Post-Eligibility Review
Review eligibility outcome. If auto-decline was triggered, decide whether to override (e.g. high-quality referral, manual KYC done). Otherwise confirm 'proceed' to start bureau & bank pipelines, which will consume LLM tokens.
System verdict:
PROCEED_WITH_CHECKS
Rule Outcomes
Loan Amount Band
— required: > IDR 20 million · actual: IDR 150,000,000
Primary Ratio Gate (TOIR/FOIR)
— required: TOIR ≤ 130% OR FOIR ≤ 60% · actual: Not yet computed
(manual verification)
Residential Geography
— required: Bandung / Surabaya / Jabodetabek (Bali excluded) · actual: KOTA JAKARTA BARAT, DKI JAKARTA
Minimum Education
— required: ≥ Senior High School (SMA) · actual: S2
Employer Type
— required: State-Owned / Government / Private · actual: SWASTA
Employment Contract
— required: Permanent / Karyawan Tetap · actual: KARYAWAN TETAP
Employer in business > 5 years
— required: > 5 years · actual: Manual verification required
(manual verification)
Tenure in Current Company
— required: ≥ 1 year · actual: 4 years
Total Work Experience
— required: ≥ 3 years · actual: 10 years
Minimum Salary
— required: > IDR 7,000,000 · actual: IDR 39,600,000