{"kode_ajuan":"ML-2026-00001","debitur":{"nama":"Slamet Riyadi","nik":null,"pabrik_gula":"PG Tjoekir","komoditas":"Tebu"},"lahan":{"luas_dilaporkan_ha":7,"luas_terukur_ha":7.295082903753543,"petak":[{"label":"Petak 1","luas_ha":7.295082903753543,"ring":[[112.3205,-7.6668],[112.3232,-7.6668],[112.3232,-7.6646],[112.3205,-7.6646]]}]},"citra":{"pengamatan":65,"terakhir":"2026-08-10","scenes":["S2B_49MFM_20260706_0_L2A","S2C_49MFM_20260711_0_L2A","S2A_49MFM_20260713_1_L2A","S2B_49MFM_20260716_0_L2A","S2C_49MFM_20260721_0_L2A","S2B_49MFM_20260726_0_L2A","S2C_49MFM_20260731_1_L2A","S2A_49MFM_20260802_1_L2A","S2B_49MFM_20260805_0_L2A","S2C_49MFM_20260810_0_L2A"],"sumber":"Sentinel-2 L2A via Earth Search STAC"},"dokumen":{"kelengkapan":0.5,"belum_ada":["ktp"],"berkas":[{"jenis":"rekap_giling","nama":"rekap.png","bytes":50229,"sha256":"64ea13154cb24048a1ef4e408314977f735936560f0987515197d78b4c99ac7b","berkas_disimpan":false,"diunggah":"2026-08-11T03:38:08.829Z","field":[{"field":"luas_ha","nilai":"9,40 Ha","keyakinan":0.96,"kutipan":"Luas Areal Tergiling : 9,40 Ha","sumber":"claude-opus-5","dikonfirmasi_oleh":null,"keputusan":null},{"field":"musim","nilai":"Musim Giling 2025/2026","keyakinan":0.96,"kutipan":"Musim Giling 2025/2026","sumber":"claude-opus-5","dikonfirmasi_oleh":null,"keputusan":null},{"field":"nama_petani","nilai":"Slamet Riyadi","keyakinan":0.98,"kutipan":"Nama Petani : Slamet Riyadi","sumber":"claude-opus-5","dikonfirmasi_oleh":"petugas","keputusan":"dokumen"},{"field":"nomor_kontrak","nilai":"TRK-2025-0417","keyakinan":0.97,"kutipan":"Nomor Kontrak : TRK-2025-0417","sumber":"claude-opus-5","dikonfirmasi_oleh":null,"keputusan":null},{"field":"pabrik_gula","nilai":"PG DJOMBANG BARU","keyakinan":0.97,"kutipan":"PG DJOMBANG BARU","sumber":"claude-opus-5","dikonfirmasi_oleh":null,"keputusan":null},{"field":"rendemen_persen","nilai":"7,86 %","keyakinan":0.96,"kutipan":"Rendemen Rata-rata : 7,86 %","sumber":"claude-opus-5","dikonfirmasi_oleh":null,"keputusan":null},{"field":"tanggal","nilai":"14 Juni 2026","keyakinan":0.95,"kutipan":"Tanggal Cetak : 14 Juni 2026","sumber":"claude-opus-5","dikonfirmasi_oleh":null,"keputusan":null},{"field":"tonase","nilai":"781,20 ton","keyakinan":0.96,"kutipan":"Total Tonase Tebu : 781,20 ton","sumber":"claude-opus-5","dikonfirmasi_oleh":null,"keputusan":null}]}],"konflik":[{"field":"pabrik_gula","dokumen":"PG DJOMBANG BARU","tercatat":"PG Tjoekir","material":true,"keputusan":null},{"field":"luas_ha","dokumen":"9,40 Ha","tercatat":"7","material":true,"keputusan":null}]},"penilaian":{"assessment":{"indices":[{"key":"FPI","nama":"Indeks Produktivitas Lahan","skor":2.37,"kelas":"Sedang","bobot":0.4,"nilai":0.95,"dasar":["Puncak NDVI rata-rata 0,74 dari 1 musim terakhir","Hasil historis rata-rata 85,3 ton/ha terhadap benchmark 78 ton/ha"]},{"key":"FRI","nama":"Indeks Ketahanan Lahan","skor":2.39,"kelas":"Sedang","bobot":0.4,"nilai":0.96,"dasar":["Pemulihan NDVI rata-rata 57% dalam 8 minggu setelah 3 peristiwa cekaman","Akses irigasi tersedia, drainase memadai"]},{"key":"CRI","nama":"Indeks Risiko Iklim","skor":2.64,"kelas":"Rendah","bobot":0.2,"nilai":0.53,"dasar":["Variabilitas curah hujan (CV) 19% selama 4 tahun","4 bulan defisit air dan 2 hari cekaman panas dalam 12 bulan terakhir"]}],"total":2.44,"layak":true,"keterangan":"Total nilai 2,44 berada pada rentang Layak (2,00–3,00). Faktor pembatas utama adalah Indeks Produktivitas Lahan pada skor 2,37."