Pada tanggal 31 Desember 2020, WIKA IKON telah memenuhi syarat dan kondisi pinjaman.
As of December 31, 2020, WIKA IKON has complied with the terms and conditions of the loan.
Saldo utang bank per 31 Desember 2020 dan 2019 masing-masing sebesar Rp170.000.000 dan Rp141.500.000.
The bank loan balance as of December 31, 2020 and 2019 amounted to Rp170,000,000 and Rp141,500,000, respectively.
Pembayaran yang dilakukan untuk tahun-tahun yang berakhir pada tanggal 31 Desember 2020 dan 2019 masing-masing Rp396.950.000 dan Rp175.000.000.
Payments made for the years ended December 31, 2020 and 2019 amounted to Rp396,950,000 and Rp175,000,000, respectively.
PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
Pada tanggal 22 Mei 2018, WIKA IKON melakukan perpanjangan terhadap perjanjian kredit sebelumnya dengan PT Bank Danamon Indonesia Tbk dengan menandatangani perjanjian fasilitas kredit dengan No: 118/PPWK/CBD/V/2018 untuk fasilitas uncommitted omnibus trade finance. Perjanjian ini berlaku sejak 22 Mei 2018 sampai 22 April 2019 dan hanya berlaku selama 1 tahun.
On May 22, 2018, WIKA IKON made an extension of the previous credit agreement with PT Bank Danamon Indonesia Tbk by signing a credit facility agreement with No: 118/PPWK/CBD/V/2018 for uncommitted trade finance omnibus facilities. This agreement is valid from May 22, 2018 to April 22, 2019 and is only valid for 1 year.
Berdasarkan Akta Perpanjangan Perjanjian Kredit No.118/PPWK/CBD/V/2018 Notaris E. Betty Budiyanti Moesigit, S.H., tertanggal 22 Mei 2018, dibuat di hadapan WIKA IKON memperoleh fasilitas pinjaman dari PT Bank Danamon Indonesia Tbk dengan rincian fasilitas sebagai berikut:
Based on the Deed of Credit Agreement No.118/PPWK/CBD/V/2018 Notary E. Betty Budiyanti Moesigit, S.H., dated May 22, 2018, WIKA IKON obtained a loan facility from PT Bank Danamon Indonesia Tbk with the following details:
Jenis Fasilitas Sight Letter of Credit (L/C) dan/and SKBDN Facility Type
Plafon Rp40,000,000 Limit
Jangka Waktu sampai dengan 22 April 2019 / until April 22, 2019 Time Period Jenis Fasilitas Usance Letter of Credit (L/C) Impor dan/and SKBDN Facility Type
Plafon Rp40,000,000 Limit
Jangka Waktu sampai dengan 22 April 2019 / until April 22, 2019 Time Period
Plafon Rp40,000,000 Limit Jangka Waktu sampai dengan 22 April 2019 / until April 22, 2019 Time Period
Jenis Fasilitas Bank Garansi/Bank Guarantee Facility Type
Plafon Rp10,000,000 Limit
Jangka Waktu sampai dengan 22 April 2019 / until April 22, 2019 Time Period
Jenis Fasilitas Standby Letter of Credit Facility Type
Plafon Rp10,000,000 Limit
Jangka Waktu sampai dengan 22 April 2019 / until April 22, 2019 Time Period
Jenis Fasilitas Open Account Financing Facility Type
Plafon Rp10.000.000 Limit
Jangka Waktu sampai dengan 22 April 2019 / until April 22, 2019 Time Period
Jenis Fasilitas Fasilitas Trade Supplier Financing Facility Type
Plafon Rp40,000,000 Limit
Jangka Waktu sampai dengan 22 April 2019 / until April 22, 2019 Time Period Fasilitas ini WIKA IKON wajib menyerahkan jaminan
fidusia atas piutang dan/atau kontrak penjualan dan/atau purchase order dengan nilai penjaminan minimal sebesar 115% dari total outstanding Fasilitas Omnibus Trade Finance (PRK KMK) dan menyerahkan jaminan cash margin sebesar 15% setiap pembukaan Letter of Credit (L/C, Surat Kredit Berdokumen Dalam Negeri (SKBDN), Usance Payable At Sight (UPAS), Bank Garansi (BG), dan Stand By Letter of Credit (SBLC)), serta wajib memenuhi persyaratan menjaga rasio keuangan sebagai berikut:
On this facility WIKA IKON is obliged to submit trade accounts receivable and / or inventories and / or working in progress and / or due from customer minimum of 115% of the total outstanding Omnibus Trade Finance (PRK KMK) facility and submit cash margin guarantee of 15% every time a Letter of Credit (L/C, Domestic Letter of Credit (SKBDN), Usance Payable At Sight (UPAS), Bank Guarantee (BG), and Stand By Letter of Credit (SBLC)), and must fulfill the requirements of maintaining financial ratios as follows:
Current Ratio minimum 1 (satu) kali;
Total Debt to Equity maksimum 3 kali;
Debt Service Coverage Ratio (DSCR) minimum 2 kali.
