CREDIT REPORT CREATED ON 2024/06/12

PT. CRIF Lembaga Informasi Keuangan

Menara Dea Tower 2, Lantai 8 Unit 803
Jl. Mega Kuningan Barat Blok E4.3 No. 1-2,
Kuningan Timur, Setiabudi,
Jakarta - 12950
Telephone: (+62) 21 8060 4228
Email: [email protected]

CREDIT REPORT

M WELLY KRISTANTO

Request Date: 2024/06/12 Subject Matched

SUBJECT

Subject Data
CB Subject Code Provider Subject No Last Update Date Resident
505669902 - 2024/06/12 Yes
Name As Id Full Name Mother's Name Gender
M WELLY KRISTANTO MUHAMMAD WELLY KRISTANTO NOOR AIDAH Male
Date of Birth Place of Birth Marital Status Educational Status
1990/01/01 SAMARINDA SINGLE Others
Subject Status
-

Addresses
Current - Address Last Update Date

JL. UNTUNG SURAPATI GG. KBB, KARANG ASAM SAMARINDA, Sungai Kunjang, Kota Samarinda, 75126, 2024/05/31
INDONESIA
Historical - Address Last Update Date

JL PLUM RATU MANDIN, SEMAYAP, Pulau Laut Utara, Kab. Kota Baru, 72117, INDONESIA 2023/04/30
Historical - Address Last Update Date

JL. UNTUNG SURAPATI GG KBB, 7/0, KARANG ASAM ULU, SUNGAI KUNJANG, SAMARINDA, KALIMANTAN 2023/04/14
TIMUR, 75126, KARANG ASAM ULU, Sungai Kunjang, Kota Bandung, 75126, INDONESIA
Historical - Address Last Update Date

UNTUNG SUROPATI GANG KBB RT 007 RW 000 KARANG ASAM ULU, SUNGAI KUNJANG, KARANG ASAM 2022/10/31
ULU, Sungai Kunjang, Kota Balikpapan, 75126, INDONESIA
Historical - Address Last Update Date

SUNGAI TAIB GG SERUMPUN RT 02 RW 00 SUNGAI TAIB, PULAU LAUT UTARA, SUNGAI TAIB, Pulau Laut 2021/02/28
Utara, Kab. Kota Baru, 72114, INDONESIA
Historical - Address Last Update Date

NNN, SEMAYAP, Pulau Laut Utara, Kab. Kota Baru, 72117, INDONESIA 2020/04/30
Historical - Address Last Update Date

NNN, SEMAYAP, Pulau Laut Utara, Wil. Kota Jakarta Pusat, 72117, INDONESIA 2020/02/29
Historical - Address Last Update Date

BELUM TERSEDIA, BELUM TERSEDIA, Belum Tersedia, Outside Indonesia, 00000, INDONESIA 2018/03/31

Identification Documents
Identity Codes NPWP/Tax Registration Number
ID CARD : 6472060101900002 000000000000000

CONFIDENTAL Page 1 of 26
CREDIT REPORT CREATED ON 2024/06/12

Contacts
Current - Contact

Phone Number Cell Phone Number Email Address Last Update Date
0 085951452239 [email protected] 2024/05/31
Historical - Contact

Phone Number Cell Phone Number Email Address Last Update Date
6281346725669 082350630329 - 2023/04/30
Phone Number Cell Phone Number Email Address Last Update Date
1 6285654958512 - 2023/04/14
Phone Number Cell Phone Number Email Address Last Update Date
082350630329 082149411627 - 2022/10/31
Phone Number Cell Phone Number Email Address Last Update Date
081214528915 082251180718 - 2021/09/30
Phone Number Cell Phone Number Email Address Last Update Date
- 0 - 2020/04/30
Phone Number Cell Phone Number Email Address Last Update Date
- 081343390972 - 2019/09/30
Phone Number Cell Phone Number Email Address Last Update Date
- 085264575426 - 2019/09/30
Phone Number Cell Phone Number Email Address Last Update Date
- 081214528915 - 2019/09/30

Employment Data
Current - Employment Data

Occupation Work Place Employer Sector Work Place Address

Entrepreneur PENJUALPISANGIJOPEMILIK NOT OTHER BUSINESS FIELDS -
Last Update Date
2024/05/31

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CREDIT REPORT CREATED ON 2024/06/12

