OCCURRENCE ESCALATION DEPARTMENT

No Part CASE ID
DATE DATE (POS/SA)
2 Part 1 57546118 3/5/2023 4/12/2023 SA
47 Part 1 57649645 4/14/2023 4/20/2023 POS
65 Part 1 57615003 4/2/2023 4/6/2023 SA
128 Part 2 57546118 2/21/2023 4/27/2023 SA
129 Part 2 57546118 2/20/2023 3/31/2023 SA
130 Part 2 57546118 2/20/2023 3/31/2023 POS
142 Part 2 57644929 2/28/2023 4/27/2023 SA
143 Part 2 57644929 2/28/2023 4/27/2023 POS
212 Part 2 57652699 4/13/2023 4/19/2023 POS
271 Part 1 57625614 1/27/2023 4/13/2023 SA
280 Part 3 57703166 5/3/2023 5/4/2023 DM
313 Part 3 57674394 4/24/2023 4/26/2023 POS

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 NUMBER OF SIGNED
ENTITY CODE ENTITY NAME STATUS JOIN DATE
APPLICATION CONTRACTS
2206242778 Riska Irnawati Active 6/27/2022 17 11
004790XUG Lancar Jaya Furniture Active 3/15/2021 4 4
2208058307 Anthoni Idris Active 8/4/2022 11 8
1905095221 Dessi Ratnawati Resign 5/9/2019
2206080196 Alim Saputra Resign 1/16/2023
0047909LU Tri Cellular Active 11/14/2017 4 0
2210215818 Rian Juniansyah Resign 10/20/2022
0047909LU Tri Cellular Active 11/14/2017 4 0
480002 Nana Phone Active 5/7/2015 8 5
2206242778 Riska Irnawati Active 6/27/2022 19 13
1602115913 Rizka Ramadhanny Promoted 2/10/2016 602
004790YRP Smart.Com Active 4/29/2021 27 16

# 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.
 TOTAL LOAN TRIGGER
MS_CASE_ID
AMOUNT SOURCE
154,004,000 Ad_Hoc
12,750,000 GSPN_Exception_Expiry_Alert
50,833,500 Negative_info_other_dept
Ad_Hoc
Ad_Hoc
Ad_Hoc
Ad_Hoc
Ad_Hoc
19,899,000 MS 456964
173,003,000 Ad_Hoc
3,571,907,939 DM_Alert
85,600,000 MS 457008

# 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.
 TEXT_CONTRACT
SCENARIO L6M_SANCTIONS (New to Old)
NUMBER
Violation of SOP or CoC | 4300400656
|
Violation of SOP or CoC 4300562388 | Surat Pemberitahua
Violation of SOP or CoC 4300321609 |
Violation of SOP or CoC 4300316448 | Surat Pemberitahuan
Violation of SOP or CoC 4300316448 | 4300321609 | 4300400656
|
Violation of SOP or CoC 4300358852 | Surat Pemberitahua
Violation of SOP or CoC 4300358852 |
Create Contract using SA/RA Mobile Phone |
Violation of SOP or CoC 4300163879 |
Warning_Letter_1/Noti
Using other person data 4300703987 |

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 PROPOSED
DSM NAME
SANCTION DATE
Ahmad Zakaria 4/20/2023
Abdul Rizal 4/20/2023
Rizka Ramadhanny 4/20/2023
Ahmad Zakaria 4/27/2023
Ahmad Zakaria 4/27/2023
Ahmad Zakaria 4/27/2023
Ahmad Zakaria 4/27/2023
Ahmad Zakaria 4/27/2023
Cahya Firdaus 4/27/2023
Ahmad Zakaria 4/28/2023
Christinova Tampubolon 5/4/2023
Radhi Subardhi 5/4/2023

