Pefindo Suami Meriyanrti PDF

User name: MUHAMMAD SYAHRIR FANZURI
Report Date: 2018-11-22

Reference Number: 165D-8D77-0D83-43B6
PEFINDO Report Plus

C Tjahjo Joewono
KTP 7371111706740008 PEFINDO ID 9633914466
Date of Birth 1974-06-17 Address Pondok Asri I Blok B3 No 12, Makassar,

Kota. 90000, N/A, Ujungpandang, ID
Credit Data Available Yes
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Dashboard
PEFINDO Score (PS)
Very High Trend PEFINDO

E1 Risk
556 Score
Inquiries
Number of Inquiries Inquiring subscribers

3 during last 12 months
1 during last 12 months
Contracts
Payments Profile
Payments Profile Past Due Amount Sum (Open Contracts) IDR 56,115
status
Worst Current Arrears 310 Days
Worst Arrears Last 12 Months 310 Days
Number of Different Creditors 3
Open Contracts
OPENED
SECTOR TYPE TOTAL BALANCE PAST DUE
UPDATED
2013-12-20 IDR 56,115

Banking Credit Card IDR 5,000,000 IDR 56,115
2018-09-30 310 Days
Sum - Debtor / Co-debtor 1 IDR 5,000,000 IDR 56,115 IDR 56,115
Closed Contracts
CLOSED
SECTOR TYPE TOTAL BALANCE PAST DUE
STATUS
IDR 0
Banking Credit Card Settled IDR 5,000,000 IDR 0
0 Days
2017-04-10 IDR 0
BPR Murabahah IDR 100,000,000 IDR 0
Settled 0 Days
2015-09-23 IDR 0
Banking Co-Financing IDR 0 IDR 0
Settled 0 Days
Sum - Debtor / Co-debtor 3 IDR 105,000,000 IDR 0 IDR 0
Summary Calendar of Payments

MONTH/YEAR 12/2017 1/2018 2/2018 3/2018 4/2018 5/2018 6/2018 7/2018 8/2018 9/2018 10/2018 11/2018
Delinquency Status
2 / 20
Payments 12 / 2017 - 11 / 2018
DAYS
PERIOD CONTRACTS SUBMITTED PAST DUE COLLECTABILITY OUTSTANDING
PAST DUE
11/2018 0 No Data No Data Not Specified No Data
9/2018 1 IDR 56,115 310 5 - Delinquent IDR 56,115
5/2018 1 IDR 0 0 1 - Current IDR 0
4/2018 1 IDR 0 0 1 - Current IDR 0
2/2018 1 IDR 56,115 60 2 - Special Mention IDR 56,115
Collaterals
Number of Collaterals Total Value of All Collaterals IDR 0

0 Highest Collateral Tax Value IDR 0
Type of Highest Collateral Tax Value
Securities
Number of Active Securities

0
Other Liabilities
Number of Open Agreements

0
Involvements
Number of Active Involvements

0
Relations
Number of Number of
0 known relations
0 known involvements
PEFINDO Alert Quest (PAQ)
3 / 20
Number of Number of
0 CIQ Fraud Alerts
0 CIQ Fraud Alerts
Third Party
Disputes
Number of Sum of False Court registered disputes

0 Active disputes
0 Disputes in the Past
0
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Personal Information
NAME
Full Name C Tjahjo Joewono Mother's Maiden Name Maming
Alias
ADDRESSES
Contact Address Pondok Asri I Blok B3 No 12, Makassar, Kota. 90000, N/A, Ujungpandang, ID
CONTACTS
Mobile 0
Fixed Line 04110
MAIN IDS
KTP 7371111706740008 NPWP 982717340801000
BIRTH DATA
Date of Birth 1974-06-17 Place of Birth OTH
MAIN PERSONAL DATA

