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Rahasia Product KKB November 2023-2
Rahasia Product KKB November 2023-2
Rahasia Product KKB November 2023-2
Peringatan :
Segala informasi pada modul ini bersifat rahasia dan terbatas untuk digunakan oleh
internal karyawan PT Mandiri Tunas Finance.
Segala bentuk upaya membocorkan informasi ini ke pihak eksternal tanpa
sepengetahuan
PT Mandiri Tunas Finance akan dianggap sebagai bentuk pelanggaran dan akan
diproses sesuai aturan yang berlaku.
FOR INTERNAL
USE ONLY
Summary
Produk KKB TYPE
PASSENGER
JENIS CUSTOMER
PERORANGAN
PRODUK KKB
JF & NJF
FOR INTERNAL
USE ONLY
Summary Kriteria JF
Kriteria JF
1. Pembiayaan New Car : Passenger (Non Produktif, Include Mobil listrik)
4. Limit Kredit Mandiri KKB New Car : Maks limit kredit per unit : Rp 3 M
Kriteria JF
- HONDA - CHRYSLER - AUDI - MINI COOPER
- MITSUBISHI - DATSUN - PORSCHE - VOLVO
- DAIHATSU - DODGE - VW - NISSAN
- SUZUKI - FERRARI - ISUZU - HYUNDAI
- MERCEDEZ BENZ - INFINITY - MASERATI - LAND ROVER
- BMW - JEEP - MAZDA - KIA
- LEXUS - WULING - MORRIS GARAGE
FOR INTERNAL
USE ONLY
No. Kriteria Keterangan
12. Sektor Industri yang Tidak 1. Sektor industri Hotel di Provinsi Bali
Kriteria JF
Dapat Dibiayai JF 2. Sektor jasa transportasi publik udara (termasuk jasa penunjang)
3. Perusahaan JD.ID (PT Jingdong Indonesia Pertama dan PT Ritel Bersama Nasional).
4. PT Waskita Karya Tbk. beserta anak perusahaannya, yaitu :
a. PT WASKITA KARYA
b. PT WASKITA TOLL ROAD
c. PT WASKITA BETON PRECAST
d. PT WASKITA KARYA REALITY
e. PT WASKITA KARYA INFRASTRUKTUR
f. PT WASKITA SANGIR ENERGI
g. PT WASKITA WADO ENERGI
h. PT CIMANGGIS CIBITUNG TOLLWAYS
i. PT TRANS JABAR TOL
j. PT PEMALANG BATANG TOLL ROAD
k. PT WASKITA SRIWIJAYA TOL
l. PT WASKITA BUMI WIRA
m. PT CIBITUNG TANJONG PRIOK PORT TOLLWAYS
n. PT TOL TELUK BALIKPAPAN
o. PT WASKITA FIM PERKASA REALTI
p. PT WASKITA MODERN REALTY
FOR INTERNAL
USE ONLY
Produk Passenger
JF PREMIUM JF REGULER NJF
Tenor
EFFEKTIF FLAT ADDM FLAT ADDB EFFEKTIF FLAT ADDM FLAT ADDB EFFEKTIF FLAT ADDM FLAT ADDB
Perorangan Reguler, Fix Income, Wiraswasta,
Type Cust Perorangan : Priotas & Private dan Business Case Badan Usaha dan Perorangan
& Karyawan BMRI
1 4,34% 2,00% 2,37% 4,34% 2,00% 2,37% 7,58% 3,50% 4,15%
2 5,71% 2,78% 3,03% 5,71% 2,78% 3,03% 8,07% 3,95% 4,31%
FOR INTERNAL
USE ONLY
Offering Produk Passenger
Prioritas & Private Mandiri Click
Description Description2 Description Description2
NCP KKB PREMIUM (JF) DP10_1th - ADDM NCP KKB MANDIRI CLICK (JF) DP0_1th - ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM NEW CAR PASSENGER KKB NON REWARD JF - ADDM
NCP KKB PREMIUM (JF) DP10_2th - ADDM NCP KKB MANDIRI CLICK (JF) DP0_2th - ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM NEW CAR PASSENGER KKB NON REWARD JF - ADDM
NCP KKB PREMIUM (JF) DP10_3th - ADDM NCP KKB MANDIRI CLICK (JF) DP0_3th - ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM NEW CAR PASSENGER KKB NON REWARD JF - ADDM
NCP KKB PREMIUM (JF) DP10_4th - ADDM NCP KKB MANDIRI CLICK (JF) DP0_4th - ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM NEW CAR PASSENGER KKB NON REWARD JF - ADDM
NCP KKB PREMIUM (JF) DP10_5th - ADDM NCP KKB MANDIRI CLICK (JF) DP0_5th - ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM NEW CAR PASSENGER KKB NON REWARD JF - ADDM
