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Detail Laporan SLIK

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Metadata Laporan
Nama File KTP_3372052712750001.txt
Nomor Laporan 631/IDEB/0104620125/2026
Tanggal Hasil 26/03/2026 09:07
Tanggal Upload 2026-03-27 06:24:19
Rp 918.257.180
Plafon Total SLIK
Rp 748.478.730
Baki Debet Total
Kualitas 2
Kualitas Terburuk pada Ringkasan SLIK
Identitas Debitur
Nama RACHMADI WISNU SAPUTRA
NIK 3372052712750001
Tempat / Tgl Lahir SURAKARTA, 27/12/1975
Alamat JL MATARAM II 13
Kota Kota Surakarta/Solo
Pekerjaan Wiraswasta
Tgl Permohonan 26/03/2026 09:07
111
Kolek Lancar
9
Bermasalah
Rp 918.257.180
Total Plafon
Analisa Kelayakan Pengajuan Pembiayaan Baru
TIDAK LAYAK
30/100

Risiko tinggi. Pengajuan baru sebaiknya ditunda sampai kualitas kredit membaik.

23
Aktif
97
Lunas
9
Bermasalah
Kol 2
Kol. Terburuk
Distribusi Kolektibilitas
Kol 1 — Lancar
Total: 111 Aktif: 14
Kol 2 — Dalam Perhatian Khusus
Total: 9 Aktif: 9
Kol 3 — Kurang Lancar
Total: 0 Aktif: 0
Kol 4 — Diragukan
Total: 0 Aktif: 0
Kol 5 — Macet
Total: 0 Aktif: 0
Faktor Penilaian
  • Terdapat kolektibilitas Dalam Perhatian Khusus (Kol 2)
  • 9 fasilitas aktif bermasalah (Kol 2 ke atas)
  • Jumlah fasilitas aktif: 23 (sangat banyak)
  • Utilisasi fasilitas aktif tinggi (97%)
Rekomendasi
  • Lunasi atau selesaikan fasilitas Kol 2 sebelum mengajukan pembiayaan baru.
  • Beban fasilitas aktif relatif tinggi. Prioritaskan konsolidasi atau pelunasan bertahap.
  • Kurangi outstanding/baki debet agar rasio utilisasi lebih sehat sebelum pengajuan.
Utilisasi Kredit Aktif: Rp 748.478.730 dari Rp 768.176.014 (97%)

Analisa ini bersifat indikatif berdasarkan data SLIK dan tidak merupakan keputusan resmi lembaga keuangan.

Fasilitas Pembiayaan
120 fasilitas
23
Fasilitas Aktif
97
Sudah Lunas
120
Tampil Saat Ini
1 PT Atome Finance Indonesia Konsumsi 31/12/2025 10/04/2026 174.027 116.018 116.018 51 - 1 – Fasilitas Aktif
2 PT Bank CTBC Indonesia D/H PT Bank Chinatrust Indonesia Konsumsi 29/12/2025 29/06/2026 1.300.000 1.088.246 1.088.246 11 - 1 – Fasilitas Aktif
3 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 16/12/2025 25/03/2026 101.115 34.384 34.384 24.38 - 1 – Fasilitas Aktif
4 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 29/12/2025 25/03/2026 119.168 40.523 40.523 24.38 - 1 – Fasilitas Aktif
5 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 12/01/2026 25/06/2026 7.069.504 4.806.679 4.806.679 24.26 - 1 – Fasilitas Aktif
6 PT Bank Hibank Indonesia Konsumsi 09/11/2025 25/08/2026 6.372.677 5.249.619 5.249.619 26.83 - 1 – Fasilitas Aktif
7 PT Bank Jago Tbk d/h Bank Artos Indonesia Konsumsi 31/10/2025 30/04/2026 17.597.000 5.973.033 8.918.920 11 - 2 – Fasilitas Aktif