Current Ratio minimum of 1 (one) time;
Debt to Equity Ratio maximum of 3 times;
Debt Service Coverage Ratio (DSCR) minimum of 2 times.
Saldo utang bank per 31 Desember 2020 dan 2019 sebesar nihil.
The bank loan balance as of December 31, 2020 and 2019 amounted to nil, respectively.
Pembayaran yang dilakukan untuk tahun-tahun yang berakhir pada tanggal 31 Desember 2020 dan 2019 masing-masing nihil dan Rp10.000.000.
Payments made for the years ended December 31, 2020 and 2019 amounted to nil and Rp10,000,000, respectively.
PT Bank DKI PT Bank DKI
Berdasarkan Akta Perjanjian Kredit Modal Kerja No 58 Notaris Dr. Agung Iriantoro, S.H., M.H., tertanggal 31 Oktober 2019, dibuat di hadapan WIKA IKON memperoleh fasilitas pinjaman dari PT Bank DKI dengan rincian fasilitas sebagai berikut:
Based on the Agreement Deed of Working Capital Credit No 58 Notary Dr. Agung Iriantoro, S.H., M.H., dated October 31, 2019, WIKA IKON obtained a loan facility from PT Bank DKI with the following details: Jenis Fasilitas Kredit Modal Kerja/Working Capital Credit Facility Type
Plafon Rp20,000,000 Limit
Jangka Waktu sampai dengan 11 Nov 2021 / until Nov 11, 2021 Time Period
Tujuan Modal Kerja Operasional/Operational Working Capital Purpose
Jenis Fasilitas Kredit Modal Kerja/Working Capital Credit Facility Type
Plafon Rp80,000,000 Limit
Jangka Waktu sampai dengan 11 Nov 2021 / until Nov 11, 2021 Time Period
Jenis Fasilitas Kredit Modal Kerja/Working Capital Credit Facility Type
Plafon Rp100,000,000 Limit
Jangka Waktu sampai dengan 11 Nov 2021 / until Nov 11, 2021 Time Period
Tujuan Untuk pengerjaan proyek/ For project Purpose
Fasilitas ini WIKA IKON wajib menyerahkan piutang usaha dan/atau persediaan pemberi kerja minimal sebesar 125% (seratus dua puluh lima persen) dari Fasilitas Kredit Modal Kerja Pinjaman Rekening Koran (KMK PRK) dan Kredit Modal Kerja Pinjaman Tetap Berjangka Sublimit Bank Garansi, LC/SKBDN, serta wajib memenuhi persyaratan menjaga rasio keuangan sebagai berikut:
On this facility WIKA IKON is obliged to submit trade accounts receivable and / or inventories minimum of 125% (one hundred twenty five percent) of the Working Capital Credit Facility Account (PRK KMK) and Capital Credit Permanent Fixed-Term Sublimit Bank Guarantee Loans, LC / SKBDN, and must fulfill the requirements of maintaining financial ratios as follows:
Current Ratio minimal 100%;
Debt Service Coverage Ratio minimal 100%;
Total Utang terhadap Piutang dan Setara Kas maksimal 1 kali;
Debt to Equity Ratio maksimal 450%;
Piutang yang menunggak lebih dari 90 hari tidak lebih dari 3% total piutang.
