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 Rp 100 million per member and a maximum of Rp 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 Rp 3 billion. Furthermore, on January 1, 2023, Budi again added his funds to Rp 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 = Rp 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 Rp 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
= Rp 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 = Rp. 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.

Register as a referral

Member Referral Program
Products to be referenced

For more information, contact the Customer Service at the KSP Sahabat Mitra Sejati Branch Office in your city.