Produk/

Divisi Objective Divisi

• AR Quality Improvement•

1. Current Flow Rate

 2. Current Ratio (>)
RC DIVISION

3. NPF (<)
DIVISION
3. NPF (<)

• Increase Profitability
1. WO (<)
 Rencana Kerja Kepala Area, Rencana Kerja
Strategi Kepala Area Cabang dan Coordinator Kepala Cabang
dan Korkol

nt•
IBRAHIDIN

LAODE SARMIN

LAODE MUH.
SARFIAN
1. Memberikan instruksi penanganan yang
jelas dan Maksimal Lead Time 7 hari dari 1. Tahan Flow Lancar
JTO
SUHARLAN

ARDIANTO

NASRUN

NASRUN

IBRAHIDIN

ARDIANTO

2. Mendeteksi dari awal penyimpangan 2. Tahan Flow Lancar KP12

proses kredit
SUHARLAN

LAODE SARMIN
 LAODE SARMIN

LAODE MUH.
SARFIAN

AHMAD SUFIAN

AHAMD FADLY

1. Penegasan target yang dituju: Target 1. Target BTC 1-30

BTC, Stay dan Rollback
MUH.ADHAR

LAKEEKE

AHAMD FADLY

AHMAD SUFIAN

1. Tahan Flow bucket 3

MUH.ADHAR

LAKEEKE

1. Memberikan instruksi penangan yang

tepat
AHAMD FADLY

AHMAD SUFIAN

2. Rollback Bucket 4

MUH.ADHAR
 2. Rollback Bucket 4

MUH.ADHAR

lAKEEKE

AHAMD FADLY

AHMAD SUFIAN
2. Pembuatan program penanganan Matikan Account di bucket 4,
konsumen: diskon denda, pelunasan, jalur 5 (Lunas & Tarik)
hukum, kerja sama pihak eksternal
MUH.ADHAR

LAKEEKE

AHAMD FADLY

1. Arahan penyelesaian AHMAD SUFIAN

sesuai dengan kasus: Matikan

Excol,Pendampingan Account bucket
Lawyer, LP, 6 (Lunas &
Permohonan eksekusi Tarik)
Fidusia atau pun GS MUH.ADHAR

LAKEEKE
 LAKEEKE

AHAMD FADLY

AHMAD SUFIAN
1. Rollback Bucket 6

MUH.ADHAR

2. Memberikan intruksi penangan yang

tepat LAKEEKE

AHAMD FADLY

AHMAD SUFIAN

2. Rollback Bucket 5

MUH.ADHAR

LAKEEKE
 Ukuran UKURAN PENCAPAIAN
Pencapaian FEBRUARY24 Indikator
(Kuantitatif) ( KUANTITATIF)

Target
Actual
1% 1%
Achieve
Gap
Target
Actual
1% 1%
Achieve
Gap
Target
Actual
1% 1%
Achieve
Gap
Target
Actual
1% 1%
Achieve
Gap
Target
Actual
1% 1%
Achieve
Gap
Target
Actual
1.00% 1.00%
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
 0 0
Gap
Target
Actual
0 0
Achieve
Gap
Target BTC 1-30
Actual
8 40%DARI BAHAN ARO
Target
Actual
Target BTC 1-30
Actual
13 40%DARI BAHAN ARO
Target
Actual
Target BTC 1-30
Actual
13 40%DARI BAHAN ARO
Target
Actual
Target BTC 1-30
Actual
10 40%DARI BAHAN ARO
Target
Actual
Target FLOW Bucket 3
Actual
2 15%DARI BAHAN ARO
Achieve
Gap
Target FLOW Bucket 3
Actual
1 15%DARI BAHAN ARO
Achieve
Gap
Target FLOW Bucket 3
Actual
1unit 15%DARI BAHAN ARO
Achieve
Gap
Target FLOW Bucket 3
Actual
2unit 15%DARI BAHAN ARO
Achieve
Gap
Rollback bucket 4
Actual
0 50% DARI TOTAL BAHN ARO
Achieve
Gap
Rollback bucket 4
Actual
0 50% DARI TOTAL BAHN ARO
Achieve
Gap
Rollback bucket 4
Actual
4unit 50% DARI TOTAL BAHN ARO
Achieve
 4unit 50% DARI TOTAL BAHN ARO
Gap
Rollback bucket 4
Actual
1unit 50% DARI TOTAL BAHN ARO
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
3unit 25% DARI TOTAL BAHAN ARO
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
1unit 25% DARI TOTAL BAHAN ARO
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
5unit 25% DARI TOTAL BAHAN ARO
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
2unit 25% DARI TOTAL BAHAN ARO
Achieve
Gap