Current Ratio minimum of 100%;
Debt Service Coverage Ratio minimum of 100%;
Debt to Receivables and Cash Equivalents maximum of 1 time;
Debt to Equity Ratio maximum of 450%;
Receivables that outstanding more than 90 days are no more than 3% of total receivables Pada tanggal 31 Desember 2020, WIKA IKON tidak
memenuhi minimum rasio debt service coverage, rasio utang terhadap piutang dan kas, dan piutang yang menunggak lebih dari 90 hari tidak lebih dari 3% total piutang.
As of December 31, 2020, WIKA IKON did not comply with minimum debt service coverage ratio, debt to receivables and cash equivalents and receivables that outstanding more than 90 days are no more than 3% of total receivables.
Saldo utang bank per 31 Desember 2020 dan 2019 masing-masing sebesar Rp199.920.856 dan Rp171.000.000.
The bank loan balance as of December 31, 2020 and 2019 amounted to Rp199,920,856 and Rp171,000,000, respectively.
Pembayaran yang dilakukan untuk tahun-tahun yang berakhir pada tanggal 31 Desember 2020 dan 2019 masing-masing Rp 442.529.288 dan Rp261.500.000.
Payments made for the years ended December 31, 2020 and 2019 amounted to Rp442,529,288 and Rp261,500,000, respectively.
PT Bank DBS Indonesia PT Bank DBS Indonesia
Pada tanggal 20 Januari 2020, WIKA IKON melakukan perpanjangan perjanjian dengan PT Bank DBS Indonesia dengan menandatangani perjanjian fasilitas perbankan dengan No. 016/PFPA-DBSI/I/1-2/2020 untuk fasilitas Bank Guarantee/BG, Sight L/C, Usance L/C, Upas L/C sebesar Rp100.000.000. Perjanjian ini berlaku sejak 8 Oktober 2019 sampai 7 Oktober 2020 dan hanya berlaku selama 12 bulan.
On January 20, 2020, WIKA IKON extended the agreement with PT Bank DBS Indonesia by signing a banking facility agreement with No. 016/PFPA-DBSI/I/1-2/2020 for Bank Guarantee / BG, Sight L/C, Usance L/C, Upas L/C amounting to Rp100,000,000. This agreement is valid from October 8, 2019 to October 7, 2020 and is only valid for 12 months.
Berdasarkan Akta Perjanjian Fasilitas Perbankan No. 001/PFPA-DBSI/I/1-2/2018 Notaris Mala Mukti, S.H., Lex Legibus Magister tertanggal 4 Januari 2018, dibuat di hadapan WIKA IKON memperoleh fasilitas pinjaman dari PT Bank DBS Indonesia dengan rincian fasilitas sebagai berikut:
Based on the Deed of Banking Facility Agreement No. 001/PFPA-DBSI/I/1-2/2018 Notary Mala Mukti, SH, Lex Legibus Magister dated January 4, 2018, WIKA IKON obtained a loan facility from PT Bank DBS Indonesia with detail of the facilities as follows:
Jenis Fasilitas Fasilitas Perbankan/Banking facilities Facility Type
Plafon Rp100,000,000 Limit
Berdasarkan perjanjian No.016/PFPA-DBSI/I/1-2/2020, WIKA IKON dan PT Bank DBS Indonesia memperpanjang jangka waktu pinjaman sampai dengan 7 Oktober 2020.
