📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 10 May 2026, 08:25 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	Legal Services
Industry risk for credit	Medium
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 aligns with stated role level
Declared income (IDR/mo)	Rp 12,400,000
Expected range for role	4-8 million IDR/month for admin assistant role in Bogor area
Plausibility verdict	Above range
Comment	Declared income appears high for admin assistant position in Kabupaten Bogor

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	Medium	Declared income significantly exceeds typical range for admin assistant role in the region

Disclaimer: Assessment based on limited training data only - comprehensive verification required for Indonesian SME law firm and income validation

Risk Factors

Category	Severity	Description
Bureau	High	Massive debt exposure IDR 844.7M vs declared IDR 77M - 767M underdeclared (996% gap). Multiple active paylater loans with DPD 90+ status including Danabijak IDR 91.7M
Bureau	High	5 current delinquent accounts with max DPD ever 97 days. Active defaults across multiple fintech lenders
Application	High	Severe misrepresentation - customer declared only IDR 77M debt but bureau shows IDR 844.7M total exposure across 57 active trades
Income	Medium	Declared income IDR 12.4M appears inflated for Admin Assistant role in Kabupaten Bogor (expected range IDR 4-8M)
Banking	Medium	Unexplained Pegadaian transaction IDR 7.2M suggests pawning assets, indicating financial distress

Executive Summary

DECLINE RECOMMENDED. This applicant presents extreme credit risk with massive debt concealment (IDR 767M underdeclared), active defaults across multiple lenders, and likely income inflation. The debt-to-income ratio of 567% and current delinquencies including DPD 90+ status make this unsuitable for debt consolidation. The customer appears to be in severe financial distress as evidenced by pawning behavior and cannot service existing obligations.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at Harapan Jaya, Cibinong, Kabupaten Bogor and how long you've 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 financial obligations
3. How long have you been working as Admin Assistant at HBT Law Firm, and what are your main responsibilities?
   Why: Employment verification and role validation given high declared income
4. Do you have any side income, business activities, or other sources of money beyond your admin assistant salary?
   Why: Verify if high declared income includes unreported sources

Income

1. Your declared monthly salary is IDR 12.4 million - can you break this down including base salary, allowances, and any bonuses?
   Why: Income appears high for admin assistant role in Bogor area - need detailed breakdown
2. Are there any delays in salary payments from HBT Law Firm, and do you receive regular bonuses or 13th month salary?
   Why: Assess income stability and timing for debt service planning

Debt Background

1. You declared IDR 77 million in debt, but our records show significantly higher exposure. Can you list ALL your current loans including amounts and monthly payments?
   Why: Address massive 767M debt concealment - critical for honesty assessment
2. We see you have loans with Danabijak, Julo, Gopay, and Indodana that are currently overdue. What happened with these payments?
   Why: Understand reason for current delinquencies and payment capacity
3. What led you to take multiple paylater loans totaling over IDR 137 million in the past year?
   Why: Understand debt accumulation pattern and financial management

Expense Validation

1. Your declared monthly expenses are IDR 5 million - can you break this down by category (food, utilities, transportation, family support)?
   Why: Validate expense estimates for affordability calculation
2. We noticed regular IDR 500K arisan payments in your bank account - is this ongoing and are there other regular commitments not mentioned?
   Why: Identify additional fixed obligations affecting cash flow

Future Plans

1. We see a IDR 7.2 million Pegadaian transaction - did you pawn any items recently and why?
   Why: Understand if pawning indicates financial distress or available collateral
2. If we consolidate your loans, how will you ensure you don't take additional debt and can you commit to not using paylater apps?
   Why: Assess re-leveraging risk given history of multiple fintech borrowing
3. Given your current debt situation, do you have any assets, savings, or expected lump sum (bonus, inheritance) that could help with repayment?
   Why: Assess additional repayment capacity beyond monthly income

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-10T08:25:24.448995