8 PT Bank Jago Tbk d/h Bank Artos Indonesia Konsumsi 09/04/2025 10/04/2026 602.900 140.650 140.650 64.96 - 2 – Fasilitas Aktif
9 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 30/11/2025 26/05/2026 17.223.000 8.883.870 8.883.870 25 - 1 – Fasilitas Aktif
10 PT Bank Neo Commerce Tbk Konsumsi 02/01/2026 02/07/2026 6.600.000 5.531.649 5.531.649 14 - 1 – Fasilitas Aktif
11 PT Bank OCBC NISP Tbk Konsumsi 29/10/2025 29/04/2026 500.000 253.576 253.576 11.5 - 2 – Fasilitas Aktif
12 PT Bank OCBC NISP Tbk Konsumsi 07/11/2025 07/05/2026 163.100 57.151 57.151 30.9 - 2 – Fasilitas Aktif
13 PT Bank Perekonomian Rakyat Syariah Dana Amanah Surakarta Modal Kerja 28/02/2023 27/04/2026 1.200.000.000 701.000.000 701.000.000 53 3 2 – Fasilitas Aktif
14 PT Bank Seabank Indonesia Modal Kerja 09/03/2024 25/08/2026 2.520.615 2.066.900 2.066.900 43.22 - 2 – Fasilitas Aktif
15 PT Bank Seabank Indonesia Konsumsi 25/11/2025 30/05/2026 8.700.000 5.330.295 5.330.295 14 - 2 – Fasilitas Aktif
16 PT Bank Seabank Indonesia Modal Kerja 15/01/2026 25/04/2026 427.482 287.676 287.676 22.93 - 2 – Fasilitas Aktif
17 PT Bank Seabank Indonesia Modal Kerja 25/07/2025 25/07/2026 2.970.000 1.352.786 1.352.786 32.15 - 2 – Fasilitas Aktif
18 PT Commerce Finance Investasi 08/11/2025 26/08/2026 819.854 699.046 699.046 17.7 - 1 – Fasilitas Aktif
19 PT Commerce Finance Konsumsi 05/10/2025 26/03/2026 200.000 33.335 33.335 - - 1 – Fasilitas Aktif
20 PT Lentera Dana Nusantara Investasi 25/07/2025 26/07/2026 30.000 75.632 75.632 28.8 - 1 – Fasilitas Aktif
21 PT Pembiayaan Digital Indonesia Modal Kerja 07/12/2025 07/06/2026 20.700.000 12.263.408 1.412.734 1.079 - 1 – Fasilitas Aktif
22 PT Pembiayaan Digital Indonesia Modal Kerja 06/12/2025 06/06/2026 20.700.000 12.263.408 470.911 1.079 - 1 – Fasilitas Aktif
23 Standard Chartered Bank Konsumsi 11/11/2025 10/05/2026 1.189.099 628.130 628.130 20.05 - 1 – Fasilitas Aktif
24 PT Akulaku Finance Indonesia Konsumsi 21/04/2024 25/05/2024 6.000.000 6.000.000 0 45.02 - 1 – Lunas
25 PT BPD Jawa Tengah - 20/04/2020 29/03/2024 0 112.181.000 0 - - 1 – Lunas
26 PT BPD Jawa Tengah - 20/04/2020 29/03/2024 0 27.328.000 0 - - 1 – Lunas
27 PT Bank CIMB Niaga Tbk Konsumsi 01/09/2008 31/10/2016 4.000.000 4.000.000 0 2.24 - 1 – Lunas
28 PT Bank CIMB Niaga Tbk Konsumsi 21/02/2025 26/05/2025 603.061 0 0 25.32 - 1 – Lunas
29 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 21/03/2025 25/09/2025 140.920 0 0 30.18 - 1 – Lunas
30 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 02/10/2025 25/12/2025 87.975 0 0 24.38 - 1 – Lunas
31 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 18/06/2025 25/09/2025 84.300 0 0 24.38 - 1 – Lunas
