🚨 SISTEM RED FLAG & EARLY WARNING PROYEK

Panduan Deteksi Dini & Decision Making untuk Mencegah Kegagalan Proyek

Version: 1.0
Tanggal: 27 Januari 2026
Tujuan: Memberikan framework untuk mendeteksi potensi masalah sejak dini dan mengambil keputusan tepat
Basis Data: Analisis 37 proyek 2025 (23 sukses, 7 fair, 4 bermasalah, 3 disaster)
Impact: Mencegah kerugian Rp 74+ juta seperti 3 proyek disaster 2025

📑 DAFTAR ISI

1. Executive Summary
2. Red Flag System - Pre-Project Phase
3. Early Warning System - Execution Phase
4. Decision Matrix Framework
5. Action Protocol per Warning Level
6. Case Study Disaster & Lessons Learned
7. Checklist & Tools
8. Escalation & Authority Matrix

1. EXECUTIVE SUMMARY

1.1 Mengapa Sistem Ini Penting?

[!NOTE] FAKTA DARI DATA 2025 (37 PROYEK) | Metric | Nilai | Detail | |--------|-------|--------| | ✅ SUCCESS RATE | 62,2% | 23 proyek margin >50% | | ⚠️ FAIR | 18,9% | 7 proyek margin 20-50% | | 🔴 BERMASALAH | 10,8% | 4 proyek margin <20% | | 💀 DISASTER | 8,1% | 3 proyek rugi |

TOTAL KERUGIAN 3 DISASTER: Rp 74.307.950

Proyek	Kerugian	Margin
Bu Raras Cimanggis	-Rp 36.337.700	-457%
Pak Dani	-Rp 23.247.000	-61%
Bu Yasmin Bojong	-Rp 14.723.250	-100%

DAMPAK KE PROFITABILITAS: - Kerugian 3 proyek = 2,1% dari total profit Rp 3,5M - Setiap disaster konsumsi 1-2 bulan margin netto - Kerugian bukan hanya uang, tapi juga waktu & reputasi

GOOD NEWS: - 🎯 Dari 22 proyek dengan RAB lengkap: Success rate 95,5% (21/22 profitable) - Average margin 64%

KESIMPULAN: - 👉 Proyek DENGAN PLANNING BAIK = 95,5% sukses - 👉 Proyek TANPA PLANNING/ASAL TERIMA = risiko disaster - 👉 PREVENTION jauh lebih murah daripada CORRECTION

1.2 Framework 3 Lapis Pertahanan

2. RED FLAG PRE-PROJECT PHASE

Tujuan: Screening proyek SEBELUM deal closed untuk identifikasi risiko tinggi

2.1 Red Flag Checklist - Integrated dengan Cluster Brackets

A. CLIENT ASSESSMENT (Potensi masalah pembayaran & scope creep)

Cara Pakai: Ceklis setiap indikator, hitung berapa 🟢🟡🔴. Simple!

Cara Hitung: - Hitung total points: Jumlah 🟢 × 0 + 🟡 × 1 + 🔴 × 2 - Max score: 20 (semua red), Min score: 0 (semua green)

Interpretasi Client Score:

B. TECHNICAL ASSESSMENT (Potensi cost overrun & timeline delay)

Cara Pakai: Sama, ceklis setiap indikator. Makin banyak 🔴 = makin risky!

Cara Hitung: - Total points: Jumlah 🟢 × 0 + 🟡 × 1 + 🔴 × 2
- Max: 20 points (disaster!), Min: 0 points (perfect!)

Interpretasi Technical Score:

2.2 Combined Risk Matrix - Simple & Clear

Cara Pakai: Gabungkan Client Score + Technical Score, lihat di tabel.

DECISION MATRIX (Client + Technical Score)

[!NOTE] Keterangan Matrix - ✅ IDEAL/GOOD = Accept dengan senang hati - ⚠️ WATCH/CAUTIOUS = Accept tapi extra careful (premium + DP tinggi) - 🔴 RISKY/HIGH = Consider hard (Owner approval wajib, atau reject) - 🚫 DANGER/NO = REJECT (99% cases), kecuali premium extreme

PREMIUM % = Markup dari RAB standard cluster DP % = Down payment requirement

Special Cases - AUTOMATIC REJECT (Non-Negotiable):

1. ❌ Budget < Rp 25 juta (kecuali client existing loyal)
2. ❌ Client menolak DP sama sekali (minta kredit/hutang)
3. ❌ Sengketa legal aktif (tanah/bangunan/permit)
4. ❌ Timeline unrealistis (<2 bulan untuk proyek >Rp 200 juta)
5. ❌ Scope tidak jelas + client indecisive (red flag combo)
6. ❌ Harga nego >30% dari RAB (tidak profitable)
7. ❌ Bad reputation (diketahui sering bermasalah dengan kontraktor lain)

2.3 Quick Cluster Reference (Cheat Sheet)

Sebelum scoring, cek dulu proyek masuk cluster mana:

[!TIP] Insight Cluster - ⭐ SWEET SPOT = Bracket B & C (paling konsisten profit) - ⭐ BEST = Bracket D & E (margin & efficiency terbaik) - ⚠️ RISKY = Bracket A (overhead tinggi, margin tipis)

MINIMUM PROJECT SIZE: Rp 25 juta Auto-reject: <Rp 25 juta (kecuali client existing loyal)

2.4 Pre-Project Assessment Form (Template)

[!NOTE] RENOVASIA - PRE-PROJECT RISK ASSESSMENT (v2.0) INFORMASI DASAR:

Field	Value
Tanggal Assessment	__
Nama Client	__
Lokasi Proyek	__
Estimasi Nilai	Rp _____ → BRACKET: ___
Assessed by	__
Referral Source	__

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SECTION A: CLIENT ASSESSMENT

Cara: Centang salah satu (🟢/🟡/🔴) untuk tiap indikator

#	Indikator	🟢	🟡	🔴
1	Budget Range	Bracket C-E	Bracket B	Bracket A
2	DP Ready	30-40% OK	Nego 20%	Tolak/kredit
3	Payment Term	Standard	Nego dikit	Aneh-aneh
4	Decision Speed	Cepat <2w	Normal	Lambat >1m
5	Scope Clarity	Jelas	Fuzzy	Nggak jelas
6	Timeline Realistis	Sesuai	Tight	Impossible
7	Price Sensitivity	Value focus	Nego 5-10%	Tawar >20%
8	Communication	Responsif	Lambat	Ghosting
9	Track Record	Referral	Qualified	Walk-in
10	Red Flag Behavior	Nggak ada	1-2 hal	Banyak (3+)

