Kontenkeuangan Bprs Hi

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Kontenkeuangan Bprs Hi Mendorong pertumbuhan berkelanjutan melalui peningkatan sumber daya insani Perkembangan Bank Pembiayaan Rakyat Syariah di tengah kondisi ekonomi yang kurang kondusif. Menjadikan Bank Pembiayaan Rakyat Syariah Harta Insan Karimah Parahyangan untuk terus melakukan perbaikan di segala bidang. Pengembangan telah dilakukan antara lain di bidang Teknologi informasi, inovasi produk dan layanan, peningkatan jaringan kantor dan peningkatan kualitas Sumber Daya Insani yang profesional, andal dan integritas tinggi, sehingga diharapkan memberikan kontribusi pada perbaikan hasil kinerja dalam aspek operasional maupun finansial. BPRS Harta Insan Karimah Parahyangan berkomitmen mendorong pertumbuhan berkelanjutan melalui peningkatan sumber daya insani untuk menciptakan budaya pengendalian internal yang efektif dan patuh terhadap peraturan yang berlaku, mengoptimalkan berbagai peluang bisnis tanpa mengenyampingkan mitigasi resiko yang akan timbul di kemudian hari. Kesinambungan Tema 2015 Meningkatkan kemampuan dan melayani BPRS HIK Parahyangan mampu menghasilkan posisi keuangan yang kuat sehingga dapat menghadapi lingkungan bisnis bank yang dinamis. BPRS HIK Parahyangan sesuai dengan visi dan misinya, terus meningkatkan kualitas layanan melalui peningkatan kualitas sumber daya insani dan peranan teknologi informasi guna mempertahankan loyalitas para nasabah. 2016 Mewujudkan Harmoni untuk kesejahteraan bersama Komitmen untuk memberikan layanan yang handal dan terpercaya serta maju bersama dalam ketentuan syariah telah menempatkan BPRS HIK Parahyangan sebagai bagian yang terdepan dalam berperan aktif mendorong pertumbuhan, pemerataan dan terciptanya keadilan ekonomi dalam horizon jangka pendek, menengah dan panjang. Sebagai perwujudannya adalah semangat yang menggelora untuk menjadikan BPRS HIK Parahyangan memiliki kinerja keuangan dan operasional terbaik serta memberikan manfaat sebesar-besarnya bagi masyarakat. Oleh sebab itu, BPRS HIK Parahyangan senantiasa memberikan yang terbaik kepada seluruh pemangku kepentingan berupa kemakmuran, kesejahteraan, ketenteraman dan kebahagiaan yang menghadirkan harmoni kehidupan. 2017 Membina Hubungan, mendukung pertumbuhan Keberhasilan BPRS HIK Parahyangan dalam mempertahankan pertumbuhan usaha merupakan hasil kerja keras dan dedikasi dari seluruh karyawan serta ditopang oleh pertumbuhan ekonomi Indonesia yang kokoh. Dengan tetap bertumpu pada bisnis inti sebagai Bank pembiayaan, BPRS HIK Parahyangan terus mengembangkan portofolio pembiayaan dan membangun inisiatif bisnis lainnya yang saling melengkapi, serta senantiasa menyempurnakan kualitas layanannya. Semua upaya ini menjadi landasan bagi BPRS HIK Parahyangan dalam membina hubungan dengan para nasabah serta menjalin hubungan jangka panjang dengan nasabah-nasabah baru. Melalui sistem dan layanan perbankan yang andal dan aman serta beragam layanan produk keuangan. Daftar Isi PROFIL PERUSAHAAN RIWAYAT SINGKAT .................................................................... 1 IDENTITAS PERUSAHAAN ............................................................ 2 KILAS KINERJA KEUANGAN .......................................................... 3 PERISIWA PENTING ................................................................... 4 ARSITEKTUR BISNIS PT. BPRS HARTA INSAN KARIMAH PARAHYANGAN ....... 7 VISI, MISI DAN NILAI PRUSAHAAN ................................................... 8 STRUKTUR ORGANISASI BPRS HIK PARAHYANGAN . .............................. 10 PROFIL DEWAN PENGAWAS SYARIAH .............................................. 11 PROFIL DEWAN KOMISARIS .......................................................... 12 PROFIL DIREKSI ....................................................................... 13 PROFIL PEJABAT EKSEKUTIF ........................................................ 14 OPINI DEWAN PENGAWAS SYARIAH TAHUN 2018 ....................................... 17 KEGIATAN PENGAWASAN DEWAN PENGAWAS SYARIAH TAHUN 2018 .................. 18 PENDAHULUAN ......................................................................... 18 LANDASAN PENGAWASAN SYARIAH .................................................. 19 PELAKSANAAN PENGAWASAN DAN PEMBERIAN OPINI TAHUN 2018 ............. 19 KEGIATAN PENGAWASAN DPS ....................................................... 20 PEMBERIAN OPINI DPS ............................................................... 20 SARAN – SARAN ...................................................................... 21 LAPORAN TUGAS PENGAWASAN DEWAN KOMISARIS ATAS KINERJA TAHUN 2018 PT. BPRS HARTA INSAN KARIMAH PARAHYANGAN ........................................ 22 PENILAIAN ATAS KINERJA DIREKSI ................................................... 23 PENGAWASAN TERHADAP IMPLEMENTASI STRATEGI DIREKSI .................... 