Wijaya Group
Wijaya Karta Uncommitted RevolverRevolverUncommitted
Bank Wijaya Karta · Wijaya Group
Plafond
Rp 600 M
Outstanding
Rp 425 M
All-In CoF
11,21%
SPEC // 01
RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY
SegmentsPOS Smartphone, POS Appliance, Cash Loan
Tenor6 to 9 months
Ticket sizeRp 1 jt to Rp 200 jt
Minimum score0.60
Worst SLIK collectibilityKol 2
RegionsDKI Jakarta, Jawa Barat, Jawa Tengah, Jawa Timur, Banten, Bali, Sulawesi Selatan, Lampung
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer8%
Batch sizeRp 10,5 M to Rp 30,0 M
Cutoff15:00
Processing2 business days
SPEC // 02
RECENT REFINANCING BATCHES WITH THIS LENDER
Loading recent batches…
SPEC // 03
FACILITY LIMITS & COMMITMENT PARAMETERS
PlafondRp 600 M
OutstandingRp 425 M
Utilization70,8%
CommittedNo
RevolvingYes
CurrencyIDR
Minimum drawRp 10,0 M
Notice (days)1
Availability endsWeek 27
SPEC // 04
PRICING & ALL-IN COST OF FUNDS BREAKDOWN
Rate typefloating
Base rate5,60%
Spread2,85%
Upfront fee0,75%
Commitment fee0,00%
Prepayment penalty0,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest8,45%
All-in: Upfront fee (amortized)1,50%
All-in: Over-collateralization1,26%
All-in cost of funds11,21%
SPEC // 05
TENOR, AMORTIZATION & RENEWAL
MaturityWeek 27
Batch tenor1 months
Amortizationbullet
RenewalWeek 25
Renewal probability65%
SPEC // 06
FIDUSIA COLLATERAL & SECURITY
Coverage required105%
Max DPD eligible90 days
Substitution (days)5
Eligible segmentspos_phone, pos_appliance, cash
SecurityFiduciary assignment of receivables
SPEC // 07
FINANCIAL COVENANTS
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Gearing | Borrowings / (equity + subordinated loan - investments) | <= 9x | quarterly |
| NPL > 30 dpd | Receivables over 30 days past due / gross receivables | <= 6,0% | 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