HITUNG: 🟢 = 0 point | 🟡 = 1 point | 🔴 = 2 points

	Count	×	Point	=	Total
Total 🟢	___	×	0	=	___
Total 🟡	___	×	1	=	___
Total 🔴	___	×	2	=	___
			CLIENT SCORE (A):		___ points (max: 20)

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SECTION B: TECHNICAL ASSESSMENT

#	Indikator	🟢	🟡	🔴
11	Site Access	Mudah	Agak sulit	Sulit banget
12	Existing Condition	Bagus/baru	Renovasi	Kritis
13	Soil/Foundation	Padat	Lembek	Bermasalah
14	Legal/Permit	Aman	Bisa urus	Sengketa
15	Design Complexity	Standard	Custom	Over-design
16	Material Spec	Standard	Special	Import/langka
17	Location Distance	<10km	10-20km	>20km
18	Season/Weather	Kemarau	Peralihan	Hujan peak
19	Neighborhood	Supportif	Netral	Ribet
20	Utilities Ready	Lengkap	Perlu urus	Terbatas

HITUNG: 🟢 = 0 point | 🟡 = 1 point | 🔴 = 2 points

	Count	×	Point	=	Total
Total 🟢	___	×	0	=	___
Total 🟡	___	×	1	=	___
Total 🔴	___	×	2	=	___
			TECHNICAL SCORE (B):		___ points (max: 20)

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ASSESSMENT RESULT:

Score	Interpretasi
Client Score (A)	___ pts → 🟢 0-4 🟡 5-9 🟠 10-14 🔴 15-20
Technical Score (B)	___ pts → 🟢 0-4 🟡 5-9 🟠 10-14 🔴 15-20

COMBINED RISK LEVEL: Client ___ + Technical ___ = __

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DECISION RECOMMENDATION:

• [ ] ✅ ACCEPT - Standard Terms

  • DP: 30%
  • Markup: Normal
  • Monitoring: Standard

• [ ] ⚠️ ACCEPT WITH CONDITIONS

  • DP: ___%
  • Markup: +___%
  • Contingency: ___%
  • Special Terms: _______
  • Monitoring Level: KETAT / VERY STRICT

• [ ] 🔴 REJECT / POLITELY DECLINE

  • Alasan: _____
  • Alternative:
  • [ ] Offer consultation fee only
  • [ ] Referral ke contractor lain
  • [ ] Counter-offer dengan premium pricing +___%

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NOTES & MITIGATION PLAN:

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APPROVAL:

Role	Signature	Date
Sales/Marketing	_______	_
Project Manager	_______	_
Finance	_______	_
Owner/CEO	_______	_ (for RED cases)

3. EARLY WARNING EXECUTION PHASE

Tujuan: Monitoring proyek yang sudah berjalan untuk deteksi masalah sedini mungkin

3.1 Weekly Monitoring KPI (5 Indikator Kunci)

Indikator 1: Cost Ratio Tracking (Adjusted per Cluster)

Target Cost Ratio per Cluster Bracket:

[!NOTE] COST RATIO WARNING SYSTEM | Zone | Cost Ratio | Status | Action | |------|------------|--------|--------| | 🟢 GREEN | ≤ Target Cluster | EXCELLENT, on track | Monitor normal, continue
Frequency: Weekly report
Example: Bracket C target 38%, actual 35% → GREEN ✅ | | 🟡 YELLOW | Target +10% s.d +20% | WATCH CLOSELY - early warning | Daily monitoring + identify cause
Review upcoming expenses
Cost reduction plan dibuat
Frequency: Daily tracking
Example: Bracket C, actual 45-50% → YELLOW ⚠️ | | 🟠 ORANGE | Target +20% s.d +30% | SERIOUS - margin terancam | STOP non-essential spending
Emergency meeting Owner+PM+Finance
Client notification (soft warning)
Frequency: Daily report to Owner
Output: Corrective action MANDATORY
Example: Bracket C, actual 55-60% → ORANGE 🟠 | | 🔴 RED | >Target +30% atau >65% | CRITICAL - margin hampir habis | FREEZE all spending immediately
Emergency meeting dengan Client
Options: 1) Client bayar additional 20-30%
2) Scope reduction drastis
3) Project termination (prepare)
Example: Bracket C, actual >65% → RED 🔴 | | 💀 DISASTER | >75% atau Cost > Revenue | LOSS IMMINENT | TERMINATE PROJECT immediately
No negotiation - protect company
Handover as-is + legal if needed
Decision: MANDATORY stop, no exception |

FORMULA:

Cost Ratio = (Total Biaya Actual ÷ Revenue Kontrak) × 100%

CONTOH PERHITUNGAN: Proyek: Pak Rony (Rp 604 juta)

Indikator 2: Timeline Variance

[!NOTE] TIMELINE DELAY WARNING SYSTEM | Zone | Delay | Status | Action | |------|-------|--------|--------| | 🟢 ON TRACK | 0-5% | Good progress | Continue normal
Example: Target 100 hari, actual 105 hari | | 🟡 MINOR DELAY | 6-15% | Acceptable with recovery plan | Accelerate non-critical path
Review cause of delay
Example: Target 100 hari, actual 115 hari | | 🟠 MAJOR DELAY | 16-30% | CONCERN - impacting cashflow | Emergency meeting
Client notification
Recovery plan MANDATORY
Impact: Next termin payment delayed!
Example: Target 100 hari, actual 130 hari | | 🔴 CRITICAL DELAY | >30% | SEVERE - risk project failure | Escalate to Owner
Renegotiate with client
Consider additional resources
Decision: Continue atau cut loss?
Example: Target 100 hari, actual >130 hari |

DAMPAK DELAY KE CASHFLOW:

[!WARNING] Peringatan Setiap 1 bulan delay = Overhead Rp 12-18 juta terbuang!

