureau of BAPPEPAM (1990-2000).
yy Credit Risk Management Profesional (Level III), 9-13 Desember 2019, yy Professional Credit Risk Management (Level III), Jakarta, December
Lembaga Sertifikasi Profesi Manajemen Risiko 9-13, 2019, Professional Risk Management Certification Institute
yy From Evolution to Revolution, 13 - 15 November 2019, Sustainable and yy From Evolution to Revolution, November 13 - 15, 2019, Sustainable
Responsible Investing (SRI) and Responsible Investing (SRI)
Pariwara
Direktur Pembinaan Pengelolaan Keuangan Badan Layanan Umum Director of Financial Management Development of the Public Service
Kementerian Keuangan Republik Indonesia (September 2018 – sekarang) Agency of the Ministry of Finance of the Republic of Indonesia (September
2018 - present)

Ari Wahyuni tidak memiliki hubungan afiliasi baik kepada anggota Ari Wahyuni d
oes not have affiliation with other members of the Board of
Dewan Komisaris lainnya, Direksi, serta dengan pemegang saham utama. Commissioner, the Board of Directors, and with major shareholders.

Ari Wahyuni tidak memiliki saham Perusahaan. Ari Wahyuni does not own the Company’s shares.

Muhammad Muchlas Rowi
Komisaris Independen
Independent Commissioner
Periode Jabatan: 17 Oktober 2019 - 16 Oktober 2024, Periode Pertama
Term of Office: October 17, 2019 - October 16, 2024, First Period

Indonesian citizens
48
GARUT
tahun
31 Agustus
August 31, 1972 Keahlian / Expertise
Filsafat / Philosophy

yy J abatan Anggota Dewan Pengawas diemban sejak 17 Oktober 2019 yy The position of Member of the Board of Supervisor Council was carried
melalui Keputusan Menteri Negara BUMN selaku Pemilik Modal out since January 3, 2019, through the Decree of the State Minister of SOEs
Perum Jamkrindo No.SK-241/MBU/10/2019 tanggal 17 Oktober No.SK-02/MBU/01/2019 dated January 3, 2017, concerning the Dismissal
2019 tentang Pemberhentian dan Pengangkatan Anggota Dewan and Appointment of Members of the Board of Supervisor Council of
Pengawas Perum Jamkrindo. Jabatan Anggota Dewan Pengawas Perum Jamkrindo. This was her first period serving as a Member of the
Independen ini merupakan periode pertama. Board of Supervisor Council.
yy S esuai Keputusan Menteri Badan Usaha Milik Negara Nomor. SK- yy In accordance with the Decree of the Minister of State-Owned Enterprises
(S1) Sarjana Ilmu Filsafat Universitas Gadjah Mada (1998) Bachelor of Philosophy of Gadjah Mada University (1998)

Bendahara Badan Pembina Harian (BPH) Institut Bisnis Muhammadiyah Treasurer of Daily Development Board of Muhammadiyah Business
(2019-sekarang); Pemilik Rosbuck Milk & Coffee (2018-sekarang); General Institute (2019-present), Rosbuck Milk & Coffee’s owner (2018-present),
Manager Marketing PT Intan Sejati Klaten (2016-2018); Pimpinan Umum General Manager of Marketing of PT Intan Sejati Klaten (2016-2018),
Monday Media Group (2015-sekarang), Komisaris PT Fantasi Megah Managing Director of Monday Media Group (2015-present), Commissioner
Bersama (2014-sekarang). of PT Fantasi Megah Bersama (2014-present)
Pariwara

Direktur Pembinaan Pengelolaan Keuangan Badan Layanan Umum Director of Financial Management of Public Service Agency Ministry of
Kementerian Keuangan Republik Indonesia (September 2018 – sekarang) Finance Republic of Indonesia (September 2018-present)

Muhammad Muchlas Rowi tidak memiliki hubungan afiliasi baik kepada Muhammad Muchlas Rowi does not have affiliation with other members
anggota Dewan Komisaris lainnya, Direksi, serta dengan pemegang of the Board of Commissioners, the Board of Directors, and with major
saham utama. shareholders.

Muhammad Muchlas Rowi tidak memiliki saham Perusahaan. Muhammad Muchlas Rowi does not own the Company’s shares

PROFIL DIREKSI
Board of Directors Profile

Randi Anto
Direktur Utama
President Director
Periode Jabatan: 21 November 2017 – 20 November 2022, Periode Pertama
Term of Office: November 21, 2017 – November 22, 2022, First Period

Indonesian citizens
59
SEMARANG
tahun
12 April
April 12 1961 Keahlian / Expertise
Ekonomi dan Perbankan / Economics and Banking

yy Jabatan Direktur Utama diemban sejak 21 November 2017 melalui yy The position of President Director has been carried out since November
Keputusan Menteri Negara BUMN No. SK-249/MBU/11/2017 tanggal 21, 2017, through the Decree of the State Minister of SOEs No. SK-249 /
21 November 2017 tentang Pemberhentian dan Pengangkatan MBU / 11/2017 dated November 21, 2017, concerning the Dismissal and
Anggota Direksi Perum Jamkrindo. Jabatan Direktur Utama ini Appointment of Members of Board of Directors of Perum Jamkrindo. This
merupakan periode pertama. was his first period serving as President Director.
(S2) Perbankan, St Louis University, Amerika Serikat (1994), (S1) Master of Banking, St. Louis University, USA (1994), Bachelor of
Ekonomi Jurusan Ekonomi Perusahaan, Universitas Diponegoro, Economics of Corporate Economics Department, Diponegoro University,
Semarang (1984) Semarang (1984)

Direktur Konsumer Bank BRI (2017), Direktur Human Capital & Asset Consumer Director of Bank BRI (2017), Human Capital & Asset
Management Bank BRI (2016), Direktur Credit Risk & Asset Management Management Director of Bank BRI (2016), Credit Risk & Asset Management
Bank BRI (2015), Direktur Kepatuhan Bank BRI (2011-2015), Kepala Divisi Director of Bank BRI (2015), Compliance Director of Bank BRI (2011-2015),
Manajemen Sumber Daya Manusia Kantor Pusat Bank BRI (2009-2011), Head of Human Resources Management Division at Bank BRI Head Office
Pemimpin Wilayah Kantor Wilayah Palembang Bank BRI (2007-2009), (2009-2011), Head of Palembang Regional Office of Bank BRI (2007-2009),
Kepala Divisi Administrasi Kredit Kantor Pusat Bank BRI (2006-2007), Head of Credit Administration Division at Bank BRI Head Office (2006-
Kepala Divisi Kepatuhan dan Manajemen Risiko Kantor Pusat Bank BRI 2007), Head of Compliance and Risk Management at Bank BRI Head Office
(2004-2006), Pj. Wakadiv Divisi Analisis Risiko Kredit Kantor Pusat Bank ( 2004-2006), Acting Deputy Head of Credit Risk Analysis Division at Bank
BRI (2001-2004), Ka.Desk Stk. Pj.Wakadiv Desk Administrasi Kredit Kantor BRI Head Office (2001-2004), Head of Desk at the same level of Acting
Pusat Bank BRI (2000-2001) Deputy Head of Credit Administration Division at Bank BRI Head Office
(2000-2001)
yy Full Day Seminar Auditor’s Talk untuk penguatan peran Satuan yy Full-Day Seminar of Auditor’s Talk to strengthen the role of the
Pengawas Internal (SPI) BUMN, Jakarta, 9 Mei 2019, Kementrian Internal Control Unit (SPI) of SOEs, Jakarta, May 9, 2019, the Ministry
BUMN. of SOEs.
yy Indonesia Risk Management Outlook, Bali, 12 November 2019, yy Indonesia Risk Management Outlook, Bali, November 12, 2019,
Lembaga Pengembangan Perbankan Indonesia. Indonesian Banking Development Institute.

Randi Anto tidak memiliki rangkap jabatan pada perusahaan lain/ Randi Anto does not have concurrent positions in other companies /
lembaga. institutions.

Randi Anto tidak memiliki hubungan afiliasi baik kepada anggota Direksi Randi Anto does not have affiliation with other members of the Board of
Lainnya, Dewan Komisaris, serta dengan pemegang saham utama. Directors, Board of Commissioners, and with major shareholders.

Randi Anto tidak memiliki saham Perusahaan. Randi Anto does not own the Company’s shares.

Amin Mas’udi
Direktur Bisnis Penjaminan
Director of Business of Guarantee
Periode Jabatan: 7 September 2017 – 6 September 2022, Periode Pertama
Term of Office: September 7, 2017 – September 6, 2022, First Period

Indonesian citizens
47
BLORA
tahun
Bogor, Jawa Barat, Indonesia
24 Juni
June 24, 1973 Keahlian / Expertise
Manajemen Agribisnis. / Agribusiness Management

yy Jabatan Direktur diemban sejak 7 September 2017 sebagai Direktur yy The Director position has been carried out since September 7, 2017,
Bisnis Penjaminan melalui Keputusan Menteri Negara BUMN No. SK- as a Director of Business of Guarantee through the Decree of the State
187/MBU/09/2017 tanggal 7 September 2017. Jabatan Direktur ini Minister of SOEs No. SK-187 / MBU / 09/2017 dated September 7, 2017.
merupakan periode pertama. This was his first period serving as a Director.
(S2) Magister Manajemen Agribisnis, Institut Pertanian Bogor (2011); (S1) Master of Agribusiness Management, Bogor Agricultural University
Manajemen, Universitas Islam Bandung (1996). (2011); Bachelor of Management, Bandung Islamic University (1996).

Kepala Divisi Bisnis Suretyship dan Penjaminan Non Bank, Perum Head of Non-Bank Suretyship and Guarantee Business Division, Perum
Jamkrindo (2013-2017), Kepala Divisi Penjaminan Komersial, Perum Jamkrindo (2013-2017), Head of Commercial Guarantee Division, Perum
Jamkrindo (2013), Kepala Divisi Teknologi Informasi, Perum Jamkrindo Jamkrindo (2013), Head of Information Technology Division, Perum
(2012-2013), Kepala Divisi Manajemen Risiko dan Teknologi Informasi, Jamkrindo (2012-2013), Head of Risk Management and Information
Perum Jamkrindo (2012), Kepala Kantor Cabang Samarinda, Perum Technology Division, Perum Jamkrindo (2012) , Head of Samarinda
Jamkrindo (2010-2012), Kepala Bagian Penjaminan Perum Jamkrindo Branch Office, Perum Jamkrindo (2010-2012), Section Head of Guarantee
(2008-2010), Kepala Bagian Pengembangan Usaha, Perum Jamkrindo Division of Perum Jamkrindo (2008-2010), Section Head of Business
(2003-2008), Kepala Bagian Pengendalian Penjaminan, Perum Jamkrindo Development , Perum Jamkrindo (2003-2008), Section Head of Guarantee
(2002-2003). Control, Perum Jamkrindo (2002-2003).
yy Workshop Perumusan Peta Kompetensi Rancangan Standar yy Workshop on Formulation of Competency Maps for the Design of
Kompetensi Kerja Nasional Indonesia (RSKKNI) Bidang Penjaminan, Indonesian National Work Competency Standards (RSKKNI) of the
Jakarta, 21 Maret 2019, OJK. Guarantee field, Jakarta, March 21, 2019, OJK.
yy The 5th International Certified Wealth Manager (CWM) & Continuing yy The 5th International Certified Wealth Manager (CWM) & Continuing
Professional Development (CDP) Executive Program 2019, Rusia, 14-21 Professional Development (CDP) Executive Program 2019, Russia,
September 2019, Certified Wealth Managers’ Association September 14-21, 2019, Certified Wealth Managers’ Association..
Amin Mas’udi tidak memiliki rangkap jabatan pada perusahaan lain/ Amin Mas’udi does not have concurrent positions in other companies /
lembaga. institutions.

Amin Mas’udi tidak memiliki hubungan afiliasi baik kepada anggota Amin Mas’udi does not have affiliation with other members of the Board
Direksi Lainnya, Dewan Komisaris, serta dengan pemegang saham utama. of Directors, Board of Commissioners, and with major shareholders.

Amin Mas’udi tidak memiliki saham Perusahaan. Amin Mas’udi does not own the Company’s shares.

Kadar Wisnuwarman
Direktur Operasional dan Jaringan
Director of Operations and Network
Periode Jabatan: 21 November 2017 – 20 November 2022, Periode Pertama
Term of Office: November 21, 2017 – November 20, 2022, First Period

Indonesian citizens
49
MALANG
tahun
Cibubur, Jawa Barat, Indonesia
Cibubur, West Java, Indonesia
31 Oktober
October 31 1971 Keahlian / Expertise
Manajemen / Management

yy Jabatan Direktur diemban sejak 21 November 2017 melalui yy The Director’s position has been carried out since November 21, 2017,
Keputusan Menteri Negara BUMN No. SK-249/MBU/11/2017 tanggal through Decree of the State Minister of State-Owned Enterprises No.
21 November 2017 tentang Pengangkatan Anggota Direksi Perum SK-249 / MBU / 11/2017 dated November 21, 2017, concerning the
Jamkrindo. Jabatan Direktur ini merupakan periode pertama. Appointment of Members of the Board of Directors of Perum Jamkrindo.
This was his first period serving as the Director.
(S2) Magister Manajemen, Universitas Hasanuddin (2002); (S1) Master of Management, Hasanuddin University (2002); Bachelor of
Manajemen, Universitas Airlangga (1996) Management, Universitas Airlangga (1996)

Pranata Utama Perum Jamkrindo untuk ditugaskan sebagai Direktur Main Institution’s Officer of Perum Jamkrindo to be assigned as President
Utama PT Penjaminan Jamkrindo Syariah (2014-2017), Kepala Kantor Director of PT Penjaminan Jamkrindo Syariah (2014-2017), Head of
Cabang Jakarta Khusus, Perum Jamkrindo (2013-2014), Kepala Divisi Jakarta Special Branch Office, Perum Jamkrindo (2013-2014), Head of the
Penjaminan Komersial, Perum Jamkrindo (2013), Kepala Divisi Klaim Commercial Guarantee Division, Perum Jamkrindo (2013), Head of Claims
dan Subrogasi, Perum Jamkrindo (2013), Sekretaris Perusahaan Perum and Subrogation Division, Perum Jamkrindo (2013), Corporate Secretary
Jamkrindo (2012-2013), Kepala Kantor Cabang Denpasar, Perum of Perum Jamkrindo (2012-2013), Head of Denpasar Branch Office,
Jamkrindo (2011-2012), Kepala Kantor Cabang Pontianak, Perum Perum Jamkrindo (2011-2012), Head of Pontianak Branch Office, Perum
Jamkrindo (2010-2011), Kepala Bagian Penjaminan Kantor Pusat, Perum Jamkrindo (2010-2011), Section Head of Guarantee of the Head Office,
Jamkrindo (2006-2010), Kepala Bagian Operasional Kantor Cabang Perum Jamkrindo (2006-2010), Section Head of Operations of Jakarta
Jakarta, Perum Jamkrindo (2004-2006), Kepala Bagian Operasional Kantor Branch Office, Perum Jamkrindo (2004-2006), Section Head of Operations
Cabang Bandung, Perum Jamkrindo (2004), Kepala Bagian Operasional of Bandung Branch Office, Perum Jamkrindo (2004), Section Head of
Kantor Cabang Pontianak, Perum Jamkrindo (2003-2004). Operations of Pontianak Branch Office, Perum Jamkrindo (2003-2004).
yy Workshop Perumusan Peta Kompetensi Rancangan Standar yy Workshop on Formulation of Competency Maps for the Design of
Kompetensi Kerja Nasional Indonesia (RSKKNI) Bidang Penjaminan, Indonesian National Work Competency Standards (RSKKNI) of the
Jakarta, 21 Maret 2019, OJK. Guarantee field, Jakarta, March 21, 2019, OJK.
yy The 5th International Certified Wealth Manager (CWM) & Continuing yy The 5th International Certified Wealth Manager (CWM) & Continuing
Professional Development (CDP) Executive Program 2019, Rusia, 14-21 Professional Development (CDP) Executive Program 2019, Russia,
September 2019, Certified Wealth Managers’ Association. September 14-21, 2019, Certified Wealth Managers’ Association

Kadar Wisnuwarman tidak memiliki rangkap jabatan pada perusahaan/ Kadar Wisnuwarman does not have concurrent position in other
lembaga lain. companies / institutions.