Gender Male Citizenship Indonesia
Social Status Not Specified
Classification Individual
OTHER IDS
Passport PEFINDO ID 9633914466
EMPLOYMENT, EDUCATION
Employment Other Employer Sector Others, Others
Employer Name BOSOWA PASIR BARA PT Education No Education
DISPUTES
No. of Closed Disputes 0 No. of False Disputes 0
Historical Information
Subject Info Updates
ITEM CHANGE VALID FROM VALID UNTIL
Full Name C Tjahjo Joewono 2016-03-31 2018-01-31
Full Name C TJAHJO JOEWONO 2018-01-31 2018-04-30
Mother's Maiden Name Maming 2016-03-31 2018-01-31
Mother's Maiden Name MAMING 2018-01-31 2018-04-30
EmployerSector Others, Others 2016-03-31 2018-01-31
ID Updates
No Data
Address Updates
Pondok Asri I Blok B3 No 12, Makassar, Kota. 90000, N/A,

Contact Address 2016-03-31 2018-01-31
Ujungpandang, ID
PONDOK ASRI I BLOK B3 NO 12, Kota Makassar 90000,

Contact Address 2018-01-31 2018-04-30
UJUNGPANDANG, N/A, ID
Contact Updates
Mobile Phone 04110 2016-03-31 2018-01-31
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PEFINDO Score (PS)
PEFINDO SCORE INFO
PEFINDO Score 556 PEFINDO Grade E1
Probability of Default (%) 35.42 Description Very High Risk
Very High Risk High Risk Average Risk Low Risk Very Low Risk
Reason Codes
CODE DESCRIPTION
MSM1 Several instalments were delinquent during last 3 months
MTP1 No months with timely payments after delinquency on at least one open contract
MDE1 5 or more months with delinquencies last 12 months
AMO4 Overdue amount during last 3 months
WOF4 1 contract was written off last 24 months
SCORE HISTORY
MONTH/YEAR 11/2017 12/2017 1/2018 2/2018 3/2018 4/2018 5/2018 6/2018 7/2018 8/2018 9/2018 10/2018
PEFINDO Score 639 639 653 559 559 576 607 250 250 250 250 250
Probability of Default 7.46% 7.46% 5.51% 33.85% 33.85% 25.68% 14.44% 100% 100% 100% 100% 100%
PEFINDO Grade D1 D1 C2 E1 E1 D3 D2 E3 E3 E3 E3 E3
PEFINDO Alert Quest (PAQ)

No Data.
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Contracts List, Role: Main Debtor
SECTOR TYPE OPENED STATUS TOTAL BALANCE PAST DUE ARREARS
Banking Credit Card 2013-12-20 Written off IDR 5,000,000 IDR 56,115 IDR 56,115 310 Days
Banking Credit Card 2013-12-20 Settled IDR 5,000,000 IDR 0 IDR 0
BPR Murabahah 2015-09-21 Settled IDR 100,000,000 IDR 0 IDR 0
Banking Co-Financing 2013-02-27 Settled IDR 0 IDR 0 IDR 0
Sum IDR 110,000,000 IDR 56,115 IDR 56,115
Contracts List, Role: Guarantor

No Data.
Contracts Summary
SUMMARY OF ALL CONTRACTS
Worst Past Due Amount IDR 4,236,113 Last Delinquency (90+ days in due) 2018-09-30
Worst No. of Due Days 310
AS MAIN DEBTOR / CO-DEBTOR - OPEN CONTRACTS

Total Amount Sum IDR 5,000,000 No. of Open Contracts 1
Past Due Amount Sum IDR 56,115 No. of Closed Contracts 3
Outstanding Amount Sum IDR 56,115
AS GUARANTOR - OPEN CONTRACTS

Total Amount Sum - No. of Open Contracts 0
Past Due Amount Sum - No. of Closed Contracts 0
Outstanding Amount Sum -
Summary Payment Calendar