Indikator 3: Payment Collection Rate

[!NOTE] PAYMENT COLLECTION WARNING SYSTEM | Zone | Payment Delay | Status | Action | |------|---------------|--------|--------| | 🟢 HEALTHY | 0-7 hari | Client bayar on-time atau sedikit delay | Normal follow-up
Example: Termin due 15 Jan, paid 20 Jan | | 🟡 CONCERN | 8-14 hari | Perlu follow-up intensif | Daily reminder via WA/call
Courtesy visit jika perlu
Impact: Cashflow mulai tertekan | | 🟠 SERIOUS | 15-30 hari | HIGH RISK - cash problem suspected | STOP all works immediately
Formal letter/email reminder
Owner direct contact dengan client
Decision: Lanjut hanya setelah payment masuk | | 🔴 CRITICAL | >30 hari | BAD DEBT RISK | PROJECT SUSPENDED
Legal warning letter
Prepare claim/legal action
Protection: Jangan tambah biaya lagi! |

[!CAUTION] NO PAYMENT = NO WORK POLICY - Termin 1 belum masuk? → STOP pembelian material termin 2 - Termin 2 belum masuk? → STOP all works - >2 termin nunggak? → PROJECT TERMINATION - Pelunasan belum masuk? → TIDAK handover kunci

Indikator 4: Scope Creep Index

[!NOTE] SCOPE CREEP WARNING SYSTEM | Zone | Change Order | Status | Action | |------|--------------|--------|--------| | 🟢 NORMAL | <5% dari kontrak | Wajar, minor adjustments | Standard change order process
Example: Kontrak Rp 300jt, tambahan Rp 10jt | | 🟡 WATCH | 5-15% | Significant but manageable | Detailed approval, strict payment 50% DP
Track separately from main project
Example: Kontrak Rp 300jt, tambahan Rp 30jt | | 🟠 CONCERN | 15-30% | HIGH - Scope tidak terkontrol | STOP accepting new changes
Review dengan client: prioritas vs budget
Warning: Risk client tidak mau bayar semua!
Example: Kontrak Rp 300jt, tambahan Rp 60jt | | 🔴 DANGER | >30% | CHAOS - Proyek melenceng total | FREEZE semua perubahan
Renegotiate kontrak baru
atau TERMINATE
Example: Kontrak Rp 300jt, tambahan >Rp 90jt |

[!CAUTION] CHANGE ORDER PROTOCOL (NON-NEGOTIABLE) SETIAP pekerjaan tambahan WAJIB: 1. ✅ Foto area + deskripsi detail 2. ✅ Quotation terpisah dengan breakdown 3. ✅ Written approval dari client (WA/Email minimal) 4. ✅ DP 50% untuk change order diterima DULU 5. ✅ Sisa 50% sebelum pekerjaan tambahan selesai

Indikator 5: Material Variance

[!NOTE] MATERIAL COST VARIANCE WARNING | Zone | Variance | Status | Action | |------|----------|--------|--------| | 🟢 ON BUDGET | ±5% | Material cost sesuai RAB | Continue normal procurement | | 🟡 MINOR OVER | +6% s.d +15% | Masih acceptable | Review next procurement
Find alternative supplier
Cause: Harga naik wajar / spec upgrade approved | | 🟠 MAJOR OVER | +16% s.d +30% | CONCERN - eating margin | STOP procurement
PM + Owner review
Renegotiate atau ganti material
Cause: Bad procurement / spec tidak sesuai | | 🔴 CRITICAL | >+30% | DISASTER - margin habis | Emergency audit
Investigate fraud/kickback
Disciplinary action jika terbukti |

[!TIP] ROOT CAUSE ANALYSIS (saat variance >15%) - Harga market naik? → Request price adjustment ke client - Salah estimasi RAB? → Learn & fix untuk next project - Waste berlebihan? → Site management issue - Spec upgrade tanpa approval? → Policy violation - Fraud/kickback? → Investigation & legal action

3.2 Weekly Project Report Template

[!NOTE] WEEKLY PROJECT STATUS REPORT PROJECT INFO:

Field	Value
Nama Proyek	_____
Client	____-------
Nilai Kontrak	Rp _______
Week #	___ (Tanggal: ___ s.d ___)
PM	_____
Overall Status	🟢 / 🟡 / 🟠 / 🔴

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1. PROGRESS UPDATE

Metric	Value
Physical Progress	___%
Timeline Progress	On Time / Delay ___ days
Milestone This Week	_______
Issues/Blockers	_______

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2. FINANCIAL STATUS (5 INDIKATOR KUNCI)

KPI	Target	Actual	Status	Trend
Cost Ratio	<45%	____%	🟢🟡🟠🔴	↑↓↔
Timeline Variance	<5%	____%	🟢🟡🟠🔴	↑↓↔
Payment Collection	<7 hari	___ hari	🟢🟡🟠🔴	↑↓↔
Scope Creep Index	<5%	____%	🟢🟡🟠🔴	↑↓↔
Material Variance	±5%	+____%	🟢🟡🟠🔴	↑↓↔

DETAILED FINANCIALS:

Item	Budget (RAB)	Actual (YTD)	%
Revenue Received
Material Cost
Labor Cost
Subcon Cost
Other Cost
TOTAL COST
Gross Profit (Est)
Gross Margin %		___%

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3. RISK STATUS

Overall Risk Level: 🟢 GREEN / 🟡 YELLOW / 🟠 ORANGE / 🔴 RED

Active Risks: 1. ________ 2. _______ 3. _________

Mitigation Actions Taken: 1. ________ 2. _______ 3. _________

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4. NEXT WEEK PLAN

Item	Detail
Key Activities	_______
Material to Procure	_______
Expected Payment	Rp __ (Termin _)
Potential Issues	_______

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5. ACTION ITEMS & ESCALATIONS

• [ ] Normal - No escalation needed
• [ ] Early Warning - PM handle, inform Owner
• [ ] Serious - Owner review required
• [ ] Critical - Emergency meeting required

Specific Actions: 1. ________ 2. _______ 3. _________

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ATTACHMENTS: - [ ] Progress photos - [ ] Cost tracking spreadsheet - [ ] Updated timeline (if delayed) - [ ] Change order documentation (if any)

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SIGNATURES:

Role	Signature	Date
PM	_______	_
Finance Review	_______	_
Owner Reviewed	_______	_

4. DECISION MATRIX FRAMEWORK

4.1 Multi-Factor Decision Model

Ketika proyek menunjukkan warning signs, gunakan matrix ini untuk menentukan action:

