Vision

To be a trusted and accessible financing company that supports Indonesia's economic growth

PT Sinar Mitra Sepadan Finance developed its Vision, Values, and CVP based on the ORIX Group Purpose & Culture

Value

Collaboration: Working closely with different individuals and teams, leveraging diverse knowledge to achieve common goals.

Honesty: Commitment to be honest, transparent, and sincere in dealing with others.

Open Minded: A flexible and adaptive mindset to new ideas, perspectives, and approaches.

Integrity: Uphold strong moral and ethical standards as a guide for individual and organizational behavior.

Customer Centrix: Prioritizing solutions to fulfil customers’ needs and satisfaction for external and internal customers.

Excellence: Commitment to achieve the best performance and set the highest standards in all activities.

PT Sinar Mitra Sepadan Finance developed its Vision, Values, and CVP based on the Orix Group Purpose & Culture

About ORIX

ORIX Group is a global group of companies operating in various sectors, including financing and investment, life insurance, banking, asset management, real estate, concessions, environment and energy, automotive services, industrial equipment/ICT, ships and aircraft.

We unite globally with our Purpose: "Finding Paths. Making Impact", bringing together diverse expertise and innovative thinking to support sustainable world development.

For more information about ORIX and its financial services, visit our website at www.orix.co.jp.

Code of Conduct & Ethics

A. SMS Finance Code of Conduct

The Code of Conduct is SMS Finance's commitment to comply with legal provisions, regulations and ethical standards in every operational activity. This guideline is not only a guide for the company, but also for all SMS Finance employees.

These guidelines also set out how SMS Finance employees should behave as representatives of the company, as well as their responsibilities towards the company, potential debtors or debtors, business partners, the government and other stakeholders. This Code of Conduct will help SMS Finance employees act in accordance with the business and ethical standards set by the company.

The Code of Conduct that we apply includes the following:

1. Integrity at Work

1. Behave Honestly
2. Discipline and Responsibility
3. Comply with Legal Regulations
4. Avoiding Conflicts of Interest
5. Prohibition of Insider Trading (Insider Trading)
6. Mature Consideration in Giving or Receiving Gifts, Meals and Donations
7. Anti-Fraud
8. Anti-Money Laundering, Terrorism Financing & Funding for the Proliferation of Weapons of Mass Destruction

2. Professionalism

1. Self-development
2. Communication Ethics
3. Prevent Discrimination, Harassment and Deviant Behavior
4. Not Involved in Political Activities
5. Not Involved in Prohibited Organizations and/or Violating the Law and/or Potentially Harmful and Disrupting Business Activities
6. Creating Healthy Competition
7. Intellectual Property Rights

3. Commitment to Prospective Debtors and Debtors

4. Commitment to Other Stakeholders

1. Commitment to Shareholders
2. Commitment to Business Partners
3. Commitment to the Government as Regulator
4. Commitment to Community
5. Commitment to Environment, Health and Safety

5. Asset Protection, Data Confidentiality and Transparency

1. Protecting Company Assets and Reputation
2. Maintaining the Confidentiality of Company Data and/or Business Information
3. Accounting and Financial Reporting
4. Reporting Violations and Fraud
5. Document Management

B. ORIX Group Counterparty Code of Conduct

ORIX Group¹ strives to uphold the highest business ethics and behavior in our activities wherever we operate by adhering to four Core Compliance Values: Integrity, Respect, Excellence and Commitment.

ORIX Group wishes to work with Counterparties², which include our business partners and suppliers, who share our commitment to business integrity and act in a way that is consistent with these Core Compliance Values. We believe this joint commitment to ethical conduct is a strong foundation for trusted business relationships based on shared values.

This Counterparty Code of Conduct (“Code”) sets out Guiding Principles for behavior and standards that align with and embody each of our Core Compliance Values. In all activities relating to ORIX Group, we expect all current and future Counterparties:

• to comply with all applicable laws and regulations and to adhere to the Core Compliance Values and Guiding Principles set forth below;
• to take responsibility for their conduct and the conduct of their employees and Subcontractors³;
• to take appropriate steps to ensure that they and their employees and Subcontractors understand and comply with this Code; and
• to take appropriate corrective measures, in consultation and coordination with ORIX as may be necessary, in the event areas of improvement are identified.

This Code is subject to modification from time to time. The provisions of this Code do not in any way prejudice any of ORIX Group’s rights and remedies under the relevant contracts with each Counterparty or otherwise.

Note:

 ¹ ORIX Group means ORIX Corporation, including its subsidiaries, joint ventures and affiliates that are effectively controlled by ORIX Corporation, directly or indirectly.

² Counterparties are third parties (other than another ORIX Group Company, any of the entities in its shareholders group or their respective employees) with whom an ORIX Group Company has any business relationship, including business partners and suppliers.