25 REKOMENDASI YANG DIBERIKAN KEPADA DIREKSI .................................. 26 PANDANGAN ATAS PENERAPAN TATA KELOLA PERUSAHAAN .................... 28 PENILAIAN KINERJA KOMITE DI BAWAH DEWAN KOMISARIS ...................... 29 PROSPEK BISNIS ........................................................................ 30 APRESIASI ................................................................................ 31 LAPORAN DIREKSI PT. BPRS HARTA INSAN KARIMAH PARAHYANGAN TAHUN 2018 .. 32 UMUM ..................................................................................... 32 KEPEMILIKAN SAHAM ................................................................... 33 KEPENGURUSAN ......................................................................... 35 PERKEMBANGAN USAHA ............................................................... 36 BAGI HASIL DEPOSITO ................................................................. 38 STRUKTUR DANA .................................................................... 39 STRUKTUR PEMBIAYAAN DIBERIKAN ................................................. 40 IKHTISAR KEUANGAN TAHUN 2018 ................................................... 43 NERACA ............................................................................. 43 LABA RUGI ......................................................................... 43 EKUITAS ........................................................................... 44 RASIO KEUANGAN ................................................................. 44 KUALITAS ASET PRODUKTIF .................................................. 44 STRATEGI DAN KEBIJAKAN MANAJEMEN ................................................... 45 AKTIVITAS UTAMA ............................................................................. 45 PENGHIMPUNAN DANA ........................................................................ 45 PENYALURAN DANA ........................................................................... 48 TEKNOLOGI INFORMASI ....................................................................... 50 JUMLAH DAN LOKASI KANTOR ............................................................... 51 SUMBER DAYA INSANI ......................................................................... 53 PEMERIKSAAN AUDIT INTERNAL ............................................................ 55 PENGHARGAAN BPRS HIK PARAHYANGAN TAHUN 2018 ................................. 56 GRAND OPENING GEDUNG BUMI HIK PARAHYANGAN DAN MILAD KE – 12 BPRS HIK PARAHYANGAN ............................................. 58 KEGIATAN SOSIAL .............................................................................. 59 LAPORAN SUMBER DAN PENGGUNAAN DANA ZAKAT .................................. 61 LAPORAN SUMBER DAN PENGGUNAAN DANA KEBAJIKAN ............................ 61 PENUTUP ....................................................................................... 62 LAPORAN AUDITOR INDEPENDEN Riwayat Singkat 11 September 1993 1 September 2006 11 September 2006 AKUISISI PT. BANK PERKREDITAN OPERASI PT BANK PERKREDITAN PENDIRIAN PT BANK RAKYAT SYARIAH TOLONG RAKYAT SYARIAH HARTA INSAN PERKREDITAN RAKYAT MENOJELONGJAK BERMAN LANGKAHFAAT OLEH KARIMAH PARAHYANGAN SYARIAH TOLONG PT BANK PERKREDITAN RAKYAT MENO LONG BERMANFAAT SYARIAH HARTA INSAN KARIMAH PARAHYANGAN yang digagas dan dirintis oleh keluarga Alumni FE UGM/ tokoh ekonomi Indonesia Yang diprakarsai oleh tokoh agama Jawa Barat KH. Abah Anom Mubharak PERUBAHAN NAMA 1993 2006 2009 PT. BANK PERKREDITAN PT. BANK PERKREDITAN PT. BANK PEMBIAYAAN RAKYAT SYARIAH TOLONG RAKYAT SYARIAH HARTA RAKYAT SYARIAH HARTA MENOLONG BERMANFAAT INSAN KARIMAH INSAN KARIMAH PARAHYANGAN PARAHYANGAN PT. BPRS HARTA INSAN KARIMAH PARAHYANGAN LAPORAN TAHUNAN 2018 1 Identitas Perusahaan Nama PT. BPRS HARTA INSAN KARIMAH PARAHYANGAN Nama Panggilan BPRS HIK PARAHYANGAN Bidang Usaha Bank Pembiayaan Rakyat Syariah (BPRS) Tanggal Pendirian dan 11 September 1993 (Pendirian) Akuisisi 21 Juli 2006 (Akuisisi) Dasar Hukum Pendirian Akta Notaris No. 26 tanggal 11 September 1993 (Pendirian) dan Akuisisi Akta Notaris No. 06 Tanggal 21 Juli 2006 (Akuisisi) Modal Dasar Rp150.000.000.000,00 Modal Disetor Rp57.000.000.000,00 Kantor Pusat BUMI HIK Parahyangan Jl. Percobaan No. 38 B, Kecamatan Cileunyi. Kabupaten Bandung – Jawa Barat, 40621 Telepon : 022 – 8782 4603 Faksimili : 022 – 7836 564 Jumlah Pegawai 290 orang Jaringan kantor Memiliki 14 Kantor Cabang, 11 Kantor Kas, 4 Mobil Kas Keliling didukung 10 ATM (Internal) Website gruphik.co.id/hikparahyangan Email [email protected] PT. BPRS HARTA INSAN KARIMAH PARAHYANGAN LAPORAN TAHUNAN 2018 2 Kilas Kinerja Keuangan Jumlah Aset Pembiayaan Diterima Rp. 1,2 triliun, Rp. 369,5 naik 15% miliar, naik 1% Pembiayaan Diberikan Pendapatan Rp. 948 miliar,
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