Cooperation Agreement Procedures

of

PT Skoring Kredit Inklusif 

SOP_L_01

Last Revision : 2 December 2022

Last Review : 2 December 2022
Next Review Not Later Than : 30 June 2023

N Revision Revision Revised by Details

o Number Date
1 V.1.00 Elizabet Diani Samantha Initial SOP
2 V.1.01 2 Dec 2022 Hendy Wijaya Added definition, revision tracking,
adjusted the scope of SOP
‍

_________________ _________________
Prepared by: Approved by:
(Dept Head name) (Director name)

This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms, and it
is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif
 PT Skoring Kredit Inklusif Cooperation Agreement Procedures Internal
V.1.01 2 December 2022 SOP_L_01 Page 2/5

I. Purpose

Ensure Digiscore internal procedure and third party’s the ability credibility to meet the
requirements of cooperation before the document signing.

II. Scope

This procedure applies in all offices of PT Skoring Kredit Inklusif with the scope of:

1. 1. Verification Procedures
2. Agreement Signing, Documentation and Archiving ProceduresCooperation
Agreements with Clients (Individuals)
3. 2. Cooperation Agreements with Clients (Non Individuals)

III. Definition

1. NDA, refers to the Non-Disclosure Agreement, which could be provided by Digiscore

or third parties. NDA would serve as legally enforceable agreement between parties
that are used to ensure that certain information will remain confidential.
2. CA, refers to the Cooperation Agreement, which could be provided by Digiscore or
third parties. CA would serve as legally binding contracts that summarize strategic
arrangements between Digiscore and other parties and agents such as suppliers and
partners.
3. Client, refers to the third party individual or company who are going to purchase
products or services from Digiscore.
4. Vendor, refers to the third party individual or company of whom Digiscore are going
to purchase products or services from.
5. BoD, Board of Directors, refers to the top management within the company.
6. Legal, refers to the Legal Department personnel or team within Digiscore.
7. BD, refers to the Business Development personnel or team within Digiscore.
8. Admin, refers to the administrative staff or personnel within Digiscore.
9. Other Dept, refers to the other department within Digiscore, who has the need to
conduct a cooperation with third party vendor.
10. KYC, refers to the Know Your Customer, guidelines in financial services require that
professionals make an effort to verify the identity, suitability, and risks involved with
maintaining a business relationship.
11. KYB, refers to the Know Your Business, a verification standard that confirms the legal
status of a company and its compliance with Anti-Money Laundering and other
regulations.

IV. Required DocumentsVerification Procedures

1. Initial interaction

a. Before conducting any potential cooperation, BD is required to do basic

identification and verification on the client or vendor, which needs the BD to
collect:

This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to Checker Initials
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms,
and it is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif
 PT Skoring Kredit Inklusif Cooperation Agreement Procedures Internal
V.1.01 2 December 2022 SOP_L_01 Page 3/5

i. Individual or Company name (along with the PIC name)

ii. Individual or PIC
iii. Address of domicile
iv. The legality of the individual or entities involved.
b. During this phase, BD or other Dept can only share Company Profile and Product
List, and/or every document which is labeled as public to the client or vendor. To
progress to the next step, NDA is required to be signed by both parties.
c. NDA would be provided from Digiscore if the client or the vendor does not
provide them.
d. The initial NDA would need to be confirmed by both side before being processed
for signing.
e. No documents needed to be submitted from the third party for NDA.

Note: The procedures for NDA signing would be elaborated more on section V.

2. After the NDA

a. After the signing and proper documentation of NDA has been done, BD or other
Dept could carry on with sharing the price quotation and the testing of the
feature.
b. BD also need to collect the required third-party credentials and provide
Digiscore credentials for the other party. The credentials from third party are
compulsory for legal to process the CA. Credentials needed from third party see
appx 1.
1. Cooperation Agreement with Clients (Individuals)

-KTP
-Family Cards
-NPWP

2. Cooperation Agreements with Clients (Non-Individuals)

- KTP of Directors/PIC, Company Deed, SKDP, NPWP, SIUP and TDP

IV. General requirements

1. The User (Other Department) must obtain information on the company's prospective
clients by filling in the company info and completing the data and documents in accordance
with the checklist for the completeness of the Company's prospective Client documents
before becoming a company client from PT Skoring Kredit Inklusif or an extension of the
cooperation agreement with PT Skoring Kredit Inklusif.