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 PROPOSED
1. Finding from Adhoc CASE DETAILS
investigation.
SANCTION
Termination 2. Based on the investigation, there was 1 contract confirmed fraud
Hard violation - Close POS 3. In anoninterview
Based with SAPerformance
AF monitoring, Riska, she admitted that despite knowing
POS is above
Warning_Letter_1/Notice_Letter_2 Improper document KTP - partially blur taking pictur
2. According to the investigation, three clients received money from
Termination
3.
2. The involved
According SAs investigation,
to the (Alim Saputra three
- 2206080196, Dessi Ratnawati
clients received -1
money from
Termination
3.
2. The involved
According SAs investigation,
to the (Alim Saputra three
- 2206080196, Dessi Ratnawati
clients received -1
money from
Hard violation - Close POS
3. The involved SAs (Alim Saputra - 2206080196, Dessi Ratnawati
2. According to the investigation, three clients received money from -1
Termination
3.
2. The involved
According SAs investigation,
to the (Alim Saputra three
- 2206080196, Dessi Ratnawati
clients received -1
money from
Hard violation - Close POS 1.The
MS involved
Using Scenario "Create Contract using SA/RA Mobile Phone"
3. SAs (Alim Saputra - 2206080196, Dessi Ratnawati -1
Hard violation - WL to POS 2. MS refuse install My Home Credit App on she mobile phone
Warning_Letter_1/Notice_Letter_2 3. RA Aldi document
Improper allow install
KTPMy- Home Creditphoto
Applicant's App on POS bmobile phone a
is blur
Warning_Letter_1/Notice_Letter_2 DM
2. MSSoft
1 askTrigger- 2nd Yellow
Promotor Alert
(Asep) to use MS 2 personal data to apply due
Hard violation - WL to POS 3. MS 1 inform that he will pay DP and installment
4. Promotor allowed continue process with input MS 2 data

# 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.
 FINAL
VIOLATION TYPE Employee Status
SANCTION DATE
SA allows UOPD 5/8/2023 HCID IS
Violation Type : Bad risk performance 5/8/2023
Improper document KTP 5/8/2023 HCID IS
SA do encashment 5/8/2023 HCID IS (Resign)
SA do encashment 5/8/2023 HCID IS (Resign)
POS do encashment 5/8/2023
SA do encashment 5/8/2023 HCID IS (Resign)
POS do encashment 5/8/2023
Violation Type : Create Contract using SA/RA Mobile 5/8/2023
Improper document KTP 5/8/2023 HCID IS
Violation Type : Violation Type : DM Alert 5/8/2023 Permanent
Violation Type : Conduct Sharing Password 5/8/2023

# 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
Active Sanction FINAL SANCTION QA REMARKS
NAME
- Terminate Tri Cellular
Hard violation - Close POS Lancar Jaya Furniture
NL 3 Notice_Letter_4 Erafone Ruko Kodam Binta
- Terminate Tri Cellular
- Terminate Tri Cellular
Hard violation - Close POS SA/RA code : 2206080196 | STri Cellular
- Terminate Tri Cellular
Hard violation - Close POS SA/RA code : 2210215818 | STri Cellular
Hard violation - WL to POS RA code : RA23040306605 | RA
Nana Phone
- Notice_Letter_2 Tri Cellular
WL 1 Warning_Letter_2
Hard violation - WL to POS SA/RA code : RA19070706465Smart.Com

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 POS POS POS
TYPE CODE REGION
Standard 0047909LU South Tangerang
NonKA | ALDI 004790XUG South Tangerang
KA 0047911DD South Tangerang
Standard 0047909LU South Tangerang
Standard 0047909LU South Tangerang
NonKA | NonALDI 0047909LU South Tangerang
Standard 0047909LU South Tangerang
NonKA | NonALDI 0047909LU South Tangerang
NonKA | ALDI 480002 South Tangerang
Standard 0047909LU South Tangerang
South Tangerang
NonKA | ALDI 004790YRP South Tangerang

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NO Visit Date Calibration Date DM Date TYPE

1 10-Apr-23 27-Apr-23 8-May-23 POS Exhibition/NKAC

2 13-Apr-23 27-Apr-23 8-May-23 POS Exhibition/NKAC

3 27-Apr-23 8-May-23 POS Exhibition/NKAC

4 27-Apr-23 8-May-23 New POS/NKAC-ALDI

5 27-Apr-23 8-May-23 New POS/NKAC-ALDI

6 12-Apr-23 27-Apr-23 8-May-23 New POS/NKAC-ALDI

7 27-Apr-23 8-May-23 POS Exhibition/NKAC

8 12-Apr-23 27-Apr-23 8-May-23 New POS/NKAC-NON ALDI
9 13-Apr-23 27-Apr-23 8-May-23 New POS/NKAC-NON ALDI
10 27-Apr-23 8-May-23 New POS/SPC/NKAC-ALDI
11 27-Apr-23 8-May-23 New POS/NKAC-ALDI
12 19-Apr-23 27-Apr-23 8-May-23 New POS/NKAC-NON ALDI