NCP KKB PREMIUM (JF) DP10_1th - ADDB NCP KKB MANDIRI CLICK (JF) DP0_1th - ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB NEW CAR PASSENGER KKB NON REWARD JF - ADDB
NCP KKB PREMIUM (JF) DP10_2th - ADDB NCP KKB MANDIRI CLICK (JF) DP0_2th - ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB NEW CAR PASSENGER KKB NON REWARD JF - ADDB
NCP KKB PREMIUM (JF) DP10_3th - ADDB NCP KKB MANDIRI CLICK (JF) DP0_3th - ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB NEW CAR PASSENGER KKB NON REWARD JF - ADDB
NCP KKB PREMIUM (JF) DP10_4th - ADDB NCP KKB MANDIRI CLICK (JF) DP0_4th - ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB NEW CAR PASSENGER KKB NON REWARD JF - ADDB
NCP KKB PREMIUM (JF) DP10_5th - ADDB NCP KKB MANDIRI CLICK (JF) DP0_5th - ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB NEW CAR PASSENGER KKB NON REWARD JF - ADDB
FOR INTERNAL
USE ONLY
Offering Produk Passenger
JF Reguler NJF
Description Description2 Description Description2
NCP KKB REGULER (JF) DP10_1th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP KKB REG (NJF) DP15_1th – ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM
NCP KKB REGULER (JF) DP10_2th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP KKB REG (NJF) DP15_2th – ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM
NCP KKB REGULER (JF) DP10_3th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP KKB REG (NJF) DP15_3th – ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM
NCP KKB REGULER (JF) DP10_4th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP KKB REG (NJF) DP15_4th – ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM
NCP KKB REGULER (JF) DP10_5th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP KKB REG (NJF) DP15_5th – ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDM
NCP KKB REGULER (JF) DP10_1th - ADDB NEW CAR PASSENGER KKB REWARD - ADDM NCP KKB REG (NJF) DP15_6th - ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDB
NCP KKB REGULER (JF) DP10_2th - ADDB NEW CAR PASSENGER KKB REWARD - ADDM NCP KKB REG (NJF) DP15_7th - ADDM
NEW CAR PASSENGER KKB REWARD JF - ADDB
NCP KKB REGULER (JF) DP10_3th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP KKB REG (NJF) DP15_1th – ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB
NCP KKB REGULER (JF) DP10_4th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP KKB REG (NJF) DP15_2th – ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB
NCP KKB REGULER (JF) DP10_5th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP KKB REG (NJF) DP15_3th – ADDB
NEW CAR PASSENGER KKB REWARD JF - ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP KKB REG (NJF) DP15_4th – ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP KKB REG (NJF) DP15_5th – ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP KKB REG (NJF) DP15_6th - ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP KKB REG (NJF) DP15_7th - ADDB
FOR INTERNAL
USE ONLY
BADAN USAHA PASSENGER UNTUK
PRIORITAS, SME, CORPORATE BANKING & BUSINESS CASE
LTV EFFEKTIF FLAT ADDM FLAT ADDB JF/NJF
TENOR
Type Cust Badan Usaha
1 80% 6.00% 2.77% 3.28% NJF
2 80% 6.83% 3.33% 3.63% NJF
3 80% 6.02% 3.00% 3.18% NJF
4 80% 7.02% 3.58% 3.75% NJF
5 80% 9.14% 4.80% 4.99% NJF
Setting Estar :
Admin Khusus Nasabah Prioritas Rp850.000
Khusus Nasabah SME & Corporate Banking Rp2.800.000
All Brand termasuk mobil listrik dan brand BBG kecuali TATA dan Mahindra dengan usia kendaraan
Brand saat dibiayai maksimal 1 tahun.
