a. PT Bank CIMB Niaga, Tbk. a. PT Bank CIMB Niaga, Tbk.
3. 3.
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Akta Fidusia No.7 tanggal 7 Desember 2007 atas tagihan piutang milik PT Wika Realty kepada Pihak Ketiga.
Fidusiary No.7 dated, December 7, 2007 on Trade Receivable's PT Wika Realty to third parties.
Dalam perjanjian kredit terdapat negative convenants , yaitu perusahaan wajib memberitahukan secara tertulis kepada bank jika:
The loan agreement contained a negative covenants, which the company must notify the bank if:
Merubah anggaran dasar dan susunan pemegang Changing the constitution and shareholding structure APHT atas HGB No.21, 25, 35, 39, 46, 59, 60
dan 65 atas nama PT Wika Realty di Curug, Sawangan, Depok Jawa Barat.
APHT on HGB No.21, 25, 35, 39, 46, 59, 60 and 65 on behalf of PT Wika Realty located at Curug, Sawangan, Depok, West Java. APHT atas HGB No.2108 PT Wika Realty di
Desa Gunung Samarinda, Balikpapan Utara, Kalimantan Timur.
APHT on HGB No.2108 on behalf of PT Wika Realty located at Gunung Samarinda, North Balikpapan, East Kalimantan.
Fidusia atas Rekening Peminjam, berdasarkan Akta No.22 tanggal 14 Juni 2006.
Fiduciary on Debtor’s account, based Fidusiary Deed No.22 dated June 14, 2006.
5. Perjanjian dijamin dengan aset perusahaan berupa tanah, bangunan, persediaan, mesin produksi dan piutang yang terkait dengan bisnis automotif.
5. The agreement is secured by company assets such as land, buildings, inventory, production machinery and receivables related to the automotive business.
Dalam perjanjian kredit dengan PT Bank CIMB Niaga, Tbk. terdapat negative covenant antara lain:
In a loan agreement with PT Bank CIMB Niaga, Tbk. there are negative covenants, among others:
4. Masa berlaku perjanjian adalah sampai dengan 13 Maret 2014.
4. The validity period of the agreement until March 13, 2014.
1. Fasilitas Bank Garansi (BG) - Revolving Basis - senilai maksimal Rp125.000.000.000 (nilai penuh) dengan tingkat bunga sebesar 11.5% per tahun.
1. Facilities Bank Guarantee (BG) - Revolving Base - to a maximum of Rp125,000,000,000 (full amount) with interest rate of 11.5% per annum.
2. Fasilitas Pinjaman Rekening Koran (PRK) senilai maksimal Rp5.000.000.000 (nilai penuh) dengan tingkat bunga 11% per tahun.
2. Loan Facility Account (PRK) to a maximum of Rp5,000,000,000 (full amount) at an interest rate of 11% per annum.
Fasilitas SKBDN, untukpenerbitan SKBDN dengan nilai kredit maksimal Rp125.000.000.000 (nilai penuh)
Facility SKBDN for publishing SKBDN with a maximum credit value Rp125,000,000,000 (full amount)
Debitur harus menjaga kepemilikan saham
Perseroan di PT Wika Intrade minimal 78,40%
Debtor shall maintain ownership of the shares of the Company in PT Wika Intrade at least 78.40% Debitur harus memberi pemberitahuan secara tertulis
kepada Bank apabila terdapat perubahan Anggaran Dasar Perusahaan, Susunan pemegang saham, susunan direksi dan membuat hutang baru ke bank lainnya.
Debtor are required to give notice in writing to the Bank if there are amendments to the Articles of Association, Structure of shareholders, directors and make new loans to banks / other institution.
Appraisal atas aset-aset yang dijaminkan dilakukan sekurang-kurangnya 1 kali dalam setahun.
Appraisal of assets pledged to do at least 1 times a year.
Pembagian dividen Dividend distribution
- Membuat hutang baru ke Bank lain dan atau institusi keuangan lainnya.
Create a new debt to another bank or other financial institutions.
Pada tanggal 13 Maret 2013 perusahaan telah
menandatangani Perjanjian Perubahan Dan
Pernyataan Kembali Perjanjian Kredit No.
246/AMD/CB/JKT/2011 dimana perusahaaan telah mendapatkan fasilitas kredit dari PT Bank CIMB Niaga, Tbk. berupa:
On March 13, 2013 the company has signed an Agreement Amendment and Restatement of Credit
Agreement No.246/AMD/CB/JKT/2011 where the
company have obtained a credit facility from PT Bank CIMB Niaga, Tbk. as follows:
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b. PT Bank Danamon Indonesia, Tbk. b. PT Bank Danamon Indonesia, Tbk.
