SPEC // 01
PLAN: Base case · 26W · 500 MONTE CARLO PATHSTELEMETRI KEPATUHAN COVENANT LENDER & REGULASI OJK (POJK 35/46)
01 // Total Covenant Diuji
47
Lintas seluruh fasilitas aktif
02 // Status Breach (Pelanggaran)
0
0 Pelanggaran (Compliant)
03 // Headroom Ketat (< 10%)
3
Ambang peringatan dini ALCO
04 // Probabilitas Breach Tertinggi
39%
Simulasi 500 jalur Monte Carlo
MATRIX // 02
Garis putus-putus = batas covenantMATRIKS COVENANT PER LENDER & PROYEKSI HEADROOM MINGGUAN
| Lender / Facility | Debt to equity | Gearing | NPL > 30 dpd | NPL > 60 dpd | NPL > 90 dpd | Current ratio | Equity to assets | Receivables to assets | Borrowing to NSA | Performing AR to bank debt |
|---|---|---|---|---|---|---|---|---|---|---|
Bank Arunika Arunika Term Loan A | 4,21x (<= 10,00x) COMPLIANT 50%Prob: 0% | — | — | — | 1,7% (<= 3,0%) COMPLIANT 18%Prob: 20% | 1,25x (>= 1,00x) COMPLIANT 24%Prob: 0% | — | — | — | — |
Bank Samudra Raya Samudra Raya Term Loan | 4,21x (<= 7,50x) COMPLIANT 33%Prob: 0% | — | — | 2,7% (<= 5,0%) COMPLIANT 33%Prob: 5% | — | — | 16,8% (>= 15,0%) TIGHT 0%Prob: 39% | — | — | — |
Bank Lintas Nusa Lintas Nusa Term Loan | — | 3,98x (<= 8,00x) COMPLIANT 41%Prob: 0% | 4,5% (<= 6,0%) COMPLIANT 22%Prob: 12% | — | — | — | — | 96,2% (>= 80,0%) COMPLIANT 19%Prob: 0% | — | — |
Bank Cakrawala Cakrawala Term Loan | — | 3,98x (<= 9,00x) COMPLIANT 47%Prob: 0% | — | — | 1,7% (<= 4,0%) COMPLIANT 38%Prob: 2% | — | — | — | 0,74x (<= 1,00x) COMPLIANT 21%Prob: 0% | — |
Bank Mutiara Syariah Mutiara Syariah Murabahah Line | 4,21x (<= 10,00x) COMPLIANT 50%Prob: 0% | — | — | 2,7% (<= 5,0%) COMPLIANT 33%Prob: 5% | — | — | — | — | — | 1,66x (>= 1,00x) COMPLIANT 66%Prob: 0% |
Bank Pelita Jaya Pelita Jaya Term Loan | 4,21x (<= 7,50x) COMPLIANT 33%Prob: 0% | — | 4,5% (<= 6,0%) COMPLIANT 22%Prob: 12% | — | — | — | 16,8% (>= 15,0%) TIGHT 0%Prob: 39% | — | — | — |
Bank Arunika Arunika Working Capital Line | 4,21x (<= 10,00x) COMPLIANT 50%Prob: 0% | — | — | — | — | 1,25x (>= 1,00x) COMPLIANT 24%Prob: 0% | — | — | — | — |
Bank Samudra Raya Samudra Raya Revolver | — | 3,98x (<= 8,00x) COMPLIANT 41%Prob: 0% | — | 2,7% (<= 5,0%) COMPLIANT 33%Prob: 5% | — | — | — | — | — | — |
Bank Kencana Kencana Uncommitted Revolver | 4,21x (<= 7,50x) COMPLIANT 33%Prob: 0% | — | — | — | 1,7% (<= 3,0%) COMPLIANT 18%Prob: 20% | — | — | — | — | — |
Bank Wijaya Karta Wijaya Karta Uncommitted Revolver | — | 3,98x (<= 9,00x) COMPLIANT 47%Prob: 0% | 4,5% (<= 6,0%) COMPLIANT 22%Prob: 12% | — | — | — | — | — | — | — |
Arunika Multifinance Arunika Multi Joint Financing | — | — | — | — | 1,7% (<= 3,0%) COMPLIANT 18%Prob: 20% | — | — | — | — | — |
Bank Samudra Raya Samudra Raya Joint Financing | — | — | — | 2,7% (<= 5,0%) COMPLIANT 33%Prob: 5% | — | — | — | — | — | — |
Bank Lintas Nusa Lintas Nusa Joint Financing | — | — | 4,5% (<= 6,0%) COMPLIANT 22%Prob: 12% | — | — | — | — | — | — | — |
Bank Barokah Syariah Barokah Syariah Joint Financing | — | — | — | — | 1,7% (<= 4,0%) COMPLIANT 38%Prob: 2% | — | — | — | — | — |
Bank Nusa Dana Nusa Channeling | — | — | — | — | 1,7% (<= 3,0%) COMPLIANT 18%Prob: 20% | — | — | — | — | — |
Bank Cipta Niaga Cipta Channeling | — | — | — | 2,7% (<= 5,0%) COMPLIANT 33%Prob: 5% | — | — | — | — | — | — |
Bondholders (PUB) Obligasi Berkelanjutan I Seri A | 4,21x (<= 10,00x) COMPLIANT 50%Prob: 0% | 3,98x (<= 10,00x) COMPLIANT 52%Prob: 0% | — | — | — | — | 16,8% (>= 10,0%) COMPLIANT 50%Prob: 0% | — | — | — |
Bondholders (PUB) Obligasi Berkelanjutan I Seri B | 4,21x (<= 10,00x) COMPLIANT 50%Prob: 0% | 3,98x (<= 10,00x) COMPLIANT 52%Prob: 0% | — | — | — | — | 16,8% (>= 10,0%) COMPLIANT 50%Prob: 0% | — | — | — |
Bondholders (PUB) Obligasi Berkelanjutan II Seri A | 4,21x (<= 10,00x) COMPLIANT 50%Prob: 0% | 3,98x (<= 10,00x) COMPLIANT 52%Prob: 0% | — | — | — | — | 16,8% (>= 10,0%) COMPLIANT 50%Prob: 0% | — | — | — |
Sukuk Holders Sukuk Mudharabah Berkelanjutan I | 4,21x (<= 10,00x) COMPLIANT 50%Prob: 0% | — | — | — | 1,7% (<= 5,0%) COMPLIANT 51%Prob: 0% | — | — | — | — | — |
Pacific Syndicate Lenders Offshore Syndicated USD Loan | — | 3,98x (<= 8,00x) COMPLIANT 41%Prob: 0% | — | — | 1,7% (<= 4,0%) COMPLIANT 38%Prob: 2% | — | 16,8% (>= 15,0%) TIGHT 0%Prob: 39% | — | 0,74x (<= 1,00x) COMPLIANT 21%Prob: 0% | — |
PT Nusantara Konsumer Finance · OJK POJK 35/46