Arunika Group
Arunika Multi Joint FinancingJoint financing
Arunika Multifinance · Arunika Group
Plafond
Rp 1,2 T
Outstanding
Rp 700 M
All-In CoF
10,59%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsPOS Smartphone, POS Appliance, Cash Loan
Tenor6 to 12 months
Ticket sizeRp 1 jt to Rp 200 jt
Minimum score0.55
Worst SLIK collectibilityKol 2
RegionsDKI Jakarta, Jawa Barat, Jawa Tengah, Jawa Timur, Banten, Bali
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer8%
Batch sizeRp 20,0 M to Rp 110 M
CutoffWed 15:00
Processing3 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 1,2 T
OutstandingRp 700 M
Utilization58,3%
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 rate9,25%
Spread0,00%
Upfront fee0,00%
Commitment fee0,00%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest10,51%
All-in: Bridging0,08%
All-in cost of funds10,59%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 131
Batch tenor12 months
Amortizationmatched
Renewal—
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required0%
Max DPD eligible90 days
Substitution (days)0
Eligible segmentspos_phone, pos_appliance, cash
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| NPL > 90 dpd | Receivables over 90 days past due / gross receivables | <= 3,0% | 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