},"kebijakan":{"status":"KUNING","reasons":[{"code":"DOC-01","severity":"KUNING","judul":"Kelengkapan dokumen 0%","detail":"Belum lengkap: ktp, rekap_giling.","tindakan":"Tugas pengumpulan bukti dikirim ke petugas lapangan."},{"code":"MDL-01","severity":"KUNING","judul":"Confidence model 60% di bawah ambang","detail":"Ambang otomatisasi 75%. Kasus tidak boleh lolos tanpa tinjauan manusia.","tindakan":"Rutekan ke antrean tinjauan agronom."}],"confidence":0.6},"engine_version":"agricredit-engine 0.2.0"},"keuangan":{"asumsi":{"luasHa":7.295082903753543,"yieldTonPerHa":88,"rendemenPct":7.8,"bagiHasilPetaniPct":66,"hargaGulaPerKg":15000,"tetesKgPerTonTebu":25,"hargaTetesPerKg":1500,"tebangAngkutPerTon":190000,"bungaPctPerTahun":6,"plafonPctDariRab":70,"tenorBulan":13,"graceBulan":11},"hasil":{"rab":{"lines":[{"key":"sewa","label":"Sewa lahan","perHa":12000000,"schedule":[{"month":1,"share":1}],"catatan":"Dibayar di muka satu musim tanam.","total":87540994.84504251},{"key":"olahTanah","label":"Olah tanah (bajak, kair)","perHa":4500000,"schedule":[{"month":1,"share":1}],"total":32827873.066890944},{"key":"bibit","label":"Bibit (bagal/budchip)","perHa":5600000,"schedule":[{"month":1,"share":1}],"catatan":"± 8 ton bibit per hektare.","total":40852464.26101984},{"key":"tanam","label":"Tenaga kerja tanam","perHa":2200000,"schedule":[{"month":1,"share":0.7},{"month":2,"share":0.3}],"total":16049182.388257794},{"key":"pupuk","label":"Pupuk (ZA, Phonska, urea)","perHa":6800000,"schedule":[{"month":2,"share":0.6},{"month":4,"share":0.4}],"catatan":"Pemupukan I bulan ke-2, pemupukan II bulan ke-4.","total":49606563.74552409},{"key":"pemeliharaan","label":"Pemeliharaan (klentek, gulud, pengairan)","perHa":3500000,"schedule":[{"month":2,"share":0.3},{"month":4,"share":0.3},{"month":6,"share":0.2},{"month":8,"share":0.2}],"total":25532790.1631374},{"key":"opt","label":"Pengendalian gulma & OPT","perHa":1200000,"schedule":[{"month":3,"share":0.5},{"month":6,"share":0.5}],"total":8754099.48450425},{"key":"contingency","label":"Contingency (5%)","perHa":1790000,"schedule":[{"month":1,"share":0.4},{"month":4,"share":0.3},{"month":8,"share":0.3}],"total":13058198.397718841},{"key":"tebangAngkut","label":"Tebang, muat, angkut","perHa":16720000,"schedule":[{"month":12,"share":0.6},{"month":13,"share":0.4}],"dibayarSaatPanen":true,"total":121973786.15075924,"catatan":"Dipotong dari hasil giling, tidak dibiayai di muka."