📋 Credit Summary — Pre-Interview Brief

Rama Muhamad Rizeki · KTP: 3174041902940002 · Generated: 12 May 2026, 05:38 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 50,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=94.2%, FOIR=176.5%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA BEKASI, JAWA BARAT	✓ Pass
Minimum Education	≥ Senior High School (SMA)	S1	✓ 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	1 years	✓ Pass
Total Work Experience	≥ 3 years	6 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 8,500,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 50,000,000	Rp 15,000,000
Bureau (AFPI + CLIK)	Rp 129,716,431	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 9 loans · Rp 89.763.670 debit balance · DPD mean 12.22, max 58.0 days

Secured: 1 loans, Rp 53.999.306 · Unsecured: 8 loans, Rp 35.764.364 · Total disbursed (Initial Credit Limit): Rp 151.080.000

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	94.17%	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	176.47%	Red	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	127.17%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	1.27x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp -10,500,000	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	03/2026	04/2026	05/2026	Avg/Mo
Miscellaneous	Rp 4,550,760	Rp 4,586,254	Rp 1,752,360	Rp 14,619,578
E-Wallet	Rp -3,241,215	Rp -2,816,039	Rp 0	Rp -9,032,934
Cash Withdrawal	Rp -700,000	Rp -1,000,000	Rp 0	Rp -2,250,000
Utilities	Rp 0	Rp -642,683	Rp -637,825	Rp -1,280,508
E-commerce	Rp 0	Rp 0	Rp -106,000	Rp -127,900
Food	Rp -117,000	Rp 0	Rp 0	Rp -117,000
Bank Charges	Rp -26,500	Rp -32,500	Rp -19,000	Rp -99,000

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

Employer · PT GMK Makmur Indonesia  Confidence: Unknown

Profile	Unknown - no information available about this Indonesian private company in training data.
Industry	Unknown
Industry risk for credit	Unknown
Headquartered in	Unknown
Employee count band	Unknown
Company vintage	Unknown years
Stability signals	Unknown
Sources known to model	—

Applicant · Rama Muhamad Rizeki  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Mid
Tenure observation	1-2 years tenure at current company aligns with HRD role progression
Declared income (IDR/mo)	Rp 8,500,000
Expected range for role	6-12 million IDR/month for HRD role in Bekasi area based on general market knowledge
Plausibility verdict	Plausible
Comment	Income falls within reasonable range for HRD position with 6-10 years total experience

Policy Implications (high-confidence only)

Category	Severity	Note
No high-confidence policy implications.

Disclaimer: Assessment based solely on training data. PT GMK Makmur Indonesia requires verification as no information is available about this private Indonesian company. Applicant income assessment based on general market knowledge for HRD roles.

Risk Factors

Category	Severity	Description
Bureau	High	Wilful default status with 9 write-offs totaling IDR 39.9M in paylater loans and extensive delinquency history (max DPD 738 days)
Bureau	High	Massive underdeclaration - customer declared IDR 50M outstanding but bureau shows IDR 129.7M (160% gap), indicating deliberate concealment
Bureau	High	Current delinquencies on 3 active accounts including Kredito (58 DPD), AdaKami (14 DPD), and Bank Jago (38 DPD)
Income	High	No salary detected in bank statements despite claiming IDR 8.5M monthly income - complete income verification failure
Banking	Medium	Negative residual income of IDR -10.5M monthly with FOIR at 176% indicating severe financial stress
Application	Medium	Employer PT GMK Makmur Indonesia cannot be verified - unknown company with no available business information

Executive Summary

STRONG DECLINE RECOMMENDATION. This applicant presents multiple severe red flags including wilful default status, massive debt concealment (160% underdeclaration), active delinquencies, and complete absence of salary verification. The combination of IDR 129.7M total debt exposure with unverifiable income makes this an unacceptable credit risk for debt consolidation.

Interview Question Bank (15 questions)

Verification

1. Can you confirm your current residential address at 03 Tamansari Persada Raya 05, RT 1 RW 1, Jatibening Baru, Pondok Gede, Bekasi? How long have you lived there?
   Why: Address verification and stability assessment
2. You mentioned having 2 dependents - can you tell me about your family composition and their ages?
   Why: Verify declared dependents and assess expense obligations
3. Can you provide the full address and contact details of PT GMK Makmur Indonesia where you work as HRD?
   Why: Employer verification - company not found in our database
4. What is your direct supervisor's name and contact number at PT GMK Makmur Indonesia?
   Why: Employment verification through supervisor reference

Debt Background

1. Our bureau check shows you have outstanding debts of IDR 129.7 million, but you declared only IDR 50 million. Can you explain this significant difference?
   Why: Address massive underdeclaration of debt - critical red flag
2. You have 9 write-offs including Easy Cash (IDR 22.9M), Kredito (IDR 5M), and others. What happened with these loans and why did they become write-offs?
   Why: Understand circumstances behind wilful default status
3. You currently have overdue payments with Kredito (58 days), AdaKami (14 days), and Bank Jago (38 days). Why are these accounts delinquent?
   Why: Assess current payment behavior and financial stress
4. What specific business does PT GMK Makmur Indonesia operate in, and how long has the company been in business?
   Why: Verify employer legitimacy and business stability

Income

1. Your bank statement shows no salary credits despite claiming IDR 8.5M monthly income. How do you receive your salary from PT GMK Makmur Indonesia?
   Why: Critical - no income verification in provided bank account
2. Do you have other bank accounts where your salary might be credited? If yes, can you provide statements for those accounts?
   Why: Identify if salary goes to different account not provided
3. Have there been any delays in salary payments or changes in your compensation structure in the past 6 months?
   Why: Assess income stability and explain absence of salary credits

Expense Validation

1. Your bank shows IDR 1.28M in utility payments over 3 months. Can you break down your monthly household expenses including rent, utilities, and family costs?
   Why: Validate declared expenses of IDR 4M monthly
2. You declared no monthly rent but housing ownership as 'Tidak'. Where do you currently live and what are your housing costs?
   Why: Clarify housing situation and associated costs

Future Plans

1. If we consolidate your debts, how will you ensure you don't accumulate new debt, given your history of multiple paylater and loan applications?
   Why: Assess re-leveraging risk - critical for debt consolidation
2. Do you have any assets, side income, or expected lump-sum payments that could help with debt repayment?
   Why: Identify additional repayment capacity or collateral

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-12T05:38:46.257066