4.2 Stop-Loss Trigger Matrix

[!CAUTION] AUTOMATIC STOP-LOSS TRIGGERS (MANDATORY - NO DISCUSSION) | Level | Trigger | Action | Decision | |-------|---------|--------|----------| | LEVEL 1: EARLY WARNING | Cost Ratio 50-60% | • PM submit detailed report to Owner (same day)
• Review all upcoming expenses
• Cost reduction plan dibuat dalam 48 jam
• Monitoring naik jadi DAILY | CONTINUE dengan monitoring ketat | | LEVEL 2: SERIOUS WARNING | Cost Ratio 61-70% | • STOP all non-essential purchases
• Emergency meeting Owner + PM + Finance (24 jam)
• Client notification tentang cost concern
• Review options: a) Request additional payment, b) Reduce scope drastis, c) Prepare exit strategy | CONTINUE only dengan approval Owner & clear corrective action plan | | LEVEL 3: CRITICAL | Cost Ratio 71-80% | • FULL STOP semua pengeluaran proyek
• Immediate Owner + Client meeting (dalam 48 jam)
• Written notice ke client tentang status
• Options: a) Client pay additional minimum 20%, b) Project scope cut 30-50%, c) Project terminated | CANNOT continue tanpa salah satu option dipilih & executed | | LEVEL 4: DISASTER PREVENTION | Cost Ratio >80% ATAU Cost > Revenue | • IMMEDIATE PROJECT TERMINATION
• No negotiation, no "kasihan client"
• Handover as-is dalam kondisi saat ini
• Legal protection mode activated
• Document semua evidence
• Prepare claim untuk payment outstanding
• Legal counsel jika client tidak kooperatif | TERMINATE - NO EXCEPTION |

**SPECIAL TRIGGERS (Auto-Escalate):**
- Payment delay >30 hari → STOP project
- Client MIA (missing in action) >14 hari → STOP
- Safety incident → STOP until resolved
- Legal issue muncul → STOP & consult lawyer
- Force majeure (banjir, kebakaran, dll) → STOP

5. ACTION PROTOCOL PER WARNING LEVEL

5.1 Green Zone Protocol (Normal Operations)

[!TIP] GREEN ZONE PROTOCOL Status: Semua indikator hijau, proyek berjalan sesuai rencana

Monitoring Frequency: - Weekly report ke Owner - Monthly financial summary - Standard site visit

Actions: - [ ] CONTINUE normal operations - [ ] Weekly PM report (standard template) - [ ] Monthly profitability check - [ ] Maintain good communication dengan client - [ ] Document progress dengan foto - [ ] Prepare for next termin collection

**No special action needed**, enjoy the smooth sailing! 🚢

5.2 Yellow Zone Protocol (Early Warning)

[!WARNING] YELLOW ZONE PROTOCOL Status: 1-2 indikator kuning, perlu perhatian lebih

Monitoring Frequency: - Daily cost tracking - Weekly Owner review meeting - Increased site supervision

WITHIN 24 HOURS: - [ ] PM submit detailed report explaining yellow flags - [ ] Identify root cause of warning - [ ] Propose corrective action plan - [ ] Get Owner approval for plan

WITHIN 48 HOURS: - [ ] Implement corrective actions - [ ] Review upcoming expenses - [ ] Re-forecast final cost & margin - [ ] Set daily monitoring

ONGOING: - [ ] Daily cost tracking updates - [ ] Daily PM report to Owner (via WA group) - [ ] Weekly review meeting - [ ] Track effectiveness of corrective actions

Sample Corrective Actions:

Yellow Zone Decision Points:

5.3 Orange Zone Protocol (Serious Warning)

[!CAUTION] ORANGE ZONE PROTOCOL Status: 2+ indikator kuning ATAU 1 indikator orange, proyek dalam masalah serius

Monitoring Frequency: - REAL-TIME cost tracking (daily update) - Daily Owner review - Client communication intensified

WITHIN 4 HOURS: - [ ] STOP all non-essential spending - [ ] Notify Owner immediately (call/WA) - [ ] Emergency meeting Owner + PM + Finance - [ ] Assess severity & options

WITHIN 24 HOURS: - [ ] Contact client - inform status - [ ] Present 3 options: - Option A: Additional payment - Option B: Scope reduction - Option C: Project termination - [ ] Document everything in writing - [ ] Set deadline untuk client decision (3-5 hari max)

WITHIN 48 HOURS (if no client response): - [ ] Formal written notice via email/letter - [ ] Stop all field works - [ ] Secure tools & materials on-site - [ ] Prepare legal documentation

ONGOING UNTIL RESOLVED: - [ ] ZERO new spending tanpa Owner approval - [ ] Daily situation report - [ ] Prepare exit strategy parallel - [ ] Protect company interests

Orange Zone Decision Tree:

5.4 Red Zone Protocol (Critical / Disaster)

[!CAUTION] RED ZONE PROTOCOL Status: Cost ratio >70% ATAU multiple critical indicators

This is EMERGENCY MODE 🚨

HOUR 0 (Trigger detected): - [ ] FULL STOP all project activities IMMEDIATELY - [ ] Call Owner ASAP (tidak bisa ditunda) - [ ] Secure all company assets on-site (tools, materials) - [ ] Emergency meeting within 4 hours (mandatory) - [ ] Document current status completely

**HOUR 4 (Emergency meeting):**
- [ ] Attendees: Owner, PM, Finance (NON-NEGOTIABLE)
- Agenda:
  1. Situation assessment (how bad is it?)
  2. Financial damage calculation
  3. Legal risk assessment
  4. Decision: Save atau Cut Loss?
  5. Action plan untuk next 24-48 jam
- Output:
  - Clear decision documented
  - Assigned responsibilities
  - Timeline for execution
  - Communication plan
- [ ] Owner final approval required

**HOUR 24 (Client notification):**
- [ ] Formal written notice to client (email + hardcopy)
- Content:
  - Current project status
  - Financial situation (transparent)
  - Company position & options
  - Deadline for client response (48-72 jam)
  - Consequences of no response
- [ ] Delivery: Email + WA + Surat (triple confirmation)
- [ ] Document proof of delivery

**HOUR 48-72 (Awaiting client response):**
- [ ] NO additional work on-site
- [ ] Prepare 2 parallel scenarios:
  - Scenario A: Client kooperatif (settlement)
  - Scenario B: Client tidak kooperatif (legal)
- [ ] Gather all evidence:
  - Contract & addendums
  - All communications (WA, email)
  - Photos & videos
  - Payment records
  - Cost receipts
  - Timeline documentation
- [ ] Consult legal counsel (if needed)

**HOUR 72+ (Execute decision):**
- [ ] Based on client response:
  - Settlement? → Execute settlement agreement
  - Legal? → Handover to lawyer
  - No response? → Default to legal protection
- [ ] Finalize all documentation
- [ ] Close project financially
- [ ] Post-mortem analysis (learn for future)
- [ ] Team debrief & lessons learned session

Red Zone - Settlement Options:

[!CAUTION] CRITICAL RULES untuk Red Zone 1. ⛔ NEVER continue work hoping "nanti bayarnya" 2. ⛔ NEVER spend more money to "selesaikan dulu" 3. ⛔ NEVER prioritize "customer service" over financial survival 4. ⛔ NEVER hide the situation from Owner 5. ⛔ NEVER make promises you can't keep to client 6. ✅ ALWAYS document EVERYTHING 7. ✅ ALWAYS protect company assets first 8. ✅ ALWAYS consult Owner before major decisions 9. ✅ ALWAYS get everything in writing 10. ✅ ALWAYS learn from the disaster untuk prevent next time

6. CASE STUDY DISASTER & LESSONS LEARNED

6.1 Case Study #1: Bu Raras Cimanggis

[!CAUTION] BU RARAS CIMANGGIS - DISASTER | Metric | Nilai | |--------|-------| | RAB Interior | Rp 106.900.000 | | Kontrak Actual | Rp 7.750.000 (hanya 7,2%!) | | Biaya Actual | Rp 44.087.700 | | Kerugian | Rp -36.337.700 | | Margin | -469% (DISASTER!) |

What Went Wrong? (Red Flags yang Terlewat)

Root Cause Analysis:

1. Planning Failure: RAB Rp 106jt vs kontrak Rp 7,7jt = MISMATCH 93%!
   → Ini NEVER should have been accepted

2. No Pricing Floor: Tidak ada minimum project size enforcement
   → Proyek kecil dengan scope besar = impossible math

3. No Stop-Loss: Tidak ada automatic trigger untuk stop
   → Continue sampai rugi Rp 36jt

4. Client Expectation Mismatch: Client expect full RAB Rp 106jt dengan bayar Rp 7,7jt
   → Communication failure sejak awal

5. "Service Excellent" Trap: Prioritas customer satisfaction over profitability
   → Company rugi Rp 36jt untuk "customer puas"

[!TIP] PREVENTION RULES dari Case Bu Raras 1. MINIMUM PROJECT SIZE - Proyek < Rp 25 juta: AUTOMATIC REJECT - Exception only untuk client loyal dengan track record

1. SCOPE vs BUDGET ALIGNMENT CHECK
2. Jika RAB Rp 100jt tapi client budget Rp 10jt: REJECT immediately atau scope cut 90%!

3. Formula: Budget minimum = RAB × 80%

4. STOP-LOSS TRIGGER: Cost Ratio >60%

5. Bu Raras hit 259% di week 2 → Should have STOPPED

6. Automatic freeze spending jika cost ratio >60%

7. PRE-PROJECT RED FLAG CHECKLIST

8. Bu Raras would score RED di client + technical

9. Matrix decision: REJECT

10. NO "HOPING CLIENT WILL PAY MORE" MENTALITY

11. Jika scope Rp 100jt, client MUST agree upfront

12. TIDAK ADA "dikerjakan dulu, nanti minta bayar"

13. OWNER APPROVAL untuk HIGH-RISK PROJECT

14. Proyek dengan red flags MUST get Owner pre-approval
15. PM tidak boleh decide sendiri untuk extreme cases

What Should Have Happened:

6.2 Case Study #2: Bu Yasmin Bojong

[!CAUTION] BU YASMIN BOJONG - TOTAL LOSS | Metric | Nilai | |--------|-------| | Revenue | Rp 0 (ZERO!) | | Biaya Actual | Rp 14.723.250 | | Kerugian | Rp -14.723.250 | | Margin | -100% (TOTAL LOSS!) |

What Went Wrong?

Root Cause Analysis:

1. No Proper Contract: Tidak ada dokumen tertulis yang mengikat
   → Legal exposure, client bisa "lupa" atau deny

2. Zero Down Payment: Mulai kerja tanpa DP sama sekali
   → Red flag besar! Client commitment sangat rendah

3. No Payment Collection: Setelah work done, client tidak bayar
   → Collection process failed atau client sengaja ngemplang

4. Possible Client Fraud: Client mungkin dari awal niat tidak bayar
   → Harus screening better di pre-project phase

[!TIP] PREVENTION RULES dari Case Bu Yasmin 1. NO CONTRACT = NO WORK (Absolute Rule) - Setiap proyek WAJIB ada SPK/Kontrak tertulis - Minimum: Scope, nilai, termin, timeline - Signed oleh kedua pihak

1. NO DOWN PAYMENT = NO WORK (Absolute Rule #2)
2. DP minimum 30% WAJIB diterima SEBELUM mulai
3. Tidak ada exception untuk "client terpercaya"

4. Tidak ada "nanti bayarnya kalau sudah selesai"

5. VERIFY CLIENT IDENTITY & CONTACT

6. KTP/ID card
7. Alamat jelas
8. No HP aktif

9. Reference check untuk client baru

10. PAYMENT MILESTONE ENFORCEMENT

11. Termin 1 belum masuk? → STOP work
12. Termin 2 belum masuk? → STOP & legal notice

13. Pelunasan belum lunas? → TIDAK handover

14. LEGAL PROTECTION KIT

15. Template contract ready
16. Standard SPK dengan terms clear
17. Collection SOP (reminder, notice, legal)

18. Lawyer contact untuk emergency case

19. CLIENT BLACKLIST SYSTEM

20. Maintain list of bad clients
21. Share dengan industry network (jika ethical)
22. Auto-reject jika di blacklist

What Should Have Happened:

6.3 Case Study #3: Pak Dani (Margin -61%)

[!CAUTION] PAK DANI - HEAVY LOSS | Metric | Nilai | |--------|-------| | Revenue | Rp 38.202.000 | | Biaya Actual | Rp 61.449.000 (161% dari revenue!) | | Kerugian | Rp -23.247.000 | | Margin | -61% (DISASTER!) | | Cost Ratio | 161% (>100% = spending lebih!) |

What Went Wrong?

Root Cause Hypotheses (data terbatas):

1. Bad Estimation: RAB terlalu optimis, tidak memperhitungkan complexity
2. Scope Creep Unpaid: Client minta tambah-tambah tapi tidak bayar
3. Material Price Shock: Harga material naik drastis, tidak di-adjust
4. Procurement Issue: Vendor overcharge atau kickback
5. Waste/Rework: Quality issue, harus ulang pekerjaan

[!TIP] PREVENTION RULES dari Case Pak Dani 1. RAB ACCURACY CHECK - RAB harus di-review minimal 2 orang (PM + Finance) - Contingency buffer 15-20% MANDATORY - Material prices harus updated (max 1 bulan lalu)

1. COST TRACKING DARI HARI 1
2. Week 1: Check cost ratio (should be <10-15%)
3. Week 2: Trend analysis (increasing atau stable?)