Kadar Wisnuwarman tidak memiliki hubungan afiliasi baik kepada Kadar Wisnuwarman does not have affiliation with other members of
anggota Direksi Lainnya, Dewan Komisaris, serta dengan pemegang the Board of Directors, the Board of Commissioners, and with major
saham utama. shareholders.

Kadar Wisnuwarman tidak memiliki saham Perusahaan. Kadar Wisnuwarman does not own the Company’s shares.

Sulis Usdoko
Direktur MSDM, Umum dan Kepatuhan
Director of Human Resources Management,
General Affairs and Compliance
Periode Jabatan: 7 September 2017 – 6 September 2022, Periode Pertama
Term of Office: September 7, 2017 – September 6, 2022, First Period

Indonesian citizens
60
SEMARANG
tahun
Bekasi, Jawa Barat, Indonesia
Bekasi, West Java, Indonesia
5 September
September 5, 1960 Keahlian / Expertise
Ekonomi dan Manajemen / Economics and Management

yy Jabatan Direktur diemban sejak 7 September 2017 melalui yy The Director’s position has been carried out since September 7, 2017,
Keputusan Menteri Negara BUMN No. SK-187/MBU/09/2017 tanggal through the Decree of the State Minister of State-Owned Enterprises
7 September 2017 tentang Pengangkatan Anggota Direksi Perum No. SK-187 / MBU / 09/2017 dated September 7, 2017, concerning the
Jamkrindo. Jabatan Direktur ini merupakan periode pertama. Appointment of Members of the Board of Directors of Perum Jamkrindo.
Sebelum pengangkatannya di tahun 2017, Sulis Usdoko belum This was his first period serving as the Director. Prior to his appointment
pernah menjabat pada jajaran Direksi Perum Jamkrindo. in 2017, Sulis Usdoko has never served as the Board of Directors of Perum
Jamkrindo.
(S2) Ekonomi Manajemen, Universitas Brawijaya (2003); (S1) Teknik Sipil, Master of Management Economics, Universitas Brawijaya (2003); Bachelor
Universitas Brawijaya (1985). of Civil Engineering, Universitas Brawijaya (1985).
Direktur Bidang Collection Management, Asset Management, Legal dan Director of Collection Management, Asset Management, Legal and Credit
Dokumen Perkreditan, Bank BTN (2015-2017), Kepala Divisi Bidang Dana Documents, Bank BTN (2015-2017), Head of Third Party Funds Retail and
Pihak Ketiga Retail dan Jasa-jasa, Bank BTN (2011-2015), Kepala Divisi Services Division, BTN Bank (2011-2015), Head of Information Technology
Teknologi Informasi, Bank BTN (2008-2011), Kepala Kantor Cabang Kelas Division, Bank BTN (2008 -2011), Head of Branch Office Class 1, and Head
1, Kelas 1, dan Kepala Kantor Cabang Utama, Bank BTN (1997-2010), Staf of Main Branch Offices, BTN Bank (1997-2010), Staff to Head of Section,
hingga Kepala Bagian, Bank BTN (1986-1995). Bank BTN (1986-1995).
yy Peter Drucker Forum “The Power of Ecosystem”, Austria, 20-22 November yy Peter Drucker Forum “The Power of Ecosystem”, Austria, November 20-
2019 Peter Drucker Forum. 22, 2019, Peter Drucker Forum.
yy Seminar Winning in The Digital Age, Building Digital and Agile yy Seminar on Winning in The Digital Age, Digital Building and Agile
Organization Capabilities, Jakarta, 24-25 Oktober 2019, GML Organization Capabilities, Jakarta, October 24-25, 2019, GML
Performance Consulting Performance Consulting
yy Seminar Digital Transformation in Insurance Industry to Win Market, yy Seminar on Digital Transformation in Insurance Industry to Win
Jakarta, 15 Agustus 2019, National-Re. Market, Jakarta, August 15, 2019, National-Re.
yy HR Director 2019, Jakarta, 19 Februari 2019, PT. Intipesan Pariwara. yy HR Director 2019, Jakarta, February 19, 2019, PT. Inti Pesan Pariwara
Sulis Usdoko tidak memiliki rangkap jabatan pada perusahaan/lembaga Sulis Usdoko does not have concurrent positions in other companies /
lain. institutions.
Sulis Usdoko tidak memiliki hubungan afiliasi baik kepada anggota Sulis Usdoko does not have affiliation with other members of the Board of
Direksi Lainnya, Dewan Komisaris, serta dengan pemegang saham utama. Directors, Board of Commissioners, and with major shareholders.
Sulis Usdoko tidak memiliki saham Perusahaan. Sulis Usdoko does not own the Company’s shares.

I. Rusdonobanu
Direktur Keuangan, Investasi dan Manajemen Risiko
Director of Finance, Investment and Risk Management
Periode Jabatan: 15 Januari 2018 – 14 Januari 2023, Periode Kedua
Term of Office: January 15, 2018 – January 14, 2023, Second Period

Indonesian citizens
61
BALIKPAPAN
tahun
Jakarta Timur, DKI Jakarta, Indonesia
East Jakarta, DKI Jakarta, Indonesia
26 Februari
February 26, 1959 Keahlian / Expertise
Ekonomi dan Manajemen / Economics and Management

yy Jabatan Direktur diemban sejak 15 Januari 2013 melalui Keputusan yy The Director’s position has been carried out since January 15, 2013,
Menteri Negara BUMN No. SK-12/MBU/2013 tanggal 15 Januari through the Decree of the State Minister of SOEs No. SK-12 / MBU /
2013 tentang Pemberhentian, Perubahan Nomenklatur dan 2013 dated January 15, 2013, concerning the Dismissal, Changes in
Pengangkatan Anggota Direksi Perum Jamkrindo, j.o Keputusan Nomenclature, and the Appointment of Members of the Board of
Menteri Negara BUMN selaku Pemilik Modal Perum Jamkrindo No. Directors of Perum Jamkrindo, j.o the Decree of the State Minister of
SK-44/MBU/2014 tentang Perubahan Nomenklatur Anggota-anggota SOEs as the Capital Owner of Perum Jamkrindo No. SK-44 / MBU / 2014
Direksi Perusahaan Umum (Perum) Jaminan Kredit Indonesia. Jabatan concerning Changes in Nomenclature of Members of the Board of
Direktur ini merupakan periode pertama. Kemudian diangkat Directors of the Indonesian Credit Guarantee Public Corporation (Perum).
kembali berdasarkan Keputusan Menteri Negara BUMN No. SK-22/ This was his first period serving as the Director. Then reappointed based
MBU/01/2018, untuk periode kedua. on the Decree of the State Minister of SOEs as the Capital Owner of Perum
Jamkrindo No. SK-22 / MBU / 01/2018 for the second period.
(S2) Master Of Science Jurusan Ekonomi Northeastern University Boston, Master of Science, Department of Economics, Northeastern University
Amerika Serikat (1995); (S1) Sarjana Ekonomi jurusan Manajemen Boston, USA (1995); Bachelor of Economics majoring in Corporate
Perusahaan Universitas Pancasila (1988); (S1) Sarjana Muda Akuntansi Management, University of Pancasila (1988); Diploma of Accounting of
STAN Jakarta (1981). STAN Jakarta (1981).

Plt Direktur Utama Perum Jamkrindo (7 September 2017 – 21 November Acting President Director of Perum Jamkrindo (September 7, 2017 - November
2017), Asisten Deputi Usaha Jasa II Kementerian BUMN (2010-sekarang); 21, 2017), Assistant Deputy for Services Business II, the Ministry of SOEs
Anggota Komisaris PT Krakatau Steel (Persero) Tbk (2011); Anggota (2010-present); Member of the Board of Commissioners of PT Krakatau Steel
Komisaris PT Perkebunan Nusantara X (Persero) (2008-2011); Anggota (Persero) Tbk (2011); Member of the Board of Commissioners of PT Perkebunan
Komisaris PT Pelabuhan Indonesia I (Persero) (2007-2011); Anggota Nusantara X (Persero) (2008-2011); Member of the Board of Commissioners
Komisaris PT Sang Hyang Seri (Persero) (2003-2009); Asisten Deputi of PT Pelabuhan Indonesia I (Persero) (2007-2011); Member of the Board of
Usaha Perkebunan II Kementerian BUMN (2006-2010); Kepala Bidang Commissioners of PT Sang Hyang Seri (Persero) (2003-2009); Assistant Deputy
Usaha Perkebunan IIA Kementerian BUMN (2006); Pj. Kepala Bidang of Plantation Business II, the Ministry of SOEs (2006-2010); Head of Plantation
Usaha Sarana Produksi Pertanian Kementerian BUMN (2002-2006). Business Division IIA, the Ministry of SOEs (2006); Acting Head of Agriculture
Production Facility Business Division of the Ministry of SOEs (2002-2006).
yy Workshop Penyusunan KPI RKAP 2020, Jakarta, 5 November 2019, yy Workshop on Preparation of the 2020 RKAP KPI, Jakarta, November 5,
Kementrian BUMN. 2019, the Ministry of SOEs.
yy The 1st ASEAN CPA Conference 2019, Bali, 16-17 Oktober 2019, CPA yy The 1st ASEAN CPA Conference 2019, Bali, October 16-17, 2019,
ASEAN. ASEAN CPA.
yy Innovation and Cooperation in Financing SMEs, 26 - 27 September yy Innovation and Cooperation in Financing the SMEs, September 26-27,
I. Rusdonobanu tidak memiliki rangkap jabatan pada perusahaan/ I. Rusdonobanu does not have a concurrent position in other companies
lembaga lain. / institutions.

I. Rusdonobanu tidak memiliki hubungan afiliasi baik kepada anggota I. Rusdonobanu does not have affiliation with other members of the Board
Direksi Lainnya, Dewan Komisaris, serta dengan pemegang saham utama. of Directors, the Board of Commissioners, and with major shareholders.

I. Rusdonobanu tidak memiliki saham Perusahaan. I. Rusdonobanu does not own the Company’s shares.

PROFIL PEJABAT EKSEKUTIF
Profile of Executive Officers
Abdul Bari
Sekretaris Perusahaan / Corporate Secretary
Menjabat sejak: 3 Februari 2017 Warga negara Indonesia
Serving the position since: February 3, 2017 Indonesian citizens
Bergabung di Jamkrindo: 21 Agustus 2015 Domisili / Domicile
Joined Jamkrindo: August 21, 2015 Jakarta, DKI Jakarta, Indonesia
Jakarta, DKI Jakarta, Indonesia
Riwayat Pendidikan / Education:
S3 Manajemen SDM Universitas Negeri Jakarta, 2014
Doctor of HR Management, State University of Jakarta, 2014
44 tahun
years old
Mohamad Adhy Prayitno

Kepala Satuan Pengawasan Intern / Head of Internal Control Unit
Warga negara Indonesia Menjabat sejak: 12 November 2018
Indonesian citizens Serving the position since: November 12, 2018
Domisili / Domicile Bergabung di Jamkrindo: 15 Oktober 2018
Sleman, Yogyakarta, Indonesia Joined Jamkrindo: October 15, 2018
Sleman, Yogyakarta, Indonesia
S2 Magister Manajemen Universitas Gadjah Mada, 2003
Master of Management of Gadjah Mada University, 2003
58 tahun
years old
Alia Nur Fitri

Kepala Divisi Perencanaan Strategis / Head of Strategic Planning Division
Menjabat sejak: 19 september 2017
Serving the position since: February 3, 2017 Warga negara Indonesia
Bergabung di Jamkrindo: 3 September 2014 Indonesian citizens
Joined Jamkrindo: September 3, 2014 Domisili / Domicile
Riwayat Pendidikan / Education: Jakarta, DKI Jakarta, Indonesia
S2 Manajemen Universitas Gadjah Mada, 1997/
Master of Management of Gadjah Mada University, 1997
48 tahun
years old
Hafizah
Kepala Divisi Bisnis 1 / Head of Business 1 Division
Menjabat sejak: 31 Agustus 2018
Warga negara Indonesia Serving the position since: August 31, 2018
Indonesian citizens
Bergabung di Jamkrindo: 3 September 2014
Domisili / Domicile Joined Jamkrindo: September 3, 2014
Jakarta, DKI Jakarta, Indonesia Riwayat Pendidikan / Education:
M.M, Manajemen, Universitas Persada Indonesia, 2002/
Master of Management of Universitas Persada Indonesia/Persada Indonesia University, 2002
53 tahun
years old