³ Subcontractor means any third party directly or indirectly engaged by a Counterparty to provide products or services to ORIX Group (directly or indirectly), whether as an agent, subcontractor, representative, consultant or otherwise. This therefore includes [Sub-Subcontractors] along the supply chain.

1. INTEGRITY - conduct business with ethics and integrity

We:

• comply with all applicable laws, rules and regulations at all times, including those relating to anti-bribery and anti-corruption, anti-money laundering, combatting terrorist financing and applicable sanctions regimes, anti-competition, insider trading and do not involve ourselves in any fraudulent, illegal or unethical transactions or transactions with anti-social forces;
• not engage in any action, relationship or interest that is or could lead to a conflict of interest, including not employ or otherwise make payments to any employee of ORIX Group during the course of any transaction between the Counterparty and ORIX Group; and
• maintain and provide, upon request, complete, accurate, timely and honest records of all transactions and matters related to the Counterparty’s business with ORIX Group and employ appropriate quality audit and compliance processes with respect to such records.

Ethical standards should never be compromised for the sake of business results or otherwise.

2. RESPECT – respect people and community

We:

• create inclusive workplaces where all employees are treated with respect and dignity at all times and can thrive and feel a sense of belonging without discrimination or harassment;
• conduct business in a way that is conducive to protecting internationally recognized human rights and ensuring that they are not complicit in human rights abuses;
• not tolerate any form of forced labor, child labor or human trafficking in their own operations or in their supply chain in any form;
• develop and maintain a secure and safe work environment and not tolerate worker safety violations. Safety and security procedures should never be compromised to give preference to operational objectives; and
• respect workers’ rights to freedom of association by meeting the relevant requirements of local law.

3. EXCELLENCE - strive for excellence in championing innovative solutions that add value for customers and society

We:

• treat ORIX Group and its employees, customers and other stakeholders fairly, in good faith and in an open, honest, and respectful manner;
• maintain the professional skills and knowledge needed to perform their responsibilities;
• strive to understand the needs of ORIX Group and its employees, customers and other stakeholders and offer products and services that are tailored to these needs;
• strive to create an inclusive culture in which different backgrounds, abilities, and perspectives are valued and respected;
• respect the environment, observe all applicable environmental laws and regulations, and conduct business activities in a manner that promotes harmony with the local community and natural environment

4. COMMITMENT - commit to safeguarding and protecting what has been entrusted to them

We ensure that:

• the property of ORIX Group, including its intellectual property, is only used for legitimate business purposes;
• intellectual property rights of others are respected; and
• privacy of all personal and confidential information is protected.

Counterparties must adopt and maintain processes to provide reasonable protections for personal, proprietary and confidential information, including information that they access, receive or process on behalf of ORIX Group.

5. SPEAK UP – Reporting Compliance Concerns

In addition to the Core Compliance Values and Guiding Principles stated above, we expect our Counterparties to:

• have procedures in place to facilitate the reporting of compliance concerns by providing an open and transparent environment in which employees feel safe to “speak up,” in confidence and without fear of retaliation, through:

1. multiple accessible channels to report compliance concerns in good faith and free from the risk of retaliation; and
2. procedures to ensure that compliance concerns are investigated promptly, fairly and in accordance with legal obligations;

• to promptly notify ORIX Group of (i) any fines or administrative sanctions imposed against them which relate to the standards set out in this Code and (ii) any compliance concerns in relation to any activities connected to the ORIX Group through one of the following reporting channels:
  • Usual ORIX Group Contact Point: reporting to their usual ORIX Group relationship contact point;
  • ORIX Group Company: reporting to any of the board of directors, other management members or the Legal & Compliance Team of the ORIX Group company to which the Compliance Concern relates;
  • ORIX Global Compliance Department: reporting to the ORIX GCD in Tokyo; or
  • Whistleblowing Hotline: reporting through the whistleblowing hotline operated by the ORIX Group. Information regarding these channels may be found at: External Whistleblower System | ORIX Group.

Nothing in this Code prevents any Counterparty or their employees from reporting compliance concerns to any applicable regulatory authority in accordance with their rights or obligations under applicable law.

Privacy Policy

Welcome to the website of PT Sinar Mitra Sepadan Finance (hereinafter referred to as "SMS FINANCE" or "We"). This page displays the General Terms and Conditions of Privacy Policy for our services. By registering yourself on our site, it means that you, as a service user (User) agree to the General Terms and Conditions of the Privacy Policy below. By becoming a User, you agree to the collection, use, sharing of your Personal Data information, and agree to the terms of this Privacy Policy.

We are committed to protecting and maintaining the confidentiality of your Personal Data in accordance with applicable laws and regulations. In its implementation, what is meant by "Personal Data" is data about an individual who is identified or can be identified separately or in combination with other information either directly or indirectly through electronic or non-electronic systems. We guarantee that we will not collect, use, disclose, transfer, store and process Personal Data including Your credentials to third parties, either commercially or non-commercially, for purposes other than as specified in this Privacy Policy. We guarantee that We will process Your Personal Data professionally and responsibly and the results of such processing are sourced only from original and accurate Personal Data information as contained in Your account.