MONTH/YEAR 12/2017 1/2018 2/2018 3/2018 4/2018 5/2018 6/2018 7/2018 8/2018 9/2018 10/2018 11/2018
Delinquency Status
7 / 20
Payments 12 / 2017 - 11 / 2018
DAYS
PAST DUE
5/2018 1 IDR 0 0 1 - Current IDR 0
4/2018 1 IDR 0 0 1 - Current IDR 0
Payments 12 / 2016 - 11 / 2017
DAYS
PAST DUE
11/2017 1 IDR 0 0 1 - Current IDR 0
10/2017 1 IDR 0 0 1 - Current IDR 0
9/2017 1 IDR 156,115 75 3 - Substandard IDR 156,115
8/2017 1 IDR 0 0 1 - Current IDR 0
7/2017 1 IDR 0 0 1 - Current IDR 0
6/2017 1 IDR 0 0 1 - Current IDR 0
5/2017 1 IDR 0 0 1 - Current IDR 0
4/2017 2 IDR 0 0 1 - Current IDR 0
3/2017 2 IDR 3,943,684 69 2 - Special Mention IDR 63,955,359
12/2016 2 IDR 2,588,115 40 1 - Current IDR 63,972,179
8 / 20
Payments 12 / 2015 - 11 / 2016
DAYS
PAST DUE
11/2016 2 IDR 4,236,113 70 1 - Current IDR 65,592,177
10/2016 2 IDR 2,849,228 40 1 - Current IDR 64,205,292
9/2016 2 IDR 2,543,861 9 1 - Current IDR 91,042,335
8/2016 2 IDR 0 0 1 - Current IDR 89,619,122
7/2016 2 IDR 0 0 1 - Current IDR 90,710,379
6/2016 2 IDR 0 0 1 - Current IDR 91,772,128
5/2016 2 IDR 0 0 1 - Current IDR 92,804,369
4/2016 2 IDR 0 0 1 - Current IDR 93,807,102
3/2016 2 IDR 0 0 1 - Current IDR 94,780,326
2/2016 1 IDR 23,327 8 1 - Current IDR 95,749,855
1/2016 1 IDR 0 0 1 - Current IDR 96,638,250
12/2015 1 IDR 0 0 1 - Current IDR 97,522,950
Summary for Banking

Total Amount Sum IDR 5,000,000 No. of Open Contracts 1
Past Due Amount Sum IDR 56,115 No. of Closed Contracts 2
Outstanding Amount Sum IDR 56,115

Summary for BPR


Contracts Details
Open Contracts as Debtor
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Credit Card
CONTRACT DETAILS
Role of Client Main Debtor, Main Applicant Phase of Contract Open
Contract Type Credit Card Contract Status Written off
Purpose of Financing Other Consumer Credit Negative Status 5 - Delinquent
Economic Sector Others, Others Syndicated Loan No
Credit Classification Not Specified Name of Insured
Contract Currency IDR Creditor Type Banking
Contract Code Creditor PT. BANK BUKOPIN
KEY DATES
Disbursement Date 2013-12-20 Restructuring Date
Start Date 2013-12-20 Maturity Date 2018-10-16
Last update 2018-09-30 Real End Date
Condition Date 2018-05-23
INITIAL CONTRACT DETAILS

Total Amount IDR 5,000,000 Initial Agreement No.
Initial Total Amount - Initial Agreement Date
Total Taken Amount IDR 5,000,000
CURRENT CONTRACT DETAILS

Total Facility Amount IDR 5,000,000 Last Agreement No.
Outstanding Amount IDR 56,115 Last Agreement Date
Principal Balance IDR 56,115 Credit Usage in Last 30 -

Days
Penalty IDR 0
PAST DUE STATUS

Past Due Amount IDR 56,115 Past Due Days 310
Past Due Interest IDR 0 Last Delinquency (90+ days in 2018-09-30

due)
Worst Past Due Amount IDR 56,115
Delinquency Date 2017-11-24
Principal Arrears IDR 56,115
Default Date 2018-05-23
Principal Arrears Freq. 11
Default Reason Bad Faith
Interest Arrears -
Default Description
Interest Arrears Freq.
OTHER RELATED SUBJECTS

