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    toni
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    Pintek offers invoice financing and purchase order (PO) financing to businesses that may be unbankable for traditional banks. For a client applying for PO financing, Pintek would analyze the client's 1 year of financial statements showing revenue of IDR 100 billion, costs of IDR 60 billion, and operating expenses of IDR 10 billion. They would also review 6 months of bank statements showing monthly debit and credit amounts and a verification showing no negative news or credit issues. Pintek would then propose customized terms and conditions for the PO financing based on this financial analysis.

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    Pintek offers invoice financing and purchase order (PO) financing to businesses that may be unbankable for traditional banks. For a client applying for PO financing, Pintek would analyze the client's 1 year of financial statements showing revenue of IDR 100 billion, costs of IDR 60 billion, and operating expenses of IDR 10 billion. They would also review 6 months of bank statements showing monthly debit and credit amounts and a verification showing no negative news or credit issues. Pintek would then propose customized terms and conditions for the PO financing based on this financial analysis.

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    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
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    3 views1 page

    Test Case

    Uploaded by

    toni
    Pintek offers invoice financing and purchase order (PO) financing to businesses that may be unbankable for traditional banks. For a client applying for PO financing, Pintek would analyze the client's 1 year of financial statements showing revenue of IDR 100 billion, costs of IDR 60 billion, and operating expenses of IDR 10 billion. They would also review 6 months of bank statements showing monthly debit and credit amounts and a verification showing no negative news or credit issues. Pintek would then propose customized terms and conditions for the PO financing based on this financial analysis.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 1

    1.

    Pintek as one of Fintech in Indonesia, whose mission is to drive business transformation


    through financial service innovation. Pintek’s target market is potential business that
    unbankable and cannot be reach by Bank requirement. Pintek offers 2 products that
    quite common in the market, which are Invoice Financing and PO Financing. Please
    elaborate how do you will calculate or analyze client’s financial with required TnC! (i.e
    what point do you see, where you can get the data, and what method do yo use to
    assess the worthiness)

    2. PT ABC
    a. Length of business: 1 years
    b. Industry category: FMCG – Daily Product
    c. Business Location: Bandung
    d. Facility purposed: PO Financing
    e. Revenue based on Financial Statement Per June 2023 IDR 100 Bio, COGS IDR 60 Bio,
    OPEX IDR 10 Bio
    f. Bank Statement:
    Debit Credit
    Jan 2023 15 Bio 15 Bio
    Feb 2023 17 Bio 16 Bio
    Mar 2023 16 Bio 20 Bio
    Apr 2023 15 Bio 18 Bio
    May 2023 17 Bio 15 Bio
    Jun 2023 15 Bio 17 Bio
    g. Verification result:
    - No negative news
    - No result on the company’s credit history by a credit bureau

    How do you review these companies and what are you going to propose (the terms and
    conditions)

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