4. Warning jika cost ratio >40% di <50% progress

5. SCOPE CHANGE = PAYMENT CHANGE

6. Setiap tambahan scope = quotation + approval + DP
7. NO free scope additions

8. "Service excellent" ≠ free services

9. STOP-LOSS AT 70% COST RATIO

10. Pak Dani 161% = jauh melewati trigger
11. Should have STOPPED di 60-70%

12. Cut loss Rp 15-20jt instead of Rp 23jt

13. VENDOR AUDITING

14. Compare 3 vendor prices untuk major items
15. Spot-check material quality vs invoice

16. Investigate jika variance >15%

17. PROGRESS vs COST ALIGNMENT

18. Progress 30% → Cost should be ~30-35%
19. Red flag jika Progress 30% tapi Cost 50%+

Prevention Timeline:

6.4 Summary: Common Patterns Disaster Projects

[!NOTE] COMMON PATTERNS - 3 DISASTER PROJECTS | Pattern | Deskripsi | Prevention | |---------|-----------|------------| | ❌ PATTERN #1:
Accepting Impossible Projects | • Scope vs budget mismatch ekstrim
• Client tidak willing bayar harga realistis
• Hoping "nanti bisa minta lebih" | Pre-project red flag screening | | ❌ PATTERN #2:
No Formal Contract / No DP | • Mulai kerja tanpa proteksi legal
• Trust-based agreement yang tidak binding
• Client commitment rendah dari awal | No Contract/DP = No Work rule | | ❌ PATTERN #3:
No Cost Control & Stop-Loss | • Cost ratio meledak tanpa early warning
• Continue sampai selesai meski sudah rugi
• "Sudah terlanjur" mentality | Weekly tracking + auto stop-loss | | ❌ PATTERN #4:
"Service Excellent" Trap | • Prioritize customer satisfaction over profit
• Free scope additions untuk "customer happy"
• Company rugi tapi customer senang = BAD BUSINESS | Profit-first mindset | | ❌ PATTERN #5:
Weak Client Screening | • Accept semua clients tanpa assessment
• No verification, no reference check
• Walk-in clients dengan red flags diterima | Client risk assessment mandatory |

The Good News:

✅ Dari 22 proyek dengan RAB lengkap: 95,5% sukses (21/22 profitable)
✅ Disaster cuma 3 dari 37 = 8,1% (masih minority)
✅ All disasters PREVENTABLE dengan sistem yang tepat
✅ Success pattern REPEATABLE dengan follow SOP

Kalau sistem Red Flag + Early Warning ini dipakai konsisten:
→ 3 disaster (Rp -74jt loss) bisa dicegah atau diminimalkan
→ Success rate bisa naik dari 62% ke 85-90%
→ Annual profit bisa naik Rp 50-100 juta dari prevent losses

7. CHECKLIST & TOOLS

7.1 Master Checklist - Project Lifecycle

[!NOTE] RENOVASIA PROJECT SAFETY CHECKLIST Gunakan untuk SETIAP proyek tanpa exception

PHASE 1: PRE-PROJECT ASSESSMENT - [ ] Red Flag Assessment dilakukan (Client + Technical score) - [ ] Combined Risk Level determined (Green/Yellow/Red) - [ ] Budget ≥ Rp 25 juta (atau ada exception approval) - [ ] Pricing Floor check: ≥ Rp 2,5 juta/m² - [ ] Expected margin ≥ 40% - [ ] RAB detailed sudah dibuat dan di-review - [ ] Contract/SPK prepared dengan terms jelas - [ ] DP requirement sesuai risk level (30-50%) - [ ] Owner approval jika kategori Yellow/Red - [ ] Decision: ACCEPT / ACCEPT WITH CONDITIONS / REJECT

PHASE 2: PROJECT KICK-OFF - [ ] Contract signed oleh client - [ ] DP diterima & cleared di bank (MANDATORY) - [ ] Scope of work documented dengan detail - [ ] Drawing/design approved oleh client - [ ] Material specification confirmed - [ ] Timeline realistic dan agreed - [ ] Payment schedule clear (termin + dates) - [ ] PM assigned dan briefed - [ ] Site survey completed - [ ] Subkontraktor & supplier identified - [ ] Cost tracking system setup - [ ] Weekly reporting schedule set

PHASE 3: EXECUTION MONITORING (WEEKLY)

Week: ___

• [ ] Physical progress update (foto + percentage)
• [ ] Cost ratio calculation & status (Green/Yellow/Orange/Red)
• [ ] Timeline variance check (on-time / delay ___ days)
• [ ] Payment collection status (termin due vs actual)
• [ ] Scope creep index (change orders tracking)
• [ ] Material variance check (budget vs actual)
• [ ] Risk status review (active risks documented)
• [ ] PM weekly report submitted
• [ ] Owner review completed (if Yellow+)
• [ ] Corrective actions (if needed) implemented

WARNING TRIGGERS THIS WEEK: - [ ] None - All green ✅ - [ ] Early warning - Yellow flag(s) 🟡 - [ ] Serious warning - Orange flag(s) 🟠 - [ ] Critical - Red alert 🔴

ACTIONS TAKEN:

---

PHASE 4: PAYMENT COLLECTION

For each termin:

Termin: ___ | Due date: __ | Amount: Rp __

• [ ] Invoice sent to client (3 days before due)
• [ ] Reminder sent (on due date)
• [ ] Payment received & cleared
• [ ] Delay: ___ days (0 = on time)
• [ ] Action if delayed:
• [ ] 1-7 days: Friendly reminder (WA/call)
• [ ] 8-14 days: Intensive follow-up
• [ ] 15-30 days: STOP work + formal notice
• [ ] >30 days: Legal warning + project suspend

PHASE 5: PROJECT COMPLETION - [ ] Final inspection done - [ ] Punch-list items completed - [ ] Client final approval received - [ ] Pelunasan 100% received & cleared (MANDATORY before handover) - [ ] Handover documentation prepared (BA, warranty, manual) - [ ] Kunci & documents handed over to client - [ ] Site cleanup completed - [ ] Final photos taken (before-after) - [ ] Client satisfaction survey - [ ] Referral request (jika client puas)

PHASE 6: POST-PROJECT REVIEW - [ ] Final financial summary completed - [ ] Actual vs Budget analysis - [ ] Final margin calculation - [ ] Lessons learned documented - [ ] RAB template updated (jika ada learning) - [ ] Client profile updated (untuk future reference) - [ ] Success case study (jika margin >60%) - [ ] Team debrief session - [ ] Warranty period tracking setup (if applicable)