No Data.
DISPUTES
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MONTH/YEAR 12/2017 1/2018 2/2018 3/2018 4/2018 5/2018 6/2018 7/2018 8/2018 9/2018 10/2018 11/2018
Delinquency Status
Payments 12 / 2017 - 11 / 2018
DAYS
PERIOD PAST DUE COLLECTABILITY OUTSTANDING
PAST DUE
11/2018 No Data No Data Not Specified No Data
9/2018 IDR 56,115 310 5 - Delinquent IDR 56,115
5/2018 IDR 0 0 1 - Current IDR 0
2/2018 IDR 56,115 60 2 - Special Mention IDR 56,115
Closed Contracts as Debtor
11 / 20
Credit Card
CONTRACT DETAILS
Role of Client Main Debtor, Main Applicant Phase of Contract Closed
Contract Type Credit Card Contract Status Settled
Purpose of Financing Other Consumer Credit Negative Status 1 - Current
Credit Classification Non MSME Name of Insured
Contract Code Creditor PT. BANK BUKOPIN
KEY DATES
Last update 2017-11-30 Real End Date
Condition Date

Total Amount IDR 5,000,000 Initial Agreement No.
Initial Total Amount - Initial Agreement Date

Total Facility Amount - Last Agreement No.
Outstanding Amount IDR 0 Last Agreement Date
Principal Balance IDR 0 Credit Usage in Last 30 -

Days
Penalty IDR 0
PAST DUE STATUS

Past Due Amount IDR 0 Past Due Days 0
Past Due Interest IDR 0 Last Delinquency (90+ days in

due)
Worst Past Due Amount IDR 156,115
Delinquency Date
Principal Arrears IDR 0
Default Date
Default Reason Not Specified
Interest Arrears IDR 0
Default Description
Interest Arrears Freq. 0

No Data.
DISPUTES
12 / 20
MONTH/YEAR 12/2017 1/2018 2/2018 3/2018 4/2018 5/2018 6/2018 7/2018 8/2018 9/2018 10/2018 11/2018
Delinquency Status
Payments 12 / 2017 - 11 / 2018
DAYS
PAST DUE
Payments 12 / 2016 - 11 / 2017
DAYS
PAST DUE
11/2017 IDR 0 0 1 - Current IDR 0
10/2017 IDR 0 0 1 - Current IDR 0
9/2017 IDR 156,115 75 3 - Substandard IDR 156,115
12/2016 IDR 0 0 1 - Current IDR 28,000
13 / 20
Payments 12 / 2015 - 11 / 2016
DAYS
PAST DUE
11/2016 IDR 0 0 1 - Current IDR 0
10/2016 IDR 0 0 1 - Current IDR 0
14 / 20
Murabahah
CONTRACT DETAILS
Contract Type Murabahah Contract Status Settled
Credit Classification Other Micro Ent Name of Insured
Contract Currency IDR Creditor Type BPR
Contract Code Creditor PT BPRS DANA MONETER
KEY DATES
Last update 2017-04-30 Real End Date 2017-04-10

Total Amount IDR 100,000,000 Initial Agreement No. 00568/01.16/BPRS-DM/IX/15
Initial Total Amount - Initial Agreement Date 2015-09-21

Total Facility Amount IDR 100,000,000 Last Agreement No. 00568/01.16/BPRS-DM/IX/15
Outstanding Amount IDR 0 Last Agreement Date 2015-09-21

Days
Penalty IDR 0
PAST DUE STATUS


due)
Worst Past Due Amount IDR 4,236,113
Delinquency Date
Default Date
Default Description