Based on the agreement No.016/PFPA-DBSI/I/1-2/2020, WIKA IKON and PT Bank DBS Indonesia extend the time period of the credit until October 7, 2020.
Fasilitas ini WIKA IKON wajib menyerahkan Jaminan kebendaan Fidusia atas Tagihan/ Sales Contract tertentu/Purchase Order tertentu nasabah nasabah yang dibiayai oleh bank berdasarkan perjanjian ini untuk menjamin kewajiban nasabah kepada bank berdasarkan Fasilitas Perbankan dengan nilai penjaminan sekurang-kurangnya sejumlah Rp62.500.000, sebagaimana termaktub dalam Sertifikat Jaminan Fidusia No. W7-015369 HT.04.06.TH.2008/STD, tertanggal 24 November 2008 dan Perjanjian gadai atas deposito milik nasabah yg disimpan di bank untuk menjamin kewajiban nasabah kepada bank berdasarkan fasilitas perbankan dengan nilai penjaminan sekurang-kurangnya sebesar 5% dari jumlah terutang Fasilitas Perbankan apabila nasabah dapat menyetorkan langsung hasil usahanya melalui bank atau sekurang-kurangnya sebesar 10% dari jumlah terutang Fasilitas Perbankan apabila nasabah tidak dapat menyetorkan langsung hasil usahanya melalui bank, serta wajib memenuhi persyaratan menjaga rasio keuangan sebagai berikut:
On this facility WIKA IKON is obliged to submit a Fiduciary Material Guarantee for a particular Bill / Sales Contract / certain Purchase Orders for customer customers financed by the bank based on this agreement to guarantee customer obligations to banks based on Banking Facilities with a guarantee value of at least Rp62,500,000 as set forth in the Fiduciary Guarantee Certificate No. W7-015369 HT.04.06.TH.2008 / STD, dated November 24, 2008 and a mortgage agreement on deposits held by customers deposited in the bank to guarantee customer obligations to the bank based on banking facilities with a guarantee value of at least 5% of the outstanding amount of the Banking Facility if the customer can deposit the proceeds directly through the bank or at least 10% of the outstanding amount of the Banking Facility if the customer cannot deposit the proceeds directly through the bank, and is obligated to maintain financial ratio requirements as follows:
EBITDA to Interest Expenses sekurang-kurangnya 1,25 kali.
Current Ratio sekurang-kurangnya 1,20 kali. Quick Ratio sekurang-kurangnya 0,70 kali.
Minimum Total Net Worth sekurang-kurangnya Rp50.000.000.
EBITDA to Interest Expenses of at least 1.25 times
Current Ratio of at least 1.20 times. Quick Ratio of at least 0.70 times.
Minimum Net Worth Total is at least Rp50,000,000
Pada tanggal 31 Desember 2020, WIKA IKON telah memenuhi syarat dan kondisi pinjaman.
As of December 31, 2020, WIKA IKON is compliance with the terms and conditions of the loans.
Saldo utang bank per 31 Desember 2020 dan 2019 masing-masing sebesar nihil dan Rp10.000.000.
The bank loan balance as of December 31, 2020 and 2019 amounted to nil and Rp10,000,000, respectively.
Pembayaran yang dilakukan untuk tahun-tahun yang berakhir pada tanggal 31 Desember 2020 dan 2019 masing-masing Rp20.000.000 dan Rp10.000.000.
Payments made for the years ended December 31, 2020 and 2019 amounted to Rp20,00,000 and Rp10,000,000, respectively.
PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk
Pada tanggal 20 Desember 2019, WIKA IKON melakukan perpanjangan perjanjian dengan PT Bank CIMB Niaga Tbk dengan menandatangani perjanjian fasilitas kredit dengan No:262/BN/CBTVI/XII/18 untuk fasilitas Bank Garansi sebesar Rp300.000.000, L/C dan SKBDN sebesar Rp300.000.000, Fasilitas pinjaman transaksi khusus II sebesar Rp140.000.000, Pinjaman Rekening Koran sebesar Rp10.000.000, dan Fasilitas Trust Receipt sebesar Rp150.000.000. Perjanjian ini berlaku sejak 14 Januari 2020 sampai 14 Juli 2020 dan hanya berlaku selama 6 bulan.
