Cipta Group
Cipta ChannelingChanneling
Bank Cipta Niaga · Cipta Group
Plafond
Rp 500 M
Outstanding
Rp 300 M
All-In CoF
8,76%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsPOS Smartphone, POS Appliance, Two-Wheeler
Tenor6 to 12 months
Ticket sizeRp 1 jt to Rp 200 jt
Minimum score0.50
Worst SLIK collectibilityKol 2
RegionsDKI Jakarta, Jawa Barat, Jawa Tengah, Jawa Timur, Banten, Bali, Sulawesi Selatan, Lampung
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer7%
Batch sizeRp 5,0 M to Rp 40,0 M
Cutoff15:00
Processing2 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 500 M
OutstandingRp 300 M
Utilization60,0%
CommittedYes
RevolvingNo
CurrencyIDR
Minimum drawRp 25,0 M
Notice (days)7
Availability ends—
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefixed
Base rate8,95%
Spread0,00%
Upfront fee0,00%
Commitment fee0,00%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest9,94%
All-in: Bridging0,06%
All-in: Servicing income-1,25%
All-in cost of funds8,76%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 105
Batch tenor12 months
Amortizationmatched
Renewal—
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required0%
Max DPD eligible90 days
Substitution (days)0
Eligible segmentspos_phone, pos_appliance, two_wheeler
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| NPL > 60 dpd | Receivables over 60 days past due / gross receivables | <= 5,0% | quarterly |
SPEC // 08
NEGATIVE COVENANTS
- New debt requires consent unless gearing < 10x
- No dividends while in breach
SPEC // 09
EVENT TRIGGERS
- Cross-default
- Rating downgrade below A-(idn)
SPEC // 10
REPORTING OBLIGATIONS
- Monthly portfolio report
PT Nusantara Konsumer Finance · OJK POJK 35/46