📋 Credit Summary — Pre-Interview Brief

Dona Wijaya · KTP: 3173015612840008 · Generated: 12 May 2026, 08:08 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 178,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=0.0%, FOIR=0.1%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA JAKARTA PUSAT, DKI JAKARTA	✓ 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	4 years	✓ Pass
Total Work Experience	≥ 3 years	10 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 50,000,000,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 178,000,000	Rp 42,600,000
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	0.02%	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	0.09%	Green	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	0.03%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	0.00x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 49,967,400,000	Green	> 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	04/2025	11/2025	12/2025	Avg/Mo
Miscellaneous	Rp -34,247,853	Rp -22,144,396	Rp -2,587,288	Rp -10,643,734
Cash Withdrawal	Rp 0	Rp 0	Rp -2,650,000	Rp -441,667
Bank Charges	Rp -33,500	Rp -43,000	Rp -73,000	Rp -52,667
Individual Out	Rp 0	Rp -50,000	Rp 0	Rp -8,333

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

Employer · PT Jagat Raya Inovasi  Confidence: Unknown

Profile	Unknown - this appears to be an Indonesian private company not found in my 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 · Dona Wijaya  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Mid
Tenure observation	Claims 4+ years tenure with 10+ years total experience, which appears reasonable for a Manager role
Declared income (IDR/mo)	Rp 50,000,000,000
Expected range for role	Cannot estimate without knowing company size and industry, but 50 billion IDR monthly (~3.3 million USD) is extraordinarily high for any Manager role in Indonesia
Plausibility verdict	Above range
Comment	Declared income appears to be a data entry error - likely missing decimal places or currency confusion

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	High	Declared monthly income of 50 billion IDR is implausible and likely a data entry error

Disclaimer: PT Jagat Raya Inovasi is not found in my training data. All employer information requires verification through official Indonesian business registries.

Risk Factors

Category	Severity	Description
Application	High	Declared monthly income of IDR 50 billion is implausible - likely data entry error or fraudulent application
Bureau	High	9 write-offs totaling IDR 39.9M from multiple paylater providers indicating wilful default behavior
Bureau	High	Maximum DPD of 738 days with current delinquencies across 3 active accounts
Bureau	Medium	301 total tradelines indicating excessive credit seeking behavior
Banking	High	No salary credits detected in 6 months of banking data despite claiming employment
Application	Medium	Significant gap between declared outstanding (IDR 178M) vs bureau outstanding (IDR 129.7M) - potential hidden debts

Executive Summary

STRONG DECLINE RECOMMENDATION. This application exhibits multiple severe red flags including an implausible income declaration (IDR 50 billion monthly), extensive write-off history across 9 accounts, current delinquencies, and complete absence of salary credits in banking data. The borrower shows clear patterns of wilful default and credit abuse across 301 tradelines. The income discrepancy suggests potential fraud, making this unsuitable for any debt consolidation product.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at Jl Karet Pasar Barat Baru V No 92, and how long have you lived there?
   Why: Address verification and stability assessment
2. You mentioned having 1 dependent - can you tell me about your family composition and who depends on your income?
   Why: Verify declared dependents and understand expense obligations
3. What is your exact job title and main responsibilities at PT Jagat Raya Inovasi?
   Why: Verify employment details and assess income plausibility
4. Can you provide recent bank statements showing your salary deposits and explain why no salary credits appear in the statements you submitted?
   Why: Critical gap - no salary detected in 6 months of banking data

Income

1. Your application shows a monthly income of IDR 50 billion - can you clarify if this is correct or if there was an error in the form?
   Why: Critical income verification - amount appears to be data entry error
2. Can you show me your latest salary slip and explain your actual monthly take-home salary?
   Why: Verify real income as declared amount is implausible
3. Have you experienced any salary delays or changes in your compensation in the past 6 months?
   Why: No salary credits detected in banking data despite employment claims

Debt Background

1. I see you have write-offs with Easy Cash, Kredito, Adapundi and other lenders totaling almost IDR 40 million - can you explain what happened with these loans?
   Why: Understand reasons for multiple defaults and assess willingness to pay
2. Why do you want to consolidate your debts now, and what has changed in your financial situation?
   Why: Assess motivation and likelihood of successful repayment
3. Are there any other loans or credit facilities you have that are not showing in your credit report?
   Why: Gap between declared (IDR 178M) and bureau (IDR 129.7M) outstanding suggests hidden debts

Expense Validation

1. You declared monthly expenses of IDR 5 million - can you break this down into major categories like food, utilities, transportation?
   Why: Validate expense declaration and assess spending patterns
2. Since you own your home, what are your monthly costs for property tax, maintenance, and utilities?
   Why: Verify housing ownership and associated costs

Future Plans

1. Do you have any assets, investments, or expected lump sum payments that could help with debt repayment?
   Why: Assess additional repayment capacity beyond regular income
2. How will you ensure you don't take on additional debt after consolidation, given your history of multiple credit applications?
   Why: Assess re-leveraging risk given 301 tradelines history

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-12T08:08:43.923945