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PROTOTYPE — MOCK DATAFigures are generated fixtures derived from the registry. Not ACF actuals.
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INTERNAL PROCESS · KRI · LEADING

Direct Disbursement Ratio (DDR)CG-01REGULATORY

67.4%✕ Off target◇MANUALCorporate Governance — DDR daily
MEASUREMENT BASIS — UNCONFIRMED (A-04 · DEC-11)

Balance basis — outstanding ÷ outstanding. Ikigai's reading of Circular 43 Art. 8a(4). ALERTING IS BOUND TO THIS. Awaiting ACF confirmation.

Compare both bases on the compliance panel →
OPEN ALERTS ON THIS METRIC
OPEN — 1
REGULATORYDirect Disbursement Ratio (DDR)CG-01open 31h

Value 66.7 against threshold 30. DDR above the 30% cap under Circular 43 Art. 8a(4). SBV administrative-violation record taken.

Notified: Head of Corporate Governance · Corporate Governance · CEO

THRESHOLD BANDS — Circular 43 Art. 8a(4)
DEFINITION
Formula
direct-disbursement outstanding ÷ total consumer outstanding
Unit / direction
pct · lower better
Source system
Payment GW / T24
Refresh
daily_t1
Target
hard 30% — Circular 43 Art. 8a(4); warn at 27%
Target status
From an ACF document
Baseline in context/
66.7% (PQR) vs 30% cap
OWNERSHIP — two roles, two people (R-G-02)
Metric owner — owns the target and the result
Head of Corporate Governance
Data owner — owns the source system and pipeline
IT System Planning

Both proposed by Ikigai and awaiting ACF confirmation (DEC-02).

LINEAGE — SOURCE FIELD TO TILE (D-13)

The question an auditor asks is not “what is the number” but “where did it come from, and who could have changed it on the way”. Nodes outlined in red are blocked — the chain is only as strong as the link nobody can yet evidence, and hiding that would defeat the point of showing lineage at all.

COMMENTARY — why the number is what it is
  1. Head of Corporate Governanceperiod 2026-09 · 22 Sep 2026

    Breach sustained. Remediation is the 20M VND cash-loan cap; expect DDR to fall from Q4. Cash loan now at 42% of volume budget but 92% of revenue budget.

  2. IT System Planningperiod 2026-08 · 24 Aug 2026

    Figure keyed from the Payment GW extract by hand. Denominator basis still unconfirmed (DEC-11) — the flow-basis variant CG-01B is published alongside so the gap is visible rather than averaged away.

Commentary is attached to the metric and period, not to a slide. It survives the month — which is what makes a variance reviewable at the next meeting instead of re-argued. Prototype — read-only fixtures; at fullstack this is the COMMENT table with author identity from AD.