User name: Ishadi Nugraha//DISABLED

Report Date: 2021-01-25

Reference Number: 1970-5650-DFBD-4CFF

PEFINDO Report Plus

Dusi Dg Ngati

KTP 7305064104670001 PEFINDO ID 8572233142

Date of Birth 1967-04-01 Address Borong Baru Rt 004 Rw 002 Kec

Galesong Takalar, Takalar, Kab. 92255,
Pa Rasangang Beru, Galesong, ID

Credit Data Available Yes

Dashboard

PEFINDO Score (PS)

High Trend PEFINDO

D2 Risk
618 Score

Inquiries

Number of Inquiries Inquiring subscribers

0 during last 12 months
0 during last 12 months

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Contracts

Payments Profile
Payments Profile Past Due Amount Sum (Open Contracts) IDR 402,500
status
Worst Current Arrears 0 Days
Worst Arrears Last 12 Months 0 Days
Number of Different Creditors 1

Open Contracts

OPENED
SECTOR TYPE TOTAL BALANCE PAST DUE
UPDATED

Non Banking Financial 2019-05-17 IDR 402,500

Other With Agreement IDR 5,500,000 IDR 1,401,608
Institutions 2020-12-31 0 Days

Sum - Debtor / Co-debtor 1 IDR 5,500,000 IDR 1,401,608 IDR 402,500

Closed Contracts

No Data.

Summary Calendar of Payments

MONTH/YEAR 2/2020 3/2020 4/2020 5/2020 6/2020 7/2020 8/2020 9/2020 10/2020 11/2020 12/2020 1/2021

Delinquency Status

Payments 2 / 2020 - 1 / 2021

DAYS
PERIOD CONTRACTS SUBMITTED PAST DUE COLLECTABILITY OUTSTANDING
PAST DUE

1/2021 0 No Data No Data Not Specified No Data

12/2020 1 IDR 402,500 0 1 - Current IDR 1,401,608

11/2020 1 IDR 384,100 0 1 - Current IDR 1,858,420

10/2020 1 IDR 363,100 0 1 - Current IDR 2,297,107

9/2020 1 IDR 363,100 0 1 - Current IDR 2,297,107

8/2020 1 IDR 344,700 0 1 - Current IDR 2,723,377

7/2020 1 IDR 344,700 0 1 - Current IDR 2,723,377

6/2020 1 IDR 344,700 0 1 - Current IDR 2,723,377

5/2020 1 IDR 318,400 0 1 - Current IDR 3,127,221

4/2020 1 IDR 231,800 0 2 - Special Mention IDR 3,859,213

3/2020 1 IDR 197,700 0 1 - Current IDR 3,825,113

2/2020 1 IDR 179,300 0 1 - Current IDR 4,196,064

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Collaterals

Number of Collaterals Total Value of NonCash Collaterals IDR 0

0

Securities

Number of Active Securities

0

Other Liabilities

Number of Open Agreements

0

Involvements

Number of Active Involvements

0

Relations

Number of Number of
1 known relations
0 known involvements

PEFINDO Alert Quest (PAQ)

Number of Number of
0 CIQ Fraud Alerts
0 CIQ Fraud Alerts
Third Party

Disputes

Number of Sum of False Court registered disputes

0 Active disputes
0 Disputes in the Past
0

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Personal Information
NAME
Name Based on ID Dusi Dg Ngati Full Name Dusi Dg Ngati

Mother's Maiden Name Pati Dg Alias

ADDRESSES
Contact Address Borong Baru Rt 004 Rw 002 Kec Galesong Takalar, Takalar, Kab. 92255, Pa Rasangang Beru, Galesong, ID