1. INTRODUCTION

   1. Purpose of Privacy Policy

      This Privacy Policy describes the types of Personal Data that We collect and how We collect, use, disclose, transfer, process, store and protect such Personal Data.

   2. Applicability of Privacy Policy

      This Privacy Policy applies to online services offered by SMS FINANCE on Our website and mobile sites that refer or link to this Privacy Policy.

   3. Scope of Privacy Policy

      This Privacy Policy covers information collected through online services and direct communication between You and SMS FINANCE. This Privacy Policy does not cover information contained on other websites and applications, unless specifically stated. This Privacy Policy also does not cover information when you call us, send us a message, or communicate directly in any way other than through our website and mobile site services. The following are some of SMS Finance's official websites whose use is subject to this privacy policy.

       

      1. www.smsfinance.co.id and its derivatives:
         1. produk.smsfinance.co.id
         2. bantuan.smsfinance.co.id
         3. agent.smsfinance.co.id
      2. Mobile Application namely, SMS Finance & SMS Finance Agent

       

2. PERSONAL DATA WE OBTAIN AND COLLECT FROM YOU

   1. The personal information/data that we obtain from you depends on the type of products and services that you apply to us. In the process of job application and/or financing application, including but not limited to full name, gender, type of identity card, identity card number, address in accordance with the identity card, province and city/district, telephone and mobile phone numbers, email address, your occupation, your ID card, spouse's ID card, family card, and NPWP. We will also ask for your vehicle data that will be used as collateral if your financing application is a loan, including but not limited to information on vehicle brand, vehicle type, vehicle model, vehicle year, and BPKB in whose name. The types of information/personal data mentioned, including but not limited to other additional information/data that we may ask for in the future.

   2. Site Policy

      We may collect information about several things when you use Our service site. We and Our service providers (such as third party content, advertising and analytics providers) automatically collect certain information from Your device or web browser. For example, every time You visit Our service site, We together with Our third party service providers automatically collect things such as Your IP address, mobile device identifiers or other types of unique identifiers, browser and computer types, access times, the web page You came from, the URL where You landed, and the web page You accessed as well as Your interaction with content or advertisements on Our service. When You use or interact with Our services, this can help Us understand how Our Users use Our services.

      1. Third Party Analytics Services

         This website uses Third Party Analytics Services, including but not limited to Google Analytics to analyze access statistics and make improvements to the website. Google Analytics uses cookies by collecting user data but does not include personally identifiable information. Please note that Google Analytics has a different privacy policy and practices, which you can find on their website.

         1. Google Analytics
         2. Google's Use of Data

          

      2. Advertising
         1. SMS Finance uses advertising services in connection with the SMS Finance website, including but not limited to Google and Meta Advertising. Google and Meta Advertising are third party advertising services that we use to display advertisements related to our products on various platforms that cooperate with Google and Meta Advertising. By using our site, you agree to follow this policy. Use of Cookies to provide relevant ads and improve user experience. We use cookie technology provided by Google and Meta Advertising. Cookies are small text files placed on your device when you visit Our site that collect anonymous information such as user preferences, browsing activity and demographic information. The information collected by cookies is used to display advertisements that match your interests and preferences.

         2. Use of Data

            Google and Meta Advertising use data collected through cookies to display relevant advertisements on third-party sites that cooperate with Google and Meta Advertising. The data does not contain personal information that can directly identify you. The data used includes information about user preferences, browsing activity, and general demographic information.

         3. Opt-Out

            If you do not wish to receive advertisements served by Google and Meta Advertising, you may opt-out of the use of cookies by setting your advertising preferences through your Google account settings or through other settings provided by Our services. However, please note that even if you opt out of the use of cookies, advertisements may still be displayed, but will not be tailored to your interests and preferences.

         4. Data Sharing

            We do not share users' personal information with Google or Meta Advertising. Information collected through cookies is used anonymously and only for advertising purposes.

         5. Data Security

            We keep user data secure by implementing appropriate security measures to prevent unauthorized access, unauthorized use, or unauthorized alteration of user data. Please note that Google and Meta Advertising have different privacy policies and practices, which you can find on their websites.

3. PRIVACY POLICY APPROVAL

   1. We do not collect, use, disclose, transfer, process, store and protect Your Personal Data without Your express consent (except where permitted and authorized by law). By agreeing to this Privacy Policy, as well as entering Your credentials (username and password) on the platform that We have specified, You hereby expressly consent to Us to collect, use, disclose, transfer, store, and process any Personal Data information including Your credentials that are relevant and necessary to carry out the purpose of using the online services of SMS Finance that You use, including but not limited to the financing application process, assistance and complaint services, employee recruitment process, and others. The consent you provide includes but is not limited to:

      1. Consent to be contacted by SMS Finance to follow up on the online service request that You submit through Our website and mobile site.