13 13-Apr-23 27-Apr-23 8-May-23 POS Exhibition/NKAC

14 14-Apr-23 27-Apr-23 8-May-23 Change POS Address/NKAC

15 17-Apr-23 27-Apr-23 8-May-23 Change POS Address/NKAC

16 27-Apr-23 8-May-23 POS Exhibition/NKAC

17 19-Apr-23 27-Apr-23 8-May-23 New POS/NKAC-NON ALDI

New POS/SPC/NKAC-NON
18 19-Apr-23 27-Apr-23 8-May-23
ALDI

New POS/SPC/NKAC-NON
19 18-Apr-23 27-Apr-23 8-May-23
ALDI

Adding New
20 20-Apr-23 27-Apr-23 8-May-23
Commodity/NKAC

_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.
21 27-Apr-23 8-May-23 New POS/NKAC-ALDI
22 27-Apr-23 8-May-23 New POS/SPC/NKAC-ALDI
23 27-Apr-23 8-May-23 New POS/NKAC-ALDI
24 27-Apr-23 8-May-23 New POS/NKAC-NON ALDI
25 27-Apr-23 8-May-23 New POS/SPC/NKAC-ALDI

26 17-Apr-23 4-May-23 8-May-23 POS Exhibition/NKAC

27 26-Apr-23 4-May-23 8-May-23 POS Exhibition/NKAC

28 24-Apr-23 4-May-23 8-May-23 POS Exhibition/NKAC

New POS/SPC/NKAC-NON
29 21-Apr-23 4-May-23 8-May-23
ALDI
30 24-Apr-23 4-May-23 8-May-23 New POS/NKAC-NON ALDI
31 4-May-23 8-May-23 New POS/SPC/NKAC-ALDI
32 4-May-23 8-May-23 POS Exhibition/NKAC

33 27-Apr-23 4-May-23 8-May-23 POS Exhibition/NKAC

34 10-Apr-23 4-May-23 8-May-23 New POS/NKAC-NON ALDI

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#

organization.
 POS NAME POS CODE CITY REGION

Exhibition Graha Omega 004791B2Q Tulungagung Kediri

Exhibition Gedank Cell Jember 004791B43 Jember Surabaya

Putra Mandiri Furniture Festival 004791B46 Gorontalo Gorontalo

Travolta Bike Jakarta Selatan Jabodetabek

Alfa Mobile Jakarta Selatan Jabodetabek

Brothershoop Ponsel 004791B4O Maros Makassar

Dina Mebel 2 Exhibition 004791B4T Gorontalo Gorontalo

NN CELLULER 004791B5V Bandung Bandung
RAPI ELEKTRONIK 004791B59 Magetan Madiun
Pulau Borneo 004791B6E Jakarta Timur Jabodetabek
SH Cellular Jakarta Selatan Jabodetabek
URBAN STORE 004791AYZ Jember Banyuwangi

Pameran Bandung Cell 004791B4C Bengkulu Bengkulu

Toko Jati Mutiara AA 004790ZEH Palembang Palembang

Si Cantik Celluler 004790X3D Malang Malang

Exhibition - Prima Meubel 2 004791B79 Palu Palu

JM Furniture 004791B7B Banyuasin Palembang

Duta Media Elektronik Desa Kapur 004791B81 Kubu Raya Pontianak

Halo Media Sell X 004791B82 Lampung Lampung

NEW CELLULAR 0047919J2 Tangerang Jabodetabek

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#

organization.
PRESTIGE GAME ELEKTRONIK 004791B8K Banjarmasin Banjarmasin
Puskrip Betro 004791B8B Sidoarjo Surabaya
Tier Bike Jakarta Barat Jabodetabek
Shang Yang e- Bik 004791B91 Jakarta Barat Jabodetabek
Gadgetan 004791B97 Bandung Bandung

Exhibition Multi Komputer 004791B6N Bengkulu Bengkulu

Exhibition Hacom - Tandes 004791B6U Surabaya Surabaya

Exhibition Romance Green Sedayu

004791B8G Jakarta Barat Jabodetabek
Mall

F2C Furniture Gatot Subroto Barat 004791B9P Denpasar Denpasar

RIEL ACC HANDPHONE CENTER 004791BA0 Banjarnegara Purwokerto
Puskrip Pogot 004791BAB Surabaya Surabaya
Gajahmada Exhibition Instore 004791BA5 Denpasar Denpasar

Exhibition Karya Subur 004791BAC Denpasar Denpasar

Bangunan Baru 004791B3L Kebumen Purwokerto

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#

organization.
 Remarks

Based on information from employee, store can receive encashment with 2,5%
charge, on the condition that buy the goods first. Example, gestun 1 mio given
cash money 975 thousand

Exhibition has started but at exhibition location there no banner or signboard.

