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📋 Credit Summary — Pre-Interview Brief
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\n Dona Wijaya · KTP: 3173015612840008 ·\n Generated: 12 May 2026, 08:08 WIB\n
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Recommendation
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Approved
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\n Risk: Very High ·\n Internal Score: 250/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: fgbfg
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Applicant Profile
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Eligibility Check (10 Hard Rules)
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\n | Rule | Required | Actual | Status |
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\n \n | Loan Amount Band | > IDR 20 million | \n IDR 178,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=0.0%, FOIR=0.1% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA JAKARTA PUSAT, DKI JAKARTA | \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 4 years | \n ✓ Pass |
\n | Total Work Experience | ≥ 3 years | \n 10 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 50,000,000,000 | \n ✓ Pass |
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Income & Loan Request
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Loan Reconciliation (Customer / Bureau / Bank)
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\n | Source | Outstanding | Monthly EMI |
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\n \n | Customer Declared | \n Rp 178,000,000 | \n Rp 42,600,000 |
\n | Bureau (AFPI + CLIK) | \n Rp 129,716,431 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
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AFPI Bureau Analysis\n \n 292 loans ·\n Rp 39.952.761 outstanding ·\n 9 Pinjol(s)\n \n
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Loans by Pinjol (top 15 by outstanding)
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\n | Pinjol | Loans | Outstanding |
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\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 |
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Loan Status Count
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Collectibility Status Count
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| Bucket | Count |
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| DPD 0 | 162 |
| DPD 1-30 | 119 |
| DPD 90+ | 11 |
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Collectibility × Loan Status (Count)
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| L | F | W |
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| DPD 0 | 162 | — | — |
| DPD 1-30 | 119 | — | — |
| DPD 90+ | — | 2 | 9 |
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Collectibility × Loan Status (Outstanding Loan Value)
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| L | F | W |
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| DPD 0 | Rp 0 | — | — |
| DPD 1-30 | Rp 0 | — | — |
| DPD 90+ | — | Rp 11.449.999 | Rp 28.502.762 |
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Year × Loan Status (Count)
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| L | F | W |
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| 2018 | 10 | — | — |
| 2019 | 19 | — | — |
| 2020 | 28 | — | — |
| 2021 | 76 | — | — |
| 2022 | 84 | 2 | 9 |
| 2023 | 64 | — | — |
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Year × Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 90+ |
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| 2018 | 10 | — | — |
| 2019 | 12 | 7 | — |
| 2020 | 13 | 15 | — |
| 2021 | 56 | 20 | — |
| 2022 | 46 | 38 | 11 |
| 2023 | 25 | 39 | — |
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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
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\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
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CLIK — Combined (secured + unsecured)
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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| Current | DPD 1-89 |
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| Active Facilities | 6 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 82.219.234 |
| DPD 1-89 | Rp 7.544.436 |
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Contract Phase Count
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Debit Balance per Contract Type Code
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| Type Code | Sum |
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| 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 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| 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 |
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CLIK — Secured
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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| Current |
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| Active Facilities | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 53.999.306 |
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Contract Phase Count
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Debit Balance per Contract Type Code
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| Type Code | Sum |
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| Others | Rp 53.999.306 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Conventional Rural Bank | Rp 53.999.306 |
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CLIK — Unsecured
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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| Current | DPD 1-89 |
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| Active Facilities | 5 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 28.219.928 |
| DPD 1-89 | Rp 7.544.436 |
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Contract Phase Count
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Debit Balance per Contract Type Code
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| Type Code | Sum |
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| 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 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| 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 |