      2. Consent to receive information about SMS Finance products/programs that are being proposed through Short Message Service (SMS), Telephone and/or other media.

          

      3. Approval of the data and/or information verification process of prospective debtors/consumers/partners/employees required before the decision of approval/rejection of financing/cooperation/recruitment is given and will be carried out in various ways including but not limited to checking the OJK Financial Information Service System (SLIK), credit bureau and/or by issuing digital or electronic certificates. The consent you give does not include to make changes in any form to your credentials and Personal Data.

   2. In addition, We and Our affiliates and other service providers in Indonesia may disclose Your Personal Data where We are required upon lawful request to do so by law i.e. to law enforcement agencies or other government officials.

   3. We will take reasonable steps to ensure that Your Personal Data is handled in accordance with this Privacy Policy, regardless of where Your Personal Data is stored or accessed.

   4. You will defend, release from liability and hold Us harmless from any and all third party claims, and Our judgments, losses, payments, costs, expenses (including those related to investigations or reasonable attorneys' fees), damages, settlements, liabilities, fines or penalties actually decided or settled in court, arising out of or related to third party claims (a) arising out of a breach by You; or (b) arising out of any breach by You of the terms and conditions of any other account in the online ecosystem used by You for the purpose of verification of Your Personal Data; or (c) arising out of any infringement or misappropriation, by You of any patent, or copyright, or trade secret rights of a third party under the applicable laws of any jurisdiction.

   5. By providing your consent to this Privacy Policy, you represent that you have reached the legal age of consent in your jurisdiction and have full authority to consent.

4. SAFETY & PROTECTION

   1. implement strict procedures, standards and security arrangements to protect Your credentials and Personal Data that are in Our possession or under Our control. Upon receipt of Your credentials and Personal Data, We will make necessary security arrangements to protect Your credentials and Personal Data with Our best efforts and in accordance with the situation. Such arrangements may consist of administrative measures, physical measures, technical measures, or a combination of such measures.

   2. When disclosing or transferring Your Personal Data over the internet, We will take all precautions in Our best efforts to prevent unauthorized access to Your Personal Data. However, no data transmission over the internet can be guaranteed to be completely secure and You acknowledge that You convey information over the internet at Your own risk.

5. APPLICABLE LAW

   This Privacy Policy is governed by Indonesian Law.

6. CONTACT US

   If you have any questions or comments about this Privacy Policy, or if you would like to ask us to update the information we have about you or your preferences, please contact us by email at [email protected] or by phone at 1500-403.

Reporting

Laporan Keuangan yang Telah Diaudit PT Sinar Mitra Sepadan Finance Tahun 2025

Laporan Keberlanjutan PT Sinar Mitra Sepadan Finance Tahun 2024

Laporan Keberlanjutan PT Sinar Mitra Sepadan Finance Tahun 2023

Laporan Keberlanjutan PT Sinar Mitra Sepadan Finance Tahun 2022

Laporan Keberlanjutan PT Sinar Mitra Sepadan Finance Tahun 2021

Laporan Keberlanjutan PT Sinar Mitra Sepadan Finance Tahun 2020

Publikasi Penanganan Pengaduan 2020

Publikasi Penanganan Pengaduan 2021

Publikasi Penanganan Pengaduan 2022

Publikasi Penanganan Pengaduan 2023

Publikasi Penanganan Pengaduan 2024

Publikasi Penanganan Pengaduan 2025

SMS Finance Official Social Media Account Policy

Media Sosial SMS Finance

Latar Belakang

Media sosial memberikan kesempatan bagi PT Sinar Mitra Sepadan Finance (SMS Finance) dan para karyawannya untuk dapat berbagi informasi serta berkomunikasi dengan debitur dan masyarakat luas. Namun, hal ini memerlukan pengaturan yang baik untuk dapat dilakukan secara bertanggung jawab.

Dikarenakan dengan mudahnya seseorang dapat membuat akun di media sosial dan dapat mengatasnamakan orang lain, organisasi dan/atau sebuah perusahaan, maka SMS Finance menganggap penting bagi kami untuk menyatakan kepada publik akun media sosial resmi milik SMS Finance.