Historical - Employment Data

Occupation Work Place Employer Sector Work Place Address

Others LAIN-LAIN NOT OTHER BUSINESS FIELDS NNN
Last Update Date
2023/07/31
Occupation Work Place Employer Sector Work Place Address
Distributor JAKARTA OPERATION PROJECH MASSIVE TRADE OF OTHER NNN
PRODUCTS INCLUDING YTDL
Last Update Date
2023/04/30
Occupation Work Place Employer Sector Work Place Address
Executive PT GAWIH JAYA OTHER BIG TRADE OF RICE AND JALAN IR SUTAMI KOMP
PALAWIJA PERGUDANGAN BLOK G7 RT 000
KARANG ASAM ULU, SUNGAI
KUNJANG
Last Update Date
2022/10/31
Occupation Work Place Employer Sector Work Place Address
Engineering CV SURYA JAYA OTHER BUILDING CONSTRUCTIONS -
Last Update Date
2022/05/31
Occupation Work Place Employer Sector Work Place Address
General Administration YAYASAN TUNTUNG PANDANG OTHER SPORTS AND RECREATION UNTUNG SUROPATI GG KBB
ACTIVITIES
Last Update Date
2019/09/30

SCORE DETAIL
Subject is not scorable.

Credit Score not calculated reasons: The Client is Already Bad

CONTRACTS SUMMARY

Key Values
Contracts number Reporting Providers Number Total Credit Limit Total Potential Exposure
9 8 IDR 312.451.812 IDR 300.156.483
Total Debit Balance Total Overdue Currency
IDR 300.156.483 IDR 404.549.575 Indonesian Rupiah

Summary by Category and Phase

Contract Category Requested Refused Renounced Active Closed

CREDIT / FINANCING 0 0 0 1 8

BOND / SECURITIES 0 0 0 0 0

IRREVOCABLE LC 0 0 0 0 0

BANK GUARANTEE 0 0 0 0 0

OTHER FACILITIES 0 0 0 0 0

CONFIDENTAL Page 3 of 26
CREDIT REPORT CREATED ON 2024/06/12

Financial Summary

 
Credit / Financing Bond / Securities
Active Credits/Financing: 1 Active Bond / Securities: 0
Credit Limit IDR Debit Balance IDR 0
22.066.691 Overdue IDR 0
Debit Balance IDR
18.632.879
Overdue IDR 45.185

 
Irrevocable LC Bank Guarantee
Active Irrevocable LC: 0 Active Bank Guarantee: 0
Credit Limit IDR 0 Credit Limit IDR 0
Debit Balance IDR 0 Debit Balance IDR 0


Other Facilities
Active Other Facilities: 0
Debit Balance IDR 0
Overdue IDR 0

CONFIDENTAL Page 4 of 26
CREDIT REPORT CREATED ON 2024/06/12

CONTRACTS DETAILS

CONTRACTS DETAILS

Credit / Financing
Credit / Financing Detail (Active, Closed, Closed in Advance):
CB Total Last Linked
Contract Provider Contract Contract Contract Collaterals Collateral Guarantors Provider Update Subjects Facility
No. Code Number Type Phase Role Start Date Due Date Counter Value Counter Type Provider Date List Note Status

1 901908607 A1480100990095 Others Closed in Borrower 2014/10/01 2016/10/13 - - - Conventional PT Bank 2024/06/04 - - -
advance Commercial Mandiri
Bank (Persero)
Tbk

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2022 180+ 180+ 180+ 180+ 180+ 180+ 180+
2023 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2024 180+ 180+ 180+ 180+ 180+

2 F02076313 0834083417200141 Loans for joint Closed in Borrower 2017/02/27 2021/02/24 1 IDR - Conventional PT Bank 2024/06/05 - - -
financing advance 300.534.000 Commercial Danamon
(Syndication) Bank Indonesia
Tbk

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2022 180+ 180+ 180+ 180+ 180+ 180+ 180+
2023 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2024 180+ 180+ 180+ 180+ 180+

3 P08044656 710619120043 Others Closed in Borrower 2019/12/12 2021/12/12 1 IDR 23.667.000 1 Islamic Finance PT Mandala 2024/05/13 - - -
advance Company Multifinance
(UUS)

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2022 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2023 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2024 180+ 180+ 180+ 180+

4 P00197495 0834083417200141 Loans for joint Closed in Borrower 2017/02/27 2021/02/24 1 IDR 1 Financing PT Adira 2024/05/10 - - -
financing advance 300.534.000 Company Dinamika
(Syndication) Multi
Finance Tbk

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2022 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2023 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2024 180+ 180+ 180+ 180+

5 L42827391 1630566339768002560CS002 Others Closed in Borrower 2022/05/24 2022/06/26 - - - Financing PT 2024/05/09 - - -

advance Company Commerce
Finance

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2022 N/A N/A N/A N/A N/A N/A N/A N/A
2023 N/A N/A N/A N/A 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2024 180+ 180+ 180+ 180+

