“MANDIRI U N T U K MEMANDIRIKAN”

YCAB SE FINANCIAL UPDATES

PARTNERS & VOLUNTEERS

PROGRAM HIGHLIGHTS

BUSINESS UNITS RESULTS

YCAB MODEL OF CHANGE & IMPACT

2 0 1 8R E P O R T

YCAB MODEL OF CHANGE: ECONOMIC EMPOWERMENT TO ENABLE EDUCATION

Mission-driven

Access to

Capital

Income

Stability

Self-Reliant

Youth

Working

Graduates

ECONOMIC

EMPOWERMENT

ENABLING

EDUCATION

2 0 1 8R E P O R T

THE IMPACT

Note:1 Based on 2018 impact study, conducted by researchers from the University of Indonesia to YCAB program alumni, aged 21-24 years

The self-reliance score is a composite index (scale 0-1) of 6 components: Job status, Work knowledge score, Self-determination score; Income score, Expenditure score, Savings score2 Based on 2018 welfare study, conducted by researchers from the University of Indonesia to YCAB Ventures clients, all of them are women micro entrepreneurs in the urban low income community3 Accumulative 1999-2018, note on estimated number of children as indirect beneficiaries from YCAB’s economic empowerment program, is based on statistics number of 2.2 children among low income families

145,787women micro entrepreneurs

received capital from YCAB 3

IDR 946 Bntotal disbursement 3

women micro entrepreneurs reported an increase in

confidence, ability to plan, solving problems and making decisions2

2,000+women micro entrepreneurs /year received training

70%

295%

Before: Rp 898,750/weekAfter: Rp 2,656,977/week

Women micro entrepreneurs enjoy

95%don’t experience insecurity

related to shortage of food 2

increased profit per week after becoming a micro capital recipient

from YCAB2

are able to start saving258%

ECONOMIC

EMPOWERMENT

ENABLING

EDUCATION

children of micro capital recipients stay in school299%

0.63average youth self-reliance score of YCAB’s

youth beneficiaries from max. score of 1.0 1

86% youth are employed with fixed income1

18% youth becomeentrepreneurs1

youth study in universities while having a

job1

52,650youth continued

education3

42,504certificates

granted 3

7%

Learning Centers

51

estimated number of children as indirect beneficiaries from YCAB’s economic empowerment program 3

471,807

YCAB 1999 – 2018 Overall Program Results

1) Combined domestic and international data as of 31 December 2018 (accumulative since 1999), additional output in 2018 = 111,949 youths

TOTAL OUTREACH : 3,421,186 YOUTH 1

EDUCATION

2,896,729Youth received soft skill training

52,650Youth continued education

ECONOMIC EMPOWERMENT

471,807Estimated indirect beneficiaries

145,787Microfinance Clients

IDR 946 BnTotal disbursement

2) New metric, based on YCAB Impact study on Youth Self Reliance, samples of Learning Center alumni and Microfinance clients’ children age 22-24 y.o, 2018

42,504Certificates granted

86%Youth Employment Rate (2018) 2

51Learning Centers

3,452Jobs / Businesses created

9,883Schools / Implementing Partners

PORTOFOLIO COMPANIES

AFFILIATED COMPANIES

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STRUCTURE OF YCAB AS SOCIAL ENTRERPRISE

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YCAB SOCIAL ENTERPRISE 2018 FINANCIAL UPDATE1

IDR 49,4 billion IDR 47,8 billion

IDR 52,38 billion IDR 47,7 billion

2017 2018 2

Revenue 1

Expenses 1

1 Combined financial information: YCAB Foundation and YCAB Ventures, exchange rates are based on yearly average in data.oecd.org2 Decrease in numbers due to restructuring. 2018 numbers no longer accounted for Shared Services related revenue or expenses.

