Permintaan Proses Analisa dan Rekomendasi KOCEK

Method: POST
URL: {{baseUrl}}/kocek/cde/credit-recommendation

Description

Mengirimkan data nasabah dan pengajuan pinjaman untuk mendapatkan analisis kredit dan rekomendasi dari sistem KOCEK. Data yang dikirim mencakup profil nasabah, penghasilan, pengeluaran, agunan, dan detail pinjaman. Selain itu, client juga dapat menyertakan internal_data — ringkasan data pinjaman nasabah yang tercatat di sistem internal client — sebagai bahan tambahan analisis.

KOCEK memberikan fleksibilitas kepada client: jika internal_data disertakan, sistem akan mempertimbangkannya dalam analisis rekomendasi. Jika tidak, analisis tetap berjalan berdasarkan data character, income, expenses, collaterals, dan application yang dikirimkan.

tip

Untuk penjelasan detail setiap field di request body, baca di Object Data - Request Credit Recommendation.

Request Headers

Key	Value	Deskripsi
Content-Type	application/json	-
Authentication	Bearer ACCESS_TOKEN	Akses token yang digenerate saat login

Request Body

{
  "customer_id": "ac06b74c-6864-407a-802e-f12ee1d8ce40",
  "loan_id": "21bef131-7ef0-405f-bb80-bcc2a53b34ef",
  "character": {
    "name": "fulan",
    "nik": "12121212121212",
    "kyc_status": false,
    "age": 40,
    "birth": "Denpasar, 10 April 1984",
    "gender": "l",
    "member_date": "2020-08-01",
    "occupation": "Pedagang"
  },
  "income": [
    {
      "key": "penghasilan_1",
      "value": "100000-200000"
    },
    {
      "key": "penghasilan_2",
      "value": "200000-300000"
    }
  ],
  "expenses": [
    {
      "key": "pengeluaran_1",
      "value": "100000-200000"
    },
    {
      "key": "pengeluaran_2",
      "value": "200000-300000"
    }
  ],
  "collaterals": [
    {
      "name": "Avanza",
      "type": "Mobil",
      "code": "MBL",
      "value": 10000000,
      "estimated_price": "10000000-20000000",
      "recognition": 50,
      "recognition_value": 500000,
      "is_verified": false,
      "information": "Mobil bekas pakai 3 tahun"
    },
    {
      "name": "Sertifikat Tanah",
      "type": "Sertifikat Tanah",
      "code": "LAND",
      "value": 10000000000,
      "estimated_price": "10000000000-20000000000",
      "recognition": 50,
      "recognition_value": 5000000000,
      "is_tax_paid": true,
      "information": "Tanah warisan"
    }
  ],
  "application": {
    "plafon": 10000000,
    "tenure": 12,
    "purpose": "Konsumtif",
    "interest": 12,
    "loan_interest_method": 3,
    "loan_interest_method_label": "Bunga Anuitas"
  },
  "internal_data": {
    "total_loan": "31",
    "total_loan_active": "18",
    "loan_remaining": "138402100.00",
    "collectability": "Diragukan",
    "behaviour_pattern_deposit_per_month": "8,3",
    "behaviour_pattern_withdrawal_per_month": "17,8",
    "behaviour_pattern_withdrawal_ratio": "174,48%",
    "behaviour_pattern_avg_balance": "21243239.67",
    "behaviour_pattern_avg_growth_balance": null,
    "total_saving": "7",
    "total_saving_active": "6",
    "total_balance_active": "4150000.00",
    "total_deposit": "2",
    "total_deposit_balance": "20000000.00",
    "total_deposit_active": "2",
    "total_deposit_active_balance": "20000000.00"
  }
}

Responses

200 - Success

Status: 200

{
    "data": {
        "id": "a808943e-68c8-4d57-a2d7-e41fbde4ab60"
    },
    "message": "Berhasil mendapatkan rekomendasi kredit",
    "status": "success"
}

401 - Unauthorized

Status: 401

{
    "status": false,
    "message": "Unauthorized",
    "data": null
}

403 - Layanan Tidak Aktif

Status: 403

{
    "error": "Layanan pengecekan rekomendasi pinjaman sedang tidak tersedia",
    "message": "Layanan pengecekan rekomendasi pinjaman sedang tidak tersedia",
    "status": "fail"
}