No Data.
DISPUTES
15 / 20
MONTH/YEAR 5/2016 6/2016 7/2016 8/2016 9/2016 10/2016 11/2016 12/2016 1/2017 2/2017 3/2017 4/2017
Delinquency Status
Payments 5 / 2016 - 4 / 2017
DAYS
PAST DUE
3/2017 IDR 3,857,139 69 1 - Current IDR 63,868,814
2/2017 IDR 3,983,481 69 1 - Current IDR 63,995,156
1/2017 IDR 3,915,984 71 1 - Current IDR 65,272,048
12/2016 IDR 2,588,115 40 1 - Current IDR 63,944,179
11/2016 IDR 4,236,113 70 1 - Current IDR 65,592,177
10/2016 IDR 2,849,228 40 1 - Current IDR 64,205,292
9/2016 IDR 2,543,861 9 1 - Current IDR 91,042,335
8/2016 IDR 0 0 1 - Current IDR 89,619,122
7/2016 IDR 0 0 1 - Current IDR 90,710,379
6/2016 IDR 0 0 1 - Current IDR 91,772,128
5/2016 IDR 0 0 1 - Current IDR 92,804,369
Payments 5 / 2015 - 4 / 2016
DAYS
PAST DUE
4/2016 IDR 0 0 1 - Current IDR 93,807,102
3/2016 IDR 0 0 1 - Current IDR 94,780,326
2/2016 IDR 23,327 8 1 - Current IDR 95,749,855
1/2016 IDR 0 0 1 - Current IDR 96,638,250
12/2015 IDR 0 0 1 - Current IDR 97,522,950
11/2015 IDR 0 0 1 - Current IDR 98,378,142
10/2015 IDR 0 0 1 - Current IDR 99,203,825
9/2015 IDR 0 0 1 - Current IDR 100,000,000
16 / 20
Co-Financing
CONTRACT DETAILS
Contract Type Co-Financing Contract Status Settled
Economic Sector Other - Vehicles Syndicated Loan No
Credit Classification Non MSME Name of Insured
Contract Code Creditor PT. BANK CENTRAL ASIA, TBK.
KEY DATES
Last update 2015-09-30 Real End Date 2015-09-23

Total Amount IDR 0 Initial Agreement No. 09709920000395001
Initial Total Amount - Initial Agreement Date 2013-02-26
Total Taken Amount IDR 0

Total Facility Amount IDR 99,750,000 Last Agreement No. 09709920000395001
Outstanding Amount IDR 0 Last Agreement Date 2013-02-26

Days
Penalty IDR 0
PAST DUE STATUS


due)
Worst Past Due Amount IDR 0
Delinquency Date
Default Date
Default Description

No Data.
DISPUTES
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MONTH/YEAR 10/2014 11/2014 12/2014 1/2015 2/2015 3/2015 4/2015 5/2015 6/2015 7/2015 8/2015 9/2015
Delinquency Status
Payments 10 / 2014 - 9 / 2015
DAYS
PAST DUE
8/2015 IDR 0 0 1 - Current IDR 52,536,320
7/2015 IDR 0 0 1 - Current IDR 54,184,041
6/2015 IDR 0 0 1 - Current IDR 55,821,527
5/2015 IDR 0 0 1 - Current IDR 57,448,843
4/2015 IDR 0 0 1 - Current IDR 59,066,051
3/2015 IDR 0 0 1 - Current IDR 60,673,215
2/2015 IDR 0 0 1 - Current IDR 63,857,656
1/2015 IDR 0 0 1 - Current IDR 63,857,656
12/2014 IDR 0 0 1 - Current IDR 65,435,058
11/2014 IDR 0 0 1 - Current IDR 67,002,663
Open Contracts as Guarantor

No Contracts
Closed Contracts as Guarantor

No Contracts
Open Group Contracts

No Contracts
Closed Group Contracts

No Contracts
Collaterals
No data.
Securities
No data.
18 / 20
Other Liabilities
No data.
Involvements
No data.
Related Parties
No Data.
Involvements
No Data.
Contract Relations
No Data.
Inquiries
No. of Inquiries During Last Months
1 month 3 months 6 months 12 months 24 months
2 3 3 3 3
Last 15 inquiries
INQUIRY DATE PURPOSE SECTOR
Non Banking Financial

2018-11-13 Monitoring Debtor or Customer
Institutions

Institutions

Institutions
Disputes
No data.
19 / 20
Disclaimer PBK
This Credit Information is based on data collected from Debtor Information System of Bank Indonesia / Financial Information Services System (SLIK) of Financial Service
Authority (OJK), Financial Institutions who are Members or Partners of PEFINDO Biro Kredit (PBK), public institutions as well as private entities who are data sources to PBK.
PBK is not responsible for correctness and accuracy of the data collected from the data providers.
PBK is not responsible for all outcomes arising from the data incorrectness and inaccuracy and the use of the Credit Information in the future.
PBK accepts complaint on indication of the data incorrectness and inaccuracy and will follow-up in accordance with the prevailing laws and regulations.
END OF REPORT
Pefindo Biro Kredit
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User name: MUHAMMAD SYAHRIR FANZURI