(Year minus one – diukur berdasarkan tahun awal pembiayaan dikurangi tahun vincode kendaraan)
Asuransi 2 tahun pertama All Risk Cash
Syarat Khusus SME & Corporate Banking : melampirkan CES atau NAK
Tambahan FOR INTERNAL
USE ONLY
Offering Fight Badan Usaha Passenger
Prioritas & Private SME
Description Description2 Description Description2
NEW CAR PASSENGER KKB REWARD - ADDM NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_1th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP SME REGULER B.USAHA (NJF) DP20_1th - ADDM
NEW CAR PASSENGER KKB REWARD - ADDM NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_2th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP SME REGULER B.USAHA (NJF) DP20_2th - ADDM
NEW CAR PASSENGER KKB REWARD - ADDM NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_3th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP SME REGULER B.USAHA (NJF) DP20_3th - ADDM
NEW CAR PASSENGER KKB REWARD - ADDM NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_4th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP SME REGULER B.USAHA (NJF) DP20_4th - ADDM
NEW CAR PASSENGER KKB REWARD - ADDM NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_5th - ADDM NEW CAR PASSENGER KKB REWARD - ADDM NCP SME REGULER B.USAHA (NJF) DP20_5th - ADDM
NEW CAR PASSENGER KKB REWARD - ADDB NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_1th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP SME REGULER B.USAHA (NJF) DP20_1th - ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_2th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP SME REGULER B.USAHA (NJF) DP20_2th - ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_3th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP SME REGULER B.USAHA (NJF) DP20_3th - ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_4th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP SME REGULER B.USAHA (NJF) DP20_4th - ADDB
NEW CAR PASSENGER KKB REWARD - ADDB NCP SPECIAL PREMIUM KKB FIGHT B.USAHA (NJF) DP20_5th - ADDB NEW CAR PASSENGER KKB REWARD - ADDB NCP SME REGULER B.USAHA (NJF) DP20_5th - ADDB
FOR INTERNAL
USE ONLY
PRODUK KREDIT TANPA
ANGSURAN
Produk Kredit
Tanpa
Angsuran Rate & Tenor Sumber Budget Budget Refund Dealer
DP50%
Eff 0% Upping Rate -
ADDB 0% Upping Provisi 2%
Asuransi Wajib All Risk 2 tahun Upping Admin Rp 2.500.000 ,-
Admin Rp 3.500.000
OTR < 300 Jt 2,25%
Komisi Asuransi 5%
Tier Provisi
OTR < 500 Jt 3,00%
(Cash)
OTR ≤ 800 Jt 3,50%
PRODUK KREDIT TANPA
ANGSURAN
Step 1:
Akses Credit Calculation dan Sesuaikan
dengan identitas Customer
Advance / ADDM
Arrear / ADDB
Step 2:
NC PASSENGER TEMATIK - ADDB 1. Input Kepala Product: NC PASSENGER
TEMATIK – ADDB
Step 4:
Input Angsuran senilai dengan:
50% x OTR / 12
Penyesuaian Manual pada Kontrak Customer (Produk 50:50) oleh CDR dan MD
19.583.333
235.000.000
2,00%
• Provisi 0%
• Bunga mulai 2,00% tenor 1 tahun*
*T&C applied
Pilih tipe kendaraan Pilih varian Masukan data Pilih domisili sesuai
kendaraan pengajuan cabang MTF
Pengajuan Kredit
5 6 Proses Final Internal MTF
Customer menerima
notifikasi
Internal MTF
menerima notifikasi
MTF mengirimkan PO ke
dealer terdekat domisili Data customer diproses dan MTF melakukan survey
melewati tahap scoring. customer.
customer.
