After clustering all the data, it was found that there are 2,034 potential debtors with non-performing loans over Rp 1 million. Meanwhile, 622 potential debtors have non-performing loans below Rp 1 million. However, Heru stated that many developers and banks are hopeful about potential debtors with non-performing loans below Rp 1 million. They want these individuals to first settle their debts by paying off their outstanding amounts. ‘If it’s Rp 500,000, Rp 600,000, pay it off first. And the bank is the same, once it’s settled, they will process it,’ he concluded.
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