CONTACTS
Mobile 085341568293 Email

Fixed Line 085341568293

MAIN IDS
KTP 7305064104670001

BIRTH DATA
Date of Birth 1967-04-01 Place of Birth LEPA LEPA

MAIN PERSONAL DATA

Gender Female Citizenship Indonesia

Marital Status Married Residency Yes

Social Status Not Specified

Classification Sole Trader

OTHER IDS
PEFINDO ID 8572233142

EMPLOYMENT, EDUCATION
Employment Enterpreneur Employer Sector Others, Others

Employer Name USAHA BATU MERAH Education No Education

DISPUTES
No. of Closed Disputes 0 No. of False Disputes 0

Historical Information
Subject Info Updates
No Data

ID Updates
No Data

Address Updates
No Data

Contact Updates
No Data

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PEFINDO Score (PS)
PEFINDO SCORE INFO

PEFINDO Score 618 PEFINDO Grade D2

Probability of Default (%) 11.58 Description High Risk

Very High Risk High Risk Average Risk Low Risk Very Low Risk

Reason Codes
CODE DESCRIPTION

MPT1 No months with timely payments after delinquency on at least one open contract

MSL2 Important payment delays last 6 months

SCORE HISTORY

MONTH/YEAR 1/2020 2/2020 3/2020 4/2020 5/2020 6/2020 7/2020 8/2020 9/2020 10/2020 11/2020 12/2020

PEFINDO Score 595 598 598 600 600 610 610 610 610 613 618 618

Probability of Default 18.22% 17.21% 17.21% 16.56% 16.56% 13.61% 13.61% 13.61% 13.61% 12.81% 11.58% 11.58%

PEFINDO Grade D3 D3 D3 D2 D2 D2 D2 D2 D2 D2 D2 D2

PEFINDO Alert Quest (PAQ)

No Data.

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Contracts List, Role: Main Debtor
SECTOR TYPE OPENED STATUS TOTAL BALANCE PAST DUE ARREARS

Non Banking Other With Granted and

2019-05-17 IDR 5,500,000 IDR 1,401,608 IDR 402,500 0 Days
Financial Institutions Agreement Activated

Sum IDR 5,500,000 IDR 1,401,608 IDR 402,500

Contracts List, Role: Guarantor

No Data.

Contracts Summary
SUMMARY OF ALL CONTRACTS

Worst Past Due Amount IDR 402,500 Last Delinquency (90+ days in due)

Worst No. of Due Days 0

AS MAIN DEBTOR / CO-DEBTOR - OPEN CONTRACTS

Total Amount Sum IDR 5,500,000 No. of Open Contracts 1

Past Due Amount Sum IDR 402,500 No. of Closed Contracts 0

Outstanding Amount Sum IDR 1,401,608

AS GUARANTOR - OPEN CONTRACTS

Total Amount Sum - No. of Open Contracts 0

Past Due Amount Sum - No. of Closed Contracts 0

Outstanding Amount Sum -

Summary Payment Calendar

MONTH/YEAR 2/2020 3/2020 4/2020 5/2020 6/2020 7/2020 8/2020 9/2020 10/2020 11/2020 12/2020 1/2021

Delinquency Status

Payments 2 / 2020 - 1 / 2021

DAYS
PERIOD CONTRACTS SUBMITTED PAST DUE COLLECTABILITY OUTSTANDING
PAST DUE

1/2021 0 No Data No Data Not Specified No Data

12/2020 1 IDR 402,500 0 1 - Current IDR 1,401,608

11/2020 1 IDR 384,100 0 1 - Current IDR 1,858,420

10/2020 1 IDR 363,100 0 1 - Current IDR 2,297,107

9/2020 1 IDR 363,100 0 1 - Current IDR 2,297,107

8/2020 1 IDR 344,700 0 1 - Current IDR 2,723,377

7/2020 1 IDR 344,700 0 1 - Current IDR 2,723,377

6/2020 1 IDR 344,700 0 1 - Current IDR 2,723,377

5/2020 1 IDR 318,400 0 1 - Current IDR 3,127,221

4/2020 1 IDR 231,800 0 2 - Special Mention IDR 3,859,213

3/2020 1 IDR 197,700 0 1 - Current IDR 3,825,113

2/2020 1 IDR 179,300 0 1 - Current IDR 4,196,064

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 Payments 2 / 2019 - 1 / 2020