Akun Media Sosial Resmi

Adapun daftar akun-akun media sosial resmi milik SMS Finance adalah sebagai berikut :

Facebook      : https://www.facebook.com/SMSFinanceID

Instagram      : https://www.instagram.com/smsfinanceid

                        https://www.instagram.com/lifeatsmsf/

TikTok             : https://www.tiktok.com/@smsfinanceofficial 

LinkedIn        : http://id.linkedin.com/company/smsfinanceid

YouTube         : https://www.youtube.com/@smsfinance_official

X                   : https://x.com/smsfinanceid

Sikap Pengunaan Media Sosial

1. SMS Finance menggunakan media sosial untuk mendapatkan dan meningkatkan merek SMS Finance dengan membuat banyak orang mengetahui SMS Finance dengan memperdalam pemahaman mereka tentang produk dan layanan kami.
2. SMS Finance menyadari bahwa informasi dan konten yang pernah dipublikasikan tidak dapat dihapus sepenuhnya, oleh karena itu SMS Finance akan menggunakan media sosial secara benar dan bijak, serta berusaha untuk mempublikasikan informasi secara jujur, jelas, tidak menyesatkan, dan akurat.
3. Dalam penggunaan media sosial SMS Finance akan patuh pada peraturan internal dan eksternal perusahaan, termasuk namun tidak terbatas pada peraturan perundang-undangan yang berlaku dan peraturan otoritas jasa keuangan serta turunannya.
4. Untuk membalas percakapan di media sosial, SMS Finance akan menggunakan bahasa yang baik dan sopan. Kami tidak diwajibkan untuk membalas komentar atau opini apapun dari orang lain sehubungan dengan SMS Finance.
5. SMS Finance akan memperhatikan aturan-aturan mengenai informasi rahasia yang berlaku di perusahaan.
6. SMS Finance tidak akan melanggar privasi individu tertentu, seperti mengungkapkan dan/atau membocorkan informasi pribadi tanpa persetujuan individu tersebut.
7. SMS Finance tidak akan melanggar hak kekayaan intelektual seperti hak cipta, hak merek dagang, hak desain, photo, video, suara dan lain lain yang dimiliki oleh pihak ketiga.
8. SMS Finance tidak akan membagikan konten yang berisikan tentang:

1. Aktivitas politik dan/atau pemilihan umum;
2. Ujaran kebencian;
3. Diskriminasi atau yang dapat menyebabkan perpecahan antara suku, ras, agama, dan antar golongan;
4. Konten terkait asusila;
5. Pengancaman; dan
6. Menyinggung atau menjatuhkan kompetitor.

Penyangkalan

1. SMS Finance tidak bertanggung jawab atas isi dan kebenaran dari konten yang mengatas namakan SMS Finance yang bukan berasal dari akun media sosial resmi milik SMS Finance sebagaimana tercantum di atas.
2. SMS Finance tidak bertanggung jawab atas isi dan kebenaran dari konten milik karyawan SMS Finance, konten yang dipublikasikan oleh karyawan SMS Finance pada akun pribadi miliknya dan konten yang dimiliki atau dipublikasikan oleh karyawan SMS Finance tersebut tidak dapat dianggap mencerminkan atau merepresentasikan SMS Finance.
3. SMS Finance tidak diwajibkan untuk membalas percakapan pada kolom komentar yang di tulis oleh pihak manapun, baik ditujukan kepada SMS Finance maupun pihak lain. Apabila adanya komentar terkait keluhan atas SMS Finance, maka  pengelola media sosial SMS Finance akan mengarahkan pemberi komentar untuk mengajukan keluhan atau pengaduan ke layanan customer service SMS Finance sebagai berikut :

Website        : https://bantuan.smsfinance.co.id

Telepon        : Customer Care 1500403

Email            : [email protected]

4. Pengelola media sosial SMS Finance akan memantau media sosial selama jam kerja. Setiap percakapan yang masuk di luar jam kerja, tidak menutup kemungkinan akan adanya penundaan bagi pengelola media sosial SMS Finance dalam membalas percakapan.

Official Social Media Account of SMS Finance

Stay Connected with SMS Finance

Tap the icons below to discover exclusive promos, fresh insights, and inspiring stories about finance, cars, and lifestyle — straight from our official channels!

Facebook – SMS Finance

Discover stories, promos, and product highlights that matter to you.

Enjoy easy-to-digest content about finance, automotive tips, and real customer experiences that inspire.

Instagram – @smsfinanceid and @lifeatsms

See the brighter, more inspiring side of finance and mobility!

Stay tuned for exciting promos, financial and automotive insights, and behind-the-scenes moments from our vibrant community.

TikTok – @smsfinanceofficial

We take finance seriously, but we make it fun!

Catch fresh, entertaining, and educational videos about smart money habits, car ownership, and modern lifestyles.

LinkedIn – PT Sinar Mitra Sepadan Finance (SMS Finance)

Grow your career and build meaningful connections with us.

Explore professional insights, career opportunities, and inspiring stories from the people behind SMS Finance.

YouTube – SMS Finance Official

Finance made easy and enjoyable.

Tune in to our podcasts and videos featuring practical tips, customer stories, and insights into financing solutions that fit your life.