Exhibition Periode : 10 - 16 April 2023

Based on photo attached, exhibition location inside POS Toko Putra Mandiri
Meubel (004790XZH) but not area front store
Based on photo attached, store sells motorcycle more than electric bicycle.
Electric Bicycle only five unit
1. POS has been submitted with name Alfa Mobile (0047906GQ) status closed (10
April 23)
2. Different signatures between ID, letter of agreement and bank account
3. There is no document legal two
Based on photo attached, commodity not available on the display only empty box
and HP accessories
Based on photo attached, exhibition location inside POS Dina Mebel 2
(0047915EC) but not area front store
Commodity not available on the display only empty box and HP dummy
Employee (Wulan) not cooperative, investigator can not get any information
Commodity not available on the display only empty box and HP dummy
Store sells more secondhand goods (70% second hand and 30% new goods)
Store sells more secondhand goods (70% second hand and 30% new goods)
There are no exhibition at the location, no tents and no display of goods.

Exhibition periode : 7 April - 7 July 23

POS has five yellow :

1. There is Illegal Creditor in the surrounding store location
2. Commodity is NOT the same with the picture and proposed list
3. There is only one staff in store
4. Location with many comer who stay in rented house or room
5. Unsafe location or criminal area (thugs / criminals)
Different address between document (Jl. Bugis No. 9) and actual address (Jl. Bugis
No. 11)
There are no exhibition at the location, no tents and no display of goods.

Exhibition periode : 13 April - 13 July 23

Reject by matrix : 3 times owner did not joint during video call

Based on information from owner, store give illegal credit for friends and sibling
with interest 4% and tenor 3 months

Main POS has been closed

1. Different address between document (Kel. Sukamulya, Kec. Sukamulya) and

actual address (Kelurahan Renged, Kecamatan Kresek)
2. Store has three names on the signboard (New Cellular, New Cell and New
Cellular Kresek)

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#

organization.
Based on photo attached, commodity available on display only 3 unit PS4. The
store more sells PS Accessories and PS Services
Commodity not available on display, only empty box
Commodity available on display only five unit
Commodity available on display only four unit
1. Commodity not available on display, only empty box
2. Bank account on behalf of head of store different with power of attorney
There are no exhibition at the location, no tents and no display of goods.

• Exhibition periode : 12 April - 30 June 23

Exhibition has started but at exhibition location there no banner or signboard.

Exhibition Periode : 13 April - 12 June 23

Reject by matrix : 3 times owner did not joint during video call

POS open less one month

Store sells more secondhand goods (80% second hand and 20% new goods)
Commodity not available on display only empty box
Based on photo attached, exhibition location inside POS UD Gajah Mada Elektronik
(00479024O) but not area front store
There are no exhibition at the location, no tents and no display of goods.

• Exhibition periode : 24 April - 24 May 23

Based on information from PIC Prasetya, store give illegal credit for friends and
sibling with tenor 10 month and DP 20%

_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.
 DM Name AF Review DM Result
• Approved by AF with monitoring for
6 months
Beny Azhar Fahrudin • Hard Violation - WL to Main POS
Omega Sejahtera (Graha Omega)
(004790GD9)

Ahmad Fatoni Faqih Ok to reject

Sanhyasa Wisadha Heru

Ok to reject
Cokro

Muhammad Reiza Ok to reject

Haryanti Haryanti Ok to reject

Eko Saputra Kuslam Ok to reject

Sanhyasa Wisadha Heru

Ok to reject
Cokro
Nur Ilham Maulana Ok to reject
Fharil Nurcahyo Ok to reject
Erik Rifki Ismail Ok to reject
Andini Oktavianti Ok to reject
Ahmad Fatoni Faqih Ok to reject

Ririn Puspita Sari Ok to reject

Sugiarto Sugiarto Ok to reject

Ask statement letter about actual

Naufal Alifiansyah
address

Adrianus Chandra Haden Ok to reject

Sugiarto Sugiarto Ok to reject

• Approved by AF with monitoring for
6 months
Rahmat Hidayat
• Hard Violation - WL to Main POS
Duta Media Elektronik (0047905MT)

Immanuel Fernando Siahaan Ok to reject

Ask statement letter about actual

Kurniawan Kurniawan address & change signboard
according with document submitted

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#

organization.
Zain Harissudin Ok to reject
Muhammad Afvan Efendy Ok to reject
Dian Aji Saputra Ok to reject
Fathan Qorib Ok to reject
Septian Septian Ok to reject

Edwar Asimlex Ok to reject

Sanggar Puspa Dewi Ok to reject

Saefulloh Achmad Ok to reject

Arief Desyanto Nugroho Resubmit after one month

Solichin Solichin Ok to reject
Rizki Maulana Ok to reject
Ni Luh Winanti Ok to reject

Arief Desyanto Nugroho Ok to reject

Solichin Solichin Ok to reject

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#

organization.