}],"preHarvestTotal":274222166.35209566,"harvestTotal":121973786.15075924,"grandTotal":396195952.5028549,"perHaPreHarvest":37590000},"pendapatan":{"tebuTon":641.9672955303117,"gulaTon":50.073449051364314,"gulaPetaniKg":33048.47637390045,"pendapatanGula":495727145.60850674,"tetesKg":16049.182388257794,"pendapatanTetes":24073773.58238669,"pendapatanKotor":519800919.1908934,"biayaPanen":121973786.15075924,"pendapatanBersih":397827133.0401342,"perHaBersih":54533600},"pinjaman":{"plafon":190000000,"tenorBulan":13,"graceBulan":11,"bungaPctPerTahun":6,"tranches":[{"month":1,"label":"Tahap I — sewa, olah tanah, bibit, tanam","amount":104500000},{"month":2,"label":"Tahap II — pemupukan I","amount":47500000},{"month":4,"label":"Tahap III — pemupukan II & pemeliharaan","amount":38000000}],"angsuran":[{"month":12,"pokok":114000000,"bunga":6925500,"total":120925500},{"month":13,"pokok":76000000,"bunga":4617000,"total":80617000}],"totalBunga":11542500,"totalKewajiban":201542500},"arusKas":[{"month":1,"label":"Bln 1","pencairan":104500000,"ekuitas":73179039.2038213,"biaya":177679039.2038213,"penerimaan":0,"angsuran":0,"netto":0,"saldo":0,"outstanding":105022500},{"month":2,"label":"Bln 2","pencairan":47500000,"ekuitas":0,"biaya":42238530.01273301,"penerimaan":0,"angsuran":0,"netto":5261469.987266988,"saldo":5261469.987266988,"outstanding":153285112.5},{"month":3,"label":"Bln 3","pencairan":0,"ekuitas":0,"biaya":4377049.742252125,"penerimaan":0,"angsuran":0,"netto":-4377049.742252125,"saldo":884420.2450148622,"outstanding":154051538.0625},{"month":4,"label":"Bln 4","pencairan":38000000,"ekuitas":0,"biaya":31419922.06646651,"penerimaan":0,"angsuran":0,"netto":6580077.93353349,"saldo":7464498.178548352,"outstanding":193011795.7528125},{"month":5,"label":"Bln 5","pencairan":0,"ekuitas":0,"biaya":0,"penerimaan":0,"angsuran":0,"netto":0,"saldo":7464498.178548352,"outstanding":193976854.73157656},{"month":6,"label":"Bln 6","pencairan":0,"ekuitas":2019109.5963312527,"biaya":9483607.774879605,"penerimaan":0,"angsuran":0,"netto":-7464498.178548352,"saldo":0,"outstanding":194946739.00523445},{"month":7,"label":"Bln 7","pencairan":0,"ekuitas":0,"biaya":0,"penerimaan":0,"angsuran":0,"netto":0,"saldo":0,"outstanding":195921472.7002606},{"month":8,"label":"Bln 8","pencairan":0,"ekuitas":9024017.551943108,"biaya":9024017.551943133,"penerimaan":0,"angsuran":0,"netto":-2.421438694000244e-8,"saldo":-2.421438694000244e-8,"outstanding":196901080.06376192},{"month":9,"label":"Bln 9","pencairan":0,"ekuitas":0,"biaya":0,"penerimaan":0,"angsuran":0,"netto":0,"saldo":-2.421438694000244e-8,"outstanding":197885585.46408072},{"month":10,"label":"Bln 10","pencairan":0,"ekuitas":0,"biaya":0,"penerimaan":0,"angsuran":0,"netto":0,"saldo":-2.421438694000244e-8,"outstanding":198875013.3914011},{"month":11,"label":"Bln 11","pencairan":0,"ekuitas":0,"biaya":0,"penerimaan":0,"angsuran":0,"netto":0,"saldo":-2.421438694000244e-8,"outstanding":199869388.4583581},{"month":12,"label":"Bln 12","pencairan":0,"ekuitas":0,"biaya":73184271.69045554,"penerimaan":311880551.514536,"angsuran":120925500,"netto":117770779.82408047,"saldo":117770779.82408044,"outstanding":79943235.4006499},{"month":13,"label":"Bln 