Report Date: 2018-11-22

PEFINDO Report Plus

KTP 7371111706740008 PEFINDO ID 9633914466

Date of Birth 1974-06-17 Address Pondok Asri I Blok B3 No 12, Makassar,

Credit Data Available Yes

PEFINDO Score (PS)

Very High Trend PEFINDO

Number of Inquiries Inquiring subscribers

2013-12-20 IDR 56,115

Sum - Debtor / Co-debtor 1 IDR 5,000,000 IDR 56,115 IDR 56,115

Sum - Debtor / Co-debtor 3 IDR 105,000,000 IDR 0 IDR 0

Summary Calendar of Payments

11/2018 0 No Data No Data Not Specified No Data

10/2018 0 No Data No Data Not Specified No Data

9/2018 1 IDR 56,115 310 5 - Delinquent IDR 56,115

8/2018 1 IDR 56,115 280 5 - Delinquent IDR 56,115

7/2018 1 IDR 56,115 249 5 - Delinquent IDR 56,115

6/2018 1 IDR 56,115 218 5 - Delinquent IDR 56,115

5/2018 1 IDR 0 0 1 - Current IDR 0

4/2018 1 IDR 0 0 1 - Current IDR 0

3/2018 0 No Data No Data Not Specified No Data

2/2018 1 IDR 56,115 60 2 - Special Mention IDR 56,115

1/2018 1 IDR 56,115 30 2 - Special Mention IDR 56,115

12/2017 0 No Data No Data Not Specified No Data

Number of Collaterals Total Value of All Collaterals IDR 0

Number of Active Securities

Number of Open Agreements

Number of Active Involvements

PEFINDO Alert Quest (PAQ)

Number of Sum of False Court registered disputes

Fixed Line 04110

MAIN PERSONAL DATA

Social Status Not Specified

Employer Name BOSOWA PASIR BARA PT Education No Education

Full Name C Tjahjo Joewono 2016-03-31 2018-01-31

Full Name C TJAHJO JOEWONO 2018-01-31 2018-04-30

Mother's Maiden Name Maming 2016-03-31 2018-01-31

Mother's Maiden Name MAMING 2018-01-31 2018-04-30

EmployerSector Others, Others 2016-03-31 2018-01-31

Pondok Asri I Blok B3 No 12, Makassar, Kota. 90000, N/A,

PONDOK ASRI I BLOK B3 NO 12, Kota Makassar 90000,

Mobile Phone 04110 2016-03-31 2018-01-31

PEFINDO Score 556 PEFINDO Grade E1

Probability of Default (%) 35.42 Description Very High Risk

MSM1 Several instalments were delinquent during last 3 months

MDE1 5 or more months with delinquencies last 12 months

AMO4 Overdue amount during last 3 months

WOF4 1 contract was written off last 24 months

PEFINDO Alert Quest (PAQ)

Banking Credit Card 2013-12-20 Settled IDR 5,000,000 IDR 0 IDR 0

BPR Murabahah 2015-09-21 Settled IDR 100,000,000 IDR 0 IDR 0

Banking Co-Financing 2013-02-27 Settled IDR 0 IDR 0 IDR 0

Sum IDR 110,000,000 IDR 56,115 IDR 56,115

Contracts List, Role: Guarantor

Worst No. of Due Days 310

AS MAIN DEBTOR / CO-DEBTOR - OPEN CONTRACTS

Past Due Amount Sum IDR 56,115 No. of Closed Contracts 3

Outstanding Amount Sum IDR 56,115

AS GUARANTOR - OPEN CONTRACTS

Past Due Amount Sum - No. of Closed Contracts 0

Outstanding Amount Sum -

Summary Payment Calendar