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📋 Credit Summary — Pre-Interview Brief
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\n Mochamad Ilham · KTP: 3326120601760002 ·\n Generated: 12 May 2026, 05:42 WIB\n
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Recommendation
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Approved
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\n Risk: Very High ·\n Internal Score: 250/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: vdf
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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 130,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=44.3%, FOIR=87.0% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA JAKARTA UTARA, DKI JAKARTA | \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 38,500,000 | \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 900,000,000 | \n Rp 33,500,000 |
\n | Bureau (AFPI + CLIK) | \n Rp 39,952,761 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
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AFPI Bureau Analysis\n \n 292 loans ·\n Rp 39.952.761 outstanding ·\n 9 Pinjol(s)\n \n
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Loans by Pinjol (top 15 by outstanding)
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\n | Pinjol | Loans | Outstanding |
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\n | 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 |
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Loan Status Count
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Collectibility Status Count
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| Bucket | Count |
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| DPD 0 | 162 |
| DPD 1-30 | 119 |
| DPD 90+ | 11 |
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Collectibility × Loan Status (Count)
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| L | F | W |
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| DPD 0 | 162 | — | — |
| DPD 1-30 | 119 | — | — |
| DPD 90+ | — | 2 | 9 |
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Collectibility × Loan Status (Outstanding Loan Value)
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| L | F | W |
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| DPD 0 | Rp 0 | — | — |
| DPD 1-30 | Rp 0 | — | — |
| DPD 90+ | — | Rp 11.449.999 | Rp 28.502.762 |
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Year × Loan Status (Count)
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| L | F | W |
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| 2018 | 10 | — | — |
| 2019 | 19 | — | — |
| 2020 | 28 | — | — |
| 2021 | 76 | — | — |
| 2022 | 84 | 2 | 9 |
| 2023 | 64 | — | — |
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Year × Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 90+ |
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| 2018 | 10 | — | — |
| 2019 | 12 | 7 | — |
| 2020 | 13 | 15 | — |
| 2021 | 56 | 20 | — |
| 2022 | 46 | 38 | 11 |
| 2023 | 25 | 39 | — |
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CLIK Bureau Analysis\n \n 19 loans ·\n Rp 0 debit balance ·\n DPD mean 0.0, max 0.0 days\n \n
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\n Secured: 9 loans, Rp 0 ·\n Unsecured: 10 loans, Rp 0 ·\n Total disbursed (Initial Credit Limit): Rp 0\n
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CLIK — Combined (secured + unsecured)
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Unknown | Rp 0 |
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Contract Phase Count
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Debit Balance per Contract Type Code
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Unknown | Rp 0 |
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CLIK — Secured
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Unknown | Rp 0 |
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Contract Phase Count
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Debit Balance per Contract Type Code
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Unknown | Rp 0 |
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CLIK — Unsecured
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Unknown | Rp 0 |
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Contract Phase Count
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Debit Balance per Contract Type Code
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Unknown | Rp 0 |
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Credit Ratios
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\n | Metric | Value | Band | Benchmark |
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\n \n | TOIR (Post-Consolidation Affordability) PRIMARY | \n 44.26% | \n Green | \n ≤ 100% Green | 100-130% Amber | > 130% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) — (FLIN EMI + secured EMI + expenses + rent) / declared income |
\n | FOIR (Fixed Obligations / Income) PRIMARY | \n 87.01% | \n Red | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 194.81% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 1.95x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp -10,000,000 | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n N/A | \n Red | \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 | 04/2026 | 11/2026 | 12/2026 | Avg/Mo |
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\n \n | Cash Withdrawal | \n Rp -2,000,000 | \n Rp -2,000,000 | \n Rp -1,700,000 | \n Rp -11,000,000 |
\n | Miscellaneous | \n Rp 198,757 | \n Rp 14,894,778 | \n Rp -2,791,685 | \n Rp 1,115,968 |
\n | Cash Deposit | \n Rp 1,000,000 | \n Rp 0 | \n Rp 0 | \n Rp 1,000,000 |
\n | Bank Charges | \n Rp -16,399 | \n Rp -22,000 | \n Rp -22,000 | \n Rp -128,914 |
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Occupational & Profile Check\n \n LLM knowledge estimate · no live web evidence\n ⚠ Verify before relying\n
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\n Employer · PT. Indomarco Prismatama\n Confidence: High\n
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\n | 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 |
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\n Applicant · Mochamad Ilham\n Confidence: Medium\n
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\n | 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 |
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Policy Implications (high-confidence only)
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\n | Category | Severity | Note |
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\n | Income sanity | Medium | Declared income 38.5M IDR appears high for logistics manager role at this company level |
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\n Disclaimer: Assessment based on training data only without live verification\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n 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 | \n High | \n Maximum DPD of 738 days demonstrates extreme payment delinquency history |
| Income | \n Medium | \n Declared income of IDR 38.5M significantly exceeds expected range of IDR 15-30M for Logistics Manager role at PT Indomarco Prismatama |
| Application | \n High | \n Massive discrepancy between declared outstanding debt (IDR 900M) vs bureau records (IDR 40M) - potential hiding of IDR 860M in obligations |
| Banking | \n High | \n No salary credits detected in bank statements despite claiming IDR 38.5M monthly income - complete income verification failure |
| Application | \n High | \n Negative residual income of IDR -10M monthly indicates severe cash flow stress and inability to service existing obligations |
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Executive Summary
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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.
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Interview Question Bank (12 questions)
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Verification
- \n 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?\n
Why: Verify expensive Jakarta address matches financial profile and housing ownership claim\n - \n You mentioned having 3 dependents. Can you tell me about your family composition - spouse's employment status and children's ages?\n
Why: Validate dependency claims and understand household financial obligations\n - \n As Logistics Manager at PT Indomarco Prismatama, what are your specific responsibilities and which distribution centers do you oversee?\n
Why: Verify employment details and assess if role justifies claimed IDR 38.5M salary\n
Income
- \n 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?\n
Why: Income appears 25-50% above market rate for this role - need detailed breakdown and payment schedule\n - \n 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?\n
Why: Critical gap - no salary evidence in banking records despite high income claim\n
Debt Background
- \n 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?\n
Why: Massive IDR 860M gap between declared vs bureau debt - potential hiding of obligations\n - \n 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?\n
Why: Address wilful default status and understand circumstances behind multiple write-offs\n - \n Why do you want to consolidate your debts now, and how will consolidation prevent you from taking additional loans in the future?\n
Why: Assess consolidation motivation and re-leveraging risk given past paylater addiction pattern\n
Expense Validation
- \n 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?\n
Why: Validate if expense estimate is realistic for family size and Jakarta location\n - \n 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?\n
Why: Understand cash usage pattern and potential undisclosed expenses\n
Future Plans
- \n Do you have any assets, investments, or expected lump-sum payments (bonus, inheritance, property sale) that could help with debt repayment?\n
Why: Assess additional repayment capacity beyond regular income\n - \n 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?\n
Why: Critical assessment of repayment feasibility given severe cash flow deficit\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: 2026-05-12T05:42:26.771671\n
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