Schema ID : CWD291040004

Closing Funding Period : 19 Jan 2020

Schema Start Date : 22 Jan 2020

First Repayment Date : 27 Feb 2020

Schema Factsheet

Schema Overview

Amount IDR 800,000,000 Type Promissory note

Tenor (month) 4 Loan Purpose This loan is a personal loan to

the shareholders of the
Interest Return (IRR) 22.2%
company. Analysis is carried
Frequency Bullet out using the guarantor

Type of Protection Working Order/Invoice company's data. This loan is

intended only for working
Tier B capital needs of the company.

Lender Return

Lender Fee 0

Loan Net Return % (eff p.a.) 21.1%

Loan Net Return % (IRR) 22.2%

Monthly Returned Amount IDR 0

Protection

Type of Protection Working Order/Invoice

Description 1. Direct Payment from Customer through Virtual Account.

2. Notarized Fiduciary Transfer Ownership for Receivables not less 125% than loan
Outstanding.
3. 1 (one) month Post Dated Cheque
4. Corporate Guarante
5. Credit Insurance covered 80% of Loan Amount

Company Details

Type of incorporation Private Limited Company

Year of incorporation 2012

Industry sector Maritime

City Pomalaa

Country Indonesia

Number of directors 1

Number of shareholders 4
Number of employees 100

Business Overview Established in 2012, borrower is engaged in Sea Freight Services specialized in move
mining products (nickel ore, coal and other minerals) with the scope of work in
Transshipment, loading and unloading, and providing workforce related to operations
at the port. Borrowers have several fleets such as dump trucks & tug boats to support
their working activities. The borrower has obtained a contract from PT Antam (Persero)
Tbk. with a 3 years duration from 2018 to 2021 to transfer nickel ore from the Jetty to
the Mother vessel. The ore nickel mine in Pomala, Kendari, Southeast Sulawesi. Day-to-
day operation led by key person who has experience in the Sea freight Services
industry. The number of employees now has more than 100 people both at the head
office and in the field.

Company Litigation None

Director Litigation None

Main Suppliers Top 5 Suppliers:

1. PT Dharma Rosadi Internasional
2. PT Bola Dunia Mandiri
3. PT Pam Mineral Group
4. PT Bumi Konawe Abadi
5. PT Sambas Mining

Main Customers Top 3 Customers:

1. PT Antam (Persero) Tbk. / PD Perdana Cipta Mandiri
2. PT Sinar Terang Mandiri
3. PT Sinar Karya Mustika

Repayment Schedule (IDR)

Month Principal Interest Instalment Balance

1st IDR 0 IDR 0 IDR 0 IDR 800,000,000

2nd IDR 0 IDR 0 IDR 0 IDR 800,000,000

3rd IDR 0 IDR 0 IDR 0 IDR 800,000,000

4th IDR 800,000,000 IDR 56,320,000 IDR 856,320,000 IDR 800,000,000

Total IDR 800,000,000 IDR 56,320,000 IDR 856,320,000

Last Financial Year Information

Average Monthly Revenue IDR 4,299,765,761

Last Financial Year Revenue IDR 51,597,189,129

Total Assets IDR 48,155,937,028

Total Liabilities IDR 22,910,421,974

Loans 1. Bukopin - Revolving - IDR 5.800.000.000,-

2. Bukopin - Term Loan - IDR 1.696.780.382,-
3. BNI Syariah - Investment - IDR 15.125.859.592,-

Credit Facility None

Profit & Loss

2017-12-31 2018-12-31

Revenue IDR 44,993,437,869 IDR 51,597,189,129

Cost of sales IDR 30,559,891,491 IDR 33,961,037,959

Gross profit IDR 14,433,546,378 IDR 17,636,151,170

EBIT IDR 11,287,443,778 IDR 10,047,483,974

Income Taxes IDR 420,057,637 IDR 233,152,843

Net Profit (Loss) for the year IDR 3,780,518,749 IDR 4,098,375,687

Balance Sheet

2017-12-31 2018-12-31

Fixed Asset IDR 26,096,704,705 IDR 31,893,193,768

Current Asset IDR 12,546,728,486 IDR 16,262,743,260

Total Asset IDR 38,643,433,191 IDR 48,155,937,028

Fixed Liabilities IDR 8,853,849,500 IDR 16,822,639,974

Current Liabilities IDR 8,642,444,324 IDR 6,087,782,000

Total Liabilities IDR 17,496,293,824 IDR 22,910,421,974

Equity IDR 21,147,139,367 IDR 25,245,515,054

Total Liabilities and Equity IDR 38,643,433,191 IDR 48,155,937,028

Financial Ratios

2017-12-31 2018-12-31

Gross Margin 32.1% 34.2%

Net Margin 8.4% 7.9%

CURRENT RATIO 1.4 2.7

QUICK RATIO 0.7 1.3

LEVERAGE RATIO 0.8 0.9

Comment
Financial Total Assets in December 2018 increased by 24,6% compared to 2017 contributed by an increase in Cash &
Account Receivable as an impact of business growth and increasing in Fix Asset due to company bought a tug
boat to strengthen the fleets . Total Assets comprises of Cash (1,1%), Accounts Receivable (15,8%), Fix Assets
(66,2%).

