\n
📋 Credit Summary — Pre-Interview Brief
\n
\n Rama Muhamad Rizeki · KTP: 3174041902940002 ·\n Generated: 12 May 2026, 05:38 WIB\n
\n\n
\n
Recommendation
\n
Approved
\n
\n Risk: Very High ·\n Internal Score: 250/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
\n
Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: n jh
\n
\n\n \n\n
Applicant Profile
\n
\n\n
Eligibility Check (10 Hard Rules)
\n
\n | Rule | Required | Actual | Status |
|---|
\n \n | Loan Amount Band | > IDR 20 million | \n IDR 50,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=94.2%, FOIR=176.5% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA BEKASI, JAWA BARAT | \n ✓ Pass |
\n | Minimum Education | ≥ Senior High School (SMA) | \n S1 | \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 1 years | \n ✓ Pass |
\n | Total Work Experience | ≥ 3 years | \n 6 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 8,500,000 | \n ✓ Pass |
\n
\n\n \n\n
Income & Loan Request
\n
\n\n
Loan Reconciliation (Customer / Bureau / Bank)
\n \n
\n | Source | Outstanding | Monthly EMI |
|---|
\n \n | Customer Declared | \n Rp 50,000,000 | \n Rp 15,000,000 |
\n | Bureau (AFPI + CLIK) | \n Rp 129,716,431 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
\n \n
\n \n
\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 50,000,000 but bureau shows\n Rp 129,716,431 —\n gap of Rp 79,716,431. Probe in interview.\n
\n\n \n
AFPI Bureau Analysis\n \n 292 loans ·\n Rp 39.952.761 outstanding ·\n 9 Pinjol(s)\n \n
\n \n\n
\n
\n
Loans by Pinjol (top 15 by outstanding)
\n
\n | Pinjol | Loans | Outstanding |
|---|
\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 |
\n
\n
\n
\n
Loan Status Count
\n
\n
Collectibility Status Count
\n
| Bucket | Count |
|---|
| DPD 0 | 162 |
| DPD 1-30 | 119 |
| DPD 90+ | 11 |
\n
\n
\n\n
Collectibility × Loan Status (Count)
\n
| L | F | W |
|---|
| DPD 0 | 162 | — | — |
| DPD 1-30 | 119 | — | — |
| DPD 90+ | — | 2 | 9 |
\n\n
Collectibility × Loan Status (Outstanding Loan Value)
\n
| L | F | W |
|---|
| DPD 0 | Rp 0 | — | — |
| DPD 1-30 | Rp 0 | — | — |
| DPD 90+ | — | Rp 11.449.999 | Rp 28.502.762 |
\n\n
Year × Loan Status (Count)
\n
| L | F | W |
|---|
| 2018 | 10 | — | — |
| 2019 | 19 | — | — |
| 2020 | 28 | — | — |
| 2021 | 76 | — | — |
| 2022 | 84 | 2 | 9 |
| 2023 | 64 | — | — |
\n\n
Year × Collectibility Status (Count)
\n
| 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 | — |
\n\n
CLIK Bureau Analysis\n \n 9 loans ·\n Rp 89.763.670 debit balance ·\n DPD mean 12.22, max 58.0 days\n \n
\n
\n Secured: 1 loans, Rp 53.999.306 ·\n Unsecured: 8 loans, Rp 35.764.364 ·\n Total disbursed (Initial Credit Limit): Rp 151.080.000\n
\n \n
CLIK — Combined (secured + unsecured)
\n
\n
\n
Contract Phase × DPD Bucket (count)
\n
\n
Contract Status × DPD Bucket (count)
\n
| Current | DPD 1-89 |
|---|
| Active Facilities | 6 | 3 |
\n
\n
\n
DPD Bucket × Debit Balance (sum)
\n
| DPD Bucket | Debit Sum |
|---|
| Current | Rp 82.219.234 |
| DPD 1-89 | Rp 7.544.436 |
\n
Contract Phase Count
\n
\n
\n
\n\n
\n
\n
Debit Balance per Contract Type Code
\n
| Type Code | Sum |
|---|
| Others | Rp 88.442.567 |
| Credit to third parties through other agencies by channeling | Rp 1.099.103 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 222.000 |
\n
\n
\n
Debit Balance per Provider Type Code
\n
| Provider Code | Sum |
|---|
| Conventional Rural Bank | Rp 53.999.306 |
| Conventional Commercial Bank | Rp 29.097.031 |
| Non Financial Services Institution | Rp 5.000.000 |
