One dataset, two languages — the method.
Everything here was designed and coded end-to-end by Claude Fable 5, working autonomously inside Claude Code from a single prompt: real research in, deployed sites out. This page is the master recipe; each site's own /guide covers its specific tricks.
The two
| Site | Language | Signature technique |
|---|---|---|
| CITY | cinematic night city | InstancedMesh + GLSL window shader; red windows = NPL rate |
| GROUND | Swiss print report | orthographic spike map on real geography; variable-width type |
The recipe
- Start from real work. Two research reports — SME NPL, Small+Medium Only and Consumer Credit NPL 2026 — built from OJK's Statistik Perbankan Indonesia for history to June 2025 and a direct pull of the regulator's Portal Data Sektor Jasa Keuangan Terintegrasi for every 2026 figure, validated against published aggregates to the rounding digit. Every site reuses those exact figures; nothing is smoothed or invented.
- One metaphor per site, taken literally. Pick an image the data already contains (households = a city at night; a regulator's numbers = a printed report) and make the data drive the metaphor's physics — window color, spike height, bar weight. Decoration is banned; if a pixel moves, a number moved it.
- No assets. Zero images, zero chart libraries, zero templates, zero build steps. WebGL (Three.js or raw), canvas, SVG and CSS generate everything. Single HTML file per site plus a ~15-line Express server exposing
/and/guide. - Honesty features. Data gaps drawn as dashed lines; zoomed axes declared; presentation devices (alert thresholds, bleed mapping) stated on the page; validation arithmetic reprinted; provincial totals reconciled to national.
- Iterate with real eyes. Serve locally, screenshot in a real browser, run at least three critique passes per site — hunting contrast failures, label collisions, dead states, broken metaphors — and fix after each.
- Ship. One Railway project, one service per site, generated domains, cross-links patched at deploy time.
The findings, in one breath
- SME NPL (small+medium, micro excluded): 4.95%, May 2026 — essentially flat since 2023, up about 35 bps on its 2021 level. Excluding micro raises the number; the risk is in the medium segment (5.73%).
- Jawa Barat is the worst large SME book (6.55%), the only one rising materially, medium segment 8.61% and accelerating — manufacturing and medium-trade driven, performance not mix.
- Consumer credit runs cleaner (mortgage 3.37%, auto 2.66%, cards 2.56%, personal 1.98%) — but Jabar also holds the worst large mortgage book (4.12%), while its consumer discipline is otherwise fine.
- Bali: big books can be clean — SME 1.83% on Rp 31.1 T.
Credits
Analysis: Raka, Indonesia lending-market specialist, PKA desk. Data: OJK (SPI to Jun-2025 + Portal Data SJKT, data.ojk.go.id/SJKPublic). Design, code, iteration and deployment: Claude Fable 5, autonomous, 2026.