OCCURRENCE ESCALATION DEPARTMENT

No CASE ID ENTITY CODE

DATE DATE (POS/SA)

16 57561616 3/9/2023 3/21/2023 SA 2111293352

61 57583086 3/19/2023 3/27/2023 POS 0047902XP

63 57583088 3/20/2023 3/30/2023 SA 2212231700

102 57595644 3/26/2023 3/30/2023 SA 2212231700

 NUMBER OF SIGNED
ENTITY NAME STATUS JOIN DATE
APPLICATION CONTRACTS

Tasya Ramzani Active 11/28/2021 40 28

Hana Phone Active 11/10/2016 23 15

Zahrotun Nisa Active 12/22/2022 19 13

Zahrotun Nisa Active 12/22/2022 19 13

TOTAL LOAN TRIGGER
MS_CASE_ID SCENARIO
AMOUNT SOURCE

124,142,900 Ad_Hoc Violation of SOP or CoC

184,600,000 MS 452043 Improper document (UDJ)

95,250,000 MS 452108 Asking SA to complete missing/unknown information

95,250,000 Negative_info_other_dept
 TEXT_CONTRACT L6M_SANCTIONS PROPOSED
DSM NAME
NUMBER (New to Old) SANCTION DATE

4300424068 | Hanna Pratiwi 3/29/2023

Soft violation - Rep Nopianti Nopianti 3/30/2023

sing/unknown information | Ahmad Zakaria 3/30/2023

4300523879 | Ahmad Zakaria 3/30/2023

 PROPOSED
SANCTION
Warning_Letter_1/Notice_Letter_2
Hard violation - WL to POS
Warning_Letter_1/Notice_Letter_2
Termination
CASE DETAILS
1. Finding from Adhoc investigation
2. Based Investigation client genuine applied in HCI
but primary phone number belong to client’s
spouse
3. Based on interview, SA Tasya Ramzani admitted
that negligent in not ensuring to client about
client’s primary mobile phone
1. MS using scenario "Improper Document"
2. MS comes to POS with limit for apply application
3. MS not give the original KTP to RA ALDI
4. RA ALDI allow and continue process the
application until finish
1. MS Using Scenario "Asking SA/RA to complete
missing/unknown information"
2. SA ask alt family number to MS and MS didn't
have family number
3. MS ask SA to help for alternate number
4. SA input another phone number as MS family
number
Document Totally Blur - Photo client on E-KTP canno
 FINAL
VIOLATION TYPE FINAL SANCTION
SANCTION DATE

SA negligent to check Client’s pri 4/3/2023 Warning_Letter_1/Notice_Letter_2

Violation Type : Process Client wit 4/3/2023 Hard violation - WL to POS

Violation Type : Help to complete 4/3/2023 Warning_Letter_1/Notice_Letter_2

Violation Type : DOCUMENT VERIF 4/3/2023 Termination

 POS POS
QA REMARKS
NAME TYPE

Toko Cahaya Baru Electronik Standard

RA code : RA1706220137 | RA nameHana

: Phone NonKA | ALDI
 POS POS
CODE REGION

004790ZBK South Tangerang

0047902XP South Tangerang

0047907Y0 South Tangerang

South Tangerang
NO Visit Date Calibration Date DM Date TYPE
1 17-Mar-23 30-Mar-23 3-Apr-23 New POS/NKAC-NON ALDI
2 17-Mar-23 30-Mar-23 3-Apr-23 Adding New Commodity/NKAC
3 30-Mar-23 3-Apr-23 New POS/NKAC-ALDI

4 30-Mar-23 3-Apr-23 New POS/NKAC-NON ALDI

5 20-Mar-23 30-Mar-23 3-Apr-23 New POS/NKAC-NON ALDI

6 20-Mar-23 30-Mar-23 3-Apr-23 POS Exhibition/NKAC

7 20-Mar-23 30-Mar-23 3-Apr-23 POS Exhibition/NKAC

8 30-Mar-23 3-Apr-23 New POS/NKAC-ALDI

9 24-Mar-23 30-Mar-23 3-Apr-23 New POS/SPC/NKAC-ALDI

_x000D_ This item's classification is Internal. It was created by and is in property of the Home Credit Group. Do not distribute outside of the organization.
#
 POS NAME POS CODE CITY REGION
Bintan Furniture 004791AJX Bintan Batam
New Store 2 0047917YG Tangerang Jabodetabek
PIA STORE Serang Jabodetabek

WANDI CELL Palembang Palembang

Planet Bike Kisaran 004791AUR Asahan Medan

Exhibition Vinix Furniture Mall
004791AV3 Medan Medan
centre point medan
Nayla Jaya Meubel City Mall
004791AV2 Bontang Samarinda
Exhibition

YAN TEDY TEHNIK Palangka Raya Banjarmasin

Istana Jaya Electronic 004790Y1O Tangerang Jabodetabek

_x000D_ This item's classification is Internal. It was created by and is in property of the Home Credit Group. Do not distribute outside of the organization.
#
 Remarks DM Name
Different name of the POS between signboard Name "Bintan Furniture &
Yohanes Edi Yanto
Electronic" and Document submissions (anex) "Bintan Furniture"
Commodity not available on display Anton Alfian Aradongan
Based on photo attached, commodity not available on the display only empty
Deden Umarela
box and HP accessories
Previoustly POS was closed on DM due to DP Manipulation and this POS
Partner also had also been rejected Kurdi Cell (004790TIR), Based on
information from neighbors Kurdi Cell often changed their names before is Ayu Wulandari
from Wandi Cell, Kawan Kita Cell and now Kurdi Cell which has only been
open for 1 week
POS open less 3 month Joel Raja Guk Guk
Exhibition has started but at exhibition location there no banner or signboard Rizky Suhendra

Exhibition has started but at exhibition location there no banner or signboard Putra Bramantya Saktie

Based on photo attached, location of the submission is not a shop /

Lucky Deli Saputra
shophouse but a private house
Reject by matrix : 3 times owner did not joint during video call Kurniawan

_x000D_ This item's classification is Internal. It was created by and is in property of the Home Credit Group. Do not distribute outside of the organization.
#
 AF Review DM Result
Change signboard according with Change signboard according with
document submitted document submitted
Ok to reject for adding commodity Ok to reject for adding commodity
Ok to reject Ok to reject

Ok to reject Ok to reject

Resubmit after 3 month Resubmit after 3 month

Ok to reject Ok to reject

Ok to reject Ok to reject

Ok to reject Ok to reject
Closed POS Closed POS

_x000D_ This item's classification is Internal. It was created by and is in property of the Home Credit Group. Do not distribute outside of the organization.
#