Kencana Group
Kencana Uncommitted RevolverRevolverUncommitted
Bank Kencana · Kencana Group
Plafond
Rp 600 M
Outstanding
Rp 425 M
All-In CoF
10,56%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsPOS Smartphone, POS Appliance
Tenor6 to 12 months
Ticket sizeRp 1 jt to Rp 20 jt
Minimum score0.50
Worst SLIK collectibilityKol 2
RegionsAll regions
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer10%
Batch sizeRp 10,5 M to Rp 40,0 M
Cutoff14:00
Processing1 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 600 M
OutstandingRp 425 M
Utilization70,8%
CommittedNo
RevolvingYes
CurrencyIDR
Minimum drawRp 10,0 M
Notice (days)1
Availability endsWeek 40
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefloating
Base rate5,60%
Spread2,70%
Upfront fee0,75%
Commitment fee0,00%
Prepayment penalty0,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest8,30%
All-in: Upfront fee (amortized)1,00%
All-in: Over-collateralization1,26%
All-in cost of funds10,56%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 40
Batch tenor1 months
Amortizationbullet
RenewalWeek 37
Renewal probability70%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required105%
Max DPD eligible90 days
Substitution (days)5
Eligible segmentspos_phone, pos_appliance
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Debt to equity | Total borrowings / total equity | <= 7.5x | quarterly |
| 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