Management Profile

	Yoshiaki Matsuoka
	President Commissioners
	Japanese citizen, born in 1968. He obtained his Bachelor of Science degree from Kwansei Gakuin University in 1991. He started his career at ORIX Corporation since 1991 and has more than 30 years of experience in the financial industry, with placements in various ORIX Corporation Group companies around the world. He has served as President Commissioner of SMS Finance since April 2022 until now.

Organization Structure

Guidelines for Implementing Good Corporate Governance

SMS Finance implements the principles of Good Corporate Governance in all its business activities at all levels of the organization. These principles are as follows:

1. Openness (Transparency)

SMS Finance is committed to implementing the principle of openness in the decision-making process, disclosing and providing relevant information regarding the Company.

2. Accountability (Accountability)

SMS Finance guarantees clarity in the functions and implementation of responsibilities of Company Organs so that Company performance can run transparently, fairly, effectively and efficiently.

3. Accountability (Responsibility)

SMS Finance is committed to ensuring compliance with the Company's management with laws and regulations in the field of financing and ethical values ​​as well as standards, principles and practices for running a healthy financing business.

4. Independence (Independence)

SMS Finance strives to apply professionalism in company management without any Conflict of Interest and influence or pressure from any party.

5. Equality and Fairness (Fairness)

SMS Finance strives to maintain equality, balance and justice in fulfilling the rights of Stakeholders arising based on agreements, laws and regulations and ethical values ​​as well as standards, principles and practices for implementing a healthy financing business

Guidelines for the Board of Directors, Board of Commissioners, and Sharia Supervisory Board

Duties and responsibilities of the Board of Directors, Board of Commissioners, and DPS

A. Duties and authorities of the Board of Directors of PT Sinar Mitra Sepadan Finance according to the Articles of Association of PT Sinar Mitra Sepadan Finance, are follows:

1. The Board of Directors is fully responsible for conducting their duties for the interest of the Company in achieving its purposes and objectives;
2. Every member of the Board of Directors is obliged to perform their duties with good faith and full responsibility by observing the prevailing laws and regulations;
3. The President Director is entitled to represent the Company to governmental authorities, judicial institutions, public institutions and to other parties regarding all matters and at all events, to commit and bind with other parties and other parties with to the Company, and to take all actions, both related to management and ownership issues. In the event that President Director is unable to attend or is unable to represent the Company which does not need to be proven to a third party, it can be represented by 2 (two) Directors, of which at least one of them is a Director with foreign nationality; and
4. The Director and all member of the Board of Directors are obliged to provide explanations on all matters asked by the Board of Commissioners.

B. Duties and authorities of the Board of Commissioners of PT Sinar Mitra Sepadan Finance according to the Articles of Association of PT Sinar Mitra Sepadan Finance, are follows:

1. The Board of Commissioners during the Company's office hours shall have authority to enter the building and yard or other places used or controlled by the Company and shall have authority to examine all books, letters and other evidences, to check and reconcile the cash situation and others and shall have authority to find out all actions taken by the Board of Directors;
2. When all members of the Board of Directors are temporarily dismissed and the Company does not have a single member of the Board of Directors, the Board of Commissioners is temporarily obliged to manage the Company. The Board of Commissioners shall be authorized to grant temporary powers to one or more of the members of the Board of Commissioners at the expense of the Board of Commissioners; dan
3. In the event that there is only one member of the Board of Commissioners, all duties and authorities given to the President Commissioner or a member of the Board of Commissioners also apply to him.

C. Duties and authorities of Sharia Supervisory Board of PT Sinar Mitra Sepadan Finance according to the Articles of Association of PT Sinar Mitra Sepadan Finance, are follows:

1. Provide advice and suggestions to the Board of Directors and supervise the Company's Sharia financing activities in accordance with Sharia Principles;
2. Provide opinions on the use of certain contracts for Sharia Financing business activities;
3. Supervise the development process of the Company's new Sharia financing products;
4. Request a fatwa to the National Sharia Council for the Company's new Sharia financing products that do not yet have a fatwa; and
5. Conduct periodic assessments on the fulfillment of Sharia Principles.

Internal Control System

SMS Finance is carrying out efforts to minimize the risks that occur by mitigating the risks of business activities in order to deal with the complexity of business activities.

Internal control efforts by SMS Finance are carried out in a preventive and repressive way. Preventive internal control is carried out by complying with applicable laws and regulations to minimize the risk of the company's business activities.

The internal control system is carried out by:

1. There is a firm and clear separation of functions between operational functions including business with compliance, monitoring and internal control functions.
2. Conducting periodic reviews of applicable policies.
3. Implementing 3 lines of defense which 1st line is related work unit, 2nd line is Legal and Compliance Division, and Risk Management Division, and 3rd line is Internal Audit Division.
4. The Legal and Compliance Division ensures that the company has complied with the policies set by the regulator.
5. Conduct periodic risk assessments.