DAYS
PERIOD CONTRACTS SUBMITTED PAST DUE COLLECTABILITY OUTSTANDING
PAST DUE

1/2020 1 IDR 153,000 0 1 - Current IDR 4,546,396

12/2019 1 IDR 126,700 0 1 - Current IDR 4,884,424

11/2019 1 IDR 97,800 0 1 - Current IDR 5,207,951

10/2019 1 IDR 63,700 0 1 - Current IDR 5,514,765

9/2019 1 IDR 32,200 0 1 - Current IDR 5,813,042

8/2019 1 IDR 0 0 1 - Current IDR 6,099,845

7/2019 1 IDR 0 0 1 - Current IDR 6,408,428

6/2019 1 IDR 0 0 1 - Current IDR 6,706,931

5/2019 1 IDR 0 0 1 - Current IDR 6,706,931

4/2019 0 No Data No Data Not Specified No Data

3/2019 0 No Data No Data Not Specified No Data

2/2019 0 No Data No Data Not Specified No Data

Summary for Non Banking Financial Institutions

AS MAIN DEBTOR / CO-DEBTOR - OPEN CONTRACTS
Total Amount Sum IDR 5,500,000 No. of Open Contracts 1

Past Due Amount Sum IDR 402,500 No. of Closed Contracts 0

Outstanding Amount Sum IDR 1,401,608

AS GUARANTOR - OPEN CONTRACTS

Total Amount Sum - No. of Open Contracts 0

Past Due Amount Sum - No. of Closed Contracts 0

Outstanding Amount Sum -

Contracts Details
Open Contracts as Debtor

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 Other With Agreement

CONTRACT DETAILS

Role of Client Main Debtor, Main Applicant Phase of Contract Open

Contract Type Other With Agreement Contract Status Granted and Activated

Contract Characteristics Restructured Loan Negative Status 1 - Current

Purpose of Financing Other Consumer Credit Orientation Of Use Other

Economic Sector Others, Others Syndicated Loan No

Credit Classification Non MSME Name of Insured

Contract Currency IDR Project Location Takalar, Kab.

Contract Code 110029987 Project Value -

Government Program Other government program loan Creditor Type Non Banking Financial Institutions

Creditor Permata Finance Indonesia

Branch 000

Contract Subtype Conventional

KEY DATES
Disbursement Date 2019-05-17 Last Restructuring Date 2020-10-28

Start Date 2019-05-17 Initial Restructuring Date 2020-07-28

Last update 2020-12-31 Maturity Date 2020-11-17

Condition Date Real End Date

INITIAL CONTRACT DETAILS

Total Amount IDR 5,500,000 Initial Agreement No. 110029987

Initial Total Amount - Initial Agreement Date 2019-05-17

Total Taken Amount IDR 5,500,000 Initial Interest Rate Type Margin

Initial Interest Rate 37.11%

CURRENT CONTRACT DETAILS

Total Facility Amount IDR 11,000,000 Last Agreement No. 110029987

Outstanding Amount IDR 1,401,608 Last Agreement Date 2019-05-17

Principal Balance IDR 999,108 Credit Usage in Last 30 -

Days
Counterparty Bank (For L/C)
Penalty IDR 402,500
Restructured Count 2
Guarancy Deposit (For -
Restructuring Reason Others B/G & L/C)

Last Interest Rate 37.11% Prolongation Count 0

Last Interest Rate Type Margin

Description COVID19

PAST DUE STATUS

Past Due Amount IDR 402,500 Past Due Days 0

Past Due Interest IDR 0 Last Delinquency (90+ days in

due)
Worst Past Due Amount IDR 402,500
Delinquency Date
Principal Arrears IDR 0
Default Date
Principal Arrears Freq. 0
Default Reason Not Specified

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Interest Arrears - Default Description

Interest Arrears Freq. Worst No. of Due Days 0

OTHER RELATED SUBJECTS

No Data.

