Incentive* that the referrer will get
- Incentive are paid every month until the 12th month as long as SIMBAT has not been disbursed
Year – Not Employee of
KSP Sahabat Mitra Sejati**Employee of
KSP Sahabat Mitra Sejati**1 0,375% 0,250% 2 0,250% 0,150% 3 0,125% 0,150% * as of January 2021, subject to changeu
** or partner employees strategis KSP Sahabat Mitra Sejati - Applicable minimum placement of funds of IDR 100 million per member and a maximum of IDR 10 billion per member
- Income tax on incentive, borne by the referrer
Incentive Calculation Illustration
Ari referred Budi to place the funds in the SIMBAT of KSP Sahabat Mitra Sejati. On January 1, 2021, Budi opened SIMBAT with a 1-year tenor of IDR 1.2 billion. On January 1, 2022, Budi again placed his funds in SIMBAT with a value that increased to IDR 3 billion. Furthermore, on January 1, 2023, Budi again added his funds to IDR 4.2 billion.
The incentive that Ari will get from the funds placed by Budi
Year 1 (Period 1 January 2021 – 31 January 2022):
IDR 1.2 billion x 0.375% = IDR 4,500,000
Incentive in Jan 2021:
(IDR 4,500,000 x 31): 365 days = IDR 382,192 per month
Year 2 (Period January 1, 2022 – January 31, 2023):
IDR 3 billion x 0.375% = IDR 7,500,000
Incentive in Jan 2022:
(IDR 7,500,000 x 31): 365 days = IDR 636,986 per month
Year 3 (Period January 1, 2023 – January 31, 2024):
IDR 4.2 billion x 0.125% = IDR 5,250,000
Incentive on Jan 2023:
(IDR. 5.250.000 x 31) : 365 days = IDR 445.890 per month
The total incentive Ari received from the funds placed by Budi =
4.500.000 + 7.500.000 + 5.250.000 = IDR 17.250.000
What to do when referring your friends or family?
Find potential customers to refer.
Visit Customer Service at the nearest KSP Sahabat Mitra Sejati branch or call 081806537277 or agen.sukm@sahabat-ukm.com
Fill in the deposit reference program form and submit the personal data of the prospective customer to be referred.
KSP Sahabat Mitra Sejati will contact prospective members and continue the deposit referral program process.
If deposit has been placed you get an incentive.
PROBIZ
Incentive* that the referrer will get
- Up to 2% of disbursed loan
- Various incentive:
i. Disbursement incentive
ii. Maintenance/renewal of incentive
iii. Loyalty incentive - Income tax on incentive, borne by the referrer
* as of March 2019, Subject to change
Incentive you can receive as referrals (percentage of disbursements)
Installment Loan
| Provisi | 1 | 2 | 3 | Incentive Total |
|---|---|---|---|---|
| Sales Incentive | Maintenance incentivea | Loyalty Incentiveb | ||
| 5% | 1,0% | 0,5% | 0,25% | 1,25% |
| 4% | – | – | 0,25% | |
| 3% | 0,25% | |||
| 2% | 0,25% | |||
| 1% | 0,25% |
Flexibel Loan (Current Account Loan)
| Provisi | 1 | 2 | 3 | Incentive Total | |
|---|---|---|---|---|---|
| Sales Incentive | Incentive for Extension | Loyalty Incentiveb | |||
| 1 | 2 | ||||
| 5% | 1% | 0,50% | 0,250% | 0,25% | 2,50% |
| 4% | 2,50% | ||||
| 3% | 2,00% | ||||
| 2% | 0,5% | 0,250% | 0,125% | 1,125% | |
| 1% | – | – | – | 2,50% | |
a Given if the loan remains smooth after a minimum of 9 months
b Given if there are at least 6 borrowers referred in 1 year
Incentive Calculation Illustration
In 2019, Chris helped Andre apply for an Installment Loan at KSP Sahabat Mitra Sejati for IDR 1 billion, a 5% fee. Chris also helped apply for loans for 9 other members with the same amount and provision, 4 out of 10 installment loans had been running for 9 months at the end of the year. Until the end of 2019 all loans were current. The incentive that Chris gets are:
Disbursement Incentive
| Plafon | : | 1 billion |
| Provisi | : | 5% |
| Total of members | : | 10 |
| Incentive | : | Plafon x Incentive |
| = | IDR 1 billion x 1.0% | |
| = | IDR 10 million/member | |
| = | IDR 100.000.000 |
Maintenance incentive
| Plafon | : | 1 billion |
| Provisi | : | 5% |
| Total of members ≥ 9 month | : | 4 members |
| Incentive | : | Plafon x Incentive |
