Samudra Group
Samudra Raya Term LoanTerm loan
Bank Samudra Raya · Samudra Group
Plafond
Rp 2,0 T
Outstanding
Rp 1,7 T
All-In CoF
10,74%
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 score0.55
Worst SLIK collectibilityKol 1
RegionsAll regions
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer8%
Batch sizeRp 15,0 M to Rp 100 M
Cutoff15:00
Processing3 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 2,0 T
OutstandingRp 1,7 T
Utilization85,0%
CommittedYes
RevolvingNo
CurrencyIDR
Minimum drawRp 25,0 M
Notice (days)3
Availability endsWeek 40
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefloating
Base rate5,60%
Spread3,40%
Upfront fee0,75%
Commitment fee0,25%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest9,00%
All-in: Upfront fee (amortized)0,38%
All-in: Commitment fee0,04%
All-in: Over-collateralization1,32%
All-in cost of funds10,74%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 105
Batch tenor9 months
Amortizationmatched
Renewal—
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required110%
Max DPD eligible60 days
Substitution (days)3
Eligible segmentspos_phone, pos_appliance, cash, two_wheeler, multipurpose
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Debt to equity | Total borrowings / total equity | <= 7.5x | quarterly |
| NPL > 60 dpd | Receivables over 60 days past due / gross receivables | <= 5,0% | 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