The Internal Audit Division conducts an audit of all business activities in the company, and provides policy inputs that need to be implemented as a form of improvement.
 

Corporate Committee

A. Audit Committee
The duties and responsibilities of the Audit Committee are set out in the Audit Committee Charter to provide independent and objective advice to the board on the adequacy of management arrangements in relation to the following aspects of the management of the organisation.

1. Values and Ethics
2. Corporate Governance
3. Risk Management
4. Fraud
5. Supervision
6. Compliance

Other than the 6 (six) aspects above, Audit Committee also supervises internal audit activities and external auditors.

B. Nomination and Remuneration Committee

The Nomination and Remuneration Committee is responsible to the Board of Commissioners in assisting in carrying out the duties and functions of the Board of Commissioners related to nomination and remuneration to the Board of Commissioners and the Board of Directors. 

C. Risk Monitoring Committee

The Risk Monitoring Committee is responsible to the Board of Commissioners in assisting in carrying out the duties and functions of the Board of Commissioners related to the implementation of risk monitoring in the company.

D. IT Steering Committee

This committee is tasked with formulating, deciding, supervising, and evaluating the Strategic Plan of Information Technology and its implementation, as well as providing solutions to IT problems that cannot be solved at the Department or Division level.

E. Sanctions Committee

The Sanctions Committee is tasked with providing sanctions recommendations for violations of the Company's policies/regulations and/or the sanctions matrix objectively in accordance with the weight of the violation.

F. Corporate Risk Management Committee

The Corporate Risk Management is responsible for monitoring and controlling risks in accordance with applicable regulations.

G. Credit Risk Committee

The Credit Risk Committee is responsible to the Board of Directors in assisting the duties and functions of the Board of Directors related to the implementation of Risk Management in the Company.

H. Pricing Committee

The Pricing Committee is responsible for discussing and reviewing unit prices by comparing the prices on the market, the selling price of repossessed units, the quality of bookings of the unit type and certain agendas that have been determined by the members of the Pricing Committee.

I. Bussines Continuity Plan Comittee

The Bussines Continuity Plan Committee is responsible for providing response decisions to composite rating incident "Medium" dan "High".

J. Sharia Business Activity Product and Development Committee

The Sharia Product and Development Committee is responsible to the Board of Directors in assisting in carrying out the duties and functions of the Board of Directors related to the implementation of Sharia Products and Development of Sharia Business Activities in the company.

The Implementation of Anti-Money Laundering ("AML"), Counter-Terrorist Financing ("CTF"), and Counter-Proliferation Financing of Weapons of Mass Destruction ("CPF")

SMS Finance has prepared and implemented the AML, CTF and CPF policies as a form of implementing the principles of transparency, accountability, responsibility, independency, fairness.

The Board of Directors of SMS Finance assigns officials as the person in charge of implementing the AML, CTF and CPF programs ("AML, CTF and CPF Officials"). AML, CTF and CPF Officials are determined and appointed by the Board of Directors and are responsible to the President Director.

The implementation of the AML, CTF and CPF programs is carried out by:

1. Reviewed policies related to AML, CTF and CPF programs in accordance with regulations issued by OJK, PPATK, and ORIX Corporation;
2. Identify and verify the implementation of Customer Due Diligence/CDD for Prospective Debtors, Debtors, Third Parties (Business Partners) and Prospective Employees.
3. Conduct Enhanced Due Diligence/EDD for Prospective Debtors, Debtors, Third Parties (Business Partners) And Prospective Employees in accordance with predetermined criteria;
4. Postponing transactions, rejecting transactions, closing business relationships and temporarily suspending Prospective Debtors, Debtors, Third Parties (Business Partners) And Prospective Employees who do not meet the criteria and/or identified in AML, CFT and PPPSPM activities;
5. Monitoring and updating data;
6. Conduct risk assessments of TPPU, TPPT, and/or PPSPM related to Debtors, countries or geographical areas, products, services, transactions or delivery channels, as many as 1 (one) time in 1 (one) year;
7. Administering documents;
8. Reporting TKT and TKM to PPATK.
9. Reporting to the Director and Board of Commissioners regarding the implementation of policies and procedures for the implementation of the AML, CTF and CPF programs.
10. Periodically monitor and ensure that follow-up to DTTOT and DPPSPM complies with laws and regulations regarding the prevention and eradication of TPPT and regulations regarding the prevention of eradication of CPF.

SMS Finance has an AML & CTF system to accommodate all parties of SMS Finance to conduct CDD, both for Prospective Debtors, Employees and Business Partners.

Reporting System

SMS Finance has taken several steps to detect fraud that also involves Business Partners. SMS Finance's Business Partners also have a role as part of the fraud prevention program. 

