How is the process of collecting customer defaults on Cairin online loans? We'll explore how and see if Cairin uses the field Debt Collector that comes to the house or not. Will Cairin also charge your relatives, friends? In general, the collection process for defaulting customers on Cairin online loans is carried out by telephone and visits, which can involve 3rd party debt collectors, and it is possible for field DCs to come to the house to collect, even contact family, friends or relatives, but as P2P organizers. Legally licensed by OJK Cairin must comply with the billing code of ethics that has been set by the OJK and AFPI to protect the interests of consumers.
39;s cellphone before the due date to remind customers of the obligation to make payments.
When the customer is late in paying past the due date, the loan company starts the billing process. In the P2P loan agreement, providers such as Cairin have an obligation to process the collection on behalf of the lender. And technically, organizers understand more about collection methods and techniques than lenders. Field Collection Field, namely billing that is carried out directly, through visits to homes, areas/places of domicile. Front End. Collection efforts are more focused on services or services, education and reminding borrowers of their obligations. Mid Range & Back End Collection. Billing to protect the assets of the Lender. In the early stages, Cairin will send an sms or message to the cellphone number on the debtor's cellphone before the due date to remind customers of the obligation to make payments. You can pay bills via ATM transfer, M-Banking, and all ALFA GROUP branches. After the due date, usually a 3 day grace period, the collection team will start working by sending a message to the debtor as a warning effort to repay the loan. The name is a warning letter, but in practice there is no letter sent to customers who fail to pay.
Phone calls can also be made with a Robotic system to ensure billing quality.
If the debtor does not respond well to the warning sent, Cairin's collection team will increase the intensity by making collections through direct phone calls to the debtor. Telephone is a means of communication used in the Desk Collection. Phone calls can also be made with a Robotic system to ensure billing quality. A higher call intensity may be made to accounts deemed by the P2P Operator to have a high risk of default. Email, notification apps, SMS or other electronic means can be used for payment reminders before and after the due date. If the debtor does not respond to warnings and phone calls properly, this is the time for debt collector Cairin to come to the house to collect. Used when billing communications via telephone and other communication media (such as email and messaging) are ineffective or when a Field Collector visit is deemed necessary. Loan companies are allowed to cooperate with 3rd parties in the context of work efficiency and effectiveness. The 3rd party must comply with a number of provisions and code of ethics from the Association and OJK Regulations. However, keep in mind that Cairin is a fintech lending that has been registered and supervised by the OJK, so it is very likely that the collection process carried out through a direct visit is in accordance with the regulations made by the OJK regarding billing in cases of default. Can Cairin do billing to friends, relatives, family or coworkers? In theory it can be because POJK does not prohibit it. However, Cairin will collect the bill by contacting family, friends, or other parties related to the borrower whose phone number is listed as an emergency number. So, only those listed in emergency contacts. In addition to billing, P2P Lending companies have an obligation to report customers who are in arrears to the OJK SID or formerly known as BI Checking.
The implication is that customers who are in arrears in Cairin will have a bad credit record, which will hinder them from borrowing from banks or other financial institutions. Keep in mind that credit records are an important factor in loan approval decisions at financial institutions. Now, reporting is not only to the OJK SID, but also to the Fintech DataCenter fronted by the AFPI Association. This Fintech database contains reports from legal online loans, such as Cairin, regarding blacklisted customers, who have defaulted on Fintech. Data in the Fintech Database is updated faster, can be daily or even real-time, compared to the OJK SID update which is carried out once a month. The way the Fintech Database works is more effective in identifying blacklisted customers at Pinjol who generally have a loan tenor of less than 30 days. Generally, fintech emphasizes the billing process by telephone at the collection desk. However, if the customer has lost contact or has skipped, then the field visit process with field collection to the home or office is carried out. A 3rd party, agency collection or known as a DC debt collector can be used, at the field collection stage. The use of agencies is carried out as part of the operational efficiency of fintech. So, if the debtor takes an online loan, he must be ready to be visited by debt collectors to his home or office, when credit payments are in arrears.
Especially if the payment is more than 30 days late. Even though the collection is handed over to a third party, loan companies, such as Cairin, still have responsibility for the collection process. In essence, loan fintech companies must supervise third parties in the collection process. Can't get out of hand. The loan company that appoints a third party collection service provider company is obliged to inform the borrower that the collection has been submitted to PPJ (Service Provider Company). The company is required to prepare loan collection ethics (referring to the AFPI billing code of ethics) which must be stated in the outsourcing agreement with the 3rd party. Also ensure that loan collection by PPJ is carried out in a way that does not violate the law and is in accordance with the code of ethics. The company must also ensure that collection personnel have received training and certification related to billing duties and billing ethics according to the provisions. The identity of each billing person is also well managed.
Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.
Do not position the lever in reverse or R, these positions are used to reverse.
If it's your first time driving an automatic car, you may be a little confused about how to drive it. Especially if you are used to using a manual car, which has a different way of operating the gear from the automatic one. This is because you don't have to adjust the clutch or shift gear because it's done automatically. You just need to stop and go without shifting gears or playing the clutch. But if you are not used to having to be careful, you might get confused between the brake pedal and the pedal or the wrong way to use the automatic car gear. Not infrequently heard of accidents because they are not familiar with how to shift gears automatic cars that are not familiar. Therefore you must know some important things in how to drive an automatic car below. As a beginner you need to be careful so that the lever is always in the correct position. First before starting the engine, the lever position must be in the P position or in the N position. Do not position the lever in reverse or R, these positions are used to reverse. If the lever is in the R position, the car will not start when it is started.
When you enter the key, do not immediately start the engine. You should wait for the needle to spin until the indicator is active or lit which indicates the electricity is ready. Some types of automatic cars provide an indicator in the form of sound when the car is really ready to be started. When first starting, it is recommended to step on and hold the brake pedal for safety reasons because you are afraid that the car will suddenly accelerate forward. Some automatic cars have an automatic procedure that keeps the engine running if you don't press the brake pedal, although some don't. When the engine is on and you want to start moving, the first step that needs to be done is to change the gear position of your automatic car which was originally in position P or N, to position R to go backwards or D to go forward. It is important to depress the brake pedal at the same time as moving the lever in gear. This method can prevent damage to the machine. The transmission lever aka gear or automatic car gear is an important component that affects the speed of the car.