Increased in Total Assets is following by increase in Total Liabilities originating from increasing outstanding of
Bank Loan. Liabilities comprises of Short Term Debt & Bank Loan (12%), Account Payable (0,6%), and Bank Loan
(35%).

Financial ratio is remain acceptable with Current Ratio 2,67x and Leverage Ratio 0,91x.

Overall financial as of December 2018 shows an adequate performances.

Profitability Revenue in 2018 Increased by 15% compared to 2017 due to company has already started the project from PT
ANTAM Tbk. Company has secured 3 years contract with PT ANTAM Tbk to move ore nickel from jetty to the
Mother Vessel.

The Gross Margin Profit shows a stable tendency compared to 2017. The increase in income is still relatively
good and able to maintain the cost of production and efficiency in operating costs resulting in stable net profit
by 8%

Overall the company shows stable profitability over the past 2 years.

Loan Purposes Working Capital to finance invoices from PD Perdana Cipta Mandiri - PT ANTAM (Persero) Tbk. Total duration of 3
Years with a total value of IDR75 billion.

Average lead time for the repayment from the customer was 87 days, and the longest repayment from the
Customer was 95 days. Loan tenure for the loan is 4 months.

Risk Profile

Industry Risk Sea Freight Services industry is exposed to risk events - a variety of physical and non-physical risks need to be
considered including operational process, geographic factors, goods quality, volatility in pricing, regulatory
changes, etc.

The company has developed an operational system that is quite effective, as evidenced by the company's ability
to maintain operational costs in accordance with the budget.

Business Risk In the Sea Freight Services industry, Company exposed Operational Risks such as demurrage. The company is
currently mitigating these risks by developing operational system to minimize the risks.

Key Person Risk Keyperson experienced more than 10 years in sea freight services and supported by experienced staffs in the
industry.

Reputations No negative news up to date

Key Person 1

Age 36

Address Anggopiu, Depai, Konawe Selatan

Education Bachelor of Economy

Expertise Supply Chain Management & Product Management

Prior Experience Director

Title Director

Key Person 2

Age 32

Address Anggopiu, Depai, Konawe Selatan

Education Bachelor in Economy

Expertise Finance

Prior Experience Commisioner

Title Commisioner

Submitted Documents

Company Registry Available

Company Deed and Article of Association Available

Company Latest Deed Amendment Available

Company Directors' ID Available

Company Directors' Tax Identification Card Available

Tax Payment Declaration Available

Business License Available

Company Domicile Letter Available

Company Tax Identification Card Available

Commercial Agreements Available

Bank Statement Available

Audited Financial Statement 2017 & 2018 Available

 Repayment Information Borrower External Review

# of loans 3 # of on time payments 0%

# of on time payments 0 # of below 30 days delayed 0%

payments
# of below 30 days delayed 0
payments # of over 30 days delayed 0%
payments
# of over 30 days delayed 0
payments

Important Notice

The provision of services by PT Mediator Komunitas Indonesia ("Company") is governed by and subject to the Terms and Conditions made available
online through http://p2p.crowdo.com. All facility request made to the Company have been assess by our credit assessment team or our Partners. This
means only established and creditworthy businesses are able to borrow through our platform. However, as with all investments, lending your money
for a return will always have financial risks. Facilities made on the platform are not insured and there is a risk that a business may not be able to repay
the facility. While the Company has a recovery system in place, you may still lose some or all of your investments, including your initial capital. Lenders
may participate in multiple facilities to build a diversified portfolio, so that in the unfortunate event that one borrower defaults, the lender is less likely
to lose his/her entire capital, although the overall rate of return may decrease as a result. Individual portfolio results may vary, depending on, among
other things, the diversity of the portfolio, exposure to any single borrower, group of borrowers or industry, as well as macroeconomic conditions. Any
past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any company or
investment. Lenders are responsible for paying all taxes imposed by relevant authorities on any interests received and the amount of tax payable is
dependent on individual circumstances. The information provided does not take into account your specific investment objectives, financial situation or
particular needs. Before you act on any information on this platform, you should always seek independent financial, tax and legal advice or make such
independent investigations as you consider necessary or appropriate regarding the suitability of the investment product, taking into account your
specific investment objectives, financial situation or particular needs.

Disclaimer

PT Mediator Komunitas Indonesia (“Company”), which is registered in Indonesia (License. No. 15/24.1PK/31.73.07/-1.824.27/e/2016), provides services
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