FINAL METRICS: | Metric | Value | |--------|-------| | Final Revenue | Rp _ | | Final Cost | Rp _ | | Gross Profit | Rp _ | | Gross Margin % | _% | | Timeline Variance | ___% (on time / delay / early) | | Client Satisfaction | ⭐⭐⭐⭐⭐ (1-5 stars) | | Overall Grade | A / B / C / D / F |

7.2 Quick Decision Tools

Tool #1: 60-Second Risk Score

[!NOTE] 60-SECOND PROJECT RISK CALCULATOR (Quick Pre-Screen) | Question | Option | Points | |----------|--------|--------| | Q1: Budget berapa? | >Rp 250 juta | 0 point | | | Rp 100-250 juta | 1 point | | | <Rp 100 juta | 3 points | | Q2: Client mau DP berapa persen? | 30-40% OK | 0 point | | | Nego 20-25% | 2 points | | | Tolak DP / <20% | 5 points | | Q3: Timeline expectation? | 4-6 bulan realistis | 0 point | | | 2-3 bulan tight | 1 point | | | <2 bulan unrealistis | 3 points | | Q4: Scope clarity? | Jelas, ada design | 0 point | | | Agak fuzzy | 2 points | | | Sangat tidak jelas | 4 points | | Q5: Client price sensitivity? | Focus value | 0 point | | | Nego 5-10% | 1 point | | | Bargain >20% | 3 points |

---

TOTAL RISK SCORE: _____ points

Score	Interpretation
0-3 points	✅ LOW RISK - Accept
4-7 points	⚠️ MEDIUM RISK - Accept dengan syarat ketat
8-12 points	🔴 HIGH RISK - Premium pricing +30% atau reject
13+ points	❌ EXTREME RISK - REJECT

**TIME:** 60 seconds  
**USE:** First phone call / initial meeting screening

Tool #2: Stop-Loss Calculator

[!NOTE] STOP-LOSS TRIGGER CALCULATOR INPUT:

Field	Value
Nilai Kontrak	Rp _____

CALCULATE TRIGGERS:

Zone	Calculation	Trigger Amount
🟡 Early Warning (50%)	Kontrak × 50%	Rp ____ × 50% = Rp ____
🟠 Serious Warning (65%)	Kontrak × 65%	Rp ____ × 65% = Rp ____
🔴 Critical (75%)	Kontrak × 75%	Rp ____ × 75% = Rp ____

→ Jika biaya actual mencapai trigger: ALERT!

EXAMPLE: Kontrak Rp 300 juta: - Yellow trigger: Rp 150 juta (50%) - Orange trigger: Rp 195 juta (65%) - RED trigger: Rp 225 juta (75%) → STOP!

SET ALERTS di cost tracking: - [ ] Reminder di Rp _ - [ ] Warning di Rp _ - [ ] STOP di Rp ____

Tool #3: Payment Delay Tracker

[!NOTE] PAYMENT DELAY ACTION TRACKER | Day | Action | Status | |-----|--------|--------| | DAY 0 (Due date) | Send reminder via WA (friendly)
Confirm client received invoice | | | DAY +3 | Follow-up call (polite inquiry) | 🟢 Green | | DAY +7 | Second reminder (more formal) | 🟡 Yellow - Watch closely | | DAY +10 | Direct call to decision maker
Email formal reminder | 🟠 Orange - Escalate | | DAY +14 | 🚨 SERIOUS DELAY
STOP all work on-site immediately
Notify Owner
Send formal letter/email (registered) | 🔴 Red - Crisis mode | | DAY +21 | Owner direct contact dengan client
Warning: Legal action in 7 days
Prepare termination docs | | | DAY +30 | 🛑 CRITICAL - EXECUTE STOP-LOSS
PROJECT SUSPENDED officially
Legal warning letter sent
Consult lawyer untuk next steps
Protect company assets | |

**NOTES:**
_________________________________________________________________
_________________________________________________________________

8. ESCALATION & AUTHORITY MATRIX

8.1 Decision Authority Levels

8.2 Escalation Protocol

[!NOTE] WHEN & HOW TO ESCALATE? | Zone | Action | Method | Timeline | |------|--------|--------|----------| | 🟢 GREEN ZONE | No escalation | PM manage normal, weekly report to Owner | Standard | | 🟡 YELLOW ZONE | Inform Owner (same day) | WA message + brief explanation
Content: What's yellow? What's the plan?
Owner response: Acknowledge, may request details | Daily updates until back to green | | 🟠 ORANGE ZONE | Emergency meeting (within 24 hours) | Phone call Owner + Emergency meeting
Attendees: PM + Finance + Owner (MANDATORY)
Content: Full situation, options, recommendations
Output: Clear decision & action plan | Daily reports until resolved | | 🔴 RED ZONE | Immediate escalation (within 4 hours) | Direct call Owner (interrupt apapun)
Meeting: Emergency (dalam 4 jam, non-negotiable)
Content: Crisis briefing, damage assessment
Decision: Owner makes final call
Execute: Immediate action based on decision | Hourly updates until stabilized |

Escalation Communication Template:

[!NOTE] ESCALATION MESSAGE TEMPLATE | Field | Value | |-------|-------| | TO: | Owner | | FROM: | PM [Nama] | | DATE: | [Tanggal] [Jam] | | PRIORITY: | 🟡 YELLOW / 🟠 ORANGE / 🔴 RED | | PROJECT: | [Nama Proyek] | | CLIENT: | [Nama Client] | | ISSUE: | [Brief description] |

---

SITUATION:

Metric	Value
Progress	___%
Cost Ratio	___% (Target: <45%)
Status	🟢 / 🟡 / 🟠 / 🔴

Warning Triggers: - [Indikator 1]: [Value] - [Status] - [Indikator 2]: [Value] - [Status] - [Indikator 3]: [Value] - [Status]

Root Cause: [Explain apa yang menyebabkan masalah]

Financial Impact: | Item | Value | |------|-------| | Current Loss/Risk | Rp _ | | Projected Final Impact | Rp _ | | Timeline Impact | +___ days delay |

---

OPTIONS & RECOMMENDATION:

	Option A	Option B	Option C
Description	[Description]	[Description]	[Description]
Pros	[Benefits]	[Benefits]	[Benefits]
Cons	[Drawbacks]	[Drawbacks]	[Drawbacks]
Cost	Rp ____	Rp ____	Rp ____
Timeline	___ days	___ days	___ days