13","pencairan":0,"ekuitas":0,"biaya":48789514.460303694,"penerimaan":207920367.6763574,"angsuran":80617000,"netto":78513853.2160537,"saldo":196284633.04013413,"outstanding":0}],"kemampuanBayar":{"arusKasBersih":397827133.0401342,"totalKewajiban":201542500,"dscr":1.973911869904036,"surplus":196284633.0401342,"saldoTerendah":0,"breakEvenYield":44.5815243029458,"breakEvenHarga":9060.70552786067}}},"memo":{"narrative":"Achmad Khoiruddin mengajukan pembiayaan untuk budidaya tebu di atas lahan seluas 7,295 ha dengan tujuan penjualan ke PG Tjoekir. Penilaian gabungan menghasilkan nilai 2,44 dengan klasifikasi Layak, terdiri atas FPI skor 2,37 kelas Sedang dengan nilai 0,95, FRI skor 2,39 kelas Sedang dengan nilai 0,96, dan CRI skor 2,64 kelas Rendah dengan nilai 0,53. Dasar agronomi menunjukkan puncak vegetatif yang memadai pada musim terakhir yang terpantau, capaian hasil historis rata-rata yang berada di atas benchmark wilayah, serta ketersediaan akses irigasi dengan drainase yang memadai. Pemantauan citra satelit mencatat 65 lintasan bersih selama 725 hari dengan tutupan rata-rata 99% dan pengamatan terakhir pada 2026-08-10, sehingga kontinuitas rekaman lahan tergolong baik.\n\nStruktur pembiayaan yang diusulkan adalah plafon Rp 190.000.000 dengan tenor 13 bulan dan grace period 11 bulan, menyesuaikan siklus tanam hingga panen tebu. Pencairan dirancang bertahap, yaitu Rp 104.500.000 pada bulan 1, Rp 47.500.000 pada bulan 2, dan Rp 38.000.000 pada bulan 4, mengikuti kebutuhan RAB pra-panen sebesar Rp 274.222.166. Proyeksi pendapatan bersih tercatat Rp 397.827.133 terhadap total kewajiban Rp 201.542.500, menghasilkan DSCR 1,97. Titik impas berada pada hasil 44,6 ton/ha dan harga Rp 9.061 per kg.\n\nRisiko utama bersumber dari paparan iklim. Dalam periode pengamatan terakhir tercatat adanya bulan-bulan defisit air dan hari dengan cekaman panas, sementara pemulihan indeks vegetasi setelah peristiwa cekaman hanya berlangsung sebagian dalam rentang beberapa minggu. Variabilitas curah hujan antar-tahun tergolong moderat. Ketersediaan irigasi menjadi faktor mitigasi, namun ketergantungan pada keandalan pasokan air perlu diverifikasi lebih lanjut, termasuk kepastian jadwal tebang-angkut dari PG Tjoekir yang berpengaruh langsung pada rendemen dan realisasi harga.\n\nKeterbatasan bukti perlu digarisbawahi. Status kebijakan berada pada KUNING dengan confidence 60%. Reason code DOC-01 menunjukkan kelengkapan dokumen 0%, sehingga verifikasi legalitas lahan, riwayat penjualan ke pabrik, dan bukti kepemilikan atau penguasaan lahan belum dapat dilakukan. Reason code MDL-01 menunjukkan confidence model 60% berada di bawah ambang, sehingga keluaran skoring sebaiknya diperlakukan sebagai indikatif. Selain itu, rekaman musim pengamatan agronomi masih terbatas, sehingga stabilitas hasil antar-musim belum dapat dinilai secara meyakinkan. Analis disarankan melengkapi dokumen dan verifikasi lapangan sebelum keputusan diambil; keputusan kredit sepenuhnya berada pada lender.","source":"model","guard_ok":true},"audit":{"entri":10,"rantai":{"ok":true}}}