On December 20, 2019, WIKA IKON made an extension of the agreement with PT Bank CIMB Niaga Tbk by signing a credit facility agreement with No: 262/BN/CBTVI/XII/18 for a Bank Guarantee facility of Rp300,000,000, L/C and SKBDN of Rp300,000,000, Special transaction loan facility II amounting to Rp140,000,000, Current Account Loan amounting to Rp10,000,000, and Trust Receipt Facility amounting to Rp150,000,000. This agreement is valid from January 14, 2020 to July 14, 2020 and is only valid for 6 months.
Berdasarkan Surat Perpanjangan Fasilitas Kredit No: 410/AMD/CB/JKT/2020 tanggal 16 Oktober 2020, Perusahaan memperoleh fasilitas pinjaman dari PT Bank CIMB Niaga Tbk dengan rincian fasilitas sebagai berikut:
Based on the Credit Facility Extension Letter No: 410/AMD/CB/JKT/2020 October 16, 2020, the Company obtained a loan facility from PT Bank CIMB Niaga Tbk with the following facility details:
Jenis Fasilitas Bank Garansi/Bank Guarantee Facility Type
Plafon Rp200,000,000 Limit
Jangka Waktu sampai dengan 16 Maret 2021 / until March 16, 2021 Time Period
Jenis Fasilitas Letter of Credit Impor Facility Type
Plafon Rp200,000,000 Limit
Jangka Waktu sampai dengan 16 Maret 2021 / until March 16, 2021 Time Period
Suku Bunga UPAS sebesar Subject to Market Rate Interest
Jenis Fasilitas Fasilitas Bank Garansi iB Kafalah/ iB Khafalah Bank Guarantee Facility
Facility Type
Plafon Rp200,000,000 Limit
Jangka Waktu sampai dengan 16 Maret 2021/ until March 16, 2021 Time Period
Jenis Fasilitas Letter of Credit iB-Wakalah Facility Type
Plafon Rp200,000,000 Limit
Jangka Waktu sampai dengan 16 Maret 2021/ until March 16, 2021 Time Period Jenis Fasilitas Fasilitas Trust Receipt iB/ iBTrust Receipt Facility Facility Type
Plafon Rp200,000,000 Limit
Jangka Waktu Sampai dengan 16 Maret 2021/ until March 16,2021 Time Period Jenis Fasilitas Fasilitas Pinjaman Transaksi Khusus II/ Special Transaction
Loan Facility II
Facility Type
Plafon Rp140,000,000 Limit
Jangka Waktu sampai dengan 16 Maret 2021/ until March 16, 2021 Time Period
Suku Bunga 10.25% per tahun/ 10.25% per year Interest
Jenis Fasilitas Pinjaman Rekening Koran (PRK)/ Current Account Loan Facility Type
Plafon Rp10,000,000 Limit
Jangka Waktu sampai dengan 16 Maret 2021/ until March 16, 2021 Time Period
Suku Bunga 10.50% per tahun/ 10.50% per year Interest
Jenis Fasilitas Fasilitas Trust Receipt/ Trust Receipt Facility Facility Type
Plafon Rp150,000,000 Limit
Jangka Waktu sampai dengan 16 Maret 2021/ until March 16, 2021 Time Period
Suku Bunga 9,50% per tahun / 9,50% per year Interest
Fasilitas ini WIKA IKON wajib menyerahkan mesin-mesin milik debitur dengan nilai penjaminan sebesar Rp42.820.780 yang diikat secara fidusia, Barang persediaan milik debitur dengan nilai penjaminan sebesar Rp50.000.000 yang diikat secara fidusia, Piutang dagang (tagihan) milik debitur dengan nilai penjaminan sebesar Rp500.000.000 yang diikat secara fidusia dengan ketentuan piutang dagang berstatus lancar, Letter of Comfort dari Perusahaan Holding untuk selalu mendukung penuh kegiatan usaha debitur, serta wajib memenuhi persyaratan menjaga rasio keuangan Current Ratio minimum 1 kali.