Suwarsito
Warga negara Indonesia Serving the position since: AUgust 30, 2016
Indonesian citizens
Bergabung di Jamkrindo: 2 JanuarI, 1998
Domisili / Domicile Joined Jamkrindo: January 2, 1998
Bekasi, Jawa Barat, Indonesia
Bekasi, West Java, Indonesia Riwayat Pendidikan / Education:
Pendidikan: S.E, M.M, Manajemen, Universitas Hasanuddin, 2007
Master of Management of Hasanuddin University, 2007
47 tahun
years old
Muchamad Kisworo
Menjabat sejak: 19 September 2017 Warga negara Indonesia
Serving the position since: September 19, 2017 Indonesian citizens
Bergabung di Jamkrindo: 2 February 2000 Domisili / Domicile
Joined Jamkrindo: February 2, 2000 Bogor, Jawa Barat, Indonesia
S.E, M.M, Manajemen, Universitas Sumatera Utara, 2010
Master of Management of Universitas Sumatera Utara, 2010
45 tahun
years old
Muldianto
Kepala Divisi Penunjang Bisnis / Head of Business Support Division
Warga negara Indonesia Menjabat sejak: 1 September 2020
Indonesian citizens Serving the position since: September 1, 2020
Domisili / Domicile Bergabung di Jamkrindo: 1 September 2020
Jakarta, Indonesia Joined Jamkrindo: September 1, 2020
Jakarta, Indonesia
S2 Manajemen Agribisnis, Universitas Gadjah Mada
Master of Agribusiness Management, Gadjah Mada University
S1 Hukum, Universitas Padjadjaran 56 tahun
years old
Bachelor of Law, Padjadjaran University
Yanti Rachmawati
Kepala Desk Bisnis Penjaminan Syariah / Head of Sharia Guarantee Business Desk
Serving the position since: August 31, 2018 Warga negara Indonesia
Indonesian citizens
Bergabung di Jamkrindo: 21 Januari 1998
Joined Jamkrindo: January 21, 1998 Domisili / Domicile
Bandung, Jawa Barat, Indonesi
Riwayat Pendidikan / Education: Bandung, West Java, Indonesa
M.M, Manajemen, Universitas Padjadjaran, 2012/
Master of Management of Padjadjaran University, 2012
45 tahun
years old

Henry Nur Irianto
Kepala Desk Penjaminan Sistem Resi Gudang /
Head of Warehouse Receipt System Guarantee Desk
Menjabat sejak: 2 Mei 2019 Warga negara Indonesia
Serving the position since: May 2, 2019 Indonesian citizens
Bergabung di Jamkrindo: 1 Januari 1991 Domisili / Domicile
Joined Jamkrindo:January 1, 1991 Bogor, Jawa Barat, Indonesia
M.M, Manajemen, STM Labora, 1999
53 tahun
years old Master of Management, STM Labora, 1999
Mahfudh Sudiyono
Kepala Divisi Teknik & Administrasi Bisnis/
Head of Engineering & Business Administration Division
Indonesian citizens Menjabat sejak: 10 Desember 2015
Serving the position since: December 10, 2015
Domisili / Domicile
Bogor, Jawa Barat, Indonesia Bergabung di Jamkrindo: 2 Januari 1997
Bogor, West Java, Indonesia Joined Jamkrindo: NJanuary 2, 1997

S.E, Manajemen, Universitas Brawijaya, 1998
Bachelor of Management of Brawijaya University, 1998 46 tahun
years old
Hamim Bugi Afianto

Kepala Divisi Jaringan dan Layanan / Head of Network and Service Division
Menjabat sejak: 2 Mei 2019 Warga negara Indonesia
Serving the position since: May 2, 2019 Indonesian citizens
Bergabung di Jamkrindo: 1 April 1996 Domisili / Domicile
Joined Jamkrindo: April 1, 1996 Surabaya, Jawa Timur, Indonesia
Surabaya, East Java, Indonesia
S1 Manajemen Universitas Brawijaya
Bachelor of Management of Brawijaya University
50 tahun
years old
Hadi Ariwibowo
Kepala Divisi Teknologi Informasi / Head of Technology Information Division
Menjabat sejak: 10 Desember 2015
Warga negara Indonesia Serving the position since: December 10, 2015
Indonesian citizens
Bergabung di Jamkrindo: 26 September 2008
Domisili / Domicile Joined Jamkrindo: September 26, 2008
Jakarta, DKI Jakarta, Indonesia Riwayat Pendidikan / Education:
S.T, Teknik Sipil, Universitas Indonesia, 2002/
Bachelor of Civil Engineering of University of Indonesia, 2002
42 tahun
years old

Achmad Muhlison
Kepala Desk Subrogasi / Head of Subrogation Desk
Warga negara Indonesia Serving the position since: August 31, 2018
Indonesian citizens
Bergabung di Jamkrindo: 21 Agustus 2015
Domisili / Domicile Joined Jamkrindo: August 21, 2015
Bandung, Jawa Barat, Indonesia
Bandung, West Java, Indonesia Riwayat Pendidikan / Education:
M.M, Manajemen Keuangan, Universitas Andalas, 2002
Education: Master of Financial Management of Andalas University, 2002
47 tahun
years old
Erna Zubaida
Kepala Divisi MSDM / Head of HR Management Division
Menjabat sejak: 19 September 2017 Warga negara Indonesia
Serving the position since: September 19, 2017 Indonesian citizens
Bergabung di Jamkrindo: 2 Juli 1996 Domisili / Domicile
Joined Jamkrindo: July 2, 1996 Bogor, Jawa Barat, Indonesia
Bogor, Jawa Barat, Indonesia
S.E, Manajemen Ekonomi, Universitas Diponegoro, 1995
Bachelor of Economic Management of Diponegoro University, 1995
48 tahun
years old
Lusy Susanti
Kepala Divisi Umum/ Head of General Division
Warga negara Indonesia Menjabat sejak: 2 Mei 2019
Indonesian citizens Serving the position since: May 2, 2019
Domisili / Domicile Bergabung di Jamkrindo: 11 Januari 2000
Pekanbaru, Riau, Indonesia Joined Jamkrindo: January 11, 2000
Pekanbaru, Riau, Indonesia
S.E, Akuntansi, Universitas Andalas, 1999
Bachelor of Accounting, Andalas University, 1999
42 tahun
years old
M. Natsir Rahmadi
Kepala Divisi Hukum dan Kepatuhan/ Head of Legal and Compliance Division
Bergabung di Jamkrindo: 1 Juli 2003 Indonesian citizens
Joined Jamkrindo: July 1, 2003 Domisili / Domicile
Riwayat Pendidikan / Education: Jakarta, DKI Jakarta, Indonesia
47 tahun
years old
S.H, Hukum, Universitas Brawijaya, 1999/
Bachelor of Law of Brawijaya University, 1999

Aribowo
Kepala Divisi Keuangan dan Investasi / Head of Finance and Investment Division
Indonesian citizens
Bergabung di Jamkrindo: 2 Januari 1991
Joined Jamkrindo: January 2, 1991 Domisili / Domicile
Sidoarjo, Jawa Timur, Indonesia
Riwayat Pendidikan / Education: Sidoarjo, East Java, Indonesia
Drs. AK. M.M, Manajemen, Universitas Andalas, 2002/
Master of Management of Andalas University, 2002
53 tahun
years old
Diana Mayawati
Kepala Divisi Akuntansi (d/h Divisi Akuntansi & PKBL)
Head of Accounting Division (previously Accounting & PKBL Division)
Warga negara Indonesia Menjabat sejak: 10 Desember 2015
Indonesian citizens Serving the position since: December 10, 2015
Domisili / Domicile Bergabung di Jamkrindo: 4 Mei 2015
Bekasi, Jawa Barat, Indonesia Joined Jamkrindo: May 4, 2015
S.E, Akuntansi, Universitas Trisakti, 1998
Bachelor of Economics, Accounting of Trisakti University, 1998 44 tahun
years old
Ceriandri Widuri
Kepala Divisi Manajemen Risiko dan Pemeringkatan Usaha Mikro, Usaha Kecil,
Usaha Menengah, Konsultasi Manajemen (PUKM) (d/h Divisi Manajemen Risiko)
Head of Risk Management and Micro, Small, Medium Business Rating, and
Management Consulting (PUKM) Division (previously Risk Management Division)
Menjabat sejak: 3 Februari 2017 Warga negara Indonesia
Serving the position since: February 3, 2017 Indonesian citizens
Bergabung di Jamkrindo: 2 Januari 1997 Domisili / Domicile
Joined Jamkrindo: January 2, 1997 Bekasi, Jawa Barat, Indonesia
47 tahun
years old
S.E, MBA, Manajemen Strategic, Universitas Gadjah Mada, 2009
MBA of Strategic Management of Gadjah Mada University, 2009
Alexandry
Kepala Divisi Klaim / Head of Claim Division
Warga negara Indonesia Menjabat sejak: 31 Agustus 2018
Indonesian citizens Serving the position since: August 31, 2018
Domisili / Domicile Bergabung di Jamkrindo: 1 Juli 2003
Palembang, Sumatera Selatan, Indonesia Joined Jamkrindo: August July 1, 2003
Palembang, South Sumatera, Indonesia
S.E, S1 Akuntansi, Universitas Muhammadiyah, 2001/
Education: Bachelor of Accounting of Muhammadiyah University, 2001
42 tahun
years old

DEMOGRAFI KARYAWAN
Employee Demographics
PERKEMBANGAN JUMLAH KARYAWAN TAHUN 2017-2020 (ORANG)
DEVELOPMENT OF NUMBER OF EMPLOYEES IN 2017-2020 (PEOPLE)
944 965 1.002 1.042
700
600
640
615
582 594
500
400
402
387
300 362 371
200
100
0
2020 2019 2018 2017
Laki-laki / Male Perempuan / Female Karyawan Tetap / Permanent employees
“944 karyawan yang tercatat per Juni 2020*,berkarya di “As much as 944 employees are registered as of June 2020*.
Perusahaan dengan mendedikasikan diri kepada dunia They work in the Company by dedicating themselves to
UMKM dan Koperasi melalui 9 Kantor Wilayah, 56 Kantor the world of MSMEs and Cooperatives through 9 Regional
Cabang dan 16 Kantor Unit Pelayanan (KUP) Perum Jamkrindo Offices, 56 Branch Offices and 16 Service Unit Offices (KUP)
yang tersebar di seluruh Indonesia” of Perum Jamkrindo which are spread throughout Indonesia”.
Keterangan : Information :
* : Jumlah Karyawan Tetap. *: The number of Permanent Employees.

KOMPOSISI PEMEGANG SAHAM/PEMILIK MODAL
Composition of Shareholders/Capital Owners
RINCIAN PEMEGANG SAHAM/PEMILIK MODAL DETAIL OF SHAREHOLDERS/ CAPITAL OWNERS
Perusahaan memiliki bentuk Perusahaan Perseroan (Persero). The company has the form of a Company Company (Persero).
Kepemilikan Saham dari para Pemegang Saham dapat Share Ownership from the Shareholders can be submitted as
disampaikan sebagai berikut, follows
KEPEMILIKAN SAHAM PADA PT JAMKRINDO PER 31 DESEMBER 2020

SHARE OWNERSHIP IN PT JAMKRINDO AS OF DECEMBER 31, 2020
Nominal Persentase Kepemilikan
Pemilik Modal
Nominal Value Percentage of Ownership
Capital Owner
(Rp/IDR) (%)
Negara Republik Indonesia (Penyertaan Modal Negara)
1.365.160 0,01%
The Republic of Indonesia (State Equity Participation)
PT Bahana Pembinaan Usaha Indonesia (Persero) 7.638.732.000.000 99,99%
Total 7.638.733.365.160 100,00%
KOMPOSISI KEPEMILIKAN PERUM JAMKRINDO

PERUM JAMKRINDO’S OWNERSHIP COMPOSITION
0,01%
Negara Republik Indonesia 99,99%

Republic of Indonesia
PT Bahana Pembinaan
Usaha Indonesia (Persero)
INFORMASI TENTANG PEMEGANG SAHAM UTAMA INFORMATION ABOUT MAJOR SHAREHOLDERS

Pemegang saham utama Perusahaan adalah Negara The major shareholders of the Company are the Republic
Republik Indonesia melalui Pemerintah Republik Indonesia/ of Indonesia through the Government of the Republic of
Kementerian Badan Usaha Milik Negara sebesar 0,01%, dan Indonesia / the Ministry of State Owned Enterprises by
PT Bahana Pembinaan Usaha Indonesia (Persero) sebesar 0.01%, and PT Bahana Pembinaan Usaha Indonesia (Persero)
99,99%. by 99.99%.
INFORMASI TENTANG KEPEMILIKAN SAHAM OLEH INFORMATION ABOUT SHARE OWNERSHIP BY

MANAJEMEN DAN KELOMPOK PEMEGANG SAHAM MANAGEMENT AND GROUP OF SHAREHOLDERS -
MASING-MASING DI BAWAH 5 (LIMA) PERSEN EACH UNDER 5 (FIVE) PERCENT
Hingga Buku ini dicetak, Perusahaan tidak memiliki Until this Book was printed, the Company did not have
kebijakan Program Kepemilikan Saham Karyawan, dan an Employee Stock Ownership Program policy, and a
Program Kepemilikan Saham Manajemen. Perusahaan juga Management Share Ownership Program. The Company also
tidak melakukan Penawaran Umum Perdana Saham yang does not conduct an Initial Public Offering that allows public
memungkinkan kepemilikan saham Perusahaan oleh publik. ownership of the Company’s shares. All capital ownership in
Seluruh kepemilikan modal sesuai dengan penjelasan di atas. accordance with the explanation above. For this reason, there
Untuk itu, tidak ada pejabat Perusahaan ataupun karyawan are no Company officials or employees who own Company
yang memiliki saham Perusahaan. shares.