| = | IDR 1 billion x 0,5% | |
| = | IDR 5 million/members | |
| = | IDR 20.000.000 |
Loyalty Incentive
| Total members | : | 10 |
| Total plafon | : | 10 billion |
| Incentive | : | Plafon x incentive |
| = | IDR 10 billion x 0,25% | |
| = | IDR 25.000.000 |
Total incentive received in 2019:
100.000.000 + 20.000.000 + 25.000.000 = IDR 145.000.000
Motorcycle Ownership Loans (PPSM), Car Ownership Loans (PPM) and BPKB Fund Loans
Incentive* that the referrer will get
- Various Incentive
i. Sales Commission
ii. Maintenance/renewal of incentive
iii. Loyalty incentive - Income tax on incentive, borne by the referrer
| Product | Loan Value | Sales Commission | Maintenance incentive |
|---|---|---|---|
| PPSM & Sahabat Tunai Motor | All Loan Value | 350 Ribu | Given to borrowers with current status**: – IDR 100,000 for the 6th and 12th months – IDR 200,000 for the 18th month and so on |
| PPM | < 500 juta | 800 ribu | |
| 500 – 700 juta | 1 juta | ||
| > 700 juta | 2 juta | ||
| Sahabat Tunai Mobil | All Loan Value | Min 2% of Loan Value |
* as of March 2019, subject to change
** No arrears > 15 days
Loyalty Incentive for Motorcycle Ownership Loans (PPSM) & BPKB for Motorcycle Loans & Cars
(in rupiah)
| Product | Loyalty Incentive* | ||
|---|---|---|---|
| A | No Rating | C | |
| PPSM & Pinjaman Dana BPKB Motor | 300.000 | 150.000 | 50.000 |
| PPSM & Pinjaman Dana BPKB Mobil | 300.000 | 150.000 | 50.000 |
* No arrears > 15 days
PPSM Referrer Rating Parameters
| Parameter | Rating | ||
|---|---|---|---|
| A | No Rating | C | |
| Loan runs for 6 months | > 15 | > 15 | All |
| Not in arrears for more than 30 days & Not applying for bad credit write-off | ≤ 10% | ≤ 10% | > 10% |
| % Backup Fee | ≤ 6,5% | ≤ 6,5% | ≤ 6,5% |
Illustration of PPSM Incentive Calculation and Sahabat Tunai Motor
Arum in 2019 sold 12 motorcycle units through the PPSM Program, of the 12 motorcycle units sold, 10 of them have been running for 6 months and are in current status. The total incentive received are:
Sales Incentive
| Loan Amount | : | 12 motorbikes |
| : | IDR 350.000 x 12 | |
| : | IDR 4.200.000 |
Maintenance Incentive
| Loan Amount > 6 Months & current | : | 10 motorbikes |
| : | IDR 100,000 x 10 : IDR 1,000,000 |
Loyalty Incentive
| Current loan amount | : | 10 motorbikes |
| : | IDR 300,000 x 10 : IDR 3,000,000 |
Total incentive received by Arum:
4.200.000 + 1.000.000 + 3.000.000 = IDR 8.200.000
Illustration of Calculation of PPM Incentives and Sahabat Tunai Mobil
Wicak in 2019 sold 12 cars through the PPM program, from 12 cars sold, 10 cars for Rp 600 million/car and 2 cars for Rp 800 million/car. Until the end of 2019, 10 of them have been running for 6 months and have current status, the total incentives received are
Sales Incentive
| Loan Amount | : | 12 |
| Incentive (10 cars – plafon 600 million/car) | : | IDR 1 million/vehicle x 10 = 10 million |
| Incentive (2 cars – plafon 800 million /car) | : | IDR 2 million/vehicle x 2 = 4 million |
| : | IDR 14.000.000 |
Maintenance incentive
| Loan amount 6 Months & current | : | 10 cars |
| : | IDR 100 thousand/vehicle x 10 cars | |
| : | IDR 1.000,000 |
Loyalty Incentive
| Total current loan | : | 10 cars |
| : | IDR 500 thousand/vehicle x 10 | |
| : | IDR 5,000,000 |
Total incentive received by Wicak:
14.000.000 + 1.000.000 + 5.000.000 = IDR. 20.000.000
What to do when referring your friends or family?
Find potential customers to refer.
Visit Customer Service at the nearest KSP Sahabat Mitra Sejati branch or call 0818 0653 7277 / Agen.sukm@Sahabat-ukm.com
Fill in the loan referral program form and submit the personal data of the prospective customer to be referred.
KSP Sahabat Mitra Sejati will contact prospective customers and continue the loan referral program process.
If the loan has been disbursed, you get an incentives.
For more information, contact the Customer Service at the KSP Sahabat Mitra Sejati Branch Office in your city.