32 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 07/07/2025 25/09/2025 87.000 0 0 24.38 - 1 – Lunas
33 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 28/04/2025 25/07/2025 83.719 0 0 24.38 - 1 – Lunas
34 PT Bank Digital BCA d/h Bank Royal Indonesia Konsumsi 03/11/2025 25/01/2026 57.250 0 0 24.38 - 1 – Lunas
35 PT Bank Hibank Indonesia Konsumsi 24/03/2025 25/06/2025 723.918 0 0 23.69 - 1 – Lunas
36 PT Bank Hibank Indonesia Konsumsi 20/09/2025 25/12/2025 999.903 0 0 22.69 - 1 – Lunas
37 PT Bank Hibank Indonesia Konsumsi 20/09/2025 25/04/2026 1.135.810 0 0 26.83 - 1 – Lunas
38 PT Bank Hibank Indonesia Konsumsi 09/11/2025 25/06/2026 1.244.279 0 0 26.83 - 1 – Lunas
39 PT Bank Hibank Indonesia Konsumsi 09/11/2025 25/04/2026 1.135.810 0 0 26.83 - 1 – Lunas
40 PT Bank Jago Tbk d/h Bank Artos Indonesia Konsumsi 07/05/2024 12/11/2024 5.373.108 0 0 31.4 - 1 – Lunas
41 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 30/01/2022 27/02/2022 416.626 416.626 0 18.96 - 1 – Lunas
42 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 30/01/2022 27/02/2022 155.540 155.540 0 18.96 - 1 – Lunas
43 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 19/06/2025 26/12/2025 741.460 0 0 25 - 1 – Lunas
44 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 18/03/2025 26/09/2025 347.456 0 0 25 - 1 – Lunas
45 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 21/05/2025 27/11/2025 387.034 0 0 25 - 1 – Lunas
46 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 26/07/2025 26/01/2026 361.842 0 0 25 - 1 – Lunas
47 PT Bank Negara Indonesia (Persero) Tbk Konsumsi 26/04/2025 26/10/2025 291.208 0 0 25 - 1 – Lunas
48 PT Bank Neo Commerce Tbk Konsumsi 23/03/2024 23/07/2024 3.000.000 0 0 101.52 - 1 – Lunas
49 PT Bank Neo Commerce Tbk Konsumsi 24/02/2024 24/05/2024 5.900.000 0 0 15 - 1 – Lunas
50 PT Bank OCBC NISP Tbk Konsumsi 07/01/2025 07/04/2025 200.877 0 0 25 - 1 – Lunas
51 PT Bank Oke Indonesia Tbk D/H PT Bank Dinar Konsumsi 14/08/2023 29/01/2024 4.557.110 0 0 28.75 - 1 – Lunas
52 PT Bank Oke Indonesia Tbk D/H PT Bank Dinar Konsumsi 15/12/2023 27/02/2024 723.150 0 0 23.59 - 1 – Lunas
53 PT Bank Perekonomian Rakyat Syariah Dana Amanah Surakarta Modal Kerja 31/03/2021 28/02/2023 1.000.000.000 0 0 18 1 1 – Lunas
54 PT Bank Permata Tbk Konsumsi 30/01/2022 26/04/2022 216.140 0 0 21 - 1 – Lunas
55 PT Bank Permata Tbk Konsumsi 05/05/2024 26/07/2024 135.330 0 0 25.59 - 1 – Lunas
56 PT Bank Permata Tbk Konsumsi 14/01/2025 26/03/2025 108.464 0 0 25.59 - 1 – Lunas
57 PT Bank Permata Tbk Konsumsi 06/04/2025 26/06/2025 132.542 0 0 25.59 - 1 – Lunas
58 PT Bank Seabank Indonesia Investasi 18/12/2021 25/01/2022 78.992 0 0 22 - 1 – Lunas