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Credit Ratios
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\n | Metric | Value | Band | Benchmark |
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\n \n | TOIR (Post-Consolidation Affordability) PRIMARY | \n 0.02% | \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 0.09% | \n Green | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 0.03% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.00x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 49,967,400,000 | \n Green | \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 |
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Bank Statement Category Pivot (Top 12 by Volume)
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\n | Category | 04/2025 | 11/2025 | 12/2025 | Avg/Mo |
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\n \n | Miscellaneous | \n Rp -34,247,853 | \n Rp -22,144,396 | \n Rp -2,587,288 | \n Rp -10,643,734 |
\n | Cash Withdrawal | \n Rp 0 | \n Rp 0 | \n Rp -2,650,000 | \n Rp -441,667 |
\n | Bank Charges | \n Rp -33,500 | \n Rp -43,000 | \n Rp -73,000 | \n Rp -52,667 |
\n | Individual Out | \n Rp 0 | \n Rp -50,000 | \n Rp 0 | \n Rp -8,333 |
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Occupational & Profile Check\n \n LLM knowledge estimate · no live web evidence\n ⚠ Verify before relying\n
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\n Employer · PT Jagat Raya Inovasi\n Confidence: Unknown\n
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\n | 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 | — |
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\n Applicant · Dona Wijaya\n Confidence: Low\n
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\n | 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 |
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Policy Implications (high-confidence only)
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\n | Category | Severity | Note |
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\n | Income sanity | High | Declared monthly income of 50 billion IDR is implausible and likely a data entry error |
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\n Disclaimer: PT Jagat Raya Inovasi is not found in my training data. All employer information requires verification through official Indonesian business registries.\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Application | \n High | \n Declared monthly income of IDR 50 billion is implausible - likely data entry error or fraudulent application |
| Bureau | \n High | \n 9 write-offs totaling IDR 39.9M from multiple paylater providers indicating wilful default behavior |
| Bureau | \n High | \n Maximum DPD of 738 days with current delinquencies across 3 active accounts |
| Bureau | \n Medium | \n 301 total tradelines indicating excessive credit seeking behavior |
| Banking | \n High | \n No salary credits detected in 6 months of banking data despite claiming employment |
| Application | \n Medium | \n Significant gap between declared outstanding (IDR 178M) vs bureau outstanding (IDR 129.7M) - potential hidden debts |
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Executive Summary
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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.
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Interview Question Bank (14 questions)
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Verification
- \n Can you confirm your current residential address at Jl Karet Pasar Barat Baru V No 92, and how long have you lived there?\n
Why: Address verification and stability assessment\n - \n You mentioned having 1 dependent - can you tell me about your family composition and who depends on your income?\n
Why: Verify declared dependents and understand expense obligations\n - \n What is your exact job title and main responsibilities at PT Jagat Raya Inovasi?\n
Why: Verify employment details and assess income plausibility\n - \n Can you provide recent bank statements showing your salary deposits and explain why no salary credits appear in the statements you submitted?\n
Why: Critical gap - no salary detected in 6 months of banking data\n
Income
- \n 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?\n
Why: Critical income verification - amount appears to be data entry error\n - \n Can you show me your latest salary slip and explain your actual monthly take-home salary?\n
Why: Verify real income as declared amount is implausible\n - \n Have you experienced any salary delays or changes in your compensation in the past 6 months?\n
Why: No salary credits detected in banking data despite employment claims\n
Debt Background
- \n 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?\n
Why: Understand reasons for multiple defaults and assess willingness to pay\n - \n Why do you want to consolidate your debts now, and what has changed in your financial situation?\n
Why: Assess motivation and likelihood of successful repayment\n - \n Are there any other loans or credit facilities you have that are not showing in your credit report?\n
Why: Gap between declared (IDR 178M) and bureau (IDR 129.7M) outstanding suggests hidden debts\n
Expense Validation
- \n You declared monthly expenses of IDR 5 million - can you break this down into major categories like food, utilities, transportation?\n
Why: Validate expense declaration and assess spending patterns\n - \n Since you own your home, what are your monthly costs for property tax, maintenance, and utilities?\n
Why: Verify housing ownership and associated costs\n
Future Plans
- \n Do you have any assets, investments, or expected lump sum payments that could help with debt repayment?\n
Why: Assess additional repayment capacity beyond regular income\n - \n How will you ensure you don't take on additional debt after consolidation, given your history of multiple credit applications?\n
Why: Assess re-leveraging risk given 301 tradelines history\n
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\n System-generated pre-interview brief. All figures subject to verification.\n Final decision rests with the credit officer.\n Generated: 2026-05-12T08:08:43.923945\n
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