KAWAN Agents & Dealers - A financing application from WOM Finance that can make it easier for Agents & Dealers to access WOM Finance services ANYWHERE AND ANYTIME. The KAWAN application is owned and managed by PT Wahana Ottomitra Multiartha Tbk (“WOM Finance”) which is licensed and supervised by the Financial Services Authority (OJK).

APP FEATURES

1. Financing Simulation
2. Application Tracking
3. Personal Profile
4. Latest Promotions
5. Submission of Financing

PRODUCTS AND SERVICES

1. Motorku: Multipurpose financing with BPKB Motor guarantee
Term 11 - 36 months
Minimum loan IDR 2,000,000
The maximum interest rate (APR) is 28% per annum
Administration fee IDR 625,000 - IDR 1,325,000
Vehicle Insurance 0.67% - 1.80%

Calculation Example:
For a loan of IDR 3,000,000 with a period of 12 months, the following fees are charged:
a. Admin fee: IDR 775,000
b. Vehicle Insurance: IDR 10,000,000 * 1.80% = IDR 180,000
c. Life Insurance: IDR 50,000
d. Monthly Interest Rate: 24.79%/12 = 2.03%
e. Total Refund: IDR 3,000,000 + IDR 775,000 + IDR 180,000 + IDR 50,000 = IDR 4,005,000
f. Monthly Payment Amount: IDR 4,005,000/12 +IDR 4,005,000*2.03% = IDR 417,000

2. MobilKu: Multipurpose financing guaranteed by BPKB Mobil
Term 3 - 48 months
Loan limit of IDR 20,000,000 - BMPP (Maximum Loan Limit)
The maximum interest rate (APR) is 21.04% per year
Administration fee IDR 1,700,000 - IDR 3,000,000
Vehicle Insurance : 0.20% - 3.83%
Provision Fee 2% - 5.75%

Calculation Example:
For a vehicle price of Rp. 100,000,000, with a loan of Rp. 20,000,000 with a period of 12 months, the fees charged are as follows:
a. Monthly interest rate: 13.47%/12 = 1.12%
b. Administration fee service: IDR 1,700,000
c. Provision fee: IDR 20,000,000*3%= IDR 692,000
d. Vehicle Insurance Premium Fee: IDR 650,000 (TLO)
e. Total Refund: IDR 20,000,000 + IDR 1,700,000 + IDR 692,000 + IDR 650,000 = IDR 23,042,000
f. Monthly Payment Amount: Rp 23,042,000/12+Rp 23,042,000*1.12% = Rp 2,180,000

3. New Motorcycles: Financing new motorbikes with an easy and fast process
Financing value: IDR 5,000,000 - IDR 2,000,000,000
Flat interest rate per year: 24% - 43%
Timeframe: 12 - 36 months
Administration and provision fees: IDR 475,000 - IDR 625.00

Calculation Example:
For financing applications for Honda New Beat Sporty motorbikes with OTR 19,060,000, DP 2,400,000, PH 19,060,000-2,400,000 = 16,660,000 for a period of 12 months, the fees charged are as follows:
a. Monthly interest rate：32%/12=2.67%
b. Monthly interest：Rp 16,660,000*2.67%=Rp 444,822
c. Monthly service fee：Rp 610,000*2.67%=Rp 50,833
d. Monthly payment amount：Rp.16,660,000/12 + Rp.16,660,000*2.67%+Rp.610,000/12 = Rp.1,883,988
e. Total interest: IDR 16,660,000*32%/12* 12 = IDR 5,331,200
f. Total service fee：Rp 610,000
g. Total refund fee: IDR 16,660,000+ IDR 16,660,000*32%/12*12+ IDR 610,000= IDR 22,601,200

PERSONAL DATA OBTAINED:

1. KTP data
2. Phone No
3. Income Data
4. Data of Relatives
5. E-mail
6. Device Information

COLLECTION AND USE OF PERSONAL DATA:

WOM Finance can only use User's Personal Data for purposes that have been determined and that the User allows, or that is permitted by applicable law. Without the User's permission and/or according to applicable laws, WOM Finance will not sell, and/or share User's Personal Data with other third parties. WOM Finance will store User Personal Data only as long as necessary or as required or permitted by applicable laws.

PROTECTION OF PERSONAL DATA:

WOM Finance will protect the Personal Data that has been received by carrying out the procedure steps and security provisions that are determined according to the applicable regulations. These steps will be regularly reviewed to ensure that the procedures and security are effective and running well.

CUSTOMER SERVICE

1. Hotline Service: 1500999
2. Telephone: 021 - 2188 2400
3. WhatsApp: 0811-1951-1888
4. Email: [email protected]