6 N38941486 1630566339768002560CS001 Others Closed Borrower 2022/05/24 2022/06/26 - - - Financing PT 2023/06/04 - - -

Company Commerce
Finance

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2022 N/A OK 1-89 1-89 90-119 180+ 180+ 180+
2023 180+ 180+ 180+ 180+ OK

7 M08108060 SAM1801314 Loans for joint Closed Borrower 2018/09/03 2023/08/03 - - - Islamic Finance PT Mega 2023/03/11 - - -
financing Company Finance
(Syndication) (UUS)

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2021 1-89 1-89 OK OK OK 1-89 1-89 1-89 OK 1-89
2022 1-89 N/A 1-89 1-89 1-89 1-89 1-89 1-89 1-89 1-89 1-89 1-89
2023 OK OK

8 O00445638 05193016011224 Loans for joint Closed in Borrower 2016/10/11 2017/09/11 - - - Financing PT KB 2023/03/10 - - -
financing advance Company Finansia
(Syndication) Multi
Finance

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2021 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2022 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+ 180+
2023 180+ OK

9 106550108 710619120043 Loans Active Borrower 2019/12/12 2021/12/12 1 IDR 23.667.000 1 Financing PT Mandala 2020/06/10 - - -
provided Company Multifinance

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2019 N/A
2020 OK OK OK OK OK

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CREDIT REPORT CREATED ON 2024/06/12

Detail of Credit / Financing 1: Others - Closed in advance

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Conventional PT Bank Mandiri 901908607 A1480100990095 Borrower 2024/06/04 -

Commercial Bank (Persero) Tbk

Start Date Due Date Past Due Status Contract Status

2014/10/01 2016/10/13 Bad (DPD 180+) Written off
Contract Status Date Information
2016/11/29 -

Historical Data

Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2024 May 3154 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2024 Apr 3123 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2024 Mar 3093 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2024 Feb 3062 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2024 Jan 3033 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Dec 3002 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Nov 2971 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Oct 2941 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Sep 2910 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Aug 2880 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Jul 2849 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Jun 2818 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 May 2788 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Apr 2757 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Mar 2727 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Feb 2696 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2023 Jan 2668 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2022 Dec 2637 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2022 Nov 2606 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2022 Oct 2576 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2022 Sep 2545 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2022 Aug 2515 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2022 Jul 2484 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

2022 Jun 2453 IDR 13.264.584 Marketing Difficulties IDR 8.125.000 IDR 0 Written off

CONFIDENTAL Page 6 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Conventional MB.LJN/0321/KUM/2014.A00 2014/10/01
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
MB.LJN/0321/KUM/2014.A00 2014/10/01 - 2014/10/01
Debtor Category Usage Type Usage Orientation Economic Sector
Debtor SMEs - Micro Working capital Other SPECIAL RETAIL TRADE OF FOOD,
BEVERAGES AND TOBACCO IN THE
STORE
City Project Value Type of Interest Rate Interest Rate
Kota Samarinda IDR 15.000.000 Fixed Interest Rates 21,00 %
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 15.000.000 IDR 8.125.000 - IDR 8.125.000
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
IDR 8.125.000 IDR 3.554.688 3154 14
Bad Credit Cause Bad Credit Date Penalty
Marketing Difficulties 2016/04/10 IDR 1.584.896

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 13.264.584 73 2021/09/30 3154
Max Days Past Due Date Worst Status Worst Status Date
2024/05/31 Bad (DPD 180+) 2024/05/31

Detail of Credit / Financing 2: Loans for joint financing (Syndication) - Closed in advance

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Conventional PT Bank Danamon F02076313 0834083417200141 Borrower 2024/06/05 -

Commercial Bank Indonesia Tbk

Start Date Due Date Past Due Status Contract Status

2017/02/27 2021/02/24 Bad (DPD 180+) Written off
Contract Status Date Information
2017/10/30 -

CONFIDENTAL Page 7 of 26
CREDIT REPORT CREATED ON 2024/06/12

Historical Data

Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2024 May 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2024 Apr 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2024 Mar 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2024 Feb 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2024 Jan 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Dec 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Nov 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Oct 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Sep 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Aug 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Jul 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Jun 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 May 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Apr 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Mar 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Feb 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2023 Jan 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2022 Dec 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2022 Nov 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2022 Oct 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2022 Sep 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2022 Aug 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2022 Jul 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

