Barokah Group
Barokah Syariah Joint FinancingJoint financingSharia
Bank Barokah Syariah · Barokah Group
Plafond
Rp 600 M
Outstanding
Rp 300 M
All-In CoF
11,56%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsSharia POS
Tenor6 to 12 months
Ticket sizeRp 1 jt to Rp 200 jt
Minimum score0.55
Worst SLIK collectibilityKol 2
RegionsAll regions
Sharia onlyYes
Complete documents requiredYes
Max share from one dealer5%
Batch sizeRp 4,0 M to Rp 45,0 M
CutoffWed 10:00
Processing3 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 600 M
OutstandingRp 300 M
Utilization50,0%
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 rate9,75%
Spread0,00%
Upfront fee0,00%
Commitment fee0,00%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest11,47%
All-in: Bridging0,09%
All-in cost of funds11,56%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 105
Batch tenor12 months
Amortizationmatched
Renewal—
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required0%
Max DPD eligible90 days
Substitution (days)0
Eligible segmentssharia_pos
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| NPL > 90 dpd | Receivables over 90 days past due / gross receivables | <= 4,0% | 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