[
    {
      "id": "1",
      "code": "SM",
      "desc": "MODAL PERNIAGAAN KECIL",
      "risk_point": "2",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "2",
      "code": "CP",
      "desc": "PEMBAYARAN KOMPAUN",
      "risk_point": "1",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "3",
      "code": "GP",
      "desc": "JAMINAN PEMBAYARAN",
      "risk_point": "3",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "4",
      "code": "DP",
      "desc": "PEMBAYARAN DEPOSIT / BAYARAN WANG PENDAHULUAN",
      "risk_point": "2",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "5",
      "code": "UE",
      "desc": "PERBELANJAAN HARIAN PENGANGGURAN",
      "risk_point": "2",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "6",
      "code": "HL",
      "desc": "PINJAMAN PERUMAHAN",
      "risk_point": "3",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "7",
      "code": "SF",
      "desc": "YURAN SEKOLAH",
      "risk_point": "1",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "8",
      "code": "CL",
      "desc": "PINJAMAN KENDERAAN",
      "risk_point": "2",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "9",
      "code": "HR",
      "desc": "RENOVASI RUMAH",
      "risk_point": "3",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "10",
      "code": "MR",
      "desc": "PERKAHWINAN",
      "risk_point": "2",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "11",
      "code": "BL",
      "desc": "BELI HARTA TANAH",
      "risk_point": "4",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "12",
      "code": "MF",
      "desc": "YURAN PERUBATAN",
      "risk_point": "1",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "13",
      "code": "LE",
      "desc": "PERBELANJAAN HIDUP",
      "risk_point": "1",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "14",
      "code": "VR",
      "desc": "PEMBAIKAN KENDERAAN",
      "risk_point": "1",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "15",
      "code": "PS",
      "desc": "BAYAR GAJI",
      "risk_point": "3",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "16",
      "code": "UK",
      "desc": "TIDAK DIKETAHUI",
      "risk_point": "4",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "17",
      "code": "OT",
      "desc": "LAIN-LAIN",
      "risk_point": "4",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    },
    {
      "id": "18",
      "code": "ML",
      "desc": "MELANCONG",
      "risk_point": "4",
      "potdft": "N",
      "created_at": "2025-08-22 18:21:36",
      "updated_at": "2025-08-22 18:21:36"
    }
  ]