Two portraits of one dataset.
Two real credit research reports — SME and consumer non-performing loans, built from the regulator's own numbers — rendered as two completely different websites. Same figures, opposite visual languages: one is a city at night, the other a printed report. Designed and coded end-to-end, autonomously, by Claude Fable 5.
Same numbers, every time.
The dataset behind both: OJK's Statistik Perbankan Indonesia for history to June 2025 — its final edition — plus a direct pull of the regulator's Portal Data Sektor Jasa Keuangan Terintegrasi (May 2026), reconstructed and validated against published aggregates to the rounding digit, in two research reports written on the PKA desk.
Both sites hold the same discipline: no stock images, no chart libraries, no templates, no build step — every mark generated from the data arrays in the page source. Each carries its own /guide explaining exactly how it was made.
- 4.95% of SME (small+medium) credit non-performing, May 2026 — an actual, not an estimate
- 6.55% Jawa Barat: worst large SME book, still deteriorating, medium segment 8.61%
- 3.37% mortgage NPL nationally; Jabar the worst large mortgage book at 4.12%
- 1.83% Bali — proof a big SME book can be kept clean