On this facility WIKA IKON is obliged to deliver machinery owned by the debtor with a guarantee value amounting Rp42,820,780, bound by fiduciary, inventory of debtor with a guarantee value amounting to Rp50,000,000 tied in a fiduciary manner, accounts receivable (bills) owned by the debtor with a guarantee value amounting to Rp500,000,000 bound by fiduciary provisions on the accounts receivable trading status, Letter of Comfort from the Company to always fully support the debtor's business activities, and must fulfill the requirements of maintaining financial Current Ratio minimum of 1 time.
Pada tanggal 31 Desember 2020, WIKA IKON telah memenuhi syarat dan kondisi pinjaman.
As of December 31, 2020, WIKA IKON is compliance with the terms and conditions of the loans.
Saldo utang bank per 31 Desember 2020 dan 2019 masing-masing sebesar Rp139.864.996 dan Rp38.500.000.
The bank loan balance as of December 31, 2020 and 2019 amounted to Rp139,864,996 and Rp38,500,000, respectively.
Pembayaran yang dilakukan untuk tahun-tahun yang berakhir pada tanggal 31 Desember 2020 dan 2019 masing-masing Rp384.672.075 dan Rp444.350.000.
Payments made for the years ended December 31, 2020 and 2019 amounted to Rp384,672,075 and Rp444,350,000, respectively.
WIKA RK WIKA RK
PT Bank Negara Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk Berdasarkan Surat Persetujuan Perpanjangan
Fasilitas Kredit No. BIN/2.1/154/R tanggal 14 Mei 2020 dengan ketentuan dan syarat-syarat sebagai berikut:
Based on the Approval Letter for Credit Facility Extension No. BIN/2.1/154/R dated May 14, 2020 with the following terms and conditions:
Fasilitas kredit: The credit facility:
i. Plafond KMK Transaksional i. Plafond KMK Transactional Plafon : Rp50.000.000 Plafon : Rp50,000,000
Jangka waktu : 21 Mei 2020–20 Mei 2021 Time period : May 21, 2020 – May 20, 2021
Jenis fasilitas : Plafond bersifat Revolving Realisasi kredit bersifat clean up per proyek atau angsuran sesuai termin yang masuk
Facility type : Revolving plafond Credit realization is clean up per project or installments according to incoming terms.
Bunga : 9,75% per tahun Interest rate : 9.75% per annum
Provisi : 0,50% dari maksimum kredit dibayar 1 kali dipungut di muka.
