Printed by : SANDRESS GJ SIAHAAN

Print Date : 26/11/2022,03:19:13 Strictly Confidential - Internal Use Only

CREDIT MEMO SIAP DANA

Date Apps / App
Branch : DEPOK Customer No : 0046C20170903183 : 14/11/2022,04:17:49 / RVC
Step
Main Supplier : Siap Dana - DEPOK Application No : 0046APP20221100101 New/AO/RO : AO
CUSTOMER NAME CREDIT CONDITION
Customer Name : FITRIANTY CHUZAIMAH SH MKN PROPOSE STANDARD DEVIATION
Profession Name : IBU RUMAH TANGGA Asset Price : 326,300,000.00 0.00 0.00 %
Company Name : IBU RUMAH TANGGA Down Payment Gross/DP (%) : 39,912,647.00 / 12.23 %
Industry Type Name : Tenor : 48
Job Address : First Installment Type : ADVANCE
Installment Amount : 8,626,000.00
ASSET DATA Way of Payment : Auto Debit Mandiri
Asset Owner : NOVIA NABILAH ZULFIANTY Rekening Pencairan : ZULKARNAIN
Owner Relationship : CHILD Effective Rate (%) : 17.87 %
Asset Name : TOYOTA INNOVA 2.4 DIESEL Flat Rate (%) : 9.65 %
Type Model : GUN 42 V A/T Admin Fee + Fidusia Fee : 1,750,000.00
Number of Asset : 1 NTF : 298,711,443.00
Asset Condition : USED Product Offering Name : TAF SiapDana Platinum Passenger - Multiguna
Manufacturing Year : 2017 Insurance Cover : YES
Asset Usage : Pribadi Insurance Payment Type : ONLOAN
STATUS AR Insurance Capitalized : 4,134,400.00
Unit AR TACP : YES
New : 1 414,048,000.00 Provisi Amount : 0.00
AO : 1 177,957,000.00 Tujuan Penggunaan Dana : Renovasi Rumah
Total : 2 592,005,000.00 Additional Fee (BBN/STNK) : Perpanjangan Pajak STNK
Override (Y/N) : Yes
Disbursement Amount : Rp125,500,000 ke bank Mandiri
Sales Person Name : CSO - Wina Listriana
Insurance Coverage Type : TLO
APPROVAL HISTORY
CREDIT SCORING : SILVER 1 FINAL
Latar Belakang Debitur Faktor - Faktor Pendukung Faktor - Faktor Tidak / Kurang Mendukung
0046C20170903183 ---SURVEY RUMAH--- ---DOCUMENT---
FITRIANTY CHUZAIMAH SH MKN + DOMISILI DI PERUM PERMATA DEPOK SEKTOR JAMRUD BLOK Rekening Tabungan: Tidak Ada
R PRAPAT,20/09/1976 C4/6, RT 002, RW 007, PBB: Tidak Ada
3276076009760004 PONDOK JAYA, CIPAYUNG, DEPOK,16438// RUMAH MILIK SENDIRI, Akta Nikah: Tidak Ada
LAMA TINGGAL LENIH Akta Cerai: Tidak Ada
0046C20170903184 10TH - MAX OVD 46HR
IR ZULKARNAIN - DUKCAPIL SPOUSE DITEMUKAN, BERBEDA
R PRAPAT,14/12/1969 DENGAN KTP, INPUT KTP SPOUSE TIDAK SESUAI
3276071412690003 ---SURVEY OFFICE--- DI CONFINS
+ SPOISE BEKERJA DI PT SMART TBK (SINAR MAS AGRO - SPOUSE BEKERJA DI KALIMANTAN
Admin Fee Amount 1,271,000.00 RESOURCES & TECHNOLOGY) KANTOR
Provision Amount 0.00 PERWAKILAN JL NEGARA KM 46 DESA TUMBANG TALAKAN, RT ---CAPACITY---
000, RW 000, TUMBANG Installment Amount: 8.626.000
HISTORI TAF TALAKEN, MANUHING, GUNUNG MAS, 74562// YBS SAAT INI Sumber Pendapatan: Gaji
> 1710156208; TOYOTA INNOVA2.4 DIESEL GUN 42 V A/T PENUGASAN DI KALIMANTAN. Status: Married
10L;14,762,000.00 (CLOSE16/09/2019) ANGSURAN 24/36 OVD MASA KERJA YBS DI SINARMAS >10 THN Tanggungan: >2 Orang
6X MAX OVD 46HR IR: -308%
>2161601853;TOYOTA INNOVA2.4 DIESEL GUN 42 V A/T;INST
6,591,000.00; (OPEN;27/02/2021-27/01/2025) ANGSURAN 21/48 ---DOCUMENT---
OVD 1X MAX OVD 16HR KTP: Ada ---HISTORY/REPUTASI---
KK: Ada Deviasi: Deviasi
SIAP DANA UNIT TOYOTA INNOVA2.4 DIESEL GUN 42 V A/T; NPWP: Ada Tipe Deviasi: CMH
VINCODE 2017 Installment Saat Ini: 8.626.000

