📋 Credit Summary — Pre-Interview Brief
Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·
Generated: 05 May 2026, 16:45 WIB
Recommendation
Approved
Risk: Medium ·
Internal Score: 650/100 ·
Eligibility: PROCEED_WITH_CHECKS
Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: fdcd
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=86.3%, 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 + SLIK) |
Rp 101,763,769 |
Rp 0 |
| Bank Statement (avg/mo loan payments) |
— |
Rp 5,700,000 |
⚠️ Customer underdeclared debt:
Customer declared Rp 77,000,000 but bureau shows
Rp 101,763,769 —
gap of Rp 24,763,769. Probe in interview.
Credit Ratios
| Metric | Value | Band | Benchmark |
|---|
| TOIR (Total Outflows / Income) PRIMARY |
86.29% |
Green |
≤ 100% Green | 100-130% Amber | > 130% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
| 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) |
68.39% |
Green |
< 300% Green | 300-500% Amber | > 500% Red |
| Total Debt / Annual Income |
0.68x |
Green |
< 3x Green | 3-5x Amber | > 5x Red |
| Residual Monthly Income (post all outflows) |
1700000.0IDR |
Red |
> IDR 5M Green | 2-5M Amber | < 2M Red |
| Bank-detected vs Declared Income |
120.5% |
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: Low
| Profile | A private law firm located in Indonesia. Specific details about the firm are not confidently known. |
| 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: Medium
| Found in training data | No |
| LinkedIn signals | None |
| Google signals | None known |
| Estimated seniority | Junior |
| Tenure observation | Stated 4+ years tenure as Admin Assistant aligns with role |
| Declared income (IDR/mo) | Rp 12,400,000 |
| Expected range for role | 8-12 mio IDR/month for an administrative role in a law firm |
| Plausibility verdict | Plausible |
| Comment | Income is at the upper end of expected range for admin role |
Policy Implications (high-confidence only)
| Category | Severity | Note |
|---|
| Income sanity | Low | Declared income appears reasonable for role and experience |
Disclaimer: Assessment based on limited training data, verification recommended
Risk Factors
| Category | Severity | Description |
|---|
| Bureau |
High |
Significant debt underdeclaration - customer declared IDR 77M but bureau shows IDR 101.8M outstanding (24.8M gap). Currently has 13 active credit facilities indicating potential overextension. |
| Bureau |
Medium |
One facility with BRI showing 4 days past due, indicating recent payment stress despite overall current status. |
| Banking |
Medium |
Low residual income of IDR 1.7M monthly after all obligations, leaving minimal buffer for financial stress. |
| Application |
Medium |
Declared monthly EMI as zero despite having IDR 101.8M outstanding debt, suggesting lack of transparency or awareness of true obligations. |
| Banking |
Low |
Unexplained Pegadaian transaction of IDR 7.2M in month 3, potentially indicating pawn shop activity or emergency funding needs. |
Executive Summary
46-year-old married admin assistant with 4+ years tenure seeking debt consolidation. Major concern is significant debt underdeclaration (IDR 24.8M gap) and having 13 active facilities totaling IDR 101.8M. While employment appears stable and income ratios pass gates, the low residual income (IDR 1.7M) and recent BRI delinquency indicate financial stress. Bank statements show consistent salary but unexplained Pegadaian activity. Recommend conditional approval with enhanced monitoring and mandatory verification of all obligations.
Interview Question Bank (14 questions)
Verification
-
Can you confirm your current residential address at Harapan Jaya, Cibinong? How long have you lived there and do you own or rent this property?
Why: Verify address stability and housing ownership status as declared
-
You mentioned having 1 dependent. Can you tell me about your family composition - who lives with you and their ages?
Why: Verify dependent count and understand household expense obligations
-
Please confirm your employment details at HBT Law Firm - your exact job title, daily responsibilities, and direct supervisor's name?
Why: Verify employment details and assess job stability at the law firm
-
What is your current monthly take-home salary after deductions, and when do you typically receive it each month?
Why: Verify declared income of IDR 12.4M and payment timing consistency
Debt Background
-
You declared IDR 77M in debt, but our records show you may have additional loans totaling over IDR 100M. Can you list ALL your current loans including amounts and monthly payments?
Why: Address the significant debt underdeclaration gap of IDR 24.8M
-
What led you to accumulate loans from 13 different lenders? Was this gradual over time or due to specific circumstances?
Why: Understand debt accumulation pattern and assess re-leveraging risk
-
Why do you want to consolidate your debts now? What has changed in your financial situation recently?
Why: Assess motivation for consolidation and current financial stress level
Income
-
Have you experienced any salary delays or reductions at HBT Law Firm in the past year? How stable is the law firm's business?
Why: Assess income stability and employer financial health
-
Do you receive any bonuses, overtime pay, or have any side income sources beyond your IDR 12.4M monthly salary?
Why: Identify additional income sources that could support debt service
Expense Validation
-
You declared IDR 5M monthly expenses. Can you break this down - how much for food, utilities, transportation, and family needs?
Why: Validate declared expenses against residual income calculation
-
I see regular IDR 500K monthly payments for 'Arisan' in your bank account. What is this for and is it mandatory?
Why: Understand recurring expense commitment and flexibility
Future Plans
-
There's a IDR 7.2M transaction from Pegadaian in your recent bank statement. What was this for and do you have any pawned items?
Why: Clarify unexplained large transaction and assess additional collateral or financial stress
-
After consolidation, how will you ensure you don't take additional loans? What's your plan to avoid re-leveraging?
Why: Assess commitment to debt discipline and re-leveraging risk
-
Do you have any emergency savings, investments, or assets that could help with loan payments if needed?
Why: Assess financial buffer and lump-sum payment capacity
System-generated pre-interview brief. All figures subject to verification.
Final decision rests with the credit officer.
Generated: 2026-05-05T16:45:17.808237