📋 Credit Summary — Pre-Interview Brief

Andri Indrawan · KTP: 3671090703860001 · Generated: 12 May 2026, 03:33 WIB

Recommendation

Approved

Risk: Pending · Internal Score: 0/100 · Eligibility: PROCEED_WITH_CHECKS

Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: ec

⚠ Agent failures detected — sections below may be incomplete

Risk & Interview Agent: Error code: 402 - {'error': {'message': 'Insufficient credits. Add more using https://openrouter.ai/settings/credits', 'code': 402}}
Occupational & Profile Check Agent: Error code: 402 - {'error': {'message': 'Insufficient credits. Add more using https://openrouter.ai/settings/credits', 'code': 402}}

Re-run the analysis or escalate. Most failures are transient (LLM JSON parse, rate limit, context length).

Applicant Profile

Full Name

Andri Indrawan

Age / DOB

None · Mar 7th 1986

KTP / Mobile

3671090703860001
0856-9182-8855

Education

Marital · Dependents

Kawin · 2.0

Job · Employer

staff
PT Bank Jtrust

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 150,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=80.0%, FOIR=20.0%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA JAKARTA BARAT, DKI JAKARTA	✓ Pass
Minimum Education	≥ Senior High School (SMA)	S1	✓ Pass
Employer Type	State-Owned / Government / Private	SWASTA	✓ Pass
Employment Contract	Permanent / Karyawan Tetap	KARYAWAN TETAP	✓ Pass
Employer in business > 5 years	> 5 years	Manual verification required	◎ Manual
Tenure in Current Company	≥ 1 year	1 years	✓ Pass
Total Work Experience	≥ 3 years	10 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 10,000,000	✓ Pass

Income & Loan Request

Declared Income/mo

Rp 10,000,000

Bank-Detected/mo

Rp 0

Declared Expenses/mo

Rp 4,000,000

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 150,000,000	Rp 2,000,000
Bureau (AFPI + CLIK)	Rp 129,716,431	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

AFPI Bureau Analysis 292 loans · Rp 39.952.761 outstanding · 9 Pinjol(s)

Loans by Pinjol (top 15 by outstanding)

Pinjol	Loans	Outstanding
Easy Cash	4	Rp 22.899.998
Kredito	1	Rp 5.000.000
Adapundi	1	Rp 3.600.000
Pinjam Yuk	8	Rp 3.000.000
AdaKami	7	Rp 2.852.765
KTA Kilat	3	Rp 2.599.998
Gopay Later / Gopay Pinjam	252	Rp 0
Kredit Pintar	13	Rp 0
Asetku / Akulaku	3	Rp 0

Loan Status Count

Status	Count
L	281
W	9
F	2

Collectibility Status Count

Bucket	Count
DPD 0	162
DPD 1-30	119
DPD 90+	11

Collectibility × Loan Status (Count)

	L	F	W
DPD 0	162	—	—
DPD 1-30	119	—	—
DPD 90+	—	2	9

Collectibility × Loan Status (Outstanding Loan Value)

	L	F	W
DPD 0	Rp 0	—	—
DPD 1-30	Rp 0	—	—
DPD 90+	—	Rp 11.449.999	Rp 28.502.762

Year × Loan Status (Count)

	L	F	W
2018	10	—	—
2019	19	—	—
2020	28	—	—
2021	76	—	—
2022	84	2	9
2023	64	—	—

Year × Collectibility Status (Count)

	DPD 0	DPD 1-30	DPD 90+
2018	10	—	—
2019	12	7	—
2020	13	15	—
2021	56	20	—
2022	46	38	11
2023	25	39	—

CLIK Bureau Analysis 9 loans · Rp 89.763.670 debit balance · DPD mean 12.22, max 58.0 days

Secured: 1 loans, Rp 53.999.306 · Unsecured: 8 loans, Rp 35.764.364 · Total disbursed (Initial Credit Limit): Rp 151.080.000

CLIK — Combined (secured + unsecured)

Contract Phase × DPD Bucket (count)

	Current	DPD 1-89
Active	6	3

Contract Status × DPD Bucket (count)

	Current	DPD 1-89
Active Facilities	6	3

DPD Bucket × Debit Balance (sum)

