📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 10 May 2026, 08:09 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 77,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=129.2%, FOIR=46.0%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KABUPATEN BOGOR, JAWA BARAT	✓ Pass
Minimum Education	≥ Senior High School (SMA)	D3	✓ 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	4 years	✓ Pass
Total Work Experience	≥ 3 years	10 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 12,400,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 77,000,000	Rp 0
Bureau (AFPI + CLIK)	Rp 844,744,266	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 5,700,000

AFPI Bureau Analysis 43 loans · Rp 137.401.302 outstanding · 5 Pinjol(s)

Collectibility × Loan Status (Count)

	L	O
DPD 0	38	—
DPD 1-30	—	3
DPD 61-90	—	1
DPD 90+	—	1

Collectibility × Loan Status (Outstanding Loan Value)

	L	O
DPD 0	Rp 0	—
DPD 1-30	—	Rp 33.216.667
DPD 61-90	—	Rp 12.498.000
DPD 90+	—	Rp 91.686.635

Year × Loan Status (Count)

	L	O
2023	28	—
2024	7	—
2025	3	5

Year × Collectibility Status (Count)

	DPD 0	DPD 1-30	DPD 61-90	DPD 90+
2023	28	—	—	—
2024	7	—	—	—
2025	3	3	1	1

CLIK Bureau Analysis 52 loans · Rp 707.342.964 debit balance · DPD mean 0.15, max 8.0 days

Secured: 3 loans, Rp 371.074.010 · Unsecured: 49 loans, Rp 336.268.954 · Total disbursed (Initial Credit Limit): Rp 1.205.022.283

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	129.21%	Amber	≤ 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	45.97%	Amber	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	567.70%	Red	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	5.68x	Red	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 1,700,000	Red	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	120.50%	Green	≥ 90% Green | 75-90% Amber | < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	Month 1	Month 2	Month 3	Avg/Mo
Salary	Rp 15,631,924	Rp 16,001,777	Rp 13,200,716	Rp 14,944,806
Loan Payment	Rp -5,700,000	Rp -5,700,000	Rp -5,700,000	Rp -5,700,000
Z Pegadaian	Rp 0	Rp 0	Rp 7,195,605	Rp 2,398,535
Miscellaneous - Arisan	Rp -500,000	Rp -500,000	Rp -500,000	Rp -500,000
Groceries	Rp 0	Rp -38,000	Rp -175,000	Rp -71,000
Bank Charges	Rp -17,000	Rp -17,000	Rp -17,000	Rp -17,000

Occupational & Profile Check LLM knowledge estimate · no live web evidence ⚠ Verify before relying

Employer · HBT Law Firm  Confidence: Unknown

Profile	Unknown - no information available about this specific Indonesian law firm in training data.
Industry	Unknown
Industry risk for credit	Unknown
Headquartered in	Unknown
Employee count band	Unknown
Company vintage	Unknown years
Stability signals	Unknown
Sources known to model	—

Applicant · Evi Meiwatiningsih  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Junior
Tenure observation	4+ years tenure as Admin Assistant appears reasonable for career progression
Declared income (IDR/mo)	Rp 12,400,000
Expected range for role	Cannot estimate without knowing firm size and location specifics
Plausibility verdict	Cannot assess
Comment	IDR 12.4M seems high for typical admin assistant role, but law firms may pay premiums and applicant has 10+ years total experience

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	Medium	Declared income appears elevated for stated role and requires verification

Disclaimer: No information available about HBT Law Firm or applicant in training data. All employer details require verification through official channels.

Risk Factors

Category	Severity	Description
Bureau	High	Severely delinquent Danabijak loan (IDR 91.7M, 97 DPD) and multiple paylater loans in early delinquency
Bureau	High	Massive debt burden of IDR 844.7M total outstanding vs IDR 77M declared - 997% underdeclaration
Bureau	High	DTI ratio of 567.7% and income multiplier of 5.68x indicating severe over-leverage
Application	High	Fraudulent application - customer declared zero EMI despite IDR 5.7M monthly loan payments visible in bank statements
Banking	Medium	Pegadaian (pawnshop) transaction of IDR 7.2M suggests asset liquidation under financial stress
Income	Medium	Income of IDR 12.4M appears elevated for Admin Assistant role and requires verification

Executive Summary

DECLINE RECOMMENDED. This application presents multiple critical red flags including severe delinquency on a IDR 91.7M loan (97 DPD), fraudulent debt declaration (997% underdeclaration), and unsustainable debt levels (567% DTI). The customer is already in financial distress with multiple paylater loans in delinquency and evidence of asset liquidation via pawnshop. The debt consolidation would not address the underlying behavioral issues and poses extreme reputational and collection risk.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at Harapan Jaya, Cibinong, and how long have you lived there?
   Why: Address verification and stability assessment
2. You mentioned having 1 dependent - can you tell me about your family situation and who depends on your income?
   Why: Verify dependent count and understand expense obligations
3. Can you provide details about HBT Law Firm - what type of legal services do they provide and how many employees work there?
   Why: Employer verification as no information available about this firm

Income

1. Your salary of IDR 12.4M seems quite high for an Admin Assistant role. Can you explain your specific responsibilities and why the compensation is at this level?
   Why: Income verification as amount appears elevated for stated role
2. Your salary varies from IDR 13.2M to IDR 16M across recent months. Is there a bonus component or overtime that causes this variation?
   Why: Understand income stability and composition

Debt Background

1. You declared IDR 77M in debt, but our bureau check shows over IDR 844M total outstanding. Can you explain this massive discrepancy?
   Why: Address fraudulent debt declaration - 997% underdeclaration
2. You have a severely delinquent Danabijak loan of IDR 91.7M that's 97 days overdue. What happened with this loan and why haven't you been paying?
   Why: Understand reason for severe delinquency and current financial stress
3. You declared zero monthly EMI, but your bank statements show IDR 5.7M in monthly loan payments. Why did you not disclose these existing payments?
   Why: Address fraudulent EMI declaration
4. You have multiple paylater loans from Gopay, Julo, and Indodana all showing early delinquency. What caused you to fall behind on all these payments simultaneously?
   Why: Understand pattern of delinquency and current financial situation

Expense Validation

1. We see a IDR 7.2M transaction to Pegadaian (pawnshop) in your recent bank statements. What did you pawn and why?
   Why: Understand asset liquidation indicating financial distress
2. You have regular IDR 500K monthly arisan payments. Can you explain what this arisan is for and if it's mandatory?
   Why: Validate recurring expense and assess if it can be stopped if needed

Future Plans

1. With your current debt burden of over IDR 844M, how do you realistically plan to service a new consolidation loan on top of existing obligations?
   Why: Assess repayment capacity and realistic planning
2. Do you have any assets, side income, or expected lump sum payments that could help with debt repayment that you haven't mentioned?
   Why: Identify additional repayment sources or collateral capacity
3. If we were to approve this consolidation, what specific steps would you take to ensure you don't accumulate more debt and fall into the same situation again?
   Why: Assess re-leveraging risk and behavioral change commitment

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-10T08:09:15.087474