DAFTAR ENTITAS ANAK DAN ENTITAS ASOSIASI/JOINT VENTURE (JV)/
SPECIAL PURPOSE VEHICLE (SPV)
List of Subsidiaries And Association / Joint Venture (JV) / Special Purpose Vehicle (SPV)
Jumlah Aset
Bidang Tahun Tahun Kepemilikan Saham Status Operasi
Total Assets
Entitas Anak Usaha Domisili Pendirian Beroperasi Shares Ownership Operational
(Rp-juta)
Subsidiaries Line of Domicile Year of Year of (%) Status
(Rp- million)
Business Establishment Operation
2019 2018 2019 2018
Jasa
Penjaminan
PT Penjaminan
Syariah Beroperasi
Jamkrindo Jakarta 2014 2014 99,997% 99.996 % 1.059.614 746.638
Sharia Operating
Syariah
Guarantee
Services
Selain daftar entitas anak di atas, Perum Jamkrindo tidak Besides the list of subsidiaries above, Perum Jamkrindo does
memiliki entitas asosiasi dan/atau penyertaan saham kepada not have associate entities and/or equity participation in any
entitas manapun. entity.
PT PENJAMINAN JAMKRINDO SYARIAH PT PENJAMINAN JAMKRINDO SYARIAH

(“JAMSYAR”) (“JAMSYAR”)
PT Penjaminan Jamkrindo Syariah (“Jamsyar”) didirikan pada PT Penjaminan Jamkrindo Syariah (“Jamsyar”) was established
tanggal 16 September 2014 dan mendapatkan izin operasional on September 16, 2014, and obtained an operation permit on
pada tanggal 7 November 2014. Jamsyar dibentuk melalui November 7, 2014. Jamsyar was formed through Notarial Deed
Akta Notaris No. 68 oleh Notaris Aryanti Artisari, S.H., M.Kn. No. 68 made by the Notary Aryanti Artisari, S.H., M.Kn. dated
tanggal 19 September 2014 dan terdaftar di Kementerian September 19, 2014, which was registered with the Ministry of
Hukum dan hAm Republik Indonesia melalui Keputusan Justice and Human Rights of the Republic of Indonesia through
Menteri Hukum dan hAm No. AHU-26462.40.10.2014 tentang the Decree of the Minister of Justice and Human Rights No. AHU-
Pengesahan Pendirian Badan Hukum Perseroan Terbatas 26462.40.10.2014 concerning Ratification of the Establishment of
PT Penjaminan Jamkrindo Syariah tanggal 24 September Legal Entity of PT Penjaminan Jamkrindo Syariah dated September
2014; kemudian mendapatkan izin operasi dari Otoritas Jasa 24, 2014; It received an operating permit from the Financial
Keuangan (oJK) melalui surat No. KEP-134/d.05/2014 tanggal Services Authority (FSA) through the FSA letter No. KEP-134 / d.05
7 November 2014 tentang Pemberian Izin usaha Perusahaan / 2014 dated November 7, 2014, concerning the Granting of a
Penjaminan Syariah Kepada PT Penjaminan Jamkrindo Sharia Guarantee Company Business License to PT Penjaminan
Syariah, serta Surat OJK No. S-34/nB.223/2015 tanggal 15 Jamkrindo Syariah, and FSA Letter No. S-34 / nB.223 / 2015 dated
Januari 2015 tentang Pencatatan Produk Baru PT Penjaminan January 15, 2015, concerning the Listing of New Products of PT
Jamkrindo Syariah. Jamsyar bergerak dalam bidang usaha Penjaminan Jamkrindo Syariah. Jamsyar is engaged in the Sharia
Jasa Penjaminan Syariah, dengan mengusung tagline Guarantee Services business, with the tagline “Progressive Jamsyar:
“Jamsyar Progresif: Profesional, Gesit, responsif, dan Inovatif”. Professional, Agile, Responsive, and Innovative”.
Informasi tentang kepemilikan, kinerja, dan manajemen Information about Jamsyar’s ownership, performance, and
Jamsyar adalah sebagai berikut, management are as follows:
KEPEMILIKAN SAHAM JAMSYAR

JAMSYAR SHARE OWNERSHIP
0,003%
99,997%
Perum Jamkrindo
Koperasi Warga Jamkrindo Sejahtera

IKHTISAR KINERJA KEUANGAN JAMSYAR
JAMSYAR FINANCIAL PERFORMANCE HIGHLIGHTS
2019 2018
Rp-juta in million Rp
(Rp) (Rp)
Pendapatan 229.921.832.177 160.862.271.701 Income
Beban Usaha 55.384.455.332 45.338.486.183 Operating Expenses
Laba Bersih 36.576.462.717 22.543.355.454 Net Profit
Laba Komprehensif 42.231..845.603 16.634.047.541 Comprehensive Profit
Aset 1.059.614.274.453 746.638.381.732 Assets

Liabilitas 501.889.009.381 406.145.052.263 Liabilities
Ekuitas 557.725.175.072 340.493.329.469 Equity
MANAJEMEN JAMSYAR
JAMSYAR MANAGEMENT
Dewan Komisaris/Board of Commissioners :

Komisaris Utama/President Commissioner Drs. Aribowo, AK
Komisaris Independen/Independent Commissioner Drs. Wildan, AK
Komisaris/ Commissioner Ir. H. M. Syakir Sula, AAJ,FIIS, CRGP
Direksi/Board of Directors :
Direktur Utama/President Director Gatot Suprabowo
Direktur Operasional/Director of Operations Achmad Sonhadji
Direktur Keuangan, SDM & Umum/Director of Finance, HR & General Affairs Endang Sri Winarni
Dewan Pengawas Syariah/Sharia Supervisory Board :
Ketua Dewan Pengawas Syariah /Chairman of Sharia Supervisory Board Prof. Dr. Hasannudin, AF. MA
Anggota Dewan Pengawas Syariah/Member of Sharia Supervisory Board H. Abdul Aziem, SH. M.Pd
KRONOLOGIS PENERBITAN SAHAM

Chronology of Share Issuance
Perusahaan tidak melakukan Penawaran Umum Perdana The Company does not conduct an Initial Public Offering and
Saham dan tidak memperdagangkan sahamnya di bursa does not trade its shares on any stock exchange. Therefore,
saham manapun. Dengan demikian tidak terdapat informasi there is no information related to the year of shares issuance,
terkait tahun penerbitan saham, jumlah saham, nilai nominal the number of shares, the nominal value of shares, share
saham, harga penawaran saham untuk masing-masing tindakan offering price for each corporate action, the number of shares
korporasi (corporate action), jumlah saham tercatat setelah listed after each corporate action, and the name of the stock
masing-masing tindakan korporasi (corporate action), dan nama exchange on which Company shares are listed
bursa di mana saham Perusahaan dicatatkan.

STRUKTUR GRUP
Group Structure
NEGARA REPUBLIK INDONESIA PT BAHANA PEMBINAAN USAHA

REPUBLIC OF INDONESIA INDONESIA (PERSERO)
0,01% 99,99%
99,997%
KRONOLOGIS PENERBITAN EFEK LAINNYA

Chronology of Other Securities Issuance
Hingga tanggal 31 Desember 2019 maupun tanggal As of December 31, 2019, and the date of the data/information was
disampaikannya data/informasi ini, Perusahaan tidak submitted, the Company did not issue any securities. Therefore,
menerbitkan efek apapun. Dengan demikian tidak terdapat there was no information related to other securities names, the
informasi terkait nama efek lainnya, tahun penerbitan efek year of the issuance of other securities, the interest rates / the
lainnya, tingkat bunga/imbalan efek lainnya, dan tanggal jatuh return of other securities, and other securities due dates; the
tempo efek lainnya; nilai penawaran efek lainnya; nama bursa di offering price of other securities; the name of the exchange where
mana efek lainnya dicatatkan; dan peringkat efek. other securities were listed; and securities rating.

LEMBAGA DAN PROFESI PENUNJANG
Supporting Institutions and Professionals
Lembaga/Profesi Jenis dan Bentuk Periode
Penunjang Alamat Jasa Biaya Penugasan
Supporting Institutions Address Types and Forms of Costs Assignment
/ Professionals Services Period
PT Sharing Vision Jl. Anggrek No.47, Cihapit, Jasa Konsultan Rp660.000.000,00 s.d 10 Januari 2019
Indonesia Bandung Wetan, Kota Retainer TI IT Retainer until January 10,
Bandung, Jawa Barat 40114 Consultant Services 2019
DAFTAR KANTOR AKUNTAN PUBLIK DAN AKUNTAN 5 (LIMA) TAHUN TERAKHIR 2015-2019
LIST OF PUBLIC ACCOUNTING FIRMS AND ACCOUNTANTS FOR THE LAST 5 (FIVE) YEARS - 2015-2019
Tahun Kantor Akuntan Jasa

Biaya
Buku Publik Akuntan Jasa Lainnya Opini
Costs
Fiscal Public Accountants Services Other Opinion
(Rp/IDR)
Year Accounting Firms Services
2019 KAP Hertanto Bambang Jasa Kantor Akuntan Publik (KAP) Menyajikan 458.850.000,00
Grace Karunawan Untuk Pemeriksaan Laporan Keuangan secara wajar,
Karunawan Konsolidasian Perusahaan Umum (Perum) dalam semua hal
(HGK) Jaminan Kredit Indonesia Tahun Buku 2019 yang material
Public Accounting Firm Services for the Fair in all
Examination of the Consolidated Financial material aspects
Statements of Perum Jamkrindo for 2019 (Unqualified
Fiscal Year Opinion)
2018 KAP Hertanto Bambang Jasa Kantor Akuntan Publik (KAP) - Menyajikan 424.550.000,00
Grace Karunawan Untuk Pemeriksaan Laporan Keuangan secara wajar,
Statements of Perum Jamkrindo for 2018 (Unqualified
Fiscal Year Opinion)
2017 KAP Hertanto Drs. Jasa Kantor Akuntan Publik (KAP) Menyajikan 386.000.000,00
Grace Hertanto Untuk Pemeriksaan Laporan Keuangan secara wajar,
Statements of Perum Jamkrindo for Fiscal (Unqualified
Year 2017 Opinion)
2016 KAP Hertanto Drs. Jasa Kantor Akuntan Publik (KAP) Menyajikan 387.612.500,00
Grace Hertanto Untuk Pemeriksaan Laporan Keuangan secara wajar,
Year 2016 Opinion)
2015 KAP Hertanto Drs. Jasa Kantor Akuntan Publik (KAP) Untuk Menyajikan 389.565.000,00
Grace Hertanto Pemeriksaan Konsolidasian Perusahaan secara wajar,
Karunawan Umum (Perum) Jaminan Kredit Indonesia dalam semua hal
(HGK) Tahun Buku 2015 yang material
Year 2015 Opinion)

PENGHARGAAN DAN SERTIFIKASI
Awards and Certifications
28 Maret | March 24 April | April
Juara III Silver Winning the Most Promising

Kategori Tata Kelola Terbaik Company in Marketing 3.0 Kategori
Emerging Corporate Perusahaan
Silver Winning the Most Promising
The Third Place in the
Company in Marketing 3.0 in the
Emerging Corporate Company Category
Governance Category
Acara / Event :
Acara / Event : BUMN Markeeters Awards 2019
8th Anugerah BUMN 2019 oleh/by: Majalah Markeeters
oleh/by: BUMN Track Markeeters Magazine
Juli | July 13
Rekor Muri atas Rekor Pemberian Paket
Alat Sekolah kepada Pelajar Terbanyak
(49.000 Paket)
Muri Record for the Record of Giving
School Equipment Packages to Students
at Most (49,000 Packages)
Acara / Event :
Pemecahan Rekor Muri pada HUT ke-49
Jamkrindo / Breaking Muri Records at
Jamkrindo’s 49th Anniversary
oleh/by: MURI
Agustus | August 30
Kategori Terpopuler di Media
Online Sub Kategori BUMN non
Tbk.
The Most Popular Category in
Online Media Sub Category of Non-
Public BUMN
Acara / Event :
Anugerah Humas Indonesia 2019
oleh/by: PR Indonesia
Silver Winner Kategori Best Leader

Supporting PR & Comunnication
Sub Kategori BUMN untuk Bapak
Randi Anto
8 Oktober | October
Program BHUN Terbaik
Silver Winner for Best Leader II sebagai PIC di Provinsi
Supporting PR & Communication Gorontalo
Category, SOEs Sub Category, for Mr. The Second Place for BHUN
Randi Anto Program as a PIC in Gorontalo
Acara / Event : Province
Anugerah Humas Indonesia Acara / Event :
2019 BHUN Award 2019
oleh/by: PR Indonesia oleh/by: Kementerian BUMN
The Ministry of SOE
30 Agustus | August

15 Oktober | October 15 Oktober | October
Best in Class Global

Performance Excellence Award
2019 (APQO)
Best in Class Global
Performance Excellence Award
2019 (APQO)
Acara / Event :
Global Performance Excellence
Award 2019
oleh/by: Asia Pacific Quality
Organization (APQO)
APQO President Award for Demonstrated Excellence 2019 untuk

Bapak Randi Anto (APQO)
APQO President Award for Demonstrated Excellence 2019 for Mr.
Randi Anto (APQO)
Acara / Event : Global Performance Excellence Award 2019
oleh/by: Asia Pacific Quality Organization (APQO)
25 Oktober | October
Commitment to Excellence /
3 Star Recognition untuk Tim
SIMR dan SIPP
Commitment to Excellence / 3
Star Recognition for the SIMR
and SIPP Teams
Acara / Event :
APQO International ACE Award The Most Outstanding Guarantee Company in 2019
2019
The Most Outstanding Guarantee Company in 2019
oleh/by: Asia Pacific Quality
Organization (APQO) Acara / Event : Infobank Award
oleh/by: Infobank
15 Oktober | October

5 November | November November | November 5
Brand Communication Terbaik Corporate Branding International Sales dan Marketing Terbaik Corporate
BUMN bidang Jasa keuangan, jasa Survei dan Konsultan Marketing BUMN bidang Jasa keuangan, jasa Survei dan
Bidang Rekstrukturisasi dan Pengembangan Usaha Konsultan Bidang Rekstrukturisasi dan Pengembangan Usah
The Best Brand Communication for Corporate Branding Best International Sales and Marketing for SOEs Corporate
of SOEs in the field of Financial Services, Survey and Marketing in the field of Financial Services, Survey and
Consultant Services in the Field of Reconstruction and Consultant Services in the Field of Reconstruction and
Business Development Business Development
Acara / Event : Acara / Event :
7th BUMN Branding & Marketing Award 2019 7th BUMN Branding & Marketing Award 2019
oleh/by: BUMN Track oleh/by: BUMN Track
1st Best Risk Management Indonesia Top Leader Award untuk Bapak Randi
Kategori SOEs Company (Warta Ekonomi) Anto kategori Lembaga Penjamin (Warta Ekonomi)
1st Best Risk Management Indonesia Top Leader Award for Mr. Randi Anto in the
Category of SOEs Company (Warta Ekonomi) Guarantee Institutions Category (Warta Ekonomi)
Acara / Event : Acara / Event :
Piagam Economic Review Piagam Economic Review
oleh/by: Warta Ekonomi oleh/by: Warta Ekonomi
6 Desember | December Desember | December