Matikan Account bucket 6

Actual
22.269.990 25% DARI TOTAL BAHAN ARO
Achieve

Gap
Matikan Account bucket 6

Actual
3.521.920 25% DARI TOTAL BAHAN ARO
Achieve

Gap
Matikan Account bucket 6

Actual
15.107.810 25% DARI TOTAL BAHAN ARO
Achieve

Gap
Matikan Account bucket 6

Actual
25% DARI TOTAL BAHAN ARO
Achieve
9.838.300
 25% DARI TOTAL BAHAN ARO

9.838.300 Gap
Rollback bucket 6
Actual
22.269.990 50% DARI TOTAL BAHN ARO
Achieve
Gap
Rollback bucket 6

Actual
3.521.920 50% DARI TOTAL BAHN ARO
Achieve

Gap
Rollback bucket 6
Actual
15.107.810 50% DARI TOTAL BAHN ARO
Achieve
Gap
Rollback bucket 6
Actual
50% DARI TOTAL BAHN ARO
Achieve
9.838.300 Gap
Rollback bucket 5
Actual
50% DARI TOTAL BAHN ARO
Achieve
0 Gap
Rollback bucket 5
Actual
50% DARI TOTAL BAHN ARO
Achieve
1 Gap
Rollback bucket 5
Actual
50% DARI TOTAL BAHN ARO
Achieve
2 Gap
Rollback bucket 5
Actual
50% DARI TOTAL BAHN ARO
Achieve
1 Gap
 Hasil Des 2023
1 2 3 4 5

60% 40% 25% 10% 1.00%

0% 57.69% 77.14% 42.59% 1.38%
0.00% 69.34% 32.41% 23.48% 72.46%
10.00% 30.66% 67.59% 76.54% 27.54%
60% 40% 25% 10% 1.00%
25% 52.38% 72.97% 44.68% 1.23%
240.00% 76.37% 34.26% 22.38% 81.30%
-35.00% 23.63% 65.74% 77.62% 18.70%
60% 40% 25% 10% 1.00%
0% 62.07% 85.71% 54% 1.24%
64.44% 29.17% 18.52% 80.65%
-60.00% 22.07% 60.71% 44.00% 0.24%
60% 40% 25% 10% 1.00%
0% 68.42% 90.91% 63.16% 1.32%
58.46% 27.50% 15.83% 75.76%
-60.00% 28.42% 65.91% 53.16% 0.32%
60% 40% 25% 10% 1.00%
0% 35.29% 88.89% 75% 11.49%
113.35% 28.12% 13.33% 8.70%
-60.00% -4.71% 63.89% 65.00% 10.49%
60% 40% 25% 10% 1.00%
0% 35.29% 73.33% 41.38% 1.02%
113.35% 34.09% 24.17% 98.04%
-60.00% -4.71% 48.33% 31.38% 0.02%
0 0 0 0 0
5 5 5 4 1
0.00% 0.00% 0.00% 0.00% 0.00%
5 5 5 4 1
0 0 0 0 0
7 6 5 5 2
0.00% 0.00% 0.00% 0.00% 0.00%
7 6 5 5 2
0 0 0 0 0
9 9 8 5 4
0.00% 0.00% 0.00% 0.00% 0.00%
9 9 8 5 4
0 0 0 0 0
5 4 3 3 1
0.00% 0.00% 0.00% 0.00% 0.00%
5 4 3 3 1
0 0 0 0 0
4 4 4 2 1
0.00% 0.00% 0.00% 0.00% 0.00%
 4 4 4 2 1
0 0 0 0 0
4 3 3 3 1
0.00% 0.00% 0.00% 0.00% 0.00%
4 3 3 3 1
1 4 5 7 9
0 0 0 0 1
0.00% 0.00% 0.00% 0.00% 11.11%
-1 -4 -5 -7 -8
2 7 10 12 13
0 0 1 2 3
0.00% 0.00% 10.00% 16.67% 23.08%
-2 -7 -9 -10 -10
2 5 8 10 13
1 1 3 0 5
50.00% 20.00% 37.50% 0.00% 38.46%
-1 -4 -5 -10 -8
2 4 6 8 10
1 3 5 7 9
50.00% 75.00% 83.33% 87.50% 90.00%
-1 -1 -1 -1 -1
2 2 2 2 2
4 4 3 3 3
50.00% 50.00% 66.67% 66.67% 66.67%
2 2 1 1 1
0 0 0 0 0
0 0 1 1 1
0.00% 0.00% 0.00%
0 0 1 1 1
4 4 4 4 4
6 8 10 13 13
66.67% 50.00% 40.00% 30.77% 30.77%
2 4 6 9 9
2 2 2 2 2
4 4 4 6 6
50.00% 50.00% 50.00% 33.33% 33.33%
2 2 2 4 4
3 3 3 3 3
0 0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-3 -3 -3 -3 -3
1 1 1 1 1
0 0 0 0 1
0.00% 0.00% 0.00% 0.00% 100.00%
-1 -1 -1 -1 0
3 3 3 3 3
0 1 0 0 0
0.00% 33.33% 0.00% 0.00% 0.00%
 -3 -2 -3 -3 -3
2 2 2 2 2
0 0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-2 -2 -2 -2 -2
3 3 3 3 3
0 0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-3 -3 -3 -3 -3
3 3 3 3 3
0 1 0 1 0
0.00% 33.33% 0.00% 33.33% 0.00%
-3 -2 -3 -2 -3
4 4 4 4 4
0 0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-4 -4 -4 -4 -4
1 1 1 1 1
0 0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1 -1

