CV Puspa Raya, which is engaged in the collection and processing of used cardboard and cardboard, is a supplier to the PT Indah Kiat paper factory. In order to meet working capital needs due to the increasing demand for used cartons and cardboard by PT Indah Kiat, CV Puspa Raya submitted a loan application to the bank for Rp. 1,450,000,000, - by providing the following data and information: Deed of Establishment of CV Puspa Raya and photocopy of KTP of each partner / manager Guild Order: Active Allies: Hartono (43 years old) and Tarmuji (41 years old), have experienced this business since 1996. Passive Allies: Citrosaswoyo (age 45) All Allies (Active & Passive) have families Existing SIUP and TDP Business location on Jl Penggilingan Baru III Blok B No.1 Rt.010 / 004, Dukuh Village, Kramatjati District, East Jakarta Before being sent to a paper processing factory, cardboard or used paper is pressed with a press machine that is owned by a prospective debtor in a warehouse so that it does not cause pollution in the business environment. Main buyers: PT Indah Kiat Pulp & Paper Corp., PT Fajar Surya Wisesa and PT Pindo Deli Pulp & Paper Mills The workforce is mostly local residents so that this business absorbs a lot of local residents as labor. Cost of Good Sold (CGS) 88% and Profit Margin 12% Sales plan / month IDR 1,198,000,000, - Accounts receivable turnover 40 days 50 days of inventory turnover For credit security, CV Puspa Raya is willing to submit collateral for a 2,000 m2 SHM-certified plot of land in Hartono's name with an estimated value of IDR 1,000,000 per m2 You as an Account Officer at the bank, A. Calculate the amount of the applicant's working capital requirements, if the applicant's Bank Indonesia debtor information system (ID BI) has been enjoying facilities from other banks worth IDR 750,000,000 and 30% of the credit applicant's own financing. b. How do you recommend the credit application, by submitting the collateral for the freehold land certificate in Hartono's name, a mortgage right of Rp. 1,600,000,000 is imposed