2022 Jun 219 IDR 247.877.853 Others IDR 230.565.095 IDR 0 Written off

CONFIDENTAL Page 8 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Conventional 083417200141 2017/02/27
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
083417200141 2017/02/27 - 2017/02/27
Debtor Category Usage Type Usage Orientation Economic Sector
Not a Debtor of Micro, Small and Consumption Other HOUSEHOLD FOR FOUR-WHEELED
Medium Enterprises VEHICLE OWNERSHIP
City Project Value Type of Interest Rate Interest Rate
Kota Samarinda - Fixed Interest Rates 11,89 %
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 230.565.095 IDR 230.565.095 - IDR 230.565.095
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
IDR 230.565.095 IDR 17.312.758 219 8
Bad Credit Cause Bad Credit Date Penalty
Others 2017/10/30 -

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 265.190.611 16 2017/10/31 219
Max Days Past Due Date Worst Status Worst Status Date
2024/05/31 Bad (DPD 180+) 2024/05/31

CONFIDENTAL Page 9 of 26
CREDIT REPORT CREATED ON 2024/06/12

Detail of Collaterals 1: Vehicle

Provider Type Provider Last Update Date Attribute Status

Conventional Commercial Bank PT Bank Danamon Indonesia Tbk 2024/06/05 -

Granted Collateral
Collateral Number Collateral Status Rating Rating Institution
08340834083417200141 Available - -
Bind Type Bind Date Collateral Owner Name Proof of Ownership
Fiduciare 2017/03/02 MUHAMMAD WELLY KRISTANTO M10049534N
Common Collateral Status Common Collateral Percentage Joint Account Credit Status Insured
No - No Yes
Information
-
Collateral Value
Collateral Value NJOP Collateral Value Reporter Assessment Date Reporter Collateral Value Indipendent Assersors
IDR 300.534.000 IDR 210.373.800 2017/02/27 -
Independent Assessors Name Assessment Date Indipendent Assersors
-

Collateral Address
Address
JL M YAMIN KOMP SAMARINDA SQUARE NO 01,Kota Samarinda

Detail of Credit / Financing 3: Others - Closed in advance

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Islamic Finance PT Mandala P08044656 710619120043 Borrower 2024/05/13 -

Company Multifinance (UUS)

Start Date Due Date Past Due Status Contract Status

2019/12/12 2021/12/12 Bad (DPD 180+) Written off
Contract Status Date Information
2021/02/28 -

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CREDIT REPORT CREATED ON 2024/06/12

Historical Data

Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2024 Apr 1364 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2024 Mar 1334 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2024 Feb 1303 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2024 Jan 1274 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 Dec 1243 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 Nov 1212 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 Oct 1182 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 Sep 1151 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 Aug 1121 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 Jul 1090 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 Jun 1059 IDR 21.947.000 Others IDR 17.115.165 IDR 0 Written off

2023 May 1029 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2023 Apr 998 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2023 Mar 968 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2023 Feb 937 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2023 Jan 909 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 Dec 878 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 Nov 847 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 Oct 817 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 Sep 786 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 Aug 756 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 Jul 725 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 Jun 694 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

2022 May 664 IDR 21.947.000 Others IDR 17.115.165 IDR 22.066.691 Written off

CONFIDENTAL Page 11 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Murabahah Receivables 710619120043 2019/12/12
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
710619120043 2019/12/12 - 2019/12/12
Debtor Category Usage Type Usage Orientation Economic Sector
Not a Debtor of Micro, Small and Consumption Other MASSIVE TRADE OF OTHER
Medium Enterprises PRODUCTS INCLUDING YTDL
City Project Value Type of Interest Rate Interest Rate
Kab. Kota Baru - Margin 34,97 %
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 22.066.691 IDR 17.115.165 - IDR 17.115.165
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
IDR 17.115.165 IDR 4.831.835 1364 4
Bad Credit Cause Bad Credit Date Penalty
Others 2024/04/30 -

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 21.947.000 4 2024/04/30 1364
Max Days Past Due Date Worst Status Worst Status Date
2024/04/30 Bad (DPD 180+) 2024/04/30

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CREDIT REPORT CREATED ON 2024/06/12

Detail of Collaterals 1: Retail Sukuk

Provider Type Provider Last Update Date Attribute Status

Islamic Finance Company PT Mandala Multifinance (UUS) 2024/05/13 -

Granted Collateral
Collateral Number Collateral Status Rating Rating Institution
7106191200431 Available - -
Bind Type Bind Date Collateral Owner Name Proof of Ownership
Others 2019/12/12 MUHAMMAD WELLY KRISTANTO Q00547467M
Common Collateral Status Common Collateral Percentage Joint Account Credit Status Insured
No - No Yes
Information
-
Collateral Value
Collateral Value NJOP Collateral Value Reporter Assessment Date Reporter Collateral Value Indipendent Assersors
IDR 23.667.000 IDR 23.667.000 2019/12/06 -
Independent Assessors Name Assessment Date Indipendent Assersors
-

