PROVISI ASURANSI ADM

4.8% 0.00% 100,000

PARAMETER PENDAPATAN VS PENGELUARAN
PENDAPATAN
BORROWER POKOK HUTANG PROVISI ASURANSI ADM
40 300,000,000 14,250,000 - 4,000,000
INSENTIVE 50 500,000,000 23,750,000 - 5,000,000
70 700,000,000 33,250,000 - 7,000,000
100 1,000,000,000 47,500,000 - 10,000,000
TOTAL 2,500,000,000 118,750,000 - 26,000,000

Pendapatan perusahaan 144,750,000

Pengeluaran Marketing 20,750,000
124,000,000

Pengambilan insentif dari pencadangan biaya Adm Rp 100 rb yg dibebankan ke Borrowed

INSENTIF
KRITERIA PENCAIRAN PER
APLIKASI
BORROWER ≥ 40 15,000
BORROWER ≥ 50 20,000
BORROWER ≥ 70 25,000
BORROWER ≥ 100 30,000
 15,000 20,000 25,000 30,000
PENGELUARAN
PENGELUARAN
GAJI UM INSENTIF +/-
3,100,000 500,000 600,000 4,200,000
3,100,000 500,000 1,000,000 4,600,000
3,100,000 500,000 1,750,000 5,350,000
3,100,000 500,000 3,000,000 6,600,000
12,400,000 2,000,000 6,350,000 20,750,000

n ke Borrowed

KATEGORI
INSENTIF

D
C
B
A
Target Year 48,000,000,000
January February March April
Produk
2,000,000,000 4,000,000,000 4,500,000,000 4,500,000,000
Payday Loan 400,000,000 800,000,000 900,000,000 900,000,000
Komersial 1,000,000,000 2,000,000,000 2,250,000,000 2,250,000,000
Personal Loan 600,000,000 1,200,000,000 1,350,000,000 1,350,000,000

Payday Loan Komersial Personal Loan

10% Komisi 1.25% Komisi 5%
4% Bunga 1.50% Bunga 1.50%
150,000,000 Pendapatan awal 300,000,000 Pendapatan awal 720,000,000

KPI Payday Loan LO KPI Komersial KPI Personal Loan

Disburse 100% Disburse 100% Disburse
Tertagih 98% Tertagih 100% Tertagih
Mengalir/Flow 2% Mengalir/Flow 0 Mengalir/Flow
Borrower 40 Ammont 95% Borrower

Target AO
BULAN February BULAN
TARGET 4,000,000,000 TARGET
ESA Payday Loan 400,000,000 ESA Payday Loan
Komersial Komersial
Personal Loan 600,000,000 Personal Loan
Payday Loan Payday Loan
Hadad Komersial 2,000,000,000 Hadad Komersial
Personal Loan Personal Loan
Payday Loan 400,000,000 Payday Loan
Deri Komersial Deri Komersial
Personal Loan 600,000,000 Personal Loan

BULAN Juli BULAN

TARGET 4,500,000,000 TARGET
ESA Payday Loan 450,000,000 ESA Payday Loan
Komersial Komersial
Personal Loan 675,000,000 Personal Loan
Payday Loan Payday Loan
Hadad Komersial 2,250,000,000 Hadad Komersial
Personal Loan Personal Loan
Payday Loan 450,000,000 Payday Loan
Deri Komersial Deri Komersial
Personal Loan 675,000,000 Personal Loan
 May June July August September October
5,000,000,000 5,000,000,000 4,500,000,000 4,500,000,000 4,500,000,000 4,000,000,000
1,000,000,000 1,000,000,000 900,000,000 900,000,000 900,000,000 800,000,000
2,500,000,000 2,500,000,000 2,250,000,000 2,250,000,000 2,250,000,000 2,000,000,000
1,500,000,000 1,500,000,000 1,350,000,000 1,350,000,000 1,350,000,000 1,200,000,000

Personal Loan
Komisi
Bunga
Pendapatan awal

KPI Personal Loan

100%
98%
2%
40

Maret BULAN April BULAN

4,500,000,000 TARGET 4,500,000,000 TARGET
450,000,000 ESA Payday Loan 450,000,000 ESA Payday Loan
Komersial Komersial
675,000,000 Personal Loan 675,000,000 Personal Loan
Payday Loan Payday Loan
2,250,000,000 Hadad Komersial 2,250,000,000 Hadad Komersial
Personal Loan Personal Loan
450,000,000 Payday Loan 450,000,000 Payday Loan
Deri Komersial Deri Komersial
675,000,000 Personal Loan 675,000,000 Personal Loan