22,269,990 22,269,990 22,269,990 22,269,990 22,269,990

0 0 0 0 0

0.00% 0.00% 0.00% 0.00% 0.00%

-22,269,990 -22,269,990 -22,269,990 -22,269,990 -22,269,990

3,521,920 3,521,920 3,521,920 3,521,920 3,521,920

0 0 0 0 0

0.00% 0.00% 0.00% 0.00% 0.00%

-3,521,920 -3,521,920 -3,521,920 -3,521,920 -3,521,920

15,107,810 15.107.810 15.107.810 15.107.810 15.107.810

0 0 0 0 0

0.00%
-15,107,810 15.107.810 15.107.810 15.107.810 15.107.810
9,838,300 9.838.300 9.838.300 9.838.300 9.838.300

0 0 0 0 9.838.300

0.00%
-9,838,300 -9,838,300 -9,838,300 -9,838,300 -9,838,300
22,269,990 22.269.990 22.269.990 22.269.990 22.269.990
0 0 0 0 0

0.00%
-22,269,990 -22,269,990 -22,269,990 -22,269,990 -22,269,990
3,521,920 3,521,920 3,521,920 3,521,920 3,521,920
0 0 0 0 0

0.00% 0.00% 0.00% 0.00% 0.00%

-3,521,920 -3,521,920 -3,521,920 -3,521,920 -3,521,920
15,107,810 15,107,810 15,107,810 15,107,810 15,107,810
0 0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-15,107,810 -15,107,810 -15,107,810 -15,107,810 -15,107,810
9,838,300 9,838,300 9,838,300 9,838,300 9,838,300
0 0 0 0 9.838.300
0.00% 0.00% 0.00% 0.00% 100.00%
-9838300 -9838300 -9838300 -9838300 -9838300
0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
2 2 2 2 2
1 0 0 2 2
50.00% 0.00% 0.00% 100.00% 100.00%
-1 -2 -2 0 0
1 1 1 1 1
0 0 0 1 1
0.00% 0.00% 0.00% 100.00% 100.00%
-1 -1 -1 0 0
1 1 1 1 1
0 0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1 -1
 Timeline
Jan
1 2 3 4 5 1

60% 40% 25% 10% 1.00% 60%

0% 63.33% 66.67%
63.16% 37.50%
0.00% 270.73% 89.99%
60% 40% 25% 10% 1.00% 60%
100.00% 47.37% 53.13%
60.00% 84.44% 47.05%
40.00% 7.37% 28.13%
60% 40% 25% 10% 1.00% 60%
0% 52.50% 65.91%
76.19% 37.93%
-60.00% 12.50% 40.91%
60.00% 40% 25% 10% 1.00% 60%
0% 59.09% 75.00%
67.69% 33.33%
-60.00% 19.09% 50.00%
60% 40% 25% 10% 1.00% 60%
0% 50.00% 76.67%
80.00% 32.61%
-60.00% 10.00% 51.67%
60% 40% 25% 10% 1.00% 60%
100.00% 60.53% 57.89%
60.00% 66.08% 43.19%
40.00% 20.53% 32.89%
0 0 0 0 0 0
0 14 16
0.00% 0.00%
0 14 16
0 0 0 0 0 0
0 10 14
0.00% 0.00%
0 10 14
0 0 0 0 0 0
0 8 11
0.00% 0.00%
0 8 11
0 0 0 0 0 0
0 9 12
0.00% 0.00%
0 9 12
0 0 0 0 0 0
0 12 6
0.00% 0.00%
 0 12 6
0 0 0 0 0 0
0 7 18
0.00% 0.00%
0 7 18
1 5 6 7 8
0 2 2
0.00% 40.00% 33.33% 0.00% 0.00%
-1 -3 -4 -7 -8 0
2 5 6 10 13
0 1 1
0.00% 20.00% 16.67% 0.00% 0.00%
-2 -4 -5 -10 -13 0
2 5 5 9 13
0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-2 -5 -5 -9 -13 0
2 4 6 8 10
0 0 0
0.00% 0.00% 0.00% 0.00% 0.00%
-2 -4 -6 -8 -10 0
2 2 2 2 2
6 6 6
33.33% 33.33% 33.33%
4 4 4
1 1 1 1 1
6 6 6
16.67% 16.67% 16.67%
5 5 5
1 1 1 1 1
5 5 5
20.00% 20.00% 20.00%
4 4 4
2 2 2
6 4 4
33.33% 50.00% 50.00%
2 2 2
0 0 0
3 3 3