MY RECOMMENDATION: Option ___ Reasoning: [Explain why]

---

REQUESTED ACTION: - [ ] Approve recommendation & execute - [ ] Emergency meeting untuk diskusi (when: __) - [ ] Different approach (please advise)

URGENCY: - [ ] Immediate (dalam 4 jam) - [ ] Urgent (dalam 24 jam) - [ ] Soon (dalam 48 jam)

---

ATTACHMENTS: - [ ] Cost tracking spreadsheet - [ ] Photos/evidence - [ ] Client communication - [ ] Other: ____

PM: [Nama]
Contact: [No HP]

📌 QUICK REFERENCE SUMMARY

The 10 Commandments of Project Safety

1. Thou Shalt Screen Every Client - Pre-project red flag assessment MANDATORY
2. Thou Shalt Not Start Without DP - Minimum 30% DP, no exceptions
3. Thou Shalt Not Accept Impossible Projects - Scope vs budget must align
4. Thou Shalt Track Cost Weekly - Cost ratio monitoring dari week 1
5. Thou Shalt Stop at 70% - Cost ratio >70% = automatic stop-loss trigger
6. Thou Shalt Not Work for Free - Every scope change = quotation + payment
7. Thou Shalt Escalate Early - Yellow flag = inform Owner same day
8. Thou Shalt Protect Company First - Profitability > customer satisfaction
9. Thou Shalt Document Everything - Paper trail untuk legal protection
10. Thou Shalt Learn from Disasters - Post-mortem analysis after every problem

One-Page Cheat Sheet (Integrated dengan Cluster)

[!NOTE] RED FLAG & EARLY WARNING - QUICK GUIDE (v2.0) CLUSTER BRACKETS (Cek dulu proyek masuk mana): | Bracket | Nilai | Timeline | Notes | |---------|-------|----------|-------| | 🅰️ A | Rp 700jt | 6-10 bln | ⭐ BEST MARGIN |

PRE-PROJECT SCORING (Simple!): - 📋 Client Assessment: 10 indikator × 🟢(0) 🟡(1) 🔴(2) - 📋 Technical Assessment: 10 indikator × 🟢(0) 🟡(1) 🔴(2)

Score	Category
0-4 pts	GREEN (Low Risk)
5-9 pts	YELLOW (Medium Risk)
10-14 pts	ORANGE (High Risk)
15-20 pts	RED (reject!)

AUTO-REJECT RULES (Non-Negotiable): - ❌ Budget 50% - ❌ Timeline unrealistis (<50% standard cluster) - ❌ Sengketa legal/permit aktif

COST RATIO WARNING (per Cluster Target): Bracket A: <50% | B: <40% | C: <38% | D: <35% | E: <32%

Zone	Action
🟢 ≤Target	Normal, weekly monitor
🟡 Target+10-20%	Daily track + cost reduction plan
🟠 Target+20-30%	Emergency meeting + STOP non-essential
🔴 >Target+30%/65%	FREEZE spending + client negotiation
💀 >75%	TERMINATE immediately (no exception)

PAYMENT DELAY PROTOCOL: | Delay | Action | |-------|--------| | 🟢 0-7 hari | Normal follow-up | | 🟡 8-14 hari | Daily reminder intensif | | 🟠 15-30 hari | STOP work + formal notice | | 🔴 >30 hari | Project suspend + legal protection |

DECISION AUTHORITY (Decision Speed): | Amount | Authority | |--------|-----------| | 💰 Rp 50 juta | Owner final decision only | | 🛑 Terminate | ALWAYS Owner only |

THE 10 COMMANDMENTS: 1. Screen setiap client (20-point checklist) 2. Jangan mulai tanpa DP (30-50% depending risk) 3. Jangan terima proyek impossible (scope vs budget) 4. Track cost weekly (cost ratio dari week 1) 5. Stop di 75% cost ratio (automatic, no exception) 6. Jangan kerja gratis (change order = quotation + DP) 7. Escalate early (yellow = inform Owner same day) 8. Protect company first (profit > customer satisfaction) 9. Document everything (paper trail for legal) 10. Learn from disasters (post-mortem analysis)

**GOLDEN RULES:**
- ✅ Prevention > Correction
- ✅ Data > Feeling | Cluster > Gut-feel
- ✅ Early Action > Late Regret
- ✅ Bracket B-E > Bracket A (better margin & efficiency)

🎯 IMPLEMENTATION ROADMAP

Week 1: System Setup

• [ ] Print & distribute dokumen ini ke PM + Finance
• [ ] Training session: Red Flag System (2 jam)
• [ ] Setup cost tracking template
• [ ] Create WA group: Project Alerts

Week 2: Tool Preparation

• [ ] Customize Pre-Project Assessment Form
• [ ] Setup automatic cost ratio calculator (Excel/Google Sheet)
• [ ] Create escalation contact list
• [ ] Prepare template documents (contract, SPK, notice, dll)

Week 3: Pilot Implementation

• [ ] Apply red flag assessment untuk 1-2 proyek baru
• [ ] Test weekly monitoring untuk existing projects
• [ ] Identify gaps & adjust

Week 4: Full Rollout

• [ ] MANDATORY untuk semua proyek baru
• [ ] Retrofit monitoring untuk all active projects
• [ ] Monthly review meeting

Ongoing:

• [ ] Monthly: Review all yellow/orange/red cases
• [ ] Quarterly: System effectiveness audit
• [ ] Annually: Update thresholds based on data

CLOSING MESSAGE:

Sistem Red Flag & Early Warning ini bukan untuk membuat kita paranoid,
tapi untuk membuat kita prepared.

Bukan untuk menolak semua proyek,
tapi untuk accept the right projects.

Bukan untuk menghindari risiko sama sekali,
tapi untuk manage risk dengan bijak.

Prevention jauh lebih murah daripada correction.
Rp 74 juta kerugian 2025 bisa dicegah dengan sistem ini.

Data tidak berbohong. Emotion bisa salah.
Ikuti trigger, jangan ikuti "feeling".

Profit dulu, baru customer satisfaction.
Company sehat = bisa service customers lebih baik long-term.

Mari kita pastikan 2026 ZERO DISASTER PROJECTS! 🎯

Document Control: - Version: 1.0 - Created: 27 Januari 2026 - Last Updated: 27 Januari 2026 - Next Review: 27 April 2026 (quarterly) - Owner: Management Renovasia - Status: ACTIVE - MANDATORY USE