Collateral Address
Address
JL SUNGAI TAIB,Kab. Kota Baru

Detail of Guarantor 1: Individual

Provider Type Provider Last Update Date Attribute Status

Islamic Finance Company PT Mandala Multifinance (UUS) 2024/05/13 -

Granted Guarantor
Guarantor Name as ID Guarantor Full Name Percentage Guaranteed Information
BUNGA SELVIANA BUNGA SELVIANA - -

Guarantor Identity
Identity Type Identity Number
ID CARD 6302098904020001

Guarantor Address
Address
JL PLUM RATU MANDIN

Detail of Credit / Financing 4: Loans for joint financing (Syndication) - Closed in advance

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Financing Company PT Adira Dinamika P00197495 0834083417200141 Borrower 2024/05/10 -

Multi Finance Tbk

Start Date Due Date Past Due Status Contract Status

2017/02/27 2021/02/24 Bad (DPD 180+) Written off
Contract Status Date Information
2017/10/30 -

CONFIDENTAL Page 13 of 26
CREDIT REPORT CREATED ON 2024/06/12

Historical Data
Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2024 Apr 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2024 Mar 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2024 Feb 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2024 Jan 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Dec 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Nov 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Oct 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Sep 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Aug 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Jul 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Jun 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 May 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Apr 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Mar 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Feb 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2023 Jan 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 Dec 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 Nov 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 Oct 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 Sep 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 Aug 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 Jul 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 Jun 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

2022 May 219 IDR 121.314.953 Others IDR 25.618.344 IDR 0 Written off

CONFIDENTAL Page 14 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Conventional 083417200141 2017/02/27
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
083417200141 2017/02/27 - 2017/02/27
Debtor Category Usage Type Usage Orientation Economic Sector
Not a Debtor of Micro, Small and Consumption Other HOUSEHOLD FOR FOUR-WHEELED
Medium Enterprises VEHICLE OWNERSHIP
City Project Value Type of Interest Rate Interest Rate
Kota Samarinda - Fixed Interest Rates 17,17 %
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 25.618.344 IDR 25.618.344 - IDR 25.618.344
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
IDR 25.618.344 IDR 82.423.759 219 8
Bad Credit Cause Bad Credit Date Penalty
Others 2017/10/30 IDR 13.272.850

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 121.314.953 8 2024/04/30 219
Max Days Past Due Date Worst Status Worst Status Date
2024/04/30 Bad (DPD 180+) 2024/04/30

CONFIDENTAL Page 15 of 26
CREDIT REPORT CREATED ON 2024/06/12

Detail of Collaterals 1: Vehicle

Provider Type Provider Last Update Date Attribute Status

Financing Company PT Adira Dinamika Multi Finance Tbk 2024/05/10 -

Granted Collateral
Collateral Number Collateral Status Rating Rating Institution
08340834083417200141 Available - -
Bind Type Bind Date Collateral Owner Name Proof of Ownership
Fiduciare 2017/03/02 MUHAMMAD WELLY KRISTANTO M10049534N
Common Collateral Status Common Collateral Percentage Joint Account Credit Status Insured
No - No Yes
Information
-
Collateral Value
Collateral Value NJOP Collateral Value Reporter Assessment Date Reporter Collateral Value Indipendent Assersors
IDR 300.534.000 IDR 300.534.000 2017/02/27 -
Independent Assessors Name Assessment Date Indipendent Assersors
-

Collateral Address
Address
JL M YAMIN KOMP SAMARINDA SQUARE NO 01,Kota Samarinda

Detail of Guarantor 1: Individual

Provider Type Provider Last Update Date Attribute Status

Financing Company PT Adira Dinamika Multi Finance Tbk 2024/05/10 -

Granted Guarantor
Guarantor Name as ID Guarantor Full Name Percentage Guaranteed Information
NOOR AIDAH NOOR AIDAH 100,00 % -

Guarantor Identity
Identity Type Identity Number
ID CARD 6472064201660003

Guarantor Address
Address
JL UNTUNG SURAPATI GG KBB RTRW 007000 KARANG ASAM ULU

Detail of Credit / Financing 5: Others - Closed in advance

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Financing PT Commerce L42827391 1630566339768002560CS002 Borrower 2024/05/09 -

Company Finance

Start Date Due Date Past Due Status Contract Status

2022/05/24 2022/06/26 Bad (DPD 180+) Written off
Contract Status Date Information
2024/04/30 PAYLATER

