Pelita Group
Pelita Jaya Term LoanTerm loan
Bank Pelita Jaya · Pelita Group
Plafond
Rp 1,0 T
Outstanding
Rp 800 M
All-In CoF
11,13%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsMultiguna BPKB, Two-Wheeler
Tenor6 to 36 months
Ticket sizeRp 10 jt to Rp 200 jt
Minimum score0.65
Worst SLIK collectibilityKol 1
RegionsAll regions
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer15%
Batch sizeRp 4,0 M to Rp 40,0 M
Cutoff14:00
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 800 M
Utilization80,0%
CommittedYes
RevolvingNo
CurrencyIDR
Minimum drawRp 25,0 M
Notice (days)3
Availability ends—
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefloating
Base rate5,60%
Spread4,05%
Upfront fee0,75%
Commitment fee0,25%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest9,65%
All-in: Upfront fee (amortized)0,21%
All-in: Commitment fee0,06%
All-in: Over-collateralization1,20%
All-in cost of funds11,13%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 183
Batch tenor36 months
Amortizationbullet
Renewal—
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required100%
Max DPD eligible90 days
Substitution (days)10
Eligible segmentsmultipurpose, two_wheeler
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Debt to equity | Total borrowings / total equity | <= 7.5x | quarterly |
| NPL > 30 dpd | Receivables over 30 days past due / gross receivables | <= 6,0% | quarterly |
| Equity to assets | Total equity / total assets | >= 15,0% | 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