Cakrawala Group
Cakrawala Term LoanTerm loan
Bank Cakrawala · Cakrawala Group
Plafond
Rp 1,5 T
Outstanding
Rp 1,2 T
All-In CoF
11,08%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsPOS Smartphone, POS Appliance, Cash Loan, Two-Wheeler, Multiguna BPKB
Tenor6 to 36 months
Ticket sizeRp 1 jt to Rp 200 jt
Minimum score0.60
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 dealer12%
Batch sizeRp 15,0 M to Rp 70,0 M
Cutoff15:00
Processing3 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 1,5 T
OutstandingRp 1,2 T
Utilization80,0%
CommittedYes
RevolvingNo
CurrencyIDR
Minimum drawRp 25,0 M
Notice (days)3
Availability endsWeek 53
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefloating
Base rate5,60%
Spread3,60%
Upfront fee0,75%
Commitment fee0,25%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest9,20%
All-in: Upfront fee (amortized)0,50%
All-in: Commitment fee0,06%
All-in: Over-collateralization1,32%
All-in cost of funds11,08%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 79
Batch tenor12 months
Amortizationmatched
Renewal—
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required110%
Max DPD eligible90 days
Substitution (days)5
Eligible segmentspos_phone, pos_appliance, cash, two_wheeler, multipurpose
SecurityFiduciary assignment of receivables; Corporate guarantee
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Gearing | Borrowings / (equity + subordinated loan - investments) | <= 9x | quarterly |
| NPL > 90 dpd | Receivables over 90 days past due / gross receivables | <= 4,0% | quarterly |
| Borrowing to NSA | On- plus off-balance borrowings / net surplus assets | <= 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