CONFIDENTAL Page 16 of 26
CREDIT REPORT CREATED ON 2024/06/12

Historical Data

Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2024 Apr 675 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2024 Mar 645 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2024 Feb 614 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2024 Jan 585 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Dec 554 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Nov 523 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Oct 493 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Sep 462 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Aug 432 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Jul 401 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Jun 370 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 May 340 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Apr 0 IDR 0 - IDR 0 IDR 0 -

2023 Mar 0 IDR 0 - IDR 0 IDR 0 -

2023 Feb 0 IDR 0 - IDR 0 IDR 0 -

2023 Jan 0 IDR 0 - IDR 0 IDR 0 -

2022 Dec 0 IDR 0 - IDR 0 IDR 0 -

2022 Nov 0 IDR 0 - IDR 0 IDR 0 -

2022 Oct 0 IDR 0 - IDR 0 IDR 0 -

2022 Sep 0 IDR 0 - IDR 0 IDR 0 -

2022 Aug 0 IDR 0 - IDR 0 IDR 0 -

2022 Jul 0 IDR 0 - IDR 0 IDR 0 -

2022 Jun 0 IDR 0 - IDR 0 IDR 0 -

2022 May 0 IDR 0 - IDR 0 IDR 0 -

CONFIDENTAL Page 17 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Conventional 202205241640259457043096576 2022/05/24
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
202205241640259457043096576 2022/05/24 - 2022/05/24
Debtor Category Usage Type Usage Orientation Economic Sector
Not a Debtor of Micro, Small and Consumption Other RETAIL TRADE THROUGH POST OR
Medium Enterprises INTERNET ORDER
City Project Value Type of Interest Rate Interest Rate
Kota Samarinda - Fixed Interest Rates -
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 100.000 IDR 100.000 - IDR 100.000
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
IDR 100.000 IDR 0 675 1
Bad Credit Cause Bad Credit Date Penalty
Others 2022/12/23 -

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 100.000 1 2024/04/30 675
Max Days Past Due Date Worst Status Worst Status Date
2024/04/30 Bad (DPD 180+) 2024/04/30

Detail of Credit / Financing 6: Others - Closed

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Financing PT Commerce N38941486 1630566339768002560CS001 Borrower 2023/06/04 -

Company Finance

Start Date Due Date Past Due Status Contract Status

2022/05/24 2022/06/26 Current Paid off
Contract Status Date Information
2023/05/31 PAYLATER

CONFIDENTAL Page 18 of 26
CREDIT REPORT CREATED ON 2024/06/12

Historical Data
Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2023 May 0 IDR 0 - IDR 0 IDR 0 Paid off

2023 Apr 309 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Mar 279 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Feb 248 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2023 Jan 220 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2022 Dec 189 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2022 Nov 158 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2022 Oct 128 IDR 100.000 Others IDR 100.000 IDR 0 Written off

2022 Sep 97 IDR 100.000 - IDR 100.000 IDR 0 Active Facilities

2022 Aug 67 IDR 100.000 - IDR 100.000 IDR 0 Active Facilities

2022 Jul 36 IDR 100.000 - IDR 100.000 IDR 0 Active Facilities

2022 Jun 5 IDR 100.000 - IDR 100.000 IDR 0 Active Facilities

2022 May 0 IDR 0 - IDR 0 IDR 0 -

CONFIDENTAL Page 19 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Conventional 202205241640259457043096576 2022/05/24
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
202205241640259457043096576 2022/05/24 - 2022/05/24
Debtor Category Usage Type Usage Orientation Economic Sector
Not a Debtor of Micro, Small and Consumption Other RETAIL TRADE THROUGH POST OR
Medium Enterprises INTERNET ORDER
City Project Value Type of Interest Rate Interest Rate
Kota Samarinda - Fixed Interest Rates -
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 100.000 - - IDR 0
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
0 IDR 0 0 1
Bad Credit Cause Bad Credit Date Penalty
- - -

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 100.000 1 2023/05/31 309
Max Days Past Due Date Worst Status Worst Status Date
2023/04/30 Bad (DPD 180+) 2023/04/30

Detail of Credit / Financing 7: Loans for joint financing (Syndication) - Closed

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Islamic Finance PT Mega Finance M08108060 SAM1801314 Borrower 2023/03/11 -

Company (UUS)

Start Date Due Date Past Due Status Contract Status

2018/09/03 2023/08/03 Current Paid off
Contract Status Date Information
2023/02/28 -

CONFIDENTAL Page 20 of 26
CREDIT REPORT CREATED ON 2024/06/12

Historical Data

Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2023 Feb 0 IDR 0 - IDR 0 IDR 0 Paid off