3 3 3
0 0 0
1 1 1

1 1 1
4 4 4
13 13 13
325.00% 325.00% 325.00%
 9 9 9
1 1 1
7 7 7
700.00% 700.00% 700.00%
6 6 6
3 3 3
1 1 1
33.33% 33.33% 33.33%
-2 -2 -2
1 1 1
0 0 0
0.00% 0.00% 0.00%
-1 -1 -1
5 5 5
2 2 2
40.00% 40.00% 40.00%
-3 -3 -3
2 2 2
0 0 0
0.00% 0.00% 0.00%
-2 -2 -2

0 0 0

20,743,100 20,743,100 20,743,100

18,536,550 18,536,550 18,536,550

89.36% 89.36% 89.36%

-2206550 -2206550 -2206550

0 0 0

8,592,960 8,592,960 8,592,960

8,592,960 8,592,960 8,592,960

100.00% 100.00% 100.00%

 0 0 0

0 0 0

0 0 0

0 0 0
20,743,100 20,743,100 20,743,100

0 0 0

0.00% 0.00% 0.00%

-20743100 -20743100 -20743100
0 0 0

8,592,960 8,592,960 8,592,960

0 0 0
0.00% 0.00% 0.00%
-8592960 -8592960 -8592960
0 0 0
0 0 0

1 1 1 1 1
0 1 1
0.00% 100.00% 100.00%
-1 0 0
1 2 3 3 3
0 0 0
0.00% 0.00% 0.00%
-1 -2 -3
1 1 1 1 1
0 0 0
0.00% 0.00% 0.00%
-1 -1 -1
 Feb Apr Mei Jun
2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3

40% 25% 10% 1.00%

40% 25% 10% 1.00%

40% 25% 10% 1.00%

40% 25% 10% 1.00%

40% 25% 10% 1.00%

40% 25% 10% 1.00%

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0
0 0 0 0
Jun Jul
4 5 1 2 3 4 5
Produk/ Objective Divisi
Divisi

• AR Quality Improvement• AR Quality Improvement• AR Quality Improvement

1. Current Flow Rate

2. Current Ratio (>)

 2. Current Ratio (>)
RC DIVISION

3. NPF (<)
ON
3. NPF (<)

• Increase Profitability 1. WO
(<)
• Increase Profitability 1. WO
(<)
 Rencana Kerja
Strategi Kepala Area Rencana Kerja Kepala Area, Kepala Cabang
Cabang dan Coordinator dan Korkol

nt• AR Quality Improvement

IBRAHIDIN

LAODE SARMIN

LAODE MUH.
SARFIAN
1. Memberikan instruksi penanganan yang
jelas dan Maksimal Lead Time 7 hari dari 1. Tahan Flow Lancar
JTO
SUHARLAN

ARDIANTO

NASRUN

NASRUN

IBRAHIDIN

ARDIANTO

2. Mendeteksi dari awal penyimpangan 2. Tahan Flow Lancar KP12

proses kredit
SUHARLAN

LAODE SARMIN
 LAODE SARMIN

LAODE MUH.
SARFIAN

AHMAD SUFIAN

AHAMD FADLY
1. Penegasan target yang dituju: Target 1. Target BTC 1-30
BTC, Stay dan Rollback

MUH.ADHAR

LAKEEKE

AHAMD FADLY

AHMAD SUFIAN

1. Tahan Flow bucket 3

MUH.ADHAR

LAKEEKE

1. Memberikan instruksi penangan yang

tepat
AHAMD FADLY

AHMAD SUFIAN

2. Rollback Bucket 4

MUH.ADHAR
 2. Rollback Bucket 4

MUH.ADHAR

lAKEEKE

AHAMD FADLY

AHMAD SUFIAN
2. Pembuatan program penanganan
konsumen: diskon denda, pelunasan, jalur Matikan Account di bucket 4,
hukum, kerja sama pihak eksternal 5 (Lunas & Tarik)
MUH.ADHAR

LAKEEKE

AHAMD FADLY

1. Arahan penyelesaian
sesuai dengan kasus: Matikan AHMAD SUFIAN
Excol,Pendampingan Account bucket
Lawyer, LP, 6 (Lunas &
Permohonan eksekusi Tarik)
Fidusia atau pun GS
MUH.ADHAR

