MCOM OTO/SOF CONCEPT

• Definition Based on OJK Regulation

• MCOM : Cash Loan commonly called
“Dana Tunai”
• Direct Financing to Customer
• Go Live project: 16th January 2019
– OTO Branch : will start All Branch
– SOF Branch : will start 45 KAB Branch
 TARGET CUSTOMERS

• Customer KAB Rejected by BTPN:

According to RAC KAB but was Rejected by
BTPN.
EXISTING • Customer Non KAB: Non RAC KAB
CUSTOMERS (OTO/SOF Customer have Overdue 31 - 60
Days maximal 3 Times in Contract Period,
and it can’t be in the last 3 Months when
Customer submitted MCOM (No Repo))

NEW • New Customers : Has never been

CUSTOMERS credit by OTO / SOF
 CREDIT COMMITTEE
• Existing Cust. KAB Rejected by BTPN: Refers to
KAB Condition
• Existing Cust. Non KAB & New Cust : Business
Line OTO (Refers to CF Condition)
OTO • MH : Check completeness of credit application
document
• CRH : NIK Check, Pefindo Check, OVP
• CMO : KAB & MIX

• Existing Cust. KAB Rejected by BTPN: Refers to

KAB Condition
• Existing Cust. Non KAB & New Cust : Business
Line SOF (Refers to KAB Condition)
SOF • MH KAB / MCOM : Check completeness of credit
application document, NIK Check, Pefindo Check,
OVP
• CMO : KAB & MCOM
 Requirement Document
Car Motorcycle
Requirement Existing Cust Existing Cust
Document New New
Document Rejected Non Rejected Non Competitor
Cust Cust
by BTPN KAB by BTPN KAB
1 Identity Card (KTP) √ √ √ √ √ √ √
2 Family card (KK) √ √ √ √ √ √ √
Customer 3 Financial Data (Salary Slip /Bank Acct) √
4 Taxpayer Registration Number (NPWP) √ √ √
5 Business License (SIUP) √
Certificate of Ownership of Motor Vehicles
6 √ √ √ √ √ √ √
Vehicle (BPKB)
7 Vehicle Registration & Vehicle Tax (STNK) √ √ √ √ √ √ √

Car Motorcycle
Disbursement Existing Cust Existing Cust
Document New New
Requirement Rejected Non Rejected Non Competitor
Cust Cust
by BTPN KAB by BTPN KAB
1 Emboss Printing Chassis No. & Machine* √ √ √ √ √ √ √
2 BPKB Valid Checking* √ √ √ √ √ √ √
3 Check and Estimation Vehicle* √ √ √ √ √ √ √
Disbursement 4 √ √ √ √ √ √ √
Vehicle Photos*
5 Copy Bank Account √ √ √ √ √ √ √
6 Transfer Warrant √ √ √ √ √ √

*) Not mandatory For Existing Customer, Except Vehicle BPKB Already released
 TERM & CONDITIONS
Car Motorcycle
Existing Cust Existing Cust
Term & Condition Non New Non New
Rejected Rejected Competitor
Criteria Cust Criteria Cust
by BTPN by BTPN
KAB KAB
LTV 80% 80% 70% 80% 80% 70% 70%

Min. Finance Amount 50 Jt 25 Jt 25 Jt 3 Jt 3 Jt 3 Jt 3 Jt

Max. Finance Amount 500 Jt 500 Jt 500 Jt 30 Jt 30 Jt 30 Jt

Interest Rate (Effective) Based on Market Condition
Tenor 3 Years 3 Years 3 Years 3 Years 3 Years 2 Years 2 Years

Arrear √ √ √ √ √ √ √

Administration Charge 3,000,000 900,000

Provision 2,25% 2,25% 2,25% 12,75% 12,75% 0% 0%

Max. Vehicle Age (When Financed) 4 Years 4 Years 4 Years 8 Years

Max. Vehicle Age Japan
15 Years 15 Years 15 Years 7 Years 7 Years 7 Years
(When Contract End)
Max. Vehicle Age Non Japan
12 Years 12 Years 12 Years
(When Contract End)
Vehicle Tax Expired Active Active Expired Active Active

BPKB Valid Checking* Yes Yes Yes Yes Yes Yes Yes
Check Physical Vehicle (Estimation) &
No No Yes No No Yes Yes
Emboss Printing
Late & Early Termination Penalty Refers to SOF/OTO Regulations
All risk /
Insurance Scheme All risk / TLO All risk / TLO TLO TLO TLO TLO
TLO
Insurance rate Refers to SOF/OTO Regulations
* BPKB Checking for BPKB already released or Different collateral unit
 HOW TO PROMOTE

Branch External Product Launching

• CMO & SO Uniform • Local News Paper • Press Conference

• Poster • Exhibition • Used Dealer &
• Flyer
• Website Portal Customer Gathering
• Hanging Tag
• BTS SMS
• Banners
• oto.co.id & otomart
• Giant Banners
• Running Text in TV • Digital Marketing (FB,
Monitor Instagram, Twitter)
• Screen saver PC
HOW TO PROMOTE
Poster
HOW TO PROMOTE
Flyer
HOW TO PROMOTE

Hanging Tag
HOW TO PROMOTE
Banners
HOW TO PROMOTE
Giant Banners
 WORK FLOW EXISTING KAB
Disbursement

BTPN/HO
to Customer FINANCE

BTPN

1
4

Reject

SPV/AH BM AH
2 3
Branch

Contract - Contract Approval - Contract

Doc -Convert to Contract - Sign Contract Doc. Activation &
Disbursement
 WORK FLOW MCOM
Disbursement to
TMO Customer
FINANCE

HO

- NIK Check - Contract Activation &

1 13
- PEFINDO Check - Loan Commitee Process Disbursement
-Form Approval MCOM
9 AH
BM
Customer CRH

8
- OVP

4 10 -Contract Full
Printing (after 12
BRANCH

2 - Offering Contract Activation)

- Negotiation
- Identity
Check SPV/AH
BRANCH CAS
5
- Requirement Document
CMO/CS/SO Check
- Contract Sign In
3 - Friction Order No. and 11
machinery

OTO/SOF 7 - Contract Approval

- Convert to Contract
CMO MH
*for Customer Rejected by BTPN, 6 - Submit Appl. To CAS
- Monitor Application
directly refers to Contract
Administration Process -Survey
-Submit
Application to
(flow start from 11 until) 13 (mPOS)
MH
 WORK FLOW MCOM
TMO FINANCE
Disbursement to

HO Customer

1
- Loan Commitee Process 12
-Form Approval MCOM
- Contract Activation &
Disbursement
Customer BM AH
- NIK Check
- PEFINDO Check

MH KAB/MCOM - Submit Appl. To CAS

7
4
9
BRANCH

2 - Offering
- Negotiation -Submit 8
Application to 6 -Contract Full
- Identity Printing (after 11
Check MH
Contract Activation)
BRANCH
- OVP
CMO/CS/SO CAS SPV/AH
5 CMO
3 10

OTO/SOF -Survey
(mPOS) -Print E Application - Contract Approval
- Convert to Contract
*for Customer Rejected by BTPN,
directly refers to Contract - Requirement Document
Check
Administration Process - Contract Sign In
- Friction Order No. and
(flow start from 10 until) 12 machinery
 WORK FLOW MCOM
Step 1 (Application Process)
 WORK FLOW MCOM
Step 2 (Credit Analysis Process)
 WORK FLOW MCOM
Step 3 (Contract Administration Process)
Thank You