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📋 Credit Summary — Pre-Interview Brief
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\n Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·\n Generated: 05 May 2026, 06:04 WIB\n
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Recommendation
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Approved
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\n Risk: Medium ·\n Internal Score: 650/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: ygugy
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Applicant Profile
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Eligibility Check (10 Hard Rules)
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\n | Rule | Required | Actual | Status |
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\n \n | Loan Amount Band | > IDR 20 million | \n IDR 77,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=86.3%, FOIR=46.0% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KABUPATEN BOGOR, JAWA BARAT | \n ✓ Pass |
\n | Minimum Education | ≥ Senior High School (SMA) | \n D3 | \n ✓ Pass |
\n | Employer Type | State-Owned / Government / Private | \n SWASTA | \n ✓ Pass |
\n | Employment Contract | Permanent / Karyawan Tetap | \n KARYAWAN TETAP | \n ✓ Pass |
\n | Employer in business > 5 years | > 5 years | \n Manual verification required | \n ◎ Manual |
\n | Tenure in Current Company | ≥ 1 year | \n 4 years | \n ✓ Pass |
\n | Total Work Experience | ≥ 3 years | \n 10 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 12,400,000 | \n ✓ Pass |
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Income & Loan Request
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Loan Reconciliation (Customer / Bureau / Bank)
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\n | Source | Outstanding | Monthly EMI |
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\n \n | Customer Declared | \n Rp 77,000,000 | \n Rp 0 |
\n | Bureau (AFPI + SLIK) | \n Rp 101,763,769 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 5,700,000 |
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\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 77,000,000 but bureau shows\n Rp 101,763,769 —\n gap of Rp 24,763,769. Probe in interview.\n
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Credit Ratios
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\n | Metric | Value | Band | Benchmark |
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\n \n | TOIR (Total Outflows / Income) PRIMARY | \n 86.29% | \n Green | \n ≤ 100% Green | 100-130% Amber | > 130% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | FOIR (Fixed Obligations / Income) PRIMARY | \n 45.97% | \n Amber | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 68.39% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.68x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n 1700000.0IDR | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 120.5% | \n Green | \n ≥ 90% Green | 75-90% Amber | < 75% Red |
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Bank Statement Category Pivot (Top 12 by Volume)
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\n | Category | Month 1 | Month 2 | Month 3 | Avg/Mo |
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\n \n | Salary | \n Rp 15,631,924 | \n Rp 16,001,777 | \n Rp 13,200,716 | \n Rp 14,944,806 |
\n | Loan Payment | \n Rp -5,700,000 | \n Rp -5,700,000 | \n Rp -5,700,000 | \n Rp -5,700,000 |
\n | Z Pegadaian | \n Rp 0 | \n Rp 0 | \n Rp 7,195,605 | \n Rp 2,398,535 |
\n | Miscellaneous - Arisan | \n Rp -500,000 | \n Rp -500,000 | \n Rp -500,000 | \n Rp -500,000 |
\n | Groceries | \n Rp 0 | \n Rp -38,000 | \n Rp -175,000 | \n Rp -71,000 |
\n | Bank Charges | \n Rp -17,000 | \n Rp -17,000 | \n Rp -17,000 | \n Rp -17,000 |
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Risk Factors
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\n | Category | Severity | Description |
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\n | Application | \n High | \n Customer significantly underdeclared debt obligations - declared IDR 77M vs bureau-confirmed IDR 101.8M (24.8M gap). This indicates either poor financial awareness or intentional misrepresentation. |
| Bureau | \n Medium | \n High credit utilization across 13 active facilities from 9 different lenders, indicating potential overextension. One BRI facility currently 4 days past due. |
| Banking | \n Medium | \n Pegadaian transaction of IDR 7.2M in month 3 suggests potential pawning of assets, indicating cash flow stress or emergency funding needs. |
| Income | \n Low | \n Bank-detected income (IDR 14.9M) exceeds declared income (IDR 12.4M) by 20.5%, suggesting conservative declaration or potential bonus/overtime income not disclosed. |
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Executive Summary
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46-year-old married admin assistant with 4+ years tenure seeking debt consolidation. Major concern is significant debt underdeclaration (IDR 24.8M gap) across 13 active facilities. While employment appears stable and income verification is positive, the high credit utilization, recent pawning activity, and current delinquency on BRI facility indicate financial stress. Recommend conditional approval with enhanced monitoring and verification requirements.
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Interview Question Bank (13 questions)
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Verification
- \n Can you confirm your current residential address in Harapan Jaya, Cibinong? How long have you lived there and do you own or rent this property?\n
Why: Verify address stability and housing ownership as declared\n - \n You mentioned having 1 dependent. Can you tell me about your family composition - spouse's employment status and your dependent's age?\n
Why: Verify family financial obligations and potential additional income sources\n - \n How long has HBT Law Firm been in operation, and can you describe your role and responsibilities as Admin Assistant?\n
Why: Verify employer stability and job security as this requires manual verification per eligibility rules\n - \n Your bank statements show salary variations between IDR 13.2M to IDR 16M. Can you explain this difference and confirm your base salary structure?\n
Why: Understand income composition and verify sustainability of higher detected income\n
Debt Background
- \n You declared IDR 77M in debt, but our bureau check shows IDR 101.8M across 13 lenders. Can you explain this difference and provide updated statements for all facilities?\n
Why: Address critical debt underdeclaration gap and assess honesty/financial awareness\n - \n How did you accumulate debt across so many different lenders (Jago, BCA, Seabank, Shopee, Gopay, etc.)? What was the original purpose of these loans?\n
Why: Understand debt accumulation pattern and assess re-leveraging risk\n - \n Your BRI facility shows 4 days past due. What caused this delay and how do you plan to prevent future delays?\n
Why: Assess payment discipline and cash flow management\n
Income
- \n Do you receive any bonuses, overtime pay, or 13th month salary at HBT Law Firm? If yes, how much and how frequently?\n
Why: Explain income variations observed in bank statements\n
Expense Validation
- \n You declared IDR 5M monthly expenses. Can you break this down - household expenses, utilities, family support, transportation, etc.?\n
Why: Validate expense declaration and assess residual income accuracy\n - \n We see regular IDR 500K 'Arisan' payments in your account. Can you explain what this is for and if it's mandatory?\n
Why: Understand fixed social obligations that may impact cash flow\n
Future Plans
- \n There's a IDR 7.2M Pegadaian transaction in your recent statements. What did you pawn and why? Do you plan to redeem it?\n
Why: Assess asset pawning reasons and potential collateral capacity\n - \n After consolidation, how will you ensure you don't take additional loans? What's your plan to avoid re-leveraging?\n
Why: Assess commitment to debt discipline and re-leveraging risk\n - \n Do you have any emergency funds, investments, or potential lump-sum income (bonus, inheritance, asset sale) that could help with debt repayment?\n
Why: Assess additional repayment capacity and financial cushion\n
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\n System-generated pre-interview brief. All figures subject to verification.\n Final decision rests with the credit officer.\n Generated: 2026-05-05T06:04:32.780704\n
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