Lintas Group
Lintas Nusa Joint FinancingJoint financing
Bank Lintas Nusa · Lintas Group
Plafond
Rp 900 M
Outstanding
Rp 400 M
All-In CoF
10,89%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsTwo-Wheeler, Multiguna BPKB
Tenor6 to 36 months
Ticket sizeRp 3 jt to Rp 200 jt
Minimum score0.50
Worst SLIK collectibilityKol 2
RegionsAll regions
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer10%
Batch sizeRp 1,5 M to Rp 70,0 M
CutoffThu 14:00
Processing2 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 900 M
OutstandingRp 400 M
Utilization44,4%
CommittedYes
RevolvingNo
CurrencyIDR
Minimum drawRp 25,0 M
Notice (days)5
Availability ends—
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefixed
Base rate9,75%
Spread0,00%
Upfront fee0,00%
Commitment fee0,00%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest10,83%
All-in: Bridging0,06%
All-in cost of funds10,89%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 157
Batch tenor18 months
Amortizationmatched
Renewal—
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required0%
Max DPD eligible90 days
Substitution (days)0
Eligible segmentstwo_wheeler, multipurpose
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| NPL > 30 dpd | Receivables over 30 days past due / gross receivables | <= 6,0% | 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