LAKEEKE

AHAMD FADLY
 AHAMD FADLY

AHMAD SUFIAN

1. Rollback Bucket 6

MUH.ADHAR

LAKEEKE

2. Memberikan intruksi penangan yang

tepat
AHAMD FADLY

AHMAD SUFIAN

2. Rollback Bucket 5

MUH.ADHAR

LAKEEKE
 Ukuran UKURAN PENCAPAIAN
Pencapaian FEBRUARY24 Indikator
(Kuantitatif) ( KUANTITATIF)

Target
Actual
0.75% 0.75%
Achieve
Gap
Target
Actual
0.75% 0.75%
Achieve
Gap
Target
Actual
0.75% 0.75%
Achieve
Gap
Target
Actual
0.75% 0.75%
Achieve
Gap
Target
Actual
0.75% 0.75%
Achieve
Gap
Target
Actual
0.75% 0.75%
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
Gap
Target
Actual
0 0
Achieve
 0 0
Gap
Target
Actual
0 0
Achieve
Gap
Target BTC 1-30
Actual
5 50% DARI TOTAL BAHAN Target
Actual
Target BTC 1-30
Actual
1unit 50% DARI TOTAL BAHAN
Target
Actual
Target BTC 1-30
Actual
1unit 50% DARI TOTAL BAHAN
Target
Actual
Target BTC 1-30
Actual
2 50% DARI TOTAL BAHAN
Target
Actual
Target FLOW Bucket 3
Actual
0 50% DARI TOTAL BAHAN
Achieve
Gap
Target FLOW Bucket 3
Actual
0 50% DARI TOTAL BAHAN
Achieve
Gap
Target FLOW Bucket 3
Actual
0 50% DARI TOTAL BAHAN
Achieve
Gap
Target FLOW Bucket 3
Actual
0 50% DARI TOTAL BAHAN
Achieve
Gap
Rollback bucket 4
Actual
1 50% DARI TOTAL BAHAN
Achieve
Gap
Rollback bucket 4
Actual
0 50% DARI TOTAL BAHAN
Achieve
Gap
Rollback bucket 4
Actual
1 50% DARI TOTAL BAHAN
Achieve
 1 50% DARI TOTAL BAHAN
Gap
Rollback bucket 4
Actual
0 50% DARI TOTAL BAHAN
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
1 50% DARI TOTAL BAHAN
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
50% DARI TOTAL BAHAN
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
1 50% DARI TOTAL BAHAN
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
1 50% DARI TOTAL BAHAN
Achieve
Gap

Matikan Account bucket 6

Actual
146,733,590 50% DARI TOTAL BAHAN
Achieve

Gap
Matikan Account bucket 6

Actual
71,644,670 50% DARI TOTAL BAHAN
Achieve

Gap
Matikan Account bucket 6

Actual
0% 50% DARI TOTAL BAHAN
Achieve

Gap
Matikan Account bucket 6
Actual
50% DARI TOTAL BAHAN
Achieve
0.00% Gap
Rollback bucket 6
146,733,590 50% DARI TOTAL BAHAN
 Actual
146,733,590 50% DARI TOTAL BAHAN
Achieve
Gap
Rollback bucket 6
Actual
71,644,670 50% DARI TOTAL BAHAN
Achieve
Gap
Rollback bucket 6
Actual
50% DARI TOTAL BAHAN
Achieve
0 Gap
Rollback bucket 6
Actual
50% DARI TOTAL BAHAN
Achieve
0 Gap
Rollback bucket 5
Actual
50% DARI TOTAL BAHAN
Achieve
0 Gap
Rollback bucket 5
Actual
Achieve
0 50% DARI TOTAL BAHAN Gap
Rollback bucket 5
Actual
50% DARI TOTAL BAHAN
Achieve
1unit Gap
Rollback bucket 5
Actual
50% DARI TOTAL BAHAN
Achieve
1unit Gap
 Hasil Des 2023
1 2 3 4

60% 40% 25% 10%

0% 66.67% 100.00% 81.25%
60.00% 25.00% 12.31%
-60.00% 26.67% 75.00% 71.25%
60% 40% 25% 10%
0% 0.00% 85.71% 87.50%
29.17% 11.43%
-60.00% -40.00% 60.71% 77.50%
60% 40% 25% 10%
0% 57.14% 85.71% 50%
70.00% 29.17% 20.00%
-60.00% 17.14% 60.71% 40.00%
60% 40% 25% 10%
0% 40.00% 71.43% 75.00%
100.00% 35.00% 13.33%
-60.00% 0.00% 46.43% 65.00%
60% 40% 25% 10%
0% 75.00% 66.67% 71%
53.33% 37.50% 14.00%
-60.00% 35.00% 41.67% 61.43%
60% 40% 25% 10%
0% 0.00% 100.00% 54.55%
25.00% 18.33%
-60.00% -40.00% 75.00% 44.55%
0 0 0 0

