📋 Credit Summary — Pre-Interview Brief

Mochamad Ilham · KTP: 3326120601760002 · Generated: 12 May 2026, 05:42 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 130,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=44.3%, FOIR=87.0%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA JAKARTA UTARA, DKI JAKARTA	✓ 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 38,500,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 900,000,000	Rp 33,500,000
Bureau (AFPI + CLIK)	Rp 39,952,761	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

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

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 19 loans · Rp 0 debit balance · DPD mean 0.0, max 0.0 days

Secured: 9 loans, Rp 0 · Unsecured: 10 loans, Rp 0 · Total disbursed (Initial Credit Limit): Rp 0

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	44.26%	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	87.01%	Red	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	194.81%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	1.95x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp -10,000,000	Red	> 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	04/2026	11/2026	12/2026	Avg/Mo
Cash Withdrawal	Rp -2,000,000	Rp -2,000,000	Rp -1,700,000	Rp -11,000,000
Miscellaneous	Rp 198,757	Rp 14,894,778	Rp -2,791,685	Rp 1,115,968
Cash Deposit	Rp 1,000,000	Rp 0	Rp 0	Rp 1,000,000
Bank Charges	Rp -16,399	Rp -22,000	Rp -22,000	Rp -128,914

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

Employer · PT. Indomarco Prismatama  Confidence: High

Profile	Major Indonesian retail distribution company, part of the Indomaret Group, one of Indonesia's largest convenience store chains with extensive nationwide operations.
Industry	Retail
Industry risk for credit	Low
Headquartered in	Jakarta, Indonesia
Employee count band	10k+
Company vintage	25 years
Stability signals	None known - established retail leader with consistent growth
Sources known to model	training: public corporate information, financial reports

Applicant · Mochamad Ilham  Confidence: Medium

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Mid
Tenure observation	4+ years tenure as Logistics Manager aligns with mid-level management role progression
Declared income (IDR/mo)	Rp 38,500,000
Expected range for role	15-30 mio IDR/month for logistics manager at major retail company in Jakarta
Plausibility verdict	Above range
Comment	Declared income significantly exceeds typical range for this role and company tier

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	Medium	Declared income 38.5M IDR appears high for logistics manager role at this company level

Disclaimer: Assessment based on training data only without live verification

Risk Factors

Category	Severity	Description
Bureau	High	Wilful default status with 9 write-offs totaling IDR 39.95M across multiple paylater providers (Easy Cash, Kredito, Adapundi, etc.) indicating serious repayment discipline issues
Bureau	High	Maximum DPD of 738 days demonstrates extreme payment delinquency history
Income	Medium	Declared income of IDR 38.5M significantly exceeds expected range of IDR 15-30M for Logistics Manager role at PT Indomarco Prismatama
Application	High	Massive discrepancy between declared outstanding debt (IDR 900M) vs bureau records (IDR 40M) - potential hiding of IDR 860M in obligations
Banking	High	No salary credits detected in bank statements despite claiming IDR 38.5M monthly income - complete income verification failure
Application	High	Negative residual income of IDR -10M monthly indicates severe cash flow stress and inability to service existing obligations

Executive Summary

STRONG DECLINE RECOMMENDATION. This applicant presents multiple severe red flags including wilful default status, 9 write-offs totaling IDR 40M, extreme payment delinquencies (738 DPD max), massive debt disclosure gaps (IDR 860M unaccounted), inflated income claims unsupported by bank records, and negative cash flow. The combination of proven payment defaults, potential fraud indicators, and financial stress makes this an unacceptable credit risk for debt consolidation.

Interview Question Bank (12 questions)

Verification

1. Can you confirm your current residential address at Mediterania Marina Residence Ancol, Tower B unit 1219? How long have you lived there and do you own or rent this property?
   Why: Verify expensive Jakarta address matches financial profile and housing ownership claim
2. You mentioned having 3 dependents. Can you tell me about your family composition - spouse's employment status and children's ages?
   Why: Validate dependency claims and understand household financial obligations
3. As Logistics Manager at PT Indomarco Prismatama, what are your specific responsibilities and which distribution centers do you oversee?
   Why: Verify employment details and assess if role justifies claimed IDR 38.5M salary

Income

1. Your declared monthly salary is IDR 38.5 million. Can you break this down - base salary, allowances, bonuses? When do you typically receive salary payments each month?
   Why: Income appears 25-50% above market rate for this role - need detailed breakdown and payment schedule
2. We don't see regular salary credits in your bank statement. Which bank account do you primarily use for salary deposits and why isn't it showing in the provided statement?
   Why: Critical gap - no salary evidence in banking records despite high income claim

Debt Background

1. You declared IDR 900 million in total debt, but our bureau check shows much lower amounts. Can you provide a complete list of all your current loans with lender names, outstanding amounts, and monthly payments?
   Why: Massive IDR 860M gap between declared vs bureau debt - potential hiding of obligations
2. Our records show you have 9 written-off loans totaling IDR 40 million with companies like Easy Cash, Kredito, and Adapundi from 2022. What happened during that period that caused these defaults?
   Why: Address wilful default status and understand circumstances behind multiple write-offs
3. Why do you want to consolidate your debts now, and how will consolidation prevent you from taking additional loans in the future?
   Why: Assess consolidation motivation and re-leveraging risk given past paylater addiction pattern

Expense Validation

1. With monthly expenses of IDR 15 million for a family of 4-5 people in Jakarta, can you break down your major expense categories - housing, food, education, transportation?
   Why: Validate if expense estimate is realistic for family size and Jakarta location
2. Your bank statement shows significant cash withdrawals (IDR 5.7M over 3 months). What do you primarily use cash for and why such large amounts?
   Why: Understand cash usage pattern and potential undisclosed expenses

Future Plans

1. Do you have any assets, investments, or expected lump-sum payments (bonus, inheritance, property sale) that could help with debt repayment?
   Why: Assess additional repayment capacity beyond regular income
2. Given your current financial situation shows negative cash flow of IDR 10 million monthly, how do you plan to meet the consolidated loan payments while covering your family's living expenses?
   Why: Critical assessment of repayment feasibility given severe cash flow deficit

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-12T05:42:26.771671