📋 Credit Summary — Pre-Interview Brief

Yuni Arriyani · KTP: 3216094606800029 · Generated: 12 May 2026, 03:30 WIB

Recommendation

Approved

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

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

⚠ 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}}

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

Applicant Profile

Full Name

Yuni Arriyani

Age / DOB

None · Jun 6th 1980

KTP / Mobile

3216094606800029
0817-326-680

Education

Marital · Dependents

Kawin · 2.0

Job · Employer

HR Manager
Selatox Bio Pharma

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 250,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=50.0%, FOIR=71.4%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KABUPATEN BEKASI, JAWA BARAT	✓ 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	0 years	✗ Fail
Total Work Experience	≥ 3 years	10 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 28,000,000	✓ Pass

Income & Loan Request

Declared Income/mo

Rp 28,000,000

Bank-Detected/mo

Rp 0

Declared Expenses/mo

Rp 10,000,000

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 250,000,000	Rp 20,000,000
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	50.02%	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	71.43%	Red	< 40% Green \| 40-60% Amber \| > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	74.40%	Green	< 300% Green \| 300-500% Amber \| > 500% Red
Total Debt / Annual Income	0.74x	Green	< 3x Green \| 3-5x Amber \| > 5x Red
Residual Monthly Income (post all outflows)	Rp 10,000,000	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	02/2026	03/2026	04/2026	Avg/Mo
Miscellaneous	Rp 39,000	Rp -38,500	Rp -388,770	Rp -129,423
Bank Charges	Rp -19,000	Rp -21,500	Rp -19,000	Rp -19,833

Occupational & Profile Check Section did not run for this application

The profile-check agent did not produce output. This usually means the application was fast-tracked to decline before the synthesis stage, or the agent failed silently (check pipeline logs for 'profile_check' entries).

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: 2026-05-12T03:30:30.423866