6
SERTIFIKASI YANG BERLAKU DI TAHUN 2020 CERTIFICATION THAT APPLIES IN 2020
Tanggal Dikeluarkannya Dikeluarkan Masa Berlaku
Jenis Sertifikat
Sertifikasi Oleh Hingga
Certificate Type
Date of Certification Issued Issued by Validity Period Until
2 Mei 2018 Sertifikasi Manajemen Mutu ISO 9001:2015 Sucofindo 1 Mei 2021
May 2, 2018 ISO 9001: 2015 Quality Management Certification May 1, 2021

DAFTAR ALAMAT ENTITAS ANAK DAN KANTOR CABANG / KANTOR PERWAKILAN
List of Addresses of Subsidiaries and Branch Offices/Representative Offices
KC Aceh
KC Medan
KC Tarakan
KC Balige
KC Pekanbaru KC Pontianak
KC Samarinda
KC Batam
KC Tanjung Pinang
KC Padang KC Palembang
KC Pangkal Pinang
KC Jambi
KC Bengkulu KC Bandar Lampung

KC Palangkaraya
KC DKI Jakarta KC Banjarmasin KC Balikpapan
KC Purwakarta
KC Cirebon
KC Pekalongan KC Madiun
KC Solo
KC Surabaya
KC Kudus
KC Serang
KC Tangerang
KC Denpasar
KC Sukabumi KC Sumbawa Besar
KC Bandung KC Purwokerto
KC Tasikmalaya KC Semarang KC Kediri
DI Yogyakarta KC Malang
KC Banyuwangi
KC Mataram
Kanwil I Medan Kanwil VI Surabaya
Kanwil II Palembang Kanwil VII Denpasar
Kanwil III Jakarta Kanwil VIII Banjarmasin
Kanwil IV Bandung Kanwil IX Makassar
Kanwil V Semarang Kantor Cabang (KC)

KC Manado
KC Bitung
KC Gorontalo
KC Ternate
KC Sorong
KC Manokwari
KC Palu
KC Jayapura
KC Mamuju KC Ambon
KC Palopo
KC Kendari
KC Makassar
KC Pare-Pare
KC Kupang
KANTOR PUSAT
PERUM JAMKRINDO
PERUM JAMKRINDO HEAD OFFICE
ENTITAS ANAK
SUBSIDIARIES
GEDUNG JAMKRINDO
PT PENJAMINAN JAMKRINDO SYARIAH Jamkrindo Building
GEDUNG JAMKRINDO Jl. Angkasa Blok B-9 Kav.6

Jamkrindo Building Kota Baru, Bandar Kemayoran
Jakarta Pusat 10610
Jl. Angkasa Blok B-9 Kav.6, Lantai 7 Indonesia
Kota Baru, Bandar Kemayoran KONTAK
Jakarta Pusat 10610 +62 21 6540335 CONTACT
Indonesia
KONTAK +62 21 6540344, 6540348
+62 21 6540386 CONTACT
[email protected]
+62 21 6540389
www.jamkrindo.co.id
[email protected]
www.jamkrindosyariah.co.id

KANTOR WILAYAH (KANWIL)
REGIONAL OFFICES
Kanwil Alamat
Regional Offices Address
I Medan Jl. Bukit Barisan No. 03 Medan – 20111; Telp: (061) 88813219 Fax: (061) 88741192
II Palembang Jl. Basuki Rahmat Ruko No. 4 (Depan BLPT), Kec. Kemuning, Palembang 30127, Sumatera Selatan; Telp: (0711) 5556582
Fax: (0711) 5556589
III Jakarta Gedung Jamkrindo, Jl. Angkasa Blok B-9 Kav. 6, Kota Baru, Bandar Kemayoran, Jakarta Pusat 10610, DKI Jakarta; Telp
(021) 6540335 Fax (021) 6540387
IV Bandung Jl. Soekarno Hatta Km. 12 No. 722, Gedebage, Bandung, Jawa Barat; Telp: (022) 7815088 Fax: (022) 7800891
V Semarang Jl. Pamularsih No. 68 A, Semarang, Jawa Tengah; Telp: (024) 7601797; Fax: (024)7614138
VI Surabaya GEDUNG JAMKRINDO, Jl. Raya Bandara Juanda Km. 2 - 3 Surabaya; Telp: (031) 8685567 Fax: (031) 8670568
VII Denpasar Pertokoan Dewata Square Blok A12 Jl. Letda Tantular, Renon. Denpasar -80232; Telp: (0361) 286854 Fax: (0361) 286267
VIII Banjarmasin Jl. Ahmad Yani Km. 3.5 No.210-B, Banjarmasin, Kalimantan Selatan; Telp: (0511) 6744706 Fax: (0511) 3273435
IX Makassar Jl. Lamadukelleng No.25 B, Makassar 90112, Sulawesi Selatan; Telp: (0411) 875836 Fax: (0411) 8099005
KANTOR CABANG KHUSUS

SPECIAL BRANCH OFFICE
Kantor Cabang Khusus / Special Branch Office Alamat / Address
Kantor Cabang Khusus Jakarta Gedung Lippo Kuningan
Jl. H.R. Rasuna Said, Kavling. B 12, RT.6/RW.7, Karet, Kuningan. Jakarta Selatan - 12920
KANTOR CABANG
BRANCH OFFICES
Kanwil Kantor
Alamat
Regional Cabang
Address
Offices Branch Office
Medan Jl. Sei Serayu No. 40, Medan, Sumatera Utara; Telp: (061) 4152827 / 4155767 Fax: (061) 4156775
Pekan Baru Jl. Jend. Sudirman No.150 – Pekanbaru; Telp: (0761) 854311, 854870 Fax: (0761) 848801
Banda Aceh Jl. Syiah Kuala No.10 A-B Kel. Bandar Baru Kec. Kuta Alam Banda Aceh 23126; Telp: (0651) 8016790 Fax: (0651)
8011094
Padang Jl. Khatib Sulaiman No. 47 C, Padang, Sumatera Barat; Telp: (0751) 7050598 Fax: (0751) 447165
I
Tanjung Pinang Komp. Ruko Pamedan, Jl. Raja Ali Haji No. 6, Tanjung Pinang, Kepulauan Riau; Telp: (0771) 316919 Fax: (0771)
316074
Batam Komp Ruko Mahkota Raya Blok G No.9, Jl.Raja Ali Haji Fisabilillah, Batam Center. Batam; Telp: (0778) 7495993
Fax: (0778) 469019
Balige Jl. Siliwangi No. 08 Balige, Tobasa, Sumatera Utara; Telp: (0632) 21501 Fax: (0632) 21722
Palembang Jl. Residen abdul rozak no.188-189 kelurahan kalidoni Palembang; Telp: (0711) 7826393 Fax: (0711) 7826398
Jambi Jl. Sumantri Brojonegoro No. 23 RT 11 Kelurahan Payo Lebar Kecamatan Jelutung, Kota Jambi, Telp: (0741)
668707 Fax: (0741) 668115
Bengkulu Jl. Ahmad Yani Rt. 004 / Rw 001 No.28 Kelurahan Jitra, Kecamatan Teluk Segara, Kota Bengkulu-38119; Telp:
II
(0736) 344541 Fax: (0736) 344249
Lampung Jl. Jend Sudirman No.128 RT.001 RW 001, Rawa Laut, Enggal. Bandar Lampung; Telp: (0721) 778511 Fax: (0721)
778513
Pangkal Pinang Jl. A Yani No. 11 H Pangkal Pinang – 33136; Telp: (0717) 432837 Fax: (0717) 436816
Jakarta Gedung Jamkrindo, Jl. Angkasa Blok B-9 Kav. 6, Kota Baru, Bandar Kemayoran, Jakarta Pusat 10610, DKI Jakar-
ta; Telp: (021) 6540409 Fax: (021) 6540410
Pontianak Perkantoran Pontianak Mall Blok A 18-19, Jl. Teuku Umar. Pontianak; Telp: (0561) 749095 Fax: (0561) 746148
III
Serang Ruko Cipare Blok A.1, Jl. Ahmad Yani No. 34 , Serang-Banten 42117; Telp: (0254) 228999 Fax: (0254) 229247
Tangerang Ruko Golden Boulevard Blok C No.1, Jl. Pahlawan Seribu, BSD City, Tangerang Selatan 15322, Banten; Telp:
(021) 53160672 Fax: (021) 53160672

Kanwil Kantor
Alamat
Regional Cabang
Address
Offices Branch Office
Bandung Jl. Soekarno Hatta Km. 12 No. 722, Gedebage, Bandung, Jawa Barat; Telp: (022) 7816267 Fax: (022) 7801890
Cirebon Jl. Dr Sudarsono No. 10 B rt.004 Rw005, Kesambi- Kota Cirebon, Jawa Barat; Telp: (0231) 8336851
Fax: (0231) 8336850
Purwakarta Jl.Terusan Ibrahim Singadilaga No.55 Kel. Purwamekar, Kec. Purwakarta, Kab. Purwakarta Jawa Barat;
IV Telp: (0264) 8304002 Fax: (0264) 8304002
Sukabumi Komplek Ruko Bounty Jl. Siliwangi Blok E No.90 Rt.05/02 Kel. Cikole Kec. Cikole Kota Sukabumi 43113;
Telp: (0266) 6223811 Fax: (022) 6223868
Tasikmalaya Jl. Sutisna Senjaya No. 199 A Ruko No. 6 F Kel. Lengkongsari Tawang-Tasikmalaya; Telp: (0265) 2354445
Fax: (0265) 314169
Semarang Jl. Pamularsih No. 68 A Semarang; Telp: (024) 7614136/ 7610129 Fax: (024) 7614138
Yogyakarta Jl. HOS Cokroaminoto No.161 A, Tegalrejo Kota Yogyakarta - 55244; Telp: (0274) 5012288 / 5012323
Fax: (0274) 5012545
Solo Jl. Dr. Rajiman No.531 A, Kelurahan Laweyan, Kec Laweyan – Surakarta; Telp: (0271) 719807 Fax: (0271) 723564
V Purwokerto Ruko Centrum Unit A, Jl. Komisaris Bambang Suprapto No. 21-23 Kel. Purwokerto Lor, Kec.Purwokerto Timur,
Kabupaten Banyumas. Jawa Tengah; Telp: (0281) 6572555 Fax: (0281) 6574755
Kudus Jl. Jend. Sudirman Ruko Sudirman Square No. 12-14 Kel. Nganguk, Kec Kota Kudus. Jawa Tengah – 59312;
Telp: (0291) 430757 Fax: (0291) 430758
Pekalongan Komplek Ruko Diponegoro, Jl. Diponegoro No.38,Dukuh, Pekalongan Utara. Pekalongan – 51146; Telp: (0285)
4420770 Fax: (0285) 4420777
Surabaya Jl. Diponegoro No. 171. Surabaya, Telp: (031) 5679848 Fax: (031) 5679592
Kediri Jl. Kilisuci No.85 Kota Kediri; Telp: (0354) 7418826Fax: (0354) 680881
Banyuwangi Jl. Letjend S. Parman No. 116, Kel. Sumberrejo, Kec Banyuwangi, Kab Banyuwangi – 68419; Telp: (0333) 418140
VI
Fax: (0333) 425804
Malang Jl. Letjend S. Parman No. 56 Blok A-4 Malang; Telp: (0341) 4377377 Fax: (0341) 4378177
Madiun Jl. Thamrin No. 38, Madiun – 63117; Telp: (0351) 4472250 Fax: (0351) 4472249
Denpasar Jl. Hangtuah No. 76 Denpasar; Telp: (0361) 286854 Fax: (0361) 286709
Mataram Ruko 4, Jl. Sriwijaya No. 179. Mataram; Telp: (0370) 644573/ 644747 Fax: (0370) 644572
VII Sumbawa Besar Jl. Hasanuddin No. 82 kec. Sumbawa Besar NTB; Telp: (0371) 2629239 Fax: (0371) 24525
Kupang Jl. Jenderal Soeharto No.110 Blok.A, RT 20, RW 008, Kel Naikolan, Kec Maulafa, Kota Kupang-NTT 85111;
Telp: (0380) 8553899 Fax: (0380) 8554088
Samarinda Jl. A Yani No. 37 Kec. Sungai Pinang, Kel. Sungai Pinang Dalam, Samarinda, Kalimantan Timur 75117;
Telp: (0541) 747608 Fax: (0541) 206578
Banjarmasin Jl. Gatot Subroto No.17 B Kuripan Banjarmasin-70236; Telp: (0511) 3273345 Fax: (0511) 3273435
VIII Palangkaraya Jl. Christopel Mihing No. 31 Palangkaraya; Telp: (0536) 3226895 Fax: (0536) 3242394
Tarakan Jl. Jend Sudirman RT.04 Kel. Pamusian, Kec. Tarakan Tengah, Tarakan - 77113; Telp: (0551) 30448
Fax: (0551) 30494
Balikpapan Jl. Jend. Sudirman No.11. Balikpapan - 76114; Telp: (0542) 8504032 Fax: (0542) 8504033
Makassar Jl. Dr. Sam Ratulangi No. 140, Makassar, Sulawesi Selatan; Telp: (0411) 873031
Gorontalo Jl. HB Jassin No.218, Kel. Libuo Kec. Dungingi. Kota Gorontalo; Telp: (0435) 828003 Fax: (0435) 828002
Mamuju Jl. Marthadinata No.11. Mamuju; (0426) 2324979
Ambon Jl Philip Latumahina No.16 Ruko 1 Ambon 97126; Telp: (0911) 351770
Ternate Jl. Inpres No. 7 Ubo – Ubo Kel. Tabona, Ternate Selatan; (0921) 3122793 Fax: (0921) 3122739
Jayapura Pusat Bisnis Jayapura Ruko Pasifik Permai Blok H No. 17 Kel. Bhayangkara, Kec. Jayapura Utara; Telp: (0967)
524424 Fax: (0967) 524423
Manokwari Jl. Trikora, Wosi Manokwari Barat Kabupaten Manokwari, Papua Barat; Telp: (0986) 214184 Fax: (0986) 214185
IX
Palu Jl. Dewi Sartika No. 58 C, Palu 94121, Sulawesi Tengah; Telp: (0451) 488266 Fax: (0451) 488266
Kendari Jl. La Ode Hadi No 56 B, Kendari 93118, Sulawesi Tenggara; Telp (0401) 3196780 Fax: (0401) 3196764
Manado Jl. R.E. Marthadinata No. 43, Manado, Sulawesi Utara; Telp: (0431) 865194/ 865198 Fax: (0431) 873758
Bitung Jl. Sam Ratulangi No. 1, Bitung, Sulawesi Utara; Telp: (0438) 35939 Fax: (0438) 35939
Pare-pare Jl. Andi Mappatola No. 30-C, Parepare, Sulawesi Selatan; Telp: (0421) 2914592 Fax: (0421) 2914592
Palopo Jl. Dr. Sam Ratulangi No. 90 Kec. Wara Utara, Kota Palopo. Provinsi Sulawesi Selatan - 91911; Telp: (0471) 23006
Fax: (0471) 326925
Sorong Jl. Basuki Rahmat Km. 9, Sorong, Papua Barat; Telp: (0951) 329081 Fax: (0951) 329070