59 PT Bank Seabank Indonesia Investasi 25/11/2021 25/12/2021 338.966 0 0 22 - 1 – Lunas
60 PT Bank Seabank Indonesia Investasi 30/12/2021 25/01/2022 53.994 0 0 22 - 1 – Lunas
61 PT Bank Seabank Indonesia Investasi 18/12/2021 25/01/2022 119.988 0 0 22 - 1 – Lunas
62 PT Bank Seabank Indonesia Investasi 17/12/2021 25/01/2022 78.992 0 0 22 - 1 – Lunas
63 PT Bank Seabank Indonesia Investasi 27/12/2021 25/01/2022 69.993 0 0 22 - 1 – Lunas
64 PT Bank Seabank Indonesia Investasi 18/12/2021 25/01/2022 43.995 0 0 22 - 1 – Lunas
65 PT Bank Seabank Indonesia Konsumsi 07/08/2021 25/01/2022 1.663.833 0 0 27 - 1 – Lunas
66 PT Bank Seabank Indonesia Investasi 27/12/2021 25/01/2022 58.994 0 0 22 - 1 – Lunas
67 PT Bank Seabank Indonesia Investasi 27/12/2021 25/01/2022 58.994 0 0 22 - 1 – Lunas
68 PT Bank Seabank Indonesia Investasi 28/12/2021 25/01/2022 53.994 0 0 22 - 1 – Lunas
69 PT Bank Seabank Indonesia Investasi 18/12/2021 25/01/2022 209.429 0 0 22 - 1 – Lunas
70 PT Bank Seabank Indonesia Investasi 29/10/2021 25/11/2021 138.986 0 0 22 - 1 – Lunas
71 PT Bank Seabank Indonesia Investasi 17/12/2021 25/01/2022 78.992 0 0 22 - 1 – Lunas
72 PT Bank Seabank Indonesia Investasi 21/01/2022 25/02/2022 98.990 0 0 22 - 1 – Lunas
73 PT Bank Seabank Indonesia Modal Kerja 14/06/2023 05/12/2023 8.910.000 0 0 37.66 - 1 – Lunas
74 PT Bank Seabank Indonesia Modal Kerja 15/01/2022 25/04/2022 230.976 0 0 24.5 - 1 – Lunas
75 PT Bank Seabank Indonesia Investasi 21/01/2022 25/02/2022 68.993 0 0 22 - 1 – Lunas
76 PT Bank Seabank Indonesia Investasi 18/01/2022 25/02/2022 52.834 0 0 22 - 1 – Lunas
77 PT Bank Seabank Indonesia Investasi 19/01/2022 25/02/2022 48.995 0 0 22 - 1 – Lunas
78 PT Bank Seabank Indonesia Investasi 19/01/2022 25/02/2022 154.984 0 0 22 - 1 – Lunas
79 PT Bank Seabank Indonesia Modal Kerja 24/03/2022 25/04/2022 579.942 0 0 22 - 1 – Lunas
80 PT Bank Seabank Indonesia Modal Kerja 15/01/2022 25/04/2022 160.983 0 0 24.5 - 1 – Lunas
81 PT Bank Seabank Indonesia Modal Kerja 18/01/2022 25/04/2022 114.988 0 0 24.5 - 1 – Lunas
82 PT Bank Seabank Indonesia Modal Kerja 22/03/2022 25/04/2022 189.981 0 0 22 - 1 – Lunas
83 PT Bank Seabank Indonesia Konsumsi 13/02/2023 25/04/2023 2.272.762 0 0 33.22 - 1 – Lunas
84 PT Bank Seabank Indonesia Konsumsi 25/03/2024 23/06/2024 1.966.470 0 0 15 - 1 – Lunas
85 PT Bank Seabank Indonesia Modal Kerja 23/07/2024 23/01/2025 9.900.000 0 0 19.87 - 1 – Lunas
86 PT Bank Seabank Indonesia Modal Kerja 02/01/2024 05/07/2024 13.860.000 0 0 25.22 - 1 – Lunas
87 PT Bank Seabank Indonesia Konsumsi 24/06/2025 24/12/2025 10.000.000 0 0 12.5 - 1 – Lunas
88 PT Bank Seabank Indonesia Konsumsi 24/06/2024 21/12/2024 5.695.858 0 0 15 - 1 – Lunas
