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SELECT ddm.masterPembiayaan_BSI_20230531.sektorEkonomi, ddm.refSektorEkonomiClassification_20230531.SandiLSMK,
            	ddm.masterPembiayaan_BSI_20230531.noRekening,
            	cfa.ATMR_detail_20230531.NomorRekening,
            	ddm.refSektorEkonomiClassification_20230531.ClusterSekonLSMK, 
            	cfa.ATMR_detail_20230531.BobotResiko, ddm.masterPembiayaan_BSI_20230531.tanggalTutup,
            	ddm.masterPembiayaan_BSI_20230531.kolektibilitas, ddm.refSektorEkonomiClassification_20230531.ClusterSekonLSMK,
            	cfa.ATMR_detail_20230531.Keterangan,
            	ddm.masterPembiayaan_BSI_20230531.imbalanAkanDiterima, ddm.masterPembiayaan_BSI_20230531.CKPN,
            	ddm.masterPembiayaan_BSI_20230531.sisaPokokPSAK
                FROM 
                ddm.masterPembiayaan_BSI_20230531
                JOIN ddm.refSektorEkonomiClassification_20230531
                ON ddm.masterPembiayaan_BSI_20230531.sektorEkonomi = ddm.refSektorEkonomiClassification_20230531.SandiLSMK 
                JOIN cfa.ATMR_detail_20230531 
                ON ddm.masterPembiayaan_BSI_20230531.noRekening = cfa.ATMR_detail_20230531.NomorRekening 
                WHERE 
                ddm.masterPembiayaan_BSI_20230531.kolektibilitas IN (1,2)
                AND LOWER(ddm.refSektorEkonomiClassification_20230531.ClusterSekonLSMK) <> 'financial institution'
        
            AND LOWER(cfa.ATMR_detail_20230531.Keterangan) = LOWER('pembiayaan beragunan tempat tinggal') AND cfa.ATMR_detail_20230531.BobotResiko <= 35
        
                AND DATEDIFF(DAY, '2023-05-31', ddm.masterPembiayaan_BSI_20230531.tanggalTutup) >= 365
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