0 0 0 0
0 0 0 0

0 0 0 0
0 0 0 0

0 0 0 0
0 0 0 0

0 0 0 0
0 0 0 0
 0 0 0 0
0 0 0 0

0 0 0 0
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 1 1 1
0 0 1 1
0.00% 0.00% 100.00% 100.00%
-1 -1 0 0
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 1 2 2
0 0 0 1
0.00% 0.00% 0.00% 50.00%
-1 -1 -2 -1
0 0 0 0
0 0 0 0

0 0 0 0
0 0 0 0
1 1 1 0
0.00% 0.00% 0.00%
1 1 1 0
0 0 0 0
0 0 0 0

0 0 0 0
0 0 0 0
0 0 0 0

0 0 0 0
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
 -1 -1 -1 -1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
1 1 1 1

1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1

146,733,590 146,733,590 146,733,590 146,733,590

0% 0% 0% 0%

0.00% 0.00% 0.00% 0.00%

-146,733,590 -146,733,590 -146,733,590 -146,733,590

71,644,670 71,644,670 71,644,670 71,644,670

0% 0% 71,644,670 71,644,670

0.00% 0.00% 100.00% 100.00%

-7164467000.00% -7164467000.00% 0 0

146,733,590 146,733,590 146,733,590 146,733,590

0 0 0 0

71,644,670 71,644,670 71,644,670 71,644,670

0 0 0 0

0 0 0 0

0 0 0 0
0 0 0 0

0 0 0 0
1 1 1 1
0 0 1 1
0.00% 0.00% 100.00% 100.00%
-1 -1 0 0
1 1 1 1
0 1 1 1
0.00% 100.00% 100.00% 100.00%
-1 0 0 0
 Timeline
Jan
5 1 2 3 4 5

0.75% 60% 40% 25% 10% 0.75%

5.00% 28.57% 71.43% 75.00%
15.00% 210.01% 56.00% 33.33%
4.25% -31.43% 31.43% 50.00% -10.00% -0.75%
0.75% 60% 40% 25% 10% 0.75%
0.00% 0.00% 88.89% 33.33%
0.00% 45.00% 75.01%
-0.75% -60.00% 48.89% 8.33% -10.00% -0.75%
0.75% 60% 40% 25% 10% 0.75%
0.00% 0% 66.67% 87.50%
60.00% 28.57%
-0.75% -60.00% 26.67% 62.50% -10.00% -0.75%
0.75% 60% 40% 25% 10% 0.75%
0.00% 0.00% 62.50% 57.14%
64.00% 43.75%
-0.75% -60.00% 22.50% 32.14% -10.00% -0.75%
0.75% 60% 40% 25% 10% 0.75%
22.22% 40.00% 50.00% 100.00%
3.38% 150.00% 80.00% 25.00%
21.47% -20.00% 10.00% 75.00% -10.00% -0.75%
0.75% 60% 40% 25% 10% 0.75%
6.67% 20.00% 66.67% 100.00%
11.24% 300.00% 60.00% 25.00%
5.92% -40.00% 26.67% 75.00% -10.00% -0.75%
0 0 0 0 0 0
1 0.00% 3
0.00% 0.00%
1 0.00% 0 3 0 0
0 0 0 0 0 0
1 0.00% 3 4
0.00% 0.00% 0.00%
1 0.00% 3 4 0 0
0 0 0 0 0
1 0.00% 2 2
0.00% 0.00% 0.00%
1 0.00% 2 2 0 0
0 0 0 0 0 0
0 0.00% 4 7
0.00% 0.00%
0 0.00% 4 7 0 0
0 0 0 0 0 0
0 0.00% 2 3
0.00% 0.00%
 0 0.00% 2 3 0 0
0 0 0 0 0 0
0 0.00% 1 3
0.00% 0.00%
0 0.00% 1 3 0 0
3 2 2 3 4 5
0 0 1 1
0.00% 0.00% 50.00% 33.33% 0.00% 0.00%
-3 -200.00% -1 -2 -400.00% -5
2 1 1 1 1 1
1 0 0 0
50.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1 -1 -1
1 1 1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1 -1 -1
2 1 1 1 2 2
1 0 0 0
50.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1 -2 -2
0 0 0 0 0 0
0 0 0 0

0 0 0 0
0 0 0 0 0
0 1 1 1
0.00% 0.00% 0.00%
0 1 1 1
0 0 0 0 0 0
0 0 0 0

0 0
0 0
0 0
0 0
1 1
0 0
0.00% 0.00%
-1 -1
1 0
1 0
100.00%
0 0
1 1
0 0
0.00%
0 0
0 0 0 0
2 2
0.00% 0.00%
2 2
1 1 1 1
0 0
0.00% 0.00%
-1 -1
0 0
0 0
0 0
1 1 1 1
0 0
 -1 -1 -1 -1
0 0 0 0
0.00% 0 0 0
1
0 0 0
1 1 1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
1 0 0 0
1
100.00%
0 0 0 0
1 1 1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1
11 1 1 1 1
0 0 0 0
0.00% 0.00% 0.00% 0.00%
-1 -1 -1 -1