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP10_1th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP15_1th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP10_2th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP15_2th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP10_3th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP15_3th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP10_4th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP15_4th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP10_5th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP15_5th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP10_1th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP15_1th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP10_2th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP15_2th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP10_3th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP15_3th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP10_4th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP15_4th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP10_5th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP15_5th - ADDB
FOR INTERNAL
USE ONLY
Offering Produk Pick Up
DP 20 DP 25
Description Description2 Description Description2
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP20_1th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP25_1th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP20_2th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP25_2th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP20_3th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP25_3th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP20_4th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP25_4th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP20_5th - ADDM NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDM NC PICK UP KKB REG DP25_5th - ADDM
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP20_1th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP25_1th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP20_2th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP25_2th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP20_3th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP25_3th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP20_4th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP25_4th - ADDB
NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP20_5th - ADDB NC COMMERCIAL PICK UP CAPTIVE REWARD - ADDB NC PICK UP KKB REG DP25_5th - ADDB
FOR INTERNAL
USE ONLY
Produk Truck & Bus/Microbus
Tenor
Type 5
Truck Customer JF/NJF Rate 1 2 3 4
(Khusus Hino)
Perorangan LTV 85% 85% 85% 85% 85%
dan Eff 15.40% 15.22% 15.11% 16.00% 16.65%
LTV 85%
Badan ADDM 7.16% 7.58% 7.81% 8.56% 9.19%
Usaha ADDB 8.54% 8.32% 8.33% 9.01% 9.60%
LTV 80% 80% 80% 80% 80%
Perorangan
Eff 14.10% 13.96% 13.90% 13.84% 14.59%
LTV 80% dan Badan
NJF ADDM 6.56% 6.93% 7.15% 7.32% 7.95%
Usaha
ADDB 7.81% 7.60% 7.62% 7.70% 8.29%
Perorangan LTV 70% 70% 70% 70% 70%
dan Eff 11.44% 11.75% 12.13% 12.38% 12.47%
LTV 70%
Badan ADDM 5.30% 5.80% 6.20% 6.50% 6.70%
Usaha ADDB 6.31% 6.35% 6.60% 6.83% 6.98%
Brand All Brand
Asuransi Minimal TLO (Cash/Onloan)
Admin Setting Estar Rp3.500.000
FOR INTERNAL
USE ONLY
Offering Produk Truck/Bus/Microbus
DP 15 DP 20
Description Description2 Description Description2
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP15_1th - ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP20_1th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP15_2th - ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP20_2th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP15_3th - ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP20_3th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP15_4th - ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP20_4th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP15_1th - ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP20_1th - ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP15_2th - ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP20_2th - ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP15_3th - ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP20_3th - ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP15_4th - ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP20_4th - ADDB
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_1th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
– ADDM ADDM – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP20_1th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_2th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
– ADDM ADDM – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP20_2th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_3th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
– ADDM ADDM – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP20_3th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_4th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