PERBANDINGAN INSTALMENT SAAT INI DENGAN ---HISTORY/REPUTASI--- PEFINDO GRADE C2

SEBELUMNYA 1.3X Government Negative List?: No Employer Name NA
Worst Past Due Amount IDR 14,740,069.00
---CREDIT STRUCTURE--- Worst No. of Due Days 46 DI TAF
DP System: 12.231887%
Tenor: 48 IM DEVIASI SIAP DANA TENOR >3TH
First Installment: ADDM
Ex Nomor Kontrak: 1710156208
Model: INNOVA 2.4 DIESEL
OTR System: 326.300.000
Nominal DP: 39.912.647,280999996
OTR Local Price: 320.000.000
Upping OTR: 1.97%--------------> + PERPANJANGAN PAJAK STNK
DP Nett: 10.5%
DP Net: 33.612.647,281
Vincode: 2017
WOP: Auto Debet
Insurance Payment: On Loan
Insurance: TLO
BPKB Atas Nama: Anggota Keluarga 1 KK

---SURVEY RUMAH---
Is House Negative Info: Yes

---SURVEY OFFICE---
Is Job Negative Info: Yes

---DOCUMENT---
Verifikasi Dukcapil: Dukcapil ditemukan dan Sesuai

---HISTORY/REPUTASI---
Grade Pefindo: C2
Max Overdue: 31-60
Tren: No Change
APPI: No
Syarat Valid:-

PEFINDO GRADE C2
Employer Name NA
Worst Past Due Amount IDR 14,740,069.00
Worst No. of Due Days 46 DI TAF

IM DEVIASI SIAP DANA TENOR >3TH

Syarat - Syarat CA Calculation Notes SO dan CDE

LAMPIRKAN KTP SPOUSE UPDATE 10/IR130/00 LAMPIRKAN KTP SPOUSE UPDATE

Policy Deviation Reason Manual Deviation

, DP < 20% , DP < 20%
 NOTES APPROVAL HISTORY LIST
Node Approvedby Result End Date Notes
Pastikan MRP sesuai, Lampirkan ktp spouse, lampirkan note ar terkait
CREDIT ANALYST DOA2996 Return 11/16/2022 10:46:39 AM
ovd 46hr di kontrak sebelumnya.
CREDIT ANALYST DOA2996 Return 11/18/2022 8:29:22 AM Lampirkan KTP terbaru spouse (NIK tidak ditemukan di dukcapil, trims
CREDIT ANALYST DOA2996 RejectFinal 11/21/2022 4:39:29 PM NOT RECOMMENDED, HISTORI TAF MAX OVD 46 HR
Not recommended ; history taf maks ovd 46 hari, angsuran saat ini
Exp Credit Analyst 2 RBA1808 RejectFinal 11/22/2022 8:38:17 AM 1,31x angsuran sebelumnya

