Samudra Group
Samudra Raya RevolverRevolver
Bank Samudra Raya · Samudra Group
Plafond
Rp 700 M
Outstanding
Rp 500 M
All-In CoF
10,67%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsPOS Smartphone, POS Appliance
Tenor9 to 18 months
Ticket sizeRp 1 jt to Rp 200 jt
Minimum score0.55
Worst SLIK collectibilityKol 1
RegionsDKI Jakarta, Jawa Barat, Jawa Tengah, Jawa Timur, Banten, Bali
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer12%
Batch sizeRp 11,0 M to Rp 50,0 M
Cutoff15:00
Processing2 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 700 M
OutstandingRp 500 M
Utilization71,4%
CommittedYes
RevolvingYes
CurrencyIDR
Minimum drawRp 10,0 M
Notice (days)1
Availability endsWeek 79
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefloating
Base rate5,60%
Spread3,15%
Upfront fee0,75%
Commitment fee0,25%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest8,75%
All-in: Upfront fee (amortized)0,50%
All-in: Commitment fee0,10%
All-in: Over-collateralization1,32%
All-in cost of funds10,67%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 79
Batch tenor3 months
Amortizationbullet
RenewalWeek 71
Renewal probability90%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required110%
Max DPD eligible90 days
Substitution (days)5
Eligible segmentspos_phone, pos_appliance
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Gearing | Borrowings / (equity + subordinated loan - investments) | <= 8x | quarterly |
| NPL > 60 dpd | Receivables over 60 days past due / gross receivables | <= 5,0% | 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