Employee Benefit Program (EBP)

Prepared for Lazada Indonesia

Adira Finance at a Glance
Established in 1990 and has been operating in the automotive
financing business for 32 years
OUR VISION
Serve various types and brands of vehicle financing, both new or
Creating shared values for the
used ones
company sustainability and prosperity of
Indonesian society
One of the largest and profitable multi finance companies in the
country

Conducted IPO in 2004 and Bank Danamon (Baa1/BBB) became the

majority shareholder with 75% ownership

Bank Danamon currently owns 92.07% of Adira Finance’s shares

through some corporate actions

Operates 438 business network throughout Indonesia and

OUR MISSION
supported by more than around 23 thousand employees, to serve
1.8 million customers with around Rp39.6 trillion of managed
To provide a variety of financial receivables
solutions according to the needs of
each customer through synergy with the
Credit Ratings
ecosystem. Pefindo : idAAA (Stable)
Fitch Rating : BBB (Stable)
Moody’s : Baa1 (Stable)
 Network and Franchises
Adira Finance’s business network spreads throughout Indonesia, serving 1.8 million consumers

438 Adira Finance’s business Sumbagut

Jabar Kalimantan
network spreads throughout 63 Networks
42 Networks
Sulawesi
196K Customers 39 Networks
125K Customers 80 Networks
1Q22. TheIndonesia
number ofinconsumers reached 211K Customers
194K Customers
1.9 million, decreased by 15% y/y
compared to 1Q21.

Sumbagsel
62 Networks
153K Customers
Branch Keday
Bali & Nusa Tenggara
Jatim
Area Java Non-Java Total 21 Networks
46 Networks 69K Customers
Network 170 268 438 Jabodetabek 207K Customers
43 Networks Jateng
Customer 1.1 million 0.7 million 1.8 million 463K Customers 42 Networks
237K Customers
Note:- Data as of March 2022.
- Total customers are the same as active contracts
 We offer a variety of products to be customer centric
Key Business Overview

Motorcycle
Car Durables MPL Sharia

 Motorcycle market is much bigger as  Adira Finance continues to focus  Adira Finance started  ADMF offers multi-purpose loans  Our Islamic financing
compared to car market due to on growing passenger car durable financing for services since 2016. These type (sharia) covers financing
affordable pricing for all levels of financing on the back of low disbursement in Mid of financings are typically used by for 4W and 2W, and also
society, particularly for low-mid penetration and high growth 2015. customers for health, education, umroh’s religious
income segment. In addition, prospect.  Currently durable house renovation and travelling pilgrimage.
inadequate local road infrastructure  In terms of the commercial financing portfolio covers purposes. Currently these loans  Currently, our sharia
and traffic congestions have segment, we will optimize to tap mainly are secured by the respective portfolio accounts
triggered most population using certain types of commercial car to computer/gadgets, vehicles. contributed 19% of our
motorcycle for their daily activities. manage asset quality, mainly small furniture, household  We view that this segment offers managed receivables.
 As of March 2022, motorcycles pick ups. appliances and others. future potential due to large
financing contributed 35% of our  As of March 2022, cars financing numbers of consumers owning
managed receivables. accounted for 52% of our managed vehicles that also need financing
receivables. cash loan.
Employee Benefit Program (EBP)
Employee Benefit Program (EBP) is financing facility from Adira Finance to client company which offers special rate
and fee with salary deduction options

Increase employee
Special rate and low down-payment happiness by retention program

Adira Finance reputation and credibility

Long tenor payment option
(30++ years experiences)

Easy process and Adira Finance penetration in most

Flexible Documentation Indonesia Area
(incl.nation-wide dealers' network)

Note:
• 300++ Adira Finance’s branches
• 6,000++ partners dealers
Features offered by Adira Finance

Financing Multi Product

Multi Brand
Scheme Option

Auto Loan
Syariah Mid (new/used for
Scheme to 4W/2W)
High

Non-Auto Loan
Conventional (durable,
Mass
Scheme Umrah)
Brand
Automotive Financing (New Motorcycle)

Durable Financing

Affordable Down Payment (DP)

Free provision

Many product variety

(multibrand)
Free merchandise
Application Process
EMPLOYEE
COMPANY

NEW NEW
Product CAR USED CAR MOTORCYCLE DURABLE

KTP V V V V

KTP NPWP Latest 3 months

account balance KTP
PASANGAN V V V -

KARTU
KELUARGA V V V -

NPWP V V - -
Latest 2 years Fixed Assets List
financial statement

HR Related ID CARD
KARYAWAN V V V
V
Recommendation
from HR to
specific employee TAMBAHAN DATA-DATA TERKAIT MOBIL/MOTOR/BARANG
LAINNYA DURABLE/UMRAH YANG DIAJUKAN
Loan Application Process

Adira Finance Adira Finance

Employee
Head Office Branch Offices

1 Fill application form 2 Contact employee by WA to

(Google Form) confirm application and request
doc)

3 Inform to Adira branch 4 Looking for MCY/Durable

offices (based on employee
Address)
5
Price (OTR/discount if any)
7 6
Calculate and send loan
Confirm Loan Simulation simulation to employee (DP,
Installment, Tenor)
product to nearest dealer/ Notes :
merchant • Only for permanent employee with min 2 years of service
• Credit process : Survey, SLIK checking
Inform product updated • If employee already have selected merchant for durable
product/ dealer for Motorcycle product, Adira can also proceed
as long as Adira already partnered with dealer

8 9
Assigned application to
Proceed loan application
branch offices

10

Pay DP and receive product

 T&C PengajuanPembiayaanProduk

1. Pengajuan pembiayaan hanya khusus karyawan Lazada Logistic dengan status Tetap/ permanent
2. Pengajuan pembiayaan melalui link : https://bit.ly/PengajuanKreditEBP-Lazada
3. Dokumen yang perlu disiapkan untuk pengajuan pembiayaan : KTP Pemohon, ID Card, Surat Keterangan Bekerja (by system)
4. Produk yang dapat dibiayai diantaranya : Handphone, Furniture, Home Appliances, Smartwatch, TV, Camera, AUVI, Laptop/PC yang di beli dari toko/
merchant yang sudah bekerjasama dengan Adira
5. Pengajuan akan diproses dalam 2-4 hari kerja oleh tim Adira Finance

FAQ :

1. Apakah rate dalam program ini dapat dinegosiasikan kembali?

Untuk saat ini belum bisa karena Lazada sudah mendapatkan rate khusus

2. Bagaimana jika saya sudah tidak lagi bekerja di Lazada saat mengikuti program ini?
Karyawan wajib memberitahukan pihak Adira terkait pengunduran diri (minimal 30 hari sebelumnya), melakukan percepatan pembayaran, atau
melanjutkan angsuran melalui channel pembayaran yang disediakan Adira

3. Kapan Karyawan mendapatkan special merchandise dari Adira?

Setelah proses serah terima barang
Q&A
THANK YOU!
THANK YOU