DPD Bucket	Debit Sum
Current	Rp 82.219.234
DPD 1-89	Rp 7.544.436

Contract Phase Count

Phase	Count
Active	9

Debit Balance per Contract Type Code

Type Code	Sum
Others	Rp 88.442.567
Credit to third parties through other agencies by channeling	Rp 1.099.103
Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks)	Rp 222.000

Debit Balance per Provider Type Code

Provider Code	Sum
Conventional Rural Bank	Rp 53.999.306
Conventional Commercial Bank	Rp 29.097.031
Non Financial Services Institution	Rp 5.000.000
Fintech	Rp 1.445.333
Financing Company	Rp 222.000

CLIK — Secured

Contract Phase × DPD Bucket (count)

	Current
Active	1

Contract Status × DPD Bucket (count)

	Current
Active Facilities	1

DPD Bucket × Debit Balance (sum)

DPD Bucket	Debit Sum
Current	Rp 53.999.306

Contract Phase Count

Phase	Count
Active	1

Debit Balance per Contract Type Code

Type Code	Sum
Others	Rp 53.999.306

Debit Balance per Provider Type Code

Provider Code	Sum
Conventional Rural Bank	Rp 53.999.306

CLIK — Unsecured

Contract Phase × DPD Bucket (count)

	Current	DPD 1-89
Active	5	3

Contract Status × DPD Bucket (count)

	Current	DPD 1-89
Active Facilities	5	3

DPD Bucket × Debit Balance (sum)

DPD Bucket	Debit Sum
Current	Rp 28.219.928
DPD 1-89	Rp 7.544.436

Contract Phase Count

Phase	Count
Active	8

Debit Balance per Contract Type Code

Type Code	Sum
Others	Rp 34.443.261
Credit to third parties through other agencies by channeling	Rp 1.099.103
Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks)	Rp 222.000

Debit Balance per Provider Type Code

Provider Code	Sum
Conventional Commercial Bank	Rp 29.097.031
Non Financial Services Institution	Rp 5.000.000
Fintech	Rp 1.445.333
Financing Company	Rp 222.000

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	80.04%	Green	≤ 100% Green \| 100-130% Amber \| > 130% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) — (FLIN EMI + secured EMI + expenses + rent) / declared income
FOIR (Fixed Obligations / Income) PRIMARY	20.00%	Green	< 40% Green \| 40-60% Amber \| > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	125.00%	Green	< 300% Green \| 300-500% Amber \| > 500% Red
Total Debt / Annual Income	1.25x	Green	< 3x Green \| 3-5x Amber \| > 5x Red
Residual Monthly Income (post all outflows)	Rp 13,000,000	Green	> IDR 5M Green \| 2-5M Amber \| < 2M Red
Bank-detected vs Declared Income	N/A	Red	≥ 90% Green \| 75-90% Amber \| < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	Month 1	Month 2	Month 3	Avg/Mo

Occupational & Profile Check Profile check skipped ⚠ Verify before relying

Employer · PT Bank Jtrust Confidence: Unknown

Profile	Profile-check LLM call failed: Error code: 402 - {'error': {'message': 'Insufficient credits. Add more using https://openrouter.ai/settings/credits', 'code': 402}}
Industry	—
Industry risk for credit	—
Headquartered in	—
Employee count band	—
Company vintage	—
Stability signals	—
Sources known to model	—

Applicant · Andri Indrawan Confidence: Unknown

Found in training data	No
LinkedIn signals	—
Google signals	—
Estimated seniority	—
Tenure observation	—
Declared income (IDR/mo)	Rp 0
Expected range for role	—
Plausibility verdict	—
Comment	—

Policy Implications (high-confidence only)

Category	Severity	Note
No high-confidence policy implications.

Disclaimer: Profile-check agent FAILED (Error code: 402 - {'error': {'message': 'Insufficient credits. Add more using https://openrouter.ai/settings/credits', 'code': 402}}). No training-data or live-search synthesis is available — manual research required.

Risk Factors

Category	Severity	Description
Application	High	Risk agent failed to produce an assessment: Error code: 402 - {'error': {'message': 'Insufficient credits. Add more using https://openrouter.ai/settings/credits', 'code': 402}}. Re-run the analysis or escalate.

Executive Summary

Risk assessment could not be generated automatically. Underlying error: Error code: 402 - {'error': {'message': 'Insufficient credits. Add more using https://openrouter.ai/settings/credits', 'code': 402}}. Analyst review required.

Interview Question Bank (0 questions)

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-12T03:33:12.091209