Arunika Group
Arunika Working Capital LineRevolver
Bank Arunika · Arunika Group
Plafond
Rp 800 M
Outstanding
Rp 550 M
All-In CoF
10,72%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsPOS Smartphone, POS Appliance
Tenor6 to 18 months
Ticket sizeRp 1 jt to Rp 200 jt
Minimum score0.45
Worst SLIK collectibilityKol 2
RegionsAll regions
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer15%
Batch sizeRp 10,5 M to Rp 60,0 M
Cutoff16:00
Processing1 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 800 M
OutstandingRp 550 M
Utilization68,8%
CommittedYes
RevolvingYes
CurrencyIDR
Minimum drawRp 10,0 M
Notice (days)1
Availability endsWeek 53
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefloating
Base rate5,60%
Spread3,00%
Upfront fee0,75%
Commitment fee0,25%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest8,60%
All-in: Upfront fee (amortized)0,75%
All-in: Commitment fee0,11%
All-in: Over-collateralization1,26%
All-in cost of funds10,72%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 53
Batch tenor3 months
Amortizationbullet
RenewalWeek 49
Renewal probability92%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required105%
Max DPD eligible90 days
Substitution (days)5
Eligible segmentspos_phone, pos_appliance
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Debt to equity | Total borrowings / total equity | <= 10x | quarterly |
| Current ratio | Current assets / current liabilities | >= 1x | 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