146,733,590

0%

0.00%
-146,733,590

71,644,670 71,644,670 71,644,670 71,644,670

71,644,670 71,644,670 71,644,670 71,644,670

100.00% 100.00% 100.00% 100.00%

0 0 0 0

146,733,590
0

71,644,670 71,644,670 71,644,670 71,644,670

0 0 0 0

0 0 0 0 0 0
0

0 0 0 0 0 0
1 1 1 1
1 0% 0% 0%
100.00% 0.00% 0.00% 0.00%
0 -100.00% -100.00% -100.00% 0 0
1
1
100.00%
0 0 0 0 0 0
 Feb Apr Mei Jun
1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1

60% 40% 25% 10% 0.75%

60% 40% 25% 10% 0.75%

60% 40% 25% 10% 0.75%

 Jun Jul
2 3 4 5 1 2 3 4 5
Produk/ Objective Divisi
Divisi

• AR Quality Improvement• AR Quality Improvement•

1. Current Flow Rate

 2. Current Ratio (>)
RC DIVISION

3. NPF (<)
N

• Increase Profitability

1. WO (<)
1. WO (<)
 Rencana Kerja
Strategi Kepala Area Rencana Kerja Kepala Area, Kepala Cabang
Cabang dan Coordinator dan Korkol

nt• AR Quality Improvement• AR Quality Improvement

IBRAHIDIN

LAODE SARMIN

LAODE MUH.
SARFIAN

1. Memberikan instruksi penanganan yang

jelas dan Maksimal Lead Time 7 hari dari 1. Tahan Flow Lancar
JTO SUHARLAN

ARDIANTO

NASRUN

NASRUN

IBRAHIDIN

ARDIANTO

2. Mendeteksi dari awal penyimpangan 2. Tahan Flow Lancar KP12

proses kredit
SUHARLAN

LAODE SARMIN
 LAODE MUH.
SARFIAN

AHMAD SUFIAN

AHAMD FADLY

1. Penegasan target yang dituju: Target 1. Target BTC 1-30

BTC, Stay dan Rollback
MUH.ADHAR

LAKEEKE

AHAMD FADLY

AHMAD SUFIAN

1. Tahan Flow bucket 3

MUH.ADHAR

LAKEEKE

1. Memberikan instruksi penangan yang

tepat
AHAMD FADLY

AHMAD SUFIAN

2. Rollback Bucket 4

MUH.ADHAR
 Buat Per ARO

AHAMD FADLY

AHMAD SUFIAN
2. Pembuatan program penanganan
konsumen: diskon denda, pelunasan, jalur Matikan Account di bucket 4,
hukum, kerja sama pihak eksternal 5 (Lunas & Tarik)

MUH.ADHAR

LAKEEKE

AHAMD FADLY

1. Arahan penyelesaian
sesuai dengan kasus: Matikan AHMAD SUFIAN
Excol,Pendampingan Account bucket
Lawyer, LP, 6 (Lunas &
Permohonan eksekusi Tarik)
Fidusia atau pun GS
MUH.ADHAR

LAKEEKE

AHAMD FADLY
 AHAMD FADLY

AHMAD SUFIAN

1. Rollback Bucket 6

MUH.ADHAR

LAKEEKE

2. Memberikan intruksi penangan yang

tepat
AHAMD FADLY

AHMAD SUFIAN

2. Rollback Bucket 5

MUH.ADHAR

LAKEEKE
 Ukuran
Pencapaian Indikator
(Kuantitatif) Hasil Des 2023
1 2

Target 60% 40%

Actual 0% 0.00%
0% Achieve
Gap -60.00% -40.00%
Target 60% 40%
0% Actual 100% 0.00%
Achieve 60.00%
Gap 40.00% -40.00%
0% Target 60% 40%
Actual 0% 0.00%
Achieve
0% Gap -60.00% -40.00%
Target 60% 40%
Actual 0% 0.00%
0% Achieve
Gap -60.00% -40.00%
Target 60% 40%
0% Actual 0% 0.00%
Achieve
Gap -60.00% -40.00%
0% Target 60% 40%
Actual 0% 0.00%
Achieve
0% Gap -60.00% -40.00%
Target 0 0
Actual 0 0
Achieve
Gap
Target 0 0
Actual 0 0
0
Achieve
Gap
Target 0 0
Actual 0 0
0
Achieve
Gap
Target 0 0
Actual 0 0
0
Achieve
Gap
Target 0 0
Actual 0 0
0
Achieve
Gap
 Target 0 0
Actual 0 0
0
Achieve
Gap
Target BTC 1-30
Actual
Target
Actual
Target BTC 1-30
Actual
Target
Actual
Target BTC 1-30 1 1
Actual 0 0
1
Target
Actual
Target BTC 1-30
Actual
Target
Actual
Target FLOW Bucket 3
Actual
Achieve
Gap
Target FLOW Bucket 3
Actual
Achieve
Gap
Target FLOW Bucket 3
Actual
Achieve
Gap
Target FLOW Bucket 3
Actual
Achieve
Gap
Target FLOW Bucket 3
Actual
Achieve
Gap
Target FLOW Bucket 3
Actual
Achieve
Gap
Target FLOW Bucket 3
Actual
Achieve
Gap
 Rollback bucket 4
Actual
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
Achieve
Gap
Matikan Account dari bucket 4,5
Actual
Achieve
Gap