COLLATERALS
No Data.

DISPUTES
No. of Closed Disputes 0 No. of False Disputes 0

Summary Payment Calendar

MONTH/YEAR 2/2020 3/2020 4/2020 5/2020 6/2020 7/2020 8/2020 9/2020 10/2020 11/2020 12/2020 1/2021

Delinquency Status

Payments 2 / 2020 - 1 / 2021

DAYS
PERIOD PAST DUE COLLECTABILITY OUTSTANDING INTEREST RATE
PAST DUE

1/2021 No Data No Data Not Specified No Data No Data

12/2020 IDR 402,500 0 1 - Current IDR 1,401,608 37.11%

11/2020 IDR 384,100 0 1 - Current IDR 1,858,420 37.11%

10/2020 IDR 363,100 0 1 - Current IDR 2,297,107 37.11%

9/2020 IDR 363,100 0 1 - Current IDR 2,297,107 37.11%

8/2020 IDR 344,700 0 1 - Current IDR 2,723,377 37.11%

7/2020 IDR 344,700 0 1 - Current IDR 2,723,377 37.11%

6/2020 IDR 344,700 0 1 - Current IDR 2,723,377 37.11%

5/2020 IDR 318,400 0 1 - Current IDR 3,127,221 37.11%

4/2020 IDR 231,800 0 2 - Special Mention IDR 3,859,213 37.11%

3/2020 IDR 197,700 0 1 - Current IDR 3,825,113 37.11%

2/2020 IDR 179,300 0 1 - Current IDR 4,196,064 37%

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 Payments 2 / 2019 - 1 / 2020

DAYS
PERIOD PAST DUE COLLECTABILITY OUTSTANDING INTEREST RATE
PAST DUE

1/2020 IDR 153,000 0 1 - Current IDR 4,546,396 37%

12/2019 IDR 126,700 0 1 - Current IDR 4,884,424 37%

11/2019 IDR 97,800 0 1 - Current IDR 5,207,951 37%

10/2019 IDR 63,700 0 1 - Current IDR 5,514,765 37.11%

9/2019 IDR 32,200 0 1 - Current IDR 5,813,042 37.11%

8/2019 IDR 0 0 1 - Current IDR 6,099,845 37.11%

7/2019 IDR 0 0 1 - Current IDR 6,408,428 37.11%

6/2019 IDR 0 0 1 - Current IDR 6,706,931 37.11%

5/2019 IDR 0 0 1 - Current IDR 6,706,931 37.11%

4/2019 No Data No Data Not Specified No Data No Data

3/2019 No Data No Data Not Specified No Data No Data

2/2019 No Data No Data Not Specified No Data No Data

Closed Contracts as Debtor

No Contracts

Open Contracts as Guarantor

No Contracts

Closed Contracts as Guarantor

No Contracts

Securities
No data.

Other Liabilities
No data.

Involvements
No data.

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Related Parties
ID FULL NAME RELATION TYPE

Not Specified : Usaha Batu Merah Employer

Valid From 2020-12-31 Ownership Share

Gender Not Specified Parts of Guaranteed

Status of Not Specified

Owner/Management
Address BORONG BARU

Involvements
No Data.

Contract Relations
No Data.

Inquiries
No. of Inquiries During Last Months
No Inquiries.

Disputes
No data.

Disclaimer PBK
This Credit Information is based on data collected from Debtor Information System of Bank Indonesia / Financial Information Services System (SLIK) of Financial Service Authority
(OJK), Financial Institutions who are Members or Partners of PEFINDO Biro Kredit (PBK), public institutions as well as private entities who are data sources to PBK.
PBK is not responsible for correctness and accuracy of the data collected from the data providers.
PBK is not responsible for all outcomes arising from the data incorrectness and inaccuracy and the use of the Credit Information in the future.
PBK accepts complaint on indication of the data incorrectness and inaccuracy and will follow-up in accordance with the prevailing laws and regulations.

END OF REPORT
Pefindo Biro Kredit

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