Pengajuan unit TOYOTA INNOVA2.4 DIESEL GUN 42 V A/T unit

tahun 2017, tenor 4 tahun, DP 12,23%, disbursement Rp125,500,000
Cicilan Rp 8,626,000/bulan.
Positif field survey ke alamat PERUM PERMATA DEPOK SEKTOR
JAMRUD BLOK C4/6, RT 002, RW 007, PONDOK JAYA, CIPAYUNG,
DEPOK, 16438, rumah milik sendiri. Survey tele pekerjaan positif PT
SMART TBK (SINAR MAS AGRO RESOURCES & TECHNOLOGY)
KANTOR PERWAKILAN JL NEGARA KM 46 DESA TUMBANG
TALAKAN, RT 000, RW 000, TUMBANG TALAKEN, MANUHING,
GUNUNG MAS, 74562. penempatan Kalimantan, sudah bekerja > 10
Sales Head DSD1230 - 11/23/2022 10:27:15 AM tahun. Estimasi pendapatan customer kurang lebih
Rp50,000,000/bulan.
Kontrak lama di TAF
- 1710156208; EXP ; PAKET RINGAN JAWA BALI SUMATERA2017 ;
Inst. 14,762,000.00. ovd 6x, max ovd 46 days. ;
- 2161601853; LIV 21/48 ;TAF SiapDana Platinum Passenger ;
Inst.6,591,000.00. ovd 1x, max ovd 16 days.
Terlampir note rekomendasi dari AR, unit dan alamat masih valid.
Pefindo grade C2, APPI clear, scoring Silver 1 Final, WOP Wajib auto
debt bank Mandiri.

Branch Head SGS2221 - 11/23/2022 10:27:15 AM -

Sales Area Head DAI0871 Approve 11/23/2022 10:27:15 AM ok, open contract good history
Credit Area Head TIT0675 ApproveFinal 11/23/2022 12:56:18 PM Override
Credit Division Head EBS1768 ApproveFinal 11/23/2022 1:29:58 PM OVERRIDE

AGREEMENT LISTING
Freq Freq
Agreement Customer Installment Ang Problem Day Max Contract
Application No Asset Name OSAR Tenor Ovd Ovd WOP
No Name Amount ke - Type Ovd Ovd Status
(>30) (>60)
FITRIANTY TOYOTA P09:BAD
0046APP20170900168 1710156208 CHUZAIMAH INNOVA 2.4 14,762,000.00 0.00 999 24 CHARACTE 0 46 1 0 ADMAN EXP
SH MKN DIESEL R
FITRIANTY TOYOTA
177,957,000.0
0046APP20210200033 2161601853 CHUZAIMAH INNOVA 2.4 6,591,000.00 22 48 - 0 16 0 0 ADMAN LIV
0
SH MKN DIESEL

APPLICATION IN PROCESS
Product Offering Installment
Application No Customer Name Asset Name OSAR Tenor DP WOP Application Step
Name Amount
PAKET RINGAN
FITRIANTY TOYOTA INNOVA
0046APP20170900168_1 JAWA BALI 14,972,000.00 324,594,747.00 24 83,504,403.00 ADMAN CPY
CHUZAIMAH SH MKN 2.4 DIESEL
SUMATERA 2017
TAF SiapDana
FITRIANTY TOYOTA INNOVA
0046APP20210200033_1 Platinum 7,928,000.00 218,771,730.00 36 112,514,000.00 ADMAN CPY
CHUZAIMAH SH MKN 2.4 DIESEL
Passenger
TAF SiapDana
FITRIANTY TOYOTA INNOVA
0046APP20210200033_1 Platinum 7,928,000.00 218,771,730.00 36 112,514,000.00 ADMAN CPY
CHUZAIMAH SH MKN 2.4 DIESEL
Passenger

DESCRIPTION BRANCH
Terkait syarat valid LAMPIRKAN KTP SPOUSE UPDATE, terlampir KTP spouse yang terdaftar di dukcapil yaitu dengan NIK 6207041412690001 dan alamat DERANGGA, HANAU, SERUYAN,
KALIMANTAN dan di confins sudah diubah sesuai dengan yang terdaftar di dukcapil. Terima kasih

PERSETUJUAN KELAYAKAN KREDIT

DONA FITRI ANI

_________________ RININTA BEAUTY AVIANA
_________________ TENGKU IKA TIARA CHRISDI
_________________ ERI WIBOWO SURYAPRAJA
_________________
Credit Analyst Exp Credit Analyst 2 Credit Area Head Credit Division Head