MIRA INFORM REPORT

 

 

Report Date :

27.09.2014

 

IDENTIFICATION DETAILS

 

Name :

C.V. AGRO NUSA PERMAI

 

 

Registered Office :

Jalan Laksda M. Nasir No. 29 Block C-7 Kelurahan Perak Barat, Kecamatan Krembangan Surabaya, 60175 East Java

 

 

Country :

Indonesia

 

 

Date of Incorporation :

March 2008

 

 

Legal Form :

Partnership With Sleeping Partners

 

 

Line of Business :

Trading, Import and Distribution of Agricultural Commodities Products and Fresh Fruits

 

 

No. of Employees :

13

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

Payment Behaviour :

No complaints

Litigation :

Clear

 


 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Indonesia

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

INDONESIA - ECONOMIC OVERVIEW

 

Indonesia, a vast polyglot nation, has grown strongly since 2010. During the global financial crisis, Indonesia outperformed its regional neighbors and joined China and India as the only G20 members posting growth. The government has promoted fiscally conservative policies, resulting in a debt-to-GDP ratio of less than 25% and historically low rates of inflation. Fitch and Moody's upgraded Indonesia's credit rating to investment grade in December 2011. Indonesia still struggles with poverty and unemployment, inadequate infrastructure, corruption, a complex regulatory environment, and unequal resource distribution among regions. The government also faces the challenges of quelling labor unrest and reducing fuel subsidies in the face of high oil prices.

 

Source : CIA

 


Company name

 

C.V. AGRO NUSA PERMAI

 

 

address

 

Head Office

Jalan Laksda M. Nasir No. 29 Block C-7

Kelurahan Perak Barat, Kecamatan Krembangan

Surabaya, 60175

East Java

Indonesia

Phone               - (62-31) 328 6728

Fax                   - (62-31) 328 6742

E-mail               - agronusa_permai@gmail.com

Building Area     - 1 storey

Office Space      - 120 sq. meters

Region              - Commercial

Status               - Rent

 

Date of Incorporation :

March 2008

 

Legal Form :

C.V. (Commanditaire Vennootschap) or partnership with sleeping partners

 

Company Reg. No. :

Not Required

 

Company Status :

Private National Company

 

Permit by the Government Department :

Not Available

 

Related Company :

None

 

 

 

CAPITAL AND OWNERSHIP

 

Capital Structure :

Owned Capital                                 : Rp. 300 million

 

Owners :

a. Mr. Wibowo Dipokusumo (Active Partner)

b. Mr. Basuki Sutrisno (Silent Partner)

 

 

BUSINESS ACTIVITIES

 

Lines of Business :

Trading, Import and Distribution of Agricultural Commodities Products and Fresh Fruits

 

Production Capacity :

None

 

Total Investment :

None

 

Started Operation :

April 2008

 

Brand Name :

Agro Nusa Permai

 

Technical Assistance :

None

 

Number of Employee :

13 persons

 

Marketing Area :

Local    - 100%

 

Main Customer :

Traditional market

 

Market Situation :

Very Competitive

 

Main Competitors :

a. P.T. ASIA AGROMAS ABADI

b. C.V. BUMI DJAJA

c. C.V. PUTRA NUSA

d. P.T. TUNASUTAMA SARIPERKASA, Etc

 

Business Trend :

Growing

 

 

BANKER, AUDITOR & LITIGATION

 

B a n k e r s :

a.   P.T. Bank BUKOPIN Tbk

Jalan Tanjung Perak Barat No. 61

Krembangan Selatan, Krembangan

Surabaya, East Java

Indonesia

b.   P.T. Bank MANDIRI Tbk

      Jalan Niaga 42-44

      Krembangan Selatan, Krembangan

      Surabaya, East Java

 

Auditor :

Internal Auditor

 

Litigation :

No litigation record in our database

 

 

FINANCIAL FIGURE

 

Annual Sales (estimated) :

2011 – Rp. 8.0 billion

2012 – Rp. 8.5 billion

2013 – Rp. 9.0 billion

 

Net Profit (estimated) :

2011 – Rp. 480 million

2012 – Rp. 510 million

2013 – Rp. 540 million

 

Payment Manner :

Average

 

Financial Comments :

Satisfactory


 

KEY EXECUTIVES

 

Board of Management :

Director                                           - Mr. Wibowo Dipokusumo

 

Board of Commissioners :

Commissioner                                 - Mr. Basuki Sutrisno

 

Signatories :

Director (Mr. Wibowo Dipokusumo) is only the authorized person to sign the loan on behalf of the company.