Agustus BULAN september BULAN

4,500,000,000 TARGET 4,500,000,000 TARGET
450,000,000 ESA Payday Loan 450,000,000 ESA Payday Loan
Komersial Komersial
675,000,000 Personal Loan 675,000,000 Personal Loan
Payday Loan Payday Loan
2,250,000,000 Hadad Komersial 2,250,000,000 Hadad Komersial
Personal Loan Personal Loan
450,000,000 Payday Loan 450,000,000 Payday Loan
Deri Komersial Deri Komersial
675,000,000 Personal Loan 675,000,000 Personal Loan
 November December Total
3,000,000,000 2,500,000,000 48,000,000,000
600,000,000 500,000,000 9,600,000,000
1,500,000,000 1,250,000,000 24,000,000,000
900,000,000 750,000,000 14,400,000,000

Mei BULAN Juni

5,000,000,000 TARGET 5,000,000,000
500,000,000 ESA Payday Loan 500,000,000
Komersial
750,000,000 Personal Loan 750,000,000
Payday Loan
2,500,000,000 Hadad Komersial 2,500,000,000
Personal Loan
500,000,000 Payday Loan 500,000,000
Deri Komersial
750,000,000 Personal Loan 750,000,000

October BULAN November BULAN

4,000,000,000 TARGET 3,000,000,000 TARGET
400,000,000 ESA Payday Loan 300,000,000 ESA Payday Loan
Komersial Komersial
600,000,000 Personal Loan 450,000,000 Personal Loan
Payday Loan Payday Loan
2,000,000,000 Hadad Komersial 1,500,000,000 Hadad Komersial
Personal Loan Personal Loan
400,000,000 Payday Loan 300,000,000 Payday Loan
Deri Komersial Deri Komersial
600,000,000 Personal Loan 450,000,000 Personal Loan
 November
2,500,000,000
250,000,000

375,000,000

1,250,000,000

250,000,000

375,000,000
A.     KPI AO Personal Loan
Key performance Indicator (KPI) merupakan indicator – indicator target percapaian kinerja team Ao Lending berdasa
Simulasi kemampuan disburse, (New Disbursement Quality) NDQ 1=100% Selama bulan.

Budket 1-5 Bulan Disbursement Ao Lending

Tertagih 98%
Mengalir 2%
40 Disburse 100%
Tertagih 98%
Mengalir 2%
Lancar 70 Disburse 100%
Tertagih 98%
Mengalir 2%
100 Disburse 100%
Tertagih 98%
Mengalir 2%

B.     KPI AO Komersial Loan

Key performance Indicator (KPI) merupakan indicator – indicator target percapaian kinerja team Ao Lending berdasa
Simulasi kemampuan disburse,(New Disbursement Quality) NDQ 1=100% Selama bulan.

Budket 1 Bulan Disbursement Ao Lending

Tertagih 100%
Mengalir 0%
Lancar
Tertagih 100%
Mengalir 0%

C.     KPI AO Payday Loan

Key performance Indicator (KPI) merupakan indicator – indicator target percapaian kinerja team Ao Lending berdasa
Simulasi kemampuan disburse, (New Disbursement Quality) NDQ 1,2,3=98% Selama bulan.

Budket 1 Bulan Disbursement Ao Lending

Tertagih 98%
Mengalir 2%
40 Disburse 100%
Tertagih 98%
Mengalir 2%
Lancar 70 Disburse 100%
Tertagih 98%
Mengalir 2%
100 Disburse 100%
Tertagih 98%
 Mengalir 2%

PERHITUNGAN INSENTIF AO LENDING

1.      Total Insentif yang diberikan terdiri dari :
o   Insentif Dasar
Insentif dasar adalah Nominal yang diberikan saat awal atas dasar besaran Disbursement Borrower.
2.      Skema Insentif.

KRITERIA DISBURSEMENT TARIF INSENTIF PER APLIKASI KATEGORI INSENTIF

> 3.8M - - 25%
4M - - 50%
5M - - 75%
6.5M - - 100%

Perhitungan Achivement Disbursement.

Kualitas Disbursement Flow 1 – 30 Maksimal 2% dari Disbursement.
Insentif yang dibayarkan Belum dipotong PPN Pajak.
Personal Loan untuk Insentif akan dibayarkan setelah Realisasi Borrower Payment di bulan Berikutnya >98% sesuai N
Payday Loan untuk Insentif akan dibayarkan setelah Realisasi Borrower Payment di bulan Berikutnya 100% sesuai Ne
Komersial untuk Insentif akan dibayarkan setelah Realisasi Borrower Payment di bulan Berikutnya 100% sesuai New
rja team Ao Lending berdasarkan produktifitas kerja.

rja team Ao Lending berdasarkan produktifitas kerja.

rja team Ao Lending berdasarkan produktifitas kerja.

nt Borrower.

an Berikutnya >98% sesuai New Disburse Quality (NDQ 1,2,3).

n Berikutnya 100% sesuai New Disburse Quality (NDQ 1).
Berikutnya 100% sesuai New Disburse Quality (NDQ 1).