2023 Jan 0 IDR 1 - IDR 9.683.258 IDR 0 Active Facilities

2022 Dec 89 IDR 3.510.001 - IDR 12.694.675 IDR 0 Active Facilities

2022 Nov 88 IDR 3.510.001 - IDR 13.383.342 IDR 0 Active Facilities

2022 Oct 89 IDR 3.510.001 - IDR 14.048.101 IDR 0 Active Facilities

2022 Sep 89 IDR 3.510.001 - IDR 14.689.782 IDR 0 Active Facilities

2022 Aug 59 IDR 2.340.001 - IDR 14.689.782 IDR 0 Active Facilities

2022 Jul 89 IDR 3.510.001 - IDR 15.907.086 IDR 0 Active Facilities

2022 Jun 58 IDR 2.340.001 - IDR 15.907.086 IDR 0 Active Facilities

2022 May 28 IDR 1.170.000 - IDR 15.907.086 IDR 0 Active Facilities

2022 Apr 58 IDR 2.340.001 - IDR 17.041.336 IDR 0 Active Facilities

2022 Mar 28 IDR 1.170.001 - IDR 17.041.336 IDR 0 Active Facilities

2022 Feb 0 IDR 0 - IDR 0 IDR 0 -

2022 Jan 28 IDR 2.340.000 - IDR 17.041.336 IDR 0 Active Facilities

2021 Dec 28 IDR 1.170.001 - IDR 17.041.336 IDR 0 Active Facilities

2021 Nov 0 IDR 1 - IDR 17.041.336 IDR 0 Active Facilities

2021 Oct 89 IDR 3.510.001 - IDR 17.041.336 IDR 0 Active Facilities

2021 Sep 58 IDR 2.340.001 - IDR 17.041.336 IDR 0 Active Facilities

2021 Aug 28 IDR 1.170.001 - IDR 17.041.336 IDR 0 Active Facilities

2021 Jul 0 IDR 1 - IDR 17.041.336 IDR 0 Active Facilities

2021 Jun 0 IDR 1 - IDR 17.041.336 IDR 0 Active Facilities

2021 May 0 IDR 1 - IDR 17.041.336 IDR 0 Active Facilities

2021 Apr 86 IDR 3.510.001 - IDR 17.041.336 IDR 0 Active Facilities

2021 Mar 56 IDR 2.340.001 - IDR 17.041.336 IDR 0 Active Facilities

CONFIDENTAL Page 21 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Murabahah Receivables SAM1801314 2018/09/03
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
SAM1801314 2018/09/03 - 2018/09/03
Debtor Category Usage Type Usage Orientation Economic Sector
Not a Debtor of Micro, Small and Consumption Other OTHER PERSONAL SERVICE
Medium Enterprises ACTIVITIES
City Project Value Type of Interest Rate Interest Rate
Kota Samarinda - Margin 43,16 %
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 18.599.275 IDR 8.861.517 - IDR 0
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
0 IDR 0 0 0
Bad Credit Cause Bad Credit Date Penalty
- - -

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 3.510.001 3 2022/12/31 89
Max Days Past Due Date Worst Status Worst Status Date
2022/12/31 In Special Attention (DPD 1-89) 2022/12/31

Detail of Credit / Financing 8: Loans for joint financing (Syndication) - Closed in advance

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Financing Company PT KB Finansia O00445638 05193016011224 Borrower 2023/03/10 -

Multi Finance

Start Date Due Date Past Due Status Contract Status

2016/10/11 2017/09/11 Current Transferred / sold to other non-
reporting institutions
Contract Status Date Information
2023/02/28 -

CONFIDENTAL Page 22 of 26
CREDIT REPORT CREATED ON 2024/06/12

Historical Data

Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2023 Feb 0 IDR 0 - IDR 0 IDR 0 Transferred / sold to other non-reporting institutions

2023 Jan 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Dec 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Nov 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Oct 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Sep 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Aug 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Jul 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Jun 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 May 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Apr 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Mar 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Feb 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2022 Jan 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Dec 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Nov 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Oct 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Sep 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Aug 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Jul 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Jun 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 May 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Apr 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

2021 Mar 210 IDR 6.115.500 Others IDR 3.953.327 IDR 0 Written off

CONFIDENTAL Page 23 of 26
CREDIT REPORT CREATED ON 2024/06/12

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Conventional 05193016011224 2016/10/11
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
05193016011224 2016/10/11 - 2016/10/11
Debtor Category Usage Type Usage Orientation Economic Sector
Not a Debtor of Micro, Small and Consumption Other OTHER PERSONAL SERVICE
Medium Enterprises ACTIVITIES
City Project Value Type of Interest Rate Interest Rate
Kota Samarinda - Fixed Interest Rates 82,21 %
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 4.782.000 - - IDR 0
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
0 IDR 0 0 0
Bad Credit Cause Bad Credit Date Penalty
- - -

