2026-08-05
Added
This regulation establishes the guidelines for assessing the quality of financing receivables for PT Sarana Multi Infrastruktur (Persero) by categorizing them into five quality grades: Performing, Special Mention, Substandard, Doubtful, and Loss. The assessment framework evaluates three main areas: the debtor's business prospects, financial performance, and repayment capacity, utilizing specific criteria such as market position, management quality, profitability, liquidity, and payment history. It defines precise thresholds for overdue payments and profit-sharing ratios to determine the appropriate classification, ranging from timely payments with no arrears to arrears exceeding 180 days or complete inability to meet obligations.