 

 

CAPABILITIES

 

Management Capability :

Satisfactory

 

Business Morality :

Satisfactory

 

Credit Risk :

Average

 

Credit Recommendation :

Credit should be proceeded with monitor

 

 

OVERALL PERFORMANCE

 

C.V. AGRO NUSA PERMAI (C.V. ANP) was established in March 2008 in Gresik, East Java with the legal status of C.V. (Commanditaire Vennootschap) or Partnership with Sleeping Partner. The founding owners of the company are Mr. Wibowo Dipokusumo as active partner and Mr. Basuki Sutrisno as silent partner. Both are indigenous business family. As in common in cases of companies with C.V. status, there is no mention in the company’s notarial act of its capital structure. But going by the company’s conditions, we estimate its capital at some Rp. 300 million.

 

C.V. ANP has been operating since April 2008 dealing with trading, import and distribution of agricultural commodities. Mr. Wibowo Dipokusumo, Director and owner of the company went on to say the company import of ground nuts and garlic of China and India; red onion and fresh fruits from China; grapes, apple from the USA. Then, the whole product like garlic, red onion and ground nut marketed locally through traditional market in Gresik, Sidoarjo, Surabaya and East Java. Besides, the company supplies the above products like fresh fruit to several fruit stores, grocery fruits, supermarkets, hotel and restaurant in Gresik, Surabaya and surroundings.

 

In March 2014, has passed since the Indonesian Business Competition Supervisory Commission (KPPU) began investigating the price hikes of imported garlic. Early last year, garlic skyrocketed, even reaching Rp. 90,000 per kilogram. After three months of investigation, the KPPU concluded the existence of a garlic cartel and the case was brought to hearing in July 2013. Yesterday, the Commission delivered its verdict. Nineteen entrepreneurs are proven to have been involved in cartel practices. The panel of judges sentenced the guilty parties with fines amounting to Rp. 11 million to Rp. 921 million per company. C.V. ANP has been fined of Rp. 919.6 million due to the garlic cartel.

 

Besides, the Minister of Trade has summoned 14 Registered Importers of Horticultural Products, owners of containers filled with garlic that are being held at the Tanjung Perak port. The most important thing is the availability of garlic in the market and that the price is still affordable to the public,” emphasized the Trade Minister together with the Indonesian Minister of Agriculture Suswono today, Monday (18/3), at the Auditorium of the Ministry of Trade. The fourteen importers summoned were P.T. Ridho Sribumi Sejahtera, P.T. Binagloria Enterprindo, P.T. Rachmat Rejeki Bumi, P.T. Lika Dayatama, P.T. Tunas Sumber Rejeki, P.T. Pentabiz Internasional, CV. Agro Nusa Permai, P.T. Wahana Mitra Mulia, P.T. Painan Jintai Resources, P.T. Sumber Roso Agromakmur, P.T. Dakai Impex, P.T. Citra Gemini Mulia, P.T. Cahaya Anugerah Abadi Sejahtera, and P.T. Asta Para Wisinda Sentausa. We find that C.V. ANP's operations have been growing slowly in the last three years.

 

      We have noticed that the demand for agricultural products had increased some 10% to 11% per annum in the last five years in line with the growth of industrial manufacturing in the country and international market. In the coming years, the growth rate of demand is estimated at about 6% to 7% per annum. The present market situation for agricultural products is very competitive for a large number of similar companies operating in the country. Meanwhile, competition is quite heavy in the export import of agricultural products with many companies now doing business in this field in Indonesia. We consider C.V. ANP to be in a quite favorable position for having already got hold of a steady clientele in East Java.

 

Until this time C.V. ANP has not been registered with Indonesian Stock Exchange, so that they had not obliged to announce their financial statement. The management of the company is very reclusive towards outsiders and rejected to disclose its financial condition. We estimated that total sales turnover of the company in 2011 amounted to Rp. 8.0 billion rose to Rp. 8.5 billion in 2012 increased to Rp. 9.0 billion in 2013 and projected to go on rising by at least 5% in 2014. The operation in 2013 yielded an estimated net profit of at least Rp. 540 million. So far, we did not heard that the company having been black listed by the Central Bank (Bank Indonesia). The company usually pays its debts punctually to suppliers.

 

The management of C.V. ANP is led by Mr. Wibowo Dipokusumo (48) a businessman and professional manager with experience in trading, import and distribution of agriculture commodities products. The management will eventually be handled by professional managers having wide relation with overseas and national private businessmen as well as with the government sectors. In view of C.V. AGRO NUSA PERMAI involved in garlic cartel in 2013, we recommend that a high degree of prudence be observed in business transactions and adequate collateral from its shareholders be acquired in extending a new loan to the company.

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.57

UK Pound

1

Rs.100.42

Euro

1

Rs.78.44

 

INFORMATION DETAILS

 

Analysis Done by :

SUM

 

 

Report Prepared by :

NIS

 

               

RATING EXPLANATIONS

 

RATING

STATUS

PROPOSED CREDIT LINE

 

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

 

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

 

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

 

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

 

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

 

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

 

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

Credit not recommended

 

--

NB

New Business

--

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.