– ADDM ADDM – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP20_4th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_1th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
– ADDB ADDB – ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP20_1th - ADDB
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_2th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
– ADDB ADDB – ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP20_2th - ADDB
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_3th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
– ADDB ADDB – ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP20_3th - ADDB
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD NC TRUCK CHASSIS+KAROSERI KKB REG DP15_4th - NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD
- ADDB ADDB - ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP20_4th - ADDB
FOR INTERNAL
USE ONLY
Offering Produk Truck/Bus/Microbus
DP 30
Description Description2
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP30_1th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP30_2th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP30_3th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD – ADDM NC TRUCK CHASSIS+KAROSERI KKB REG DP30_4th - ADDM
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD – ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP30_1th - ADDB
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD – ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP30_2th - ADDB
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD – ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP30_3th - ADDB
NC COMMERCIAL TRUCK CHASSIS+KAROSERI CAPTIVE REWARD - ADDB NC TRUCK CHASSIS+KAROSERI KKB REG DP30_4th - ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP30_1th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP30_2th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP30_3th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NC TRUCK CHASSIS KKB REG DP30_4th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP30_1th - ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP30_2th - ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP30_3th - ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NC TRUCK CHASSIS KKB REG DP30_4th - ADDB
FOR INTERNAL
USE ONLY
SPECIAL TRUCK AKHIR TAHUN
FOR INTERNAL
USE ONLY
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_1th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_2th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_3th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_4th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_5th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_1th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_2th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_3th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_4th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS EXCLUSIVE KKB DP15_5th - ADDB
FOR INTERNAL
USE ONLY
SPECIAL TRUCK AKHIR TAHUN
FOR INTERNAL
USE ONLY
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS TAKE OVER KKB DP15_1th - ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS TAKE OVER KKB DP15_2th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS TAKE OVER KKB DP15_3th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS TAKE OVER KKB DP15_4th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS TAKE OVER KKB DP15_5th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS TAKE OVER KKB DP15_1th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS TAKE OVER KKB DP15_2th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS TAKE OVER KKB DP15_3th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS TAKE OVER KKB DP15_4th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS TAKE OVER KKB DP15_5th - ADDB
FOR INTERNAL
USE ONLY
SPECIAL TRUCK AKHIR TAHUN
FOR INTERNAL
USE ONLY
Maksimal Refund
Sumber Budget Budget Refund Dealer
Asuransi 15%
Bunga Tidak ada
Admin Rp2.500.000
Provisi 2% FOR INTERNAL
USE ONLY
Offering Truck Special Segmen Hino
DP 20% DP 25%
Description Description2 Description Description2
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP20_1th – ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP25_1th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP20_2th – ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP25_2th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP20_3th – ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP25_3th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP20_4th – ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP25_4th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP20_5th – ADDM NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP25_5th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP20_1th – ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP25_1th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP20_2th – ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP25_2th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP20_3th – ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP25_3th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP20_4th – ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP25_4th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP20_5th - ADDB NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP25_5th - ADDB
