Siti Wulandari
PFNA-2025-0521 · Hire-purchase · 2022 Porsche Cayenne Coupe · ID
Arrears
Rp 84.500.000
Days past due
167
Late stage
Next due
15 May
Rp 21.333.333
Outstanding
Rp 1.280.000.000
Payoff Rp 1.280.000.000
01
Pre-delinquency
Current, watching
02
Early-stage
1–30 DPD
03
Mid-stage
31–90 DPD
04
Late-stage
91+ DPD
05
Recovery
Post charge-off
06
Closure
Resolved
The story so far
Siti is 167d past due with arrears of Rp 84.500.000 on a hire-purchase for a 2022 Porsche Cayenne. Account has rolled to recovery; formal correspondence and asset disposition are on the table. Risk score is 88/100 — top quartile for migration risk.
Repayment trajectory
12 months back · 14 days forward
On-time 58% · 2 late · 2 missed · streak 0 mo
Past 12 months58% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days95% to closed
Today
+14d
On timeLateMissedPredicted: Closed · 95%
If we act now — predicted outcome
- No action95%
- Soft touch (SMS / email reminder)77%-18pp
- Full treatment (NBA + payment plan offer)61%-34pp
Top contributing factors
- DPD trajectory · 167d+0.31
- Asset value vs payoff (LTV)+0.14
- Channel responsiveness · soft+0.08
Vulnerability detection
No elevated signals
- Distress markers in last call31%
- Repeated hardship-page views without applying32%
- Late-night inbound contact attempts13%
- Bureau resilience score declining35%
Ability × Willingness
Hardship · 4% / 76%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
4%
Willingness to pay
propensity
76%
QuadrantHardship
Hardship case · willing but constrained. Open hardship pathway, restructure or payment-holiday before harder action.
Last interaction · 27d ago
Customer agreed to pay arrears within 7 days
Channel
phone
Talk ratio
38 / 62
Duration
2:14