📋 Credit Summary — Pre-Interview Brief
Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·
Generated: 05 May 2026, 16:21 WIB
Recommendation
Approved
Risk: Pending ·
Internal Score: 0/100 ·
Eligibility: PROCEED_WITH_CHECKS
Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: cdc
⚠ Agent failures detected — sections below may be incomplete
- Risk & Interview Agent: Error code: 401 - {'error': {'message': 'User not found.', 'code': 401}}
- Occupational & Profile Check Agent: Error code: 401 - {'error': {'message': 'User not found.', 'code': 401}}
Re-run the analysis or escalate. Most failures are transient (LLM JSON parse, rate limit, context length).
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 0 |
Rp 0 |
| Bank Statement (avg/mo loan payments) |
— |
Rp 5,700,000 |
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) |
51.75% |
Green |
< 300% Green | 300-500% Amber | > 500% Red |
| Total Debt / Annual Income |
0.52x |
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
Profile check skipped
⚠ Verify before relying
Employer · HBT Law Firm
Confidence: Unknown
| Profile | Profile-check LLM call failed: Error code: 401 - {'error': {'message': 'User not found.', 'code': 401}} |
| Industry | — |
| Industry risk for credit | — |
| Headquartered in | — |
| Employee count band | — |
| Company vintage | — |
| Stability signals | — |
| Sources known to model | — |
Applicant · Evi Meiwatiningsih
Confidence: Unknown
| Found in training data | No |
| LinkedIn signals | — |
| Google signals | — |
| Estimated seniority | — |
| Tenure observation | — |
| Declared income (IDR/mo) | Rp 0 |
| Expected range for role | — |
| Plausibility verdict | — |
| Comment | — |
Policy Implications (high-confidence only)
| Category | Severity | Note |
|---|
| No high-confidence policy implications. |
Disclaimer: Profile-check agent FAILED (Error code: 401 - {'error': {'message': 'User not found.', 'code': 401}}). No training-data or live-search synthesis is available — manual research required.
Risk Factors
| Category | Severity | Description |
|---|
| Application |
High |
Risk agent failed to produce an assessment: Error code: 401 - {'error': {'message': 'User not found.', 'code': 401}}. Re-run the analysis or escalate. |
Executive Summary
Risk assessment could not be generated automatically. Underlying error: Error code: 401 - {'error': {'message': 'User not found.', 'code': 401}}. Analyst review required.
Interview Question Bank (0 questions)
System-generated pre-interview brief. All figures subject to verification.
Final decision rests with the credit officer.
Generated: 2026-05-05T16:21:21.145195