DP 30%
Description Description2
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP30_1th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP30_2th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP30_3th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP30_4th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDM NCC TRUCK CHASSIS HINO KKB DP30_5th – ADDM
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP30_1th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP30_2th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP30_3th – ADDB
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP30_4th – ADDB FOR INTERNAL
USE ONLY
NC COMMERCIAL TRUCK CHASSIS CAPTIVE REWARD - ADDB NCC TRUCK CHASSIS HINO KKB DP30_5th - ADDB
List Cabang Berlaku Truck Akhir Tahun
FOR INTERNAL
USE ONLY
Region Cabang
Area 1 Batam, Tanjung Pinang, Medan, Rantau Prapat
Area 3 Bintaro, Kebon Jeruk, BSD, Rangkas Bitung, Pluit, Serang, Kemayoran, Kelapa Gading, Cilegon, Tanjung Duren
Area 4 Bogor, Cibubur, Duren Tiga Captive, Bekasi, Duren Tiga, Lebak Bulus, Matraman, Cikarang, Cibinong, Fatmawati
Area 5 Sukabumi, Bandung 1, Cirebon, Garut, Tasikmalaya, Karawang
Area 6 Pekalongan, Semarang, Solo, Kudus, Tegal
Area 7 Gianyar, Kupang, Mojokerto, Madiun, Gresik, Jember, Malang, Banyuwangi, Tuban, Surabaya 1
Area 8 Palangkaraya, Tarakan, Bontang, Sampit, Ketapang, Banjarmasin, Banjarbaru, Khusus Sintang dan Pontianak hanya brand
hino dan Mitsubishi)
Area 9 Kotamobagu, Mamuju, Makassar, Ambon, Gorontalo, Makassar 2, Sorong
Bagi cabang yang di luar list di atas dan ingin menjual produk Truck Akhir Tahun,
maka wajib mengajukan memo Deviasi ke SMC, Credit, dan Risk
Produk Moge
Tenor
Segment Jenis Customer JF/NJF Rate
1 2 3 4
LTV 75% 75% 75% 75%
FOR INTERNAL
USE ONLY
Offering Produk MOGE
Description Description2
NEW MOGE MANDIRI KKB REWARD - ADDM NEW MOGE KKB R DP25_1th - ADDM
NEW MOGE MANDIRI KKB REWARD - ADDM NEW MOGE KKB R DP25_2th - ADDM
NEW MOGE MANDIRI KKB REWARD - ADDM NEW MOGE KKB R DP25_3th - ADDM
NEW MOGE MANDIRI KKB REWARD - ADDM NEW MOGE KKB R DP25_4th - ADDM
NEW MOGE MANDIRI KKB REWARD - ADDB NEW MOGE KKB R DP25_1th - ADDB
NEW MOGE MANDIRI KKB REWARD - ADDB NEW MOGE KKB R DP25_2th - ADDB
NEW MOGE MANDIRI KKB REWARD - ADDB NEW MOGE KKB R DP25_3th - ADDB
NEW MOGE MANDIRI KKB REWARD – ADDB NEW MOGE KKB R DP25_4th - ADDB
FOR INTERNAL
USE ONLY
Skema Reward & Refund
SUMBER PRODUK KKB (WAJIB JF KKB)
Upping Rate TIDAK ADA
Refund Provisi Dealer : TIDAK ADA
Reward KKB : Maksimal 2%
Refund Admin Dealer : TIDAK ADA
Reward KKB : Maksimal 2.500.000
Reward KKB : 15% x premi Asuransi Unit
Refund Asuransi
Pemberi Referral : 5,75% x premi Asuransi Unit
a) Pembentukan budget untuk Refund Reward dan Program maksimal 80% dari masing-masing sumber
Ketentuan Lainnya budget (upping Rate, upping Provisi dan upping Admin) dan Komisi Asuransi maksimal 100%.
b) Total Refund subject to TAX dan nilai maksimal Refund mengikuti ketentuan OJK yang berlaku 17,5% kali pendapatan
c) Biaya Admin dan Fiducia wajib Cash; Biaya Fiducia, Rate Asuransi Unit, maupun Asuransi lainnya
mengikuti rate yang berlaku sesuai ketentuan dari Divisi terkait.
d) Ketentuan mandatory document mengikuti ketentuan proses underwriting yang berlaku
e) Untuk ketentuan lainnya mengikuti standar paket yang sudah dijalankan.
f) Apabila ada ketentuan khusus lainnya, akan diatur dalam memo yang terpisah.
Note : Refund, Reward dan Program subject to Tax, Maks Nilai Refund mengikuti ketentuan OJK yang berlaku
FOR INTERNAL
USE ONLY
Biaya Admin
FOR INTERNAL
USE ONLY
REWARD & REFUND
1 Cara Hitung Pendapatan & OJK 17.5% 2 Insentif 1 : Insentif Asuransi & IGB
Pendapatan : Sumber Budget : Pendapatan Asuransi
• Asuransi = premi asuransi x 25%
• Bunga = bunga jual Penerima :
• Admin = admin jual • Dealer = Premi asuransi x 15%
• Provisi = provisi jual • Budget Referral (IGB) = Premi asuransi x 5,75%
FOR INTERNAL
TOTAL INSENTIF 1 DAN INSENTIF 2 TIDAK BOLEH MELEBIHI BATAS OJK 17,5% USE ONLY
FOR INTERNAL
USE ONLY
Wilayah Tiring OTR Reward Referral tambahan PIC Reward Sumber Budget
Hanya Berlaku
All OTR 5% asuransi maksimal 200 ribu pemberi referral Refund Asuransi
Reg 3 dan 4 MTF
Provisi, dengan syarat Admin jual
pemberi referral minimal :
(Provisi jual – Provisi bottom) x 80%
(max 2% upping) Passenger Rp3.350.000
Commercial Rp3.650.000
All Regional MTF All OTR Passenger : Admin, dengan syarat Admin jual
(Admin jual – Rp3,350 juta) x 80% pemberi referral minimal :
Commercial : (max Rp2,5 juta) Passenger Rp3.350.000
(Admin jual – Rp3,650 juta) x 80% Commercial Rp3.650.000
FOR INTERNAL
USE ONLY