SMS Finance provides a media for external parties who become Business Partners such as showrooms, service bureaus, professional collectors, and so on to report to [email protected] when SMS Finance’s employees or other parties want to commit dishonest acts, have elements of fraud or conflicts of interest in the implementation of cooperation.
 

Logo Brand Guideline

A New Face, A Renewed Identity for a Stronger SMS Finance

The SMS Finance logo is the official identity that represents our values, commitments, and the spirit of our company.

To preserve brand consistency and credibility, please use the logo in accordance with the guidelines set out in this brand guideline.

Discover more about the meaning and philosophy behind SMS Finance’s new logo below.

Logo Philosophy

Change is an inevitable part of every journey.

The new SMS Finance logo was born from a spirit of staying relevant in an ever-evolving world. This refreshed identity reflects our commitment to deliver modern, innovative financing services while staying closer to your needs.

It also reaffirms SMS Finance’s position as a trusted financial partner of choice for the people of Indonesia.

Aligned with SMS Finance’s vision “to be a trusted and accessible financing company that supports Indonesia's economic growth”, this logo is designed as a symbol of that commitment.

More than just a visual mark, our new logo embodies the core values of CHOICE (Collaboration, Honesty, Open-Minded, Integrity, Customer Centric, Excellence), the foundation of our corporate culture.

PT Sinar Mitra Sepadan Finance developed its vision, values, and CVP based on the ORIX Group purpose & culture.

Every line and shape in the logo carries meaning: openness, togetherness, and the drive to consistently deliver excellent and trustworthy service.

Our new tagline, “An ORIX Company”, text indicates that the company is a member of the ORIX Group of companies.

The purpose of the endorsement is to connect the brand of the individual ORIX subsidiary to the overall ORIX brand, strengthening brand awareness for both ORIX and the subsidiary.

With this philosophy, SMS Finance’s new logo is more than a new visual identity, it's a promise: to continue growing, innovating, and moving forward together with our customers, partners, and stakeholders across Indonesia.

SMS Finance Main Logo

1. Brandmark

The chosen symbol for SMS Finance’s new identity features a "tick" (ü), representing being the “preferred,” “the right one,” and “the right choice”.

Through this symbol, SMS Finance strengthens its image as a trusted partner and the top choice in financing solutions.

2. Wordmark

The combination of blue and orange creates balance between CHOICE (Collaboration, Honesty, Open-Minded, Integrity, Customer Centric, Excellence) as our values, capturing attention while building strong, reliable relationships with both customers and partners.

This blend reflects freshness while maintaining professionalism. 

3. Group Endorsement Logo

The phrase “An ORIX Company” affirms SMS Finance’s role as part of ORIX Group.

This supporting logo aims to connect the subsidiary’s identity with that of the parent brand, strengthening brand awareness for both ORIX and its affiliates.

The font used here follows ORIX’s exclusive corporate typography.

Logo Color Philosophy and Guidelines

The orange and blue combination represents the core identity of SMS Finance.

These two primary colors hold strong brand equity and have become the main visual association for our stakeholders.

1. Orange

Orange represents the spirit, emotion, and optimism that drive every step of SMS Finance. It radiates warmth and cheerfulness, known as a fun and uplifting color that brings emotional energy.

As a symbol of spontaneity and positive energy, orange reflects the company's dynamic, adaptive, and proactive character. It sparks collaboration, encourages open social communication, and fuels creativity in facing challenges.

Orange serves as a visual expression of SMS Finance's commitment to delivering services and experiences that are inspiring, relevant, and impactful, both through innovation and human connection.

2. Deep Blue

Dark blue stands for trust and loyalty, two essential elements that define SMS Finance's relationship with customers. It serves as an elegant reflection of the five CHOICE values we uphold, especially Integrity and Excellence.

Psychologically, the color brings a calming and relaxing effect, creating a sense of safety, peace, dan confidence. 

This color tends to avoid confrontation or excessive spotlight, yet it strongly conveys honesty, reliability, and responsibility.

The sense of authority, strength, and elegance that dark blue carries makes it a trusted visual symbol of the company's commitment to being a professional and integrity-driven financial institution.

In addition to the two primary colors, light orange is used as a secondary color to enhance the visual identity, while ORIX blue is applied in the endorsement area to reflect it as well.

Despite design evolution over time, SMS Finance consistently maintains these four core colors as a hallmark of brand consistency.

Do’s and Don’ts

• Do: Background Usage

To ensure clarity and readability, always apply the full-color SMS Finance logo on light backgrounds, while the white version should be used on dark backgrounds.

This consistency preserves visibility and maintains a professional presentation across all applications.

• Don't: Misuse

Consistency in logo usage is critical for brand recognition while leaving room for creativity elsewhere.

Avoid improper logo applications, such as stretching, recoloring, or altering proportions.

Our logo may evolve, but our commitment remains the same: to be Indonesia’s trusted financial solution.

Together, let us continue building sustainable growth for the future.