KANTOR UNIT PELAYANAN (KUP)
SERVICE UNIT OFFICES
Kanwil KUP
Alamat
Regional Service Unit
Address
Offices Offices
Rantau Prapat Jl. MH Thamrin No. 04 Rantau Prapat, Sumatera Utara; Telp: 0624-326333 Fax: 0624-326222
I Mandailing Natal Jl. Willem Iskandar No. 81 Panyabungan – 22913; Telp: 0636-3221148 Fax: 0636-3221774
Dumai Jl. Jendral Sudirman No.391. Dumai Kota; Telp: 0765-439037 Fax: (0765) 439037
Lubuk Linggau Jl. Yos Sudarso RT 001 No. 366, Kel. Majapahit, Kec. Lubuk Linggau Timur 1, Sumatra Selatan;
II
Telp: (0733) 3281182 Fax: (0733) 3281182
Bogor Jl. Pajajaran No. 28, Warung Jambu, Bogor, Jawa Barat; Telp: (0251) 7564211, Fax: (0251) 7559121
Cibinong Ruko Cibinong City Center, Jl. Tegar Beriman 1 Blok A No. 29, Cibinong, Bogor, Jawa Barat;
III Telp: (021) 29335250; Telp: (021) 82691292
Bekasi Komplek Ruko Sentra Bisnis Bekasi Mustika Pura Blok A Nomor 7Jl. Insinyur Haji Juanda No.137
Kelurahan Bekasi Jaya Kecamatan Bekasi Timur, Kotamadya Bekasi
Cimahi Jl. Amir Mahmud No. 572B-C, RT02/RW02, Padasuka, Cimahi Tengah, Cimahi, Jawa Barat,
IV
Telp: (022) 20661506 Fax: (022) 20661522
Magelang Ruko Metro Square - Mertoyudan, Jl. Raya Magelang-Yogyakarta, Magelang, Jawa Tengah;
V Telp: (0293) 3201767 Fax: (0293) 3201770
Cilacap Jl Jend. Sudirman No 17, Cilacap, Telp: (0282) 531194/ 532010 Fax: (0282) 531115
Surabaya Kota Jl. Dr. Ir. H. Soekarno No. 360 b. Surabaya; Telp: (031) 87858114 Fax: (031) 87858114
Pamekasan Jl. Jokotole No.26, Barurambat Kota, Kec. Pamekasan, Kab. Pamekasan; Telp: (0324) 3510118
Fax: (0324) 3510118
VI
Jember Ruko Gajah Mada Square Blok A-22
Jl. Gajah Mada No. 187. Jember; Telp: (0331) 4431044 Fax: (0331) 4431044
Bojonegoro Jl. WR. Supratman No.15, Bojonegoro – 62111; Telp: (0353) 2898420 Fax: (0353) 2899525
Pangkalan Bun Jl. Iskandar Kec.Arut Selatan, Kab Kotawaringin Barat, Kalimantan Tengah 74113, Telp: (0532) 2074989
VIII
Fax: (0532) 2074992
Watampone Jl. Ahmad Yani No. 29 B, Kel. Jeppe’e, Kec. Tanete Riattang Barat, Kab. Watampone, Sulawesi Selatan;
IX
Telp: (0481) 2921375 Fax: (0481) 2921479

INFORMASI PADA SITUS WEB PERUSAHAAN
Information on the Company’s Website
Perusahaan memiliki situs web resmi dengan alamat The company has an official website with the address
www.jamkrindo.co.id. Situs Web ini berisi informasi seputar www.jamkrindo.co.id. This Website contains information
korporasi Perusahaan. Situs web ini menjadi portal yang about the Company. This website is a portal that can be
dapat diakses secara terbuka, dengan tujuan memberikan accessed openly, with the aim of providing comprehensive
informasi yang komprehensif tentang Perusahaan kepada information about the Company to a broad audience.
khalayak luas.
Uraian Ketersediaan Keterangan

Description Availability Information
Informasi pemegang saham sampai Informasi pemegang saham sampai dengan pemilik akhir individu
dengan pemilik akhir individu telah tersedia di situs web Perusahaan.
Shareholder information up to the √ Shareholder information up to individual final owners is available on
individual final owner the Company’s website.
Isi Kode Etik Informasi terkait isi Kode Etik telah tersedia di situs web Perusahaan.
Code of Conduct √ Information regarding the contents of the Code of Conduct is
available on the Company’s website.
Laporan keuangan tahunan Informasi laporan keuangan tahunan terpisah (5 tahun terakhir)
terpisah (5 tahun terakhir) telah tersedia di situs web Perusahaan.
Separate annual financial √
Information on separate annual financial statements (for the last 5
statements (for the last 5 years) years) are available on the Company’s website.
Profil Dewan Komisaris dan Direksi Profil Dewan Komisaris dan Direksi telah tersedia di situs web
Profile of the Board of Perusahaan.
Commissioner and Board of √
The profiles of the Board of Commissioner and the Board of
Directors Directors are available on the Company’s website.
√: tersedia pada situs web Perusahaan / available on the Company’s website
x: belum tersedia pada situs web Perusahaan / not yet available on the Company’s website

PENDIDIKAN DAN/ATAU PELATIHAN DEWAN KOMISARIS, DIREKSI, KOMITE-
KOMITE, SEKRETARIS PERUSAHAAN, DAN UNIT AUDIT INTERNAL
Education and/or Training of The Board of Commissioner, Board of Directors,
Committees, Corporate Secretary, and Internal Audit Unit
Perusahaan memberikan kesempatan yang sebesar- The company provides a great opportunity for all Jamkrindo
besarnya bagi semua insan Jamkrindo, tak terkecuali Dewan personnel, including the Board of Commissioner, Board of
Komisaris, Direksi, Anggota Komite-Komite, dan satuan kerja Directors, Members of Committees, and other work units
lainnya untuk selalu dapat mengikuti perkembangan hal-hal to always be able to keep abreast of matters related to the
terkait dunia usaha, industri penjaminan, serta peraturan business world, the guarantee industry, and related laws
dan perundang-undangan terkait. Perusahaan pun and regulations. The company also facilitates it through the
memfasilitasinya melalui kegiatan program pengembangan activities of competency development programs in the form
kompetensi berupa seminar, workshop, atau kegiatan lain of seminars, workshops, or other activities that can improve
yang dapat meningkatkan pengetahuan dan kompetensi their knowledge and competencies.
masing-masing.
Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Names and Types of Education and Training Materials Place / Date Organizer
Positions Education and
Training
Dewan Komisaris / Board of Commissioner
Sri Mulyanto Diklat fungsional Full Day Seminar Auditor’s Talk untuk pengutuatan peran Jakarta, 9 Mei 2019 Komisi Pemberantasan
Ketua/Chairman Functional Satuan Pengawas Internal (SPI) BUMN Jakarta, May 9, 2019 Korupsi (KPK)
training Auditor’s Talk Full Day Seminar to Strengthen the Role of Corruption Eradication
SOEs Internal Control Unit Commission
Diklat Teknis Innovation and Cooperation in Financing SMEs Brazil, 26 - 27 Forum ke - XXIV Ibero-
Technical Innovation and Cooperation in Financing SMEs September 2019 American Forum on
Training Brazil, September Guarantee and Financing
26-27, 2019 System for SME
The XXIV Ibero-American
Forum on Guarantee and
Financing System for SMEs
Diklat fungsional Penyusunan Key Performance Indicators (KPI) RKAP Tahun Jakarta, 5 November Kementrian BUMN
Functional 2020 2019 The Ministry of SOEs
training Preparation of the 2020 RKAP Key Performance Jakarta, November
Indicators (KPI) 5, 2019
Diklat fungsional Komisaris Profesional Jakarta, 20 - 21 Inti Pesan Pariwara
Functional Professional Commissioners November 2019
training Jakarta, November
20-21, 2019
Diah Natalisa Diklat fungsional Komisaris Profesional Jakarta, 20 - 21 Inti Pesan Pariwara
Anggota Dewan Functional Professional Commissioners November 2019
Komisaris/ training Jakarta, November
Member of Board 20-21, 2019
of Commissioner
Ari Wahyuni Diklat Leadership Digital Leadership Jakarta, 3 - 4 PT Pertamina Training &
Anggota Dewan Leadership Oktober 2019 Consulting
Komisaris/ Training Jakarta, October 3 –
Member of Board 4, 2019
of Commissioner
Diklat Leadership From Evolution to Revolution Jakarta, 13 - 15 Sustainable and Respomsible
Leadership November 2019 Investing (SRI)
Training Jakarta, November
13-15, 2019
Diklat fungsional Komisaris Profesional 20 - 21 November Inti Pesan Pariwara
Functional Professional Commissioners 2019
training November 20-21,
2019

Jenis
Training
Noor Ida Diklat Teknis/ Refleksi Konstitusi di Era 4.0 dalam Penguatan Jakarta, 24-04-2019 Universitas Brawijaya
Khomsiyati Functional Penegakan Hukum Pertanggungjawaban Pidana Jakarta, April 24, Brawijaya University
Anggota Dewan training Korporasi pada Tindak Pidana Korupsi 2019
Komisaris/ Reflections on the Constitution in Era 4.0 in
Member of Board Strengthening Law Enforcement of Corporate Criminal
of Commissioner Liability in Corruption
Diklat Teknis/ Innovation and Cooperation in Financing SMEs Brazil, 26 - 27 Forum ke - XXIV Ibero-
Functional September 2019 American Forum on Guarantee
training Brazil, September and Financing System for SME
26-27, 2019 The XXIV Ibero-American
Diklat Penyusunan Key Performance Indicators (KPI) RKAP Jakarta, 5 November Kementrian BUMN
fungsional/ Tahun 2020 2019 The Ministry of SOEs
Functional Preparation of the 2020 RKAP Key Performance Jakarta, November
training Indicators (KPI) 5, 2019
Diklat Komisaris Profesional Jakarta, 20 - 21 Inti Pesan Pariwara
fungsional/ Professional Commissioners November 2019
Functional Jakarta, November
training 20-21, 2019
M Muchlas Rowi Diklat Penyusunan Key Performance Indicators (KPI) RKAP Jakarta, 5 November Kementrian BUMN
Anggota Dewan fungsional/ Tahun 2020 2019 The Ministry of SOEs
Komisaris/ Functional Preparation of the 2020 RKAP Key Performance Jakarta, November
Member of Board training Indicators (KPI) 5, 2019
of Commissioner Diklat Komisaris Profesional Professional Commissioners 20 - 21 November Inti Pesan Pariwara
fungsional/ 2019
Functional November 20-21,
training 2019
Direksi / Board of Directors
Randi Anto Diklat Full Day Seminar Auditor’s Talk untuk penguatan peran Jakarta, 9 Mei 2019 Kementrian BUMN
Direktur Utama/ fungsional/ Satuan Pengawas Internal (SPI) BUMN”. Jakarta, May 9, 2019 The Ministry of SOEs
President Director Functional Full-Day Seminar on Auditor’s Talk to Strengthen the Role
training of SOEs’ Internal Control Unit (SPI) “.
Diklat Indonesia Risk Management Outlook Bali, 12 November Lembaga Pengembangan
fungsional/ 2019 Perbankan Indonesia
Functional Bali, November 12, Indonesian Banking
training 2019 Development Institute
Amin Mas’udi Diklat Workshop Perumusan Peta Kompetensi Rancangan Jakarta, 21 Maret OJK/FSA
Direktur Bisnis fungsional/ Standar Kompetensi Kerja Nasional Indonesia (RSKKNI) 2019
Penjaminan/ Functional Bidang Penjaminan Jakarta, March 21,
Director of training Workshop on Formulation of Competency Maps for 2019
Business of the Design of Indonesian National Work Competency
Guarantee Standards (RSKKNI) of the Guarantee Field
Diklat The 5th International Certified Wealth Manager (CWM) & Rusia, 14-21 Certified Wealth Managers’
fungsional/ Continuing Professional Development (CDP) Executive September 2019 Association
Functional Program 2019 Russia, September
Kadar Diklat Workshop Perumusan Peta Kompetensi Rancangan Jakarta, 21 Maret OJK/FSA
Wisnuwarman fungsional/ Standar Kompetensi Kerja Nasional Indonesia (RSKKNI) 2019
Direktur Functional Bidang Penjaminan
Operasional dan training Workshop on Formulation of Competency Maps for Jakarta, March 21,
Jaringan/Director the Design of Indonesian National Work Competency 2019
of Opeerations Standards (RSKKNI) of the Guarantee Field
and Network
Diklat The 5th International Certified Wealth Manager (CWM) & Rusia, 14-21 Certified Wealth Managers’
fungsional/ Continuing Professional Development (CDP) Executive September 2019 Association
Functional Program 2019 Russia, September