Provision : 0.50% from maximum credit is paid 1 time prepaid collected. Biaya
Administrasi
: Rp5.000 Administration
Fee
: Rp5,000
ii. Plafond Non Cash Loan ii. Plafond Non Cash Loan
Plafon : Rp100.000.000. Plafon : Rp100,000,000. Keperluan : - Garansi Bank/SBLC
- SKBDN/LC
- Fasilitas Trust Receipt (T/R)
- Supply Chain Financing (SCF)
Purpose : - Garansi Bank/SBLC - SKBDN/LC
- Fasilitas Trust Receipt (T/R) - Supply Chain Financing
(SCF)
Jangka waktu : 21 Mei 2020 – 20 Mei 2021 Time period : May 21, 2020 – May 20, 2021 Bentuk/ Sifat : - SKBDN/LC: Sight atau
Usance, UPAS atau UPAU;
- T/R: Clean Up
Nature : - SKBDN/LC: Sight or Usance, UPAS or UPAU; - T/R: Clean Up
Biaya administrasi : Rp5.000 Administration fee
: Rp5,000
Provisi : - Untuk Penerbitan
GB/SBLC:
0,50 % p.a. proporsional dengan
jangka waktu
penerbitan GB/SBLC
Character : - For GB / SBLC Issuance: 0.50% p.a. proportional
with a period of issuance of GB / SBLC
Dalam hal GB/SBLC diterbitkan untuk kepentingan
Kerjasama Operasi (KSO)/ Joint Operation (JO), maka nilai nominal GB/SBLC yang dapat diberikan propisi 0,5% p.a dihitung sesuai porsi dalam GB/SBLC. Provisi penerbitan GB/SBLC minimum sebesar Rp250 - Untuk Penerbitan SKBDN/LC: Pembukaan: 0,50% p.a. dari nilai LC/SKBDN;
Amendment:
0,50% p.a. dari nilai LC/SKBDN;
Akseptasi: 0,75% p.a. dihitung dari nilai dan tenor akseptasi. - Bunga dan provisi atas
fasilitas TR sesuai dengan tingkat suku bunga dan provisi fasilitas KMK;
- Untuk SCF, tingkat bunga, provisi dan biaya administrasi fasilitas SCF ditetapkan oleh BNI secara berkala.
In the event that the GB / SBLC is issued for the benefit of Joint Operation (JO), the nominal value of GB / SBLC which can be given a proportion of 0.5% p.a is calculated according to the portion in GB / SBLC. Minimum GB / SBLC issuance proportion is Rp250 - For SKBDN / LC Issuance: Opening: 0.50% p.a. of LC/SKBDN value; Amendment: 0.50% p.a. of LC / SKBDN value Acceptance: 0.75% p.a. calculated from the value and tenor of the acceptances
- Interest and provision for TR facility according to the interest rate and provision for working capital credit facilities;
- For SCF, the interest rate, fees and administrative costs for the SCF facility are determined by BNI regularly.
Jaminan : Piutang termin atas proyek - proyek diikat cessie.
Warranty : Term receivables for projects are tied to cessie.
Dalam perjanjian kredit, WIKA RK harus mempertahankan kinerja keuangan dengan indikator rasio keuangan sebagai berikut:
In the credit agreement, the WIKA RK must maintain financial performance with the following financial ratio indicators:
Current Ratio (CR) minimal 1(satu) kali Current Ratio adalah perbandingan antara asset lancar dengan utang lancar pada laporan keuangan audited/home statement WIKA RK;
Current Ratio (CR) at least 1 (one) time Current Ratio is a comparison between current assets and current liabilities in the WIKA RK's audited / home statement financial statements;
Debt to Equity Ratio (DER) maksimal 4 (empat) kali Debt to Equity Ratio adalah perbandingan antara total utang terhadap total ekuitas pada laporan keuangan audited/home statement WIKA RK;
Debt to Equity Ratio (DER) maximum 4 (four) times Debt to Equity Ratio is the ratio between total liabilities to total equity in the WIKA RK's audited / home statement financial statements;
Rasio Debt Service Coverage (DSC) minimal 100% Rasio Debt Service Coverage adalah perbandingan antara EBITDA dengan kewajiban angsuran jatuh tempo dan bunga pada laporan keuangan audited/home statement WIKA RK.
Debt Service Coverage (DSC) ratio of at least 100% The Debt Service Coverage ratio is the ratio between EBITDA and maturity installments and interest on the WIKA RK's audited/ home statement financial statements.
Dalam perjanjian kredit WIKA RK tidak diperkenankan melakukan antara lain sebagai berikut:
In the credit agreement, WIKA RK is not allowed to do are the following:
1) Melakukan perubahan kegiatan usaha sebagaimana tercantum dalam anggaran dasar WIKA RK yang dapat mengurangi kemampuan WIKA RK melunasi fasilitas kredit kepada BNI, kecuali dipersyaratkan oleh peraturan