1. 1. 2. 2. 3. 3. 4. 4. - - - - - - - -
c. PT Bank DBS Indonesia c. PT Bank DBS Indonesia
1. 1. 2. 2. 3. 3. - - - - - - - -
Menyerahkan Laporan Keuangan 3 bulanan (Inhouse Figure), termasuk laporan persediaan, piutang dagang dan hutang dagang paling lambat 90 hari sejak tanggal laporan dan Laporan Keuangan Tahunan Audited paling lambat 180 hari sejak tanggal pelaporan.
Submit a 3-month Financial Report (Inhouse Figure), including inventory reports, accounts receivable and payable no later than 90 days from the date of the report and the Audited Annual Financial Report no later than 180 days from the date of reporting.
PT Wika Intrade memperoleh fasilitas kredit dari PT Bank Danamon Indonesia Tbk sesuai surat perjanjian kredit No.058/PPWK/OTF/CBD/III/2012 tanggal 22 Maret 2012 dengan ketentuan sebagai berikut:
PT Wika Intrade obtain credit facilities from PT Bank
Danamon Indonesia Tbk according
No.058/PPWK/OTF/CBD/III/ 2012 letter of credit agreement dated March 22, 2012 with the following conditions:
Fasilitas Uncommitted Omnibus Trade Finance dengan limit kredit sebesar Rp70.000.000.000 (nilai penuh)
Uncommitted Omnibus Trade Finance Facility with a credit limit of Rp70,000,000,000 (full amount).
Fasilitas yang diberikan adalah Fasilitas Non Cash Loan untuk pembiayaan import dengan limit Rp50.000.000.000 (nilai penuh) dan USD500.000 (nilai penuh).
The facilities provided are non Cash Loan Facility
for financing imports with a limit of
Rp50,000,000,000 (full amount) and USD500,000 (full amount)
Masa berlaku perjanjian kredit terhitung sejak 17 Mei 2012 sampai dengan 15 Agustus 2013.
The validity period of the loan agreement from May 17 2012 up to August 15, 2013
Agunan atas perjanjian tersebut berupa jaminan fidusia atas tagihan dari kontrak tertentu yang di biayai oleh bank dan jaminan deposito.
Collateral for the agreement in the form of fiduciary on bills of certain contracts financed by the banks and guarantee deposits.
Debt Service Coverage Ratio (DSCR)/EBITDA minimum 2 (dua) kali.
Minimum Debt Service Coverage Ratio
(DSCR/EBITDA) is 2 times. Perusahaan memberitahukan kepada Bank jika
terjadi merger, menjual atau menyewakan sejumlah asset dengan nilai signifikan, perubahan anggaran dasar dan susuan pengurus serta struktur kepemilikan saham perusahaan.
Companies notify the Bank in case of mergers, sell or lease a number of assets with significant value, changes in statutes and wet nurse administrators as well as the ownership structure of company stock.
PT Wika Intrade memperoleh perpanjangan fasilitas kredit dari PT Bank DBS Indonesia sesuai surat perubahan ketiga atas perjanjian fasilitas perbankan No.437/PFPA-DBSI/VII/2012 tanggal 28 Agustus 2012 dengan ketentuan sebagai berikut:
PT Wika Intrade obtain amandment credit facilities from PT Bank DBS Indonesia ordered the third change of letter agreement banking facility No. 437/PFPA- DBSI/VII/2012 dated August 28, 2012 with the following conditions:
Dalam perjanjian kredit dengan PT Bank Danamon Indonesia, Tbk. terdapat negative covenant antara lain:
In a loan agreement with PT Bank Danamon Indonesia, Tbk. there are negative covenants, among others:
Current Ratio minimum 1 (satu) kali . Minimum Current Ratio is 1 (one) time .
Total Debt to Equity maksimum 3 (tiga) kali. Maximum Total Debt to Equity Ratio is 3 times.
EBITDA minimum 3,5 kali. Minimun EBITDA 3,5 times.
Minimum total Networth Rp50.000.000.000 (nilai penuh)
Minimum total Networth Rp50,000,000,000 (full amount)
Dalam perjanjian kredit dengan PT Bank DBS Indonesia terdapat negative covenant antara lain:
In a loan agreement with PT DBS Bank Indonesia there are negative covenants, among others:
Current Ratio minimum 1,2 kali. Minimum Current Ratio 1,2 times.
Quick Ratio 0,7 kali. Quick Ratio 0,7 times.
Tingkat suku bunga sebesar 10% sampai dengan 11% per tahun.
The interest rate charged is 10% up to 11% per annum.
Masa berlaku perjanjian kredit 22 Maret 2012 sampai dengan 22 Maret 2013 (Dalam proses perpanjangan).
The validity period of the loan agreement March 22, 2012 until March 22, 2013 (In the process of renewal).
Agunan atas perjanjian tersebut berupa kontrak jual beli.
Collateral for the agreement of sale and purchase contract.