| Fintech | Rp 1.445.333 |
| Financing Company | Rp 222.000 |
\n
\n
\n\n\n
CLIK — Secured
\n
\n
\n
Contract Phase × DPD Bucket (count)
\n
\n
Contract Status × DPD Bucket (count)
\n
| Current |
|---|
| Active Facilities | 1 |
\n
\n
\n
DPD Bucket × Debit Balance (sum)
\n
| DPD Bucket | Debit Sum |
|---|
| Current | Rp 53.999.306 |
\n
Contract Phase Count
\n
\n
\n
\n\n
\n
\n
Debit Balance per Contract Type Code
\n
| Type Code | Sum |
|---|
| Others | Rp 53.999.306 |
\n
\n
\n
Debit Balance per Provider Type Code
\n
| Provider Code | Sum |
|---|
| Conventional Rural Bank | Rp 53.999.306 |
\n
\n
\n\n
CLIK — Unsecured
\n
\n
\n
Contract Phase × DPD Bucket (count)
\n
\n
Contract Status × DPD Bucket (count)
\n
| Current | DPD 1-89 |
|---|
| Active Facilities | 5 | 3 |
\n
\n
\n
DPD Bucket × Debit Balance (sum)
\n
| DPD Bucket | Debit Sum |
|---|
| Current | Rp 28.219.928 |
| DPD 1-89 | Rp 7.544.436 |
\n
Contract Phase Count
\n
\n
\n
\n\n
\n
\n
Debit Balance per Contract Type Code
\n
| Type Code | Sum |
|---|
| Others | Rp 34.443.261 |
| Credit to third parties through other agencies by channeling | Rp 1.099.103 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 222.000 |
\n
\n
\n
Debit Balance per Provider Type Code
\n
| Provider Code | Sum |
|---|
| Conventional Commercial Bank | Rp 29.097.031 |
| Non Financial Services Institution | Rp 5.000.000 |
| Fintech | Rp 1.445.333 |
| Financing Company | Rp 222.000 |
\n
\n
\n\n\n
Credit Ratios
\n
\n | Metric | Value | Band | Benchmark |
|---|
\n \n | TOIR (Post-Consolidation Affordability) PRIMARY | \n 94.17% | \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 176.47% | \n Red | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 127.17% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 1.27x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp -10,500,000 | \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 |
\n
\n\n
Bank Statement Category Pivot (Top 12 by Volume)
\n
\n | Category | 03/2026 | 04/2026 | 05/2026 | Avg/Mo |
|---|
\n \n | Miscellaneous | \n Rp 4,550,760 | \n Rp 4,586,254 | \n Rp 1,752,360 | \n Rp 14,619,578 |
\n | E-Wallet | \n Rp -3,241,215 | \n Rp -2,816,039 | \n Rp 0 | \n Rp -9,032,934 |
\n | Cash Withdrawal | \n Rp -700,000 | \n Rp -1,000,000 | \n Rp 0 | \n Rp -2,250,000 |
\n | Utilities | \n Rp 0 | \n Rp -642,683 | \n Rp -637,825 | \n Rp -1,280,508 |
\n | E-commerce | \n Rp 0 | \n Rp 0 | \n Rp -106,000 | \n Rp -127,900 |
\n | Food | \n Rp -117,000 | \n Rp 0 | \n Rp 0 | \n Rp -117,000 |
\n | Bank Charges | \n Rp -26,500 | \n Rp -32,500 | \n Rp -19,000 | \n Rp -99,000 |
\n
\n\n \n
Occupational & Profile Check\n \n LLM knowledge estimate · no live web evidence\n ⚠ Verify before relying\n
\n\n
\n Employer · PT GMK Makmur Indonesia\n Confidence: Unknown\n
\n
\n | 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 | — |
\n
\n\n
\n Applicant · Rama Muhamad Rizeki\n Confidence: Low\n
\n
\n | 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 |
\n
\n\n
Policy Implications (high-confidence only)
\n
\n | Category | Severity | Note |
|---|
\n | No high-confidence policy implications. |
\n
\n\n
\n 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.\n
\n \n\n\n
Risk Factors
\n
\n | Category | Severity | Description |
|---|
\n | Bureau | \n High | \n Wilful default status with 9 write-offs totaling IDR 39.9M in paylater loans and extensive delinquency history (max DPD 738 days) |
