Language (Bahasa) INA

Nama Calon Debitur : CV ANDALAS DEWATA Pekerjaan Debitur Entrepreneur

Nama Account Officer : Ida Ayu Ketut Widiantari
Nama BM/DAM/AM : Ni Made Suarjani (BM) / Budi Setyoadi (AM)
Pengajuan : Surya Sukses Rp. 5.000.000.000,- Cara Pembiayaan Installment

CREDIT ACCEPTANCE SCORING TOOLS

Criteria of Credit Acceptance
Financial Aspects
No. Criteria Variables Weighted Score Total Score
1 Repayment Document There is Financial Report/ Bank Account Statement

2 Repayment Capacity DSC between 1.5x and 2x (SME, Flexi, Sks)/ DSC between 1X and 1.5X (XL)

3 Bank's Balances Credit Transaction keeping steady

4 Basic of RC Calculation RC based on Bank Account 40% 28

5 Reflected Sales on Bank Account 40-59% sales reflected on Bank Account

6 Net Profit Margin NPM is between 10% - 30%

7 Installment of Bank's Balances Bank's Balance is around of installment

Character/Management Aspects

1 Business Experiences Running Business is over 5 years

2 Legality of Business The Business is legal form of CV

3 Market Status Business is stable

4 BI Checking Status BIC is Current in 3 months past, never overdue ≥ 30 days, No WO, No Hard Restruct

5 In Arrears Status >60% in arrears are from Secured Loan

40% 27
6 Utilities Credit Facilities more than 80% from plafond

7 Blacklist Debtor is not in BI Black List or Internal Black List

8 Trade Checking the Result of Trade Checking is Positive

9 Qualities of Information Good Quality Information Provide Frequently

10 Criminal Case Related Debtor is not related to Criminal Cases

Environmental Aspects

1 Risk Industry Moderate Risk Industry

2 Advantage of Competitors Strong/Emerging competition

3 Barriers of Entry Barriers of entry is Medium

10% 7
4 Business Industry The Business Industry is Legal Industry

5 PEP Categories Debtor and its/his/her relationship is not in PEP Categories

6 Avoided Business the Debtor's Business is business that are not avoided
Collateral Aspects

1 Type of Fixed Assets FA is Land and Building

2 Distances of Fixed Assets FA is around nearest Branch within 30 KM

10% 8
3 Collateral Coverages CC is between 100% and 150%

4 Ownership of Collateral FA is on behalf Debtor

5 Kind of Fixed Assets FA is House

CONCLUSION

TOTAL SCORE OF FINANCIAL ASPECTS 40% 28

TOTAL SCORE OF CHARACTER/MANAGEMENT ASPECTS 40% 27
TOTAL SCORE OF ENVIRONMENTAL ASPECTS 10% 7
TOTAL SCORE OF COLLATERAL ASPECTS 10% 8

100% 69

DECISION RESULTS SURYA XL