Samudra Group
Samudra Raya Joint FinancingJoint financing
Bank Samudra Raya · Samudra Group
Plafond
Rp 1,0 T
Outstanding
Rp 600 M
All-In CoF
11,69%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsTwo-Wheeler, POS Smartphone
Tenor6 to 36 months
Ticket sizeRp 3 jt to Rp 200 jt
Minimum score0.60
Worst SLIK collectibilityKol 1
RegionsAll regions
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer6%
Batch sizeRp 20,0 M to Rp 90,0 M
CutoffTue 12:00
Processing3 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 1,0 T
OutstandingRp 600 M
Utilization60,0%
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 rate9,50%
Spread0,00%
Upfront fee0,00%
Commitment fee0,00%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest11,59%
All-in: Bridging0,11%
All-in cost of funds11,69%
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 segmentstwo_wheeler, pos_phone
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