Jenis
Training
Sulis Usdoko Diklat Workshop Perumusan Peta Kompetensi Rancangan Jakarta, 21 Maret OJK/FSA
Direktur MSDM, fungsional/ Standar Kompetensi Kerja Nasional Indonesia (RSKKNI) 2019
Umum dan Functional Bidang Penjaminan Jakarta, March 21,
Kepatuhan/ training Workshop on Formulation of Competency Maps for 2019
Director of HR the Design of Indonesian National Work Competency
Management, Standards (RSKKNI) of the Guarantee Field
General Affairs
Diklat HR Director 2019 Jakarta, 19 Februari PT. Intipesan Pariwara
and Compliance
Kepemimpinan 2019
Leadership Jakarta, February
Training 19, 2019
Diklat Membangun Bangsa Melalui Penguatan Sinergi & Jakarta, 26 Maret FHCI BUMN
fungsional/ Solidaritas BUMN 2019
Functional Building the Nation through Strengthening Synergy & Jakarta, March 26,
training Solidarity of SOEs 2019
Diklat Seminar Digital Transformation in Insurance Industry to Jakarta, 15 Agustus National-Re
fungsional/ Win Market 2019
Functional Seminar on Digital Transformation in the Insurance Jakarta, August 15,
training Industry to Win Market 2019
Diklat Seminar Winning in The Digital Age, Building Digital and Jakarta, 24-25 GML Performance Consulting
fungsional/ Agile Organization Capabilities Oktober 2019
Functional Seminar on Winning in The Digital Age, Digital Building Jakarta, October
training and Agile Organization Capabilities 24-25, 2019
Diklat Peter Drucker Forum “The Power of Ecosystem” Austria, 20-22 Peter Drucker Forum
Leadership November 2019
Leadership Austria, November
Training 2-22, 2019
I. Rusdonobanu Diklat Workshop Program PKBL BUMN Tahun 2019 15 Maret 2019 Kementrian BUMN
Direktur fungsional/ Workshop on SOEs PKBL Program 2019 March 15, 2019 The Ministry of SOEs
Keuangan, Functional
Investasi & training
Manajemen Diklat Innovation and Cooperation in Financing SMEs 26 - 27 September Forum ke - XXIV Ibero-
Risiko/Director fungsional/ 2019 American Forum on
of Finance, Functional Guarantee and Financing
September 26-27,
Investment training System for SME
2019
and Risk
The XXIV Ibero-American
Management)
Diklat The 1st ASEAN CPA Conference 2019 Bali, 16-17 Oktober CPA Asean
fungsional/ 2019
Functional Bali, October 16-17,
training 2019
Diklat Workshop Penyusunan KPI RKAP 2020 oleh BUMN Jakarta, 5 November Kementrian BUMN
fungsional/ Workshop on Preparation of the 2020 RKAP KPI by SOEs 2019 The Ministry of SOEs
Functional Jakarta, November
training 5, 2019
Diklat Seminar Economic Outlook 2020 “Strategi Penguatan Jakarta, 29 Jamkrindo
Kepemimpinan Kapabilitas SDM UMKM di Era Digital Dalam Menghadapi November 2019
Leadership Persaingan Global Jakarta, November
Training Economic Outlook 2020 Seminar “Strategy for 29, 2019
Strengthening the Capability of MSME Capabilities in the
Digital Era in Facing Global Competition
Komite / Committees
Alvin Nur Diklat Teknis/ Digital Leadership Jakarta, 3-4 Oktober Pertamina Training &
Widjajanti Functional 2019 Consulting
Sekretaris training Jakarta, October 3-4,
Komite/ Secretary 2019
of the Committee

Jenis
Training
Safari Mirza Diklat Certification in Audit Committee Practices Jakarta, 5-7 Indonesian Institute of Audit
Komite fungsional/ November 2019 Committee
Manajemen Functional Jakarta, November
Risiko/Risk training 5-7, 2019
Management
Committee
Sekretaris Perusahaan / Corporate Secretary
Abdul Bari “Business Coaching & Strategic Leadership” Balai Pustaka, 14 - 15 Perum Jamkrindo
Sekretaris Februari 2020
Perusahaan) Balai Pustaka,
/ (Corporate February 14-15, 2020
Secretary)
Workshop PSAK 71 Kantor Pusat, 26 Perum Jamkrindo
PSAK 71 Workshop September 2019
Head Office,
September 26, 2019
Pembekalan Manajemen Risiko level 3 Kadiv, Pinwil, Kantor Pusat, 14 - 15 Perum Jamkrindo
Pinca November 2019
Level 3 Risk Management Briefing for Division Heads, Head Office,
Regional Leaders, Branch Managers November 14-15,
2019
Uji Sertifikasi Manajemen Risiko level 3 Kadiv, Pinwil, Kantor Pusat, 16 Perum Jamkrindo
Pinca November 2019
Level 3 Risk Management Certification Test for Division Head Office,
Heads, Regional Leaders, Branch Managers November 16, 2019
Anggit Professional Communication Batch I Kantor Pusat, 5 - 6 Perum Jamkrindo
Murdiwibowo Maret 2020
Kepala Bagian Head Office, March
Kesekretariatan)/ 5-6, 2019
(Head of Hari Mutu HR Director Summit Kantor Pusat, 22 Perum Jamkrindo
Secretariat Februari 2019
Quality Day of HR Director Summit
Section)
Head Office,
February 22, 2019
Uji Sertifikasi Manajemen Risiko level 1 Kabag Kantor Pusat, 16 Perum Jamkrindo
Level 1 Risk Management Certification Test for Section November 2019
Heads Head Office,
November 16, 2019
Wildan Pembekalan Sertifikasi Manajemen Risiko level 2 Kantor Pusat, 1-2 Perum Jamkrindo
Ramadhan Level 2 Risk Management Certification Briefing Agustus 2019
Firdaus Head Office, August
1-2, 2019
Uji Sertifikasi Manajemen Risiko level 2 Kantor Pusat, 24 Perum Jamkrindo
Level 2 Risk Management Certification Test Agustus 2019
Head Office, August
24, 2019
Professional Communication Umum & Hukum Kantor Pusat, 25 - 26 Perum Jamkrindo
General & Legal Professional Communication Januari 2020
Head Office, January
25-26, 2020
Hari Mutu Consultative Marketing Kantor Pusat, 11 Perum Jamkrindo
The Quality Day of Consultative Marketing January 2019
11, 2019
Healthy Lifestyle Kantor Pusat, 4 Perum Jamkrindo
January 2019
4, 2019

Jenis
Training
Anzil Firdausi Hari Mutu Review Temuan SPI 5 Juli 2019 Perum Jamkrindo
Nuzula The Quality Day of the SPI Findings Review July 5, 2019
Menjadi Humas BUMN Handal Bandung, 21 - 22 Intrinsics
Become Reliable SOEs Public Relations Februari 2020
Bandung, February
21-22, 2020
Pelatihan Penulisan & Kehumasan Balai Pustaka, 26 Perum Jamkrindo
Writing & Public Relations Training Januari 2019
Balai Pustaka,
January 26, 2019
Januari 2019
4, 2019
Dzikri Maulana Manajemen Perkantoran Modern 4.0 Jakarta, 26 April F2N Human Development
Office Management of Modern 4.0 2019 Centre dan PT Swandra Mitra
Jakarta, April 26, Konsultan
2019 F2N Human Development
Centre and PT Swandra Mitra
Konsultan
Cahyadi Haryo Manajemen Perkantoran Modern 4.0 Jakarta, 26 April F2N Human Development
Pratomo Office Management of Modern 4.0 2019 Centre dan PT Swandra Mitra
Konsultan
Januari 2019
4, 2019
Levinda Juliana Manajemen Perkantoran Modern 4.0 Jakarta, 26 April F2N Human Development
Office Management of Modern 4.0 2019 Centre dan PT Swandra Mitra
Konsultan
Januari 2019
4, 2019
Rully Arieffandy Hari Mutu Sosialisasi Aplikasi SIPP Kantor Pusat, 22 Perum Jamkrindo
The Quality Day of the SIPP Application Socialization Maret 2019
Head Office, March
22, 2019
Hari Mutu Pengenalan produk-produk Asuransi dan Kantor Pusat, 25 Perum Jamkrindo
Potensi Sinergi Bisnis Penjaminan Januari 2019
The Quality Day for Introduction of Insurance products Head Office, January
and the Guarantee Business Synergy Potential 25, 2019
Januari 2019
4, 2019
Lulu Drusyita Healthy Lifestyle Kantor Pusat, 4 Perum Jamkrindo
Januari 2019
4, 2019

Jenis
Training
Audit Internal/Satuan Pengawasan Intern / Internal Audit/Internal Control Unit
Karinu Aji Wira Pembekalan Sertifikasi Manajamen Risiko Level 1 Kantor Pusat, 2-3 LSPP
Kusuma Level 1 Risk Management Certification Briefing Mei 2019
Head Office, May
2-3, 2019
Ujian Sertifikasi Manajamen Risiko Level 1 Kantor Pusat, 4 Mei LSPP
Level 1 Risk Management Certification Test 2019
Head Office, May
4, 2019
Professional Communication Batch IV Kantor Pusat, 25 - 26 Perum Jamkrindo
Maret 2019
Head Office, March
25-26, 2019
Level 1 Risk Management Certification Test for Section Desember 2019
Heads Head Office,
December 7, 2019
Faisal Arief Hari Mutu Perdir SMK 3 No.3 Perdir 4 VIII 2018 Kantor Pusat, 28 Juni Perum Jamkrindo
Sentosa The Quality Day of Directors’ Regulation No. 3 on - 28 Juli 2019
Occupational Health and Safety Management System, Head Office, June
Directors’ Regulation 4 VIII 2018 28-July 28, 2019
QIA Manajerial Jakarta, 18 - 27 YPIA
Managerial QIA Maret 2019
Jakarta, March 18-
27, 2019
Laila Wijayanti Hari Mutu Perdir SMK 3 No.3 Perdir 4 VIII 2018 Kantor Pusat, 28 Juni Perum Jamkrindo
The Quality Day of Directors’ Regulation No. 3 on - 28 Juli 2019
Occupational Health and Safety Management System, Head Office, June
Directors’ Regulation 4 VIII 2018 28-July 28, 2019
Hari Mutu Produk Pegadaian Kantor Pusat, 16 Juni Perum Jamkrindo
The Quality Day of Pawnshop Product 2019
Head Office, June
16, 2019
Dadang Ary 2019 II A Indonesia National Conference Jawa Tengah, 24 - 25 The Institute of Internal
Aviyanto Juli 2019 Auditors Indonesia
Central Java, July
24-25, 2019
Ujian Sertifikasi Manajemen Risiko level 2 Pinca Kantor Pusat, 7 Perum Jamkrindo
Level 2 Risk Management Certification for Branch September 2019
Managers Head Office,
September 7, 2019
In House Training Workshop Strategi Penyusunan RKAP Kantor Pusat, 17 - 18 Perum Jamkrindo
In House Training, Workshop on RKAP Preparation September 2019
Strategy Head Office,
September 17-18,
2019
Head Office,
September 26, 2019

Jenis
Training
Aditya Putra Pembekalan Sertifikasi Manajemen Risiko level 2 Kabag Kantor Pusat, 23 - 24 Perum Jamkrindo
Darmawan pusat Mei 2019
Level 2 Risk Management Certification Briefing for Head Head Office, May
Office’s Section Heads 23-24, 2019
Ujian Sertifikasi Manajemen Risiko level 2 Kabag pusat Kantor Pusat, 21 Juni Perum Jamkrindo
Level 2 Risk Management Certification Test for Central 2019
Section Heads Head Office, June
21, 2019
Pelantikan QIA dan Seminar Nasional Internal Audit 2019 Palembang, 24 - 25 YPIA
Inauguration of QIA and the 2019 Internal Audit National April 2019
Seminar Palembang, April
24-25, 2019
Professional Communication Batch II Kantor Pusat, 8 - 9 Perum Jamkrindo
Maret 2019
Head Office, March
8-9, 2019
Michael Ranap QIA Manajerial Jakarta, 18 - 27 YPIA
Simanjuntak Managerial QIA Maret 2019
Jakarta, March 18-
27, 2019
The Quality Day of Consultative Marketing Januari 2019
11, 2019
Januari 2019
4, 2019
Agus Mirazul Pelatihan Awareness & Audit Internal Jakarta, 13 - 15 Sucofindo
Fajar Awareness & Internal Audit Training Maret 2019
Jakarta, March 13-
15, 2019
Professional Communication Batch I Kantor Pusat, 5 - 6 Perum Jamkrindo
Maret 2019
Head Office, March
5-6, 2019
Januari 2019
4, 2019
September 17-18,
2019
Heads Head Office,
November 16, 2019
Irmatati Professional Communication Batch I Kantor Pusat, 5 - 6 Perum Jamkrindo
Maret 2019
Head Office, March
5-6, 2019
Uji Sertifikasi Manajemen Risiko level 1 Kabag Kantor Pusat 30 Perum Jamkrindo
Heads Head Office,
November 30, 2019

Jenis
Training
Andik Sugiarto Hari Mutu Klaim Asuransi Kantor Pusat, 15 Perum Jamkrindo
The Quality Day of Insurance Claims Februari 2019
Head Office,
February 15, 2019
Aldhy Haryono Hari Mutu Audit & Auditor Hukum Kantor Pusat, 1 Perum Jamkrindo
Fachrial The Quality Day of the Legal audit and Auditor Februari 2019
Head Office,
February 1, 2019
Muhammad Hari Mutu Audit & Auditor Hukum Kantor Pusat, 1 Perum Jamkrindo
Ilham The Quality Day of the Legal audit and Auditor Februari 2019
Head Office,
February 1, 2019
Arif Syachroni Healthy Lifestyle Kantor Pusat, 4 Perum Jamkrindo
Januari 2019
4, 2019
Manajemen Risiko / Risk Management
Ceriandri Widuri Ujian Sertifikasi Manajemen Risiko Level 2 Kantor Pusat, 23 LSPP
Level 2 Risk Management Certification Test April 2019
Head Office, April
23, 2019
“Business Coaching & Strategic Leadership” Kantor Pusat, 14 - 15 Perum Jamkrindo
Februari 2019
Head Office,
February 14-15, 2019
September 17-18,
2019
Head Office,
September 26, 2019
Pembekalan & Uji Sertifikasi Manajemen Risiko level 3 Kantor Pusat, 14 - 16 Perum Jamkrindo
Kadiv, Pinwil, Pinca November 2019
Level 3 Risk Management Certification Test for Division Head Office,
Heads, Regional Leaders, Branch Managers November 14-16,
2019