89 PT Bank Seabank Indonesia Konsumsi 27/10/2024 25/11/2024 30.542 0 0 20.01 - 1 – Lunas
90 PT Commerce Finance Investasi 17/12/2021 26/01/2022 798 0 0 2.95 - 1 – Lunas
91 PT Commerce Finance Investasi 18/12/2021 26/01/2022 445 0 0 2.95 - 1 – Lunas
92 PT Commerce Finance Investasi 17/12/2021 26/01/2022 798 0 0 2.95 - 1 – Lunas
93 PT Commerce Finance Investasi 27/12/2021 26/01/2022 596 0 0 2.95 - 1 – Lunas
94 PT Commerce Finance Investasi 18/12/2021 26/01/2022 798 0 0 2.95 - 1 – Lunas
95 PT Commerce Finance Investasi 27/12/2021 26/01/2022 596 0 0 2.95 - 1 – Lunas
96 PT Commerce Finance Konsumsi 07/08/2021 26/01/2022 16.807 0 0 2.95 - 1 – Lunas
97 PT Commerce Finance Konsumsi 20/08/2021 26/11/2021 417.130 0 0 2.94 - 1 – Lunas
98 PT Commerce Finance Investasi 22/03/2022 26/04/2022 1.919 0 0 2.94 - 1 – Lunas
99 PT Commerce Finance Investasi 18/12/2021 26/01/2022 2.116 0 0 2.95 - 1 – Lunas
100 PT Commerce Finance Konsumsi 27/01/2022 26/04/2022 1.500.356 0 0 2.95 - 1 – Lunas
101 PT Commerce Finance Investasi 18/01/2022 26/04/2022 1.162 0 0 2.95 - 1 – Lunas
102 PT Commerce Finance Investasi 15/01/2022 26/04/2022 2.334 0 0 2.95 - 1 – Lunas
103 PT Commerce Finance Konsumsi 31/03/2022 26/04/2022 690.840 0 0 2.95 - 1 – Lunas
104 PT Commerce Finance Investasi 29/10/2021 26/11/2021 1.404 0 0 2.95 - 1 – Lunas
105 PT Commerce Finance Investasi 30/12/2021 26/01/2022 546 0 0 2.95 - 1 – Lunas
106 PT Commerce Finance Investasi 18/12/2021 26/01/2022 1.212 0 0 2.94 - 1 – Lunas
107 PT Commerce Finance Investasi 19/01/2022 26/02/2022 1.566 0 0 2.94 - 1 – Lunas
108 PT Commerce Finance Investasi 27/12/2021 26/01/2022 707 0 0 2.95 - 1 – Lunas
109 PT Commerce Finance Investasi 28/12/2021 26/01/2022 546 0 0 2.95 - 1 – Lunas
110 PT Commerce Finance Investasi 21/01/2022 26/02/2022 1.000 0 0 2.95 - 1 – Lunas
111 PT Commerce Finance Investasi 15/01/2022 26/04/2022 1.627 0 0 2.95 - 1 – Lunas
112 PT Commerce Finance Investasi 21/01/2022 26/02/2022 697 0 0 2.95 - 1 – Lunas
113 PT Commerce Finance Investasi 19/01/2022 26/02/2022 495 0 0 2.95 - 1 – Lunas
114 PT Commerce Finance Investasi 25/11/2021 26/12/2021 3.424 0 0 2.95 - 1 – Lunas
115 PT Commerce Finance Investasi 18/01/2022 26/02/2022 534 0 0 2.94 - 1 – Lunas
116 PT Commerce Finance Investasi 16/01/2022 26/04/2022 1.215.030 0 0 2.95 - 1 – Lunas
117 PT Commerce Finance Investasi 24/03/2022 26/04/2022 5.858 0 0 2.94 - 1 – Lunas
118 PT Commerce Finance Konsumsi 11/02/2023 26/04/2023 22.958 0 0 2.95 - 1 – Lunas
119 PT Commerce Finance Konsumsi 15/12/2023 26/03/2024 999.890 0 0 2.95 - 1 – Lunas
120 PT Commerce Finance Konsumsi 11/01/2025 26/03/2025 159.368 0 0 8.85 - 1 – Lunas
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