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 6.115.500 0 - 210
Max Days Past Due Date Worst Status Worst Status Date
2023/01/31 Bad (DPD 180+) 2023/01/31

Detail of Credit / Financing 9: Loans provided - Active

Provider Type Provider CB Contract Code Provider Contract No. Role Last Update Date Facility Status

Financing Company PT Mandala 106550108 710619120043 Borrower 2020/06/10 -

Multifinance

Start Date Due Date Past Due Status Contract Status

2019/12/12 2021/12/12 Current Active Facilities
Contract Status Date Information
- -

CONFIDENTAL Page 24 of 26
CREDIT REPORT CREATED ON 2024/06/12

Historical Data
Reference Date Days Past Due Overdue Bad Credit Cause Debit Balance Current Month Realization Contract Status

2020 May 0 IDR 45.185 - IDR 18.632.879 IDR 22.066.691 Active Facilities

2020 Apr 0 IDR 45.185 - IDR 19.359.655 IDR 22.066.691 Active Facilities

2020 Mar 0 IDR 0 - IDR 20.065.850 IDR 22.066.691 Active Facilities

2020 Feb 0 IDR 0 - IDR 20.752.046 IDR 22.066.691 Active Facilities

2020 Jan 0 IDR 0 - IDR 21.418.810 IDR 22.066.691 Active Facilities

2019 Dec 0 IDR 0 - IDR 0 IDR 0 -

Granted Credits
Characteristic Credit Agreement Credit Original Agreement Number Original Agreement Date
Others Murabahah Receivables 710619120043 2019/12/12
Final Agreement Number Final Agreement Date Credit Frequency Credit Start Date
710619120043 2019/12/12 - 2019/12/12
Debtor Category Usage Type Usage Orientation Economic Sector
Debtor SMEs-With Credit Consumption Other Unspecified Personal Activities
Guarantee or Insurance or Other
Guarantees-Small
City Project Value Type of Interest Rate Interest Rate
Kab. Kota Baru - Margin 34,97 %
Financing Program
Non Government Program Loans

Credit Limit/Debit Balance

Initial Credit Limit Credit Limit Current Month Realization Debit Balance
IDR 22.066.691 IDR 22.066.691 IDR 22.066.691 IDR 18.632.879
Value in Original Currency
-

Overdue
Principal Overdue Amount Interest Overdue Amount Days Past Due Overdue Payments Number
0 IDR 0 0 0
Bad Credit Cause Bad Credit Date Penalty
- - IDR 45.185

Restructuring
Restructuring Plan Initial Restructuring Date Final Restructuring Date Frequency of Restructuring
- - - -

Credits Maximum
Max Overdue Payments Amount Max Overdue Payments Number Max Overdue Payments Number Date Max Days Past Due
IDR 45.185 0 - 0
Max Days Past Due Date Worst Status Worst Status Date
- Current 2020/05/31

CONFIDENTAL Page 25 of 26
CREDIT REPORT CREATED ON 2024/06/12

Detail of Collaterals 1: Collateral / Other Guarantee

Provider Type Provider Last Update Date Attribute Status

Islamic Finance Company PT Mandala Multifinance (UUS) 2020/06/10 -

Granted Collateral
Collateral Number Collateral Status Rating Rating Institution
7106191200431 Available - -
Bind Type Bind Date Collateral Owner Name Proof of Ownership
Others 2019/12/12 MUHAMMAD WELLY KRISTANTO 7106191200431
Common Collateral Status Common Collateral Percentage Joint Account Credit Status Insured
No - No Yes
Information
-
Collateral Value
Collateral Value NJOP Collateral Value Reporter Assessment Date Reporter Collateral Value Indipendent Assersors
IDR 23.667.000 IDR 23.667.000 2019/12/06 -
Independent Assessors Name Assessment Date Indipendent Assersors
-

Collateral Address
Address
JL. SUNGAI TAIB,Other Undefined

Detail of Guarantor 1: Individual

Provider Type Provider Last Update Date Attribute Status

Islamic Finance Company PT Mandala Multifinance 2020/06/10 -

Granted Guarantor
Guarantor Name as ID Guarantor Full Name Percentage Guaranteed Information
BUNGA SELVIANA BUNGA SELVIANA - -

Guarantor Identity
Identity Type Identity Number
ID CARD 6302098904020001

Guarantor Address
Address
JL. PLUM RATU MANDIN

CONFIDENTAL Page 26 of 26