Governance

Governance bukan janji. Governance adalah desain kami.Governance is not a promise. Governance is our design.

Kami memisahkan secara tegas pemegang amanah (Nazhir), manajer investasi, dan operating partner — sehingga keputusan selalu berpihak pada pemilik aset & beneficiary.We strictly separate the trustee (Nazhir), the investment manager, and operating partners — so decisions always favour the asset owner & beneficiaries.

Ini adalah pilar Shariah Advisory & Governance dari ekosistem Islamic Wealth Stewardship kami.This is the Shariah Advisory & Governance pillar of our Islamic Wealth Stewardship ecosystem.

PrinsipPrinciples

Independensi fidusia — yang diuntungkan tidak mengendalikan keputusan.
Fiduciary independence — those who benefit do not control the decision.
Pemisahan kekuasaan: origination, keputusan, eksekusi, valuasi, kustodi, audit di pihak berbeda.
Separation of powers: origination, decision, execution, valuation, custody, audit in different hands.
Mayoritas independen di komite yang mengikat keputusan investasi & related-party.
Independent majority on the committees that bind investment & related-party decisions.
Transparansi radikal — semua via IEM OS, diaudit independen.
Radical transparency — everything via IEM OS, independently audited.
Independent Chair + casting vote sebagai pemecah deadlock 50/50.
An Independent Chair + casting vote to break a 50/50 deadlock.

Struktur Tiga LapisThree-Layer Structure

IEM Nazhir InstitusiTerdaftar BWI — pemegang amanah wakafBWI-registered — the waqf trustee

IEM Investment ManagementPT, lisensi MI-OJK — manajer investasi fidusiaA PT, OJK-licensed IM — the fiduciary investment manager

Operating PartnersBersaing atas merit · cap afiliasi ≤ 40%Compete on merit · affiliate cap ≤ 40%

Lima KomiteFive Committees

Organ governance.The governance organs.

Investment Committee

Mayoritas independen. Menyetujui kebijakan alokasi, mandat, seleksi & terminasi operating partner. Related-party wajib disetujui mayoritas independen + founder recuse.Independent majority. Approves allocation policy, mandates, and operating-partner selection & termination. Related-party deals require independent-majority approval + founder recusal.

Sharia Committee

Ulama/pakar muamalah independen, selaras DSN-MUI. Hak veto syariah. Dibayar tetap (bukan performance-linked).Independent scholars/muamalah experts, aligned with DSN-MUI. A Sharia veto. Paid a fixed fee (not performance-linked).

Risk Committee

Dipimpin CRO. Risk appetite, limit (konsentrasi, likuiditas, counterparty), stress test, proteksi korpus (two-pocket).Led by the CRO. Risk appetite, limits (concentration, liquidity, counterparty), stress tests, corpus protection (two-pocket).

Audit Committee

Mayoritas independen. Mengawasi audit eksternal (Big-4), pengendalian internal, valuasi independen (KJPP).Independent majority. Oversees external audit (Big-4), internal controls, independent valuation (KJPP).

Compliance Committee

Dipimpin CCO. Kepatuhan BWI/OJK/AML-KYC, related-party policy, conflict register, whistleblowing.Led by the CCO. BWI/OJK/AML-KYC compliance, related-party policy, conflict register, whistleblowing.

Board of Trustees

Independent Chair + wakil founder + ≥2 independen. Arah strategis, casting vote saat deadlock.Independent Chair + a founder representative + ≥2 independents. Strategic direction, casting vote in deadlock.

Related-Party Policy

Jantung integritas kami.The heart of our integrity.

Karena Gold Co & Healthcare Co adalah afiliasi founder, setiap transaksi afiliasi tunduk pada kebijakan ketat:Because Gold Co & Healthcare Co are founder affiliates, every affiliate transaction is subject to a strict policy:

Disclosure penuh semua hubungan afiliasi (conflict register).
Full disclosure of all affiliate relationships (conflict register).
Cap alokasi afiliasi (≤20% per partner, ≤40% gabungan).
Affiliate allocation cap (≤20% per partner, ≤40% combined).
Arm's-length pricing, dibandingkan benchmark pasar.
Arm's-length pricing, benchmarked to the market.
Persetujuan mayoritas anggota independen; founder terkait recuse.
Independent-majority approval; the related founder recuses.
Verifikasi independen atas atribusi kinerja partner.
Independent verification of partner performance attribution.
Open architecture: afiliasi bersaing & dapat di-terminate.
Open architecture: affiliates compete & can be terminated.
Audit related-party tahunan oleh auditor eksternal.
Annual related-party audit by an external auditor.

Independensi infrastrukturInfrastructure independence

Kustodian bank independen · Valuer (KJPP) independen · Auditor eksternal (Big-4) · Dewan Syariah independen.Independent bank custodian · Independent valuer (KJPP) · External auditor (Big-4) · Independent Sharia board.

Governance bersih = ketenangan Anda.Clean governance = your peace of mind.

Pelajari bagaimana kami menjaga amanah aset Anda.Learn how we safeguard the trust of your assets.

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