PROSES REVIEW

DATA & PRE-

INTERVIEW
By Tim KPR Mustikaland
Repayment Capacity (RPC)
Repayment Capacity (RPC) adalah kemampuan konsumen untuk
membayar kembali hutangnya atau pinjamannya kepada pihak yang
telah memberikan kredit/dana (BANK pemberi KPR).
Update Suku Bunga
Update suku bunga yang akan
terus di update mengekuti
perubahan yang berlaku
 Analisis RPC dengan Prinsip 6C
Character Collateral
Analisis terhadap karakter calon nasabah
Merupakan agunan yang diberikan oleh calon
dengan tujuan untuk mengetahui bahwa calon
nasabah atas pembiayaan yang diajukan.
nasabah mempunyai keinginan untuk memenuhi
kewajiban membayar.

Capacity Condition of Economy

Untuk mengetahui kemampuan keuangan Analisis terhadap kondisi perekonomian. Bank
calon nasabah dalam memenuhi kewajibannya perlu mempertimbangkan sektor usaha calon
sesuai jangka waktu pembiayaan nasabah dikaitkan dengan kondisi ekonomi.

Capital Constraint
Capital atau modal yang perlu disertakan Analisis untuk mempertimbangkan hambatan
dalam objek pembiayaan perlu dilakukan (constraint) yang mungkin muncul di lapangan.
analisis yang lebih mendalam.
 Cara Menganalisis Kemampuan (Capacity) Nasabah
Melihat Kartu Keluarga untuk mengetahui
jumlah tanggungan, sehingga bisa
memperkirakan 6 pengeluaran pribadi /
keluarga dalam 1 bulan
Melihat Slip Gaji + copy rekening koran
untuk mengetahui dan memastikan
Nominal Gaji / Penghasilan yang
diterima perbulan

IDEB / SLIK Tanggunga Penghasila

BI
Status Pekerjaan
n n

Melihat buku nikah untuk Melihat Surat keterangan kerja untuk

Melihat KTP untuk mengetahui karakter mengetahui status memastikan Posisi, Jabatan dan
nasabah dari hasil IDEB / BI Checking pernikahan. Tempat kerja Nasabah & Status
dan untuk mengetahui jumlah angsuran kepegawaian (Karyawan kontrak &
perbulan berdasarkan pembiayaan yang karyawan tetap)
telah diterima sebelumnya
 Proses Pre-Interview

Proses ini sebagai tahapan untuk

mempersiapkan calon debitur menjawab
pertanyaan yang akan ditanyakan oleh pihak
bank pada saat proses DVO.

Pre-Interview merupakan proses Pada proses ini, calon debitur

yang akan dilakukan oleh tim KPR akan di gali secara mendasar
internal setelah berkas pengajuan seputar RPC dan kemampuan
KPR sudah diterima dalam secara financial untuk melakukan
keadaan lengkap. pembayaran angsuran.
 Proses Pre-Interview
Data Verifikasi
Pekerjaan Kontak pemohon, kantor dan
SK kerja di keluarkan kontak darurat dipastikan
dari kantor dan bersifat aktif dan bisa dihubungi
asli. Untuk jabatan dan untuk proses verifikasi
masa kerja harus sesuai

Penghasila Jangka
n
Gaji & sistem pembayaran Waktu
Konfirmasi mengenai cicilan
apakah sudah sesuai atau berjalan dan rencana jangka
belum waktu kredit yang akan diajukan
Tujuan Pembelian
Kesanggupan pembayaran cicilan
konsumen dan motivasi pembelian unit
 Contoh Studi Kasus
Bapak Rudi mengajukan Pembiayaan KPR. Bapak Rudi berstatus Belum Menikah. Pemohon memiliki History Pembiayaan
(Lunas, Lunas Lancar Dengan Kolektabilitas 1.) Bapak Rudi berpenghasilan tunggal (Single Income) bekerja sebagai Manajer
Operasional Retail di PT. Maju Pesat. Maksimal Jangka Waktu Pembiayaan Kpr 20 Tahun. Biaya Angsuran Lain perbulan
sebesar Rp. 900.000,- (Hasil dari BI Checking).

Gaji Pokok Bapak Rudi perbulan sebesar Rp. 5.500.000,-. Masa kerja Bapak Rudi 5 Tahun dan sudah Pegawai Tetap. Usia
Bapak Rudi saat ini 27 Tahun. Usia Pensiun Bapak RUDI sampai dengan 55 Tahun. Jumlah Pegawai PT. Maju Pesat Tbk.
Sebanyak 1100 orang. PT. Maju Pesat Tbk. Bergerak dibidang Retail. Konfirmasi dengan ibu ULFI sebagai HRD di PT.
Maju Pesat Tbk. / no. telpon PT. Maju Pesat Tbk. 021 - 75423321

Perhitungan RPC
RPC Max 55% x penghasilan bersih - (Kewajiban
pihak ketiga)
55% x 5.500.000 – (900.000)
3.025.000 – 900.000
2.125.000 (Batas maksimal angsuran Bapak Rudi)
 Banking infographics

2017 2018 2019 2020

Exchange Rates Customers ATM

Earth is the third planet Despite being red, Mars is Neptune is the farthest Venus is the second planet
from the Sun a cold place planet from the Sun from the Sun
• Bapak Rudi mengajukan Pembiayaan KPR. Bapak Rudi berstatus Belum Menikah. Pemohon
memiliki History Pembiayaan (Lunas, Lunas Lancar Dengan Kolektabilitas 1.) Bapak Rudi
berpenghasilan tunggal (Single Income) bekerja sebagai Manajer Operasional Retail di PT.
Maju Pesat. Maksimal Jangka Waktu Pembiayaan Kpr 20 Tahun. Biaya Angsuran Lain
perbulan sebesar Rp. 900.000,- (Hasil dari BI Checking).

• Gaji Pokok Bapak Rudi perbulan sebesar Rp. 5.500.000,-. Masa kerja Bapak Rudi 5 Tahun
dan sudah Pegawai Tetap. Usia Bapak Rudi saat ini 27 Tahun. Usia Pensiun Bapak RUDI
sampai dengan 55 Tahun. Jumlah Pegawai PT. Maju Pesat Tbk. Sebanyak 1100 orang. PT.
Maju Pesat Tbk. Bergerak dibidang Retail. Konfirmasi dengan ibu ULFI sebagai HRD di PT.
Maju Pesat Tbk. / no. telpon PT. Maju Pesat Tbk. 021 - 75423321

PERHITUNGAN RPC :
RPC Max 55% x penghasilan bersih - (Kewajiban pihak ketiga)
55% x 5.500.000 – (900.000)
3.025.000 – 900.000
2.125.000 (Batas maksimal angsuran Bapak Rudi)

Kondisi Agunan READY STOCK Blok / Kavling / No. Agunan Perum Bogor Indah Permai Blok E
No. 77. Luas Bangunan / Luas Tanah 28 / 60. HARGA JUAL = Rp. 265.999.920,-. (C) UM (margin
%) = Rp. 6.649.996,-. PERMOHONAN = Rp. 133.000.000,-. KESIMPULAN DAN REKOMENDASI
 Banking infographics

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 Banking infographics
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 Banking infographics
Resources Structure
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06 02
Capacity Information
Despite being red, Mars is Saturn is a gas giant and
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05 03
Motives Knowledge
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Online payments 50%

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Technology Coinage Money Casting ingots

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