2. If the client does not have a draft agreement, then he must use the draft agreement from
PT Skoring Kredit Inklusif but if the client has a draft agreement, then the Dept. Legal
conducts a study of the agreement to determine whether the agreement contains a
prohibition article or not.

3. If there is a prohibition article, the Dept. Legal will ask the User to negotiate with the client
to remove the article in question. If the client refuses, then the Dept. Legal will apply for the
application of the prohibition article to the competent authority.

This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to Checker Initials
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms,
and it is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif
 PT Skoring Kredit Inklusif Cooperation Agreement Procedures Internal
V.1.01 2 December 2022 SOP_L_01 Page 4/5

4. The signing of the agreement from PT Skoring Kredit Inklusif follows the existing agreement
signing matrix (attached) and can be signed if all procedures have been carried out by the
User and the Dept. Legal.

5. All agreements are signed by the authorized official. The agreement must be made in
duplicate (original) and initialed by the User and the Dept. Legal.

6. The User is responsible for the entire process/procedure for approval to become a client or
the extension of a cooperation agreement with a client.

7. The signed agreement, scanned and stored by the Dept. Legal for the original and sent to
the User.

8. If the draft of the Cooperation Agreement from the client only requires the signature of
only 1 (one) representative from the company, then a power of attorney or approval letter for
signing the Cooperation Agreement must be made containing the approval of the
Cooperation Agreement signed by 1 (one) member of the Board of Directors.

V. Order of Work and ResponsibilitiesAgreement Signing, Documentation and Archiving

Procedures

A. Cooperation Agreement with Client (Individual)

1. User (Other Dept)BD or other Dept need to make sure all the necessary documents for
respective type of agreement are completed, before further process it to legal.

2. Agreement could be provided from any party. BD or other Dept must check and fill in BD
related blanks within the agreement. The revised agreement is then sent through email to
legal along with the required document.

a) Contacting clients to complete legality documents in accordance with the check list for
completeness of documents for prospective company clients.
b) Review and documents from prospective clients.
c) If the results of the data assessment are approved, the User sends the data and documents
to the Dept. It is legal to review prospective clients' documents.
d) If the results of the data review are not approved, the User informs the prospective client.

2. Dept. Legal would conduct

a) Conduct a document review of prospective client or vendors. Whenever there are issues
before the final version, legal would return the revised agreement with comments to BD or
other related Dept to confirm with the third party.

4. Finalized agreement draft would be numbered and recorded by legal before passing to the
third party through BD or other related Dept. BD or other related Dept would then generate a
PDF version of the agreement and do a final confirmation with the third party.

This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to Checker Initials
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms,
and it is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif
 PT Skoring Kredit Inklusif Cooperation Agreement Procedures Internal
V.1.01 2 December 2022 SOP_L_01 Page 5/5

5. The PDF version would then be printed out by BD or other related Dept with necessary
marking for BoD’s Signature, Company Stamp and Duty Stamp. Note that only CA with
contract amount is over 5.000.000 rupiah need to be Duty Stamped. See Appx 2.

6. The documents are printed out in two copies by Admin. The admin also processes BoD’s
Signature, Company Stamp and Duty Stamp. The signed agreement would be scanned.
Agreement with Duty Stamp would be scanned based on the Digiscore duty stamped version.

7. Admin then sends the signed agreement to the third party through post office or other
similar courier services.

8. In case of Digital Signature, (please legal help to fill in this part)

9. After the third party has received and signed the agreement, BD or other related Dept
would provide Admin information as receiver. Admin would then scan the final version and
send the softcopy of the signed agreement to legal and BD/other Dept; and hardcopy to
legal.b) If the documents are complete and approved, then it is legal to prepare a draft
cooperation agreement or review the draft cooperation agreement from the prospective
client.

10. Legal is required to archive the agreement and kept the hardcopy at least 1 year after the
expiration date, and softcopy at least 5 years after the expiration date.

(THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK) c) If it is

not approved, then the Dept. Legal informing the User

3. General Manager (GM)

a) If he approves the prospective client to become a client, the GM will paraf approval the 2
(two) duplicate Cooperation Agreement and send it to the User.
b) If GM don't agree with the prospective client to become a client, then the GM informs the
User

4. Directors

a) If he approves a prospective client to become a client, the Board of Directors will sign a 2
(two) duplicate Cooperation Agreement and send it to the User.
b) If the prospective client does not approve to become a client, the Board of Directors will
inform the User

5. User

a) Receive a Cooperation Agreement that has been signed by the director and send a
cooperation agreement that has been signed by the director in 2 (two) copies to prospective
clients for signature.

This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to Checker Initials
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms,
and it is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif
 PT Skoring Kredit Inklusif Cooperation Agreement Procedures Internal
V.1.01 2 December 2022 SOP_L_01 Page 6/5

b) Receive and keep the cooperation agreement that has been signed by the director and
authorized official from the prospective client.
c) Send 1 (one) original cooperation agreement to the Dept. Legal for filing documents

B. Cooperation Agreement with Clients (Non-Individuals)

1. User (Other Dept)

a) Contacting the client to complete the legality documents in accordance with the check list
for the completeness of the documents for the company's prospective clients.
b) Review and documents from prospective clients.
c) If necessary, conduct a survey to the location of the prospective client
. d) If the results of the data assessment are approved, the User sends the data and
documents to the Dept. It is legal to conduct a document review of a prospective client. If the
results of the data review are not approved, the User informs the prospective client.

2. Dept. Legal

a) Conduct a document review of prospective clients.

b) If the documents are complete and approved, then it is legal to prepare a draft cooperation
agreement or review the draft cooperation agreement from the prospective client.
c) If it is not approved, then the Dept. Legal informs User.7.

This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to Checker Initials
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms,
and it is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif
 PT Skoring Kredit Inklusif Cooperation Agreement Procedures Internal
V.1.01 2 December 2022 SOP_L_01 Page 7/5

3. General Manager (GM)

a) If he approves a prospective client to become a client, then the GM initializes the approval
of the Cooperation Agreement in 2 (two) copies and sends it to the User.
b) If it does not approve the prospective client to become a client, then the GM informs the
User.

4. Directors

a) If he approves a prospective client to become a client, the Board of Directors will sign a 2
(two) duplicate Cooperation Agreement and send it to the User.
b) If it does not approve the prospective client to become a client, the Board of Directors will
inform the User.

9. User

a) Receive the Cooperation Agreement that has been signed by the director and send the
cooperation agreement that has been signed by the director in 2 (two) copies to the
prospective client for signature.
b) Receive and keep the cooperation agreement that has been signed by the director and
authorized official from the prospective client.
c) Send 1 (one) original cooperation agreement to the Dept. Legal for filing documents.

APPENDIX 1
Credentials check list for third party

A. Individual

1 -KTP (for Indonesian) or Passport/KITAS (for foreigner) ☐

2 -Family Cards ☐
3 -NPWP (Tax ID) ☐

B. Company

1 Company Establishment Documents ☐

2 NIB (Business Identification Number) ☐
3 Company Tax ID ☐
4 ID of Director/PIC (refer to appx 1.A.1) ☐
5 OJK Business License or permit for financial institution* ☐
6 Kominfo Electronic System Operator License* ☐
☒

*) Required if the entity business is related to respective ministries.

APPENDIX 2
This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to Checker Initials
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms,
and it is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif
 PT Skoring Kredit Inklusif Cooperation Agreement Procedures Internal
V.1.01 2 December 2022 SOP_L_01 Page 8/5

Watermarking for BoD’s Signature, Company Stamp and Duty Stamp

For NDA and agreement equal/under 5 mil IDR: BoD’s Signature and Company Stamp
For agreement over 5 mil IDR: BoD’s Signature, Company Stamp and Duty Stamp

Format:

or

TS TS TSM

(Name of Dir) (Name of (Name of Dir)

(Position) Dir) (Position)
(Position)

Note:
T stands for Tanda Tangan (Signature)
S stands for Stempel (Company Stamp)
M stands for Materai (Duty Stamp)

This material is an internal document and only used within the PT Skoring Kredit Inklusif environment. It is prohibited to Checker Initials
duplicate, publish in any form, electronically or mechanically including photocopying or storing information in other forms,
and it is prohibited to distribute this material to other parties without written permission from PT Skoring Kredit Inklusif