operating efficiently and sustainably going forward. 5.2 COVID-19 Impact 5.2.1 Cash Collection Even though the COVID-19 situation started to aggravate since the beginning of March 2020, but most of the

forward. 5.2 COVID-19 Impact 5.2.1 Cash Collection Even though the COVID-19 situation started to aggravate since the beginning of March 2020, but most of the approved debtors /NPAs purchasers from late 2019

, sales of other product, screw flight and plough are also having a downturn this year especially screw flight that worsen by 33% from last year’s sales. The decline in sales were caused by several negative

worsen globally in March. Travel restrictions and Visa-ban policy were launched to control the pandemic. As a result, for aviation industry in the first quarter in 2020, global RPK plunged 22.2 percent

. Sustainable Banking – Past economic development caused many negative impacts, especially degradation of environmental and natural resources and economic and social inequality, which tends to worsen with time