Matikan Account bucket 6

Actual

Achieve

Gap
Matikan Account bucket 6 278,357,270 278,357,270

Actual 0 0
278,357,270
Achieve

Gap
Matikan Account bucket 6

Actual

Achieve

Gap
Matikan Account bucket 6
Actual
Achieve
Gap
Rollback bucket 6
Actual
 Achieve
Gap
Rollback bucket 6 278,357,270 278,357,270
Actual 0 0
278,357,270
Achieve
Gap
Rollback bucket 6
Actual
Achieve
Gap
Rollback bucket 6
Actual
Achieve
Gap
Rollback bucket 5
Actual
Achieve
Gap
Rollback bucket 5
Actual
Achieve
Gap
Rollback bucket 5
Actual
Achieve
Gap
Rollback bucket 5
Actual
Achieve
Gap
 Timeli
Hasil Des 2023 Jan
3 4 5 1 2 3
25% 10% 0.00% 60% 40% 25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

-25.00% -10.00% 0.00% -60.00% -40.00% -25.00%

25% 10% 0.00% 60% 40% 25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

-25.00% -10.00% 0.00% -60.00% -40.00% -25.00%

25% 10% 0.00% 60% 40% 25%
0.00% 0% 0.00% 0.00% 0.00% 0.00%

-25.00% -10.00% 0.00% -60.00% -40.00% -25.00%

25% 10% 0.00% 60% 40% 25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

-25.00% -10.00% 0.00% -60.00% -40.00% -25.00%

25% 10% 0.00% 60% 40% 25%
0.00% 0% 0.00% 0.00% 0.00% 0.00%

-25.00% -10.00% 0.00% -60.00% -40.00% -25.00%

25% 10% 0.00% 60% 40% 25%
100.00% 0.00% 0.00% 0.00% 0.00% 0.00%
25.00%
75.00% -10.00% 0.00% -60.00% -40.00% -25.00%
0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

1 1 1 1 1 1
0 0 0 0 0 0
278,357,270 278,357,270 278,357,270

0 0 0
278,357,270 278,357,270 278,357,270
0 0 0
 Timeline
Jan Feb Apr
4 5 1 2 3 4 5 1 2 3 4 5
10% 0.00%

-10.00% 0.00%
10% 0.00%

-10.00% 0.00%
10% 0.00%

-10.00% 0.00%
10% 0.00%

-10.00% 0.00%
10% 0.00%

-10.00% 0.00%
10% 0.00%

-10.00% 0.00%
0 0
0 0

0 0
0 0

0 0
0 0

0 0
0 0

0 0
0 0
0 0
0 0

1 1
 Mei Jun Jul
1 2 3 4 5 1 2 3 4 5 1 2 3 4 5
2. Recovery ( Penyelesaian)
 ahmad fadly

ahmad sufian

1. RCO Wajib Ada

Penyelesaian
muh.adhar
1. Penegasan target yang di tuju

aro la keeke

2. Target DTH & Pengisian I- Buat Per

Coll RCO RCO/ARO
 Target Byr/Tarik 10.000.000
Actual
Achieve
25.000.000 Gap
Target Byr/Tarik 10.000.000
Actual 13.503.870
Achieve
40.000.000 Gap
Target Byr/Tarik 10.000.000
Actual
Achieve
30.000.000 Gap
Target Byr/Tarik 10.000.000
Actual
Achieve
15.000.000 Gap
Tgt DTH I-Coll
Actual Ditagih
Achieve
Gap
10.000.000 20.000.000 20.000.000

20.000.000 20.000.000 20.000.000

13.503.870 13.503.870 13.503.870

10.000.000 15.000.000 20.000.000

10.000.000 10.000.000 10.000.000

25.000.000 10.000.000 10.000.000 20.000.000

40.000.000 10.000.000 20.000.000 20.000.000

13.503.870 3.500.00 3.500.00 3.500.00

30.000.000 10.000.000 10.000.000 15.000.000

15.000.000 10.000.000 10.000.000 10.000.000

20.000.000 25.000.000

20.000.000 40.000.000

20.000.000 30.000.000

10.000.000 15.000.000