USD 3,6 million

USD 3,9 million

USD 3,3 million

USD 3,3 million

YCAB AFFILIATES COMPANIES FINANCIAL UPDATE

2017 2018

Total Revenue 3

Total Expenses 3

IDR 2,3 billion IDR 5,9 billion

IDR 2,5 billion IDR 4,9 billion

USD 171 K

USD 186 K

USD 414 K

USD 344 K3 Combined financial information: FLIP, PLUS dan DanaCita, exchange rates are based on yearly average in data.oecd.org

YCAB PORTFOLIO COMPANIES VALUTION

Total Valuation 22017 2018

IDR 47,8 billion IDR 56 billionUSD 3,6 million USD 3,9 million

2 Combined financial information: Tera Klinik, Terrazone, MyDNA, exchange rates are based on yearly average in data.oecd.org

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NOTABLE PARTNERS

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YCAB’S 2018 VOLUNTEERS UPDATE

USA (14)

Japan (1)

Singapore (3)

Germany (2)

India (5)Australia (5)

17,227Volunteers since 1999

264Volunteers

in 2018

List of international universities where we get our volunteers and interns:

SINGAPORE• Singapore Institute of Management• Yale - NUS JAPAN• University of Tokyo

USA• Harvard Business School• UC Berkeley• UCLA• University of Pennsylvania• University of South California• Art Institute of Seattle• Babson University• Biola University• Dartmouth University

Indonesia (232)

AUSTRALIA• University of Canberra• University of Melbourne• University of New South Wales• University of Technology Sydney

LONDON• London School of Economics

& Political Science• University of Warwick

UK (2)

2 0 1 8R E P O R T

YCAB’S HIGHLIGHTS: RUMAH BELAJAR ACHIEVEMENTS

• YCAB Learning Center, represented by Rini Triyuni,

Head of PKBM has been recognized as the 1st

Winner of PKBM (education equivalency)

Management Competition in the city of West

Jakarta. In 2019 YCAB aims to compete

representing DKI Jakarta at the National level

competition

• PKBM Cinta Anak Bangsa managed to obtain B

Accreditation from BAN PNF (National Non-Formal

Education Accreditation Agency) where the

accreditation process was held on November 13,

2018.

• Darius Waruwu, YCAB education equivalency

teacher, Duri Kepa Learning Center, achieved 3rd

place in the West Jakarta Region GTK Education &

Education Competition Level II, Equality Tutor

Category, on March 28-29 2018.

2 0 1 8R E P O R T

• Supitowati, commonly called Ibu Upi, is a client of

YCAB Ventures. Ibu Upi has a business as a tailor

and has food and beverage stalls to meet her

family's needs.

• Through enthusiasm and hard work in making

ends meet, Mrs. Upi can help her child achieve

education up to university level.

• "When my son graduated, the other mothers

came with cars, while my husband and I were

riding a motorbike. But I ignored it. I am very

proud that my son graduated" recalled Mrs. Upi

with tears in her eyes.

YCAB’S HIGHLIGHTS: IBU SUPITOWATI’S STORY

11

YCAB Ventures& Business Units

2018 Reports

12

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2018 YCAB Microfinance Snapshots 2 0 1 8R E P O R T

2018 YCAB Microfinance in Numbers

Disbursement (IDR)

2018 202 Bn2017 172 Bn

Income (IDR)

2018 27.5 Bn2017 23.7 Bn

Outstanding (IDR)

2018 43.3 Bn2017 37.9 Bn

Non Performing Loan

2018 4.53%2017 3.86%

Active Clients

2018 40,1562017 37,124

# of Units

2018 372017 33

# of Field Officer

2018 2082017 173

17% 14% 15% 0.7%

4

8%

20%

2 0 1 8R E P O R T

YCAB Social Enterprise Group – 2018 People Updates

Number of Employees YCAB Microfinance

2018 3202017 242

Number of Employees Business Units

2018 4522017 521

Number of Volunteers

2018 2642017 312

Number of Employees YCAB Foundation

2018 1092017 164

THANK YOU

60

Appendix

61

2018 Impact Study – Youth Self Reliance

86% are employed with fixed

income

17%earn more than IDR 3.6 million

per month

7% study in universities while

having a job

18% become entrepreneurs

0.63Average Youth* Self-Reliance score** of YCAB’s beneficiaries

Children* from women micro entrepreneurs’ whose parents received micro loan from YCAB have higher self-reliance scorecompared to YCAB Learning Centers Alumni (Equivalency and vocational)