| Bureau | \n High | \n Massive underdeclaration - customer declared IDR 50M outstanding but bureau shows IDR 129.7M (160% gap), indicating deliberate concealment |
| Bureau | \n High | \n Current delinquencies on 3 active accounts including Kredito (58 DPD), AdaKami (14 DPD), and Bank Jago (38 DPD) |
| Income | \n High | \n No salary detected in bank statements despite claiming IDR 8.5M monthly income - complete income verification failure |
| Banking | \n Medium | \n Negative residual income of IDR -10.5M monthly with FOIR at 176% indicating severe financial stress |
| Application | \n Medium | \n Employer PT GMK Makmur Indonesia cannot be verified - unknown company with no available business information |
\n
\n\n
Executive Summary
\n
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.
\n\n
Interview Question Bank (15 questions)
\n
Verification
- \n 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?\n
Why: Address verification and stability assessment\n - \n You mentioned having 2 dependents - can you tell me about your family composition and their ages?\n
Why: Verify declared dependents and assess expense obligations\n - \n Can you provide the full address and contact details of PT GMK Makmur Indonesia where you work as HRD?\n
Why: Employer verification - company not found in our database\n - \n What is your direct supervisor's name and contact number at PT GMK Makmur Indonesia?\n
Why: Employment verification through supervisor reference\n
Debt Background
- \n 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?\n
Why: Address massive underdeclaration of debt - critical red flag\n - \n 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?\n
Why: Understand circumstances behind wilful default status\n - \n You currently have overdue payments with Kredito (58 days), AdaKami (14 days), and Bank Jago (38 days). Why are these accounts delinquent?\n
Why: Assess current payment behavior and financial stress\n - \n What specific business does PT GMK Makmur Indonesia operate in, and how long has the company been in business?\n
Why: Verify employer legitimacy and business stability\n
Income
- \n 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?\n
Why: Critical - no income verification in provided bank account\n - \n Do you have other bank accounts where your salary might be credited? If yes, can you provide statements for those accounts?\n
Why: Identify if salary goes to different account not provided\n - \n Have there been any delays in salary payments or changes in your compensation structure in the past 6 months?\n
Why: Assess income stability and explain absence of salary credits\n
Expense Validation
- \n 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?\n
Why: Validate declared expenses of IDR 4M monthly\n - \n You declared no monthly rent but housing ownership as 'Tidak'. Where do you currently live and what are your housing costs?\n
Why: Clarify housing situation and associated costs\n
Future Plans
- \n If we consolidate your debts, how will you ensure you don't accumulate new debt, given your history of multiple paylater and loan applications?\n
Why: Assess re-leveraging risk - critical for debt consolidation\n - \n Do you have any assets, side income, or expected lump-sum payments that could help with debt repayment?\n
Why: Identify additional repayment capacity or collateral\n
\n\n
\n System-generated pre-interview brief. All figures subject to verification.\n Final decision rests with the credit officer.\n Generated: 2026-05-12T05:38:46.257066\n
\n