Jenis
Training
Iwan Hermanto Pembekalan Sertifikasi Manajemen Risiko level 2 Kantor Pusat, 1 - 2 Perum Jamkrindo
Level 2 Risk Management Certification Briefing Agustus 2019
Head Office, August
1-2, 2019
Head Office, August
24, 2019
Maret 2019
Head Office, August
1-2, 2019
Januari 2019
4, 2019
Pelatihan dan Sertifikasi Pendamping UMKM 29 - 30 Agustus 2019 Global Entrepreneur
MSME Companion Training and Certification August 29-30, 2019 Proffesional
Uji Kompetensi Pendamping UMKM 31 Agustus 2019 Global Entrepreneur

MSME Companion Competency Test August 31, 2019 Proffesional
Temy Uswatun Hari Mutu Review Temuan SPI Kantor Pusat, 5 Juli Perum Jamkrindo
Hasanah The Quality Day of the SPI Findings Review 2019
Head Office, July 5,
2019
11, 2019
Mengelola dan Mengukur Resiko Kredit (Credit Scoring, 16 - 17 Mei 2019 Nayottama
Migration Analysis, Credit Portfolio) May 16-17, 2019
Managing and Measuring Credit Risk (Credit Scoring,
Migration Analysis, Credit Portfolio)
Tito Tetrasuta Pembekalan Sertifikasi Manajemen Risiko level 2 Kabag Kantor Pusat, 23 - 24 Perum Jamkrindo
pusat Mei 2019
21, 2019
Januari 2019
4, 2019
Pelatihan dan Sertifikasi Pendamping UMKM 29-30 Agustus 2019 Global Entrepreneur

Woro Sulistyo Hari Mutu Produk Pegadaian Kantor Pusat, 16 Juni Perum Jamkrindo
Wulandari The Quality Day of Pawnshop Product 2019
Head Office, June
16, 2019

Jenis
Training
Doni Nugroho Pembekalan Sertifikasi Manajemen Risiko level 2 Kantor Pusat, 1 - 2 Perum Jamkrindo
Level 2 Risk Management Certification Briefing Agustus 2019
Head Office, August
1-2, 2019
Head Office, August
24, 2019
Hari Mutu Review Temuan SPI Kantor Pusat, 5 Juli Perum Jamkrindo
The Quality Day of the SPI Findings Review 2019
Head Office, July 5,
2019
Mengelola dan Mengukur Resiko Kredit (Credit Scoring, 16 - 17 Mei 2019 Nayottama
Migration Analysis, Credit Portfolio) May 16-17, 2019
Managing and Measuring Credit Risk (Credit Scoring,
Migration Analysis, Credit Portfolio)
Mengukur Resiko Operasional Perbankan (Risk Tolerance Hotel Ashley, 2 - 3 Nayottama
& Risk Appetite,Risk Lost Event Database, Control Self Mei 2019
Assessment, Key Operasional Risk Indicator) Ashley Hotel, May
Measuring Banking Operational Risk (Risk Tolerance & 2-3, 2019
Risk Appetite, Risk Lost Event Database, Control Self
Assessment, Key Operational Risk Indicators)
Hari Mutu Transformasi VUCA Kantor Pusat, 5 April Perum Jamkrindo
The Quality Day of VUCA Transformation 2019
Head Office, April
5, 2019
Maret 2019
Head Office, March
5-6, 2019
Hari Mutu HR Director Summit Kantor Pusat, 22 Perum Jamkrindo
The Quality Day of HR Director Summit Februari 2019
Head Office,
February 22, 2019
Hari Mutu Pengenalan produk-produk Asuransi dan Kantor Pusat, 25 Perum Jamkrindo
Potensi Sinergi Bisnis Penjaminan Januari 2019
The Quality Day for Introduction of Insurance products Head Office, January
and the Guarantee Business Synergy Potential 25, 2019
Pelatihan 2 Days Workshop IFRS 9 (PSAK 71) Credit Risk 3 - 4 Juli 2019 Ikatan Sarjana Ekonomi
Modelling July 3-4, 2019 Indonesia
2 Days Workshop of IFRS 9 (PSAK 71) of Credit Risk Indonesian
Modeling Economists
Association
Danang Agus Hari Mutu Perdir SMK 3 No.3 Perdir 4 VIII 2021 Kantor Pusat, 28 Juli Perum Jamkrindo
Wahyudi The Quality Day of Directors’ Regulation No. 3 on 2019
Occupational Health and Safety Management System, Head Office, July 28,
Directors’ Regulation 4 VIII 2021 2019
Hari Mutu Klaim Asuransi Kantor Pusat, 15 Perum Jamkrindo
Head Office,
February 15, 2019
Januari 2019
Head Office, April
23, 2019

Jenis
Training
Tito Tetrasuta Pembekalan Sertifikasi Manajemen Risiko level 2 Kabag Kantor Pusat, 23 - 24 Perum Jamkrindo
pusat Mei 2019
21, 2019
Januari 2019
4, 2019
Pelatihan dan Sertifikasi Pendamping UMKM 29-30 Agustus 2019 Global Entrepreneur

Woro Sulistyo Hari Mutu Produk Pegadaian Kantor Pusat, 16 Juni Perum Jamkrindo
Wulandari The Quality Day of Pawnshop Product 2019
Head Office, June
16, 2019
Aneka Prasyanti Mengelola dan Mengukur Resiko Kredit (Credit Scoring, Hotel Ashley, 2 - 3 Nayottama
Wahyu Sejati Migration Analysis, Credit Portfolio) Mei 2019
Managing and Measuring Credit Risk (Credit Scoring, Ashley Hotel, MAY
Migration Analysis, Credit Portfolio) 2-3, 2019
Hari Mutu Sosialisasi Aplikasi SIPP Kantor Pusat, 22 Perum Jamkrindo
The Quality Day of the SIPP Application Socialization Maret 2019
Head Office, March
22, 2019
September 17-18,
2019
Benny Satria Powering Indonesian SMEs with Technology Jakarta, 25 April Mekari Confrence
2019
Jakarta, April 25,
2019
Hari Mutu Audit & Auditor Hukum Kantor Pusat, 1 Perum Jamkrindo
The Quality Day of the Legal audit and Auditor Februari 2019
Head Office,
February 1, 2019
11, 2019
Januari 2019
4, 2019


Jenis
Training
Fajar Pratama Powering Indonesian SMEs with Technology Jakarta, 25 April Mekari Confrence
Damopolii 2019
Jakarta, April 25,
2019
Hari Mutu Transformasi VUCA Kantor Pusat, 5 April Perum Jamkrindo
The Quality Day of VUCA Transformation 2019
Head Office, April
5, 2019
Hari Mutu Klaim Asuransi Kantor Pusat, 15 Perum Jamkrindo
Head Office,
February 15, 2019
Hari Mutu Three Lines of Defense Kantor Pusat, 1 Perum Jamkrindo
The Quality Day of Three Lines of Defense Januari 2019
1, 2019

Wulanita Hari Mutu Transformasi VUCA Kantor Pusat, 5 April Perum Jamkrindo
Kuswotanti The Quality Day of VUCA Transformation 2019
Head Office, April
5, 2019
Hari Mutu Three Lines of Defense Kantor Pusat, 1 Perum Jamkrindo
The Quality Day of Three Lines of Defense Januari 2019
1, 2019


Adha Nur Syukur Hari Mutu Klaim Asuransi Kantor Pusat, 15 Perum Jamkrindo
Head Office,
February 15, 2019
Januari 2019
4, 2019
Iwan Hermanto In House Training Workshop Strategi Penyusunan RKAP Kantor Pusat, 17 - 18 Perum Jamkrindo
September 17-18,
2019

IKHTISAR KEUANGAN PENTING TAHUN 2015-2019
Financial Highlights 2015-2019
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
STATEMENT OF FINANCIAL
LAPORAN POSISI KEUANGAN 2019 2018 2017 2016 2015
POSITION
Total Aset 17.543.697 16.240.997 14.678.143 13.408.418 11.642.993 Total Assets
Total Liabilitas 5.589.811 4.945.317 3.554.268 3.108.849 2.166.792 Total Liabilities
Total Ekuitas 11.953.885 11.295.680 11.123.875 10.299.569 9.476.201 Total Equity

COMPREHENSIVE INCOME
LABA RUGI KOMPREHENSIF 2019 2018 2017 2016 2015
(LOSS)
Pendapatan Penjaminan 2.104.732 1.248.710 1.805.686 1.588.441 1.277.488 Guarantee Revenues
Beban Klaim (1.309.531) (723.274) (1.004.610) (871.583) (922.662) Claim Expenses
Penjaminan Bersih 795.201 525.437 801.076 716.858 354.826 Guarantee Fee Net
Pendapatan Investasi Bersih 782.810 684.108 601.634 587.678 599.525 Investment Income - Net
Beban Usaha (809.813) (693.236) (708.169) (657.151) (470.528) Operating Expenses
Pendapatan (Beban) Lain-lain Bersih (2.484) (8.025) 328.679 294.070 307.230 Other Income (Expenses) Net
Laba Sebelum Pajak 765.714 508.284 1.023.221 941.454 790.448 Income Before Tax
Beban Pajak (139.935) (110.740) (221.375) (249.409) (193.669) Income Tax Expenses
Laba Tahun Berjalan 625.779 397.544 801.846 692.045 596.779 Current Year Income
Penghasilan Komprehensif Lain 59.820 (135.957) 57.831 (118.710) 34.094 Other Comprehensive Income
Comprehensive Income for the
Laba Komprehensif Tahun Berjalan 685.599 261.587 859.677 573.335 630.873
Current Year
RASIO KEUANGAN FINANCIAL RATIOS
Rasio Likuiditas Liquidity Ratio
- Current Ratio 378,50% 450,89% 769,09% 712,07% 755,22% Current Ratio -
Rasio Solvabilitas Solvency Ratio
- Debt to Equity Ratio 46,76% 43,78% 31,95% 30,18% 22,87% Debt to Equity Ratio -
Rasio Rentabilitas Profitability Ratio
- Gross Profit Margin 26,60% -0,14% 28,85% 29,75% 25,78% Gross Profit Margin -
- Profit Margin on Sales 26,52% 25,10% 42,50% 43,26% 42,14% Profit Margin on Sales -
- Return on Assets 4,53% 3,29% 7,29% 7,52% 7,30% Return on Assets -
- Return on Equity 3,70% 3,50% 7,49% 6,72% 6,60% Return on Equity -
Rasio Aktivitas Activity Ratio
Perputaran Aset (kali) 17,09 13,11 17,14 17,37 17,32 Asset Turnover (times)

PROFIL PERUSAHAAN 2020 COMPANY PROFILE
Perusahaan Umum Jaminan Kredit Indonesia
PT JAMKRINDO
Jl. Angkasa Blok B-9 Kav.6
Kota Baru, Bandar Kemayoran
Jakarta Pusat 10610, Indonesia
T (021) 6540335
F (021) 6540335
E [email protected]
W www.jamkrindo.co.id

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PROFIL PERUSAHAAN PT JAMKRINDO

COMPANY PROFILE OF PT JAMKRINDO

TANGGAL PENDIRIAN DATE OF ESTABLISHMENT

DASAR HUKUM LEGAL BASIS

BIDANG USAHA LINE OF BUSINESS

JARINGAN USAHA BUSINESS NETWORK

PENYERTAAN MODAL NEGARA STATE EQUITY PARTICIPATION

JUMLAH KARYAWAN NUMBER OF EMPLOYEES

2 PROFIL PERUSAHAAN 2020

+62 21 6540344, 6540348

2020 COMPANY PROFILE

Jamkrindo meningkatkan perannya dalam industri

Jamkrindo increases its role in the national

SELAYANG PANDANG SEJARAH HISTORY OF JAMKRINDO AT A GLANCE

4 PROFIL PERUSAHAAN 2020

2020 COMPANY PROFILE

PERUBAHAN NAMA PERUSAHAAN THE CHANGE OF THE COMPANY’S NAME

6 PROFIL PERUSAHAAN 2020

Indonesian Credit Guarantee Public

1981 Perusahaan Umum

Public Corporation for Cooperative

2020 COMPANY PROFILE

8 PROFIL PERUSAHAAN 2020

2020 COMPANY PROFILE

10 PROFIL PERUSAHAAN 2020

Micro, Small and Medium Enterprises, and Cooperatives;

assistance/empowerment, as well as other services for Micro,

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SKEMA PENJAMINAN KREDIT

Proses Penjaminan Kredit Credit Guarantee Process

PENERIMA JAMINAN TERJAMIN

12 PROFIL PERUSAHAAN 2020

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14 PROFIL PERUSAHAAN 2020

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PERSETUJUAN MANAJEMEN KUNCI ATAS

16 PROFIL PERUSAHAAN 2020

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Divisi Divisi Divisi Divisi Divisi Teknik & Divisi Divisi

Fungsional Desk Penjamin Desk Penjamin Desk

18 PROFIL PERUSAHAAN 2020

Direktorat MSDM, Umum, Direktorat Keuangan, Investasi

Wilayah / Regional Kantor Cabang Khusus / Special Branch Office

Cabang Tipe A/B/C/D / Branch Type A/B/C/D

Unit Pelayanan / Service Unit

2020 COMPANY PROFILE

20 PROFIL PERUSAHAAN 2020

Warga negara Indonesia

RIWAYAT PENUNJUKAN APPOINTMENT HISTORY

PENGALAMAN KERJA WORK EXPERIENCES

HUBUNGAN AFILIASI AFFILIATION

KEPEMILIKAN SAHAM JAMKRINDO JAMKRINDO SHARE OWNERSHIP

2020 COMPANY PROFILE

Warga negara Indonesia

RIWAYAT PENUNJUKAN APPOINTMENT HISTORY

PENGALAMAN KERJA WORK EXPERIENCES

HUBUNGAN AFILIASI AFFILIATION

KEPEMILIKAN SAHAM JAMKRINDO JAMKRINDO SHARE OWNERSHIP

22 PROFIL PERUSAHAAN 2020

Warga negara Indonesia