Maximum score is 1

YOUTH SELF

RELIANCE SCORE

Note:*21-24 years; **The slef-reliance score is a composite index (scale 0-1) of 6 components: Job status, Work knowledge score, Self-determination score; Income score, Expenditure score, Savings score***SROI (social return on investment) is based on the efficiency score calculated using the Free Disposal Hull (FDH) method by using the amount of investment for each type of beneficiary by YCAB as input and the self-reliance score as output.

Children* from women micro entrepreneurs that received capital from YCAB, have better SROI*** rates than YCAB Learning Center alumni. However, there were no statistically significant differences

Children* from women micro entrepreneurs that received capital from YCAB and financial literacy training, have better SROI *** than those women micro entrepreneurs that do not receive trainings

Indirect effect of providing financial literacy training for women micro entrepreneurs that received capital from YCAB, to their children*

Benefits of YCAB Learning Center for dropouts*

YCAB Learning Center Alumni’s self-reliance score statistically have no significant differences compared to the formal school alumni

2018 Impact Study – Microfinance Beneficiaries

16%Women micro entrepreneurs surveyed were able to establish new businesses after receiving capital from YCAB

295%increased profit per week after becoming a micro capital recipient from YCAB

Before: Rp 898,750

After: Rp 2.656,977

Women micro-capital recipients from YCAB who had received training have a higher average operating profit than those who did not. However, this difference is

not significant.

Capital recipients who have received training

have better SROI* than capital recipients who do not.

However, this difference is not significant

Note:*SROI (social return on investment) is based on the efficiency score calculated using the Free Disposal Hull (FDH) method by using the amount of investment for each type of beneficiary by YCAB as input and the self-reliance score as output.

Women micro entrepreneurs enjoy

YCAB Rumah Belajar program results in 2018

Youth Received Education

2018 3,8682017 5,801

Certificates Granted

2017 3,8122016 5,716

Notable Partners:

33% 33%

YCAB has started Self

Development Class in

Duri Kepa as part of

Center of Change

initiative, supported

by Silid Aralan Inc.

Phillippines, for lower

secondary students

and their parents.

Teachers have been

trained by WeThe

Teachers (WTT).

5 Learning Centers

have been

transitioned to local

partners, while 2

learning centers were

closed in 2018.

YCAB Projects Results in 2018 (Non-Rumah Belajar)

Youth Received Work Readiness Workshop

2018 1,0652017 742

Youth Received Entre-preneurship Workshop

2018 9692017 1,826

Jobs and Business Opportunities Created

2018 322017 80

Youth received soft skills training

2018 43,2282017 43,798

Notable Partners:

1%44%

47% 60%

Highlights of 2018 projects:

YCAB through the consortium of

USAID-RWAP, and Microsoft held skills

competition & job fair events.

YCAB, Do Something Indonesia, and

Facebook implement a holistic

approach in educating youth, parents

and schools on critical thinking.

Work readiness and entrepreneurship

programs are supported by HSBC & BI

Soft skills and health programs are

supported by Kao and Dow.

Do Something Indonesia followers

have reached 13,476 in 2018, increased

by 35% from 9,953 in 2017

YCAB Scholarship program updates in 2018

Global Sevilla SchoolUpper Secondary

Scholarship Recipients

2018 122017 7

Notable Partners:

Higher EducationYCAB Scholarship

Recipients (Ongoing)

2018 72017 5